id	sid	tid	token	lemma	pos
fsr-3449	1	1	who	who	PRON
fsr-3449	1	2	demands	demand	VERB
fsr-3449	1	3	which	which	DET
fsr-3449	1	4	type	type	NOUN
fsr-3449	1	5	of	of	ADP
fsr-3449	1	6	life	life	NOUN
fsr-3449	1	7	insurance	insurance	NOUN
fsr-3449	1	8	?	?	PUNCT
fsr-3449	2	1	various	various	ADJ
fsr-3449	2	2	factors	factor	NOUN
fsr-3449	2	3	in	in	ADP
fsr-3449	2	4	life	life	NOUN
fsr-3449	2	5	insurance	insurance	NOUN
fsr-3449	2	6	ownership	ownership	NOUN
fsr-3449	2	7	wookjae	wookjae	NOUN
fsr-3449	2	8	heoa	heoa	PROPN
fsr-3449	2	9	,	,	PUNCT
fsr-3449	2	10	*	*	PROPN
fsr-3449	2	11	,	,	PUNCT
fsr-3449	2	12	jae	jae	PROPN
fsr-3449	2	13	min	min	PROPN
fsr-3449	2	14	leeb	leeb	PROPN
fsr-3449	2	15	,	,	PUNCT
fsr-3449	2	16	narang	narang	PROPN
fsr-3449	2	17	parkc	parkc	PROPN
fsr-3449	2	18	adepartment	adepartment	NOUN
fsr-3449	2	19	of	of	ADP
fsr-3449	2	20	consumer	consumer	NOUN
fsr-3449	2	21	sciences	science	NOUN
fsr-3449	2	22	,	,	PUNCT
fsr-3449	2	23	south	south	PROPN
fsr-3449	2	24	dakota	dakota	PROPN
fsr-3449	2	25	state	state	PROPN
fsr-3449	2	26	university	university	PROPN
fsr-3449	2	27	,	,	PUNCT
fsr-3449	2	28	swg	swg	NOUN
fsr-3449	2	29	149	149	NUM
fsr-3449	2	30	,	,	PUNCT
fsr-3449	2	31	box	box	NOUN
fsr-3449	2	32	2275a	2275a	NUM
fsr-3449	2	33	,	,	PUNCT
fsr-3449	2	34	brookings	brookings	PROPN
fsr-3449	2	35	,	,	PUNCT
fsr-3449	2	36	sd	sd	ADP
fsr-3449	2	37	57007	57007	NUM
fsr-3449	2	38	,	,	PUNCT
fsr-3449	2	39	united	united	PROPN
fsr-3449	2	40	states	states	PROPN
fsr-3449	2	41	bdepartment	bdepartment	NOUN
fsr-3449	2	42	of	of	ADP
fsr-3449	2	43	family	family	NOUN
fsr-3449	2	44	consumer	consumer	NOUN
fsr-3449	2	45	science	science	NOUN
fsr-3449	2	46	,	,	PUNCT
fsr-3449	2	47	minnesota	minnesota	PROPN
fsr-3449	2	48	state	state	PROPN
fsr-3449	2	49	university	university	PROPN
fsr-3449	2	50	,	,	PUNCT
fsr-3449	2	51	mankato	mankato	PROPN
fsr-3449	2	52	,	,	PUNCT
fsr-3449	2	53	102	102	NUM
fsr-3449	2	54	wiecking	wiecking	NOUN
fsr-3449	2	55	center	center	NOUN
fsr-3449	2	56	,	,	PUNCT
fsr-3449	2	57	mankato	mankato	PROPN
fsr-3449	2	58	,	,	PUNCT
fsr-3449	2	59	mn	mn	PROPN
fsr-3449	2	60	56001	56001	NUM
fsr-3449	2	61	,	,	PUNCT
fsr-3449	2	62	united	united	PROPN
fsr-3449	2	63	states	states	PROPN
fsr-3449	2	64	cschool	cschool	NOUN
fsr-3449	2	65	of	of	ADP
fsr-3449	2	66	family	family	NOUN
fsr-3449	2	67	and	and	CCONJ
fsr-3449	2	68	consumer	consumer	NOUN
fsr-3449	2	69	sciences	sciences	PROPN
fsr-3449	2	70	,	,	PUNCT
fsr-3449	2	71	texas	texas	PROPN
fsr-3449	2	72	state	state	PROPN
fsr-3449	2	73	university	university	PROPN
fsr-3449	2	74	,	,	PUNCT
fsr-3449	2	75	601	601	NUM
fsr-3449	2	76	university	university	NOUN
fsr-3449	2	77	drive	drive	NOUN
fsr-3449	2	78	,	,	PUNCT
fsr-3449	2	79	san	san	PROPN
fsr-3449	2	80	marcos	marcos	PROPN
fsr-3449	2	81	,	,	PUNCT
fsr-3449	2	82	tx	tx	PROPN
fsr-3449	2	83	78666	78666	NUM
fsr-3449	2	84	,	,	PUNCT
fsr-3449	2	85	united	united	PROPN
fsr-3449	2	86	states	states	PROPN
fsr-3449	2	87	abstract	abstract	VERB
fsr-3449	2	88	this	this	DET
fsr-3449	2	89	study	study	NOUN
fsr-3449	2	90	examined	examine	VERB
fsr-3449	2	91	factors	factor	NOUN
fsr-3449	2	92	related	relate	VERB
fsr-3449	2	93	to	to	ADP
fsr-3449	2	94	the	the	DET
fsr-3449	2	95	ownership	ownership	NOUN
fsr-3449	2	96	of	of	ADP
fsr-3449	2	97	life	life	NOUN
fsr-3449	2	98	insurance	insurance	NOUN
fsr-3449	2	99	by	by	ADP
fsr-3449	2	100	focusing	focus	VERB
fsr-3449	2	101	on	on	ADP
fsr-3449	2	102	the	the	DET
fsr-3449	2	103	role	role	NOUN
fsr-3449	2	104	of	of	ADP
fsr-3449	2	105	the	the	DET
fsr-3449	2	106	psychological	psychological	ADJ
fsr-3449	2	107	characteristics	characteristic	NOUN
fsr-3449	2	108	of	of	ADP
fsr-3449	2	109	the	the	DET
fsr-3449	2	110	respondents	respondent	NOUN
fsr-3449	2	111	.	.	PUNCT
fsr-3449	3	1	using	use	VERB
fsr-3449	3	2	a	a	DET
fsr-3449	3	3	recent	recent	ADJ
fsr-3449	3	4	online	online	ADJ
fsr-3449	3	5	consumer	consumer	NOUN
fsr-3449	3	6	survey	survey	NOUN
fsr-3449	3	7	,	,	PUNCT
fsr-3449	3	8	logistic	logistic	ADJ
fsr-3449	3	9	regression	regression	NOUN
fsr-3449	3	10	analyses	analysis	NOUN
fsr-3449	3	11	were	be	AUX
fsr-3449	3	12	utilized	utilize	VERB
fsr-3449	3	13	based	base	VERB
fsr-3449	3	14	on	on	ADP
fsr-3449	3	15	four	four	NUM
fsr-3449	3	16	groups	group	NOUN
fsr-3449	3	17	:	:	PUNCT
fsr-3449	3	18	(	(	PUNCT
fsr-3449	3	19	a	a	X
fsr-3449	3	20	)	)	PUNCT
fsr-3449	3	21	not	not	PART
fsr-3449	3	22	having	have	VERB
fsr-3449	3	23	any	any	DET
fsr-3449	3	24	term	term	NOUN
fsr-3449	3	25	life	life	NOUN
fsr-3449	3	26	insurance	insurance	NOUN
fsr-3449	3	27	or	or	CCONJ
fsr-3449	3	28	cash	cash	NOUN
fsr-3449	3	29	value	value	NOUN
fsr-3449	3	30	life	life	NOUN
fsr-3449	3	31	insurance	insurance	NOUN
fsr-3449	3	32	;	;	PUNCT
fsr-3449	3	33	(	(	PUNCT
fsr-3449	3	34	b	b	X
fsr-3449	3	35	)	)	PUNCT
fsr-3449	3	36	having	have	VERB
fsr-3449	3	37	term	term	NOUN
fsr-3449	3	38	life	life	NOUN
fsr-3449	3	39	insurance	insurance	NOUN
fsr-3449	3	40	policy	policy	NOUN
fsr-3449	3	41	only	only	ADV
fsr-3449	3	42	;	;	PUNCT
fsr-3449	3	43	(	(	PUNCT
fsr-3449	3	44	c	c	X
fsr-3449	3	45	)	)	PUNCT
fsr-3449	3	46	having	have	VERB
fsr-3449	3	47	cash	cash	NOUN
fsr-3449	3	48	value	value	NOUN
fsr-3449	3	49	life	life	NOUN
fsr-3449	3	50	insurance	insurance	NOUN
fsr-3449	3	51	policy	policy	NOUN
fsr-3449	3	52	only	only	ADV
fsr-3449	3	53	;	;	PUNCT
fsr-3449	3	54	and	and	CCONJ
fsr-3449	3	55	(	(	PUNCT
fsr-3449	3	56	d	d	X
fsr-3449	3	57	)	)	PUNCT
fsr-3449	3	58	having	have	VERB
fsr-3449	3	59	both	both	PRON
fsr-3449	3	60	term	term	NOUN
fsr-3449	3	61	life	life	NOUN
fsr-3449	3	62	insurance	insurance	NOUN
fsr-3449	3	63	policy	policy	NOUN
fsr-3449	3	64	and	and	CCONJ
fsr-3449	3	65	cash	cash	NOUN
fsr-3449	3	66	value	value	NOUN
fsr-3449	3	67	life	life	NOUN
fsr-3449	3	68	insurance	insurance	NOUN
fsr-3449	3	69	policy	policy	NOUN
fsr-3449	3	70	.	.	PUNCT
fsr-3449	4	1	we	we	PRON
fsr-3449	4	2	found	find	VERB
fsr-3449	4	3	that	that	SCONJ
fsr-3449	4	4	all	all	PRON
fsr-3449	4	5	of	of	ADP
fsr-3449	4	6	the	the	DET
fsr-3449	4	7	financial	financial	ADJ
fsr-3449	4	8	status	status	NOUN
fsr-3449	4	9	and	and	CCONJ
fsr-3449	4	10	psychological	psychological	ADJ
fsr-3449	4	11	characteristics	characteristic	NOUN
fsr-3449	4	12	were	be	AUX
fsr-3449	4	13	significant	significant	ADJ
fsr-3449	4	14	,	,	PUNCT
fsr-3449	4	15	while	while	SCONJ
fsr-3449	4	16	some	some	PRON
fsr-3449	4	17	of	of	ADP
fsr-3449	4	18	the	the	DET
fsr-3449	4	19	demographic	demographic	ADJ
fsr-3449	4	20	characteristics	characteristic	NOUN
fsr-3449	4	21	were	be	AUX
fsr-3449	4	22	not	not	PART
fsr-3449	4	23	significant	significant	ADJ
fsr-3449	4	24	.	.	PUNCT
fsr-3449	5	1	the	the	DET
fsr-3449	5	2	specific	specific	ADJ
fsr-3449	5	3	effects	effect	NOUN
fsr-3449	5	4	of	of	ADP
fsr-3449	5	5	the	the	DET
fsr-3449	5	6	characteristics	characteristic	NOUN
fsr-3449	5	7	differ	differ	VERB
fsr-3449	5	8	by	by	ADP
fsr-3449	5	9	types	type	NOUN
fsr-3449	5	10	of	of	ADP
fsr-3449	5	11	ownership	ownership	NOUN
fsr-3449	5	12	.	.	PUNCT
fsr-3449	6	1	the	the	DET
fsr-3449	6	2	ownership	ownership	NOUN
fsr-3449	6	3	of	of	ADP
fsr-3449	6	4	term	term	NOUN
fsr-3449	6	5	value	value	NOUN
fsr-3449	6	6	life	life	NOUN
fsr-3449	6	7	insurance	insurance	NOUN
fsr-3449	6	8	was	be	AUX
fsr-3449	6	9	better	well	ADV
fsr-3449	6	10	explained	explain	VERB
fsr-3449	6	11	by	by	ADP
fsr-3449	6	12	financial	financial	ADJ
fsr-3449	6	13	and	and	CCONJ
fsr-3449	6	14	psychological	psychological	ADJ
fsr-3449	6	15	characteristics	characteristic	NOUN
fsr-3449	6	16	,	,	PUNCT
fsr-3449	6	17	whereas	whereas	SCONJ
fsr-3449	6	18	demographic	demographic	ADJ
fsr-3449	6	19	characteristics	characteristic	NOUN
fsr-3449	6	20	factored	factor	VERB
fsr-3449	6	21	more	more	ADV
fsr-3449	6	22	in	in	ADP
fsr-3449	6	23	the	the	DET
fsr-3449	6	24	ownership	ownership	NOUN
fsr-3449	6	25	of	of	ADP
fsr-3449	6	26	cash	cash	NOUN
fsr-3449	6	27	value	value	NOUN
fsr-3449	6	28	life	life	NOUN
fsr-3449	6	29	insurance	insurance	NOUN
fsr-3449	6	30	.	.	PUNCT
fsr-3449	7	1	discussion	discussion	NOUN
fsr-3449	7	2	and	and	CCONJ
fsr-3449	7	3	implications	implication	NOUN
fsr-3449	7	4	are	be	AUX
fsr-3449	7	5	provided	provide	VERB
fsr-3449	7	6	.	.	PUNCT
fsr-3449	8	1	©	©	PROPN
fsr-3449	8	2	2021	2021	NUM
fsr-3449	8	3	academy	academy	NOUN
fsr-3449	8	4	of	of	ADP
fsr-3449	8	5	financial	financial	ADJ
fsr-3449	8	6	services	service	NOUN
fsr-3449	8	7	.	.	PUNCT
fsr-3449	9	1	all	all	DET
fsr-3449	9	2	rights	right	NOUN
fsr-3449	9	3	reserved	reserve	VERB
fsr-3449	9	4	.	.	PUNCT
fsr-3449	10	1	keywords	keyword	NOUN
fsr-3449	10	2	:	:	PUNCT
fsr-3449	10	3	life	life	NOUN
fsr-3449	10	4	insurance	insurance	NOUN
fsr-3449	10	5	;	;	PUNCT
fsr-3449	10	6	term	term	NOUN
fsr-3449	10	7	life	life	NOUN
fsr-3449	10	8	insurance	insurance	NOUN
fsr-3449	10	9	;	;	PUNCT
fsr-3449	10	10	cash	cash	NOUN
fsr-3449	10	11	value	value	NOUN
fsr-3449	10	12	life	life	NOUN
fsr-3449	10	13	insurance	insurance	NOUN
fsr-3449	10	14	;	;	PUNCT
fsr-3449	10	15	psychological	psychological	ADJ
fsr-3449	10	16	characteristics	characteristic	NOUN
fsr-3449	10	17	1	1	NUM
fsr-3449	10	18	.	.	PUNCT
fsr-3449	11	1	introduction	introduction	NOUN
fsr-3449	11	2	:	:	PUNCT
fsr-3449	11	3	the	the	DET
fsr-3449	11	4	need	need	NOUN
fsr-3449	11	5	to	to	PART
fsr-3449	11	6	understand	understand	VERB
fsr-3449	11	7	the	the	DET
fsr-3449	11	8	demand	demand	NOUN
fsr-3449	11	9	for	for	ADP
fsr-3449	11	10	life	life	NOUN
fsr-3449	11	11	insurance	insurance	NOUN
fsr-3449	11	12	life	life	NOUN
fsr-3449	11	13	insurance	insurance	NOUN
fsr-3449	11	14	is	be	AUX
fsr-3449	11	15	primarily	primarily	ADV
fsr-3449	11	16	designed	design	VERB
fsr-3449	11	17	to	to	PART
fsr-3449	11	18	protect	protect	VERB
fsr-3449	11	19	the	the	DET
fsr-3449	11	20	insured	insure	VERB
fsr-3449	11	21	against	against	ADP
fsr-3449	11	22	the	the	DET
fsr-3449	11	23	possibility	possibility	NOUN
fsr-3449	11	24	of	of	ADP
fsr-3449	11	25	losing	lose	VERB
fsr-3449	11	26	an	an	DET
fsr-3449	11	27	income	income	NOUN
fsr-3449	11	28	stream	stream	NOUN
fsr-3449	11	29	,	,	PUNCT
fsr-3449	11	30	such	such	ADJ
fsr-3449	11	31	as	as	ADP
fsr-3449	11	32	the	the	DET
fsr-3449	11	33	premature	premature	ADJ
fsr-3449	11	34	death	death	NOUN
fsr-3449	11	35	of	of	ADP
fsr-3449	11	36	the	the	DET
fsr-3449	11	37	family	family	NOUN
fsr-3449	11	38	breadwinner	breadwinner	NOUN
fsr-3449	11	39	,	,	PUNCT
fsr-3449	11	40	which	which	PRON
fsr-3449	11	41	is	be	AUX
fsr-3449	11	42	the	the	DET
fsr-3449	11	43	purpose	purpose	NOUN
fsr-3449	11	44	of	of	ADP
fsr-3449	11	45	all	all	DET
fsr-3449	11	46	types	type	NOUN
fsr-3449	11	47	of	of	ADP
fsr-3449	11	48	life	life	NOUN
fsr-3449	11	49	insurance	insurance	NOUN
fsr-3449	11	50	(	(	PUNCT
fsr-3449	11	51	thoyts	thoyts	PROPN
fsr-3449	11	52	,	,	PUNCT
fsr-3449	11	53	2010	2010	NUM
fsr-3449	11	54	)	)	PUNCT
fsr-3449	11	55	.	.	PUNCT
fsr-3449	12	1	term	term	NOUN
fsr-3449	12	2	life	life	NOUN
fsr-3449	12	3	insurance	insurance	NOUN
fsr-3449	12	4	is	be	AUX
fsr-3449	12	5	specifically	specifically	ADV
fsr-3449	12	6	*	*	PUNCT
fsr-3449	12	7	corresponding	correspond	VERB
fsr-3449	12	8	author	author	NOUN
fsr-3449	12	9	.	.	PUNCT
fsr-3449	13	1	tel	tel	PROPN
fsr-3449	13	2	.	.	PUNCT
fsr-3449	13	3	:	:	PUNCT
fsr-3449	14	1	+1	+1	PROPN
fsr-3449	14	2	-	-	PUNCT
fsr-3449	14	3	605	605	NUM
fsr-3449	14	4	-	-	PUNCT
fsr-3449	14	5	688	688	NUM
fsr-3449	14	6	-	-	PUNCT
fsr-3449	14	7	5835	5835	NUM
fsr-3449	14	8	;	;	PUNCT
fsr-3449	14	9	fax	fax	NOUN
fsr-3449	14	10	:	:	PUNCT
fsr-3449	14	11	1	1	NUM
fsr-3449	14	12	-	-	SYM
fsr-3449	14	13	605	605	NUM
fsr-3449	14	14	-	-	PUNCT
fsr-3449	14	15	668	668	NUM
fsr-3449	14	16	-	-	NUM
fsr-3449	14	17	5578	5578	NUM
fsr-3449	14	18	.	.	PUNCT
fsr-3449	15	1	e	e	X
fsr-3449	15	2	-	-	NOUN
fsr-3449	15	3	mail	mail	NOUN
fsr-3449	15	4	address	address	NOUN
fsr-3449	15	5	:	:	PUNCT
fsr-3449	15	6	wookjae.heo@sdstate.edu	wookjae.heo@sdstate.edu	PROPN
fsr-3449	15	7	(	(	PUNCT
fsr-3449	15	8	w.	w.	PROPN
fsr-3449	15	9	heo	heo	PROPN
fsr-3449	15	10	)	)	PUNCT
fsr-3449	15	11	1057	1057	NUM
fsr-3449	15	12	-	-	SYM
fsr-3449	15	13	0810/21/$	0810/21/$	NUM
fsr-3449	15	14	–	–	PUNCT
fsr-3449	15	15	see	see	VERB
fsr-3449	15	16	front	front	ADJ
fsr-3449	15	17	matter	matter	NOUN
fsr-3449	15	18	©	©	PROPN
fsr-3449	15	19	2021	2021	NUM
fsr-3449	15	20	academy	academy	NOUN
fsr-3449	15	21	of	of	ADP
fsr-3449	15	22	financial	financial	ADJ
fsr-3449	15	23	services	service	NOUN
fsr-3449	15	24	.	.	PUNCT
fsr-3449	16	1	all	all	DET
fsr-3449	16	2	rights	right	NOUN
fsr-3449	16	3	reserved	reserve	VERB
fsr-3449	16	4	.	.	PUNCT
fsr-3449	17	1	financial	financial	ADJ
fsr-3449	17	2	services	service	NOUN
fsr-3449	17	3	review	review	VERB
fsr-3449	17	4	29	29	NUM
fsr-3449	17	5	(	(	PUNCT
fsr-3449	17	6	2021	2021	NUM
fsr-3449	17	7	)	)	PUNCT
fsr-3449	17	8	101–119	101–119	NUM
fsr-3449	17	9	designed	design	VERB
fsr-3449	17	10	to	to	PART
fsr-3449	17	11	provide	provide	VERB
fsr-3449	17	12	a	a	DET
fsr-3449	17	13	death	death	NOUN
fsr-3449	17	14	benefit	benefit	NOUN
fsr-3449	17	15	with	with	ADP
fsr-3449	17	16	a	a	DET
fsr-3449	17	17	relatively	relatively	ADV
fsr-3449	17	18	cheaper	cheap	ADJ
fsr-3449	17	19	insurance	insurance	NOUN
fsr-3449	17	20	premium	premium	NOUN
fsr-3449	17	21	(	(	PUNCT
fsr-3449	17	22	gitman	gitman	NOUN
fsr-3449	17	23	,	,	PUNCT
fsr-3449	17	24	joehnk	joehnk	PROPN
fsr-3449	17	25	,	,	PUNCT
fsr-3449	17	26	&	&	CCONJ
fsr-3449	17	27	billingsley	billingsley	PROPN
fsr-3449	17	28	,	,	PUNCT
fsr-3449	17	29	2014	2014	NUM
fsr-3449	17	30	)	)	PUNCT
fsr-3449	17	31	.	.	PUNCT
fsr-3449	18	1	on	on	ADP
fsr-3449	18	2	the	the	DET
fsr-3449	18	3	contrary	contrary	NOUN
fsr-3449	18	4	,	,	PUNCT
fsr-3449	18	5	cash	cash	NOUN
fsr-3449	18	6	value	value	NOUN
fsr-3449	18	7	life	life	NOUN
fsr-3449	18	8	insurance	insurance	NOUN
fsr-3449	18	9	charges	charge	VERB
fsr-3449	18	10	a	a	DET
fsr-3449	18	11	higher	high	ADJ
fsr-3449	18	12	premium	premium	NOUN
fsr-3449	18	13	to	to	PART
fsr-3449	18	14	provide	provide	VERB
fsr-3449	18	15	a	a	DET
fsr-3449	18	16	savings	saving	NOUN
fsr-3449	18	17	element	element	NOUN
fsr-3449	18	18	in	in	ADP
fsr-3449	18	19	addition	addition	NOUN
fsr-3449	18	20	to	to	ADP
fsr-3449	18	21	a	a	DET
fsr-3449	18	22	death	death	NOUN
fsr-3449	18	23	benefit	benefit	NOUN
fsr-3449	18	24	;	;	PUNCT
fsr-3449	18	25	this	this	DET
fsr-3449	18	26	savings	saving	NOUN
fsr-3449	18	27	element	element	NOUN
fsr-3449	18	28	is	be	AUX
fsr-3449	18	29	called	call	VERB
fsr-3449	18	30	the	the	DET
fsr-3449	18	31	“	"	PUNCT
fsr-3449	18	32	cash	cash	NOUN
fsr-3449	18	33	value	value	NOUN
fsr-3449	18	34	”	"	PUNCT
fsr-3449	18	35	element	element	NOUN
fsr-3449	18	36	(	(	PUNCT
fsr-3449	18	37	rejda	rejda	NOUN
fsr-3449	18	38	&	&	CCONJ
fsr-3449	18	39	mcnamara	mcnamara	PROPN
fsr-3449	18	40	,	,	PUNCT
fsr-3449	18	41	2016	2016	NUM
fsr-3449	18	42	)	)	PUNCT
fsr-3449	18	43	.	.	PUNCT
fsr-3449	19	1	the	the	DET
fsr-3449	19	2	main	main	ADJ
fsr-3449	19	3	differences	difference	NOUN
fsr-3449	19	4	between	between	ADP
fsr-3449	19	5	term	term	NOUN
fsr-3449	19	6	life	life	NOUN
fsr-3449	19	7	insurance	insurance	NOUN
fsr-3449	19	8	and	and	CCONJ
fsr-3449	19	9	cash	cash	NOUN
fsr-3449	19	10	value	value	NOUN
fsr-3449	19	11	life	life	NOUN
fsr-3449	19	12	insurance	insurance	NOUN
fsr-3449	19	13	,	,	PUNCT
fsr-3449	19	14	as	as	ADV
fsr-3449	19	15	well	well	ADV
fsr-3449	19	16	as	as	ADP
fsr-3449	19	17	suggestions	suggestion	NOUN
fsr-3449	19	18	for	for	ADP
fsr-3449	19	19	consumers	consumer	NOUN
fsr-3449	19	20	,	,	PUNCT
fsr-3449	19	21	can	can	AUX
fsr-3449	19	22	be	be	AUX
fsr-3449	19	23	discussed	discuss	VERB
fsr-3449	19	24	with	with	ADP
fsr-3449	19	25	a	a	DET
fsr-3449	19	26	financial	financial	ADJ
fsr-3449	19	27	planner	planner	NOUN
fsr-3449	19	28	.	.	PUNCT
fsr-3449	20	1	whereas	whereas	SCONJ
fsr-3449	20	2	term	term	NOUN
fsr-3449	20	3	life	life	NOUN
fsr-3449	20	4	insurance	insurance	NOUN
fsr-3449	20	5	has	have	VERB
fsr-3449	20	6	the	the	DET
fsr-3449	20	7	sole	sole	ADJ
fsr-3449	20	8	purpose	purpose	NOUN
fsr-3449	20	9	of	of	ADP
fsr-3449	20	10	protecting	protect	VERB
fsr-3449	20	11	lost	lost	ADJ
fsr-3449	20	12	income	income	NOUN
fsr-3449	20	13	,	,	PUNCT
fsr-3449	20	14	cash	cash	NOUN
fsr-3449	20	15	value	value	NOUN
fsr-3449	20	16	life	life	NOUN
fsr-3449	20	17	insurance	insurance	NOUN
fsr-3449	20	18	is	be	AUX
fsr-3449	20	19	more	more	ADV
fsr-3449	20	20	likely	likely	ADJ
fsr-3449	20	21	to	to	PART
fsr-3449	20	22	be	be	AUX
fsr-3449	20	23	the	the	DET
fsr-3449	20	24	product	product	NOUN
fsr-3449	20	25	of	of	ADP
fsr-3449	20	26	financial	financial	ADJ
fsr-3449	20	27	planning	planning	NOUN
fsr-3449	20	28	.	.	PUNCT
fsr-3449	21	1	for	for	ADP
fsr-3449	21	2	example	example	NOUN
fsr-3449	21	3	,	,	PUNCT
fsr-3449	21	4	cash	cash	NOUN
fsr-3449	21	5	value	value	NOUN
fsr-3449	21	6	life	life	NOUN
fsr-3449	21	7	insurance	insurance	NOUN
fsr-3449	21	8	can	can	AUX
fsr-3449	21	9	have	have	VERB
fsr-3449	21	10	a	a	DET
fsr-3449	21	11	strategic	strategic	ADJ
fsr-3449	21	12	financial	financial	ADJ
fsr-3449	21	13	planning	planning	NOUN
fsr-3449	21	14	purpose	purpose	NOUN
fsr-3449	21	15	,	,	PUNCT
fsr-3449	21	16	with	with	ADP
fsr-3449	21	17	tax	tax	NOUN
fsr-3449	21	18	-	-	PUNCT
fsr-3449	21	19	deferred	defer	VERB
fsr-3449	21	20	savings	saving	NOUN
fsr-3449	21	21	on	on	ADP
fsr-3449	21	22	estates	estate	NOUN
fsr-3449	21	23	,	,	PUNCT
fsr-3449	21	24	income	income	NOUN
fsr-3449	21	25	,	,	PUNCT
fsr-3449	21	26	and	and	CCONJ
fsr-3449	21	27	bequests	bequest	NOUN
fsr-3449	21	28	(	(	PUNCT
fsr-3449	21	29	clark	clark	NOUN
fsr-3449	21	30	,	,	PUNCT
fsr-3449	21	31	2010	2010	NUM
fsr-3449	21	32	;	;	PUNCT
fsr-3449	21	33	cymbal	cymbal	NOUN
fsr-3449	21	34	,	,	PUNCT
fsr-3449	21	35	2013	2013	NUM
fsr-3449	21	36	;	;	PUNCT
fsr-3449	21	37	kait	kait	PROPN
fsr-3449	21	38	,	,	PUNCT
fsr-3449	21	39	2012	2012	NUM
fsr-3449	21	40	;	;	PUNCT
fsr-3449	21	41	whitelaw	whitelaw	PROPN
fsr-3449	21	42	,	,	PUNCT
fsr-3449	21	43	2014	2014	NUM
fsr-3449	21	44	)	)	PUNCT
fsr-3449	21	45	.	.	PUNCT
fsr-3449	22	1	in	in	ADP
fsr-3449	22	2	addition	addition	NOUN
fsr-3449	22	3	,	,	PUNCT
fsr-3449	22	4	cash	cash	NOUN
fsr-3449	22	5	value	value	NOUN
fsr-3449	22	6	life	life	NOUN
fsr-3449	22	7	insurance	insurance	NOUN
fsr-3449	22	8	can	can	AUX
fsr-3449	22	9	be	be	AUX
fsr-3449	22	10	a	a	DET
fsr-3449	22	11	financial	financial	ADJ
fsr-3449	22	12	option	option	NOUN
fsr-3449	22	13	for	for	ADP
fsr-3449	22	14	retirement	retirement	NOUN
fsr-3449	22	15	savings	saving	NOUN
fsr-3449	22	16	(	(	PUNCT
fsr-3449	22	17	tannahill	tannahill	NOUN
fsr-3449	22	18	,	,	PUNCT
fsr-3449	22	19	2012	2012	NUM
fsr-3449	22	20	)	)	PUNCT
fsr-3449	22	21	and	and	CCONJ
fsr-3449	22	22	investment	investment	NOUN
fsr-3449	22	23	tools	tool	NOUN
fsr-3449	22	24	(	(	PUNCT
fsr-3449	22	25	cordell	cordell	PROPN
fsr-3449	22	26	&	&	CCONJ
fsr-3449	22	27	landgon	landgon	PROPN
fsr-3449	22	28	,	,	PUNCT
fsr-3449	22	29	2013	2013	NUM
fsr-3449	22	30	)	)	PUNCT
fsr-3449	22	31	.	.	PUNCT
fsr-3449	23	1	therefore	therefore	ADV
fsr-3449	23	2	,	,	PUNCT
fsr-3449	23	3	many	many	ADJ
fsr-3449	23	4	strategies	strategy	NOUN
fsr-3449	23	5	in	in	ADP
fsr-3449	23	6	financial	financial	ADJ
fsr-3449	23	7	planning	planning	NOUN
fsr-3449	23	8	can	can	AUX
fsr-3449	23	9	be	be	AUX
fsr-3449	23	10	related	relate	VERB
fsr-3449	23	11	to	to	ADP
fsr-3449	23	12	the	the	DET
fsr-3449	23	13	purchase	purchase	NOUN
fsr-3449	23	14	of	of	ADP
fsr-3449	23	15	cash	cash	NOUN
fsr-3449	23	16	value	value	NOUN
fsr-3449	23	17	life	life	NOUN
fsr-3449	23	18	insurance	insurance	NOUN
fsr-3449	23	19	(	(	PUNCT
fsr-3449	23	20	grable	grable	ADJ
fsr-3449	23	21	,	,	PUNCT
fsr-3449	23	22	2016	2016	NUM
fsr-3449	23	23	)	)	PUNCT
fsr-3449	23	24	.	.	PUNCT
fsr-3449	24	1	theoretically	theoretically	ADV
fsr-3449	24	2	,	,	PUNCT
fsr-3449	24	3	the	the	DET
fsr-3449	24	4	choice	choice	NOUN
fsr-3449	24	5	between	between	ADP
fsr-3449	24	6	term	term	NOUN
fsr-3449	24	7	life	life	NOUN
fsr-3449	24	8	insurance	insurance	NOUN
fsr-3449	24	9	and	and	CCONJ
fsr-3449	24	10	cash	cash	NOUN
fsr-3449	24	11	value	value	NOUN
fsr-3449	24	12	life	life	NOUN
fsr-3449	24	13	insurance	insurance	NOUN
fsr-3449	24	14	depends	depend	VERB
fsr-3449	24	15	on	on	ADP
fsr-3449	24	16	consumers	consumer	NOUN
fsr-3449	24	17	’	'	PUNCT
fsr-3449	24	18	specific	specific	ADJ
fsr-3449	24	19	financial	financial	ADJ
fsr-3449	24	20	needs	need	NOUN
fsr-3449	24	21	and	and	CCONJ
fsr-3449	24	22	situations	situation	NOUN
fsr-3449	24	23	(	(	PUNCT
fsr-3449	24	24	gitman	gitman	NOUN
fsr-3449	24	25	et	et	PROPN
fsr-3449	24	26	al	al	PROPN
fsr-3449	24	27	.	.	PROPN
fsr-3449	24	28	,	,	PUNCT
fsr-3449	24	29	2014	2014	NUM
fsr-3449	24	30	;	;	PUNCT
fsr-3449	24	31	grable	grable	NOUN
fsr-3449	24	32	,	,	PUNCT
fsr-3449	24	33	2016	2016	NUM
fsr-3449	24	34	)	)	PUNCT
fsr-3449	24	35	.	.	PUNCT
fsr-3449	25	1	however	however	ADV
fsr-3449	25	2	,	,	PUNCT
fsr-3449	25	3	the	the	DET
fsr-3449	25	4	decision	decision	NOUN
fsr-3449	25	5	regarding	regard	VERB
fsr-3449	25	6	which	which	DET
fsr-3449	25	7	life	life	NOUN
fsr-3449	25	8	insurance	insurance	NOUN
fsr-3449	25	9	policy	policy	NOUN
fsr-3449	25	10	is	be	AUX
fsr-3449	25	11	the	the	DET
fsr-3449	25	12	best	good	ADJ
fsr-3449	25	13	option	option	NOUN
fsr-3449	25	14	is	be	AUX
fsr-3449	25	15	still	still	ADV
fsr-3449	25	16	in	in	ADP
fsr-3449	25	17	question	question	NOUN
fsr-3449	25	18	for	for	ADP
fsr-3449	25	19	many	many	ADJ
fsr-3449	25	20	individual	individual	ADJ
fsr-3449	25	21	consumers	consumer	NOUN
fsr-3449	25	22	.	.	PUNCT
fsr-3449	26	1	although	although	SCONJ
fsr-3449	26	2	roughly	roughly	ADV
fsr-3449	26	3	three	three	NUM
fsr-3449	26	4	types	type	NOUN
fsr-3449	26	5	of	of	ADP
fsr-3449	26	6	life	life	NOUN
fsr-3449	26	7	insurance	insurance	NOUN
fsr-3449	26	8	can	can	AUX
fsr-3449	26	9	be	be	AUX
fsr-3449	26	10	discussed	discuss	VERB
fsr-3449	26	11	and	and	CCONJ
fsr-3449	26	12	evaluated	evaluated	ADJ
fsr-3449	26	13	—	—	PUNCT
fsr-3449	26	14	term	term	NOUN
fsr-3449	26	15	life	life	NOUN
fsr-3449	26	16	insurance	insurance	NOUN
fsr-3449	26	17	,	,	PUNCT
fsr-3449	26	18	cash	cash	NOUN
fsr-3449	26	19	value	value	NOUN
fsr-3449	26	20	life	life	NOUN
fsr-3449	26	21	insurance	insurance	NOUN
fsr-3449	26	22	,	,	PUNCT
fsr-3449	26	23	and	and	CCONJ
fsr-3449	26	24	group	group	NOUN
fsr-3449	26	25	life	life	NOUN
fsr-3449	26	26	insurance	insurance	NOUN
fsr-3449	26	27	—	—	PUNCT
fsr-3449	26	28	the	the	DET
fsr-3449	26	29	focus	focus	NOUN
fsr-3449	26	30	of	of	ADP
fsr-3449	26	31	such	such	DET
fsr-3449	26	32	an	an	DET
fsr-3449	26	33	argument	argument	NOUN
fsr-3449	26	34	made	make	VERB
fsr-3449	26	35	by	by	ADP
fsr-3449	26	36	practitioners	practitioner	NOUN
fsr-3449	26	37	is	be	AUX
fsr-3449	26	38	often	often	ADV
fsr-3449	26	39	placed	place	VERB
fsr-3449	26	40	on	on	ADP
fsr-3449	26	41	the	the	DET
fsr-3449	26	42	first	first	ADJ
fsr-3449	26	43	two	two	NUM
fsr-3449	26	44	types	type	NOUN
fsr-3449	26	45	of	of	ADP
fsr-3449	26	46	life	life	NOUN
fsr-3449	26	47	insurance	insurance	NOUN
fsr-3449	26	48	,	,	PUNCT
fsr-3449	26	49	considering	consider	VERB
fsr-3449	26	50	the	the	DET
fsr-3449	26	51	fact	fact	NOUN
fsr-3449	26	52	that	that	SCONJ
fsr-3449	26	53	group	group	NOUN
fsr-3449	26	54	life	life	NOUN
fsr-3449	26	55	insurance	insurance	NOUN
fsr-3449	26	56	provided	provide	VERB
fsr-3449	26	57	by	by	ADP
fsr-3449	26	58	employers	employer	NOUN
fsr-3449	26	59	often	often	ADV
fsr-3449	26	60	comes	come	VERB
fsr-3449	26	61	without	without	ADP
fsr-3449	26	62	multiple	multiple	ADJ
fsr-3449	26	63	options	option	NOUN
fsr-3449	26	64	for	for	ADP
fsr-3449	26	65	individual	individual	ADJ
fsr-3449	26	66	purchases	purchase	NOUN
fsr-3449	26	67	(	(	PUNCT
fsr-3449	26	68	rejda	rejda	NOUN
fsr-3449	26	69	&	&	CCONJ
fsr-3449	26	70	mcnamara	mcnamara	PROPN
fsr-3449	26	71	,	,	PUNCT
fsr-3449	26	72	2016	2016	NUM
fsr-3449	26	73	)	)	PUNCT
fsr-3449	26	74	.	.	PUNCT
fsr-3449	27	1	although	although	SCONJ
fsr-3449	27	2	this	this	DET
fsr-3449	27	3	question	question	NOUN
fsr-3449	27	4	is	be	AUX
fsr-3449	27	5	repeatedly	repeatedly	ADV
fsr-3449	27	6	asked	ask	VERB
fsr-3449	27	7	by	by	ADP
fsr-3449	27	8	numerous	numerous	ADJ
fsr-3449	27	9	individual	individual	ADJ
fsr-3449	27	10	consumers	consumer	NOUN
fsr-3449	27	11	,	,	PUNCT
fsr-3449	27	12	it	it	PRON
fsr-3449	27	13	is	be	AUX
fsr-3449	27	14	debatable	debatable	ADJ
fsr-3449	27	15	even	even	ADV
fsr-3449	27	16	among	among	ADP
fsr-3449	27	17	financial	financial	ADJ
fsr-3449	27	18	practitioners	practitioner	NOUN
fsr-3449	27	19	as	as	ADP
fsr-3449	27	20	to	to	ADP
fsr-3449	27	21	who	who	PRON
fsr-3449	27	22	actually	actually	ADV
fsr-3449	27	23	needs	need	VERB
fsr-3449	27	24	term	term	NOUN
fsr-3449	27	25	life	life	NOUN
fsr-3449	27	26	insurance	insurance	NOUN
fsr-3449	27	27	versus	versus	ADP
fsr-3449	27	28	cash	cash	NOUN
fsr-3449	27	29	value	value	NOUN
fsr-3449	27	30	life	life	NOUN
fsr-3449	27	31	insurance	insurance	NOUN
fsr-3449	27	32	.	.	PUNCT
fsr-3449	28	1	the	the	DET
fsr-3449	28	2	question	question	NOUN
fsr-3449	28	3	is	be	AUX
fsr-3449	28	4	unlikely	unlikely	ADJ
fsr-3449	28	5	to	to	PART
fsr-3449	28	6	be	be	AUX
fsr-3449	28	7	answered	answer	VERB
fsr-3449	28	8	when	when	SCONJ
fsr-3449	28	9	factors	factor	NOUN
fsr-3449	28	10	come	come	VERB
fsr-3449	28	11	into	into	ADP
fsr-3449	28	12	play	play	NOUN
fsr-3449	28	13	beyond	beyond	ADP
fsr-3449	28	14	classical	classical	ADJ
fsr-3449	28	15	demographic	demographic	ADJ
fsr-3449	28	16	and	and	CCONJ
fsr-3449	28	17	functional	functional	ADJ
fsr-3449	28	18	characteristics	characteristic	NOUN
fsr-3449	28	19	and	and	CCONJ
fsr-3449	28	20	expected	expect	VERB
fsr-3449	28	21	demand	demand	NOUN
fsr-3449	28	22	,	,	PUNCT
fsr-3449	28	23	accordingly	accordingly	ADV
fsr-3449	28	24	.	.	PUNCT
fsr-3449	29	1	the	the	DET
fsr-3449	29	2	functional	functional	ADJ
fsr-3449	29	3	characteristics	characteristic	NOUN
fsr-3449	29	4	of	of	ADP
fsr-3449	29	5	life	life	NOUN
fsr-3449	29	6	insurance	insurance	NOUN
fsr-3449	29	7	purchases	purchase	NOUN
fsr-3449	29	8	,	,	PUNCT
fsr-3449	29	9	such	such	ADJ
fsr-3449	29	10	as	as	ADP
fsr-3449	29	11	maintaining	maintain	VERB
fsr-3449	29	12	or	or	CCONJ
fsr-3449	29	13	improving	improve	VERB
fsr-3449	29	14	financial	financial	ADJ
fsr-3449	29	15	security	security	NOUN
fsr-3449	29	16	,	,	PUNCT
fsr-3449	29	17	as	as	ADV
fsr-3449	29	18	well	well	ADV
fsr-3449	29	19	as	as	ADP
fsr-3449	29	20	the	the	DET
fsr-3449	29	21	psychological	psychological	ADJ
fsr-3449	29	22	characteristics	characteristic	NOUN
fsr-3449	29	23	of	of	ADP
fsr-3449	29	24	such	such	ADJ
fsr-3449	29	25	purchases	purchase	NOUN
fsr-3449	29	26	,	,	PUNCT
fsr-3449	29	27	including	include	VERB
fsr-3449	29	28	feelings	feeling	NOUN
fsr-3449	29	29	of	of	ADP
fsr-3449	29	30	comfort	comfort	NOUN
fsr-3449	29	31	and	and	CCONJ
fsr-3449	29	32	recognition	recognition	NOUN
fsr-3449	29	33	,	,	PUNCT
fsr-3449	29	34	can	can	AUX
fsr-3449	29	35	lead	lead	VERB
fsr-3449	29	36	to	to	ADP
fsr-3449	29	37	these	these	DET
fsr-3449	29	38	purchases	purchase	NOUN
fsr-3449	29	39	being	be	AUX
fsr-3449	29	40	made	make	VERB
fsr-3449	29	41	(	(	PUNCT
fsr-3449	29	42	grable	grable	PROPN
fsr-3449	29	43	&	&	CCONJ
fsr-3449	29	44	goetz	goetz	PROPN
fsr-3449	29	45	,	,	PUNCT
fsr-3449	29	46	2017	2017	NUM
fsr-3449	29	47	)	)	PUNCT
fsr-3449	29	48	.	.	PUNCT
fsr-3449	30	1	song	song	PROPN
fsr-3449	30	2	,	,	PUNCT
fsr-3449	30	3	park	park	NOUN
fsr-3449	30	4	,	,	PUNCT
fsr-3449	30	5	park	park	NOUN
fsr-3449	30	6	,	,	PUNCT
fsr-3449	30	7	and	and	CCONJ
fsr-3449	30	8	heo	heo	PROPN
fsr-3449	30	9	(	(	PUNCT
fsr-3449	30	10	2019	2019	NUM
fsr-3449	30	11	)	)	PUNCT
fsr-3449	30	12	also	also	ADV
fsr-3449	30	13	emphasized	emphasize	VERB
fsr-3449	30	14	that	that	SCONJ
fsr-3449	30	15	the	the	DET
fsr-3449	30	16	consumer	consumer	NOUN
fsr-3449	30	17	’s	’s	PART
fsr-3449	30	18	personal	personal	ADJ
fsr-3449	30	19	experience	experience	NOUN
fsr-3449	30	20	(	(	PUNCT
fsr-3449	30	21	i.e.	i.e.	X
fsr-3449	30	22	,	,	PUNCT
fsr-3449	30	23	death	death	NOUN
fsr-3449	30	24	of	of	ADP
fsr-3449	30	25	a	a	DET
fsr-3449	30	26	family	family	NOUN
fsr-3449	30	27	member	member	NOUN
fsr-3449	30	28	)	)	PUNCT
fsr-3449	30	29	can	can	AUX
fsr-3449	30	30	spark	spark	VERB
fsr-3449	30	31	a	a	DET
fsr-3449	30	32	life	life	NOUN
fsr-3449	30	33	insurance	insurance	NOUN
fsr-3449	30	34	purchase	purchase	NOUN
fsr-3449	30	35	,	,	PUNCT
fsr-3449	30	36	in	in	ADP
fsr-3449	30	37	addition	addition	NOUN
fsr-3449	30	38	to	to	ADP
fsr-3449	30	39	his	his	PRON
fsr-3449	30	40	or	or	CCONJ
fsr-3449	30	41	her	her	PRON
fsr-3449	30	42	financial	financial	ADJ
fsr-3449	30	43	circumstances	circumstance	NOUN
fsr-3449	30	44	.	.	PUNCT
fsr-3449	31	1	if	if	SCONJ
fsr-3449	31	2	a	a	DET
fsr-3449	31	3	financial	financial	ADJ
fsr-3449	31	4	planner	planner	NOUN
fsr-3449	31	5	leans	lean	VERB
fsr-3449	31	6	only	only	ADV
fsr-3449	31	7	on	on	ADP
fsr-3449	31	8	the	the	DET
fsr-3449	31	9	functional	functional	ADJ
fsr-3449	31	10	characteristics	characteristic	NOUN
fsr-3449	31	11	of	of	ADP
fsr-3449	31	12	the	the	DET
fsr-3449	31	13	purchases	purchase	NOUN
fsr-3449	31	14	,	,	PUNCT
fsr-3449	31	15	there	there	PRON
fsr-3449	31	16	may	may	AUX
fsr-3449	31	17	arise	arise	VERB
fsr-3449	31	18	communication	communication	NOUN
fsr-3449	31	19	conflicts	conflict	NOUN
fsr-3449	31	20	between	between	ADP
fsr-3449	31	21	the	the	DET
fsr-3449	31	22	financial	financial	ADJ
fsr-3449	31	23	planner	planner	NOUN
fsr-3449	31	24	and	and	CCONJ
fsr-3449	31	25	the	the	DET
fsr-3449	31	26	consumer	consumer	NOUN
fsr-3449	31	27	,	,	PUNCT
fsr-3449	31	28	meaning	mean	VERB
fsr-3449	31	29	that	that	SCONJ
fsr-3449	31	30	the	the	DET
fsr-3449	31	31	consumer	consumer	NOUN
fsr-3449	31	32	’s	’s	PART
fsr-3449	31	33	needs	need	NOUN
fsr-3449	31	34	will	will	AUX
fsr-3449	31	35	ultimately	ultimately	ADV
fsr-3449	31	36	not	not	PART
fsr-3449	31	37	be	be	AUX
fsr-3449	31	38	fulfilled	fulfil	VERB
fsr-3449	31	39	(	(	PUNCT
fsr-3449	31	40	grable	grable	PROPN
fsr-3449	31	41	&	&	CCONJ
fsr-3449	31	42	goetz	goetz	PROPN
fsr-3449	31	43	,	,	PUNCT
fsr-3449	31	44	2017	2017	NUM
fsr-3449	31	45	)	)	PUNCT
fsr-3449	31	46	.	.	PUNCT
fsr-3449	32	1	therefore	therefore	ADV
fsr-3449	32	2	,	,	PUNCT
fsr-3449	32	3	it	it	PRON
fsr-3449	32	4	is	be	AUX
fsr-3449	32	5	important	important	ADJ
fsr-3449	32	6	to	to	PART
fsr-3449	32	7	better	well	ADV
fsr-3449	32	8	estimate	estimate	VERB
fsr-3449	32	9	the	the	DET
fsr-3449	32	10	effect	effect	NOUN
fsr-3449	32	11	of	of	ADP
fsr-3449	32	12	consumers	consumer	NOUN
fsr-3449	32	13	’	’	PART
fsr-3449	32	14	psychological	psychological	ADJ
fsr-3449	32	15	characteristics	characteristic	NOUN
fsr-3449	32	16	on	on	ADP
fsr-3449	32	17	demand	demand	NOUN
fsr-3449	32	18	for	for	ADP
fsr-3449	32	19	life	life	NOUN
fsr-3449	32	20	insurance	insurance	NOUN
fsr-3449	32	21	purchases	purchase	NOUN
fsr-3449	32	22	to	to	PART
fsr-3449	32	23	increase	increase	VERB
fsr-3449	32	24	the	the	DET
fsr-3449	32	25	accuracy	accuracy	NOUN
fsr-3449	32	26	of	of	ADP
fsr-3449	32	27	the	the	DET
fsr-3449	32	28	suggestions	suggestion	NOUN
fsr-3449	32	29	and	and	CCONJ
fsr-3449	32	30	relevance	relevance	NOUN
fsr-3449	32	31	to	to	ADP
fsr-3449	32	32	consumers	consumer	NOUN
fsr-3449	32	33	’	'	PUNCT
fsr-3449	32	34	different	different	ADJ
fsr-3449	32	35	life	life	NOUN
fsr-3449	32	36	situations	situation	NOUN
fsr-3449	32	37	.	.	PUNCT
fsr-3449	33	1	therefore	therefore	ADV
fsr-3449	33	2	,	,	PUNCT
fsr-3449	33	3	the	the	DET
fsr-3449	33	4	primary	primary	ADJ
fsr-3449	33	5	goal	goal	NOUN
fsr-3449	33	6	of	of	ADP
fsr-3449	33	7	this	this	DET
fsr-3449	33	8	study	study	NOUN
fsr-3449	33	9	is	be	AUX
fsr-3449	33	10	to	to	PART
fsr-3449	33	11	analyze	analyze	VERB
fsr-3449	33	12	the	the	DET
fsr-3449	33	13	role	role	NOUN
fsr-3449	33	14	of	of	ADP
fsr-3449	33	15	psychographic	psychographic	ADJ
fsr-3449	33	16	factors	factor	NOUN
fsr-3449	33	17	in	in	ADP
fsr-3449	33	18	the	the	DET
fsr-3449	33	19	ownership	ownership	NOUN
fsr-3449	33	20	of	of	ADP
fsr-3449	33	21	life	life	NOUN
fsr-3449	33	22	insurance	insurance	NOUN
fsr-3449	33	23	through	through	ADP
fsr-3449	33	24	the	the	DET
fsr-3449	33	25	use	use	NOUN
fsr-3449	33	26	of	of	ADP
fsr-3449	33	27	an	an	DET
fsr-3449	33	28	online	online	ADJ
fsr-3449	33	29	consumer	consumer	NOUN
fsr-3449	33	30	survey	survey	NOUN
fsr-3449	33	31	.	.	PUNCT
fsr-3449	34	1	specifically	specifically	ADV
fsr-3449	34	2	,	,	PUNCT
fsr-3449	34	3	to	to	PART
fsr-3449	34	4	investigate	investigate	VERB
fsr-3449	34	5	how	how	SCONJ
fsr-3449	34	6	these	these	DET
fsr-3449	34	7	various	various	ADJ
fsr-3449	34	8	factors	factor	NOUN
fsr-3449	34	9	are	be	AUX
fsr-3449	34	10	related	relate	VERB
fsr-3449	34	11	to	to	ADP
fsr-3449	34	12	the	the	DET
fsr-3449	34	13	ownership	ownership	NOUN
fsr-3449	34	14	of	of	ADP
fsr-3449	34	15	life	life	NOUN
fsr-3449	34	16	insurance	insurance	NOUN
fsr-3449	34	17	,	,	PUNCT
fsr-3449	34	18	this	this	DET
fsr-3449	34	19	study	study	NOUN
fsr-3449	34	20	distinguished	distinguish	VERB
fsr-3449	34	21	the	the	DET
fsr-3449	34	22	type	type	NOUN
fsr-3449	34	23	of	of	ADP
fsr-3449	34	24	ownership	ownership	NOUN
fsr-3449	34	25	into	into	ADP
fsr-3449	34	26	four	four	NUM
fsr-3449	34	27	categories	category	NOUN
fsr-3449	34	28	:	:	PUNCT
fsr-3449	34	29	(	(	PUNCT
fsr-3449	34	30	a	a	X
fsr-3449	34	31	)	)	PUNCT
fsr-3449	34	32	none	none	NOUN
fsr-3449	34	33	of	of	ADP
fsr-3449	34	34	either	either	PRON
fsr-3449	34	35	term	term	NOUN
fsr-3449	34	36	life	life	NOUN
fsr-3449	34	37	insurance	insurance	NOUN
fsr-3449	34	38	or	or	CCONJ
fsr-3449	34	39	cash	cash	NOUN
fsr-3449	34	40	value	value	NOUN
fsr-3449	34	41	life	life	NOUN
fsr-3449	34	42	insurance	insurance	NOUN
fsr-3449	34	43	;	;	PUNCT
fsr-3449	34	44	(	(	PUNCT
fsr-3449	34	45	b	b	X
fsr-3449	34	46	)	)	PUNCT
fsr-3449	34	47	term	term	NOUN
fsr-3449	34	48	life	life	NOUN
fsr-3449	34	49	insurance	insurance	NOUN
fsr-3449	34	50	only	only	ADV
fsr-3449	34	51	;	;	PUNCT
fsr-3449	34	52	(	(	PUNCT
fsr-3449	34	53	c	c	X
fsr-3449	34	54	)	)	PUNCT
fsr-3449	34	55	cash	cash	NOUN
fsr-3449	34	56	value	value	NOUN
fsr-3449	34	57	life	life	NOUN
fsr-3449	34	58	insurance	insurance	NOUN
fsr-3449	34	59	only	only	ADV
fsr-3449	34	60	;	;	PUNCT
fsr-3449	34	61	and	and	CCONJ
fsr-3449	34	62	(	(	PUNCT
fsr-3449	34	63	d	d	X
fsr-3449	34	64	)	)	PUNCT
fsr-3449	34	65	both	both	DET
fsr-3449	34	66	types	type	NOUN
fsr-3449	34	67	of	of	ADP
fsr-3449	34	68	life	life	NOUN
fsr-3449	34	69	insurance	insurance	NOUN
fsr-3449	34	70	.	.	PUNCT
fsr-3449	35	1	in	in	ADP
fsr-3449	35	2	this	this	DET
fsr-3449	35	3	study	study	NOUN
fsr-3449	35	4	,	,	PUNCT
fsr-3449	35	5	three	three	NUM
fsr-3449	35	6	aspects	aspect	NOUN
fsr-3449	35	7	of	of	ADP
fsr-3449	35	8	explanatory	explanatory	ADJ
fsr-3449	35	9	factors	factor	NOUN
fsr-3449	35	10	of	of	ADP
fsr-3449	35	11	life	life	NOUN
fsr-3449	35	12	insurance	insurance	NOUN
fsr-3449	35	13	ownership	ownership	NOUN
fsr-3449	35	14	were	be	AUX
fsr-3449	35	15	assessed	assess	VERB
fsr-3449	35	16	:	:	PUNCT
fsr-3449	35	17	financial	financial	ADJ
fsr-3449	35	18	status	status	NOUN
fsr-3449	35	19	characteristics	characteristic	NOUN
fsr-3449	35	20	,	,	PUNCT
fsr-3449	35	21	102	102	NUM
fsr-3449	35	22	w.	w.	PROPN
fsr-3449	35	23	heo	heo	PROPN
fsr-3449	35	24	et	et	PROPN
fsr-3449	35	25	al	al	PROPN
fsr-3449	35	26	.	.	PUNCT
fsr-3449	35	27	/	/	SYM
fsr-3449	35	28	financial	financial	ADJ
fsr-3449	35	29	services	service	NOUN
fsr-3449	35	30	review	review	VERB
fsr-3449	35	31	29	29	NUM
fsr-3449	35	32	(	(	PUNCT
fsr-3449	35	33	2021	2021	NUM
fsr-3449	35	34	)	)	PUNCT
fsr-3449	35	35	101–119	101–119	NUM
fsr-3449	35	36	psychological	psychological	ADJ
fsr-3449	35	37	characteristics	characteristic	NOUN
fsr-3449	35	38	,	,	PUNCT
fsr-3449	35	39	and	and	CCONJ
fsr-3449	35	40	demographic	demographic	ADJ
fsr-3449	35	41	characteristics	characteristic	NOUN
fsr-3449	35	42	.	.	PUNCT
fsr-3449	36	1	financial	financial	ADJ
fsr-3449	36	2	status	status	NOUN
fsr-3449	36	3	characteristics	characteristic	NOUN
fsr-3449	36	4	include	include	VERB
fsr-3449	36	5	household	household	NOUN
fsr-3449	36	6	net	net	ADJ
fsr-3449	36	7	balance	balance	NOUN
fsr-3449	36	8	,	,	PUNCT
fsr-3449	36	9	the	the	DET
fsr-3449	36	10	ownership	ownership	NOUN
fsr-3449	36	11	of	of	ADP
fsr-3449	36	12	emergency	emergency	NOUN
fsr-3449	36	13	funds	fund	NOUN
fsr-3449	36	14	,	,	PUNCT
fsr-3449	36	15	financial	financial	ADJ
fsr-3449	36	16	risk	risk	NOUN
fsr-3449	36	17	tolerance	tolerance	NOUN
fsr-3449	36	18	,	,	PUNCT
fsr-3449	36	19	and	and	CCONJ
fsr-3449	36	20	subjective	subjective	ADJ
fsr-3449	36	21	financial	financial	ADJ
fsr-3449	36	22	knowledge	knowledge	NOUN
fsr-3449	36	23	.	.	PUNCT
fsr-3449	37	1	psychological	psychological	ADJ
fsr-3449	37	2	characteristics	characteristic	NOUN
fsr-3449	37	3	include	include	VERB
fsr-3449	37	4	locus	locus	NOUN
fsr-3449	37	5	of	of	ADP
fsr-3449	37	6	control	control	NOUN
fsr-3449	37	7	,	,	PUNCT
fsr-3449	37	8	financial	financial	ADJ
fsr-3449	37	9	satisfaction	satisfaction	NOUN
fsr-3449	37	10	,	,	PUNCT
fsr-3449	37	11	financial	financial	ADJ
fsr-3449	37	12	self	self	NOUN
fsr-3449	37	13	-	-	PUNCT
fsr-3449	37	14	efficacy	efficacy	NOUN
fsr-3449	37	15	,	,	PUNCT
fsr-3449	37	16	and	and	CCONJ
fsr-3449	37	17	life	life	NOUN
fsr-3449	37	18	satisfaction	satisfaction	NOUN
fsr-3449	37	19	.	.	PUNCT
fsr-3449	38	1	demographic	demographic	ADJ
fsr-3449	38	2	characteristics	characteristic	NOUN
fsr-3449	38	3	include	include	VERB
fsr-3449	38	4	the	the	DET
fsr-3449	38	5	gender	gender	NOUN
fsr-3449	38	6	of	of	ADP
fsr-3449	38	7	the	the	DET
fsr-3449	38	8	respondent	respondent	NOUN
fsr-3449	38	9	,	,	PUNCT
fsr-3449	38	10	household	household	NOUN
fsr-3449	38	11	income	income	NOUN
fsr-3449	38	12	level	level	NOUN
fsr-3449	38	13	,	,	PUNCT
fsr-3449	38	14	the	the	DET
fsr-3449	38	15	working	work	VERB
fsr-3449	38	16	status	status	NOUN
fsr-3449	38	17	of	of	ADP
fsr-3449	38	18	the	the	DET
fsr-3449	38	19	respondent	respondent	NOUN
fsr-3449	38	20	,	,	PUNCT
fsr-3449	38	21	the	the	DET
fsr-3449	38	22	number	number	NOUN
fsr-3449	38	23	of	of	ADP
fsr-3449	38	24	children	child	NOUN
fsr-3449	38	25	in	in	ADP
fsr-3449	38	26	the	the	DET
fsr-3449	38	27	household	household	NOUN
fsr-3449	38	28	,	,	PUNCT
fsr-3449	38	29	education	education	NOUN
fsr-3449	38	30	level	level	NOUN
fsr-3449	38	31	,	,	PUNCT
fsr-3449	38	32	age	age	NOUN
fsr-3449	38	33	,	,	PUNCT
fsr-3449	38	34	race	race	NOUN
fsr-3449	38	35	,	,	PUNCT
fsr-3449	38	36	and	and	CCONJ
fsr-3449	38	37	the	the	DET
fsr-3449	38	38	marital	marital	ADJ
fsr-3449	38	39	status	status	NOUN
fsr-3449	38	40	of	of	ADP
fsr-3449	38	41	the	the	DET
fsr-3449	38	42	respondent	respondent	NOUN
fsr-3449	38	43	,	,	PUNCT
fsr-3449	38	44	as	as	ADV
fsr-3449	38	45	well	well	ADV
fsr-3449	38	46	as	as	ADP
fsr-3449	38	47	the	the	DET
fsr-3449	38	48	perceived	perceive	VERB
fsr-3449	38	49	health	health	NOUN
fsr-3449	38	50	condition	condition	NOUN
fsr-3449	38	51	of	of	ADP
fsr-3449	38	52	the	the	DET
fsr-3449	38	53	respondent	respondent	NOUN
fsr-3449	38	54	.	.	PUNCT
fsr-3449	39	1	the	the	DET
fsr-3449	39	2	findings	finding	NOUN
fsr-3449	39	3	of	of	ADP
fsr-3449	39	4	this	this	DET
fsr-3449	39	5	study	study	NOUN
fsr-3449	39	6	,	,	PUNCT
fsr-3449	39	7	based	base	VERB
fsr-3449	39	8	on	on	ADP
fsr-3449	39	9	psychographics	psychographic	NOUN
fsr-3449	39	10	that	that	PRON
fsr-3449	39	11	include	include	VERB
fsr-3449	39	12	a	a	DET
fsr-3449	39	13	combination	combination	NOUN
fsr-3449	39	14	of	of	ADP
fsr-3449	39	15	demographic	demographic	ADJ
fsr-3449	39	16	factors	factor	NOUN
fsr-3449	39	17	and	and	CCONJ
fsr-3449	39	18	psychological	psychological	ADJ
fsr-3449	39	19	factors	factor	NOUN
fsr-3449	39	20	(	(	PUNCT
fsr-3449	39	21	heo	heo	PROPN
fsr-3449	39	22	,	,	PUNCT
fsr-3449	39	23	2020	2020	NUM
fsr-3449	39	24	)	)	PUNCT
fsr-3449	39	25	,	,	PUNCT
fsr-3449	39	26	can	can	AUX
fsr-3449	39	27	provide	provide	VERB
fsr-3449	39	28	an	an	DET
fsr-3449	39	29	empirical	empirical	ADJ
fsr-3449	39	30	understanding	understanding	NOUN
fsr-3449	39	31	of	of	ADP
fsr-3449	39	32	their	their	PRON
fsr-3449	39	33	effects	effect	NOUN
fsr-3449	39	34	on	on	ADP
fsr-3449	39	35	the	the	DET
fsr-3449	39	36	ownership	ownership	NOUN
fsr-3449	39	37	of	of	ADP
fsr-3449	39	38	life	life	NOUN
fsr-3449	39	39	insurance	insurance	NOUN
fsr-3449	39	40	by	by	ADP
fsr-3449	39	41	type	type	NOUN
fsr-3449	39	42	.	.	PUNCT
fsr-3449	40	1	through	through	ADP
fsr-3449	40	2	this	this	DET
fsr-3449	40	3	study	study	NOUN
fsr-3449	40	4	’s	’s	PART
fsr-3449	40	5	analysis	analysis	NOUN
fsr-3449	40	6	of	of	ADP
fsr-3449	40	7	the	the	DET
fsr-3449	40	8	psychographic	psychographic	ADJ
fsr-3449	40	9	factors	factor	NOUN
fsr-3449	40	10	’	'	PUNCT
fsr-3449	40	11	associations	association	NOUN
fsr-3449	40	12	with	with	ADP
fsr-3449	40	13	life	life	NOUN
fsr-3449	40	14	insurance	insurance	NOUN
fsr-3449	40	15	,	,	PUNCT
fsr-3449	40	16	it	it	PRON
fsr-3449	40	17	is	be	AUX
fsr-3449	40	18	expected	expect	VERB
fsr-3449	40	19	that	that	SCONJ
fsr-3449	40	20	financial	financial	ADJ
fsr-3449	40	21	practitioners	practitioner	NOUN
fsr-3449	40	22	and	and	CCONJ
fsr-3449	40	23	researchers	researcher	NOUN
fsr-3449	40	24	will	will	AUX
fsr-3449	40	25	be	be	AUX
fsr-3449	40	26	able	able	ADJ
fsr-3449	40	27	to	to	PART
fsr-3449	40	28	better	better	VERB
fsr-3449	40	29	accommodate	accommodate	VERB
fsr-3449	40	30	and	and	CCONJ
fsr-3449	40	31	identify	identify	VERB
fsr-3449	40	32	various	various	ADJ
fsr-3449	40	33	consumer	consumer	NOUN
fsr-3449	40	34	needs	need	NOUN
fsr-3449	40	35	for	for	ADP
fsr-3449	40	36	the	the	DET
fsr-3449	40	37	ownership	ownership	NOUN
fsr-3449	40	38	of	of	ADP
fsr-3449	40	39	life	life	NOUN
fsr-3449	40	40	insurance	insurance	NOUN
fsr-3449	40	41	.	.	PUNCT
fsr-3449	41	1	the	the	DET
fsr-3449	41	2	research	research	NOUN
fsr-3449	41	3	questions	question	NOUN
fsr-3449	41	4	in	in	ADP
fsr-3449	41	5	this	this	DET
fsr-3449	41	6	study	study	NOUN
fsr-3449	41	7	are	be	AUX
fsr-3449	41	8	as	as	SCONJ
fsr-3449	41	9	follows	follow	VERB
fsr-3449	41	10	:	:	PUNCT
fsr-3449	41	11	in	in	ADP
fsr-3449	41	12	what	what	DET
fsr-3449	41	13	ways	way	NOUN
fsr-3449	41	14	are	be	AUX
fsr-3449	41	15	financial	financial	ADJ
fsr-3449	41	16	status	status	NOUN
fsr-3449	41	17	characteristics	characteristic	NOUN
fsr-3449	41	18	,	,	PUNCT
fsr-3449	41	19	psychological	psychological	ADJ
fsr-3449	41	20	characteristics	characteristic	NOUN
fsr-3449	41	21	,	,	PUNCT
fsr-3449	41	22	and	and	CCONJ
fsr-3449	41	23	demographic	demographic	ADJ
fsr-3449	41	24	characteristics	characteristic	NOUN
fsr-3449	41	25	associated	associate	VERB
fsr-3449	41	26	with	with	ADP
fsr-3449	41	27	life	life	NOUN
fsr-3449	41	28	insurance	insurance	NOUN
fsr-3449	41	29	ownership	ownership	NOUN
fsr-3449	41	30	by	by	ADP
fsr-3449	41	31	type	type	NOUN
fsr-3449	41	32	of	of	ADP
fsr-3449	41	33	life	life	NOUN
fsr-3449	41	34	insurance	insurance	NOUN
fsr-3449	41	35	?	?	PUNCT
fsr-3449	42	1	understanding	understand	VERB
fsr-3449	42	2	the	the	DET
fsr-3449	42	3	associations	association	NOUN
fsr-3449	42	4	between	between	ADP
fsr-3449	42	5	various	various	ADJ
fsr-3449	42	6	factors	factor	NOUN
fsr-3449	42	7	and	and	CCONJ
fsr-3449	42	8	life	life	NOUN
fsr-3449	42	9	insurance	insurance	NOUN
fsr-3449	42	10	ownership	ownership	NOUN
fsr-3449	42	11	,	,	PUNCT
fsr-3449	42	12	as	as	ADV
fsr-3449	42	13	well	well	ADV
fsr-3449	42	14	as	as	ADP
fsr-3449	42	15	the	the	DET
fsr-3449	42	16	ways	way	NOUN
fsr-3449	42	17	in	in	ADP
fsr-3449	42	18	which	which	PRON
fsr-3449	42	19	the	the	DET
fsr-3449	42	20	associations	association	NOUN
fsr-3449	42	21	differ	differ	VERB
fsr-3449	42	22	across	across	ADP
fsr-3449	42	23	the	the	DET
fsr-3449	42	24	subsamples	subsample	NOUN
fsr-3449	42	25	by	by	ADP
fsr-3449	42	26	type	type	NOUN
fsr-3449	42	27	of	of	ADP
fsr-3449	42	28	life	life	NOUN
fsr-3449	42	29	insurance	insurance	NOUN
fsr-3449	42	30	,	,	PUNCT
fsr-3449	42	31	will	will	AUX
fsr-3449	42	32	provide	provide	VERB
fsr-3449	42	33	financial	financial	ADJ
fsr-3449	42	34	professionals	professional	NOUN
fsr-3449	42	35	with	with	ADP
fsr-3449	42	36	important	important	ADJ
fsr-3449	42	37	insights	insight	NOUN
fsr-3449	42	38	when	when	SCONJ
fsr-3449	42	39	they	they	PRON
fsr-3449	42	40	offer	offer	VERB
fsr-3449	42	41	financial	financial	ADJ
fsr-3449	42	42	counseling	counseling	NOUN
fsr-3449	42	43	and	and	CCONJ
fsr-3449	42	44	planning	planning	NOUN
fsr-3449	42	45	services	service	NOUN
fsr-3449	42	46	in	in	ADP
fsr-3449	42	47	the	the	DET
fsr-3449	42	48	future	future	NOUN
fsr-3449	42	49	.	.	PUNCT
fsr-3449	43	1	2	2	X
fsr-3449	43	2	.	.	X
fsr-3449	43	3	literature	literature	NOUN
fsr-3449	43	4	review	review	VERB
fsr-3449	43	5	2.1	2.1	NUM
fsr-3449	43	6	.	.	PUNCT
fsr-3449	44	1	different	different	ADJ
fsr-3449	44	2	needs	need	NOUN
fsr-3449	44	3	of	of	ADP
fsr-3449	44	4	life	life	NOUN
fsr-3449	44	5	insurance	insurance	NOUN
fsr-3449	44	6	by	by	ADP
fsr-3449	44	7	types	type	NOUN
fsr-3449	44	8	there	there	PRON
fsr-3449	44	9	should	should	AUX
fsr-3449	44	10	be	be	AUX
fsr-3449	44	11	different	different	ADJ
fsr-3449	44	12	levels	level	NOUN
fsr-3449	44	13	of	of	ADP
fsr-3449	44	14	consumer	consumer	NOUN
fsr-3449	44	15	demand	demand	NOUN
fsr-3449	44	16	,	,	PUNCT
fsr-3449	44	17	pure	pure	ADJ
fsr-3449	44	18	protection	protection	NOUN
fsr-3449	44	19	,	,	PUNCT
fsr-3449	44	20	or	or	CCONJ
fsr-3449	44	21	an	an	DET
fsr-3449	44	22	additional	additional	ADJ
fsr-3449	44	23	investment	investment	NOUN
fsr-3449	44	24	purpose	purpose	NOUN
fsr-3449	44	25	.	.	PUNCT
fsr-3449	45	1	term	term	NOUN
fsr-3449	45	2	life	life	NOUN
fsr-3449	45	3	insurance	insurance	NOUN
fsr-3449	45	4	is	be	AUX
fsr-3449	45	5	well	well	ADV
fsr-3449	45	6	-	-	PUNCT
fsr-3449	45	7	known	know	VERB
fsr-3449	45	8	for	for	ADP
fsr-3449	45	9	its	its	PRON
fsr-3449	45	10	pure	pure	ADJ
fsr-3449	45	11	protection	protection	NOUN
fsr-3449	45	12	purpose	purpose	NOUN
fsr-3449	45	13	,	,	PUNCT
fsr-3449	45	14	whereas	whereas	SCONJ
fsr-3449	45	15	cash	cash	NOUN
fsr-3449	45	16	value	value	NOUN
fsr-3449	45	17	life	life	NOUN
fsr-3449	45	18	insurance	insurance	NOUN
fsr-3449	45	19	can	can	AUX
fsr-3449	45	20	offer	offer	VERB
fsr-3449	45	21	an	an	DET
fsr-3449	45	22	additional	additional	ADJ
fsr-3449	45	23	saving	saving	NOUN
fsr-3449	45	24	purpose	purpose	NOUN
fsr-3449	45	25	beyond	beyond	ADP
fsr-3449	45	26	the	the	DET
fsr-3449	45	27	pure	pure	ADJ
fsr-3449	45	28	protection	protection	NOUN
fsr-3449	45	29	of	of	ADP
fsr-3449	45	30	the	the	DET
fsr-3449	45	31	lost	lost	ADJ
fsr-3449	45	32	income	income	NOUN
fsr-3449	45	33	of	of	ADP
fsr-3449	45	34	the	the	DET
fsr-3449	45	35	insured	insure	VERB
fsr-3449	45	36	(	(	PUNCT
fsr-3449	45	37	gitman	gitman	NOUN
fsr-3449	45	38	et	et	PROPN
fsr-3449	45	39	al	al	PROPN
fsr-3449	45	40	.	.	PROPN
fsr-3449	45	41	,	,	PUNCT
fsr-3449	45	42	2014	2014	NUM
fsr-3449	45	43	;	;	PUNCT
fsr-3449	45	44	grable	grable	NOUN
fsr-3449	45	45	,	,	PUNCT
fsr-3449	45	46	2016	2016	NUM
fsr-3449	45	47	;	;	PUNCT
fsr-3449	45	48	rejda	rejda	NOUN
fsr-3449	45	49	&	&	CCONJ
fsr-3449	45	50	mcnamara	mcnamara	PROPN
fsr-3449	45	51	,	,	PUNCT
fsr-3449	45	52	2016	2016	NUM
fsr-3449	45	53	)	)	PUNCT
fsr-3449	45	54	.	.	PUNCT
fsr-3449	46	1	thus	thus	ADV
fsr-3449	46	2	,	,	PUNCT
fsr-3449	46	3	there	there	PRON
fsr-3449	46	4	can	can	AUX
fsr-3449	46	5	be	be	AUX
fsr-3449	46	6	conceptual	conceptual	ADJ
fsr-3449	46	7	and	and	CCONJ
fsr-3449	46	8	empirical	empirical	ADJ
fsr-3449	46	9	differences	difference	NOUN
fsr-3449	46	10	in	in	ADP
fsr-3449	46	11	understanding	understand	VERB
fsr-3449	46	12	influential	influential	ADJ
fsr-3449	46	13	factors	factor	NOUN
fsr-3449	46	14	in	in	ADP
fsr-3449	46	15	the	the	DET
fsr-3449	46	16	demand	demand	NOUN
fsr-3449	46	17	for	for	ADP
fsr-3449	46	18	life	life	NOUN
fsr-3449	46	19	insurance	insurance	NOUN
fsr-3449	46	20	by	by	ADP
fsr-3449	46	21	type	type	NOUN
fsr-3449	46	22	.	.	PUNCT
fsr-3449	47	1	however	however	ADV
fsr-3449	47	2	,	,	PUNCT
fsr-3449	47	3	to	to	ADP
fsr-3449	47	4	our	our	PRON
fsr-3449	47	5	knowledge	knowledge	NOUN
fsr-3449	47	6	,	,	PUNCT
fsr-3449	47	7	there	there	PRON
fsr-3449	47	8	has	have	AUX
fsr-3449	47	9	been	be	AUX
fsr-3449	47	10	little	little	ADJ
fsr-3449	47	11	empirical	empirical	ADJ
fsr-3449	47	12	and	and	CCONJ
fsr-3449	47	13	conceptual	conceptual	ADJ
fsr-3449	47	14	research	research	NOUN
fsr-3449	47	15	distinguishing	distinguish	VERB
fsr-3449	47	16	the	the	DET
fsr-3449	47	17	different	different	ADJ
fsr-3449	47	18	demand	demand	NOUN
fsr-3449	47	19	for	for	ADP
fsr-3449	47	20	life	life	NOUN
fsr-3449	47	21	insurance	insurance	NOUN
fsr-3449	47	22	by	by	ADP
fsr-3449	47	23	type	type	NOUN
fsr-3449	47	24	and	and	CCONJ
fsr-3449	47	25	applying	apply	VERB
fsr-3449	47	26	psychological	psychological	ADJ
fsr-3449	47	27	characteristics	characteristic	NOUN
fsr-3449	47	28	to	to	ADP
fsr-3449	47	29	an	an	DET
fsr-3449	47	30	empirical	empirical	ADJ
fsr-3449	47	31	analysis	analysis	NOUN
fsr-3449	47	32	for	for	ADP
fsr-3449	47	33	financial	financial	ADJ
fsr-3449	47	34	practitioners	practitioner	NOUN
fsr-3449	47	35	.	.	PUNCT
fsr-3449	48	1	based	base	VERB
fsr-3449	48	2	on	on	ADP
fsr-3449	48	3	studies	study	NOUN
fsr-3449	48	4	from	from	ADP
fsr-3449	48	5	a	a	DET
fsr-3449	48	6	conventional	conventional	ADJ
fsr-3449	48	7	perspective	perspective	NOUN
fsr-3449	48	8	with	with	ADP
fsr-3449	48	9	regards	regard	NOUN
fsr-3449	48	10	to	to	ADP
fsr-3449	48	11	life	life	NOUN
fsr-3449	48	12	insurance	insurance	NOUN
fsr-3449	48	13	,	,	PUNCT
fsr-3449	48	14	life	life	NOUN
fsr-3449	48	15	insurance	insurance	NOUN
fsr-3449	48	16	has	have	AUX
fsr-3449	48	17	been	be	AUX
fsr-3449	48	18	considered	consider	VERB
fsr-3449	48	19	to	to	PART
fsr-3449	48	20	be	be	AUX
fsr-3449	48	21	a	a	DET
fsr-3449	48	22	substitute	substitute	NOUN
fsr-3449	48	23	for	for	ADP
fsr-3449	48	24	future	future	ADJ
fsr-3449	48	25	savings	saving	NOUN
fsr-3449	48	26	or	or	CCONJ
fsr-3449	48	27	a	a	DET
fsr-3449	48	28	potential	potential	ADJ
fsr-3449	48	29	income	income	NOUN
fsr-3449	48	30	source	source	NOUN
fsr-3449	48	31	of	of	ADP
fsr-3449	48	32	the	the	DET
fsr-3449	48	33	deceased	deceased	ADJ
fsr-3449	48	34	(	(	PUNCT
fsr-3449	48	35	li	li	PROPN
fsr-3449	48	36	,	,	PUNCT
fsr-3449	48	37	moshirian	moshirian	ADJ
fsr-3449	48	38	,	,	PUNCT
fsr-3449	48	39	nguyen	nguyen	NOUN
fsr-3449	48	40	,	,	PUNCT
fsr-3449	48	41	&	&	CCONJ
fsr-3449	48	42	wee	wee	PROPN
fsr-3449	48	43	,	,	PUNCT
fsr-3449	48	44	2007	2007	NUM
fsr-3449	48	45	)	)	PUNCT
fsr-3449	48	46	.	.	PUNCT
fsr-3449	49	1	many	many	ADJ
fsr-3449	49	2	studies	study	NOUN
fsr-3449	49	3	based	base	VERB
fsr-3449	49	4	on	on	ADP
fsr-3449	49	5	this	this	DET
fsr-3449	49	6	perspective	perspective	NOUN
fsr-3449	49	7	in	in	ADP
fsr-3449	49	8	the	the	DET
fsr-3449	49	9	current	current	ADJ
fsr-3449	49	10	literature	literature	NOUN
fsr-3449	49	11	have	have	AUX
fsr-3449	49	12	identified	identify	VERB
fsr-3449	49	13	factors	factor	NOUN
fsr-3449	49	14	related	relate	VERB
fsr-3449	49	15	to	to	ADP
fsr-3449	49	16	life	life	NOUN
fsr-3449	49	17	insurance	insurance	NOUN
fsr-3449	49	18	purchases	purchase	NOUN
fsr-3449	49	19	regardless	regardless	ADV
fsr-3449	49	20	of	of	ADP
fsr-3449	49	21	type	type	NOUN
fsr-3449	49	22	.	.	PUNCT
fsr-3449	50	1	predictors	predictor	NOUN
fsr-3449	50	2	of	of	ADP
fsr-3449	50	3	the	the	DET
fsr-3449	50	4	demand	demand	NOUN
fsr-3449	50	5	for	for	ADP
fsr-3449	50	6	overall	overall	ADJ
fsr-3449	50	7	life	life	NOUN
fsr-3449	50	8	insurance	insurance	NOUN
fsr-3449	50	9	ownership	ownership	NOUN
fsr-3449	50	10	or	or	CCONJ
fsr-3449	50	11	purchase	purchase	NOUN
fsr-3449	50	12	primarily	primarily	ADV
fsr-3449	50	13	include	include	VERB
fsr-3449	50	14	three	three	NUM
fsr-3449	50	15	areas	area	NOUN
fsr-3449	50	16	(	(	PUNCT
fsr-3449	50	17	anderson	anderson	PROPN
fsr-3449	50	18	,	,	PUNCT
fsr-3449	50	19	&	&	CCONJ
fsr-3449	50	20	nevin	nevin	PROPN
fsr-3449	50	21	,	,	PUNCT
fsr-3449	50	22	1975	1975	NUM
fsr-3449	50	23	;	;	PUNCT
fsr-3449	50	24	heo	heo	PROPN
fsr-3449	50	25	&	&	CCONJ
fsr-3449	50	26	grable	grable	PROPN
fsr-3449	50	27	,	,	PUNCT
fsr-3449	50	28	2017	2017	NUM
fsr-3449	50	29	;	;	PUNCT
fsr-3449	50	30	liebenberg	liebenberg	PROPN
fsr-3449	50	31	,	,	PUNCT
fsr-3449	50	32	carson	carson	PROPN
fsr-3449	50	33	,	,	PUNCT
fsr-3449	50	34	&	&	CCONJ
fsr-3449	50	35	dumm	dumm	PROPN
fsr-3449	50	36	,	,	PUNCT
fsr-3449	50	37	2012	2012	NUM
fsr-3449	50	38	;	;	PUNCT
fsr-3449	50	39	zietz	zietz	VERB
fsr-3449	50	40	,	,	PUNCT
fsr-3449	50	41	2003	2003	NUM
fsr-3449	50	42	):	):	PUNCT
fsr-3449	50	43	(	(	PUNCT
fsr-3449	50	44	a	a	DET
fsr-3449	50	45	)	)	PUNCT
fsr-3449	50	46	socio	socio	NOUN
fsr-3449	50	47	-	-	PUNCT
fsr-3449	50	48	demographic	demographic	ADJ
fsr-3449	50	49	characteristics	characteristic	NOUN
fsr-3449	50	50	;	;	PUNCT
fsr-3449	50	51	(	(	PUNCT
fsr-3449	50	52	b	b	X
fsr-3449	50	53	)	)	PUNCT
fsr-3449	50	54	financial	financial	ADJ
fsr-3449	50	55	characteristics	characteristic	NOUN
fsr-3449	50	56	;	;	PUNCT
fsr-3449	50	57	and	and	CCONJ
fsr-3449	50	58	(	(	PUNCT
fsr-3449	50	59	c	c	NOUN
fsr-3449	50	60	)	)	PUNCT
fsr-3449	50	61	psycho	psycho	NOUN
fsr-3449	50	62	-	-	PUNCT
fsr-3449	50	63	behavioral	behavioral	ADJ
fsr-3449	50	64	characteristics	characteristic	NOUN
fsr-3449	50	65	.	.	PUNCT
fsr-3449	51	1	other	other	ADJ
fsr-3449	51	2	studies	study	NOUN
fsr-3449	51	3	(	(	PUNCT
fsr-3449	51	4	e.g.	e.g.	ADV
fsr-3449	51	5	,	,	PUNCT
fsr-3449	51	6	heo	heo	PROPN
fsr-3449	51	7	,	,	PUNCT
fsr-3449	51	8	grable	grable	PROPN
fsr-3449	51	9	,	,	PUNCT
fsr-3449	51	10	&	&	CCONJ
fsr-3449	51	11	chatterjee	chatterjee	PROPN
fsr-3449	51	12	,	,	PUNCT
fsr-3449	51	13	2013	2013	NUM
fsr-3449	51	14	)	)	PUNCT
fsr-3449	51	15	have	have	AUX
fsr-3449	51	16	discussed	discuss	VERB
fsr-3449	51	17	the	the	DET
fsr-3449	51	18	idea	idea	NOUN
fsr-3449	51	19	that	that	SCONJ
fsr-3449	51	20	cash	cash	NOUN
fsr-3449	51	21	value	value	NOUN
fsr-3449	51	22	life	life	NOUN
fsr-3449	51	23	insurance	insurance	NOUN
fsr-3449	51	24	should	should	AUX
fsr-3449	51	25	be	be	AUX
fsr-3449	51	26	analyzed	analyze	VERB
fsr-3449	51	27	differently	differently	ADV
fsr-3449	51	28	from	from	ADP
fsr-3449	51	29	term	term	NOUN
fsr-3449	51	30	life	life	NOUN
fsr-3449	51	31	insurance	insurance	NOUN
fsr-3449	51	32	because	because	SCONJ
fsr-3449	51	33	it	it	PRON
fsr-3449	51	34	can	can	AUX
fsr-3449	51	35	function	function	VERB
fsr-3449	51	36	as	as	ADP
fsr-3449	51	37	a	a	DET
fsr-3449	51	38	complement	complement	NOUN
fsr-3449	51	39	to	to	ADP
fsr-3449	51	40	savings	saving	NOUN
fsr-3449	51	41	.	.	PUNCT
fsr-3449	52	1	heo	heo	PROPN
fsr-3449	52	2	et	et	PROPN
fsr-3449	52	3	al	al	PROPN
fsr-3449	52	4	.	.	PROPN
fsr-3449	53	1	(	(	PUNCT
fsr-3449	53	2	2013	2013	NUM
fsr-3449	53	3	)	)	PUNCT
fsr-3449	53	4	suggested	suggest	VERB
fsr-3449	53	5	that	that	SCONJ
fsr-3449	53	6	it	it	PRON
fsr-3449	53	7	is	be	AUX
fsr-3449	53	8	important	important	ADJ
fsr-3449	53	9	to	to	ADP
fsr-3449	53	10	w.	w.	PROPN
fsr-3449	53	11	heo	heo	PROPN
fsr-3449	53	12	et	et	PROPN
fsr-3449	53	13	al	al	PROPN
fsr-3449	53	14	.	.	PUNCT
fsr-3449	53	15	/	/	SYM
fsr-3449	53	16	financial	financial	ADJ
fsr-3449	53	17	services	service	NOUN
fsr-3449	53	18	review	review	VERB
fsr-3449	53	19	29	29	NUM
fsr-3449	53	20	(	(	PUNCT
fsr-3449	53	21	2021	2021	NUM
fsr-3449	53	22	)	)	PUNCT
fsr-3449	53	23	101–119	101–119	NUM
fsr-3449	53	24	103	103	NUM
fsr-3449	53	25	further	far	ADV
fsr-3449	53	26	discuss	discuss	VERB
fsr-3449	53	27	practical	practical	ADJ
fsr-3449	53	28	considerations	consideration	NOUN
fsr-3449	53	29	for	for	ADP
fsr-3449	53	30	financial	financial	ADJ
fsr-3449	53	31	services	service	NOUN
fsr-3449	53	32	when	when	SCONJ
fsr-3449	53	33	financial	financial	ADJ
fsr-3449	53	34	planners	planner	NOUN
fsr-3449	53	35	and	and	CCONJ
fsr-3449	53	36	advisors	advisor	NOUN
fsr-3449	53	37	provide	provide	VERB
fsr-3449	53	38	suggestions	suggestion	NOUN
fsr-3449	53	39	to	to	ADP
fsr-3449	53	40	clients	client	NOUN
fsr-3449	53	41	.	.	PUNCT
fsr-3449	54	1	thus	thus	ADV
fsr-3449	54	2	,	,	PUNCT
fsr-3449	54	3	placing	place	VERB
fsr-3449	54	4	a	a	DET
fsr-3449	54	5	greater	great	ADJ
fsr-3449	54	6	emphasis	emphasis	NOUN
fsr-3449	54	7	on	on	ADP
fsr-3449	54	8	the	the	DET
fsr-3449	54	9	distinction	distinction	NOUN
fsr-3449	54	10	of	of	ADP
fsr-3449	54	11	life	life	NOUN
fsr-3449	54	12	insurance	insurance	NOUN
fsr-3449	54	13	ownership	ownership	NOUN
fsr-3449	54	14	by	by	ADP
fsr-3449	54	15	type	type	NOUN
fsr-3449	54	16	can	can	AUX
fsr-3449	54	17	extend	extend	VERB
fsr-3449	54	18	the	the	DET
fsr-3449	54	19	current	current	ADJ
fsr-3449	54	20	discussion	discussion	NOUN
fsr-3449	54	21	of	of	ADP
fsr-3449	54	22	the	the	DET
fsr-3449	54	23	literature	literature	NOUN
fsr-3449	54	24	and	and	CCONJ
fsr-3449	54	25	add	add	VERB
fsr-3449	54	26	more	more	ADV
fsr-3449	54	27	empirical	empirical	ADJ
fsr-3449	54	28	evidence	evidence	NOUN
fsr-3449	54	29	to	to	ADP
fsr-3449	54	30	existing	exist	VERB
fsr-3449	54	31	body	body	NOUN
fsr-3449	54	32	of	of	ADP
fsr-3449	54	33	knowledge	knowledge	NOUN
fsr-3449	54	34	.	.	PUNCT
fsr-3449	55	1	2.2	2.2	NUM
fsr-3449	55	2	.	.	PUNCT
fsr-3449	55	3	determinants	determinant	NOUN
fsr-3449	55	4	generally	generally	ADV
fsr-3449	55	5	known	know	VERB
fsr-3449	55	6	for	for	ADP
fsr-3449	55	7	term	term	NOUN
fsr-3449	55	8	life	life	NOUN
fsr-3449	55	9	insurance	insurance	NOUN
fsr-3449	55	10	term	term	NOUN
fsr-3449	55	11	life	life	NOUN
fsr-3449	55	12	insurance	insurance	NOUN
fsr-3449	55	13	policies	policy	NOUN
fsr-3449	55	14	provide	provide	VERB
fsr-3449	55	15	insurance	insurance	NOUN
fsr-3449	55	16	coverage	coverage	NOUN
fsr-3449	55	17	for	for	ADP
fsr-3449	55	18	limited	limited	ADJ
fsr-3449	55	19	periods	period	NOUN
fsr-3449	55	20	of	of	ADP
fsr-3449	55	21	time	time	NOUN
fsr-3449	55	22	at	at	ADP
fsr-3449	55	23	fixed	fix	VERB
fsr-3449	55	24	payment	payment	NOUN
fsr-3449	55	25	rates	rate	NOUN
fsr-3449	55	26	.	.	PUNCT
fsr-3449	56	1	the	the	DET
fsr-3449	56	2	policies	policy	NOUN
fsr-3449	56	3	only	only	ADV
fsr-3449	56	4	pay	pay	VERB
fsr-3449	56	5	death	death	NOUN
fsr-3449	56	6	benefits	benefit	NOUN
fsr-3449	56	7	to	to	ADP
fsr-3449	56	8	the	the	DET
fsr-3449	56	9	beneficiaries	beneficiary	NOUN
fsr-3449	56	10	if	if	SCONJ
fsr-3449	56	11	the	the	DET
fsr-3449	56	12	person	person	NOUN
fsr-3449	56	13	insured	insure	VERB
fsr-3449	56	14	dies	die	VERB
fsr-3449	56	15	within	within	ADP
fsr-3449	56	16	the	the	DET
fsr-3449	56	17	time	time	NOUN
fsr-3449	56	18	period	period	NOUN
fsr-3449	56	19	.	.	PUNCT
fsr-3449	57	1	after	after	ADP
fsr-3449	57	2	that	that	DET
fsr-3449	57	3	period	period	NOUN
fsr-3449	57	4	,	,	PUNCT
fsr-3449	57	5	term	term	NOUN
fsr-3449	57	6	life	life	NOUN
fsr-3449	57	7	policies	policy	NOUN
fsr-3449	57	8	do	do	AUX
fsr-3449	57	9	not	not	PART
fsr-3449	57	10	provide	provide	VERB
fsr-3449	57	11	any	any	DET
fsr-3449	57	12	additional	additional	ADJ
fsr-3449	57	13	benefits	benefit	NOUN
fsr-3449	57	14	to	to	ADP
fsr-3449	57	15	the	the	DET
fsr-3449	57	16	insured	insure	VERB
fsr-3449	57	17	,	,	PUNCT
fsr-3449	57	18	and	and	CCONJ
fsr-3449	57	19	the	the	DET
fsr-3449	57	20	policies	policy	NOUN
fsr-3449	57	21	must	must	AUX
fsr-3449	57	22	be	be	AUX
fsr-3449	57	23	renewed	renew	VERB
fsr-3449	57	24	with	with	ADP
fsr-3449	57	25	different	different	ADJ
fsr-3449	57	26	payments	payment	NOUN
fsr-3449	57	27	or	or	CCONJ
fsr-3449	57	28	conditions	condition	NOUN
fsr-3449	57	29	if	if	SCONJ
fsr-3449	57	30	coverage	coverage	NOUN
fsr-3449	57	31	is	be	AUX
fsr-3449	57	32	desired	desire	VERB
fsr-3449	57	33	for	for	ADP
fsr-3449	57	34	another	another	DET
fsr-3449	57	35	time	time	NOUN
fsr-3449	57	36	period	period	NOUN
fsr-3449	57	37	(	(	PUNCT
fsr-3449	57	38	brown	brown	PROPN
fsr-3449	57	39	&	&	CCONJ
fsr-3449	57	40	goolsbee	goolsbee	PROPN
fsr-3449	57	41	,	,	PUNCT
fsr-3449	57	42	2002	2002	NUM
fsr-3449	57	43	)	)	PUNCT
fsr-3449	57	44	.	.	PUNCT
fsr-3449	58	1	this	this	PRON
fsr-3449	58	2	is	be	AUX
fsr-3449	58	3	why	why	SCONJ
fsr-3449	58	4	term	term	NOUN
fsr-3449	58	5	life	life	NOUN
fsr-3449	58	6	insurance	insurance	NOUN
fsr-3449	58	7	policies	policy	NOUN
fsr-3449	58	8	are	be	AUX
fsr-3449	58	9	often	often	ADV
fsr-3449	58	10	described	describe	VERB
fsr-3449	58	11	as	as	ADP
fsr-3449	58	12	pure	pure	ADJ
fsr-3449	58	13	protection	protection	NOUN
fsr-3449	58	14	and	and	CCONJ
fsr-3449	58	15	can	can	AUX
fsr-3449	58	16	act	act	VERB
fsr-3449	58	17	as	as	ADP
fsr-3449	58	18	car	car	NOUN
fsr-3449	58	19	or	or	CCONJ
fsr-3449	58	20	homeowner	homeowner	NOUN
fsr-3449	58	21	’s	’s	PART
fsr-3449	58	22	insurance	insurance	NOUN
fsr-3449	58	23	(	(	PUNCT
fsr-3449	58	24	garman	garman	PROPN
fsr-3449	58	25	&	&	CCONJ
fsr-3449	58	26	forgue	forgue	PROPN
fsr-3449	58	27	,	,	PUNCT
fsr-3449	58	28	2018	2018	NUM
fsr-3449	58	29	)	)	PUNCT
fsr-3449	58	30	.	.	PUNCT
fsr-3449	59	1	although	although	SCONJ
fsr-3449	59	2	extensive	extensive	ADJ
fsr-3449	59	3	studies	study	NOUN
fsr-3449	59	4	in	in	ADP
fsr-3449	59	5	the	the	DET
fsr-3449	59	6	current	current	ADJ
fsr-3449	59	7	literature	literature	NOUN
fsr-3449	59	8	have	have	AUX
fsr-3449	59	9	examined	examine	VERB
fsr-3449	59	10	the	the	DET
fsr-3449	59	11	determinants	determinant	NOUN
fsr-3449	59	12	of	of	ADP
fsr-3449	59	13	life	life	NOUN
fsr-3449	59	14	insurance	insurance	NOUN
fsr-3449	59	15	purchasing	purchasing	NOUN
fsr-3449	59	16	without	without	ADP
fsr-3449	59	17	distinguishing	distinguish	VERB
fsr-3449	59	18	between	between	ADP
fsr-3449	59	19	type	type	NOUN
fsr-3449	59	20	,	,	PUNCT
fsr-3449	59	21	some	some	DET
fsr-3449	59	22	studies	study	NOUN
fsr-3449	59	23	have	have	AUX
fsr-3449	59	24	found	find	VERB
fsr-3449	59	25	that	that	SCONJ
fsr-3449	59	26	the	the	DET
fsr-3449	59	27	ownership	ownership	NOUN
fsr-3449	59	28	of	of	ADP
fsr-3449	59	29	term	term	NOUN
fsr-3449	59	30	life	life	NOUN
fsr-3449	59	31	insurance	insurance	NOUN
fsr-3449	59	32	is	be	AUX
fsr-3449	59	33	related	relate	VERB
fsr-3449	59	34	to	to	ADP
fsr-3449	59	35	various	various	ADJ
fsr-3449	59	36	household	household	NOUN
fsr-3449	59	37	characteristics	characteristic	NOUN
fsr-3449	59	38	.	.	PUNCT
fsr-3449	60	1	anderson	anderson	PROPN
fsr-3449	60	2	and	and	CCONJ
fsr-3449	60	3	nevin	nevin	PROPN
fsr-3449	60	4	(	(	PUNCT
fsr-3449	60	5	1975	1975	NUM
fsr-3449	60	6	)	)	PUNCT
fsr-3449	60	7	found	find	VERB
fsr-3449	60	8	that	that	SCONJ
fsr-3449	60	9	young	young	ADJ
fsr-3449	60	10	married	married	ADJ
fsr-3449	60	11	couples	couple	NOUN
fsr-3449	60	12	were	be	AUX
fsr-3449	60	13	more	more	ADV
fsr-3449	60	14	likely	likely	ADJ
fsr-3449	60	15	to	to	PART
fsr-3449	60	16	purchase	purchase	VERB
fsr-3449	60	17	term	term	NOUN
fsr-3449	60	18	life	life	NOUN
fsr-3449	60	19	insurance	insurance	NOUN
fsr-3449	60	20	when	when	SCONJ
fsr-3449	60	21	they	they	PRON
fsr-3449	60	22	had	have	VERB
fsr-3449	60	23	greater	great	ADJ
fsr-3449	60	24	net	net	ADJ
fsr-3449	60	25	worth	worth	NOUN
fsr-3449	60	26	,	,	PUNCT
fsr-3449	60	27	the	the	DET
fsr-3449	60	28	spouse	spouse	NOUN
fsr-3449	60	29	already	already	ADV
fsr-3449	60	30	had	have	VERB
fsr-3449	60	31	life	life	NOUN
fsr-3449	60	32	insurance	insurance	NOUN
fsr-3449	60	33	before	before	ADP
fsr-3449	60	34	marriage	marriage	NOUN
fsr-3449	60	35	,	,	PUNCT
fsr-3449	60	36	and	and	CCONJ
fsr-3449	60	37	there	there	PRON
fsr-3449	60	38	was	be	VERB
fsr-3449	60	39	no	no	DET
fsr-3449	60	40	influence	influence	NOUN
fsr-3449	60	41	of	of	ADP
fsr-3449	60	42	an	an	DET
fsr-3449	60	43	insurance	insurance	NOUN
fsr-3449	60	44	agent	agent	NOUN
fsr-3449	60	45	on	on	ADP
fsr-3449	60	46	the	the	DET
fsr-3449	60	47	life	life	NOUN
fsr-3449	60	48	insurance	insurance	NOUN
fsr-3449	60	49	decision	decision	NOUN
fsr-3449	60	50	.	.	PUNCT
fsr-3449	61	1	goldsmith	goldsmith	PROPN
fsr-3449	61	2	(	(	PUNCT
fsr-3449	61	3	1983	1983	NUM
fsr-3449	61	4	)	)	PUNCT
fsr-3449	61	5	also	also	ADV
fsr-3449	61	6	examined	examine	VERB
fsr-3449	61	7	the	the	DET
fsr-3449	61	8	demand	demand	NOUN
fsr-3449	61	9	for	for	ADP
fsr-3449	61	10	term	term	NOUN
fsr-3449	61	11	life	life	NOUN
fsr-3449	61	12	insurance	insurance	NOUN
fsr-3449	61	13	by	by	ADP
fsr-3449	61	14	focusing	focus	VERB
fsr-3449	61	15	on	on	ADP
fsr-3449	61	16	the	the	DET
fsr-3449	61	17	human	human	ADJ
fsr-3449	61	18	capital	capital	NOUN
fsr-3449	61	19	of	of	ADP
fsr-3449	61	20	spouses	spouse	NOUN
fsr-3449	61	21	in	in	ADP
fsr-3449	61	22	married	married	ADJ
fsr-3449	61	23	-	-	PUNCT
fsr-3449	61	24	couple	couple	NOUN
fsr-3449	61	25	households	household	NOUN
fsr-3449	61	26	.	.	PUNCT
fsr-3449	62	1	he	he	PRON
fsr-3449	62	2	found	find	VERB
fsr-3449	62	3	that	that	SCONJ
fsr-3449	62	4	the	the	DET
fsr-3449	62	5	spouse	spouse	NOUN
fsr-3449	62	6	’s	’s	PART
fsr-3449	62	7	higher	high	ADJ
fsr-3449	62	8	educational	educational	ADJ
fsr-3449	62	9	level	level	NOUN
fsr-3449	62	10	and	and	CCONJ
fsr-3449	62	11	the	the	DET
fsr-3449	62	12	spouse	spouse	NOUN
fsr-3449	62	13	’s	’s	PART
fsr-3449	62	14	employment	employment	NOUN
fsr-3449	62	15	status	status	NOUN
fsr-3449	62	16	(	(	PUNCT
fsr-3449	62	17	e.g.	e.g.	ADV
fsr-3449	62	18	,	,	PUNCT
fsr-3449	62	19	the	the	DET
fsr-3449	62	20	spouse	spouse	NOUN
fsr-3449	62	21	’s	’s	PART
fsr-3449	62	22	participation	participation	NOUN
fsr-3449	62	23	in	in	ADP
fsr-3449	62	24	the	the	DET
fsr-3449	62	25	labor	labor	NOUN
fsr-3449	62	26	force	force	NOUN
fsr-3449	62	27	)	)	PUNCT
fsr-3449	62	28	decreased	decrease	VERB
fsr-3449	62	29	the	the	DET
fsr-3449	62	30	spouse	spouse	NOUN
fsr-3449	62	31	’s	’s	PART
fsr-3449	62	32	likelihood	likelihood	NOUN
fsr-3449	62	33	to	to	PART
fsr-3449	62	34	purchase	purchase	VERB
fsr-3449	62	35	term	term	NOUN
fsr-3449	62	36	life	life	NOUN
fsr-3449	62	37	insurance	insurance	NOUN
fsr-3449	62	38	.	.	PUNCT
fsr-3449	63	1	the	the	DET
fsr-3449	63	2	spouse	spouse	NOUN
fsr-3449	63	3	’s	’s	PART
fsr-3449	63	4	existing	exist	VERB
fsr-3449	63	5	insurance	insurance	NOUN
fsr-3449	63	6	coverage	coverage	NOUN
fsr-3449	63	7	exceeding	exceed	VERB
fsr-3449	63	8	the	the	DET
fsr-3449	63	9	sample	sample	NOUN
fsr-3449	63	10	mean	mean	VERB
fsr-3449	63	11	,	,	PUNCT
fsr-3449	63	12	a	a	DET
fsr-3449	63	13	greater	great	ADJ
fsr-3449	63	14	household	household	NOUN
fsr-3449	63	15	asset	asset	NOUN
fsr-3449	63	16	level	level	NOUN
fsr-3449	63	17	,	,	PUNCT
fsr-3449	63	18	and	and	CCONJ
fsr-3449	63	19	larger	large	ADJ
fsr-3449	63	20	household	household	NOUN
fsr-3449	63	21	size	size	NOUN
fsr-3449	63	22	were	be	AUX
fsr-3449	63	23	also	also	ADV
fsr-3449	63	24	negatively	negatively	ADV
fsr-3449	63	25	associated	associate	VERB
fsr-3449	63	26	with	with	ADP
fsr-3449	63	27	the	the	DET
fsr-3449	63	28	spouse	spouse	NOUN
fsr-3449	63	29	’s	’s	PART
fsr-3449	63	30	likelihood	likelihood	NOUN
fsr-3449	63	31	to	to	PART
fsr-3449	63	32	purchase	purchase	VERB
fsr-3449	63	33	life	life	NOUN
fsr-3449	63	34	insurance	insurance	NOUN
fsr-3449	63	35	.	.	PUNCT
fsr-3449	64	1	however	however	ADV
fsr-3449	64	2	,	,	PUNCT
fsr-3449	64	3	a	a	DET
fsr-3449	64	4	greater	great	ADJ
fsr-3449	64	5	household	household	NOUN
fsr-3449	64	6	income	income	NOUN
fsr-3449	64	7	level	level	NOUN
fsr-3449	64	8	increased	increase	VERB
fsr-3449	64	9	the	the	DET
fsr-3449	64	10	likelihood	likelihood	NOUN
fsr-3449	64	11	of	of	ADP
fsr-3449	64	12	the	the	DET
fsr-3449	64	13	insurance	insurance	NOUN
fsr-3449	64	14	purchase	purchase	NOUN
fsr-3449	64	15	.	.	PUNCT
fsr-3449	65	1	liebenberg	liebenberg	ADV
fsr-3449	65	2	et	et	PROPN
fsr-3449	65	3	al	al	PROPN
fsr-3449	65	4	.	.	PROPN
fsr-3449	66	1	(	(	PUNCT
fsr-3449	66	2	2012	2012	NUM
fsr-3449	66	3	)	)	PUNCT
fsr-3449	66	4	used	use	VERB
fsr-3449	66	5	the	the	DET
fsr-3449	66	6	1983	1983	NUM
fsr-3449	66	7	-	-	SYM
fsr-3449	66	8	1989	1989	NUM
fsr-3449	66	9	survey	survey	NOUN
fsr-3449	66	10	of	of	ADP
fsr-3449	66	11	consumer	consumer	NOUN
fsr-3449	66	12	finances	finance	NOUN
fsr-3449	66	13	(	(	PUNCT
fsr-3449	66	14	scf	scf	PROPN
fsr-3449	66	15	)	)	PUNCT
fsr-3449	66	16	panel	panel	NOUN
fsr-3449	66	17	dataset	dataset	VERB
fsr-3449	66	18	to	to	PART
fsr-3449	66	19	investigate	investigate	VERB
fsr-3449	66	20	the	the	DET
fsr-3449	66	21	determinants	determinant	NOUN
fsr-3449	66	22	of	of	ADP
fsr-3449	66	23	the	the	DET
fsr-3449	66	24	demand	demand	NOUN
fsr-3449	66	25	for	for	ADP
fsr-3449	66	26	a	a	DET
fsr-3449	66	27	new	new	ADJ
fsr-3449	66	28	life	life	NOUN
fsr-3449	66	29	insurance	insurance	NOUN
fsr-3449	66	30	policy	policy	NOUN
fsr-3449	66	31	,	,	PUNCT
fsr-3449	66	32	as	as	ADV
fsr-3449	66	33	well	well	ADV
fsr-3449	66	34	as	as	ADP
fsr-3449	66	35	a	a	DET
fsr-3449	66	36	change	change	NOUN
fsr-3449	66	37	in	in	ADP
fsr-3449	66	38	life	life	NOUN
fsr-3449	66	39	insurance	insurance	NOUN
fsr-3449	66	40	policy	policy	NOUN
fsr-3449	66	41	.	.	PUNCT
fsr-3449	67	1	they	they	PRON
fsr-3449	67	2	found	find	VERB
fsr-3449	67	3	that	that	SCONJ
fsr-3449	67	4	households	household	NOUN
fsr-3449	67	5	whose	whose	DET
fsr-3449	67	6	statuses	status	NOUN
fsr-3449	67	7	changed	change	VERB
fsr-3449	67	8	over	over	ADP
fsr-3449	67	9	the	the	DET
fsr-3449	67	10	two	two	NUM
fsr-3449	67	11	periods	period	NOUN
fsr-3449	67	12	(	(	PUNCT
fsr-3449	67	13	i.e.	i.e.	X
fsr-3449	67	14	,	,	PUNCT
fsr-3449	67	15	1983	1983	NUM
fsr-3449	67	16	and	and	CCONJ
fsr-3449	67	17	1989)—including	1989)—including	NUM
fsr-3449	67	18	having	have	VERB
fsr-3449	67	19	new	new	ADJ
fsr-3449	67	20	children	child	NOUN
fsr-3449	67	21	,	,	PUNCT
fsr-3449	67	22	experiencing	experience	VERB
fsr-3449	67	23	relatively	relatively	ADV
fsr-3449	67	24	high	high	ADJ
fsr-3449	67	25	levels	level	NOUN
fsr-3449	67	26	of	of	ADP
fsr-3449	67	27	income	income	NOUN
fsr-3449	67	28	growth	growth	NOUN
fsr-3449	67	29	,	,	PUNCT
fsr-3449	67	30	and	and	CCONJ
fsr-3449	67	31	launching	launch	VERB
fsr-3449	67	32	new	new	ADJ
fsr-3449	67	33	jobs	job	NOUN
fsr-3449	67	34	—	—	PUNCT
fsr-3449	67	35	were	be	AUX
fsr-3449	67	36	more	more	ADV
fsr-3449	67	37	likely	likely	ADJ
fsr-3449	67	38	to	to	PART
fsr-3449	67	39	purchase	purchase	VERB
fsr-3449	67	40	new	new	ADJ
fsr-3449	67	41	term	term	NOUN
fsr-3449	67	42	life	life	NOUN
fsr-3449	67	43	insurance	insurance	NOUN
fsr-3449	67	44	policies	policy	NOUN
fsr-3449	67	45	in	in	ADP
fsr-3449	67	46	the	the	DET
fsr-3449	67	47	next	next	ADJ
fsr-3449	67	48	period	period	NOUN
fsr-3449	67	49	if	if	SCONJ
fsr-3449	67	50	they	they	PRON
fsr-3449	67	51	had	have	VERB
fsr-3449	67	52	new	new	ADJ
fsr-3449	67	53	children	child	NOUN
fsr-3449	67	54	.	.	PUNCT
fsr-3449	68	1	in	in	ADP
fsr-3449	68	2	addition	addition	NOUN
fsr-3449	68	3	,	,	PUNCT
fsr-3449	68	4	a	a	DET
fsr-3449	68	5	large	large	ADJ
fsr-3449	68	6	increase	increase	NOUN
fsr-3449	68	7	in	in	ADP
fsr-3449	68	8	income	income	NOUN
fsr-3449	68	9	and	and	CCONJ
fsr-3449	68	10	a	a	DET
fsr-3449	68	11	net	net	ADJ
fsr-3449	68	12	worth	worth	ADJ
fsr-3449	68	13	increase	increase	NOUN
fsr-3449	68	14	were	be	AUX
fsr-3449	68	15	also	also	ADV
fsr-3449	68	16	related	relate	VERB
fsr-3449	68	17	to	to	ADP
fsr-3449	68	18	the	the	DET
fsr-3449	68	19	larger	large	ADJ
fsr-3449	68	20	face	face	NOUN
fsr-3449	68	21	value	value	NOUN
fsr-3449	68	22	of	of	ADP
fsr-3449	68	23	the	the	DET
fsr-3449	68	24	term	term	NOUN
fsr-3449	68	25	life	life	NOUN
fsr-3449	68	26	insurance	insurance	NOUN
fsr-3449	68	27	purchased	purchase	VERB
fsr-3449	68	28	.	.	PUNCT
fsr-3449	69	1	2.3	2.3	NUM
fsr-3449	69	2	.	.	PUNCT
fsr-3449	70	1	determinants	determinant	NOUN
fsr-3449	70	2	generally	generally	ADV
fsr-3449	70	3	known	know	VERB
fsr-3449	70	4	for	for	ADP
fsr-3449	70	5	cash	cash	NOUN
fsr-3449	70	6	value	value	NOUN
fsr-3449	70	7	life	life	NOUN
fsr-3449	70	8	insurance	insurance	NOUN
fsr-3449	70	9	cash	cash	NOUN
fsr-3449	70	10	value	value	NOUN
fsr-3449	70	11	life	life	NOUN
fsr-3449	70	12	insurance	insurance	NOUN
fsr-3449	70	13	policies	policy	NOUN
fsr-3449	70	14	(	(	PUNCT
fsr-3449	70	15	also	also	ADV
fsr-3449	70	16	known	know	VERB
fsr-3449	70	17	as	as	ADP
fsr-3449	70	18	whole	whole	ADJ
fsr-3449	70	19	life	life	NOUN
fsr-3449	70	20	or	or	CCONJ
fsr-3449	70	21	permanent	permanent	ADJ
fsr-3449	70	22	life	life	NOUN
fsr-3449	70	23	policies	policy	NOUN
fsr-3449	70	24	)	)	PUNCT
fsr-3449	70	25	are	be	AUX
fsr-3449	70	26	not	not	PART
fsr-3449	70	27	term	term	NOUN
fsr-3449	70	28	-	-	PUNCT
fsr-3449	70	29	dependent	dependent	ADJ
fsr-3449	70	30	(	(	PUNCT
fsr-3449	70	31	brown	brown	PROPN
fsr-3449	70	32	&	&	CCONJ
fsr-3449	70	33	goolsbee	goolsbee	PROPN
fsr-3449	70	34	,	,	PUNCT
fsr-3449	70	35	2002	2002	NUM
fsr-3449	70	36	)	)	PUNCT
fsr-3449	70	37	.	.	PUNCT
fsr-3449	71	1	these	these	DET
fsr-3449	71	2	policies	policy	NOUN
fsr-3449	71	3	provide	provide	VERB
fsr-3449	71	4	insurance	insurance	NOUN
fsr-3449	71	5	over	over	ADP
fsr-3449	71	6	the	the	DET
fsr-3449	71	7	lifetime	lifetime	NOUN
fsr-3449	71	8	of	of	ADP
fsr-3449	71	9	the	the	DET
fsr-3449	71	10	policyholder	policyholder	NOUN
fsr-3449	71	11	and	and	CCONJ
fsr-3449	71	12	pay	pay	VERB
fsr-3449	71	13	a	a	DET
fsr-3449	71	14	death	death	NOUN
fsr-3449	71	15	benefit	benefit	NOUN
fsr-3449	71	16	upon	upon	SCONJ
fsr-3449	71	17	the	the	DET
fsr-3449	71	18	death	death	NOUN
fsr-3449	71	19	of	of	ADP
fsr-3449	71	20	the	the	DET
fsr-3449	71	21	insured	insure	VERB
fsr-3449	71	22	.	.	PUNCT
fsr-3449	72	1	cash	cash	NOUN
fsr-3449	72	2	value	value	NOUN
fsr-3449	72	3	insurance	insurance	NOUN
fsr-3449	72	4	life	life	NOUN
fsr-3449	72	5	policies	policy	NOUN
fsr-3449	72	6	also	also	ADV
fsr-3449	72	7	provide	provide	VERB
fsr-3449	72	8	a	a	DET
fsr-3449	72	9	savings	saving	NOUN
fsr-3449	72	10	element	element	NOUN
fsr-3449	72	11	that	that	PRON
fsr-3449	72	12	is	be	AUX
fsr-3449	72	13	invested	invest	VERB
fsr-3449	72	14	separately	separately	ADV
fsr-3449	72	15	under	under	ADP
fsr-3449	72	16	the	the	DET
fsr-3449	72	17	policy	policy	NOUN
fsr-3449	72	18	and	and	CCONJ
fsr-3449	72	19	builds	build	VERB
fsr-3449	72	20	up	up	ADP
fsr-3449	72	21	over	over	ADP
fsr-3449	72	22	time	time	NOUN
fsr-3449	72	23	,	,	PUNCT
fsr-3449	72	24	either	either	CCONJ
fsr-3449	72	25	at	at	ADP
fsr-3449	72	26	a	a	DET
fsr-3449	72	27	fixed	fix	VERB
fsr-3449	72	28	rate	rate	NOUN
fsr-3449	72	29	or	or	CCONJ
fsr-3449	72	30	at	at	ADP
fsr-3449	72	31	a	a	DET
fsr-3449	72	32	variable	variable	ADJ
fsr-3449	72	33	rate	rate	NOUN
fsr-3449	72	34	(	(	PUNCT
fsr-3449	72	35	garman	garman	PROPN
fsr-3449	72	36	&	&	CCONJ
fsr-3449	72	37	104	104	NUM
fsr-3449	72	38	w.	w.	PROPN
fsr-3449	72	39	heo	heo	PROPN
fsr-3449	72	40	et	et	PROPN
fsr-3449	72	41	al	al	PROPN
fsr-3449	72	42	.	.	PUNCT
fsr-3449	72	43	/	/	SYM
fsr-3449	72	44	financial	financial	ADJ
fsr-3449	72	45	services	service	NOUN
fsr-3449	72	46	review	review	VERB
fsr-3449	72	47	29	29	NUM
fsr-3449	72	48	(	(	PUNCT
fsr-3449	72	49	2021	2021	NUM
fsr-3449	72	50	)	)	PUNCT
fsr-3449	72	51	101–119	101–119	NUM
fsr-3449	72	52	forgue	forgue	NOUN
fsr-3449	72	53	,	,	PUNCT
fsr-3449	72	54	2018	2018	NUM
fsr-3449	72	55	)	)	PUNCT
fsr-3449	72	56	.	.	PUNCT
fsr-3449	73	1	the	the	DET
fsr-3449	73	2	cash	cash	NOUN
fsr-3449	73	3	value	value	NOUN
fsr-3449	73	4	element	element	NOUN
fsr-3449	73	5	can	can	AUX
fsr-3449	73	6	pay	pay	VERB
fsr-3449	73	7	a	a	DET
fsr-3449	73	8	living	live	VERB
fsr-3449	73	9	benefit	benefit	NOUN
fsr-3449	73	10	to	to	ADP
fsr-3449	73	11	the	the	DET
fsr-3449	73	12	policyholders	policyholder	NOUN
fsr-3449	73	13	before	before	ADP
fsr-3449	73	14	the	the	DET
fsr-3449	73	15	death	death	NOUN
fsr-3449	73	16	of	of	ADP
fsr-3449	73	17	the	the	DET
fsr-3449	73	18	insured	insure	VERB
fsr-3449	73	19	,	,	PUNCT
fsr-3449	73	20	and	and	CCONJ
fsr-3449	73	21	policyholders	policyholder	NOUN
fsr-3449	73	22	can	can	AUX
fsr-3449	73	23	cborrow	cborrow	VERB
fsr-3449	73	24	against	against	ADP
fsr-3449	73	25	the	the	DET
fsr-3449	73	26	accumulated	accumulate	VERB
fsr-3449	73	27	cash	cash	NOUN
fsr-3449	73	28	value	value	NOUN
fsr-3449	73	29	and	and	CCONJ
fsr-3449	73	30	pay	pay	VERB
fsr-3449	73	31	policy	policy	NOUN
fsr-3449	73	32	premiums	premium	NOUN
fsr-3449	73	33	using	use	VERB
fsr-3449	73	34	cash	cash	NOUN
fsr-3449	73	35	value	value	NOUN
fsr-3449	73	36	.	.	PUNCT
fsr-3449	74	1	cash	cash	NOUN
fsr-3449	74	2	value	value	NOUN
fsr-3449	74	3	life	life	NOUN
fsr-3449	74	4	insurance	insurance	NOUN
fsr-3449	74	5	policies	policy	NOUN
fsr-3449	74	6	typically	typically	ADV
fsr-3449	74	7	charge	charge	VERB
fsr-3449	74	8	higher	high	ADJ
fsr-3449	74	9	premiums	premium	NOUN
fsr-3449	74	10	and	and	CCONJ
fsr-3449	74	11	come	come	VERB
fsr-3449	74	12	with	with	ADP
fsr-3449	74	13	less	less	ADV
fsr-3449	74	14	homogenous	homogenous	ADJ
fsr-3449	74	15	options	option	NOUN
fsr-3449	74	16	because	because	SCONJ
fsr-3449	74	17	they	they	PRON
fsr-3449	74	18	come	come	VERB
fsr-3449	74	19	with	with	ADP
fsr-3449	74	20	a	a	DET
fsr-3449	74	21	greater	great	ADJ
fsr-3449	74	22	variety	variety	NOUN
fsr-3449	74	23	of	of	ADP
fsr-3449	74	24	options	option	NOUN
fsr-3449	74	25	and	and	CCONJ
fsr-3449	74	26	plans	plan	NOUN
fsr-3449	74	27	(	(	PUNCT
fsr-3449	74	28	e.g.	e.g.	ADV
fsr-3449	74	29	,	,	PUNCT
fsr-3449	74	30	premium	premium	ADJ
fsr-3449	74	31	payment	payment	NOUN
fsr-3449	74	32	,	,	PUNCT
fsr-3449	74	33	borrowing	borrowing	NOUN
fsr-3449	74	34	,	,	PUNCT
fsr-3449	74	35	rate	rate	NOUN
fsr-3449	74	36	of	of	ADP
fsr-3449	74	37	return	return	NOUN
fsr-3449	74	38	,	,	PUNCT
fsr-3449	74	39	investment	investment	NOUN
fsr-3449	74	40	types	type	NOUN
fsr-3449	74	41	,	,	PUNCT
fsr-3449	74	42	fees	fee	NOUN
fsr-3449	74	43	,	,	PUNCT
fsr-3449	74	44	and	and	CCONJ
fsr-3449	74	45	charges	charge	NOUN
fsr-3449	74	46	)	)	PUNCT
fsr-3449	74	47	than	than	ADP
fsr-3449	74	48	term	term	NOUN
fsr-3449	74	49	life	life	NOUN
fsr-3449	74	50	insurance	insurance	NOUN
fsr-3449	74	51	does	do	AUX
fsr-3449	74	52	(	(	PUNCT
fsr-3449	74	53	brown	brown	PROPN
fsr-3449	74	54	&	&	CCONJ
fsr-3449	74	55	goolsbee	goolsbee	PROPN
fsr-3449	74	56	,	,	PUNCT
fsr-3449	74	57	2002	2002	NUM
fsr-3449	74	58	)	)	PUNCT
fsr-3449	74	59	.	.	PUNCT
fsr-3449	75	1	few	few	ADJ
fsr-3449	75	2	studies	study	NOUN
fsr-3449	75	3	have	have	AUX
fsr-3449	75	4	empirically	empirically	ADV
fsr-3449	75	5	examined	examine	VERB
fsr-3449	75	6	the	the	DET
fsr-3449	75	7	effects	effect	NOUN
fsr-3449	75	8	of	of	ADP
fsr-3449	75	9	household	household	NOUN
fsr-3449	75	10	characteristics	characteristic	NOUN
fsr-3449	75	11	on	on	ADP
fsr-3449	75	12	the	the	DET
fsr-3449	75	13	ownership	ownership	NOUN
fsr-3449	75	14	of	of	ADP
fsr-3449	75	15	cash	cash	NOUN
fsr-3449	75	16	value	value	NOUN
fsr-3449	75	17	life	life	NOUN
fsr-3449	75	18	insurance	insurance	NOUN
fsr-3449	75	19	.	.	PUNCT
fsr-3449	76	1	mulholland	mulholland	NOUN
fsr-3449	76	2	,	,	PUNCT
fsr-3449	76	3	finke	finke	PROPN
fsr-3449	76	4	,	,	PUNCT
fsr-3449	76	5	and	and	CCONJ
fsr-3449	76	6	huston	huston	PROPN
fsr-3449	76	7	(	(	PUNCT
fsr-3449	76	8	2016	2016	NUM
fsr-3449	76	9	)	)	PUNCT
fsr-3449	76	10	examined	examine	VERB
fsr-3449	76	11	the	the	DET
fsr-3449	76	12	determinants	determinant	NOUN
fsr-3449	76	13	of	of	ADP
fsr-3449	76	14	ownership	ownership	NOUN
fsr-3449	76	15	of	of	ADP
fsr-3449	76	16	cash	cash	NOUN
fsr-3449	76	17	value	value	NOUN
fsr-3449	76	18	life	life	NOUN
fsr-3449	76	19	insurance	insurance	NOUN
fsr-3449	76	20	using	use	VERB
fsr-3449	76	21	the	the	DET
fsr-3449	76	22	scf	scf	PROPN
fsr-3449	76	23	dataset	dataset	NOUN
fsr-3449	76	24	,	,	PUNCT
fsr-3449	76	25	but	but	CCONJ
fsr-3449	76	26	despite	despite	SCONJ
fsr-3449	76	27	changes	change	NOUN
fsr-3449	76	28	in	in	ADP
fsr-3449	76	29	the	the	DET
fsr-3449	76	30	effects	effect	NOUN
fsr-3449	76	31	of	of	ADP
fsr-3449	76	32	the	the	DET
fsr-3449	76	33	determinants	determinant	NOUN
fsr-3449	76	34	across	across	ADP
fsr-3449	76	35	different	different	ADJ
fsr-3449	76	36	survey	survey	NOUN
fsr-3449	76	37	years	year	NOUN
fsr-3449	76	38	,	,	PUNCT
fsr-3449	76	39	they	they	PRON
fsr-3449	76	40	found	find	VERB
fsr-3449	76	41	that	that	SCONJ
fsr-3449	76	42	the	the	DET
fsr-3449	76	43	following	follow	VERB
fsr-3449	76	44	were	be	AUX
fsr-3449	76	45	more	more	ADV
fsr-3449	76	46	consistently	consistently	ADV
fsr-3449	76	47	related	relate	VERB
fsr-3449	76	48	to	to	ADP
fsr-3449	76	49	the	the	DET
fsr-3449	76	50	likelihood	likelihood	NOUN
fsr-3449	76	51	of	of	ADP
fsr-3449	76	52	the	the	DET
fsr-3449	76	53	ownership	ownership	NOUN
fsr-3449	76	54	of	of	ADP
fsr-3449	76	55	cash	cash	NOUN
fsr-3449	76	56	value	value	NOUN
fsr-3449	76	57	life	life	NOUN
fsr-3449	76	58	insurance	insurance	NOUN
fsr-3449	76	59	:	:	PUNCT
fsr-3449	76	60	net	net	ADJ
fsr-3449	76	61	worth	worth	ADJ
fsr-3449	76	62	,	,	PUNCT
fsr-3449	76	63	educational	educational	ADJ
fsr-3449	76	64	level	level	NOUN
fsr-3449	76	65	,	,	PUNCT
fsr-3449	76	66	whether	whether	SCONJ
fsr-3449	76	67	or	or	CCONJ
fsr-3449	76	68	not	not	PART
fsr-3449	76	69	the	the	DET
fsr-3449	76	70	insured	insure	VERB
fsr-3449	76	71	was	be	AUX
fsr-3449	76	72	married	marry	VERB
fsr-3449	76	73	,	,	PUNCT
fsr-3449	76	74	having	have	VERB
fsr-3449	76	75	retirement	retirement	NOUN
fsr-3449	76	76	saving	saving	NOUN
fsr-3449	76	77	plans	plan	NOUN
fsr-3449	76	78	(	(	PUNCT
fsr-3449	76	79	e.g.	e.g.	ADV
fsr-3449	76	80	,	,	PUNCT
fsr-3449	76	81	ira	ira	PROPN
fsr-3449	76	82	/	/	SYM
fsr-3449	76	83	roth	roth	PROPN
fsr-3449	76	84	,	,	PUNCT
fsr-3449	76	85	dc	dc	PROPN
fsr-3449	76	86	,	,	PUNCT
fsr-3449	76	87	or	or	CCONJ
fsr-3449	76	88	db	db	VERB
fsr-3449	76	89	plans	plan	NOUN
fsr-3449	76	90	)	)	PUNCT
fsr-3449	76	91	,	,	PUNCT
fsr-3449	76	92	having	have	VERB
fsr-3449	76	93	a	a	DET
fsr-3449	76	94	child	child	NOUN
fsr-3449	76	95	,	,	PUNCT
fsr-3449	76	96	and	and	CCONJ
fsr-3449	76	97	financial	financial	ADJ
fsr-3449	76	98	sophistication	sophistication	NOUN
fsr-3449	76	99	.	.	PUNCT
fsr-3449	77	1	meanwhile	meanwhile	ADV
fsr-3449	77	2	,	,	PUNCT
fsr-3449	77	3	younger	young	ADJ
fsr-3449	77	4	age	age	NOUN
fsr-3449	77	5	and	and	CCONJ
fsr-3449	77	6	ownership	ownership	NOUN
fsr-3449	77	7	of	of	ADP
fsr-3449	77	8	term	term	NOUN
fsr-3449	77	9	life	life	NOUN
fsr-3449	77	10	insurance	insurance	NOUN
fsr-3449	77	11	were	be	AUX
fsr-3449	77	12	negatively	negatively	ADV
fsr-3449	77	13	related	relate	VERB
fsr-3449	77	14	to	to	ADP
fsr-3449	77	15	the	the	DET
fsr-3449	77	16	likelihood	likelihood	NOUN
fsr-3449	77	17	of	of	ADP
fsr-3449	77	18	owning	own	VERB
fsr-3449	77	19	cash	cash	NOUN
fsr-3449	77	20	value	value	NOUN
fsr-3449	77	21	life	life	NOUN
fsr-3449	77	22	insurance	insurance	NOUN
fsr-3449	77	23	.	.	PUNCT
fsr-3449	78	1	liebenberg	liebenberg	ADV
fsr-3449	78	2	et	et	PROPN
fsr-3449	78	3	al	al	PROPN
fsr-3449	78	4	.	.	PROPN
fsr-3449	79	1	(	(	PUNCT
fsr-3449	79	2	2012	2012	NUM
fsr-3449	79	3	)	)	PUNCT
fsr-3449	79	4	found	find	VERB
fsr-3449	79	5	that	that	SCONJ
fsr-3449	79	6	changes	change	NOUN
fsr-3449	79	7	in	in	ADP
fsr-3449	79	8	the	the	DET
fsr-3449	79	9	statuses	status	NOUN
fsr-3449	79	10	of	of	ADP
fsr-3449	79	11	households	household	NOUN
fsr-3449	79	12	over	over	ADP
fsr-3449	79	13	the	the	DET
fsr-3449	79	14	two	two	NUM
fsr-3449	79	15	periods	period	NOUN
fsr-3449	79	16	,	,	PUNCT
fsr-3449	79	17	such	such	ADJ
fsr-3449	79	18	as	as	ADP
fsr-3449	79	19	newly	newly	ADV
fsr-3449	79	20	married	married	ADJ
fsr-3449	79	21	couples	couple	NOUN
fsr-3449	79	22	’	'	PUNCT
fsr-3449	79	23	households	household	NOUN
fsr-3449	79	24	experiencing	experience	VERB
fsr-3449	79	25	relatively	relatively	ADV
fsr-3449	79	26	high	high	ADJ
fsr-3449	79	27	income	income	NOUN
fsr-3449	79	28	growth	growth	NOUN
fsr-3449	79	29	,	,	PUNCT
fsr-3449	79	30	were	be	AUX
fsr-3449	79	31	more	more	ADV
fsr-3449	79	32	likely	likely	ADJ
fsr-3449	79	33	to	to	PART
fsr-3449	79	34	have	have	VERB
fsr-3449	79	35	new	new	ADJ
fsr-3449	79	36	whole	whole	ADJ
fsr-3449	79	37	life	life	NOUN
fsr-3449	79	38	insurance	insurance	NOUN
fsr-3449	79	39	policies	policy	NOUN
fsr-3449	79	40	.	.	PUNCT
fsr-3449	80	1	meanwhile	meanwhile	ADV
fsr-3449	80	2	,	,	PUNCT
fsr-3449	80	3	new	new	ADJ
fsr-3449	80	4	employment	employment	NOUN
fsr-3449	80	5	,	,	PUNCT
fsr-3449	80	6	growth	growth	NOUN
fsr-3449	80	7	in	in	ADP
fsr-3449	80	8	income	income	NOUN
fsr-3449	80	9	,	,	PUNCT
fsr-3449	80	10	and	and	CCONJ
fsr-3449	80	11	amount	amount	NOUN
fsr-3449	80	12	of	of	ADP
fsr-3449	80	13	term	term	NOUN
fsr-3449	80	14	life	life	NOUN
fsr-3449	80	15	insurance	insurance	NOUN
fsr-3449	80	16	dropped	drop	VERB
fsr-3449	80	17	were	be	AUX
fsr-3449	80	18	each	each	PRON
fsr-3449	80	19	positively	positively	ADV
fsr-3449	80	20	related	relate	VERB
fsr-3449	80	21	to	to	ADP
fsr-3449	80	22	the	the	DET
fsr-3449	80	23	amount	amount	NOUN
fsr-3449	80	24	of	of	ADP
fsr-3449	80	25	new	new	ADJ
fsr-3449	80	26	cash	cash	NOUN
fsr-3449	80	27	value	value	NOUN
fsr-3449	80	28	life	life	NOUN
fsr-3449	80	29	insurance	insurance	NOUN
fsr-3449	80	30	.	.	PUNCT
fsr-3449	81	1	using	use	VERB
fsr-3449	81	2	data	datum	NOUN
fsr-3449	81	3	from	from	ADP
fsr-3449	81	4	the	the	DET
fsr-3449	81	5	national	national	ADJ
fsr-3449	81	6	longitudinal	longitudinal	ADJ
fsr-3449	81	7	survey	survey	NOUN
fsr-3449	81	8	of	of	ADP
fsr-3449	81	9	youth	youth	NOUN
fsr-3449	81	10	1979	1979	NUM
fsr-3449	81	11	(	(	PUNCT
fsr-3449	81	12	nlsy79	nlsy79	NOUN
fsr-3449	81	13	)	)	PUNCT
fsr-3449	81	14	,	,	PUNCT
fsr-3449	81	15	song	song	NOUN
fsr-3449	81	16	et	et	PROPN
fsr-3449	81	17	al	al	PROPN
fsr-3449	81	18	.	.	PROPN
fsr-3449	82	1	(	(	PUNCT
fsr-3449	82	2	2019	2019	NUM
fsr-3449	82	3	)	)	PUNCT
fsr-3449	82	4	examined	examine	VERB
fsr-3449	82	5	the	the	DET
fsr-3449	82	6	changes	change	NOUN
fsr-3449	82	7	in	in	ADP
fsr-3449	82	8	life	life	NOUN
fsr-3449	82	9	insurance	insurance	NOUN
fsr-3449	82	10	ownership	ownership	NOUN
fsr-3449	82	11	during	during	ADP
fsr-3449	82	12	the	the	DET
fsr-3449	82	13	two	two	NUM
fsr-3449	82	14	waves	wave	NOUN
fsr-3449	82	15	of	of	ADP
fsr-3449	82	16	the	the	DET
fsr-3449	82	17	survey	survey	NOUN
fsr-3449	82	18	(	(	PUNCT
fsr-3449	82	19	i.e.	i.e.	X
fsr-3449	82	20	,	,	PUNCT
fsr-3449	82	21	2008	2008	NUM
fsr-3449	82	22	and	and	CCONJ
fsr-3449	82	23	2012	2012	NUM
fsr-3449	82	24	)	)	PUNCT
fsr-3449	82	25	.	.	PUNCT
fsr-3449	83	1	the	the	DET
fsr-3449	83	2	researchers	researcher	NOUN
fsr-3449	83	3	found	find	VERB
fsr-3449	83	4	that	that	SCONJ
fsr-3449	83	5	the	the	DET
fsr-3449	83	6	respondents	respondent	NOUN
fsr-3449	83	7	with	with	ADP
fsr-3449	83	8	increases	increase	NOUN
fsr-3449	83	9	in	in	ADP
fsr-3449	83	10	savings	saving	NOUN
fsr-3449	83	11	,	,	PUNCT
fsr-3449	83	12	as	as	ADV
fsr-3449	83	13	well	well	ADV
fsr-3449	83	14	as	as	ADP
fsr-3449	83	15	those	those	PRON
fsr-3449	83	16	who	who	PRON
fsr-3449	83	17	had	have	AUX
fsr-3449	83	18	experienced	experience	VERB
fsr-3449	83	19	the	the	DET
fsr-3449	83	20	recent	recent	ADJ
fsr-3449	83	21	deaths	death	NOUN
fsr-3449	83	22	of	of	ADP
fsr-3449	83	23	family	family	NOUN
fsr-3449	83	24	members	member	NOUN
fsr-3449	83	25	,	,	PUNCT
fsr-3449	83	26	were	be	AUX
fsr-3449	83	27	more	more	ADV
fsr-3449	83	28	likely	likely	ADJ
fsr-3449	83	29	to	to	PART
fsr-3449	83	30	purchase	purchase	VERB
fsr-3449	83	31	cash	cash	NOUN
fsr-3449	83	32	value	value	NOUN
fsr-3449	83	33	life	life	NOUN
fsr-3449	83	34	insurance	insurance	NOUN
fsr-3449	83	35	policies	policy	NOUN
fsr-3449	83	36	.	.	PUNCT
fsr-3449	84	1	2.4	2.4	NUM
fsr-3449	84	2	.	.	PUNCT
fsr-3449	85	1	risk	risk	NOUN
fsr-3449	85	2	tolerance	tolerance	NOUN
fsr-3449	85	3	,	,	PUNCT
fsr-3449	85	4	financial	financial	ADJ
fsr-3449	85	5	knowledge	knowledge	NOUN
fsr-3449	85	6	,	,	PUNCT
fsr-3449	85	7	and	and	CCONJ
fsr-3449	85	8	perceived	perceive	VERB
fsr-3449	85	9	health	health	NOUN
fsr-3449	85	10	condition	condition	NOUN
fsr-3449	85	11	risk	risk	NOUN
fsr-3449	85	12	attitude	attitude	NOUN
fsr-3449	85	13	has	have	AUX
fsr-3449	85	14	attracted	attract	VERB
fsr-3449	85	15	significant	significant	ADJ
fsr-3449	85	16	attention	attention	NOUN
fsr-3449	85	17	from	from	ADP
fsr-3449	85	18	researchers	researcher	NOUN
fsr-3449	85	19	as	as	ADP
fsr-3449	85	20	a	a	DET
fsr-3449	85	21	determinant	determinant	NOUN
fsr-3449	85	22	of	of	ADP
fsr-3449	85	23	life	life	NOUN
fsr-3449	85	24	insurance	insurance	NOUN
fsr-3449	85	25	demands	demand	NOUN
fsr-3449	85	26	,	,	PUNCT
fsr-3449	85	27	and	and	CCONJ
fsr-3449	85	28	it	it	PRON
fsr-3449	85	29	is	be	AUX
fsr-3449	85	30	conceptualized	conceptualize	VERB
fsr-3449	85	31	by	by	ADP
fsr-3449	85	32	various	various	ADJ
fsr-3449	85	33	terms	term	NOUN
fsr-3449	85	34	,	,	PUNCT
fsr-3449	85	35	including	include	VERB
fsr-3449	85	36	risk	risk	NOUN
fsr-3449	85	37	tolerance	tolerance	NOUN
fsr-3449	85	38	,	,	PUNCT
fsr-3449	85	39	risk	risk	NOUN
fsr-3449	85	40	aversion	aversion	NOUN
fsr-3449	85	41	,	,	PUNCT
fsr-3449	85	42	risk	risk	NOUN
fsr-3449	85	43	preference	preference	NOUN
fsr-3449	85	44	,	,	PUNCT
fsr-3449	85	45	and	and	CCONJ
fsr-3449	85	46	risk	risk	NOUN
fsr-3449	85	47	-	-	PUNCT
fsr-3449	85	48	taking	taking	NOUN
fsr-3449	85	49	,	,	PUNCT
fsr-3449	85	50	depending	depend	VERB
fsr-3449	85	51	on	on	ADP
fsr-3449	85	52	the	the	DET
fsr-3449	85	53	definitions	definition	NOUN
fsr-3449	85	54	presented	present	VERB
fsr-3449	85	55	in	in	ADP
fsr-3449	85	56	the	the	DET
fsr-3449	85	57	studies	study	NOUN
fsr-3449	85	58	.	.	PUNCT
fsr-3449	86	1	however	however	ADV
fsr-3449	86	2	,	,	PUNCT
fsr-3449	86	3	no	no	ADV
fsr-3449	86	4	matter	matter	ADV
fsr-3449	86	5	which	which	DET
fsr-3449	86	6	term	term	NOUN
fsr-3449	86	7	is	be	AUX
fsr-3449	86	8	used	use	VERB
fsr-3449	86	9	,	,	PUNCT
fsr-3449	86	10	risk	risk	NOUN
fsr-3449	86	11	attitude	attitude	NOUN
fsr-3449	86	12	has	have	AUX
fsr-3449	86	13	been	be	AUX
fsr-3449	86	14	found	find	VERB
fsr-3449	86	15	to	to	PART
fsr-3449	86	16	be	be	AUX
fsr-3449	86	17	closely	closely	ADV
fsr-3449	86	18	associated	associate	VERB
fsr-3449	86	19	with	with	ADP
fsr-3449	86	20	life	life	NOUN
fsr-3449	86	21	insurance	insurance	NOUN
fsr-3449	86	22	ownership	ownership	NOUN
fsr-3449	86	23	(	(	PUNCT
fsr-3449	86	24	outreville	outreville	NOUN
fsr-3449	86	25	,	,	PUNCT
fsr-3449	86	26	2014	2014	NUM
fsr-3449	86	27	)	)	PUNCT
fsr-3449	86	28	.	.	PUNCT
fsr-3449	87	1	however	however	ADV
fsr-3449	87	2	,	,	PUNCT
fsr-3449	87	3	the	the	DET
fsr-3449	87	4	effect	effect	NOUN
fsr-3449	87	5	of	of	ADP
fsr-3449	87	6	risk	risk	NOUN
fsr-3449	87	7	attitude	attitude	NOUN
fsr-3449	87	8	has	have	AUX
fsr-3449	87	9	shown	show	VERB
fsr-3449	87	10	mixed	mixed	ADJ
fsr-3449	87	11	results	result	NOUN
fsr-3449	87	12	.	.	PUNCT
fsr-3449	88	1	for	for	ADP
fsr-3449	88	2	example	example	NOUN
fsr-3449	88	3	,	,	PUNCT
fsr-3449	88	4	some	some	DET
fsr-3449	88	5	researchers	researcher	NOUN
fsr-3449	88	6	have	have	AUX
fsr-3449	88	7	found	find	VERB
fsr-3449	88	8	that	that	SCONJ
fsr-3449	88	9	consumers	consumer	NOUN
fsr-3449	88	10	with	with	ADP
fsr-3449	88	11	less	less	ADJ
fsr-3449	88	12	risk	risk	NOUN
fsr-3449	88	13	tolerance	tolerance	NOUN
fsr-3449	88	14	were	be	AUX
fsr-3449	88	15	likely	likely	ADJ
fsr-3449	88	16	to	to	PART
fsr-3449	88	17	buy	buy	VERB
fsr-3449	88	18	life	life	NOUN
fsr-3449	88	19	insurance	insurance	NOUN
fsr-3449	88	20	in	in	ADP
fsr-3449	88	21	their	their	PRON
fsr-3449	88	22	asset	asset	NOUN
fsr-3449	88	23	allocation	allocation	NOUN
fsr-3449	88	24	(	(	PUNCT
fsr-3449	88	25	chen	chen	PROPN
fsr-3449	88	26	,	,	PUNCT
fsr-3449	88	27	ibbotson	ibbotson	PROPN
fsr-3449	88	28	,	,	PUNCT
fsr-3449	88	29	milevsky	milevsky	NOUN
fsr-3449	88	30	,	,	PUNCT
fsr-3449	88	31	&	&	CCONJ
fsr-3449	88	32	zhu	zhu	PROPN
fsr-3449	88	33	,	,	PUNCT
fsr-3449	88	34	2006	2006	NUM
fsr-3449	88	35	;	;	PUNCT
fsr-3449	88	36	finke	finke	PROPN
fsr-3449	88	37	&	&	CCONJ
fsr-3449	88	38	huston	huston	PROPN
fsr-3449	88	39	,	,	PUNCT
fsr-3449	88	40	2003	2003	NUM
fsr-3449	88	41	)	)	PUNCT
fsr-3449	88	42	.	.	PUNCT
fsr-3449	89	1	others	other	NOUN
fsr-3449	89	2	found	find	VERB
fsr-3449	89	3	that	that	SCONJ
fsr-3449	89	4	people	people	NOUN
fsr-3449	89	5	with	with	ADP
fsr-3449	89	6	a	a	DET
fsr-3449	89	7	higher	high	ADJ
fsr-3449	89	8	tendency	tendency	NOUN
fsr-3449	89	9	to	to	PART
fsr-3449	89	10	take	take	VERB
fsr-3449	89	11	risks	risk	NOUN
fsr-3449	89	12	were	be	AUX
fsr-3449	89	13	likely	likely	ADJ
fsr-3449	89	14	to	to	PART
fsr-3449	89	15	purchase	purchase	VERB
fsr-3449	89	16	life	life	NOUN
fsr-3449	89	17	insurance	insurance	NOUN
fsr-3449	89	18	because	because	SCONJ
fsr-3449	89	19	they	they	PRON
fsr-3449	89	20	sought	seek	VERB
fsr-3449	89	21	greater	great	ADJ
fsr-3449	89	22	risk	risk	NOUN
fsr-3449	89	23	exposure	exposure	NOUN
fsr-3449	89	24	(	(	PUNCT
fsr-3449	89	25	burnett	burnett	PROPN
fsr-3449	89	26	&	&	CCONJ
fsr-3449	89	27	palmer	palmer	PROPN
fsr-3449	89	28	,	,	PUNCT
fsr-3449	89	29	1984	1984	NUM
fsr-3449	89	30	;	;	PUNCT
fsr-3449	89	31	xiao	xiao	PROPN
fsr-3449	89	32	,	,	PUNCT
fsr-3449	89	33	1996	1996	NUM
fsr-3449	89	34	)	)	PUNCT
fsr-3449	89	35	.	.	PUNCT
fsr-3449	90	1	baek	baek	NOUN
fsr-3449	90	2	and	and	CCONJ
fsr-3449	90	3	devaney	devaney	PROPN
fsr-3449	90	4	(	(	PUNCT
fsr-3449	90	5	2005	2005	NUM
fsr-3449	90	6	)	)	PUNCT
fsr-3449	90	7	found	find	VERB
fsr-3449	90	8	that	that	SCONJ
fsr-3449	90	9	an	an	DET
fsr-3449	90	10	above	above	ADJ
fsr-3449	90	11	-	-	PUNCT
fsr-3449	90	12	average	average	NOUN
fsr-3449	90	13	level	level	NOUN
fsr-3449	90	14	of	of	ADP
fsr-3449	90	15	risk	risk	NOUN
fsr-3449	90	16	-	-	PUNCT
fsr-3449	90	17	taking	taking	NOUN
fsr-3449	90	18	was	be	AUX
fsr-3449	90	19	positively	positively	ADV
fsr-3449	90	20	associated	associate	VERB
fsr-3449	90	21	with	with	ADP
fsr-3449	90	22	term	term	NOUN
fsr-3449	90	23	life	life	NOUN
fsr-3449	90	24	insurance	insurance	NOUN
fsr-3449	90	25	ownership	ownership	NOUN
fsr-3449	90	26	,	,	PUNCT
fsr-3449	90	27	but	but	CCONJ
fsr-3449	90	28	it	it	PRON
fsr-3449	90	29	was	be	AUX
fsr-3449	90	30	not	not	PART
fsr-3449	90	31	associated	associate	VERB
fsr-3449	90	32	with	with	ADP
fsr-3449	90	33	cash	cash	NOUN
fsr-3449	90	34	value	value	NOUN
fsr-3449	90	35	life	life	NOUN
fsr-3449	90	36	insurance	insurance	NOUN
fsr-3449	90	37	ownership	ownership	NOUN
fsr-3449	90	38	.	.	PUNCT
fsr-3449	91	1	song	song	NOUN
fsr-3449	91	2	et	et	PROPN
fsr-3449	91	3	al	al	PROPN
fsr-3449	91	4	.	.	PROPN
fsr-3449	92	1	(	(	PUNCT
fsr-3449	92	2	2019	2019	NUM
fsr-3449	92	3	)	)	PUNCT
fsr-3449	92	4	also	also	ADV
fsr-3449	92	5	discovered	discover	VERB
fsr-3449	92	6	that	that	SCONJ
fsr-3449	92	7	the	the	DET
fsr-3449	92	8	impact	impact	NOUN
fsr-3449	92	9	of	of	ADP
fsr-3449	92	10	risk	risk	NOUN
fsr-3449	92	11	-	-	PUNCT
fsr-3449	92	12	taking	taking	NOUN
fsr-3449	92	13	was	be	AUX
fsr-3449	92	14	not	not	PART
fsr-3449	92	15	significant	significant	ADJ
fsr-3449	92	16	in	in	ADP
fsr-3449	92	17	purchasing	purchase	VERB
fsr-3449	92	18	cash	cash	NOUN
fsr-3449	92	19	value	value	NOUN
fsr-3449	92	20	life	life	NOUN
fsr-3449	92	21	insurance	insurance	NOUN
fsr-3449	92	22	.	.	PUNCT
fsr-3449	93	1	financial	financial	ADJ
fsr-3449	93	2	knowledge	knowledge	NOUN
fsr-3449	93	3	has	have	AUX
fsr-3449	93	4	been	be	AUX
fsr-3449	93	5	considered	consider	VERB
fsr-3449	93	6	to	to	PART
fsr-3449	93	7	be	be	AUX
fsr-3449	93	8	an	an	DET
fsr-3449	93	9	important	important	ADJ
fsr-3449	93	10	element	element	NOUN
fsr-3449	93	11	of	of	ADP
fsr-3449	93	12	financial	financial	ADJ
fsr-3449	93	13	decision	decision	NOUN
fsr-3449	93	14	-	-	PUNCT
fsr-3449	93	15	making	making	NOUN
fsr-3449	93	16	.	.	PUNCT
fsr-3449	94	1	however	however	ADV
fsr-3449	94	2	,	,	PUNCT
fsr-3449	94	3	there	there	PRON
fsr-3449	94	4	are	be	VERB
fsr-3449	94	5	limited	limited	ADJ
fsr-3449	94	6	studies	study	NOUN
fsr-3449	94	7	that	that	PRON
fsr-3449	94	8	have	have	AUX
fsr-3449	94	9	investigated	investigate	VERB
fsr-3449	94	10	the	the	DET
fsr-3449	94	11	impact	impact	NOUN
fsr-3449	94	12	of	of	ADP
fsr-3449	94	13	w.	w.	PROPN
fsr-3449	94	14	heo	heo	PROPN
fsr-3449	94	15	et	et	PROPN
fsr-3449	94	16	al	al	PROPN
fsr-3449	94	17	.	.	PUNCT
fsr-3449	94	18	/	/	SYM
fsr-3449	94	19	financial	financial	ADJ
fsr-3449	94	20	services	service	NOUN
fsr-3449	94	21	review	review	VERB
fsr-3449	94	22	29	29	NUM
fsr-3449	94	23	(	(	PUNCT
fsr-3449	94	24	2021	2021	NUM
fsr-3449	94	25	)	)	PUNCT
fsr-3449	94	26	101–119	101–119	NUM
fsr-3449	94	27	105	105	NUM
fsr-3449	94	28	financial	financial	ADJ
fsr-3449	94	29	knowledge	knowledge	NOUN
fsr-3449	94	30	on	on	ADP
fsr-3449	94	31	life	life	NOUN
fsr-3449	94	32	insurance	insurance	NOUN
fsr-3449	94	33	demand	demand	NOUN
fsr-3449	94	34	.	.	PUNCT
fsr-3449	95	1	using	use	VERB
fsr-3449	95	2	the	the	DET
fsr-3449	95	3	sample	sample	NOUN
fsr-3449	95	4	of	of	ADP
fsr-3449	95	5	adult	adult	NOUN
fsr-3449	95	6	residents	resident	NOUN
fsr-3449	95	7	of	of	ADP
fsr-3449	95	8	a	a	DET
fsr-3449	95	9	single	single	ADJ
fsr-3449	95	10	state	state	NOUN
fsr-3449	95	11	,	,	PUNCT
fsr-3449	95	12	tennyson	tennyson	NOUN
fsr-3449	95	13	(	(	PUNCT
fsr-3449	95	14	2011	2011	NUM
fsr-3449	95	15	)	)	PUNCT
fsr-3449	95	16	assessed	assess	VERB
fsr-3449	95	17	the	the	DET
fsr-3449	95	18	respondents	respondent	NOUN
fsr-3449	95	19	’	’	PART
fsr-3449	95	20	insurance	insurance	NOUN
fsr-3449	95	21	knowledge	knowledge	NOUN
fsr-3449	95	22	about	about	ADP
fsr-3449	95	23	general	general	ADJ
fsr-3449	95	24	insurance	insurance	NOUN
fsr-3449	95	25	principles	principle	NOUN
fsr-3449	95	26	,	,	PUNCT
fsr-3449	95	27	as	as	ADV
fsr-3449	95	28	well	well	ADV
fsr-3449	95	29	as	as	ADP
fsr-3449	95	30	the	the	DET
fsr-3449	95	31	features	feature	NOUN
fsr-3449	95	32	of	of	ADP
fsr-3449	95	33	specific	specific	ADJ
fsr-3449	95	34	types	type	NOUN
fsr-3449	95	35	of	of	ADP
fsr-3449	95	36	insurance	insurance	NOUN
fsr-3449	95	37	policies	policy	NOUN
fsr-3449	95	38	.	.	PUNCT
fsr-3449	96	1	although	although	SCONJ
fsr-3449	96	2	the	the	DET
fsr-3449	96	3	level	level	NOUN
fsr-3449	96	4	of	of	ADP
fsr-3449	96	5	insurance	insurance	NOUN
fsr-3449	96	6	knowledge	knowledge	NOUN
fsr-3449	96	7	was	be	AUX
fsr-3449	96	8	relatively	relatively	ADV
fsr-3449	96	9	low	low	ADJ
fsr-3449	96	10	among	among	ADP
fsr-3449	96	11	the	the	DET
fsr-3449	96	12	respondents	respondent	NOUN
fsr-3449	96	13	,	,	PUNCT
fsr-3449	96	14	it	it	PRON
fsr-3449	96	15	was	be	AUX
fsr-3449	96	16	significantly	significantly	ADV
fsr-3449	96	17	related	relate	VERB
fsr-3449	96	18	to	to	ADP
fsr-3449	96	19	their	their	PRON
fsr-3449	96	20	confidence	confidence	NOUN
fsr-3449	96	21	in	in	ADP
fsr-3449	96	22	insurance	insurance	NOUN
fsr-3449	96	23	decision	decision	NOUN
fsr-3449	96	24	-	-	PUNCT
fsr-3449	96	25	making	making	NOUN
fsr-3449	96	26	.	.	PUNCT
fsr-3449	97	1	in	in	ADP
fsr-3449	97	2	life	life	NOUN
fsr-3449	97	3	insurance	insurance	NOUN
fsr-3449	97	4	markets	market	NOUN
fsr-3449	97	5	,	,	PUNCT
fsr-3449	97	6	health	health	NOUN
fsr-3449	97	7	status	status	NOUN
fsr-3449	97	8	and	and	CCONJ
fsr-3449	97	9	medical	medical	ADJ
fsr-3449	97	10	history	history	NOUN
fsr-3449	97	11	are	be	AUX
fsr-3449	97	12	the	the	DET
fsr-3449	97	13	basic	basic	ADJ
fsr-3449	97	14	factors	factor	NOUN
fsr-3449	97	15	for	for	ADP
fsr-3449	97	16	pricing	pricing	NOUN
fsr-3449	97	17	on	on	ADP
fsr-3449	97	18	term	term	NOUN
fsr-3449	97	19	policies	policy	NOUN
fsr-3449	97	20	.	.	PUNCT
fsr-3449	98	1	thus	thus	ADV
fsr-3449	98	2	,	,	PUNCT
fsr-3449	98	3	some	some	DET
fsr-3449	98	4	researchers	researcher	NOUN
fsr-3449	98	5	believe	believe	VERB
fsr-3449	98	6	that	that	SCONJ
fsr-3449	98	7	subjectively	subjectively	ADV
fsr-3449	98	8	evaluated	evaluate	VERB
fsr-3449	98	9	health	health	NOUN
fsr-3449	98	10	status	status	NOUN
fsr-3449	98	11	is	be	AUX
fsr-3449	98	12	one	one	NUM
fsr-3449	98	13	of	of	ADP
fsr-3449	98	14	the	the	DET
fsr-3449	98	15	most	most	ADV
fsr-3449	98	16	important	important	ADJ
fsr-3449	98	17	predictors	predictor	NOUN
fsr-3449	98	18	of	of	ADP
fsr-3449	98	19	determining	determine	VERB
fsr-3449	98	20	the	the	DET
fsr-3449	98	21	ownership	ownership	NOUN
fsr-3449	98	22	of	of	ADP
fsr-3449	98	23	life	life	NOUN
fsr-3449	98	24	insurance	insurance	NOUN
fsr-3449	98	25	,	,	PUNCT
fsr-3449	98	26	as	as	ADV
fsr-3449	98	27	well	well	ADV
fsr-3449	98	28	as	as	ADP
fsr-3449	98	29	the	the	DET
fsr-3449	98	30	choice	choice	NOUN
fsr-3449	98	31	of	of	ADP
fsr-3449	98	32	the	the	DET
fsr-3449	98	33	insurance	insurance	NOUN
fsr-3449	98	34	type	type	NOUN
fsr-3449	98	35	.	.	PUNCT
fsr-3449	99	1	for	for	ADP
fsr-3449	99	2	example	example	NOUN
fsr-3449	99	3	,	,	PUNCT
fsr-3449	99	4	baek	baek	NOUN
fsr-3449	99	5	and	and	CCONJ
fsr-3449	99	6	devaney	devaney	PROPN
fsr-3449	99	7	(	(	PUNCT
fsr-3449	99	8	2005	2005	NUM
fsr-3449	99	9	)	)	PUNCT
fsr-3449	99	10	found	find	VERB
fsr-3449	99	11	that	that	SCONJ
fsr-3449	99	12	excellence	excellence	NOUN
fsr-3449	99	13	in	in	ADP
fsr-3449	99	14	health	health	NOUN
fsr-3449	99	15	status	status	NOUN
fsr-3449	99	16	was	be	AUX
fsr-3449	99	17	negatively	negatively	ADV
fsr-3449	99	18	associated	associate	VERB
fsr-3449	99	19	with	with	ADP
fsr-3449	99	20	cash	cash	NOUN
fsr-3449	99	21	value	value	NOUN
fsr-3449	99	22	life	life	NOUN
fsr-3449	99	23	insurance	insurance	NOUN
fsr-3449	99	24	ownership	ownership	NOUN
fsr-3449	99	25	;	;	PUNCT
fsr-3449	99	26	however	however	ADV
fsr-3449	99	27	,	,	PUNCT
fsr-3449	99	28	they	they	PRON
fsr-3449	99	29	did	do	AUX
fsr-3449	99	30	not	not	PART
fsr-3449	99	31	find	find	VERB
fsr-3449	99	32	any	any	DET
fsr-3449	99	33	significant	significant	ADJ
fsr-3449	99	34	influence	influence	NOUN
fsr-3449	99	35	of	of	ADP
fsr-3449	99	36	perceived	perceive	VERB
fsr-3449	99	37	health	health	NOUN
fsr-3449	99	38	status	status	NOUN
fsr-3449	99	39	on	on	ADP
fsr-3449	99	40	term	term	NOUN
fsr-3449	99	41	life	life	NOUN
fsr-3449	99	42	insurance	insurance	NOUN
fsr-3449	99	43	ownership	ownership	NOUN
fsr-3449	99	44	decisions	decision	NOUN
fsr-3449	99	45	.	.	PUNCT
fsr-3449	100	1	to	to	PART
fsr-3449	100	2	fill	fill	VERB
fsr-3449	100	3	in	in	ADP
fsr-3449	100	4	the	the	DET
fsr-3449	100	5	gap	gap	NOUN
fsr-3449	100	6	in	in	ADP
fsr-3449	100	7	the	the	DET
fsr-3449	100	8	existing	exist	VERB
fsr-3449	100	9	literature	literature	NOUN
fsr-3449	100	10	,	,	PUNCT
fsr-3449	100	11	this	this	DET
fsr-3449	100	12	study	study	NOUN
fsr-3449	100	13	included	include	VERB
fsr-3449	100	14	risk	risk	NOUN
fsr-3449	100	15	tolerance	tolerance	NOUN
fsr-3449	100	16	,	,	PUNCT
fsr-3449	100	17	financial	financial	ADJ
fsr-3449	100	18	knowledge	knowledge	NOUN
fsr-3449	100	19	,	,	PUNCT
fsr-3449	100	20	and	and	CCONJ
fsr-3449	100	21	perceived	perceive	VERB
fsr-3449	100	22	health	health	NOUN
fsr-3449	100	23	condition	condition	NOUN
fsr-3449	100	24	as	as	ADP
fsr-3449	100	25	independent	independent	ADJ
fsr-3449	100	26	variables	variable	NOUN
fsr-3449	100	27	of	of	ADP
fsr-3449	100	28	consumers	consumer	NOUN
fsr-3449	100	29	’	'	PUNCT
fsr-3449	100	30	financial	financial	ADJ
fsr-3449	100	31	status	status	NOUN
fsr-3449	100	32	characteristics	characteristic	NOUN
fsr-3449	100	33	in	in	ADP
fsr-3449	100	34	determining	determine	VERB
fsr-3449	100	35	the	the	DET
fsr-3449	100	36	purchase	purchase	NOUN
fsr-3449	100	37	of	of	ADP
fsr-3449	100	38	life	life	NOUN
fsr-3449	100	39	insurance	insurance	NOUN
fsr-3449	100	40	.	.	PUNCT
fsr-3449	101	1	2.5	2.5	NUM
fsr-3449	101	2	.	.	PUNCT
fsr-3449	102	1	locus	locus	NOUN
fsr-3449	102	2	of	of	ADP
fsr-3449	102	3	control	control	NOUN
fsr-3449	102	4	,	,	PUNCT
fsr-3449	102	5	financial	financial	ADJ
fsr-3449	102	6	satisfaction	satisfaction	NOUN
fsr-3449	102	7	,	,	PUNCT
fsr-3449	102	8	financial	financial	ADJ
fsr-3449	102	9	self	self	NOUN
fsr-3449	102	10	-	-	PUNCT
fsr-3449	102	11	efficacy	efficacy	NOUN
fsr-3449	102	12	,	,	PUNCT
fsr-3449	102	13	and	and	CCONJ
fsr-3449	102	14	life	life	NOUN
fsr-3449	102	15	satisfaction	satisfaction	NOUN
fsr-3449	102	16	locus	locus	NOUN
fsr-3449	102	17	of	of	ADP
fsr-3449	102	18	control	control	NOUN
fsr-3449	102	19	has	have	AUX
fsr-3449	102	20	been	be	AUX
fsr-3449	102	21	defined	define	VERB
fsr-3449	102	22	as	as	ADP
fsr-3449	102	23	the	the	DET
fsr-3449	102	24	concept	concept	NOUN
fsr-3449	102	25	of	of	ADP
fsr-3449	102	26	a	a	DET
fsr-3449	102	27	person	person	NOUN
fsr-3449	102	28	’s	’s	PART
fsr-3449	102	29	perceived	perceive	VERB
fsr-3449	102	30	controllability	controllability	NOUN
fsr-3449	102	31	about	about	ADP
fsr-3449	102	32	a	a	DET
fsr-3449	102	33	situation	situation	NOUN
fsr-3449	102	34	,	,	PUNCT
fsr-3449	102	35	which	which	PRON
fsr-3449	102	36	can	can	AUX
fsr-3449	102	37	be	be	AUX
fsr-3449	102	38	explained	explain	VERB
fsr-3449	102	39	with	with	ADP
fsr-3449	102	40	internal	internal	ADJ
fsr-3449	102	41	or	or	CCONJ
fsr-3449	102	42	external	external	ADJ
fsr-3449	102	43	control	control	NOUN
fsr-3449	102	44	of	of	ADP
fsr-3449	102	45	reinforcement	reinforcement	NOUN
fsr-3449	102	46	(	(	PUNCT
fsr-3449	102	47	rotter	rotter	NOUN
fsr-3449	102	48	,	,	PUNCT
fsr-3449	102	49	1966	1966	NUM
fsr-3449	102	50	)	)	PUNCT
fsr-3449	102	51	.	.	PUNCT
fsr-3449	103	1	while	while	SCONJ
fsr-3449	103	2	the	the	DET
fsr-3449	103	3	external	external	ADJ
fsr-3449	103	4	locus	locus	NOUN
fsr-3449	103	5	of	of	ADP
fsr-3449	103	6	control	control	NOUN
fsr-3449	103	7	denotes	denote	NOUN
fsr-3449	103	8	that	that	SCONJ
fsr-3449	103	9	any	any	DET
fsr-3449	103	10	outcomes	outcome	NOUN
fsr-3449	103	11	took	take	VERB
fsr-3449	103	12	place	place	NOUN
fsr-3449	103	13	because	because	SCONJ
fsr-3449	103	14	of	of	ADP
fsr-3449	103	15	external	external	ADJ
fsr-3449	103	16	reasons	reason	NOUN
fsr-3449	103	17	,	,	PUNCT
fsr-3449	103	18	such	such	ADJ
fsr-3449	103	19	as	as	ADP
fsr-3449	103	20	fate	fate	NOUN
fsr-3449	103	21	and	and	CCONJ
fsr-3449	103	22	luck	luck	NOUN
fsr-3449	103	23	,	,	PUNCT
fsr-3449	103	24	the	the	DET
fsr-3449	103	25	internal	internal	ADJ
fsr-3449	103	26	locus	locus	NOUN
fsr-3449	103	27	of	of	ADP
fsr-3449	103	28	control	control	NOUN
fsr-3449	103	29	indicates	indicate	VERB
fsr-3449	103	30	that	that	SCONJ
fsr-3449	103	31	lifetime	lifetime	NOUN
fsr-3449	103	32	consequences	consequence	NOUN
fsr-3449	103	33	occurred	occur	VERB
fsr-3449	103	34	because	because	SCONJ
fsr-3449	103	35	of	of	ADP
fsr-3449	103	36	a	a	DET
fsr-3449	103	37	person	person	NOUN
fsr-3449	103	38	’s	’s	PART
fsr-3449	103	39	own	own	ADJ
fsr-3449	103	40	actions	action	NOUN
fsr-3449	103	41	(	(	PUNCT
fsr-3449	103	42	cobb	cobb	PROPN
fsr-3449	103	43	-	-	PUNCT
fsr-3449	103	44	clark	clark	PROPN
fsr-3449	103	45	et	et	PROPN
fsr-3449	103	46	al	al	PROPN
fsr-3449	103	47	.	.	PROPN
fsr-3449	103	48	,	,	PUNCT
fsr-3449	103	49	2016	2016	NUM
fsr-3449	103	50	)	)	PUNCT
fsr-3449	103	51	.	.	PUNCT
fsr-3449	104	1	because	because	SCONJ
fsr-3449	104	2	the	the	DET
fsr-3449	104	3	locus	locus	NOUN
fsr-3449	104	4	of	of	ADP
fsr-3449	104	5	control	control	NOUN
fsr-3449	104	6	drives	drive	VERB
fsr-3449	104	7	a	a	DET
fsr-3449	104	8	person	person	NOUN
fsr-3449	104	9	to	to	PART
fsr-3449	104	10	believe	believe	VERB
fsr-3449	104	11	that	that	SCONJ
fsr-3449	104	12	an	an	DET
fsr-3449	104	13	outcome	outcome	NOUN
fsr-3449	104	14	occurred	occur	VERB
fsr-3449	104	15	based	base	VERB
fsr-3449	104	16	on	on	ADP
fsr-3449	104	17	a	a	DET
fsr-3449	104	18	certain	certain	ADJ
fsr-3449	104	19	circumstance	circumstance	NOUN
fsr-3449	104	20	(	(	PUNCT
fsr-3449	104	21	i.e.	i.e.	X
fsr-3449	104	22	,	,	PUNCT
fsr-3449	104	23	internal	internal	ADJ
fsr-3449	104	24	or	or	CCONJ
fsr-3449	104	25	external	external	ADJ
fsr-3449	104	26	factors	factor	NOUN
fsr-3449	104	27	)	)	PUNCT
fsr-3449	104	28	,	,	PUNCT
fsr-3449	104	29	locus	locus	NOUN
fsr-3449	104	30	of	of	ADP
fsr-3449	104	31	control	control	NOUN
fsr-3449	104	32	is	be	AUX
fsr-3449	104	33	expected	expect	VERB
fsr-3449	104	34	to	to	PART
fsr-3449	104	35	be	be	AUX
fsr-3449	104	36	associated	associate	VERB
fsr-3449	104	37	with	with	ADP
fsr-3449	104	38	financial	financial	ADJ
fsr-3449	104	39	behavior	behavior	NOUN
fsr-3449	104	40	.	.	PUNCT
fsr-3449	105	1	specifically	specifically	ADV
fsr-3449	105	2	,	,	PUNCT
fsr-3449	105	3	locus	locus	NOUN
fsr-3449	105	4	of	of	ADP
fsr-3449	105	5	control	control	NOUN
fsr-3449	105	6	was	be	AUX
fsr-3449	105	7	found	find	VERB
fsr-3449	105	8	to	to	PART
fsr-3449	105	9	be	be	AUX
fsr-3449	105	10	related	relate	VERB
fsr-3449	105	11	to	to	ADP
fsr-3449	105	12	personal	personal	ADJ
fsr-3449	105	13	finance	finance	NOUN
fsr-3449	105	14	and	and	CCONJ
fsr-3449	105	15	financial	financial	ADJ
fsr-3449	105	16	decision	decision	NOUN
fsr-3449	105	17	-	-	PUNCT
fsr-3449	105	18	making	making	NOUN
fsr-3449	105	19	(	(	PUNCT
fsr-3449	105	20	e.g.	e.g.	ADV
fsr-3449	105	21	,	,	PUNCT
fsr-3449	105	22	cobb	cobb	PROPN
fsr-3449	105	23	-	-	PUNCT
fsr-3449	105	24	clark	clark	PROPN
fsr-3449	105	25	et	et	PROPN
fsr-3449	105	26	al	al	PROPN
fsr-3449	105	27	.	.	PROPN
fsr-3449	105	28	,	,	PUNCT
fsr-3449	105	29	2016	2016	NUM
fsr-3449	105	30	;	;	PUNCT
fsr-3449	105	31	danes	dane	NOUN
fsr-3449	105	32	&	&	CCONJ
fsr-3449	105	33	rettig	rettig	PROPN
fsr-3449	105	34	,	,	PUNCT
fsr-3449	105	35	1993	1993	NUM
fsr-3449	105	36	;	;	PUNCT
fsr-3449	105	37	nowicki	nowicki	PROPN
fsr-3449	105	38	,	,	PUNCT
fsr-3449	105	39	ellis	ellis	PROPN
fsr-3449	105	40	,	,	PUNCT
fsr-3449	105	41	ilescaven	ilescaven	PROPN
fsr-3449	105	42	,	,	PUNCT
fsr-3449	105	43	gregory	gregory	PROPN
fsr-3449	105	44	,	,	PUNCT
fsr-3449	105	45	&	&	CCONJ
fsr-3449	105	46	golding	golding	PROPN
fsr-3449	105	47	,	,	PUNCT
fsr-3449	105	48	2018	2018	NUM
fsr-3449	105	49	;	;	PUNCT
fsr-3449	105	50	perry	perry	PROPN
fsr-3449	105	51	&	&	CCONJ
fsr-3449	105	52	morris	morris	PROPN
fsr-3449	105	53	,	,	PUNCT
fsr-3449	105	54	2005	2005	NUM
fsr-3449	105	55	;	;	PUNCT
fsr-3449	105	56	prawitz	prawitz	PROPN
fsr-3449	105	57	&	&	CCONJ
fsr-3449	105	58	cohart	cohart	PROPN
fsr-3449	105	59	,	,	PUNCT
fsr-3449	105	60	2016	2016	NUM
fsr-3449	105	61	;	;	PUNCT
fsr-3449	105	62	tokunaga	tokunaga	NOUN
fsr-3449	105	63	,	,	PUNCT
fsr-3449	105	64	1993	1993	NUM
fsr-3449	105	65	)	)	PUNCT
fsr-3449	105	66	.	.	PUNCT
fsr-3449	106	1	for	for	ADP
fsr-3449	106	2	example	example	NOUN
fsr-3449	106	3	,	,	PUNCT
fsr-3449	106	4	cobb	cobb	PROPN
fsr-3449	106	5	-	-	PUNCT
fsr-3449	106	6	clark	clark	PROPN
fsr-3449	106	7	et	et	PROPN
fsr-3449	106	8	al	al	PROPN
fsr-3449	106	9	.	.	PROPN
fsr-3449	107	1	(	(	PUNCT
fsr-3449	107	2	2016	2016	NUM
fsr-3449	107	3	)	)	PUNCT
fsr-3449	107	4	found	find	VERB
fsr-3449	107	5	that	that	SCONJ
fsr-3449	107	6	internal	internal	ADJ
fsr-3449	107	7	locus	locus	NOUN
fsr-3449	107	8	of	of	ADP
fsr-3449	107	9	control	control	NOUN
fsr-3449	107	10	was	be	AUX
fsr-3449	107	11	significantly	significantly	ADV
fsr-3449	107	12	associated	associate	VERB
fsr-3449	107	13	with	with	ADP
fsr-3449	107	14	the	the	DET
fsr-3449	107	15	tendency	tendency	NOUN
fsr-3449	107	16	toward	toward	ADP
fsr-3449	107	17	saving	saving	NOUN
fsr-3449	107	18	,	,	PUNCT
fsr-3449	107	19	which	which	PRON
fsr-3449	107	20	can	can	AUX
fsr-3449	107	21	be	be	AUX
fsr-3449	107	22	explained	explain	VERB
fsr-3449	107	23	by	by	ADP
fsr-3449	107	24	perry	perry	PROPN
fsr-3449	107	25	and	and	CCONJ
fsr-3449	107	26	morrison	morrison	PROPN
fsr-3449	107	27	’s	’s	PART
fsr-3449	107	28	(	(	PUNCT
fsr-3449	107	29	2005	2005	NUM
fsr-3449	107	30	)	)	PUNCT
fsr-3449	107	31	argument	argument	NOUN
fsr-3449	107	32	that	that	SCONJ
fsr-3449	107	33	a	a	DET
fsr-3449	107	34	person	person	NOUN
fsr-3449	107	35	with	with	ADP
fsr-3449	107	36	a	a	DET
fsr-3449	107	37	higher	high	ADJ
fsr-3449	107	38	level	level	NOUN
fsr-3449	107	39	of	of	ADP
fsr-3449	107	40	external	external	ADJ
fsr-3449	107	41	locus	locus	NOUN
fsr-3449	107	42	of	of	ADP
fsr-3449	107	43	control	control	NOUN
fsr-3449	107	44	tended	tend	VERB
fsr-3449	107	45	to	to	PART
fsr-3449	107	46	have	have	VERB
fsr-3449	107	47	a	a	DET
fsr-3449	107	48	lower	low	ADJ
fsr-3449	107	49	willingness	willingness	NOUN
fsr-3449	107	50	to	to	PART
fsr-3449	107	51	manage	manage	VERB
fsr-3449	107	52	their	their	PRON
fsr-3449	107	53	financial	financial	ADJ
fsr-3449	107	54	situation	situation	NOUN
fsr-3449	107	55	.	.	PUNCT
fsr-3449	108	1	however	however	ADV
fsr-3449	108	2	,	,	PUNCT
fsr-3449	108	3	the	the	DET
fsr-3449	108	4	association	association	NOUN
fsr-3449	108	5	between	between	ADP
fsr-3449	108	6	locus	locus	NOUN
fsr-3449	108	7	of	of	ADP
fsr-3449	108	8	control	control	NOUN
fsr-3449	108	9	and	and	CCONJ
fsr-3449	108	10	the	the	DET
fsr-3449	108	11	ownership	ownership	NOUN
fsr-3449	108	12	of	of	ADP
fsr-3449	108	13	life	life	NOUN
fsr-3449	108	14	insurance	insurance	NOUN
fsr-3449	108	15	was	be	AUX
fsr-3449	108	16	rarely	rarely	ADV
fsr-3449	108	17	found	find	VERB
fsr-3449	108	18	in	in	ADP
fsr-3449	108	19	the	the	DET
fsr-3449	108	20	existing	exist	VERB
fsr-3449	108	21	literature	literature	NOUN
fsr-3449	108	22	.	.	PUNCT
fsr-3449	109	1	therefore	therefore	ADV
fsr-3449	109	2	,	,	PUNCT
fsr-3449	109	3	in	in	ADP
fsr-3449	109	4	this	this	DET
fsr-3449	109	5	study	study	NOUN
fsr-3449	109	6	,	,	PUNCT
fsr-3449	109	7	the	the	DET
fsr-3449	109	8	association	association	NOUN
fsr-3449	109	9	between	between	ADP
fsr-3449	109	10	external	external	ADJ
fsr-3449	109	11	locus	locus	NOUN
fsr-3449	109	12	of	of	ADP
fsr-3449	109	13	control	control	NOUN
fsr-3449	109	14	and	and	CCONJ
fsr-3449	109	15	the	the	DET
fsr-3449	109	16	ownership	ownership	NOUN
fsr-3449	109	17	of	of	ADP
fsr-3449	109	18	life	life	NOUN
fsr-3449	109	19	insurance	insurance	NOUN
fsr-3449	109	20	was	be	AUX
fsr-3449	109	21	explored	explore	VERB
fsr-3449	109	22	further	far	ADV
fsr-3449	109	23	.	.	PUNCT
fsr-3449	110	1	financial	financial	ADJ
fsr-3449	110	2	satisfaction	satisfaction	NOUN
fsr-3449	110	3	indicates	indicate	VERB
fsr-3449	110	4	a	a	DET
fsr-3449	110	5	perceived	perceive	VERB
fsr-3449	110	6	assessment	assessment	NOUN
fsr-3449	110	7	of	of	ADP
fsr-3449	110	8	one	one	NUM
fsr-3449	110	9	’s	’s	PART
fsr-3449	110	10	own	own	ADJ
fsr-3449	110	11	financial	financial	ADJ
fsr-3449	110	12	situation	situation	NOUN
fsr-3449	110	13	(	(	PUNCT
fsr-3449	110	14	hira	hira	PROPN
fsr-3449	110	15	&	&	CCONJ
fsr-3449	110	16	mugenda	mugenda	ADJ
fsr-3449	110	17	,	,	PUNCT
fsr-3449	110	18	1998	1998	NUM
fsr-3449	110	19	;	;	PUNCT
fsr-3449	110	20	xiao	xiao	PROPN
fsr-3449	110	21	,	,	PUNCT
fsr-3449	110	22	chen	chen	PROPN
fsr-3449	110	23	,	,	PUNCT
fsr-3449	110	24	&	&	CCONJ
fsr-3449	110	25	chen	chen	PROPN
fsr-3449	110	26	,	,	PUNCT
fsr-3449	110	27	2014	2014	NUM
fsr-3449	110	28	;	;	PUNCT
fsr-3449	110	29	xiao	xiao	PROPN
fsr-3449	110	30	&	&	CCONJ
fsr-3449	110	31	o’neill	o’neill	PROPN
fsr-3449	110	32	,	,	PUNCT
fsr-3449	110	33	2018	2018	NUM
fsr-3449	110	34	)	)	PUNCT
fsr-3449	110	35	.	.	PUNCT
fsr-3449	111	1	there	there	PRON
fsr-3449	111	2	is	be	VERB
fsr-3449	111	3	no	no	DET
fsr-3449	111	4	universal	universal	ADJ
fsr-3449	111	5	consensus	consensus	NOUN
fsr-3449	111	6	on	on	ADP
fsr-3449	111	7	the	the	DET
fsr-3449	111	8	measurement	measurement	NOUN
fsr-3449	111	9	of	of	ADP
fsr-3449	111	10	financial	financial	ADJ
fsr-3449	111	11	satisfaction	satisfaction	NOUN
fsr-3449	111	12	,	,	PUNCT
fsr-3449	111	13	which	which	PRON
fsr-3449	111	14	has	have	AUX
fsr-3449	111	15	been	be	AUX
fsr-3449	111	16	previously	previously	ADV
fsr-3449	111	17	measured	measure	VERB
fsr-3449	111	18	using	use	VERB
fsr-3449	111	19	either	either	CCONJ
fsr-3449	111	20	single	single	ADJ
fsr-3449	111	21	or	or	CCONJ
fsr-3449	111	22	multiple	multiple	ADJ
fsr-3449	111	23	items	item	NOUN
fsr-3449	111	24	.	.	PUNCT
fsr-3449	112	1	for	for	ADP
fsr-3449	112	2	example	example	NOUN
fsr-3449	112	3	,	,	PUNCT
fsr-3449	112	4	some	some	DET
fsr-3449	112	5	studies	study	NOUN
fsr-3449	112	6	used	use	VERB
fsr-3449	112	7	a	a	DET
fsr-3449	112	8	single	single	ADJ
fsr-3449	112	9	measure	measure	NOUN
fsr-3449	112	10	,	,	PUNCT
fsr-3449	112	11	such	such	ADJ
fsr-3449	112	12	as	as	ADP
fsr-3449	112	13	:	:	PUNCT
fsr-3449	112	14	“	"	PUNCT
fsr-3449	112	15	overall	overall	ADJ
fsr-3449	112	16	,	,	PUNCT
fsr-3449	112	17	thinking	think	VERB
fsr-3449	112	18	of	of	ADP
fsr-3449	112	19	your	your	PRON
fsr-3449	112	20	assets	asset	NOUN
fsr-3449	112	21	,	,	PUNCT
fsr-3449	112	22	debts	debt	NOUN
fsr-3449	112	23	,	,	PUNCT
fsr-3449	112	24	and	and	CCONJ
fsr-3449	112	25	savings	saving	NOUN
fsr-3449	112	26	,	,	PUNCT
fsr-3449	112	27	how	how	SCONJ
fsr-3449	112	28	satisfied	satisfied	ADJ
fsr-3449	112	29	are	be	AUX
fsr-3449	112	30	you	you	PRON
fsr-3449	112	31	with	with	ADP
fsr-3449	112	32	your	your	PRON
fsr-3449	112	33	current	current	ADJ
fsr-3449	112	34	personal	personal	ADJ
fsr-3449	112	35	financial	financial	ADJ
fsr-3449	112	36	condition	condition	NOUN
fsr-3449	112	37	?	?	PUNCT
fsr-3449	112	38	”	"	PUNCT
fsr-3449	113	1	(	(	PUNCT
fsr-3449	113	2	e.g.	e.g.	ADV
fsr-3449	113	3	,	,	PUNCT
fsr-3449	113	4	robb	robb	NOUN
fsr-3449	113	5	&	&	CCONJ
fsr-3449	113	6	woodyard	woodyard	PROPN
fsr-3449	113	7	,	,	PUNCT
fsr-3449	113	8	2011	2011	NUM
fsr-3449	113	9	;	;	PUNCT
fsr-3449	113	10	xiao	xiao	PROPN
fsr-3449	113	11	et	et	PROPN
fsr-3449	113	12	al	al	PROPN
fsr-3449	113	13	.	.	PROPN
fsr-3449	113	14	,	,	PUNCT
fsr-3449	113	15	2014	2014	NUM
fsr-3449	113	16	;	;	PUNCT
fsr-3449	113	17	xiao	xiao	PROPN
fsr-3449	113	18	&	&	CCONJ
fsr-3449	113	19	o’neill	o’neill	PROPN
fsr-3449	113	20	,	,	PUNCT
fsr-3449	113	21	2018	2018	NUM
fsr-3449	113	22	)	)	PUNCT
fsr-3449	113	23	.	.	PUNCT
fsr-3449	114	1	others	other	NOUN
fsr-3449	114	2	have	have	AUX
fsr-3449	114	3	used	use	VERB
fsr-3449	114	4	multiple	multiple	ADJ
fsr-3449	114	5	items	item	NOUN
fsr-3449	114	6	(	(	PUNCT
fsr-3449	114	7	e.g.	e.g.	ADV
fsr-3449	114	8	,	,	PUNCT
fsr-3449	114	9	loibl	loibl	PROPN
fsr-3449	114	10	&	&	CCONJ
fsr-3449	114	11	hira	hira	PROPN
fsr-3449	114	12	,	,	PUNCT
fsr-3449	114	13	2005	2005	NUM
fsr-3449	114	14	;	;	PUNCT
fsr-3449	114	15	montalto	montalto	PROPN
fsr-3449	114	16	,	,	PUNCT
fsr-3449	114	17	phillips	phillip	NOUN
fsr-3449	114	18	,	,	PUNCT
fsr-3449	114	19	106	106	NUM
fsr-3449	114	20	w.	w.	PROPN
fsr-3449	114	21	heo	heo	PROPN
fsr-3449	114	22	et	et	PROPN
fsr-3449	114	23	al	al	PROPN
fsr-3449	114	24	.	.	PUNCT
fsr-3449	114	25	/	/	SYM
fsr-3449	114	26	financial	financial	ADJ
fsr-3449	114	27	services	service	NOUN
fsr-3449	114	28	review	review	VERB
fsr-3449	114	29	29	29	NUM
fsr-3449	114	30	(	(	PUNCT
fsr-3449	114	31	2021	2021	NUM
fsr-3449	114	32	)	)	PUNCT
fsr-3449	114	33	101–119	101–119	NUM
fsr-3449	114	34	mcdaniel	mcdaniel	PROPN
fsr-3449	114	35	,	,	PUNCT
fsr-3449	114	36	&	&	CCONJ
fsr-3449	114	37	baker	baker	PROPN
fsr-3449	114	38	,	,	PUNCT
fsr-3449	114	39	2019	2019	NUM
fsr-3449	114	40	)	)	PUNCT
fsr-3449	114	41	,	,	PUNCT
fsr-3449	114	42	including	include	VERB
fsr-3449	114	43	financial	financial	ADJ
fsr-3449	114	44	situation	situation	NOUN
fsr-3449	114	45	and	and	CCONJ
fsr-3449	114	46	the	the	DET
fsr-3449	114	47	ability	ability	NOUN
fsr-3449	114	48	to	to	PART
fsr-3449	114	49	understand	understand	VERB
fsr-3449	114	50	and	and	CCONJ
fsr-3449	114	51	make	make	VERB
fsr-3449	114	52	sound	sound	ADJ
fsr-3449	114	53	financial	financial	ADJ
fsr-3449	114	54	decisions	decision	NOUN
fsr-3449	114	55	.	.	PUNCT
fsr-3449	115	1	as	as	ADP
fsr-3449	115	2	an	an	DET
fsr-3449	115	3	element	element	NOUN
fsr-3449	115	4	of	of	ADP
fsr-3449	115	5	general	general	ADJ
fsr-3449	115	6	life	life	NOUN
fsr-3449	115	7	satisfaction	satisfaction	NOUN
fsr-3449	115	8	and	and	CCONJ
fsr-3449	115	9	well	well	ADV
fsr-3449	115	10	-	-	PUNCT
fsr-3449	115	11	being	being	NOUN
fsr-3449	115	12	,	,	PUNCT
fsr-3449	115	13	a	a	DET
fsr-3449	115	14	positive	positive	ADJ
fsr-3449	115	15	relationship	relationship	NOUN
fsr-3449	115	16	between	between	ADP
fsr-3449	115	17	financial	financial	ADJ
fsr-3449	115	18	behaviors	behavior	NOUN
fsr-3449	115	19	and	and	CCONJ
fsr-3449	115	20	financial	financial	ADJ
fsr-3449	115	21	satisfaction	satisfaction	NOUN
fsr-3449	115	22	has	have	AUX
fsr-3449	115	23	been	be	AUX
fsr-3449	115	24	found	find	VERB
fsr-3449	115	25	(	(	PUNCT
fsr-3449	115	26	robb	robb	NOUN
fsr-3449	115	27	&	&	CCONJ
fsr-3449	115	28	woodyard	woodyard	PROPN
fsr-3449	115	29	,	,	PUNCT
fsr-3449	115	30	2011	2011	NUM
fsr-3449	115	31	;	;	PUNCT
fsr-3449	115	32	xiao	xiao	PROPN
fsr-3449	115	33	et	et	PROPN
fsr-3449	115	34	al	al	PROPN
fsr-3449	115	35	.	.	PROPN
fsr-3449	115	36	,	,	PUNCT
fsr-3449	115	37	2014	2014	NUM
fsr-3449	115	38	;	;	PUNCT
fsr-3449	115	39	xiao	xiao	PROPN
fsr-3449	115	40	&	&	CCONJ
fsr-3449	115	41	o’neill	o’neill	PROPN
fsr-3449	115	42	,	,	PUNCT
fsr-3449	115	43	2018	2018	NUM
fsr-3449	115	44	)	)	PUNCT
fsr-3449	115	45	.	.	PUNCT
fsr-3449	116	1	in	in	ADP
fsr-3449	116	2	particular	particular	ADJ
fsr-3449	116	3	,	,	PUNCT
fsr-3449	116	4	robb	robb	NOUN
fsr-3449	116	5	and	and	CCONJ
fsr-3449	116	6	woodyard	woodyard	PROPN
fsr-3449	116	7	(	(	PUNCT
fsr-3449	116	8	2011	2011	NUM
fsr-3449	116	9	)	)	PUNCT
fsr-3449	116	10	found	find	VERB
fsr-3449	116	11	that	that	SCONJ
fsr-3449	116	12	a	a	DET
fsr-3449	116	13	higher	high	ADJ
fsr-3449	116	14	financial	financial	ADJ
fsr-3449	116	15	satisfaction	satisfaction	NOUN
fsr-3449	116	16	level	level	NOUN
fsr-3449	116	17	was	be	AUX
fsr-3449	116	18	associated	associate	VERB
fsr-3449	116	19	with	with	ADP
fsr-3449	116	20	more	more	ADV
fsr-3449	116	21	positive	positive	ADJ
fsr-3449	116	22	financial	financial	ADJ
fsr-3449	116	23	practices	practice	NOUN
fsr-3449	116	24	defined	define	VERB
fsr-3449	116	25	by	by	ADP
fsr-3449	116	26	six	six	NUM
fsr-3449	116	27	items	item	NOUN
fsr-3449	116	28	including	include	VERB
fsr-3449	116	29	having	have	VERB
fsr-3449	116	30	an	an	DET
fsr-3449	116	31	emergency	emergency	NOUN
fsr-3449	116	32	fund	fund	NOUN
fsr-3449	116	33	,	,	PUNCT
fsr-3449	116	34	high	high	ADJ
fsr-3449	116	35	credit	credit	NOUN
fsr-3449	116	36	report	report	NOUN
fsr-3449	116	37	,	,	PUNCT
fsr-3449	116	38	no	no	DET
fsr-3449	116	39	overdraft	overdraft	NOUN
fsr-3449	116	40	,	,	PUNCT
fsr-3449	116	41	credit	credit	NOUN
fsr-3449	116	42	card	card	NOUN
fsr-3449	116	43	payoff	payoff	NOUN
fsr-3449	116	44	,	,	PUNCT
fsr-3449	116	45	having	have	VERB
fsr-3449	116	46	a	a	DET
fsr-3449	116	47	retirement	retirement	NOUN
fsr-3449	116	48	account	account	NOUN
fsr-3449	116	49	,	,	PUNCT
fsr-3449	116	50	and	and	CCONJ
fsr-3449	116	51	effective	effective	ADJ
fsr-3449	116	52	risk	risk	NOUN
fsr-3449	116	53	management	management	NOUN
fsr-3449	116	54	.	.	PUNCT
fsr-3449	117	1	however	however	ADV
fsr-3449	117	2	,	,	PUNCT
fsr-3449	117	3	despite	despite	SCONJ
fsr-3449	117	4	extensive	extensive	ADJ
fsr-3449	117	5	studies	study	NOUN
fsr-3449	117	6	having	having	AUX
fsr-3449	117	7	been	be	AUX
fsr-3449	117	8	done	do	VERB
fsr-3449	117	9	about	about	ADP
fsr-3449	117	10	financial	financial	ADJ
fsr-3449	117	11	satisfaction	satisfaction	NOUN
fsr-3449	117	12	,	,	PUNCT
fsr-3449	117	13	the	the	DET
fsr-3449	117	14	existing	exist	VERB
fsr-3449	117	15	literature	literature	NOUN
fsr-3449	117	16	about	about	ADP
fsr-3449	117	17	the	the	DET
fsr-3449	117	18	association	association	NOUN
fsr-3449	117	19	between	between	ADP
fsr-3449	117	20	financial	financial	ADJ
fsr-3449	117	21	satisfaction	satisfaction	NOUN
fsr-3449	117	22	and	and	CCONJ
fsr-3449	117	23	ownership	ownership	NOUN
fsr-3449	117	24	of	of	ADP
fsr-3449	117	25	life	life	NOUN
fsr-3449	117	26	insurance	insurance	NOUN
fsr-3449	117	27	is	be	AUX
fsr-3449	117	28	limited	limited	ADJ
fsr-3449	117	29	.	.	PUNCT
fsr-3449	118	1	self	self	NOUN
fsr-3449	118	2	-	-	PUNCT
fsr-3449	118	3	efficacy	efficacy	NOUN
fsr-3449	118	4	refers	refer	VERB
fsr-3449	118	5	to	to	ADP
fsr-3449	118	6	an	an	DET
fsr-3449	118	7	individual	individual	NOUN
fsr-3449	118	8	’s	’s	PART
fsr-3449	118	9	belief	belief	NOUN
fsr-3449	118	10	in	in	ADP
fsr-3449	118	11	their	their	PRON
fsr-3449	118	12	ability	ability	NOUN
fsr-3449	118	13	to	to	PART
fsr-3449	118	14	perform	perform	VERB
fsr-3449	118	15	a	a	DET
fsr-3449	118	16	specific	specific	ADJ
fsr-3449	118	17	task	task	NOUN
fsr-3449	118	18	successfully	successfully	ADV
fsr-3449	118	19	(	(	PUNCT
fsr-3449	118	20	bandura	bandura	NOUN
fsr-3449	118	21	,	,	PUNCT
fsr-3449	118	22	1977	1977	NUM
fsr-3449	118	23	,	,	PUNCT
fsr-3449	118	24	2006	2006	NUM
fsr-3449	118	25	)	)	PUNCT
fsr-3449	118	26	.	.	PUNCT
fsr-3449	119	1	a	a	DET
fsr-3449	119	2	person	person	NOUN
fsr-3449	119	3	with	with	ADP
fsr-3449	119	4	a	a	DET
fsr-3449	119	5	strong	strong	ADJ
fsr-3449	119	6	sense	sense	NOUN
fsr-3449	119	7	of	of	ADP
fsr-3449	119	8	self	self	NOUN
fsr-3449	119	9	-	-	PUNCT
fsr-3449	119	10	efficacy	efficacy	NOUN
fsr-3449	119	11	can	can	AUX
fsr-3449	119	12	execute	execute	VERB
fsr-3449	119	13	the	the	DET
fsr-3449	119	14	cognitive	cognitive	ADJ
fsr-3449	119	15	and	and	CCONJ
fsr-3449	119	16	behavioral	behavioral	ADJ
fsr-3449	119	17	efforts	effort	NOUN
fsr-3449	119	18	required	require	VERB
fsr-3449	119	19	to	to	PART
fsr-3449	119	20	obtain	obtain	VERB
fsr-3449	119	21	the	the	DET
fsr-3449	119	22	desired	desire	VERB
fsr-3449	119	23	outcome	outcome	NOUN
fsr-3449	119	24	(	(	PUNCT
fsr-3449	119	25	bandura	bandura	NOUN
fsr-3449	119	26	,	,	PUNCT
fsr-3449	119	27	1977	1977	NUM
fsr-3449	119	28	)	)	PUNCT
fsr-3449	119	29	.	.	PUNCT
fsr-3449	120	1	thus	thus	ADV
fsr-3449	120	2	,	,	PUNCT
fsr-3449	120	3	the	the	DET
fsr-3449	120	4	feeling	feeling	NOUN
fsr-3449	120	5	of	of	ADP
fsr-3449	120	6	self	self	NOUN
fsr-3449	120	7	-	-	PUNCT
fsr-3449	120	8	efficacy	efficacy	NOUN
fsr-3449	120	9	has	have	AUX
fsr-3449	120	10	been	be	AUX
fsr-3449	120	11	revealed	reveal	VERB
fsr-3449	120	12	to	to	PART
fsr-3449	120	13	be	be	AUX
fsr-3449	120	14	one	one	NUM
fsr-3449	120	15	of	of	ADP
fsr-3449	120	16	the	the	DET
fsr-3449	120	17	major	major	ADJ
fsr-3449	120	18	factors	factor	NOUN
fsr-3449	120	19	influencing	influence	VERB
fsr-3449	120	20	human	human	ADJ
fsr-3449	120	21	behavior	behavior	NOUN
fsr-3449	120	22	(	(	PUNCT
fsr-3449	120	23	ajzen	ajzen	NOUN
fsr-3449	120	24	,	,	PUNCT
fsr-3449	120	25	2002	2002	NUM
fsr-3449	120	26	;	;	PUNCT
fsr-3449	120	27	bandura	bandura	NOUN
fsr-3449	120	28	,	,	PUNCT
fsr-3449	120	29	1977	1977	NUM
fsr-3449	120	30	)	)	PUNCT
fsr-3449	120	31	.	.	PUNCT
fsr-3449	121	1	researchers	researcher	NOUN
fsr-3449	121	2	in	in	ADP
fsr-3449	121	3	personal	personal	ADJ
fsr-3449	121	4	finance	finance	NOUN
fsr-3449	121	5	have	have	AUX
fsr-3449	121	6	been	be	AUX
fsr-3449	121	7	aware	aware	ADJ
fsr-3449	121	8	of	of	ADP
fsr-3449	121	9	the	the	DET
fsr-3449	121	10	importance	importance	NOUN
fsr-3449	121	11	of	of	ADP
fsr-3449	121	12	financial	financial	ADJ
fsr-3449	121	13	self	self	NOUN
fsr-3449	121	14	-	-	PUNCT
fsr-3449	121	15	efficacy	efficacy	NOUN
fsr-3449	121	16	to	to	PART
fsr-3449	121	17	improve	improve	VERB
fsr-3449	121	18	financial	financial	ADJ
fsr-3449	121	19	capability	capability	NOUN
fsr-3449	121	20	(	(	PUNCT
fsr-3449	121	21	amatucci	amatucci	PROPN
fsr-3449	121	22	&	&	CCONJ
fsr-3449	121	23	crawley	crawley	PROPN
fsr-3449	121	24	,	,	PUNCT
fsr-3449	121	25	2011	2011	NUM
fsr-3449	121	26	;	;	PUNCT
fsr-3449	121	27	lown	lown	PROPN
fsr-3449	121	28	,	,	PUNCT
fsr-3449	121	29	2011	2011	NUM
fsr-3449	121	30	)	)	PUNCT
fsr-3449	121	31	.	.	PUNCT
fsr-3449	122	1	generally	generally	ADV
fsr-3449	122	2	defined	define	VERB
fsr-3449	122	3	as	as	ADP
fsr-3449	122	4	“	"	PUNCT
fsr-3449	122	5	one	one	NUM
fsr-3449	122	6	’s	’s	PART
fsr-3449	122	7	sense	sense	NOUN
fsr-3449	122	8	of	of	ADP
fsr-3449	122	9	being	be	AUX
fsr-3449	122	10	prepared	prepare	VERB
fsr-3449	122	11	and	and	CCONJ
fsr-3449	122	12	able	able	ADJ
fsr-3449	122	13	to	to	PART
fsr-3449	122	14	handle	handle	VERB
fsr-3449	122	15	financial	financial	ADJ
fsr-3449	122	16	responsibility	responsibility	NOUN
fsr-3449	122	17	”	"	PUNCT
fsr-3449	122	18	(	(	PUNCT
fsr-3449	122	19	montalto	montalto	PROPN
fsr-3449	122	20	,	,	PUNCT
fsr-3449	122	21	et	et	PROPN
fsr-3449	122	22	al	al	PROPN
fsr-3449	122	23	.	.	PROPN
fsr-3449	122	24	,	,	PUNCT
fsr-3449	122	25	2019	2019	NUM
fsr-3449	122	26	,	,	PUNCT
fsr-3449	122	27	p.	p.	NOUN
fsr-3449	122	28	15	15	NUM
fsr-3449	122	29	)	)	PUNCT
fsr-3449	122	30	,	,	PUNCT
fsr-3449	122	31	financial	financial	ADJ
fsr-3449	122	32	self	self	NOUN
fsr-3449	122	33	-	-	PUNCT
fsr-3449	122	34	efficacy	efficacy	NOUN
fsr-3449	122	35	has	have	AUX
fsr-3449	122	36	been	be	AUX
fsr-3449	122	37	found	find	VERB
fsr-3449	122	38	to	to	PART
fsr-3449	122	39	be	be	AUX
fsr-3449	122	40	significantly	significantly	ADV
fsr-3449	122	41	and	and	CCONJ
fsr-3449	122	42	positively	positively	ADV
fsr-3449	122	43	associated	associate	VERB
fsr-3449	122	44	with	with	ADP
fsr-3449	122	45	responsible	responsible	ADJ
fsr-3449	122	46	financial	financial	ADJ
fsr-3449	122	47	behaviors	behavior	NOUN
fsr-3449	122	48	,	,	PUNCT
fsr-3449	122	49	including	include	VERB
fsr-3449	122	50	help	help	NOUN
fsr-3449	122	51	-	-	PUNCT
fsr-3449	122	52	seeking	seeking	NOUN
fsr-3449	122	53	,	,	PUNCT
fsr-3449	122	54	making	make	VERB
fsr-3449	122	55	investments	investment	NOUN
fsr-3449	122	56	,	,	PUNCT
fsr-3449	122	57	and	and	CCONJ
fsr-3449	122	58	saving	save	VERB
fsr-3449	122	59	(	(	PUNCT
fsr-3449	122	60	asebedo	asebedo	PROPN
fsr-3449	122	61	,	,	PUNCT
fsr-3449	122	62	&	&	CCONJ
fsr-3449	122	63	seay	seay	ADJ
fsr-3449	122	64	,	,	PUNCT
fsr-3449	122	65	2018	2018	NUM
fsr-3449	122	66	;	;	PUNCT
fsr-3449	122	67	farrell	farrell	PROPN
fsr-3449	122	68	,	,	PUNCT
fsr-3449	122	69	fry	fry	PROPN
fsr-3449	122	70	,	,	PUNCT
fsr-3449	122	71	&	&	CCONJ
fsr-3449	122	72	risse	risse	PROPN
fsr-3449	122	73	,	,	PUNCT
fsr-3449	122	74	2016	2016	NUM
fsr-3449	122	75	;	;	PUNCT
fsr-3449	122	76	lim	lim	PROPN
fsr-3449	122	77	,	,	PUNCT
fsr-3449	122	78	heckman	heckman	PROPN
fsr-3449	122	79	,	,	PUNCT
fsr-3449	122	80	montalto	montalto	PROPN
fsr-3449	122	81	,	,	PUNCT
fsr-3449	122	82	&	&	CCONJ
fsr-3449	122	83	letkiewicz	letkiewicz	PROPN
fsr-3449	122	84	,	,	PUNCT
fsr-3449	122	85	2014	2014	NUM
fsr-3449	122	86	)	)	PUNCT
fsr-3449	122	87	.	.	PUNCT
fsr-3449	123	1	furthermore	furthermore	ADV
fsr-3449	123	2	,	,	PUNCT
fsr-3449	123	3	financial	financial	ADJ
fsr-3449	123	4	self	self	NOUN
fsr-3449	123	5	-	-	PUNCT
fsr-3449	123	6	efficacy	efficacy	NOUN
fsr-3449	123	7	is	be	AUX
fsr-3449	123	8	linked	link	VERB
fsr-3449	123	9	to	to	ADP
fsr-3449	123	10	financial	financial	ADJ
fsr-3449	123	11	well	well	ADV
fsr-3449	123	12	-	-	PUNCT
fsr-3449	123	13	being	being	NOUN
fsr-3449	123	14	and	and	CCONJ
fsr-3449	123	15	subjective	subjective	ADJ
fsr-3449	123	16	well	well	ADV
fsr-3449	123	17	-	-	PUNCT
fsr-3449	123	18	being	be	AUX
fsr-3449	123	19	(	(	PUNCT
fsr-3449	123	20	robb	robb	NOUN
fsr-3449	123	21	,	,	PUNCT
fsr-3449	123	22	2017	2017	NUM
fsr-3449	123	23	)	)	PUNCT
fsr-3449	123	24	.	.	PUNCT
fsr-3449	124	1	based	base	VERB
fsr-3449	124	2	on	on	ADP
fsr-3449	124	3	previous	previous	ADJ
fsr-3449	124	4	findings	finding	NOUN
fsr-3449	124	5	,	,	PUNCT
fsr-3449	124	6	it	it	PRON
fsr-3449	124	7	is	be	AUX
fsr-3449	124	8	hypothesized	hypothesize	VERB
fsr-3449	124	9	that	that	SCONJ
fsr-3449	124	10	financial	financial	ADJ
fsr-3449	124	11	self	self	NOUN
fsr-3449	124	12	-	-	PUNCT
fsr-3449	124	13	efficacy	efficacy	NOUN
fsr-3449	124	14	can	can	AUX
fsr-3449	124	15	be	be	AUX
fsr-3449	124	16	related	relate	VERB
fsr-3449	124	17	to	to	ADP
fsr-3449	124	18	the	the	DET
fsr-3449	124	19	likelihood	likelihood	NOUN
fsr-3449	124	20	of	of	ADP
fsr-3449	124	21	life	life	NOUN
fsr-3449	124	22	insurance	insurance	NOUN
fsr-3449	124	23	ownership	ownership	NOUN
fsr-3449	124	24	,	,	PUNCT
fsr-3449	124	25	which	which	PRON
fsr-3449	124	26	is	be	AUX
fsr-3449	124	27	a	a	DET
fsr-3449	124	28	type	type	NOUN
fsr-3449	124	29	of	of	ADP
fsr-3449	124	30	financial	financial	ADJ
fsr-3449	124	31	management	management	NOUN
fsr-3449	124	32	.	.	PUNCT
fsr-3449	125	1	to	to	PART
fsr-3449	125	2	assess	assess	VERB
fsr-3449	125	3	one	one	NUM
fsr-3449	125	4	’s	’s	PART
fsr-3449	125	5	level	level	NOUN
fsr-3449	125	6	of	of	ADP
fsr-3449	125	7	financial	financial	ADJ
fsr-3449	125	8	self	self	NOUN
fsr-3449	125	9	-	-	PUNCT
fsr-3449	125	10	efficacy	efficacy	NOUN
fsr-3449	125	11	,	,	PUNCT
fsr-3449	125	12	lown	lown	PROPN
fsr-3449	125	13	(	(	PUNCT
fsr-3449	125	14	2011	2011	NUM
fsr-3449	125	15	)	)	PUNCT
fsr-3449	125	16	developed	develop	VERB
fsr-3449	125	17	a	a	DET
fsr-3449	125	18	financial	financial	ADJ
fsr-3449	125	19	self	self	NOUN
fsr-3449	125	20	-	-	PUNCT
fsr-3449	125	21	efficacy	efficacy	NOUN
fsr-3449	125	22	scale	scale	NOUN
fsr-3449	125	23	(	(	PUNCT
fsr-3449	125	24	fses	fse	NOUN
fsr-3449	125	25	)	)	PUNCT
fsr-3449	125	26	that	that	PRON
fsr-3449	125	27	measures	measure	VERB
fsr-3449	125	28	an	an	DET
fsr-3449	125	29	individual	individual	NOUN
fsr-3449	125	30	’s	’s	PART
fsr-3449	125	31	self	self	NOUN
fsr-3449	125	32	-	-	PUNCT
fsr-3449	125	33	efficacy	efficacy	NOUN
fsr-3449	125	34	specific	specific	NOUN
fsr-3449	125	35	to	to	ADP
fsr-3449	125	36	certain	certain	ADJ
fsr-3449	125	37	financial	financial	ADJ
fsr-3449	125	38	behaviors	behavior	NOUN
fsr-3449	125	39	.	.	PUNCT
fsr-3449	126	1	directly	directly	ADV
fsr-3449	126	2	modeled	model	VERB
fsr-3449	126	3	on	on	ADP
fsr-3449	126	4	the	the	DET
fsr-3449	126	5	general	general	ADJ
fsr-3449	126	6	self	self	NOUN
fsr-3449	126	7	-	-	PUNCT
fsr-3449	126	8	efficacy	efficacy	NOUN
fsr-3449	126	9	scale	scale	NOUN
fsr-3449	126	10	(	(	PUNCT
fsr-3449	126	11	gses	gse	NOUN
fsr-3449	126	12	)	)	PUNCT
fsr-3449	126	13	,	,	PUNCT
fsr-3449	126	14	the	the	DET
fsr-3449	126	15	financial	financial	ADJ
fsr-3449	126	16	self	self	NOUN
fsr-3449	126	17	-	-	PUNCT
fsr-3449	126	18	efficacy	efficacy	NOUN
fsr-3449	126	19	scale	scale	NOUN
fsr-3449	126	20	consists	consist	VERB
fsr-3449	126	21	of	of	ADP
fsr-3449	126	22	six	six	NUM
fsr-3449	126	23	items	item	NOUN
fsr-3449	126	24	that	that	PRON
fsr-3449	126	25	ask	ask	VERB
fsr-3449	126	26	questions	question	NOUN
fsr-3449	126	27	about	about	ADP
fsr-3449	126	28	respondents	respondent	NOUN
fsr-3449	126	29	’	'	PUNCT
fsr-3449	126	30	confidence	confidence	NOUN
fsr-3449	126	31	in	in	ADP
fsr-3449	126	32	terms	term	NOUN
fsr-3449	126	33	of	of	ADP
fsr-3449	126	34	managing	manage	VERB
fsr-3449	126	35	their	their	PRON
fsr-3449	126	36	personal	personal	ADJ
fsr-3449	126	37	finances	finance	NOUN
fsr-3449	126	38	.	.	PUNCT
fsr-3449	127	1	higher	high	ADJ
fsr-3449	127	2	scores	score	NOUN
fsr-3449	127	3	on	on	ADP
fsr-3449	127	4	the	the	DET
fsr-3449	127	5	financial	financial	ADJ
fsr-3449	127	6	self	self	NOUN
fsr-3449	127	7	-	-	PUNCT
fsr-3449	127	8	efficacy	efficacy	NOUN
fsr-3449	127	9	scale	scale	NOUN
fsr-3449	127	10	indicate	indicate	VERB
fsr-3449	127	11	higher	high	ADJ
fsr-3449	127	12	confidence	confidence	NOUN
fsr-3449	127	13	in	in	ADP
fsr-3449	127	14	personal	personal	ADJ
fsr-3449	127	15	financial	financial	ADJ
fsr-3449	127	16	management	management	NOUN
fsr-3449	127	17	.	.	PUNCT
fsr-3449	128	1	life	life	NOUN
fsr-3449	128	2	satisfaction	satisfaction	NOUN
fsr-3449	128	3	is	be	AUX
fsr-3449	128	4	a	a	DET
fsr-3449	128	5	cognitive	cognitive	ADJ
fsr-3449	128	6	judgment	judgment	NOUN
fsr-3449	128	7	regarding	regard	VERB
fsr-3449	128	8	a	a	DET
fsr-3449	128	9	person	person	NOUN
fsr-3449	128	10	’s	’s	PART
fsr-3449	128	11	own	own	ADJ
fsr-3449	128	12	quality	quality	NOUN
fsr-3449	128	13	of	of	ADP
fsr-3449	128	14	life	life	NOUN
fsr-3449	128	15	(	(	PUNCT
fsr-3449	128	16	diener	diener	PROPN
fsr-3449	128	17	,	,	PUNCT
fsr-3449	128	18	emmons	emmons	PROPN
fsr-3449	128	19	,	,	PUNCT
fsr-3449	128	20	larsen	larsen	PROPN
fsr-3449	128	21	,	,	PUNCT
fsr-3449	128	22	&	&	CCONJ
fsr-3449	128	23	griffin	griffin	PROPN
fsr-3449	128	24	,	,	PUNCT
fsr-3449	128	25	1985	1985	NUM
fsr-3449	128	26	)	)	PUNCT
fsr-3449	128	27	.	.	PUNCT
fsr-3449	129	1	the	the	DET
fsr-3449	129	2	assessment	assessment	NOUN
fsr-3449	129	3	of	of	ADP
fsr-3449	129	4	quality	quality	NOUN
fsr-3449	129	5	of	of	ADP
fsr-3449	129	6	life	life	NOUN
fsr-3449	129	7	is	be	AUX
fsr-3449	129	8	dependent	dependent	ADJ
fsr-3449	129	9	upon	upon	SCONJ
fsr-3449	129	10	the	the	DET
fsr-3449	129	11	comparison	comparison	NOUN
fsr-3449	129	12	of	of	ADP
fsr-3449	129	13	one	one	NUM
fsr-3449	129	14	’s	’s	PART
fsr-3449	129	15	perceived	perceive	VERB
fsr-3449	129	16	life	life	NOUN
fsr-3449	129	17	circumstances	circumstance	NOUN
fsr-3449	129	18	with	with	ADP
fsr-3449	129	19	self	self	NOUN
fsr-3449	129	20	-	-	PUNCT
fsr-3449	129	21	imposed	impose	VERB
fsr-3449	129	22	standards	standard	NOUN
fsr-3449	129	23	(	(	PUNCT
fsr-3449	129	24	pavot	pavot	NOUN
fsr-3449	129	25	&	&	CCONJ
fsr-3449	129	26	diener	diener	PROPN
fsr-3449	129	27	,	,	PUNCT
fsr-3449	129	28	2009	2009	NUM
fsr-3449	129	29	)	)	PUNCT
fsr-3449	129	30	.	.	PUNCT
fsr-3449	130	1	thus	thus	ADV
fsr-3449	130	2	,	,	PUNCT
fsr-3449	130	3	ones	one	NOUN
fsr-3449	130	4	’	'	PUNCT
fsr-3449	130	5	degree	degree	NOUN
fsr-3449	130	6	of	of	ADP
fsr-3449	130	7	satisfaction	satisfaction	NOUN
fsr-3449	130	8	with	with	ADP
fsr-3449	130	9	life	life	NOUN
fsr-3449	130	10	is	be	AUX
fsr-3449	130	11	highly	highly	ADV
fsr-3449	130	12	up	up	ADP
fsr-3449	130	13	to	to	ADP
fsr-3449	130	14	the	the	DET
fsr-3449	130	15	individual	individual	ADJ
fsr-3449	130	16	person	person	NOUN
fsr-3449	130	17	(	(	PUNCT
fsr-3449	130	18	diener	diener	PROPN
fsr-3449	130	19	,	,	PUNCT
fsr-3449	130	20	emmons	emmons	PROPN
fsr-3449	130	21	et	et	PROPN
fsr-3449	130	22	al	al	PROPN
fsr-3449	130	23	.	.	PROPN
fsr-3449	130	24	,	,	PUNCT
fsr-3449	130	25	1985	1985	NUM
fsr-3449	130	26	;	;	PUNCT
fsr-3449	130	27	pavot	pavot	PROPN
fsr-3449	130	28	&	&	CCONJ
fsr-3449	130	29	diener	diener	PROPN
fsr-3449	130	30	,	,	PUNCT
fsr-3449	130	31	2009	2009	NUM
fsr-3449	130	32	)	)	PUNCT
fsr-3449	130	33	.	.	PUNCT
fsr-3449	131	1	researchers	researcher	NOUN
fsr-3449	131	2	have	have	AUX
fsr-3449	131	3	found	find	VERB
fsr-3449	131	4	that	that	SCONJ
fsr-3449	131	5	life	life	NOUN
fsr-3449	131	6	satisfaction	satisfaction	NOUN
fsr-3449	131	7	is	be	AUX
fsr-3449	131	8	closely	closely	ADV
fsr-3449	131	9	related	relate	VERB
fsr-3449	131	10	to	to	ADP
fsr-3449	131	11	one	one	NUM
fsr-3449	131	12	’s	’s	PART
fsr-3449	131	13	financial	financial	ADJ
fsr-3449	131	14	status	status	NOUN
fsr-3449	131	15	proxied	proxie	VERB
fsr-3449	131	16	by	by	ADP
fsr-3449	131	17	income	income	NOUN
fsr-3449	131	18	,	,	PUNCT
fsr-3449	131	19	wealth	wealth	NOUN
fsr-3449	131	20	,	,	PUNCT
fsr-3449	131	21	or	or	CCONJ
fsr-3449	131	22	financial	financial	ADJ
fsr-3449	131	23	satisfaction	satisfaction	NOUN
fsr-3449	131	24	.	.	PUNCT
fsr-3449	132	1	the	the	DET
fsr-3449	132	2	major	major	ADJ
fsr-3449	132	3	argument	argument	NOUN
fsr-3449	132	4	was	be	AUX
fsr-3449	132	5	whether	whether	SCONJ
fsr-3449	132	6	or	or	CCONJ
fsr-3449	132	7	not	not	PART
fsr-3449	132	8	money	money	NOUN
fsr-3449	132	9	could	could	AUX
fsr-3449	132	10	buy	buy	VERB
fsr-3449	132	11	happiness	happiness	NOUN
fsr-3449	132	12	.	.	PUNCT
fsr-3449	133	1	although	although	SCONJ
fsr-3449	133	2	researchers	researcher	NOUN
fsr-3449	133	3	have	have	AUX
fsr-3449	133	4	pointed	point	VERB
fsr-3449	133	5	out	out	ADP
fsr-3449	133	6	that	that	SCONJ
fsr-3449	133	7	the	the	DET
fsr-3449	133	8	effects	effect	NOUN
fsr-3449	133	9	of	of	ADP
fsr-3449	133	10	financial	financial	ADJ
fsr-3449	133	11	factors	factor	NOUN
fsr-3449	133	12	on	on	ADP
fsr-3449	133	13	life	life	NOUN
fsr-3449	133	14	satisfaction	satisfaction	NOUN
fsr-3449	133	15	were	be	AUX
fsr-3449	133	16	only	only	ADV
fsr-3449	133	17	minimal	minimal	ADJ
fsr-3449	133	18	,	,	PUNCT
fsr-3449	133	19	studies	study	NOUN
fsr-3449	133	20	tended	tend	VERB
fsr-3449	133	21	to	to	PART
fsr-3449	133	22	confirm	confirm	VERB
fsr-3449	133	23	that	that	SCONJ
fsr-3449	133	24	there	there	PRON
fsr-3449	133	25	was	be	VERB
fsr-3449	133	26	a	a	DET
fsr-3449	133	27	positive	positive	ADJ
fsr-3449	133	28	association	association	NOUN
fsr-3449	133	29	between	between	ADP
fsr-3449	133	30	financial	financial	ADJ
fsr-3449	133	31	status	status	NOUN
fsr-3449	133	32	and	and	CCONJ
fsr-3449	133	33	life	life	NOUN
fsr-3449	133	34	satisfaction	satisfaction	NOUN
fsr-3449	133	35	(	(	PUNCT
fsr-3449	133	36	cheung	cheung	PROPN
fsr-3449	133	37	&	&	CCONJ
fsr-3449	133	38	lucas	lucas	PROPN
fsr-3449	133	39	,	,	PUNCT
fsr-3449	133	40	2015	2015	NUM
fsr-3449	133	41	;	;	PUNCT
fsr-3449	133	42	diener	diener	PROPN
fsr-3449	133	43	&	&	CCONJ
fsr-3449	133	44	biswas	biswas	PROPN
fsr-3449	133	45	-	-	PUNCT
fsr-3449	133	46	diener	diener	PROPN
fsr-3449	133	47	,	,	PUNCT
fsr-3449	133	48	2002	2002	NUM
fsr-3449	133	49	;	;	PUNCT
fsr-3449	133	50	diener	diener	PROPN
fsr-3449	133	51	&	&	CCONJ
fsr-3449	133	52	diener	diener	PROPN
fsr-3449	133	53	,	,	PUNCT
fsr-3449	133	54	2009	2009	NUM
fsr-3449	133	55	;	;	PUNCT
fsr-3449	133	56	heo	heo	PROPN
fsr-3449	133	57	,	,	PUNCT
fsr-3449	133	58	lee	lee	PROPN
fsr-3449	133	59	,	,	PUNCT
fsr-3449	133	60	&	&	CCONJ
fsr-3449	133	61	park	park	PROPN
fsr-3449	133	62	,	,	PUNCT
fsr-3449	133	63	2020	2020	NUM
fsr-3449	133	64	;	;	PUNCT
fsr-3449	133	65	johnson	johnson	PROPN
fsr-3449	133	66	&	&	CCONJ
fsr-3449	133	67	krueger	krueger	PROPN
fsr-3449	133	68	,	,	PUNCT
fsr-3449	133	69	2006	2006	NUM
fsr-3449	133	70	;	;	PUNCT
fsr-3449	133	71	park	park	PROPN
fsr-3449	133	72	,	,	PUNCT
fsr-3449	133	73	lee	lee	PROPN
fsr-3449	133	74	,	,	PUNCT
fsr-3449	133	75	&	&	CCONJ
fsr-3449	133	76	heo	heo	PROPN
fsr-3449	133	77	,	,	PUNCT
fsr-3449	133	78	2020	2020	NUM
fsr-3449	133	79	)	)	PUNCT
fsr-3449	133	80	.	.	PUNCT
fsr-3449	134	1	in	in	ADP
fsr-3449	134	2	other	other	ADJ
fsr-3449	134	3	words	word	NOUN
fsr-3449	134	4	,	,	PUNCT
fsr-3449	134	5	individuals	individual	NOUN
fsr-3449	134	6	who	who	PRON
fsr-3449	134	7	earned	earn	VERB
fsr-3449	134	8	a	a	DET
fsr-3449	134	9	higher	high	ADJ
fsr-3449	134	10	income	income	NOUN
fsr-3449	134	11	,	,	PUNCT
fsr-3449	134	12	who	who	PRON
fsr-3449	134	13	had	have	VERB
fsr-3449	134	14	more	more	ADJ
fsr-3449	134	15	wealth	wealth	NOUN
fsr-3449	134	16	,	,	PUNCT
fsr-3449	134	17	and	and	CCONJ
fsr-3449	134	18	who	who	PRON
fsr-3449	134	19	reported	report	VERB
fsr-3449	134	20	both	both	DET
fsr-3449	134	21	higher	high	ADJ
fsr-3449	134	22	levels	level	NOUN
fsr-3449	134	23	of	of	ADP
fsr-3449	134	24	financial	financial	ADJ
fsr-3449	134	25	satisfaction	satisfaction	NOUN
fsr-3449	134	26	and	and	CCONJ
fsr-3449	134	27	lower	low	ADJ
fsr-3449	134	28	levels	level	NOUN
fsr-3449	134	29	of	of	ADP
fsr-3449	134	30	financial	financial	ADJ
fsr-3449	134	31	stress	stress	NOUN
fsr-3449	134	32	were	be	AUX
fsr-3449	134	33	more	more	ADV
fsr-3449	134	34	likely	likely	ADJ
fsr-3449	134	35	to	to	PART
fsr-3449	134	36	exhibit	exhibit	VERB
fsr-3449	134	37	higher	high	ADJ
fsr-3449	134	38	levels	level	NOUN
fsr-3449	134	39	of	of	ADP
fsr-3449	134	40	life	life	NOUN
fsr-3449	134	41	satisfaction	satisfaction	NOUN
fsr-3449	134	42	.	.	PUNCT
fsr-3449	135	1	w.	w.	PROPN
fsr-3449	135	2	heo	heo	PROPN
fsr-3449	135	3	et	et	PROPN
fsr-3449	135	4	al	al	PROPN
fsr-3449	135	5	.	.	PUNCT
fsr-3449	135	6	/	/	SYM
fsr-3449	135	7	financial	financial	ADJ
fsr-3449	135	8	services	service	NOUN
fsr-3449	135	9	review	review	VERB
fsr-3449	135	10	29	29	NUM
fsr-3449	135	11	(	(	PUNCT
fsr-3449	135	12	2021	2021	NUM
fsr-3449	135	13	)	)	PUNCT
fsr-3449	135	14	101–119	101–119	NUM
fsr-3449	135	15	107	107	NUM
fsr-3449	135	16	however	however	ADV
fsr-3449	135	17	,	,	PUNCT
fsr-3449	135	18	the	the	DET
fsr-3449	135	19	association	association	NOUN
fsr-3449	135	20	between	between	ADP
fsr-3449	135	21	financial	financial	ADJ
fsr-3449	135	22	status	status	NOUN
fsr-3449	135	23	and	and	CCONJ
fsr-3449	135	24	life	life	NOUN
fsr-3449	135	25	satisfaction	satisfaction	NOUN
fsr-3449	135	26	can	can	AUX
fsr-3449	135	27	also	also	ADV
fsr-3449	135	28	be	be	AUX
fsr-3449	135	29	inversive	inversive	ADJ
fsr-3449	135	30	.	.	PUNCT
fsr-3449	136	1	by	by	ADP
fsr-3449	136	2	reviewing	review	VERB
fsr-3449	136	3	a	a	DET
fsr-3449	136	4	variety	variety	NOUN
fsr-3449	136	5	of	of	ADP
fsr-3449	136	6	panel	panel	NOUN
fsr-3449	136	7	studies	study	NOUN
fsr-3449	136	8	,	,	PUNCT
fsr-3449	136	9	diener	diener	PROPN
fsr-3449	136	10	and	and	CCONJ
fsr-3449	136	11	biswas	biswas	PROPN
fsr-3449	136	12	-	-	PUNCT
fsr-3449	136	13	diener	diener	PROPN
fsr-3449	136	14	(	(	PUNCT
fsr-3449	136	15	2002	2002	NUM
fsr-3449	136	16	)	)	PUNCT
fsr-3449	136	17	concluded	conclude	VERB
fsr-3449	136	18	that	that	SCONJ
fsr-3449	136	19	the	the	DET
fsr-3449	136	20	relationship	relationship	NOUN
fsr-3449	136	21	between	between	ADP
fsr-3449	136	22	subjective	subjective	ADJ
fsr-3449	136	23	well	well	ADV
fsr-3449	136	24	-	-	PUNCT
fsr-3449	136	25	being	being	NOUN
fsr-3449	136	26	and	and	CCONJ
fsr-3449	136	27	financial	financial	ADJ
fsr-3449	136	28	status	status	NOUN
fsr-3449	136	29	is	be	AUX
fsr-3449	136	30	bidirectional	bidirectional	ADJ
fsr-3449	136	31	,	,	PUNCT
fsr-3449	136	32	indicating	indicate	VERB
fsr-3449	136	33	that	that	SCONJ
fsr-3449	136	34	happy	happy	ADJ
fsr-3449	136	35	people	people	NOUN
fsr-3449	136	36	could	could	AUX
fsr-3449	136	37	be	be	AUX
fsr-3449	136	38	more	more	ADV
fsr-3449	136	39	proactive	proactive	ADJ
fsr-3449	136	40	in	in	ADP
fsr-3449	136	41	managing	manage	VERB
fsr-3449	136	42	their	their	PRON
fsr-3449	136	43	finances	finance	NOUN
fsr-3449	136	44	.	.	PUNCT
fsr-3449	137	1	based	base	VERB
fsr-3449	137	2	on	on	ADP
fsr-3449	137	3	this	this	DET
fsr-3449	137	4	assumption	assumption	NOUN
fsr-3449	137	5	,	,	PUNCT
fsr-3449	137	6	it	it	PRON
fsr-3449	137	7	is	be	AUX
fsr-3449	137	8	reasonable	reasonable	ADJ
fsr-3449	137	9	to	to	PART
fsr-3449	137	10	think	think	VERB
fsr-3449	137	11	that	that	SCONJ
fsr-3449	137	12	the	the	DET
fsr-3449	137	13	subjective	subjective	ADJ
fsr-3449	137	14	perception	perception	NOUN
fsr-3449	137	15	of	of	ADP
fsr-3449	137	16	life	life	NOUN
fsr-3449	137	17	can	can	AUX
fsr-3449	137	18	influence	influence	VERB
fsr-3449	137	19	one	one	NUM
fsr-3449	137	20	’s	’s	PART
fsr-3449	137	21	decision	decision	NOUN
fsr-3449	137	22	-	-	PUNCT
fsr-3449	137	23	making	making	NOUN
fsr-3449	137	24	regarding	regard	VERB
fsr-3449	137	25	life	life	NOUN
fsr-3449	137	26	insurance	insurance	NOUN
fsr-3449	137	27	ownership	ownership	NOUN
fsr-3449	137	28	.	.	PUNCT
fsr-3449	138	1	if	if	SCONJ
fsr-3449	138	2	a	a	DET
fsr-3449	138	3	person	person	NOUN
fsr-3449	138	4	is	be	AUX
fsr-3449	138	5	highly	highly	ADV
fsr-3449	138	6	satisfied	satisfied	ADJ
fsr-3449	138	7	with	with	ADP
fsr-3449	138	8	one	one	NUM
fsr-3449	138	9	’s	’s	PART
fsr-3449	138	10	own	own	ADJ
fsr-3449	138	11	life	life	NOUN
fsr-3449	138	12	,	,	PUNCT
fsr-3449	138	13	the	the	DET
fsr-3449	138	14	person	person	NOUN
fsr-3449	138	15	would	would	AUX
fsr-3449	138	16	be	be	AUX
fsr-3449	138	17	more	more	ADV
fsr-3449	138	18	likely	likely	ADJ
fsr-3449	138	19	to	to	PART
fsr-3449	138	20	have	have	VERB
fsr-3449	138	21	life	life	NOUN
fsr-3449	138	22	insurance	insurance	NOUN
fsr-3449	138	23	,	,	PUNCT
fsr-3449	138	24	either	either	CCONJ
fsr-3449	138	25	as	as	ADP
fsr-3449	138	26	a	a	DET
fsr-3449	138	27	means	means	NOUN
fsr-3449	138	28	of	of	ADP
fsr-3449	138	29	transferring	transfer	VERB
fsr-3449	138	30	financial	financial	ADJ
fsr-3449	138	31	resources	resource	NOUN
fsr-3449	138	32	or	or	CCONJ
fsr-3449	138	33	as	as	ADP
fsr-3449	138	34	a	a	DET
fsr-3449	138	35	savings	savings	NOUN
fsr-3449	138	36	vehicle	vehicle	NOUN
fsr-3449	138	37	.	.	PUNCT
fsr-3449	139	1	however	however	ADV
fsr-3449	139	2	,	,	PUNCT
fsr-3449	139	3	if	if	SCONJ
fsr-3449	139	4	a	a	DET
fsr-3449	139	5	person	person	NOUN
fsr-3449	139	6	is	be	AUX
fsr-3449	139	7	unsatisfied	unsatisfied	ADJ
fsr-3449	139	8	with	with	ADP
fsr-3449	139	9	her	she	PRON
fsr-3449	139	10	/	/	SYM
fsr-3449	139	11	his	his	PRON
fsr-3449	139	12	life	life	NOUN
fsr-3449	139	13	,	,	PUNCT
fsr-3449	139	14	the	the	DET
fsr-3449	139	15	person	person	NOUN
fsr-3449	139	16	might	might	AUX
fsr-3449	139	17	not	not	PART
fsr-3449	139	18	look	look	VERB
fsr-3449	139	19	beyond	beyond	ADP
fsr-3449	139	20	the	the	DET
fsr-3449	139	21	present	present	NOUN
fsr-3449	139	22	.	.	PUNCT
fsr-3449	140	1	nevertheless	nevertheless	ADV
fsr-3449	140	2	,	,	PUNCT
fsr-3449	140	3	there	there	PRON
fsr-3449	140	4	is	be	VERB
fsr-3449	140	5	a	a	DET
fsr-3449	140	6	lack	lack	NOUN
fsr-3449	140	7	of	of	ADP
fsr-3449	140	8	existing	exist	VERB
fsr-3449	140	9	literature	literature	NOUN
fsr-3449	140	10	that	that	PRON
fsr-3449	140	11	examines	examine	VERB
fsr-3449	140	12	how	how	SCONJ
fsr-3449	140	13	an	an	DET
fsr-3449	140	14	individual	individual	NOUN
fsr-3449	140	15	’s	’s	PART
fsr-3449	140	16	life	life	NOUN
fsr-3449	140	17	satisfaction	satisfaction	NOUN
fsr-3449	140	18	determines	determine	VERB
fsr-3449	140	19	his	his	PRON
fsr-3449	140	20	/	/	SYM
fsr-3449	140	21	her	her	PRON
fsr-3449	140	22	decision	decision	NOUN
fsr-3449	140	23	to	to	PART
fsr-3449	140	24	buy	buy	VERB
fsr-3449	140	25	life	life	NOUN
fsr-3449	140	26	insurance	insurance	NOUN
fsr-3449	140	27	.	.	PUNCT
fsr-3449	141	1	3	3	X
fsr-3449	141	2	.	.	X
fsr-3449	141	3	data	datum	NOUN
fsr-3449	141	4	and	and	CCONJ
fsr-3449	141	5	methodology	methodology	NOUN
fsr-3449	141	6	3.1	3.1	NUM
fsr-3449	141	7	.	.	PUNCT
fsr-3449	141	8	data	datum	NOUN
fsr-3449	141	9	and	and	CCONJ
fsr-3449	141	10	analyses	analysis	NOUN
fsr-3449	141	11	this	this	DET
fsr-3449	141	12	study	study	NOUN
fsr-3449	141	13	conducted	conduct	VERB
fsr-3449	141	14	an	an	DET
fsr-3449	141	15	online	online	ADJ
fsr-3449	141	16	consumer	consumer	NOUN
fsr-3449	141	17	survey	survey	NOUN
fsr-3449	141	18	of	of	ADP
fsr-3449	141	19	1,000	1,000	NUM
fsr-3449	141	20	respondents	respondent	NOUN
fsr-3449	141	21	across	across	ADP
fsr-3449	141	22	the	the	DET
fsr-3449	141	23	united	united	PROPN
fsr-3449	141	24	states	states	PROPN
fsr-3449	141	25	,	,	PUNCT
fsr-3449	141	26	collected	collect	VERB
fsr-3449	141	27	with	with	ADP
fsr-3449	141	28	a	a	DET
fsr-3449	141	29	random	random	ADJ
fsr-3449	141	30	sampling	sampling	NOUN
fsr-3449	141	31	method	method	NOUN
fsr-3449	141	32	in	in	ADP
fsr-3449	141	33	september	september	PROPN
fsr-3449	141	34	2019	2019	NUM
fsr-3449	141	35	.	.	PUNCT
fsr-3449	142	1	the	the	DET
fsr-3449	142	2	questionnaire	questionnaire	NOUN
fsr-3449	142	3	measured	measure	VERB
fsr-3449	142	4	both	both	PRON
fsr-3449	142	5	individualand	individualand	NOUN
fsr-3449	142	6	household	household	NOUN
fsr-3449	142	7	-	-	PUNCT
fsr-3449	142	8	level	level	NOUN
fsr-3449	142	9	characteristics	characteristic	NOUN
fsr-3449	142	10	regarding	regard	VERB
fsr-3449	142	11	various	various	ADJ
fsr-3449	142	12	financial	financial	ADJ
fsr-3449	142	13	decisions	decision	NOUN
fsr-3449	142	14	and	and	CCONJ
fsr-3449	142	15	circumstances	circumstance	NOUN
fsr-3449	142	16	,	,	PUNCT
fsr-3449	142	17	including	include	VERB
fsr-3449	142	18	life	life	NOUN
fsr-3449	142	19	insurance	insurance	NOUN
fsr-3449	142	20	type	type	NOUN
fsr-3449	142	21	,	,	PUNCT
fsr-3449	142	22	net	net	ADJ
fsr-3449	142	23	balance	balance	NOUN
fsr-3449	142	24	status	status	NOUN
fsr-3449	142	25	,	,	PUNCT
fsr-3449	142	26	emergency	emergency	NOUN
fsr-3449	142	27	fund	fund	NOUN
fsr-3449	142	28	ownership	ownership	NOUN
fsr-3449	142	29	,	,	PUNCT
fsr-3449	142	30	financial	financial	ADJ
fsr-3449	142	31	risk	risk	NOUN
fsr-3449	142	32	tolerance	tolerance	NOUN
fsr-3449	142	33	,	,	PUNCT
fsr-3449	142	34	two	two	NUM
fsr-3449	142	35	types	type	NOUN
fsr-3449	142	36	of	of	ADP
fsr-3449	142	37	financial	financial	ADJ
fsr-3449	142	38	knowledge	knowledge	NOUN
fsr-3449	142	39	(	(	PUNCT
fsr-3449	142	40	subjective	subjective	ADJ
fsr-3449	142	41	and	and	CCONJ
fsr-3449	142	42	objective	objective	ADJ
fsr-3449	142	43	)	)	PUNCT
fsr-3449	142	44	,	,	PUNCT
fsr-3449	142	45	perceived	perceive	VERB
fsr-3449	142	46	health	health	NOUN
fsr-3449	142	47	condition	condition	NOUN
fsr-3449	142	48	,	,	PUNCT
fsr-3449	142	49	gender	gender	NOUN
fsr-3449	142	50	,	,	PUNCT
fsr-3449	142	51	income	income	NOUN
fsr-3449	142	52	,	,	PUNCT
fsr-3449	142	53	working	work	VERB
fsr-3449	142	54	status	status	NOUN
fsr-3449	142	55	,	,	PUNCT
fsr-3449	142	56	number	number	NOUN
fsr-3449	142	57	of	of	ADP
fsr-3449	142	58	children	child	NOUN
fsr-3449	142	59	in	in	ADP
fsr-3449	142	60	a	a	DET
fsr-3449	142	61	household	household	NOUN
fsr-3449	142	62	,	,	PUNCT
fsr-3449	142	63	education	education	NOUN
fsr-3449	142	64	,	,	PUNCT
fsr-3449	142	65	age	age	NOUN
fsr-3449	142	66	,	,	PUNCT
fsr-3449	142	67	race	race	NOUN
fsr-3449	142	68	,	,	PUNCT
fsr-3449	142	69	and	and	CCONJ
fsr-3449	142	70	relationship	relationship	NOUN
fsr-3449	142	71	status	status	NOUN
fsr-3449	142	72	.	.	PUNCT
fsr-3449	143	1	after	after	ADP
fsr-3449	143	2	excluding	exclude	VERB
fsr-3449	143	3	respondents	respondent	NOUN
fsr-3449	143	4	who	who	PRON
fsr-3449	143	5	did	do	AUX
fsr-3449	143	6	not	not	PART
fsr-3449	143	7	complete	complete	VERB
fsr-3449	143	8	the	the	DET
fsr-3449	143	9	questions	question	NOUN
fsr-3449	143	10	used	use	VERB
fsr-3449	143	11	by	by	ADP
fsr-3449	143	12	this	this	DET
fsr-3449	143	13	study	study	NOUN
fsr-3449	143	14	,	,	PUNCT
fsr-3449	143	15	the	the	DET
fsr-3449	143	16	final	final	ADJ
fsr-3449	143	17	sample	sample	NOUN
fsr-3449	143	18	consisted	consist	VERB
fsr-3449	143	19	of	of	ADP
fsr-3449	143	20	997	997	NUM
fsr-3449	143	21	respondents	respondent	NOUN
fsr-3449	143	22	.	.	PUNCT
fsr-3449	144	1	the	the	DET
fsr-3449	144	2	survey	survey	NOUN
fsr-3449	144	3	was	be	AUX
fsr-3449	144	4	funded	fund	VERB
fsr-3449	144	5	by	by	ADP
fsr-3449	144	6	the	the	DET
fsr-3449	144	7	national	national	PROPN
fsr-3449	144	8	institute	institute	PROPN
fsr-3449	144	9	of	of	ADP
fsr-3449	144	10	food	food	NOUN
fsr-3449	144	11	and	and	CCONJ
fsr-3449	144	12	agriculture	agriculture	NOUN
fsr-3449	144	13	(	(	PUNCT
fsr-3449	144	14	nifa	nifa	PROPN
fsr-3449	144	15	)	)	PUNCT
fsr-3449	144	16	as	as	ADP
fsr-3449	144	17	the	the	DET
fsr-3449	144	18	hatch	hatch	NOUN
fsr-3449	144	19	project	project	NOUN
fsr-3449	144	20	.	.	PUNCT
fsr-3449	145	1	the	the	DET
fsr-3449	145	2	details	detail	NOUN
fsr-3449	145	3	of	of	ADP
fsr-3449	145	4	the	the	DET
fsr-3449	145	5	psychographics	psychographic	NOUN
fsr-3449	145	6	of	of	ADP
fsr-3449	145	7	the	the	DET
fsr-3449	145	8	respondents	respondent	NOUN
fsr-3449	145	9	are	be	AUX
fsr-3449	145	10	shown	show	VERB
fsr-3449	145	11	in	in	ADP
fsr-3449	145	12	the	the	DET
fsr-3449	145	13	next	next	ADJ
fsr-3449	145	14	section	section	NOUN
fsr-3449	145	15	.	.	PUNCT
fsr-3449	146	1	in	in	ADP
fsr-3449	146	2	this	this	DET
fsr-3449	146	3	study	study	NOUN
fsr-3449	146	4	,	,	PUNCT
fsr-3449	146	5	a	a	DET
fsr-3449	146	6	four	four	NUM
fsr-3449	146	7	subsample	subsample	ADJ
fsr-3449	146	8	analysis	analysis	NOUN
fsr-3449	146	9	was	be	AUX
fsr-3449	146	10	conducted	conduct	VERB
fsr-3449	146	11	based	base	VERB
fsr-3449	146	12	on	on	ADP
fsr-3449	146	13	the	the	DET
fsr-3449	146	14	type	type	NOUN
fsr-3449	146	15	of	of	ADP
fsr-3449	146	16	life	life	NOUN
fsr-3449	146	17	insurance	insurance	NOUN
fsr-3449	146	18	ownership	ownership	NOUN
fsr-3449	146	19	.	.	PUNCT
fsr-3449	147	1	specifically	specifically	ADV
fsr-3449	147	2	,	,	PUNCT
fsr-3449	147	3	out	out	ADP
fsr-3449	147	4	of	of	ADP
fsr-3449	147	5	the	the	DET
fsr-3449	147	6	total	total	ADJ
fsr-3449	147	7	sample	sample	NOUN
fsr-3449	147	8	(	(	PUNCT
fsr-3449	147	9	n¼	n¼	NOUN
fsr-3449	147	10	997	997	NUM
fsr-3449	147	11	)	)	PUNCT
fsr-3449	147	12	,	,	PUNCT
fsr-3449	147	13	521	521	NUM
fsr-3449	147	14	respondents	respondent	NOUN
fsr-3449	147	15	answered	answer	VERB
fsr-3449	147	16	that	that	SCONJ
fsr-3449	147	17	they	they	PRON
fsr-3449	147	18	did	do	AUX
fsr-3449	147	19	not	not	PART
fsr-3449	147	20	have	have	VERB
fsr-3449	147	21	any	any	DET
fsr-3449	147	22	term	term	NOUN
fsr-3449	147	23	life	life	NOUN
fsr-3449	147	24	insurance	insurance	NOUN
fsr-3449	147	25	or	or	CCONJ
fsr-3449	147	26	cash	cash	NOUN
fsr-3449	147	27	value	value	NOUN
fsr-3449	147	28	life	life	NOUN
fsr-3449	147	29	insurance	insurance	NOUN
fsr-3449	147	30	.	.	PUNCT
fsr-3449	148	1	among	among	ADP
fsr-3449	148	2	the	the	DET
fsr-3449	148	3	476	476	NUM
fsr-3449	148	4	respondents	respondent	NOUN
fsr-3449	148	5	who	who	PRON
fsr-3449	148	6	had	have	VERB
fsr-3449	148	7	either	either	CCONJ
fsr-3449	148	8	term	term	NOUN
fsr-3449	148	9	or	or	CCONJ
fsr-3449	148	10	cash	cash	NOUN
fsr-3449	148	11	value	value	NOUN
fsr-3449	148	12	life	life	NOUN
fsr-3449	148	13	insurance	insurance	NOUN
fsr-3449	148	14	,	,	PUNCT
fsr-3449	148	15	227	227	NUM
fsr-3449	148	16	respondents	respondent	NOUN
fsr-3449	148	17	reported	report	VERB
fsr-3449	148	18	that	that	SCONJ
fsr-3449	148	19	they	they	PRON
fsr-3449	148	20	only	only	ADV
fsr-3449	148	21	had	have	VERB
fsr-3449	148	22	term	term	NOUN
fsr-3449	148	23	life	life	NOUN
fsr-3449	148	24	insurance	insurance	NOUN
fsr-3449	148	25	,	,	PUNCT
fsr-3449	148	26	whereas	whereas	SCONJ
fsr-3449	148	27	89	89	NUM
fsr-3449	148	28	respondents	respondent	NOUN
fsr-3449	148	29	reported	report	VERB
fsr-3449	148	30	that	that	SCONJ
fsr-3449	148	31	they	they	PRON
fsr-3449	148	32	only	only	ADV
fsr-3449	148	33	had	have	VERB
fsr-3449	148	34	cash	cash	NOUN
fsr-3449	148	35	value	value	NOUN
fsr-3449	148	36	life	life	NOUN
fsr-3449	148	37	insurance	insurance	NOUN
fsr-3449	148	38	.	.	PUNCT
fsr-3449	149	1	lastly	lastly	ADV
fsr-3449	149	2	,	,	PUNCT
fsr-3449	149	3	160	160	NUM
fsr-3449	149	4	respondents	respondent	NOUN
fsr-3449	149	5	answered	answer	VERB
fsr-3449	149	6	that	that	SCONJ
fsr-3449	149	7	they	they	PRON
fsr-3449	149	8	had	have	VERB
fsr-3449	149	9	both	both	PRON
fsr-3449	149	10	term	term	NOUN
fsr-3449	149	11	life	life	NOUN
fsr-3449	149	12	insurance	insurance	NOUN
fsr-3449	149	13	and	and	CCONJ
fsr-3449	149	14	cash	cash	NOUN
fsr-3449	149	15	value	value	NOUN
fsr-3449	149	16	life	life	NOUN
fsr-3449	149	17	insurance	insurance	NOUN
fsr-3449	149	18	.	.	PUNCT
fsr-3449	150	1	to	to	PART
fsr-3449	150	2	answer	answer	VERB
fsr-3449	150	3	the	the	DET
fsr-3449	150	4	research	research	NOUN
fsr-3449	150	5	question	question	NOUN
fsr-3449	150	6	,	,	PUNCT
fsr-3449	150	7	this	this	DET
fsr-3449	150	8	study	study	NOUN
fsr-3449	150	9	utilized	utilize	VERB
fsr-3449	150	10	four	four	NUM
fsr-3449	150	11	logistic	logistic	ADJ
fsr-3449	150	12	regression	regression	NOUN
fsr-3449	150	13	analyses	analysis	NOUN
fsr-3449	150	14	to	to	PART
fsr-3449	150	15	investigate	investigate	VERB
fsr-3449	150	16	the	the	DET
fsr-3449	150	17	marginal	marginal	ADJ
fsr-3449	150	18	effect	effect	NOUN
fsr-3449	150	19	of	of	ADP
fsr-3449	150	20	each	each	DET
fsr-3449	150	21	influential	influential	ADJ
fsr-3449	150	22	factor	factor	NOUN
fsr-3449	150	23	on	on	ADP
fsr-3449	150	24	the	the	DET
fsr-3449	150	25	demand	demand	NOUN
fsr-3449	150	26	for	for	ADP
fsr-3449	150	27	life	life	NOUN
fsr-3449	150	28	insurance	insurance	NOUN
fsr-3449	150	29	by	by	ADP
fsr-3449	150	30	type	type	NOUN
fsr-3449	150	31	.	.	PUNCT
fsr-3449	151	1	the	the	DET
fsr-3449	151	2	dependent	dependent	ADJ
fsr-3449	151	3	variables	variable	NOUN
fsr-3449	151	4	were	be	AUX
fsr-3449	151	5	binary	binary	ADJ
fsr-3449	151	6	indicators	indicator	NOUN
fsr-3449	151	7	of	of	ADP
fsr-3449	151	8	whether	whether	SCONJ
fsr-3449	151	9	or	or	CCONJ
fsr-3449	151	10	not	not	PART
fsr-3449	151	11	the	the	DET
fsr-3449	151	12	respondent	respondent	NOUN
fsr-3449	151	13	had	have	AUX
fsr-3449	151	14	a	a	DET
fsr-3449	151	15	life	life	NOUN
fsr-3449	151	16	insurance	insurance	NOUN
fsr-3449	151	17	policy	policy	NOUN
fsr-3449	151	18	:	:	PUNCT
fsr-3449	151	19	(	(	PUNCT
fsr-3449	151	20	a	a	X
fsr-3449	151	21	)	)	PUNCT
fsr-3449	151	22	not	not	PART
fsr-3449	151	23	having	have	VERB
fsr-3449	151	24	any	any	DET
fsr-3449	151	25	term	term	NOUN
fsr-3449	151	26	life	life	NOUN
fsr-3449	151	27	insurance	insurance	NOUN
fsr-3449	151	28	or	or	CCONJ
fsr-3449	151	29	cash	cash	NOUN
fsr-3449	151	30	value	value	NOUN
fsr-3449	151	31	life	life	NOUN
fsr-3449	151	32	insurance	insurance	NOUN
fsr-3449	151	33	;	;	PUNCT
fsr-3449	151	34	(	(	PUNCT
fsr-3449	151	35	b	b	X
fsr-3449	151	36	)	)	PUNCT
fsr-3449	151	37	having	have	VERB
fsr-3449	151	38	term	term	NOUN
fsr-3449	151	39	life	life	NOUN
fsr-3449	151	40	insurance	insurance	NOUN
fsr-3449	151	41	policy	policy	NOUN
fsr-3449	151	42	only	only	ADV
fsr-3449	151	43	;	;	PUNCT
fsr-3449	151	44	(	(	PUNCT
fsr-3449	151	45	c	c	X
fsr-3449	151	46	)	)	PUNCT
fsr-3449	151	47	having	have	VERB
fsr-3449	151	48	cash	cash	NOUN
fsr-3449	151	49	value	value	NOUN
fsr-3449	151	50	life	life	NOUN
fsr-3449	151	51	insurance	insurance	NOUN
fsr-3449	151	52	policy	policy	NOUN
fsr-3449	151	53	only	only	ADV
fsr-3449	151	54	;	;	PUNCT
fsr-3449	151	55	and	and	CCONJ
fsr-3449	151	56	(	(	PUNCT
fsr-3449	151	57	d	d	X
fsr-3449	151	58	)	)	PUNCT
fsr-3449	151	59	having	have	VERB
fsr-3449	151	60	both	both	PRON
fsr-3449	151	61	term	term	NOUN
fsr-3449	151	62	life	life	NOUN
fsr-3449	151	63	insurance	insurance	NOUN
fsr-3449	151	64	policy	policy	NOUN
fsr-3449	151	65	and	and	CCONJ
fsr-3449	151	66	cash	cash	NOUN
fsr-3449	151	67	value	value	NOUN
fsr-3449	151	68	life	life	NOUN
fsr-3449	151	69	insurance	insurance	NOUN
fsr-3449	151	70	policy	policy	NOUN
fsr-3449	151	71	.	.	PUNCT
fsr-3449	152	1	thus	thus	ADV
fsr-3449	152	2	,	,	PUNCT
fsr-3449	152	3	the	the	DET
fsr-3449	152	4	marginal	marginal	ADJ
fsr-3449	152	5	effects	effect	NOUN
fsr-3449	152	6	of	of	ADP
fsr-3449	152	7	the	the	DET
fsr-3449	152	8	influential	influential	ADJ
fsr-3449	152	9	factors	factor	NOUN
fsr-3449	152	10	were	be	AUX
fsr-3449	152	11	checked	check	VERB
fsr-3449	152	12	against	against	ADP
fsr-3449	152	13	the	the	DET
fsr-3449	152	14	odds	odd	NOUN
fsr-3449	152	15	ratio	ratio	NOUN
fsr-3449	152	16	,	,	PUNCT
fsr-3449	152	17	which	which	PRON
fsr-3449	152	18	was	be	AUX
fsr-3449	152	19	calculated	calculate	VERB
fsr-3449	152	20	by	by	ADP
fsr-3449	152	21	the	the	DET
fsr-3449	152	22	probability	probability	NOUN
fsr-3449	152	23	of	of	ADP
fsr-3449	152	24	“	"	PUNCT
fsr-3449	152	25	having	have	VERB
fsr-3449	152	26	life	life	NOUN
fsr-3449	152	27	insurance	insurance	NOUN
fsr-3449	152	28	”	"	PUNCT
fsr-3449	152	29	versus	versus	ADP
fsr-3449	152	30	“	"	PUNCT
fsr-3449	152	31	not	not	PART
fsr-3449	152	32	having	have	VERB
fsr-3449	152	33	life	life	NOUN
fsr-3449	152	34	insurance	insurance	NOUN
fsr-3449	152	35	,	,	PUNCT
fsr-3449	152	36	”	"	PUNCT
fsr-3449	152	37	so	so	SCONJ
fsr-3449	152	38	that	that	SCONJ
fsr-3449	152	39	the	the	DET
fsr-3449	152	40	odds	odd	NOUN
fsr-3449	152	41	ratio	ratio	NOUN
fsr-3449	152	42	of	of	ADP
fsr-3449	152	43	each	each	DET
fsr-3449	152	44	factor	factor	NOUN
fsr-3449	152	45	in	in	ADP
fsr-3449	152	46	the	the	DET
fsr-3449	152	47	model	model	NOUN
fsr-3449	152	48	denotes	denote	VERB
fsr-3449	152	49	the	the	DET
fsr-3449	152	50	tendency	tendency	NOUN
fsr-3449	152	51	of	of	ADP
fsr-3449	152	52	having	have	VERB
fsr-3449	152	53	life	life	NOUN
fsr-3449	152	54	insurance	insurance	NOUN
fsr-3449	152	55	influenced	influence	VERB
fsr-3449	152	56	by	by	ADP
fsr-3449	152	57	the	the	DET
fsr-3449	152	58	factor	factor	NOUN
fsr-3449	152	59	.	.	PUNCT
fsr-3449	153	1	108	108	NUM
fsr-3449	153	2	w.	w.	PROPN
fsr-3449	153	3	heo	heo	PROPN
fsr-3449	153	4	et	et	PROPN
fsr-3449	153	5	al	al	PROPN
fsr-3449	153	6	.	.	PUNCT
fsr-3449	153	7	/	/	SYM
fsr-3449	153	8	financial	financial	ADJ
fsr-3449	153	9	services	service	NOUN
fsr-3449	153	10	review	review	VERB
fsr-3449	153	11	29	29	NUM
fsr-3449	153	12	(	(	PUNCT
fsr-3449	153	13	2021	2021	NUM
fsr-3449	153	14	)	)	PUNCT
fsr-3449	153	15	101–119	101–119	NUM
fsr-3449	153	16	to	to	PART
fsr-3449	153	17	ensure	ensure	VERB
fsr-3449	153	18	the	the	DET
fsr-3449	153	19	robustness	robustness	NOUN
fsr-3449	153	20	of	of	ADP
fsr-3449	153	21	the	the	DET
fsr-3449	153	22	estimation	estimation	NOUN
fsr-3449	153	23	,	,	PUNCT
fsr-3449	153	24	a	a	DET
fsr-3449	153	25	seemingly	seemingly	ADV
fsr-3449	153	26	unrelated	unrelated	ADJ
fsr-3449	153	27	estimation	estimation	NOUN
fsr-3449	153	28	method	method	NOUN
fsr-3449	153	29	was	be	AUX
fsr-3449	153	30	utilized	utilize	VERB
fsr-3449	153	31	when	when	SCONJ
fsr-3449	153	32	executing	execute	VERB
fsr-3449	153	33	four	four	NUM
fsr-3449	153	34	logistic	logistic	ADJ
fsr-3449	153	35	regression	regression	NOUN
fsr-3449	153	36	models	model	NOUN
fsr-3449	153	37	.	.	PUNCT
fsr-3449	154	1	specifically	specifically	ADV
fsr-3449	154	2	,	,	PUNCT
fsr-3449	154	3	seemingly	seemingly	ADV
fsr-3449	154	4	unrelated	unrelated	ADJ
fsr-3449	154	5	estimation	estimation	NOUN
fsr-3449	154	6	executed	execute	VERB
fsr-3449	154	7	multiple	multiple	ADJ
fsr-3449	154	8	models	model	NOUN
fsr-3449	154	9	promptly	promptly	ADV
fsr-3449	154	10	,	,	PUNCT
fsr-3449	154	11	considering	consider	VERB
fsr-3449	154	12	the	the	DET
fsr-3449	154	13	covariances	covariance	NOUN
fsr-3449	154	14	and	and	CCONJ
fsr-3449	154	15	distribution	distribution	NOUN
fsr-3449	154	16	simultaneously	simultaneously	ADV
fsr-3449	154	17	(	(	PUNCT
fsr-3449	154	18	rogers	roger	NOUN
fsr-3449	154	19	,	,	PUNCT
fsr-3449	154	20	1993	1993	NUM
fsr-3449	154	21	;	;	PUNCT
fsr-3449	154	22	white	white	ADJ
fsr-3449	154	23	,	,	PUNCT
fsr-3449	154	24	1982	1982	NUM
fsr-3449	154	25	)	)	PUNCT
fsr-3449	154	26	.	.	PUNCT
fsr-3449	155	1	by	by	ADP
fsr-3449	155	2	using	use	VERB
fsr-3449	155	3	stata	stata	NOUN
fsr-3449	155	4	15.0	15.0	NUM
fsr-3449	155	5	with	with	ADP
fsr-3449	155	6	a	a	DET
fsr-3449	155	7	reliable	reliable	ADJ
fsr-3449	155	8	code	code	NOUN
fsr-3449	155	9	(	(	PUNCT
fsr-3449	155	10	i.e.	i.e.	X
fsr-3449	155	11	,	,	PUNCT
fsr-3449	155	12	suest	suest	NOUN
fsr-3449	155	13	)	)	PUNCT
fsr-3449	155	14	for	for	ADP
fsr-3449	155	15	seemingly	seemingly	ADV
fsr-3449	155	16	unrelated	unrelated	ADJ
fsr-3449	155	17	estimation	estimation	NOUN
fsr-3449	155	18	(	(	PUNCT
fsr-3449	155	19	weesie	weesie	NOUN
fsr-3449	155	20	,	,	PUNCT
fsr-3449	155	21	1999	1999	NUM
fsr-3449	155	22	)	)	PUNCT
fsr-3449	155	23	,	,	PUNCT
fsr-3449	155	24	four	four	NUM
fsr-3449	155	25	logistic	logistic	ADJ
fsr-3449	155	26	models	model	NOUN
fsr-3449	155	27	were	be	AUX
fsr-3449	155	28	simultaneously	simultaneously	ADV
fsr-3449	155	29	executed	execute	VERB
fsr-3449	155	30	for	for	ADP
fsr-3449	155	31	the	the	DET
fsr-3449	155	32	robustness	robustness	NOUN
fsr-3449	155	33	of	of	ADP
fsr-3449	155	34	the	the	DET
fsr-3449	155	35	model	model	NOUN
fsr-3449	155	36	results	result	NOUN
fsr-3449	155	37	.	.	PUNCT
fsr-3449	156	1	in	in	ADP
fsr-3449	156	2	addition	addition	NOUN
fsr-3449	156	3	,	,	PUNCT
fsr-3449	156	4	the	the	DET
fsr-3449	156	5	significance	significance	NOUN
fsr-3449	156	6	criterion	criterion	NOUN
fsr-3449	156	7	was	be	AUX
fsr-3449	156	8	set	set	VERB
fsr-3449	156	9	as	as	ADP
fsr-3449	156	10	alpha¼	alpha¼	NOUN
fsr-3449	156	11	10	10	NUM
fsr-3449	156	12	%	%	NOUN
fsr-3449	156	13	(	(	PUNCT
fsr-3449	156	14	p	p	X
fsr-3449	156	15	<	<	X
fsr-3449	156	16	.10	.10	NUM
fsr-3449	156	17	)	)	PUNCT
fsr-3449	156	18	because	because	SCONJ
fsr-3449	156	19	the	the	DET
fsr-3449	156	20	sample	sample	NOUN
fsr-3449	156	21	size	size	NOUN
fsr-3449	156	22	of	of	ADP
fsr-3449	156	23	each	each	DET
fsr-3449	156	24	subsample	subsample	NOUN
fsr-3449	156	25	was	be	AUX
fsr-3449	156	26	relatively	relatively	ADV
fsr-3449	156	27	small	small	ADJ
fsr-3449	156	28	,	,	PUNCT
fsr-3449	156	29	such	such	ADJ
fsr-3449	156	30	as	as	ADP
fsr-3449	156	31	227	227	NUM
fsr-3449	156	32	,	,	PUNCT
fsr-3449	156	33	89	89	NUM
fsr-3449	156	34	,	,	PUNCT
fsr-3449	156	35	and	and	CCONJ
fsr-3449	156	36	160	160	NUM
fsr-3449	156	37	.	.	PUNCT
fsr-3449	157	1	when	when	SCONJ
fsr-3449	157	2	the	the	DET
fsr-3449	157	3	sample	sample	NOUN
fsr-3449	157	4	size	size	NOUN
fsr-3449	157	5	is	be	AUX
fsr-3449	157	6	small	small	ADJ
fsr-3449	157	7	,	,	PUNCT
fsr-3449	157	8	there	there	PRON
fsr-3449	157	9	is	be	VERB
fsr-3449	157	10	a	a	DET
fsr-3449	157	11	tendency	tendency	NOUN
fsr-3449	157	12	that	that	DET
fsr-3449	157	13	type	type	NOUN
fsr-3449	157	14	ii	ii	NOUN
fsr-3449	157	15	error	error	NOUN
fsr-3449	157	16	increases	increase	NOUN
fsr-3449	157	17	(	(	PUNCT
fsr-3449	157	18	banerjee	banerjee	PROPN
fsr-3449	157	19	,	,	PUNCT
fsr-3449	157	20	chitnis	chitnis	PROPN
fsr-3449	157	21	,	,	PUNCT
fsr-3449	157	22	jadhiv	jadhiv	PROPN
fsr-3449	157	23	,	,	PUNCT
fsr-3449	157	24	bhawalkar	bhawalkar	NOUN
fsr-3449	157	25	,	,	PUNCT
fsr-3449	157	26	&	&	CCONJ
fsr-3449	157	27	chaudhury	chaudhury	PROPN
fsr-3449	157	28	,	,	PUNCT
fsr-3449	157	29	2009	2009	NUM
fsr-3449	157	30	)	)	PUNCT
fsr-3449	157	31	.	.	PUNCT
fsr-3449	158	1	when	when	SCONJ
fsr-3449	158	2	alpha	alpha	NOUN
fsr-3449	158	3	is	be	AUX
fsr-3449	158	4	strict	strict	ADJ
fsr-3449	158	5	to	to	ADP
fsr-3449	158	6	5	5	NUM
fsr-3449	158	7	%	%	NOUN
fsr-3449	158	8	(	(	PUNCT
fsr-3449	158	9	p	p	X
fsr-3449	158	10	<	<	X
fsr-3449	158	11	.05	.05	NUM
fsr-3449	158	12	)	)	PUNCT
fsr-3449	158	13	,	,	PUNCT
fsr-3449	158	14	a	a	DET
fsr-3449	158	15	small	small	ADJ
fsr-3449	158	16	sample	sample	NOUN
fsr-3449	158	17	size	size	NOUN
fsr-3449	158	18	is	be	AUX
fsr-3449	158	19	more	more	ADV
fsr-3449	158	20	likely	likely	ADJ
fsr-3449	158	21	to	to	PART
fsr-3449	158	22	produce	produce	VERB
fsr-3449	158	23	insignificant	insignificant	ADJ
fsr-3449	158	24	results	result	NOUN
fsr-3449	158	25	,	,	PUNCT
fsr-3449	158	26	even	even	ADV
fsr-3449	158	27	though	though	SCONJ
fsr-3449	158	28	they	they	PRON
fsr-3449	158	29	are	be	AUX
fsr-3449	158	30	significant	significant	ADJ
fsr-3449	158	31	.	.	PUNCT
fsr-3449	159	1	therefore	therefore	ADV
fsr-3449	159	2	,	,	PUNCT
fsr-3449	159	3	in	in	ADP
fsr-3449	159	4	this	this	DET
fsr-3449	159	5	study	study	NOUN
fsr-3449	159	6	,	,	PUNCT
fsr-3449	159	7	the	the	DET
fsr-3449	159	8	alpha	alpha	NOUN
fsr-3449	159	9	level	level	NOUN
fsr-3449	159	10	was	be	AUX
fsr-3449	159	11	set	set	VERB
fsr-3449	159	12	at	at	ADP
fsr-3449	159	13	10	10	NUM
fsr-3449	159	14	%	%	NOUN
fsr-3449	159	15	(	(	PUNCT
fsr-3449	159	16	p	p	X
fsr-3449	159	17	<	<	X
fsr-3449	159	18	.10	.10	NUM
fsr-3449	159	19	)	)	PUNCT
fsr-3449	159	20	.	.	PUNCT
fsr-3449	160	1	3.2	3.2	NUM
fsr-3449	160	2	.	.	PUNCT
fsr-3449	161	1	variables	variable	NOUN
fsr-3449	161	2	we	we	PRON
fsr-3449	161	3	used	use	VERB
fsr-3449	161	4	four	four	NUM
fsr-3449	161	5	dependent	dependent	ADJ
fsr-3449	161	6	variables	variable	NOUN
fsr-3449	161	7	:	:	PUNCT
fsr-3449	161	8	(	(	PUNCT
fsr-3449	161	9	a	a	X
fsr-3449	161	10	)	)	PUNCT
fsr-3449	161	11	not	not	PART
fsr-3449	161	12	having	have	VERB
fsr-3449	161	13	any	any	DET
fsr-3449	161	14	term	term	NOUN
fsr-3449	161	15	life	life	NOUN
fsr-3449	161	16	insurance	insurance	NOUN
fsr-3449	161	17	or	or	CCONJ
fsr-3449	161	18	cash	cash	NOUN
fsr-3449	161	19	value	value	NOUN
fsr-3449	161	20	life	life	NOUN
fsr-3449	161	21	insurance	insurance	NOUN
fsr-3449	161	22	;	;	PUNCT
fsr-3449	161	23	(	(	PUNCT
fsr-3449	161	24	b	b	X
fsr-3449	161	25	)	)	PUNCT
fsr-3449	161	26	having	have	VERB
fsr-3449	161	27	term	term	NOUN
fsr-3449	161	28	life	life	NOUN
fsr-3449	161	29	insurance	insurance	NOUN
fsr-3449	161	30	policy	policy	NOUN
fsr-3449	161	31	only	only	ADV
fsr-3449	161	32	;	;	PUNCT
fsr-3449	161	33	(	(	PUNCT
fsr-3449	161	34	c	c	X
fsr-3449	161	35	)	)	PUNCT
fsr-3449	161	36	having	have	VERB
fsr-3449	161	37	cash	cash	NOUN
fsr-3449	161	38	value	value	NOUN
fsr-3449	161	39	life	life	NOUN
fsr-3449	161	40	insurance	insurance	NOUN
fsr-3449	161	41	policy	policy	NOUN
fsr-3449	161	42	only	only	ADV
fsr-3449	161	43	;	;	PUNCT
fsr-3449	161	44	and	and	CCONJ
fsr-3449	161	45	(	(	PUNCT
fsr-3449	161	46	d	d	X
fsr-3449	161	47	)	)	PUNCT
fsr-3449	161	48	having	have	VERB
fsr-3449	161	49	both	both	PRON
fsr-3449	161	50	term	term	NOUN
fsr-3449	161	51	life	life	NOUN
fsr-3449	161	52	insurance	insurance	NOUN
fsr-3449	161	53	policy	policy	NOUN
fsr-3449	161	54	and	and	CCONJ
fsr-3449	161	55	cash	cash	NOUN
fsr-3449	161	56	value	value	NOUN
fsr-3449	161	57	life	life	NOUN
fsr-3449	161	58	insurance	insurance	NOUN
fsr-3449	161	59	policy	policy	NOUN
fsr-3449	161	60	.	.	PUNCT
fsr-3449	162	1	the	the	DET
fsr-3449	162	2	dependent	dependent	ADJ
fsr-3449	162	3	variable	variable	NOUN
fsr-3449	162	4	was	be	AUX
fsr-3449	162	5	measured	measure	VERB
fsr-3449	162	6	as	as	ADP
fsr-3449	162	7	a	a	DET
fsr-3449	162	8	dichotomous	dichotomous	ADJ
fsr-3449	162	9	variable	variable	NOUN
fsr-3449	162	10	(	(	PUNCT
fsr-3449	162	11	yes	yes	INTJ
fsr-3449	162	12	or	or	CCONJ
fsr-3449	162	13	no	no	NOUN
fsr-3449	162	14	)	)	PUNCT
fsr-3449	162	15	based	base	VERB
fsr-3449	162	16	on	on	ADP
fsr-3449	162	17	the	the	DET
fsr-3449	162	18	answer	answer	NOUN
fsr-3449	162	19	to	to	ADP
fsr-3449	162	20	the	the	DET
fsr-3449	162	21	question	question	NOUN
fsr-3449	162	22	that	that	PRON
fsr-3449	162	23	follows	follow	VERB
fsr-3449	162	24	this	this	DET
fsr-3449	162	25	brief	brief	ADJ
fsr-3449	162	26	explanation	explanation	NOUN
fsr-3449	162	27	:	:	PUNCT
fsr-3449	162	28	“	"	PUNCT
fsr-3449	162	29	the	the	DET
fsr-3449	162	30	two	two	NUM
fsr-3449	162	31	major	major	ADJ
fsr-3449	162	32	types	type	NOUN
fsr-3449	162	33	of	of	ADP
fsr-3449	162	34	life	life	NOUN
fsr-3449	162	35	insurance	insurance	NOUN
fsr-3449	162	36	are	be	AUX
fsr-3449	162	37	term	term	NOUN
fsr-3449	162	38	and	and	CCONJ
fsr-3449	162	39	cash	cash	NOUN
fsr-3449	162	40	value	value	NOUN
fsr-3449	162	41	policies	policy	NOUN
fsr-3449	162	42	.	.	PUNCT
fsr-3449	163	1	term	term	NOUN
fsr-3449	163	2	policies	policy	NOUN
fsr-3449	163	3	pay	pay	VERB
fsr-3449	163	4	a	a	DET
fsr-3449	163	5	benefit	benefit	NOUN
fsr-3449	163	6	if	if	SCONJ
fsr-3449	163	7	the	the	DET
fsr-3449	163	8	insured	insured	ADJ
fsr-3449	163	9	person	person	NOUN
fsr-3449	163	10	dies	die	VERB
fsr-3449	163	11	,	,	PUNCT
fsr-3449	163	12	but	but	CCONJ
fsr-3449	163	13	otherwise	otherwise	ADV
fsr-3449	163	14	,	,	PUNCT
fsr-3449	163	15	they	they	PRON
fsr-3449	163	16	have	have	VERB
fsr-3449	163	17	no	no	DET
fsr-3449	163	18	value	value	NOUN
fsr-3449	163	19	.	.	PUNCT
fsr-3449	164	1	they	they	PRON
fsr-3449	164	2	are	be	AUX
fsr-3449	164	3	often	often	ADV
fsr-3449	164	4	provided	provide	VERB
fsr-3449	164	5	through	through	ADP
fsr-3449	164	6	an	an	DET
fsr-3449	164	7	employer	employer	NOUN
fsr-3449	164	8	or	or	CCONJ
fsr-3449	164	9	union	union	NOUN
fsr-3449	164	10	,	,	PUNCT
fsr-3449	164	11	but	but	CCONJ
fsr-3449	164	12	they	they	PRON
fsr-3449	164	13	may	may	AUX
fsr-3449	164	14	also	also	ADV
fsr-3449	164	15	be	be	AUX
fsr-3449	164	16	bought	buy	VERB
fsr-3449	164	17	by	by	ADP
fsr-3449	164	18	individuals	individual	NOUN
fsr-3449	164	19	.	.	PUNCT
fsr-3449	165	1	cash	cash	NOUN
fsr-3449	165	2	value	value	NOUN
fsr-3449	165	3	policies	policy	NOUN
fsr-3449	165	4	also	also	ADV
fsr-3449	165	5	pay	pay	VERB
fsr-3449	165	6	death	death	NOUN
fsr-3449	165	7	benefits	benefit	NOUN
fsr-3449	165	8	,	,	PUNCT
fsr-3449	165	9	but	but	CCONJ
fsr-3449	165	10	differ	differ	VERB
fsr-3449	165	11	in	in	ADP
fsr-3449	165	12	that	that	SCONJ
fsr-3449	165	13	they	they	PRON
fsr-3449	165	14	build	build	VERB
fsr-3449	165	15	up	up	ADP
fsr-3449	165	16	value	value	NOUN
fsr-3449	165	17	as	as	SCONJ
fsr-3449	165	18	premiums	premium	NOUN
fsr-3449	165	19	are	be	AUX
fsr-3449	165	20	paid	pay	VERB
fsr-3449	165	21	.	.	PUNCT
fsr-3449	166	1	are	be	AUX
fsr-3449	166	2	any	any	PRON
fsr-3449	166	3	of	of	ADP
fsr-3449	166	4	your	your	PRON
fsr-3449	166	5	(	(	PUNCT
fsr-3449	166	6	or	or	CCONJ
fsr-3449	166	7	your	your	PRON
fsr-3449	166	8	spouse	spouse	NOUN
fsr-3449	166	9	/	/	SYM
fsr-3449	166	10	partner	partner	NOUN
fsr-3449	166	11	’s	’s	PART
fsr-3449	166	12	)	)	PUNCT
fsr-3449	166	13	policies	policy	NOUN
fsr-3449	166	14	term	term	NOUN
fsr-3449	166	15	insurance	insurance	NOUN
fsr-3449	166	16	?	?	PUNCT
fsr-3449	166	17	”	"	PUNCT
fsr-3449	167	1	the	the	DET
fsr-3449	167	2	other	other	ADJ
fsr-3449	167	3	dependent	dependent	ADJ
fsr-3449	167	4	variable	variable	NOUN
fsr-3449	167	5	was	be	AUX
fsr-3449	167	6	measured	measure	VERB
fsr-3449	167	7	as	as	ADP
fsr-3449	167	8	a	a	DET
fsr-3449	167	9	dichotomous	dichotomous	ADJ
fsr-3449	167	10	variable	variable	NOUN
fsr-3449	167	11	(	(	PUNCT
fsr-3449	167	12	yes	yes	INTJ
fsr-3449	167	13	or	or	CCONJ
fsr-3449	167	14	no	no	NOUN
fsr-3449	167	15	)	)	PUNCT
fsr-3449	167	16	by	by	ADP
fsr-3449	167	17	the	the	DET
fsr-3449	167	18	answer	answer	NOUN
fsr-3449	167	19	to	to	ADP
fsr-3449	167	20	the	the	DET
fsr-3449	167	21	following	follow	VERB
fsr-3449	167	22	question	question	NOUN
fsr-3449	167	23	:	:	PUNCT
fsr-3449	167	24	“	"	PUNCT
fsr-3449	167	25	do	do	AUX
fsr-3449	167	26	you	you	PRON
fsr-3449	167	27	(	(	PUNCT
fsr-3449	167	28	or	or	CCONJ
fsr-3449	167	29	your	your	PRON
fsr-3449	167	30	spouse	spouse	NOUN
fsr-3449	167	31	/	/	SYM
fsr-3449	167	32	partner	partner	NOUN
fsr-3449	167	33	)	)	PUNCT
fsr-3449	167	34	have	have	VERB
fsr-3449	167	35	any	any	DET
fsr-3449	167	36	policies	policy	NOUN
fsr-3449	167	37	that	that	PRON
fsr-3449	167	38	build	build	VERB
fsr-3449	167	39	up	up	ADP
fsr-3449	167	40	cash	cash	NOUN
fsr-3449	167	41	value	value	NOUN
fsr-3449	167	42	or	or	CCONJ
fsr-3449	167	43	that	that	SCONJ
fsr-3449	167	44	you	you	PRON
fsr-3449	167	45	can	can	AUX
fsr-3449	167	46	borrow	borrow	VERB
fsr-3449	167	47	on	on	ADP
fsr-3449	167	48	?	?	PUNCT
fsr-3449	168	1	these	these	PRON
fsr-3449	168	2	are	be	AUX
fsr-3449	168	3	sometimes	sometimes	ADV
fsr-3449	168	4	called	call	VERB
fsr-3449	168	5	‘	'	PUNCT
fsr-3449	168	6	whole	whole	ADJ
fsr-3449	168	7	life	life	NOUN
fsr-3449	168	8	,	,	PUNCT
fsr-3449	168	9	’	'	PUNCT
fsr-3449	168	10	‘	'	PUNCT
fsr-3449	168	11	straight	straight	ADJ
fsr-3449	168	12	life	life	NOUN
fsr-3449	168	13	,	,	PUNCT
fsr-3449	168	14	’	'	PUNCT
fsr-3449	168	15	or	or	CCONJ
fsr-3449	168	16	‘	'	PUNCT
fsr-3449	168	17	universal	universal	ADJ
fsr-3449	168	18	life	life	NOUN
fsr-3449	168	19	’	'	PUNCT
fsr-3449	168	20	policies	policy	NOUN
fsr-3449	168	21	.	.	PUNCT
fsr-3449	168	22	”	"	PUNCT
fsr-3449	169	1	finally	finally	ADV
fsr-3449	169	2	,	,	PUNCT
fsr-3449	169	3	the	the	DET
fsr-3449	169	4	answers	answer	NOUN
fsr-3449	169	5	to	to	ADP
fsr-3449	169	6	all	all	DET
fsr-3449	169	7	three	three	NUM
fsr-3449	169	8	questions	question	NOUN
fsr-3449	169	9	were	be	AUX
fsr-3449	169	10	coded	code	VERB
fsr-3449	169	11	as	as	ADP
fsr-3449	169	12	binary	binary	ADJ
fsr-3449	169	13	variables	variable	NOUN
fsr-3449	169	14	:	:	PUNCT
fsr-3449	169	15	“	"	PUNCT
fsr-3449	169	16	yes	yes	INTJ
fsr-3449	169	17	”	"	PUNCT
fsr-3449	169	18	was	be	AUX
fsr-3449	169	19	coded	code	VERB
fsr-3449	169	20	as	as	ADP
fsr-3449	169	21	1	1	NUM
fsr-3449	169	22	,	,	PUNCT
fsr-3449	169	23	and	and	CCONJ
fsr-3449	169	24	0	0	NUM
fsr-3449	169	25	otherwise	otherwise	ADV
fsr-3449	169	26	.	.	PUNCT
fsr-3449	170	1	the	the	DET
fsr-3449	170	2	key	key	ADJ
fsr-3449	170	3	independent	independent	ADJ
fsr-3449	170	4	variables	variable	NOUN
fsr-3449	170	5	in	in	ADP
fsr-3449	170	6	this	this	DET
fsr-3449	170	7	study	study	NOUN
fsr-3449	170	8	include	include	VERB
fsr-3449	170	9	financial	financial	ADJ
fsr-3449	170	10	status	status	NOUN
fsr-3449	170	11	characteristics	characteristic	NOUN
fsr-3449	170	12	,	,	PUNCT
fsr-3449	170	13	psychological	psychological	ADJ
fsr-3449	170	14	characteristics	characteristic	NOUN
fsr-3449	170	15	,	,	PUNCT
fsr-3449	170	16	and	and	CCONJ
fsr-3449	170	17	demographic	demographic	ADJ
fsr-3449	170	18	characteristics	characteristic	NOUN
fsr-3449	170	19	.	.	PUNCT
fsr-3449	171	1	as	as	SCONJ
fsr-3449	171	2	the	the	DET
fsr-3449	171	3	financial	financial	ADJ
fsr-3449	171	4	status	status	NOUN
fsr-3449	171	5	characteristics	characteristic	NOUN
fsr-3449	171	6	,	,	PUNCT
fsr-3449	171	7	a	a	DET
fsr-3449	171	8	net	net	ADJ
fsr-3449	171	9	balance	balance	NOUN
fsr-3449	171	10	of	of	ADP
fsr-3449	171	11	respondents	respondent	NOUN
fsr-3449	171	12	’	’	PART
fsr-3449	171	13	emergency	emergency	NOUN
fsr-3449	171	14	funds	fund	NOUN
fsr-3449	171	15	,	,	PUNCT
fsr-3449	171	16	financial	financial	ADJ
fsr-3449	171	17	risk	risk	NOUN
fsr-3449	171	18	tolerance	tolerance	NOUN
fsr-3449	171	19	,	,	PUNCT
fsr-3449	171	20	and	and	CCONJ
fsr-3449	171	21	subjective	subjective	ADJ
fsr-3449	171	22	financial	financial	ADJ
fsr-3449	171	23	knowledge	knowledge	NOUN
fsr-3449	171	24	were	be	AUX
fsr-3449	171	25	used	use	VERB
fsr-3449	171	26	.	.	PUNCT
fsr-3449	172	1	the	the	DET
fsr-3449	172	2	net	net	ADJ
fsr-3449	172	3	balance	balance	NOUN
fsr-3449	172	4	was	be	AUX
fsr-3449	172	5	measured	measure	VERB
fsr-3449	172	6	by	by	ADP
fsr-3449	172	7	a	a	DET
fsr-3449	172	8	categorical	categorical	ADJ
fsr-3449	172	9	variable	variable	NOUN
fsr-3449	172	10	:	:	PUNCT
fsr-3449	172	11	zero	zero	NUM
fsr-3449	172	12	net	net	ADJ
fsr-3449	172	13	balance	balance	NOUN
fsr-3449	172	14	,	,	PUNCT
fsr-3449	172	15	negative	negative	ADJ
fsr-3449	172	16	net	net	ADJ
fsr-3449	172	17	balance	balance	NOUN
fsr-3449	172	18	,	,	PUNCT
fsr-3449	172	19	and	and	CCONJ
fsr-3449	172	20	positive	positive	ADJ
fsr-3449	172	21	net	net	ADJ
fsr-3449	172	22	balance	balance	NOUN
fsr-3449	172	23	.	.	PUNCT
fsr-3449	173	1	the	the	DET
fsr-3449	173	2	ownership	ownership	NOUN
fsr-3449	173	3	of	of	ADP
fsr-3449	173	4	an	an	DET
fsr-3449	173	5	emergency	emergency	NOUN
fsr-3449	173	6	fund	fund	NOUN
fsr-3449	173	7	was	be	AUX
fsr-3449	173	8	measured	measure	VERB
fsr-3449	173	9	as	as	ADP
fsr-3449	173	10	a	a	DET
fsr-3449	173	11	binary	binary	ADJ
fsr-3449	173	12	question	question	NOUN
fsr-3449	173	13	,	,	PUNCT
fsr-3449	173	14	and	and	CCONJ
fsr-3449	173	15	these	these	DET
fsr-3449	173	16	two	two	NUM
fsr-3449	173	17	financial	financial	ADJ
fsr-3449	173	18	status	status	NOUN
fsr-3449	173	19	factors	factor	NOUN
fsr-3449	173	20	were	be	AUX
fsr-3449	173	21	coded	code	VERB
fsr-3449	173	22	as	as	ADP
fsr-3449	173	23	binary	binary	ADJ
fsr-3449	173	24	variables	variable	NOUN
fsr-3449	173	25	(	(	PUNCT
fsr-3449	173	26	yes¼	yes¼	PROPN
fsr-3449	173	27	1	1	NUM
fsr-3449	173	28	;	;	PUNCT
fsr-3449	173	29	no¼	no¼	PROPN
fsr-3449	173	30	0	0	NUM
fsr-3449	173	31	)	)	PUNCT
fsr-3449	173	32	.	.	PUNCT
fsr-3449	174	1	for	for	ADP
fsr-3449	174	2	financial	financial	ADJ
fsr-3449	174	3	risk	risk	NOUN
fsr-3449	174	4	tolerance	tolerance	NOUN
fsr-3449	174	5	,	,	PUNCT
fsr-3449	174	6	grable	grable	NOUN
fsr-3449	174	7	and	and	CCONJ
fsr-3449	174	8	lytton	lytton	PROPN
fsr-3449	174	9	’s	’s	PART
fsr-3449	174	10	13	13	NUM
fsr-3449	174	11	items	item	NOUN
fsr-3449	174	12	were	be	AUX
fsr-3449	174	13	used	use	VERB
fsr-3449	174	14	(	(	PUNCT
fsr-3449	174	15	grable	grable	PROPN
fsr-3449	174	16	&	&	CCONJ
fsr-3449	174	17	lytton	lytton	PROPN
fsr-3449	174	18	,	,	PUNCT
fsr-3449	174	19	1999	1999	NUM
fsr-3449	174	20	)	)	PUNCT
fsr-3449	174	21	,	,	PUNCT
fsr-3449	174	22	which	which	PRON
fsr-3449	174	23	were	be	AUX
fsr-3449	174	24	considered	consider	VERB
fsr-3449	174	25	to	to	PART
fsr-3449	174	26	be	be	AUX
fsr-3449	174	27	reliable	reliable	ADJ
fsr-3449	174	28	and	and	CCONJ
fsr-3449	174	29	valid	valid	ADJ
fsr-3449	174	30	measurements	measurement	NOUN
fsr-3449	174	31	for	for	ADP
fsr-3449	174	32	financial	financial	ADJ
fsr-3449	174	33	risk	risk	NOUN
fsr-3449	174	34	tolerance	tolerance	NOUN
fsr-3449	174	35	(	(	PUNCT
fsr-3449	174	36	grable	grable	NOUN
fsr-3449	174	37	,	,	PUNCT
fsr-3449	174	38	lyons	lyon	NOUN
fsr-3449	174	39	,	,	PUNCT
fsr-3449	174	40	&	&	CCONJ
fsr-3449	174	41	heo	heo	PROPN
fsr-3449	174	42	,	,	PUNCT
fsr-3449	174	43	2019	2019	NUM
fsr-3449	174	44	)	)	PUNCT
fsr-3449	174	45	.	.	PUNCT
fsr-3449	175	1	financial	financial	ADJ
fsr-3449	175	2	risk	risk	NOUN
fsr-3449	175	3	tolerance	tolerance	NOUN
fsr-3449	175	4	ranged	range	VERB
fsr-3449	175	5	from	from	ADP
fsr-3449	175	6	13	13	NUM
fsr-3449	175	7	points	point	NOUN
fsr-3449	175	8	to	to	ADP
fsr-3449	175	9	40	40	NUM
fsr-3449	175	10	points	point	NOUN
fsr-3449	175	11	,	,	PUNCT
fsr-3449	175	12	where	where	SCONJ
fsr-3449	175	13	the	the	DET
fsr-3449	175	14	lowest	low	ADJ
fsr-3449	175	15	number	number	NOUN
fsr-3449	175	16	meant	mean	VERB
fsr-3449	175	17	the	the	DET
fsr-3449	175	18	lowest	low	ADJ
fsr-3449	175	19	level	level	NOUN
fsr-3449	175	20	of	of	ADP
fsr-3449	175	21	financial	financial	ADJ
fsr-3449	175	22	risk	risk	NOUN
fsr-3449	175	23	tolerance	tolerance	NOUN
fsr-3449	175	24	.	.	PUNCT
fsr-3449	176	1	subjective	subjective	ADJ
fsr-3449	176	2	financial	financial	ADJ
fsr-3449	176	3	knowledge	knowledge	NOUN
fsr-3449	176	4	was	be	AUX
fsr-3449	176	5	measured	measure	VERB
fsr-3449	176	6	with	with	ADP
fsr-3449	176	7	a	a	DET
fsr-3449	176	8	question	question	NOUN
fsr-3449	176	9	regarding	regard	VERB
fsr-3449	176	10	the	the	DET
fsr-3449	176	11	self	self	NOUN
fsr-3449	176	12	-	-	PUNCT
fsr-3449	176	13	assessment	assessment	NOUN
fsr-3449	176	14	of	of	ADP
fsr-3449	176	15	one	one	NUM
fsr-3449	176	16	’s	’s	PART
fsr-3449	176	17	own	own	ADJ
fsr-3449	176	18	level	level	NOUN
fsr-3449	176	19	of	of	ADP
fsr-3449	176	20	financial	financial	ADJ
fsr-3449	176	21	knowledge	knowledge	NOUN
fsr-3449	176	22	,	,	PUNCT
fsr-3449	176	23	ranging	range	VERB
fsr-3449	176	24	from	from	ADP
fsr-3449	176	25	1	1	NUM
fsr-3449	176	26	point	point	NOUN
fsr-3449	176	27	(	(	PUNCT
fsr-3449	176	28	lowest	low	ADJ
fsr-3449	176	29	level	level	NOUN
fsr-3449	176	30	)	)	PUNCT
fsr-3449	176	31	to	to	ADP
fsr-3449	176	32	7	7	NUM
fsr-3449	176	33	points	point	NOUN
fsr-3449	176	34	(	(	PUNCT
fsr-3449	176	35	highest	high	ADJ
fsr-3449	176	36	level	level	NOUN
fsr-3449	176	37	)	)	PUNCT
fsr-3449	176	38	.	.	PUNCT
fsr-3449	177	1	the	the	DET
fsr-3449	177	2	psychological	psychological	ADJ
fsr-3449	177	3	characteristics	characteristic	NOUN
fsr-3449	177	4	include	include	VERB
fsr-3449	177	5	four	four	NUM
fsr-3449	177	6	variables	variable	NOUN
fsr-3449	177	7	:	:	PUNCT
fsr-3449	177	8	external	external	ADJ
fsr-3449	177	9	locus	locus	NOUN
fsr-3449	177	10	of	of	ADP
fsr-3449	177	11	control	control	NOUN
fsr-3449	177	12	,	,	PUNCT
fsr-3449	177	13	financial	financial	ADJ
fsr-3449	177	14	satisfaction	satisfaction	NOUN
fsr-3449	177	15	,	,	PUNCT
fsr-3449	177	16	financial	financial	ADJ
fsr-3449	177	17	self	self	NOUN
fsr-3449	177	18	-	-	PUNCT
fsr-3449	177	19	efficacy	efficacy	NOUN
fsr-3449	177	20	,	,	PUNCT
fsr-3449	177	21	and	and	CCONJ
fsr-3449	177	22	life	life	NOUN
fsr-3449	177	23	satisfaction	satisfaction	NOUN
fsr-3449	177	24	.	.	PUNCT
fsr-3449	178	1	external	external	ADJ
fsr-3449	178	2	locus	locus	NOUN
fsr-3449	178	3	of	of	ADP
fsr-3449	178	4	control	control	NOUN
fsr-3449	178	5	was	be	AUX
fsr-3449	178	6	w.	w.	PROPN
fsr-3449	178	7	heo	heo	PROPN
fsr-3449	178	8	et	et	PROPN
fsr-3449	178	9	al	al	PROPN
fsr-3449	178	10	.	.	PUNCT
fsr-3449	179	1	/	/	SYM
fsr-3449	179	2	financial	financial	ADJ
fsr-3449	179	3	services	service	NOUN
fsr-3449	179	4	review	review	VERB
fsr-3449	179	5	29	29	NUM
fsr-3449	179	6	(	(	PUNCT
fsr-3449	179	7	2021	2021	NUM
fsr-3449	179	8	)	)	PUNCT
fsr-3449	180	1	101–119	101–119	NUM
fsr-3449	180	2	109	109	NUM
fsr-3449	180	3	measured	measure	VERB
fsr-3449	180	4	by	by	ADP
fsr-3449	180	5	using	use	VERB
fsr-3449	180	6	eight	eight	NUM
fsr-3449	180	7	items	item	NOUN
fsr-3449	180	8	(	(	PUNCT
fsr-3449	180	9	perry	perry	PROPN
fsr-3449	180	10	&	&	CCONJ
fsr-3449	180	11	morrison	morrison	PROPN
fsr-3449	180	12	,	,	PUNCT
fsr-3449	180	13	2005	2005	NUM
fsr-3449	180	14	)	)	PUNCT
fsr-3449	180	15	that	that	SCONJ
fsr-3449	180	16	the	the	DET
fsr-3449	180	17	questionnaires	questionnaire	NOUN
fsr-3449	180	18	asked	ask	VERB
fsr-3449	180	19	to	to	PART
fsr-3449	180	20	answer	answer	VERB
fsr-3449	180	21	with	with	ADP
fsr-3449	180	22	a	a	DET
fsr-3449	180	23	5	5	NUM
fsr-3449	180	24	-	-	PUNCT
fsr-3449	180	25	point	point	NOUN
fsr-3449	180	26	scale	scale	NOUN
fsr-3449	180	27	(	(	PUNCT
fsr-3449	180	28	1¼	1¼	NUM
fsr-3449	180	29	almost	almost	ADV
fsr-3449	180	30	never	never	ADV
fsr-3449	180	31	,	,	PUNCT
fsr-3449	180	32	5¼	5¼	NUM
fsr-3449	180	33	almost	almost	ADV
fsr-3449	180	34	always	always	ADV
fsr-3449	180	35	)	)	PUNCT
fsr-3449	180	36	,	,	PUNCT
fsr-3449	180	37	so	so	SCONJ
fsr-3449	180	38	that	that	SCONJ
fsr-3449	180	39	the	the	DET
fsr-3449	180	40	maximum	maximum	ADJ
fsr-3449	180	41	number	number	NOUN
fsr-3449	180	42	of	of	ADP
fsr-3449	180	43	summing	sum	VERB
fsr-3449	180	44	the	the	DET
fsr-3449	180	45	eight	eight	NUM
fsr-3449	180	46	items	item	NOUN
fsr-3449	180	47	(	(	PUNCT
fsr-3449	180	48	i.e.	i.e.	X
fsr-3449	180	49	,	,	PUNCT
fsr-3449	180	50	40	40	NUM
fsr-3449	180	51	)	)	PUNCT
fsr-3449	180	52	denotes	denote	VERB
fsr-3449	180	53	the	the	DET
fsr-3449	180	54	highest	high	ADJ
fsr-3449	180	55	level	level	NOUN
fsr-3449	180	56	of	of	ADP
fsr-3449	180	57	external	external	ADJ
fsr-3449	180	58	locus	locus	NOUN
fsr-3449	180	59	of	of	ADP
fsr-3449	180	60	control	control	NOUN
fsr-3449	180	61	.	.	PUNCT
fsr-3449	181	1	otherwise	otherwise	ADV
fsr-3449	181	2	,	,	PUNCT
fsr-3449	181	3	the	the	DET
fsr-3449	181	4	minimum	minimum	ADJ
fsr-3449	181	5	number	number	NOUN
fsr-3449	181	6	of	of	ADP
fsr-3449	181	7	summing	sum	VERB
fsr-3449	181	8	the	the	DET
fsr-3449	181	9	eight	eight	NUM
fsr-3449	181	10	items	item	NOUN
fsr-3449	181	11	(	(	PUNCT
fsr-3449	181	12	i.e.	i.e.	X
fsr-3449	181	13	,	,	PUNCT
fsr-3449	181	14	8)	8)	NUM
fsr-3449	181	15	indicates	indicate	VERB
fsr-3449	181	16	the	the	DET
fsr-3449	181	17	lowest	low	ADJ
fsr-3449	181	18	level	level	NOUN
fsr-3449	181	19	of	of	ADP
fsr-3449	181	20	external	external	ADJ
fsr-3449	181	21	locus	locus	NOUN
fsr-3449	181	22	of	of	ADP
fsr-3449	181	23	control	control	NOUN
fsr-3449	181	24	.	.	PUNCT
fsr-3449	182	1	financial	financial	ADJ
fsr-3449	182	2	satisfaction	satisfaction	NOUN
fsr-3449	182	3	was	be	AUX
fsr-3449	182	4	measured	measure	VERB
fsr-3449	182	5	with	with	ADP
fsr-3449	182	6	seven	seven	NUM
fsr-3449	182	7	items	item	NOUN
fsr-3449	182	8	from	from	ADP
fsr-3449	182	9	loibl	loibl	PROPN
fsr-3449	182	10	&	&	CCONJ
fsr-3449	182	11	hira	hira	PROPN
fsr-3449	182	12	(	(	PUNCT
fsr-3449	182	13	2005	2005	NUM
fsr-3449	182	14	)	)	PUNCT
fsr-3449	182	15	,	,	PUNCT
fsr-3449	182	16	in	in	ADP
fsr-3449	182	17	which	which	PRON
fsr-3449	182	18	a	a	DET
fsr-3449	182	19	5	5	NUM
fsr-3449	182	20	-	-	PUNCT
fsr-3449	182	21	point	point	NOUN
fsr-3449	182	22	scale	scale	NOUN
fsr-3449	182	23	was	be	AUX
fsr-3449	182	24	utilized	utilize	VERB
fsr-3449	182	25	(	(	PUNCT
fsr-3449	182	26	1¼	1¼	NUM
fsr-3449	182	27	very	very	ADV
fsr-3449	182	28	dissatisfied	dissatisfied	ADJ
fsr-3449	182	29	,	,	PUNCT
fsr-3449	182	30	5¼	5¼	PRON
fsr-3449	182	31	very	very	ADV
fsr-3449	182	32	satisfied	satisfied	ADJ
fsr-3449	182	33	)	)	PUNCT
fsr-3449	182	34	.	.	PUNCT
fsr-3449	183	1	the	the	DET
fsr-3449	183	2	maximum	maximum	ADJ
fsr-3449	183	3	number	number	NOUN
fsr-3449	183	4	of	of	ADP
fsr-3449	183	5	summing	sum	VERB
fsr-3449	183	6	these	these	DET
fsr-3449	183	7	seven	seven	NUM
fsr-3449	183	8	items	item	NOUN
fsr-3449	183	9	(	(	PUNCT
fsr-3449	183	10	i.e.	i.e.	X
fsr-3449	183	11	,	,	PUNCT
fsr-3449	183	12	35	35	NUM
fsr-3449	183	13	)	)	PUNCT
fsr-3449	183	14	denotes	denote	VERB
fsr-3449	183	15	the	the	DET
fsr-3449	183	16	highest	high	ADJ
fsr-3449	183	17	level	level	NOUN
fsr-3449	183	18	of	of	ADP
fsr-3449	183	19	financial	financial	ADJ
fsr-3449	183	20	satisfaction	satisfaction	NOUN
fsr-3449	183	21	,	,	PUNCT
fsr-3449	183	22	while	while	SCONJ
fsr-3449	183	23	the	the	DET
fsr-3449	183	24	minimum	minimum	ADJ
fsr-3449	183	25	number	number	NOUN
fsr-3449	183	26	of	of	ADP
fsr-3449	183	27	summing	sum	VERB
fsr-3449	183	28	seven	seven	NUM
fsr-3449	183	29	items	item	NOUN
fsr-3449	183	30	(	(	PUNCT
fsr-3449	183	31	i.e.	i.e.	X
fsr-3449	183	32	,	,	PUNCT
fsr-3449	183	33	7	7	NUM
fsr-3449	183	34	)	)	PUNCT
fsr-3449	183	35	indicates	indicate	VERB
fsr-3449	183	36	the	the	DET
fsr-3449	183	37	lowest	low	ADJ
fsr-3449	183	38	level	level	NOUN
fsr-3449	183	39	of	of	ADP
fsr-3449	183	40	financial	financial	ADJ
fsr-3449	183	41	satisfaction	satisfaction	NOUN
fsr-3449	183	42	.	.	PUNCT
fsr-3449	184	1	in	in	ADP
fsr-3449	184	2	terms	term	NOUN
fsr-3449	184	3	of	of	ADP
fsr-3449	184	4	financial	financial	ADJ
fsr-3449	184	5	self	self	NOUN
fsr-3449	184	6	-	-	PUNCT
fsr-3449	184	7	efficacy	efficacy	NOUN
fsr-3449	184	8	,	,	PUNCT
fsr-3449	184	9	six	six	NUM
fsr-3449	184	10	items	item	NOUN
fsr-3449	184	11	were	be	AUX
fsr-3449	184	12	utilized	utilize	VERB
fsr-3449	184	13	from	from	ADP
fsr-3449	184	14	lown	lown	PROPN
fsr-3449	184	15	(	(	PUNCT
fsr-3449	184	16	2011	2011	NUM
fsr-3449	184	17	)	)	PUNCT
fsr-3449	184	18	,	,	PUNCT
fsr-3449	184	19	where	where	SCONJ
fsr-3449	184	20	a	a	DET
fsr-3449	184	21	5	5	NUM
fsr-3449	184	22	-	-	PUNCT
fsr-3449	184	23	point	point	NOUN
fsr-3449	184	24	scale	scale	NOUN
fsr-3449	184	25	was	be	AUX
fsr-3449	184	26	utilized	utilize	VERB
fsr-3449	184	27	(	(	PUNCT
fsr-3449	184	28	1¼	1¼	NUM
fsr-3449	184	29	strongly	strongly	ADV
fsr-3449	184	30	disagree	disagree	VERB
fsr-3449	184	31	,	,	PUNCT
fsr-3449	184	32	5¼	5¼	PRON
fsr-3449	184	33	strongly	strongly	ADV
fsr-3449	184	34	agree	agree	VERB
fsr-3449	184	35	)	)	PUNCT
fsr-3449	184	36	.	.	PUNCT
fsr-3449	185	1	the	the	DET
fsr-3449	185	2	maximum	maximum	ADJ
fsr-3449	185	3	number	number	NOUN
fsr-3449	185	4	of	of	ADP
fsr-3449	185	5	summing	sum	VERB
fsr-3449	185	6	these	these	DET
fsr-3449	185	7	six	six	NUM
fsr-3449	185	8	items	item	NOUN
fsr-3449	185	9	(	(	PUNCT
fsr-3449	185	10	i.e.	i.e.	X
fsr-3449	185	11	,	,	PUNCT
fsr-3449	185	12	30	30	NUM
fsr-3449	185	13	)	)	PUNCT
fsr-3449	185	14	denotes	denote	VERB
fsr-3449	185	15	the	the	DET
fsr-3449	185	16	highest	high	ADJ
fsr-3449	185	17	level	level	NOUN
fsr-3449	185	18	of	of	ADP
fsr-3449	185	19	financial	financial	ADJ
fsr-3449	185	20	self	self	NOUN
fsr-3449	185	21	-	-	PUNCT
fsr-3449	185	22	efficacy	efficacy	NOUN
fsr-3449	185	23	,	,	PUNCT
fsr-3449	185	24	while	while	SCONJ
fsr-3449	185	25	the	the	DET
fsr-3449	185	26	minimum	minimum	ADJ
fsr-3449	185	27	number	number	NOUN
fsr-3449	185	28	of	of	ADP
fsr-3449	185	29	summing	sum	VERB
fsr-3449	185	30	six	six	NUM
fsr-3449	185	31	items	item	NOUN
fsr-3449	185	32	(	(	PUNCT
fsr-3449	185	33	i.e.	i.e.	X
fsr-3449	185	34	,	,	PUNCT
fsr-3449	185	35	6	6	NUM
fsr-3449	185	36	)	)	PUNCT
fsr-3449	185	37	indicates	indicate	VERB
fsr-3449	185	38	the	the	DET
fsr-3449	185	39	lowest	low	ADJ
fsr-3449	185	40	level	level	NOUN
fsr-3449	185	41	of	of	ADP
fsr-3449	185	42	financial	financial	ADJ
fsr-3449	185	43	self	self	NOUN
fsr-3449	185	44	-	-	PUNCT
fsr-3449	185	45	efficacy	efficacy	NOUN
fsr-3449	185	46	.	.	PUNCT
fsr-3449	186	1	lastly	lastly	ADV
fsr-3449	186	2	,	,	PUNCT
fsr-3449	186	3	life	life	NOUN
fsr-3449	186	4	satisfaction	satisfaction	NOUN
fsr-3449	186	5	utilized	utilize	VERB
fsr-3449	186	6	five	five	NUM
fsr-3449	186	7	items	item	NOUN
fsr-3449	186	8	of	of	ADP
fsr-3449	186	9	satisfaction	satisfaction	NOUN
fsr-3449	186	10	with	with	ADP
fsr-3449	186	11	a	a	DET
fsr-3449	186	12	scale	scale	NOUN
fsr-3449	186	13	derived	derive	VERB
fsr-3449	186	14	from	from	ADP
fsr-3449	186	15	diener	diener	PROPN
fsr-3449	186	16	,	,	PUNCT
fsr-3449	186	17	emmons	emmons	PROPN
fsr-3449	186	18	,	,	PUNCT
fsr-3449	186	19	larsen	larsen	PROPN
fsr-3449	186	20	,	,	PUNCT
fsr-3449	186	21	&	&	CCONJ
fsr-3449	186	22	griffin	griffin	PROPN
fsr-3449	186	23	(	(	PUNCT
fsr-3449	186	24	1985	1985	NUM
fsr-3449	186	25	)	)	PUNCT
fsr-3449	186	26	.	.	PUNCT
fsr-3449	187	1	for	for	ADP
fsr-3449	187	2	life	life	NOUN
fsr-3449	187	3	satisfaction	satisfaction	NOUN
fsr-3449	187	4	,	,	PUNCT
fsr-3449	187	5	a	a	DET
fsr-3449	187	6	7	7	NUM
fsr-3449	187	7	-	-	PUNCT
fsr-3449	187	8	point	point	NOUN
fsr-3449	187	9	scale	scale	NOUN
fsr-3449	187	10	was	be	AUX
fsr-3449	187	11	utilized	utilize	VERB
fsr-3449	187	12	(	(	PUNCT
fsr-3449	187	13	1¼	1¼	NUM
fsr-3449	187	14	strongly	strongly	ADV
fsr-3449	187	15	disagree	disagree	VERB
fsr-3449	187	16	,	,	PUNCT
fsr-3449	187	17	7¼	7¼	NUM
fsr-3449	187	18	strongly	strongly	ADV
fsr-3449	187	19	agree	agree	VERB
fsr-3449	187	20	)	)	PUNCT
fsr-3449	187	21	.	.	PUNCT
fsr-3449	188	1	therefore	therefore	ADV
fsr-3449	188	2	,	,	PUNCT
fsr-3449	188	3	the	the	DET
fsr-3449	188	4	maximum	maximum	ADJ
fsr-3449	188	5	number	number	NOUN
fsr-3449	188	6	of	of	ADP
fsr-3449	188	7	summing	sum	VERB
fsr-3449	188	8	these	these	DET
fsr-3449	188	9	five	five	NUM
fsr-3449	188	10	items	item	NOUN
fsr-3449	188	11	(	(	PUNCT
fsr-3449	188	12	i.e.	i.e.	X
fsr-3449	188	13	,	,	PUNCT
fsr-3449	188	14	35	35	NUM
fsr-3449	188	15	)	)	PUNCT
fsr-3449	188	16	denotes	denote	VERB
fsr-3449	188	17	the	the	DET
fsr-3449	188	18	highest	high	ADJ
fsr-3449	188	19	level	level	NOUN
fsr-3449	188	20	of	of	ADP
fsr-3449	188	21	life	life	NOUN
fsr-3449	188	22	satisfaction	satisfaction	NOUN
fsr-3449	188	23	,	,	PUNCT
fsr-3449	188	24	while	while	SCONJ
fsr-3449	188	25	the	the	DET
fsr-3449	188	26	minimum	minimum	ADJ
fsr-3449	188	27	number	number	NOUN
fsr-3449	188	28	of	of	ADP
fsr-3449	188	29	summing	sum	VERB
fsr-3449	188	30	five	five	NUM
fsr-3449	188	31	items	item	NOUN
fsr-3449	188	32	(	(	PUNCT
fsr-3449	188	33	i.e.	i.e.	X
fsr-3449	188	34	,	,	PUNCT
fsr-3449	188	35	5	5	NUM
fsr-3449	188	36	)	)	PUNCT
fsr-3449	188	37	indicates	indicate	VERB
fsr-3449	188	38	the	the	DET
fsr-3449	188	39	lowest	low	ADJ
fsr-3449	188	40	level	level	NOUN
fsr-3449	188	41	of	of	ADP
fsr-3449	188	42	life	life	NOUN
fsr-3449	188	43	satisfaction	satisfaction	NOUN
fsr-3449	188	44	.	.	PUNCT
fsr-3449	189	1	demographic	demographic	ADJ
fsr-3449	189	2	characteristics	characteristic	NOUN
fsr-3449	189	3	consist	consist	VERB
fsr-3449	189	4	of	of	ADP
fsr-3449	189	5	both	both	DET
fsr-3449	189	6	respondent	respondent	NOUN
fsr-3449	189	7	-	-	PUNCT
fsr-3449	189	8	level	level	NOUN
fsr-3449	189	9	and	and	CCONJ
fsr-3449	189	10	household	household	NOUN
fsr-3449	189	11	-	-	PUNCT
fsr-3449	189	12	level	level	NOUN
fsr-3449	189	13	variables	variable	NOUN
fsr-3449	189	14	.	.	PUNCT
fsr-3449	190	1	for	for	ADP
fsr-3449	190	2	the	the	DET
fsr-3449	190	3	respondent	respondent	NOUN
fsr-3449	190	4	-	-	PUNCT
fsr-3449	190	5	level	level	NOUN
fsr-3449	190	6	variables	variable	NOUN
fsr-3449	190	7	,	,	PUNCT
fsr-3449	190	8	four	four	NUM
fsr-3449	190	9	variables	variable	NOUN
fsr-3449	190	10	were	be	AUX
fsr-3449	190	11	measured	measure	VERB
fsr-3449	190	12	as	as	ADP
fsr-3449	190	13	binary	binary	ADJ
fsr-3449	190	14	variables	variable	NOUN
fsr-3449	190	15	:	:	PUNCT
fsr-3449	190	16	gender	gender	NOUN
fsr-3449	190	17	(	(	PUNCT
fsr-3449	190	18	male¼	male¼	PROPN
fsr-3449	190	19	0	0	NUM
fsr-3449	190	20	,	,	PUNCT
fsr-3449	190	21	female¼	female¼	PROPN
fsr-3449	190	22	1	1	NUM
fsr-3449	190	23	)	)	PUNCT
fsr-3449	190	24	,	,	PUNCT
fsr-3449	190	25	working	work	VERB
fsr-3449	190	26	status	status	NOUN
fsr-3449	190	27	(	(	PUNCT
fsr-3449	190	28	not	not	PART
fsr-3449	190	29	working¼	working¼	NUM
fsr-3449	190	30	0	0	NUM
fsr-3449	190	31	,	,	PUNCT
fsr-3449	190	32	working¼	working¼	PROPN
fsr-3449	190	33	1	1	NUM
fsr-3449	190	34	)	)	PUNCT
fsr-3449	190	35	,	,	PUNCT
fsr-3449	190	36	race	race	NOUN
fsr-3449	190	37	/	/	SYM
fsr-3449	190	38	ethnicity	ethnicity	NOUN
fsr-3449	190	39	(	(	PUNCT
fsr-3449	190	40	nonwhite¼	nonwhite¼	NOUN
fsr-3449	190	41	0	0	NUM
fsr-3449	190	42	,	,	PUNCT
fsr-3449	190	43	white¼	white¼	NOUN
fsr-3449	190	44	0	0	NUM
fsr-3449	190	45	)	)	PUNCT
fsr-3449	190	46	,	,	PUNCT
fsr-3449	190	47	and	and	CCONJ
fsr-3449	190	48	relationship	relationship	NOUN
fsr-3449	190	49	status	status	NOUN
fsr-3449	190	50	(	(	PUNCT
fsr-3449	190	51	not	not	PART
fsr-3449	190	52	married¼	married¼	NOUN
fsr-3449	190	53	0	0	NUM
fsr-3449	190	54	,	,	PUNCT
fsr-3449	190	55	married	married	ADJ
fsr-3449	190	56	/	/	SYM
fsr-3449	190	57	coupled¼	coupled¼	NOUN
fsr-3449	190	58	1	1	NUM
fsr-3449	190	59	)	)	PUNCT
fsr-3449	190	60	.	.	PUNCT
fsr-3449	191	1	the	the	DET
fsr-3449	191	2	education	education	NOUN
fsr-3449	191	3	level	level	NOUN
fsr-3449	191	4	of	of	ADP
fsr-3449	191	5	the	the	DET
fsr-3449	191	6	respondent	respondent	NOUN
fsr-3449	191	7	was	be	AUX
fsr-3449	191	8	measured	measure	VERB
fsr-3449	191	9	with	with	ADP
fsr-3449	191	10	a	a	DET
fsr-3449	191	11	categorical	categorical	ADJ
fsr-3449	191	12	variable	variable	NOUN
fsr-3449	191	13	:	:	PUNCT
fsr-3449	191	14	high	high	ADJ
fsr-3449	191	15	school	school	NOUN
fsr-3449	191	16	graduate	graduate	NOUN
fsr-3449	191	17	or	or	CCONJ
fsr-3449	191	18	lower	low	ADJ
fsr-3449	191	19	,	,	PUNCT
fsr-3449	191	20	associate	associate	ADJ
fsr-3449	191	21	degree	degree	NOUN
fsr-3449	191	22	,	,	PUNCT
fsr-3449	191	23	bachelor	bachelor	NOUN
fsr-3449	191	24	’s	’s	PART
fsr-3449	191	25	degree	degree	NOUN
fsr-3449	191	26	,	,	PUNCT
fsr-3449	191	27	and	and	CCONJ
fsr-3449	191	28	graduate	graduate	NOUN
fsr-3449	191	29	-	-	PUNCT
fsr-3449	191	30	level	level	NOUN
fsr-3449	191	31	or	or	CCONJ
fsr-3449	191	32	higher	high	ADJ
fsr-3449	191	33	.	.	PUNCT
fsr-3449	192	1	the	the	DET
fsr-3449	192	2	lowest	low	ADJ
fsr-3449	192	3	education	education	NOUN
fsr-3449	192	4	level	level	NOUN
fsr-3449	192	5	(	(	PUNCT
fsr-3449	192	6	i.e.	i.e.	X
fsr-3449	192	7	,	,	PUNCT
fsr-3449	192	8	high	high	ADJ
fsr-3449	192	9	school	school	NOUN
fsr-3449	192	10	graduate	graduate	NOUN
fsr-3449	192	11	or	or	CCONJ
fsr-3449	192	12	lower	low	ADJ
fsr-3449	192	13	)	)	PUNCT
fsr-3449	192	14	is	be	AUX
fsr-3449	192	15	used	use	VERB
fsr-3449	192	16	as	as	ADP
fsr-3449	192	17	a	a	DET
fsr-3449	192	18	reference	reference	NOUN
fsr-3449	192	19	group	group	NOUN
fsr-3449	192	20	in	in	ADP
fsr-3449	192	21	an	an	DET
fsr-3449	192	22	analytic	analytic	ADJ
fsr-3449	192	23	procedure	procedure	NOUN
fsr-3449	192	24	.	.	PUNCT
fsr-3449	193	1	the	the	DET
fsr-3449	193	2	age	age	NOUN
fsr-3449	193	3	of	of	ADP
fsr-3449	193	4	the	the	DET
fsr-3449	193	5	respondent	respondent	NOUN
fsr-3449	193	6	was	be	AUX
fsr-3449	193	7	measured	measure	VERB
fsr-3449	193	8	by	by	ADP
fsr-3449	193	9	number	number	NOUN
fsr-3449	193	10	of	of	ADP
fsr-3449	193	11	years	year	NOUN
fsr-3449	193	12	.	.	PUNCT
fsr-3449	194	1	household	household	NOUN
fsr-3449	194	2	-	-	PUNCT
fsr-3449	194	3	level	level	NOUN
fsr-3449	194	4	variables	variable	NOUN
fsr-3449	194	5	include	include	VERB
fsr-3449	194	6	income	income	NOUN
fsr-3449	194	7	and	and	CCONJ
fsr-3449	194	8	the	the	DET
fsr-3449	194	9	number	number	NOUN
fsr-3449	194	10	of	of	ADP
fsr-3449	194	11	children	child	NOUN
fsr-3449	194	12	in	in	ADP
fsr-3449	194	13	the	the	DET
fsr-3449	194	14	household	household	NOUN
fsr-3449	194	15	.	.	PUNCT
fsr-3449	195	1	income	income	NOUN
fsr-3449	195	2	was	be	AUX
fsr-3449	195	3	measured	measure	VERB
fsr-3449	195	4	between	between	ADP
fsr-3449	195	5	eight	eight	NUM
fsr-3449	195	6	different	different	ADJ
fsr-3449	195	7	categories	category	NOUN
fsr-3449	195	8	:	:	PUNCT
fsr-3449	195	9	lower	low	ADJ
fsr-3449	195	10	than	than	ADP
fsr-3449	195	11	$	$	SYM
fsr-3449	195	12	15,000	15,000	NUM
fsr-3449	195	13	,	,	PUNCT
fsr-3449	195	14	$	$	SYM
fsr-3449	195	15	15,000	15,000	NUM
fsr-3449	195	16	-	-	SYM
fsr-3449	195	17	24,999	24,999	NUM
fsr-3449	195	18	,	,	PUNCT
fsr-3449	195	19	$	$	SYM
fsr-3449	195	20	25,000	25,000	NUM
fsr-3449	195	21	-	-	SYM
fsr-3449	195	22	34,999	34,999	NUM
fsr-3449	195	23	,	,	PUNCT
fsr-3449	195	24	$	$	SYM
fsr-3449	195	25	35,000	35,000	NUM
fsr-3449	195	26	-	-	SYM
fsr-3449	195	27	49,999	49,999	NUM
fsr-3449	195	28	,	,	PUNCT
fsr-3449	195	29	$	$	SYM
fsr-3449	195	30	50,000	50,000	NUM
fsr-3449	195	31	-	-	SYM
fsr-3449	195	32	74,999	74,999	NUM
fsr-3449	195	33	,	,	PUNCT
fsr-3449	195	34	$	$	SYM
fsr-3449	195	35	75,000	75,000	NUM
fsr-3449	195	36	-	-	SYM
fsr-3449	195	37	99,999	99,999	NUM
fsr-3449	195	38	,	,	PUNCT
fsr-3449	195	39	$	$	SYM
fsr-3449	195	40	100,000	100,000	NUM
fsr-3449	195	41	-	-	SYM
fsr-3449	195	42	149,999	149,999	NUM
fsr-3449	195	43	,	,	PUNCT
fsr-3449	195	44	and	and	CCONJ
fsr-3449	195	45	greater	great	ADJ
fsr-3449	195	46	than	than	ADP
fsr-3449	195	47	$	$	SYM
fsr-3449	195	48	150,000	150,000	NUM
fsr-3449	195	49	.	.	PUNCT
fsr-3449	196	1	the	the	DET
fsr-3449	196	2	lowest	low	ADJ
fsr-3449	196	3	income	income	NOUN
fsr-3449	196	4	level	level	NOUN
fsr-3449	196	5	(	(	PUNCT
fsr-3449	196	6	i.e.	i.e.	X
fsr-3449	196	7	,	,	PUNCT
fsr-3449	196	8	lower	low	ADJ
fsr-3449	196	9	than	than	ADP
fsr-3449	196	10	$	$	SYM
fsr-3449	196	11	15,000	15,000	NUM
fsr-3449	196	12	)	)	PUNCT
fsr-3449	196	13	was	be	AUX
fsr-3449	196	14	used	use	VERB
fsr-3449	196	15	as	as	ADP
fsr-3449	196	16	a	a	DET
fsr-3449	196	17	reference	reference	NOUN
fsr-3449	196	18	group	group	NOUN
fsr-3449	196	19	.	.	PUNCT
fsr-3449	197	1	the	the	DET
fsr-3449	197	2	number	number	NOUN
fsr-3449	197	3	of	of	ADP
fsr-3449	197	4	children	child	NOUN
fsr-3449	197	5	in	in	ADP
fsr-3449	197	6	the	the	DET
fsr-3449	197	7	household	household	NOUN
fsr-3449	197	8	was	be	AUX
fsr-3449	197	9	measured	measure	VERB
fsr-3449	197	10	as	as	ADP
fsr-3449	197	11	a	a	DET
fsr-3449	197	12	continuous	continuous	ADJ
fsr-3449	197	13	variable	variable	NOUN
fsr-3449	197	14	.	.	PUNCT
fsr-3449	198	1	finally	finally	ADV
fsr-3449	198	2	,	,	PUNCT
fsr-3449	198	3	perceived	perceive	VERB
fsr-3449	198	4	health	health	NOUN
fsr-3449	198	5	condition	condition	NOUN
fsr-3449	198	6	was	be	AUX
fsr-3449	198	7	the	the	DET
fsr-3449	198	8	self	self	NOUN
fsr-3449	198	9	-	-	PUNCT
fsr-3449	198	10	assessment	assessment	NOUN
fsr-3449	198	11	of	of	ADP
fsr-3449	198	12	one	one	NUM
fsr-3449	198	13	’s	’s	PART
fsr-3449	198	14	perceived	perceive	VERB
fsr-3449	198	15	health	health	NOUN
fsr-3449	198	16	condition	condition	NOUN
fsr-3449	198	17	,	,	PUNCT
fsr-3449	198	18	and	and	CCONJ
fsr-3449	198	19	this	this	PRON
fsr-3449	198	20	was	be	AUX
fsr-3449	198	21	measured	measure	VERB
fsr-3449	198	22	as	as	ADP
fsr-3449	198	23	a	a	DET
fsr-3449	198	24	binary	binary	ADJ
fsr-3449	198	25	variable	variable	NOUN
fsr-3449	198	26	(	(	PUNCT
fsr-3449	198	27	not	not	PART
fsr-3449	198	28	good¼	good¼	NOUN
fsr-3449	198	29	0	0	NUM
fsr-3449	198	30	,	,	PUNCT
fsr-3449	198	31	good¼	good¼	NOUN
fsr-3449	198	32	1	1	NUM
fsr-3449	198	33	)	)	PUNCT
fsr-3449	198	34	.	.	PUNCT
fsr-3449	199	1	4	4	X
fsr-3449	199	2	.	.	X
fsr-3449	199	3	findings	finding	VERB
fsr-3449	199	4	4.1	4.1	NUM
fsr-3449	199	5	.	.	PUNCT
fsr-3449	200	1	descriptive	descriptive	ADJ
fsr-3449	200	2	information	information	NOUN
fsr-3449	200	3	of	of	ADP
fsr-3449	200	4	samples	sample	NOUN
fsr-3449	200	5	tables	table	NOUN
fsr-3449	200	6	1	1	NUM
fsr-3449	200	7	and	and	CCONJ
fsr-3449	200	8	2	2	NUM
fsr-3449	200	9	displayed	display	VERB
fsr-3449	200	10	the	the	DET
fsr-3449	200	11	descriptive	descriptive	ADJ
fsr-3449	200	12	statistics	statistic	NOUN
fsr-3449	200	13	of	of	ADP
fsr-3449	200	14	both	both	CCONJ
fsr-3449	200	15	the	the	DET
fsr-3449	200	16	total	total	ADJ
fsr-3449	200	17	sample	sample	NOUN
fsr-3449	200	18	and	and	CCONJ
fsr-3449	200	19	the	the	DET
fsr-3449	200	20	subsamples	subsample	NOUN
fsr-3449	200	21	.	.	PUNCT
fsr-3449	201	1	for	for	ADP
fsr-3449	201	2	example	example	NOUN
fsr-3449	201	3	,	,	PUNCT
fsr-3449	201	4	among	among	ADP
fsr-3449	201	5	the	the	DET
fsr-3449	201	6	total	total	ADJ
fsr-3449	201	7	sample	sample	NOUN
fsr-3449	201	8	result	result	NOUN
fsr-3449	201	9	(	(	PUNCT
fsr-3449	201	10	n¼	n¼	NOUN
fsr-3449	201	11	997	997	NUM
fsr-3449	201	12	)	)	PUNCT
fsr-3449	201	13	,	,	PUNCT
fsr-3449	201	14	approximately	approximately	ADV
fsr-3449	201	15	40	40	NUM
fsr-3449	201	16	%	%	NOUN
fsr-3449	201	17	of	of	ADP
fsr-3449	201	18	the	the	DET
fsr-3449	201	19	respondents	respondent	NOUN
fsr-3449	201	20	had	have	VERB
fsr-3449	201	21	zero	zero	NUM
fsr-3449	201	22	net	net	ADJ
fsr-3449	201	23	balances	balance	NOUN
fsr-3449	201	24	or	or	CCONJ
fsr-3449	201	25	negative	negative	ADJ
fsr-3449	201	26	net	net	ADJ
fsr-3449	201	27	balances	balance	NOUN
fsr-3449	201	28	,	,	PUNCT
fsr-3449	201	29	and	and	CCONJ
fsr-3449	201	30	around	around	ADV
fsr-3449	201	31	45	45	NUM
fsr-3449	201	32	%	%	NOUN
fsr-3449	201	33	of	of	ADP
fsr-3449	201	34	respondents	respondent	NOUN
fsr-3449	201	35	had	have	VERB
fsr-3449	201	36	emergency	emergency	NOUN
fsr-3449	201	37	funds	fund	NOUN
fsr-3449	201	38	.	.	PUNCT
fsr-3449	202	1	the	the	DET
fsr-3449	202	2	income	income	NOUN
fsr-3449	202	3	levels	level	NOUN
fsr-3449	202	4	of	of	ADP
fsr-3449	202	5	approximately	approximately	ADV
fsr-3449	202	6	half	half	NOUN
fsr-3449	202	7	of	of	ADP
fsr-3449	202	8	the	the	DET
fsr-3449	202	9	respondents	respondent	NOUN
fsr-3449	202	10	fell	fall	VERB
fsr-3449	202	11	110	110	NUM
fsr-3449	202	12	w.	w.	PROPN
fsr-3449	202	13	heo	heo	PROPN
fsr-3449	202	14	et	et	PROPN
fsr-3449	202	15	al	al	PROPN
fsr-3449	202	16	.	.	PUNCT
fsr-3449	203	1	/	/	SYM
fsr-3449	203	2	financial	financial	ADJ
fsr-3449	203	3	services	service	NOUN
fsr-3449	203	4	review	review	VERB
fsr-3449	203	5	29	29	NUM
fsr-3449	203	6	(	(	PUNCT
fsr-3449	203	7	2021	2021	NUM
fsr-3449	203	8	)	)	PUNCT
fsr-3449	204	1	101–119	101–119	NUM
fsr-3449	204	2	between	between	ADP
fsr-3449	204	3	$	$	SYM
fsr-3449	204	4	35,000	35,000	NUM
fsr-3449	204	5	and	and	CCONJ
fsr-3449	204	6	$	$	SYM
fsr-3449	204	7	99,999	99,999	NUM
fsr-3449	204	8	,	,	PUNCT
fsr-3449	204	9	which	which	PRON
fsr-3449	204	10	means	mean	VERB
fsr-3449	204	11	that	that	SCONJ
fsr-3449	204	12	the	the	DET
fsr-3449	204	13	sample	sample	NOUN
fsr-3449	204	14	was	be	AUX
fsr-3449	204	15	not	not	PART
fsr-3449	204	16	highly	highly	ADV
fsr-3449	204	17	skewed	skewed	ADJ
fsr-3449	204	18	to	to	PART
fsr-3449	204	19	highor	highor	VERB
fsr-3449	204	20	low	low	ADJ
fsr-3449	204	21	-	-	PUNCT
fsr-3449	204	22	income	income	NOUN
fsr-3449	204	23	respondents	respondent	NOUN
fsr-3449	204	24	,	,	PUNCT
fsr-3449	204	25	the	the	DET
fsr-3449	204	26	majority	majority	NOUN
fsr-3449	204	27	of	of	ADP
fsr-3449	204	28	which	which	PRON
fsr-3449	204	29	were	be	AUX
fsr-3449	204	30	working	work	VERB
fsr-3449	204	31	white	white	ADJ
fsr-3449	204	32	females	female	NOUN
fsr-3449	204	33	who	who	PRON
fsr-3449	204	34	had	have	AUX
fsr-3449	204	35	completed	complete	VERB
fsr-3449	204	36	at	at	ADP
fsr-3449	204	37	least	least	ADJ
fsr-3449	204	38	an	an	DET
fsr-3449	204	39	associate	associate	ADJ
fsr-3449	204	40	degree	degree	NOUN
fsr-3449	204	41	.	.	PUNCT
fsr-3449	205	1	half	half	NOUN
fsr-3449	205	2	of	of	ADP
fsr-3449	205	3	the	the	DET
fsr-3449	205	4	respondents	respondent	NOUN
fsr-3449	205	5	were	be	AUX
fsr-3449	205	6	either	either	CCONJ
fsr-3449	205	7	married	married	ADJ
fsr-3449	205	8	or	or	CCONJ
fsr-3449	205	9	living	live	VERB
fsr-3449	205	10	with	with	ADP
fsr-3449	205	11	their	their	PRON
fsr-3449	205	12	partners	partner	NOUN
fsr-3449	205	13	.	.	PUNCT
fsr-3449	206	1	the	the	DET
fsr-3449	206	2	average	average	ADJ
fsr-3449	206	3	number	number	NOUN
fsr-3449	206	4	of	of	ADP
fsr-3449	206	5	children	child	NOUN
fsr-3449	206	6	and	and	CCONJ
fsr-3449	206	7	the	the	DET
fsr-3449	206	8	average	average	ADJ
fsr-3449	206	9	age	age	NOUN
fsr-3449	206	10	of	of	ADP
fsr-3449	206	11	the	the	DET
fsr-3449	206	12	respondents	respondent	NOUN
fsr-3449	206	13	were	be	AUX
fsr-3449	206	14	less	less	ADJ
fsr-3449	206	15	than	than	ADP
fsr-3449	206	16	one	one	NUM
fsr-3449	206	17	and	and	CCONJ
fsr-3449	206	18	47	47	NUM
fsr-3449	206	19	years	year	NOUN
fsr-3449	206	20	old	old	ADJ
fsr-3449	206	21	,	,	PUNCT
fsr-3449	206	22	respectively	respectively	ADV
fsr-3449	206	23	.	.	PUNCT
fsr-3449	207	1	for	for	ADP
fsr-3449	207	2	the	the	DET
fsr-3449	207	3	physio	physio	NOUN
fsr-3449	207	4	-	-	PUNCT
fsr-3449	207	5	psychological	psychological	ADJ
fsr-3449	207	6	characteristics	characteristic	NOUN
fsr-3449	207	7	,	,	PUNCT
fsr-3449	207	8	the	the	DET
fsr-3449	207	9	average	average	ADJ
fsr-3449	207	10	level	level	NOUN
fsr-3449	207	11	of	of	ADP
fsr-3449	207	12	financial	financial	ADJ
fsr-3449	207	13	risk	risk	NOUN
fsr-3449	207	14	tolerance	tolerance	NOUN
fsr-3449	207	15	,	,	PUNCT
fsr-3449	207	16	subjective	subjective	ADJ
fsr-3449	207	17	financial	financial	ADJ
fsr-3449	207	18	knowledge	knowledge	NOUN
fsr-3449	207	19	,	,	PUNCT
fsr-3449	207	20	and	and	CCONJ
fsr-3449	207	21	objective	objective	ADJ
fsr-3449	207	22	financial	financial	ADJ
fsr-3449	207	23	knowledge	knowledge	NOUN
fsr-3449	207	24	were	be	AUX
fsr-3449	207	25	measured	measure	VERB
fsr-3449	207	26	as	as	ADP
fsr-3449	207	27	20.67	20.67	NUM
fsr-3449	207	28	,	,	PUNCT
fsr-3449	207	29	3.71	3.71	NUM
fsr-3449	207	30	,	,	PUNCT
fsr-3449	207	31	and	and	CCONJ
fsr-3449	207	32	1.96	1.96	NUM
fsr-3449	207	33	,	,	PUNCT
fsr-3449	207	34	respectively	respectively	ADV
fsr-3449	207	35	.	.	PUNCT
fsr-3449	208	1	the	the	DET
fsr-3449	208	2	levels	level	NOUN
fsr-3449	208	3	of	of	ADP
fsr-3449	208	4	financial	financial	ADJ
fsr-3449	208	5	knowledge	knowledge	NOUN
fsr-3449	208	6	were	be	AUX
fsr-3449	208	7	both	both	PRON
fsr-3449	208	8	slightly	slightly	ADV
fsr-3449	208	9	higher	high	ADJ
fsr-3449	208	10	than	than	ADP
fsr-3449	208	11	the	the	DET
fsr-3449	208	12	median	median	ADJ
fsr-3449	208	13	value	value	NOUN
fsr-3449	208	14	of	of	ADP
fsr-3449	208	15	each	each	PRON
fsr-3449	208	16	,	,	PUNCT
fsr-3449	208	17	measuring	measure	VERB
fsr-3449	208	18	for	for	ADP
fsr-3449	208	19	example	example	NOUN
fsr-3449	208	20	as	as	ADP
fsr-3449	208	21	3.5	3.5	NUM
fsr-3449	208	22	and	and	CCONJ
fsr-3449	208	23	1.5	1.5	NUM
fsr-3449	208	24	,	,	PUNCT
fsr-3449	208	25	respectively	respectively	ADV
fsr-3449	208	26	.	.	PUNCT
fsr-3449	209	1	the	the	DET
fsr-3449	209	2	majority	majority	NOUN
fsr-3449	209	3	of	of	ADP
fsr-3449	209	4	respondents	respondent	NOUN
fsr-3449	209	5	responded	respond	VERB
fsr-3449	209	6	that	that	SCONJ
fsr-3449	209	7	they	they	PRON
fsr-3449	209	8	were	be	AUX
fsr-3449	209	9	in	in	ADP
fsr-3449	209	10	good	good	ADJ
fsr-3449	209	11	health	health	NOUN
fsr-3449	209	12	,	,	PUNCT
fsr-3449	209	13	and	and	CCONJ
fsr-3449	209	14	this	this	PRON
fsr-3449	209	15	is	be	AUX
fsr-3449	209	16	a	a	DET
fsr-3449	209	17	limitation	limitation	NOUN
fsr-3449	209	18	of	of	ADP
fsr-3449	209	19	the	the	DET
fsr-3449	209	20	study	study	NOUN
fsr-3449	209	21	caused	cause	VERB
fsr-3449	209	22	by	by	ADP
fsr-3449	209	23	random	random	ADJ
fsr-3449	209	24	sampling	sampling	NOUN
fsr-3449	209	25	through	through	ADP
fsr-3449	209	26	an	an	DET
fsr-3449	209	27	online	online	ADJ
fsr-3449	209	28	survey	survey	NOUN
fsr-3449	209	29	.	.	PUNCT
fsr-3449	210	1	in	in	ADP
fsr-3449	210	2	terms	term	NOUN
fsr-3449	210	3	of	of	ADP
fsr-3449	210	4	the	the	DET
fsr-3449	210	5	psychological	psychological	ADJ
fsr-3449	210	6	factors	factor	NOUN
fsr-3449	210	7	,	,	PUNCT
fsr-3449	210	8	the	the	DET
fsr-3449	210	9	average	average	ADJ
fsr-3449	210	10	value	value	NOUN
fsr-3449	210	11	of	of	ADP
fsr-3449	210	12	external	external	ADJ
fsr-3449	210	13	locus	locus	NOUN
fsr-3449	210	14	of	of	ADP
fsr-3449	210	15	control	control	NOUN
fsr-3449	210	16	was	be	AUX
fsr-3449	210	17	24.87	24.87	NUM
fsr-3449	210	18	,	,	PUNCT
fsr-3449	210	19	with	with	ADP
fsr-3449	210	20	a	a	DET
fsr-3449	210	21	standard	standard	ADJ
fsr-3449	210	22	deviation	deviation	NOUN
fsr-3449	210	23	of	of	ADP
fsr-3449	210	24	4.91	4.91	NUM
fsr-3449	210	25	;	;	PUNCT
fsr-3449	210	26	the	the	DET
fsr-3449	210	27	average	average	ADJ
fsr-3449	210	28	value	value	NOUN
fsr-3449	210	29	of	of	ADP
fsr-3449	210	30	financial	financial	ADJ
fsr-3449	210	31	satisfaction	satisfaction	NOUN
fsr-3449	210	32	was	be	AUX
fsr-3449	210	33	21.16	21.16	NUM
fsr-3449	210	34	,	,	PUNCT
fsr-3449	210	35	with	with	ADP
fsr-3449	210	36	a	a	DET
fsr-3449	210	37	standard	standard	ADJ
fsr-3449	210	38	deviation	deviation	NOUN
fsr-3449	210	39	of	of	ADP
fsr-3449	210	40	7.34	7.34	NUM
fsr-3449	210	41	;	;	PUNCT
fsr-3449	210	42	the	the	DET
fsr-3449	210	43	average	average	ADJ
fsr-3449	210	44	value	value	NOUN
fsr-3449	210	45	of	of	ADP
fsr-3449	210	46	financial	financial	ADJ
fsr-3449	210	47	self	self	NOUN
fsr-3449	210	48	-	-	PUNCT
fsr-3449	210	49	efficacy	efficacy	NOUN
fsr-3449	210	50	was	be	AUX
fsr-3449	210	51	15.15	15.15	NUM
fsr-3449	210	52	,	,	PUNCT
fsr-3449	210	53	with	with	ADP
fsr-3449	210	54	a	a	DET
fsr-3449	210	55	standard	standard	ADJ
fsr-3449	210	56	deviation	deviation	NOUN
fsr-3449	210	57	of	of	ADP
fsr-3449	210	58	5.04	5.04	NUM
fsr-3449	210	59	;	;	PUNCT
fsr-3449	210	60	and	and	CCONJ
fsr-3449	210	61	the	the	DET
fsr-3449	210	62	average	average	ADJ
fsr-3449	210	63	value	value	NOUN
fsr-3449	210	64	of	of	ADP
fsr-3449	210	65	life	life	NOUN
fsr-3449	210	66	satisfaction	satisfaction	NOUN
fsr-3449	210	67	was	be	AUX
fsr-3449	210	68	20.92	20.92	NUM
fsr-3449	210	69	,	,	PUNCT
fsr-3449	210	70	with	with	ADP
fsr-3449	210	71	a	a	DET
fsr-3449	210	72	standard	standard	ADJ
fsr-3449	210	73	deviation	deviation	NOUN
fsr-3449	210	74	of	of	ADP
fsr-3449	210	75	8.35	8.35	NUM
fsr-3449	210	76	.	.	PUNCT
fsr-3449	211	1	table	table	NOUN
fsr-3449	211	2	1	1	NUM
fsr-3449	211	3	descriptive	descriptive	ADJ
fsr-3449	211	4	statistics	statistic	NOUN
fsr-3449	211	5	of	of	ADP
fsr-3449	211	6	samples	sample	NOUN
fsr-3449	211	7	:	:	PUNCT
fsr-3449	211	8	categorical	categorical	ADJ
fsr-3449	211	9	factors	factor	NOUN
fsr-3449	211	10	total	total	NOUN
fsr-3449	211	11	sample	sample	NOUN
fsr-3449	211	12	(	(	PUNCT
fsr-3449	211	13	n=	n=	ADJ
fsr-3449	211	14	997	997	NUM
fsr-3449	211	15	)	)	PUNCT
fsr-3449	211	16	no	no	DET
fsr-3449	211	17	insurance	insurance	NOUN
fsr-3449	211	18	(	(	PUNCT
fsr-3449	211	19	n=	n=	ADJ
fsr-3449	211	20	521	521	NUM
fsr-3449	211	21	)	)	PUNCT
fsr-3449	211	22	term	term	NOUN
fsr-3449	211	23	only	only	ADV
fsr-3449	211	24	(	(	PUNCT
fsr-3449	211	25	n=	n=	ADJ
fsr-3449	211	26	227	227	NUM
fsr-3449	211	27	)	)	PUNCT
fsr-3449	211	28	cash	cash	NOUN
fsr-3449	211	29	-	-	PUNCT
fsr-3449	211	30	value	value	NOUN
fsr-3449	211	31	only	only	ADV
fsr-3449	211	32	(	(	PUNCT
fsr-3449	211	33	n=	n=	ADJ
fsr-3449	211	34	89	89	NUM
fsr-3449	211	35	)	)	PUNCT
fsr-3449	211	36	both	both	DET
fsr-3449	211	37	insurance	insurance	NOUN
fsr-3449	211	38	(	(	PUNCT
fsr-3449	211	39	n=	n=	ADJ
fsr-3449	211	40	160	160	NUM
fsr-3449	211	41	)	)	PUNCT
fsr-3449	211	42	freq	freq	NOUN
fsr-3449	211	43	.	.	PUNCT
fsr-3449	212	1	(	(	PUNCT
fsr-3449	212	2	%	%	INTJ
fsr-3449	212	3	)	)	PUNCT
fsr-3449	212	4	freq	freq	NOUN
fsr-3449	212	5	.	.	PUNCT
fsr-3449	213	1	(	(	PUNCT
fsr-3449	213	2	%	%	INTJ
fsr-3449	213	3	)	)	PUNCT
fsr-3449	213	4	freq	freq	NOUN
fsr-3449	213	5	.	.	PUNCT
fsr-3449	214	1	(	(	PUNCT
fsr-3449	214	2	%	%	INTJ
fsr-3449	214	3	)	)	PUNCT
fsr-3449	214	4	freq	freq	NOUN
fsr-3449	214	5	.	.	PUNCT
fsr-3449	215	1	(	(	PUNCT
fsr-3449	215	2	%	%	INTJ
fsr-3449	215	3	)	)	PUNCT
fsr-3449	215	4	freq	freq	NOUN
fsr-3449	215	5	.	.	PUNCT
fsr-3449	216	1	(	(	PUNCT
fsr-3449	216	2	%	%	INTJ
fsr-3449	216	3	)	)	PUNCT
fsr-3449	216	4	financial	financial	ADJ
fsr-3449	216	5	status	status	NOUN
fsr-3449	216	6	characteristics	characteristic	VERB
fsr-3449	216	7	negative	negative	ADJ
fsr-3449	216	8	nb	nb	PROPN
fsr-3449	216	9	263	263	NUM
fsr-3449	216	10	(	(	PUNCT
fsr-3449	216	11	26.38	26.38	NUM
fsr-3449	216	12	)	)	PUNCT
fsr-3449	216	13	173	173	NUM
fsr-3449	216	14	(	(	PUNCT
fsr-3449	216	15	33.21	33.21	NUM
fsr-3449	216	16	)	)	PUNCT
fsr-3449	216	17	56	56	NUM
fsr-3449	216	18	(	(	PUNCT
fsr-3449	216	19	24.67	24.67	NUM
fsr-3449	216	20	)	)	PUNCT
fsr-3449	216	21	9	9	NUM
fsr-3449	216	22	(	(	PUNCT
fsr-3449	216	23	10.11	10.11	NUM
fsr-3449	216	24	)	)	PUNCT
fsr-3449	216	25	25	25	NUM
fsr-3449	216	26	(	(	PUNCT
fsr-3449	216	27	15.63	15.63	NUM
fsr-3449	216	28	)	)	PUNCT
fsr-3449	216	29	emer	emer	PROPN
fsr-3449	216	30	.	.	PUNCT
fsr-3449	217	1	funds	fund	NOUN
fsr-3449	217	2	(	(	PUNCT
fsr-3449	217	3	yes	yes	INTJ
fsr-3449	217	4	)	)	PUNCT
fsr-3449	217	5	453	453	NUM
fsr-3449	217	6	(	(	PUNCT
fsr-3449	217	7	45.44	45.44	NUM
fsr-3449	217	8	)	)	PUNCT
fsr-3449	217	9	177	177	NUM
fsr-3449	217	10	(	(	PUNCT
fsr-3449	217	11	33.97	33.97	NUM
fsr-3449	217	12	)	)	PUNCT
fsr-3449	217	13	105	105	NUM
fsr-3449	217	14	(	(	PUNCT
fsr-3449	217	15	46.26	46.26	NUM
fsr-3449	217	16	)	)	PUNCT
fsr-3449	217	17	61	61	NUM
fsr-3449	217	18	(	(	PUNCT
fsr-3449	217	19	68.54	68.54	NUM
fsr-3449	217	20	)	)	PUNCT
fsr-3449	217	21	110	110	NUM
fsr-3449	217	22	(	(	PUNCT
fsr-3449	217	23	68.75	68.75	NUM
fsr-3449	217	24	)	)	PUNCT
fsr-3449	217	25	demographic	demographic	ADJ
fsr-3449	217	26	characteristics	characteristic	NOUN
fsr-3449	217	27	gender	gender	NOUN
fsr-3449	217	28	(=	(=	X
fsr-3449	217	29	female	female	NOUN
fsr-3449	217	30	)	)	PUNCT
fsr-3449	217	31	776	776	NUM
fsr-3449	217	32	(	(	PUNCT
fsr-3449	217	33	77.83	77.83	NUM
fsr-3449	217	34	)	)	PUNCT
fsr-3449	217	35	423	423	NUM
fsr-3449	217	36	(	(	PUNCT
fsr-3449	217	37	81.19	81.19	NUM
fsr-3449	217	38	)	)	PUNCT
fsr-3449	217	39	186	186	NUM
fsr-3449	217	40	(	(	PUNCT
fsr-3449	217	41	81.94	81.94	NUM
fsr-3449	217	42	)	)	PUNCT
fsr-3449	217	43	53	53	NUM
fsr-3449	217	44	(	(	PUNCT
fsr-3449	217	45	59.55	59.55	NUM
fsr-3449	217	46	)	)	PUNCT
fsr-3449	217	47	114	114	NUM
fsr-3449	217	48	(	(	PUNCT
fsr-3449	217	49	71.25	71.25	NUM
fsr-3449	217	50	)	)	PUNCT
fsr-3449	217	51	income	income	NOUN
fsr-3449	217	52	lower	low	ADJ
fsr-3449	217	53	than	than	ADP
fsr-3449	217	54	$	$	SYM
fsr-3449	217	55	15k	15k	NUM
fsr-3449	217	56	113	113	NUM
fsr-3449	217	57	(	(	PUNCT
fsr-3449	217	58	11.33	11.33	NUM
fsr-3449	217	59	)	)	PUNCT
fsr-3449	217	60	89	89	NUM
fsr-3449	217	61	(	(	PUNCT
fsr-3449	217	62	17.08	17.08	NUM
fsr-3449	217	63	)	)	PUNCT
fsr-3449	217	64	11	11	NUM
fsr-3449	217	65	(	(	PUNCT
fsr-3449	217	66	4.85	4.85	NUM
fsr-3449	217	67	)	)	PUNCT
fsr-3449	217	68	7	7	NUM
fsr-3449	217	69	(	(	PUNCT
fsr-3449	217	70	7.87	7.87	NUM
fsr-3449	217	71	)	)	PUNCT
fsr-3449	217	72	6	6	NUM
fsr-3449	217	73	(	(	PUNCT
fsr-3449	217	74	3.75	3.75	NUM
fsr-3449	217	75	)	)	PUNCT
fsr-3449	217	76	$	$	SYM
fsr-3449	217	77	15k	15k	NOUN
fsr-3449	217	78	$	$	SYM
fsr-3449	217	79	25k	25k	NUM
fsr-3449	217	80	126	126	NUM
fsr-3449	217	81	(	(	PUNCT
fsr-3449	217	82	12.64	12.64	NUM
fsr-3449	217	83	)	)	PUNCT
fsr-3449	217	84	97	97	NUM
fsr-3449	217	85	(	(	PUNCT
fsr-3449	217	86	18.62	18.62	NUM
fsr-3449	217	87	)	)	PUNCT
fsr-3449	217	88	8	8	NUM
fsr-3449	217	89	(	(	PUNCT
fsr-3449	217	90	3.52	3.52	NUM
fsr-3449	217	91	)	)	PUNCT
fsr-3449	217	92	10	10	NUM
fsr-3449	217	93	(	(	PUNCT
fsr-3449	217	94	11.24	11.24	NUM
fsr-3449	217	95	)	)	PUNCT
fsr-3449	217	96	11	11	NUM
fsr-3449	217	97	(	(	PUNCT
fsr-3449	217	98	6.88	6.88	NUM
fsr-3449	217	99	)	)	PUNCT
fsr-3449	217	100	$	$	SYM
fsr-3449	217	101	25k	25k	NUM
fsr-3449	217	102	$	$	SYM
fsr-3449	217	103	35k	35k	NUM
fsr-3449	217	104	144	144	NUM
fsr-3449	217	105	(	(	PUNCT
fsr-3449	217	106	14.44	14.44	NUM
fsr-3449	217	107	)	)	PUNCT
fsr-3449	217	108	87	87	NUM
fsr-3449	217	109	(	(	PUNCT
fsr-3449	217	110	16.70	16.70	NUM
fsr-3449	217	111	)	)	PUNCT
fsr-3449	217	112	29	29	NUM
fsr-3449	217	113	(	(	PUNCT
fsr-3449	217	114	12.78	12.78	NUM
fsr-3449	217	115	)	)	PUNCT
fsr-3449	217	116	12	12	NUM
fsr-3449	217	117	(	(	PUNCT
fsr-3449	217	118	13.48	13.48	NUM
fsr-3449	217	119	)	)	PUNCT
fsr-3449	217	120	16	16	NUM
fsr-3449	217	121	(	(	PUNCT
fsr-3449	217	122	10.00	10.00	NUM
fsr-3449	217	123	)	)	PUNCT
fsr-3449	217	124	$	$	SYM
fsr-3449	217	125	35k	35k	NOUN
fsr-3449	217	126	$	$	SYM
fsr-3449	217	127	50k	50k	NUM
fsr-3449	217	128	157	157	NUM
fsr-3449	217	129	(	(	PUNCT
fsr-3449	217	130	15.75	15.75	NUM
fsr-3449	217	131	)	)	PUNCT
fsr-3449	217	132	87	87	NUM
fsr-3449	217	133	(	(	PUNCT
fsr-3449	217	134	16.70	16.70	NUM
fsr-3449	217	135	)	)	PUNCT
fsr-3449	217	136	36	36	NUM
fsr-3449	217	137	(	(	PUNCT
fsr-3449	217	138	15.86	15.86	NUM
fsr-3449	217	139	)	)	PUNCT
fsr-3449	217	140	16	16	NUM
fsr-3449	217	141	(	(	PUNCT
fsr-3449	217	142	17.98	17.98	NUM
fsr-3449	217	143	)	)	PUNCT
fsr-3449	217	144	18	18	NUM
fsr-3449	217	145	(	(	PUNCT
fsr-3449	217	146	11.25	11.25	NUM
fsr-3449	217	147	)	)	PUNCT
fsr-3449	217	148	$	$	SYM
fsr-3449	217	149	50k	50k	NOUN
fsr-3449	217	150	$	$	SYM
fsr-3449	217	151	75k	75k	NOUN
fsr-3449	217	152	182	182	NUM
fsr-3449	217	153	(	(	PUNCT
fsr-3449	217	154	18.25	18.25	NUM
fsr-3449	217	155	)	)	PUNCT
fsr-3449	217	156	88	88	NUM
fsr-3449	217	157	(	(	PUNCT
fsr-3449	217	158	16.89	16.89	NUM
fsr-3449	217	159	)	)	PUNCT
fsr-3449	217	160	50	50	NUM
fsr-3449	217	161	(	(	PUNCT
fsr-3449	217	162	22.03	22.03	NUM
fsr-3449	217	163	)	)	PUNCT
fsr-3449	217	164	18	18	NUM
fsr-3449	217	165	(	(	PUNCT
fsr-3449	217	166	20.22	20.22	NUM
fsr-3449	217	167	)	)	PUNCT
fsr-3449	217	168	26	26	NUM
fsr-3449	217	169	(	(	PUNCT
fsr-3449	217	170	16.25	16.25	NUM
fsr-3449	217	171	)	)	PUNCT
fsr-3449	217	172	$	$	SYM
fsr-3449	217	173	75k	75k	NOUN
fsr-3449	217	174	$	$	SYM
fsr-3449	217	175	100k	100k	NUM
fsr-3449	217	176	128	128	NUM
fsr-3449	217	177	(	(	PUNCT
fsr-3449	217	178	12.84	12.84	NUM
fsr-3449	217	179	)	)	PUNCT
fsr-3449	217	180	39	39	NUM
fsr-3449	217	181	(	(	PUNCT
fsr-3449	217	182	7.49	7.49	NUM
fsr-3449	217	183	)	)	PUNCT
fsr-3449	217	184	43	43	NUM
fsr-3449	217	185	(	(	PUNCT
fsr-3449	217	186	18.94	18.94	NUM
fsr-3449	217	187	)	)	PUNCT
fsr-3449	217	188	11	11	NUM
fsr-3449	217	189	(	(	PUNCT
fsr-3449	217	190	12.36	12.36	NUM
fsr-3449	217	191	)	)	PUNCT
fsr-3449	217	192	35	35	NUM
fsr-3449	217	193	(	(	PUNCT
fsr-3449	217	194	21.88	21.88	NUM
fsr-3449	217	195	)	)	PUNCT
fsr-3449	217	196	$	$	SYM
fsr-3449	217	197	100k	100k	NUM
fsr-3449	217	198	$	$	SYM
fsr-3449	217	199	150k	150k	NUM
fsr-3449	217	200	105	105	NUM
fsr-3449	217	201	(	(	PUNCT
fsr-3449	217	202	10.53	10.53	NUM
fsr-3449	217	203	)	)	PUNCT
fsr-3449	217	204	27	27	NUM
fsr-3449	217	205	(	(	PUNCT
fsr-3449	217	206	5.18	5.18	NUM
fsr-3449	217	207	)	)	PUNCT
fsr-3449	217	208	38	38	NUM
fsr-3449	217	209	(	(	PUNCT
fsr-3449	217	210	16.74	16.74	NUM
fsr-3449	217	211	)	)	PUNCT
fsr-3449	217	212	13	13	NUM
fsr-3449	217	213	(	(	PUNCT
fsr-3449	217	214	14.61	14.61	NUM
fsr-3449	217	215	)	)	PUNCT
fsr-3449	217	216	27	27	NUM
fsr-3449	217	217	(	(	PUNCT
fsr-3449	217	218	16.88	16.88	NUM
fsr-3449	217	219	)	)	PUNCT
fsr-3449	217	220	over	over	ADP
fsr-3449	217	221	$	$	SYM
fsr-3449	217	222	150k	150k	NUM
fsr-3449	217	223	42	42	NUM
fsr-3449	217	224	(	(	PUNCT
fsr-3449	217	225	4.21	4.21	NUM
fsr-3449	217	226	)	)	PUNCT
fsr-3449	217	227	7	7	NUM
fsr-3449	217	228	(	(	PUNCT
fsr-3449	217	229	1.34	1.34	NUM
fsr-3449	217	230	)	)	PUNCT
fsr-3449	217	231	12	12	NUM
fsr-3449	217	232	(	(	PUNCT
fsr-3449	217	233	5.29	5.29	NUM
fsr-3449	217	234	)	)	SYM
fsr-3449	217	235	2	2	NUM
fsr-3449	217	236	(	(	PUNCT
fsr-3449	217	237	2.25	2.25	NUM
fsr-3449	217	238	)	)	PUNCT
fsr-3449	217	239	21	21	NUM
fsr-3449	217	240	(	(	PUNCT
fsr-3449	217	241	13.13	13.13	NUM
fsr-3449	217	242	)	)	PUNCT
fsr-3449	217	243	work	work	NOUN
fsr-3449	217	244	-	-	PUNCT
fsr-3449	217	245	status	status	NOUN
fsr-3449	217	246	(	(	PUNCT
fsr-3449	217	247	yes	yes	INTJ
fsr-3449	217	248	)	)	PUNCT
fsr-3449	217	249	657	657	NUM
fsr-3449	217	250	(	(	PUNCT
fsr-3449	217	251	65.90	65.90	NUM
fsr-3449	217	252	)	)	PUNCT
fsr-3449	217	253	315	315	NUM
fsr-3449	217	254	(	(	PUNCT
fsr-3449	217	255	60.46	60.46	NUM
fsr-3449	217	256	)	)	PUNCT
fsr-3449	217	257	167	167	NUM
fsr-3449	217	258	(	(	PUNCT
fsr-3449	217	259	7357	7357	NUM
fsr-3449	217	260	)	)	PUNCT
fsr-3449	217	261	44	44	NUM
fsr-3449	217	262	(	(	PUNCT
fsr-3449	217	263	49.44	49.44	NUM
fsr-3449	217	264	)	)	PUNCT
fsr-3449	217	265	131	131	NUM
fsr-3449	217	266	(	(	PUNCT
fsr-3449	217	267	81.88	81.88	NUM
fsr-3449	217	268	)	)	PUNCT
fsr-3449	217	269	education	education	NOUN
fsr-3449	217	270	high	high	ADJ
fsr-3449	217	271	school	school	NOUN
fsr-3449	217	272	/	/	SYM
fsr-3449	217	273	lower	low	ADJ
fsr-3449	217	274	235	235	NUM
fsr-3449	217	275	(	(	PUNCT
fsr-3449	217	276	23.57	23.57	NUM
fsr-3449	217	277	)	)	PUNCT
fsr-3449	217	278	154	154	NUM
fsr-3449	217	279	(	(	PUNCT
fsr-3449	217	280	29.56	29.56	NUM
fsr-3449	217	281	)	)	PUNCT
fsr-3449	217	282	37	37	NUM
fsr-3449	217	283	(	(	PUNCT
fsr-3449	217	284	16.30	16.30	NUM
fsr-3449	217	285	)	)	PUNCT
fsr-3449	217	286	15	15	NUM
fsr-3449	217	287	(	(	PUNCT
fsr-3449	217	288	16.85	16.85	NUM
fsr-3449	217	289	)	)	PUNCT
fsr-3449	217	290	29	29	NUM
fsr-3449	217	291	(	(	PUNCT
fsr-3449	217	292	18.13	18.13	NUM
fsr-3449	217	293	)	)	PUNCT
fsr-3449	217	294	associate	associate	NOUN
fsr-3449	217	295	degree	degree	NOUN
fsr-3449	217	296	303	303	NUM
fsr-3449	217	297	(	(	PUNCT
fsr-3449	217	298	30.39	30.39	NUM
fsr-3449	217	299	)	)	PUNCT
fsr-3449	217	300	167	167	NUM
fsr-3449	217	301	(	(	PUNCT
fsr-3449	217	302	32.05	32.05	NUM
fsr-3449	217	303	)	)	PUNCT
fsr-3449	217	304	72	72	NUM
fsr-3449	217	305	(	(	PUNCT
fsr-3449	217	306	31.72	31.72	NUM
fsr-3449	217	307	)	)	PUNCT
fsr-3449	217	308	29	29	NUM
fsr-3449	217	309	(	(	PUNCT
fsr-3449	217	310	32.58	32.58	NUM
fsr-3449	217	311	)	)	PUNCT
fsr-3449	217	312	35	35	NUM
fsr-3449	217	313	(	(	PUNCT
fsr-3449	217	314	21.88	21.88	NUM
fsr-3449	217	315	)	)	PUNCT
fsr-3449	217	316	bachelor	bachelor	NOUN
fsr-3449	217	317	degree	degree	NOUN
fsr-3449	217	318	321	321	NUM
fsr-3449	217	319	(	(	PUNCT
fsr-3449	217	320	32.20	32.20	NUM
fsr-3449	217	321	)	)	PUNCT
fsr-3449	217	322	148	148	NUM
fsr-3449	217	323	(	(	PUNCT
fsr-3449	217	324	28.41	28.41	NUM
fsr-3449	217	325	)	)	PUNCT
fsr-3449	217	326	90	90	NUM
fsr-3449	217	327	(	(	PUNCT
fsr-3449	217	328	39.65	39.65	NUM
fsr-3449	217	329	)	)	PUNCT
fsr-3449	217	330	26	26	NUM
fsr-3449	217	331	(	(	PUNCT
fsr-3449	217	332	29.21	29.21	NUM
fsr-3449	217	333	)	)	PUNCT
fsr-3449	217	334	57	57	NUM
fsr-3449	217	335	(	(	PUNCT
fsr-3449	217	336	35.63	35.63	NUM
fsr-3449	217	337	)	)	PUNCT
fsr-3449	217	338	graduate	graduate	NOUN
fsr-3449	217	339	/	/	SYM
fsr-3449	217	340	higher	high	ADJ
fsr-3449	217	341	138	138	NUM
fsr-3449	217	342	(	(	PUNCT
fsr-3449	217	343	13.84	13.84	NUM
fsr-3449	217	344	)	)	PUNCT
fsr-3449	217	345	52	52	NUM
fsr-3449	217	346	(	(	PUNCT
fsr-3449	217	347	9.98	9.98	NUM
fsr-3449	217	348	)	)	SYM
fsr-3449	217	349	28	28	NUM
fsr-3449	217	350	(	(	PUNCT
fsr-3449	217	351	12.33	12.33	NUM
fsr-3449	217	352	)	)	SYM
fsr-3449	217	353	19	19	NUM
fsr-3449	217	354	(	(	PUNCT
fsr-3449	217	355	21.35	21.35	NUM
fsr-3449	217	356	)	)	PUNCT
fsr-3449	217	357	39	39	NUM
fsr-3449	217	358	(	(	PUNCT
fsr-3449	217	359	24.38	24.38	NUM
fsr-3449	217	360	)	)	PUNCT
fsr-3449	217	361	race	race	NOUN
fsr-3449	217	362	/	/	SYM
fsr-3449	217	363	ethnicity	ethnicity	NOUN
fsr-3449	217	364	white	white	ADJ
fsr-3449	217	365	809	809	NUM
fsr-3449	217	366	(	(	PUNCT
fsr-3449	217	367	81.14	81.14	NUM
fsr-3449	217	368	)	)	PUNCT
fsr-3449	217	369	414	414	NUM
fsr-3449	217	370	(	(	PUNCT
fsr-3449	217	371	79.46	79.46	NUM
fsr-3449	217	372	)	)	PUNCT
fsr-3449	217	373	193	193	NUM
fsr-3449	217	374	(	(	PUNCT
fsr-3449	217	375	85.02	85.02	NUM
fsr-3449	217	376	)	)	PUNCT
fsr-3449	217	377	78	78	NUM
fsr-3449	217	378	(	(	PUNCT
fsr-3449	217	379	87.64	87.64	NUM
fsr-3449	217	380	)	)	PUNCT
fsr-3449	217	381	124	124	NUM
fsr-3449	217	382	(	(	PUNCT
fsr-3449	217	383	77.50	77.50	NUM
fsr-3449	217	384	)	)	PUNCT
fsr-3449	217	385	relationship	relationship	NOUN
fsr-3449	217	386	status	status	NOUN
fsr-3449	217	387	married	marry	VERB
fsr-3449	217	388	/	/	SYM
fsr-3449	217	389	coupled	couple	VERB
fsr-3449	217	390	544	544	NUM
fsr-3449	217	391	(	(	PUNCT
fsr-3449	217	392	54.46	54.46	NUM
fsr-3449	217	393	)	)	PUNCT
fsr-3449	217	394	227	227	NUM
fsr-3449	217	395	(	(	PUNCT
fsr-3449	217	396	43.57	43.57	NUM
fsr-3449	217	397	)	)	PUNCT
fsr-3449	217	398	153	153	NUM
fsr-3449	217	399	(	(	PUNCT
fsr-3449	217	400	67.40	67.40	NUM
fsr-3449	217	401	)	)	PUNCT
fsr-3449	217	402	54	54	NUM
fsr-3449	217	403	(	(	PUNCT
fsr-3449	217	404	60.67	60.67	NUM
fsr-3449	217	405	)	)	SYM
fsr-3449	217	406	111	111	NUM
fsr-3449	217	407	(	(	PUNCT
fsr-3449	217	408	69.38	69.38	NUM
fsr-3449	217	409	)	)	PUNCT
fsr-3449	217	410	note	note	NOUN
fsr-3449	217	411	:	:	PUNCT
fsr-3449	217	412	nb	nb	NOUN
fsr-3449	217	413	=	=	VERB
fsr-3449	217	414	net	net	ADJ
fsr-3449	217	415	balance	balance	NOUN
fsr-3449	217	416	;	;	PUNCT
fsr-3449	218	1	emer	emer	PROPN
fsr-3449	218	2	.	.	PUNCT
fsr-3449	218	3	funds	fund	NOUN
fsr-3449	218	4	=	=	SYM
fsr-3449	218	5	emergency	emergency	NOUN
fsr-3449	218	6	funds	fund	NOUN
fsr-3449	218	7	.	.	PUNCT
fsr-3449	219	1	w.	w.	PROPN
fsr-3449	219	2	heo	heo	PROPN
fsr-3449	219	3	et	et	PROPN
fsr-3449	219	4	al	al	PROPN
fsr-3449	219	5	.	.	PUNCT
fsr-3449	219	6	/	/	SYM
fsr-3449	219	7	financial	financial	ADJ
fsr-3449	219	8	services	service	NOUN
fsr-3449	219	9	review	review	VERB
fsr-3449	219	10	29	29	NUM
fsr-3449	219	11	(	(	PUNCT
fsr-3449	219	12	2021	2021	NUM
fsr-3449	219	13	)	)	PUNCT
fsr-3449	219	14	101–119	101–119	NUM
fsr-3449	219	15	111	111	NUM
fsr-3449	219	16	4.2	4.2	NUM
fsr-3449	219	17	.	.	PUNCT
fsr-3449	220	1	results	result	NOUN
fsr-3449	220	2	from	from	ADP
fsr-3449	220	3	logistic	logistic	ADJ
fsr-3449	220	4	estimation	estimation	NOUN
fsr-3449	220	5	and	and	CCONJ
fsr-3449	220	6	seemingly	seemingly	ADV
fsr-3449	220	7	unrelated	unrelated	ADJ
fsr-3449	220	8	estimation	estimation	NOUN
fsr-3449	220	9	table	table	NOUN
fsr-3449	220	10	3	3	NUM
fsr-3449	220	11	displays	display	VERB
fsr-3449	220	12	the	the	DET
fsr-3449	220	13	results	result	NOUN
fsr-3449	220	14	from	from	ADP
fsr-3449	220	15	the	the	DET
fsr-3449	220	16	four	four	NUM
fsr-3449	220	17	logistic	logistic	ADJ
fsr-3449	220	18	regression	regression	NOUN
fsr-3449	220	19	analyses	analysis	NOUN
fsr-3449	220	20	.	.	PUNCT
fsr-3449	221	1	financial	financial	ADJ
fsr-3449	221	2	status	status	NOUN
fsr-3449	221	3	characteristics	characteristic	NOUN
fsr-3449	221	4	were	be	AUX
fsr-3449	221	5	partially	partially	ADV
fsr-3449	221	6	associated	associate	VERB
fsr-3449	221	7	with	with	ADP
fsr-3449	221	8	having	have	VERB
fsr-3449	221	9	life	life	NOUN
fsr-3449	221	10	insurance	insurance	NOUN
fsr-3449	221	11	.	.	PUNCT
fsr-3449	222	1	the	the	DET
fsr-3449	222	2	negative	negative	ADJ
fsr-3449	222	3	net	net	ADJ
fsr-3449	222	4	balance	balance	NOUN
fsr-3449	222	5	was	be	AUX
fsr-3449	222	6	positively	positively	ADV
fsr-3449	222	7	associated	associate	VERB
fsr-3449	222	8	with	with	ADP
fsr-3449	222	9	having	have	VERB
fsr-3449	222	10	no	no	DET
fsr-3449	222	11	insurance	insurance	NOUN
fsr-3449	222	12	(	(	PUNCT
fsr-3449	222	13	coefficient¼	coefficient¼	ADV
fsr-3449	222	14	0.31	0.31	NUM
fsr-3449	222	15	,	,	PUNCT
fsr-3449	222	16	p	p	X
fsr-3449	222	17	<	<	X
fsr-3449	222	18	.10	.10	NUM
fsr-3449	222	19	)	)	PUNCT
fsr-3449	222	20	,	,	PUNCT
fsr-3449	222	21	meaning	mean	VERB
fsr-3449	222	22	that	that	SCONJ
fsr-3449	222	23	those	those	PRON
fsr-3449	222	24	with	with	ADP
fsr-3449	222	25	negative	negative	ADJ
fsr-3449	222	26	net	net	ADJ
fsr-3449	222	27	balances	balance	NOUN
fsr-3449	222	28	were	be	AUX
fsr-3449	222	29	less	less	ADV
fsr-3449	222	30	likely	likely	ADJ
fsr-3449	222	31	to	to	PART
fsr-3449	222	32	have	have	VERB
fsr-3449	222	33	any	any	PRON
fsr-3449	222	34	of	of	ADP
fsr-3449	222	35	either	either	PRON
fsr-3449	222	36	term	term	NOUN
fsr-3449	222	37	life	life	NOUN
fsr-3449	222	38	insurance	insurance	NOUN
fsr-3449	222	39	and	and	CCONJ
fsr-3449	222	40	cash	cash	NOUN
fsr-3449	222	41	value	value	NOUN
fsr-3449	222	42	life	life	NOUN
fsr-3449	222	43	insurance	insurance	NOUN
fsr-3449	222	44	.	.	PUNCT
fsr-3449	223	1	however	however	ADV
fsr-3449	223	2	,	,	PUNCT
fsr-3449	223	3	the	the	DET
fsr-3449	223	4	ownership	ownership	NOUN
fsr-3449	223	5	of	of	ADP
fsr-3449	223	6	emergency	emergency	NOUN
fsr-3449	223	7	funds	fund	NOUN
fsr-3449	223	8	works	work	VERB
fsr-3449	223	9	in	in	ADP
fsr-3449	223	10	the	the	DET
fsr-3449	223	11	opposite	opposite	ADJ
fsr-3449	223	12	direction	direction	NOUN
fsr-3449	223	13	,	,	PUNCT
fsr-3449	223	14	as	as	SCONJ
fsr-3449	223	15	those	those	PRON
fsr-3449	223	16	with	with	ADP
fsr-3449	223	17	emergency	emergency	NOUN
fsr-3449	223	18	funds	fund	NOUN
fsr-3449	223	19	tended	tend	VERB
fsr-3449	223	20	to	to	PART
fsr-3449	223	21	have	have	VERB
fsr-3449	223	22	no	no	DET
fsr-3449	223	23	term	term	NOUN
fsr-3449	223	24	life	life	NOUN
fsr-3449	223	25	insurance	insurance	NOUN
fsr-3449	223	26	or	or	CCONJ
fsr-3449	223	27	cash	cash	NOUN
fsr-3449	223	28	value	value	NOUN
fsr-3449	223	29	life	life	NOUN
fsr-3449	223	30	insurance	insurance	NOUN
fsr-3449	223	31	(	(	PUNCT
fsr-3449	223	32	coefficient	coefficient	NOUN
fsr-3449	223	33	=	=	SYM
fsr-3449	223	34	�	�	PROPN
fsr-3449	223	35	0.47	0.47	NUM
fsr-3449	223	36	,	,	PUNCT
fsr-3449	223	37	p	p	X
fsr-3449	223	38	<	<	X
fsr-3449	223	39	.01	.01	NUM
fsr-3449	223	40	)	)	PUNCT
fsr-3449	223	41	.	.	PUNCT
fsr-3449	224	1	they	they	PRON
fsr-3449	224	2	were	be	AUX
fsr-3449	224	3	also	also	ADV
fsr-3449	224	4	more	more	ADV
fsr-3449	224	5	likely	likely	ADJ
fsr-3449	224	6	to	to	PART
fsr-3449	224	7	have	have	VERB
fsr-3449	224	8	both	both	PRON
fsr-3449	224	9	term	term	NOUN
fsr-3449	224	10	life	life	NOUN
fsr-3449	224	11	insurance	insurance	NOUN
fsr-3449	224	12	and	and	CCONJ
fsr-3449	224	13	cash	cash	NOUN
fsr-3449	224	14	value	value	NOUN
fsr-3449	224	15	life	life	NOUN
fsr-3449	224	16	insurance	insurance	NOUN
fsr-3449	224	17	than	than	ADP
fsr-3449	224	18	those	those	PRON
fsr-3449	224	19	without	without	ADP
fsr-3449	224	20	emergency	emergency	NOUN
fsr-3449	224	21	funds	fund	NOUN
fsr-3449	224	22	(	(	PUNCT
fsr-3449	224	23	coefficient¼	coefficient¼	ADV
fsr-3449	224	24	0.72	0.72	NUM
fsr-3449	224	25	,	,	PUNCT
fsr-3449	224	26	p	p	X
fsr-3449	224	27	<	<	X
fsr-3449	224	28	.01	.01	NUM
fsr-3449	224	29	)	)	PUNCT
fsr-3449	224	30	.	.	PUNCT
fsr-3449	225	1	subjective	subjective	ADJ
fsr-3449	225	2	financial	financial	ADJ
fsr-3449	225	3	knowledge	knowledge	NOUN
fsr-3449	225	4	showed	show	VERB
fsr-3449	225	5	a	a	DET
fsr-3449	225	6	similar	similar	ADJ
fsr-3449	225	7	pattern	pattern	NOUN
fsr-3449	225	8	to	to	ADP
fsr-3449	225	9	the	the	DET
fsr-3449	225	10	emergency	emergency	NOUN
fsr-3449	225	11	fund	fund	NOUN
fsr-3449	225	12	variable	variable	NOUN
fsr-3449	225	13	.	.	PUNCT
fsr-3449	226	1	those	those	PRON
fsr-3449	226	2	who	who	PRON
fsr-3449	226	3	had	have	VERB
fsr-3449	226	4	a	a	DET
fsr-3449	226	5	higher	high	ADJ
fsr-3449	226	6	level	level	NOUN
fsr-3449	226	7	of	of	ADP
fsr-3449	226	8	subjective	subjective	ADJ
fsr-3449	226	9	financial	financial	ADJ
fsr-3449	226	10	knowledge	knowledge	NOUN
fsr-3449	226	11	were	be	AUX
fsr-3449	226	12	less	less	ADV
fsr-3449	226	13	likely	likely	ADJ
fsr-3449	226	14	to	to	PART
fsr-3449	226	15	have	have	VERB
fsr-3449	226	16	no	no	DET
fsr-3449	226	17	life	life	NOUN
fsr-3449	226	18	insurance	insurance	NOUN
fsr-3449	226	19	(	(	PUNCT
fsr-3449	226	20	coefficient	coefficient	NOUN
fsr-3449	226	21	=	=	SYM
fsr-3449	226	22	�	�	PROPN
fsr-3449	226	23	0.13	0.13	NUM
fsr-3449	226	24	,	,	PUNCT
fsr-3449	226	25	p	p	X
fsr-3449	226	26	<	<	X
fsr-3449	226	27	.05	.05	NUM
fsr-3449	226	28	)	)	PUNCT
fsr-3449	226	29	,	,	PUNCT
fsr-3449	226	30	and	and	CCONJ
fsr-3449	226	31	were	be	AUX
fsr-3449	226	32	also	also	ADV
fsr-3449	226	33	more	more	ADV
fsr-3449	226	34	likely	likely	ADJ
fsr-3449	226	35	to	to	PART
fsr-3449	226	36	have	have	VERB
fsr-3449	226	37	both	both	DET
fsr-3449	226	38	types	type	NOUN
fsr-3449	226	39	of	of	ADP
fsr-3449	226	40	insurance	insurance	NOUN
fsr-3449	226	41	(	(	PUNCT
fsr-3449	226	42	coefficient¼	coefficient¼	ADV
fsr-3449	226	43	0.26	0.26	NUM
fsr-3449	226	44	,	,	PUNCT
fsr-3449	226	45	p	p	X
fsr-3449	226	46	<	<	X
fsr-3449	226	47	.01	.01	NUM
fsr-3449	226	48	)	)	PUNCT
fsr-3449	226	49	.	.	PUNCT
fsr-3449	227	1	in	in	ADP
fsr-3449	227	2	terms	term	NOUN
fsr-3449	227	3	of	of	ADP
fsr-3449	227	4	financial	financial	ADJ
fsr-3449	227	5	risk	risk	NOUN
fsr-3449	227	6	tolerance	tolerance	NOUN
fsr-3449	227	7	,	,	PUNCT
fsr-3449	227	8	those	those	PRON
fsr-3449	227	9	who	who	PRON
fsr-3449	227	10	had	have	VERB
fsr-3449	227	11	a	a	DET
fsr-3449	227	12	higher	high	ADJ
fsr-3449	227	13	level	level	NOUN
fsr-3449	227	14	of	of	ADP
fsr-3449	227	15	financial	financial	ADJ
fsr-3449	227	16	risk	risk	NOUN
fsr-3449	227	17	tolerance	tolerance	NOUN
fsr-3449	227	18	tended	tend	VERB
fsr-3449	227	19	to	to	PART
fsr-3449	227	20	be	be	AUX
fsr-3449	227	21	less	less	ADV
fsr-3449	227	22	likely	likely	ADJ
fsr-3449	227	23	to	to	PART
fsr-3449	227	24	have	have	VERB
fsr-3449	227	25	no	no	DET
fsr-3449	227	26	life	life	NOUN
fsr-3449	227	27	insurance	insurance	NOUN
fsr-3449	227	28	(	(	PUNCT
fsr-3449	227	29	coefficient	coefficient	NOUN
fsr-3449	227	30	=	=	SYM
fsr-3449	227	31	�	�	PROPN
fsr-3449	227	32	0.03	0.03	NUM
fsr-3449	227	33	,	,	PUNCT
fsr-3449	227	34	p	p	X
fsr-3449	227	35	<	<	X
fsr-3449	227	36	.01	.01	NUM
fsr-3449	227	37	)	)	PUNCT
fsr-3449	227	38	and	and	CCONJ
fsr-3449	227	39	ownership	ownership	NOUN
fsr-3449	227	40	of	of	ADP
fsr-3449	227	41	term	term	NOUN
fsr-3449	227	42	life	life	NOUN
fsr-3449	227	43	insurance	insurance	NOUN
fsr-3449	227	44	(	(	PUNCT
fsr-3449	227	45	coefficient	coefficient	NOUN
fsr-3449	227	46	=	=	SYM
fsr-3449	227	47	�	�	PROPN
fsr-3449	227	48	0.04	0.04	NUM
fsr-3449	227	49	,	,	PUNCT
fsr-3449	227	50	p	p	X
fsr-3449	227	51	<	<	X
fsr-3449	227	52	.10	.10	NUM
fsr-3449	227	53	)	)	PUNCT
fsr-3449	227	54	.	.	PUNCT
fsr-3449	228	1	the	the	DET
fsr-3449	228	2	psychological	psychological	ADJ
fsr-3449	228	3	characteristics	characteristic	NOUN
fsr-3449	228	4	were	be	AUX
fsr-3449	228	5	also	also	ADV
fsr-3449	228	6	partially	partially	ADV
fsr-3449	228	7	associated	associate	VERB
fsr-3449	228	8	with	with	ADP
fsr-3449	228	9	the	the	DET
fsr-3449	228	10	ownership	ownership	NOUN
fsr-3449	228	11	of	of	ADP
fsr-3449	228	12	life	life	NOUN
fsr-3449	228	13	insurance	insurance	NOUN
fsr-3449	228	14	.	.	PUNCT
fsr-3449	229	1	first	first	ADV
fsr-3449	229	2	,	,	PUNCT
fsr-3449	229	3	locus	locus	NOUN
fsr-3449	229	4	of	of	ADP
fsr-3449	229	5	control	control	NOUN
fsr-3449	229	6	showed	show	VERB
fsr-3449	229	7	a	a	DET
fsr-3449	229	8	negative	negative	ADJ
fsr-3449	229	9	association	association	NOUN
fsr-3449	229	10	with	with	ADP
fsr-3449	229	11	no	no	DET
fsr-3449	229	12	-	-	PUNCT
fsr-3449	229	13	ownership	ownership	NOUN
fsr-3449	229	14	of	of	ADP
fsr-3449	229	15	any	any	DET
fsr-3449	229	16	term	term	NOUN
fsr-3449	229	17	life	life	NOUN
fsr-3449	229	18	insurance	insurance	NOUN
fsr-3449	229	19	or	or	CCONJ
fsr-3449	229	20	cash	cash	NOUN
fsr-3449	229	21	value	value	NOUN
fsr-3449	229	22	life	life	NOUN
fsr-3449	229	23	insurance	insurance	NOUN
fsr-3449	229	24	(	(	PUNCT
fsr-3449	229	25	coefficient	coefficient	NOUN
fsr-3449	229	26	=	=	SYM
fsr-3449	229	27	�	�	PROPN
fsr-3449	229	28	0.03	0.03	NUM
fsr-3449	229	29	,	,	PUNCT
fsr-3449	229	30	p	p	X
fsr-3449	229	31	<	<	X
fsr-3449	229	32	.10	.10	NUM
fsr-3449	229	33	)	)	PUNCT
fsr-3449	229	34	,	,	PUNCT
fsr-3449	229	35	but	but	CCONJ
fsr-3449	229	36	a	a	DET
fsr-3449	229	37	positive	positive	ADJ
fsr-3449	229	38	association	association	NOUN
fsr-3449	229	39	with	with	ADP
fsr-3449	229	40	the	the	DET
fsr-3449	229	41	ownership	ownership	NOUN
fsr-3449	229	42	of	of	ADP
fsr-3449	229	43	both	both	PRON
fsr-3449	229	44	term	term	NOUN
fsr-3449	229	45	life	life	NOUN
fsr-3449	229	46	insurance	insurance	NOUN
fsr-3449	229	47	and	and	CCONJ
fsr-3449	229	48	cash	cash	NOUN
fsr-3449	229	49	value	value	NOUN
fsr-3449	229	50	life	life	NOUN
fsr-3449	229	51	insurance	insurance	NOUN
fsr-3449	229	52	(	(	PUNCT
fsr-3449	229	53	coefficient¼	coefficient¼	ADV
fsr-3449	229	54	0.05	0.05	NUM
fsr-3449	229	55	,	,	PUNCT
fsr-3449	229	56	p	p	X
fsr-3449	229	57	<	<	X
fsr-3449	229	58	.05	.05	NUM
fsr-3449	229	59	)	)	PUNCT
fsr-3449	229	60	.	.	PUNCT
fsr-3449	230	1	this	this	PRON
fsr-3449	230	2	means	mean	VERB
fsr-3449	230	3	that	that	SCONJ
fsr-3449	230	4	a	a	DET
fsr-3449	230	5	person	person	NOUN
fsr-3449	230	6	with	with	ADP
fsr-3449	230	7	a	a	DET
fsr-3449	230	8	higher	high	ADJ
fsr-3449	230	9	level	level	NOUN
fsr-3449	230	10	of	of	ADP
fsr-3449	230	11	external	external	ADJ
fsr-3449	230	12	locus	locus	NOUN
fsr-3449	230	13	table	table	NOUN
fsr-3449	230	14	2	2	NUM
fsr-3449	230	15	descriptive	descriptive	ADJ
fsr-3449	230	16	statistics	statistic	NOUN
fsr-3449	230	17	of	of	ADP
fsr-3449	230	18	samples	sample	NOUN
fsr-3449	230	19	:	:	PUNCT
fsr-3449	230	20	continuous	continuous	ADJ
fsr-3449	230	21	factors	factor	NOUN
fsr-3449	230	22	total	total	NOUN
fsr-3449	230	23	sample	sample	NOUN
fsr-3449	230	24	(	(	PUNCT
fsr-3449	230	25	n5	n5	PROPN
fsr-3449	230	26	997	997	NUM
fsr-3449	230	27	)	)	PUNCT
fsr-3449	230	28	no	no	DET
fsr-3449	230	29	insurance	insurance	NOUN
fsr-3449	230	30	(	(	PUNCT
fsr-3449	230	31	n5	n5	PROPN
fsr-3449	230	32	521	521	NUM
fsr-3449	230	33	)	)	PUNCT
fsr-3449	230	34	term	term	NOUN
fsr-3449	230	35	only	only	ADV
fsr-3449	230	36	(	(	PUNCT
fsr-3449	230	37	n5	n5	PROPN
fsr-3449	230	38	227	227	NUM
fsr-3449	230	39	)	)	PUNCT
fsr-3449	230	40	cash	cash	NOUN
fsr-3449	230	41	-	-	PUNCT
fsr-3449	230	42	value	value	NOUN
fsr-3449	230	43	only	only	ADV
fsr-3449	230	44	(	(	PUNCT
fsr-3449	230	45	n5	n5	PROPN
fsr-3449	230	46	89	89	NUM
fsr-3449	230	47	)	)	PUNCT
fsr-3449	230	48	both	both	DET
fsr-3449	230	49	insurance	insurance	NOUN
fsr-3449	230	50	(	(	PUNCT
fsr-3449	230	51	n5	n5	PROPN
fsr-3449	230	52	160	160	NUM
fsr-3449	230	53	)	)	PUNCT
fsr-3449	230	54	mean	mean	NOUN
fsr-3449	230	55	(	(	PUNCT
fsr-3449	230	56	sd	sd	NOUN
fsr-3449	230	57	)	)	PUNCT
fsr-3449	230	58	mean	mean	NOUN
fsr-3449	230	59	(	(	PUNCT
fsr-3449	230	60	sd	sd	NOUN
fsr-3449	230	61	)	)	PUNCT
fsr-3449	230	62	mean	mean	NOUN
fsr-3449	230	63	(	(	PUNCT
fsr-3449	230	64	sd	sd	NOUN
fsr-3449	230	65	)	)	PUNCT
fsr-3449	230	66	mean	mean	NOUN
fsr-3449	230	67	(	(	PUNCT
fsr-3449	230	68	sd	sd	NOUN
fsr-3449	230	69	)	)	PUNCT
fsr-3449	230	70	mean	mean	NOUN
fsr-3449	230	71	(	(	PUNCT
fsr-3449	230	72	sd	sd	NOUN
fsr-3449	230	73	)	)	PUNCT
fsr-3449	230	74	financial	financial	ADJ
fsr-3449	230	75	status	status	NOUN
fsr-3449	230	76	characteristics	characteristic	NOUN
fsr-3449	230	77	frt	frt	NOUN
fsr-3449	230	78	20.67	20.67	NUM
fsr-3449	230	79	(	(	PUNCT
fsr-3449	230	80	4.26	4.26	NUM
fsr-3449	230	81	)	)	PUNCT
fsr-3449	230	82	20.22	20.22	NUM
fsr-3449	230	83	(	(	PUNCT
fsr-3449	230	84	4.09	4.09	NUM
fsr-3449	230	85	)	)	PUNCT
fsr-3449	230	86	20.26	20.26	NUM
fsr-3449	230	87	(	(	PUNCT
fsr-3449	230	88	3.69	3.69	NUM
fsr-3449	230	89	)	)	PUNCT
fsr-3449	230	90	20.54	20.54	NUM
fsr-3449	230	91	(	(	PUNCT
fsr-3449	230	92	4.20	4.20	NUM
fsr-3449	230	93	)	)	PUNCT
fsr-3449	230	94	22.80	22.80	NUM
fsr-3449	230	95	(	(	PUNCT
fsr-3449	230	96	4.92	4.92	NUM
fsr-3449	230	97	)	)	PUNCT
fsr-3449	230	98	sub	sub	NOUN
fsr-3449	230	99	.	.	PUNCT
fsr-3449	230	100	fk	fk	INTJ
fsr-3449	230	101	.	.	PUNCT
fsr-3449	230	102	3.71	3.71	NUM
fsr-3449	230	103	(	(	PUNCT
fsr-3449	230	104	1.58	1.58	NUM
fsr-3449	230	105	)	)	PUNCT
fsr-3449	230	106	3.39	3.39	NUM
fsr-3449	230	107	(	(	PUNCT
fsr-3449	230	108	1.50	1.50	NUM
fsr-3449	230	109	)	)	PUNCT
fsr-3449	230	110	3.68	3.68	NUM
fsr-3449	230	111	(	(	PUNCT
fsr-3449	230	112	1.50	1.50	NUM
fsr-3449	230	113	)	)	PUNCT
fsr-3449	230	114	3.88	3.88	NUM
fsr-3449	230	115	(	(	PUNCT
fsr-3449	230	116	1.42	1.42	NUM
fsr-3449	230	117	)	)	PUNCT
fsr-3449	230	118	4.71	4.71	NUM
fsr-3449	230	119	(	(	PUNCT
fsr-3449	230	120	1.61	1.61	NUM
fsr-3449	230	121	)	)	PUNCT
fsr-3449	230	122	demographic	demographic	ADJ
fsr-3449	230	123	characteristics	characteristic	NOUN
fsr-3449	230	124	health	health	NOUN
fsr-3449	230	125	status	status	NOUN
fsr-3449	230	126	0.72	0.72	NUM
fsr-3449	230	127	(	(	PUNCT
fsr-3449	230	128	0.45	0.45	NUM
fsr-3449	230	129	)	)	PUNCT
fsr-3449	230	130	0.65	0.65	NUM
fsr-3449	230	131	(	(	PUNCT
fsr-3449	230	132	0.48	0.48	NUM
fsr-3449	230	133	)	)	PUNCT
fsr-3449	230	134	0.74	0.74	NUM
fsr-3449	230	135	(	(	PUNCT
fsr-3449	230	136	0.44	0.44	NUM
fsr-3449	230	137	)	)	PUNCT
fsr-3449	230	138	0.87	0.87	NUM
fsr-3449	230	139	(	(	PUNCT
fsr-3449	230	140	0.34	0.34	NUM
fsr-3449	230	141	)	)	PUNCT
fsr-3449	230	142	0.86	0.86	NUM
fsr-3449	230	143	(	(	PUNCT
fsr-3449	230	144	0.35	0.35	NUM
fsr-3449	230	145	)	)	PUNCT
fsr-3449	230	146	no	no	NOUN
fsr-3449	230	147	.	.	PUNCT
fsr-3449	231	1	children	child	NOUN
fsr-3449	231	2	0.71	0.71	NUM
fsr-3449	231	3	(	(	PUNCT
fsr-3449	231	4	1.15	1.15	NUM
fsr-3449	231	5	)	)	PUNCT
fsr-3449	231	6	0.63	0.63	NUM
fsr-3449	231	7	(	(	PUNCT
fsr-3449	231	8	1.17	1.17	NUM
fsr-3449	231	9	)	)	PUNCT
fsr-3449	231	10	0.78	0.78	NUM
fsr-3449	231	11	(	(	PUNCT
fsr-3449	231	12	1.10	1.10	NUM
fsr-3449	231	13	)	)	PUNCT
fsr-3449	231	14	0.38	0.38	NUM
fsr-3449	231	15	(	(	PUNCT
fsr-3449	231	16	0.89	0.89	NUM
fsr-3449	231	17	)	)	PUNCT
fsr-3449	231	18	1.04	1.04	NUM
fsr-3449	231	19	(	(	PUNCT
fsr-3449	231	20	1.20	1.20	NUM
fsr-3449	231	21	)	)	PUNCT
fsr-3449	231	22	age	age	NOUN
fsr-3449	231	23	47.02	47.02	NUM
fsr-3449	231	24	(	(	PUNCT
fsr-3449	231	25	15.90	15.90	NUM
fsr-3449	231	26	)	)	PUNCT
fsr-3449	231	27	45.55	45.55	NUM
fsr-3449	231	28	(	(	PUNCT
fsr-3449	231	29	16.08	16.08	NUM
fsr-3449	231	30	)	)	PUNCT
fsr-3449	231	31	47.56	47.56	NUM
fsr-3449	231	32	(	(	PUNCT
fsr-3449	231	33	15.19	15.19	NUM
fsr-3449	231	34	)	)	PUNCT
fsr-3449	231	35	56.06	56.06	NUM
fsr-3449	231	36	(	(	PUNCT
fsr-3449	231	37	13.84	13.84	NUM
fsr-3449	231	38	)	)	PUNCT
fsr-3449	231	39	44.36	44.36	NUM
fsr-3449	231	40	(	(	PUNCT
fsr-3449	231	41	14.46	14.46	NUM
fsr-3449	231	42	)	)	PUNCT
fsr-3449	231	43	psychological	psychological	ADJ
fsr-3449	231	44	characteristics	characteristic	NOUN
fsr-3449	231	45	loc	loc	PROPN
fsr-3449	231	46	24.87	24.87	NUM
fsr-3449	231	47	(	(	PUNCT
fsr-3449	231	48	4.91	4.91	NUM
fsr-3449	231	49	)	)	PUNCT
fsr-3449	231	50	24.85	24.85	NUM
fsr-3449	231	51	(	(	PUNCT
fsr-3449	231	52	4.57	4.57	NUM
fsr-3449	231	53	)	)	PUNCT
fsr-3449	231	54	24.20	24.20	NUM
fsr-3449	231	55	(	(	PUNCT
fsr-3449	231	56	3.81	3.81	NUM
fsr-3449	231	57	)	)	PUNCT
fsr-3449	231	58	23.73	23.73	NUM
fsr-3449	231	59	(	(	PUNCT
fsr-3449	231	60	4.33	4.33	NUM
fsr-3449	231	61	)	)	PUNCT
fsr-3449	231	62	26.56	26.56	NUM
fsr-3449	231	63	(	(	PUNCT
fsr-3449	231	64	6.89	6.89	NUM
fsr-3449	231	65	)	)	PUNCT
fsr-3449	231	66	f	f	NOUN
fsr-3449	231	67	-	-	PUNCT
fsr-3449	231	68	satisfaction	satisfaction	NOUN
fsr-3449	231	69	21.16	21.16	NUM
fsr-3449	231	70	(	(	PUNCT
fsr-3449	231	71	7.34	7.34	NUM
fsr-3449	231	72	)	)	PUNCT
fsr-3449	231	73	19.62	19.62	NUM
fsr-3449	231	74	(	(	PUNCT
fsr-3449	231	75	7.10	7.10	NUM
fsr-3449	231	76	)	)	PUNCT
fsr-3449	231	77	21.04	21.04	NUM
fsr-3449	231	78	(	(	PUNCT
fsr-3449	231	79	6.75	6.75	NUM
fsr-3449	231	80	)	)	PUNCT
fsr-3449	231	81	24.37	24.37	NUM
fsr-3449	231	82	(	(	PUNCT
fsr-3449	231	83	6.89	6.89	NUM
fsr-3449	231	84	)	)	PUNCT
fsr-3449	231	85	24.59	24.59	NUM
fsr-3449	231	86	(	(	PUNCT
fsr-3449	231	87	7.50	7.50	NUM
fsr-3449	231	88	)	)	PUNCT
fsr-3449	231	89	f	f	NOUN
fsr-3449	231	90	-	-	PUNCT
fsr-3449	231	91	self	self	NOUN
fsr-3449	231	92	15.15	15.15	NUM
fsr-3449	231	93	(	(	PUNCT
fsr-3449	231	94	5.04	5.04	NUM
fsr-3449	231	95	)	)	PUNCT
fsr-3449	231	96	15.59	15.59	NUM
fsr-3449	231	97	(	(	PUNCT
fsr-3449	231	98	5.00	5.00	NUM
fsr-3449	231	99	)	)	PUNCT
fsr-3449	231	100	14.90	14.90	NUM
fsr-3449	231	101	(	(	PUNCT
fsr-3449	231	102	4.82	4.82	NUM
fsr-3449	231	103	)	)	PUNCT
fsr-3449	231	104	12.70	12.70	NUM
fsr-3449	231	105	(	(	PUNCT
fsr-3449	231	106	4.55	4.55	NUM
fsr-3449	231	107	)	)	PUNCT
fsr-3449	231	108	15.44	15.44	NUM
fsr-3449	231	109	(	(	PUNCT
fsr-3449	231	110	5.36	5.36	NUM
fsr-3449	231	111	)	)	PUNCT
fsr-3449	231	112	l	l	NOUN
fsr-3449	231	113	-	-	NOUN
fsr-3449	231	114	satisfaction	satisfaction	NOUN
fsr-3449	231	115	20.92	20.92	NUM
fsr-3449	231	116	(	(	PUNCT
fsr-3449	231	117	8.35	8.35	NUM
fsr-3449	231	118	)	)	PUNCT
fsr-3449	231	119	18.90	18.90	NUM
fsr-3449	231	120	(	(	PUNCT
fsr-3449	231	121	8.28	8.28	NUM
fsr-3449	231	122	)	)	PUNCT
fsr-3449	231	123	22.08	22.08	NUM
fsr-3449	231	124	(	(	PUNCT
fsr-3449	231	125	7.53	7.53	NUM
fsr-3449	231	126	)	)	PUNCT
fsr-3449	231	127	22.46	22.46	NUM
fsr-3449	231	128	(	(	PUNCT
fsr-3449	231	129	7.53	7.53	NUM
fsr-3449	231	130	)	)	PUNCT
fsr-3449	231	131	25.00	25.00	NUM
fsr-3449	231	132	(	(	PUNCT
fsr-3449	231	133	8.15	8.15	NUM
fsr-3449	231	134	)	)	PUNCT
fsr-3449	231	135	note	note	NOUN
fsr-3449	231	136	:	:	PUNCT
fsr-3449	231	137	frt	frt	NOUN
fsr-3449	231	138	=	=	PUNCT
fsr-3449	231	139	financial	financial	ADJ
fsr-3449	231	140	risk	risk	NOUN
fsr-3449	231	141	tolerance	tolerance	NOUN
fsr-3449	231	142	;	;	PUNCT
fsr-3449	231	143	sub	sub	NOUN
fsr-3449	231	144	.	.	NOUN
fsr-3449	231	145	fk	fk	INTJ
fsr-3449	231	146	.	.	PUNCT
fsr-3449	232	1	=	=	PUNCT
fsr-3449	232	2	subjective	subjective	ADJ
fsr-3449	232	3	financial	financial	ADJ
fsr-3449	232	4	knowledge	knowledge	NOUN
fsr-3449	232	5	;	;	PUNCT
fsr-3449	232	6	char	char	NOUN
fsr-3449	232	7	.	.	PUNCT
fsr-3449	233	1	=	=	NOUN
fsr-3449	233	2	characteristics	characteristic	NOUN
fsr-3449	233	3	;	;	PUNCT
fsr-3449	233	4	loc	loc	NOUN
fsr-3449	233	5	=	=	NOUN
fsr-3449	233	6	locus	locus	NOUN
fsr-3449	233	7	of	of	ADP
fsr-3449	233	8	control	control	NOUN
fsr-3449	233	9	;	;	PUNCT
fsr-3449	233	10	f	f	X
fsr-3449	233	11	-	-	PUNCT
fsr-3449	233	12	satisfaction	satisfaction	NOUN
fsr-3449	233	13	=	=	SYM
fsr-3449	233	14	financial	financial	ADJ
fsr-3449	233	15	satisfaction	satisfaction	NOUN
fsr-3449	233	16	;	;	PUNCT
fsr-3449	233	17	f	f	X
fsr-3449	233	18	-	-	PUNCT
fsr-3449	233	19	self	self	NOUN
fsr-3449	233	20	=	=	SYM
fsr-3449	233	21	financial	financial	ADJ
fsr-3449	233	22	self	self	NOUN
fsr-3449	233	23	-	-	PUNCT
fsr-3449	233	24	efficacy	efficacy	NOUN
fsr-3449	233	25	;	;	PUNCT
fsr-3449	233	26	l	l	NOUN
fsr-3449	233	27	-	-	NOUN
fsr-3449	233	28	satisfaction	satisfaction	NOUN
fsr-3449	233	29	=	=	NOUN
fsr-3449	233	30	life	life	NOUN
fsr-3449	233	31	satisfaction	satisfaction	NOUN
fsr-3449	233	32	.	.	PUNCT
fsr-3449	234	1	112	112	NUM
fsr-3449	234	2	w.	w.	PROPN
fsr-3449	234	3	heo	heo	PROPN
fsr-3449	234	4	et	et	PROPN
fsr-3449	234	5	al	al	PROPN
fsr-3449	234	6	.	.	PUNCT
fsr-3449	234	7	/	/	SYM
fsr-3449	234	8	financial	financial	ADJ
fsr-3449	234	9	services	service	NOUN
fsr-3449	234	10	review	review	VERB
fsr-3449	234	11	29	29	NUM
fsr-3449	234	12	(	(	PUNCT
fsr-3449	234	13	2021	2021	NUM
fsr-3449	234	14	)	)	PUNCT
fsr-3449	234	15	101–119	101–119	NUM
fsr-3449	234	16	table	table	NOUN
fsr-3449	234	17	3	3	NUM
fsr-3449	234	18	results	result	NOUN
fsr-3449	234	19	from	from	ADP
fsr-3449	234	20	logistic	logistic	ADJ
fsr-3449	234	21	regressions	regression	NOUN
fsr-3449	234	22	by	by	ADP
fsr-3449	234	23	types	type	NOUN
fsr-3449	234	24	of	of	ADP
fsr-3449	234	25	life	life	NOUN
fsr-3449	234	26	insurance	insurance	NOUN
fsr-3449	234	27	ownership	ownership	NOUN
fsr-3449	234	28	with	with	ADP
fsr-3449	234	29	seemingly	seemingly	ADV
fsr-3449	234	30	unrelated	unrelated	ADJ
fsr-3449	234	31	estimation	estimation	NOUN
fsr-3449	234	32	method	method	NOUN
fsr-3449	234	33	for	for	ADP
fsr-3449	234	34	robustness	robustness	NOUN
fsr-3449	234	35	model	model	NOUN
fsr-3449	234	36	1	1	NUM
fsr-3449	234	37	model	model	NOUN
fsr-3449	234	38	2	2	NUM
fsr-3449	234	39	model	model	NOUN
fsr-3449	234	40	3	3	NUM
fsr-3449	234	41	model	model	NOUN
fsr-3449	234	42	4	4	NUM
fsr-3449	234	43	no	no	DET
fsr-3449	234	44	insurance	insurance	NOUN
fsr-3449	234	45	term	term	NOUN
fsr-3449	234	46	life	life	NOUN
fsr-3449	234	47	only	only	ADV
fsr-3449	234	48	cash	cash	NOUN
fsr-3449	234	49	-	-	PUNCT
fsr-3449	234	50	value	value	NOUN
fsr-3449	234	51	only	only	ADV
fsr-3449	234	52	both	both	DET
fsr-3449	234	53	insurances	insurance	NOUN
fsr-3449	234	54	coefficient	coefficient	NOUN
fsr-3449	234	55	(	(	PUNCT
fsr-3449	234	56	robust	robust	ADJ
fsr-3449	234	57	se	se	ADJ
fsr-3449	234	58	)	)	PUNCT
fsr-3449	234	59	coefficient	coefficient	NOUN
fsr-3449	234	60	(	(	PUNCT
fsr-3449	234	61	robust	robust	ADJ
fsr-3449	234	62	se	se	ADJ
fsr-3449	234	63	)	)	PUNCT
fsr-3449	234	64	coefficient	coefficient	NOUN
fsr-3449	234	65	(	(	PUNCT
fsr-3449	234	66	robust	robust	ADJ
fsr-3449	234	67	se	se	ADJ
fsr-3449	234	68	)	)	PUNCT
fsr-3449	234	69	coefficient	coefficient	NOUN
fsr-3449	234	70	(	(	PUNCT
fsr-3449	234	71	robust	robust	ADJ
fsr-3449	234	72	se	se	X
fsr-3449	234	73	)	)	PUNCT
fsr-3449	234	74	fs	fs	ADP
fsr-3449	234	75	characteristics	characteristic	NOUN
fsr-3449	234	76	negative	negative	ADJ
fsr-3449	234	77	nb	nb	PROPN
fsr-3449	234	78	0.31†	0.31†	PROPN
fsr-3449	234	79	(	(	PUNCT
fsr-3449	234	80	0.18	0.18	NUM
fsr-3449	234	81	)	)	PUNCT
fsr-3449	234	82	�	�	PROPN
fsr-3449	234	83	0.11	0.11	NUM
fsr-3449	234	84	(	(	PUNCT
fsr-3449	234	85	0.21	0.21	NUM
fsr-3449	234	86	)	)	PUNCT
fsr-3449	234	87	�	�	PROPN
fsr-3449	234	88	0.54	0.54	NUM
fsr-3449	234	89	(	(	PUNCT
fsr-3449	234	90	0.41	0.41	NUM
fsr-3449	234	91	)	)	PUNCT
fsr-3449	234	92	�	�	PROPN
fsr-3449	234	93	0.37	0.37	NUM
fsr-3449	234	94	(	(	PUNCT
fsr-3449	234	95	0.27	0.27	NUM
fsr-3449	234	96	)	)	PUNCT
fsr-3449	234	97	emer	emer	PROPN
fsr-3449	234	98	.	.	PUNCT
fsr-3449	235	1	funds	fund	NOUN
fsr-3449	235	2	(	(	PUNCT
fsr-3449	235	3	yes¼	yes¼	PROPN
fsr-3449	235	4	1	1	NUM
fsr-3449	235	5	)	)	PUNCT
fsr-3449	235	6	�	�	PROPN
fsr-3449	235	7	0.47	0.47	NUM
fsr-3449	235	8	*	*	NOUN
fsr-3449	235	9	*	*	PUNCT
fsr-3449	235	10	(	(	PUNCT
fsr-3449	235	11	0.18	0.18	NUM
fsr-3449	235	12	)	)	PUNCT
fsr-3449	235	13	�	�	PROPN
fsr-3449	235	14	0.16	0.16	NUM
fsr-3449	235	15	(	(	PUNCT
fsr-3449	235	16	0.20	0.20	NUM
fsr-3449	235	17	)	)	PUNCT
fsr-3449	235	18	0.51	0.51	NUM
fsr-3449	235	19	(	(	PUNCT
fsr-3449	235	20	0.35	0.35	NUM
fsr-3449	235	21	)	)	PUNCT
fsr-3449	235	22	0.72	0.72	NUM
fsr-3449	235	23	*	*	PUNCT
fsr-3449	235	24	*	*	PUNCT
fsr-3449	235	25	(	(	PUNCT
fsr-3449	235	26	0.23	0.23	NUM
fsr-3449	235	27	)	)	PUNCT
fsr-3449	235	28	frt	frt	NOUN
fsr-3449	235	29	0.02	0.02	NUM
fsr-3449	235	30	(	(	PUNCT
fsr-3449	235	31	0.02	0.02	NUM
fsr-3449	235	32	)	)	PUNCT
fsr-3449	235	33	�	�	NOUN
fsr-3449	235	34	0.04†	0.04†	NUM
fsr-3449	235	35	(	(	PUNCT
fsr-3449	235	36	0.02	0.02	NUM
fsr-3449	235	37	)	)	PUNCT
fsr-3449	235	38	�	�	NOUN
fsr-3449	235	39	0.04	0.04	NUM
fsr-3449	235	40	(	(	PUNCT
fsr-3449	235	41	0.03	0.03	NUM
fsr-3449	235	42	)	)	PUNCT
fsr-3449	235	43	0.02	0.02	NUM
fsr-3449	235	44	(	(	PUNCT
fsr-3449	235	45	0.03	0.03	NUM
fsr-3449	235	46	)	)	PUNCT
fsr-3449	235	47	sub	sub	NOUN
fsr-3449	235	48	.	.	PUNCT
fsr-3449	235	49	fk	fk	PROPN
fsr-3449	235	50	�	�	PROPN
fsr-3449	235	51	0.13	0.13	NUM
fsr-3449	235	52	*	*	PUNCT
fsr-3449	235	53	(	(	PUNCT
fsr-3449	235	54	0.06	0.06	NUM
fsr-3449	235	55	)	)	PUNCT
fsr-3449	235	56	0.01	0.01	NUM
fsr-3449	235	57	(	(	PUNCT
fsr-3449	235	58	0.07	0.07	NUM
fsr-3449	235	59	)	)	PUNCT
fsr-3449	235	60	�	�	NOUN
fsr-3449	235	61	0.05	0.05	NUM
fsr-3449	235	62	(	(	PUNCT
fsr-3449	235	63	0.09	0.09	NUM
fsr-3449	235	64	)	)	PUNCT
fsr-3449	235	65	0.26	0.26	NUM
fsr-3449	235	66	*	*	PUNCT
fsr-3449	235	67	*	*	PUNCT
fsr-3449	235	68	(	(	PUNCT
fsr-3449	235	69	0.09	0.09	NUM
fsr-3449	235	70	)	)	PUNCT
fsr-3449	235	71	psychological	psychological	ADJ
fsr-3449	235	72	characteristics	characteristics	PROPN
fsr-3449	235	73	loc	loc	PROPN
fsr-3449	235	74	�	�	PROPN
fsr-3449	235	75	0.03†	0.03†	PROPN
fsr-3449	235	76	(	(	PUNCT
fsr-3449	235	77	0.02	0.02	NUM
fsr-3449	235	78	)	)	PUNCT
fsr-3449	235	79	�	�	PROPN
fsr-3449	235	80	0.03	0.03	NUM
fsr-3449	235	81	(	(	PUNCT
fsr-3449	235	82	0.02	0.02	NUM
fsr-3449	235	83	)	)	PUNCT
fsr-3449	235	84	0.03	0.03	NUM
fsr-3449	235	85	(	(	PUNCT
fsr-3449	235	86	0.03	0.03	NUM
fsr-3449	235	87	)	)	PUNCT
fsr-3449	235	88	0.05	0.05	NUM
fsr-3449	235	89	*	*	PUNCT
fsr-3449	235	90	(	(	PUNCT
fsr-3449	235	91	0.02	0.02	NUM
fsr-3449	235	92	)	)	PUNCT
fsr-3449	235	93	f	f	X
fsr-3449	235	94	-	-	PUNCT
fsr-3449	235	95	satisfaction	satisfaction	NOUN
fsr-3449	235	96	�	�	PROPN
fsr-3449	235	97	0.00	0.00	NUM
fsr-3449	235	98	(	(	PUNCT
fsr-3449	235	99	0.02	0.02	NUM
fsr-3449	235	100	)	)	PUNCT
fsr-3449	235	101	�	�	NOUN
fsr-3449	235	102	0.03	0.03	NUM
fsr-3449	235	103	*	*	PUNCT
fsr-3449	235	104	(	(	PUNCT
fsr-3449	235	105	0.02	0.02	NUM
fsr-3449	235	106	)	)	PUNCT
fsr-3449	235	107	0.01	0.01	NUM
fsr-3449	235	108	(	(	PUNCT
fsr-3449	235	109	0.03	0.03	NUM
fsr-3449	235	110	)	)	PUNCT
fsr-3449	235	111	0.02	0.02	NUM
fsr-3449	235	112	(	(	PUNCT
fsr-3449	235	113	0.02	0.02	NUM
fsr-3449	235	114	)	)	PUNCT
fsr-3449	235	115	f	f	X
fsr-3449	235	116	-	-	PUNCT
fsr-3449	235	117	self	self	NOUN
fsr-3449	235	118	�	�	NOUN
fsr-3449	235	119	0.04†	0.04†	NUM
fsr-3449	235	120	(	(	PUNCT
fsr-3449	235	121	0.02	0.02	NUM
fsr-3449	235	122	)	)	PUNCT
fsr-3449	235	123	�	�	PROPN
fsr-3449	235	124	0.00	0.00	NUM
fsr-3449	235	125	(	(	PUNCT
fsr-3449	235	126	0.02	0.02	NUM
fsr-3449	235	127	)	)	PUNCT
fsr-3449	235	128	�	�	NOUN
fsr-3449	235	129	0.05†	0.05†	PROPN
fsr-3449	235	130	(	(	PUNCT
fsr-3449	235	131	0.03	0.03	NUM
fsr-3449	235	132	)	)	PUNCT
fsr-3449	235	133	0.08	0.08	NUM
fsr-3449	235	134	*	*	PUNCT
fsr-3449	235	135	*	*	PUNCT
fsr-3449	235	136	(	(	PUNCT
fsr-3449	235	137	0.03	0.03	NUM
fsr-3449	235	138	)	)	PUNCT
fsr-3449	235	139	l	l	NOUN
fsr-3449	235	140	-	-	PUNCT
fsr-3449	235	141	satisfaction	satisfaction	NOUN
fsr-3449	235	142	�	�	NOUN
fsr-3449	235	143	0.03	0.03	NUM
fsr-3449	235	144	*	*	PUNCT
fsr-3449	235	145	(	(	PUNCT
fsr-3449	235	146	0.02	0.02	NUM
fsr-3449	235	147	)	)	PUNCT
fsr-3449	235	148	0.03	0.03	NUM
fsr-3449	235	149	*	*	SYM
fsr-3449	235	150	(	(	PUNCT
fsr-3449	235	151	0.01	0.01	NUM
fsr-3449	235	152	)	)	PUNCT
fsr-3449	235	153	�	�	PROPN
fsr-3449	235	154	0.03	0.03	NUM
fsr-3449	235	155	(	(	PUNCT
fsr-3449	235	156	0.02	0.02	NUM
fsr-3449	235	157	)	)	PUNCT
fsr-3449	235	158	0.02	0.02	NUM
fsr-3449	235	159	(	(	PUNCT
fsr-3449	235	160	0.02	0.02	NUM
fsr-3449	235	161	)	)	PUNCT
fsr-3449	235	162	demographic	demographic	ADJ
fsr-3449	235	163	characteristics	characteristic	NOUN
fsr-3449	235	164	gender	gender	NOUN
fsr-3449	235	165	(	(	PUNCT
fsr-3449	235	166	female¼	female¼	PROPN
fsr-3449	235	167	1	1	NUM
fsr-3449	235	168	)	)	PUNCT
fsr-3449	235	169	0.14	0.14	NUM
fsr-3449	235	170	(	(	PUNCT
fsr-3449	235	171	0.19	0.19	NUM
fsr-3449	235	172	)	)	PUNCT
fsr-3449	235	173	0.22	0.22	NUM
fsr-3449	235	174	(	(	PUNCT
fsr-3449	235	175	0.22	0.22	NUM
fsr-3449	235	176	)	)	PUNCT
fsr-3449	235	177	�	�	NOUN
fsr-3449	235	178	0.90	0.90	NUM
fsr-3449	235	179	*	*	NOUN
fsr-3449	235	180	*	*	PUNCT
fsr-3449	235	181	(	(	PUNCT
fsr-3449	235	182	0.28	0.28	NUM
fsr-3449	235	183	)	)	PUNCT
fsr-3449	235	184	0.22	0.22	NUM
fsr-3449	235	185	(	(	PUNCT
fsr-3449	235	186	0.23	0.23	NUM
fsr-3449	235	187	)	)	PUNCT
fsr-3449	235	188	income	income	NOUN
fsr-3449	235	189	$	$	SYM
fsr-3449	235	190	15k	15k	NUM
fsr-3449	235	191	$	$	SYM
fsr-3449	235	192	25k	25k	NUM
fsr-3449	235	193	�	�	NOUN
fsr-3449	235	194	0.07	0.07	NUM
fsr-3449	235	195	(	(	PUNCT
fsr-3449	235	196	0.33	0.33	NUM
fsr-3449	235	197	)	)	PUNCT
fsr-3449	235	198	�	�	NOUN
fsr-3449	235	199	0.58	0.58	NUM
fsr-3449	235	200	(	(	PUNCT
fsr-3449	235	201	0.49	0.49	NUM
fsr-3449	235	202	)	)	PUNCT
fsr-3449	235	203	0.06	0.06	NUM
fsr-3449	235	204	(	(	PUNCT
fsr-3449	235	205	0.59	0.59	NUM
fsr-3449	235	206	)	)	PUNCT
fsr-3449	235	207	0.91	0.91	NUM
fsr-3449	235	208	(	(	PUNCT
fsr-3449	235	209	0.55	0.55	NUM
fsr-3449	235	210	)	)	PUNCT
fsr-3449	235	211	$	$	SYM
fsr-3449	235	212	25k	25k	NUM
fsr-3449	235	213	$	$	SYM
fsr-3449	235	214	35k	35k	NUM
fsr-3449	235	215	�	�	NOUN
fsr-3449	235	216	0.74	0.74	NUM
fsr-3449	235	217	*	*	PUNCT
fsr-3449	235	218	(	(	PUNCT
fsr-3449	235	219	0.30	0.30	NUM
fsr-3449	235	220	)	)	PUNCT
fsr-3449	235	221	0.70†	0.70†	NUM
fsr-3449	235	222	(	(	PUNCT
fsr-3449	235	223	0.39	0.39	NUM
fsr-3449	235	224	)	)	PUNCT
fsr-3449	235	225	0.14	0.14	NUM
fsr-3449	235	226	(	(	PUNCT
fsr-3449	235	227	0.55	0.55	NUM
fsr-3449	235	228	)	)	PUNCT
fsr-3449	235	229	0.95†	0.95†	NUM
fsr-3449	235	230	(	(	PUNCT
fsr-3449	235	231	0.51	0.51	NUM
fsr-3449	235	232	)	)	PUNCT
fsr-3449	235	233	$	$	SYM
fsr-3449	235	234	35k	35k	NOUN
fsr-3449	235	235	$	$	SYM
fsr-3449	235	236	50k	50k	NUM
fsr-3449	235	237	�	�	NOUN
fsr-3449	235	238	0.88	0.88	NUM
fsr-3449	235	239	*	*	NOUN
fsr-3449	235	240	*	*	PUNCT
fsr-3449	235	241	(	(	PUNCT
fsr-3449	235	242	0.30	0.30	NUM
fsr-3449	235	243	)	)	PUNCT
fsr-3449	235	244	0.88	0.88	NUM
fsr-3449	235	245	*	*	PUNCT
fsr-3449	235	246	(	(	PUNCT
fsr-3449	235	247	0.39	0.39	NUM
fsr-3449	235	248	)	)	PUNCT
fsr-3449	235	249	0.10	0.10	NUM
fsr-3449	235	250	(	(	PUNCT
fsr-3449	235	251	0.53	0.53	NUM
fsr-3449	235	252	)	)	PUNCT
fsr-3449	235	253	0.99†	0.99†	PROPN
fsr-3449	235	254	(	(	PUNCT
fsr-3449	235	255	0.52	0.52	NUM
fsr-3449	235	256	)	)	PUNCT
fsr-3449	235	257	$	$	SYM
fsr-3449	235	258	50k	50k	NUM
fsr-3449	235	259	$	$	SYM
fsr-3449	235	260	75k	75k	NOUN
fsr-3449	235	261	�	�	NOUN
fsr-3449	235	262	0.97	0.97	NUM
fsr-3449	235	263	*	*	NOUN
fsr-3449	235	264	*	*	PUNCT
fsr-3449	235	265	(	(	PUNCT
fsr-3449	235	266	0.30	0.30	NUM
fsr-3449	235	267	)	)	PUNCT
fsr-3449	235	268	1.04	1.04	NUM
fsr-3449	235	269	*	*	PUNCT
fsr-3449	235	270	*	*	PUNCT
fsr-3449	235	271	(	(	PUNCT
fsr-3449	235	272	0.39	0.39	NUM
fsr-3449	235	273	)	)	PUNCT
fsr-3449	235	274	�	�	PROPN
fsr-3449	235	275	0.03	0.03	NUM
fsr-3449	235	276	(	(	PUNCT
fsr-3449	235	277	0.56	0.56	NUM
fsr-3449	235	278	)	)	PUNCT
fsr-3449	235	279	1.06	1.06	NUM
fsr-3449	235	280	*	*	SYM
fsr-3449	235	281	(	(	PUNCT
fsr-3449	235	282	0.50	0.50	NUM
fsr-3449	235	283	)	)	PUNCT
fsr-3449	235	284	$	$	SYM
fsr-3449	235	285	75k	75k	NOUN
fsr-3449	235	286	$	$	SYM
fsr-3449	235	287	100k	100k	NUM
fsr-3449	235	288	�	�	ADP
fsr-3449	235	289	1.65	1.65	NUM
fsr-3449	235	290	*	*	PUNCT
fsr-3449	235	291	*	*	PUNCT
fsr-3449	235	292	*	*	PUNCT
fsr-3449	235	293	(	(	PUNCT
fsr-3449	235	294	0.33	0.33	NUM
fsr-3449	235	295	)	)	PUNCT
fsr-3449	235	296	1.38	1.38	NUM
fsr-3449	235	297	*	*	PUNCT
fsr-3449	235	298	*	*	PUNCT
fsr-3449	235	299	(	(	PUNCT
fsr-3449	235	300	0.41	0.41	NUM
fsr-3449	235	301	)	)	PUNCT
fsr-3449	235	302	�	�	PROPN
fsr-3449	235	303	0.52	0.52	NUM
fsr-3449	235	304	(	(	PUNCT
fsr-3449	235	305	0.62	0.62	NUM
fsr-3449	235	306	)	)	PUNCT
fsr-3449	235	307	1.84	1.84	NUM
fsr-3449	235	308	*	*	PUNCT
fsr-3449	235	309	*	*	PUNCT
fsr-3449	235	310	*	*	PUNCT
fsr-3449	235	311	(	(	PUNCT
fsr-3449	235	312	0.51	0.51	NUM
fsr-3449	235	313	)	)	PUNCT
fsr-3449	235	314	$	$	SYM
fsr-3449	235	315	100k	100k	NUM
fsr-3449	235	316	$	$	SYM
fsr-3449	235	317	150k	150k	NUM
fsr-3449	235	318	�	�	NOUN
fsr-3449	235	319	1.64	1.64	NUM
fsr-3449	235	320	*	*	PUNCT
fsr-3449	235	321	*	*	PUNCT
fsr-3449	235	322	*	*	PUNCT
fsr-3449	235	323	(	(	PUNCT
fsr-3449	235	324	0.35	0.35	NUM
fsr-3449	235	325	)	)	PUNCT
fsr-3449	235	326	1.73	1.73	NUM
fsr-3449	235	327	*	*	PUNCT
fsr-3449	235	328	*	*	PUNCT
fsr-3449	235	329	*	*	PUNCT
fsr-3449	235	330	(	(	PUNCT
fsr-3449	235	331	0.42	0.42	NUM
fsr-3449	235	332	)	)	PUNCT
fsr-3449	235	333	�	�	PROPN
fsr-3449	235	334	0.27	0.27	NUM
fsr-3449	235	335	(	(	PUNCT
fsr-3449	235	336	0.61	0.61	NUM
fsr-3449	235	337	)	)	PUNCT
fsr-3449	235	338	1.18	1.18	NUM
fsr-3449	235	339	*	*	PUNCT
fsr-3449	235	340	(	(	PUNCT
fsr-3449	235	341	0.54	0.54	NUM
fsr-3449	235	342	)	)	PUNCT
fsr-3449	235	343	over	over	ADP
fsr-3449	235	344	$	$	SYM
fsr-3449	235	345	150k	150k	NUM
fsr-3449	235	346	�	�	NOUN
fsr-3449	235	347	2.05	2.05	NUM
fsr-3449	235	348	*	*	NOUN
fsr-3449	235	349	*	*	PUNCT
fsr-3449	235	350	*	*	PUNCT
fsr-3449	235	351	(	(	PUNCT
fsr-3449	235	352	0.50	0.50	NUM
fsr-3449	235	353	)	)	PUNCT
fsr-3449	235	354	1.42	1.42	NUM
fsr-3449	235	355	*	*	PUNCT
fsr-3449	235	356	*	*	PUNCT
fsr-3449	235	357	(	(	PUNCT
fsr-3449	235	358	0.52	0.52	NUM
fsr-3449	235	359	)	)	PUNCT
fsr-3449	235	360	�	�	PROPN
fsr-3449	235	361	1.41	1.41	NUM
fsr-3449	235	362	(	(	PUNCT
fsr-3449	235	363	0.92	0.92	NUM
fsr-3449	235	364	)	)	PUNCT
fsr-3449	235	365	2.13	2.13	NUM
fsr-3449	235	366	*	*	PUNCT
fsr-3449	235	367	*	*	PUNCT
fsr-3449	235	368	*	*	PUNCT
fsr-3449	235	369	(	(	PUNCT
fsr-3449	235	370	0.58	0.58	NUM
fsr-3449	235	371	)	)	PUNCT
fsr-3449	235	372	working	work	VERB
fsr-3449	235	373	(	(	PUNCT
fsr-3449	235	374	work¼	work¼	NOUN
fsr-3449	235	375	1	1	NUM
fsr-3449	235	376	)	)	PUNCT
fsr-3449	235	377	�	�	NOUN
fsr-3449	235	378	0.24	0.24	NUM
fsr-3449	235	379	(	(	PUNCT
fsr-3449	235	380	0.18	0.18	NUM
fsr-3449	235	381	)	)	PUNCT
fsr-3449	235	382	0.31	0.31	NUM
fsr-3449	235	383	(	(	PUNCT
fsr-3449	235	384	0.21	0.21	NUM
fsr-3449	235	385	)	)	PUNCT
fsr-3449	235	386	0.03	0.03	NUM
fsr-3449	235	387	(	(	PUNCT
fsr-3449	235	388	0.30	0.30	NUM
fsr-3449	235	389	)	)	PUNCT
fsr-3449	235	390	0.21	0.21	NUM
fsr-3449	235	391	(	(	PUNCT
fsr-3449	235	392	0.25	0.25	NUM
fsr-3449	235	393	)	)	PUNCT
fsr-3449	235	394	health	health	NOUN
fsr-3449	235	395	status	status	NOUN
fsr-3449	235	396	�	�	PROPN
fsr-3449	235	397	0.22	0.22	NUM
fsr-3449	235	398	(	(	PUNCT
fsr-3449	235	399	0.18	0.18	NUM
fsr-3449	235	400	)	)	PUNCT
fsr-3449	235	401	�	�	PROPN
fsr-3449	235	402	0.27	0.27	NUM
fsr-3449	235	403	(	(	PUNCT
fsr-3449	235	404	0.21	0.21	NUM
fsr-3449	235	405	)	)	PUNCT
fsr-3449	235	406	0.95	0.95	NUM
fsr-3449	235	407	*	*	PUNCT
fsr-3449	235	408	*	*	PUNCT
fsr-3449	235	409	(	(	PUNCT
fsr-3449	235	410	0.33	0.33	NUM
fsr-3449	235	411	)	)	PUNCT
fsr-3449	235	412	0.43	0.43	NUM
fsr-3449	235	413	(	(	PUNCT
fsr-3449	235	414	0.27	0.27	NUM
fsr-3449	235	415	)	)	PUNCT
fsr-3449	235	416	number	number	NOUN
fsr-3449	235	417	of	of	ADP
fsr-3449	235	418	children	child	NOUN
fsr-3449	235	419	�	�	PROPN
fsr-3449	235	420	0.11	0.11	NUM
fsr-3449	235	421	(	(	PUNCT
fsr-3449	235	422	0.07	0.07	NUM
fsr-3449	235	423	)	)	PUNCT
fsr-3449	235	424	�	�	NOUN
fsr-3449	235	425	0.04	0.04	NUM
fsr-3449	235	426	(	(	PUNCT
fsr-3449	235	427	0.07	0.07	NUM
fsr-3449	235	428	)	)	PUNCT
fsr-3449	235	429	�	�	NOUN
fsr-3449	235	430	0.10	0.10	NUM
fsr-3449	235	431	(	(	PUNCT
fsr-3449	235	432	0.17	0.17	NUM
fsr-3449	235	433	)	)	PUNCT
fsr-3449	235	434	0.24	0.24	NUM
fsr-3449	235	435	*	*	PUNCT
fsr-3449	235	436	*	*	PUNCT
fsr-3449	235	437	(	(	PUNCT
fsr-3449	235	438	0.08	0.08	NUM
fsr-3449	235	439	)	)	PUNCT
fsr-3449	235	440	education	education	NOUN
fsr-3449	235	441	level	level	NOUN
fsr-3449	235	442	associate	associate	NOUN
fsr-3449	235	443	degree	degree	NOUN
fsr-3449	235	444	�	�	PROPN
fsr-3449	235	445	0.30	0.30	NUM
fsr-3449	235	446	(	(	PUNCT
fsr-3449	235	447	0.20	0.20	NUM
fsr-3449	235	448	)	)	PUNCT
fsr-3449	235	449	0.27	0.27	NUM
fsr-3449	235	450	(	(	PUNCT
fsr-3449	235	451	0.24	0.24	NUM
fsr-3449	235	452	)	)	PUNCT
fsr-3449	235	453	0.48	0.48	NUM
fsr-3449	235	454	(	(	PUNCT
fsr-3449	235	455	0.36	0.36	NUM
fsr-3449	235	456	)	)	PUNCT
fsr-3449	235	457	�	�	PROPN
fsr-3449	235	458	0.09	0.09	NUM
fsr-3449	235	459	(	(	PUNCT
fsr-3449	235	460	0.30	0.30	NUM
fsr-3449	235	461	)	)	PUNCT
fsr-3449	235	462	bachelor	bachelor	NOUN
fsr-3449	235	463	degree	degree	NOUN
fsr-3449	235	464	�	�	PROPN
fsr-3449	235	465	0.29	0.29	NUM
fsr-3449	235	466	(	(	PUNCT
fsr-3449	235	467	0.21	0.21	NUM
fsr-3449	235	468	)	)	PUNCT
fsr-3449	235	469	0.32	0.32	NUM
fsr-3449	235	470	(	(	PUNCT
fsr-3449	235	471	0.24	0.24	NUM
fsr-3449	235	472	)	)	PUNCT
fsr-3449	235	473	0.18	0.18	NUM
fsr-3449	235	474	(	(	PUNCT
fsr-3449	235	475	0.39	0.39	NUM
fsr-3449	235	476	)	)	PUNCT
fsr-3449	235	477	�	�	NOUN
fsr-3449	235	478	0.04	0.04	NUM
fsr-3449	235	479	(	(	PUNCT
fsr-3449	235	480	0.31	0.31	NUM
fsr-3449	235	481	)	)	PUNCT
fsr-3449	235	482	graduate	graduate	NOUN
fsr-3449	235	483	/	/	SYM
fsr-3449	235	484	higher	high	ADJ
fsr-3449	235	485	�	�	PROPN
fsr-3449	235	486	0.14	0.14	NUM
fsr-3449	235	487	(	(	PUNCT
fsr-3449	235	488	0.27	0.27	NUM
fsr-3449	235	489	)	)	PUNCT
fsr-3449	235	490	�	�	PROPN
fsr-3449	235	491	0.41	0.41	NUM
fsr-3449	235	492	(	(	PUNCT
fsr-3449	235	493	0.32	0.32	NUM
fsr-3449	235	494	)	)	PUNCT
fsr-3449	235	495	0.88	0.88	NUM
fsr-3449	235	496	*	*	PUNCT
fsr-3449	235	497	(	(	PUNCT
fsr-3449	235	498	0.42	0.42	NUM
fsr-3449	235	499	)	)	PUNCT
fsr-3449	235	500	0.19	0.19	NUM
fsr-3449	235	501	(	(	PUNCT
fsr-3449	235	502	0.37	0.37	NUM
fsr-3449	235	503	)	)	PUNCT
fsr-3449	235	504	age	age	NOUN
fsr-3449	235	505	�	�	PROPN
fsr-3449	235	506	0.02	0.02	NUM
fsr-3449	235	507	*	*	PUNCT
fsr-3449	235	508	*	*	PUNCT
fsr-3449	235	509	(	(	PUNCT
fsr-3449	235	510	0.01	0.01	NUM
fsr-3449	235	511	)	)	PUNCT
fsr-3449	235	512	0.00	0.00	NUM
fsr-3449	235	513	(	(	PUNCT
fsr-3449	235	514	0.01	0.01	NUM
fsr-3449	235	515	)	)	PUNCT
fsr-3449	235	516	0.04	0.04	NUM
fsr-3449	235	517	*	*	PUNCT
fsr-3449	235	518	*	*	PUNCT
fsr-3449	235	519	*	*	PUNCT
fsr-3449	235	520	(	(	PUNCT
fsr-3449	235	521	0.01	0.01	NUM
fsr-3449	235	522	)	)	PUNCT
fsr-3449	235	523	�	�	PROPN
fsr-3449	235	524	0.00	0.00	NUM
fsr-3449	235	525	(	(	PUNCT
fsr-3449	235	526	0.01	0.01	NUM
fsr-3449	235	527	)	)	PUNCT
fsr-3449	235	528	race	race	NOUN
fsr-3449	235	529	(	(	PUNCT
fsr-3449	235	530	white¼	white¼	NOUN
fsr-3449	235	531	1	1	NUM
fsr-3449	235	532	)	)	PUNCT
fsr-3449	235	533	0.01	0.01	NUM
fsr-3449	235	534	(	(	PUNCT
fsr-3449	235	535	0.19	0.19	NUM
fsr-3449	235	536	)	)	PUNCT
fsr-3449	235	537	0.14	0.14	NUM
fsr-3449	235	538	(	(	PUNCT
fsr-3449	235	539	0.23	0.23	NUM
fsr-3449	235	540	)	)	PUNCT
fsr-3449	235	541	0.13	0.13	NUM
fsr-3449	235	542	(	(	PUNCT
fsr-3449	235	543	0.34	0.34	NUM
fsr-3449	235	544	)	)	PUNCT
fsr-3449	235	545	�	�	PROPN
fsr-3449	235	546	0.27	0.27	NUM
fsr-3449	235	547	(	(	PUNCT
fsr-3449	235	548	0.26	0.26	NUM
fsr-3449	235	549	)	)	PUNCT
fsr-3449	235	550	married	married	ADJ
fsr-3449	235	551	/	/	SYM
fsr-3449	235	552	coupled	couple	VERB
fsr-3449	235	553	�	�	PROPN
fsr-3449	235	554	0.31†	0.31†	NUM
fsr-3449	235	555	(	(	PUNCT
fsr-3449	235	556	0.17	0.17	NUM
fsr-3449	235	557	)	)	PUNCT
fsr-3449	235	558	0.26	0.26	NUM
fsr-3449	235	559	(	(	PUNCT
fsr-3449	235	560	0.19	0.19	NUM
fsr-3449	235	561	)	)	PUNCT
fsr-3449	235	562	0.40	0.40	NUM
fsr-3449	235	563	(	(	PUNCT
fsr-3449	235	564	0.30	0.30	NUM
fsr-3449	235	565	)	)	PUNCT
fsr-3449	235	566	0.09	0.09	NUM
fsr-3449	235	567	(	(	PUNCT
fsr-3449	235	568	0.23	0.23	NUM
fsr-3449	235	569	)	)	PUNCT
fsr-3449	235	570	constant	constant	ADJ
fsr-3449	235	571	4.57	4.57	NUM
fsr-3449	235	572	*	*	PUNCT
fsr-3449	235	573	*	*	PUNCT
fsr-3449	235	574	*	*	PUNCT
fsr-3449	235	575	(	(	PUNCT
fsr-3449	235	576	0.83	0.83	NUM
fsr-3449	235	577	)	)	PUNCT
fsr-3449	235	578	�	�	PROPN
fsr-3449	235	579	1.06	1.06	NUM
fsr-3449	235	580	(	(	PUNCT
fsr-3449	235	581	0.86	0.86	NUM
fsr-3449	235	582	)	)	PUNCT
fsr-3449	235	583	�	�	NOUN
fsr-3449	235	584	4.03	4.03	NUM
fsr-3449	235	585	*	*	NOUN
fsr-3449	235	586	*	*	PUNCT
fsr-3449	235	587	(	(	PUNCT
fsr-3449	235	588	1.30	1.30	NUM
fsr-3449	235	589	)	)	PUNCT
fsr-3449	235	590	�	�	NOUN
fsr-3449	235	591	8.63	8.63	NUM
fsr-3449	235	592	*	*	PUNCT
fsr-3449	235	593	*	*	PUNCT
fsr-3449	235	594	*	*	PUNCT
fsr-3449	235	595	(	(	PUNCT
fsr-3449	235	596	1.14	1.14	NUM
fsr-3449	235	597	)	)	PUNCT
fsr-3449	235	598	x2	x2	PROPN
fsr-3449	236	1	226.80	226.80	NUM
fsr-3449	236	2	*	*	PUNCT
fsr-3449	236	3	*	*	PUNCT
fsr-3449	236	4	*	*	PUNCT
fsr-3449	237	1	95.41	95.41	NUM
fsr-3449	237	2	*	*	PUNCT
fsr-3449	237	3	*	*	PUNCT
fsr-3449	237	4	*	*	PUNCT
fsr-3449	238	1	104.30	104.30	NUM
fsr-3449	238	2	*	*	PUNCT
fsr-3449	238	3	*	*	PUNCT
fsr-3449	238	4	*	*	PUNCT
fsr-3449	239	1	185.49	185.49	NUM
fsr-3449	239	2	*	*	PUNCT
fsr-3449	239	3	*	*	PUNCT
fsr-3449	239	4	*	*	PUNCT
fsr-3449	239	5	pseudo	pseudo	NOUN
fsr-3449	239	6	r	r	NOUN
fsr-3449	239	7	2	2	NUM
fsr-3449	239	8	0.16	0.16	NUM
fsr-3449	239	9	0.09	0.09	NUM
fsr-3449	239	10	0.17	0.17	NUM
fsr-3449	239	11	0.21	0.21	NUM
fsr-3449	239	12	note	note	NOUN
fsr-3449	239	13	:	:	PUNCT
fsr-3449	239	14	in	in	ADP
fsr-3449	239	15	model	model	NOUN
fsr-3449	239	16	1	1	NUM
fsr-3449	239	17	,	,	PUNCT
fsr-3449	239	18	the	the	DET
fsr-3449	239	19	dependent	dependent	ADJ
fsr-3449	239	20	variable	variable	NOUN
fsr-3449	239	21	was	be	AUX
fsr-3449	239	22	ownership	ownership	NOUN
fsr-3449	239	23	of	of	ADP
fsr-3449	239	24	neither	neither	DET
fsr-3449	239	25	term	term	NOUN
fsr-3449	239	26	or	or	CCONJ
fsr-3449	239	27	cash	cash	NOUN
fsr-3449	239	28	-	-	PUNCT
fsr-3449	239	29	value	value	NOUN
fsr-3449	239	30	life	life	NOUN
fsr-3449	239	31	insurance	insurance	NOUN
fsr-3449	239	32	;	;	PUNCT
fsr-3449	239	33	in	in	ADP
fsr-3449	239	34	model	model	NOUN
fsr-3449	239	35	2	2	NUM
fsr-3449	239	36	,	,	PUNCT
fsr-3449	239	37	the	the	DET
fsr-3449	239	38	dependent	dependent	ADJ
fsr-3449	239	39	variable	variable	NOUN
fsr-3449	239	40	was	be	AUX
fsr-3449	239	41	ownership	ownership	NOUN
fsr-3449	239	42	of	of	ADP
fsr-3449	239	43	only	only	ADJ
fsr-3449	239	44	term	term	NOUN
fsr-3449	239	45	life	life	NOUN
fsr-3449	239	46	insurance	insurance	NOUN
fsr-3449	239	47	;	;	PUNCT
fsr-3449	239	48	in	in	ADP
fsr-3449	239	49	model	model	NOUN
fsr-3449	239	50	3	3	NUM
fsr-3449	239	51	,	,	PUNCT
fsr-3449	239	52	the	the	DET
fsr-3449	239	53	dependent	dependent	ADJ
fsr-3449	239	54	variable	variable	NOUN
fsr-3449	239	55	was	be	AUX
fsr-3449	239	56	ownership	ownership	NOUN
fsr-3449	239	57	of	of	ADP
fsr-3449	239	58	only	only	ADJ
fsr-3449	239	59	cash	cash	NOUN
fsr-3449	239	60	-	-	PUNCT
fsr-3449	239	61	value	value	NOUN
fsr-3449	239	62	life	life	NOUN
fsr-3449	239	63	insurance	insurance	NOUN
fsr-3449	239	64	;	;	PUNCT
fsr-3449	239	65	and	and	CCONJ
fsr-3449	239	66	in	in	ADP
fsr-3449	239	67	model	model	NOUN
fsr-3449	239	68	4	4	NUM
fsr-3449	239	69	,	,	PUNCT
fsr-3449	239	70	the	the	DET
fsr-3449	239	71	dependent	dependent	ADJ
fsr-3449	239	72	variable	variable	NOUN
fsr-3449	239	73	was	be	AUX
fsr-3449	239	74	ownership	ownership	NOUN
fsr-3449	239	75	of	of	ADP
fsr-3449	239	76	both	both	PRON
fsr-3449	239	77	term	term	NOUN
fsr-3449	239	78	life	life	NOUN
fsr-3449	239	79	and	and	CCONJ
fsr-3449	239	80	cash	cash	NOUN
fsr-3449	239	81	-	-	PUNCT
fsr-3449	239	82	value	value	NOUN
fsr-3449	239	83	life	life	NOUN
fsr-3449	239	84	insurances	insurance	NOUN
fsr-3449	239	85	.	.	PUNCT
fsr-3449	240	1	reference	reference	NOUN
fsr-3449	240	2	for	for	ADP
fsr-3449	240	3	net	net	ADJ
fsr-3449	240	4	balance	balance	NOUN
fsr-3449	240	5	is	be	AUX
fsr-3449	240	6	equal	equal	ADJ
fsr-3449	240	7	to	to	ADP
fsr-3449	240	8	or	or	CCONJ
fsr-3449	240	9	greater	great	ADJ
fsr-3449	240	10	than	than	ADP
fsr-3449	240	11	zero	zero	NUM
fsr-3449	240	12	net	net	ADJ
fsr-3449	240	13	balance	balance	NOUN
fsr-3449	240	14	;	;	PUNCT
fsr-3449	240	15	reference	reference	NOUN
fsr-3449	240	16	for	for	ADP
fsr-3449	240	17	gender	gender	NOUN
fsr-3449	240	18	is	be	AUX
fsr-3449	240	19	male	male	ADJ
fsr-3449	240	20	;	;	PUNCT
fsr-3449	240	21	reference	reference	NOUN
fsr-3449	240	22	for	for	ADP
fsr-3449	240	23	income	income	NOUN
fsr-3449	240	24	category	category	NOUN
fsr-3449	240	25	is	be	AUX
fsr-3449	240	26	lower	low	ADJ
fsr-3449	240	27	than	than	ADP
fsr-3449	240	28	$	$	SYM
fsr-3449	240	29	15,000	15,000	NUM
fsr-3449	240	30	;	;	PUNCT
fsr-3449	240	31	reference	reference	NOUN
fsr-3449	240	32	for	for	ADP
fsr-3449	240	33	working	work	VERB
fsr-3449	240	34	status	status	NOUN
fsr-3449	240	35	is	be	AUX
fsr-3449	240	36	not	not	PART
fsr-3449	240	37	working	work	VERB
fsr-3449	240	38	;	;	PUNCT
fsr-3449	240	39	reference	reference	NOUN
fsr-3449	240	40	for	for	ADP
fsr-3449	240	41	education	education	NOUN
fsr-3449	240	42	level	level	NOUN
fsr-3449	240	43	was	be	AUX
fsr-3449	240	44	lower	low	ADJ
fsr-3449	240	45	than	than	ADP
fsr-3449	240	46	high	high	ADJ
fsr-3449	240	47	school	school	NOUN
fsr-3449	240	48	;	;	PUNCT
fsr-3449	240	49	reference	reference	NOUN
fsr-3449	240	50	for	for	ADP
fsr-3449	240	51	the	the	DET
fsr-3449	240	52	race	race	NOUN
fsr-3449	240	53	is	be	AUX
fsr-3449	240	54	if	if	SCONJ
fsr-3449	240	55	non	non	ADJ
fsr-3449	240	56	-	-	ADJ
fsr-3449	240	57	white	white	ADJ
fsr-3449	240	58	;	;	PUNCT
fsr-3449	240	59	and	and	CCONJ
fsr-3449	240	60	reference	reference	NOUN
fsr-3449	240	61	for	for	ADP
fsr-3449	240	62	marital	marital	ADJ
fsr-3449	240	63	status	status	NOUN
fsr-3449	240	64	is	be	AUX
fsr-3449	240	65	single	single	ADJ
fsr-3449	240	66	.	.	PUNCT
fsr-3449	241	1	fs	fs	X
fsr-3449	241	2	=	=	ADJ
fsr-3449	241	3	financial	financial	ADJ
fsr-3449	241	4	status	status	NOUN
fsr-3449	241	5	;	;	PUNCT
fsr-3449	241	6	nb	nb	NOUN
fsr-3449	241	7	=	=	NOUN
fsr-3449	241	8	net	net	ADJ
fsr-3449	241	9	balance	balance	NOUN
fsr-3449	241	10	;	;	PUNCT
fsr-3449	242	1	emer	emer	PROPN
fsr-3449	242	2	.	.	PUNCT
fsr-3449	242	3	funds	fund	NOUN
fsr-3449	242	4	=	=	SYM
fsr-3449	242	5	emergency	emergency	NOUN
fsr-3449	242	6	funds	fund	NOUN
fsr-3449	242	7	;	;	PUNCT
fsr-3449	242	8	frt	frt	NOUN
fsr-3449	242	9	=	=	SYM
fsr-3449	242	10	financial	financial	ADJ
fsr-3449	242	11	risk	risk	NOUN
fsr-3449	242	12	tolerance	tolerance	NOUN
fsr-3449	242	13	;	;	PUNCT
fsr-3449	242	14	sub	sub	NOUN
fsr-3449	242	15	.	.	NOUN
fsr-3449	242	16	fk	fk	INTJ
fsr-3449	242	17	.	.	PUNCT
fsr-3449	243	1	=	=	PUNCT
fsr-3449	243	2	subjective	subjective	ADJ
fsr-3449	243	3	financial	financial	ADJ
fsr-3449	243	4	knowledge	knowledge	NOUN
fsr-3449	243	5	;	;	PUNCT
fsr-3449	243	6	char	char	NOUN
fsr-3449	243	7	.	.	PUNCT
fsr-3449	244	1	=	=	NOUN
fsr-3449	244	2	characteristics	characteristic	NOUN
fsr-3449	244	3	;	;	PUNCT
fsr-3449	244	4	loc	loc	NOUN
fsr-3449	244	5	=	=	NOUN
fsr-3449	244	6	locus	locus	NOUN
fsr-3449	244	7	of	of	ADP
fsr-3449	244	8	control	control	NOUN
fsr-3449	244	9	;	;	PUNCT
fsr-3449	244	10	f	f	X
fsr-3449	244	11	-	-	PUNCT
fsr-3449	244	12	satisfaction	satisfaction	NOUN
fsr-3449	244	13	=	=	SYM
fsr-3449	244	14	financial	financial	ADJ
fsr-3449	244	15	satisfaction	satisfaction	NOUN
fsr-3449	244	16	;	;	PUNCT
fsr-3449	244	17	f	f	X
fsr-3449	244	18	-	-	PUNCT
fsr-3449	244	19	self	self	NOUN
fsr-3449	244	20	=	=	SYM
fsr-3449	244	21	financial	financial	ADJ
fsr-3449	244	22	self	self	NOUN
fsr-3449	244	23	-	-	PUNCT
fsr-3449	244	24	efficacy	efficacy	NOUN
fsr-3449	244	25	;	;	PUNCT
fsr-3449	244	26	and	and	CCONJ
fsr-3449	244	27	l	l	NOUN
fsr-3449	244	28	-	-	NOUN
fsr-3449	244	29	satisfaction	satisfaction	NOUN
fsr-3449	244	30	=	=	NOUN
fsr-3449	244	31	life	life	NOUN
fsr-3449	244	32	satisfaction	satisfaction	NOUN
fsr-3449	244	33	.	.	PUNCT
fsr-3449	245	1	†p	†p	X
fsr-3449	245	2	<	<	X
fsr-3449	245	3	.10	.10	NUM
fsr-3449	245	4	,	,	PUNCT
fsr-3449	245	5	*	*	PUNCT
fsr-3449	245	6	p	p	X
fsr-3449	245	7	<	<	X
fsr-3449	245	8	.05	.05	NUM
fsr-3449	245	9	,	,	PUNCT
fsr-3449	245	10	*	*	PUNCT
fsr-3449	245	11	*	*	PUNCT
fsr-3449	245	12	p	p	X
fsr-3449	245	13	<	<	X
fsr-3449	245	14	.01	.01	NUM
fsr-3449	245	15	,	,	PUNCT
fsr-3449	245	16	*	*	PUNCT
fsr-3449	246	1	*	*	PUNCT
fsr-3449	246	2	*	*	PUNCT
fsr-3449	246	3	p	p	X
fsr-3449	246	4	<	<	X
fsr-3449	246	5	.001	.001	NUM
fsr-3449	246	6	.	.	PUNCT
fsr-3449	247	1	w.	w.	PROPN
fsr-3449	247	2	heo	heo	PROPN
fsr-3449	247	3	et	et	PROPN
fsr-3449	247	4	al	al	PROPN
fsr-3449	247	5	.	.	PUNCT
fsr-3449	247	6	/	/	SYM
fsr-3449	247	7	financial	financial	ADJ
fsr-3449	247	8	services	service	NOUN
fsr-3449	247	9	review	review	VERB
fsr-3449	247	10	29	29	NUM
fsr-3449	247	11	(	(	PUNCT
fsr-3449	247	12	2021	2021	NUM
fsr-3449	247	13	)	)	PUNCT
fsr-3449	247	14	101–119	101–119	NUM
fsr-3449	247	15	113	113	NUM
fsr-3449	247	16	of	of	ADP
fsr-3449	247	17	control	control	NOUN
fsr-3449	247	18	(	(	PUNCT
fsr-3449	247	19	e.g.	e.g.	ADV
fsr-3449	247	20	,	,	PUNCT
fsr-3449	247	21	blaming	blame	VERB
fsr-3449	247	22	external	external	ADJ
fsr-3449	247	23	reasons	reason	NOUN
fsr-3449	247	24	)	)	PUNCT
fsr-3449	247	25	tended	tend	VERB
fsr-3449	247	26	to	to	PART
fsr-3449	247	27	have	have	VERB
fsr-3449	247	28	both	both	PRON
fsr-3449	247	29	term	term	NOUN
fsr-3449	247	30	life	life	NOUN
fsr-3449	247	31	insurance	insurance	NOUN
fsr-3449	247	32	and	and	CCONJ
fsr-3449	247	33	cash	cash	NOUN
fsr-3449	247	34	value	value	NOUN
fsr-3449	247	35	life	life	NOUN
fsr-3449	247	36	insurance	insurance	NOUN
fsr-3449	247	37	.	.	PUNCT
fsr-3449	248	1	similarly	similarly	ADV
fsr-3449	248	2	,	,	PUNCT
fsr-3449	248	3	financial	financial	ADJ
fsr-3449	248	4	self	self	NOUN
fsr-3449	248	5	-	-	PUNCT
fsr-3449	248	6	efficacy	efficacy	NOUN
fsr-3449	248	7	showed	show	VERB
fsr-3449	248	8	a	a	DET
fsr-3449	248	9	negative	negative	ADJ
fsr-3449	248	10	association	association	NOUN
fsr-3449	248	11	with	with	ADP
fsr-3449	248	12	noownership	noownership	NOUN
fsr-3449	248	13	of	of	ADP
fsr-3449	248	14	any	any	DET
fsr-3449	248	15	term	term	NOUN
fsr-3449	248	16	life	life	NOUN
fsr-3449	248	17	insurance	insurance	NOUN
fsr-3449	248	18	or	or	CCONJ
fsr-3449	248	19	cash	cash	NOUN
fsr-3449	248	20	value	value	NOUN
fsr-3449	248	21	life	life	NOUN
fsr-3449	248	22	insurance	insurance	NOUN
fsr-3449	248	23	(	(	PUNCT
fsr-3449	248	24	coefficient	coefficient	NOUN
fsr-3449	248	25	=	=	SYM
fsr-3449	248	26	�	�	PROPN
fsr-3449	248	27	0.04	0.04	NUM
fsr-3449	248	28	,	,	PUNCT
fsr-3449	248	29	p	p	X
fsr-3449	248	30	<	<	X
fsr-3449	248	31	.10	.10	NUM
fsr-3449	248	32	)	)	PUNCT
fsr-3449	248	33	,	,	PUNCT
fsr-3449	248	34	but	but	CCONJ
fsr-3449	248	35	a	a	DET
fsr-3449	248	36	positive	positive	ADJ
fsr-3449	248	37	association	association	NOUN
fsr-3449	248	38	with	with	ADP
fsr-3449	248	39	the	the	DET
fsr-3449	248	40	ownership	ownership	NOUN
fsr-3449	248	41	of	of	ADP
fsr-3449	248	42	both	both	PRON
fsr-3449	248	43	term	term	NOUN
fsr-3449	248	44	life	life	NOUN
fsr-3449	248	45	insurance	insurance	NOUN
fsr-3449	248	46	and	and	CCONJ
fsr-3449	248	47	cash	cash	NOUN
fsr-3449	248	48	value	value	NOUN
fsr-3449	248	49	life	life	NOUN
fsr-3449	248	50	insurance	insurance	NOUN
fsr-3449	248	51	(	(	PUNCT
fsr-3449	248	52	coefficient¼	coefficient¼	ADV
fsr-3449	248	53	0.08	0.08	NUM
fsr-3449	248	54	,	,	PUNCT
fsr-3449	248	55	p	p	X
fsr-3449	248	56	<	<	X
fsr-3449	248	57	.01	.01	NUM
fsr-3449	248	58	)	)	PUNCT
fsr-3449	248	59	,	,	PUNCT
fsr-3449	248	60	which	which	PRON
fsr-3449	248	61	implied	imply	VERB
fsr-3449	248	62	that	that	SCONJ
fsr-3449	248	63	a	a	DET
fsr-3449	248	64	person	person	NOUN
fsr-3449	248	65	with	with	ADP
fsr-3449	248	66	a	a	DET
fsr-3449	248	67	higher	high	ADJ
fsr-3449	248	68	level	level	NOUN
fsr-3449	248	69	of	of	ADP
fsr-3449	248	70	financial	financial	ADJ
fsr-3449	248	71	self	self	NOUN
fsr-3449	248	72	-	-	PUNCT
fsr-3449	248	73	efficacy	efficacy	NOUN
fsr-3449	248	74	was	be	AUX
fsr-3449	248	75	more	more	ADV
fsr-3449	248	76	likely	likely	ADJ
fsr-3449	248	77	to	to	PART
fsr-3449	248	78	have	have	VERB
fsr-3449	248	79	both	both	PRON
fsr-3449	248	80	term	term	NOUN
fsr-3449	248	81	life	life	NOUN
fsr-3449	248	82	insurance	insurance	NOUN
fsr-3449	248	83	and	and	CCONJ
fsr-3449	248	84	cash	cash	NOUN
fsr-3449	248	85	value	value	NOUN
fsr-3449	248	86	life	life	NOUN
fsr-3449	248	87	insurance	insurance	NOUN
fsr-3449	248	88	.	.	PUNCT
fsr-3449	249	1	however	however	ADV
fsr-3449	249	2	,	,	PUNCT
fsr-3449	249	3	higher	high	ADJ
fsr-3449	249	4	-	-	PUNCT
fsr-3449	249	5	level	level	NOUN
fsr-3449	249	6	financial	financial	ADJ
fsr-3449	249	7	self	self	NOUN
fsr-3449	249	8	-	-	PUNCT
fsr-3449	249	9	efficacy	efficacy	NOUN
fsr-3449	249	10	lowered	lower	VERB
fsr-3449	249	11	the	the	DET
fsr-3449	249	12	likelihood	likelihood	NOUN
fsr-3449	249	13	of	of	ADP
fsr-3449	249	14	ownership	ownership	NOUN
fsr-3449	249	15	of	of	ADP
fsr-3449	249	16	only	only	ADJ
fsr-3449	249	17	cash	cash	NOUN
fsr-3449	249	18	value	value	NOUN
fsr-3449	249	19	life	life	NOUN
fsr-3449	249	20	insurance	insurance	NOUN
fsr-3449	249	21	(	(	PUNCT
fsr-3449	249	22	coefficient	coefficient	NOUN
fsr-3449	249	23	=	=	SYM
fsr-3449	249	24	�	�	NOUN
fsr-3449	249	25	0.05	0.05	NUM
fsr-3449	249	26	,	,	PUNCT
fsr-3449	249	27	p	p	X
fsr-3449	249	28	<	<	X
fsr-3449	249	29	.10	.10	NUM
fsr-3449	249	30	)	)	PUNCT
fsr-3449	249	31	.	.	PUNCT
fsr-3449	250	1	third	third	ADJ
fsr-3449	250	2	,	,	PUNCT
fsr-3449	250	3	financial	financial	ADJ
fsr-3449	250	4	satisfaction	satisfaction	NOUN
fsr-3449	250	5	was	be	AUX
fsr-3449	250	6	associated	associate	VERB
fsr-3449	250	7	with	with	ADP
fsr-3449	250	8	only	only	ADV
fsr-3449	250	9	the	the	DET
fsr-3449	250	10	ownership	ownership	NOUN
fsr-3449	250	11	of	of	ADP
fsr-3449	250	12	term	term	NOUN
fsr-3449	250	13	life	life	NOUN
fsr-3449	250	14	insurance	insurance	NOUN
fsr-3449	250	15	negatively	negatively	ADV
fsr-3449	250	16	(	(	PUNCT
fsr-3449	250	17	coefficient	coefficient	NOUN
fsr-3449	250	18	=	=	SYM
fsr-3449	250	19	�	�	PROPN
fsr-3449	250	20	0.03	0.03	NUM
fsr-3449	250	21	p	p	X
fsr-3449	250	22	<	<	X
fsr-3449	250	23	.05	.05	NUM
fsr-3449	250	24	)	)	PUNCT
fsr-3449	250	25	,	,	PUNCT
fsr-3449	250	26	which	which	PRON
fsr-3449	250	27	means	mean	VERB
fsr-3449	250	28	that	that	SCONJ
fsr-3449	250	29	those	those	PRON
fsr-3449	250	30	who	who	PRON
fsr-3449	250	31	had	have	VERB
fsr-3449	250	32	a	a	DET
fsr-3449	250	33	higher	high	ADJ
fsr-3449	250	34	level	level	NOUN
fsr-3449	250	35	of	of	ADP
fsr-3449	250	36	financial	financial	ADJ
fsr-3449	250	37	satisfaction	satisfaction	NOUN
fsr-3449	250	38	would	would	AUX
fsr-3449	250	39	not	not	PART
fsr-3449	250	40	purchase	purchase	VERB
fsr-3449	250	41	term	term	NOUN
fsr-3449	250	42	life	life	NOUN
fsr-3449	250	43	insurance	insurance	NOUN
fsr-3449	250	44	.	.	PUNCT
fsr-3449	251	1	finally	finally	ADV
fsr-3449	251	2	,	,	PUNCT
fsr-3449	251	3	life	life	NOUN
fsr-3449	251	4	satisfaction	satisfaction	NOUN
fsr-3449	251	5	showed	show	VERB
fsr-3449	251	6	a	a	DET
fsr-3449	251	7	negatively	negatively	ADV
fsr-3449	251	8	significant	significant	ADJ
fsr-3449	251	9	association	association	NOUN
fsr-3449	251	10	with	with	ADP
fsr-3449	251	11	no	no	DET
fsr-3449	251	12	-	-	PUNCT
fsr-3449	251	13	ownership	ownership	NOUN
fsr-3449	251	14	of	of	ADP
fsr-3449	251	15	both	both	PRON
fsr-3449	251	16	term	term	NOUN
fsr-3449	251	17	life	life	NOUN
fsr-3449	251	18	insurance	insurance	NOUN
fsr-3449	251	19	and	and	CCONJ
fsr-3449	251	20	cash	cash	NOUN
fsr-3449	251	21	value	value	NOUN
fsr-3449	251	22	life	life	NOUN
fsr-3449	251	23	insurance	insurance	NOUN
fsr-3449	251	24	(	(	PUNCT
fsr-3449	251	25	coefficient	coefficient	NOUN
fsr-3449	251	26	=	=	SYM
fsr-3449	251	27	�	�	PROPN
fsr-3449	251	28	0.03	0.03	NUM
fsr-3449	251	29	,	,	PUNCT
fsr-3449	251	30	p	p	X
fsr-3449	251	31	<	<	X
fsr-3449	251	32	.05	.05	NUM
fsr-3449	251	33	)	)	PUNCT
fsr-3449	251	34	,	,	PUNCT
fsr-3449	251	35	which	which	PRON
fsr-3449	251	36	implied	imply	VERB
fsr-3449	251	37	that	that	SCONJ
fsr-3449	251	38	those	those	PRON
fsr-3449	251	39	who	who	PRON
fsr-3449	251	40	were	be	AUX
fsr-3449	251	41	more	more	ADV
fsr-3449	251	42	satisfied	satisfied	ADJ
fsr-3449	251	43	with	with	ADP
fsr-3449	251	44	their	their	PRON
fsr-3449	251	45	life	life	NOUN
fsr-3449	251	46	were	be	AUX
fsr-3449	251	47	more	more	ADV
fsr-3449	251	48	likely	likely	ADJ
fsr-3449	251	49	to	to	PART
fsr-3449	251	50	have	have	VERB
fsr-3449	251	51	either	either	DET
fsr-3449	251	52	kind	kind	NOUN
fsr-3449	251	53	of	of	ADP
fsr-3449	251	54	life	life	NOUN
fsr-3449	251	55	insurance	insurance	NOUN
fsr-3449	251	56	.	.	PUNCT
fsr-3449	252	1	the	the	DET
fsr-3449	252	2	likelihood	likelihood	NOUN
fsr-3449	252	3	of	of	ADP
fsr-3449	252	4	having	have	VERB
fsr-3449	252	5	ownership	ownership	NOUN
fsr-3449	252	6	of	of	ADP
fsr-3449	252	7	only	only	ADJ
fsr-3449	252	8	term	term	NOUN
fsr-3449	252	9	life	life	NOUN
fsr-3449	252	10	insurance	insurance	NOUN
fsr-3449	252	11	increased	increase	VERB
fsr-3449	252	12	by	by	ADP
fsr-3449	252	13	level	level	NOUN
fsr-3449	252	14	of	of	ADP
fsr-3449	252	15	life	life	NOUN
fsr-3449	252	16	satisfaction	satisfaction	NOUN
fsr-3449	252	17	(	(	PUNCT
fsr-3449	252	18	coefficient¼	coefficient¼	ADV
fsr-3449	252	19	0.03	0.03	NUM
fsr-3449	252	20	,	,	PUNCT
fsr-3449	252	21	p	p	X
fsr-3449	252	22	<	<	X
fsr-3449	252	23	.05	.05	NUM
fsr-3449	252	24	)	)	PUNCT
fsr-3449	252	25	.	.	PUNCT
fsr-3449	253	1	demographic	demographic	ADJ
fsr-3449	253	2	characteristics	characteristic	NOUN
fsr-3449	253	3	also	also	ADV
fsr-3449	253	4	demonstrated	demonstrate	VERB
fsr-3449	253	5	different	different	ADJ
fsr-3449	253	6	effects	effect	NOUN
fsr-3449	253	7	of	of	ADP
fsr-3449	253	8	factors	factor	NOUN
fsr-3449	253	9	on	on	ADP
fsr-3449	253	10	ownership	ownership	NOUN
fsr-3449	253	11	by	by	ADP
fsr-3449	253	12	type	type	NOUN
fsr-3449	253	13	of	of	ADP
fsr-3449	253	14	life	life	NOUN
fsr-3449	253	15	insurance	insurance	NOUN
fsr-3449	253	16	.	.	PUNCT
fsr-3449	254	1	some	some	DET
fsr-3449	254	2	variables	variable	NOUN
fsr-3449	254	3	were	be	AUX
fsr-3449	254	4	model	model	NOUN
fsr-3449	254	5	-	-	PUNCT
fsr-3449	254	6	specific	specific	ADJ
fsr-3449	254	7	.	.	PUNCT
fsr-3449	255	1	females	female	NOUN
fsr-3449	255	2	showed	show	VERB
fsr-3449	255	3	a	a	DET
fsr-3449	255	4	negatively	negatively	ADV
fsr-3449	255	5	significant	significant	ADJ
fsr-3449	255	6	association	association	NOUN
fsr-3449	255	7	only	only	ADV
fsr-3449	255	8	with	with	ADP
fsr-3449	255	9	cash	cash	NOUN
fsr-3449	255	10	value	value	NOUN
fsr-3449	255	11	life	life	NOUN
fsr-3449	255	12	insurance	insurance	NOUN
fsr-3449	255	13	(	(	PUNCT
fsr-3449	255	14	coefficient	coefficient	NOUN
fsr-3449	255	15	=	=	SYM
fsr-3449	255	16	�	�	PROPN
fsr-3449	255	17	0.90	0.90	NUM
fsr-3449	255	18	,	,	PUNCT
fsr-3449	255	19	p	p	X
fsr-3449	255	20	<	<	X
fsr-3449	255	21	.01	.01	NUM
fsr-3449	255	22	)	)	PUNCT
fsr-3449	255	23	,	,	PUNCT
fsr-3449	255	24	while	while	SCONJ
fsr-3449	255	25	the	the	DET
fsr-3449	255	26	highest	high	ADJ
fsr-3449	255	27	level	level	NOUN
fsr-3449	255	28	of	of	ADP
fsr-3449	255	29	education	education	NOUN
fsr-3449	255	30	(	(	PUNCT
fsr-3449	255	31	i.e.	i.e.	X
fsr-3449	255	32	,	,	PUNCT
fsr-3449	255	33	graduate	graduate	ADJ
fsr-3449	255	34	or	or	CCONJ
fsr-3449	255	35	higher	high	ADJ
fsr-3449	255	36	;	;	PUNCT
fsr-3449	255	37	coefficient	coefficient	NOUN
fsr-3449	255	38	=	=	PUNCT
fsr-3449	255	39	0.88	0.88	NUM
fsr-3449	255	40	,	,	PUNCT
fsr-3449	255	41	p	p	X
fsr-3449	255	42	<	<	X
fsr-3449	255	43	.05	.05	NUM
fsr-3449	255	44	)	)	PUNCT
fsr-3449	255	45	and	and	CCONJ
fsr-3449	255	46	good	good	ADJ
fsr-3449	255	47	health	health	NOUN
fsr-3449	255	48	status	status	NOUN
fsr-3449	255	49	(	(	PUNCT
fsr-3449	255	50	coefficient¼	coefficient¼	ADV
fsr-3449	255	51	0.95	0.95	NUM
fsr-3449	255	52	,	,	PUNCT
fsr-3449	255	53	p	p	X
fsr-3449	255	54	<	<	X
fsr-3449	255	55	.01	.01	NUM
fsr-3449	255	56	)	)	PUNCT
fsr-3449	255	57	were	be	AUX
fsr-3449	255	58	positively	positively	ADV
fsr-3449	255	59	associated	associate	VERB
fsr-3449	255	60	with	with	ADP
fsr-3449	255	61	ownership	ownership	NOUN
fsr-3449	255	62	of	of	ADP
fsr-3449	255	63	cash	cash	NOUN
fsr-3449	255	64	-	-	PUNCT
fsr-3449	255	65	value	value	NOUN
fsr-3449	255	66	life	life	NOUN
fsr-3449	255	67	insurance	insurance	NOUN
fsr-3449	255	68	.	.	PUNCT
fsr-3449	256	1	working	work	VERB
fsr-3449	256	2	status	status	NOUN
fsr-3449	256	3	(	(	PUNCT
fsr-3449	256	4	i.e.	i.e.	X
fsr-3449	256	5	,	,	PUNCT
fsr-3449	256	6	currently	currently	ADV
fsr-3449	256	7	working	work	VERB
fsr-3449	256	8	)	)	PUNCT
fsr-3449	256	9	,	,	PUNCT
fsr-3449	256	10	lower	low	ADJ
fsr-3449	256	11	levels	level	NOUN
fsr-3449	256	12	of	of	ADP
fsr-3449	256	13	education	education	NOUN
fsr-3449	256	14	(	(	PUNCT
fsr-3449	256	15	i.e.	i.e.	X
fsr-3449	256	16	,	,	PUNCT
fsr-3449	256	17	associate	associate	ADJ
fsr-3449	256	18	degree	degree	NOUN
fsr-3449	256	19	and	and	CCONJ
fsr-3449	256	20	bachelor	bachelor	NOUN
fsr-3449	256	21	’s	’s	PART
fsr-3449	256	22	degree	degree	NOUN
fsr-3449	256	23	)	)	PUNCT
fsr-3449	256	24	,	,	PUNCT
fsr-3449	256	25	and	and	CCONJ
fsr-3449	256	26	race	race	NOUN
fsr-3449	256	27	(	(	PUNCT
fsr-3449	256	28	i.e.	i.e.	X
fsr-3449	256	29	,	,	PUNCT
fsr-3449	256	30	whites	white	NOUN
fsr-3449	256	31	)	)	PUNCT
fsr-3449	256	32	did	do	AUX
fsr-3449	256	33	not	not	PART
fsr-3449	256	34	show	show	VERB
fsr-3449	256	35	any	any	DET
fsr-3449	256	36	significant	significant	ADJ
fsr-3449	256	37	relevance	relevance	NOUN
fsr-3449	256	38	to	to	ADP
fsr-3449	256	39	the	the	DET
fsr-3449	256	40	ownership	ownership	NOUN
fsr-3449	256	41	of	of	ADP
fsr-3449	256	42	life	life	NOUN
fsr-3449	256	43	insurance	insurance	NOUN
fsr-3449	256	44	.	.	PUNCT
fsr-3449	257	1	the	the	DET
fsr-3449	257	2	number	number	NOUN
fsr-3449	257	3	of	of	ADP
fsr-3449	257	4	children	child	NOUN
fsr-3449	257	5	in	in	ADP
fsr-3449	257	6	a	a	DET
fsr-3449	257	7	family	family	NOUN
fsr-3449	257	8	showed	show	VERB
fsr-3449	257	9	a	a	DET
fsr-3449	257	10	positive	positive	ADJ
fsr-3449	257	11	association	association	NOUN
fsr-3449	257	12	with	with	ADP
fsr-3449	257	13	the	the	DET
fsr-3449	257	14	ownership	ownership	NOUN
fsr-3449	257	15	of	of	ADP
fsr-3449	257	16	both	both	DET
fsr-3449	257	17	types	type	NOUN
fsr-3449	257	18	of	of	ADP
fsr-3449	257	19	life	life	NOUN
fsr-3449	257	20	insurance	insurance	NOUN
fsr-3449	257	21	(	(	PUNCT
fsr-3449	257	22	coefficient¼	coefficient¼	ADV
fsr-3449	257	23	0.24	0.24	NUM
fsr-3449	257	24	,	,	PUNCT
fsr-3449	257	25	p	p	X
fsr-3449	257	26	<	<	X
fsr-3449	257	27	.01	.01	NUM
fsr-3449	257	28	)	)	PUNCT
fsr-3449	257	29	,	,	PUNCT
fsr-3449	257	30	and	and	CCONJ
fsr-3449	257	31	the	the	DET
fsr-3449	257	32	married	married	ADJ
fsr-3449	257	33	or	or	CCONJ
fsr-3449	257	34	coupled	couple	VERB
fsr-3449	257	35	respondents	respondent	NOUN
fsr-3449	257	36	were	be	AUX
fsr-3449	257	37	less	less	ADV
fsr-3449	257	38	likely	likely	ADJ
fsr-3449	257	39	to	to	PART
fsr-3449	257	40	have	have	VERB
fsr-3449	257	41	no	no	DET
fsr-3449	257	42	life	life	NOUN
fsr-3449	257	43	insurance	insurance	NOUN
fsr-3449	257	44	at	at	ADV
fsr-3449	257	45	all	all	ADV
fsr-3449	257	46	(	(	PUNCT
fsr-3449	257	47	coefficient	coefficient	NOUN
fsr-3449	257	48	=	=	SYM
fsr-3449	257	49	�	�	PROPN
fsr-3449	257	50	0.31	0.31	NUM
fsr-3449	257	51	,	,	PUNCT
fsr-3449	257	52	p	p	X
fsr-3449	257	53	<	<	X
fsr-3449	257	54	.10	.10	NUM
fsr-3449	257	55	)	)	PUNCT
fsr-3449	257	56	.	.	PUNCT
fsr-3449	258	1	older	old	ADJ
fsr-3449	258	2	respondents	respondent	NOUN
fsr-3449	258	3	were	be	AUX
fsr-3449	258	4	less	less	ADV
fsr-3449	258	5	likely	likely	ADJ
fsr-3449	258	6	to	to	PART
fsr-3449	258	7	have	have	VERB
fsr-3449	258	8	no	no	DET
fsr-3449	258	9	life	life	NOUN
fsr-3449	258	10	insurance	insurance	NOUN
fsr-3449	258	11	and	and	CCONJ
fsr-3449	258	12	more	more	ADV
fsr-3449	258	13	likely	likely	ADJ
fsr-3449	258	14	to	to	PART
fsr-3449	258	15	have	have	VERB
fsr-3449	258	16	both	both	PRON
fsr-3449	258	17	term	term	NOUN
fsr-3449	258	18	and	and	CCONJ
fsr-3449	258	19	cash	cash	NOUN
fsr-3449	258	20	value	value	NOUN
fsr-3449	258	21	life	life	NOUN
fsr-3449	258	22	insurance	insurance	NOUN
fsr-3449	258	23	.	.	PUNCT
fsr-3449	259	1	there	there	PRON
fsr-3449	259	2	was	be	VERB
fsr-3449	259	3	an	an	DET
fsr-3449	259	4	interesting	interesting	ADJ
fsr-3449	259	5	finding	finding	NOUN
fsr-3449	259	6	stemming	stem	VERB
fsr-3449	259	7	from	from	ADP
fsr-3449	259	8	the	the	DET
fsr-3449	259	9	income	income	NOUN
fsr-3449	259	10	level	level	NOUN
fsr-3449	259	11	variable	variable	NOUN
fsr-3449	259	12	.	.	PUNCT
fsr-3449	260	1	the	the	PRON
fsr-3449	260	2	higher	high	ADJ
fsr-3449	260	3	the	the	DET
fsr-3449	260	4	income	income	NOUN
fsr-3449	260	5	level	level	NOUN
fsr-3449	260	6	,	,	PUNCT
fsr-3449	260	7	the	the	PRON
fsr-3449	260	8	greater	great	ADJ
fsr-3449	260	9	the	the	DET
fsr-3449	260	10	probability	probability	NOUN
fsr-3449	260	11	of	of	ADP
fsr-3449	260	12	having	have	VERB
fsr-3449	260	13	life	life	NOUN
fsr-3449	260	14	insurance	insurance	NOUN
fsr-3449	260	15	(	(	PUNCT
fsr-3449	260	16	less	less	ADJ
fsr-3449	260	17	likelihood	likelihood	NOUN
fsr-3449	260	18	of	of	ADP
fsr-3449	260	19	no	no	DET
fsr-3449	260	20	ownership	ownership	NOUN
fsr-3449	260	21	,	,	PUNCT
fsr-3449	260	22	term	term	NOUN
fsr-3449	260	23	life	life	NOUN
fsr-3449	260	24	,	,	PUNCT
fsr-3449	260	25	both	both	DET
fsr-3449	260	26	term	term	NOUN
fsr-3449	260	27	life	life	NOUN
fsr-3449	260	28	insurance	insurance	NOUN
fsr-3449	260	29	,	,	PUNCT
fsr-3449	260	30	and	and	CCONJ
fsr-3449	260	31	cash	cash	NOUN
fsr-3449	260	32	value	value	NOUN
fsr-3449	260	33	life	life	NOUN
fsr-3449	260	34	insurance	insurance	NOUN
fsr-3449	260	35	)	)	PUNCT
fsr-3449	260	36	,	,	PUNCT
fsr-3449	260	37	except	except	SCONJ
fsr-3449	260	38	for	for	ADP
fsr-3449	260	39	the	the	DET
fsr-3449	260	40	ownership	ownership	NOUN
fsr-3449	260	41	of	of	ADP
fsr-3449	260	42	cash	cash	NOUN
fsr-3449	260	43	value	value	NOUN
fsr-3449	260	44	life	life	NOUN
fsr-3449	260	45	insurance	insurance	NOUN
fsr-3449	260	46	.	.	PUNCT
fsr-3449	261	1	5	5	X
fsr-3449	261	2	.	.	X
fsr-3449	261	3	discussion	discussion	NOUN
fsr-3449	261	4	and	and	CCONJ
fsr-3449	261	5	implication	implication	NOUN
fsr-3449	261	6	this	this	DET
fsr-3449	261	7	study	study	NOUN
fsr-3449	261	8	examined	examine	VERB
fsr-3449	261	9	factors	factor	NOUN
fsr-3449	261	10	related	relate	VERB
fsr-3449	261	11	to	to	ADP
fsr-3449	261	12	the	the	DET
fsr-3449	261	13	ownership	ownership	NOUN
fsr-3449	261	14	of	of	ADP
fsr-3449	261	15	life	life	NOUN
fsr-3449	261	16	insurance	insurance	NOUN
fsr-3449	261	17	by	by	ADP
fsr-3449	261	18	type	type	NOUN
fsr-3449	261	19	(	(	PUNCT
fsr-3449	261	20	none	none	NOUN
fsr-3449	261	21	,	,	PUNCT
fsr-3449	261	22	term	term	NOUN
fsr-3449	261	23	,	,	PUNCT
fsr-3449	261	24	cash	cash	NOUN
fsr-3449	261	25	value	value	NOUN
fsr-3449	261	26	,	,	PUNCT
fsr-3449	261	27	and	and	CCONJ
fsr-3449	261	28	both	both	PRON
fsr-3449	261	29	term	term	NOUN
fsr-3449	261	30	and	and	CCONJ
fsr-3449	261	31	cash	cash	NOUN
fsr-3449	261	32	value	value	NOUN
fsr-3449	261	33	life	life	NOUN
fsr-3449	261	34	insurance	insurance	NOUN
fsr-3449	261	35	)	)	PUNCT
fsr-3449	261	36	by	by	ADP
fsr-3449	261	37	focusing	focus	VERB
fsr-3449	261	38	on	on	ADP
fsr-3449	261	39	the	the	DET
fsr-3449	261	40	role	role	NOUN
fsr-3449	261	41	of	of	ADP
fsr-3449	261	42	the	the	DET
fsr-3449	261	43	financial	financial	ADJ
fsr-3449	261	44	status	status	NOUN
fsr-3449	261	45	characteristics	characteristic	NOUN
fsr-3449	261	46	,	,	PUNCT
fsr-3449	261	47	psychological	psychological	ADJ
fsr-3449	261	48	characteristics	characteristic	NOUN
fsr-3449	261	49	,	,	PUNCT
fsr-3449	261	50	and	and	CCONJ
fsr-3449	261	51	demographic	demographic	ADJ
fsr-3449	261	52	characteristics	characteristic	NOUN
fsr-3449	261	53	.	.	PUNCT
fsr-3449	262	1	this	this	DET
fsr-3449	262	2	study	study	NOUN
fsr-3449	262	3	found	find	VERB
fsr-3449	262	4	that	that	SCONJ
fsr-3449	262	5	some	some	DET
fsr-3449	262	6	financial	financial	ADJ
fsr-3449	262	7	status	status	NOUN
fsr-3449	262	8	and	and	CCONJ
fsr-3449	262	9	psychological	psychological	ADJ
fsr-3449	262	10	characteristics	characteristic	NOUN
fsr-3449	262	11	show	show	VERB
fsr-3449	262	12	similar	similar	ADJ
fsr-3449	262	13	and	and	CCONJ
fsr-3449	262	14	opposite	opposite	ADJ
fsr-3449	262	15	patterns	pattern	NOUN
fsr-3449	262	16	across	across	ADP
fsr-3449	262	17	models	model	NOUN
fsr-3449	262	18	.	.	PUNCT
fsr-3449	263	1	the	the	DET
fsr-3449	263	2	presence	presence	NOUN
fsr-3449	263	3	of	of	ADP
fsr-3449	263	4	emergency	emergency	NOUN
fsr-3449	263	5	funds	fund	NOUN
fsr-3449	263	6	,	,	PUNCT
fsr-3449	263	7	locus	locus	NOUN
fsr-3449	263	8	of	of	ADP
fsr-3449	263	9	control	control	NOUN
fsr-3449	263	10	,	,	PUNCT
fsr-3449	263	11	subjective	subjective	ADJ
fsr-3449	263	12	knowledge	knowledge	NOUN
fsr-3449	263	13	,	,	PUNCT
fsr-3449	263	14	and	and	CCONJ
fsr-3449	263	15	financial	financial	ADJ
fsr-3449	263	16	self	self	NOUN
fsr-3449	263	17	-	-	PUNCT
fsr-3449	263	18	efficacy	efficacy	NOUN
fsr-3449	263	19	decreased	decrease	VERB
fsr-3449	263	20	the	the	DET
fsr-3449	263	21	likelihood	likelihood	NOUN
fsr-3449	263	22	of	of	ADP
fsr-3449	263	23	non	non	ADJ
fsr-3449	263	24	-	-	NOUN
fsr-3449	263	25	ownership	ownership	NOUN
fsr-3449	263	26	of	of	ADP
fsr-3449	263	27	life	life	NOUN
fsr-3449	263	28	insurance	insurance	NOUN
fsr-3449	263	29	and	and	CCONJ
fsr-3449	263	30	increased	increase	VERB
fsr-3449	263	31	the	the	DET
fsr-3449	263	32	likelihood	likelihood	NOUN
fsr-3449	263	33	of	of	ADP
fsr-3449	263	34	owning	own	VERB
fsr-3449	263	35	both	both	DET
fsr-3449	263	36	types	type	NOUN
fsr-3449	263	37	of	of	ADP
fsr-3449	263	38	life	life	NOUN
fsr-3449	263	39	insurance	insurance	NOUN
fsr-3449	263	40	.	.	PUNCT
fsr-3449	264	1	among	among	ADP
fsr-3449	264	2	those	those	DET
fsr-3449	264	3	characteristics	characteristic	NOUN
fsr-3449	264	4	,	,	PUNCT
fsr-3449	264	5	the	the	DET
fsr-3449	264	6	ownership	ownership	NOUN
fsr-3449	264	7	of	of	ADP
fsr-3449	264	8	a	a	DET
fsr-3449	264	9	specific	specific	ADJ
fsr-3449	264	10	type	type	NOUN
fsr-3449	264	11	of	of	ADP
fsr-3449	264	12	life	life	NOUN
fsr-3449	264	13	insurance	insurance	NOUN
fsr-3449	264	14	was	be	AUX
fsr-3449	264	15	not	not	PART
fsr-3449	264	16	significant	significant	ADJ
fsr-3449	264	17	.	.	PUNCT
fsr-3449	265	1	114	114	NUM
fsr-3449	265	2	w.	w.	PROPN
fsr-3449	265	3	heo	heo	PROPN
fsr-3449	265	4	et	et	PROPN
fsr-3449	265	5	al	al	PROPN
fsr-3449	265	6	.	.	PUNCT
fsr-3449	265	7	/	/	SYM
fsr-3449	265	8	financial	financial	ADJ
fsr-3449	265	9	services	service	NOUN
fsr-3449	265	10	review	review	VERB
fsr-3449	265	11	29	29	NUM
fsr-3449	265	12	(	(	PUNCT
fsr-3449	265	13	2021	2021	NUM
fsr-3449	265	14	)	)	PUNCT
fsr-3449	266	1	101–119	101–119	NUM
fsr-3449	266	2	those	those	DET
fsr-3449	266	3	who	who	PRON
fsr-3449	266	4	were	be	AUX
fsr-3449	266	5	more	more	ADV
fsr-3449	266	6	sensitive	sensitive	ADJ
fsr-3449	266	7	to	to	ADP
fsr-3449	266	8	external	external	ADJ
fsr-3449	266	9	circumstances	circumstance	NOUN
fsr-3449	266	10	in	in	ADP
fsr-3449	266	11	terms	term	NOUN
fsr-3449	266	12	of	of	ADP
fsr-3449	266	13	determining	determine	VERB
fsr-3449	266	14	life	life	NOUN
fsr-3449	266	15	events	event	NOUN
fsr-3449	266	16	and	and	CCONJ
fsr-3449	266	17	were	be	AUX
fsr-3449	266	18	prepared	prepare	VERB
fsr-3449	266	19	for	for	ADP
fsr-3449	266	20	financial	financial	ADJ
fsr-3449	266	21	emergency	emergency	NOUN
fsr-3449	266	22	tended	tend	VERB
fsr-3449	266	23	to	to	PART
fsr-3449	266	24	have	have	VERB
fsr-3449	266	25	one	one	NUM
fsr-3449	266	26	or	or	CCONJ
fsr-3449	266	27	both	both	PRON
fsr-3449	266	28	forms	form	NOUN
fsr-3449	266	29	of	of	ADP
fsr-3449	266	30	life	life	NOUN
fsr-3449	266	31	insurance	insurance	NOUN
fsr-3449	266	32	(=	(=	X
fsr-3449	266	33	lower	low	ADJ
fsr-3449	266	34	likelihood	likelihood	NOUN
fsr-3449	266	35	of	of	ADP
fsr-3449	266	36	non	non	ADJ
fsr-3449	266	37	-	-	NOUN
fsr-3449	266	38	ownership	ownership	NOUN
fsr-3449	266	39	of	of	ADP
fsr-3449	266	40	life	life	NOUN
fsr-3449	266	41	insurance	insurance	NOUN
fsr-3449	266	42	and	and	CCONJ
fsr-3449	266	43	a	a	DET
fsr-3449	266	44	higher	high	ADJ
fsr-3449	266	45	likelihood	likelihood	NOUN
fsr-3449	266	46	of	of	ADP
fsr-3449	266	47	ownership	ownership	NOUN
fsr-3449	266	48	of	of	ADP
fsr-3449	266	49	both	both	DET
fsr-3449	266	50	forms	form	NOUN
fsr-3449	266	51	of	of	ADP
fsr-3449	266	52	life	life	NOUN
fsr-3449	266	53	insurance	insurance	NOUN
fsr-3449	266	54	)	)	PUNCT
fsr-3449	266	55	.	.	PUNCT
fsr-3449	267	1	these	these	DET
fsr-3449	267	2	respondents	respondent	NOUN
fsr-3449	267	3	were	be	AUX
fsr-3449	267	4	also	also	ADV
fsr-3449	267	5	identified	identify	VERB
fsr-3449	267	6	as	as	ADP
fsr-3449	267	7	those	those	PRON
fsr-3449	267	8	who	who	PRON
fsr-3449	267	9	perceived	perceive	VERB
fsr-3449	267	10	their	their	PRON
fsr-3449	267	11	financial	financial	ADJ
fsr-3449	267	12	knowledge	knowledge	NOUN
fsr-3449	267	13	levels	level	NOUN
fsr-3449	267	14	to	to	PART
fsr-3449	267	15	be	be	AUX
fsr-3449	267	16	higher	high	ADJ
fsr-3449	267	17	and	and	CCONJ
fsr-3449	267	18	who	who	PRON
fsr-3449	267	19	feel	feel	VERB
fsr-3449	267	20	more	more	ADV
fsr-3449	267	21	confident	confident	ADJ
fsr-3449	267	22	about	about	ADP
fsr-3449	267	23	themselves	themselves	PRON
fsr-3449	267	24	in	in	ADP
fsr-3449	267	25	terms	term	NOUN
fsr-3449	267	26	of	of	ADP
fsr-3449	267	27	achieving	achieve	VERB
fsr-3449	267	28	their	their	PRON
fsr-3449	267	29	financial	financial	ADJ
fsr-3449	267	30	goals	goal	NOUN
fsr-3449	267	31	.	.	PUNCT
fsr-3449	268	1	all	all	PRON
fsr-3449	268	2	of	of	ADP
fsr-3449	268	3	these	these	DET
fsr-3449	268	4	financial	financial	ADJ
fsr-3449	268	5	and	and	CCONJ
fsr-3449	268	6	psychological	psychological	ADJ
fsr-3449	268	7	characteristics	characteristic	NOUN
fsr-3449	268	8	show	show	VERB
fsr-3449	268	9	that	that	SCONJ
fsr-3449	268	10	they	they	PRON
fsr-3449	268	11	would	would	AUX
fsr-3449	268	12	value	value	VERB
fsr-3449	268	13	the	the	DET
fsr-3449	268	14	fundamental	fundamental	ADJ
fsr-3449	268	15	core	core	NOUN
fsr-3449	268	16	of	of	ADP
fsr-3449	268	17	life	life	NOUN
fsr-3449	268	18	insurance	insurance	NOUN
fsr-3449	268	19	purchases	purchase	NOUN
fsr-3449	268	20	more	more	ADJ
fsr-3449	268	21	than	than	ADP
fsr-3449	268	22	other	other	ADJ
fsr-3449	268	23	additional	additional	ADJ
fsr-3449	268	24	characteristics	characteristic	NOUN
fsr-3449	268	25	of	of	ADP
fsr-3449	268	26	life	life	NOUN
fsr-3449	268	27	insurance	insurance	NOUN
fsr-3449	268	28	(	(	PUNCT
fsr-3449	268	29	i.e.	i.e.	X
fsr-3449	268	30	,	,	PUNCT
fsr-3449	268	31	they	they	PRON
fsr-3449	268	32	would	would	AUX
fsr-3449	268	33	like	like	VERB
fsr-3449	268	34	to	to	PART
fsr-3449	268	35	transfer	transfer	VERB
fsr-3449	268	36	the	the	DET
fsr-3449	268	37	risk	risk	NOUN
fsr-3449	268	38	of	of	ADP
fsr-3449	268	39	loss	loss	NOUN
fsr-3449	268	40	of	of	ADP
fsr-3449	268	41	income	income	NOUN
fsr-3449	268	42	)	)	PUNCT
fsr-3449	268	43	based	base	VERB
fsr-3449	268	44	on	on	ADP
fsr-3449	268	45	their	their	PRON
fsr-3449	268	46	perceptions	perception	NOUN
fsr-3449	268	47	and	and	CCONJ
fsr-3449	268	48	knowledge	knowledge	NOUN
fsr-3449	268	49	about	about	ADP
fsr-3449	268	50	the	the	DET
fsr-3449	268	51	need	need	NOUN
fsr-3449	268	52	for	for	ADP
fsr-3449	268	53	life	life	NOUN
fsr-3449	268	54	insurance	insurance	NOUN
fsr-3449	268	55	.	.	PUNCT
fsr-3449	269	1	thus	thus	ADV
fsr-3449	269	2	,	,	PUNCT
fsr-3449	269	3	it	it	PRON
fsr-3449	269	4	appears	appear	VERB
fsr-3449	269	5	that	that	SCONJ
fsr-3449	269	6	they	they	PRON
fsr-3449	269	7	would	would	AUX
fsr-3449	269	8	fully	fully	ADV
fsr-3449	269	9	understand	understand	VERB
fsr-3449	269	10	the	the	DET
fsr-3449	269	11	importance	importance	NOUN
fsr-3449	269	12	of	of	ADP
fsr-3449	269	13	life	life	NOUN
fsr-3449	269	14	insurance	insurance	NOUN
fsr-3449	269	15	purchases	purchase	NOUN
fsr-3449	269	16	.	.	PUNCT
fsr-3449	270	1	in	in	ADP
fsr-3449	270	2	particular	particular	ADJ
fsr-3449	270	3	,	,	PUNCT
fsr-3449	270	4	however	however	ADV
fsr-3449	270	5	,	,	PUNCT
fsr-3449	270	6	those	those	PRON
fsr-3449	270	7	with	with	ADP
fsr-3449	270	8	a	a	DET
fsr-3449	270	9	higher	high	ADJ
fsr-3449	270	10	level	level	NOUN
fsr-3449	270	11	of	of	ADP
fsr-3449	270	12	financial	financial	ADJ
fsr-3449	270	13	self	self	NOUN
fsr-3449	270	14	-	-	PUNCT
fsr-3449	270	15	efficacy	efficacy	NOUN
fsr-3449	270	16	had	have	VERB
fsr-3449	270	17	a	a	DET
fsr-3449	270	18	lower	low	ADJ
fsr-3449	270	19	likelihood	likelihood	NOUN
fsr-3449	270	20	of	of	ADP
fsr-3449	270	21	cash	cash	NOUN
fsr-3449	270	22	value	value	NOUN
fsr-3449	270	23	life	life	NOUN
fsr-3449	270	24	insurance	insurance	NOUN
fsr-3449	270	25	ownership	ownership	NOUN
fsr-3449	270	26	,	,	PUNCT
fsr-3449	270	27	reflecting	reflect	VERB
fsr-3449	270	28	the	the	DET
fsr-3449	270	29	fact	fact	NOUN
fsr-3449	270	30	that	that	SCONJ
fsr-3449	270	31	they	they	PRON
fsr-3449	270	32	would	would	AUX
fsr-3449	270	33	need	need	VERB
fsr-3449	270	34	financial	financial	ADJ
fsr-3449	270	35	advice	advice	NOUN
fsr-3449	270	36	about	about	ADP
fsr-3449	270	37	a	a	DET
fsr-3449	270	38	further	further	ADJ
fsr-3449	270	39	decision	decision	NOUN
fsr-3449	270	40	regarding	regard	VERB
fsr-3449	270	41	life	life	NOUN
fsr-3449	270	42	insurance	insurance	NOUN
fsr-3449	270	43	(	(	PUNCT
fsr-3449	270	44	e.g.	e.g.	ADV
fsr-3449	270	45	,	,	PUNCT
fsr-3449	270	46	type	type	NOUN
fsr-3449	270	47	of	of	ADP
fsr-3449	270	48	life	life	NOUN
fsr-3449	270	49	insurance	insurance	NOUN
fsr-3449	270	50	)	)	PUNCT
fsr-3449	270	51	beyond	beyond	ADP
fsr-3449	270	52	the	the	DET
fsr-3449	270	53	basic	basic	ADJ
fsr-3449	270	54	purpose	purpose	NOUN
fsr-3449	270	55	.	.	PUNCT
fsr-3449	271	1	the	the	DET
fsr-3449	271	2	traits	trait	NOUN
fsr-3449	271	3	of	of	ADP
fsr-3449	271	4	financial	financial	ADJ
fsr-3449	271	5	risk	risk	NOUN
fsr-3449	271	6	tolerance	tolerance	NOUN
fsr-3449	271	7	and	and	CCONJ
fsr-3449	271	8	financial	financial	ADJ
fsr-3449	271	9	satisfaction	satisfaction	NOUN
fsr-3449	271	10	both	both	PRON
fsr-3449	271	11	reduced	reduce	VERB
fsr-3449	271	12	the	the	DET
fsr-3449	271	13	likelihood	likelihood	NOUN
fsr-3449	271	14	of	of	ADP
fsr-3449	271	15	ownership	ownership	NOUN
fsr-3449	271	16	of	of	ADP
fsr-3449	271	17	term	term	NOUN
fsr-3449	271	18	life	life	NOUN
fsr-3449	271	19	insurance	insurance	NOUN
fsr-3449	271	20	,	,	PUNCT
fsr-3449	271	21	but	but	CCONJ
fsr-3449	271	22	increased	increase	VERB
fsr-3449	271	23	that	that	PRON
fsr-3449	271	24	of	of	ADP
fsr-3449	271	25	ownership	ownership	NOUN
fsr-3449	271	26	of	of	ADP
fsr-3449	271	27	both	both	DET
fsr-3449	271	28	insurance	insurance	NOUN
fsr-3449	271	29	policies	policy	NOUN
fsr-3449	271	30	,	,	PUNCT
fsr-3449	271	31	while	while	SCONJ
fsr-3449	271	32	life	life	NOUN
fsr-3449	271	33	satisfaction	satisfaction	NOUN
fsr-3449	271	34	increased	increase	VERB
fsr-3449	271	35	the	the	DET
fsr-3449	271	36	ownership	ownership	NOUN
fsr-3449	271	37	of	of	ADP
fsr-3449	271	38	term	term	NOUN
fsr-3449	271	39	life	life	NOUN
fsr-3449	271	40	insurance	insurance	NOUN
fsr-3449	271	41	and	and	CCONJ
fsr-3449	271	42	reduced	reduce	VERB
fsr-3449	271	43	nonownership	nonownership	NOUN
fsr-3449	271	44	of	of	ADP
fsr-3449	271	45	life	life	NOUN
fsr-3449	271	46	insurance	insurance	NOUN
fsr-3449	271	47	.	.	PUNCT
fsr-3449	272	1	in	in	ADP
fsr-3449	272	2	other	other	ADJ
fsr-3449	272	3	words	word	NOUN
fsr-3449	272	4	,	,	PUNCT
fsr-3449	272	5	those	those	PRON
fsr-3449	272	6	who	who	PRON
fsr-3449	272	7	take	take	VERB
fsr-3449	272	8	greater	great	ADJ
fsr-3449	272	9	financial	financial	ADJ
fsr-3449	272	10	risk	risk	NOUN
fsr-3449	272	11	and	and	CCONJ
fsr-3449	272	12	are	be	AUX
fsr-3449	272	13	more	more	ADV
fsr-3449	272	14	satisfied	satisfied	ADJ
fsr-3449	272	15	financially	financially	ADV
fsr-3449	272	16	recognize	recognize	VERB
fsr-3449	272	17	the	the	DET
fsr-3449	272	18	need	need	NOUN
fsr-3449	272	19	for	for	ADP
fsr-3449	272	20	life	life	NOUN
fsr-3449	272	21	insurance	insurance	NOUN
fsr-3449	272	22	(	(	PUNCT
fsr-3449	272	23	i.e.	i.e.	X
fsr-3449	272	24	,	,	PUNCT
fsr-3449	272	25	they	they	PRON
fsr-3449	272	26	are	be	AUX
fsr-3449	272	27	less	less	ADV
fsr-3449	272	28	likely	likely	ADJ
fsr-3449	272	29	to	to	PART
fsr-3449	272	30	not	not	PART
fsr-3449	272	31	own	own	VERB
fsr-3449	272	32	life	life	NOUN
fsr-3449	272	33	insurance	insurance	NOUN
fsr-3449	272	34	)	)	PUNCT
fsr-3449	272	35	,	,	PUNCT
fsr-3449	272	36	but	but	CCONJ
fsr-3449	272	37	these	these	DET
fsr-3449	272	38	characteristics	characteristic	NOUN
fsr-3449	272	39	about	about	ADP
fsr-3449	272	40	financial	financial	ADJ
fsr-3449	272	41	attitude	attitude	NOUN
fsr-3449	272	42	and	and	CCONJ
fsr-3449	272	43	evaluation	evaluation	NOUN
fsr-3449	272	44	undervalued	undervalue	VERB
fsr-3449	272	45	term	term	NOUN
fsr-3449	272	46	life	life	NOUN
fsr-3449	272	47	insurance	insurance	NOUN
fsr-3449	272	48	.	.	PUNCT
fsr-3449	273	1	this	this	DET
fsr-3449	273	2	result	result	NOUN
fsr-3449	273	3	was	be	AUX
fsr-3449	273	4	the	the	DET
fsr-3449	273	5	opposite	opposite	NOUN
fsr-3449	273	6	of	of	ADP
fsr-3449	273	7	that	that	PRON
fsr-3449	273	8	of	of	ADP
fsr-3449	273	9	life	life	NOUN
fsr-3449	273	10	satisfaction	satisfaction	NOUN
fsr-3449	273	11	.	.	PUNCT
fsr-3449	274	1	those	those	PRON
fsr-3449	274	2	who	who	PRON
fsr-3449	274	3	were	be	AUX
fsr-3449	274	4	satisfied	satisfied	ADJ
fsr-3449	274	5	with	with	ADP
fsr-3449	274	6	their	their	PRON
fsr-3449	274	7	lives	life	NOUN
fsr-3449	274	8	but	but	CCONJ
fsr-3449	274	9	not	not	PART
fsr-3449	274	10	necessarily	necessarily	ADV
fsr-3449	274	11	satisfied	satisfied	ADJ
fsr-3449	274	12	with	with	ADP
fsr-3449	274	13	its	its	PRON
fsr-3449	274	14	financial	financial	ADJ
fsr-3449	274	15	aspects	aspect	NOUN
fsr-3449	274	16	would	would	AUX
fsr-3449	274	17	prefer	prefer	VERB
fsr-3449	274	18	ownership	ownership	NOUN
fsr-3449	274	19	of	of	ADP
fsr-3449	274	20	term	term	NOUN
fsr-3449	274	21	life	life	NOUN
fsr-3449	274	22	insurance	insurance	NOUN
fsr-3449	274	23	.	.	PUNCT
fsr-3449	275	1	although	although	SCONJ
fsr-3449	275	2	financial	financial	ADJ
fsr-3449	275	3	satisfaction	satisfaction	NOUN
fsr-3449	275	4	has	have	AUX
fsr-3449	275	5	been	be	AUX
fsr-3449	275	6	known	know	VERB
fsr-3449	275	7	to	to	PART
fsr-3449	275	8	be	be	AUX
fsr-3449	275	9	an	an	DET
fsr-3449	275	10	element	element	NOUN
fsr-3449	275	11	of	of	ADP
fsr-3449	275	12	life	life	NOUN
fsr-3449	275	13	satisfaction	satisfaction	NOUN
fsr-3449	275	14	(	(	PUNCT
fsr-3449	275	15	e.g.	e.g.	ADV
fsr-3449	275	16	,	,	PUNCT
fsr-3449	275	17	robb	robb	NOUN
fsr-3449	275	18	&	&	CCONJ
fsr-3449	275	19	woodyard	woodyard	PROPN
fsr-3449	275	20	,	,	PUNCT
fsr-3449	275	21	2011	2011	NUM
fsr-3449	275	22	;	;	PUNCT
fsr-3449	275	23	xiao	xiao	PROPN
fsr-3449	275	24	et	et	PROPN
fsr-3449	275	25	al	al	PROPN
fsr-3449	275	26	.	.	PROPN
fsr-3449	275	27	,	,	PUNCT
fsr-3449	275	28	2014	2014	NUM
fsr-3449	275	29	)	)	PUNCT
fsr-3449	275	30	,	,	PUNCT
fsr-3449	275	31	its	its	PRON
fsr-3449	275	32	effects	effect	NOUN
fsr-3449	275	33	on	on	ADP
fsr-3449	275	34	financial	financial	ADJ
fsr-3449	275	35	decisions	decision	NOUN
fsr-3449	275	36	,	,	PUNCT
fsr-3449	275	37	such	such	ADJ
fsr-3449	275	38	as	as	ADP
fsr-3449	275	39	term	term	NOUN
fsr-3449	275	40	life	life	NOUN
fsr-3449	275	41	insurance	insurance	NOUN
fsr-3449	275	42	decisions	decision	NOUN
fsr-3449	275	43	,	,	PUNCT
fsr-3449	275	44	were	be	AUX
fsr-3449	275	45	not	not	PART
fsr-3449	275	46	necessarily	necessarily	ADV
fsr-3449	275	47	in	in	ADP
fsr-3449	275	48	the	the	DET
fsr-3449	275	49	same	same	ADJ
fsr-3449	275	50	direction	direction	NOUN
fsr-3449	275	51	.	.	PUNCT
fsr-3449	276	1	this	this	PRON
fsr-3449	276	2	implies	imply	VERB
fsr-3449	276	3	the	the	DET
fsr-3449	276	4	importance	importance	NOUN
fsr-3449	276	5	of	of	ADP
fsr-3449	276	6	taking	take	VERB
fsr-3449	276	7	various	various	ADJ
fsr-3449	276	8	aspects	aspect	NOUN
fsr-3449	276	9	of	of	ADP
fsr-3449	276	10	psychological	psychological	ADJ
fsr-3449	276	11	characteristics	characteristic	NOUN
fsr-3449	276	12	into	into	ADP
fsr-3449	276	13	consideration	consideration	NOUN
fsr-3449	276	14	when	when	SCONJ
fsr-3449	276	15	investigating	investigate	VERB
fsr-3449	276	16	the	the	DET
fsr-3449	276	17	determinants	determinant	NOUN
fsr-3449	276	18	of	of	ADP
fsr-3449	276	19	life	life	NOUN
fsr-3449	276	20	insurance	insurance	NOUN
fsr-3449	276	21	ownership	ownership	NOUN
fsr-3449	276	22	.	.	PUNCT
fsr-3449	277	1	our	our	PRON
fsr-3449	277	2	findings	finding	NOUN
fsr-3449	277	3	warn	warn	VERB
fsr-3449	277	4	about	about	ADP
fsr-3449	277	5	the	the	DET
fsr-3449	277	6	generalization	generalization	NOUN
fsr-3449	277	7	of	of	ADP
fsr-3449	277	8	the	the	DET
fsr-3449	277	9	effect	effect	NOUN
fsr-3449	277	10	of	of	ADP
fsr-3449	277	11	seemingly	seemingly	ADV
fsr-3449	277	12	related	related	ADJ
fsr-3449	277	13	characteristics	characteristic	NOUN
fsr-3449	277	14	on	on	ADP
fsr-3449	277	15	financial	financial	ADJ
fsr-3449	277	16	decisions	decision	NOUN
fsr-3449	277	17	and	and	CCONJ
fsr-3449	277	18	suggest	suggest	VERB
fsr-3449	277	19	that	that	SCONJ
fsr-3449	277	20	financial	financial	ADJ
fsr-3449	277	21	practitioners	practitioner	NOUN
fsr-3449	277	22	consider	consider	VERB
fsr-3449	277	23	each	each	PRON
fsr-3449	277	24	of	of	ADP
fsr-3449	277	25	them	they	PRON
fsr-3449	277	26	closely	closely	ADV
fsr-3449	277	27	when	when	SCONJ
fsr-3449	277	28	working	work	VERB
fsr-3449	277	29	with	with	ADP
fsr-3449	277	30	clients	client	NOUN
fsr-3449	277	31	.	.	PUNCT
fsr-3449	278	1	other	other	ADJ
fsr-3449	278	2	financial	financial	ADJ
fsr-3449	278	3	status	status	NOUN
fsr-3449	278	4	characteristics	characteristic	NOUN
fsr-3449	278	5	,	,	PUNCT
fsr-3449	278	6	such	such	ADJ
fsr-3449	278	7	as	as	ADP
fsr-3449	278	8	negative	negative	ADJ
fsr-3449	278	9	net	net	ADJ
fsr-3449	278	10	balances	balance	NOUN
fsr-3449	278	11	and	and	CCONJ
fsr-3449	278	12	income	income	NOUN
fsr-3449	278	13	,	,	PUNCT
fsr-3449	278	14	were	be	AUX
fsr-3449	278	15	also	also	ADV
fsr-3449	278	16	significant	significant	ADJ
fsr-3449	278	17	in	in	ADP
fsr-3449	278	18	some	some	DET
fsr-3449	278	19	models	model	NOUN
fsr-3449	278	20	.	.	PUNCT
fsr-3449	279	1	negative	negative	ADJ
fsr-3449	279	2	net	net	ADJ
fsr-3449	279	3	balances	balance	NOUN
fsr-3449	279	4	reduced	reduce	VERB
fsr-3449	279	5	the	the	DET
fsr-3449	279	6	likelihood	likelihood	NOUN
fsr-3449	279	7	of	of	ADP
fsr-3449	279	8	ownership	ownership	NOUN
fsr-3449	279	9	of	of	ADP
fsr-3449	279	10	life	life	NOUN
fsr-3449	279	11	insurance	insurance	NOUN
fsr-3449	279	12	,	,	PUNCT
fsr-3449	279	13	while	while	SCONJ
fsr-3449	279	14	income	income	NOUN
fsr-3449	279	15	levels	level	NOUN
fsr-3449	279	16	were	be	AUX
fsr-3449	279	17	generally	generally	ADV
fsr-3449	279	18	positively	positively	ADV
fsr-3449	279	19	related	relate	VERB
fsr-3449	279	20	to	to	ADP
fsr-3449	279	21	the	the	DET
fsr-3449	279	22	ownership	ownership	NOUN
fsr-3449	279	23	of	of	ADP
fsr-3449	279	24	life	life	NOUN
fsr-3449	279	25	insurance	insurance	NOUN
fsr-3449	279	26	;	;	PUNCT
fsr-3449	279	27	more	more	ADV
fsr-3449	279	28	financially	financially	ADV
fsr-3449	279	29	stable	stable	ADJ
fsr-3449	279	30	respondents	respondent	NOUN
fsr-3449	279	31	tended	tend	VERB
fsr-3449	279	32	to	to	PART
fsr-3449	279	33	have	have	VERB
fsr-3449	279	34	either	either	CCONJ
fsr-3449	279	35	term	term	NOUN
fsr-3449	279	36	life	life	NOUN
fsr-3449	279	37	or	or	CCONJ
fsr-3449	279	38	both	both	DET
fsr-3449	279	39	term	term	NOUN
fsr-3449	279	40	and	and	CCONJ
fsr-3449	279	41	cash	cash	NOUN
fsr-3449	279	42	value	value	NOUN
fsr-3449	279	43	life	life	NOUN
fsr-3449	279	44	insurance	insurance	NOUN
fsr-3449	279	45	.	.	PUNCT
fsr-3449	280	1	as	as	SCONJ
fsr-3449	280	2	the	the	DET
fsr-3449	280	3	income	income	NOUN
fsr-3449	280	4	level	level	NOUN
fsr-3449	280	5	went	go	VERB
fsr-3449	280	6	up	up	ADP
fsr-3449	280	7	,	,	PUNCT
fsr-3449	280	8	the	the	DET
fsr-3449	280	9	likelihood	likelihood	NOUN
fsr-3449	280	10	of	of	ADP
fsr-3449	280	11	having	have	VERB
fsr-3449	280	12	a	a	DET
fsr-3449	280	13	term	term	NOUN
fsr-3449	280	14	life	life	NOUN
fsr-3449	280	15	insurance	insurance	NOUN
fsr-3449	280	16	policy	policy	NOUN
fsr-3449	280	17	generally	generally	ADV
fsr-3449	280	18	increased	increase	VERB
fsr-3449	280	19	,	,	PUNCT
fsr-3449	280	20	but	but	CCONJ
fsr-3449	280	21	this	this	DET
fsr-3449	280	22	pattern	pattern	NOUN
fsr-3449	280	23	was	be	AUX
fsr-3449	280	24	not	not	PART
fsr-3449	280	25	significant	significant	ADJ
fsr-3449	280	26	in	in	ADP
fsr-3449	280	27	the	the	DET
fsr-3449	280	28	pattern	pattern	NOUN
fsr-3449	280	29	of	of	ADP
fsr-3449	280	30	cash	cash	NOUN
fsr-3449	280	31	value	value	NOUN
fsr-3449	280	32	life	life	NOUN
fsr-3449	280	33	insurance	insurance	NOUN
fsr-3449	280	34	ownership	ownership	NOUN
fsr-3449	280	35	.	.	PUNCT
fsr-3449	281	1	the	the	DET
fsr-3449	281	2	results	result	NOUN
fsr-3449	281	3	may	may	AUX
fsr-3449	281	4	suggest	suggest	VERB
fsr-3449	281	5	that	that	SCONJ
fsr-3449	281	6	term	term	NOUN
fsr-3449	281	7	life	life	NOUN
fsr-3449	281	8	insurance	insurance	NOUN
fsr-3449	281	9	is	be	AUX
fsr-3449	281	10	considered	consider	VERB
fsr-3449	281	11	to	to	PART
fsr-3449	281	12	be	be	AUX
fsr-3449	281	13	a	a	DET
fsr-3449	281	14	substitute	substitute	NOUN
fsr-3449	281	15	for	for	ADP
fsr-3449	281	16	income	income	NOUN
fsr-3449	281	17	.	.	PUNCT
fsr-3449	282	1	while	while	SCONJ
fsr-3449	282	2	the	the	DET
fsr-3449	282	3	ownership	ownership	NOUN
fsr-3449	282	4	of	of	ADP
fsr-3449	282	5	term	term	NOUN
fsr-3449	282	6	value	value	NOUN
fsr-3449	282	7	life	life	NOUN
fsr-3449	282	8	insurance	insurance	NOUN
fsr-3449	282	9	was	be	AUX
fsr-3449	282	10	better	well	ADV
fsr-3449	282	11	explained	explain	VERB
fsr-3449	282	12	by	by	ADP
fsr-3449	282	13	financial	financial	ADJ
fsr-3449	282	14	and	and	CCONJ
fsr-3449	282	15	psychological	psychological	ADJ
fsr-3449	282	16	characteristics	characteristic	NOUN
fsr-3449	282	17	,	,	PUNCT
fsr-3449	282	18	more	more	ADJ
fsr-3449	282	19	demographic	demographic	ADJ
fsr-3449	282	20	characteristics	characteristic	NOUN
fsr-3449	282	21	factored	factor	VERB
fsr-3449	282	22	into	into	ADP
fsr-3449	282	23	the	the	DET
fsr-3449	282	24	ownership	ownership	NOUN
fsr-3449	282	25	of	of	ADP
fsr-3449	282	26	cash	cash	NOUN
fsr-3449	282	27	value	value	NOUN
fsr-3449	282	28	life	life	NOUN
fsr-3449	282	29	insurance	insurance	NOUN
fsr-3449	282	30	,	,	PUNCT
fsr-3449	282	31	which	which	PRON
fsr-3449	282	32	provides	provide	VERB
fsr-3449	282	33	an	an	DET
fsr-3449	282	34	additional	additional	ADJ
fsr-3449	282	35	investment	investment	NOUN
fsr-3449	282	36	vehicle	vehicle	NOUN
fsr-3449	282	37	and	and	CCONJ
fsr-3449	282	38	tax	tax	NOUN
fsr-3449	282	39	-	-	PUNCT
fsr-3449	282	40	wise	wise	ADJ
fsr-3449	282	41	asset	asset	NOUN
fsr-3449	282	42	accumulation	accumulation	NOUN
fsr-3449	282	43	.	.	PUNCT
fsr-3449	283	1	cash	cash	NOUN
fsr-3449	283	2	value	value	NOUN
fsr-3449	283	3	life	life	NOUN
fsr-3449	283	4	insurance	insurance	NOUN
fsr-3449	283	5	was	be	AUX
fsr-3449	283	6	in	in	ADP
fsr-3449	283	7	greater	great	ADJ
fsr-3449	283	8	demand	demand	NOUN
fsr-3449	283	9	by	by	ADP
fsr-3449	283	10	those	those	PRON
fsr-3449	283	11	in	in	ADP
fsr-3449	283	12	good	good	ADJ
fsr-3449	283	13	health	health	NOUN
fsr-3449	283	14	condition	condition	NOUN
fsr-3449	283	15	(	(	PUNCT
fsr-3449	283	16	thus	thus	ADV
fsr-3449	283	17	,	,	PUNCT
fsr-3449	283	18	having	have	VERB
fsr-3449	283	19	relatively	relatively	ADV
fsr-3449	283	20	less	less	ADJ
fsr-3449	283	21	demand	demand	NOUN
fsr-3449	283	22	for	for	ADP
fsr-3449	283	23	a	a	DET
fsr-3449	283	24	savings	saving	NOUN
fsr-3449	283	25	chunk	chunk	NOUN
fsr-3449	283	26	for	for	ADP
fsr-3449	283	27	sudden	sudden	ADJ
fsr-3449	283	28	medical	medical	ADJ
fsr-3449	283	29	costs	cost	NOUN
fsr-3449	283	30	)	)	PUNCT
fsr-3449	283	31	,	,	PUNCT
fsr-3449	283	32	or	or	CCONJ
fsr-3449	283	33	older	old	ADJ
fsr-3449	283	34	respondents	respondent	NOUN
fsr-3449	283	35	(	(	PUNCT
fsr-3449	283	36	who	who	PRON
fsr-3449	283	37	might	might	AUX
fsr-3449	283	38	have	have	VERB
fsr-3449	283	39	limited	limit	VERB
fsr-3449	283	40	eligibility	eligibility	NOUN
fsr-3449	283	41	for	for	ADP
fsr-3449	283	42	a	a	DET
fsr-3449	283	43	term	term	NOUN
fsr-3449	283	44	,	,	PUNCT
fsr-3449	283	45	or	or	CCONJ
fsr-3449	283	46	might	might	AUX
fsr-3449	283	47	be	be	AUX
fsr-3449	283	48	more	more	ADJ
fsr-3449	283	49	w.	w.	PROPN
fsr-3449	283	50	heo	heo	PROPN
fsr-3449	283	51	et	et	PROPN
fsr-3449	283	52	al	al	PROPN
fsr-3449	283	53	.	.	PUNCT
fsr-3449	283	54	/	/	SYM
fsr-3449	283	55	financial	financial	ADJ
fsr-3449	283	56	services	service	NOUN
fsr-3449	283	57	review	review	VERB
fsr-3449	283	58	29	29	NUM
fsr-3449	283	59	(	(	PUNCT
fsr-3449	283	60	2021	2021	NUM
fsr-3449	283	61	)	)	PUNCT
fsr-3449	284	1	101–119	101–119	NUM
fsr-3449	284	2	115	115	NUM
fsr-3449	284	3	familiar	familiar	ADJ
fsr-3449	284	4	with	with	ADP
fsr-3449	284	5	investment	investment	NOUN
fsr-3449	284	6	vehicles	vehicle	NOUN
fsr-3449	284	7	)	)	PUNCT
fsr-3449	284	8	.	.	PUNCT
fsr-3449	285	1	however	however	ADV
fsr-3449	285	2	,	,	PUNCT
fsr-3449	285	3	females	female	NOUN
fsr-3449	285	4	were	be	AUX
fsr-3449	285	5	less	less	ADV
fsr-3449	285	6	likely	likely	ADJ
fsr-3449	285	7	to	to	PART
fsr-3449	285	8	have	have	VERB
fsr-3449	285	9	cash	cash	NOUN
fsr-3449	285	10	value	value	NOUN
fsr-3449	285	11	life	life	NOUN
fsr-3449	285	12	insurance	insurance	NOUN
fsr-3449	285	13	,	,	PUNCT
fsr-3449	285	14	implying	imply	VERB
fsr-3449	285	15	that	that	SCONJ
fsr-3449	285	16	the	the	DET
fsr-3449	285	17	potential	potential	ADJ
fsr-3449	285	18	gender	gender	NOUN
fsr-3449	285	19	difference	difference	NOUN
fsr-3449	285	20	in	in	ADP
fsr-3449	285	21	financial	financial	ADJ
fsr-3449	285	22	decisions	decision	NOUN
fsr-3449	285	23	,	,	PUNCT
fsr-3449	285	24	and	and	CCONJ
fsr-3449	285	25	financial	financial	ADJ
fsr-3449	285	26	professionals	professional	NOUN
fsr-3449	285	27	can	can	AUX
fsr-3449	285	28	help	help	VERB
fsr-3449	285	29	them	they	PRON
fsr-3449	285	30	correct	correct	VERB
fsr-3449	285	31	this	this	DET
fsr-3449	285	32	aversion	aversion	NOUN
fsr-3449	285	33	toward	toward	ADP
fsr-3449	285	34	cash	cash	NOUN
fsr-3449	285	35	value	value	NOUN
fsr-3449	285	36	life	life	NOUN
fsr-3449	285	37	insurance	insurance	NOUN
fsr-3449	285	38	if	if	SCONJ
fsr-3449	285	39	it	it	PRON
fsr-3449	285	40	is	be	AUX
fsr-3449	285	41	not	not	PART
fsr-3449	285	42	beneficial	beneficial	ADJ
fsr-3449	285	43	to	to	ADP
fsr-3449	285	44	them	they	PRON
fsr-3449	285	45	.	.	PUNCT
fsr-3449	286	1	married	marry	VERB
fsr-3449	286	2	or	or	CCONJ
fsr-3449	286	3	coupled	couple	VERB
fsr-3449	286	4	respondents	respondent	NOUN
fsr-3449	286	5	were	be	AUX
fsr-3449	286	6	less	less	ADV
fsr-3449	286	7	likely	likely	ADJ
fsr-3449	286	8	to	to	PART
fsr-3449	286	9	have	have	VERB
fsr-3449	286	10	no	no	DET
fsr-3449	286	11	life	life	NOUN
fsr-3449	286	12	insurance	insurance	NOUN
fsr-3449	286	13	at	at	ADV
fsr-3449	286	14	all	all	ADV
fsr-3449	286	15	,	,	PUNCT
fsr-3449	286	16	while	while	SCONJ
fsr-3449	286	17	those	those	PRON
fsr-3449	286	18	with	with	ADP
fsr-3449	286	19	more	more	ADJ
fsr-3449	286	20	children	child	NOUN
fsr-3449	286	21	tended	tend	VERB
fsr-3449	286	22	to	to	PART
fsr-3449	286	23	have	have	VERB
fsr-3449	286	24	both	both	DET
fsr-3449	286	25	types	type	NOUN
fsr-3449	286	26	of	of	ADP
fsr-3449	286	27	life	life	NOUN
fsr-3449	286	28	insurance	insurance	NOUN
fsr-3449	286	29	,	,	PUNCT
fsr-3449	286	30	all	all	PRON
fsr-3449	286	31	of	of	ADP
fsr-3449	286	32	which	which	PRON
fsr-3449	286	33	identifies	identify	VERB
fsr-3449	286	34	who	who	PRON
fsr-3449	286	35	might	might	AUX
fsr-3449	286	36	possibly	possibly	ADV
fsr-3449	286	37	better	well	ADV
fsr-3449	286	38	perceive	perceive	VERB
fsr-3449	286	39	the	the	DET
fsr-3449	286	40	significance	significance	NOUN
fsr-3449	286	41	of	of	ADP
fsr-3449	286	42	life	life	NOUN
fsr-3449	286	43	insurance	insurance	NOUN
fsr-3449	286	44	because	because	SCONJ
fsr-3449	286	45	of	of	ADP
fsr-3449	286	46	the	the	DET
fsr-3449	286	47	presence	presence	NOUN
fsr-3449	286	48	of	of	ADP
fsr-3449	286	49	financial	financial	ADJ
fsr-3449	286	50	dependents	dependent	NOUN
fsr-3449	286	51	.	.	PUNCT
fsr-3449	287	1	however	however	ADV
fsr-3449	287	2	,	,	PUNCT
fsr-3449	287	3	work	work	NOUN
fsr-3449	287	4	status	status	NOUN
fsr-3449	287	5	,	,	PUNCT
fsr-3449	287	6	lower	low	ADJ
fsr-3449	287	7	levels	level	NOUN
fsr-3449	287	8	of	of	ADP
fsr-3449	287	9	education	education	NOUN
fsr-3449	287	10	,	,	PUNCT
fsr-3449	287	11	and	and	CCONJ
fsr-3449	287	12	race	race	NOUN
fsr-3449	287	13	were	be	AUX
fsr-3449	287	14	not	not	PART
fsr-3449	287	15	significant	significant	ADJ
fsr-3449	287	16	in	in	ADP
fsr-3449	287	17	all	all	DET
fsr-3449	287	18	models	model	NOUN
fsr-3449	287	19	.	.	PUNCT
fsr-3449	288	1	although	although	SCONJ
fsr-3449	288	2	researchers	researcher	NOUN
fsr-3449	288	3	have	have	AUX
fsr-3449	288	4	identified	identify	VERB
fsr-3449	288	5	the	the	DET
fsr-3449	288	6	various	various	ADJ
fsr-3449	288	7	factors	factor	NOUN
fsr-3449	288	8	that	that	PRON
fsr-3449	288	9	contribute	contribute	VERB
fsr-3449	288	10	to	to	ADP
fsr-3449	288	11	the	the	DET
fsr-3449	288	12	likelihood	likelihood	NOUN
fsr-3449	288	13	of	of	ADP
fsr-3449	288	14	life	life	NOUN
fsr-3449	288	15	insurance	insurance	NOUN
fsr-3449	288	16	ownership	ownership	NOUN
fsr-3449	288	17	,	,	PUNCT
fsr-3449	288	18	few	few	ADJ
fsr-3449	288	19	studies	study	NOUN
fsr-3449	288	20	have	have	AUX
fsr-3449	288	21	attempted	attempt	VERB
fsr-3449	288	22	to	to	PART
fsr-3449	288	23	approach	approach	VERB
fsr-3449	288	24	the	the	DET
fsr-3449	288	25	subgroup	subgroup	NOUN
fsr-3449	288	26	analyses	analysis	NOUN
fsr-3449	288	27	.	.	PUNCT
fsr-3449	289	1	our	our	PRON
fsr-3449	289	2	findings	finding	NOUN
fsr-3449	289	3	confirmed	confirm	VERB
fsr-3449	289	4	the	the	DET
fsr-3449	289	5	importance	importance	NOUN
fsr-3449	289	6	of	of	ADP
fsr-3449	289	7	conducting	conduct	VERB
fsr-3449	289	8	separate	separate	ADJ
fsr-3449	289	9	analyses	analysis	NOUN
fsr-3449	289	10	by	by	ADP
fsr-3449	289	11	policy	policy	NOUN
fsr-3449	289	12	type	type	NOUN
fsr-3449	289	13	(	(	PUNCT
fsr-3449	289	14	i.e.	i.e.	X
fsr-3449	289	15	,	,	PUNCT
fsr-3449	289	16	no	no	DET
fsr-3449	289	17	ownership	ownership	NOUN
fsr-3449	289	18	,	,	PUNCT
fsr-3449	289	19	only	only	ADV
fsr-3449	289	20	term	term	NOUN
fsr-3449	289	21	life	life	NOUN
fsr-3449	289	22	insurance	insurance	NOUN
fsr-3449	289	23	,	,	PUNCT
fsr-3449	289	24	only	only	ADV
fsr-3449	289	25	cash	cash	NOUN
fsr-3449	289	26	value	value	NOUN
fsr-3449	289	27	life	life	NOUN
fsr-3449	289	28	insurance	insurance	NOUN
fsr-3449	289	29	,	,	PUNCT
fsr-3449	289	30	and	and	CCONJ
fsr-3449	289	31	both	both	DET
fsr-3449	289	32	term	term	NOUN
fsr-3449	289	33	and	and	CCONJ
fsr-3449	289	34	cash	cash	NOUN
fsr-3449	289	35	value	value	NOUN
fsr-3449	289	36	life	life	NOUN
fsr-3449	289	37	insurance	insurance	NOUN
fsr-3449	289	38	)	)	PUNCT
fsr-3449	289	39	,	,	PUNCT
fsr-3449	289	40	and	and	CCONJ
fsr-3449	289	41	deepened	deepen	VERB
fsr-3449	289	42	the	the	DET
fsr-3449	289	43	discussion	discussion	NOUN
fsr-3449	289	44	about	about	ADP
fsr-3449	289	45	the	the	DET
fsr-3449	289	46	factors	factor	NOUN
fsr-3449	289	47	related	relate	VERB
fsr-3449	289	48	to	to	ADP
fsr-3449	289	49	life	life	NOUN
fsr-3449	289	50	insurance	insurance	NOUN
fsr-3449	289	51	ownership	ownership	NOUN
fsr-3449	289	52	.	.	PUNCT
fsr-3449	290	1	our	our	PRON
fsr-3449	290	2	findings	finding	NOUN
fsr-3449	290	3	are	be	AUX
fsr-3449	290	4	in	in	ADP
fsr-3449	290	5	line	line	NOUN
fsr-3449	290	6	with	with	ADP
fsr-3449	290	7	the	the	DET
fsr-3449	290	8	different	different	ADJ
fsr-3449	290	9	characteristics	characteristic	NOUN
fsr-3449	290	10	and	and	CCONJ
fsr-3449	290	11	purposes	purpose	NOUN
fsr-3449	290	12	of	of	ADP
fsr-3449	290	13	term	term	NOUN
fsr-3449	290	14	and	and	CCONJ
fsr-3449	290	15	cash	cash	NOUN
fsr-3449	290	16	value	value	NOUN
fsr-3449	290	17	life	life	NOUN
fsr-3449	290	18	insurance	insurance	NOUN
fsr-3449	290	19	.	.	PUNCT
fsr-3449	291	1	cash	cash	NOUN
fsr-3449	291	2	value	value	NOUN
fsr-3449	291	3	life	life	NOUN
fsr-3449	291	4	insurance	insurance	NOUN
fsr-3449	291	5	was	be	AUX
fsr-3449	291	6	likely	likely	ADJ
fsr-3449	291	7	to	to	PART
fsr-3449	291	8	be	be	AUX
fsr-3449	291	9	used	use	VERB
fsr-3449	291	10	to	to	PART
fsr-3449	291	11	complement	complement	VERB
fsr-3449	291	12	other	other	ADJ
fsr-3449	291	13	wealth	wealth	NOUN
fsr-3449	291	14	accumulation	accumulation	NOUN
fsr-3449	291	15	vehicles	vehicle	NOUN
fsr-3449	291	16	rather	rather	ADV
fsr-3449	291	17	than	than	ADP
fsr-3449	291	18	as	as	ADP
fsr-3449	291	19	a	a	DET
fsr-3449	291	20	simple	simple	ADJ
fsr-3449	291	21	substitute	substitute	NOUN
fsr-3449	291	22	for	for	ADP
fsr-3449	291	23	lost	lose	VERB
fsr-3449	291	24	income	income	NOUN
fsr-3449	291	25	from	from	ADP
fsr-3449	291	26	premature	premature	ADJ
fsr-3449	291	27	death	death	NOUN
fsr-3449	291	28	,	,	PUNCT
fsr-3449	291	29	whereas	whereas	SCONJ
fsr-3449	291	30	term	term	NOUN
fsr-3449	291	31	life	life	NOUN
fsr-3449	291	32	insurance	insurance	NOUN
fsr-3449	291	33	was	be	AUX
fsr-3449	291	34	still	still	ADV
fsr-3449	291	35	seen	see	VERB
fsr-3449	291	36	as	as	ADP
fsr-3449	291	37	pure	pure	ADJ
fsr-3449	291	38	protection	protection	NOUN
fsr-3449	291	39	for	for	ADP
fsr-3449	291	40	the	the	DET
fsr-3449	291	41	potential	potential	ADJ
fsr-3449	291	42	loss	loss	NOUN
fsr-3449	291	43	of	of	ADP
fsr-3449	291	44	future	future	ADJ
fsr-3449	291	45	income	income	NOUN
fsr-3449	291	46	.	.	PUNCT
fsr-3449	292	1	the	the	DET
fsr-3449	292	2	results	result	NOUN
fsr-3449	292	3	are	be	AUX
fsr-3449	292	4	consistent	consistent	ADJ
fsr-3449	292	5	with	with	ADP
fsr-3449	292	6	previous	previous	ADJ
fsr-3449	292	7	work	work	NOUN
fsr-3449	292	8	(	(	PUNCT
fsr-3449	292	9	e.g.	e.g.	ADV
fsr-3449	292	10	,	,	PUNCT
fsr-3449	292	11	heo	heo	PROPN
fsr-3449	292	12	et	et	PROPN
fsr-3449	292	13	al	al	PROPN
fsr-3449	292	14	.	.	PROPN
fsr-3449	292	15	,	,	PUNCT
fsr-3449	292	16	2013	2013	NUM
fsr-3449	292	17	)	)	PUNCT
fsr-3449	292	18	,	,	PUNCT
fsr-3449	292	19	which	which	PRON
fsr-3449	292	20	suggests	suggest	VERB
fsr-3449	292	21	that	that	SCONJ
fsr-3449	292	22	the	the	DET
fsr-3449	292	23	purpose	purpose	NOUN
fsr-3449	292	24	and	and	CCONJ
fsr-3449	292	25	characteristics	characteristic	NOUN
fsr-3449	292	26	of	of	ADP
fsr-3449	292	27	cash	cash	NOUN
fsr-3449	292	28	value	value	NOUN
fsr-3449	292	29	life	life	NOUN
fsr-3449	292	30	insurance	insurance	NOUN
fsr-3449	292	31	should	should	AUX
fsr-3449	292	32	not	not	PART
fsr-3449	292	33	be	be	AUX
fsr-3449	292	34	treated	treat	VERB
fsr-3449	292	35	in	in	ADP
fsr-3449	292	36	the	the	DET
fsr-3449	292	37	same	same	ADJ
fsr-3449	292	38	way	way	NOUN
fsr-3449	292	39	as	as	ADP
fsr-3449	292	40	those	those	PRON
fsr-3449	292	41	of	of	ADP
fsr-3449	292	42	term	term	NOUN
fsr-3449	292	43	life	life	NOUN
fsr-3449	292	44	insurance	insurance	NOUN
fsr-3449	292	45	.	.	PUNCT
fsr-3449	293	1	thus	thus	ADV
fsr-3449	293	2	,	,	PUNCT
fsr-3449	293	3	the	the	DET
fsr-3449	293	4	findings	finding	NOUN
fsr-3449	293	5	regarding	regard	VERB
fsr-3449	293	6	the	the	DET
fsr-3449	293	7	differences	difference	NOUN
fsr-3449	293	8	in	in	ADP
fsr-3449	293	9	consumer	consumer	NOUN
fsr-3449	293	10	demand	demand	NOUN
fsr-3449	293	11	between	between	ADP
fsr-3449	293	12	cash	cash	NOUN
fsr-3449	293	13	value	value	NOUN
fsr-3449	293	14	life	life	NOUN
fsr-3449	293	15	insurance	insurance	NOUN
fsr-3449	293	16	and	and	CCONJ
fsr-3449	293	17	term	term	NOUN
fsr-3449	293	18	life	life	NOUN
fsr-3449	293	19	insurance	insurance	NOUN
fsr-3449	293	20	in	in	ADP
fsr-3449	293	21	terms	term	NOUN
fsr-3449	293	22	of	of	ADP
fsr-3449	293	23	the	the	DET
fsr-3449	293	24	influential	influential	ADJ
fsr-3449	293	25	characteristics	characteristic	NOUN
fsr-3449	293	26	and	and	CCONJ
fsr-3449	293	27	underlying	underlying	ADJ
fsr-3449	293	28	purpose	purpose	NOUN
fsr-3449	293	29	of	of	ADP
fsr-3449	293	30	the	the	DET
fsr-3449	293	31	life	life	NOUN
fsr-3449	293	32	insurance	insurance	NOUN
fsr-3449	293	33	purchase	purchase	NOUN
fsr-3449	293	34	suggest	suggest	VERB
fsr-3449	293	35	a	a	DET
fsr-3449	293	36	need	need	NOUN
fsr-3449	293	37	for	for	ADP
fsr-3449	293	38	a	a	DET
fsr-3449	293	39	more	more	ADV
fsr-3449	293	40	careful	careful	ADJ
fsr-3449	293	41	approach	approach	NOUN
fsr-3449	293	42	to	to	ADP
fsr-3449	293	43	the	the	DET
fsr-3449	293	44	study	study	NOUN
fsr-3449	293	45	of	of	ADP
fsr-3449	293	46	life	life	NOUN
fsr-3449	293	47	insurance	insurance	NOUN
fsr-3449	293	48	ownership	ownership	NOUN
fsr-3449	293	49	and	and	CCONJ
fsr-3449	293	50	the	the	DET
fsr-3449	293	51	incorporation	incorporation	NOUN
fsr-3449	293	52	of	of	ADP
fsr-3449	293	53	psychological	psychological	ADJ
fsr-3449	293	54	factors	factor	NOUN
fsr-3449	293	55	in	in	ADP
fsr-3449	293	56	the	the	DET
fsr-3449	293	57	analysis	analysis	NOUN
fsr-3449	293	58	.	.	PUNCT
fsr-3449	294	1	the	the	DET
fsr-3449	294	2	findings	finding	NOUN
fsr-3449	294	3	suggest	suggest	VERB
fsr-3449	294	4	that	that	SCONJ
fsr-3449	294	5	consumers	consumer	NOUN
fsr-3449	294	6	can	can	AUX
fsr-3449	294	7	be	be	AUX
fsr-3449	294	8	better	well	ADV
fsr-3449	294	9	served	serve	VERB
fsr-3449	294	10	when	when	SCONJ
fsr-3449	294	11	financial	financial	ADJ
fsr-3449	294	12	practitioners	practitioner	NOUN
fsr-3449	294	13	and	and	CCONJ
fsr-3449	294	14	researchers	researcher	NOUN
fsr-3449	294	15	more	more	ADV
fsr-3449	294	16	carefully	carefully	ADV
fsr-3449	294	17	identify	identify	VERB
fsr-3449	294	18	and	and	CCONJ
fsr-3449	294	19	accommodate	accommodate	ADJ
fsr-3449	294	20	consumers	consumer	NOUN
fsr-3449	294	21	’	'	PUNCT
fsr-3449	294	22	needs	need	NOUN
fsr-3449	294	23	for	for	ADP
fsr-3449	294	24	different	different	ADJ
fsr-3449	294	25	types	type	NOUN
fsr-3449	294	26	of	of	ADP
fsr-3449	294	27	life	life	NOUN
fsr-3449	294	28	insurance	insurance	NOUN
fsr-3449	294	29	.	.	PUNCT
fsr-3449	295	1	various	various	ADJ
fsr-3449	295	2	idiosyncratic	idiosyncratic	ADJ
fsr-3449	295	3	characteristics	characteristic	NOUN
fsr-3449	295	4	of	of	ADP
fsr-3449	295	5	consumers	consumer	NOUN
fsr-3449	295	6	,	,	PUNCT
fsr-3449	295	7	including	include	VERB
fsr-3449	295	8	financial	financial	ADJ
fsr-3449	295	9	,	,	PUNCT
fsr-3449	295	10	psychological	psychological	ADJ
fsr-3449	295	11	,	,	PUNCT
fsr-3449	295	12	and	and	CCONJ
fsr-3449	295	13	demographic	demographic	ADJ
fsr-3449	295	14	factors	factor	NOUN
fsr-3449	295	15	,	,	PUNCT
fsr-3449	295	16	should	should	AUX
fsr-3449	295	17	be	be	AUX
fsr-3449	295	18	considered	consider	VERB
fsr-3449	295	19	along	along	ADP
fsr-3449	295	20	with	with	ADP
fsr-3449	295	21	the	the	DET
fsr-3449	295	22	functional	functional	ADJ
fsr-3449	295	23	purposes	purpose	NOUN
fsr-3449	295	24	of	of	ADP
fsr-3449	295	25	the	the	DET
fsr-3449	295	26	life	life	NOUN
fsr-3449	295	27	insurance	insurance	NOUN
fsr-3449	295	28	being	be	AUX
fsr-3449	295	29	purchased	purchase	VERB
fsr-3449	295	30	.	.	PUNCT
fsr-3449	296	1	finally	finally	ADV
fsr-3449	296	2	,	,	PUNCT
fsr-3449	296	3	there	there	PRON
fsr-3449	296	4	are	be	VERB
fsr-3449	296	5	some	some	DET
fsr-3449	296	6	study	study	NOUN
fsr-3449	296	7	limitations	limitation	NOUN
fsr-3449	296	8	of	of	ADP
fsr-3449	296	9	the	the	DET
fsr-3449	296	10	study	study	NOUN
fsr-3449	296	11	to	to	PART
fsr-3449	296	12	mention	mention	VERB
fsr-3449	296	13	here	here	ADV
fsr-3449	296	14	.	.	PUNCT
fsr-3449	297	1	first	first	ADV
fsr-3449	297	2	,	,	PUNCT
fsr-3449	297	3	this	this	DET
fsr-3449	297	4	study	study	NOUN
fsr-3449	297	5	used	use	VERB
fsr-3449	297	6	an	an	DET
fsr-3449	297	7	online	online	ADJ
fsr-3449	297	8	consumer	consumer	NOUN
fsr-3449	297	9	survey	survey	NOUN
fsr-3449	297	10	based	base	VERB
fsr-3449	297	11	on	on	ADP
fsr-3449	297	12	random	random	ADJ
fsr-3449	297	13	sampling	sampling	NOUN
fsr-3449	297	14	methods	method	NOUN
fsr-3449	297	15	,	,	PUNCT
fsr-3449	297	16	as	as	SCONJ
fsr-3449	297	17	an	an	DET
fsr-3449	297	18	online	online	ADJ
fsr-3449	297	19	survey	survey	NOUN
fsr-3449	297	20	has	have	AUX
fsr-3449	297	21	been	be	AUX
fsr-3449	297	22	shown	show	VERB
fsr-3449	297	23	to	to	PART
fsr-3449	297	24	better	well	ADV
fsr-3449	297	25	reach	reach	VERB
fsr-3449	297	26	a	a	DET
fsr-3449	297	27	broader	broad	ADJ
fsr-3449	297	28	population	population	NOUN
fsr-3449	297	29	in	in	ADP
fsr-3449	297	30	different	different	ADJ
fsr-3449	297	31	geographic	geographic	ADJ
fsr-3449	297	32	locations	location	NOUN
fsr-3449	297	33	.	.	PUNCT
fsr-3449	298	1	however	however	ADV
fsr-3449	298	2	,	,	PUNCT
fsr-3449	298	3	our	our	PRON
fsr-3449	298	4	sample	sample	NOUN
fsr-3449	298	5	distribution	distribution	NOUN
fsr-3449	298	6	was	be	AUX
fsr-3449	298	7	somewhat	somewhat	ADV
fsr-3449	298	8	skewed	skewed	ADJ
fsr-3449	298	9	in	in	ADP
fsr-3449	298	10	terms	term	NOUN
fsr-3449	298	11	of	of	ADP
fsr-3449	298	12	some	some	DET
fsr-3449	298	13	demographic	demographic	ADJ
fsr-3449	298	14	variables	variable	NOUN
fsr-3449	298	15	,	,	PUNCT
fsr-3449	298	16	such	such	ADJ
fsr-3449	298	17	as	as	ADP
fsr-3449	298	18	gender	gender	NOUN
fsr-3449	298	19	,	,	PUNCT
fsr-3449	298	20	race	race	NOUN
fsr-3449	298	21	/	/	SYM
fsr-3449	298	22	ethnicity	ethnicity	NOUN
fsr-3449	298	23	,	,	PUNCT
fsr-3449	298	24	and	and	CCONJ
fsr-3449	298	25	income	income	NOUN
fsr-3449	298	26	.	.	PUNCT
fsr-3449	299	1	therefore	therefore	ADV
fsr-3449	299	2	,	,	PUNCT
fsr-3449	299	3	the	the	DET
fsr-3449	299	4	findings	finding	NOUN
fsr-3449	299	5	of	of	ADP
fsr-3449	299	6	the	the	DET
fsr-3449	299	7	research	research	NOUN
fsr-3449	299	8	need	need	VERB
fsr-3449	299	9	to	to	PART
fsr-3449	299	10	be	be	AUX
fsr-3449	299	11	generalized	generalize	VERB
fsr-3449	299	12	with	with	ADP
fsr-3449	299	13	caution	caution	NOUN
fsr-3449	299	14	,	,	PUNCT
fsr-3449	299	15	and	and	CCONJ
fsr-3449	299	16	future	future	ADJ
fsr-3449	299	17	studies	study	NOUN
fsr-3449	299	18	can	can	AUX
fsr-3449	299	19	extend	extend	VERB
fsr-3449	299	20	the	the	DET
fsr-3449	299	21	discussion	discussion	NOUN
fsr-3449	299	22	by	by	ADP
fsr-3449	299	23	examining	examine	VERB
fsr-3449	299	24	a	a	DET
fsr-3449	299	25	more	more	ADV
fsr-3449	299	26	diverse	diverse	ADJ
fsr-3449	299	27	population	population	NOUN
fsr-3449	299	28	.	.	PUNCT
fsr-3449	300	1	the	the	DET
fsr-3449	300	2	survey	survey	NOUN
fsr-3449	300	3	used	use	VERB
fsr-3449	300	4	for	for	ADP
fsr-3449	300	5	the	the	DET
fsr-3449	300	6	study	study	NOUN
fsr-3449	300	7	also	also	ADV
fsr-3449	300	8	does	do	AUX
fsr-3449	300	9	not	not	PART
fsr-3449	300	10	include	include	VERB
fsr-3449	300	11	questions	question	NOUN
fsr-3449	300	12	about	about	ADP
fsr-3449	300	13	the	the	DET
fsr-3449	300	14	amount	amount	NOUN
fsr-3449	300	15	of	of	ADP
fsr-3449	300	16	the	the	DET
fsr-3449	300	17	life	life	NOUN
fsr-3449	300	18	insurance	insurance	NOUN
fsr-3449	300	19	policies	policy	NOUN
fsr-3449	300	20	or	or	CCONJ
fsr-3449	300	21	how	how	SCONJ
fsr-3449	300	22	the	the	DET
fsr-3449	300	23	insurance	insurance	NOUN
fsr-3449	300	24	was	be	AUX
fsr-3449	300	25	purchased	purchase	VERB
fsr-3449	300	26	(	(	PUNCT
fsr-3449	300	27	e.g.	e.g.	ADV
fsr-3449	300	28	,	,	PUNCT
fsr-3449	300	29	through	through	ADP
fsr-3449	300	30	an	an	DET
fsr-3449	300	31	employer	employer	NOUN
fsr-3449	300	32	,	,	PUNCT
fsr-3449	300	33	such	such	ADJ
fsr-3449	300	34	as	as	ADP
fsr-3449	300	35	group	group	NOUN
fsr-3449	300	36	life	life	NOUN
fsr-3449	300	37	insurance	insurance	NOUN
fsr-3449	300	38	,	,	PUNCT
fsr-3449	300	39	or	or	CCONJ
fsr-3449	300	40	individually	individually	ADV
fsr-3449	300	41	)	)	PUNCT
fsr-3449	300	42	,	,	PUNCT
fsr-3449	300	43	which	which	PRON
fsr-3449	300	44	can	can	AUX
fsr-3449	300	45	possibly	possibly	ADV
fsr-3449	300	46	be	be	AUX
fsr-3449	300	47	related	relate	VERB
fsr-3449	300	48	to	to	ADP
fsr-3449	300	49	the	the	DET
fsr-3449	300	50	ownership	ownership	NOUN
fsr-3449	300	51	of	of	ADP
fsr-3449	300	52	life	life	NOUN
fsr-3449	300	53	insurance	insurance	NOUN
fsr-3449	300	54	and	and	CCONJ
fsr-3449	300	55	might	might	AUX
fsr-3449	300	56	be	be	AUX
fsr-3449	300	57	helpful	helpful	ADJ
fsr-3449	300	58	to	to	ADP
fsr-3449	300	59	financial	financial	ADJ
fsr-3449	300	60	professionals	professional	NOUN
fsr-3449	300	61	when	when	SCONJ
fsr-3449	300	62	identifying	identify	VERB
fsr-3449	300	63	the	the	DET
fsr-3449	300	64	needs	need	NOUN
fsr-3449	300	65	of	of	ADP
fsr-3449	300	66	their	their	PRON
fsr-3449	300	67	clients	client	NOUN
fsr-3449	300	68	before	before	ADP
fsr-3449	300	69	advising	advise	VERB
fsr-3449	300	70	them	they	PRON
fsr-3449	300	71	in	in	ADP
fsr-3449	300	72	their	their	PRON
fsr-3449	300	73	decision	decision	NOUN
fsr-3449	300	74	of	of	ADP
fsr-3449	300	75	what	what	DET
fsr-3449	300	76	type	type	NOUN
fsr-3449	300	77	of	of	ADP
fsr-3449	300	78	life	life	NOUN
fsr-3449	300	79	insurance	insurance	NOUN
fsr-3449	300	80	policy	policy	NOUN
fsr-3449	300	81	to	to	PART
fsr-3449	300	82	pursue	pursue	VERB
fsr-3449	300	83	.	.	PUNCT
fsr-3449	301	1	thus	thus	ADV
fsr-3449	301	2	,	,	PUNCT
fsr-3449	301	3	future	future	ADJ
fsr-3449	301	4	studies	study	NOUN
fsr-3449	301	5	are	be	AUX
fsr-3449	301	6	desired	desire	VERB
fsr-3449	301	7	to	to	PART
fsr-3449	301	8	examine	examine	VERB
fsr-3449	301	9	additional	additional	ADJ
fsr-3449	301	10	characteristics	characteristic	NOUN
fsr-3449	301	11	of	of	ADP
fsr-3449	301	12	life	life	NOUN
fsr-3449	301	13	insurance	insurance	NOUN
fsr-3449	301	14	purchasing	purchasing	NOUN
fsr-3449	301	15	with	with	ADP
fsr-3449	301	16	different	different	ADJ
fsr-3449	301	17	data	datum	NOUN
fsr-3449	301	18	.	.	PUNCT
fsr-3449	302	1	116	116	NUM
fsr-3449	302	2	w.	w.	PROPN
fsr-3449	302	3	heo	heo	PROPN
fsr-3449	302	4	et	et	PROPN
fsr-3449	302	5	al	al	PROPN
fsr-3449	302	6	.	.	PUNCT
fsr-3449	302	7	/	/	SYM
fsr-3449	302	8	financial	financial	ADJ
fsr-3449	302	9	services	service	NOUN
fsr-3449	302	10	review	review	VERB
fsr-3449	302	11	29	29	NUM
fsr-3449	302	12	(	(	PUNCT
fsr-3449	302	13	2021	2021	NUM
fsr-3449	302	14	)	)	PUNCT
fsr-3449	302	15	101–119	101–119	NUM
fsr-3449	302	16	acknowledgment	acknowledgment	NOUN
fsr-3449	302	17	this	this	DET
fsr-3449	302	18	work	work	NOUN
fsr-3449	302	19	was	be	AUX
fsr-3449	302	20	supported	support	VERB
fsr-3449	302	21	by	by	ADP
fsr-3449	302	22	the	the	DET
fsr-3449	302	23	usda	usda	PROPN
fsr-3449	302	24	national	national	PROPN
fsr-3449	302	25	institute	institute	PROPN
fsr-3449	302	26	of	of	ADP
fsr-3449	302	27	food	food	NOUN
fsr-3449	302	28	and	and	CCONJ
fsr-3449	302	29	agriculture	agriculture	NOUN
fsr-3449	302	30	,	,	PUNCT
fsr-3449	302	31	hatch	hatch	NOUN
fsr-3449	302	32	project	project	NOUN
fsr-3449	302	33	1017028	1017028	NUM
fsr-3449	302	34	.	.	PUNCT
fsr-3449	303	1	references	reference	NOUN
fsr-3449	303	2	ajzen	ajzen	PROPN
fsr-3449	303	3	,	,	PUNCT
fsr-3449	303	4	i.	i.	NOUN
fsr-3449	303	5	(	(	PUNCT
fsr-3449	303	6	2002	2002	NUM
fsr-3449	303	7	)	)	PUNCT
fsr-3449	303	8	.	.	PUNCT
fsr-3449	304	1	perceived	perceive	VERB
fsr-3449	304	2	behavioral	behavioral	ADJ
fsr-3449	304	3	control	control	NOUN
fsr-3449	304	4	,	,	PUNCT
fsr-3449	304	5	self	self	NOUN
fsr-3449	304	6	-	-	PUNCT
fsr-3449	304	7	efficacy	efficacy	NOUN
fsr-3449	304	8	,	,	PUNCT
fsr-3449	304	9	locus	locus	NOUN
fsr-3449	304	10	of	of	ADP
fsr-3449	304	11	control	control	NOUN
fsr-3449	304	12	,	,	PUNCT
fsr-3449	304	13	and	and	CCONJ
fsr-3449	304	14	the	the	DET
fsr-3449	304	15	theory	theory	NOUN
fsr-3449	304	16	of	of	ADP
fsr-3449	304	17	planned	plan	VERB
fsr-3449	304	18	behavior	behavior	NOUN
fsr-3449	304	19	1	1	NUM
fsr-3449	304	20	.	.	PUNCT
fsr-3449	304	21	journal	journal	NOUN
fsr-3449	304	22	of	of	ADP
fsr-3449	304	23	applied	apply	VERB
fsr-3449	304	24	social	social	ADJ
fsr-3449	304	25	psychology	psychology	NOUN
fsr-3449	304	26	,	,	PUNCT
fsr-3449	304	27	32	32	NUM
fsr-3449	304	28	,	,	PUNCT
fsr-3449	304	29	665	665	NUM
fsr-3449	304	30	-	-	SYM
fsr-3449	304	31	683	683	NUM
fsr-3449	304	32	.	.	PUNCT
fsr-3449	305	1	amatucci	amatucci	PROPN
fsr-3449	305	2	,	,	PUNCT
fsr-3449	305	3	f.	f.	PROPN
fsr-3449	305	4	m.	m.	PROPN
fsr-3449	305	5	,	,	PUNCT
fsr-3449	305	6	&	&	CCONJ
fsr-3449	305	7	crawley	crawley	PROPN
fsr-3449	305	8	,	,	PUNCT
fsr-3449	305	9	d.	d.	PROPN
fsr-3449	305	10	c.	c.	PROPN
fsr-3449	305	11	(	(	PUNCT
fsr-3449	305	12	2011	2011	NUM
fsr-3449	305	13	)	)	PUNCT
fsr-3449	305	14	.	.	PUNCT
fsr-3449	306	1	financial	financial	ADJ
fsr-3449	306	2	self	self	NOUN
fsr-3449	306	3	-	-	PUNCT
fsr-3449	306	4	efficacy	efficacy	NOUN
fsr-3449	306	5	among	among	ADP
fsr-3449	306	6	women	woman	NOUN
fsr-3449	306	7	entrepreneurs	entrepreneur	NOUN
fsr-3449	306	8	.	.	PUNCT
fsr-3449	307	1	international	international	ADJ
fsr-3449	307	2	journal	journal	PROPN
fsr-3449	307	3	of	of	ADP
fsr-3449	307	4	gender	gender	NOUN
fsr-3449	307	5	and	and	CCONJ
fsr-3449	307	6	entrepreneurship	entrepreneurship	NOUN
fsr-3449	307	7	,	,	PUNCT
fsr-3449	307	8	3	3	NUM
fsr-3449	307	9	,	,	PUNCT
fsr-3449	307	10	23	23	NUM
fsr-3449	307	11	-	-	SYM
fsr-3449	307	12	37	37	NUM
fsr-3449	307	13	.	.	PUNCT
fsr-3449	308	1	anderson	anderson	PROPN
fsr-3449	308	2	,	,	PUNCT
fsr-3449	308	3	d.	d.	PROPN
fsr-3449	308	4	r.	r.	PROPN
fsr-3449	308	5	,	,	PUNCT
fsr-3449	308	6	&	&	CCONJ
fsr-3449	308	7	nevin	nevin	PROPN
fsr-3449	308	8	,	,	PUNCT
fsr-3449	308	9	j.	j.	PROPN
fsr-3449	308	10	r.	r.	PROPN
fsr-3449	308	11	(	(	PUNCT
fsr-3449	308	12	1975	1975	NUM
fsr-3449	308	13	)	)	PUNCT
fsr-3449	308	14	.	.	PUNCT
fsr-3449	309	1	determinants	determinant	NOUN
fsr-3449	309	2	of	of	ADP
fsr-3449	309	3	young	young	ADJ
fsr-3449	309	4	marrieds	married	NOUN
fsr-3449	309	5	’	'	PUNCT
fsr-3449	309	6	life	life	NOUN
fsr-3449	309	7	insurance	insurance	NOUN
fsr-3449	309	8	purchasing	purchasing	NOUN
fsr-3449	309	9	behavior	behavior	NOUN
fsr-3449	309	10	:	:	PUNCT
fsr-3449	309	11	an	an	DET
fsr-3449	309	12	empirical	empirical	ADJ
fsr-3449	309	13	investigation	investigation	NOUN
fsr-3449	309	14	.	.	PUNCT
fsr-3449	310	1	the	the	DET
fsr-3449	310	2	journal	journal	NOUN
fsr-3449	310	3	of	of	ADP
fsr-3449	310	4	risk	risk	NOUN
fsr-3449	310	5	and	and	CCONJ
fsr-3449	310	6	insurance	insurance	NOUN
fsr-3449	310	7	,	,	PUNCT
fsr-3449	310	8	42	42	NUM
fsr-3449	310	9	,	,	PUNCT
fsr-3449	310	10	375	375	NUM
fsr-3449	310	11	-	-	SYM
fsr-3449	310	12	387	387	NUM
fsr-3449	310	13	.	.	PUNCT
fsr-3449	310	14	asebedo	asebedo	PROPN
fsr-3449	310	15	,	,	PUNCT
fsr-3449	310	16	s.	s.	PROPN
fsr-3449	310	17	d.	d.	PROPN
fsr-3449	310	18	,	,	PUNCT
fsr-3449	310	19	&	&	CCONJ
fsr-3449	310	20	seay	seay	PROPN
fsr-3449	310	21	,	,	PUNCT
fsr-3449	310	22	m.	m.	NOUN
fsr-3449	310	23	c.	c.	PROPN
fsr-3449	310	24	(	(	PUNCT
fsr-3449	310	25	2018	2018	NUM
fsr-3449	310	26	)	)	PUNCT
fsr-3449	310	27	.	.	PUNCT
fsr-3449	311	1	financial	financial	ADJ
fsr-3449	311	2	self	self	NOUN
fsr-3449	311	3	-	-	PUNCT
fsr-3449	311	4	efficacy	efficacy	NOUN
fsr-3449	311	5	and	and	CCONJ
fsr-3449	311	6	the	the	DET
fsr-3449	311	7	saving	save	VERB
fsr-3449	311	8	behavior	behavior	NOUN
fsr-3449	311	9	of	of	ADP
fsr-3449	311	10	older	old	ADJ
fsr-3449	311	11	pre	pre	NOUN
fsr-3449	311	12	-	-	NOUN
fsr-3449	311	13	retirees	retiree	NOUN
fsr-3449	311	14	.	.	PUNCT
fsr-3449	312	1	journal	journal	PROPN
fsr-3449	312	2	of	of	ADP
fsr-3449	312	3	financial	financial	ADJ
fsr-3449	312	4	counseling	counseling	NOUN
fsr-3449	312	5	and	and	CCONJ
fsr-3449	312	6	planning	planning	NOUN
fsr-3449	312	7	,	,	PUNCT
fsr-3449	312	8	29	29	NUM
fsr-3449	312	9	,	,	PUNCT
fsr-3449	312	10	357	357	NUM
fsr-3449	312	11	-	-	SYM
fsr-3449	312	12	368	368	NUM
fsr-3449	312	13	.	.	PUNCT
fsr-3449	313	1	baek	baek	PROPN
fsr-3449	313	2	,	,	PUNCT
fsr-3449	313	3	e.	e.	PROPN
fsr-3449	313	4	,	,	PUNCT
fsr-3449	313	5	&	&	CCONJ
fsr-3449	313	6	devaney	devaney	PROPN
fsr-3449	313	7	,	,	PUNCT
fsr-3449	313	8	s.	s.	PROPN
fsr-3449	313	9	a.	a.	PROPN
fsr-3449	313	10	(	(	PUNCT
fsr-3449	313	11	2005	2005	NUM
fsr-3449	313	12	)	)	PUNCT
fsr-3449	313	13	.	.	PUNCT
fsr-3449	314	1	human	human	ADJ
fsr-3449	314	2	capital	capital	NOUN
fsr-3449	314	3	,	,	PUNCT
fsr-3449	314	4	bequest	bequest	NOUN
fsr-3449	314	5	motives	motive	NOUN
fsr-3449	314	6	,	,	PUNCT
fsr-3449	314	7	risk	risk	NOUN
fsr-3449	314	8	,	,	PUNCT
fsr-3449	314	9	and	and	CCONJ
fsr-3449	314	10	the	the	DET
fsr-3449	314	11	purchase	purchase	NOUN
fsr-3449	314	12	of	of	ADP
fsr-3449	314	13	life	life	NOUN
fsr-3449	314	14	insurance	insurance	NOUN
fsr-3449	314	15	.	.	PUNCT
fsr-3449	315	1	journal	journal	NOUN
fsr-3449	315	2	of	of	ADP
fsr-3449	315	3	personal	personal	ADJ
fsr-3449	315	4	finance	finance	NOUN
fsr-3449	315	5	,	,	PUNCT
fsr-3449	315	6	4	4	NUM
fsr-3449	315	7	,	,	PUNCT
fsr-3449	315	8	62	62	NUM
fsr-3449	315	9	-	-	SYM
fsr-3449	315	10	84	84	NUM
fsr-3449	315	11	.	.	PUNCT
fsr-3449	316	1	bandura	bandura	NOUN
fsr-3449	316	2	,	,	PUNCT
fsr-3449	316	3	a.	a.	NOUN
fsr-3449	316	4	(	(	PUNCT
fsr-3449	316	5	1977	1977	NUM
fsr-3449	316	6	)	)	PUNCT
fsr-3449	316	7	.	.	PUNCT
fsr-3449	317	1	self	self	NOUN
fsr-3449	317	2	-	-	PUNCT
fsr-3449	317	3	efficacy	efficacy	NOUN
fsr-3449	317	4	:	:	PUNCT
fsr-3449	317	5	toward	toward	ADP
fsr-3449	317	6	a	a	DET
fsr-3449	317	7	unifying	unifying	ADJ
fsr-3449	317	8	theory	theory	NOUN
fsr-3449	317	9	of	of	ADP
fsr-3449	317	10	behavioral	behavioral	ADJ
fsr-3449	317	11	change	change	NOUN
fsr-3449	317	12	.	.	PUNCT
fsr-3449	318	1	psychological	psychological	ADJ
fsr-3449	318	2	review	review	NOUN
fsr-3449	318	3	,	,	PUNCT
fsr-3449	318	4	84	84	NUM
fsr-3449	318	5	,	,	PUNCT
fsr-3449	318	6	191	191	NUM
fsr-3449	318	7	-	-	SYM
fsr-3449	318	8	215	215	NUM
fsr-3449	318	9	.	.	PUNCT
fsr-3449	319	1	bandura	bandura	NOUN
fsr-3449	319	2	,	,	PUNCT
fsr-3449	319	3	a.	a.	NOUN
fsr-3449	319	4	(	(	PUNCT
fsr-3449	319	5	2006	2006	NUM
fsr-3449	319	6	)	)	PUNCT
fsr-3449	319	7	.	.	PUNCT
fsr-3449	320	1	guide	guide	VERB
fsr-3449	320	2	for	for	ADP
fsr-3449	320	3	constructing	construct	VERB
fsr-3449	320	4	self	self	NOUN
fsr-3449	320	5	-	-	PUNCT
fsr-3449	320	6	efficacy	efficacy	NOUN
fsr-3449	320	7	scales	scale	NOUN
fsr-3449	320	8	.	.	PUNCT
fsr-3449	321	1	in	in	ADP
fsr-3449	321	2	f.	f.	PROPN
fsr-3449	321	3	pajares	pajares	PROPN
fsr-3449	321	4	&	&	CCONJ
fsr-3449	321	5	t.	t.	PROPN
fsr-3449	321	6	urdan	urdan	PROPN
fsr-3449	321	7	(	(	PUNCT
fsr-3449	321	8	eds	ed	NOUN
fsr-3449	321	9	.	.	PUNCT
fsr-3449	321	10	)	)	PUNCT
fsr-3449	321	11	,	,	PUNCT
fsr-3449	321	12	self	self	NOUN
fsr-3449	321	13	-	-	PUNCT
fsr-3449	321	14	efficacy	efficacy	NOUN
fsr-3449	321	15	beliefs	belief	NOUN
fsr-3449	321	16	of	of	ADP
fsr-3449	321	17	adolescents	adolescent	NOUN
fsr-3449	321	18	(	(	PUNCT
fsr-3449	321	19	pp	pp	ADJ
fsr-3449	321	20	.	.	PUNCT
fsr-3449	322	1	307	307	NUM
fsr-3449	322	2	-	-	SYM
fsr-3449	322	3	337	337	NUM
fsr-3449	322	4	)	)	PUNCT
fsr-3449	322	5	.	.	PUNCT
fsr-3449	323	1	greenwith	greenwith	NOUN
fsr-3449	323	2	,	,	PUNCT
fsr-3449	323	3	ct	ct	PRON
fsr-3449	323	4	:	:	PUNCT
fsr-3449	323	5	information	information	NOUN
fsr-3449	323	6	age	age	NOUN
fsr-3449	323	7	publishing	publishing	PROPN
fsr-3449	323	8	banerjee	banerjee	PROPN
fsr-3449	323	9	,	,	PUNCT
fsr-3449	323	10	a.	a.	PROPN
fsr-3449	323	11	,	,	PUNCT
fsr-3449	323	12	chitnis	chitnis	PROPN
fsr-3449	323	13	,	,	PUNCT
fsr-3449	323	14	u.	u.	PROPN
fsr-3449	323	15	b.	b.	PROPN
fsr-3449	323	16	,	,	PUNCT
fsr-3449	323	17	jadhav	jadhav	PROPN
fsr-3449	323	18	,	,	PUNCT
fsr-3449	323	19	s.	s.	PROPN
fsr-3449	323	20	l.	l.	PROPN
fsr-3449	323	21	,	,	PUNCT
fsr-3449	323	22	bhawalkar	bhawalkar	PROPN
fsr-3449	323	23	,	,	PUNCT
fsr-3449	323	24	j.	j.	PROPN
fsr-3449	323	25	s.	s.	PROPN
fsr-3449	323	26	,	,	PUNCT
fsr-3449	323	27	&	&	CCONJ
fsr-3449	323	28	chaudhury	chaudhury	PROPN
fsr-3449	323	29	,	,	PUNCT
fsr-3449	323	30	s.	s.	PROPN
fsr-3449	323	31	(	(	PUNCT
fsr-3449	323	32	2009	2009	NUM
fsr-3449	323	33	)	)	PUNCT
fsr-3449	323	34	.	.	PUNCT
fsr-3449	324	1	hypothesis	hypothesis	NOUN
fsr-3449	324	2	testing	testing	NOUN
fsr-3449	324	3	,	,	PUNCT
fsr-3449	324	4	type	type	NOUN
fsr-3449	324	5	i	i	PRON
fsr-3449	324	6	and	and	CCONJ
fsr-3449	324	7	type	type	NOUN
fsr-3449	324	8	ii	ii	NOUN
fsr-3449	324	9	errors	error	NOUN
fsr-3449	324	10	.	.	PUNCT
fsr-3449	325	1	industrial	industrial	ADJ
fsr-3449	325	2	psychiatry	psychiatry	PROPN
fsr-3449	325	3	journal	journal	NOUN
fsr-3449	325	4	,	,	PUNCT
fsr-3449	325	5	18	18	NUM
fsr-3449	325	6	,	,	PUNCT
fsr-3449	325	7	127	127	NUM
fsr-3449	325	8	-	-	SYM
fsr-3449	325	9	131	131	NUM
fsr-3449	325	10	.	.	PUNCT
fsr-3449	325	11	brown	brown	PROPN
fsr-3449	325	12	,	,	PUNCT
fsr-3449	325	13	j.	j.	PROPN
fsr-3449	325	14	r.	r.	PROPN
fsr-3449	325	15	,	,	PUNCT
fsr-3449	325	16	&	&	CCONJ
fsr-3449	325	17	goolsbee	goolsbee	PROPN
fsr-3449	325	18	,	,	PUNCT
fsr-3449	325	19	a.	a.	NOUN
fsr-3449	325	20	(	(	PUNCT
fsr-3449	325	21	2002	2002	NUM
fsr-3449	325	22	)	)	PUNCT
fsr-3449	325	23	.	.	PUNCT
fsr-3449	326	1	does	do	AUX
fsr-3449	326	2	the	the	DET
fsr-3449	326	3	internet	internet	NOUN
fsr-3449	326	4	make	make	VERB
fsr-3449	326	5	markets	market	NOUN
fsr-3449	326	6	more	more	ADV
fsr-3449	326	7	competitive	competitive	ADJ
fsr-3449	326	8	?	?	PUNCT
fsr-3449	327	1	evidence	evidence	NOUN
fsr-3449	327	2	from	from	ADP
fsr-3449	327	3	the	the	DET
fsr-3449	327	4	life	life	NOUN
fsr-3449	327	5	insurance	insurance	NOUN
fsr-3449	327	6	industry	industry	NOUN
fsr-3449	327	7	.	.	PUNCT
fsr-3449	328	1	journal	journal	NOUN
fsr-3449	328	2	of	of	ADP
fsr-3449	328	3	political	political	ADJ
fsr-3449	328	4	economy	economy	NOUN
fsr-3449	328	5	,	,	PUNCT
fsr-3449	328	6	110	110	NUM
fsr-3449	328	7	,	,	PUNCT
fsr-3449	328	8	481	481	NUM
fsr-3449	328	9	-	-	SYM
fsr-3449	328	10	507	507	NUM
fsr-3449	328	11	.	.	PUNCT
fsr-3449	329	1	burnett	burnett	PROPN
fsr-3449	329	2	,	,	PUNCT
fsr-3449	329	3	j.	j.	PROPN
fsr-3449	329	4	j.	j.	PROPN
fsr-3449	329	5	,	,	PUNCT
fsr-3449	329	6	&	&	CCONJ
fsr-3449	329	7	palmer	palmer	PROPN
fsr-3449	329	8	,	,	PUNCT
fsr-3449	329	9	b.	b.	PROPN
fsr-3449	329	10	a.	a.	PROPN
fsr-3449	329	11	(	(	PUNCT
fsr-3449	329	12	1984	1984	NUM
fsr-3449	329	13	)	)	PUNCT
fsr-3449	329	14	.	.	PUNCT
fsr-3449	330	1	examining	examine	VERB
fsr-3449	330	2	life	life	NOUN
fsr-3449	330	3	insurance	insurance	NOUN
fsr-3449	330	4	ownership	ownership	NOUN
fsr-3449	330	5	through	through	ADP
fsr-3449	330	6	demographic	demographic	ADJ
fsr-3449	330	7	and	and	CCONJ
fsr-3449	330	8	psychographic	psychographic	ADJ
fsr-3449	330	9	characteristics	characteristic	NOUN
fsr-3449	330	10	.	.	PUNCT
fsr-3449	331	1	the	the	DET
fsr-3449	331	2	journal	journal	NOUN
fsr-3449	331	3	of	of	ADP
fsr-3449	331	4	risk	risk	NOUN
fsr-3449	331	5	and	and	CCONJ
fsr-3449	331	6	insurance	insurance	NOUN
fsr-3449	331	7	,	,	PUNCT
fsr-3449	331	8	51	51	NUM
fsr-3449	331	9	,	,	PUNCT
fsr-3449	331	10	453	453	NUM
fsr-3449	331	11	-	-	SYM
fsr-3449	331	12	467	467	NUM
fsr-3449	331	13	.	.	PUNCT
fsr-3449	332	1	chen	chen	PROPN
fsr-3449	332	2	,	,	PUNCT
fsr-3449	332	3	p.	p.	PROPN
fsr-3449	332	4	,	,	PUNCT
fsr-3449	332	5	ibbotson	ibbotson	PROPN
fsr-3449	332	6	,	,	PUNCT
fsr-3449	332	7	r.	r.	PROPN
fsr-3449	332	8	g.	g.	PROPN
fsr-3449	332	9	,	,	PUNCT
fsr-3449	332	10	milevsky	milevsky	NOUN
fsr-3449	332	11	,	,	PUNCT
fsr-3449	332	12	m.	m.	NOUN
fsr-3449	332	13	a.	a.	PROPN
fsr-3449	332	14	,	,	PUNCT
fsr-3449	332	15	&	&	CCONJ
fsr-3449	332	16	zhu	zhu	PROPN
fsr-3449	332	17	,	,	PUNCT
fsr-3449	332	18	k.	k.	PROPN
fsr-3449	332	19	x.	x.	PROPN
fsr-3449	332	20	(	(	PUNCT
fsr-3449	332	21	2006	2006	NUM
fsr-3449	332	22	)	)	PUNCT
fsr-3449	332	23	.	.	PUNCT
fsr-3449	333	1	human	human	ADJ
fsr-3449	333	2	capital	capital	NOUN
fsr-3449	333	3	,	,	PUNCT
fsr-3449	333	4	asset	asset	NOUN
fsr-3449	333	5	allocation	allocation	NOUN
fsr-3449	333	6	,	,	PUNCT
fsr-3449	333	7	and	and	CCONJ
fsr-3449	333	8	life	life	NOUN
fsr-3449	333	9	insurance	insurance	NOUN
fsr-3449	333	10	.	.	PUNCT
fsr-3449	334	1	financial	financial	ADJ
fsr-3449	334	2	analysts	analyst	NOUN
fsr-3449	334	3	journal	journal	NOUN
fsr-3449	334	4	,	,	PUNCT
fsr-3449	334	5	62	62	NUM
fsr-3449	334	6	,	,	PUNCT
fsr-3449	334	7	97	97	NUM
fsr-3449	334	8	-	-	SYM
fsr-3449	334	9	109	109	NUM
fsr-3449	334	10	.	.	PUNCT
fsr-3449	335	1	cheung	cheung	PROPN
fsr-3449	335	2	,	,	PUNCT
fsr-3449	335	3	f.	f.	PROPN
fsr-3449	335	4	,	,	PUNCT
fsr-3449	335	5	&	&	CCONJ
fsr-3449	335	6	lucas	lucas	PROPN
fsr-3449	335	7	,	,	PUNCT
fsr-3449	335	8	r.	r.	PROPN
fsr-3449	335	9	e.	e.	PROPN
fsr-3449	335	10	(	(	PUNCT
fsr-3449	335	11	2015	2015	NUM
fsr-3449	335	12	)	)	PUNCT
fsr-3449	335	13	.	.	PUNCT
fsr-3449	336	1	when	when	SCONJ
fsr-3449	336	2	does	do	AUX
fsr-3449	336	3	money	money	NOUN
fsr-3449	336	4	matter	matter	VERB
fsr-3449	336	5	most	most	ADV
fsr-3449	336	6	?	?	PUNCT
fsr-3449	337	1	examining	examine	VERB
fsr-3449	337	2	the	the	DET
fsr-3449	337	3	association	association	NOUN
fsr-3449	337	4	between	between	ADP
fsr-3449	337	5	income	income	NOUN
fsr-3449	337	6	and	and	CCONJ
fsr-3449	337	7	life	life	NOUN
fsr-3449	337	8	satisfaction	satisfaction	NOUN
fsr-3449	337	9	over	over	ADP
fsr-3449	337	10	the	the	DET
fsr-3449	337	11	life	life	NOUN
fsr-3449	337	12	course	course	NOUN
fsr-3449	337	13	.	.	PUNCT
fsr-3449	338	1	psychology	psychology	NOUN
fsr-3449	338	2	and	and	CCONJ
fsr-3449	338	3	aging	aging	NOUN
fsr-3449	338	4	,	,	PUNCT
fsr-3449	338	5	30	30	NUM
fsr-3449	338	6	,	,	PUNCT
fsr-3449	338	7	120	120	NUM
fsr-3449	338	8	-	-	SYM
fsr-3449	338	9	135	135	NUM
fsr-3449	338	10	.	.	PUNCT
fsr-3449	338	11	clark	clark	PROPN
fsr-3449	338	12	,	,	PUNCT
fsr-3449	338	13	b.	b.	PROPN
fsr-3449	338	14	z.	z.	PROPN
fsr-3449	338	15	(	(	PUNCT
fsr-3449	338	16	2010	2010	NUM
fsr-3449	338	17	)	)	PUNCT
fsr-3449	338	18	.	.	PUNCT
fsr-3449	339	1	spousal	spousal	PROPN
fsr-3449	339	2	life	life	PROPN
fsr-3449	339	3	time	time	NOUN
fsr-3449	339	4	access	access	NOUN
fsr-3449	339	5	trusts	trust	NOUN
fsr-3449	339	6	:	:	PUNCT
fsr-3449	339	7	planning	plan	VERB
fsr-3449	339	8	opportunities	opportunity	NOUN
fsr-3449	339	9	using	use	VERB
fsr-3449	339	10	second	second	ADJ
fsr-3449	339	11	�	�	PROPN
fsr-3449	339	12	to	to	PART
fsr-3449	339	13	�	�	NOUN
fsr-3449	339	14	die	die	VERB
fsr-3449	339	15	life	life	NOUN
fsr-3449	339	16	insurance	insurance	NOUN
fsr-3449	339	17	policies	policy	NOUN
fsr-3449	339	18	.	.	PUNCT
fsr-3449	340	1	journal	journal	NOUN
fsr-3449	340	2	of	of	ADP
fsr-3449	340	3	financial	financial	ADJ
fsr-3449	340	4	services	service	NOUN
fsr-3449	340	5	professionals	professional	NOUN
fsr-3449	340	6	,	,	PUNCT
fsr-3449	340	7	64	64	NUM
fsr-3449	340	8	,	,	PUNCT
fsr-3449	340	9	50	50	NUM
fsr-3449	340	10	-	-	SYM
fsr-3449	340	11	56	56	NUM
fsr-3449	340	12	.	.	PUNCT
fsr-3449	341	1	cobb	cobb	PROPN
fsr-3449	341	2	-	-	PUNCT
fsr-3449	341	3	clark	clark	PROPN
fsr-3449	341	4	,	,	PUNCT
fsr-3449	341	5	d.	d.	PROPN
fsr-3449	341	6	a.	a.	PROPN
fsr-3449	341	7	,	,	PUNCT
fsr-3449	341	8	kassenboehmer	kassenboehmer	PROPN
fsr-3449	341	9	,	,	PUNCT
fsr-3449	341	10	s.	s.	PROPN
fsr-3449	341	11	c.	c.	PROPN
fsr-3449	341	12	,	,	PUNCT
fsr-3449	341	13	&	&	CCONJ
fsr-3449	341	14	sinning	sinning	NOUN
fsr-3449	341	15	,	,	PUNCT
fsr-3449	341	16	m.	m.	NOUN
fsr-3449	341	17	g.	g.	PROPN
fsr-3449	341	18	(	(	PUNCT
fsr-3449	341	19	2016	2016	NUM
fsr-3449	341	20	)	)	PUNCT
fsr-3449	341	21	.	.	PUNCT
fsr-3449	342	1	locus	locus	NOUN
fsr-3449	342	2	of	of	ADP
fsr-3449	342	3	control	control	NOUN
fsr-3449	342	4	and	and	CCONJ
fsr-3449	342	5	savings	saving	NOUN
fsr-3449	342	6	.	.	PUNCT
fsr-3449	343	1	journal	journal	PROPN
fsr-3449	343	2	of	of	ADP
fsr-3449	343	3	banking	banking	NOUN
fsr-3449	343	4	&	&	CCONJ
fsr-3449	343	5	finance	finance	PROPN
fsr-3449	343	6	,	,	PUNCT
fsr-3449	343	7	73	73	NUM
fsr-3449	343	8	,	,	PUNCT
fsr-3449	343	9	113	113	NUM
fsr-3449	343	10	-	-	SYM
fsr-3449	343	11	130	130	NUM
fsr-3449	343	12	.	.	PUNCT
fsr-3449	344	1	cordell	cordell	PROPN
fsr-3449	344	2	,	,	PUNCT
fsr-3449	344	3	d.	d.	PROPN
fsr-3449	344	4	m.	m.	PROPN
fsr-3449	344	5	,	,	PUNCT
fsr-3449	344	6	&	&	CCONJ
fsr-3449	344	7	landgon	landgon	PROPN
fsr-3449	344	8	,	,	PUNCT
fsr-3449	344	9	t.	t.	PROPN
fsr-3449	344	10	p.	p.	PROPN
fsr-3449	344	11	(	(	PUNCT
fsr-3449	344	12	2013	2013	NUM
fsr-3449	344	13	)	)	PUNCT
fsr-3449	344	14	.	.	PUNCT
fsr-3449	345	1	using	use	VERB
fsr-3449	345	2	life	life	NOUN
fsr-3449	345	3	insurance	insurance	NOUN
fsr-3449	345	4	to	to	PART
fsr-3449	345	5	fund	fund	VERB
fsr-3449	345	6	special	special	ADJ
fsr-3449	345	7	needs	need	NOUN
fsr-3449	345	8	trusts	trust	NOUN
fsr-3449	345	9	.	.	PUNCT
fsr-3449	346	1	journal	journal	NOUN
fsr-3449	346	2	of	of	ADP
fsr-3449	346	3	financial	financial	ADJ
fsr-3449	346	4	planning	planning	NOUN
fsr-3449	346	5	,	,	PUNCT
fsr-3449	346	6	26	26	NUM
fsr-3449	346	7	,	,	PUNCT
fsr-3449	346	8	34	34	NUM
fsr-3449	346	9	-	-	SYM
fsr-3449	346	10	35	35	NUM
fsr-3449	346	11	.	.	PUNCT
fsr-3449	346	12	cymbal	cymbal	PROPN
fsr-3449	346	13	,	,	PUNCT
fsr-3449	346	14	k.	k.	PROPN
fsr-3449	346	15	m.	m.	PROPN
fsr-3449	346	16	(	(	PUNCT
fsr-3449	346	17	2013	2013	NUM
fsr-3449	346	18	)	)	PUNCT
fsr-3449	346	19	.	.	PUNCT
fsr-3449	347	1	choosing	choose	VERB
fsr-3449	347	2	a	a	DET
fsr-3449	347	3	family	family	NOUN
fsr-3449	347	4	member	member	NOUN
fsr-3449	347	5	as	as	ADP
fsr-3449	347	6	trustee	trustee	NOUN
fsr-3449	347	7	of	of	ADP
fsr-3449	347	8	an	an	DET
fsr-3449	347	9	irrevocable	irrevocable	ADJ
fsr-3449	347	10	life	life	NOUN
fsr-3449	347	11	insurance	insurance	NOUN
fsr-3449	347	12	trust	trust	PROPN
fsr-3449	347	13	.	.	PUNCT
fsr-3449	348	1	journal	journal	PROPN
fsr-3449	348	2	of	of	ADP
fsr-3449	348	3	financial	financial	ADJ
fsr-3449	348	4	services	service	NOUN
fsr-3449	348	5	professionals	professional	NOUN
fsr-3449	348	6	,	,	PUNCT
fsr-3449	348	7	67	67	NUM
fsr-3449	348	8	,	,	PUNCT
fsr-3449	348	9	41	41	NUM
fsr-3449	348	10	-	-	SYM
fsr-3449	348	11	52	52	NUM
fsr-3449	348	12	.	.	PUNCT
fsr-3449	349	1	danes	dane	NOUN
fsr-3449	349	2	,	,	PUNCT
fsr-3449	349	3	s.	s.	PROPN
fsr-3449	349	4	m.	m.	PROPN
fsr-3449	349	5	,	,	PUNCT
fsr-3449	349	6	&	&	CCONJ
fsr-3449	349	7	rettig	rettig	PROPN
fsr-3449	349	8	,	,	PUNCT
fsr-3449	349	9	k.	k.	PROPN
fsr-3449	349	10	d.	d.	PROPN
fsr-3449	349	11	(	(	PUNCT
fsr-3449	349	12	1993	1993	NUM
fsr-3449	349	13	)	)	PUNCT
fsr-3449	349	14	.	.	PUNCT
fsr-3449	350	1	the	the	DET
fsr-3449	350	2	role	role	NOUN
fsr-3449	350	3	of	of	ADP
fsr-3449	350	4	perception	perception	NOUN
fsr-3449	350	5	in	in	ADP
fsr-3449	350	6	the	the	DET
fsr-3449	350	7	intention	intention	NOUN
fsr-3449	350	8	to	to	PART
fsr-3449	350	9	change	change	VERB
fsr-3449	350	10	the	the	DET
fsr-3449	350	11	family	family	NOUN
fsr-3449	350	12	financial	financial	ADJ
fsr-3449	350	13	situation	situation	NOUN
fsr-3449	350	14	.	.	PUNCT
fsr-3449	351	1	journal	journal	PROPN
fsr-3449	351	2	of	of	ADP
fsr-3449	351	3	family	family	NOUN
fsr-3449	351	4	and	and	CCONJ
fsr-3449	351	5	economic	economic	ADJ
fsr-3449	351	6	issues	issue	NOUN
fsr-3449	351	7	,	,	PUNCT
fsr-3449	351	8	14	14	NUM
fsr-3449	351	9	,	,	PUNCT
fsr-3449	351	10	365	365	NUM
fsr-3449	351	11	-	-	SYM
fsr-3449	351	12	389	389	NUM
fsr-3449	351	13	.	.	PUNCT
fsr-3449	352	1	diener	diener	PROPN
fsr-3449	352	2	,	,	PUNCT
fsr-3449	352	3	e.	e.	PROPN
fsr-3449	352	4	,	,	PUNCT
fsr-3449	352	5	&	&	CCONJ
fsr-3449	352	6	biswas	biswas	PROPN
fsr-3449	352	7	-	-	PUNCT
fsr-3449	352	8	diener	diener	PROPN
fsr-3449	352	9	,	,	PUNCT
fsr-3449	352	10	r.	r.	PROPN
fsr-3449	352	11	(	(	PUNCT
fsr-3449	352	12	2002	2002	NUM
fsr-3449	352	13	)	)	PUNCT
fsr-3449	352	14	.	.	PUNCT
fsr-3449	353	1	will	will	AUX
fsr-3449	353	2	money	money	NOUN
fsr-3449	353	3	increase	increase	VERB
fsr-3449	353	4	subjective	subjective	ADJ
fsr-3449	353	5	well	well	ADV
fsr-3449	353	6	-	-	PUNCT
fsr-3449	353	7	being	being	NOUN
fsr-3449	353	8	?	?	PUNCT
fsr-3449	354	1	a	a	DET
fsr-3449	354	2	literature	literature	NOUN
fsr-3449	354	3	review	review	NOUN
fsr-3449	354	4	and	and	CCONJ
fsr-3449	354	5	guide	guide	VERB
fsr-3449	354	6	to	to	ADP
fsr-3449	354	7	needed	need	VERB
fsr-3449	354	8	research	research	NOUN
fsr-3449	354	9	.	.	PUNCT
fsr-3449	355	1	social	social	ADJ
fsr-3449	355	2	indicators	indicator	NOUN
fsr-3449	355	3	research	research	VERB
fsr-3449	355	4	,	,	PUNCT
fsr-3449	355	5	57	57	NUM
fsr-3449	355	6	,	,	PUNCT
fsr-3449	355	7	119	119	NUM
fsr-3449	355	8	-	-	SYM
fsr-3449	355	9	169	169	NUM
fsr-3449	355	10	.	.	PUNCT
fsr-3449	356	1	diener	diener	PROPN
fsr-3449	356	2	,	,	PUNCT
fsr-3449	356	3	e.	e.	PROPN
fsr-3449	356	4	,	,	PUNCT
fsr-3449	356	5	&	&	CCONJ
fsr-3449	356	6	diener	diener	PROPN
fsr-3449	356	7	,	,	PUNCT
fsr-3449	356	8	m.	m.	NOUN
fsr-3449	356	9	(	(	PUNCT
fsr-3449	356	10	2009	2009	NUM
fsr-3449	356	11	)	)	PUNCT
fsr-3449	356	12	.	.	PUNCT
fsr-3449	357	1	cross	cross	ADJ
fsr-3449	357	2	-	-	ADJ
fsr-3449	357	3	cultural	cultural	ADJ
fsr-3449	357	4	correlates	correlate	NOUN
fsr-3449	357	5	of	of	ADP
fsr-3449	357	6	life	life	NOUN
fsr-3449	357	7	satisfaction	satisfaction	NOUN
fsr-3449	357	8	and	and	CCONJ
fsr-3449	357	9	self	self	NOUN
fsr-3449	357	10	-	-	PUNCT
fsr-3449	357	11	esteem	esteem	NOUN
fsr-3449	357	12	.	.	PUNCT
fsr-3449	358	1	in	in	ADP
fsr-3449	358	2	e.	e.	PROPN
fsr-3449	358	3	diener	diener	PROPN
fsr-3449	358	4	(	(	PUNCT
fsr-3449	358	5	ed	ed	NOUN
fsr-3449	358	6	.	.	PUNCT
fsr-3449	358	7	)	)	PUNCT
fsr-3449	358	8	,	,	PUNCT
fsr-3449	358	9	culture	culture	NOUN
fsr-3449	358	10	and	and	CCONJ
fsr-3449	358	11	well	well	ADV
fsr-3449	358	12	-	-	PUNCT
fsr-3449	358	13	being	be	AUX
fsr-3449	358	14	(	(	PUNCT
fsr-3449	358	15	pp	pp	ADJ
fsr-3449	358	16	.	.	PUNCT
fsr-3449	359	1	71	71	NUM
fsr-3449	359	2	-	-	SYM
fsr-3449	359	3	91	91	NUM
fsr-3449	359	4	)	)	PUNCT
fsr-3449	359	5	.	.	PUNCT
fsr-3449	360	1	dordrecht	dordrecht	PROPN
fsr-3449	360	2	,	,	PUNCT
fsr-3449	360	3	netherland	netherland	PROPN
fsr-3449	360	4	:	:	PUNCT
fsr-3449	360	5	springer	springer	NOUN
fsr-3449	360	6	.	.	PUNCT
fsr-3449	361	1	diener	diener	PROPN
fsr-3449	361	2	,	,	PUNCT
fsr-3449	361	3	e.	e.	PROPN
fsr-3449	361	4	,	,	PUNCT
fsr-3449	361	5	emmons	emmons	PROPN
fsr-3449	361	6	,	,	PUNCT
fsr-3449	361	7	r.	r.	PROPN
fsr-3449	361	8	a.	a.	PROPN
fsr-3449	361	9	,	,	PUNCT
fsr-3449	361	10	larsen	larsen	PROPN
fsr-3449	361	11	,	,	PUNCT
fsr-3449	361	12	r.	r.	PROPN
fsr-3449	361	13	j.	j.	PROPN
fsr-3449	361	14	,	,	PUNCT
fsr-3449	361	15	&	&	CCONJ
fsr-3449	361	16	griffin	griffin	PROPN
fsr-3449	361	17	,	,	PUNCT
fsr-3449	361	18	s.	s.	PROPN
fsr-3449	361	19	(	(	PUNCT
fsr-3449	361	20	1985	1985	NUM
fsr-3449	361	21	)	)	PUNCT
fsr-3449	361	22	.	.	PUNCT
fsr-3449	362	1	the	the	DET
fsr-3449	362	2	satisfaction	satisfaction	NOUN
fsr-3449	362	3	with	with	ADP
fsr-3449	362	4	life	life	NOUN
fsr-3449	362	5	scale	scale	NOUN
fsr-3449	362	6	.	.	PUNCT
fsr-3449	363	1	journal	journal	NOUN
fsr-3449	363	2	of	of	ADP
fsr-3449	363	3	personality	personality	NOUN
fsr-3449	363	4	assessment	assessment	NOUN
fsr-3449	363	5	,	,	PUNCT
fsr-3449	363	6	49	49	NUM
fsr-3449	363	7	,	,	PUNCT
fsr-3449	363	8	71	71	NUM
fsr-3449	363	9	-	-	SYM
fsr-3449	363	10	75	75	NUM
fsr-3449	363	11	.	.	PUNCT
fsr-3449	364	1	farrell	farrell	PROPN
fsr-3449	364	2	,	,	PUNCT
fsr-3449	364	3	l.	l.	PROPN
fsr-3449	364	4	,	,	PUNCT
fsr-3449	364	5	fry	fry	PROPN
fsr-3449	364	6	,	,	PUNCT
fsr-3449	364	7	t.	t.	PROPN
fsr-3449	364	8	r.	r.	PROPN
fsr-3449	364	9	,	,	PUNCT
fsr-3449	364	10	&	&	CCONJ
fsr-3449	364	11	risse	risse	PROPN
fsr-3449	364	12	,	,	PUNCT
fsr-3449	364	13	l.	l.	PROPN
fsr-3449	364	14	(	(	PUNCT
fsr-3449	364	15	2016	2016	NUM
fsr-3449	364	16	)	)	PUNCT
fsr-3449	364	17	.	.	PUNCT
fsr-3449	365	1	the	the	DET
fsr-3449	365	2	significance	significance	NOUN
fsr-3449	365	3	of	of	ADP
fsr-3449	365	4	financial	financial	ADJ
fsr-3449	365	5	self	self	NOUN
fsr-3449	365	6	-	-	PUNCT
fsr-3449	365	7	efficacy	efficacy	NOUN
fsr-3449	365	8	in	in	ADP
fsr-3449	365	9	explaining	explain	VERB
fsr-3449	365	10	women	woman	NOUN
fsr-3449	365	11	’s	’s	PART
fsr-3449	365	12	personal	personal	ADJ
fsr-3449	365	13	finance	finance	NOUN
fsr-3449	365	14	behaviour	behaviour	NOUN
fsr-3449	365	15	.	.	PUNCT
fsr-3449	366	1	journal	journal	PROPN
fsr-3449	366	2	of	of	ADP
fsr-3449	366	3	economic	economic	ADJ
fsr-3449	366	4	psychology	psychology	NOUN
fsr-3449	366	5	,	,	PUNCT
fsr-3449	366	6	54	54	NUM
fsr-3449	366	7	,	,	PUNCT
fsr-3449	366	8	85	85	NUM
fsr-3449	366	9	-	-	SYM
fsr-3449	366	10	99	99	NUM
fsr-3449	366	11	.	.	PUNCT
fsr-3449	367	1	finke	finke	PROPN
fsr-3449	367	2	,	,	PUNCT
fsr-3449	367	3	m.	m.	NOUN
fsr-3449	367	4	s.	s.	PROPN
fsr-3449	367	5	,	,	PUNCT
fsr-3449	367	6	&	&	CCONJ
fsr-3449	367	7	huston	huston	PROPN
fsr-3449	367	8	,	,	PUNCT
fsr-3449	367	9	s.	s.	PROPN
fsr-3449	367	10	j.	j.	PROPN
fsr-3449	367	11	(	(	PUNCT
fsr-3449	367	12	2003	2003	NUM
fsr-3449	367	13	)	)	PUNCT
fsr-3449	367	14	.	.	PUNCT
fsr-3449	368	1	the	the	DET
fsr-3449	368	2	brighter	bright	ADJ
fsr-3449	368	3	side	side	NOUN
fsr-3449	368	4	of	of	ADP
fsr-3449	368	5	financial	financial	ADJ
fsr-3449	368	6	risk	risk	NOUN
fsr-3449	368	7	:	:	PUNCT
fsr-3449	368	8	financial	financial	ADJ
fsr-3449	368	9	risk	risk	NOUN
fsr-3449	368	10	tolerance	tolerance	NOUN
fsr-3449	368	11	and	and	CCONJ
fsr-3449	368	12	wealth	wealth	NOUN
fsr-3449	368	13	.	.	PUNCT
fsr-3449	369	1	journal	journal	PROPN
fsr-3449	369	2	of	of	ADP
fsr-3449	369	3	family	family	NOUN
fsr-3449	369	4	and	and	CCONJ
fsr-3449	369	5	economic	economic	ADJ
fsr-3449	369	6	issues	issue	NOUN
fsr-3449	369	7	,	,	PUNCT
fsr-3449	369	8	24	24	NUM
fsr-3449	369	9	,	,	PUNCT
fsr-3449	369	10	233	233	NUM
fsr-3449	369	11	-	-	SYM
fsr-3449	369	12	256	256	NUM
fsr-3449	369	13	.	.	PUNCT
fsr-3449	370	1	w.	w.	PROPN
fsr-3449	370	2	heo	heo	PROPN
fsr-3449	370	3	et	et	PROPN
fsr-3449	370	4	al	al	PROPN
fsr-3449	370	5	.	.	PUNCT
fsr-3449	370	6	/	/	SYM
fsr-3449	370	7	financial	financial	ADJ
fsr-3449	370	8	services	service	NOUN
fsr-3449	370	9	review	review	VERB
fsr-3449	370	10	29	29	NUM
fsr-3449	370	11	(	(	PUNCT
fsr-3449	370	12	2021	2021	NUM
fsr-3449	370	13	)	)	PUNCT
fsr-3449	370	14	101–119	101–119	NUM
fsr-3449	370	15	117	117	NUM
fsr-3449	370	16	garman	garman	NOUN
fsr-3449	370	17	,	,	PUNCT
fsr-3449	370	18	e.	e.	PROPN
fsr-3449	370	19	,	,	PUNCT
fsr-3449	370	20	&	&	CCONJ
fsr-3449	370	21	forgue	forgue	PROPN
fsr-3449	370	22	,	,	PUNCT
fsr-3449	370	23	r.	r.	PROPN
fsr-3449	370	24	(	(	PUNCT
fsr-3449	370	25	2018	2018	NUM
fsr-3449	370	26	)	)	PUNCT
fsr-3449	370	27	.	.	PUNCT
fsr-3449	371	1	personal	personal	ADJ
fsr-3449	371	2	finance	finance	NOUN
fsr-3449	371	3	(	(	PUNCT
fsr-3449	371	4	13th	13th	NOUN
fsr-3449	371	5	ed	ed	NOUN
fsr-3449	371	6	.	.	PUNCT
fsr-3449	371	7	)	)	PUNCT
fsr-3449	371	8	.	.	PUNCT
fsr-3449	372	1	mason	mason	PROPN
fsr-3449	372	2	,	,	PUNCT
fsr-3449	372	3	oh	oh	INTJ
fsr-3449	372	4	:	:	PUNCT
fsr-3449	372	5	south	south	ADJ
fsr-3449	372	6	-	-	PUNCT
fsr-3449	372	7	western	western	PROPN
fsr-3449	372	8	cengage	cengage	PROPN
fsr-3449	372	9	learning	learning	PROPN
fsr-3449	372	10	.	.	PUNCT
fsr-3449	373	1	gitman	gitman	PROPN
fsr-3449	373	2	,	,	PUNCT
fsr-3449	373	3	l.	l.	PROPN
fsr-3449	373	4	j.	j.	PROPN
fsr-3449	373	5	,	,	PUNCT
fsr-3449	373	6	joehnk	joehnk	PROPN
fsr-3449	373	7	,	,	PUNCT
fsr-3449	373	8	m.	m.	NOUN
fsr-3449	373	9	d.	d.	PROPN
fsr-3449	373	10	,	,	PUNCT
fsr-3449	373	11	&	&	CCONJ
fsr-3449	373	12	billingsley	billingsley	PROPN
fsr-3449	373	13	,	,	PUNCT
fsr-3449	373	14	r.	r.	PROPN
fsr-3449	373	15	s.	s.	PROPN
fsr-3449	373	16	(	(	PUNCT
fsr-3449	373	17	2014	2014	NUM
fsr-3449	373	18	)	)	PUNCT
fsr-3449	373	19	.	.	PUNCT
fsr-3449	374	1	personal	personal	ADJ
fsr-3449	374	2	financial	financial	ADJ
fsr-3449	374	3	planning	planning	NOUN
fsr-3449	374	4	(	(	PUNCT
fsr-3449	374	5	13th	13th	NOUN
fsr-3449	374	6	ed	ed	NOUN
fsr-3449	374	7	.	.	PUNCT
fsr-3449	374	8	)	)	PUNCT
fsr-3449	374	9	.	.	PUNCT
fsr-3449	375	1	mason	mason	PROPN
fsr-3449	375	2	,	,	PUNCT
fsr-3449	375	3	oh	oh	INTJ
fsr-3449	375	4	:	:	PUNCT
fsr-3449	375	5	cengage	cengage	PROPN
fsr-3449	375	6	.	.	PUNCT
fsr-3449	376	1	goldsmith	goldsmith	PROPN
fsr-3449	376	2	,	,	PUNCT
fsr-3449	376	3	a.	a.	NOUN
fsr-3449	376	4	(	(	PUNCT
fsr-3449	376	5	1983	1983	NUM
fsr-3449	376	6	)	)	PUNCT
fsr-3449	376	7	.	.	PUNCT
fsr-3449	377	1	household	household	NOUN
fsr-3449	377	2	life	life	NOUN
fsr-3449	377	3	cycle	cycle	NOUN
fsr-3449	377	4	protection	protection	NOUN
fsr-3449	377	5	:	:	PUNCT
fsr-3449	377	6	human	human	ADJ
fsr-3449	377	7	capital	capital	NOUN
fsr-3449	377	8	versus	versus	ADP
fsr-3449	377	9	life	life	NOUN
fsr-3449	377	10	insurance	insurance	NOUN
fsr-3449	377	11	.	.	PUNCT
fsr-3449	378	1	the	the	DET
fsr-3449	378	2	journal	journal	NOUN
fsr-3449	378	3	of	of	ADP
fsr-3449	378	4	risk	risk	NOUN
fsr-3449	378	5	and	and	CCONJ
fsr-3449	378	6	insurance	insurance	NOUN
fsr-3449	378	7	,	,	PUNCT
fsr-3449	378	8	50	50	NUM
fsr-3449	378	9	,	,	PUNCT
fsr-3449	378	10	473	473	NUM
fsr-3449	378	11	-	-	SYM
fsr-3449	378	12	486	486	NUM
fsr-3449	378	13	.	.	PUNCT
fsr-3449	379	1	grable	grable	PROPN
fsr-3449	379	2	,	,	PUNCT
fsr-3449	379	3	j.	j.	PROPN
fsr-3449	379	4	e.	e.	PROPN
fsr-3449	379	5	(	(	PUNCT
fsr-3449	379	6	2016	2016	NUM
fsr-3449	379	7	)	)	PUNCT
fsr-3449	379	8	.	.	PUNCT
fsr-3449	380	1	the	the	DET
fsr-3449	380	2	case	case	NOUN
fsr-3449	380	3	approach	approach	NOUN
fsr-3449	380	4	to	to	ADP
fsr-3449	380	5	financial	financial	ADJ
fsr-3449	380	6	planning	planning	NOUN
fsr-3449	380	7	bridging	bridge	VERB
fsr-3449	380	8	the	the	DET
fsr-3449	380	9	gap	gap	NOUN
fsr-3449	380	10	between	between	ADP
fsr-3449	380	11	theory	theory	NOUN
fsr-3449	380	12	and	and	CCONJ
fsr-3449	380	13	practice	practice	NOUN
fsr-3449	380	14	(	(	PUNCT
fsr-3449	380	15	3rd	3rd	ADJ
fsr-3449	380	16	ed	ed	NOUN
fsr-3449	380	17	.	.	PUNCT
fsr-3449	380	18	)	)	PUNCT
fsr-3449	380	19	.	.	PUNCT
fsr-3449	381	1	erlanger	erlanger	PROPN
fsr-3449	381	2	,	,	PUNCT
fsr-3449	381	3	ky	ky	PROPN
fsr-3449	381	4	:	:	PUNCT
fsr-3449	381	5	the	the	DET
fsr-3449	381	6	national	national	ADJ
fsr-3449	381	7	underwriter	underwriter	NOUN
fsr-3449	381	8	company	company	NOUN
fsr-3449	381	9	.	.	PUNCT
fsr-3449	382	1	grable	grable	PROPN
fsr-3449	382	2	,	,	PUNCT
fsr-3449	382	3	j.	j.	PROPN
fsr-3449	382	4	e.	e.	PROPN
fsr-3449	382	5	,	,	PUNCT
fsr-3449	382	6	&	&	CCONJ
fsr-3449	382	7	goetz	goetz	PROPN
fsr-3449	382	8	,	,	PUNCT
fsr-3449	382	9	j.	j.	PROPN
fsr-3449	382	10	w.	w.	PROPN
fsr-3449	382	11	(	(	PUNCT
fsr-3449	382	12	2017	2017	NUM
fsr-3449	382	13	)	)	PUNCT
fsr-3449	382	14	.	.	PUNCT
fsr-3449	383	1	communication	communication	NOUN
fsr-3449	383	2	essential	essential	ADJ
fsr-3449	383	3	for	for	ADP
fsr-3449	383	4	financial	financial	ADJ
fsr-3449	383	5	planners	planner	NOUN
fsr-3449	383	6	:	:	PUNCT
fsr-3449	383	7	strategies	strategy	NOUN
fsr-3449	383	8	and	and	CCONJ
fsr-3449	383	9	techniques	technique	NOUN
fsr-3449	383	10	.	.	PUNCT
fsr-3449	384	1	hoboken	hoboken	PROPN
fsr-3449	384	2	,	,	PUNCT
fsr-3449	384	3	nj	nj	PROPN
fsr-3449	384	4	:	:	PUNCT
fsr-3449	384	5	wiley	wiley	PROPN
fsr-3449	384	6	.	.	PUNCT
fsr-3449	385	1	grable	grable	PROPN
fsr-3449	385	2	,	,	PUNCT
fsr-3449	385	3	j.	j.	PROPN
fsr-3449	385	4	e.	e.	PROPN
fsr-3449	385	5	,	,	PUNCT
fsr-3449	385	6	lyons	lyons	PROPN
fsr-3449	385	7	,	,	PUNCT
fsr-3449	385	8	a.	a.	PROPN
fsr-3449	385	9	c.	c.	PROPN
fsr-3449	385	10	,	,	PUNCT
fsr-3449	385	11	&	&	CCONJ
fsr-3449	385	12	heo	heo	PROPN
fsr-3449	385	13	,	,	PUNCT
fsr-3449	385	14	w.	w.	PROPN
fsr-3449	385	15	(	(	PUNCT
fsr-3449	385	16	2019	2019	NUM
fsr-3449	385	17	)	)	PUNCT
fsr-3449	385	18	.	.	PUNCT
fsr-3449	386	1	a	a	DET
fsr-3449	386	2	test	test	NOUN
fsr-3449	386	3	of	of	ADP
fsr-3449	386	4	traditional	traditional	ADJ
fsr-3449	386	5	and	and	CCONJ
fsr-3449	386	6	psychometric	psychometric	ADJ
fsr-3449	386	7	relative	relative	ADJ
fsr-3449	386	8	risk	risk	NOUN
fsr-3449	386	9	tolerance	tolerance	NOUN
fsr-3449	386	10	measures	measure	NOUN
fsr-3449	386	11	on	on	ADP
fsr-3449	386	12	household	household	NOUN
fsr-3449	386	13	financial	financial	ADJ
fsr-3449	386	14	risk	risk	NOUN
fsr-3449	386	15	taking	taking	NOUN
fsr-3449	386	16	.	.	PUNCT
fsr-3449	387	1	finance	finance	NOUN
fsr-3449	387	2	research	research	NOUN
fsr-3449	387	3	letters	letter	NOUN
fsr-3449	387	4	,	,	PUNCT
fsr-3449	387	5	30	30	NUM
fsr-3449	387	6	,	,	PUNCT
fsr-3449	387	7	8	8	NUM
fsr-3449	387	8	-	-	SYM
fsr-3449	387	9	13	13	NUM
fsr-3449	387	10	.	.	PUNCT
fsr-3449	388	1	grable	grable	PROPN
fsr-3449	388	2	,	,	PUNCT
fsr-3449	388	3	j.	j.	PROPN
fsr-3449	388	4	e.	e.	PROPN
fsr-3449	388	5	,	,	PUNCT
fsr-3449	388	6	&	&	CCONJ
fsr-3449	388	7	lytton	lytton	PROPN
fsr-3449	388	8	,	,	PUNCT
fsr-3449	388	9	r.	r.	PROPN
fsr-3449	388	10	h.	h.	PROPN
fsr-3449	388	11	(	(	PUNCT
fsr-3449	388	12	1999	1999	NUM
fsr-3449	388	13	)	)	PUNCT
fsr-3449	388	14	.	.	PUNCT
fsr-3449	389	1	financial	financial	ADJ
fsr-3449	389	2	risk	risk	NOUN
fsr-3449	389	3	tolerance	tolerance	NOUN
fsr-3449	389	4	revisited	revisit	VERB
fsr-3449	389	5	:	:	PUNCT
fsr-3449	389	6	the	the	DET
fsr-3449	389	7	development	development	NOUN
fsr-3449	389	8	of	of	ADP
fsr-3449	389	9	a	a	DET
fsr-3449	389	10	risk	risk	NOUN
fsr-3449	389	11	assessment	assessment	NOUN
fsr-3449	389	12	instrument	instrument	NOUN
fsr-3449	389	13	.	.	PUNCT
fsr-3449	390	1	financial	financial	ADJ
fsr-3449	390	2	services	service	NOUN
fsr-3449	390	3	review	review	NOUN
fsr-3449	390	4	,	,	PUNCT
fsr-3449	390	5	8	8	NUM
fsr-3449	390	6	,	,	PUNCT
fsr-3449	390	7	163	163	NUM
fsr-3449	390	8	-	-	SYM
fsr-3449	390	9	181	181	NUM
fsr-3449	390	10	.	.	PUNCT
fsr-3449	391	1	heo	heo	PROPN
fsr-3449	391	2	,	,	PUNCT
fsr-3449	391	3	w.	w.	PROPN
fsr-3449	391	4	(	(	PUNCT
fsr-3449	391	5	2020	2020	NUM
fsr-3449	391	6	)	)	PUNCT
fsr-3449	391	7	.	.	PUNCT
fsr-3449	392	1	the	the	DET
fsr-3449	392	2	demand	demand	NOUN
fsr-3449	392	3	for	for	ADP
fsr-3449	392	4	life	life	NOUN
fsr-3449	392	5	insurance	insurance	NOUN
fsr-3449	392	6	:	:	PUNCT
fsr-3449	392	7	dynamic	dynamic	ADJ
fsr-3449	392	8	ecological	ecological	ADJ
fsr-3449	392	9	systemic	systemic	ADJ
fsr-3449	392	10	theory	theory	NOUN
fsr-3449	392	11	using	use	VERB
fsr-3449	392	12	machine	machine	NOUN
fsr-3449	392	13	learning	learning	NOUN
fsr-3449	392	14	techniques	technique	NOUN
fsr-3449	392	15	.	.	PUNCT
fsr-3449	393	1	switzerland	switzerland	NOUN
fsr-3449	393	2	:	:	PUNCT
fsr-3449	393	3	springer	springer	NOUN
fsr-3449	393	4	nature	nature	NOUN
fsr-3449	393	5	.	.	PUNCT
fsr-3449	394	1	heo	heo	PROPN
fsr-3449	394	2	,	,	PUNCT
fsr-3449	394	3	w.	w.	PROPN
fsr-3449	394	4	,	,	PUNCT
fsr-3449	394	5	&	&	CCONJ
fsr-3449	394	6	grable	grable	PROPN
fsr-3449	394	7	,	,	PUNCT
fsr-3449	394	8	j.	j.	PROPN
fsr-3449	394	9	e.	e.	PROPN
fsr-3449	394	10	(	(	PUNCT
fsr-3449	394	11	2017	2017	NUM
fsr-3449	394	12	)	)	PUNCT
fsr-3449	394	13	.	.	PUNCT
fsr-3449	395	1	demand	demand	NOUN
fsr-3449	395	2	for	for	ADP
fsr-3449	395	3	life	life	NOUN
fsr-3449	395	4	insurance	insurance	NOUN
fsr-3449	395	5	:	:	PUNCT
fsr-3449	395	6	a	a	DET
fsr-3449	395	7	consumer	consumer	NOUN
fsr-3449	395	8	perspective	perspective	NOUN
fsr-3449	395	9	.	.	PUNCT
fsr-3449	396	1	journal	journal	NOUN
fsr-3449	396	2	of	of	ADP
fsr-3449	396	3	financial	financial	ADJ
fsr-3449	396	4	service	service	NOUN
fsr-3449	396	5	professionals	professional	NOUN
fsr-3449	396	6	,	,	PUNCT
fsr-3449	396	7	71	71	NUM
fsr-3449	396	8	,	,	PUNCT
fsr-3449	396	9	19	19	NUM
fsr-3449	396	10	-	-	SYM
fsr-3449	396	11	23	23	NUM
fsr-3449	396	12	.	.	PUNCT
fsr-3449	397	1	heo	heo	PROPN
fsr-3449	397	2	,	,	PUNCT
fsr-3449	397	3	w.	w.	PROPN
fsr-3449	397	4	,	,	PUNCT
fsr-3449	397	5	grable	grable	PROPN
fsr-3449	397	6	,	,	PUNCT
fsr-3449	397	7	j.	j.	PROPN
fsr-3449	397	8	e.	e.	PROPN
fsr-3449	397	9	,	,	PUNCT
fsr-3449	397	10	&	&	CCONJ
fsr-3449	397	11	chatterjee	chatterjee	PROPN
fsr-3449	397	12	,	,	PUNCT
fsr-3449	397	13	s.	s.	PROPN
fsr-3449	397	14	(	(	PUNCT
fsr-3449	397	15	2013	2013	NUM
fsr-3449	397	16	)	)	PUNCT
fsr-3449	397	17	.	.	PUNCT
fsr-3449	398	1	life	life	NOUN
fsr-3449	398	2	insurance	insurance	NOUN
fsr-3449	398	3	consumption	consumption	NOUN
fsr-3449	398	4	as	as	ADP
fsr-3449	398	5	a	a	DET
fsr-3449	398	6	function	function	NOUN
fsr-3449	398	7	of	of	ADP
fsr-3449	398	8	wealth	wealth	NOUN
fsr-3449	398	9	change	change	NOUN
fsr-3449	398	10	.	.	PUNCT
fsr-3449	399	1	financial	financial	ADJ
fsr-3449	399	2	services	service	NOUN
fsr-3449	399	3	review	review	PROPN
fsr-3449	399	4	,	,	PUNCT
fsr-3449	399	5	22	22	NUM
fsr-3449	399	6	,	,	PUNCT
fsr-3449	399	7	389	389	NUM
fsr-3449	399	8	-	-	SYM
fsr-3449	399	9	404	404	NUM
fsr-3449	399	10	.	.	PUNCT
fsr-3449	400	1	heo	heo	PROPN
fsr-3449	400	2	,	,	PUNCT
fsr-3449	400	3	w.	w.	PROPN
fsr-3449	400	4	,	,	PUNCT
fsr-3449	400	5	lee	lee	PROPN
fsr-3449	400	6	,	,	PUNCT
fsr-3449	400	7	j.	j.	PROPN
fsr-3449	400	8	m.	m.	PROPN
fsr-3449	400	9	,	,	PUNCT
fsr-3449	400	10	&	&	CCONJ
fsr-3449	400	11	park	park	PROPN
fsr-3449	400	12	,	,	PUNCT
fsr-3449	400	13	n.	n.	PROPN
fsr-3449	400	14	(	(	PUNCT
fsr-3449	400	15	2020	2020	NUM
fsr-3449	400	16	)	)	PUNCT
fsr-3449	400	17	.	.	PUNCT
fsr-3449	401	1	financial	financial	ADJ
fsr-3449	401	2	-	-	PUNCT
fsr-3449	401	3	related	relate	VERB
fsr-3449	401	4	psychological	psychological	ADJ
fsr-3449	401	5	factors	factor	NOUN
fsr-3449	401	6	affect	affect	VERB
fsr-3449	401	7	life	life	NOUN
fsr-3449	401	8	satisfaction	satisfaction	NOUN
fsr-3449	401	9	of	of	ADP
fsr-3449	401	10	farmers	farmer	NOUN
fsr-3449	401	11	.	.	PUNCT
fsr-3449	402	1	journal	journal	PROPN
fsr-3449	402	2	of	of	ADP
fsr-3449	402	3	rural	rural	ADJ
fsr-3449	402	4	studies	study	NOUN
fsr-3449	402	5	,	,	PUNCT
fsr-3449	402	6	80	80	NUM
fsr-3449	402	7	,	,	PUNCT
fsr-3449	402	8	185	185	NUM
fsr-3449	402	9	-	-	SYM
fsr-3449	402	10	194	194	NUM
fsr-3449	402	11	.	.	PUNCT
fsr-3449	403	1	hira	hira	PROPN
fsr-3449	403	2	,	,	PUNCT
fsr-3449	403	3	t.	t.	PROPN
fsr-3449	403	4	k.	k.	PROPN
fsr-3449	403	5	,	,	PUNCT
fsr-3449	403	6	&	&	CCONJ
fsr-3449	403	7	mugenda	mugenda	ADJ
fsr-3449	403	8	,	,	PUNCT
fsr-3449	403	9	o.	o.	NOUN
fsr-3449	403	10	m.	m.	NOUN
fsr-3449	403	11	(	(	PUNCT
fsr-3449	403	12	1998	1998	NUM
fsr-3449	403	13	)	)	PUNCT
fsr-3449	403	14	.	.	PUNCT
fsr-3449	404	1	predictors	predictor	NOUN
fsr-3449	404	2	of	of	ADP
fsr-3449	404	3	financial	financial	ADJ
fsr-3449	404	4	satisfaction	satisfaction	NOUN
fsr-3449	404	5	:	:	PUNCT
fsr-3449	404	6	differences	difference	NOUN
fsr-3449	404	7	between	between	ADP
fsr-3449	404	8	retirees	retiree	NOUN
fsr-3449	404	9	and	and	CCONJ
fsr-3449	404	10	nonretirees	nonretiree	NOUN
fsr-3449	404	11	.	.	PUNCT
fsr-3449	405	1	journal	journal	NOUN
fsr-3449	405	2	of	of	ADP
fsr-3449	405	3	financial	financial	ADJ
fsr-3449	405	4	counseling	counseling	NOUN
fsr-3449	405	5	and	and	CCONJ
fsr-3449	405	6	planning	planning	NOUN
fsr-3449	405	7	,	,	PUNCT
fsr-3449	405	8	9	9	NUM
fsr-3449	405	9	,	,	PUNCT
fsr-3449	405	10	75	75	NUM
fsr-3449	405	11	-	-	SYM
fsr-3449	405	12	84	84	NUM
fsr-3449	405	13	.	.	PUNCT
fsr-3449	406	1	johnson	johnson	PROPN
fsr-3449	406	2	,	,	PUNCT
fsr-3449	406	3	w.	w.	PROPN
fsr-3449	406	4	,	,	PUNCT
fsr-3449	406	5	&	&	CCONJ
fsr-3449	406	6	krueger	krueger	PROPN
fsr-3449	406	7	,	,	PUNCT
fsr-3449	406	8	r.	r.	PROPN
fsr-3449	406	9	f.	f.	PROPN
fsr-3449	406	10	(	(	PUNCT
fsr-3449	406	11	2006	2006	NUM
fsr-3449	406	12	)	)	PUNCT
fsr-3449	406	13	.	.	PUNCT
fsr-3449	407	1	how	how	SCONJ
fsr-3449	407	2	money	money	NOUN
fsr-3449	407	3	buys	buy	VERB
fsr-3449	407	4	happiness	happiness	NOUN
fsr-3449	407	5	:	:	PUNCT
fsr-3449	407	6	genetic	genetic	ADJ
fsr-3449	407	7	and	and	CCONJ
fsr-3449	407	8	environmental	environmental	ADJ
fsr-3449	407	9	processes	process	NOUN
fsr-3449	407	10	linking	link	VERB
fsr-3449	407	11	finances	finance	NOUN
fsr-3449	407	12	and	and	CCONJ
fsr-3449	407	13	life	life	NOUN
fsr-3449	407	14	satisfaction	satisfaction	NOUN
fsr-3449	407	15	.	.	PUNCT
fsr-3449	408	1	journal	journal	NOUN
fsr-3449	408	2	of	of	ADP
fsr-3449	408	3	personality	personality	NOUN
fsr-3449	408	4	and	and	CCONJ
fsr-3449	408	5	social	social	ADJ
fsr-3449	408	6	psychology	psychology	NOUN
fsr-3449	408	7	,	,	PUNCT
fsr-3449	408	8	90	90	NUM
fsr-3449	408	9	,	,	PUNCT
fsr-3449	408	10	680	680	NUM
fsr-3449	408	11	-	-	SYM
fsr-3449	408	12	691	691	NUM
fsr-3449	408	13	.	.	PUNCT
fsr-3449	409	1	kait	kait	PROPN
fsr-3449	409	2	,	,	PUNCT
fsr-3449	409	3	r.	r.	PROPN
fsr-3449	409	4	e.	e.	PROPN
fsr-3449	409	5	(	(	PUNCT
fsr-3449	409	6	2012	2012	NUM
fsr-3449	409	7	)	)	PUNCT
fsr-3449	409	8	.	.	PUNCT
fsr-3449	410	1	one	one	NUM
fsr-3449	410	2	life	life	NOUN
fsr-3449	410	3	insurance	insurance	NOUN
fsr-3449	410	4	size	size	NOUN
fsr-3449	410	5	does	do	AUX
fsr-3449	410	6	n’t	not	PART
fsr-3449	410	7	fit	fit	VERB
fsr-3449	410	8	all	all	DET
fsr-3449	410	9	estate	estate	NOUN
fsr-3449	410	10	planning	planning	NOUN
fsr-3449	410	11	situations	situation	NOUN
fsr-3449	410	12	.	.	PUNCT
fsr-3449	411	1	journal	journal	NOUN
fsr-3449	411	2	of	of	ADP
fsr-3449	411	3	financial	financial	ADJ
fsr-3449	411	4	planning	planning	NOUN
fsr-3449	411	5	,	,	PUNCT
fsr-3449	411	6	26	26	NUM
fsr-3449	411	7	,	,	PUNCT
fsr-3449	411	8	38	38	NUM
fsr-3449	411	9	-	-	SYM
fsr-3449	411	10	39	39	NUM
fsr-3449	411	11	.	.	PUNCT
fsr-3449	412	1	li	li	PROPN
fsr-3449	412	2	,	,	PUNCT
fsr-3449	412	3	d.	d.	PROPN
fsr-3449	412	4	,	,	PUNCT
fsr-3449	412	5	moshirian	moshirian	PROPN
fsr-3449	412	6	,	,	PUNCT
fsr-3449	412	7	f.	f.	PROPN
fsr-3449	412	8	,	,	PUNCT
fsr-3449	412	9	nguyen	nguyen	NOUN
fsr-3449	412	10	,	,	PUNCT
fsr-3449	412	11	p.	p.	NOUN
fsr-3449	412	12	,	,	PUNCT
fsr-3449	412	13	&	&	CCONJ
fsr-3449	412	14	wee	wee	PROPN
fsr-3449	412	15	,	,	PUNCT
fsr-3449	412	16	t.	t.	PROPN
fsr-3449	412	17	(	(	PUNCT
fsr-3449	412	18	2007	2007	NUM
fsr-3449	412	19	)	)	PUNCT
fsr-3449	412	20	.	.	PUNCT
fsr-3449	413	1	the	the	DET
fsr-3449	413	2	demand	demand	NOUN
fsr-3449	413	3	for	for	ADP
fsr-3449	413	4	life	life	NOUN
fsr-3449	413	5	insurance	insurance	NOUN
fsr-3449	413	6	n	n	CCONJ
fsr-3449	413	7	oecd	oecd	PROPN
fsr-3449	413	8	countries	country	NOUN
fsr-3449	413	9	.	.	PUNCT
fsr-3449	414	1	journal	journal	NOUN
fsr-3449	414	2	of	of	ADP
fsr-3449	414	3	risk	risk	NOUN
fsr-3449	414	4	&	&	CCONJ
fsr-3449	414	5	insurance	insurance	NOUN
fsr-3449	414	6	,	,	PUNCT
fsr-3449	414	7	74	74	NUM
fsr-3449	414	8	,	,	PUNCT
fsr-3449	414	9	637	637	NUM
fsr-3449	414	10	-	-	SYM
fsr-3449	414	11	652	652	NUM
fsr-3449	414	12	.	.	PUNCT
fsr-3449	415	1	liebenberg	liebenberg	ADV
fsr-3449	415	2	,	,	PUNCT
fsr-3449	415	3	a.	a.	PROPN
fsr-3449	415	4	p.	p.	PROPN
fsr-3449	415	5	,	,	PUNCT
fsr-3449	415	6	carson	carson	PROPN
fsr-3449	415	7	,	,	PUNCT
fsr-3449	415	8	j.	j.	PROPN
fsr-3449	415	9	m.	m.	PROPN
fsr-3449	415	10	,	,	PUNCT
fsr-3449	415	11	&	&	CCONJ
fsr-3449	415	12	dumm	dumm	PROPN
fsr-3449	415	13	,	,	PUNCT
fsr-3449	415	14	r.	r.	PROPN
fsr-3449	415	15	e.	e.	PROPN
fsr-3449	415	16	(	(	PUNCT
fsr-3449	415	17	2012	2012	NUM
fsr-3449	415	18	)	)	PUNCT
fsr-3449	415	19	.	.	PUNCT
fsr-3449	416	1	a	a	DET
fsr-3449	416	2	dynamic	dynamic	ADJ
fsr-3449	416	3	analysis	analysis	NOUN
fsr-3449	416	4	of	of	ADP
fsr-3449	416	5	the	the	DET
fsr-3449	416	6	demand	demand	NOUN
fsr-3449	416	7	for	for	ADP
fsr-3449	416	8	life	life	NOUN
fsr-3449	416	9	insurance	insurance	NOUN
fsr-3449	416	10	.	.	PUNCT
fsr-3449	417	1	journal	journal	NOUN
fsr-3449	417	2	of	of	ADP
fsr-3449	417	3	risk	risk	NOUN
fsr-3449	417	4	and	and	CCONJ
fsr-3449	417	5	insurance	insurance	NOUN
fsr-3449	417	6	,	,	PUNCT
fsr-3449	417	7	79	79	NUM
fsr-3449	417	8	,	,	PUNCT
fsr-3449	417	9	619	619	NUM
fsr-3449	417	10	-	-	SYM
fsr-3449	417	11	644	644	NUM
fsr-3449	417	12	.	.	PUNCT
fsr-3449	418	1	lim	lim	PROPN
fsr-3449	418	2	,	,	PUNCT
fsr-3449	418	3	h.	h.	PROPN
fsr-3449	418	4	,	,	PUNCT
fsr-3449	418	5	heckman	heckman	PROPN
fsr-3449	418	6	,	,	PUNCT
fsr-3449	418	7	s.	s.	PROPN
fsr-3449	418	8	,	,	PUNCT
fsr-3449	418	9	montalto	montalto	PROPN
fsr-3449	418	10	,	,	PUNCT
fsr-3449	418	11	c.	c.	PROPN
fsr-3449	418	12	p.	p.	PROPN
fsr-3449	418	13	,	,	PUNCT
fsr-3449	418	14	&	&	CCONJ
fsr-3449	418	15	letkiewicz	letkiewicz	PROPN
fsr-3449	418	16	,	,	PUNCT
fsr-3449	418	17	j.	j.	PROPN
fsr-3449	418	18	(	(	PUNCT
fsr-3449	418	19	2014	2014	NUM
fsr-3449	418	20	)	)	PUNCT
fsr-3449	418	21	.	.	PUNCT
fsr-3449	419	1	financial	financial	ADJ
fsr-3449	419	2	stress	stress	NOUN
fsr-3449	419	3	,	,	PUNCT
fsr-3449	419	4	self	self	NOUN
fsr-3449	419	5	-	-	PUNCT
fsr-3449	419	6	efficacy	efficacy	NOUN
fsr-3449	419	7	,	,	PUNCT
fsr-3449	419	8	and	and	CCONJ
fsr-3449	419	9	financial	financial	ADJ
fsr-3449	419	10	help	help	NOUN
fsr-3449	419	11	-	-	PUNCT
fsr-3449	419	12	seeking	seek	VERB
fsr-3449	419	13	behavior	behavior	NOUN
fsr-3449	419	14	of	of	ADP
fsr-3449	419	15	college	college	NOUN
fsr-3449	419	16	students	student	NOUN
fsr-3449	419	17	.	.	PUNCT
fsr-3449	420	1	journal	journal	NOUN
fsr-3449	420	2	of	of	ADP
fsr-3449	420	3	financial	financial	ADJ
fsr-3449	420	4	counseling	counseling	NOUN
fsr-3449	420	5	and	and	CCONJ
fsr-3449	420	6	planning	planning	NOUN
fsr-3449	420	7	,	,	PUNCT
fsr-3449	420	8	25	25	NUM
fsr-3449	420	9	,	,	PUNCT
fsr-3449	420	10	148	148	NUM
fsr-3449	420	11	-	-	SYM
fsr-3449	420	12	160	160	NUM
fsr-3449	420	13	.	.	PUNCT
fsr-3449	421	1	loibl	loibl	PROPN
fsr-3449	421	2	,	,	PUNCT
fsr-3449	421	3	c.	c.	PROPN
fsr-3449	421	4	,	,	PUNCT
fsr-3449	421	5	&	&	CCONJ
fsr-3449	421	6	hira	hira	PROPN
fsr-3449	421	7	,	,	PUNCT
fsr-3449	421	8	t.	t.	PROPN
fsr-3449	421	9	k.	k.	PROPN
fsr-3449	421	10	(	(	PUNCT
fsr-3449	421	11	2005	2005	NUM
fsr-3449	421	12	)	)	PUNCT
fsr-3449	421	13	.	.	PUNCT
fsr-3449	422	1	self	self	NOUN
fsr-3449	422	2	-	-	PUNCT
fsr-3449	422	3	directed	direct	VERB
fsr-3449	422	4	financial	financial	ADJ
fsr-3449	422	5	learning	learning	NOUN
fsr-3449	422	6	and	and	CCONJ
fsr-3449	422	7	financial	financial	ADJ
fsr-3449	422	8	satisfaction	satisfaction	NOUN
fsr-3449	422	9	.	.	PUNCT
fsr-3449	423	1	journal	journal	NOUN
fsr-3449	423	2	of	of	ADP
fsr-3449	423	3	financial	financial	ADJ
fsr-3449	423	4	counseling	counseling	NOUN
fsr-3449	423	5	and	and	CCONJ
fsr-3449	423	6	planning	planning	NOUN
fsr-3449	423	7	,	,	PUNCT
fsr-3449	423	8	16	16	NUM
fsr-3449	423	9	,	,	PUNCT
fsr-3449	423	10	11	11	NUM
fsr-3449	423	11	-	-	SYM
fsr-3449	423	12	22	22	NUM
fsr-3449	423	13	.	.	PUNCT
fsr-3449	424	1	lown	lown	PROPN
fsr-3449	424	2	,	,	PUNCT
fsr-3449	424	3	j.	j.	PROPN
fsr-3449	424	4	m.	m.	PROPN
fsr-3449	424	5	(	(	PUNCT
fsr-3449	424	6	2011	2011	NUM
fsr-3449	424	7	)	)	PUNCT
fsr-3449	424	8	.	.	PUNCT
fsr-3449	425	1	development	development	NOUN
fsr-3449	425	2	and	and	CCONJ
fsr-3449	425	3	validation	validation	NOUN
fsr-3449	425	4	of	of	ADP
fsr-3449	425	5	a	a	DET
fsr-3449	425	6	financial	financial	ADJ
fsr-3449	425	7	self	self	NOUN
fsr-3449	425	8	-	-	PUNCT
fsr-3449	425	9	efficacy	efficacy	NOUN
fsr-3449	425	10	scale	scale	NOUN
fsr-3449	425	11	.	.	PUNCT
fsr-3449	426	1	journal	journal	NOUN
fsr-3449	426	2	of	of	ADP
fsr-3449	426	3	financial	financial	ADJ
fsr-3449	426	4	counseling	counseling	NOUN
fsr-3449	426	5	and	and	CCONJ
fsr-3449	426	6	planning	planning	NOUN
fsr-3449	426	7	,	,	PUNCT
fsr-3449	426	8	22	22	NUM
fsr-3449	426	9	,	,	PUNCT
fsr-3449	426	10	54	54	NUM
fsr-3449	426	11	-	-	SYM
fsr-3449	426	12	63	63	NUM
fsr-3449	426	13	.	.	PUNCT
fsr-3449	426	14	montalto	montalto	PROPN
fsr-3449	426	15	,	,	PUNCT
fsr-3449	426	16	c.	c.	PROPN
fsr-3449	426	17	p.	p.	PROPN
fsr-3449	426	18	,	,	PUNCT
fsr-3449	426	19	phillips	phillips	PROPN
fsr-3449	426	20	,	,	PUNCT
fsr-3449	426	21	e.	e.	PROPN
fsr-3449	426	22	l.	l.	PROPN
fsr-3449	426	23	,	,	PUNCT
fsr-3449	426	24	mcdaniel	mcdaniel	PROPN
fsr-3449	426	25	,	,	PUNCT
fsr-3449	426	26	a.	a.	PROPN
fsr-3449	426	27	,	,	PUNCT
fsr-3449	426	28	&	&	CCONJ
fsr-3449	426	29	baker	baker	PROPN
fsr-3449	426	30	,	,	PUNCT
fsr-3449	426	31	a.	a.	PROPN
fsr-3449	426	32	r.	r.	PROPN
fsr-3449	426	33	(	(	PUNCT
fsr-3449	426	34	2019	2019	NUM
fsr-3449	426	35	)	)	PUNCT
fsr-3449	426	36	.	.	PUNCT
fsr-3449	427	1	college	college	NOUN
fsr-3449	427	2	student	student	NOUN
fsr-3449	427	3	financial	financial	PROPN
fsr-3449	427	4	wellness	wellness	NOUN
fsr-3449	427	5	:	:	PUNCT
fsr-3449	427	6	student	student	NOUN
fsr-3449	427	7	loans	loan	NOUN
fsr-3449	427	8	and	and	CCONJ
fsr-3449	427	9	beyond	beyond	ADP
fsr-3449	427	10	.	.	PUNCT
fsr-3449	428	1	journal	journal	NOUN
fsr-3449	428	2	of	of	ADP
fsr-3449	428	3	family	family	NOUN
fsr-3449	428	4	and	and	CCONJ
fsr-3449	428	5	economic	economic	ADJ
fsr-3449	428	6	issues	issue	NOUN
fsr-3449	428	7	,	,	PUNCT
fsr-3449	428	8	40	40	NUM
fsr-3449	428	9	,	,	PUNCT
fsr-3449	428	10	3	3	NUM
fsr-3449	428	11	-	-	SYM
fsr-3449	428	12	21	21	NUM
fsr-3449	428	13	.	.	PUNCT
fsr-3449	429	1	mulholland	mulholland	PROPN
fsr-3449	429	2	,	,	PUNCT
fsr-3449	429	3	b.	b.	PROPN
fsr-3449	429	4	,	,	PUNCT
fsr-3449	429	5	finke	finke	PROPN
fsr-3449	429	6	,	,	PUNCT
fsr-3449	429	7	m.	m.	NOUN
fsr-3449	429	8	,	,	PUNCT
fsr-3449	429	9	&	&	CCONJ
fsr-3449	429	10	huston	huston	PROPN
fsr-3449	429	11	,	,	PUNCT
fsr-3449	429	12	s.	s.	PROPN
fsr-3449	429	13	(	(	PUNCT
fsr-3449	429	14	2016	2016	NUM
fsr-3449	429	15	)	)	PUNCT
fsr-3449	429	16	.	.	PUNCT
fsr-3449	430	1	understanding	understand	VERB
fsr-3449	430	2	the	the	DET
fsr-3449	430	3	shift	shift	NOUN
fsr-3449	430	4	in	in	ADP
fsr-3449	430	5	demand	demand	NOUN
fsr-3449	430	6	for	for	ADP
fsr-3449	430	7	cash	cash	NOUN
fsr-3449	430	8	value	value	NOUN
fsr-3449	430	9	life	life	NOUN
fsr-3449	430	10	insurance	insurance	NOUN
fsr-3449	430	11	.	.	PUNCT
fsr-3449	431	1	risk	risk	NOUN
fsr-3449	431	2	management	management	NOUN
fsr-3449	431	3	and	and	CCONJ
fsr-3449	431	4	insurance	insurance	NOUN
fsr-3449	431	5	review	review	NOUN
fsr-3449	431	6	,	,	PUNCT
fsr-3449	431	7	19	19	NUM
fsr-3449	431	8	,	,	PUNCT
fsr-3449	431	9	7	7	NUM
fsr-3449	431	10	-	-	SYM
fsr-3449	431	11	36	36	NUM
fsr-3449	431	12	.	.	PUNCT
fsr-3449	432	1	nowicki	nowicki	PROPN
fsr-3449	432	2	,	,	PUNCT
fsr-3449	432	3	s.	s.	PROPN
fsr-3449	432	4	,	,	PUNCT
fsr-3449	432	5	ellis	ellis	PROPN
fsr-3449	432	6	,	,	PUNCT
fsr-3449	432	7	g.	g.	PROPN
fsr-3449	432	8	,	,	PUNCT
fsr-3449	432	9	iles	iles	PROPN
fsr-3449	432	10	-	-	PUNCT
fsr-3449	432	11	caven	caven	PROPN
fsr-3449	432	12	,	,	PUNCT
fsr-3449	432	13	y.	y.	PROPN
fsr-3449	432	14	,	,	PUNCT
fsr-3449	432	15	gregory	gregory	PROPN
fsr-3449	432	16	,	,	PUNCT
fsr-3449	432	17	s.	s.	PROPN
fsr-3449	432	18	,	,	PUNCT
fsr-3449	432	19	&	&	CCONJ
fsr-3449	432	20	golding	golding	PROPN
fsr-3449	432	21	,	,	PUNCT
fsr-3449	432	22	j.	j.	PROPN
fsr-3449	432	23	(	(	PUNCT
fsr-3449	432	24	2018	2018	NUM
fsr-3449	432	25	)	)	PUNCT
fsr-3449	432	26	.	.	PUNCT
fsr-3449	433	1	events	event	NOUN
fsr-3449	433	2	associated	associate	VERB
fsr-3449	433	3	with	with	ADP
fsr-3449	433	4	stability	stability	NOUN
fsr-3449	433	5	and	and	CCONJ
fsr-3449	433	6	change	change	NOUN
fsr-3449	433	7	in	in	ADP
fsr-3449	433	8	adult	adult	NOUN
fsr-3449	433	9	locus	locus	NOUN
fsr-3449	433	10	of	of	ADP
fsr-3449	433	11	control	control	NOUN
fsr-3449	433	12	orientation	orientation	NOUN
fsr-3449	433	13	over	over	ADP
fsr-3449	433	14	a	a	DET
fsr-3449	433	15	six	six	NUM
fsr-3449	433	16	-	-	PUNCT
fsr-3449	433	17	year	year	NOUN
fsr-3449	433	18	period	period	NOUN
fsr-3449	433	19	.	.	PUNCT
fsr-3449	434	1	personality	personality	NOUN
fsr-3449	434	2	and	and	CCONJ
fsr-3449	434	3	individual	individual	ADJ
fsr-3449	434	4	differences	difference	NOUN
fsr-3449	434	5	,	,	PUNCT
fsr-3449	434	6	126	126	NUM
fsr-3449	434	7	,	,	PUNCT
fsr-3449	434	8	85	85	NUM
fsr-3449	434	9	-	-	SYM
fsr-3449	434	10	92	92	NUM
fsr-3449	434	11	.	.	PUNCT
fsr-3449	434	12	outreville	outreville	NOUN
fsr-3449	434	13	,	,	PUNCT
fsr-3449	434	14	j.	j.	PROPN
fsr-3449	434	15	f.	f.	PROPN
fsr-3449	434	16	(	(	PUNCT
fsr-3449	434	17	2014	2014	NUM
fsr-3449	434	18	)	)	PUNCT
fsr-3449	434	19	.	.	PUNCT
fsr-3449	435	1	risk	risk	NOUN
fsr-3449	435	2	aversion	aversion	NOUN
fsr-3449	435	3	,	,	PUNCT
fsr-3449	435	4	risk	risk	NOUN
fsr-3449	435	5	behavior	behavior	NOUN
fsr-3449	435	6	,	,	PUNCT
fsr-3449	435	7	and	and	CCONJ
fsr-3449	435	8	demand	demand	NOUN
fsr-3449	435	9	for	for	ADP
fsr-3449	435	10	insurance	insurance	NOUN
fsr-3449	435	11	:	:	PUNCT
fsr-3449	435	12	a	a	DET
fsr-3449	435	13	survey	survey	NOUN
fsr-3449	435	14	.	.	PUNCT
fsr-3449	436	1	journal	journal	NOUN
fsr-3449	436	2	of	of	ADP
fsr-3449	436	3	insurance	insurance	NOUN
fsr-3449	436	4	issues	issue	NOUN
fsr-3449	436	5	,	,	PUNCT
fsr-3449	436	6	158	158	NUM
fsr-3449	436	7	-	-	SYM
fsr-3449	436	8	186	186	NUM
fsr-3449	436	9	.	.	PUNCT
fsr-3449	437	1	park	park	NOUN
fsr-3449	437	2	,	,	PUNCT
fsr-3449	437	3	n.	n.	PROPN
fsr-3449	437	4	,	,	PUNCT
fsr-3449	437	5	lee	lee	PROPN
fsr-3449	437	6	,	,	PUNCT
fsr-3449	437	7	j.	j.	PROPN
fsr-3449	437	8	m.	m.	PROPN
fsr-3449	437	9	,	,	PUNCT
fsr-3449	437	10	&	&	CCONJ
fsr-3449	437	11	heo	heo	PROPN
fsr-3449	437	12	,	,	PUNCT
fsr-3449	437	13	w.	w.	PROPN
fsr-3449	437	14	(	(	PUNCT
fsr-3449	437	15	2020	2020	NUM
fsr-3449	437	16	)	)	PUNCT
fsr-3449	437	17	.	.	PUNCT
fsr-3449	438	1	life	life	NOUN
fsr-3449	438	2	satisfaction	satisfaction	NOUN
fsr-3449	438	3	in	in	ADP
fsr-3449	438	4	time	time	NOUN
fsr-3449	438	5	orientation	orientation	NOUN
fsr-3449	438	6	.	.	PUNCT
fsr-3449	439	1	applied	apply	VERB
fsr-3449	439	2	research	research	NOUN
fsr-3449	439	3	in	in	ADP
fsr-3449	439	4	quality	quality	NOUN
fsr-3449	439	5	of	of	ADP
fsr-3449	439	6	life	life	NOUN
fsr-3449	439	7	,	,	PUNCT
fsr-3449	439	8	1	1	NUM
fsr-3449	439	9	-	-	SYM
fsr-3449	439	10	15	15	NUM
fsr-3449	439	11	.	.	PUNCT
fsr-3449	440	1	pavot	pavot	NOUN
fsr-3449	440	2	,	,	PUNCT
fsr-3449	440	3	w.	w.	PROPN
fsr-3449	440	4	,	,	PUNCT
fsr-3449	440	5	&	&	CCONJ
fsr-3449	440	6	diener	diener	PROPN
fsr-3449	440	7	,	,	PUNCT
fsr-3449	440	8	e.	e.	PROPN
fsr-3449	440	9	(	(	PUNCT
fsr-3449	440	10	2009	2009	NUM
fsr-3449	440	11	)	)	PUNCT
fsr-3449	440	12	.	.	PUNCT
fsr-3449	441	1	review	review	NOUN
fsr-3449	441	2	of	of	ADP
fsr-3449	441	3	the	the	DET
fsr-3449	441	4	satisfaction	satisfaction	NOUN
fsr-3449	441	5	with	with	ADP
fsr-3449	441	6	life	life	NOUN
fsr-3449	441	7	scale	scale	NOUN
fsr-3449	441	8	.	.	PUNCT
fsr-3449	442	1	in	in	ADP
fsr-3449	442	2	e.	e.	PROPN
fsr-3449	442	3	diener	diener	PROPN
fsr-3449	442	4	(	(	PUNCT
fsr-3449	442	5	ed	ed	NOUN
fsr-3449	442	6	.	.	PUNCT
fsr-3449	442	7	)	)	PUNCT
fsr-3449	442	8	,	,	PUNCT
fsr-3449	442	9	assessing	assess	VERB
fsr-3449	442	10	wellbeing	wellbee	VERB
fsr-3449	442	11	(	(	PUNCT
fsr-3449	442	12	pp	pp	ADJ
fsr-3449	442	13	.	.	PUNCT
fsr-3449	443	1	101	101	NUM
fsr-3449	443	2	-	-	SYM
fsr-3449	443	3	117	117	NUM
fsr-3449	443	4	)	)	PUNCT
fsr-3449	443	5	.	.	PUNCT
fsr-3449	444	1	dordrecht	dordrecht	PROPN
fsr-3449	444	2	,	,	PUNCT
fsr-3449	444	3	netherland	netherland	PROPN
fsr-3449	444	4	:	:	PUNCT
fsr-3449	444	5	springer	springer	NOUN
fsr-3449	444	6	.	.	PUNCT
fsr-3449	445	1	118	118	NUM
fsr-3449	445	2	w.	w.	PROPN
fsr-3449	445	3	heo	heo	PROPN
fsr-3449	445	4	et	et	PROPN
fsr-3449	445	5	al	al	PROPN
fsr-3449	445	6	.	.	PUNCT
fsr-3449	445	7	/	/	SYM
fsr-3449	445	8	financial	financial	ADJ
fsr-3449	445	9	services	service	NOUN
fsr-3449	445	10	review	review	VERB
fsr-3449	445	11	29	29	NUM
fsr-3449	445	12	(	(	PUNCT
fsr-3449	445	13	2021	2021	NUM
fsr-3449	445	14	)	)	PUNCT
fsr-3449	445	15	101–119	101–119	NUM
fsr-3449	445	16	perry	perry	NOUN
fsr-3449	445	17	,	,	PUNCT
fsr-3449	445	18	v.	v.	PROPN
fsr-3449	445	19	g.	g.	PROPN
fsr-3449	445	20	,	,	PUNCT
fsr-3449	445	21	&	&	CCONJ
fsr-3449	445	22	morris	morris	PROPN
fsr-3449	445	23	,	,	PUNCT
fsr-3449	445	24	m.	m.	PROPN
fsr-3449	445	25	d.	d.	PROPN
fsr-3449	445	26	(	(	PUNCT
fsr-3449	445	27	2005	2005	NUM
fsr-3449	445	28	)	)	PUNCT
fsr-3449	445	29	.	.	PUNCT
fsr-3449	446	1	who	who	PRON
fsr-3449	446	2	is	be	AUX
fsr-3449	446	3	in	in	ADP
fsr-3449	446	4	control	control	NOUN
fsr-3449	446	5	?	?	PUNCT
fsr-3449	447	1	the	the	DET
fsr-3449	447	2	role	role	NOUN
fsr-3449	447	3	of	of	ADP
fsr-3449	447	4	self	self	NOUN
fsr-3449	447	5	-	-	PUNCT
fsr-3449	447	6	perception	perception	NOUN
fsr-3449	447	7	,	,	PUNCT
fsr-3449	447	8	knowledge	knowledge	NOUN
fsr-3449	447	9	,	,	PUNCT
fsr-3449	447	10	and	and	CCONJ
fsr-3449	447	11	income	income	NOUN
fsr-3449	447	12	in	in	ADP
fsr-3449	447	13	explaining	explain	VERB
fsr-3449	447	14	consumer	consumer	NOUN
fsr-3449	447	15	financial	financial	ADJ
fsr-3449	447	16	behavior	behavior	NOUN
fsr-3449	447	17	.	.	PUNCT
fsr-3449	448	1	journal	journal	PROPN
fsr-3449	448	2	of	of	ADP
fsr-3449	448	3	consumer	consumer	NOUN
fsr-3449	448	4	affairs	affair	NOUN
fsr-3449	448	5	,	,	PUNCT
fsr-3449	448	6	39	39	NUM
fsr-3449	448	7	,	,	PUNCT
fsr-3449	448	8	299	299	NUM
fsr-3449	448	9	-	-	SYM
fsr-3449	448	10	313	313	NUM
fsr-3449	448	11	.	.	PUNCT
fsr-3449	449	1	prawitz	prawitz	PROPN
fsr-3449	449	2	,	,	PUNCT
fsr-3449	449	3	a.	a.	PROPN
fsr-3449	449	4	d.	d.	PROPN
fsr-3449	449	5	,	,	PUNCT
fsr-3449	449	6	&	&	CCONJ
fsr-3449	449	7	cohart	cohart	PROPN
fsr-3449	449	8	,	,	PUNCT
fsr-3449	449	9	j.	j.	PROPN
fsr-3449	449	10	(	(	PUNCT
fsr-3449	449	11	2016	2016	NUM
fsr-3449	449	12	)	)	PUNCT
fsr-3449	449	13	.	.	PUNCT
fsr-3449	450	1	financial	financial	ADJ
fsr-3449	450	2	management	management	NOUN
fsr-3449	450	3	competency	competency	NOUN
fsr-3449	450	4	,	,	PUNCT
fsr-3449	450	5	financial	financial	ADJ
fsr-3449	450	6	resources	resource	NOUN
fsr-3449	450	7	,	,	PUNCT
fsr-3449	450	8	locus	locus	NOUN
fsr-3449	450	9	of	of	ADP
fsr-3449	450	10	control	control	NOUN
fsr-3449	450	11	,	,	PUNCT
fsr-3449	450	12	and	and	CCONJ
fsr-3449	450	13	financial	financial	ADJ
fsr-3449	450	14	wellness	wellness	NOUN
fsr-3449	450	15	.	.	PUNCT
fsr-3449	451	1	journal	journal	PROPN
fsr-3449	451	2	of	of	ADP
fsr-3449	451	3	financial	financial	ADJ
fsr-3449	451	4	counseling	counseling	NOUN
fsr-3449	451	5	and	and	CCONJ
fsr-3449	451	6	planning	planning	NOUN
fsr-3449	451	7	,	,	PUNCT
fsr-3449	451	8	27	27	NUM
fsr-3449	451	9	,	,	PUNCT
fsr-3449	451	10	142	142	NUM
fsr-3449	451	11	-	-	SYM
fsr-3449	451	12	157	157	NUM
fsr-3449	451	13	.	.	PUNCT
fsr-3449	452	1	rejda	rejda	NOUN
fsr-3449	452	2	,	,	PUNCT
fsr-3449	452	3	g.	g.	PROPN
fsr-3449	452	4	e.	e.	PROPN
fsr-3449	452	5	,	,	PUNCT
fsr-3449	452	6	&	&	CCONJ
fsr-3449	452	7	mcnamara	mcnamara	PROPN
fsr-3449	452	8	,	,	PUNCT
fsr-3449	452	9	m.	m.	PROPN
fsr-3449	452	10	j.	j.	PROPN
fsr-3449	452	11	(	(	PUNCT
fsr-3449	452	12	2016	2016	NUM
fsr-3449	452	13	)	)	PUNCT
fsr-3449	452	14	.	.	PUNCT
fsr-3449	453	1	principles	principle	NOUN
fsr-3449	453	2	of	of	ADP
fsr-3449	453	3	risk	risk	NOUN
fsr-3449	453	4	management	management	NOUN
fsr-3449	453	5	and	and	CCONJ
fsr-3449	453	6	insurance	insurance	NOUN
fsr-3449	453	7	(	(	PUNCT
fsr-3449	453	8	13th	13th	NOUN
fsr-3449	453	9	ed	ed	NOUN
fsr-3449	453	10	.	.	PUNCT
fsr-3449	453	11	)	)	PUNCT
fsr-3449	453	12	.	.	PUNCT
fsr-3449	454	1	hoboken	hoboken	PROPN
fsr-3449	454	2	,	,	PUNCT
fsr-3449	454	3	nj	nj	PROPN
fsr-3449	454	4	:	:	PUNCT
fsr-3449	454	5	peason	peason	PROPN
fsr-3449	454	6	.	.	PUNCT
fsr-3449	455	1	robb	robb	NOUN
fsr-3449	455	2	,	,	PUNCT
fsr-3449	455	3	c.	c.	PROPN
fsr-3449	455	4	a.	a.	PROPN
fsr-3449	455	5	(	(	PUNCT
fsr-3449	455	6	2017	2017	NUM
fsr-3449	455	7	)	)	PUNCT
fsr-3449	455	8	.	.	PUNCT
fsr-3449	456	1	college	college	NOUN
fsr-3449	456	2	student	student	NOUN
fsr-3449	456	3	financial	financial	ADJ
fsr-3449	456	4	stress	stress	NOUN
fsr-3449	456	5	:	:	PUNCT
fsr-3449	456	6	are	be	AUX
fsr-3449	456	7	the	the	DET
fsr-3449	456	8	kids	kid	NOUN
fsr-3449	456	9	alright	alright	NOUN
fsr-3449	456	10	?	?	PUNCT
fsr-3449	457	1	journal	journal	NOUN
fsr-3449	457	2	of	of	ADP
fsr-3449	457	3	family	family	NOUN
fsr-3449	457	4	and	and	CCONJ
fsr-3449	457	5	economic	economic	ADJ
fsr-3449	457	6	issues	issue	NOUN
fsr-3449	457	7	,	,	PUNCT
fsr-3449	457	8	38	38	NUM
fsr-3449	457	9	,	,	PUNCT
fsr-3449	457	10	514	514	NUM
fsr-3449	457	11	-	-	SYM
fsr-3449	457	12	527	527	NUM
fsr-3449	457	13	.	.	PUNCT
fsr-3449	458	1	robb	robb	NOUN
fsr-3449	458	2	,	,	PUNCT
fsr-3449	458	3	c.	c.	PROPN
fsr-3449	458	4	a.	a.	PROPN
fsr-3449	458	5	,	,	PUNCT
fsr-3449	458	6	&	&	CCONJ
fsr-3449	458	7	woodyard	woodyard	PROPN
fsr-3449	458	8	,	,	PUNCT
fsr-3449	458	9	a.	a.	NOUN
fsr-3449	458	10	(	(	PUNCT
fsr-3449	458	11	2011	2011	NUM
fsr-3449	458	12	)	)	PUNCT
fsr-3449	458	13	.	.	PUNCT
fsr-3449	459	1	financial	financial	ADJ
fsr-3449	459	2	knowledge	knowledge	NOUN
fsr-3449	459	3	and	and	CCONJ
fsr-3449	459	4	best	good	ADJ
fsr-3449	459	5	practice	practice	NOUN
fsr-3449	459	6	behavior	behavior	NOUN
fsr-3449	459	7	.	.	PUNCT
fsr-3449	460	1	journal	journal	PROPN
fsr-3449	460	2	of	of	ADP
fsr-3449	460	3	financial	financial	ADJ
fsr-3449	460	4	counseling	counseling	NOUN
fsr-3449	460	5	and	and	CCONJ
fsr-3449	460	6	planning	planning	NOUN
fsr-3449	460	7	,	,	PUNCT
fsr-3449	460	8	22	22	NUM
fsr-3449	460	9	,	,	PUNCT
fsr-3449	460	10	60	60	NUM
fsr-3449	460	11	-	-	SYM
fsr-3449	460	12	70	70	NUM
fsr-3449	460	13	.	.	PUNCT
fsr-3449	461	1	rogers	rogers	PROPN
fsr-3449	461	2	,	,	PUNCT
fsr-3449	461	3	w.	w.	PROPN
fsr-3449	461	4	h.	h.	PROPN
fsr-3449	461	5	(	(	PUNCT
fsr-3449	461	6	1993	1993	NUM
fsr-3449	461	7	)	)	PUNCT
fsr-3449	461	8	.	.	PUNCT
fsr-3449	462	1	sg16.4	sg16.4	PROPN
fsr-3449	462	2	:	:	PUNCT
fsr-3449	462	3	comparison	comparison	NOUN
fsr-3449	462	4	of	of	ADP
fsr-3449	462	5	nbreg	nbreg	NOUN
fsr-3449	462	6	and	and	CCONJ
fsr-3449	462	7	glm	glm	PROPN
fsr-3449	462	8	for	for	ADP
fsr-3449	462	9	negative	negative	ADJ
fsr-3449	462	10	binomial	binomial	NOUN
fsr-3449	462	11	.	.	PUNCT
fsr-3449	463	1	stata	stata	VERB
fsr-3449	463	2	technical	technical	ADJ
fsr-3449	463	3	bulletin	bulletin	NOUN
fsr-3449	463	4	reprints	reprint	NOUN
fsr-3449	463	5	(	(	PUNCT
fsr-3449	463	6	vol	vol	NOUN
fsr-3449	463	7	.	.	NOUN
fsr-3449	464	1	3	3	NUM
fsr-3449	464	2	,	,	PUNCT
fsr-3449	464	3	pp	pp	ADJ
fsr-3449	464	4	.	.	PUNCT
fsr-3449	465	1	82	82	NUM
fsr-3449	465	2	-	-	SYM
fsr-3449	465	3	84	84	NUM
fsr-3449	465	4	)	)	PUNCT
fsr-3449	465	5	.	.	PUNCT
fsr-3449	466	1	college	college	NOUN
fsr-3449	466	2	station	station	NOUN
fsr-3449	466	3	,	,	PUNCT
fsr-3449	466	4	tx	tx	PROPN
fsr-3449	466	5	:	:	PUNCT
fsr-3449	466	6	stata	stata	PROPN
fsr-3449	466	7	press	press	NOUN
fsr-3449	466	8	.	.	PUNCT
fsr-3449	467	1	rotter	rotter	PROPN
fsr-3449	467	2	,	,	PUNCT
fsr-3449	467	3	j.	j.	PROPN
fsr-3449	467	4	b.	b.	PROPN
fsr-3449	467	5	(	(	PUNCT
fsr-3449	467	6	1966	1966	NUM
fsr-3449	467	7	)	)	PUNCT
fsr-3449	467	8	.	.	PUNCT
fsr-3449	468	1	generalized	generalized	ADJ
fsr-3449	468	2	expectancies	expectancy	NOUN
fsr-3449	468	3	for	for	ADP
fsr-3449	468	4	internal	internal	ADJ
fsr-3449	468	5	versus	versus	ADP
fsr-3449	468	6	external	external	ADJ
fsr-3449	468	7	control	control	NOUN
fsr-3449	468	8	of	of	ADP
fsr-3449	468	9	reinforcement	reinforcement	NOUN
fsr-3449	468	10	.	.	PUNCT
fsr-3449	469	1	psychological	psychological	ADJ
fsr-3449	469	2	monographs	monograph	NOUN
fsr-3449	469	3	:	:	PUNCT
fsr-3449	469	4	general	general	ADJ
fsr-3449	469	5	and	and	CCONJ
fsr-3449	469	6	applied	apply	VERB
fsr-3449	469	7	,	,	PUNCT
fsr-3449	469	8	80	80	NUM
fsr-3449	469	9	,	,	PUNCT
fsr-3449	469	10	1	1	NUM
fsr-3449	469	11	-	-	SYM
fsr-3449	469	12	28	28	NUM
fsr-3449	469	13	.	.	PUNCT
fsr-3449	470	1	song	song	PROPN
fsr-3449	470	2	,	,	PUNCT
fsr-3449	470	3	i.	i.	PROPN
fsr-3449	470	4	j.	j.	PROPN
fsr-3449	470	5	,	,	PUNCT
fsr-3449	470	6	park	park	PROPN
fsr-3449	470	7	,	,	PUNCT
fsr-3449	470	8	h.	h.	PROPN
fsr-3449	470	9	,	,	PUNCT
fsr-3449	470	10	park	park	NOUN
fsr-3449	470	11	,	,	PUNCT
fsr-3449	470	12	n.	n.	NOUN
fsr-3449	470	13	,	,	PUNCT
fsr-3449	470	14	&	&	CCONJ
fsr-3449	470	15	heo	heo	PROPN
fsr-3449	470	16	,	,	PUNCT
fsr-3449	470	17	w.	w.	PROPN
fsr-3449	470	18	(	(	PUNCT
fsr-3449	470	19	2019	2019	NUM
fsr-3449	470	20	)	)	PUNCT
fsr-3449	470	21	.	.	PUNCT
fsr-3449	471	1	the	the	DET
fsr-3449	471	2	effect	effect	NOUN
fsr-3449	471	3	of	of	ADP
fsr-3449	471	4	experiencing	experience	VERB
fsr-3449	471	5	a	a	DET
fsr-3449	471	6	death	death	NOUN
fsr-3449	471	7	on	on	ADP
fsr-3449	471	8	life	life	NOUN
fsr-3449	471	9	insurance	insurance	NOUN
fsr-3449	471	10	ownership	ownership	NOUN
fsr-3449	471	11	.	.	PUNCT
fsr-3449	472	1	journal	journal	NOUN
fsr-3449	472	2	of	of	ADP
fsr-3449	472	3	behavioral	behavioral	ADJ
fsr-3449	472	4	and	and	CCONJ
fsr-3449	472	5	experimental	experimental	ADJ
fsr-3449	472	6	finance	finance	NOUN
fsr-3449	472	7	,	,	PUNCT
fsr-3449	472	8	22	22	NUM
fsr-3449	472	9	,	,	PUNCT
fsr-3449	472	10	170	170	NUM
fsr-3449	472	11	-	-	SYM
fsr-3449	472	12	176	176	NUM
fsr-3449	472	13	.	.	PUNCT
fsr-3449	473	1	tannahill	tannahill	PROPN
fsr-3449	473	2	,	,	PUNCT
fsr-3449	473	3	b.	b.	PROPN
fsr-3449	473	4	a.	a.	PROPN
fsr-3449	473	5	(	(	PUNCT
fsr-3449	473	6	2012	2012	NUM
fsr-3449	473	7	)	)	PUNCT
fsr-3449	473	8	.	.	PUNCT
fsr-3449	474	1	life	life	NOUN
fsr-3449	474	2	insurance	insurance	NOUN
fsr-3449	474	3	’s	’s	PART
fsr-3449	474	4	role	role	NOUN
fsr-3449	474	5	in	in	ADP
fsr-3449	474	6	retirement	retirement	NOUN
fsr-3449	474	7	planning	planning	NOUN
fsr-3449	474	8	.	.	PUNCT
fsr-3449	475	1	journal	journal	PROPN
fsr-3449	475	2	of	of	ADP
fsr-3449	475	3	financial	financial	ADJ
fsr-3449	475	4	services	service	NOUN
fsr-3449	475	5	professionals	professional	NOUN
fsr-3449	475	6	,	,	PUNCT
fsr-3449	475	7	66	66	NUM
fsr-3449	475	8	,	,	PUNCT
fsr-3449	475	9	33	33	NUM
fsr-3449	475	10	-	-	SYM
fsr-3449	475	11	35	35	NUM
fsr-3449	475	12	.	.	PUNCT
fsr-3449	476	1	tennyson	tennyson	PROPN
fsr-3449	476	2	,	,	PUNCT
fsr-3449	476	3	s.	s.	PROPN
fsr-3449	476	4	(	(	PUNCT
fsr-3449	476	5	2011	2011	NUM
fsr-3449	476	6	)	)	PUNCT
fsr-3449	476	7	.	.	PUNCT
fsr-3449	477	1	consumers	consumer	NOUN
fsr-3449	477	2	’	’	PART
fsr-3449	477	3	insurance	insurance	NOUN
fsr-3449	477	4	literacy	literacy	NOUN
fsr-3449	477	5	:	:	PUNCT
fsr-3449	477	6	evidence	evidence	NOUN
fsr-3449	477	7	from	from	ADP
fsr-3449	477	8	survey	survey	NOUN
fsr-3449	477	9	data	datum	NOUN
fsr-3449	477	10	.	.	PUNCT
fsr-3449	478	1	financial	financial	ADJ
fsr-3449	478	2	services	services	PROPN
fsr-3449	478	3	review	review	PROPN
fsr-3449	478	4	,	,	PUNCT
fsr-3449	478	5	20	20	NUM
fsr-3449	478	6	,	,	PUNCT
fsr-3449	478	7	165	165	NUM
fsr-3449	478	8	-	-	SYM
fsr-3449	478	9	179	179	NUM
fsr-3449	478	10	.	.	PUNCT
fsr-3449	479	1	thoyts	thoyts	PROPN
fsr-3449	479	2	,	,	PUNCT
fsr-3449	479	3	r.	r.	PROPN
fsr-3449	479	4	(	(	PUNCT
fsr-3449	479	5	2010	2010	NUM
fsr-3449	479	6	)	)	PUNCT
fsr-3449	479	7	.	.	PUNCT
fsr-3449	480	1	insurance	insurance	NOUN
fsr-3449	480	2	theory	theory	NOUN
fsr-3449	480	3	and	and	CCONJ
fsr-3449	480	4	practice	practice	NOUN
fsr-3449	480	5	.	.	PUNCT
fsr-3449	481	1	new	new	PROPN
fsr-3449	481	2	york	york	PROPN
fsr-3449	481	3	,	,	PUNCT
fsr-3449	481	4	ny	ny	PROPN
fsr-3449	481	5	:	:	PUNCT
fsr-3449	481	6	routledge	routledge	PROPN
fsr-3449	481	7	.	.	PUNCT
fsr-3449	481	8	tokunaga	tokunaga	PROPN
fsr-3449	481	9	,	,	PUNCT
fsr-3449	481	10	h.	h.	PROPN
fsr-3449	481	11	(	(	PUNCT
fsr-3449	481	12	1993	1993	NUM
fsr-3449	481	13	)	)	PUNCT
fsr-3449	481	14	.	.	PUNCT
fsr-3449	482	1	the	the	DET
fsr-3449	482	2	use	use	NOUN
fsr-3449	482	3	and	and	CCONJ
fsr-3449	482	4	abuse	abuse	NOUN
fsr-3449	482	5	of	of	ADP
fsr-3449	482	6	consumer	consumer	NOUN
fsr-3449	482	7	credit	credit	NOUN
fsr-3449	482	8	:	:	PUNCT
fsr-3449	482	9	application	application	NOUN
fsr-3449	482	10	of	of	ADP
fsr-3449	482	11	psychological	psychological	ADJ
fsr-3449	482	12	theory	theory	NOUN
fsr-3449	482	13	and	and	CCONJ
fsr-3449	482	14	research	research	NOUN
fsr-3449	482	15	.	.	PUNCT
fsr-3449	483	1	journal	journal	NOUN
fsr-3449	483	2	of	of	ADP
fsr-3449	483	3	economic	economic	ADJ
fsr-3449	483	4	psychology	psychology	NOUN
fsr-3449	483	5	,	,	PUNCT
fsr-3449	483	6	14	14	NUM
fsr-3449	483	7	,	,	PUNCT
fsr-3449	483	8	285	285	NUM
fsr-3449	483	9	-	-	SYM
fsr-3449	483	10	316	316	NUM
fsr-3449	483	11	.	.	PUNCT
fsr-3449	483	12	weesie	weesie	PROPN
fsr-3449	483	13	,	,	PUNCT
fsr-3449	483	14	j.	j.	PROPN
fsr-3449	483	15	(	(	PUNCT
fsr-3449	483	16	1999	1999	NUM
fsr-3449	483	17	)	)	PUNCT
fsr-3449	483	18	.	.	PUNCT
fsr-3449	484	1	sg121	sg121	PROPN
fsr-3449	484	2	:	:	PUNCT
fsr-3449	484	3	seemingly	seemingly	ADV
fsr-3449	484	4	unrelated	unrelated	ADJ
fsr-3449	484	5	estimation	estimation	NOUN
fsr-3449	484	6	and	and	CCONJ
fsr-3449	484	7	the	the	DET
fsr-3449	484	8	cluster	cluster	NOUN
fsr-3449	484	9	-	-	PUNCT
fsr-3449	484	10	adjusted	adjust	VERB
fsr-3449	484	11	sandwich	sandwich	NOUN
fsr-3449	484	12	estimator	estimator	NOUN
fsr-3449	484	13	.	.	PUNCT
fsr-3449	485	1	stata	stata	PROPN
fsr-3449	485	2	technical	technical	ADJ
fsr-3449	485	3	bulletin	bulletin	NOUN
fsr-3449	485	4	reprints	reprint	NOUN
fsr-3449	485	5	(	(	PUNCT
fsr-3449	485	6	vol	vol	NOUN
fsr-3449	485	7	.	.	NOUN
fsr-3449	485	8	9	9	NUM
fsr-3449	485	9	,	,	PUNCT
fsr-3449	485	10	pp	pp	ADJ
fsr-3449	485	11	.	.	PUNCT
fsr-3449	486	1	231	231	NUM
fsr-3449	486	2	-	-	SYM
fsr-3449	486	3	248	248	NUM
fsr-3449	486	4	)	)	PUNCT
fsr-3449	486	5	.	.	PUNCT
fsr-3449	487	1	college	college	NOUN
fsr-3449	487	2	station	station	NOUN
fsr-3449	487	3	,	,	PUNCT
fsr-3449	487	4	tx	tx	PROPN
fsr-3449	487	5	:	:	PUNCT
fsr-3449	487	6	stata	stata	PROPN
fsr-3449	487	7	press	press	PROPN
fsr-3449	487	8	white	white	PROPN
fsr-3449	487	9	,	,	PUNCT
fsr-3449	487	10	h.	h.	PROPN
fsr-3449	487	11	l.	l.	PROPN
fsr-3449	487	12	(	(	PUNCT
fsr-3449	487	13	1982	1982	NUM
fsr-3449	487	14	)	)	PUNCT
fsr-3449	487	15	.	.	PUNCT
fsr-3449	488	1	maximum	maximum	ADJ
fsr-3449	488	2	likelihood	likelihood	NOUN
fsr-3449	488	3	estimation	estimation	NOUN
fsr-3449	488	4	of	of	ADP
fsr-3449	488	5	misspecified	misspecifie	VERB
fsr-3449	488	6	models	model	NOUN
fsr-3449	488	7	.	.	PUNCT
fsr-3449	489	1	econometrica	econometrica	PROPN
fsr-3449	489	2	,	,	PUNCT
fsr-3449	489	3	50	50	NUM
fsr-3449	489	4	,	,	PUNCT
fsr-3449	489	5	1	1	NUM
fsr-3449	489	6	-	-	SYM
fsr-3449	489	7	25	25	NUM
fsr-3449	489	8	.	.	PUNCT
fsr-3449	490	1	whitelaw	whitelaw	PROPN
fsr-3449	490	2	,	,	PUNCT
fsr-3449	490	3	e.	e.	PROPN
fsr-3449	490	4	r.	r.	PROPN
fsr-3449	490	5	(	(	PUNCT
fsr-3449	490	6	2014	2014	NUM
fsr-3449	490	7	)	)	PUNCT
fsr-3449	490	8	.	.	PUNCT
fsr-3449	491	1	how	how	SCONJ
fsr-3449	491	2	to	to	PART
fsr-3449	491	3	relieve	relieve	VERB
fsr-3449	491	4	the	the	DET
fsr-3449	491	5	plight	plight	NOUN
fsr-3449	491	6	of	of	ADP
fsr-3449	491	7	unskilled	unskilled	ADJ
fsr-3449	491	8	irrevocable	irrevocable	ADJ
fsr-3449	491	9	life	life	NOUN
fsr-3449	491	10	insurance	insurance	NOUN
fsr-3449	491	11	trust	trust	NOUN
fsr-3449	491	12	trustees	trustee	NOUN
fsr-3449	491	13	unfamiliar	unfamiliar	ADJ
fsr-3449	491	14	with	with	ADP
fsr-3449	491	15	their	their	PRON
fsr-3449	491	16	duties	duty	NOUN
fsr-3449	491	17	.	.	PUNCT
fsr-3449	492	1	journal	journal	NOUN
fsr-3449	492	2	of	of	ADP
fsr-3449	492	3	financial	financial	ADJ
fsr-3449	492	4	service	service	NOUN
fsr-3449	492	5	professionals	professional	NOUN
fsr-3449	492	6	,	,	PUNCT
fsr-3449	492	7	68	68	NUM
fsr-3449	492	8	,	,	PUNCT
fsr-3449	492	9	44	44	NUM
fsr-3449	492	10	-	-	SYM
fsr-3449	492	11	49	49	NUM
fsr-3449	492	12	.	.	PUNCT
fsr-3449	493	1	xiao	xiao	PROPN
fsr-3449	493	2	,	,	PUNCT
fsr-3449	493	3	j.	j.	PROPN
fsr-3449	493	4	j.	j.	PROPN
fsr-3449	493	5	(	(	PUNCT
fsr-3449	493	6	1996	1996	NUM
fsr-3449	493	7	)	)	PUNCT
fsr-3449	493	8	.	.	PUNCT
fsr-3449	494	1	effects	effect	NOUN
fsr-3449	494	2	of	of	ADP
fsr-3449	494	3	family	family	NOUN
fsr-3449	494	4	income	income	NOUN
fsr-3449	494	5	and	and	CCONJ
fsr-3449	494	6	life	life	NOUN
fsr-3449	494	7	cycle	cycle	NOUN
fsr-3449	494	8	stages	stage	NOUN
fsr-3449	494	9	on	on	ADP
fsr-3449	494	10	financial	financial	ADJ
fsr-3449	494	11	asset	asset	NOUN
fsr-3449	494	12	ownership	ownership	NOUN
fsr-3449	494	13	.	.	PUNCT
fsr-3449	495	1	journal	journal	NOUN
fsr-3449	495	2	of	of	ADP
fsr-3449	495	3	financial	financial	ADJ
fsr-3449	495	4	counseling	counseling	NOUN
fsr-3449	495	5	and	and	CCONJ
fsr-3449	495	6	planning	planning	NOUN
fsr-3449	495	7	,	,	PUNCT
fsr-3449	495	8	7	7	NUM
fsr-3449	495	9	,	,	PUNCT
fsr-3449	495	10	21	21	NUM
fsr-3449	495	11	-	-	SYM
fsr-3449	495	12	30	30	NUM
fsr-3449	495	13	.	.	PUNCT
fsr-3449	496	1	xiao	xiao	PROPN
fsr-3449	496	2	,	,	PUNCT
fsr-3449	496	3	j.	j.	PROPN
fsr-3449	496	4	j.	j.	PROPN
fsr-3449	496	5	,	,	PUNCT
fsr-3449	496	6	chen	chen	PROPN
fsr-3449	496	7	,	,	PUNCT
fsr-3449	496	8	c.	c.	PROPN
fsr-3449	496	9	,	,	PUNCT
fsr-3449	496	10	&	&	CCONJ
fsr-3449	496	11	chen	chen	PROPN
fsr-3449	496	12	,	,	PUNCT
fsr-3449	496	13	f.	f.	PROPN
fsr-3449	496	14	(	(	PUNCT
fsr-3449	496	15	2014	2014	NUM
fsr-3449	496	16	)	)	PUNCT
fsr-3449	496	17	.	.	PUNCT
fsr-3449	497	1	consumer	consumer	NOUN
fsr-3449	497	2	financial	financial	ADJ
fsr-3449	497	3	capability	capability	NOUN
fsr-3449	497	4	and	and	CCONJ
fsr-3449	497	5	financial	financial	ADJ
fsr-3449	497	6	satisfaction	satisfaction	NOUN
fsr-3449	497	7	.	.	PUNCT
fsr-3449	498	1	social	social	ADJ
fsr-3449	498	2	indicators	indicator	NOUN
fsr-3449	498	3	research	research	NOUN
fsr-3449	498	4	,	,	PUNCT
fsr-3449	498	5	118	118	NUM
fsr-3449	498	6	,	,	PUNCT
fsr-3449	498	7	415	415	NUM
fsr-3449	498	8	-	-	SYM
fsr-3449	498	9	432	432	NUM
fsr-3449	498	10	.	.	PUNCT
fsr-3449	499	1	xiao	xiao	PROPN
fsr-3449	499	2	,	,	PUNCT
fsr-3449	499	3	j.	j.	PROPN
fsr-3449	499	4	j.	j.	PROPN
fsr-3449	499	5	,	,	PUNCT
fsr-3449	499	6	&	&	CCONJ
fsr-3449	499	7	o’neill	o’neill	PROPN
fsr-3449	499	8	,	,	PUNCT
fsr-3449	499	9	b.	b.	PROPN
fsr-3449	499	10	(	(	PUNCT
fsr-3449	499	11	2018	2018	NUM
fsr-3449	499	12	)	)	PUNCT
fsr-3449	499	13	.	.	PUNCT
fsr-3449	500	1	propensity	propensity	NOUN
fsr-3449	500	2	to	to	PART
fsr-3449	500	3	plan	plan	VERB
fsr-3449	500	4	,	,	PUNCT
fsr-3449	500	5	financial	financial	ADJ
fsr-3449	500	6	capability	capability	NOUN
fsr-3449	500	7	,	,	PUNCT
fsr-3449	500	8	and	and	CCONJ
fsr-3449	500	9	financial	financial	ADJ
fsr-3449	500	10	satisfaction	satisfaction	NOUN
fsr-3449	500	11	.	.	PUNCT
fsr-3449	501	1	international	international	ADJ
fsr-3449	501	2	journal	journal	PROPN
fsr-3449	501	3	of	of	ADP
fsr-3449	501	4	consumer	consumer	NOUN
fsr-3449	501	5	studies	study	NOUN
fsr-3449	501	6	,	,	PUNCT
fsr-3449	501	7	42	42	NUM
fsr-3449	501	8	,	,	PUNCT
fsr-3449	501	9	501	501	NUM
fsr-3449	501	10	-	-	SYM
fsr-3449	501	11	512	512	NUM
fsr-3449	501	12	.	.	PUNCT
fsr-3449	502	1	zietz	zietz	NOUN
fsr-3449	502	2	,	,	PUNCT
fsr-3449	502	3	e.	e.	PROPN
fsr-3449	502	4	n.	n.	PROPN
fsr-3449	502	5	(	(	PUNCT
fsr-3449	502	6	2003	2003	NUM
fsr-3449	502	7	)	)	PUNCT
fsr-3449	502	8	.	.	PUNCT
fsr-3449	503	1	an	an	DET
fsr-3449	503	2	examination	examination	NOUN
fsr-3449	503	3	of	of	ADP
fsr-3449	503	4	the	the	DET
fsr-3449	503	5	demand	demand	NOUN
fsr-3449	503	6	for	for	ADP
fsr-3449	503	7	life	life	NOUN
fsr-3449	503	8	insurance	insurance	NOUN
fsr-3449	503	9	.	.	PUNCT
fsr-3449	504	1	risk	risk	NOUN
fsr-3449	504	2	management	management	NOUN
fsr-3449	504	3	and	and	CCONJ
fsr-3449	504	4	insurance	insurance	NOUN
fsr-3449	504	5	review	review	NOUN
fsr-3449	504	6	,	,	PUNCT
fsr-3449	504	7	6	6	NUM
fsr-3449	504	8	,	,	PUNCT
fsr-3449	504	9	159	159	NUM
fsr-3449	504	10	-	-	SYM
fsr-3449	504	11	191	191	NUM
fsr-3449	504	12	.	.	PUNCT
fsr-3449	505	1	w.	w.	PROPN
fsr-3449	505	2	heo	heo	PROPN
fsr-3449	505	3	et	et	PROPN
fsr-3449	505	4	al	al	PROPN
fsr-3449	505	5	.	.	PUNCT
fsr-3449	505	6	/	/	SYM
fsr-3449	505	7	financial	financial	ADJ
fsr-3449	505	8	services	service	NOUN
fsr-3449	505	9	review	review	VERB
fsr-3449	505	10	29	29	NUM
fsr-3449	505	11	(	(	PUNCT
fsr-3449	505	12	2021	2021	NUM
fsr-3449	505	13	)	)	PUNCT
fsr-3449	506	1	101–119	101–119	NUM
fsr-3449	506	2	119	119	NUM