id	sid	tid	token	lemma	pos
fsr-3444	1	1	financial	financial	ADJ
fsr-3444	1	2	,	,	PUNCT
fsr-3444	1	3	demographic	demographic	ADJ
fsr-3444	1	4	,	,	PUNCT
fsr-3444	1	5	and	and	CCONJ
fsr-3444	1	6	psychological	psychological	ADJ
fsr-3444	1	7	differences	difference	NOUN
fsr-3444	1	8	between	between	ADP
fsr-3444	1	9	chapter	chapter	NOUN
fsr-3444	1	10	13	13	NUM
fsr-3444	1	11	bankruptcy	bankruptcy	NOUN
fsr-3444	1	12	filers	filer	NOUN
fsr-3444	1	13	and	and	CCONJ
fsr-3444	1	14	non	non	ADJ
fsr-3444	1	15	-	-	ADJ
fsr-3444	1	16	filers	filers	ADJ
fsr-3444	1	17	scott	scott	PROPN
fsr-3444	1	18	e.	e.	PROPN
fsr-3444	1	19	kehiaiana	kehiaiana	PROPN
fsr-3444	1	20	,	,	PUNCT
fsr-3444	1	21	albert	albert	PROPN
fsr-3444	1	22	a.	a.	NOUN
fsr-3444	1	23	williamsb	williamsb	PROPN
fsr-3444	1	24	,	,	PUNCT
fsr-3444	1	25	*	*	PUNCT
fsr-3444	1	26	,	,	PUNCT
fsr-3444	1	27	carolyn	carolyn	PROPN
fsr-3444	1	28	l.	l.	PROPN
fsr-3444	1	29	birdc	birdc	PROPN
fsr-3444	1	30	asouthern	asouthern	VERB
fsr-3444	1	31	new	new	PROPN
fsr-3444	1	32	hampshire	hampshire	PROPN
fsr-3444	1	33	university	university	PROPN
fsr-3444	1	34	,	,	PUNCT
fsr-3444	1	35	2462	2462	NUM
fsr-3444	1	36	mountain	mountain	NOUN
fsr-3444	1	37	lake	lake	PROPN
fsr-3444	1	38	road	road	PROPN
fsr-3444	1	39	,	,	PUNCT
fsr-3444	1	40	asheboro	asheboro	PROPN
fsr-3444	1	41	,	,	PUNCT
fsr-3444	1	42	nc	nc	PROPN
fsr-3444	1	43	27205	27205	NUM
fsr-3444	1	44	,	,	PUNCT
fsr-3444	1	45	usa	usa	PROPN
fsr-3444	1	46	bnova	bnova	PROPN
fsr-3444	1	47	southeastern	southeastern	PROPN
fsr-3444	1	48	university	university	PROPN
fsr-3444	1	49	,	,	PUNCT
fsr-3444	1	50	3301	3301	NUM
fsr-3444	1	51	college	college	PROPN
fsr-3444	1	52	avenue	avenue	PROPN
fsr-3444	1	53	,	,	PUNCT
fsr-3444	1	54	ft	ft	PROPN
fsr-3444	1	55	.	.	PROPN
fsr-3444	1	56	lauderdale	lauderdale	PROPN
fsr-3444	1	57	,	,	PUNCT
fsr-3444	1	58	fl	fl	PROPN
fsr-3444	1	59	33314	33314	NUM
fsr-3444	1	60	-	-	SYM
fsr-3444	1	61	7796	7796	NUM
fsr-3444	1	62	,	,	PUNCT
fsr-3444	1	63	usa	usa	PROPN
fsr-3444	1	64	cnorth	cnorth	PROPN
fsr-3444	1	65	carolina	carolina	PROPN
fsr-3444	1	66	state	state	PROPN
fsr-3444	1	67	university	university	PROPN
fsr-3444	1	68	,	,	PUNCT
fsr-3444	1	69	512	512	NUM
fsr-3444	1	70	brickhaven	brickhaven	NOUN
fsr-3444	1	71	drive	drive	PROPN
fsr-3444	1	72	,	,	PUNCT
fsr-3444	1	73	raleigh	raleigh	PROPN
fsr-3444	1	74	,	,	PUNCT
fsr-3444	1	75	nc	nc	PROPN
fsr-3444	1	76	27695	27695	NUM
fsr-3444	1	77	-	-	SYM
fsr-3444	1	78	7606	7606	NUM
fsr-3444	1	79	,	,	PUNCT
fsr-3444	1	80	usa	usa	PROPN
fsr-3444	1	81	abstract	abstract	NOUN
fsr-3444	1	82	this	this	DET
fsr-3444	1	83	study	study	NOUN
fsr-3444	1	84	finds	find	VERB
fsr-3444	1	85	financial	financial	ADJ
fsr-3444	1	86	,	,	PUNCT
fsr-3444	1	87	demographic	demographic	ADJ
fsr-3444	1	88	,	,	PUNCT
fsr-3444	1	89	and	and	CCONJ
fsr-3444	1	90	psychological	psychological	ADJ
fsr-3444	1	91	differences	difference	NOUN
fsr-3444	1	92	between	between	ADP
fsr-3444	1	93	chapter	chapter	NOUN
fsr-3444	1	94	13	13	NUM
fsr-3444	1	95	filers	filer	NOUN
fsr-3444	1	96	and	and	CCONJ
fsr-3444	1	97	non	non	NOUN
fsr-3444	1	98	-	-	NOUN
fsr-3444	1	99	filers	filer	NOUN
fsr-3444	1	100	.	.	PUNCT
fsr-3444	2	1	financial	financial	ADJ
fsr-3444	2	2	training	training	NOUN
fsr-3444	2	3	reduces	reduce	VERB
fsr-3444	2	4	the	the	DET
fsr-3444	2	5	likelihood	likelihood	NOUN
fsr-3444	2	6	of	of	ADP
fsr-3444	2	7	filing	filing	NOUN
fsr-3444	2	8	for	for	ADP
fsr-3444	2	9	personal	personal	ADJ
fsr-3444	2	10	bankruptcy	bankruptcy	NOUN
fsr-3444	2	11	.	.	PUNCT
fsr-3444	3	1	males	male	NOUN
fsr-3444	3	2	are	be	AUX
fsr-3444	3	3	twice	twice	ADV
fsr-3444	3	4	as	as	ADV
fsr-3444	3	5	likely	likely	ADJ
fsr-3444	3	6	as	as	SCONJ
fsr-3444	3	7	females	female	NOUN
fsr-3444	3	8	to	to	PART
fsr-3444	3	9	be	be	AUX
fsr-3444	3	10	filers	filer	NOUN
fsr-3444	3	11	.	.	PUNCT
fsr-3444	4	1	blacks	black	NOUN
fsr-3444	4	2	are	be	AUX
fsr-3444	4	3	twice	twice	ADV
fsr-3444	4	4	as	as	ADV
fsr-3444	4	5	likely	likely	ADJ
fsr-3444	4	6	as	as	SCONJ
fsr-3444	4	7	whites	white	NOUN
fsr-3444	4	8	to	to	PART
fsr-3444	4	9	be	be	AUX
fsr-3444	4	10	filers	filer	NOUN
fsr-3444	4	11	.	.	PUNCT
fsr-3444	5	1	a	a	DET
fsr-3444	5	2	single	single	ADJ
fsr-3444	5	3	person	person	NOUN
fsr-3444	5	4	is	be	AUX
fsr-3444	5	5	38	38	NUM
fsr-3444	5	6	%	%	NOUN
fsr-3444	5	7	less	less	ADV
fsr-3444	5	8	likely	likely	ADJ
fsr-3444	5	9	to	to	PART
fsr-3444	5	10	file	file	VERB
fsr-3444	5	11	than	than	ADP
fsr-3444	5	12	a	a	DET
fsr-3444	5	13	married	married	ADJ
fsr-3444	5	14	person	person	NOUN
fsr-3444	5	15	.	.	PUNCT
fsr-3444	6	1	homeowners	homeowner	NOUN
fsr-3444	6	2	are	be	AUX
fsr-3444	6	3	five	five	NUM
fsr-3444	6	4	times	time	NOUN
fsr-3444	6	5	as	as	ADV
fsr-3444	6	6	likely	likely	ADV
fsr-3444	6	7	as	as	SCONJ
fsr-3444	6	8	renters	renter	NOUN
fsr-3444	6	9	to	to	PART
fsr-3444	6	10	be	be	AUX
fsr-3444	6	11	filers	filer	NOUN
fsr-3444	6	12	.	.	PUNCT
fsr-3444	7	1	increases	increase	NOUN
fsr-3444	7	2	in	in	ADP
fsr-3444	7	3	education	education	NOUN
fsr-3444	7	4	,	,	PUNCT
fsr-3444	7	5	religious	religious	ADJ
fsr-3444	7	6	commitment	commitment	NOUN
fsr-3444	7	7	,	,	PUNCT
fsr-3444	7	8	and	and	CCONJ
fsr-3444	7	9	parents	parent	NOUN
fsr-3444	7	10	’	'	PUNCT
fsr-3444	7	11	income	income	NOUN
fsr-3444	7	12	reduce	reduce	VERB
fsr-3444	7	13	the	the	DET
fsr-3444	7	14	likelihood	likelihood	NOUN
fsr-3444	7	15	of	of	ADP
fsr-3444	7	16	filing	filing	NOUN
fsr-3444	7	17	.	.	PUNCT
fsr-3444	8	1	increases	increase	NOUN
fsr-3444	8	2	in	in	ADP
fsr-3444	8	3	the	the	DET
fsr-3444	8	4	psychological	psychological	ADJ
fsr-3444	8	5	factors	factor	NOUN
fsr-3444	8	6	,	,	PUNCT
fsr-3444	8	7	self	self	NOUN
fsr-3444	8	8	-	-	PUNCT
fsr-3444	8	9	efficacy	efficacy	NOUN
fsr-3444	8	10	,	,	PUNCT
fsr-3444	8	11	locus	locus	NOUN
fsr-3444	8	12	of	of	ADP
fsr-3444	8	13	control	control	NOUN
fsr-3444	8	14	,	,	PUNCT
fsr-3444	8	15	and	and	CCONJ
fsr-3444	8	16	self	self	NOUN
fsr-3444	8	17	-	-	PUNCT
fsr-3444	8	18	control	control	NOUN
fsr-3444	8	19	,	,	PUNCT
fsr-3444	8	20	reduce	reduce	VERB
fsr-3444	8	21	the	the	DET
fsr-3444	8	22	likelihood	likelihood	NOUN
fsr-3444	8	23	of	of	ADP
fsr-3444	8	24	filing	filing	NOUN
fsr-3444	8	25	for	for	ADP
fsr-3444	8	26	chapter	chapter	NOUN
fsr-3444	8	27	13	13	NUM
fsr-3444	8	28	bankruptcies	bankruptcy	NOUN
fsr-3444	8	29	.	.	PUNCT
fsr-3444	9	1	these	these	DET
fsr-3444	9	2	results	result	NOUN
fsr-3444	9	3	can	can	AUX
fsr-3444	9	4	be	be	AUX
fsr-3444	9	5	used	use	VERB
fsr-3444	9	6	to	to	PART
fsr-3444	9	7	influence	influence	VERB
fsr-3444	9	8	public	public	ADJ
fsr-3444	9	9	policy	policy	NOUN
fsr-3444	9	10	to	to	PART
fsr-3444	9	11	reduce	reduce	VERB
fsr-3444	9	12	personal	personal	ADJ
fsr-3444	9	13	bankruptcy	bankruptcy	NOUN
fsr-3444	9	14	.	.	PUNCT
fsr-3444	10	1	©	©	PROPN
fsr-3444	10	2	2021	2021	NUM
fsr-3444	10	3	academy	academy	NOUN
fsr-3444	10	4	of	of	ADP
fsr-3444	10	5	financial	financial	ADJ
fsr-3444	10	6	services	service	NOUN
fsr-3444	10	7	.	.	PUNCT
fsr-3444	11	1	all	all	DET
fsr-3444	11	2	rights	right	NOUN
fsr-3444	11	3	reserved	reserve	VERB
fsr-3444	11	4	.	.	PUNCT
fsr-3444	12	1	jel	jel	PROPN
fsr-3444	12	2	classification	classification	NOUN
fsr-3444	12	3	:	:	PUNCT
fsr-3444	12	4	d12	d12	NUM
fsr-3444	12	5	;	;	PUNCT
fsr-3444	12	6	d14	d14	NOUN
fsr-3444	12	7	keywords	keyword	NOUN
fsr-3444	12	8	:	:	PUNCT
fsr-3444	12	9	chapter	chapter	NOUN
fsr-3444	12	10	13	13	NUM
fsr-3444	12	11	bankruptcy	bankruptcy	NOUN
fsr-3444	12	12	filers	filer	NOUN
fsr-3444	12	13	;	;	PUNCT
fsr-3444	12	14	non	non	NOUN
fsr-3444	12	15	-	-	NOUN
fsr-3444	12	16	filers	filer	NOUN
fsr-3444	12	17	;	;	PUNCT
fsr-3444	12	18	demographic	demographic	ADJ
fsr-3444	12	19	differences	difference	NOUN
fsr-3444	12	20	;	;	PUNCT
fsr-3444	12	21	psychological	psychological	ADJ
fsr-3444	12	22	differences	difference	NOUN
fsr-3444	12	23	;	;	PUNCT
fsr-3444	12	24	financial	financial	ADJ
fsr-3444	12	25	literacy	literacy	NOUN
fsr-3444	12	26	i.	i.	NOUN
fsr-3444	12	27	introduction	introduction	PROPN
fsr-3444	12	28	personal	personal	ADJ
fsr-3444	12	29	bankruptcy	bankruptcy	NOUN
fsr-3444	12	30	occurs	occur	VERB
fsr-3444	12	31	frequently	frequently	ADV
fsr-3444	12	32	and	and	CCONJ
fsr-3444	12	33	is	be	AUX
fsr-3444	12	34	a	a	DET
fsr-3444	12	35	significant	significant	ADJ
fsr-3444	12	36	problem	problem	NOUN
fsr-3444	12	37	in	in	ADP
fsr-3444	12	38	the	the	DET
fsr-3444	12	39	united	united	PROPN
fsr-3444	12	40	states	states	PROPN
fsr-3444	12	41	.	.	PUNCT
fsr-3444	13	1	evans	evans	PROPN
fsr-3444	13	2	and	and	CCONJ
fsr-3444	13	3	bauchet	bauchet	PROPN
fsr-3444	13	4	(	(	PUNCT
fsr-3444	13	5	2017	2017	NUM
fsr-3444	13	6	)	)	PUNCT
fsr-3444	13	7	state	state	NOUN
fsr-3444	13	8	that	that	PRON
fsr-3444	13	9	each	each	DET
fsr-3444	13	10	year	year	NOUN
fsr-3444	13	11	,	,	PUNCT
fsr-3444	13	12	hundreds	hundred	NOUN
fsr-3444	13	13	of	of	ADP
fsr-3444	13	14	thousands	thousand	NOUN
fsr-3444	13	15	of	of	ADP
fsr-3444	13	16	u.s	u.s	PROPN
fsr-3444	13	17	.	.	PROPN
fsr-3444	13	18	households	household	NOUN
fsr-3444	13	19	choose	choose	VERB
fsr-3444	13	20	to	to	PART
fsr-3444	13	21	file	file	VERB
fsr-3444	13	22	for	for	ADP
fsr-3444	13	23	bankruptcy	bankruptcy	NOUN
fsr-3444	13	24	and	and	CCONJ
fsr-3444	13	25	accept	accept	VERB
fsr-3444	13	26	the	the	DET
fsr-3444	13	27	longer	long	ADJ
fsr-3444	13	28	-	-	PUNCT
fsr-3444	13	29	term	term	NOUN
fsr-3444	13	30	effects	effect	NOUN
fsr-3444	13	31	that	that	PRON
fsr-3444	13	32	bankruptcy	bankruptcy	NOUN
fsr-3444	13	33	has	have	VERB
fsr-3444	13	34	on	on	ADP
fsr-3444	13	35	their	their	PRON
fsr-3444	13	36	credit	credit	NOUN
fsr-3444	13	37	reputation	reputation	NOUN
fsr-3444	13	38	over	over	ADP
fsr-3444	13	39	the	the	DET
fsr-3444	13	40	challenges	challenge	NOUN
fsr-3444	13	41	of	of	ADP
fsr-3444	13	42	dealing	deal	VERB
fsr-3444	13	43	with	with	ADP
fsr-3444	13	44	collectors	collector	NOUN
fsr-3444	13	45	and/or	and/or	CCONJ
fsr-3444	13	46	creditors	creditor	NOUN
fsr-3444	13	47	.	.	PUNCT
fsr-3444	14	1	according	accord	VERB
fsr-3444	14	2	corresponding	corresponding	ADJ
fsr-3444	14	3	author	author	NOUN
fsr-3444	14	4	.	.	PUNCT
fsr-3444	15	1	tel	tel	PROPN
fsr-3444	15	2	.	.	PUNCT
fsr-3444	15	3	:	:	PUNCT
fsr-3444	16	1	+1	+1	PROPN
fsr-3444	16	2	-	-	PUNCT
fsr-3444	16	3	954	954	NUM
fsr-3444	16	4	-	-	PUNCT
fsr-3444	16	5	262	262	NUM
fsr-3444	16	6	-	-	SYM
fsr-3444	16	7	5286	5286	NUM
fsr-3444	16	8	;	;	PUNCT
fsr-3444	16	9	fax	fax	NOUN
fsr-3444	16	10	:	:	PUNCT
fsr-3444	16	11	+1	+1	PROPN
fsr-3444	16	12	-	-	PUNCT
fsr-3444	16	13	954	954	NUM
fsr-3444	16	14	-	-	PUNCT
fsr-3444	16	15	262	262	NUM
fsr-3444	16	16	-	-	SYM
fsr-3444	16	17	3974	3974	NUM
fsr-3444	16	18	;	;	PUNCT
fsr-3444	16	19	e	e	X
fsr-3444	16	20	-	-	NOUN
fsr-3444	16	21	mail	mail	NOUN
fsr-3444	16	22	address	address	NOUN
fsr-3444	16	23	:	:	PUNCT
fsr-3444	16	24	albewill@nova.edu	albewill@nova.edu	PROPN
fsr-3444	16	25	1057	1057	NUM
fsr-3444	16	26	-	-	SYM
fsr-3444	16	27	0810/21/$	0810/21/$	NUM
fsr-3444	16	28	–	–	PUNCT
fsr-3444	16	29	see	see	VERB
fsr-3444	16	30	front	front	ADJ
fsr-3444	16	31	matter	matter	NOUN
fsr-3444	16	32	©	©	PROPN
fsr-3444	16	33	2021	2021	NUM
fsr-3444	16	34	academy	academy	NOUN
fsr-3444	16	35	of	of	ADP
fsr-3444	16	36	financial	financial	ADJ
fsr-3444	16	37	services	service	NOUN
fsr-3444	16	38	.	.	PUNCT
fsr-3444	17	1	all	all	DET
fsr-3444	17	2	rights	right	NOUN
fsr-3444	17	3	reserved	reserve	VERB
fsr-3444	17	4	.	.	PUNCT
fsr-3444	18	1	financial	financial	ADJ
fsr-3444	18	2	services	service	NOUN
fsr-3444	18	3	review	review	VERB
fsr-3444	18	4	29	29	NUM
fsr-3444	18	5	(	(	PUNCT
fsr-3444	18	6	2021	2021	NUM
fsr-3444	18	7	)	)	PUNCT
fsr-3444	18	8	67–84	67–84	NOUN
fsr-3444	18	9	to	to	ADP
fsr-3444	18	10	the	the	DET
fsr-3444	18	11	u.s	u.s	PROPN
fsr-3444	18	12	.	.	PROPN
fsr-3444	18	13	courts	court	NOUN
fsr-3444	18	14	,	,	PUNCT
fsr-3444	18	15	in	in	ADP
fsr-3444	18	16	2019	2019	NUM
fsr-3444	18	17	,	,	PUNCT
fsr-3444	18	18	there	there	PRON
fsr-3444	18	19	were	be	VERB
fsr-3444	18	20	752,160	752,160	NUM
fsr-3444	18	21	non	non	ADJ
fsr-3444	18	22	-	-	ADJ
fsr-3444	18	23	business	business	ADJ
fsr-3444	18	24	bankruptcies	bankruptcy	NOUN
fsr-3444	18	25	(	(	PUNCT
fsr-3444	18	26	chapters	chapter	NOUN
fsr-3444	18	27	7	7	NUM
fsr-3444	18	28	,	,	PUNCT
fsr-3444	18	29	12	12	NUM
fsr-3444	18	30	,	,	PUNCT
fsr-3444	18	31	and	and	CCONJ
fsr-3444	18	32	13	13	NUM
fsr-3444	18	33	)	)	PUNCT
fsr-3444	18	34	in	in	ADP
fsr-3444	18	35	the	the	DET
fsr-3444	18	36	united	united	PROPN
fsr-3444	18	37	states	states	PROPN
fsr-3444	18	38	,	,	PUNCT
fsr-3444	18	39	with	with	ADP
fsr-3444	18	40	281,702	281,702	NUM
fsr-3444	18	41	(	(	PUNCT
fsr-3444	18	42	38	38	NUM
fsr-3444	18	43	%	%	NOUN
fsr-3444	18	44	)	)	PUNCT
fsr-3444	18	45	classified	classify	VERB
fsr-3444	18	46	as	as	ADP
fsr-3444	18	47	chapter	chapter	NOUN
fsr-3444	18	48	13	13	NUM
fsr-3444	18	49	.	.	PUNCT
fsr-3444	19	1	during	during	ADP
fsr-3444	19	2	the	the	DET
fsr-3444	19	3	same	same	ADJ
fsr-3444	19	4	period	period	NOUN
fsr-3444	19	5	,	,	PUNCT
fsr-3444	19	6	there	there	PRON
fsr-3444	19	7	were	be	VERB
fsr-3444	19	8	13,092	13,092	NUM
fsr-3444	19	9	non	non	ADJ
fsr-3444	19	10	-	-	ADJ
fsr-3444	19	11	business	business	ADJ
fsr-3444	19	12	bankruptcies	bankruptcy	NOUN
fsr-3444	19	13	in	in	ADP
fsr-3444	19	14	north	north	PROPN
fsr-3444	19	15	carolina	carolina	PROPN
fsr-3444	19	16	(	(	PUNCT
fsr-3444	19	17	state	state	NOUN
fsr-3444	19	18	for	for	ADP
fsr-3444	19	19	this	this	DET
fsr-3444	19	20	study	study	NOUN
fsr-3444	19	21	)	)	PUNCT
fsr-3444	19	22	,	,	PUNCT
fsr-3444	19	23	with	with	ADP
fsr-3444	19	24	7,960	7,960	NUM
fsr-3444	19	25	(	(	PUNCT
fsr-3444	19	26	61	61	NUM
fsr-3444	19	27	%	%	NOUN
fsr-3444	19	28	)	)	PUNCT
fsr-3444	19	29	being	be	AUX
fsr-3444	19	30	classified	classify	VERB
fsr-3444	19	31	as	as	ADP
fsr-3444	19	32	chapter	chapter	NOUN
fsr-3444	19	33	13	13	NUM
fsr-3444	19	34	(	(	PUNCT
fsr-3444	19	35	http://www.uscourts.gov/statistics-reports/	http://www.uscourts.gov/statistics-reports/	NOUN
fsr-3444	19	36	caseload	caseload	NOUN
fsr-3444	19	37	-	-	PUNCT
fsr-3444	19	38	statistics	statistic	NOUN
fsr-3444	19	39	-	-	PUNCT
fsr-3444	19	40	data	data	NOUN
fsr-3444	19	41	-	-	PUNCT
fsr-3444	19	42	tables	table	NOUN
fsr-3444	19	43	)	)	PUNCT
fsr-3444	19	44	.	.	PUNCT
fsr-3444	20	1	bankruptcy	bankruptcy	NOUN
fsr-3444	20	2	can	can	AUX
fsr-3444	20	3	occur	occur	VERB
fsr-3444	20	4	because	because	SCONJ
fsr-3444	20	5	of	of	ADP
fsr-3444	20	6	mismanagement	mismanagement	NOUN
fsr-3444	20	7	,	,	PUNCT
fsr-3444	20	8	lifestyle	lifestyle	NOUN
fsr-3444	20	9	,	,	PUNCT
fsr-3444	20	10	consumption	consumption	NOUN
fsr-3444	20	11	patterns	pattern	NOUN
fsr-3444	20	12	,	,	PUNCT
fsr-3444	20	13	economic	economic	ADJ
fsr-3444	20	14	conditions	condition	NOUN
fsr-3444	20	15	,	,	PUNCT
fsr-3444	20	16	or	or	CCONJ
fsr-3444	20	17	unpredictable	unpredictable	ADJ
fsr-3444	20	18	misfortunes	misfortune	NOUN
fsr-3444	20	19	such	such	ADJ
fsr-3444	20	20	as	as	ADP
fsr-3444	20	21	unexpected	unexpected	ADJ
fsr-3444	20	22	medical	medical	ADJ
fsr-3444	20	23	expenses	expense	NOUN
fsr-3444	20	24	and	and	CCONJ
fsr-3444	20	25	layoffs	layoff	NOUN
fsr-3444	20	26	.	.	PUNCT
fsr-3444	21	1	there	there	PRON
fsr-3444	21	2	are	be	VERB
fsr-3444	21	3	different	different	ADJ
fsr-3444	21	4	ways	way	NOUN
fsr-3444	21	5	to	to	PART
fsr-3444	21	6	deal	deal	VERB
fsr-3444	21	7	with	with	ADP
fsr-3444	21	8	insolvency	insolvency	NOUN
fsr-3444	21	9	,	,	PUNCT
fsr-3444	21	10	including	include	VERB
fsr-3444	21	11	reduction	reduction	NOUN
fsr-3444	21	12	of	of	ADP
fsr-3444	21	13	spending	spending	NOUN
fsr-3444	21	14	,	,	PUNCT
fsr-3444	21	15	consolidation	consolidation	NOUN
fsr-3444	21	16	of	of	ADP
fsr-3444	21	17	loans	loan	NOUN
fsr-3444	21	18	,	,	PUNCT
fsr-3444	21	19	obtaining	obtain	VERB
fsr-3444	21	20	consumer	consumer	NOUN
fsr-3444	21	21	credit	credit	NOUN
fsr-3444	21	22	counseling	counseling	NOUN
fsr-3444	21	23	,	,	PUNCT
fsr-3444	21	24	surrendering	surrender	VERB
fsr-3444	21	25	of	of	ADP
fsr-3444	21	26	collateral	collateral	NOUN
fsr-3444	21	27	,	,	PUNCT
fsr-3444	21	28	relocation	relocation	NOUN
fsr-3444	21	29	to	to	PART
fsr-3444	21	30	lower	low	ADJ
fsr-3444	21	31	costs	cost	NOUN
fsr-3444	21	32	areas	area	NOUN
fsr-3444	21	33	,	,	PUNCT
fsr-3444	21	34	and/or	and/or	CCONJ
fsr-3444	21	35	filing	file	VERB
fsr-3444	21	36	for	for	ADP
fsr-3444	21	37	bankruptcy	bankruptcy	NOUN
fsr-3444	21	38	.	.	PUNCT
fsr-3444	22	1	filing	file	VERB
fsr-3444	22	2	for	for	ADP
fsr-3444	22	3	bankruptcy	bankruptcy	NOUN
fsr-3444	22	4	reduces	reduce	VERB
fsr-3444	22	5	financial	financial	ADJ
fsr-3444	22	6	stress	stress	NOUN
fsr-3444	22	7	and	and	CCONJ
fsr-3444	22	8	provides	provide	VERB
fsr-3444	22	9	a	a	DET
fsr-3444	22	10	financial	financial	ADJ
fsr-3444	22	11	lifeline	lifeline	NOUN
fsr-3444	22	12	.	.	PUNCT
fsr-3444	23	1	even	even	ADV
fsr-3444	23	2	though	though	SCONJ
fsr-3444	23	3	filing	file	VERB
fsr-3444	23	4	for	for	ADP
fsr-3444	23	5	bankruptcy	bankruptcy	NOUN
fsr-3444	23	6	is	be	AUX
fsr-3444	23	7	a	a	DET
fsr-3444	23	8	lifeline	lifeline	NOUN
fsr-3444	23	9	,	,	PUNCT
fsr-3444	23	10	it	it	PRON
fsr-3444	23	11	is	be	AUX
fsr-3444	23	12	still	still	ADV
fsr-3444	23	13	a	a	DET
fsr-3444	23	14	difficult	difficult	ADJ
fsr-3444	23	15	and	and	CCONJ
fsr-3444	23	16	major	major	ADJ
fsr-3444	23	17	financial	financial	ADJ
fsr-3444	23	18	decision	decision	NOUN
fsr-3444	23	19	with	with	ADP
fsr-3444	23	20	long	long	ADV
fsr-3444	23	21	-	-	PUNCT
fsr-3444	23	22	lived	live	VERB
fsr-3444	23	23	impact	impact	NOUN
fsr-3444	23	24	on	on	ADP
fsr-3444	23	25	a	a	DET
fsr-3444	23	26	consumer	consumer	NOUN
fsr-3444	23	27	’s	’s	PART
fsr-3444	23	28	credit	credit	NOUN
fsr-3444	23	29	profile	profile	NOUN
fsr-3444	23	30	.	.	PUNCT
fsr-3444	24	1	the	the	DET
fsr-3444	24	2	motivation	motivation	NOUN
fsr-3444	24	3	for	for	ADP
fsr-3444	24	4	this	this	DET
fsr-3444	24	5	study	study	NOUN
fsr-3444	24	6	is	be	AUX
fsr-3444	24	7	to	to	PART
fsr-3444	24	8	find	find	VERB
fsr-3444	24	9	out	out	ADP
fsr-3444	24	10	more	more	ADJ
fsr-3444	24	11	about	about	ADP
fsr-3444	24	12	the	the	DET
fsr-3444	24	13	factors	factor	NOUN
fsr-3444	24	14	that	that	PRON
fsr-3444	24	15	correlate	correlate	VERB
fsr-3444	24	16	with	with	ADP
fsr-3444	24	17	this	this	DET
fsr-3444	24	18	major	major	ADJ
fsr-3444	24	19	financial	financial	ADJ
fsr-3444	24	20	decision	decision	NOUN
fsr-3444	24	21	.	.	PUNCT
fsr-3444	25	1	another	another	DET
fsr-3444	25	2	motivation	motivation	NOUN
fsr-3444	25	3	is	be	AUX
fsr-3444	25	4	the	the	DET
fsr-3444	25	5	limited	limited	ADJ
fsr-3444	25	6	research	research	NOUN
fsr-3444	25	7	done	do	VERB
fsr-3444	25	8	on	on	ADP
fsr-3444	25	9	the	the	DET
fsr-3444	25	10	differences	difference	NOUN
fsr-3444	25	11	between	between	ADP
fsr-3444	25	12	chapter	chapter	NOUN
fsr-3444	25	13	13	13	NUM
fsr-3444	25	14	bankruptcy	bankruptcy	NOUN
fsr-3444	25	15	filers	filer	NOUN
fsr-3444	25	16	and	and	CCONJ
fsr-3444	25	17	non	non	NOUN
fsr-3444	25	18	-	-	NOUN
fsr-3444	25	19	filers	filer	NOUN
fsr-3444	25	20	.	.	PUNCT
fsr-3444	26	1	this	this	DET
fsr-3444	26	2	study	study	NOUN
fsr-3444	26	3	expands	expand	VERB
fsr-3444	26	4	the	the	DET
fsr-3444	26	5	literature	literature	NOUN
fsr-3444	26	6	in	in	ADP
fsr-3444	26	7	this	this	DET
fsr-3444	26	8	area	area	NOUN
fsr-3444	26	9	.	.	PUNCT
fsr-3444	27	1	we	we	PRON
fsr-3444	27	2	look	look	VERB
fsr-3444	27	3	for	for	ADP
fsr-3444	27	4	relationships	relationship	NOUN
fsr-3444	27	5	between	between	ADP
fsr-3444	27	6	demographic	demographic	ADJ
fsr-3444	27	7	,	,	PUNCT
fsr-3444	27	8	psychological	psychological	ADJ
fsr-3444	27	9	,	,	PUNCT
fsr-3444	27	10	and	and	CCONJ
fsr-3444	27	11	financial	financial	ADJ
fsr-3444	27	12	variables	variable	NOUN
fsr-3444	27	13	and	and	CCONJ
fsr-3444	27	14	filing	file	VERB
fsr-3444	27	15	for	for	ADP
fsr-3444	27	16	bankruptcy	bankruptcy	NOUN
fsr-3444	27	17	.	.	PUNCT
fsr-3444	28	1	we	we	PRON
fsr-3444	28	2	have	have	AUX
fsr-3444	28	3	not	not	PART
fsr-3444	28	4	seen	see	VERB
fsr-3444	28	5	psychological	psychological	ADJ
fsr-3444	28	6	variables	variable	NOUN
fsr-3444	28	7	utilized	utilize	VERB
fsr-3444	28	8	in	in	ADP
fsr-3444	28	9	bankruptcy	bankruptcy	NOUN
fsr-3444	28	10	filings	filing	NOUN
fsr-3444	28	11	research	research	NOUN
fsr-3444	28	12	.	.	PUNCT
fsr-3444	29	1	in	in	ADP
fsr-3444	29	2	addition	addition	NOUN
fsr-3444	29	3	,	,	PUNCT
fsr-3444	29	4	we	we	PRON
fsr-3444	29	5	include	include	VERB
fsr-3444	29	6	two	two	NUM
fsr-3444	29	7	variables	variable	NOUN
fsr-3444	29	8	not	not	PART
fsr-3444	29	9	seen	see	VERB
fsr-3444	29	10	in	in	ADP
fsr-3444	29	11	the	the	DET
fsr-3444	29	12	literature	literature	NOUN
fsr-3444	29	13	.	.	PUNCT
fsr-3444	30	1	they	they	PRON
fsr-3444	30	2	are	be	AUX
fsr-3444	30	3	parents	parent	NOUN
fsr-3444	30	4	’	'	PUNCT
fsr-3444	30	5	income	income	NOUN
fsr-3444	30	6	,	,	PUNCT
fsr-3444	30	7	and	and	CCONJ
fsr-3444	30	8	parents	parent	NOUN
fsr-3444	30	9	’	'	PUNCT
fsr-3444	30	10	education	education	NOUN
fsr-3444	30	11	,	,	PUNCT
fsr-3444	30	12	representing	represent	VERB
fsr-3444	30	13	intergenerational	intergenerational	ADJ
fsr-3444	30	14	relationships	relationship	NOUN
fsr-3444	30	15	.	.	PUNCT
fsr-3444	31	1	this	this	DET
fsr-3444	31	2	study	study	NOUN
fsr-3444	31	3	uses	use	VERB
fsr-3444	31	4	data	datum	NOUN
fsr-3444	31	5	from	from	ADP
fsr-3444	31	6	chapter	chapter	NOUN
fsr-3444	31	7	13	13	NUM
fsr-3444	31	8	bankruptcy	bankruptcy	NOUN
fsr-3444	31	9	filers	filer	NOUN
fsr-3444	31	10	in	in	ADP
fsr-3444	31	11	north	north	PROPN
fsr-3444	31	12	carolina	carolina	PROPN
fsr-3444	31	13	and	and	CCONJ
fsr-3444	31	14	compares	compare	VERB
fsr-3444	31	15	them	they	PRON
fsr-3444	31	16	to	to	ADP
fsr-3444	31	17	people	people	NOUN
fsr-3444	31	18	in	in	ADP
fsr-3444	31	19	the	the	DET
fsr-3444	31	20	state	state	NOUN
fsr-3444	31	21	who	who	PRON
fsr-3444	31	22	have	have	AUX
fsr-3444	31	23	not	not	PART
fsr-3444	31	24	filed	file	VERB
fsr-3444	31	25	for	for	ADP
fsr-3444	31	26	bankruptcy	bankruptcy	NOUN
fsr-3444	31	27	.	.	PUNCT
fsr-3444	32	1	the	the	DET
fsr-3444	32	2	results	result	NOUN
fsr-3444	32	3	from	from	ADP
fsr-3444	32	4	this	this	DET
fsr-3444	32	5	study	study	NOUN
fsr-3444	32	6	can	can	AUX
fsr-3444	32	7	be	be	AUX
fsr-3444	32	8	used	use	VERB
fsr-3444	32	9	by	by	ADP
fsr-3444	32	10	institutions	institution	NOUN
fsr-3444	32	11	,	,	PUNCT
fsr-3444	32	12	like	like	ADP
fsr-3444	32	13	the	the	DET
fsr-3444	32	14	u.s	u.s	PROPN
fsr-3444	32	15	.	.	PROPN
fsr-3444	32	16	courts	court	NOUN
fsr-3444	32	17	,	,	PUNCT
fsr-3444	32	18	to	to	PART
fsr-3444	32	19	reduce	reduce	VERB
fsr-3444	32	20	the	the	DET
fsr-3444	32	21	number	number	NOUN
fsr-3444	32	22	of	of	ADP
fsr-3444	32	23	personal	personal	ADJ
fsr-3444	32	24	bankruptcies	bankruptcy	NOUN
fsr-3444	32	25	in	in	ADP
fsr-3444	32	26	the	the	DET
fsr-3444	32	27	state	state	NOUN
fsr-3444	32	28	of	of	ADP
fsr-3444	32	29	study	study	NOUN
fsr-3444	32	30	or	or	CCONJ
fsr-3444	32	31	the	the	DET
fsr-3444	32	32	country	country	NOUN
fsr-3444	32	33	.	.	PUNCT
fsr-3444	33	1	for	for	ADP
fsr-3444	33	2	example	example	NOUN
fsr-3444	33	3	,	,	PUNCT
fsr-3444	33	4	we	we	PRON
fsr-3444	33	5	find	find	VERB
fsr-3444	33	6	that	that	SCONJ
fsr-3444	33	7	males	male	NOUN
fsr-3444	33	8	are	be	AUX
fsr-3444	33	9	twice	twice	ADV
fsr-3444	33	10	as	as	ADV
fsr-3444	33	11	likely	likely	ADJ
fsr-3444	33	12	as	as	SCONJ
fsr-3444	33	13	females	female	NOUN
fsr-3444	33	14	to	to	PART
fsr-3444	33	15	be	be	AUX
fsr-3444	33	16	filers	filer	NOUN
fsr-3444	33	17	,	,	PUNCT
fsr-3444	33	18	so	so	ADV
fsr-3444	33	19	financial	financial	ADJ
fsr-3444	33	20	literacy	literacy	NOUN
fsr-3444	33	21	intervention	intervention	NOUN
fsr-3444	33	22	programs	program	NOUN
fsr-3444	33	23	can	can	AUX
fsr-3444	33	24	be	be	AUX
fsr-3444	33	25	targeted	target	VERB
fsr-3444	33	26	more	more	ADV
fsr-3444	33	27	to	to	ADP
fsr-3444	33	28	males	male	NOUN
fsr-3444	33	29	to	to	PART
fsr-3444	33	30	reduce	reduce	VERB
fsr-3444	33	31	their	their	PRON
fsr-3444	33	32	likelihood	likelihood	NOUN
fsr-3444	33	33	of	of	ADP
fsr-3444	33	34	filing	filing	NOUN
fsr-3444	33	35	for	for	ADP
fsr-3444	33	36	bankruptcy	bankruptcy	NOUN
fsr-3444	33	37	.	.	PUNCT
fsr-3444	34	1	2	2	X
fsr-3444	34	2	.	.	X
fsr-3444	34	3	literature	literature	NOUN
fsr-3444	34	4	review	review	VERB
fsr-3444	34	5	2.1	2.1	NUM
fsr-3444	34	6	.	.	PUNCT
fsr-3444	35	1	theoretical	theoretical	ADJ
fsr-3444	35	2	foundation	foundation	NOUN
fsr-3444	35	3	several	several	ADJ
fsr-3444	35	4	theoretical	theoretical	ADJ
fsr-3444	35	5	models	model	NOUN
fsr-3444	35	6	are	be	AUX
fsr-3444	35	7	used	use	VERB
fsr-3444	35	8	to	to	PART
fsr-3444	35	9	explain	explain	VERB
fsr-3444	35	10	personal	personal	ADJ
fsr-3444	35	11	financial	financial	ADJ
fsr-3444	35	12	behavior	behavior	NOUN
fsr-3444	35	13	.	.	PUNCT
fsr-3444	36	1	miller	miller	PROPN
fsr-3444	36	2	,	,	PUNCT
fsr-3444	36	3	levin	levin	PROPN
fsr-3444	36	4	,	,	PUNCT
fsr-3444	36	5	whitaker	whitaker	PROPN
fsr-3444	36	6	,	,	PUNCT
fsr-3444	36	7	and	and	CCONJ
fsr-3444	36	8	xu	xu	INTJ
fsr-3444	36	9	(	(	PUNCT
fsr-3444	36	10	1998	1998	NUM
fsr-3444	36	11	)	)	PUNCT
fsr-3444	36	12	discuss	discuss	VERB
fsr-3444	36	13	sequential	sequential	ADJ
fsr-3444	36	14	and	and	CCONJ
fsr-3444	36	15	life	life	NOUN
fsr-3444	36	16	events	event	NOUN
fsr-3444	36	17	models	model	NOUN
fsr-3444	36	18	that	that	PRON
fsr-3444	36	19	can	can	AUX
fsr-3444	36	20	be	be	AUX
fsr-3444	36	21	used	use	VERB
fsr-3444	36	22	to	to	PART
fsr-3444	36	23	explain	explain	VERB
fsr-3444	36	24	financial	financial	ADJ
fsr-3444	36	25	behavior	behavior	NOUN
fsr-3444	36	26	.	.	PUNCT
fsr-3444	37	1	samuelson	samuelson	PROPN
fsr-3444	37	2	(	(	PUNCT
fsr-3444	37	3	1937	1937	NUM
fsr-3444	37	4	)	)	PUNCT
fsr-3444	37	5	develops	develop	VERB
fsr-3444	37	6	the	the	DET
fsr-3444	37	7	discounted	discount	VERB
fsr-3444	37	8	utility	utility	NOUN
fsr-3444	37	9	model	model	NOUN
fsr-3444	37	10	where	where	SCONJ
fsr-3444	37	11	future	future	ADJ
fsr-3444	37	12	cash	cash	NOUN
fsr-3444	37	13	flows	flow	NOUN
fsr-3444	37	14	are	be	AUX
fsr-3444	37	15	discounted	discount	VERB
fsr-3444	37	16	and	and	CCONJ
fsr-3444	37	17	utilized	utilize	VERB
fsr-3444	37	18	to	to	PART
fsr-3444	37	19	make	make	VERB
fsr-3444	37	20	financial	financial	ADJ
fsr-3444	37	21	decisions	decision	NOUN
fsr-3444	37	22	.	.	PUNCT
fsr-3444	38	1	efrat	efrat	NOUN
fsr-3444	38	2	(	(	PUNCT
fsr-3444	38	3	1998	1998	NUM
fsr-3444	38	4	)	)	PUNCT
fsr-3444	38	5	advocates	advocate	NOUN
fsr-3444	38	6	for	for	ADP
fsr-3444	38	7	the	the	DET
fsr-3444	38	8	adoption	adoption	NOUN
fsr-3444	38	9	of	of	ADP
fsr-3444	38	10	a	a	DET
fsr-3444	38	11	multiutility	multiutility	NOUN
fsr-3444	38	12	model	model	NOUN
fsr-3444	38	13	that	that	PRON
fsr-3444	38	14	includes	include	VERB
fsr-3444	38	15	two	two	NUM
fsr-3444	38	16	distinct	distinct	ADJ
fsr-3444	38	17	sources	source	NOUN
fsr-3444	38	18	of	of	ADP
fsr-3444	38	19	utility	utility	NOUN
fsr-3444	38	20	that	that	PRON
fsr-3444	38	21	shape	shape	VERB
fsr-3444	38	22	the	the	DET
fsr-3444	38	23	individual	individual	NOUN
fsr-3444	38	24	’s	’s	PART
fsr-3444	38	25	behavior	behavior	NOUN
fsr-3444	38	26	—	—	PUNCT
fsr-3444	38	27	pleasure	pleasure	NOUN
fsr-3444	38	28	and	and	CCONJ
fsr-3444	38	29	morality	morality	NOUN
fsr-3444	38	30	.	.	PUNCT
fsr-3444	39	1	the	the	DET
fsr-3444	39	2	human	human	ADJ
fsr-3444	39	3	ecological	ecological	ADJ
fsr-3444	39	4	model	model	NOUN
fsr-3444	39	5	explains	explain	VERB
fsr-3444	39	6	financial	financial	ADJ
fsr-3444	39	7	decisions	decision	NOUN
fsr-3444	39	8	in	in	ADP
fsr-3444	39	9	the	the	DET
fsr-3444	39	10	context	context	NOUN
fsr-3444	39	11	of	of	ADP
fsr-3444	39	12	the	the	DET
fsr-3444	39	13	ecological	ecological	ADJ
fsr-3444	39	14	environment	environment	NOUN
fsr-3444	39	15	,	,	PUNCT
fsr-3444	39	16	which	which	PRON
fsr-3444	39	17	is	be	AUX
fsr-3444	39	18	separated	separate	VERB
fsr-3444	39	19	into	into	ADP
fsr-3444	39	20	four	four	NUM
fsr-3444	39	21	systems	system	NOUN
fsr-3444	39	22	(	(	PUNCT
fsr-3444	39	23	the	the	DET
fsr-3444	39	24	microsystem	microsystem	NOUN
fsr-3444	39	25	immediate	immediate	ADJ
fsr-3444	39	26	family	family	NOUN
fsr-3444	39	27	and	and	CCONJ
fsr-3444	39	28	friends	friend	NOUN
fsr-3444	39	29	,	,	PUNCT
fsr-3444	39	30	the	the	DET
fsr-3444	39	31	mesosystem	mesosystem	NOUN
fsr-3444	39	32	immediate	immediate	ADJ
fsr-3444	39	33	family	family	NOUN
fsr-3444	39	34	and	and	CCONJ
fsr-3444	39	35	friends	friend	NOUN
fsr-3444	39	36	and	and	CCONJ
fsr-3444	39	37	other	other	ADJ
fsr-3444	39	38	systems	system	NOUN
fsr-3444	39	39	;	;	PUNCT
fsr-3444	39	40	the	the	DET
fsr-3444	39	41	exosystem	exosystem	NOUN
fsr-3444	39	42	groups	group	NOUN
fsr-3444	39	43	and	and	CCONJ
fsr-3444	39	44	institutions	institution	NOUN
fsr-3444	39	45	influencing	influence	VERB
fsr-3444	39	46	microsystem	microsystem	NOUN
fsr-3444	39	47	;	;	PUNCT
fsr-3444	39	48	and	and	CCONJ
fsr-3444	39	49	the	the	DET
fsr-3444	39	50	macrosystem	macrosystem	NOUN
fsr-3444	39	51	inclusion	inclusion	NOUN
fsr-3444	39	52	of	of	ADP
fsr-3444	39	53	all	all	DET
fsr-3444	39	54	systems	system	NOUN
fsr-3444	39	55	)	)	PUNCT
fsr-3444	39	56	(	(	PUNCT
fsr-3444	39	57	bronfrenbrenner	bronfrenbrenner	NOUN
fsr-3444	39	58	,	,	PUNCT
fsr-3444	39	59	1979	1979	NUM
fsr-3444	39	60	)	)	PUNCT
fsr-3444	39	61	.	.	PUNCT
fsr-3444	40	1	deacon	deacon	NOUN
fsr-3444	40	2	and	and	CCONJ
fsr-3444	40	3	firebaugh	firebaugh	ADJ
fsr-3444	40	4	(	(	PUNCT
fsr-3444	40	5	1988	1988	NUM
fsr-3444	40	6	)	)	PUNCT
fsr-3444	40	7	use	use	VERB
fsr-3444	40	8	the	the	DET
fsr-3444	40	9	human	human	ADJ
fsr-3444	40	10	ecological	ecological	ADJ
fsr-3444	40	11	68	68	NUM
fsr-3444	40	12	s.	s.	PROPN
fsr-3444	40	13	e.	e.	PROPN
fsr-3444	40	14	kehiaian	kehiaian	PROPN
fsr-3444	40	15	et	et	PROPN
fsr-3444	40	16	al	al	PROPN
fsr-3444	40	17	.	.	PUNCT
fsr-3444	40	18	/	/	SYM
fsr-3444	40	19	financial	financial	ADJ
fsr-3444	40	20	services	service	NOUN
fsr-3444	40	21	review	review	VERB
fsr-3444	40	22	29	29	NUM
fsr-3444	40	23	(	(	PUNCT
fsr-3444	40	24	2021	2021	NUM
fsr-3444	40	25	)	)	PUNCT
fsr-3444	41	1	67–84	67–84	NOUN
fsr-3444	41	2	model	model	NOUN
fsr-3444	41	3	and	and	CCONJ
fsr-3444	41	4	systems	system	NOUN
fsr-3444	41	5	theory	theory	NOUN
fsr-3444	41	6	to	to	PART
fsr-3444	41	7	provide	provide	VERB
fsr-3444	41	8	a	a	DET
fsr-3444	41	9	context	context	NOUN
fsr-3444	41	10	for	for	ADP
fsr-3444	41	11	understanding	understand	VERB
fsr-3444	41	12	the	the	DET
fsr-3444	41	13	goal	goal	NOUN
fsr-3444	41	14	-	-	PUNCT
fsr-3444	41	15	directed	direct	VERB
fsr-3444	41	16	behavior	behavior	NOUN
fsr-3444	41	17	of	of	ADP
fsr-3444	41	18	families	family	NOUN
fsr-3444	41	19	,	,	PUNCT
fsr-3444	41	20	using	use	VERB
fsr-3444	41	21	inputs	input	NOUN
fsr-3444	41	22	,	,	PUNCT
fsr-3444	41	23	throughputs	throughput	NOUN
fsr-3444	41	24	,	,	PUNCT
fsr-3444	41	25	and	and	CCONJ
fsr-3444	41	26	outputs	output	NOUN
fsr-3444	41	27	.	.	PUNCT
fsr-3444	42	1	this	this	DET
fsr-3444	42	2	sequential	sequential	ADJ
fsr-3444	42	3	managerial	managerial	ADJ
fsr-3444	42	4	process	process	NOUN
fsr-3444	42	5	,	,	PUNCT
fsr-3444	42	6	outlined	outline	VERB
fsr-3444	42	7	by	by	ADP
fsr-3444	42	8	deacon	deacon	NOUN
fsr-3444	42	9	and	and	CCONJ
fsr-3444	42	10	firebaugh	firebaugh	ADJ
fsr-3444	42	11	,	,	PUNCT
fsr-3444	42	12	is	be	AUX
fsr-3444	42	13	similar	similar	ADJ
fsr-3444	42	14	to	to	ADP
fsr-3444	42	15	the	the	DET
fsr-3444	42	16	financial	financial	ADJ
fsr-3444	42	17	planning	planning	NOUN
fsr-3444	42	18	process	process	NOUN
fsr-3444	42	19	recommended	recommend	VERB
fsr-3444	42	20	by	by	ADP
fsr-3444	42	21	the	the	DET
fsr-3444	42	22	certified	certify	VERB
fsr-3444	42	23	financial	financial	ADJ
fsr-3444	42	24	planners	planner	NOUN
fsr-3444	42	25	board	board	NOUN
fsr-3444	42	26	of	of	ADP
fsr-3444	42	27	standards	standard	NOUN
fsr-3444	42	28	(	(	PUNCT
fsr-3444	42	29	establish	establish	VERB
fsr-3444	42	30	goals	goal	NOUN
fsr-3444	42	31	,	,	PUNCT
fsr-3444	42	32	gather	gather	PROPN
fsr-3444	42	33	data	datum	NOUN
fsr-3444	42	34	,	,	PUNCT
fsr-3444	42	35	analyze	analyze	VERB
fsr-3444	42	36	information	information	NOUN
fsr-3444	42	37	,	,	PUNCT
fsr-3444	42	38	develop	develop	VERB
fsr-3444	42	39	a	a	DET
fsr-3444	42	40	plan	plan	NOUN
fsr-3444	42	41	,	,	PUNCT
fsr-3444	42	42	implement	implement	VERB
fsr-3444	42	43	the	the	DET
fsr-3444	42	44	plan	plan	NOUN
fsr-3444	42	45	,	,	PUNCT
fsr-3444	42	46	and	and	CCONJ
fsr-3444	42	47	monitor	monitor	VERB
fsr-3444	42	48	progress	progress	NOUN
fsr-3444	42	49	toward	toward	ADP
fsr-3444	42	50	the	the	DET
fsr-3444	42	51	goal	goal	NOUN
fsr-3444	42	52	;	;	PUNCT
fsr-3444	42	53	schuchardt	schuchardt	PROPN
fsr-3444	42	54	et	et	PROPN
fsr-3444	42	55	al	al	PROPN
fsr-3444	42	56	.	.	PROPN
fsr-3444	42	57	,	,	PUNCT
fsr-3444	42	58	2007	2007	NUM
fsr-3444	42	59	)	)	PUNCT
fsr-3444	42	60	.	.	PUNCT
fsr-3444	43	1	thaler	thaler	NOUN
fsr-3444	43	2	and	and	CCONJ
fsr-3444	43	3	shefrin	shefrin	NOUN
fsr-3444	43	4	(	(	PUNCT
fsr-3444	43	5	1981	1981	NUM
fsr-3444	43	6	)	)	PUNCT
fsr-3444	43	7	develop	develop	VERB
fsr-3444	43	8	the	the	DET
fsr-3444	43	9	theory	theory	NOUN
fsr-3444	43	10	of	of	ADP
fsr-3444	43	11	self	self	NOUN
fsr-3444	43	12	-	-	PUNCT
fsr-3444	43	13	control	control	NOUN
fsr-3444	43	14	that	that	PRON
fsr-3444	43	15	can	can	AUX
fsr-3444	43	16	also	also	ADV
fsr-3444	43	17	explain	explain	VERB
fsr-3444	43	18	financial	financial	ADJ
fsr-3444	43	19	behavior	behavior	NOUN
fsr-3444	43	20	.	.	PUNCT
fsr-3444	44	1	this	this	DET
fsr-3444	44	2	theory	theory	NOUN
fsr-3444	44	3	suggests	suggest	VERB
fsr-3444	44	4	that	that	SCONJ
fsr-3444	44	5	individuals	individual	NOUN
fsr-3444	44	6	have	have	VERB
fsr-3444	44	7	personality	personality	NOUN
fsr-3444	44	8	traits	trait	NOUN
fsr-3444	44	9	to	to	PART
fsr-3444	44	10	be	be	AUX
fsr-3444	44	11	either	either	CCONJ
fsr-3444	44	12	a	a	DET
fsr-3444	44	13	planner	planner	NOUN
fsr-3444	44	14	who	who	PRON
fsr-3444	44	15	is	be	AUX
fsr-3444	44	16	concerned	concern	VERB
fsr-3444	44	17	with	with	ADP
fsr-3444	44	18	lifetime	lifetime	NOUN
fsr-3444	44	19	utility	utility	NOUN
fsr-3444	44	20	or	or	CCONJ
fsr-3444	44	21	a	a	DET
fsr-3444	44	22	doer	doer	NOUN
fsr-3444	44	23	who	who	PRON
fsr-3444	44	24	is	be	AUX
fsr-3444	44	25	focused	focus	VERB
fsr-3444	44	26	on	on	ADP
fsr-3444	44	27	the	the	DET
fsr-3444	44	28	present	present	NOUN
fsr-3444	44	29	.	.	PUNCT
fsr-3444	45	1	later	later	ADV
fsr-3444	45	2	,	,	PUNCT
fsr-3444	45	3	shefrin	shefrin	NOUN
fsr-3444	45	4	and	and	CCONJ
fsr-3444	45	5	thaler	thaler	NOUN
fsr-3444	45	6	(	(	PUNCT
fsr-3444	45	7	1988	1988	NUM
fsr-3444	45	8	)	)	PUNCT
fsr-3444	45	9	proposed	propose	VERB
fsr-3444	45	10	the	the	DET
fsr-3444	45	11	behavioral	behavioral	ADJ
fsr-3444	45	12	life	life	NOUN
fsr-3444	45	13	cycle	cycle	NOUN
fsr-3444	45	14	hypothesis	hypothesis	NOUN
fsr-3444	45	15	suggesting	suggest	VERB
fsr-3444	45	16	that	that	SCONJ
fsr-3444	45	17	individuals	individual	NOUN
fsr-3444	45	18	practice	practice	VERB
fsr-3444	45	19	mental	mental	ADJ
fsr-3444	45	20	accounting	accounting	NOUN
fsr-3444	45	21	,	,	PUNCT
fsr-3444	45	22	meaning	mean	VERB
fsr-3444	45	23	that	that	SCONJ
fsr-3444	45	24	they	they	PRON
fsr-3444	45	25	have	have	VERB
fsr-3444	45	26	different	different	ADJ
fsr-3444	45	27	propensities	propensity	NOUN
fsr-3444	45	28	to	to	PART
fsr-3444	45	29	save	save	VERB
fsr-3444	45	30	in	in	ADP
fsr-3444	45	31	different	different	ADJ
fsr-3444	45	32	categories	category	NOUN
fsr-3444	45	33	of	of	ADP
fsr-3444	45	34	accounts	account	NOUN
fsr-3444	45	35	.	.	PUNCT
fsr-3444	46	1	schuchardt	schuchardt	PROPN
fsr-3444	46	2	et	et	PROPN
fsr-3444	46	3	al	al	PROPN
fsr-3444	46	4	.	.	PROPN
fsr-3444	47	1	(	(	PUNCT
fsr-3444	47	2	2007	2007	NUM
fsr-3444	47	3	)	)	PUNCT
fsr-3444	47	4	provide	provide	VERB
fsr-3444	47	5	the	the	DET
fsr-3444	47	6	trans	trans	ADJ
fsr-3444	47	7	-	-	ADJ
fsr-3444	47	8	theoretical	theoretical	ADJ
fsr-3444	47	9	model	model	NOUN
fsr-3444	47	10	of	of	ADP
fsr-3444	47	11	behavior	behavior	NOUN
fsr-3444	47	12	change	change	NOUN
fsr-3444	47	13	(	(	PUNCT
fsr-3444	47	14	ttm	ttm	NOUN
fsr-3444	47	15	)	)	PUNCT
fsr-3444	47	16	that	that	PRON
fsr-3444	47	17	can	can	AUX
fsr-3444	47	18	be	be	AUX
fsr-3444	47	19	used	use	VERB
fsr-3444	47	20	to	to	PART
fsr-3444	47	21	explain	explain	VERB
fsr-3444	47	22	financial	financial	ADJ
fsr-3444	47	23	behavior	behavior	NOUN
fsr-3444	47	24	.	.	PUNCT
fsr-3444	48	1	the	the	DET
fsr-3444	48	2	stages	stage	NOUN
fsr-3444	48	3	of	of	ADP
fsr-3444	48	4	change	change	NOUN
fsr-3444	48	5	are	be	AUX
fsr-3444	48	6	precontemplation	precontemplation	NOUN
fsr-3444	48	7	(	(	PUNCT
fsr-3444	48	8	no	no	DET
fsr-3444	48	9	intention	intention	NOUN
fsr-3444	48	10	to	to	PART
fsr-3444	48	11	change	change	VERB
fsr-3444	48	12	behavior	behavior	NOUN
fsr-3444	48	13	)	)	PUNCT
fsr-3444	48	14	,	,	PUNCT
fsr-3444	48	15	contemplation	contemplation	NOUN
fsr-3444	48	16	(	(	PUNCT
fsr-3444	48	17	aware	aware	ADJ
fsr-3444	48	18	of	of	ADP
fsr-3444	48	19	problem	problem	NOUN
fsr-3444	48	20	but	but	CCONJ
fsr-3444	48	21	not	not	PART
fsr-3444	48	22	committed	commit	VERB
fsr-3444	48	23	to	to	ADP
fsr-3444	48	24	changing	change	VERB
fsr-3444	48	25	behavior	behavior	NOUN
fsr-3444	48	26	)	)	PUNCT
fsr-3444	48	27	,	,	PUNCT
fsr-3444	48	28	preparation	preparation	NOUN
fsr-3444	48	29	(	(	PUNCT
fsr-3444	48	30	intending	intend	VERB
fsr-3444	48	31	to	to	PART
fsr-3444	48	32	change	change	VERB
fsr-3444	48	33	within	within	ADP
fsr-3444	48	34	a	a	DET
fsr-3444	48	35	month	month	NOUN
fsr-3444	48	36	)	)	PUNCT
fsr-3444	48	37	,	,	PUNCT
fsr-3444	48	38	action	action	NOUN
fsr-3444	48	39	(	(	PUNCT
fsr-3444	48	40	changing	change	VERB
fsr-3444	48	41	the	the	DET
fsr-3444	48	42	problem	problem	NOUN
fsr-3444	48	43	behavior	behavior	NOUN
fsr-3444	48	44	by	by	ADP
fsr-3444	48	45	employing	employ	VERB
fsr-3444	48	46	a	a	DET
fsr-3444	48	47	variety	variety	NOUN
fsr-3444	48	48	of	of	ADP
fsr-3444	48	49	strategies	strategy	NOUN
fsr-3444	48	50	)	)	PUNCT
fsr-3444	48	51	,	,	PUNCT
fsr-3444	48	52	and	and	CCONJ
fsr-3444	48	53	maintenance	maintenance	NOUN
fsr-3444	48	54	(	(	PUNCT
fsr-3444	48	55	working	work	VERB
fsr-3444	48	56	to	to	PART
fsr-3444	48	57	prevent	prevent	VERB
fsr-3444	48	58	relapse	relapse	NOUN
fsr-3444	48	59	)	)	PUNCT
fsr-3444	48	60	.	.	PUNCT
fsr-3444	49	1	research	research	NOUN
fsr-3444	49	2	has	have	AUX
fsr-3444	49	3	shown	show	VERB
fsr-3444	49	4	that	that	SCONJ
fsr-3444	49	5	successful	successful	ADJ
fsr-3444	49	6	self	self	NOUN
fsr-3444	49	7	-	-	PUNCT
fsr-3444	49	8	changers	changer	NOUN
fsr-3444	49	9	use	use	VERB
fsr-3444	49	10	a	a	DET
fsr-3444	49	11	variety	variety	NOUN
fsr-3444	49	12	of	of	ADP
fsr-3444	49	13	strategies	strategy	NOUN
fsr-3444	49	14	to	to	PART
fsr-3444	49	15	achieve	achieve	VERB
fsr-3444	49	16	their	their	PRON
fsr-3444	49	17	goal	goal	NOUN
fsr-3444	49	18	.	.	PUNCT
fsr-3444	50	1	in	in	ADP
fsr-3444	50	2	terms	term	NOUN
fsr-3444	50	3	of	of	ADP
fsr-3444	50	4	filing	filing	NOUN
fsr-3444	50	5	for	for	ADP
fsr-3444	50	6	bankruptcy	bankruptcy	NOUN
fsr-3444	50	7	,	,	PUNCT
fsr-3444	50	8	the	the	DET
fsr-3444	50	9	theory	theory	NOUN
fsr-3444	50	10	gives	give	VERB
fsr-3444	50	11	some	some	DET
fsr-3444	50	12	structure	structure	NOUN
fsr-3444	50	13	of	of	ADP
fsr-3444	50	14	what	what	PRON
fsr-3444	50	15	a	a	DET
fsr-3444	50	16	filer	filer	NOUN
fsr-3444	50	17	may	may	AUX
fsr-3444	50	18	be	be	AUX
fsr-3444	50	19	going	go	VERB
fsr-3444	50	20	through	through	ADV
fsr-3444	50	21	,	,	PUNCT
fsr-3444	50	22	from	from	ADP
fsr-3444	50	23	not	not	PART
fsr-3444	50	24	wanting	want	VERB
fsr-3444	50	25	to	to	PART
fsr-3444	50	26	file	file	VERB
fsr-3444	50	27	,	,	PUNCT
fsr-3444	50	28	contemplating	contemplate	VERB
fsr-3444	50	29	to	to	PART
fsr-3444	50	30	file	file	VERB
fsr-3444	50	31	,	,	PUNCT
fsr-3444	50	32	filing	filing	NOUN
fsr-3444	50	33	,	,	PUNCT
fsr-3444	50	34	receiving	receive	VERB
fsr-3444	50	35	financial	financial	ADJ
fsr-3444	50	36	training	training	NOUN
fsr-3444	50	37	(	(	PUNCT
fsr-3444	50	38	using	use	VERB
fsr-3444	50	39	strategies	strategy	NOUN
fsr-3444	50	40	to	to	PART
fsr-3444	50	41	change	change	VERB
fsr-3444	50	42	behavior	behavior	NOUN
fsr-3444	50	43	)	)	PUNCT
fsr-3444	50	44	,	,	PUNCT
fsr-3444	50	45	and	and	CCONJ
fsr-3444	50	46	hopefully	hopefully	ADV
fsr-3444	50	47	not	not	PART
fsr-3444	50	48	relapsing	relapse	VERB
fsr-3444	50	49	into	into	ADP
fsr-3444	50	50	a	a	DET
fsr-3444	50	51	second	second	ADJ
fsr-3444	50	52	filing	filing	NOUN
fsr-3444	50	53	.	.	PUNCT
fsr-3444	51	1	we	we	PRON
fsr-3444	51	2	have	have	AUX
fsr-3444	51	3	reviewed	review	VERB
fsr-3444	51	4	the	the	DET
fsr-3444	51	5	sequential	sequential	ADJ
fsr-3444	51	6	model	model	NOUN
fsr-3444	51	7	,	,	PUNCT
fsr-3444	51	8	the	the	DET
fsr-3444	51	9	live	live	ADJ
fsr-3444	51	10	event	event	NOUN
fsr-3444	51	11	model	model	NOUN
fsr-3444	51	12	,	,	PUNCT
fsr-3444	51	13	the	the	DET
fsr-3444	51	14	discounted	discount	VERB
fsr-3444	51	15	utility	utility	NOUN
fsr-3444	51	16	model	model	NOUN
fsr-3444	51	17	,	,	PUNCT
fsr-3444	51	18	the	the	DET
fsr-3444	51	19	human	human	ADJ
fsr-3444	51	20	ecological	ecological	ADJ
fsr-3444	51	21	model	model	NOUN
fsr-3444	51	22	,	,	PUNCT
fsr-3444	51	23	the	the	DET
fsr-3444	51	24	theory	theory	NOUN
fsr-3444	51	25	of	of	ADP
fsr-3444	51	26	self	self	NOUN
fsr-3444	51	27	-	-	PUNCT
fsr-3444	51	28	control	control	NOUN
fsr-3444	51	29	,	,	PUNCT
fsr-3444	51	30	and	and	CCONJ
fsr-3444	51	31	the	the	DET
fsr-3444	51	32	trans	trans	ADJ
fsr-3444	51	33	-	-	ADJ
fsr-3444	51	34	theoretical	theoretical	ADJ
fsr-3444	51	35	model	model	NOUN
fsr-3444	51	36	of	of	ADP
fsr-3444	51	37	behavior	behavior	NOUN
fsr-3444	51	38	change	change	NOUN
fsr-3444	51	39	.	.	PUNCT
fsr-3444	52	1	these	these	DET
fsr-3444	52	2	different	different	ADJ
fsr-3444	52	3	models	model	NOUN
fsr-3444	52	4	and	and	CCONJ
fsr-3444	52	5	theories	theory	NOUN
fsr-3444	52	6	can	can	AUX
fsr-3444	52	7	be	be	AUX
fsr-3444	52	8	used	use	VERB
fsr-3444	52	9	to	to	PART
fsr-3444	52	10	explain	explain	VERB
fsr-3444	52	11	financial	financial	ADJ
fsr-3444	52	12	behavior	behavior	NOUN
fsr-3444	52	13	in	in	ADP
fsr-3444	52	14	general	general	ADJ
fsr-3444	52	15	.	.	PUNCT
fsr-3444	53	1	we	we	PRON
fsr-3444	53	2	have	have	AUX
fsr-3444	53	3	not	not	PART
fsr-3444	53	4	seen	see	VERB
fsr-3444	53	5	any	any	DET
fsr-3444	53	6	theory	theory	NOUN
fsr-3444	53	7	that	that	PRON
fsr-3444	53	8	directly	directly	ADV
fsr-3444	53	9	explains	explain	VERB
fsr-3444	53	10	personal	personal	ADJ
fsr-3444	53	11	bankruptcy	bankruptcy	NOUN
fsr-3444	53	12	behavior	behavior	NOUN
fsr-3444	53	13	.	.	PUNCT
fsr-3444	54	1	2.3	2.3	NUM
fsr-3444	54	2	.	.	PUNCT
fsr-3444	55	1	personal	personal	ADJ
fsr-3444	55	2	bankruptcy	bankruptcy	NOUN
fsr-3444	55	3	2.3.1	2.3.1	NUM
fsr-3444	55	4	.	.	PUNCT
fsr-3444	55	5	demographic	demographic	ADJ
fsr-3444	55	6	and	and	CCONJ
fsr-3444	55	7	financial	financial	ADJ
fsr-3444	55	8	factors	factor	NOUN
fsr-3444	55	9	.	.	PUNCT
fsr-3444	56	1	domowitz	domowitz	VERB
fsr-3444	56	2	and	and	CCONJ
fsr-3444	56	3	sartain	sartain	VERB
fsr-3444	56	4	(	(	PUNCT
fsr-3444	56	5	1999	1999	NUM
fsr-3444	56	6	)	)	PUNCT
fsr-3444	56	7	find	find	VERB
fsr-3444	56	8	that	that	SCONJ
fsr-3444	56	9	medical	medical	ADJ
fsr-3444	56	10	and	and	CCONJ
fsr-3444	56	11	credit	credit	NOUN
fsr-3444	56	12	card	card	NOUN
fsr-3444	56	13	debt	debt	NOUN
fsr-3444	56	14	are	be	AUX
fsr-3444	56	15	the	the	DET
fsr-3444	56	16	strongest	strong	ADJ
fsr-3444	56	17	contributors	contributor	NOUN
fsr-3444	56	18	to	to	ADP
fsr-3444	56	19	bankruptcy	bankruptcy	NOUN
fsr-3444	56	20	,	,	PUNCT
fsr-3444	56	21	with	with	ADP
fsr-3444	56	22	homeownership	homeownership	NOUN
fsr-3444	56	23	playing	play	VERB
fsr-3444	56	24	an	an	DET
fsr-3444	56	25	important	important	ADJ
fsr-3444	56	26	role	role	NOUN
fsr-3444	56	27	with	with	ADP
fsr-3444	56	28	respect	respect	NOUN
fsr-3444	56	29	to	to	ADP
fsr-3444	56	30	both	both	DET
fsr-3444	56	31	the	the	DET
fsr-3444	56	32	decision	decision	NOUN
fsr-3444	56	33	to	to	PART
fsr-3444	56	34	declare	declare	VERB
fsr-3444	56	35	bankruptcy	bankruptcy	NOUN
fsr-3444	56	36	and	and	CCONJ
fsr-3444	56	37	the	the	DET
fsr-3444	56	38	alternative	alternative	ADJ
fsr-3444	56	39	choice	choice	NOUN
fsr-3444	56	40	of	of	ADP
fsr-3444	56	41	bankruptcy	bankruptcy	NOUN
fsr-3444	56	42	(	(	PUNCT
fsr-3444	56	43	e.g.	e.g.	ADV
fsr-3444	56	44	,	,	PUNCT
fsr-3444	56	45	debt	debt	NOUN
fsr-3444	56	46	consolidation	consolidation	NOUN
fsr-3444	56	47	)	)	PUNCT
fsr-3444	56	48	.	.	PUNCT
fsr-3444	57	1	chakravarty	chakravarty	NOUN
fsr-3444	57	2	and	and	CCONJ
fsr-3444	57	3	rhee	rhee	PROPN
fsr-3444	57	4	(	(	PUNCT
fsr-3444	57	5	1999	1999	NUM
fsr-3444	57	6	)	)	PUNCT
fsr-3444	57	7	find	find	VERB
fsr-3444	57	8	several	several	ADJ
fsr-3444	57	9	factors	factor	NOUN
fsr-3444	57	10	affecting	affect	VERB
fsr-3444	57	11	an	an	DET
fsr-3444	57	12	individual	individual	NOUN
fsr-3444	57	13	’s	’s	PART
fsr-3444	57	14	decision	decision	NOUN
fsr-3444	57	15	to	to	PART
fsr-3444	57	16	file	file	VERB
fsr-3444	57	17	for	for	ADP
fsr-3444	57	18	bankruptcy	bankruptcy	NOUN
fsr-3444	57	19	.	.	PUNCT
fsr-3444	58	1	these	these	DET
fsr-3444	58	2	factors	factor	NOUN
fsr-3444	58	3	include	include	VERB
fsr-3444	58	4	age	age	NOUN
fsr-3444	58	5	of	of	ADP
fsr-3444	58	6	the	the	DET
fsr-3444	58	7	head	head	NOUN
fsr-3444	58	8	of	of	ADP
fsr-3444	58	9	household	household	NOUN
fsr-3444	58	10	;	;	PUNCT
fsr-3444	58	11	past	past	ADP
fsr-3444	58	12	problems	problem	NOUN
fsr-3444	58	13	with	with	ADP
fsr-3444	58	14	money	money	NOUN
fsr-3444	58	15	management	management	NOUN
fsr-3444	58	16	;	;	PUNCT
fsr-3444	58	17	the	the	DET
fsr-3444	58	18	gender	gender	NOUN
fsr-3444	58	19	of	of	ADP
fsr-3444	58	20	a	a	DET
fsr-3444	58	21	single	single	ADJ
fsr-3444	58	22	head	head	NOUN
fsr-3444	58	23	of	of	ADP
fsr-3444	58	24	household	household	NOUN
fsr-3444	58	25	;	;	PUNCT
fsr-3444	58	26	the	the	DET
fsr-3444	58	27	(	(	PUNCT
fsr-3444	58	28	un)employment	un)employment	ADJ
fsr-3444	58	29	status	status	NOUN
fsr-3444	58	30	of	of	ADP
fsr-3444	58	31	the	the	DET
fsr-3444	58	32	household	household	NOUN
fsr-3444	58	33	head	head	NOUN
fsr-3444	58	34	;	;	PUNCT
fsr-3444	58	35	the	the	DET
fsr-3444	58	36	length	length	NOUN
fsr-3444	58	37	of	of	ADP
fsr-3444	58	38	employment	employment	NOUN
fsr-3444	58	39	of	of	ADP
fsr-3444	58	40	the	the	DET
fsr-3444	58	41	household	household	NOUN
fsr-3444	58	42	head	head	NOUN
fsr-3444	58	43	;	;	PUNCT
fsr-3444	58	44	(	(	PUNCT
fsr-3444	58	45	bad	bad	ADJ
fsr-3444	58	46	)	)	PUNCT
fsr-3444	58	47	health	health	NOUN
fsr-3444	58	48	;	;	PUNCT
fsr-3444	58	49	(	(	PUNCT
fsr-3444	58	50	the	the	DET
fsr-3444	58	51	lack	lack	NOUN
fsr-3444	58	52	of	of	ADP
fsr-3444	58	53	)	)	PUNCT
fsr-3444	58	54	medicare	medicare	PROPN
fsr-3444	58	55	/	/	SYM
fsr-3444	58	56	medicaid	medicaid	PROPN
fsr-3444	58	57	protection	protection	NOUN
fsr-3444	58	58	;	;	PUNCT
fsr-3444	58	59	household	household	NOUN
fsr-3444	58	60	income	income	NOUN
fsr-3444	58	61	;	;	PUNCT
fsr-3444	58	62	and	and	CCONJ
fsr-3444	58	63	the	the	DET
fsr-3444	58	64	dollar	dollar	NOUN
fsr-3444	58	65	benefit	benefit	NOUN
fsr-3444	58	66	level	level	NOUN
fsr-3444	58	67	of	of	ADP
fsr-3444	58	68	filing	filing	NOUN
fsr-3444	58	69	for	for	ADP
fsr-3444	58	70	bankruptcy	bankruptcy	NOUN
fsr-3444	58	71	.	.	PUNCT
fsr-3444	59	1	clements	clements	PROPN
fsr-3444	59	2	,	,	PUNCT
fsr-3444	59	3	johnson	johnson	PROPN
fsr-3444	59	4	,	,	PUNCT
fsr-3444	59	5	michelich	michelich	NOUN
fsr-3444	59	6	,	,	PUNCT
fsr-3444	59	7	and	and	CCONJ
fsr-3444	59	8	olinsky	olinsky	ADJ
fsr-3444	59	9	(	(	PUNCT
fsr-3444	59	10	1999	1999	NUM
fsr-3444	59	11	)	)	PUNCT
fsr-3444	59	12	study	study	NOUN
fsr-3444	59	13	60	60	NUM
fsr-3444	59	14	people	people	NOUN
fsr-3444	59	15	who	who	PRON
fsr-3444	59	16	file	file	VERB
fsr-3444	59	17	for	for	ADP
fsr-3444	59	18	bankruptcy	bankruptcy	NOUN
fsr-3444	59	19	in	in	ADP
fsr-3444	59	20	southern	southern	ADJ
fsr-3444	59	21	ohio	ohio	PROPN
fsr-3444	59	22	federal	federal	PROPN
fsr-3444	59	23	district	district	PROPN
fsr-3444	59	24	bankruptcy	bankruptcy	NOUN
fsr-3444	59	25	court	court	NOUN
fsr-3444	59	26	.	.	PUNCT
fsr-3444	60	1	their	their	PRON
fsr-3444	60	2	results	result	NOUN
fsr-3444	60	3	reveal	reveal	VERB
fsr-3444	60	4	that	that	SCONJ
fsr-3444	60	5	the	the	DET
fsr-3444	60	6	reason	reason	NOUN
fsr-3444	60	7	most	most	ADV
fsr-3444	60	8	often	often	ADV
fsr-3444	60	9	cited	cite	VERB
fsr-3444	60	10	for	for	ADP
fsr-3444	60	11	filing	filing	NOUN
fsr-3444	60	12	is	be	AUX
fsr-3444	60	13	overuse	overuse	NOUN
fsr-3444	60	14	of	of	ADP
fsr-3444	60	15	credit	credit	NOUN
fsr-3444	60	16	for	for	ADP
fsr-3444	60	17	clothing	clothing	NOUN
fsr-3444	60	18	,	,	PUNCT
fsr-3444	60	19	household	household	NOUN
fsr-3444	60	20	goods	good	NOUN
fsr-3444	60	21	,	,	PUNCT
fsr-3444	60	22	paying	pay	VERB
fsr-3444	60	23	bills	bill	NOUN
fsr-3444	60	24	,	,	PUNCT
fsr-3444	60	25	and	and	CCONJ
fsr-3444	60	26	cash	cash	NOUN
fsr-3444	60	27	advances	advance	NOUN
fsr-3444	60	28	.	.	PUNCT
fsr-3444	61	1	they	they	PRON
fsr-3444	61	2	find	find	VERB
fsr-3444	61	3	that	that	SCONJ
fsr-3444	61	4	most	most	ADJ
fsr-3444	61	5	filers	filer	NOUN
fsr-3444	61	6	are	be	AUX
fsr-3444	61	7	embarrassed	embarrassed	ADJ
fsr-3444	61	8	about	about	ADP
fsr-3444	61	9	their	their	PRON
fsr-3444	61	10	situation	situation	NOUN
fsr-3444	61	11	and	and	CCONJ
fsr-3444	61	12	have	have	VERB
fsr-3444	61	13	desires	desire	NOUN
fsr-3444	61	14	to	to	PART
fsr-3444	61	15	learn	learn	VERB
fsr-3444	61	16	about	about	ADP
fsr-3444	61	17	setting	set	VERB
fsr-3444	61	18	goals	goal	NOUN
fsr-3444	61	19	and	and	CCONJ
fsr-3444	61	20	about	about	ADP
fsr-3444	61	21	the	the	DET
fsr-3444	61	22	difference	difference	NOUN
fsr-3444	61	23	between	between	ADP
fsr-3444	61	24	wants	want	NOUN
fsr-3444	61	25	and	and	CCONJ
fsr-3444	61	26	needs	need	NOUN
fsr-3444	61	27	.	.	PUNCT
fsr-3444	62	1	s.	s.	PROPN
fsr-3444	62	2	e.	e.	PROPN
fsr-3444	62	3	kehiaian	kehiaian	PROPN
fsr-3444	62	4	et	et	PROPN
fsr-3444	62	5	al	al	PROPN
fsr-3444	62	6	.	.	PUNCT
fsr-3444	62	7	/	/	SYM
fsr-3444	62	8	financial	financial	ADJ
fsr-3444	62	9	services	service	NOUN
fsr-3444	62	10	review	review	VERB
fsr-3444	62	11	29	29	NUM
fsr-3444	62	12	(	(	PUNCT
fsr-3444	62	13	2021	2021	NUM
fsr-3444	62	14	)	)	PUNCT
fsr-3444	62	15	67–84	67–84	NOUN
fsr-3444	62	16	69	69	NUM
fsr-3444	62	17	loibl	loibl	NOUN
fsr-3444	62	18	,	,	PUNCT
fsr-3444	62	19	hira	hira	PROPN
fsr-3444	62	20	,	,	PUNCT
fsr-3444	62	21	and	and	CCONJ
fsr-3444	62	22	rupured	rupure	VERB
fsr-3444	62	23	(	(	PUNCT
fsr-3444	62	24	2006	2006	NUM
fsr-3444	62	25	)	)	PUNCT
fsr-3444	62	26	study	study	VERB
fsr-3444	62	27	the	the	DET
fsr-3444	62	28	difference	difference	NOUN
fsr-3444	62	29	between	between	ADP
fsr-3444	62	30	first	first	ADJ
fsr-3444	62	31	-	-	PUNCT
fsr-3444	62	32	time	time	NOUN
fsr-3444	62	33	versus	versus	ADP
fsr-3444	62	34	repeat	repeat	NOUN
fsr-3444	62	35	filers	filer	NOUN
fsr-3444	62	36	,	,	PUNCT
fsr-3444	62	37	using	use	VERB
fsr-3444	62	38	a	a	DET
fsr-3444	62	39	sample	sample	NOUN
fsr-3444	62	40	of	of	ADP
fsr-3444	62	41	489	489	NUM
fsr-3444	62	42	participants	participant	NOUN
fsr-3444	62	43	from	from	ADP
fsr-3444	62	44	georgia	georgia	PROPN
fsr-3444	62	45	.	.	PUNCT
fsr-3444	63	1	results	result	NOUN
fsr-3444	63	2	indicate	indicate	VERB
fsr-3444	63	3	that	that	DET
fsr-3444	63	4	repeat	repeat	NOUN
fsr-3444	63	5	filers	filer	NOUN
fsr-3444	63	6	are	be	AUX
fsr-3444	63	7	more	more	ADV
fsr-3444	63	8	likely	likely	ADJ
fsr-3444	63	9	than	than	SCONJ
fsr-3444	63	10	first	first	ADJ
fsr-3444	63	11	-	-	PUNCT
fsr-3444	63	12	time	time	NOUN
fsr-3444	63	13	filers	filer	NOUN
fsr-3444	63	14	to	to	PART
fsr-3444	63	15	start	start	VERB
fsr-3444	63	16	an	an	DET
fsr-3444	63	17	emergency	emergency	NOUN
fsr-3444	63	18	fund	fund	NOUN
fsr-3444	63	19	,	,	PUNCT
fsr-3444	63	20	to	to	PART
fsr-3444	63	21	reduce	reduce	VERB
fsr-3444	63	22	spending	spending	NOUN
fsr-3444	63	23	,	,	PUNCT
fsr-3444	63	24	and	and	CCONJ
fsr-3444	63	25	to	to	PART
fsr-3444	63	26	write	write	VERB
fsr-3444	63	27	a	a	DET
fsr-3444	63	28	spending	spending	NOUN
fsr-3444	63	29	plan	plan	NOUN
fsr-3444	63	30	.	.	PUNCT
fsr-3444	64	1	evans	evans	PROPN
fsr-3444	64	2	and	and	CCONJ
fsr-3444	64	3	lown	lown	PROPN
fsr-3444	64	4	(	(	PUNCT
fsr-3444	64	5	2008	2008	NUM
fsr-3444	64	6	)	)	PUNCT
fsr-3444	64	7	also	also	ADV
fsr-3444	64	8	study	study	VERB
fsr-3444	64	9	predictors	predictor	NOUN
fsr-3444	64	10	of	of	ADP
fsr-3444	64	11	chapter	chapter	NOUN
fsr-3444	64	12	13	13	NUM
fsr-3444	64	13	completion	completion	NOUN
fsr-3444	64	14	rates	rate	NOUN
fsr-3444	64	15	.	.	PUNCT
fsr-3444	65	1	the	the	DET
fsr-3444	65	2	completion	completion	NOUN
fsr-3444	65	3	of	of	ADP
fsr-3444	65	4	a	a	DET
fsr-3444	65	5	chapter	chapter	NOUN
fsr-3444	65	6	13	13	NUM
fsr-3444	65	7	repayment	repayment	NOUN
fsr-3444	65	8	plan	plan	NOUN
fsr-3444	65	9	is	be	AUX
fsr-3444	65	10	not	not	PART
fsr-3444	65	11	associated	associate	VERB
fsr-3444	65	12	with	with	ADP
fsr-3444	65	13	a	a	DET
fsr-3444	65	14	debtor	debtor	NOUN
fsr-3444	65	15	’s	’s	PART
fsr-3444	65	16	monthly	monthly	ADJ
fsr-3444	65	17	income	income	NOUN
fsr-3444	65	18	or	or	CCONJ
fsr-3444	65	19	expenses	expense	NOUN
fsr-3444	65	20	.	.	PUNCT
fsr-3444	66	1	the	the	DET
fsr-3444	66	2	factors	factor	NOUN
fsr-3444	66	3	,	,	PUNCT
fsr-3444	66	4	never	never	ADV
fsr-3444	66	5	married	married	ADJ
fsr-3444	66	6	,	,	PUNCT
fsr-3444	66	7	having	have	VERB
fsr-3444	66	8	dependent	dependent	ADJ
fsr-3444	66	9	children	child	NOUN
fsr-3444	66	10	,	,	PUNCT
fsr-3444	66	11	having	have	VERB
fsr-3444	66	12	a	a	DET
fsr-3444	66	13	previous	previous	ADJ
fsr-3444	66	14	filing	filing	NOUN
fsr-3444	66	15	,	,	PUNCT
fsr-3444	66	16	and	and	CCONJ
fsr-3444	66	17	having	have	VERB
fsr-3444	66	18	a	a	DET
fsr-3444	66	19	higher	high	ADJ
fsr-3444	66	20	mortgage	mortgage	NOUN
fsr-3444	66	21	arrears	arrear	NOUN
fsr-3444	66	22	,	,	PUNCT
fsr-3444	66	23	increase	increase	VERB
fsr-3444	66	24	the	the	DET
fsr-3444	66	25	likelihood	likelihood	NOUN
fsr-3444	66	26	of	of	ADP
fsr-3444	66	27	dismissal	dismissal	NOUN
fsr-3444	66	28	from	from	ADP
fsr-3444	66	29	the	the	DET
fsr-3444	66	30	program	program	NOUN
fsr-3444	66	31	.	.	PUNCT
fsr-3444	67	1	caputo	caputo	PROPN
fsr-3444	67	2	(	(	PUNCT
fsr-3444	67	3	2008	2008	NUM
fsr-3444	67	4	)	)	PUNCT
fsr-3444	67	5	study	study	NOUN
fsr-3444	67	6	marital	marital	ADJ
fsr-3444	67	7	status	status	NOUN
fsr-3444	67	8	and	and	CCONJ
fsr-3444	67	9	other	other	ADJ
fsr-3444	67	10	factors	factor	NOUN
fsr-3444	67	11	associated	associate	VERB
fsr-3444	67	12	with	with	ADP
fsr-3444	67	13	personal	personal	ADJ
fsr-3444	67	14	bankruptcy	bankruptcy	NOUN
fsr-3444	67	15	using	use	VERB
fsr-3444	67	16	data	datum	NOUN
fsr-3444	67	17	from	from	ADP
fsr-3444	67	18	1986	1986	NUM
fsr-3444	67	19	to	to	ADP
fsr-3444	67	20	2004	2004	NUM
fsr-3444	67	21	from	from	ADP
fsr-3444	67	22	the	the	DET
fsr-3444	67	23	national	national	ADJ
fsr-3444	67	24	longitudinal	longitudinal	ADJ
fsr-3444	67	25	survey	survey	NOUN
fsr-3444	67	26	.	.	PUNCT
fsr-3444	68	1	in	in	ADP
fsr-3444	68	2	2004	2004	NUM
fsr-3444	68	3	,	,	PUNCT
fsr-3444	68	4	those	those	PRON
fsr-3444	68	5	who	who	PRON
fsr-3444	68	6	are	be	AUX
fsr-3444	68	7	divorced	divorce	VERB
fsr-3444	68	8	are	be	AUX
fsr-3444	68	9	most	most	ADV
fsr-3444	68	10	likely	likely	ADJ
fsr-3444	68	11	to	to	PART
fsr-3444	68	12	have	have	AUX
fsr-3444	68	13	declared	declare	VERB
fsr-3444	68	14	bankruptcy	bankruptcy	NOUN
fsr-3444	68	15	(	(	PUNCT
fsr-3444	68	16	16.4	16.4	NUM
fsr-3444	68	17	%	%	NOUN
fsr-3444	68	18	)	)	PUNCT
fsr-3444	68	19	,	,	PUNCT
fsr-3444	68	20	followed	follow	VERB
fsr-3444	68	21	by	by	ADP
fsr-3444	68	22	those	those	PRON
fsr-3444	68	23	who	who	PRON
fsr-3444	68	24	are	be	AUX
fsr-3444	68	25	separated	separate	VERB
fsr-3444	68	26	(	(	PUNCT
fsr-3444	68	27	13.9	13.9	NUM
fsr-3444	68	28	%	%	NOUN
fsr-3444	68	29	)	)	PUNCT
fsr-3444	68	30	,	,	PUNCT
fsr-3444	68	31	married	marry	VERB
fsr-3444	68	32	with	with	ADP
fsr-3444	68	33	spouse	spouse	NOUN
fsr-3444	68	34	present	present	NOUN
fsr-3444	68	35	(	(	PUNCT
fsr-3444	68	36	11.2	11.2	NUM
fsr-3444	68	37	%	%	NOUN
fsr-3444	68	38	)	)	PUNCT
fsr-3444	68	39	,	,	PUNCT
fsr-3444	68	40	and	and	CCONJ
fsr-3444	68	41	never	never	ADV
fsr-3444	68	42	-	-	PUNCT
fsr-3444	68	43	married	married	ADJ
fsr-3444	68	44	(	(	PUNCT
fsr-3444	68	45	7.0	7.0	NUM
fsr-3444	68	46	%	%	NOUN
fsr-3444	68	47	)	)	PUNCT
fsr-3444	68	48	.	.	PUNCT
fsr-3444	69	1	marital	marital	ADJ
fsr-3444	69	2	status	status	NOUN
fsr-3444	69	3	is	be	AUX
fsr-3444	69	4	associated	associate	VERB
fsr-3444	69	5	with	with	ADP
fsr-3444	69	6	likelihood	likelihood	NOUN
fsr-3444	69	7	of	of	ADP
fsr-3444	69	8	declaring	declare	VERB
fsr-3444	69	9	bankruptcy	bankruptcy	NOUN
fsr-3444	69	10	in	in	ADP
fsr-3444	69	11	only	only	ADV
fsr-3444	69	12	six	six	NUM
fsr-3444	69	13	of	of	ADP
fsr-3444	69	14	the	the	DET
fsr-3444	69	15	14	14	NUM
fsr-3444	69	16	survey	survey	NOUN
fsr-3444	69	17	years	year	NOUN
fsr-3444	69	18	.	.	PUNCT
fsr-3444	70	1	never	never	ADV
fsr-3444	70	2	-	-	PUNCT
fsr-3444	70	3	married	marry	VERB
fsr-3444	70	4	persons	person	NOUN
fsr-3444	70	5	at	at	ADP
fsr-3444	70	6	the	the	DET
fsr-3444	70	7	time	time	NOUN
fsr-3444	70	8	of	of	ADP
fsr-3444	70	9	declared	declare	VERB
fsr-3444	70	10	bankruptcy	bankruptcy	NOUN
fsr-3444	70	11	are	be	AUX
fsr-3444	70	12	less	less	ADV
fsr-3444	70	13	likely	likely	ADJ
fsr-3444	70	14	than	than	ADP
fsr-3444	70	15	married	married	ADJ
fsr-3444	70	16	persons	person	NOUN
fsr-3444	70	17	to	to	PART
fsr-3444	70	18	declare	declare	VERB
fsr-3444	70	19	.	.	PUNCT
fsr-3444	71	1	formerly	formerly	ADV
fsr-3444	71	2	married	married	ADJ
fsr-3444	71	3	persons	person	NOUN
fsr-3444	71	4	,	,	PUNCT
fsr-3444	71	5	whether	whether	SCONJ
fsr-3444	71	6	divorced	divorce	VERB
fsr-3444	71	7	or	or	CCONJ
fsr-3444	71	8	separated	separate	VERB
fsr-3444	71	9	,	,	PUNCT
fsr-3444	71	10	are	be	AUX
fsr-3444	71	11	more	more	ADV
fsr-3444	71	12	likely	likely	ADJ
fsr-3444	71	13	than	than	ADP
fsr-3444	71	14	married	married	ADJ
fsr-3444	71	15	persons	person	NOUN
fsr-3444	71	16	to	to	PART
fsr-3444	71	17	declare	declare	VERB
fsr-3444	71	18	for	for	ADP
fsr-3444	71	19	bankruptcy	bankruptcy	NOUN
fsr-3444	71	20	.	.	PUNCT
fsr-3444	72	1	beck	beck	PROPN
fsr-3444	72	2	,	,	PUNCT
fsr-3444	72	3	hackney	hackney	PROPN
fsr-3444	72	4	,	,	PUNCT
fsr-3444	72	5	hackney	hackney	PROPN
fsr-3444	72	6	,	,	PUNCT
fsr-3444	72	7	and	and	CCONJ
fsr-3444	72	8	mcpherson	mcpherson	PROPN
fsr-3444	72	9	(	(	PUNCT
fsr-3444	72	10	2014	2014	NUM
fsr-3444	72	11	)	)	PUNCT
fsr-3444	72	12	find	find	VERB
fsr-3444	72	13	that	that	SCONJ
fsr-3444	72	14	religion	religion	NOUN
fsr-3444	72	15	is	be	AUX
fsr-3444	72	16	the	the	DET
fsr-3444	72	17	driving	drive	VERB
fsr-3444	72	18	force	force	NOUN
fsr-3444	72	19	behind	behind	ADP
fsr-3444	72	20	the	the	DET
fsr-3444	72	21	abnormally	abnormally	ADV
fsr-3444	72	22	high	high	ADJ
fsr-3444	72	23	level	level	NOUN
fsr-3444	72	24	of	of	ADP
fsr-3444	72	25	chapter	chapter	NOUN
fsr-3444	72	26	13	13	NUM
fsr-3444	72	27	filings	filing	NOUN
fsr-3444	72	28	in	in	ADP
fsr-3444	72	29	the	the	DET
fsr-3444	72	30	southern	southern	ADJ
fsr-3444	72	31	united	united	PROPN
fsr-3444	72	32	states	states	PROPN
fsr-3444	72	33	.	.	PUNCT
fsr-3444	73	1	lefgren	lefgren	PROPN
fsr-3444	73	2	and	and	CCONJ
fsr-3444	73	3	mcintyre	mcintyre	PROPN
fsr-3444	73	4	(	(	PUNCT
fsr-3444	73	5	2009	2009	NUM
fsr-3444	73	6	)	)	PUNCT
fsr-3444	73	7	look	look	VERB
fsr-3444	73	8	at	at	ADP
fsr-3444	73	9	cross	cross	ADJ
fsr-3444	73	10	-	-	ADJ
fsr-3444	73	11	state	state	ADJ
fsr-3444	73	12	differences	difference	NOUN
fsr-3444	73	13	in	in	ADP
fsr-3444	73	14	bankruptcy	bankruptcy	NOUN
fsr-3444	73	15	rates	rate	NOUN
fsr-3444	73	16	.	.	PUNCT
fsr-3444	74	1	using	use	VERB
fsr-3444	74	2	zipcode	zipcode	PROPN
fsr-3444	74	3	level	level	PROPN
fsr-3444	74	4	demographic	demographic	ADJ
fsr-3444	74	5	research	research	NOUN
fsr-3444	74	6	data	datum	NOUN
fsr-3444	74	7	,	,	PUNCT
fsr-3444	74	8	they	they	PRON
fsr-3444	74	9	find	find	VERB
fsr-3444	74	10	that	that	SCONJ
fsr-3444	74	11	the	the	DET
fsr-3444	74	12	major	major	ADJ
fsr-3444	74	13	differentiating	differentiate	VERB
fsr-3444	74	14	factors	factor	NOUN
fsr-3444	74	15	include	include	VERB
fsr-3444	74	16	wage	wage	NOUN
fsr-3444	74	17	garnishment	garnishment	NOUN
fsr-3444	74	18	restrictions	restriction	NOUN
fsr-3444	74	19	and	and	CCONJ
fsr-3444	74	20	the	the	DET
fsr-3444	74	21	frequency	frequency	NOUN
fsr-3444	74	22	of	of	ADP
fsr-3444	74	23	chapter	chapter	NOUN
fsr-3444	74	24	13	13	NUM
fsr-3444	74	25	-	-	PUNCT
fsr-3444	74	26	style	style	NOUN
fsr-3444	74	27	bankruptcy	bankruptcy	NOUN
fsr-3444	74	28	claims	claim	NOUN
fsr-3444	74	29	.	.	PUNCT
fsr-3444	75	1	zhu	zhu	PROPN
fsr-3444	75	2	(	(	PUNCT
fsr-3444	75	3	2011	2011	NUM
fsr-3444	75	4	)	)	PUNCT
fsr-3444	75	5	studies	study	NOUN
fsr-3444	75	6	household	household	NOUN
fsr-3444	75	7	consumption	consumption	NOUN
fsr-3444	75	8	and	and	CCONJ
fsr-3444	75	9	personal	personal	ADJ
fsr-3444	75	10	bankruptcy	bankruptcy	NOUN
fsr-3444	75	11	in	in	ADP
fsr-3444	75	12	delaware	delaware	PROPN
fsr-3444	75	13	using	use	VERB
fsr-3444	75	14	data	datum	NOUN
fsr-3444	75	15	from	from	ADP
fsr-3444	75	16	2003	2003	NUM
fsr-3444	75	17	.	.	PUNCT
fsr-3444	76	1	she	she	PRON
fsr-3444	76	2	finds	find	VERB
fsr-3444	76	3	that	that	SCONJ
fsr-3444	76	4	household	household	NOUN
fsr-3444	76	5	expenditures	expenditure	NOUN
fsr-3444	76	6	on	on	ADP
fsr-3444	76	7	durable	durable	ADJ
fsr-3444	76	8	consumption	consumption	NOUN
fsr-3444	76	9	goods	good	NOUN
fsr-3444	76	10	,	,	PUNCT
fsr-3444	76	11	such	such	ADJ
fsr-3444	76	12	as	as	ADP
fsr-3444	76	13	houses	house	NOUN
fsr-3444	76	14	and	and	CCONJ
fsr-3444	76	15	automobiles	automobile	NOUN
fsr-3444	76	16	,	,	PUNCT
fsr-3444	76	17	contribute	contribute	VERB
fsr-3444	76	18	significantly	significantly	ADV
fsr-3444	76	19	to	to	ADP
fsr-3444	76	20	personal	personal	ADJ
fsr-3444	76	21	bankruptcy	bankruptcy	NOUN
fsr-3444	76	22	filings	filing	NOUN
fsr-3444	76	23	.	.	PUNCT
fsr-3444	77	1	also	also	ADV
fsr-3444	77	2	,	,	PUNCT
fsr-3444	77	3	medical	medical	ADJ
fsr-3444	77	4	conditions	condition	NOUN
fsr-3444	77	5	lead	lead	VERB
fsr-3444	77	6	not	not	PART
fsr-3444	77	7	only	only	ADV
fsr-3444	77	8	to	to	ADP
fsr-3444	77	9	personal	personal	ADJ
fsr-3444	77	10	bankruptcy	bankruptcy	NOUN
fsr-3444	77	11	filings	filing	NOUN
fsr-3444	77	12	,	,	PUNCT
fsr-3444	77	13	but	but	CCONJ
fsr-3444	77	14	to	to	ADP
fsr-3444	77	15	other	other	ADJ
fsr-3444	77	16	adverse	adverse	ADJ
fsr-3444	77	17	events	event	NOUN
fsr-3444	77	18	,	,	PUNCT
fsr-3444	77	19	such	such	ADJ
fsr-3444	77	20	as	as	ADP
fsr-3444	77	21	divorce	divorce	NOUN
fsr-3444	77	22	and	and	CCONJ
fsr-3444	77	23	unemployment	unemployment	NOUN
fsr-3444	77	24	.	.	PUNCT
fsr-3444	78	1	williams	williams	PROPN
fsr-3444	78	2	,	,	PUNCT
fsr-3444	78	3	kehiaian	kehiaian	NOUN
fsr-3444	78	4	,	,	PUNCT
fsr-3444	78	5	and	and	CCONJ
fsr-3444	78	6	bird	bird	NOUN
fsr-3444	78	7	(	(	PUNCT
fsr-3444	78	8	2017	2017	NUM
fsr-3444	78	9	)	)	PUNCT
fsr-3444	78	10	find	find	VERB
fsr-3444	78	11	significant	significant	ADJ
fsr-3444	78	12	differences	difference	NOUN
fsr-3444	78	13	in	in	ADP
fsr-3444	78	14	financial	financial	ADJ
fsr-3444	78	15	actions	action	NOUN
fsr-3444	78	16	between	between	ADP
fsr-3444	78	17	chapter	chapter	NOUN
fsr-3444	78	18	13	13	NUM
fsr-3444	78	19	bankruptcy	bankruptcy	NOUN
fsr-3444	78	20	filers	filer	NOUN
fsr-3444	78	21	and	and	CCONJ
fsr-3444	78	22	non	non	NOUN
fsr-3444	78	23	-	-	NOUN
fsr-3444	78	24	filers	filer	NOUN
fsr-3444	78	25	.	.	PUNCT
fsr-3444	79	1	non	non	NOUN
fsr-3444	79	2	-	-	NOUN
fsr-3444	79	3	filers	filer	NOUN
fsr-3444	79	4	do	do	AUX
fsr-3444	79	5	the	the	DET
fsr-3444	79	6	following	follow	VERB
fsr-3444	79	7	significantly	significantly	ADV
fsr-3444	79	8	more	more	ADV
fsr-3444	79	9	often	often	ADV
fsr-3444	79	10	than	than	ADP
fsr-3444	79	11	filers	filer	NOUN
fsr-3444	79	12	:	:	PUNCT
fsr-3444	79	13	pay	pay	VERB
fsr-3444	79	14	their	their	PRON
fsr-3444	79	15	bills	bill	NOUN
fsr-3444	79	16	on	on	ADP
fsr-3444	79	17	time	time	NOUN
fsr-3444	79	18	;	;	PUNCT
fsr-3444	79	19	avoid	avoid	VERB
fsr-3444	79	20	living	live	VERB
fsr-3444	79	21	paycheck	paycheck	NOUN
fsr-3444	79	22	-	-	PUNCT
fsr-3444	79	23	to	to	ADP
fsr-3444	79	24	-	-	PUNCT
fsr-3444	79	25	paycheck	paycheck	NOUN
fsr-3444	79	26	;	;	PUNCT
fsr-3444	79	27	review	review	VERB
fsr-3444	79	28	their	their	PRON
fsr-3444	79	29	credit	credit	NOUN
fsr-3444	79	30	more	more	ADV
fsr-3444	79	31	frequently	frequently	ADV
fsr-3444	79	32	per	per	ADP
fsr-3444	79	33	year	year	NOUN
fsr-3444	79	34	;	;	PUNCT
fsr-3444	79	35	pay	pay	VERB
fsr-3444	79	36	more	more	ADJ
fsr-3444	79	37	than	than	ADP
fsr-3444	79	38	the	the	DET
fsr-3444	79	39	minimum	minimum	NOUN
fsr-3444	79	40	on	on	ADP
fsr-3444	79	41	their	their	PRON
fsr-3444	79	42	credit	credit	NOUN
fsr-3444	79	43	card	card	NOUN
fsr-3444	79	44	;	;	PUNCT
fsr-3444	79	45	save	save	VERB
fsr-3444	79	46	money	money	NOUN
fsr-3444	79	47	to	to	PART
fsr-3444	79	48	prepare	prepare	VERB
fsr-3444	79	49	for	for	ADP
fsr-3444	79	50	home	home	NOUN
fsr-3444	79	51	ownership	ownership	NOUN
fsr-3444	79	52	;	;	PUNCT
fsr-3444	79	53	track	track	VERB
fsr-3444	79	54	their	their	PRON
fsr-3444	79	55	expenses	expense	NOUN
fsr-3444	79	56	before	before	ADP
fsr-3444	79	57	budgeting	budgeting	NOUN
fsr-3444	79	58	;	;	PUNCT
fsr-3444	79	59	review	review	VERB
fsr-3444	79	60	their	their	PRON
fsr-3444	79	61	total	total	ADJ
fsr-3444	79	62	financial	financial	ADJ
fsr-3444	79	63	situation	situation	NOUN
fsr-3444	79	64	;	;	PUNCT
fsr-3444	79	65	use	use	VERB
fsr-3444	79	66	cash	cash	NOUN
fsr-3444	79	67	for	for	ADP
fsr-3444	79	68	all	all	DET
fsr-3444	79	69	purchases	purchase	NOUN
fsr-3444	79	70	;	;	PUNCT
fsr-3444	79	71	evaluate	evaluate	VERB
fsr-3444	79	72	their	their	PRON
fsr-3444	79	73	insurance	insurance	NOUN
fsr-3444	79	74	needs	need	NOUN
fsr-3444	79	75	;	;	PUNCT
fsr-3444	79	76	understand	understand	VERB
fsr-3444	79	77	the	the	DET
fsr-3444	79	78	true	true	ADJ
fsr-3444	79	79	cost	cost	NOUN
fsr-3444	79	80	of	of	ADP
fsr-3444	79	81	credit	credit	NOUN
fsr-3444	79	82	;	;	PUNCT
fsr-3444	79	83	and	and	CCONJ
fsr-3444	79	84	have	have	VERB
fsr-3444	79	85	more	more	ADJ
fsr-3444	79	86	knowledge	knowledge	NOUN
fsr-3444	79	87	of	of	ADP
fsr-3444	79	88	the	the	DET
fsr-3444	79	89	components	component	NOUN
fsr-3444	79	90	that	that	PRON
fsr-3444	79	91	make	make	VERB
fsr-3444	79	92	up	up	ADP
fsr-3444	79	93	their	their	PRON
fsr-3444	79	94	credit	credit	NOUN
fsr-3444	79	95	score	score	NOUN
fsr-3444	79	96	.	.	PUNCT
fsr-3444	80	1	fisher	fisher	PROPN
fsr-3444	80	2	(	(	PUNCT
fsr-3444	80	3	2019	2019	NUM
fsr-3444	80	4	)	)	PUNCT
fsr-3444	80	5	finds	find	VERB
fsr-3444	80	6	that	that	SCONJ
fsr-3444	80	7	bankruptcy	bankruptcy	NOUN
fsr-3444	80	8	filers	filer	NOUN
fsr-3444	80	9	are	be	AUX
fsr-3444	80	10	middle	middle	ADJ
fsr-3444	80	11	income	income	NOUN
fsr-3444	80	12	,	,	PUNCT
fsr-3444	80	13	more	more	ADV
fsr-3444	80	14	likely	likely	ADJ
fsr-3444	80	15	to	to	PART
fsr-3444	80	16	be	be	AUX
fsr-3444	80	17	divorced	divorce	VERB
fsr-3444	80	18	,	,	PUNCT
fsr-3444	80	19	more	more	ADV
fsr-3444	80	20	likely	likely	ADJ
fsr-3444	80	21	to	to	PART
fsr-3444	80	22	be	be	AUX
fsr-3444	80	23	black	black	ADJ
fsr-3444	80	24	,	,	PUNCT
fsr-3444	80	25	more	more	ADV
fsr-3444	80	26	likely	likely	ADJ
fsr-3444	80	27	to	to	PART
fsr-3444	80	28	be	be	AUX
fsr-3444	80	29	veterans	veteran	NOUN
fsr-3444	80	30	,	,	PUNCT
fsr-3444	80	31	less	less	ADV
fsr-3444	80	32	likely	likely	ADJ
fsr-3444	80	33	to	to	PART
fsr-3444	80	34	be	be	AUX
fsr-3444	80	35	immigrants	immigrant	NOUN
fsr-3444	80	36	,	,	PUNCT
fsr-3444	80	37	and	and	CCONJ
fsr-3444	80	38	more	more	ADV
fsr-3444	80	39	likely	likely	ADJ
fsr-3444	80	40	to	to	PART
fsr-3444	80	41	have	have	VERB
fsr-3444	80	42	only	only	ADV
fsr-3444	80	43	a	a	DET
fsr-3444	80	44	high	high	ADJ
fsr-3444	80	45	school	school	NOUN
fsr-3444	80	46	degree	degree	NOUN
fsr-3444	80	47	or	or	CCONJ
fsr-3444	80	48	some	some	DET
fsr-3444	80	49	college	college	NOUN
fsr-3444	80	50	education	education	NOUN
fsr-3444	80	51	.	.	PUNCT
fsr-3444	81	1	filers	filer	NOUN
fsr-3444	81	2	are	be	AUX
fsr-3444	81	3	more	more	ADV
fsr-3444	81	4	likely	likely	ADJ
fsr-3444	81	5	to	to	PART
fsr-3444	81	6	be	be	AUX
fsr-3444	81	7	employed	employ	VERB
fsr-3444	81	8	.	.	PUNCT
fsr-3444	82	1	the	the	DET
fsr-3444	82	2	bankruptcy	bankruptcy	NOUN
fsr-3444	82	3	population	population	NOUN
fsr-3444	82	4	is	be	AUX
fsr-3444	82	5	aging	age	VERB
fsr-3444	82	6	faster	fast	ADV
fsr-3444	82	7	than	than	ADP
fsr-3444	82	8	the	the	DET
fsr-3444	82	9	u.s	u.s	PROPN
fsr-3444	82	10	.	.	PROPN
fsr-3444	82	11	population	population	NOUN
fsr-3444	82	12	as	as	ADP
fsr-3444	82	13	a	a	DET
fsr-3444	82	14	whole	whole	NOUN
fsr-3444	82	15	.	.	PUNCT
fsr-3444	83	1	individuals	individual	NOUN
fsr-3444	83	2	are	be	AUX
fsr-3444	83	3	likely	likely	ADJ
fsr-3444	83	4	to	to	PART
fsr-3444	83	5	get	get	AUX
fsr-3444	83	6	divorced	divorce	VERB
fsr-3444	83	7	in	in	ADP
fsr-3444	83	8	the	the	DET
fsr-3444	83	9	years	year	NOUN
fsr-3444	83	10	before	before	ADP
fsr-3444	83	11	bankruptcy	bankruptcy	NOUN
fsr-3444	83	12	and	and	CCONJ
fsr-3444	83	13	then	then	ADV
fsr-3444	83	14	remarry	remarry	VERB
fsr-3444	83	15	.	.	PUNCT
fsr-3444	84	1	he	he	PRON
fsr-3444	84	2	also	also	ADV
fsr-3444	84	3	finds	find	VERB
fsr-3444	84	4	that	that	SCONJ
fsr-3444	84	5	income	income	NOUN
fsr-3444	84	6	falls	fall	VERB
fsr-3444	84	7	before	before	ADP
fsr-3444	84	8	bankruptcy	bankruptcy	NOUN
fsr-3444	84	9	and	and	CCONJ
fsr-3444	84	10	rises	rise	VERB
fsr-3444	84	11	after	after	ADP
fsr-3444	84	12	bankruptcy	bankruptcy	NOUN
fsr-3444	84	13	.	.	PUNCT
fsr-3444	85	1	2.3.2	2.3.2	NUM
fsr-3444	85	2	.	.	PUNCT
fsr-3444	85	3	psychological	psychological	ADJ
fsr-3444	85	4	factors	factor	NOUN
fsr-3444	85	5	.	.	PUNCT
fsr-3444	86	1	danes	dane	NOUN
fsr-3444	86	2	,	,	PUNCT
fsr-3444	86	3	casas	casa	NOUN
fsr-3444	86	4	,	,	PUNCT
fsr-3444	86	5	and	and	CCONJ
fsr-3444	86	6	boyce	boyce	PROPN
fsr-3444	86	7	(	(	PUNCT
fsr-3444	86	8	1999	1999	NUM
fsr-3444	86	9	)	)	PUNCT
fsr-3444	86	10	study	study	VERB
fsr-3444	86	11	the	the	DET
fsr-3444	86	12	impact	impact	NOUN
fsr-3444	86	13	of	of	ADP
fsr-3444	86	14	a	a	DET
fsr-3444	86	15	financial	financial	ADJ
fsr-3444	86	16	planning	planning	NOUN
fsr-3444	86	17	curriculum	curriculum	NOUN
fsr-3444	86	18	on	on	ADP
fsr-3444	86	19	self	self	NOUN
fsr-3444	86	20	-	-	PUNCT
fsr-3444	86	21	efficacy	efficacy	NOUN
fsr-3444	86	22	and	and	CCONJ
fsr-3444	86	23	find	find	VERB
fsr-3444	86	24	a	a	DET
fsr-3444	86	25	significant	significant	ADJ
fsr-3444	86	26	increase	increase	NOUN
fsr-3444	86	27	in	in	ADP
fsr-3444	86	28	confidence	confidence	NOUN
fsr-3444	86	29	in	in	ADP
fsr-3444	86	30	managing	manage	VERB
fsr-3444	86	31	money	money	NOUN
fsr-3444	86	32	after	after	ADP
fsr-3444	86	33	taking	take	VERB
fsr-3444	86	34	the	the	DET
fsr-3444	86	35	curriculum	curriculum	NOUN
fsr-3444	86	36	.	.	PUNCT
fsr-3444	87	1	asaad	asaad	PROPN
fsr-3444	87	2	(	(	PUNCT
fsr-3444	87	3	2015	2015	NUM
fsr-3444	87	4	)	)	PUNCT
fsr-3444	87	5	finds	find	VERB
fsr-3444	87	6	that	that	SCONJ
fsr-3444	87	7	financial	financial	ADJ
fsr-3444	87	8	confidence	confidence	NOUN
fsr-3444	87	9	is	be	AUX
fsr-3444	87	10	a	a	DET
fsr-3444	87	11	critical	critical	ADJ
fsr-3444	87	12	component	component	NOUN
fsr-3444	87	13	of	of	ADP
fsr-3444	87	14	financial	financial	ADJ
fsr-3444	87	15	literacy	literacy	NOUN
fsr-3444	87	16	and	and	CCONJ
fsr-3444	87	17	financial	financial	ADJ
fsr-3444	87	18	behavior	behavior	NOUN
fsr-3444	87	19	.	.	PUNCT
fsr-3444	88	1	70	70	NUM
fsr-3444	88	2	s.	s.	PROPN
fsr-3444	88	3	e.	e.	PROPN
fsr-3444	88	4	kehiaian	kehiaian	PROPN
fsr-3444	88	5	et	et	PROPN
fsr-3444	88	6	al	al	PROPN
fsr-3444	88	7	.	.	PUNCT
fsr-3444	88	8	/	/	SYM
fsr-3444	88	9	financial	financial	ADJ
fsr-3444	88	10	services	service	NOUN
fsr-3444	88	11	review	review	VERB
fsr-3444	88	12	29	29	NUM
fsr-3444	88	13	(	(	PUNCT
fsr-3444	88	14	2021	2021	NUM
fsr-3444	88	15	)	)	PUNCT
fsr-3444	89	1	67–84	67–84	PROPN
fsr-3444	89	2	perry	perry	NOUN
fsr-3444	89	3	and	and	CCONJ
fsr-3444	89	4	morris	morris	PROPN
fsr-3444	89	5	(	(	PUNCT
fsr-3444	89	6	2005	2005	NUM
fsr-3444	89	7	)	)	PUNCT
fsr-3444	89	8	find	find	VERB
fsr-3444	89	9	that	that	SCONJ
fsr-3444	89	10	locus	locus	NOUN
fsr-3444	89	11	of	of	ADP
fsr-3444	89	12	control	control	NOUN
fsr-3444	89	13	impacts	impact	VERB
fsr-3444	89	14	financial	financial	ADJ
fsr-3444	89	15	decisions	decision	NOUN
fsr-3444	89	16	.	.	PUNCT
fsr-3444	90	1	they	they	PRON
fsr-3444	90	2	find	find	VERB
fsr-3444	90	3	that	that	SCONJ
fsr-3444	90	4	consumers	consumer	NOUN
fsr-3444	90	5	’	’	PART
fsr-3444	90	6	propensity	propensity	NOUN
fsr-3444	90	7	to	to	PART
fsr-3444	90	8	save	save	VERB
fsr-3444	90	9	,	,	PUNCT
fsr-3444	90	10	budget	budget	NOUN
fsr-3444	90	11	,	,	PUNCT
fsr-3444	90	12	and	and	CCONJ
fsr-3444	90	13	control	control	NOUN
fsr-3444	90	14	spending	spending	NOUN
fsr-3444	90	15	depends	depend	VERB
fsr-3444	90	16	partly	partly	ADV
fsr-3444	90	17	on	on	ADP
fsr-3444	90	18	their	their	PRON
fsr-3444	90	19	level	level	NOUN
fsr-3444	90	20	of	of	ADP
fsr-3444	90	21	perceived	perceive	VERB
fsr-3444	90	22	control	control	NOUN
fsr-3444	90	23	over	over	ADP
fsr-3444	90	24	financial	financial	ADJ
fsr-3444	90	25	outcomes	outcome	NOUN
fsr-3444	90	26	.	.	PUNCT
fsr-3444	91	1	miotto	miotto	PROPN
fsr-3444	91	2	and	and	CCONJ
fsr-3444	91	3	parente	parente	PROPN
fsr-3444	91	4	(	(	PUNCT
fsr-3444	91	5	2015	2015	NUM
fsr-3444	91	6	)	)	PUNCT
fsr-3444	91	7	study	study	VERB
fsr-3444	91	8	the	the	DET
fsr-3444	91	9	level	level	NOUN
fsr-3444	91	10	of	of	ADP
fsr-3444	91	11	control	control	NOUN
fsr-3444	91	12	in	in	ADP
fsr-3444	91	13	brazilian	brazilian	ADJ
fsr-3444	91	14	households	household	NOUN
fsr-3444	91	15	and	and	CCONJ
fsr-3444	91	16	find	find	VERB
fsr-3444	91	17	that	that	SCONJ
fsr-3444	91	18	different	different	ADJ
fsr-3444	91	19	levels	level	NOUN
fsr-3444	91	20	of	of	ADP
fsr-3444	91	21	control	control	NOUN
fsr-3444	91	22	are	be	AUX
fsr-3444	91	23	linked	link	VERB
fsr-3444	91	24	to	to	ADP
fsr-3444	91	25	various	various	ADJ
fsr-3444	91	26	levels	level	NOUN
fsr-3444	91	27	of	of	ADP
fsr-3444	91	28	exercising	exercise	VERB
fsr-3444	91	29	discipline	discipline	NOUN
fsr-3444	91	30	in	in	ADP
fsr-3444	91	31	their	their	PRON
fsr-3444	91	32	spending	spending	NOUN
fsr-3444	91	33	habits	habit	NOUN
fsr-3444	91	34	.	.	PUNCT
fsr-3444	92	1	in	in	ADP
fsr-3444	92	2	summary	summary	NOUN
fsr-3444	92	3	,	,	PUNCT
fsr-3444	92	4	these	these	DET
fsr-3444	92	5	studies	study	NOUN
fsr-3444	92	6	have	have	AUX
fsr-3444	92	7	found	find	VERB
fsr-3444	92	8	several	several	ADJ
fsr-3444	92	9	demographic	demographic	ADJ
fsr-3444	92	10	,	,	PUNCT
fsr-3444	92	11	and	and	CCONJ
fsr-3444	92	12	financial	financial	ADJ
fsr-3444	92	13	variables	variable	NOUN
fsr-3444	92	14	related	relate	VERB
fsr-3444	92	15	to	to	ADP
fsr-3444	92	16	bankruptcy	bankruptcy	NOUN
fsr-3444	92	17	.	.	PUNCT
fsr-3444	93	1	research	research	NOUN
fsr-3444	93	2	on	on	ADP
fsr-3444	93	3	psychological	psychological	ADJ
fsr-3444	93	4	variables	variable	NOUN
fsr-3444	93	5	and	and	CCONJ
fsr-3444	93	6	bankruptcy	bankruptcy	NOUN
fsr-3444	93	7	are	be	AUX
fsr-3444	93	8	not	not	PART
fsr-3444	93	9	seen	see	VERB
fsr-3444	93	10	in	in	ADP
fsr-3444	93	11	the	the	DET
fsr-3444	93	12	literature	literature	NOUN
fsr-3444	93	13	.	.	PUNCT
fsr-3444	94	1	3	3	X
fsr-3444	94	2	.	.	X
fsr-3444	94	3	data	datum	NOUN
fsr-3444	94	4	and	and	CCONJ
fsr-3444	94	5	methodology	methodology	NOUN
fsr-3444	94	6	3.1	3.1	NUM
fsr-3444	94	7	.	.	PUNCT
fsr-3444	95	1	data	datum	NOUN
fsr-3444	95	2	and	and	CCONJ
fsr-3444	95	3	sample	sample	NOUN
fsr-3444	95	4	selection	selection	NOUN
fsr-3444	95	5	primary	primary	ADJ
fsr-3444	95	6	data	datum	NOUN
fsr-3444	95	7	are	be	AUX
fsr-3444	95	8	collected	collect	VERB
fsr-3444	95	9	in	in	ADP
fsr-3444	95	10	the	the	DET
fsr-3444	95	11	middle	middle	ADJ
fsr-3444	95	12	district	district	PROPN
fsr-3444	95	13	of	of	ADP
fsr-3444	95	14	north	north	PROPN
fsr-3444	95	15	carolina	carolina	PROPN
fsr-3444	95	16	(	(	PUNCT
fsr-3444	95	17	nc	nc	PROPN
fsr-3444	95	18	)	)	PUNCT
fsr-3444	95	19	and	and	CCONJ
fsr-3444	95	20	include	include	VERB
fsr-3444	95	21	the	the	DET
fsr-3444	95	22	cities	city	NOUN
fsr-3444	95	23	of	of	ADP
fsr-3444	95	24	winston	winston	PROPN
fsr-3444	95	25	-	-	PUNCT
fsr-3444	95	26	salem	salem	PROPN
fsr-3444	95	27	,	,	PUNCT
fsr-3444	95	28	greensboro	greensboro	PROPN
fsr-3444	95	29	,	,	PUNCT
fsr-3444	95	30	and	and	CCONJ
fsr-3444	95	31	durham	durham	PROPN
fsr-3444	95	32	.	.	PUNCT
fsr-3444	96	1	the	the	DET
fsr-3444	96	2	sample	sample	NOUN
fsr-3444	96	3	has	have	VERB
fsr-3444	96	4	559	559	NUM
fsr-3444	96	5	participants	participant	NOUN
fsr-3444	96	6	,	,	PUNCT
fsr-3444	96	7	with	with	ADP
fsr-3444	96	8	314	314	NUM
fsr-3444	96	9	chapter	chapter	NOUN
fsr-3444	96	10	13	13	NUM
fsr-3444	96	11	filers	filer	NOUN
fsr-3444	96	12	and	and	CCONJ
fsr-3444	96	13	245	245	NUM
fsr-3444	96	14	non	non	NOUN
fsr-3444	96	15	-	-	NOUN
fsr-3444	96	16	filers	filer	NOUN
fsr-3444	96	17	.	.	PUNCT
fsr-3444	97	1	the	the	DET
fsr-3444	97	2	sample	sample	NOUN
fsr-3444	97	3	of	of	ADP
fsr-3444	97	4	chapter	chapter	NOUN
fsr-3444	97	5	13	13	NUM
fsr-3444	97	6	filers	filer	NOUN
fsr-3444	97	7	is	be	AUX
fsr-3444	97	8	collected	collect	VERB
fsr-3444	97	9	by	by	ADP
fsr-3444	97	10	one	one	NUM
fsr-3444	97	11	of	of	ADP
fsr-3444	97	12	the	the	DET
fsr-3444	97	13	authors	author	NOUN
fsr-3444	97	14	,	,	PUNCT
fsr-3444	97	15	who	who	PRON
fsr-3444	97	16	is	be	AUX
fsr-3444	97	17	an	an	DET
fsr-3444	97	18	experienced	experienced	ADJ
fsr-3444	97	19	trainer	trainer	NOUN
fsr-3444	97	20	of	of	ADP
fsr-3444	97	21	chapter	chapter	NOUN
fsr-3444	97	22	13	13	NUM
fsr-3444	97	23	bankruptcy	bankruptcy	NOUN
fsr-3444	97	24	filers	filer	NOUN
fsr-3444	97	25	in	in	ADP
fsr-3444	97	26	north	north	PROPN
fsr-3444	97	27	carolina	carolina	PROPN
fsr-3444	97	28	.	.	PUNCT
fsr-3444	98	1	he	he	PRON
fsr-3444	98	2	asks	ask	VERB
fsr-3444	98	3	the	the	DET
fsr-3444	98	4	filers	filer	NOUN
fsr-3444	98	5	to	to	PART
fsr-3444	98	6	complete	complete	VERB
fsr-3444	98	7	the	the	DET
fsr-3444	98	8	financial	financial	ADJ
fsr-3444	98	9	literacy	literacy	NOUN
fsr-3444	98	10	quiz	quiz	NOUN
fsr-3444	98	11	and	and	CCONJ
fsr-3444	98	12	the	the	DET
fsr-3444	98	13	questionnaire	questionnaire	NOUN
fsr-3444	98	14	at	at	ADP
fsr-3444	98	15	the	the	DET
fsr-3444	98	16	beginning	beginning	NOUN
fsr-3444	98	17	of	of	ADP
fsr-3444	98	18	the	the	DET
fsr-3444	98	19	training	training	NOUN
fsr-3444	98	20	sessions	session	NOUN
fsr-3444	98	21	.	.	PUNCT
fsr-3444	99	1	this	this	PRON
fsr-3444	99	2	is	be	AUX
fsr-3444	99	3	done	do	VERB
fsr-3444	99	4	voluntarily	voluntarily	ADV
fsr-3444	99	5	.	.	PUNCT
fsr-3444	100	1	the	the	DET
fsr-3444	100	2	data	datum	NOUN
fsr-3444	100	3	on	on	ADP
fsr-3444	100	4	filers	filer	NOUN
fsr-3444	100	5	are	be	AUX
fsr-3444	100	6	collected	collect	VERB
fsr-3444	100	7	based	base	VERB
fsr-3444	100	8	on	on	ADP
fsr-3444	100	9	convenience	convenience	NOUN
fsr-3444	100	10	sampling	sampling	NOUN
fsr-3444	100	11	.	.	PUNCT
fsr-3444	101	1	however	however	ADV
fsr-3444	101	2	,	,	PUNCT
fsr-3444	101	3	we	we	PRON
fsr-3444	101	4	are	be	AUX
fsr-3444	101	5	confident	confident	ADJ
fsr-3444	101	6	that	that	SCONJ
fsr-3444	101	7	the	the	DET
fsr-3444	101	8	data	datum	NOUN
fsr-3444	101	9	represent	represent	VERB
fsr-3444	101	10	the	the	DET
fsr-3444	101	11	filers	filer	NOUN
fsr-3444	101	12	adequately	adequately	ADV
fsr-3444	101	13	.	.	PUNCT
fsr-3444	102	1	we	we	PRON
fsr-3444	102	2	compare	compare	VERB
fsr-3444	102	3	the	the	DET
fsr-3444	102	4	sample	sample	NOUN
fsr-3444	102	5	with	with	ADP
fsr-3444	102	6	the	the	DET
fsr-3444	102	7	population	population	NOUN
fsr-3444	102	8	.	.	PUNCT
fsr-3444	103	1	in	in	ADP
fsr-3444	103	2	terms	term	NOUN
fsr-3444	103	3	of	of	ADP
fsr-3444	103	4	race	race	NOUN
fsr-3444	103	5	,	,	PUNCT
fsr-3444	103	6	our	our	PRON
fsr-3444	103	7	sample	sample	NOUN
fsr-3444	103	8	of	of	ADP
fsr-3444	103	9	filers	filer	NOUN
fsr-3444	103	10	and	and	CCONJ
fsr-3444	103	11	non	non	NOUN
fsr-3444	103	12	-	-	NOUN
fsr-3444	103	13	filers	filer	NOUN
fsr-3444	103	14	has	have	VERB
fsr-3444	103	15	55	55	NUM
fsr-3444	103	16	%	%	NOUN
fsr-3444	103	17	whites	white	NOUN
fsr-3444	103	18	and	and	CCONJ
fsr-3444	103	19	40	40	NUM
fsr-3444	103	20	%	%	NOUN
fsr-3444	103	21	blacks	black	NOUN
fsr-3444	103	22	.	.	PUNCT
fsr-3444	104	1	winston	winston	PROPN
fsr-3444	104	2	-	-	PUNCT
fsr-3444	104	3	salem	salem	PROPN
fsr-3444	104	4	has	have	VERB
fsr-3444	104	5	56.3	56.3	NUM
fsr-3444	104	6	%	%	NOUN
fsr-3444	104	7	whites	white	NOUN
fsr-3444	104	8	and	and	CCONJ
fsr-3444	104	9	34.8	34.8	NUM
fsr-3444	104	10	%	%	NOUN
fsr-3444	104	11	blacks	black	NOUN
fsr-3444	104	12	;	;	PUNCT
fsr-3444	104	13	durham	durham	PROPN
fsr-3444	104	14	has	have	VERB
fsr-3444	104	15	50.91	50.91	NUM
fsr-3444	104	16	%	%	NOUN
fsr-3444	104	17	whites	white	NOUN
fsr-3444	104	18	,	,	PUNCT
fsr-3444	104	19	and	and	CCONJ
fsr-3444	104	20	39.46	39.46	NUM
fsr-3444	104	21	%	%	NOUN
fsr-3444	104	22	blacks	black	NOUN
fsr-3444	104	23	;	;	PUNCT
fsr-3444	104	24	and	and	CCONJ
fsr-3444	104	25	greensboro	greensboro	PROPN
fsr-3444	104	26	has	have	VERB
fsr-3444	104	27	57.03	57.03	NUM
fsr-3444	104	28	%	%	NOUN
fsr-3444	104	29	whites	white	NOUN
fsr-3444	104	30	and	and	CCONJ
fsr-3444	104	31	36.03	36.03	NUM
fsr-3444	104	32	%	%	NOUN
fsr-3444	104	33	blacks	black	NOUN
fsr-3444	104	34	(	(	PUNCT
fsr-3444	104	35	https://www	https://www	PROPN
fsr-3444	104	36	.	.	PUNCT
fsr-3444	105	1	census.gov/quickfacts/fact/table/	census.gov/quickfacts/fact/table/	PROPN
fsr-3444	105	2	)	)	PUNCT
fsr-3444	105	3	.	.	PUNCT
fsr-3444	106	1	in	in	ADP
fsr-3444	106	2	terms	term	NOUN
fsr-3444	106	3	of	of	ADP
fsr-3444	106	4	education	education	NOUN
fsr-3444	106	5	,	,	PUNCT
fsr-3444	106	6	both	both	CCONJ
fsr-3444	106	7	filers	filer	NOUN
fsr-3444	106	8	and	and	CCONJ
fsr-3444	106	9	non	non	NOUN
fsr-3444	106	10	-	-	NOUN
fsr-3444	106	11	filers	filer	NOUN
fsr-3444	106	12	have	have	VERB
fsr-3444	106	13	high	high	ADJ
fsr-3444	106	14	levels	level	NOUN
fsr-3444	106	15	of	of	ADP
fsr-3444	106	16	education	education	NOUN
fsr-3444	106	17	above	above	ADP
fsr-3444	106	18	high	high	ADJ
fsr-3444	106	19	school	school	NOUN
fsr-3444	106	20	(	(	PUNCT
fsr-3444	106	21	94.6	94.6	NUM
fsr-3444	106	22	%	%	NOUN
fsr-3444	106	23	,	,	PUNCT
fsr-3444	106	24	and	and	CCONJ
fsr-3444	106	25	97.6	97.6	NUM
fsr-3444	106	26	%	%	NOUN
fsr-3444	106	27	,	,	PUNCT
fsr-3444	106	28	respectively	respectively	ADV
fsr-3444	106	29	)	)	PUNCT
fsr-3444	106	30	with	with	ADP
fsr-3444	106	31	the	the	DET
fsr-3444	106	32	state	state	NOUN
fsr-3444	106	33	having	have	VERB
fsr-3444	106	34	88.2	88.2	NUM
fsr-3444	106	35	%	%	NOUN
fsr-3444	106	36	.	.	PUNCT
fsr-3444	107	1	as	as	ADP
fsr-3444	107	2	important	important	ADJ
fsr-3444	107	3	,	,	PUNCT
fsr-3444	107	4	the	the	DET
fsr-3444	107	5	bankruptcy	bankruptcy	NOUN
fsr-3444	107	6	administration	administration	NOUN
fsr-3444	107	7	enrolls	enroll	VERB
fsr-3444	107	8	filers	filer	NOUN
fsr-3444	107	9	in	in	ADP
fsr-3444	107	10	the	the	DET
fsr-3444	107	11	financial	financial	ADJ
fsr-3444	107	12	literacy	literacy	NOUN
fsr-3444	107	13	workshops	workshop	NOUN
fsr-3444	107	14	based	base	VERB
fsr-3444	107	15	on	on	ADP
fsr-3444	107	16	the	the	DET
fsr-3444	107	17	day	day	NOUN
fsr-3444	107	18	of	of	ADP
fsr-3444	107	19	their	their	PRON
fsr-3444	107	20	creditors	creditor	NOUN
fsr-3444	107	21	’	'	PUNCT
fsr-3444	107	22	meetings	meeting	NOUN
fsr-3444	107	23	.	.	PUNCT
fsr-3444	108	1	no	no	DET
fsr-3444	108	2	other	other	ADJ
fsr-3444	108	3	grouping	group	VERB
fsr-3444	108	4	criteria	criterion	NOUN
fsr-3444	108	5	,	,	PUNCT
fsr-3444	108	6	like	like	ADP
fsr-3444	108	7	age	age	NOUN
fsr-3444	108	8	,	,	PUNCT
fsr-3444	108	9	gender	gender	NOUN
fsr-3444	108	10	,	,	PUNCT
fsr-3444	108	11	or	or	CCONJ
fsr-3444	108	12	race	race	NOUN
fsr-3444	108	13	,	,	PUNCT
fsr-3444	108	14	are	be	AUX
fsr-3444	108	15	used	use	VERB
fsr-3444	108	16	.	.	PUNCT
fsr-3444	109	1	the	the	DET
fsr-3444	109	2	data	datum	NOUN
fsr-3444	109	3	for	for	ADP
fsr-3444	109	4	the	the	DET
fsr-3444	109	5	non	non	NOUN
fsr-3444	109	6	-	-	NOUN
fsr-3444	109	7	filers	filer	NOUN
fsr-3444	109	8	are	be	AUX
fsr-3444	109	9	also	also	ADV
fsr-3444	109	10	collected	collect	VERB
fsr-3444	109	11	by	by	ADP
fsr-3444	109	12	the	the	DET
fsr-3444	109	13	same	same	ADJ
fsr-3444	109	14	author	author	NOUN
fsr-3444	109	15	.	.	PUNCT
fsr-3444	110	1	he	he	PRON
fsr-3444	110	2	samples	sample	VERB
fsr-3444	110	3	a	a	DET
fsr-3444	110	4	wide	wide	ADJ
fsr-3444	110	5	cross	cross	NOUN
fsr-3444	110	6	section	section	NOUN
fsr-3444	110	7	of	of	ADP
fsr-3444	110	8	participants	participant	NOUN
fsr-3444	110	9	from	from	ADP
fsr-3444	110	10	the	the	DET
fsr-3444	110	11	same	same	ADJ
fsr-3444	110	12	area	area	NOUN
fsr-3444	110	13	.	.	PUNCT
fsr-3444	111	1	he	he	PRON
fsr-3444	111	2	uses	use	VERB
fsr-3444	111	3	an	an	DET
fsr-3444	111	4	online	online	ADJ
fsr-3444	111	5	survey	survey	NOUN
fsr-3444	111	6	created	create	VERB
fsr-3444	111	7	on	on	ADP
fsr-3444	111	8	survey	survey	NOUN
fsr-3444	111	9	monkey	monkey	NOUN
fsr-3444	111	10	.	.	PUNCT
fsr-3444	112	1	the	the	DET
fsr-3444	112	2	survey	survey	NOUN
fsr-3444	112	3	is	be	AUX
fsr-3444	112	4	advertised	advertise	VERB
fsr-3444	112	5	at	at	ADP
fsr-3444	112	6	various	various	ADJ
fsr-3444	112	7	cold	cold	ADJ
fsr-3444	112	8	stone	stone	NOUN
fsr-3444	112	9	creamery	creamery	NOUN
fsr-3444	112	10	stores	store	NOUN
fsr-3444	112	11	,	,	PUNCT
fsr-3444	112	12	and	and	CCONJ
fsr-3444	112	13	at	at	ADP
fsr-3444	112	14	steals	steal	NOUN
fsr-3444	112	15	and	and	CCONJ
fsr-3444	112	16	deals	deal	NOUN
fsr-3444	112	17	,	,	PUNCT
fsr-3444	112	18	an	an	DET
fsr-3444	112	19	online	online	ADJ
fsr-3444	112	20	advertising	advertising	NOUN
fsr-3444	112	21	firm	firm	NOUN
fsr-3444	112	22	selling	sell	VERB
fsr-3444	112	23	a	a	DET
fsr-3444	112	24	wide	wide	ADJ
fsr-3444	112	25	assortment	assortment	NOUN
fsr-3444	112	26	of	of	ADP
fsr-3444	112	27	goods	good	NOUN
fsr-3444	112	28	and	and	CCONJ
fsr-3444	112	29	services	service	NOUN
fsr-3444	112	30	,	,	PUNCT
fsr-3444	112	31	in	in	ADP
fsr-3444	112	32	the	the	DET
fsr-3444	112	33	middle	middle	ADJ
fsr-3444	112	34	district	district	PROPN
fsr-3444	112	35	of	of	ADP
fsr-3444	112	36	north	north	PROPN
fsr-3444	112	37	carolina	carolina	PROPN
fsr-3444	112	38	.	.	PUNCT
fsr-3444	113	1	this	this	DET
fsr-3444	113	2	publication	publication	NOUN
fsr-3444	113	3	is	be	AUX
fsr-3444	113	4	distributed	distribute	VERB
fsr-3444	113	5	widely	widely	ADV
fsr-3444	113	6	across	across	ADP
fsr-3444	113	7	the	the	DET
fsr-3444	113	8	region	region	NOUN
fsr-3444	113	9	studied	study	VERB
fsr-3444	113	10	.	.	PUNCT
fsr-3444	114	1	in	in	ADP
fsr-3444	114	2	addition	addition	NOUN
fsr-3444	114	3	,	,	PUNCT
fsr-3444	114	4	letters	letter	NOUN
fsr-3444	114	5	are	be	AUX
fsr-3444	114	6	sent	send	VERB
fsr-3444	114	7	to	to	ADP
fsr-3444	114	8	churches	church	NOUN
fsr-3444	114	9	,	,	PUNCT
fsr-3444	114	10	and	and	CCONJ
fsr-3444	114	11	schools	school	NOUN
fsr-3444	114	12	in	in	ADP
fsr-3444	114	13	the	the	DET
fsr-3444	114	14	region	region	NOUN
fsr-3444	114	15	.	.	PUNCT
fsr-3444	115	1	there	there	PRON
fsr-3444	115	2	are	be	VERB
fsr-3444	115	3	142	142	NUM
fsr-3444	115	4	non	non	NOUN
fsr-3444	115	5	-	-	NOUN
fsr-3444	115	6	filers	filer	NOUN
fsr-3444	115	7	who	who	PRON
fsr-3444	115	8	complete	complete	VERB
fsr-3444	115	9	the	the	DET
fsr-3444	115	10	survey	survey	NOUN
fsr-3444	115	11	online	online	ADV
fsr-3444	115	12	.	.	PUNCT
fsr-3444	116	1	the	the	DET
fsr-3444	116	2	remaining	remain	VERB
fsr-3444	116	3	non	non	NOUN
fsr-3444	116	4	-	-	ADJ
fsr-3444	116	5	filers	filer	NOUN
fsr-3444	116	6	include	include	VERB
fsr-3444	116	7	34	34	NUM
fsr-3444	116	8	from	from	ADP
fsr-3444	116	9	the	the	DET
fsr-3444	116	10	first	first	ADJ
fsr-3444	116	11	pentecostal	pentecostal	ADJ
fsr-3444	116	12	church	church	NOUN
fsr-3444	116	13	,	,	PUNCT
fsr-3444	116	14	33	33	NUM
fsr-3444	116	15	from	from	ADP
fsr-3444	116	16	the	the	DET
fsr-3444	116	17	cathedral	cathedral	NOUN
fsr-3444	116	18	of	of	ADP
fsr-3444	116	19	faith	faith	NOUN
fsr-3444	116	20	,	,	PUNCT
fsr-3444	116	21	20	20	NUM
fsr-3444	116	22	from	from	ADP
fsr-3444	116	23	the	the	DET
fsr-3444	116	24	neighbor	neighbor	NOUN
fsr-3444	116	25	’s	’s	PART
fsr-3444	116	26	grove	grove	PROPN
fsr-3444	116	27	school	school	PROPN
fsr-3444	116	28	,	,	PUNCT
fsr-3444	116	29	and	and	CCONJ
fsr-3444	116	30	17	17	NUM
fsr-3444	116	31	other	other	ADJ
fsr-3444	116	32	individuals	individual	NOUN
fsr-3444	116	33	,	,	PUNCT
fsr-3444	116	34	all	all	ADV
fsr-3444	116	35	from	from	ADP
fsr-3444	116	36	the	the	DET
fsr-3444	116	37	middle	middle	ADJ
fsr-3444	116	38	district	district	PROPN
fsr-3444	116	39	of	of	ADP
fsr-3444	116	40	nc	nc	PROPN
fsr-3444	116	41	.	.	PROPN
fsr-3444	117	1	those	those	DET
fsr-3444	117	2	non	non	NOUN
fsr-3444	117	3	-	-	NOUN
fsr-3444	117	4	filers	filer	NOUN
fsr-3444	117	5	who	who	PRON
fsr-3444	117	6	complete	complete	VERB
fsr-3444	117	7	the	the	DET
fsr-3444	117	8	survey	survey	NOUN
fsr-3444	117	9	receive	receive	VERB
fsr-3444	117	10	a	a	DET
fsr-3444	117	11	$	$	SYM
fsr-3444	117	12	15	15	NUM
fsr-3444	117	13	coupon	coupon	NOUN
fsr-3444	117	14	for	for	ADP
fsr-3444	117	15	cold	cold	ADJ
fsr-3444	117	16	stone	stone	NOUN
fsr-3444	117	17	creamery	creamery	NOUN
fsr-3444	117	18	and	and	CCONJ
fsr-3444	117	19	a	a	DET
fsr-3444	117	20	complimentary	complimentary	ADJ
fsr-3444	117	21	financial	financial	ADJ
fsr-3444	117	22	management	management	NOUN
fsr-3444	117	23	class	class	NOUN
fsr-3444	117	24	.	.	PUNCT
fsr-3444	118	1	the	the	DET
fsr-3444	118	2	data	datum	NOUN
fsr-3444	118	3	for	for	ADP
fsr-3444	118	4	non	non	NOUN
fsr-3444	118	5	-	-	ADJ
fsr-3444	118	6	filers	filer	NOUN
fsr-3444	118	7	are	be	AUX
fsr-3444	118	8	collected	collect	VERB
fsr-3444	118	9	across	across	ADP
fsr-3444	118	10	a	a	DET
fsr-3444	118	11	wide	wide	ADJ
fsr-3444	118	12	base	base	NOUN
fsr-3444	118	13	to	to	PART
fsr-3444	118	14	replicate	replicate	VERB
fsr-3444	118	15	the	the	DET
fsr-3444	118	16	population	population	NOUN
fsr-3444	118	17	.	.	PUNCT
fsr-3444	119	1	for	for	ADP
fsr-3444	119	2	example	example	NOUN
fsr-3444	119	3	,	,	PUNCT
fsr-3444	119	4	a	a	DET
fsr-3444	119	5	wide	wide	ADJ
fsr-3444	119	6	cross	cross	NOUN
fsr-3444	119	7	-	-	NOUN
fsr-3444	119	8	section	section	NOUN
fsr-3444	119	9	of	of	ADP
fsr-3444	119	10	the	the	DET
fsr-3444	119	11	population	population	NOUN
fsr-3444	119	12	uses	use	VERB
fsr-3444	119	13	the	the	DET
fsr-3444	119	14	steals	steal	NOUN
fsr-3444	119	15	and	and	CCONJ
fsr-3444	119	16	deals	deal	VERB
fsr-3444	119	17	online	online	ADJ
fsr-3444	119	18	advertising	advertising	NOUN
fsr-3444	119	19	publication	publication	NOUN
fsr-3444	119	20	.	.	PUNCT
fsr-3444	120	1	s.	s.	PROPN
fsr-3444	120	2	e.	e.	PROPN
fsr-3444	120	3	kehiaian	kehiaian	PROPN
fsr-3444	120	4	et	et	PROPN
fsr-3444	120	5	al	al	PROPN
fsr-3444	120	6	.	.	PUNCT
fsr-3444	120	7	/	/	SYM
fsr-3444	120	8	financial	financial	ADJ
fsr-3444	120	9	services	service	NOUN
fsr-3444	120	10	review	review	VERB
fsr-3444	120	11	29	29	NUM
fsr-3444	120	12	(	(	PUNCT
fsr-3444	120	13	2021	2021	NUM
fsr-3444	120	14	)	)	PUNCT
fsr-3444	120	15	67–84	67–84	NOUN
fsr-3444	120	16	71	71	NUM
fsr-3444	120	17	the	the	DET
fsr-3444	120	18	data	datum	NOUN
fsr-3444	120	19	collected	collect	VERB
fsr-3444	120	20	include	include	VERB
fsr-3444	120	21	two	two	NUM
fsr-3444	120	22	parts	part	NOUN
fsr-3444	120	23	:	:	PUNCT
fsr-3444	120	24	a	a	DET
fsr-3444	120	25	questionnaire	questionnaire	NOUN
fsr-3444	120	26	and	and	CCONJ
fsr-3444	120	27	a	a	DET
fsr-3444	120	28	financial	financial	ADJ
fsr-3444	120	29	literacy	literacy	NOUN
fsr-3444	120	30	quiz	quiz	NOUN
fsr-3444	120	31	.	.	PUNCT
fsr-3444	121	1	the	the	DET
fsr-3444	121	2	questionnaire	questionnaire	NOUN
fsr-3444	121	3	includes	include	VERB
fsr-3444	121	4	sections	section	NOUN
fsr-3444	121	5	for	for	ADP
fsr-3444	121	6	demographic	demographic	ADJ
fsr-3444	121	7	data	datum	NOUN
fsr-3444	121	8	,	,	PUNCT
fsr-3444	121	9	psychological	psychological	ADJ
fsr-3444	121	10	data	datum	NOUN
fsr-3444	121	11	,	,	PUNCT
fsr-3444	121	12	and	and	CCONJ
fsr-3444	121	13	financial	financial	ADJ
fsr-3444	121	14	data	datum	NOUN
fsr-3444	121	15	.	.	PUNCT
fsr-3444	122	1	the	the	DET
fsr-3444	122	2	variables	variable	NOUN
fsr-3444	122	3	in	in	ADP
fsr-3444	122	4	the	the	DET
fsr-3444	122	5	questionnaire	questionnaire	NOUN
fsr-3444	122	6	are	be	AUX
fsr-3444	122	7	measured	measure	VERB
fsr-3444	122	8	using	use	VERB
fsr-3444	122	9	ordinal	ordinal	ADJ
fsr-3444	122	10	or	or	CCONJ
fsr-3444	122	11	categorical	categorical	ADJ
fsr-3444	122	12	scales	scale	NOUN
fsr-3444	122	13	.	.	PUNCT
fsr-3444	123	1	a	a	DET
fsr-3444	123	2	likert	likert	ADJ
fsr-3444	123	3	scale	scale	NOUN
fsr-3444	123	4	(	(	PUNCT
fsr-3444	123	5	1	1	NUM
fsr-3444	123	6	=	=	SYM
fsr-3444	123	7	least	least	ADJ
fsr-3444	123	8	to	to	ADP
fsr-3444	123	9	5	5	NUM
fsr-3444	123	10	=	=	PRON
fsr-3444	123	11	most	most	ADV
fsr-3444	123	12	)	)	PUNCT
fsr-3444	123	13	is	be	AUX
fsr-3444	123	14	used	use	VERB
fsr-3444	123	15	for	for	ADP
fsr-3444	123	16	the	the	DET
fsr-3444	123	17	ordinal	ordinal	ADJ
fsr-3444	123	18	variables	variable	NOUN
fsr-3444	123	19	.	.	PUNCT
fsr-3444	124	1	the	the	DET
fsr-3444	124	2	financial	financial	ADJ
fsr-3444	124	3	literacy	literacy	NOUN
fsr-3444	124	4	quiz	quiz	NOUN
fsr-3444	124	5	includes	include	VERB
fsr-3444	124	6	63	63	NUM
fsr-3444	124	7	multiple	multiple	ADJ
fsr-3444	124	8	choice	choice	NOUN
fsr-3444	124	9	questions	question	NOUN
fsr-3444	124	10	on	on	ADP
fsr-3444	124	11	a	a	DET
fsr-3444	124	12	wide	wide	ADJ
fsr-3444	124	13	range	range	NOUN
fsr-3444	124	14	of	of	ADP
fsr-3444	124	15	personal	personal	ADJ
fsr-3444	124	16	finance	finance	NOUN
fsr-3444	124	17	topics	topic	NOUN
fsr-3444	124	18	.	.	PUNCT
fsr-3444	125	1	some	some	PRON
fsr-3444	125	2	of	of	ADP
fsr-3444	125	3	the	the	DET
fsr-3444	125	4	topics	topic	NOUN
fsr-3444	125	5	covered	cover	VERB
fsr-3444	125	6	include	include	VERB
fsr-3444	125	7	financial	financial	ADJ
fsr-3444	125	8	goals	goal	NOUN
fsr-3444	125	9	,	,	PUNCT
fsr-3444	125	10	credit	credit	NOUN
fsr-3444	125	11	card	card	NOUN
fsr-3444	125	12	usage	usage	NOUN
fsr-3444	125	13	,	,	PUNCT
fsr-3444	125	14	insurance	insurance	NOUN
fsr-3444	125	15	,	,	PUNCT
fsr-3444	125	16	rule	rule	NOUN
fsr-3444	125	17	of	of	ADP
fsr-3444	125	18	72	72	NUM
fsr-3444	125	19	,	,	PUNCT
fsr-3444	125	20	insurance	insurance	NOUN
fsr-3444	125	21	,	,	PUNCT
fsr-3444	125	22	and	and	CCONJ
fsr-3444	125	23	returns	return	NOUN
fsr-3444	125	24	on	on	ADP
fsr-3444	125	25	investments	investment	NOUN
fsr-3444	125	26	.	.	PUNCT
fsr-3444	126	1	the	the	DET
fsr-3444	126	2	questions	question	NOUN
fsr-3444	126	3	are	be	AUX
fsr-3444	126	4	basic	basic	ADJ
fsr-3444	126	5	financial	financial	ADJ
fsr-3444	126	6	literacy	literacy	NOUN
fsr-3444	126	7	questions	question	NOUN
fsr-3444	126	8	.	.	PUNCT
fsr-3444	127	1	the	the	DET
fsr-3444	127	2	score	score	NOUN
fsr-3444	127	3	received	receive	VERB
fsr-3444	127	4	on	on	ADP
fsr-3444	127	5	this	this	DET
fsr-3444	127	6	quiz	quiz	NOUN
fsr-3444	127	7	represents	represent	VERB
fsr-3444	127	8	the	the	DET
fsr-3444	127	9	level	level	NOUN
fsr-3444	127	10	of	of	ADP
fsr-3444	127	11	personal	personal	ADJ
fsr-3444	127	12	finance	finance	NOUN
fsr-3444	127	13	knowledge	knowledge	NOUN
fsr-3444	127	14	.	.	PUNCT
fsr-3444	128	1	both	both	PRON
fsr-3444	128	2	filers	filer	NOUN
fsr-3444	128	3	and	and	CCONJ
fsr-3444	128	4	non	non	ADJ
fsr-3444	128	5	-	-	ADJ
fsr-3444	128	6	filers	filer	NOUN
fsr-3444	128	7	take	take	VERB
fsr-3444	128	8	this	this	DET
fsr-3444	128	9	quiz	quiz	NOUN
fsr-3444	128	10	before	before	ADP
fsr-3444	128	11	the	the	DET
fsr-3444	128	12	financial	financial	ADJ
fsr-3444	128	13	literacy	literacy	NOUN
fsr-3444	128	14	class	class	NOUN
fsr-3444	128	15	.	.	PUNCT
fsr-3444	129	1	3.2	3.2	NUM
fsr-3444	129	2	.	.	PUNCT
fsr-3444	130	1	dependent	dependent	ADJ
fsr-3444	130	2	variable	variable	NOUN
fsr-3444	130	3	the	the	DET
fsr-3444	130	4	dependent	dependent	ADJ
fsr-3444	130	5	variable	variable	NOUN
fsr-3444	130	6	is	be	AUX
fsr-3444	130	7	filer	filer	NOUN
fsr-3444	130	8	/	/	SYM
fsr-3444	130	9	non	non	NOUN
fsr-3444	130	10	-	-	NOUN
fsr-3444	130	11	filer	filer	NOUN
fsr-3444	130	12	.	.	PUNCT
fsr-3444	131	1	it	it	PRON
fsr-3444	131	2	is	be	AUX
fsr-3444	131	3	binary	binary	ADJ
fsr-3444	131	4	,	,	PUNCT
fsr-3444	131	5	with	with	SCONJ
fsr-3444	131	6	a	a	DET
fsr-3444	131	7	filer	filer	NOUN
fsr-3444	131	8	coded	code	VERB
fsr-3444	131	9	as	as	ADP
fsr-3444	131	10	1	1	NUM
fsr-3444	131	11	and	and	CCONJ
fsr-3444	131	12	a	a	DET
fsr-3444	131	13	non	non	ADJ
fsr-3444	131	14	-	-	ADJ
fsr-3444	131	15	filer	filer	NOUN
fsr-3444	131	16	coded	code	VERB
fsr-3444	131	17	as	as	ADP
fsr-3444	131	18	0	0	NUM
fsr-3444	131	19	.	.	PROPN
fsr-3444	131	20	3.3	3.3	NUM
fsr-3444	131	21	.	.	PUNCT
fsr-3444	132	1	independent	independent	ADJ
fsr-3444	132	2	variables	variable	NOUN
fsr-3444	132	3	the	the	DET
fsr-3444	132	4	independent	independent	ADJ
fsr-3444	132	5	variables	variable	NOUN
fsr-3444	132	6	include	include	VERB
fsr-3444	132	7	17	17	NUM
fsr-3444	132	8	demographic	demographic	ADJ
fsr-3444	132	9	variables	variable	NOUN
fsr-3444	132	10	,	,	PUNCT
fsr-3444	132	11	15	15	NUM
fsr-3444	132	12	psychological	psychological	ADJ
fsr-3444	132	13	variables	variable	NOUN
fsr-3444	132	14	,	,	PUNCT
fsr-3444	132	15	and	and	CCONJ
fsr-3444	132	16	3	3	NUM
fsr-3444	132	17	finance	finance	NOUN
fsr-3444	132	18	variables	variable	NOUN
fsr-3444	132	19	.	.	PUNCT
fsr-3444	133	1	these	these	PRON
fsr-3444	133	2	are	be	AUX
fsr-3444	133	3	listed	list	VERB
fsr-3444	133	4	below	below	ADV
fsr-3444	133	5	.	.	PUNCT
fsr-3444	134	1	3.3.1	3.3.1	X
fsr-3444	134	2	.	.	PUNCT
fsr-3444	134	3	demographic	demographic	ADJ
fsr-3444	134	4	variables	variable	NOUN
fsr-3444	134	5	.	.	PUNCT
fsr-3444	135	1	the	the	DET
fsr-3444	135	2	17	17	NUM
fsr-3444	135	3	demographic	demographic	ADJ
fsr-3444	135	4	variables	variable	NOUN
fsr-3444	135	5	are	be	AUX
fsr-3444	135	6	:	:	PUNCT
fsr-3444	135	7	gender	gender	NOUN
fsr-3444	135	8	,	,	PUNCT
fsr-3444	135	9	age	age	NOUN
fsr-3444	135	10	,	,	PUNCT
fsr-3444	135	11	highest	high	ADJ
fsr-3444	135	12	level	level	NOUN
fsr-3444	135	13	of	of	ADP
fsr-3444	135	14	education	education	NOUN
fsr-3444	135	15	,	,	PUNCT
fsr-3444	135	16	race	race	NOUN
fsr-3444	135	17	,	,	PUNCT
fsr-3444	135	18	total	total	ADJ
fsr-3444	135	19	years	year	NOUN
fsr-3444	135	20	of	of	ADP
fsr-3444	135	21	work	work	NOUN
fsr-3444	135	22	experience	experience	NOUN
fsr-3444	135	23	,	,	PUNCT
fsr-3444	135	24	level	level	NOUN
fsr-3444	135	25	of	of	ADP
fsr-3444	135	26	career	career	NOUN
fsr-3444	135	27	,	,	PUNCT
fsr-3444	135	28	level	level	NOUN
fsr-3444	135	29	of	of	ADP
fsr-3444	135	30	personal	personal	ADJ
fsr-3444	135	31	income	income	NOUN
fsr-3444	135	32	,	,	PUNCT
fsr-3444	135	33	income	income	NOUN
fsr-3444	135	34	potential	potential	NOUN
fsr-3444	135	35	,	,	PUNCT
fsr-3444	135	36	marital	marital	ADJ
fsr-3444	135	37	status	status	NOUN
fsr-3444	135	38	,	,	PUNCT
fsr-3444	135	39	number	number	NOUN
fsr-3444	135	40	of	of	ADP
fsr-3444	135	41	times	time	NOUN
fsr-3444	135	42	married	married	ADJ
fsr-3444	135	43	,	,	PUNCT
fsr-3444	135	44	number	number	NOUN
fsr-3444	135	45	of	of	ADP
fsr-3444	135	46	children	child	NOUN
fsr-3444	135	47	,	,	PUNCT
fsr-3444	135	48	number	number	NOUN
fsr-3444	135	49	of	of	ADP
fsr-3444	135	50	children	child	NOUN
fsr-3444	135	51	living	live	VERB
fsr-3444	135	52	at	at	ADP
fsr-3444	135	53	home	home	NOUN
fsr-3444	135	54	,	,	PUNCT
fsr-3444	135	55	type	type	NOUN
fsr-3444	135	56	of	of	ADP
fsr-3444	135	57	religion	religion	NOUN
fsr-3444	135	58	,	,	PUNCT
fsr-3444	135	59	level	level	NOUN
fsr-3444	135	60	of	of	ADP
fsr-3444	135	61	religious	religious	ADJ
fsr-3444	135	62	commitment	commitment	NOUN
fsr-3444	135	63	,	,	PUNCT
fsr-3444	135	64	primary	primary	ADJ
fsr-3444	135	65	residence	residence	NOUN
fsr-3444	135	66	(	(	PUNCT
fsr-3444	135	67	rent	rent	NOUN
fsr-3444	135	68	or	or	CCONJ
fsr-3444	135	69	own	own	ADJ
fsr-3444	135	70	)	)	PUNCT
fsr-3444	135	71	,	,	PUNCT
fsr-3444	135	72	parents	parent	NOUN
fsr-3444	135	73	’	’	PART
fsr-3444	135	74	highest	high	ADJ
fsr-3444	135	75	education	education	NOUN
fsr-3444	135	76	level	level	NOUN
fsr-3444	135	77	,	,	PUNCT
fsr-3444	135	78	and	and	CCONJ
fsr-3444	135	79	parents	parent	NOUN
fsr-3444	135	80	’	’	PART
fsr-3444	135	81	highest	high	ADJ
fsr-3444	135	82	income	income	NOUN
fsr-3444	135	83	level	level	NOUN
fsr-3444	135	84	.	.	PUNCT
fsr-3444	136	1	3.3.2	3.3.2	X
fsr-3444	136	2	.	.	PUNCT
fsr-3444	136	3	psychological	psychological	ADJ
fsr-3444	136	4	variables	variable	NOUN
fsr-3444	136	5	.	.	PUNCT
fsr-3444	137	1	the	the	DET
fsr-3444	137	2	15	15	NUM
fsr-3444	137	3	psychological	psychological	ADJ
fsr-3444	137	4	variables	variable	NOUN
fsr-3444	137	5	are	be	AUX
fsr-3444	137	6	divided	divide	VERB
fsr-3444	137	7	into	into	ADP
fsr-3444	137	8	four	four	NUM
fsr-3444	137	9	areas	area	NOUN
fsr-3444	137	10	:	:	PUNCT
fsr-3444	137	11	self	self	NOUN
fsr-3444	137	12	-	-	PUNCT
fsr-3444	137	13	efficacy	efficacy	NOUN
fsr-3444	137	14	(	(	PUNCT
fsr-3444	137	15	confidence	confidence	NOUN
fsr-3444	137	16	in	in	ADP
fsr-3444	137	17	one	one	NUM
fsr-3444	137	18	’s	’s	PART
fsr-3444	137	19	ability	ability	NOUN
fsr-3444	137	20	to	to	PART
fsr-3444	137	21	perform	perform	VERB
fsr-3444	137	22	)	)	PUNCT
fsr-3444	137	23	,	,	PUNCT
fsr-3444	137	24	locus	locus	NOUN
fsr-3444	137	25	of	of	ADP
fsr-3444	137	26	control	control	NOUN
fsr-3444	137	27	,	,	PUNCT
fsr-3444	137	28	motivation	motivation	NOUN
fsr-3444	137	29	;	;	PUNCT
fsr-3444	137	30	and	and	CCONJ
fsr-3444	137	31	selfcontrol	selfcontrol	NOUN
fsr-3444	137	32	.	.	PUNCT
fsr-3444	138	1	self	self	NOUN
fsr-3444	138	2	-	-	PUNCT
fsr-3444	138	3	efficacy	efficacy	NOUN
fsr-3444	138	4	includes	include	VERB
fsr-3444	138	5	three	three	NUM
fsr-3444	138	6	variables	variable	NOUN
fsr-3444	138	7	,	,	PUNCT
fsr-3444	138	8	general	general	ADJ
fsr-3444	138	9	confidence	confidence	NOUN
fsr-3444	138	10	level	level	NOUN
fsr-3444	138	11	,	,	PUNCT
fsr-3444	138	12	financial	financial	ADJ
fsr-3444	138	13	confidence	confidence	NOUN
fsr-3444	138	14	level	level	NOUN
fsr-3444	138	15	,	,	PUNCT
fsr-3444	138	16	and	and	CCONJ
fsr-3444	138	17	education	education	NOUN
fsr-3444	138	18	confidence	confidence	NOUN
fsr-3444	138	19	level	level	NOUN
fsr-3444	138	20	.	.	PUNCT
fsr-3444	139	1	locus	locus	NOUN
fsr-3444	139	2	of	of	ADP
fsr-3444	139	3	control	control	NOUN
fsr-3444	139	4	include	include	VERB
fsr-3444	139	5	seven	seven	NUM
fsr-3444	139	6	variables	variable	NOUN
fsr-3444	139	7	.	.	PUNCT
fsr-3444	140	1	they	they	PRON
fsr-3444	140	2	are	be	AUX
fsr-3444	140	3	:	:	PUNCT
fsr-3444	140	4	i	i	PRON
fsr-3444	140	5	have	have	AUX
fsr-3444	140	6	had	have	VERB
fsr-3444	140	7	very	very	ADV
fsr-3444	140	8	little	little	ADJ
fsr-3444	140	9	control	control	NOUN
fsr-3444	140	10	over	over	ADP
fsr-3444	140	11	life	life	NOUN
fsr-3444	140	12	;	;	PUNCT
fsr-3444	140	13	i	i	PRON
fsr-3444	140	14	have	have	AUX
fsr-3444	140	15	had	have	VERB
fsr-3444	140	16	many	many	ADJ
fsr-3444	140	17	negative	negative	ADJ
fsr-3444	140	18	experiences	experience	NOUN
fsr-3444	140	19	with	with	ADP
fsr-3444	140	20	my	my	PRON
fsr-3444	140	21	household	household	NOUN
fsr-3444	140	22	finances	finance	NOUN
fsr-3444	140	23	;	;	PUNCT
fsr-3444	140	24	i	i	PRON
fsr-3444	140	25	have	have	VERB
fsr-3444	140	26	very	very	ADV
fsr-3444	140	27	little	little	ADJ
fsr-3444	140	28	control	control	NOUN
fsr-3444	140	29	over	over	ADP
fsr-3444	140	30	my	my	PRON
fsr-3444	140	31	household	household	NOUN
fsr-3444	140	32	finances	finance	NOUN
fsr-3444	140	33	;	;	PUNCT
fsr-3444	140	34	i	i	PRON
fsr-3444	140	35	have	have	VERB
fsr-3444	140	36	little	little	ADJ
fsr-3444	140	37	control	control	NOUN
fsr-3444	140	38	over	over	ADP
fsr-3444	140	39	my	my	PRON
fsr-3444	140	40	income	income	NOUN
fsr-3444	140	41	level	level	NOUN
fsr-3444	140	42	;	;	PUNCT
fsr-3444	140	43	i	i	PRON
fsr-3444	140	44	have	have	VERB
fsr-3444	140	45	no	no	DET
fsr-3444	140	46	control	control	NOUN
fsr-3444	140	47	over	over	ADP
fsr-3444	140	48	my	my	PRON
fsr-3444	140	49	savings	saving	NOUN
fsr-3444	140	50	;	;	PUNCT
fsr-3444	140	51	i	i	PRON
fsr-3444	140	52	have	have	VERB
fsr-3444	140	53	little	little	ADJ
fsr-3444	140	54	control	control	NOUN
fsr-3444	140	55	over	over	ADP
fsr-3444	140	56	my	my	PRON
fsr-3444	140	57	expenses	expense	NOUN
fsr-3444	140	58	;	;	PUNCT
fsr-3444	140	59	and	and	CCONJ
fsr-3444	140	60	,	,	PUNCT
fsr-3444	140	61	i	i	PRON
fsr-3444	140	62	believe	believe	VERB
fsr-3444	140	63	the	the	DET
fsr-3444	140	64	way	way	NOUN
fsr-3444	140	65	i	i	PRON
fsr-3444	140	66	manage	manage	VERB
fsr-3444	140	67	my	my	PRON
fsr-3444	140	68	money	money	NOUN
fsr-3444	140	69	will	will	AUX
fsr-3444	140	70	affect	affect	VERB
fsr-3444	140	71	my	my	PRON
fsr-3444	140	72	future	future	NOUN
fsr-3444	140	73	.	.	PUNCT
fsr-3444	141	1	motivation	motivation	NOUN
fsr-3444	141	2	includes	include	VERB
fsr-3444	141	3	three	three	NUM
fsr-3444	141	4	variables	variable	NOUN
fsr-3444	141	5	.	.	PUNCT
fsr-3444	142	1	they	they	PRON
fsr-3444	142	2	are	be	AUX
fsr-3444	142	3	:	:	PUNCT
fsr-3444	142	4	i	i	PRON
fsr-3444	142	5	plan	plan	VERB
fsr-3444	142	6	to	to	PART
fsr-3444	142	7	take	take	VERB
fsr-3444	142	8	more	more	ADJ
fsr-3444	142	9	financial	financial	ADJ
fsr-3444	142	10	education	education	NOUN
fsr-3444	142	11	courses	course	NOUN
fsr-3444	142	12	;	;	PUNCT
fsr-3444	142	13	i	i	PRON
fsr-3444	142	14	plan	plan	VERB
fsr-3444	142	15	to	to	PART
fsr-3444	142	16	substantially	substantially	ADV
fsr-3444	142	17	increase	increase	VERB
fsr-3444	142	18	my	my	PRON
fsr-3444	142	19	income	income	NOUN
fsr-3444	142	20	;	;	PUNCT
fsr-3444	142	21	and	and	CCONJ
fsr-3444	142	22	i	i	PRON
fsr-3444	142	23	plan	plan	VERB
fsr-3444	142	24	to	to	PART
fsr-3444	142	25	increase	increase	VERB
fsr-3444	142	26	my	my	PRON
fsr-3444	142	27	net	net	ADJ
fsr-3444	142	28	worth	worth	NOUN
fsr-3444	142	29	.	.	PUNCT
fsr-3444	143	1	self	self	NOUN
fsr-3444	143	2	-	-	PUNCT
fsr-3444	143	3	control	control	NOUN
fsr-3444	143	4	includes	include	VERB
fsr-3444	143	5	two	two	NUM
fsr-3444	143	6	variables	variable	NOUN
fsr-3444	143	7	.	.	PUNCT
fsr-3444	144	1	they	they	PRON
fsr-3444	144	2	are	be	AUX
fsr-3444	144	3	:	:	PUNCT
fsr-3444	144	4	how	how	SCONJ
fsr-3444	144	5	important	important	ADJ
fsr-3444	144	6	is	be	AUX
fsr-3444	144	7	immediate	immediate	ADJ
fsr-3444	144	8	gratification	gratification	NOUN
fsr-3444	144	9	to	to	ADP
fsr-3444	144	10	you	you	PRON
fsr-3444	144	11	?	?	PUNCT
fsr-3444	145	1	and	and	CCONJ
fsr-3444	145	2	how	how	SCONJ
fsr-3444	145	3	important	important	ADJ
fsr-3444	145	4	is	be	AUX
fsr-3444	145	5	financial	financial	ADJ
fsr-3444	145	6	planning	planning	NOUN
fsr-3444	145	7	to	to	ADP
fsr-3444	145	8	you	you	PRON
fsr-3444	145	9	?	?	PUNCT
fsr-3444	146	1	3.3.3	3.3.3	NUM
fsr-3444	146	2	.	.	PUNCT
fsr-3444	146	3	financial	financial	ADJ
fsr-3444	146	4	variables	variable	NOUN
fsr-3444	146	5	.	.	PUNCT
fsr-3444	147	1	the	the	DET
fsr-3444	147	2	financial	financial	ADJ
fsr-3444	147	3	variables	variable	NOUN
fsr-3444	147	4	are	be	AUX
fsr-3444	147	5	utilized	utilize	VERB
fsr-3444	147	6	as	as	ADP
fsr-3444	147	7	control	control	NOUN
fsr-3444	147	8	variables	variable	NOUN
fsr-3444	147	9	.	.	PUNCT
fsr-3444	148	1	they	they	PRON
fsr-3444	148	2	are	be	AUX
fsr-3444	148	3	financial	financial	ADJ
fsr-3444	148	4	knowledge	knowledge	NOUN
fsr-3444	148	5	,	,	PUNCT
fsr-3444	148	6	financial	financial	ADJ
fsr-3444	148	7	training	training	NOUN
fsr-3444	148	8	,	,	PUNCT
fsr-3444	148	9	and	and	CCONJ
fsr-3444	148	10	financial	financial	ADJ
fsr-3444	148	11	work	work	NOUN
fsr-3444	148	12	experience	experience	NOUN
fsr-3444	148	13	.	.	PUNCT
fsr-3444	149	1	3.4	3.4	NUM
fsr-3444	149	2	.	.	PUNCT
fsr-3444	149	3	research	research	NOUN
fsr-3444	149	4	hypotheses	hypothesis	NOUN
fsr-3444	149	5	we	we	PRON
fsr-3444	149	6	want	want	VERB
fsr-3444	149	7	to	to	PART
fsr-3444	149	8	determine	determine	VERB
fsr-3444	149	9	if	if	SCONJ
fsr-3444	149	10	there	there	PRON
fsr-3444	149	11	are	be	VERB
fsr-3444	149	12	significant	significant	ADJ
fsr-3444	149	13	differences	difference	NOUN
fsr-3444	149	14	between	between	ADP
fsr-3444	149	15	chapter	chapter	NOUN
fsr-3444	149	16	13	13	NUM
fsr-3444	149	17	filers	filer	NOUN
fsr-3444	149	18	and	and	CCONJ
fsr-3444	149	19	non	non	NOUN
fsr-3444	149	20	-	-	NOUN
fsr-3444	149	21	filers	filer	NOUN
fsr-3444	149	22	.	.	PUNCT
fsr-3444	150	1	to	to	PART
fsr-3444	150	2	do	do	VERB
fsr-3444	150	3	this	this	PRON
fsr-3444	150	4	we	we	PRON
fsr-3444	150	5	analyze	analyze	VERB
fsr-3444	150	6	demographic	demographic	ADJ
fsr-3444	150	7	,	,	PUNCT
fsr-3444	150	8	psychological	psychological	ADJ
fsr-3444	150	9	,	,	PUNCT
fsr-3444	150	10	and	and	CCONJ
fsr-3444	150	11	financial	financial	ADJ
fsr-3444	150	12	factors	factor	NOUN
fsr-3444	150	13	.	.	PUNCT
fsr-3444	151	1	the	the	DET
fsr-3444	151	2	hypotheses	hypothesis	NOUN
fsr-3444	151	3	are	be	AUX
fsr-3444	151	4	as	as	SCONJ
fsr-3444	151	5	follows	follow	VERB
fsr-3444	151	6	:	:	PUNCT
fsr-3444	151	7	72	72	NUM
fsr-3444	151	8	s.	s.	PROPN
fsr-3444	151	9	e.	e.	PROPN
fsr-3444	151	10	kehiaian	kehiaian	PROPN
fsr-3444	151	11	et	et	PROPN
fsr-3444	151	12	al	al	PROPN
fsr-3444	151	13	.	.	PUNCT
fsr-3444	151	14	/	/	SYM
fsr-3444	151	15	financial	financial	ADJ
fsr-3444	151	16	services	service	NOUN
fsr-3444	151	17	review	review	VERB
fsr-3444	151	18	29	29	NUM
fsr-3444	151	19	(	(	PUNCT
fsr-3444	151	20	2021	2021	NUM
fsr-3444	151	21	)	)	PUNCT
fsr-3444	151	22	67–84	67–84	NOUN
fsr-3444	151	23	hypothesis	hypothesis	NOUN
fsr-3444	151	24	1	1	NUM
fsr-3444	151	25	:	:	PUNCT
fsr-3444	151	26	demographic	demographic	ADJ
fsr-3444	151	27	variables	variable	NOUN
fsr-3444	151	28	are	be	AUX
fsr-3444	151	29	related	relate	VERB
fsr-3444	151	30	to	to	ADP
fsr-3444	151	31	filing	file	VERB
fsr-3444	151	32	for	for	ADP
fsr-3444	151	33	chapter	chapter	NOUN
fsr-3444	151	34	13	13	NUM
fsr-3444	151	35	bankruptcy	bankruptcy	NOUN
fsr-3444	151	36	.	.	PUNCT
fsr-3444	152	1	hypothesis	hypothesis	NOUN
fsr-3444	152	2	2	2	NUM
fsr-3444	152	3	:	:	PUNCT
fsr-3444	153	1	psychological	psychological	ADJ
fsr-3444	153	2	variables	variable	NOUN
fsr-3444	153	3	are	be	AUX
fsr-3444	153	4	related	relate	VERB
fsr-3444	153	5	to	to	ADP
fsr-3444	153	6	filing	file	VERB
fsr-3444	153	7	for	for	ADP
fsr-3444	153	8	chapter	chapter	NOUN
fsr-3444	153	9	13	13	NUM
fsr-3444	153	10	bankruptcy	bankruptcy	NOUN
fsr-3444	153	11	.	.	PUNCT
fsr-3444	154	1	hypothesis	hypothesis	NOUN
fsr-3444	154	2	3	3	NUM
fsr-3444	154	3	:	:	PUNCT
fsr-3444	155	1	financial	financial	ADJ
fsr-3444	155	2	variables	variable	NOUN
fsr-3444	155	3	are	be	AUX
fsr-3444	155	4	related	relate	VERB
fsr-3444	155	5	to	to	ADP
fsr-3444	155	6	filing	file	VERB
fsr-3444	155	7	for	for	ADP
fsr-3444	155	8	chapter	chapter	NOUN
fsr-3444	155	9	13	13	NUM
fsr-3444	155	10	bankruptcy	bankruptcy	NOUN
fsr-3444	155	11	.	.	PUNCT
fsr-3444	156	1	the	the	DET
fsr-3444	156	2	demographic	demographic	ADJ
fsr-3444	156	3	,	,	PUNCT
fsr-3444	156	4	psychological	psychological	ADJ
fsr-3444	156	5	,	,	PUNCT
fsr-3444	156	6	and	and	CCONJ
fsr-3444	156	7	financial	financial	ADJ
fsr-3444	156	8	variables	variable	NOUN
fsr-3444	156	9	are	be	AUX
fsr-3444	156	10	stated	state	VERB
fsr-3444	156	11	above	above	ADP
fsr-3444	156	12	.	.	PUNCT
fsr-3444	157	1	this	this	DET
fsr-3444	157	2	list	list	NOUN
fsr-3444	157	3	of	of	ADP
fsr-3444	157	4	variables	variable	NOUN
fsr-3444	157	5	is	be	AUX
fsr-3444	157	6	reduced	reduce	VERB
fsr-3444	157	7	to	to	PART
fsr-3444	157	8	account	account	VERB
fsr-3444	157	9	for	for	ADP
fsr-3444	157	10	correlation	correlation	NOUN
fsr-3444	157	11	.	.	PUNCT
fsr-3444	158	1	3.5	3.5	NUM
fsr-3444	158	2	.	.	PUNCT
fsr-3444	159	1	empirical	empirical	ADJ
fsr-3444	159	2	specifications	specification	NOUN
fsr-3444	159	3	3.5.1	3.5.1	NUM
fsr-3444	159	4	correlation	correlation	NOUN
fsr-3444	159	5	and	and	CCONJ
fsr-3444	159	6	endogeneity	endogeneity	NOUN
fsr-3444	159	7	analyses	analysis	NOUN
fsr-3444	159	8	.	.	PUNCT
fsr-3444	160	1	correlation	correlation	NOUN
fsr-3444	160	2	analysis	analysis	NOUN
fsr-3444	160	3	is	be	AUX
fsr-3444	160	4	used	use	VERB
fsr-3444	160	5	to	to	PART
fsr-3444	160	6	adjust	adjust	VERB
fsr-3444	160	7	the	the	DET
fsr-3444	160	8	number	number	NOUN
fsr-3444	160	9	of	of	ADP
fsr-3444	160	10	independent	independent	ADJ
fsr-3444	160	11	variables	variable	NOUN
fsr-3444	160	12	to	to	PART
fsr-3444	160	13	address	address	VERB
fsr-3444	160	14	potential	potential	ADJ
fsr-3444	160	15	multicollinearity	multicollinearity	NOUN
fsr-3444	160	16	problems	problem	NOUN
fsr-3444	160	17	in	in	ADP
fsr-3444	160	18	the	the	DET
fsr-3444	160	19	regression	regression	NOUN
fsr-3444	160	20	analysis	analysis	NOUN
fsr-3444	160	21	.	.	PUNCT
fsr-3444	161	1	to	to	PART
fsr-3444	161	2	test	test	VERB
fsr-3444	161	3	for	for	ADP
fsr-3444	161	4	endogeneity	endogeneity	NOUN
fsr-3444	161	5	,	,	PUNCT
fsr-3444	161	6	we	we	PRON
fsr-3444	161	7	conduct	conduct	VERB
fsr-3444	161	8	a	a	DET
fsr-3444	161	9	correlation	correlation	NOUN
fsr-3444	161	10	analysis	analysis	NOUN
fsr-3444	161	11	between	between	ADP
fsr-3444	161	12	the	the	DET
fsr-3444	161	13	residuals	residual	NOUN
fsr-3444	161	14	from	from	ADP
fsr-3444	161	15	the	the	DET
fsr-3444	161	16	binary	binary	ADJ
fsr-3444	161	17	logistic	logistic	ADJ
fsr-3444	161	18	regression	regression	NOUN
fsr-3444	161	19	and	and	CCONJ
fsr-3444	161	20	the	the	DET
fsr-3444	161	21	independent	independent	ADJ
fsr-3444	161	22	variables	variable	NOUN
fsr-3444	161	23	.	.	PUNCT
fsr-3444	162	1	no	no	DET
fsr-3444	162	2	significant	significant	ADJ
fsr-3444	162	3	correlations	correlation	NOUN
fsr-3444	162	4	imply	imply	VERB
fsr-3444	162	5	no	no	DET
fsr-3444	162	6	issues	issue	NOUN
fsr-3444	162	7	with	with	ADP
fsr-3444	162	8	endogeneity	endogeneity	NOUN
fsr-3444	162	9	in	in	ADP
fsr-3444	162	10	the	the	DET
fsr-3444	162	11	model	model	NOUN
fsr-3444	162	12	.	.	PUNCT
fsr-3444	163	1	3.5.2	3.5.2	X
fsr-3444	163	2	.	.	PUNCT
fsr-3444	163	3	binary	binary	PROPN
fsr-3444	163	4	logistic	logistic	PROPN
fsr-3444	163	5	regression	regression	NOUN
fsr-3444	163	6	.	.	PUNCT
fsr-3444	164	1	binary	binary	ADJ
fsr-3444	164	2	logistic	logistic	ADJ
fsr-3444	164	3	multiple	multiple	ADJ
fsr-3444	164	4	regression	regression	NOUN
fsr-3444	164	5	is	be	AUX
fsr-3444	164	6	used	use	VERB
fsr-3444	164	7	to	to	PART
fsr-3444	164	8	analyze	analyze	VERB
fsr-3444	164	9	the	the	DET
fsr-3444	164	10	data	datum	NOUN
fsr-3444	164	11	.	.	PUNCT
fsr-3444	165	1	the	the	DET
fsr-3444	165	2	dependent	dependent	ADJ
fsr-3444	165	3	variable	variable	NOUN
fsr-3444	165	4	is	be	AUX
fsr-3444	165	5	a	a	DET
fsr-3444	165	6	binary	binary	ADJ
fsr-3444	165	7	variable	variable	NOUN
fsr-3444	165	8	,	,	PUNCT
fsr-3444	165	9	representing	represent	VERB
fsr-3444	165	10	filers	filer	NOUN
fsr-3444	165	11	and	and	CCONJ
fsr-3444	165	12	non	non	NOUN
fsr-3444	165	13	-	-	NOUN
fsr-3444	165	14	filers	filer	NOUN
fsr-3444	165	15	.	.	PUNCT
fsr-3444	166	1	the	the	DET
fsr-3444	166	2	independent	independent	ADJ
fsr-3444	166	3	variables	variable	NOUN
fsr-3444	166	4	include	include	VERB
fsr-3444	166	5	the	the	DET
fsr-3444	166	6	reduced	reduced	ADJ
fsr-3444	166	7	number	number	NOUN
fsr-3444	166	8	of	of	ADP
fsr-3444	166	9	demographic	demographic	ADJ
fsr-3444	166	10	,	,	PUNCT
fsr-3444	166	11	psychological	psychological	ADJ
fsr-3444	166	12	,	,	PUNCT
fsr-3444	166	13	and	and	CCONJ
fsr-3444	166	14	financial	financial	ADJ
fsr-3444	166	15	variables	variable	NOUN
fsr-3444	166	16	.	.	PUNCT
fsr-3444	167	1	the	the	DET
fsr-3444	167	2	estimated	estimate	VERB
fsr-3444	167	3	regression	regression	NOUN
fsr-3444	167	4	coefficients	coefficient	NOUN
fsr-3444	167	5	for	for	ADP
fsr-3444	167	6	the	the	DET
fsr-3444	167	7	independent	independent	ADJ
fsr-3444	167	8	variables	variable	NOUN
fsr-3444	167	9	are	be	AUX
fsr-3444	167	10	used	use	VERB
fsr-3444	167	11	to	to	PART
fsr-3444	167	12	calculate	calculate	VERB
fsr-3444	167	13	the	the	DET
fsr-3444	167	14	odds	odd	NOUN
fsr-3444	167	15	ratios	ratio	NOUN
fsr-3444	167	16	,	,	PUNCT
fsr-3444	167	17	which	which	PRON
fsr-3444	167	18	are	be	AUX
fsr-3444	167	19	used	use	VERB
fsr-3444	167	20	to	to	PART
fsr-3444	167	21	predict	predict	VERB
fsr-3444	167	22	the	the	DET
fsr-3444	167	23	likelihood	likelihood	NOUN
fsr-3444	167	24	of	of	ADP
fsr-3444	167	25	a	a	DET
fsr-3444	167	26	person	person	NOUN
fsr-3444	167	27	being	be	AUX
fsr-3444	167	28	a	a	DET
fsr-3444	167	29	filer	filer	NOUN
fsr-3444	167	30	when	when	SCONJ
fsr-3444	167	31	there	there	PRON
fsr-3444	167	32	is	be	VERB
fsr-3444	167	33	a	a	DET
fsr-3444	167	34	small	small	ADJ
fsr-3444	167	35	change	change	NOUN
fsr-3444	167	36	in	in	ADP
fsr-3444	167	37	each	each	DET
fsr-3444	167	38	independent	independent	ADJ
fsr-3444	167	39	variable	variable	NOUN
fsr-3444	167	40	,	,	PUNCT
fsr-3444	167	41	holding	hold	VERB
fsr-3444	167	42	all	all	DET
fsr-3444	167	43	other	other	ADJ
fsr-3444	167	44	variables	variable	NOUN
fsr-3444	167	45	constant	constant	ADJ
fsr-3444	167	46	.	.	PUNCT
fsr-3444	168	1	all	all	DET
fsr-3444	168	2	analyses	analysis	NOUN
fsr-3444	168	3	are	be	AUX
fsr-3444	168	4	done	do	VERB
fsr-3444	168	5	using	use	VERB
fsr-3444	168	6	the	the	DET
fsr-3444	168	7	statistical	statistical	ADJ
fsr-3444	168	8	software	software	NOUN
fsr-3444	168	9	,	,	PUNCT
fsr-3444	168	10	spss	spss	PROPN
fsr-3444	168	11	26	26	NUM
fsr-3444	168	12	.	.	PUNCT
fsr-3444	169	1	4	4	NUM
fsr-3444	169	2	.	.	NOUN
fsr-3444	169	3	results	result	VERB
fsr-3444	169	4	4.1	4.1	NUM
fsr-3444	169	5	.	.	PUNCT
fsr-3444	170	1	descriptive	descriptive	ADJ
fsr-3444	170	2	results	result	NOUN
fsr-3444	170	3	4.1.1	4.1.1	NUM
fsr-3444	170	4	.	.	PUNCT
fsr-3444	171	1	descriptive	descriptive	ADJ
fsr-3444	171	2	statistics	statistic	NOUN
fsr-3444	171	3	for	for	ADP
fsr-3444	171	4	demographic	demographic	ADJ
fsr-3444	171	5	variables	variable	NOUN
fsr-3444	171	6	.	.	PUNCT
fsr-3444	172	1	descriptive	descriptive	ADJ
fsr-3444	172	2	statistics	statistic	NOUN
fsr-3444	172	3	are	be	AUX
fsr-3444	172	4	presented	present	VERB
fsr-3444	172	5	for	for	ADP
fsr-3444	172	6	the	the	DET
fsr-3444	172	7	demographic	demographic	ADJ
fsr-3444	172	8	variables	variable	NOUN
fsr-3444	172	9	(	(	PUNCT
fsr-3444	172	10	table	table	NOUN
fsr-3444	172	11	1	1	NUM
fsr-3444	172	12	)	)	PUNCT
fsr-3444	172	13	.	.	PUNCT
fsr-3444	173	1	filers	filer	NOUN
fsr-3444	173	2	are	be	AUX
fsr-3444	173	3	43.3	43.3	NUM
fsr-3444	173	4	%	%	NOUN
fsr-3444	173	5	males	male	NOUN
fsr-3444	173	6	and	and	CCONJ
fsr-3444	173	7	56.7	56.7	NUM
fsr-3444	173	8	%	%	NOUN
fsr-3444	173	9	females	female	NOUN
fsr-3444	173	10	,	,	PUNCT
fsr-3444	173	11	whereas	whereas	SCONJ
fsr-3444	173	12	non	non	NOUN
fsr-3444	173	13	-	-	NOUN
fsr-3444	173	14	filers	filer	NOUN
fsr-3444	173	15	are	be	AUX
fsr-3444	173	16	29.3	29.3	NUM
fsr-3444	173	17	%	%	NOUN
fsr-3444	173	18	males	male	NOUN
fsr-3444	173	19	and	and	CCONJ
fsr-3444	173	20	70.7	70.7	NUM
fsr-3444	173	21	%	%	NOUN
fsr-3444	173	22	females	female	NOUN
fsr-3444	173	23	.	.	PUNCT
fsr-3444	174	1	eighty	eighty	NUM
fsr-3444	174	2	eight	eight	NUM
fsr-3444	174	3	percentage	percentage	NOUN
fsr-3444	174	4	of	of	ADP
fsr-3444	174	5	filers	filer	NOUN
fsr-3444	174	6	are	be	AUX
fsr-3444	174	7	35	35	NUM
fsr-3444	174	8	years	year	NOUN
fsr-3444	174	9	or	or	CCONJ
fsr-3444	174	10	older	old	ADJ
fsr-3444	174	11	,	,	PUNCT
fsr-3444	174	12	compared	compare	VERB
fsr-3444	174	13	with	with	ADP
fsr-3444	174	14	63.4	63.4	NUM
fsr-3444	174	15	%	%	NOUN
fsr-3444	174	16	for	for	ADP
fsr-3444	174	17	non	non	NOUN
fsr-3444	174	18	-	-	NOUN
fsr-3444	174	19	filers	filer	NOUN
fsr-3444	174	20	.	.	PUNCT
fsr-3444	175	1	filers	filer	NOUN
fsr-3444	175	2	are	be	AUX
fsr-3444	175	3	comprised	comprise	VERB
fsr-3444	175	4	of	of	ADP
fsr-3444	175	5	51.9	51.9	NUM
fsr-3444	175	6	%	%	NOUN
fsr-3444	175	7	whites	white	NOUN
fsr-3444	175	8	and	and	CCONJ
fsr-3444	175	9	43.6	43.6	NUM
fsr-3444	175	10	%	%	NOUN
fsr-3444	175	11	blacks	black	NOUN
fsr-3444	175	12	,	,	PUNCT
fsr-3444	175	13	whereas	whereas	SCONJ
fsr-3444	175	14	non	non	NOUN
fsr-3444	175	15	-	-	NOUN
fsr-3444	175	16	filers	filer	NOUN
fsr-3444	175	17	are	be	AUX
fsr-3444	175	18	comprised	comprise	VERB
fsr-3444	175	19	of	of	ADP
fsr-3444	175	20	58.5	58.5	NUM
fsr-3444	175	21	%	%	NOUN
fsr-3444	175	22	whites	white	NOUN
fsr-3444	175	23	and	and	CCONJ
fsr-3444	175	24	35.8	35.8	NUM
fsr-3444	175	25	%	%	NOUN
fsr-3444	175	26	blacks	black	NOUN
fsr-3444	175	27	.	.	PUNCT
fsr-3444	176	1	whites	white	NOUN
fsr-3444	176	2	and	and	CCONJ
fsr-3444	176	3	blacks	black	NOUN
fsr-3444	176	4	account	account	VERB
fsr-3444	176	5	for	for	ADP
fsr-3444	176	6	more	more	ADJ
fsr-3444	176	7	than	than	ADP
fsr-3444	176	8	90	90	NUM
fsr-3444	176	9	%	%	NOUN
fsr-3444	176	10	of	of	ADP
fsr-3444	176	11	the	the	DET
fsr-3444	176	12	sample	sample	NOUN
fsr-3444	176	13	of	of	ADP
fsr-3444	176	14	filers	filer	NOUN
fsr-3444	176	15	and	and	CCONJ
fsr-3444	176	16	non	non	NOUN
fsr-3444	176	17	-	-	NOUN
fsr-3444	176	18	filers	filer	NOUN
fsr-3444	176	19	.	.	PUNCT
fsr-3444	177	1	a	a	DET
fsr-3444	177	2	high	high	ADJ
fsr-3444	177	3	school	school	NOUN
fsr-3444	177	4	education	education	NOUN
fsr-3444	177	5	is	be	AUX
fsr-3444	177	6	the	the	DET
fsr-3444	177	7	highest	high	ADJ
fsr-3444	177	8	level	level	NOUN
fsr-3444	177	9	of	of	ADP
fsr-3444	177	10	education	education	NOUN
fsr-3444	177	11	achieved	achieve	VERB
fsr-3444	177	12	by	by	ADP
fsr-3444	177	13	41.1	41.1	NUM
fsr-3444	177	14	%	%	NOUN
fsr-3444	177	15	of	of	ADP
fsr-3444	177	16	filers	filer	NOUN
fsr-3444	177	17	compared	compare	VERB
fsr-3444	177	18	with	with	ADP
fsr-3444	177	19	18.7	18.7	NUM
fsr-3444	177	20	%	%	NOUN
fsr-3444	177	21	of	of	ADP
fsr-3444	177	22	non	non	NOUN
fsr-3444	177	23	-	-	NOUN
fsr-3444	177	24	filers	filer	NOUN
fsr-3444	177	25	.	.	PUNCT
fsr-3444	178	1	nineteen	nineteen	NUM
fsr-3444	178	2	percentage	percentage	NOUN
fsr-3444	178	3	of	of	ADP
fsr-3444	178	4	filers	filer	NOUN
fsr-3444	178	5	have	have	VERB
fsr-3444	178	6	financial	financial	ADJ
fsr-3444	178	7	education	education	NOUN
fsr-3444	178	8	compared	compare	VERB
fsr-3444	178	9	with	with	ADP
fsr-3444	178	10	32.9	32.9	NUM
fsr-3444	178	11	%	%	NOUN
fsr-3444	178	12	of	of	ADP
fsr-3444	178	13	non	non	NOUN
fsr-3444	178	14	-	-	NOUN
fsr-3444	178	15	filers	filer	NOUN
fsr-3444	178	16	.	.	PUNCT
fsr-3444	179	1	those	those	PRON
fsr-3444	179	2	with	with	ADP
fsr-3444	179	3	15	15	NUM
fsr-3444	179	4	years	year	NOUN
fsr-3444	179	5	or	or	CCONJ
fsr-3444	179	6	more	more	ADJ
fsr-3444	179	7	of	of	ADP
fsr-3444	179	8	work	work	NOUN
fsr-3444	179	9	experience	experience	NOUN
fsr-3444	179	10	account	account	VERB
fsr-3444	179	11	for	for	ADP
fsr-3444	179	12	88.2	88.2	NUM
fsr-3444	179	13	%	%	NOUN
fsr-3444	179	14	of	of	ADP
fsr-3444	179	15	filers	filer	NOUN
fsr-3444	179	16	compared	compare	VERB
fsr-3444	179	17	with	with	ADP
fsr-3444	179	18	67.1	67.1	NUM
fsr-3444	179	19	%	%	NOUN
fsr-3444	179	20	for	for	ADP
fsr-3444	179	21	non	non	NOUN
fsr-3444	179	22	-	-	NOUN
fsr-3444	179	23	filers	filer	NOUN
fsr-3444	179	24	.	.	PUNCT
fsr-3444	180	1	for	for	ADP
fsr-3444	180	2	income	income	NOUN
fsr-3444	180	3	,	,	PUNCT
fsr-3444	180	4	22.6	22.6	NUM
fsr-3444	180	5	%	%	NOUN
fsr-3444	180	6	of	of	ADP
fsr-3444	180	7	filers	filer	NOUN
fsr-3444	180	8	earn	earn	VERB
fsr-3444	180	9	more	more	ADJ
fsr-3444	180	10	than	than	ADP
fsr-3444	180	11	$	$	SYM
fsr-3444	180	12	45,000	45,000	NUM
fsr-3444	180	13	per	per	ADP
fsr-3444	180	14	year	year	NOUN
fsr-3444	180	15	compared	compare	VERB
fsr-3444	180	16	with	with	ADP
fsr-3444	180	17	35.8	35.8	NUM
fsr-3444	180	18	%	%	NOUN
fsr-3444	180	19	of	of	ADP
fsr-3444	180	20	non	non	NOUN
fsr-3444	180	21	-	-	NOUN
fsr-3444	180	22	filers	filer	NOUN
fsr-3444	180	23	.	.	PUNCT
fsr-3444	181	1	eighty	eighty	NUM
fsr-3444	181	2	-	-	PUNCT
fsr-3444	181	3	four	four	NUM
fsr-3444	181	4	percentage	percentage	NOUN
fsr-3444	181	5	of	of	ADP
fsr-3444	181	6	filers	filer	NOUN
fsr-3444	181	7	are	be	AUX
fsr-3444	181	8	married	married	ADJ
fsr-3444	181	9	compared	compare	VERB
fsr-3444	181	10	with	with	ADP
fsr-3444	181	11	65.0	65.0	NUM
fsr-3444	181	12	%	%	NOUN
fsr-3444	181	13	of	of	ADP
fsr-3444	181	14	non	non	NOUN
fsr-3444	181	15	-	-	NOUN
fsr-3444	181	16	filers	filer	NOUN
fsr-3444	181	17	.	.	PUNCT
fsr-3444	182	1	most	most	ADJ
fsr-3444	182	2	filers	filer	NOUN
fsr-3444	182	3	(	(	PUNCT
fsr-3444	182	4	88.9	88.9	NUM
fsr-3444	182	5	%	%	NOUN
fsr-3444	182	6	)	)	PUNCT
fsr-3444	182	7	have	have	VERB
fsr-3444	182	8	at	at	ADV
fsr-3444	182	9	least	least	ADV
fsr-3444	182	10	one	one	NUM
fsr-3444	182	11	child	child	NOUN
fsr-3444	182	12	,	,	PUNCT
fsr-3444	182	13	compared	compare	VERB
fsr-3444	182	14	with	with	ADP
fsr-3444	182	15	71.5	71.5	NUM
fsr-3444	182	16	%	%	NOUN
fsr-3444	182	17	of	of	ADP
fsr-3444	182	18	non	non	NOUN
fsr-3444	182	19	-	-	NOUN
fsr-3444	182	20	filers	filer	NOUN
fsr-3444	182	21	.	.	PUNCT
fsr-3444	183	1	sixty	sixty	NUM
fsr-3444	183	2	percentage	percentage	NOUN
fsr-3444	183	3	of	of	ADP
fsr-3444	183	4	filers	filer	NOUN
fsr-3444	183	5	have	have	VERB
fsr-3444	183	6	children	child	NOUN
fsr-3444	183	7	living	live	VERB
fsr-3444	183	8	at	at	ADP
fsr-3444	183	9	home	home	NOUN
fsr-3444	183	10	compared	compare	VERB
fsr-3444	183	11	with	with	ADP
fsr-3444	183	12	49.2	49.2	NUM
fsr-3444	183	13	%	%	NOUN
fsr-3444	183	14	for	for	ADP
fsr-3444	183	15	non	non	NOUN
fsr-3444	183	16	-	-	NOUN
fsr-3444	183	17	filers	filer	NOUN
fsr-3444	183	18	.	.	PUNCT
fsr-3444	184	1	the	the	DET
fsr-3444	184	2	three	three	NUM
fsr-3444	184	3	religious	religious	ADJ
fsr-3444	184	4	groups	group	NOUN
fsr-3444	184	5	,	,	PUNCT
fsr-3444	184	6	baptists	baptist	NOUN
fsr-3444	184	7	,	,	PUNCT
fsr-3444	184	8	nondenominational	nondenominational	ADJ
fsr-3444	184	9	,	,	PUNCT
fsr-3444	184	10	and	and	CCONJ
fsr-3444	184	11	protestants	protestant	NOUN
fsr-3444	184	12	,	,	PUNCT
fsr-3444	184	13	make	make	VERB
fsr-3444	184	14	up	up	ADP
fsr-3444	184	15	more	more	ADJ
fsr-3444	184	16	than	than	ADP
fsr-3444	184	17	90	90	NUM
fsr-3444	184	18	%	%	NOUN
fsr-3444	184	19	of	of	ADP
fsr-3444	184	20	both	both	DET
fsr-3444	184	21	filers	filer	NOUN
fsr-3444	184	22	and	and	CCONJ
fsr-3444	184	23	non	non	NOUN
fsr-3444	184	24	-	-	NOUN
fsr-3444	184	25	filers	filer	NOUN
fsr-3444	184	26	.	.	PUNCT
fsr-3444	185	1	eighty	eighty	NUM
fsr-3444	185	2	three	three	NUM
fsr-3444	185	3	percentage	percentage	NOUN
fsr-3444	185	4	of	of	ADP
fsr-3444	185	5	filers	filer	NOUN
fsr-3444	185	6	are	be	AUX
fsr-3444	185	7	homeowners	homeowner	NOUN
fsr-3444	185	8	,	,	PUNCT
fsr-3444	185	9	compared	compare	VERB
fsr-3444	185	10	with	with	ADP
fsr-3444	185	11	59	59	NUM
fsr-3444	185	12	%	%	NOUN
fsr-3444	185	13	of	of	ADP
fsr-3444	185	14	non	non	NOUN
fsr-3444	185	15	-	-	NOUN
fsr-3444	185	16	filers	filer	NOUN
fsr-3444	185	17	.	.	PUNCT
fsr-3444	186	1	of	of	ADP
fsr-3444	186	2	all	all	DET
fsr-3444	186	3	filers	filer	NOUN
fsr-3444	186	4	,	,	PUNCT
fsr-3444	186	5	75	75	NUM
fsr-3444	186	6	%	%	NOUN
fsr-3444	186	7	of	of	ADP
fsr-3444	186	8	them	they	PRON
fsr-3444	186	9	have	have	VERB
fsr-3444	186	10	parents	parent	NOUN
fsr-3444	186	11	with	with	ADP
fsr-3444	186	12	an	an	DET
fsr-3444	186	13	education	education	NOUN
fsr-3444	186	14	level	level	NOUN
fsr-3444	186	15	of	of	ADP
fsr-3444	186	16	high	high	ADJ
fsr-3444	186	17	school	school	NOUN
fsr-3444	186	18	or	or	CCONJ
fsr-3444	186	19	less	less	ADV
fsr-3444	186	20	compared	compare	VERB
fsr-3444	186	21	with	with	ADP
fsr-3444	186	22	48.8	48.8	NUM
fsr-3444	186	23	%	%	NOUN
fsr-3444	186	24	of	of	ADP
fsr-3444	186	25	non	non	NOUN
fsr-3444	186	26	-	-	NOUN
fsr-3444	186	27	filers	filer	NOUN
fsr-3444	186	28	.	.	PUNCT
fsr-3444	187	1	about	about	ADV
fsr-3444	187	2	51.3	51.3	NUM
fsr-3444	187	3	%	%	NOUN
fsr-3444	187	4	of	of	ADP
fsr-3444	187	5	filers	filer	NOUN
fsr-3444	187	6	have	have	VERB
fsr-3444	187	7	parents	parent	NOUN
fsr-3444	187	8	with	with	ADP
fsr-3444	187	9	income	income	NOUN
fsr-3444	187	10	level	level	NOUN
fsr-3444	187	11	of	of	ADP
fsr-3444	187	12	$	$	SYM
fsr-3444	187	13	30,000	30,000	NUM
fsr-3444	187	14	or	or	CCONJ
fsr-3444	187	15	less	less	ADJ
fsr-3444	187	16	per	per	ADP
fsr-3444	187	17	year	year	NOUN
fsr-3444	187	18	compared	compare	VERB
fsr-3444	187	19	with	with	ADP
fsr-3444	187	20	34.5	34.5	NUM
fsr-3444	187	21	%	%	NOUN
fsr-3444	187	22	of	of	ADP
fsr-3444	187	23	non	non	NOUN
fsr-3444	187	24	-	-	NOUN
fsr-3444	187	25	filers	filer	NOUN
fsr-3444	187	26	.	.	PUNCT
fsr-3444	188	1	s.	s.	PROPN
fsr-3444	188	2	e.	e.	PROPN
fsr-3444	188	3	kehiaian	kehiaian	PROPN
fsr-3444	188	4	et	et	PROPN
fsr-3444	188	5	al	al	PROPN
fsr-3444	188	6	.	.	PUNCT
fsr-3444	188	7	/	/	SYM
fsr-3444	188	8	financial	financial	ADJ
fsr-3444	188	9	services	service	NOUN
fsr-3444	188	10	review	review	VERB
fsr-3444	188	11	29	29	NUM
fsr-3444	188	12	(	(	PUNCT
fsr-3444	188	13	2021	2021	NUM
fsr-3444	188	14	)	)	PUNCT
fsr-3444	188	15	67–84	67–84	NOUN
fsr-3444	188	16	73	73	NUM
fsr-3444	188	17	t	t	PROPN
fsr-3444	188	18	ab	ab	X
fsr-3444	188	19	le	le	X
fsr-3444	188	20	1	1	NUM
fsr-3444	189	1	d	d	X
fsr-3444	189	2	em	em	PRON
fsr-3444	189	3	o	o	INTJ
fsr-3444	190	1	g	g	NOUN
fsr-3444	190	2	ra	ra	PROPN
fsr-3444	190	3	p	p	NOUN
fsr-3444	190	4	h	h	NOUN
fsr-3444	191	1	ic	ic	PROPN
fsr-3444	191	2	ch	ch	PROPN
fsr-3444	191	3	ar	ar	PROPN
fsr-3444	191	4	ac	ac	PROPN
fsr-3444	191	5	te	te	PROPN
fsr-3444	191	6	ri	ri	PROPN
fsr-3444	191	7	st	st	PROPN
fsr-3444	191	8	ic	ic	PROPN
fsr-3444	191	9	s	s	VERB
fsr-3444	191	10	fo	fo	INTJ
fsr-3444	191	11	r	r	NOUN
fsr-3444	192	1	c	c	NOUN
fsr-3444	192	2	h	h	NOUN
fsr-3444	192	3	ap	ap	NOUN
fsr-3444	193	1	te	te	PROPN
fsr-3444	193	2	r	r	NOUN
fsr-3444	193	3	1	1	NUM
fsr-3444	193	4	3	3	NUM
fsr-3444	193	5	fi	fi	NOUN
fsr-3444	193	6	le	le	X
fsr-3444	193	7	rs	rs	PROPN
fsr-3444	193	8	an	an	DET
fsr-3444	193	9	d	d	PROPN
fsr-3444	193	10	n	n	ADP
fsr-3444	193	11	o	o	NOUN
fsr-3444	193	12	n	n	CCONJ
fsr-3444	193	13	-fi	-fi	ADV
fsr-3444	193	14	le	le	X
fsr-3444	193	15	rs	rs	PROPN
fsr-3444	194	1	d	d	INTJ
fsr-3444	194	2	em	em	PRON
fsr-3444	194	3	o	o	INTJ
fsr-3444	194	4	g	g	NOUN
fsr-3444	194	5	ra	ra	PROPN
fsr-3444	195	1	p	p	PROPN
fsr-3444	195	2	h	h	NOUN
fsr-3444	195	3	ic	ic	PROPN
fsr-3444	196	1	an	an	DET
fsr-3444	196	2	d	d	PROPN
fsr-3444	196	3	fi	fi	NOUN
fsr-3444	196	4	n	n	CCONJ
fsr-3444	196	5	an	an	DET
fsr-3444	196	6	ci	ci	PROPN
fsr-3444	196	7	al	al	PROPN
fsr-3444	196	8	v	v	PROPN
fsr-3444	196	9	ar	ar	PROPN
fsr-3444	196	10	ia	ia	PROPN
fsr-3444	196	11	b	b	PROPN
fsr-3444	196	12	le	le	X
fsr-3444	196	13	s	s	PROPN
fsr-3444	196	14	f	f	X
fsr-3444	196	15	il	il	PROPN
fsr-3444	196	16	er	er	INTJ
fsr-3444	196	17	s	s	X
fsr-3444	196	18	(	(	PUNCT
fsr-3444	196	19	n	n	NOUN
fsr-3444	196	20	=	=	SYM
fsr-3444	196	21	3	3	NUM
fsr-3444	196	22	1	1	NUM
fsr-3444	196	23	4	4	NUM
fsr-3444	196	24	)	)	PUNCT
fsr-3444	196	25	(	(	PUNCT
fsr-3444	196	26	p	p	X
fsr-3444	196	27	er	er	INTJ
fsr-3444	196	28	ce	ce	PROPN
fsr-3444	196	29	n	n	PROPN
fsr-3444	196	30	t	t	PROPN
fsr-3444	196	31	)	)	PUNCT
fsr-3444	196	32	n	n	ADP
fsr-3444	196	33	o	o	NOUN
fsr-3444	196	34	n	n	CCONJ
fsr-3444	196	35	-fi	-fi	ADV
fsr-3444	196	36	le	le	X
fsr-3444	196	37	rs	rs	X
fsr-3444	196	38	(	(	PUNCT
fsr-3444	196	39	n	n	NOUN
fsr-3444	196	40	=	=	SYM
fsr-3444	196	41	2	2	NUM
fsr-3444	196	42	4	4	NUM
fsr-3444	196	43	6	6	NUM
fsr-3444	196	44	)	)	PUNCT
fsr-3444	196	45	(	(	PUNCT
fsr-3444	196	46	p	p	X
fsr-3444	196	47	er	er	INTJ
fsr-3444	196	48	ce	ce	PROPN
fsr-3444	196	49	n	n	PROPN
fsr-3444	196	50	t	t	PROPN
fsr-3444	196	51	)	)	PUNCT
fsr-3444	197	1	c	c	NOUN
fsr-3444	198	1	o	o	X
fsr-3444	198	2	d	d	X
fsr-3444	198	3	es	e	VERB
fsr-3444	198	4	1	1	NUM
fsr-3444	198	5	2	2	NUM
fsr-3444	198	6	3	3	NUM
fsr-3444	198	7	4	4	NUM
fsr-3444	198	8	5	5	NUM
fsr-3444	198	9	6	6	NUM
fsr-3444	198	10	7	7	NUM
fsr-3444	198	11	8	8	NUM
fsr-3444	198	12	1	1	NUM
fsr-3444	198	13	2	2	NUM
fsr-3444	198	14	3	3	NUM
fsr-3444	198	15	4	4	NUM
fsr-3444	198	16	5	5	NUM
fsr-3444	198	17	6	6	NUM
fsr-3444	198	18	7	7	NUM
fsr-3444	198	19	8	8	NUM
fsr-3444	198	20	1	1	NUM
fsr-3444	198	21	.	.	PUNCT
fsr-3444	199	1	g	g	PROPN
fsr-3444	199	2	en	en	PROPN
fsr-3444	199	3	d	d	X
fsr-3444	199	4	er	er	INTJ
fsr-3444	199	5	(	(	PUNCT
fsr-3444	199	6	1	1	NUM
fsr-3444	199	7	=	=	SYM
fsr-3444	199	8	m	m	VERB
fsr-3444	199	9	al	al	PROPN
fsr-3444	199	10	e	e	PROPN
fsr-3444	199	11	,	,	PUNCT
fsr-3444	199	12	2	2	NUM
fsr-3444	199	13	=	=	SYM
fsr-3444	199	14	fe	fe	X
fsr-3444	199	15	m	m	NOUN
fsr-3444	199	16	al	al	PROPN
fsr-3444	199	17	e	e	PROPN
fsr-3444	199	18	)	)	PUNCT
fsr-3444	199	19	4	4	NUM
fsr-3444	199	20	3	3	NUM
fsr-3444	199	21	.3	.3	NUM
fsr-3444	199	22	5	5	NUM
fsr-3444	199	23	6	6	NUM
fsr-3444	199	24	.7	.7	NUM
fsr-3444	199	25	2	2	NUM
fsr-3444	199	26	9	9	NUM
fsr-3444	199	27	.3	.3	NUM
fsr-3444	199	28	7	7	NUM
fsr-3444	199	29	0	0	NUM
fsr-3444	199	30	.7	.7	NUM
fsr-3444	199	31	2	2	NUM
fsr-3444	199	32	.	.	PUNCT
fsr-3444	200	1	a	a	DET
fsr-3444	200	2	g	g	PROPN
fsr-3444	200	3	e	e	X
fsr-3444	200	4	(	(	PUNCT
fsr-3444	200	5	1	1	NUM
fsr-3444	200	6	=	=	SYM
fsr-3444	200	7	1	1	NUM
fsr-3444	200	8	8	8	NUM
fsr-3444	200	9	to	to	PART
fsr-3444	200	10	2	2	NUM
fsr-3444	200	11	5	5	NUM
fsr-3444	200	12	,	,	PUNCT
fsr-3444	200	13	2	2	NUM
fsr-3444	200	14	=	=	SYM
fsr-3444	200	15	2	2	NUM
fsr-3444	200	16	6	6	NUM
fsr-3444	200	17	to	to	PART
fsr-3444	200	18	3	3	NUM
fsr-3444	200	19	5	5	NUM
fsr-3444	200	20	,	,	PUNCT
fsr-3444	200	21	3	3	NUM
fsr-3444	200	22	=	=	SYM
fsr-3444	200	23	3	3	NUM
fsr-3444	200	24	6	6	NUM
fsr-3444	200	25	to	to	PART
fsr-3444	200	26	5	5	NUM
fsr-3444	200	27	0	0	NUM
fsr-3444	200	28	,	,	PUNCT
fsr-3444	200	29	4	4	NUM
fsr-3444	200	30	=	=	SYM
fsr-3444	200	31	5	5	NUM
fsr-3444	200	32	1	1	NUM
fsr-3444	200	33	to	to	ADP
fsr-3444	200	34	6	6	NUM
fsr-3444	200	35	0	0	NUM
fsr-3444	200	36	,	,	PUNCT
fsr-3444	200	37	an	an	PRON
fsr-3444	200	38	d	d	NOUN
fsr-3444	200	39	5	5	NUM
fsr-3444	200	40	=	=	SYM
fsr-3444	200	41	6	6	NUM
fsr-3444	200	42	1	1	NUM
fsr-3444	200	43	+	+	CCONJ
fsr-3444	200	44	)	)	PUNCT
fsr-3444	200	45	1	1	NUM
fsr-3444	200	46	.3	.3	NUM
fsr-3444	200	47	1	1	NUM
fsr-3444	200	48	1	1	NUM
fsr-3444	200	49	.1	.1	NUM
fsr-3444	200	50	4	4	NUM
fsr-3444	200	51	7	7	NUM
fsr-3444	200	52	.5	.5	NUM
fsr-3444	200	53	2	2	NUM
fsr-3444	200	54	7	7	NUM
fsr-3444	200	55	.1	.1	NUM
fsr-3444	200	56	1	1	NUM
fsr-3444	200	57	3	3	NUM
fsr-3444	200	58	.1	.1	NUM
fsr-3444	200	59	1	1	NUM
fsr-3444	200	60	9	9	NUM
fsr-3444	200	61	.1	.1	NUM
fsr-3444	200	62	1	1	NUM
fsr-3444	200	63	7	7	NUM
fsr-3444	200	64	.1	.1	NUM
fsr-3444	200	65	3	3	NUM
fsr-3444	200	66	2	2	NUM
fsr-3444	200	67	.1	.1	NUM
fsr-3444	200	68	1	1	NUM
fsr-3444	200	69	9	9	NUM
fsr-3444	200	70	.9	.9	NUM
fsr-3444	200	71	1	1	NUM
fsr-3444	200	72	1	1	NUM
fsr-3444	200	73	.4	.4	NUM
fsr-3444	200	74	3	3	NUM
fsr-3444	200	75	.	.	PUNCT
fsr-3444	201	1	h	h	NOUN
fsr-3444	202	1	ig	ig	PROPN
fsr-3444	202	2	h	h	NOUN
fsr-3444	202	3	es	es	X
fsr-3444	202	4	t	t	PROPN
fsr-3444	202	5	le	le	X
fsr-3444	202	6	v	v	PROPN
fsr-3444	202	7	el	el	PROPN
fsr-3444	202	8	o	o	PROPN
fsr-3444	203	1	f	f	PROPN
fsr-3444	203	2	ed	ed	NOUN
fsr-3444	203	3	u	u	INTJ
fsr-3444	203	4	ca	can	AUX
fsr-3444	203	5	ti	ti	NOUN
fsr-3444	203	6	o	o	NOUN
fsr-3444	203	7	n	n	PROPN
fsr-3444	203	8	(	(	PUNCT
fsr-3444	203	9	1	1	NUM
fsr-3444	203	10	=	=	NOUN
fsr-3444	203	11	m	m	VERB
fsr-3444	203	12	i	i	NOUN
fsr-3444	203	13	d	d	PROPN
fsr-3444	203	14	d	d	X
fsr-3444	203	15	le	le	X
fsr-3444	203	16	sc	sc	PROPN
fsr-3444	204	1	h	h	NOUN
fsr-3444	205	1	o	o	NOUN
fsr-3444	205	2	o	o	X
fsr-3444	205	3	l	l	NOUN
fsr-3444	206	1	g	g	NOUN
fsr-3444	206	2	ra	ra	PROPN
fsr-3444	207	1	d	d	X
fsr-3444	207	2	u	u	NOUN
fsr-3444	207	3	at	at	ADP
fsr-3444	207	4	e	e	PROPN
fsr-3444	207	5	,	,	PUNCT
fsr-3444	207	6	2	2	NUM
fsr-3444	207	7	=	=	SYM
fsr-3444	207	8	h	h	NOUN
fsr-3444	208	1	ig	ig	PROPN
fsr-3444	208	2	h	h	PROPN
fsr-3444	208	3	sc	sc	NOUN
fsr-3444	209	1	h	h	NOUN
fsr-3444	210	1	o	o	NOUN
fsr-3444	210	2	o	o	X
fsr-3444	211	1	l	l	NOUN
fsr-3444	211	2	g	g	NOUN
fsr-3444	211	3	ra	ra	PROPN
fsr-3444	212	1	d	d	X
fsr-3444	212	2	u	u	NOUN
fsr-3444	212	3	at	at	ADP
fsr-3444	212	4	e	e	PROPN
fsr-3444	212	5	,	,	PUNCT
fsr-3444	212	6	3	3	NUM
fsr-3444	212	7	=	=	SYM
fsr-3444	213	1	so	so	ADV
fsr-3444	213	2	m	m	VERB
fsr-3444	213	3	e	e	NOUN
fsr-3444	213	4	co	co	X
fsr-3444	213	5	lle	lle	PROPN
fsr-3444	213	6	g	g	PROPN
fsr-3444	213	7	e	e	PROPN
fsr-3444	213	8	,	,	PUNCT
fsr-3444	213	9	4	4	NUM
fsr-3444	213	10	=	=	SYM
fsr-3444	213	11	co	co	NOUN
fsr-3444	213	12	m	m	PROPN
fsr-3444	213	13	m	m	VERB
fsr-3444	213	14	u	u	NOUN
fsr-3444	213	15	n	n	ADV
fsr-3444	214	1	it	it	PRON
fsr-3444	214	2	y	y	INTJ
fsr-3444	214	3	co	co	INTJ
fsr-3444	214	4	ll	ll	AUX
fsr-3444	214	5	eg	eg	VERB
fsr-3444	214	6	e	e	PROPN
fsr-3444	214	7	g	g	PROPN
fsr-3444	214	8	ra	ra	PROPN
fsr-3444	215	1	d	d	X
fsr-3444	215	2	u	u	NOUN
fsr-3444	215	3	at	at	ADP
fsr-3444	215	4	e	e	NOUN
fsr-3444	215	5	,	,	PUNCT
fsr-3444	215	6	5	5	NUM
fsr-3444	215	7	=	=	SYM
fsr-3444	216	1	fo	fo	ADP
fsr-3444	216	2	u	u	NOUN
fsr-3444	216	3	r	r	NOUN
fsr-3444	216	4	y	y	NOUN
fsr-3444	216	5	ea	ea	PROPN
fsr-3444	217	1	r	r	NOUN
fsr-3444	217	2	co	co	NOUN
fsr-3444	217	3	ll	ll	AUX
fsr-3444	217	4	eg	eg	VERB
fsr-3444	217	5	e	e	PROPN
fsr-3444	217	6	g	g	PROPN
fsr-3444	217	7	ra	ra	PROPN
fsr-3444	218	1	d	d	X
fsr-3444	218	2	u	u	NOUN
fsr-3444	218	3	at	at	ADP
fsr-3444	218	4	e	e	NOUN
fsr-3444	218	5	,	,	PUNCT
fsr-3444	218	6	6	6	NUM
fsr-3444	218	7	=	=	NOUN
fsr-3444	218	8	m	m	NOUN
fsr-3444	218	9	as	as	ADP
fsr-3444	218	10	te	te	INTJ
fsr-3444	218	11	rs	rs	X
fsr-3444	218	12	le	le	X
fsr-3444	218	13	v	v	PROPN
fsr-3444	218	14	el	el	PROPN
fsr-3444	218	15	g	g	PROPN
fsr-3444	218	16	ra	ra	PROPN
fsr-3444	219	1	d	d	X
fsr-3444	219	2	u	u	NOUN
fsr-3444	219	3	at	at	ADP
fsr-3444	219	4	e	e	PROPN
fsr-3444	219	5	,	,	PUNCT
fsr-3444	219	6	an	an	DET
fsr-3444	219	7	d	d	NOUN
fsr-3444	219	8	7	7	NUM
fsr-3444	220	1	=	=	SYM
fsr-3444	220	2	d	d	NOUN
fsr-3444	220	3	o	o	NOUN
fsr-3444	221	1	ct	ct	NUM
fsr-3444	221	2	o	o	INTJ
fsr-3444	221	3	ra	ra	INTJ
fsr-3444	222	1	te	te	INTJ
fsr-3444	222	2	le	le	X
fsr-3444	222	3	v	v	PROPN
fsr-3444	222	4	el	el	PROPN
fsr-3444	222	5	g	g	PROPN
fsr-3444	222	6	ra	ra	PROPN
fsr-3444	223	1	d	d	X
fsr-3444	223	2	u	u	NOUN
fsr-3444	223	3	at	at	ADP
fsr-3444	223	4	e	e	NOUN
fsr-3444	223	5	)	)	PUNCT
fsr-3444	223	6	5	5	NUM
fsr-3444	223	7	.4	.4	NUM
fsr-3444	223	8	3	3	NUM
fsr-3444	223	9	5	5	NUM
fsr-3444	223	10	.7	.7	NUM
fsr-3444	223	11	2	2	NUM
fsr-3444	223	12	9	9	NUM
fsr-3444	223	13	.3	.3	NUM
fsr-3444	223	14	1	1	NUM
fsr-3444	223	15	3	3	NUM
fsr-3444	223	16	.7	.7	NUM
fsr-3444	223	17	1	1	NUM
fsr-3444	223	18	1	1	NUM
fsr-3444	223	19	.5	.5	NUM
fsr-3444	223	20	3	3	NUM
fsr-3444	223	21	.5	.5	NUM
fsr-3444	223	22	1	1	NUM
fsr-3444	223	23	.0	.0	NUM
fsr-3444	223	24	2	2	NUM
fsr-3444	223	25	.4	.4	NUM
fsr-3444	223	26	1	1	NUM
fsr-3444	223	27	6	6	NUM
fsr-3444	223	28	.3	.3	NUM
fsr-3444	223	29	3	3	NUM
fsr-3444	223	30	1	1	NUM
fsr-3444	223	31	.3	.3	NUM
fsr-3444	223	32	1	1	NUM
fsr-3444	223	33	3	3	NUM
fsr-3444	223	34	.4	.4	NUM
fsr-3444	223	35	2	2	NUM
fsr-3444	223	36	2	2	NUM
fsr-3444	223	37	.4	.4	NUM
fsr-3444	223	38	1	1	NUM
fsr-3444	223	39	1	1	NUM
fsr-3444	223	40	.8	.8	NUM
fsr-3444	223	41	2	2	NUM
fsr-3444	223	42	.4	.4	NUM
fsr-3444	223	43	4	4	NUM
fsr-3444	223	44	.	.	PUNCT
fsr-3444	224	1	r	r	NOUN
fsr-3444	224	2	ac	ac	PROPN
fsr-3444	224	3	e	e	PROPN
fsr-3444	224	4	(	(	PUNCT
fsr-3444	224	5	1	1	NUM
fsr-3444	224	6	=	=	SYM
fsr-3444	224	7	w	w	NOUN
fsr-3444	224	8	h	h	NOUN
fsr-3444	224	9	it	it	PRON
fsr-3444	224	10	e	e	NOUN
fsr-3444	224	11	,	,	PUNCT
fsr-3444	224	12	2	2	NUM
fsr-3444	224	13	=	=	SYM
fsr-3444	224	14	b	b	PROPN
fsr-3444	224	15	la	la	INTJ
fsr-3444	224	16	ck	ck	PROPN
fsr-3444	224	17	,	,	PUNCT
fsr-3444	224	18	3	3	NUM
fsr-3444	224	19	=	=	SYM
fsr-3444	224	20	h	h	NOUN
fsr-3444	224	21	is	be	AUX
fsr-3444	224	22	p	p	PROPN
fsr-3444	224	23	an	an	DET
fsr-3444	224	24	ic	ic	PROPN
fsr-3444	224	25	,	,	PUNCT
fsr-3444	224	26	4	4	NUM
fsr-3444	224	27	=	=	SYM
fsr-3444	224	28	a	a	DET
fsr-3444	224	29	si	si	X
fsr-3444	224	30	an	an	PRON
fsr-3444	224	31	,	,	PUNCT
fsr-3444	224	32	an	an	DET
fsr-3444	224	33	d	d	NOUN
fsr-3444	224	34	5	5	NUM
fsr-3444	224	35	=	=	SYM
fsr-3444	224	36	o	o	X
fsr-3444	224	37	th	th	X
fsr-3444	224	38	er	er	INTJ
fsr-3444	224	39	)	)	PUNCT
fsr-3444	224	40	5	5	NUM
fsr-3444	224	41	1	1	NUM
fsr-3444	224	42	.9	.9	NUM
fsr-3444	224	43	4	4	NUM
fsr-3444	224	44	3	3	NUM
fsr-3444	224	45	.6	.6	NUM
fsr-3444	224	46	2	2	NUM
fsr-3444	224	47	.5	.5	NUM
fsr-3444	224	48	0	0	NUM
fsr-3444	224	49	.3	.3	NUM
fsr-3444	224	50	1	1	NUM
fsr-3444	224	51	.3	.3	NUM
fsr-3444	224	52	5	5	NUM
fsr-3444	224	53	8	8	NUM
fsr-3444	224	54	.5	.5	NUM
fsr-3444	224	55	3	3	NUM
fsr-3444	224	56	5	5	NUM
fsr-3444	224	57	.8	.8	NUM
fsr-3444	224	58	0	0	SYM
fsr-3444	225	1	.8	.8	NUM
fsr-3444	225	2	1	1	NUM
fsr-3444	226	1	.2	.2	NUM
fsr-3444	226	2	3	3	NUM
fsr-3444	226	3	.7	.7	NUM
fsr-3444	226	4	5	5	NUM
fsr-3444	226	5	.	.	PUNCT
fsr-3444	227	1	t	t	NOUN
fsr-3444	227	2	o	o	X
fsr-3444	228	1	ta	ta	X
fsr-3444	228	2	l	l	NOUN
fsr-3444	228	3	y	y	PROPN
fsr-3444	228	4	ea	ea	INTJ
fsr-3444	229	1	rs	rs	INTJ
fsr-3444	230	1	o	o	INTJ
fsr-3444	230	2	f	f	PROPN
fsr-3444	230	3	w	w	NOUN
fsr-3444	230	4	o	o	INTJ
fsr-3444	230	5	rk	rk	NOUN
fsr-3444	230	6	ex	ex	PUNCT
fsr-3444	230	7	p	p	X
fsr-3444	230	8	er	er	INTJ
fsr-3444	230	9	ie	ie	X
fsr-3444	230	10	n	n	PRON
fsr-3444	230	11	ce	ce	PROPN
fsr-3444	230	12	(	(	PUNCT
fsr-3444	230	13	1	1	NUM
fsr-3444	230	14	=	=	SYM
fsr-3444	230	15	0	0	NUM
fsr-3444	230	16	–	–	PUNCT
fsr-3444	230	17	3	3	NUM
fsr-3444	230	18	,	,	PUNCT
fsr-3444	230	19	2	2	NUM
fsr-3444	230	20	=	=	SYM
fsr-3444	230	21	4	4	NUM
fsr-3444	230	22	–	–	SYM
fsr-3444	230	23	6	6	NUM
fsr-3444	230	24	,	,	PUNCT
fsr-3444	230	25	3	3	NUM
fsr-3444	230	26	=	=	SYM
fsr-3444	230	27	7	7	NUM
fsr-3444	230	28	–	–	SYM
fsr-3444	230	29	1	1	NUM
fsr-3444	230	30	0	0	NUM
fsr-3444	230	31	,	,	PUNCT
fsr-3444	230	32	4	4	NUM
fsr-3444	230	33	=	=	SYM
fsr-3444	230	34	1	1	NUM
fsr-3444	230	35	1	1	NUM
fsr-3444	230	36	–	–	PUNCT
fsr-3444	230	37	1	1	NUM
fsr-3444	230	38	5	5	NUM
fsr-3444	230	39	,	,	PUNCT
fsr-3444	230	40	5	5	NUM
fsr-3444	230	41	=	=	SYM
fsr-3444	230	42	1	1	NUM
fsr-3444	230	43	6	6	NUM
fsr-3444	230	44	–	–	SYM
fsr-3444	230	45	2	2	NUM
fsr-3444	230	46	5	5	NUM
fsr-3444	230	47	,	,	PUNCT
fsr-3444	230	48	an	an	PRON
fsr-3444	230	49	d	d	NOUN
fsr-3444	230	50	6	6	NUM
fsr-3444	230	51	=	=	SYM
fsr-3444	230	52	2	2	NUM
fsr-3444	230	53	6	6	NUM
fsr-3444	230	54	+	+	CCONJ
fsr-3444	230	55	)	)	PUNCT
fsr-3444	230	56	3	3	NUM
fsr-3444	230	57	.2	.2	NUM
fsr-3444	230	58	2	2	NUM
fsr-3444	230	59	.5	.5	NUM
fsr-3444	230	60	6	6	NUM
fsr-3444	230	61	.1	.1	NUM
fsr-3444	230	62	2	2	NUM
fsr-3444	230	63	0	0	NUM
fsr-3444	230	64	.4	.4	NUM
fsr-3444	230	65	2	2	NUM
fsr-3444	230	66	3	3	NUM
fsr-3444	230	67	.2	.2	NUM
fsr-3444	230	68	4	4	NUM
fsr-3444	230	69	4	4	NUM
fsr-3444	230	70	.6	.6	NUM
fsr-3444	230	71	1	1	NUM
fsr-3444	230	72	1	1	NUM
fsr-3444	230	73	.4	.4	NUM
fsr-3444	230	74	8	8	NUM
fsr-3444	230	75	.9	.9	NUM
fsr-3444	230	76	1	1	NUM
fsr-3444	230	77	1	1	NUM
fsr-3444	230	78	.4	.4	NUM
fsr-3444	230	79	1	1	NUM
fsr-3444	230	80	4	4	NUM
fsr-3444	230	81	.6	.6	NUM
fsr-3444	230	82	1	1	NUM
fsr-3444	230	83	7	7	NUM
fsr-3444	230	84	.1	.1	NUM
fsr-3444	230	85	3	3	NUM
fsr-3444	230	86	5	5	NUM
fsr-3444	230	87	.4	.4	NUM
fsr-3444	230	88	6	6	NUM
fsr-3444	230	89	.	.	PUNCT
fsr-3444	231	1	l	l	NOUN
fsr-3444	231	2	ev	ev	INTJ
fsr-3444	232	1	el	el	PROPN
fsr-3444	232	2	o	o	PROPN
fsr-3444	232	3	f	f	X
fsr-3444	233	1	ca	can	AUX
fsr-3444	233	2	re	re	VERB
fsr-3444	233	3	er	er	INTJ
fsr-3444	233	4	(	(	PUNCT
fsr-3444	233	5	1	1	NUM
fsr-3444	233	6	=	=	SYM
fsr-3444	233	7	en	en	X
fsr-3444	233	8	tr	tr	PROPN
fsr-3444	233	9	y	y	PROPN
fsr-3444	233	10	le	le	PROPN
fsr-3444	233	11	v	v	PROPN
fsr-3444	233	12	el	el	PROPN
fsr-3444	233	13	,	,	PUNCT
fsr-3444	233	14	2	2	X
fsr-3444	233	15	=	=	SYM
fsr-3444	234	1	ex	ex	X
fsr-3444	234	2	p	p	NOUN
fsr-3444	234	3	er	er	INTJ
fsr-3444	234	4	ie	ie	X
fsr-3444	234	5	n	n	X
fsr-3444	234	6	ce	ce	PROPN
fsr-3444	234	7	d	d	X
fsr-3444	234	8	w	w	PROPN
fsr-3444	234	9	o	o	X
fsr-3444	234	10	rk	rk	NOUN
fsr-3444	234	11	er	er	INTJ
fsr-3444	234	12	,	,	PUNCT
fsr-3444	234	13	3	3	NUM
fsr-3444	234	14	=	=	SYM
fsr-3444	234	15	su	su	PROPN
fsr-3444	235	1	p	p	NOUN
fsr-3444	235	2	er	er	INTJ
fsr-3444	235	3	v	v	NOUN
fsr-3444	235	4	is	be	AUX
fsr-3444	235	5	o	o	NOUN
fsr-3444	235	6	r	r	NOUN
fsr-3444	235	7	le	le	X
fsr-3444	235	8	v	v	PROPN
fsr-3444	235	9	el	el	PROPN
fsr-3444	235	10	,	,	PUNCT
fsr-3444	235	11	4	4	NUM
fsr-3444	235	12	=	=	SYM
fsr-3444	235	13	m	m	VERB
fsr-3444	235	14	an	an	DET
fsr-3444	235	15	ag	ag	PROPN
fsr-3444	235	16	er	er	INTJ
fsr-3444	235	17	le	le	PROPN
fsr-3444	235	18	v	v	PROPN
fsr-3444	235	19	el	el	PROPN
fsr-3444	235	20	,	,	PUNCT
fsr-3444	235	21	an	an	PRON
fsr-3444	235	22	d	d	NOUN
fsr-3444	235	23	5	5	NUM
fsr-3444	235	24	=	=	SYM
fsr-3444	235	25	ex	ex	X
fsr-3444	235	26	ec	ec	PROPN
fsr-3444	235	27	u	u	NOUN
fsr-3444	235	28	ti	ti	X
fsr-3444	235	29	v	v	ADP
fsr-3444	235	30	e	e	X
fsr-3444	235	31	le	le	X
fsr-3444	235	32	v	v	PROPN
fsr-3444	235	33	el	el	PROPN
fsr-3444	235	34	)	)	PUNCT
fsr-3444	236	1	1	1	NUM
fsr-3444	236	2	0	0	NUM
fsr-3444	236	3	.8	.8	NUM
fsr-3444	236	4	5	5	NUM
fsr-3444	236	5	1	1	NUM
fsr-3444	236	6	.6	.6	NUM
fsr-3444	236	7	2	2	NUM
fsr-3444	236	8	0	0	NUM
fsr-3444	236	9	.1	.1	NUM
fsr-3444	236	10	1	1	NUM
fsr-3444	236	11	5	5	NUM
fsr-3444	236	12	.0	.0	NUM
fsr-3444	236	13	2	2	NUM
fsr-3444	236	14	.5	.5	NUM
fsr-3444	236	15	1	1	NUM
fsr-3444	236	16	6	6	NUM
fsr-3444	236	17	.7	.7	NUM
fsr-3444	236	18	5	5	NUM
fsr-3444	236	19	0	0	NUM
fsr-3444	236	20	.0	.0	NUM
fsr-3444	236	21	1	1	NUM
fsr-3444	236	22	3	3	NUM
fsr-3444	236	23	.0	.0	NUM
fsr-3444	236	24	1	1	NUM
fsr-3444	236	25	4	4	NUM
fsr-3444	236	26	.2	.2	NUM
fsr-3444	236	27	6	6	NUM
fsr-3444	236	28	.1	.1	NUM
fsr-3444	236	29	7	7	NUM
fsr-3444	236	30	.	.	PUNCT
fsr-3444	237	1	l	l	NOUN
fsr-3444	237	2	ev	ev	INTJ
fsr-3444	238	1	el	el	PROPN
fsr-3444	238	2	o	o	PROPN
fsr-3444	239	1	f	f	X
fsr-3444	240	1	p	p	X
fsr-3444	240	2	er	er	INTJ
fsr-3444	240	3	so	so	ADV
fsr-3444	240	4	n	n	ADV
fsr-3444	240	5	al	al	PROPN
fsr-3444	240	6	in	in	ADP
fsr-3444	240	7	co	co	PROPN
fsr-3444	240	8	m	m	PROPN
fsr-3444	240	9	e	e	NOUN
fsr-3444	240	10	(	(	PUNCT
fsr-3444	240	11	1	1	NUM
fsr-3444	240	12	=	=	NOUN
fsr-3444	240	13	<	<	X
fsr-3444	240	14	$	$	SYM
fsr-3444	240	15	2	2	NUM
fsr-3444	240	16	0	0	NUM
fsr-3444	241	1	k	k	NOUN
fsr-3444	241	2	,	,	PUNCT
fsr-3444	241	3	2	2	NUM
fsr-3444	241	4	=	=	SYM
fsr-3444	241	5	$	$	SYM
fsr-3444	241	6	2	2	NUM
fsr-3444	241	7	1	1	NUM
fsr-3444	241	8	–	–	PUNCT
fsr-3444	241	9	$	$	SYM
fsr-3444	241	10	3	3	NUM
fsr-3444	241	11	0	0	NUM
fsr-3444	242	1	k	k	NOUN
fsr-3444	242	2	,	,	PUNCT
fsr-3444	242	3	3	3	X
fsr-3444	242	4	=	=	SYM
fsr-3444	242	5	$	$	SYM
fsr-3444	242	6	3	3	NUM
fsr-3444	242	7	1	1	NUM
fsr-3444	242	8	–	–	PUNCT
fsr-3444	242	9	$	$	SYM
fsr-3444	242	10	4	4	NUM
fsr-3444	242	11	5	5	NUM
fsr-3444	242	12	k	k	NOUN
fsr-3444	242	13	,	,	PUNCT
fsr-3444	242	14	4	4	NUM
fsr-3444	242	15	=	=	SYM
fsr-3444	242	16	$	$	SYM
fsr-3444	242	17	4	4	NUM
fsr-3444	242	18	6	6	NUM
fsr-3444	242	19	–	–	PUNCT
fsr-3444	242	20	$	$	SYM
fsr-3444	242	21	7	7	NUM
fsr-3444	242	22	5	5	NUM
fsr-3444	242	23	k	k	NOUN
fsr-3444	242	24	,	,	PUNCT
fsr-3444	242	25	5	5	NUM
fsr-3444	242	26	=	=	SYM
fsr-3444	242	27	$	$	SYM
fsr-3444	242	28	7	7	NUM
fsr-3444	242	29	6	6	NUM
fsr-3444	242	30	–	–	PUNCT
fsr-3444	242	31	$	$	SYM
fsr-3444	242	32	1	1	NUM
fsr-3444	242	33	5	5	NUM
fsr-3444	242	34	0	0	NUM
fsr-3444	242	35	k	k	NOUN
fsr-3444	242	36	,	,	PUNCT
fsr-3444	242	37	6	6	NUM
fsr-3444	242	38	=	=	SYM
fsr-3444	242	39	>	>	SYM
fsr-3444	242	40	$	$	SYM
fsr-3444	242	41	1	1	NUM
fsr-3444	242	42	5	5	NUM
fsr-3444	242	43	0	0	NUM
fsr-3444	242	44	k	k	X
fsr-3444	242	45	)	)	PUNCT
fsr-3444	242	46	1	1	NUM
fsr-3444	242	47	9	9	NUM
fsr-3444	242	48	.7	.7	NUM
fsr-3444	242	49	2	2	NUM
fsr-3444	242	50	4	4	NUM
fsr-3444	242	51	.8	.8	NUM
fsr-3444	242	52	3	3	NUM
fsr-3444	242	53	2	2	NUM
fsr-3444	242	54	.8	.8	NUM
fsr-3444	242	55	1	1	NUM
fsr-3444	242	56	8	8	NUM
fsr-3444	242	57	.5	.5	NUM
fsr-3444	242	58	3	3	NUM
fsr-3444	242	59	.5	.5	NUM
fsr-3444	242	60	0	0	NUM
fsr-3444	243	1	.6	.6	NUM
fsr-3444	243	2	2	2	NUM
fsr-3444	243	3	6	6	NUM
fsr-3444	243	4	.0	.0	NUM
fsr-3444	243	5	1	1	NUM
fsr-3444	243	6	9	9	NUM
fsr-3444	243	7	.1	.1	NUM
fsr-3444	243	8	2	2	NUM
fsr-3444	243	9	8	8	NUM
fsr-3444	243	10	.0	.0	NUM
fsr-3444	243	11	1	1	NUM
fsr-3444	243	12	5	5	NUM
fsr-3444	243	13	.4	.4	NUM
fsr-3444	243	14	1	1	NUM
fsr-3444	243	15	0	0	NUM
fsr-3444	243	16	.2	.2	NUM
fsr-3444	243	17	1	1	NUM
fsr-3444	243	18	.2	.2	NUM
fsr-3444	243	19	8	8	NUM
fsr-3444	243	20	.	.	PUNCT
fsr-3444	244	1	in	in	ADP
fsr-3444	244	2	co	co	NOUN
fsr-3444	244	3	m	m	PROPN
fsr-3444	244	4	e	e	NOUN
fsr-3444	244	5	p	p	X
fsr-3444	244	6	o	o	X
fsr-3444	244	7	te	te	ADP
fsr-3444	244	8	n	n	CCONJ
fsr-3444	244	9	ti	ti	NOUN
fsr-3444	244	10	al	al	PROPN
fsr-3444	244	11	(	(	PUNCT
fsr-3444	244	12	1	1	NUM
fsr-3444	244	13	=	=	SYM
fsr-3444	244	14	h	h	NOUN
fsr-3444	244	15	ig	ig	PROPN
fsr-3444	244	16	h	h	NOUN
fsr-3444	244	17	,	,	PUNCT
fsr-3444	244	18	2	2	NUM
fsr-3444	244	19	=	=	SYM
fsr-3444	244	20	m	m	VERB
fsr-3444	244	21	ed	ed	NOUN
fsr-3444	244	22	iu	iu	ADP
fsr-3444	244	23	m	m	PROPN
fsr-3444	244	24	,	,	PUNCT
fsr-3444	244	25	3	3	X
fsr-3444	244	26	=	=	SYM
fsr-3444	244	27	lo	lo	PROPN
fsr-3444	244	28	w	w	NOUN
fsr-3444	244	29	,	,	PUNCT
fsr-3444	244	30	4	4	NUM
fsr-3444	244	31	=	=	SYM
fsr-3444	244	32	n	n	PART
fsr-3444	244	33	o	o	NOUN
fsr-3444	244	34	n	n	CCONJ
fsr-3444	244	35	e	e	NOUN
fsr-3444	244	36	,	,	PUNCT
fsr-3444	244	37	an	an	DET
fsr-3444	244	38	d	d	NOUN
fsr-3444	244	39	5	5	NUM
fsr-3444	244	40	=	=	SYM
fsr-3444	244	41	re	re	X
fsr-3444	244	42	ti	ti	X
fsr-3444	244	43	re	re	X
fsr-3444	244	44	d	d	NOUN
fsr-3444	244	45	)	)	PUNCT
fsr-3444	244	46	7	7	NUM
fsr-3444	244	47	.3	.3	NUM
fsr-3444	244	48	3	3	NUM
fsr-3444	244	49	5	5	NUM
fsr-3444	244	50	.7	.7	NUM
fsr-3444	244	51	3	3	NUM
fsr-3444	244	52	6	6	NUM
fsr-3444	244	53	.0	.0	NUM
fsr-3444	244	54	1	1	NUM
fsr-3444	244	55	3	3	NUM
fsr-3444	244	56	.7	.7	NUM
fsr-3444	244	57	7	7	NUM
fsr-3444	244	58	.3	.3	NUM
fsr-3444	244	59	1	1	NUM
fsr-3444	244	60	3	3	NUM
fsr-3444	244	61	.8	.8	NUM
fsr-3444	244	62	3	3	NUM
fsr-3444	244	63	8	8	NUM
fsr-3444	244	64	.6	.6	NUM
fsr-3444	244	65	3	3	NUM
fsr-3444	244	66	2	2	NUM
fsr-3444	244	67	.1	.1	NUM
fsr-3444	244	68	8	8	NUM
fsr-3444	244	69	.1	.1	NUM
fsr-3444	244	70	7	7	NUM
fsr-3444	244	71	.3	.3	NUM
fsr-3444	244	72	9	9	NUM
fsr-3444	244	73	.	.	PUNCT
fsr-3444	245	1	m	m	AUX
fsr-3444	245	2	ar	ar	VERB
fsr-3444	245	3	it	it	PRON
fsr-3444	245	4	al	al	PROPN
fsr-3444	245	5	st	st	PROPN
fsr-3444	246	1	at	at	ADP
fsr-3444	246	2	u	u	PROPN
fsr-3444	246	3	s	s	PART
fsr-3444	246	4	(	(	PUNCT
fsr-3444	246	5	1	1	NUM
fsr-3444	246	6	=	=	SYM
fsr-3444	246	7	m	m	PROPN
fsr-3444	246	8	ar	ar	PROPN
fsr-3444	246	9	ri	ri	PROPN
fsr-3444	246	10	ed	ed	PROPN
fsr-3444	246	11	,	,	PUNCT
fsr-3444	246	12	2	2	X
fsr-3444	246	13	=	=	SYM
fsr-3444	246	14	p	p	PROPN
fsr-3444	246	15	ar	ar	PROPN
fsr-3444	246	16	tn	tn	PROPN
fsr-3444	246	17	er	er	INTJ
fsr-3444	246	18	,	,	PUNCT
fsr-3444	246	19	3	3	NUM
fsr-3444	246	20	=	=	SYM
fsr-3444	246	21	si	si	PROPN
fsr-3444	246	22	n	n	CCONJ
fsr-3444	246	23	g	g	PROPN
fsr-3444	246	24	le	le	X
fsr-3444	246	25	,	,	PUNCT
fsr-3444	246	26	4	4	X
fsr-3444	246	27	=	=	SYM
fsr-3444	246	28	d	d	NOUN
fsr-3444	246	29	iv	iv	NUM
fsr-3444	246	30	o	o	PROPN
fsr-3444	246	31	rc	rc	PROPN
fsr-3444	246	32	ed	ed	PROPN
fsr-3444	246	33	,	,	PUNCT
fsr-3444	246	34	5	5	NUM
fsr-3444	246	35	=	=	SYM
fsr-3444	246	36	w	w	PROPN
fsr-3444	246	37	i	i	PROPN
fsr-3444	246	38	d	d	PROPN
fsr-3444	246	39	o	o	PROPN
fsr-3444	246	40	w	w	PROPN
fsr-3444	246	41	ed	ed	NOUN
fsr-3444	246	42	,	,	PUNCT
fsr-3444	246	43	6	6	NUM
fsr-3444	246	44	=	=	SYM
fsr-3444	246	45	se	se	PROPN
fsr-3444	246	46	p	p	PROPN
fsr-3444	246	47	ar	ar	PROPN
fsr-3444	246	48	at	at	ADP
fsr-3444	246	49	ed	ed	PROPN
fsr-3444	246	50	)	)	PUNCT
fsr-3444	246	51	6	6	NUM
fsr-3444	246	52	5	5	NUM
fsr-3444	246	53	.6	.6	NUM
fsr-3444	246	54	1	1	NUM
fsr-3444	246	55	8	8	NUM
fsr-3444	246	56	.2	.2	NUM
fsr-3444	246	57	1	1	NUM
fsr-3444	246	58	1	1	NUM
fsr-3444	246	59	.8	.8	NUM
fsr-3444	246	60	1	1	NUM
fsr-3444	246	61	.0	.0	NUM
fsr-3444	246	62	2	2	NUM
fsr-3444	246	63	.5	.5	NUM
fsr-3444	246	64	1	1	NUM
fsr-3444	246	65	.0	.0	NUM
fsr-3444	246	66	5	5	NUM
fsr-3444	246	67	2	2	NUM
fsr-3444	246	68	.8	.8	NUM
fsr-3444	246	69	1	1	NUM
fsr-3444	246	70	2	2	NUM
fsr-3444	246	71	.2	.2	NUM
fsr-3444	246	72	3	3	NUM
fsr-3444	246	73	0	0	NUM
fsr-3444	246	74	.9	.9	NUM
fsr-3444	246	75	2	2	NUM
fsr-3444	246	76	.0	.0	NUM
fsr-3444	246	77	1	1	NUM
fsr-3444	246	78	.2	.2	NUM
fsr-3444	246	79	0	0	NUM
fsr-3444	246	80	.8	.8	NUM
fsr-3444	246	81	1	1	NUM
fsr-3444	246	82	0	0	NUM
fsr-3444	246	83	.	.	PUNCT
fsr-3444	247	1	h	h	NOUN
fsr-3444	248	1	o	o	INTJ
fsr-3444	249	1	w	w	VERB
fsr-3444	249	2	m	m	VERB
fsr-3444	249	3	an	an	DET
fsr-3444	249	4	y	y	NOUN
fsr-3444	249	5	ti	ti	NOUN
fsr-3444	249	6	m	m	NOUN
fsr-3444	249	7	es	es	NOUN
fsr-3444	249	8	h	h	NOUN
fsr-3444	249	9	av	av	PROPN
fsr-3444	250	1	e	e	PROPN
fsr-3444	250	2	y	y	NOUN
fsr-3444	250	3	o	o	X
fsr-3444	250	4	u	u	PROPN
fsr-3444	250	5	b	b	PROPN
fsr-3444	250	6	ee	ee	ADP
fsr-3444	250	7	n	n	PROPN
fsr-3444	250	8	m	m	PROPN
fsr-3444	250	9	ar	ar	PROPN
fsr-3444	250	10	ri	ri	PROPN
fsr-3444	250	11	ed	ed	PROPN
fsr-3444	250	12	(	(	PUNCT
fsr-3444	250	13	1	1	NUM
fsr-3444	250	14	=	=	SYM
fsr-3444	250	15	o	o	PROPN
fsr-3444	250	16	n	n	X
fsr-3444	250	17	ce	ce	PROPN
fsr-3444	250	18	,	,	PUNCT
fsr-3444	250	19	2	2	NUM
fsr-3444	250	20	=	=	SYM
fsr-3444	250	21	tw	tw	X
fsr-3444	250	22	ic	ic	PROPN
fsr-3444	250	23	e	e	NOUN
fsr-3444	250	24	,	,	PUNCT
fsr-3444	250	25	3	3	NUM
fsr-3444	250	26	=	=	SYM
fsr-3444	250	27	th	th	X
fsr-3444	250	28	re	re	X
fsr-3444	250	29	e	e	X
fsr-3444	250	30	ti	ti	VERB
fsr-3444	250	31	m	m	VERB
fsr-3444	250	32	es	es	NOUN
fsr-3444	250	33	,	,	PUNCT
fsr-3444	250	34	4	4	NUM
fsr-3444	250	35	=	=	SYM
fsr-3444	250	36	n	n	PART
fsr-3444	250	37	ev	ev	INTJ
fsr-3444	250	38	er	er	INTJ
fsr-3444	250	39	)	)	PUNCT
fsr-3444	251	1	5	5	NUM
fsr-3444	251	2	7	7	NUM
fsr-3444	251	3	.6	.6	NUM
fsr-3444	251	4	2	2	NUM
fsr-3444	251	5	5	5	NUM
fsr-3444	251	6	.5	.5	NUM
fsr-3444	251	7	5	5	NUM
fsr-3444	251	8	.4	.4	NUM
fsr-3444	251	9	1	1	NUM
fsr-3444	251	10	1	1	NUM
fsr-3444	251	11	.5	.5	NUM
fsr-3444	251	12	4	4	NUM
fsr-3444	251	13	7	7	NUM
fsr-3444	251	14	.2	.2	NUM
fsr-3444	251	15	1	1	NUM
fsr-3444	251	16	8	8	NUM
fsr-3444	251	17	.3	.3	NUM
fsr-3444	251	18	4	4	NUM
fsr-3444	251	19	.1	.1	NUM
fsr-3444	251	20	2	2	NUM
fsr-3444	251	21	8	8	NUM
fsr-3444	251	22	.9	.9	NUM
fsr-3444	251	23	1	1	NUM
fsr-3444	251	24	1	1	NUM
fsr-3444	251	25	.	.	PUNCT
fsr-3444	252	1	n	n	CCONJ
fsr-3444	252	2	u	u	PROPN
fsr-3444	252	3	m	m	PROPN
fsr-3444	252	4	b	b	NOUN
fsr-3444	253	1	er	er	INTJ
fsr-3444	253	2	o	o	X
fsr-3444	253	3	f	f	PROPN
fsr-3444	253	4	ch	ch	PROPN
fsr-3444	253	5	il	il	PROPN
fsr-3444	253	6	d	d	PROPN
fsr-3444	253	7	re	re	ADP
fsr-3444	253	8	n	n	PROPN
fsr-3444	253	9	(	(	PUNCT
fsr-3444	253	10	1	1	NUM
fsr-3444	253	11	=	=	SYM
fsr-3444	253	12	n	n	PART
fsr-3444	253	13	o	o	NOUN
fsr-3444	253	14	n	n	CCONJ
fsr-3444	253	15	e	e	NOUN
fsr-3444	253	16	,	,	PUNCT
fsr-3444	253	17	2	2	NUM
fsr-3444	253	18	=	=	SYM
fsr-3444	253	19	1	1	NUM
fsr-3444	253	20	,	,	PUNCT
fsr-3444	253	21	3	3	NUM
fsr-3444	253	22	=	=	SYM
fsr-3444	253	23	2	2	NUM
fsr-3444	253	24	,	,	PUNCT
fsr-3444	253	25	4	4	NUM
fsr-3444	253	26	=	=	SYM
fsr-3444	253	27	3	3	NUM
fsr-3444	253	28	,	,	PUNCT
fsr-3444	253	29	5	5	NUM
fsr-3444	253	30	=	=	SYM
fsr-3444	253	31	4	4	NUM
fsr-3444	253	32	,	,	PUNCT
fsr-3444	253	33	an	an	DET
fsr-3444	253	34	d	d	NOUN
fsr-3444	253	35	6	6	NUM
fsr-3444	253	36	=	=	SYM
fsr-3444	253	37	5	5	NUM
fsr-3444	253	38	+	+	CCONJ
fsr-3444	253	39	)	)	PUNCT
fsr-3444	253	40	1	1	NUM
fsr-3444	253	41	1	1	NUM
fsr-3444	253	42	.1	.1	NUM
fsr-3444	253	43	2	2	NUM
fsr-3444	253	44	2	2	NUM
fsr-3444	253	45	.3	.3	NUM
fsr-3444	253	46	3	3	NUM
fsr-3444	253	47	6	6	NUM
fsr-3444	253	48	.3	.3	NUM
fsr-3444	253	49	1	1	NUM
fsr-3444	253	50	4	4	NUM
fsr-3444	253	51	.3	.3	NUM
fsr-3444	253	52	9	9	NUM
fsr-3444	253	53	.6	.6	NUM
fsr-3444	253	54	6	6	NUM
fsr-3444	253	55	.4	.4	NUM
fsr-3444	253	56	2	2	NUM
fsr-3444	253	57	8	8	NUM
fsr-3444	253	58	.5	.5	NUM
fsr-3444	253	59	1	1	NUM
fsr-3444	253	60	9	9	NUM
fsr-3444	253	61	.1	.1	NUM
fsr-3444	253	62	2	2	NUM
fsr-3444	253	63	4	4	NUM
fsr-3444	253	64	.8	.8	NUM
fsr-3444	253	65	1	1	NUM
fsr-3444	253	66	5	5	NUM
fsr-3444	253	67	.0	.0	NUM
fsr-3444	253	68	7	7	NUM
fsr-3444	253	69	.3	.3	NUM
fsr-3444	253	70	5	5	NUM
fsr-3444	253	71	.3	.3	NUM
fsr-3444	253	72	74	74	NUM
fsr-3444	253	73	s.	s.	PROPN
fsr-3444	253	74	e.	e.	PROPN
fsr-3444	253	75	kehiaian	kehiaian	PROPN
fsr-3444	253	76	et	et	PROPN
fsr-3444	253	77	al	al	PROPN
fsr-3444	253	78	.	.	PUNCT
fsr-3444	253	79	/	/	SYM
fsr-3444	253	80	financial	financial	ADJ
fsr-3444	253	81	services	service	NOUN
fsr-3444	253	82	review	review	VERB
fsr-3444	253	83	29	29	NUM
fsr-3444	253	84	(	(	PUNCT
fsr-3444	253	85	2021	2021	NUM
fsr-3444	253	86	)	)	PUNCT
fsr-3444	253	87	67–84	67–84	PROPN
fsr-3444	253	88	t	t	PROPN
fsr-3444	253	89	ab	ab	X
fsr-3444	253	90	le	le	X
fsr-3444	253	91	1	1	NUM
fsr-3444	253	92	(	(	PUNCT
fsr-3444	253	93	c	c	NOUN
fsr-3444	253	94	o	o	NOUN
fsr-3444	253	95	n	n	CCONJ
fsr-3444	253	96	ti	ti	NOUN
fsr-3444	253	97	n	n	CCONJ
fsr-3444	253	98	u	u	NOUN
fsr-3444	253	99	ed	ed	NOUN
fsr-3444	253	100	)	)	PUNCT
fsr-3444	254	1	d	d	NOUN
fsr-3444	254	2	em	em	PRON
fsr-3444	255	1	o	o	INTJ
fsr-3444	256	1	g	g	NOUN
fsr-3444	256	2	ra	ra	PROPN
fsr-3444	257	1	p	p	PROPN
fsr-3444	257	2	h	h	NOUN
fsr-3444	257	3	ic	ic	PROPN
fsr-3444	258	1	an	an	DET
fsr-3444	258	2	d	d	PROPN
fsr-3444	258	3	fi	fi	NOUN
fsr-3444	258	4	n	n	CCONJ
fsr-3444	258	5	an	an	DET
fsr-3444	258	6	ci	ci	PROPN
fsr-3444	258	7	al	al	PROPN
fsr-3444	258	8	v	v	PROPN
fsr-3444	258	9	ar	ar	PROPN
fsr-3444	258	10	ia	ia	PROPN
fsr-3444	258	11	b	b	PROPN
fsr-3444	258	12	le	le	X
fsr-3444	258	13	s	s	PROPN
fsr-3444	258	14	f	f	X
fsr-3444	258	15	il	il	PROPN
fsr-3444	258	16	er	er	INTJ
fsr-3444	258	17	s	s	X
fsr-3444	258	18	(	(	PUNCT
fsr-3444	258	19	n	n	NOUN
fsr-3444	258	20	=	=	SYM
fsr-3444	258	21	3	3	NUM
fsr-3444	258	22	1	1	NUM
fsr-3444	258	23	4	4	NUM
fsr-3444	258	24	)	)	PUNCT
fsr-3444	258	25	(	(	PUNCT
fsr-3444	258	26	p	p	X
fsr-3444	258	27	er	er	INTJ
fsr-3444	258	28	ce	ce	PROPN
fsr-3444	258	29	n	n	PROPN
fsr-3444	258	30	t	t	PROPN
fsr-3444	258	31	)	)	PUNCT
fsr-3444	258	32	n	n	ADP
fsr-3444	258	33	o	o	NOUN
fsr-3444	258	34	n	n	CCONJ
fsr-3444	258	35	-fi	-fi	ADV
fsr-3444	258	36	le	le	X
fsr-3444	258	37	rs	rs	X
fsr-3444	258	38	(	(	PUNCT
fsr-3444	258	39	n	n	NOUN
fsr-3444	258	40	=	=	SYM
fsr-3444	258	41	2	2	NUM
fsr-3444	258	42	4	4	NUM
fsr-3444	258	43	6	6	NUM
fsr-3444	258	44	)	)	PUNCT
fsr-3444	258	45	(	(	PUNCT
fsr-3444	258	46	p	p	X
fsr-3444	258	47	er	er	INTJ
fsr-3444	258	48	ce	ce	PROPN
fsr-3444	258	49	n	n	PROPN
fsr-3444	258	50	t	t	PROPN
fsr-3444	258	51	)	)	PUNCT
fsr-3444	259	1	c	c	NOUN
fsr-3444	260	1	o	o	X
fsr-3444	260	2	d	d	X
fsr-3444	260	3	es	e	VERB
fsr-3444	260	4	1	1	NUM
fsr-3444	260	5	2	2	NUM
fsr-3444	260	6	3	3	NUM
fsr-3444	260	7	4	4	NUM
fsr-3444	260	8	5	5	NUM
fsr-3444	260	9	6	6	NUM
fsr-3444	260	10	7	7	NUM
fsr-3444	260	11	8	8	NUM
fsr-3444	260	12	1	1	NUM
fsr-3444	260	13	2	2	NUM
fsr-3444	260	14	3	3	NUM
fsr-3444	260	15	4	4	NUM
fsr-3444	260	16	5	5	NUM
fsr-3444	260	17	6	6	NUM
fsr-3444	260	18	7	7	NUM
fsr-3444	260	19	8	8	NUM
fsr-3444	260	20	d	d	NOUN
fsr-3444	260	21	em	em	PRON
fsr-3444	260	22	o	o	INTJ
fsr-3444	261	1	g	g	NOUN
fsr-3444	261	2	ra	ra	PROPN
fsr-3444	262	1	p	p	NOUN
fsr-3444	262	2	h	h	NOUN
fsr-3444	262	3	ic	ic	PROPN
fsr-3444	262	4	v	v	PROPN
fsr-3444	262	5	ar	ar	PROPN
fsr-3444	262	6	ia	ia	PROPN
fsr-3444	262	7	b	b	PROPN
fsr-3444	262	8	le	le	PROPN
fsr-3444	262	9	s	s	X
fsr-3444	262	10	:	:	PUNCT
fsr-3444	262	11	1	1	NUM
fsr-3444	262	12	2	2	NUM
fsr-3444	262	13	.	.	PUNCT
fsr-3444	263	1	n	n	CCONJ
fsr-3444	263	2	u	u	PROPN
fsr-3444	263	3	m	m	PROPN
fsr-3444	263	4	b	b	NOUN
fsr-3444	263	5	er	er	INTJ
fsr-3444	263	6	o	o	X
fsr-3444	263	7	f	f	PROPN
fsr-3444	263	8	ch	ch	PROPN
fsr-3444	263	9	il	il	PROPN
fsr-3444	263	10	d	d	PROPN
fsr-3444	263	11	re	re	X
fsr-3444	263	12	n	n	PROPN
fsr-3444	263	13	li	li	PROPN
fsr-3444	263	14	v	v	NOUN
fsr-3444	263	15	in	in	ADP
fsr-3444	263	16	g	g	PROPN
fsr-3444	263	17	at	at	ADP
fsr-3444	263	18	h	h	NOUN
fsr-3444	263	19	o	o	NOUN
fsr-3444	263	20	m	m	VERB
fsr-3444	263	21	e	e	X
fsr-3444	263	22	(	(	PUNCT
fsr-3444	263	23	1	1	NUM
fsr-3444	263	24	=	=	SYM
fsr-3444	263	25	n	n	PART
fsr-3444	263	26	o	o	NOUN
fsr-3444	263	27	n	n	CCONJ
fsr-3444	263	28	e	e	NOUN
fsr-3444	263	29	,	,	PUNCT
fsr-3444	263	30	2	2	NUM
fsr-3444	263	31	=	=	SYM
fsr-3444	263	32	1	1	NUM
fsr-3444	263	33	,	,	PUNCT
fsr-3444	263	34	3	3	NUM
fsr-3444	263	35	=	=	SYM
fsr-3444	263	36	2	2	NUM
fsr-3444	263	37	,	,	PUNCT
fsr-3444	263	38	4	4	NUM
fsr-3444	263	39	=	=	SYM
fsr-3444	263	40	3	3	NUM
fsr-3444	263	41	,	,	PUNCT
fsr-3444	263	42	5	5	NUM
fsr-3444	263	43	=	=	SYM
fsr-3444	263	44	4	4	NUM
fsr-3444	263	45	,	,	PUNCT
fsr-3444	263	46	an	an	DET
fsr-3444	263	47	d	d	NOUN
fsr-3444	263	48	6	6	NUM
fsr-3444	263	49	=	=	SYM
fsr-3444	263	50	5	5	NUM
fsr-3444	263	51	+	+	CCONJ
fsr-3444	263	52	)	)	PUNCT
fsr-3444	264	1	4	4	NUM
fsr-3444	264	2	0	0	NUM
fsr-3444	264	3	.4	.4	NUM
fsr-3444	264	4	3	3	NUM
fsr-3444	264	5	0	0	NUM
fsr-3444	264	6	.6	.6	NUM
fsr-3444	264	7	1	1	NUM
fsr-3444	264	8	9	9	NUM
fsr-3444	264	9	.1	.1	NUM
fsr-3444	264	10	6	6	NUM
fsr-3444	264	11	.1	.1	NUM
fsr-3444	264	12	3	3	NUM
fsr-3444	264	13	.8	.8	PROPN
fsr-3444	264	14	5	5	NUM
fsr-3444	264	15	0	0	NUM
fsr-3444	264	16	.8	.8	NUM
fsr-3444	264	17	2	2	NUM
fsr-3444	264	18	4	4	NUM
fsr-3444	264	19	.0	.0	NUM
fsr-3444	264	20	1	1	NUM
fsr-3444	264	21	6	6	NUM
fsr-3444	264	22	.3	.3	NUM
fsr-3444	264	23	6	6	NUM
fsr-3444	264	24	.5	.5	NUM
fsr-3444	264	25	1	1	NUM
fsr-3444	264	26	.2	.2	NUM
fsr-3444	264	27	1	1	NUM
fsr-3444	264	28	.2	.2	NUM
fsr-3444	264	29	1	1	NUM
fsr-3444	264	30	3	3	NUM
fsr-3444	264	31	.	.	PUNCT
fsr-3444	265	1	t	t	PROPN
fsr-3444	265	2	y	y	PROPN
fsr-3444	265	3	p	p	X
fsr-3444	265	4	e	e	X
fsr-3444	265	5	o	o	X
fsr-3444	265	6	f	f	X
fsr-3444	265	7	re	re	VERB
fsr-3444	265	8	li	li	PROPN
fsr-3444	265	9	g	g	PROPN
fsr-3444	265	10	io	io	PROPN
fsr-3444	265	11	n	n	PROPN
fsr-3444	265	12	(	(	PUNCT
fsr-3444	265	13	1	1	NUM
fsr-3444	265	14	=	=	SYM
fsr-3444	265	15	p	p	X
fsr-3444	265	16	ro	ro	X
fsr-3444	265	17	te	te	INTJ
fsr-3444	265	18	st	st	PROPN
fsr-3444	265	19	an	an	DET
fsr-3444	265	20	t	t	PROPN
fsr-3444	265	21	,	,	PUNCT
fsr-3444	265	22	2	2	NUM
fsr-3444	265	23	=	=	SYM
fsr-3444	265	24	c	c	NOUN
fsr-3444	265	25	at	at	ADP
fsr-3444	265	26	h	h	NOUN
fsr-3444	265	27	o	o	PROPN
fsr-3444	265	28	li	li	PROPN
fsr-3444	265	29	c	c	X
fsr-3444	265	30	,	,	PUNCT
fsr-3444	265	31	3	3	NUM
fsr-3444	265	32	=	=	SYM
fsr-3444	265	33	m	m	VERB
fsr-3444	265	34	o	o	NOUN
fsr-3444	265	35	rm	rm	X
fsr-3444	265	36	o	o	PROPN
fsr-3444	265	37	n	n	PROPN
fsr-3444	265	38	,	,	PUNCT
fsr-3444	265	39	4	4	NUM
fsr-3444	265	40	=	=	SYM
fsr-3444	265	41	f	f	X
fsr-3444	265	42	ri	ri	PROPN
fsr-3444	266	1	en	en	PROPN
fsr-3444	266	2	d	d	PROPN
fsr-3444	266	3	s	s	PROPN
fsr-3444	266	4	,	,	PUNCT
fsr-3444	266	5	5	5	NUM
fsr-3444	266	6	=	=	SYM
fsr-3444	266	7	b	b	PROPN
fsr-3444	266	8	ap	ap	PROPN
fsr-3444	266	9	ti	ti	PROPN
fsr-3444	266	10	st	st	PROPN
fsr-3444	266	11	,	,	PUNCT
fsr-3444	266	12	6	6	NUM
fsr-3444	266	13	=	=	SYM
fsr-3444	266	14	n	n	PART
fsr-3444	266	15	o	o	NOUN
fsr-3444	267	1	n	n	CCONJ
fsr-3444	267	2	-d	-d	NUM
fsr-3444	267	3	en	en	X
fsr-3444	267	4	o	o	X
fsr-3444	267	5	m	m	VERB
fsr-3444	267	6	in	in	ADP
fsr-3444	267	7	at	at	ADP
fsr-3444	267	8	io	io	PROPN
fsr-3444	267	9	n	n	PROPN
fsr-3444	267	10	,	,	PUNCT
fsr-3444	267	11	7	7	NUM
fsr-3444	267	12	=	=	SYM
fsr-3444	267	13	m	m	VERB
fsr-3444	267	14	et	et	NOUN
fsr-3444	267	15	h	h	NOUN
fsr-3444	268	1	o	o	NOUN
fsr-3444	268	2	d	d	X
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fsr-3444	268	4	t	t	PROPN
fsr-3444	268	5	,	,	PUNCT
fsr-3444	268	6	8	8	NUM
fsr-3444	268	7	=	=	SYM
fsr-3444	268	8	m	m	VERB
fsr-3444	268	9	u	u	NOUN
fsr-3444	268	10	sl	sl	INTJ
fsr-3444	268	11	i	i	PRON
fsr-3444	268	12	m	m	PROPN
fsr-3444	268	13	,	,	PUNCT
fsr-3444	268	14	je	je	PROPN
fsr-3444	268	15	w	w	PROPN
fsr-3444	268	16	is	be	AUX
fsr-3444	268	17	h	h	NOUN
fsr-3444	268	18	,	,	PUNCT
fsr-3444	269	1	l	l	PUNCT
fsr-3444	269	2	u	u	X
fsr-3444	269	3	th	th	X
fsr-3444	269	4	er	er	INTJ
fsr-3444	269	5	an	an	PRON
fsr-3444	269	6	,	,	PUNCT
fsr-3444	269	7	b	b	SYM
fsr-3444	269	8	u	u	X
fsr-3444	269	9	d	d	PROPN
fsr-3444	269	10	d	d	X
fsr-3444	269	11	h	h	NOUN
fsr-3444	269	12	is	be	AUX
fsr-3444	269	13	t	t	PROPN
fsr-3444	269	14	,	,	PUNCT
fsr-3444	269	15	an	an	DET
fsr-3444	269	16	d	d	X
fsr-3444	269	17	d	d	X
fsr-3444	269	18	o	o	NOUN
fsr-3444	269	19	n	n	CCONJ
fsr-3444	269	20	’	'	PUNCT
fsr-3444	269	21	t	t	PROPN
fsr-3444	269	22	b	b	PROPN
fsr-3444	269	23	el	el	PROPN
fsr-3444	269	24	ie	ie	PROPN
fsr-3444	269	25	v	v	X
fsr-3444	269	26	e	e	PROPN
fsr-3444	269	27	9	9	NUM
fsr-3444	270	1	.2	.2	NUM
fsr-3444	270	2	2	2	NUM
fsr-3444	270	3	.5	.5	NUM
fsr-3444	270	4	0	0	NUM
fsr-3444	270	5	.3	.3	NUM
fsr-3444	270	6	0	0	NUM
fsr-3444	270	7	.3	.3	NUM
fsr-3444	270	8	5	5	NUM
fsr-3444	270	9	4	4	NUM
fsr-3444	270	10	.5	.5	NUM
fsr-3444	270	11	2	2	NUM
fsr-3444	270	12	7	7	NUM
fsr-3444	270	13	.4	.4	NUM
fsr-3444	270	14	1	1	NUM
fsr-3444	270	15	.6	.6	NUM
fsr-3444	270	16	4	4	NUM
fsr-3444	270	17	.0	.0	NUM
fsr-3444	270	18	1	1	NUM
fsr-3444	270	19	6	6	NUM
fsr-3444	270	20	.7	.7	NUM
fsr-3444	270	21	4	4	NUM
fsr-3444	270	22	.9	.9	NUM
fsr-3444	270	23	0	0	PUNCT
fsr-3444	271	1	.4	.4	NUM
fsr-3444	271	2	3	3	NUM
fsr-3444	271	3	.3	.3	NUM
fsr-3444	271	4	2	2	NUM
fsr-3444	271	5	3	3	NUM
fsr-3444	271	6	.2	.2	NUM
fsr-3444	271	7	4	4	NUM
fsr-3444	271	8	7	7	NUM
fsr-3444	271	9	.6	.6	NUM
fsr-3444	271	10	1	1	NUM
fsr-3444	271	11	.2	.2	NUM
fsr-3444	271	12	3	3	NUM
fsr-3444	271	13	.7	.7	NUM
fsr-3444	271	14	1	1	NUM
fsr-3444	271	15	4	4	NUM
fsr-3444	271	16	.	.	PUNCT
fsr-3444	272	1	l	l	NOUN
fsr-3444	272	2	ev	ev	INTJ
fsr-3444	273	1	el	el	PROPN
fsr-3444	273	2	o	o	PROPN
fsr-3444	273	3	f	f	X
fsr-3444	273	4	re	re	VERB
fsr-3444	273	5	li	li	PROPN
fsr-3444	273	6	g	g	PROPN
fsr-3444	273	7	io	io	PROPN
fsr-3444	273	8	u	u	PROPN
fsr-3444	273	9	s	s	X
fsr-3444	273	10	co	co	NOUN
fsr-3444	273	11	m	m	VERB
fsr-3444	273	12	m	m	VERB
fsr-3444	273	13	it	it	PRON
fsr-3444	273	14	m	m	VERB
fsr-3444	273	15	en	en	ADP
fsr-3444	273	16	t	t	PROPN
fsr-3444	273	17	(	(	PUNCT
fsr-3444	273	18	1	1	NUM
fsr-3444	273	19	=	=	SYM
fsr-3444	273	20	n	n	PART
fsr-3444	273	21	o	o	NOUN
fsr-3444	273	22	n	n	CCONJ
fsr-3444	273	23	e	e	NOUN
fsr-3444	273	24	,	,	PUNCT
fsr-3444	273	25	2	2	NUM
fsr-3444	273	26	=	=	SYM
fsr-3444	273	27	lo	lo	PROPN
fsr-3444	273	28	w	w	NOUN
fsr-3444	273	29	,	,	PUNCT
fsr-3444	273	30	3	3	X
fsr-3444	273	31	=	=	SYM
fsr-3444	274	1	so	so	ADV
fsr-3444	274	2	m	m	VERB
fsr-3444	274	3	ew	ew	INTJ
fsr-3444	274	4	h	h	NOUN
fsr-3444	274	5	at	at	ADP
fsr-3444	274	6	,	,	PUNCT
fsr-3444	274	7	an	an	DET
fsr-3444	274	8	d	d	NOUN
fsr-3444	274	9	4	4	NUM
fsr-3444	274	10	=	=	SYM
fsr-3444	274	11	h	h	NOUN
fsr-3444	274	12	ig	ig	PROPN
fsr-3444	274	13	h	h	NOUN
fsr-3444	274	14	)	)	PUNCT
fsr-3444	274	15	7	7	NUM
fsr-3444	274	16	.0	.0	NUM
fsr-3444	274	17	2	2	NUM
fsr-3444	274	18	0	0	NUM
fsr-3444	275	1	.4	.4	NUM
fsr-3444	275	2	2	2	NUM
fsr-3444	275	3	9	9	NUM
fsr-3444	275	4	.9	.9	NUM
fsr-3444	275	5	4	4	NUM
fsr-3444	275	6	2	2	NUM
fsr-3444	275	7	.7	.7	NUM
fsr-3444	275	8	5	5	NUM
fsr-3444	275	9	.3	.3	NUM
fsr-3444	275	10	1	1	NUM
fsr-3444	275	11	3	3	NUM
fsr-3444	275	12	.8	.8	NUM
fsr-3444	275	13	2	2	NUM
fsr-3444	275	14	5	5	NUM
fsr-3444	275	15	.2	.2	NUM
fsr-3444	275	16	5	5	NUM
fsr-3444	275	17	5	5	NUM
fsr-3444	275	18	.7	.7	NUM
fsr-3444	275	19	1	1	NUM
fsr-3444	275	20	5	5	NUM
fsr-3444	275	21	.	.	PUNCT
fsr-3444	276	1	p	p	PROPN
fsr-3444	276	2	ri	ri	PROPN
fsr-3444	276	3	m	m	PROPN
fsr-3444	276	4	ar	ar	PROPN
fsr-3444	276	5	y	y	PROPN
fsr-3444	276	6	re	re	X
fsr-3444	276	7	si	si	PROPN
fsr-3444	276	8	d	d	PROPN
fsr-3444	276	9	en	en	PROPN
fsr-3444	276	10	ce	ce	PROPN
fsr-3444	276	11	(	(	PUNCT
fsr-3444	276	12	1	1	NUM
fsr-3444	276	13	=	=	SYM
fsr-3444	276	14	o	o	NOUN
fsr-3444	276	15	w	w	NOUN
fsr-3444	276	16	n	n	PROPN
fsr-3444	276	17	,	,	PUNCT
fsr-3444	276	18	an	an	DET
fsr-3444	276	19	d	d	NOUN
fsr-3444	276	20	2	2	NUM
fsr-3444	276	21	=	=	SYM
fsr-3444	276	22	re	re	X
fsr-3444	276	23	n	n	PROPN
fsr-3444	276	24	t	t	PROPN
fsr-3444	276	25	)	)	PUNCT
fsr-3444	276	26	8	8	NUM
fsr-3444	276	27	3	3	NUM
fsr-3444	276	28	.4	.4	NUM
fsr-3444	276	29	1	1	NUM
fsr-3444	276	30	6	6	NUM
fsr-3444	276	31	.5	.5	NUM
fsr-3444	276	32	5	5	NUM
fsr-3444	276	33	8	8	NUM
fsr-3444	276	34	.5	.5	NUM
fsr-3444	276	35	4	4	NUM
fsr-3444	276	36	1	1	NUM
fsr-3444	276	37	.5	.5	NUM
fsr-3444	276	38	1	1	NUM
fsr-3444	276	39	6	6	NUM
fsr-3444	276	40	.	.	PUNCT
fsr-3444	277	1	p	p	X
fsr-3444	277	2	ar	ar	PROPN
fsr-3444	277	3	en	en	X
fsr-3444	277	4	ts	ts	NOUN
fsr-3444	277	5	’	'	PUNCT
fsr-3444	277	6	h	h	NOUN
fsr-3444	277	7	ig	ig	PROPN
fsr-3444	277	8	h	h	NOUN
fsr-3444	277	9	es	es	X
fsr-3444	277	10	t	t	PROPN
fsr-3444	278	1	ed	ed	NOUN
fsr-3444	278	2	u	u	INTJ
fsr-3444	278	3	ca	can	AUX
fsr-3444	278	4	ti	ti	NOUN
fsr-3444	278	5	o	o	PROPN
fsr-3444	278	6	n	n	ADV
fsr-3444	278	7	le	le	X
fsr-3444	278	8	v	v	PROPN
fsr-3444	278	9	el	el	PROPN
fsr-3444	278	10	(	(	PUNCT
fsr-3444	278	11	1	1	NUM
fsr-3444	278	12	=	=	SYM
fsr-3444	278	13	n	n	PART
fsr-3444	278	14	o	o	NOUN
fsr-3444	278	15	n	n	CCONJ
fsr-3444	278	16	e	e	NOUN
fsr-3444	278	17	,	,	PUNCT
fsr-3444	278	18	2	2	NUM
fsr-3444	278	19	=	=	SYM
fsr-3444	278	20	m	m	VERB
fsr-3444	278	21	i	i	NOUN
fsr-3444	278	22	d	d	PROPN
fsr-3444	278	23	d	d	X
fsr-3444	278	24	le	le	X
fsr-3444	278	25	sc	sc	PROPN
fsr-3444	279	1	h	h	NOUN
fsr-3444	280	1	o	o	NOUN
fsr-3444	280	2	o	o	X
fsr-3444	281	1	l	l	NOUN
fsr-3444	281	2	g	g	NOUN
fsr-3444	281	3	ra	ra	PROPN
fsr-3444	281	4	d	d	NOUN
fsr-3444	281	5	,	,	PUNCT
fsr-3444	281	6	3	3	NUM
fsr-3444	281	7	=	=	SYM
fsr-3444	281	8	h	h	NOUN
fsr-3444	282	1	ig	ig	PROPN
fsr-3444	282	2	h	h	PROPN
fsr-3444	282	3	sc	sc	NOUN
fsr-3444	283	1	h	h	NOUN
fsr-3444	284	1	o	o	NOUN
fsr-3444	284	2	o	o	X
fsr-3444	285	1	l	l	NOUN
fsr-3444	285	2	g	g	NOUN
fsr-3444	285	3	ra	ra	PROPN
fsr-3444	285	4	d	d	NOUN
fsr-3444	285	5	,	,	PUNCT
fsr-3444	285	6	4	4	NUM
fsr-3444	285	7	=	=	SYM
fsr-3444	286	1	so	so	ADV
fsr-3444	286	2	m	m	VERB
fsr-3444	286	3	e	e	NOUN
fsr-3444	286	4	co	co	NOUN
fsr-3444	286	5	ll	ll	AUX
fsr-3444	286	6	eg	eg	VERB
fsr-3444	286	7	e	e	PROPN
fsr-3444	286	8	n	n	CCONJ
fsr-3444	286	9	o	o	X
fsr-3444	286	10	d	d	X
fsr-3444	286	11	eg	eg	X
fsr-3444	286	12	re	re	ADP
fsr-3444	286	13	e	e	PROPN
fsr-3444	286	14	,	,	PUNCT
fsr-3444	286	15	5	5	NUM
fsr-3444	286	16	=	=	SYM
fsr-3444	286	17	co	co	NOUN
fsr-3444	286	18	m	m	PROPN
fsr-3444	286	19	m	m	VERB
fsr-3444	286	20	u	u	NOUN
fsr-3444	286	21	n	n	ADV
fsr-3444	286	22	it	it	PRON
fsr-3444	287	1	y	y	INTJ
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fsr-3444	287	3	ll	ll	AUX
fsr-3444	287	4	eg	eg	VERB
fsr-3444	287	5	e	e	PROPN
fsr-3444	287	6	g	g	PROPN
fsr-3444	287	7	ra	ra	PROPN
fsr-3444	288	1	d	d	X
fsr-3444	288	2	u	u	NOUN
fsr-3444	288	3	at	at	ADP
fsr-3444	288	4	e	e	NOUN
fsr-3444	288	5	,	,	PUNCT
fsr-3444	288	6	6	6	NUM
fsr-3444	288	7	=	=	SYM
fsr-3444	289	1	fo	fo	ADP
fsr-3444	289	2	u	u	NOUN
fsr-3444	289	3	r	r	NOUN
fsr-3444	289	4	y	y	PROPN
fsr-3444	289	5	ea	ea	PROPN
fsr-3444	289	6	r	r	NOUN
fsr-3444	289	7	co	co	NOUN
fsr-3444	289	8	lle	lle	PROPN
fsr-3444	289	9	g	g	PROPN
fsr-3444	289	10	e	e	PROPN
fsr-3444	289	11	g	g	PROPN
fsr-3444	289	12	ra	ra	PROPN
fsr-3444	290	1	d	d	PROPN
fsr-3444	290	2	u	u	NOUN
fsr-3444	290	3	at	at	ADP
fsr-3444	290	4	e	e	PROPN
fsr-3444	290	5	,	,	PUNCT
fsr-3444	290	6	7	7	NUM
fsr-3444	290	7	=	=	SYM
fsr-3444	290	8	m	m	NOUN
fsr-3444	290	9	as	as	ADP
fsr-3444	290	10	te	te	INTJ
fsr-3444	290	11	rs	rs	X
fsr-3444	290	12	le	le	X
fsr-3444	290	13	v	v	PROPN
fsr-3444	290	14	el	el	PROPN
fsr-3444	290	15	g	g	PROPN
fsr-3444	290	16	ra	ra	PROPN
fsr-3444	291	1	d	d	X
fsr-3444	291	2	u	u	NOUN
fsr-3444	291	3	at	at	ADP
fsr-3444	291	4	e	e	PROPN
fsr-3444	291	5	,	,	PUNCT
fsr-3444	291	6	an	an	DET
fsr-3444	291	7	d	d	NOUN
fsr-3444	291	8	8	8	NUM
fsr-3444	292	1	=	=	SYM
fsr-3444	292	2	d	d	NOUN
fsr-3444	292	3	o	o	NOUN
fsr-3444	293	1	ct	ct	NUM
fsr-3444	293	2	o	o	INTJ
fsr-3444	293	3	ra	ra	INTJ
fsr-3444	294	1	te	te	INTJ
fsr-3444	294	2	le	le	X
fsr-3444	294	3	v	v	PROPN
fsr-3444	294	4	el	el	PROPN
fsr-3444	294	5	g	g	PROPN
fsr-3444	294	6	ra	ra	PROPN
fsr-3444	295	1	d	d	X
fsr-3444	295	2	u	u	NOUN
fsr-3444	295	3	at	at	ADP
fsr-3444	295	4	e	e	NOUN
fsr-3444	295	5	)	)	PUNCT
fsr-3444	295	6	5	5	NUM
fsr-3444	295	7	.7	.7	NUM
fsr-3444	295	8	1	1	NUM
fsr-3444	295	9	9	9	NUM
fsr-3444	295	10	.4	.4	NUM
fsr-3444	295	11	4	4	NUM
fsr-3444	295	12	9	9	NUM
fsr-3444	295	13	.7	.7	NUM
fsr-3444	295	14	1	1	NUM
fsr-3444	295	15	0	0	NUM
fsr-3444	295	16	.8	.8	NUM
fsr-3444	295	17	5	5	NUM
fsr-3444	295	18	.1	.1	NUM
fsr-3444	295	19	6	6	NUM
fsr-3444	295	20	.4	.4	NUM
fsr-3444	295	21	2	2	NUM
fsr-3444	295	22	.5	.5	NUM
fsr-3444	295	23	0	0	NUM
fsr-3444	296	1	.4	.4	NUM
fsr-3444	296	2	1	1	NUM
fsr-3444	296	3	2	2	NUM
fsr-3444	296	4	.6	.6	NUM
fsr-3444	296	5	3	3	NUM
fsr-3444	296	6	5	5	NUM
fsr-3444	296	7	.8	.8	NUM
fsr-3444	296	8	1	1	NUM
fsr-3444	296	9	9	9	NUM
fsr-3444	296	10	.9	.9	NUM
fsr-3444	296	11	8	8	NUM
fsr-3444	296	12	.5	.5	NUM
fsr-3444	296	13	1	1	NUM
fsr-3444	296	14	3	3	NUM
fsr-3444	296	15	.0	.0	NUM
fsr-3444	296	16	8	8	NUM
fsr-3444	296	17	.5	.5	NUM
fsr-3444	296	18	1	1	NUM
fsr-3444	296	19	.2	.2	NUM
fsr-3444	296	20	1	1	NUM
fsr-3444	296	21	7	7	NUM
fsr-3444	296	22	.	.	PUNCT
fsr-3444	297	1	p	p	X
fsr-3444	297	2	ar	ar	PROPN
fsr-3444	297	3	en	en	X
fsr-3444	297	4	ts	ts	NOUN
fsr-3444	297	5	’	'	PUNCT
fsr-3444	297	6	h	h	NOUN
fsr-3444	297	7	ig	ig	PROPN
fsr-3444	297	8	h	h	NOUN
fsr-3444	297	9	es	es	X
fsr-3444	297	10	t	t	PROPN
fsr-3444	297	11	in	in	ADP
fsr-3444	297	12	co	co	VERB
fsr-3444	297	13	m	m	PROPN
fsr-3444	297	14	e	e	X
fsr-3444	297	15	le	le	X
fsr-3444	297	16	v	v	PROPN
fsr-3444	297	17	el	el	PROPN
fsr-3444	297	18	(	(	PUNCT
fsr-3444	297	19	1	1	NUM
fsr-3444	297	20	=	=	NOUN
fsr-3444	297	21	<	<	X
fsr-3444	298	1	$	$	SYM
fsr-3444	298	2	2	2	NUM
fsr-3444	298	3	0	0	NUM
fsr-3444	298	4	k	k	NOUN
fsr-3444	298	5	,	,	PUNCT
fsr-3444	298	6	2	2	NUM
fsr-3444	298	7	=	=	SYM
fsr-3444	298	8	$	$	SYM
fsr-3444	298	9	2	2	NUM
fsr-3444	298	10	1	1	NUM
fsr-3444	298	11	–	–	PUNCT
fsr-3444	298	12	$	$	SYM
fsr-3444	298	13	3	3	NUM
fsr-3444	298	14	0	0	NUM
fsr-3444	299	1	k	k	NOUN
fsr-3444	299	2	,	,	PUNCT
fsr-3444	299	3	3	3	X
fsr-3444	299	4	=	=	SYM
fsr-3444	299	5	$	$	SYM
fsr-3444	299	6	3	3	NUM
fsr-3444	299	7	1	1	NUM
fsr-3444	299	8	–	–	PUNCT
fsr-3444	299	9	$	$	SYM
fsr-3444	299	10	4	4	NUM
fsr-3444	299	11	5	5	NUM
fsr-3444	299	12	k	k	NOUN
fsr-3444	299	13	,	,	PUNCT
fsr-3444	299	14	4	4	NUM
fsr-3444	299	15	=	=	SYM
fsr-3444	299	16	$	$	SYM
fsr-3444	299	17	4	4	NUM
fsr-3444	299	18	6	6	NUM
fsr-3444	299	19	–	–	PUNCT
fsr-3444	299	20	$	$	SYM
fsr-3444	299	21	7	7	NUM
fsr-3444	299	22	5	5	NUM
fsr-3444	299	23	k	k	NOUN
fsr-3444	299	24	,	,	PUNCT
fsr-3444	299	25	5	5	NUM
fsr-3444	299	26	=	=	SYM
fsr-3444	299	27	$	$	SYM
fsr-3444	299	28	7	7	NUM
fsr-3444	299	29	6	6	NUM
fsr-3444	299	30	–	–	PUNCT
fsr-3444	299	31	$	$	SYM
fsr-3444	299	32	1	1	NUM
fsr-3444	299	33	0	0	NUM
fsr-3444	299	34	0	0	NUM
fsr-3444	300	1	k	k	NOUN
fsr-3444	300	2	,	,	PUNCT
fsr-3444	300	3	6	6	NUM
fsr-3444	300	4	=	=	SYM
fsr-3444	300	5	$	$	SYM
fsr-3444	300	6	1	1	NUM
fsr-3444	300	7	0	0	NUM
fsr-3444	300	8	0	0	NUM
fsr-3444	300	9	–	–	PUNCT
fsr-3444	300	10	$	$	SYM
fsr-3444	300	11	1	1	NUM
fsr-3444	300	12	5	5	NUM
fsr-3444	300	13	0	0	NUM
fsr-3444	300	14	,	,	PUNCT
fsr-3444	300	15	an	an	PRON
fsr-3444	300	16	d	d	NOUN
fsr-3444	300	17	7	7	NUM
fsr-3444	300	18	=	=	SYM
fsr-3444	300	19	>	>	SYM
fsr-3444	300	20	$	$	SYM
fsr-3444	300	21	1	1	NUM
fsr-3444	300	22	5	5	NUM
fsr-3444	300	23	0	0	NUM
fsr-3444	300	24	k	k	X
fsr-3444	300	25	)	)	PUNCT
fsr-3444	300	26	1	1	NUM
fsr-3444	300	27	9	9	NUM
fsr-3444	300	28	.1	.1	NUM
fsr-3444	300	29	3	3	NUM
fsr-3444	300	30	2	2	NUM
fsr-3444	300	31	.2	.2	NUM
fsr-3444	300	32	2	2	NUM
fsr-3444	300	33	2	2	NUM
fsr-3444	300	34	.0	.0	NUM
fsr-3444	300	35	1	1	NUM
fsr-3444	300	36	4	4	NUM
fsr-3444	300	37	.3	.3	NUM
fsr-3444	300	38	8	8	NUM
fsr-3444	300	39	.3	.3	NUM
fsr-3444	300	40	2	2	NUM
fsr-3444	300	41	.9	.9	NUM
fsr-3444	300	42	1	1	NUM
fsr-3444	300	43	.3	.3	NUM
fsr-3444	300	44	1	1	NUM
fsr-3444	300	45	3	3	NUM
fsr-3444	300	46	.4	.4	NUM
fsr-3444	300	47	2	2	NUM
fsr-3444	300	48	1	1	NUM
fsr-3444	300	49	.1	.1	NUM
fsr-3444	300	50	2	2	NUM
fsr-3444	300	51	1	1	NUM
fsr-3444	300	52	.5	.5	NUM
fsr-3444	300	53	1	1	NUM
fsr-3444	300	54	8	8	NUM
fsr-3444	300	55	.3	.3	NUM
fsr-3444	300	56	1	1	NUM
fsr-3444	300	57	3	3	NUM
fsr-3444	300	58	.8	.8	NUM
fsr-3444	300	59	6	6	NUM
fsr-3444	300	60	.5	.5	NUM
fsr-3444	300	61	4	4	NUM
fsr-3444	300	62	.9	.9	NUM
fsr-3444	300	63	0	0	PUNCT
fsr-3444	301	1	.4	.4	NUM
fsr-3444	301	2	f	f	NOUN
fsr-3444	301	3	in	in	ADP
fsr-3444	301	4	an	an	DET
fsr-3444	301	5	ci	ci	PROPN
fsr-3444	301	6	al	al	PROPN
fsr-3444	301	7	v	v	PROPN
fsr-3444	301	8	ar	ar	PROPN
fsr-3444	301	9	ia	ia	PROPN
fsr-3444	301	10	b	b	PROPN
fsr-3444	301	11	le	le	PROPN
fsr-3444	301	12	s	s	PROPN
fsr-3444	301	13	:	:	PUNCT
fsr-3444	301	14	1	1	NUM
fsr-3444	301	15	.	.	PUNCT
fsr-3444	302	1	f	f	PROPN
fsr-3444	302	2	in	in	ADP
fsr-3444	302	3	an	an	DET
fsr-3444	302	4	ci	ci	NOUN
fsr-3444	302	5	al	al	PROPN
fsr-3444	302	6	tr	tr	NOUN
fsr-3444	302	7	ai	ai	VERB
fsr-3444	302	8	n	n	ADV
fsr-3444	302	9	in	in	ADP
fsr-3444	302	10	g	g	PROPN
fsr-3444	302	11	(	(	PUNCT
fsr-3444	302	12	y	y	NOUN
fsr-3444	302	13	es	es	NOUN
fsr-3444	302	14	=	=	SYM
fsr-3444	302	15	1	1	NUM
fsr-3444	302	16	,	,	PUNCT
fsr-3444	302	17	n	n	NOUN
fsr-3444	302	18	o	o	NOUN
fsr-3444	302	19	=	=	SYM
fsr-3444	302	20	2	2	X
fsr-3444	302	21	)	)	PUNCT
fsr-3444	302	22	1	1	NUM
fsr-3444	302	23	8	8	NUM
fsr-3444	302	24	.8	.8	NUM
fsr-3444	302	25	8	8	NUM
fsr-3444	302	26	1	1	NUM
fsr-3444	302	27	.2	.2	NUM
fsr-3444	302	28	3	3	NUM
fsr-3444	302	29	2	2	NUM
fsr-3444	302	30	.9	.9	NUM
fsr-3444	302	31	6	6	NUM
fsr-3444	302	32	6	6	NUM
fsr-3444	302	33	.7	.7	NUM
fsr-3444	302	34	2	2	NUM
fsr-3444	302	35	.	.	PUNCT
fsr-3444	303	1	f	f	PROPN
fsr-3444	303	2	in	in	ADP
fsr-3444	303	3	an	an	DET
fsr-3444	303	4	ci	ci	NOUN
fsr-3444	303	5	al	al	PROPN
fsr-3444	303	6	w	w	PROPN
fsr-3444	303	7	o	o	PROPN
fsr-3444	303	8	rk	rk	NOUN
fsr-3444	303	9	ex	ex	PUNCT
fsr-3444	304	1	p	p	X
fsr-3444	304	2	er	er	INTJ
fsr-3444	304	3	ie	ie	X
fsr-3444	304	4	n	n	X
fsr-3444	304	5	ce	ce	PROPN
fsr-3444	304	6	(	(	PUNCT
fsr-3444	304	7	y	y	NOUN
fsr-3444	304	8	es	es	X
fsr-3444	304	9	=	=	SYM
fsr-3444	304	10	1	1	NUM
fsr-3444	304	11	,	,	PUNCT
fsr-3444	304	12	n	n	NOUN
fsr-3444	304	13	o	o	NOUN
fsr-3444	304	14	=	=	SYM
fsr-3444	304	15	2	2	X
fsr-3444	304	16	)	)	PUNCT
fsr-3444	304	17	1	1	NUM
fsr-3444	304	18	1	1	NUM
fsr-3444	304	19	.1	.1	NUM
fsr-3444	304	20	8	8	NUM
fsr-3444	304	21	8	8	NUM
fsr-3444	304	22	.9	.9	NUM
fsr-3444	304	23	2	2	NUM
fsr-3444	304	24	2	2	NUM
fsr-3444	304	25	.8	.8	NUM
fsr-3444	304	26	7	7	NUM
fsr-3444	304	27	7	7	NUM
fsr-3444	304	28	.2	.2	NUM
fsr-3444	304	29	3	3	NUM
fsr-3444	304	30	.	.	PUNCT
fsr-3444	305	1	f	f	PROPN
fsr-3444	305	2	in	in	ADP
fsr-3444	305	3	an	an	DET
fsr-3444	305	4	ci	ci	NOUN
fsr-3444	305	5	al	al	PROPN
fsr-3444	305	6	k	k	PROPN
fsr-3444	306	1	n	n	PRON
fsr-3444	307	1	o	o	X
fsr-3444	307	2	w	w	X
fsr-3444	307	3	le	le	PROPN
fsr-3444	308	1	d	d	X
fsr-3444	308	2	g	g	X
fsr-3444	308	3	e	e	PROPN
fsr-3444	308	4	(	(	PUNCT
fsr-3444	308	5	t	t	NOUN
fsr-3444	308	6	o	o	X
fsr-3444	308	7	ta	ta	ADP
fsr-3444	308	8	l	l	NOUN
fsr-3444	308	9	=	=	PUNCT
fsr-3444	308	10	6	6	NUM
fsr-3444	308	11	3	3	NUM
fsr-3444	308	12	)	)	PUNCT
fsr-3444	308	13	4	4	NUM
fsr-3444	308	14	0	0	NUM
fsr-3444	308	15	.4	.4	NUM
fsr-3444	308	16	9	9	NUM
fsr-3444	308	17	4	4	NUM
fsr-3444	308	18	2	2	NUM
fsr-3444	308	19	.3	.3	NUM
fsr-3444	308	20	7	7	NUM
fsr-3444	308	21	n	n	NUM
fsr-3444	308	22	o	o	NOUN
fsr-3444	308	23	te	te	X
fsr-3444	308	24	:	:	PUNCT
fsr-3444	308	25	t	t	PROPN
fsr-3444	308	26	h	h	NOUN
fsr-3444	308	27	is	be	AUX
fsr-3444	308	28	ta	ta	ADP
fsr-3444	308	29	b	b	X
fsr-3444	308	30	le	le	PROPN
fsr-3444	308	31	p	p	X
fsr-3444	308	32	ro	ro	X
fsr-3444	308	33	v	v	INTJ
fsr-3444	308	34	i	i	PROPN
fsr-3444	308	35	d	d	PROPN
fsr-3444	308	36	es	es	X
fsr-3444	308	37	th	th	X
fsr-3444	308	38	e	e	X
fsr-3444	308	39	fr	fr	NOUN
fsr-3444	308	40	eq	eq	ADP
fsr-3444	308	41	u	u	PROPN
fsr-3444	308	42	en	en	PROPN
fsr-3444	308	43	cy	cy	PROPN
fsr-3444	308	44	d	d	PROPN
fsr-3444	308	45	is	be	AUX
fsr-3444	308	46	tr	tr	VERB
fsr-3444	308	47	ib	ib	NOUN
fsr-3444	308	48	u	u	NOUN
fsr-3444	308	49	ti	ti	NOUN
fsr-3444	308	50	o	o	NOUN
fsr-3444	308	51	n	n	PROPN
fsr-3444	308	52	in	in	ADP
fsr-3444	308	53	p	p	PROPN
fsr-3444	308	54	er	er	INTJ
fsr-3444	308	55	ce	ce	PROPN
fsr-3444	308	56	n	n	X
fsr-3444	308	57	ta	ta	X
fsr-3444	309	1	g	g	PROPN
fsr-3444	309	2	e	e	PROPN
fsr-3444	309	3	o	o	X
fsr-3444	309	4	f	f	PROPN
fsr-3444	310	1	d	d	X
fsr-3444	310	2	em	em	PRON
fsr-3444	310	3	o	o	INTJ
fsr-3444	311	1	g	g	NOUN
fsr-3444	311	2	ra	ra	PROPN
fsr-3444	311	3	p	p	NOUN
fsr-3444	311	4	h	h	NOUN
fsr-3444	312	1	ic	ic	PROPN
fsr-3444	312	2	ch	ch	PROPN
fsr-3444	312	3	ar	ar	PROPN
fsr-3444	312	4	ac	ac	PROPN
fsr-3444	312	5	te	te	PROPN
fsr-3444	312	6	ri	ri	PROPN
fsr-3444	312	7	st	st	PROPN
fsr-3444	312	8	ic	ic	PROPN
fsr-3444	312	9	s	s	VERB
fsr-3444	312	10	fo	fo	INTJ
fsr-3444	312	11	r	r	NOUN
fsr-3444	313	1	c	c	NOUN
fsr-3444	313	2	h	h	NOUN
fsr-3444	313	3	ap	ap	NOUN
fsr-3444	314	1	te	te	PROPN
fsr-3444	314	2	r	r	NOUN
fsr-3444	314	3	1	1	NUM
fsr-3444	314	4	3	3	NUM
fsr-3444	314	5	fi	fi	NOUN
fsr-3444	314	6	le	le	X
fsr-3444	314	7	rs	rs	PROPN
fsr-3444	314	8	an	an	DET
fsr-3444	314	9	d	d	PROPN
fsr-3444	314	10	n	n	ADP
fsr-3444	314	11	o	o	NOUN
fsr-3444	314	12	n	n	CCONJ
fsr-3444	314	13	-fi	-fi	ADV
fsr-3444	314	14	le	le	X
fsr-3444	314	15	rs	rs	PROPN
fsr-3444	314	16	.	.	PUNCT
fsr-3444	315	1	a	a	DET
fsr-3444	315	2	ll	ll	NOUN
fsr-3444	315	3	d	d	NOUN
fsr-3444	315	4	at	at	ADP
fsr-3444	315	5	a	a	DET
fsr-3444	315	6	ar	ar	NOUN
fsr-3444	315	7	e	e	PROPN
fsr-3444	315	8	m	m	PROPN
fsr-3444	315	9	ea	ea	PROPN
fsr-3444	315	10	su	su	PROPN
fsr-3444	315	11	re	re	PROPN
fsr-3444	315	12	d	d	X
fsr-3444	315	13	u	u	VERB
fsr-3444	315	14	si	si	X
fsr-3444	315	15	n	n	ADV
fsr-3444	315	16	g	g	PROPN
fsr-3444	315	17	a	a	DET
fsr-3444	315	18	l	l	NOUN
fsr-3444	315	19	ik	ik	PROPN
fsr-3444	315	20	er	er	INTJ
fsr-3444	315	21	t	t	PROPN
fsr-3444	315	22	sc	sc	PROPN
fsr-3444	315	23	al	al	PROPN
fsr-3444	315	24	e.	e.	PROPN
fsr-3444	315	25	s.	s.	PROPN
fsr-3444	315	26	e.	e.	PROPN
fsr-3444	315	27	kehiaian	kehiaian	PROPN
fsr-3444	315	28	et	et	PROPN
fsr-3444	315	29	al	al	PROPN
fsr-3444	315	30	.	.	PUNCT
fsr-3444	315	31	/	/	SYM
fsr-3444	315	32	financial	financial	ADJ
fsr-3444	315	33	services	service	NOUN
fsr-3444	315	34	review	review	VERB
fsr-3444	315	35	29	29	NUM
fsr-3444	315	36	(	(	PUNCT
fsr-3444	315	37	2021	2021	NUM
fsr-3444	315	38	)	)	PUNCT
fsr-3444	315	39	67–84	67–84	NOUN
fsr-3444	315	40	75	75	NUM
fsr-3444	315	41	4.1.2	4.1.2	NUM
fsr-3444	315	42	.	.	PUNCT
fsr-3444	316	1	descriptive	descriptive	ADJ
fsr-3444	316	2	statistics	statistic	NOUN
fsr-3444	316	3	for	for	ADP
fsr-3444	316	4	finance	finance	NOUN
fsr-3444	316	5	variables	variable	NOUN
fsr-3444	316	6	.	.	PUNCT
fsr-3444	317	1	for	for	ADP
fsr-3444	317	2	financial	financial	ADJ
fsr-3444	317	3	training	training	NOUN
fsr-3444	317	4	,	,	PUNCT
fsr-3444	317	5	18.8	18.8	NUM
fsr-3444	317	6	%	%	NOUN
fsr-3444	317	7	of	of	ADP
fsr-3444	317	8	filers	filer	NOUN
fsr-3444	317	9	have	have	VERB
fsr-3444	317	10	financial	financial	ADJ
fsr-3444	317	11	training	training	NOUN
fsr-3444	317	12	compared	compare	VERB
fsr-3444	317	13	with	with	ADP
fsr-3444	317	14	32.9	32.9	NUM
fsr-3444	317	15	%	%	NOUN
fsr-3444	317	16	of	of	ADP
fsr-3444	317	17	non	non	NOUN
fsr-3444	317	18	-	-	NOUN
fsr-3444	317	19	filers	filer	NOUN
fsr-3444	317	20	.	.	PUNCT
fsr-3444	318	1	for	for	ADP
fsr-3444	318	2	financial	financial	ADJ
fsr-3444	318	3	work	work	NOUN
fsr-3444	318	4	experience	experience	NOUN
fsr-3444	318	5	,	,	PUNCT
fsr-3444	318	6	11.1	11.1	NUM
fsr-3444	318	7	%	%	NOUN
fsr-3444	318	8	of	of	ADP
fsr-3444	318	9	filers	filer	NOUN
fsr-3444	318	10	have	have	VERB
fsr-3444	318	11	financial	financial	ADJ
fsr-3444	318	12	work	work	NOUN
fsr-3444	318	13	experience	experience	NOUN
fsr-3444	318	14	compared	compare	VERB
fsr-3444	318	15	with	with	ADP
fsr-3444	318	16	22.8	22.8	NUM
fsr-3444	318	17	%	%	NOUN
fsr-3444	318	18	of	of	ADP
fsr-3444	318	19	non	non	NOUN
fsr-3444	318	20	-	-	NOUN
fsr-3444	318	21	filers	filer	NOUN
fsr-3444	318	22	.	.	PUNCT
fsr-3444	319	1	for	for	ADP
fsr-3444	319	2	financial	financial	ADJ
fsr-3444	319	3	knowledge	knowledge	NOUN
fsr-3444	319	4	,	,	PUNCT
fsr-3444	319	5	of	of	ADP
fsr-3444	319	6	the	the	DET
fsr-3444	319	7	63	63	NUM
fsr-3444	319	8	questions	question	NOUN
fsr-3444	319	9	,	,	PUNCT
fsr-3444	319	10	the	the	DET
fsr-3444	319	11	mean	mean	ADJ
fsr-3444	319	12	financial	financial	ADJ
fsr-3444	319	13	literacy	literacy	NOUN
fsr-3444	319	14	quiz	quiz	NOUN
fsr-3444	319	15	scores	score	NOUN
fsr-3444	319	16	for	for	ADP
fsr-3444	319	17	the	the	DET
fsr-3444	319	18	chapter	chapter	NOUN
fsr-3444	319	19	13	13	NUM
fsr-3444	319	20	filers	filer	NOUN
fsr-3444	319	21	and	and	CCONJ
fsr-3444	319	22	non	non	NOUN
fsr-3444	319	23	-	-	NOUN
fsr-3444	319	24	filers	filer	NOUN
fsr-3444	319	25	are	be	AUX
fsr-3444	319	26	40.49	40.49	NUM
fsr-3444	319	27	and	and	CCONJ
fsr-3444	319	28	42.37	42.37	NUM
fsr-3444	319	29	,	,	PUNCT
fsr-3444	319	30	respectively	respectively	ADV
fsr-3444	319	31	.	.	PUNCT
fsr-3444	320	1	4.1.3	4.1.3	X
fsr-3444	320	2	.	.	PUNCT
fsr-3444	320	3	descriptive	descriptive	ADJ
fsr-3444	320	4	statistics	statistic	NOUN
fsr-3444	320	5	for	for	ADP
fsr-3444	320	6	psychological	psychological	ADJ
fsr-3444	320	7	characteristics	characteristic	NOUN
fsr-3444	320	8	.	.	PUNCT
fsr-3444	321	1	the	the	DET
fsr-3444	321	2	descriptive	descriptive	ADJ
fsr-3444	321	3	statistics	statistic	NOUN
fsr-3444	321	4	for	for	ADP
fsr-3444	321	5	the	the	DET
fsr-3444	321	6	psychological	psychological	ADJ
fsr-3444	321	7	characteristics	characteristic	NOUN
fsr-3444	321	8	are	be	AUX
fsr-3444	321	9	presented	present	VERB
fsr-3444	321	10	below	below	ADV
fsr-3444	321	11	.	.	PUNCT
fsr-3444	322	1	the	the	DET
fsr-3444	322	2	percentage	percentage	NOUN
fsr-3444	322	3	representing	represent	VERB
fsr-3444	322	4	“	"	PUNCT
fsr-3444	322	5	high	high	ADJ
fsr-3444	322	6	”	"	PUNCT
fsr-3444	322	7	or	or	CCONJ
fsr-3444	322	8	“	"	PUNCT
fsr-3444	322	9	agree	agree	VERB
fsr-3444	322	10	”	"	PUNCT
fsr-3444	322	11	is	be	AUX
fsr-3444	322	12	the	the	DET
fsr-3444	322	13	percentages	percentage	NOUN
fsr-3444	322	14	of	of	ADP
fsr-3444	322	15	responses	response	NOUN
fsr-3444	322	16	that	that	PRON
fsr-3444	322	17	are	be	AUX
fsr-3444	322	18	coded	code	VERB
fsr-3444	322	19	as	as	ADP
fsr-3444	322	20	4	4	NUM
fsr-3444	322	21	s	s	NOUN
fsr-3444	322	22	and	and	CCONJ
fsr-3444	322	23	5	5	NUM
fsr-3444	322	24	s	s	NOUN
fsr-3444	322	25	from	from	ADP
fsr-3444	322	26	the	the	DET
fsr-3444	322	27	data	datum	NOUN
fsr-3444	322	28	for	for	ADP
fsr-3444	322	29	each	each	DET
fsr-3444	322	30	variable	variable	NOUN
fsr-3444	322	31	.	.	PUNCT
fsr-3444	323	1	for	for	ADP
fsr-3444	323	2	self	self	NOUN
fsr-3444	323	3	-	-	PUNCT
fsr-3444	323	4	efficacy	efficacy	NOUN
fsr-3444	323	5	,	,	PUNCT
fsr-3444	323	6	filers	filer	NOUN
fsr-3444	323	7	generally	generally	ADV
fsr-3444	323	8	have	have	VERB
fsr-3444	323	9	lower	low	ADJ
fsr-3444	323	10	levels	level	NOUN
fsr-3444	323	11	of	of	ADP
fsr-3444	323	12	confidence	confidence	NOUN
fsr-3444	323	13	than	than	ADP
fsr-3444	323	14	non	non	ADJ
fsr-3444	323	15	-	-	NOUN
fsr-3444	323	16	filers	filers	ADJ
fsr-3444	323	17	(	(	PUNCT
fsr-3444	323	18	table	table	NOUN
fsr-3444	323	19	2	2	NUM
fsr-3444	323	20	)	)	PUNCT
fsr-3444	323	21	.	.	PUNCT
fsr-3444	324	1	of	of	ADP
fsr-3444	324	2	all	all	DET
fsr-3444	324	3	filers	filer	NOUN
fsr-3444	324	4	,	,	PUNCT
fsr-3444	324	5	53.5	53.5	NUM
fsr-3444	324	6	%	%	NOUN
fsr-3444	324	7	of	of	ADP
fsr-3444	324	8	them	they	PRON
fsr-3444	324	9	have	have	VERB
fsr-3444	324	10	a	a	DET
fsr-3444	324	11	high	high	ADJ
fsr-3444	324	12	level	level	NOUN
fsr-3444	324	13	of	of	ADP
fsr-3444	324	14	general	general	ADJ
fsr-3444	324	15	confidence	confidence	NOUN
fsr-3444	324	16	level	level	NOUN
fsr-3444	324	17	compared	compare	VERB
fsr-3444	324	18	with	with	ADP
fsr-3444	324	19	63.9	63.9	NUM
fsr-3444	324	20	%	%	NOUN
fsr-3444	324	21	of	of	ADP
fsr-3444	324	22	non	non	NOUN
fsr-3444	324	23	-	-	NOUN
fsr-3444	324	24	filers	filer	NOUN
fsr-3444	324	25	.	.	PUNCT
fsr-3444	325	1	(	(	PUNCT
fsr-3444	325	2	table	table	NOUN
fsr-3444	325	3	2	2	NUM
fsr-3444	325	4	)	)	PUNCT
fsr-3444	325	5	.	.	PUNCT
fsr-3444	326	1	corresponding	correspond	VERB
fsr-3444	326	2	statistics	statistic	NOUN
fsr-3444	326	3	for	for	ADP
fsr-3444	326	4	financial	financial	ADJ
fsr-3444	326	5	confidence	confidence	NOUN
fsr-3444	326	6	and	and	CCONJ
fsr-3444	326	7	education	education	NOUN
fsr-3444	326	8	confidence	confidence	NOUN
fsr-3444	326	9	are	be	AUX
fsr-3444	326	10	(	(	PUNCT
fsr-3444	326	11	20	20	NUM
fsr-3444	326	12	%	%	NOUN
fsr-3444	326	13	of	of	ADP
fsr-3444	326	14	filers	filer	NOUN
fsr-3444	326	15	,	,	PUNCT
fsr-3444	326	16	and	and	CCONJ
fsr-3444	326	17	29.1	29.1	NUM
fsr-3444	326	18	%	%	NOUN
fsr-3444	326	19	of	of	ADP
fsr-3444	326	20	non	non	NOUN
fsr-3444	326	21	-	-	NOUN
fsr-3444	326	22	filers	filer	NOUN
fsr-3444	326	23	)	)	PUNCT
fsr-3444	326	24	,	,	PUNCT
fsr-3444	326	25	and	and	CCONJ
fsr-3444	326	26	(	(	PUNCT
fsr-3444	326	27	46	46	NUM
fsr-3444	326	28	%	%	NOUN
fsr-3444	326	29	of	of	ADP
fsr-3444	326	30	filers	filer	NOUN
fsr-3444	326	31	and	and	CCONJ
fsr-3444	326	32	60.1	60.1	NUM
fsr-3444	326	33	%	%	NOUN
fsr-3444	326	34	of	of	ADP
fsr-3444	326	35	non	non	NOUN
fsr-3444	326	36	-	-	NOUN
fsr-3444	326	37	filers	filer	NOUN
fsr-3444	326	38	)	)	PUNCT
fsr-3444	326	39	,	,	PUNCT
fsr-3444	326	40	respectively	respectively	ADV
fsr-3444	326	41	.	.	PUNCT
fsr-3444	327	1	for	for	ADP
fsr-3444	327	2	locus	locus	NOUN
fsr-3444	327	3	of	of	ADP
fsr-3444	327	4	control	control	NOUN
fsr-3444	327	5	,	,	PUNCT
fsr-3444	327	6	non	non	NOUN
fsr-3444	327	7	-	-	ADJ
fsr-3444	327	8	filers	filer	NOUN
fsr-3444	327	9	seem	seem	VERB
fsr-3444	327	10	to	to	PART
fsr-3444	327	11	have	have	VERB
fsr-3444	327	12	higher	high	ADJ
fsr-3444	327	13	levels	level	NOUN
fsr-3444	327	14	of	of	ADP
fsr-3444	327	15	control	control	NOUN
fsr-3444	327	16	than	than	SCONJ
fsr-3444	327	17	do	do	VERB
fsr-3444	327	18	filers	filer	NOUN
fsr-3444	327	19	(	(	PUNCT
fsr-3444	327	20	table	table	NOUN
fsr-3444	327	21	2	2	NUM
fsr-3444	327	22	)	)	PUNCT
fsr-3444	327	23	.	.	PUNCT
fsr-3444	328	1	for	for	ADP
fsr-3444	328	2	“	"	PUNCT
fsr-3444	328	3	i	i	PRON
fsr-3444	328	4	have	have	AUX
fsr-3444	328	5	had	have	VERB
fsr-3444	328	6	very	very	ADV
fsr-3444	328	7	little	little	ADJ
fsr-3444	328	8	control	control	NOUN
fsr-3444	328	9	over	over	ADP
fsr-3444	328	10	life	life	NOUN
fsr-3444	328	11	,	,	PUNCT
fsr-3444	328	12	”	"	PUNCT
fsr-3444	328	13	28.4	28.4	NUM
fsr-3444	328	14	%	%	NOUN
fsr-3444	328	15	of	of	ADP
fsr-3444	328	16	filers	filer	NOUN
fsr-3444	328	17	agree	agree	VERB
fsr-3444	328	18	compared	compare	VERB
fsr-3444	328	19	with	with	ADP
fsr-3444	328	20	23.2	23.2	NUM
fsr-3444	328	21	%	%	NOUN
fsr-3444	328	22	of	of	ADP
fsr-3444	328	23	non	non	NOUN
fsr-3444	328	24	-	-	NOUN
fsr-3444	328	25	filers	filer	NOUN
fsr-3444	328	26	.	.	PUNCT
fsr-3444	329	1	for	for	ADP
fsr-3444	329	2	“	"	PUNCT
fsr-3444	329	3	i	i	PRON
fsr-3444	329	4	have	have	AUX
fsr-3444	329	5	had	have	VERB
fsr-3444	329	6	many	many	ADJ
fsr-3444	329	7	negative	negative	ADJ
fsr-3444	329	8	experiences	experience	NOUN
fsr-3444	329	9	with	with	ADP
fsr-3444	329	10	my	my	PRON
fsr-3444	329	11	household	household	NOUN
fsr-3444	329	12	finances	finance	NOUN
fsr-3444	329	13	,	,	PUNCT
fsr-3444	329	14	”	"	PUNCT
fsr-3444	329	15	35.1	35.1	NUM
fsr-3444	329	16	%	%	NOUN
fsr-3444	329	17	of	of	ADP
fsr-3444	329	18	filers	filer	NOUN
fsr-3444	329	19	agree	agree	VERB
fsr-3444	329	20	compared	compare	VERB
fsr-3444	329	21	with	with	ADP
fsr-3444	329	22	25.6	25.6	NUM
fsr-3444	329	23	%	%	NOUN
fsr-3444	329	24	of	of	ADP
fsr-3444	329	25	non	non	NOUN
fsr-3444	329	26	-	-	NOUN
fsr-3444	329	27	filers	filer	NOUN
fsr-3444	329	28	.	.	PUNCT
fsr-3444	330	1	for	for	ADP
fsr-3444	330	2	motivation	motivation	NOUN
fsr-3444	330	3	,	,	PUNCT
fsr-3444	330	4	the	the	DET
fsr-3444	330	5	variable	variable	NOUN
fsr-3444	330	6	,	,	PUNCT
fsr-3444	330	7	“	"	PUNCT
fsr-3444	330	8	i	i	PRON
fsr-3444	330	9	plan	plan	VERB
fsr-3444	330	10	on	on	ADP
fsr-3444	330	11	substantially	substantially	ADV
fsr-3444	330	12	increasing	increase	VERB
fsr-3444	330	13	my	my	PRON
fsr-3444	330	14	income	income	NOUN
fsr-3444	330	15	,	,	PUNCT
fsr-3444	330	16	”	"	PUNCT
fsr-3444	330	17	46.8	46.8	NUM
fsr-3444	330	18	%	%	NOUN
fsr-3444	330	19	of	of	ADP
fsr-3444	330	20	filers	filer	NOUN
fsr-3444	330	21	agree	agree	VERB
fsr-3444	330	22	compared	compare	VERB
fsr-3444	330	23	with	with	ADP
fsr-3444	330	24	50.4	50.4	NUM
fsr-3444	330	25	%	%	NOUN
fsr-3444	330	26	of	of	ADP
fsr-3444	330	27	non	non	NOUN
fsr-3444	330	28	-	-	NOUN
fsr-3444	330	29	filers	filer	NOUN
fsr-3444	330	30	.	.	PUNCT
fsr-3444	331	1	for	for	ADP
fsr-3444	331	2	“	"	PUNCT
fsr-3444	331	3	i	i	PRON
fsr-3444	331	4	plan	plan	VERB
fsr-3444	331	5	to	to	PART
fsr-3444	331	6	increase	increase	VERB
fsr-3444	331	7	my	my	PRON
fsr-3444	331	8	net	net	ADJ
fsr-3444	331	9	worth	worth	NOUN
fsr-3444	331	10	,	,	PUNCT
fsr-3444	331	11	”	"	PUNCT
fsr-3444	331	12	60.2	60.2	NUM
fsr-3444	331	13	%	%	NOUN
fsr-3444	331	14	of	of	ADP
fsr-3444	331	15	filers	filer	NOUN
fsr-3444	331	16	agree	agree	VERB
fsr-3444	331	17	compared	compare	VERB
fsr-3444	331	18	with	with	ADP
fsr-3444	331	19	72.4	72.4	NUM
fsr-3444	331	20	%	%	NOUN
fsr-3444	331	21	of	of	ADP
fsr-3444	331	22	non	non	NOUN
fsr-3444	331	23	-	-	NOUN
fsr-3444	331	24	filers	filer	NOUN
fsr-3444	331	25	.	.	PUNCT
fsr-3444	332	1	for	for	ADP
fsr-3444	332	2	self	self	NOUN
fsr-3444	332	3	-	-	PUNCT
fsr-3444	332	4	control	control	NOUN
fsr-3444	332	5	,	,	PUNCT
fsr-3444	332	6	the	the	DET
fsr-3444	332	7	variable	variable	NOUN
fsr-3444	332	8	,	,	PUNCT
fsr-3444	332	9	“	"	PUNCT
fsr-3444	332	10	how	how	SCONJ
fsr-3444	332	11	important	important	ADJ
fsr-3444	332	12	is	be	AUX
fsr-3444	332	13	immediate	immediate	ADJ
fsr-3444	332	14	gratification	gratification	NOUN
fsr-3444	332	15	to	to	ADP
fsr-3444	332	16	you	you	PRON
fsr-3444	332	17	?	?	PUNCT
fsr-3444	332	18	”	"	PUNCT
fsr-3444	332	19	;	;	PUNCT
fsr-3444	332	20	35.7	35.7	NUM
fsr-3444	332	21	%	%	NOUN
fsr-3444	332	22	of	of	ADP
fsr-3444	332	23	filers	filer	NOUN
fsr-3444	332	24	strongly	strongly	ADV
fsr-3444	332	25	agree	agree	VERB
fsr-3444	332	26	versus	versus	ADP
fsr-3444	332	27	26.4	26.4	NUM
fsr-3444	332	28	%	%	NOUN
fsr-3444	332	29	of	of	ADP
fsr-3444	332	30	nonfilers	nonfiler	NOUN
fsr-3444	332	31	.	.	PUNCT
fsr-3444	333	1	for	for	ADP
fsr-3444	333	2	commitment	commitment	NOUN
fsr-3444	333	3	,	,	PUNCT
fsr-3444	333	4	about	about	ADV
fsr-3444	333	5	43	43	NUM
fsr-3444	333	6	%	%	NOUN
fsr-3444	333	7	of	of	ADP
fsr-3444	333	8	filers	filer	NOUN
fsr-3444	333	9	have	have	VERB
fsr-3444	333	10	high	high	ADJ
fsr-3444	333	11	levels	level	NOUN
fsr-3444	333	12	of	of	ADP
fsr-3444	333	13	commitment	commitment	NOUN
fsr-3444	333	14	compared	compare	VERB
fsr-3444	333	15	with	with	ADP
fsr-3444	333	16	55.7	55.7	NUM
fsr-3444	333	17	for	for	ADP
fsr-3444	333	18	non	non	NOUN
fsr-3444	333	19	-	-	NOUN
fsr-3444	333	20	filers	filer	NOUN
fsr-3444	333	21	.	.	PUNCT
fsr-3444	334	1	4.3	4.3	NUM
fsr-3444	334	2	.	.	PUNCT
fsr-3444	334	3	logistic	logistic	ADJ
fsr-3444	334	4	regression	regression	NOUN
fsr-3444	334	5	results	result	VERB
fsr-3444	334	6	4.3.1	4.3.1	VERB
fsr-3444	334	7	.	.	PUNCT
fsr-3444	334	8	correlation	correlation	NOUN
fsr-3444	334	9	results	result	NOUN
fsr-3444	334	10	.	.	PUNCT
fsr-3444	335	1	because	because	SCONJ
fsr-3444	335	2	of	of	ADP
fsr-3444	335	3	high	high	ADJ
fsr-3444	335	4	correlations	correlation	NOUN
fsr-3444	335	5	(	(	PUNCT
fsr-3444	335	6	r	r	NOUN
fsr-3444	335	7	>	>	X
fsr-3444	335	8	0.300	0.300	NUM
fsr-3444	335	9	)	)	PUNCT
fsr-3444	335	10	,	,	PUNCT
fsr-3444	335	11	a	a	DET
fsr-3444	335	12	reduced	reduced	ADJ
fsr-3444	335	13	set	set	NOUN
fsr-3444	335	14	of	of	ADP
fsr-3444	335	15	demographic	demographic	ADJ
fsr-3444	335	16	,	,	PUNCT
fsr-3444	335	17	psychological	psychological	ADJ
fsr-3444	335	18	,	,	PUNCT
fsr-3444	335	19	and	and	CCONJ
fsr-3444	335	20	financial	financial	ADJ
fsr-3444	335	21	variables	variable	NOUN
fsr-3444	335	22	are	be	AUX
fsr-3444	335	23	included	include	VERB
fsr-3444	335	24	in	in	ADP
fsr-3444	335	25	the	the	DET
fsr-3444	335	26	regression	regression	NOUN
fsr-3444	335	27	analysis	analysis	NOUN
fsr-3444	335	28	.	.	PUNCT
fsr-3444	336	1	the	the	DET
fsr-3444	336	2	nine	nine	NUM
fsr-3444	336	3	demographic	demographic	ADJ
fsr-3444	336	4	variables	variable	NOUN
fsr-3444	336	5	included	include	VERB
fsr-3444	336	6	are	be	AUX
fsr-3444	336	7	gender	gender	NOUN
fsr-3444	336	8	,	,	PUNCT
fsr-3444	336	9	education	education	NOUN
fsr-3444	336	10	,	,	PUNCT
fsr-3444	336	11	years	year	NOUN
fsr-3444	336	12	of	of	ADP
fsr-3444	336	13	work	work	NOUN
fsr-3444	336	14	,	,	PUNCT
fsr-3444	336	15	religious	religious	ADJ
fsr-3444	336	16	commitment	commitment	NOUN
fsr-3444	336	17	,	,	PUNCT
fsr-3444	336	18	religious	religious	ADJ
fsr-3444	336	19	faith	faith	NOUN
fsr-3444	336	20	,	,	PUNCT
fsr-3444	336	21	home	home	NOUN
fsr-3444	336	22	ownership	ownership	NOUN
fsr-3444	336	23	,	,	PUNCT
fsr-3444	336	24	parents	parent	NOUN
fsr-3444	336	25	’	'	PUNCT
fsr-3444	336	26	income	income	NOUN
fsr-3444	336	27	,	,	PUNCT
fsr-3444	336	28	race	race	NOUN
fsr-3444	336	29	,	,	PUNCT
fsr-3444	336	30	and	and	CCONJ
fsr-3444	336	31	marital	marital	ADJ
fsr-3444	336	32	status	status	NOUN
fsr-3444	336	33	.	.	PUNCT
fsr-3444	337	1	the	the	DET
fsr-3444	337	2	five	five	NUM
fsr-3444	337	3	psychological	psychological	ADJ
fsr-3444	337	4	variables	variable	NOUN
fsr-3444	337	5	included	include	VERB
fsr-3444	337	6	are	be	AUX
fsr-3444	337	7	:	:	PUNCT
fsr-3444	337	8	financial	financial	ADJ
fsr-3444	337	9	confidence	confidence	NOUN
fsr-3444	337	10	for	for	ADP
fsr-3444	337	11	self	self	NOUN
fsr-3444	337	12	-	-	PUNCT
fsr-3444	337	13	efficacy	efficacy	NOUN
fsr-3444	337	14	;	;	PUNCT
fsr-3444	337	15	control	control	NOUN
fsr-3444	337	16	over	over	ADP
fsr-3444	337	17	life	life	NOUN
fsr-3444	337	18	,	,	PUNCT
fsr-3444	337	19	negative	negative	ADJ
fsr-3444	337	20	experience	experience	NOUN
fsr-3444	337	21	with	with	ADP
fsr-3444	337	22	finances	finance	NOUN
fsr-3444	337	23	,	,	PUNCT
fsr-3444	337	24	and	and	CCONJ
fsr-3444	337	25	money	money	NOUN
fsr-3444	337	26	management	management	NOUN
fsr-3444	337	27	affecting	affect	VERB
fsr-3444	337	28	my	my	PRON
fsr-3444	337	29	future	future	NOUN
fsr-3444	337	30	for	for	ADP
fsr-3444	337	31	locus	locus	NOUN
fsr-3444	337	32	of	of	ADP
fsr-3444	337	33	control	control	NOUN
fsr-3444	337	34	;	;	PUNCT
fsr-3444	337	35	taking	take	VERB
fsr-3444	337	36	financial	financial	ADJ
fsr-3444	337	37	education	education	NOUN
fsr-3444	337	38	in	in	ADP
fsr-3444	337	39	the	the	DET
fsr-3444	337	40	future	future	NOUN
fsr-3444	337	41	for	for	ADP
fsr-3444	337	42	motivation	motivation	NOUN
fsr-3444	337	43	;	;	PUNCT
fsr-3444	337	44	and	and	CCONJ
fsr-3444	337	45	importance	importance	NOUN
fsr-3444	337	46	of	of	ADP
fsr-3444	337	47	immediate	immediate	ADJ
fsr-3444	337	48	gratification	gratification	NOUN
fsr-3444	337	49	for	for	ADP
fsr-3444	337	50	self	self	NOUN
fsr-3444	337	51	-	-	PUNCT
fsr-3444	337	52	control	control	NOUN
fsr-3444	337	53	.	.	PUNCT
fsr-3444	338	1	the	the	DET
fsr-3444	338	2	three	three	NUM
fsr-3444	338	3	financial	financial	ADJ
fsr-3444	338	4	variables	variable	NOUN
fsr-3444	338	5	included	include	VERB
fsr-3444	338	6	are	be	AUX
fsr-3444	338	7	finance	finance	NOUN
fsr-3444	338	8	knowledge	knowledge	NOUN
fsr-3444	338	9	,	,	PUNCT
fsr-3444	338	10	finance	finance	NOUN
fsr-3444	338	11	training	training	NOUN
fsr-3444	338	12	,	,	PUNCT
fsr-3444	338	13	and	and	CCONJ
fsr-3444	338	14	importance	importance	NOUN
fsr-3444	338	15	of	of	ADP
fsr-3444	338	16	financial	financial	ADJ
fsr-3444	338	17	planning	planning	NOUN
fsr-3444	338	18	.	.	PUNCT
fsr-3444	339	1	4.3.2	4.3.2	X
fsr-3444	339	2	.	.	PUNCT
fsr-3444	340	1	endogeneity	endogeneity	NOUN
fsr-3444	340	2	testing	testing	NOUN
fsr-3444	340	3	results	result	NOUN
fsr-3444	340	4	.	.	PUNCT
fsr-3444	341	1	a	a	DET
fsr-3444	341	2	correlation	correlation	NOUN
fsr-3444	341	3	analysis	analysis	NOUN
fsr-3444	341	4	is	be	AUX
fsr-3444	341	5	done	do	VERB
fsr-3444	341	6	between	between	ADP
fsr-3444	341	7	the	the	DET
fsr-3444	341	8	residuals	residual	NOUN
fsr-3444	341	9	from	from	ADP
fsr-3444	341	10	the	the	DET
fsr-3444	341	11	logistic	logistic	ADJ
fsr-3444	341	12	regression	regression	NOUN
fsr-3444	341	13	estimation	estimation	NOUN
fsr-3444	341	14	and	and	CCONJ
fsr-3444	341	15	each	each	PRON
fsr-3444	341	16	of	of	ADP
fsr-3444	341	17	the	the	DET
fsr-3444	341	18	independent	independent	ADJ
fsr-3444	341	19	variables	variable	NOUN
fsr-3444	341	20	and	and	CCONJ
fsr-3444	341	21	no	no	DET
fsr-3444	341	22	significant	significant	ADJ
fsr-3444	341	23	correlation	correlation	NOUN
fsr-3444	341	24	is	be	AUX
fsr-3444	341	25	found	find	VERB
fsr-3444	341	26	.	.	PUNCT
fsr-3444	342	1	this	this	PRON
fsr-3444	342	2	implies	imply	VERB
fsr-3444	342	3	that	that	SCONJ
fsr-3444	342	4	endogeneity	endogeneity	NOUN
fsr-3444	342	5	is	be	AUX
fsr-3444	342	6	not	not	PART
fsr-3444	342	7	an	an	DET
fsr-3444	342	8	issue	issue	NOUN
fsr-3444	342	9	with	with	ADP
fsr-3444	342	10	the	the	DET
fsr-3444	342	11	logistic	logistic	ADJ
fsr-3444	342	12	regression	regression	NOUN
fsr-3444	342	13	model	model	NOUN
fsr-3444	342	14	.	.	PUNCT
fsr-3444	343	1	4.3.3	4.3.3	X
fsr-3444	343	2	.	.	PUNCT
fsr-3444	343	3	binary	binary	ADJ
fsr-3444	343	4	logistic	logistic	ADJ
fsr-3444	343	5	regression	regression	NOUN
fsr-3444	343	6	results	result	NOUN
fsr-3444	343	7	for	for	ADP
fsr-3444	343	8	demographic	demographic	ADJ
fsr-3444	343	9	variables	variable	NOUN
fsr-3444	343	10	.	.	PUNCT
fsr-3444	344	1	for	for	ADP
fsr-3444	344	2	gender	gender	NOUN
fsr-3444	344	3	,	,	PUNCT
fsr-3444	344	4	the	the	DET
fsr-3444	344	5	odds	odd	NOUN
fsr-3444	344	6	of	of	ADP
fsr-3444	344	7	a	a	DET
fsr-3444	344	8	male	male	ADJ
fsr-3444	344	9	filing	filing	NOUN
fsr-3444	344	10	for	for	ADP
fsr-3444	344	11	bankruptcy	bankruptcy	NOUN
fsr-3444	344	12	is	be	AUX
fsr-3444	344	13	2.075	2.075	NUM
fsr-3444	344	14	times	time	NOUN
fsr-3444	344	15	the	the	DET
fsr-3444	344	16	odds	odd	NOUN
fsr-3444	344	17	for	for	ADP
fsr-3444	344	18	a	a	DET
fsr-3444	344	19	female	female	ADJ
fsr-3444	344	20	filing	filing	NOUN
fsr-3444	344	21	(	(	PUNCT
fsr-3444	344	22	odds	odd	NOUN
fsr-3444	344	23	ratio	ratio	NOUN
fsr-3444	344	24	[	[	X
fsr-3444	344	25	or	or	CCONJ
fsr-3444	344	26	]	]	PUNCT
fsr-3444	344	27	=	=	SYM
fsr-3444	344	28	2.075	2.075	NUM
fsr-3444	344	29	,	,	PUNCT
fsr-3444	344	30	p	p	NOUN
fsr-3444	344	31	-	-	PUNCT
fsr-3444	344	32	value	value	NOUN
fsr-3444	344	33	=	=	NOUN
fsr-3444	344	34	0.004	0.004	NUM
fsr-3444	344	35	;	;	PUNCT
fsr-3444	344	36	table	table	NOUN
fsr-3444	344	37	3	3	NUM
fsr-3444	344	38	)	)	PUNCT
fsr-3444	344	39	.	.	PUNCT
fsr-3444	345	1	for	for	ADP
fsr-3444	345	2	race	race	NOUN
fsr-3444	345	3	,	,	PUNCT
fsr-3444	345	4	the	the	DET
fsr-3444	345	5	odds	odd	NOUN
fsr-3444	345	6	ratio	ratio	NOUN
fsr-3444	345	7	for	for	ADP
fsr-3444	345	8	a	a	DET
fsr-3444	345	9	black	black	ADJ
fsr-3444	345	10	person	person	NOUN
fsr-3444	345	11	to	to	PART
fsr-3444	345	12	file	file	VERB
fsr-3444	345	13	for	for	ADP
fsr-3444	345	14	bankruptcy	bankruptcy	NOUN
fsr-3444	345	15	is	be	AUX
fsr-3444	345	16	2.264	2.264	NUM
fsr-3444	345	17	times	time	NOUN
fsr-3444	345	18	the	the	DET
fsr-3444	345	19	odds	odd	NOUN
fsr-3444	345	20	of	of	ADP
fsr-3444	345	21	other	other	ADJ
fsr-3444	345	22	races	race	NOUN
fsr-3444	345	23	(	(	PUNCT
fsr-3444	345	24	primarily	primarily	ADV
fsr-3444	345	25	whites	white	NOUN
fsr-3444	345	26	)	)	PUNCT
fsr-3444	345	27	filing	filing	NOUN
fsr-3444	345	28	(	(	PUNCT
fsr-3444	345	29	or=	or=	PROPN
fsr-3444	345	30	2.264	2.264	NUM
fsr-3444	345	31	,	,	PUNCT
fsr-3444	345	32	pvalue	pvalue	NOUN
fsr-3444	345	33	=	=	NOUN
fsr-3444	345	34	0.003	0.003	NUM
fsr-3444	345	35	)	)	PUNCT
fsr-3444	345	36	.	.	PUNCT
fsr-3444	346	1	for	for	ADP
fsr-3444	346	2	marital	marital	ADJ
fsr-3444	346	3	status	status	NOUN
fsr-3444	346	4	,	,	PUNCT
fsr-3444	346	5	a	a	DET
fsr-3444	346	6	single	single	ADJ
fsr-3444	346	7	person	person	NOUN
fsr-3444	346	8	filing	filing	NOUN
fsr-3444	346	9	for	for	ADP
fsr-3444	346	10	bankruptcy	bankruptcy	NOUN
fsr-3444	346	11	is	be	AUX
fsr-3444	346	12	0.377	0.377	NUM
fsr-3444	346	13	times	time	NOUN
fsr-3444	346	14	the	the	DET
fsr-3444	346	15	odds	odd	NOUN
fsr-3444	346	16	of	of	ADP
fsr-3444	346	17	a	a	DET
fsr-3444	346	18	married	married	ADJ
fsr-3444	346	19	person	person	NOUN
fsr-3444	346	20	filing	file	VERB
fsr-3444	346	21	for	for	ADP
fsr-3444	346	22	bankruptcy	bankruptcy	NOUN
fsr-3444	346	23	(	(	PUNCT
fsr-3444	346	24	or=	or=	PROPN
fsr-3444	346	25	0.377	0.377	NUM
fsr-3444	346	26	,	,	PUNCT
fsr-3444	346	27	p	p	NOUN
fsr-3444	346	28	-	-	PUNCT
fsr-3444	346	29	value	value	NOUN
fsr-3444	346	30	=	=	NOUN
fsr-3444	346	31	0.002	0.002	NUM
fsr-3444	346	32	)	)	PUNCT
fsr-3444	346	33	.	.	PUNCT
fsr-3444	347	1	for	for	ADP
fsr-3444	347	2	education	education	NOUN
fsr-3444	347	3	,	,	PUNCT
fsr-3444	347	4	76	76	NUM
fsr-3444	347	5	s.	s.	PROPN
fsr-3444	347	6	e.	e.	PROPN
fsr-3444	347	7	kehiaian	kehiaian	PROPN
fsr-3444	347	8	et	et	PROPN
fsr-3444	347	9	al	al	PROPN
fsr-3444	347	10	.	.	PUNCT
fsr-3444	347	11	/	/	SYM
fsr-3444	347	12	financial	financial	ADJ
fsr-3444	347	13	services	service	NOUN
fsr-3444	347	14	review	review	VERB
fsr-3444	347	15	29	29	NUM
fsr-3444	347	16	(	(	PUNCT
fsr-3444	347	17	2021	2021	NUM
fsr-3444	347	18	)	)	PUNCT
fsr-3444	347	19	67–84	67–84	PROPN
fsr-3444	347	20	t	t	PROPN
fsr-3444	347	21	ab	ab	X
fsr-3444	347	22	le	le	ADP
fsr-3444	347	23	2	2	NUM
fsr-3444	347	24	p	p	NOUN
fsr-3444	347	25	sy	sy	INTJ
fsr-3444	347	26	ch	ch	NOUN
fsr-3444	348	1	o	o	NOUN
fsr-3444	349	1	lo	lo	NOUN
fsr-3444	350	1	g	g	PROPN
fsr-3444	351	1	ic	ic	PROPN
fsr-3444	352	1	al	al	PROPN
fsr-3444	352	2	ch	ch	PROPN
fsr-3444	352	3	ar	ar	PROPN
fsr-3444	352	4	ac	ac	PROPN
fsr-3444	352	5	te	te	PROPN
fsr-3444	352	6	ri	ri	PROPN
fsr-3444	352	7	st	st	PROPN
fsr-3444	353	1	ic	ic	PROPN
fsr-3444	353	2	s	s	VERB
fsr-3444	353	3	fo	fo	INTJ
fsr-3444	353	4	r	r	NOUN
fsr-3444	353	5	c	c	NOUN
fsr-3444	353	6	h	h	NOUN
fsr-3444	354	1	ap	ap	NOUN
fsr-3444	354	2	te	te	PROPN
fsr-3444	354	3	r	r	NOUN
fsr-3444	354	4	1	1	NUM
fsr-3444	354	5	3	3	NUM
fsr-3444	354	6	fi	fi	NOUN
fsr-3444	354	7	le	le	X
fsr-3444	354	8	rs	rs	PROPN
fsr-3444	354	9	an	an	DET
fsr-3444	354	10	d	d	PROPN
fsr-3444	354	11	n	n	ADP
fsr-3444	354	12	o	o	NOUN
fsr-3444	354	13	n	n	CCONJ
fsr-3444	354	14	-fi	-fi	ADV
fsr-3444	354	15	le	le	X
fsr-3444	354	16	rs	rs	PROPN
fsr-3444	355	1	p	p	NOUN
fsr-3444	355	2	sy	sy	INTJ
fsr-3444	355	3	ch	ch	NOUN
fsr-3444	356	1	o	o	NOUN
fsr-3444	356	2	lo	lo	NOUN
fsr-3444	357	1	g	g	PROPN
fsr-3444	357	2	ic	ic	PROPN
fsr-3444	357	3	al	al	PROPN
fsr-3444	357	4	ch	ch	PROPN
fsr-3444	357	5	ar	ar	PROPN
fsr-3444	357	6	ac	ac	PROPN
fsr-3444	357	7	te	te	PROPN
fsr-3444	357	8	ri	ri	PROPN
fsr-3444	357	9	st	st	PROPN
fsr-3444	357	10	ic	ic	PROPN
fsr-3444	357	11	s	s	PROPN
fsr-3444	357	12	f	f	X
fsr-3444	357	13	il	il	PROPN
fsr-3444	357	14	er	er	INTJ
fsr-3444	357	15	s	s	X
fsr-3444	357	16	(	(	PUNCT
fsr-3444	357	17	n	n	NOUN
fsr-3444	357	18	=	=	SYM
fsr-3444	357	19	3	3	NUM
fsr-3444	357	20	1	1	NUM
fsr-3444	357	21	4	4	NUM
fsr-3444	357	22	)	)	PUNCT
fsr-3444	357	23	(	(	PUNCT
fsr-3444	357	24	p	p	X
fsr-3444	357	25	er	er	INTJ
fsr-3444	357	26	ce	ce	PROPN
fsr-3444	357	27	n	n	PROPN
fsr-3444	357	28	t	t	PROPN
fsr-3444	357	29	)	)	PUNCT
fsr-3444	357	30	n	n	ADP
fsr-3444	357	31	o	o	NOUN
fsr-3444	357	32	n	n	CCONJ
fsr-3444	357	33	-fi	-fi	ADV
fsr-3444	357	34	le	le	X
fsr-3444	357	35	rs	rs	X
fsr-3444	357	36	(	(	PUNCT
fsr-3444	357	37	n	n	NOUN
fsr-3444	357	38	=	=	SYM
fsr-3444	357	39	2	2	NUM
fsr-3444	357	40	4	4	NUM
fsr-3444	357	41	6	6	NUM
fsr-3444	357	42	)	)	PUNCT
fsr-3444	357	43	(	(	PUNCT
fsr-3444	357	44	p	p	X
fsr-3444	357	45	er	er	INTJ
fsr-3444	357	46	ce	ce	PROPN
fsr-3444	357	47	n	n	PROPN
fsr-3444	357	48	t	t	PROPN
fsr-3444	357	49	)	)	PUNCT
fsr-3444	357	50	c	c	NOUN
fsr-3444	358	1	o	o	NOUN
fsr-3444	359	1	d	d	X
fsr-3444	359	2	es	e	VERB
fsr-3444	359	3	1	1	NUM
fsr-3444	359	4	=	=	SYM
fsr-3444	359	5	l	l	PROPN
fsr-3444	359	6	ea	ea	NOUN
fsr-3444	359	7	st	st	PROPN
fsr-3444	359	8	2	2	NUM
fsr-3444	359	9	3	3	NUM
fsr-3444	359	10	4	4	NUM
fsr-3444	359	11	5	5	NUM
fsr-3444	359	12	=	=	SYM
fsr-3444	359	13	m	m	VERB
fsr-3444	359	14	o	o	NOUN
fsr-3444	359	15	st	st	PROPN
fsr-3444	359	16	1	1	NUM
fsr-3444	359	17	=	=	SYM
fsr-3444	359	18	l	l	PROPN
fsr-3444	359	19	ea	ea	NOUN
fsr-3444	359	20	st	st	PROPN
fsr-3444	359	21	2	2	NUM
fsr-3444	359	22	3	3	NUM
fsr-3444	359	23	4	4	NUM
fsr-3444	359	24	5	5	NUM
fsr-3444	359	25	=	=	SYM
fsr-3444	359	26	m	m	VERB
fsr-3444	359	27	o	o	NOUN
fsr-3444	359	28	st	st	PROPN
fsr-3444	359	29	1	1	NUM
fsr-3444	359	30	.	.	PUNCT
fsr-3444	359	31	s	s	PART
fsr-3444	359	32	el	el	PROPN
fsr-3444	359	33	fef	fef	PROPN
fsr-3444	359	34	fi	fi	PROPN
fsr-3444	359	35	ca	can	AUX
fsr-3444	359	36	cy	cy	VERB
fsr-3444	359	37	:	:	PUNCT
fsr-3444	359	38	a.	a.	NOUN
fsr-3444	359	39	g	g	PROPN
fsr-3444	359	40	en	en	PROPN
fsr-3444	359	41	er	er	INTJ
fsr-3444	359	42	al	al	PROPN
fsr-3444	359	43	co	co	PROPN
fsr-3444	359	44	n	n	PROPN
fsr-3444	359	45	fi	fi	PROPN
fsr-3444	360	1	d	d	X
fsr-3444	360	2	en	en	PROPN
fsr-3444	360	3	ce	ce	PROPN
fsr-3444	360	4	le	le	X
fsr-3444	360	5	v	v	PROPN
fsr-3444	360	6	el	el	PROPN
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fsr-3444	360	17	2	2	NUM
fsr-3444	360	18	1	1	NUM
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fsr-3444	360	20	4	4	NUM
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fsr-3444	360	28	0	0	NUM
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fsr-3444	360	30	2	2	NUM
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fsr-3444	361	9	d	d	X
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fsr-3444	361	19	2	2	NUM
fsr-3444	361	20	.3	.3	NUM
fsr-3444	361	21	4	4	NUM
fsr-3444	361	22	5	5	NUM
fsr-3444	361	23	.5	.5	NUM
fsr-3444	361	24	1	1	NUM
fsr-3444	361	25	4	4	NUM
fsr-3444	361	26	.0	.0	NUM
fsr-3444	361	27	4	4	NUM
fsr-3444	361	28	.5	.5	NUM
fsr-3444	361	29	1	1	NUM
fsr-3444	361	30	4	4	NUM
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fsr-3444	363	16	3	3	NUM
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fsr-3444	363	20	4	4	NUM
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fsr-3444	363	22	.1	.1	NUM
fsr-3444	363	23	3	3	NUM
fsr-3444	363	24	1	1	NUM
fsr-3444	363	25	.5	.5	NUM
fsr-3444	363	26	1	1	NUM
fsr-3444	363	27	4	4	NUM
fsr-3444	363	28	.6	.6	NUM
fsr-3444	363	29	1	1	NUM
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fsr-3444	363	34	0	0	NUM
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fsr-3444	363	38	.8	.8	NUM
fsr-3444	363	39	2	2	NUM
fsr-3444	363	40	0	0	NUM
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fsr-3444	363	42	2	2	NUM
fsr-3444	363	43	.	.	PUNCT
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fsr-3444	364	12	:	:	PUNCT
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fsr-3444	367	11	1	1	NUM
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fsr-3444	367	17	1	1	NUM
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fsr-3444	385	7	y	y	PROPN
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fsr-3444	390	27	1	1	NUM
fsr-3444	390	28	8	8	NUM
fsr-3444	390	29	.3	.3	NUM
fsr-3444	390	30	9	9	NUM
fsr-3444	390	31	.8	.8	NUM
fsr-3444	390	32	6	6	NUM
fsr-3444	390	33	.9	.9	NUM
fsr-3444	390	34	g	g	PROPN
fsr-3444	390	35	.	.	PUNCT
fsr-3444	391	1	i	i	PRON
fsr-3444	391	2	b	b	X
fsr-3444	391	3	el	el	PROPN
fsr-3444	391	4	ie	ie	PROPN
fsr-3444	391	5	v	v	X
fsr-3444	391	6	e	e	X
fsr-3444	391	7	th	th	X
fsr-3444	391	8	e	e	X
fsr-3444	391	9	w	w	NOUN
fsr-3444	391	10	ay	ay	INTJ
fsr-3444	391	11	i	i	PRON
fsr-3444	391	12	m	m	VERB
fsr-3444	391	13	an	an	DET
fsr-3444	391	14	ag	ag	PROPN
fsr-3444	391	15	e	e	PROPN
fsr-3444	391	16	m	m	VERB
fsr-3444	391	17	y	y	PROPN
fsr-3444	391	18	m	m	NOUN
fsr-3444	391	19	o	o	NOUN
fsr-3444	392	1	n	n	INTJ
fsr-3444	392	2	ey	ey	INTJ
fsr-3444	392	3	w	w	PROPN
fsr-3444	392	4	il	il	PROPN
fsr-3444	392	5	l	l	X
fsr-3444	392	6	af	af	X
fsr-3444	392	7	fe	fe	PROPN
fsr-3444	392	8	ct	ct	NUM
fsr-3444	392	9	m	m	PROPN
fsr-3444	392	10	y	y	PROPN
fsr-3444	392	11	fu	fu	PROPN
fsr-3444	392	12	tu	tu	PROPN
fsr-3444	393	1	re	re	PROPN
fsr-3444	393	2	6	6	NUM
fsr-3444	393	3	.1	.1	NUM
fsr-3444	393	4	6	6	NUM
fsr-3444	393	5	.4	.4	NUM
fsr-3444	393	6	1	1	NUM
fsr-3444	393	7	9	9	NUM
fsr-3444	393	8	.1	.1	NUM
fsr-3444	393	9	2	2	NUM
fsr-3444	393	10	0	0	NUM
fsr-3444	393	11	.4	.4	NUM
fsr-3444	393	12	4	4	NUM
fsr-3444	393	13	8	8	NUM
fsr-3444	393	14	.1	.1	NUM
fsr-3444	393	15	5	5	NUM
fsr-3444	393	16	.7	.7	NUM
fsr-3444	393	17	6	6	NUM
fsr-3444	393	18	.5	.5	NUM
fsr-3444	393	19	1	1	NUM
fsr-3444	393	20	5	5	NUM
fsr-3444	393	21	.4	.4	NUM
fsr-3444	393	22	2	2	NUM
fsr-3444	393	23	4	4	NUM
fsr-3444	393	24	.4	.4	NUM
fsr-3444	393	25	4	4	NUM
fsr-3444	393	26	8	8	NUM
fsr-3444	393	27	.0	.0	NUM
fsr-3444	393	28	3	3	NUM
fsr-3444	393	29	.	.	PUNCT
fsr-3444	394	1	m	m	VERB
fsr-3444	394	2	o	o	INTJ
fsr-3444	394	3	ti	ti	X
fsr-3444	394	4	v	v	NOUN
fsr-3444	394	5	at	at	ADP
fsr-3444	394	6	io	io	PROPN
fsr-3444	394	7	n	n	PROPN
fsr-3444	394	8	:	:	PUNCT
fsr-3444	394	9	a.	a.	NOUN
fsr-3444	395	1	i	i	PRON
fsr-3444	395	2	p	p	VERB
fsr-3444	395	3	la	la	X
fsr-3444	395	4	n	n	X
fsr-3444	395	5	to	to	ADP
fsr-3444	395	6	ta	ta	PROPN
fsr-3444	396	1	k	k	PROPN
fsr-3444	396	2	e	e	PROPN
fsr-3444	396	3	m	m	VERB
fsr-3444	396	4	o	o	X
fsr-3444	396	5	re	re	NOUN
fsr-3444	396	6	fi	fi	NOUN
fsr-3444	396	7	n	n	CCONJ
fsr-3444	396	8	an	an	DET
fsr-3444	396	9	ci	ci	NOUN
fsr-3444	396	10	al	al	PROPN
fsr-3444	396	11	ed	ed	PROPN
fsr-3444	396	12	u	u	PROPN
fsr-3444	396	13	ca	can	AUX
fsr-3444	396	14	ti	ti	NOUN
fsr-3444	396	15	o	o	NOUN
fsr-3444	396	16	n	n	X
fsr-3444	396	17	co	co	VERB
fsr-3444	396	18	u	u	NOUN
fsr-3444	396	19	rs	rs	NOUN
fsr-3444	396	20	es	es	VERB
fsr-3444	396	21	1	1	NUM
fsr-3444	396	22	6	6	NUM
fsr-3444	396	23	.6	.6	NUM
fsr-3444	396	24	1	1	NUM
fsr-3444	396	25	4	4	NUM
fsr-3444	396	26	.6	.6	NUM
fsr-3444	396	27	3	3	NUM
fsr-3444	396	28	1	1	NUM
fsr-3444	396	29	.2	.2	NUM
fsr-3444	396	30	1	1	NUM
fsr-3444	396	31	7	7	NUM
fsr-3444	396	32	.2	.2	NUM
fsr-3444	396	33	2	2	NUM
fsr-3444	396	34	0	0	NUM
fsr-3444	396	35	.4	.4	NUM
fsr-3444	396	36	1	1	NUM
fsr-3444	396	37	6	6	NUM
fsr-3444	396	38	.7	.7	NUM
fsr-3444	396	39	2	2	NUM
fsr-3444	396	40	0	0	NUM
fsr-3444	396	41	.3	.3	NUM
fsr-3444	396	42	2	2	NUM
fsr-3444	396	43	6	6	NUM
fsr-3444	396	44	.4	.4	NUM
fsr-3444	396	45	1	1	NUM
fsr-3444	396	46	9	9	NUM
fsr-3444	396	47	.9	.9	NUM
fsr-3444	396	48	1	1	NUM
fsr-3444	396	49	6	6	NUM
fsr-3444	396	50	.7	.7	PROPN
fsr-3444	396	51	b	b	PROPN
fsr-3444	396	52	.	.	PUNCT
fsr-3444	397	1	i	i	PRON
fsr-3444	397	2	p	p	VERB
fsr-3444	397	3	la	la	PROPN
fsr-3444	397	4	n	n	ADP
fsr-3444	397	5	o	o	NOUN
fsr-3444	397	6	n	n	CCONJ
fsr-3444	397	7	su	su	PROPN
fsr-3444	397	8	b	b	PROPN
fsr-3444	397	9	st	st	PROPN
fsr-3444	397	10	an	an	DET
fsr-3444	397	11	ti	ti	X
fsr-3444	397	12	al	al	NOUN
fsr-3444	397	13	ly	ly	NOUN
fsr-3444	397	14	in	in	ADP
fsr-3444	397	15	cr	cr	PROPN
fsr-3444	397	16	ea	ea	PROPN
fsr-3444	397	17	sin	sin	VERB
fsr-3444	397	18	g	g	PROPN
fsr-3444	397	19	m	m	PROPN
fsr-3444	397	20	y	y	PROPN
fsr-3444	397	21	in	in	ADP
fsr-3444	397	22	co	co	PROPN
fsr-3444	397	23	m	m	PROPN
fsr-3444	397	24	e	e	NOUN
fsr-3444	397	25	1	1	NUM
fsr-3444	397	26	1	1	NUM
fsr-3444	397	27	.1	.1	NUM
fsr-3444	397	28	1	1	NUM
fsr-3444	397	29	4	4	NUM
fsr-3444	397	30	.6	.6	NUM
fsr-3444	397	31	2	2	NUM
fsr-3444	397	32	7	7	NUM
fsr-3444	397	33	.4	.4	NUM
fsr-3444	397	34	2	2	NUM
fsr-3444	397	35	3	3	NUM
fsr-3444	397	36	.2	.2	NUM
fsr-3444	397	37	2	2	NUM
fsr-3444	397	38	3	3	NUM
fsr-3444	397	39	.6	.6	NUM
fsr-3444	397	40	7	7	NUM
fsr-3444	397	41	.3	.3	NUM
fsr-3444	397	42	1	1	NUM
fsr-3444	397	43	3	3	NUM
fsr-3444	397	44	.4	.4	NUM
fsr-3444	397	45	2	2	NUM
fsr-3444	397	46	8	8	NUM
fsr-3444	397	47	.9	.9	NUM
fsr-3444	397	48	2	2	NUM
fsr-3444	397	49	0	0	NUM
fsr-3444	397	50	.7	.7	NUM
fsr-3444	397	51	2	2	NUM
fsr-3444	397	52	9	9	NUM
fsr-3444	397	53	.7	.7	PROPN
fsr-3444	397	54	c.	c.	NOUN
fsr-3444	398	1	i	i	PRON
fsr-3444	398	2	p	p	VERB
fsr-3444	398	3	la	la	X
fsr-3444	398	4	n	n	X
fsr-3444	398	5	to	to	PART
fsr-3444	398	6	in	in	ADP
fsr-3444	398	7	cr	cr	X
fsr-3444	398	8	ea	ea	PROPN
fsr-3444	398	9	se	se	PROPN
fsr-3444	398	10	m	m	PROPN
fsr-3444	398	11	y	y	PROPN
fsr-3444	398	12	n	n	ADV
fsr-3444	398	13	et	et	NOUN
fsr-3444	398	14	w	w	NOUN
fsr-3444	398	15	o	o	X
fsr-3444	398	16	rt	rt	PROPN
fsr-3444	398	17	h	h	NOUN
fsr-3444	398	18	7	7	NUM
fsr-3444	398	19	.6	.6	NUM
fsr-3444	398	20	9	9	NUM
fsr-3444	398	21	.2	.2	NUM
fsr-3444	398	22	2	2	NUM
fsr-3444	398	23	2	2	NUM
fsr-3444	398	24	.9	.9	NUM
fsr-3444	398	25	3	3	NUM
fsr-3444	398	26	0	0	NUM
fsr-3444	398	27	.3	.3	NUM
fsr-3444	398	28	2	2	NUM
fsr-3444	398	29	9	9	NUM
fsr-3444	398	30	.9	.9	NUM
fsr-3444	398	31	4	4	NUM
fsr-3444	398	32	.9	.9	NUM
fsr-3444	398	33	9	9	NUM
fsr-3444	398	34	.8	.8	NUM
fsr-3444	398	35	2	2	NUM
fsr-3444	398	36	4	4	NUM
fsr-3444	398	37	.0	.0	NUM
fsr-3444	398	38	2	2	NUM
fsr-3444	398	39	6	6	NUM
fsr-3444	398	40	.0	.0	NUM
fsr-3444	398	41	3	3	NUM
fsr-3444	398	42	5	5	NUM
fsr-3444	398	43	.4	.4	NUM
fsr-3444	398	44	4	4	NUM
fsr-3444	398	45	.	.	PUNCT
fsr-3444	399	1	s	s	PART
fsr-3444	399	2	el	el	PROPN
fsr-3444	399	3	fco	fco	PROPN
fsr-3444	399	4	n	n	PRON
fsr-3444	399	5	tr	tr	PROPN
fsr-3444	399	6	o	o	PROPN
fsr-3444	399	7	l	l	NOUN
fsr-3444	399	8	:	:	PUNCT
fsr-3444	400	1	a.	a.	NOUN
fsr-3444	400	2	h	h	NOUN
fsr-3444	401	1	o	o	INTJ
fsr-3444	401	2	w	w	VERB
fsr-3444	402	1	i	i	NOUN
fsr-3444	402	2	m	m	VERB
fsr-3444	402	3	p	p	NOUN
fsr-3444	402	4	o	o	X
fsr-3444	402	5	rt	rt	PROPN
fsr-3444	403	1	an	an	DET
fsr-3444	403	2	t	t	NOUN
fsr-3444	403	3	is	be	AUX
fsr-3444	403	4	i	i	PRON
fsr-3444	403	5	m	m	VERB
fsr-3444	403	6	m	m	VERB
fsr-3444	403	7	ed	ed	NOUN
fsr-3444	403	8	ia	ia	PROPN
fsr-3444	403	9	te	te	PROPN
fsr-3444	403	10	g	g	PROPN
fsr-3444	403	11	ra	ra	PROPN
fsr-3444	403	12	ti	ti	NOUN
fsr-3444	403	13	fi	fi	NOUN
fsr-3444	404	1	ca	can	AUX
fsr-3444	404	2	ti	ti	VERB
fsr-3444	404	3	o	o	NOUN
fsr-3444	404	4	n	n	ADP
fsr-3444	404	5	to	to	ADP
fsr-3444	404	6	y	y	PROPN
fsr-3444	404	7	o	o	PROPN
fsr-3444	405	1	u	u	NOUN
fsr-3444	405	2	?	?	PUNCT
fsr-3444	405	3	1	1	NUM
fsr-3444	405	4	2	2	NUM
fsr-3444	405	5	.1	.1	NUM
fsr-3444	405	6	5	5	NUM
fsr-3444	405	7	2	2	NUM
fsr-3444	405	8	.2	.2	NUM
fsr-3444	405	9	2	2	NUM
fsr-3444	405	10	8	8	NUM
fsr-3444	405	11	.7	.7	NUM
fsr-3444	405	12	7	7	NUM
fsr-3444	405	13	.0	.0	NUM
fsr-3444	405	14	2	2	NUM
fsr-3444	405	15	1	1	NUM
fsr-3444	405	16	.1	.1	NUM
fsr-3444	405	17	5	5	NUM
fsr-3444	405	18	2	2	NUM
fsr-3444	405	19	.4	.4	NUM
fsr-3444	405	20	1	1	NUM
fsr-3444	405	21	8	8	NUM
fsr-3444	405	22	.7	.7	NUM
fsr-3444	405	23	7	7	NUM
fsr-3444	405	24	.7	.7	PROPN
fsr-3444	405	25	b	b	PROPN
fsr-3444	405	26	.	.	PUNCT
fsr-3444	406	1	h	h	NOUN
fsr-3444	407	1	o	o	INTJ
fsr-3444	407	2	w	w	VERB
fsr-3444	408	1	i	i	NOUN
fsr-3444	408	2	m	m	VERB
fsr-3444	408	3	p	p	NOUN
fsr-3444	408	4	o	o	X
fsr-3444	408	5	rt	rt	PROPN
fsr-3444	409	1	an	an	DET
fsr-3444	409	2	t	t	PROPN
fsr-3444	409	3	is	be	AUX
fsr-3444	409	4	fi	fi	NOUN
fsr-3444	409	5	n	n	CCONJ
fsr-3444	409	6	an	an	DET
fsr-3444	409	7	ci	ci	NOUN
fsr-3444	409	8	al	al	PROPN
fsr-3444	409	9	p	p	PROPN
fsr-3444	409	10	la	la	PROPN
fsr-3444	409	11	n	n	CCONJ
fsr-3444	409	12	n	n	NOUN
fsr-3444	409	13	in	in	ADP
fsr-3444	409	14	g	g	NOUN
fsr-3444	409	15	to	to	ADP
fsr-3444	409	16	y	y	PROPN
fsr-3444	409	17	o	o	PROPN
fsr-3444	409	18	u	u	NOUN
fsr-3444	409	19	?	?	PUNCT
fsr-3444	410	1	2	2	NUM
fsr-3444	411	1	.2	.2	NUM
fsr-3444	411	2	2	2	NUM
fsr-3444	411	3	8	8	NUM
fsr-3444	411	4	.0	.0	NUM
fsr-3444	411	5	5	5	NUM
fsr-3444	411	6	3	3	NUM
fsr-3444	411	7	.8	.8	NUM
fsr-3444	411	8	1	1	NUM
fsr-3444	411	9	5	5	NUM
fsr-3444	411	10	.9	.9	NUM
fsr-3444	411	11	2	2	NUM
fsr-3444	411	12	.0	.0	NUM
fsr-3444	411	13	3	3	NUM
fsr-3444	411	14	3	3	NUM
fsr-3444	411	15	.3	.3	NUM
fsr-3444	411	16	4	4	NUM
fsr-3444	411	17	1	1	NUM
fsr-3444	411	18	.5	.5	NUM
fsr-3444	411	19	2	2	NUM
fsr-3444	411	20	3	3	NUM
fsr-3444	411	21	.2	.2	NUM
fsr-3444	411	22	n	n	INTJ
fsr-3444	411	23	o	o	INTJ
fsr-3444	411	24	te	te	X
fsr-3444	411	25	:	:	PUNCT
fsr-3444	411	26	t	t	PROPN
fsr-3444	411	27	h	h	NOUN
fsr-3444	411	28	is	be	AUX
fsr-3444	411	29	ta	ta	ADP
fsr-3444	411	30	b	b	X
fsr-3444	411	31	le	le	PROPN
fsr-3444	411	32	p	p	X
fsr-3444	411	33	ro	ro	X
fsr-3444	411	34	v	v	INTJ
fsr-3444	411	35	i	i	PROPN
fsr-3444	411	36	d	d	PROPN
fsr-3444	411	37	es	es	X
fsr-3444	411	38	th	th	X
fsr-3444	411	39	e	e	X
fsr-3444	411	40	fr	fr	NOUN
fsr-3444	411	41	eq	eq	ADP
fsr-3444	411	42	u	u	PROPN
fsr-3444	411	43	en	en	PROPN
fsr-3444	411	44	cy	cy	PROPN
fsr-3444	411	45	d	d	PROPN
fsr-3444	411	46	is	be	AUX
fsr-3444	411	47	tr	tr	VERB
fsr-3444	411	48	ib	ib	NOUN
fsr-3444	411	49	u	u	NOUN
fsr-3444	411	50	ti	ti	NOUN
fsr-3444	411	51	o	o	NOUN
fsr-3444	411	52	n	n	PROPN
fsr-3444	411	53	in	in	ADP
fsr-3444	411	54	p	p	PROPN
fsr-3444	411	55	er	er	INTJ
fsr-3444	411	56	ce	ce	PROPN
fsr-3444	411	57	n	n	X
fsr-3444	411	58	ta	ta	X
fsr-3444	412	1	g	g	PROPN
fsr-3444	412	2	e	e	PROPN
fsr-3444	412	3	o	o	NOUN
fsr-3444	412	4	f	f	X
fsr-3444	413	1	p	p	X
fsr-3444	413	2	sy	sy	INTJ
fsr-3444	413	3	ch	ch	NOUN
fsr-3444	413	4	o	o	NOUN
fsr-3444	414	1	lo	lo	NOUN
fsr-3444	414	2	g	g	PROPN
fsr-3444	414	3	ic	ic	PROPN
fsr-3444	414	4	al	al	PROPN
fsr-3444	414	5	ch	ch	PROPN
fsr-3444	414	6	ar	ar	PROPN
fsr-3444	414	7	ac	ac	PROPN
fsr-3444	414	8	te	te	PROPN
fsr-3444	414	9	ri	ri	PROPN
fsr-3444	414	10	st	st	PROPN
fsr-3444	414	11	ic	ic	PROPN
fsr-3444	414	12	s	s	VERB
fsr-3444	414	13	fo	fo	INTJ
fsr-3444	414	14	r	r	NOUN
fsr-3444	414	15	c	c	NOUN
fsr-3444	414	16	h	h	NOUN
fsr-3444	415	1	ap	ap	NOUN
fsr-3444	415	2	te	te	PROPN
fsr-3444	415	3	r	r	NOUN
fsr-3444	415	4	1	1	NUM
fsr-3444	415	5	3	3	NUM
fsr-3444	415	6	fi	fi	NOUN
fsr-3444	415	7	le	le	X
fsr-3444	415	8	rs	rs	PROPN
fsr-3444	415	9	an	an	DET
fsr-3444	415	10	d	d	PROPN
fsr-3444	415	11	n	n	ADP
fsr-3444	415	12	o	o	NOUN
fsr-3444	415	13	n	n	CCONJ
fsr-3444	415	14	-fi	-fi	ADV
fsr-3444	415	15	le	le	X
fsr-3444	415	16	rs	rs	PROPN
fsr-3444	415	17	.	.	PUNCT
fsr-3444	416	1	a	a	DET
fsr-3444	416	2	ll	ll	NOUN
fsr-3444	416	3	d	d	NOUN
fsr-3444	416	4	at	at	ADP
fsr-3444	416	5	a	a	DET
fsr-3444	416	6	ar	ar	NOUN
fsr-3444	416	7	e	e	PROPN
fsr-3444	416	8	m	m	PROPN
fsr-3444	416	9	ea	ea	PROPN
fsr-3444	416	10	su	su	PROPN
fsr-3444	416	11	re	re	PROPN
fsr-3444	416	12	d	d	X
fsr-3444	416	13	u	u	VERB
fsr-3444	416	14	si	si	X
fsr-3444	416	15	n	n	ADV
fsr-3444	416	16	g	g	PROPN
fsr-3444	416	17	a	a	DET
fsr-3444	416	18	l	l	NOUN
fsr-3444	416	19	ik	ik	PROPN
fsr-3444	416	20	er	er	INTJ
fsr-3444	416	21	t	t	PROPN
fsr-3444	416	22	sc	sc	PROPN
fsr-3444	416	23	al	al	PROPN
fsr-3444	416	24	e.	e.	PROPN
fsr-3444	416	25	s.	s.	PROPN
fsr-3444	416	26	e.	e.	PROPN
fsr-3444	416	27	kehiaian	kehiaian	PROPN
fsr-3444	416	28	et	et	PROPN
fsr-3444	416	29	al	al	PROPN
fsr-3444	416	30	.	.	PUNCT
fsr-3444	416	31	/	/	SYM
fsr-3444	416	32	financial	financial	ADJ
fsr-3444	416	33	services	service	NOUN
fsr-3444	416	34	review	review	VERB
fsr-3444	416	35	29	29	NUM
fsr-3444	416	36	(	(	PUNCT
fsr-3444	416	37	2021	2021	NUM
fsr-3444	416	38	)	)	PUNCT
fsr-3444	416	39	67–84	67–84	NOUN
fsr-3444	416	40	77	77	NUM
fsr-3444	416	41	t	t	X
fsr-3444	416	42	ab	ab	PROPN
fsr-3444	416	43	le	le	PROPN
fsr-3444	416	44	3	3	NUM
fsr-3444	416	45	b	b	PROPN
fsr-3444	416	46	in	in	ADP
fsr-3444	416	47	ar	ar	PROPN
fsr-3444	416	48	y	y	PROPN
fsr-3444	416	49	lo	lo	PROPN
fsr-3444	416	50	g	g	PROPN
fsr-3444	416	51	is	be	AUX
fsr-3444	416	52	ti	ti	X
fsr-3444	416	53	c	c	NOUN
fsr-3444	416	54	re	re	ADP
fsr-3444	416	55	g	g	PROPN
fsr-3444	416	56	re	re	ADP
fsr-3444	416	57	ss	ss	PROPN
fsr-3444	416	58	io	io	PROPN
fsr-3444	416	59	n	n	PROPN
fsr-3444	416	60	re	re	PROPN
fsr-3444	416	61	su	su	PROPN
fsr-3444	417	1	lt	lt	PROPN
fsr-3444	417	2	s	s	PROPN
fsr-3444	417	3	fo	fo	INTJ
fsr-3444	417	4	r	r	NOUN
fsr-3444	418	1	d	d	NOUN
fsr-3444	418	2	em	em	PRON
fsr-3444	419	1	o	o	INTJ
fsr-3444	420	1	g	g	NOUN
fsr-3444	420	2	ra	ra	PROPN
fsr-3444	421	1	p	p	NOUN
fsr-3444	421	2	h	h	NOUN
fsr-3444	422	1	ic	ic	PROPN
fsr-3444	422	2	d	d	NOUN
fsr-3444	422	3	if	if	SCONJ
fsr-3444	422	4	fe	fe	X
fsr-3444	422	5	re	re	X
fsr-3444	422	6	n	n	X
fsr-3444	422	7	ce	ce	PROPN
fsr-3444	422	8	s	s	PROPN
fsr-3444	422	9	b	b	PROPN
fsr-3444	422	10	et	et	PROPN
fsr-3444	422	11	w	w	PROPN
fsr-3444	422	12	ee	ee	PROPN
fsr-3444	422	13	n	n	PROPN
fsr-3444	422	14	fi	fi	NOUN
fsr-3444	422	15	le	le	X
fsr-3444	422	16	rs	rs	PROPN
fsr-3444	422	17	an	an	DET
fsr-3444	422	18	d	d	PROPN
fsr-3444	422	19	n	n	ADP
fsr-3444	422	20	o	o	NOUN
fsr-3444	422	21	n	n	CCONJ
fsr-3444	422	22	-fi	-fi	ADV
fsr-3444	422	23	le	le	X
fsr-3444	422	24	rs	rs	PROPN
fsr-3444	423	1	d	d	INTJ
fsr-3444	423	2	em	em	PRON
fsr-3444	423	3	o	o	INTJ
fsr-3444	423	4	g	g	NOUN
fsr-3444	423	5	ra	ra	PROPN
fsr-3444	424	1	p	p	NOUN
fsr-3444	424	2	h	h	NOUN
fsr-3444	425	1	ic	ic	PROPN
fsr-3444	425	2	ch	ch	PROPN
fsr-3444	425	3	ar	ar	PROPN
fsr-3444	425	4	ac	ac	PROPN
fsr-3444	425	5	te	te	PROPN
fsr-3444	425	6	ri	ri	PROPN
fsr-3444	425	7	st	st	PROPN
fsr-3444	426	1	ic	ic	PROPN
fsr-3444	426	2	s	s	PROPN
fsr-3444	426	3	b	b	PROPN
fsr-3444	426	4	s	s	ADP
fsr-3444	426	5	e	e	NOUN
fsr-3444	426	6	s	s	VERB
fsr-3444	426	7	ig	ig	PROPN
fsr-3444	426	8	.	.	PUNCT
fsr-3444	427	1	e	e	X
fsr-3444	427	2	x	x	X
fsr-3444	427	3	p	p	X
fsr-3444	427	4	(	(	PUNCT
fsr-3444	427	5	b	b	NOUN
fsr-3444	427	6	)	)	PUNCT
fsr-3444	428	1	d	d	NOUN
fsr-3444	428	2	em	em	PRON
fsr-3444	429	1	o	o	INTJ
fsr-3444	430	1	g	g	NOUN
fsr-3444	430	2	ra	ra	PROPN
fsr-3444	431	1	p	p	NOUN
fsr-3444	431	2	h	h	NOUN
fsr-3444	431	3	ic	ic	PROPN
fsr-3444	431	4	v	v	PROPN
fsr-3444	431	5	ar	ar	PROPN
fsr-3444	431	6	ia	ia	PROPN
fsr-3444	431	7	b	b	PROPN
fsr-3444	431	8	le	le	PROPN
fsr-3444	431	9	s	s	PROPN
fsr-3444	431	10	:	:	PUNCT
fsr-3444	431	11	1	1	NUM
fsr-3444	431	12	.	.	PUNCT
fsr-3444	432	1	g	g	PROPN
fsr-3444	432	2	en	en	PROPN
fsr-3444	432	3	d	d	X
fsr-3444	432	4	er	er	INTJ
fsr-3444	432	5	(	(	PUNCT
fsr-3444	432	6	f	f	NOUN
fsr-3444	432	7	em	em	PROPN
fsr-3444	432	8	al	al	PROPN
fsr-3444	432	9	e	e	PROPN
fsr-3444	432	10	=	=	PUNCT
fsr-3444	432	11	0	0	NUM
fsr-3444	432	12	,	,	PUNCT
fsr-3444	432	13	m	m	VERB
fsr-3444	432	14	al	al	PROPN
fsr-3444	432	15	e	e	NOUN
fsr-3444	432	16	=	=	PROPN
fsr-3444	432	17	1	1	X
fsr-3444	432	18	)	)	PUNCT
fsr-3444	432	19	0	0	NUM
fsr-3444	433	1	.7	.7	NUM
fsr-3444	433	2	3	3	NUM
fsr-3444	433	3	0	0	NUM
fsr-3444	433	4	0	0	NUM
fsr-3444	434	1	.2	.2	NUM
fsr-3444	434	2	5	5	NUM
fsr-3444	434	3	3	3	NUM
fsr-3444	434	4	0	0	NUM
fsr-3444	434	5	.0	.0	NUM
fsr-3444	434	6	0	0	NUM
fsr-3444	434	7	4	4	NUM
fsr-3444	434	8	2	2	NUM
fsr-3444	434	9	.0	.0	NUM
fsr-3444	434	10	7	7	NUM
fsr-3444	434	11	5	5	NUM
fsr-3444	434	12	*	*	PUNCT
fsr-3444	434	13	*	*	SYM
fsr-3444	434	14	2	2	NUM
fsr-3444	434	15	.	.	PUNCT
fsr-3444	435	1	e	e	X
fsr-3444	435	2	d	d	X
fsr-3444	435	3	u	u	PRON
fsr-3444	435	4	ca	can	AUX
fsr-3444	435	5	ti	ti	NOUN
fsr-3444	435	6	o	o	PROPN
fsr-3444	435	7	n	n	X
fsr-3444	435	8	�	�	PROPN
fsr-3444	435	9	0	0	NUM
fsr-3444	435	10	.2	.2	NUM
fsr-3444	435	11	4	4	NUM
fsr-3444	435	12	7	7	NUM
fsr-3444	435	13	0	0	NUM
fsr-3444	435	14	.0	.0	NUM
fsr-3444	435	15	9	9	NUM
fsr-3444	435	16	0	0	NUM
fsr-3444	435	17	0	0	NUM
fsr-3444	436	1	.0	.0	NUM
fsr-3444	436	2	0	0	NUM
fsr-3444	437	1	6	6	NUM
fsr-3444	437	2	0	0	NUM
fsr-3444	437	3	.7	.7	NUM
fsr-3444	437	4	8	8	NUM
fsr-3444	437	5	1	1	NUM
fsr-3444	437	6	*	*	PUNCT
fsr-3444	437	7	*	*	PUNCT
fsr-3444	437	8	3	3	X
fsr-3444	437	9	.	.	PUNCT
fsr-3444	438	1	y	y	PROPN
fsr-3444	438	2	ea	ea	PROPN
fsr-3444	439	1	rs	rs	INTJ
fsr-3444	440	1	o	o	INTJ
fsr-3444	440	2	f	f	PROPN
fsr-3444	441	1	w	w	NOUN
fsr-3444	441	2	o	o	INTJ
fsr-3444	441	3	rk	rk	NOUN
fsr-3444	441	4	0	0	NUM
fsr-3444	442	1	.2	.2	NUM
fsr-3444	442	2	8	8	NUM
fsr-3444	442	3	0	0	NUM
fsr-3444	442	4	0	0	NUM
fsr-3444	442	5	.0	.0	NUM
fsr-3444	442	6	8	8	NUM
fsr-3444	442	7	0	0	NUM
fsr-3444	442	8	0	0	NUM
fsr-3444	443	1	.0	.0	NUM
fsr-3444	443	2	0	0	NUM
fsr-3444	443	3	0	0	NUM
fsr-3444	443	4	1	1	NUM
fsr-3444	443	5	.3	.3	NUM
fsr-3444	443	6	2	2	NUM
fsr-3444	443	7	3	3	NUM
fsr-3444	443	8	*	*	PUNCT
fsr-3444	443	9	*	*	PUNCT
fsr-3444	443	10	*	*	PUNCT
fsr-3444	443	11	4	4	NUM
fsr-3444	443	12	.	.	PUNCT
fsr-3444	444	1	l	l	NOUN
fsr-3444	444	2	ev	ev	INTJ
fsr-3444	445	1	el	el	PROPN
fsr-3444	445	2	o	o	PROPN
fsr-3444	445	3	f	f	X
fsr-3444	445	4	re	re	VERB
fsr-3444	445	5	li	li	PROPN
fsr-3444	445	6	g	g	PROPN
fsr-3444	445	7	io	io	PROPN
fsr-3444	445	8	u	u	PROPN
fsr-3444	445	9	s	s	X
fsr-3444	445	10	co	co	NOUN
fsr-3444	445	11	m	m	VERB
fsr-3444	445	12	m	m	VERB
fsr-3444	445	13	it	it	PRON
fsr-3444	445	14	m	m	VERB
fsr-3444	445	15	en	en	ADP
fsr-3444	445	16	t	t	PROPN
fsr-3444	445	17	(	(	PUNCT
fsr-3444	445	18	1	1	NUM
fsr-3444	445	19	=	=	SYM
fsr-3444	445	20	n	n	PART
fsr-3444	445	21	o	o	NOUN
fsr-3444	445	22	n	n	CCONJ
fsr-3444	445	23	e	e	NOUN
fsr-3444	445	24	,	,	PUNCT
fsr-3444	445	25	2	2	NUM
fsr-3444	445	26	=	=	SYM
fsr-3444	445	27	lo	lo	PROPN
fsr-3444	445	28	w	w	NOUN
fsr-3444	445	29	,	,	PUNCT
fsr-3444	445	30	3	3	X
fsr-3444	445	31	=	=	SYM
fsr-3444	445	32	so	so	ADV
fsr-3444	445	33	m	m	VERB
fsr-3444	445	34	ew	ew	INTJ
fsr-3444	445	35	h	h	NOUN
fsr-3444	445	36	at	at	ADP
fsr-3444	445	37	,	,	PUNCT
fsr-3444	445	38	an	an	DET
fsr-3444	445	39	d	d	NOUN
fsr-3444	445	40	4	4	NUM
fsr-3444	445	41	=	=	SYM
fsr-3444	445	42	h	h	NOUN
fsr-3444	445	43	ig	ig	PROPN
fsr-3444	445	44	h	h	PROPN
fsr-3444	445	45	)	)	PUNCT
fsr-3444	445	46	�	�	PROPN
fsr-3444	445	47	0	0	NUM
fsr-3444	445	48	.3	.3	NUM
fsr-3444	445	49	0	0	NUM
fsr-3444	446	1	6	6	NUM
fsr-3444	446	2	0	0	NUM
fsr-3444	446	3	.1	.1	NUM
fsr-3444	446	4	3	3	NUM
fsr-3444	446	5	2	2	NUM
fsr-3444	446	6	0	0	NUM
fsr-3444	446	7	.0	.0	NUM
fsr-3444	446	8	2	2	NUM
fsr-3444	446	9	1	1	NUM
fsr-3444	446	10	0	0	NUM
fsr-3444	446	11	.7	.7	NUM
fsr-3444	446	12	3	3	NUM
fsr-3444	446	13	7	7	NUM
fsr-3444	446	14	*	*	PUNCT
fsr-3444	446	15	*	*	PUNCT
fsr-3444	446	16	5	5	NUM
fsr-3444	446	17	.	.	PUNCT
fsr-3444	447	1	p	p	PROPN
fsr-3444	447	2	ri	ri	PROPN
fsr-3444	447	3	m	m	PROPN
fsr-3444	447	4	ar	ar	PROPN
fsr-3444	447	5	y	y	PROPN
fsr-3444	447	6	re	re	X
fsr-3444	447	7	si	si	PROPN
fsr-3444	447	8	d	d	PROPN
fsr-3444	447	9	en	en	PROPN
fsr-3444	447	10	ce	ce	PROPN
fsr-3444	447	11	(	(	PUNCT
fsr-3444	447	12	0	0	NUM
fsr-3444	447	13	=	=	PUNCT
fsr-3444	447	14	o	o	X
fsr-3444	447	15	w	w	NOUN
fsr-3444	447	16	n	n	PROPN
fsr-3444	447	17	,	,	PUNCT
fsr-3444	447	18	an	an	DET
fsr-3444	447	19	d	d	NOUN
fsr-3444	447	20	1	1	NUM
fsr-3444	447	21	=	=	SYM
fsr-3444	447	22	re	re	X
fsr-3444	447	23	n	n	PROPN
fsr-3444	447	24	t	t	PROPN
fsr-3444	447	25	)	)	PUNCT
fsr-3444	447	26	1	1	NUM
fsr-3444	448	1	.6	.6	NUM
fsr-3444	448	2	0	0	NUM
fsr-3444	448	3	2	2	NUM
fsr-3444	448	4	0	0	NUM
fsr-3444	448	5	.2	.2	NUM
fsr-3444	448	6	7	7	NUM
fsr-3444	448	7	0	0	NUM
fsr-3444	448	8	0	0	NUM
fsr-3444	449	1	.0	.0	NUM
fsr-3444	449	2	0	0	NUM
fsr-3444	449	3	0	0	NUM
fsr-3444	449	4	4	4	NUM
fsr-3444	449	5	.9	.9	NUM
fsr-3444	449	6	6	6	NUM
fsr-3444	449	7	3	3	NUM
fsr-3444	449	8	*	*	PUNCT
fsr-3444	449	9	*	*	PUNCT
fsr-3444	450	1	*	*	PUNCT
fsr-3444	450	2	6	6	NUM
fsr-3444	450	3	.	.	PUNCT
fsr-3444	451	1	p	p	PROPN
fsr-3444	451	2	ar	ar	PROPN
fsr-3444	451	3	en	en	X
fsr-3444	451	4	ts	ts	NOUN
fsr-3444	451	5	’	'	PUNCT
fsr-3444	451	6	h	h	NOUN
fsr-3444	451	7	ig	ig	PROPN
fsr-3444	451	8	h	h	NOUN
fsr-3444	451	9	es	es	X
fsr-3444	451	10	t	t	PROPN
fsr-3444	451	11	in	in	ADP
fsr-3444	451	12	co	co	VERB
fsr-3444	451	13	m	m	PROPN
fsr-3444	451	14	e	e	X
fsr-3444	451	15	le	le	X
fsr-3444	451	16	v	v	PROPN
fsr-3444	451	17	el	el	PROPN
fsr-3444	451	18	(	(	PUNCT
fsr-3444	451	19	1	1	NUM
fsr-3444	451	20	=	=	NOUN
fsr-3444	451	21	<	<	X
fsr-3444	452	1	$	$	SYM
fsr-3444	452	2	2	2	NUM
fsr-3444	452	3	0	0	NUM
fsr-3444	452	4	k	k	NOUN
fsr-3444	452	5	,	,	PUNCT
fsr-3444	452	6	2	2	NUM
fsr-3444	452	7	=	=	SYM
fsr-3444	452	8	$	$	SYM
fsr-3444	452	9	2	2	NUM
fsr-3444	452	10	1	1	NUM
fsr-3444	452	11	–	–	PUNCT
fsr-3444	452	12	$	$	SYM
fsr-3444	452	13	3	3	NUM
fsr-3444	452	14	0	0	NUM
fsr-3444	453	1	k	k	NOUN
fsr-3444	453	2	,	,	PUNCT
fsr-3444	453	3	3	3	X
fsr-3444	453	4	=	=	SYM
fsr-3444	453	5	$	$	SYM
fsr-3444	453	6	3	3	NUM
fsr-3444	453	7	1	1	NUM
fsr-3444	453	8	–	–	PUNCT
fsr-3444	453	9	$	$	SYM
fsr-3444	453	10	4	4	NUM
fsr-3444	453	11	5	5	NUM
fsr-3444	453	12	k	k	NOUN
fsr-3444	453	13	,	,	PUNCT
fsr-3444	453	14	4	4	NUM
fsr-3444	453	15	=	=	SYM
fsr-3444	453	16	$	$	SYM
fsr-3444	453	17	4	4	NUM
fsr-3444	453	18	6	6	NUM
fsr-3444	453	19	–	–	PUNCT
fsr-3444	453	20	$	$	SYM
fsr-3444	453	21	7	7	NUM
fsr-3444	453	22	5	5	NUM
fsr-3444	453	23	k	k	NOUN
fsr-3444	453	24	,	,	PUNCT
fsr-3444	453	25	5	5	NUM
fsr-3444	453	26	=	=	SYM
fsr-3444	453	27	$	$	SYM
fsr-3444	453	28	7	7	NUM
fsr-3444	453	29	6	6	NUM
fsr-3444	453	30	–	–	PUNCT
fsr-3444	453	31	$	$	SYM
fsr-3444	453	32	1	1	NUM
fsr-3444	453	33	0	0	NUM
fsr-3444	453	34	0	0	NUM
fsr-3444	454	1	k	k	NOUN
fsr-3444	454	2	,	,	PUNCT
fsr-3444	454	3	6	6	NUM
fsr-3444	454	4	=	=	SYM
fsr-3444	454	5	$	$	SYM
fsr-3444	454	6	1	1	NUM
fsr-3444	454	7	0	0	NUM
fsr-3444	454	8	0	0	NUM
fsr-3444	454	9	–	–	PUNCT
fsr-3444	454	10	$	$	SYM
fsr-3444	454	11	1	1	NUM
fsr-3444	454	12	5	5	NUM
fsr-3444	454	13	0	0	NUM
fsr-3444	454	14	,	,	PUNCT
fsr-3444	454	15	an	an	PRON
fsr-3444	454	16	d	d	NOUN
fsr-3444	454	17	7	7	NUM
fsr-3444	454	18	=	=	SYM
fsr-3444	454	19	>	>	SYM
fsr-3444	454	20	$	$	SYM
fsr-3444	454	21	1	1	NUM
fsr-3444	454	22	5	5	NUM
fsr-3444	454	23	0	0	NUM
fsr-3444	454	24	k	k	PROPN
fsr-3444	454	25	)	)	PUNCT
fsr-3444	454	26	�	�	PROPN
fsr-3444	454	27	0	0	NUM
fsr-3444	454	28	.1	.1	NUM
fsr-3444	454	29	4	4	NUM
fsr-3444	454	30	0	0	NUM
fsr-3444	454	31	0	0	NUM
fsr-3444	454	32	.0	.0	NUM
fsr-3444	454	33	7	7	NUM
fsr-3444	454	34	8	8	NUM
fsr-3444	454	35	0	0	NUM
fsr-3444	454	36	.0	.0	NUM
fsr-3444	454	37	7	7	NUM
fsr-3444	454	38	2	2	NUM
fsr-3444	454	39	0	0	NUM
fsr-3444	454	40	.8	.8	NUM
fsr-3444	454	41	6	6	NUM
fsr-3444	454	42	9	9	NUM
fsr-3444	454	43	*	*	SYM
fsr-3444	454	44	7	7	NUM
fsr-3444	454	45	.	.	PUNCT
fsr-3444	455	1	r	r	NOUN
fsr-3444	455	2	ac	ac	PROPN
fsr-3444	455	3	e	e	PROPN
fsr-3444	455	4	(	(	PUNCT
fsr-3444	455	5	w	w	NOUN
fsr-3444	455	6	h	h	NOUN
fsr-3444	455	7	it	it	PRON
fsr-3444	455	8	e	e	NOUN
fsr-3444	455	9	=	=	NOUN
fsr-3444	455	10	0	0	NUM
fsr-3444	455	11	,	,	PUNCT
fsr-3444	455	12	(	(	PUNCT
fsr-3444	455	13	b	b	X
fsr-3444	455	14	en	en	ADP
fsr-3444	455	15	ch	ch	PROPN
fsr-3444	455	16	m	m	PROPN
fsr-3444	455	17	ar	ar	PROPN
fsr-3444	455	18	k	k	PROPN
fsr-3444	455	19	)	)	PUNCT
fsr-3444	455	20	)	)	PUNCT
fsr-3444	455	21	0	0	NUM
fsr-3444	456	1	.0	.0	NUM
fsr-3444	456	2	1	1	NUM
fsr-3444	456	3	3	3	NUM
fsr-3444	456	4	*	*	PUNCT
fsr-3444	456	5	*	*	PUNCT
fsr-3444	456	6	r	r	X
fsr-3444	456	7	ac	ac	NOUN
fsr-3444	456	8	e	e	PROPN
fsr-3444	456	9	(	(	PUNCT
fsr-3444	456	10	b	b	X
fsr-3444	456	11	la	la	NOUN
fsr-3444	456	12	ck	ck	NOUN
fsr-3444	456	13	=	=	SYM
fsr-3444	456	14	1	1	NUM
fsr-3444	456	15	,	,	PUNCT
fsr-3444	456	16	w	w	NOUN
fsr-3444	456	17	h	h	NOUN
fsr-3444	457	1	it	it	PRON
fsr-3444	457	2	es	es	ADP
fsr-3444	457	3	an	an	DET
fsr-3444	457	4	d	d	X
fsr-3444	457	5	o	o	X
fsr-3444	457	6	th	th	INTJ
fsr-3444	457	7	er	er	INTJ
fsr-3444	457	8	ra	ra	PROPN
fsr-3444	457	9	ce	ce	PROPN
fsr-3444	457	10	s	s	PART
fsr-3444	457	11	=	=	NOUN
fsr-3444	457	12	0	0	NUM
fsr-3444	457	13	)	)	PUNCT
fsr-3444	457	14	0	0	NUM
fsr-3444	458	1	.8	.8	NUM
fsr-3444	458	2	1	1	NUM
fsr-3444	458	3	7	7	NUM
fsr-3444	458	4	0	0	NUM
fsr-3444	458	5	.2	.2	NUM
fsr-3444	458	6	7	7	NUM
fsr-3444	458	7	8	8	NUM
fsr-3444	458	8	0	0	NUM
fsr-3444	458	9	.0	.0	NUM
fsr-3444	458	10	0	0	NUM
fsr-3444	458	11	3	3	NUM
fsr-3444	458	12	2	2	NUM
fsr-3444	458	13	.2	.2	NUM
fsr-3444	458	14	6	6	NUM
fsr-3444	458	15	4	4	NUM
fsr-3444	458	16	*	*	PUNCT
fsr-3444	458	17	*	*	PUNCT
fsr-3444	458	18	r	r	X
fsr-3444	458	19	ac	ac	NOUN
fsr-3444	458	20	e	e	PROPN
fsr-3444	458	21	(	(	PUNCT
fsr-3444	458	22	o	o	X
fsr-3444	458	23	th	th	INTJ
fsr-3444	458	24	er	er	INTJ
fsr-3444	458	25	ra	ra	PROPN
fsr-3444	458	26	ce	ce	PROPN
fsr-3444	458	27	s	s	PART
fsr-3444	458	28	=	=	SYM
fsr-3444	458	29	1	1	NUM
fsr-3444	458	30	,	,	PUNCT
fsr-3444	458	31	w	w	NOUN
fsr-3444	458	32	h	h	NOUN
fsr-3444	459	1	it	it	PRON
fsr-3444	459	2	es	es	VERB
fsr-3444	459	3	an	an	DET
fsr-3444	459	4	d	d	X
fsr-3444	459	5	b	b	PROPN
fsr-3444	459	6	la	la	NOUN
fsr-3444	459	7	ck	ck	PROPN
fsr-3444	459	8	s	s	PART
fsr-3444	459	9	=	=	NOUN
fsr-3444	459	10	0	0	NUM
fsr-3444	459	11	)	)	PUNCT
fsr-3444	459	12	0	0	NUM
fsr-3444	460	1	.5	.5	NUM
fsr-3444	460	2	9	9	NUM
fsr-3444	460	3	2	2	NUM
fsr-3444	460	4	0	0	NUM
fsr-3444	460	5	.5	.5	NUM
fsr-3444	460	6	3	3	NUM
fsr-3444	460	7	8	8	NUM
fsr-3444	460	8	0	0	NUM
fsr-3444	460	9	.2	.2	NUM
fsr-3444	460	10	7	7	NUM
fsr-3444	460	11	0	0	NUM
fsr-3444	460	12	1	1	NUM
fsr-3444	460	13	.8	.8	NUM
fsr-3444	460	14	0	0	NUM
fsr-3444	460	15	8	8	NUM
fsr-3444	460	16	8	8	NUM
fsr-3444	460	17	.	.	PUNCT
fsr-3444	461	1	m	m	PROPN
fsr-3444	461	2	ar	ar	VERB
fsr-3444	461	3	it	it	PRON
fsr-3444	461	4	al	al	PROPN
fsr-3444	461	5	st	st	PROPN
fsr-3444	462	1	at	at	ADP
fsr-3444	462	2	u	u	PROPN
fsr-3444	462	3	s	s	PART
fsr-3444	462	4	(	(	PUNCT
fsr-3444	462	5	m	m	PROPN
fsr-3444	462	6	ar	ar	PROPN
fsr-3444	462	7	ri	ri	PROPN
fsr-3444	462	8	ed	ed	PROPN
fsr-3444	462	9	=	=	PROPN
fsr-3444	462	10	0	0	NUM
fsr-3444	462	11	,	,	PUNCT
fsr-3444	462	12	b	b	PROPN
fsr-3444	462	13	en	en	ADP
fsr-3444	462	14	ch	ch	PROPN
fsr-3444	462	15	m	m	PROPN
fsr-3444	462	16	ar	ar	PROPN
fsr-3444	462	17	k	k	PROPN
fsr-3444	462	18	)	)	PUNCT
fsr-3444	462	19	)	)	PUNCT
fsr-3444	462	20	0	0	NUM
fsr-3444	463	1	.0	.0	NUM
fsr-3444	463	2	1	1	NUM
fsr-3444	463	3	7	7	NUM
fsr-3444	463	4	*	*	PUNCT
fsr-3444	463	5	*	*	PUNCT
fsr-3444	463	6	m	m	VERB
fsr-3444	463	7	ar	ar	NOUN
fsr-3444	463	8	it	it	PRON
fsr-3444	463	9	al	al	PROPN
fsr-3444	463	10	st	st	PROPN
fsr-3444	464	1	at	at	ADP
fsr-3444	464	2	u	u	PROPN
fsr-3444	464	3	s	s	PART
fsr-3444	464	4	(	(	PUNCT
fsr-3444	464	5	1	1	NUM
fsr-3444	464	6	=	=	SYM
fsr-3444	464	7	p	p	PROPN
fsr-3444	464	8	ar	ar	PROPN
fsr-3444	464	9	tn	tn	PROPN
fsr-3444	464	10	er	er	PROPN
fsr-3444	464	11	s	s	PROPN
fsr-3444	464	12	,	,	PUNCT
fsr-3444	464	13	0	0	PUNCT
fsr-3444	464	14	=	=	SYM
fsr-3444	464	15	al	al	PROPN
fsr-3444	464	16	l	l	NOUN
fsr-3444	464	17	o	o	X
fsr-3444	464	18	th	th	X
fsr-3444	464	19	er	er	INTJ
fsr-3444	464	20	ca	can	AUX
fsr-3444	464	21	te	te	PROPN
fsr-3444	464	22	g	g	PROPN
fsr-3444	464	23	o	o	X
fsr-3444	464	24	ri	ri	PROPN
fsr-3444	464	25	es	es	PROPN
fsr-3444	464	26	)	)	PUNCT
fsr-3444	464	27	0	0	NUM
fsr-3444	464	28	.0	.0	NUM
fsr-3444	465	1	6	6	NUM
fsr-3444	465	2	9	9	NUM
fsr-3444	465	3	0	0	NUM
fsr-3444	465	4	.3	.3	NUM
fsr-3444	465	5	1	1	NUM
fsr-3444	465	6	2	2	NUM
fsr-3444	465	7	0	0	NUM
fsr-3444	465	8	.8	.8	NUM
fsr-3444	465	9	2	2	NUM
fsr-3444	465	10	6	6	NUM
fsr-3444	465	11	1	1	NUM
fsr-3444	465	12	.0	.0	NUM
fsr-3444	465	13	7	7	NUM
fsr-3444	465	14	1	1	NUM
fsr-3444	465	15	m	m	NOUN
fsr-3444	465	16	ar	ar	NOUN
fsr-3444	465	17	it	it	PRON
fsr-3444	465	18	al	al	PROPN
fsr-3444	465	19	st	st	PROPN
fsr-3444	466	1	at	at	ADP
fsr-3444	466	2	u	u	PROPN
fsr-3444	466	3	s	s	PART
fsr-3444	466	4	(	(	PUNCT
fsr-3444	466	5	1	1	NUM
fsr-3444	466	6	=	=	SYM
fsr-3444	466	7	si	si	X
fsr-3444	466	8	n	n	CCONJ
fsr-3444	466	9	g	g	PROPN
fsr-3444	466	10	le	le	X
fsr-3444	466	11	,	,	PUNCT
fsr-3444	466	12	0	0	X
fsr-3444	467	1	=	=	SYM
fsr-3444	467	2	al	al	PROPN
fsr-3444	467	3	l	l	NOUN
fsr-3444	467	4	o	o	X
fsr-3444	467	5	th	th	X
fsr-3444	467	6	er	er	INTJ
fsr-3444	467	7	ca	can	AUX
fsr-3444	467	8	te	te	PROPN
fsr-3444	467	9	g	g	PROPN
fsr-3444	467	10	o	o	X
fsr-3444	467	11	ri	ri	PROPN
fsr-3444	467	12	es	es	PROPN
fsr-3444	467	13	)	)	PUNCT
fsr-3444	467	14	�	�	PROPN
fsr-3444	467	15	0	0	NUM
fsr-3444	467	16	.9	.9	NUM
fsr-3444	467	17	7	7	NUM
fsr-3444	467	18	6	6	NUM
fsr-3444	467	19	0	0	NUM
fsr-3444	467	20	.3	.3	NUM
fsr-3444	467	21	2	2	NUM
fsr-3444	467	22	3	3	NUM
fsr-3444	467	23	0	0	NUM
fsr-3444	467	24	.0	.0	NUM
fsr-3444	467	25	0	0	NUM
fsr-3444	467	26	2	2	NUM
fsr-3444	467	27	0	0	NUM
fsr-3444	467	28	.3	.3	NUM
fsr-3444	467	29	7	7	NUM
fsr-3444	467	30	7	7	NUM
fsr-3444	467	31	*	*	PUNCT
fsr-3444	467	32	*	*	PUNCT
fsr-3444	467	33	m	m	VERB
fsr-3444	467	34	ar	ar	NOUN
fsr-3444	467	35	it	it	PRON
fsr-3444	467	36	al	al	PROPN
fsr-3444	467	37	st	st	PROPN
fsr-3444	467	38	at	at	ADP
fsr-3444	467	39	u	u	PROPN
fsr-3444	467	40	s	s	PART
fsr-3444	467	41	(	(	PUNCT
fsr-3444	467	42	1	1	NUM
fsr-3444	467	43	=	=	SYM
fsr-3444	467	44	o	o	X
fsr-3444	467	45	th	th	X
fsr-3444	467	46	er	er	INTJ
fsr-3444	467	47	,	,	PUNCT
fsr-3444	467	48	0	0	NUM
fsr-3444	468	1	=	=	SYM
fsr-3444	468	2	al	al	PROPN
fsr-3444	468	3	l	l	NOUN
fsr-3444	468	4	o	o	X
fsr-3444	469	1	th	th	X
fsr-3444	469	2	er	er	INTJ
fsr-3444	469	3	ca	can	AUX
fsr-3444	469	4	te	te	PROPN
fsr-3444	469	5	g	g	PROPN
fsr-3444	469	6	o	o	X
fsr-3444	469	7	ri	ri	PROPN
fsr-3444	469	8	es	es	PROPN
fsr-3444	469	9	)	)	PUNCT
fsr-3444	469	10	�	�	PROPN
fsr-3444	469	11	0	0	NUM
fsr-3444	469	12	.1	.1	NUM
fsr-3444	469	13	5	5	NUM
fsr-3444	469	14	1	1	NUM
fsr-3444	469	15	0	0	NUM
fsr-3444	469	16	.5	.5	NUM
fsr-3444	469	17	3	3	NUM
fsr-3444	469	18	5	5	NUM
fsr-3444	469	19	0	0	NUM
fsr-3444	469	20	.7	.7	NUM
fsr-3444	469	21	7	7	NUM
fsr-3444	469	22	8	8	NUM
fsr-3444	469	23	0	0	NUM
fsr-3444	469	24	.8	.8	NUM
fsr-3444	469	25	6	6	NUM
fsr-3444	469	26	0	0	NUM
fsr-3444	469	27	9	9	NUM
fsr-3444	469	28	.	.	PUNCT
fsr-3444	470	1	r	r	NOUN
fsr-3444	470	2	el	el	PROPN
fsr-3444	470	3	ig	ig	PROPN
fsr-3444	470	4	io	io	PROPN
fsr-3444	470	5	n	n	PROPN
fsr-3444	470	6	(	(	PUNCT
fsr-3444	470	7	b	b	X
fsr-3444	470	8	ap	ap	PROPN
fsr-3444	470	9	ti	ti	PROPN
fsr-3444	470	10	st	st	PROPN
fsr-3444	470	11	=	=	PROPN
fsr-3444	470	12	0	0	PROPN
fsr-3444	470	13	,	,	PUNCT
fsr-3444	470	14	(	(	PUNCT
fsr-3444	470	15	b	b	X
fsr-3444	470	16	en	en	ADP
fsr-3444	470	17	ch	ch	PROPN
fsr-3444	470	18	m	m	PROPN
fsr-3444	470	19	ar	ar	PROPN
fsr-3444	470	20	k	k	PROPN
fsr-3444	470	21	)	)	PUNCT
fsr-3444	470	22	)	)	PUNCT
fsr-3444	470	23	0	0	NUM
fsr-3444	471	1	.0	.0	NUM
fsr-3444	471	2	0	0	NUM
fsr-3444	471	3	0	0	NUM
fsr-3444	472	1	*	*	PUNCT
fsr-3444	473	1	*	*	PUNCT
fsr-3444	473	2	*	*	PUNCT
fsr-3444	473	3	r	r	AUX
fsr-3444	473	4	el	el	PROPN
fsr-3444	473	5	ig	ig	PROPN
fsr-3444	473	6	io	io	PROPN
fsr-3444	473	7	n	n	PROPN
fsr-3444	473	8	(	(	PUNCT
fsr-3444	473	9	n	n	CCONJ
fsr-3444	473	10	o	o	PROPN
fsr-3444	473	11	n	n	CCONJ
fsr-3444	473	12	-d	-d	NUM
fsr-3444	473	13	en	en	X
fsr-3444	473	14	o	o	X
fsr-3444	473	15	m	m	VERB
fsr-3444	473	16	in	in	ADP
fsr-3444	473	17	at	at	ADP
fsr-3444	473	18	io	io	PROPN
fsr-3444	473	19	n	n	PROPN
fsr-3444	473	20	al	al	PROPN
fsr-3444	473	21	fa	fa	INTJ
fsr-3444	474	1	it	it	PRON
fsr-3444	474	2	h	h	NOUN
fsr-3444	474	3	s	s	PART
fsr-3444	474	4	=	=	NOUN
fsr-3444	474	5	1	1	NUM
fsr-3444	474	6	,	,	PUNCT
fsr-3444	474	7	al	al	PROPN
fsr-3444	475	1	l	l	NOUN
fsr-3444	475	2	o	o	X
fsr-3444	475	3	th	th	X
fsr-3444	475	4	er	er	INTJ
fsr-3444	475	5	ca	can	AUX
fsr-3444	475	6	te	te	PROPN
fsr-3444	475	7	g	g	PROPN
fsr-3444	475	8	o	o	X
fsr-3444	475	9	ri	ri	NOUN
fsr-3444	475	10	es	es	X
fsr-3444	475	11	=	=	SYM
fsr-3444	475	12	0	0	NUM
fsr-3444	475	13	)	)	PUNCT
fsr-3444	475	14	�	�	PROPN
fsr-3444	475	15	1	1	NUM
fsr-3444	475	16	.3	.3	NUM
fsr-3444	475	17	8	8	NUM
fsr-3444	475	18	9	9	NUM
fsr-3444	475	19	0	0	NUM
fsr-3444	475	20	.2	.2	NUM
fsr-3444	475	21	6	6	NUM
fsr-3444	475	22	6	6	NUM
fsr-3444	475	23	0	0	NUM
fsr-3444	475	24	.0	.0	NUM
fsr-3444	475	25	0	0	NUM
fsr-3444	475	26	0	0	NUM
fsr-3444	475	27	0	0	NUM
fsr-3444	476	1	.2	.2	NUM
fsr-3444	476	2	4	4	NUM
fsr-3444	476	3	9	9	NUM
fsr-3444	476	4	*	*	PUNCT
fsr-3444	476	5	*	*	PUNCT
fsr-3444	476	6	*	*	PUNCT
fsr-3444	476	7	r	r	AUX
fsr-3444	476	8	el	el	PROPN
fsr-3444	476	9	ig	ig	PROPN
fsr-3444	476	10	io	io	PROPN
fsr-3444	476	11	n	n	PROPN
fsr-3444	476	12	(	(	PUNCT
fsr-3444	476	13	p	p	X
fsr-3444	476	14	ro	ro	X
fsr-3444	476	15	te	te	INTJ
fsr-3444	476	16	st	st	PROPN
fsr-3444	476	17	an	an	DET
fsr-3444	476	18	ts	ts	X
fsr-3444	476	19	=	=	SYM
fsr-3444	476	20	1	1	NUM
fsr-3444	476	21	,	,	PUNCT
fsr-3444	476	22	al	al	PROPN
fsr-3444	476	23	l	l	NOUN
fsr-3444	476	24	o	o	X
fsr-3444	476	25	th	th	X
fsr-3444	476	26	er	er	INTJ
fsr-3444	476	27	ca	can	AUX
fsr-3444	476	28	te	te	PROPN
fsr-3444	476	29	g	g	PROPN
fsr-3444	476	30	o	o	X
fsr-3444	476	31	ri	ri	NOUN
fsr-3444	476	32	es	es	X
fsr-3444	476	33	=	=	SYM
fsr-3444	476	34	0	0	NUM
fsr-3444	476	35	)	)	PUNCT
fsr-3444	476	36	�	�	PROPN
fsr-3444	476	37	1	1	NUM
fsr-3444	476	38	.8	.8	NUM
fsr-3444	476	39	2	2	NUM
fsr-3444	476	40	6	6	NUM
fsr-3444	476	41	0	0	NUM
fsr-3444	476	42	.3	.3	NUM
fsr-3444	476	43	7	7	NUM
fsr-3444	476	44	8	8	NUM
fsr-3444	476	45	0	0	NUM
fsr-3444	476	46	.0	.0	NUM
fsr-3444	476	47	0	0	NUM
fsr-3444	476	48	0	0	NUM
fsr-3444	476	49	0	0	NUM
fsr-3444	477	1	.1	.1	NUM
fsr-3444	477	2	6	6	NUM
fsr-3444	477	3	1	1	NUM
fsr-3444	477	4	*	*	PUNCT
fsr-3444	478	1	*	*	PUNCT
fsr-3444	478	2	*	*	PUNCT
fsr-3444	478	3	r	r	X
fsr-3444	478	4	el	el	PROPN
fsr-3444	478	5	ig	ig	PROPN
fsr-3444	478	6	io	io	PROPN
fsr-3444	478	7	n	n	PROPN
fsr-3444	478	8	(	(	PUNCT
fsr-3444	478	9	c	c	PROPN
fsr-3444	478	10	at	at	ADP
fsr-3444	478	11	h	h	NOUN
fsr-3444	478	12	o	o	PROPN
fsr-3444	478	13	li	li	PROPN
fsr-3444	479	1	c	c	NOUN
fsr-3444	479	2	=	=	SYM
fsr-3444	479	3	1	1	NUM
fsr-3444	479	4	,	,	PUNCT
fsr-3444	480	1	al	al	PROPN
fsr-3444	480	2	l	l	NOUN
fsr-3444	480	3	o	o	X
fsr-3444	480	4	th	th	X
fsr-3444	480	5	er	er	INTJ
fsr-3444	480	6	ca	can	AUX
fsr-3444	480	7	te	te	PROPN
fsr-3444	480	8	g	g	PROPN
fsr-3444	480	9	o	o	X
fsr-3444	480	10	ri	ri	NOUN
fsr-3444	480	11	es	es	X
fsr-3444	480	12	=	=	SYM
fsr-3444	480	13	0	0	NUM
fsr-3444	480	14	)	)	PUNCT
fsr-3444	480	15	�	�	PROPN
fsr-3444	480	16	0	0	NUM
fsr-3444	480	17	.7	.7	NUM
fsr-3444	480	18	5	5	NUM
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fsr-3444	480	20	0	0	NUM
fsr-3444	480	21	.5	.5	NUM
fsr-3444	480	22	8	8	NUM
fsr-3444	480	23	1	1	NUM
fsr-3444	480	24	0	0	NUM
fsr-3444	480	25	.1	.1	NUM
fsr-3444	480	26	9	9	NUM
fsr-3444	480	27	5	5	NUM
fsr-3444	480	28	0	0	NUM
fsr-3444	480	29	.4	.4	NUM
fsr-3444	480	30	7	7	NUM
fsr-3444	480	31	1	1	NUM
fsr-3444	480	32	r	r	NOUN
fsr-3444	480	33	el	el	NOUN
fsr-3444	480	34	ig	ig	PROPN
fsr-3444	480	35	io	io	PROPN
fsr-3444	480	36	n	n	PROPN
fsr-3444	480	37	(	(	PUNCT
fsr-3444	480	38	o	o	X
fsr-3444	480	39	th	th	X
fsr-3444	480	40	er	er	INTJ
fsr-3444	480	41	=	=	SYM
fsr-3444	480	42	1	1	NUM
fsr-3444	480	43	,	,	PUNCT
fsr-3444	480	44	al	al	PROPN
fsr-3444	481	1	l	l	NOUN
fsr-3444	481	2	o	o	X
fsr-3444	481	3	th	th	X
fsr-3444	481	4	er	er	INTJ
fsr-3444	481	5	ca	can	AUX
fsr-3444	481	6	te	te	PROPN
fsr-3444	481	7	g	g	PROPN
fsr-3444	481	8	o	o	X
fsr-3444	481	9	ri	ri	NOUN
fsr-3444	481	10	es	es	X
fsr-3444	481	11	=	=	SYM
fsr-3444	481	12	0	0	NUM
fsr-3444	481	13	)	)	PUNCT
fsr-3444	481	14	�	�	PROPN
fsr-3444	481	15	1	1	NUM
fsr-3444	481	16	.3	.3	NUM
fsr-3444	481	17	0	0	NUM
fsr-3444	481	18	3	3	NUM
fsr-3444	481	19	0	0	NUM
fsr-3444	482	1	.4	.4	NUM
fsr-3444	482	2	6	6	NUM
fsr-3444	482	3	6	6	NUM
fsr-3444	482	4	0	0	NUM
fsr-3444	482	5	.0	.0	NUM
fsr-3444	482	6	0	0	NUM
fsr-3444	482	7	5	5	NUM
fsr-3444	482	8	0	0	NUM
fsr-3444	482	9	.2	.2	NUM
fsr-3444	482	10	7	7	NUM
fsr-3444	482	11	2	2	NUM
fsr-3444	482	12	*	*	PUNCT
fsr-3444	482	13	*	*	SYM
fsr-3444	482	14	78	78	NUM
fsr-3444	482	15	s.	s.	PROPN
fsr-3444	482	16	e.	e.	PROPN
fsr-3444	482	17	kehiaian	kehiaian	PROPN
fsr-3444	482	18	et	et	PROPN
fsr-3444	482	19	al	al	PROPN
fsr-3444	482	20	.	.	PUNCT
fsr-3444	482	21	/	/	SYM
fsr-3444	482	22	financial	financial	ADJ
fsr-3444	482	23	services	service	NOUN
fsr-3444	482	24	review	review	VERB
fsr-3444	482	25	29	29	NUM
fsr-3444	482	26	(	(	PUNCT
fsr-3444	482	27	2021	2021	NUM
fsr-3444	482	28	)	)	PUNCT
fsr-3444	482	29	67–84	67–84	PROPN
fsr-3444	482	30	t	t	PROPN
fsr-3444	482	31	ab	ab	X
fsr-3444	482	32	le	le	X
fsr-3444	482	33	3	3	X
fsr-3444	482	34	(	(	PUNCT
fsr-3444	482	35	c	c	NOUN
fsr-3444	482	36	o	o	NOUN
fsr-3444	482	37	n	n	CCONJ
fsr-3444	482	38	ti	ti	NOUN
fsr-3444	482	39	n	n	CCONJ
fsr-3444	482	40	u	u	NOUN
fsr-3444	482	41	ed	ed	NOUN
fsr-3444	482	42	)	)	PUNCT
fsr-3444	483	1	p	p	NOUN
fsr-3444	483	2	sy	sy	INTJ
fsr-3444	483	3	ch	ch	NOUN
fsr-3444	483	4	o	o	PROPN
fsr-3444	484	1	lo	lo	NOUN
fsr-3444	484	2	g	g	PROPN
fsr-3444	484	3	ic	ic	PROPN
fsr-3444	484	4	al	al	PROPN
fsr-3444	484	5	an	an	PROPN
fsr-3444	484	6	d	d	PROPN
fsr-3444	484	7	fi	fi	NOUN
fsr-3444	484	8	n	n	CCONJ
fsr-3444	484	9	an	an	DET
fsr-3444	484	10	ci	ci	PROPN
fsr-3444	484	11	al	al	PROPN
fsr-3444	484	12	ch	ch	PROPN
fsr-3444	484	13	ar	ar	PROPN
fsr-3444	484	14	ac	ac	PROPN
fsr-3444	484	15	te	te	PROPN
fsr-3444	484	16	ri	ri	PROPN
fsr-3444	484	17	st	st	PROPN
fsr-3444	484	18	ic	ic	PROPN
fsr-3444	484	19	s	s	PROPN
fsr-3444	484	20	:	:	PUNCT
fsr-3444	484	21	b	b	NOUN
fsr-3444	484	22	s	s	ADP
fsr-3444	484	23	e	e	NOUN
fsr-3444	484	24	s	s	VERB
fsr-3444	484	25	ig	ig	PROPN
fsr-3444	484	26	.	.	PUNCT
fsr-3444	485	1	e	e	X
fsr-3444	485	2	x	x	X
fsr-3444	485	3	p	p	X
fsr-3444	485	4	(	(	PUNCT
fsr-3444	485	5	b	b	NOUN
fsr-3444	485	6	)	)	PUNCT
fsr-3444	485	7	p	p	NOUN
fsr-3444	486	1	sy	sy	INTJ
fsr-3444	486	2	ch	ch	NOUN
fsr-3444	486	3	o	o	PROPN
fsr-3444	487	1	lo	lo	NOUN
fsr-3444	487	2	g	g	PROPN
fsr-3444	487	3	ic	ic	PROPN
fsr-3444	487	4	al	al	PROPN
fsr-3444	487	5	v	v	PROPN
fsr-3444	487	6	ar	ar	PROPN
fsr-3444	487	7	ia	ia	PROPN
fsr-3444	487	8	b	b	PROPN
fsr-3444	487	9	le	le	PROPN
fsr-3444	487	10	s	s	PROPN
fsr-3444	487	11	:	:	PUNCT
fsr-3444	487	12	1	1	NUM
fsr-3444	487	13	.	.	PUNCT
fsr-3444	487	14	s	s	PART
fsr-3444	487	15	el	el	PROPN
fsr-3444	487	16	fef	fef	PROPN
fsr-3444	487	17	fi	fi	PROPN
fsr-3444	487	18	ca	can	AUX
fsr-3444	487	19	cy	cy	VERB
fsr-3444	487	20	a.	a.	NOUN
fsr-3444	487	21	f	f	PROPN
fsr-3444	487	22	in	in	ADP
fsr-3444	487	23	an	an	DET
fsr-3444	487	24	ci	ci	PROPN
fsr-3444	487	25	al	al	PROPN
fsr-3444	487	26	co	co	PROPN
fsr-3444	487	27	n	n	PROPN
fsr-3444	487	28	fi	fi	PROPN
fsr-3444	488	1	d	d	X
fsr-3444	488	2	en	en	PROPN
fsr-3444	488	3	ce	ce	PROPN
fsr-3444	488	4	le	le	PROPN
fsr-3444	488	5	v	v	PROPN
fsr-3444	488	6	el	el	PROPN
fsr-3444	488	7	�	�	PROPN
fsr-3444	488	8	0	0	PROPN
fsr-3444	489	1	.2	.2	NUM
fsr-3444	489	2	3	3	NUM
fsr-3444	489	3	9	9	NUM
fsr-3444	489	4	0	0	NUM
fsr-3444	489	5	.1	.1	NUM
fsr-3444	489	6	1	1	NUM
fsr-3444	489	7	3	3	NUM
fsr-3444	489	8	0	0	NUM
fsr-3444	489	9	.0	.0	NUM
fsr-3444	489	10	3	3	NUM
fsr-3444	489	11	3	3	NUM
fsr-3444	489	12	0	0	NUM
fsr-3444	489	13	.7	.7	NUM
fsr-3444	489	14	8	8	NUM
fsr-3444	489	15	7	7	NUM
fsr-3444	489	16	*	*	PUNCT
fsr-3444	489	17	*	*	PUNCT
fsr-3444	489	18	2	2	NUM
fsr-3444	489	19	.	.	PUNCT
fsr-3444	490	1	l	l	NOUN
fsr-3444	490	2	o	o	X
fsr-3444	490	3	cu	cu	PROPN
fsr-3444	490	4	s	s	PART
fsr-3444	490	5	o	o	X
fsr-3444	490	6	f	f	X
fsr-3444	490	7	co	co	NOUN
fsr-3444	490	8	n	n	PRON
fsr-3444	490	9	tr	tr	NOUN
fsr-3444	490	10	o	o	PROPN
fsr-3444	490	11	l	l	NOUN
fsr-3444	490	12	:	:	PUNCT
fsr-3444	490	13	a.	a.	NOUN
fsr-3444	491	1	i	i	PRON
fsr-3444	491	2	h	h	VERB
fsr-3444	492	1	av	av	NOUN
fsr-3444	492	2	e	e	NOUN
fsr-3444	492	3	h	h	NOUN
fsr-3444	492	4	ad	ad	NOUN
fsr-3444	492	5	v	v	ADP
fsr-3444	492	6	er	er	INTJ
fsr-3444	492	7	y	y	PROPN
fsr-3444	492	8	li	li	PROPN
fsr-3444	492	9	tt	tt	PROPN
fsr-3444	492	10	le	le	X
fsr-3444	492	11	co	co	PROPN
fsr-3444	492	12	n	n	PROPN
fsr-3444	492	13	tr	tr	NOUN
fsr-3444	493	1	o	o	PROPN
fsr-3444	493	2	l	l	NOUN
fsr-3444	493	3	o	o	X
fsr-3444	493	4	v	v	INTJ
fsr-3444	493	5	er	er	INTJ
fsr-3444	493	6	li	li	PROPN
fsr-3444	493	7	fe	fe	PROPN
fsr-3444	493	8	0	0	NUM
fsr-3444	493	9	.0	.0	NUM
fsr-3444	493	10	3	3	NUM
fsr-3444	493	11	0	0	NUM
fsr-3444	493	12	0	0	NUM
fsr-3444	494	1	.0	.0	NUM
fsr-3444	494	2	9	9	NUM
fsr-3444	494	3	5	5	NUM
fsr-3444	494	4	0	0	NUM
fsr-3444	494	5	.7	.7	NUM
fsr-3444	494	6	5	5	NUM
fsr-3444	494	7	2	2	NUM
fsr-3444	494	8	1	1	NUM
fsr-3444	494	9	.0	.0	NUM
fsr-3444	494	10	3	3	NUM
fsr-3444	494	11	1	1	NUM
fsr-3444	494	12	b	b	NOUN
fsr-3444	494	13	.	.	PUNCT
fsr-3444	495	1	i	i	PRON
fsr-3444	495	2	h	h	VERB
fsr-3444	495	3	av	av	NOUN
fsr-3444	495	4	e	e	PROPN
fsr-3444	495	5	h	h	NOUN
fsr-3444	495	6	ad	ad	NOUN
fsr-3444	495	7	m	m	VERB
fsr-3444	495	8	an	an	DET
fsr-3444	495	9	y	y	NOUN
fsr-3444	495	10	n	n	ADV
fsr-3444	495	11	eg	eg	NOUN
fsr-3444	495	12	at	at	ADP
fsr-3444	495	13	iv	iv	NUM
fsr-3444	495	14	e	e	X
fsr-3444	495	15	ex	ex	X
fsr-3444	495	16	p	p	X
fsr-3444	495	17	er	er	INTJ
fsr-3444	495	18	ie	ie	X
fsr-3444	495	19	n	n	PROPN
fsr-3444	495	20	ce	ce	PROPN
fsr-3444	495	21	s	s	PROPN
fsr-3444	495	22	w	w	NOUN
fsr-3444	495	23	it	it	PRON
fsr-3444	496	1	h	h	NOUN
fsr-3444	497	1	m	m	VERB
fsr-3444	498	1	y	y	NOUN
fsr-3444	498	2	h	h	NOUN
fsr-3444	498	3	o	o	X
fsr-3444	498	4	u	u	X
fsr-3444	499	1	se	se	PROPN
fsr-3444	499	2	h	h	PROPN
fsr-3444	499	3	o	o	X
fsr-3444	499	4	ld	ld	PROPN
fsr-3444	499	5	fi	fi	NOUN
fsr-3444	499	6	n	n	CCONJ
fsr-3444	499	7	an	an	PRON
fsr-3444	499	8	ce	ce	PROPN
fsr-3444	499	9	s	s	NOUN
fsr-3444	499	10	0	0	NUM
fsr-3444	499	11	.3	.3	NUM
fsr-3444	499	12	3	3	NUM
fsr-3444	499	13	3	3	NUM
fsr-3444	499	14	0	0	NUM
fsr-3444	499	15	.0	.0	NUM
fsr-3444	499	16	9	9	NUM
fsr-3444	499	17	9	9	NUM
fsr-3444	499	18	0	0	NUM
fsr-3444	500	1	.0	.0	NUM
fsr-3444	500	2	0	0	NUM
fsr-3444	500	3	1	1	NUM
fsr-3444	500	4	1	1	NUM
fsr-3444	500	5	.3	.3	NUM
fsr-3444	500	6	9	9	NUM
fsr-3444	500	7	5	5	NUM
fsr-3444	500	8	*	*	PUNCT
fsr-3444	500	9	*	*	PUNCT
fsr-3444	501	1	c.	c.	NOUN
fsr-3444	502	1	i	i	PROPN
fsr-3444	502	2	b	b	PROPN
fsr-3444	502	3	el	el	PROPN
fsr-3444	502	4	ie	ie	PROPN
fsr-3444	502	5	v	v	X
fsr-3444	502	6	e	e	X
fsr-3444	502	7	th	th	X
fsr-3444	502	8	e	e	X
fsr-3444	502	9	w	w	NOUN
fsr-3444	502	10	ay	ay	INTJ
fsr-3444	503	1	i	i	PRON
fsr-3444	503	2	m	m	VERB
fsr-3444	503	3	an	an	DET
fsr-3444	503	4	ag	ag	PROPN
fsr-3444	503	5	e	e	PROPN
fsr-3444	503	6	m	m	VERB
fsr-3444	503	7	y	y	PROPN
fsr-3444	503	8	m	m	NOUN
fsr-3444	503	9	o	o	NOUN
fsr-3444	503	10	n	n	INTJ
fsr-3444	504	1	ey	ey	INTJ
fsr-3444	504	2	w	w	PROPN
fsr-3444	504	3	il	il	PROPN
fsr-3444	504	4	l	l	X
fsr-3444	504	5	af	af	X
fsr-3444	504	6	fe	fe	PROPN
fsr-3444	504	7	ct	ct	NUM
fsr-3444	504	8	m	m	PROPN
fsr-3444	504	9	y	y	PROPN
fsr-3444	504	10	fu	fu	PROPN
fsr-3444	504	11	tu	tu	PROPN
fsr-3444	504	12	re	re	X
fsr-3444	504	13	�	�	PROPN
fsr-3444	504	14	0	0	NUM
fsr-3444	504	15	.0	.0	NUM
fsr-3444	504	16	2	2	NUM
fsr-3444	504	17	7	7	NUM
fsr-3444	504	18	0	0	NUM
fsr-3444	504	19	.1	.1	NUM
fsr-3444	504	20	0	0	NUM
fsr-3444	504	21	0	0	NUM
fsr-3444	504	22	0	0	NUM
fsr-3444	504	23	.7	.7	NUM
fsr-3444	504	24	8	8	NUM
fsr-3444	504	25	4	4	NUM
fsr-3444	504	26	0	0	NUM
fsr-3444	504	27	.9	.9	NUM
fsr-3444	504	28	7	7	NUM
fsr-3444	504	29	3	3	NUM
fsr-3444	504	30	3	3	NUM
fsr-3444	504	31	.	.	PUNCT
fsr-3444	505	1	m	m	VERB
fsr-3444	505	2	o	o	INTJ
fsr-3444	505	3	ti	ti	X
fsr-3444	505	4	v	v	NOUN
fsr-3444	505	5	at	at	ADP
fsr-3444	505	6	io	io	PROPN
fsr-3444	505	7	n	n	PROPN
fsr-3444	505	8	:	:	PUNCT
fsr-3444	505	9	a.	a.	NOUN
fsr-3444	506	1	i	i	PRON
fsr-3444	506	2	p	p	VERB
fsr-3444	506	3	la	la	X
fsr-3444	506	4	n	n	X
fsr-3444	506	5	to	to	ADP
fsr-3444	506	6	ta	ta	PROPN
fsr-3444	507	1	k	k	PROPN
fsr-3444	507	2	e	e	PROPN
fsr-3444	507	3	m	m	VERB
fsr-3444	507	4	o	o	X
fsr-3444	507	5	re	re	NOUN
fsr-3444	507	6	fi	fi	NOUN
fsr-3444	507	7	n	n	CCONJ
fsr-3444	507	8	an	an	DET
fsr-3444	507	9	ci	ci	NOUN
fsr-3444	507	10	al	al	PROPN
fsr-3444	507	11	ed	ed	PROPN
fsr-3444	507	12	u	u	PROPN
fsr-3444	507	13	ca	can	AUX
fsr-3444	507	14	ti	ti	NOUN
fsr-3444	507	15	o	o	NOUN
fsr-3444	507	16	n	n	X
fsr-3444	507	17	co	co	VERB
fsr-3444	507	18	u	u	NOUN
fsr-3444	507	19	rs	rs	NOUN
fsr-3444	507	20	es	es	ADP
fsr-3444	507	21	0	0	NUM
fsr-3444	507	22	.1	.1	NUM
fsr-3444	507	23	2	2	NUM
fsr-3444	507	24	4	4	NUM
fsr-3444	507	25	0	0	NUM
fsr-3444	507	26	.0	.0	NUM
fsr-3444	507	27	9	9	NUM
fsr-3444	507	28	2	2	NUM
fsr-3444	507	29	0	0	NUM
fsr-3444	507	30	.1	.1	NUM
fsr-3444	507	31	7	7	NUM
fsr-3444	507	32	9	9	NUM
fsr-3444	507	33	1	1	NUM
fsr-3444	507	34	.1	.1	NUM
fsr-3444	507	35	3	3	NUM
fsr-3444	507	36	2	2	NUM
fsr-3444	507	37	4	4	NUM
fsr-3444	507	38	.	.	PUNCT
fsr-3444	508	1	i	i	PRON
fsr-3444	508	2	m	m	VERB
fsr-3444	508	3	m	m	VERB
fsr-3444	508	4	ed	ed	NOUN
fsr-3444	508	5	ia	ia	PROPN
fsr-3444	508	6	te	te	PROPN
fsr-3444	508	7	g	g	PROPN
fsr-3444	508	8	ra	ra	PROPN
fsr-3444	508	9	ti	ti	NOUN
fsr-3444	508	10	fi	fi	NOUN
fsr-3444	508	11	ca	can	AUX
fsr-3444	508	12	ti	ti	NOUN
fsr-3444	508	13	o	o	NOUN
fsr-3444	508	14	n	n	PROPN
fsr-3444	508	15	:	:	PUNCT
fsr-3444	508	16	a.	a.	NOUN
fsr-3444	509	1	i	i	VERB
fsr-3444	509	2	m	m	VERB
fsr-3444	509	3	p	p	ADJ
fsr-3444	509	4	o	o	X
fsr-3444	509	5	rt	rt	PROPN
fsr-3444	509	6	an	an	DET
fsr-3444	509	7	ce	ce	NOUN
fsr-3444	509	8	o	o	X
fsr-3444	509	9	f	f	X
fsr-3444	510	1	i	i	PRON
fsr-3444	510	2	m	m	VERB
fsr-3444	510	3	m	m	VERB
fsr-3444	510	4	ed	ed	NOUN
fsr-3444	510	5	ia	ia	PROPN
fsr-3444	510	6	te	te	PROPN
fsr-3444	510	7	g	g	PROPN
fsr-3444	510	8	ra	ra	PROPN
fsr-3444	510	9	ti	ti	NOUN
fsr-3444	510	10	fi	fi	NOUN
fsr-3444	510	11	ca	can	AUX
fsr-3444	510	12	ti	ti	VERB
fsr-3444	510	13	o	o	NOUN
fsr-3444	510	14	n	n	CCONJ
fsr-3444	510	15	0	0	NUM
fsr-3444	510	16	.3	.3	NUM
fsr-3444	510	17	8	8	NUM
fsr-3444	510	18	4	4	NUM
fsr-3444	510	19	0	0	NUM
fsr-3444	510	20	.1	.1	NUM
fsr-3444	510	21	5	5	NUM
fsr-3444	510	22	3	3	NUM
fsr-3444	510	23	0	0	NUM
fsr-3444	510	24	.0	.0	NUM
fsr-3444	510	25	1	1	NUM
fsr-3444	510	26	2	2	NUM
fsr-3444	510	27	1	1	NUM
fsr-3444	510	28	.4	.4	NUM
fsr-3444	510	29	6	6	NUM
fsr-3444	510	30	8	8	NUM
fsr-3444	510	31	*	*	PUNCT
fsr-3444	510	32	*	*	PUNCT
fsr-3444	511	1	c	c	X
fsr-3444	511	2	o	o	X
fsr-3444	511	3	n	n	PRON
fsr-3444	511	4	tr	tr	NOUN
fsr-3444	511	5	o	o	PROPN
fsr-3444	511	6	l	l	PROPN
fsr-3444	511	7	v	v	PROPN
fsr-3444	511	8	ar	ar	PROPN
fsr-3444	511	9	ia	ia	PROPN
fsr-3444	511	10	b	b	PROPN
fsr-3444	511	11	le	le	X
fsr-3444	511	12	s	s	X
fsr-3444	511	13	(	(	PUNCT
fsr-3444	511	14	fi	fi	NOUN
fsr-3444	511	15	n	n	CCONJ
fsr-3444	511	16	an	an	DET
fsr-3444	511	17	ci	ci	PROPN
fsr-3444	511	18	al	al	PROPN
fsr-3444	511	19	v	v	PROPN
fsr-3444	511	20	ar	ar	PROPN
fsr-3444	511	21	ia	ia	PROPN
fsr-3444	511	22	b	b	PROPN
fsr-3444	511	23	le	le	X
fsr-3444	511	24	s	s	PROPN
fsr-3444	511	25	)	)	PUNCT
fsr-3444	511	26	:	:	PUNCT
fsr-3444	511	27	a.	a.	NOUN
fsr-3444	511	28	f	f	PROPN
fsr-3444	511	29	in	in	ADP
fsr-3444	511	30	an	an	DET
fsr-3444	511	31	ce	ce	PROPN
fsr-3444	511	32	tr	tr	VERB
fsr-3444	511	33	ai	ai	VERB
fsr-3444	511	34	n	n	ADV
fsr-3444	511	35	in	in	ADP
fsr-3444	511	36	g	g	PROPN
fsr-3444	511	37	(	(	PUNCT
fsr-3444	511	38	n	n	NOUN
fsr-3444	511	39	o	o	NOUN
fsr-3444	511	40	=	=	SYM
fsr-3444	511	41	0	0	NUM
fsr-3444	511	42	,	,	PUNCT
fsr-3444	511	43	y	y	PROPN
fsr-3444	511	44	es	es	NOUN
fsr-3444	511	45	=	=	SYM
fsr-3444	511	46	1	1	X
fsr-3444	511	47	)	)	PUNCT
fsr-3444	511	48	�	�	PROPN
fsr-3444	511	49	0	0	NUM
fsr-3444	511	50	.6	.6	NUM
fsr-3444	511	51	6	6	NUM
fsr-3444	511	52	8	8	NUM
fsr-3444	511	53	0	0	NUM
fsr-3444	511	54	.2	.2	NUM
fsr-3444	511	55	6	6	NUM
fsr-3444	511	56	7	7	NUM
fsr-3444	511	57	0	0	NUM
fsr-3444	511	58	.0	.0	NUM
fsr-3444	511	59	1	1	NUM
fsr-3444	511	60	3	3	NUM
fsr-3444	511	61	0	0	NUM
fsr-3444	511	62	.5	.5	NUM
fsr-3444	511	63	1	1	NUM
fsr-3444	511	64	3	3	NUM
fsr-3444	511	65	*	*	PUNCT
fsr-3444	512	1	*	*	PUNCT
fsr-3444	512	2	b	b	X
fsr-3444	512	3	.	.	PUNCT
fsr-3444	513	1	i	i	PRON
fsr-3444	513	2	m	m	VERB
fsr-3444	513	3	p	p	X
fsr-3444	513	4	o	o	X
fsr-3444	513	5	rt	rt	PROPN
fsr-3444	514	1	an	an	DET
fsr-3444	514	2	ce	ce	PROPN
fsr-3444	514	3	o	o	X
fsr-3444	514	4	f	f	PROPN
fsr-3444	514	5	fi	fi	PROPN
fsr-3444	514	6	n	n	CCONJ
fsr-3444	514	7	an	an	DET
fsr-3444	514	8	ci	ci	NOUN
fsr-3444	514	9	al	al	PROPN
fsr-3444	514	10	p	p	PROPN
fsr-3444	514	11	la	la	PROPN
fsr-3444	514	12	n	n	CCONJ
fsr-3444	514	13	n	n	NOUN
fsr-3444	514	14	in	in	ADP
fsr-3444	514	15	g	g	PROPN
fsr-3444	514	16	0	0	NUM
fsr-3444	514	17	.0	.0	NUM
fsr-3444	514	18	3	3	NUM
fsr-3444	514	19	3	3	NUM
fsr-3444	514	20	0	0	NUM
fsr-3444	514	21	.1	.1	NUM
fsr-3444	514	22	6	6	NUM
fsr-3444	514	23	6	6	NUM
fsr-3444	514	24	0	0	NUM
fsr-3444	514	25	.8	.8	NUM
fsr-3444	514	26	4	4	NUM
fsr-3444	514	27	0	0	NUM
fsr-3444	514	28	1	1	NUM
fsr-3444	514	29	.0	.0	NUM
fsr-3444	514	30	3	3	NUM
fsr-3444	514	31	4	4	NUM
fsr-3444	514	32	c.	c.	PROPN
fsr-3444	514	33	f	f	PROPN
fsr-3444	514	34	in	in	ADP
fsr-3444	514	35	an	an	DET
fsr-3444	514	36	ci	ci	PROPN
fsr-3444	514	37	al	al	PROPN
fsr-3444	514	38	li	li	PROPN
fsr-3444	515	1	te	te	PROPN
fsr-3444	515	2	ra	ra	PROPN
fsr-3444	515	3	cy	cy	PROPN
fsr-3444	515	4	q	q	PROPN
fsr-3444	515	5	u	u	PROPN
fsr-3444	515	6	iz	iz	PROPN
fsr-3444	515	7	�	�	PROPN
fsr-3444	515	8	0	0	NUM
fsr-3444	515	9	.0	.0	NUM
fsr-3444	515	10	0	0	NUM
fsr-3444	515	11	2	2	NUM
fsr-3444	515	12	0	0	NUM
fsr-3444	515	13	.0	.0	NUM
fsr-3444	515	14	1	1	NUM
fsr-3444	515	15	8	8	NUM
fsr-3444	515	16	0	0	NUM
fsr-3444	515	17	.8	.8	NUM
fsr-3444	515	18	9	9	NUM
fsr-3444	515	19	6	6	NUM
fsr-3444	515	20	0	0	NUM
fsr-3444	515	21	.9	.9	NUM
fsr-3444	515	22	9	9	NUM
fsr-3444	515	23	8	8	NUM
fsr-3444	515	24	n	n	NUM
fsr-3444	515	25	o	o	NOUN
fsr-3444	515	26	te	te	X
fsr-3444	515	27	:	:	PUNCT
fsr-3444	515	28	t	t	PROPN
fsr-3444	515	29	h	h	NOUN
fsr-3444	515	30	is	be	AUX
fsr-3444	515	31	ta	ta	ADP
fsr-3444	515	32	b	b	X
fsr-3444	515	33	le	le	PROPN
fsr-3444	515	34	p	p	X
fsr-3444	515	35	ro	ro	X
fsr-3444	515	36	v	v	INTJ
fsr-3444	515	37	i	i	PROPN
fsr-3444	515	38	d	d	PROPN
fsr-3444	515	39	es	es	X
fsr-3444	515	40	th	th	X
fsr-3444	515	41	e	e	X
fsr-3444	515	42	re	re	X
fsr-3444	515	43	su	su	PROPN
fsr-3444	515	44	lt	lt	PRON
fsr-3444	515	45	s	s	PROPN
fsr-3444	515	46	fo	fo	INTJ
fsr-3444	515	47	r	r	NOUN
fsr-3444	515	48	th	th	X
fsr-3444	515	49	e	e	X
fsr-3444	516	1	d	d	NOUN
fsr-3444	516	2	if	if	SCONJ
fsr-3444	516	3	fe	fe	X
fsr-3444	516	4	re	re	X
fsr-3444	516	5	n	n	X
fsr-3444	516	6	ce	ce	PROPN
fsr-3444	516	7	s	s	PROPN
fsr-3444	516	8	b	b	PROPN
fsr-3444	516	9	et	et	PROPN
fsr-3444	516	10	w	w	PROPN
fsr-3444	516	11	ee	ee	PROPN
fsr-3444	516	12	n	n	PROPN
fsr-3444	516	13	c	c	NOUN
fsr-3444	516	14	h	h	NOUN
fsr-3444	517	1	ap	ap	PROPN
fsr-3444	518	1	te	te	INTJ
fsr-3444	518	2	r	r	NOUN
fsr-3444	518	3	1	1	NUM
fsr-3444	518	4	3	3	NUM
fsr-3444	518	5	fi	fi	NOUN
fsr-3444	518	6	le	le	X
fsr-3444	518	7	rs	rs	PROPN
fsr-3444	518	8	an	an	DET
fsr-3444	518	9	d	d	PROPN
fsr-3444	518	10	n	n	ADP
fsr-3444	518	11	o	o	NOUN
fsr-3444	518	12	n	n	CCONJ
fsr-3444	518	13	-fi	-fi	ADV
fsr-3444	518	14	le	le	X
fsr-3444	518	15	rs	rs	NOUN
fsr-3444	519	1	fo	fo	INTJ
fsr-3444	519	2	r	r	PROPN
fsr-3444	519	3	su	su	PROPN
fsr-3444	519	4	b	b	PROPN
fsr-3444	519	5	-c	-c	PUNCT
fsr-3444	519	6	at	at	ADP
fsr-3444	519	7	eg	eg	NOUN
fsr-3444	519	8	o	o	PROPN
fsr-3444	519	9	ri	ri	PROPN
fsr-3444	519	10	es	es	X
fsr-3444	519	11	o	o	PROPN
fsr-3444	520	1	f	f	X
fsr-3444	521	1	p	p	X
fsr-3444	521	2	sy	sy	INTJ
fsr-3444	521	3	ch	ch	NOUN
fsr-3444	521	4	o	o	NOUN
fsr-3444	522	1	lo	lo	NOUN
fsr-3444	522	2	g	g	PROPN
fsr-3444	522	3	ic	ic	PROPN
fsr-3444	522	4	al	al	PROPN
fsr-3444	522	5	ch	ch	PROPN
fsr-3444	522	6	ar	ar	PROPN
fsr-3444	522	7	ac	ac	PROPN
fsr-3444	522	8	te	te	PROPN
fsr-3444	522	9	ri	ri	PROPN
fsr-3444	522	10	st	st	PROPN
fsr-3444	522	11	ic	ic	PROPN
fsr-3444	522	12	s.	s.	PROPN
fsr-3444	522	13	e	e	PROPN
fsr-3444	522	14	ac	ac	PROPN
fsr-3444	522	15	h	h	PROPN
fsr-3444	522	16	su	su	PROPN
fsr-3444	522	17	b	b	PROPN
fsr-3444	523	1	-c	-c	PUNCT
fsr-3444	523	2	at	at	ADP
fsr-3444	523	3	eg	eg	NOUN
fsr-3444	523	4	o	o	INTJ
fsr-3444	524	1	ry	ry	INTJ
fsr-3444	524	2	fo	fo	INTJ
fsr-3444	524	3	r	r	NOUN
fsr-3444	524	4	th	th	X
fsr-3444	524	5	e	e	X
fsr-3444	524	6	p	p	NOUN
fsr-3444	524	7	sy	sy	INTJ
fsr-3444	524	8	ch	ch	NOUN
fsr-3444	524	9	o	o	NOUN
fsr-3444	525	1	lo	lo	NOUN
fsr-3444	525	2	g	g	PROPN
fsr-3444	525	3	ic	ic	PROPN
fsr-3444	525	4	al	al	PROPN
fsr-3444	525	5	v	v	PROPN
fsr-3444	525	6	ar	ar	PROPN
fsr-3444	525	7	ia	ia	PROPN
fsr-3444	525	8	b	b	PROPN
fsr-3444	525	9	le	le	PROPN
fsr-3444	525	10	s	s	PROPN
fsr-3444	525	11	h	h	NOUN
fsr-3444	525	12	as	as	ADP
fsr-3444	525	13	se	se	PROPN
fsr-3444	525	14	v	v	ADP
fsr-3444	525	15	er	er	INTJ
fsr-3444	525	16	al	al	PROPN
fsr-3444	525	17	v	v	PROPN
fsr-3444	525	18	ar	ar	PROPN
fsr-3444	525	19	ia	ia	PROPN
fsr-3444	525	20	b	b	PROPN
fsr-3444	525	21	le	le	PROPN
fsr-3444	525	22	s.	s.	PROPN
fsr-3444	526	1	a	a	DET
fsr-3444	526	2	ll	ll	NOUN
fsr-3444	526	3	d	d	NOUN
fsr-3444	526	4	at	at	ADP
fsr-3444	526	5	a	a	DET
fsr-3444	526	6	ar	ar	NOUN
fsr-3444	526	7	e	e	PROPN
fsr-3444	526	8	m	m	PROPN
fsr-3444	526	9	ea	ea	X
fsr-3444	526	10	su	su	PROPN
fsr-3444	526	11	re	re	PROPN
fsr-3444	526	12	s	s	PROPN
fsr-3444	526	13	u	u	NOUN
fsr-3444	526	14	si	si	X
fsr-3444	526	15	n	n	ADV
fsr-3444	526	16	g	g	PROPN
fsr-3444	526	17	a	a	DET
fsr-3444	526	18	l	l	NOUN
fsr-3444	526	19	ik	ik	PROPN
fsr-3444	526	20	er	er	INTJ
fsr-3444	526	21	t	t	PROPN
fsr-3444	526	22	sc	sc	PROPN
fsr-3444	526	23	al	al	PROPN
fsr-3444	526	24	e.	e.	PROPN
fsr-3444	526	25	b	b	PROPN
fsr-3444	526	26	in	in	ADP
fsr-3444	526	27	ar	ar	PROPN
fsr-3444	526	28	y	y	PROPN
fsr-3444	526	29	lo	lo	PROPN
fsr-3444	526	30	g	g	PROPN
fsr-3444	526	31	is	be	AUX
fsr-3444	526	32	ti	ti	X
fsr-3444	526	33	c	c	NOUN
fsr-3444	526	34	re	re	ADP
fsr-3444	526	35	g	g	PROPN
fsr-3444	526	36	re	re	ADP
fsr-3444	526	37	ss	ss	PROPN
fsr-3444	526	38	io	io	PROPN
fsr-3444	526	39	n	n	PROPN
fsr-3444	526	40	te	te	X
fsr-3444	526	41	st	st	PROPN
fsr-3444	526	42	in	in	ADP
fsr-3444	526	43	g	g	PROPN
fsr-3444	526	44	(	(	PUNCT
fsr-3444	526	45	fi	fi	NOUN
fsr-3444	526	46	le	le	X
fsr-3444	526	47	rs	rs	NOUN
fsr-3444	526	48	=	=	SYM
fsr-3444	526	49	1	1	NUM
fsr-3444	526	50	,	,	PUNCT
fsr-3444	526	51	n	n	CCONJ
fsr-3444	526	52	o	o	NOUN
fsr-3444	526	53	n	n	CCONJ
fsr-3444	526	54	-fi	-fi	ADV
fsr-3444	526	55	le	le	X
fsr-3444	526	56	rs	rs	PROPN
fsr-3444	527	1	=	=	SYM
fsr-3444	527	2	0	0	NUM
fsr-3444	528	1	fo	fo	ADP
fsr-3444	528	2	r	r	NOUN
fsr-3444	528	3	th	th	X
fsr-3444	528	4	e	e	PROPN
fsr-3444	528	5	d	d	X
fsr-3444	528	6	ep	ep	PROPN
fsr-3444	529	1	en	en	PROPN
fsr-3444	529	2	d	d	PROPN
fsr-3444	529	3	en	en	PROPN
fsr-3444	529	4	t	t	PROPN
fsr-3444	529	5	v	v	PROPN
fsr-3444	529	6	ar	ar	PROPN
fsr-3444	529	7	ia	ia	PROPN
fsr-3444	529	8	b	b	PROPN
fsr-3444	529	9	le	le	X
fsr-3444	529	10	)	)	PUNCT
fsr-3444	529	11	is	be	AUX
fsr-3444	529	12	u	u	PROPN
fsr-3444	529	13	se	se	PROPN
fsr-3444	529	14	d	d	X
fsr-3444	529	15	to	to	ADP
fsr-3444	529	16	te	te	PROPN
fsr-3444	529	17	st	st	PROPN
fsr-3444	529	18	th	th	X
fsr-3444	529	19	e	e	PROPN
fsr-3444	529	20	d	d	NOUN
fsr-3444	529	21	if	if	SCONJ
fsr-3444	529	22	fe	fe	X
fsr-3444	529	23	re	re	X
fsr-3444	529	24	n	n	PROPN
fsr-3444	529	25	ce	ce	PROPN
fsr-3444	529	26	b	b	PROPN
fsr-3444	529	27	et	et	PROPN
fsr-3444	529	28	w	w	PROPN
fsr-3444	529	29	ee	ee	PROPN
fsr-3444	529	30	n	n	PROPN
fsr-3444	529	31	th	th	X
fsr-3444	529	32	e	e	X
fsr-3444	529	33	tw	tw	NOUN
fsr-3444	529	34	o	o	NOUN
fsr-3444	529	35	g	g	NOUN
fsr-3444	529	36	ro	ro	PROPN
fsr-3444	529	37	u	u	PROPN
fsr-3444	529	38	p	p	PROPN
fsr-3444	529	39	s.	s.	PROPN
fsr-3444	530	1	a	a	DET
fsr-3444	530	2	ll	ll	NOUN
fsr-3444	530	3	p	p	NOUN
fsr-3444	530	4	sy	sy	INTJ
fsr-3444	530	5	ch	ch	NOUN
fsr-3444	530	6	o	o	NOUN
fsr-3444	531	1	lo	lo	NOUN
fsr-3444	531	2	g	g	PROPN
fsr-3444	531	3	ic	ic	PROPN
fsr-3444	531	4	al	al	PROPN
fsr-3444	531	5	,	,	PUNCT
fsr-3444	532	1	d	d	VERB
fsr-3444	532	2	em	em	PRON
fsr-3444	533	1	o	o	INTJ
fsr-3444	534	1	g	g	NOUN
fsr-3444	534	2	ra	ra	PROPN
fsr-3444	535	1	p	p	PROPN
fsr-3444	535	2	h	h	NOUN
fsr-3444	535	3	ic	ic	PROPN
fsr-3444	536	1	an	an	DET
fsr-3444	536	2	d	d	PROPN
fsr-3444	536	3	fi	fi	NOUN
fsr-3444	536	4	n	n	CCONJ
fsr-3444	536	5	an	an	DET
fsr-3444	536	6	ci	ci	PROPN
fsr-3444	536	7	al	al	PROPN
fsr-3444	536	8	v	v	PROPN
fsr-3444	536	9	ar	ar	PROPN
fsr-3444	536	10	ia	ia	PROPN
fsr-3444	536	11	b	b	PROPN
fsr-3444	536	12	le	le	PROPN
fsr-3444	536	13	s	s	PROPN
fsr-3444	536	14	ar	ar	PROPN
fsr-3444	536	15	e	e	X
fsr-3444	536	16	th	th	X
fsr-3444	536	17	e	e	X
fsr-3444	536	18	in	in	ADP
fsr-3444	536	19	d	d	PROPN
fsr-3444	536	20	ep	ep	PROPN
fsr-3444	537	1	en	en	PROPN
fsr-3444	537	2	d	d	PROPN
fsr-3444	537	3	en	en	PROPN
fsr-3444	537	4	t	t	PROPN
fsr-3444	537	5	v	v	PROPN
fsr-3444	537	6	ar	ar	PROPN
fsr-3444	537	7	ia	ia	PROPN
fsr-3444	537	8	b	b	PROPN
fsr-3444	537	9	le	le	X
fsr-3444	537	10	s.	s.	PROPN
fsr-3444	537	11	f	f	PROPN
fsr-3444	538	1	o	o	NOUN
fsr-3444	538	2	r	r	NOUN
fsr-3444	538	3	su	su	PROPN
fsr-3444	538	4	b	b	PROPN
fsr-3444	538	5	-c	-c	PUNCT
fsr-3444	538	6	at	at	ADP
fsr-3444	538	7	eg	eg	PROPN
fsr-3444	538	8	o	o	PROPN
fsr-3444	538	9	ry	ry	INTJ
fsr-3444	538	10	,	,	PUNCT
fsr-3444	538	11	se	se	PROPN
fsr-3444	538	12	lf	lf	PROPN
fsr-3444	538	13	-e	-e	PROPN
fsr-3444	538	14	ffi	ffi	PROPN
fsr-3444	538	15	ca	can	AUX
fsr-3444	538	16	cy	cy	VERB
fsr-3444	538	17	,	,	PUNCT
fsr-3444	538	18	fi	fi	NOUN
fsr-3444	538	19	n	n	CCONJ
fsr-3444	538	20	an	an	DET
fsr-3444	538	21	ci	ci	PROPN
fsr-3444	538	22	al	al	PROPN
fsr-3444	538	23	co	co	PROPN
fsr-3444	538	24	n	n	PROPN
fsr-3444	538	25	fi	fi	PROPN
fsr-3444	539	1	d	d	X
fsr-3444	539	2	en	en	PROPN
fsr-3444	539	3	ce	ce	PROPN
fsr-3444	539	4	is	be	AUX
fsr-3444	539	5	si	si	PROPN
fsr-3444	539	6	g	g	PROPN
fsr-3444	539	7	n	n	PROPN
fsr-3444	539	8	ifi	ifi	PROPN
fsr-3444	539	9	ca	ca	PROPN
fsr-3444	539	10	n	n	NOUN
fsr-3444	539	11	t.	t.	NOUN
fsr-3444	540	1	f	f	PROPN
fsr-3444	541	1	o	o	NOUN
fsr-3444	541	2	r	r	NOUN
fsr-3444	541	3	lo	lo	PROPN
fsr-3444	541	4	cu	cu	PROPN
fsr-3444	541	5	s	s	PART
fsr-3444	541	6	o	o	X
fsr-3444	541	7	f	f	X
fsr-3444	541	8	co	co	NOUN
fsr-3444	541	9	n	n	PRON
fsr-3444	541	10	tr	tr	NOUN
fsr-3444	541	11	o	o	PROPN
fsr-3444	541	12	l	l	NOUN
fsr-3444	541	13	,	,	PUNCT
fsr-3444	541	14	h	h	PROPN
fsr-3444	541	15	av	av	PROPN
fsr-3444	541	16	in	in	ADP
fsr-3444	541	17	g	g	PROPN
fsr-3444	541	18	m	m	PROPN
fsr-3444	541	19	an	an	DET
fsr-3444	541	20	y	y	NOUN
fsr-3444	541	21	n	n	ADV
fsr-3444	541	22	eg	eg	NOUN
fsr-3444	541	23	at	at	ADP
fsr-3444	541	24	iv	iv	NUM
fsr-3444	541	25	e	e	X
fsr-3444	541	26	ex	ex	X
fsr-3444	541	27	p	p	X
fsr-3444	541	28	er	er	INTJ
fsr-3444	541	29	ie	ie	X
fsr-3444	541	30	n	n	PROPN
fsr-3444	541	31	ce	ce	PROPN
fsr-3444	541	32	s	s	PROPN
fsr-3444	541	33	w	w	NOUN
fsr-3444	541	34	it	it	PRON
fsr-3444	541	35	h	h	PRON
fsr-3444	541	36	fi	fi	NOUN
fsr-3444	541	37	n	n	CCONJ
fsr-3444	541	38	an	an	DET
fsr-3444	541	39	ce	ce	PROPN
fsr-3444	541	40	s	s	PART
fsr-3444	541	41	is	be	AUX
fsr-3444	541	42	si	si	PROPN
fsr-3444	541	43	g	g	PROPN
fsr-3444	541	44	n	n	PROPN
fsr-3444	541	45	ifi	ifi	PROPN
fsr-3444	541	46	ca	ca	PROPN
fsr-3444	541	47	n	n	NOUN
fsr-3444	541	48	t.	t.	NOUN
fsr-3444	541	49	f	f	PROPN
fsr-3444	542	1	o	o	NOUN
fsr-3444	542	2	r	r	X
fsr-3444	542	3	th	th	X
fsr-3444	542	4	e	e	PROPN
fsr-3444	542	5	su	su	PROPN
fsr-3444	542	6	b	b	PROPN
fsr-3444	542	7	-c	-c	PUNCT
fsr-3444	542	8	at	at	ADP
fsr-3444	542	9	eg	eg	NOUN
fsr-3444	542	10	o	o	PROPN
fsr-3444	542	11	ry	ry	INTJ
fsr-3444	542	12	,	,	PUNCT
fsr-3444	542	13	m	m	VERB
fsr-3444	542	14	o	o	NOUN
fsr-3444	542	15	ti	ti	X
fsr-3444	542	16	v	v	NOUN
fsr-3444	542	17	at	at	ADP
fsr-3444	542	18	io	io	PROPN
fsr-3444	542	19	n	n	PROPN
fsr-3444	542	20	,	,	PUNCT
fsr-3444	542	21	th	th	INTJ
fsr-3444	542	22	er	er	INTJ
fsr-3444	542	23	e	e	X
fsr-3444	542	24	ar	ar	PROPN
fsr-3444	542	25	e	e	PROPN
fsr-3444	542	26	n	n	NUM
fsr-3444	542	27	o	o	NOUN
fsr-3444	542	28	si	si	PROPN
fsr-3444	542	29	g	g	PROPN
fsr-3444	542	30	n	n	PROPN
fsr-3444	542	31	ifi	ifi	PROPN
fsr-3444	542	32	ca	ca	PROPN
fsr-3444	542	33	n	n	ADV
fsr-3444	543	1	t	t	NOUN
fsr-3444	543	2	d	d	NOUN
fsr-3444	543	3	if	if	SCONJ
fsr-3444	543	4	fe	fe	X
fsr-3444	543	5	re	re	X
fsr-3444	543	6	n	n	PROPN
fsr-3444	543	7	ce	ce	PROPN
fsr-3444	543	8	s.	s.	PROPN
fsr-3444	543	9	i	i	PRON
fsr-3444	543	10	m	m	VERB
fsr-3444	543	11	m	m	VERB
fsr-3444	543	12	ed	ed	NOUN
fsr-3444	543	13	ia	ia	PROPN
fsr-3444	544	1	te	te	PROPN
fsr-3444	544	2	g	g	PROPN
fsr-3444	544	3	ra	ra	PROPN
fsr-3444	544	4	ti	ti	NOUN
fsr-3444	544	5	fi	fi	NOUN
fsr-3444	545	1	ca	can	AUX
fsr-3444	545	2	ti	ti	NOUN
fsr-3444	545	3	o	o	NOUN
fsr-3444	545	4	n	n	X
fsr-3444	545	5	is	be	AUX
fsr-3444	545	6	si	si	PROPN
fsr-3444	545	7	g	g	PROPN
fsr-3444	545	8	n	n	PROPN
fsr-3444	545	9	ifi	ifi	PROPN
fsr-3444	545	10	ca	ca	PROPN
fsr-3444	545	11	n	n	PROPN
fsr-3444	545	12	t.	t.	PROPN
fsr-3444	545	13	t	t	PROPN
fsr-3444	545	14	h	h	NOUN
fsr-3444	545	15	e	e	X
fsr-3444	545	16	co	co	X
fsr-3444	545	17	n	n	PROPN
fsr-3444	545	18	tr	tr	NOUN
fsr-3444	545	19	o	o	PROPN
fsr-3444	545	20	l	l	PROPN
fsr-3444	545	21	v	v	PROPN
fsr-3444	545	22	ar	ar	PROPN
fsr-3444	545	23	ia	ia	PROPN
fsr-3444	545	24	b	b	PROPN
fsr-3444	545	25	le	le	PROPN
fsr-3444	545	26	,	,	PUNCT
fsr-3444	545	27	fi	fi	NOUN
fsr-3444	545	28	n	n	CCONJ
fsr-3444	545	29	an	an	DET
fsr-3444	545	30	ce	ce	PROPN
fsr-3444	545	31	tr	tr	VERB
fsr-3444	545	32	ai	ai	VERB
fsr-3444	545	33	n	n	ADV
fsr-3444	545	34	in	in	ADP
fsr-3444	545	35	g	g	PROPN
fsr-3444	545	36	,	,	PUNCT
fsr-3444	545	37	is	be	AUX
fsr-3444	545	38	si	si	PROPN
fsr-3444	545	39	g	g	PROPN
fsr-3444	545	40	n	n	PROPN
fsr-3444	545	41	ifi	ifi	PROPN
fsr-3444	545	42	ca	ca	PROPN
fsr-3444	545	43	n	n	NOUN
fsr-3444	545	44	t.	t.	NOUN
fsr-3444	545	45	*	*	PUNCT
fsr-3444	546	1	*	*	PUNCT
fsr-3444	546	2	*	*	PUNCT
fsr-3444	546	3	s	s	VERB
fsr-3444	546	4	ig	ig	PROPN
fsr-3444	546	5	n	n	PROPN
fsr-3444	546	6	ifi	ifi	PROPN
fsr-3444	546	7	ca	ca	AUX
fsr-3444	546	8	n	n	ADV
fsr-3444	546	9	t	t	PROPN
fsr-3444	546	10	at	at	ADP
fsr-3444	546	11	th	th	X
fsr-3444	546	12	e	e	ADP
fsr-3444	546	13	1	1	NUM
fsr-3444	546	14	%	%	NOUN
fsr-3444	546	15	le	le	X
fsr-3444	546	16	v	v	PROPN
fsr-3444	546	17	el	el	PROPN
fsr-3444	546	18	.	.	PUNCT
fsr-3444	547	1	*	*	PUNCT
fsr-3444	548	1	*	*	PUNCT
fsr-3444	548	2	s	s	VERB
fsr-3444	548	3	ig	ig	PROPN
fsr-3444	548	4	n	n	PROPN
fsr-3444	548	5	ifi	ifi	PROPN
fsr-3444	548	6	ca	ca	AUX
fsr-3444	548	7	n	n	ADV
fsr-3444	548	8	t	t	PROPN
fsr-3444	548	9	at	at	ADP
fsr-3444	548	10	th	th	X
fsr-3444	548	11	e	e	ADP
fsr-3444	548	12	5	5	NUM
fsr-3444	548	13	%	%	NOUN
fsr-3444	548	14	le	le	X
fsr-3444	548	15	v	v	PROPN
fsr-3444	548	16	el	el	PROPN
fsr-3444	548	17	.	.	PUNCT
fsr-3444	549	1	*	*	PUNCT
fsr-3444	549	2	s	s	VERB
fsr-3444	549	3	ig	ig	PROPN
fsr-3444	549	4	n	n	PROPN
fsr-3444	549	5	ifi	ifi	PROPN
fsr-3444	549	6	ca	ca	AUX
fsr-3444	549	7	n	n	ADV
fsr-3444	549	8	t	t	PROPN
fsr-3444	549	9	at	at	ADP
fsr-3444	549	10	th	th	X
fsr-3444	549	11	e	e	X
fsr-3444	549	12	1	1	NUM
fsr-3444	549	13	0	0	NUM
fsr-3444	549	14	%	%	NOUN
fsr-3444	549	15	le	le	X
fsr-3444	549	16	v	v	PROPN
fsr-3444	549	17	el	el	PROPN
fsr-3444	549	18	.	.	PUNCT
fsr-3444	550	1	s.	s.	PROPN
fsr-3444	550	2	e.	e.	PROPN
fsr-3444	550	3	kehiaian	kehiaian	PROPN
fsr-3444	550	4	et	et	PROPN
fsr-3444	550	5	al	al	PROPN
fsr-3444	550	6	.	.	PUNCT
fsr-3444	550	7	/	/	SYM
fsr-3444	550	8	financial	financial	ADJ
fsr-3444	550	9	services	service	NOUN
fsr-3444	550	10	review	review	VERB
fsr-3444	550	11	29	29	NUM
fsr-3444	550	12	(	(	PUNCT
fsr-3444	550	13	2021	2021	NUM
fsr-3444	550	14	)	)	PUNCT
fsr-3444	550	15	67–84	67–84	NOUN
fsr-3444	550	16	79	79	NUM
fsr-3444	550	17	the	the	DET
fsr-3444	550	18	odds	odd	NOUN
fsr-3444	550	19	of	of	ADP
fsr-3444	550	20	a	a	DET
fsr-3444	550	21	person	person	NOUN
fsr-3444	550	22	whose	whose	DET
fsr-3444	550	23	education	education	NOUN
fsr-3444	550	24	goes	go	VERB
fsr-3444	550	25	up	up	ADP
fsr-3444	550	26	by	by	ADP
fsr-3444	550	27	one	one	NUM
fsr-3444	550	28	level	level	NOUN
fsr-3444	550	29	to	to	PART
fsr-3444	550	30	file	file	VERB
fsr-3444	550	31	for	for	ADP
fsr-3444	550	32	bankruptcy	bankruptcy	NOUN
fsr-3444	550	33	is	be	AUX
fsr-3444	550	34	0.781	0.781	NUM
fsr-3444	550	35	times	time	NOUN
fsr-3444	550	36	the	the	DET
fsr-3444	550	37	odds	odd	NOUN
fsr-3444	550	38	for	for	ADP
fsr-3444	550	39	a	a	DET
fsr-3444	550	40	person	person	NOUN
fsr-3444	550	41	whose	whose	DET
fsr-3444	550	42	education	education	NOUN
fsr-3444	550	43	has	have	AUX
fsr-3444	550	44	not	not	PART
fsr-3444	550	45	changed	change	VERB
fsr-3444	550	46	(	(	PUNCT
fsr-3444	550	47	or=	or=	PROPN
fsr-3444	550	48	0.781	0.781	NUM
fsr-3444	550	49	,	,	PUNCT
fsr-3444	550	50	p	p	NOUN
fsr-3444	550	51	-	-	PUNCT
fsr-3444	550	52	value	value	NOUN
fsr-3444	550	53	=	=	NOUN
fsr-3444	550	54	0.006	0.006	NUM
fsr-3444	550	55	)	)	PUNCT
fsr-3444	550	56	.	.	PUNCT
fsr-3444	551	1	for	for	ADP
fsr-3444	551	2	years	year	NOUN
fsr-3444	551	3	of	of	ADP
fsr-3444	551	4	work	work	NOUN
fsr-3444	551	5	,	,	PUNCT
fsr-3444	551	6	a	a	DET
fsr-3444	551	7	one	one	NUM
fsr-3444	551	8	-	-	PUNCT
fsr-3444	551	9	year	year	NOUN
fsr-3444	551	10	increase	increase	NOUN
fsr-3444	551	11	in	in	ADP
fsr-3444	551	12	years	year	NOUN
fsr-3444	551	13	of	of	ADP
fsr-3444	551	14	work	work	NOUN
fsr-3444	551	15	increases	increase	VERB
fsr-3444	551	16	the	the	DET
fsr-3444	551	17	odds	odd	NOUN
fsr-3444	551	18	of	of	ADP
fsr-3444	551	19	being	be	AUX
fsr-3444	551	20	a	a	DET
fsr-3444	551	21	filer	filer	NOUN
fsr-3444	551	22	by	by	ADP
fsr-3444	551	23	1.323	1.323	NUM
fsr-3444	551	24	times	time	NOUN
fsr-3444	551	25	(	(	PUNCT
fsr-3444	551	26	or=	or=	PROPN
fsr-3444	551	27	1.323	1.323	NUM
fsr-3444	551	28	,	,	PUNCT
fsr-3444	551	29	p	p	NOUN
fsr-3444	551	30	-	-	PUNCT
fsr-3444	551	31	value	value	NOUN
fsr-3444	551	32	=	=	NOUN
fsr-3444	551	33	0.000	0.000	NUM
fsr-3444	551	34	)	)	PUNCT
fsr-3444	551	35	.	.	PUNCT
fsr-3444	552	1	for	for	ADP
fsr-3444	552	2	homeownership	homeownership	NOUN
fsr-3444	552	3	,	,	PUNCT
fsr-3444	552	4	the	the	DET
fsr-3444	552	5	odds	odd	NOUN
fsr-3444	552	6	of	of	ADP
fsr-3444	552	7	a	a	DET
fsr-3444	552	8	homeowner	homeowner	NOUN
fsr-3444	552	9	to	to	PART
fsr-3444	552	10	file	file	VERB
fsr-3444	552	11	for	for	ADP
fsr-3444	552	12	bankruptcy	bankruptcy	NOUN
fsr-3444	552	13	are	be	AUX
fsr-3444	552	14	4.963	4.963	NUM
fsr-3444	552	15	times	time	NOUN
fsr-3444	552	16	higher	high	ADJ
fsr-3444	552	17	than	than	ADP
fsr-3444	552	18	the	the	DET
fsr-3444	552	19	odds	odd	NOUN
fsr-3444	552	20	of	of	ADP
fsr-3444	552	21	a	a	DET
fsr-3444	552	22	nonhomeowner	nonhomeowner	NOUN
fsr-3444	552	23	to	to	PART
fsr-3444	552	24	file	file	VERB
fsr-3444	552	25	(	(	PUNCT
fsr-3444	552	26	or=	or=	PROPN
fsr-3444	552	27	4.963	4.963	NUM
fsr-3444	552	28	,	,	PUNCT
fsr-3444	552	29	p	p	NOUN
fsr-3444	552	30	-	-	PUNCT
fsr-3444	552	31	value	value	NOUN
fsr-3444	552	32	=	=	NOUN
fsr-3444	552	33	0.000	0.000	NUM
fsr-3444	552	34	)	)	PUNCT
fsr-3444	552	35	.	.	PUNCT
fsr-3444	553	1	this	this	PRON
fsr-3444	553	2	is	be	AUX
fsr-3444	553	3	a	a	DET
fsr-3444	553	4	highly	highly	ADV
fsr-3444	553	5	significant	significant	ADJ
fsr-3444	553	6	result	result	NOUN
fsr-3444	553	7	.	.	PUNCT
fsr-3444	554	1	for	for	ADP
fsr-3444	554	2	parents	parent	NOUN
fsr-3444	554	3	’	'	PUNCT
fsr-3444	554	4	income	income	NOUN
fsr-3444	554	5	,	,	PUNCT
fsr-3444	554	6	an	an	DET
fsr-3444	554	7	increase	increase	NOUN
fsr-3444	554	8	by	by	ADP
fsr-3444	554	9	one	one	NUM
fsr-3444	554	10	level	level	NOUN
fsr-3444	554	11	,	,	PUNCT
fsr-3444	554	12	the	the	DET
fsr-3444	554	13	odds	odd	NOUN
fsr-3444	554	14	for	for	ADP
fsr-3444	554	15	the	the	DET
fsr-3444	554	16	son	son	NOUN
fsr-3444	554	17	or	or	CCONJ
fsr-3444	554	18	daughter	daughter	NOUN
fsr-3444	554	19	to	to	PART
fsr-3444	554	20	file	file	VERB
fsr-3444	554	21	for	for	ADP
fsr-3444	554	22	bankruptcy	bankruptcy	NOUN
fsr-3444	554	23	is	be	AUX
fsr-3444	554	24	0.869	0.869	NUM
fsr-3444	554	25	times	time	NOUN
fsr-3444	554	26	the	the	DET
fsr-3444	554	27	odds	odd	NOUN
fsr-3444	554	28	if	if	SCONJ
fsr-3444	554	29	the	the	DET
fsr-3444	554	30	parents	parent	NOUN
fsr-3444	554	31	’	’	PART
fsr-3444	554	32	income	income	NOUN
fsr-3444	554	33	does	do	AUX
fsr-3444	554	34	not	not	PART
fsr-3444	554	35	increase	increase	VERB
fsr-3444	554	36	(	(	PUNCT
fsr-3444	554	37	or=	or=	PROPN
fsr-3444	554	38	0.869	0.869	NUM
fsr-3444	554	39	,	,	PUNCT
fsr-3444	554	40	p	p	NOUN
fsr-3444	554	41	-	-	PUNCT
fsr-3444	554	42	value	value	NOUN
fsr-3444	554	43	=	=	NOUN
fsr-3444	554	44	0.072	0.072	NUM
fsr-3444	554	45	)	)	PUNCT
fsr-3444	554	46	.	.	PUNCT
fsr-3444	555	1	this	this	DET
fsr-3444	555	2	intergenerational	intergenerational	ADJ
fsr-3444	555	3	relationship	relationship	NOUN
fsr-3444	555	4	that	that	PRON
fsr-3444	555	5	is	be	AUX
fsr-3444	555	6	not	not	PART
fsr-3444	555	7	seen	see	VERB
fsr-3444	555	8	in	in	ADP
fsr-3444	555	9	the	the	DET
fsr-3444	555	10	literature	literature	NOUN
fsr-3444	555	11	.	.	PUNCT
fsr-3444	556	1	for	for	ADP
fsr-3444	556	2	religious	religious	ADJ
fsr-3444	556	3	commitment	commitment	NOUN
fsr-3444	556	4	,	,	PUNCT
fsr-3444	556	5	if	if	SCONJ
fsr-3444	556	6	a	a	DET
fsr-3444	556	7	person	person	NOUN
fsr-3444	556	8	’s	’s	PART
fsr-3444	556	9	religious	religious	ADJ
fsr-3444	556	10	commitment	commitment	NOUN
fsr-3444	556	11	increases	increase	NOUN
fsr-3444	556	12	by	by	ADP
fsr-3444	556	13	one	one	NUM
fsr-3444	556	14	level	level	NOUN
fsr-3444	556	15	,	,	PUNCT
fsr-3444	556	16	the	the	DET
fsr-3444	556	17	odds	odd	NOUN
fsr-3444	556	18	of	of	ADP
fsr-3444	556	19	that	that	DET
fsr-3444	556	20	person	person	NOUN
fsr-3444	556	21	filing	file	VERB
fsr-3444	556	22	for	for	ADP
fsr-3444	556	23	bankruptcy	bankruptcy	NOUN
fsr-3444	556	24	is	be	AUX
fsr-3444	556	25	0.737	0.737	NUM
fsr-3444	556	26	times	time	NOUN
fsr-3444	556	27	the	the	DET
fsr-3444	556	28	odds	odd	NOUN
fsr-3444	556	29	of	of	ADP
fsr-3444	556	30	filing	filing	NOUN
fsr-3444	556	31	for	for	ADP
fsr-3444	556	32	bankruptcy	bankruptcy	NOUN
fsr-3444	556	33	with	with	ADP
fsr-3444	556	34	no	no	DET
fsr-3444	556	35	increase	increase	NOUN
fsr-3444	556	36	(	(	PUNCT
fsr-3444	556	37	or=	or=	PROPN
fsr-3444	556	38	0.737	0.737	NUM
fsr-3444	556	39	,	,	PUNCT
fsr-3444	556	40	pvalue	pvalue	NOUN
fsr-3444	556	41	=	=	NOUN
fsr-3444	556	42	0.021	0.021	NUM
fsr-3444	556	43	)	)	PUNCT
fsr-3444	556	44	.	.	PUNCT
fsr-3444	557	1	the	the	DET
fsr-3444	557	2	odds	odd	NOUN
fsr-3444	557	3	of	of	ADP
fsr-3444	557	4	a	a	DET
fsr-3444	557	5	person	person	NOUN
fsr-3444	557	6	from	from	ADP
fsr-3444	557	7	a	a	DET
fsr-3444	557	8	protestant	protestant	ADJ
fsr-3444	557	9	faith	faith	NOUN
fsr-3444	557	10	to	to	PART
fsr-3444	557	11	file	file	VERB
fsr-3444	557	12	for	for	ADP
fsr-3444	557	13	bankruptcy	bankruptcy	NOUN
fsr-3444	557	14	is	be	AUX
fsr-3444	557	15	0.161	0.161	NUM
fsr-3444	557	16	times	time	NOUN
fsr-3444	557	17	the	the	DET
fsr-3444	557	18	odds	odd	NOUN
fsr-3444	557	19	of	of	ADP
fsr-3444	557	20	filing	filing	NOUN
fsr-3444	557	21	by	by	ADP
fsr-3444	557	22	the	the	DET
fsr-3444	557	23	other	other	ADJ
fsr-3444	557	24	faiths	faith	NOUN
fsr-3444	557	25	studied	study	VERB
fsr-3444	557	26	(	(	PUNCT
fsr-3444	557	27	or=	or=	PROPN
fsr-3444	557	28	0.161	0.161	NUM
fsr-3444	557	29	,	,	PUNCT
fsr-3444	557	30	p	p	NOUN
fsr-3444	557	31	-	-	PUNCT
fsr-3444	557	32	value	value	NOUN
fsr-3444	557	33	=	=	NOUN
fsr-3444	557	34	0.000	0.000	NUM
fsr-3444	557	35	)	)	PUNCT
fsr-3444	557	36	.	.	PUNCT
fsr-3444	558	1	the	the	DET
fsr-3444	558	2	odds	odd	NOUN
fsr-3444	558	3	of	of	ADP
fsr-3444	558	4	a	a	DET
fsr-3444	558	5	person	person	NOUN
fsr-3444	558	6	from	from	ADP
fsr-3444	558	7	a	a	DET
fsr-3444	558	8	nondenominational	nondenominational	ADJ
fsr-3444	558	9	faith	faith	NOUN
fsr-3444	558	10	filing	filing	NOUN
fsr-3444	558	11	is	be	AUX
fsr-3444	558	12	0.249	0.249	NUM
fsr-3444	558	13	times	time	NOUN
fsr-3444	558	14	the	the	DET
fsr-3444	558	15	odds	odd	NOUN
fsr-3444	558	16	of	of	ADP
fsr-3444	558	17	a	a	DET
fsr-3444	558	18	person	person	NOUN
fsr-3444	558	19	from	from	ADP
fsr-3444	558	20	another	another	DET
fsr-3444	558	21	faith	faith	NOUN
fsr-3444	558	22	filing	filing	NOUN
fsr-3444	558	23	(	(	PUNCT
fsr-3444	558	24	or=	or=	PROPN
fsr-3444	558	25	0.249	0.249	NUM
fsr-3444	558	26	,	,	PUNCT
fsr-3444	558	27	p	p	NOUN
fsr-3444	558	28	-	-	PUNCT
fsr-3444	558	29	value	value	NOUN
fsr-3444	558	30	=	=	NOUN
fsr-3444	558	31	0.000	0.000	NUM
fsr-3444	558	32	)	)	PUNCT
fsr-3444	558	33	.	.	PUNCT
fsr-3444	559	1	these	these	DET
fsr-3444	559	2	results	result	NOUN
fsr-3444	559	3	for	for	ADP
fsr-3444	559	4	different	different	ADJ
fsr-3444	559	5	faiths	faith	NOUN
fsr-3444	559	6	impacting	impact	VERB
fsr-3444	559	7	bankruptcy	bankruptcy	NOUN
fsr-3444	559	8	filing	filing	NOUN
fsr-3444	559	9	are	be	AUX
fsr-3444	559	10	not	not	PART
fsr-3444	559	11	seen	see	VERB
fsr-3444	559	12	in	in	ADP
fsr-3444	559	13	the	the	DET
fsr-3444	559	14	literature	literature	NOUN
fsr-3444	559	15	.	.	PUNCT
fsr-3444	560	1	4.3.4	4.3.4	X
fsr-3444	560	2	.	.	PUNCT
fsr-3444	561	1	logistic	logistic	ADJ
fsr-3444	561	2	regression	regression	NOUN
fsr-3444	561	3	results	result	NOUN
fsr-3444	561	4	for	for	ADP
fsr-3444	561	5	psychological	psychological	ADJ
fsr-3444	561	6	variables	variable	NOUN
fsr-3444	561	7	.	.	PUNCT
fsr-3444	562	1	for	for	ADP
fsr-3444	562	2	self	self	NOUN
fsr-3444	562	3	-	-	PUNCT
fsr-3444	562	4	efficacy	efficacy	NOUN
fsr-3444	562	5	,	,	PUNCT
fsr-3444	562	6	the	the	DET
fsr-3444	562	7	odds	odd	NOUN
fsr-3444	562	8	that	that	SCONJ
fsr-3444	562	9	a	a	DET
fsr-3444	562	10	person	person	NOUN
fsr-3444	562	11	with	with	ADP
fsr-3444	562	12	an	an	DET
fsr-3444	562	13	increase	increase	NOUN
fsr-3444	562	14	in	in	ADP
fsr-3444	562	15	financial	financial	ADJ
fsr-3444	562	16	confidence	confidence	NOUN
fsr-3444	562	17	filing	filing	NOUN
fsr-3444	562	18	is	be	AUX
fsr-3444	562	19	0.787	0.787	NUM
fsr-3444	562	20	times	time	NOUN
fsr-3444	562	21	the	the	DET
fsr-3444	562	22	odds	odd	NOUN
fsr-3444	562	23	before	before	ADP
fsr-3444	562	24	the	the	DET
fsr-3444	562	25	increase	increase	NOUN
fsr-3444	562	26	(	(	PUNCT
fsr-3444	562	27	or=	or=	PROPN
fsr-3444	562	28	0.787	0.787	NUM
fsr-3444	562	29	,	,	PUNCT
fsr-3444	562	30	p	p	NOUN
fsr-3444	562	31	-	-	PUNCT
fsr-3444	562	32	value	value	NOUN
fsr-3444	562	33	=	=	SYM
fsr-3444	562	34	0.033	0.033	NUM
fsr-3444	562	35	;	;	PUNCT
fsr-3444	562	36	table	table	NOUN
fsr-3444	562	37	5	5	NUM
fsr-3444	562	38	)	)	PUNCT
fsr-3444	562	39	.	.	PUNCT
fsr-3444	563	1	for	for	ADP
fsr-3444	563	2	locus	locus	NOUN
fsr-3444	563	3	of	of	ADP
fsr-3444	563	4	control	control	NOUN
fsr-3444	563	5	,	,	PUNCT
fsr-3444	563	6	the	the	DET
fsr-3444	563	7	odds	odd	NOUN
fsr-3444	563	8	of	of	ADP
fsr-3444	563	9	a	a	DET
fsr-3444	563	10	person	person	NOUN
fsr-3444	563	11	who	who	PRON
fsr-3444	563	12	has	have	VERB
fsr-3444	563	13	an	an	DET
fsr-3444	563	14	increase	increase	NOUN
fsr-3444	563	15	in	in	ADP
fsr-3444	563	16	negative	negative	ADJ
fsr-3444	563	17	experiences	experience	NOUN
fsr-3444	563	18	with	with	ADP
fsr-3444	563	19	his	his	PRON
fsr-3444	563	20	household	household	NOUN
fsr-3444	563	21	finances	finance	NOUN
fsr-3444	563	22	filing	filing	NOUN
fsr-3444	563	23	is	be	AUX
fsr-3444	563	24	1.395	1.395	NUM
fsr-3444	563	25	times	time	NOUN
fsr-3444	563	26	the	the	DET
fsr-3444	563	27	odds	odd	NOUN
fsr-3444	563	28	of	of	ADP
fsr-3444	563	29	that	that	DET
fsr-3444	563	30	person	person	NOUN
fsr-3444	563	31	filing	file	VERB
fsr-3444	563	32	before	before	ADP
fsr-3444	563	33	the	the	DET
fsr-3444	563	34	increase	increase	NOUN
fsr-3444	563	35	in	in	ADP
fsr-3444	563	36	negative	negative	ADJ
fsr-3444	563	37	experiences	experience	NOUN
fsr-3444	563	38	(	(	PUNCT
fsr-3444	563	39	or=	or=	PROPN
fsr-3444	563	40	1.395	1.395	NUM
fsr-3444	563	41	,	,	PUNCT
fsr-3444	563	42	pvalue	pvalue	NOUN
fsr-3444	563	43	=	=	NOUN
fsr-3444	563	44	0.001	0.001	NUM
fsr-3444	563	45	)	)	PUNCT
fsr-3444	563	46	.	.	PUNCT
fsr-3444	564	1	for	for	ADP
fsr-3444	564	2	self	self	NOUN
fsr-3444	564	3	-	-	PUNCT
fsr-3444	564	4	control	control	NOUN
fsr-3444	564	5	,	,	PUNCT
fsr-3444	564	6	the	the	DET
fsr-3444	564	7	odds	odd	NOUN
fsr-3444	564	8	of	of	ADP
fsr-3444	564	9	a	a	DET
fsr-3444	564	10	person	person	NOUN
fsr-3444	564	11	with	with	ADP
fsr-3444	564	12	an	an	DET
fsr-3444	564	13	increase	increase	NOUN
fsr-3444	564	14	in	in	ADP
fsr-3444	564	15	the	the	DET
fsr-3444	564	16	importance	importance	NOUN
fsr-3444	564	17	of	of	ADP
fsr-3444	564	18	immediate	immediate	ADJ
fsr-3444	564	19	gratification	gratification	NOUN
fsr-3444	564	20	filing	filing	NOUN
fsr-3444	564	21	is	be	AUX
fsr-3444	564	22	1.5	1.5	NUM
fsr-3444	564	23	times	time	NOUN
fsr-3444	564	24	the	the	DET
fsr-3444	564	25	odds	odd	NOUN
fsr-3444	564	26	for	for	ADP
fsr-3444	564	27	that	that	DET
fsr-3444	564	28	person	person	NOUN
fsr-3444	564	29	before	before	ADP
fsr-3444	564	30	the	the	DET
fsr-3444	564	31	increase	increase	NOUN
fsr-3444	564	32	(	(	PUNCT
fsr-3444	564	33	or	or	CCONJ
fsr-3444	564	34	=	=	NOUN
fsr-3444	564	35	1.468	1.468	NUM
fsr-3444	564	36	,	,	PUNCT
fsr-3444	564	37	p	p	NOUN
fsr-3444	564	38	-	-	PUNCT
fsr-3444	564	39	value	value	NOUN
fsr-3444	564	40	=	=	NOUN
fsr-3444	564	41	0.012	0.012	NUM
fsr-3444	564	42	)	)	PUNCT
fsr-3444	564	43	.	.	PUNCT
fsr-3444	565	1	motivation	motivation	NOUN
fsr-3444	565	2	is	be	AUX
fsr-3444	565	3	not	not	PART
fsr-3444	565	4	significant	significant	ADJ
fsr-3444	565	5	.	.	PUNCT
fsr-3444	566	1	4.3.5	4.3.5	X
fsr-3444	566	2	.	.	PUNCT
fsr-3444	567	1	logistic	logistic	ADJ
fsr-3444	567	2	regression	regression	NOUN
fsr-3444	567	3	results	result	NOUN
fsr-3444	567	4	for	for	ADP
fsr-3444	567	5	financial	financial	ADJ
fsr-3444	567	6	variables	variable	NOUN
fsr-3444	567	7	.	.	PUNCT
fsr-3444	568	1	the	the	DET
fsr-3444	568	2	odds	odd	NOUN
fsr-3444	568	3	of	of	ADP
fsr-3444	568	4	a	a	DET
fsr-3444	568	5	person	person	NOUN
fsr-3444	568	6	who	who	PRON
fsr-3444	568	7	receives	receive	VERB
fsr-3444	568	8	financial	financial	ADJ
fsr-3444	568	9	training	training	NOUN
fsr-3444	568	10	to	to	PART
fsr-3444	568	11	be	be	AUX
fsr-3444	568	12	a	a	DET
fsr-3444	568	13	filer	filer	NOUN
fsr-3444	568	14	is	be	AUX
fsr-3444	568	15	0.513	0.513	NUM
fsr-3444	568	16	times	time	NOUN
fsr-3444	568	17	the	the	DET
fsr-3444	568	18	odds	odd	NOUN
fsr-3444	568	19	of	of	ADP
fsr-3444	568	20	someone	someone	PRON
fsr-3444	568	21	who	who	PRON
fsr-3444	568	22	does	do	AUX
fsr-3444	568	23	not	not	PART
fsr-3444	568	24	receive	receive	VERB
fsr-3444	568	25	financial	financial	ADJ
fsr-3444	568	26	training	training	NOUN
fsr-3444	568	27	(	(	PUNCT
fsr-3444	568	28	or=	or=	PROPN
fsr-3444	568	29	0.513	0.513	NUM
fsr-3444	568	30	,	,	PUNCT
fsr-3444	568	31	p	p	NOUN
fsr-3444	568	32	-	-	PUNCT
fsr-3444	568	33	value	value	NOUN
fsr-3444	568	34	=	=	NOUN
fsr-3444	568	35	0.013	0.013	NUM
fsr-3444	568	36	)	)	PUNCT
fsr-3444	568	37	.	.	PUNCT
fsr-3444	569	1	5	5	X
fsr-3444	569	2	.	.	X
fsr-3444	569	3	discussion	discussion	NOUN
fsr-3444	569	4	this	this	DET
fsr-3444	569	5	study	study	NOUN
fsr-3444	569	6	compares	compare	VERB
fsr-3444	569	7	chapter	chapter	NOUN
fsr-3444	569	8	13	13	NUM
fsr-3444	569	9	bankruptcy	bankruptcy	NOUN
fsr-3444	569	10	filers	filer	NOUN
fsr-3444	569	11	and	and	CCONJ
fsr-3444	569	12	non	non	NOUN
fsr-3444	569	13	-	-	NOUN
fsr-3444	569	14	filers	filer	NOUN
fsr-3444	569	15	using	use	VERB
fsr-3444	569	16	demographic	demographic	ADJ
fsr-3444	569	17	,	,	PUNCT
fsr-3444	569	18	psychological	psychological	ADJ
fsr-3444	569	19	,	,	PUNCT
fsr-3444	569	20	and	and	CCONJ
fsr-3444	569	21	financial	financial	ADJ
fsr-3444	569	22	variables	variable	NOUN
fsr-3444	569	23	.	.	PUNCT
fsr-3444	570	1	the	the	DET
fsr-3444	570	2	significant	significant	ADJ
fsr-3444	570	3	demographic	demographic	ADJ
fsr-3444	570	4	variables	variable	NOUN
fsr-3444	570	5	are	be	AUX
fsr-3444	570	6	gender	gender	NOUN
fsr-3444	570	7	,	,	PUNCT
fsr-3444	570	8	education	education	NOUN
fsr-3444	570	9	,	,	PUNCT
fsr-3444	570	10	religious	religious	ADJ
fsr-3444	570	11	faiths	faith	NOUN
fsr-3444	570	12	,	,	PUNCT
fsr-3444	570	13	religious	religious	ADJ
fsr-3444	570	14	commitment	commitment	NOUN
fsr-3444	570	15	,	,	PUNCT
fsr-3444	570	16	racial	racial	ADJ
fsr-3444	570	17	group	group	NOUN
fsr-3444	570	18	,	,	PUNCT
fsr-3444	570	19	homeownership	homeownership	NOUN
fsr-3444	570	20	,	,	PUNCT
fsr-3444	570	21	parent	parent	NOUN
fsr-3444	570	22	’s	’s	PART
fsr-3444	570	23	income	income	NOUN
fsr-3444	570	24	,	,	PUNCT
fsr-3444	570	25	and	and	CCONJ
fsr-3444	570	26	marital	marital	ADJ
fsr-3444	570	27	status	status	NOUN
fsr-3444	570	28	.	.	PUNCT
fsr-3444	571	1	the	the	DET
fsr-3444	571	2	significant	significant	ADJ
fsr-3444	571	3	psychological	psychological	ADJ
fsr-3444	571	4	variables	variable	NOUN
fsr-3444	571	5	are	be	AUX
fsr-3444	571	6	self	self	NOUN
fsr-3444	571	7	-	-	PUNCT
fsr-3444	571	8	efficacy	efficacy	NOUN
fsr-3444	571	9	,	,	PUNCT
fsr-3444	571	10	locus	locus	NOUN
fsr-3444	571	11	of	of	ADP
fsr-3444	571	12	control	control	NOUN
fsr-3444	571	13	,	,	PUNCT
fsr-3444	571	14	and	and	CCONJ
fsr-3444	571	15	self	self	NOUN
fsr-3444	571	16	-	-	PUNCT
fsr-3444	571	17	interest	interest	NOUN
fsr-3444	571	18	.	.	PUNCT
fsr-3444	572	1	the	the	DET
fsr-3444	572	2	significant	significant	ADJ
fsr-3444	572	3	financial	financial	ADJ
fsr-3444	572	4	variable	variable	NOUN
fsr-3444	572	5	is	be	AUX
fsr-3444	572	6	financial	financial	ADJ
fsr-3444	572	7	training	training	NOUN
fsr-3444	572	8	.	.	PUNCT
fsr-3444	573	1	5.1	5.1	NUM
fsr-3444	573	2	.	.	PUNCT
fsr-3444	574	1	demographics	demographic	NOUN
fsr-3444	574	2	for	for	ADP
fsr-3444	574	3	gender	gender	NOUN
fsr-3444	574	4	,	,	PUNCT
fsr-3444	574	5	we	we	PRON
fsr-3444	574	6	find	find	VERB
fsr-3444	574	7	that	that	SCONJ
fsr-3444	574	8	males	male	NOUN
fsr-3444	574	9	are	be	AUX
fsr-3444	574	10	twice	twice	ADV
fsr-3444	574	11	as	as	ADV
fsr-3444	574	12	likely	likely	ADJ
fsr-3444	574	13	as	as	SCONJ
fsr-3444	574	14	females	female	NOUN
fsr-3444	574	15	to	to	PART
fsr-3444	574	16	file	file	VERB
fsr-3444	574	17	for	for	ADP
fsr-3444	574	18	bankruptcy	bankruptcy	NOUN
fsr-3444	574	19	.	.	PUNCT
fsr-3444	575	1	chakravarty	chakravarty	NOUN
fsr-3444	575	2	and	and	CCONJ
fsr-3444	575	3	rhee	rhee	PROPN
fsr-3444	575	4	(	(	PUNCT
fsr-3444	575	5	1999	1999	NUM
fsr-3444	575	6	)	)	PUNCT
fsr-3444	575	7	find	find	VERB
fsr-3444	575	8	that	that	SCONJ
fsr-3444	575	9	the	the	DET
fsr-3444	575	10	gender	gender	NOUN
fsr-3444	575	11	of	of	ADP
fsr-3444	575	12	a	a	DET
fsr-3444	575	13	single	single	ADJ
fsr-3444	575	14	head	head	NOUN
fsr-3444	575	15	of	of	ADP
fsr-3444	575	16	household	household	NOUN
fsr-3444	575	17	appears	appear	VERB
fsr-3444	575	18	to	to	PART
fsr-3444	575	19	be	be	AUX
fsr-3444	575	20	an	an	DET
fsr-3444	575	21	important	important	ADJ
fsr-3444	575	22	predictor	predictor	NOUN
fsr-3444	575	23	of	of	ADP
fsr-3444	575	24	bankruptcy	bankruptcy	NOUN
fsr-3444	575	25	filing	filing	NOUN
fsr-3444	575	26	.	.	PUNCT
fsr-3444	576	1	for	for	ADP
fsr-3444	576	2	education	education	NOUN
fsr-3444	576	3	,	,	PUNCT
fsr-3444	576	4	we	we	PRON
fsr-3444	576	5	find	find	VERB
fsr-3444	576	6	that	that	SCONJ
fsr-3444	576	7	increasing	increase	VERB
fsr-3444	576	8	education	education	NOUN
fsr-3444	576	9	is	be	AUX
fsr-3444	576	10	likely	likely	ADJ
fsr-3444	576	11	to	to	PART
fsr-3444	576	12	reduce	reduce	VERB
fsr-3444	576	13	the	the	DET
fsr-3444	576	14	odds	odd	NOUN
fsr-3444	576	15	of	of	ADP
fsr-3444	576	16	filing	filing	NOUN
fsr-3444	576	17	for	for	ADP
fsr-3444	576	18	bankruptcy	bankruptcy	NOUN
fsr-3444	576	19	.	.	PUNCT
fsr-3444	577	1	fisher	fisher	PROPN
fsr-3444	577	2	(	(	PUNCT
fsr-3444	577	3	2019	2019	NUM
fsr-3444	577	4	)	)	PUNCT
fsr-3444	577	5	finds	find	VERB
fsr-3444	577	6	that	that	SCONJ
fsr-3444	577	7	people	people	NOUN
fsr-3444	577	8	with	with	ADP
fsr-3444	577	9	lower	low	ADJ
fsr-3444	577	10	education	education	NOUN
fsr-3444	577	11	are	be	AUX
fsr-3444	577	12	more	more	ADV
fsr-3444	577	13	likely	likely	ADJ
fsr-3444	577	14	to	to	PART
fsr-3444	577	15	file	file	VERB
fsr-3444	577	16	for	for	ADP
fsr-3444	577	17	bankruptcy	bankruptcy	NOUN
fsr-3444	577	18	.	.	PUNCT
fsr-3444	578	1	for	for	ADP
fsr-3444	578	2	years	year	NOUN
fsr-3444	578	3	of	of	ADP
fsr-3444	578	4	work	work	NOUN
fsr-3444	578	5	,	,	PUNCT
fsr-3444	578	6	we	we	PRON
fsr-3444	578	7	find	find	VERB
fsr-3444	578	8	that	that	SCONJ
fsr-3444	578	9	an	an	DET
fsr-3444	578	10	80	80	NUM
fsr-3444	578	11	s.	s.	PROPN
fsr-3444	578	12	e.	e.	PROPN
fsr-3444	578	13	kehiaian	kehiaian	PROPN
fsr-3444	578	14	et	et	PROPN
fsr-3444	578	15	al	al	PROPN
fsr-3444	578	16	.	.	PUNCT
fsr-3444	578	17	/	/	SYM
fsr-3444	578	18	financial	financial	ADJ
fsr-3444	578	19	services	service	NOUN
fsr-3444	578	20	review	review	VERB
fsr-3444	578	21	29	29	NUM
fsr-3444	578	22	(	(	PUNCT
fsr-3444	578	23	2021	2021	NUM
fsr-3444	578	24	)	)	PUNCT
fsr-3444	578	25	67–84	67–84	NOUN
fsr-3444	578	26	increase	increase	NOUN
fsr-3444	578	27	in	in	ADP
fsr-3444	578	28	years	year	NOUN
fsr-3444	578	29	of	of	ADP
fsr-3444	578	30	work	work	NOUN
fsr-3444	578	31	is	be	AUX
fsr-3444	578	32	likely	likely	ADJ
fsr-3444	578	33	to	to	PART
fsr-3444	578	34	increase	increase	VERB
fsr-3444	578	35	the	the	DET
fsr-3444	578	36	odds	odd	NOUN
fsr-3444	578	37	of	of	ADP
fsr-3444	578	38	filing	filing	NOUN
fsr-3444	578	39	for	for	ADP
fsr-3444	578	40	bankruptcy	bankruptcy	NOUN
fsr-3444	578	41	.	.	PUNCT
fsr-3444	579	1	we	we	PRON
fsr-3444	579	2	have	have	AUX
fsr-3444	579	3	not	not	PART
fsr-3444	579	4	seen	see	VERB
fsr-3444	579	5	this	this	DET
fsr-3444	579	6	result	result	NOUN
fsr-3444	579	7	in	in	ADP
fsr-3444	579	8	the	the	DET
fsr-3444	579	9	literature	literature	NOUN
fsr-3444	579	10	for	for	ADP
fsr-3444	579	11	personal	personal	ADJ
fsr-3444	579	12	bankruptcy	bankruptcy	NOUN
fsr-3444	579	13	.	.	PUNCT
fsr-3444	580	1	by	by	ADP
fsr-3444	580	2	having	have	VERB
fsr-3444	580	3	more	more	ADJ
fsr-3444	580	4	years	year	NOUN
fsr-3444	580	5	of	of	ADP
fsr-3444	580	6	work	work	NOUN
fsr-3444	580	7	,	,	PUNCT
fsr-3444	580	8	a	a	DET
fsr-3444	580	9	person	person	NOUN
fsr-3444	580	10	’s	’s	PART
fsr-3444	580	11	income	income	NOUN
fsr-3444	580	12	usually	usually	ADV
fsr-3444	580	13	increases	increase	VERB
fsr-3444	580	14	.	.	PUNCT
fsr-3444	581	1	this	this	PRON
fsr-3444	581	2	can	can	AUX
fsr-3444	581	3	trigger	trigger	VERB
fsr-3444	581	4	the	the	DET
fsr-3444	581	5	accumulation	accumulation	NOUN
fsr-3444	581	6	of	of	ADP
fsr-3444	581	7	more	more	ADJ
fsr-3444	581	8	debt	debt	NOUN
fsr-3444	581	9	,	,	PUNCT
fsr-3444	581	10	which	which	PRON
fsr-3444	581	11	can	can	AUX
fsr-3444	581	12	lead	lead	VERB
fsr-3444	581	13	to	to	ADP
fsr-3444	581	14	filing	file	VERB
fsr-3444	581	15	for	for	ADP
fsr-3444	581	16	bankruptcy	bankruptcy	NOUN
fsr-3444	581	17	.	.	PUNCT
fsr-3444	582	1	we	we	PRON
fsr-3444	582	2	find	find	VERB
fsr-3444	582	3	that	that	SCONJ
fsr-3444	582	4	homeowners	homeowner	NOUN
fsr-3444	582	5	are	be	AUX
fsr-3444	582	6	five	five	NUM
fsr-3444	582	7	times	time	NOUN
fsr-3444	582	8	more	more	ADV
fsr-3444	582	9	likely	likely	ADJ
fsr-3444	582	10	to	to	PART
fsr-3444	582	11	be	be	AUX
fsr-3444	582	12	filers	filer	NOUN
fsr-3444	582	13	than	than	ADP
fsr-3444	582	14	renters	renter	NOUN
fsr-3444	582	15	.	.	PUNCT
fsr-3444	583	1	this	this	PRON
fsr-3444	583	2	is	be	AUX
fsr-3444	583	3	a	a	DET
fsr-3444	583	4	highly	highly	ADV
fsr-3444	583	5	significant	significant	ADJ
fsr-3444	583	6	result	result	NOUN
fsr-3444	583	7	.	.	PUNCT
fsr-3444	584	1	home	home	NOUN
fsr-3444	584	2	ownership	ownership	NOUN
fsr-3444	584	3	puts	put	VERB
fsr-3444	584	4	a	a	DET
fsr-3444	584	5	heavy	heavy	ADJ
fsr-3444	584	6	financial	financial	ADJ
fsr-3444	584	7	strain	strain	NOUN
fsr-3444	584	8	on	on	ADP
fsr-3444	584	9	a	a	DET
fsr-3444	584	10	homeowner	homeowner	NOUN
fsr-3444	584	11	and	and	CCONJ
fsr-3444	584	12	,	,	PUNCT
fsr-3444	584	13	if	if	SCONJ
fsr-3444	584	14	he	he	PRON
fsr-3444	584	15	or	or	CCONJ
fsr-3444	584	16	she	she	PRON
fsr-3444	584	17	were	be	AUX
fsr-3444	584	18	to	to	PART
fsr-3444	584	19	have	have	VERB
fsr-3444	584	20	a	a	DET
fsr-3444	584	21	loss	loss	NOUN
fsr-3444	584	22	of	of	ADP
fsr-3444	584	23	employment	employment	NOUN
fsr-3444	584	24	or	or	CCONJ
fsr-3444	584	25	a	a	DET
fsr-3444	584	26	major	major	ADJ
fsr-3444	584	27	medical	medical	ADJ
fsr-3444	584	28	occurrence	occurrence	NOUN
fsr-3444	584	29	,	,	PUNCT
fsr-3444	584	30	the	the	DET
fsr-3444	584	31	likelihood	likelihood	NOUN
fsr-3444	584	32	of	of	ADP
fsr-3444	584	33	filing	filing	NOUN
fsr-3444	584	34	for	for	ADP
fsr-3444	584	35	bankruptcy	bankruptcy	NOUN
fsr-3444	584	36	increases	increase	NOUN
fsr-3444	584	37	sharply	sharply	ADV
fsr-3444	584	38	.	.	PUNCT
fsr-3444	585	1	also	also	ADV
fsr-3444	585	2	,	,	PUNCT
fsr-3444	585	3	the	the	DET
fsr-3444	585	4	chapter	chapter	NOUN
fsr-3444	585	5	13	13	NUM
fsr-3444	585	6	bankruptcy	bankruptcy	NOUN
fsr-3444	585	7	law	law	NOUN
fsr-3444	585	8	is	be	AUX
fsr-3444	585	9	structured	structure	VERB
fsr-3444	585	10	such	such	ADJ
fsr-3444	585	11	that	that	SCONJ
fsr-3444	585	12	,	,	PUNCT
fsr-3444	585	13	a	a	DET
fsr-3444	585	14	person	person	NOUN
fsr-3444	585	15	can	can	AUX
fsr-3444	585	16	keep	keep	VERB
fsr-3444	585	17	the	the	DET
fsr-3444	585	18	home	home	NOUN
fsr-3444	585	19	while	while	SCONJ
fsr-3444	585	20	implementing	implement	VERB
fsr-3444	585	21	a	a	DET
fsr-3444	585	22	restructured	restructure	VERB
fsr-3444	585	23	debt	debt	NOUN
fsr-3444	585	24	repayment	repayment	NOUN
fsr-3444	585	25	plan	plan	NOUN
fsr-3444	585	26	.	.	PUNCT
fsr-3444	586	1	this	this	DET
fsr-3444	586	2	benefit	benefit	NOUN
fsr-3444	586	3	from	from	ADP
fsr-3444	586	4	home	home	NOUN
fsr-3444	586	5	ownership	ownership	NOUN
fsr-3444	586	6	increases	increase	VERB
fsr-3444	586	7	the	the	DET
fsr-3444	586	8	likelihood	likelihood	NOUN
fsr-3444	586	9	to	to	PART
fsr-3444	586	10	file	file	VERB
fsr-3444	586	11	for	for	ADP
fsr-3444	586	12	chapter	chapter	NOUN
fsr-3444	586	13	13	13	NUM
fsr-3444	586	14	bankruptcy	bankruptcy	NOUN
fsr-3444	586	15	.	.	PUNCT
fsr-3444	587	1	domowitz	domowitz	VERB
fsr-3444	587	2	and	and	CCONJ
fsr-3444	587	3	sartain	sartain	VERB
fsr-3444	587	4	(	(	PUNCT
fsr-3444	587	5	1999	1999	NUM
fsr-3444	587	6	)	)	PUNCT
fsr-3444	587	7	and	and	CCONJ
fsr-3444	587	8	zhu	zhu	PROPN
fsr-3444	587	9	(	(	PUNCT
fsr-3444	587	10	2011	2011	NUM
fsr-3444	587	11	)	)	PUNCT
fsr-3444	587	12	find	find	VERB
fsr-3444	587	13	that	that	SCONJ
fsr-3444	587	14	homeownership	homeownership	NOUN
fsr-3444	587	15	impacts	impact	VERB
fsr-3444	587	16	the	the	DET
fsr-3444	587	17	decision	decision	NOUN
fsr-3444	587	18	to	to	PART
fsr-3444	587	19	file	file	VERB
fsr-3444	587	20	for	for	ADP
fsr-3444	587	21	bankruptcy	bankruptcy	NOUN
fsr-3444	587	22	.	.	PUNCT
fsr-3444	588	1	for	for	ADP
fsr-3444	588	2	racial	racial	ADJ
fsr-3444	588	3	groups	group	NOUN
fsr-3444	588	4	,	,	PUNCT
fsr-3444	588	5	blacks	black	NOUN
fsr-3444	588	6	are	be	AUX
fsr-3444	588	7	twice	twice	ADV
fsr-3444	588	8	as	as	ADV
fsr-3444	588	9	likely	likely	ADJ
fsr-3444	588	10	to	to	PART
fsr-3444	588	11	file	file	VERB
fsr-3444	588	12	for	for	ADP
fsr-3444	588	13	bankruptcy	bankruptcy	NOUN
fsr-3444	588	14	than	than	ADP
fsr-3444	588	15	whites	white	NOUN
fsr-3444	588	16	.	.	PUNCT
fsr-3444	589	1	this	this	PRON
fsr-3444	589	2	is	be	AUX
fsr-3444	589	3	a	a	DET
fsr-3444	589	4	highly	highly	ADV
fsr-3444	589	5	significant	significant	ADJ
fsr-3444	589	6	result	result	NOUN
fsr-3444	589	7	.	.	PUNCT
fsr-3444	590	1	fisher	fisher	PROPN
fsr-3444	590	2	(	(	PUNCT
fsr-3444	590	3	2019	2019	NUM
fsr-3444	590	4	)	)	PUNCT
fsr-3444	590	5	finds	find	VERB
fsr-3444	590	6	that	that	SCONJ
fsr-3444	590	7	blacks	black	NOUN
fsr-3444	590	8	and	and	CCONJ
fsr-3444	590	9	other	other	ADJ
fsr-3444	590	10	minority	minority	NOUN
fsr-3444	590	11	groups	group	NOUN
fsr-3444	590	12	are	be	AUX
fsr-3444	590	13	more	more	ADV
fsr-3444	590	14	likely	likely	ADJ
fsr-3444	590	15	to	to	PART
fsr-3444	590	16	file	file	VERB
fsr-3444	590	17	for	for	ADP
fsr-3444	590	18	bankruptcy	bankruptcy	NOUN
fsr-3444	590	19	.	.	PUNCT
fsr-3444	591	1	for	for	ADP
fsr-3444	591	2	parents	parent	NOUN
fsr-3444	591	3	’	'	PUNCT
fsr-3444	591	4	income	income	NOUN
fsr-3444	591	5	,	,	PUNCT
fsr-3444	591	6	an	an	DET
fsr-3444	591	7	increase	increase	NOUN
fsr-3444	591	8	in	in	ADP
fsr-3444	591	9	the	the	DET
fsr-3444	591	10	parents	parent	NOUN
fsr-3444	591	11	’	’	PART
fsr-3444	591	12	income	income	NOUN
fsr-3444	591	13	reduces	reduce	VERB
fsr-3444	591	14	the	the	DET
fsr-3444	591	15	likelihood	likelihood	NOUN
fsr-3444	591	16	of	of	ADP
fsr-3444	591	17	the	the	DET
fsr-3444	591	18	son	son	NOUN
fsr-3444	591	19	or	or	CCONJ
fsr-3444	591	20	daughter	daughter	NOUN
fsr-3444	591	21	to	to	PART
fsr-3444	591	22	file	file	VERB
fsr-3444	591	23	for	for	ADP
fsr-3444	591	24	bankruptcy	bankruptcy	NOUN
fsr-3444	591	25	.	.	PUNCT
fsr-3444	592	1	we	we	PRON
fsr-3444	592	2	have	have	AUX
fsr-3444	592	3	not	not	PART
fsr-3444	592	4	seen	see	VERB
fsr-3444	592	5	this	this	DET
fsr-3444	592	6	result	result	NOUN
fsr-3444	592	7	in	in	ADP
fsr-3444	592	8	the	the	DET
fsr-3444	592	9	literature	literature	NOUN
fsr-3444	592	10	.	.	PUNCT
fsr-3444	593	1	there	there	PRON
fsr-3444	593	2	is	be	VERB
fsr-3444	593	3	a	a	DET
fsr-3444	593	4	high	high	ADJ
fsr-3444	593	5	correlation	correlation	NOUN
fsr-3444	593	6	between	between	ADP
fsr-3444	593	7	a	a	DET
fsr-3444	593	8	parent	parent	NOUN
fsr-3444	593	9	’s	’s	PART
fsr-3444	593	10	income	income	NOUN
fsr-3444	593	11	and	and	CCONJ
fsr-3444	593	12	education	education	NOUN
fsr-3444	593	13	.	.	PUNCT
fsr-3444	594	1	these	these	DET
fsr-3444	594	2	two	two	NUM
fsr-3444	594	3	factors	factor	NOUN
fsr-3444	594	4	show	show	VERB
fsr-3444	594	5	an	an	DET
fsr-3444	594	6	intergenerational	intergenerational	ADJ
fsr-3444	594	7	positive	positive	ADJ
fsr-3444	594	8	financial	financial	ADJ
fsr-3444	594	9	effect	effect	NOUN
fsr-3444	594	10	of	of	ADP
fsr-3444	594	11	reducing	reduce	VERB
fsr-3444	594	12	the	the	DET
fsr-3444	594	13	odds	odd	NOUN
fsr-3444	594	14	of	of	ADP
fsr-3444	594	15	filing	filing	NOUN
fsr-3444	594	16	for	for	ADP
fsr-3444	594	17	chapter	chapter	NOUN
fsr-3444	594	18	13	13	NUM
fsr-3444	594	19	bankruptcy	bankruptcy	NOUN
fsr-3444	594	20	by	by	ADP
fsr-3444	594	21	a	a	DET
fsr-3444	594	22	son	son	NOUN
fsr-3444	594	23	or	or	CCONJ
fsr-3444	594	24	daughter	daughter	NOUN
fsr-3444	594	25	.	.	PUNCT
fsr-3444	595	1	for	for	ADP
fsr-3444	595	2	marital	marital	ADJ
fsr-3444	595	3	status	status	NOUN
fsr-3444	595	4	,	,	PUNCT
fsr-3444	595	5	singles	single	NOUN
fsr-3444	595	6	are	be	AUX
fsr-3444	595	7	significantly	significantly	ADV
fsr-3444	595	8	less	less	ADV
fsr-3444	595	9	likely	likely	ADJ
fsr-3444	595	10	to	to	PART
fsr-3444	595	11	be	be	AUX
fsr-3444	595	12	filers	filer	NOUN
fsr-3444	595	13	than	than	ADP
fsr-3444	595	14	married	married	ADJ
fsr-3444	595	15	people	people	NOUN
fsr-3444	595	16	.	.	PUNCT
fsr-3444	596	1	this	this	PRON
fsr-3444	596	2	is	be	AUX
fsr-3444	596	3	a	a	DET
fsr-3444	596	4	reasonable	reasonable	ADJ
fsr-3444	596	5	result	result	NOUN
fsr-3444	596	6	as	as	SCONJ
fsr-3444	596	7	married	married	ADJ
fsr-3444	596	8	people	people	NOUN
fsr-3444	596	9	generally	generally	ADV
fsr-3444	596	10	have	have	VERB
fsr-3444	596	11	more	more	ADJ
fsr-3444	596	12	debt	debt	NOUN
fsr-3444	596	13	(	(	PUNCT
fsr-3444	596	14	including	include	VERB
fsr-3444	596	15	a	a	DET
fsr-3444	596	16	mortgage	mortgage	NOUN
fsr-3444	596	17	)	)	PUNCT
fsr-3444	596	18	,	,	PUNCT
fsr-3444	596	19	more	more	ADJ
fsr-3444	596	20	children	child	NOUN
fsr-3444	596	21	,	,	PUNCT
fsr-3444	596	22	and	and	CCONJ
fsr-3444	596	23	more	more	ADJ
fsr-3444	596	24	children	child	NOUN
fsr-3444	596	25	living	live	VERB
fsr-3444	596	26	at	at	ADP
fsr-3444	596	27	home	home	NOUN
fsr-3444	596	28	.	.	PUNCT
fsr-3444	597	1	caputo	caputo	PROPN
fsr-3444	597	2	(	(	PUNCT
fsr-3444	597	3	2008	2008	NUM
fsr-3444	597	4	)	)	PUNCT
fsr-3444	597	5	finds	find	VERB
fsr-3444	597	6	that	that	SCONJ
fsr-3444	597	7	single	single	ADJ
fsr-3444	597	8	people	people	NOUN
fsr-3444	597	9	,	,	PUNCT
fsr-3444	597	10	at	at	ADP
fsr-3444	597	11	the	the	DET
fsr-3444	597	12	time	time	NOUN
fsr-3444	597	13	of	of	ADP
fsr-3444	597	14	declared	declare	VERB
fsr-3444	597	15	bankruptcy	bankruptcy	NOUN
fsr-3444	597	16	,	,	PUNCT
fsr-3444	597	17	are	be	AUX
fsr-3444	597	18	less	less	ADV
fsr-3444	597	19	likely	likely	ADJ
fsr-3444	597	20	than	than	ADP
fsr-3444	597	21	married	married	ADJ
fsr-3444	597	22	persons	person	NOUN
fsr-3444	597	23	to	to	PART
fsr-3444	597	24	declare	declare	VERB
fsr-3444	597	25	bankruptcy	bankruptcy	NOUN
fsr-3444	597	26	.	.	PUNCT
fsr-3444	598	1	we	we	PRON
fsr-3444	598	2	find	find	VERB
fsr-3444	598	3	than	than	SCONJ
fsr-3444	598	4	an	an	DET
fsr-3444	598	5	increase	increase	NOUN
fsr-3444	598	6	in	in	ADP
fsr-3444	598	7	religious	religious	ADJ
fsr-3444	598	8	commitment	commitment	NOUN
fsr-3444	598	9	reduces	reduce	VERB
fsr-3444	598	10	the	the	DET
fsr-3444	598	11	likelihood	likelihood	NOUN
fsr-3444	598	12	of	of	ADP
fsr-3444	598	13	filing	filing	NOUN
fsr-3444	598	14	for	for	ADP
fsr-3444	598	15	bankruptcy	bankruptcy	NOUN
fsr-3444	598	16	.	.	PUNCT
fsr-3444	599	1	increased	increase	VERB
fsr-3444	599	2	religious	religious	ADJ
fsr-3444	599	3	commitment	commitment	NOUN
fsr-3444	599	4	can	can	AUX
fsr-3444	599	5	instill	instill	VERB
fsr-3444	599	6	principles	principle	NOUN
fsr-3444	599	7	of	of	ADP
fsr-3444	599	8	discipline	discipline	NOUN
fsr-3444	599	9	,	,	PUNCT
fsr-3444	599	10	moderation	moderation	NOUN
fsr-3444	599	11	and	and	CCONJ
fsr-3444	599	12	caring	caring	NOUN
fsr-3444	599	13	,	,	PUNCT
fsr-3444	599	14	which	which	PRON
fsr-3444	599	15	can	can	AUX
fsr-3444	599	16	lead	lead	VERB
fsr-3444	599	17	to	to	ADP
fsr-3444	599	18	better	well	ADJ
fsr-3444	599	19	money	money	NOUN
fsr-3444	599	20	management	management	NOUN
fsr-3444	599	21	and	and	CCONJ
fsr-3444	599	22	less	less	ADJ
fsr-3444	599	23	filing	filing	NOUN
fsr-3444	599	24	for	for	ADP
fsr-3444	599	25	bankruptcy	bankruptcy	NOUN
fsr-3444	599	26	.	.	PUNCT
fsr-3444	600	1	nondenominational	nondenominational	ADJ
fsr-3444	600	2	and	and	CCONJ
fsr-3444	600	3	protestant	protestant	ADJ
fsr-3444	600	4	faiths	faith	NOUN
fsr-3444	600	5	are	be	AUX
fsr-3444	600	6	less	less	ADV
fsr-3444	600	7	likely	likely	ADJ
fsr-3444	600	8	to	to	PART
fsr-3444	600	9	file	file	VERB
fsr-3444	600	10	for	for	ADP
fsr-3444	600	11	bankruptcy	bankruptcy	NOUN
fsr-3444	600	12	than	than	ADP
fsr-3444	600	13	other	other	ADJ
fsr-3444	600	14	faiths	faith	NOUN
fsr-3444	600	15	.	.	PUNCT
fsr-3444	601	1	according	accord	VERB
fsr-3444	601	2	to	to	ADP
fsr-3444	601	3	the	the	DET
fsr-3444	601	4	economist	economist	NOUN
fsr-3444	601	5	(	(	PUNCT
fsr-3444	601	6	02/2018	02/2018	NOUN
fsr-3444	601	7	)	)	PUNCT
fsr-3444	601	8	,	,	PUNCT
fsr-3444	601	9	protestants	protestant	NOUN
fsr-3444	601	10	embrace	embrace	VERB
fsr-3444	601	11	the	the	DET
fsr-3444	601	12	notion	notion	NOUN
fsr-3444	601	13	that	that	SCONJ
fsr-3444	601	14	diligence	diligence	NOUN
fsr-3444	601	15	and	and	CCONJ
fsr-3444	601	16	self	self	NOUN
fsr-3444	601	17	-	-	PUNCT
fsr-3444	601	18	improvement	improvement	NOUN
fsr-3444	601	19	are	be	AUX
fsr-3444	601	20	pleasing	pleasing	ADJ
fsr-3444	601	21	to	to	ADP
fsr-3444	601	22	god	god	PROPN
fsr-3444	601	23	.	.	PUNCT
fsr-3444	602	1	they	they	PRON
fsr-3444	602	2	tend	tend	VERB
fsr-3444	602	3	to	to	PART
fsr-3444	602	4	be	be	AUX
fsr-3444	602	5	more	more	ADV
fsr-3444	602	6	disciplined	disciplined	ADJ
fsr-3444	602	7	with	with	ADP
fsr-3444	602	8	their	their	PRON
fsr-3444	602	9	money	money	NOUN
fsr-3444	602	10	management	management	NOUN
fsr-3444	602	11	,	,	PUNCT
fsr-3444	602	12	which	which	PRON
fsr-3444	602	13	leads	lead	VERB
fsr-3444	602	14	to	to	ADP
fsr-3444	602	15	less	less	ADJ
fsr-3444	602	16	filing	filing	NOUN
fsr-3444	602	17	for	for	ADP
fsr-3444	602	18	bankruptcy	bankruptcy	NOUN
fsr-3444	602	19	.	.	PUNCT
fsr-3444	603	1	this	this	PRON
fsr-3444	603	2	supports	support	VERB
fsr-3444	603	3	our	our	PRON
fsr-3444	603	4	finding	finding	NOUN
fsr-3444	603	5	that	that	SCONJ
fsr-3444	603	6	protestants	protestant	NOUN
fsr-3444	603	7	are	be	AUX
fsr-3444	603	8	less	less	ADV
fsr-3444	603	9	likely	likely	ADJ
fsr-3444	603	10	to	to	PART
fsr-3444	603	11	file	file	VERB
fsr-3444	603	12	for	for	ADP
fsr-3444	603	13	bankruptcy	bankruptcy	NOUN
fsr-3444	603	14	than	than	ADP
fsr-3444	603	15	other	other	ADJ
fsr-3444	603	16	faiths	faith	NOUN
fsr-3444	603	17	.	.	PUNCT
fsr-3444	604	1	khan	khan	PROPN
fsr-3444	604	2	(	(	PUNCT
fsr-3444	604	3	2010	2010	NUM
fsr-3444	604	4	)	)	PUNCT
fsr-3444	604	5	studies	study	NOUN
fsr-3444	604	6	faith	faith	NOUN
fsr-3444	604	7	and	and	CCONJ
fsr-3444	604	8	finance	finance	NOUN
fsr-3444	604	9	and	and	CCONJ
fsr-3444	604	10	finds	find	VERB
fsr-3444	604	11	that	that	SCONJ
fsr-3444	604	12	religion	religion	NOUN
fsr-3444	604	13	has	have	VERB
fsr-3444	604	14	a	a	DET
fsr-3444	604	15	strong	strong	ADJ
fsr-3444	604	16	impact	impact	NOUN
fsr-3444	604	17	on	on	ADP
fsr-3444	604	18	economic	economic	ADJ
fsr-3444	604	19	behavior	behavior	NOUN
fsr-3444	604	20	.	.	PUNCT
fsr-3444	605	1	beck	beck	PROPN
fsr-3444	605	2	et	et	PROPN
fsr-3444	605	3	al	al	PROPN
fsr-3444	605	4	.	.	PROPN
fsr-3444	606	1	(	(	PUNCT
fsr-3444	606	2	2014	2014	NUM
fsr-3444	606	3	)	)	PUNCT
fsr-3444	606	4	find	find	VERB
fsr-3444	606	5	that	that	SCONJ
fsr-3444	606	6	religion	religion	NOUN
fsr-3444	606	7	is	be	AUX
fsr-3444	606	8	a	a	DET
fsr-3444	606	9	driving	drive	VERB
fsr-3444	606	10	force	force	NOUN
fsr-3444	606	11	behind	behind	ADP
fsr-3444	606	12	the	the	DET
fsr-3444	606	13	abnormally	abnormally	ADV
fsr-3444	606	14	higher	high	ADJ
fsr-3444	606	15	chapter	chapter	NOUN
fsr-3444	606	16	13	13	NUM
fsr-3444	606	17	filings	filing	NOUN
fsr-3444	606	18	compared	compare	VERB
fsr-3444	606	19	with	with	ADP
fsr-3444	606	20	chapter	chapter	NOUN
fsr-3444	606	21	7	7	NUM
fsr-3444	606	22	filings	filing	NOUN
fsr-3444	606	23	in	in	ADP
fsr-3444	606	24	the	the	DET
fsr-3444	606	25	southern	southern	ADJ
fsr-3444	606	26	united	united	PROPN
fsr-3444	606	27	states	states	PROPN
fsr-3444	606	28	.	.	PUNCT
fsr-3444	607	1	there	there	PRON
fsr-3444	607	2	is	be	VERB
fsr-3444	607	3	a	a	DET
fsr-3444	607	4	high	high	ADJ
fsr-3444	607	5	concentration	concentration	NOUN
fsr-3444	607	6	of	of	ADP
fsr-3444	607	7	evangelicals	evangelical	NOUN
fsr-3444	607	8	and	and	CCONJ
fsr-3444	607	9	fundamentalists	fundamentalist	NOUN
fsr-3444	607	10	in	in	ADP
fsr-3444	607	11	the	the	DET
fsr-3444	607	12	southern	southern	ADJ
fsr-3444	607	13	united	united	PROPN
fsr-3444	607	14	states	states	PROPN
fsr-3444	607	15	.	.	PUNCT
fsr-3444	608	1	people	people	NOUN
fsr-3444	608	2	of	of	ADP
fsr-3444	608	3	these	these	DET
fsr-3444	608	4	faiths	faith	NOUN
fsr-3444	608	5	prefer	prefer	VERB
fsr-3444	608	6	to	to	PART
fsr-3444	608	7	file	file	VERB
fsr-3444	608	8	for	for	ADP
fsr-3444	608	9	chapter	chapter	NOUN
fsr-3444	608	10	13	13	NUM
fsr-3444	608	11	bankruptcy	bankruptcy	NOUN
fsr-3444	608	12	because	because	SCONJ
fsr-3444	608	13	they	they	PRON
fsr-3444	608	14	feel	feel	VERB
fsr-3444	608	15	that	that	SCONJ
fsr-3444	608	16	it	it	PRON
fsr-3444	608	17	is	be	AUX
fsr-3444	608	18	their	their	PRON
fsr-3444	608	19	moral	moral	ADJ
fsr-3444	608	20	obligation	obligation	NOUN
fsr-3444	608	21	to	to	PART
fsr-3444	608	22	honor	honor	VERB
fsr-3444	608	23	their	their	PRON
fsr-3444	608	24	debt	debt	NOUN
fsr-3444	608	25	commitments	commitment	NOUN
fsr-3444	608	26	with	with	ADP
fsr-3444	608	27	a	a	DET
fsr-3444	608	28	new	new	ADJ
fsr-3444	608	29	repayment	repayment	NOUN
fsr-3444	608	30	plan	plan	NOUN
fsr-3444	608	31	rather	rather	ADV
fsr-3444	608	32	than	than	ADP
fsr-3444	608	33	to	to	PART
fsr-3444	608	34	pass	pass	VERB
fsr-3444	608	35	them	they	PRON
fsr-3444	608	36	on	on	ADP
fsr-3444	608	37	to	to	ADP
fsr-3444	608	38	creditors	creditor	NOUN
fsr-3444	608	39	and	and	CCONJ
fsr-3444	608	40	society	society	NOUN
fsr-3444	608	41	at	at	ADP
fsr-3444	608	42	large	large	ADJ
fsr-3444	608	43	.	.	PUNCT
fsr-3444	609	1	5.2	5.2	NUM
fsr-3444	609	2	.	.	PUNCT
fsr-3444	610	1	psychological	psychological	ADJ
fsr-3444	610	2	factors	factor	NOUN
fsr-3444	610	3	for	for	ADP
fsr-3444	610	4	self	self	NOUN
fsr-3444	610	5	-	-	PUNCT
fsr-3444	610	6	efficacy	efficacy	NOUN
fsr-3444	610	7	(	(	PUNCT
fsr-3444	610	8	belief	belief	NOUN
fsr-3444	610	9	that	that	SCONJ
fsr-3444	610	10	one	one	PRON
fsr-3444	610	11	can	can	AUX
fsr-3444	610	12	accomplish	accomplish	VERB
fsr-3444	610	13	a	a	DET
fsr-3444	610	14	goal	goal	NOUN
fsr-3444	610	15	)	)	PUNCT
fsr-3444	611	1	,	,	PUNCT
fsr-3444	611	2	we	we	PRON
fsr-3444	611	3	find	find	VERB
fsr-3444	611	4	that	that	SCONJ
fsr-3444	611	5	those	those	PRON
fsr-3444	611	6	with	with	ADP
fsr-3444	611	7	more	more	ADJ
fsr-3444	611	8	financial	financial	ADJ
fsr-3444	611	9	confidence	confidence	NOUN
fsr-3444	611	10	are	be	AUX
fsr-3444	611	11	less	less	ADV
fsr-3444	611	12	likely	likely	ADJ
fsr-3444	611	13	to	to	PART
fsr-3444	611	14	be	be	AUX
fsr-3444	611	15	filers	filer	NOUN
fsr-3444	611	16	.	.	PUNCT
fsr-3444	612	1	danes	dane	NOUN
fsr-3444	612	2	,	,	PUNCT
fsr-3444	612	3	casas	casas	PROPN
fsr-3444	612	4	and	and	CCONJ
fsr-3444	612	5	boyce	boyce	PROPN
fsr-3444	612	6	(	(	PUNCT
fsr-3444	612	7	1999	1999	NUM
fsr-3444	612	8	)	)	PUNCT
fsr-3444	612	9	and	and	CCONJ
fsr-3444	612	10	asaad	asaad	PROPN
fsr-3444	612	11	s.	s.	PROPN
fsr-3444	612	12	e.	e.	PROPN
fsr-3444	612	13	kehiaian	kehiaian	PROPN
fsr-3444	612	14	et	et	PROPN
fsr-3444	612	15	al	al	PROPN
fsr-3444	612	16	.	.	PUNCT
fsr-3444	612	17	/	/	SYM
fsr-3444	612	18	financial	financial	ADJ
fsr-3444	612	19	services	service	NOUN
fsr-3444	612	20	review	review	VERB
fsr-3444	612	21	29	29	NUM
fsr-3444	612	22	(	(	PUNCT
fsr-3444	612	23	2021	2021	NUM
fsr-3444	612	24	)	)	PUNCT
fsr-3444	612	25	67–84	67–84	NOUN
fsr-3444	612	26	81	81	NUM
fsr-3444	612	27	(	(	PUNCT
fsr-3444	612	28	2015	2015	NUM
fsr-3444	612	29	)	)	PUNCT
fsr-3444	612	30	find	find	VERB
fsr-3444	612	31	that	that	SCONJ
fsr-3444	612	32	financial	financial	ADJ
fsr-3444	612	33	confidence	confidence	NOUN
fsr-3444	612	34	is	be	AUX
fsr-3444	612	35	a	a	DET
fsr-3444	612	36	critical	critical	ADJ
fsr-3444	612	37	component	component	NOUN
fsr-3444	612	38	of	of	ADP
fsr-3444	612	39	financial	financial	ADJ
fsr-3444	612	40	behavior	behavior	NOUN
fsr-3444	612	41	.	.	PUNCT
fsr-3444	613	1	an	an	DET
fsr-3444	613	2	increase	increase	NOUN
fsr-3444	613	3	in	in	ADP
fsr-3444	613	4	financial	financial	ADJ
fsr-3444	613	5	confidence	confidence	NOUN
fsr-3444	613	6	is	be	AUX
fsr-3444	613	7	likely	likely	ADJ
fsr-3444	613	8	from	from	ADP
fsr-3444	613	9	more	more	ADJ
fsr-3444	613	10	financial	financial	ADJ
fsr-3444	613	11	literacy	literacy	NOUN
fsr-3444	613	12	education	education	NOUN
fsr-3444	613	13	.	.	PUNCT
fsr-3444	614	1	this	this	PRON
fsr-3444	614	2	will	will	AUX
fsr-3444	614	3	likely	likely	ADV
fsr-3444	614	4	lead	lead	VERB
fsr-3444	614	5	to	to	ADP
fsr-3444	614	6	fewer	few	ADJ
fsr-3444	614	7	personal	personal	ADJ
fsr-3444	614	8	bankruptcies	bankruptcy	NOUN
fsr-3444	614	9	.	.	PUNCT
fsr-3444	615	1	for	for	ADP
fsr-3444	615	2	locus	locus	NOUN
fsr-3444	615	3	of	of	ADP
fsr-3444	615	4	control	control	NOUN
fsr-3444	615	5	,	,	PUNCT
fsr-3444	615	6	an	an	DET
fsr-3444	615	7	increase	increase	NOUN
fsr-3444	615	8	in	in	ADP
fsr-3444	615	9	negative	negative	ADJ
fsr-3444	615	10	experiences	experience	NOUN
fsr-3444	615	11	with	with	ADP
fsr-3444	615	12	household	household	NOUN
fsr-3444	615	13	finances	finance	NOUN
fsr-3444	615	14	increases	increase	VERB
fsr-3444	615	15	the	the	DET
fsr-3444	615	16	odds	odd	NOUN
fsr-3444	615	17	of	of	ADP
fsr-3444	615	18	filing	filing	NOUN
fsr-3444	615	19	for	for	ADP
fsr-3444	615	20	bankruptcy	bankruptcy	NOUN
fsr-3444	615	21	.	.	PUNCT
fsr-3444	616	1	perry	perry	PROPN
fsr-3444	616	2	and	and	CCONJ
fsr-3444	616	3	morris	morris	PROPN
fsr-3444	616	4	(	(	PUNCT
fsr-3444	616	5	2005	2005	NUM
fsr-3444	616	6	)	)	PUNCT
fsr-3444	616	7	and	and	CCONJ
fsr-3444	616	8	miotto	miotto	NOUN
fsr-3444	616	9	and	and	CCONJ
fsr-3444	616	10	parente	parente	PROPN
fsr-3444	616	11	(	(	PUNCT
fsr-3444	616	12	2015	2015	NUM
fsr-3444	616	13	)	)	PUNCT
fsr-3444	616	14	also	also	ADV
fsr-3444	616	15	find	find	VERB
fsr-3444	616	16	that	that	SCONJ
fsr-3444	616	17	locus	locus	NOUN
fsr-3444	616	18	of	of	ADP
fsr-3444	616	19	control	control	NOUN
fsr-3444	616	20	impacts	impact	VERB
fsr-3444	616	21	financial	financial	ADJ
fsr-3444	616	22	decisions	decision	NOUN
fsr-3444	616	23	.	.	PUNCT
fsr-3444	617	1	our	our	PRON
fsr-3444	617	2	study	study	NOUN
fsr-3444	617	3	takes	take	VERB
fsr-3444	617	4	it	it	PRON
fsr-3444	617	5	further	far	ADV
fsr-3444	617	6	by	by	ADP
fsr-3444	617	7	showing	show	VERB
fsr-3444	617	8	the	the	DET
fsr-3444	617	9	relationship	relationship	NOUN
fsr-3444	617	10	between	between	ADP
fsr-3444	617	11	locus	locus	NOUN
fsr-3444	617	12	of	of	ADP
fsr-3444	617	13	control	control	NOUN
fsr-3444	617	14	and	and	CCONJ
fsr-3444	617	15	the	the	DET
fsr-3444	617	16	financial	financial	ADJ
fsr-3444	617	17	decision	decision	NOUN
fsr-3444	617	18	of	of	ADP
fsr-3444	617	19	filing	filing	NOUN
fsr-3444	617	20	for	for	ADP
fsr-3444	617	21	bankruptcy	bankruptcy	NOUN
fsr-3444	617	22	.	.	PUNCT
fsr-3444	618	1	for	for	ADP
fsr-3444	618	2	self	self	NOUN
fsr-3444	618	3	-	-	PUNCT
fsr-3444	618	4	control	control	NOUN
fsr-3444	618	5	,	,	PUNCT
fsr-3444	618	6	we	we	PRON
fsr-3444	618	7	find	find	VERB
fsr-3444	618	8	that	that	SCONJ
fsr-3444	618	9	an	an	DET
fsr-3444	618	10	increase	increase	NOUN
fsr-3444	618	11	in	in	ADP
fsr-3444	618	12	the	the	DET
fsr-3444	618	13	importance	importance	NOUN
fsr-3444	618	14	of	of	ADP
fsr-3444	618	15	immediate	immediate	ADJ
fsr-3444	618	16	gratification	gratification	NOUN
fsr-3444	618	17	(	(	PUNCT
fsr-3444	618	18	implying	imply	VERB
fsr-3444	618	19	less	less	ADJ
fsr-3444	618	20	self	self	NOUN
fsr-3444	618	21	-	-	PUNCT
fsr-3444	618	22	control	control	NOUN
fsr-3444	618	23	)	)	PUNCT
fsr-3444	618	24	increases	increase	VERB
fsr-3444	618	25	the	the	DET
fsr-3444	618	26	odds	odd	NOUN
fsr-3444	618	27	of	of	ADP
fsr-3444	618	28	filing	filing	NOUN
fsr-3444	618	29	for	for	ADP
fsr-3444	618	30	bankruptcy	bankruptcy	NOUN
fsr-3444	618	31	.	.	PUNCT
fsr-3444	619	1	this	this	DET
fsr-3444	619	2	result	result	NOUN
fsr-3444	619	3	is	be	AUX
fsr-3444	619	4	not	not	PART
fsr-3444	619	5	seen	see	VERB
fsr-3444	619	6	in	in	ADP
fsr-3444	619	7	the	the	DET
fsr-3444	619	8	literature	literature	NOUN
fsr-3444	619	9	.	.	PUNCT
fsr-3444	620	1	miotto	miotto	PROPN
fsr-3444	620	2	and	and	CCONJ
fsr-3444	620	3	parente	parente	PROPN
fsr-3444	620	4	(	(	PUNCT
fsr-3444	620	5	2015	2015	NUM
fsr-3444	620	6	)	)	PUNCT
fsr-3444	620	7	find	find	VERB
fsr-3444	620	8	that	that	SCONJ
fsr-3444	620	9	more	more	ADJ
fsr-3444	620	10	self	self	NOUN
fsr-3444	620	11	-	-	PUNCT
fsr-3444	620	12	control	control	NOUN
fsr-3444	620	13	does	do	AUX
fsr-3444	620	14	lead	lead	VERB
fsr-3444	620	15	to	to	ADP
fsr-3444	620	16	more	more	ADJ
fsr-3444	620	17	savings	saving	NOUN
fsr-3444	620	18	and	and	CCONJ
fsr-3444	620	19	less	less	ADJ
fsr-3444	620	20	financial	financial	ADJ
fsr-3444	620	21	defaults	default	NOUN
fsr-3444	620	22	.	.	PUNCT
fsr-3444	621	1	this	this	PRON
fsr-3444	621	2	is	be	AUX
fsr-3444	621	3	a	a	DET
fsr-3444	621	4	reasonable	reasonable	ADJ
fsr-3444	621	5	result	result	NOUN
fsr-3444	621	6	as	as	SCONJ
fsr-3444	621	7	a	a	DET
fsr-3444	621	8	person	person	NOUN
fsr-3444	621	9	with	with	ADP
fsr-3444	621	10	high	high	ADJ
fsr-3444	621	11	immediate	immediate	ADJ
fsr-3444	621	12	gratification	gratification	NOUN
fsr-3444	621	13	needs	need	NOUN
fsr-3444	621	14	will	will	AUX
fsr-3444	621	15	spend	spend	VERB
fsr-3444	621	16	more	more	ADJ
fsr-3444	621	17	on	on	ADP
fsr-3444	621	18	satisfying	satisfy	VERB
fsr-3444	621	19	these	these	DET
fsr-3444	621	20	needs	need	NOUN
fsr-3444	621	21	and	and	CCONJ
fsr-3444	621	22	pay	pay	VERB
fsr-3444	621	23	less	less	ADJ
fsr-3444	621	24	attention	attention	NOUN
fsr-3444	621	25	to	to	ADP
fsr-3444	621	26	good	good	ADJ
fsr-3444	621	27	budgeting	budgeting	NOUN
fsr-3444	621	28	practices	practice	NOUN
fsr-3444	621	29	and	and	CCONJ
fsr-3444	621	30	future	future	ADJ
fsr-3444	621	31	needs	need	NOUN
fsr-3444	621	32	.	.	PUNCT
fsr-3444	622	1	5.3	5.3	NUM
fsr-3444	622	2	.	.	PUNCT
fsr-3444	623	1	financial	financial	ADJ
fsr-3444	623	2	factors	factor	NOUN
fsr-3444	623	3	we	we	PRON
fsr-3444	623	4	find	find	VERB
fsr-3444	623	5	that	that	SCONJ
fsr-3444	623	6	financial	financial	ADJ
fsr-3444	623	7	training	training	NOUN
fsr-3444	623	8	reduces	reduce	VERB
fsr-3444	623	9	the	the	DET
fsr-3444	623	10	likelihood	likelihood	NOUN
fsr-3444	623	11	of	of	ADP
fsr-3444	623	12	filing	filing	NOUN
fsr-3444	623	13	for	for	ADP
fsr-3444	623	14	bankruptcy	bankruptcy	NOUN
fsr-3444	623	15	by	by	ADP
fsr-3444	623	16	about	about	ADV
fsr-3444	623	17	50	50	NUM
fsr-3444	623	18	%	%	NOUN
fsr-3444	623	19	.	.	PUNCT
fsr-3444	624	1	this	this	DET
fsr-3444	624	2	result	result	NOUN
fsr-3444	624	3	shows	show	VERB
fsr-3444	624	4	the	the	DET
fsr-3444	624	5	importance	importance	NOUN
fsr-3444	624	6	of	of	ADP
fsr-3444	624	7	financial	financial	ADJ
fsr-3444	624	8	training	training	NOUN
fsr-3444	624	9	to	to	PART
fsr-3444	624	10	reduce	reduce	VERB
fsr-3444	624	11	chapter	chapter	NOUN
fsr-3444	624	12	13	13	NUM
fsr-3444	624	13	bankruptcy	bankruptcy	NOUN
fsr-3444	624	14	filing	filing	NOUN
fsr-3444	624	15	.	.	PUNCT
fsr-3444	625	1	again	again	ADV
fsr-3444	625	2	,	,	PUNCT
fsr-3444	625	3	we	we	PRON
fsr-3444	625	4	have	have	AUX
fsr-3444	625	5	not	not	PART
fsr-3444	625	6	seen	see	VERB
fsr-3444	625	7	this	this	DET
fsr-3444	625	8	result	result	NOUN
fsr-3444	625	9	in	in	ADP
fsr-3444	625	10	the	the	DET
fsr-3444	625	11	bankruptcy	bankruptcy	NOUN
fsr-3444	625	12	filings	filing	NOUN
fsr-3444	625	13	literature	literature	NOUN
fsr-3444	625	14	.	.	PUNCT
fsr-3444	626	1	collins	collins	PROPN
fsr-3444	626	2	(	(	PUNCT
fsr-3444	626	3	2010	2010	NUM
fsr-3444	626	4	)	)	PUNCT
fsr-3444	626	5	study	study	VERB
fsr-3444	626	6	financial	financial	ADJ
fsr-3444	626	7	literacy	literacy	NOUN
fsr-3444	626	8	of	of	ADP
fsr-3444	626	9	lower	low	ADJ
fsr-3444	626	10	income	income	NOUN
fsr-3444	626	11	families	family	NOUN
fsr-3444	626	12	and	and	CCONJ
fsr-3444	626	13	find	find	VERB
fsr-3444	626	14	that	that	SCONJ
fsr-3444	626	15	financial	financial	ADJ
fsr-3444	626	16	education	education	NOUN
fsr-3444	626	17	increases	increase	VERB
fsr-3444	626	18	long	long	ADJ
fsr-3444	626	19	-	-	PUNCT
fsr-3444	626	20	term	term	NOUN
fsr-3444	626	21	savings	saving	NOUN
fsr-3444	626	22	and	and	CCONJ
fsr-3444	626	23	long	long	ADJ
fsr-3444	626	24	-	-	PUNCT
fsr-3444	626	25	term	term	NOUN
fsr-3444	626	26	credit	credit	NOUN
fsr-3444	626	27	scores	score	NOUN
fsr-3444	626	28	.	.	PUNCT
fsr-3444	627	1	our	our	PRON
fsr-3444	627	2	results	result	NOUN
fsr-3444	627	3	show	show	VERB
fsr-3444	627	4	the	the	DET
fsr-3444	627	5	importance	importance	NOUN
fsr-3444	627	6	of	of	ADP
fsr-3444	627	7	financial	financial	ADJ
fsr-3444	627	8	literacy	literacy	NOUN
fsr-3444	627	9	to	to	PART
fsr-3444	627	10	address	address	VERB
fsr-3444	627	11	the	the	DET
fsr-3444	627	12	bankruptcy	bankruptcy	NOUN
fsr-3444	627	13	problem	problem	NOUN
fsr-3444	627	14	in	in	ADP
fsr-3444	627	15	the	the	DET
fsr-3444	627	16	united	united	PROPN
fsr-3444	627	17	states	states	PROPN
fsr-3444	627	18	.	.	PUNCT
fsr-3444	628	1	6	6	X
fsr-3444	628	2	.	.	X
fsr-3444	628	3	conclusion	conclusion	NOUN
fsr-3444	628	4	filing	file	VERB
fsr-3444	628	5	for	for	ADP
fsr-3444	628	6	bankruptcy	bankruptcy	NOUN
fsr-3444	628	7	is	be	AUX
fsr-3444	628	8	not	not	PART
fsr-3444	628	9	an	an	DET
fsr-3444	628	10	easy	easy	ADJ
fsr-3444	628	11	decision	decision	NOUN
fsr-3444	628	12	,	,	PUNCT
fsr-3444	628	13	yet	yet	ADV
fsr-3444	628	14	thousands	thousand	NOUN
fsr-3444	628	15	file	file	VERB
fsr-3444	628	16	each	each	DET
fsr-3444	628	17	year	year	NOUN
fsr-3444	628	18	to	to	PART
fsr-3444	628	19	reduce	reduce	VERB
fsr-3444	628	20	the	the	DET
fsr-3444	628	21	debt	debt	NOUN
fsr-3444	628	22	pressure	pressure	NOUN
fsr-3444	628	23	in	in	ADP
fsr-3444	628	24	their	their	PRON
fsr-3444	628	25	lives	life	NOUN
fsr-3444	628	26	.	.	PUNCT
fsr-3444	629	1	we	we	PRON
fsr-3444	629	2	find	find	VERB
fsr-3444	629	3	several	several	ADJ
fsr-3444	629	4	demographic	demographic	ADJ
fsr-3444	629	5	,	,	PUNCT
fsr-3444	629	6	psychological	psychological	ADJ
fsr-3444	629	7	and	and	CCONJ
fsr-3444	629	8	financial	financial	ADJ
fsr-3444	629	9	differences	difference	NOUN
fsr-3444	629	10	between	between	ADP
fsr-3444	629	11	filers	filer	NOUN
fsr-3444	629	12	versus	versus	ADP
fsr-3444	629	13	non	non	ADJ
fsr-3444	629	14	-	-	NOUN
fsr-3444	629	15	filers	filer	NOUN
fsr-3444	629	16	of	of	ADP
fsr-3444	629	17	chapter	chapter	NOUN
fsr-3444	629	18	13	13	NUM
fsr-3444	629	19	bankruptcy	bankruptcy	NOUN
fsr-3444	629	20	.	.	PUNCT
fsr-3444	630	1	the	the	DET
fsr-3444	630	2	significant	significant	ADJ
fsr-3444	630	3	demographic	demographic	ADJ
fsr-3444	630	4	variables	variable	NOUN
fsr-3444	630	5	are	be	AUX
fsr-3444	630	6	gender	gender	NOUN
fsr-3444	630	7	,	,	PUNCT
fsr-3444	630	8	education	education	NOUN
fsr-3444	630	9	,	,	PUNCT
fsr-3444	630	10	religious	religious	ADJ
fsr-3444	630	11	faiths	faith	NOUN
fsr-3444	630	12	,	,	PUNCT
fsr-3444	630	13	religious	religious	ADJ
fsr-3444	630	14	commitment	commitment	NOUN
fsr-3444	630	15	,	,	PUNCT
fsr-3444	630	16	blacks	black	NOUN
fsr-3444	630	17	,	,	PUNCT
fsr-3444	630	18	homeownership	homeownership	NOUN
fsr-3444	630	19	,	,	PUNCT
fsr-3444	630	20	parent	parent	NOUN
fsr-3444	630	21	’s	’s	PART
fsr-3444	630	22	income	income	NOUN
fsr-3444	630	23	,	,	PUNCT
fsr-3444	630	24	and	and	CCONJ
fsr-3444	630	25	marital	marital	ADJ
fsr-3444	630	26	status	status	NOUN
fsr-3444	630	27	.	.	PUNCT
fsr-3444	631	1	the	the	DET
fsr-3444	631	2	significant	significant	ADJ
fsr-3444	631	3	psychological	psychological	ADJ
fsr-3444	631	4	variables	variable	NOUN
fsr-3444	631	5	are	be	AUX
fsr-3444	631	6	self	self	NOUN
fsr-3444	631	7	-	-	PUNCT
fsr-3444	631	8	efficacy	efficacy	NOUN
fsr-3444	631	9	,	,	PUNCT
fsr-3444	631	10	locus	locus	NOUN
fsr-3444	631	11	of	of	ADP
fsr-3444	631	12	control	control	NOUN
fsr-3444	631	13	,	,	PUNCT
fsr-3444	631	14	and	and	CCONJ
fsr-3444	631	15	self	self	NOUN
fsr-3444	631	16	-	-	PUNCT
fsr-3444	631	17	control	control	NOUN
fsr-3444	631	18	.	.	PUNCT
fsr-3444	632	1	the	the	DET
fsr-3444	632	2	significant	significant	ADJ
fsr-3444	632	3	financial	financial	ADJ
fsr-3444	632	4	variable	variable	NOUN
fsr-3444	632	5	is	be	AUX
fsr-3444	632	6	financial	financial	ADJ
fsr-3444	632	7	training	training	NOUN
fsr-3444	632	8	.	.	PUNCT
fsr-3444	633	1	the	the	DET
fsr-3444	633	2	variables	variable	NOUN
fsr-3444	633	3	not	not	PART
fsr-3444	633	4	seen	see	VERB
fsr-3444	633	5	in	in	ADP
fsr-3444	633	6	the	the	DET
fsr-3444	633	7	literature	literature	NOUN
fsr-3444	633	8	are	be	AUX
fsr-3444	633	9	the	the	DET
fsr-3444	633	10	demographic	demographic	ADJ
fsr-3444	633	11	variable	variable	NOUN
fsr-3444	633	12	,	,	PUNCT
fsr-3444	633	13	parents	parent	NOUN
fsr-3444	633	14	’	'	PUNCT
fsr-3444	633	15	income	income	NOUN
fsr-3444	633	16	,	,	PUNCT
fsr-3444	633	17	the	the	DET
fsr-3444	633	18	psychological	psychological	ADJ
fsr-3444	633	19	variables	variable	NOUN
fsr-3444	633	20	,	,	PUNCT
fsr-3444	633	21	self	self	NOUN
fsr-3444	633	22	-	-	PUNCT
fsr-3444	633	23	efficacy	efficacy	NOUN
fsr-3444	633	24	,	,	PUNCT
fsr-3444	633	25	locus	locus	NOUN
fsr-3444	633	26	of	of	ADP
fsr-3444	633	27	control	control	NOUN
fsr-3444	633	28	and	and	CCONJ
fsr-3444	633	29	self	self	NOUN
fsr-3444	633	30	-	-	PUNCT
fsr-3444	633	31	control	control	NOUN
fsr-3444	633	32	,	,	PUNCT
fsr-3444	633	33	and	and	CCONJ
fsr-3444	633	34	the	the	DET
fsr-3444	633	35	financial	financial	ADJ
fsr-3444	633	36	variable	variable	NOUN
fsr-3444	633	37	,	,	PUNCT
fsr-3444	633	38	financial	financial	ADJ
fsr-3444	633	39	training	training	NOUN
fsr-3444	633	40	.	.	PUNCT
fsr-3444	634	1	there	there	PRON
fsr-3444	634	2	are	be	VERB
fsr-3444	634	3	several	several	ADJ
fsr-3444	634	4	implications	implication	NOUN
fsr-3444	634	5	from	from	ADP
fsr-3444	634	6	this	this	DET
fsr-3444	634	7	study	study	NOUN
fsr-3444	634	8	.	.	PUNCT
fsr-3444	635	1	we	we	PRON
fsr-3444	635	2	find	find	VERB
fsr-3444	635	3	a	a	DET
fsr-3444	635	4	negative	negative	ADJ
fsr-3444	635	5	relationship	relationship	NOUN
fsr-3444	635	6	between	between	ADP
fsr-3444	635	7	financial	financial	ADJ
fsr-3444	635	8	literacy	literacy	NOUN
fsr-3444	635	9	and	and	CCONJ
fsr-3444	635	10	filing	filing	NOUN
fsr-3444	635	11	for	for	ADP
fsr-3444	635	12	bankruptcy	bankruptcy	NOUN
fsr-3444	635	13	.	.	PUNCT
fsr-3444	636	1	this	this	PRON
fsr-3444	636	2	implies	imply	VERB
fsr-3444	636	3	that	that	SCONJ
fsr-3444	636	4	an	an	DET
fsr-3444	636	5	increase	increase	NOUN
fsr-3444	636	6	in	in	ADP
fsr-3444	636	7	financial	financial	ADJ
fsr-3444	636	8	literacy	literacy	NOUN
fsr-3444	636	9	is	be	AUX
fsr-3444	636	10	likely	likely	ADJ
fsr-3444	636	11	to	to	PART
fsr-3444	636	12	reduce	reduce	VERB
fsr-3444	636	13	personal	personal	ADJ
fsr-3444	636	14	bankruptcy	bankruptcy	NOUN
fsr-3444	636	15	.	.	PUNCT
fsr-3444	637	1	we	we	PRON
fsr-3444	637	2	recommend	recommend	VERB
fsr-3444	637	3	that	that	DET
fsr-3444	637	4	government	government	NOUN
fsr-3444	637	5	(	(	PUNCT
fsr-3444	637	6	local	local	ADJ
fsr-3444	637	7	,	,	PUNCT
fsr-3444	637	8	state	state	NOUN
fsr-3444	637	9	,	,	PUNCT
fsr-3444	637	10	and	and	CCONJ
fsr-3444	637	11	federal	federal	ADJ
fsr-3444	637	12	)	)	PUNCT
fsr-3444	637	13	,	,	PUNCT
fsr-3444	637	14	educational	educational	ADJ
fsr-3444	637	15	institutions	institution	NOUN
fsr-3444	637	16	,	,	PUNCT
fsr-3444	637	17	and	and	CCONJ
fsr-3444	637	18	lending	lending	NOUN
fsr-3444	637	19	institutions	institution	NOUN
fsr-3444	637	20	,	,	PUNCT
fsr-3444	637	21	especially	especially	ADV
fsr-3444	637	22	for	for	ADP
fsr-3444	637	23	home	home	NOUN
fsr-3444	637	24	purchases	purchase	NOUN
fsr-3444	637	25	,	,	PUNCT
fsr-3444	637	26	provide	provide	VERB
fsr-3444	637	27	more	more	ADJ
fsr-3444	637	28	financial	financial	ADJ
fsr-3444	637	29	literacy	literacy	NOUN
fsr-3444	637	30	education	education	NOUN
fsr-3444	637	31	to	to	PART
fsr-3444	637	32	address	address	VERB
fsr-3444	637	33	the	the	DET
fsr-3444	637	34	personal	personal	ADJ
fsr-3444	637	35	bankruptcy	bankruptcy	NOUN
fsr-3444	637	36	situation	situation	NOUN
fsr-3444	637	37	in	in	ADP
fsr-3444	637	38	the	the	DET
fsr-3444	637	39	society	society	NOUN
fsr-3444	637	40	.	.	PUNCT
fsr-3444	638	1	ongoing	ongoing	ADJ
fsr-3444	638	2	financial	financial	ADJ
fsr-3444	638	3	literacy	literacy	NOUN
fsr-3444	638	4	education	education	NOUN
fsr-3444	638	5	,	,	PUNCT
fsr-3444	638	6	particularly	particularly	ADV
fsr-3444	638	7	for	for	ADP
fsr-3444	638	8	adults	adult	NOUN
fsr-3444	638	9	,	,	PUNCT
fsr-3444	638	10	may	may	AUX
fsr-3444	638	11	be	be	AUX
fsr-3444	638	12	more	more	ADV
fsr-3444	638	13	effective	effective	ADJ
fsr-3444	638	14	.	.	PUNCT
fsr-3444	639	1	we	we	PRON
fsr-3444	639	2	find	find	VERB
fsr-3444	639	3	that	that	SCONJ
fsr-3444	639	4	males	male	NOUN
fsr-3444	639	5	are	be	AUX
fsr-3444	639	6	twice	twice	ADV
fsr-3444	639	7	as	as	ADV
fsr-3444	639	8	likely	likely	ADJ
fsr-3444	639	9	as	as	SCONJ
fsr-3444	639	10	females	female	NOUN
fsr-3444	639	11	to	to	PART
fsr-3444	639	12	be	be	AUX
fsr-3444	639	13	filers	filer	NOUN
fsr-3444	639	14	.	.	PUNCT
fsr-3444	640	1	we	we	PRON
fsr-3444	640	2	recommend	recommend	VERB
fsr-3444	640	3	targeting	target	VERB
fsr-3444	640	4	more	more	ADJ
fsr-3444	640	5	males	male	NOUN
fsr-3444	640	6	with	with	ADP
fsr-3444	640	7	financial	financial	ADJ
fsr-3444	640	8	literacy	literacy	NOUN
fsr-3444	640	9	training	training	NOUN
fsr-3444	640	10	to	to	PART
fsr-3444	640	11	reduce	reduce	VERB
fsr-3444	640	12	bankruptcy	bankruptcy	NOUN
fsr-3444	640	13	.	.	PUNCT
fsr-3444	641	1	we	we	PRON
fsr-3444	641	2	find	find	VERB
fsr-3444	641	3	that	that	SCONJ
fsr-3444	641	4	blacks	black	NOUN
fsr-3444	641	5	are	be	AUX
fsr-3444	641	6	more	more	ADV
fsr-3444	641	7	likely	likely	ADJ
fsr-3444	641	8	to	to	PART
fsr-3444	641	9	be	be	AUX
fsr-3444	641	10	filers	filer	NOUN
fsr-3444	641	11	than	than	ADP
fsr-3444	641	12	whites	white	NOUN
fsr-3444	641	13	.	.	PUNCT
fsr-3444	642	1	we	we	PRON
fsr-3444	642	2	recommend	recommend	VERB
fsr-3444	642	3	that	that	SCONJ
fsr-3444	642	4	more	more	ADJ
fsr-3444	642	5	financial	financial	ADJ
fsr-3444	642	6	literacy	literacy	NOUN
fsr-3444	642	7	education	education	NOUN
fsr-3444	642	8	be	be	AUX
fsr-3444	642	9	offered	offer	VERB
fsr-3444	642	10	to	to	ADP
fsr-3444	642	11	82	82	NUM
fsr-3444	642	12	s.	s.	PROPN
fsr-3444	642	13	e.	e.	PROPN
fsr-3444	642	14	kehiaian	kehiaian	PROPN
fsr-3444	642	15	et	et	PROPN
fsr-3444	642	16	al	al	PROPN
fsr-3444	642	17	.	.	PUNCT
fsr-3444	642	18	/	/	SYM
fsr-3444	642	19	financial	financial	ADJ
fsr-3444	642	20	services	service	NOUN
fsr-3444	642	21	review	review	VERB
fsr-3444	642	22	29	29	NUM
fsr-3444	642	23	(	(	PUNCT
fsr-3444	642	24	2021	2021	NUM
fsr-3444	642	25	)	)	PUNCT
fsr-3444	642	26	67–84	67–84	NOUN
fsr-3444	642	27	blacks	black	NOUN
fsr-3444	642	28	to	to	PART
fsr-3444	642	29	reduce	reduce	VERB
fsr-3444	642	30	bankruptcy	bankruptcy	NOUN
fsr-3444	642	31	filings	filing	NOUN
fsr-3444	642	32	.	.	PUNCT
fsr-3444	643	1	we	we	PRON
fsr-3444	643	2	find	find	VERB
fsr-3444	643	3	that	that	SCONJ
fsr-3444	643	4	an	an	DET
fsr-3444	643	5	increase	increase	NOUN
fsr-3444	643	6	in	in	ADP
fsr-3444	643	7	education	education	NOUN
fsr-3444	643	8	reduces	reduce	VERB
fsr-3444	643	9	the	the	DET
fsr-3444	643	10	odds	odd	NOUN
fsr-3444	643	11	of	of	ADP
fsr-3444	643	12	filing	filing	NOUN
fsr-3444	643	13	for	for	ADP
fsr-3444	643	14	bankruptcy	bankruptcy	NOUN
fsr-3444	643	15	.	.	PUNCT
fsr-3444	644	1	reduced	reduced	ADJ
fsr-3444	644	2	bankruptcy	bankruptcy	NOUN
fsr-3444	644	3	is	be	AUX
fsr-3444	644	4	another	another	DET
fsr-3444	644	5	benefit	benefit	NOUN
fsr-3444	644	6	from	from	ADP
fsr-3444	644	7	more	more	ADJ
fsr-3444	644	8	education	education	NOUN
fsr-3444	644	9	.	.	PUNCT
fsr-3444	645	1	we	we	PRON
fsr-3444	645	2	also	also	ADV
fsr-3444	645	3	find	find	VERB
fsr-3444	645	4	that	that	SCONJ
fsr-3444	645	5	an	an	DET
fsr-3444	645	6	increase	increase	NOUN
fsr-3444	645	7	in	in	ADP
fsr-3444	645	8	religious	religious	ADJ
fsr-3444	645	9	commitment	commitment	NOUN
fsr-3444	645	10	reduces	reduce	VERB
fsr-3444	645	11	the	the	DET
fsr-3444	645	12	odds	odd	NOUN
fsr-3444	645	13	of	of	ADP
fsr-3444	645	14	filing	filing	NOUN
fsr-3444	645	15	for	for	ADP
fsr-3444	645	16	bankruptcy	bankruptcy	NOUN
fsr-3444	645	17	.	.	PUNCT
fsr-3444	646	1	hence	hence	ADV
fsr-3444	646	2	,	,	PUNCT
fsr-3444	646	3	the	the	DET
fsr-3444	646	4	encouragement	encouragement	NOUN
fsr-3444	646	5	to	to	PART
fsr-3444	646	6	increase	increase	VERB
fsr-3444	646	7	one	one	NUM
fsr-3444	646	8	’s	’s	PART
fsr-3444	646	9	religious	religious	ADJ
fsr-3444	646	10	commitment	commitment	NOUN
fsr-3444	646	11	is	be	AUX
fsr-3444	646	12	recommended	recommend	VERB
fsr-3444	646	13	.	.	PUNCT
fsr-3444	647	1	religious	religious	ADJ
fsr-3444	647	2	leaders	leader	NOUN
fsr-3444	647	3	may	may	AUX
fsr-3444	647	4	be	be	AUX
fsr-3444	647	5	able	able	ADJ
fsr-3444	647	6	to	to	PART
fsr-3444	647	7	promote	promote	VERB
fsr-3444	647	8	this	this	DET
fsr-3444	647	9	finding	finding	NOUN
fsr-3444	647	10	.	.	PUNCT
fsr-3444	648	1	we	we	PRON
fsr-3444	648	2	also	also	ADV
fsr-3444	648	3	find	find	VERB
fsr-3444	648	4	that	that	SCONJ
fsr-3444	648	5	increases	increase	NOUN
fsr-3444	648	6	in	in	ADP
fsr-3444	648	7	parents	parent	NOUN
fsr-3444	648	8	’	'	PUNCT
fsr-3444	648	9	income	income	NOUN
fsr-3444	648	10	(	(	PUNCT
fsr-3444	648	11	and	and	CCONJ
fsr-3444	648	12	education	education	NOUN
fsr-3444	648	13	)	)	PUNCT
fsr-3444	648	14	reduce	reduce	VERB
fsr-3444	648	15	the	the	DET
fsr-3444	648	16	likelihood	likelihood	NOUN
fsr-3444	648	17	of	of	ADP
fsr-3444	648	18	a	a	DET
fsr-3444	648	19	son	son	NOUN
fsr-3444	648	20	or	or	CCONJ
fsr-3444	648	21	daughter	daughter	NOUN
fsr-3444	648	22	filing	filing	NOUN
fsr-3444	648	23	for	for	ADP
fsr-3444	648	24	bankruptcy	bankruptcy	NOUN
fsr-3444	648	25	.	.	PUNCT
fsr-3444	649	1	information	information	NOUN
fsr-3444	649	2	on	on	ADP
fsr-3444	649	3	the	the	DET
fsr-3444	649	4	parents	parent	NOUN
fsr-3444	649	5	’	’	PART
fsr-3444	649	6	education	education	NOUN
fsr-3444	649	7	or	or	CCONJ
fsr-3444	649	8	income	income	NOUN
fsr-3444	649	9	may	may	AUX
fsr-3444	649	10	help	help	VERB
fsr-3444	649	11	in	in	ADP
fsr-3444	649	12	the	the	DET
fsr-3444	649	13	risk	risk	NOUN
fsr-3444	649	14	assessment	assessment	NOUN
fsr-3444	649	15	for	for	ADP
fsr-3444	649	16	bankruptcy	bankruptcy	NOUN
fsr-3444	649	17	for	for	ADP
fsr-3444	649	18	a	a	DET
fsr-3444	649	19	son	son	NOUN
fsr-3444	649	20	or	or	CCONJ
fsr-3444	649	21	daughter	daughter	NOUN
fsr-3444	649	22	applying	apply	VERB
fsr-3444	649	23	for	for	ADP
fsr-3444	649	24	a	a	DET
fsr-3444	649	25	mortgage	mortgage	NOUN
fsr-3444	649	26	or	or	CCONJ
fsr-3444	649	27	other	other	ADJ
fsr-3444	649	28	big	big	ADJ
fsr-3444	649	29	financial	financial	ADJ
fsr-3444	649	30	commitment	commitment	NOUN
fsr-3444	649	31	.	.	PUNCT
fsr-3444	650	1	that	that	PRON
fsr-3444	650	2	is	be	AUX
fsr-3444	650	3	,	,	PUNCT
fsr-3444	650	4	lending	lending	NOUN
fsr-3444	650	5	institution	institution	NOUN
fsr-3444	650	6	can	can	AUX
fsr-3444	650	7	ask	ask	VERB
fsr-3444	650	8	the	the	DET
fsr-3444	650	9	question	question	NOUN
fsr-3444	650	10	,	,	PUNCT
fsr-3444	650	11	“	"	PUNCT
fsr-3444	650	12	what	what	PRON
fsr-3444	650	13	do	do	AUX
fsr-3444	650	14	your	your	PRON
fsr-3444	650	15	parents	parent	NOUN
fsr-3444	650	16	do	do	VERB
fsr-3444	650	17	for	for	ADP
fsr-3444	650	18	a	a	DET
fsr-3444	650	19	living	living	NOUN
fsr-3444	650	20	?	?	PUNCT
fsr-3444	650	21	”	"	PUNCT
fsr-3444	650	22	we	we	PRON
fsr-3444	650	23	find	find	VERB
fsr-3444	650	24	that	that	SCONJ
fsr-3444	650	25	a	a	DET
fsr-3444	650	26	homeowner	homeowner	NOUN
fsr-3444	650	27	is	be	AUX
fsr-3444	650	28	five	five	NUM
fsr-3444	650	29	times	time	NOUN
fsr-3444	650	30	more	more	ADV
fsr-3444	650	31	likely	likely	ADJ
fsr-3444	650	32	to	to	PART
fsr-3444	650	33	file	file	VERB
fsr-3444	650	34	for	for	ADP
fsr-3444	650	35	bankruptcy	bankruptcy	NOUN
fsr-3444	650	36	than	than	ADP
fsr-3444	650	37	a	a	DET
fsr-3444	650	38	nonhome	nonhome	ADJ
fsr-3444	650	39	owner	owner	NOUN
fsr-3444	650	40	.	.	PUNCT
fsr-3444	651	1	we	we	PRON
fsr-3444	651	2	recommend	recommend	VERB
fsr-3444	651	3	that	that	SCONJ
fsr-3444	651	4	homeowners	homeowner	NOUN
fsr-3444	651	5	create	create	VERB
fsr-3444	651	6	a	a	DET
fsr-3444	651	7	bigger	big	ADJ
fsr-3444	651	8	financial	financial	ADJ
fsr-3444	651	9	cushion	cushion	NOUN
fsr-3444	651	10	for	for	ADP
fsr-3444	651	11	emergencies	emergency	NOUN
fsr-3444	651	12	than	than	ADP
fsr-3444	651	13	non	non	ADJ
fsr-3444	651	14	-	-	NOUN
fsr-3444	651	15	homeowners	homeowner	NOUN
fsr-3444	651	16	.	.	PUNCT
fsr-3444	652	1	we	we	PRON
fsr-3444	652	2	also	also	ADV
fsr-3444	652	3	recommend	recommend	VERB
fsr-3444	652	4	that	that	SCONJ
fsr-3444	652	5	homeowners	homeowner	NOUN
fsr-3444	652	6	take	take	VERB
fsr-3444	652	7	more	more	ADJ
fsr-3444	652	8	financial	financial	ADJ
fsr-3444	652	9	literacy	literacy	NOUN
fsr-3444	652	10	training	training	NOUN
fsr-3444	652	11	,	,	PUNCT
fsr-3444	652	12	especially	especially	ADV
fsr-3444	652	13	budgeting	budgeting	ADJ
fsr-3444	652	14	.	.	PUNCT
fsr-3444	653	1	these	these	DET
fsr-3444	653	2	actions	action	NOUN
fsr-3444	653	3	will	will	AUX
fsr-3444	653	4	reduce	reduce	VERB
fsr-3444	653	5	the	the	DET
fsr-3444	653	6	likelihood	likelihood	NOUN
fsr-3444	653	7	of	of	ADP
fsr-3444	653	8	filing	filing	NOUN
fsr-3444	653	9	for	for	ADP
fsr-3444	653	10	bankruptcy	bankruptcy	NOUN
fsr-3444	653	11	.	.	PUNCT
fsr-3444	654	1	these	these	DET
fsr-3444	654	2	actions	action	NOUN
fsr-3444	654	3	are	be	AUX
fsr-3444	654	4	also	also	ADV
fsr-3444	654	5	relevant	relevant	ADJ
fsr-3444	654	6	for	for	ADP
fsr-3444	654	7	married	married	ADJ
fsr-3444	654	8	people	people	NOUN
fsr-3444	654	9	as	as	SCONJ
fsr-3444	654	10	they	they	PRON
fsr-3444	654	11	are	be	AUX
fsr-3444	654	12	more	more	ADV
fsr-3444	654	13	likely	likely	ADJ
fsr-3444	654	14	to	to	PART
fsr-3444	654	15	file	file	VERB
fsr-3444	654	16	for	for	ADP
fsr-3444	654	17	bankruptcy	bankruptcy	NOUN
fsr-3444	654	18	than	than	ADP
fsr-3444	654	19	single	single	ADJ
fsr-3444	654	20	people	people	NOUN
fsr-3444	654	21	.	.	PUNCT
fsr-3444	655	1	there	there	PRON
fsr-3444	655	2	are	be	VERB
fsr-3444	655	3	also	also	ADV
fsr-3444	655	4	implications	implication	NOUN
fsr-3444	655	5	from	from	ADP
fsr-3444	655	6	the	the	DET
fsr-3444	655	7	psychological	psychological	ADJ
fsr-3444	655	8	results	result	NOUN
fsr-3444	655	9	.	.	PUNCT
fsr-3444	656	1	we	we	PRON
fsr-3444	656	2	find	find	VERB
fsr-3444	656	3	that	that	SCONJ
fsr-3444	656	4	an	an	DET
fsr-3444	656	5	increase	increase	NOUN
fsr-3444	656	6	in	in	ADP
fsr-3444	656	7	a	a	DET
fsr-3444	656	8	person	person	NOUN
fsr-3444	656	9	’s	’s	PART
fsr-3444	656	10	financial	financial	ADJ
fsr-3444	656	11	confidence	confidence	NOUN
fsr-3444	656	12	reduces	reduce	VERB
fsr-3444	656	13	the	the	DET
fsr-3444	656	14	odds	odd	NOUN
fsr-3444	656	15	of	of	ADP
fsr-3444	656	16	filing	filing	NOUN
fsr-3444	656	17	for	for	ADP
fsr-3444	656	18	bankruptcy	bankruptcy	NOUN
fsr-3444	656	19	.	.	PUNCT
fsr-3444	657	1	we	we	PRON
fsr-3444	657	2	also	also	ADV
fsr-3444	657	3	find	find	VERB
fsr-3444	657	4	that	that	SCONJ
fsr-3444	657	5	an	an	DET
fsr-3444	657	6	increase	increase	NOUN
fsr-3444	657	7	in	in	ADP
fsr-3444	657	8	negative	negative	ADJ
fsr-3444	657	9	experiences	experience	NOUN
fsr-3444	657	10	with	with	ADP
fsr-3444	657	11	household	household	NOUN
fsr-3444	657	12	finances	finance	NOUN
fsr-3444	657	13	increases	increase	VERB
fsr-3444	657	14	the	the	DET
fsr-3444	657	15	odds	odd	NOUN
fsr-3444	657	16	of	of	ADP
fsr-3444	657	17	filing	filing	NOUN
fsr-3444	657	18	for	for	ADP
fsr-3444	657	19	bankruptcy	bankruptcy	NOUN
fsr-3444	657	20	.	.	PUNCT
fsr-3444	658	1	one	one	NUM
fsr-3444	658	2	recommendation	recommendation	NOUN
fsr-3444	658	3	to	to	PART
fsr-3444	658	4	address	address	VERB
fsr-3444	658	5	these	these	DET
fsr-3444	658	6	two	two	NUM
fsr-3444	658	7	findings	finding	NOUN
fsr-3444	658	8	is	be	AUX
fsr-3444	658	9	to	to	PART
fsr-3444	658	10	increase	increase	VERB
fsr-3444	658	11	financial	financial	ADJ
fsr-3444	658	12	literacy	literacy	NOUN
fsr-3444	658	13	education	education	NOUN
fsr-3444	658	14	.	.	PUNCT
fsr-3444	659	1	with	with	ADP
fsr-3444	659	2	more	more	ADJ
fsr-3444	659	3	financial	financial	ADJ
fsr-3444	659	4	knowledge	knowledge	NOUN
fsr-3444	659	5	,	,	PUNCT
fsr-3444	659	6	one	one	PRON
fsr-3444	659	7	should	should	AUX
fsr-3444	659	8	become	become	VERB
fsr-3444	659	9	more	more	ADV
fsr-3444	659	10	financially	financially	ADV
fsr-3444	659	11	confident	confident	ADJ
fsr-3444	659	12	and	and	CCONJ
fsr-3444	659	13	should	should	AUX
fsr-3444	659	14	have	have	VERB
fsr-3444	659	15	fewer	few	ADJ
fsr-3444	659	16	negative	negative	ADJ
fsr-3444	659	17	financial	financial	ADJ
fsr-3444	659	18	experiences	experience	NOUN
fsr-3444	659	19	.	.	PUNCT
fsr-3444	660	1	this	this	PRON
fsr-3444	660	2	should	should	AUX
fsr-3444	660	3	reduce	reduce	VERB
fsr-3444	660	4	personal	personal	ADJ
fsr-3444	660	5	bankruptcies	bankruptcy	NOUN
fsr-3444	660	6	.	.	PUNCT
fsr-3444	661	1	we	we	PRON
fsr-3444	661	2	find	find	VERB
fsr-3444	661	3	that	that	SCONJ
fsr-3444	661	4	filers	filer	NOUN
fsr-3444	661	5	have	have	VERB
fsr-3444	661	6	higher	high	ADJ
fsr-3444	661	7	levels	level	NOUN
fsr-3444	661	8	of	of	ADP
fsr-3444	661	9	immediate	immediate	ADJ
fsr-3444	661	10	gratification	gratification	NOUN
fsr-3444	661	11	(	(	PUNCT
fsr-3444	661	12	less	less	ADJ
fsr-3444	661	13	self	self	NOUN
fsr-3444	661	14	-	-	PUNCT
fsr-3444	661	15	control	control	NOUN
fsr-3444	661	16	)	)	PUNCT
fsr-3444	661	17	compared	compare	VERB
fsr-3444	661	18	with	with	ADP
fsr-3444	661	19	non	non	NOUN
fsr-3444	661	20	-	-	NOUN
fsr-3444	661	21	filers	filer	NOUN
fsr-3444	661	22	.	.	PUNCT
fsr-3444	662	1	we	we	PRON
fsr-3444	662	2	recommend	recommend	VERB
fsr-3444	662	3	financial	financial	ADJ
fsr-3444	662	4	discipline	discipline	NOUN
fsr-3444	662	5	training	training	NOUN
fsr-3444	662	6	,	,	PUNCT
fsr-3444	662	7	especially	especially	ADV
fsr-3444	662	8	budgeting	budgeting	ADJ
fsr-3444	662	9	,	,	PUNCT
fsr-3444	662	10	to	to	PART
fsr-3444	662	11	alleviate	alleviate	VERB
fsr-3444	662	12	the	the	DET
fsr-3444	662	13	situation	situation	NOUN
fsr-3444	662	14	.	.	PUNCT
fsr-3444	663	1	a	a	DET
fsr-3444	663	2	limitation	limitation	NOUN
fsr-3444	663	3	of	of	ADP
fsr-3444	663	4	this	this	DET
fsr-3444	663	5	study	study	NOUN
fsr-3444	663	6	is	be	AUX
fsr-3444	663	7	that	that	SCONJ
fsr-3444	663	8	the	the	DET
fsr-3444	663	9	data	datum	NOUN
fsr-3444	663	10	are	be	AUX
fsr-3444	663	11	taken	take	VERB
fsr-3444	663	12	from	from	ADP
fsr-3444	663	13	the	the	DET
fsr-3444	663	14	middle	middle	ADJ
fsr-3444	663	15	district	district	PROPN
fsr-3444	663	16	of	of	ADP
fsr-3444	663	17	north	north	PROPN
fsr-3444	663	18	carolina	carolina	PROPN
fsr-3444	663	19	and	and	CCONJ
fsr-3444	663	20	hence	hence	ADV
fsr-3444	663	21	the	the	DET
fsr-3444	663	22	results	result	NOUN
fsr-3444	663	23	may	may	AUX
fsr-3444	663	24	not	not	PART
fsr-3444	663	25	be	be	AUX
fsr-3444	663	26	applicable	applicable	ADJ
fsr-3444	663	27	elsewhere	elsewhere	ADV
fsr-3444	663	28	the	the	DET
fsr-3444	663	29	results	result	NOUN
fsr-3444	663	30	may	may	AUX
fsr-3444	663	31	be	be	AUX
fsr-3444	663	32	acceptable	acceptable	ADJ
fsr-3444	663	33	for	for	ADP
fsr-3444	663	34	places	place	NOUN
fsr-3444	663	35	with	with	ADP
fsr-3444	663	36	high	high	ADJ
fsr-3444	663	37	percentage	percentage	NOUN
fsr-3444	663	38	of	of	ADP
fsr-3444	663	39	whites	white	NOUN
fsr-3444	663	40	and	and	CCONJ
fsr-3444	663	41	blacks	black	NOUN
fsr-3444	663	42	.	.	PUNCT
fsr-3444	664	1	caution	caution	NOUN
fsr-3444	664	2	is	be	AUX
fsr-3444	664	3	required	require	VERB
fsr-3444	664	4	to	to	PART
fsr-3444	664	5	apply	apply	VERB
fsr-3444	664	6	the	the	DET
fsr-3444	664	7	results	result	NOUN
fsr-3444	664	8	to	to	ADP
fsr-3444	664	9	other	other	ADJ
fsr-3444	664	10	states	state	NOUN
fsr-3444	664	11	like	like	ADP
fsr-3444	664	12	florida	florida	PROPN
fsr-3444	664	13	,	,	PUNCT
fsr-3444	664	14	new	new	PROPN
fsr-3444	664	15	york	york	PROPN
fsr-3444	664	16	,	,	PUNCT
fsr-3444	664	17	and	and	CCONJ
fsr-3444	664	18	california	california	PROPN
fsr-3444	664	19	,	,	PUNCT
fsr-3444	664	20	where	where	SCONJ
fsr-3444	664	21	the	the	DET
fsr-3444	664	22	population	population	NOUN
fsr-3444	664	23	has	have	VERB
fsr-3444	664	24	a	a	DET
fsr-3444	664	25	different	different	ADJ
fsr-3444	664	26	mix	mix	NOUN
fsr-3444	664	27	of	of	ADP
fsr-3444	664	28	racial	racial	ADJ
fsr-3444	664	29	groups	group	NOUN
fsr-3444	664	30	,	,	PUNCT
fsr-3444	664	31	including	include	VERB
fsr-3444	664	32	higher	high	ADJ
fsr-3444	664	33	percentages	percentage	NOUN
fsr-3444	664	34	of	of	ADP
fsr-3444	664	35	latinos	latinos	PROPN
fsr-3444	664	36	,	,	PUNCT
fsr-3444	664	37	italians	italians	PROPN
fsr-3444	664	38	,	,	PUNCT
fsr-3444	664	39	caribbean	caribbean	ADJ
fsr-3444	664	40	blacks	black	NOUN
fsr-3444	664	41	,	,	PUNCT
fsr-3444	664	42	african	african	ADJ
fsr-3444	664	43	blacks	black	NOUN
fsr-3444	664	44	,	,	PUNCT
fsr-3444	664	45	and/or	and/or	CCONJ
fsr-3444	664	46	asians	asians	PROPN
fsr-3444	664	47	.	.	PUNCT
fsr-3444	665	1	also	also	ADV
fsr-3444	665	2	,	,	PUNCT
fsr-3444	665	3	we	we	PRON
fsr-3444	665	4	do	do	AUX
fsr-3444	665	5	not	not	PART
fsr-3444	665	6	have	have	VERB
fsr-3444	665	7	the	the	DET
fsr-3444	665	8	data	datum	NOUN
fsr-3444	665	9	of	of	ADP
fsr-3444	665	10	a	a	DET
fsr-3444	665	11	few	few	ADJ
fsr-3444	665	12	other	other	ADJ
fsr-3444	665	13	variables	variable	NOUN
fsr-3444	665	14	that	that	PRON
fsr-3444	665	15	could	could	AUX
fsr-3444	665	16	expand	expand	VERB
fsr-3444	665	17	to	to	ADP
fsr-3444	665	18	the	the	DET
fsr-3444	665	19	model	model	NOUN
fsr-3444	665	20	.	.	PUNCT
fsr-3444	666	1	these	these	PRON
fsr-3444	666	2	could	could	AUX
fsr-3444	666	3	include	include	VERB
fsr-3444	666	4	debt	debt	NOUN
fsr-3444	666	5	,	,	PUNCT
fsr-3444	666	6	wealth	wealth	NOUN
fsr-3444	666	7	,	,	PUNCT
fsr-3444	666	8	principal	principal	ADJ
fsr-3444	666	9	balance	balance	NOUN
fsr-3444	666	10	on	on	ADP
fsr-3444	666	11	mortgage	mortgage	NOUN
fsr-3444	666	12	,	,	PUNCT
fsr-3444	666	13	and	and	CCONJ
fsr-3444	666	14	health	health	NOUN
fsr-3444	666	15	status	status	NOUN
fsr-3444	666	16	.	.	PUNCT
fsr-3444	667	1	further	further	ADJ
fsr-3444	667	2	studies	study	NOUN
fsr-3444	667	3	can	can	AUX
fsr-3444	667	4	be	be	AUX
fsr-3444	667	5	done	do	VERB
fsr-3444	667	6	by	by	ADP
fsr-3444	667	7	looking	look	VERB
fsr-3444	667	8	at	at	ADP
fsr-3444	667	9	these	these	DET
fsr-3444	667	10	demographic	demographic	ADJ
fsr-3444	667	11	,	,	PUNCT
fsr-3444	667	12	psychological	psychological	ADJ
fsr-3444	667	13	,	,	PUNCT
fsr-3444	667	14	and	and	CCONJ
fsr-3444	667	15	financial	financial	ADJ
fsr-3444	667	16	variables	variable	NOUN
fsr-3444	667	17	in	in	ADP
fsr-3444	667	18	other	other	ADJ
fsr-3444	667	19	communities	community	NOUN
fsr-3444	667	20	across	across	ADP
fsr-3444	667	21	the	the	DET
fsr-3444	667	22	country	country	NOUN
fsr-3444	667	23	or	or	CCONJ
fsr-3444	667	24	abroad	abroad	ADV
fsr-3444	667	25	.	.	PUNCT
fsr-3444	668	1	this	this	PRON
fsr-3444	668	2	will	will	AUX
fsr-3444	668	3	add	add	VERB
fsr-3444	668	4	more	more	ADJ
fsr-3444	668	5	robustness	robustness	NOUN
fsr-3444	668	6	to	to	ADP
fsr-3444	668	7	the	the	DET
fsr-3444	668	8	results	result	NOUN
fsr-3444	668	9	found	find	VERB
fsr-3444	668	10	in	in	ADP
fsr-3444	668	11	the	the	DET
fsr-3444	668	12	few	few	ADJ
fsr-3444	668	13	studies	study	NOUN
fsr-3444	668	14	done	do	VERB
fsr-3444	668	15	on	on	ADP
fsr-3444	668	16	bankruptcy	bankruptcy	NOUN
fsr-3444	668	17	filing	filing	NOUN
fsr-3444	668	18	.	.	PUNCT
fsr-3444	669	1	in	in	ADP
fsr-3444	669	2	the	the	DET
fsr-3444	669	3	present	present	ADJ
fsr-3444	669	4	economic	economic	ADJ
fsr-3444	669	5	environment	environment	NOUN
fsr-3444	669	6	with	with	ADP
fsr-3444	669	7	unprecedented	unprecedented	ADJ
fsr-3444	669	8	unemployment	unemployment	NOUN
fsr-3444	669	9	and	and	CCONJ
fsr-3444	669	10	loss	loss	NOUN
fsr-3444	669	11	of	of	ADP
fsr-3444	669	12	income	income	NOUN
fsr-3444	669	13	resulting	result	VERB
fsr-3444	669	14	from	from	ADP
fsr-3444	669	15	the	the	DET
fsr-3444	669	16	coronavirus	coronavirus	NOUN
fsr-3444	669	17	pandemic	pandemic	ADJ
fsr-3444	669	18	,	,	PUNCT
fsr-3444	669	19	more	more	ADJ
fsr-3444	669	20	research	research	NOUN
fsr-3444	669	21	on	on	ADP
fsr-3444	669	22	personal	personal	ADJ
fsr-3444	669	23	bankruptcy	bankruptcy	NOUN
fsr-3444	669	24	is	be	AUX
fsr-3444	669	25	recommended	recommend	VERB
fsr-3444	669	26	.	.	PUNCT
fsr-3444	670	1	references	reference	NOUN
fsr-3444	670	2	asaad	asaad	VERB
fsr-3444	670	3	,	,	PUNCT
fsr-3444	670	4	c.	c.	PROPN
fsr-3444	670	5	t.	t.	PROPN
fsr-3444	670	6	(	(	PUNCT
fsr-3444	670	7	2015	2015	NUM
fsr-3444	670	8	)	)	PUNCT
fsr-3444	670	9	.	.	PUNCT
fsr-3444	671	1	financial	financial	ADJ
fsr-3444	671	2	literacy	literacy	NOUN
fsr-3444	671	3	and	and	CCONJ
fsr-3444	671	4	financial	financial	ADJ
fsr-3444	671	5	behavior	behavior	NOUN
fsr-3444	671	6	:	:	PUNCT
fsr-3444	671	7	assessing	assess	VERB
fsr-3444	671	8	knowledge	knowledge	NOUN
fsr-3444	671	9	and	and	CCONJ
fsr-3444	671	10	confidence	confidence	NOUN
fsr-3444	671	11	.	.	PUNCT
fsr-3444	672	1	financial	financial	ADJ
fsr-3444	672	2	services	service	NOUN
fsr-3444	672	3	review	review	PROPN
fsr-3444	672	4	,	,	PUNCT
fsr-3444	672	5	24	24	NUM
fsr-3444	672	6	,	,	PUNCT
fsr-3444	672	7	101	101	NUM
fsr-3444	672	8	.	.	PUNCT
fsr-3444	672	9	beck	beck	PROPN
fsr-3444	672	10	,	,	PUNCT
fsr-3444	672	11	j.	j.	PROPN
fsr-3444	672	12	h.	h.	PROPN
fsr-3444	672	13	,	,	PUNCT
fsr-3444	672	14	hackney	hackney	PROPN
fsr-3444	672	15	,	,	PUNCT
fsr-3444	672	16	d.	d.	PROPN
fsr-3444	672	17	d.	d.	PROPN
fsr-3444	672	18	,	,	PUNCT
fsr-3444	672	19	hackney	hackney	PROPN
fsr-3444	672	20	,	,	PUNCT
fsr-3444	672	21	j.	j.	PROPN
fsr-3444	672	22	,	,	PUNCT
fsr-3444	672	23	&	&	CCONJ
fsr-3444	672	24	mcpherson	mcpherson	PROPN
fsr-3444	672	25	,	,	PUNCT
fsr-3444	672	26	m.	m.	PROPN
fsr-3444	672	27	q.	q.	PROPN
fsr-3444	672	28	(	(	PUNCT
fsr-3444	672	29	2014	2014	NUM
fsr-3444	672	30	)	)	PUNCT
fsr-3444	672	31	.	.	PUNCT
fsr-3444	673	1	regional	regional	ADJ
fsr-3444	673	2	differences	difference	NOUN
fsr-3444	673	3	in	in	ADP
fsr-3444	673	4	chapter	chapter	NOUN
fsr-3444	673	5	13	13	NUM
fsr-3444	673	6	filings	filing	NOUN
fsr-3444	673	7	:	:	PUNCT
fsr-3444	673	8	southern	southern	ADJ
fsr-3444	673	9	legal	legal	ADJ
fsr-3444	673	10	culture	culture	NOUN
fsr-3444	673	11	or	or	CCONJ
fsr-3444	673	12	religion	religion	NOUN
fsr-3444	673	13	?	?	PUNCT
fsr-3444	674	1	review	review	NOUN
fsr-3444	674	2	of	of	ADP
fsr-3444	674	3	social	social	ADJ
fsr-3444	674	4	economy	economy	NOUN
fsr-3444	674	5	,	,	PUNCT
fsr-3444	674	6	72	72	NUM
fsr-3444	674	7	,	,	PUNCT
fsr-3444	674	8	186	186	NUM
fsr-3444	674	9	-	-	SYM
fsr-3444	674	10	208	208	NUM
fsr-3444	674	11	.	.	PUNCT
fsr-3444	675	1	bronfrenbrenner	bronfrenbrenner	NOUN
fsr-3444	675	2	,	,	PUNCT
fsr-3444	675	3	u.	u.	PROPN
fsr-3444	675	4	(	(	PUNCT
fsr-3444	675	5	1979	1979	NUM
fsr-3444	675	6	)	)	PUNCT
fsr-3444	675	7	.	.	PUNCT
fsr-3444	676	1	purpose	purpose	NOUN
fsr-3444	676	2	and	and	CCONJ
fsr-3444	676	3	perspectives	perspective	NOUN
fsr-3444	676	4	and	and	CCONJ
fsr-3444	676	5	basic	basic	ADJ
fsr-3444	676	6	concepts	concept	NOUN
fsr-3444	676	7	.	.	PUNCT
fsr-3444	677	1	the	the	DET
fsr-3444	677	2	ecology	ecology	NOUN
fsr-3444	677	3	of	of	ADP
fsr-3444	677	4	human	human	ADJ
fsr-3444	677	5	development	development	NOUN
fsr-3444	677	6	(	(	PUNCT
fsr-3444	677	7	pp	pp	ADJ
fsr-3444	677	8	.	.	PUNCT
fsr-3444	678	1	3	3	NUM
fsr-3444	678	2	-	-	SYM
fsr-3444	678	3	28	28	NUM
fsr-3444	678	4	)	)	PUNCT
fsr-3444	678	5	.	.	PUNCT
fsr-3444	679	1	cambridge	cambridge	PROPN
fsr-3444	679	2	,	,	PUNCT
fsr-3444	679	3	ma	ma	PROPN
fsr-3444	679	4	:	:	PUNCT
fsr-3444	679	5	harvard	harvard	PROPN
fsr-3444	679	6	university	university	PROPN
fsr-3444	679	7	press	press	NOUN
fsr-3444	679	8	.	.	PUNCT
fsr-3444	680	1	s.	s.	PROPN
fsr-3444	680	2	e.	e.	PROPN
fsr-3444	680	3	kehiaian	kehiaian	PROPN
fsr-3444	680	4	et	et	PROPN
fsr-3444	680	5	al	al	PROPN
fsr-3444	680	6	.	.	PUNCT
fsr-3444	680	7	/	/	SYM
fsr-3444	680	8	financial	financial	ADJ
fsr-3444	680	9	services	service	NOUN
fsr-3444	680	10	review	review	VERB
fsr-3444	680	11	29	29	NUM
fsr-3444	680	12	(	(	PUNCT
fsr-3444	680	13	2021	2021	NUM
fsr-3444	680	14	)	)	PUNCT
fsr-3444	680	15	67–84	67–84	NOUN
fsr-3444	680	16	83	83	NUM
fsr-3444	680	17	caputo	caputo	PROPN
fsr-3444	680	18	,	,	PUNCT
fsr-3444	680	19	r.	r.	PROPN
fsr-3444	680	20	k.	k.	PROPN
fsr-3444	680	21	(	(	PUNCT
fsr-3444	680	22	2008	2008	NUM
fsr-3444	680	23	)	)	PUNCT
fsr-3444	680	24	.	.	PUNCT
fsr-3444	681	1	marital	marital	ADJ
fsr-3444	681	2	status	status	NOUN
fsr-3444	681	3	and	and	CCONJ
fsr-3444	681	4	other	other	ADJ
fsr-3444	681	5	correlates	correlate	NOUN
fsr-3444	681	6	of	of	ADP
fsr-3444	681	7	personal	personal	ADJ
fsr-3444	681	8	bankruptcy	bankruptcy	NOUN
fsr-3444	681	9	,	,	PUNCT
fsr-3444	681	10	1986–2004.marriage	1986–2004.marriage	NUM
fsr-3444	681	11	&	&	CCONJ
fsr-3444	681	12	family	family	PROPN
fsr-3444	681	13	review	review	NOUN
fsr-3444	681	14	,	,	PUNCT
fsr-3444	681	15	44	44	NUM
fsr-3444	681	16	,	,	PUNCT
fsr-3444	681	17	5	5	NUM
fsr-3444	681	18	-	-	SYM
fsr-3444	681	19	32	32	NUM
fsr-3444	681	20	.	.	PUNCT
fsr-3444	682	1	chakravarty	chakravarty	NOUN
fsr-3444	682	2	,	,	PUNCT
fsr-3444	682	3	s.	s.	PROPN
fsr-3444	682	4	,	,	PUNCT
fsr-3444	682	5	&	&	CCONJ
fsr-3444	682	6	rhee	rhee	PROPN
fsr-3444	682	7	,	,	PUNCT
fsr-3444	682	8	e.	e.	PROPN
fsr-3444	682	9	y.	y.	PROPN
fsr-3444	682	10	(	(	PUNCT
fsr-3444	682	11	1999	1999	NUM
fsr-3444	682	12	)	)	PUNCT
fsr-3444	682	13	.	.	PUNCT
fsr-3444	683	1	factors	factor	NOUN
fsr-3444	683	2	affecting	affect	VERB
fsr-3444	683	3	an	an	DET
fsr-3444	683	4	individual	individual	NOUN
fsr-3444	683	5	’s	’s	PART
fsr-3444	683	6	bankruptcy	bankruptcy	NOUN
fsr-3444	683	7	filing	filing	NOUN
fsr-3444	683	8	decision	decision	NOUN
fsr-3444	683	9	.	.	PUNCT
fsr-3444	684	1	available	available	ADJ
fsr-3444	684	2	at	at	ADP
fsr-3444	684	3	ssrn	ssrn	PROPN
fsr-3444	684	4	164351	164351	NUM
fsr-3444	684	5	.	.	PUNCT
fsr-3444	685	1	https://dx.doi.org/10.2139/ssrn.164351	https://dx.doi.org/10.2139/ssrn.164351	PROPN
fsr-3444	685	2	clements	clements	PROPN
fsr-3444	685	3	,	,	PUNCT
fsr-3444	685	4	j.	j.	PROPN
fsr-3444	685	5	,	,	PUNCT
fsr-3444	685	6	johnson	johnson	PROPN
fsr-3444	685	7	,	,	PUNCT
fsr-3444	685	8	d.	d.	PROPN
fsr-3444	685	9	,	,	PUNCT
fsr-3444	685	10	michelich	michelich	PROPN
fsr-3444	685	11	,	,	PUNCT
fsr-3444	685	12	k.	k.	PROPN
fsr-3444	685	13	,	,	PUNCT
fsr-3444	685	14	&	&	CCONJ
fsr-3444	685	15	olinsky	olinsky	PROPN
fsr-3444	685	16	,	,	PUNCT
fsr-3444	685	17	c.	c.	PROPN
fsr-3444	685	18	f.	f.	PROPN
fsr-3444	685	19	(	(	PUNCT
fsr-3444	685	20	1999	1999	NUM
fsr-3444	685	21	)	)	PUNCT
fsr-3444	685	22	.	.	PUNCT
fsr-3444	686	1	characteristics	characteristic	NOUN
fsr-3444	686	2	of	of	ADP
fsr-3444	686	3	bankruptcy	bankruptcy	NOUN
fsr-3444	686	4	filers	filer	NOUN
fsr-3444	686	5	:	:	PUNCT
fsr-3444	686	6	implications	implication	NOUN
fsr-3444	686	7	for	for	ADP
fsr-3444	686	8	educators	educator	NOUN
fsr-3444	686	9	.	.	PUNCT
fsr-3444	687	1	journal	journal	PROPN
fsr-3444	687	2	of	of	ADP
fsr-3444	687	3	family	family	NOUN
fsr-3444	687	4	and	and	CCONJ
fsr-3444	687	5	consumer	consumer	NOUN
fsr-3444	687	6	sciences	science	NOUN
fsr-3444	687	7	,	,	PUNCT
fsr-3444	687	8	91	91	NUM
fsr-3444	687	9	,	,	PUNCT
fsr-3444	687	10	71	71	NUM
fsr-3444	687	11	.	.	PUNCT
fsr-3444	688	1	collins	collins	PROPN
fsr-3444	688	2	,	,	PUNCT
fsr-3444	688	3	j.	j.	PROPN
fsr-3444	688	4	m.	m.	PROPN
fsr-3444	688	5	(	(	PUNCT
fsr-3444	688	6	2010	2010	NUM
fsr-3444	688	7	)	)	PUNCT
fsr-3444	688	8	.	.	PUNCT
fsr-3444	689	1	effects	effect	NOUN
fsr-3444	689	2	of	of	ADP
fsr-3444	689	3	mandatory	mandatory	ADJ
fsr-3444	689	4	financial	financial	ADJ
fsr-3444	689	5	education	education	NOUN
fsr-3444	689	6	on	on	ADP
fsr-3444	689	7	low	low	ADJ
fsr-3444	689	8	-	-	PUNCT
fsr-3444	689	9	income	income	NOUN
fsr-3444	689	10	clients	client	NOUN
fsr-3444	689	11	.	.	PUNCT
fsr-3444	690	1	focus	focus	VERB
fsr-3444	690	2	,	,	PUNCT
fsr-3444	690	3	27	27	NUM
fsr-3444	690	4	,	,	PUNCT
fsr-3444	690	5	13	13	NUM
fsr-3444	690	6	-	-	SYM
fsr-3444	690	7	18	18	NUM
fsr-3444	690	8	.	.	PUNCT
fsr-3444	691	1	danes	dane	NOUN
fsr-3444	691	2	,	,	PUNCT
fsr-3444	691	3	s.	s.	PROPN
fsr-3444	691	4	m.	m.	PROPN
fsr-3444	691	5	,	,	PUNCT
fsr-3444	691	6	huddleston	huddleston	PROPN
fsr-3444	691	7	-	-	PUNCT
fsr-3444	691	8	casas	casas	PROPN
fsr-3444	691	9	,	,	PUNCT
fsr-3444	691	10	c.	c.	PROPN
fsr-3444	691	11	,	,	PUNCT
fsr-3444	691	12	&	&	CCONJ
fsr-3444	691	13	boyce	boyce	PROPN
fsr-3444	691	14	,	,	PUNCT
fsr-3444	691	15	l.	l.	PROPN
fsr-3444	691	16	(	(	PUNCT
fsr-3444	691	17	1999	1999	NUM
fsr-3444	691	18	)	)	PUNCT
fsr-3444	691	19	.	.	PUNCT
fsr-3444	692	1	financial	financial	ADJ
fsr-3444	692	2	planning	planning	NOUN
fsr-3444	692	3	curriculum	curriculum	NOUN
fsr-3444	692	4	for	for	ADP
fsr-3444	692	5	teens	teen	NOUN
fsr-3444	692	6	:	:	PUNCT
fsr-3444	692	7	impact	impact	NOUN
fsr-3444	692	8	evaluation	evaluation	NOUN
fsr-3444	692	9	.	.	PUNCT
fsr-3444	693	1	journal	journal	NOUN
fsr-3444	693	2	of	of	ADP
fsr-3444	693	3	financial	financial	ADJ
fsr-3444	693	4	counseling	counseling	NOUN
fsr-3444	693	5	and	and	CCONJ
fsr-3444	693	6	planning	planning	NOUN
fsr-3444	693	7	,	,	PUNCT
fsr-3444	693	8	10	10	NUM
fsr-3444	693	9	,	,	PUNCT
fsr-3444	693	10	26	26	NUM
fsr-3444	693	11	.	.	PUNCT
fsr-3444	694	1	deacon	deacon	PROPN
fsr-3444	694	2	,	,	PUNCT
fsr-3444	694	3	r.	r.	PROPN
fsr-3444	694	4	e.	e.	PROPN
fsr-3444	694	5	,	,	PUNCT
fsr-3444	694	6	&	&	CCONJ
fsr-3444	694	7	firebaugh	firebaugh	ADJ
fsr-3444	694	8	,	,	PUNCT
fsr-3444	694	9	f.	f.	PROPN
fsr-3444	694	10	m.	m.	PROPN
fsr-3444	694	11	(	(	PUNCT
fsr-3444	694	12	1988	1988	NUM
fsr-3444	694	13	)	)	PUNCT
fsr-3444	694	14	.	.	PUNCT
fsr-3444	695	1	family	family	NOUN
fsr-3444	695	2	resource	resource	NOUN
fsr-3444	695	3	management	management	NOUN
fsr-3444	695	4	:	:	PUNCT
fsr-3444	695	5	principles	principle	NOUN
fsr-3444	695	6	and	and	CCONJ
fsr-3444	695	7	applications	application	NOUN
fsr-3444	695	8	(	(	PUNCT
fsr-3444	695	9	2nd	2nd	ADJ
fsr-3444	695	10	ed	ed	NOUN
fsr-3444	695	11	.	.	PUNCT
fsr-3444	695	12	)	)	PUNCT
fsr-3444	695	13	.	.	PUNCT
fsr-3444	696	1	boston	boston	PROPN
fsr-3444	696	2	,	,	PUNCT
fsr-3444	696	3	ma	ma	PROPN
fsr-3444	696	4	:	:	PUNCT
fsr-3444	696	5	allyn	allyn	PROPN
fsr-3444	696	6	and	and	CCONJ
fsr-3444	696	7	bacon	bacon	NOUN
fsr-3444	696	8	domowitz	domowitz	PROPN
fsr-3444	696	9	,	,	PUNCT
fsr-3444	696	10	i.	i.	NOUN
fsr-3444	696	11	,	,	PUNCT
fsr-3444	696	12	&	&	CCONJ
fsr-3444	696	13	sartain	sartain	VERB
fsr-3444	696	14	,	,	PUNCT
fsr-3444	696	15	r.	r.	PROPN
fsr-3444	696	16	l.	l.	PROPN
fsr-3444	696	17	(	(	PUNCT
fsr-3444	696	18	1999	1999	NUM
fsr-3444	696	19	)	)	PUNCT
fsr-3444	696	20	.	.	PUNCT
fsr-3444	697	1	determinants	determinant	NOUN
fsr-3444	697	2	of	of	ADP
fsr-3444	697	3	the	the	DET
fsr-3444	697	4	consumer	consumer	NOUN
fsr-3444	697	5	bankruptcy	bankruptcy	NOUN
fsr-3444	697	6	decision	decision	NOUN
fsr-3444	697	7	.	.	PUNCT
fsr-3444	698	1	the	the	DET
fsr-3444	698	2	journal	journal	PROPN
fsr-3444	698	3	of	of	ADP
fsr-3444	698	4	finance	finance	NOUN
fsr-3444	698	5	,	,	PUNCT
fsr-3444	698	6	54	54	NUM
fsr-3444	698	7	,	,	PUNCT
fsr-3444	698	8	403	403	NUM
fsr-3444	698	9	-	-	SYM
fsr-3444	698	10	420	420	NUM
fsr-3444	698	11	.	.	PUNCT
fsr-3444	699	1	efrat	efrat	PROPN
fsr-3444	699	2	,	,	PUNCT
fsr-3444	699	3	r.	r.	PROPN
fsr-3444	699	4	(	(	PUNCT
fsr-3444	699	5	1998	1998	NUM
fsr-3444	699	6	)	)	PUNCT
fsr-3444	699	7	.	.	PUNCT
fsr-3444	700	1	the	the	DET
fsr-3444	700	2	moral	moral	ADJ
fsr-3444	700	3	appeal	appeal	NOUN
fsr-3444	700	4	of	of	ADP
fsr-3444	700	5	personal	personal	ADJ
fsr-3444	700	6	bankruptcy.whittier	bankruptcy.whittier	NOUN
fsr-3444	700	7	law	law	NOUN
fsr-3444	700	8	review	review	NOUN
fsr-3444	700	9	,	,	PUNCT
fsr-3444	700	10	20	20	NUM
fsr-3444	700	11	,	,	PUNCT
fsr-3444	700	12	141	141	NUM
fsr-3444	700	13	-	-	SYM
fsr-3444	700	14	170	170	NUM
fsr-3444	700	15	.	.	PUNCT
fsr-3444	701	1	evans	evans	PROPN
fsr-3444	701	2	,	,	PUNCT
fsr-3444	701	3	d.	d.	PROPN
fsr-3444	701	4	,	,	PUNCT
fsr-3444	701	5	&	&	CCONJ
fsr-3444	701	6	bauchet	bauchet	PROPN
fsr-3444	701	7	,	,	PUNCT
fsr-3444	701	8	j.	j.	PROPN
fsr-3444	701	9	(	(	PUNCT
fsr-3444	701	10	2017	2017	NUM
fsr-3444	701	11	)	)	PUNCT
fsr-3444	701	12	.	.	PUNCT
fsr-3444	702	1	bankruptcy	bankruptcy	NOUN
fsr-3444	702	2	determinants	determinant	NOUN
fsr-3444	702	3	among	among	ADP
fsr-3444	702	4	us	us	PROPN
fsr-3444	702	5	households	household	NOUN
fsr-3444	702	6	during	during	ADP
fsr-3444	702	7	the	the	DET
fsr-3444	702	8	peak	peak	NOUN
fsr-3444	702	9	of	of	ADP
fsr-3444	702	10	the	the	DET
fsr-3444	702	11	great	great	ADJ
fsr-3444	702	12	recession	recession	NOUN
fsr-3444	702	13	.	.	PUNCT
fsr-3444	703	1	consumer	consumer	NOUN
fsr-3444	703	2	interests	interest	NOUN
fsr-3444	703	3	annual	annual	ADJ
fsr-3444	703	4	,	,	PUNCT
fsr-3444	703	5	63	63	NUM
fsr-3444	703	6	,	,	PUNCT
fsr-3444	703	7	1	1	NUM
fsr-3444	703	8	-	-	SYM
fsr-3444	703	9	7	7	NUM
fsr-3444	703	10	.	.	PUNCT
fsr-3444	703	11	evans	evans	PROPN
fsr-3444	703	12	,	,	PUNCT
fsr-3444	703	13	d.	d.	PROPN
fsr-3444	703	14	a.	a.	PROPN
fsr-3444	703	15	,	,	PUNCT
fsr-3444	703	16	&	&	CCONJ
fsr-3444	703	17	lown	lown	PROPN
fsr-3444	703	18	,	,	PUNCT
fsr-3444	703	19	j.	j.	PROPN
fsr-3444	703	20	m.	m.	PROPN
fsr-3444	703	21	(	(	PUNCT
fsr-3444	703	22	2008	2008	NUM
fsr-3444	703	23	)	)	PUNCT
fsr-3444	703	24	.	.	PUNCT
fsr-3444	704	1	predictors	predictor	NOUN
fsr-3444	704	2	of	of	ADP
fsr-3444	704	3	chapter	chapter	NOUN
fsr-3444	704	4	13	13	NUM
fsr-3444	704	5	completion	completion	NOUN
fsr-3444	704	6	rates	rate	NOUN
fsr-3444	704	7	:	:	PUNCT
fsr-3444	704	8	the	the	DET
fsr-3444	704	9	role	role	NOUN
fsr-3444	704	10	of	of	ADP
fsr-3444	704	11	socioeconomic	socioeconomic	ADJ
fsr-3444	704	12	variables	variable	NOUN
fsr-3444	704	13	and	and	CCONJ
fsr-3444	704	14	consumer	consumer	NOUN
fsr-3444	704	15	debt	debt	NOUN
fsr-3444	704	16	type	type	NOUN
fsr-3444	704	17	.	.	PUNCT
fsr-3444	705	1	journal	journal	NOUN
fsr-3444	705	2	of	of	ADP
fsr-3444	705	3	family	family	NOUN
fsr-3444	705	4	and	and	CCONJ
fsr-3444	705	5	economic	economic	ADJ
fsr-3444	705	6	issues	issue	NOUN
fsr-3444	705	7	,	,	PUNCT
fsr-3444	705	8	29	29	NUM
fsr-3444	705	9	,	,	PUNCT
fsr-3444	705	10	202	202	NUM
fsr-3444	705	11	-	-	SYM
fsr-3444	705	12	218	218	NUM
fsr-3444	705	13	.	.	PUNCT
fsr-3444	706	1	fisher	fisher	PROPN
fsr-3444	706	2	,	,	PUNCT
fsr-3444	706	3	j.	j.	PROPN
fsr-3444	706	4	d.	d.	PROPN
fsr-3444	706	5	(	(	PUNCT
fsr-3444	706	6	2019	2019	NUM
fsr-3444	706	7	)	)	PUNCT
fsr-3444	706	8	.	.	PUNCT
fsr-3444	707	1	who	who	PRON
fsr-3444	707	2	files	file	VERB
fsr-3444	707	3	for	for	ADP
fsr-3444	707	4	personal	personal	ADJ
fsr-3444	707	5	bankruptcy	bankruptcy	NOUN
fsr-3444	707	6	in	in	ADP
fsr-3444	707	7	the	the	DET
fsr-3444	707	8	united	united	PROPN
fsr-3444	707	9	states	states	PROPN
fsr-3444	707	10	?	?	PUNCT
fsr-3444	708	1	journal	journal	NOUN
fsr-3444	708	2	of	of	ADP
fsr-3444	708	3	consumer	consumer	NOUN
fsr-3444	708	4	affairs	affair	NOUN
fsr-3444	708	5	,	,	PUNCT
fsr-3444	708	6	53	53	NUM
fsr-3444	708	7	,	,	PUNCT
fsr-3444	708	8	2003	2003	NUM
fsr-3444	708	9	-	-	SYM
fsr-3444	708	10	2026	2026	NUM
fsr-3444	708	11	.	.	PUNCT
fsr-3444	709	1	available	available	ADJ
fsr-3444	709	2	at	at	ADP
fsr-3444	709	3	https://www.census.gov/quickfacts/fact/table/	https://www.census.gov/quickfacts/fact/table/	PROPN
fsr-3444	709	4	;	;	PUNCT
fsr-3444	709	5	https://www.economist.com/financeand-economics/2018/02/22/protestantism-might-be-good-for-the-wallet-after-all	https://www.economist.com/financeand-economics/2018/02/22/protestantism-might-be-good-for-the-wallet-after-all	PROPN
fsr-3444	709	6	;	;	PUNCT
fsr-3444	709	7	http://www.uscourts.gov/	http://www.uscourts.gov/	PROPN
fsr-3444	709	8	statistics	statistic	NOUN
fsr-3444	709	9	-	-	PUNCT
fsr-3444	709	10	reports	report	NOUN
fsr-3444	709	11	/	/	SYM
fsr-3444	709	12	caseload	caseload	NOUN
fsr-3444	709	13	-	-	PUNCT
fsr-3444	709	14	statistics	statistic	NOUN
fsr-3444	709	15	-	-	PUNCT
fsr-3444	709	16	data	datum	NOUN
fsr-3444	709	17	-	-	PUNCT
fsr-3444	709	18	tables	table	NOUN
fsr-3444	709	19	khan	khan	PROPN
fsr-3444	709	20	,	,	PUNCT
fsr-3444	709	21	a.	a.	PROPN
fsr-3444	709	22	k.	k.	PROPN
fsr-3444	709	23	(	(	PUNCT
fsr-3444	709	24	2010	2010	NUM
fsr-3444	709	25	)	)	PUNCT
fsr-3444	709	26	.	.	PUNCT
fsr-3444	710	1	essays	essay	NOUN
fsr-3444	710	2	on	on	ADP
fsr-3444	710	3	faith	faith	NOUN
fsr-3444	710	4	and	and	CCONJ
fsr-3444	710	5	finance	finance	NOUN
fsr-3444	710	6	(	(	PUNCT
fsr-3444	710	7	unpublished	unpublished	ADJ
fsr-3444	710	8	doctoral	doctoral	ADJ
fsr-3444	710	9	dissertation	dissertation	NOUN
fsr-3444	710	10	)	)	PUNCT
fsr-3444	710	11	.	.	PUNCT
fsr-3444	711	1	harvard	harvard	PROPN
fsr-3444	711	2	business	business	PROPN
fsr-3444	711	3	school	school	PROPN
fsr-3444	711	4	,	,	PUNCT
fsr-3444	711	5	boston	boston	PROPN
fsr-3444	711	6	,	,	PUNCT
fsr-3444	711	7	ma	ma	PROPN
fsr-3444	711	8	.	.	PROPN
fsr-3444	711	9	lefgren	lefgren	PROPN
fsr-3444	711	10	,	,	PUNCT
fsr-3444	711	11	l.	l.	PROPN
fsr-3444	711	12	,	,	PUNCT
fsr-3444	711	13	&	&	CCONJ
fsr-3444	711	14	mcintyre	mcintyre	PROPN
fsr-3444	711	15	,	,	PUNCT
fsr-3444	711	16	f.	f.	PROPN
fsr-3444	711	17	(	(	PUNCT
fsr-3444	711	18	2009	2009	NUM
fsr-3444	711	19	)	)	PUNCT
fsr-3444	711	20	.	.	PUNCT
fsr-3444	712	1	explaining	explain	VERB
fsr-3444	712	2	the	the	DET
fsr-3444	712	3	puzzle	puzzle	NOUN
fsr-3444	712	4	of	of	ADP
fsr-3444	712	5	cross	cross	ADJ
fsr-3444	712	6	-	-	ADJ
fsr-3444	712	7	state	state	ADJ
fsr-3444	712	8	differences	difference	NOUN
fsr-3444	712	9	in	in	ADP
fsr-3444	712	10	bankruptcy	bankruptcy	NOUN
fsr-3444	712	11	rates	rate	NOUN
fsr-3444	712	12	.	.	PUNCT
fsr-3444	713	1	the	the	DET
fsr-3444	713	2	journal	journal	NOUN
fsr-3444	713	3	of	of	ADP
fsr-3444	713	4	law	law	NOUN
fsr-3444	713	5	and	and	CCONJ
fsr-3444	713	6	economics	economic	NOUN
fsr-3444	713	7	,	,	PUNCT
fsr-3444	713	8	52	52	NUM
fsr-3444	713	9	,	,	PUNCT
fsr-3444	713	10	367	367	NUM
fsr-3444	713	11	-	-	SYM
fsr-3444	713	12	393	393	NUM
fsr-3444	713	13	.	.	PUNCT
fsr-3444	714	1	loibl	loibl	PROPN
fsr-3444	714	2	,	,	PUNCT
fsr-3444	714	3	c.	c.	PROPN
fsr-3444	714	4	,	,	PUNCT
fsr-3444	714	5	hira	hira	PROPN
fsr-3444	714	6	,	,	PUNCT
fsr-3444	714	7	t.	t.	PROPN
fsr-3444	714	8	k.	k.	PROPN
fsr-3444	714	9	,	,	PUNCT
fsr-3444	714	10	&	&	CCONJ
fsr-3444	714	11	rupured	rupure	VERB
fsr-3444	714	12	,	,	PUNCT
fsr-3444	714	13	m.	m.	NOUN
fsr-3444	714	14	(	(	PUNCT
fsr-3444	714	15	2006	2006	NUM
fsr-3444	714	16	)	)	PUNCT
fsr-3444	714	17	.	.	PUNCT
fsr-3444	715	1	first	first	ADJ
fsr-3444	715	2	time	time	NOUN
fsr-3444	715	3	versus	versus	ADP
fsr-3444	715	4	repeat	repeat	NOUN
fsr-3444	715	5	filers	filer	NOUN
fsr-3444	715	6	:	:	PUNCT
fsr-3444	715	7	the	the	DET
fsr-3444	715	8	likelihood	likelihood	NOUN
fsr-3444	715	9	of	of	ADP
fsr-3444	715	10	completing	complete	VERB
fsr-3444	715	11	a	a	DET
fsr-3444	715	12	chapter	chapter	NOUN
fsr-3444	715	13	13	13	NUM
fsr-3444	715	14	bankruptcy	bankruptcy	NOUN
fsr-3444	715	15	repayment	repayment	NOUN
fsr-3444	715	16	plan	plan	NOUN
fsr-3444	715	17	.	.	PUNCT
fsr-3444	716	1	journal	journal	NOUN
fsr-3444	716	2	of	of	ADP
fsr-3444	716	3	financial	financial	ADJ
fsr-3444	716	4	counseling	counseling	NOUN
fsr-3444	716	5	and	and	CCONJ
fsr-3444	716	6	planning	planning	NOUN
fsr-3444	716	7	,	,	PUNCT
fsr-3444	716	8	17	17	NUM
fsr-3444	716	9	,	,	PUNCT
fsr-3444	716	10	23	23	NUM
fsr-3444	716	11	-	-	SYM
fsr-3444	716	12	33	33	NUM
fsr-3444	716	13	.	.	PUNCT
fsr-3444	717	1	miller	miller	PROPN
fsr-3444	717	2	,	,	PUNCT
fsr-3444	717	3	k.	k.	PROPN
fsr-3444	717	4	s.	s.	PROPN
fsr-3444	717	5	,	,	PUNCT
fsr-3444	717	6	levin	levin	PROPN
fsr-3444	717	7	,	,	PUNCT
fsr-3444	717	8	m.	m.	PROPN
fsr-3444	717	9	l.	l.	PROPN
fsr-3444	717	10	,	,	PUNCT
fsr-3444	717	11	whitaker	whitaker	PROPN
fsr-3444	717	12	,	,	PUNCT
fsr-3444	717	13	d.	d.	PROPN
fsr-3444	717	14	j.	j.	PROPN
fsr-3444	717	15	,	,	PUNCT
fsr-3444	717	16	&	&	CCONJ
fsr-3444	717	17	xu	xu	PROPN
fsr-3444	717	18	,	,	PUNCT
fsr-3444	717	19	x.	x.	NOUN
fsr-3444	717	20	(	(	PUNCT
fsr-3444	717	21	1998	1998	NUM
fsr-3444	717	22	)	)	PUNCT
fsr-3444	717	23	.	.	PUNCT
fsr-3444	718	1	patterns	pattern	NOUN
fsr-3444	718	2	of	of	ADP
fsr-3444	718	3	condom	condom	NOUN
fsr-3444	718	4	use	use	NOUN
fsr-3444	718	5	among	among	ADP
fsr-3444	718	6	adolescents	adolescent	NOUN
fsr-3444	718	7	:	:	PUNCT
fsr-3444	718	8	the	the	DET
fsr-3444	718	9	impact	impact	NOUN
fsr-3444	718	10	of	of	ADP
fsr-3444	718	11	mother	mother	NOUN
fsr-3444	718	12	-	-	PUNCT
fsr-3444	718	13	adolescent	adolescent	ADJ
fsr-3444	718	14	communication	communication	NOUN
fsr-3444	718	15	.	.	PUNCT
fsr-3444	719	1	american	american	ADJ
fsr-3444	719	2	journal	journal	PROPN
fsr-3444	719	3	of	of	ADP
fsr-3444	719	4	public	public	ADJ
fsr-3444	719	5	health	health	NOUN
fsr-3444	719	6	,	,	PUNCT
fsr-3444	719	7	88	88	NUM
fsr-3444	719	8	,	,	PUNCT
fsr-3444	719	9	1542	1542	NUM
fsr-3444	719	10	-	-	SYM
fsr-3444	719	11	1544	1544	NUM
fsr-3444	719	12	.	.	PUNCT
fsr-3444	720	1	miotto	miotto	PROPN
fsr-3444	720	2	,	,	PUNCT
fsr-3444	720	3	a.	a.	PROPN
fsr-3444	720	4	,	,	PUNCT
fsr-3444	720	5	paula	paula	PROPN
fsr-3444	720	6	,	,	PUNCT
fsr-3444	720	7	s.	s.	PROPN
fsr-3444	720	8	c.	c.	PROPN
fsr-3444	720	9	,	,	PUNCT
fsr-3444	720	10	&	&	CCONJ
fsr-3444	720	11	parente	parente	PROPN
fsr-3444	720	12	,	,	PUNCT
fsr-3444	720	13	j.	j.	PROPN
fsr-3444	720	14	(	(	PUNCT
fsr-3444	720	15	2015	2015	NUM
fsr-3444	720	16	)	)	PUNCT
fsr-3444	720	17	.	.	PUNCT
fsr-3444	721	1	antecedents	antecedent	NOUN
fsr-3444	721	2	and	and	CCONJ
fsr-3444	721	3	consequences	consequence	NOUN
fsr-3444	721	4	of	of	ADP
fsr-3444	721	5	household	household	NOUN
fsr-3444	721	6	financial	financial	ADJ
fsr-3444	721	7	management	management	NOUN
fsr-3444	721	8	in	in	ADP
fsr-3444	721	9	brazilian	brazilian	ADJ
fsr-3444	721	10	lower	lower	ADV
fsr-3444	721	11	-	-	PUNCT
fsr-3444	721	12	middle	middle	ADJ
fsr-3444	721	13	-	-	PUNCT
fsr-3444	721	14	class	class	NOUN
fsr-3444	721	15	.	.	PUNCT
fsr-3444	722	1	revista	revista	PROPN
fsr-3444	722	2	de	de	X
fsr-3444	722	3	administração	administração	PROPN
fsr-3444	722	4	de	de	PROPN
fsr-3444	722	5	empresas	empresas	PROPN
fsr-3444	722	6	,	,	PUNCT
fsr-3444	722	7	55	55	NUM
fsr-3444	722	8	,	,	PUNCT
fsr-3444	722	9	50	50	NUM
fsr-3444	722	10	-	-	SYM
fsr-3444	722	11	64	64	NUM
fsr-3444	722	12	.	.	PUNCT
fsr-3444	723	1	perry	perry	PROPN
fsr-3444	723	2	,	,	PUNCT
fsr-3444	723	3	v.	v.	PROPN
fsr-3444	723	4	g.	g.	PROPN
fsr-3444	723	5	,	,	PUNCT
fsr-3444	723	6	&	&	CCONJ
fsr-3444	723	7	morris	morris	PROPN
fsr-3444	723	8	,	,	PUNCT
fsr-3444	723	9	m.	m.	PROPN
fsr-3444	723	10	d.	d.	PROPN
fsr-3444	723	11	(	(	PUNCT
fsr-3444	723	12	2005	2005	NUM
fsr-3444	723	13	)	)	PUNCT
fsr-3444	723	14	.	.	PUNCT
fsr-3444	724	1	who	who	PRON
fsr-3444	724	2	is	be	AUX
fsr-3444	724	3	in	in	ADP
fsr-3444	724	4	control	control	NOUN
fsr-3444	724	5	?	?	PUNCT
fsr-3444	725	1	the	the	DET
fsr-3444	725	2	role	role	NOUN
fsr-3444	725	3	of	of	ADP
fsr-3444	725	4	self	self	NOUN
fsr-3444	725	5	-	-	PUNCT
fsr-3444	725	6	perception	perception	NOUN
fsr-3444	725	7	,	,	PUNCT
fsr-3444	725	8	knowledge	knowledge	NOUN
fsr-3444	725	9	,	,	PUNCT
fsr-3444	725	10	and	and	CCONJ
fsr-3444	725	11	income	income	NOUN
fsr-3444	725	12	in	in	ADP
fsr-3444	725	13	explaining	explain	VERB
fsr-3444	725	14	consumer	consumer	NOUN
fsr-3444	725	15	financial	financial	ADJ
fsr-3444	725	16	behavior	behavior	NOUN
fsr-3444	725	17	.	.	PUNCT
fsr-3444	726	1	journal	journal	PROPN
fsr-3444	726	2	of	of	ADP
fsr-3444	726	3	consumer	consumer	NOUN
fsr-3444	726	4	affairs	affair	NOUN
fsr-3444	726	5	,	,	PUNCT
fsr-3444	726	6	39	39	NUM
fsr-3444	726	7	,	,	PUNCT
fsr-3444	726	8	299	299	NUM
fsr-3444	726	9	-	-	SYM
fsr-3444	726	10	313	313	NUM
fsr-3444	726	11	.	.	PUNCT
fsr-3444	727	1	samuelson	samuelson	PROPN
fsr-3444	727	2	,	,	PUNCT
fsr-3444	727	3	p.	p.	NOUN
fsr-3444	727	4	a.	a.	NOUN
fsr-3444	728	1	(	(	PUNCT
fsr-3444	728	2	1937	1937	NUM
fsr-3444	728	3	)	)	PUNCT
fsr-3444	728	4	.	.	PUNCT
fsr-3444	729	1	a	a	DET
fsr-3444	729	2	note	note	NOUN
fsr-3444	729	3	on	on	ADP
fsr-3444	729	4	measurement	measurement	NOUN
fsr-3444	729	5	of	of	ADP
fsr-3444	729	6	utility	utility	NOUN
fsr-3444	729	7	.	.	PUNCT
fsr-3444	730	1	the	the	DET
fsr-3444	730	2	review	review	NOUN
fsr-3444	730	3	of	of	ADP
fsr-3444	730	4	economic	economic	ADJ
fsr-3444	730	5	studies	study	NOUN
fsr-3444	730	6	,	,	PUNCT
fsr-3444	730	7	4	4	NUM
fsr-3444	730	8	,	,	PUNCT
fsr-3444	730	9	155	155	NUM
fsr-3444	730	10	-	-	SYM
fsr-3444	730	11	161	161	NUM
fsr-3444	730	12	.	.	PUNCT
fsr-3444	731	1	schuchardt	schuchardt	PROPN
fsr-3444	731	2	,	,	PUNCT
fsr-3444	731	3	j.	j.	PROPN
fsr-3444	731	4	,	,	PUNCT
fsr-3444	731	5	durband	durband	PROPN
fsr-3444	731	6	,	,	PUNCT
fsr-3444	731	7	d.	d.	PROPN
fsr-3444	731	8	,	,	PUNCT
fsr-3444	731	9	bailey	bailey	PROPN
fsr-3444	731	10	,	,	PUNCT
fsr-3444	731	11	w.	w.	PROPN
fsr-3444	731	12	c.	c.	PROPN
fsr-3444	731	13	,	,	PUNCT
fsr-3444	731	14	devaney	devaney	PROPN
fsr-3444	731	15	,	,	PUNCT
fsr-3444	731	16	s.	s.	PROPN
fsr-3444	731	17	a.	a.	PROPN
fsr-3444	731	18	,	,	PUNCT
fsr-3444	731	19	grable	grable	PROPN
fsr-3444	731	20	,	,	PUNCT
fsr-3444	731	21	j.	j.	PROPN
fsr-3444	731	22	e.	e.	PROPN
fsr-3444	731	23	,	,	PUNCT
fsr-3444	731	24	leech	leech	NOUN
fsr-3444	731	25	,	,	PUNCT
fsr-3444	731	26	i.	i.	PROPN
fsr-3444	731	27	e.	e.	PROPN
fsr-3444	731	28	,	,	PUNCT
fsr-3444	731	29	.	.	PUNCT
fsr-3444	731	30	.	.	PUNCT
fsr-3444	731	31	.	.	PUNCT
fsr-3444	732	1	xiao	xiao	PROPN
fsr-3444	732	2	,	,	PUNCT
fsr-3444	732	3	j.	j.	PROPN
fsr-3444	732	4	j.	j.	PROPN
fsr-3444	732	5	(	(	PUNCT
fsr-3444	732	6	2007	2007	NUM
fsr-3444	732	7	)	)	PUNCT
fsr-3444	732	8	.	.	PUNCT
fsr-3444	733	1	personal	personal	ADJ
fsr-3444	733	2	finance	finance	NOUN
fsr-3444	733	3	:	:	PUNCT
fsr-3444	733	4	an	an	DET
fsr-3444	733	5	interdisciplinary	interdisciplinary	ADJ
fsr-3444	733	6	profession	profession	NOUN
fsr-3444	733	7	.	.	PUNCT
fsr-3444	734	1	journal	journal	NOUN
fsr-3444	734	2	of	of	ADP
fsr-3444	734	3	financial	financial	ADJ
fsr-3444	734	4	counseling	counseling	NOUN
fsr-3444	734	5	and	and	CCONJ
fsr-3444	734	6	planning	planning	NOUN
fsr-3444	734	7	,	,	PUNCT
fsr-3444	734	8	18	18	NUM
fsr-3444	734	9	,	,	PUNCT
fsr-3444	734	10	1	1	NUM
fsr-3444	734	11	-	-	SYM
fsr-3444	734	12	9	9	NUM
fsr-3444	734	13	.	.	PUNCT
fsr-3444	734	14	shefrin	shefrin	NOUN
fsr-3444	734	15	,	,	PUNCT
fsr-3444	734	16	h.	h.	PROPN
fsr-3444	734	17	m.	m.	PROPN
fsr-3444	734	18	,	,	PUNCT
fsr-3444	734	19	&	&	CCONJ
fsr-3444	734	20	thaler	thaler	PROPN
fsr-3444	734	21	,	,	PUNCT
fsr-3444	734	22	r.	r.	PROPN
fsr-3444	734	23	h.	h.	PROPN
fsr-3444	734	24	(	(	PUNCT
fsr-3444	734	25	1988	1988	NUM
fsr-3444	734	26	)	)	PUNCT
fsr-3444	734	27	.	.	PUNCT
fsr-3444	735	1	the	the	DET
fsr-3444	735	2	behavioral	behavioral	ADJ
fsr-3444	735	3	life	life	NOUN
fsr-3444	735	4	-	-	PUNCT
fsr-3444	735	5	cycle	cycle	NOUN
fsr-3444	735	6	hypothesis	hypothesis	NOUN
fsr-3444	735	7	.	.	PUNCT
fsr-3444	736	1	economic	economic	ADJ
fsr-3444	736	2	inquiry	inquiry	NOUN
fsr-3444	736	3	,	,	PUNCT
fsr-3444	736	4	26	26	NUM
fsr-3444	736	5	,	,	PUNCT
fsr-3444	736	6	609	609	NUM
fsr-3444	736	7	-	-	SYM
fsr-3444	736	8	643	643	NUM
fsr-3444	736	9	.	.	PUNCT
fsr-3444	737	1	thaler	thaler	PROPN
fsr-3444	737	2	,	,	PUNCT
fsr-3444	737	3	r.	r.	PROPN
fsr-3444	737	4	h.	h.	PROPN
fsr-3444	737	5	,	,	PUNCT
fsr-3444	737	6	&	&	CCONJ
fsr-3444	737	7	shefrin	shefrin	NOUN
fsr-3444	737	8	,	,	PUNCT
fsr-3444	737	9	h.	h.	PROPN
fsr-3444	737	10	m.	m.	PROPN
fsr-3444	737	11	(	(	PUNCT
fsr-3444	737	12	1981	1981	NUM
fsr-3444	737	13	)	)	PUNCT
fsr-3444	737	14	.	.	PUNCT
fsr-3444	738	1	an	an	DET
fsr-3444	738	2	economic	economic	ADJ
fsr-3444	738	3	theory	theory	NOUN
fsr-3444	738	4	of	of	ADP
fsr-3444	738	5	self	self	NOUN
fsr-3444	738	6	-	-	PUNCT
fsr-3444	738	7	control	control	NOUN
fsr-3444	738	8	.	.	PUNCT
fsr-3444	739	1	journal	journal	NOUN
fsr-3444	739	2	of	of	ADP
fsr-3444	739	3	political	political	ADJ
fsr-3444	739	4	economy	economy	NOUN
fsr-3444	739	5	,	,	PUNCT
fsr-3444	739	6	89	89	NUM
fsr-3444	739	7	,	,	PUNCT
fsr-3444	739	8	392	392	NUM
fsr-3444	739	9	-	-	SYM
fsr-3444	739	10	406	406	NUM
fsr-3444	739	11	.	.	PUNCT
fsr-3444	740	1	williams	williams	PROPN
fsr-3444	740	2	,	,	PUNCT
fsr-3444	740	3	a.	a.	PROPN
fsr-3444	740	4	a.	a.	PROPN
fsr-3444	740	5	,	,	PUNCT
fsr-3444	740	6	kehiaian	kehiaian	PROPN
fsr-3444	740	7	,	,	PUNCT
fsr-3444	740	8	s.	s.	PROPN
fsr-3444	740	9	e.	e.	PROPN
fsr-3444	740	10	,	,	PUNCT
fsr-3444	740	11	&	&	CCONJ
fsr-3444	740	12	bird	bird	PROPN
fsr-3444	740	13	,	,	PUNCT
fsr-3444	740	14	c.	c.	PROPN
fsr-3444	740	15	l.	l.	PROPN
fsr-3444	740	16	(	(	PUNCT
fsr-3444	740	17	2017	2017	NUM
fsr-3444	740	18	)	)	PUNCT
fsr-3444	740	19	.	.	PUNCT
fsr-3444	741	1	differences	difference	NOUN
fsr-3444	741	2	in	in	ADP
fsr-3444	741	3	financial	financial	ADJ
fsr-3444	741	4	actions	action	NOUN
fsr-3444	741	5	between	between	ADP
fsr-3444	741	6	chapter	chapter	NOUN
fsr-3444	741	7	13	13	NUM
fsr-3444	741	8	bankruptcy	bankruptcy	NOUN
fsr-3444	741	9	filers	filer	NOUN
fsr-3444	741	10	and	and	CCONJ
fsr-3444	741	11	non	non	NOUN
fsr-3444	741	12	-	-	NOUN
fsr-3444	741	13	filers	filer	NOUN
fsr-3444	741	14	.	.	PUNCT
fsr-3444	742	1	the	the	DET
fsr-3444	742	2	journal	journal	NOUN
fsr-3444	742	3	of	of	ADP
fsr-3444	742	4	applied	apply	VERB
fsr-3444	742	5	business	business	NOUN
fsr-3444	742	6	and	and	CCONJ
fsr-3444	742	7	economics	economic	NOUN
fsr-3444	742	8	,	,	PUNCT
fsr-3444	742	9	19	19	NUM
fsr-3444	742	10	,	,	PUNCT
fsr-3444	742	11	136	136	NUM
fsr-3444	742	12	-	-	SYM
fsr-3444	742	13	155	155	NUM
fsr-3444	742	14	.	.	PUNCT
fsr-3444	743	1	zhu	zhu	PROPN
fsr-3444	743	2	,	,	PUNCT
fsr-3444	743	3	n.	n.	PROPN
fsr-3444	743	4	(	(	PUNCT
fsr-3444	743	5	2011	2011	NUM
fsr-3444	743	6	)	)	PUNCT
fsr-3444	743	7	.	.	PUNCT
fsr-3444	744	1	household	household	NOUN
fsr-3444	744	2	consumption	consumption	NOUN
fsr-3444	744	3	and	and	CCONJ
fsr-3444	744	4	personal	personal	ADJ
fsr-3444	744	5	bankruptcy	bankruptcy	NOUN
fsr-3444	744	6	.	.	PUNCT
fsr-3444	745	1	the	the	DET
fsr-3444	745	2	journal	journal	NOUN
fsr-3444	745	3	of	of	ADP
fsr-3444	745	4	legal	legal	ADJ
fsr-3444	745	5	studies	study	NOUN
fsr-3444	745	6	,	,	PUNCT
fsr-3444	745	7	40	40	NUM
fsr-3444	745	8	,	,	PUNCT
fsr-3444	745	9	1	1	NUM
fsr-3444	745	10	-	-	SYM
fsr-3444	745	11	37	37	NUM
fsr-3444	745	12	.	.	PUNCT
fsr-3444	746	1	84	84	NUM
fsr-3444	746	2	s.	s.	PROPN
fsr-3444	746	3	e.	e.	PROPN
fsr-3444	746	4	kehiaian	kehiaian	PROPN
fsr-3444	746	5	et	et	PROPN
fsr-3444	746	6	al	al	PROPN
fsr-3444	746	7	.	.	PUNCT
fsr-3444	746	8	/	/	SYM
fsr-3444	746	9	financial	financial	ADJ
fsr-3444	746	10	services	service	NOUN
fsr-3444	746	11	review	review	VERB
fsr-3444	746	12	29	29	NUM
fsr-3444	746	13	(	(	PUNCT
fsr-3444	746	14	2021	2021	NUM
fsr-3444	746	15	)	)	PUNCT
fsr-3444	746	16	67–84	67–84	NOUN