id	sid	tid	token	lemma	pos
fsr-3450	1	1	focusing	focus	VERB
fsr-3450	1	2	on	on	ADP
fsr-3450	1	3	both	both	DET
fsr-3450	1	4	sides	side	NOUN
fsr-3450	1	5	of	of	ADP
fsr-3450	1	6	the	the	DET
fsr-3450	1	7	balance	balance	NOUN
fsr-3450	1	8	sheet	sheet	NOUN
fsr-3450	1	9	:	:	PUNCT
fsr-3450	1	10	the	the	DET
fsr-3450	1	11	potential	potential	ADJ
fsr-3450	1	12	benefit	benefit	NOUN
fsr-3450	1	13	of	of	ADP
fsr-3450	1	14	liability	liability	NOUN
fsr-3450	1	15	management	management	NOUN
fsr-3450	1	16	zhikun	zhikun	PROPN
fsr-3450	1	17	liua	liua	NOUN
fsr-3450	1	18	,	,	PUNCT
fsr-3450	1	19	*	*	PROPN
fsr-3450	1	20	,	,	PUNCT
fsr-3450	1	21	david	david	PROPN
fsr-3450	1	22	m.	m.	PROPN
fsr-3450	1	23	blanchettb	blanchettb	PROPN
fsr-3450	1	24	aempower	aempower	PROPN
fsr-3450	1	25	retirement	retirement	NOUN
fsr-3450	1	26	,	,	PUNCT
fsr-3450	1	27	8515	8515	NUM
fsr-3450	1	28	e.	e.	PROPN
fsr-3450	1	29	orchard	orchard	PROPN
fsr-3450	1	30	road	road	NOUN
fsr-3450	1	31	,	,	PUNCT
fsr-3450	1	32	4t2	4t2	NUM
fsr-3450	1	33	,	,	PUNCT
fsr-3450	1	34	greenwood	greenwood	PROPN
fsr-3450	1	35	village	village	PROPN
fsr-3450	1	36	,	,	PUNCT
fsr-3450	1	37	co	co	NOUN
fsr-3450	1	38	80111	80111	NUM
fsr-3450	1	39	,	,	PUNCT
fsr-3450	1	40	united	united	PROPN
fsr-3450	1	41	states	states	PROPN
fsr-3450	1	42	bmorningstar	bmorningstar	PROPN
fsr-3450	1	43	investment	investment	PROPN
fsr-3450	1	44	management	management	PROPN
fsr-3450	1	45	llc	llc	PROPN
fsr-3450	1	46	,	,	PUNCT
fsr-3450	1	47	22	22	NUM
fsr-3450	1	48	w.	w.	PROPN
fsr-3450	1	49	washington	washington	PROPN
fsr-3450	1	50	street	street	PROPN
fsr-3450	1	51	,	,	PUNCT
fsr-3450	1	52	chicago	chicago	PROPN
fsr-3450	1	53	,	,	PUNCT
fsr-3450	1	54	il	il	PROPN
fsr-3450	1	55	60602	60602	NUM
fsr-3450	1	56	,	,	PUNCT
fsr-3450	1	57	united	united	PROPN
fsr-3450	1	58	states	states	PROPN
fsr-3450	1	59	abstract	abstract	ADJ
fsr-3450	1	60	debt	debt	NOUN
fsr-3450	1	61	has	have	AUX
fsr-3450	1	62	become	become	VERB
fsr-3450	1	63	a	a	DET
fsr-3450	1	64	significant	significant	ADJ
fsr-3450	1	65	issue	issue	NOUN
fsr-3450	1	66	among	among	ADP
fsr-3450	1	67	u.s	u.s	PROPN
fsr-3450	1	68	.	.	PROPN
fsr-3450	1	69	households	household	NOUN
fsr-3450	1	70	with	with	ADP
fsr-3450	1	71	average	average	ADJ
fsr-3450	1	72	household	household	NOUN
fsr-3450	1	73	interest	interest	NOUN
fsr-3450	1	74	payments	payment	NOUN
fsr-3450	1	75	on	on	ADP
fsr-3450	1	76	liabilities	liability	NOUN
fsr-3450	1	77	exceeding	exceed	VERB
fsr-3450	1	78	expected	expect	VERB
fsr-3450	1	79	returns	return	NOUN
fsr-3450	1	80	on	on	ADP
fsr-3450	1	81	investment	investment	NOUN
fsr-3450	1	82	assets	asset	NOUN
fsr-3450	1	83	by	by	ADP
fsr-3450	1	84	more	more	ADJ
fsr-3450	1	85	than	than	ADP
fsr-3450	1	86	50	50	NUM
fsr-3450	1	87	%	%	NOUN
fsr-3450	1	88	.	.	PUNCT
fsr-3450	2	1	in	in	ADP
fsr-3450	2	2	this	this	DET
fsr-3450	2	3	study	study	NOUN
fsr-3450	2	4	,	,	PUNCT
fsr-3450	2	5	we	we	PRON
fsr-3450	2	6	explore	explore	VERB
fsr-3450	2	7	the	the	DET
fsr-3450	2	8	role	role	NOUN
fsr-3450	2	9	of	of	ADP
fsr-3450	2	10	u.s	u.s	PROPN
fsr-3450	2	11	.	.	PROPN
fsr-3450	2	12	household	household	NOUN
fsr-3450	2	13	debt	debt	NOUN
fsr-3450	2	14	and	and	CCONJ
fsr-3450	2	15	analyze	analyze	VERB
fsr-3450	2	16	the	the	DET
fsr-3450	2	17	impact	impact	NOUN
fsr-3450	2	18	of	of	ADP
fsr-3450	2	19	different	different	ADJ
fsr-3450	2	20	economic	economic	ADJ
fsr-3450	2	21	,	,	PUNCT
fsr-3450	2	22	demographic	demographic	ADJ
fsr-3450	2	23	,	,	PUNCT
fsr-3450	2	24	and	and	CCONJ
fsr-3450	2	25	behavioral	behavioral	ADJ
fsr-3450	2	26	factors	factor	NOUN
fsr-3450	2	27	on	on	ADP
fsr-3450	2	28	household	household	NOUN
fsr-3450	2	29	borrowing	borrowing	NOUN
fsr-3450	2	30	decisions	decision	NOUN
fsr-3450	2	31	,	,	PUNCT
fsr-3450	2	32	with	with	ADP
fsr-3450	2	33	a	a	DET
fsr-3450	2	34	particular	particular	ADJ
fsr-3450	2	35	focus	focus	NOUN
fsr-3450	2	36	on	on	ADP
fsr-3450	2	37	“	"	PUNCT
fsr-3450	2	38	good	good	ADJ
fsr-3450	2	39	”	"	PUNCT
fsr-3450	2	40	and	and	CCONJ
fsr-3450	2	41	“	"	PUNCT
fsr-3450	2	42	bad	bad	ADJ
fsr-3450	2	43	”	"	PUNCT
fsr-3450	2	44	debts	debt	NOUN
fsr-3450	2	45	,	,	PUNCT
fsr-3450	2	46	which	which	PRON
fsr-3450	2	47	depend	depend	VERB
fsr-3450	2	48	on	on	ADP
fsr-3450	2	49	type	type	NOUN
fsr-3450	2	50	and	and	CCONJ
fsr-3450	2	51	interest	interest	NOUN
fsr-3450	2	52	rate	rate	NOUN
fsr-3450	2	53	.	.	PUNCT
fsr-3450	3	1	we	we	PRON
fsr-3450	3	2	estimate	estimate	VERB
fsr-3450	3	3	significant	significant	ADJ
fsr-3450	3	4	potential	potential	ADJ
fsr-3450	3	5	benefits	benefit	NOUN
fsr-3450	3	6	with	with	ADP
fsr-3450	3	7	improved	improve	VERB
fsr-3450	3	8	liability	liability	NOUN
fsr-3450	3	9	management	management	NOUN
fsr-3450	3	10	and	and	CCONJ
fsr-3450	3	11	find	find	VERB
fsr-3450	3	12	that	that	SCONJ
fsr-3450	3	13	households	household	NOUN
fsr-3450	3	14	with	with	ADP
fsr-3450	3	15	lower	low	ADJ
fsr-3450	3	16	asset	asset	NOUN
fsr-3450	3	17	,	,	PUNCT
fsr-3450	3	18	income	income	NOUN
fsr-3450	3	19	,	,	PUNCT
fsr-3450	3	20	and	and	CCONJ
fsr-3450	3	21	education	education	NOUN
fsr-3450	3	22	levels	level	NOUN
fsr-3450	3	23	are	be	AUX
fsr-3450	3	24	likely	likely	ADJ
fsr-3450	3	25	to	to	PART
fsr-3450	3	26	benefit	benefit	VERB
fsr-3450	3	27	most	most	ADV
fsr-3450	3	28	from	from	ADP
fsr-3450	3	29	assistance	assistance	NOUN
fsr-3450	3	30	with	with	ADP
fsr-3450	3	31	debt	debt	NOUN
fsr-3450	3	32	optimization	optimization	NOUN
fsr-3450	3	33	.	.	PUNCT
fsr-3450	4	1	©	©	PROPN
fsr-3450	4	2	2021	2021	NUM
fsr-3450	4	3	academy	academy	NOUN
fsr-3450	4	4	of	of	ADP
fsr-3450	4	5	financial	financial	ADJ
fsr-3450	4	6	services	service	NOUN
fsr-3450	4	7	.	.	PUNCT
fsr-3450	5	1	all	all	DET
fsr-3450	5	2	rights	right	NOUN
fsr-3450	5	3	reserved	reserve	VERB
fsr-3450	5	4	.	.	PUNCT
fsr-3450	6	1	jel	jel	PROPN
fsr-3450	6	2	classification	classification	NOUN
fsr-3450	6	3	:	:	PUNCT
fsr-3450	6	4	d12	d12	ADJ
fsr-3450	6	5	;	;	PUNCT
fsr-3450	6	6	g4	g4	NOUN
fsr-3450	6	7	;	;	PUNCT
fsr-3450	6	8	d15	d15	NOUN
fsr-3450	6	9	keywords	keyword	NOUN
fsr-3450	6	10	:	:	PUNCT
fsr-3450	6	11	debt	debt	NOUN
fsr-3450	6	12	management	management	NOUN
fsr-3450	6	13	;	;	PUNCT
fsr-3450	6	14	retirement	retirement	NOUN
fsr-3450	6	15	financial	financial	ADJ
fsr-3450	6	16	planning	planning	NOUN
fsr-3450	6	17	;	;	PUNCT
fsr-3450	6	18	behavioral	behavioral	ADJ
fsr-3450	6	19	finance	finance	NOUN
fsr-3450	6	20	;	;	PUNCT
fsr-3450	6	21	financial	financial	ADJ
fsr-3450	6	22	decision	decision	NOUN
fsr-3450	6	23	making	make	VERB
fsr-3450	6	24	1	1	NUM
fsr-3450	6	25	.	.	PUNCT
fsr-3450	6	26	introduction	introduction	NOUN
fsr-3450	6	27	debt	debt	NOUN
fsr-3450	6	28	is	be	AUX
fsr-3450	6	29	an	an	DET
fsr-3450	6	30	increasingly	increasingly	ADV
fsr-3450	6	31	significant	significant	ADJ
fsr-3450	6	32	part	part	NOUN
fsr-3450	6	33	of	of	ADP
fsr-3450	6	34	the	the	DET
fsr-3450	6	35	u.s	u.s	PROPN
fsr-3450	6	36	.	.	PROPN
fsr-3450	6	37	household	household	NOUN
fsr-3450	6	38	balance	balance	NOUN
fsr-3450	6	39	sheet	sheet	NOUN
fsr-3450	6	40	.	.	PUNCT
fsr-3450	7	1	after	after	ADP
fsr-3450	7	2	the	the	DET
fsr-3450	7	3	2007–2009	2007–2009	NUM
fsr-3450	7	4	economic	economic	ADJ
fsr-3450	7	5	recession	recession	NOUN
fsr-3450	7	6	,	,	PUNCT
fsr-3450	7	7	debt	debt	NOUN
fsr-3450	7	8	levels	level	NOUN
fsr-3450	7	9	of	of	ADP
fsr-3450	7	10	american	american	ADJ
fsr-3450	7	11	households	household	NOUN
fsr-3450	7	12	have	have	AUX
fsr-3450	7	13	increased	increase	VERB
fsr-3450	7	14	significantly	significantly	ADV
fsr-3450	7	15	(	(	PUNCT
fsr-3450	7	16	bricker	bricker	NOUN
fsr-3450	7	17	et	et	NOUN
fsr-3450	7	18	al	al	PROPN
fsr-3450	7	19	.	.	PROPN
fsr-3450	7	20	,	,	PUNCT
fsr-3450	7	21	2017	2017	NUM
fsr-3450	7	22	)	)	PUNCT
fsr-3450	7	23	.	.	PUNCT
fsr-3450	8	1	the	the	DET
fsr-3450	8	2	total	total	ADJ
fsr-3450	8	3	u.s	u.s	PROPN
fsr-3450	8	4	.	.	PROPN
fsr-3450	8	5	household	household	NOUN
fsr-3450	8	6	indebtedness	indebtedness	NOUN
fsr-3450	8	7	was	be	AUX
fsr-3450	8	8	approximately	approximately	ADV
fsr-3450	8	9	$	$	SYM
fsr-3450	8	10	14.27	14.27	NUM
fsr-3450	8	11	trillion	trillion	NUM
fsr-3450	8	12	as	as	ADP
fsr-3450	8	13	of	of	ADP
fsr-3450	8	14	june	june	PROPN
fsr-3450	8	15	30	30	NUM
fsr-3450	8	16	,	,	PUNCT
fsr-3450	8	17	2020	2020	NUM
fsr-3450	8	18	,	,	PUNCT
fsr-3450	8	19	according	accord	VERB
fsr-3450	8	20	to	to	ADP
fsr-3450	8	21	the	the	DET
fsr-3450	8	22	federal	federal	PROPN
fsr-3450	8	23	reserve	reserve	PROPN
fsr-3450	8	24	bank	bank	PROPN
fsr-3450	8	25	of	of	ADP
fsr-3450	8	26	new	new	PROPN
fsr-3450	8	27	york	york	PROPN
fsr-3450	8	28	.	.	PUNCT
fsr-3450	9	1	this	this	PRON
fsr-3450	9	2	is	be	AUX
fsr-3450	9	3	higher	high	ADJ
fsr-3450	9	4	than	than	ADP
fsr-3450	9	5	the	the	DET
fsr-3450	9	6	previous	previous	ADJ
fsr-3450	9	7	peak	peak	NOUN
fsr-3450	9	8	of	of	ADP
fsr-3450	9	9	$	$	SYM
fsr-3450	9	10	12.68	12.68	NUM
fsr-3450	9	11	trillion	trillion	NUM
fsr-3450	9	12	in	in	ADP
fsr-3450	9	13	the	the	DET
fsr-3450	9	14	third	third	ADJ
fsr-3450	9	15	quarter	quarter	NOUN
fsr-3450	9	16	of	of	ADP
fsr-3450	9	17	2008	2008	NUM
fsr-3450	9	18	(	(	PUNCT
fsr-3450	9	19	adjusted	adjust	VERB
fsr-3450	9	20	to	to	ADP
fsr-3450	9	21	2019	2019	NUM
fsr-3450	9	22	dollars	dollar	NOUN
fsr-3450	9	23	)	)	PUNCT
fsr-3450	9	24	and	and	CCONJ
fsr-3450	9	25	has	have	AUX
fsr-3450	9	26	increased	increase	VERB
fsr-3450	9	27	by	by	ADP
fsr-3450	9	28	27.9	27.9	NUM
fsr-3450	9	29	%	%	NOUN
fsr-3450	9	30	since	since	SCONJ
fsr-3450	9	31	the	the	DET
fsr-3450	9	32	second	second	ADJ
fsr-3450	9	33	quarter	quarter	NOUN
fsr-3450	9	34	of	of	ADP
fsr-3450	9	35	2013	2013	NUM
fsr-3450	9	36	(	(	PUNCT
fsr-3450	9	37	federal	federal	PROPN
fsr-3450	9	38	reserve	reserve	PROPN
fsr-3450	9	39	bank	bank	PROPN
fsr-3450	9	40	of	of	ADP
fsr-3450	9	41	new	new	PROPN
fsr-3450	9	42	york	york	PROPN
fsr-3450	9	43	,	,	PUNCT
fsr-3450	9	44	2020	2020	NUM
fsr-3450	9	45	)	)	PUNCT
fsr-3450	9	46	.	.	PUNCT
fsr-3450	10	1	additional	additional	ADJ
fsr-3450	10	2	information	information	NOUN
fsr-3450	10	3	on	on	ADP
fsr-3450	10	4	this	this	DET
fsr-3450	10	5	effect	effect	NOUN
fsr-3450	10	6	is	be	AUX
fsr-3450	10	7	shown	show	VERB
fsr-3450	10	8	in	in	ADP
fsr-3450	10	9	fig	fig	NOUN
fsr-3450	10	10	.	.	PUNCT
fsr-3450	11	1	1	1	X
fsr-3450	11	2	.	.	X
fsr-3450	11	3	*	*	PUNCT
fsr-3450	11	4	corresponding	correspond	VERB
fsr-3450	11	5	author	author	NOUN
fsr-3450	11	6	:	:	PUNCT
fsr-3450	11	7	tel	tel	PROPN
fsr-3450	11	8	.	.	PUNCT
fsr-3450	11	9	:	:	PUNCT
fsr-3450	12	1	+1	+1	ADJ
fsr-3450	12	2	-	-	PUNCT
fsr-3450	12	3	303	303	NUM
fsr-3450	12	4	-	-	PUNCT
fsr-3450	12	5	737	737	NUM
fsr-3450	12	6	-	-	PUNCT
fsr-3450	12	7	6207	6207	NUM
fsr-3450	12	8	;	;	PUNCT
fsr-3450	12	9	fax	fax	NOUN
fsr-3450	12	10	:	:	PUNCT
fsr-3450	12	11	+1	+1	PROPN
fsr-3450	12	12	-	-	PUNCT
fsr-3450	12	13	303	303	NUM
fsr-3450	12	14	-	-	PUNCT
fsr-3450	12	15	737	737	NUM
fsr-3450	12	16	-	-	PUNCT
fsr-3450	12	17	6544	6544	NUM
fsr-3450	12	18	.	.	PUNCT
fsr-3450	13	1	email	email	NOUN
fsr-3450	13	2	address	address	PROPN
fsr-3450	13	3	:	:	PUNCT
fsr-3450	13	4	zhikun.liu@empower-retirement.com	zhikun.liu@empower-retirement.com	PROPN
fsr-3450	13	5	(	(	PUNCT
fsr-3450	13	6	z.	z.	PROPN
fsr-3450	13	7	liu	liu	PROPN
fsr-3450	13	8	)	)	PUNCT
fsr-3450	13	9	1057	1057	NUM
fsr-3450	13	10	-	-	SYM
fsr-3450	13	11	0810/21/$	0810/21/$	NUM
fsr-3450	13	12	–	–	PUNCT
fsr-3450	13	13	see	see	VERB
fsr-3450	13	14	front	front	ADJ
fsr-3450	13	15	matter	matter	NOUN
fsr-3450	13	16	©	©	PROPN
fsr-3450	13	17	2021	2021	NUM
fsr-3450	13	18	academy	academy	NOUN
fsr-3450	13	19	of	of	ADP
fsr-3450	13	20	financial	financial	ADJ
fsr-3450	13	21	services	service	NOUN
fsr-3450	13	22	.	.	PUNCT
fsr-3450	14	1	all	all	DET
fsr-3450	14	2	rights	right	NOUN
fsr-3450	14	3	reserved	reserve	VERB
fsr-3450	14	4	.	.	PUNCT
fsr-3450	15	1	financial	financial	ADJ
fsr-3450	15	2	services	service	NOUN
fsr-3450	15	3	review	review	VERB
fsr-3450	15	4	29	29	NUM
fsr-3450	15	5	(	(	PUNCT
fsr-3450	15	6	2021	2021	NUM
fsr-3450	15	7	)	)	PUNCT
fsr-3450	16	1	121–145	121–145	NUM
fsr-3450	16	2	financial	financial	ADJ
fsr-3450	16	3	firms	firm	NOUN
fsr-3450	16	4	and	and	CCONJ
fsr-3450	16	5	advisors	advisor	NOUN
fsr-3450	16	6	tend	tend	VERB
fsr-3450	16	7	to	to	PART
fsr-3450	16	8	spend	spend	VERB
fsr-3450	16	9	significantly	significantly	ADV
fsr-3450	16	10	more	more	ADJ
fsr-3450	16	11	time	time	NOUN
fsr-3450	16	12	focusing	focus	VERB
fsr-3450	16	13	on	on	ADP
fsr-3450	16	14	the	the	DET
fsr-3450	16	15	assets	asset	NOUN
fsr-3450	16	16	side	side	NOUN
fsr-3450	16	17	of	of	ADP
fsr-3450	16	18	the	the	DET
fsr-3450	16	19	household	household	NOUN
fsr-3450	16	20	balance	balance	NOUN
fsr-3450	16	21	sheet	sheet	NOUN
fsr-3450	16	22	compared	compare	VERB
fsr-3450	16	23	with	with	ADP
fsr-3450	16	24	the	the	DET
fsr-3450	16	25	liability	liability	NOUN
fsr-3450	16	26	side	side	NOUN
fsr-3450	16	27	.	.	PUNCT
fsr-3450	17	1	this	this	DET
fsr-3450	17	2	focus	focus	NOUN
fsr-3450	17	3	is	be	AUX
fsr-3450	17	4	consistent	consistent	ADJ
fsr-3450	17	5	with	with	ADP
fsr-3450	17	6	the	the	DET
fsr-3450	17	7	traditional	traditional	ADJ
fsr-3450	17	8	skill	skill	NOUN
fsr-3450	17	9	set	set	VERB
fsr-3450	17	10	of	of	ADP
fsr-3450	17	11	financial	financial	ADJ
fsr-3450	17	12	advisors	advisor	NOUN
fsr-3450	17	13	—	—	PUNCT
fsr-3450	17	14	building	build	VERB
fsr-3450	17	15	portfolios	portfolio	NOUN
fsr-3450	17	16	—	—	PUNCT
fsr-3450	17	17	and	and	CCONJ
fsr-3450	17	18	reflects	reflect	VERB
fsr-3450	17	19	how	how	SCONJ
fsr-3450	17	20	they	they	PRON
fsr-3450	17	21	are	be	AUX
fsr-3450	17	22	typically	typically	ADV
fsr-3450	17	23	compensated	compensate	VERB
fsr-3450	17	24	(	(	PUNCT
fsr-3450	17	25	e.g.	e.g.	ADV
fsr-3450	17	26	,	,	PUNCT
fsr-3450	17	27	as	as	ADP
fsr-3450	17	28	a	a	DET
fsr-3450	17	29	percentage	percentage	NOUN
fsr-3450	17	30	of	of	ADP
fsr-3450	17	31	assets	asset	NOUN
fsr-3450	17	32	under	under	ADP
fsr-3450	17	33	management	management	NOUN
fsr-3450	17	34	)	)	PUNCT
fsr-3450	17	35	.	.	PUNCT
fsr-3450	18	1	however	however	ADV
fsr-3450	18	2	,	,	PUNCT
fsr-3450	18	3	in	in	ADP
fsr-3450	18	4	this	this	DET
fsr-3450	18	5	study	study	NOUN
fsr-3450	18	6	,	,	PUNCT
fsr-3450	18	7	we	we	PRON
fsr-3450	18	8	demonstrate	demonstrate	VERB
fsr-3450	18	9	that	that	SCONJ
fsr-3450	18	10	this	this	DET
fsr-3450	18	11	predominant	predominant	ADJ
fsr-3450	18	12	attention	attention	NOUN
fsr-3450	18	13	paid	pay	VERB
fsr-3450	18	14	to	to	ADP
fsr-3450	18	15	the	the	DET
fsr-3450	18	16	assets	asset	NOUN
fsr-3450	18	17	does	do	AUX
fsr-3450	18	18	not	not	PART
fsr-3450	18	19	necessarily	necessarily	ADV
fsr-3450	18	20	reflect	reflect	VERB
fsr-3450	18	21	the	the	DET
fsr-3450	18	22	economic	economic	ADJ
fsr-3450	18	23	importance	importance	NOUN
fsr-3450	18	24	within	within	ADP
fsr-3450	18	25	the	the	DET
fsr-3450	18	26	context	context	NOUN
fsr-3450	18	27	of	of	ADP
fsr-3450	18	28	the	the	DET
fsr-3450	18	29	household	household	NOUN
fsr-3450	18	30	’s	’s	PART
fsr-3450	18	31	entire	entire	ADJ
fsr-3450	18	32	balance	balance	NOUN
fsr-3450	18	33	sheet	sheet	NOUN
fsr-3450	18	34	(	(	PUNCT
fsr-3450	18	35	i.e.	i.e.	X
fsr-3450	18	36	,	,	PUNCT
fsr-3450	18	37	when	when	SCONJ
fsr-3450	18	38	liabilities	liability	NOUN
fsr-3450	18	39	are	be	AUX
fsr-3450	18	40	taken	take	VERB
fsr-3450	18	41	into	into	ADP
fsr-3450	18	42	consideration	consideration	NOUN
fsr-3450	18	43	)	)	PUNCT
fsr-3450	18	44	.	.	PUNCT
fsr-3450	19	1	for	for	ADP
fsr-3450	19	2	example	example	NOUN
fsr-3450	19	3	,	,	PUNCT
fsr-3450	19	4	data	datum	NOUN
fsr-3450	19	5	from	from	ADP
fsr-3450	19	6	the	the	DET
fsr-3450	19	7	2016	2016	NUM
fsr-3450	19	8	survey	survey	NOUN
fsr-3450	19	9	of	of	ADP
fsr-3450	19	10	consumer	consumer	NOUN
fsr-3450	19	11	finances	finance	NOUN
fsr-3450	19	12	(	(	PUNCT
fsr-3450	19	13	scf	scf	PROPN
fsr-3450	19	14	)	)	PUNCT
fsr-3450	19	15	suggest	suggest	VERB
fsr-3450	19	16	that	that	SCONJ
fsr-3450	19	17	among	among	ADP
fsr-3450	19	18	“	"	PUNCT
fsr-3450	19	19	low	low	ADJ
fsr-3450	19	20	-	-	PUNCT
fsr-3450	19	21	to	to	ADP
fsr-3450	19	22	-	-	PUNCT
fsr-3450	19	23	affluent	affluent	ADJ
fsr-3450	19	24	”	"	PUNCT
fsr-3450	19	25	u.s	u.s	PROPN
fsr-3450	19	26	.	.	PROPN
fsr-3450	19	27	households	household	NOUN
fsr-3450	19	28	,	,	PUNCT
fsr-3450	19	29	the	the	DET
fsr-3450	19	30	total	total	ADJ
fsr-3450	19	31	interest	interest	NOUN
fsr-3450	19	32	payments	payment	NOUN
fsr-3450	19	33	on	on	ADP
fsr-3450	19	34	debts	debt	NOUN
fsr-3450	19	35	exceed	exceed	VERB
fsr-3450	19	36	the	the	DET
fsr-3450	19	37	expected	expect	VERB
fsr-3450	19	38	gains	gain	NOUN
fsr-3450	19	39	from	from	ADP
fsr-3450	19	40	their	their	PRON
fsr-3450	19	41	financial	financial	ADJ
fsr-3450	19	42	assets.1	assets.1	PROPN
fsr-3450	19	43	therefore	therefore	ADV
fsr-3450	19	44	,	,	PUNCT
fsr-3450	19	45	spending	spend	VERB
fsr-3450	19	46	time	time	NOUN
fsr-3450	19	47	on	on	ADP
fsr-3450	19	48	“	"	PUNCT
fsr-3450	19	49	debt	debt	NOUN
fsr-3450	19	50	optimization	optimization	NOUN
fsr-3450	19	51	”	"	PUNCT
fsr-3450	19	52	is	be	AUX
fsr-3450	19	53	likely	likely	ADJ
fsr-3450	19	54	to	to	PART
fsr-3450	19	55	result	result	VERB
fsr-3450	19	56	in	in	ADP
fsr-3450	19	57	better	well	ADJ
fsr-3450	19	58	outcomes	outcome	NOUN
fsr-3450	19	59	than	than	ADP
fsr-3450	19	60	focusing	focus	VERB
fsr-3450	19	61	on	on	ADP
fsr-3450	19	62	assets	asset	NOUN
fsr-3450	19	63	alone	alone	ADV
fsr-3450	19	64	.	.	PUNCT
fsr-3450	20	1	in	in	ADP
fsr-3450	20	2	this	this	DET
fsr-3450	20	3	article	article	NOUN
fsr-3450	20	4	,	,	PUNCT
fsr-3450	20	5	we	we	PRON
fsr-3450	20	6	explore	explore	VERB
fsr-3450	20	7	the	the	DET
fsr-3450	20	8	composition	composition	NOUN
fsr-3450	20	9	of	of	ADP
fsr-3450	20	10	household	household	NOUN
fsr-3450	20	11	balance	balance	NOUN
fsr-3450	20	12	sheets	sheet	NOUN
fsr-3450	20	13	in	in	ADP
fsr-3450	20	14	the	the	DET
fsr-3450	20	15	united	united	PROPN
fsr-3450	20	16	states	states	PROPN
fsr-3450	20	17	to	to	PART
fsr-3450	20	18	understand	understand	VERB
fsr-3450	20	19	the	the	DET
fsr-3450	20	20	potential	potential	ADJ
fsr-3450	20	21	benefits	benefit	NOUN
fsr-3450	20	22	associated	associate	VERB
fsr-3450	20	23	with	with	ADP
fsr-3450	20	24	making	make	VERB
fsr-3450	20	25	more	more	ADV
fsr-3450	20	26	intelligent	intelligent	ADJ
fsr-3450	20	27	debt	debt	NOUN
fsr-3450	20	28	decisions	decision	NOUN
fsr-3450	20	29	.	.	PUNCT
fsr-3450	21	1	consistent	consistent	ADJ
fsr-3450	21	2	with	with	ADP
fsr-3450	21	3	past	past	ADJ
fsr-3450	21	4	research	research	NOUN
fsr-3450	21	5	,	,	PUNCT
fsr-3450	21	6	we	we	PRON
fsr-3450	21	7	find	find	VERB
fsr-3450	21	8	that	that	SCONJ
fsr-3450	21	9	certain	certain	ADJ
fsr-3450	21	10	types	type	NOUN
fsr-3450	21	11	of	of	ADP
fsr-3450	21	12	“	"	PUNCT
fsr-3450	21	13	bad	bad	ADJ
fsr-3450	21	14	”	"	PUNCT
fsr-3450	21	15	debts	debt	NOUN
fsr-3450	21	16	,	,	PUNCT
fsr-3450	21	17	such	such	ADJ
fsr-3450	21	18	as	as	ADP
fsr-3450	21	19	credit	credit	NOUN
fsr-3450	21	20	cards	card	NOUN
fsr-3450	21	21	,	,	PUNCT
fsr-3450	21	22	are	be	AUX
fsr-3450	21	23	relatively	relatively	ADV
fsr-3450	21	24	common	common	ADJ
fsr-3450	21	25	on	on	ADP
fsr-3450	21	26	household	household	NOUN
fsr-3450	21	27	balance	balance	NOUN
fsr-3450	21	28	sheets	sheet	NOUN
fsr-3450	21	29	today	today	NOUN
fsr-3450	21	30	despite	despite	SCONJ
fsr-3450	21	31	their	their	PRON
fsr-3450	21	32	high	high	ADJ
fsr-3450	21	33	interest	interest	NOUN
fsr-3450	21	34	rates	rate	NOUN
fsr-3450	21	35	(	(	PUNCT
fsr-3450	21	36	averaging	average	VERB
fsr-3450	21	37	approximately	approximately	ADV
fsr-3450	21	38	15%).2	15%).2	NUM
fsr-3450	21	39	it	it	PRON
fsr-3450	21	40	is	be	AUX
fsr-3450	21	41	not	not	PART
fsr-3450	21	42	clear	clear	ADJ
fsr-3450	21	43	to	to	ADP
fsr-3450	21	44	what	what	DET
fsr-3450	21	45	extent	extent	NOUN
fsr-3450	21	46	interest	interest	NOUN
fsr-3450	21	47	rates	rate	NOUN
fsr-3450	21	48	could	could	AUX
fsr-3450	21	49	be	be	AUX
fsr-3450	21	50	lower	low	ADJ
fsr-3450	21	51	had	have	VERB
fsr-3450	21	52	the	the	DET
fsr-3450	21	53	household	household	NOUN
fsr-3450	21	54	done	do	VERB
fsr-3450	21	55	more	more	ADV
fsr-3450	21	56	due	due	ADJ
fsr-3450	21	57	diligence	diligence	NOUN
fsr-3450	21	58	on	on	ADP
fsr-3450	21	59	its	its	PRON
fsr-3450	21	60	debt	debt	NOUN
fsr-3450	21	61	decisions	decision	NOUN
fsr-3450	21	62	,	,	PUNCT
fsr-3450	21	63	or	or	CCONJ
fsr-3450	21	64	the	the	DET
fsr-3450	21	65	extent	extent	NOUN
fsr-3450	21	66	to	to	PART
fsr-3450	21	67	which	which	PRON
fsr-3450	21	68	these	these	DET
fsr-3450	21	69	debts	debt	NOUN
fsr-3450	21	70	can	can	AUX
fsr-3450	21	71	be	be	AUX
fsr-3450	21	72	refinanced	refinance	VERB
fsr-3450	21	73	,	,	PUNCT
fsr-3450	21	74	but	but	CCONJ
fsr-3450	21	75	it	it	PRON
fsr-3450	21	76	is	be	AUX
fsr-3450	21	77	likely	likely	ADJ
fsr-3450	21	78	that	that	SCONJ
fsr-3450	21	79	some	some	PRON
fsr-3450	21	80	,	,	PUNCT
fsr-3450	21	81	and	and	CCONJ
fsr-3450	21	82	possibly	possibly	ADV
fsr-3450	21	83	many	many	ADJ
fsr-3450	21	84	,	,	PUNCT
fsr-3450	21	85	households	household	NOUN
fsr-3450	21	86	’	'	PUNCT
fsr-3450	21	87	situations	situation	NOUN
fsr-3450	21	88	can	can	AUX
fsr-3450	21	89	be	be	AUX
fsr-3450	21	90	improved	improve	VERB
fsr-3450	21	91	(	(	PUNCT
fsr-3450	21	92	i.e.	i.e.	X
fsr-3450	21	93	,	,	PUNCT
fsr-3450	21	94	the	the	DET
fsr-3450	21	95	household	household	NOUN
fsr-3450	21	96	could	could	AUX
fsr-3450	21	97	reduce	reduce	VERB
fsr-3450	21	98	the	the	DET
fsr-3450	21	99	interest	interest	NOUN
fsr-3450	21	100	rate	rate	NOUN
fsr-3450	21	101	on	on	ADP
fsr-3450	21	102	outstanding	outstanding	ADJ
fsr-3450	21	103	debt	debt	NOUN
fsr-3450	21	104	)	)	PUNCT
fsr-3450	21	105	.	.	PUNCT
fsr-3450	22	1	this	this	DET
fsr-3450	22	2	analysis	analysis	NOUN
fsr-3450	22	3	suggests	suggest	VERB
fsr-3450	22	4	more	more	ADJ
fsr-3450	22	5	work	work	NOUN
fsr-3450	22	6	should	should	AUX
fsr-3450	22	7	be	be	AUX
fsr-3450	22	8	done	do	VERB
fsr-3450	22	9	to	to	PART
fsr-3450	22	10	understand	understand	VERB
fsr-3450	22	11	the	the	DET
fsr-3450	22	12	potential	potential	ADJ
fsr-3450	22	13	benefits	benefit	NOUN
fsr-3450	22	14	of	of	ADP
fsr-3450	22	15	improving	improve	VERB
fsr-3450	22	16	household	household	NOUN
fsr-3450	22	17	credit	credit	NOUN
fsr-3450	22	18	decisions	decision	NOUN
fsr-3450	22	19	.	.	PUNCT
fsr-3450	23	1	the	the	DET
fsr-3450	23	2	objective	objective	NOUN
fsr-3450	23	3	of	of	ADP
fsr-3450	23	4	this	this	DET
fsr-3450	23	5	study	study	NOUN
fsr-3450	23	6	is	be	AUX
fsr-3450	23	7	to	to	PART
fsr-3450	23	8	demonstrate	demonstrate	VERB
fsr-3450	23	9	the	the	DET
fsr-3450	23	10	urgency	urgency	NOUN
fsr-3450	23	11	,	,	PUNCT
fsr-3450	23	12	importance	importance	NOUN
fsr-3450	23	13	,	,	PUNCT
fsr-3450	23	14	and	and	CCONJ
fsr-3450	23	15	potential	potential	ADJ
fsr-3450	23	16	impact	impact	NOUN
fsr-3450	23	17	of	of	ADP
fsr-3450	23	18	household	household	NOUN
fsr-3450	23	19	liability	liability	NOUN
fsr-3450	23	20	management	management	NOUN
fsr-3450	23	21	by	by	ADP
fsr-3450	23	22	answering	answer	VERB
fsr-3450	23	23	the	the	DET
fsr-3450	23	24	following	follow	VERB
fsr-3450	23	25	questions	question	NOUN
fsr-3450	23	26	:	:	PUNCT
fsr-3450	23	27	what	what	PRON
fsr-3450	23	28	is	be	AUX
fsr-3450	23	29	the	the	DET
fsr-3450	23	30	current	current	ADJ
fsr-3450	23	31	financial	financial	ADJ
fsr-3450	23	32	situation	situation	NOUN
fsr-3450	23	33	and	and	CCONJ
fsr-3450	23	34	retirement	retirement	NOUN
fsr-3450	23	35	outlook	outlook	NOUN
fsr-3450	23	36	of	of	ADP
fsr-3450	23	37	low	low	ADJ
fsr-3450	23	38	-	-	PUNCT
fsr-3450	23	39	to	to	ADP
fsr-3450	23	40	-	-	PUNCT
fsr-3450	23	41	affluent	affluent	ADJ
fsr-3450	23	42	u.s	u.s	PROPN
fsr-3450	23	43	.	.	PROPN
fsr-3450	23	44	households	household	NOUN
fsr-3450	23	45	?	?	PUNCT
fsr-3450	24	1	what	what	DET
fsr-3450	24	2	factors	factor	NOUN
fsr-3450	24	3	are	be	AUX
fsr-3450	24	4	associated	associate	VERB
fsr-3450	24	5	with	with	ADP
fsr-3450	24	6	household	household	NOUN
fsr-3450	24	7	debts	debt	NOUN
fsr-3450	24	8	and	and	CCONJ
fsr-3450	24	9	leverage	leverage	NOUN
fsr-3450	24	10	ratios	ratio	NOUN
fsr-3450	24	11	?	?	PUNCT
fsr-3450	25	1	what	what	PRON
fsr-3450	25	2	is	be	AUX
fsr-3450	25	3	the	the	DET
fsr-3450	25	4	difference	difference	NOUN
fsr-3450	25	5	between	between	ADP
fsr-3450	25	6	“	"	PUNCT
fsr-3450	25	7	good	good	ADJ
fsr-3450	25	8	”	"	PUNCT
fsr-3450	25	9	and	and	CCONJ
fsr-3450	25	10	“	"	PUNCT
fsr-3450	25	11	bad	bad	ADJ
fsr-3450	25	12	”	"	PUNCT
fsr-3450	25	13	debts?3	debts?3	NOUN
fsr-3450	25	14	will	will	AUX
fsr-3450	25	15	the	the	DET
fsr-3450	25	16	attributes	attribute	NOUN
fsr-3450	25	17	related	relate	VERB
fsr-3450	25	18	to	to	ADP
fsr-3450	25	19	households	household	NOUN
fsr-3450	25	20	carrying	carry	VERB
fsr-3450	25	21	different	different	ADJ
fsr-3450	25	22	types	type	NOUN
fsr-3450	25	23	of	of	ADP
fsr-3450	25	24	debts	debt	NOUN
fsr-3450	25	25	be	be	AUX
fsr-3450	25	26	similar	similar	ADJ
fsr-3450	25	27	?	?	PUNCT
fsr-3450	26	1	what	what	PRON
fsr-3450	26	2	kinds	kind	NOUN
fsr-3450	26	3	of	of	ADP
fsr-3450	26	4	families	family	NOUN
fsr-3450	26	5	are	be	AUX
fsr-3450	26	6	more	more	ADV
fsr-3450	26	7	likely	likely	ADJ
fsr-3450	26	8	to	to	PART
fsr-3450	26	9	have	have	VERB
fsr-3450	26	10	higher	high	ADJ
fsr-3450	26	11	average	average	ADJ
fsr-3450	26	12	debt	debt	NOUN
fsr-3450	26	13	interest	interest	NOUN
fsr-3450	26	14	rates	rate	NOUN
fsr-3450	26	15	and	and	CCONJ
fsr-3450	26	16	how	how	SCONJ
fsr-3450	26	17	much	much	ADJ
fsr-3450	26	18	could	could	AUX
fsr-3450	26	19	they	they	PRON
fsr-3450	26	20	save	save	VERB
fsr-3450	26	21	by	by	ADP
fsr-3450	26	22	accessing	access	VERB
fsr-3450	26	23	liability	liability	NOUN
fsr-3450	26	24	optimization	optimization	NOUN
fsr-3450	26	25	?	?	PUNCT
fsr-3450	27	1	fig	fig	NOUN
fsr-3450	27	2	.	.	PUNCT
fsr-3450	28	1	1	1	X
fsr-3450	28	2	.	.	X
fsr-3450	28	3	growth	growth	NOUN
fsr-3450	28	4	trends	trend	NOUN
fsr-3450	28	5	in	in	ADP
fsr-3450	28	6	u.s	u.s	PROPN
fsr-3450	28	7	.	.	PROPN
fsr-3450	28	8	consumer	consumer	NOUN
fsr-3450	28	9	credit	credit	NOUN
fsr-3450	28	10	owned	own	VERB
fsr-3450	28	11	.	.	PUNCT
fsr-3450	29	1	source	source	NOUN
fsr-3450	29	2	:	:	PUNCT
fsr-3450	29	3	federal	federal	PROPN
fsr-3450	29	4	reserve	reserve	PROPN
fsr-3450	29	5	board	board	PROPN
fsr-3450	29	6	ny	ny	PROPN
fsr-3450	29	7	2020	2020	NUM
fsr-3450	29	8	consumer	consumer	NOUN
fsr-3450	29	9	credit	credit	NOUN
fsr-3450	29	10	panel	panel	NOUN
fsr-3450	29	11	/	/	SYM
fsr-3450	29	12	equifax	equifax	NOUN
fsr-3450	29	13	.	.	PUNCT
fsr-3450	30	1	122	122	NUM
fsr-3450	30	2	z.	z.	PROPN
fsr-3450	30	3	liu	liu	PROPN
fsr-3450	30	4	and	and	CCONJ
fsr-3450	30	5	d.	d.	PROPN
fsr-3450	30	6	m.	m.	PROPN
fsr-3450	30	7	blanchett	blanchett	PROPN
fsr-3450	30	8	/	/	SYM
fsr-3450	30	9	financial	financial	ADJ
fsr-3450	30	10	services	service	NOUN
fsr-3450	30	11	review	review	VERB
fsr-3450	30	12	29	29	NUM
fsr-3450	30	13	(	(	PUNCT
fsr-3450	30	14	2021	2021	NUM
fsr-3450	30	15	)	)	PUNCT
fsr-3450	31	1	121–145	121–145	NUM
fsr-3450	31	2	2	2	NUM
fsr-3450	31	3	.	.	PUNCT
fsr-3450	31	4	literature	literature	NOUN
fsr-3450	31	5	review	review	NOUN
fsr-3450	31	6	using	use	VERB
fsr-3450	31	7	data	datum	NOUN
fsr-3450	31	8	from	from	ADP
fsr-3450	31	9	multiple	multiple	ADJ
fsr-3450	31	10	waves	wave	NOUN
fsr-3450	31	11	of	of	ADP
fsr-3450	31	12	the	the	DET
fsr-3450	31	13	scf	scf	PROPN
fsr-3450	31	14	,	,	PUNCT
fsr-3450	31	15	emmons	emmon	NOUN
fsr-3450	31	16	and	and	CCONJ
fsr-3450	31	17	noeth	noeth	PROPN
fsr-3450	31	18	(	(	PUNCT
fsr-3450	31	19	2013	2013	NUM
fsr-3450	31	20	)	)	PUNCT
fsr-3450	31	21	report	report	NOUN
fsr-3450	31	22	that	that	SCONJ
fsr-3450	31	23	the	the	DET
fsr-3450	31	24	household	household	NOUN
fsr-3450	31	25	leverage	leverage	NOUN
fsr-3450	31	26	ratio	ratio	NOUN
fsr-3450	31	27	,	,	PUNCT
fsr-3450	31	28	defined	define	VERB
fsr-3450	31	29	by	by	ADP
fsr-3450	31	30	the	the	DET
fsr-3450	31	31	sum	sum	NOUN
fsr-3450	31	32	of	of	ADP
fsr-3450	31	33	total	total	ADJ
fsr-3450	31	34	debts	debt	NOUN
fsr-3450	31	35	divided	divide	VERB
fsr-3450	31	36	by	by	ADP
fsr-3450	31	37	total	total	ADJ
fsr-3450	31	38	assets	asset	NOUN
fsr-3450	31	39	,	,	PUNCT
fsr-3450	31	40	is	be	AUX
fsr-3450	31	41	higher	high	ADJ
fsr-3450	31	42	among	among	ADP
fsr-3450	31	43	younger	young	ADJ
fsr-3450	31	44	families	family	NOUN
fsr-3450	31	45	.	.	PUNCT
fsr-3450	32	1	also	also	ADV
fsr-3450	32	2	using	use	VERB
fsr-3450	32	3	scf	scf	PROPN
fsr-3450	32	4	data	datum	NOUN
fsr-3450	32	5	,	,	PUNCT
fsr-3450	32	6	barba	barba	NOUN
fsr-3450	32	7	and	and	CCONJ
fsr-3450	32	8	pivetti	pivetti	PROPN
fsr-3450	32	9	(	(	PUNCT
fsr-3450	32	10	2009	2009	NUM
fsr-3450	32	11	)	)	PUNCT
fsr-3450	32	12	demonstrate	demonstrate	VERB
fsr-3450	32	13	that	that	SCONJ
fsr-3450	32	14	the	the	DET
fsr-3450	32	15	rising	rise	VERB
fsr-3450	32	16	household	household	NOUN
fsr-3450	32	17	indebtedness	indebtedness	NOUN
fsr-3450	32	18	is	be	AUX
fsr-3450	32	19	associated	associate	VERB
fsr-3450	32	20	with	with	ADP
fsr-3450	32	21	a	a	DET
fsr-3450	32	22	decrease	decrease	NOUN
fsr-3450	32	23	in	in	ADP
fsr-3450	32	24	the	the	DET
fsr-3450	32	25	household	household	NOUN
fsr-3450	32	26	savings	saving	NOUN
fsr-3450	32	27	rate	rate	NOUN
fsr-3450	32	28	.	.	PUNCT
fsr-3450	33	1	this	this	DET
fsr-3450	33	2	phenomenon	phenomenon	NOUN
fsr-3450	33	3	is	be	AUX
fsr-3450	33	4	partially	partially	ADV
fsr-3450	33	5	explained	explain	VERB
fsr-3450	33	6	by	by	ADP
fsr-3450	33	7	lagging	lag	VERB
fsr-3450	33	8	real	real	ADJ
fsr-3450	33	9	wage	wage	NOUN
fsr-3450	33	10	growth	growth	NOUN
fsr-3450	33	11	and	and	CCONJ
fsr-3450	33	12	the	the	DET
fsr-3450	33	13	tendency	tendency	NOUN
fsr-3450	33	14	for	for	SCONJ
fsr-3450	33	15	u.s	u.s	PROPN
fsr-3450	33	16	.	.	PROPN
fsr-3450	33	17	households	household	NOUN
fsr-3450	33	18	to	to	PART
fsr-3450	33	19	sustain	sustain	VERB
fsr-3450	33	20	their	their	PRON
fsr-3450	33	21	relative	relative	ADJ
fsr-3450	33	22	consumption	consumption	NOUN
fsr-3450	33	23	level	level	NOUN
fsr-3450	33	24	.	.	PUNCT
fsr-3450	34	1	based	base	VERB
fsr-3450	34	2	on	on	ADP
fsr-3450	34	3	data	datum	NOUN
fsr-3450	34	4	from	from	ADP
fsr-3450	34	5	consumer	consumer	NOUN
fsr-3450	34	6	finance	finance	NOUN
fsr-3450	34	7	monthly	monthly	ADV
fsr-3450	34	8	,	,	PUNCT
fsr-3450	34	9	jiang	jiang	PROPN
fsr-3450	34	10	and	and	CCONJ
fsr-3450	34	11	dunn	dunn	PROPN
fsr-3450	34	12	(	(	PUNCT
fsr-3450	34	13	2013	2013	NUM
fsr-3450	34	14	)	)	PUNCT
fsr-3450	34	15	show	show	VERB
fsr-3450	34	16	that	that	SCONJ
fsr-3450	34	17	younger	young	ADJ
fsr-3450	34	18	consumers	consumer	NOUN
fsr-3450	34	19	have	have	VERB
fsr-3450	34	20	higher	high	ADJ
fsr-3450	34	21	levels	level	NOUN
fsr-3450	34	22	of	of	ADP
fsr-3450	34	23	credit	credit	NOUN
fsr-3450	34	24	card	card	NOUN
fsr-3450	34	25	debt	debt	NOUN
fsr-3450	34	26	and	and	CCONJ
fsr-3450	34	27	are	be	AUX
fsr-3450	34	28	repaying	repay	VERB
fsr-3450	34	29	that	that	DET
fsr-3450	34	30	debt	debt	NOUN
fsr-3450	34	31	at	at	ADP
fsr-3450	34	32	lower	low	ADJ
fsr-3450	34	33	rates	rate	NOUN
fsr-3450	34	34	than	than	ADP
fsr-3450	34	35	previous	previous	ADJ
fsr-3450	34	36	generations.4	generations.4	PROPN
fsr-3450	34	37	using	use	VERB
fsr-3450	34	38	the	the	DET
fsr-3450	34	39	health	health	NOUN
fsr-3450	34	40	and	and	CCONJ
fsr-3450	34	41	retirement	retirement	NOUN
fsr-3450	34	42	study	study	NOUN
fsr-3450	34	43	(	(	PUNCT
fsr-3450	34	44	hrs	hrs	NOUN
fsr-3450	34	45	)	)	PUNCT
fsr-3450	34	46	,	,	PUNCT
fsr-3450	34	47	gustman	gustman	NOUN
fsr-3450	34	48	,	,	PUNCT
fsr-3450	34	49	steinmeier	steinmeier	NOUN
fsr-3450	34	50	,	,	PUNCT
fsr-3450	34	51	and	and	CCONJ
fsr-3450	34	52	tabatabai	tabatabai	NOUN
fsr-3450	34	53	(	(	PUNCT
fsr-3450	34	54	2011	2011	NUM
fsr-3450	34	55	)	)	PUNCT
fsr-3450	34	56	find	find	VERB
fsr-3450	34	57	that	that	SCONJ
fsr-3450	34	58	relative	relative	ADJ
fsr-3450	34	59	debt	debt	NOUN
fsr-3450	34	60	levels	level	NOUN
fsr-3450	34	61	have	have	AUX
fsr-3450	34	62	been	be	AUX
fsr-3450	34	63	increasing	increase	VERB
fsr-3450	34	64	for	for	ADP
fsr-3450	34	65	households	household	NOUN
fsr-3450	34	66	that	that	PRON
fsr-3450	34	67	are	be	AUX
fsr-3450	34	68	near	near	ADP
fsr-3450	34	69	retirement	retirement	NOUN
fsr-3450	34	70	since	since	SCONJ
fsr-3450	34	71	the	the	DET
fsr-3450	34	72	2007–2009	2007–2009	NUM
fsr-3450	34	73	recession	recession	NOUN
fsr-3450	34	74	and	and	CCONJ
fsr-3450	34	75	that	that	SCONJ
fsr-3450	34	76	much	much	ADJ
fsr-3450	34	77	of	of	ADP
fsr-3450	34	78	the	the	DET
fsr-3450	34	79	growth	growth	NOUN
fsr-3450	34	80	in	in	ADP
fsr-3450	34	81	debt	debt	NOUN
fsr-3450	34	82	appears	appear	VERB
fsr-3450	34	83	to	to	PART
fsr-3450	34	84	be	be	AUX
fsr-3450	34	85	related	relate	VERB
fsr-3450	34	86	to	to	ADP
fsr-3450	34	87	mortgage	mortgage	NOUN
fsr-3450	34	88	and	and	CCONJ
fsr-3450	34	89	housing	housing	NOUN
fsr-3450	34	90	expenses	expense	NOUN
fsr-3450	34	91	.	.	PUNCT
fsr-3450	35	1	the	the	DET
fsr-3450	35	2	quarterly	quarterly	ADJ
fsr-3450	35	3	report	report	NOUN
fsr-3450	35	4	on	on	ADP
fsr-3450	35	5	household	household	NOUN
fsr-3450	35	6	debt	debt	NOUN
fsr-3450	35	7	and	and	CCONJ
fsr-3450	35	8	credit	credit	NOUN
fsr-3450	35	9	for	for	ADP
fsr-3450	35	10	the	the	DET
fsr-3450	35	11	second	second	ADJ
fsr-3450	35	12	quarter	quarter	NOUN
fsr-3450	35	13	of	of	ADP
fsr-3450	35	14	2020	2020	NUM
fsr-3450	35	15	supports	support	VERB
fsr-3450	35	16	this	this	DET
fsr-3450	35	17	finding	finding	NOUN
fsr-3450	35	18	,	,	PUNCT
fsr-3450	35	19	reporting	report	VERB
fsr-3450	35	20	$	$	SYM
fsr-3450	35	21	9.78	9.78	NUM
fsr-3450	35	22	trillion	trillion	NUM
fsr-3450	35	23	of	of	ADP
fsr-3450	35	24	mortgage	mortgage	NOUN
fsr-3450	35	25	balances	balance	NOUN
fsr-3450	35	26	for	for	ADP
fsr-3450	35	27	u.s	u.s	PROPN
fsr-3450	35	28	.	.	PROPN
fsr-3450	35	29	households	household	NOUN
fsr-3450	35	30	(	(	PUNCT
fsr-3450	35	31	federal	federal	PROPN
fsr-3450	35	32	reserve	reserve	PROPN
fsr-3450	35	33	bank	bank	PROPN
fsr-3450	35	34	of	of	ADP
fsr-3450	35	35	new	new	PROPN
fsr-3450	35	36	york	york	PROPN
fsr-3450	35	37	,	,	PUNCT
fsr-3450	35	38	2020	2020	NUM
fsr-3450	35	39	)	)	PUNCT
fsr-3450	35	40	.	.	PUNCT
fsr-3450	36	1	using	use	VERB
fsr-3450	36	2	the	the	DET
fsr-3450	36	3	hrs	hrs	NOUN
fsr-3450	36	4	,	,	PUNCT
fsr-3450	36	5	lee	lee	PROPN
fsr-3450	36	6	,	,	PUNCT
fsr-3450	36	7	lown	lown	PROPN
fsr-3450	36	8	,	,	PUNCT
fsr-3450	36	9	and	and	CCONJ
fsr-3450	36	10	sharpe	sharpe	PROPN
fsr-3450	36	11	(	(	PUNCT
fsr-3450	36	12	2007	2007	NUM
fsr-3450	36	13	)	)	PUNCT
fsr-3450	36	14	study	study	VERB
fsr-3450	36	15	the	the	DET
fsr-3450	36	16	dissaving	dissave	VERB
fsr-3450	36	17	behavior	behavior	NOUN
fsr-3450	36	18	of	of	ADP
fsr-3450	36	19	older	old	ADJ
fsr-3450	36	20	americans	american	NOUN
fsr-3450	36	21	and	and	CCONJ
fsr-3450	36	22	point	point	VERB
fsr-3450	36	23	out	out	ADP
fsr-3450	36	24	that	that	SCONJ
fsr-3450	36	25	financial	financial	ADJ
fsr-3450	36	26	debt	debt	NOUN
fsr-3450	36	27	carried	carry	VERB
fsr-3450	36	28	into	into	ADP
fsr-3450	36	29	later	later	ADJ
fsr-3450	36	30	life	life	NOUN
fsr-3450	36	31	may	may	AUX
fsr-3450	36	32	result	result	VERB
fsr-3450	36	33	in	in	ADP
fsr-3450	36	34	reduced	reduced	ADJ
fsr-3450	36	35	access	access	NOUN
fsr-3450	36	36	to	to	ADP
fsr-3450	36	37	essential	essential	ADJ
fsr-3450	36	38	health	health	NOUN
fsr-3450	36	39	care	care	NOUN
fsr-3450	36	40	,	,	PUNCT
fsr-3450	36	41	restrictions	restriction	NOUN
fsr-3450	36	42	on	on	ADP
fsr-3450	36	43	activities	activity	NOUN
fsr-3450	36	44	,	,	PUNCT
fsr-3450	36	45	and	and	CCONJ
fsr-3450	36	46	delayed	delay	VERB
fsr-3450	36	47	retirement	retirement	NOUN
fsr-3450	36	48	.	.	PUNCT
fsr-3450	37	1	among	among	ADP
fsr-3450	37	2	the	the	DET
fsr-3450	37	3	different	different	ADJ
fsr-3450	37	4	categories	category	NOUN
fsr-3450	37	5	of	of	ADP
fsr-3450	37	6	household	household	NOUN
fsr-3450	37	7	liabilities	liability	NOUN
fsr-3450	37	8	,	,	PUNCT
fsr-3450	37	9	high	high	ADJ
fsr-3450	37	10	-	-	PUNCT
fsr-3450	37	11	interest	interest	NOUN
fsr-3450	37	12	debts	debt	NOUN
fsr-3450	37	13	such	such	ADJ
fsr-3450	37	14	as	as	ADP
fsr-3450	37	15	consumer	consumer	NOUN
fsr-3450	37	16	revolving	revolve	VERB
fsr-3450	37	17	credit	credit	NOUN
fsr-3450	37	18	debts	debt	NOUN
fsr-3450	37	19	can	can	AUX
fsr-3450	37	20	have	have	VERB
fsr-3450	37	21	significant	significant	ADJ
fsr-3450	37	22	negative	negative	ADJ
fsr-3450	37	23	impacts	impact	NOUN
fsr-3450	37	24	on	on	ADP
fsr-3450	37	25	household	household	NOUN
fsr-3450	37	26	balance	balance	NOUN
fsr-3450	37	27	sheets	sheet	NOUN
fsr-3450	37	28	and	and	CCONJ
fsr-3450	37	29	cash	cash	NOUN
fsr-3450	37	30	flows	flow	NOUN
fsr-3450	37	31	.	.	PUNCT
fsr-3450	38	1	based	base	VERB
fsr-3450	38	2	on	on	ADP
fsr-3450	38	3	information	information	NOUN
fsr-3450	38	4	from	from	ADP
fsr-3450	38	5	the	the	DET
fsr-3450	38	6	federal	federal	PROPN
fsr-3450	38	7	reserve	reserve	PROPN
fsr-3450	38	8	bank	bank	PROPN
fsr-3450	38	9	of	of	ADP
fsr-3450	38	10	new	new	PROPN
fsr-3450	38	11	york	york	PROPN
fsr-3450	38	12	(	(	PUNCT
fsr-3450	38	13	2019	2019	NUM
fsr-3450	38	14	)	)	PUNCT
fsr-3450	38	15	,	,	PUNCT
fsr-3450	38	16	credit	credit	NOUN
fsr-3450	38	17	card	card	NOUN
fsr-3450	38	18	balances	balance	NOUN
fsr-3450	38	19	stood	stand	VERB
fsr-3450	38	20	at	at	ADP
fsr-3450	38	21	$	$	SYM
fsr-3450	38	22	870	870	NUM
fsr-3450	38	23	billion	billion	NUM
fsr-3450	38	24	as	as	ADP
fsr-3450	38	25	of	of	ADP
fsr-3450	38	26	the	the	DET
fsr-3450	38	27	last	last	ADJ
fsr-3450	38	28	quarter	quarter	NOUN
fsr-3450	38	29	of	of	ADP
fsr-3450	38	30	2018	2018	NUM
fsr-3450	38	31	,	,	PUNCT
fsr-3450	38	32	with	with	ADP
fsr-3450	38	33	a	a	DET
fsr-3450	38	34	seasonally	seasonally	ADV
fsr-3450	38	35	adjusted	adjust	VERB
fsr-3450	38	36	annual	annual	ADJ
fsr-3450	38	37	growth	growth	NOUN
fsr-3450	38	38	rate	rate	NOUN
fsr-3450	38	39	of	of	ADP
fsr-3450	38	40	3	3	NUM
fsr-3450	38	41	%	%	NOUN
fsr-3450	38	42	.	.	PUNCT
fsr-3450	39	1	auto	auto	NOUN
fsr-3450	39	2	loan	loan	NOUN
fsr-3450	39	3	originations	origination	NOUN
fsr-3450	39	4	reached	reach	VERB
fsr-3450	39	5	the	the	DET
fsr-3450	39	6	highest	high	ADJ
fsr-3450	39	7	amount	amount	NOUN
fsr-3450	39	8	in	in	ADP
fsr-3450	39	9	the	the	DET
fsr-3450	39	10	19	19	NUM
fsr-3450	39	11	-	-	PUNCT
fsr-3450	39	12	year	year	NOUN
fsr-3450	39	13	recorded	record	VERB
fsr-3450	39	14	history	history	NOUN
fsr-3450	39	15	of	of	ADP
fsr-3450	39	16	the	the	DET
fsr-3450	39	17	new	new	PROPN
fsr-3450	39	18	york	york	PROPN
fsr-3450	39	19	fed	fed	PROPN
fsr-3450	39	20	in	in	ADP
fsr-3450	39	21	2018	2018	NUM
fsr-3450	39	22	,	,	PUNCT
fsr-3450	39	23	amounting	amount	VERB
fsr-3450	39	24	to	to	ADP
fsr-3450	39	25	$	$	SYM
fsr-3450	39	26	584	584	NUM
fsr-3450	39	27	billion	billion	NUM
fsr-3450	39	28	.	.	PUNCT
fsr-3450	40	1	unlike	unlike	ADP
fsr-3450	40	2	certain	certain	ADJ
fsr-3450	40	3	good	good	ADJ
fsr-3450	40	4	debts	debt	NOUN
fsr-3450	40	5	,	,	PUNCT
fsr-3450	40	6	which	which	PRON
fsr-3450	40	7	tend	tend	VERB
fsr-3450	40	8	to	to	PART
fsr-3450	40	9	have	have	VERB
fsr-3450	40	10	lower	low	ADJ
fsr-3450	40	11	relative	relative	ADJ
fsr-3450	40	12	interest	interest	NOUN
fsr-3450	40	13	rates	rate	NOUN
fsr-3450	40	14	and	and	CCONJ
fsr-3450	40	15	are	be	AUX
fsr-3450	40	16	typically	typically	ADV
fsr-3450	40	17	used	use	VERB
fsr-3450	40	18	to	to	PART
fsr-3450	40	19	purchase	purchase	VERB
fsr-3450	40	20	assets	asset	NOUN
fsr-3450	40	21	that	that	PRON
fsr-3450	40	22	are	be	AUX
fsr-3450	40	23	expected	expect	VERB
fsr-3450	40	24	to	to	PART
fsr-3450	40	25	generate	generate	VERB
fsr-3450	40	26	long	long	ADJ
fsr-3450	40	27	-	-	PUNCT
fsr-3450	40	28	term	term	NOUN
fsr-3450	40	29	income	income	NOUN
fsr-3450	40	30	or	or	CCONJ
fsr-3450	40	31	grow	grow	VERB
fsr-3450	40	32	in	in	ADP
fsr-3450	40	33	value	value	NOUN
fsr-3450	40	34	(	(	PUNCT
fsr-3450	40	35	e.g.	e.g.	ADV
fsr-3450	40	36	,	,	PUNCT
fsr-3450	40	37	mortgages	mortgage	NOUN
fsr-3450	40	38	)	)	PUNCT
fsr-3450	40	39	,	,	PUNCT
fsr-3450	40	40	bad	bad	ADJ
fsr-3450	40	41	debts	debt	NOUN
fsr-3450	40	42	such	such	ADJ
fsr-3450	40	43	as	as	ADP
fsr-3450	40	44	credit	credit	NOUN
fsr-3450	40	45	cards	card	NOUN
fsr-3450	40	46	,	,	PUNCT
fsr-3450	40	47	payday	payday	NOUN
fsr-3450	40	48	loans	loan	NOUN
fsr-3450	40	49	,	,	PUNCT
fsr-3450	40	50	and	and	CCONJ
fsr-3450	40	51	some	some	DET
fsr-3450	40	52	auto	auto	NOUN
fsr-3450	40	53	loans	loan	NOUN
fsr-3450	40	54	typically	typically	ADV
fsr-3450	40	55	have	have	VERB
fsr-3450	40	56	higher	high	ADJ
fsr-3450	40	57	interest	interest	NOUN
fsr-3450	40	58	rates	rate	NOUN
fsr-3450	40	59	and	and	CCONJ
fsr-3450	40	60	are	be	AUX
fsr-3450	40	61	generally	generally	ADV
fsr-3450	40	62	associated	associate	VERB
fsr-3450	40	63	with	with	ADP
fsr-3450	40	64	purchases	purchase	NOUN
fsr-3450	40	65	(	(	PUNCT
fsr-3450	40	66	and	and	CCONJ
fsr-3450	40	67	assets	asset	NOUN
fsr-3450	40	68	)	)	PUNCT
fsr-3450	40	69	that	that	PRON
fsr-3450	40	70	do	do	AUX
fsr-3450	40	71	not	not	PART
fsr-3450	40	72	generate	generate	VERB
fsr-3450	40	73	positive	positive	ADJ
fsr-3450	40	74	long	long	ADJ
fsr-3450	40	75	-	-	PUNCT
fsr-3450	40	76	term	term	NOUN
fsr-3450	40	77	returns	return	NOUN
fsr-3450	40	78	(	(	PUNCT
fsr-3450	40	79	hanson	hanson	NOUN
fsr-3450	40	80	,	,	PUNCT
fsr-3450	40	81	2006	2006	NUM
fsr-3450	40	82	)	)	PUNCT
fsr-3450	40	83	.	.	PUNCT
fsr-3450	41	1	in	in	ADP
fsr-3450	41	2	other	other	ADJ
fsr-3450	41	3	words	word	NOUN
fsr-3450	41	4	,	,	PUNCT
fsr-3450	41	5	the	the	DET
fsr-3450	41	6	cost	cost	NOUN
fsr-3450	41	7	of	of	ADP
fsr-3450	41	8	the	the	DET
fsr-3450	41	9	good	good	ADJ
fsr-3450	41	10	debts	debt	NOUN
fsr-3450	41	11	can	can	AUX
fsr-3450	41	12	often	often	ADV
fsr-3450	41	13	be	be	AUX
fsr-3450	41	14	outweighed	outweigh	VERB
fsr-3450	41	15	by	by	ADP
fsr-3450	41	16	their	their	PRON
fsr-3450	41	17	potential	potential	ADJ
fsr-3450	41	18	long	long	ADJ
fsr-3450	41	19	-	-	PUNCT
fsr-3450	41	20	term	term	NOUN
fsr-3450	41	21	benefits	benefit	NOUN
fsr-3450	41	22	,	,	PUNCT
fsr-3450	41	23	while	while	SCONJ
fsr-3450	41	24	the	the	DET
fsr-3450	41	25	bad	bad	ADJ
fsr-3450	41	26	debts	debt	NOUN
fsr-3450	41	27	’	'	PUNCT
fsr-3450	41	28	high	high	ADJ
fsr-3450	41	29	interest	interest	NOUN
fsr-3450	41	30	costs	cost	NOUN
fsr-3450	41	31	typically	typically	ADV
fsr-3450	41	32	have	have	VERB
fsr-3450	41	33	little	little	ADJ
fsr-3450	41	34	-	-	PUNCT
fsr-3450	41	35	to	to	ADP
fsr-3450	41	36	-	-	PUNCT
fsr-3450	41	37	zero	zero	NUM
fsr-3450	41	38	long	long	ADJ
fsr-3450	41	39	-	-	PUNCT
fsr-3450	41	40	term	term	NOUN
fsr-3450	41	41	returns	return	NOUN
fsr-3450	41	42	.	.	PUNCT
fsr-3450	42	1	bad	bad	ADJ
fsr-3450	42	2	debts	debt	NOUN
fsr-3450	42	3	are	be	AUX
fsr-3450	42	4	not	not	PART
fsr-3450	42	5	only	only	ADV
fsr-3450	42	6	expensive	expensive	ADJ
fsr-3450	42	7	,	,	PUNCT
fsr-3450	42	8	but	but	CCONJ
fsr-3450	42	9	they	they	PRON
fsr-3450	42	10	may	may	AUX
fsr-3450	42	11	also	also	ADV
fsr-3450	42	12	negatively	negatively	ADV
fsr-3450	42	13	influence	influence	VERB
fsr-3450	42	14	the	the	DET
fsr-3450	42	15	borrowers	borrower	NOUN
fsr-3450	42	16	’	’	PART
fsr-3450	42	17	credit	credit	NOUN
fsr-3450	42	18	scores	score	NOUN
fsr-3450	42	19	,	,	PUNCT
fsr-3450	42	20	hinder	hinder	VERB
fsr-3450	42	21	their	their	PRON
fsr-3450	42	22	financial	financial	ADJ
fsr-3450	42	23	and	and	CCONJ
fsr-3450	42	24	retirement	retirement	NOUN
fsr-3450	42	25	goals	goal	NOUN
fsr-3450	42	26	,	,	PUNCT
fsr-3450	42	27	and	and	CCONJ
fsr-3450	42	28	even	even	ADV
fsr-3450	42	29	cause	cause	VERB
fsr-3450	42	30	stress	stress	NOUN
fsr-3450	42	31	and	and	CCONJ
fsr-3450	42	32	health	health	NOUN
fsr-3450	42	33	issues	issue	NOUN
fsr-3450	42	34	.	.	PUNCT
fsr-3450	43	1	davies	davy	NOUN
fsr-3450	43	2	,	,	PUNCT
fsr-3450	43	3	montgomerie	montgomerie	NOUN
fsr-3450	43	4	,	,	PUNCT
fsr-3450	43	5	and	and	CCONJ
fsr-3450	43	6	wallin	wallin	NOUN
fsr-3450	43	7	(	(	PUNCT
fsr-3450	43	8	2015	2015	NUM
fsr-3450	43	9	)	)	PUNCT
fsr-3450	43	10	report	report	VERB
fsr-3450	43	11	a	a	DET
fsr-3450	43	12	positive	positive	ADJ
fsr-3450	43	13	relationship	relationship	NOUN
fsr-3450	43	14	between	between	ADP
fsr-3450	43	15	individuals	individual	NOUN
fsr-3450	43	16	who	who	PRON
fsr-3450	43	17	are	be	AUX
fsr-3450	43	18	deeply	deeply	ADV
fsr-3450	43	19	in	in	ADP
fsr-3450	43	20	debt	debt	NOUN
fsr-3450	43	21	and	and	CCONJ
fsr-3450	43	22	those	those	PRON
fsr-3450	43	23	who	who	PRON
fsr-3450	43	24	report	report	VERB
fsr-3450	43	25	mental	mental	ADJ
fsr-3450	43	26	health	health	NOUN
fsr-3450	43	27	problems	problem	NOUN
fsr-3450	43	28	such	such	ADJ
fsr-3450	43	29	as	as	ADP
fsr-3450	43	30	depression	depression	NOUN
fsr-3450	43	31	and	and	CCONJ
fsr-3450	43	32	physical	physical	ADJ
fsr-3450	43	33	illness	illness	NOUN
fsr-3450	43	34	.	.	PUNCT
fsr-3450	44	1	behavioral	behavioral	ADJ
fsr-3450	44	2	studies	study	NOUN
fsr-3450	44	3	also	also	ADV
fsr-3450	44	4	indicate	indicate	VERB
fsr-3450	44	5	that	that	SCONJ
fsr-3450	44	6	consumers	consumer	NOUN
fsr-3450	44	7	may	may	AUX
fsr-3450	44	8	be	be	AUX
fsr-3450	44	9	more	more	ADV
fsr-3450	44	10	likely	likely	ADJ
fsr-3450	44	11	to	to	PART
fsr-3450	44	12	accumulate	accumulate	VERB
fsr-3450	44	13	a	a	DET
fsr-3450	44	14	larger	large	ADJ
fsr-3450	44	15	revolving	revolve	VERB
fsr-3450	44	16	credit	credit	NOUN
fsr-3450	44	17	card	card	NOUN
fsr-3450	44	18	balance	balance	NOUN
fsr-3450	44	19	if	if	SCONJ
fsr-3450	44	20	they	they	PRON
fsr-3450	44	21	frequently	frequently	ADV
fsr-3450	44	22	pay	pay	VERB
fsr-3450	44	23	behind	behind	ADP
fsr-3450	44	24	schedule	schedule	NOUN
fsr-3450	44	25	or	or	CCONJ
fsr-3450	44	26	miss	miss	NOUN
fsr-3450	44	27	payments	payment	NOUN
fsr-3450	44	28	(	(	PUNCT
fsr-3450	44	29	kim	kim	PROPN
fsr-3450	44	30	&	&	CCONJ
fsr-3450	44	31	devaney	devaney	PROPN
fsr-3450	44	32	,	,	PUNCT
fsr-3450	44	33	2001	2001	NUM
fsr-3450	44	34	;	;	PUNCT
fsr-3450	44	35	wärneryd	wärneryd	PROPN
fsr-3450	44	36	,	,	PUNCT
fsr-3450	44	37	1999	1999	NUM
fsr-3450	44	38	)	)	PUNCT
fsr-3450	44	39	.	.	PUNCT
fsr-3450	45	1	therefore	therefore	ADV
fsr-3450	45	2	,	,	PUNCT
fsr-3450	45	3	helping	help	VERB
fsr-3450	45	4	consumers	consumer	NOUN
fsr-3450	45	5	stay	stay	VERB
fsr-3450	45	6	away	away	ADV
fsr-3450	45	7	from	from	ADP
fsr-3450	45	8	“	"	PUNCT
fsr-3450	45	9	bad	bad	ADJ
fsr-3450	45	10	”	"	PUNCT
fsr-3450	45	11	debt	debt	NOUN
fsr-3450	45	12	and	and	CCONJ
fsr-3450	45	13	coaching	coach	VERB
fsr-3450	45	14	them	they	PRON
fsr-3450	45	15	to	to	PART
fsr-3450	45	16	develop	develop	VERB
fsr-3450	45	17	good	good	ADJ
fsr-3450	45	18	borrowing	borrowing	NOUN
fsr-3450	45	19	and	and	CCONJ
fsr-3450	45	20	accumulation	accumulation	NOUN
fsr-3450	45	21	habits	habit	NOUN
fsr-3450	45	22	are	be	AUX
fsr-3450	45	23	essential	essential	ADJ
fsr-3450	45	24	approaches	approach	NOUN
fsr-3450	45	25	for	for	ADP
fsr-3450	45	26	advisors	advisor	NOUN
fsr-3450	45	27	and	and	CCONJ
fsr-3450	45	28	financial	financial	ADJ
fsr-3450	45	29	planning	planning	NOUN
fsr-3450	45	30	firms	firm	NOUN
fsr-3450	45	31	to	to	PART
fsr-3450	45	32	support	support	VERB
fsr-3450	45	33	their	their	PRON
fsr-3450	45	34	clients	client	NOUN
fsr-3450	45	35	’	’	PART
fsr-3450	45	36	liability	liability	NOUN
fsr-3450	45	37	management	management	NOUN
fsr-3450	45	38	.	.	PUNCT
fsr-3450	46	1	z.	z.	PROPN
fsr-3450	46	2	liu	liu	PROPN
fsr-3450	46	3	and	and	CCONJ
fsr-3450	46	4	d.	d.	PROPN
fsr-3450	46	5	m.	m.	PROPN
fsr-3450	46	6	blanchett	blanchett	PROPN
fsr-3450	46	7	/	/	SYM
fsr-3450	46	8	financial	financial	ADJ
fsr-3450	46	9	services	service	NOUN
fsr-3450	46	10	review	review	VERB
fsr-3450	46	11	29	29	NUM
fsr-3450	46	12	(	(	PUNCT
fsr-3450	46	13	2021	2021	NUM
fsr-3450	46	14	)	)	PUNCT
fsr-3450	47	1	121–145	121–145	NUM
fsr-3450	47	2	123	123	NUM
fsr-3450	47	3	this	this	DET
fsr-3450	47	4	effect	effect	NOUN
fsr-3450	47	5	,	,	PUNCT
fsr-3450	47	6	in	in	ADP
fsr-3450	47	7	which	which	PRON
fsr-3450	47	8	households	household	NOUN
fsr-3450	47	9	spend	spend	VERB
fsr-3450	47	10	more	more	ADJ
fsr-3450	47	11	on	on	ADP
fsr-3450	47	12	their	their	PRON
fsr-3450	47	13	debt	debt	NOUN
fsr-3450	47	14	than	than	SCONJ
fsr-3450	47	15	they	they	PRON
fsr-3450	47	16	earn	earn	VERB
fsr-3450	47	17	on	on	ADP
fsr-3450	47	18	their	their	PRON
fsr-3450	47	19	savings	saving	NOUN
fsr-3450	47	20	,	,	PUNCT
fsr-3450	47	21	is	be	AUX
fsr-3450	47	22	likely	likely	ADJ
fsr-3450	47	23	to	to	PART
fsr-3450	47	24	continue	continue	VERB
fsr-3450	47	25	in	in	ADP
fsr-3450	47	26	the	the	DET
fsr-3450	47	27	future	future	NOUN
fsr-3450	47	28	given	give	VERB
fsr-3450	47	29	the	the	DET
fsr-3450	47	30	growth	growth	NOUN
fsr-3450	47	31	in	in	ADP
fsr-3450	47	32	debt	debt	NOUN
fsr-3450	47	33	among	among	ADP
fsr-3450	47	34	american	american	ADJ
fsr-3450	47	35	households	household	NOUN
fsr-3450	47	36	,	,	PUNCT
fsr-3450	47	37	as	as	SCONJ
fsr-3450	47	38	noted	note	VERB
fsr-3450	47	39	in	in	ADP
fsr-3450	47	40	fig	fig	NOUN
fsr-3450	47	41	.	.	PUNCT
fsr-3450	48	1	2	2	NUM
fsr-3450	48	2	therefore	therefore	ADV
fsr-3450	48	3	,	,	PUNCT
fsr-3450	48	4	it	it	PRON
fsr-3450	48	5	is	be	AUX
fsr-3450	48	6	essential	essential	ADJ
fsr-3450	48	7	for	for	SCONJ
fsr-3450	48	8	financial	financial	ADJ
fsr-3450	48	9	planning	planning	NOUN
fsr-3450	48	10	firms	firm	NOUN
fsr-3450	48	11	and	and	CCONJ
fsr-3450	48	12	advisors	advisor	NOUN
fsr-3450	48	13	to	to	PART
fsr-3450	48	14	start	start	VERB
fsr-3450	48	15	putting	put	VERB
fsr-3450	48	16	a	a	DET
fsr-3450	48	17	greater	great	ADJ
fsr-3450	48	18	emphasis	emphasis	NOUN
fsr-3450	48	19	on	on	ADP
fsr-3450	48	20	their	their	PRON
fsr-3450	48	21	clients	client	NOUN
fsr-3450	48	22	’	’	PART
fsr-3450	48	23	debt	debt	NOUN
fsr-3450	48	24	structures	structure	NOUN
fsr-3450	48	25	and	and	CCONJ
fsr-3450	48	26	help	help	VERB
fsr-3450	48	27	them	they	PRON
fsr-3450	48	28	better	well	ADV
fsr-3450	48	29	manage	manage	VERB
fsr-3450	48	30	their	their	PRON
fsr-3450	48	31	liabilities	liability	NOUN
fsr-3450	48	32	in	in	ADP
fsr-3450	48	33	order	order	NOUN
fsr-3450	48	34	to	to	PART
fsr-3450	48	35	help	help	VERB
fsr-3450	48	36	ensure	ensure	VERB
fsr-3450	48	37	that	that	SCONJ
fsr-3450	48	38	they	they	PRON
fsr-3450	48	39	can	can	AUX
fsr-3450	48	40	achieve	achieve	VERB
fsr-3450	48	41	a	a	DET
fsr-3450	48	42	successful	successful	ADJ
fsr-3450	48	43	retirement	retirement	NOUN
fsr-3450	48	44	.	.	PUNCT
fsr-3450	49	1	zinman	zinman	NOUN
fsr-3450	49	2	(	(	PUNCT
fsr-3450	49	3	2015	2015	NUM
fsr-3450	49	4	)	)	PUNCT
fsr-3450	49	5	notes	note	VERB
fsr-3450	49	6	that	that	SCONJ
fsr-3450	49	7	research	research	NOUN
fsr-3450	49	8	on	on	ADP
fsr-3450	49	9	the	the	DET
fsr-3450	49	10	household	household	NOUN
fsr-3450	49	11	debt	debt	NOUN
fsr-3450	49	12	has	have	AUX
fsr-3450	49	13	significantly	significantly	ADV
fsr-3450	49	14	lagged	lag	VERB
fsr-3450	49	15	its	its	PRON
fsr-3450	49	16	sister	sister	NOUN
fsr-3450	49	17	literature	literature	NOUN
fsr-3450	49	18	on	on	ADP
fsr-3450	49	19	the	the	DET
fsr-3450	49	20	asset	asset	NOUN
fsr-3450	49	21	side	side	NOUN
fsr-3450	49	22	of	of	ADP
fsr-3450	49	23	the	the	DET
fsr-3450	49	24	balance	balance	NOUN
fsr-3450	49	25	sheet	sheet	NOUN
fsr-3450	49	26	.	.	PUNCT
fsr-3450	50	1	while	while	SCONJ
fsr-3450	50	2	one	one	PRON
fsr-3450	50	3	may	may	AUX
fsr-3450	50	4	assume	assume	VERB
fsr-3450	50	5	that	that	SCONJ
fsr-3450	50	6	households	household	NOUN
fsr-3450	50	7	make	make	VERB
fsr-3450	50	8	rational	rational	ADJ
fsr-3450	50	9	decisions	decision	NOUN
fsr-3450	50	10	regarding	regard	VERB
fsr-3450	50	11	debt	debt	NOUN
fsr-3450	50	12	,	,	PUNCT
fsr-3450	50	13	stango	stango	NOUN
fsr-3450	50	14	and	and	CCONJ
fsr-3450	50	15	zinman	zinman	NOUN
fsr-3450	50	16	(	(	PUNCT
fsr-3450	50	17	2016	2016	NUM
fsr-3450	50	18	)	)	PUNCT
fsr-3450	50	19	find	find	VERB
fsr-3450	50	20	that	that	SCONJ
fsr-3450	50	21	cross	cross	ADJ
fsr-3450	50	22	-	-	ADJ
fsr-3450	50	23	consumer	consumer	ADJ
fsr-3450	50	24	dispersion	dispersion	NOUN
fsr-3450	50	25	in	in	ADP
fsr-3450	50	26	credit	credit	NOUN
fsr-3450	50	27	card	card	NOUN
fsr-3450	50	28	borrowing	borrowing	NOUN
fsr-3450	50	29	costs	cost	NOUN
fsr-3450	50	30	remains	remain	VERB
fsr-3450	50	31	substantial	substantial	ADJ
fsr-3450	50	32	even	even	ADV
fsr-3450	50	33	after	after	ADP
fsr-3450	50	34	controlling	control	VERB
fsr-3450	50	35	for	for	ADP
fsr-3450	50	36	debt	debt	NOUN
fsr-3450	50	37	levels	level	NOUN
fsr-3450	50	38	,	,	PUNCT
fsr-3450	50	39	credit	credit	NOUN
fsr-3450	50	40	risk	risk	NOUN
fsr-3450	50	41	,	,	PUNCT
fsr-3450	50	42	and	and	CCONJ
fsr-3450	50	43	product	product	NOUN
fsr-3450	50	44	characteristics	characteristic	NOUN
fsr-3450	50	45	.	.	PUNCT
fsr-3450	51	1	while	while	SCONJ
fsr-3450	51	2	the	the	DET
fsr-3450	51	3	share	share	NOUN
fsr-3450	51	4	of	of	ADP
fsr-3450	51	5	u.s	u.s	PROPN
fsr-3450	51	6	.	.	PROPN
fsr-3450	51	7	households	household	NOUN
fsr-3450	51	8	with	with	ADP
fsr-3450	51	9	debt	debt	NOUN
fsr-3450	51	10	has	have	AUX
fsr-3450	51	11	been	be	AUX
fsr-3450	51	12	relatively	relatively	ADV
fsr-3450	51	13	constant	constant	ADJ
fsr-3450	51	14	,	,	PUNCT
fsr-3450	51	15	ranging	range	VERB
fsr-3450	51	16	from	from	ADP
fsr-3450	51	17	72.3	72.3	NUM
fsr-3450	51	18	%	%	NOUN
fsr-3450	51	19	in	in	ADP
fsr-3450	51	20	1989	1989	NUM
fsr-3450	51	21	to	to	ADP
fsr-3450	51	22	77.1	77.1	NUM
fsr-3450	51	23	%	%	NOUN
fsr-3450	51	24	in	in	ADP
fsr-3450	51	25	2016	2016	NUM
fsr-3450	51	26	(	(	PUNCT
fsr-3450	51	27	bricker	bricker	NOUN
fsr-3450	51	28	et	et	NOUN
fsr-3450	51	29	al	al	PROPN
fsr-3450	51	30	.	.	PROPN
fsr-3450	51	31	,	,	PUNCT
fsr-3450	51	32	2017	2017	NUM
fsr-3450	51	33	)	)	PUNCT
fsr-3450	51	34	,	,	PUNCT
fsr-3450	51	35	the	the	DET
fsr-3450	51	36	mean	mean	ADJ
fsr-3450	51	37	value	value	NOUN
fsr-3450	51	38	of	of	ADP
fsr-3450	51	39	debt	debt	NOUN
fsr-3450	51	40	for	for	ADP
fsr-3450	51	41	american	american	ADJ
fsr-3450	51	42	families	family	NOUN
fsr-3450	51	43	has	have	AUX
fsr-3450	51	44	increased	increase	VERB
fsr-3450	51	45	significantly	significantly	ADV
fsr-3450	51	46	,	,	PUNCT
fsr-3450	51	47	from	from	ADP
fsr-3450	51	48	$	$	SYM
fsr-3450	51	49	66,900	66,900	NUM
fsr-3450	51	50	in	in	ADP
fsr-3450	51	51	1989	1989	NUM
fsr-3450	51	52	(	(	PUNCT
fsr-3450	51	53	in	in	ADP
fsr-3450	51	54	2016	2016	NUM
fsr-3450	51	55	dollars	dollar	NOUN
fsr-3450	51	56	)	)	PUNCT
fsr-3450	51	57	to	to	ADP
fsr-3450	51	58	$	$	SYM
fsr-3450	51	59	123,400	123,400	NUM
fsr-3450	51	60	in	in	ADP
fsr-3450	51	61	2016	2016	NUM
fsr-3450	51	62	.	.	PUNCT
fsr-3450	52	1	this	this	DET
fsr-3450	52	2	magnitude	magnitude	NOUN
fsr-3450	52	3	of	of	ADP
fsr-3450	52	4	debt	debt	NOUN
fsr-3450	52	5	increase	increase	NOUN
fsr-3450	52	6	has	have	AUX
fsr-3450	52	7	been	be	AUX
fsr-3450	52	8	observed	observe	VERB
fsr-3450	52	9	across	across	ADP
fsr-3450	52	10	age	age	NOUN
fsr-3450	52	11	levels	level	NOUN
fsr-3450	52	12	.	.	PUNCT
fsr-3450	53	1	within	within	ADP
fsr-3450	53	2	the	the	DET
fsr-3450	53	3	2016	2016	NUM
fsr-3450	53	4	scf	scf	PROPN
fsr-3450	53	5	survey	survey	NOUN
fsr-3450	53	6	wave	wave	NOUN
fsr-3450	53	7	,	,	PUNCT
fsr-3450	53	8	the	the	DET
fsr-3450	53	9	percentage	percentage	NOUN
fsr-3450	53	10	of	of	ADP
fsr-3450	53	11	households	household	NOUN
fsr-3450	53	12	carrying	carry	VERB
fsr-3450	53	13	debt	debt	NOUN
fsr-3450	53	14	peaked	peak	VERB
fsr-3450	53	15	around	around	ADP
fsr-3450	53	16	middle	middle	ADJ
fsr-3450	53	17	age	age	NOUN
fsr-3450	53	18	(	(	PUNCT
fsr-3450	53	19	approximately	approximately	ADV
fsr-3450	53	20	45	45	NUM
fsr-3450	53	21	years	year	NOUN
fsr-3450	53	22	old	old	ADJ
fsr-3450	53	23	)	)	PUNCT
fsr-3450	53	24	,	,	PUNCT
fsr-3450	53	25	with	with	ADP
fsr-3450	53	26	the	the	DET
fsr-3450	53	27	most	most	ADV
fsr-3450	53	28	common	common	ADJ
fsr-3450	53	29	debt	debt	NOUN
fsr-3450	53	30	categories	category	NOUN
fsr-3450	53	31	being	be	AUX
fsr-3450	53	32	mortgages	mortgage	NOUN
fsr-3450	53	33	,	,	PUNCT
fsr-3450	53	34	credit	credit	NOUN
fsr-3450	53	35	card	card	NOUN
fsr-3450	53	36	debts	debt	NOUN
fsr-3450	53	37	,	,	PUNCT
fsr-3450	53	38	auto	auto	NOUN
fsr-3450	53	39	loans	loan	NOUN
fsr-3450	53	40	,	,	PUNCT
fsr-3450	53	41	and	and	CCONJ
fsr-3450	53	42	student	student	NOUN
fsr-3450	53	43	loans	loan	NOUN
fsr-3450	53	44	,	,	PUNCT
fsr-3450	53	45	as	as	SCONJ
fsr-3450	53	46	noted	note	VERB
fsr-3450	53	47	in	in	ADP
fsr-3450	53	48	fig	fig	NOUN
fsr-3450	53	49	.	.	PUNCT
fsr-3450	54	1	3	3	X
fsr-3450	54	2	.	.	X
fsr-3450	54	3	not	not	PART
fsr-3450	54	4	surprisingly	surprisingly	ADV
fsr-3450	54	5	,	,	PUNCT
fsr-3450	54	6	interest	interest	NOUN
fsr-3450	54	7	rates	rate	NOUN
fsr-3450	54	8	differ	differ	VERB
fsr-3450	54	9	significantly	significantly	ADV
fsr-3450	54	10	across	across	ADP
fsr-3450	54	11	different	different	ADJ
fsr-3450	54	12	types	type	NOUN
fsr-3450	54	13	of	of	ADP
fsr-3450	54	14	loans	loan	NOUN
fsr-3450	54	15	.	.	PUNCT
fsr-3450	55	1	in	in	ADP
fsr-3450	55	2	fig	fig	NOUN
fsr-3450	55	3	.	.	PUNCT
fsr-3450	56	1	4	4	NUM
fsr-3450	56	2	we	we	PRON
fsr-3450	56	3	provide	provide	VERB
fsr-3450	56	4	context	context	NOUN
fsr-3450	56	5	regarding	regard	VERB
fsr-3450	56	6	the	the	DET
fsr-3450	56	7	distribution	distribution	NOUN
fsr-3450	56	8	of	of	ADP
fsr-3450	56	9	interest	interest	NOUN
fsr-3450	56	10	rates	rate	NOUN
fsr-3450	56	11	for	for	ADP
fsr-3450	56	12	households	household	NOUN
fsr-3450	56	13	by	by	ADP
fsr-3450	56	14	loan	loan	NOUN
fsr-3450	56	15	type	type	NOUN
fsr-3450	56	16	,	,	PUNCT
fsr-3450	56	17	again	again	ADV
fsr-3450	56	18	using	use	VERB
fsr-3450	56	19	2016	2016	NUM
fsr-3450	56	20	scf	scf	PROPN
fsr-3450	56	21	data	datum	NOUN
fsr-3450	56	22	.	.	PUNCT
fsr-3450	57	1	fig	fig	NOUN
fsr-3450	57	2	.	.	PUNCT
fsr-3450	58	1	4	4	NUM
fsr-3450	58	2	shows	show	VERB
fsr-3450	58	3	that	that	SCONJ
fsr-3450	58	4	unsecured	unsecured	ADJ
fsr-3450	58	5	personal	personal	ADJ
fsr-3450	58	6	loans	loan	NOUN
fsr-3450	58	7	(	(	PUNCT
fsr-3450	58	8	such	such	ADJ
fsr-3450	58	9	as	as	ADP
fsr-3450	58	10	credit	credit	NOUN
fsr-3450	58	11	card	card	NOUN
fsr-3450	58	12	loans	loan	NOUN
fsr-3450	58	13	and	and	CCONJ
fsr-3450	58	14	other	other	ADJ
fsr-3450	58	15	consumer	consumer	NOUN
fsr-3450	58	16	loans	loan	NOUN
fsr-3450	58	17	)	)	PUNCT
fsr-3450	58	18	typically	typically	ADV
fsr-3450	58	19	have	have	VERB
fsr-3450	58	20	the	the	DET
fsr-3450	58	21	highest	high	ADJ
fsr-3450	58	22	interest	interest	NOUN
fsr-3450	58	23	rates	rate	NOUN
fsr-3450	58	24	.	.	PUNCT
fsr-3450	59	1	these	these	DET
fsr-3450	59	2	loans	loan	NOUN
fsr-3450	59	3	are	be	AUX
fsr-3450	59	4	also	also	ADV
fsr-3450	59	5	typically	typically	ADV
fsr-3450	59	6	categorized	categorize	VERB
fsr-3450	59	7	as	as	ADP
fsr-3450	59	8	bad	bad	ADJ
fsr-3450	59	9	debts	debt	NOUN
fsr-3450	59	10	because	because	SCONJ
fsr-3450	59	11	they	they	PRON
fsr-3450	59	12	are	be	AUX
fsr-3450	59	13	not	not	PART
fsr-3450	59	14	used	use	VERB
fsr-3450	59	15	to	to	PART
fsr-3450	59	16	purchase	purchase	VERB
fsr-3450	59	17	assets	asset	NOUN
fsr-3450	59	18	that	that	PRON
fsr-3450	59	19	improve	improve	VERB
fsr-3450	59	20	the	the	DET
fsr-3450	59	21	long	long	ADJ
fsr-3450	59	22	-	-	PUNCT
fsr-3450	59	23	term	term	NOUN
fsr-3450	59	24	financial	financial	ADJ
fsr-3450	59	25	condition	condition	NOUN
fsr-3450	59	26	of	of	ADP
fsr-3450	59	27	the	the	DET
fsr-3450	59	28	household	household	NOUN
fsr-3450	59	29	and	and	CCONJ
fsr-3450	59	30	rather	rather	ADV
fsr-3450	59	31	are	be	AUX
fsr-3450	59	32	used	use	VERB
fsr-3450	59	33	to	to	PART
fsr-3450	59	34	purchase	purchase	VERB
fsr-3450	59	35	items	item	NOUN
fsr-3450	59	36	that	that	PRON
fsr-3450	59	37	are	be	AUX
fsr-3450	59	38	more	more	ADV
fsr-3450	59	39	consumptionbased	consumptionbase	VERB
fsr-3450	59	40	in	in	ADP
fsr-3450	59	41	nature	nature	NOUN
fsr-3450	59	42	.	.	PUNCT
fsr-3450	60	1	fig	fig	NOUN
fsr-3450	60	2	.	.	PUNCT
fsr-3450	61	1	5	5	NUM
fsr-3450	61	2	jointly	jointly	ADV
fsr-3450	61	3	illustrates	illustrate	VERB
fsr-3450	61	4	the	the	DET
fsr-3450	61	5	prevalence	prevalence	NOUN
fsr-3450	61	6	of	of	ADP
fsr-3450	61	7	different	different	ADJ
fsr-3450	61	8	loan	loan	NOUN
fsr-3450	61	9	types	type	NOUN
fsr-3450	61	10	and	and	CCONJ
fsr-3450	61	11	the	the	DET
fsr-3450	61	12	median	median	ADJ
fsr-3450	61	13	interest	interest	NOUN
fsr-3450	61	14	rates	rate	NOUN
fsr-3450	61	15	among	among	ADP
fsr-3450	61	16	the	the	DET
fsr-3450	61	17	households	household	NOUN
fsr-3450	61	18	in	in	ADP
fsr-3450	61	19	which	which	PRON
fsr-3450	61	20	the	the	DET
fsr-3450	61	21	head	head	NOUN
fsr-3450	61	22	-	-	PUNCT
fsr-3450	61	23	of	of	ADP
fsr-3450	61	24	-	-	PUNCT
fsr-3450	61	25	household	household	NOUN
fsr-3450	61	26	is	be	AUX
fsr-3450	61	27	45	45	NUM
fsr-3450	61	28	years	year	NOUN
fsr-3450	61	29	old	old	ADJ
fsr-3450	61	30	.	.	PUNCT
fsr-3450	62	1	while	while	SCONJ
fsr-3450	62	2	median	median	ADJ
fsr-3450	62	3	interest	interest	NOUN
fsr-3450	62	4	rates	rate	NOUN
fsr-3450	62	5	are	be	AUX
fsr-3450	62	6	relatively	relatively	ADV
fsr-3450	62	7	static	static	ADJ
fsr-3450	62	8	across	across	ADP
fsr-3450	62	9	ages	age	NOUN
fsr-3450	62	10	,	,	PUNCT
fsr-3450	62	11	age	age	NOUN
fsr-3450	62	12	45	45	NUM
fsr-3450	62	13	is	be	AUX
fsr-3450	62	14	selected	select	VERB
fsr-3450	62	15	as	as	ADP
fsr-3450	62	16	the	the	DET
fsr-3450	62	17	representative	representative	ADJ
fsr-3450	62	18	age	age	NOUN
fsr-3450	62	19	because	because	SCONJ
fsr-3450	62	20	it	it	PRON
fsr-3450	62	21	is	be	AUX
fsr-3450	62	22	the	the	DET
fsr-3450	62	23	approximate	approximate	ADJ
fsr-3450	62	24	peak	peak	NOUN
fsr-3450	62	25	age	age	NOUN
fsr-3450	62	26	for	for	ADP
fsr-3450	62	27	indebtedness	indebtedness	NOUN
fsr-3450	62	28	,	,	PUNCT
fsr-3450	62	29	as	as	SCONJ
fsr-3450	62	30	previously	previously	ADV
fsr-3450	62	31	noted	note	VERB
fsr-3450	62	32	in	in	ADP
fsr-3450	62	33	fig	fig	NOUN
fsr-3450	62	34	.	.	PUNCT
fsr-3450	63	1	3	3	X
fsr-3450	63	2	.	.	X
fsr-3450	63	3	our	our	PRON
fsr-3450	63	4	study	study	NOUN
fsr-3450	63	5	explores	explore	VERB
fsr-3450	63	6	the	the	DET
fsr-3450	63	7	urgency	urgency	NOUN
fsr-3450	63	8	and	and	CCONJ
fsr-3450	63	9	importance	importance	NOUN
fsr-3450	63	10	of	of	ADP
fsr-3450	63	11	liability	liability	NOUN
fsr-3450	63	12	management	management	NOUN
fsr-3450	63	13	for	for	ADP
fsr-3450	63	14	american	american	ADJ
fsr-3450	63	15	households	household	NOUN
fsr-3450	63	16	.	.	PUNCT
fsr-3450	64	1	the	the	DET
fsr-3450	64	2	article	article	NOUN
fsr-3450	64	3	consists	consist	VERB
fsr-3450	64	4	of	of	ADP
fsr-3450	64	5	the	the	DET
fsr-3450	64	6	following	follow	VERB
fsr-3450	64	7	sections	section	NOUN
fsr-3450	64	8	:	:	PUNCT
fsr-3450	64	9	first	first	ADV
fsr-3450	64	10	,	,	PUNCT
fsr-3450	64	11	this	this	DET
fsr-3450	64	12	study	study	NOUN
fsr-3450	64	13	utilizes	utilize	VERB
fsr-3450	64	14	scf	scf	PROPN
fsr-3450	64	15	data	datum	NOUN
fsr-3450	64	16	to	to	PART
fsr-3450	64	17	develop	develop	VERB
fsr-3450	64	18	a	a	DET
fsr-3450	64	19	general	general	ADJ
fsr-3450	64	20	picture	picture	NOUN
fsr-3450	64	21	of	of	ADP
fsr-3450	64	22	u.s	u.s	PROPN
fsr-3450	64	23	.	.	PROPN
fsr-3450	64	24	households	household	NOUN
fsr-3450	64	25	’	'	PUNCT
fsr-3450	64	26	financial	financial	ADJ
fsr-3450	64	27	situations	situation	NOUN
fsr-3450	64	28	in	in	ADP
fsr-3450	64	29	terms	term	NOUN
fsr-3450	64	30	of	of	ADP
fsr-3450	64	31	their	their	PRON
fsr-3450	64	32	balance	balance	NOUN
fsr-3450	64	33	sheet	sheet	NOUN
fsr-3450	64	34	characteristics	characteristic	NOUN
fsr-3450	64	35	.	.	PUNCT
fsr-3450	65	1	second	second	ADJ
fsr-3450	65	2	,	,	PUNCT
fsr-3450	65	3	we	we	PRON
fsr-3450	65	4	review	review	VERB
fsr-3450	65	5	the	the	DET
fsr-3450	65	6	liability	liability	NOUN
fsr-3450	65	7	side	side	NOUN
fsr-3450	65	8	of	of	ADP
fsr-3450	65	9	households	household	NOUN
fsr-3450	65	10	’	'	PUNCT
fsr-3450	65	11	balance	balance	NOUN
fsr-3450	65	12	sheets	sheet	NOUN
fsr-3450	65	13	to	to	PART
fsr-3450	65	14	investigate	investigate	VERB
fsr-3450	65	15	the	the	DET
fsr-3450	65	16	prevalence	prevalence	NOUN
fsr-3450	65	17	of	of	ADP
fsr-3450	65	18	different	different	ADJ
fsr-3450	65	19	types	type	NOUN
fsr-3450	65	20	of	of	ADP
fsr-3450	65	21	consumer	consumer	NOUN
fsr-3450	65	22	debts	debt	NOUN
fsr-3450	65	23	and	and	CCONJ
fsr-3450	65	24	the	the	DET
fsr-3450	65	25	interest	interest	NOUN
fsr-3450	65	26	rates	rate	NOUN
fsr-3450	65	27	associated	associate	VERB
fsr-3450	65	28	with	with	ADP
fsr-3450	65	29	them	they	PRON
fsr-3450	65	30	.	.	PUNCT
fsr-3450	66	1	third	third	ADV
fsr-3450	66	2	,	,	PUNCT
fsr-3450	66	3	we	we	PRON
fsr-3450	66	4	analyze	analyze	VERB
fsr-3450	66	5	a	a	DET
fsr-3450	66	6	number	number	NOUN
fsr-3450	66	7	of	of	ADP
fsr-3450	66	8	economic	economic	ADJ
fsr-3450	66	9	and	and	CCONJ
fsr-3450	66	10	demographic	demographic	ADJ
fsr-3450	66	11	factors	factor	NOUN
fsr-3450	66	12	that	that	PRON
fsr-3450	66	13	are	be	AUX
fsr-3450	66	14	associated	associate	VERB
fsr-3450	66	15	with	with	ADP
fsr-3450	66	16	household	household	NOUN
fsr-3450	66	17	debts	debt	NOUN
fsr-3450	66	18	.	.	PUNCT
fsr-3450	67	1	after	after	ADP
fsr-3450	67	2	exploring	explore	VERB
fsr-3450	67	3	the	the	DET
fsr-3450	67	4	attributes	attribute	NOUN
fsr-3450	67	5	that	that	PRON
fsr-3450	67	6	potentially	potentially	ADV
fsr-3450	67	7	relate	relate	VERB
fsr-3450	67	8	to	to	ADP
fsr-3450	67	9	the	the	DET
fsr-3450	67	10	households	household	NOUN
fsr-3450	67	11	carrying	carry	VERB
fsr-3450	67	12	bad	bad	ADJ
fsr-3450	67	13	debts	debt	NOUN
fsr-3450	67	14	,	,	PUNCT
fsr-3450	67	15	we	we	PRON
fsr-3450	67	16	then	then	ADV
fsr-3450	67	17	identify	identify	VERB
fsr-3450	67	18	the	the	DET
fsr-3450	67	19	characteristics	characteristic	NOUN
fsr-3450	67	20	of	of	ADP
fsr-3450	67	21	households	household	NOUN
fsr-3450	67	22	that	that	PRON
fsr-3450	67	23	have	have	VERB
fsr-3450	67	24	higher	high	ADJ
fsr-3450	67	25	average	average	ADJ
fsr-3450	67	26	debt	debt	NOUN
fsr-3450	67	27	interest	interest	NOUN
fsr-3450	67	28	rates	rate	NOUN
fsr-3450	67	29	.	.	PUNCT
fsr-3450	68	1	finally	finally	ADV
fsr-3450	68	2	,	,	PUNCT
fsr-3450	68	3	we	we	PRON
fsr-3450	68	4	demonstrate	demonstrate	VERB
fsr-3450	68	5	the	the	DET
fsr-3450	68	6	impact	impact	NOUN
fsr-3450	68	7	of	of	ADP
fsr-3450	68	8	liability	liability	NOUN
fsr-3450	68	9	management	management	NOUN
fsr-3450	68	10	in	in	ADP
fsr-3450	68	11	terms	term	NOUN
fsr-3450	68	12	of	of	ADP
fsr-3450	68	13	investment	investment	NOUN
fsr-3450	68	14	alpha	alpha	NOUN
fsr-3450	68	15	-	-	PUNCT
fsr-3450	68	16	equivalent	equivalent	ADJ
fsr-3450	68	17	(	(	PUNCT
fsr-3450	68	18	“	"	PUNCT
fsr-3450	68	19	excess	excess	ADJ
fsr-3450	68	20	investment	investment	NOUN
fsr-3450	68	21	return”-equivalent	return”-equivalent	NOUN
fsr-3450	68	22	)	)	PUNCT
fsr-3450	68	23	analysis	analysis	NOUN
fsr-3450	68	24	and	and	CCONJ
fsr-3450	68	25	the	the	DET
fsr-3450	68	26	potential	potential	ADJ
fsr-3450	68	27	dollar	dollar	NOUN
fsr-3450	68	28	amount	amount	NOUN
fsr-3450	68	29	that	that	PRON
fsr-3450	68	30	can	can	AUX
fsr-3450	68	31	be	be	AUX
fsr-3450	68	32	saved	save	VERB
fsr-3450	68	33	through	through	ADP
fsr-3450	68	34	interest	interest	NOUN
fsr-3450	68	35	rate	rate	NOUN
fsr-3450	68	36	reduction	reduction	NOUN
fsr-3450	68	37	relative	relative	ADJ
fsr-3450	68	38	to	to	ADP
fsr-3450	68	39	financial	financial	ADJ
fsr-3450	68	40	asset	asset	NOUN
fsr-3450	68	41	considerations	consideration	NOUN
fsr-3450	68	42	.	.	PUNCT
fsr-3450	69	1	124	124	NUM
fsr-3450	69	2	z.	z.	PROPN
fsr-3450	69	3	liu	liu	PROPN
fsr-3450	69	4	and	and	CCONJ
fsr-3450	69	5	d.	d.	PROPN
fsr-3450	69	6	m.	m.	PROPN
fsr-3450	69	7	blanchett	blanchett	PROPN
fsr-3450	69	8	/	/	SYM
fsr-3450	69	9	financial	financial	ADJ
fsr-3450	69	10	services	service	NOUN
fsr-3450	69	11	review	review	VERB
fsr-3450	69	12	29	29	NUM
fsr-3450	69	13	(	(	PUNCT
fsr-3450	69	14	2021	2021	NUM
fsr-3450	69	15	)	)	PUNCT
fsr-3450	70	1	121–145	121–145	NUM
fsr-3450	70	2	3	3	NUM
fsr-3450	70	3	.	.	PUNCT
fsr-3450	70	4	theory	theory	NOUN
fsr-3450	70	5	the	the	DET
fsr-3450	70	6	household	household	NOUN
fsr-3450	70	7	consumption	consumption	NOUN
fsr-3450	70	8	decision	decision	NOUN
fsr-3450	70	9	involves	involve	VERB
fsr-3450	70	10	a	a	DET
fsr-3450	70	11	trade	trade	NOUN
fsr-3450	70	12	-	-	PUNCT
fsr-3450	70	13	off	off	NOUN
fsr-3450	70	14	between	between	ADP
fsr-3450	70	15	consuming	consume	VERB
fsr-3450	70	16	more	more	ADJ
fsr-3450	70	17	today	today	NOUN
fsr-3450	70	18	(	(	PUNCT
fsr-3450	70	19	borrowing	borrowing	NOUN
fsr-3450	70	20	)	)	PUNCT
fsr-3450	70	21	and	and	CCONJ
fsr-3450	70	22	consuming	consume	VERB
fsr-3450	70	23	more	more	ADV
fsr-3450	70	24	in	in	ADP
fsr-3450	70	25	the	the	DET
fsr-3450	70	26	future	future	NOUN
fsr-3450	70	27	(	(	PUNCT
fsr-3450	70	28	saving	saving	NOUN
fsr-3450	70	29	)	)	PUNCT
fsr-3450	70	30	.	.	PUNCT
fsr-3450	71	1	the	the	DET
fsr-3450	71	2	borrowing	borrowing	NOUN
fsr-3450	71	3	and	and	CCONJ
fsr-3450	71	4	saving	save	VERB
fsr-3450	71	5	behavior	behavior	NOUN
fsr-3450	71	6	of	of	ADP
fsr-3450	71	7	households	household	NOUN
fsr-3450	71	8	is	be	AUX
fsr-3450	71	9	largely	largely	ADV
fsr-3450	71	10	driven	drive	VERB
fsr-3450	71	11	by	by	ADP
fsr-3450	71	12	their	their	PRON
fsr-3450	71	13	intertemporal	intertemporal	ADJ
fsr-3450	71	14	consumption	consumption	NOUN
fsr-3450	71	15	choices	choice	NOUN
fsr-3450	71	16	,	,	PUNCT
fsr-3450	71	17	affected	affect	VERB
fsr-3450	71	18	by	by	ADP
fsr-3450	71	19	their	their	PRON
fsr-3450	71	20	time	time	NOUN
fsr-3450	71	21	-	-	PUNCT
fsr-3450	71	22	discounting	discount	VERB
fsr-3450	71	23	preference	preference	NOUN
fsr-3450	71	24	,	,	PUNCT
fsr-3450	71	25	investment	investment	NOUN
fsr-3450	71	26	interest	interest	NOUN
fsr-3450	71	27	rates	rate	NOUN
fsr-3450	71	28	,	,	PUNCT
fsr-3450	71	29	and	and	CCONJ
fsr-3450	71	30	other	other	ADJ
fsr-3450	71	31	factors	factor	NOUN
fsr-3450	71	32	.	.	PUNCT
fsr-3450	72	1	fig	fig	NOUN
fsr-3450	72	2	.	.	PUNCT
fsr-3450	73	1	2	2	X
fsr-3450	73	2	.	.	PUNCT
fsr-3450	73	3	mean	mean	ADJ
fsr-3450	73	4	value	value	NOUN
fsr-3450	73	5	of	of	ADP
fsr-3450	73	6	debt	debt	NOUN
fsr-3450	73	7	for	for	ADP
fsr-3450	73	8	u.s	u.s	PROPN
fsr-3450	73	9	.	.	PROPN
fsr-3450	73	10	families	family	NOUN
fsr-3450	73	11	with	with	ADP
fsr-3450	73	12	debt	debt	NOUN
fsr-3450	73	13	holdings	holding	NOUN
fsr-3450	73	14	.	.	PUNCT
fsr-3450	74	1	source	source	NOUN
fsr-3450	74	2	:	:	PUNCT
fsr-3450	74	3	federal	federal	PROPN
fsr-3450	74	4	reserve	reserve	PROPN
fsr-3450	74	5	board	board	PROPN
fsr-3450	74	6	survey	survey	NOUN
fsr-3450	74	7	of	of	ADP
fsr-3450	74	8	consumer	consumer	NOUN
fsr-3450	74	9	finances	finance	NOUN
fsr-3450	74	10	(	(	PUNCT
fsr-3450	74	11	scf	scf	PROPN
fsr-3450	74	12	)	)	PUNCT
fsr-3450	74	13	bulletin	bulletin	NOUN
fsr-3450	74	14	2017	2017	NUM
fsr-3450	74	15	.	.	PUNCT
fsr-3450	75	1	notes	note	NOUN
fsr-3450	75	2	:	:	PUNCT
fsr-3450	75	3	all	all	DET
fsr-3450	75	4	respondents	respondent	NOUN
fsr-3450	75	5	in	in	ADP
fsr-3450	75	6	the	the	DET
fsr-3450	75	7	2016	2016	NUM
fsr-3450	75	8	scf	scf	PROPN
fsr-3450	75	9	data	datum	NOUN
fsr-3450	75	10	are	be	AUX
fsr-3450	75	11	included	include	VERB
fsr-3450	75	12	in	in	ADP
fsr-3450	75	13	this	this	DET
fsr-3450	75	14	graph	graph	NOUN
fsr-3450	75	15	.	.	PUNCT
fsr-3450	76	1	the	the	DET
fsr-3450	76	2	age	age	NOUN
fsr-3450	76	3	of	of	ADP
fsr-3450	76	4	the	the	DET
fsr-3450	76	5	household	household	NOUN
fsr-3450	76	6	is	be	AUX
fsr-3450	76	7	represented	represent	VERB
fsr-3450	76	8	by	by	ADP
fsr-3450	76	9	the	the	DET
fsr-3450	76	10	age	age	NOUN
fsr-3450	76	11	of	of	ADP
fsr-3450	76	12	the	the	DET
fsr-3450	76	13	household	household	NOUN
fsr-3450	76	14	head	head	NOUN
fsr-3450	76	15	.	.	PUNCT
fsr-3450	77	1	fig	fig	NOUN
fsr-3450	77	2	.	.	PUNCT
fsr-3450	78	1	3	3	X
fsr-3450	78	2	.	.	X
fsr-3450	78	3	probability	probability	NOUN
fsr-3450	78	4	of	of	ADP
fsr-3450	78	5	a	a	DET
fsr-3450	78	6	household	household	NOUN
fsr-3450	78	7	having	have	VERB
fsr-3450	78	8	debt	debt	NOUN
fsr-3450	78	9	.	.	PUNCT
fsr-3450	79	1	source	source	NOUN
fsr-3450	79	2	:	:	PUNCT
fsr-3450	79	3	federal	federal	PROPN
fsr-3450	79	4	reserve	reserve	PROPN
fsr-3450	79	5	board	board	PROPN
fsr-3450	79	6	survey	survey	NOUN
fsr-3450	79	7	of	of	ADP
fsr-3450	79	8	consumer	consumer	NOUN
fsr-3450	79	9	finances	finance	NOUN
fsr-3450	79	10	2016	2016	NUM
fsr-3450	79	11	survey	survey	NOUN
fsr-3450	79	12	wave	wave	NOUN
fsr-3450	79	13	.	.	PUNCT
fsr-3450	80	1	notes	note	NOUN
fsr-3450	80	2	:	:	PUNCT
fsr-3450	80	3	weights	weight	NOUN
fsr-3450	80	4	applied	apply	VERB
fsr-3450	80	5	.	.	PUNCT
fsr-3450	81	1	other	other	ADJ
fsr-3450	81	2	consumer	consumer	NOUN
fsr-3450	81	3	loans	loan	NOUN
fsr-3450	81	4	include	include	VERB
fsr-3450	81	5	loans	loan	NOUN
fsr-3450	81	6	for	for	ADP
fsr-3450	81	7	household	household	NOUN
fsr-3450	81	8	appliances	appliance	NOUN
fsr-3450	81	9	,	,	PUNCT
fsr-3450	81	10	furniture	furniture	NOUN
fsr-3450	81	11	,	,	PUNCT
fsr-3450	81	12	hobby	hobby	ADJ
fsr-3450	81	13	or	or	CCONJ
fsr-3450	81	14	recreational	recreational	ADJ
fsr-3450	81	15	equipment	equipment	NOUN
fsr-3450	81	16	,	,	PUNCT
fsr-3450	81	17	medical	medical	ADJ
fsr-3450	81	18	bills	bill	NOUN
fsr-3450	81	19	,	,	PUNCT
fsr-3450	81	20	friends	friend	NOUN
fsr-3450	81	21	or	or	CCONJ
fsr-3450	81	22	relatives	relative	NOUN
fsr-3450	81	23	,	,	PUNCT
fsr-3450	81	24	etc	etc	X
fsr-3450	81	25	.	.	X
fsr-3450	82	1	this	this	DET
fsr-3450	82	2	category	category	NOUN
fsr-3450	82	3	does	do	AUX
fsr-3450	82	4	not	not	PART
fsr-3450	82	5	include	include	VERB
fsr-3450	82	6	credit	credit	NOUN
fsr-3450	82	7	cards	card	NOUN
fsr-3450	82	8	,	,	PUNCT
fsr-3450	82	9	margin	margin	NOUN
fsr-3450	82	10	loans	loan	NOUN
fsr-3450	82	11	,	,	PUNCT
fsr-3450	82	12	or	or	CCONJ
fsr-3450	82	13	loans	loan	NOUN
fsr-3450	82	14	against	against	ADP
fsr-3450	82	15	life	life	NOUN
fsr-3450	82	16	insurance	insurance	NOUN
fsr-3450	82	17	or	or	CCONJ
fsr-3450	82	18	pensions	pension	NOUN
fsr-3450	82	19	.	.	PUNCT
fsr-3450	83	1	z.	z.	PROPN
fsr-3450	83	2	liu	liu	PROPN
fsr-3450	83	3	and	and	CCONJ
fsr-3450	83	4	d.	d.	PROPN
fsr-3450	83	5	m.	m.	PROPN
fsr-3450	83	6	blanchett	blanchett	PROPN
fsr-3450	83	7	/	/	SYM
fsr-3450	83	8	financial	financial	ADJ
fsr-3450	83	9	services	service	NOUN
fsr-3450	83	10	review	review	VERB
fsr-3450	83	11	29	29	NUM
fsr-3450	83	12	(	(	PUNCT
fsr-3450	83	13	2021	2021	NUM
fsr-3450	83	14	)	)	PUNCT
fsr-3450	84	1	121–145	121–145	NUM
fsr-3450	84	2	125	125	NUM
fsr-3450	84	3	to	to	PART
fsr-3450	84	4	better	well	ADV
fsr-3450	84	5	analyze	analyze	VERB
fsr-3450	84	6	the	the	DET
fsr-3450	84	7	liability	liability	NOUN
fsr-3450	84	8	management	management	NOUN
fsr-3450	84	9	of	of	ADP
fsr-3450	84	10	u.s	u.s	PROPN
fsr-3450	84	11	.	.	PROPN
fsr-3450	84	12	households	household	NOUN
fsr-3450	84	13	,	,	PUNCT
fsr-3450	84	14	we	we	PRON
fsr-3450	84	15	structure	structure	VERB
fsr-3450	84	16	our	our	PRON
fsr-3450	84	17	theoretical	theoretical	ADJ
fsr-3450	84	18	framework	framework	NOUN
fsr-3450	84	19	according	accord	VERB
fsr-3450	84	20	to	to	ADP
fsr-3450	84	21	the	the	DET
fsr-3450	84	22	life	life	NOUN
fsr-3450	84	23	-	-	PUNCT
fsr-3450	84	24	cycle	cycle	NOUN
fsr-3450	84	25	hypothesis	hypothesis	NOUN
fsr-3450	84	26	(	(	PUNCT
fsr-3450	84	27	jappelli	jappelli	PROPN
fsr-3450	84	28	&	&	CCONJ
fsr-3450	84	29	pagano	pagano	PROPN
fsr-3450	84	30	1989	1989	NUM
fsr-3450	84	31	;	;	PUNCT
fsr-3450	84	32	modigliani	modigliani	PROPN
fsr-3450	84	33	1986	1986	NUM
fsr-3450	84	34	)	)	PUNCT
fsr-3450	84	35	,	,	PUNCT
fsr-3450	84	36	which	which	PRON
fsr-3450	84	37	holds	hold	VERB
fsr-3450	84	38	that	that	SCONJ
fsr-3450	84	39	a	a	DET
fsr-3450	84	40	household	household	NOUN
fsr-3450	84	41	chooses	choose	VERB
fsr-3450	84	42	a	a	DET
fsr-3450	84	43	consumption	consumption	NOUN
fsr-3450	84	44	path	path	NOUN
fsr-3450	84	45	to	to	PART
fsr-3450	84	46	maximize	maximize	VERB
fsr-3450	84	47	its	its	PRON
fsr-3450	84	48	lifetime	lifetime	NOUN
fsr-3450	84	49	utility	utility	NOUN
fsr-3450	84	50	fig	fig	NOUN
fsr-3450	84	51	.	.	PUNCT
fsr-3450	85	1	4	4	X
fsr-3450	85	2	.	.	X
fsr-3450	85	3	distribution	distribution	NOUN
fsr-3450	85	4	of	of	ADP
fsr-3450	85	5	household	household	NOUN
fsr-3450	85	6	loan	loan	NOUN
fsr-3450	85	7	interest	interest	NOUN
fsr-3450	85	8	rates	rate	NOUN
fsr-3450	85	9	.	.	PUNCT
fsr-3450	86	1	source	source	NOUN
fsr-3450	86	2	:	:	PUNCT
fsr-3450	86	3	federal	federal	PROPN
fsr-3450	86	4	reserve	reserve	PROPN
fsr-3450	86	5	board	board	PROPN
fsr-3450	86	6	survey	survey	NOUN
fsr-3450	86	7	of	of	ADP
fsr-3450	86	8	consumer	consumer	NOUN
fsr-3450	86	9	finances	finance	NOUN
fsr-3450	86	10	2016	2016	NUM
fsr-3450	86	11	survey	survey	NOUN
fsr-3450	86	12	wave	wave	NOUN
fsr-3450	86	13	.	.	PUNCT
fsr-3450	87	1	notes	note	NOUN
fsr-3450	87	2	:	:	PUNCT
fsr-3450	87	3	weights	weight	NOUN
fsr-3450	87	4	applied	apply	VERB
fsr-3450	87	5	.	.	PUNCT
fsr-3450	88	1	this	this	DET
fsr-3450	88	2	figure	figure	NOUN
fsr-3450	88	3	shows	show	VERB
fsr-3450	88	4	the	the	DET
fsr-3450	88	5	percentile	percentile	ADJ
fsr-3450	88	6	distribution	distribution	NOUN
fsr-3450	88	7	of	of	ADP
fsr-3450	88	8	interest	interest	NOUN
fsr-3450	88	9	rates	rate	NOUN
fsr-3450	88	10	across	across	ADP
fsr-3450	88	11	different	different	ADJ
fsr-3450	88	12	types	type	NOUN
fsr-3450	88	13	of	of	ADP
fsr-3450	88	14	loans	loan	NOUN
fsr-3450	88	15	.	.	PUNCT
fsr-3450	89	1	other	other	ADJ
fsr-3450	89	2	consumer	consumer	NOUN
fsr-3450	89	3	loans	loan	NOUN
fsr-3450	89	4	include	include	VERB
fsr-3450	89	5	loans	loan	NOUN
fsr-3450	89	6	for	for	ADP
fsr-3450	89	7	household	household	NOUN
fsr-3450	89	8	appliances	appliance	NOUN
fsr-3450	89	9	,	,	PUNCT
fsr-3450	89	10	furniture	furniture	NOUN
fsr-3450	89	11	,	,	PUNCT
fsr-3450	89	12	hobby	hobby	ADJ
fsr-3450	89	13	or	or	CCONJ
fsr-3450	89	14	recreational	recreational	ADJ
fsr-3450	89	15	equipment	equipment	NOUN
fsr-3450	89	16	,	,	PUNCT
fsr-3450	89	17	medical	medical	ADJ
fsr-3450	89	18	bills	bill	NOUN
fsr-3450	89	19	,	,	PUNCT
fsr-3450	89	20	friends	friend	NOUN
fsr-3450	89	21	or	or	CCONJ
fsr-3450	89	22	relatives	relative	NOUN
fsr-3450	89	23	,	,	PUNCT
fsr-3450	89	24	etc	etc	X
fsr-3450	89	25	.	.	X
fsr-3450	90	1	this	this	DET
fsr-3450	90	2	category	category	NOUN
fsr-3450	90	3	does	do	AUX
fsr-3450	90	4	not	not	PART
fsr-3450	90	5	include	include	VERB
fsr-3450	90	6	credit	credit	NOUN
fsr-3450	90	7	cards	card	NOUN
fsr-3450	90	8	,	,	PUNCT
fsr-3450	90	9	margin	margin	NOUN
fsr-3450	90	10	loans	loan	NOUN
fsr-3450	90	11	,	,	PUNCT
fsr-3450	90	12	or	or	CCONJ
fsr-3450	90	13	loans	loan	NOUN
fsr-3450	90	14	against	against	ADP
fsr-3450	90	15	life	life	NOUN
fsr-3450	90	16	insurance	insurance	NOUN
fsr-3450	90	17	or	or	CCONJ
fsr-3450	90	18	pensions	pension	NOUN
fsr-3450	90	19	.	.	PUNCT
fsr-3450	91	1	fig	fig	NOUN
fsr-3450	91	2	.	.	PUNCT
fsr-3450	92	1	5	5	X
fsr-3450	92	2	.	.	X
fsr-3450	92	3	loan	loan	NOUN
fsr-3450	92	4	prevalence	prevalence	NOUN
fsr-3450	92	5	and	and	CCONJ
fsr-3450	92	6	median	median	ADJ
fsr-3450	92	7	interest	interest	NOUN
fsr-3450	92	8	rates	rate	NOUN
fsr-3450	92	9	.	.	PUNCT
fsr-3450	93	1	source	source	NOUN
fsr-3450	93	2	:	:	PUNCT
fsr-3450	93	3	federal	federal	PROPN
fsr-3450	93	4	reserve	reserve	PROPN
fsr-3450	93	5	board	board	PROPN
fsr-3450	93	6	survey	survey	NOUN
fsr-3450	93	7	of	of	ADP
fsr-3450	93	8	consumer	consumer	NOUN
fsr-3450	93	9	finances	finance	NOUN
fsr-3450	93	10	(	(	PUNCT
fsr-3450	93	11	scf	scf	PROPN
fsr-3450	93	12	)	)	PUNCT
fsr-3450	93	13	2016	2016	NUM
fsr-3450	93	14	survey	survey	NOUN
fsr-3450	93	15	wave	wave	NOUN
fsr-3450	93	16	.	.	PUNCT
fsr-3450	94	1	notes	note	NOUN
fsr-3450	94	2	:	:	PUNCT
fsr-3450	94	3	weights	weight	NOUN
fsr-3450	94	4	applied	apply	VERB
fsr-3450	94	5	.	.	PUNCT
fsr-3450	95	1	this	this	DET
fsr-3450	95	2	graph	graph	NOUN
fsr-3450	95	3	uses	use	VERB
fsr-3450	95	4	a	a	DET
fsr-3450	95	5	subsample	subsample	NOUN
fsr-3450	95	6	of	of	ADP
fsr-3450	95	7	45	45	NUM
fsr-3450	95	8	-	-	PUNCT
fsr-3450	95	9	year	year	NOUN
fsr-3450	95	10	-	-	PUNCT
fsr-3450	95	11	old	old	ADJ
fsr-3450	95	12	respondents	respondent	NOUN
fsr-3450	95	13	to	to	PART
fsr-3450	95	14	illustrate	illustrate	VERB
fsr-3450	95	15	the	the	DET
fsr-3450	95	16	prevalence	prevalence	NOUN
fsr-3450	95	17	and	and	CCONJ
fsr-3450	95	18	median	median	ADJ
fsr-3450	95	19	interest	interest	NOUN
fsr-3450	95	20	rates	rate	NOUN
fsr-3450	95	21	of	of	ADP
fsr-3450	95	22	different	different	ADJ
fsr-3450	95	23	types	type	NOUN
fsr-3450	95	24	of	of	ADP
fsr-3450	95	25	household	household	NOUN
fsr-3450	95	26	debts	debt	NOUN
fsr-3450	95	27	in	in	ADP
fsr-3450	95	28	the	the	DET
fsr-3450	95	29	scf	scf	PROPN
fsr-3450	95	30	data	datum	NOUN
fsr-3450	95	31	.	.	PUNCT
fsr-3450	96	1	126	126	NUM
fsr-3450	96	2	z.	z.	PROPN
fsr-3450	96	3	liu	liu	PROPN
fsr-3450	96	4	and	and	CCONJ
fsr-3450	96	5	d.	d.	PROPN
fsr-3450	96	6	m.	m.	PROPN
fsr-3450	96	7	blanchett	blanchett	PROPN
fsr-3450	96	8	/	/	SYM
fsr-3450	96	9	financial	financial	ADJ
fsr-3450	96	10	services	service	NOUN
fsr-3450	96	11	review	review	VERB
fsr-3450	96	12	29	29	NUM
fsr-3450	96	13	(	(	PUNCT
fsr-3450	96	14	2021	2021	NUM
fsr-3450	96	15	)	)	PUNCT
fsr-3450	97	1	121–145	121–145	NUM
fsr-3450	97	2	subject	subject	NOUN
fsr-3450	97	3	to	to	ADP
fsr-3450	97	4	an	an	DET
fsr-3450	97	5	intertemporal	intertemporal	ADJ
fsr-3450	97	6	budget	budget	NOUN
fsr-3450	97	7	constraint	constraint	NOUN
fsr-3450	97	8	.	.	PUNCT
fsr-3450	98	1	we	we	PRON
fsr-3450	98	2	start	start	VERB
fsr-3450	98	3	with	with	ADP
fsr-3450	98	4	a	a	DET
fsr-3450	98	5	simple	simple	ADJ
fsr-3450	98	6	two	two	NUM
fsr-3450	98	7	-	-	PUNCT
fsr-3450	98	8	period	period	NOUN
fsr-3450	98	9	life	life	NOUN
fsr-3450	98	10	-	-	PUNCT
fsr-3450	98	11	cycle	cycle	NOUN
fsr-3450	98	12	model	model	NOUN
fsr-3450	98	13	to	to	PART
fsr-3450	98	14	understand	understand	VERB
fsr-3450	98	15	the	the	DET
fsr-3450	98	16	dynamic	dynamic	ADJ
fsr-3450	98	17	intertemporal	intertemporal	ADJ
fsr-3450	98	18	choice	choice	NOUN
fsr-3450	98	19	issue	issue	NOUN
fsr-3450	98	20	.	.	PUNCT
fsr-3450	99	1	then	then	ADV
fsr-3450	99	2	we	we	PRON
fsr-3450	99	3	generalize	generalize	VERB
fsr-3450	99	4	this	this	DET
fsr-3450	99	5	model	model	NOUN
fsr-3450	99	6	to	to	ADP
fsr-3450	99	7	multiple	multiple	ADJ
fsr-3450	99	8	periods	period	NOUN
fsr-3450	99	9	to	to	PART
fsr-3450	99	10	capture	capture	VERB
fsr-3450	99	11	the	the	DET
fsr-3450	99	12	households	household	NOUN
fsr-3450	99	13	’	'	PUNCT
fsr-3450	99	14	liability	liability	NOUN
fsr-3450	99	15	decisions	decision	NOUN
fsr-3450	99	16	for	for	ADP
fsr-3450	99	17	different	different	ADJ
fsr-3450	99	18	life	life	NOUN
fsr-3450	99	19	stages	stage	NOUN
fsr-3450	99	20	.	.	PUNCT
fsr-3450	100	1	in	in	ADP
fsr-3450	100	2	the	the	DET
fsr-3450	100	3	two	two	NUM
fsr-3450	100	4	-	-	PUNCT
fsr-3450	100	5	period	period	NOUN
fsr-3450	100	6	model	model	NOUN
fsr-3450	100	7	,	,	PUNCT
fsr-3450	100	8	a	a	DET
fsr-3450	100	9	household	household	NOUN
fsr-3450	100	10	maximizes	maximize	VERB
fsr-3450	100	11	its	its	PRON
fsr-3450	100	12	utility	utility	NOUN
fsr-3450	100	13	described	describe	VERB
fsr-3450	100	14	as	as	ADP
fsr-3450	100	15	following	follow	VERB
fsr-3450	100	16	:	:	PUNCT
fsr-3450	100	17	u	u	PROPN
fsr-3450	100	18	c1	c1	NOUN
fsr-3450	100	19	,	,	PUNCT
fsr-3450	100	20	c2ð	c2ð	PROPN
fsr-3450	100	21	þ	þ	PROPN
fsr-3450	100	22	¼	¼	NOUN
fsr-3450	100	23	u	u	NOUN
fsr-3450	100	24	c1ð	c1ð	PROPN
fsr-3450	100	25	þ	þ	PROPN
fsr-3450	100	26	þ	þ	PROPN
fsr-3450	101	1	d	d	X
fsr-3450	101	2	u	u	PROPN
fsr-3450	101	3	c2ð	c2ð	PROPN
fsr-3450	101	4	þ	þ	PROPN
fsr-3450	101	5	(	(	PUNCT
fsr-3450	101	6	1	1	NUM
fsr-3450	101	7	)	)	PUNCT
fsr-3450	101	8	where	where	SCONJ
fsr-3450	101	9	c1	c1	PROPN
fsr-3450	101	10	and	and	CCONJ
fsr-3450	101	11	c2	c2	PROPN
fsr-3450	101	12	are	be	AUX
fsr-3450	101	13	consumptions	consumption	NOUN
fsr-3450	101	14	in	in	ADP
fsr-3450	101	15	periods	period	NOUN
fsr-3450	101	16	1	1	NUM
fsr-3450	101	17	and	and	CCONJ
fsr-3450	101	18	2	2	NUM
fsr-3450	101	19	,	,	PUNCT
fsr-3450	101	20	respectively.5	respectively.5	PROPN
fsr-3450	101	21	d	d	NOUN
fsr-3450	101	22	is	be	AUX
fsr-3450	101	23	the	the	DET
fsr-3450	101	24	discount	discount	NOUN
fsr-3450	101	25	factor	factor	NOUN
fsr-3450	101	26	that	that	PRON
fsr-3450	101	27	depicts	depict	VERB
fsr-3450	101	28	the	the	DET
fsr-3450	101	29	household	household	NOUN
fsr-3450	101	30	’s	’s	PART
fsr-3450	101	31	time	time	NOUN
fsr-3450	101	32	preference	preference	NOUN
fsr-3450	101	33	.	.	PUNCT
fsr-3450	102	1	the	the	DET
fsr-3450	102	2	assumption	assumption	NOUN
fsr-3450	102	3	of	of	ADP
fsr-3450	102	4	0	0	NUM
fsr-3450	102	5	<	<	X
fsr-3450	102	6	d	d	X
fsr-3450	102	7	<	<	X
fsr-3450	102	8	1	1	NUM
fsr-3450	102	9	illustrates	illustrate	VERB
fsr-3450	102	10	the	the	DET
fsr-3450	102	11	tendency	tendency	NOUN
fsr-3450	102	12	that	that	SCONJ
fsr-3450	102	13	present	present	ADJ
fsr-3450	102	14	consumption	consumption	NOUN
fsr-3450	102	15	is	be	AUX
fsr-3450	102	16	always	always	ADV
fsr-3450	102	17	more	more	ADV
fsr-3450	102	18	preferable	preferable	ADJ
fsr-3450	102	19	than	than	ADP
fsr-3450	102	20	future	future	ADJ
fsr-3450	102	21	consumption	consumption	NOUN
fsr-3450	102	22	.	.	PUNCT
fsr-3450	103	1	d	d	X
fsr-3450	103	2	is	be	AUX
fsr-3450	103	3	more	more	ADV
fsr-3450	103	4	close	close	ADJ
fsr-3450	103	5	to	to	ADP
fsr-3450	103	6	0	0	NUM
fsr-3450	103	7	when	when	SCONJ
fsr-3450	103	8	the	the	DET
fsr-3450	103	9	household	household	NOUN
fsr-3450	103	10	is	be	AUX
fsr-3450	103	11	more	more	ADV
fsr-3450	103	12	future	future	ADJ
fsr-3450	103	13	-	-	PUNCT
fsr-3450	103	14	discounting	discount	VERB
fsr-3450	103	15	.	.	PUNCT
fsr-3450	104	1	if	if	SCONJ
fsr-3450	104	2	d	d	NOUN
fsr-3450	104	3	is	be	AUX
fsr-3450	104	4	close	close	ADJ
fsr-3450	104	5	to	to	ADP
fsr-3450	104	6	1	1	NUM
fsr-3450	104	7	,	,	PUNCT
fsr-3450	104	8	the	the	DET
fsr-3450	104	9	household	household	NOUN
fsr-3450	104	10	has	have	VERB
fsr-3450	104	11	no	no	DET
fsr-3450	104	12	preference	preference	NOUN
fsr-3450	104	13	between	between	ADP
fsr-3450	104	14	present	present	ADJ
fsr-3450	104	15	and	and	CCONJ
fsr-3450	104	16	future	future	ADJ
fsr-3450	104	17	consumptions	consumption	NOUN
fsr-3450	104	18	.	.	PUNCT
fsr-3450	105	1	the	the	DET
fsr-3450	105	2	two	two	NUM
fsr-3450	105	3	-	-	PUNCT
fsr-3450	105	4	period	period	NOUN
fsr-3450	105	5	budget	budget	NOUN
fsr-3450	105	6	constraint	constraint	NOUN
fsr-3450	105	7	that	that	PRON
fsr-3450	105	8	the	the	DET
fsr-3450	105	9	household	household	NOUN
fsr-3450	105	10	faces	face	NOUN
fsr-3450	105	11	can	can	AUX
fsr-3450	105	12	be	be	AUX
fsr-3450	105	13	represented	represent	VERB
fsr-3450	105	14	by	by	ADP
fsr-3450	105	15	the	the	DET
fsr-3450	105	16	following	follow	VERB
fsr-3450	105	17	inequalities	inequality	NOUN
fsr-3450	105	18	:	:	PUNCT
fsr-3450	105	19	c1	c1	PROPN
fsr-3450	105	20	þ	þ	PROPN
fsr-3450	105	21	s≤	s≤	PROPN
fsr-3450	105	22	y1	y1	PROPN
fsr-3450	105	23	(	(	PUNCT
fsr-3450	105	24	2	2	X
fsr-3450	105	25	)	)	PUNCT
fsr-3450	105	26	c2	c2	PROPN
fsr-3450	105	27	≤	≤	NUM
fsr-3450	105	28	1	1	NUM
fsr-3450	105	29	þ	þ	NOUN
fsr-3450	105	30	rð	rð	PROPN
fsr-3450	105	31	þ	þ	PROPN
fsr-3450	105	32	s	s	PROPN
fsr-3450	105	33	þ	þ	NOUN
fsr-3450	105	34	y2	y2	PROPN
fsr-3450	105	35	(	(	PUNCT
fsr-3450	105	36	3	3	NUM
fsr-3450	105	37	)	)	PUNCT
fsr-3450	105	38	where	where	SCONJ
fsr-3450	105	39	y1	y1	NOUN
fsr-3450	105	40	and	and	CCONJ
fsr-3450	105	41	y2	y2	NOUN
fsr-3450	105	42	are	be	AUX
fsr-3450	105	43	the	the	DET
fsr-3450	105	44	income	income	NOUN
fsr-3450	105	45	of	of	ADP
fsr-3450	105	46	the	the	DET
fsr-3450	105	47	household	household	NOUN
fsr-3450	105	48	for	for	ADP
fsr-3450	105	49	period	period	NOUN
fsr-3450	105	50	1	1	NUM
fsr-3450	105	51	and	and	CCONJ
fsr-3450	105	52	period	period	NOUN
fsr-3450	105	53	2	2	NUM
fsr-3450	105	54	,	,	PUNCT
fsr-3450	105	55	respectively	respectively	ADV
fsr-3450	105	56	.	.	PUNCT
fsr-3450	106	1	the	the	DET
fsr-3450	106	2	borrowing	borrowing	NOUN
fsr-3450	106	3	/	/	SYM
fsr-3450	106	4	saving	save	VERB
fsr-3450	106	5	factor	factor	NOUN
fsr-3450	106	6	is	be	AUX
fsr-3450	106	7	symbolized	symbolize	VERB
fsr-3450	106	8	by	by	ADP
fsr-3450	106	9	s.	s.	PROPN
fsr-3450	106	10	if	if	SCONJ
fsr-3450	106	11	s	s	VERB
fsr-3450	106	12	>	>	X
fsr-3450	106	13	0	0	PROPN
fsr-3450	106	14	,	,	PUNCT
fsr-3450	106	15	then	then	ADV
fsr-3450	106	16	the	the	DET
fsr-3450	106	17	household	household	NOUN
fsr-3450	106	18	saves	save	VERB
fsr-3450	106	19	in	in	ADP
fsr-3450	106	20	period	period	NOUN
fsr-3450	106	21	1	1	NUM
fsr-3450	106	22	.	.	PUNCT
fsr-3450	107	1	if	if	SCONJ
fsr-3450	107	2	s	s	VERB
fsr-3450	107	3	<	<	X
fsr-3450	107	4	0	0	NUM
fsr-3450	107	5	,	,	PUNCT
fsr-3450	107	6	then	then	ADV
fsr-3450	107	7	this	this	DET
fsr-3450	107	8	household	household	NOUN
fsr-3450	107	9	borrows	borrow	VERB
fsr-3450	107	10	in	in	ADP
fsr-3450	107	11	period	period	NOUN
fsr-3450	107	12	1	1	NUM
fsr-3450	107	13	;	;	PUNCT
fsr-3450	107	14	thereby	thereby	ADV
fsr-3450	107	15	,	,	PUNCT
fsr-3450	107	16	forfeiting	forfeit	VERB
fsr-3450	107	17	investment	investment	NOUN
fsr-3450	107	18	opportunities	opportunity	NOUN
fsr-3450	107	19	and	and	CCONJ
fsr-3450	107	20	reducing	reduce	VERB
fsr-3450	107	21	the	the	DET
fsr-3450	107	22	consumption	consumption	NOUN
fsr-3450	107	23	in	in	ADP
fsr-3450	107	24	period	period	NOUN
fsr-3450	107	25	2	2	NUM
fsr-3450	107	26	.	.	PUNCT
fsr-3450	108	1	r	r	NOUN
fsr-3450	108	2	represents	represent	VERB
fsr-3450	108	3	the	the	DET
fsr-3450	108	4	prevailing	prevail	VERB
fsr-3450	108	5	interest	interest	NOUN
fsr-3450	108	6	rate	rate	NOUN
fsr-3450	108	7	in	in	ADP
fsr-3450	108	8	the	the	DET
fsr-3450	108	9	financial	financial	ADJ
fsr-3450	108	10	markets	market	NOUN
fsr-3450	108	11	.	.	PUNCT
fsr-3450	109	1	if	if	SCONJ
fsr-3450	109	2	s	s	VERB
fsr-3450	109	3	>	>	X
fsr-3450	109	4	0	0	PROPN
fsr-3450	109	5	,	,	PUNCT
fsr-3450	109	6	then	then	ADV
fsr-3450	109	7	r	r	NOUN
fsr-3450	109	8	stands	stand	VERB
fsr-3450	109	9	for	for	ADP
fsr-3450	109	10	the	the	DET
fsr-3450	109	11	investment	investment	NOUN
fsr-3450	109	12	return	return	NOUN
fsr-3450	109	13	from	from	ADP
fsr-3450	109	14	savings	saving	NOUN
fsr-3450	109	15	.	.	PUNCT
fsr-3450	110	1	if	if	SCONJ
fsr-3450	110	2	s	s	VERB
fsr-3450	110	3	<	<	X
fsr-3450	110	4	0	0	NUM
fsr-3450	110	5	,	,	PUNCT
fsr-3450	110	6	then	then	ADV
fsr-3450	110	7	r	r	NOUN
fsr-3450	110	8	can	can	AUX
fsr-3450	110	9	represent	represent	VERB
fsr-3450	110	10	the	the	DET
fsr-3450	110	11	interest	interest	NOUN
fsr-3450	110	12	charged	charge	VERB
fsr-3450	110	13	for	for	ADP
fsr-3450	110	14	the	the	DET
fsr-3450	110	15	debt	debt	NOUN
fsr-3450	110	16	the	the	DET
fsr-3450	110	17	household	household	NOUN
fsr-3450	110	18	borrows	borrow	VERB
fsr-3450	110	19	during	during	ADP
fsr-3450	110	20	period	period	NOUN
fsr-3450	110	21	1	1	NUM
fsr-3450	110	22	.	.	PUNCT
fsr-3450	110	23	substituting	substitute	VERB
fsr-3450	110	24	out	out	ADP
fsr-3450	110	25	the	the	DET
fsr-3450	110	26	borrowing	borrowing	NOUN
fsr-3450	110	27	/	/	SYM
fsr-3450	110	28	saving	save	VERB
fsr-3450	110	29	factor	factor	NOUN
fsr-3450	110	30	s	s	PART
fsr-3450	110	31	,	,	PUNCT
fsr-3450	110	32	we	we	PRON
fsr-3450	110	33	obtain	obtain	VERB
fsr-3450	110	34	the	the	DET
fsr-3450	110	35	“	"	PUNCT
fsr-3450	110	36	lifetime	lifetime	NOUN
fsr-3450	110	37	budget	budget	NOUN
fsr-3450	110	38	constraint	constraint	NOUN
fsr-3450	110	39	.	.	PUNCT
fsr-3450	110	40	”	"	PUNCT
fsr-3450	111	1	this	this	DET
fsr-3450	111	2	constraint	constraint	NOUN
fsr-3450	111	3	represents	represent	VERB
fsr-3450	111	4	the	the	DET
fsr-3450	111	5	fact	fact	NOUN
fsr-3450	111	6	that	that	SCONJ
fsr-3450	111	7	the	the	DET
fsr-3450	111	8	discounted	discount	VERB
fsr-3450	111	9	present	present	ADJ
fsr-3450	111	10	value	value	NOUN
fsr-3450	111	11	of	of	ADP
fsr-3450	111	12	all	all	DET
fsr-3450	111	13	periods	period	NOUN
fsr-3450	111	14	’	'	PUNCT
fsr-3450	111	15	consumption	consumption	NOUN
fsr-3450	111	16	must	must	AUX
fsr-3450	111	17	be	be	AUX
fsr-3450	111	18	less	less	ADJ
fsr-3450	111	19	than	than	ADP
fsr-3450	111	20	or	or	CCONJ
fsr-3450	111	21	equal	equal	ADJ
fsr-3450	111	22	to	to	ADP
fsr-3450	111	23	the	the	DET
fsr-3450	111	24	discounted	discount	VERB
fsr-3450	111	25	present	present	ADJ
fsr-3450	111	26	value	value	NOUN
fsr-3450	111	27	of	of	ADP
fsr-3450	111	28	lifetime	lifetime	NOUN
fsr-3450	111	29	income	income	NOUN
fsr-3450	111	30	:	:	PUNCT
fsr-3450	111	31	c1	c1	PROPN
fsr-3450	111	32	þ	þ	PROPN
fsr-3450	111	33	c2	c2	PROPN
fsr-3450	111	34	1	1	NUM
fsr-3450	111	35	þ	þ	NOUN
fsr-3450	111	36	r	r	NOUN
fsr-3450	111	37	≤	≤	NUM
fsr-3450	111	38	y1	y1	NOUN
fsr-3450	111	39	þ	þ	NOUN
fsr-3450	112	1	y2	y2	NOUN
fsr-3450	113	1	1	1	NUM
fsr-3450	113	2	þ	þ	NOUN
fsr-3450	113	3	r	r	NOUN
fsr-3450	113	4	(	(	PUNCT
fsr-3450	113	5	4	4	NUM
fsr-3450	113	6	)	)	PUNCT
fsr-3450	113	7	now	now	ADV
fsr-3450	113	8	the	the	DET
fsr-3450	113	9	household	household	NOUN
fsr-3450	113	10	’s	’s	PART
fsr-3450	113	11	intertemporal	intertemporal	ADJ
fsr-3450	113	12	consumption	consumption	NOUN
fsr-3450	113	13	choice	choice	NOUN
fsr-3450	113	14	model	model	NOUN
fsr-3450	113	15	can	can	AUX
fsr-3450	113	16	be	be	AUX
fsr-3450	113	17	rewritten	rewrite	VERB
fsr-3450	113	18	as	as	ADP
fsr-3450	113	19	:	:	PUNCT
fsr-3450	113	20	max	max	PROPN
fsr-3450	113	21	c1	c1	PROPN
fsr-3450	113	22	,	,	PUNCT
fsr-3450	113	23	c2f	c2f	VERB
fsr-3450	113	24	g	g	PROPN
fsr-3450	113	25	u	u	PROPN
fsr-3450	113	26	c1	c1	PROPN
fsr-3450	113	27	,	,	PUNCT
fsr-3450	113	28	c2ð	c2ð	PROPN
fsr-3450	113	29	þ	þ	PROPN
fsr-3450	113	30	¼	¼	NOUN
fsr-3450	113	31	u	u	NOUN
fsr-3450	114	1	c1ð	c1ð	PROPN
fsr-3450	114	2	þ	þ	PROPN
fsr-3450	114	3	þ	þ	PROPN
fsr-3450	114	4	d	d	X
fsr-3450	114	5	u	u	PROPN
fsr-3450	114	6	c2ð	c2ð	PROPN
fsr-3450	114	7	þ	þ	PROPN
fsr-3450	114	8	(	(	PUNCT
fsr-3450	114	9	5	5	NUM
fsr-3450	114	10	)	)	PUNCT
fsr-3450	114	11	s	s	PART
fsr-3450	114	12	:	:	PUNCT
fsr-3450	114	13	t	t	PROPN
fsr-3450	114	14	:	:	PUNCT
fsr-3450	114	15	c1	c1	PROPN
fsr-3450	114	16	þ	þ	PROPN
fsr-3450	114	17	c2	c2	PROPN
fsr-3450	114	18	1	1	NUM
fsr-3450	114	19	þ	þ	NOUN
fsr-3450	114	20	r	r	NOUN
fsr-3450	114	21	≤	≤	NUM
fsr-3450	114	22	y1	y1	NOUN
fsr-3450	114	23	þ	þ	NOUN
fsr-3450	114	24	y2	y2	NOUN
fsr-3450	114	25	1	1	NUM
fsr-3450	114	26	þ	þ	NOUN
fsr-3450	114	27	r	r	NOUN
fsr-3450	114	28	using	use	VERB
fsr-3450	114	29	the	the	DET
fsr-3450	114	30	lagrangian	lagrangian	ADJ
fsr-3450	114	31	technique	technique	NOUN
fsr-3450	114	32	,	,	PUNCT
fsr-3450	114	33	the	the	DET
fsr-3450	114	34	solution	solution	NOUN
fsr-3450	114	35	to	to	ADP
fsr-3450	114	36	this	this	DET
fsr-3450	114	37	problem	problem	NOUN
fsr-3450	114	38	is	be	AUX
fsr-3450	114	39	:	:	PUNCT
fsr-3450	114	40	foc	foc	PROPN
fsr-3450	114	41	c1ð	c1ð	PROPN
fsr-3450	114	42	þ	þ	PROPN
fsr-3450	114	43	:	:	PUNCT
fsr-3450	114	44	u0	u0	PROPN
fsr-3450	114	45	c1ð	c1ð	PROPN
fsr-3450	114	46	þ	þ	PROPN
fsr-3450	114	47	=	=	PROPN
fsr-3450	114	48	l	l	X
fsr-3450	114	49	(	(	PUNCT
fsr-3450	114	50	6	6	NUM
fsr-3450	114	51	)	)	PUNCT
fsr-3450	114	52	z.	z.	PROPN
fsr-3450	114	53	liu	liu	PROPN
fsr-3450	114	54	and	and	CCONJ
fsr-3450	114	55	d.	d.	PROPN
fsr-3450	114	56	m.	m.	PROPN
fsr-3450	114	57	blanchett	blanchett	PROPN
fsr-3450	114	58	/	/	SYM
fsr-3450	114	59	financial	financial	ADJ
fsr-3450	114	60	services	service	NOUN
fsr-3450	114	61	review	review	VERB
fsr-3450	114	62	29	29	NUM
fsr-3450	114	63	(	(	PUNCT
fsr-3450	114	64	2021	2021	NUM
fsr-3450	114	65	)	)	PUNCT
fsr-3450	115	1	121–145	121–145	NUM
fsr-3450	115	2	127	127	NUM
fsr-3450	115	3	foc	foc	PROPN
fsr-3450	115	4	c2ð	c2ð	PROPN
fsr-3450	115	5	þ	þ	PROPN
fsr-3450	115	6	:	:	PUNCT
fsr-3450	115	7	b	b	X
fsr-3450	115	8	u0	u0	ADJ
fsr-3450	115	9	c2ð	c2ð	PROPN
fsr-3450	115	10	þ=	þ=	ADJ
fsr-3450	115	11	l	l	PROPN
fsr-3450	115	12	1	1	NUM
fsr-3450	115	13	þ	þ	NOUN
fsr-3450	115	14	r	r	NOUN
fsr-3450	115	15	(	(	PUNCT
fsr-3450	115	16	7	7	X
fsr-3450	115	17	)	)	PUNCT
fsr-3450	115	18	foc	foc	VERB
fsr-3450	115	19	lð	lð	PROPN
fsr-3450	115	20	þ	þ	PROPN
fsr-3450	115	21	:	:	PUNCT
fsr-3450	115	22	c1	c1	PROPN
fsr-3450	115	23	þ	þ	PROPN
fsr-3450	115	24	c2	c2	PROPN
fsr-3450	115	25	1	1	NUM
fsr-3450	115	26	þ	þ	NOUN
fsr-3450	115	27	r	r	NOUN
fsr-3450	115	28	≤	≤	NUM
fsr-3450	115	29	y1	y1	NOUN
fsr-3450	115	30	þ	þ	NOUN
fsr-3450	115	31	y2	y2	NOUN
fsr-3450	115	32	1	1	NUM
fsr-3450	115	33	þ	þ	NOUN
fsr-3450	115	34	r	r	NOUN
fsr-3450	115	35	(	(	PUNCT
fsr-3450	115	36	8)	8)	NUM
fsr-3450	115	37	putting	put	VERB
fsr-3450	115	38	the	the	DET
fsr-3450	115	39	first	first	ADJ
fsr-3450	115	40	order	order	NOUN
fsr-3450	115	41	conditions	condition	NOUN
fsr-3450	115	42	together	together	ADV
fsr-3450	115	43	,	,	PUNCT
fsr-3450	115	44	we	we	PRON
fsr-3450	115	45	arrive	arrive	VERB
fsr-3450	115	46	at	at	ADP
fsr-3450	115	47	the	the	DET
fsr-3450	115	48	euler	euler	NOUN
fsr-3450	115	49	equation	equation	NOUN
fsr-3450	115	50	:	:	PUNCT
fsr-3450	115	51	u0	u0	PROPN
fsr-3450	115	52	c1ð	c1ð	PROPN
fsr-3450	115	53	þ	þ	PROPN
fsr-3450	116	1	d	d	X
fsr-3450	116	2	u0	u0	ADJ
fsr-3450	116	3	c2ð	c2ð	PROPN
fsr-3450	116	4	þ	þ	PROPN
fsr-3450	116	5	¼	¼	NOUN
fsr-3450	116	6	1	1	NUM
fsr-3450	116	7	þ	þ	NOUN
fsr-3450	116	8	rð	rð	PROPN
fsr-3450	116	9	þ	þ	PROPN
fsr-3450	116	10	(	(	PUNCT
fsr-3450	116	11	9	9	NUM
fsr-3450	116	12	)	)	PUNCT
fsr-3450	116	13	this	this	DET
fsr-3450	116	14	equation	equation	NOUN
fsr-3450	116	15	describes	describe	VERB
fsr-3450	116	16	the	the	DET
fsr-3450	116	17	intertemporal	intertemporal	ADJ
fsr-3450	116	18	optimal	optimal	ADJ
fsr-3450	116	19	consumption	consumption	NOUN
fsr-3450	116	20	choice	choice	NOUN
fsr-3450	116	21	between	between	ADP
fsr-3450	116	22	the	the	DET
fsr-3450	116	23	current	current	ADJ
fsr-3450	116	24	and	and	CCONJ
fsr-3450	116	25	future	future	ADJ
fsr-3450	116	26	period	period	NOUN
fsr-3450	116	27	:	:	PUNCT
fsr-3450	116	28	the	the	DET
fsr-3450	116	29	marginal	marginal	ADJ
fsr-3450	116	30	rate	rate	NOUN
fsr-3450	116	31	of	of	ADP
fsr-3450	116	32	substitution	substitution	NOUN
fsr-3450	116	33	(	(	PUNCT
fsr-3450	116	34	appropriately	appropriately	ADV
fsr-3450	116	35	discounted	discount	VERB
fsr-3450	116	36	by	by	ADP
fsr-3450	116	37	d	d	PROPN
fsr-3450	116	38	)	)	PUNCT
fsr-3450	116	39	is	be	AUX
fsr-3450	116	40	equal	equal	ADJ
fsr-3450	116	41	to	to	ADP
fsr-3450	116	42	the	the	DET
fsr-3450	116	43	gross	gross	ADJ
fsr-3450	116	44	interest	interest	NOUN
fsr-3450	116	45	rate	rate	NOUN
fsr-3450	116	46	,	,	PUNCT
fsr-3450	116	47	which	which	PRON
fsr-3450	116	48	represents	represent	VERB
fsr-3450	116	49	the	the	DET
fsr-3450	116	50	relative	relative	ADJ
fsr-3450	116	51	price	price	NOUN
fsr-3450	116	52	between	between	ADP
fsr-3450	116	53	consumption	consumption	NOUN
fsr-3450	116	54	in	in	ADP
fsr-3450	116	55	period	period	NOUN
fsr-3450	116	56	1	1	NUM
fsr-3450	116	57	and	and	CCONJ
fsr-3450	116	58	consumption	consumption	NOUN
fsr-3450	116	59	in	in	ADP
fsr-3450	116	60	period	period	NOUN
fsr-3450	116	61	2	2	NUM
fsr-3450	116	62	.	.	PUNCT
fsr-3450	117	1	in	in	ADP
fsr-3450	117	2	terms	term	NOUN
fsr-3450	117	3	of	of	ADP
fsr-3450	117	4	saving	save	VERB
fsr-3450	117	5	(	(	PUNCT
fsr-3450	117	6	s	s	X
fsr-3450	117	7	>	>	X
fsr-3450	117	8	0	0	NUM
fsr-3450	117	9	)	)	PUNCT
fsr-3450	117	10	,	,	PUNCT
fsr-3450	117	11	if	if	SCONJ
fsr-3450	117	12	r	r	NOUN
fsr-3450	117	13	is	be	AUX
fsr-3450	117	14	high	high	ADJ
fsr-3450	117	15	,	,	PUNCT
fsr-3450	117	16	the	the	DET
fsr-3450	117	17	price	price	NOUN
fsr-3450	117	18	of	of	ADP
fsr-3450	117	19	consumption	consumption	NOUN
fsr-3450	117	20	in	in	ADP
fsr-3450	117	21	period	period	NOUN
fsr-3450	117	22	1	1	NUM
fsr-3450	117	23	is	be	AUX
fsr-3450	117	24	high	high	ADJ
fsr-3450	117	25	because	because	SCONJ
fsr-3450	117	26	the	the	DET
fsr-3450	117	27	household	household	NOUN
fsr-3450	117	28	is	be	AUX
fsr-3450	117	29	forgoing	forgo	VERB
fsr-3450	117	30	a	a	DET
fsr-3450	117	31	high	high	ADJ
fsr-3450	117	32	interest	interest	NOUN
fsr-3450	117	33	rate	rate	NOUN
fsr-3450	117	34	of	of	ADP
fsr-3450	117	35	investment	investment	NOUN
fsr-3450	117	36	return	return	NOUN
fsr-3450	117	37	.	.	PUNCT
fsr-3450	118	1	in	in	ADP
fsr-3450	118	2	the	the	DET
fsr-3450	118	3	case	case	NOUN
fsr-3450	118	4	of	of	ADP
fsr-3450	118	5	borrowing	borrow	VERB
fsr-3450	118	6	debt	debt	NOUN
fsr-3450	118	7	(	(	PUNCT
fsr-3450	118	8	s	s	X
fsr-3450	118	9	<	<	X
fsr-3450	118	10	0	0	NUM
fsr-3450	118	11	)	)	PUNCT
fsr-3450	118	12	,	,	PUNCT
fsr-3450	118	13	the	the	DET
fsr-3450	118	14	interpretation	interpretation	NOUN
fsr-3450	118	15	still	still	ADV
fsr-3450	118	16	applies	apply	VERB
fsr-3450	118	17	:	:	PUNCT
fsr-3450	118	18	if	if	SCONJ
fsr-3450	118	19	r	r	NOUN
fsr-3450	118	20	is	be	AUX
fsr-3450	118	21	high	high	ADJ
fsr-3450	118	22	,	,	PUNCT
fsr-3450	118	23	the	the	DET
fsr-3450	118	24	price	price	NOUN
fsr-3450	118	25	of	of	ADP
fsr-3450	118	26	consumption	consumption	NOUN
fsr-3450	118	27	in	in	ADP
fsr-3450	118	28	period	period	NOUN
fsr-3450	118	29	1	1	NUM
fsr-3450	118	30	is	be	AUX
fsr-3450	118	31	high	high	ADJ
fsr-3450	118	32	because	because	SCONJ
fsr-3450	118	33	the	the	DET
fsr-3450	118	34	household	household	NOUN
fsr-3450	118	35	is	be	AUX
fsr-3450	118	36	paying	pay	VERB
fsr-3450	118	37	a	a	DET
fsr-3450	118	38	high	high	ADJ
fsr-3450	118	39	borrowing	borrowing	NOUN
fsr-3450	118	40	cost	cost	NOUN
fsr-3450	118	41	due	due	ADP
fsr-3450	118	42	to	to	ADP
fsr-3450	118	43	the	the	DET
fsr-3450	118	44	high	high	ADJ
fsr-3450	118	45	interest	interest	NOUN
fsr-3450	118	46	rate	rate	NOUN
fsr-3450	118	47	.	.	PUNCT
fsr-3450	119	1	the	the	DET
fsr-3450	119	2	euler	euler	NOUN
fsr-3450	119	3	equation	equation	NOUN
fsr-3450	119	4	implies	imply	VERB
fsr-3450	119	5	that	that	SCONJ
fsr-3450	119	6	the	the	DET
fsr-3450	119	7	household	household	NOUN
fsr-3450	119	8	maximizes	maximize	VERB
fsr-3450	119	9	utility	utility	NOUN
fsr-3450	119	10	by	by	ADP
fsr-3450	119	11	smoothing	smooth	VERB
fsr-3450	119	12	the	the	DET
fsr-3450	119	13	consumption	consumption	NOUN
fsr-3450	119	14	path	path	NOUN
fsr-3450	119	15	over	over	ADP
fsr-3450	119	16	the	the	DET
fsr-3450	119	17	life	life	NOUN
fsr-3450	119	18	cycle	cycle	NOUN
fsr-3450	119	19	,	,	PUNCT
fsr-3450	119	20	which	which	PRON
fsr-3450	119	21	explains	explain	VERB
fsr-3450	119	22	the	the	DET
fsr-3450	119	23	borrowing	borrowing	NOUN
fsr-3450	119	24	behavior	behavior	NOUN
fsr-3450	119	25	of	of	ADP
fsr-3450	119	26	the	the	DET
fsr-3450	119	27	household	household	NOUN
fsr-3450	119	28	.	.	PUNCT
fsr-3450	120	1	the	the	DET
fsr-3450	120	2	two	two	NUM
fsr-3450	120	3	-	-	PUNCT
fsr-3450	120	4	period	period	NOUN
fsr-3450	120	5	intertemporal	intertemporal	ADJ
fsr-3450	120	6	consumption	consumption	NOUN
fsr-3450	120	7	model	model	NOUN
fsr-3450	120	8	can	can	AUX
fsr-3450	120	9	be	be	AUX
fsr-3450	120	10	generalized	generalize	VERB
fsr-3450	120	11	for	for	ADP
fsr-3450	120	12	multiple	multiple	ADJ
fsr-3450	120	13	-	-	PUNCT
fsr-3450	120	14	period	period	NOUN
fsr-3450	120	15	analysis	analysis	NOUN
fsr-3450	120	16	.	.	PUNCT
fsr-3450	121	1	assume	assume	VERB
fsr-3450	121	2	a	a	DET
fsr-3450	121	3	household	household	NOUN
fsr-3450	121	4	’s	’s	PART
fsr-3450	121	5	finite	finite	ADJ
fsr-3450	121	6	lifetime	lifetime	NOUN
fsr-3450	121	7	can	can	AUX
fsr-3450	121	8	be	be	AUX
fsr-3450	121	9	categorized	categorize	VERB
fsr-3450	121	10	into	into	ADP
fsr-3450	121	11	t	t	PROPN
fsr-3450	121	12	different	different	ADJ
fsr-3450	121	13	periods	period	NOUN
fsr-3450	121	14	.	.	PUNCT
fsr-3450	122	1	in	in	ADP
fsr-3450	122	2	each	each	DET
fsr-3450	122	3	period	period	NOUN
fsr-3450	122	4	t	t	PROPN
fsr-3450	122	5	,	,	PUNCT
fsr-3450	122	6	the	the	DET
fsr-3450	122	7	household	household	NOUN
fsr-3450	122	8	has	have	VERB
fsr-3450	122	9	income	income	NOUN
fsr-3450	122	10	yt	yt	PROPN
fsr-3450	122	11	,	,	PUNCT
fsr-3450	122	12	saves	save	VERB
fsr-3450	122	13	or	or	CCONJ
fsr-3450	122	14	borrows	borrow	VERB
fsr-3450	122	15	st	st	PROPN
fsr-3450	122	16	,	,	PUNCT
fsr-3450	122	17	and	and	CCONJ
fsr-3450	122	18	consumes	consume	VERB
fsr-3450	123	1	ct	ct	INTJ
fsr-3450	123	2	.	.	PUNCT
fsr-3450	124	1	then	then	ADV
fsr-3450	124	2	the	the	DET
fsr-3450	124	3	household	household	NOUN
fsr-3450	124	4	’s	’s	PART
fsr-3450	124	5	intertemporal	intertemporal	ADJ
fsr-3450	124	6	consumption	consumption	NOUN
fsr-3450	124	7	choice	choice	NOUN
fsr-3450	124	8	model	model	NOUN
fsr-3450	124	9	is	be	AUX
fsr-3450	124	10	as	as	SCONJ
fsr-3450	124	11	follows	follow	VERB
fsr-3450	124	12	:	:	PUNCT
fsr-3450	124	13	max	max	PROPN
fsr-3450	124	14	c1	c1	PROPN
fsr-3450	124	15	,	,	PUNCT
fsr-3450	124	16	c2	c2	PROPN
fsr-3450	124	17	,	,	PUNCT
fsr-3450	124	18	.	.	PUNCT
fsr-3450	124	19	.	.	PUNCT
fsr-3450	125	1	.	.	PUNCT
fsr-3450	126	1	,	,	PUNCT
fsr-3450	126	2	ctf	ctf	PROPN
fsr-3450	126	3	g	g	NOUN
fsr-3450	126	4	e	e	PROPN
fsr-3450	126	5	o	o	X
fsr-3450	126	6	t=1	t=1	PROPN
fsr-3450	126	7	t	t	PROPN
fsr-3450	126	8	d	d	NOUN
fsr-3450	126	9	�	�	PROPN
fsr-3450	126	10	tþ1u	tþ1u	PROPN
fsr-3450	126	11	ctð	ctð	ADJ
fsr-3450	126	12	þ	þ	NOUN
fsr-3450	126	13	"	"	PUNCT
fsr-3450	126	14	#	#	NOUN
fsr-3450	126	15	(	(	PUNCT
fsr-3450	126	16	10	10	NUM
fsr-3450	126	17	)	)	PUNCT
fsr-3450	126	18	s	s	PART
fsr-3450	126	19	:	:	PUNCT
fsr-3450	126	20	t	t	PROPN
fsr-3450	126	21	:	:	PUNCT
fsr-3450	126	22	rt	rt	PROPN
fsr-3450	126	23	t=1	t=1	PROPN
fsr-3450	126	24	1	1	NUM
fsr-3450	126	25	þ	þ	PROPN
fsr-3450	126	26	rð	rð	PROPN
fsr-3450	126	27	þ	þ	PROPN
fsr-3450	126	28	�	�	PROPN
fsr-3450	126	29	tþ1	tþ1	VERB
fsr-3450	126	30	ct	ct	NUM
fsr-3450	126	31	≤rt	≤rt	NOUN
fsr-3450	126	32	t=1	t=1	PROPN
fsr-3450	126	33	1	1	NUM
fsr-3450	126	34	þ	þ	PROPN
fsr-3450	126	35	rð	rð	PROPN
fsr-3450	126	36	þ	þ	PROPN
fsr-3450	126	37	�	�	NOUN
fsr-3450	126	38	tþ1yt	tþ1yt	PRON
fsr-3450	126	39	(	(	PUNCT
fsr-3450	126	40	11	11	NUM
fsr-3450	126	41	)	)	PUNCT
fsr-3450	126	42	where	where	SCONJ
fsr-3450	126	43	d	d	NOUN
fsr-3450	126	44	is	be	AUX
fsr-3450	126	45	still	still	ADV
fsr-3450	126	46	the	the	DET
fsr-3450	126	47	discounting	discount	VERB
fsr-3450	126	48	factor	factor	NOUN
fsr-3450	126	49	measuring	measure	VERB
fsr-3450	126	50	the	the	DET
fsr-3450	126	51	households	household	NOUN
fsr-3450	126	52	’	'	PUNCT
fsr-3450	126	53	preference	preference	NOUN
fsr-3450	126	54	for	for	ADP
fsr-3450	126	55	present	present	ADJ
fsr-3450	126	56	versus	versus	ADP
fsr-3450	126	57	future	future	NOUN
fsr-3450	126	58	,	,	PUNCT
fsr-3450	126	59	and	and	CCONJ
fsr-3450	126	60	r	r	NOUN
fsr-3450	126	61	is	be	AUX
fsr-3450	126	62	the	the	DET
fsr-3450	126	63	rate	rate	NOUN
fsr-3450	126	64	of	of	ADP
fsr-3450	126	65	return	return	NOUN
fsr-3450	126	66	on	on	ADP
fsr-3450	126	67	the	the	DET
fsr-3450	126	68	investment	investment	NOUN
fsr-3450	126	69	(	(	PUNCT
fsr-3450	126	70	or	or	CCONJ
fsr-3450	126	71	interest	interest	NOUN
fsr-3450	126	72	rate	rate	NOUN
fsr-3450	126	73	of	of	ADP
fsr-3450	126	74	borrowing	borrowing	NOUN
fsr-3450	126	75	on	on	ADP
fsr-3450	126	76	the	the	DET
fsr-3450	126	77	debt	debt	NOUN
fsr-3450	126	78	)	)	PUNCT
fsr-3450	126	79	.	.	PUNCT
fsr-3450	127	1	similarly	similarly	ADV
fsr-3450	127	2	,	,	PUNCT
fsr-3450	127	3	one	one	PRON
fsr-3450	127	4	can	can	AUX
fsr-3450	127	5	derive	derive	VERB
fsr-3450	127	6	the	the	DET
fsr-3450	127	7	solution	solution	NOUN
fsr-3450	127	8	to	to	ADP
fsr-3450	127	9	this	this	DET
fsr-3450	127	10	problem	problem	NOUN
fsr-3450	127	11	and	and	CCONJ
fsr-3450	127	12	arrive	arrive	VERB
fsr-3450	127	13	at	at	ADP
fsr-3450	127	14	the	the	DET
fsr-3450	127	15	generalized	generalize	VERB
fsr-3450	127	16	euler	euler	NOUN
fsr-3450	127	17	equation	equation	NOUN
fsr-3450	127	18	:	:	PUNCT
fsr-3450	127	19	et	et	NOUN
fsr-3450	127	20	u	u	PROPN
fsr-3450	127	21	0	0	PROPN
fsr-3450	127	22	ctð	ctð	PROPN
fsr-3450	127	23	þ	þ	PROPN
fsr-3450	127	24	d	d	X
fsr-3450	127	25	u0	u0	ADJ
fsr-3450	127	26	ctþ1ð	ctþ1ð	PROPN
fsr-3450	127	27	þ	þ	NOUN
fsr-3450	127	28	"	"	PUNCT
fsr-3450	127	29	#	#	NOUN
fsr-3450	127	30	¼	¼	NOUN
fsr-3450	127	31	1	1	NUM
fsr-3450	127	32	þ	þ	NOUN
fsr-3450	127	33	rð	rð	PROPN
fsr-3450	127	34	þ	þ	PROPN
fsr-3450	127	35	(	(	PUNCT
fsr-3450	127	36	12	12	NUM
fsr-3450	127	37	)	)	PUNCT
fsr-3450	127	38	notice	notice	VERB
fsr-3450	127	39	that	that	SCONJ
fsr-3450	127	40	the	the	DET
fsr-3450	127	41	eq	eq	NOUN
fsr-3450	127	42	.	.	PUNCT
fsr-3450	128	1	(	(	PUNCT
fsr-3450	128	2	12	12	NUM
fsr-3450	128	3	)	)	PUNCT
fsr-3450	128	4	can	can	AUX
fsr-3450	128	5	be	be	AUX
fsr-3450	128	6	rearranged	rearrange	VERB
fsr-3450	128	7	into	into	ADP
fsr-3450	128	8	:	:	PUNCT
fsr-3450	128	9	128	128	NUM
fsr-3450	128	10	z.	z.	PROPN
fsr-3450	128	11	liu	liu	PROPN
fsr-3450	128	12	and	and	CCONJ
fsr-3450	128	13	d.	d.	PROPN
fsr-3450	128	14	m.	m.	PROPN
fsr-3450	128	15	blanchett	blanchett	PROPN
fsr-3450	128	16	/	/	SYM
fsr-3450	128	17	financial	financial	ADJ
fsr-3450	128	18	services	service	NOUN
fsr-3450	128	19	review	review	VERB
fsr-3450	128	20	29	29	NUM
fsr-3450	128	21	(	(	PUNCT
fsr-3450	128	22	2021	2021	NUM
fsr-3450	128	23	)	)	PUNCT
fsr-3450	129	1	121–145	121–145	NUM
fsr-3450	129	2	et	et	NOUN
fsr-3450	129	3	u	u	NOUN
fsr-3450	129	4	0	0	PROPN
fsr-3450	129	5	ctð	ctð	PROPN
fsr-3450	129	6	þ	þ	PROPN
fsr-3450	129	7	u	u	NOUN
fsr-3450	129	8	0	0	NUM
fsr-3450	129	9	ctþ1ð	ctþ1ð	NOUN
fsr-3450	129	10	þ	þ	NOUN
fsr-3450	129	11	"	"	PUNCT
fsr-3450	129	12	#	#	NOUN
fsr-3450	129	13	¼	¼	NOUN
fsr-3450	129	14	1	1	NUM
fsr-3450	129	15	þ	þ	NOUN
fsr-3450	129	16	rð	rð	PROPN
fsr-3450	129	17	þ	þ	PROPN
fsr-3450	129	18	d	d	X
fsr-3450	129	19	(	(	PUNCT
fsr-3450	129	20	13	13	NUM
fsr-3450	129	21	)	)	PUNCT
fsr-3450	129	22	then	then	ADV
fsr-3450	129	23	we	we	PRON
fsr-3450	129	24	can	can	AUX
fsr-3450	129	25	interpret	interpret	VERB
fsr-3450	129	26	the	the	DET
fsr-3450	129	27	euler	euler	NOUN
fsr-3450	129	28	eq	eq	PROPN
fsr-3450	129	29	.	.	PUNCT
fsr-3450	130	1	(	(	PUNCT
fsr-3450	130	2	13	13	NUM
fsr-3450	130	3	)	)	PUNCT
fsr-3450	130	4	as	as	ADP
fsr-3450	130	5	the	the	DET
fsr-3450	130	6	marginal	marginal	ADJ
fsr-3450	130	7	rate	rate	NOUN
fsr-3450	130	8	of	of	ADP
fsr-3450	130	9	substitution	substitution	NOUN
fsr-3450	130	10	between	between	ADP
fsr-3450	130	11	the	the	DET
fsr-3450	130	12	period	period	NOUN
fsr-3450	130	13	(	(	PUNCT
fsr-3450	130	14	t	t	NOUN
fsr-3450	130	15	)	)	PUNCT
fsr-3450	130	16	and	and	CCONJ
fsr-3450	130	17	the	the	DET
fsr-3450	130	18	next	next	ADJ
fsr-3450	130	19	period	period	NOUN
fsr-3450	130	20	(	(	PUNCT
fsr-3450	130	21	t	t	PROPN
fsr-3450	130	22	þ	þ	PROPN
fsr-3450	130	23	1	1	NUM
fsr-3450	130	24	)	)	PUNCT
fsr-3450	130	25	,	,	PUNCT
fsr-3450	130	26	is	be	AUX
fsr-3450	130	27	equal	equal	ADJ
fsr-3450	130	28	to	to	ADP
fsr-3450	130	29	the	the	DET
fsr-3450	130	30	product	product	NOUN
fsr-3450	130	31	of	of	ADP
fsr-3450	130	32	the	the	DET
fsr-3450	130	33	gross	gross	ADJ
fsr-3450	130	34	interest	interest	NOUN
fsr-3450	130	35	rate	rate	NOUN
fsr-3450	130	36	and	and	CCONJ
fsr-3450	130	37	the	the	DET
fsr-3450	130	38	time	time	NOUN
fsr-3450	130	39	discounting	discount	VERB
fsr-3450	130	40	factor	factor	NOUN
fsr-3450	130	41	.	.	PUNCT
fsr-3450	131	1	in	in	ADP
fsr-3450	131	2	other	other	ADJ
fsr-3450	131	3	words	word	NOUN
fsr-3450	131	4	,	,	PUNCT
fsr-3450	131	5	the	the	DET
fsr-3450	131	6	households	household	NOUN
fsr-3450	131	7	smooth	smooth	VERB
fsr-3450	131	8	their	their	PRON
fsr-3450	131	9	lifetime	lifetime	NOUN
fsr-3450	131	10	consumption	consumption	NOUN
fsr-3450	131	11	paths	path	NOUN
fsr-3450	131	12	based	base	VERB
fsr-3450	131	13	on	on	ADP
fsr-3450	131	14	two	two	NUM
fsr-3450	131	15	factors	factor	NOUN
fsr-3450	131	16	,	,	PUNCT
fsr-3450	131	17	the	the	DET
fsr-3450	131	18	interest	interest	NOUN
fsr-3450	131	19	rate	rate	NOUN
fsr-3450	131	20	(	(	PUNCT
fsr-3450	131	21	borrowing	borrowing	NOUN
fsr-3450	131	22	or	or	CCONJ
fsr-3450	131	23	investing	investing	NOUN
fsr-3450	131	24	)	)	PUNCT
fsr-3450	131	25	and	and	CCONJ
fsr-3450	131	26	their	their	PRON
fsr-3450	131	27	time	time	NOUN
fsr-3450	131	28	discounting	discount	VERB
fsr-3450	131	29	preference	preference	NOUN
fsr-3450	131	30	.	.	PUNCT
fsr-3450	132	1	there	there	PRON
fsr-3450	132	2	have	have	AUX
fsr-3450	132	3	been	be	AUX
fsr-3450	132	4	some	some	DET
fsr-3450	132	5	variations	variation	NOUN
fsr-3450	132	6	to	to	ADP
fsr-3450	132	7	the	the	DET
fsr-3450	132	8	life	life	NOUN
fsr-3450	132	9	-	-	PUNCT
fsr-3450	132	10	cycle	cycle	NOUN
fsr-3450	132	11	model	model	NOUN
fsr-3450	132	12	since	since	SCONJ
fsr-3450	132	13	its	its	PRON
fsr-3450	132	14	development	development	NOUN
fsr-3450	132	15	.	.	PUNCT
fsr-3450	133	1	for	for	ADP
fsr-3450	133	2	example	example	NOUN
fsr-3450	133	3	,	,	PUNCT
fsr-3450	133	4	the	the	DET
fsr-3450	133	5	presence	presence	NOUN
fsr-3450	133	6	of	of	ADP
fsr-3450	133	7	liquidity	liquidity	NOUN
fsr-3450	133	8	and	and	CCONJ
fsr-3450	133	9	borrowing	borrowing	NOUN
fsr-3450	133	10	constraints	constraint	NOUN
fsr-3450	133	11	has	have	AUX
fsr-3450	133	12	been	be	AUX
fsr-3450	133	13	brought	bring	VERB
fsr-3450	133	14	up	up	ADP
fsr-3450	133	15	to	to	PART
fsr-3450	133	16	modify	modify	VERB
fsr-3450	133	17	the	the	DET
fsr-3450	133	18	model	model	NOUN
fsr-3450	133	19	for	for	ADP
fsr-3450	133	20	better	well	ADJ
fsr-3450	133	21	suitability	suitability	NOUN
fsr-3450	133	22	to	to	PART
fsr-3450	133	23	empirical	empirical	ADJ
fsr-3450	133	24	analysis	analysis	NOUN
fsr-3450	133	25	.	.	PUNCT
fsr-3450	134	1	in	in	ADP
fsr-3450	134	2	our	our	PRON
fsr-3450	134	3	analysis	analysis	NOUN
fsr-3450	134	4	,	,	PUNCT
fsr-3450	134	5	we	we	PRON
fsr-3450	134	6	assumed	assume	VERB
fsr-3450	134	7	that	that	SCONJ
fsr-3450	134	8	u.s	u.s	PROPN
fsr-3450	134	9	.	.	PROPN
fsr-3450	134	10	households	household	NOUN
fsr-3450	134	11	are	be	AUX
fsr-3450	134	12	able	able	ADJ
fsr-3450	134	13	to	to	PART
fsr-3450	134	14	leverage	leverage	VERB
fsr-3450	134	15	from	from	ADP
fsr-3450	134	16	various	various	ADJ
fsr-3450	134	17	lending	lending	NOUN
fsr-3450	134	18	sources	source	NOUN
fsr-3450	134	19	to	to	PART
fsr-3450	134	20	achieve	achieve	VERB
fsr-3450	134	21	their	their	PRON
fsr-3450	134	22	consumption	consumption	NOUN
fsr-3450	134	23	smoothing	smooth	VERB
fsr-3450	134	24	and	and	CCONJ
fsr-3450	134	25	combine	combine	VERB
fsr-3450	134	26	the	the	DET
fsr-3450	134	27	liquidity	liquidity	NOUN
fsr-3450	134	28	and	and	CCONJ
fsr-3450	134	29	dollar	dollar	NOUN
fsr-3450	134	30	amount	amount	NOUN
fsr-3450	134	31	borrowing	borrowing	NOUN
fsr-3450	134	32	constraints	constraint	NOUN
fsr-3450	134	33	into	into	ADP
fsr-3450	134	34	the	the	DET
fsr-3450	134	35	interest	interest	NOUN
fsr-3450	134	36	rate	rate	NOUN
fsr-3450	134	37	constraint	constraint	NOUN
fsr-3450	134	38	(	(	PUNCT
fsr-3450	134	39	the	the	DET
fsr-3450	134	40	household	household	NOUN
fsr-3450	134	41	’s	’s	PART
fsr-3450	134	42	tolerance	tolerance	NOUN
fsr-3450	134	43	of	of	ADP
fsr-3450	134	44	high	high	ADJ
fsr-3450	134	45	interest	interest	NOUN
fsr-3450	134	46	rates).7	rates).7	PROPN
fsr-3450	134	47	we	we	PRON
fsr-3450	134	48	also	also	ADV
fsr-3450	134	49	consider	consider	VERB
fsr-3450	134	50	households	household	NOUN
fsr-3450	134	51	’	'	PUNCT
fsr-3450	134	52	liquid	liquid	ADJ
fsr-3450	134	53	assets	asset	NOUN
fsr-3450	134	54	in	in	ADP
fsr-3450	134	55	our	our	PRON
fsr-3450	134	56	analysis	analysis	NOUN
fsr-3450	134	57	to	to	PART
fsr-3450	134	58	investigate	investigate	VERB
fsr-3450	134	59	their	their	PRON
fsr-3450	134	60	debt	debt	NOUN
fsr-3450	134	61	problems	problem	NOUN
fsr-3450	134	62	.	.	PUNCT
fsr-3450	135	1	to	to	PART
fsr-3450	135	2	capture	capture	VERB
fsr-3450	135	3	the	the	DET
fsr-3450	135	4	discounting	discount	VERB
fsr-3450	135	5	preference	preference	NOUN
fsr-3450	135	6	of	of	ADP
fsr-3450	135	7	american	american	ADJ
fsr-3450	135	8	families	family	NOUN
fsr-3450	135	9	,	,	PUNCT
fsr-3450	135	10	we	we	PRON
fsr-3450	135	11	use	use	VERB
fsr-3450	135	12	the	the	DET
fsr-3450	135	13	household	household	NOUN
fsr-3450	135	14	’s	’s	PART
fsr-3450	135	15	financial	financial	ADJ
fsr-3450	135	16	planning	planning	NOUN
fsr-3450	135	17	horizon	horizon	NOUN
fsr-3450	135	18	as	as	ADP
fsr-3450	135	19	a	a	DET
fsr-3450	135	20	proxy	proxy	NOUN
fsr-3450	135	21	in	in	ADP
fsr-3450	135	22	the	the	DET
fsr-3450	135	23	empirical	empirical	ADJ
fsr-3450	135	24	analysis	analysis	NOUN
fsr-3450	135	25	.	.	PUNCT
fsr-3450	136	1	the	the	DET
fsr-3450	136	2	household	household	NOUN
fsr-3450	136	3	consumption	consumption	NOUN
fsr-3450	136	4	decision	decision	NOUN
fsr-3450	136	5	model	model	NOUN
fsr-3450	136	6	provides	provide	VERB
fsr-3450	136	7	guidance	guidance	NOUN
fsr-3450	136	8	on	on	ADP
fsr-3450	136	9	what	what	PRON
fsr-3450	136	10	to	to	PART
fsr-3450	136	11	expect	expect	VERB
fsr-3450	136	12	in	in	ADP
fsr-3450	136	13	the	the	DET
fsr-3450	136	14	regression	regression	NOUN
fsr-3450	136	15	analysis	analysis	NOUN
fsr-3450	136	16	results	result	NOUN
fsr-3450	136	17	presented	present	VERB
fsr-3450	136	18	in	in	ADP
fsr-3450	136	19	this	this	DET
fsr-3450	136	20	article	article	NOUN
fsr-3450	136	21	.	.	PUNCT
fsr-3450	137	1	for	for	ADP
fsr-3450	137	2	instance	instance	NOUN
fsr-3450	137	3	,	,	PUNCT
fsr-3450	137	4	we	we	PRON
fsr-3450	137	5	expect	expect	VERB
fsr-3450	137	6	to	to	PART
fsr-3450	137	7	observe	observe	VERB
fsr-3450	137	8	that	that	SCONJ
fsr-3450	137	9	interest	interest	NOUN
fsr-3450	137	10	rates	rate	NOUN
fsr-3450	137	11	significantly	significantly	ADV
fsr-3450	137	12	affect	affect	VERB
fsr-3450	137	13	household	household	NOUN
fsr-3450	137	14	leverages	leverage	NOUN
fsr-3450	137	15	across	across	ADP
fsr-3450	137	16	various	various	ADJ
fsr-3450	137	17	debt	debt	NOUN
fsr-3450	137	18	types	type	NOUN
fsr-3450	137	19	.	.	PUNCT
fsr-3450	138	1	households	household	NOUN
fsr-3450	138	2	with	with	ADP
fsr-3450	138	3	relatively	relatively	ADV
fsr-3450	138	4	longer	long	ADJ
fsr-3450	138	5	financial	financial	ADJ
fsr-3450	138	6	planning	planning	NOUN
fsr-3450	138	7	horizons	horizon	NOUN
fsr-3450	138	8	are	be	AUX
fsr-3450	138	9	less	less	ADV
fsr-3450	138	10	likely	likely	ADJ
fsr-3450	138	11	to	to	PART
fsr-3450	138	12	carry	carry	VERB
fsr-3450	138	13	debt	debt	NOUN
fsr-3450	138	14	(	(	PUNCT
fsr-3450	138	15	or	or	CCONJ
fsr-3450	138	16	they	they	PRON
fsr-3450	138	17	have	have	VERB
fsr-3450	138	18	lower	low	ADJ
fsr-3450	138	19	debt	debt	NOUN
fsr-3450	138	20	amount	amount	NOUN
fsr-3450	138	21	,	,	PUNCT
fsr-3450	138	22	debt	debt	NOUN
fsr-3450	138	23	-	-	PUNCT
fsr-3450	138	24	to	to	ADP
fsr-3450	138	25	-	-	PUNCT
fsr-3450	138	26	income	income	NOUN
fsr-3450	138	27	ratio	ratio	NOUN
fsr-3450	138	28	,	,	PUNCT
fsr-3450	138	29	and	and	CCONJ
fsr-3450	138	30	debt	debt	NOUN
fsr-3450	138	31	-	-	PUNCT
fsr-3450	138	32	to	to	ADP
fsr-3450	138	33	-	-	PUNCT
fsr-3450	138	34	asset	asset	NOUN
fsr-3450	138	35	ratio	ratio	NOUN
fsr-3450	138	36	)	)	PUNCT
fsr-3450	138	37	compared	compare	VERB
fsr-3450	138	38	with	with	ADP
fsr-3450	138	39	the	the	DET
fsr-3450	138	40	households	household	NOUN
fsr-3450	138	41	whose	whose	DET
fsr-3450	138	42	financial	financial	ADJ
fsr-3450	138	43	planning	planning	NOUN
fsr-3450	138	44	horizons	horizon	NOUN
fsr-3450	138	45	are	be	AUX
fsr-3450	138	46	short	short	ADJ
fsr-3450	138	47	.	.	PUNCT
fsr-3450	139	1	liquid	liquid	ADJ
fsr-3450	139	2	asset	asset	NOUN
fsr-3450	139	3	holdings	holding	NOUN
fsr-3450	139	4	should	should	AUX
fsr-3450	139	5	significantly	significantly	ADV
fsr-3450	139	6	reduce	reduce	VERB
fsr-3450	139	7	the	the	DET
fsr-3450	139	8	household	household	NOUN
fsr-3450	139	9	debt	debt	NOUN
fsr-3450	139	10	level	level	NOUN
fsr-3450	139	11	.	.	PUNCT
fsr-3450	140	1	detailed	detailed	ADJ
fsr-3450	140	2	discussion	discussion	NOUN
fsr-3450	140	3	on	on	ADP
fsr-3450	140	4	the	the	DET
fsr-3450	140	5	regression	regression	NOUN
fsr-3450	140	6	results	result	NOUN
fsr-3450	140	7	will	will	AUX
fsr-3450	140	8	be	be	AUX
fsr-3450	140	9	presented	present	VERB
fsr-3450	140	10	in	in	ADP
fsr-3450	140	11	the	the	DET
fsr-3450	140	12	following	follow	VERB
fsr-3450	140	13	sections	section	NOUN
fsr-3450	140	14	.	.	PUNCT
fsr-3450	141	1	4	4	X
fsr-3450	141	2	.	.	X
fsr-3450	141	3	data	datum	NOUN
fsr-3450	141	4	and	and	CCONJ
fsr-3450	141	5	methodology	methodology	NOUN
fsr-3450	141	6	this	this	DET
fsr-3450	141	7	article	article	NOUN
fsr-3450	141	8	uses	use	VERB
fsr-3450	141	9	data	datum	NOUN
fsr-3450	141	10	from	from	ADP
fsr-3450	141	11	the	the	DET
fsr-3450	141	12	scf	scf	PROPN
fsr-3450	141	13	to	to	PART
fsr-3450	141	14	analyze	analyze	VERB
fsr-3450	141	15	the	the	DET
fsr-3450	141	16	characteristics	characteristic	NOUN
fsr-3450	141	17	of	of	ADP
fsr-3450	141	18	u.s	u.s	PROPN
fsr-3450	141	19	.	.	PROPN
fsr-3450	141	20	household	household	NOUN
fsr-3450	141	21	finances	finance	NOUN
fsr-3450	141	22	.	.	PUNCT
fsr-3450	142	1	the	the	DET
fsr-3450	142	2	scf	scf	PROPN
fsr-3450	142	3	,	,	PUNCT
fsr-3450	142	4	conducted	conduct	VERB
fsr-3450	142	5	by	by	ADP
fsr-3450	142	6	the	the	DET
fsr-3450	142	7	federal	federal	PROPN
fsr-3450	142	8	reserve	reserve	PROPN
fsr-3450	142	9	board	board	PROPN
fsr-3450	142	10	,	,	PUNCT
fsr-3450	142	11	is	be	AUX
fsr-3450	142	12	a	a	DET
fsr-3450	142	13	nationally	nationally	ADV
fsr-3450	142	14	representative	representative	ADJ
fsr-3450	142	15	crosssectional	crosssectional	ADJ
fsr-3450	142	16	survey	survey	NOUN
fsr-3450	142	17	of	of	ADP
fsr-3450	142	18	u.s	u.s	PROPN
fsr-3450	142	19	.	.	PROPN
fsr-3450	142	20	households	household	NOUN
fsr-3450	142	21	.	.	PUNCT
fsr-3450	143	1	this	this	DET
fsr-3450	143	2	triennial	triennial	ADJ
fsr-3450	143	3	survey	survey	NOUN
fsr-3450	143	4	collects	collect	VERB
fsr-3450	143	5	a	a	DET
fsr-3450	143	6	variety	variety	NOUN
fsr-3450	143	7	of	of	ADP
fsr-3450	143	8	information	information	NOUN
fsr-3450	143	9	on	on	ADP
fsr-3450	143	10	income	income	NOUN
fsr-3450	143	11	,	,	PUNCT
fsr-3450	143	12	balance	balance	NOUN
fsr-3450	143	13	sheet	sheet	NOUN
fsr-3450	143	14	,	,	PUNCT
fsr-3450	143	15	and	and	CCONJ
fsr-3450	143	16	demographic	demographic	ADJ
fsr-3450	143	17	characteristics	characteristic	NOUN
fsr-3450	143	18	from	from	ADP
fsr-3450	143	19	a	a	DET
fsr-3450	143	20	selection	selection	NOUN
fsr-3450	143	21	of	of	ADP
fsr-3450	143	22	more	more	ADJ
fsr-3450	143	23	than	than	ADP
fsr-3450	143	24	6,000	6,000	NUM
fsr-3450	143	25	american	american	ADJ
fsr-3450	143	26	families	family	NOUN
fsr-3450	143	27	in	in	ADP
fsr-3450	143	28	each	each	DET
fsr-3450	143	29	survey	survey	NOUN
fsr-3450	143	30	wave	wave	NOUN
fsr-3450	143	31	.	.	PUNCT
fsr-3450	144	1	using	use	VERB
fsr-3450	144	2	the	the	DET
fsr-3450	144	3	2016	2016	NUM
fsr-3450	144	4	survey	survey	NOUN
fsr-3450	144	5	wave	wave	NOUN
fsr-3450	144	6	,	,	PUNCT
fsr-3450	144	7	we	we	PRON
fsr-3450	144	8	study	study	VERB
fsr-3450	144	9	the	the	DET
fsr-3450	144	10	characteristics	characteristic	NOUN
fsr-3450	144	11	of	of	ADP
fsr-3450	144	12	the	the	DET
fsr-3450	144	13	balance	balance	NOUN
fsr-3450	144	14	sheets	sheet	NOUN
fsr-3450	144	15	of	of	ADP
fsr-3450	144	16	american	american	ADJ
fsr-3450	144	17	households	household	NOUN
fsr-3450	144	18	,	,	PUNCT
fsr-3450	144	19	explore	explore	VERB
fsr-3450	144	20	the	the	DET
fsr-3450	144	21	factors	factor	NOUN
fsr-3450	144	22	that	that	PRON
fsr-3450	144	23	are	be	AUX
fsr-3450	144	24	associated	associate	VERB
fsr-3450	144	25	with	with	ADP
fsr-3450	144	26	high	high	ADJ
fsr-3450	144	27	debt	debt	NOUN
fsr-3450	144	28	-	-	PUNCT
fsr-3450	144	29	to	to	ADP
fsr-3450	144	30	-	-	PUNCT
fsr-3450	144	31	asset	asset	NOUN
fsr-3450	144	32	ratios	ratio	NOUN
fsr-3450	144	33	for	for	ADP
fsr-3450	144	34	certain	certain	ADJ
fsr-3450	144	35	households	household	NOUN
fsr-3450	144	36	,	,	PUNCT
fsr-3450	144	37	and	and	CCONJ
fsr-3450	144	38	investigate	investigate	VERB
fsr-3450	144	39	the	the	DET
fsr-3450	144	40	benefit	benefit	NOUN
fsr-3450	144	41	of	of	ADP
fsr-3450	144	42	liability	liability	NOUN
fsr-3450	144	43	management	management	NOUN
fsr-3450	144	44	for	for	ADP
fsr-3450	144	45	these	these	DET
fsr-3450	144	46	households.8	households.8	PROPN
fsr-3450	144	47	for	for	ADP
fsr-3450	144	48	our	our	PRON
fsr-3450	144	49	analysis	analysis	NOUN
fsr-3450	144	50	,	,	PUNCT
fsr-3450	144	51	we	we	PRON
fsr-3450	144	52	focus	focus	VERB
fsr-3450	144	53	on	on	ADP
fsr-3450	144	54	“	"	PUNCT
fsr-3450	144	55	low	low	ADJ
fsr-3450	144	56	-	-	PUNCT
fsr-3450	144	57	to	to	ADP
fsr-3450	144	58	-	-	PUNCT
fsr-3450	144	59	affluent	affluent	ADJ
fsr-3450	144	60	”	"	PUNCT
fsr-3450	144	61	american	american	ADJ
fsr-3450	144	62	families	family	NOUN
fsr-3450	144	63	,	,	PUNCT
fsr-3450	144	64	which	which	PRON
fsr-3450	144	65	we	we	PRON
fsr-3450	144	66	define	define	VERB
fsr-3450	144	67	as	as	ADP
fsr-3450	144	68	households	household	NOUN
fsr-3450	144	69	with	with	ADP
fsr-3450	144	70	less	less	ADJ
fsr-3450	144	71	than	than	ADP
fsr-3450	144	72	$	$	SYM
fsr-3450	144	73	1	1	NUM
fsr-3450	144	74	million	million	NUM
fsr-3450	144	75	in	in	ADP
fsr-3450	144	76	financial	financial	ADJ
fsr-3450	144	77	assets	asset	NOUN
fsr-3450	144	78	.	.	PUNCT
fsr-3450	145	1	households	household	NOUN
fsr-3450	145	2	with	with	ADP
fsr-3450	145	3	very	very	ADV
fsr-3450	145	4	high	high	ADJ
fsr-3450	145	5	net	net	ADJ
fsr-3450	145	6	worth	worth	NOUN
fsr-3450	145	7	often	often	ADV
fsr-3450	145	8	have	have	VERB
fsr-3450	145	9	their	their	PRON
fsr-3450	145	10	own	own	ADJ
fsr-3450	145	11	unique	unique	ADJ
fsr-3450	145	12	leveraging	leveraging	NOUN
fsr-3450	145	13	and	and	CCONJ
fsr-3450	145	14	investment	investment	NOUN
fsr-3450	145	15	strategies	strategy	NOUN
fsr-3450	145	16	,	,	PUNCT
fsr-3450	145	17	and	and	CCONJ
fsr-3450	145	18	optimizing	optimize	VERB
fsr-3450	145	19	these	these	DET
fsr-3450	145	20	strategies	strategy	NOUN
fsr-3450	145	21	is	be	AUX
fsr-3450	145	22	beyond	beyond	ADP
fsr-3450	145	23	the	the	DET
fsr-3450	145	24	scope	scope	NOUN
fsr-3450	145	25	of	of	ADP
fsr-3450	145	26	this	this	DET
fsr-3450	145	27	article	article	NOUN
fsr-3450	145	28	.	.	PUNCT
fsr-3450	146	1	the	the	DET
fsr-3450	146	2	comprehensive	comprehensive	ADJ
fsr-3450	146	3	perspective	perspective	NOUN
fsr-3450	146	4	of	of	ADP
fsr-3450	146	5	the	the	DET
fsr-3450	146	6	average	average	ADJ
fsr-3450	146	7	household	household	NOUN
fsr-3450	146	8	balance	balance	NOUN
fsr-3450	146	9	sheet	sheet	NOUN
fsr-3450	146	10	(	(	PUNCT
fsr-3450	146	11	see	see	VERB
fsr-3450	146	12	appendix	appendix	NOUN
fsr-3450	146	13	a	a	PRON
fsr-3450	146	14	)	)	PUNCT
fsr-3450	146	15	indicates	indicate	VERB
fsr-3450	146	16	that	that	SCONJ
fsr-3450	146	17	the	the	DET
fsr-3450	146	18	average	average	ADJ
fsr-3450	146	19	return	return	NOUN
fsr-3450	146	20	on	on	ADP
fsr-3450	146	21	financial	financial	ADJ
fsr-3450	146	22	(	(	PUNCT
fsr-3450	146	23	i.e.	i.e.	X
fsr-3450	146	24	,	,	PUNCT
fsr-3450	146	25	investment	investment	NOUN
fsr-3450	146	26	)	)	PUNCT
fsr-3450	146	27	assets	asset	NOUN
fsr-3450	146	28	is	be	AUX
fsr-3450	146	29	approximately	approximately	ADV
fsr-3450	146	30	62	62	NUM
fsr-3450	146	31	%	%	NOUN
fsr-3450	146	32	of	of	ADP
fsr-3450	146	33	the	the	DET
fsr-3450	146	34	debt	debt	NOUN
fsr-3450	146	35	interest	interest	NOUN
fsr-3450	146	36	charges	charge	NOUN
fsr-3450	146	37	for	for	ADP
fsr-3450	146	38	the	the	DET
fsr-3450	146	39	average	average	ADJ
fsr-3450	146	40	u.s	u.s	PROPN
fsr-3450	146	41	.	.	PROPN
fsr-3450	146	42	household	household	NOUN
fsr-3450	146	43	.	.	PUNCT
fsr-3450	147	1	in	in	ADP
fsr-3450	147	2	other	other	ADJ
fsr-3450	147	3	words	word	NOUN
fsr-3450	147	4	,	,	PUNCT
fsr-3450	147	5	the	the	DET
fsr-3450	147	6	average	average	ADJ
fsr-3450	147	7	u.s	u.s	PROPN
fsr-3450	147	8	.	.	PROPN
fsr-3450	147	9	z.	z.	PROPN
fsr-3450	147	10	liu	liu	PROPN
fsr-3450	147	11	and	and	CCONJ
fsr-3450	147	12	d.	d.	PROPN
fsr-3450	147	13	m.	m.	PROPN
fsr-3450	147	14	blanchett	blanchett	PROPN
fsr-3450	147	15	/	/	SYM
fsr-3450	147	16	financial	financial	ADJ
fsr-3450	147	17	services	service	NOUN
fsr-3450	147	18	review	review	VERB
fsr-3450	147	19	29	29	NUM
fsr-3450	147	20	(	(	PUNCT
fsr-3450	147	21	2021	2021	NUM
fsr-3450	147	22	)	)	PUNCT
fsr-3450	148	1	121–145	121–145	NUM
fsr-3450	148	2	129	129	NUM
fsr-3450	148	3	family	family	NOUN
fsr-3450	148	4	is	be	AUX
fsr-3450	148	5	spending	spend	VERB
fsr-3450	148	6	more	more	ADV
fsr-3450	148	7	on	on	ADP
fsr-3450	148	8	interest	interest	NOUN
fsr-3450	148	9	servicing	service	VERB
fsr-3450	148	10	household	household	NOUN
fsr-3450	148	11	debt	debt	NOUN
fsr-3450	148	12	than	than	SCONJ
fsr-3450	148	13	they	they	PRON
fsr-3450	148	14	are	be	AUX
fsr-3450	148	15	earning	earn	VERB
fsr-3450	148	16	from	from	ADP
fsr-3450	148	17	investing	invest	VERB
fsr-3450	148	18	their	their	PRON
fsr-3450	148	19	financial	financial	ADJ
fsr-3450	148	20	assets	asset	NOUN
fsr-3450	148	21	.	.	PUNCT
fsr-3450	149	1	this	this	PRON
fsr-3450	149	2	is	be	AUX
fsr-3450	149	3	despite	despite	SCONJ
fsr-3450	149	4	a	a	DET
fsr-3450	149	5	significant	significant	ADJ
fsr-3450	149	6	focus	focus	NOUN
fsr-3450	149	7	on	on	ADP
fsr-3450	149	8	managing	manage	VERB
fsr-3450	149	9	the	the	DET
fsr-3450	149	10	asset	asset	NOUN
fsr-3450	149	11	side	side	NOUN
fsr-3450	149	12	of	of	ADP
fsr-3450	149	13	the	the	DET
fsr-3450	149	14	household	household	NOUN
fsr-3450	149	15	balance	balance	NOUN
fsr-3450	149	16	sheet	sheet	NOUN
fsr-3450	149	17	that	that	PRON
fsr-3450	149	18	is	be	AUX
fsr-3450	149	19	common	common	ADJ
fsr-3450	149	20	within	within	ADP
fsr-3450	149	21	the	the	DET
fsr-3450	149	22	financial	financial	ADJ
fsr-3450	149	23	advising	advise	VERB
fsr-3450	149	24	profession	profession	NOUN
fsr-3450	149	25	.	.	PUNCT
fsr-3450	150	1	the	the	DET
fsr-3450	150	2	focus	focus	NOUN
fsr-3450	150	3	of	of	ADP
fsr-3450	150	4	this	this	DET
fsr-3450	150	5	article	article	NOUN
fsr-3450	150	6	is	be	AUX
fsr-3450	150	7	to	to	PART
fsr-3450	150	8	explore	explore	VERB
fsr-3450	150	9	how	how	SCONJ
fsr-3450	150	10	low	low	ADJ
fsr-3450	150	11	-	-	PUNCT
fsr-3450	150	12	to	to	ADP
fsr-3450	150	13	-	-	PUNCT
fsr-3450	150	14	affluent	affluent	ADJ
fsr-3450	150	15	american	american	ADJ
fsr-3450	150	16	families	family	NOUN
fsr-3450	150	17	can	can	AUX
fsr-3450	150	18	potentially	potentially	ADV
fsr-3450	150	19	benefit	benefit	VERB
fsr-3450	150	20	from	from	ADP
fsr-3450	150	21	debt	debt	NOUN
fsr-3450	150	22	restructuring	restructuring	NOUN
fsr-3450	150	23	and	and	CCONJ
fsr-3450	150	24	liability	liability	NOUN
fsr-3450	150	25	management	management	NOUN
fsr-3450	150	26	with	with	ADP
fsr-3450	150	27	assistance	assistance	NOUN
fsr-3450	150	28	from	from	ADP
fsr-3450	150	29	their	their	PRON
fsr-3450	150	30	financial	financial	ADJ
fsr-3450	150	31	planners	planner	NOUN
fsr-3450	150	32	and	and	CCONJ
fsr-3450	150	33	advisors	advisor	NOUN
fsr-3450	150	34	.	.	PUNCT
fsr-3450	151	1	because	because	SCONJ
fsr-3450	151	2	of	of	ADP
fsr-3450	151	3	the	the	DET
fsr-3450	151	4	nature	nature	NOUN
fsr-3450	151	5	of	of	ADP
fsr-3450	151	6	the	the	DET
fsr-3450	151	7	scf	scf	PROPN
fsr-3450	151	8	data	datum	NOUN
fsr-3450	151	9	,	,	PUNCT
fsr-3450	151	10	which	which	PRON
fsr-3450	151	11	oversamples	oversample	VERB
fsr-3450	151	12	high	high	ADJ
fsr-3450	151	13	-	-	PUNCT
fsr-3450	151	14	income	income	NOUN
fsr-3450	151	15	households	household	NOUN
fsr-3450	151	16	(	(	PUNCT
fsr-3450	151	17	aizcorbe	aizcorbe	NOUN
fsr-3450	151	18	,	,	PUNCT
fsr-3450	151	19	2003	2003	NUM
fsr-3450	151	20	;	;	PUNCT
fsr-3450	151	21	nielsen	nielsen	PROPN
fsr-3450	151	22	2015	2015	NUM
fsr-3450	151	23	)	)	PUNCT
fsr-3450	151	24	,	,	PUNCT
fsr-3450	151	25	we	we	PRON
fsr-3450	151	26	apply	apply	VERB
fsr-3450	151	27	sample	sample	NOUN
fsr-3450	151	28	weights	weight	NOUN
fsr-3450	151	29	to	to	ADP
fsr-3450	151	30	all	all	DET
fsr-3450	151	31	the	the	DET
fsr-3450	151	32	empirical	empirical	ADJ
fsr-3450	151	33	analyses	analysis	NOUN
fsr-3450	151	34	.	.	PUNCT
fsr-3450	152	1	in	in	ADP
fsr-3450	152	2	addition	addition	NOUN
fsr-3450	152	3	to	to	ADP
fsr-3450	152	4	focusing	focus	VERB
fsr-3450	152	5	only	only	ADV
fsr-3450	152	6	on	on	ADP
fsr-3450	152	7	households	household	NOUN
fsr-3450	152	8	with	with	ADP
fsr-3450	152	9	less	less	ADJ
fsr-3450	152	10	than	than	ADP
fsr-3450	152	11	$	$	SYM
fsr-3450	152	12	1	1	NUM
fsr-3450	152	13	million	million	NUM
fsr-3450	152	14	in	in	ADP
fsr-3450	152	15	financial	financial	ADJ
fsr-3450	152	16	assets	asset	NOUN
fsr-3450	152	17	,	,	PUNCT
fsr-3450	152	18	we	we	PRON
fsr-3450	152	19	also	also	ADV
fsr-3450	152	20	restricted	restrict	VERB
fsr-3450	152	21	the	the	DET
fsr-3450	152	22	opportunity	opportunity	NOUN
fsr-3450	152	23	set	set	VERB
fsr-3450	152	24	to	to	ADP
fsr-3450	152	25	households	household	NOUN
fsr-3450	152	26	whose	whose	DET
fsr-3450	152	27	head	head	NOUN
fsr-3450	152	28	is	be	AUX
fsr-3450	152	29	between	between	ADP
fsr-3450	152	30	20	20	NUM
fsr-3450	152	31	and	and	CCONJ
fsr-3450	152	32	85	85	NUM
fsr-3450	152	33	years	year	NOUN
fsr-3450	152	34	old	old	ADJ
fsr-3450	152	35	and	and	CCONJ
fsr-3450	152	36	that	that	PRON
fsr-3450	152	37	had	have	VERB
fsr-3450	152	38	an	an	DET
fsr-3450	152	39	annual	annual	ADJ
fsr-3450	152	40	family	family	NOUN
fsr-3450	152	41	income	income	NOUN
fsr-3450	152	42	of	of	ADP
fsr-3450	152	43	at	at	ADV
fsr-3450	152	44	least	least	ADV
fsr-3450	152	45	$	$	SYM
fsr-3450	152	46	1,000	1,000	NUM
fsr-3450	152	47	.	.	PUNCT
fsr-3450	153	1	after	after	ADP
fsr-3450	153	2	applying	apply	VERB
fsr-3450	153	3	these	these	DET
fsr-3450	153	4	restrictions	restriction	NOUN
fsr-3450	153	5	,	,	PUNCT
fsr-3450	153	6	our	our	PRON
fsr-3450	153	7	analysis	analysis	NOUN
fsr-3450	153	8	sample	sample	NOUN
fsr-3450	153	9	is	be	AUX
fsr-3450	153	10	reduced	reduce	VERB
fsr-3450	153	11	to	to	ADP
fsr-3450	153	12	4,481	4,481	NUM
fsr-3450	153	13	households	household	NOUN
fsr-3450	153	14	(	(	PUNCT
fsr-3450	153	15	see	see	VERB
fsr-3450	153	16	appendix	appendix	NOUN
fsr-3450	153	17	b	b	NOUN
fsr-3450	153	18	for	for	ADP
fsr-3450	153	19	descriptive	descriptive	ADJ
fsr-3450	153	20	statistics	statistic	NOUN
fsr-3450	153	21	of	of	ADP
fsr-3450	153	22	the	the	DET
fsr-3450	153	23	analysis	analysis	NOUN
fsr-3450	153	24	sample	sample	NOUN
fsr-3450	153	25	)	)	PUNCT
fsr-3450	153	26	.	.	PUNCT
fsr-3450	154	1	because	because	SCONJ
fsr-3450	154	2	each	each	DET
fsr-3450	154	3	household	household	NOUN
fsr-3450	154	4	in	in	ADP
fsr-3450	154	5	the	the	DET
fsr-3450	154	6	2016	2016	NUM
fsr-3450	154	7	scf	scf	PROPN
fsr-3450	154	8	data	datum	NOUN
fsr-3450	154	9	has	have	VERB
fsr-3450	154	10	five	five	NUM
fsr-3450	154	11	implicates	implicate	NOUN
fsr-3450	154	12	,	,	PUNCT
fsr-3450	154	13	the	the	DET
fsr-3450	154	14	total	total	ADJ
fsr-3450	154	15	number	number	NOUN
fsr-3450	154	16	of	of	ADP
fsr-3450	154	17	observations	observation	NOUN
fsr-3450	154	18	in	in	ADP
fsr-3450	154	19	our	our	PRON
fsr-3450	154	20	analysis	analysis	NOUN
fsr-3450	154	21	sample	sample	NOUN
fsr-3450	154	22	is	be	AUX
fsr-3450	154	23	22,415.9	22,415.9	NUM
fsr-3450	154	24	to	to	PART
fsr-3450	154	25	cope	cope	VERB
fsr-3450	154	26	with	with	ADP
fsr-3450	154	27	the	the	DET
fsr-3450	154	28	dual	dual	ADJ
fsr-3450	154	29	-	-	PUNCT
fsr-3450	154	30	frame	frame	NOUN
fsr-3450	154	31	complex	complex	ADJ
fsr-3450	154	32	sample	sample	NOUN
fsr-3450	154	33	design	design	NOUN
fsr-3450	154	34	and	and	CCONJ
fsr-3450	154	35	the	the	DET
fsr-3450	154	36	multiple	multiple	ADJ
fsr-3450	154	37	-	-	PUNCT
fsr-3450	154	38	imputation	imputation	NOUN
fsr-3450	154	39	process	process	NOUN
fsr-3450	154	40	of	of	ADP
fsr-3450	154	41	the	the	DET
fsr-3450	154	42	scf	scf	PROPN
fsr-3450	154	43	data	datum	NOUN
fsr-3450	154	44	,	,	PUNCT
fsr-3450	154	45	this	this	DET
fsr-3450	154	46	study	study	NOUN
fsr-3450	154	47	use	use	VERB
fsr-3450	154	48	the	the	DET
fsr-3450	154	49	“	"	PUNCT
fsr-3450	154	50	scfcombo	scfcombo	NOUN
fsr-3450	154	51	”	"	PUNCT
fsr-3450	154	52	stata	stata	PROPN
fsr-3450	154	53	macro	macro	NOUN
fsr-3450	154	54	designed	design	VERB
fsr-3450	154	55	by	by	ADP
fsr-3450	154	56	nielsen	nielsen	PROPN
fsr-3450	154	57	(	(	PUNCT
fsr-3450	154	58	2015	2015	NUM
fsr-3450	154	59	)	)	PUNCT
fsr-3450	154	60	to	to	PART
fsr-3450	154	61	conduct	conduct	VERB
fsr-3450	154	62	our	our	PRON
fsr-3450	154	63	regression	regression	NOUN
fsr-3450	154	64	analyses.10	analyses.10	ADV
fsr-3450	154	65	5	5	NUM
fsr-3450	154	66	.	.	NOUN
fsr-3450	154	67	results	result	NOUN
fsr-3450	154	68	and	and	CCONJ
fsr-3450	154	69	discussion	discussion	VERB
fsr-3450	154	70	the	the	DET
fsr-3450	154	71	regression	regression	NOUN
fsr-3450	154	72	analyses	analysis	NOUN
fsr-3450	154	73	used	use	VERB
fsr-3450	154	74	in	in	ADP
fsr-3450	154	75	this	this	DET
fsr-3450	154	76	article	article	NOUN
fsr-3450	154	77	follow	follow	VERB
fsr-3450	154	78	these	these	DET
fsr-3450	154	79	steps	step	NOUN
fsr-3450	154	80	:	:	PUNCT
fsr-3450	154	81	first	first	ADV
fsr-3450	154	82	,	,	PUNCT
fsr-3450	154	83	we	we	PRON
fsr-3450	154	84	use	use	VERB
fsr-3450	154	85	probit	probit	NOUN
fsr-3450	154	86	and	and	CCONJ
fsr-3450	154	87	ordinary	ordinary	ADJ
fsr-3450	154	88	least	least	ADJ
fsr-3450	154	89	squares	square	NOUN
fsr-3450	154	90	(	(	PUNCT
fsr-3450	154	91	ols	ol	NOUN
fsr-3450	154	92	)	)	PUNCT
fsr-3450	154	93	regressions	regression	NOUN
fsr-3450	154	94	to	to	PART
fsr-3450	154	95	study	study	VERB
fsr-3450	154	96	what	what	DET
fsr-3450	154	97	factors	factor	NOUN
fsr-3450	154	98	are	be	AUX
fsr-3450	154	99	associated	associate	VERB
fsr-3450	154	100	with	with	ADP
fsr-3450	154	101	household	household	NOUN
fsr-3450	154	102	debt	debt	NOUN
fsr-3450	154	103	.	.	PUNCT
fsr-3450	155	1	we	we	PRON
fsr-3450	155	2	look	look	VERB
fsr-3450	155	3	at	at	ADP
fsr-3450	155	4	the	the	DET
fsr-3450	155	5	economic	economic	ADJ
fsr-3450	155	6	,	,	PUNCT
fsr-3450	155	7	demographic	demographic	ADJ
fsr-3450	155	8	,	,	PUNCT
fsr-3450	155	9	and	and	CCONJ
fsr-3450	155	10	behavioral	behavioral	ADJ
fsr-3450	155	11	factors	factor	NOUN
fsr-3450	155	12	that	that	PRON
fsr-3450	155	13	could	could	AUX
fsr-3450	155	14	potentially	potentially	ADV
fsr-3450	155	15	impact	impact	VERB
fsr-3450	155	16	the	the	DET
fsr-3450	155	17	likelihood	likelihood	NOUN
fsr-3450	155	18	of	of	ADP
fsr-3450	155	19	carrying	carry	VERB
fsr-3450	155	20	household	household	NOUN
fsr-3450	155	21	debt	debt	NOUN
fsr-3450	155	22	,	,	PUNCT
fsr-3450	155	23	the	the	DET
fsr-3450	155	24	total	total	ADJ
fsr-3450	155	25	debt	debt	NOUN
fsr-3450	155	26	amount	amount	NOUN
fsr-3450	155	27	,	,	PUNCT
fsr-3450	155	28	the	the	DET
fsr-3450	155	29	debt	debt	NOUN
fsr-3450	155	30	-	-	PUNCT
fsr-3450	155	31	to	to	ADP
fsr-3450	155	32	-	-	PUNCT
fsr-3450	155	33	financial	financial	ADJ
fsr-3450	155	34	-	-	PUNCT
fsr-3450	155	35	asset	asset	NOUN
fsr-3450	155	36	ratio	ratio	NOUN
fsr-3450	155	37	,	,	PUNCT
fsr-3450	155	38	and	and	CCONJ
fsr-3450	155	39	the	the	DET
fsr-3450	155	40	debt	debt	NOUN
fsr-3450	155	41	-	-	PUNCT
fsr-3450	155	42	to	to	ADP
fsr-3450	155	43	-	-	PUNCT
fsr-3450	155	44	income	income	NOUN
fsr-3450	155	45	ratio	ratio	NOUN
fsr-3450	155	46	.	.	PUNCT
fsr-3450	156	1	second	second	ADJ
fsr-3450	156	2	,	,	PUNCT
fsr-3450	156	3	we	we	PRON
fsr-3450	156	4	isolate	isolate	VERB
fsr-3450	156	5	what	what	PRON
fsr-3450	156	6	are	be	AUX
fsr-3450	156	7	frequently	frequently	ADV
fsr-3450	156	8	considered	consider	VERB
fsr-3450	156	9	bad	bad	ADJ
fsr-3450	156	10	debts	debt	NOUN
fsr-3450	156	11	(	(	PUNCT
fsr-3450	156	12	represented	represent	VERB
fsr-3450	156	13	by	by	ADP
fsr-3450	156	14	credit	credit	NOUN
fsr-3450	156	15	card	card	NOUN
fsr-3450	156	16	debts	debt	NOUN
fsr-3450	156	17	)	)	PUNCT
fsr-3450	156	18	and	and	CCONJ
fsr-3450	156	19	compare	compare	VERB
fsr-3450	156	20	them	they	PRON
fsr-3450	156	21	with	with	ADP
fsr-3450	156	22	debts	debt	NOUN
fsr-3450	156	23	that	that	PRON
fsr-3450	156	24	are	be	AUX
fsr-3450	156	25	typically	typically	ADV
fsr-3450	156	26	viewed	view	VERB
fsr-3450	156	27	as	as	ADP
fsr-3450	156	28	good	good	ADJ
fsr-3450	156	29	debts	debt	NOUN
fsr-3450	156	30	(	(	PUNCT
fsr-3450	156	31	represented	represent	VERB
fsr-3450	156	32	by	by	ADP
fsr-3450	156	33	mortgages	mortgage	NOUN
fsr-3450	156	34	)	)	PUNCT
fsr-3450	156	35	to	to	PART
fsr-3450	156	36	see	see	VERB
fsr-3450	156	37	whether	whether	SCONJ
fsr-3450	156	38	the	the	DET
fsr-3450	156	39	factors	factor	NOUN
fsr-3450	156	40	associated	associate	VERB
fsr-3450	156	41	with	with	ADP
fsr-3450	156	42	different	different	ADJ
fsr-3450	156	43	debt	debt	NOUN
fsr-3450	156	44	categories	category	NOUN
fsr-3450	156	45	are	be	AUX
fsr-3450	156	46	similar	similar	ADJ
fsr-3450	156	47	.	.	PUNCT
fsr-3450	157	1	then	then	ADV
fsr-3450	157	2	,	,	PUNCT
fsr-3450	157	3	we	we	PRON
fsr-3450	157	4	utilize	utilize	VERB
fsr-3450	157	5	different	different	ADJ
fsr-3450	157	6	interest	interest	NOUN
fsr-3450	157	7	rate	rate	NOUN
fsr-3450	157	8	measures	measure	NOUN
fsr-3450	157	9	to	to	PART
fsr-3450	157	10	check	check	VERB
fsr-3450	157	11	the	the	DET
fsr-3450	157	12	attributes	attribute	NOUN
fsr-3450	157	13	that	that	PRON
fsr-3450	157	14	relate	relate	VERB
fsr-3450	157	15	to	to	ADP
fsr-3450	157	16	high	high	ADJ
fsr-3450	157	17	interest	interest	NOUN
fsr-3450	157	18	rates	rate	NOUN
fsr-3450	157	19	.	.	PUNCT
fsr-3450	158	1	finally	finally	ADV
fsr-3450	158	2	,	,	PUNCT
fsr-3450	158	3	we	we	PRON
fsr-3450	158	4	perform	perform	VERB
fsr-3450	158	5	alphaequivalent	alphaequivalent	ADJ
fsr-3450	158	6	analyses	analysis	NOUN
fsr-3450	158	7	and	and	CCONJ
fsr-3450	158	8	calculated	calculate	VERB
fsr-3450	158	9	the	the	DET
fsr-3450	158	10	potential	potential	ADJ
fsr-3450	158	11	savings	saving	NOUN
fsr-3450	158	12	to	to	PART
fsr-3450	158	13	demonstrate	demonstrate	VERB
fsr-3450	158	14	the	the	DET
fsr-3450	158	15	impact	impact	NOUN
fsr-3450	158	16	of	of	ADP
fsr-3450	158	17	liability	liability	NOUN
fsr-3450	158	18	management	management	NOUN
fsr-3450	158	19	and	and	CCONJ
fsr-3450	158	20	interest	interest	NOUN
fsr-3450	158	21	rate	rate	NOUN
fsr-3450	158	22	reduction	reduction	NOUN
fsr-3450	158	23	from	from	ADP
fsr-3450	158	24	a	a	DET
fsr-3450	158	25	financial	financial	ADJ
fsr-3450	158	26	asset	asset	NOUN
fsr-3450	158	27	perspective	perspective	NOUN
fsr-3450	158	28	.	.	PUNCT
fsr-3450	159	1	detailed	detailed	ADJ
fsr-3450	159	2	descriptions	description	NOUN
fsr-3450	159	3	and	and	CCONJ
fsr-3450	159	4	summary	summary	NOUN
fsr-3450	159	5	statistics	statistic	NOUN
fsr-3450	159	6	of	of	ADP
fsr-3450	159	7	the	the	DET
fsr-3450	159	8	variables	variable	NOUN
fsr-3450	159	9	used	use	VERB
fsr-3450	159	10	in	in	ADP
fsr-3450	159	11	the	the	DET
fsr-3450	159	12	regression	regression	NOUN
fsr-3450	159	13	analyses	analysis	NOUN
fsr-3450	159	14	are	be	AUX
fsr-3450	159	15	presented	present	VERB
fsr-3450	159	16	in	in	ADP
fsr-3450	159	17	appendix	appendix	PROPN
fsr-3450	159	18	b.	b.	PROPN
fsr-3450	159	19	table	table	NOUN
fsr-3450	159	20	1	1	NUM
fsr-3450	159	21	presents	present	VERB
fsr-3450	159	22	the	the	DET
fsr-3450	159	23	results	result	NOUN
fsr-3450	159	24	of	of	ADP
fsr-3450	159	25	the	the	DET
fsr-3450	159	26	probit	probit	NOUN
fsr-3450	159	27	and	and	CCONJ
fsr-3450	159	28	ols	ol	NOUN
fsr-3450	159	29	regressions	regression	NOUN
fsr-3450	159	30	to	to	PART
fsr-3450	159	31	better	well	ADV
fsr-3450	159	32	understand	understand	VERB
fsr-3450	159	33	what	what	PRON
fsr-3450	159	34	factors	factor	NOUN
fsr-3450	159	35	are	be	AUX
fsr-3450	159	36	associated	associate	VERB
fsr-3450	159	37	with	with	ADP
fsr-3450	159	38	household	household	NOUN
fsr-3450	159	39	debts	debt	NOUN
fsr-3450	159	40	.	.	PUNCT
fsr-3450	160	1	the	the	DET
fsr-3450	160	2	dependent	dependent	ADJ
fsr-3450	160	3	variables	variable	NOUN
fsr-3450	160	4	in	in	ADP
fsr-3450	160	5	these	these	DET
fsr-3450	160	6	regressions	regression	NOUN
fsr-3450	160	7	include	include	VERB
fsr-3450	160	8	“	"	PUNCT
fsr-3450	160	9	whether	whether	SCONJ
fsr-3450	160	10	the	the	DET
fsr-3450	160	11	household	household	NOUN
fsr-3450	160	12	carries	carry	VERB
fsr-3450	160	13	debt	debt	NOUN
fsr-3450	160	14	,	,	PUNCT
fsr-3450	160	15	”	"	PUNCT
fsr-3450	160	16	“	"	PUNCT
fsr-3450	160	17	total	total	ADJ
fsr-3450	160	18	debt	debt	NOUN
fsr-3450	160	19	amount	amount	NOUN
fsr-3450	160	20	,	,	PUNCT
fsr-3450	160	21	”	"	PUNCT
fsr-3450	160	22	“	"	PUNCT
fsr-3450	160	23	debt	debt	NOUN
fsr-3450	160	24	to	to	ADP
fsr-3450	160	25	financial	financial	ADJ
fsr-3450	160	26	asset	asset	NOUN
fsr-3450	160	27	ratio	ratio	NOUN
fsr-3450	160	28	,	,	PUNCT
fsr-3450	160	29	”	"	PUNCT
fsr-3450	160	30	and	and	CCONJ
fsr-3450	160	31	“	"	PUNCT
fsr-3450	160	32	debt	debt	NOUN
fsr-3450	160	33	to	to	ADP
fsr-3450	160	34	income	income	NOUN
fsr-3450	160	35	ratio	ratio	NOUN
fsr-3450	160	36	.	.	PUNCT
fsr-3450	160	37	”	"	PUNCT
fsr-3450	161	1	the	the	DET
fsr-3450	161	2	marginal	marginal	ADJ
fsr-3450	161	3	effect	effect	NOUN
fsr-3450	161	4	results	result	NOUN
fsr-3450	161	5	of	of	ADP
fsr-3450	161	6	the	the	DET
fsr-3450	161	7	probit	probit	NOUN
fsr-3450	161	8	regression	regression	NOUN
fsr-3450	161	9	in	in	ADP
fsr-3450	161	10	table	table	NOUN
fsr-3450	161	11	1	1	NUM
fsr-3450	161	12	provide	provide	VERB
fsr-3450	161	13	a	a	DET
fsr-3450	161	14	general	general	ADJ
fsr-3450	161	15	picture	picture	NOUN
fsr-3450	161	16	of	of	ADP
fsr-3450	161	17	what	what	DET
fsr-3450	161	18	factors	factor	NOUN
fsr-3450	161	19	are	be	AUX
fsr-3450	161	20	associated	associate	VERB
fsr-3450	161	21	with	with	ADP
fsr-3450	161	22	low	low	ADJ
fsr-3450	161	23	-	-	PUNCT
fsr-3450	161	24	to	to	ADP
fsr-3450	161	25	-	-	PUNCT
fsr-3450	161	26	affluent	affluent	ADJ
fsr-3450	161	27	american	american	ADJ
fsr-3450	161	28	families	family	NOUN
fsr-3450	161	29	’	’	PART
fsr-3450	161	30	debt	debt	NOUN
fsr-3450	161	31	holdings	holding	NOUN
fsr-3450	161	32	.	.	PUNCT
fsr-3450	162	1	the	the	DET
fsr-3450	162	2	ols	ols	PROPN
fsr-3450	162	3	regression	regression	NOUN
fsr-3450	162	4	demonstrates	demonstrate	VERB
fsr-3450	162	5	the	the	DET
fsr-3450	162	6	impact	impact	NOUN
fsr-3450	162	7	on	on	ADP
fsr-3450	162	8	household	household	NOUN
fsr-3450	162	9	debt	debt	NOUN
fsr-3450	162	10	amounts	amount	VERB
fsr-3450	162	11	from	from	ADP
fsr-3450	162	12	each	each	PRON
fsr-3450	162	13	of	of	ADP
fsr-3450	162	14	these	these	DET
fsr-3450	162	15	factors	factor	NOUN
fsr-3450	162	16	.	.	PUNCT
fsr-3450	163	1	in	in	ADP
fsr-3450	163	2	some	some	DET
fsr-3450	163	3	cases	case	NOUN
fsr-3450	163	4	,	,	PUNCT
fsr-3450	163	5	relatively	relatively	ADV
fsr-3450	163	6	wealthier	wealthy	ADJ
fsr-3450	163	7	families	family	NOUN
fsr-3450	163	8	that	that	PRON
fsr-3450	163	9	are	be	AUX
fsr-3450	163	10	in	in	ADP
fsr-3450	163	11	good	good	ADJ
fsr-3450	163	12	financial	financial	ADJ
fsr-3450	163	13	conditions	condition	NOUN
fsr-3450	163	14	still	still	ADV
fsr-3450	163	15	carry	carry	VERB
fsr-3450	163	16	larger	large	ADJ
fsr-3450	163	17	amount	amount	NOUN
fsr-3450	163	18	of	of	ADP
fsr-3450	163	19	debt	debt	NOUN
fsr-3450	163	20	due	due	ADP
fsr-3450	163	21	to	to	ADP
fsr-3450	163	22	their	their	PRON
fsr-3450	163	23	high	high	ADJ
fsr-3450	163	24	income	income	NOUN
fsr-3450	163	25	or	or	CCONJ
fsr-3450	163	26	sizeable	sizeable	ADJ
fsr-3450	163	27	financial	financial	ADJ
fsr-3450	163	28	asset	asset	NOUN
fsr-3450	163	29	accumulations	accumulation	NOUN
fsr-3450	163	30	.	.	PUNCT
fsr-3450	164	1	while	while	SCONJ
fsr-3450	164	2	some	some	DET
fsr-3450	164	3	financially	financially	ADV
fsr-3450	164	4	challenged	challenge	VERB
fsr-3450	164	5	families	family	NOUN
fsr-3450	164	6	might	might	AUX
fsr-3450	164	7	not	not	PART
fsr-3450	164	8	be	be	AUX
fsr-3450	164	9	carrying	carry	VERB
fsr-3450	164	10	a	a	DET
fsr-3450	164	11	sizable	sizable	ADJ
fsr-3450	164	12	sum	sum	NOUN
fsr-3450	164	13	of	of	ADP
fsr-3450	164	14	debt	debt	NOUN
fsr-3450	164	15	in	in	ADP
fsr-3450	164	16	terms	term	NOUN
fsr-3450	164	17	of	of	ADP
fsr-3450	164	18	dollar	dollar	NOUN
fsr-3450	164	19	amounts	amount	NOUN
fsr-3450	164	20	,	,	PUNCT
fsr-3450	164	21	these	these	DET
fsr-3450	164	22	debts	debt	NOUN
fsr-3450	164	23	are	be	AUX
fsr-3450	164	24	typically	typically	ADV
fsr-3450	164	25	detrimental	detrimental	ADJ
fsr-3450	164	26	to	to	ADP
fsr-3450	164	27	their	their	PRON
fsr-3450	164	28	financial	financial	ADJ
fsr-3450	164	29	well	well	NOUN
fsr-3450	164	30	-	-	PUNCT
fsr-3450	164	31	being	being	NOUN
fsr-3450	164	32	compared	compare	VERB
fsr-3450	164	33	with	with	ADP
fsr-3450	164	34	their	their	PRON
fsr-3450	164	35	income	income	NOUN
fsr-3450	164	36	and	and	CCONJ
fsr-3450	164	37	asset	asset	NOUN
fsr-3450	164	38	levels	level	NOUN
fsr-3450	164	39	.	.	PUNCT
fsr-3450	165	1	to	to	PART
fsr-3450	165	2	consider	consider	VERB
fsr-3450	165	3	these	these	DET
fsr-3450	165	4	cases	case	NOUN
fsr-3450	165	5	,	,	PUNCT
fsr-3450	165	6	we	we	PRON
fsr-3450	165	7	analyze	analyze	VERB
fsr-3450	165	8	the	the	DET
fsr-3450	165	9	debt	debt	NOUN
fsr-3450	165	10	-	-	PUNCT
fsr-3450	165	11	to	to	ADP
fsr-3450	165	12	-	-	PUNCT
fsr-3450	165	13	financial	financial	ADJ
fsr-3450	165	14	-	-	PUNCT
fsr-3450	165	15	asset	asset	NOUN
fsr-3450	165	16	ratio	ratio	NOUN
fsr-3450	165	17	and	and	CCONJ
fsr-3450	165	18	the	the	DET
fsr-3450	165	19	debt	debt	NOUN
fsr-3450	165	20	-	-	PUNCT
fsr-3450	165	21	to130	to130	NOUN
fsr-3450	165	22	z.	z.	PROPN
fsr-3450	165	23	liu	liu	PROPN
fsr-3450	165	24	and	and	CCONJ
fsr-3450	165	25	d.	d.	PROPN
fsr-3450	165	26	m.	m.	PROPN
fsr-3450	165	27	blanchett	blanchett	PROPN
fsr-3450	165	28	/	/	SYM
fsr-3450	165	29	financial	financial	ADJ
fsr-3450	165	30	services	service	NOUN
fsr-3450	165	31	review	review	VERB
fsr-3450	165	32	29	29	NUM
fsr-3450	165	33	(	(	PUNCT
fsr-3450	165	34	2021	2021	NUM
fsr-3450	165	35	)	)	PUNCT
fsr-3450	166	1	121–145	121–145	NUM
fsr-3450	166	2	income	income	NOUN
fsr-3450	166	3	ratio	ratio	NOUN
fsr-3450	166	4	in	in	ADP
fsr-3450	166	5	comparison	comparison	NOUN
fsr-3450	166	6	with	with	ADP
fsr-3450	166	7	the	the	DET
fsr-3450	166	8	analyses	analysis	NOUN
fsr-3450	166	9	on	on	ADP
fsr-3450	166	10	the	the	DET
fsr-3450	166	11	likelihood	likelihood	NOUN
fsr-3450	166	12	of	of	ADP
fsr-3450	166	13	having	have	VERB
fsr-3450	166	14	debts	debt	NOUN
fsr-3450	166	15	and	and	CCONJ
fsr-3450	166	16	the	the	DET
fsr-3450	166	17	total	total	ADJ
fsr-3450	166	18	debt	debt	NOUN
fsr-3450	166	19	amount	amount	NOUN
fsr-3450	166	20	.	.	PUNCT
fsr-3450	167	1	the	the	DET
fsr-3450	167	2	intertemporal	intertemporal	ADJ
fsr-3450	167	3	model	model	NOUN
fsr-3450	167	4	discussed	discuss	VERB
fsr-3450	167	5	in	in	ADP
fsr-3450	167	6	the	the	DET
fsr-3450	167	7	theory	theory	NOUN
fsr-3450	167	8	section	section	NOUN
fsr-3450	167	9	above	above	ADV
fsr-3450	167	10	suggests	suggest	VERB
fsr-3450	167	11	that	that	SCONJ
fsr-3450	167	12	time	time	NOUN
fsr-3450	167	13	discounting	discount	VERB
fsr-3450	167	14	preference	preference	NOUN
fsr-3450	167	15	should	should	AUX
fsr-3450	167	16	affect	affect	VERB
fsr-3450	167	17	households	household	NOUN
fsr-3450	167	18	’	'	PUNCT
fsr-3450	167	19	consumption	consumption	NOUN
fsr-3450	167	20	smoothing	smoothing	NOUN
fsr-3450	167	21	behaviors	behavior	NOUN
fsr-3450	167	22	significantly	significantly	ADV
fsr-3450	167	23	.	.	PUNCT
fsr-3450	168	1	therefore	therefore	ADV
fsr-3450	168	2	,	,	PUNCT
fsr-3450	168	3	we	we	PRON
fsr-3450	168	4	expect	expect	VERB
fsr-3450	168	5	to	to	PART
fsr-3450	168	6	see	see	VERB
fsr-3450	168	7	from	from	ADP
fsr-3450	168	8	the	the	DET
fsr-3450	168	9	results	result	NOUN
fsr-3450	168	10	in	in	ADP
fsr-3450	168	11	table	table	NOUN
fsr-3450	168	12	1	1	NUM
fsr-3450	168	13	that	that	SCONJ
fsr-3450	168	14	households	household	NOUN
fsr-3450	168	15	with	with	ADP
fsr-3450	168	16	longer	long	ADJ
fsr-3450	168	17	financial	financial	ADJ
fsr-3450	168	18	planning	planning	NOUN
fsr-3450	168	19	horizons	horizon	NOUN
fsr-3450	168	20	are	be	AUX
fsr-3450	168	21	less	less	ADV
fsr-3450	168	22	likely	likely	ADJ
fsr-3450	168	23	to	to	PART
fsr-3450	168	24	carry	carry	VERB
fsr-3450	168	25	debt	debt	NOUN
fsr-3450	168	26	,	,	PUNCT
fsr-3450	168	27	have	have	VERB
fsr-3450	168	28	lower	low	ADJ
fsr-3450	168	29	debt	debt	NOUN
fsr-3450	168	30	-	-	PUNCT
fsr-3450	168	31	to	to	ADP
fsr-3450	168	32	-	-	PUNCT
fsr-3450	168	33	asset	asset	NOUN
fsr-3450	168	34	ratio	ratio	NOUN
fsr-3450	168	35	as	as	ADV
fsr-3450	168	36	well	well	ADV
fsr-3450	168	37	as	as	ADP
fsr-3450	168	38	lower	low	ADJ
fsr-3450	168	39	debt	debt	NOUN
fsr-3450	168	40	-	-	PUNCT
fsr-3450	168	41	to	to	ADP
fsr-3450	168	42	-	-	PUNCT
fsr-3450	168	43	income	income	NOUN
fsr-3450	168	44	ratio	ratio	NOUN
fsr-3450	168	45	.	.	PUNCT
fsr-3450	169	1	in	in	ADP
fsr-3450	169	2	addition	addition	NOUN
fsr-3450	169	3	,	,	PUNCT
fsr-3450	169	4	we	we	PRON
fsr-3450	169	5	expect	expect	VERB
fsr-3450	169	6	to	to	PART
fsr-3450	169	7	see	see	VERB
fsr-3450	169	8	a	a	DET
fsr-3450	169	9	significant	significant	ADJ
fsr-3450	169	10	negative	negative	ADJ
fsr-3450	169	11	relationship	relationship	NOUN
fsr-3450	169	12	between	between	ADP
fsr-3450	169	13	the	the	DET
fsr-3450	169	14	households	household	NOUN
fsr-3450	169	15	’	'	PUNCT
fsr-3450	169	16	liquid	liquid	ADJ
fsr-3450	169	17	asset	asset	NOUN
fsr-3450	169	18	levels	level	NOUN
fsr-3450	169	19	and	and	CCONJ
fsr-3450	169	20	the	the	DET
fsr-3450	169	21	likelihood	likelihood	NOUN
fsr-3450	169	22	of	of	ADP
fsr-3450	169	23	carrying	carry	VERB
fsr-3450	169	24	debts	debt	NOUN
fsr-3450	169	25	,	,	PUNCT
fsr-3450	169	26	total	total	ADJ
fsr-3450	169	27	debt	debt	NOUN
fsr-3450	169	28	amount	amount	NOUN
fsr-3450	169	29	as	as	ADV
fsr-3450	169	30	well	well	ADV
fsr-3450	169	31	as	as	ADP
fsr-3450	169	32	debt	debt	NOUN
fsr-3450	169	33	-	-	PUNCT
fsr-3450	169	34	to	to	ADP
fsr-3450	169	35	-	-	PUNCT
fsr-3450	169	36	income	income	NOUN
fsr-3450	169	37	ratio	ratio	NOUN
fsr-3450	169	38	.	.	PUNCT
fsr-3450	170	1	based	base	VERB
fsr-3450	170	2	on	on	ADP
fsr-3450	170	3	the	the	DET
fsr-3450	170	4	results	result	NOUN
fsr-3450	170	5	in	in	ADP
fsr-3450	170	6	table	table	NOUN
fsr-3450	170	7	1	1	NUM
fsr-3450	170	8	,	,	PUNCT
fsr-3450	170	9	married	married	ADJ
fsr-3450	170	10	families	family	NOUN
fsr-3450	170	11	and	and	CCONJ
fsr-3450	170	12	households	household	NOUN
fsr-3450	170	13	with	with	ADP
fsr-3450	170	14	children	child	NOUN
fsr-3450	170	15	are	be	AUX
fsr-3450	170	16	more	more	ADV
fsr-3450	170	17	likely	likely	ADJ
fsr-3450	170	18	to	to	PART
fsr-3450	170	19	carry	carry	VERB
fsr-3450	170	20	debts	debt	NOUN
fsr-3450	170	21	.	.	PUNCT
fsr-3450	171	1	families	family	NOUN
fsr-3450	171	2	that	that	PRON
fsr-3450	171	3	own	own	ADJ
fsr-3450	171	4	houses	house	NOUN
fsr-3450	171	5	are	be	AUX
fsr-3450	171	6	much	much	ADV
fsr-3450	171	7	more	more	ADV
fsr-3450	171	8	likely	likely	ADJ
fsr-3450	171	9	to	to	PART
fsr-3450	171	10	borrow	borrow	VERB
fsr-3450	171	11	,	,	PUNCT
fsr-3450	171	12	and	and	CCONJ
fsr-3450	171	13	the	the	DET
fsr-3450	171	14	more	more	ADV
fsr-3450	171	15	real	real	ADJ
fsr-3450	171	16	assets	asset	NOUN
fsr-3450	171	17	a	a	DET
fsr-3450	171	18	family	family	NOUN
fsr-3450	171	19	owns	own	VERB
fsr-3450	171	20	,	,	PUNCT
fsr-3450	171	21	the	the	PRON
fsr-3450	171	22	more	more	ADV
fsr-3450	171	23	likely	likely	ADJ
fsr-3450	171	24	this	this	DET
fsr-3450	171	25	family	family	NOUN
fsr-3450	171	26	is	be	AUX
fsr-3450	171	27	to	to	PART
fsr-3450	171	28	carry	carry	VERB
fsr-3450	171	29	debts	debt	NOUN
fsr-3450	171	30	.	.	PUNCT
fsr-3450	172	1	liquid	liquid	ADJ
fsr-3450	172	2	assets	asset	NOUN
fsr-3450	172	3	and	and	CCONJ
fsr-3450	172	4	age	age	NOUN
fsr-3450	172	5	are	be	AUX
fsr-3450	172	6	negatively	negatively	ADV
fsr-3450	172	7	related	relate	VERB
fsr-3450	172	8	to	to	ADP
fsr-3450	172	9	the	the	DET
fsr-3450	172	10	likelihood	likelihood	NOUN
fsr-3450	172	11	of	of	ADP
fsr-3450	172	12	having	have	VERB
fsr-3450	172	13	debts	debt	NOUN
fsr-3450	172	14	.	.	PUNCT
fsr-3450	173	1	this	this	PRON
fsr-3450	173	2	is	be	AUX
fsr-3450	173	3	most	most	ADV
fsr-3450	173	4	likely	likely	ADJ
fsr-3450	173	5	because	because	SCONJ
fsr-3450	173	6	households	household	NOUN
fsr-3450	173	7	are	be	AUX
fsr-3450	173	8	less	less	ADV
fsr-3450	173	9	likely	likely	ADJ
fsr-3450	173	10	to	to	PART
fsr-3450	173	11	borrow	borrow	VERB
fsr-3450	173	12	if	if	SCONJ
fsr-3450	173	13	they	they	PRON
fsr-3450	173	14	have	have	VERB
fsr-3450	173	15	enough	enough	ADJ
fsr-3450	173	16	liquid	liquid	ADJ
fsr-3450	173	17	assets	asset	NOUN
fsr-3450	173	18	to	to	PART
fsr-3450	173	19	cover	cover	VERB
fsr-3450	173	20	their	their	PRON
fsr-3450	173	21	needs	need	NOUN
fsr-3450	173	22	,	,	PUNCT
fsr-3450	173	23	which	which	PRON
fsr-3450	173	24	supports	support	VERB
fsr-3450	173	25	the	the	DET
fsr-3450	173	26	advocacy	advocacy	NOUN
fsr-3450	173	27	of	of	ADP
fsr-3450	173	28	emergency	emergency	NOUN
fsr-3450	173	29	savings	saving	NOUN
fsr-3450	173	30	through	through	ADP
fsr-3450	173	31	liquid	liquid	ADJ
fsr-3450	173	32	accounts	account	NOUN
fsr-3450	173	33	for	for	ADP
fsr-3450	173	34	the	the	DET
fsr-3450	173	35	general	general	ADJ
fsr-3450	173	36	public	public	NOUN
fsr-3450	173	37	.	.	PUNCT
fsr-3450	174	1	older	old	ADJ
fsr-3450	174	2	families	family	NOUN
fsr-3450	174	3	are	be	AUX
fsr-3450	174	4	less	less	ADV
fsr-3450	174	5	likely	likely	ADJ
fsr-3450	174	6	to	to	PART
fsr-3450	174	7	have	have	VERB
fsr-3450	174	8	debts	debt	NOUN
fsr-3450	174	9	because	because	SCONJ
fsr-3450	174	10	they	they	PRON
fsr-3450	174	11	generally	generally	ADV
fsr-3450	174	12	have	have	AUX
fsr-3450	174	13	had	have	VERB
fsr-3450	174	14	a	a	DET
fsr-3450	174	15	longer	long	ADJ
fsr-3450	174	16	time	time	NOUN
fsr-3450	174	17	to	to	PART
fsr-3450	174	18	accumulate	accumulate	VERB
fsr-3450	174	19	wealth	wealth	NOUN
fsr-3450	174	20	and	and	CCONJ
fsr-3450	174	21	pay	pay	VERB
fsr-3450	174	22	off	off	ADP
fsr-3450	174	23	their	their	PRON
fsr-3450	174	24	various	various	ADJ
fsr-3450	174	25	household	household	NOUN
fsr-3450	174	26	debts	debt	NOUN
fsr-3450	174	27	.	.	PUNCT
fsr-3450	175	1	it	it	PRON
fsr-3450	175	2	appears	appear	VERB
fsr-3450	175	3	to	to	PART
fsr-3450	175	4	be	be	AUX
fsr-3450	175	5	counterintuitive	counterintuitive	ADJ
fsr-3450	175	6	that	that	SCONJ
fsr-3450	175	7	education	education	NOUN
fsr-3450	175	8	and	and	CCONJ
fsr-3450	175	9	income	income	NOUN
fsr-3450	175	10	level	level	NOUN
fsr-3450	175	11	,	,	PUNCT
fsr-3450	175	12	as	as	ADV
fsr-3450	175	13	well	well	ADV
fsr-3450	175	14	as	as	ADP
fsr-3450	175	15	reporting	report	VERB
fsr-3450	175	16	having	have	VERB
fsr-3450	175	17	savings	saving	NOUN
fsr-3450	175	18	,	,	PUNCT
fsr-3450	175	19	are	be	AUX
fsr-3450	175	20	positively	positively	ADV
fsr-3450	175	21	related	relate	VERB
fsr-3450	175	22	to	to	ADP
fsr-3450	175	23	carrying	carry	VERB
fsr-3450	175	24	household	household	NOUN
fsr-3450	175	25	debts	debt	NOUN
fsr-3450	175	26	.	.	PUNCT
fsr-3450	176	1	however	however	ADV
fsr-3450	176	2	,	,	PUNCT
fsr-3450	176	3	if	if	SCONJ
fsr-3450	176	4	we	we	PRON
fsr-3450	176	5	consider	consider	VERB
fsr-3450	176	6	the	the	DET
fsr-3450	176	7	ols	ol	NOUN
fsr-3450	176	8	results	result	VERB
fsr-3450	176	9	together	together	ADV
fsr-3450	176	10	with	with	ADP
fsr-3450	176	11	the	the	DET
fsr-3450	176	12	marginal	marginal	ADJ
fsr-3450	176	13	effects	effect	NOUN
fsr-3450	176	14	of	of	ADP
fsr-3450	176	15	the	the	DET
fsr-3450	176	16	probit	probit	NOUN
fsr-3450	176	17	regression	regression	NOUN
fsr-3450	176	18	,	,	PUNCT
fsr-3450	176	19	the	the	DET
fsr-3450	176	20	impact	impact	NOUN
fsr-3450	176	21	of	of	ADP
fsr-3450	176	22	these	these	DET
fsr-3450	176	23	factors	factor	NOUN
fsr-3450	176	24	on	on	ADP
fsr-3450	176	25	household	household	NOUN
fsr-3450	176	26	debts	debt	NOUN
fsr-3450	176	27	becomes	become	VERB
fsr-3450	176	28	clear	clear	ADJ
fsr-3450	176	29	.	.	PUNCT
fsr-3450	177	1	for	for	ADP
fsr-3450	177	2	instance	instance	NOUN
fsr-3450	177	3	,	,	PUNCT
fsr-3450	177	4	although	although	SCONJ
fsr-3450	177	5	high	high	ADJ
fsr-3450	177	6	-	-	PUNCT
fsr-3450	177	7	income	income	NOUN
fsr-3450	177	8	families	family	NOUN
fsr-3450	177	9	are	be	AUX
fsr-3450	177	10	more	more	ADV
fsr-3450	177	11	likely	likely	ADJ
fsr-3450	177	12	to	to	PART
fsr-3450	177	13	leverage	leverage	VERB
fsr-3450	177	14	and	and	CCONJ
fsr-3450	177	15	have	have	VERB
fsr-3450	177	16	larger	large	ADJ
fsr-3450	177	17	debt	debt	NOUN
fsr-3450	177	18	sizes	size	NOUN
fsr-3450	177	19	,	,	PUNCT
fsr-3450	177	20	their	their	PRON
fsr-3450	177	21	debt	debt	NOUN
fsr-3450	177	22	-	-	PUNCT
fsr-3450	177	23	to	to	ADP
fsr-3450	177	24	-	-	PUNCT
fsr-3450	177	25	income	income	NOUN
fsr-3450	177	26	ratios	ratio	NOUN
fsr-3450	177	27	are	be	AUX
fsr-3450	177	28	lower	low	ADJ
fsr-3450	177	29	and	and	CCONJ
fsr-3450	177	30	negatively	negatively	ADV
fsr-3450	177	31	related	relate	VERB
fsr-3450	177	32	to	to	ADP
fsr-3450	177	33	their	their	PRON
fsr-3450	177	34	income	income	NOUN
fsr-3450	177	35	level	level	NOUN
fsr-3450	177	36	.	.	PUNCT
fsr-3450	178	1	households	household	NOUN
fsr-3450	178	2	that	that	PRON
fsr-3450	178	3	have	have	VERB
fsr-3450	178	4	savings	saving	NOUN
fsr-3450	178	5	demonstrate	demonstrate	VERB
fsr-3450	178	6	much	much	ADV
fsr-3450	178	7	lower	low	ADJ
fsr-3450	178	8	debt	debt	NOUN
fsr-3450	178	9	-	-	PUNCT
fsr-3450	178	10	to	to	ADP
fsr-3450	178	11	-	-	PUNCT
fsr-3450	178	12	financial	financial	ADJ
fsr-3450	178	13	-	-	PUNCT
fsr-3450	178	14	asset	asset	NOUN
fsr-3450	178	15	ratios	ratio	NOUN
fsr-3450	178	16	,	,	PUNCT
fsr-3450	178	17	despite	despite	SCONJ
fsr-3450	178	18	the	the	DET
fsr-3450	178	19	higher	high	ADJ
fsr-3450	178	20	likelihood	likelihood	NOUN
fsr-3450	178	21	to	to	PART
fsr-3450	178	22	borrow	borrow	VERB
fsr-3450	178	23	,	,	PUNCT
fsr-3450	178	24	with	with	ADP
fsr-3450	178	25	other	other	ADJ
fsr-3450	178	26	variables	variable	NOUN
fsr-3450	178	27	such	such	ADJ
fsr-3450	178	28	as	as	ADP
fsr-3450	178	29	liquid	liquid	ADJ
fsr-3450	178	30	asset	asset	NOUN
fsr-3450	178	31	levels	level	NOUN
fsr-3450	178	32	controlled	control	VERB
fsr-3450	178	33	.	.	PUNCT
fsr-3450	179	1	the	the	DET
fsr-3450	179	2	combined	combine	VERB
fsr-3450	179	3	results	result	NOUN
fsr-3450	179	4	could	could	AUX
fsr-3450	179	5	indicate	indicate	VERB
fsr-3450	179	6	that	that	SCONJ
fsr-3450	179	7	these	these	DET
fsr-3450	179	8	families	family	NOUN
fsr-3450	179	9	may	may	AUX
fsr-3450	179	10	be	be	AUX
fsr-3450	179	11	more	more	ADV
fsr-3450	179	12	financially	financially	ADV
fsr-3450	179	13	literate	literate	ADJ
fsr-3450	179	14	and	and	CCONJ
fsr-3450	179	15	leverage	leverage	VERB
fsr-3450	179	16	lower	low	ADJ
fsr-3450	179	17	-	-	PUNCT
fsr-3450	179	18	interest	interest	NOUN
fsr-3450	179	19	debts	debt	NOUN
fsr-3450	179	20	to	to	PART
fsr-3450	179	21	increase	increase	VERB
fsr-3450	179	22	their	their	PRON
fsr-3450	179	23	investments	investment	NOUN
fsr-3450	179	24	in	in	ADP
fsr-3450	179	25	financial	financial	ADJ
fsr-3450	179	26	assets	asset	NOUN
fsr-3450	179	27	and	and	CCONJ
fsr-3450	179	28	savings	saving	NOUN
fsr-3450	179	29	.	.	PUNCT
fsr-3450	180	1	when	when	SCONJ
fsr-3450	180	2	it	it	PRON
fsr-3450	180	3	comes	come	VERB
fsr-3450	180	4	to	to	ADP
fsr-3450	180	5	education	education	NOUN
fsr-3450	180	6	level	level	NOUN
fsr-3450	180	7	,	,	PUNCT
fsr-3450	180	8	more	more	ADV
fsr-3450	180	9	educated	educate	VERB
fsr-3450	180	10	households	household	NOUN
fsr-3450	180	11	are	be	AUX
fsr-3450	180	12	more	more	ADV
fsr-3450	180	13	likely	likely	ADJ
fsr-3450	180	14	to	to	PART
fsr-3450	180	15	carry	carry	VERB
fsr-3450	180	16	debts	debt	NOUN
fsr-3450	180	17	,	,	PUNCT
fsr-3450	180	18	have	have	VERB
fsr-3450	180	19	higher	high	ADJ
fsr-3450	180	20	debt	debt	NOUN
fsr-3450	180	21	balances	balance	NOUN
fsr-3450	180	22	,	,	PUNCT
fsr-3450	180	23	and	and	CCONJ
fsr-3450	180	24	have	have	VERB
fsr-3450	180	25	a	a	DET
fsr-3450	180	26	higher	high	ADJ
fsr-3450	180	27	debt	debt	NOUN
fsr-3450	180	28	-	-	PUNCT
fsr-3450	180	29	to	to	ADP
fsr-3450	180	30	-	-	PUNCT
fsr-3450	180	31	income	income	NOUN
fsr-3450	180	32	ratio	ratio	NOUN
fsr-3450	180	33	,	,	PUNCT
fsr-3450	180	34	keeping	keep	VERB
fsr-3450	180	35	all	all	DET
fsr-3450	180	36	other	other	ADJ
fsr-3450	180	37	factors	factor	NOUN
fsr-3450	180	38	,	,	PUNCT
fsr-3450	180	39	such	such	ADJ
fsr-3450	180	40	as	as	ADP
fsr-3450	180	41	income	income	NOUN
fsr-3450	180	42	and	and	CCONJ
fsr-3450	180	43	assets	asset	NOUN
fsr-3450	180	44	,	,	PUNCT
fsr-3450	180	45	the	the	DET
fsr-3450	180	46	same	same	ADJ
fsr-3450	180	47	.	.	PUNCT
fsr-3450	181	1	this	this	PRON
fsr-3450	181	2	is	be	AUX
fsr-3450	181	3	a	a	DET
fsr-3450	181	4	strong	strong	ADJ
fsr-3450	181	5	indication	indication	NOUN
fsr-3450	181	6	of	of	ADP
fsr-3450	181	7	the	the	DET
fsr-3450	181	8	impact	impact	NOUN
fsr-3450	181	9	of	of	ADP
fsr-3450	181	10	student	student	NOUN
fsr-3450	181	11	loans	loan	NOUN
fsr-3450	181	12	on	on	ADP
fsr-3450	181	13	these	these	DET
fsr-3450	181	14	families	family	NOUN
fsr-3450	181	15	.	.	PUNCT
fsr-3450	182	1	ceteris	ceteris	NOUN
fsr-3450	182	2	paribus	paribus	NOUN
fsr-3450	182	3	,	,	PUNCT
fsr-3450	182	4	educated	educate	VERB
fsr-3450	182	5	families	family	NOUN
fsr-3450	182	6	are	be	AUX
fsr-3450	182	7	more	more	ADV
fsr-3450	182	8	likely	likely	ADJ
fsr-3450	182	9	to	to	PART
fsr-3450	182	10	carry	carry	VERB
fsr-3450	182	11	student	student	NOUN
fsr-3450	182	12	loans	loan	NOUN
fsr-3450	182	13	compared	compare	VERB
fsr-3450	182	14	with	with	ADP
fsr-3450	182	15	the	the	DET
fsr-3450	182	16	less	less	ADV
fsr-3450	182	17	educated	educate	VERB
fsr-3450	182	18	ones	one	NOUN
fsr-3450	182	19	,	,	PUNCT
fsr-3450	182	20	because	because	SCONJ
fsr-3450	182	21	of	of	ADP
fsr-3450	182	22	the	the	DET
fsr-3450	182	23	prevalence	prevalence	NOUN
fsr-3450	182	24	of	of	ADP
fsr-3450	182	25	student	student	NOUN
fsr-3450	182	26	loans	loan	NOUN
fsr-3450	182	27	used	use	VERB
fsr-3450	182	28	to	to	PART
fsr-3450	182	29	finance	finance	VERB
fsr-3450	182	30	education	education	NOUN
fsr-3450	182	31	today	today	NOUN
fsr-3450	182	32	.	.	PUNCT
fsr-3450	183	1	a	a	DET
fsr-3450	183	2	family	family	NOUN
fsr-3450	183	3	’s	’s	PART
fsr-3450	183	4	financial	financial	ADJ
fsr-3450	183	5	planning	planning	NOUN
fsr-3450	183	6	horizon	horizon	NOUN
fsr-3450	183	7	is	be	AUX
fsr-3450	183	8	also	also	ADV
fsr-3450	183	9	a	a	DET
fsr-3450	183	10	strong	strong	ADJ
fsr-3450	183	11	behavioral	behavioral	ADJ
fsr-3450	183	12	indicator	indicator	NOUN
fsr-3450	183	13	of	of	ADP
fsr-3450	183	14	household	household	NOUN
fsr-3450	183	15	debts	debt	NOUN
fsr-3450	183	16	.	.	PUNCT
fsr-3450	184	1	households	household	NOUN
fsr-3450	184	2	with	with	ADP
fsr-3450	184	3	longer	long	ADJ
fsr-3450	184	4	financial	financial	ADJ
fsr-3450	184	5	planning	planning	NOUN
fsr-3450	184	6	horizons	horizon	NOUN
fsr-3450	184	7	are	be	AUX
fsr-3450	184	8	much	much	ADV
fsr-3450	184	9	less	less	ADV
fsr-3450	184	10	likely	likely	ADJ
fsr-3450	184	11	to	to	PART
fsr-3450	184	12	have	have	VERB
fsr-3450	184	13	debts	debt	NOUN
fsr-3450	184	14	.	.	PUNCT
fsr-3450	185	1	total	total	ADJ
fsr-3450	185	2	debt	debt	NOUN
fsr-3450	185	3	amount	amount	NOUN
fsr-3450	185	4	,	,	PUNCT
fsr-3450	185	5	as	as	ADV
fsr-3450	185	6	well	well	ADV
fsr-3450	185	7	as	as	ADP
fsr-3450	185	8	debt	debt	NOUN
fsr-3450	185	9	-	-	PUNCT
fsr-3450	185	10	to	to	ADP
fsr-3450	185	11	-	-	PUNCT
fsr-3450	185	12	financial	financial	ADJ
fsr-3450	185	13	-	-	PUNCT
fsr-3450	185	14	assets	asset	NOUN
fsr-3450	185	15	ratio	ratio	NOUN
fsr-3450	185	16	and	and	CCONJ
fsr-3450	185	17	debt	debt	NOUN
fsr-3450	185	18	-	-	PUNCT
fsr-3450	185	19	to	to	ADP
fsr-3450	185	20	-	-	PUNCT
fsr-3450	185	21	income	income	NOUN
fsr-3450	185	22	ratio	ratio	NOUN
fsr-3450	185	23	,	,	PUNCT
fsr-3450	185	24	are	be	AUX
fsr-3450	185	25	all	all	PRON
fsr-3450	185	26	negatively	negatively	ADV
fsr-3450	185	27	associated	associate	VERB
fsr-3450	185	28	with	with	ADP
fsr-3450	185	29	a	a	DET
fsr-3450	185	30	longer	long	ADJ
fsr-3450	185	31	financial	financial	ADJ
fsr-3450	185	32	planning	planning	NOUN
fsr-3450	185	33	horizon	horizon	NOUN
fsr-3450	185	34	.	.	PUNCT
fsr-3450	186	1	this	this	DET
fsr-3450	186	2	finding	finding	NOUN
fsr-3450	186	3	supports	support	VERB
fsr-3450	186	4	the	the	DET
fsr-3450	186	5	myopic	myopic	ADJ
fsr-3450	186	6	planning	planning	NOUN
fsr-3450	186	7	hypothesis	hypothesis	NOUN
fsr-3450	186	8	,	,	PUNCT
fsr-3450	186	9	which	which	PRON
fsr-3450	186	10	predicts	predict	VERB
fsr-3450	186	11	that	that	SCONJ
fsr-3450	186	12	having	have	VERB
fsr-3450	186	13	a	a	DET
fsr-3450	186	14	myopic	myopic	ADJ
fsr-3450	186	15	financial	financial	ADJ
fsr-3450	186	16	planning	planning	NOUN
fsr-3450	186	17	horizon	horizon	NOUN
fsr-3450	186	18	fuels	fuel	NOUN
fsr-3450	186	19	households	household	NOUN
fsr-3450	186	20	’	'	PUNCT
fsr-3450	186	21	borrowing	borrowing	NOUN
fsr-3450	186	22	and	and	CCONJ
fsr-3450	186	23	may	may	AUX
fsr-3450	186	24	lead	lead	VERB
fsr-3450	186	25	families	family	NOUN
fsr-3450	186	26	deeper	deeply	ADV
fsr-3450	186	27	into	into	ADP
fsr-3450	186	28	debt	debt	NOUN
fsr-3450	186	29	.	.	PUNCT
fsr-3450	187	1	it	it	PRON
fsr-3450	187	2	also	also	ADV
fsr-3450	187	3	suggests	suggest	VERB
fsr-3450	187	4	that	that	SCONJ
fsr-3450	187	5	promoting	promote	VERB
fsr-3450	187	6	long	long	ADJ
fsr-3450	187	7	-	-	PUNCT
fsr-3450	187	8	term	term	NOUN
fsr-3450	187	9	financial	financial	ADJ
fsr-3450	187	10	planning	planning	NOUN
fsr-3450	187	11	horizons	horizon	NOUN
fsr-3450	187	12	serves	serve	VERB
fsr-3450	187	13	as	as	ADP
fsr-3450	187	14	a	a	DET
fsr-3450	187	15	good	good	ADJ
fsr-3450	187	16	approach	approach	NOUN
fsr-3450	187	17	to	to	PART
fsr-3450	187	18	help	help	VERB
fsr-3450	187	19	families	family	NOUN
fsr-3450	187	20	with	with	ADP
fsr-3450	187	21	their	their	PRON
fsr-3450	187	22	liability	liability	NOUN
fsr-3450	187	23	management	management	NOUN
fsr-3450	187	24	.	.	PUNCT
fsr-3450	188	1	“	"	PUNCT
fsr-3450	188	2	not	not	PART
fsr-3450	188	3	all	all	DET
fsr-3450	188	4	debt	debt	NOUN
fsr-3450	188	5	is	be	AUX
fsr-3450	188	6	created	create	VERB
fsr-3450	188	7	equal	equal	ADJ
fsr-3450	188	8	,	,	PUNCT
fsr-3450	188	9	”	"	PUNCT
fsr-3450	188	10	as	as	SCONJ
fsr-3450	188	11	the	the	DET
fsr-3450	188	12	saying	saying	NOUN
fsr-3450	188	13	goes	go	VERB
fsr-3450	188	14	.	.	PUNCT
fsr-3450	189	1	while	while	SCONJ
fsr-3450	189	2	good	good	ADJ
fsr-3450	189	3	debts	debt	NOUN
fsr-3450	189	4	are	be	AUX
fsr-3450	189	5	typically	typically	ADV
fsr-3450	189	6	defined	define	VERB
fsr-3450	189	7	as	as	ADP
fsr-3450	189	8	those	those	PRON
fsr-3450	189	9	with	with	ADP
fsr-3450	189	10	lower	low	ADJ
fsr-3450	189	11	interest	interest	NOUN
fsr-3450	189	12	rates	rate	NOUN
fsr-3450	189	13	that	that	PRON
fsr-3450	189	14	help	help	VERB
fsr-3450	189	15	households	household	NOUN
fsr-3450	189	16	finance	finance	NOUN
fsr-3450	189	17	activities	activity	NOUN
fsr-3450	189	18	and	and	CCONJ
fsr-3450	189	19	purchases	purchase	NOUN
fsr-3450	189	20	that	that	PRON
fsr-3450	189	21	provide	provide	VERB
fsr-3450	189	22	long	long	ADJ
fsr-3450	189	23	-	-	PUNCT
fsr-3450	189	24	term	term	NOUN
fsr-3450	189	25	benefits	benefit	NOUN
fsr-3450	189	26	(	(	PUNCT
fsr-3450	189	27	e.g.	e.g.	ADV
fsr-3450	189	28	,	,	PUNCT
fsr-3450	189	29	mortgages	mortgage	NOUN
fsr-3450	189	30	)	)	PUNCT
fsr-3450	189	31	,	,	PUNCT
fsr-3450	189	32	bad	bad	ADJ
fsr-3450	189	33	debts	debt	NOUN
fsr-3450	189	34	are	be	AUX
fsr-3450	189	35	usually	usually	ADV
fsr-3450	189	36	associated	associate	VERB
fsr-3450	189	37	with	with	ADP
fsr-3450	189	38	higher	high	ADJ
fsr-3450	189	39	interest	interest	NOUN
fsr-3450	189	40	rates	rate	NOUN
fsr-3450	189	41	and	and	CCONJ
fsr-3450	189	42	are	be	AUX
fsr-3450	189	43	used	use	VERB
fsr-3450	189	44	to	to	PART
fsr-3450	189	45	purchase	purchase	VERB
fsr-3450	189	46	depreciating	depreciate	VERB
fsr-3450	189	47	assets	asset	NOUN
fsr-3450	189	48	that	that	PRON
fsr-3450	189	49	do	do	AUX
fsr-3450	189	50	not	not	PART
fsr-3450	189	51	generate	generate	VERB
fsr-3450	189	52	long	long	ADJ
fsr-3450	189	53	-	-	PUNCT
fsr-3450	189	54	term	term	NOUN
fsr-3450	189	55	z.	z.	PROPN
fsr-3450	189	56	liu	liu	PROPN
fsr-3450	189	57	and	and	CCONJ
fsr-3450	189	58	d.	d.	PROPN
fsr-3450	189	59	m.	m.	PROPN
fsr-3450	189	60	blanchett	blanchett	PROPN
fsr-3450	189	61	/	/	SYM
fsr-3450	189	62	financial	financial	ADJ
fsr-3450	189	63	services	service	NOUN
fsr-3450	189	64	review	review	VERB
fsr-3450	189	65	29	29	NUM
fsr-3450	189	66	(	(	PUNCT
fsr-3450	189	67	2021	2021	NUM
fsr-3450	189	68	)	)	PUNCT
fsr-3450	190	1	121–145	121–145	NUM
fsr-3450	190	2	131	131	NUM
fsr-3450	190	3	t	t	PROPN
fsr-3450	190	4	ab	ab	PROPN
fsr-3450	190	5	le	le	PROPN
fsr-3450	190	6	1	1	NUM
fsr-3450	190	7	p	p	X
fsr-3450	190	8	ro	ro	X
fsr-3450	190	9	b	b	NOUN
fsr-3450	190	10	it	it	PRON
fsr-3450	190	11	an	an	DET
fsr-3450	190	12	d	d	X
fsr-3450	190	13	o	o	PROPN
fsr-3450	190	14	rd	rd	PROPN
fsr-3450	190	15	in	in	ADP
fsr-3450	190	16	ar	ar	PROPN
fsr-3450	190	17	y	y	PROPN
fsr-3450	190	18	le	le	PROPN
fsr-3450	190	19	as	as	ADP
fsr-3450	190	20	t	t	PROPN
fsr-3450	190	21	sq	sq	PROPN
fsr-3450	190	22	u	u	PROPN
fsr-3450	190	23	ar	ar	NOUN
fsr-3450	190	24	es	es	X
fsr-3450	190	25	(	(	PUNCT
fsr-3450	190	26	o	o	NOUN
fsr-3450	190	27	l	l	NOUN
fsr-3450	190	28	s	s	PART
fsr-3450	190	29	)	)	PUNCT
fsr-3450	190	30	re	re	ADP
fsr-3450	190	31	g	g	PROPN
fsr-3450	190	32	re	re	ADP
fsr-3450	190	33	ss	ss	PROPN
fsr-3450	190	34	io	io	PROPN
fsr-3450	190	35	n	n	PROPN
fsr-3450	190	36	s	s	PROPN
fsr-3450	190	37	o	o	NOUN
fsr-3450	190	38	n	n	INTJ
fsr-3450	190	39	fa	fa	INTJ
fsr-3450	190	40	ct	ct	NUM
fsr-3450	190	41	o	o	INTJ
fsr-3450	190	42	rs	rs	NOUN
fsr-3450	190	43	as	as	ADP
fsr-3450	190	44	so	so	ADV
fsr-3450	190	45	ci	ci	PROPN
fsr-3450	190	46	at	at	ADP
fsr-3450	190	47	ed	ed	PROPN
fsr-3450	191	1	w	w	PROPN
fsr-3450	191	2	it	it	PRON
fsr-3450	192	1	h	h	NOUN
fsr-3450	193	1	h	h	NOUN
fsr-3450	194	1	o	o	X
fsr-3450	194	2	u	u	X
fsr-3450	195	1	se	se	PROPN
fsr-3450	195	2	h	h	PROPN
fsr-3450	195	3	o	o	INTJ
fsr-3450	195	4	ld	ld	PROPN
fsr-3450	195	5	d	d	PROPN
fsr-3450	195	6	eb	eb	PROPN
fsr-3450	195	7	ts	ts	PROPN
fsr-3450	195	8	v	v	PROPN
fsr-3450	195	9	ar	ar	PROPN
fsr-3450	195	10	ia	ia	PROPN
fsr-3450	195	11	b	b	AUX
fsr-3450	195	12	le	le	PROPN
fsr-3450	195	13	s	s	PROPN
fsr-3450	195	14	p	p	X
fsr-3450	195	15	ro	ro	X
fsr-3450	195	16	b	b	NOUN
fsr-3450	196	1	it	it	PRON
fsr-3450	197	1	(	(	PUNCT
fsr-3450	197	2	m	m	NOUN
fsr-3450	197	3	e	e	NOUN
fsr-3450	197	4	)	)	PUNCT
fsr-3450	197	5	a	a	DET
fsr-3450	197	6	o	o	NOUN
fsr-3450	197	7	l	l	NOUN
fsr-3450	197	8	s	s	NOUN
fsr-3450	197	9	o	o	NOUN
fsr-3450	197	10	l	l	NOUN
fsr-3450	197	11	s	s	X
fsr-3450	197	12	o	o	X
fsr-3450	197	13	l	l	NOUN
fsr-3450	197	14	s	s	NOUN
fsr-3450	197	15	h	h	NOUN
fsr-3450	198	1	av	av	PROPN
fsr-3450	198	2	e	e	PROPN
fsr-3450	198	3	d	d	PROPN
fsr-3450	198	4	eb	eb	PROPN
fsr-3450	198	5	t	t	PROPN
fsr-3450	198	6	t	t	X
fsr-3450	198	7	o	o	X
fsr-3450	198	8	ta	ta	ADP
fsr-3450	198	9	l	l	PROPN
fsr-3450	198	10	d	d	X
fsr-3450	198	11	eb	eb	PROPN
fsr-3450	198	12	t	t	PROPN
fsr-3450	198	13	am	be	AUX
fsr-3450	198	14	o	o	NOUN
fsr-3450	198	15	u	u	NOUN
fsr-3450	198	16	n	n	PRON
fsr-3450	198	17	t	t	PROPN
fsr-3450	198	18	(	(	PUNCT
fsr-3450	198	19	$	$	SYM
fsr-3450	198	20	)	)	PUNCT
fsr-3450	198	21	d	d	NOUN
fsr-3450	198	22	eb	eb	PROPN
fsr-3450	198	23	tto	tto	PROPN
fsr-3450	198	24	-fi	-fi	ADP
fsr-3450	198	25	n	n	CCONJ
fsr-3450	198	26	an	an	DET
fsr-3450	198	27	ci	ci	NOUN
fsr-3450	198	28	al	al	PROPN
fsr-3450	198	29	-a	-a	PROPN
fsr-3450	198	30	ss	ss	VERB
fsr-3450	198	31	et	et	NOUN
fsr-3450	198	32	ra	ra	NOUN
fsr-3450	199	1	ti	ti	INTJ
fsr-3450	199	2	o	o	PROPN
fsr-3450	199	3	b	b	PROPN
fsr-3450	199	4	d	d	X
fsr-3450	199	5	eb	eb	PROPN
fsr-3450	199	6	tto	tto	PROPN
fsr-3450	199	7	-i	-i	PUNCT
fsr-3450	199	8	n	n	X
fsr-3450	199	9	co	co	NOUN
fsr-3450	199	10	m	m	PROPN
fsr-3450	199	11	e	e	NOUN
fsr-3450	199	12	ra	ra	NOUN
fsr-3450	199	13	ti	ti	INTJ
fsr-3450	199	14	o	o	NOUN
fsr-3450	199	15	c	c	PROPN
fsr-3450	199	16	m	m	PROPN
fsr-3450	199	17	ar	ar	PROPN
fsr-3450	199	18	ri	ri	PROPN
fsr-3450	200	1	ed	ed	PROPN
fsr-3450	200	2	0	0	NUM
fsr-3450	200	3	.1	.1	NUM
fsr-3450	200	4	1	1	NUM
fsr-3450	200	5	5	5	NUM
fsr-3450	201	1	*	*	PUNCT
fsr-3450	201	2	*	*	PUNCT
fsr-3450	201	3	(	(	PUNCT
fsr-3450	201	4	0	0	NUM
fsr-3450	201	5	.0	.0	NUM
fsr-3450	201	6	3	3	NUM
fsr-3450	201	7	9	9	NUM
fsr-3450	201	8	)	)	PUNCT
fsr-3450	201	9	�	�	NOUN
fsr-3450	201	10	8	8	NUM
fsr-3450	201	11	1	1	NUM
fsr-3450	201	12	9	9	NUM
fsr-3450	201	13	.6	.6	NUM
fsr-3450	201	14	(	(	PUNCT
fsr-3450	201	15	3	3	NUM
fsr-3450	201	16	,	,	PUNCT
fsr-3450	201	17	5	5	NUM
fsr-3450	201	18	7	7	NUM
fsr-3450	201	19	7	7	NUM
fsr-3450	201	20	.5	.5	NUM
fsr-3450	201	21	0	0	NUM
fsr-3450	201	22	5	5	NUM
fsr-3450	201	23	)	)	PUNCT
fsr-3450	201	24	�	�	NOUN
fsr-3450	201	25	1	1	NUM
fsr-3450	201	26	1	1	NUM
fsr-3450	201	27	9	9	NUM
fsr-3450	201	28	.2	.2	NUM
fsr-3450	201	29	(	(	PUNCT
fsr-3450	201	30	1	1	NUM
fsr-3450	201	31	8	8	NUM
fsr-3450	201	32	6	6	NUM
fsr-3450	201	33	.3	.3	NUM
fsr-3450	201	34	4	4	NUM
fsr-3450	201	35	4	4	NUM
fsr-3450	201	36	)	)	PUNCT
fsr-3450	201	37	�	�	PROPN
fsr-3450	201	38	0	0	NUM
fsr-3450	202	1	.2	.2	NUM
fsr-3450	202	2	2	2	NUM
fsr-3450	202	3	3	3	NUM
fsr-3450	202	4	*	*	PUNCT
fsr-3450	202	5	(	(	PUNCT
fsr-3450	202	6	0	0	NUM
fsr-3450	202	7	.1	.1	NUM
fsr-3450	202	8	0	0	NUM
fsr-3450	202	9	2	2	NUM
fsr-3450	202	10	)	)	PUNCT
fsr-3450	202	11	n	n	CCONJ
fsr-3450	202	12	u	u	NOUN
fsr-3450	202	13	m	m	NOUN
fsr-3450	202	14	b	b	NOUN
fsr-3450	202	15	er	er	INTJ
fsr-3450	202	16	o	o	X
fsr-3450	202	17	f	f	X
fsr-3450	202	18	k	k	PROPN
fsr-3450	203	1	i	i	PROPN
fsr-3450	203	2	d	d	PROPN
fsr-3450	203	3	s	s	PROPN
fsr-3450	203	4	0	0	NUM
fsr-3450	203	5	.0	.0	NUM
fsr-3450	203	6	7	7	NUM
fsr-3450	203	7	8	8	NUM
fsr-3450	203	8	7	7	NUM
fsr-3450	203	9	*	*	PUNCT
fsr-3450	204	1	*	*	PUNCT
fsr-3450	204	2	*	*	PUNCT
fsr-3450	204	3	(	(	PUNCT
fsr-3450	204	4	0	0	NUM
fsr-3450	204	5	.0	.0	NUM
fsr-3450	204	6	1	1	NUM
fsr-3450	204	7	9	9	NUM
fsr-3450	204	8	)	)	PUNCT
fsr-3450	204	9	5	5	NUM
fsr-3450	204	10	,	,	PUNCT
fsr-3450	204	11	4	4	NUM
fsr-3450	204	12	3	3	NUM
fsr-3450	204	13	3	3	NUM
fsr-3450	204	14	.1	.1	NUM
fsr-3450	205	1	*	*	PUNCT
fsr-3450	206	1	*	*	PUNCT
fsr-3450	206	2	*	*	PUNCT
fsr-3450	206	3	(	(	PUNCT
fsr-3450	206	4	7	7	NUM
fsr-3450	206	5	6	6	NUM
fsr-3450	206	6	2	2	NUM
fsr-3450	206	7	.8	.8	NUM
fsr-3450	206	8	2	2	NUM
fsr-3450	206	9	6	6	NUM
fsr-3450	206	10	)	)	PUNCT
fsr-3450	206	11	1	1	NUM
fsr-3450	206	12	5	5	NUM
fsr-3450	206	13	1	1	NUM
fsr-3450	206	14	.1	.1	NUM
fsr-3450	206	15	(	(	PUNCT
fsr-3450	206	16	1	1	NUM
fsr-3450	206	17	4	4	NUM
fsr-3450	206	18	2	2	NUM
fsr-3450	206	19	.5	.5	NUM
fsr-3450	206	20	8	8	NUM
fsr-3450	206	21	7	7	NUM
fsr-3450	206	22	)	)	PUNCT
fsr-3450	206	23	0	0	NUM
fsr-3450	207	1	.0	.0	NUM
fsr-3450	207	2	1	1	NUM
fsr-3450	207	3	7	7	NUM
fsr-3450	207	4	2	2	NUM
fsr-3450	207	5	(	(	PUNCT
fsr-3450	207	6	0	0	NUM
fsr-3450	207	7	.0	.0	NUM
fsr-3450	207	8	2	2	NUM
fsr-3450	207	9	5	5	NUM
fsr-3450	207	10	)	)	PUNCT
fsr-3450	207	11	e	e	X
fsr-3450	208	1	d	d	X
fsr-3450	208	2	u	u	PRON
fsr-3450	208	3	ca	can	AUX
fsr-3450	208	4	ti	ti	NOUN
fsr-3450	208	5	o	o	NOUN
fsr-3450	208	6	n	n	ADV
fsr-3450	208	7	le	le	X
fsr-3450	208	8	v	v	PROPN
fsr-3450	208	9	el	el	PROPN
fsr-3450	208	10	0	0	NUM
fsr-3450	208	11	.0	.0	NUM
fsr-3450	208	12	5	5	NUM
fsr-3450	208	13	9	9	NUM
fsr-3450	208	14	3	3	NUM
fsr-3450	208	15	*	*	PUNCT
fsr-3450	208	16	*	*	PUNCT
fsr-3450	208	17	*	*	PUNCT
fsr-3450	208	18	(	(	PUNCT
fsr-3450	208	19	0	0	NUM
fsr-3450	208	20	.0	.0	NUM
fsr-3450	208	21	0	0	NUM
fsr-3450	208	22	7	7	NUM
fsr-3450	208	23	)	)	PUNCT
fsr-3450	208	24	2	2	NUM
fsr-3450	208	25	,	,	PUNCT
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fsr-3450	209	9	6	6	NUM
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fsr-3450	209	11	)	)	PUNCT
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fsr-3450	209	17	(	(	PUNCT
fsr-3450	209	18	3	3	NUM
fsr-3450	209	19	3	3	NUM
fsr-3450	209	20	.7	.7	NUM
fsr-3450	209	21	5	5	NUM
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fsr-3450	209	23	)	)	PUNCT
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fsr-3450	211	8	)	)	PUNCT
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fsr-3450	217	8	)	)	PUNCT
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fsr-3450	219	17	7	7	NUM
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fsr-3450	220	3	(	(	PUNCT
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fsr-3450	220	6	1	1	NUM
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fsr-3450	220	8	)	)	PUNCT
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fsr-3450	225	6	5	5	NUM
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fsr-3450	225	8	)	)	PUNCT
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fsr-3450	226	5	,	,	PUNCT
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fsr-3450	226	11	1	1	NUM
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fsr-3450	232	9	)	)	PUNCT
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fsr-3450	232	26	)	)	PUNCT
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fsr-3450	232	28	,	,	PUNCT
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fsr-3450	232	33	*	*	PUNCT
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fsr-3450	233	3	(	(	PUNCT
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fsr-3450	233	5	,	,	PUNCT
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fsr-3450	238	42	1	1	NUM
fsr-3450	238	43	)	)	PUNCT
fsr-3450	238	44	�	�	NOUN
fsr-3450	238	45	5	5	NUM
fsr-3450	238	46	1	1	NUM
fsr-3450	238	47	1	1	NUM
fsr-3450	238	48	.6	.6	NUM
fsr-3450	239	1	*	*	PUNCT
fsr-3450	239	2	*	*	PUNCT
fsr-3450	239	3	(	(	PUNCT
fsr-3450	239	4	1	1	NUM
fsr-3450	239	5	8	8	NUM
fsr-3450	239	6	4	4	NUM
fsr-3450	239	7	.2	.2	NUM
fsr-3450	239	8	1	1	NUM
fsr-3450	239	9	1	1	NUM
fsr-3450	239	10	)	)	PUNCT
fsr-3450	239	11	0	0	NUM
fsr-3450	240	1	.4	.4	NUM
fsr-3450	240	2	4	4	NUM
fsr-3450	240	3	3	3	NUM
fsr-3450	240	4	(	(	PUNCT
fsr-3450	240	5	0	0	NUM
fsr-3450	240	6	.2	.2	NUM
fsr-3450	240	7	2	2	NUM
fsr-3450	240	8	6	6	NUM
fsr-3450	240	9	)	)	PUNCT
fsr-3450	240	10	in	in	ADP
fsr-3450	240	11	co	co	NOUN
fsr-3450	240	12	m	m	PROPN
fsr-3450	240	13	e	e	X
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fsr-3450	240	15	p	p	X
fsr-3450	240	16	er	er	INTJ
fsr-3450	240	17	$	$	SYM
fsr-3450	240	18	1	1	NUM
fsr-3450	240	19	0	0	NUM
fsr-3450	240	20	k	k	NOUN
fsr-3450	240	21	)	)	PUNCT
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fsr-3450	241	1	.0	.0	NUM
fsr-3450	241	2	5	5	NUM
fsr-3450	241	3	7	7	NUM
fsr-3450	241	4	8	8	NUM
fsr-3450	241	5	*	*	PUNCT
fsr-3450	242	1	*	*	PUNCT
fsr-3450	242	2	*	*	PUNCT
fsr-3450	242	3	(	(	PUNCT
fsr-3450	242	4	0	0	NUM
fsr-3450	242	5	.0	.0	NUM
fsr-3450	242	6	1	1	NUM
fsr-3450	242	7	1	1	NUM
fsr-3450	242	8	)	)	PUNCT
fsr-3450	242	9	3	3	NUM
fsr-3450	242	10	,	,	PUNCT
fsr-3450	242	11	4	4	NUM
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fsr-3450	242	13	0	0	NUM
fsr-3450	243	1	.2	.2	NUM
fsr-3450	244	1	*	*	PUNCT
fsr-3450	244	2	*	*	PUNCT
fsr-3450	244	3	(	(	PUNCT
fsr-3450	244	4	1	1	NUM
fsr-3450	244	5	,	,	PUNCT
fsr-3450	244	6	1	1	NUM
fsr-3450	244	7	2	2	NUM
fsr-3450	244	8	8	8	NUM
fsr-3450	244	9	.4	.4	NUM
fsr-3450	244	10	5	5	NUM
fsr-3450	244	11	8	8	NUM
fsr-3450	244	12	)	)	PUNCT
fsr-3450	244	13	�	�	PROPN
fsr-3450	244	14	3	3	NUM
fsr-3450	244	15	5	5	NUM
fsr-3450	244	16	.2	.2	NUM
fsr-3450	244	17	4	4	NUM
fsr-3450	244	18	(	(	PUNCT
fsr-3450	244	19	1	1	NUM
fsr-3450	244	20	8	8	NUM
fsr-3450	244	21	.2	.2	NUM
fsr-3450	244	22	7	7	NUM
fsr-3450	244	23	2	2	NUM
fsr-3450	244	24	)	)	PUNCT
fsr-3450	244	25	�	�	PROPN
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fsr-3450	244	28	9	9	NUM
fsr-3450	244	29	5	5	NUM
fsr-3450	244	30	0	0	NUM
fsr-3450	245	1	*	*	PUNCT
fsr-3450	245	2	*	*	PUNCT
fsr-3450	245	3	(	(	PUNCT
fsr-3450	245	4	0	0	NUM
fsr-3450	245	5	.0	.0	NUM
fsr-3450	245	6	2	2	NUM
fsr-3450	245	7	9	9	NUM
fsr-3450	245	8	)	)	PUNCT
fsr-3450	245	9	a	a	DET
fsr-3450	245	10	g	g	PROPN
fsr-3450	245	11	e	e	NOUN
fsr-3450	245	12	�	�	PROPN
fsr-3450	245	13	0	0	NUM
fsr-3450	245	14	.0	.0	NUM
fsr-3450	245	15	1	1	NUM
fsr-3450	245	16	6	6	NUM
fsr-3450	245	17	1	1	NUM
fsr-3450	245	18	*	*	PUNCT
fsr-3450	246	1	*	*	PUNCT
fsr-3450	246	2	*	*	PUNCT
fsr-3450	246	3	(	(	PUNCT
fsr-3450	246	4	0	0	NUM
fsr-3450	246	5	.0	.0	NUM
fsr-3450	246	6	0	0	NUM
fsr-3450	246	7	1	1	NUM
fsr-3450	246	8	)	)	PUNCT
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fsr-3450	246	11	,	,	PUNCT
fsr-3450	246	12	2	2	NUM
fsr-3450	246	13	3	3	NUM
fsr-3450	246	14	7	7	NUM
fsr-3450	246	15	.7	.7	NUM
fsr-3450	246	16	*	*	PUNCT
fsr-3450	247	1	*	*	PUNCT
fsr-3450	247	2	*	*	PUNCT
fsr-3450	247	3	(	(	PUNCT
fsr-3450	247	4	5	5	NUM
fsr-3450	247	5	2	2	NUM
fsr-3450	247	6	.3	.3	NUM
fsr-3450	247	7	0	0	NUM
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fsr-3450	247	9	)	)	PUNCT
fsr-3450	247	10	�	�	NOUN
fsr-3450	247	11	1	1	NUM
fsr-3450	247	12	2	2	NUM
fsr-3450	247	13	.9	.9	NUM
fsr-3450	247	14	4	4	NUM
fsr-3450	248	1	*	*	PUNCT
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fsr-3450	248	3	*	*	PUNCT
fsr-3450	248	4	(	(	PUNCT
fsr-3450	248	5	3	3	NUM
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fsr-3450	248	7	0	0	NUM
fsr-3450	248	8	4	4	NUM
fsr-3450	248	9	)	)	PUNCT
fsr-3450	248	10	�	�	PROPN
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fsr-3450	248	12	.0	.0	NUM
fsr-3450	248	13	2	2	NUM
fsr-3450	248	14	3	3	NUM
fsr-3450	248	15	8	8	NUM
fsr-3450	248	16	*	*	PUNCT
fsr-3450	249	1	*	*	PUNCT
fsr-3450	249	2	*	*	PUNCT
fsr-3450	249	3	(	(	PUNCT
fsr-3450	249	4	0	0	NUM
fsr-3450	249	5	.0	.0	NUM
fsr-3450	249	6	0	0	NUM
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fsr-3450	249	8	)	)	PUNCT
fsr-3450	249	9	f	f	NOUN
fsr-3450	249	10	in	in	ADP
fsr-3450	249	11	an	an	DET
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fsr-3450	249	13	al	al	PROPN
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fsr-3450	249	16	n	n	CCONJ
fsr-3450	249	17	n	n	NOUN
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fsr-3450	249	19	g	g	PROPN
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fsr-3450	249	21	o	o	X
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fsr-3450	249	24	n	n	PROPN
fsr-3450	249	25	(	(	PUNCT
fsr-3450	249	26	o	o	NOUN
fsr-3450	249	27	m	m	VERB
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fsr-3450	249	29	te	te	ADP
fsr-3450	249	30	d	d	PROPN
fsr-3450	249	31	b	b	PROPN
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fsr-3450	249	35	e	e	PROPN
fsr-3450	249	36	ca	can	AUX
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fsr-3450	249	38	g	g	PROPN
fsr-3450	249	39	o	o	X
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fsr-3450	249	41	“	"	PUNCT
fsr-3450	249	42	n	n	PROPN
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fsr-3450	249	44	t	t	PROPN
fsr-3450	249	45	fe	fe	X
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fsr-3450	249	47	m	m	PROPN
fsr-3450	249	48	o	o	NOUN
fsr-3450	249	49	n	n	X
fsr-3450	249	50	th	th	X
fsr-3450	249	51	s	s	NOUN
fsr-3450	249	52	”	"	PUNCT
fsr-3450	249	53	)	)	PUNCT
fsr-3450	250	1	n	n	CCONJ
fsr-3450	250	2	ex	ex	NOUN
fsr-3450	250	3	t	t	NOUN
fsr-3450	250	4	y	y	PROPN
fsr-3450	250	5	ea	ea	PROPN
fsr-3450	250	6	r	r	NOUN
fsr-3450	250	7	�	�	PROPN
fsr-3450	250	8	0	0	NUM
fsr-3450	250	9	.1	.1	NUM
fsr-3450	250	10	5	5	NUM
fsr-3450	250	11	0	0	NUM
fsr-3450	251	1	*	*	PUNCT
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fsr-3450	251	3	(	(	PUNCT
fsr-3450	251	4	0	0	NUM
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fsr-3450	251	6	5	5	NUM
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fsr-3450	251	8	)	)	PUNCT
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fsr-3450	251	11	,	,	PUNCT
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fsr-3450	251	18	,	,	PUNCT
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fsr-3450	251	21	3	3	NUM
fsr-3450	251	22	.2	.2	NUM
fsr-3450	251	23	4	4	NUM
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fsr-3450	251	25	)	)	PUNCT
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fsr-3450	252	1	*	*	PUNCT
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fsr-3450	252	3	(	(	PUNCT
fsr-3450	252	4	2	2	NUM
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fsr-3450	253	4	(	(	PUNCT
fsr-3450	253	5	0	0	NUM
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fsr-3450	253	7	6	6	NUM
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fsr-3450	253	9	)	)	PUNCT
fsr-3450	254	1	n	n	DET
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fsr-3450	254	3	t	t	PROPN
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fsr-3450	254	12	1	1	NUM
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fsr-3450	254	15	(	(	PUNCT
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fsr-3450	254	20	)	)	PUNCT
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fsr-3450	255	1	*	*	PUNCT
fsr-3450	256	1	(	(	PUNCT
fsr-3450	256	2	2	2	NUM
fsr-3450	256	3	,	,	PUNCT
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fsr-3450	256	10	)	)	PUNCT
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fsr-3450	256	18	2	2	NUM
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fsr-3450	256	21	.1	.1	NUM
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fsr-3450	256	24	)	)	PUNCT
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fsr-3450	258	12	)	)	PUNCT
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fsr-3450	260	11	)	)	PUNCT
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fsr-3450	260	24	)	)	PUNCT
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fsr-3450	262	36	*	*	PUNCT
fsr-3450	262	37	(	(	PUNCT
fsr-3450	262	38	3	3	NUM
fsr-3450	262	39	0	0	NUM
fsr-3450	262	40	6	6	NUM
fsr-3450	262	41	.9	.9	NUM
fsr-3450	262	42	9	9	NUM
fsr-3450	262	43	2	2	NUM
fsr-3450	262	44	)	)	PUNCT
fsr-3450	262	45	�	�	PROPN
fsr-3450	262	46	0	0	NUM
fsr-3450	263	1	.2	.2	NUM
fsr-3450	263	2	7	7	NUM
fsr-3450	263	3	6	6	NUM
fsr-3450	263	4	*	*	PUNCT
fsr-3450	263	5	*	*	PUNCT
fsr-3450	263	6	(	(	PUNCT
fsr-3450	263	7	0	0	NUM
fsr-3450	263	8	.0	.0	NUM
fsr-3450	263	9	9	9	NUM
fsr-3450	263	10	0	0	NUM
fsr-3450	263	11	)	)	PUNCT
fsr-3450	263	12	n	n	PRON
fsr-3450	263	13	4	4	NUM
fsr-3450	263	14	,	,	PUNCT
fsr-3450	263	15	4	4	NUM
fsr-3450	263	16	8	8	NUM
fsr-3450	263	17	1	1	NUM
fsr-3450	263	18	4	4	NUM
fsr-3450	263	19	,	,	PUNCT
fsr-3450	263	20	4	4	NUM
fsr-3450	263	21	8	8	NUM
fsr-3450	263	22	1	1	NUM
fsr-3450	263	23	4	4	NUM
fsr-3450	263	24	,	,	PUNCT
fsr-3450	263	25	4	4	NUM
fsr-3450	263	26	8	8	NUM
fsr-3450	263	27	1	1	NUM
fsr-3450	263	28	4	4	NUM
fsr-3450	263	29	,	,	PUNCT
fsr-3450	263	30	4	4	NUM
fsr-3450	263	31	8	8	NUM
fsr-3450	263	32	1	1	NUM
fsr-3450	263	33	n	n	NUM
fsr-3450	263	34	o	o	NOUN
fsr-3450	263	35	te	te	ADP
fsr-3450	263	36	s	s	PART
fsr-3450	263	37	:	:	PUNCT
fsr-3450	263	38	a	a	DET
fsr-3450	263	39	t	t	NOUN
fsr-3450	263	40	h	h	NOUN
fsr-3450	263	41	is	be	AUX
fsr-3450	263	42	co	co	INTJ
fsr-3450	263	43	lu	lu	PROPN
fsr-3450	263	44	m	m	VERB
fsr-3450	263	45	n	n	PRON
fsr-3450	263	46	re	re	ADP
fsr-3450	263	47	p	p	NOUN
fsr-3450	263	48	o	o	X
fsr-3450	263	49	rt	rt	PROPN
fsr-3450	263	50	s	s	PROPN
fsr-3450	263	51	th	th	X
fsr-3450	263	52	e	e	X
fsr-3450	263	53	av	av	PROPN
fsr-3450	263	54	er	er	INTJ
fsr-3450	263	55	ag	ag	PROPN
fsr-3450	263	56	e	e	PROPN
fsr-3450	263	57	m	m	PROPN
fsr-3450	263	58	ar	ar	PROPN
fsr-3450	263	59	g	g	PROPN
fsr-3450	263	60	in	in	ADP
fsr-3450	263	61	al	al	PROPN
fsr-3450	263	62	ef	ef	PROPN
fsr-3450	263	63	fe	fe	PROPN
fsr-3450	264	1	ct	ct	NUM
fsr-3450	264	2	o	o	X
fsr-3450	264	3	f	f	X
fsr-3450	264	4	th	th	X
fsr-3450	264	5	e	e	X
fsr-3450	264	6	p	p	X
fsr-3450	264	7	ro	ro	PROPN
fsr-3450	264	8	b	b	X
fsr-3450	264	9	it	it	PRON
fsr-3450	264	10	re	re	ADP
fsr-3450	264	11	g	g	PROPN
fsr-3450	264	12	re	re	ADP
fsr-3450	264	13	ss	ss	PROPN
fsr-3450	264	14	io	io	X
fsr-3450	264	15	n	n	PROPN
fsr-3450	264	16	.	.	PUNCT
fsr-3450	265	1	t	t	PROPN
fsr-3450	265	2	h	h	NOUN
fsr-3450	265	3	e	e	NOUN
fsr-3450	265	4	2	2	NUM
fsr-3450	265	5	0	0	NUM
fsr-3450	265	6	1	1	NUM
fsr-3450	265	7	6	6	NUM
fsr-3450	265	8	s	s	NOUN
fsr-3450	265	9	u	u	NOUN
fsr-3450	265	10	rv	rv	NOUN
fsr-3450	265	11	ey	ey	INTJ
fsr-3450	265	12	o	o	NOUN
fsr-3450	265	13	f	f	X
fsr-3450	265	14	c	c	NOUN
fsr-3450	265	15	o	o	PROPN
fsr-3450	265	16	n	n	CCONJ
fsr-3450	265	17	su	su	PROPN
fsr-3450	265	18	m	m	PROPN
fsr-3450	265	19	er	er	INTJ
fsr-3450	265	20	f	f	PROPN
fsr-3450	265	21	in	in	ADP
fsr-3450	265	22	an	an	DET
fsr-3450	265	23	ce	ce	PROPN
fsr-3450	265	24	s	s	X
fsr-3450	265	25	(	(	PUNCT
fsr-3450	265	26	s	s	PROPN
fsr-3450	265	27	c	c	X
fsr-3450	265	28	f	f	PROPN
fsr-3450	265	29	)	)	PUNCT
fsr-3450	265	30	sa	sa	PROPN
fsr-3450	266	1	m	m	PROPN
fsr-3450	267	1	p	p	X
fsr-3450	267	2	le	le	X
fsr-3450	267	3	w	w	NOUN
fsr-3450	267	4	ei	ei	ADP
fsr-3450	267	5	g	g	PROPN
fsr-3450	267	6	h	h	NOUN
fsr-3450	267	7	ts	ts	INTJ
fsr-3450	268	1	w	w	NOUN
fsr-3450	268	2	er	er	INTJ
fsr-3450	268	3	e	e	PROPN
fsr-3450	268	4	ap	ap	PROPN
fsr-3450	268	5	p	p	PROPN
fsr-3450	268	6	li	li	PROPN
fsr-3450	268	7	ed	ed	NOUN
fsr-3450	268	8	to	to	ADP
fsr-3450	268	9	th	th	X
fsr-3450	268	10	e	e	X
fsr-3450	268	11	re	re	ADP
fsr-3450	268	12	g	g	PROPN
fsr-3450	268	13	re	re	ADP
fsr-3450	268	14	ss	ss	PROPN
fsr-3450	268	15	io	io	PROPN
fsr-3450	268	16	n	n	PROPN
fsr-3450	268	17	s.	s.	PROPN
fsr-3450	268	18	b	b	PROPN
fsr-3450	268	19	t	t	PROPN
fsr-3450	268	20	h	h	NOUN
fsr-3450	269	1	e	e	PROPN
fsr-3450	269	2	an	an	PROPN
fsr-3450	269	3	al	al	PROPN
fsr-3450	269	4	y	y	PROPN
fsr-3450	269	5	si	si	PROPN
fsr-3450	269	6	s	s	PROPN
fsr-3450	269	7	sa	sa	PROPN
fsr-3450	269	8	m	m	PROPN
fsr-3450	269	9	p	p	X
fsr-3450	269	10	le	le	X
fsr-3450	269	11	in	in	ADP
fsr-3450	269	12	th	th	X
fsr-3450	269	13	is	be	AUX
fsr-3450	269	14	re	re	VERB
fsr-3450	269	15	g	g	NOUN
fsr-3450	269	16	re	re	ADP
fsr-3450	269	17	ss	ss	PROPN
fsr-3450	269	18	io	io	X
fsr-3450	269	19	n	n	PROPN
fsr-3450	269	20	in	in	ADP
fsr-3450	269	21	cl	cl	NOUN
fsr-3450	269	22	u	u	NOUN
fsr-3450	269	23	d	d	X
fsr-3450	269	24	es	es	X
fsr-3450	269	25	th	th	X
fsr-3450	269	26	e	e	NOUN
fsr-3450	269	27	h	h	NOUN
fsr-3450	269	28	o	o	X
fsr-3450	269	29	u	u	X
fsr-3450	269	30	se	se	PROPN
fsr-3450	269	31	h	h	PROPN
fsr-3450	270	1	o	o	X
fsr-3450	270	2	ld	ld	PROPN
fsr-3450	270	3	s	s	PROPN
fsr-3450	270	4	w	w	NOUN
fsr-3450	270	5	h	h	NOUN
fsr-3450	271	1	o	o	PROPN
fsr-3450	271	2	se	se	PROPN
fsr-3450	271	3	d	d	PROPN
fsr-3450	271	4	eb	eb	PROPN
fsr-3450	271	5	t	t	PROPN
fsr-3450	271	6	to	to	ADP
fsr-3450	271	7	fi	fi	PROPN
fsr-3450	271	8	n	n	CCONJ
fsr-3450	271	9	an	an	DET
fsr-3450	271	10	ci	ci	PROPN
fsr-3450	271	11	al	al	PROPN
fsr-3450	271	12	as	as	ADP
fsr-3450	271	13	se	se	PROPN
fsr-3450	271	14	t	t	PROPN
fsr-3450	271	15	ra	ra	NOUN
fsr-3450	272	1	ti	ti	INTJ
fsr-3450	272	2	o	o	NOUN
fsr-3450	272	3	eq	eq	NOUN
fsr-3450	272	4	u	u	PROPN
fsr-3450	272	5	al	al	PROPN
fsr-3450	272	6	s	s	PROPN
fsr-3450	272	7	to	to	ADP
fsr-3450	272	8	ze	ze	PROPN
fsr-3450	272	9	ro	ro	NOUN
fsr-3450	272	10	.	.	PUNCT
fsr-3450	273	1	f	f	X
fsr-3450	274	1	o	o	NOUN
fsr-3450	274	2	r	r	X
fsr-3450	274	3	th	th	X
fsr-3450	274	4	e	e	X
fsr-3450	274	5	re	re	X
fsr-3450	274	6	d	d	X
fsr-3450	274	7	u	u	X
fsr-3450	274	8	ce	ce	PROPN
fsr-3450	274	9	d	d	X
fsr-3450	274	10	-s	-s	PROPN
fsr-3450	275	1	iz	iz	INTJ
fsr-3450	275	2	e	e	PROPN
fsr-3450	275	3	an	an	PROPN
fsr-3450	275	4	al	al	PROPN
fsr-3450	275	5	y	y	PROPN
fsr-3450	275	6	si	si	PROPN
fsr-3450	275	7	s	s	PROPN
fsr-3450	275	8	sa	sa	PROPN
fsr-3450	275	9	m	m	PROPN
fsr-3450	275	10	p	p	X
fsr-3450	275	11	le	le	PROPN
fsr-3450	275	12	w	w	PROPN
fsr-3450	275	13	h	h	PROPN
fsr-3450	276	1	ic	ic	INTJ
fsr-3450	276	2	h	h	NOUN
fsr-3450	277	1	o	o	PROPN
fsr-3450	277	2	n	n	X
fsr-3450	277	3	ly	ly	VERB
fsr-3450	277	4	in	in	ADP
fsr-3450	277	5	cl	cl	NOUN
fsr-3450	277	6	u	u	NOUN
fsr-3450	277	7	d	d	X
fsr-3450	277	8	es	es	X
fsr-3450	277	9	th	th	X
fsr-3450	277	10	e	e	NOUN
fsr-3450	277	11	h	h	NOUN
fsr-3450	277	12	o	o	X
fsr-3450	277	13	u	u	X
fsr-3450	278	1	se	se	PROPN
fsr-3450	278	2	h	h	PROPN
fsr-3450	278	3	o	o	X
fsr-3450	278	4	ld	ld	PROPN
fsr-3450	278	5	s	s	PROPN
fsr-3450	278	6	w	w	NOUN
fsr-3450	278	7	h	h	NOUN
fsr-3450	278	8	o	o	NOUN
fsr-3450	278	9	ca	can	AUX
fsr-3450	278	10	rr	rr	VERB
fsr-3450	278	11	y	y	PROPN
fsr-3450	278	12	d	d	PROPN
fsr-3450	278	13	eb	eb	PROPN
fsr-3450	278	14	t	t	PROPN
fsr-3450	278	15	,	,	PUNCT
fsr-3450	278	16	p	p	NOUN
fsr-3450	278	17	le	le	X
fsr-3450	278	18	as	as	ADP
fsr-3450	278	19	e	e	PROPN
fsr-3450	278	20	se	se	X
fsr-3450	278	21	e	e	X
fsr-3450	278	22	th	th	X
fsr-3450	278	23	e	e	X
fsr-3450	278	24	re	re	PROPN
fsr-3450	278	25	d	d	X
fsr-3450	278	26	u	u	X
fsr-3450	278	27	ce	ce	PROPN
fsr-3450	278	28	d	d	X
fsr-3450	278	29	sa	sa	PROPN
fsr-3450	278	30	m	m	PROPN
fsr-3450	278	31	p	p	X
fsr-3450	278	32	le	le	X
fsr-3450	278	33	re	re	X
fsr-3450	278	34	g	g	PROPN
fsr-3450	278	35	re	re	ADP
fsr-3450	278	36	ss	ss	PROPN
fsr-3450	278	37	io	io	PROPN
fsr-3450	278	38	n	n	PROPN
fsr-3450	278	39	re	re	PROPN
fsr-3450	278	40	su	su	PROPN
fsr-3450	278	41	lt	lt	PROPN
fsr-3450	278	42	s	s	PROPN
fsr-3450	278	43	in	in	ADP
fsr-3450	278	44	a	a	DET
fsr-3450	278	45	p	p	X
fsr-3450	278	46	p	p	X
fsr-3450	278	47	en	en	PROPN
fsr-3450	278	48	d	d	NOUN
fsr-3450	278	49	ix	ix	PROPN
fsr-3450	278	50	c	c	PROPN
fsr-3450	278	51	.	.	PUNCT
fsr-3450	279	1	c	c	PROPN
fsr-3450	279	2	t	t	PROPN
fsr-3450	279	3	h	h	NOUN
fsr-3450	279	4	e	e	PROPN
fsr-3450	279	5	an	an	PROPN
fsr-3450	279	6	al	al	PROPN
fsr-3450	279	7	y	y	PROPN
fsr-3450	279	8	si	si	PROPN
fsr-3450	279	9	s	s	PROPN
fsr-3450	279	10	sa	sa	PROPN
fsr-3450	279	11	m	m	PROPN
fsr-3450	279	12	p	p	X
fsr-3450	279	13	le	le	X
fsr-3450	279	14	in	in	ADP
fsr-3450	279	15	th	th	X
fsr-3450	279	16	is	be	AUX
fsr-3450	279	17	re	re	VERB
fsr-3450	279	18	g	g	NOUN
fsr-3450	279	19	re	re	ADP
fsr-3450	279	20	ss	ss	PROPN
fsr-3450	279	21	io	io	X
fsr-3450	279	22	n	n	PROPN
fsr-3450	279	23	in	in	ADP
fsr-3450	279	24	cl	cl	NOUN
fsr-3450	279	25	u	u	NOUN
fsr-3450	279	26	d	d	X
fsr-3450	279	27	es	es	X
fsr-3450	279	28	th	th	X
fsr-3450	279	29	e	e	NOUN
fsr-3450	279	30	h	h	NOUN
fsr-3450	279	31	o	o	X
fsr-3450	279	32	u	u	X
fsr-3450	279	33	se	se	PROPN
fsr-3450	279	34	h	h	PROPN
fsr-3450	280	1	o	o	X
fsr-3450	280	2	ld	ld	PROPN
fsr-3450	280	3	s	s	PROPN
fsr-3450	280	4	w	w	NOUN
fsr-3450	280	5	h	h	NOUN
fsr-3450	281	1	o	o	PROPN
fsr-3450	281	2	se	se	PROPN
fsr-3450	281	3	d	d	PROPN
fsr-3450	281	4	eb	eb	PROPN
fsr-3450	281	5	t	t	PROPN
fsr-3450	281	6	to	to	PART
fsr-3450	281	7	in	in	ADP
fsr-3450	281	8	co	co	NOUN
fsr-3450	281	9	m	m	PROPN
fsr-3450	281	10	e	e	NOUN
fsr-3450	281	11	ra	ra	NOUN
fsr-3450	281	12	ti	ti	INTJ
fsr-3450	281	13	o	o	NOUN
fsr-3450	281	14	eq	eq	NOUN
fsr-3450	281	15	u	u	PROPN
fsr-3450	281	16	al	al	PROPN
fsr-3450	281	17	s	s	PROPN
fsr-3450	281	18	to	to	ADP
fsr-3450	281	19	ze	ze	PROPN
fsr-3450	281	20	ro	ro	X
fsr-3450	281	21	.	.	PUNCT
fsr-3450	282	1	a	a	DET
fsr-3450	282	2	lt	lt	PRON
fsr-3450	282	3	er	er	INTJ
fsr-3450	282	4	n	n	CCONJ
fsr-3450	282	5	at	at	ADP
fsr-3450	282	6	iv	iv	ADP
fsr-3450	282	7	e	e	NOUN
fsr-3450	282	8	re	re	ADP
fsr-3450	282	9	g	g	PROPN
fsr-3450	282	10	re	re	ADP
fsr-3450	282	11	ss	ss	PROPN
fsr-3450	282	12	io	io	PROPN
fsr-3450	283	1	n	n	PROPN
fsr-3450	283	2	w	w	VERB
fsr-3450	284	1	it	it	PRON
fsr-3450	284	2	h	h	VERB
fsr-3450	284	3	th	th	X
fsr-3450	284	4	e	e	X
fsr-3450	284	5	re	re	X
fsr-3450	284	6	d	d	X
fsr-3450	284	7	u	u	X
fsr-3450	284	8	ce	ce	PROPN
fsr-3450	284	9	d	d	X
fsr-3450	284	10	sa	sa	PROPN
fsr-3450	284	11	m	m	PROPN
fsr-3450	284	12	p	p	X
fsr-3450	284	13	le	le	PROPN
fsr-3450	284	14	w	w	PROPN
fsr-3450	284	15	h	h	PROPN
fsr-3450	285	1	er	er	INTJ
fsr-3450	285	2	e	e	X
fsr-3450	285	3	o	o	NOUN
fsr-3450	285	4	n	n	X
fsr-3450	285	5	ly	ly	X
fsr-3450	286	1	h	h	NOUN
fsr-3450	287	1	o	o	X
fsr-3450	287	2	u	u	INTJ
fsr-3450	287	3	se	se	PROPN
fsr-3450	287	4	h	h	PROPN
fsr-3450	288	1	o	o	X
fsr-3450	288	2	ld	ld	PROPN
fsr-3450	288	3	s	s	VERB
fsr-3450	288	4	w	w	NOUN
fsr-3450	288	5	it	it	PRON
fsr-3450	289	1	h	h	NOUN
fsr-3450	289	2	d	d	X
fsr-3450	289	3	eb	eb	PROPN
fsr-3450	289	4	ts	ts	PROPN
fsr-3450	289	5	ar	ar	PROPN
fsr-3450	289	6	e	e	PROPN
fsr-3450	289	7	in	in	ADP
fsr-3450	289	8	cl	cl	NOUN
fsr-3450	289	9	u	u	NOUN
fsr-3450	289	10	d	d	NOUN
fsr-3450	289	11	ed	ed	NOUN
fsr-3450	289	12	is	be	AUX
fsr-3450	289	13	d	d	NOUN
fsr-3450	289	14	is	be	AUX
fsr-3450	289	15	cu	cu	PROPN
fsr-3450	289	16	ss	ss	NOUN
fsr-3450	289	17	ed	ed	NOUN
fsr-3450	289	18	in	in	ADP
fsr-3450	289	19	a	a	DET
fsr-3450	289	20	p	p	X
fsr-3450	289	21	p	p	X
fsr-3450	289	22	en	en	PROPN
fsr-3450	289	23	d	d	NOUN
fsr-3450	289	24	ix	ix	PROPN
fsr-3450	289	25	c	c	PROPN
fsr-3450	289	26	.	.	PUNCT
fsr-3450	290	1	s	s	VERB
fsr-3450	290	2	ta	ta	PROPN
fsr-3450	290	3	n	n	PROPN
fsr-3450	290	4	d	d	PROPN
fsr-3450	290	5	ar	ar	PROPN
fsr-3450	291	1	d	d	PROPN
fsr-3450	291	2	er	er	INTJ
fsr-3450	291	3	ro	ro	INTJ
fsr-3450	291	4	rs	rs	NOUN
fsr-3450	291	5	in	in	ADP
fsr-3450	291	6	p	p	PROPN
fsr-3450	291	7	ar	ar	PROPN
fsr-3450	291	8	en	en	X
fsr-3450	291	9	th	th	X
fsr-3450	291	10	es	es	X
fsr-3450	291	11	es	es	NOUN
fsr-3450	291	12	.	.	PUNCT
fsr-3450	292	1	*	*	PUNCT
fsr-3450	292	2	p	p	X
fsr-3450	292	3	<	<	X
fsr-3450	292	4	.0	.0	NUM
fsr-3450	292	5	5	5	NUM
fsr-3450	292	6	,	,	PUNCT
fsr-3450	292	7	*	*	PUNCT
fsr-3450	292	8	*	*	PUNCT
fsr-3450	293	1	p	p	X
fsr-3450	293	2	<	<	X
fsr-3450	293	3	.0	.0	NUM
fsr-3450	293	4	1	1	NUM
fsr-3450	293	5	,	,	PUNCT
fsr-3450	293	6	*	*	PUNCT
fsr-3450	294	1	*	*	PUNCT
fsr-3450	294	2	*	*	PUNCT
fsr-3450	294	3	p	p	X
fsr-3450	294	4	<	<	X
fsr-3450	294	5	.0	.0	NUM
fsr-3450	294	6	0	0	NUM
fsr-3450	294	7	1	1	NUM
fsr-3450	294	8	.	.	PUNCT
fsr-3450	295	1	132	132	NUM
fsr-3450	295	2	z.	z.	PROPN
fsr-3450	295	3	liu	liu	PROPN
fsr-3450	295	4	and	and	CCONJ
fsr-3450	295	5	d.	d.	PROPN
fsr-3450	295	6	m.	m.	PROPN
fsr-3450	295	7	blanchett	blanchett	PROPN
fsr-3450	295	8	/	/	SYM
fsr-3450	295	9	financial	financial	ADJ
fsr-3450	295	10	services	service	NOUN
fsr-3450	295	11	review	review	VERB
fsr-3450	295	12	29	29	NUM
fsr-3450	295	13	(	(	PUNCT
fsr-3450	295	14	2021	2021	NUM
fsr-3450	295	15	)	)	PUNCT
fsr-3450	295	16	121–145	121–145	NUM
fsr-3450	295	17	benefits	benefit	NOUN
fsr-3450	295	18	.	.	PUNCT
fsr-3450	296	1	the	the	DET
fsr-3450	296	2	costs	cost	NOUN
fsr-3450	296	3	associated	associate	VERB
fsr-3450	296	4	with	with	ADP
fsr-3450	296	5	good	good	ADJ
fsr-3450	296	6	debts	debt	NOUN
fsr-3450	296	7	are	be	AUX
fsr-3450	296	8	often	often	ADV
fsr-3450	296	9	outweighed	outweigh	VERB
fsr-3450	296	10	by	by	ADP
fsr-3450	296	11	the	the	DET
fsr-3450	296	12	benefits	benefit	NOUN
fsr-3450	296	13	.	.	PUNCT
fsr-3450	297	1	bad	bad	ADJ
fsr-3450	297	2	debts	debt	NOUN
fsr-3450	297	3	,	,	PUNCT
fsr-3450	297	4	on	on	ADP
fsr-3450	297	5	the	the	DET
fsr-3450	297	6	contrary	contrary	NOUN
fsr-3450	297	7	,	,	PUNCT
fsr-3450	297	8	carry	carry	VERB
fsr-3450	297	9	high	high	ADJ
fsr-3450	297	10	interest	interest	NOUN
fsr-3450	297	11	rates	rate	NOUN
fsr-3450	297	12	with	with	ADP
fsr-3450	297	13	little	little	ADJ
fsr-3450	297	14	or	or	CCONJ
fsr-3450	297	15	no	no	PRON
fsr-3450	297	16	long	long	ADJ
fsr-3450	297	17	-	-	PUNCT
fsr-3450	297	18	term	term	NOUN
fsr-3450	297	19	returns	return	NOUN
fsr-3450	297	20	(	(	PUNCT
fsr-3450	297	21	hanson	hanson	NOUN
fsr-3450	297	22	,	,	PUNCT
fsr-3450	297	23	2006	2006	NUM
fsr-3450	297	24	)	)	PUNCT
fsr-3450	297	25	.	.	PUNCT
fsr-3450	298	1	these	these	DET
fsr-3450	298	2	types	type	NOUN
fsr-3450	298	3	of	of	ADP
fsr-3450	298	4	debts	debt	NOUN
fsr-3450	298	5	can	can	AUX
fsr-3450	298	6	potentially	potentially	ADV
fsr-3450	298	7	negatively	negatively	ADV
fsr-3450	298	8	impact	impact	VERB
fsr-3450	298	9	the	the	DET
fsr-3450	298	10	borrower	borrower	NOUN
fsr-3450	298	11	’s	’s	PART
fsr-3450	298	12	credit	credit	NOUN
fsr-3450	298	13	scores	score	NOUN
fsr-3450	298	14	,	,	PUNCT
fsr-3450	298	15	retirement	retirement	NOUN
fsr-3450	298	16	goals	goal	NOUN
fsr-3450	298	17	,	,	PUNCT
fsr-3450	298	18	and	and	CCONJ
fsr-3450	298	19	financial	financial	ADJ
fsr-3450	298	20	health	health	NOUN
fsr-3450	298	21	,	,	PUNCT
fsr-3450	298	22	as	as	ADV
fsr-3450	298	23	well	well	ADV
fsr-3450	298	24	as	as	ADP
fsr-3450	298	25	family	family	NOUN
fsr-3450	298	26	relationships	relationship	NOUN
fsr-3450	298	27	.	.	PUNCT
fsr-3450	299	1	in	in	ADP
fsr-3450	299	2	some	some	DET
fsr-3450	299	3	circumstances	circumstance	NOUN
fsr-3450	299	4	,	,	PUNCT
fsr-3450	299	5	bad	bad	ADJ
fsr-3450	299	6	debts	debt	NOUN
fsr-3450	299	7	can	can	AUX
fsr-3450	299	8	create	create	VERB
fsr-3450	299	9	a	a	DET
fsr-3450	299	10	vicious	vicious	ADJ
fsr-3450	299	11	borrowing	borrowing	NOUN
fsr-3450	299	12	cycle	cycle	NOUN
fsr-3450	299	13	for	for	ADP
fsr-3450	299	14	some	some	DET
fsr-3450	299	15	families	family	NOUN
fsr-3450	299	16	and	and	CCONJ
fsr-3450	299	17	cause	cause	VERB
fsr-3450	299	18	stress	stress	NOUN
fsr-3450	299	19	and	and	CCONJ
fsr-3450	299	20	mental	mental	ADJ
fsr-3450	299	21	as	as	ADV
fsr-3450	299	22	well	well	ADV
fsr-3450	299	23	as	as	ADP
fsr-3450	299	24	physical	physical	ADJ
fsr-3450	299	25	health	health	NOUN
fsr-3450	299	26	problems	problem	NOUN
fsr-3450	299	27	(	(	PUNCT
fsr-3450	299	28	davies	davy	NOUN
fsr-3450	299	29	,	,	PUNCT
fsr-3450	299	30	montgomerie	montgomerie	NOUN
fsr-3450	299	31	,	,	PUNCT
fsr-3450	299	32	&	&	CCONJ
fsr-3450	299	33	wallin	wallin	PROPN
fsr-3450	299	34	2015	2015	NUM
fsr-3450	299	35	)	)	PUNCT
fsr-3450	299	36	.	.	PUNCT
fsr-3450	300	1	the	the	DET
fsr-3450	300	2	negative	negative	ADJ
fsr-3450	300	3	health	health	NOUN
fsr-3450	300	4	effects	effect	NOUN
fsr-3450	300	5	of	of	ADP
fsr-3450	300	6	debt	debt	NOUN
fsr-3450	300	7	(	(	PUNCT
fsr-3450	300	8	i.e.	i.e.	X
fsr-3450	300	9	,	,	PUNCT
fsr-3450	300	10	the	the	DET
fsr-3450	300	11	“	"	PUNCT
fsr-3450	300	12	high	high	ADJ
fsr-3450	300	13	price	price	NOUN
fsr-3450	300	14	of	of	ADP
fsr-3450	300	15	debt	debt	NOUN
fsr-3450	300	16	”	"	PUNCT
fsr-3450	300	17	)	)	PUNCT
fsr-3450	300	18	is	be	AUX
fsr-3450	300	19	a	a	DET
fsr-3450	300	20	phenomenon	phenomenon	NOUN
fsr-3450	300	21	noted	note	VERB
fsr-3450	300	22	both	both	CCONJ
fsr-3450	300	23	in	in	ADP
fsr-3450	300	24	the	the	DET
fsr-3450	300	25	united	united	PROPN
fsr-3450	300	26	states	states	PROPN
fsr-3450	300	27	(	(	PUNCT
fsr-3450	300	28	sweet	sweet	ADJ
fsr-3450	300	29	et	et	PROPN
fsr-3450	300	30	al	al	PROPN
fsr-3450	300	31	.	.	PROPN
fsr-3450	300	32	,	,	PUNCT
fsr-3450	300	33	2013	2013	NUM
fsr-3450	300	34	)	)	PUNCT
fsr-3450	300	35	and	and	CCONJ
fsr-3450	300	36	internationally	internationally	ADV
fsr-3450	300	37	(	(	PUNCT
fsr-3450	300	38	clayton	clayton	PROPN
fsr-3450	300	39	,	,	PUNCT
fsr-3450	300	40	liñares	liñares	PROPN
fsr-3450	300	41	-	-	PUNCT
fsr-3450	300	42	zegarra	zegarra	PROPN
fsr-3450	300	43	,	,	PUNCT
fsr-3450	300	44	&	&	CCONJ
fsr-3450	300	45	wilson	wilson	PROPN
fsr-3450	300	46	,	,	PUNCT
fsr-3450	300	47	2015	2015	NUM
fsr-3450	300	48	)	)	PUNCT
fsr-3450	300	49	.	.	PUNCT
fsr-3450	301	1	this	this	DET
fsr-3450	301	2	article	article	NOUN
fsr-3450	301	3	explores	explore	VERB
fsr-3450	301	4	the	the	DET
fsr-3450	301	5	different	different	ADJ
fsr-3450	301	6	factors	factor	NOUN
fsr-3450	301	7	that	that	PRON
fsr-3450	301	8	are	be	AUX
fsr-3450	301	9	potentially	potentially	ADV
fsr-3450	301	10	related	relate	VERB
fsr-3450	301	11	to	to	ADP
fsr-3450	301	12	households	household	NOUN
fsr-3450	301	13	carrying	carry	VERB
fsr-3450	301	14	bad	bad	ADJ
fsr-3450	301	15	debts	debt	NOUN
fsr-3450	301	16	.	.	PUNCT
fsr-3450	302	1	we	we	PRON
fsr-3450	302	2	first	first	ADV
fsr-3450	302	3	investigate	investigate	VERB
fsr-3450	302	4	these	these	DET
fsr-3450	302	5	potential	potential	ADJ
fsr-3450	302	6	factors	factor	NOUN
fsr-3450	302	7	by	by	ADP
fsr-3450	302	8	separating	separate	VERB
fsr-3450	302	9	debt	debt	NOUN
fsr-3450	302	10	categories	category	NOUN
fsr-3450	302	11	.	.	PUNCT
fsr-3450	303	1	(	(	PUNCT
fsr-3450	303	2	in	in	ADP
fsr-3450	303	3	table	table	NOUN
fsr-3450	303	4	2	2	NUM
fsr-3450	303	5	,	,	PUNCT
fsr-3450	303	6	we	we	PRON
fsr-3450	303	7	chose	choose	VERB
fsr-3450	303	8	credit	credit	NOUN
fsr-3450	303	9	card	card	NOUN
fsr-3450	303	10	revolving	revolving	NOUN
fsr-3450	303	11	balances	balance	NOUN
fsr-3450	303	12	as	as	ADP
fsr-3450	303	13	a	a	DET
fsr-3450	303	14	representation	representation	NOUN
fsr-3450	303	15	of	of	ADP
fsr-3450	303	16	bad	bad	ADJ
fsr-3450	303	17	debt	debt	NOUN
fsr-3450	303	18	and	and	CCONJ
fsr-3450	303	19	mortgages	mortgage	NOUN
fsr-3450	303	20	as	as	ADP
fsr-3450	303	21	an	an	DET
fsr-3450	303	22	example	example	NOUN
fsr-3450	303	23	of	of	ADP
fsr-3450	303	24	good	good	ADJ
fsr-3450	303	25	debt	debt	NOUN
fsr-3450	303	26	.	.	PUNCT
fsr-3450	303	27	)	)	PUNCT
fsr-3450	304	1	then	then	ADV
fsr-3450	304	2	,	,	PUNCT
fsr-3450	304	3	we	we	PRON
fsr-3450	304	4	utilize	utilize	VERB
fsr-3450	304	5	different	different	ADJ
fsr-3450	304	6	interest	interest	NOUN
fsr-3450	304	7	rate	rate	NOUN
fsr-3450	304	8	measures	measure	NOUN
fsr-3450	304	9	to	to	PART
fsr-3450	304	10	check	check	VERB
fsr-3450	304	11	the	the	DET
fsr-3450	304	12	relationships	relationship	NOUN
fsr-3450	304	13	between	between	ADP
fsr-3450	304	14	these	these	DET
fsr-3450	304	15	factors	factor	NOUN
fsr-3450	304	16	and	and	CCONJ
fsr-3450	304	17	high	high	ADJ
fsr-3450	304	18	interest	interest	NOUN
fsr-3450	304	19	rates	rate	NOUN
fsr-3450	304	20	(	(	PUNCT
fsr-3450	304	21	table	table	NOUN
fsr-3450	304	22	3	3	NUM
fsr-3450	304	23	)	)	PUNCT
fsr-3450	304	24	.	.	PUNCT
fsr-3450	305	1	although	although	SCONJ
fsr-3450	305	2	liquid	liquid	ADJ
fsr-3450	305	3	assets	asset	NOUN
fsr-3450	305	4	and	and	CCONJ
fsr-3450	305	5	interest	interest	NOUN
fsr-3450	305	6	rates	rate	NOUN
fsr-3450	305	7	are	be	AUX
fsr-3450	305	8	both	both	PRON
fsr-3450	305	9	predicted	predict	VERB
fsr-3450	305	10	to	to	PART
fsr-3450	305	11	be	be	AUX
fsr-3450	305	12	associated	associate	VERB
fsr-3450	305	13	with	with	ADP
fsr-3450	305	14	household	household	NOUN
fsr-3450	305	15	leveraging	leveraging	NOUN
fsr-3450	305	16	,	,	PUNCT
fsr-3450	305	17	we	we	PRON
fsr-3450	305	18	expect	expect	VERB
fsr-3450	305	19	these	these	DET
fsr-3450	305	20	factors	factor	NOUN
fsr-3450	305	21	to	to	PART
fsr-3450	305	22	play	play	VERB
fsr-3450	305	23	different	different	ADJ
fsr-3450	305	24	roles	role	NOUN
fsr-3450	305	25	when	when	SCONJ
fsr-3450	305	26	it	it	PRON
fsr-3450	305	27	comes	come	VERB
fsr-3450	305	28	to	to	ADP
fsr-3450	305	29	“	"	PUNCT
fsr-3450	305	30	good	good	ADJ
fsr-3450	305	31	debts	debt	NOUN
fsr-3450	305	32	”	"	PUNCT
fsr-3450	305	33	versus	versus	ADP
fsr-3450	305	34	“	"	PUNCT
fsr-3450	305	35	bad	bad	ADJ
fsr-3450	305	36	debt	debt	NOUN
fsr-3450	305	37	.	.	PUNCT
fsr-3450	305	38	”	"	PUNCT
fsr-3450	306	1	in	in	ADP
fsr-3450	306	2	particular	particular	ADJ
fsr-3450	306	3	,	,	PUNCT
fsr-3450	306	4	we	we	PRON
fsr-3450	306	5	want	want	VERB
fsr-3450	306	6	to	to	PART
fsr-3450	306	7	test	test	VERB
fsr-3450	306	8	whether	whether	SCONJ
fsr-3450	306	9	interest	interest	NOUN
fsr-3450	306	10	rate	rate	NOUN
fsr-3450	306	11	has	have	VERB
fsr-3450	306	12	more	more	ADV
fsr-3450	306	13	significant	significant	ADJ
fsr-3450	306	14	negative	negative	ADJ
fsr-3450	306	15	relationships	relationship	NOUN
fsr-3450	306	16	with	with	ADP
fsr-3450	306	17	mortgages	mortgage	NOUN
fsr-3450	306	18	due	due	ADJ
fsr-3450	306	19	to	to	ADP
fsr-3450	306	20	the	the	DET
fsr-3450	306	21	large	large	ADJ
fsr-3450	306	22	size	size	NOUN
fsr-3450	306	23	and	and	CCONJ
fsr-3450	306	24	long	long	ADJ
fsr-3450	306	25	durations	duration	NOUN
fsr-3450	306	26	of	of	ADP
fsr-3450	306	27	the	the	DET
fsr-3450	306	28	debt	debt	NOUN
fsr-3450	306	29	,	,	PUNCT
fsr-3450	306	30	and	and	CCONJ
fsr-3450	306	31	whether	whether	SCONJ
fsr-3450	306	32	liquid	liquid	ADJ
fsr-3450	306	33	assets	asset	NOUN
fsr-3450	306	34	level	level	NOUN
fsr-3450	306	35	is	be	AUX
fsr-3450	306	36	more	more	ADV
fsr-3450	306	37	significantly	significantly	ADV
fsr-3450	306	38	and	and	CCONJ
fsr-3450	306	39	negatively	negatively	ADV
fsr-3450	306	40	related	relate	VERB
fsr-3450	306	41	to	to	ADP
fsr-3450	306	42	credit	credit	NOUN
fsr-3450	306	43	card	card	NOUN
fsr-3450	306	44	debts	debt	NOUN
fsr-3450	306	45	due	due	ADP
fsr-3450	306	46	to	to	ADP
fsr-3450	306	47	the	the	DET
fsr-3450	306	48	“	"	PUNCT
fsr-3450	306	49	liquidity	liquidity	NOUN
fsr-3450	306	50	needs	need	VERB
fsr-3450	306	51	compromise	compromise	NOUN
fsr-3450	306	52	.	.	PUNCT
fsr-3450	306	53	”	"	PUNCT
fsr-3450	307	1	in	in	ADP
fsr-3450	307	2	addition	addition	NOUN
fsr-3450	307	3	,	,	PUNCT
fsr-3450	307	4	we	we	PRON
fsr-3450	307	5	expect	expect	VERB
fsr-3450	307	6	to	to	PART
fsr-3450	307	7	observe	observe	VERB
fsr-3450	307	8	negative	negative	ADJ
fsr-3450	307	9	significant	significant	ADJ
fsr-3450	307	10	relationships	relationship	NOUN
fsr-3450	307	11	between	between	ADP
fsr-3450	307	12	household	household	NOUN
fsr-3450	307	13	financial	financial	ADJ
fsr-3450	307	14	planning	planning	NOUN
fsr-3450	307	15	horizons	horizon	NOUN
fsr-3450	307	16	and	and	CCONJ
fsr-3450	307	17	the	the	DET
fsr-3450	307	18	amount	amount	NOUN
fsr-3450	307	19	of	of	ADP
fsr-3450	307	20	both	both	DET
fsr-3450	307	21	types	type	NOUN
fsr-3450	307	22	of	of	ADP
fsr-3450	307	23	debts	debt	NOUN
fsr-3450	307	24	.	.	PUNCT
fsr-3450	308	1	the	the	DET
fsr-3450	308	2	regression	regression	NOUN
fsr-3450	308	3	results	result	VERB
fsr-3450	308	4	in	in	ADP
fsr-3450	308	5	table	table	NOUN
fsr-3450	308	6	2	2	NUM
fsr-3450	308	7	indicate	indicate	VERB
fsr-3450	308	8	that	that	SCONJ
fsr-3450	308	9	although	although	SCONJ
fsr-3450	308	10	some	some	DET
fsr-3450	308	11	household	household	NOUN
fsr-3450	308	12	attributes	attribute	NOUN
fsr-3450	308	13	are	be	AUX
fsr-3450	308	14	related	relate	VERB
fsr-3450	308	15	to	to	ADP
fsr-3450	308	16	both	both	CCONJ
fsr-3450	308	17	good	good	ADJ
fsr-3450	308	18	and	and	CCONJ
fsr-3450	308	19	bad	bad	ADJ
fsr-3450	308	20	debts	debt	NOUN
fsr-3450	308	21	,	,	PUNCT
fsr-3450	308	22	certain	certain	ADJ
fsr-3450	308	23	factors	factor	NOUN
fsr-3450	308	24	are	be	AUX
fsr-3450	308	25	particularly	particularly	ADV
fsr-3450	308	26	noteworthy	noteworthy	ADJ
fsr-3450	308	27	when	when	SCONJ
fsr-3450	308	28	it	it	PRON
fsr-3450	308	29	comes	come	VERB
fsr-3450	308	30	to	to	ADP
fsr-3450	308	31	explaining	explain	VERB
fsr-3450	308	32	what	what	PRON
fsr-3450	308	33	kinds	kind	NOUN
fsr-3450	308	34	of	of	ADP
fsr-3450	308	35	households	household	NOUN
fsr-3450	308	36	are	be	AUX
fsr-3450	308	37	more	more	ADV
fsr-3450	308	38	likely	likely	ADJ
fsr-3450	308	39	to	to	PART
fsr-3450	308	40	carry	carry	VERB
fsr-3450	308	41	bad	bad	ADJ
fsr-3450	308	42	debts	debt	NOUN
fsr-3450	308	43	.	.	PUNCT
fsr-3450	309	1	having	have	VERB
fsr-3450	309	2	more	more	ADJ
fsr-3450	309	3	children	child	NOUN
fsr-3450	309	4	is	be	AUX
fsr-3450	309	5	positively	positively	ADV
fsr-3450	309	6	associated	associate	VERB
fsr-3450	309	7	with	with	ADP
fsr-3450	309	8	both	both	DET
fsr-3450	309	9	credit	credit	NOUN
fsr-3450	309	10	card	card	NOUN
fsr-3450	309	11	loans	loan	NOUN
fsr-3450	309	12	and	and	CCONJ
fsr-3450	309	13	mortgages	mortgage	NOUN
fsr-3450	309	14	.	.	PUNCT
fsr-3450	310	1	however	however	ADV
fsr-3450	310	2	,	,	PUNCT
fsr-3450	310	3	other	other	ADJ
fsr-3450	310	4	factors	factor	NOUN
fsr-3450	310	5	such	such	ADJ
fsr-3450	310	6	as	as	ADP
fsr-3450	310	7	interest	interest	NOUN
fsr-3450	310	8	rate	rate	NOUN
fsr-3450	310	9	,	,	PUNCT
fsr-3450	310	10	real	real	ADJ
fsr-3450	310	11	assets	asset	NOUN
fsr-3450	310	12	,	,	PUNCT
fsr-3450	310	13	liquid	liquid	ADJ
fsr-3450	310	14	assets	asset	NOUN
fsr-3450	310	15	,	,	PUNCT
fsr-3450	310	16	and	and	CCONJ
fsr-3450	310	17	income	income	NOUN
fsr-3450	310	18	have	have	VERB
fsr-3450	310	19	different	different	ADJ
fsr-3450	310	20	relationships	relationship	NOUN
fsr-3450	310	21	with	with	ADP
fsr-3450	310	22	credit	credit	NOUN
fsr-3450	310	23	card	card	NOUN
fsr-3450	310	24	debt	debt	NOUN
fsr-3450	310	25	compared	compare	VERB
fsr-3450	310	26	with	with	ADP
fsr-3450	310	27	mortgages	mortgage	NOUN
fsr-3450	310	28	.	.	PUNCT
fsr-3450	311	1	for	for	ADP
fsr-3450	311	2	instance	instance	NOUN
fsr-3450	311	3	,	,	PUNCT
fsr-3450	311	4	mortgages	mortgage	NOUN
fsr-3450	311	5	are	be	AUX
fsr-3450	311	6	more	more	ADV
fsr-3450	311	7	sensitive	sensitive	ADJ
fsr-3450	311	8	to	to	ADP
fsr-3450	311	9	interest	interest	NOUN
fsr-3450	311	10	rate	rate	NOUN
fsr-3450	311	11	changes	change	NOUN
fsr-3450	311	12	,	,	PUNCT
fsr-3450	311	13	but	but	CCONJ
fsr-3450	311	14	credit	credit	NOUN
fsr-3450	311	15	card	card	NOUN
fsr-3450	311	16	loans	loan	NOUN
fsr-3450	311	17	are	be	AUX
fsr-3450	311	18	more	more	ADV
fsr-3450	311	19	sensitive	sensitive	ADJ
fsr-3450	311	20	to	to	ADP
fsr-3450	311	21	liquid	liquid	ADJ
fsr-3450	311	22	assets	asset	NOUN
fsr-3450	311	23	and	and	CCONJ
fsr-3450	311	24	income	income	NOUN
fsr-3450	311	25	.	.	PUNCT
fsr-3450	312	1	the	the	DET
fsr-3450	312	2	reason	reason	NOUN
fsr-3450	312	3	behind	behind	ADP
fsr-3450	312	4	this	this	DET
fsr-3450	312	5	difference	difference	NOUN
fsr-3450	312	6	could	could	AUX
fsr-3450	312	7	be	be	AUX
fsr-3450	312	8	interpreted	interpret	VERB
fsr-3450	312	9	as	as	ADP
fsr-3450	312	10	“	"	PUNCT
fsr-3450	312	11	liquidity	liquidity	NOUN
fsr-3450	312	12	needs	need	NOUN
fsr-3450	312	13	”	"	PUNCT
fsr-3450	312	14	compromise	compromise	NOUN
fsr-3450	312	15	.	.	PUNCT
fsr-3450	313	1	credit	credit	NOUN
fsr-3450	313	2	card	card	NOUN
fsr-3450	313	3	loans	loan	NOUN
fsr-3450	313	4	are	be	AUX
fsr-3450	313	5	often	often	ADV
fsr-3450	313	6	used	use	VERB
fsr-3450	313	7	to	to	PART
fsr-3450	313	8	cover	cover	VERB
fsr-3450	313	9	short	short	ADJ
fsr-3450	313	10	-	-	PUNCT
fsr-3450	313	11	term	term	NOUN
fsr-3450	313	12	liquidity	liquidity	NOUN
fsr-3450	313	13	needs	need	NOUN
fsr-3450	313	14	.	.	PUNCT
fsr-3450	314	1	their	their	PRON
fsr-3450	314	2	insensitivity	insensitivity	NOUN
fsr-3450	314	3	toward	toward	ADP
fsr-3450	314	4	interest	interest	NOUN
fsr-3450	314	5	rates	rate	NOUN
fsr-3450	314	6	could	could	AUX
fsr-3450	314	7	be	be	AUX
fsr-3450	314	8	largely	largely	ADV
fsr-3450	314	9	caused	cause	VERB
fsr-3450	314	10	by	by	ADP
fsr-3450	314	11	a	a	DET
fsr-3450	314	12	lack	lack	NOUN
fsr-3450	314	13	of	of	ADP
fsr-3450	314	14	liquid	liquid	ADJ
fsr-3450	314	15	assets	asset	NOUN
fsr-3450	314	16	to	to	PART
fsr-3450	314	17	cover	cover	VERB
fsr-3450	314	18	certain	certain	ADJ
fsr-3450	314	19	short	short	ADJ
fsr-3450	314	20	-	-	PUNCT
fsr-3450	314	21	term	term	NOUN
fsr-3450	314	22	needs	need	NOUN
fsr-3450	314	23	(	(	PUNCT
fsr-3450	314	24	such	such	ADJ
fsr-3450	314	25	as	as	ADP
fsr-3450	314	26	holiday	holiday	NOUN
fsr-3450	314	27	shopping	shopping	NOUN
fsr-3450	314	28	,	,	PUNCT
fsr-3450	314	29	etc	etc	X
fsr-3450	314	30	.	.	X
fsr-3450	314	31	)	)	PUNCT
fsr-3450	314	32	.	.	PUNCT
fsr-3450	315	1	therefore	therefore	ADV
fsr-3450	315	2	,	,	PUNCT
fsr-3450	315	3	credit	credit	NOUN
fsr-3450	315	4	card	card	NOUN
fsr-3450	315	5	debts	debt	NOUN
fsr-3450	315	6	are	be	AUX
fsr-3450	315	7	negatively	negatively	ADV
fsr-3450	315	8	related	relate	VERB
fsr-3450	315	9	to	to	ADP
fsr-3450	315	10	liquid	liquid	ADJ
fsr-3450	315	11	asset	asset	NOUN
fsr-3450	315	12	levels	level	NOUN
fsr-3450	315	13	.	.	PUNCT
fsr-3450	316	1	on	on	ADP
fsr-3450	316	2	the	the	DET
fsr-3450	316	3	contrary	contrary	NOUN
fsr-3450	316	4	,	,	PUNCT
fsr-3450	316	5	mortgages	mortgage	NOUN
fsr-3450	316	6	are	be	AUX
fsr-3450	316	7	negatively	negatively	ADV
fsr-3450	316	8	associated	associate	VERB
fsr-3450	316	9	with	with	ADP
fsr-3450	316	10	interest	interest	NOUN
fsr-3450	316	11	rates	rate	NOUN
fsr-3450	316	12	because	because	SCONJ
fsr-3450	316	13	of	of	ADP
fsr-3450	316	14	their	their	PRON
fsr-3450	316	15	relatively	relatively	ADV
fsr-3450	316	16	larger	large	ADJ
fsr-3450	316	17	debt	debt	NOUN
fsr-3450	316	18	size	size	NOUN
fsr-3450	316	19	(	(	PUNCT
fsr-3450	316	20	hence	hence	ADV
fsr-3450	316	21	larger	large	ADJ
fsr-3450	316	22	interest	interest	NOUN
fsr-3450	316	23	payments	payment	NOUN
fsr-3450	316	24	)	)	PUNCT
fsr-3450	316	25	and	and	CCONJ
fsr-3450	316	26	longer	long	ADJ
fsr-3450	316	27	investment	investment	NOUN
fsr-3450	316	28	horizon	horizon	NOUN
fsr-3450	316	29	.	.	PUNCT
fsr-3450	317	1	one	one	NUM
fsr-3450	317	2	interpretation	interpretation	NOUN
fsr-3450	317	3	of	of	ADP
fsr-3450	317	4	the	the	DET
fsr-3450	317	5	income	income	NOUN
fsr-3450	317	6	effect	effect	NOUN
fsr-3450	317	7	on	on	ADP
fsr-3450	317	8	credit	credit	NOUN
fsr-3450	317	9	card	card	NOUN
fsr-3450	317	10	loans	loan	NOUN
fsr-3450	317	11	could	could	AUX
fsr-3450	317	12	be	be	AUX
fsr-3450	317	13	that	that	SCONJ
fsr-3450	317	14	,	,	PUNCT
fsr-3450	317	15	keeping	keep	VERB
fsr-3450	317	16	everything	everything	PRON
fsr-3450	317	17	else	else	ADV
fsr-3450	317	18	(	(	PUNCT
fsr-3450	317	19	including	include	VERB
fsr-3450	317	20	liquid	liquid	ADJ
fsr-3450	317	21	assets	asset	NOUN
fsr-3450	317	22	)	)	PUNCT
fsr-3450	317	23	equal	equal	ADJ
fsr-3450	317	24	,	,	PUNCT
fsr-3450	317	25	households	household	NOUN
fsr-3450	317	26	with	with	ADP
fsr-3450	317	27	higher	high	ADJ
fsr-3450	317	28	incomes	income	NOUN
fsr-3450	317	29	have	have	VERB
fsr-3450	317	30	the	the	DET
fsr-3450	317	31	ability	ability	NOUN
fsr-3450	317	32	and	and	CCONJ
fsr-3450	317	33	resources	resource	NOUN
fsr-3450	317	34	to	to	PART
fsr-3450	317	35	borrow	borrow	VERB
fsr-3450	317	36	—	—	PUNCT
fsr-3450	317	37	and	and	CCONJ
fsr-3450	317	38	pay	pay	VERB
fsr-3450	317	39	back	back	ADV
fsr-3450	317	40	—	—	PUNCT
fsr-3450	317	41	more	more	ADJ
fsr-3450	317	42	credit	credit	NOUN
fsr-3450	317	43	card	card	NOUN
fsr-3450	317	44	loans	loan	NOUN
fsr-3450	317	45	.	.	PUNCT
fsr-3450	318	1	age	age	NOUN
fsr-3450	318	2	is	be	AUX
fsr-3450	318	3	another	another	DET
fsr-3450	318	4	factor	factor	NOUN
fsr-3450	318	5	that	that	PRON
fsr-3450	318	6	is	be	AUX
fsr-3450	318	7	only	only	ADV
fsr-3450	318	8	negatively	negatively	ADV
fsr-3450	318	9	related	relate	VERB
fsr-3450	318	10	to	to	ADP
fsr-3450	318	11	mortgages	mortgage	NOUN
fsr-3450	318	12	.	.	PUNCT
fsr-3450	319	1	this	this	DET
fsr-3450	319	2	finding	finding	NOUN
fsr-3450	319	3	indicates	indicate	VERB
fsr-3450	319	4	that	that	SCONJ
fsr-3450	319	5	older	old	ADJ
fsr-3450	319	6	households	household	NOUN
fsr-3450	319	7	are	be	AUX
fsr-3450	319	8	more	more	ADV
fsr-3450	319	9	likely	likely	ADJ
fsr-3450	319	10	to	to	PART
fsr-3450	319	11	have	have	AUX
fsr-3450	319	12	had	have	VERB
fsr-3450	319	13	a	a	DET
fsr-3450	319	14	longer	long	ADJ
fsr-3450	319	15	time	time	NOUN
fsr-3450	319	16	to	to	PART
fsr-3450	319	17	pay	pay	VERB
fsr-3450	319	18	off	off	ADP
fsr-3450	319	19	their	their	PRON
fsr-3450	319	20	mortgages	mortgage	NOUN
fsr-3450	319	21	and	and	CCONJ
fsr-3450	319	22	hence	hence	ADV
fsr-3450	319	23	reduce	reduce	VERB
fsr-3450	319	24	the	the	DET
fsr-3450	319	25	size	size	NOUN
fsr-3450	319	26	of	of	ADP
fsr-3450	319	27	this	this	DET
fsr-3450	319	28	type	type	NOUN
fsr-3450	319	29	of	of	ADP
fsr-3450	319	30	good	good	ADJ
fsr-3450	319	31	debt	debt	NOUN
fsr-3450	319	32	.	.	PUNCT
fsr-3450	320	1	because	because	SCONJ
fsr-3450	320	2	houses	house	NOUN
fsr-3450	320	3	are	be	AUX
fsr-3450	320	4	a	a	DET
fsr-3450	320	5	major	major	ADJ
fsr-3450	320	6	component	component	NOUN
fsr-3450	320	7	of	of	ADP
fsr-3450	320	8	most	most	ADJ
fsr-3450	320	9	households	household	NOUN
fsr-3450	320	10	’	'	PUNCT
fsr-3450	320	11	real	real	ADJ
fsr-3450	320	12	assets	asset	NOUN
fsr-3450	320	13	,	,	PUNCT
fsr-3450	320	14	it	it	PRON
fsr-3450	320	15	is	be	AUX
fsr-3450	320	16	not	not	PART
fsr-3450	320	17	surprising	surprising	ADJ
fsr-3450	320	18	that	that	SCONJ
fsr-3450	320	19	the	the	DET
fsr-3450	320	20	real	real	ADJ
fsr-3450	320	21	asset	asset	NOUN
fsr-3450	320	22	level	level	NOUN
fsr-3450	320	23	is	be	AUX
fsr-3450	320	24	positively	positively	ADV
fsr-3450	320	25	related	relate	VERB
fsr-3450	320	26	to	to	ADP
fsr-3450	320	27	family	family	NOUN
fsr-3450	320	28	mortgage	mortgage	NOUN
fsr-3450	320	29	loans	loan	NOUN
fsr-3450	320	30	.	.	PUNCT
fsr-3450	321	1	the	the	DET
fsr-3450	321	2	financial	financial	ADJ
fsr-3450	321	3	planning	planning	NOUN
fsr-3450	321	4	horizon	horizon	NOUN
fsr-3450	321	5	factor	factor	NOUN
fsr-3450	321	6	is	be	AUX
fsr-3450	321	7	negatively	negatively	ADV
fsr-3450	321	8	associated	associate	VERB
fsr-3450	321	9	with	with	ADP
fsr-3450	321	10	both	both	DET
fsr-3450	321	11	credit	credit	NOUN
fsr-3450	321	12	card	card	NOUN
fsr-3450	321	13	loans	loan	NOUN
fsr-3450	321	14	and	and	CCONJ
fsr-3450	321	15	mortgages	mortgage	NOUN
fsr-3450	321	16	in	in	ADP
fsr-3450	321	17	z.	z.	PROPN
fsr-3450	321	18	liu	liu	PROPN
fsr-3450	321	19	and	and	CCONJ
fsr-3450	321	20	d.	d.	PROPN
fsr-3450	321	21	m.	m.	PROPN
fsr-3450	321	22	blanchett	blanchett	PROPN
fsr-3450	321	23	/	/	SYM
fsr-3450	321	24	financial	financial	ADJ
fsr-3450	321	25	services	service	NOUN
fsr-3450	321	26	review	review	VERB
fsr-3450	321	27	29	29	NUM
fsr-3450	321	28	(	(	PUNCT
fsr-3450	321	29	2021	2021	NUM
fsr-3450	321	30	)	)	PUNCT
fsr-3450	322	1	121–145	121–145	NUM
fsr-3450	322	2	133	133	NUM
fsr-3450	322	3	table	table	NOUN
fsr-3450	322	4	2	2	NUM
fsr-3450	322	5	.	.	PUNCT
fsr-3450	323	1	this	this	PRON
fsr-3450	323	2	is	be	AUX
fsr-3450	323	3	consistent	consistent	ADJ
fsr-3450	323	4	with	with	ADP
fsr-3450	323	5	the	the	DET
fsr-3450	323	6	previous	previous	ADJ
fsr-3450	323	7	regression	regression	NOUN
fsr-3450	323	8	results	result	NOUN
fsr-3450	323	9	,	,	PUNCT
fsr-3450	323	10	indicating	indicate	VERB
fsr-3450	323	11	that	that	SCONJ
fsr-3450	323	12	families	family	NOUN
fsr-3450	323	13	with	with	ADP
fsr-3450	323	14	longer	long	ADJ
fsr-3450	323	15	financial	financial	ADJ
fsr-3450	323	16	planning	planning	NOUN
fsr-3450	323	17	horizons	horizon	NOUN
fsr-3450	323	18	are	be	AUX
fsr-3450	323	19	less	less	ADV
fsr-3450	323	20	likely	likely	ADJ
fsr-3450	323	21	to	to	PART
fsr-3450	323	22	carry	carry	VERB
fsr-3450	323	23	both	both	DET
fsr-3450	323	24	kinds	kind	NOUN
fsr-3450	323	25	of	of	ADP
fsr-3450	323	26	debts	debt	NOUN
fsr-3450	323	27	.	.	PUNCT
fsr-3450	324	1	a	a	DET
fsr-3450	324	2	major	major	ADJ
fsr-3450	324	3	focus	focus	NOUN
fsr-3450	324	4	of	of	ADP
fsr-3450	324	5	household	household	NOUN
fsr-3450	324	6	liability	liability	NOUN
fsr-3450	324	7	management	management	NOUN
fsr-3450	324	8	is	be	AUX
fsr-3450	324	9	to	to	PART
fsr-3450	324	10	help	help	VERB
fsr-3450	324	11	the	the	DET
fsr-3450	324	12	targeted	target	VERB
fsr-3450	324	13	families	family	NOUN
fsr-3450	324	14	to	to	PART
fsr-3450	324	15	reduce	reduce	VERB
fsr-3450	324	16	the	the	DET
fsr-3450	324	17	interest	interest	NOUN
fsr-3450	324	18	rates	rate	NOUN
fsr-3450	324	19	of	of	ADP
fsr-3450	324	20	their	their	PRON
fsr-3450	324	21	debts	debt	NOUN
fsr-3450	324	22	.	.	PUNCT
fsr-3450	325	1	the	the	DET
fsr-3450	325	2	following	follow	VERB
fsr-3450	325	3	analysis	analysis	NOUN
fsr-3450	325	4	seeks	seek	VERB
fsr-3450	325	5	to	to	PART
fsr-3450	325	6	explore	explore	VERB
fsr-3450	325	7	what	what	PRON
fsr-3450	325	8	kind	kind	NOUN
fsr-3450	325	9	of	of	ADP
fsr-3450	325	10	factors	factor	NOUN
fsr-3450	325	11	are	be	AUX
fsr-3450	325	12	associated	associate	VERB
fsr-3450	325	13	with	with	ADP
fsr-3450	325	14	higher	high	ADJ
fsr-3450	325	15	household	household	NOUN
fsr-3450	325	16	interest	interest	NOUN
fsr-3450	325	17	rates	rate	NOUN
fsr-3450	325	18	.	.	PUNCT
fsr-3450	326	1	we	we	PRON
fsr-3450	326	2	expect	expect	VERB
fsr-3450	326	3	to	to	PART
fsr-3450	326	4	see	see	VERB
fsr-3450	326	5	negative	negative	ADJ
fsr-3450	326	6	relationships	relationship	NOUN
fsr-3450	326	7	between	between	ADP
fsr-3450	326	8	the	the	DET
fsr-3450	326	9	weighted	weight	VERB
fsr-3450	326	10	average	average	ADJ
fsr-3450	326	11	interest	interest	NOUN
fsr-3450	326	12	rate	rate	NOUN
fsr-3450	326	13	and	and	CCONJ
fsr-3450	326	14	certain	certain	ADJ
fsr-3450	326	15	household	household	NOUN
fsr-3450	326	16	characteristics	characteristic	NOUN
fsr-3450	326	17	such	such	ADJ
fsr-3450	326	18	as	as	ADP
fsr-3450	326	19	real	real	ADJ
fsr-3450	326	20	and	and	CCONJ
fsr-3450	326	21	liquid	liquid	ADJ
fsr-3450	326	22	asset	asset	NOUN
fsr-3450	326	23	levels	level	NOUN
fsr-3450	326	24	,	,	PUNCT
fsr-3450	326	25	household	household	NOUN
fsr-3450	326	26	head	head	NOUN
fsr-3450	326	27	education	education	NOUN
fsr-3450	326	28	level	level	NOUN
fsr-3450	326	29	,	,	PUNCT
fsr-3450	326	30	homeownership	homeownership	NOUN
fsr-3450	326	31	,	,	PUNCT
fsr-3450	326	32	savings	saving	NOUN
fsr-3450	326	33	,	,	PUNCT
fsr-3450	326	34	as	as	ADV
fsr-3450	326	35	well	well	ADV
fsr-3450	326	36	as	as	ADP
fsr-3450	326	37	being	be	AUX
fsr-3450	326	38	married	marry	VERB
fsr-3450	326	39	and	and	CCONJ
fsr-3450	326	40	having	have	VERB
fsr-3450	326	41	a	a	DET
fsr-3450	326	42	longer	long	ADJ
fsr-3450	326	43	financial	financial	ADJ
fsr-3450	326	44	planning	planning	NOUN
fsr-3450	326	45	horizon	horizon	NOUN
fsr-3450	326	46	.	.	PUNCT
fsr-3450	327	1	in	in	ADP
fsr-3450	327	2	table	table	NOUN
fsr-3450	327	3	3	3	NUM
fsr-3450	327	4	,	,	PUNCT
fsr-3450	327	5	we	we	PRON
fsr-3450	327	6	use	use	VERB
fsr-3450	327	7	different	different	ADJ
fsr-3450	327	8	measures	measure	NOUN
fsr-3450	327	9	to	to	PART
fsr-3450	327	10	capture	capture	VERB
fsr-3450	327	11	the	the	DET
fsr-3450	327	12	households	household	NOUN
fsr-3450	327	13	’	'	PUNCT
fsr-3450	327	14	average	average	ADJ
fsr-3450	327	15	interest	interest	NOUN
fsr-3450	327	16	rates	rate	NOUN
fsr-3450	327	17	as	as	ADV
fsr-3450	327	18	well	well	ADV
fsr-3450	327	19	as	as	ADP
fsr-3450	327	20	the	the	DET
fsr-3450	327	21	percentile	percentile	ADJ
fsr-3450	327	22	ranking	ranking	NOUN
fsr-3450	327	23	of	of	ADP
fsr-3450	327	24	the	the	DET
fsr-3450	327	25	average	average	ADJ
fsr-3450	327	26	interest	interest	NOUN
fsr-3450	327	27	rates	rate	NOUN
fsr-3450	327	28	.	.	PUNCT
fsr-3450	328	1	the	the	DET
fsr-3450	328	2	weighted	weight	VERB
fsr-3450	328	3	average	average	ADJ
fsr-3450	328	4	interest	interest	NOUN
fsr-3450	328	5	rate	rate	NOUN
fsr-3450	328	6	takes	take	VERB
fsr-3450	328	7	into	into	ADP
fsr-3450	328	8	account	account	NOUN
fsr-3450	328	9	the	the	DET
fsr-3450	328	10	dollar	dollar	NOUN
fsr-3450	328	11	amount	amount	NOUN
fsr-3450	328	12	weighted	weight	VERB
fsr-3450	328	13	average	average	ADJ
fsr-3450	328	14	interest	interest	NOUN
fsr-3450	328	15	rates	rate	NOUN
fsr-3450	328	16	across	across	ADP
fsr-3450	328	17	all	all	DET
fsr-3450	328	18	loan	loan	NOUN
fsr-3450	328	19	types	type	NOUN
fsr-3450	328	20	.	.	PUNCT
fsr-3450	329	1	for	for	ADP
fsr-3450	329	2	example	example	NOUN
fsr-3450	329	3	,	,	PUNCT
fsr-3450	329	4	for	for	ADP
fsr-3450	329	5	each	each	DET
fsr-3450	329	6	household	household	NOUN
fsr-3450	329	7	,	,	PUNCT
fsr-3450	329	8	the	the	DET
fsr-3450	329	9	dollar	dollar	NOUN
fsr-3450	329	10	amount	amount	NOUN
fsr-3450	329	11	of	of	ADP
fsr-3450	329	12	different	different	ADJ
fsr-3450	329	13	loans	loan	NOUN
fsr-3450	329	14	is	be	AUX
fsr-3450	329	15	multiplied	multiply	VERB
fsr-3450	329	16	by	by	ADP
fsr-3450	329	17	their	their	PRON
fsr-3450	329	18	interest	interest	NOUN
fsr-3450	329	19	rates	rate	NOUN
fsr-3450	329	20	to	to	PART
fsr-3450	329	21	calculate	calculate	VERB
fsr-3450	329	22	the	the	DET
fsr-3450	329	23	overall	overall	ADJ
fsr-3450	329	24	liability	liability	NOUN
fsr-3450	329	25	cost	cost	NOUN
fsr-3450	329	26	per	per	ADP
fsr-3450	329	27	year	year	NOUN
fsr-3450	329	28	.	.	PUNCT
fsr-3450	330	1	then	then	ADV
fsr-3450	330	2	this	this	DET
fsr-3450	330	3	liability	liability	NOUN
fsr-3450	330	4	cost	cost	NOUN
fsr-3450	330	5	is	be	AUX
fsr-3450	330	6	divided	divide	VERB
fsr-3450	330	7	by	by	ADP
fsr-3450	330	8	the	the	DET
fsr-3450	330	9	total	total	ADJ
fsr-3450	330	10	loan	loan	NOUN
fsr-3450	330	11	amount	amount	NOUN
fsr-3450	330	12	to	to	PART
fsr-3450	330	13	acquire	acquire	VERB
fsr-3450	330	14	the	the	DET
fsr-3450	330	15	weighted	weighted	ADJ
fsr-3450	330	16	average	average	ADJ
fsr-3450	330	17	interest	interest	NOUN
fsr-3450	330	18	rate	rate	NOUN
fsr-3450	330	19	for	for	ADP
fsr-3450	330	20	this	this	DET
fsr-3450	330	21	household	household	NOUN
fsr-3450	330	22	.	.	PUNCT
fsr-3450	331	1	the	the	DET
fsr-3450	331	2	simple	simple	ADJ
fsr-3450	331	3	average	average	ADJ
fsr-3450	331	4	interest	interest	NOUN
fsr-3450	331	5	rate	rate	NOUN
fsr-3450	331	6	measure	measure	NOUN
fsr-3450	331	7	takes	take	VERB
fsr-3450	331	8	the	the	DET
fsr-3450	331	9	arithmetic	arithmetic	ADJ
fsr-3450	331	10	average	average	NOUN
fsr-3450	331	11	of	of	ADP
fsr-3450	331	12	the	the	DET
fsr-3450	331	13	interest	interest	NOUN
fsr-3450	331	14	rates	rate	NOUN
fsr-3450	331	15	across	across	ADP
fsr-3450	331	16	all	all	DET
fsr-3450	331	17	loan	loan	NOUN
fsr-3450	331	18	types	type	NOUN
fsr-3450	331	19	.	.	PUNCT
fsr-3450	332	1	this	this	DET
fsr-3450	332	2	measurement	measurement	NOUN
fsr-3450	332	3	,	,	PUNCT
fsr-3450	332	4	together	together	ADV
fsr-3450	332	5	with	with	ADP
fsr-3450	332	6	the	the	DET
fsr-3450	332	7	weighted	weight	VERB
fsr-3450	332	8	average	average	ADJ
fsr-3450	332	9	interest	interest	NOUN
fsr-3450	332	10	rate	rate	NOUN
fsr-3450	332	11	percentile	percentile	ADJ
fsr-3450	332	12	and	and	CCONJ
fsr-3450	332	13	simple	simple	ADJ
fsr-3450	332	14	average	average	ADJ
fsr-3450	332	15	interest	interest	NOUN
fsr-3450	332	16	rate	rate	NOUN
fsr-3450	332	17	percentile	percentile	ADJ
fsr-3450	332	18	measures	measure	NOUN
fsr-3450	332	19	,	,	PUNCT
fsr-3450	332	20	serves	serve	VERB
fsr-3450	332	21	as	as	ADP
fsr-3450	332	22	a	a	DET
fsr-3450	332	23	robustness	robustness	NOUN
fsr-3450	332	24	check	check	NOUN
fsr-3450	332	25	for	for	ADP
fsr-3450	332	26	the	the	DET
fsr-3450	332	27	weighted	weight	VERB
fsr-3450	332	28	average	average	ADJ
fsr-3450	332	29	interest	interest	NOUN
fsr-3450	332	30	measurement	measurement	NOUN
fsr-3450	332	31	.	.	PUNCT
fsr-3450	333	1	based	base	VERB
fsr-3450	333	2	on	on	ADP
fsr-3450	333	3	the	the	DET
fsr-3450	333	4	ols	ol	NOUN
fsr-3450	333	5	regression	regression	NOUN
fsr-3450	333	6	results	result	NOUN
fsr-3450	333	7	from	from	ADP
fsr-3450	333	8	table	table	NOUN
fsr-3450	333	9	3	3	NUM
fsr-3450	333	10	,	,	PUNCT
fsr-3450	333	11	households	household	NOUN
fsr-3450	333	12	with	with	ADP
fsr-3450	333	13	less	less	ADJ
fsr-3450	333	14	education	education	NOUN
fsr-3450	333	15	,	,	PUNCT
fsr-3450	333	16	lower	low	ADJ
fsr-3450	333	17	levels	level	NOUN
fsr-3450	333	18	of	of	ADP
fsr-3450	333	19	assets	asset	NOUN
fsr-3450	333	20	,	,	PUNCT
fsr-3450	333	21	fewer	few	ADJ
fsr-3450	333	22	savings	saving	NOUN
fsr-3450	333	23	,	,	PUNCT
fsr-3450	333	24	and	and	CCONJ
fsr-3450	333	25	older	old	ADJ
fsr-3450	333	26	age	age	NOUN
fsr-3450	333	27	are	be	AUX
fsr-3450	333	28	table	table	NOUN
fsr-3450	333	29	2	2	NUM
fsr-3450	333	30	ordinary	ordinary	ADJ
fsr-3450	333	31	least	least	ADJ
fsr-3450	333	32	squares	square	NOUN
fsr-3450	333	33	(	(	PUNCT
fsr-3450	333	34	ols	ol	NOUN
fsr-3450	333	35	)	)	PUNCT
fsr-3450	333	36	on	on	ADP
fsr-3450	333	37	different	different	ADJ
fsr-3450	333	38	debt	debt	NOUN
fsr-3450	333	39	categories	category	NOUN
fsr-3450	333	40	variables	variable	NOUN
fsr-3450	333	41	“	"	PUNCT
fsr-3450	333	42	bad	bad	ADJ
fsr-3450	333	43	”	"	PUNCT
fsr-3450	333	44	debts	debt	NOUN
fsr-3450	333	45	(	(	PUNCT
fsr-3450	333	46	credit	credit	NOUN
fsr-3450	333	47	and	and	CCONJ
fsr-3450	333	48	store	store	NOUN
fsr-3450	333	49	cards	card	NOUN
fsr-3450	333	50	balance	balance	NOUN
fsr-3450	333	51	)	)	PUNCT
fsr-3450	333	52	“	"	PUNCT
fsr-3450	333	53	good	good	ADJ
fsr-3450	333	54	”	"	PUNCT
fsr-3450	333	55	debts	debt	NOUN
fsr-3450	333	56	(	(	PUNCT
fsr-3450	333	57	mortgages	mortgage	NOUN
fsr-3450	333	58	)	)	PUNCT
fsr-3450	333	59	interest	interest	NOUN
fsr-3450	333	60	rate	rate	NOUN
fsr-3450	333	61	�	�	PROPN
fsr-3450	333	62	28.40	28.40	NUM
fsr-3450	333	63	(	(	PUNCT
fsr-3450	333	64	18.556	18.556	NUM
fsr-3450	333	65	)	)	PUNCT
fsr-3450	333	66	�	�	NOUN
fsr-3450	333	67	1,673.5	1,673.5	NUM
fsr-3450	333	68	*	*	SYM
fsr-3450	333	69	(	(	PUNCT
fsr-3450	333	70	677.040	677.040	NUM
fsr-3450	333	71	)	)	PUNCT
fsr-3450	333	72	married	marry	VERB
fsr-3450	333	73	265.1	265.1	NUM
fsr-3450	333	74	(	(	PUNCT
fsr-3450	333	75	364.032	364.032	NUM
fsr-3450	333	76	)	)	PUNCT
fsr-3450	333	77	�	�	PROPN
fsr-3450	333	78	4,993.6	4,993.6	NUM
fsr-3450	333	79	(	(	PUNCT
fsr-3450	333	80	4,070.197	4,070.197	NUM
fsr-3450	333	81	)	)	PUNCT
fsr-3450	333	82	number	number	NOUN
fsr-3450	333	83	of	of	ADP
fsr-3450	333	84	kids	kid	NOUN
fsr-3450	333	85	275.3	275.3	NUM
fsr-3450	333	86	*	*	SYM
fsr-3450	333	87	(	(	PUNCT
fsr-3450	333	88	122.659	122.659	NUM
fsr-3450	333	89	)	)	PUNCT
fsr-3450	333	90	5,148.3	5,148.3	NUM
fsr-3450	333	91	*	*	PUNCT
fsr-3450	333	92	*	*	PUNCT
fsr-3450	333	93	*	*	PUNCT
fsr-3450	333	94	(	(	PUNCT
fsr-3450	333	95	1,183.437	1,183.437	NUM
fsr-3450	333	96	)	)	PUNCT
fsr-3450	333	97	education	education	NOUN
fsr-3450	333	98	level	level	NOUN
fsr-3450	333	99	76.84	76.84	NUM
fsr-3450	333	100	(	(	PUNCT
fsr-3450	333	101	54.142	54.142	NUM
fsr-3450	333	102	)	)	PUNCT
fsr-3450	333	103	1,626.4	1,626.4	NUM
fsr-3450	333	104	*	*	SYM
fsr-3450	333	105	(	(	PUNCT
fsr-3450	333	106	771.444	771.444	NUM
fsr-3450	333	107	)	)	PUNCT
fsr-3450	333	108	real	real	ADJ
fsr-3450	333	109	assets	asset	NOUN
fsr-3450	333	110	0.00197	0.00197	NUM
fsr-3450	333	111	(	(	PUNCT
fsr-3450	333	112	0.001	0.001	NUM
fsr-3450	333	113	)	)	PUNCT
fsr-3450	333	114	0.393	0.393	NUM
fsr-3450	333	115	*	*	PUNCT
fsr-3450	333	116	*	*	PUNCT
fsr-3450	333	117	*	*	PUNCT
fsr-3450	333	118	(	(	PUNCT
fsr-3450	333	119	0.020	0.020	NUM
fsr-3450	333	120	)	)	PUNCT
fsr-3450	333	121	liquid	liquid	ADJ
fsr-3450	333	122	assets	asset	NOUN
fsr-3450	333	123	�	�	NOUN
fsr-3450	333	124	0.0328	0.0328	NOUN
fsr-3450	333	125	*	*	PUNCT
fsr-3450	333	126	*	*	PUNCT
fsr-3450	333	127	*	*	PUNCT
fsr-3450	333	128	(	(	PUNCT
fsr-3450	333	129	0.003	0.003	NUM
fsr-3450	333	130	)	)	PUNCT
fsr-3450	333	131	�	�	NOUN
fsr-3450	333	132	0.0817	0.0817	NUM
fsr-3450	333	133	(	(	PUNCT
fsr-3450	333	134	0.067	0.067	NUM
fsr-3450	333	135	)	)	PUNCT
fsr-3450	333	136	have	have	VERB
fsr-3450	333	137	houses	house	NOUN
fsr-3450	333	138	519.9	519.9	NUM
fsr-3450	333	139	(	(	PUNCT
fsr-3450	333	140	388.969	388.969	NUM
fsr-3450	333	141	)	)	PUNCT
fsr-3450	333	142	omitted	omit	VERB
fsr-3450	333	143	have	have	AUX
fsr-3450	333	144	savings	saving	NOUN
fsr-3450	333	145	�	�	PROPN
fsr-3450	333	146	419.8	419.8	NUM
fsr-3450	333	147	(	(	PUNCT
fsr-3450	333	148	262.935	262.935	NUM
fsr-3450	333	149	)	)	PUNCT
fsr-3450	333	150	�	�	PROPN
fsr-3450	333	151	823.7	823.7	NUM
fsr-3450	333	152	(	(	PUNCT
fsr-3450	333	153	3,076.358	3,076.358	NUM
fsr-3450	333	154	)	)	PUNCT
fsr-3450	333	155	race	race	NOUN
fsr-3450	333	156	black	black	ADJ
fsr-3450	333	157	�	�	PROPN
fsr-3450	333	158	528.6	528.6	NUM
fsr-3450	333	159	(	(	PUNCT
fsr-3450	333	160	345.616	345.616	NUM
fsr-3450	333	161	)	)	PUNCT
fsr-3450	333	162	7695.6	7695.6	NUM
fsr-3450	333	163	(	(	PUNCT
fsr-3450	333	164	4,149.247	4,149.247	NUM
fsr-3450	333	165	)	)	PUNCT
fsr-3450	333	166	race	race	NOUN
fsr-3450	333	167	hispanic	hispanic	NOUN
fsr-3450	333	168	�	�	PROPN
fsr-3450	333	169	685.3	685.3	NUM
fsr-3450	333	170	*	*	PUNCT
fsr-3450	333	171	(	(	PUNCT
fsr-3450	333	172	314.295	314.295	NUM
fsr-3450	333	173	)	)	PUNCT
fsr-3450	333	174	6,027.6	6,027.6	NUM
fsr-3450	333	175	(	(	PUNCT
fsr-3450	333	176	9,231.032	9,231.032	NUM
fsr-3450	333	177	)	)	PUNCT
fsr-3450	333	178	race	race	NOUN
fsr-3450	333	179	other	other	ADJ
fsr-3450	333	180	�	�	PROPN
fsr-3450	333	181	247.4	247.4	NUM
fsr-3450	333	182	(	(	PUNCT
fsr-3450	333	183	311.224	311.224	NUM
fsr-3450	333	184	)	)	PUNCT
fsr-3450	333	185	4,493.5	4,493.5	NUM
fsr-3450	333	186	(	(	PUNCT
fsr-3450	333	187	5,760.525	5,760.525	NUM
fsr-3450	333	188	)	)	PUNCT
fsr-3450	333	189	income	income	NOUN
fsr-3450	333	190	0.0201	0.0201	NUM
fsr-3450	333	191	*	*	NOUN
fsr-3450	333	192	*	*	PUNCT
fsr-3450	333	193	(	(	PUNCT
fsr-3450	333	194	0.007	0.007	NUM
fsr-3450	333	195	)	)	PUNCT
fsr-3450	333	196	0.144	0.144	NUM
fsr-3450	333	197	(	(	PUNCT
fsr-3450	333	198	0.090	0.090	NUM
fsr-3450	333	199	)	)	PUNCT
fsr-3450	333	200	age	age	NOUN
fsr-3450	333	201	13.30	13.30	NUM
fsr-3450	333	202	(	(	PUNCT
fsr-3450	333	203	6.916	6.916	NUM
fsr-3450	333	204	)	)	PUNCT
fsr-3450	333	205	�	�	NOUN
fsr-3450	333	206	1,009.6	1,009.6	NUM
fsr-3450	333	207	*	*	NOUN
fsr-3450	333	208	*	*	PUNCT
fsr-3450	333	209	*	*	PUNCT
fsr-3450	333	210	(	(	PUNCT
fsr-3450	333	211	106.106	106.106	NUM
fsr-3450	333	212	)	)	PUNCT
fsr-3450	333	213	financial	financial	ADJ
fsr-3450	333	214	planning	planning	NOUN
fsr-3450	333	215	horizon	horizon	NOUN
fsr-3450	333	216	(	(	PUNCT
fsr-3450	333	217	omitted	omit	VERB
fsr-3450	333	218	baseline	baseline	NOUN
fsr-3450	333	219	category	category	NOUN
fsr-3450	333	220	“	"	PUNCT
fsr-3450	333	221	next	next	ADJ
fsr-3450	333	222	few	few	ADJ
fsr-3450	333	223	months	month	NOUN
fsr-3450	333	224	”	"	PUNCT
fsr-3450	333	225	)	)	PUNCT
fsr-3450	333	226	next	next	ADJ
fsr-3450	333	227	year	year	NOUN
fsr-3450	333	228	�	�	PROPN
fsr-3450	333	229	685.5	685.5	NUM
fsr-3450	333	230	(	(	PUNCT
fsr-3450	333	231	386.068	386.068	NUM
fsr-3450	333	232	)	)	PUNCT
fsr-3450	333	233	1,138.5	1,138.5	NUM
fsr-3450	333	234	(	(	PUNCT
fsr-3450	333	235	4,312.770	4,312.770	NOUN
fsr-3450	333	236	)	)	PUNCT
fsr-3450	333	237	next	next	ADJ
fsr-3450	333	238	few	few	ADJ
fsr-3450	333	239	years	year	NOUN
fsr-3450	333	240	�	�	PROPN
fsr-3450	333	241	861.4	861.4	NUM
fsr-3450	333	242	*	*	SYM
fsr-3450	333	243	*	*	PUNCT
fsr-3450	333	244	(	(	PUNCT
fsr-3450	333	245	322.013	322.013	NUM
fsr-3450	333	246	)	)	PUNCT
fsr-3450	333	247	�	�	PROPN
fsr-3450	333	248	6,064.8	6,064.8	NUM
fsr-3450	333	249	(	(	PUNCT
fsr-3450	333	250	4,592.322	4,592.322	NUM
fsr-3450	333	251	)	)	PUNCT
fsr-3450	333	252	next	next	ADP
fsr-3450	333	253	5	5	NUM
fsr-3450	333	254	to	to	PART
fsr-3450	333	255	10	10	NUM
fsr-3450	333	256	years	year	NOUN
fsr-3450	333	257	�	�	PROPN
fsr-3450	333	258	1,109.0	1,109.0	PROPN
fsr-3450	333	259	*	*	X
fsr-3450	333	260	*	*	PUNCT
fsr-3450	333	261	*	*	PUNCT
fsr-3450	333	262	(	(	PUNCT
fsr-3450	333	263	329.694	329.694	NUM
fsr-3450	333	264	)	)	PUNCT
fsr-3450	333	265	�	�	PROPN
fsr-3450	333	266	9,363.6	9,363.6	NUM
fsr-3450	333	267	*	*	PROPN
fsr-3450	333	268	*	*	PROPN
fsr-3450	333	269	(	(	PUNCT
fsr-3450	333	270	3,520.808	3,520.808	NUM
fsr-3450	333	271	)	)	PUNCT
fsr-3450	333	272	longer	long	ADJ
fsr-3450	333	273	than	than	ADP
fsr-3450	333	274	10	10	NUM
fsr-3450	333	275	years	year	NOUN
fsr-3450	333	276	�	�	PROPN
fsr-3450	333	277	1,368.6	1,368.6	NUM
fsr-3450	333	278	*	*	NOUN
fsr-3450	333	279	*	*	PUNCT
fsr-3450	333	280	(	(	PUNCT
fsr-3450	333	281	483.781	483.781	NUM
fsr-3450	333	282	)	)	PUNCT
fsr-3450	333	283	�	�	PROPN
fsr-3450	333	284	12,236.5	12,236.5	NOUN
fsr-3450	333	285	*	*	PUNCT
fsr-3450	333	286	*	*	PUNCT
fsr-3450	333	287	(	(	PUNCT
fsr-3450	333	288	4,396.354	4,396.354	NUM
fsr-3450	333	289	)	)	PUNCT
fsr-3450	333	290	n	n	CCONJ
fsr-3450	333	291	2,808	2,808	NUM
fsr-3450	333	292	1,661	1,661	NUM
fsr-3450	333	293	notes	note	NOUN
fsr-3450	333	294	:	:	PUNCT
fsr-3450	333	295	not	not	PART
fsr-3450	333	296	all	all	PRON
fsr-3450	333	297	of	of	ADP
fsr-3450	333	298	the	the	DET
fsr-3450	333	299	respondents	respondent	NOUN
fsr-3450	333	300	in	in	ADP
fsr-3450	333	301	our	our	PRON
fsr-3450	333	302	analysis	analysis	NOUN
fsr-3450	333	303	sample	sample	NOUN
fsr-3450	333	304	reported	report	VERB
fsr-3450	333	305	the	the	DET
fsr-3450	333	306	interest	interest	NOUN
fsr-3450	333	307	of	of	ADP
fsr-3450	333	308	different	different	ADJ
fsr-3450	333	309	kinds	kind	NOUN
fsr-3450	333	310	of	of	ADP
fsr-3450	333	311	loans	loan	NOUN
fsr-3450	333	312	.	.	PUNCT
fsr-3450	334	1	therefore	therefore	ADV
fsr-3450	334	2	,	,	PUNCT
fsr-3450	334	3	the	the	DET
fsr-3450	334	4	number	number	NOUN
fsr-3450	334	5	of	of	ADP
fsr-3450	334	6	observations	observation	NOUN
fsr-3450	334	7	was	be	AUX
fsr-3450	334	8	reduced	reduce	VERB
fsr-3450	334	9	in	in	ADP
fsr-3450	334	10	the	the	DET
fsr-3450	334	11	regressions	regression	NOUN
fsr-3450	334	12	above	above	ADV
fsr-3450	334	13	.	.	PUNCT
fsr-3450	335	1	the	the	DET
fsr-3450	335	2	2016	2016	NUM
fsr-3450	335	3	survey	survey	NOUN
fsr-3450	335	4	of	of	ADP
fsr-3450	335	5	consumer	consumer	NOUN
fsr-3450	335	6	finances	finance	NOUN
fsr-3450	335	7	(	(	PUNCT
fsr-3450	335	8	scf	scf	PROPN
fsr-3450	335	9	)	)	PUNCT
fsr-3450	335	10	sample	sample	NOUN
fsr-3450	335	11	weights	weight	NOUN
fsr-3450	335	12	were	be	AUX
fsr-3450	335	13	applied	apply	VERB
fsr-3450	335	14	to	to	ADP
fsr-3450	335	15	the	the	DET
fsr-3450	335	16	regressions	regression	NOUN
fsr-3450	335	17	.	.	PUNCT
fsr-3450	336	1	standard	standard	ADJ
fsr-3450	336	2	errors	error	NOUN
fsr-3450	336	3	in	in	ADP
fsr-3450	336	4	parentheses	parenthesis	NOUN
fsr-3450	336	5	.	.	PUNCT
fsr-3450	337	1	*	*	PUNCT
fsr-3450	337	2	p	p	X
fsr-3450	337	3	<	<	X
fsr-3450	337	4	.05	.05	NUM
fsr-3450	337	5	;	;	PUNCT
fsr-3450	337	6	*	*	PUNCT
fsr-3450	338	1	*	*	PUNCT
fsr-3450	338	2	p	p	X
fsr-3450	338	3	<	<	X
fsr-3450	338	4	.01	.01	NUM
fsr-3450	338	5	;	;	PUNCT
fsr-3450	338	6	*	*	PUNCT
fsr-3450	338	7	*	*	PUNCT
fsr-3450	338	8	*	*	PUNCT
fsr-3450	338	9	p	p	X
fsr-3450	338	10	<	<	X
fsr-3450	338	11	.001	.001	NUM
fsr-3450	338	12	.	.	PUNCT
fsr-3450	339	1	134	134	NUM
fsr-3450	339	2	z.	z.	PROPN
fsr-3450	339	3	liu	liu	PROPN
fsr-3450	339	4	and	and	CCONJ
fsr-3450	339	5	d.	d.	PROPN
fsr-3450	339	6	m.	m.	PROPN
fsr-3450	339	7	blanchett	blanchett	PROPN
fsr-3450	339	8	/	/	SYM
fsr-3450	339	9	financial	financial	ADJ
fsr-3450	339	10	services	service	NOUN
fsr-3450	339	11	review	review	VERB
fsr-3450	339	12	29	29	NUM
fsr-3450	339	13	(	(	PUNCT
fsr-3450	339	14	2021	2021	NUM
fsr-3450	339	15	)	)	PUNCT
fsr-3450	340	1	121–145	121–145	NUM
fsr-3450	340	2	t	t	PROPN
fsr-3450	340	3	ab	ab	X
fsr-3450	340	4	le	le	PROPN
fsr-3450	340	5	3	3	NUM
fsr-3450	340	6	o	o	PROPN
fsr-3450	340	7	rd	rd	PROPN
fsr-3450	340	8	in	in	ADP
fsr-3450	340	9	ar	ar	PROPN
fsr-3450	340	10	y	y	PROPN
fsr-3450	340	11	le	le	PROPN
fsr-3450	340	12	as	as	ADP
fsr-3450	340	13	t	t	PROPN
fsr-3450	340	14	sq	sq	PROPN
fsr-3450	340	15	u	u	PROPN
fsr-3450	340	16	ar	ar	NOUN
fsr-3450	340	17	es	es	X
fsr-3450	340	18	(	(	PUNCT
fsr-3450	340	19	o	o	NOUN
fsr-3450	340	20	l	l	NOUN
fsr-3450	340	21	s	s	PART
fsr-3450	340	22	)	)	PUNCT
fsr-3450	340	23	o	o	NOUN
fsr-3450	340	24	n	n	CCONJ
fsr-3450	340	25	av	av	PROPN
fsr-3450	340	26	er	er	INTJ
fsr-3450	340	27	ag	ag	PROPN
fsr-3450	340	28	e	e	PROPN
fsr-3450	340	29	in	in	ADP
fsr-3450	340	30	te	te	PROPN
fsr-3450	340	31	re	re	PROPN
fsr-3450	340	32	st	st	PROPN
fsr-3450	340	33	ra	ra	PROPN
fsr-3450	340	34	te	te	PROPN
fsr-3450	340	35	m	m	PROPN
fsr-3450	340	36	ea	ea	PROPN
fsr-3450	340	37	su	su	PROPN
fsr-3450	340	38	re	re	PROPN
fsr-3450	340	39	s	s	PROPN
fsr-3450	340	40	v	v	PROPN
fsr-3450	340	41	ar	ar	PROPN
fsr-3450	340	42	ia	ia	PROPN
fsr-3450	340	43	b	b	PROPN
fsr-3450	340	44	le	le	PROPN
fsr-3450	340	45	s	s	PROPN
fsr-3450	340	46	w	w	PROPN
fsr-3450	340	47	ei	ei	X
fsr-3450	340	48	g	g	PROPN
fsr-3450	340	49	h	h	NOUN
fsr-3450	340	50	te	te	PROPN
fsr-3450	341	1	d	d	X
fsr-3450	341	2	a	a	DET
fsr-3450	341	3	av	av	PROPN
fsr-3450	341	4	er	er	INTJ
fsr-3450	341	5	ag	ag	PROPN
fsr-3450	341	6	e	e	PROPN
fsr-3450	341	7	in	in	ADP
fsr-3450	341	8	te	te	PROPN
fsr-3450	341	9	re	re	PROPN
fsr-3450	341	10	st	st	PROPN
fsr-3450	341	11	ra	ra	PROPN
fsr-3450	341	12	te	te	PROPN
fsr-3450	341	13	w	w	PROPN
fsr-3450	341	14	ei	ei	PROPN
fsr-3450	342	1	g	g	PROPN
fsr-3450	343	1	h	h	NOUN
fsr-3450	344	1	te	te	PROPN
fsr-3450	345	1	d	d	X
fsr-3450	345	2	av	av	PROPN
fsr-3450	345	3	er	er	INTJ
fsr-3450	345	4	ag	ag	PROPN
fsr-3450	345	5	e	e	PROPN
fsr-3450	345	6	in	in	ADP
fsr-3450	345	7	te	te	PROPN
fsr-3450	345	8	re	re	PROPN
fsr-3450	345	9	st	st	PROPN
fsr-3450	345	10	ra	ra	PROPN
fsr-3450	345	11	te	te	PROPN
fsr-3450	345	12	p	p	PROPN
fsr-3450	345	13	er	er	INTJ
fsr-3450	345	14	ce	ce	PROPN
fsr-3450	345	15	n	n	CCONJ
fsr-3450	345	16	ti	ti	X
fsr-3450	345	17	le	le	X
fsr-3450	345	18	s	s	VERB
fsr-3450	345	19	i	i	NOUN
fsr-3450	345	20	m	m	VERB
fsr-3450	345	21	p	p	X
fsr-3450	345	22	le	le	PROPN
fsr-3450	345	23	b	b	SYM
fsr-3450	345	24	av	av	PROPN
fsr-3450	345	25	er	er	INTJ
fsr-3450	345	26	ag	ag	PROPN
fsr-3450	345	27	e	e	PROPN
fsr-3450	345	28	in	in	ADP
fsr-3450	345	29	te	te	PROPN
fsr-3450	345	30	re	re	PROPN
fsr-3450	346	1	st	st	PROPN
fsr-3450	346	2	ra	ra	PROPN
fsr-3450	346	3	te	te	PROPN
fsr-3450	346	4	s	s	VERB
fsr-3450	346	5	i	i	VERB
fsr-3450	346	6	m	m	VERB
fsr-3450	346	7	p	p	X
fsr-3450	346	8	le	le	X
fsr-3450	346	9	av	av	PROPN
fsr-3450	346	10	er	er	INTJ
fsr-3450	346	11	ag	ag	PROPN
fsr-3450	346	12	e	e	PROPN
fsr-3450	346	13	in	in	ADP
fsr-3450	346	14	te	te	PROPN
fsr-3450	346	15	re	re	PROPN
fsr-3450	346	16	st	st	PROPN
fsr-3450	346	17	ra	ra	PROPN
fsr-3450	347	1	te	te	PROPN
fsr-3450	347	2	p	p	PROPN
fsr-3450	347	3	er	er	INTJ
fsr-3450	347	4	ce	ce	PROPN
fsr-3450	347	5	n	n	CCONJ
fsr-3450	347	6	ti	ti	X
fsr-3450	347	7	le	le	X
fsr-3450	347	8	m	m	PROPN
fsr-3450	347	9	ar	ar	PROPN
fsr-3450	347	10	ri	ri	PROPN
fsr-3450	347	11	ed	ed	PROPN
fsr-3450	347	12	�	�	PROPN
fsr-3450	347	13	1	1	NUM
fsr-3450	347	14	.1	.1	NUM
fsr-3450	347	15	8	8	NUM
fsr-3450	347	16	7	7	NUM
fsr-3450	347	17	*	*	PUNCT
fsr-3450	347	18	*	*	PUNCT
fsr-3450	347	19	(	(	PUNCT
fsr-3450	347	20	0	0	NUM
fsr-3450	347	21	.3	.3	NUM
fsr-3450	347	22	7	7	NUM
fsr-3450	347	23	8	8	NUM
fsr-3450	347	24	)	)	PUNCT
fsr-3450	347	25	0	0	NUM
fsr-3450	348	1	.0	.0	NUM
fsr-3450	348	2	0	0	NUM
fsr-3450	348	3	5	5	NUM
fsr-3450	348	4	2	2	NUM
fsr-3450	348	5	4	4	NUM
fsr-3450	348	6	(	(	PUNCT
fsr-3450	348	7	0	0	NUM
fsr-3450	348	8	.0	.0	NUM
fsr-3450	348	9	0	0	NUM
fsr-3450	348	10	9	9	NUM
fsr-3450	348	11	)	)	PUNCT
fsr-3450	348	12	�	�	PROPN
fsr-3450	348	13	0	0	NUM
fsr-3450	348	14	.7	.7	NUM
fsr-3450	348	15	8	8	NUM
fsr-3450	348	16	9	9	NUM
fsr-3450	348	17	*	*	SYM
fsr-3450	348	18	(	(	PUNCT
fsr-3450	348	19	0	0	NUM
fsr-3450	348	20	.3	.3	NUM
fsr-3450	348	21	5	5	NUM
fsr-3450	348	22	0	0	NUM
fsr-3450	348	23	)	)	PUNCT
fsr-3450	348	24	0	0	NUM
fsr-3450	349	1	.0	.0	NUM
fsr-3450	349	2	0	0	NUM
fsr-3450	349	3	9	9	NUM
fsr-3450	349	4	0	0	NUM
fsr-3450	349	5	3	3	NUM
fsr-3450	349	6	(	(	PUNCT
fsr-3450	349	7	0	0	NUM
fsr-3450	349	8	.0	.0	NUM
fsr-3450	349	9	0	0	NUM
fsr-3450	349	10	9	9	NUM
fsr-3450	349	11	)	)	PUNCT
fsr-3450	349	12	n	n	CCONJ
fsr-3450	349	13	u	u	NOUN
fsr-3450	349	14	m	m	NOUN
fsr-3450	349	15	b	b	NOUN
fsr-3450	349	16	er	er	INTJ
fsr-3450	349	17	o	o	X
fsr-3450	349	18	f	f	X
fsr-3450	350	1	k	k	PROPN
fsr-3450	350	2	i	i	PROPN
fsr-3450	350	3	d	d	PROPN
fsr-3450	350	4	s	s	PROPN
fsr-3450	350	5	0	0	NUM
fsr-3450	350	6	.0	.0	NUM
fsr-3450	350	7	3	3	NUM
fsr-3450	350	8	3	3	NUM
fsr-3450	350	9	7	7	NUM
fsr-3450	350	10	(	(	PUNCT
fsr-3450	350	11	0	0	NUM
fsr-3450	350	12	.1	.1	NUM
fsr-3450	350	13	0	0	NUM
fsr-3450	350	14	2	2	NUM
fsr-3450	350	15	)	)	PUNCT
fsr-3450	350	16	0	0	NUM
fsr-3450	351	1	.0	.0	NUM
fsr-3450	351	2	1	1	NUM
fsr-3450	351	3	0	0	NUM
fsr-3450	351	4	8	8	NUM
fsr-3450	351	5	*	*	PUNCT
fsr-3450	352	1	*	*	PUNCT
fsr-3450	352	2	*	*	PUNCT
fsr-3450	352	3	(	(	PUNCT
fsr-3450	352	4	0	0	NUM
fsr-3450	352	5	.0	.0	NUM
fsr-3450	352	6	0	0	NUM
fsr-3450	352	7	3	3	NUM
fsr-3450	352	8	)	)	PUNCT
fsr-3450	352	9	0	0	NUM
fsr-3450	353	1	.1	.1	NUM
fsr-3450	353	2	6	6	NUM
fsr-3450	353	3	4	4	NUM
fsr-3450	353	4	(	(	PUNCT
fsr-3450	353	5	0	0	NUM
fsr-3450	353	6	.1	.1	NUM
fsr-3450	353	7	0	0	NUM
fsr-3450	353	8	2	2	NUM
fsr-3450	353	9	)	)	PUNCT
fsr-3450	353	10	0	0	NUM
fsr-3450	354	1	.0	.0	NUM
fsr-3450	354	2	1	1	NUM
fsr-3450	354	3	1	1	NUM
fsr-3450	354	4	0	0	NUM
fsr-3450	355	1	*	*	PUNCT
fsr-3450	356	1	*	*	PUNCT
fsr-3450	356	2	*	*	PUNCT
fsr-3450	356	3	(	(	PUNCT
fsr-3450	356	4	0	0	NUM
fsr-3450	356	5	.0	.0	NUM
fsr-3450	356	6	0	0	NUM
fsr-3450	356	7	3	3	NUM
fsr-3450	356	8	)	)	PUNCT
fsr-3450	357	1	e	e	X
fsr-3450	358	1	d	d	X
fsr-3450	358	2	u	u	PRON
fsr-3450	358	3	ca	can	AUX
fsr-3450	358	4	ti	ti	NOUN
fsr-3450	358	5	o	o	NOUN
fsr-3450	358	6	n	n	ADV
fsr-3450	358	7	le	le	X
fsr-3450	358	8	v	v	PROPN
fsr-3450	358	9	el	el	PROPN
fsr-3450	358	10	�	�	PROPN
fsr-3450	358	11	0	0	NUM
fsr-3450	358	12	.3	.3	NUM
fsr-3450	358	13	1	1	NUM
fsr-3450	358	14	9	9	NUM
fsr-3450	358	15	*	*	PUNCT
fsr-3450	358	16	*	*	PUNCT
fsr-3450	358	17	*	*	PUNCT
fsr-3450	358	18	(	(	PUNCT
fsr-3450	358	19	0	0	NUM
fsr-3450	358	20	.0	.0	NUM
fsr-3450	358	21	5	5	NUM
fsr-3450	358	22	4	4	NUM
fsr-3450	358	23	)	)	PUNCT
fsr-3450	358	24	�	�	PROPN
fsr-3450	358	25	0	0	NUM
fsr-3450	358	26	.0	.0	NUM
fsr-3450	358	27	0	0	NUM
fsr-3450	358	28	6	6	NUM
fsr-3450	358	29	1	1	NUM
fsr-3450	358	30	3	3	NUM
fsr-3450	358	31	*	*	PUNCT
fsr-3450	358	32	*	*	PUNCT
fsr-3450	358	33	*	*	PUNCT
fsr-3450	358	34	(	(	PUNCT
fsr-3450	358	35	0	0	NUM
fsr-3450	358	36	.0	.0	NUM
fsr-3450	358	37	0	0	NUM
fsr-3450	358	38	2	2	NUM
fsr-3450	358	39	)	)	PUNCT
fsr-3450	358	40	�	�	PROPN
fsr-3450	358	41	0	0	NUM
fsr-3450	358	42	.2	.2	NUM
fsr-3450	358	43	7	7	NUM
fsr-3450	358	44	7	7	NUM
fsr-3450	358	45	*	*	PUNCT
fsr-3450	358	46	*	*	PUNCT
fsr-3450	358	47	*	*	PUNCT
fsr-3450	358	48	(	(	PUNCT
fsr-3450	358	49	0	0	NUM
fsr-3450	358	50	.0	.0	NUM
fsr-3450	358	51	5	5	NUM
fsr-3450	358	52	1	1	NUM
fsr-3450	358	53	)	)	PUNCT
fsr-3450	358	54	�	�	PROPN
fsr-3450	358	55	0	0	NUM
fsr-3450	358	56	.0	.0	NUM
fsr-3450	358	57	0	0	NUM
fsr-3450	358	58	6	6	NUM
fsr-3450	358	59	8	8	NUM
fsr-3450	358	60	0	0	NUM
fsr-3450	358	61	*	*	PUNCT
fsr-3450	359	1	*	*	PUNCT
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fsr-3450	359	3	(	(	PUNCT
fsr-3450	359	4	0	0	NUM
fsr-3450	359	5	.0	.0	NUM
fsr-3450	359	6	0	0	NUM
fsr-3450	359	7	1	1	NUM
fsr-3450	359	8	)	)	PUNCT
fsr-3450	359	9	r	r	NOUN
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fsr-3450	359	11	l	l	NOUN
fsr-3450	359	12	as	as	ADP
fsr-3450	359	13	se	se	X
fsr-3450	359	14	ts	ts	X
fsr-3450	359	15	(	(	PUNCT
fsr-3450	359	16	p	p	X
fsr-3450	359	17	er	er	INTJ
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fsr-3450	359	20	0	0	NUM
fsr-3450	359	21	k	k	X
fsr-3450	359	22	)	)	PUNCT
fsr-3450	359	23	�	�	PROPN
fsr-3450	359	24	0	0	NUM
fsr-3450	359	25	.0	.0	NUM
fsr-3450	359	26	3	3	NUM
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fsr-3450	359	28	1	1	NUM
fsr-3450	359	29	*	*	PUNCT
fsr-3450	360	1	*	*	PUNCT
fsr-3450	360	2	*	*	PUNCT
fsr-3450	360	3	(	(	PUNCT
fsr-3450	360	4	0	0	NUM
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fsr-3450	360	6	0	0	NUM
fsr-3450	360	7	7	7	NUM
fsr-3450	360	8	)	)	PUNCT
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fsr-3450	360	16	*	*	PUNCT
fsr-3450	361	1	*	*	PUNCT
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fsr-3450	361	3	(	(	PUNCT
fsr-3450	361	4	0	0	NUM
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fsr-3450	361	6	0	0	NUM
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fsr-3450	361	8	)	)	PUNCT
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fsr-3450	361	10	0	0	NUM
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fsr-3450	361	15	*	*	PUNCT
fsr-3450	362	1	*	*	PUNCT
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fsr-3450	362	3	(	(	PUNCT
fsr-3450	362	4	0	0	NUM
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fsr-3450	362	16	*	*	PUNCT
fsr-3450	363	1	*	*	PUNCT
fsr-3450	363	2	*	*	PUNCT
fsr-3450	363	3	(	(	PUNCT
fsr-3450	363	4	0	0	NUM
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fsr-3450	363	6	0	0	NUM
fsr-3450	363	7	0	0	NUM
fsr-3450	363	8	)	)	PUNCT
fsr-3450	364	1	l	l	NOUN
fsr-3450	364	2	iq	iq	NOUN
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fsr-3450	388	7	9	9	NUM
fsr-3450	388	8	)	)	PUNCT
fsr-3450	388	9	0	0	NUM
fsr-3450	389	1	.0	.0	NUM
fsr-3450	389	2	0	0	NUM
fsr-3450	389	3	0	0	NUM
fsr-3450	389	4	5	5	NUM
fsr-3450	389	5	5	5	NUM
fsr-3450	389	6	9	9	NUM
fsr-3450	389	7	*	*	PUNCT
fsr-3450	389	8	(	(	PUNCT
fsr-3450	389	9	0	0	NUM
fsr-3450	389	10	.0	.0	NUM
fsr-3450	389	11	0	0	NUM
fsr-3450	389	12	0	0	NUM
fsr-3450	389	13	)	)	PUNCT
fsr-3450	389	14	f	f	PROPN
fsr-3450	389	15	in	in	ADP
fsr-3450	389	16	an	an	DET
fsr-3450	389	17	ci	ci	NOUN
fsr-3450	389	18	al	al	PROPN
fsr-3450	389	19	p	p	PROPN
fsr-3450	389	20	la	la	PROPN
fsr-3450	389	21	n	n	CCONJ
fsr-3450	389	22	n	n	NOUN
fsr-3450	389	23	in	in	ADP
fsr-3450	389	24	g	g	PROPN
fsr-3450	389	25	h	h	NOUN
fsr-3450	389	26	o	o	X
fsr-3450	389	27	ri	ri	PROPN
fsr-3450	389	28	zo	zo	PROPN
fsr-3450	389	29	n	n	PROPN
fsr-3450	389	30	(	(	PUNCT
fsr-3450	389	31	o	o	NOUN
fsr-3450	389	32	m	m	VERB
fsr-3450	389	33	it	it	PRON
fsr-3450	389	34	te	te	ADP
fsr-3450	389	35	d	d	PROPN
fsr-3450	389	36	b	b	PROPN
fsr-3450	389	37	as	as	SCONJ
fsr-3450	389	38	el	el	PROPN
fsr-3450	389	39	in	in	ADP
fsr-3450	389	40	e	e	PROPN
fsr-3450	389	41	ca	can	AUX
fsr-3450	389	42	te	te	VERB
fsr-3450	389	43	g	g	PROPN
fsr-3450	389	44	o	o	X
fsr-3450	389	45	ry	ry	NOUN
fsr-3450	389	46	“	"	PUNCT
fsr-3450	389	47	n	n	PROPN
fsr-3450	389	48	ex	ex	X
fsr-3450	389	49	t	t	PROPN
fsr-3450	389	50	fe	fe	X
fsr-3450	389	51	w	w	PROPN
fsr-3450	389	52	m	m	PROPN
fsr-3450	389	53	o	o	NOUN
fsr-3450	389	54	n	n	X
fsr-3450	389	55	th	th	X
fsr-3450	389	56	s	s	NOUN
fsr-3450	389	57	”	"	PUNCT
fsr-3450	389	58	)	)	PUNCT
fsr-3450	390	1	n	n	CCONJ
fsr-3450	390	2	ex	ex	NOUN
fsr-3450	390	3	t	t	NOUN
fsr-3450	390	4	y	y	PROPN
fsr-3450	390	5	ea	ea	PROPN
fsr-3450	390	6	r	r	NOUN
fsr-3450	390	7	�	�	PROPN
fsr-3450	390	8	1	1	NUM
fsr-3450	390	9	.3	.3	NUM
fsr-3450	390	10	4	4	NUM
fsr-3450	390	11	3	3	NUM
fsr-3450	390	12	*	*	PUNCT
fsr-3450	391	1	*	*	PUNCT
fsr-3450	391	2	*	*	PUNCT
fsr-3450	391	3	(	(	PUNCT
fsr-3450	391	4	0	0	NUM
fsr-3450	392	1	.4	.4	NUM
fsr-3450	392	2	0	0	NUM
fsr-3450	392	3	6	6	NUM
fsr-3450	392	4	)	)	PUNCT
fsr-3450	392	5	�	�	PROPN
fsr-3450	392	6	0	0	NUM
fsr-3450	392	7	.0	.0	NUM
fsr-3450	392	8	0	0	NUM
fsr-3450	392	9	4	4	NUM
fsr-3450	392	10	0	0	NUM
fsr-3450	392	11	7	7	NUM
fsr-3450	392	12	(	(	PUNCT
fsr-3450	392	13	0	0	NUM
fsr-3450	392	14	.0	.0	NUM
fsr-3450	392	15	1	1	NUM
fsr-3450	392	16	1	1	NUM
fsr-3450	392	17	)	)	PUNCT
fsr-3450	392	18	�	�	PROPN
fsr-3450	392	19	0	0	NUM
fsr-3450	392	20	.3	.3	NUM
fsr-3450	392	21	9	9	NUM
fsr-3450	392	22	6	6	NUM
fsr-3450	392	23	(	(	PUNCT
fsr-3450	392	24	0	0	NUM
fsr-3450	392	25	.4	.4	NUM
fsr-3450	392	26	1	1	NUM
fsr-3450	392	27	6	6	NUM
fsr-3450	392	28	)	)	PUNCT
fsr-3450	392	29	�	�	PROPN
fsr-3450	392	30	0	0	NUM
fsr-3450	392	31	.0	.0	NUM
fsr-3450	392	32	1	1	NUM
fsr-3450	392	33	0	0	NUM
fsr-3450	392	34	9	9	NUM
fsr-3450	392	35	(	(	PUNCT
fsr-3450	392	36	0	0	NUM
fsr-3450	392	37	.0	.0	NUM
fsr-3450	392	38	1	1	NUM
fsr-3450	392	39	0	0	NUM
fsr-3450	392	40	)	)	PUNCT
fsr-3450	393	1	n	n	PRON
fsr-3450	393	2	ex	ex	X
fsr-3450	393	3	t	t	PROPN
fsr-3450	393	4	fe	fe	X
fsr-3450	393	5	w	w	PROPN
fsr-3450	393	6	y	y	PROPN
fsr-3450	393	7	ea	ea	PROPN
fsr-3450	393	8	rs	rs	PROPN
fsr-3450	393	9	�	�	PROPN
fsr-3450	393	10	0	0	NUM
fsr-3450	393	11	.5	.5	NUM
fsr-3450	393	12	0	0	NUM
fsr-3450	393	13	5	5	NUM
fsr-3450	393	14	(	(	PUNCT
fsr-3450	393	15	0	0	NUM
fsr-3450	393	16	.5	.5	NUM
fsr-3450	393	17	0	0	NUM
fsr-3450	393	18	7	7	NUM
fsr-3450	393	19	)	)	PUNCT
fsr-3450	393	20	�	�	PROPN
fsr-3450	393	21	0	0	NUM
fsr-3450	393	22	.0	.0	NUM
fsr-3450	393	23	1	1	NUM
fsr-3450	393	24	8	8	NUM
fsr-3450	393	25	8	8	NUM
fsr-3450	393	26	*	*	PUNCT
fsr-3450	393	27	(	(	PUNCT
fsr-3450	393	28	0	0	NUM
fsr-3450	393	29	.0	.0	NUM
fsr-3450	393	30	0	0	NUM
fsr-3450	393	31	9	9	NUM
fsr-3450	393	32	)	)	PUNCT
fsr-3450	393	33	�	�	PROPN
fsr-3450	393	34	0	0	NUM
fsr-3450	393	35	.3	.3	NUM
fsr-3450	393	36	3	3	NUM
fsr-3450	393	37	5	5	NUM
fsr-3450	393	38	(	(	PUNCT
fsr-3450	393	39	0	0	NUM
fsr-3450	394	1	.4	.4	NUM
fsr-3450	394	2	4	4	NUM
fsr-3450	394	3	7	7	NUM
fsr-3450	394	4	)	)	PUNCT
fsr-3450	394	5	�	�	PROPN
fsr-3450	394	6	0	0	NUM
fsr-3450	394	7	.0	.0	NUM
fsr-3450	394	8	1	1	NUM
fsr-3450	394	9	2	2	NUM
fsr-3450	394	10	8	8	NUM
fsr-3450	394	11	(	(	PUNCT
fsr-3450	394	12	0	0	NUM
fsr-3450	394	13	.0	.0	NUM
fsr-3450	394	14	0	0	NUM
fsr-3450	394	15	8	8	NUM
fsr-3450	394	16	)	)	PUNCT
fsr-3450	395	1	n	n	CCONJ
fsr-3450	395	2	ex	ex	ADJ
fsr-3450	395	3	t	t	PROPN
fsr-3450	395	4	5	5	NUM
fsr-3450	395	5	to	to	PART
fsr-3450	395	6	1	1	NUM
fsr-3450	395	7	0	0	NUM
fsr-3450	395	8	y	y	PROPN
fsr-3450	395	9	ea	ea	PROPN
fsr-3450	395	10	rs	rs	PROPN
fsr-3450	395	11	�	�	PROPN
fsr-3450	395	12	1	1	NUM
fsr-3450	395	13	.3	.3	NUM
fsr-3450	395	14	5	5	NUM
fsr-3450	395	15	9	9	NUM
fsr-3450	395	16	*	*	PUNCT
fsr-3450	396	1	*	*	PUNCT
fsr-3450	396	2	*	*	PUNCT
fsr-3450	396	3	(	(	PUNCT
fsr-3450	396	4	0	0	NUM
fsr-3450	396	5	.3	.3	NUM
fsr-3450	396	6	4	4	NUM
fsr-3450	396	7	6	6	NUM
fsr-3450	396	8	)	)	PUNCT
fsr-3450	396	9	�	�	PROPN
fsr-3450	396	10	0	0	NUM
fsr-3450	396	11	.0	.0	NUM
fsr-3450	396	12	1	1	NUM
fsr-3450	396	13	8	8	NUM
fsr-3450	396	14	5	5	NUM
fsr-3450	396	15	(	(	PUNCT
fsr-3450	396	16	0	0	NUM
fsr-3450	396	17	.0	.0	NUM
fsr-3450	396	18	1	1	NUM
fsr-3450	396	19	1	1	NUM
fsr-3450	396	20	)	)	PUNCT
fsr-3450	396	21	�	�	PROPN
fsr-3450	396	22	1	1	NUM
fsr-3450	396	23	.1	.1	NUM
fsr-3450	396	24	8	8	NUM
fsr-3450	396	25	8	8	NUM
fsr-3450	396	26	*	*	PUNCT
fsr-3450	397	1	*	*	PUNCT
fsr-3450	397	2	*	*	PUNCT
fsr-3450	397	3	(	(	PUNCT
fsr-3450	397	4	0	0	NUM
fsr-3450	397	5	.2	.2	NUM
fsr-3450	397	6	5	5	NUM
fsr-3450	397	7	3	3	NUM
fsr-3450	397	8	)	)	PUNCT
fsr-3450	397	9	�	�	PROPN
fsr-3450	397	10	0	0	NUM
fsr-3450	397	11	.0	.0	NUM
fsr-3450	397	12	1	1	NUM
fsr-3450	397	13	9	9	NUM
fsr-3450	397	14	4	4	NUM
fsr-3450	397	15	*	*	PUNCT
fsr-3450	397	16	(	(	PUNCT
fsr-3450	397	17	0	0	NUM
fsr-3450	397	18	.0	.0	NUM
fsr-3450	397	19	0	0	NUM
fsr-3450	397	20	9	9	NUM
fsr-3450	397	21	)	)	PUNCT
fsr-3450	397	22	l	l	NOUN
fsr-3450	397	23	o	o	NOUN
fsr-3450	397	24	n	n	CCONJ
fsr-3450	397	25	g	g	NOUN
fsr-3450	397	26	er	er	INTJ
fsr-3450	397	27	th	th	X
fsr-3450	397	28	an	an	DET
fsr-3450	397	29	1	1	NUM
fsr-3450	397	30	0	0	NUM
fsr-3450	397	31	y	y	PROPN
fsr-3450	397	32	ea	ea	PROPN
fsr-3450	397	33	rs	rs	PROPN
fsr-3450	397	34	�	�	PROPN
fsr-3450	397	35	0	0	NUM
fsr-3450	397	36	.6	.6	NUM
fsr-3450	397	37	9	9	NUM
fsr-3450	397	38	2	2	NUM
fsr-3450	397	39	(	(	PUNCT
fsr-3450	397	40	0	0	NUM
fsr-3450	398	1	.4	.4	NUM
fsr-3450	398	2	3	3	NUM
fsr-3450	398	3	6	6	NUM
fsr-3450	398	4	)	)	PUNCT
fsr-3450	398	5	�	�	PROPN
fsr-3450	398	6	0	0	NUM
fsr-3450	398	7	.0	.0	NUM
fsr-3450	398	8	1	1	NUM
fsr-3450	398	9	1	1	NUM
fsr-3450	398	10	1	1	NUM
fsr-3450	398	11	(	(	PUNCT
fsr-3450	398	12	0	0	NUM
fsr-3450	398	13	.0	.0	NUM
fsr-3450	398	14	1	1	NUM
fsr-3450	398	15	2	2	NUM
fsr-3450	398	16	)	)	PUNCT
fsr-3450	398	17	�	�	NOUN
fsr-3450	398	18	0	0	NUM
fsr-3450	398	19	.4	.4	NUM
fsr-3450	398	20	7	7	NUM
fsr-3450	398	21	7	7	NUM
fsr-3450	398	22	(	(	PUNCT
fsr-3450	398	23	0	0	NUM
fsr-3450	398	24	.3	.3	NUM
fsr-3450	398	25	5	5	NUM
fsr-3450	398	26	6	6	NUM
fsr-3450	398	27	)	)	PUNCT
fsr-3450	398	28	�	�	PROPN
fsr-3450	398	29	0	0	NUM
fsr-3450	398	30	.0	.0	NUM
fsr-3450	398	31	0	0	NUM
fsr-3450	398	32	9	9	NUM
fsr-3450	398	33	2	2	NUM
fsr-3450	398	34	4	4	NUM
fsr-3450	398	35	(	(	PUNCT
fsr-3450	398	36	0	0	NUM
fsr-3450	398	37	.0	.0	NUM
fsr-3450	398	38	1	1	NUM
fsr-3450	398	39	1	1	NUM
fsr-3450	398	40	)	)	PUNCT
fsr-3450	398	41	n	n	PRON
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fsr-3450	398	43	,	,	PUNCT
fsr-3450	398	44	3	3	NUM
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fsr-3450	398	47	3	3	NUM
fsr-3450	398	48	,	,	PUNCT
fsr-3450	398	49	3	3	NUM
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fsr-3450	398	53	,	,	PUNCT
fsr-3450	398	54	3	3	NUM
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fsr-3450	398	58	,	,	PUNCT
fsr-3450	398	59	3	3	NUM
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fsr-3450	398	62	n	n	NUM
fsr-3450	398	63	o	o	NOUN
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fsr-3450	398	65	s	s	NOUN
fsr-3450	398	66	:	:	PUNCT
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fsr-3450	398	68	te	te	PROPN
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fsr-3450	398	72	fo	fo	ADP
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fsr-3450	398	74	at	at	ADP
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fsr-3450	398	76	n	n	ADV
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fsr-3450	398	78	r	r	NOUN
fsr-3450	399	1	so	so	ADV
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fsr-3450	399	3	e	e	NOUN
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fsr-3450	399	6	s	s	X
fsr-3450	399	7	w	w	NOUN
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fsr-3450	399	9	n	n	PROPN
fsr-3450	399	10	o	o	NOUN
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fsr-3450	399	13	p	p	PROPN
fsr-3450	399	14	o	o	X
fsr-3450	399	15	rt	rt	PROPN
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fsr-3450	399	18	th	th	NUM
fsr-3450	399	19	e	e	X
fsr-3450	399	20	2	2	NUM
fsr-3450	399	21	0	0	NUM
fsr-3450	399	22	1	1	NUM
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fsr-3450	399	24	s	s	NOUN
fsr-3450	399	25	u	u	NOUN
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fsr-3450	399	28	o	o	NOUN
fsr-3450	400	1	f	f	X
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fsr-3450	400	3	o	o	PROPN
fsr-3450	400	4	n	n	CCONJ
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fsr-3450	400	8	f	f	PROPN
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fsr-3450	400	10	an	an	DET
fsr-3450	400	11	ce	ce	PROPN
fsr-3450	400	12	s	s	X
fsr-3450	400	13	(	(	PUNCT
fsr-3450	400	14	s	s	PROPN
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fsr-3450	400	17	)	)	PUNCT
fsr-3450	401	1	d	d	NOUN
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fsr-3450	401	7	ef	ef	X
fsr-3450	401	8	o	o	X
fsr-3450	401	9	re	re	X
fsr-3450	401	10	th	th	X
fsr-3450	401	11	e	e	VERB
fsr-3450	401	12	to	to	ADP
fsr-3450	401	13	ta	ta	PROPN
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fsr-3450	401	15	n	n	CCONJ
fsr-3450	401	16	u	u	PROPN
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fsr-3450	401	19	er	er	INTJ
fsr-3450	401	20	o	o	X
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fsr-3450	402	1	h	h	NOUN
fsr-3450	402	2	o	o	X
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fsr-3450	403	1	o	o	X
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fsr-3450	403	4	w	w	NOUN
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fsr-3450	403	9	ce	ce	PROPN
fsr-3450	404	1	d	d	NOUN
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fsr-3450	404	6	,	,	PUNCT
fsr-3450	404	7	4	4	NUM
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fsr-3450	404	10	to	to	ADP
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fsr-3450	404	16	.	.	PUNCT
fsr-3450	405	1	t	t	PROPN
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fsr-3450	405	4	2	2	NUM
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fsr-3450	405	6	1	1	NUM
fsr-3450	405	7	6	6	NUM
fsr-3450	405	8	s	s	NOUN
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fsr-3450	405	10	f	f	PROPN
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fsr-3450	405	13	p	p	X
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fsr-3450	405	15	w	w	NOUN
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fsr-3450	405	18	h	h	NOUN
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fsr-3450	405	22	e	e	PROPN
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fsr-3450	406	1	a	a	DET
fsr-3450	406	2	“	"	PUNCT
fsr-3450	406	3	w	w	NOUN
fsr-3450	406	4	ei	ei	NOUN
fsr-3450	406	5	g	g	PROPN
fsr-3450	406	6	h	h	NOUN
fsr-3450	406	7	te	te	PROPN
fsr-3450	406	8	d	d	X
fsr-3450	406	9	”	"	PUNCT
fsr-3450	406	10	m	m	PROPN
fsr-3450	406	11	ea	ea	NOUN
fsr-3450	407	1	n	n	CCONJ
fsr-3450	407	2	s	s	PART
fsr-3450	407	3	th	th	X
fsr-3450	407	4	is	be	AUX
fsr-3450	407	5	in	in	ADP
fsr-3450	407	6	te	te	PROPN
fsr-3450	407	7	re	re	PROPN
fsr-3450	407	8	st	st	PROPN
fsr-3450	407	9	ra	ra	PROPN
fsr-3450	407	10	te	te	PROPN
fsr-3450	407	11	m	m	PROPN
fsr-3450	407	12	ea	ea	PROPN
fsr-3450	407	13	su	su	PROPN
fsr-3450	407	14	re	re	SYM
fsr-3450	407	15	ta	ta	PROPN
fsr-3450	407	16	k	k	X
fsr-3450	407	17	es	es	X
fsr-3450	407	18	th	th	X
fsr-3450	407	19	e	e	X
fsr-3450	407	20	d	d	X
fsr-3450	407	21	o	o	X
fsr-3450	407	22	ll	ll	AUX
fsr-3450	407	23	ar	ar	PROPN
fsr-3450	407	24	am	am	NOUN
fsr-3450	407	25	o	o	NOUN
fsr-3450	407	26	u	u	NOUN
fsr-3450	407	27	n	n	ADP
fsr-3450	407	28	t	t	NOUN
fsr-3450	407	29	w	w	NOUN
fsr-3450	408	1	ei	ei	PROPN
fsr-3450	409	1	g	g	PROPN
fsr-3450	410	1	h	h	NOUN
fsr-3450	411	1	te	te	PROPN
fsr-3450	412	1	d	d	X
fsr-3450	412	2	av	av	PROPN
fsr-3450	412	3	er	er	INTJ
fsr-3450	412	4	ag	ag	PROPN
fsr-3450	412	5	e	e	PROPN
fsr-3450	412	6	o	o	NOUN
fsr-3450	412	7	f	f	X
fsr-3450	412	8	th	th	X
fsr-3450	412	9	e	e	PROPN
fsr-3450	412	10	in	in	ADP
fsr-3450	412	11	te	te	PROPN
fsr-3450	412	12	re	re	PROPN
fsr-3450	413	1	st	st	PROPN
fsr-3450	413	2	ra	ra	PROPN
fsr-3450	413	3	te	te	PROPN
fsr-3450	413	4	s	s	PROPN
fsr-3450	413	5	ac	ac	INTJ
fsr-3450	413	6	ro	ro	PROPN
fsr-3450	413	7	ss	ss	PROPN
fsr-3450	413	8	al	al	PROPN
fsr-3450	413	9	l	l	PROPN
fsr-3450	413	10	lo	lo	PROPN
fsr-3450	414	1	an	an	DET
fsr-3450	414	2	ty	ty	INTJ
fsr-3450	414	3	p	p	X
fsr-3450	414	4	es	es	NOUN
fsr-3450	414	5	in	in	ADP
fsr-3450	414	6	to	to	ADP
fsr-3450	414	7	ac	ac	PROPN
fsr-3450	414	8	co	co	PROPN
fsr-3450	414	9	u	u	PROPN
fsr-3450	414	10	n	n	PROPN
fsr-3450	414	11	t.	t.	PROPN
fsr-3450	414	12	t	t	PROPN
fsr-3450	414	13	h	h	NOUN
fsr-3450	414	14	at	at	ADP
fsr-3450	414	15	is	be	AUX
fsr-3450	414	16	,	,	PUNCT
fsr-3450	414	17	fo	fo	INTJ
fsr-3450	414	18	r	r	NOUN
fsr-3450	414	19	ea	ea	NOUN
fsr-3450	415	1	ch	ch	NOUN
fsr-3450	415	2	h	h	NOUN
fsr-3450	415	3	o	o	X
fsr-3450	415	4	u	u	X
fsr-3450	415	5	se	se	PROPN
fsr-3450	415	6	h	h	PROPN
fsr-3450	415	7	o	o	PROPN
fsr-3450	415	8	ld	ld	PROPN
fsr-3450	415	9	,	,	PUNCT
fsr-3450	415	10	th	th	X
fsr-3450	415	11	e	e	X
fsr-3450	415	12	d	d	X
fsr-3450	415	13	o	o	X
fsr-3450	415	14	ll	ll	AUX
fsr-3450	415	15	ar	ar	PROPN
fsr-3450	415	16	am	am	NOUN
fsr-3450	415	17	o	o	NOUN
fsr-3450	415	18	u	u	NOUN
fsr-3450	415	19	n	n	NOUN
fsr-3450	415	20	ts	ts	ADP
fsr-3450	415	21	o	o	X
fsr-3450	416	1	f	f	PROPN
fsr-3450	417	1	d	d	NOUN
fsr-3450	417	2	if	if	SCONJ
fsr-3450	417	3	fe	fe	X
fsr-3450	417	4	re	re	X
fsr-3450	417	5	n	n	PROPN
fsr-3450	417	6	t	t	PROPN
fsr-3450	417	7	lo	lo	PROPN
fsr-3450	418	1	an	an	DET
fsr-3450	418	2	s	s	PROPN
fsr-3450	418	3	ar	ar	NOUN
fsr-3450	418	4	e	e	PROPN
fsr-3450	418	5	m	m	VERB
fsr-3450	418	6	u	u	NOUN
fsr-3450	418	7	lt	lt	NOUN
fsr-3450	418	8	ip	ip	NOUN
fsr-3450	418	9	li	li	PROPN
fsr-3450	419	1	ed	ed	PROPN
fsr-3450	419	2	b	b	PROPN
fsr-3450	419	3	y	y	X
fsr-3450	419	4	th	th	X
fsr-3450	419	5	ei	ei	ADP
fsr-3450	419	6	r	r	NOUN
fsr-3450	419	7	in	in	ADP
fsr-3450	419	8	te	te	PROPN
fsr-3450	419	9	re	re	PROPN
fsr-3450	419	10	st	st	PROPN
fsr-3450	419	11	ra	ra	PROPN
fsr-3450	419	12	te	te	PROPN
fsr-3450	419	13	s	s	VERB
fsr-3450	419	14	to	to	PART
fsr-3450	419	15	ca	ca	PROPN
fsr-3450	419	16	lc	lc	VERB
fsr-3450	419	17	u	u	PROPN
fsr-3450	419	18	la	la	X
fsr-3450	419	19	te	te	X
fsr-3450	419	20	th	th	X
fsr-3450	419	21	e	e	X
fsr-3450	419	22	o	o	X
fsr-3450	419	23	v	v	INTJ
fsr-3450	419	24	er	er	INTJ
fsr-3450	419	25	al	al	PROPN
fsr-3450	419	26	l	l	PROPN
fsr-3450	419	27	li	li	PROPN
fsr-3450	420	1	ab	ab	PROPN
fsr-3450	420	2	il	il	PROPN
fsr-3450	421	1	it	it	PRON
fsr-3450	422	1	y	y	PROPN
fsr-3450	422	2	co	co	PROPN
fsr-3450	422	3	st	st	PROPN
fsr-3450	422	4	p	p	PROPN
fsr-3450	422	5	er	er	INTJ
fsr-3450	422	6	y	y	PROPN
fsr-3450	422	7	ea	ea	PROPN
fsr-3450	422	8	r.	r.	PROPN
fsr-3450	422	9	t	t	PROPN
fsr-3450	422	10	h	h	PROPN
fsr-3450	422	11	en	en	X
fsr-3450	422	12	th	th	X
fsr-3450	422	13	is	be	AUX
fsr-3450	422	14	li	li	PROPN
fsr-3450	422	15	ab	ab	PROPN
fsr-3450	422	16	il	il	PROPN
fsr-3450	423	1	it	it	PRON
fsr-3450	423	2	y	y	PROPN
fsr-3450	423	3	co	co	PROPN
fsr-3450	423	4	st	st	PROPN
fsr-3450	423	5	is	be	AUX
fsr-3450	423	6	d	d	NUM
fsr-3450	423	7	iv	iv	NUM
fsr-3450	424	1	i	i	PROPN
fsr-3450	424	2	d	d	PROPN
fsr-3450	424	3	ed	ed	PROPN
fsr-3450	424	4	b	b	PROPN
fsr-3450	424	5	y	y	X
fsr-3450	424	6	th	th	X
fsr-3450	424	7	e	e	NOUN
fsr-3450	424	8	to	to	ADP
fsr-3450	424	9	ta	ta	PROPN
fsr-3450	424	10	l	l	PROPN
fsr-3450	424	11	lo	lo	PROPN
fsr-3450	424	12	an	an	DET
fsr-3450	424	13	am	am	NOUN
fsr-3450	424	14	o	o	NOUN
fsr-3450	424	15	u	u	NOUN
fsr-3450	424	16	n	n	ADP
fsr-3450	424	17	t	t	NOUN
fsr-3450	424	18	to	to	PART
fsr-3450	424	19	ac	ac	PROPN
fsr-3450	424	20	q	q	PROPN
fsr-3450	424	21	u	u	X
fsr-3450	424	22	ir	ir	X
fsr-3450	424	23	e	e	X
fsr-3450	424	24	th	th	X
fsr-3450	424	25	e	e	X
fsr-3450	424	26	w	w	NOUN
fsr-3450	424	27	ei	ei	PROPN
fsr-3450	424	28	g	g	PROPN
fsr-3450	424	29	h	h	NOUN
fsr-3450	424	30	te	te	PROPN
fsr-3450	425	1	d	d	X
fsr-3450	425	2	av	av	PROPN
fsr-3450	425	3	er	er	INTJ
fsr-3450	425	4	ag	ag	PROPN
fsr-3450	425	5	e	e	PROPN
fsr-3450	425	6	in	in	ADP
fsr-3450	425	7	te	te	PROPN
fsr-3450	425	8	re	re	PROPN
fsr-3450	425	9	st	st	PROPN
fsr-3450	425	10	ra	ra	PROPN
fsr-3450	425	11	te	te	INTJ
fsr-3450	425	12	fo	fo	INTJ
fsr-3450	425	13	r	r	NOUN
fsr-3450	425	14	ea	ea	PROPN
fsr-3450	425	15	ch	ch	NOUN
fsr-3450	425	16	h	h	NOUN
fsr-3450	426	1	o	o	X
fsr-3450	426	2	u	u	X
fsr-3450	426	3	se	se	PROPN
fsr-3450	426	4	h	h	PROPN
fsr-3450	427	1	o	o	INTJ
fsr-3450	427	2	ld	ld	PROPN
fsr-3450	427	3	.	.	PUNCT
fsr-3450	428	1	b	b	X
fsr-3450	428	2	™	™	PROPN
fsr-3450	428	3	s	s	VERB
fsr-3450	428	4	i	i	NOUN
fsr-3450	428	5	m	m	PROPN
fsr-3450	428	6	p	p	NOUN
fsr-3450	428	7	le	le	X
fsr-3450	428	8	”	"	PUNCT
fsr-3450	428	9	m	m	PROPN
fsr-3450	428	10	ea	ea	NOUN
fsr-3450	428	11	n	n	CCONJ
fsr-3450	428	12	s	s	PART
fsr-3450	428	13	th	th	X
fsr-3450	428	14	is	be	AUX
fsr-3450	428	15	in	in	ADP
fsr-3450	428	16	te	te	PROPN
fsr-3450	428	17	re	re	PROPN
fsr-3450	428	18	st	st	PROPN
fsr-3450	428	19	m	m	PROPN
fsr-3450	428	20	ea	ea	PROPN
fsr-3450	428	21	su	su	PROPN
fsr-3450	428	22	re	re	PROPN
fsr-3450	428	23	is	be	AUX
fsr-3450	428	24	b	b	NOUN
fsr-3450	428	25	as	as	ADP
fsr-3450	428	26	ed	ed	PROPN
fsr-3450	428	27	o	o	PROPN
fsr-3450	428	28	n	n	ADV
fsr-3450	428	29	th	th	X
fsr-3450	428	30	e	e	X
fsr-3450	428	31	si	si	X
fsr-3450	428	32	m	m	PROPN
fsr-3450	428	33	p	p	X
fsr-3450	428	34	le	le	X
fsr-3450	428	35	ar	ar	PROPN
fsr-3450	428	36	it	it	PRON
fsr-3450	428	37	h	h	NOUN
fsr-3450	428	38	m	m	VERB
fsr-3450	428	39	et	et	VERB
fsr-3450	429	1	ic	ic	INTJ
fsr-3450	429	2	av	av	PROPN
fsr-3450	429	3	er	er	INTJ
fsr-3450	429	4	ag	ag	PROPN
fsr-3450	429	5	e	e	PROPN
fsr-3450	429	6	o	o	NOUN
fsr-3450	429	7	f	f	X
fsr-3450	429	8	th	th	X
fsr-3450	429	9	e	e	PROPN
fsr-3450	429	10	in	in	ADP
fsr-3450	429	11	te	te	PROPN
fsr-3450	429	12	re	re	PROPN
fsr-3450	430	1	st	st	PROPN
fsr-3450	430	2	ra	ra	PROPN
fsr-3450	430	3	te	te	PROPN
fsr-3450	430	4	s	s	PROPN
fsr-3450	430	5	ac	ac	INTJ
fsr-3450	430	6	ro	ro	PROPN
fsr-3450	430	7	ss	ss	PROPN
fsr-3450	430	8	al	al	PROPN
fsr-3450	430	9	l	l	PROPN
fsr-3450	430	10	lo	lo	PROPN
fsr-3450	431	1	an	an	DET
fsr-3450	431	2	ty	ty	INTJ
fsr-3450	431	3	p	p	NOUN
fsr-3450	431	4	es	es	NOUN
fsr-3450	431	5	.	.	PUNCT
fsr-3450	432	1	t	t	PROPN
fsr-3450	432	2	h	h	PROPN
fsr-3450	432	3	is	be	AUX
fsr-3450	432	4	m	m	PROPN
fsr-3450	432	5	ea	ea	NOUN
fsr-3450	432	6	su	su	PROPN
fsr-3450	432	7	re	re	VERB
fsr-3450	432	8	m	m	PROPN
fsr-3450	432	9	en	en	PROPN
fsr-3450	432	10	t	t	PROPN
fsr-3450	432	11	se	se	PROPN
fsr-3450	432	12	rv	rv	PROPN
fsr-3450	432	13	es	es	PROPN
fsr-3450	432	14	as	as	ADP
fsr-3450	432	15	a	a	DET
fsr-3450	432	16	ro	ro	X
fsr-3450	432	17	b	b	PROPN
fsr-3450	432	18	u	u	PROPN
fsr-3450	432	19	st	st	PROPN
fsr-3450	432	20	ch	ch	PROPN
fsr-3450	432	21	ec	ec	PROPN
fsr-3450	433	1	k	k	NOUN
fsr-3450	434	1	fo	fo	INTJ
fsr-3450	434	2	r	r	NOUN
fsr-3450	434	3	th	th	X
fsr-3450	434	4	e	e	X
fsr-3450	434	5	w	w	NOUN
fsr-3450	434	6	ei	ei	PROPN
fsr-3450	434	7	g	g	PROPN
fsr-3450	434	8	h	h	NOUN
fsr-3450	434	9	te	te	PROPN
fsr-3450	435	1	d	d	X
fsr-3450	435	2	av	av	PROPN
fsr-3450	435	3	er	er	INTJ
fsr-3450	435	4	ag	ag	PROPN
fsr-3450	435	5	e	e	PROPN
fsr-3450	435	6	in	in	ADP
fsr-3450	435	7	te	te	PROPN
fsr-3450	435	8	re	re	PROPN
fsr-3450	436	1	st	st	PROPN
fsr-3450	436	2	m	m	PROPN
fsr-3450	436	3	ea	ea	PROPN
fsr-3450	436	4	su	su	PROPN
fsr-3450	436	5	re	re	PROPN
fsr-3450	436	6	.	.	PUNCT
fsr-3450	437	1	s	s	VERB
fsr-3450	437	2	ta	ta	PROPN
fsr-3450	437	3	n	n	PROPN
fsr-3450	437	4	d	d	PROPN
fsr-3450	437	5	ar	ar	PROPN
fsr-3450	437	6	d	d	PROPN
fsr-3450	437	7	er	er	INTJ
fsr-3450	437	8	ro	ro	INTJ
fsr-3450	437	9	rs	rs	NOUN
fsr-3450	437	10	in	in	ADP
fsr-3450	437	11	p	p	PROPN
fsr-3450	437	12	ar	ar	PROPN
fsr-3450	437	13	en	en	X
fsr-3450	437	14	th	th	X
fsr-3450	437	15	es	es	X
fsr-3450	437	16	es	es	NOUN
fsr-3450	437	17	.	.	PUNCT
fsr-3450	438	1	*	*	PUNCT
fsr-3450	438	2	p	p	X
fsr-3450	438	3	<	<	X
fsr-3450	438	4	.0	.0	NUM
fsr-3450	438	5	5	5	NUM
fsr-3450	438	6	;	;	PUNCT
fsr-3450	438	7	*	*	PUNCT
fsr-3450	439	1	*	*	PUNCT
fsr-3450	439	2	p	p	X
fsr-3450	439	3	<	<	X
fsr-3450	439	4	.0	.0	NUM
fsr-3450	439	5	1	1	NUM
fsr-3450	439	6	;	;	PUNCT
fsr-3450	439	7	*	*	PUNCT
fsr-3450	440	1	*	*	PUNCT
fsr-3450	440	2	*	*	PUNCT
fsr-3450	440	3	p	p	X
fsr-3450	440	4	<	<	X
fsr-3450	440	5	.0	.0	NUM
fsr-3450	440	6	0	0	NUM
fsr-3450	440	7	1	1	NUM
fsr-3450	440	8	.	.	PUNCT
fsr-3450	441	1	z.	z.	PROPN
fsr-3450	441	2	liu	liu	PROPN
fsr-3450	441	3	and	and	CCONJ
fsr-3450	441	4	d.	d.	PROPN
fsr-3450	441	5	m.	m.	PROPN
fsr-3450	441	6	blanchett	blanchett	PROPN
fsr-3450	441	7	/	/	SYM
fsr-3450	441	8	financial	financial	ADJ
fsr-3450	441	9	services	service	NOUN
fsr-3450	441	10	review	review	VERB
fsr-3450	441	11	29	29	NUM
fsr-3450	441	12	(	(	PUNCT
fsr-3450	441	13	2021	2021	NUM
fsr-3450	441	14	)	)	PUNCT
fsr-3450	442	1	121–145	121–145	NUM
fsr-3450	442	2	135	135	NUM
fsr-3450	442	3	subject	subject	ADJ
fsr-3450	442	4	to	to	ADP
fsr-3450	442	5	higher	high	ADJ
fsr-3450	442	6	interest	interest	NOUN
fsr-3450	442	7	rates	rate	NOUN
fsr-3450	442	8	.	.	PUNCT
fsr-3450	443	1	therefore	therefore	ADV
fsr-3450	443	2	,	,	PUNCT
fsr-3450	443	3	families	family	NOUN
fsr-3450	443	4	with	with	ADP
fsr-3450	443	5	these	these	DET
fsr-3450	443	6	attributes	attribute	NOUN
fsr-3450	443	7	are	be	AUX
fsr-3450	443	8	more	more	ADV
fsr-3450	443	9	likely	likely	ADJ
fsr-3450	443	10	to	to	PART
fsr-3450	443	11	need	need	VERB
fsr-3450	443	12	help	help	NOUN
fsr-3450	443	13	with	with	ADP
fsr-3450	443	14	liability	liability	NOUN
fsr-3450	443	15	management	management	NOUN
fsr-3450	443	16	and	and	CCONJ
fsr-3450	443	17	could	could	AUX
fsr-3450	443	18	potentially	potentially	ADV
fsr-3450	443	19	benefit	benefit	VERB
fsr-3450	443	20	significantly	significantly	ADV
fsr-3450	443	21	from	from	ADP
fsr-3450	443	22	interest	interest	NOUN
fsr-3450	443	23	rate	rate	NOUN
fsr-3450	443	24	reductions	reduction	NOUN
fsr-3450	443	25	.	.	PUNCT
fsr-3450	444	1	finally	finally	ADV
fsr-3450	444	2	,	,	PUNCT
fsr-3450	444	3	we	we	PRON
fsr-3450	444	4	perform	perform	VERB
fsr-3450	444	5	the	the	DET
fsr-3450	444	6	alpha	alpha	NOUN
fsr-3450	444	7	-	-	PUNCT
fsr-3450	444	8	equivalent	equivalent	ADJ
fsr-3450	444	9	analysis	analysis	NOUN
fsr-3450	444	10	to	to	PART
fsr-3450	444	11	determine	determine	VERB
fsr-3450	444	12	the	the	DET
fsr-3450	444	13	potential	potential	ADJ
fsr-3450	444	14	savings	saving	NOUN
fsr-3450	444	15	a	a	DET
fsr-3450	444	16	household	household	NOUN
fsr-3450	444	17	would	would	AUX
fsr-3450	444	18	experience	experience	VERB
fsr-3450	444	19	if	if	SCONJ
fsr-3450	444	20	it	it	PRON
fsr-3450	444	21	were	be	AUX
fsr-3450	444	22	able	able	ADJ
fsr-3450	444	23	to	to	PART
fsr-3450	444	24	reduce	reduce	VERB
fsr-3450	444	25	the	the	DET
fsr-3450	444	26	interest	interest	NOUN
fsr-3450	444	27	rates	rate	NOUN
fsr-3450	444	28	on	on	ADP
fsr-3450	444	29	their	their	PRON
fsr-3450	444	30	existing	exist	VERB
fsr-3450	444	31	liabilities	liability	NOUN
fsr-3450	444	32	.	.	PUNCT
fsr-3450	445	1	for	for	ADP
fsr-3450	445	2	the	the	DET
fsr-3450	445	3	analysis	analysis	NOUN
fsr-3450	445	4	we	we	PRON
fsr-3450	445	5	assume	assume	VERB
fsr-3450	445	6	the	the	DET
fsr-3450	445	7	household	household	NOUN
fsr-3450	445	8	’s	’s	PART
fsr-3450	445	9	interest	interest	NOUN
fsr-3450	445	10	rates	rate	NOUN
fsr-3450	445	11	are	be	AUX
fsr-3450	445	12	reduced	reduce	VERB
fsr-3450	445	13	based	base	VERB
fsr-3450	445	14	on	on	ADP
fsr-3450	445	15	the	the	DET
fsr-3450	445	16	distribution	distribution	NOUN
fsr-3450	445	17	of	of	ADP
fsr-3450	445	18	household	household	NOUN
fsr-3450	445	19	loan	loan	NOUN
fsr-3450	445	20	interest	interest	NOUN
fsr-3450	445	21	rates	rate	NOUN
fsr-3450	445	22	as	as	SCONJ
fsr-3450	445	23	noted	note	VERB
fsr-3450	445	24	in	in	ADP
fsr-3450	445	25	fig	fig	NOUN
fsr-3450	445	26	.	.	PUNCT
fsr-3450	446	1	3	3	NUM
fsr-3450	446	2	we	we	PRON
fsr-3450	446	3	assume	assume	VERB
fsr-3450	446	4	each	each	DET
fsr-3450	446	5	liability	liability	NOUN
fsr-3450	446	6	would	would	AUX
fsr-3450	446	7	be	be	AUX
fsr-3450	446	8	reduced	reduce	VERB
fsr-3450	446	9	by	by	ADP
fsr-3450	446	10	some	some	DET
fsr-3450	446	11	percentile	percentile	ADJ
fsr-3450	446	12	amount	amount	NOUN
fsr-3450	446	13	,	,	PUNCT
fsr-3450	446	14	based	base	VERB
fsr-3450	446	15	on	on	ADP
fsr-3450	446	16	the	the	DET
fsr-3450	446	17	distribution	distribution	NOUN
fsr-3450	446	18	for	for	ADP
fsr-3450	446	19	that	that	DET
fsr-3450	446	20	respective	respective	ADJ
fsr-3450	446	21	liability	liability	NOUN
fsr-3450	446	22	.	.	PUNCT
fsr-3450	447	1	for	for	ADP
fsr-3450	447	2	example	example	NOUN
fsr-3450	447	3	,	,	PUNCT
fsr-3450	447	4	let	let	VERB
fsr-3450	447	5	us	we	PRON
fsr-3450	447	6	assume	assume	VERB
fsr-3450	447	7	a	a	DET
fsr-3450	447	8	household	household	NOUN
fsr-3450	447	9	had	have	VERB
fsr-3450	447	10	financial	financial	ADJ
fsr-3450	447	11	assets	asset	NOUN
fsr-3450	447	12	(	(	PUNCT
fsr-3450	447	13	i.e.	i.e.	X
fsr-3450	447	14	,	,	PUNCT
fsr-3450	447	15	a	a	DET
fsr-3450	447	16	portfolio	portfolio	NOUN
fsr-3450	447	17	)	)	PUNCT
fsr-3450	447	18	worth	worth	ADJ
fsr-3450	447	19	$	$	SYM
fsr-3450	447	20	100,000	100,000	NUM
fsr-3450	447	21	and	and	CCONJ
fsr-3450	447	22	a	a	DET
fsr-3450	447	23	single	single	ADJ
fsr-3450	447	24	liability	liability	NOUN
fsr-3450	447	25	,	,	PUNCT
fsr-3450	447	26	which	which	PRON
fsr-3450	447	27	was	be	AUX
fsr-3450	447	28	$	$	SYM
fsr-3450	447	29	15,000	15,000	NUM
fsr-3450	447	30	in	in	ADP
fsr-3450	447	31	credit	credit	NOUN
fsr-3450	447	32	card	card	NOUN
fsr-3450	447	33	debt	debt	NOUN
fsr-3450	447	34	at	at	ADP
fsr-3450	447	35	an	an	DET
fsr-3450	447	36	interest	interest	NOUN
fsr-3450	447	37	rate	rate	NOUN
fsr-3450	447	38	of	of	ADP
fsr-3450	447	39	15	15	NUM
fsr-3450	447	40	%	%	NOUN
fsr-3450	447	41	.	.	PUNCT
fsr-3450	448	1	a	a	DET
fsr-3450	448	2	15	15	NUM
fsr-3450	448	3	%	%	NOUN
fsr-3450	448	4	interest	interest	NOUN
fsr-3450	448	5	rate	rate	NOUN
fsr-3450	448	6	on	on	ADP
fsr-3450	448	7	credit	credit	NOUN
fsr-3450	448	8	card	card	NOUN
fsr-3450	448	9	debt	debt	NOUN
fsr-3450	448	10	would	would	AUX
fsr-3450	448	11	be	be	AUX
fsr-3450	448	12	in	in	ADP
fsr-3450	448	13	the	the	DET
fsr-3450	448	14	47th	47th	ADJ
fsr-3450	448	15	percentile	percentile	NOUN
fsr-3450	448	16	of	of	ADP
fsr-3450	448	17	interest	interest	NOUN
fsr-3450	448	18	rates	rate	NOUN
fsr-3450	448	19	according	accord	VERB
fsr-3450	448	20	to	to	ADP
fsr-3450	448	21	fig	fig	NOUN
fsr-3450	448	22	.	.	PUNCT
fsr-3450	449	1	4	4	NUM
fsr-3450	449	2	if	if	SCONJ
fsr-3450	449	3	the	the	DET
fsr-3450	449	4	household	household	NOUN
fsr-3450	449	5	were	be	AUX
fsr-3450	449	6	able	able	ADJ
fsr-3450	449	7	to	to	PART
fsr-3450	449	8	reduce	reduce	VERB
fsr-3450	449	9	the	the	DET
fsr-3450	449	10	interest	interest	NOUN
fsr-3450	449	11	rate	rate	NOUN
fsr-3450	449	12	by	by	ADP
fsr-3450	449	13	ten	ten	NUM
fsr-3450	449	14	percentile	percentile	ADJ
fsr-3450	449	15	points	point	NOUN
fsr-3450	449	16	,	,	PUNCT
fsr-3450	449	17	to	to	ADP
fsr-3450	449	18	the	the	DET
fsr-3450	449	19	37th	37th	ADJ
fsr-3450	449	20	percentile	percentile	NOUN
fsr-3450	449	21	,	,	PUNCT
fsr-3450	449	22	the	the	DET
fsr-3450	449	23	interest	interest	NOUN
fsr-3450	449	24	rate	rate	NOUN
fsr-3450	449	25	would	would	AUX
fsr-3450	449	26	decline	decline	VERB
fsr-3450	449	27	to	to	ADP
fsr-3450	449	28	approximately	approximately	ADV
fsr-3450	449	29	13	13	NUM
fsr-3450	449	30	%	%	NOUN
fsr-3450	449	31	.	.	PUNCT
fsr-3450	450	1	this	this	DET
fsr-3450	450	2	results	result	NOUN
fsr-3450	450	3	in	in	ADP
fsr-3450	450	4	an	an	DET
fsr-3450	450	5	interest	interest	NOUN
fsr-3450	450	6	savings	saving	NOUN
fsr-3450	450	7	of	of	ADP
fsr-3450	450	8	2	2	NUM
fsr-3450	450	9	%	%	NOUN
fsr-3450	450	10	(	(	PUNCT
fsr-3450	450	11	15	15	NUM
fsr-3450	450	12	%	%	NOUN
fsr-3450	450	13	to	to	PART
fsr-3450	450	14	13	13	NUM
fsr-3450	450	15	%	%	NOUN
fsr-3450	450	16	=	=	SYM
fsr-3450	450	17	2	2	NUM
fsr-3450	450	18	%	%	NOUN
fsr-3450	450	19	)	)	PUNCT
fsr-3450	450	20	that	that	PRON
fsr-3450	450	21	would	would	AUX
fsr-3450	450	22	translate	translate	VERB
fsr-3450	450	23	into	into	ADP
fsr-3450	450	24	$	$	SYM
fsr-3450	450	25	300	300	NUM
fsr-3450	450	26	of	of	ADP
fsr-3450	450	27	total	total	ADJ
fsr-3450	450	28	savings	saving	NOUN
fsr-3450	450	29	on	on	ADP
fsr-3450	450	30	the	the	DET
fsr-3450	450	31	$	$	SYM
fsr-3450	450	32	15,000	15,000	NUM
fsr-3450	450	33	total	total	ADJ
fsr-3450	450	34	credit	credit	NOUN
fsr-3450	450	35	card	card	NOUN
fsr-3450	450	36	debt	debt	NOUN
fsr-3450	450	37	(	(	PUNCT
fsr-3450	450	38	$	$	SYM
fsr-3450	450	39	15,000	15,000	NUM
fsr-3450	450	40	*	*	SYM
fsr-3450	450	41	2	2	NUM
fsr-3450	450	42	%	%	NOUN
fsr-3450	450	43	=	=	NOUN
fsr-3450	450	44	$	$	SYM
fsr-3450	450	45	300	300	NUM
fsr-3450	450	46	)	)	PUNCT
fsr-3450	450	47	.	.	PUNCT
fsr-3450	451	1	if	if	SCONJ
fsr-3450	451	2	we	we	PRON
fsr-3450	451	3	divide	divide	VERB
fsr-3450	451	4	the	the	DET
fsr-3450	451	5	estimated	estimate	VERB
fsr-3450	451	6	$	$	SYM
fsr-3450	451	7	300	300	NUM
fsr-3450	451	8	in	in	ADP
fsr-3450	451	9	annual	annual	ADJ
fsr-3450	451	10	interest	interest	NOUN
fsr-3450	451	11	savings	saving	NOUN
fsr-3450	451	12	by	by	ADP
fsr-3450	451	13	the	the	DET
fsr-3450	451	14	total	total	ADJ
fsr-3450	451	15	financial	financial	ADJ
fsr-3450	451	16	assets	asset	NOUN
fsr-3450	451	17	,	,	PUNCT
fsr-3450	451	18	we	we	PRON
fsr-3450	451	19	can	can	AUX
fsr-3450	451	20	estimate	estimate	VERB
fsr-3450	451	21	the	the	DET
fsr-3450	451	22	“	"	PUNCT
fsr-3450	451	23	alpha	alpha	NOUN
fsr-3450	451	24	-	-	PUNCT
fsr-3450	451	25	equivalent	equivalent	ADJ
fsr-3450	451	26	”	"	PUNCT
fsr-3450	451	27	benefit	benefit	NOUN
fsr-3450	451	28	associated	associate	VERB
fsr-3450	451	29	with	with	ADP
fsr-3450	451	30	liability	liability	NOUN
fsr-3450	451	31	optimization	optimization	NOUN
fsr-3450	451	32	,	,	PUNCT
fsr-3450	451	33	which	which	PRON
fsr-3450	451	34	would	would	AUX
fsr-3450	451	35	be	be	AUX
fsr-3450	451	36	30	30	NUM
fsr-3450	451	37	bps	bps	NOUN
fsr-3450	451	38	(	(	PUNCT
fsr-3450	451	39	basis	basis	NOUN
fsr-3450	451	40	points	point	NOUN
fsr-3450	451	41	)	)	PUNCT
fsr-3450	451	42	in	in	ADP
fsr-3450	451	43	this	this	DET
fsr-3450	451	44	case	case	NOUN
fsr-3450	451	45	(	(	PUNCT
fsr-3450	451	46	$	$	SYM
fsr-3450	451	47	300/$100,000	300/$100,000	NUM
fsr-3450	451	48	=	=	SYM
fsr-3450	451	49	30	30	NUM
fsr-3450	451	50	bps	bps	NOUN
fsr-3450	451	51	)	)	PUNCT
fsr-3450	451	52	.	.	PUNCT
fsr-3450	452	1	we	we	PRON
fsr-3450	452	2	conduct	conduct	VERB
fsr-3450	452	3	this	this	DET
fsr-3450	452	4	analysis	analysis	NOUN
fsr-3450	452	5	for	for	ADP
fsr-3450	452	6	all	all	DET
fsr-3450	452	7	households	household	NOUN
fsr-3450	452	8	,	,	PUNCT
fsr-3450	452	9	where	where	SCONJ
fsr-3450	452	10	the	the	DET
fsr-3450	452	11	rate	rate	NOUN
fsr-3450	452	12	on	on	ADP
fsr-3450	452	13	each	each	DET
fsr-3450	452	14	loan	loan	NOUN
fsr-3450	452	15	is	be	AUX
fsr-3450	452	16	assumed	assume	VERB
fsr-3450	452	17	to	to	PART
fsr-3450	452	18	be	be	AUX
fsr-3450	452	19	reduced	reduce	VERB
fsr-3450	452	20	by	by	ADP
fsr-3450	452	21	some	some	DET
fsr-3450	452	22	percentile	percentile	ADJ
fsr-3450	452	23	level	level	NOUN
fsr-3450	452	24	,	,	PUNCT
fsr-3450	452	25	based	base	VERB
fsr-3450	452	26	on	on	ADP
fsr-3450	452	27	the	the	DET
fsr-3450	452	28	distribution	distribution	NOUN
fsr-3450	452	29	of	of	ADP
fsr-3450	452	30	loan	loan	NOUN
fsr-3450	452	31	rates	rate	NOUN
fsr-3450	452	32	in	in	ADP
fsr-3450	452	33	fig	fig	NOUN
fsr-3450	452	34	.	.	PUNCT
fsr-3450	453	1	3	3	NUM
fsr-3450	453	2	for	for	ADP
fsr-3450	453	3	the	the	DET
fsr-3450	453	4	analysis	analysis	NOUN
fsr-3450	453	5	the	the	DET
fsr-3450	453	6	lowest	low	ADJ
fsr-3450	453	7	possible	possible	ADJ
fsr-3450	453	8	rate	rate	NOUN
fsr-3450	453	9	is	be	AUX
fsr-3450	453	10	the	the	DET
fsr-3450	453	11	1st	1st	ADJ
fsr-3450	453	12	percentile	percentile	NOUN
fsr-3450	453	13	.	.	PUNCT
fsr-3450	454	1	information	information	NOUN
fsr-3450	454	2	about	about	ADP
fsr-3450	454	3	the	the	DET
fsr-3450	454	4	distribution	distribution	NOUN
fsr-3450	454	5	of	of	ADP
fsr-3450	454	6	potential	potential	ADJ
fsr-3450	454	7	dollar	dollar	NOUN
fsr-3450	454	8	savings	saving	NOUN
fsr-3450	454	9	and	and	CCONJ
fsr-3450	454	10	alpha	alpha	NOUN
fsr-3450	454	11	-	-	PUNCT
fsr-3450	454	12	equivalent	equivalent	ADJ
fsr-3450	454	13	benefit	benefit	NOUN
fsr-3450	454	14	are	be	AUX
fsr-3450	454	15	included	include	VERB
fsr-3450	454	16	in	in	ADP
fsr-3450	454	17	fig	fig	NOUN
fsr-3450	454	18	.	.	PUNCT
fsr-3450	455	1	6	6	NUM
fsr-3450	455	2	in	in	ADP
fsr-3450	455	3	panels	panel	NOUN
fsr-3450	455	4	a	a	PRON
fsr-3450	455	5	and	and	CCONJ
fsr-3450	455	6	b	b	NOUN
fsr-3450	455	7	,	,	PUNCT
fsr-3450	455	8	respectively	respectively	ADV
fsr-3450	455	9	.	.	PUNCT
fsr-3450	456	1	the	the	DET
fsr-3450	456	2	potential	potential	ADJ
fsr-3450	456	3	savings	saving	NOUN
fsr-3450	456	4	associated	associate	VERB
fsr-3450	456	5	with	with	ADP
fsr-3450	456	6	improving	improve	VERB
fsr-3450	456	7	loan	loan	NOUN
fsr-3450	456	8	rates	rate	NOUN
fsr-3450	456	9	can	can	AUX
fsr-3450	456	10	be	be	AUX
fsr-3450	456	11	significant	significant	ADJ
fsr-3450	456	12	,	,	PUNCT
fsr-3450	456	13	especially	especially	ADV
fsr-3450	456	14	for	for	ADP
fsr-3450	456	15	households	household	NOUN
fsr-3450	456	16	that	that	PRON
fsr-3450	456	17	have	have	VERB
fsr-3450	456	18	higher	high	ADJ
fsr-3450	456	19	interest	interest	NOUN
fsr-3450	456	20	percentiles	percentile	NOUN
fsr-3450	456	21	.	.	PUNCT
fsr-3450	457	1	if	if	SCONJ
fsr-3450	457	2	a	a	DET
fsr-3450	457	3	household	household	NOUN
fsr-3450	457	4	’s	’s	PART
fsr-3450	457	5	weighted	weight	VERB
fsr-3450	457	6	average	average	ADJ
fsr-3450	457	7	debt	debt	NOUN
fsr-3450	457	8	interest	interest	NOUN
fsr-3450	457	9	rate	rate	NOUN
fsr-3450	457	10	is	be	AUX
fsr-3450	457	11	currently	currently	ADV
fsr-3450	457	12	in	in	ADP
fsr-3450	457	13	the	the	DET
fsr-3450	457	14	95th	95th	ADJ
fsr-3450	457	15	percentile	percentile	NOUN
fsr-3450	457	16	,	,	PUNCT
fsr-3450	457	17	a	a	DET
fsr-3450	457	18	five	five	NUM
fsr-3450	457	19	-	-	PUNCT
fsr-3450	457	20	percentile	percentile	ADJ
fsr-3450	457	21	drop	drop	NOUN
fsr-3450	457	22	could	could	AUX
fsr-3450	457	23	generate	generate	VERB
fsr-3450	457	24	113.5	113.5	NUM
fsr-3450	457	25	%	%	NOUN
fsr-3450	457	26	equivalent	equivalent	ADJ
fsr-3450	457	27	alpha	alpha	NOUN
fsr-3450	457	28	,	,	PUNCT
fsr-3450	457	29	or	or	CCONJ
fsr-3450	457	30	$	$	SYM
fsr-3450	457	31	1,641	1,641	NUM
fsr-3450	457	32	in	in	ADP
fsr-3450	457	33	annual	annual	ADJ
fsr-3450	457	34	savings	saving	NOUN
fsr-3450	457	35	.	.	PUNCT
fsr-3450	458	1	if	if	SCONJ
fsr-3450	458	2	these	these	DET
fsr-3450	458	3	households	household	NOUN
fsr-3450	458	4	achieve	achieve	VERB
fsr-3450	458	5	a	a	DET
fsr-3450	458	6	10	10	NUM
fsr-3450	458	7	-	-	PUNCT
fsr-3450	458	8	percentile	percentile	ADJ
fsr-3450	458	9	reduction	reduction	NOUN
fsr-3450	458	10	in	in	ADP
fsr-3450	458	11	loan	loan	NOUN
fsr-3450	458	12	rates	rate	NOUN
fsr-3450	458	13	,	,	PUNCT
fsr-3450	458	14	the	the	DET
fsr-3450	458	15	total	total	ADJ
fsr-3450	458	16	savings	saving	NOUN
fsr-3450	458	17	would	would	AUX
fsr-3450	458	18	be	be	AUX
fsr-3450	458	19	$	$	SYM
fsr-3450	458	20	2,614	2,614	NUM
fsr-3450	458	21	,	,	PUNCT
fsr-3450	458	22	which	which	PRON
fsr-3450	458	23	is	be	AUX
fsr-3450	458	24	equivalent	equivalent	ADJ
fsr-3450	458	25	to	to	ADP
fsr-3450	458	26	237.5	237.5	NUM
fsr-3450	458	27	%	%	NOUN
fsr-3450	458	28	of	of	ADP
fsr-3450	458	29	investment	investment	NOUN
fsr-3450	458	30	alpha	alpha	NOUN
fsr-3450	458	31	.	.	PUNCT
fsr-3450	459	1	even	even	ADV
fsr-3450	459	2	the	the	DET
fsr-3450	459	3	median	median	ADJ
fsr-3450	459	4	household	household	NOUN
fsr-3450	459	5	stands	stand	VERB
fsr-3450	459	6	to	to	PART
fsr-3450	459	7	benefit	benefit	VERB
fsr-3450	459	8	from	from	ADP
fsr-3450	459	9	even	even	ADV
fsr-3450	459	10	modest	modest	ADJ
fsr-3450	459	11	improvements	improvement	NOUN
fsr-3450	459	12	.	.	PUNCT
fsr-3450	460	1	for	for	ADP
fsr-3450	460	2	example	example	NOUN
fsr-3450	460	3	,	,	PUNCT
fsr-3450	460	4	the	the	DET
fsr-3450	460	5	median	median	ADJ
fsr-3450	460	6	households	household	NOUN
fsr-3450	460	7	would	would	AUX
fsr-3450	460	8	on	on	ADP
fsr-3450	460	9	average	average	ADJ
fsr-3450	460	10	save	save	VERB
fsr-3450	460	11	$	$	SYM
fsr-3450	460	12	410	410	NUM
fsr-3450	460	13	if	if	SCONJ
fsr-3450	460	14	they	they	PRON
fsr-3450	460	15	were	be	AUX
fsr-3450	460	16	able	able	ADJ
fsr-3450	460	17	to	to	PART
fsr-3450	460	18	reduce	reduce	VERB
fsr-3450	460	19	their	their	PRON
fsr-3450	460	20	weighted	weight	VERB
fsr-3450	460	21	average	average	ADJ
fsr-3450	460	22	loan	loan	NOUN
fsr-3450	460	23	rates	rate	NOUN
fsr-3450	460	24	by	by	ADP
fsr-3450	460	25	10	10	NUM
fsr-3450	460	26	percentile	percentile	ADJ
fsr-3450	460	27	points	point	NOUN
fsr-3450	460	28	,	,	PUNCT
fsr-3450	460	29	which	which	PRON
fsr-3450	460	30	is	be	AUX
fsr-3450	460	31	equivalent	equivalent	ADJ
fsr-3450	460	32	to	to	ADP
fsr-3450	460	33	a	a	DET
fsr-3450	460	34	195	195	NUM
fsr-3450	460	35	bps	bps	NOUN
fsr-3450	460	36	of	of	ADP
fsr-3450	460	37	investment	investment	NOUN
fsr-3450	460	38	alpha	alpha	NOUN
fsr-3450	460	39	.	.	PUNCT
fsr-3450	461	1	this	this	PRON
fsr-3450	461	2	suggests	suggest	VERB
fsr-3450	461	3	that	that	SCONJ
fsr-3450	461	4	,	,	PUNCT
fsr-3450	461	5	for	for	ADP
fsr-3450	461	6	many	many	ADJ
fsr-3450	461	7	households	household	NOUN
fsr-3450	461	8	,	,	PUNCT
fsr-3450	461	9	making	make	VERB
fsr-3450	461	10	efforts	effort	NOUN
fsr-3450	461	11	to	to	PART
fsr-3450	461	12	reduce	reduce	VERB
fsr-3450	461	13	the	the	DET
fsr-3450	461	14	interest	interest	NOUN
fsr-3450	461	15	rates	rate	NOUN
fsr-3450	461	16	on	on	ADP
fsr-3450	461	17	their	their	PRON
fsr-3450	461	18	liabilities	liability	NOUN
fsr-3450	461	19	is	be	AUX
fsr-3450	461	20	more	more	ADV
fsr-3450	461	21	likely	likely	ADJ
fsr-3450	461	22	to	to	PART
fsr-3450	461	23	result	result	VERB
fsr-3450	461	24	in	in	ADP
fsr-3450	461	25	wealth	wealth	NOUN
fsr-3450	461	26	gains	gain	NOUN
fsr-3450	461	27	than	than	ADP
fsr-3450	461	28	attempting	attempt	VERB
fsr-3450	461	29	to	to	PART
fsr-3450	461	30	construct	construct	VERB
fsr-3450	461	31	portfolios	portfolio	NOUN
fsr-3450	461	32	that	that	PRON
fsr-3450	461	33	might	might	AUX
fsr-3450	461	34	outperform	outperform	VERB
fsr-3450	461	35	the	the	DET
fsr-3450	461	36	market	market	NOUN
fsr-3450	461	37	.	.	PUNCT
fsr-3450	462	1	notice	notice	VERB
fsr-3450	462	2	that	that	SCONJ
fsr-3450	462	3	when	when	SCONJ
fsr-3450	462	4	calculating	calculate	VERB
fsr-3450	462	5	the	the	DET
fsr-3450	462	6	potential	potential	ADJ
fsr-3450	462	7	savings	saving	NOUN
fsr-3450	462	8	on	on	ADP
fsr-3450	462	9	interest	interest	NOUN
fsr-3450	462	10	rate	rate	NOUN
fsr-3450	462	11	reductions	reduction	NOUN
fsr-3450	462	12	,	,	PUNCT
fsr-3450	462	13	we	we	PRON
fsr-3450	462	14	use	use	VERB
fsr-3450	462	15	the	the	DET
fsr-3450	462	16	weighted	weighted	ADJ
fsr-3450	462	17	average	average	ADJ
fsr-3450	462	18	interest	interest	NOUN
fsr-3450	462	19	rate	rate	NOUN
fsr-3450	462	20	in	in	ADP
fsr-3450	462	21	the	the	DET
fsr-3450	462	22	discussion	discussion	NOUN
fsr-3450	462	23	.	.	PUNCT
fsr-3450	463	1	lowering	lower	VERB
fsr-3450	463	2	the	the	DET
fsr-3450	463	3	household	household	NOUN
fsr-3450	463	4	average	average	ADJ
fsr-3450	463	5	interest	interest	NOUN
fsr-3450	463	6	rate	rate	NOUN
fsr-3450	463	7	may	may	AUX
fsr-3450	463	8	be	be	AUX
fsr-3450	463	9	achieved	achieve	VERB
fsr-3450	463	10	in	in	ADP
fsr-3450	463	11	two	two	NUM
fsr-3450	463	12	different	different	ADJ
fsr-3450	463	13	ways	way	NOUN
fsr-3450	463	14	.	.	PUNCT
fsr-3450	464	1	first	first	ADV
fsr-3450	464	2	,	,	PUNCT
fsr-3450	464	3	households	household	NOUN
fsr-3450	464	4	can	can	AUX
fsr-3450	464	5	make	make	VERB
fsr-3450	464	6	more	more	ADJ
fsr-3450	464	7	efforts	effort	NOUN
fsr-3450	464	8	on	on	ADP
fsr-3450	464	9	interest	interest	NOUN
fsr-3450	464	10	rate	rate	NOUN
fsr-3450	464	11	shopping	shopping	NOUN
fsr-3450	464	12	and	and	CCONJ
fsr-3450	464	13	negotiate	negotiate	VERB
fsr-3450	464	14	lower	low	ADJ
fsr-3450	464	15	interest	interest	NOUN
fsr-3450	464	16	rate	rate	NOUN
fsr-3450	464	17	on	on	ADP
fsr-3450	464	18	their	their	PRON
fsr-3450	464	19	loans	loan	NOUN
fsr-3450	464	20	,	,	PUNCT
fsr-3450	464	21	if	if	SCONJ
fsr-3450	464	22	possible	possible	ADJ
fsr-3450	464	23	.	.	PUNCT
fsr-3450	465	1	second	second	ADJ
fsr-3450	465	2	,	,	PUNCT
fsr-3450	465	3	even	even	ADV
fsr-3450	465	4	if	if	SCONJ
fsr-3450	465	5	directly	directly	ADV
fsr-3450	465	6	lowering	lower	VERB
fsr-3450	465	7	interest	interest	NOUN
fsr-3450	465	8	rates	rate	NOUN
fsr-3450	465	9	is	be	AUX
fsr-3450	465	10	not	not	PART
fsr-3450	465	11	feasible	feasible	ADJ
fsr-3450	465	12	,	,	PUNCT
fsr-3450	465	13	the	the	DET
fsr-3450	465	14	weighted	weighted	ADJ
fsr-3450	465	15	average	average	ADJ
fsr-3450	465	16	interest	interest	NOUN
fsr-3450	465	17	rate	rate	NOUN
fsr-3450	465	18	can	can	AUX
fsr-3450	465	19	still	still	ADV
fsr-3450	465	20	be	be	AUX
fsr-3450	465	21	reduced	reduce	VERB
fsr-3450	465	22	through	through	ADP
fsr-3450	465	23	debt	debt	NOUN
fsr-3450	465	24	restructuring	restructuring	NOUN
fsr-3450	465	25	.	.	PUNCT
fsr-3450	466	1	households	household	NOUN
fsr-3450	466	2	can	can	AUX
fsr-3450	466	3	substitute	substitute	VERB
fsr-3450	466	4	a	a	DET
fsr-3450	466	5	higher	high	ADJ
fsr-3450	466	6	interest	interest	NOUN
fsr-3450	466	7	loan	loan	NOUN
fsr-3450	466	8	with	with	ADP
fsr-3450	466	9	lower	low	ADJ
fsr-3450	466	10	interest	interest	NOUN
fsr-3450	466	11	borrowings	borrowing	NOUN
fsr-3450	466	12	to	to	PART
fsr-3450	466	13	achieve	achieve	VERB
fsr-3450	466	14	the	the	DET
fsr-3450	466	15	reductions	reduction	NOUN
fsr-3450	466	16	of	of	ADP
fsr-3450	466	17	overall	overall	ADJ
fsr-3450	466	18	weighted	weighted	ADJ
fsr-3450	466	19	average	average	ADJ
fsr-3450	466	20	interest	interest	NOUN
fsr-3450	466	21	rates	rate	NOUN
fsr-3450	466	22	.	.	PUNCT
fsr-3450	467	1	(	(	PUNCT
fsr-3450	467	2	for	for	ADP
fsr-3450	467	3	example	example	NOUN
fsr-3450	467	4	,	,	PUNCT
fsr-3450	467	5	consider	consider	VERB
fsr-3450	467	6	a	a	DET
fsr-3450	467	7	household	household	NOUN
fsr-3450	467	8	with	with	ADP
fsr-3450	467	9	a	a	DET
fsr-3450	467	10	large	large	ADJ
fsr-3450	467	11	revolving	revolve	VERB
fsr-3450	467	12	balance	balance	NOUN
fsr-3450	467	13	on	on	ADP
fsr-3450	467	14	credit	credit	NOUN
fsr-3450	467	15	card	card	NOUN
fsr-3450	467	16	loans	loan	NOUN
fsr-3450	467	17	who	who	PRON
fsr-3450	467	18	can	can	AUX
fsr-3450	467	19	not	not	PART
fsr-3450	467	20	reduce	reduce	VERB
fsr-3450	467	21	the	the	DET
fsr-3450	467	22	total	total	ADJ
fsr-3450	467	23	amount	amount	NOUN
fsr-3450	467	24	of	of	ADP
fsr-3450	467	25	household	household	NOUN
fsr-3450	467	26	debt	debt	NOUN
fsr-3450	467	27	.	.	PUNCT
fsr-3450	468	1	this	this	DET
fsr-3450	468	2	household	household	NOUN
fsr-3450	468	3	could	could	AUX
fsr-3450	468	4	still	still	ADV
fsr-3450	468	5	potentially	potentially	ADV
fsr-3450	468	6	136	136	NUM
fsr-3450	468	7	z.	z.	PROPN
fsr-3450	468	8	liu	liu	PROPN
fsr-3450	468	9	and	and	CCONJ
fsr-3450	468	10	d.	d.	PROPN
fsr-3450	468	11	m.	m.	PROPN
fsr-3450	468	12	blanchett	blanchett	PROPN
fsr-3450	468	13	/	/	SYM
fsr-3450	468	14	financial	financial	ADJ
fsr-3450	468	15	services	service	NOUN
fsr-3450	468	16	review	review	VERB
fsr-3450	468	17	29	29	NUM
fsr-3450	468	18	(	(	PUNCT
fsr-3450	468	19	2021	2021	NUM
fsr-3450	468	20	)	)	PUNCT
fsr-3450	469	1	121–145	121–145	NUM
fsr-3450	469	2	pay	pay	VERB
fsr-3450	469	3	off	off	ADP
fsr-3450	469	4	this	this	DET
fsr-3450	469	5	high	high	ADJ
fsr-3450	469	6	interest	interest	NOUN
fsr-3450	469	7	rate	rate	NOUN
fsr-3450	469	8	credit	credit	NOUN
fsr-3450	469	9	card	card	NOUN
fsr-3450	469	10	loan	loan	NOUN
fsr-3450	469	11	with	with	ADP
fsr-3450	469	12	low	low	ADJ
fsr-3450	469	13	-	-	PUNCT
fsr-3450	469	14	interest	interest	NOUN
fsr-3450	469	15	secured	secure	VERB
fsr-3450	469	16	-	-	PUNCT
fsr-3450	469	17	personal	personal	ADJ
fsr-3450	469	18	loans	loan	NOUN
fsr-3450	469	19	or	or	CCONJ
fsr-3450	469	20	some	some	DET
fsr-3450	469	21	other	other	ADJ
fsr-3450	469	22	type	type	NOUN
fsr-3450	469	23	of	of	ADP
fsr-3450	469	24	loan	loan	NOUN
fsr-3450	469	25	.	.	PUNCT
fsr-3450	470	1	by	by	ADP
fsr-3450	470	2	doing	do	VERB
fsr-3450	470	3	so	so	ADV
fsr-3450	470	4	,	,	PUNCT
fsr-3450	470	5	the	the	DET
fsr-3450	470	6	average	average	ADJ
fsr-3450	470	7	interest	interest	NOUN
fsr-3450	470	8	rate	rate	NOUN
fsr-3450	470	9	of	of	ADP
fsr-3450	470	10	this	this	DET
fsr-3450	470	11	household	household	NOUN
fsr-3450	470	12	could	could	AUX
fsr-3450	470	13	be	be	AUX
fsr-3450	470	14	reduced	reduce	VERB
fsr-3450	470	15	,	,	PUNCT
fsr-3450	470	16	potentially	potentially	ADV
fsr-3450	470	17	significantly	significantly	ADV
fsr-3450	470	18	.	.	PUNCT
fsr-3450	470	19	)	)	PUNCT
fsr-3450	471	1	the	the	DET
fsr-3450	471	2	analyses	analysis	NOUN
fsr-3450	471	3	above	above	ADV
fsr-3450	471	4	reveal	reveal	VERB
fsr-3450	471	5	the	the	DET
fsr-3450	471	6	significant	significant	ADJ
fsr-3450	471	7	potential	potential	ADJ
fsr-3450	471	8	benefits	benefit	NOUN
fsr-3450	471	9	of	of	ADP
fsr-3450	471	10	liability	liability	NOUN
fsr-3450	471	11	management	management	NOUN
fsr-3450	471	12	and	and	CCONJ
fsr-3450	471	13	point	point	VERB
fsr-3450	471	14	out	out	ADP
fsr-3450	471	15	the	the	DET
fsr-3450	471	16	characteristics	characteristic	NOUN
fsr-3450	471	17	that	that	PRON
fsr-3450	471	18	are	be	AUX
fsr-3450	471	19	associated	associate	VERB
fsr-3450	471	20	with	with	ADP
fsr-3450	471	21	different	different	ADJ
fsr-3450	471	22	households	household	NOUN
fsr-3450	471	23	’	'	PUNCT
fsr-3450	471	24	debt	debt	NOUN
fsr-3450	471	25	problems	problem	NOUN
fsr-3450	471	26	.	.	PUNCT
fsr-3450	472	1	financial	financial	ADJ
fsr-3450	472	2	planning	planning	NOUN
fsr-3450	472	3	practitioners	practitioner	NOUN
fsr-3450	472	4	and	and	CCONJ
fsr-3450	472	5	financial	financial	ADJ
fsr-3450	472	6	institutions	institution	NOUN
fsr-3450	472	7	can	can	AUX
fsr-3450	472	8	benefit	benefit	VERB
fsr-3450	472	9	from	from	ADP
fsr-3450	472	10	this	this	DET
fsr-3450	472	11	research	research	NOUN
fsr-3450	472	12	not	not	PART
fsr-3450	472	13	only	only	ADV
fsr-3450	472	14	by	by	ADP
fsr-3450	472	15	recognizing	recognize	VERB
fsr-3450	472	16	the	the	DET
fsr-3450	472	17	potential	potential	ADJ
fsr-3450	472	18	benefits	benefit	NOUN
fsr-3450	472	19	of	of	ADP
fsr-3450	472	20	liability	liability	NOUN
fsr-3450	472	21	management	management	NOUN
fsr-3450	472	22	for	for	ADP
fsr-3450	472	23	lowto	lowto	NOUN
fsr-3450	472	24	-	-	PUNCT
fsr-3450	472	25	affluent	affluent	ADJ
fsr-3450	472	26	american	american	ADJ
fsr-3450	472	27	families	family	NOUN
fsr-3450	472	28	,	,	PUNCT
fsr-3450	472	29	but	but	CCONJ
fsr-3450	472	30	also	also	ADV
fsr-3450	472	31	by	by	ADP
fsr-3450	472	32	identifying	identify	VERB
fsr-3450	472	33	the	the	DET
fsr-3450	472	34	attributes	attribute	NOUN
fsr-3450	472	35	associated	associate	VERB
fsr-3450	472	36	with	with	ADP
fsr-3450	472	37	those	those	DET
fsr-3450	472	38	fig	fig	NOUN
fsr-3450	472	39	.	.	PUNCT
fsr-3450	473	1	6	6	NUM
fsr-3450	473	2	.	.	X
fsr-3450	473	3	benefit	benefit	NOUN
fsr-3450	473	4	of	of	ADP
fsr-3450	473	5	reducing	reduce	VERB
fsr-3450	473	6	interest	interest	NOUN
fsr-3450	473	7	rates	rate	NOUN
fsr-3450	473	8	on	on	ADP
fsr-3450	473	9	debt	debt	NOUN
fsr-3450	473	10	.	.	PUNCT
fsr-3450	474	1	source	source	NOUN
fsr-3450	474	2	:	:	PUNCT
fsr-3450	474	3	federal	federal	PROPN
fsr-3450	474	4	reserve	reserve	PROPN
fsr-3450	474	5	board	board	PROPN
fsr-3450	474	6	survey	survey	NOUN
fsr-3450	474	7	of	of	ADP
fsr-3450	474	8	consumer	consumer	NOUN
fsr-3450	474	9	finances	finance	NOUN
fsr-3450	474	10	(	(	PUNCT
fsr-3450	474	11	scf	scf	PROPN
fsr-3450	474	12	)	)	PUNCT
fsr-3450	474	13	2016	2016	NUM
fsr-3450	474	14	survey	survey	NOUN
fsr-3450	474	15	wave	wave	NOUN
fsr-3450	474	16	.	.	PUNCT
fsr-3450	475	1	notes	note	NOUN
fsr-3450	475	2	:	:	PUNCT
fsr-3450	475	3	the	the	DET
fsr-3450	475	4	subsample	subsample	NOUN
fsr-3450	475	5	is	be	AUX
fsr-3450	475	6	restricted	restrict	VERB
fsr-3450	475	7	to	to	ADP
fsr-3450	475	8	households	household	NOUN
fsr-3450	475	9	that	that	PRON
fsr-3450	475	10	carry	carry	VERB
fsr-3450	475	11	loans	loan	NOUN
fsr-3450	475	12	,	,	PUNCT
fsr-3450	475	13	reported	report	VERB
fsr-3450	475	14	complete	complete	ADJ
fsr-3450	475	15	data	datum	NOUN
fsr-3450	475	16	on	on	ADP
fsr-3450	475	17	all	all	DET
fsr-3450	475	18	loan	loan	NOUN
fsr-3450	475	19	types	type	NOUN
fsr-3450	475	20	,	,	PUNCT
fsr-3450	475	21	and	and	CCONJ
fsr-3450	475	22	have	have	VERB
fsr-3450	475	23	more	more	ADJ
fsr-3450	475	24	than	than	ADP
fsr-3450	475	25	$	$	SYM
fsr-3450	475	26	1	1	NUM
fsr-3450	475	27	in	in	ADP
fsr-3450	475	28	financial	financial	ADJ
fsr-3450	475	29	assets	asset	NOUN
fsr-3450	475	30	.	.	PUNCT
fsr-3450	476	1	the	the	DET
fsr-3450	476	2	number	number	NOUN
fsr-3450	476	3	of	of	ADP
fsr-3450	476	4	observations	observation	NOUN
fsr-3450	476	5	is	be	AUX
fsr-3450	476	6	3,371	3,371	NUM
fsr-3450	476	7	.	.	PUNCT
fsr-3450	477	1	the	the	DET
fsr-3450	477	2	2016	2016	NUM
fsr-3450	477	3	scf	scf	PROPN
fsr-3450	477	4	sample	sample	NOUN
fsr-3450	477	5	weights	weight	NOUN
fsr-3450	477	6	were	be	AUX
fsr-3450	477	7	applied	apply	VERB
fsr-3450	477	8	.	.	PUNCT
fsr-3450	478	1	z.	z.	PROPN
fsr-3450	478	2	liu	liu	PROPN
fsr-3450	478	3	and	and	CCONJ
fsr-3450	478	4	d.	d.	PROPN
fsr-3450	478	5	m.	m.	PROPN
fsr-3450	478	6	blanchett	blanchett	PROPN
fsr-3450	478	7	/	/	SYM
fsr-3450	478	8	financial	financial	ADJ
fsr-3450	478	9	services	service	NOUN
fsr-3450	478	10	review	review	VERB
fsr-3450	478	11	29	29	NUM
fsr-3450	478	12	(	(	PUNCT
fsr-3450	478	13	2021	2021	NUM
fsr-3450	478	14	)	)	PUNCT
fsr-3450	479	1	121–145	121–145	NUM
fsr-3450	479	2	137	137	NUM
fsr-3450	479	3	households	household	NOUN
fsr-3450	479	4	that	that	PRON
fsr-3450	479	5	most	most	ADJ
fsr-3450	479	6	need	need	VERB
fsr-3450	479	7	debt	debt	NOUN
fsr-3450	479	8	assistance	assistance	NOUN
fsr-3450	479	9	.	.	PUNCT
fsr-3450	480	1	this	this	DET
fsr-3450	480	2	study	study	NOUN
fsr-3450	480	3	can	can	AUX
fsr-3450	480	4	also	also	ADV
fsr-3450	480	5	encourage	encourage	VERB
fsr-3450	480	6	consumers	consumer	NOUN
fsr-3450	480	7	to	to	PART
fsr-3450	480	8	seek	seek	VERB
fsr-3450	480	9	for	for	ADP
fsr-3450	480	10	an	an	DET
fsr-3450	480	11	integrated	integrated	ADJ
fsr-3450	480	12	approach	approach	NOUN
fsr-3450	480	13	to	to	ADP
fsr-3450	480	14	making	make	VERB
fsr-3450	480	15	decisions	decision	NOUN
fsr-3450	480	16	about	about	ADP
fsr-3450	480	17	their	their	PRON
fsr-3450	480	18	marginal	marginal	ADJ
fsr-3450	480	19	income	income	NOUN
fsr-3450	480	20	and	and	CCONJ
fsr-3450	480	21	benefit	benefit	VERB
fsr-3450	480	22	significantly	significantly	ADV
fsr-3450	480	23	from	from	ADP
fsr-3450	480	24	analyzing	analyze	VERB
fsr-3450	480	25	both	both	DET
fsr-3450	480	26	sides	side	NOUN
fsr-3450	480	27	of	of	ADP
fsr-3450	480	28	their	their	PRON
fsr-3450	480	29	balance	balance	NOUN
fsr-3450	480	30	sheet	sheet	NOUN
fsr-3450	480	31	extensively	extensively	ADV
fsr-3450	480	32	and	and	CCONJ
fsr-3450	480	33	regularly.11	regularly.11	ADJ
fsr-3450	480	34	6	6	NUM
fsr-3450	480	35	.	.	PUNCT
fsr-3450	480	36	conclusion	conclusion	NOUN
fsr-3450	480	37	and	and	CCONJ
fsr-3450	480	38	implications	implication	NOUN
fsr-3450	480	39	debt	debt	NOUN
fsr-3450	480	40	is	be	AUX
fsr-3450	480	41	a	a	DET
fsr-3450	480	42	significant	significant	ADJ
fsr-3450	480	43	and	and	CCONJ
fsr-3450	480	44	growing	grow	VERB
fsr-3450	480	45	component	component	NOUN
fsr-3450	480	46	of	of	ADP
fsr-3450	480	47	u.s	u.s	PROPN
fsr-3450	480	48	.	.	PROPN
fsr-3450	480	49	household	household	NOUN
fsr-3450	480	50	balance	balance	NOUN
fsr-3450	480	51	sheets	sheet	NOUN
fsr-3450	480	52	.	.	PUNCT
fsr-3450	481	1	with	with	ADP
fsr-3450	481	2	total	total	ADJ
fsr-3450	481	3	interest	interest	NOUN
fsr-3450	481	4	rate	rate	NOUN
fsr-3450	481	5	payments	payment	NOUN
fsr-3450	481	6	on	on	ADP
fsr-3450	481	7	loans	loan	NOUN
fsr-3450	481	8	exceeding	exceed	VERB
fsr-3450	481	9	the	the	DET
fsr-3450	481	10	expected	expect	VERB
fsr-3450	481	11	returns	return	NOUN
fsr-3450	481	12	on	on	ADP
fsr-3450	481	13	household	household	NOUN
fsr-3450	481	14	financial	financial	ADJ
fsr-3450	481	15	assets	asset	NOUN
fsr-3450	481	16	for	for	ADP
fsr-3450	481	17	the	the	DET
fsr-3450	481	18	average	average	ADJ
fsr-3450	481	19	household	household	NOUN
fsr-3450	481	20	,	,	PUNCT
fsr-3450	481	21	the	the	DET
fsr-3450	481	22	impact	impact	NOUN
fsr-3450	481	23	of	of	ADP
fsr-3450	481	24	liability	liability	NOUN
fsr-3450	481	25	optimization	optimization	NOUN
fsr-3450	481	26	should	should	AUX
fsr-3450	481	27	draw	draw	VERB
fsr-3450	481	28	more	more	ADJ
fsr-3450	481	29	focus	focus	NOUN
fsr-3450	481	30	from	from	ADP
fsr-3450	481	31	financial	financial	ADJ
fsr-3450	481	32	advisors	advisor	NOUN
fsr-3450	481	33	,	,	PUNCT
fsr-3450	481	34	financial	financial	ADJ
fsr-3450	481	35	firms	firm	NOUN
fsr-3450	481	36	,	,	PUNCT
fsr-3450	481	37	and	and	CCONJ
fsr-3450	481	38	consumers	consumer	NOUN
fsr-3450	481	39	.	.	PUNCT
fsr-3450	482	1	in	in	ADP
fsr-3450	482	2	this	this	DET
fsr-3450	482	3	study	study	NOUN
fsr-3450	482	4	,	,	PUNCT
fsr-3450	482	5	we	we	PRON
fsr-3450	482	6	first	first	ADV
fsr-3450	482	7	reviewed	review	VERB
fsr-3450	482	8	american	american	ADJ
fsr-3450	482	9	families	family	NOUN
fsr-3450	482	10	’	’	PART
fsr-3450	482	11	current	current	ADJ
fsr-3450	482	12	financial	financial	ADJ
fsr-3450	482	13	outlook	outlook	NOUN
fsr-3450	482	14	by	by	ADP
fsr-3450	482	15	looking	look	VERB
fsr-3450	482	16	at	at	ADP
fsr-3450	482	17	their	their	PRON
fsr-3450	482	18	debt	debt	NOUN
fsr-3450	482	19	situations	situation	NOUN
fsr-3450	482	20	.	.	PUNCT
fsr-3450	483	1	using	use	VERB
fsr-3450	483	2	the	the	DET
fsr-3450	483	3	scf	scf	PROPN
fsr-3450	483	4	data	datum	NOUN
fsr-3450	483	5	,	,	PUNCT
fsr-3450	483	6	we	we	PRON
fsr-3450	483	7	then	then	ADV
fsr-3450	483	8	analyzed	analyze	VERB
fsr-3450	483	9	the	the	DET
fsr-3450	483	10	different	different	ADJ
fsr-3450	483	11	economic	economic	ADJ
fsr-3450	483	12	,	,	PUNCT
fsr-3450	483	13	demographic	demographic	ADJ
fsr-3450	483	14	,	,	PUNCT
fsr-3450	483	15	and	and	CCONJ
fsr-3450	483	16	behavioral	behavioral	ADJ
fsr-3450	483	17	factors	factor	NOUN
fsr-3450	483	18	that	that	PRON
fsr-3450	483	19	are	be	AUX
fsr-3450	483	20	associated	associate	VERB
fsr-3450	483	21	with	with	ADP
fsr-3450	483	22	household	household	NOUN
fsr-3450	483	23	borrowing	borrowing	NOUN
fsr-3450	483	24	and	and	CCONJ
fsr-3450	483	25	leverage	leverage	NOUN
fsr-3450	483	26	ratios	ratio	NOUN
fsr-3450	483	27	.	.	PUNCT
fsr-3450	484	1	next	next	ADV
fsr-3450	484	2	,	,	PUNCT
fsr-3450	484	3	we	we	PRON
fsr-3450	484	4	separated	separate	VERB
fsr-3450	484	5	the	the	DET
fsr-3450	484	6	good	good	ADJ
fsr-3450	484	7	and	and	CCONJ
fsr-3450	484	8	bad	bad	ADJ
fsr-3450	484	9	debts	debt	NOUN
fsr-3450	484	10	and	and	CCONJ
fsr-3450	484	11	investigated	investigate	VERB
fsr-3450	484	12	whether	whether	SCONJ
fsr-3450	484	13	the	the	DET
fsr-3450	484	14	attributes	attribute	NOUN
fsr-3450	484	15	related	relate	VERB
fsr-3450	484	16	to	to	ADP
fsr-3450	484	17	different	different	ADJ
fsr-3450	484	18	debt	debt	NOUN
fsr-3450	484	19	categories	category	NOUN
fsr-3450	484	20	are	be	AUX
fsr-3450	484	21	similar	similar	ADJ
fsr-3450	484	22	.	.	PUNCT
fsr-3450	485	1	after	after	ADP
fsr-3450	485	2	checking	check	VERB
fsr-3450	485	3	the	the	DET
fsr-3450	485	4	characteristics	characteristic	NOUN
fsr-3450	485	5	demonstrated	demonstrate	VERB
fsr-3450	485	6	by	by	ADP
fsr-3450	485	7	the	the	DET
fsr-3450	485	8	households	household	NOUN
fsr-3450	485	9	that	that	PRON
fsr-3450	485	10	carry	carry	VERB
fsr-3450	485	11	high	high	ADJ
fsr-3450	485	12	-	-	PUNCT
fsr-3450	485	13	interest	interest	NOUN
fsr-3450	485	14	debts	debt	NOUN
fsr-3450	485	15	,	,	PUNCT
fsr-3450	485	16	we	we	PRON
fsr-3450	485	17	performed	perform	VERB
fsr-3450	485	18	alpha	alpha	NOUN
fsr-3450	485	19	-	-	PUNCT
fsr-3450	485	20	equivalent	equivalent	ADJ
fsr-3450	485	21	analyses	analysis	NOUN
fsr-3450	485	22	to	to	PART
fsr-3450	485	23	calculate	calculate	VERB
fsr-3450	485	24	the	the	DET
fsr-3450	485	25	potential	potential	ADJ
fsr-3450	485	26	benefits	benefit	NOUN
fsr-3450	485	27	of	of	ADP
fsr-3450	485	28	liability	liability	NOUN
fsr-3450	485	29	management	management	NOUN
fsr-3450	485	30	.	.	PUNCT
fsr-3450	486	1	our	our	PRON
fsr-3450	486	2	study	study	NOUN
fsr-3450	486	3	indicates	indicate	VERB
fsr-3450	486	4	that	that	SCONJ
fsr-3450	486	5	households	household	NOUN
fsr-3450	486	6	with	with	ADP
fsr-3450	486	7	lower	low	ADJ
fsr-3450	486	8	assets	asset	NOUN
fsr-3450	486	9	,	,	PUNCT
fsr-3450	486	10	income	income	NOUN
fsr-3450	486	11	,	,	PUNCT
fsr-3450	486	12	and	and	CCONJ
fsr-3450	486	13	education	education	NOUN
fsr-3450	486	14	levels	level	NOUN
fsr-3450	486	15	need	need	VERB
fsr-3450	486	16	assistance	assistance	NOUN
fsr-3450	486	17	the	the	DET
fsr-3450	486	18	most	most	ADJ
fsr-3450	486	19	and	and	CCONJ
fsr-3450	486	20	could	could	AUX
fsr-3450	486	21	significantly	significantly	ADV
fsr-3450	486	22	benefit	benefit	VERB
fsr-3450	486	23	from	from	ADP
fsr-3450	486	24	debt	debt	NOUN
fsr-3450	486	25	management	management	NOUN
fsr-3450	486	26	.	.	PUNCT
fsr-3450	487	1	households	household	NOUN
fsr-3450	487	2	’	'	PUNCT
fsr-3450	487	3	time	time	NOUN
fsr-3450	487	4	discounting	discount	VERB
fsr-3450	487	5	preferences	preference	NOUN
fsr-3450	487	6	also	also	ADV
fsr-3450	487	7	play	play	VERB
fsr-3450	487	8	an	an	DET
fsr-3450	487	9	important	important	ADJ
fsr-3450	487	10	role	role	NOUN
fsr-3450	487	11	in	in	ADP
fsr-3450	487	12	their	their	PRON
fsr-3450	487	13	borrowing	borrowing	NOUN
fsr-3450	487	14	decisions	decision	NOUN
fsr-3450	487	15	.	.	PUNCT
fsr-3450	488	1	families	family	NOUN
fsr-3450	488	2	with	with	ADP
fsr-3450	488	3	longer	long	ADJ
fsr-3450	488	4	financial	financial	ADJ
fsr-3450	488	5	planning	planning	NOUN
fsr-3450	488	6	horizons	horizon	NOUN
fsr-3450	488	7	are	be	AUX
fsr-3450	488	8	less	less	ADV
fsr-3450	488	9	likely	likely	ADJ
fsr-3450	488	10	to	to	PART
fsr-3450	488	11	carry	carry	VERB
fsr-3450	488	12	loans	loan	NOUN
fsr-3450	488	13	.	.	PUNCT
fsr-3450	489	1	among	among	ADP
fsr-3450	489	2	the	the	DET
fsr-3450	489	3	borrowers	borrower	NOUN
fsr-3450	489	4	,	,	PUNCT
fsr-3450	489	5	a	a	DET
fsr-3450	489	6	shorter	short	ADJ
fsr-3450	489	7	financial	financial	ADJ
fsr-3450	489	8	planning	planning	NOUN
fsr-3450	489	9	horizon	horizon	NOUN
fsr-3450	489	10	is	be	AUX
fsr-3450	489	11	usually	usually	ADV
fsr-3450	489	12	an	an	DET
fsr-3450	489	13	indicator	indicator	NOUN
fsr-3450	489	14	of	of	ADP
fsr-3450	489	15	a	a	DET
fsr-3450	489	16	higher	high	ADJ
fsr-3450	489	17	debt	debt	NOUN
fsr-3450	489	18	amount	amount	NOUN
fsr-3450	489	19	as	as	ADV
fsr-3450	489	20	well	well	ADV
fsr-3450	489	21	as	as	ADP
fsr-3450	489	22	higher	high	ADJ
fsr-3450	489	23	debt	debt	NOUN
fsr-3450	489	24	-	-	PUNCT
fsr-3450	489	25	to	to	ADP
fsr-3450	489	26	-	-	PUNCT
fsr-3450	489	27	asset	asset	NOUN
fsr-3450	489	28	and	and	CCONJ
fsr-3450	489	29	debt	debt	NOUN
fsr-3450	489	30	-	-	PUNCT
fsr-3450	489	31	to	to	ADP
fsr-3450	489	32	-	-	PUNCT
fsr-3450	489	33	income	income	NOUN
fsr-3450	489	34	ratios	ratio	NOUN
fsr-3450	489	35	.	.	PUNCT
fsr-3450	490	1	families	family	NOUN
fsr-3450	490	2	with	with	ADP
fsr-3450	490	3	myopic	myopic	ADJ
fsr-3450	490	4	planning	planning	NOUN
fsr-3450	490	5	horizons	horizon	NOUN
fsr-3450	490	6	are	be	AUX
fsr-3450	490	7	also	also	ADV
fsr-3450	490	8	more	more	ADV
fsr-3450	490	9	likely	likely	ADJ
fsr-3450	490	10	to	to	PART
fsr-3450	490	11	carry	carry	VERB
fsr-3450	490	12	a	a	DET
fsr-3450	490	13	higher	high	ADJ
fsr-3450	490	14	amount	amount	NOUN
fsr-3450	490	15	of	of	ADP
fsr-3450	490	16	bad	bad	ADJ
fsr-3450	490	17	debts	debt	NOUN
fsr-3450	490	18	,	,	PUNCT
fsr-3450	490	19	such	such	ADJ
fsr-3450	490	20	as	as	ADP
fsr-3450	490	21	credit	credit	NOUN
fsr-3450	490	22	card	card	NOUN
fsr-3450	490	23	balances	balance	NOUN
fsr-3450	490	24	.	.	PUNCT
fsr-3450	491	1	this	this	DET
fsr-3450	491	2	study	study	NOUN
fsr-3450	491	3	can	can	AUX
fsr-3450	491	4	also	also	ADV
fsr-3450	491	5	inspire	inspire	VERB
fsr-3450	491	6	advisors	advisor	NOUN
fsr-3450	491	7	and	and	CCONJ
fsr-3450	491	8	financial	financial	ADJ
fsr-3450	491	9	services	service	NOUN
fsr-3450	491	10	firms	firm	NOUN
fsr-3450	491	11	to	to	PART
fsr-3450	491	12	consider	consider	VERB
fsr-3450	491	13	alternative	alternative	ADJ
fsr-3450	491	14	approaches	approach	NOUN
fsr-3450	491	15	to	to	ADP
fsr-3450	491	16	helping	help	VERB
fsr-3450	491	17	consumers	consumer	NOUN
fsr-3450	491	18	improve	improve	VERB
fsr-3450	491	19	their	their	PRON
fsr-3450	491	20	financial	financial	ADJ
fsr-3450	491	21	well	well	NOUN
fsr-3450	491	22	-	-	PUNCT
fsr-3450	491	23	being	being	NOUN
fsr-3450	491	24	.	.	PUNCT
fsr-3450	492	1	for	for	ADP
fsr-3450	492	2	example	example	NOUN
fsr-3450	492	3	,	,	PUNCT
fsr-3450	492	4	advisors	advisor	NOUN
fsr-3450	492	5	could	could	AUX
fsr-3450	492	6	help	help	VERB
fsr-3450	492	7	their	their	PRON
fsr-3450	492	8	clients	client	NOUN
fsr-3450	492	9	design	design	VERB
fsr-3450	492	10	a	a	DET
fsr-3450	492	11	road	road	NOUN
fsr-3450	492	12	map	map	NOUN
fsr-3450	492	13	for	for	ADP
fsr-3450	492	14	debt	debt	NOUN
fsr-3450	492	15	restructuring	restructuring	NOUN
fsr-3450	492	16	and	and	CCONJ
fsr-3450	492	17	interest	interest	NOUN
fsr-3450	492	18	rate	rate	NOUN
fsr-3450	492	19	reduction	reduction	NOUN
fsr-3450	492	20	along	along	ADP
fsr-3450	492	21	with	with	ADP
fsr-3450	492	22	building	building	NOUN
fsr-3450	492	23	portfolio	portfolio	NOUN
fsr-3450	492	24	investment	investment	NOUN
fsr-3450	492	25	strategies	strategy	NOUN
fsr-3450	492	26	.	.	PUNCT
fsr-3450	493	1	by	by	ADP
fsr-3450	493	2	reviewing	review	VERB
fsr-3450	493	3	both	both	DET
fsr-3450	493	4	sides	side	NOUN
fsr-3450	493	5	of	of	ADP
fsr-3450	493	6	the	the	DET
fsr-3450	493	7	household	household	NOUN
fsr-3450	493	8	balance	balance	NOUN
fsr-3450	493	9	sheet	sheet	NOUN
fsr-3450	493	10	extensively	extensively	ADV
fsr-3450	493	11	and	and	CCONJ
fsr-3450	493	12	periodically	periodically	ADV
fsr-3450	493	13	,	,	PUNCT
fsr-3450	493	14	advisors	advisor	NOUN
fsr-3450	493	15	can	can	AUX
fsr-3450	493	16	integrate	integrate	VERB
fsr-3450	493	17	both	both	DET
fsr-3450	493	18	investment	investment	NOUN
fsr-3450	493	19	and	and	CCONJ
fsr-3450	493	20	liability	liability	NOUN
fsr-3450	493	21	management	management	NOUN
fsr-3450	493	22	strategies	strategy	NOUN
fsr-3450	493	23	to	to	PART
fsr-3450	493	24	better	well	ADV
fsr-3450	493	25	improve	improve	VERB
fsr-3450	493	26	their	their	PRON
fsr-3450	493	27	clients	client	NOUN
fsr-3450	493	28	’	’	PART
fsr-3450	493	29	economic	economic	ADJ
fsr-3450	493	30	outlooks	outlook	NOUN
fsr-3450	493	31	.	.	PUNCT
fsr-3450	494	1	these	these	DET
fsr-3450	494	2	strategies	strategy	NOUN
fsr-3450	494	3	would	would	AUX
fsr-3450	494	4	be	be	AUX
fsr-3450	494	5	particularly	particularly	ADV
fsr-3450	494	6	effective	effective	ADJ
fsr-3450	494	7	for	for	ADP
fsr-3450	494	8	households	household	NOUN
fsr-3450	494	9	with	with	ADP
fsr-3450	494	10	lower	low	ADJ
fsr-3450	494	11	income	income	NOUN
fsr-3450	494	12	,	,	PUNCT
fsr-3450	494	13	education	education	NOUN
fsr-3450	494	14	,	,	PUNCT
fsr-3450	494	15	and	and	CCONJ
fsr-3450	494	16	asset	asset	NOUN
fsr-3450	494	17	levels	level	NOUN
fsr-3450	494	18	.	.	PUNCT
fsr-3450	495	1	large	large	ADJ
fsr-3450	495	2	retirement	retirement	NOUN
fsr-3450	495	3	firms	firm	NOUN
fsr-3450	495	4	could	could	AUX
fsr-3450	495	5	explore	explore	VERB
fsr-3450	495	6	the	the	DET
fsr-3450	495	7	possibility	possibility	NOUN
fsr-3450	495	8	of	of	ADP
fsr-3450	495	9	building	build	VERB
fsr-3450	495	10	a	a	DET
fsr-3450	495	11	bridge	bridge	NOUN
fsr-3450	495	12	between	between	ADP
fsr-3450	495	13	their	their	PRON
fsr-3450	495	14	retirement	retirement	NOUN
fsr-3450	495	15	plan	plan	NOUN
fsr-3450	495	16	participants	participant	NOUN
fsr-3450	495	17	and	and	CCONJ
fsr-3450	495	18	lending	lending	NOUN
fsr-3450	495	19	institutions	institution	NOUN
fsr-3450	495	20	to	to	PART
fsr-3450	495	21	help	help	VERB
fsr-3450	495	22	their	their	PRON
fsr-3450	495	23	participants	participant	NOUN
fsr-3450	495	24	gain	gain	VERB
fsr-3450	495	25	access	access	NOUN
fsr-3450	495	26	to	to	ADP
fsr-3450	495	27	loans	loan	NOUN
fsr-3450	495	28	with	with	ADP
fsr-3450	495	29	competitive	competitive	ADJ
fsr-3450	495	30	rates	rate	NOUN
fsr-3450	495	31	.	.	PUNCT
fsr-3450	496	1	participants	participant	NOUN
fsr-3450	496	2	could	could	AUX
fsr-3450	496	3	utilize	utilize	VERB
fsr-3450	496	4	these	these	DET
fsr-3450	496	5	lower	low	ADJ
fsr-3450	496	6	“	"	PUNCT
fsr-3450	496	7	group	group	NOUN
fsr-3450	496	8	rate	rate	NOUN
fsr-3450	496	9	”	"	PUNCT
fsr-3450	496	10	loans	loan	NOUN
fsr-3450	496	11	to	to	PART
fsr-3450	496	12	restructure	restructure	VERB
fsr-3450	496	13	and	and	CCONJ
fsr-3450	496	14	reduce	reduce	VERB
fsr-3450	496	15	the	the	DET
fsr-3450	496	16	interest	interest	NOUN
fsr-3450	496	17	payments	payment	NOUN
fsr-3450	496	18	on	on	ADP
fsr-3450	496	19	their	their	PRON
fsr-3450	496	20	existing	exist	VERB
fsr-3450	496	21	debts	debt	NOUN
fsr-3450	496	22	.	.	PUNCT
fsr-3450	497	1	financial	financial	ADJ
fsr-3450	497	2	planners	planner	NOUN
fsr-3450	497	3	could	could	AUX
fsr-3450	497	4	also	also	ADV
fsr-3450	497	5	implement	implement	VERB
fsr-3450	497	6	different	different	ADJ
fsr-3450	497	7	behavior	behavior	NOUN
fsr-3450	497	8	coaching	coaching	NOUN
fsr-3450	497	9	strategies	strategy	NOUN
fsr-3450	497	10	(	(	PUNCT
fsr-3450	497	11	such	such	ADJ
fsr-3450	497	12	as	as	ADP
fsr-3450	497	13	behavioral	behavioral	ADJ
fsr-3450	497	14	nudging	nudging	NOUN
fsr-3450	497	15	devices	device	NOUN
fsr-3450	497	16	)	)	PUNCT
fsr-3450	497	17	to	to	PART
fsr-3450	497	18	help	help	VERB
fsr-3450	497	19	their	their	PRON
fsr-3450	497	20	clients	client	NOUN
fsr-3450	497	21	increase	increase	VERB
fsr-3450	497	22	their	their	PRON
fsr-3450	497	23	financial	financial	ADJ
fsr-3450	497	24	planning	planning	NOUN
fsr-3450	497	25	horizons	horizon	NOUN
fsr-3450	497	26	and	and	CCONJ
fsr-3450	497	27	avoid	avoid	VERB
fsr-3450	497	28	the	the	DET
fsr-3450	497	29	consequences	consequence	NOUN
fsr-3450	497	30	of	of	ADP
fsr-3450	497	31	myopic	myopic	ADJ
fsr-3450	497	32	planning	planning	NOUN
fsr-3450	497	33	.	.	PUNCT
fsr-3450	498	1	138	138	NUM
fsr-3450	498	2	z.	z.	PROPN
fsr-3450	498	3	liu	liu	PROPN
fsr-3450	498	4	and	and	CCONJ
fsr-3450	498	5	d.	d.	PROPN
fsr-3450	498	6	m.	m.	PROPN
fsr-3450	498	7	blanchett	blanchett	PROPN
fsr-3450	498	8	/	/	SYM
fsr-3450	498	9	financial	financial	ADJ
fsr-3450	498	10	services	service	NOUN
fsr-3450	498	11	review	review	VERB
fsr-3450	498	12	29	29	NUM
fsr-3450	498	13	(	(	PUNCT
fsr-3450	498	14	2021	2021	NUM
fsr-3450	498	15	)	)	PUNCT
fsr-3450	499	1	121–145	121–145	NUM
fsr-3450	499	2	the	the	DET
fsr-3450	499	3	integration	integration	NOUN
fsr-3450	499	4	of	of	ADP
fsr-3450	499	5	investment	investment	NOUN
fsr-3450	499	6	and	and	CCONJ
fsr-3450	499	7	liability	liability	NOUN
fsr-3450	499	8	management	management	NOUN
fsr-3450	499	9	strategies	strategy	NOUN
fsr-3450	499	10	prompts	prompt	VERB
fsr-3450	499	11	financial	financial	ADJ
fsr-3450	499	12	advisors	advisor	NOUN
fsr-3450	499	13	to	to	PART
fsr-3450	499	14	help	help	VERB
fsr-3450	499	15	their	their	PRON
fsr-3450	499	16	clients	client	NOUN
fsr-3450	499	17	to	to	PART
fsr-3450	499	18	answer	answer	VERB
fsr-3450	499	19	the	the	DET
fsr-3450	499	20	question	question	NOUN
fsr-3450	499	21	,	,	PUNCT
fsr-3450	499	22	“	"	PUNCT
fsr-3450	499	23	where	where	SCONJ
fsr-3450	499	24	should	should	AUX
fsr-3450	499	25	my	my	PRON
fsr-3450	499	26	next	next	ADJ
fsr-3450	499	27	dollar	dollar	NOUN
fsr-3450	499	28	go	go	VERB
fsr-3450	499	29	?	?	PUNCT
fsr-3450	499	30	”	"	PUNCT
fsr-3450	499	31	by	by	ADP
fsr-3450	499	32	designing	design	VERB
fsr-3450	499	33	a	a	DET
fsr-3450	499	34	universal	universal	ADJ
fsr-3450	499	35	comparison	comparison	NOUN
fsr-3450	499	36	mechanism	mechanism	NOUN
fsr-3450	499	37	between	between	ADP
fsr-3450	499	38	investing	invest	VERB
fsr-3450	499	39	and	and	CCONJ
fsr-3450	499	40	paying	pay	VERB
fsr-3450	499	41	off	off	ADP
fsr-3450	499	42	debt	debt	NOUN
fsr-3450	499	43	,	,	PUNCT
fsr-3450	499	44	financial	financial	ADJ
fsr-3450	499	45	advisors	advisor	NOUN
fsr-3450	499	46	can	can	AUX
fsr-3450	499	47	help	help	VERB
fsr-3450	499	48	their	their	PRON
fsr-3450	499	49	customers	customer	NOUN
fsr-3450	499	50	to	to	PART
fsr-3450	499	51	better	well	ADV
fsr-3450	499	52	manage	manage	VERB
fsr-3450	499	53	their	their	PRON
fsr-3450	499	54	marginal	marginal	ADJ
fsr-3450	499	55	income	income	NOUN
fsr-3450	499	56	.	.	PUNCT
fsr-3450	500	1	an	an	DET
fsr-3450	500	2	integrated	integrated	ADJ
fsr-3450	500	3	model	model	NOUN
fsr-3450	500	4	or	or	CCONJ
fsr-3450	500	5	strategy	strategy	NOUN
fsr-3450	500	6	can	can	AUX
fsr-3450	500	7	be	be	AUX
fsr-3450	500	8	designed	design	VERB
fsr-3450	500	9	to	to	PART
fsr-3450	500	10	not	not	PART
fsr-3450	500	11	only	only	ADV
fsr-3450	500	12	educate	educate	VERB
fsr-3450	500	13	the	the	DET
fsr-3450	500	14	consumers	consumer	NOUN
fsr-3450	500	15	on	on	ADP
fsr-3450	500	16	the	the	DET
fsr-3450	500	17	importance	importance	NOUN
fsr-3450	500	18	of	of	ADP
fsr-3450	500	19	liability	liability	NOUN
fsr-3450	500	20	management	management	NOUN
fsr-3450	500	21	,	,	PUNCT
fsr-3450	500	22	but	but	CCONJ
fsr-3450	500	23	also	also	ADV
fsr-3450	500	24	guide	guide	VERB
fsr-3450	500	25	their	their	PRON
fsr-3450	500	26	decision	decision	NOUN
fsr-3450	500	27	-	-	PUNCT
fsr-3450	500	28	making	make	VERB
fsr-3450	500	29	process	process	NOUN
fsr-3450	500	30	after	after	ADP
fsr-3450	500	31	taking	take	VERB
fsr-3450	500	32	each	each	DET
fsr-3450	500	33	consumer	consumer	NOUN
fsr-3450	500	34	’s	’s	PART
fsr-3450	500	35	unique	unique	ADJ
fsr-3450	500	36	financial	financial	ADJ
fsr-3450	500	37	situation	situation	NOUN
fsr-3450	500	38	into	into	ADP
fsr-3450	500	39	account	account	NOUN
fsr-3450	500	40	.	.	PUNCT
fsr-3450	501	1	future	future	ADJ
fsr-3450	501	2	studies	study	NOUN
fsr-3450	501	3	may	may	AUX
fsr-3450	501	4	find	find	VERB
fsr-3450	501	5	it	it	PRON
fsr-3450	501	6	favorable	favorable	ADJ
fsr-3450	501	7	to	to	PART
fsr-3450	501	8	build	build	VERB
fsr-3450	501	9	such	such	DET
fsr-3450	501	10	an	an	DET
fsr-3450	501	11	integrated	integrate	VERB
fsr-3450	501	12	methodology	methodology	NOUN
fsr-3450	501	13	to	to	PART
fsr-3450	501	14	help	help	VERB
fsr-3450	501	15	answer	answer	VERB
fsr-3450	501	16	the	the	DET
fsr-3450	501	17	age	age	NOUN
fsr-3450	501	18	-	-	PUNCT
fsr-3450	501	19	old	old	ADJ
fsr-3450	501	20	invest	invest	NOUN
fsr-3450	501	21	or	or	CCONJ
fsr-3450	501	22	pay	pay	VERB
fsr-3450	501	23	off	off	ADP
fsr-3450	501	24	debt	debt	NOUN
fsr-3450	501	25	conundrum	conundrum	NOUN
fsr-3450	501	26	faced	face	VERB
fsr-3450	501	27	by	by	ADP
fsr-3450	501	28	many	many	ADJ
fsr-3450	501	29	households	household	NOUN
fsr-3450	501	30	.	.	PUNCT
fsr-3450	502	1	notes	note	NOUN
fsr-3450	502	2	1	1	NUM
fsr-3450	502	3	defined	define	VERB
fsr-3450	502	4	as	as	ADP
fsr-3450	502	5	households	household	NOUN
fsr-3450	502	6	with	with	ADP
fsr-3450	502	7	a	a	DET
fsr-3450	502	8	net	net	ADJ
fsr-3450	502	9	worth	worth	NOUN
fsr-3450	502	10	not	not	PART
fsr-3450	502	11	exceeding	exceed	VERB
fsr-3450	502	12	$	$	SYM
fsr-3450	502	13	1	1	NUM
fsr-3450	502	14	million	million	NUM
fsr-3450	502	15	,	,	PUNCT
fsr-3450	502	16	have	have	VERB
fsr-3450	502	17	more	more	ADJ
fsr-3450	502	18	than	than	ADP
fsr-3450	502	19	$	$	SYM
fsr-3450	502	20	1,000	1,000	NUM
fsr-3450	502	21	annual	annual	ADJ
fsr-3450	502	22	income	income	NOUN
fsr-3450	502	23	and	and	CCONJ
fsr-3450	502	24	have	have	VERB
fsr-3450	502	25	at	at	ADV
fsr-3450	502	26	least	least	ADV
fsr-3450	502	27	$	$	SYM
fsr-3450	502	28	1	1	NUM
fsr-3450	502	29	in	in	ADP
fsr-3450	502	30	financial	financial	ADJ
fsr-3450	502	31	assets	asset	NOUN
fsr-3450	502	32	.	.	PUNCT
fsr-3450	503	1	high	high	ADJ
fsr-3450	503	2	net	net	ADJ
fsr-3450	503	3	worth	worth	ADJ
fsr-3450	503	4	households	household	NOUN
fsr-3450	503	5	,	,	PUNCT
fsr-3450	503	6	defined	define	VERB
fsr-3450	503	7	as	as	ADP
fsr-3450	503	8	those	those	PRON
fsr-3450	503	9	with	with	ADP
fsr-3450	503	10	net	net	ADJ
fsr-3450	503	11	worth	worth	NOUN
fsr-3450	503	12	over	over	ADP
fsr-3450	503	13	$	$	SYM
fsr-3450	503	14	1	1	NUM
fsr-3450	503	15	million	million	NUM
fsr-3450	503	16	,	,	PUNCT
fsr-3450	503	17	often	often	ADV
fsr-3450	503	18	have	have	VERB
fsr-3450	503	19	their	their	PRON
fsr-3450	503	20	own	own	ADJ
fsr-3450	503	21	unique	unique	ADJ
fsr-3450	503	22	leveraging	leveraging	NOUN
fsr-3450	503	23	and	and	CCONJ
fsr-3450	503	24	investment	investment	NOUN
fsr-3450	503	25	strategies	strategy	NOUN
fsr-3450	503	26	,	,	PUNCT
fsr-3450	503	27	and	and	CCONJ
fsr-3450	503	28	optimizing	optimize	VERB
fsr-3450	503	29	these	these	DET
fsr-3450	503	30	special	special	ADJ
fsr-3450	503	31	strategies	strategy	NOUN
fsr-3450	503	32	is	be	AUX
fsr-3450	503	33	beyond	beyond	ADP
fsr-3450	503	34	the	the	DET
fsr-3450	503	35	scope	scope	NOUN
fsr-3450	503	36	of	of	ADP
fsr-3450	503	37	this	this	DET
fsr-3450	503	38	paper	paper	NOUN
fsr-3450	503	39	.	.	PUNCT
fsr-3450	504	1	our	our	PRON
fsr-3450	504	2	definition	definition	NOUN
fsr-3450	504	3	of	of	ADP
fsr-3450	504	4	“	"	PUNCT
fsr-3450	504	5	low	low	ADJ
fsr-3450	504	6	-	-	PUNCT
fsr-3450	504	7	to	to	ADP
fsr-3450	504	8	-	-	PUNCT
fsr-3450	504	9	affluent	affluent	ADJ
fsr-3450	504	10	”	"	PUNCT
fsr-3450	504	11	households	household	NOUN
fsr-3450	504	12	includes	include	VERB
fsr-3450	504	13	those	those	PRON
fsr-3450	504	14	in	in	ADP
fsr-3450	504	15	the	the	DET
fsr-3450	504	16	middle	middle	NOUN
fsr-3450	504	17	-	-	PUNCT
fsr-3450	504	18	to	to	ADP
fsr-3450	504	19	-	-	PUNCT
fsr-3450	504	20	low	low	ADJ
fsr-3450	504	21	income	income	NOUN
fsr-3450	504	22	range	range	NOUN
fsr-3450	504	23	because	because	SCONJ
fsr-3450	504	24	these	these	DET
fsr-3450	504	25	households	household	NOUN
fsr-3450	504	26	are	be	AUX
fsr-3450	504	27	most	most	ADV
fsr-3450	504	28	likely	likely	ADJ
fsr-3450	504	29	to	to	PART
fsr-3450	504	30	need	need	VERB
fsr-3450	504	31	debt	debt	NOUN
fsr-3450	504	32	management	management	NOUN
fsr-3450	504	33	assistance	assistance	NOUN
fsr-3450	504	34	.	.	PUNCT
fsr-3450	505	1	detailed	detailed	ADJ
fsr-3450	505	2	descriptions	description	NOUN
fsr-3450	505	3	of	of	ADP
fsr-3450	505	4	the	the	DET
fsr-3450	505	5	analysis	analysis	NOUN
fsr-3450	505	6	sample	sample	NOUN
fsr-3450	505	7	can	can	AUX
fsr-3450	505	8	be	be	AUX
fsr-3450	505	9	found	find	VERB
fsr-3450	505	10	in	in	ADP
fsr-3450	505	11	the	the	DET
fsr-3450	505	12	data	datum	NOUN
fsr-3450	505	13	and	and	CCONJ
fsr-3450	505	14	methodology	methodology	NOUN
fsr-3450	505	15	section	section	NOUN
fsr-3450	505	16	of	of	ADP
fsr-3450	505	17	this	this	DET
fsr-3450	505	18	article	article	NOUN
fsr-3450	505	19	.	.	PUNCT
fsr-3450	506	1	2	2	NUM
fsr-3450	506	2	this	this	PRON
fsr-3450	506	3	is	be	AUX
fsr-3450	506	4	the	the	DET
fsr-3450	506	5	lower	low	ADJ
fsr-3450	506	6	end	end	NOUN
fsr-3450	506	7	of	of	ADP
fsr-3450	506	8	average	average	ADJ
fsr-3450	506	9	credit	credit	NOUN
fsr-3450	506	10	card	card	NOUN
fsr-3450	506	11	and	and	CCONJ
fsr-3450	506	12	retail	retail	ADJ
fsr-3450	506	13	store	store	NOUN
fsr-3450	506	14	installment	installment	NOUN
fsr-3450	506	15	card	card	NOUN
fsr-3450	506	16	interest	interest	NOUN
fsr-3450	506	17	rates	rate	NOUN
fsr-3450	506	18	.	.	PUNCT
fsr-3450	507	1	source	source	NOUN
fsr-3450	507	2	:	:	PUNCT
fsr-3450	507	3	2016	2016	NUM
fsr-3450	507	4	scf	scf	PROPN
fsr-3450	507	5	data	datum	NOUN
fsr-3450	507	6	weighted	weight	VERB
fsr-3450	507	7	average	average	ADJ
fsr-3450	507	8	credit	credit	NOUN
fsr-3450	507	9	card	card	NOUN
fsr-3450	507	10	interest	interest	NOUN
fsr-3450	507	11	rate	rate	NOUN
fsr-3450	507	12	for	for	ADP
fsr-3450	507	13	low	low	ADJ
fsr-3450	507	14	-	-	PUNCT
fsr-3450	507	15	toaffluent	toaffluent	NOUN
fsr-3450	507	16	households	household	NOUN
fsr-3450	507	17	.	.	PUNCT
fsr-3450	508	1	3	3	NUM
fsr-3450	508	2	the	the	DET
fsr-3450	508	3	definition	definition	NOUN
fsr-3450	508	4	of	of	ADP
fsr-3450	508	5	“	"	PUNCT
fsr-3450	508	6	good	good	ADJ
fsr-3450	508	7	”	"	PUNCT
fsr-3450	508	8	and	and	CCONJ
fsr-3450	508	9	“	"	PUNCT
fsr-3450	508	10	bad	bad	ADJ
fsr-3450	508	11	”	"	PUNCT
fsr-3450	508	12	debts	debt	NOUN
fsr-3450	508	13	is	be	AUX
fsr-3450	508	14	discussed	discuss	VERB
fsr-3450	508	15	in	in	ADP
fsr-3450	508	16	both	both	CCONJ
fsr-3450	508	17	the	the	DET
fsr-3450	508	18	literature	literature	NOUN
fsr-3450	508	19	review	review	NOUN
fsr-3450	508	20	section	section	NOUN
fsr-3450	508	21	and	and	CCONJ
fsr-3450	508	22	the	the	DET
fsr-3450	508	23	results	result	NOUN
fsr-3450	508	24	section	section	NOUN
fsr-3450	508	25	.	.	PUNCT
fsr-3450	509	1	4	4	NUM
fsr-3450	509	2	the	the	DET
fsr-3450	509	3	consumer	consumer	NOUN
fsr-3450	509	4	finance	finance	NOUN
fsr-3450	509	5	monthly	monthly	ADJ
fsr-3450	509	6	study	study	NOUN
fsr-3450	509	7	is	be	AUX
fsr-3450	509	8	conducted	conduct	VERB
fsr-3450	509	9	by	by	ADP
fsr-3450	509	10	the	the	DET
fsr-3450	509	11	consumer	consumer	NOUN
fsr-3450	509	12	finance	finance	NOUN
fsr-3450	509	13	research	research	NOUN
fsr-3450	509	14	group	group	NOUN
fsr-3450	509	15	at	at	ADP
fsr-3450	509	16	ohio	ohio	PROPN
fsr-3450	509	17	state	state	PROPN
fsr-3450	509	18	university	university	PROPN
fsr-3450	509	19	.	.	PUNCT
fsr-3450	510	1	5	5	NUM
fsr-3450	510	2	the	the	DET
fsr-3450	510	3	utility	utility	NOUN
fsr-3450	510	4	function	function	NOUN
fsr-3450	510	5	satisfies	satisfy	VERB
fsr-3450	510	6	monotonicity	monotonicity	NOUN
fsr-3450	510	7	(	(	PUNCT
fsr-3450	510	8	more	more	ADJ
fsr-3450	510	9	is	be	AUX
fsr-3450	510	10	preferred	prefer	VERB
fsr-3450	510	11	to	to	ADP
fsr-3450	510	12	less	less	ADJ
fsr-3450	510	13	)	)	PUNCT
fsr-3450	510	14	and	and	CCONJ
fsr-3450	510	15	concavity	concavity	NOUN
fsr-3450	510	16	(	(	PUNCT
fsr-3450	510	17	diminishing	diminish	VERB
fsr-3450	510	18	marginal	marginal	ADJ
fsr-3450	510	19	utility	utility	NOUN
fsr-3450	510	20	)	)	PUNCT
fsr-3450	510	21	properties	property	NOUN
fsr-3450	510	22	and	and	CCONJ
fsr-3450	510	23	assumes	assume	VERB
fsr-3450	510	24	ct	ct	PROPN
fsr-3450	510	25	’s	’s	PART
fsr-3450	510	26	are	be	AUX
fsr-3450	510	27	normal	normal	ADJ
fsr-3450	510	28	goods	good	NOUN
fsr-3450	510	29	for	for	ADP
fsr-3450	510	30	every	every	DET
fsr-3450	510	31	period	period	NOUN
fsr-3450	510	32	t.	t.	NOUN
fsr-3450	510	33	the	the	DET
fsr-3450	510	34	concavity	concavity	NOUN
fsr-3450	510	35	property	property	NOUN
fsr-3450	510	36	implies	imply	VERB
fsr-3450	510	37	the	the	DET
fsr-3450	510	38	preference	preference	NOUN
fsr-3450	510	39	of	of	ADP
fsr-3450	510	40	smoothing	smooth	VERB
fsr-3450	510	41	consumption	consumption	NOUN
fsr-3450	510	42	across	across	ADP
fsr-3450	510	43	time	time	NOUN
fsr-3450	510	44	because	because	SCONJ
fsr-3450	510	45	of	of	ADP
fsr-3450	510	46	the	the	DET
fsr-3450	510	47	love	love	NOUN
fsr-3450	510	48	of	of	ADP
fsr-3450	510	49	diversity	diversity	NOUN
fsr-3450	510	50	.	.	PUNCT
fsr-3450	511	1	6	6	NUM
fsr-3450	511	2	the	the	DET
fsr-3450	511	3	budget	budget	NOUN
fsr-3450	511	4	constraint	constraint	NOUN
fsr-3450	511	5	depicted	depict	VERB
fsr-3450	511	6	by	by	ADP
fsr-3450	511	7	inequality	inequality	NOUN
fsr-3450	511	8	(	(	PUNCT
fsr-3450	511	9	14	14	NUM
fsr-3450	511	10	)	)	PUNCT
fsr-3450	511	11	is	be	AUX
fsr-3450	511	12	derived	derive	VERB
fsr-3450	511	13	from	from	ADP
fsr-3450	511	14	the	the	DET
fsr-3450	511	15	following	follow	VERB
fsr-3450	511	16	constraints	constraint	NOUN
fsr-3450	511	17	while	while	SCONJ
fsr-3450	511	18	substituting	substitute	VERB
fsr-3450	511	19	out	out	ADP
fsr-3450	511	20	the	the	DET
fsr-3450	511	21	borrowing	borrowing	NOUN
fsr-3450	511	22	factor	factor	NOUN
fsr-3450	511	23	st	st	PROPN
fsr-3450	511	24	(	(	PUNCT
fsr-3450	511	25	8	8	PROPN
fsr-3450	511	26	t	t	PRON
fsr-3450	511	27	from1	from1	NOUN
fsr-3450	511	28	to	to	ADP
fsr-3450	511	29	t	t	PROPN
fsr-3450	511	30	):	):	PUNCT
fsr-3450	511	31	ct	ct	PROPN
fsr-3450	511	32	þ	þ	PROPN
fsr-3450	511	33	st	st	PROPN
fsr-3450	511	34	≤	≤	PROPN
fsr-3450	511	35	yt	yt	PROPN
fsr-3450	511	36	(	(	PUNCT
fsr-3450	511	37	11.1	11.1	NUM
fsr-3450	511	38	)	)	PUNCT
fsr-3450	511	39	ctþ1	ctþ1	PROPN
fsr-3450	511	40	≤	≤	PROPN
fsr-3450	511	41	ð1þ	ð1þ	PUNCT
fsr-3450	511	42	rþ	rþ	ADP
fsr-3450	511	43	st	st	PROPN
fsr-3450	511	44	þ	þ	PROPN
fsr-3450	511	45	ytþ1	ytþ1	PROPN
fsr-3450	511	46	(	(	PUNCT
fsr-3450	511	47	11.2	11.2	NUM
fsr-3450	511	48	)	)	PUNCT
fsr-3450	511	49	7	7	NUM
fsr-3450	511	50	given	give	VERB
fsr-3450	511	51	the	the	DET
fsr-3450	511	52	prevalence	prevalence	NOUN
fsr-3450	511	53	of	of	ADP
fsr-3450	511	54	“	"	PUNCT
fsr-3450	511	55	payday	payday	PROPN
fsr-3450	511	56	lending	lending	NOUN
fsr-3450	511	57	”	"	PUNCT
fsr-3450	511	58	and	and	CCONJ
fsr-3450	511	59	other	other	ADJ
fsr-3450	511	60	short	short	ADJ
fsr-3450	511	61	-	-	PUNCT
fsr-3450	511	62	term	term	NOUN
fsr-3450	511	63	loans	loan	NOUN
fsr-3450	511	64	in	in	ADP
fsr-3450	511	65	the	the	DET
fsr-3450	511	66	united	united	PROPN
fsr-3450	511	67	states	states	PROPN
fsr-3450	511	68	(	(	PUNCT
fsr-3450	511	69	caskey	caskey	PROPN
fsr-3450	511	70	,	,	PUNCT
fsr-3450	511	71	2001	2001	NUM
fsr-3450	511	72	;	;	PUNCT
fsr-3450	511	73	stegman	stegman	NOUN
fsr-3450	511	74	,	,	PUNCT
fsr-3450	511	75	2007	2007	NUM
fsr-3450	511	76	)	)	PUNCT
fsr-3450	511	77	,	,	PUNCT
fsr-3450	511	78	we	we	PRON
fsr-3450	511	79	assume	assume	VERB
fsr-3450	511	80	that	that	SCONJ
fsr-3450	511	81	american	american	ADJ
fsr-3450	511	82	households	household	NOUN
fsr-3450	511	83	have	have	VERB
fsr-3450	511	84	access	access	NOUN
fsr-3450	511	85	to	to	ADP
fsr-3450	511	86	sufficient	sufficient	ADJ
fsr-3450	511	87	amount	amount	NOUN
fsr-3450	511	88	of	of	ADP
fsr-3450	511	89	lending	lending	NOUN
fsr-3450	511	90	sources	source	NOUN
fsr-3450	511	91	despite	despite	SCONJ
fsr-3450	511	92	the	the	DET
fsr-3450	511	93	fact	fact	NOUN
fsr-3450	511	94	that	that	SCONJ
fsr-3450	511	95	some	some	PRON
fsr-3450	511	96	of	of	ADP
fsr-3450	511	97	the	the	DET
fsr-3450	511	98	loans	loan	NOUN
fsr-3450	511	99	may	may	AUX
fsr-3450	511	100	have	have	AUX
fsr-3450	511	101	unreasonably	unreasonably	ADV
fsr-3450	511	102	high	high	ADJ
fsr-3450	511	103	interest	interest	NOUN
fsr-3450	511	104	rates	rate	NOUN
fsr-3450	511	105	.	.	PUNCT
fsr-3450	512	1	while	while	SCONJ
fsr-3450	512	2	we	we	PRON
fsr-3450	512	3	do	do	AUX
fsr-3450	512	4	not	not	PART
fsr-3450	512	5	recommend	recommend	VERB
fsr-3450	512	6	consumers	consumer	NOUN
fsr-3450	512	7	access	access	VERB
fsr-3450	512	8	these	these	DET
fsr-3450	512	9	short	short	ADJ
fsr-3450	512	10	-	-	PUNCT
fsr-3450	512	11	term	term	NOUN
fsr-3450	512	12	loans	loan	NOUN
fsr-3450	512	13	,	,	PUNCT
fsr-3450	512	14	we	we	PRON
fsr-3450	512	15	use	use	VERB
fsr-3450	512	16	their	their	PRON
fsr-3450	512	17	potential	potential	ADJ
fsr-3450	512	18	access	access	NOUN
fsr-3450	512	19	abilities	ability	NOUN
fsr-3450	512	20	of	of	ADP
fsr-3450	512	21	these	these	DET
fsr-3450	512	22	loans	loan	NOUN
fsr-3450	512	23	to	to	ADP
fsr-3450	512	24	z.	z.	PROPN
fsr-3450	512	25	liu	liu	PROPN
fsr-3450	512	26	and	and	CCONJ
fsr-3450	512	27	d.	d.	PROPN
fsr-3450	512	28	m.	m.	PROPN
fsr-3450	512	29	blanchett	blanchett	PROPN
fsr-3450	512	30	/	/	SYM
fsr-3450	512	31	financial	financial	ADJ
fsr-3450	512	32	services	service	NOUN
fsr-3450	512	33	review	review	VERB
fsr-3450	512	34	29	29	NUM
fsr-3450	512	35	(	(	PUNCT
fsr-3450	512	36	2021	2021	NUM
fsr-3450	512	37	)	)	PUNCT
fsr-3450	513	1	121–145	121–145	NUM
fsr-3450	513	2	139	139	NUM
fsr-3450	513	3	simplify	simplify	NOUN
fsr-3450	513	4	the	the	DET
fsr-3450	513	5	model	model	NOUN
fsr-3450	513	6	and	and	CCONJ
fsr-3450	513	7	transform	transform	VERB
fsr-3450	513	8	the	the	DET
fsr-3450	513	9	borrowing	borrowing	NOUN
fsr-3450	513	10	constraints	constraint	NOUN
fsr-3450	513	11	to	to	ADP
fsr-3450	513	12	interest	interest	NOUN
fsr-3450	513	13	rate	rate	NOUN
fsr-3450	513	14	constraints	constraint	NOUN
fsr-3450	513	15	.	.	PUNCT
fsr-3450	514	1	another	another	DET
fsr-3450	514	2	reason	reason	NOUN
fsr-3450	514	3	why	why	SCONJ
fsr-3450	514	4	we	we	PRON
fsr-3450	514	5	do	do	AUX
fsr-3450	514	6	not	not	PART
fsr-3450	514	7	restrict	restrict	VERB
fsr-3450	514	8	the	the	DET
fsr-3450	514	9	borrowing	borrowing	NOUN
fsr-3450	514	10	/	/	SYM
fsr-3450	514	11	saving	save	VERB
fsr-3450	514	12	factor	factor	NOUN
fsr-3450	514	13	s	s	PART
fsr-3450	514	14	in	in	ADP
fsr-3450	514	15	the	the	DET
fsr-3450	514	16	intertemporal	intertemporal	ADJ
fsr-3450	514	17	consumption	consumption	NOUN
fsr-3450	514	18	model	model	NOUN
fsr-3450	514	19	is	be	AUX
fsr-3450	514	20	that	that	SCONJ
fsr-3450	514	21	this	this	DET
fsr-3450	514	22	factor	factor	NOUN
fsr-3450	514	23	is	be	AUX
fsr-3450	514	24	canceled	cancel	VERB
fsr-3450	514	25	out	out	ADP
fsr-3450	514	26	when	when	SCONJ
fsr-3450	514	27	combining	combine	VERB
fsr-3450	514	28	the	the	DET
fsr-3450	514	29	two	two	NUM
fsr-3450	514	30	-	-	PUNCT
fsr-3450	514	31	period	period	NOUN
fsr-3450	514	32	budget	budget	NOUN
fsr-3450	514	33	constraints	constraint	NOUN
fsr-3450	514	34	together	together	ADV
fsr-3450	514	35	using	use	VERB
fsr-3450	514	36	substitutional	substitutional	ADJ
fsr-3450	514	37	method	method	NOUN
fsr-3450	514	38	and	and	CCONJ
fsr-3450	514	39	lagrangian	lagrangian	ADJ
fsr-3450	514	40	technique	technique	NOUN
fsr-3450	514	41	to	to	PART
fsr-3450	514	42	solve	solve	VERB
fsr-3450	514	43	this	this	DET
fsr-3450	514	44	intertemporal	intertemporal	ADJ
fsr-3450	514	45	optimization	optimization	NOUN
fsr-3450	514	46	problem	problem	NOUN
fsr-3450	514	47	.	.	PUNCT
fsr-3450	515	1	8	8	NUM
fsr-3450	515	2	the	the	DET
fsr-3450	515	3	most	most	ADV
fsr-3450	515	4	current	current	ADJ
fsr-3450	515	5	wave	wave	NOUN
fsr-3450	515	6	available	available	ADJ
fsr-3450	515	7	at	at	ADP
fsr-3450	515	8	the	the	DET
fsr-3450	515	9	time	time	NOUN
fsr-3450	515	10	of	of	ADP
fsr-3450	515	11	the	the	DET
fsr-3450	515	12	analysis	analysis	NOUN
fsr-3450	515	13	.	.	PUNCT
fsr-3450	516	1	9	9	NUM
fsr-3450	516	2	the	the	DET
fsr-3450	516	3	survey	survey	NOUN
fsr-3450	516	4	of	of	ADP
fsr-3450	516	5	consumer	consumer	NOUN
fsr-3450	516	6	finances	finance	NOUN
fsr-3450	516	7	uses	use	VERB
fsr-3450	516	8	“	"	PUNCT
fsr-3450	516	9	multiple	multiple	ADJ
fsr-3450	516	10	imputation	imputation	NOUN
fsr-3450	516	11	technique	technique	NOUN
fsr-3450	516	12	”	"	PUNCT
fsr-3450	516	13	to	to	PART
fsr-3450	516	14	account	account	VERB
fsr-3450	516	15	for	for	ADP
fsr-3450	516	16	missing	miss	VERB
fsr-3450	516	17	data	datum	NOUN
fsr-3450	516	18	.	.	PUNCT
fsr-3450	517	1	because	because	SCONJ
fsr-3450	517	2	each	each	DET
fsr-3450	517	3	missing	missing	ADJ
fsr-3450	517	4	value	value	NOUN
fsr-3450	517	5	in	in	ADP
fsr-3450	517	6	the	the	DET
fsr-3450	517	7	scf	scf	PROPN
fsr-3450	517	8	is	be	AUX
fsr-3450	517	9	imputed	impute	VERB
fsr-3450	517	10	five	five	NUM
fsr-3450	517	11	times	time	NOUN
fsr-3450	517	12	,	,	PUNCT
fsr-3450	517	13	each	each	DET
fsr-3450	517	14	scf	scf	PROPN
fsr-3450	517	15	family	family	NOUN
fsr-3450	517	16	has	have	VERB
fsr-3450	517	17	five	five	NUM
fsr-3450	517	18	separate	separate	ADJ
fsr-3450	517	19	observations	observation	NOUN
fsr-3450	517	20	(	(	PUNCT
fsr-3450	517	21	called	call	VERB
fsr-3450	517	22	“	"	PUNCT
fsr-3450	517	23	implicates	implicate	NOUN
fsr-3450	517	24	”	"	PUNCT
fsr-3450	517	25	)	)	PUNCT
fsr-3450	517	26	in	in	ADP
fsr-3450	517	27	the	the	DET
fsr-3450	517	28	final	final	ADJ
fsr-3450	517	29	data	datum	NOUN
fsr-3450	517	30	.	.	PUNCT
fsr-3450	518	1	10	10	NUM
fsr-3450	518	2	the	the	DET
fsr-3450	518	3	scf	scf	PROPN
fsr-3450	518	4	data	datum	NOUN
fsr-3450	518	5	are	be	AUX
fsr-3450	518	6	derived	derive	VERB
fsr-3450	518	7	from	from	ADP
fsr-3450	518	8	a	a	DET
fsr-3450	518	9	dual	dual	ADJ
fsr-3450	518	10	-	-	PUNCT
fsr-3450	518	11	frame	frame	NOUN
fsr-3450	518	12	sample	sample	NOUN
fsr-3450	518	13	design	design	NOUN
fsr-3450	518	14	,	,	PUNCT
fsr-3450	518	15	with	with	ADP
fsr-3450	518	16	one	one	NUM
fsr-3450	518	17	frame	frame	NOUN
fsr-3450	518	18	including	include	VERB
fsr-3450	518	19	households	household	NOUN
fsr-3450	518	20	chosen	choose	VERB
fsr-3450	518	21	via	via	ADP
fsr-3450	518	22	an	an	DET
fsr-3450	518	23	area	area	NOUN
fsr-3450	518	24	probability	probability	NOUN
fsr-3450	518	25	sample	sample	NOUN
fsr-3450	518	26	and	and	CCONJ
fsr-3450	518	27	the	the	DET
fsr-3450	518	28	second	second	ADJ
fsr-3450	518	29	frame	frame	NOUN
fsr-3450	518	30	including	include	VERB
fsr-3450	518	31	households	household	NOUN
fsr-3450	518	32	selected	select	VERB
fsr-3450	518	33	from	from	ADP
fsr-3450	518	34	a	a	DET
fsr-3450	518	35	list	list	NOUN
fsr-3450	518	36	provided	provide	VERB
fsr-3450	518	37	by	by	ADP
fsr-3450	518	38	the	the	DET
fsr-3450	518	39	internal	internal	ADJ
fsr-3450	518	40	revenue	revenue	NOUN
fsr-3450	518	41	service	service	NOUN
fsr-3450	518	42	.	.	PUNCT
fsr-3450	519	1	the	the	DET
fsr-3450	519	2	second	second	ADJ
fsr-3450	519	3	selection	selection	NOUN
fsr-3450	519	4	frame	frame	NOUN
fsr-3450	519	5	has	have	AUX
fsr-3450	519	6	introduced	introduce	VERB
fsr-3450	519	7	the	the	DET
fsr-3450	519	8	problem	problem	NOUN
fsr-3450	519	9	of	of	ADP
fsr-3450	519	10	oversampling	oversample	VERB
fsr-3450	519	11	wealthy	wealthy	ADJ
fsr-3450	519	12	families	family	NOUN
fsr-3450	519	13	(	(	PUNCT
fsr-3450	519	14	nielsen	nielsen	PROPN
fsr-3450	519	15	,	,	PUNCT
fsr-3450	519	16	2015	2015	NUM
fsr-3450	519	17	)	)	PUNCT
fsr-3450	519	18	.	.	PUNCT
fsr-3450	520	1	11	11	NUM
fsr-3450	520	2	liability	liability	NOUN
fsr-3450	520	3	optimization	optimization	NOUN
fsr-3450	520	4	includes	include	VERB
fsr-3450	520	5	debt	debt	NOUN
fsr-3450	520	6	restructuring	restructuring	NOUN
fsr-3450	520	7	,	,	PUNCT
fsr-3450	520	8	loan	loan	NOUN
fsr-3450	520	9	reduction	reduction	NOUN
fsr-3450	520	10	,	,	PUNCT
fsr-3450	520	11	interest	interest	NOUN
fsr-3450	520	12	rate	rate	NOUN
fsr-3450	520	13	optimization	optimization	NOUN
fsr-3450	520	14	,	,	PUNCT
fsr-3450	520	15	behavior	behavior	NOUN
fsr-3450	520	16	coaching	coaching	NOUN
fsr-3450	520	17	,	,	PUNCT
fsr-3450	520	18	etc	etc	X
fsr-3450	520	19	.	.	X
fsr-3450	521	1	there	there	PRON
fsr-3450	521	2	are	be	VERB
fsr-3450	521	3	numerous	numerous	ADJ
fsr-3450	521	4	complexities	complexity	NOUN
fsr-3450	521	5	associated	associate	VERB
fsr-3450	521	6	with	with	ADP
fsr-3450	521	7	liability	liability	NOUN
fsr-3450	521	8	optimization	optimization	NOUN
fsr-3450	521	9	at	at	ADP
fsr-3450	521	10	the	the	DET
fsr-3450	521	11	individual	individual	ADJ
fsr-3450	521	12	household	household	NOUN
fsr-3450	521	13	level	level	NOUN
fsr-3450	521	14	.	.	PUNCT
fsr-3450	522	1	the	the	DET
fsr-3450	522	2	objective	objective	NOUN
fsr-3450	522	3	of	of	ADP
fsr-3450	522	4	this	this	DET
fsr-3450	522	5	article	article	NOUN
fsr-3450	522	6	is	be	AUX
fsr-3450	522	7	not	not	PART
fsr-3450	522	8	focused	focus	VERB
fsr-3450	522	9	on	on	ADP
fsr-3450	522	10	the	the	DET
fsr-3450	522	11	detailed	detailed	ADJ
fsr-3450	522	12	liability	liability	NOUN
fsr-3450	522	13	optimization	optimization	NOUN
fsr-3450	522	14	approaches	approach	NOUN
fsr-3450	522	15	,	,	PUNCT
fsr-3450	522	16	rather	rather	ADV
fsr-3450	522	17	to	to	PART
fsr-3450	522	18	better	well	ADV
fsr-3450	522	19	understand	understand	VERB
fsr-3450	522	20	which	which	DET
fsr-3450	522	21	types	type	NOUN
fsr-3450	522	22	of	of	ADP
fsr-3450	522	23	households	household	NOUN
fsr-3450	522	24	have	have	VERB
fsr-3450	522	25	higher	high	ADJ
fsr-3450	522	26	debts	debt	NOUN
fsr-3450	522	27	,	,	PUNCT
fsr-3450	522	28	in	in	ADP
fsr-3450	522	29	particular	particular	ADJ
fsr-3450	522	30	bad	bad	ADJ
fsr-3450	522	31	debts	debt	NOUN
fsr-3450	522	32	,	,	PUNCT
fsr-3450	522	33	and	and	CCONJ
fsr-3450	522	34	the	the	DET
fsr-3450	522	35	potential	potential	ADJ
fsr-3450	522	36	benefits	benefit	NOUN
fsr-3450	522	37	associated	associate	VERB
fsr-3450	522	38	with	with	ADP
fsr-3450	522	39	reducing	reduce	VERB
fsr-3450	522	40	the	the	DET
fsr-3450	522	41	interest	interest	NOUN
fsr-3450	522	42	on	on	ADP
fsr-3450	522	43	those	those	DET
fsr-3450	522	44	debts	debt	NOUN
fsr-3450	522	45	.	.	PUNCT
fsr-3450	523	1	140	140	NUM
fsr-3450	523	2	z.	z.	PROPN
fsr-3450	523	3	liu	liu	PROPN
fsr-3450	523	4	and	and	CCONJ
fsr-3450	523	5	d.	d.	PROPN
fsr-3450	523	6	m.	m.	PROPN
fsr-3450	523	7	blanchett	blanchett	PROPN
fsr-3450	523	8	/	/	SYM
fsr-3450	523	9	financial	financial	ADJ
fsr-3450	523	10	services	service	NOUN
fsr-3450	523	11	review	review	VERB
fsr-3450	523	12	29	29	NUM
fsr-3450	523	13	(	(	PUNCT
fsr-3450	523	14	2021	2021	NUM
fsr-3450	523	15	)	)	PUNCT
fsr-3450	524	1	121–145	121–145	NUM
fsr-3450	524	2	appendix	appendix	VERB
fsr-3450	524	3	a	a	DET
fsr-3450	524	4	sample	sample	NOUN
fsr-3450	524	5	balance	balance	NOUN
fsr-3450	524	6	sheet	sheet	NOUN
fsr-3450	524	7	for	for	ADP
fsr-3450	524	8	the	the	DET
fsr-3450	524	9	weighted	weight	VERB
fsr-3450	524	10	mean	mean	ADJ
fsr-3450	524	11	value	value	NOUN
fsr-3450	524	12	of	of	ADP
fsr-3450	524	13	the	the	DET
fsr-3450	524	14	2016	2016	NUM
fsr-3450	524	15	survey	survey	NOUN
fsr-3450	524	16	of	of	ADP
fsr-3450	524	17	consumer	consumer	NOUN
fsr-3450	524	18	finances	finance	NOUN
fsr-3450	524	19	households	household	NOUN
fsr-3450	524	20	assets	asset	NOUN
fsr-3450	524	21	category	category	NOUN
fsr-3450	524	22	subcategory	subcategory	PROPN
fsr-3450	524	23	sub	sub	ADJ
fsr-3450	524	24	-	-	ADJ
fsr-3450	524	25	category	category	ADJ
fsr-3450	524	26	detail	detail	NOUN
fsr-3450	524	27	amount	amount	NOUN
fsr-3450	524	28	sum	sum	NOUN
fsr-3450	524	29	total	total	ADJ
fsr-3450	524	30	percent	percent	NOUN
fsr-3450	524	31	of	of	ADP
fsr-3450	524	32	population	population	NOUN
fsr-3450	524	33	interest	interest	NOUN
fsr-3450	524	34	rate	rate	NOUN
fsr-3450	524	35	(	(	PUNCT
fsr-3450	524	36	estimateda	estimateda	PROPN
fsr-3450	524	37	)	)	PUNCT
fsr-3450	524	38	total	total	ADJ
fsr-3450	524	39	annual	annual	ADJ
fsr-3450	524	40	earnings	earning	NOUN
fsr-3450	524	41	financial	financial	ADJ
fsr-3450	524	42	assets	asset	NOUN
fsr-3450	524	43	$	$	SYM
fsr-3450	524	44	73,122.13	73,122.13	NUM
fsr-3450	524	45	98.29	98.29	NUM
fsr-3450	524	46	%	%	NOUN
fsr-3450	524	47	transaction	transaction	NOUN
fsr-3450	524	48	accounts	account	NOUN
fsr-3450	524	49	(	(	PUNCT
fsr-3450	524	50	liquid	liquid	NOUN
fsr-3450	524	51	)	)	PUNCT
fsr-3450	524	52	$	$	SYM
fsr-3450	524	53	13,590.40	13,590.40	NUM
fsr-3450	524	54	97.75	97.75	NUM
fsr-3450	524	55	%	%	NOUN
fsr-3450	524	56	0.20	0.20	NUM
fsr-3450	524	57	%	%	NOUN
fsr-3450	524	58	$	$	SYM
fsr-3450	524	59	27.18	27.18	NUM
fsr-3450	524	60	cds	cd	NOUN
fsr-3450	524	61	$	$	SYM
fsr-3450	524	62	1,485.40	1,485.40	NUM
fsr-3450	524	63	4.84	4.84	NUM
fsr-3450	524	64	%	%	NOUN
fsr-3450	524	65	0.96	0.96	NUM
fsr-3450	524	66	%	%	NOUN
fsr-3450	524	67	$	$	SYM
fsr-3450	524	68	14.26	14.26	NUM
fsr-3450	524	69	pooled	pool	VERB
fsr-3450	524	70	investment	investment	NOUN
fsr-3450	524	71	funds	fund	NOUN
fsr-3450	524	72	$	$	SYM
fsr-3450	524	73	4,569.21	4,569.21	NUM
fsr-3450	524	74	5.66	5.66	NUM
fsr-3450	524	75	%	%	NOUN
fsr-3450	524	76	5.61	5.61	NUM
fsr-3450	524	77	%	%	NOUN
fsr-3450	524	78	$	$	SYM
fsr-3450	524	79	256.52	256.52	NUM
fsr-3450	524	80	savings	saving	NOUN
fsr-3450	524	81	bonds	bond	NOUN
fsr-3450	524	82	$	$	SYM
fsr-3450	524	83	351.91	351.91	NUM
fsr-3450	524	84	7.33	7.33	NUM
fsr-3450	524	85	%	%	NOUN
fsr-3450	524	86	2.62	2.62	NUM
fsr-3450	524	87	%	%	NOUN
fsr-3450	524	88	$	$	SYM
fsr-3450	524	89	9.22	9.22	NUM
fsr-3450	524	90	directly	directly	ADV
fsr-3450	524	91	held	hold	VERB
fsr-3450	524	92	stocks	stock	NOUN
fsr-3450	524	93	$	$	SYM
fsr-3450	524	94	2,791.27	2,791.27	NUM
fsr-3450	524	95	9.20	9.20	NUM
fsr-3450	524	96	%	%	NOUN
fsr-3450	524	97	7.53	7.53	NUM
fsr-3450	524	98	%	%	NOUN
fsr-3450	524	99	$	$	SYM
fsr-3450	524	100	210.13	210.13	NUM
fsr-3450	524	101	directly	directly	ADV
fsr-3450	524	102	held	hold	VERB
fsr-3450	524	103	bonds	bond	NOUN
fsr-3450	524	104	$	$	SYM
fsr-3450	524	105	273.57	273.57	NUM
fsr-3450	524	106	0.38	0.38	NUM
fsr-3450	524	107	%	%	NOUN
fsr-3450	524	108	3.70	3.70	NUM
fsr-3450	524	109	%	%	NOUN
fsr-3450	524	110	$	$	SYM
fsr-3450	524	111	10.12	10.12	NUM
fsr-3450	524	112	cash	cash	NOUN
fsr-3450	524	113	value	value	NOUN
fsr-3450	524	114	of	of	ADP
fsr-3450	524	115	whole	whole	ADJ
fsr-3450	524	116	life	life	NOUN
fsr-3450	524	117	insurance	insurance	VERB
fsr-3450	524	118	$	$	SYM
fsr-3450	524	119	2,746.16	2,746.16	NUM
fsr-3450	524	120	17.23	17.23	NUM
fsr-3450	524	121	%	%	NOUN
fsr-3450	524	122	2.20	2.20	NUM
fsr-3450	524	123	%	%	NOUN
fsr-3450	524	124	$	$	SYM
fsr-3450	524	125	60.42	60.42	NUM
fsr-3450	524	126	other	other	ADJ
fsr-3450	524	127	managed	manage	VERB
fsr-3450	524	128	assets	asset	NOUN
fsr-3450	524	129	:	:	PUNCT
fsr-3450	524	130	$	$	SYM
fsr-3450	524	131	3,725.21	3,725.21	NUM
fsr-3450	524	132	3.35	3.35	NUM
fsr-3450	524	133	%	%	NOUN
fsr-3450	524	134	4.10	4.10	NUM
fsr-3450	524	135	%	%	NOUN
fsr-3450	524	136	$	$	SYM
fsr-3450	524	137	152.73	152.73	NUM
fsr-3450	524	138	annuities	annuity	NOUN
fsr-3450	524	139	$	$	SYM
fsr-3450	524	140	2,861.44	2,861.44	NUM
fsr-3450	524	141	trusts	trust	VERB
fsr-3450	524	142	$	$	SYM
fsr-3450	524	143	863.77	863.77	NUM
fsr-3450	524	144	quasi	quasi	ADJ
fsr-3450	524	145	-	-	ADJ
fsr-3450	524	146	liquid	liquid	ADJ
fsr-3450	524	147	retirement	retirement	NOUN
fsr-3450	524	148	accounts	account	VERB
fsr-3450	524	149	$	$	SYM
fsr-3450	524	150	42,112.74	42,112.74	NUM
fsr-3450	524	151	48.04	48.04	NUM
fsr-3450	524	152	%	%	NOUN
fsr-3450	524	153	4.00	4.00	NUM
fsr-3450	524	154	%	%	NOUN
fsr-3450	524	155	$	$	SYM
fsr-3450	524	156	1,684.51	1,684.51	NUM
fsr-3450	524	157	other	other	ADJ
fsr-3450	524	158	misc	misc	NOUN
fsr-3450	524	159	.	.	PUNCT
fsr-3450	525	1	financial	financial	ADJ
fsr-3450	525	2	assets	asset	NOUN
fsr-3450	525	3	$	$	SYM
fsr-3450	525	4	1,476.26	1,476.26	NUM
fsr-3450	525	5	8.29	8.29	NUM
fsr-3450	525	6	%	%	NOUN
fsr-3450	525	7	4.00	4.00	NUM
fsr-3450	525	8	%	%	NOUN
fsr-3450	525	9	$	$	SYM
fsr-3450	525	10	59.05	59.05	NUM
fsr-3450	525	11	nonfinancial	nonfinancial	ADJ
fsr-3450	525	12	assets	asset	NOUN
fsr-3450	525	13	$	$	SYM
fsr-3450	525	14	159,244.50	159,244.50	NUM
fsr-3450	525	15	89.76	89.76	NUM
fsr-3450	525	16	%	%	NOUN
fsr-3450	525	17	vehicles	vehicle	NOUN
fsr-3450	525	18	(	(	PUNCT
fsr-3450	525	19	rvs	rvs	NOUN
fsr-3450	525	20	,	,	PUNCT
fsr-3450	525	21	planes	plane	NOUN
fsr-3450	525	22	,	,	PUNCT
fsr-3450	525	23	boats	boat	NOUN
fsr-3450	525	24	,	,	PUNCT
fsr-3450	525	25	etc	etc	X
fsr-3450	525	26	.	.	X
fsr-3450	525	27	)	)	PUNCT
fsr-3450	526	1	$	$	SYM
fsr-3450	526	2	17,982.83	17,982.83	NUM
fsr-3450	526	3	84.47	84.47	NUM
fsr-3450	526	4	%	%	NOUN
fsr-3450	526	5	primary	primary	ADJ
fsr-3450	526	6	residence	residence	NOUN
fsr-3450	526	7	$	$	SYM
fsr-3450	526	8	118,573.20	118,573.20	NUM
fsr-3450	526	9	59.54	59.54	NUM
fsr-3450	526	10	%	%	NOUN
fsr-3450	526	11	residential	residential	ADJ
fsr-3450	526	12	property	property	NOUN
fsr-3450	526	13	excluding	exclude	VERB
fsr-3450	526	14	primary	primary	ADJ
fsr-3450	526	15	residence	residence	NOUN
fsr-3450	526	16	$	$	SYM
fsr-3450	526	17	11,071.96	11,071.96	NUM
fsr-3450	526	18	9.12	9.12	NUM
fsr-3450	526	19	%	%	NOUN
fsr-3450	526	20	net	net	ADJ
fsr-3450	526	21	equity	equity	NOUN
fsr-3450	526	22	in	in	ADP
fsr-3450	526	23	nonresidential	nonresidential	ADJ
fsr-3450	526	24	real	real	ADJ
fsr-3450	526	25	estate	estate	NOUN
fsr-3450	526	26	$	$	SYM
fsr-3450	526	27	2,780.49	2,780.49	NUM
fsr-3450	526	28	4.22	4.22	NUM
fsr-3450	526	29	%	%	NOUN
fsr-3450	526	30	businesses	business	NOUN
fsr-3450	526	31	$	$	SYM
fsr-3450	526	32	7,812.36	7,812.36	NUM
fsr-3450	526	33	9.23	9.23	NUM
fsr-3450	526	34	%	%	NOUN
fsr-3450	526	35	other	other	ADJ
fsr-3450	526	36	misc	misc	NOUN
fsr-3450	526	37	.	.	PUNCT
fsr-3450	527	1	nonfinancial	nonfinancial	ADJ
fsr-3450	527	2	assets	asset	NOUN
fsr-3450	527	3	$	$	SYM
fsr-3450	527	4	1,023.67	1,023.67	NUM
fsr-3450	527	5	4.92	4.92	NUM
fsr-3450	527	6	%	%	NOUN
fsr-3450	527	7	total	total	ADJ
fsr-3450	527	8	assets	asset	NOUN
fsr-3450	527	9	$	$	SYM
fsr-3450	527	10	232,366.60	232,366.60	NUM
fsr-3450	527	11	99.32	99.32	NUM
fsr-3450	527	12	%	%	NOUN
fsr-3450	527	13	net	net	ADJ
fsr-3450	527	14	worth	worth	ADJ
fsr-3450	527	15	$	$	SYM
fsr-3450	527	16	156,181.85	156,181.85	NUM
fsr-3450	527	17	total	total	ADJ
fsr-3450	527	18	investment	investment	NOUN
fsr-3450	527	19	assets	asset	NOUN
fsr-3450	527	20	$	$	SYM
fsr-3450	527	21	73,122.12	73,122.12	NUM
fsr-3450	527	22	$	$	SYM
fsr-3450	527	23	2,484.13	2,484.13	NUM
fsr-3450	527	24	total	total	ADJ
fsr-3450	527	25	financial	financial	ADJ
fsr-3450	527	26	assets	asset	NOUN
fsr-3450	527	27	less	less	ADV
fsr-3450	527	28	total	total	ADJ
fsr-3450	527	29	debt	debt	NOUN
fsr-3450	527	30	$	$	SYM
fsr-3450	527	31	(	(	PUNCT
fsr-3450	527	32	3,062.63	3,062.63	NUM
fsr-3450	527	33	)	)	PUNCT
fsr-3450	527	34	mortgages	mortgage	NOUN
fsr-3450	527	35	(	(	PUNCT
fsr-3450	527	36	including	include	VERB
fsr-3450	527	37	home	home	NOUN
fsr-3450	527	38	equity	equity	NOUN
fsr-3450	527	39	loans	loan	NOUN
fsr-3450	527	40	,	,	PUNCT
fsr-3450	527	41	helocs	helocs	ADJ
fsr-3450	527	42	)	)	PUNCT
fsr-3450	527	43	debt	debt	NOUN
fsr-3450	527	44	secured	secure	VERB
fsr-3450	527	45	by	by	ADP
fsr-3450	527	46	primary	primary	ADJ
fsr-3450	527	47	residence	residence	NOUN
fsr-3450	527	48	:	:	PUNCT
fsr-3450	527	49	$	$	SYM
fsr-3450	527	50	53,249.90	53,249.90	NUM
fsr-3450	527	51	40.67	40.67	NUM
fsr-3450	527	52	%	%	NOUN
fsr-3450	527	53	mortgages	mortgage	NOUN
fsr-3450	527	54	and	and	CCONJ
fsr-3450	527	55	home	home	NOUN
fsr-3450	527	56	equity	equity	NOUN
fsr-3450	527	57	loans	loan	NOUN
fsr-3450	527	58	secured	secure	VERB
fsr-3450	527	59	by	by	ADP
fsr-3450	527	60	primary	primary	ADJ
fsr-3450	527	61	residence	residence	NOUN
fsr-3450	527	62	$	$	SYM
fsr-3450	527	63	51,818.03	51,818.03	NUM
fsr-3450	527	64	39.27	39.27	NUM
fsr-3450	527	65	%	%	NOUN
fsr-3450	527	66	4.51	4.51	NUM
fsr-3450	527	67	%	%	NOUN
fsr-3450	527	68	$	$	SYM
fsr-3450	527	69	2,336.99	2,336.99	NUM
fsr-3450	527	70	home	home	NOUN
fsr-3450	527	71	equity	equity	NOUN
fsr-3450	527	72	lines	line	NOUN
fsr-3450	527	73	of	of	ADP
fsr-3450	527	74	credit	credit	NOUN
fsr-3450	527	75	secured	secure	VERB
fsr-3450	527	76	by	by	ADP
fsr-3450	527	77	primary	primary	ADJ
fsr-3450	527	78	residence	residence	NOUN
fsr-3450	527	79	$	$	SYM
fsr-3450	527	80	1,431.87	1,431.87	NUM
fsr-3450	527	81	3.59	3.59	NUM
fsr-3450	527	82	%	%	NOUN
fsr-3450	527	83	5.81	5.81	NUM
fsr-3450	527	84	%	%	NOUN
fsr-3450	527	85	$	$	SYM
fsr-3450	527	86	83.19	83.19	NUM
fsr-3450	527	87	debt	debt	NOUN
fsr-3450	527	88	secured	secure	VERB
fsr-3450	527	89	by	by	ADP
fsr-3450	527	90	other	other	ADJ
fsr-3450	527	91	residential	residential	ADJ
fsr-3450	527	92	property	property	NOUN
fsr-3450	527	93	$	$	SYM
fsr-3450	527	94	3,875.32	3,875.32	NUM
fsr-3450	527	95	3.87	3.87	NUM
fsr-3450	527	96	%	%	NOUN
fsr-3450	527	97	5.45	5.45	NUM
fsr-3450	527	98	%	%	NOUN
fsr-3450	527	99	$	$	SYM
fsr-3450	527	100	211.20	211.20	NUM
fsr-3450	527	101	other	other	ADJ
fsr-3450	527	102	lines	line	NOUN
fsr-3450	527	103	of	of	ADP
fsr-3450	527	104	credit	credit	NOUN
fsr-3450	527	105	(	(	PUNCT
fsr-3450	527	106	not	not	PART
fsr-3450	527	107	secured	secure	VERB
fsr-3450	527	108	by	by	ADP
fsr-3450	527	109	residential	residential	ADJ
fsr-3450	527	110	real	real	ADJ
fsr-3450	527	111	estate	estate	NOUN
fsr-3450	527	112	)	)	PUNCT
fsr-3450	527	113	$	$	SYM
fsr-3450	527	114	143.90	143.90	NUM
fsr-3450	527	115	1.80	1.80	NUM
fsr-3450	527	116	%	%	NOUN
fsr-3450	527	117	6.00	6.00	NUM
fsr-3450	527	118	%	%	NOUN
fsr-3450	527	119	$	$	SYM
fsr-3450	527	120	8.63	8.63	NUM
fsr-3450	527	121	credit	credit	NOUN
fsr-3450	527	122	card	card	NOUN
fsr-3450	527	123	balances	balance	NOUN
fsr-3450	527	124	after	after	ADP
fsr-3450	527	125	last	last	ADJ
fsr-3450	527	126	payment	payment	NOUN
fsr-3450	527	127	$	$	SYM
fsr-3450	527	128	2,581.29	2,581.29	NUM
fsr-3450	527	129	47.79	47.79	NUM
fsr-3450	527	130	%	%	NOUN
fsr-3450	527	131	15.09	15.09	NUM
fsr-3450	527	132	%	%	NOUN
fsr-3450	527	133	$	$	SYM
fsr-3450	527	134	389.52	389.52	NUM
fsr-3450	527	135	installment	installment	NOUN
fsr-3450	527	136	loans	loan	NOUN
fsr-3450	527	137	$	$	SYM
fsr-3450	527	138	15,794.03	15,794.03	NUM
fsr-3450	527	139	53.50	53.50	NUM
fsr-3450	527	140	%	%	NOUN
fsr-3450	527	141	16.27	16.27	NUM
fsr-3450	527	142	%	%	NOUN
fsr-3450	527	143	education	education	NOUN
fsr-3450	527	144	loans	loan	NOUN
fsr-3450	527	145	$	$	SYM
fsr-3450	527	146	8,390.03	8,390.03	NUM
fsr-3450	527	147	24.69	24.69	NUM
fsr-3450	527	148	%	%	NOUN
fsr-3450	527	149	5.92	5.92	NUM
fsr-3450	527	150	%	%	NOUN
fsr-3450	527	151	$	$	SYM
fsr-3450	527	152	496.69	496.69	NUM
fsr-3450	527	153	vehicle	vehicle	NOUN
fsr-3450	527	154	loans	loan	NOUN
fsr-3450	527	155	$	$	SYM
fsr-3450	527	156	5,764.13	5,764.13	NUM
fsr-3450	527	157	35.36	35.36	NUM
fsr-3450	527	158	%	%	NOUN
fsr-3450	527	159	6.63	6.63	NUM
fsr-3450	527	160	%	%	NOUN
fsr-3450	527	161	$	$	SYM
fsr-3450	527	162	382.39	382.39	NUM
fsr-3450	527	163	other	other	ADJ
fsr-3450	527	164	installment	installment	NOUN
fsr-3450	527	165	loans	loan	NOUN
fsr-3450	527	166	$	$	SYM
fsr-3450	527	167	1,639.87	1,639.87	NUM
fsr-3450	527	168	12.51	12.51	NUM
fsr-3450	527	169	%	%	NOUN
fsr-3450	527	170	6.00	6.00	NUM
fsr-3450	527	171	%	%	NOUN
fsr-3450	527	172	$	$	SYM
fsr-3450	527	173	98.39	98.39	NUM
fsr-3450	527	174	(	(	PUNCT
fsr-3450	527	175	continued	continue	VERB
fsr-3450	527	176	on	on	ADP
fsr-3450	527	177	next	next	ADJ
fsr-3450	527	178	page	page	NOUN
fsr-3450	527	179	)	)	PUNCT
fsr-3450	528	1	z.	z.	PROPN
fsr-3450	528	2	liu	liu	PROPN
fsr-3450	528	3	and	and	CCONJ
fsr-3450	528	4	d.	d.	PROPN
fsr-3450	528	5	m.	m.	PROPN
fsr-3450	528	6	blanchett	blanchett	PROPN
fsr-3450	528	7	/	/	SYM
fsr-3450	528	8	financial	financial	ADJ
fsr-3450	528	9	services	service	NOUN
fsr-3450	528	10	review	review	VERB
fsr-3450	528	11	29	29	NUM
fsr-3450	528	12	(	(	PUNCT
fsr-3450	528	13	2021	2021	NUM
fsr-3450	528	14	)	)	PUNCT
fsr-3450	529	1	121–145	121–145	NUM
fsr-3450	529	2	141	141	NUM
fsr-3450	529	3	appendix	appendix	NOUN
fsr-3450	529	4	a	a	DET
fsr-3450	529	5	(	(	PUNCT
fsr-3450	529	6	continued	continued	ADJ
fsr-3450	529	7	)	)	PUNCT
fsr-3450	529	8	assets	asset	NOUN
fsr-3450	529	9	category	category	NOUN
fsr-3450	529	10	subcategory	subcategory	PROPN
fsr-3450	529	11	sub	sub	ADJ
fsr-3450	529	12	-	-	ADJ
fsr-3450	529	13	category	category	ADJ
fsr-3450	529	14	detail	detail	NOUN
fsr-3450	529	15	amount	amount	NOUN
fsr-3450	529	16	sum	sum	NOUN
fsr-3450	529	17	total	total	ADJ
fsr-3450	529	18	percent	percent	NOUN
fsr-3450	529	19	of	of	ADP
fsr-3450	529	20	population	population	NOUN
fsr-3450	529	21	interest	interest	NOUN
fsr-3450	529	22	rate	rate	NOUN
fsr-3450	529	23	(	(	PUNCT
fsr-3450	529	24	estimateda	estimateda	PROPN
fsr-3450	529	25	)	)	PUNCT
fsr-3450	529	26	total	total	ADJ
fsr-3450	529	27	annual	annual	ADJ
fsr-3450	529	28	earnings	earning	NOUN
fsr-3450	529	29	other	other	ADJ
fsr-3450	529	30	debt	debt	NOUN
fsr-3450	529	31	(	(	PUNCT
fsr-3450	529	32	e.g.	e.g.	ADV
fsr-3450	529	33	,	,	PUNCT
fsr-3450	529	34	loans	loan	NOUN
fsr-3450	529	35	against	against	ADP
fsr-3450	529	36	pensions	pension	NOUN
fsr-3450	529	37	or	or	CCONJ
fsr-3450	529	38	life	life	NOUN
fsr-3450	529	39	insurance	insurance	NOUN
fsr-3450	529	40	,	,	PUNCT
fsr-3450	529	41	margin	margin	NOUN
fsr-3450	529	42	loans	loan	NOUN
fsr-3450	529	43	)	)	PUNCT
fsr-3450	529	44	$	$	SYM
fsr-3450	529	45	540.31	540.31	NUM
fsr-3450	529	46	5.35	5.35	NUM
fsr-3450	529	47	%	%	NOUN
fsr-3450	529	48	6.00	6.00	NUM
fsr-3450	529	49	%	%	NOUN
fsr-3450	529	50	$	$	SYM
fsr-3450	529	51	32.42	32.42	NUM
fsr-3450	529	52	total	total	ADJ
fsr-3450	529	53	debt	debt	NOUN
fsr-3450	529	54	$	$	SYM
fsr-3450	529	55	76,184.75	76,184.75	NOUN
fsr-3450	529	56	79.24	79.24	NUM
fsr-3450	529	57	%	%	NOUN
fsr-3450	529	58	$	$	SYM
fsr-3450	529	59	4,039.43	4,039.43	NUM
fsr-3450	529	60	total	total	ADJ
fsr-3450	529	61	asset	asset	NOUN
fsr-3450	529	62	return	return	VERB
fsr-3450	529	63	less	less	ADJ
fsr-3450	529	64	total	total	ADJ
fsr-3450	529	65	interest	interest	NOUN
fsr-3450	529	66	charges	charge	NOUN
fsr-3450	529	67	$	$	SYM
fsr-3450	529	68	(	(	PUNCT
fsr-3450	529	69	1,547.19	1,547.19	NUM
fsr-3450	529	70	)	)	PUNCT
fsr-3450	529	71	financial	financial	ADJ
fsr-3450	529	72	asset	asset	NOUN
fsr-3450	529	73	to	to	ADP
fsr-3450	529	74	debt	debt	NOUN
fsr-3450	529	75	ratio	ratio	NOUN
fsr-3450	529	76	0.960	0.960	NUM
fsr-3450	529	77	notes	note	VERB
fsr-3450	529	78	:	:	PUNCT
fsr-3450	529	79	sample	sample	NOUN
fsr-3450	529	80	weights	weight	NOUN
fsr-3450	529	81	applied	apply	VERB
fsr-3450	529	82	.	.	PUNCT
fsr-3450	530	1	number	number	NOUN
fsr-3450	530	2	of	of	ADP
fsr-3450	530	3	households	household	NOUN
fsr-3450	530	4	:	:	PUNCT
fsr-3450	530	5	4,481	4,481	NUM
fsr-3450	530	6	;	;	PUNCT
fsr-3450	530	7	net	net	ADJ
fsr-3450	530	8	worth	worth	ADJ
fsr-3450	530	9	<	<	X
fsr-3450	530	10	$	$	SYM
fsr-3450	530	11	1million	1million	NUM
fsr-3450	530	12	;	;	PUNCT
fsr-3450	530	13	income	income	NOUN
fsr-3450	530	14	>	>	X
fsr-3450	530	15	$	$	SYM
fsr-3450	530	16	1,000	1,000	NUM
fsr-3450	530	17	;	;	PUNCT
fsr-3450	530	18	age	age	NOUN
fsr-3450	530	19	:	:	PUNCT
fsr-3450	530	20	20–85	20–85	NUM
fsr-3450	530	21	.	.	PUNCT
fsr-3450	531	1	a	a	DET
fsr-3450	531	2	interest	interest	NOUN
fsr-3450	531	3	rate	rate	NOUN
fsr-3450	531	4	estimation	estimation	NOUN
fsr-3450	531	5	sources	source	NOUN
fsr-3450	531	6	:	:	PUNCT
fsr-3450	531	7	cds	cd	NOUN
fsr-3450	531	8	:	:	PUNCT
fsr-3450	531	9	fred	fred	PROPN
fsr-3450	531	10	,	,	PUNCT
fsr-3450	531	11	federal	federal	PROPN
fsr-3450	531	12	reserve	reserve	PROPN
fsr-3450	531	13	bank	bank	PROPN
fsr-3450	531	14	of	of	ADP
fsr-3450	531	15	st	st	PROPN
fsr-3450	531	16	.	.	PROPN
fsr-3450	531	17	louis	louis	PROPN
fsr-3450	531	18	.	.	PROPN
fsr-3450	531	19	averaged	average	VERB
fsr-3450	531	20	since	since	SCONJ
fsr-3450	531	21	2008	2008	NUM
fsr-3450	531	22	.	.	PUNCT
fsr-3450	532	1	pooled	pool	VERB
fsr-3450	532	2	investment	investment	NOUN
fsr-3450	532	3	fund	fund	NOUN
fsr-3450	532	4	:	:	PUNCT
fsr-3450	532	5	assumes	assume	VERB
fsr-3450	532	6	50	50	NUM
fsr-3450	532	7	%	%	NOUN
fsr-3450	532	8	stocks	stock	NOUN
fsr-3450	532	9	and	and	CCONJ
fsr-3450	532	10	50	50	NUM
fsr-3450	532	11	%	%	NOUN
fsr-3450	532	12	bonds	bond	NOUN
fsr-3450	532	13	.	.	PUNCT
fsr-3450	533	1	uses	use	VERB
fsr-3450	533	2	the	the	DET
fsr-3450	533	3	average	average	NOUN
fsr-3450	533	4	for	for	ADP
fsr-3450	533	5	mutual	mutual	ADJ
fsr-3450	533	6	fund	fund	NOUN
fsr-3450	533	7	return	return	NOUN
fsr-3450	533	8	.	.	PUNCT
fsr-3450	534	1	savings	saving	NOUN
fsr-3450	534	2	bonds	bond	NOUN
fsr-3450	534	3	:	:	PUNCT
fsr-3450	534	4	us	us	PROPN
fsr-3450	534	5	department	department	NOUN
fsr-3450	534	6	of	of	ADP
fsr-3450	534	7	the	the	DET
fsr-3450	534	8	treasury	treasury	NOUN
fsr-3450	534	9	,	,	PUNCT
fsr-3450	534	10	10	10	NUM
fsr-3450	534	11	-	-	PUNCT
fsr-3450	534	12	year	year	NOUN
fsr-3450	534	13	high	high	ADJ
fsr-3450	534	14	quality	quality	NOUN
fsr-3450	534	15	market	market	NOUN
fsr-3450	534	16	(	(	PUNCT
fsr-3450	534	17	hqm	hqm	NOUN
fsr-3450	534	18	)	)	PUNCT
fsr-3450	534	19	corporate	corporate	ADJ
fsr-3450	534	20	bond	bond	NOUN
fsr-3450	534	21	spot	spot	NOUN
fsr-3450	534	22	rate	rate	NOUN
fsr-3450	534	23	[	[	X
fsr-3450	534	24	hqmcb10yr	hqmcb10yr	X
fsr-3450	534	25	]	]	PUNCT
fsr-3450	534	26	.	.	PUNCT
fsr-3450	535	1	directly	directly	ADV
fsr-3450	535	2	held	hold	VERB
fsr-3450	535	3	stocks	stock	NOUN
fsr-3450	535	4	:	:	PUNCT
fsr-3450	535	5	s&p	s&p	PROPN
fsr-3450	535	6	500	500	NUM
fsr-3450	535	7	return	return	NOUN
fsr-3450	535	8	calculator	calculator	NOUN
fsr-3450	535	9	,	,	PUNCT
fsr-3450	535	10	with	with	ADP
fsr-3450	535	11	dividend	dividend	NOUN
fsr-3450	535	12	reinvestment	reinvestment	NOUN
fsr-3450	535	13	.	.	PUNCT
fsr-3450	536	1	(	(	PUNCT
fsr-3450	536	2	2019	2019	NUM
fsr-3450	536	3	)	)	PUNCT
fsr-3450	536	4	.	.	PUNCT
fsr-3450	537	1	retrieved	retrieve	VERB
fsr-3450	537	2	march	march	PROPN
fsr-3450	537	3	22	22	NUM
fsr-3450	537	4	,	,	PUNCT
fsr-3450	537	5	2019	2019	NUM
fsr-3450	537	6	.	.	PUNCT
fsr-3450	538	1	directly	directly	ADV
fsr-3450	538	2	held	hold	VERB
fsr-3450	538	3	bonds	bond	NOUN
fsr-3450	538	4	:	:	PUNCT
fsr-3450	538	5	us	us	PROPN
fsr-3450	538	6	department	department	NOUN
fsr-3450	538	7	of	of	ADP
fsr-3450	538	8	the	the	DET
fsr-3450	538	9	treasury	treasury	NOUN
fsr-3450	538	10	,	,	PUNCT
fsr-3450	538	11	10	10	NUM
fsr-3450	538	12	-	-	PUNCT
fsr-3450	538	13	year	year	NOUN
fsr-3450	538	14	high	high	ADJ
fsr-3450	538	15	quality	quality	NOUN
fsr-3450	538	16	market	market	NOUN
fsr-3450	538	17	(	(	PUNCT
fsr-3450	538	18	hqm	hqm	NOUN
fsr-3450	538	19	)	)	PUNCT
fsr-3450	538	20	corporate	corporate	ADJ
fsr-3450	538	21	bond	bond	NOUN
fsr-3450	538	22	spot	spot	NOUN
fsr-3450	538	23	rate	rate	NOUN
fsr-3450	538	24	[	[	X
fsr-3450	538	25	hqmcb10yr	hqmcb10yr	X
fsr-3450	538	26	]	]	PUNCT
fsr-3450	538	27	.	.	PUNCT
fsr-3450	539	1	retrieved	retrieve	VERB
fsr-3450	539	2	march	march	PROPN
fsr-3450	539	3	22	22	NUM
fsr-3450	539	4	,	,	PUNCT
fsr-3450	539	5	2019	2019	NUM
fsr-3450	539	6	,	,	PUNCT
fsr-3450	539	7	from	from	ADP
fsr-3450	539	8	fred	fred	ADJ
fsr-3450	539	9	,	,	PUNCT
fsr-3450	539	10	federal	federal	PROPN
fsr-3450	539	11	reserve	reserve	PROPN
fsr-3450	539	12	bank	bank	PROPN
fsr-3450	539	13	of	of	ADP
fsr-3450	539	14	st	st	PROPN
fsr-3450	539	15	.	.	PROPN
fsr-3450	539	16	louis	louis	PROPN
fsr-3450	539	17	.	.	PROPN
fsr-3450	540	1	142	142	NUM
fsr-3450	540	2	z.	z.	PROPN
fsr-3450	540	3	liu	liu	PROPN
fsr-3450	540	4	and	and	CCONJ
fsr-3450	540	5	d.	d.	PROPN
fsr-3450	540	6	m.	m.	PROPN
fsr-3450	540	7	blanchett	blanchett	PROPN
fsr-3450	540	8	/	/	SYM
fsr-3450	540	9	financial	financial	ADJ
fsr-3450	540	10	services	service	NOUN
fsr-3450	540	11	review	review	VERB
fsr-3450	540	12	29	29	NUM
fsr-3450	540	13	(	(	PUNCT
fsr-3450	540	14	2021	2021	NUM
fsr-3450	540	15	)	)	PUNCT
fsr-3450	541	1	121–145	121–145	NUM
fsr-3450	541	2	appendix	appendix	NOUN
fsr-3450	541	3	b	b	ADP
fsr-3450	541	4	descriptive	descriptive	ADJ
fsr-3450	541	5	statistics	statistic	NOUN
fsr-3450	541	6	of	of	ADP
fsr-3450	541	7	the	the	DET
fsr-3450	541	8	analysis	analysis	NOUN
fsr-3450	541	9	sample	sample	NOUN
fsr-3450	541	10	variable	variable	ADJ
fsr-3450	541	11	definition	definition	NOUN
fsr-3450	541	12	/	/	SYM
fsr-3450	541	13	explanations	explanation	NOUN
fsr-3450	541	14	mean	mean	VERB
fsr-3450	541	15	sd	sd	ADP
fsr-3450	541	16	min	min	PROPN
fsr-3450	541	17	.	.	PROPN
fsr-3450	541	18	max	max	PROPN
fsr-3450	541	19	.	.	PROPN
fsr-3450	542	1	have	have	AUX
fsr-3450	542	2	debt	debt	NOUN
fsr-3450	542	3	(	(	PUNCT
fsr-3450	542	4	yes	yes	INTJ
fsr-3450	542	5	=	=	SYM
fsr-3450	542	6	1	1	NUM
fsr-3450	542	7	,	,	PUNCT
fsr-3450	542	8	no	no	PRON
fsr-3450	542	9	=	=	NOUN
fsr-3450	542	10	0	0	NUM
fsr-3450	542	11	)	)	PUNCT
fsr-3450	542	12	0.7924	0.7924	NUM
fsr-3450	542	13	0.4056	0.4056	NUM
fsr-3450	542	14	0	0	NUM
fsr-3450	542	15	1	1	NUM
fsr-3450	542	16	debt	debt	NOUN
fsr-3450	542	17	amount	amount	NOUN
fsr-3450	542	18	dollar	dollar	NOUN
fsr-3450	542	19	amount	amount	NOUN
fsr-3450	542	20	of	of	ADP
fsr-3450	542	21	total	total	ADJ
fsr-3450	542	22	debt	debt	NOUN
fsr-3450	542	23	$	$	SYM
fsr-3450	542	24	76,185	76,185	NUM
fsr-3450	542	25	$	$	SYM
fsr-3450	542	26	117,866	117,866	NUM
fsr-3450	542	27	$	$	SYM
fsr-3450	542	28	0	0	NUM
fsr-3450	542	29	$	$	SYM
fsr-3450	542	30	2,630,000	2,630,000	NUM
fsr-3450	542	31	married	married	ADJ
fsr-3450	542	32	(	(	PUNCT
fsr-3450	542	33	yes	yes	INTJ
fsr-3450	542	34	=	=	SYM
fsr-3450	542	35	1	1	NUM
fsr-3450	542	36	,	,	PUNCT
fsr-3450	542	37	no	no	PRON
fsr-3450	542	38	=	=	NOUN
fsr-3450	542	39	0	0	NUM
fsr-3450	542	40	)	)	PUNCT
fsr-3450	542	41	0.5433	0.5433	NUM
fsr-3450	542	42	0.4981	0.4981	NUM
fsr-3450	542	43	0	0	NUM
fsr-3450	542	44	1	1	NUM
fsr-3450	542	45	number	number	NOUN
fsr-3450	542	46	of	of	ADP
fsr-3450	542	47	children	child	NOUN
fsr-3450	542	48	in	in	ADP
fsr-3450	542	49	household	household	NOUN
fsr-3450	542	50	total	total	ADJ
fsr-3450	542	51	number	number	NOUN
fsr-3450	542	52	of	of	ADP
fsr-3450	542	53	children	child	NOUN
fsr-3450	542	54	in	in	ADP
fsr-3450	542	55	the	the	DET
fsr-3450	542	56	household	household	NOUN
fsr-3450	542	57	0.7989	0.7989	NUM
fsr-3450	542	58	1.1334	1.1334	NUM
fsr-3450	542	59	0	0	NUM
fsr-3450	542	60	7	7	NUM
fsr-3450	542	61	education	education	NOUN
fsr-3450	542	62	level	level	NOUN
fsr-3450	542	63	highest	high	ADJ
fsr-3450	542	64	level	level	NOUN
fsr-3450	542	65	of	of	ADP
fsr-3450	542	66	education	education	NOUN
fsr-3450	542	67	completed	complete	VERB
fsr-3450	542	68	according	accord	VERB
fsr-3450	542	69	to	to	ADP
fsr-3450	542	70	the	the	DET
fsr-3450	542	71	scf	scf	PROPN
fsr-3450	542	72	standard	standard	ADJ
fsr-3450	542	73	categoriesa	categoriesa	PROPN
fsr-3450	542	74	9.2774	9.2774	NUM
fsr-3450	542	75	2.7128	2.7128	NUM
fsr-3450	542	76	0	0	NUM
fsr-3450	542	77	14	14	NUM
fsr-3450	542	78	real	real	ADJ
fsr-3450	542	79	assets	asset	NOUN
fsr-3450	542	80	total	total	ADJ
fsr-3450	542	81	value	value	NOUN
fsr-3450	542	82	of	of	ADP
fsr-3450	542	83	real	real	ADJ
fsr-3450	542	84	assetsb	assetsb	ADJ
fsr-3450	542	85	$	$	SYM
fsr-3450	542	86	150,409	150,409	NUM
fsr-3450	542	87	$	$	SYM
fsr-3450	542	88	185,257	185,257	NUM
fsr-3450	542	89	$	$	SYM
fsr-3450	542	90	0	0	NUM
fsr-3450	542	91	$	$	SYM
fsr-3450	542	92	2,282,900	2,282,900	NUM
fsr-3450	542	93	liquid	liquid	ADJ
fsr-3450	542	94	assets	asset	NOUN
fsr-3450	542	95	all	all	DET
fsr-3450	542	96	types	type	NOUN
fsr-3450	542	97	of	of	ADP
fsr-3450	542	98	transaction	transaction	NOUN
fsr-3450	542	99	accountsc	accountsc	ADJ
fsr-3450	542	100	$	$	SYM
fsr-3450	542	101	13,590	13,590	NUM
fsr-3450	542	102	$	$	SYM
fsr-3450	542	103	32,926	32,926	NUM
fsr-3450	542	104	$	$	SYM
fsr-3450	542	105	0	0	NUM
fsr-3450	542	106	$	$	SYM
fsr-3450	542	107	572,000	572,000	NUM
fsr-3450	542	108	leverage	leverage	NOUN
fsr-3450	542	109	ratio	ratio	NOUN
fsr-3450	542	110	total	total	ADJ
fsr-3450	542	111	debt	debt	NOUN
fsr-3450	542	112	/	/	SYM
fsr-3450	542	113	total	total	ADJ
fsr-3450	542	114	asset	asset	NOUN
fsr-3450	542	115	12.8096	12.8096	NUM
fsr-3450	542	116	462.9600	462.9600	NUM
fsr-3450	542	117	0	0	NUM
fsr-3450	542	118	25,750	25,750	NUM
fsr-3450	542	119	own	own	ADJ
fsr-3450	542	120	houses	house	NOUN
fsr-3450	542	121	(	(	PUNCT
fsr-3450	542	122	yes	yes	INTJ
fsr-3450	542	123	=	=	SYM
fsr-3450	542	124	1	1	NUM
fsr-3450	542	125	,	,	PUNCT
fsr-3450	542	126	no	no	PRON
fsr-3450	542	127	=	=	NOUN
fsr-3450	542	128	0	0	NUM
fsr-3450	542	129	)	)	PUNCT
fsr-3450	542	130	0.5954	0.5954	NUM
fsr-3450	542	131	0.4908	0.4908	NUM
fsr-3450	542	132	0	0	NUM
fsr-3450	542	133	1	1	NUM
fsr-3450	542	134	have	have	VERB
fsr-3450	542	135	savings	saving	NOUN
fsr-3450	542	136	have	have	VERB
fsr-3450	542	137	more	more	ADJ
fsr-3450	542	138	than	than	ADP
fsr-3450	542	139	$	$	SYM
fsr-3450	542	140	0	0	NUM
fsr-3450	542	141	in	in	ADP
fsr-3450	542	142	savings	saving	NOUN
fsr-3450	542	143	?	?	PUNCT
fsr-3450	543	1	(	(	PUNCT
fsr-3450	543	2	yes	yes	INTJ
fsr-3450	543	3	=	=	SYM
fsr-3450	543	4	1	1	NUM
fsr-3450	543	5	,	,	PUNCT
fsr-3450	543	6	no	no	PRON
fsr-3450	543	7	=	=	NOUN
fsr-3450	543	8	0	0	NUM
fsr-3450	543	9	)	)	PUNCT
fsr-3450	543	10	0.5043	0.5043	NUM
fsr-3450	543	11	0.5000	0.5000	NUM
fsr-3450	543	12	0	0	NUM
fsr-3450	543	13	1	1	NUM
fsr-3450	543	14	race	race	NOUN
fsr-3450	543	15	black	black	NOUN
fsr-3450	543	16	(	(	PUNCT
fsr-3450	543	17	yes	yes	INTJ
fsr-3450	543	18	=	=	SYM
fsr-3450	543	19	1	1	NUM
fsr-3450	543	20	,	,	PUNCT
fsr-3450	543	21	no	no	PRON
fsr-3450	543	22	=	=	NOUN
fsr-3450	543	23	0	0	NUM
fsr-3450	543	24	)	)	PUNCT
fsr-3450	543	25	0.1637	0.1637	NUM
fsr-3450	543	26	0.3700	0.3700	NUM
fsr-3450	543	27	0	0	NUM
fsr-3450	543	28	1	1	NUM
fsr-3450	543	29	race	race	NOUN
fsr-3450	543	30	hispanic	hispanic	NOUN
fsr-3450	543	31	(	(	PUNCT
fsr-3450	543	32	yes	yes	INTJ
fsr-3450	543	33	=	=	SYM
fsr-3450	543	34	1	1	NUM
fsr-3450	543	35	,	,	PUNCT
fsr-3450	543	36	no	no	PRON
fsr-3450	543	37	=	=	NOUN
fsr-3450	543	38	0	0	NUM
fsr-3450	543	39	)	)	PUNCT
fsr-3450	543	40	0.1140	0.1140	NUM
fsr-3450	543	41	0.3178	0.3178	NUM
fsr-3450	543	42	0	0	NUM
fsr-3450	543	43	1	1	NUM
fsr-3450	543	44	race	race	NOUN
fsr-3450	543	45	other	other	ADJ
fsr-3450	543	46	(	(	PUNCT
fsr-3450	543	47	yes	yes	INTJ
fsr-3450	543	48	=	=	SYM
fsr-3450	543	49	1	1	NUM
fsr-3450	543	50	,	,	PUNCT
fsr-3450	543	51	no	no	PRON
fsr-3450	543	52	=	=	NOUN
fsr-3450	543	53	0	0	NUM
fsr-3450	543	54	)	)	PUNCT
fsr-3450	543	55	0.1073	0.1073	NUM
fsr-3450	543	56	0.3095	0.3095	NUM
fsr-3450	543	57	0	0	NUM
fsr-3450	543	58	1	1	NUM
fsr-3450	543	59	income	income	NOUN
fsr-3450	543	60	household	household	NOUN
fsr-3450	543	61	income	income	NOUN
fsr-3450	543	62	in	in	ADP
fsr-3450	543	63	previous	previous	ADJ
fsr-3450	543	64	calendar	calendar	NOUN
fsr-3450	543	65	year	year	NOUN
fsr-3450	543	66	$	$	SYM
fsr-3450	543	67	62,321	62,321	NUM
fsr-3450	543	68	$	$	SYM
fsr-3450	543	69	59,020	59,020	NUM
fsr-3450	543	70	$	$	SYM
fsr-3450	543	71	1,013	1,013	NUM
fsr-3450	543	72	$	$	SYM
fsr-3450	543	73	2,531,591	2,531,591	NUM
fsr-3450	543	74	age	age	NOUN
fsr-3450	543	75	age	age	NOUN
fsr-3450	543	76	of	of	ADP
fsr-3450	543	77	the	the	DET
fsr-3450	543	78	household	household	NOUN
fsr-3450	543	79	head	head	NOUN
fsr-3450	543	80	49.6815	49.6815	NUM
fsr-3450	543	81	16.5849	16.5849	NUM
fsr-3450	543	82	20	20	NUM
fsr-3450	543	83	85	85	NUM
fsr-3450	543	84	financial	financial	ADJ
fsr-3450	543	85	planning	planning	NOUN
fsr-3450	543	86	horizon	horizon	PROPN
fsr-3450	543	87	categorical	categorical	ADJ
fsr-3450	543	88	variablesd	variablesd	NOUN
fsr-3450	543	89	next	next	ADJ
fsr-3450	543	90	year	year	NOUN
fsr-3450	543	91	(	(	PUNCT
fsr-3450	543	92	yes	yes	INTJ
fsr-3450	543	93	=	=	SYM
fsr-3450	543	94	1	1	NUM
fsr-3450	543	95	,	,	PUNCT
fsr-3450	543	96	no	no	PRON
fsr-3450	543	97	=	=	NOUN
fsr-3450	543	98	0	0	NUM
fsr-3450	543	99	)	)	PUNCT
fsr-3450	543	100	0.1551	0.1551	NUM
fsr-3450	544	1	0.3620	0.3620	NUM
fsr-3450	544	2	0	0	NUM
fsr-3450	544	3	1	1	NUM
fsr-3450	544	4	next	next	ADJ
fsr-3450	544	5	few	few	ADJ
fsr-3450	544	6	years	year	NOUN
fsr-3450	544	7	(	(	PUNCT
fsr-3450	544	8	yes	yes	INTJ
fsr-3450	544	9	=	=	SYM
fsr-3450	544	10	1	1	NUM
fsr-3450	544	11	,	,	PUNCT
fsr-3450	544	12	no	no	PRON
fsr-3450	544	13	=	=	NOUN
fsr-3450	544	14	0	0	NUM
fsr-3450	544	15	)	)	PUNCT
fsr-3450	544	16	0.2817	0.2817	NUM
fsr-3450	544	17	0.4498	0.4498	NUM
fsr-3450	544	18	0	0	NUM
fsr-3450	544	19	1	1	NUM
fsr-3450	544	20	next	next	ADP
fsr-3450	544	21	5	5	NUM
fsr-3450	544	22	to	to	PART
fsr-3450	544	23	10	10	NUM
fsr-3450	544	24	years	year	NOUN
fsr-3450	544	25	(	(	PUNCT
fsr-3450	544	26	yes	yes	INTJ
fsr-3450	544	27	=	=	SYM
fsr-3450	544	28	1	1	NUM
fsr-3450	544	29	,	,	PUNCT
fsr-3450	544	30	no	no	PRON
fsr-3450	544	31	=	=	NOUN
fsr-3450	544	32	0	0	NUM
fsr-3450	544	33	)	)	PUNCT
fsr-3450	544	34	0.2186	0.2186	NUM
fsr-3450	544	35	0.4133	0.4133	NUM
fsr-3450	544	36	0	0	NUM
fsr-3450	544	37	1	1	NUM
fsr-3450	544	38	longer	long	ADJ
fsr-3450	544	39	than	than	ADP
fsr-3450	544	40	10	10	NUM
fsr-3450	544	41	years	year	NOUN
fsr-3450	544	42	(	(	PUNCT
fsr-3450	544	43	yes	yes	INTJ
fsr-3450	544	44	=	=	SYM
fsr-3450	544	45	1	1	NUM
fsr-3450	544	46	,	,	PUNCT
fsr-3450	544	47	no	no	PRON
fsr-3450	544	48	=	=	NOUN
fsr-3450	544	49	0	0	NUM
fsr-3450	544	50	)	)	PUNCT
fsr-3450	544	51	0.1059	0.1059	NUM
fsr-3450	544	52	0.3077	0.3077	NUM
fsr-3450	544	53	0	0	NUM
fsr-3450	544	54	1	1	NUM
fsr-3450	544	55	notes	note	NOUN
fsr-3450	544	56	:	:	PUNCT
fsr-3450	544	57	sample	sample	NOUN
fsr-3450	544	58	size	size	NOUN
fsr-3450	544	59	is	be	AUX
fsr-3450	544	60	4,481	4,481	NUM
fsr-3450	544	61	households	household	NOUN
fsr-3450	544	62	.	.	PUNCT
fsr-3450	545	1	sample	sample	NOUN
fsr-3450	545	2	weights	weight	NOUN
fsr-3450	545	3	applied	apply	VERB
fsr-3450	545	4	.	.	PUNCT
fsr-3450	546	1	a	a	DET
fsr-3450	546	2	2016	2016	NUM
fsr-3450	546	3	survey	survey	NOUN
fsr-3450	546	4	of	of	ADP
fsr-3450	546	5	consumer	consumer	NOUN
fsr-3450	546	6	finances	finance	NOUN
fsr-3450	546	7	(	(	PUNCT
fsr-3450	546	8	scf	scf	PROPN
fsr-3450	546	9	)	)	PUNCT
fsr-3450	546	10	codebook	codebook	NOUN
fsr-3450	546	11	education	education	NOUN
fsr-3450	546	12	level	level	NOUN
fsr-3450	546	13	standard	standard	ADJ
fsr-3450	546	14	categories	category	NOUN
fsr-3450	546	15	:	:	PUNCT
fsr-3450	546	16	1	1	NUM
fsr-3450	546	17	.	.	X
fsr-3450	546	18	1st	1st	ADJ
fsr-3450	546	19	,	,	PUNCT
fsr-3450	546	20	2nd	2nd	ADJ
fsr-3450	546	21	,	,	PUNCT
fsr-3450	546	22	3rd	3rd	ADJ
fsr-3450	546	23	,	,	PUNCT
fsr-3450	546	24	or	or	CCONJ
fsr-3450	546	25	4th	4th	ADJ
fsr-3450	546	26	grade	grade	NOUN
fsr-3450	546	27	.	.	PUNCT
fsr-3450	547	1	2	2	NUM
fsr-3450	547	2	.	.	NOUN
fsr-3450	547	3	5th	5th	ADJ
fsr-3450	547	4	or	or	CCONJ
fsr-3450	547	5	6th	6th	ADJ
fsr-3450	547	6	grade	grade	NOUN
fsr-3450	547	7	.	.	PUNCT
fsr-3450	548	1	3	3	NUM
fsr-3450	548	2	.	.	NUM
fsr-3450	548	3	7th	7th	ADJ
fsr-3450	548	4	and	and	CCONJ
fsr-3450	548	5	8th	8th	ADJ
fsr-3450	548	6	grade	grade	NOUN
fsr-3450	548	7	.	.	PUNCT
fsr-3450	549	1	4	4	NUM
fsr-3450	549	2	.	.	X
fsr-3450	549	3	9th	9th	ADJ
fsr-3450	549	4	grade	grade	NOUN
fsr-3450	549	5	.	.	PUNCT
fsr-3450	550	1	5	5	NUM
fsr-3450	550	2	.	.	NOUN
fsr-3450	550	3	10th	10th	ADJ
fsr-3450	550	4	grade	grade	NOUN
fsr-3450	550	5	.	.	PUNCT
fsr-3450	551	1	6	6	NUM
fsr-3450	551	2	.	.	X
fsr-3450	551	3	11th	11th	ADJ
fsr-3450	551	4	grade	grade	NOUN
fsr-3450	551	5	.	.	PUNCT
fsr-3450	552	1	7	7	NUM
fsr-3450	552	2	.	.	NOUN
fsr-3450	552	3	12th	12th	ADJ
fsr-3450	552	4	grade	grade	NOUN
fsr-3450	552	5	,	,	PUNCT
fsr-3450	552	6	no	no	DET
fsr-3450	552	7	diploma	diploma	NOUN
fsr-3450	552	8	.	.	PUNCT
fsr-3450	553	1	8	8	NUM
fsr-3450	553	2	.	.	X
fsr-3450	553	3	high	high	ADJ
fsr-3450	553	4	school	school	PROPN
fsr-3450	553	5	graduate	graduate	NOUN
fsr-3450	553	6	high	high	ADJ
fsr-3450	553	7	school	school	NOUN
fsr-3450	553	8	diploma	diploma	NOUN
fsr-3450	553	9	or	or	CCONJ
fsr-3450	553	10	equivalent	equivalent	ADJ
fsr-3450	553	11	.	.	PUNCT
fsr-3450	554	1	9	9	X
fsr-3450	554	2	.	.	X
fsr-3450	554	3	some	some	DET
fsr-3450	554	4	college	college	NOUN
fsr-3450	554	5	but	but	CCONJ
fsr-3450	554	6	no	no	DET
fsr-3450	554	7	degree	degree	NOUN
fsr-3450	554	8	.	.	PUNCT
fsr-3450	555	1	10	10	NUM
fsr-3450	555	2	.	.	PUNCT
fsr-3450	555	3	associate	associate	ADJ
fsr-3450	555	4	degree	degree	NOUN
fsr-3450	555	5	in	in	ADP
fsr-3450	555	6	college	college	NOUN
fsr-3450	555	7	occupation	occupation	NOUN
fsr-3450	555	8	/	/	SYM
fsr-3450	555	9	vocation	vocation	NOUN
fsr-3450	555	10	program	program	NOUN
fsr-3450	555	11	.	.	PUNCT
fsr-3450	556	1	11	11	NUM
fsr-3450	556	2	.	.	X
fsr-3450	556	3	associate	associate	ADJ
fsr-3450	556	4	degree	degree	NOUN
fsr-3450	556	5	in	in	ADP
fsr-3450	556	6	college	college	NOUN
fsr-3450	556	7	academic	academic	ADJ
fsr-3450	556	8	program	program	NOUN
fsr-3450	556	9	.	.	PUNCT
fsr-3450	557	1	12	12	NUM
fsr-3450	557	2	.	.	PUNCT
fsr-3450	558	1	bachelor	bachelor	NOUN
fsr-3450	558	2	’s	’s	PART
fsr-3450	558	3	degree	degree	NOUN
fsr-3450	558	4	(	(	PUNCT
fsr-3450	558	5	e.g.	e.g.	ADV
fsr-3450	558	6	,	,	PUNCT
fsr-3450	558	7	ba	ba	PROPN
fsr-3450	558	8	,	,	PUNCT
fsr-3450	558	9	ab	ab	PROPN
fsr-3450	558	10	,	,	PUNCT
fsr-3450	558	11	bs	bs	PROPN
fsr-3450	558	12	)	)	PUNCT
fsr-3450	558	13	.	.	PUNCT
fsr-3450	559	1	13	13	NUM
fsr-3450	559	2	.	.	X
fsr-3450	560	1	master	master	NOUN
fsr-3450	560	2	’s	’s	PART
fsr-3450	560	3	degree	degree	NOUN
fsr-3450	560	4	(	(	PUNCT
fsr-3450	560	5	e.g.	e.g.	ADV
fsr-3450	560	6	,	,	PUNCT
fsr-3450	560	7	ma	ma	PROPN
fsr-3450	560	8	,	,	PUNCT
fsr-3450	560	9	ms	ms	PROPN
fsr-3450	560	10	,	,	PUNCT
fsr-3450	560	11	meng	meng	PROPN
fsr-3450	560	12	,	,	PUNCT
fsr-3450	560	13	med	med	PROPN
fsr-3450	560	14	,	,	PUNCT
fsr-3450	560	15	msw	msw	NOUN
fsr-3450	560	16	,	,	PUNCT
fsr-3450	560	17	mba	mba	NOUN
fsr-3450	560	18	)	)	PUNCT
fsr-3450	560	19	.	.	PUNCT
fsr-3450	561	1	14	14	NUM
fsr-3450	561	2	.	.	PUNCT
fsr-3450	562	1	professional	professional	ADJ
fsr-3450	562	2	school	school	NOUN
fsr-3450	562	3	degree	degree	NOUN
fsr-3450	562	4	(	(	PUNCT
fsr-3450	562	5	e.g.	e.g.	ADV
fsr-3450	562	6	,	,	PUNCT
fsr-3450	562	7	md	md	PROPN
fsr-3450	562	8	,	,	PUNCT
fsr-3450	562	9	dds	dds	PROPN
fsr-3450	562	10	,	,	PUNCT
fsr-3450	562	11	dvm	dvm	PROPN
fsr-3450	562	12	,	,	PUNCT
fsr-3450	562	13	llb	llb	PROPN
fsr-3450	562	14	,	,	PUNCT
fsr-3450	562	15	jd	jd	PROPN
fsr-3450	562	16	)	)	PUNCT
fsr-3450	562	17	and	and	CCONJ
fsr-3450	562	18	doctorate	doctorate	NOUN
fsr-3450	562	19	degree	degree	NOUN
fsr-3450	562	20	(	(	PUNCT
fsr-3450	562	21	e.g.	e.g.	ADV
fsr-3450	562	22	,	,	PUNCT
fsr-3450	562	23	phd	phd	NOUN
fsr-3450	562	24	,	,	PUNCT
fsr-3450	562	25	edd	edd	PROPN
fsr-3450	562	26	)	)	PUNCT
fsr-3450	562	27	.	.	PUNCT
fsr-3450	563	1	b	b	X
fsr-3450	563	2	real	real	ADJ
fsr-3450	563	3	assets	asset	NOUN
fsr-3450	563	4	,	,	PUNCT
fsr-3450	563	5	according	accord	VERB
fsr-3450	563	6	to	to	ADP
fsr-3450	563	7	the	the	DET
fsr-3450	563	8	scf	scf	PROPN
fsr-3450	563	9	bulletin	bulletin	NOUN
fsr-3450	563	10	category	category	NOUN
fsr-3450	563	11	definition	definition	NOUN
fsr-3450	563	12	,	,	PUNCT
fsr-3450	563	13	include	include	VERB
fsr-3450	563	14	:	:	PUNCT
fsr-3450	563	15	houses	house	NOUN
fsr-3450	563	16	,	,	PUNCT
fsr-3450	563	17	vehicles	vehicle	NOUN
fsr-3450	563	18	,	,	PUNCT
fsr-3450	563	19	residential	residential	ADJ
fsr-3450	563	20	properties	property	NOUN
fsr-3450	563	21	excluding	exclude	VERB
fsr-3450	563	22	primary	primary	ADJ
fsr-3450	563	23	residence	residence	NOUN
fsr-3450	563	24	(	(	PUNCT
fsr-3450	563	25	e.g.	e.g.	ADV
fsr-3450	563	26	,	,	PUNCT
fsr-3450	563	27	vacation	vacation	NOUN
fsr-3450	563	28	homes	home	NOUN
fsr-3450	563	29	)	)	PUNCT
fsr-3450	563	30	,	,	PUNCT
fsr-3450	563	31	and	and	CCONJ
fsr-3450	563	32	net	net	ADJ
fsr-3450	563	33	equity	equity	NOUN
fsr-3450	563	34	in	in	ADP
fsr-3450	563	35	non	non	ADJ
fsr-3450	563	36	-	-	ADJ
fsr-3450	563	37	residential	residential	ADJ
fsr-3450	563	38	real	real	ADJ
fsr-3450	563	39	estate	estate	NOUN
fsr-3450	563	40	.	.	PUNCT
fsr-3450	564	1	c	c	NOUN
fsr-3450	564	2	liquid	liquid	ADJ
fsr-3450	564	3	assets	asset	NOUN
fsr-3450	564	4	,	,	PUNCT
fsr-3450	564	5	according	accord	VERB
fsr-3450	564	6	to	to	ADP
fsr-3450	564	7	the	the	DET
fsr-3450	564	8	scf	scf	PROPN
fsr-3450	564	9	bulletin	bulletin	NOUN
fsr-3450	564	10	category	category	NOUN
fsr-3450	564	11	definition	definition	NOUN
fsr-3450	564	12	,	,	PUNCT
fsr-3450	564	13	include	include	VERB
fsr-3450	564	14	:	:	PUNCT
fsr-3450	564	15	money	money	NOUN
fsr-3450	564	16	market	market	NOUN
fsr-3450	564	17	accounts	account	NOUN
fsr-3450	564	18	,	,	PUNCT
fsr-3450	564	19	checking	check	VERB
fsr-3450	564	20	accounts	account	NOUN
fsr-3450	564	21	,	,	PUNCT
fsr-3450	564	22	savings	saving	NOUN
fsr-3450	564	23	accounts	account	NOUN
fsr-3450	564	24	,	,	PUNCT
fsr-3450	564	25	call	call	VERB
fsr-3450	564	26	accounts	account	NOUN
fsr-3450	564	27	,	,	PUNCT
fsr-3450	564	28	and	and	CCONJ
fsr-3450	564	29	prepaid	prepaid	ADJ
fsr-3450	564	30	cards	card	NOUN
fsr-3450	564	31	.	.	PUNCT
fsr-3450	565	1	d	d	PRON
fsr-3450	565	2	original	original	ADJ
fsr-3450	565	3	survey	survey	NOUN
fsr-3450	565	4	question	question	NOUN
fsr-3450	565	5	from	from	ADP
fsr-3450	565	6	scf	scf	PROPN
fsr-3450	565	7	codebook	codebook	NOUN
fsr-3450	565	8	:	:	PUNCT
fsr-3450	565	9	“	"	PUNCT
fsr-3450	565	10	in	in	ADP
fsr-3450	565	11	planning	planning	NOUN
fsr-3450	565	12	or	or	CCONJ
fsr-3450	565	13	budgeting	budget	VERB
fsr-3450	565	14	your	your	PRON
fsr-3450	565	15	(	(	PUNCT
fsr-3450	565	16	family	family	NOUN
fsr-3450	565	17	’s	’s	PART
fsr-3450	565	18	)	)	PUNCT
fsr-3450	565	19	saving	saving	NOUN
fsr-3450	565	20	and	and	CCONJ
fsr-3450	565	21	spending	spending	NOUN
fsr-3450	565	22	,	,	PUNCT
fsr-3450	565	23	which	which	PRON
fsr-3450	565	24	of	of	ADP
fsr-3450	565	25	the	the	DET
fsr-3450	565	26	time	time	NOUN
fsr-3450	565	27	periods	period	NOUN
fsr-3450	565	28	listed	list	VERB
fsr-3450	565	29	on	on	ADP
fsr-3450	565	30	this	this	DET
fsr-3450	565	31	page	page	NOUN
fsr-3450	565	32	is	be	AUX
fsr-3450	565	33	most	most	ADV
fsr-3450	565	34	important	important	ADJ
fsr-3450	565	35	to	to	ADP
fsr-3450	565	36	you	you	PRON
fsr-3450	565	37	(	(	PUNCT
fsr-3450	565	38	and	and	CCONJ
fsr-3450	565	39	your	your	PRON
fsr-3450	565	40	family	family	NOUN
fsr-3450	565	41	living	live	VERB
fsr-3450	565	42	here	here	ADV
fsr-3450	565	43	)	)	PUNCT
fsr-3450	565	44	?	?	PUNCT
fsr-3450	565	45	”	"	PUNCT
fsr-3450	566	1	z.	z.	PROPN
fsr-3450	566	2	liu	liu	PROPN
fsr-3450	566	3	and	and	CCONJ
fsr-3450	566	4	d.	d.	PROPN
fsr-3450	566	5	m.	m.	PROPN
fsr-3450	566	6	blanchett	blanchett	PROPN
fsr-3450	566	7	/	/	SYM
fsr-3450	566	8	financial	financial	ADJ
fsr-3450	566	9	services	service	NOUN
fsr-3450	566	10	review	review	VERB
fsr-3450	566	11	29	29	NUM
fsr-3450	566	12	(	(	PUNCT
fsr-3450	566	13	2021	2021	NUM
fsr-3450	566	14	)	)	PUNCT
fsr-3450	567	1	121–145	121–145	NUM
fsr-3450	567	2	143	143	NUM
fsr-3450	567	3	references	reference	NOUN
fsr-3450	567	4	aizcorbe	aizcorbe	NOUN
fsr-3450	567	5	,	,	PUNCT
fsr-3450	567	6	a.	a.	NOUN
fsr-3450	567	7	m.	m.	NOUN
fsr-3450	567	8	,	,	PUNCT
fsr-3450	567	9	kennickell	kennickell	PROPN
fsr-3450	567	10	,	,	PUNCT
fsr-3450	567	11	a.	a.	PROPN
fsr-3450	567	12	b.	b.	PROPN
fsr-3450	567	13	,	,	PUNCT
fsr-3450	567	14	&	&	CCONJ
fsr-3450	567	15	moore	moore	PROPN
fsr-3450	567	16	,	,	PUNCT
fsr-3450	567	17	k.	k.	PROPN
fsr-3450	567	18	b.	b.	PROPN
fsr-3450	567	19	(	(	PUNCT
fsr-3450	567	20	2003	2003	NUM
fsr-3450	567	21	)	)	PUNCT
fsr-3450	567	22	.	.	PUNCT
fsr-3450	568	1	recent	recent	ADJ
fsr-3450	568	2	changes	change	NOUN
fsr-3450	568	3	in	in	ADP
fsr-3450	568	4	us	us	PROPN
fsr-3450	568	5	family	family	NOUN
fsr-3450	568	6	finances	finance	NOUN
fsr-3450	568	7	:	:	PUNCT
fsr-3450	568	8	evidence	evidence	NOUN
fsr-3450	568	9	from	from	ADP
fsr-3450	568	10	the	the	DET
fsr-3450	568	11	1998	1998	NUM
fsr-3450	568	12	and	and	CCONJ
fsr-3450	568	13	2001	2001	NUM
fsr-3450	568	14	survey	survey	NOUN
fsr-3450	568	15	of	of	ADP
fsr-3450	568	16	consumer	consumer	NOUN
fsr-3450	568	17	finances	finance	NOUN
fsr-3450	568	18	.	.	PUNCT
fsr-3450	569	1	federal	federal	PROPN
fsr-3450	569	2	reserve	reserve	PROPN
fsr-3450	569	3	bulletin	bulletin	PROPN
fsr-3450	569	4	,	,	PUNCT
fsr-3450	569	5	89	89	NUM
fsr-3450	569	6	,	,	PUNCT
fsr-3450	569	7	1	1	NUM
fsr-3450	569	8	.	.	PUNCT
fsr-3450	570	1	barba	barba	PROPN
fsr-3450	570	2	,	,	PUNCT
fsr-3450	570	3	a.	a.	PROPN
fsr-3450	570	4	,	,	PUNCT
fsr-3450	570	5	&	&	CCONJ
fsr-3450	570	6	pivetti	pivetti	PROPN
fsr-3450	570	7	,	,	PUNCT
fsr-3450	570	8	m.	m.	NOUN
fsr-3450	570	9	(	(	PUNCT
fsr-3450	570	10	2009	2009	NUM
fsr-3450	570	11	)	)	PUNCT
fsr-3450	570	12	.	.	PUNCT
fsr-3450	571	1	rising	rise	VERB
fsr-3450	571	2	household	household	NOUN
fsr-3450	571	3	debt	debt	NOUN
fsr-3450	571	4	:	:	PUNCT
fsr-3450	571	5	its	its	PRON
fsr-3450	571	6	causes	cause	NOUN
fsr-3450	571	7	and	and	CCONJ
fsr-3450	571	8	macroeconomic	macroeconomic	ADJ
fsr-3450	571	9	implications	implication	NOUN
fsr-3450	571	10	—	—	PUNCT
fsr-3450	571	11	a	a	DET
fsr-3450	571	12	long	long	ADJ
fsr-3450	571	13	-	-	PUNCT
fsr-3450	571	14	period	period	NOUN
fsr-3450	571	15	analysis	analysis	NOUN
fsr-3450	571	16	.	.	PUNCT
fsr-3450	572	1	cambridge	cambridge	PROPN
fsr-3450	572	2	journal	journal	PROPN
fsr-3450	572	3	of	of	ADP
fsr-3450	572	4	economics	economic	NOUN
fsr-3450	572	5	,	,	PUNCT
fsr-3450	572	6	33	33	NUM
fsr-3450	572	7	,	,	PUNCT
fsr-3450	572	8	113	113	NUM
fsr-3450	572	9	-	-	SYM
fsr-3450	572	10	137	137	NUM
fsr-3450	572	11	.	.	PUNCT
fsr-3450	572	12	bricker	bricker	NOUN
fsr-3450	572	13	,	,	PUNCT
fsr-3450	572	14	j.	j.	PROPN
fsr-3450	572	15	,	,	PUNCT
fsr-3450	572	16	dettling	dettling	NOUN
fsr-3450	572	17	,	,	PUNCT
fsr-3450	572	18	l.	l.	PROPN
fsr-3450	572	19	j.	j.	PROPN
fsr-3450	572	20	,	,	PUNCT
fsr-3450	572	21	henriques	henrique	NOUN
fsr-3450	572	22	,	,	PUNCT
fsr-3450	572	23	a.	a.	NOUN
fsr-3450	572	24	,	,	PUNCT
fsr-3450	572	25	hsu	hsu	PROPN
fsr-3450	572	26	,	,	PUNCT
fsr-3450	572	27	j.	j.	PROPN
fsr-3450	572	28	w.	w.	PROPN
fsr-3450	572	29	,	,	PUNCT
fsr-3450	572	30	jacobs	jacobs	PROPN
fsr-3450	572	31	,	,	PUNCT
fsr-3450	572	32	l.	l.	PROPN
fsr-3450	572	33	,	,	PUNCT
fsr-3450	572	34	moore	moore	PROPN
fsr-3450	572	35	,	,	PUNCT
fsr-3450	572	36	k.	k.	PROPN
fsr-3450	572	37	b.	b.	PROPN
fsr-3450	572	38	,	,	PUNCT
fsr-3450	572	39	.	.	PUNCT
fsr-3450	572	40	.	.	PUNCT
fsr-3450	572	41	.	.	PUNCT
fsr-3450	573	1	windle	windle	PROPN
fsr-3450	573	2	,	,	PUNCT
fsr-3450	573	3	r.	r.	PROPN
fsr-3450	573	4	a.	a.	PROPN
fsr-3450	573	5	(	(	PUNCT
fsr-3450	573	6	2017	2017	NUM
fsr-3450	573	7	)	)	PUNCT
fsr-3450	573	8	.	.	PUNCT
fsr-3450	574	1	changes	change	NOUN
fsr-3450	574	2	in	in	ADP
fsr-3450	574	3	us	us	PROPN
fsr-3450	574	4	family	family	NOUN
fsr-3450	574	5	finances	finance	NOUN
fsr-3450	574	6	from	from	ADP
fsr-3450	574	7	2013	2013	NUM
fsr-3450	574	8	to	to	ADP
fsr-3450	574	9	2016	2016	NUM
fsr-3450	574	10	:	:	PUNCT
fsr-3450	574	11	evidence	evidence	NOUN
fsr-3450	574	12	from	from	ADP
fsr-3450	574	13	the	the	DET
fsr-3450	574	14	survey	survey	NOUN
fsr-3450	574	15	of	of	ADP
fsr-3450	574	16	consumer	consumer	NOUN
fsr-3450	574	17	finances	finance	NOUN
fsr-3450	574	18	.	.	PUNCT
fsr-3450	575	1	federal	federal	PROPN
fsr-3450	575	2	reserve	reserve	PROPN
fsr-3450	575	3	bulletin	bulletin	PROPN
fsr-3450	575	4	,	,	PUNCT
fsr-3450	575	5	103	103	NUM
fsr-3450	575	6	,	,	PUNCT
fsr-3450	575	7	1	1	NUM
fsr-3450	575	8	.	.	PUNCT
fsr-3450	575	9	caskey	caskey	PROPN
fsr-3450	575	10	,	,	PUNCT
fsr-3450	575	11	j.	j.	PROPN
fsr-3450	575	12	(	(	PUNCT
fsr-3450	575	13	2001	2001	NUM
fsr-3450	575	14	)	)	PUNCT
fsr-3450	575	15	.	.	PUNCT
fsr-3450	576	1	payday	payday	NOUN
fsr-3450	576	2	lending	lending	NOUN
fsr-3450	576	3	.	.	PUNCT
fsr-3450	577	1	journal	journal	PROPN
fsr-3450	577	2	of	of	ADP
fsr-3450	577	3	financial	financial	ADJ
fsr-3450	577	4	counseling	counseling	NOUN
fsr-3450	577	5	and	and	CCONJ
fsr-3450	577	6	planning	planning	NOUN
fsr-3450	577	7	,	,	PUNCT
fsr-3450	577	8	12	12	NUM
fsr-3450	577	9	.	.	PUNCT
fsr-3450	578	1	(	(	PUNCT
fsr-3450	578	2	available	available	ADJ
fsr-3450	578	3	at	at	ADP
fsr-3450	578	4	https://ssrn	https://ssrn	PROPN
fsr-3450	578	5	.	.	PUNCT
fsr-3450	578	6	com	com	NOUN
fsr-3450	578	7	/	/	SYM
fsr-3450	578	8	abstract=2443130	abstract=2443130	PROPN
fsr-3450	578	9	)	)	PUNCT
fsr-3450	578	10	clayton	clayton	PROPN
fsr-3450	578	11	,	,	PUNCT
fsr-3450	578	12	m.	m.	NOUN
fsr-3450	578	13	,	,	PUNCT
fsr-3450	578	14	liñares	liñares	PROPN
fsr-3450	578	15	-	-	PUNCT
fsr-3450	578	16	zegarra	zegarra	PROPN
fsr-3450	578	17	,	,	PUNCT
fsr-3450	578	18	j.	j.	PROPN
fsr-3450	578	19	,	,	PUNCT
fsr-3450	578	20	&	&	CCONJ
fsr-3450	578	21	wilson	wilson	PROPN
fsr-3450	578	22	,	,	PUNCT
fsr-3450	578	23	j.	j.	PROPN
fsr-3450	578	24	o.	o.	PROPN
fsr-3450	578	25	(	(	PUNCT
fsr-3450	578	26	2015	2015	NUM
fsr-3450	578	27	)	)	PUNCT
fsr-3450	578	28	.	.	PUNCT
fsr-3450	579	1	does	do	AUX
fsr-3450	579	2	debt	debt	NOUN
fsr-3450	579	3	affect	affect	VERB
fsr-3450	579	4	health	health	NOUN
fsr-3450	579	5	?	?	PUNCT
fsr-3450	580	1	cross	cross	NOUN
fsr-3450	580	2	country	country	NOUN
fsr-3450	580	3	evidence	evidence	NOUN
fsr-3450	580	4	on	on	ADP
fsr-3450	580	5	the	the	DET
fsr-3450	580	6	debt	debt	NOUN
fsr-3450	580	7	-	-	PUNCT
fsr-3450	580	8	health	health	NOUN
fsr-3450	580	9	nexus	nexus	NOUN
fsr-3450	580	10	.	.	PUNCT
fsr-3450	581	1	social	social	ADJ
fsr-3450	581	2	science	science	PROPN
fsr-3450	581	3	&	&	CCONJ
fsr-3450	581	4	medicine	medicine	NOUN
fsr-3450	581	5	,	,	PUNCT
fsr-3450	581	6	130	130	NUM
fsr-3450	581	7	,	,	PUNCT
fsr-3450	581	8	51	51	NUM
fsr-3450	581	9	-	-	SYM
fsr-3450	581	10	58	58	NUM
fsr-3450	581	11	.	.	PUNCT
fsr-3450	582	1	davies	davy	NOUN
fsr-3450	582	2	,	,	PUNCT
fsr-3450	582	3	w.	w.	PROPN
fsr-3450	582	4	,	,	PUNCT
fsr-3450	582	5	montgomerie	montgomerie	NOUN
fsr-3450	582	6	,	,	PUNCT
fsr-3450	582	7	j.	j.	PROPN
fsr-3450	582	8	,	,	PUNCT
fsr-3450	582	9	&	&	CCONJ
fsr-3450	582	10	wallin	wallin	PROPN
fsr-3450	582	11	,	,	PUNCT
fsr-3450	582	12	s.	s.	PROPN
fsr-3450	582	13	(	(	PUNCT
fsr-3450	582	14	2015	2015	NUM
fsr-3450	582	15	)	)	PUNCT
fsr-3450	582	16	.	.	PUNCT
fsr-3450	583	1	financial	financial	ADJ
fsr-3450	583	2	melancholia	melancholia	PROPN
fsr-3450	583	3	:	:	PUNCT
fsr-3450	583	4	mental	mental	ADJ
fsr-3450	583	5	health	health	NOUN
fsr-3450	583	6	and	and	CCONJ
fsr-3450	583	7	indebtedness	indebtedness	NOUN
fsr-3450	583	8	.	.	PUNCT
fsr-3450	584	1	london	london	PROPN
fsr-3450	584	2	:	:	PUNCT
fsr-3450	584	3	political	political	ADJ
fsr-3450	584	4	economy	economy	NOUN
fsr-3450	584	5	research	research	NOUN
fsr-3450	584	6	centre	centre	NOUN
fsr-3450	584	7	.	.	PUNCT
fsr-3450	585	1	emmons	emmons	PROPN
fsr-3450	585	2	,	,	PUNCT
fsr-3450	585	3	w.	w.	PROPN
fsr-3450	585	4	r.	r.	PROPN
fsr-3450	585	5	,	,	PUNCT
fsr-3450	585	6	&	&	CCONJ
fsr-3450	585	7	noeth	noeth	PROPN
fsr-3450	585	8	,	,	PUNCT
fsr-3450	585	9	b.	b.	PROPN
fsr-3450	585	10	j.	j.	PROPN
fsr-3450	585	11	(	(	PUNCT
fsr-3450	585	12	2013	2013	NUM
fsr-3450	585	13	)	)	PUNCT
fsr-3450	585	14	.	.	PUNCT
fsr-3450	586	1	economic	economic	ADJ
fsr-3450	586	2	vulnerability	vulnerability	NOUN
fsr-3450	586	3	and	and	CCONJ
fsr-3450	586	4	financial	financial	ADJ
fsr-3450	586	5	fragility	fragility	NOUN
fsr-3450	586	6	.	.	PUNCT
fsr-3450	587	1	federal	federal	PROPN
fsr-3450	587	2	reserve	reserve	PROPN
fsr-3450	587	3	bank	bank	PROPN
fsr-3450	587	4	of	of	ADP
fsr-3450	587	5	st	st	PROPN
fsr-3450	587	6	.	.	PROPN
fsr-3450	587	7	louis	louis	PROPN
fsr-3450	587	8	review	review	PROPN
fsr-3450	587	9	,	,	PUNCT
fsr-3450	587	10	95	95	NUM
fsr-3450	587	11	,	,	PUNCT
fsr-3450	587	12	361	361	NUM
fsr-3450	587	13	-	-	SYM
fsr-3450	587	14	388	388	NUM
fsr-3450	587	15	.	.	PUNCT
fsr-3450	588	1	appendix	appendix	NOUN
fsr-3450	588	2	c	c	NOUN
fsr-3450	588	3	ordinary	ordinary	ADJ
fsr-3450	588	4	least	least	ADJ
fsr-3450	588	5	squares	square	NOUN
fsr-3450	588	6	(	(	PUNCT
fsr-3450	588	7	ols	ol	NOUN
fsr-3450	588	8	)	)	PUNCT
fsr-3450	588	9	regressions	regression	NOUN
fsr-3450	588	10	on	on	ADP
fsr-3450	588	11	factors	factor	NOUN
fsr-3450	588	12	associated	associate	VERB
fsr-3450	588	13	with	with	ADP
fsr-3450	588	14	debt	debt	NOUN
fsr-3450	588	15	ratios	ratio	NOUN
fsr-3450	588	16	(	(	PUNCT
fsr-3450	588	17	reduced	reduced	ADJ
fsr-3450	588	18	sample	sample	NOUN
fsr-3450	588	19	)	)	PUNCT
fsr-3450	588	20	variables	variable	VERB
fsr-3450	588	21	ols	ols	PROPN
fsr-3450	588	22	ols	ols	PROPN
fsr-3450	588	23	ols	ols	PROPN
fsr-3450	588	24	debt	debt	NOUN
fsr-3450	588	25	-	-	PUNCT
fsr-3450	588	26	to	to	ADP
fsr-3450	588	27	-	-	PUNCT
fsr-3450	588	28	financial	financial	ADJ
fsr-3450	588	29	-	-	PUNCT
fsr-3450	588	30	asset	asset	NOUN
fsr-3450	588	31	ratioa	ratioa	PROPN
fsr-3450	588	32	debt	debt	NOUN
fsr-3450	588	33	-	-	PUNCT
fsr-3450	588	34	to	to	ADP
fsr-3450	588	35	-	-	PUNCT
fsr-3450	588	36	income	income	NOUN
fsr-3450	588	37	ratiob	ratiob	NOUN
fsr-3450	588	38	debt	debt	NOUN
fsr-3450	588	39	-	-	PUNCT
fsr-3450	588	40	to	to	ADP
fsr-3450	588	41	-	-	PUNCT
fsr-3450	588	42	financial	financial	ADJ
fsr-3450	588	43	-	-	PUNCT
fsr-3450	588	44	asset	asset	NOUN
fsr-3450	588	45	ratioc	ratioc	NOUN
fsr-3450	588	46	married	marry	VERB
fsr-3450	588	47	�	�	PROPN
fsr-3450	588	48	215.9	215.9	NUM
fsr-3450	588	49	(	(	PUNCT
fsr-3450	588	50	244.237	244.237	NUM
fsr-3450	588	51	)	)	PUNCT
fsr-3450	588	52	�	�	NOUN
fsr-3450	588	53	0.357	0.357	NUM
fsr-3450	588	54	*	*	PUNCT
fsr-3450	588	55	(	(	PUNCT
fsr-3450	588	56	0.144	0.144	NUM
fsr-3450	588	57	)	)	PUNCT
fsr-3450	588	58	21.86	21.86	NUM
fsr-3450	588	59	(	(	PUNCT
fsr-3450	588	60	24.820	24.820	NUM
fsr-3450	588	61	)	)	PUNCT
fsr-3450	588	62	number	number	NOUN
fsr-3450	588	63	of	of	ADP
fsr-3450	588	64	kids	kid	NOUN
fsr-3450	588	65	168.7	168.7	NUM
fsr-3450	588	66	(	(	PUNCT
fsr-3450	588	67	166.241	166.241	NUM
fsr-3450	588	68	)	)	PUNCT
fsr-3450	588	69	�	�	NOUN
fsr-3450	588	70	0.0148	0.0148	NUM
fsr-3450	588	71	(	(	PUNCT
fsr-3450	588	72	0.029	0.029	NUM
fsr-3450	588	73	)	)	PUNCT
fsr-3450	588	74	6.673	6.673	NUM
fsr-3450	588	75	(	(	PUNCT
fsr-3450	588	76	6.939	6.939	NUM
fsr-3450	588	77	)	)	PUNCT
fsr-3450	588	78	education	education	NOUN
fsr-3450	588	79	level	level	NOUN
fsr-3450	588	80	�	�	NOUN
fsr-3450	588	81	117.3	117.3	NUM
fsr-3450	588	82	*	*	SYM
fsr-3450	588	83	*	*	PUNCT
fsr-3450	588	84	(	(	PUNCT
fsr-3450	588	85	44.613	44.613	NUM
fsr-3450	588	86	)	)	PUNCT
fsr-3450	588	87	0.105	0.105	NUM
fsr-3450	588	88	*	*	PUNCT
fsr-3450	588	89	*	*	PUNCT
fsr-3450	588	90	*	*	PUNCT
fsr-3450	588	91	(	(	PUNCT
fsr-3450	588	92	0.027	0.027	NUM
fsr-3450	588	93	)	)	PUNCT
fsr-3450	588	94	1.151	1.151	NUM
fsr-3450	588	95	(	(	PUNCT
fsr-3450	588	96	4.360	4.360	NUM
fsr-3450	588	97	)	)	PUNCT
fsr-3450	588	98	real	real	ADJ
fsr-3450	588	99	assets	asset	NOUN
fsr-3450	588	100	(	(	PUNCT
fsr-3450	588	101	per	per	ADP
fsr-3450	588	102	$	$	SYM
fsr-3450	588	103	10k	10k	NUM
fsr-3450	588	104	)	)	PUNCT
fsr-3450	588	105	8.508	8.508	NUM
fsr-3450	588	106	(	(	PUNCT
fsr-3450	588	107	9.951	9.951	NUM
fsr-3450	588	108	)	)	PUNCT
fsr-3450	588	109	0.0435	0.0435	NUM
fsr-3450	588	110	*	*	PUNCT
fsr-3450	588	111	*	*	PUNCT
fsr-3450	588	112	*	*	PUNCT
fsr-3450	588	113	(	(	PUNCT
fsr-3450	588	114	0.004	0.004	NUM
fsr-3450	588	115	)	)	PUNCT
fsr-3450	588	116	0.342	0.342	NUM
fsr-3450	588	117	(	(	PUNCT
fsr-3450	588	118	0.526	0.526	NUM
fsr-3450	588	119	)	)	PUNCT
fsr-3450	588	120	liquid	liquid	ADJ
fsr-3450	588	121	assets	asset	NOUN
fsr-3450	588	122	(	(	PUNCT
fsr-3450	588	123	per	per	ADP
fsr-3450	588	124	$	$	SYM
fsr-3450	588	125	10k	10k	NUM
fsr-3450	588	126	)	)	PUNCT
fsr-3450	588	127	13.88	13.88	NUM
fsr-3450	588	128	(	(	PUNCT
fsr-3450	588	129	9.462	9.462	NUM
fsr-3450	588	130	)	)	PUNCT
fsr-3450	588	131	�	�	NOUN
fsr-3450	588	132	0.0343	0.0343	NUM
fsr-3450	588	133	*	*	NOUN
fsr-3450	588	134	*	*	PUNCT
fsr-3450	588	135	(	(	PUNCT
fsr-3450	588	136	0.013	0.013	NUM
fsr-3450	588	137	)	)	PUNCT
fsr-3450	588	138	�	�	PROPN
fsr-3450	588	139	3.307	3.307	NUM
fsr-3450	588	140	*	*	NOUN
fsr-3450	588	141	*	*	PUNCT
fsr-3450	588	142	(	(	PUNCT
fsr-3450	588	143	1.085	1.085	NUM
fsr-3450	588	144	)	)	PUNCT
fsr-3450	588	145	have	have	VERB
fsr-3450	588	146	houses	house	NOUN
fsr-3450	588	147	�	�	PROPN
fsr-3450	588	148	109.2	109.2	NUM
fsr-3450	588	149	(	(	PUNCT
fsr-3450	588	150	323.537	323.537	NUM
fsr-3450	588	151	)	)	PUNCT
fsr-3450	588	152	0.770	0.770	NUM
fsr-3450	588	153	*	*	PUNCT
fsr-3450	588	154	*	*	PUNCT
fsr-3450	588	155	*	*	PUNCT
fsr-3450	588	156	(	(	PUNCT
fsr-3450	588	157	0.084	0.084	NUM
fsr-3450	588	158	)	)	PUNCT
fsr-3450	589	1	60.14	60.14	NUM
fsr-3450	589	2	*	*	PUNCT
fsr-3450	589	3	*	*	PUNCT
fsr-3450	589	4	*	*	PUNCT
fsr-3450	589	5	(	(	PUNCT
fsr-3450	589	6	16.643	16.643	NUM
fsr-3450	589	7	)	)	PUNCT
fsr-3450	589	8	have	have	VERB
fsr-3450	589	9	savings	saving	NOUN
fsr-3450	589	10	�	�	NOUN
fsr-3450	589	11	1142.8	1142.8	NUM
fsr-3450	589	12	*	*	PUNCT
fsr-3450	589	13	*	*	PUNCT
fsr-3450	589	14	*	*	PUNCT
fsr-3450	589	15	(	(	PUNCT
fsr-3450	589	16	198.107	198.107	NUM
fsr-3450	589	17	)	)	PUNCT
fsr-3450	589	18	0.0345	0.0345	NUM
fsr-3450	589	19	(	(	PUNCT
fsr-3450	589	20	0.109	0.109	NUM
fsr-3450	589	21	)	)	PUNCT
fsr-3450	589	22	�	�	PROPN
fsr-3450	589	23	69.84	69.84	NUM
fsr-3450	589	24	*	*	PUNCT
fsr-3450	589	25	*	*	PUNCT
fsr-3450	589	26	*	*	PUNCT
fsr-3450	589	27	(	(	PUNCT
fsr-3450	589	28	19.396	19.396	NUM
fsr-3450	589	29	)	)	PUNCT
fsr-3450	589	30	race	race	NOUN
fsr-3450	589	31	black	black	ADJ
fsr-3450	589	32	314.1	314.1	NUM
fsr-3450	589	33	(	(	PUNCT
fsr-3450	589	34	373.679	373.679	NUM
fsr-3450	589	35	)	)	PUNCT
fsr-3450	589	36	0.113	0.113	NUM
fsr-3450	589	37	(	(	PUNCT
fsr-3450	589	38	0.077	0.077	NUM
fsr-3450	589	39	)	)	PUNCT
fsr-3450	589	40	65.24	65.24	NUM
fsr-3450	589	41	(	(	PUNCT
fsr-3450	589	42	54.015	54.015	NUM
fsr-3450	589	43	)	)	PUNCT
fsr-3450	589	44	race	race	NOUN
fsr-3450	589	45	hispanic	hispanic	ADJ
fsr-3450	589	46	�	�	PROPN
fsr-3450	589	47	168.1	168.1	NUM
fsr-3450	589	48	(	(	PUNCT
fsr-3450	589	49	385.584	385.584	NUM
fsr-3450	589	50	)	)	PUNCT
fsr-3450	589	51	0.108	0.108	NUM
fsr-3450	589	52	(	(	PUNCT
fsr-3450	589	53	0.099	0.099	NUM
fsr-3450	589	54	)	)	PUNCT
fsr-3450	589	55	19.05	19.05	NUM
fsr-3450	589	56	(	(	PUNCT
fsr-3450	589	57	25.444	25.444	NUM
fsr-3450	589	58	)	)	PUNCT
fsr-3450	589	59	race	race	NOUN
fsr-3450	589	60	other	other	ADJ
fsr-3450	589	61	�	�	PROPN
fsr-3450	589	62	662.5	662.5	NUM
fsr-3450	589	63	*	*	SYM
fsr-3450	589	64	*	*	PUNCT
fsr-3450	589	65	(	(	PUNCT
fsr-3450	589	66	237.327	237.327	NUM
fsr-3450	589	67	)	)	PUNCT
fsr-3450	589	68	0.576	0.576	NUM
fsr-3450	589	69	*	*	SYM
fsr-3450	589	70	(	(	PUNCT
fsr-3450	589	71	0.275	0.275	NUM
fsr-3450	589	72	)	)	PUNCT
fsr-3450	589	73	�	�	PROPN
fsr-3450	589	74	1.861	1.861	NUM
fsr-3450	589	75	(	(	PUNCT
fsr-3450	589	76	10.477	10.477	NUM
fsr-3450	589	77	)	)	PUNCT
fsr-3450	589	78	income	income	NOUN
fsr-3450	589	79	(	(	PUNCT
fsr-3450	589	80	per	per	ADP
fsr-3450	589	81	$	$	SYM
fsr-3450	589	82	10k	10k	NUM
fsr-3450	589	83	)	)	PUNCT
fsr-3450	589	84	�	�	PROPN
fsr-3450	589	85	43.01	43.01	NUM
fsr-3450	589	86	(	(	PUNCT
fsr-3450	589	87	22.350	22.350	NUM
fsr-3450	589	88	)	)	PUNCT
fsr-3450	589	89	�	�	PROPN
fsr-3450	589	90	0.120	0.120	NUM
fsr-3450	589	91	*	*	NOUN
fsr-3450	589	92	*	*	PUNCT
fsr-3450	589	93	(	(	PUNCT
fsr-3450	589	94	0.040	0.040	NUM
fsr-3450	589	95	)	)	PUNCT
fsr-3450	589	96	�	�	NOUN
fsr-3450	589	97	4.335	4.335	NUM
fsr-3450	589	98	(	(	PUNCT
fsr-3450	589	99	2.696	2.696	NUM
fsr-3450	589	100	)	)	PUNCT
fsr-3450	589	101	age	age	NOUN
fsr-3450	589	102	�	�	PROPN
fsr-3450	589	103	13.59	13.59	NUM
fsr-3450	589	104	*	*	NOUN
fsr-3450	589	105	*	*	PUNCT
fsr-3450	589	106	(	(	PUNCT
fsr-3450	589	107	4.997	4.997	NUM
fsr-3450	589	108	)	)	PUNCT
fsr-3450	589	109	�	�	PROPN
fsr-3450	589	110	0.0239	0.0239	NUM
fsr-3450	589	111	*	*	PROPN
fsr-3450	589	112	*	*	PUNCT
fsr-3450	589	113	*	*	PUNCT
fsr-3450	589	114	(	(	PUNCT
fsr-3450	589	115	0.002	0.002	NUM
fsr-3450	589	116	)	)	PUNCT
fsr-3450	589	117	�	�	PROPN
fsr-3450	589	118	0.517	0.517	NUM
fsr-3450	589	119	(	(	PUNCT
fsr-3450	589	120	0.292	0.292	NUM
fsr-3450	589	121	)	)	PUNCT
fsr-3450	589	122	financial	financial	ADJ
fsr-3450	589	123	planning	planning	NOUN
fsr-3450	589	124	horizon	horizon	NOUN
fsr-3450	589	125	(	(	PUNCT
fsr-3450	589	126	omitted	omit	VERB
fsr-3450	589	127	baseline	baseline	NOUN
fsr-3450	589	128	category	category	NOUN
fsr-3450	589	129	“	"	PUNCT
fsr-3450	589	130	next	next	ADJ
fsr-3450	589	131	few	few	ADJ
fsr-3450	589	132	months	month	NOUN
fsr-3450	589	133	”	"	PUNCT
fsr-3450	589	134	)	)	PUNCT
fsr-3450	589	135	next	next	ADJ
fsr-3450	589	136	year	year	NOUN
fsr-3450	589	137	�	�	PROPN
fsr-3450	589	138	1184.4	1184.4	NUM
fsr-3450	589	139	*	*	PUNCT
fsr-3450	589	140	*	*	PUNCT
fsr-3450	589	141	(	(	PUNCT
fsr-3450	589	142	379.501	379.501	NUM
fsr-3450	589	143	)	)	PUNCT
fsr-3450	589	144	0.234	0.234	NUM
fsr-3450	589	145	(	(	PUNCT
fsr-3450	589	146	0.198	0.198	NUM
fsr-3450	589	147	)	)	PUNCT
fsr-3450	589	148	�	�	PROPN
fsr-3450	589	149	48.46	48.46	NUM
fsr-3450	589	150	*	*	PUNCT
fsr-3450	589	151	*	*	PUNCT
fsr-3450	589	152	(	(	PUNCT
fsr-3450	589	153	16.202	16.202	NUM
fsr-3450	589	154	)	)	PUNCT
fsr-3450	589	155	next	next	ADJ
fsr-3450	589	156	few	few	ADJ
fsr-3450	589	157	years	year	NOUN
fsr-3450	589	158	�	�	PROPN
fsr-3450	589	159	917.7	917.7	NUM
fsr-3450	589	160	*	*	SYM
fsr-3450	589	161	(	(	PUNCT
fsr-3450	589	162	371.363	371.363	NUM
fsr-3450	589	163	)	)	PUNCT
fsr-3450	589	164	�	�	PROPN
fsr-3450	589	165	0.150	0.150	NUM
fsr-3450	589	166	*	*	PUNCT
fsr-3450	589	167	(	(	PUNCT
fsr-3450	589	168	0.071	0.071	NUM
fsr-3450	589	169	)	)	PUNCT
fsr-3450	589	170	�	�	PROPN
fsr-3450	589	171	4.372	4.372	NUM
fsr-3450	589	172	(	(	PUNCT
fsr-3450	589	173	29.915	29.915	NUM
fsr-3450	589	174	)	)	PUNCT
fsr-3450	589	175	next	next	ADP
fsr-3450	589	176	5	5	NUM
fsr-3450	589	177	to	to	PART
fsr-3450	589	178	10	10	NUM
fsr-3450	589	179	years	year	NOUN
fsr-3450	589	180	�	�	PROPN
fsr-3450	589	181	1196.6	1196.6	NUM
fsr-3450	589	182	*	*	PUNCT
fsr-3450	589	183	*	*	PUNCT
fsr-3450	589	184	*	*	PUNCT
fsr-3450	589	185	(	(	PUNCT
fsr-3450	589	186	339.037	339.037	NUM
fsr-3450	589	187	)	)	PUNCT
fsr-3450	589	188	�	�	PROPN
fsr-3450	589	189	0.150	0.150	NUM
fsr-3450	589	190	(	(	PUNCT
fsr-3450	589	191	0.086	0.086	NUM
fsr-3450	589	192	)	)	PUNCT
fsr-3450	589	193	�	�	PROPN
fsr-3450	589	194	52.28	52.28	NUM
fsr-3450	589	195	*	*	PUNCT
fsr-3450	589	196	*	*	PUNCT
fsr-3450	589	197	(	(	PUNCT
fsr-3450	589	198	16.884	16.884	NUM
fsr-3450	589	199	)	)	PUNCT
fsr-3450	589	200	longer	long	ADJ
fsr-3450	589	201	than	than	ADP
fsr-3450	589	202	10	10	NUM
fsr-3450	589	203	years	year	NOUN
fsr-3450	589	204	�	�	PROPN
fsr-3450	589	205	752.0	752.0	NUM
fsr-3450	589	206	(	(	PUNCT
fsr-3450	589	207	389.874	389.874	NUM
fsr-3450	589	208	)	)	PUNCT
fsr-3450	589	209	�	�	PROPN
fsr-3450	589	210	0.241	0.241	NUM
fsr-3450	589	211	*	*	PUNCT
fsr-3450	589	212	(	(	PUNCT
fsr-3450	589	213	0.120	0.120	NUM
fsr-3450	589	214	)	)	PUNCT
fsr-3450	589	215	�	�	PROPN
fsr-3450	589	216	54.19	54.19	NUM
fsr-3450	589	217	*	*	PUNCT
fsr-3450	589	218	*	*	PUNCT
fsr-3450	589	219	(	(	PUNCT
fsr-3450	589	220	16.834	16.834	NUM
fsr-3450	589	221	)	)	PUNCT
fsr-3450	589	222	n	n	PRON
fsr-3450	590	1	3,561	3,561	NUM
fsr-3450	590	2	3,561	3,561	NUM
fsr-3450	590	3	3,495	3,495	NUM
fsr-3450	590	4	notes	note	NOUN
fsr-3450	590	5	:	:	PUNCT
fsr-3450	590	6	a	a	DET
fsr-3450	590	7	the	the	DET
fsr-3450	590	8	analysis	analysis	NOUN
fsr-3450	590	9	sample	sample	NOUN
fsr-3450	590	10	in	in	ADP
fsr-3450	590	11	this	this	DET
fsr-3450	590	12	regression	regression	NOUN
fsr-3450	590	13	has	have	AUX
fsr-3450	590	14	been	be	AUX
fsr-3450	590	15	reduced	reduce	VERB
fsr-3450	590	16	and	and	CCONJ
fsr-3450	590	17	does	do	AUX
fsr-3450	590	18	not	not	PART
fsr-3450	590	19	include	include	VERB
fsr-3450	590	20	the	the	DET
fsr-3450	590	21	households	household	NOUN
fsr-3450	590	22	whose	whose	DET
fsr-3450	590	23	total	total	ADJ
fsr-3450	590	24	debt	debt	NOUN
fsr-3450	590	25	amount	amount	NOUN
fsr-3450	590	26	equals	equal	VERB
fsr-3450	590	27	to	to	ADP
fsr-3450	590	28	zero	zero	NUM
fsr-3450	590	29	.	.	PUNCT
fsr-3450	591	1	b	b	X
fsr-3450	591	2	the	the	DET
fsr-3450	591	3	analysis	analysis	NOUN
fsr-3450	591	4	sample	sample	NOUN
fsr-3450	591	5	in	in	ADP
fsr-3450	591	6	this	this	DET
fsr-3450	591	7	regression	regression	NOUN
fsr-3450	591	8	only	only	ADV
fsr-3450	591	9	include	include	VERB
fsr-3450	591	10	the	the	DET
fsr-3450	591	11	households	household	NOUN
fsr-3450	591	12	whose	whose	DET
fsr-3450	591	13	total	total	ADJ
fsr-3450	591	14	debt	debt	NOUN
fsr-3450	591	15	amount	amount	NOUN
fsr-3450	591	16	is	be	AUX
fsr-3450	591	17	greater	great	ADJ
fsr-3450	591	18	than	than	ADP
fsr-3450	591	19	zero	zero	NUM
fsr-3450	591	20	.	.	PUNCT
fsr-3450	592	1	c	c	AUX
fsr-3450	592	2	the	the	DET
fsr-3450	592	3	analysis	analysis	NOUN
fsr-3450	592	4	sample	sample	NOUN
fsr-3450	592	5	in	in	ADP
fsr-3450	592	6	this	this	DET
fsr-3450	592	7	regression	regression	NOUN
fsr-3450	592	8	only	only	ADV
fsr-3450	592	9	include	include	VERB
fsr-3450	592	10	the	the	DET
fsr-3450	592	11	households	household	NOUN
fsr-3450	592	12	whose	whose	DET
fsr-3450	592	13	total	total	ADJ
fsr-3450	592	14	debt	debt	NOUN
fsr-3450	592	15	amount	amount	NOUN
fsr-3450	592	16	is	be	AUX
fsr-3450	592	17	greater	great	ADJ
fsr-3450	592	18	than	than	ADP
fsr-3450	592	19	zero	zero	NUM
fsr-3450	592	20	.	.	PUNCT
fsr-3450	593	1	the	the	DET
fsr-3450	593	2	analysis	analysis	NOUN
fsr-3450	593	3	sample	sample	NOUN
fsr-3450	593	4	is	be	AUX
fsr-3450	593	5	further	far	ADV
fsr-3450	593	6	reduced	reduce	VERB
fsr-3450	593	7	by	by	ADP
fsr-3450	593	8	eliminating	eliminate	VERB
fsr-3450	593	9	the	the	DET
fsr-3450	593	10	households	household	NOUN
fsr-3450	593	11	whose	whose	DET
fsr-3450	593	12	total	total	ADJ
fsr-3450	593	13	financial	financial	ADJ
fsr-3450	593	14	assets	asset	NOUN
fsr-3450	593	15	is	be	AUX
fsr-3450	593	16	less	less	ADJ
fsr-3450	593	17	than	than	ADP
fsr-3450	593	18	$	$	SYM
fsr-3450	593	19	10	10	NUM
fsr-3450	593	20	.	.	PUNCT
fsr-3450	594	1	144	144	NUM
fsr-3450	594	2	z.	z.	PROPN
fsr-3450	594	3	liu	liu	PROPN
fsr-3450	594	4	and	and	CCONJ
fsr-3450	594	5	d.	d.	PROPN
fsr-3450	594	6	m.	m.	PROPN
fsr-3450	594	7	blanchett	blanchett	PROPN
fsr-3450	594	8	/	/	SYM
fsr-3450	594	9	financial	financial	ADJ
fsr-3450	594	10	services	service	NOUN
fsr-3450	594	11	review	review	VERB
fsr-3450	594	12	29	29	NUM
fsr-3450	594	13	(	(	PUNCT
fsr-3450	594	14	2021	2021	NUM
fsr-3450	594	15	)	)	PUNCT
fsr-3450	595	1	121–145	121–145	NUM
fsr-3450	595	2	federal	federal	PROPN
fsr-3450	595	3	reserve	reserve	PROPN
fsr-3450	595	4	bank	bank	PROPN
fsr-3450	595	5	of	of	ADP
fsr-3450	595	6	new	new	PROPN
fsr-3450	595	7	york	york	PROPN
fsr-3450	595	8	center	center	PROPN
fsr-3450	595	9	for	for	ADP
fsr-3450	595	10	microeconomic	microeconomic	ADJ
fsr-3450	595	11	data	datum	NOUN
fsr-3450	595	12	.	.	PUNCT
fsr-3450	596	1	(	(	PUNCT
fsr-3450	596	2	2020	2020	NUM
fsr-3450	596	3	)	)	PUNCT
fsr-3450	596	4	.	.	PUNCT
fsr-3450	597	1	quarterly	quarterly	ADJ
fsr-3450	597	2	report	report	NOUN
fsr-3450	597	3	on	on	ADP
fsr-3450	597	4	household	household	NOUN
fsr-3450	597	5	debt	debt	NOUN
fsr-3450	597	6	and	and	CCONJ
fsr-3450	597	7	credit	credit	NOUN
fsr-3450	597	8	,	,	PUNCT
fsr-3450	597	9	2020	2020	NUM
fsr-3450	597	10	:	:	PUNCT
fsr-3450	597	11	q2	q2	NOUN
fsr-3450	597	12	.	.	PUNCT
fsr-3450	598	1	(	(	PUNCT
fsr-3450	598	2	available	available	ADJ
fsr-3450	598	3	at	at	ADP
fsr-3450	598	4	https://www.newyorkfed.org/microeconomics/hhdc.html	https://www.newyorkfed.org/microeconomics/hhdc.html	ADV
fsr-3450	598	5	)	)	PUNCT
fsr-3450	598	6	.	.	PUNCT
fsr-3450	599	1	gustman	gustman	PROPN
fsr-3450	599	2	,	,	PUNCT
fsr-3450	599	3	a.	a.	PROPN
fsr-3450	599	4	l.	l.	PROPN
fsr-3450	599	5	,	,	PUNCT
fsr-3450	599	6	steinmeier	steinmeier	PROPN
fsr-3450	599	7	,	,	PUNCT
fsr-3450	599	8	t.	t.	PROPN
fsr-3450	599	9	l.	l.	PROPN
fsr-3450	599	10	,	,	PUNCT
fsr-3450	599	11	&	&	CCONJ
fsr-3450	599	12	tabatabai	tabatabai	PROPN
fsr-3450	599	13	,	,	PUNCT
fsr-3450	599	14	n.	n.	NOUN
fsr-3450	599	15	(	(	PUNCT
fsr-3450	599	16	2011	2011	NUM
fsr-3450	599	17	)	)	PUNCT
fsr-3450	599	18	.	.	PUNCT
fsr-3450	600	1	how	how	SCONJ
fsr-3450	600	2	did	do	AUX
fsr-3450	600	3	the	the	DET
fsr-3450	600	4	recession	recession	NOUN
fsr-3450	600	5	of	of	ADP
fsr-3450	600	6	2007	2007	NUM
fsr-3450	600	7	-	-	SYM
fsr-3450	600	8	2009	2009	NUM
fsr-3450	600	9	affect	affect	VERB
fsr-3450	600	10	the	the	DET
fsr-3450	600	11	wealth	wealth	NOUN
fsr-3450	600	12	and	and	CCONJ
fsr-3450	600	13	retirement	retirement	NOUN
fsr-3450	600	14	of	of	ADP
fsr-3450	600	15	the	the	DET
fsr-3450	600	16	near	near	PROPN
fsr-3450	600	17	retirement	retirement	NOUN
fsr-3450	600	18	age	age	NOUN
fsr-3450	600	19	population	population	NOUN
fsr-3450	600	20	in	in	ADP
fsr-3450	600	21	the	the	DET
fsr-3450	600	22	health	health	NOUN
fsr-3450	600	23	and	and	CCONJ
fsr-3450	600	24	retirement	retirement	NOUN
fsr-3450	600	25	study	study	NOUN
fsr-3450	600	26	?	?	PUNCT
fsr-3450	601	1	(	(	PUNCT
fsr-3450	601	2	no	no	INTJ
fsr-3450	601	3	.	.	PUNCT
fsr-3450	602	1	w17547	w17547	NOUN
fsr-3450	602	2	)	)	PUNCT
fsr-3450	602	3	.	.	PUNCT
fsr-3450	603	1	national	national	PROPN
fsr-3450	603	2	bureau	bureau	PROPN
fsr-3450	603	3	of	of	ADP
fsr-3450	603	4	economic	economic	ADJ
fsr-3450	603	5	research	research	NOUN
fsr-3450	603	6	.	.	PUNCT
fsr-3450	604	1	hanson	hanson	PROPN
fsr-3450	604	2	,	,	PUNCT
fsr-3450	604	3	j.	j.	PROPN
fsr-3450	604	4	(	(	PUNCT
fsr-3450	604	5	2006	2006	NUM
fsr-3450	604	6	)	)	PUNCT
fsr-3450	604	7	.	.	PUNCT
fsr-3450	605	1	good	good	ADJ
fsr-3450	605	2	debt	debt	NOUN
fsr-3450	605	3	,	,	PUNCT
fsr-3450	605	4	bad	bad	ADJ
fsr-3450	605	5	debt	debt	NOUN
fsr-3450	605	6	:	:	PUNCT
fsr-3450	605	7	knowing	know	VERB
fsr-3450	605	8	the	the	DET
fsr-3450	605	9	difference	difference	NOUN
fsr-3450	605	10	can	can	AUX
fsr-3450	605	11	save	save	VERB
fsr-3450	605	12	your	your	PRON
fsr-3450	605	13	financial	financial	ADJ
fsr-3450	605	14	life	life	NOUN
fsr-3450	605	15	.	.	PUNCT
fsr-3450	606	1	new	new	PROPN
fsr-3450	606	2	york	york	PROPN
fsr-3450	606	3	,	,	PUNCT
fsr-3450	606	4	ny	ny	PROPN
fsr-3450	606	5	:	:	PUNCT
fsr-3450	606	6	portfolio	portfolio	NOUN
fsr-3450	606	7	penguin	penguin	PROPN
fsr-3450	606	8	.	.	PUNCT
fsr-3450	607	1	jappelli	jappelli	PROPN
fsr-3450	607	2	,	,	PUNCT
fsr-3450	607	3	t.	t.	PROPN
fsr-3450	607	4	,	,	PUNCT
fsr-3450	607	5	&	&	CCONJ
fsr-3450	607	6	pagano	pagano	PROPN
fsr-3450	607	7	,	,	PUNCT
fsr-3450	607	8	m.	m.	NOUN
fsr-3450	607	9	(	(	PUNCT
fsr-3450	607	10	1989	1989	NUM
fsr-3450	607	11	)	)	PUNCT
fsr-3450	607	12	.	.	PUNCT
fsr-3450	608	1	consumption	consumption	NOUN
fsr-3450	608	2	and	and	CCONJ
fsr-3450	608	3	capital	capital	NOUN
fsr-3450	608	4	market	market	NOUN
fsr-3450	608	5	imperfections	imperfection	NOUN
fsr-3450	608	6	:	:	PUNCT
fsr-3450	608	7	an	an	DET
fsr-3450	608	8	international	international	ADJ
fsr-3450	608	9	comparison	comparison	NOUN
fsr-3450	608	10	.	.	PUNCT
fsr-3450	609	1	the	the	DET
fsr-3450	609	2	american	american	PROPN
fsr-3450	609	3	economic	economic	PROPN
fsr-3450	609	4	review	review	PROPN
fsr-3450	609	5	,	,	PUNCT
fsr-3450	609	6	79	79	NUM
fsr-3450	609	7	,	,	PUNCT
fsr-3450	609	8	1088	1088	NUM
fsr-3450	609	9	-	-	SYM
fsr-3450	609	10	1105	1105	NUM
fsr-3450	609	11	.	.	PUNCT
fsr-3450	610	1	jiang	jiang	PROPN
fsr-3450	610	2	,	,	PUNCT
fsr-3450	610	3	s.	s.	PROPN
fsr-3450	610	4	s.	s.	PROPN
fsr-3450	610	5	,	,	PUNCT
fsr-3450	610	6	&	&	CCONJ
fsr-3450	610	7	dunn	dunn	PROPN
fsr-3450	610	8	,	,	PUNCT
fsr-3450	610	9	l.	l.	PROPN
fsr-3450	610	10	f.	f.	PROPN
fsr-3450	610	11	(	(	PUNCT
fsr-3450	610	12	2013	2013	NUM
fsr-3450	610	13	)	)	PUNCT
fsr-3450	610	14	.	.	PUNCT
fsr-3450	611	1	new	new	ADJ
fsr-3450	611	2	evidence	evidence	NOUN
fsr-3450	611	3	on	on	ADP
fsr-3450	611	4	credit	credit	NOUN
fsr-3450	611	5	card	card	NOUN
fsr-3450	611	6	borrowing	borrowing	NOUN
fsr-3450	611	7	and	and	CCONJ
fsr-3450	611	8	repayment	repayment	NOUN
fsr-3450	611	9	patterns	pattern	NOUN
fsr-3450	611	10	.	.	PUNCT
fsr-3450	612	1	economic	economic	ADJ
fsr-3450	612	2	inquiry	inquiry	NOUN
fsr-3450	612	3	,	,	PUNCT
fsr-3450	612	4	51	51	NUM
fsr-3450	612	5	,	,	PUNCT
fsr-3450	612	6	394	394	NUM
fsr-3450	612	7	-	-	SYM
fsr-3450	612	8	407	407	NUM
fsr-3450	612	9	.	.	PUNCT
fsr-3450	613	1	kim	kim	PROPN
fsr-3450	613	2	,	,	PUNCT
fsr-3450	613	3	h.	h.	PROPN
fsr-3450	613	4	,	,	PUNCT
fsr-3450	613	5	&	&	CCONJ
fsr-3450	613	6	devaney	devaney	PROPN
fsr-3450	613	7	,	,	PUNCT
fsr-3450	613	8	s.	s.	PROPN
fsr-3450	613	9	a.	a.	PROPN
fsr-3450	613	10	(	(	PUNCT
fsr-3450	613	11	2001	2001	NUM
fsr-3450	613	12	)	)	PUNCT
fsr-3450	613	13	.	.	PUNCT
fsr-3450	614	1	the	the	DET
fsr-3450	614	2	determinants	determinant	NOUN
fsr-3450	614	3	of	of	ADP
fsr-3450	614	4	outstanding	outstanding	ADJ
fsr-3450	614	5	balances	balance	NOUN
fsr-3450	614	6	among	among	ADP
fsr-3450	614	7	credit	credit	NOUN
fsr-3450	614	8	card	card	NOUN
fsr-3450	614	9	revolvers	revolver	NOUN
fsr-3450	614	10	.	.	PUNCT
fsr-3450	615	1	financial	financial	ADJ
fsr-3450	615	2	counseling	counseling	NOUN
fsr-3450	615	3	and	and	CCONJ
fsr-3450	615	4	planning	planning	NOUN
fsr-3450	615	5	,	,	PUNCT
fsr-3450	615	6	12	12	NUM
fsr-3450	615	7	,	,	PUNCT
fsr-3450	615	8	67	67	NUM
fsr-3450	615	9	-	-	SYM
fsr-3450	615	10	77	77	NUM
fsr-3450	615	11	.	.	PUNCT
fsr-3450	616	1	lee	lee	PROPN
fsr-3450	616	2	,	,	PUNCT
fsr-3450	616	3	y.	y.	PROPN
fsr-3450	616	4	g.	g.	PROPN
fsr-3450	616	5	,	,	PUNCT
fsr-3450	616	6	lown	lown	PROPN
fsr-3450	616	7	,	,	PUNCT
fsr-3450	616	8	j.	j.	PROPN
fsr-3450	616	9	m.	m.	PROPN
fsr-3450	616	10	,	,	PUNCT
fsr-3450	616	11	&	&	CCONJ
fsr-3450	616	12	sharpe	sharpe	PROPN
fsr-3450	616	13	,	,	PUNCT
fsr-3450	616	14	d.	d.	PROPN
fsr-3450	616	15	l.	l.	PROPN
fsr-3450	616	16	(	(	PUNCT
fsr-3450	616	17	2007	2007	NUM
fsr-3450	616	18	)	)	PUNCT
fsr-3450	616	19	.	.	PUNCT
fsr-3450	617	1	predictors	predictor	NOUN
fsr-3450	617	2	of	of	ADP
fsr-3450	617	3	holding	hold	VERB
fsr-3450	617	4	consumer	consumer	NOUN
fsr-3450	617	5	and	and	CCONJ
fsr-3450	617	6	mortgage	mortgage	NOUN
fsr-3450	617	7	debt	debt	NOUN
fsr-3450	617	8	among	among	ADP
fsr-3450	617	9	older	old	ADJ
fsr-3450	617	10	americans	americans	PROPN
fsr-3450	617	11	.	.	PUNCT
fsr-3450	618	1	journal	journal	PROPN
fsr-3450	618	2	of	of	ADP
fsr-3450	618	3	family	family	NOUN
fsr-3450	618	4	and	and	CCONJ
fsr-3450	618	5	economic	economic	ADJ
fsr-3450	618	6	issues	issue	NOUN
fsr-3450	618	7	,	,	PUNCT
fsr-3450	618	8	28	28	NUM
fsr-3450	618	9	,	,	PUNCT
fsr-3450	618	10	305	305	NUM
fsr-3450	618	11	-	-	SYM
fsr-3450	618	12	320	320	NUM
fsr-3450	618	13	.	.	PUNCT
fsr-3450	619	1	modigliani	modigliani	PROPN
fsr-3450	619	2	,	,	PUNCT
fsr-3450	619	3	f.	f.	PROPN
fsr-3450	619	4	(	(	PUNCT
fsr-3450	619	5	1986	1986	NUM
fsr-3450	619	6	)	)	PUNCT
fsr-3450	619	7	.	.	PUNCT
fsr-3450	620	1	life	life	NOUN
fsr-3450	620	2	cycle	cycle	NOUN
fsr-3450	620	3	,	,	PUNCT
fsr-3450	620	4	individual	individual	ADJ
fsr-3450	620	5	thrift	thrift	NOUN
fsr-3450	620	6	,	,	PUNCT
fsr-3450	620	7	and	and	CCONJ
fsr-3450	620	8	the	the	DET
fsr-3450	620	9	wealth	wealth	NOUN
fsr-3450	620	10	of	of	ADP
fsr-3450	620	11	nations	nation	NOUN
fsr-3450	620	12	.	.	PUNCT
fsr-3450	621	1	science	science	NOUN
fsr-3450	621	2	,	,	PUNCT
fsr-3450	621	3	234	234	NUM
fsr-3450	621	4	,	,	PUNCT
fsr-3450	621	5	704	704	NUM
fsr-3450	621	6	-	-	SYM
fsr-3450	621	7	712	712	NUM
fsr-3450	621	8	.	.	PUNCT
fsr-3450	622	1	nielsen	nielsen	PROPN
fsr-3450	622	2	,	,	PUNCT
fsr-3450	622	3	r.	r.	PROPN
fsr-3450	622	4	b.	b.	PROPN
fsr-3450	622	5	(	(	PUNCT
fsr-3450	622	6	2015	2015	NUM
fsr-3450	622	7	)	)	PUNCT
fsr-3450	622	8	.	.	PUNCT
fsr-3450	623	1	scf	scf	PROPN
fsr-3450	623	2	complex	complex	ADJ
fsr-3450	623	3	sample	sample	NOUN
fsr-3450	623	4	specification	specification	NOUN
fsr-3450	623	5	for	for	ADP
fsr-3450	623	6	stata	stata	NOUN
fsr-3450	623	7	.	.	PUNCT
fsr-3450	624	1	technical	technical	ADJ
fsr-3450	624	2	note	note	NOUN
fsr-3450	624	3	.	.	PUNCT
fsr-3450	625	1	department	department	NOUN
fsr-3450	625	2	of	of	ADP
fsr-3450	625	3	financial	financial	ADJ
fsr-3450	625	4	planning	planning	NOUN
fsr-3450	625	5	housing	housing	NOUN
fsr-3450	625	6	and	and	CCONJ
fsr-3450	625	7	consumer	consumer	NOUN
fsr-3450	625	8	economics	economic	NOUN
fsr-3450	625	9	.	.	PUNCT
fsr-3450	626	1	university	university	NOUN
fsr-3450	626	2	of	of	ADP
fsr-3450	626	3	georgia	georgia	PROPN
fsr-3450	626	4	,	,	PUNCT
fsr-3450	626	5	athens	athens	PROPN
fsr-3450	626	6	,	,	PUNCT
fsr-3450	626	7	ga	ga	PROPN
fsr-3450	626	8	.	.	PROPN
fsr-3450	626	9	stango	stango	PROPN
fsr-3450	626	10	,	,	PUNCT
fsr-3450	626	11	v.	v.	PROPN
fsr-3450	626	12	,	,	PUNCT
fsr-3450	626	13	&	&	CCONJ
fsr-3450	626	14	zinman	zinman	PROPN
fsr-3450	626	15	,	,	PUNCT
fsr-3450	626	16	j.	j.	PROPN
fsr-3450	626	17	(	(	PUNCT
fsr-3450	626	18	2016	2016	NUM
fsr-3450	626	19	)	)	PUNCT
fsr-3450	626	20	.	.	PUNCT
fsr-3450	627	1	borrowing	borrow	VERB
fsr-3450	627	2	high	high	ADJ
fsr-3450	627	3	versus	versus	ADP
fsr-3450	627	4	borrowing	borrow	VERB
fsr-3450	627	5	higher	high	ADJ
fsr-3450	627	6	:	:	PUNCT
fsr-3450	627	7	price	price	NOUN
fsr-3450	627	8	dispersion	dispersion	NOUN
fsr-3450	627	9	and	and	CCONJ
fsr-3450	627	10	shopping	shopping	NOUN
fsr-3450	627	11	behavior	behavior	NOUN
fsr-3450	627	12	in	in	ADP
fsr-3450	627	13	the	the	DET
fsr-3450	627	14	us	us	PROPN
fsr-3450	627	15	credit	credit	NOUN
fsr-3450	627	16	card	card	NOUN
fsr-3450	627	17	market	market	NOUN
fsr-3450	627	18	.	.	PUNCT
fsr-3450	628	1	review	review	NOUN
fsr-3450	628	2	of	of	ADP
fsr-3450	628	3	financial	financial	ADJ
fsr-3450	628	4	studies	study	NOUN
fsr-3450	628	5	,	,	PUNCT
fsr-3450	628	6	29	29	NUM
fsr-3450	628	7	,	,	PUNCT
fsr-3450	628	8	979	979	NUM
fsr-3450	628	9	-	-	SYM
fsr-3450	628	10	1006	1006	NUM
fsr-3450	628	11	.	.	PUNCT
fsr-3450	629	1	stegman	stegman	NOUN
fsr-3450	629	2	,	,	PUNCT
fsr-3450	629	3	m.	m.	NOUN
fsr-3450	629	4	a.	a.	NOUN
fsr-3450	629	5	(	(	PUNCT
fsr-3450	629	6	2007	2007	NUM
fsr-3450	629	7	)	)	PUNCT
fsr-3450	629	8	.	.	PUNCT
fsr-3450	630	1	payday	payday	NOUN
fsr-3450	630	2	lending	lending	NOUN
fsr-3450	630	3	.	.	PUNCT
fsr-3450	631	1	journal	journal	NOUN
fsr-3450	631	2	of	of	ADP
fsr-3450	631	3	economic	economic	ADJ
fsr-3450	631	4	perspectives	perspective	NOUN
fsr-3450	631	5	,	,	PUNCT
fsr-3450	631	6	21	21	NUM
fsr-3450	631	7	,	,	PUNCT
fsr-3450	631	8	169	169	NUM
fsr-3450	631	9	-	-	SYM
fsr-3450	631	10	190	190	NUM
fsr-3450	631	11	.	.	PUNCT
fsr-3450	631	12	sweet	sweet	ADJ
fsr-3450	631	13	,	,	PUNCT
fsr-3450	631	14	e.	e.	PROPN
fsr-3450	631	15	,	,	PUNCT
fsr-3450	631	16	nandi	nandi	PROPN
fsr-3450	631	17	,	,	PUNCT
fsr-3450	631	18	a.	a.	PROPN
fsr-3450	631	19	,	,	PUNCT
fsr-3450	631	20	adam	adam	PROPN
fsr-3450	631	21	,	,	PUNCT
fsr-3450	631	22	e.	e.	PROPN
fsr-3450	631	23	k.	k.	PROPN
fsr-3450	631	24	,	,	PUNCT
fsr-3450	631	25	&	&	CCONJ
fsr-3450	631	26	mcdade	mcdade	PROPN
fsr-3450	631	27	,	,	PUNCT
fsr-3450	631	28	t.	t.	PROPN
fsr-3450	631	29	w.	w.	PROPN
fsr-3450	631	30	(	(	PUNCT
fsr-3450	631	31	2013	2013	NUM
fsr-3450	631	32	)	)	PUNCT
fsr-3450	631	33	.	.	PUNCT
fsr-3450	632	1	the	the	DET
fsr-3450	632	2	high	high	ADJ
fsr-3450	632	3	price	price	NOUN
fsr-3450	632	4	of	of	ADP
fsr-3450	632	5	debt	debt	NOUN
fsr-3450	632	6	:	:	PUNCT
fsr-3450	632	7	household	household	NOUN
fsr-3450	632	8	financial	financial	ADJ
fsr-3450	632	9	debt	debt	NOUN
fsr-3450	632	10	and	and	CCONJ
fsr-3450	632	11	its	its	PRON
fsr-3450	632	12	impact	impact	NOUN
fsr-3450	632	13	on	on	ADP
fsr-3450	632	14	mental	mental	ADJ
fsr-3450	632	15	and	and	CCONJ
fsr-3450	632	16	physical	physical	ADJ
fsr-3450	632	17	health	health	NOUN
fsr-3450	632	18	.	.	PUNCT
fsr-3450	633	1	social	social	ADJ
fsr-3450	633	2	science	science	PROPN
fsr-3450	633	3	&	&	CCONJ
fsr-3450	633	4	medicine	medicine	PROPN
fsr-3450	633	5	,	,	PUNCT
fsr-3450	633	6	91	91	NUM
fsr-3450	633	7	,	,	PUNCT
fsr-3450	633	8	94	94	NUM
fsr-3450	633	9	-	-	SYM
fsr-3450	633	10	100	100	NUM
fsr-3450	633	11	.	.	PUNCT
fsr-3450	634	1	wärneryd	wärneryd	PROPN
fsr-3450	634	2	,	,	PUNCT
fsr-3450	634	3	k.	k.	PROPN
fsr-3450	634	4	e.	e.	PROPN
fsr-3450	634	5	(	(	PUNCT
fsr-3450	634	6	1999	1999	NUM
fsr-3450	634	7	)	)	PUNCT
fsr-3450	634	8	.	.	PUNCT
fsr-3450	635	1	the	the	DET
fsr-3450	635	2	psychology	psychology	NOUN
fsr-3450	635	3	of	of	ADP
fsr-3450	635	4	saving	saving	PROPN
fsr-3450	635	5	.	.	PUNCT
fsr-3450	636	1	a	a	DET
fsr-3450	636	2	study	study	NOUN
fsr-3450	636	3	on	on	ADP
fsr-3450	636	4	economic	economic	ADJ
fsr-3450	636	5	psychology	psychology	NOUN
fsr-3450	636	6	.	.	PUNCT
fsr-3450	637	1	cheltenham	cheltenham	PROPN
fsr-3450	637	2	:	:	PUNCT
fsr-3450	637	3	edward	edward	PROPN
fsr-3450	637	4	elgar	elgar	PROPN
fsr-3450	637	5	publishing	publishing	PROPN
fsr-3450	637	6	.	.	PUNCT
fsr-3450	638	1	zinman	zinman	PROPN
fsr-3450	638	2	,	,	PUNCT
fsr-3450	638	3	j.	j.	PROPN
fsr-3450	638	4	(	(	PUNCT
fsr-3450	638	5	2015	2015	NUM
fsr-3450	638	6	)	)	PUNCT
fsr-3450	638	7	.	.	PUNCT
fsr-3450	639	1	household	household	NOUN
fsr-3450	639	2	debt	debt	NOUN
fsr-3450	639	3	:	:	PUNCT
fsr-3450	639	4	facts	fact	NOUN
fsr-3450	639	5	,	,	PUNCT
fsr-3450	639	6	puzzles	puzzle	NOUN
fsr-3450	639	7	,	,	PUNCT
fsr-3450	639	8	theories	theory	NOUN
fsr-3450	639	9	,	,	PUNCT
fsr-3450	639	10	and	and	CCONJ
fsr-3450	639	11	policies	policy	NOUN
fsr-3450	639	12	.	.	PUNCT
fsr-3450	640	1	economics	economic	NOUN
fsr-3450	640	2	,	,	PUNCT
fsr-3450	640	3	7	7	NUM
fsr-3450	640	4	,	,	PUNCT
fsr-3450	640	5	251	251	NUM
fsr-3450	640	6	-	-	SYM
fsr-3450	640	7	276	276	NUM
fsr-3450	640	8	.	.	PUNCT
fsr-3450	641	1	z.	z.	PROPN
fsr-3450	641	2	liu	liu	PROPN
fsr-3450	641	3	and	and	CCONJ
fsr-3450	641	4	d.	d.	PROPN
fsr-3450	641	5	m.	m.	PROPN
fsr-3450	641	6	blanchett	blanchett	PROPN
fsr-3450	641	7	/	/	SYM
fsr-3450	641	8	financial	financial	ADJ
fsr-3450	641	9	services	service	NOUN
fsr-3450	641	10	review	review	VERB
fsr-3450	641	11	29	29	NUM
fsr-3450	641	12	(	(	PUNCT
fsr-3450	641	13	2021	2021	NUM
fsr-3450	641	14	)	)	PUNCT
fsr-3450	642	1	121–145	121–145	NUM
fsr-3450	642	2	145	145	NUM