id	sid	tid	token	lemma	pos
fsr-3456	1	1	income	income	NOUN
fsr-3456	1	2	more	more	ADV
fsr-3456	1	3	important	important	ADJ
fsr-3456	1	4	than	than	ADP
fsr-3456	1	5	financial	financial	ADJ
fsr-3456	1	6	literacy	literacy	NOUN
fsr-3456	1	7	for	for	ADP
fsr-3456	1	8	improving	improve	VERB
fsr-3456	1	9	wellbeing	wellbee	VERB
fsr-3456	1	10	tracey	tracey	NOUN
fsr-3456	1	11	westa	westa	PROPN
fsr-3456	1	12	,	,	PUNCT
fsr-3456	1	13	michelle	michelle	PROPN
fsr-3456	1	14	cullb	cullb	PROPN
fsr-3456	1	15	,	,	PUNCT
fsr-3456	1	16	*	*	PROPN
fsr-3456	1	17	,	,	PUNCT
fsr-3456	1	18	dianne	dianne	PROPN
fsr-3456	1	19	johnsonc	johnsonc	PROPN
fsr-3456	1	20	adepartment	adepartment	NOUN
fsr-3456	1	21	of	of	ADP
fsr-3456	1	22	accounting	accounting	NOUN
fsr-3456	1	23	,	,	PUNCT
fsr-3456	1	24	finance	finance	NOUN
fsr-3456	1	25	and	and	CCONJ
fsr-3456	1	26	economics	economic	NOUN
fsr-3456	1	27	,	,	PUNCT
fsr-3456	1	28	griffith	griffith	PROPN
fsr-3456	1	29	university	university	PROPN
fsr-3456	1	30	,	,	PUNCT
fsr-3456	1	31	gold	gold	NOUN
fsr-3456	1	32	coast	coast	NOUN
fsr-3456	1	33	,	,	PUNCT
fsr-3456	1	34	queensland	queensland	PROPN
fsr-3456	1	35	,	,	PUNCT
fsr-3456	1	36	australia	australia	PROPN
fsr-3456	1	37	bschool	bschool	PROPN
fsr-3456	1	38	of	of	ADP
fsr-3456	1	39	business	business	NOUN
fsr-3456	1	40	,	,	PUNCT
fsr-3456	1	41	western	western	ADJ
fsr-3456	1	42	sydney	sydney	PROPN
fsr-3456	1	43	university	university	PROPN
fsr-3456	1	44	,	,	PUNCT
fsr-3456	1	45	nsw	nsw	PROPN
fsr-3456	1	46	,	,	PUNCT
fsr-3456	1	47	australia	australia	PROPN
fsr-3456	1	48	cdepartment	cdepartment	NOUN
fsr-3456	1	49	of	of	ADP
fsr-3456	1	50	accounting	accounting	NOUN
fsr-3456	1	51	,	,	PUNCT
fsr-3456	1	52	finance	finance	NOUN
fsr-3456	1	53	and	and	CCONJ
fsr-3456	1	54	economics	economic	NOUN
fsr-3456	1	55	,	,	PUNCT
fsr-3456	1	56	griffith	griffith	PROPN
fsr-3456	1	57	university	university	PROPN
fsr-3456	1	58	,	,	PUNCT
fsr-3456	1	59	gold	gold	NOUN
fsr-3456	1	60	coast	coast	NOUN
fsr-3456	1	61	,	,	PUNCT
fsr-3456	1	62	queensland	queensland	PROPN
fsr-3456	1	63	,	,	PUNCT
fsr-3456	1	64	australia	australia	PROPN
fsr-3456	1	65	abstract	abstract	ADJ
fsr-3456	1	66	as	as	ADP
fsr-3456	1	67	advocates	advocate	NOUN
fsr-3456	1	68	of	of	ADP
fsr-3456	1	69	financial	financial	ADJ
fsr-3456	1	70	literacy	literacy	NOUN
fsr-3456	1	71	education	education	NOUN
fsr-3456	1	72	,	,	PUNCT
fsr-3456	1	73	it	it	PRON
fsr-3456	1	74	is	be	AUX
fsr-3456	1	75	a	a	DET
fsr-3456	1	76	hard	hard	ADJ
fsr-3456	1	77	pill	pill	NOUN
fsr-3456	1	78	to	to	PART
fsr-3456	1	79	swallow	swallow	VERB
fsr-3456	1	80	when	when	SCONJ
fsr-3456	1	81	data	datum	NOUN
fsr-3456	1	82	show	show	VERB
fsr-3456	1	83	little	little	ADJ
fsr-3456	1	84	impact	impact	NOUN
fsr-3456	1	85	on	on	ADP
fsr-3456	1	86	financial	financial	ADJ
fsr-3456	1	87	behaviors	behavior	NOUN
fsr-3456	1	88	.	.	PUNCT
fsr-3456	2	1	unfortunately	unfortunately	ADV
fsr-3456	2	2	,	,	PUNCT
fsr-3456	2	3	expectations	expectation	NOUN
fsr-3456	2	4	that	that	SCONJ
fsr-3456	2	5	university	university	NOUN
fsr-3456	2	6	students	student	NOUN
fsr-3456	2	7	with	with	ADP
fsr-3456	2	8	higher	high	ADJ
fsr-3456	2	9	levels	level	NOUN
fsr-3456	2	10	of	of	ADP
fsr-3456	2	11	financial	financial	ADJ
fsr-3456	2	12	literacy	literacy	NOUN
fsr-3456	2	13	have	have	AUX
fsr-3456	2	14	reduced	reduce	VERB
fsr-3456	2	15	money	money	NOUN
fsr-3456	2	16	management	management	NOUN
fsr-3456	2	17	stress	stress	NOUN
fsr-3456	2	18	and	and	CCONJ
fsr-3456	2	19	positive	positive	ADJ
fsr-3456	2	20	financial	financial	ADJ
fsr-3456	2	21	behavior	behavior	NOUN
fsr-3456	2	22	,	,	PUNCT
fsr-3456	2	23	leading	lead	VERB
fsr-3456	2	24	to	to	ADP
fsr-3456	2	25	higher	high	ADJ
fsr-3456	2	26	levels	level	NOUN
fsr-3456	2	27	of	of	ADP
fsr-3456	2	28	financial	financial	ADJ
fsr-3456	2	29	wellbeing	wellbeing	NOUN
fsr-3456	2	30	,	,	PUNCT
fsr-3456	2	31	were	be	AUX
fsr-3456	2	32	expunged	expunge	VERB
fsr-3456	2	33	in	in	ADP
fsr-3456	2	34	this	this	DET
fsr-3456	2	35	study	study	NOUN
fsr-3456	2	36	.	.	PUNCT
fsr-3456	3	1	we	we	PRON
fsr-3456	3	2	did	do	AUX
fsr-3456	3	3	find	find	VERB
fsr-3456	3	4	,	,	PUNCT
fsr-3456	3	5	however	however	ADV
fsr-3456	3	6	,	,	PUNCT
fsr-3456	3	7	that	that	SCONJ
fsr-3456	3	8	being	be	AUX
fsr-3456	3	9	older	old	ADJ
fsr-3456	3	10	and	and	CCONJ
fsr-3456	3	11	having	have	VERB
fsr-3456	3	12	higher	high	ADJ
fsr-3456	3	13	levels	level	NOUN
fsr-3456	3	14	of	of	ADP
fsr-3456	3	15	income	income	NOUN
fsr-3456	3	16	contributed	contribute	VERB
fsr-3456	3	17	most	most	ADV
fsr-3456	3	18	significantly	significantly	ADV
fsr-3456	3	19	and	and	CCONJ
fsr-3456	3	20	consistently	consistently	ADV
fsr-3456	3	21	to	to	ADP
fsr-3456	3	22	explaining	explain	VERB
fsr-3456	3	23	better	well	ADJ
fsr-3456	3	24	financial	financial	ADJ
fsr-3456	3	25	wellbeing	wellbeing	NOUN
fsr-3456	3	26	.	.	PUNCT
fsr-3456	4	1	proponents	proponent	NOUN
fsr-3456	4	2	of	of	ADP
fsr-3456	4	3	financial	financial	ADJ
fsr-3456	4	4	literacy	literacy	NOUN
fsr-3456	4	5	education	education	NOUN
fsr-3456	4	6	should	should	AUX
fsr-3456	4	7	not	not	PART
fsr-3456	4	8	despair	despair	VERB
fsr-3456	4	9	but	but	CCONJ
fsr-3456	4	10	instead	instead	ADV
fsr-3456	4	11	recognize	recognize	VERB
fsr-3456	4	12	the	the	DET
fsr-3456	4	13	limits	limit	NOUN
fsr-3456	4	14	to	to	ADP
fsr-3456	4	15	transferring	transfer	VERB
fsr-3456	4	16	financial	financial	ADJ
fsr-3456	4	17	knowledge	knowledge	NOUN
fsr-3456	4	18	and	and	CCONJ
fsr-3456	4	19	set	set	VERB
fsr-3456	4	20	financial	financial	ADJ
fsr-3456	4	21	literacy	literacy	NOUN
fsr-3456	4	22	and	and	CCONJ
fsr-3456	4	23	wellbeing	wellbee	VERB
fsr-3456	4	24	goals	goal	NOUN
fsr-3456	4	25	based	base	VERB
fsr-3456	4	26	on	on	ADP
fsr-3456	4	27	evidence	evidence	NOUN
fsr-3456	4	28	of	of	ADP
fsr-3456	4	29	what	what	PRON
fsr-3456	4	30	works	work	VERB
fsr-3456	4	31	.	.	PUNCT
fsr-3456	5	1	©	©	PROPN
fsr-3456	5	2	2021	2021	NUM
fsr-3456	5	3	academy	academy	NOUN
fsr-3456	5	4	of	of	ADP
fsr-3456	5	5	financial	financial	ADJ
fsr-3456	5	6	services	service	NOUN
fsr-3456	5	7	.	.	PUNCT
fsr-3456	6	1	all	all	DET
fsr-3456	6	2	rights	right	NOUN
fsr-3456	6	3	reserved	reserve	VERB
fsr-3456	6	4	.	.	PUNCT
fsr-3456	7	1	jel	jel	PROPN
fsr-3456	7	2	classification	classification	NOUN
fsr-3456	7	3	:	:	PUNCT
fsr-3456	7	4	d1	d1	NOUN
fsr-3456	7	5	household	household	NOUN
fsr-3456	7	6	behaviour	behaviour	NOUN
fsr-3456	7	7	and	and	CCONJ
fsr-3456	7	8	family	family	NOUN
fsr-3456	7	9	economics	economic	NOUN
fsr-3456	7	10	;	;	PUNCT
fsr-3456	7	11	i22	i22	NOUN
fsr-3456	7	12	educational	educational	ADJ
fsr-3456	7	13	finance	finance	NOUN
fsr-3456	7	14	;	;	PUNCT
fsr-3456	7	15	financial	financial	ADJ
fsr-3456	7	16	aid	aid	NOUN
fsr-3456	7	17	;	;	PUNCT
fsr-3456	7	18	i240	i240	PROPN
fsr-3456	7	19	education	education	NOUN
fsr-3456	7	20	and	and	CCONJ
fsr-3456	7	21	inequality	inequality	NOUN
fsr-3456	7	22	keywords	keyword	NOUN
fsr-3456	7	23	:	:	PUNCT
fsr-3456	7	24	education	education	NOUN
fsr-3456	7	25	;	;	PUNCT
fsr-3456	7	26	financial	financial	ADJ
fsr-3456	7	27	wellbeing	wellbeing	NOUN
fsr-3456	7	28	;	;	PUNCT
fsr-3456	7	29	financial	financial	ADJ
fsr-3456	7	30	literacy	literacy	NOUN
fsr-3456	7	31	;	;	PUNCT
fsr-3456	7	32	income	income	NOUN
fsr-3456	7	33	;	;	PUNCT
fsr-3456	7	34	university	university	NOUN
fsr-3456	7	35	students	student	NOUN
fsr-3456	7	36	1	1	NUM
fsr-3456	7	37	.	.	PUNCT
fsr-3456	8	1	introduction	introduction	NOUN
fsr-3456	8	2	what	what	PRON
fsr-3456	8	3	is	be	AUX
fsr-3456	8	4	more	more	ADV
fsr-3456	8	5	important	important	ADJ
fsr-3456	8	6	to	to	ADP
fsr-3456	8	7	an	an	DET
fsr-3456	8	8	individual	individual	NOUN
fsr-3456	8	9	;	;	PUNCT
fsr-3456	8	10	financial	financial	ADJ
fsr-3456	8	11	literacy	literacy	NOUN
fsr-3456	8	12	or	or	CCONJ
fsr-3456	8	13	financial	financial	ADJ
fsr-3456	8	14	wellbeing	wellbeing	NOUN
fsr-3456	8	15	?	?	PUNCT
fsr-3456	9	1	sure	sure	ADJ
fsr-3456	9	2	,	,	PUNCT
fsr-3456	9	3	financial	financial	ADJ
fsr-3456	9	4	mistakes	mistake	NOUN
fsr-3456	9	5	are	be	AUX
fsr-3456	9	6	costly	costly	ADJ
fsr-3456	9	7	,	,	PUNCT
fsr-3456	9	8	but	but	CCONJ
fsr-3456	9	9	to	to	ADP
fsr-3456	9	10	what	what	DET
fsr-3456	9	11	extent	extent	NOUN
fsr-3456	9	12	do	do	AUX
fsr-3456	9	13	they	they	PRON
fsr-3456	9	14	impact	impact	VERB
fsr-3456	9	15	on	on	ADP
fsr-3456	9	16	an	an	DET
fsr-3456	9	17	individual	individual	NOUN
fsr-3456	9	18	’s	’s	PART
fsr-3456	9	19	level	level	NOUN
fsr-3456	9	20	of	of	ADP
fsr-3456	9	21	satisfaction	satisfaction	NOUN
fsr-3456	9	22	with	with	ADP
fsr-3456	9	23	their	their	PRON
fsr-3456	9	24	financial	financial	ADJ
fsr-3456	9	25	situation	situation	NOUN
fsr-3456	9	26	?	?	PUNCT
fsr-3456	10	1	further	far	ADV
fsr-3456	10	2	,	,	PUNCT
fsr-3456	10	3	how	how	SCONJ
fsr-3456	10	4	can	can	AUX
fsr-3456	10	5	financial	financial	ADJ
fsr-3456	10	6	literacy	literacy	NOUN
fsr-3456	10	7	interventions	intervention	NOUN
fsr-3456	10	8	effectively	effectively	ADV
fsr-3456	10	9	improve	improve	VERB
fsr-3456	10	10	wellbeing	wellbee	VERB
fsr-3456	10	11	outcomes	outcome	NOUN
fsr-3456	10	12	?	?	PUNCT
fsr-3456	11	1	financial	financial	ADJ
fsr-3456	11	2	wellbeing	wellbee	VERB
fsr-3456	11	3	therefore	therefore	ADV
fsr-3456	11	4	,	,	PUNCT
fsr-3456	11	5	is	be	AUX
fsr-3456	11	6	a	a	DET
fsr-3456	11	7	topic	topic	NOUN
fsr-3456	11	8	of	of	ADP
fsr-3456	11	9	*	*	PUNCT
fsr-3456	11	10	corresponding	correspond	VERB
fsr-3456	11	11	author	author	NOUN
fsr-3456	11	12	.	.	PUNCT
fsr-3456	12	1	tel	tel	PROPN
fsr-3456	12	2	.	.	PUNCT
fsr-3456	12	3	:	:	PUNCT
fsr-3456	13	1	+61	+61	NOUN
fsr-3456	13	2	2	2	NUM
fsr-3456	13	3	425	425	NUM
fsr-3456	13	4	000	000	NUM
fsr-3456	13	5	038	038	NUM
fsr-3456	13	6	;	;	PUNCT
fsr-3456	13	7	fax	fax	NOUN
fsr-3456	13	8	:	:	PUNCT
fsr-3456	13	9	+61	+61	NOUN
fsr-3456	13	10	2	2	NUM
fsr-3456	13	11	4620	4620	NUM
fsr-3456	13	12	3788	3788	NUM
fsr-3456	13	13	.	.	PUNCT
fsr-3456	14	1	e	e	X
fsr-3456	14	2	-	-	NOUN
fsr-3456	14	3	mail	mail	NOUN
fsr-3456	14	4	address	address	NOUN
fsr-3456	14	5	:	:	PUNCT
fsr-3456	14	6	m.cull@westernsydney.edu.au	m.cull@westernsydney.edu.au	PROPN
fsr-3456	14	7	(	(	PUNCT
fsr-3456	14	8	m.	m.	NOUN
fsr-3456	14	9	cull	cull	NOUN
fsr-3456	14	10	)	)	PUNCT
fsr-3456	14	11	1057	1057	NUM
fsr-3456	14	12	-	-	SYM
fsr-3456	14	13	0810/21/$	0810/21/$	NUM
fsr-3456	14	14	–	–	PUNCT
fsr-3456	14	15	see	see	VERB
fsr-3456	14	16	front	front	ADJ
fsr-3456	14	17	matter	matter	NOUN
fsr-3456	14	18	©	©	PROPN
fsr-3456	14	19	2021	2021	NUM
fsr-3456	14	20	academy	academy	NOUN
fsr-3456	14	21	of	of	ADP
fsr-3456	14	22	financial	financial	ADJ
fsr-3456	14	23	services	service	NOUN
fsr-3456	14	24	.	.	PUNCT
fsr-3456	15	1	all	all	DET
fsr-3456	15	2	rights	right	NOUN
fsr-3456	15	3	reserved	reserve	VERB
fsr-3456	15	4	.	.	PUNCT
fsr-3456	16	1	financial	financial	ADJ
fsr-3456	16	2	services	service	NOUN
fsr-3456	16	3	review	review	VERB
fsr-3456	16	4	29	29	NUM
fsr-3456	16	5	(	(	PUNCT
fsr-3456	16	6	2021	2021	NUM
fsr-3456	16	7	)	)	PUNCT
fsr-3456	16	8	187–207	187–207	NUM
fsr-3456	16	9	increasing	increase	VERB
fsr-3456	16	10	importance	importance	NOUN
fsr-3456	16	11	to	to	ADP
fsr-3456	16	12	academics	academic	NOUN
fsr-3456	16	13	,	,	PUNCT
fsr-3456	16	14	public	public	ADJ
fsr-3456	16	15	policy	policy	NOUN
fsr-3456	16	16	officials	official	NOUN
fsr-3456	16	17	,	,	PUNCT
fsr-3456	16	18	educators	educator	NOUN
fsr-3456	16	19	,	,	PUNCT
fsr-3456	16	20	financial	financial	ADJ
fsr-3456	16	21	managers	manager	NOUN
fsr-3456	16	22	,	,	PUNCT
fsr-3456	16	23	and	and	CCONJ
fsr-3456	16	24	employers	employer	NOUN
fsr-3456	16	25	(	(	PUNCT
fsr-3456	16	26	cfpb	cfpb	NOUN
fsr-3456	16	27	,	,	PUNCT
fsr-3456	16	28	2015	2015	NUM
fsr-3456	16	29	)	)	PUNCT
fsr-3456	16	30	.	.	PUNCT
fsr-3456	17	1	while	while	SCONJ
fsr-3456	17	2	there	there	PRON
fsr-3456	17	3	is	be	VERB
fsr-3456	17	4	a	a	DET
fsr-3456	17	5	plethora	plethora	NOUN
fsr-3456	17	6	of	of	ADP
fsr-3456	17	7	studies	study	NOUN
fsr-3456	17	8	available	available	ADJ
fsr-3456	17	9	that	that	SCONJ
fsr-3456	17	10	advocate	advocate	NOUN
fsr-3456	17	11	for	for	ADP
fsr-3456	17	12	consumer	consumer	NOUN
fsr-3456	17	13	protection	protection	NOUN
fsr-3456	17	14	through	through	ADP
fsr-3456	17	15	financial	financial	ADJ
fsr-3456	17	16	literacy	literacy	NOUN
fsr-3456	17	17	interventions	intervention	NOUN
fsr-3456	17	18	(	(	PUNCT
fsr-3456	17	19	fernandes	fernande	NOUN
fsr-3456	17	20	,	,	PUNCT
fsr-3456	17	21	lynch	lynch	PROPN
fsr-3456	17	22	,	,	PUNCT
fsr-3456	17	23	&	&	CCONJ
fsr-3456	17	24	netemeyer	netemeyer	PROPN
fsr-3456	17	25	,	,	PUNCT
fsr-3456	17	26	2014	2014	NUM
fsr-3456	17	27	)	)	PUNCT
fsr-3456	17	28	and	and	CCONJ
fsr-3456	17	29	policy	policy	NOUN
fsr-3456	17	30	support	support	NOUN
fsr-3456	17	31	for	for	ADP
fsr-3456	17	32	financial	financial	ADJ
fsr-3456	17	33	literacy	literacy	NOUN
fsr-3456	17	34	education	education	NOUN
fsr-3456	17	35	in	in	ADP
fsr-3456	17	36	an	an	DET
fsr-3456	17	37	attempt	attempt	NOUN
fsr-3456	17	38	to	to	PART
fsr-3456	17	39	increase	increase	VERB
fsr-3456	17	40	economic	economic	ADJ
fsr-3456	17	41	participation	participation	NOUN
fsr-3456	17	42	,	,	PUNCT
fsr-3456	17	43	improve	improve	VERB
fsr-3456	17	44	social	social	ADJ
fsr-3456	17	45	inclusion	inclusion	NOUN
fsr-3456	17	46	and	and	CCONJ
fsr-3456	17	47	enhance	enhance	VERB
fsr-3456	17	48	economic	economic	ADJ
fsr-3456	17	49	health	health	NOUN
fsr-3456	17	50	(	(	PUNCT
fsr-3456	17	51	asic	asic	NOUN
fsr-3456	17	52	,	,	PUNCT
fsr-3456	17	53	2017	2017	NUM
fsr-3456	17	54	;	;	PUNCT
fsr-3456	17	55	oecd	oecd	PROPN
fsr-3456	17	56	,	,	PUNCT
fsr-3456	17	57	2012	2012	NUM
fsr-3456	17	58	)	)	PUNCT
fsr-3456	17	59	,	,	PUNCT
fsr-3456	17	60	there	there	PRON
fsr-3456	17	61	has	have	AUX
fsr-3456	17	62	been	be	AUX
fsr-3456	17	63	less	less	ADJ
fsr-3456	17	64	work	work	NOUN
fsr-3456	17	65	done	do	VERB
fsr-3456	17	66	on	on	ADP
fsr-3456	17	67	what	what	PRON
fsr-3456	17	68	constitutes	constitute	VERB
fsr-3456	17	69	financial	financial	ADJ
fsr-3456	17	70	wellbeing	wellbeing	NOUN
fsr-3456	17	71	or	or	CCONJ
fsr-3456	17	72	its	its	PRON
fsr-3456	17	73	role	role	NOUN
fsr-3456	17	74	in	in	ADP
fsr-3456	17	75	overall	overall	ADJ
fsr-3456	17	76	wellbeing	wellbee	VERB
fsr-3456	17	77	(	(	PUNCT
fsr-3456	17	78	netemeyer	netemeyer	NOUN
fsr-3456	17	79	,	,	PUNCT
fsr-3456	17	80	warmath	warmath	NOUN
fsr-3456	17	81	,	,	PUNCT
fsr-3456	17	82	fernandes	fernande	NOUN
fsr-3456	17	83	,	,	PUNCT
fsr-3456	17	84	&	&	CCONJ
fsr-3456	17	85	lynch	lynch	PROPN
fsr-3456	17	86	,	,	PUNCT
fsr-3456	17	87	2018	2018	NUM
fsr-3456	17	88	)	)	PUNCT
fsr-3456	17	89	.	.	PUNCT
fsr-3456	18	1	this	this	DET
fsr-3456	18	2	study	study	NOUN
fsr-3456	18	3	utilizes	utilize	VERB
fsr-3456	18	4	the	the	DET
fsr-3456	18	5	financial	financial	ADJ
fsr-3456	18	6	wellbeing	wellbee	VERB
fsr-3456	18	7	framework	framework	NOUN
fsr-3456	18	8	of	of	ADP
fsr-3456	18	9	netemeyer	netemeyer	PROPN
fsr-3456	18	10	et	et	PROPN
fsr-3456	18	11	al	al	PROPN
fsr-3456	18	12	.	.	PROPN
fsr-3456	19	1	(	(	PUNCT
fsr-3456	19	2	2018	2018	NUM
fsr-3456	19	3	)	)	PUNCT
fsr-3456	19	4	to	to	PART
fsr-3456	19	5	measure	measure	VERB
fsr-3456	19	6	the	the	DET
fsr-3456	19	7	determinants	determinant	NOUN
fsr-3456	19	8	of	of	ADP
fsr-3456	19	9	financial	financial	ADJ
fsr-3456	19	10	wellbeing	wellbeing	NOUN
fsr-3456	19	11	of	of	ADP
fsr-3456	19	12	university	university	NOUN
fsr-3456	19	13	students	student	NOUN
fsr-3456	19	14	.	.	PUNCT
fsr-3456	20	1	university	university	NOUN
fsr-3456	20	2	students	student	NOUN
fsr-3456	20	3	are	be	AUX
fsr-3456	20	4	an	an	DET
fsr-3456	20	5	important	important	ADJ
fsr-3456	20	6	cohort	cohort	NOUN
fsr-3456	20	7	of	of	ADP
fsr-3456	20	8	interest	interest	NOUN
fsr-3456	20	9	,	,	PUNCT
fsr-3456	20	10	and	and	CCONJ
fsr-3456	20	11	many	many	ADJ
fsr-3456	20	12	institutions	institution	NOUN
fsr-3456	20	13	are	be	AUX
fsr-3456	20	14	discovering	discover	VERB
fsr-3456	20	15	that	that	SCONJ
fsr-3456	20	16	first	first	ADJ
fsr-3456	20	17	-	-	PUNCT
fsr-3456	20	18	generation	generation	NOUN
fsr-3456	20	19	,	,	PUNCT
fsr-3456	20	20	students	student	NOUN
fsr-3456	20	21	of	of	ADP
fsr-3456	20	22	color	color	NOUN
fsr-3456	20	23	,	,	PUNCT
fsr-3456	20	24	adults	adult	NOUN
fsr-3456	20	25	and	and	CCONJ
fsr-3456	20	26	military	military	ADJ
fsr-3456	20	27	veterans	veteran	NOUN
fsr-3456	20	28	are	be	AUX
fsr-3456	20	29	the	the	DET
fsr-3456	20	30	“	"	PUNCT
fsr-3456	20	31	new	new	ADJ
fsr-3456	20	32	majority	majority	NOUN
fsr-3456	20	33	”	"	PUNCT
fsr-3456	20	34	(	(	PUNCT
fsr-3456	20	35	lyon	lyon	PROPN
fsr-3456	20	36	&	&	CCONJ
fsr-3456	20	37	matson	matson	PROPN
fsr-3456	20	38	,	,	PUNCT
fsr-3456	20	39	2019	2019	NUM
fsr-3456	20	40	)	)	PUNCT
fsr-3456	20	41	.	.	PUNCT
fsr-3456	21	1	thus	thus	ADV
fsr-3456	21	2	,	,	PUNCT
fsr-3456	21	3	universities	university	NOUN
fsr-3456	21	4	represent	represent	VERB
fsr-3456	21	5	a	a	DET
fsr-3456	21	6	diverse	diverse	ADJ
fsr-3456	21	7	array	array	NOUN
fsr-3456	21	8	of	of	ADP
fsr-3456	21	9	people	people	NOUN
fsr-3456	21	10	with	with	ADP
fsr-3456	21	11	differing	differing	ADJ
fsr-3456	21	12	socio	socio	NOUN
fsr-3456	21	13	-	-	PUNCT
fsr-3456	21	14	economic	economic	ADJ
fsr-3456	21	15	backgrounds	background	NOUN
fsr-3456	21	16	and	and	CCONJ
fsr-3456	21	17	are	be	AUX
fsr-3456	21	18	at	at	ADP
fsr-3456	21	19	a	a	DET
fsr-3456	21	20	pivotal	pivotal	ADJ
fsr-3456	21	21	point	point	NOUN
fsr-3456	21	22	in	in	ADP
fsr-3456	21	23	their	their	PRON
fsr-3456	21	24	life	life	NOUN
fsr-3456	21	25	,	,	PUNCT
fsr-3456	21	26	making	make	VERB
fsr-3456	21	27	decisions	decision	NOUN
fsr-3456	21	28	that	that	PRON
fsr-3456	21	29	affect	affect	VERB
fsr-3456	21	30	their	their	PRON
fsr-3456	21	31	financial	financial	ADJ
fsr-3456	21	32	futures	future	NOUN
fsr-3456	21	33	.	.	PUNCT
fsr-3456	22	1	using	use	VERB
fsr-3456	22	2	a	a	DET
fsr-3456	22	3	survey	survey	NOUN
fsr-3456	22	4	of	of	ADP
fsr-3456	22	5	420	420	NUM
fsr-3456	22	6	students	student	NOUN
fsr-3456	22	7	from	from	ADP
fsr-3456	22	8	an	an	DET
fsr-3456	22	9	australian	australian	ADJ
fsr-3456	22	10	university	university	NOUN
fsr-3456	22	11	in	in	ADP
fsr-3456	22	12	2019	2019	NUM
fsr-3456	22	13	,	,	PUNCT
fsr-3456	22	14	we	we	PRON
fsr-3456	22	15	quantify	quantify	VERB
fsr-3456	22	16	the	the	DET
fsr-3456	22	17	impact	impact	NOUN
fsr-3456	22	18	of	of	ADP
fsr-3456	22	19	current	current	ADJ
fsr-3456	22	20	money	money	NOUN
fsr-3456	22	21	management	management	NOUN
fsr-3456	22	22	circumstances	circumstance	NOUN
fsr-3456	22	23	,	,	PUNCT
fsr-3456	22	24	attitudes	attitude	NOUN
fsr-3456	22	25	towards	towards	ADP
fsr-3456	22	26	future	future	ADJ
fsr-3456	22	27	finances	finance	NOUN
fsr-3456	22	28	and	and	CCONJ
fsr-3456	22	29	financial	financial	ADJ
fsr-3456	22	30	literacy	literacy	NOUN
fsr-3456	22	31	on	on	ADP
fsr-3456	22	32	levels	level	NOUN
fsr-3456	22	33	of	of	ADP
fsr-3456	22	34	financial	financial	ADJ
fsr-3456	22	35	wellbeing	wellbeing	NOUN
fsr-3456	22	36	.	.	PUNCT
fsr-3456	23	1	ordered	order	VERB
fsr-3456	23	2	logit	logit	PROPN
fsr-3456	23	3	results	result	NOUN
fsr-3456	23	4	find	find	VERB
fsr-3456	23	5	that	that	SCONJ
fsr-3456	23	6	the	the	DET
fsr-3456	23	7	financial	financial	ADJ
fsr-3456	23	8	wellbeing	wellbee	VERB
fsr-3456	23	9	framework	framework	NOUN
fsr-3456	23	10	applied	apply	VERB
fsr-3456	23	11	to	to	ADP
fsr-3456	23	12	our	our	PRON
fsr-3456	23	13	sample	sample	NOUN
fsr-3456	23	14	does	do	AUX
fsr-3456	23	15	not	not	PART
fsr-3456	23	16	explain	explain	VERB
fsr-3456	23	17	financial	financial	ADJ
fsr-3456	23	18	wellbeing	wellbee	VERB
fsr-3456	23	19	particularly	particularly	ADV
fsr-3456	23	20	well	well	ADV
fsr-3456	23	21	.	.	PUNCT
fsr-3456	24	1	financial	financial	ADJ
fsr-3456	24	2	literacy	literacy	NOUN
fsr-3456	24	3	does	do	AUX
fsr-3456	24	4	not	not	PART
fsr-3456	24	5	play	play	VERB
fsr-3456	24	6	an	an	DET
fsr-3456	24	7	important	important	ADJ
fsr-3456	24	8	role	role	NOUN
fsr-3456	24	9	,	,	PUNCT
fsr-3456	24	10	but	but	CCONJ
fsr-3456	24	11	income	income	NOUN
fsr-3456	24	12	does	do	VERB
fsr-3456	24	13	.	.	PUNCT
fsr-3456	25	1	these	these	DET
fsr-3456	25	2	findings	finding	NOUN
fsr-3456	25	3	may	may	AUX
fsr-3456	25	4	be	be	AUX
fsr-3456	25	5	context	context	NOUN
fsr-3456	25	6	specific	specific	ADJ
fsr-3456	25	7	,	,	PUNCT
fsr-3456	25	8	as	as	SCONJ
fsr-3456	25	9	students	student	NOUN
fsr-3456	25	10	experience	experience	VERB
fsr-3456	25	11	low	low	ADJ
fsr-3456	25	12	and	and	CCONJ
fsr-3456	25	13	irregular	irregular	ADJ
fsr-3456	25	14	incomes	income	NOUN
fsr-3456	25	15	,	,	PUNCT
fsr-3456	25	16	which	which	PRON
fsr-3456	25	17	can	can	AUX
fsr-3456	25	18	lead	lead	VERB
fsr-3456	25	19	to	to	ADP
fsr-3456	25	20	increased	increase	VERB
fsr-3456	25	21	vulnerability	vulnerability	NOUN
fsr-3456	25	22	to	to	ADP
fsr-3456	25	23	external	external	ADJ
fsr-3456	25	24	shocks	shock	NOUN
fsr-3456	25	25	and	and	CCONJ
fsr-3456	25	26	uncertainty	uncertainty	NOUN
fsr-3456	25	27	.	.	PUNCT
fsr-3456	26	1	however	however	ADV
fsr-3456	26	2	,	,	PUNCT
fsr-3456	26	3	many	many	ADJ
fsr-3456	26	4	other	other	ADJ
fsr-3456	26	5	workers	worker	NOUN
fsr-3456	26	6	experience	experience	VERB
fsr-3456	26	7	irregular	irregular	ADJ
fsr-3456	26	8	incomes	income	NOUN
fsr-3456	26	9	due	due	ADP
fsr-3456	26	10	to	to	ADP
fsr-3456	26	11	the	the	DET
fsr-3456	26	12	rise	rise	NOUN
fsr-3456	26	13	of	of	ADP
fsr-3456	26	14	the	the	DET
fsr-3456	26	15	gig	gig	NOUN
fsr-3456	26	16	economy	economy	NOUN
fsr-3456	26	17	(	(	PUNCT
fsr-3456	26	18	farrell	farrell	PROPN
fsr-3456	26	19	&	&	CCONJ
fsr-3456	26	20	greig	greig	PROPN
fsr-3456	26	21	,	,	PUNCT
fsr-3456	26	22	2016	2016	NUM
fsr-3456	26	23	;	;	PUNCT
fsr-3456	26	24	kaine	kaine	PROPN
fsr-3456	26	25	,	,	PUNCT
fsr-3456	26	26	oliver	oliver	PROPN
fsr-3456	26	27	,	,	PUNCT
fsr-3456	26	28	&	&	CCONJ
fsr-3456	26	29	josserand	josserand	PROPN
fsr-3456	26	30	2017	2017	NUM
fsr-3456	26	31	;	;	PUNCT
fsr-3456	26	32	stewart	stewart	PROPN
fsr-3456	26	33	&	&	CCONJ
fsr-3456	26	34	stanford	stanford	PROPN
fsr-3456	26	35	,	,	PUNCT
fsr-3456	26	36	2017	2017	NUM
fsr-3456	26	37	)	)	PUNCT
fsr-3456	26	38	.	.	PUNCT
fsr-3456	27	1	accordingly	accordingly	ADV
fsr-3456	27	2	,	,	PUNCT
fsr-3456	27	3	this	this	DET
fsr-3456	27	4	paper	paper	NOUN
fsr-3456	27	5	is	be	AUX
fsr-3456	27	6	set	set	VERB
fsr-3456	27	7	out	out	ADP
fsr-3456	27	8	as	as	SCONJ
fsr-3456	27	9	follows	follow	VERB
fsr-3456	27	10	.	.	PUNCT
fsr-3456	28	1	section	section	NOUN
fsr-3456	28	2	2	2	NUM
fsr-3456	28	3	provides	provide	VERB
fsr-3456	28	4	an	an	DET
fsr-3456	28	5	overview	overview	NOUN
fsr-3456	28	6	of	of	ADP
fsr-3456	28	7	the	the	DET
fsr-3456	28	8	theoretical	theoretical	ADJ
fsr-3456	28	9	framework	framework	NOUN
fsr-3456	28	10	and	and	CCONJ
fsr-3456	28	11	a	a	DET
fsr-3456	28	12	review	review	NOUN
fsr-3456	28	13	of	of	ADP
fsr-3456	28	14	the	the	DET
fsr-3456	28	15	literature	literature	NOUN
fsr-3456	28	16	.	.	PUNCT
fsr-3456	29	1	the	the	DET
fsr-3456	29	2	data	datum	NOUN
fsr-3456	29	3	and	and	CCONJ
fsr-3456	29	4	methodology	methodology	NOUN
fsr-3456	29	5	are	be	AUX
fsr-3456	29	6	discussed	discuss	VERB
fsr-3456	29	7	in	in	ADP
fsr-3456	29	8	section	section	NOUN
fsr-3456	29	9	3	3	NUM
fsr-3456	29	10	.	.	PUNCT
fsr-3456	30	1	results	result	NOUN
fsr-3456	30	2	are	be	AUX
fsr-3456	30	3	presented	present	VERB
fsr-3456	30	4	in	in	ADP
fsr-3456	30	5	section	section	NOUN
fsr-3456	30	6	4	4	NUM
fsr-3456	30	7	and	and	CCONJ
fsr-3456	30	8	the	the	DET
fsr-3456	30	9	paper	paper	NOUN
fsr-3456	30	10	concludes	conclude	VERB
fsr-3456	30	11	with	with	ADP
fsr-3456	30	12	a	a	DET
fsr-3456	30	13	discussion	discussion	NOUN
fsr-3456	30	14	in	in	ADP
fsr-3456	30	15	section	section	NOUN
fsr-3456	30	16	5	5	NUM
fsr-3456	30	17	.	.	NOUN
fsr-3456	31	1	2	2	NUM
fsr-3456	31	2	.	.	X
fsr-3456	31	3	background	background	NOUN
fsr-3456	31	4	there	there	PRON
fsr-3456	31	5	are	be	VERB
fsr-3456	31	6	a	a	DET
fsr-3456	31	7	number	number	NOUN
fsr-3456	31	8	of	of	ADP
fsr-3456	31	9	definitions	definition	NOUN
fsr-3456	31	10	of	of	ADP
fsr-3456	31	11	financial	financial	ADJ
fsr-3456	31	12	wellbeing	wellbeing	NOUN
fsr-3456	31	13	that	that	PRON
fsr-3456	31	14	are	be	AUX
fsr-3456	31	15	being	be	AUX
fsr-3456	31	16	used	use	VERB
fsr-3456	31	17	in	in	ADP
fsr-3456	31	18	academic	academic	ADJ
fsr-3456	31	19	literature	literature	NOUN
fsr-3456	31	20	,	,	PUNCT
fsr-3456	31	21	industry	industry	NOUN
fsr-3456	31	22	reports	report	NOUN
fsr-3456	31	23	and	and	CCONJ
fsr-3456	31	24	government	government	NOUN
fsr-3456	31	25	policies	policy	NOUN
fsr-3456	31	26	(	(	PUNCT
fsr-3456	31	27	anz	anz	NOUN
fsr-3456	31	28	,	,	PUNCT
fsr-3456	31	29	2018	2018	NUM
fsr-3456	31	30	)	)	PUNCT
fsr-3456	31	31	.	.	PUNCT
fsr-3456	32	1	however	however	ADV
fsr-3456	32	2	,	,	PUNCT
fsr-3456	32	3	due	due	ADP
fsr-3456	32	4	to	to	ADP
fsr-3456	32	5	the	the	DET
fsr-3456	32	6	absence	absence	NOUN
fsr-3456	32	7	of	of	ADP
fsr-3456	32	8	a	a	DET
fsr-3456	32	9	widely	widely	ADV
fsr-3456	32	10	accepted	accept	VERB
fsr-3456	32	11	definition	definition	NOUN
fsr-3456	32	12	and	and	CCONJ
fsr-3456	32	13	measure	measure	NOUN
fsr-3456	32	14	of	of	ADP
fsr-3456	32	15	financial	financial	ADJ
fsr-3456	32	16	wellbeing	wellbeing	NOUN
fsr-3456	32	17	,	,	PUNCT
fsr-3456	32	18	efforts	effort	NOUN
fsr-3456	32	19	to	to	PART
fsr-3456	32	20	examine	examine	VERB
fsr-3456	32	21	the	the	DET
fsr-3456	32	22	financial	financial	ADJ
fsr-3456	32	23	domain	domain	NOUN
fsr-3456	32	24	have	have	AUX
fsr-3456	32	25	been	be	AUX
fsr-3456	32	26	hampered	hamper	VERB
fsr-3456	32	27	(	(	PUNCT
fsr-3456	32	28	netemeyer	netemeyer	PROPN
fsr-3456	32	29	et	et	PROPN
fsr-3456	32	30	al	al	PROPN
fsr-3456	32	31	.	.	PROPN
fsr-3456	32	32	,	,	PUNCT
fsr-3456	32	33	2018	2018	NUM
fsr-3456	32	34	)	)	PUNCT
fsr-3456	32	35	.	.	PUNCT
fsr-3456	33	1	internationally	internationally	ADV
fsr-3456	33	2	,	,	PUNCT
fsr-3456	33	3	the	the	DET
fsr-3456	33	4	consumer	consumer	NOUN
fsr-3456	33	5	financial	financial	PROPN
fsr-3456	33	6	protection	protection	PROPN
fsr-3456	33	7	bureau	bureau	PROPN
fsr-3456	33	8	(	(	PUNCT
fsr-3456	33	9	cfpb	cfpb	NOUN
fsr-3456	33	10	)	)	PUNCT
fsr-3456	33	11	report	report	NOUN
fsr-3456	33	12	in	in	ADP
fsr-3456	33	13	2015	2015	NUM
fsr-3456	33	14	provided	provide	VERB
fsr-3456	33	15	a	a	DET
fsr-3456	33	16	consumer	consumer	NOUN
fsr-3456	33	17	driven	drive	VERB
fsr-3456	33	18	definition	definition	NOUN
fsr-3456	33	19	of	of	ADP
fsr-3456	33	20	financial	financial	ADJ
fsr-3456	33	21	wellbeing	wellbeing	NOUN
fsr-3456	33	22	as	as	ADP
fsr-3456	33	23	“	"	PUNCT
fsr-3456	33	24	a	a	DET
fsr-3456	33	25	state	state	NOUN
fsr-3456	33	26	of	of	ADP
fsr-3456	33	27	being	be	AUX
fsr-3456	33	28	wherein	wherein	SCONJ
fsr-3456	33	29	a	a	DET
fsr-3456	33	30	person	person	NOUN
fsr-3456	33	31	can	can	AUX
fsr-3456	33	32	fully	fully	ADV
fsr-3456	33	33	meet	meet	VERB
fsr-3456	33	34	current	current	ADJ
fsr-3456	33	35	and	and	CCONJ
fsr-3456	33	36	ongoing	ongoing	ADJ
fsr-3456	33	37	financial	financial	ADJ
fsr-3456	33	38	obligations	obligation	NOUN
fsr-3456	33	39	,	,	PUNCT
fsr-3456	33	40	can	can	AUX
fsr-3456	33	41	feel	feel	VERB
fsr-3456	33	42	secure	secure	ADJ
fsr-3456	33	43	in	in	ADP
fsr-3456	33	44	their	their	PRON
fsr-3456	33	45	financial	financial	ADJ
fsr-3456	33	46	future	future	NOUN
fsr-3456	33	47	,	,	PUNCT
fsr-3456	33	48	and	and	CCONJ
fsr-3456	33	49	is	be	AUX
fsr-3456	33	50	able	able	ADJ
fsr-3456	33	51	to	to	PART
fsr-3456	33	52	make	make	VERB
fsr-3456	33	53	choices	choice	NOUN
fsr-3456	33	54	that	that	PRON
fsr-3456	33	55	allow	allow	VERB
fsr-3456	33	56	enjoyment	enjoyment	NOUN
fsr-3456	33	57	of	of	ADP
fsr-3456	33	58	life	life	NOUN
fsr-3456	33	59	”	"	PUNCT
fsr-3456	34	1	(	(	PUNCT
fsr-3456	34	2	p.	p.	NOUN
fsr-3456	34	3	18	18	NUM
fsr-3456	34	4	)	)	PUNCT
fsr-3456	34	5	.	.	PUNCT
fsr-3456	35	1	this	this	DET
fsr-3456	35	2	definition	definition	NOUN
fsr-3456	35	3	has	have	AUX
fsr-3456	35	4	also	also	ADV
fsr-3456	35	5	been	be	AUX
fsr-3456	35	6	adopted	adopt	VERB
fsr-3456	35	7	by	by	ADP
fsr-3456	35	8	the	the	DET
fsr-3456	35	9	oecd	oecd	PROPN
fsr-3456	35	10	(	(	PUNCT
fsr-3456	35	11	oecd	oecd	PROPN
fsr-3456	35	12	,	,	PUNCT
fsr-3456	35	13	2020	2020	NUM
fsr-3456	35	14	)	)	PUNCT
fsr-3456	35	15	.	.	PUNCT
fsr-3456	36	1	the	the	DET
fsr-3456	36	2	cfpb	cfpb	PROPN
fsr-3456	36	3	report	report	NOUN
fsr-3456	36	4	highlights	highlight	VERB
fsr-3456	36	5	multiple	multiple	ADJ
fsr-3456	36	6	factors	factor	NOUN
fsr-3456	36	7	that	that	PRON
fsr-3456	36	8	affect	affect	VERB
fsr-3456	36	9	the	the	DET
fsr-3456	36	10	level	level	NOUN
fsr-3456	36	11	of	of	ADP
fsr-3456	36	12	financial	financial	ADJ
fsr-3456	36	13	wellbeing	wellbeing	NOUN
fsr-3456	36	14	of	of	ADP
fsr-3456	36	15	an	an	DET
fsr-3456	36	16	individual	individual	NOUN
fsr-3456	36	17	with	with	ADP
fsr-3456	36	18	a	a	DET
fsr-3456	36	19	wide	wide	ADJ
fsr-3456	36	20	variation	variation	NOUN
fsr-3456	36	21	in	in	ADP
fsr-3456	36	22	how	how	SCONJ
fsr-3456	36	23	people	people	NOUN
fsr-3456	36	24	in	in	ADP
fsr-3456	36	25	the	the	DET
fsr-3456	36	26	united	united	PROPN
fsr-3456	36	27	states	states	PROPN
fsr-3456	36	28	feel	feel	VERB
fsr-3456	36	29	about	about	ADP
fsr-3456	36	30	their	their	PRON
fsr-3456	36	31	financial	financial	ADJ
fsr-3456	36	32	wellbeing	wellbeing	NOUN
fsr-3456	36	33	.	.	PUNCT
fsr-3456	37	1	key	key	ADJ
fsr-3456	37	2	findings	finding	NOUN
fsr-3456	37	3	were	be	AUX
fsr-3456	37	4	that	that	SCONJ
fsr-3456	37	5	having	have	VERB
fsr-3456	37	6	a	a	DET
fsr-3456	37	7	savings	saving	NOUN
fsr-3456	37	8	safety	safety	NOUN
fsr-3456	37	9	188	188	NUM
fsr-3456	37	10	t.	t.	NOUN
fsr-3456	37	11	west	west	PROPN
fsr-3456	37	12	et	et	PROPN
fsr-3456	37	13	al	al	PROPN
fsr-3456	37	14	.	.	PUNCT
fsr-3456	37	15	/	/	SYM
fsr-3456	37	16	financial	financial	ADJ
fsr-3456	37	17	services	service	NOUN
fsr-3456	37	18	review	review	VERB
fsr-3456	37	19	29	29	NUM
fsr-3456	37	20	(	(	PUNCT
fsr-3456	37	21	2021	2021	NUM
fsr-3456	37	22	)	)	PUNCT
fsr-3456	37	23	187–207	187–207	NUM
fsr-3456	37	24	net	net	NOUN
fsr-3456	37	25	had	have	VERB
fsr-3456	37	26	the	the	DET
fsr-3456	37	27	strongest	strong	ADJ
fsr-3456	37	28	relationship	relationship	NOUN
fsr-3456	37	29	to	to	ADP
fsr-3456	37	30	financial	financial	ADJ
fsr-3456	37	31	wellbeing	wellbeing	NOUN
fsr-3456	37	32	,	,	PUNCT
fsr-3456	37	33	given	give	VERB
fsr-3456	37	34	that	that	PRON
fsr-3456	37	35	feeling	feel	VERB
fsr-3456	37	36	financially	financially	ADV
fsr-3456	37	37	secure	secure	ADJ
fsr-3456	37	38	is	be	AUX
fsr-3456	37	39	fundamental	fundamental	ADJ
fsr-3456	37	40	to	to	ADP
fsr-3456	37	41	the	the	DET
fsr-3456	37	42	definition	definition	NOUN
fsr-3456	37	43	of	of	ADP
fsr-3456	37	44	financial	financial	ADJ
fsr-3456	37	45	wellbeing	wellbeing	NOUN
fsr-3456	37	46	.	.	PUNCT
fsr-3456	38	1	certain	certain	ADJ
fsr-3456	38	2	experiences	experience	NOUN
fsr-3456	38	3	with	with	ADP
fsr-3456	38	4	debt	debt	NOUN
fsr-3456	38	5	and	and	CCONJ
fsr-3456	38	6	credit	credit	NOUN
fsr-3456	38	7	,	,	PUNCT
fsr-3456	38	8	however	however	ADV
fsr-3456	38	9	,	,	PUNCT
fsr-3456	38	10	seem	seem	VERB
fsr-3456	38	11	to	to	PART
fsr-3456	38	12	have	have	VERB
fsr-3456	38	13	the	the	DET
fsr-3456	38	14	strongest	strong	ADJ
fsr-3456	38	15	negative	negative	ADJ
fsr-3456	38	16	relationship	relationship	NOUN
fsr-3456	38	17	with	with	ADP
fsr-3456	38	18	financial	financial	ADJ
fsr-3456	38	19	wellbeing	wellbeing	NOUN
fsr-3456	38	20	.	.	PUNCT
fsr-3456	39	1	individual	individual	ADJ
fsr-3456	39	2	characteristics	characteristic	NOUN
fsr-3456	39	3	were	be	AUX
fsr-3456	39	4	also	also	ADV
fsr-3456	39	5	factors	factor	NOUN
fsr-3456	39	6	associated	associate	VERB
fsr-3456	39	7	with	with	ADP
fsr-3456	39	8	financial	financial	ADJ
fsr-3456	39	9	wellbeing	wellbeing	NOUN
fsr-3456	39	10	;	;	PUNCT
fsr-3456	39	11	those	those	PRON
fsr-3456	39	12	with	with	ADP
fsr-3456	39	13	higher	high	ADJ
fsr-3456	39	14	levels	level	NOUN
fsr-3456	39	15	of	of	ADP
fsr-3456	39	16	education	education	NOUN
fsr-3456	39	17	,	,	PUNCT
fsr-3456	39	18	older	old	ADJ
fsr-3456	39	19	individuals	individual	NOUN
fsr-3456	39	20	and	and	CCONJ
fsr-3456	39	21	adults	adult	NOUN
fsr-3456	39	22	in	in	ADP
fsr-3456	39	23	better	well	ADJ
fsr-3456	39	24	physical	physical	ADJ
fsr-3456	39	25	health	health	NOUN
fsr-3456	39	26	tended	tend	VERB
fsr-3456	39	27	to	to	PART
fsr-3456	39	28	have	have	VERB
fsr-3456	39	29	higher	high	ADJ
fsr-3456	39	30	levels	level	NOUN
fsr-3456	39	31	of	of	ADP
fsr-3456	39	32	financial	financial	ADJ
fsr-3456	39	33	wellbeing	wellbee	VERB
fsr-3456	39	34	(	(	PUNCT
fsr-3456	39	35	cfpb	cfpb	NOUN
fsr-3456	39	36	,	,	PUNCT
fsr-3456	39	37	2015	2015	NUM
fsr-3456	39	38	)	)	PUNCT
fsr-3456	39	39	.	.	PUNCT
fsr-3456	40	1	average	average	ADJ
fsr-3456	40	2	financial	financial	ADJ
fsr-3456	40	3	wellbeing	wellbeing	NOUN
fsr-3456	40	4	,	,	PUNCT
fsr-3456	40	5	however	however	ADV
fsr-3456	40	6	,	,	PUNCT
fsr-3456	40	7	appeared	appear	VERB
fsr-3456	40	8	to	to	PART
fsr-3456	40	9	be	be	AUX
fsr-3456	40	10	the	the	DET
fsr-3456	40	11	same	same	ADJ
fsr-3456	40	12	for	for	ADP
fsr-3456	40	13	men	man	NOUN
fsr-3456	40	14	and	and	CCONJ
fsr-3456	40	15	women	woman	NOUN
fsr-3456	40	16	.	.	PUNCT
fsr-3456	41	1	although	although	SCONJ
fsr-3456	41	2	financial	financial	ADJ
fsr-3456	41	3	circumstances	circumstance	NOUN
fsr-3456	41	4	were	be	AUX
fsr-3456	41	5	highly	highly	ADV
fsr-3456	41	6	correlated	correlate	VERB
fsr-3456	41	7	with	with	ADP
fsr-3456	41	8	financial	financial	ADJ
fsr-3456	41	9	wellbeing	wellbeing	NOUN
fsr-3456	41	10	scores	score	NOUN
fsr-3456	41	11	,	,	PUNCT
fsr-3456	41	12	the	the	DET
fsr-3456	41	13	report	report	NOUN
fsr-3456	41	14	found	find	VERB
fsr-3456	41	15	that	that	SCONJ
fsr-3456	41	16	individuals	individual	NOUN
fsr-3456	41	17	with	with	ADP
fsr-3456	41	18	different	different	ADJ
fsr-3456	41	19	experiences	experience	NOUN
fsr-3456	41	20	can	can	AUX
fsr-3456	41	21	arrive	arrive	VERB
fsr-3456	41	22	at	at	ADP
fsr-3456	41	23	the	the	DET
fsr-3456	41	24	same	same	ADJ
fsr-3456	41	25	score	score	NOUN
fsr-3456	41	26	,	,	PUNCT
fsr-3456	41	27	suggesting	suggest	VERB
fsr-3456	41	28	that	that	SCONJ
fsr-3456	41	29	no	no	DET
fsr-3456	41	30	single	single	ADJ
fsr-3456	41	31	factor	factor	NOUN
fsr-3456	41	32	is	be	AUX
fsr-3456	41	33	responsible	responsible	ADJ
fsr-3456	41	34	for	for	ADP
fsr-3456	41	35	,	,	PUNCT
fsr-3456	41	36	or	or	CCONJ
fsr-3456	41	37	indicative	indicative	ADJ
fsr-3456	41	38	of	of	ADP
fsr-3456	41	39	,	,	PUNCT
fsr-3456	41	40	an	an	DET
fsr-3456	41	41	individual	individual	NOUN
fsr-3456	41	42	’s	’s	PART
fsr-3456	41	43	level	level	NOUN
fsr-3456	41	44	of	of	ADP
fsr-3456	41	45	financial	financial	ADJ
fsr-3456	41	46	wellbeing	wellbeing	NOUN
fsr-3456	41	47	.	.	PUNCT
fsr-3456	42	1	in	in	ADP
fsr-3456	42	2	australia	australia	PROPN
fsr-3456	42	3	,	,	PUNCT
fsr-3456	42	4	research	research	NOUN
fsr-3456	42	5	undertaken	undertake	VERB
fsr-3456	42	6	by	by	ADP
fsr-3456	42	7	muir	muir	PROPN
fsr-3456	42	8	et	et	PROPN
fsr-3456	42	9	al	al	PROPN
fsr-3456	42	10	.	.	PROPN
fsr-3456	43	1	(	(	PUNCT
fsr-3456	43	2	2017	2017	NUM
fsr-3456	43	3	)	)	PUNCT
fsr-3456	43	4	used	use	VERB
fsr-3456	43	5	an	an	DET
fsr-3456	43	6	ecological	ecological	ADJ
fsr-3456	43	7	systems	system	NOUN
fsr-3456	43	8	approach	approach	NOUN
fsr-3456	43	9	to	to	PART
fsr-3456	43	10	explore	explore	VERB
fsr-3456	43	11	financial	financial	ADJ
fsr-3456	43	12	wellbeing	wellbeing	NOUN
fsr-3456	43	13	.	.	PUNCT
fsr-3456	44	1	financial	financial	ADJ
fsr-3456	44	2	wellbeing	wellbeing	NOUN
fsr-3456	44	3	was	be	AUX
fsr-3456	44	4	said	say	VERB
fsr-3456	44	5	to	to	PART
fsr-3456	44	6	consist	consist	VERB
fsr-3456	44	7	of	of	ADP
fsr-3456	44	8	three	three	NUM
fsr-3456	44	9	interrelated	interrelated	ADJ
fsr-3456	44	10	dimensions	dimension	NOUN
fsr-3456	44	11	.	.	PUNCT
fsr-3456	45	1	the	the	DET
fsr-3456	45	2	first	first	ADJ
fsr-3456	45	3	was	be	AUX
fsr-3456	45	4	having	have	VERB
fsr-3456	45	5	adequate	adequate	ADJ
fsr-3456	45	6	income	income	NOUN
fsr-3456	45	7	to	to	PART
fsr-3456	45	8	pay	pay	VERB
fsr-3456	45	9	off	off	ADP
fsr-3456	45	10	debt	debt	NOUN
fsr-3456	45	11	,	,	PUNCT
fsr-3456	45	12	meet	meet	VERB
fsr-3456	45	13	basic	basic	ADJ
fsr-3456	45	14	needs	need	NOUN
fsr-3456	45	15	and	and	CCONJ
fsr-3456	45	16	cover	cover	VERB
fsr-3456	45	17	unexpected	unexpected	ADJ
fsr-3456	45	18	expenses	expense	NOUN
fsr-3456	45	19	with	with	ADP
fsr-3456	45	20	some	some	DET
fsr-3456	45	21	money	money	NOUN
fsr-3456	45	22	left	leave	VERB
fsr-3456	45	23	over	over	ADP
fsr-3456	45	24	.	.	PUNCT
fsr-3456	46	1	the	the	DET
fsr-3456	46	2	second	second	ADJ
fsr-3456	46	3	was	be	AUX
fsr-3456	46	4	feeling	feel	VERB
fsr-3456	46	5	and	and	CCONJ
fsr-3456	46	6	acting	act	VERB
fsr-3456	46	7	in	in	ADP
fsr-3456	46	8	control	control	NOUN
fsr-3456	46	9	of	of	ADP
fsr-3456	46	10	finances	finance	NOUN
fsr-3456	46	11	,	,	PUNCT
fsr-3456	46	12	and	and	CCONJ
fsr-3456	46	13	the	the	DET
fsr-3456	46	14	third	third	ADJ
fsr-3456	46	15	included	include	VERB
fsr-3456	46	16	feeling	feel	VERB
fsr-3456	46	17	financially	financially	ADV
fsr-3456	46	18	secure	secure	ADJ
fsr-3456	46	19	.	.	PUNCT
fsr-3456	47	1	financial	financial	ADJ
fsr-3456	47	2	wellbeing	wellbeing	NOUN
fsr-3456	47	3	has	have	VERB
fsr-3456	47	4	objective	objective	ADJ
fsr-3456	47	5	(	(	PUNCT
fsr-3456	47	6	savings	saving	NOUN
fsr-3456	47	7	)	)	PUNCT
fsr-3456	47	8	and	and	CCONJ
fsr-3456	47	9	subjective	subjective	ADJ
fsr-3456	47	10	(	(	PUNCT
fsr-3456	47	11	how	how	SCONJ
fsr-3456	47	12	the	the	DET
fsr-3456	47	13	person	person	NOUN
fsr-3456	47	14	is	be	AUX
fsr-3456	47	15	feeling	feel	VERB
fsr-3456	47	16	)	)	PUNCT
fsr-3456	47	17	components	component	NOUN
fsr-3456	47	18	.	.	PUNCT
fsr-3456	48	1	muir	muir	PROPN
fsr-3456	48	2	et	et	PROPN
fsr-3456	48	3	al	al	PROPN
fsr-3456	48	4	.	.	PROPN
fsr-3456	49	1	(	(	PUNCT
fsr-3456	49	2	2017	2017	NUM
fsr-3456	49	3	)	)	PUNCT
fsr-3456	49	4	use	use	VERB
fsr-3456	49	5	this	this	DET
fsr-3456	49	6	lens	lens	NOUN
fsr-3456	49	7	to	to	PART
fsr-3456	49	8	look	look	VERB
fsr-3456	49	9	at	at	ADP
fsr-3456	49	10	individual	individual	ADJ
fsr-3456	49	11	,	,	PUNCT
fsr-3456	49	12	household	household	NOUN
fsr-3456	49	13	,	,	PUNCT
fsr-3456	49	14	family	family	NOUN
fsr-3456	49	15	,	,	PUNCT
fsr-3456	49	16	peer	peer	NOUN
fsr-3456	49	17	-	-	PUNCT
fsr-3456	49	18	level	level	NOUN
fsr-3456	49	19	,	,	PUNCT
fsr-3456	49	20	community	community	NOUN
fsr-3456	49	21	,	,	PUNCT
fsr-3456	49	22	and	and	CCONJ
fsr-3456	49	23	social	social	ADJ
fsr-3456	49	24	influences	influence	NOUN
fsr-3456	49	25	on	on	ADP
fsr-3456	49	26	financial	financial	ADJ
fsr-3456	49	27	wellbeing	wellbeing	NOUN
fsr-3456	49	28	,	,	PUNCT
fsr-3456	49	29	and	and	CCONJ
fsr-3456	49	30	find	find	VERB
fsr-3456	49	31	that	that	SCONJ
fsr-3456	49	32	financial	financial	ADJ
fsr-3456	49	33	capability	capability	NOUN
fsr-3456	49	34	,	,	PUNCT
fsr-3456	49	35	financial	financial	ADJ
fsr-3456	49	36	inclusion	inclusion	NOUN
fsr-3456	49	37	,	,	PUNCT
fsr-3456	49	38	social	social	ADJ
fsr-3456	49	39	capital	capital	NOUN
fsr-3456	49	40	,	,	PUNCT
fsr-3456	49	41	and	and	CCONJ
fsr-3456	49	42	economic	economic	ADJ
fsr-3456	49	43	resources	resource	NOUN
fsr-3456	49	44	(	(	PUNCT
fsr-3456	49	45	especially	especially	ADV
fsr-3456	49	46	income	income	NOUN
fsr-3456	49	47	)	)	PUNCT
fsr-3456	49	48	are	be	AUX
fsr-3456	49	49	among	among	ADP
fsr-3456	49	50	the	the	DET
fsr-3456	49	51	strongest	strong	ADJ
fsr-3456	49	52	influencers	influencer	NOUN
fsr-3456	49	53	of	of	ADP
fsr-3456	49	54	financial	financial	ADJ
fsr-3456	49	55	wellbeing	wellbeing	NOUN
fsr-3456	49	56	.	.	PUNCT
fsr-3456	50	1	thus	thus	ADV
fsr-3456	50	2	,	,	PUNCT
fsr-3456	50	3	improvement	improvement	NOUN
fsr-3456	50	4	in	in	ADP
fsr-3456	50	5	each	each	PRON
fsr-3456	50	6	of	of	ADP
fsr-3456	50	7	these	these	DET
fsr-3456	50	8	four	four	NUM
fsr-3456	50	9	areas	area	NOUN
fsr-3456	50	10	are	be	AUX
fsr-3456	50	11	likely	likely	ADJ
fsr-3456	50	12	to	to	PART
fsr-3456	50	13	enhance	enhance	VERB
fsr-3456	50	14	a	a	DET
fsr-3456	50	15	person	person	NOUN
fsr-3456	50	16	’s	’s	PART
fsr-3456	50	17	financial	financial	ADJ
fsr-3456	50	18	wellbeing	wellbee	VERB
fsr-3456	50	19	both	both	CCONJ
fsr-3456	50	20	in	in	ADP
fsr-3456	50	21	times	time	NOUN
fsr-3456	50	22	of	of	ADP
fsr-3456	50	23	financial	financial	ADJ
fsr-3456	50	24	adversity	adversity	NOUN
fsr-3456	50	25	and	and	CCONJ
fsr-3456	50	26	in	in	ADP
fsr-3456	50	27	the	the	DET
fsr-3456	50	28	context	context	NOUN
fsr-3456	50	29	of	of	ADP
fsr-3456	50	30	everyday	everyday	ADJ
fsr-3456	50	31	money	money	NOUN
fsr-3456	50	32	management	management	NOUN
fsr-3456	50	33	.	.	PUNCT
fsr-3456	51	1	similar	similar	ADJ
fsr-3456	51	2	to	to	ADP
fsr-3456	51	3	the	the	DET
fsr-3456	51	4	(	(	PUNCT
fsr-3456	51	5	cfpb	cfpb	NOUN
fsr-3456	51	6	,	,	PUNCT
fsr-3456	51	7	2015	2015	NUM
fsr-3456	51	8	)	)	PUNCT
fsr-3456	51	9	research	research	NOUN
fsr-3456	51	10	,	,	PUNCT
fsr-3456	51	11	having	have	VERB
fsr-3456	51	12	savings	saving	NOUN
fsr-3456	51	13	and	and	CCONJ
fsr-3456	51	14	building	build	VERB
fsr-3456	51	15	resilience	resilience	NOUN
fsr-3456	51	16	for	for	ADP
fsr-3456	51	17	unexpected	unexpected	ADJ
fsr-3456	51	18	expenses	expense	NOUN
fsr-3456	51	19	were	be	AUX
fsr-3456	51	20	both	both	ADV
fsr-3456	51	21	important	important	ADJ
fsr-3456	51	22	.	.	PUNCT
fsr-3456	52	1	in	in	ADP
fsr-3456	52	2	addition	addition	NOUN
fsr-3456	52	3	,	,	PUNCT
fsr-3456	52	4	cfpb	cfpb	ADJ
fsr-3456	52	5	research	research	NOUN
fsr-3456	52	6	finds	find	VERB
fsr-3456	52	7	social	social	ADJ
fsr-3456	52	8	capital	capital	NOUN
fsr-3456	52	9	to	to	PART
fsr-3456	52	10	be	be	AUX
fsr-3456	52	11	significantly	significantly	ADV
fsr-3456	52	12	associated	associate	VERB
fsr-3456	52	13	with	with	ADP
fsr-3456	52	14	financial	financial	ADJ
fsr-3456	52	15	wellbeing	wellbeing	NOUN
fsr-3456	52	16	,	,	PUNCT
fsr-3456	52	17	that	that	ADV
fsr-3456	52	18	is	is	ADV
fsr-3456	52	19	,	,	PUNCT
fsr-3456	52	20	having	have	VERB
fsr-3456	52	21	support	support	NOUN
fsr-3456	52	22	from	from	ADP
fsr-3456	52	23	others	other	NOUN
fsr-3456	52	24	as	as	ADV
fsr-3456	52	25	well	well	ADV
fsr-3456	52	26	as	as	ADP
fsr-3456	52	27	access	access	NOUN
fsr-3456	52	28	to	to	ADP
fsr-3456	52	29	resources	resource	NOUN
fsr-3456	52	30	if	if	SCONJ
fsr-3456	52	31	needed	need	VERB
fsr-3456	52	32	.	.	PUNCT
fsr-3456	53	1	further	far	ADV
fsr-3456	53	2	,	,	PUNCT
fsr-3456	53	3	a	a	DET
fsr-3456	53	4	study	study	NOUN
fsr-3456	53	5	by	by	ADP
fsr-3456	53	6	collins	collins	PROPN
fsr-3456	53	7	&	&	CCONJ
fsr-3456	53	8	urban	urban	PROPN
fsr-3456	53	9	(	(	PUNCT
fsr-3456	53	10	2020	2020	NUM
fsr-3456	53	11	)	)	PUNCT
fsr-3456	53	12	in	in	ADP
fsr-3456	53	13	the	the	DET
fsr-3456	53	14	united	united	PROPN
fsr-3456	53	15	states	states	PROPN
fsr-3456	53	16	found	find	VERB
fsr-3456	53	17	financial	financial	ADJ
fsr-3456	53	18	well	well	NOUN
fsr-3456	53	19	-	-	PUNCT
fsr-3456	53	20	being	being	NOUN
fsr-3456	53	21	to	to	PART
fsr-3456	53	22	generally	generally	ADV
fsr-3456	53	23	follow	follow	VERB
fsr-3456	53	24	the	the	DET
fsr-3456	53	25	life	life	NOUN
fsr-3456	53	26	cycle	cycle	NOUN
fsr-3456	53	27	,	,	PUNCT
fsr-3456	53	28	increasing	increase	VERB
fsr-3456	53	29	with	with	ADP
fsr-3456	53	30	income	income	NOUN
fsr-3456	53	31	and	and	CCONJ
fsr-3456	53	32	savings	saving	NOUN
fsr-3456	53	33	levels	level	NOUN
fsr-3456	53	34	as	as	ADV
fsr-3456	53	35	well	well	ADV
fsr-3456	53	36	as	as	ADP
fsr-3456	53	37	with	with	ADP
fsr-3456	53	38	age	age	NOUN
fsr-3456	53	39	.	.	PUNCT
fsr-3456	54	1	they	they	PRON
fsr-3456	54	2	also	also	ADV
fsr-3456	54	3	found	find	VERB
fsr-3456	54	4	that	that	SCONJ
fsr-3456	54	5	levels	level	NOUN
fsr-3456	54	6	of	of	ADP
fsr-3456	54	7	financial	financial	ADJ
fsr-3456	54	8	wellbeing	wellbeing	NOUN
fsr-3456	54	9	were	be	AUX
fsr-3456	54	10	not	not	PART
fsr-3456	54	11	strongly	strongly	ADV
fsr-3456	54	12	associated	associate	VERB
fsr-3456	54	13	with	with	ADP
fsr-3456	54	14	financial	financial	ADJ
fsr-3456	54	15	literacy	literacy	NOUN
fsr-3456	54	16	.	.	PUNCT
fsr-3456	55	1	recent	recent	ADJ
fsr-3456	55	2	contributions	contribution	NOUN
fsr-3456	55	3	to	to	ADP
fsr-3456	55	4	developing	develop	VERB
fsr-3456	55	5	a	a	DET
fsr-3456	55	6	better	well	ADJ
fsr-3456	55	7	understanding	understanding	NOUN
fsr-3456	55	8	of	of	ADP
fsr-3456	55	9	financial	financial	ADJ
fsr-3456	55	10	wellbeing	wellbeing	NOUN
fsr-3456	55	11	have	have	VERB
fsr-3456	55	12	applicability	applicability	NOUN
fsr-3456	55	13	to	to	ADP
fsr-3456	55	14	university	university	NOUN
fsr-3456	55	15	students	student	NOUN
fsr-3456	55	16	.	.	PUNCT
fsr-3456	56	1	netemeyer	netemeyer	PROPN
fsr-3456	56	2	et	et	PROPN
fsr-3456	56	3	al	al	PROPN
fsr-3456	56	4	.	.	PROPN
fsr-3456	57	1	(	(	PUNCT
fsr-3456	57	2	2018	2018	NUM
fsr-3456	57	3	)	)	PUNCT
fsr-3456	57	4	suggests	suggest	VERB
fsr-3456	57	5	that	that	SCONJ
fsr-3456	57	6	the	the	DET
fsr-3456	57	7	definition	definition	NOUN
fsr-3456	57	8	of	of	ADP
fsr-3456	57	9	financial	financial	ADJ
fsr-3456	57	10	wellbeing	wellbeing	NOUN
fsr-3456	57	11	presented	present	VERB
fsr-3456	57	12	by	by	ADP
fsr-3456	57	13	the	the	DET
fsr-3456	57	14	cfpb	cfpb	NOUN
fsr-3456	57	15	(	(	PUNCT
fsr-3456	57	16	2015	2015	NUM
fsr-3456	57	17	)	)	PUNCT
fsr-3456	57	18	overweights	overweight	NOUN
fsr-3456	57	19	current	current	ADJ
fsr-3456	57	20	money	money	NOUN
fsr-3456	57	21	management	management	NOUN
fsr-3456	57	22	concerns	concern	NOUN
fsr-3456	57	23	.	.	PUNCT
fsr-3456	58	1	they	they	PRON
fsr-3456	58	2	argue	argue	VERB
fsr-3456	58	3	that	that	SCONJ
fsr-3456	58	4	people	people	NOUN
fsr-3456	58	5	under	under	ADP
fsr-3456	58	6	current	current	ADJ
fsr-3456	58	7	money	money	NOUN
fsr-3456	58	8	management	management	NOUN
fsr-3456	58	9	stress	stress	NOUN
fsr-3456	58	10	can	can	AUX
fsr-3456	58	11	still	still	ADV
fsr-3456	58	12	expect	expect	VERB
fsr-3456	58	13	to	to	PART
fsr-3456	58	14	be	be	AUX
fsr-3456	58	15	financially	financially	ADV
fsr-3456	58	16	better	well	ADJ
fsr-3456	58	17	off	off	ADP
fsr-3456	58	18	in	in	ADP
fsr-3456	58	19	the	the	DET
fsr-3456	58	20	future	future	NOUN
fsr-3456	58	21	and	and	CCONJ
fsr-3456	58	22	explains	explain	VERB
fsr-3456	58	23	prior	prior	ADJ
fsr-3456	58	24	studies	study	NOUN
fsr-3456	58	25	of	of	ADP
fsr-3456	58	26	self	self	NOUN
fsr-3456	58	27	-	-	PUNCT
fsr-3456	58	28	reported	report	VERB
fsr-3456	58	29	higher	high	ADJ
fsr-3456	58	30	levels	level	NOUN
fsr-3456	58	31	of	of	ADP
fsr-3456	58	32	financial	financial	ADJ
fsr-3456	58	33	wellbeing	wellbeing	NOUN
fsr-3456	58	34	than	than	SCONJ
fsr-3456	58	35	would	would	AUX
fsr-3456	58	36	be	be	AUX
fsr-3456	58	37	expected	expect	VERB
fsr-3456	58	38	giving	give	VERB
fsr-3456	58	39	current	current	ADJ
fsr-3456	58	40	circumstances	circumstance	NOUN
fsr-3456	58	41	(	(	PUNCT
fsr-3456	58	42	berman	berman	NOUN
fsr-3456	58	43	,	,	PUNCT
fsr-3456	58	44	tran	tran	PROPN
fsr-3456	58	45	,	,	PUNCT
fsr-3456	58	46	lynch	lynch	PROPN
fsr-3456	58	47	,	,	PUNCT
fsr-3456	58	48	&	&	CCONJ
fsr-3456	58	49	zauberman	zauberman	PROPN
fsr-3456	58	50	,	,	PUNCT
fsr-3456	58	51	2016	2016	NUM
fsr-3456	58	52	;	;	PUNCT
fsr-3456	58	53	finke	finke	PROPN
fsr-3456	58	54	,	,	PUNCT
fsr-3456	58	55	howe	howe	NOUN
fsr-3456	58	56	,	,	PUNCT
fsr-3456	58	57	&	&	CCONJ
fsr-3456	58	58	huston	huston	PROPN
fsr-3456	58	59	,	,	PUNCT
fsr-3456	58	60	2017	2017	NUM
fsr-3456	58	61	;	;	PUNCT
fsr-3456	58	62	johnson	johnson	PROPN
fsr-3456	58	63	&	&	CCONJ
fsr-3456	58	64	krueger	krueger	PROPN
fsr-3456	58	65	,	,	PUNCT
fsr-3456	58	66	2006	2006	NUM
fsr-3456	58	67	)	)	PUNCT
fsr-3456	58	68	.	.	PUNCT
fsr-3456	59	1	as	as	ADP
fsr-3456	59	2	such	such	ADJ
fsr-3456	59	3	,	,	PUNCT
fsr-3456	59	4	individuals	individual	NOUN
fsr-3456	59	5	who	who	PRON
fsr-3456	59	6	perceive	perceive	VERB
fsr-3456	59	7	their	their	PRON
fsr-3456	59	8	circumstances	circumstance	NOUN
fsr-3456	59	9	to	to	PART
fsr-3456	59	10	be	be	AUX
fsr-3456	59	11	modifiable	modifiable	ADJ
fsr-3456	59	12	will	will	AUX
fsr-3456	59	13	be	be	AUX
fsr-3456	59	14	more	more	ADV
fsr-3456	59	15	likely	likely	ADJ
fsr-3456	59	16	to	to	PART
fsr-3456	59	17	engage	engage	VERB
fsr-3456	59	18	in	in	ADP
fsr-3456	59	19	self	self	NOUN
fsr-3456	59	20	-	-	PUNCT
fsr-3456	59	21	improvement	improvement	NOUN
fsr-3456	59	22	actions	action	NOUN
fsr-3456	59	23	(	(	PUNCT
fsr-3456	59	24	summerville	summerville	PROPN
fsr-3456	59	25	and	and	CCONJ
fsr-3456	59	26	roese	roese	PROPN
fsr-3456	59	27	,	,	PUNCT
fsr-3456	59	28	2008	2008	NUM
fsr-3456	59	29	)	)	PUNCT
fsr-3456	59	30	.	.	PUNCT
fsr-3456	60	1	consequently	consequently	ADV
fsr-3456	60	2	,	,	PUNCT
fsr-3456	60	3	netemeyer	netemeyer	PROPN
fsr-3456	60	4	et	et	PROPN
fsr-3456	60	5	al	al	PROPN
fsr-3456	60	6	.	.	PROPN
fsr-3456	61	1	(	(	PUNCT
fsr-3456	61	2	2018	2018	NUM
fsr-3456	61	3	)	)	PUNCT
fsr-3456	61	4	disentangled	disentangle	VERB
fsr-3456	61	5	financial	financial	ADJ
fsr-3456	61	6	wellbeing	wellbee	VERB
fsr-3456	61	7	into	into	ADP
fsr-3456	61	8	two	two	NUM
fsr-3456	61	9	related	related	ADJ
fsr-3456	61	10	but	but	CCONJ
fsr-3456	61	11	separate	separate	ADJ
fsr-3456	61	12	constructs	construct	NOUN
fsr-3456	61	13	;	;	PUNCT
fsr-3456	61	14	current	current	ADJ
fsr-3456	61	15	money	money	NOUN
fsr-3456	61	16	management	management	NOUN
fsr-3456	61	17	stress	stress	NOUN
fsr-3456	61	18	and	and	CCONJ
fsr-3456	61	19	expected	expect	VERB
fsr-3456	61	20	future	future	ADJ
fsr-3456	61	21	financial	financial	ADJ
fsr-3456	61	22	security	security	NOUN
fsr-3456	61	23	,	,	PUNCT
fsr-3456	61	24	as	as	SCONJ
fsr-3456	61	25	shown	show	VERB
fsr-3456	61	26	in	in	ADP
fsr-3456	61	27	fig	fig	NOUN
fsr-3456	61	28	.	.	PUNCT
fsr-3456	62	1	1	1	X
fsr-3456	62	2	.	.	X
fsr-3456	63	1	the	the	DET
fsr-3456	63	2	research	research	NOUN
fsr-3456	63	3	of	of	ADP
fsr-3456	63	4	netemeyer	netemeyer	PROPN
fsr-3456	63	5	et	et	PROPN
fsr-3456	63	6	al	al	PROPN
fsr-3456	63	7	.	.	PROPN
fsr-3456	64	1	(	(	PUNCT
fsr-3456	64	2	2018	2018	NUM
fsr-3456	64	3	)	)	PUNCT
fsr-3456	64	4	was	be	AUX
fsr-3456	64	5	particularly	particularly	ADV
fsr-3456	64	6	interesting	interesting	ADJ
fsr-3456	64	7	regarding	regard	VERB
fsr-3456	64	8	the	the	DET
fsr-3456	64	9	impact	impact	NOUN
fsr-3456	64	10	of	of	ADP
fsr-3456	64	11	income	income	NOUN
fsr-3456	64	12	on	on	ADP
fsr-3456	64	13	financial	financial	ADJ
fsr-3456	64	14	wellbeing	wellbeing	NOUN
fsr-3456	64	15	,	,	PUNCT
fsr-3456	64	16	as	as	SCONJ
fsr-3456	64	17	it	it	PRON
fsr-3456	64	18	was	be	AUX
fsr-3456	64	19	not	not	PART
fsr-3456	64	20	found	find	VERB
fsr-3456	64	21	to	to	PART
fsr-3456	64	22	be	be	AUX
fsr-3456	64	23	a	a	DET
fsr-3456	64	24	direct	direct	ADJ
fsr-3456	64	25	positive	positive	ADJ
fsr-3456	64	26	predictor	predictor	NOUN
fsr-3456	64	27	.	.	PUNCT
fsr-3456	65	1	instead	instead	ADV
fsr-3456	65	2	,	,	PUNCT
fsr-3456	65	3	income	income	NOUN
fsr-3456	65	4	moderates	moderate	VERB
fsr-3456	65	5	the	the	DET
fsr-3456	65	6	effect	effect	NOUN
fsr-3456	65	7	of	of	ADP
fsr-3456	65	8	current	current	ADJ
fsr-3456	65	9	money	money	NOUN
fsr-3456	65	10	management	management	NOUN
fsr-3456	65	11	stress	stress	NOUN
fsr-3456	65	12	on	on	ADP
fsr-3456	65	13	wellbeing	wellbee	VERB
fsr-3456	65	14	,	,	PUNCT
fsr-3456	65	15	and	and	CCONJ
fsr-3456	65	16	as	as	SCONJ
fsr-3456	65	17	income	income	NOUN
fsr-3456	65	18	levels	level	NOUN
fsr-3456	65	19	rise	rise	VERB
fsr-3456	65	20	the	the	DET
fsr-3456	65	21	negative	negative	ADJ
fsr-3456	65	22	effect	effect	NOUN
fsr-3456	65	23	of	of	ADP
fsr-3456	65	24	money	money	NOUN
fsr-3456	65	25	management	management	NOUN
fsr-3456	65	26	stress	stress	NOUN
fsr-3456	65	27	on	on	ADP
fsr-3456	65	28	an	an	DET
fsr-3456	65	29	individual	individual	NOUN
fsr-3456	65	30	’s	’s	PART
fsr-3456	65	31	wellbeing	wellbee	VERB
fsr-3456	65	32	dissipates	dissipate	NOUN
fsr-3456	65	33	.	.	PUNCT
fsr-3456	66	1	holding	hold	VERB
fsr-3456	66	2	constant	constant	ADJ
fsr-3456	66	3	other	other	ADJ
fsr-3456	66	4	factors	factor	NOUN
fsr-3456	66	5	and	and	CCONJ
fsr-3456	66	6	the	the	DET
fsr-3456	66	7	perceived	perceive	VERB
fsr-3456	66	8	t.	t.	PROPN
fsr-3456	66	9	west	west	PROPN
fsr-3456	66	10	et	et	PROPN
fsr-3456	66	11	al	al	PROPN
fsr-3456	66	12	.	.	PUNCT
fsr-3456	66	13	/	/	SYM
fsr-3456	66	14	financial	financial	ADJ
fsr-3456	66	15	services	service	NOUN
fsr-3456	66	16	review	review	VERB
fsr-3456	66	17	29	29	NUM
fsr-3456	66	18	(	(	PUNCT
fsr-3456	66	19	2021	2021	NUM
fsr-3456	66	20	)	)	PUNCT
fsr-3456	66	21	187–207	187–207	NUM
fsr-3456	66	22	189	189	NUM
fsr-3456	66	23	financial	financial	ADJ
fsr-3456	66	24	wellbeing	wellbee	VERB
fsr-3456	66	25	constructs	construct	NOUN
fsr-3456	66	26	,	,	PUNCT
fsr-3456	66	27	income	income	NOUN
fsr-3456	66	28	only	only	ADV
fsr-3456	66	29	increases	increase	VERB
fsr-3456	66	30	overall	overall	ADJ
fsr-3456	66	31	wellbeing	wellbee	VERB
fsr-3456	66	32	when	when	SCONJ
fsr-3456	66	33	current	current	ADJ
fsr-3456	66	34	money	money	NOUN
fsr-3456	66	35	management	management	NOUN
fsr-3456	66	36	stress	stress	NOUN
fsr-3456	66	37	is	be	AUX
fsr-3456	66	38	high	high	ADJ
fsr-3456	66	39	(	(	PUNCT
fsr-3456	66	40	netemeyer	netemeyer	PROPN
fsr-3456	66	41	et	et	PROPN
fsr-3456	66	42	al	al	PROPN
fsr-3456	66	43	.	.	PROPN
fsr-3456	66	44	,	,	PUNCT
fsr-3456	66	45	2018	2018	NUM
fsr-3456	66	46	)	)	PUNCT
fsr-3456	66	47	.	.	PUNCT
fsr-3456	67	1	that	that	PRON
fsr-3456	67	2	is	be	AUX
fsr-3456	67	3	,	,	PUNCT
fsr-3456	67	4	current	current	ADJ
fsr-3456	67	5	money	money	NOUN
fsr-3456	67	6	management	management	NOUN
fsr-3456	67	7	stress	stress	NOUN
fsr-3456	67	8	has	have	VERB
fsr-3456	67	9	a	a	DET
fsr-3456	67	10	serious	serious	ADJ
fsr-3456	67	11	detrimental	detrimental	ADJ
fsr-3456	67	12	effect	effect	NOUN
fsr-3456	67	13	on	on	ADP
fsr-3456	67	14	wellbeing	wellbee	VERB
fsr-3456	67	15	among	among	ADP
fsr-3456	67	16	low	low	ADJ
fsr-3456	67	17	-	-	PUNCT
fsr-3456	67	18	income	income	NOUN
fsr-3456	67	19	individuals	individual	NOUN
fsr-3456	67	20	.	.	PUNCT
fsr-3456	68	1	for	for	ADP
fsr-3456	68	2	low	low	ADJ
fsr-3456	68	3	income	income	NOUN
fsr-3456	68	4	earners	earner	NOUN
fsr-3456	68	5	,	,	PUNCT
fsr-3456	68	6	the	the	DET
fsr-3456	68	7	focus	focus	NOUN
fsr-3456	68	8	should	should	AUX
fsr-3456	68	9	be	be	AUX
fsr-3456	68	10	on	on	ADP
fsr-3456	68	11	reducing	reduce	VERB
fsr-3456	68	12	debilitating	debilitate	VERB
fsr-3456	68	13	current	current	ADJ
fsr-3456	68	14	money	money	NOUN
fsr-3456	68	15	management	management	NOUN
fsr-3456	68	16	stress	stress	NOUN
fsr-3456	68	17	that	that	PRON
fsr-3456	68	18	is	be	AUX
fsr-3456	68	19	not	not	PART
fsr-3456	68	20	something	something	PRON
fsr-3456	68	21	that	that	PRON
fsr-3456	68	22	increasing	increase	VERB
fsr-3456	68	23	financial	financial	ADJ
fsr-3456	68	24	literacy	literacy	NOUN
fsr-3456	68	25	could	could	AUX
fsr-3456	68	26	likely	likely	ADV
fsr-3456	68	27	achieve	achieve	VERB
fsr-3456	68	28	.	.	PUNCT
fsr-3456	69	1	for	for	ADP
fsr-3456	69	2	students	student	NOUN
fsr-3456	69	3	,	,	PUNCT
fsr-3456	69	4	this	this	DET
fsr-3456	69	5	framework	framework	NOUN
fsr-3456	69	6	is	be	AUX
fsr-3456	69	7	especially	especially	ADV
fsr-3456	69	8	salient	salient	ADJ
fsr-3456	69	9	.	.	PUNCT
fsr-3456	70	1	students	student	NOUN
fsr-3456	70	2	can	can	AUX
fsr-3456	70	3	be	be	AUX
fsr-3456	70	4	optimistic	optimistic	ADJ
fsr-3456	70	5	about	about	ADP
fsr-3456	70	6	their	their	PRON
fsr-3456	70	7	future	future	ADJ
fsr-3456	70	8	income	income	NOUN
fsr-3456	70	9	prospects	prospect	NOUN
fsr-3456	70	10	due	due	ADP
fsr-3456	70	11	to	to	ADP
fsr-3456	70	12	their	their	PRON
fsr-3456	70	13	human	human	ADJ
fsr-3456	70	14	capital	capital	NOUN
fsr-3456	70	15	investment	investment	NOUN
fsr-3456	70	16	in	in	ADP
fsr-3456	70	17	the	the	DET
fsr-3456	70	18	program	program	NOUN
fsr-3456	70	19	of	of	ADP
fsr-3456	70	20	study	study	NOUN
fsr-3456	70	21	.	.	PUNCT
fsr-3456	71	1	thus	thus	ADV
fsr-3456	71	2	,	,	PUNCT
fsr-3456	71	3	they	they	PRON
fsr-3456	71	4	may	may	AUX
fsr-3456	71	5	heavily	heavily	ADV
fsr-3456	71	6	weight	weight	VERB
fsr-3456	71	7	the	the	DET
fsr-3456	71	8	future	future	NOUN
fsr-3456	71	9	and	and	CCONJ
fsr-3456	71	10	discount	discount	VERB
fsr-3456	71	11	the	the	DET
fsr-3456	71	12	present	present	ADJ
fsr-3456	71	13	financial	financial	ADJ
fsr-3456	71	14	discomfort	discomfort	NOUN
fsr-3456	71	15	if	if	SCONJ
fsr-3456	71	16	seen	see	VERB
fsr-3456	71	17	as	as	ADP
fsr-3456	71	18	a	a	DET
fsr-3456	71	19	short	short	ADJ
fsr-3456	71	20	-	-	PUNCT
fsr-3456	71	21	term	term	NOUN
fsr-3456	71	22	circumstance	circumstance	NOUN
fsr-3456	71	23	.	.	PUNCT
fsr-3456	72	1	current	current	ADJ
fsr-3456	72	2	research	research	NOUN
fsr-3456	72	3	by	by	ADP
fsr-3456	72	4	timmerman	timmerman	PROPN
fsr-3456	72	5	&	&	CCONJ
fsr-3456	72	6	volkov	volkov	PROPN
fsr-3456	72	7	(	(	PUNCT
fsr-3456	72	8	2019	2019	NUM
fsr-3456	72	9	)	)	PUNCT
fsr-3456	72	10	investigates	investigate	VERB
fsr-3456	72	11	the	the	DET
fsr-3456	72	12	impact	impact	NOUN
fsr-3456	72	13	of	of	ADP
fsr-3456	72	14	career	career	NOUN
fsr-3456	72	15	choice	choice	NOUN
fsr-3456	72	16	and	and	CCONJ
fsr-3456	72	17	education	education	NOUN
fsr-3456	72	18	level	level	NOUN
fsr-3456	72	19	on	on	ADP
fsr-3456	72	20	an	an	DET
fsr-3456	72	21	individual	individual	NOUN
fsr-3456	72	22	’s	’s	PART
fsr-3456	72	23	overall	overall	ADJ
fsr-3456	72	24	wealth	wealth	NOUN
fsr-3456	72	25	by	by	ADP
fsr-3456	72	26	finding	find	VERB
fsr-3456	72	27	the	the	DET
fsr-3456	72	28	present	present	ADJ
fsr-3456	72	29	values	value	NOUN
fsr-3456	72	30	of	of	ADP
fsr-3456	72	31	future	future	ADJ
fsr-3456	72	32	earnings	earning	NOUN
fsr-3456	72	33	for	for	ADP
fsr-3456	72	34	various	various	ADJ
fsr-3456	72	35	occupations	occupation	NOUN
fsr-3456	72	36	and	and	CCONJ
fsr-3456	72	37	makes	make	VERB
fsr-3456	72	38	some	some	DET
fsr-3456	72	39	interesting	interesting	ADJ
fsr-3456	72	40	comparisons	comparison	NOUN
fsr-3456	72	41	by	by	ADP
fsr-3456	72	42	trading	trade	VERB
fsr-3456	72	43	off	off	ADP
fsr-3456	72	44	against	against	ADP
fsr-3456	72	45	the	the	DET
fsr-3456	72	46	human	human	ADJ
fsr-3456	72	47	capital	capital	NOUN
fsr-3456	72	48	investment	investment	NOUN
fsr-3456	72	49	required	require	VERB
fsr-3456	72	50	.	.	PUNCT
fsr-3456	73	1	for	for	ADP
fsr-3456	73	2	example	example	NOUN
fsr-3456	73	3	,	,	PUNCT
fsr-3456	73	4	one	one	PRON
fsr-3456	73	5	would	would	AUX
fsr-3456	73	6	expect	expect	VERB
fsr-3456	73	7	future	future	ADJ
fsr-3456	73	8	incomes	income	NOUN
fsr-3456	73	9	to	to	PART
fsr-3456	73	10	be	be	AUX
fsr-3456	73	11	higher	high	ADJ
fsr-3456	73	12	for	for	ADP
fsr-3456	73	13	doctors	doctor	NOUN
fsr-3456	73	14	and	and	CCONJ
fsr-3456	73	15	dentists	dentist	NOUN
fsr-3456	73	16	than	than	ADP
fsr-3456	73	17	human	human	ADJ
fsr-3456	73	18	resource	resource	NOUN
fsr-3456	73	19	advisers	adviser	NOUN
fsr-3456	73	20	,	,	PUNCT
fsr-3456	73	21	but	but	CCONJ
fsr-3456	73	22	the	the	DET
fsr-3456	73	23	human	human	ADJ
fsr-3456	73	24	capital	capital	NOUN
fsr-3456	73	25	investment	investment	NOUN
fsr-3456	73	26	is	be	AUX
fsr-3456	73	27	often	often	ADV
fsr-3456	73	28	also	also	ADV
fsr-3456	73	29	higher	high	ADJ
fsr-3456	73	30	.	.	PUNCT
fsr-3456	74	1	as	as	SCONJ
fsr-3456	74	2	all	all	DET
fsr-3456	74	3	students	student	NOUN
fsr-3456	74	4	are	be	AUX
fsr-3456	74	5	more	more	ADV
fsr-3456	74	6	likely	likely	ADJ
fsr-3456	74	7	to	to	PART
fsr-3456	74	8	be	be	AUX
fsr-3456	74	9	relatively	relatively	ADV
fsr-3456	74	10	low	low	ADJ
fsr-3456	74	11	-	-	PUNCT
fsr-3456	74	12	income	income	NOUN
fsr-3456	74	13	earners	earner	NOUN
fsr-3456	74	14	due	due	ADP
fsr-3456	74	15	to	to	ADP
fsr-3456	74	16	giving	give	VERB
fsr-3456	74	17	up	up	ADP
fsr-3456	74	18	income	income	NOUN
fsr-3456	74	19	generating	generate	VERB
fsr-3456	74	20	opportunities	opportunity	NOUN
fsr-3456	74	21	to	to	PART
fsr-3456	74	22	study	study	VERB
fsr-3456	74	23	,	,	PUNCT
fsr-3456	74	24	it	it	PRON
fsr-3456	74	25	is	be	AUX
fsr-3456	74	26	important	important	ADJ
fsr-3456	74	27	to	to	PART
fsr-3456	74	28	quantify	quantify	VERB
fsr-3456	74	29	the	the	DET
fsr-3456	74	30	extent	extent	NOUN
fsr-3456	74	31	to	to	PART
fsr-3456	74	32	which	which	PRON
fsr-3456	74	33	financial	financial	ADJ
fsr-3456	74	34	literacy	literacy	NOUN
fsr-3456	74	35	moderates	moderate	VERB
fsr-3456	74	36	current	current	ADJ
fsr-3456	74	37	money	money	NOUN
fsr-3456	74	38	management	management	NOUN
fsr-3456	74	39	stress	stress	NOUN
fsr-3456	74	40	.	.	PUNCT
fsr-3456	75	1	university	university	NOUN
fsr-3456	75	2	campuses	campus	NOUN
fsr-3456	75	3	host	host	VERB
fsr-3456	75	4	a	a	DET
fsr-3456	75	5	wide	wide	ADJ
fsr-3456	75	6	variety	variety	NOUN
fsr-3456	75	7	of	of	ADP
fsr-3456	75	8	students	student	NOUN
fsr-3456	75	9	—	—	PUNCT
fsr-3456	75	10	from	from	ADP
fsr-3456	75	11	school	school	NOUN
fsr-3456	75	12	leavers	leaver	NOUN
fsr-3456	75	13	to	to	ADP
fsr-3456	75	14	career	career	NOUN
fsr-3456	75	15	changers	changer	NOUN
fsr-3456	75	16	to	to	ADP
fsr-3456	75	17	employed	employ	VERB
fsr-3456	75	18	professionals	professional	NOUN
fsr-3456	75	19	and	and	CCONJ
fsr-3456	75	20	international	international	ADJ
fsr-3456	75	21	students	student	NOUN
fsr-3456	75	22	.	.	PUNCT
fsr-3456	76	1	accordingly	accordingly	ADV
fsr-3456	76	2	,	,	PUNCT
fsr-3456	76	3	it	it	PRON
fsr-3456	76	4	can	can	AUX
fsr-3456	76	5	be	be	AUX
fsr-3456	76	6	fig	fig	NOUN
fsr-3456	76	7	.	.	PUNCT
fsr-3456	77	1	1	1	X
fsr-3456	77	2	.	.	PUNCT
fsr-3456	77	3	potential	potential	ADJ
fsr-3456	77	4	antecedents	antecedent	NOUN
fsr-3456	77	5	and	and	CCONJ
fsr-3456	77	6	consequences	consequence	NOUN
fsr-3456	77	7	of	of	ADP
fsr-3456	77	8	perceived	perceive	VERB
fsr-3456	77	9	financial	financial	ADJ
fsr-3456	77	10	well	well	NOUN
fsr-3456	77	11	-	-	PUNCT
fsr-3456	77	12	being	being	NOUN
fsr-3456	77	13	.	.	PUNCT
fsr-3456	78	1	source	source	NOUN
fsr-3456	78	2	:	:	PUNCT
fsr-3456	78	3	netemeyer	netemeyer	PROPN
fsr-3456	78	4	et	et	PROPN
fsr-3456	78	5	al	al	PROPN
fsr-3456	78	6	.	.	PROPN
fsr-3456	79	1	(	(	PUNCT
fsr-3456	79	2	2018	2018	NUM
fsr-3456	79	3	,	,	PUNCT
fsr-3456	79	4	p.	p.	NOUN
fsr-3456	79	5	72	72	NUM
fsr-3456	79	6	)	)	PUNCT
fsr-3456	79	7	.	.	PUNCT
fsr-3456	80	1	190	190	NUM
fsr-3456	80	2	t.	t.	PROPN
fsr-3456	80	3	west	west	PROPN
fsr-3456	80	4	et	et	PROPN
fsr-3456	80	5	al	al	PROPN
fsr-3456	80	6	.	.	PUNCT
fsr-3456	80	7	/	/	SYM
fsr-3456	80	8	financial	financial	ADJ
fsr-3456	80	9	services	service	NOUN
fsr-3456	80	10	review	review	VERB
fsr-3456	80	11	29	29	NUM
fsr-3456	80	12	(	(	PUNCT
fsr-3456	80	13	2021	2021	NUM
fsr-3456	80	14	)	)	PUNCT
fsr-3456	80	15	187–207	187–207	NUM
fsr-3456	80	16	difficult	difficult	ADJ
fsr-3456	80	17	to	to	PART
fsr-3456	80	18	make	make	VERB
fsr-3456	80	19	assumptions	assumption	NOUN
fsr-3456	80	20	about	about	ADP
fsr-3456	80	21	the	the	DET
fsr-3456	80	22	typical	typical	ADJ
fsr-3456	80	23	student	student	NOUN
fsr-3456	80	24	.	.	PUNCT
fsr-3456	81	1	however	however	ADV
fsr-3456	81	2	,	,	PUNCT
fsr-3456	81	3	for	for	ADP
fsr-3456	81	4	many	many	ADJ
fsr-3456	81	5	,	,	PUNCT
fsr-3456	81	6	study	study	NOUN
fsr-3456	81	7	accompanies	accompany	VERB
fsr-3456	81	8	a	a	DET
fsr-3456	81	9	period	period	NOUN
fsr-3456	81	10	of	of	ADP
fsr-3456	81	11	reduced	reduced	ADJ
fsr-3456	81	12	income	income	NOUN
fsr-3456	81	13	and	and	CCONJ
fsr-3456	81	14	independent	independent	ADJ
fsr-3456	81	15	living	living	NOUN
fsr-3456	81	16	for	for	ADP
fsr-3456	81	17	the	the	DET
fsr-3456	81	18	first	first	ADJ
fsr-3456	81	19	time	time	NOUN
fsr-3456	81	20	,	,	PUNCT
fsr-3456	81	21	which	which	PRON
fsr-3456	81	22	provides	provide	VERB
fsr-3456	81	23	a	a	DET
fsr-3456	81	24	financial	financial	ADJ
fsr-3456	81	25	challenge	challenge	NOUN
fsr-3456	81	26	.	.	PUNCT
fsr-3456	82	1	surveys	survey	NOUN
fsr-3456	82	2	often	often	ADV
fsr-3456	82	3	report	report	VERB
fsr-3456	82	4	that	that	SCONJ
fsr-3456	82	5	students	student	NOUN
fsr-3456	82	6	struggle	struggle	VERB
fsr-3456	82	7	to	to	PART
fsr-3456	82	8	afford	afford	VERB
fsr-3456	82	9	basic	basic	ADJ
fsr-3456	82	10	study	study	NOUN
fsr-3456	82	11	support	support	NOUN
fsr-3456	82	12	tools	tool	NOUN
fsr-3456	82	13	such	such	ADJ
fsr-3456	82	14	as	as	ADP
fsr-3456	82	15	textbooks	textbook	NOUN
fsr-3456	82	16	,	,	PUNCT
fsr-3456	82	17	for	for	ADP
fsr-3456	82	18	example	example	NOUN
fsr-3456	82	19	(	(	PUNCT
fsr-3456	82	20	dean	dean	PROPN
fsr-3456	82	21	&	&	CCONJ
fsr-3456	82	22	forray	forray	PROPN
fsr-3456	82	23	,	,	PUNCT
fsr-3456	82	24	2018	2018	NUM
fsr-3456	82	25	;	;	PUNCT
fsr-3456	82	26	senack	senack	NOUN
fsr-3456	82	27	,	,	PUNCT
fsr-3456	82	28	2015	2015	NUM
fsr-3456	82	29	)	)	PUNCT
fsr-3456	82	30	.	.	PUNCT
fsr-3456	83	1	there	there	PRON
fsr-3456	83	2	is	be	VERB
fsr-3456	83	3	a	a	DET
fsr-3456	83	4	wide	wide	ADJ
fsr-3456	83	5	literature	literature	NOUN
fsr-3456	83	6	on	on	ADP
fsr-3456	83	7	the	the	DET
fsr-3456	83	8	financial	financial	ADJ
fsr-3456	83	9	stress	stress	NOUN
fsr-3456	83	10	of	of	ADP
fsr-3456	83	11	students	student	NOUN
fsr-3456	83	12	,	,	PUNCT
fsr-3456	83	13	usually	usually	ADV
fsr-3456	83	14	originating	originate	VERB
fsr-3456	83	15	out	out	ADP
fsr-3456	83	16	of	of	ADP
fsr-3456	83	17	the	the	DET
fsr-3456	83	18	united	united	PROPN
fsr-3456	83	19	states	states	PROPN
fsr-3456	83	20	,	,	PUNCT
fsr-3456	83	21	where	where	SCONJ
fsr-3456	83	22	student	student	NOUN
fsr-3456	83	23	debts	debt	NOUN
fsr-3456	83	24	are	be	AUX
fsr-3456	83	25	similar	similar	ADJ
fsr-3456	83	26	to	to	ADP
fsr-3456	83	27	bank	bank	NOUN
fsr-3456	83	28	loans	loan	NOUN
fsr-3456	83	29	and	and	CCONJ
fsr-3456	83	30	total	total	ADJ
fsr-3456	83	31	over	over	ADP
fsr-3456	83	32	$	$	SYM
fsr-3456	83	33	1.5	1.5	NUM
fsr-3456	83	34	trillion	trillion	NUM
fsr-3456	83	35	(	(	PUNCT
fsr-3456	83	36	williams	williams	PROPN
fsr-3456	83	37	&	&	CCONJ
fsr-3456	83	38	oumlil	oumlil	PROPN
fsr-3456	83	39	,	,	PUNCT
fsr-3456	83	40	2015	2015	NUM
fsr-3456	83	41	)	)	PUNCT
fsr-3456	83	42	.	.	PUNCT
fsr-3456	84	1	australian	australian	ADJ
fsr-3456	84	2	students	student	NOUN
fsr-3456	84	3	are	be	AUX
fsr-3456	84	4	less	less	ADV
fsr-3456	84	5	likely	likely	ADJ
fsr-3456	84	6	to	to	PART
fsr-3456	84	7	experience	experience	VERB
fsr-3456	84	8	hardships	hardship	NOUN
fsr-3456	84	9	caused	cause	VERB
fsr-3456	84	10	by	by	ADP
fsr-3456	84	11	this	this	DET
fsr-3456	84	12	style	style	NOUN
fsr-3456	84	13	of	of	ADP
fsr-3456	84	14	student	student	NOUN
fsr-3456	84	15	loan	loan	NOUN
fsr-3456	84	16	due	due	ADP
fsr-3456	84	17	to	to	ADP
fsr-3456	84	18	the	the	DET
fsr-3456	84	19	income	income	NOUN
fsr-3456	84	20	contingent	contingent	ADJ
fsr-3456	84	21	nature	nature	NOUN
fsr-3456	84	22	of	of	ADP
fsr-3456	84	23	the	the	DET
fsr-3456	84	24	australian	australian	ADJ
fsr-3456	84	25	government	government	NOUN
fsr-3456	84	26	higher	high	ADJ
fsr-3456	84	27	education	education	NOUN
fsr-3456	84	28	loan	loan	NOUN
fsr-3456	84	29	program	program	NOUN
fsr-3456	84	30	(	(	PUNCT
fsr-3456	84	31	help	help	NOUN
fsr-3456	84	32	;	;	PUNCT
fsr-3456	84	33	west	w	ADJ
fsr-3456	84	34	,	,	PUNCT
fsr-3456	84	35	2020	2020	NUM
fsr-3456	84	36	)	)	PUNCT
fsr-3456	84	37	.	.	PUNCT
fsr-3456	85	1	however	however	ADV
fsr-3456	85	2	,	,	PUNCT
fsr-3456	85	3	the	the	DET
fsr-3456	85	4	help	help	NOUN
fsr-3456	85	5	student	student	NOUN
fsr-3456	85	6	debt	debt	NOUN
fsr-3456	85	7	still	still	ADV
fsr-3456	85	8	has	have	VERB
fsr-3456	85	9	the	the	DET
fsr-3456	85	10	ability	ability	NOUN
fsr-3456	85	11	to	to	PART
fsr-3456	85	12	hinder	hinder	VERB
fsr-3456	85	13	students	student	NOUN
fsr-3456	85	14	’	'	PUNCT
fsr-3456	85	15	future	future	ADJ
fsr-3456	85	16	borrowing	borrowing	NOUN
fsr-3456	85	17	capacity	capacity	NOUN
fsr-3456	85	18	and	and	CCONJ
fsr-3456	85	19	a	a	DET
fsr-3456	85	20	deficit	deficit	NOUN
fsr-3456	85	21	in	in	ADP
fsr-3456	85	22	financial	financial	ADJ
fsr-3456	85	23	literacy	literacy	NOUN
fsr-3456	85	24	can	can	AUX
fsr-3456	85	25	mean	mean	VERB
fsr-3456	85	26	that	that	SCONJ
fsr-3456	85	27	these	these	DET
fsr-3456	85	28	students	student	NOUN
fsr-3456	85	29	are	be	AUX
fsr-3456	85	30	more	more	ADV
fsr-3456	85	31	likely	likely	ADJ
fsr-3456	85	32	to	to	PART
fsr-3456	85	33	underestimate	underestimate	VERB
fsr-3456	85	34	future	future	ADJ
fsr-3456	85	35	student	student	NOUN
fsr-3456	85	36	loan	loan	NOUN
fsr-3456	85	37	payments	payment	NOUN
fsr-3456	85	38	and	and	CCONJ
fsr-3456	85	39	hence	hence	ADV
fsr-3456	85	40	be	be	AUX
fsr-3456	85	41	more	more	ADV
fsr-3456	85	42	vulnerable	vulnerable	ADJ
fsr-3456	85	43	to	to	ADP
fsr-3456	85	44	unexpected	unexpected	ADJ
fsr-3456	85	45	financial	financial	ADJ
fsr-3456	85	46	shocks	shock	NOUN
fsr-3456	85	47	postgraduation	postgraduation	NOUN
fsr-3456	85	48	(	(	PUNCT
fsr-3456	85	49	artavanis	artavanis	PROPN
fsr-3456	85	50	&	&	CCONJ
fsr-3456	85	51	karra	karra	PROPN
fsr-3456	85	52	,	,	PUNCT
fsr-3456	85	53	2020	2020	NUM
fsr-3456	85	54	)	)	PUNCT
fsr-3456	85	55	.	.	PUNCT
fsr-3456	86	1	evidence	evidence	NOUN
fsr-3456	86	2	also	also	ADV
fsr-3456	86	3	suggests	suggest	VERB
fsr-3456	86	4	that	that	SCONJ
fsr-3456	86	5	student	student	NOUN
fsr-3456	86	6	debt	debt	NOUN
fsr-3456	86	7	anxiety	anxiety	NOUN
fsr-3456	86	8	is	be	AUX
fsr-3456	86	9	a	a	DET
fsr-3456	86	10	factor	factor	NOUN
fsr-3456	86	11	that	that	PRON
fsr-3456	86	12	may	may	AUX
fsr-3456	86	13	affect	affect	VERB
fsr-3456	86	14	the	the	DET
fsr-3456	86	15	wellbeing	wellbeing	NOUN
fsr-3456	86	16	of	of	ADP
fsr-3456	86	17	students	student	NOUN
fsr-3456	86	18	.	.	PUNCT
fsr-3456	87	1	harrison	harrison	PROPN
fsr-3456	87	2	and	and	CCONJ
fsr-3456	87	3	agnew	agnew	PROPN
fsr-3456	87	4	(	(	PUNCT
fsr-3456	87	5	2016	2016	NUM
fsr-3456	87	6	)	)	PUNCT
fsr-3456	87	7	found	find	VERB
fsr-3456	87	8	that	that	SCONJ
fsr-3456	87	9	when	when	SCONJ
fsr-3456	87	10	student	student	NOUN
fsr-3456	87	11	confidence	confidence	NOUN
fsr-3456	87	12	in	in	ADP
fsr-3456	87	13	their	their	PRON
fsr-3456	87	14	education	education	NOUN
fsr-3456	87	15	as	as	ADP
fsr-3456	87	16	an	an	DET
fsr-3456	87	17	investment	investment	NOUN
fsr-3456	87	18	was	be	AUX
fsr-3456	87	19	higher	high	ADJ
fsr-3456	87	20	,	,	PUNCT
fsr-3456	87	21	debt	debt	NOUN
fsr-3456	87	22	anxiety	anxiety	NOUN
fsr-3456	87	23	was	be	AUX
fsr-3456	87	24	lower	low	ADJ
fsr-3456	87	25	.	.	PUNCT
fsr-3456	88	1	having	have	VERB
fsr-3456	88	2	a	a	DET
fsr-3456	88	3	tertiary	tertiary	ADJ
fsr-3456	88	4	degree	degree	NOUN
fsr-3456	88	5	is	be	AUX
fsr-3456	88	6	linked	link	VERB
fsr-3456	88	7	to	to	ADP
fsr-3456	88	8	financial	financial	ADJ
fsr-3456	88	9	wellness	wellness	NOUN
fsr-3456	88	10	by	by	ADP
fsr-3456	88	11	a	a	DET
fsr-3456	88	12	higher	high	ADJ
fsr-3456	88	13	magnitude	magnitude	NOUN
fsr-3456	88	14	than	than	SCONJ
fsr-3456	88	15	student	student	NOUN
fsr-3456	88	16	debt	debt	NOUN
fsr-3456	88	17	is	be	AUX
fsr-3456	88	18	linked	link	VERB
fsr-3456	88	19	to	to	ADP
fsr-3456	88	20	financial	financial	ADJ
fsr-3456	88	21	stress	stress	NOUN
fsr-3456	88	22	(	(	PUNCT
fsr-3456	88	23	henager	henager	NOUN
fsr-3456	88	24	&	&	CCONJ
fsr-3456	88	25	wilmarth	wilmarth	NOUN
fsr-3456	88	26	,	,	PUNCT
fsr-3456	88	27	2018	2018	NUM
fsr-3456	88	28	)	)	PUNCT
fsr-3456	88	29	.	.	PUNCT
fsr-3456	89	1	this	this	DET
fsr-3456	89	2	distinction	distinction	NOUN
fsr-3456	89	3	is	be	AUX
fsr-3456	89	4	important	important	ADJ
fsr-3456	89	5	for	for	SCONJ
fsr-3456	89	6	students	student	NOUN
fsr-3456	89	7	to	to	PART
fsr-3456	89	8	understand	understand	VERB
fsr-3456	89	9	when	when	SCONJ
fsr-3456	89	10	making	make	VERB
fsr-3456	89	11	study	study	NOUN
fsr-3456	89	12	decisions	decision	NOUN
fsr-3456	89	13	.	.	PUNCT
fsr-3456	90	1	these	these	DET
fsr-3456	90	2	perceptions	perception	NOUN
fsr-3456	90	3	were	be	AUX
fsr-3456	90	4	also	also	ADV
fsr-3456	90	5	found	find	VERB
fsr-3456	90	6	to	to	PART
fsr-3456	90	7	be	be	AUX
fsr-3456	90	8	connected	connect	VERB
fsr-3456	90	9	to	to	ADP
fsr-3456	90	10	subject	subject	ADJ
fsr-3456	90	11	choices	choice	NOUN
fsr-3456	90	12	.	.	PUNCT
fsr-3456	91	1	business	business	NOUN
fsr-3456	91	2	students	student	NOUN
fsr-3456	91	3	had	have	VERB
fsr-3456	91	4	higher	high	ADJ
fsr-3456	91	5	confidence	confidence	NOUN
fsr-3456	91	6	in	in	ADP
fsr-3456	91	7	a	a	DET
fsr-3456	91	8	return	return	NOUN
fsr-3456	91	9	on	on	ADP
fsr-3456	91	10	their	their	PRON
fsr-3456	91	11	education	education	NOUN
fsr-3456	91	12	than	than	ADP
fsr-3456	91	13	that	that	PRON
fsr-3456	91	14	of	of	ADP
fsr-3456	91	15	social	social	ADJ
fsr-3456	91	16	science	science	NOUN
fsr-3456	91	17	students	student	NOUN
fsr-3456	91	18	,	,	PUNCT
fsr-3456	91	19	a	a	DET
fsr-3456	91	20	likely	likely	ADJ
fsr-3456	91	21	reflection	reflection	NOUN
fsr-3456	91	22	of	of	ADP
fsr-3456	91	23	graduate	graduate	ADJ
fsr-3456	91	24	salary	salary	NOUN
fsr-3456	91	25	expectations	expectation	NOUN
fsr-3456	91	26	(	(	PUNCT
fsr-3456	91	27	luthans	luthan	NOUN
fsr-3456	91	28	,	,	PUNCT
fsr-3456	91	29	luthans	luthans	PROPN
fsr-3456	91	30	,	,	PUNCT
fsr-3456	91	31	&	&	CCONJ
fsr-3456	91	32	chaffin	chaffin	PROPN
fsr-3456	91	33	,	,	PUNCT
fsr-3456	91	34	2019	2019	NUM
fsr-3456	91	35	;	;	PUNCT
fsr-3456	91	36	peach	peach	PROPN
fsr-3456	91	37	&	&	CCONJ
fsr-3456	91	38	yuan	yuan	PROPN
fsr-3456	91	39	,	,	PUNCT
fsr-3456	91	40	2017	2017	NUM
fsr-3456	91	41	)	)	PUNCT
fsr-3456	91	42	.	.	PUNCT
fsr-3456	92	1	on	on	ADP
fsr-3456	92	2	the	the	DET
fsr-3456	92	3	matter	matter	NOUN
fsr-3456	92	4	of	of	ADP
fsr-3456	92	5	study	study	NOUN
fsr-3456	92	6	choice	choice	NOUN
fsr-3456	92	7	,	,	PUNCT
fsr-3456	92	8	cull	cull	PROPN
fsr-3456	92	9	&	&	CCONJ
fsr-3456	92	10	whitton	whitton	PROPN
fsr-3456	92	11	(	(	PUNCT
fsr-3456	92	12	2011	2011	NUM
fsr-3456	92	13	)	)	PUNCT
fsr-3456	92	14	survey	survey	VERB
fsr-3456	92	15	472	472	NUM
fsr-3456	92	16	students	student	NOUN
fsr-3456	92	17	in	in	ADP
fsr-3456	92	18	sydney	sydney	NOUN
fsr-3456	92	19	and	and	CCONJ
fsr-3456	92	20	find	find	VERB
fsr-3456	92	21	that	that	SCONJ
fsr-3456	92	22	financial	financial	ADJ
fsr-3456	92	23	knowledge	knowledge	NOUN
fsr-3456	92	24	is	be	AUX
fsr-3456	92	25	dependent	dependent	ADJ
fsr-3456	92	26	on	on	ADP
fsr-3456	92	27	field	field	NOUN
fsr-3456	92	28	of	of	ADP
fsr-3456	92	29	study	study	NOUN
fsr-3456	92	30	,	,	PUNCT
fsr-3456	92	31	income	income	NOUN
fsr-3456	92	32	,	,	PUNCT
fsr-3456	92	33	and	and	CCONJ
fsr-3456	92	34	age	age	NOUN
fsr-3456	92	35	.	.	PUNCT
fsr-3456	93	1	for	for	ADP
fsr-3456	93	2	example	example	NOUN
fsr-3456	93	3	,	,	PUNCT
fsr-3456	93	4	science	science	NOUN
fsr-3456	93	5	students	student	NOUN
fsr-3456	93	6	scored	score	VERB
fsr-3456	93	7	better	well	ADV
fsr-3456	93	8	on	on	ADP
fsr-3456	93	9	questions	question	NOUN
fsr-3456	93	10	regarding	regard	VERB
fsr-3456	93	11	interest	interest	NOUN
fsr-3456	93	12	,	,	PUNCT
fsr-3456	93	13	but	but	CCONJ
fsr-3456	93	14	regarding	regard	VERB
fsr-3456	93	15	fees	fee	NOUN
fsr-3456	93	16	,	,	PUNCT
fsr-3456	93	17	tax	tax	NOUN
fsr-3456	93	18	and	and	CCONJ
fsr-3456	93	19	student	student	NOUN
fsr-3456	93	20	debt	debt	NOUN
fsr-3456	93	21	knowledge	knowledge	NOUN
fsr-3456	93	22	,	,	PUNCT
fsr-3456	93	23	income	income	NOUN
fsr-3456	93	24	was	be	AUX
fsr-3456	93	25	a	a	DET
fsr-3456	93	26	better	well	ADJ
fsr-3456	93	27	predictor	predictor	NOUN
fsr-3456	93	28	.	.	PUNCT
fsr-3456	94	1	u.s	u.s	PROPN
fsr-3456	94	2	.	.	PROPN
fsr-3456	94	3	studies	study	NOUN
fsr-3456	94	4	also	also	ADV
fsr-3456	94	5	point	point	VERB
fsr-3456	94	6	to	to	ADP
fsr-3456	94	7	poor	poor	ADJ
fsr-3456	94	8	financial	financial	ADJ
fsr-3456	94	9	behaviors	behavior	NOUN
fsr-3456	94	10	demonstrated	demonstrate	VERB
fsr-3456	94	11	by	by	ADP
fsr-3456	94	12	college	college	NOUN
fsr-3456	94	13	students	student	NOUN
fsr-3456	94	14	.	.	PUNCT
fsr-3456	95	1	for	for	ADP
fsr-3456	95	2	example	example	NOUN
fsr-3456	95	3	,	,	PUNCT
fsr-3456	95	4	mae	mae	PROPN
fsr-3456	95	5	(	(	PUNCT
fsr-3456	95	6	2009	2009	NUM
fsr-3456	95	7	)	)	PUNCT
fsr-3456	95	8	found	find	VERB
fsr-3456	95	9	that	that	SCONJ
fsr-3456	95	10	over	over	ADP
fsr-3456	95	11	half	half	NOUN
fsr-3456	95	12	of	of	ADP
fsr-3456	95	13	college	college	NOUN
fsr-3456	95	14	students	student	NOUN
fsr-3456	95	15	had	have	VERB
fsr-3456	95	16	four	four	NUM
fsr-3456	95	17	or	or	CCONJ
fsr-3456	95	18	more	more	ADJ
fsr-3456	95	19	credit	credit	NOUN
fsr-3456	95	20	cards	card	NOUN
fsr-3456	95	21	,	,	PUNCT
fsr-3456	95	22	and	and	CCONJ
fsr-3456	95	23	90	90	NUM
fsr-3456	95	24	%	%	NOUN
fsr-3456	95	25	indicated	indicate	VERB
fsr-3456	95	26	using	use	VERB
fsr-3456	95	27	credit	credit	NOUN
fsr-3456	95	28	to	to	PART
fsr-3456	95	29	pay	pay	VERB
fsr-3456	95	30	for	for	ADP
fsr-3456	95	31	education	education	NOUN
fsr-3456	95	32	expenses	expense	NOUN
fsr-3456	95	33	including	include	VERB
fsr-3456	95	34	text	text	NOUN
fsr-3456	95	35	books	book	NOUN
fsr-3456	95	36	,	,	PUNCT
fsr-3456	95	37	school	school	NOUN
fsr-3456	95	38	supplies	supply	NOUN
fsr-3456	95	39	,	,	PUNCT
fsr-3456	95	40	and	and	CCONJ
fsr-3456	95	41	commuter	commuter	NOUN
fsr-3456	95	42	costs	cost	NOUN
fsr-3456	95	43	.	.	PUNCT
fsr-3456	96	1	in	in	ADP
fsr-3456	96	2	addition	addition	NOUN
fsr-3456	96	3	,	,	PUNCT
fsr-3456	96	4	many	many	ADJ
fsr-3456	96	5	survey	survey	NOUN
fsr-3456	96	6	respondents	respondent	NOUN
fsr-3456	96	7	appeared	appear	VERB
fsr-3456	96	8	to	to	PART
fsr-3456	96	9	use	use	VERB
fsr-3456	96	10	credit	credit	NOUN
fsr-3456	96	11	cards	card	NOUN
fsr-3456	96	12	to	to	PART
fsr-3456	96	13	live	live	VERB
fsr-3456	96	14	beyond	beyond	ADP
fsr-3456	96	15	their	their	PRON
fsr-3456	96	16	means	mean	NOUN
fsr-3456	96	17	.	.	PUNCT
fsr-3456	97	1	studies	study	NOUN
fsr-3456	97	2	also	also	ADV
fsr-3456	97	3	found	find	VERB
fsr-3456	97	4	poorer	poor	ADJ
fsr-3456	97	5	behaviors	behavior	NOUN
fsr-3456	97	6	among	among	ADP
fsr-3456	97	7	females	female	NOUN
fsr-3456	97	8	.	.	PUNCT
fsr-3456	98	1	female	female	ADJ
fsr-3456	98	2	students	student	NOUN
fsr-3456	98	3	in	in	ADP
fsr-3456	98	4	the	the	DET
fsr-3456	98	5	united	united	PROPN
fsr-3456	98	6	states	states	PROPN
fsr-3456	98	7	were	be	AUX
fsr-3456	98	8	likely	likely	ADJ
fsr-3456	98	9	to	to	PART
fsr-3456	98	10	carry	carry	VERB
fsr-3456	98	11	a	a	DET
fsr-3456	98	12	higher	high	ADJ
fsr-3456	98	13	number	number	NOUN
fsr-3456	98	14	of	of	ADP
fsr-3456	98	15	credit	credit	NOUN
fsr-3456	98	16	cards	card	NOUN
fsr-3456	98	17	,	,	PUNCT
fsr-3456	98	18	exhibit	exhibit	VERB
fsr-3456	98	19	more	more	ADJ
fsr-3456	98	20	problematic	problematic	ADJ
fsr-3456	98	21	credit	credit	NOUN
fsr-3456	98	22	card	card	NOUN
fsr-3456	98	23	behaviors	behavior	NOUN
fsr-3456	98	24	(	(	PUNCT
fsr-3456	98	25	e.g.	e.g.	ADV
fsr-3456	98	26	,	,	PUNCT
fsr-3456	98	27	not	not	PART
fsr-3456	98	28	paying	pay	VERB
fsr-3456	98	29	bills	bill	NOUN
fsr-3456	98	30	on	on	ADP
fsr-3456	98	31	time	time	NOUN
fsr-3456	98	32	)	)	PUNCT
fsr-3456	98	33	,	,	PUNCT
fsr-3456	98	34	and	and	CCONJ
fsr-3456	98	35	asking	ask	VERB
fsr-3456	98	36	parents	parent	NOUN
fsr-3456	98	37	for	for	ADP
fsr-3456	98	38	help	help	NOUN
fsr-3456	98	39	to	to	PART
fsr-3456	98	40	pay	pay	VERB
fsr-3456	98	41	bills	bill	NOUN
fsr-3456	98	42	(	(	PUNCT
fsr-3456	98	43	hancock	hancock	PROPN
fsr-3456	98	44	,	,	PUNCT
fsr-3456	98	45	jorgensen	jorgensen	PROPN
fsr-3456	98	46	,	,	PUNCT
fsr-3456	98	47	&	&	CCONJ
fsr-3456	98	48	swanson	swanson	PROPN
fsr-3456	98	49	,	,	PUNCT
fsr-3456	98	50	2013	2013	NUM
fsr-3456	98	51	;	;	PUNCT
fsr-3456	98	52	norvilitis	norvilitis	ADJ
fsr-3456	98	53	,	,	PUNCT
fsr-3456	98	54	szablicki	szablicki	NOUN
fsr-3456	98	55	,	,	PUNCT
fsr-3456	98	56	&	&	CCONJ
fsr-3456	98	57	wilson	wilson	PROPN
fsr-3456	98	58	,	,	PUNCT
fsr-3456	98	59	2003	2003	NUM
fsr-3456	98	60	;	;	PUNCT
fsr-3456	98	61	worthy	worthy	ADJ
fsr-3456	98	62	,	,	PUNCT
fsr-3456	98	63	jonkman	jonkman	NOUN
fsr-3456	98	64	,	,	PUNCT
fsr-3456	98	65	&	&	CCONJ
fsr-3456	98	66	blinn	blinn	PROPN
fsr-3456	98	67	-	-	PUNCT
fsr-3456	98	68	pike	pike	NOUN
fsr-3456	98	69	,	,	PUNCT
fsr-3456	98	70	2010	2010	NUM
fsr-3456	98	71	)	)	PUNCT
fsr-3456	98	72	.	.	PUNCT
fsr-3456	99	1	australian	australian	ADJ
fsr-3456	99	2	females	female	NOUN
fsr-3456	99	3	are	be	AUX
fsr-3456	99	4	similar	similar	ADJ
fsr-3456	99	5	.	.	PUNCT
fsr-3456	100	1	ha	ha	INTJ
fsr-3456	100	2	(	(	PUNCT
fsr-3456	100	3	2013	2013	NUM
fsr-3456	100	4	)	)	PUNCT
fsr-3456	100	5	surveyed	survey	VERB
fsr-3456	100	6	257	257	NUM
fsr-3456	100	7	students	student	NOUN
fsr-3456	100	8	at	at	ADP
fsr-3456	100	9	universities	university	NOUN
fsr-3456	100	10	in	in	ADP
fsr-3456	100	11	melbourne	melbourne	PROPN
fsr-3456	100	12	and	and	CCONJ
fsr-3456	100	13	found	find	VERB
fsr-3456	100	14	that	that	SCONJ
fsr-3456	100	15	senior	senior	ADJ
fsr-3456	100	16	female	female	ADJ
fsr-3456	100	17	students	student	NOUN
fsr-3456	100	18	had	have	VERB
fsr-3456	100	19	irresponsible	irresponsible	ADJ
fsr-3456	100	20	patterns	pattern	NOUN
fsr-3456	100	21	of	of	ADP
fsr-3456	100	22	credit	credit	NOUN
fsr-3456	100	23	card	card	NOUN
fsr-3456	100	24	use	use	NOUN
fsr-3456	100	25	while	while	SCONJ
fsr-3456	100	26	junior	junior	ADJ
fsr-3456	100	27	students	student	NOUN
fsr-3456	100	28	had	have	VERB
fsr-3456	100	29	responsible	responsible	ADJ
fsr-3456	100	30	patterns	pattern	NOUN
fsr-3456	100	31	.	.	PUNCT
fsr-3456	101	1	many	many	ADJ
fsr-3456	101	2	female	female	ADJ
fsr-3456	101	3	students	student	NOUN
fsr-3456	101	4	sought	seek	VERB
fsr-3456	101	5	financial	financial	ADJ
fsr-3456	101	6	help	help	NOUN
fsr-3456	101	7	from	from	ADP
fsr-3456	101	8	friends	friend	NOUN
fsr-3456	101	9	and	and	CCONJ
fsr-3456	101	10	family	family	NOUN
fsr-3456	101	11	or	or	CCONJ
fsr-3456	101	12	approached	approach	VERB
fsr-3456	101	13	external	external	ADJ
fsr-3456	101	14	sources	source	NOUN
fsr-3456	101	15	of	of	ADP
fsr-3456	101	16	help	help	NOUN
fsr-3456	101	17	such	such	ADJ
fsr-3456	101	18	as	as	ADP
fsr-3456	101	19	financial	financial	ADJ
fsr-3456	101	20	counsellors	counsellor	NOUN
fsr-3456	101	21	,	,	PUNCT
fsr-3456	101	22	government	government	NOUN
fsr-3456	101	23	,	,	PUNCT
fsr-3456	101	24	and	and	CCONJ
fsr-3456	101	25	non	non	ADJ
fsr-3456	101	26	-	-	ADJ
fsr-3456	101	27	government	government	ADJ
fsr-3456	101	28	agencies	agency	NOUN
fsr-3456	101	29	.	.	PUNCT
fsr-3456	102	1	a	a	DET
fsr-3456	102	2	further	further	ADJ
fsr-3456	102	3	challenge	challenge	NOUN
fsr-3456	102	4	to	to	ADP
fsr-3456	102	5	managing	manage	VERB
fsr-3456	102	6	finances	finance	NOUN
fsr-3456	102	7	is	be	AUX
fsr-3456	102	8	the	the	DET
fsr-3456	102	9	pressure	pressure	NOUN
fsr-3456	102	10	to	to	PART
fsr-3456	102	11	conform	conform	VERB
fsr-3456	102	12	to	to	ADP
fsr-3456	102	13	social	social	ADJ
fsr-3456	102	14	norms	norm	NOUN
fsr-3456	102	15	through	through	ADP
fsr-3456	102	16	consumer	consumer	NOUN
fsr-3456	102	17	spending	spending	NOUN
fsr-3456	102	18	that	that	PRON
fsr-3456	102	19	is	be	AUX
fsr-3456	102	20	particularly	particularly	ADV
fsr-3456	102	21	challenging	challenging	ADJ
fsr-3456	102	22	for	for	ADP
fsr-3456	102	23	young	young	ADJ
fsr-3456	102	24	adults	adult	NOUN
fsr-3456	102	25	(	(	PUNCT
fsr-3456	102	26	georgarakos	georgarakos	NOUN
fsr-3456	102	27	,	,	PUNCT
fsr-3456	102	28	haliassos	haliassos	NOUN
fsr-3456	102	29	,	,	PUNCT
fsr-3456	102	30	&	&	CCONJ
fsr-3456	102	31	pasini	pasini	PROPN
fsr-3456	102	32	,	,	PUNCT
fsr-3456	102	33	2014	2014	NUM
fsr-3456	102	34	;	;	PUNCT
fsr-3456	102	35	spencer	spencer	NOUN
fsr-3456	102	36	,	,	PUNCT
fsr-3456	102	37	nieboer	nieboer	NOUN
fsr-3456	102	38	,	,	PUNCT
fsr-3456	102	39	&	&	CCONJ
fsr-3456	102	40	elliott	elliott	PROPN
fsr-3456	102	41	,	,	PUNCT
fsr-3456	102	42	2015	2015	NUM
fsr-3456	102	43	;	;	PUNCT
fsr-3456	102	44	vaitilingam	vaitilingam	NOUN
fsr-3456	102	45	,	,	PUNCT
fsr-3456	102	46	2016	2016	NUM
fsr-3456	102	47	)	)	PUNCT
fsr-3456	102	48	.	.	PUNCT
fsr-3456	103	1	young	young	ADJ
fsr-3456	103	2	people	people	NOUN
fsr-3456	103	3	are	be	AUX
fsr-3456	103	4	more	more	ADV
fsr-3456	103	5	likely	likely	ADJ
fsr-3456	103	6	to	to	PART
fsr-3456	103	7	hold	hold	VERB
fsr-3456	103	8	potentially	potentially	ADV
fsr-3456	103	9	destructive	destructive	ADJ
fsr-3456	103	10	beliefs	belief	NOUN
fsr-3456	103	11	about	about	ADP
fsr-3456	103	12	money	money	NOUN
fsr-3456	103	13	,	,	PUNCT
fsr-3456	103	14	with	with	ADP
fsr-3456	103	15	materialism	materialism	NOUN
fsr-3456	103	16	being	be	AUX
fsr-3456	103	17	a	a	DET
fsr-3456	103	18	personality	personality	NOUN
fsr-3456	103	19	trait	trait	NOUN
fsr-3456	103	20	likely	likely	ADV
fsr-3456	103	21	internalized	internalize	VERB
fsr-3456	103	22	early	early	ADV
fsr-3456	103	23	in	in	ADP
fsr-3456	103	24	life	life	NOUN
fsr-3456	103	25	(	(	PUNCT
fsr-3456	103	26	mentzer	mentzer	PROPN
fsr-3456	103	27	,	,	PUNCT
fsr-3456	103	28	klontz	klontz	PROPN
fsr-3456	103	29	,	,	PUNCT
fsr-3456	103	30	klontz	klontz	PROPN
fsr-3456	103	31	,	,	PUNCT
fsr-3456	103	32	&	&	CCONJ
fsr-3456	103	33	britt	britt	PROPN
fsr-3456	103	34	,	,	PUNCT
fsr-3456	104	1	t.	t.	PROPN
fsr-3456	104	2	west	west	PROPN
fsr-3456	104	3	et	et	PROPN
fsr-3456	104	4	al	al	PROPN
fsr-3456	104	5	.	.	PUNCT
fsr-3456	104	6	/	/	SYM
fsr-3456	104	7	financial	financial	ADJ
fsr-3456	104	8	services	service	NOUN
fsr-3456	104	9	review	review	VERB
fsr-3456	104	10	29	29	NUM
fsr-3456	104	11	(	(	PUNCT
fsr-3456	104	12	2021	2021	NUM
fsr-3456	104	13	)	)	PUNCT
fsr-3456	104	14	187–207	187–207	NUM
fsr-3456	104	15	191	191	NUM
fsr-3456	104	16	2011	2011	NUM
fsr-3456	104	17	;	;	PUNCT
fsr-3456	104	18	richins	richin	NOUN
fsr-3456	104	19	,	,	PUNCT
fsr-3456	104	20	2004	2004	NUM
fsr-3456	104	21	)	)	PUNCT
fsr-3456	104	22	and	and	CCONJ
fsr-3456	104	23	personality	personality	NOUN
fsr-3456	104	24	found	find	VERB
fsr-3456	104	25	to	to	PART
fsr-3456	104	26	be	be	AUX
fsr-3456	104	27	an	an	DET
fsr-3456	104	28	important	important	ADJ
fsr-3456	104	29	predictor	predictor	NOUN
fsr-3456	104	30	of	of	ADP
fsr-3456	104	31	financial	financial	ADJ
fsr-3456	104	32	satisfaction	satisfaction	NOUN
fsr-3456	104	33	(	(	PUNCT
fsr-3456	104	34	tharp	tharp	NOUN
fsr-3456	104	35	,	,	PUNCT
fsr-3456	104	36	seay	seay	PROPN
fsr-3456	104	37	,	,	PUNCT
fsr-3456	104	38	carswell	carswell	PROPN
fsr-3456	104	39	,	,	PUNCT
fsr-3456	104	40	&	&	CCONJ
fsr-3456	104	41	macdonald	macdonald	PROPN
fsr-3456	104	42	,	,	PUNCT
fsr-3456	104	43	2020	2020	NUM
fsr-3456	104	44	)	)	PUNCT
fsr-3456	104	45	.	.	PUNCT
fsr-3456	105	1	lifestyle	lifestyle	NOUN
fsr-3456	105	2	aspirations	aspiration	NOUN
fsr-3456	105	3	spurred	spur	VERB
fsr-3456	105	4	on	on	ADP
fsr-3456	105	5	by	by	ADP
fsr-3456	105	6	influence	influence	NOUN
fsr-3456	105	7	of	of	ADP
fsr-3456	105	8	various	various	ADJ
fsr-3456	105	9	forms	form	NOUN
fsr-3456	105	10	of	of	ADP
fsr-3456	105	11	media	medium	NOUN
fsr-3456	105	12	or	or	CCONJ
fsr-3456	105	13	peers	peer	NOUN
fsr-3456	105	14	are	be	AUX
fsr-3456	105	15	likely	likely	ADJ
fsr-3456	105	16	to	to	PART
fsr-3456	105	17	increase	increase	VERB
fsr-3456	105	18	young	young	ADJ
fsr-3456	105	19	people	people	NOUN
fsr-3456	105	20	’s	’s	PART
fsr-3456	105	21	reliance	reliance	NOUN
fsr-3456	105	22	on	on	ADP
fsr-3456	105	23	debt	debt	NOUN
fsr-3456	105	24	(	(	PUNCT
fsr-3456	105	25	fear	fear	NOUN
fsr-3456	105	26	and	and	CCONJ
fsr-3456	105	27	o’brien	o’brien	NOUN
fsr-3456	105	28	,	,	PUNCT
fsr-3456	105	29	2009	2009	NUM
fsr-3456	105	30	)	)	PUNCT
fsr-3456	105	31	.	.	PUNCT
fsr-3456	106	1	the	the	DET
fsr-3456	106	2	introduction	introduction	NOUN
fsr-3456	106	3	of	of	ADP
fsr-3456	106	4	new	new	ADJ
fsr-3456	106	5	financial	financial	ADJ
fsr-3456	106	6	products	product	NOUN
fsr-3456	106	7	such	such	ADJ
fsr-3456	106	8	as	as	ADP
fsr-3456	106	9	afterpay	afterpay	NOUN
fsr-3456	106	10	and	and	CCONJ
fsr-3456	106	11	zip	zip	NOUN
fsr-3456	106	12	pay	pay	NOUN
fsr-3456	106	13	have	have	AUX
fsr-3456	106	14	further	far	ADV
fsr-3456	106	15	exacerbated	exacerbate	VERB
fsr-3456	106	16	the	the	DET
fsr-3456	106	17	spending	spending	NOUN
fsr-3456	106	18	on	on	ADP
fsr-3456	106	19	non	non	ADJ
fsr-3456	106	20	-	-	ADJ
fsr-3456	106	21	essential	essential	ADJ
fsr-3456	106	22	items	item	NOUN
fsr-3456	106	23	by	by	ADP
fsr-3456	106	24	young	young	ADJ
fsr-3456	106	25	people	people	NOUN
fsr-3456	106	26	,	,	PUNCT
fsr-3456	106	27	with	with	ADP
fsr-3456	106	28	almost	almost	ADV
fsr-3456	106	29	a	a	PRON
fsr-3456	106	30	quarter	quarter	NOUN
fsr-3456	106	31	of	of	ADP
fsr-3456	106	32	zip	zip	NOUN
fsr-3456	106	33	pay	pay	NOUN
fsr-3456	106	34	customers	customer	NOUN
fsr-3456	106	35	under	under	ADP
fsr-3456	106	36	the	the	DET
fsr-3456	106	37	age	age	NOUN
fsr-3456	106	38	of	of	ADP
fsr-3456	106	39	24	24	NUM
fsr-3456	106	40	(	(	PUNCT
fsr-3456	106	41	dutta	dutta	PROPN
fsr-3456	106	42	,	,	PUNCT
fsr-3456	106	43	singh	singh	PROPN
fsr-3456	106	44	,	,	PUNCT
fsr-3456	106	45	&	&	CCONJ
fsr-3456	106	46	sultana	sultana	NOUN
fsr-3456	106	47	,	,	PUNCT
fsr-3456	106	48	2019	2019	NUM
fsr-3456	106	49	)	)	PUNCT
fsr-3456	106	50	.	.	PUNCT
fsr-3456	107	1	students	student	NOUN
fsr-3456	107	2	,	,	PUNCT
fsr-3456	107	3	therefore	therefore	ADV
fsr-3456	107	4	,	,	PUNCT
fsr-3456	107	5	may	may	AUX
fsr-3456	107	6	undertake	undertake	VERB
fsr-3456	107	7	risky	risky	ADJ
fsr-3456	107	8	financial	financial	ADJ
fsr-3456	107	9	behaviors	behavior	NOUN
fsr-3456	107	10	,	,	PUNCT
fsr-3456	107	11	especially	especially	ADV
fsr-3456	107	12	low	low	ADJ
fsr-3456	107	13	-	-	PUNCT
fsr-3456	107	14	income	income	NOUN
fsr-3456	107	15	students	student	NOUN
fsr-3456	107	16	due	due	ADP
fsr-3456	107	17	to	to	ADP
fsr-3456	107	18	the	the	DET
fsr-3456	107	19	limited	limited	ADJ
fsr-3456	107	20	availability	availability	NOUN
fsr-3456	107	21	of	of	ADP
fsr-3456	107	22	financial	financial	ADJ
fsr-3456	107	23	resources	resource	NOUN
fsr-3456	107	24	(	(	PUNCT
fsr-3456	107	25	bester	bester	NOUN
fsr-3456	107	26	et	et	NOUN
fsr-3456	107	27	al	al	PROPN
fsr-3456	107	28	.	.	PROPN
fsr-3456	107	29	,	,	PUNCT
fsr-3456	107	30	2008	2008	NUM
fsr-3456	107	31	)	)	PUNCT
fsr-3456	107	32	.	.	PUNCT
fsr-3456	108	1	finally	finally	ADV
fsr-3456	108	2	,	,	PUNCT
fsr-3456	108	3	financial	financial	ADJ
fsr-3456	108	4	literacy	literacy	NOUN
fsr-3456	108	5	researchers	researcher	NOUN
fsr-3456	108	6	concur	concur	VERB
fsr-3456	108	7	that	that	SCONJ
fsr-3456	108	8	a	a	DET
fsr-3456	108	9	lack	lack	NOUN
fsr-3456	108	10	of	of	ADP
fsr-3456	108	11	knowledge	knowledge	NOUN
fsr-3456	108	12	of	of	ADP
fsr-3456	108	13	financial	financial	ADJ
fsr-3456	108	14	concepts	concept	NOUN
fsr-3456	108	15	before	before	ADP
fsr-3456	108	16	entering	enter	VERB
fsr-3456	108	17	tertiary	tertiary	ADJ
fsr-3456	108	18	study	study	NOUN
fsr-3456	108	19	contributes	contribute	VERB
fsr-3456	108	20	to	to	ADP
fsr-3456	108	21	an	an	DET
fsr-3456	108	22	experience	experience	NOUN
fsr-3456	108	23	that	that	PRON
fsr-3456	108	24	can	can	AUX
fsr-3456	108	25	be	be	AUX
fsr-3456	108	26	financially	financially	ADV
fsr-3456	108	27	stressful	stressful	ADJ
fsr-3456	108	28	.	.	PUNCT
fsr-3456	109	1	studies	study	NOUN
fsr-3456	109	2	find	find	VERB
fsr-3456	109	3	that	that	SCONJ
fsr-3456	109	4	in	in	ADP
fsr-3456	109	5	general	general	ADJ
fsr-3456	109	6	,	,	PUNCT
fsr-3456	109	7	young	young	ADJ
fsr-3456	109	8	people	people	NOUN
fsr-3456	109	9	,	,	PUNCT
fsr-3456	109	10	older	old	ADJ
fsr-3456	109	11	people	people	NOUN
fsr-3456	109	12	,	,	PUNCT
fsr-3456	109	13	women	woman	NOUN
fsr-3456	109	14	,	,	PUNCT
fsr-3456	109	15	and	and	CCONJ
fsr-3456	109	16	minority	minority	NOUN
fsr-3456	109	17	groups	group	NOUN
fsr-3456	109	18	have	have	VERB
fsr-3456	109	19	lower	low	ADJ
fsr-3456	109	20	levels	level	NOUN
fsr-3456	109	21	of	of	ADP
fsr-3456	109	22	financial	financial	ADJ
fsr-3456	109	23	literacy	literacy	NOUN
fsr-3456	109	24	(	(	PUNCT
fsr-3456	109	25	west	west	PROPN
fsr-3456	109	26	&	&	CCONJ
fsr-3456	109	27	worthington	worthington	PROPN
fsr-3456	109	28	,	,	PUNCT
fsr-3456	109	29	2018	2018	NUM
fsr-3456	109	30	;	;	PUNCT
fsr-3456	109	31	wilkins	wilkin	NOUN
fsr-3456	109	32	,	,	PUNCT
fsr-3456	109	33	2018	2018	NUM
fsr-3456	109	34	)	)	PUNCT
fsr-3456	109	35	.	.	PUNCT
fsr-3456	110	1	lusardi	lusardi	PROPN
fsr-3456	110	2	,	,	PUNCT
fsr-3456	110	3	mitchell	mitchell	PROPN
fsr-3456	110	4	,	,	PUNCT
fsr-3456	110	5	&	&	CCONJ
fsr-3456	110	6	curto	curto	PROPN
fsr-3456	110	7	(	(	PUNCT
fsr-3456	110	8	2010	2010	NUM
fsr-3456	110	9	)	)	PUNCT
fsr-3456	110	10	found	find	VERB
fsr-3456	110	11	that	that	SCONJ
fsr-3456	110	12	financial	financial	ADJ
fsr-3456	110	13	literacy	literacy	NOUN
fsr-3456	110	14	of	of	ADP
fsr-3456	110	15	young	young	ADJ
fsr-3456	110	16	people	people	NOUN
fsr-3456	110	17	was	be	AUX
fsr-3456	110	18	poor	poor	ADJ
fsr-3456	110	19	in	in	ADP
fsr-3456	110	20	the	the	DET
fsr-3456	110	21	united	united	PROPN
fsr-3456	110	22	states	states	PROPN
fsr-3456	110	23	,	,	PUNCT
fsr-3456	110	24	leading	lead	VERB
fsr-3456	110	25	to	to	ADP
fsr-3456	110	26	a	a	DET
fsr-3456	110	27	long	long	ADJ
fsr-3456	110	28	list	list	NOUN
fsr-3456	110	29	of	of	ADP
fsr-3456	110	30	negative	negative	ADJ
fsr-3456	110	31	consequences	consequence	NOUN
fsr-3456	110	32	.	.	PUNCT
fsr-3456	111	1	these	these	DET
fsr-3456	111	2	consequences	consequence	NOUN
fsr-3456	111	3	include	include	VERB
fsr-3456	111	4	problems	problem	NOUN
fsr-3456	111	5	with	with	ADP
fsr-3456	111	6	debt	debt	NOUN
fsr-3456	111	7	(	(	PUNCT
fsr-3456	111	8	lusardi	lusardi	PROPN
fsr-3456	111	9	&	&	CCONJ
fsr-3456	111	10	tufano	tufano	ADJ
fsr-3456	111	11	,	,	PUNCT
fsr-3456	111	12	2009	2009	NUM
fsr-3456	111	13	)	)	PUNCT
fsr-3456	111	14	,	,	PUNCT
fsr-3456	111	15	reduced	reduce	VERB
fsr-3456	111	16	stock	stock	NOUN
fsr-3456	111	17	market	market	NOUN
fsr-3456	111	18	participation	participation	NOUN
fsr-3456	111	19	and	and	CCONJ
fsr-3456	111	20	risk	risk	NOUN
fsr-3456	111	21	taking	taking	NOUN
fsr-3456	111	22	(	(	PUNCT
fsr-3456	111	23	van	van	PROPN
fsr-3456	111	24	rooij	rooij	NOUN
fsr-3456	111	25	,	,	PUNCT
fsr-3456	111	26	lusardi	lusardi	PROPN
fsr-3456	111	27	,	,	PUNCT
fsr-3456	111	28	&	&	CCONJ
fsr-3456	111	29	alessie	alessie	PROPN
fsr-3456	111	30	,	,	PUNCT
fsr-3456	111	31	2007	2007	NUM
fsr-3456	111	32	;	;	PUNCT
fsr-3456	111	33	west	west	PROPN
fsr-3456	111	34	&	&	CCONJ
fsr-3456	111	35	worthington	worthington	PROPN
fsr-3456	111	36	,	,	PUNCT
fsr-3456	111	37	2014	2014	NUM
fsr-3456	111	38	)	)	PUNCT
fsr-3456	111	39	,	,	PUNCT
fsr-3456	111	40	lower	low	ADJ
fsr-3456	111	41	likelihoods	likelihood	NOUN
fsr-3456	111	42	of	of	ADP
fsr-3456	111	43	choosing	choose	VERB
fsr-3456	111	44	investments	investment	NOUN
fsr-3456	111	45	with	with	ADP
fsr-3456	111	46	lower	low	ADJ
fsr-3456	111	47	fees	fee	NOUN
fsr-3456	111	48	(	(	PUNCT
fsr-3456	111	49	hastings	hastings	PROPN
fsr-3456	111	50	&	&	CCONJ
fsr-3456	111	51	tejeda	tejeda	PROPN
fsr-3456	111	52	-	-	PUNCT
fsr-3456	111	53	ashton	ashton	PROPN
fsr-3456	111	54	,	,	PUNCT
fsr-3456	111	55	2008	2008	NUM
fsr-3456	111	56	)	)	PUNCT
fsr-3456	111	57	,	,	PUNCT
fsr-3456	111	58	lower	low	ADJ
fsr-3456	111	59	likelihoods	likelihood	NOUN
fsr-3456	111	60	of	of	ADP
fsr-3456	111	61	accumulating	accumulate	VERB
fsr-3456	111	62	wealth	wealth	NOUN
fsr-3456	111	63	and	and	CCONJ
fsr-3456	111	64	managing	manage	VERB
fsr-3456	111	65	wealth	wealth	NOUN
fsr-3456	111	66	effectively	effectively	ADV
fsr-3456	111	67	(	(	PUNCT
fsr-3456	111	68	hilgert	hilgert	PROPN
fsr-3456	111	69	,	,	PUNCT
fsr-3456	111	70	hogarth	hogarth	NOUN
fsr-3456	111	71	,	,	PUNCT
fsr-3456	111	72	&	&	CCONJ
fsr-3456	111	73	beverly	beverly	PROPN
fsr-3456	111	74	,	,	PUNCT
fsr-3456	111	75	2003	2003	NUM
fsr-3456	111	76	;	;	PUNCT
fsr-3456	111	77	stango	stango	PROPN
fsr-3456	111	78	&	&	CCONJ
fsr-3456	111	79	zinman	zinman	PROPN
fsr-3456	111	80	,	,	PUNCT
fsr-3456	111	81	2007	2007	NUM
fsr-3456	111	82	)	)	PUNCT
fsr-3456	111	83	and	and	CCONJ
fsr-3456	111	84	lower	low	ADJ
fsr-3456	111	85	likelihood	likelihood	NOUN
fsr-3456	111	86	of	of	ADP
fsr-3456	111	87	planning	plan	VERB
fsr-3456	111	88	for	for	ADP
fsr-3456	111	89	retirement	retirement	NOUN
fsr-3456	111	90	(	(	PUNCT
fsr-3456	111	91	bongini	bongini	PROPN
fsr-3456	111	92	&	&	CCONJ
fsr-3456	111	93	cucinelli	cucinelli	PROPN
fsr-3456	111	94	,	,	PUNCT
fsr-3456	111	95	2019	2019	NUM
fsr-3456	111	96	;	;	PUNCT
fsr-3456	111	97	lusardi	lusardi	PROPN
fsr-3456	111	98	&	&	CCONJ
fsr-3456	111	99	mitchell	mitchell	PROPN
fsr-3456	111	100	,	,	PUNCT
fsr-3456	111	101	2006	2006	NUM
fsr-3456	111	102	,	,	PUNCT
fsr-3456	111	103	2007	2007	NUM
fsr-3456	111	104	,	,	PUNCT
fsr-3456	111	105	2009	2009	NUM
fsr-3456	111	106	)	)	PUNCT
fsr-3456	111	107	.	.	PUNCT
fsr-3456	112	1	more	more	ADV
fsr-3456	112	2	recent	recent	ADJ
fsr-3456	112	3	studies	study	NOUN
fsr-3456	112	4	in	in	ADP
fsr-3456	112	5	the	the	DET
fsr-3456	112	6	united	united	PROPN
fsr-3456	112	7	states	states	PROPN
fsr-3456	112	8	continue	continue	VERB
fsr-3456	112	9	to	to	PART
fsr-3456	112	10	show	show	VERB
fsr-3456	112	11	alarmingly	alarmingly	ADV
fsr-3456	112	12	low	low	ADJ
fsr-3456	112	13	levels	level	NOUN
fsr-3456	112	14	of	of	ADP
fsr-3456	112	15	financial	financial	ADJ
fsr-3456	112	16	literacy	literacy	NOUN
fsr-3456	112	17	among	among	ADP
fsr-3456	112	18	undergraduate	undergraduate	ADJ
fsr-3456	112	19	students	student	NOUN
fsr-3456	112	20	with	with	ADP
fsr-3456	112	21	artavanisa	artavanisa	NOUN
fsr-3456	112	22	and	and	CCONJ
fsr-3456	112	23	karra	karra	NOUN
fsr-3456	112	24	(	(	PUNCT
fsr-3456	112	25	2020	2020	NUM
fsr-3456	112	26	)	)	PUNCT
fsr-3456	112	27	finding	find	VERB
fsr-3456	112	28	a	a	DET
fsr-3456	112	29	literacy	literacy	NOUN
fsr-3456	112	30	rate	rate	NOUN
fsr-3456	112	31	of	of	ADP
fsr-3456	112	32	39.5	39.5	NUM
fsr-3456	112	33	%	%	NOUN
fsr-3456	112	34	in	in	ADP
fsr-3456	112	35	addition	addition	NOUN
fsr-3456	112	36	to	to	ADP
fsr-3456	112	37	a	a	DET
fsr-3456	112	38	large	large	ADJ
fsr-3456	112	39	gender	gender	NOUN
fsr-3456	112	40	gap	gap	NOUN
fsr-3456	112	41	with	with	ADP
fsr-3456	112	42	female	female	ADJ
fsr-3456	112	43	students	student	NOUN
fsr-3456	112	44	exhibiting	exhibit	VERB
fsr-3456	112	45	considerably	considerably	ADV
fsr-3456	112	46	lower	low	ADJ
fsr-3456	112	47	literacy	literacy	NOUN
fsr-3456	112	48	rates	rate	NOUN
fsr-3456	112	49	(	(	PUNCT
fsr-3456	112	50	26	26	NUM
fsr-3456	112	51	%	%	NOUN
fsr-3456	112	52	)	)	PUNCT
fsr-3456	112	53	than	than	ADP
fsr-3456	112	54	their	their	PRON
fsr-3456	112	55	male	male	ADJ
fsr-3456	112	56	peers	peer	NOUN
fsr-3456	112	57	(	(	PUNCT
fsr-3456	112	58	56	56	NUM
fsr-3456	112	59	%	%	NOUN
fsr-3456	112	60	)	)	PUNCT
fsr-3456	112	61	.	.	PUNCT
fsr-3456	113	1	compared	compare	VERB
fsr-3456	113	2	with	with	ADP
fsr-3456	113	3	earlier	early	ADJ
fsr-3456	113	4	studies	study	NOUN
fsr-3456	113	5	in	in	ADP
fsr-3456	113	6	the	the	DET
fsr-3456	113	7	united	united	PROPN
fsr-3456	113	8	states	states	PROPN
fsr-3456	113	9	,	,	PUNCT
fsr-3456	113	10	such	such	ADJ
fsr-3456	113	11	as	as	ADP
fsr-3456	113	12	chen	chen	PROPN
fsr-3456	113	13	and	and	CCONJ
fsr-3456	113	14	volpe	volpe	PROPN
fsr-3456	113	15	(	(	PUNCT
fsr-3456	113	16	1998	1998	NUM
fsr-3456	113	17	)	)	PUNCT
fsr-3456	113	18	,	,	PUNCT
fsr-3456	113	19	it	it	PRON
fsr-3456	113	20	seems	seem	VERB
fsr-3456	113	21	that	that	SCONJ
fsr-3456	113	22	financial	financial	ADJ
fsr-3456	113	23	literacy	literacy	NOUN
fsr-3456	113	24	has	have	AUX
fsr-3456	113	25	not	not	PART
fsr-3456	113	26	improved	improve	VERB
fsr-3456	113	27	and	and	CCONJ
fsr-3456	113	28	continues	continue	VERB
fsr-3456	113	29	to	to	PART
fsr-3456	113	30	limit	limit	VERB
fsr-3456	113	31	the	the	DET
fsr-3456	113	32	ability	ability	NOUN
fsr-3456	113	33	of	of	ADP
fsr-3456	113	34	students	student	NOUN
fsr-3456	113	35	to	to	PART
fsr-3456	113	36	manage	manage	VERB
fsr-3456	113	37	their	their	PRON
fsr-3456	113	38	finances	finance	NOUN
fsr-3456	113	39	and	and	CCONJ
fsr-3456	113	40	make	make	VERB
fsr-3456	113	41	informed	informed	ADJ
fsr-3456	113	42	decisions	decision	NOUN
fsr-3456	113	43	.	.	PUNCT
fsr-3456	114	1	overall	overall	ADV
fsr-3456	114	2	,	,	PUNCT
fsr-3456	114	3	the	the	DET
fsr-3456	114	4	combined	combined	ADJ
fsr-3456	114	5	lack	lack	NOUN
fsr-3456	114	6	of	of	ADP
fsr-3456	114	7	financial	financial	ADJ
fsr-3456	114	8	knowledge	knowledge	NOUN
fsr-3456	114	9	and	and	CCONJ
fsr-3456	114	10	limited	limited	ADJ
fsr-3456	114	11	availability	availability	NOUN
fsr-3456	114	12	of	of	ADP
fsr-3456	114	13	financial	financial	ADJ
fsr-3456	114	14	resources	resource	NOUN
fsr-3456	114	15	for	for	ADP
fsr-3456	114	16	tertiary	tertiary	ADJ
fsr-3456	114	17	students	student	NOUN
fsr-3456	114	18	may	may	AUX
fsr-3456	114	19	contribute	contribute	VERB
fsr-3456	114	20	to	to	ADP
fsr-3456	114	21	lower	low	ADJ
fsr-3456	114	22	levels	level	NOUN
fsr-3456	114	23	of	of	ADP
fsr-3456	114	24	self	self	NOUN
fsr-3456	114	25	-	-	PUNCT
fsr-3456	114	26	reported	report	VERB
fsr-3456	114	27	financial	financial	ADJ
fsr-3456	114	28	wellbeing	wellbeing	NOUN
fsr-3456	114	29	.	.	PUNCT
fsr-3456	115	1	students	student	NOUN
fsr-3456	115	2	with	with	ADP
fsr-3456	115	3	lower	low	ADJ
fsr-3456	115	4	levels	level	NOUN
fsr-3456	115	5	of	of	ADP
fsr-3456	115	6	financial	financial	ADJ
fsr-3456	115	7	literacy	literacy	NOUN
fsr-3456	115	8	are	be	AUX
fsr-3456	115	9	more	more	ADV
fsr-3456	115	10	likely	likely	ADJ
fsr-3456	115	11	to	to	PART
fsr-3456	115	12	mismanage	mismanage	VERB
fsr-3456	115	13	their	their	PRON
fsr-3456	115	14	finances	finance	NOUN
fsr-3456	115	15	now	now	ADV
fsr-3456	115	16	and	and	CCONJ
fsr-3456	115	17	,	,	PUNCT
fsr-3456	115	18	in	in	ADP
fsr-3456	115	19	the	the	DET
fsr-3456	115	20	future	future	NOUN
fsr-3456	115	21	,	,	PUNCT
fsr-3456	115	22	contributing	contribute	VERB
fsr-3456	115	23	to	to	ADP
fsr-3456	115	24	poor	poor	ADJ
fsr-3456	115	25	financial	financial	ADJ
fsr-3456	115	26	behaviors	behavior	NOUN
fsr-3456	115	27	that	that	PRON
fsr-3456	115	28	are	be	AUX
fsr-3456	115	29	prevalent	prevalent	ADJ
fsr-3456	115	30	in	in	ADP
fsr-3456	115	31	today	today	NOUN
fsr-3456	115	32	’s	’s	PART
fsr-3456	115	33	society	society	NOUN
fsr-3456	115	34	(	(	PUNCT
fsr-3456	115	35	jorgensen	jorgensen	PROPN
fsr-3456	115	36	,	,	PUNCT
fsr-3456	115	37	2007	2007	NUM
fsr-3456	115	38	)	)	PUNCT
fsr-3456	115	39	.	.	PUNCT
fsr-3456	116	1	this	this	PRON
fsr-3456	116	2	is	be	AUX
fsr-3456	116	3	further	far	ADV
fsr-3456	116	4	supported	support	VERB
fsr-3456	116	5	by	by	ADP
fsr-3456	116	6	philippas	philippa	NOUN
fsr-3456	116	7	and	and	CCONJ
fsr-3456	116	8	avdoulas	avdoula	NOUN
fsr-3456	116	9	(	(	PUNCT
fsr-3456	116	10	2020	2020	NUM
fsr-3456	116	11	)	)	PUNCT
fsr-3456	116	12	who	who	PRON
fsr-3456	116	13	found	find	VERB
fsr-3456	116	14	that	that	PRON
fsr-3456	116	15	financially	financially	ADV
fsr-3456	116	16	literate	literate	ADJ
fsr-3456	116	17	students	student	NOUN
fsr-3456	116	18	have	have	VERB
fsr-3456	116	19	a	a	DET
fsr-3456	116	20	1.8	1.8	NUM
fsr-3456	116	21	times	time	NOUN
fsr-3456	116	22	higher	high	ADJ
fsr-3456	116	23	possibility	possibility	NOUN
fsr-3456	116	24	of	of	ADP
fsr-3456	116	25	having	have	VERB
fsr-3456	116	26	higher	high	ADJ
fsr-3456	116	27	levels	level	NOUN
fsr-3456	116	28	of	of	ADP
fsr-3456	116	29	financial	financial	ADJ
fsr-3456	116	30	well	well	NOUN
fsr-3456	116	31	-	-	PUNCT
fsr-3456	116	32	being	being	NOUN
fsr-3456	116	33	than	than	ADP
fsr-3456	116	34	financially	financially	ADV
fsr-3456	116	35	illiterate	illiterate	ADJ
fsr-3456	116	36	students	student	NOUN
fsr-3456	116	37	.	.	PUNCT
fsr-3456	117	1	they	they	PRON
fsr-3456	117	2	also	also	ADV
fsr-3456	117	3	found	find	VERB
fsr-3456	117	4	that	that	SCONJ
fsr-3456	117	5	the	the	DET
fsr-3456	117	6	financial	financial	ADJ
fsr-3456	117	7	fragility	fragility	NOUN
fsr-3456	117	8	of	of	ADP
fsr-3456	117	9	students	student	NOUN
fsr-3456	117	10	had	have	VERB
fsr-3456	117	11	a	a	DET
fsr-3456	117	12	significant	significant	ADJ
fsr-3456	117	13	impact	impact	NOUN
fsr-3456	117	14	on	on	ADP
fsr-3456	117	15	financial	financial	ADJ
fsr-3456	117	16	wellbeing	wellbeing	NOUN
fsr-3456	117	17	with	with	ADP
fsr-3456	117	18	no	no	DET
fsr-3456	117	19	financially	financially	ADV
fsr-3456	117	20	fragile	fragile	ADJ
fsr-3456	117	21	students	student	NOUN
fsr-3456	117	22	showing	show	VERB
fsr-3456	117	23	higher	high	ADJ
fsr-3456	117	24	levels	level	NOUN
fsr-3456	117	25	of	of	ADP
fsr-3456	117	26	financial	financial	ADJ
fsr-3456	117	27	well	well	NOUN
fsr-3456	117	28	-	-	PUNCT
fsr-3456	117	29	being	being	NOUN
fsr-3456	117	30	.	.	PUNCT
fsr-3456	118	1	this	this	DET
fsr-3456	118	2	study	study	NOUN
fsr-3456	118	3	contributes	contribute	VERB
fsr-3456	118	4	to	to	ADP
fsr-3456	118	5	the	the	DET
fsr-3456	118	6	literature	literature	NOUN
fsr-3456	118	7	by	by	ADP
fsr-3456	118	8	applying	apply	VERB
fsr-3456	118	9	the	the	DET
fsr-3456	118	10	financial	financial	ADJ
fsr-3456	118	11	wellbeing	wellbee	VERB
fsr-3456	118	12	framework	framework	NOUN
fsr-3456	118	13	of	of	ADP
fsr-3456	118	14	netemeyer	netemeyer	PROPN
fsr-3456	118	15	et	et	PROPN
fsr-3456	118	16	al	al	PROPN
fsr-3456	118	17	.	.	PROPN
fsr-3456	119	1	(	(	PUNCT
fsr-3456	119	2	2018	2018	NUM
fsr-3456	119	3	)	)	PUNCT
fsr-3456	119	4	to	to	ADP
fsr-3456	119	5	the	the	DET
fsr-3456	119	6	australian	australian	ADJ
fsr-3456	119	7	university	university	NOUN
fsr-3456	119	8	student	student	NOUN
fsr-3456	119	9	context	context	NOUN
fsr-3456	119	10	.	.	PUNCT
fsr-3456	120	1	as	as	ADP
fsr-3456	120	2	the	the	DET
fsr-3456	120	3	literature	literature	NOUN
fsr-3456	120	4	highlights	highlight	NOUN
fsr-3456	120	5	,	,	PUNCT
fsr-3456	120	6	this	this	DET
fsr-3456	120	7	cohort	cohort	NOUN
fsr-3456	120	8	has	have	VERB
fsr-3456	120	9	particular	particular	ADJ
fsr-3456	120	10	financial	financial	ADJ
fsr-3456	120	11	challenges	challenge	NOUN
fsr-3456	120	12	and	and	CCONJ
fsr-3456	120	13	are	be	AUX
fsr-3456	120	14	actively	actively	ADV
fsr-3456	120	15	making	make	VERB
fsr-3456	120	16	decisions	decision	NOUN
fsr-3456	120	17	that	that	PRON
fsr-3456	120	18	affect	affect	VERB
fsr-3456	120	19	financial	financial	ADJ
fsr-3456	120	20	futures	future	NOUN
fsr-3456	120	21	.	.	PUNCT
fsr-3456	121	1	accordingly	accordingly	ADV
fsr-3456	121	2	,	,	PUNCT
fsr-3456	121	3	we	we	PRON
fsr-3456	121	4	hypothesize	hypothesize	VERB
fsr-3456	121	5	that	that	SCONJ
fsr-3456	121	6	expectations	expectation	NOUN
fsr-3456	121	7	of	of	ADP
fsr-3456	121	8	the	the	DET
fsr-3456	121	9	future	future	NOUN
fsr-3456	121	10	play	play	VERB
fsr-3456	121	11	a	a	DET
fsr-3456	121	12	more	more	ADV
fsr-3456	121	13	significant	significant	ADJ
fsr-3456	121	14	role	role	NOUN
fsr-3456	121	15	in	in	ADP
fsr-3456	121	16	financial	financial	ADJ
fsr-3456	121	17	wellbeing	wellbee	VERB
fsr-3456	121	18	outcomes	outcome	NOUN
fsr-3456	121	19	than	than	ADP
fsr-3456	121	20	current	current	ADJ
fsr-3456	121	21	financial	financial	ADJ
fsr-3456	121	22	stress	stress	NOUN
fsr-3456	121	23	,	,	PUNCT
fsr-3456	121	24	as	as	SCONJ
fsr-3456	121	25	students	student	NOUN
fsr-3456	121	26	are	be	AUX
fsr-3456	121	27	likely	likely	ADJ
fsr-3456	121	28	to	to	PART
fsr-3456	121	29	see	see	VERB
fsr-3456	121	30	their	their	PRON
fsr-3456	121	31	current	current	ADJ
fsr-3456	121	32	situation	situation	NOUN
fsr-3456	121	33	as	as	ADP
fsr-3456	121	34	temporary	temporary	ADJ
fsr-3456	121	35	.	.	PUNCT
fsr-3456	122	1	thus	thus	ADV
fsr-3456	122	2	,	,	PUNCT
fsr-3456	122	3	the	the	DET
fsr-3456	122	4	financial	financial	ADJ
fsr-3456	122	5	wellbeing	wellbee	VERB
fsr-3456	122	6	model	model	NOUN
fsr-3456	122	7	may	may	AUX
fsr-3456	122	8	have	have	VERB
fsr-3456	122	9	different	different	ADJ
fsr-3456	122	10	outcomes	outcome	NOUN
fsr-3456	122	11	when	when	SCONJ
fsr-3456	122	12	applied	apply	VERB
fsr-3456	122	13	to	to	ADP
fsr-3456	122	14	university	university	NOUN
fsr-3456	122	15	students	student	NOUN
fsr-3456	122	16	than	than	ADP
fsr-3456	122	17	the	the	DET
fsr-3456	122	18	general	general	ADJ
fsr-3456	122	19	population	population	NOUN
fsr-3456	122	20	.	.	PUNCT
fsr-3456	123	1	we	we	PRON
fsr-3456	123	2	also	also	ADV
fsr-3456	123	3	consider	consider	VERB
fsr-3456	123	4	gender	gender	NOUN
fsr-3456	123	5	differences	difference	NOUN
fsr-3456	123	6	in	in	ADP
fsr-3456	123	7	financial	financial	ADJ
fsr-3456	123	8	literacy	literacy	NOUN
fsr-3456	123	9	and	and	CCONJ
fsr-3456	123	10	how	how	SCONJ
fsr-3456	123	11	this	this	DET
fsr-3456	123	12	impacts	impact	VERB
fsr-3456	123	13	192	192	NUM
fsr-3456	123	14	t.	t.	NOUN
fsr-3456	123	15	west	west	PROPN
fsr-3456	123	16	et	et	PROPN
fsr-3456	123	17	al	al	PROPN
fsr-3456	123	18	.	.	PUNCT
fsr-3456	123	19	/	/	SYM
fsr-3456	123	20	financial	financial	ADJ
fsr-3456	123	21	services	service	NOUN
fsr-3456	123	22	review	review	VERB
fsr-3456	123	23	29	29	NUM
fsr-3456	123	24	(	(	PUNCT
fsr-3456	123	25	2021	2021	NUM
fsr-3456	123	26	)	)	PUNCT
fsr-3456	123	27	187–207	187–207	NUM
fsr-3456	123	28	financial	financial	ADJ
fsr-3456	123	29	wellbeing	wellbeing	NOUN
fsr-3456	123	30	.	.	PUNCT
fsr-3456	124	1	this	this	DET
fsr-3456	124	2	study	study	NOUN
fsr-3456	124	3	addresses	address	VERB
fsr-3456	124	4	these	these	DET
fsr-3456	124	5	gaps	gap	NOUN
fsr-3456	124	6	in	in	ADP
fsr-3456	124	7	the	the	DET
fsr-3456	124	8	literature	literature	NOUN
fsr-3456	124	9	and	and	CCONJ
fsr-3456	124	10	provides	provide	VERB
fsr-3456	124	11	practitioners	practitioner	NOUN
fsr-3456	124	12	and	and	CCONJ
fsr-3456	124	13	educators	educator	NOUN
fsr-3456	124	14	with	with	ADP
fsr-3456	124	15	an	an	DET
fsr-3456	124	16	understanding	understanding	NOUN
fsr-3456	124	17	of	of	ADP
fsr-3456	124	18	where	where	SCONJ
fsr-3456	124	19	interventions	intervention	NOUN
fsr-3456	124	20	are	be	AUX
fsr-3456	124	21	best	well	ADV
fsr-3456	124	22	targeted	target	VERB
fsr-3456	124	23	.	.	PUNCT
fsr-3456	125	1	3	3	X
fsr-3456	125	2	.	.	X
fsr-3456	125	3	data	datum	NOUN
fsr-3456	125	4	and	and	CCONJ
fsr-3456	125	5	methodology	methodology	NOUN
fsr-3456	125	6	this	this	DET
fsr-3456	125	7	study	study	NOUN
fsr-3456	125	8	applies	apply	VERB
fsr-3456	125	9	the	the	DET
fsr-3456	125	10	novel	novel	ADJ
fsr-3456	125	11	financial	financial	ADJ
fsr-3456	125	12	wellbeing	wellbee	VERB
fsr-3456	125	13	framework	framework	NOUN
fsr-3456	125	14	as	as	SCONJ
fsr-3456	125	15	adopted	adopt	VERB
fsr-3456	125	16	from	from	ADP
fsr-3456	125	17	netemeyer	netemeyer	PROPN
fsr-3456	125	18	et	et	PROPN
fsr-3456	125	19	al	al	PROPN
fsr-3456	125	20	.	.	PROPN
fsr-3456	126	1	(	(	PUNCT
fsr-3456	126	2	2018	2018	NUM
fsr-3456	126	3	)	)	PUNCT
fsr-3456	127	1	to	to	PART
fsr-3456	127	2	investigate	investigate	VERB
fsr-3456	127	3	the	the	DET
fsr-3456	127	4	role	role	NOUN
fsr-3456	127	5	of	of	ADP
fsr-3456	127	6	financial	financial	ADJ
fsr-3456	127	7	literacy	literacy	NOUN
fsr-3456	127	8	in	in	ADP
fsr-3456	127	9	improving	improve	VERB
fsr-3456	127	10	financial	financial	ADJ
fsr-3456	127	11	wellbeing	wellbee	VERB
fsr-3456	127	12	outcomes	outcome	NOUN
fsr-3456	128	1	.	.	PUNCT
fsr-3456	129	1	data	datum	NOUN
fsr-3456	129	2	for	for	ADP
fsr-3456	129	3	this	this	DET
fsr-3456	129	4	study	study	NOUN
fsr-3456	129	5	was	be	AUX
fsr-3456	129	6	obtained	obtain	VERB
fsr-3456	129	7	from	from	ADP
fsr-3456	129	8	a	a	DET
fsr-3456	129	9	survey	survey	NOUN
fsr-3456	129	10	of	of	ADP
fsr-3456	129	11	students	student	NOUN
fsr-3456	129	12	from	from	ADP
fsr-3456	129	13	an	an	DET
fsr-3456	129	14	australian	australian	ADJ
fsr-3456	129	15	university	university	NOUN
fsr-3456	129	16	in	in	ADP
fsr-3456	129	17	2019	2019	NUM
fsr-3456	129	18	,	,	PUNCT
fsr-3456	129	19	ethics	ethic	NOUN
fsr-3456	129	20	approval	approval	NOUN
fsr-3456	129	21	(	(	PUNCT
fsr-3456	129	22	2019/160	2019/160	NOUN
fsr-3456	129	23	)	)	PUNCT
fsr-3456	129	24	.	.	PUNCT
fsr-3456	130	1	a	a	DET
fsr-3456	130	2	monetary	monetary	ADJ
fsr-3456	130	3	incentive	incentive	NOUN
fsr-3456	130	4	by	by	ADP
fsr-3456	130	5	way	way	NOUN
fsr-3456	130	6	of	of	ADP
fsr-3456	130	7	a	a	DET
fsr-3456	130	8	prize	prize	NOUN
fsr-3456	130	9	draw	draw	NOUN
fsr-3456	130	10	was	be	AUX
fsr-3456	130	11	provided	provide	VERB
fsr-3456	130	12	to	to	PART
fsr-3456	130	13	improve	improve	VERB
fsr-3456	130	14	response	response	NOUN
fsr-3456	130	15	rates	rate	NOUN
fsr-3456	130	16	(	(	PUNCT
fsr-3456	130	17	yu	yu	PROPN
fsr-3456	130	18	et	et	PROPN
fsr-3456	130	19	al	al	PROPN
fsr-3456	130	20	.	.	PROPN
fsr-3456	130	21	,	,	PUNCT
fsr-3456	130	22	2017	2017	NUM
fsr-3456	130	23	)	)	PUNCT
fsr-3456	130	24	;	;	PUNCT
fsr-3456	130	25	420	420	NUM
fsr-3456	130	26	students	student	NOUN
fsr-3456	130	27	responded	respond	VERB
fsr-3456	130	28	to	to	ADP
fsr-3456	130	29	the	the	DET
fsr-3456	130	30	survey	survey	NOUN
fsr-3456	130	31	,	,	PUNCT
fsr-3456	130	32	providing	provide	VERB
fsr-3456	130	33	a	a	DET
fsr-3456	130	34	good	good	ADJ
fsr-3456	130	35	sample	sample	NOUN
fsr-3456	130	36	size	size	NOUN
fsr-3456	130	37	.	.	PUNCT
fsr-3456	131	1	however	however	ADV
fsr-3456	131	2	,	,	PUNCT
fsr-3456	131	3	it	it	PRON
fsr-3456	131	4	was	be	AUX
fsr-3456	131	5	only	only	ADV
fsr-3456	131	6	0.9	0.9	NUM
fsr-3456	131	7	%	%	NOUN
fsr-3456	131	8	of	of	ADP
fsr-3456	131	9	the	the	DET
fsr-3456	131	10	total	total	ADJ
fsr-3456	131	11	number	number	NOUN
fsr-3456	131	12	of	of	ADP
fsr-3456	131	13	students	student	NOUN
fsr-3456	131	14	enrolled	enrol	VERB
fsr-3456	131	15	at	at	ADP
fsr-3456	131	16	the	the	DET
fsr-3456	131	17	university	university	NOUN
fsr-3456	131	18	,	,	PUNCT
fsr-3456	131	19	even	even	ADV
fsr-3456	131	20	though	though	SCONJ
fsr-3456	131	21	all	all	DET
fsr-3456	131	22	students	student	NOUN
fsr-3456	131	23	were	be	AUX
fsr-3456	131	24	invited	invite	VERB
fsr-3456	131	25	to	to	PART
fsr-3456	131	26	participate	participate	VERB
fsr-3456	131	27	via	via	ADP
fsr-3456	131	28	a	a	DET
fsr-3456	131	29	broadcast	broadcast	NOUN
fsr-3456	131	30	email	email	NOUN
fsr-3456	131	31	.	.	PUNCT
fsr-3456	132	1	when	when	SCONJ
fsr-3456	132	2	interpreting	interpreting	NOUN
fsr-3456	132	3	results	result	NOUN
fsr-3456	132	4	,	,	PUNCT
fsr-3456	132	5	the	the	DET
fsr-3456	132	6	relatively	relatively	ADV
fsr-3456	132	7	small	small	ADJ
fsr-3456	132	8	sample	sample	NOUN
fsr-3456	132	9	size	size	NOUN
fsr-3456	132	10	and	and	CCONJ
fsr-3456	132	11	distribution	distribution	NOUN
fsr-3456	132	12	of	of	ADP
fsr-3456	132	13	the	the	DET
fsr-3456	132	14	characteristics	characteristic	NOUN
fsr-3456	132	15	may	may	AUX
fsr-3456	132	16	not	not	PART
fsr-3456	132	17	be	be	AUX
fsr-3456	132	18	representative	representative	ADJ
fsr-3456	132	19	of	of	ADP
fsr-3456	132	20	the	the	DET
fsr-3456	132	21	larger	large	ADJ
fsr-3456	132	22	tertiary	tertiary	ADJ
fsr-3456	132	23	student	student	NOUN
fsr-3456	132	24	cohort	cohort	NOUN
fsr-3456	132	25	.	.	PUNCT
fsr-3456	133	1	for	for	ADP
fsr-3456	133	2	example	example	NOUN
fsr-3456	133	3	,	,	PUNCT
fsr-3456	133	4	63	63	NUM
fsr-3456	133	5	%	%	NOUN
fsr-3456	133	6	of	of	ADP
fsr-3456	133	7	respondents	respondent	NOUN
fsr-3456	133	8	were	be	AUX
fsr-3456	133	9	female	female	ADJ
fsr-3456	133	10	,	,	PUNCT
fsr-3456	133	11	while	while	SCONJ
fsr-3456	133	12	around	around	ADV
fsr-3456	133	13	58	58	NUM
fsr-3456	133	14	%	%	NOUN
fsr-3456	133	15	of	of	ADP
fsr-3456	133	16	university	university	NOUN
fsr-3456	133	17	students	student	NOUN
fsr-3456	133	18	at	at	ADP
fsr-3456	133	19	this	this	DET
fsr-3456	133	20	institution	institution	NOUN
fsr-3456	133	21	were	be	AUX
fsr-3456	133	22	female	female	ADJ
fsr-3456	133	23	.	.	PUNCT
fsr-3456	134	1	further	far	ADV
fsr-3456	134	2	,	,	PUNCT
fsr-3456	134	3	the	the	DET
fsr-3456	134	4	average	average	ADJ
fsr-3456	134	5	respondent	respondent	NOUN
fsr-3456	134	6	is	be	AUX
fsr-3456	134	7	aged	age	VERB
fsr-3456	134	8	23	23	NUM
fsr-3456	134	9	years	year	NOUN
fsr-3456	134	10	or	or	CCONJ
fsr-3456	134	11	younger	young	ADJ
fsr-3456	134	12	.	.	PUNCT
fsr-3456	135	1	this	this	PRON
fsr-3456	135	2	presents	present	VERB
fsr-3456	135	3	implications	implication	NOUN
fsr-3456	135	4	for	for	ADP
fsr-3456	135	5	interpretation	interpretation	NOUN
fsr-3456	135	6	and	and	CCONJ
fsr-3456	135	7	generalization	generalization	NOUN
fsr-3456	135	8	of	of	ADP
fsr-3456	135	9	results	result	NOUN
fsr-3456	135	10	,	,	PUNCT
fsr-3456	135	11	as	as	SCONJ
fsr-3456	135	12	it	it	PRON
fsr-3456	135	13	may	may	AUX
fsr-3456	135	14	be	be	AUX
fsr-3456	135	15	that	that	SCONJ
fsr-3456	135	16	financial	financial	ADJ
fsr-3456	135	17	knowledge	knowledge	NOUN
fsr-3456	135	18	is	be	AUX
fsr-3456	135	19	not	not	PART
fsr-3456	135	20	well	well	ADV
fsr-3456	135	21	developed	develop	VERB
fsr-3456	135	22	in	in	ADP
fsr-3456	135	23	young	young	ADJ
fsr-3456	135	24	adults	adult	NOUN
fsr-3456	135	25	and	and	CCONJ
fsr-3456	135	26	difficult	difficult	ADJ
fsr-3456	135	27	to	to	PART
fsr-3456	135	28	detect	detect	VERB
fsr-3456	135	29	and	and	CCONJ
fsr-3456	135	30	measure	measure	VERB
fsr-3456	135	31	accurately	accurately	ADV
fsr-3456	135	32	.	.	PUNCT
fsr-3456	136	1	table	table	NOUN
fsr-3456	136	2	1	1	NUM
fsr-3456	136	3	provides	provide	VERB
fsr-3456	136	4	further	further	ADJ
fsr-3456	136	5	descriptive	descriptive	ADJ
fsr-3456	136	6	statistics	statistic	NOUN
fsr-3456	136	7	of	of	ADP
fsr-3456	136	8	the	the	DET
fsr-3456	136	9	sample	sample	NOUN
fsr-3456	136	10	.	.	PUNCT
fsr-3456	137	1	the	the	DET
fsr-3456	137	2	average	average	ADJ
fsr-3456	137	3	respondent	respondent	NOUN
fsr-3456	137	4	is	be	AUX
fsr-3456	137	5	female	female	ADJ
fsr-3456	137	6	,	,	PUNCT
fsr-3456	137	7	aged	aged	ADJ
fsr-3456	137	8	23	23	NUM
fsr-3456	137	9	or	or	CCONJ
fsr-3456	137	10	younger	young	ADJ
fsr-3456	137	11	,	,	PUNCT
fsr-3456	137	12	earns	earn	VERB
fsr-3456	137	13	under	under	ADP
fsr-3456	137	14	$	$	SYM
fsr-3456	137	15	20,000	20,000	NUM
fsr-3456	137	16	a	a	DET
fsr-3456	137	17	year	year	NOUN
fsr-3456	137	18	,	,	PUNCT
fsr-3456	137	19	and	and	CCONJ
fsr-3456	137	20	is	be	AUX
fsr-3456	137	21	studying	study	VERB
fsr-3456	137	22	a	a	DET
fsr-3456	137	23	subdegree	subdegree	ADJ
fsr-3456	137	24	qualification	qualification	NOUN
fsr-3456	137	25	like	like	ADP
fsr-3456	137	26	a	a	DET
fsr-3456	137	27	diploma	diploma	NOUN
fsr-3456	137	28	,	,	PUNCT
fsr-3456	137	29	advanced	advanced	ADJ
fsr-3456	137	30	diploma	diploma	NOUN
fsr-3456	137	31	,	,	PUNCT
fsr-3456	137	32	or	or	CCONJ
fsr-3456	137	33	associate	associate	ADJ
fsr-3456	137	34	degree	degree	NOUN
fsr-3456	137	35	.	.	PUNCT
fsr-3456	138	1	a	a	DET
fsr-3456	138	2	fundamental	fundamental	ADJ
fsr-3456	138	3	aspect	aspect	NOUN
fsr-3456	138	4	of	of	ADP
fsr-3456	138	5	financial	financial	ADJ
fsr-3456	138	6	wellbeing	wellbeing	NOUN
fsr-3456	138	7	is	be	AUX
fsr-3456	138	8	the	the	DET
fsr-3456	138	9	overall	overall	ADJ
fsr-3456	138	10	financial	financial	ADJ
fsr-3456	138	11	profile	profile	NOUN
fsr-3456	138	12	of	of	ADP
fsr-3456	138	13	a	a	DET
fsr-3456	138	14	person	person	NOUN
fsr-3456	138	15	or	or	CCONJ
fsr-3456	138	16	household	household	NOUN
fsr-3456	138	17	.	.	PUNCT
fsr-3456	139	1	however	however	ADV
fsr-3456	139	2	,	,	PUNCT
fsr-3456	139	3	two	two	NUM
fsr-3456	139	4	people	people	NOUN
fsr-3456	139	5	or	or	CCONJ
fsr-3456	139	6	two	two	NUM
fsr-3456	139	7	households	household	NOUN
fsr-3456	139	8	with	with	ADP
fsr-3456	139	9	the	the	DET
fsr-3456	139	10	same	same	ADJ
fsr-3456	139	11	financial	financial	ADJ
fsr-3456	139	12	situations	situation	NOUN
fsr-3456	139	13	might	might	AUX
fsr-3456	139	14	perceive	perceive	VERB
fsr-3456	139	15	their	their	PRON
fsr-3456	139	16	circumstances	circumstance	NOUN
fsr-3456	139	17	differently	differently	ADV
fsr-3456	139	18	.	.	PUNCT
fsr-3456	140	1	perceived	perceive	VERB
fsr-3456	140	2	financial	financial	ADJ
fsr-3456	140	3	wellbeing	wellbeing	NOUN
fsr-3456	140	4	,	,	PUNCT
fsr-3456	140	5	which	which	PRON
fsr-3456	140	6	consists	consist	VERB
fsr-3456	140	7	of	of	ADP
fsr-3456	140	8	stress	stress	NOUN
fsr-3456	140	9	related	relate	VERB
fsr-3456	140	10	to	to	ADP
fsr-3456	140	11	money	money	NOUN
fsr-3456	140	12	management	management	NOUN
fsr-3456	140	13	as	as	ADV
fsr-3456	140	14	well	well	ADV
fsr-3456	140	15	as	as	ADP
fsr-3456	140	16	feelings	feeling	NOUN
fsr-3456	140	17	of	of	ADP
fsr-3456	140	18	security	security	NOUN
fsr-3456	140	19	in	in	ADP
fsr-3456	140	20	one	one	NUM
fsr-3456	140	21	’s	’s	PART
fsr-3456	140	22	financial	financial	ADJ
fsr-3456	140	23	future	future	NOUN
fsr-3456	140	24	,	,	PUNCT
fsr-3456	140	25	in	in	ADP
fsr-3456	140	26	fact	fact	NOUN
fsr-3456	140	27	,	,	PUNCT
fsr-3456	140	28	maps	map	NOUN
fsr-3456	140	29	to	to	ADP
fsr-3456	140	30	financial	financial	ADJ
fsr-3456	140	31	wellbeing	wellbeing	NOUN
fsr-3456	140	32	,	,	PUNCT
fsr-3456	140	33	as	as	ADV
fsr-3456	140	34	well	well	ADV
fsr-3456	140	35	as	as	ADP
fsr-3456	140	36	to	to	ADP
fsr-3456	140	37	overall	overall	ADJ
fsr-3456	140	38	subjective	subjective	ADJ
fsr-3456	140	39	well	well	ADV
fsr-3456	140	40	-	-	PUNCT
fsr-3456	140	41	being	be	AUX
fsr-3456	140	42	(	(	PUNCT
fsr-3456	140	43	netemeyer	netemeyer	NOUN
fsr-3456	140	44	et	et	PROPN
fsr-3456	140	45	al	al	PROPN
fsr-3456	140	46	.	.	PROPN
fsr-3456	140	47	,	,	PUNCT
fsr-3456	140	48	2018	2018	NUM
fsr-3456	140	49	)	)	PUNCT
fsr-3456	140	50	.	.	PUNCT
fsr-3456	141	1	we	we	PRON
fsr-3456	141	2	apply	apply	VERB
fsr-3456	141	3	a	a	DET
fsr-3456	141	4	the	the	DET
fsr-3456	141	5	netemeyer	netemeyer	NOUN
fsr-3456	141	6	et	et	PROPN
fsr-3456	141	7	al	al	PROPN
fsr-3456	141	8	.	.	PROPN
fsr-3456	142	1	(	(	PUNCT
fsr-3456	142	2	2018	2018	NUM
fsr-3456	142	3	)	)	PUNCT
fsr-3456	142	4	financial	financial	ADJ
fsr-3456	142	5	wellbeing	wellbee	VERB
fsr-3456	142	6	framework	framework	NOUN
fsr-3456	142	7	(	(	PUNCT
fsr-3456	142	8	as	as	SCONJ
fsr-3456	142	9	described	describe	VERB
fsr-3456	142	10	in	in	ADP
fsr-3456	142	11	fig	fig	NOUN
fsr-3456	142	12	.	.	PUNCT
fsr-3456	143	1	1	1	NUM
fsr-3456	143	2	)	)	PUNCT
fsr-3456	143	3	,	,	PUNCT
fsr-3456	143	4	given	give	VERB
fsr-3456	143	5	by	by	ADP
fsr-3456	143	6	finsati	finsati	NOUN
fsr-3456	143	7	¼	¼	NOUN
fsr-3456	143	8	ai	ai	VERB
fsr-3456	143	9	þ	þ	PROPN
fsr-3456	143	10	b	b	PROPN
fsr-3456	143	11	1current	1current	NUM
fsr-3456	143	12	money	money	NOUN
fsr-3456	143	13	management	management	NOUN
fsr-3456	143	14	stress	stress	NOUN
fsr-3456	144	1	þ	þ	PROPN
fsr-3456	144	2	b	b	PROPN
fsr-3456	144	3	2future	2future	NUM
fsr-3456	144	4	expectationsþ	expectationsþ	VERB
fsr-3456	144	5	b	b	PROPN
fsr-3456	144	6	3control	3control	NUM
fsr-3456	144	7	þ	þ	PROPN
fsr-3456	144	8	b	b	PROPN
fsr-3456	144	9	4financial	4financial	ADJ
fsr-3456	144	10	literacyþmi	literacyþmi	NOUN
fsr-3456	144	11	where	where	SCONJ
fsr-3456	144	12	,	,	PUNCT
fsr-3456	144	13	current	current	ADJ
fsr-3456	144	14	money	money	NOUN
fsr-3456	144	15	management	management	NOUN
fsr-3456	144	16	stress	stress	NOUN
fsr-3456	144	17	is	be	AUX
fsr-3456	144	18	a	a	DET
fsr-3456	144	19	set	set	NOUN
fsr-3456	144	20	of	of	ADP
fsr-3456	144	21	variables	variable	NOUN
fsr-3456	144	22	used	use	VERB
fsr-3456	144	23	to	to	PART
fsr-3456	144	24	describe	describe	VERB
fsr-3456	144	25	students	student	NOUN
fsr-3456	144	26	’	'	PUNCT
fsr-3456	144	27	current	current	ADJ
fsr-3456	144	28	money	money	NOUN
fsr-3456	144	29	management	management	NOUN
fsr-3456	144	30	circumstances	circumstance	NOUN
fsr-3456	144	31	.	.	PUNCT
fsr-3456	145	1	the	the	DET
fsr-3456	145	2	framework	framework	NOUN
fsr-3456	145	3	by	by	ADP
fsr-3456	145	4	netemeyer	netemeyer	PROPN
fsr-3456	145	5	et	et	PROPN
fsr-3456	145	6	al	al	PROPN
fsr-3456	145	7	.	.	PROPN
fsr-3456	146	1	(	(	PUNCT
fsr-3456	146	2	2018	2018	NUM
fsr-3456	146	3	)	)	PUNCT
fsr-3456	146	4	suggests	suggest	VERB
fsr-3456	146	5	that	that	SCONJ
fsr-3456	146	6	being	be	AUX
fsr-3456	146	7	late	late	ADJ
fsr-3456	146	8	or	or	CCONJ
fsr-3456	146	9	making	make	VERB
fsr-3456	146	10	minimum	minimum	ADJ
fsr-3456	146	11	payments	payment	NOUN
fsr-3456	146	12	on	on	ADP
fsr-3456	146	13	bills	bill	NOUN
fsr-3456	146	14	and	and	CCONJ
fsr-3456	146	15	credit	credit	NOUN
fsr-3456	146	16	cards	card	NOUN
fsr-3456	146	17	,	,	PUNCT
fsr-3456	146	18	lack	lack	NOUN
fsr-3456	146	19	of	of	ADP
fsr-3456	146	20	self	self	NOUN
fsr-3456	146	21	-	-	PUNCT
fsr-3456	146	22	control	control	NOUN
fsr-3456	146	23	,	,	PUNCT
fsr-3456	146	24	materialism	materialism	NOUN
fsr-3456	146	25	,	,	PUNCT
fsr-3456	146	26	and	and	CCONJ
fsr-3456	146	27	perceived	perceive	VERB
fsr-3456	146	28	financial	financial	ADJ
fsr-3456	146	29	self	self	NOUN
fsr-3456	146	30	-	-	PUNCT
fsr-3456	146	31	efficacy	efficacy	NOUN
fsr-3456	146	32	are	be	AUX
fsr-3456	146	33	antecedents	antecedent	NOUN
fsr-3456	146	34	of	of	ADP
fsr-3456	146	35	current	current	ADJ
fsr-3456	146	36	money	money	NOUN
fsr-3456	146	37	management	management	NOUN
fsr-3456	146	38	stress	stress	NOUN
fsr-3456	146	39	.	.	PUNCT
fsr-3456	147	1	we	we	PRON
fsr-3456	147	2	explore	explore	VERB
fsr-3456	147	3	the	the	DET
fsr-3456	147	4	relevance	relevance	NOUN
fsr-3456	147	5	of	of	ADP
fsr-3456	147	6	a	a	DET
fsr-3456	147	7	variety	variety	NOUN
fsr-3456	147	8	of	of	ADP
fsr-3456	147	9	indicators	indicator	NOUN
fsr-3456	147	10	of	of	ADP
fsr-3456	147	11	current	current	ADJ
fsr-3456	147	12	money	money	NOUN
fsr-3456	147	13	management	management	NOUN
fsr-3456	147	14	stress	stress	NOUN
fsr-3456	147	15	offered	offer	VERB
fsr-3456	147	16	in	in	ADP
fsr-3456	147	17	the	the	DET
fsr-3456	147	18	survey	survey	NOUN
fsr-3456	147	19	,	,	PUNCT
fsr-3456	147	20	and	and	CCONJ
fsr-3456	147	21	narrow	narrow	VERB
fsr-3456	147	22	down	down	ADP
fsr-3456	147	23	variables	variable	NOUN
fsr-3456	147	24	for	for	ADP
fsr-3456	147	25	inclusion	inclusion	NOUN
fsr-3456	147	26	in	in	ADP
fsr-3456	147	27	the	the	DET
fsr-3456	147	28	regression	regression	NOUN
fsr-3456	147	29	through	through	ADP
fsr-3456	147	30	factor	factor	NOUN
fsr-3456	147	31	analysis	analysis	NOUN
fsr-3456	147	32	.	.	PUNCT
fsr-3456	148	1	we	we	PRON
fsr-3456	148	2	include	include	VERB
fsr-3456	148	3	the	the	DET
fsr-3456	148	4	variables	variable	NOUN
fsr-3456	148	5	in	in	ADP
fsr-3456	148	6	the	the	DET
fsr-3456	148	7	analysis	analysis	NOUN
fsr-3456	148	8	that	that	PRON
fsr-3456	148	9	are	be	AUX
fsr-3456	148	10	presented	present	VERB
fsr-3456	148	11	in	in	ADP
fsr-3456	148	12	table	table	NOUN
fsr-3456	148	13	2	2	NUM
fsr-3456	148	14	.	.	PUNCT
fsr-3456	148	15	t.	t.	PROPN
fsr-3456	148	16	west	west	PROPN
fsr-3456	148	17	et	et	PROPN
fsr-3456	148	18	al	al	PROPN
fsr-3456	148	19	.	.	PUNCT
fsr-3456	148	20	/	/	SYM
fsr-3456	148	21	financial	financial	ADJ
fsr-3456	148	22	services	service	NOUN
fsr-3456	148	23	review	review	VERB
fsr-3456	148	24	29	29	NUM
fsr-3456	148	25	(	(	PUNCT
fsr-3456	148	26	2021	2021	NUM
fsr-3456	148	27	)	)	PUNCT
fsr-3456	148	28	187–207	187–207	NUM
fsr-3456	148	29	193	193	NUM
fsr-3456	148	30	an	an	DET
fsr-3456	148	31	investigation	investigation	NOUN
fsr-3456	148	32	of	of	ADP
fsr-3456	148	33	the	the	DET
fsr-3456	148	34	descriptive	descriptive	ADJ
fsr-3456	148	35	statistics	statistic	NOUN
fsr-3456	148	36	shows	show	VERB
fsr-3456	148	37	that	that	SCONJ
fsr-3456	148	38	paying	pay	VERB
fsr-3456	148	39	bills	bill	NOUN
fsr-3456	148	40	is	be	AUX
fsr-3456	148	41	a	a	DET
fsr-3456	148	42	problem	problem	NOUN
fsr-3456	148	43	for	for	ADP
fsr-3456	148	44	students	student	NOUN
fsr-3456	148	45	.	.	PUNCT
fsr-3456	149	1	over	over	ADP
fsr-3456	149	2	50	50	NUM
fsr-3456	149	3	%	%	NOUN
fsr-3456	149	4	of	of	ADP
fsr-3456	149	5	students	student	NOUN
fsr-3456	149	6	regularly	regularly	ADV
fsr-3456	149	7	make	make	VERB
fsr-3456	149	8	only	only	ADV
fsr-3456	149	9	the	the	DET
fsr-3456	149	10	minimum	minimum	ADJ
fsr-3456	149	11	monthly	monthly	ADJ
fsr-3456	149	12	payment	payment	NOUN
fsr-3456	149	13	on	on	ADP
fsr-3456	149	14	their	their	PRON
fsr-3456	149	15	credit	credit	NOUN
fsr-3456	149	16	cards	card	NOUN
fsr-3456	149	17	or	or	CCONJ
fsr-3456	149	18	pay	pay	VERB
fsr-3456	149	19	nothing	nothing	PRON
fsr-3456	149	20	(	(	PUNCT
fsr-3456	149	21	ccpay	ccpay	PROPN
fsr-3456	149	22	)	)	PUNCT
fsr-3456	149	23	and	and	CCONJ
fsr-3456	149	24	find	find	VERB
fsr-3456	149	25	it	it	PRON
fsr-3456	149	26	difficult	difficult	ADJ
fsr-3456	149	27	to	to	PART
fsr-3456	149	28	cover	cover	VERB
fsr-3456	149	29	expenses	expense	NOUN
fsr-3456	149	30	and	and	CCONJ
fsr-3456	149	31	pay	pay	NOUN
fsr-3456	149	32	bills	bill	NOUN
fsr-3456	149	33	(	(	PUNCT
fsr-3456	149	34	bills	bill	NOUN
fsr-3456	149	35	)	)	PUNCT
fsr-3456	149	36	.	.	PUNCT
fsr-3456	150	1	a	a	DET
fsr-3456	150	2	slightly	slightly	ADV
fsr-3456	150	3	lower	low	ADJ
fsr-3456	150	4	proportion	proportion	NOUN
fsr-3456	150	5	(	(	PUNCT
fsr-3456	150	6	43	43	NUM
fsr-3456	150	7	%	%	NOUN
fsr-3456	150	8	)	)	PUNCT
fsr-3456	150	9	,	,	PUNCT
fsr-3456	150	10	indicate	indicate	VERB
fsr-3456	150	11	that	that	SCONJ
fsr-3456	150	12	it	it	PRON
fsr-3456	150	13	is	be	AUX
fsr-3456	150	14	difficult	difficult	ADJ
fsr-3456	150	15	to	to	PART
fsr-3456	150	16	come	come	VERB
fsr-3456	150	17	up	up	ADP
fsr-3456	150	18	with	with	ADP
fsr-3456	150	19	$	$	SYM
fsr-3456	150	20	500	500	NUM
fsr-3456	150	21	to	to	PART
fsr-3456	150	22	cover	cover	VERB
fsr-3456	150	23	emergency	emergency	NOUN
fsr-3456	150	24	expenses	expense	NOUN
fsr-3456	150	25	(	(	PUNCT
fsr-3456	150	26	emg500	emg500	PROPN
fsr-3456	150	27	)	)	PUNCT
fsr-3456	150	28	.	.	PUNCT
fsr-3456	151	1	these	these	DET
fsr-3456	151	2	variables	variable	NOUN
fsr-3456	151	3	are	be	AUX
fsr-3456	151	4	coded	code	VERB
fsr-3456	151	5	into	into	ADP
fsr-3456	151	6	binary	binary	ADJ
fsr-3456	151	7	variables	variable	NOUN
fsr-3456	151	8	where	where	SCONJ
fsr-3456	151	9	1	1	NUM
fsr-3456	151	10	is	be	AUX
fsr-3456	151	11	equal	equal	ADJ
fsr-3456	151	12	to	to	ADP
fsr-3456	151	13	higher	high	ADJ
fsr-3456	151	14	levels	level	NOUN
fsr-3456	151	15	of	of	ADP
fsr-3456	151	16	financial	financial	ADJ
fsr-3456	151	17	stress	stress	NOUN
fsr-3456	151	18	,	,	PUNCT
fsr-3456	151	19	and	and	CCONJ
fsr-3456	151	20	an	an	DET
fsr-3456	151	21	inverse	inverse	NOUN
fsr-3456	151	22	relationship	relationship	NOUN
fsr-3456	151	23	with	with	ADP
fsr-3456	151	24	financial	financial	ADJ
fsr-3456	151	25	wellbeing	wellbeing	NOUN
fsr-3456	151	26	is	be	AUX
fsr-3456	151	27	predicted	predict	VERB
fsr-3456	151	28	.	.	PUNCT
fsr-3456	152	1	lack	lack	NOUN
fsr-3456	152	2	of	of	ADP
fsr-3456	152	3	self	self	NOUN
fsr-3456	152	4	-	-	PUNCT
fsr-3456	152	5	control	control	NOUN
fsr-3456	152	6	is	be	AUX
fsr-3456	152	7	proxied	proxie	VERB
fsr-3456	152	8	by	by	ADP
fsr-3456	152	9	two	two	NUM
fsr-3456	152	10	variables	variable	NOUN
fsr-3456	152	11	,	,	PUNCT
fsr-3456	152	12	usedebt	usedebt	NOUN
fsr-3456	152	13	and	and	CCONJ
fsr-3456	152	14	spendmore	spendmore	ADJ
fsr-3456	152	15	.	.	PUNCT
fsr-3456	153	1	concerningly	concerningly	PROPN
fsr-3456	153	2	,	,	PUNCT
fsr-3456	153	3	12.88	12.88	NUM
fsr-3456	153	4	%	%	NOUN
fsr-3456	153	5	of	of	ADP
fsr-3456	153	6	respondents	respondent	NOUN
fsr-3456	153	7	say	say	VERB
fsr-3456	153	8	they	they	PRON
fsr-3456	153	9	use	use	VERB
fsr-3456	153	10	debt	debt	NOUN
fsr-3456	153	11	so	so	SCONJ
fsr-3456	153	12	they	they	PRON
fsr-3456	153	13	do	do	AUX
fsr-3456	153	14	not	not	PART
fsr-3456	153	15	miss	miss	VERB
fsr-3456	153	16	out	out	ADP
fsr-3456	153	17	on	on	ADP
fsr-3456	153	18	student	student	NOUN
fsr-3456	153	19	experiences	experience	NOUN
fsr-3456	153	20	,	,	PUNCT
fsr-3456	153	21	and	and	CCONJ
fsr-3456	153	22	12.07	12.07	NUM
fsr-3456	153	23	%	%	NOUN
fsr-3456	153	24	say	say	VERB
fsr-3456	153	25	they	they	PRON
fsr-3456	153	26	regularly	regularly	ADV
fsr-3456	153	27	spend	spend	VERB
fsr-3456	153	28	more	more	ADJ
fsr-3456	153	29	than	than	SCONJ
fsr-3456	153	30	they	they	PRON
fsr-3456	153	31	have	have	VERB
fsr-3456	153	32	by	by	ADP
fsr-3456	153	33	using	use	VERB
fsr-3456	153	34	credit	credit	NOUN
fsr-3456	153	35	or	or	CCONJ
fsr-3456	153	36	borrowing	borrowing	NOUN
fsr-3456	153	37	.	.	PUNCT
fsr-3456	154	1	the	the	DET
fsr-3456	154	2	responses	response	NOUN
fsr-3456	154	3	are	be	AUX
fsr-3456	154	4	coded	code	VERB
fsr-3456	154	5	so	so	SCONJ
fsr-3456	154	6	that	that	SCONJ
fsr-3456	154	7	a	a	DET
fsr-3456	154	8	higher	high	ADJ
fsr-3456	154	9	level	level	NOUN
fsr-3456	154	10	equates	equate	VERB
fsr-3456	154	11	to	to	ADP
fsr-3456	154	12	lacking	lack	VERB
fsr-3456	154	13	self	self	NOUN
fsr-3456	154	14	-	-	PUNCT
fsr-3456	154	15	control	control	NOUN
fsr-3456	154	16	that	that	PRON
fsr-3456	154	17	is	be	AUX
fsr-3456	154	18	predicted	predict	VERB
fsr-3456	154	19	to	to	PART
fsr-3456	154	20	have	have	VERB
fsr-3456	154	21	an	an	DET
fsr-3456	154	22	inverse	inverse	NOUN
fsr-3456	154	23	relationship	relationship	NOUN
fsr-3456	154	24	with	with	ADP
fsr-3456	154	25	financial	financial	ADJ
fsr-3456	154	26	wellbeing	wellbeing	NOUN
fsr-3456	154	27	.	.	PUNCT
fsr-3456	155	1	the	the	DET
fsr-3456	155	2	factor	factor	NOUN
fsr-3456	155	3	analysis	analysis	NOUN
fsr-3456	155	4	for	for	ADP
fsr-3456	155	5	a	a	DET
fsr-3456	155	6	set	set	NOUN
fsr-3456	155	7	of	of	ADP
fsr-3456	155	8	questions	question	NOUN
fsr-3456	155	9	relating	relate	VERB
fsr-3456	155	10	to	to	ADP
fsr-3456	155	11	materialism	materialism	NOUN
fsr-3456	155	12	showed	show	VERB
fsr-3456	155	13	that	that	SCONJ
fsr-3456	155	14	matimp	matimp	NOUN
fsr-3456	155	15	and	and	CCONJ
fsr-3456	155	16	mathap	mathap	PROPN
fsr-3456	155	17	had	have	VERB
fsr-3456	155	18	the	the	DET
fsr-3456	155	19	highest	high	ADJ
fsr-3456	155	20	loadings	loading	NOUN
fsr-3456	155	21	on	on	ADP
fsr-3456	155	22	the	the	DET
fsr-3456	155	23	first	first	ADJ
fsr-3456	155	24	factor	factor	NOUN
fsr-3456	155	25	.	.	PUNCT
fsr-3456	156	1	the	the	DET
fsr-3456	156	2	descriptive	descriptive	ADJ
fsr-3456	156	3	statistics	statistic	NOUN
fsr-3456	156	4	are	be	AUX
fsr-3456	156	5	interesting	interesting	ADJ
fsr-3456	156	6	.	.	PUNCT
fsr-3456	157	1	just	just	ADV
fsr-3456	157	2	under	under	ADP
fsr-3456	157	3	14	14	NUM
fsr-3456	157	4	%	%	NOUN
fsr-3456	157	5	of	of	ADP
fsr-3456	157	6	respondents	respondent	NOUN
fsr-3456	157	7	indicate	indicate	VERB
fsr-3456	157	8	that	that	SCONJ
fsr-3456	157	9	acquiring	acquire	VERB
fsr-3456	157	10	material	material	NOUN
fsr-3456	157	11	possessions	possession	NOUN
fsr-3456	157	12	is	be	AUX
fsr-3456	157	13	an	an	DET
fsr-3456	157	14	important	important	ADJ
fsr-3456	157	15	achievement	achievement	NOUN
fsr-3456	157	16	,	,	PUNCT
fsr-3456	157	17	while	while	SCONJ
fsr-3456	157	18	a	a	DET
fsr-3456	157	19	much	much	ADV
fsr-3456	157	20	larger	large	ADJ
fsr-3456	157	21	cohort	cohort	NOUN
fsr-3456	157	22	(	(	PUNCT
fsr-3456	157	23	49.26	49.26	NUM
fsr-3456	157	24	%	%	NOUN
fsr-3456	157	25	)	)	PUNCT
fsr-3456	157	26	indicate	indicate	VERB
fsr-3456	157	27	that	that	SCONJ
fsr-3456	157	28	they	they	PRON
fsr-3456	157	29	would	would	AUX
fsr-3456	157	30	be	be	AUX
fsr-3456	157	31	happier	happy	ADJ
fsr-3456	157	32	if	if	SCONJ
fsr-3456	157	33	they	they	PRON
fsr-3456	157	34	could	could	AUX
fsr-3456	157	35	afford	afford	VERB
fsr-3456	157	36	to	to	PART
fsr-3456	157	37	buy	buy	VERB
fsr-3456	157	38	more	more	ADJ
fsr-3456	157	39	things	thing	NOUN
fsr-3456	157	40	.	.	PUNCT
fsr-3456	158	1	no	no	ADV
fsr-3456	158	2	doubt	doubt	ADV
fsr-3456	158	3	the	the	DET
fsr-3456	158	4	latter	latter	ADJ
fsr-3456	158	5	is	be	AUX
fsr-3456	158	6	representative	representative	NOUN
fsr-3456	158	7	of	of	ADP
fsr-3456	158	8	the	the	DET
fsr-3456	158	9	constrained	constrain	VERB
fsr-3456	158	10	budgets	budget	NOUN
fsr-3456	158	11	of	of	ADP
fsr-3456	158	12	university	university	NOUN
fsr-3456	158	13	students	student	NOUN
fsr-3456	158	14	.	.	PUNCT
fsr-3456	159	1	a	a	DET
fsr-3456	159	2	higher	high	ADJ
fsr-3456	159	3	response	response	NOUN
fsr-3456	159	4	level	level	NOUN
fsr-3456	159	5	is	be	AUX
fsr-3456	159	6	expected	expect	VERB
fsr-3456	159	7	to	to	PART
fsr-3456	159	8	be	be	AUX
fsr-3456	159	9	associated	associate	VERB
fsr-3456	159	10	with	with	ADP
fsr-3456	159	11	an	an	DET
fsr-3456	159	12	inverse	inverse	NOUN
fsr-3456	159	13	relationship	relationship	NOUN
fsr-3456	159	14	with	with	ADP
fsr-3456	159	15	financial	financial	ADJ
fsr-3456	159	16	wellbeing	wellbeing	NOUN
fsr-3456	159	17	.	.	PUNCT
fsr-3456	160	1	table	table	NOUN
fsr-3456	160	2	1	1	NUM
fsr-3456	160	3	descriptive	descriptive	ADJ
fsr-3456	160	4	statistics	statistic	NOUN
fsr-3456	160	5	set	set	VERB
fsr-3456	160	6	of	of	ADP
fsr-3456	160	7	personal	personal	ADJ
fsr-3456	160	8	factors	factor	NOUN
fsr-3456	160	9	proportion	proportion	NOUN
fsr-3456	160	10	(	(	PUNCT
fsr-3456	160	11	%	%	INTJ
fsr-3456	160	12	)	)	PUNCT
fsr-3456	160	13	mean	mean	NOUN
fsr-3456	160	14	sd	sd	X
fsr-3456	160	15	what	what	PRON
fsr-3456	160	16	is	be	AUX
fsr-3456	160	17	your	your	PRON
fsr-3456	160	18	gender	gender	NOUN
fsr-3456	160	19	?	?	PUNCT
fsr-3456	161	1	gender	gender	NOUN
fsr-3456	161	2	0.63	0.63	NUM
fsr-3456	161	3	0.48	0.48	NUM
fsr-3456	161	4	0	0	NUM
fsr-3456	161	5	–	–	PUNCT
fsr-3456	161	6	male	male	NOUN
fsr-3456	161	7	37.00	37.00	NUM
fsr-3456	161	8	1	1	NUM
fsr-3456	161	9	–	–	PUNCT
fsr-3456	161	10	female	female	ADJ
fsr-3456	161	11	63.00	63.00	NUM
fsr-3456	161	12	what	what	PRON
fsr-3456	161	13	age	age	NOUN
fsr-3456	161	14	category	category	NOUN
fsr-3456	161	15	are	be	AUX
fsr-3456	161	16	you	you	PRON
fsr-3456	161	17	in	in	ADP
fsr-3456	161	18	?	?	PUNCT
fsr-3456	162	1	agec	agec	NOUN
fsr-3456	162	2	1.58	1.58	NUM
fsr-3456	162	3	1.16	1.16	NUM
fsr-3456	162	4	1	1	NUM
fsr-3456	162	5	–	–	PUNCT
fsr-3456	162	6	23	23	NUM
fsr-3456	162	7	or	or	CCONJ
fsr-3456	162	8	younger	young	ADJ
fsr-3456	162	9	52.05	52.05	NUM
fsr-3456	162	10	2	2	NUM
fsr-3456	162	11	–	–	PUNCT
fsr-3456	162	12	24	24	NUM
fsr-3456	162	13	to	to	ADP
fsr-3456	162	14	29	29	NUM
fsr-3456	162	15	24.38	24.38	NUM
fsr-3456	162	16	3	3	NUM
fsr-3456	162	17	–	–	PUNCT
fsr-3456	162	18	30	30	NUM
fsr-3456	162	19	to	to	ADP
fsr-3456	162	20	39	39	NUM
fsr-3456	162	21	16.44	16.44	NUM
fsr-3456	162	22	4	4	NUM
fsr-3456	162	23	–	–	PUNCT
fsr-3456	162	24	40	40	NUM
fsr-3456	162	25	to	to	PART
fsr-3456	162	26	49	49	NUM
fsr-3456	162	27	4.38	4.38	NUM
fsr-3456	162	28	5	5	NUM
fsr-3456	162	29	–	–	PUNCT
fsr-3456	162	30	50	50	NUM
fsr-3456	162	31	to	to	ADP
fsr-3456	162	32	59	59	NUM
fsr-3456	162	33	2.19	2.19	NUM
fsr-3456	162	34	6	6	NUM
fsr-3456	162	35	–	–	PUNCT
fsr-3456	162	36	60	60	NUM
fsr-3456	162	37	or	or	CCONJ
fsr-3456	162	38	over	over	ADP
fsr-3456	162	39	0.55	0.55	NUM
fsr-3456	162	40	what	what	PRON
fsr-3456	162	41	is	be	AUX
fsr-3456	162	42	your	your	PRON
fsr-3456	162	43	current	current	ADJ
fsr-3456	162	44	annual	annual	ADJ
fsr-3456	162	45	income	income	NOUN
fsr-3456	162	46	,	,	PUNCT
fsr-3456	162	47	including	include	VERB
fsr-3456	162	48	paid	pay	VERB
fsr-3456	162	49	work	work	NOUN
fsr-3456	162	50	,	,	PUNCT
fsr-3456	162	51	government	government	NOUN
fsr-3456	162	52	benefits	benefit	NOUN
fsr-3456	162	53	and	and	CCONJ
fsr-3456	162	54	other	other	ADJ
fsr-3456	162	55	financial	financial	ADJ
fsr-3456	162	56	support	support	NOUN
fsr-3456	162	57	?	?	PUNCT
fsr-3456	163	1	income	income	NOUN
fsr-3456	163	2	4.05	4.05	NUM
fsr-3456	163	3	2.40	2.40	NUM
fsr-3456	163	4	1	1	NUM
fsr-3456	163	5	–	–	PUNCT
fsr-3456	163	6	above	above	ADP
fsr-3456	163	7	$	$	SYM
fsr-3456	163	8	100,000	100,000	NUM
fsr-3456	163	9	1.67	1.67	NUM
fsr-3456	163	10	2	2	NUM
fsr-3456	163	11	–	–	PUNCT
fsr-3456	163	12	$	$	SYM
fsr-3456	163	13	80,000–$99,999	80,000–$99,999	NOUN
fsr-3456	163	14	3.57	3.57	NUM
fsr-3456	163	15	3	3	NUM
fsr-3456	163	16	–	–	PUNCT
fsr-3456	163	17	$	$	SYM
fsr-3456	163	18	60,000–$79,999	60,000–$79,999	NOUN
fsr-3456	163	19	4.28	4.28	NUM
fsr-3456	163	20	4	4	NUM
fsr-3456	163	21	–	–	PUNCT
fsr-3456	163	22	$	$	SYM
fsr-3456	163	23	40,000–$59,999	40,000–$59,999	NOUN
fsr-3456	163	24	8.80	8.80	NUM
fsr-3456	163	25	5	5	NUM
fsr-3456	163	26	–	–	PUNCT
fsr-3456	163	27	$	$	SYM
fsr-3456	163	28	20,000–$39,999	20,000–$39,999	NUM
fsr-3456	163	29	20.23	20.23	NUM
fsr-3456	163	30	6	6	NUM
fsr-3456	163	31	–	–	PUNCT
fsr-3456	163	32	$	$	SYM
fsr-3456	163	33	1–$19,999	1–$19,999	NOUN
fsr-3456	163	34	35.71	35.71	NUM
fsr-3456	163	35	7	7	NUM
fsr-3456	163	36	–	–	PUNCT
fsr-3456	163	37	$	$	SYM
fsr-3456	163	38	0	0	NUM
fsr-3456	163	39	4.76	4.76	NUM
fsr-3456	163	40	what	what	DET
fsr-3456	163	41	type	type	NOUN
fsr-3456	163	42	of	of	ADP
fsr-3456	163	43	degree	degree	NOUN
fsr-3456	163	44	are	be	AUX
fsr-3456	163	45	you	you	PRON
fsr-3456	163	46	currently	currently	ADV
fsr-3456	163	47	pursuing	pursue	VERB
fsr-3456	163	48	?	?	PUNCT
fsr-3456	164	1	edu	edu	PROPN
fsr-3456	164	2	3.31	3.31	NUM
fsr-3456	164	3	0.66	0.66	NUM
fsr-3456	164	4	1	1	NUM
fsr-3456	164	5	–	–	PUNCT
fsr-3456	164	6	preparation	preparation	NOUN
fsr-3456	164	7	program	program	NOUN
fsr-3456	164	8	1.57	1.57	NUM
fsr-3456	164	9	2	2	NUM
fsr-3456	164	10	–	–	PUNCT
fsr-3456	164	11	diploma	diploma	NOUN
fsr-3456	164	12	/	/	SYM
fsr-3456	164	13	advanced	advanced	ADJ
fsr-3456	164	14	diploma/	diploma/	NUM
fsr-3456	164	15	associate	associate	NOUN
fsr-3456	164	16	degree	degree	NOUN
fsr-3456	164	17	70.08	70.08	NUM
fsr-3456	164	18	3	3	NUM
fsr-3456	164	19	–	–	PUNCT
fsr-3456	164	20	bachelor	bachelor	NOUN
fsr-3456	164	21	degree	degree	NOUN
fsr-3456	164	22	23.62	23.62	NUM
fsr-3456	164	23	4	4	NUM
fsr-3456	164	24	–	–	PUNCT
fsr-3456	164	25	postgraduate	postgraduate	NOUN
fsr-3456	164	26	degree	degree	NOUN
fsr-3456	164	27	3.94	3.94	NUM
fsr-3456	164	28	5	5	NUM
fsr-3456	164	29	–	–	PUNCT
fsr-3456	164	30	phd	phd	NOUN
fsr-3456	164	31	0.79	0.79	NUM
fsr-3456	164	32	194	194	NUM
fsr-3456	164	33	t.	t.	PROPN
fsr-3456	164	34	west	west	PROPN
fsr-3456	165	1	et	et	PROPN
fsr-3456	165	2	al	al	PROPN
fsr-3456	165	3	.	.	PUNCT
fsr-3456	165	4	/	/	SYM
fsr-3456	165	5	financial	financial	ADJ
fsr-3456	165	6	services	service	NOUN
fsr-3456	165	7	review	review	VERB
fsr-3456	165	8	29	29	NUM
fsr-3456	165	9	(	(	PUNCT
fsr-3456	165	10	2021	2021	NUM
fsr-3456	165	11	)	)	PUNCT
fsr-3456	166	1	187–207	187–207	NUM
fsr-3456	166	2	perceived	perceive	VERB
fsr-3456	166	3	financial	financial	ADJ
fsr-3456	166	4	self	self	NOUN
fsr-3456	166	5	-	-	PUNCT
fsr-3456	166	6	efficacy	efficacy	NOUN
fsr-3456	166	7	is	be	AUX
fsr-3456	166	8	related	relate	VERB
fsr-3456	166	9	to	to	PART
fsr-3456	166	10	control	control	VERB
fsr-3456	166	11	over	over	ADP
fsr-3456	166	12	one	one	NUM
fsr-3456	166	13	’s	’s	PART
fsr-3456	166	14	financial	financial	ADJ
fsr-3456	166	15	situation	situation	NOUN
fsr-3456	166	16	.	.	PUNCT
fsr-3456	167	1	two	two	NUM
fsr-3456	167	2	variables	variable	NOUN
fsr-3456	167	3	are	be	AUX
fsr-3456	167	4	included	include	VERB
fsr-3456	167	5	as	as	ADP
fsr-3456	167	6	proxies	proxy	NOUN
fsr-3456	167	7	:	:	PUNCT
fsr-3456	167	8	finstress	finstress	ADJ
fsr-3456	167	9	and	and	CCONJ
fsr-3456	167	10	conf	conf	NOUN
fsr-3456	167	11	.	.	PUNCT
fsr-3456	168	1	alarmingly	alarmingly	ADV
fsr-3456	168	2	,	,	PUNCT
fsr-3456	168	3	only	only	ADV
fsr-3456	168	4	7.33	7.33	NUM
fsr-3456	168	5	%	%	NOUN
fsr-3456	168	6	of	of	ADP
fsr-3456	168	7	respondents	respondent	NOUN
fsr-3456	168	8	indicate	indicate	VERB
fsr-3456	168	9	that	that	SCONJ
fsr-3456	168	10	they	they	PRON
fsr-3456	168	11	do	do	AUX
fsr-3456	168	12	not	not	PART
fsr-3456	168	13	feel	feel	VERB
fsr-3456	168	14	stressed	stressed	ADJ
fsr-3456	168	15	about	about	ADP
fsr-3456	168	16	their	their	PRON
fsr-3456	168	17	personal	personal	ADJ
fsr-3456	168	18	finances	finance	NOUN
fsr-3456	168	19	.	.	PUNCT
fsr-3456	169	1	responses	response	NOUN
fsr-3456	169	2	to	to	ADP
fsr-3456	169	3	the	the	DET
fsr-3456	169	4	question	question	NOUN
fsr-3456	169	5	regarding	regard	VERB
fsr-3456	169	6	how	how	SCONJ
fsr-3456	169	7	confident	confident	ADJ
fsr-3456	169	8	they	they	PRON
fsr-3456	169	9	feel	feel	VERB
fsr-3456	169	10	about	about	ADP
fsr-3456	169	11	managing	manage	VERB
fsr-3456	169	12	their	their	PRON
fsr-3456	169	13	finances	finance	NOUN
fsr-3456	169	14	is	be	AUX
fsr-3456	169	15	contradictory	contradictory	ADJ
fsr-3456	169	16	.	.	PUNCT
fsr-3456	170	1	only	only	ADV
fsr-3456	170	2	3.37	3.37	NUM
fsr-3456	170	3	%	%	NOUN
fsr-3456	170	4	of	of	ADP
fsr-3456	170	5	respondents	respondent	NOUN
fsr-3456	170	6	say	say	VERB
fsr-3456	170	7	that	that	SCONJ
fsr-3456	170	8	they	they	PRON
fsr-3456	170	9	do	do	AUX
fsr-3456	170	10	not	not	PART
fsr-3456	170	11	feel	feel	VERB
fsr-3456	170	12	confident	confident	ADJ
fsr-3456	170	13	,	,	PUNCT
fsr-3456	170	14	meaning	mean	VERB
fsr-3456	170	15	that	that	SCONJ
fsr-3456	170	16	most	most	ADJ
fsr-3456	170	17	of	of	ADP
fsr-3456	170	18	the	the	DET
fsr-3456	170	19	population	population	NOUN
fsr-3456	170	20	has	have	VERB
fsr-3456	170	21	some	some	DET
fsr-3456	170	22	level	level	NOUN
fsr-3456	170	23	of	of	ADP
fsr-3456	170	24	confidence	confidence	NOUN
fsr-3456	170	25	with	with	ADP
fsr-3456	170	26	managing	manage	VERB
fsr-3456	170	27	their	their	PRON
fsr-3456	170	28	finances	finance	NOUN
fsr-3456	170	29	.	.	PUNCT
fsr-3456	171	1	we	we	PRON
fsr-3456	171	2	expect	expect	VERB
fsr-3456	171	3	a	a	DET
fsr-3456	171	4	negative	negative	ADJ
fsr-3456	171	5	coefficient	coefficient	NOUN
fsr-3456	171	6	for	for	ADP
fsr-3456	171	7	finstress	finstress	ADJ
fsr-3456	171	8	and	and	CCONJ
fsr-3456	171	9	a	a	DET
fsr-3456	171	10	positive	positive	ADJ
fsr-3456	171	11	coefficient	coefficient	NOUN
fsr-3456	171	12	for	for	ADP
fsr-3456	171	13	conf	conf	NOUN
fsr-3456	171	14	.	.	PUNCT
fsr-3456	171	15	table	table	NOUN
fsr-3456	171	16	2	2	NUM
fsr-3456	171	17	current	current	ADJ
fsr-3456	171	18	money	money	NOUN
fsr-3456	171	19	management	management	NOUN
fsr-3456	171	20	stress	stress	NOUN
fsr-3456	171	21	descriptive	descriptive	ADJ
fsr-3456	171	22	statistics	statistic	NOUN
fsr-3456	171	23	current	current	ADJ
fsr-3456	171	24	money	money	NOUN
fsr-3456	171	25	management	management	NOUN
fsr-3456	171	26	stress	stress	NOUN
fsr-3456	171	27	proportion	proportion	NOUN
fsr-3456	171	28	(	(	PUNCT
fsr-3456	171	29	%	%	INTJ
fsr-3456	171	30	)	)	PUNCT
fsr-3456	172	1	mean	mean	VERB
fsr-3456	172	2	sd	sd	ADP
fsr-3456	172	3	late	late	ADJ
fsr-3456	172	4	minimum	minimum	ADJ
fsr-3456	172	5	payments	payment	NOUN
fsr-3456	172	6	:	:	PUNCT
fsr-3456	172	7	when	when	SCONJ
fsr-3456	172	8	you	you	PRON
fsr-3456	172	9	get	get	VERB
fsr-3456	172	10	a	a	DET
fsr-3456	172	11	credit	credit	NOUN
fsr-3456	172	12	card	card	NOUN
fsr-3456	172	13	or	or	CCONJ
fsr-3456	172	14	other	other	ADJ
fsr-3456	172	15	bill	bill	NOUN
fsr-3456	172	16	,	,	PUNCT
fsr-3456	172	17	do	do	AUX
fsr-3456	172	18	you	you	PRON
fsr-3456	172	19	usually	usually	ADV
fsr-3456	172	20	:	:	PUNCT
fsr-3456	172	21	ccpay	ccpay	VERB
fsr-3456	172	22	0.48	0.48	NUM
fsr-3456	172	23	0.50	0.50	NUM
fsr-3456	172	24	1	1	NUM
fsr-3456	172	25	–	–	PUNCT
fsr-3456	172	26	make	make	VERB
fsr-3456	172	27	the	the	DET
fsr-3456	172	28	minimum	minimum	ADJ
fsr-3456	172	29	monthly	monthly	ADJ
fsr-3456	172	30	payment	payment	NOUN
fsr-3456	172	31	/	/	SYM
fsr-3456	172	32	pay	pay	NOUN
fsr-3456	172	33	more	more	ADJ
fsr-3456	172	34	than	than	ADP
fsr-3456	172	35	the	the	DET
fsr-3456	172	36	minimum	minimum	NOUN
fsr-3456	172	37	,	,	PUNCT
fsr-3456	172	38	sometimes	sometimes	ADV
fsr-3456	172	39	pay	pay	VERB
fsr-3456	172	40	nothing	nothing	PRON
fsr-3456	172	41	or	or	CCONJ
fsr-3456	172	42	miss	miss	VERB
fsr-3456	172	43	the	the	DET
fsr-3456	172	44	payment	payment	NOUN
fsr-3456	172	45	date	date	NOUN
fsr-3456	172	46	52.05	52.05	NUM
fsr-3456	172	47	0	0	NUM
fsr-3456	172	48	–	–	PUNCT
fsr-3456	172	49	pay	pay	VERB
fsr-3456	172	50	the	the	DET
fsr-3456	172	51	full	full	ADJ
fsr-3456	172	52	balance	balance	NOUN
fsr-3456	172	53	/	/	SYM
fsr-3456	172	54	someone	someone	PRON
fsr-3456	172	55	else	else	ADV
fsr-3456	172	56	pays	pay	VERB
fsr-3456	172	57	my	my	PRON
fsr-3456	172	58	bill	bill	NOUN
fsr-3456	172	59	47.95	47.95	NUM
fsr-3456	172	60	in	in	ADP
fsr-3456	172	61	a	a	DET
fsr-3456	172	62	typical	typical	ADJ
fsr-3456	172	63	month	month	NOUN
fsr-3456	172	64	,	,	PUNCT
fsr-3456	172	65	how	how	SCONJ
fsr-3456	172	66	difficult	difficult	ADJ
fsr-3456	172	67	is	be	AUX
fsr-3456	172	68	it	it	PRON
fsr-3456	172	69	for	for	SCONJ
fsr-3456	172	70	you	you	PRON
fsr-3456	172	71	to	to	PART
fsr-3456	172	72	do	do	VERB
fsr-3456	172	73	the	the	DET
fsr-3456	172	74	following	following	NOUN
fsr-3456	172	75	:	:	PUNCT
fsr-3456	172	76	to	to	PART
fsr-3456	172	77	cover	cover	VERB
fsr-3456	172	78	your	your	PRON
fsr-3456	172	79	expenses	expense	NOUN
fsr-3456	172	80	and	and	CCONJ
fsr-3456	172	81	pay	pay	VERB
fsr-3456	172	82	all	all	DET
fsr-3456	172	83	your	your	PRON
fsr-3456	172	84	bills	bill	NOUN
fsr-3456	172	85	?	?	PUNCT
fsr-3456	173	1	bills	bill	NOUN
fsr-3456	173	2	0.50	0.50	NUM
fsr-3456	173	3	0.50	0.50	NUM
fsr-3456	173	4	1	1	NUM
fsr-3456	173	5	–	–	PUNCT
fsr-3456	173	6	always	always	ADV
fsr-3456	173	7	/	/	SYM
fsr-3456	173	8	often	often	ADV
fsr-3456	173	9	/	/	SYM
fsr-3456	173	10	sometimes	sometimes	ADV
fsr-3456	173	11	50.26	50.26	NUM
fsr-3456	173	12	0	0	NUM
fsr-3456	173	13	–	–	PUNCT
fsr-3456	173	14	rarely	rarely	ADV
fsr-3456	173	15	/	/	SYM
fsr-3456	173	16	never	never	ADV
fsr-3456	173	17	49.74	49.74	NUM
fsr-3456	173	18	to	to	PART
fsr-3456	173	19	come	come	VERB
fsr-3456	173	20	up	up	ADP
fsr-3456	173	21	with	with	ADP
fsr-3456	173	22	$	$	SYM
fsr-3456	173	23	500	500	NUM
fsr-3456	173	24	to	to	PART
fsr-3456	173	25	cover	cover	VERB
fsr-3456	173	26	emergency	emergency	NOUN
fsr-3456	173	27	expenses	expense	NOUN
fsr-3456	173	28	?	?	PUNCT
fsr-3456	174	1	emg500	emg500	NOUN
fsr-3456	174	2	0.57	0.57	NUM
fsr-3456	174	3	0.50	0.50	NUM
fsr-3456	174	4	1	1	NUM
fsr-3456	174	5	–	–	PUNCT
fsr-3456	174	6	always	always	ADV
fsr-3456	174	7	/	/	SYM
fsr-3456	174	8	often	often	ADV
fsr-3456	174	9	/	/	SYM
fsr-3456	174	10	sometimes	sometimes	ADV
fsr-3456	174	11	43.43	43.43	NUM
fsr-3456	174	12	0	0	NUM
fsr-3456	174	13	–	–	PUNCT
fsr-3456	174	14	rarely	rarely	ADV
fsr-3456	174	15	/	/	SYM
fsr-3456	174	16	never	never	ADV
fsr-3456	174	17	56.57	56.57	NUM
fsr-3456	174	18	lack	lack	NOUN
fsr-3456	174	19	of	of	ADP
fsr-3456	174	20	self	self	NOUN
fsr-3456	174	21	-	-	PUNCT
fsr-3456	174	22	control	control	NOUN
fsr-3456	174	23	:	:	PUNCT
fsr-3456	174	24	i	i	PRON
fsr-3456	174	25	use	use	VERB
fsr-3456	174	26	debt	debt	NOUN
fsr-3456	174	27	so	so	SCONJ
fsr-3456	174	28	i	i	PRON
fsr-3456	174	29	do	do	AUX
fsr-3456	174	30	not	not	PART
fsr-3456	174	31	miss	miss	VERB
fsr-3456	174	32	out	out	ADP
fsr-3456	174	33	on	on	ADP
fsr-3456	174	34	“	"	PUNCT
fsr-3456	174	35	normal	normal	ADJ
fsr-3456	174	36	”	"	PUNCT
fsr-3456	174	37	student	student	NOUN
fsr-3456	174	38	experiences	experience	NOUN
fsr-3456	174	39	usedebt	usedebt	ADP
fsr-3456	174	40	1.60	1.60	NUM
fsr-3456	174	41	0.71	0.71	NUM
fsr-3456	174	42	1	1	NUM
fsr-3456	174	43	–	–	PUNCT
fsr-3456	174	44	does	do	AUX
fsr-3456	174	45	not	not	PART
fsr-3456	174	46	describe	describe	VERB
fsr-3456	174	47	me	i	PRON
fsr-3456	174	48	52.53	52.53	NUM
fsr-3456	174	49	2	2	NUM
fsr-3456	174	50	–	–	PUNCT
fsr-3456	174	51	describes	describe	VERB
fsr-3456	174	52	me	i	PRON
fsr-3456	174	53	very	very	ADV
fsr-3456	174	54	little	little	ADV
fsr-3456	174	55	/	/	SYM
fsr-3456	174	56	somewhat	somewhat	ADV
fsr-3456	174	57	describes	describe	VERB
fsr-3456	174	58	me	i	PRON
fsr-3456	174	59	34.60	34.60	NUM
fsr-3456	174	60	3	3	NUM
fsr-3456	174	61	–	–	PUNCT
fsr-3456	174	62	describes	describe	VERB
fsr-3456	174	63	me	i	PRON
fsr-3456	174	64	very	very	ADV
fsr-3456	174	65	well	well	ADV
fsr-3456	174	66	/	/	PUNCT
fsr-3456	174	67	describes	describe	VERB
fsr-3456	174	68	me	i	PRON
fsr-3456	174	69	completely	completely	ADV
fsr-3456	174	70	12.88	12.88	NUM
fsr-3456	174	71	regularly	regularly	ADV
fsr-3456	174	72	spend	spend	VERB
fsr-3456	174	73	more	more	ADJ
fsr-3456	174	74	than	than	SCONJ
fsr-3456	174	75	i	i	PRON
fsr-3456	174	76	have	have	VERB
fsr-3456	174	77	by	by	ADP
fsr-3456	174	78	using	use	VERB
fsr-3456	174	79	credit	credit	NOUN
fsr-3456	174	80	or	or	CCONJ
fsr-3456	174	81	borrowing	borrow	VERB
fsr-3456	174	82	spendmore	spendmore	ADV
fsr-3456	174	83	1.58	1.58	NUM
fsr-3456	174	84	0.70	0.70	NUM
fsr-3456	174	85	1	1	NUM
fsr-3456	174	86	–	–	PUNCT
fsr-3456	174	87	does	do	AUX
fsr-3456	174	88	not	not	PART
fsr-3456	174	89	describe	describe	VERB
fsr-3456	174	90	me	i	PRON
fsr-3456	174	91	54.43	54.43	NUM
fsr-3456	174	92	2	2	NUM
fsr-3456	174	93	–	–	PUNCT
fsr-3456	174	94	describes	describe	VERB
fsr-3456	174	95	me	i	PRON
fsr-3456	174	96	very	very	ADV
fsr-3456	174	97	little	little	ADV
fsr-3456	174	98	/	/	SYM
fsr-3456	174	99	somewhat	somewhat	ADV
fsr-3456	174	100	describes	describe	VERB
fsr-3456	174	101	me	i	PRON
fsr-3456	174	102	33.50	33.50	NUM
fsr-3456	174	103	3	3	NUM
fsr-3456	174	104	–	–	PUNCT
fsr-3456	174	105	describes	describe	VERB
fsr-3456	174	106	me	i	PRON
fsr-3456	174	107	very	very	ADV
fsr-3456	174	108	well	well	ADV
fsr-3456	174	109	/	/	PUNCT
fsr-3456	174	110	describes	describe	VERB
fsr-3456	174	111	me	i	PRON
fsr-3456	174	112	completely	completely	ADV
fsr-3456	174	113	12.07	12.07	NUM
fsr-3456	174	114	materialism	materialism	NOUN
fsr-3456	174	115	:	:	PUNCT
fsr-3456	174	116	some	some	PRON
fsr-3456	174	117	of	of	ADP
fsr-3456	174	118	the	the	DET
fsr-3456	174	119	most	most	ADV
fsr-3456	174	120	important	important	ADJ
fsr-3456	174	121	achievements	achievement	NOUN
fsr-3456	174	122	in	in	ADP
fsr-3456	174	123	life	life	NOUN
fsr-3456	174	124	include	include	VERB
fsr-3456	174	125	acquiring	acquire	VERB
fsr-3456	174	126	material	material	ADJ
fsr-3456	174	127	possessions	possession	NOUN
fsr-3456	174	128	.	.	PUNCT
fsr-3456	175	1	matimp	matimp	NOUN
fsr-3456	175	2	1.81	1.81	NUM
fsr-3456	175	3	0.66	0.66	NUM
fsr-3456	175	4	1	1	NUM
fsr-3456	175	5	–	–	PUNCT
fsr-3456	175	6	does	do	AUX
fsr-3456	175	7	not	not	PART
fsr-3456	175	8	describe	describe	VERB
fsr-3456	175	9	me	i	PRON
fsr-3456	175	10	32.68	32.68	NUM
fsr-3456	175	11	2	2	NUM
fsr-3456	175	12	–	–	PUNCT
fsr-3456	175	13	describes	describe	VERB
fsr-3456	175	14	me	i	PRON
fsr-3456	175	15	very	very	ADV
fsr-3456	175	16	little	little	ADV
fsr-3456	175	17	/	/	SYM
fsr-3456	175	18	somewhat	somewhat	ADV
fsr-3456	175	19	describes	describe	VERB
fsr-3456	175	20	me	i	PRON
fsr-3456	175	21	53.41	53.41	NUM
fsr-3456	175	22	3	3	NUM
fsr-3456	175	23	–	–	PUNCT
fsr-3456	175	24	describes	describe	VERB
fsr-3456	175	25	me	i	PRON
fsr-3456	175	26	very	very	ADV
fsr-3456	175	27	well	well	ADV
fsr-3456	175	28	/	/	PUNCT
fsr-3456	175	29	describes	describe	VERB
fsr-3456	175	30	me	i	PRON
fsr-3456	175	31	completely	completely	ADV
fsr-3456	175	32	13.90	13.90	NUM
fsr-3456	175	33	i	i	PRON
fsr-3456	175	34	’d	’d	NOUN
fsr-3456	175	35	be	be	AUX
fsr-3456	175	36	happier	happy	ADJ
fsr-3456	175	37	if	if	SCONJ
fsr-3456	175	38	i	i	PRON
fsr-3456	175	39	could	could	AUX
fsr-3456	175	40	afford	afford	VERB
fsr-3456	175	41	to	to	PART
fsr-3456	175	42	buy	buy	VERB
fsr-3456	175	43	more	more	ADJ
fsr-3456	175	44	things	thing	NOUN
fsr-3456	175	45	.	.	PUNCT
fsr-3456	176	1	mathap	mathap	VERB
fsr-3456	176	2	2.41	2.41	NUM
fsr-3456	176	3	0.64	0.64	NUM
fsr-3456	176	4	1	1	NUM
fsr-3456	176	5	–	–	PUNCT
fsr-3456	176	6	does	do	AUX
fsr-3456	176	7	not	not	PART
fsr-3456	176	8	describe	describe	VERB
fsr-3456	176	9	me	i	PRON
fsr-3456	176	10	8.37	8.37	NUM
fsr-3456	176	11	2	2	NUM
fsr-3456	176	12	–	–	PUNCT
fsr-3456	176	13	describes	describe	VERB
fsr-3456	176	14	me	i	PRON
fsr-3456	176	15	very	very	ADV
fsr-3456	176	16	little	little	ADV
fsr-3456	176	17	/	/	SYM
fsr-3456	176	18	somewhat	somewhat	ADV
fsr-3456	176	19	describes	describe	VERB
fsr-3456	176	20	me	i	PRON
fsr-3456	176	21	42.36	42.36	NUM
fsr-3456	176	22	3	3	NUM
fsr-3456	176	23	–	–	PUNCT
fsr-3456	176	24	describes	describe	VERB
fsr-3456	176	25	me	i	PRON
fsr-3456	176	26	very	very	ADV
fsr-3456	176	27	well	well	ADV
fsr-3456	176	28	/	/	PUNCT
fsr-3456	176	29	describes	describe	VERB
fsr-3456	176	30	me	i	PRON
fsr-3456	176	31	completely	completely	ADV
fsr-3456	176	32	49.26	49.26	NUM
fsr-3456	176	33	perceived	perceive	VERB
fsr-3456	176	34	financial	financial	ADJ
fsr-3456	176	35	self	self	NOUN
fsr-3456	176	36	-	-	PUNCT
fsr-3456	176	37	efficacy	efficacy	NOUN
fsr-3456	176	38	.	.	PUNCT
fsr-3456	177	1	i	i	PRON
fsr-3456	177	2	feel	feel	VERB
fsr-3456	177	3	stressed	stressed	ADJ
fsr-3456	177	4	about	about	ADP
fsr-3456	177	5	my	my	PRON
fsr-3456	177	6	personal	personal	ADJ
fsr-3456	177	7	finances	finance	NOUN
fsr-3456	177	8	in	in	ADP
fsr-3456	177	9	general	general	ADJ
fsr-3456	177	10	.	.	PUNCT
fsr-3456	178	1	finstress	finstress	ADJ
fsr-3456	178	2	2.44	2.44	NUM
fsr-3456	178	3	0.68	0.68	NUM
fsr-3456	178	4	1	1	NUM
fsr-3456	178	5	–	–	PUNCT
fsr-3456	178	6	does	do	AUX
fsr-3456	178	7	not	not	PART
fsr-3456	178	8	describe	describe	VERB
fsr-3456	178	9	me	i	PRON
fsr-3456	178	10	7.33	7.33	NUM
fsr-3456	178	11	2	2	NUM
fsr-3456	178	12	–	–	PUNCT
fsr-3456	178	13	describes	describe	VERB
fsr-3456	178	14	me	i	PRON
fsr-3456	178	15	very	very	ADV
fsr-3456	178	16	little	little	ADV
fsr-3456	178	17	/	/	SYM
fsr-3456	178	18	somewhat	somewhat	ADV
fsr-3456	178	19	describes	describe	VERB
fsr-3456	178	20	me	i	PRON
fsr-3456	178	21	41.08	41.08	NUM
fsr-3456	178	22	3	3	NUM
fsr-3456	178	23	–	–	PUNCT
fsr-3456	178	24	describes	describe	VERB
fsr-3456	178	25	me	i	PRON
fsr-3456	178	26	very	very	ADV
fsr-3456	178	27	well	well	ADV
fsr-3456	178	28	/	/	PUNCT
fsr-3456	178	29	describes	describe	VERB
fsr-3456	178	30	me	i	PRON
fsr-3456	178	31	completely	completely	ADV
fsr-3456	178	32	51.59	51.59	NUM
fsr-3456	178	33	i	i	PRON
fsr-3456	178	34	am	be	AUX
fsr-3456	178	35	confident	confident	ADJ
fsr-3456	178	36	i	i	PRON
fsr-3456	178	37	can	can	AUX
fsr-3456	178	38	manage	manage	VERB
fsr-3456	178	39	my	my	PRON
fsr-3456	178	40	finances	finance	NOUN
fsr-3456	178	41	conf	conf	NOUN
fsr-3456	178	42	2.55	2.55	NUM
fsr-3456	178	43	0.56	0.56	NUM
fsr-3456	178	44	1	1	NUM
fsr-3456	178	45	–	–	PUNCT
fsr-3456	178	46	does	do	AUX
fsr-3456	178	47	not	not	PART
fsr-3456	178	48	describe	describe	VERB
fsr-3456	178	49	me	i	PRON
fsr-3456	178	50	3.37	3.37	NUM
fsr-3456	178	51	2	2	NUM
fsr-3456	178	52	–	–	PUNCT
fsr-3456	178	53	describes	describe	VERB
fsr-3456	178	54	me	i	PRON
fsr-3456	178	55	very	very	ADV
fsr-3456	178	56	little	little	ADV
fsr-3456	178	57	/	/	SYM
fsr-3456	178	58	somewhat	somewhat	ADV
fsr-3456	178	59	describes	describe	VERB
fsr-3456	178	60	me	i	PRON
fsr-3456	178	61	38.46	38.46	NUM
fsr-3456	178	62	3	3	NUM
fsr-3456	178	63	–	–	PUNCT
fsr-3456	178	64	describes	describe	VERB
fsr-3456	178	65	me	i	PRON
fsr-3456	178	66	very	very	ADV
fsr-3456	178	67	well	well	ADV
fsr-3456	178	68	/	/	PUNCT
fsr-3456	178	69	describes	describe	VERB
fsr-3456	178	70	me	i	PRON
fsr-3456	178	71	completely	completely	ADV
fsr-3456	178	72	58.17	58.17	NUM
fsr-3456	178	73	t.	t.	PROPN
fsr-3456	178	74	west	west	PROPN
fsr-3456	178	75	et	et	PROPN
fsr-3456	178	76	al	al	PROPN
fsr-3456	178	77	.	.	PUNCT
fsr-3456	178	78	/	/	SYM
fsr-3456	178	79	financial	financial	ADJ
fsr-3456	178	80	services	service	NOUN
fsr-3456	178	81	review	review	VERB
fsr-3456	178	82	29	29	NUM
fsr-3456	178	83	(	(	PUNCT
fsr-3456	178	84	2021	2021	NUM
fsr-3456	178	85	)	)	PUNCT
fsr-3456	178	86	187–207	187–207	NUM
fsr-3456	178	87	195	195	NUM
fsr-3456	178	88	future	future	ADJ
fsr-3456	178	89	expectations	expectation	NOUN
fsr-3456	178	90	is	be	AUX
fsr-3456	178	91	a	a	DET
fsr-3456	178	92	set	set	NOUN
fsr-3456	178	93	of	of	ADP
fsr-3456	178	94	variables	variable	NOUN
fsr-3456	178	95	used	use	VERB
fsr-3456	178	96	to	to	PART
fsr-3456	178	97	describe	describe	VERB
fsr-3456	178	98	the	the	DET
fsr-3456	178	99	student	student	NOUN
fsr-3456	178	100	’s	’s	PART
fsr-3456	178	101	behaviors	behavior	NOUN
fsr-3456	178	102	that	that	PRON
fsr-3456	178	103	are	be	AUX
fsr-3456	178	104	likely	likely	ADJ
fsr-3456	178	105	to	to	PART
fsr-3456	178	106	lead	lead	VERB
fsr-3456	178	107	to	to	ADP
fsr-3456	178	108	a	a	DET
fsr-3456	178	109	positive	positive	ADJ
fsr-3456	178	110	financial	financial	ADJ
fsr-3456	178	111	outcome	outcome	NOUN
fsr-3456	178	112	.	.	PUNCT
fsr-3456	179	1	the	the	DET
fsr-3456	179	2	framework	framework	NOUN
fsr-3456	179	3	by	by	ADP
fsr-3456	179	4	netemeyer	netemeyer	PROPN
fsr-3456	179	5	et	et	PROPN
fsr-3456	179	6	al	al	PROPN
fsr-3456	179	7	.	.	PROPN
fsr-3456	180	1	(	(	PUNCT
fsr-3456	180	2	2018	2018	NUM
fsr-3456	180	3	)	)	PUNCT
fsr-3456	180	4	suggests	suggest	VERB
fsr-3456	180	5	that	that	SCONJ
fsr-3456	180	6	perceived	perceive	VERB
fsr-3456	180	7	financial	financial	ADJ
fsr-3456	180	8	self	self	NOUN
fsr-3456	180	9	-	-	PUNCT
fsr-3456	180	10	efficacy	efficacy	NOUN
fsr-3456	180	11	,	,	PUNCT
fsr-3456	180	12	positive	positive	ADJ
fsr-3456	180	13	financial	financial	ADJ
fsr-3456	180	14	behaviours	behaviour	NOUN
fsr-3456	180	15	,	,	PUNCT
fsr-3456	180	16	willingness	willingness	NOUN
fsr-3456	180	17	to	to	PART
fsr-3456	180	18	take	take	VERB
fsr-3456	180	19	investment	investment	NOUN
fsr-3456	180	20	risks	risk	NOUN
fsr-3456	180	21	and	and	CCONJ
fsr-3456	180	22	planning	plan	VERB
fsr-3456	180	23	for	for	ADP
fsr-3456	180	24	the	the	DET
fsr-3456	180	25	long	long	ADJ
fsr-3456	180	26	term	term	NOUN
fsr-3456	180	27	are	be	AUX
fsr-3456	180	28	antecedents	antecedent	NOUN
fsr-3456	180	29	for	for	ADP
fsr-3456	180	30	expected	expect	VERB
fsr-3456	180	31	future	future	ADJ
fsr-3456	180	32	financial	financial	ADJ
fsr-3456	180	33	security	security	NOUN
fsr-3456	180	34	.	.	PUNCT
fsr-3456	181	1	we	we	PRON
fsr-3456	181	2	consider	consider	VERB
fsr-3456	181	3	responses	response	NOUN
fsr-3456	181	4	to	to	ADP
fsr-3456	181	5	several	several	ADJ
fsr-3456	181	6	questions	question	NOUN
fsr-3456	181	7	about	about	ADP
fsr-3456	181	8	the	the	DET
fsr-3456	181	9	future	future	NOUN
fsr-3456	181	10	that	that	PRON
fsr-3456	181	11	are	be	AUX
fsr-3456	181	12	pertinent	pertinent	ADJ
fsr-3456	181	13	to	to	ADP
fsr-3456	181	14	students	student	NOUN
fsr-3456	181	15	as	as	ADP
fsr-3456	181	16	proxy	proxy	NOUN
fsr-3456	181	17	for	for	ADP
fsr-3456	181	18	future	future	ADJ
fsr-3456	181	19	expectations	expectation	NOUN
fsr-3456	181	20	,	,	PUNCT
fsr-3456	181	21	as	as	SCONJ
fsr-3456	181	22	described	describe	VERB
fsr-3456	181	23	in	in	ADP
fsr-3456	181	24	table	table	NOUN
fsr-3456	181	25	3	3	NUM
fsr-3456	181	26	.	.	PUNCT
fsr-3456	181	27	two	two	NUM
fsr-3456	181	28	variables	variable	NOUN
fsr-3456	181	29	that	that	PRON
fsr-3456	181	30	serve	serve	VERB
fsr-3456	181	31	as	as	ADP
fsr-3456	181	32	proxy	proxy	NOUN
fsr-3456	181	33	for	for	ADP
fsr-3456	181	34	positive	positive	ADJ
fsr-3456	181	35	financial	financial	ADJ
fsr-3456	181	36	behaviours	behaviour	NOUN
fsr-3456	181	37	were	be	AUX
fsr-3456	181	38	selected	select	VERB
fsr-3456	181	39	from	from	ADP
fsr-3456	181	40	a	a	DET
fsr-3456	181	41	set	set	NOUN
fsr-3456	181	42	of	of	ADP
fsr-3456	181	43	questions	question	NOUN
fsr-3456	181	44	based	base	VERB
fsr-3456	181	45	on	on	ADP
fsr-3456	181	46	factor	factor	NOUN
fsr-3456	181	47	analysis	analysis	NOUN
fsr-3456	181	48	:	:	PUNCT
fsr-3456	181	49	psav	psav	NOUN
fsr-3456	181	50	and	and	CCONJ
fsr-3456	181	51	pplan	pplan	NOUN
fsr-3456	181	52	.	.	PUNCT
fsr-3456	182	1	regularly	regularly	ADV
fsr-3456	182	2	adding	add	VERB
fsr-3456	182	3	to	to	ADP
fsr-3456	182	4	savings	saving	NOUN
fsr-3456	182	5	is	be	AUX
fsr-3456	182	6	identified	identify	VERB
fsr-3456	182	7	by	by	ADP
fsr-3456	182	8	46.32	46.32	NUM
fsr-3456	182	9	%	%	NOUN
fsr-3456	182	10	of	of	ADP
fsr-3456	182	11	respondents	respondent	NOUN
fsr-3456	182	12	and	and	CCONJ
fsr-3456	182	13	58.64	58.64	NUM
fsr-3456	182	14	%	%	NOUN
fsr-3456	182	15	plan	plan	NOUN
fsr-3456	182	16	ahead	ahead	ADV
fsr-3456	182	17	for	for	ADP
fsr-3456	182	18	major	major	ADJ
fsr-3456	182	19	purchases	purchase	NOUN
fsr-3456	182	20	.	.	PUNCT
fsr-3456	183	1	higher	high	ADJ
fsr-3456	183	2	scores	score	NOUN
fsr-3456	183	3	are	be	AUX
fsr-3456	183	4	predicted	predict	VERB
fsr-3456	183	5	to	to	PART
fsr-3456	183	6	positively	positively	ADV
fsr-3456	183	7	relate	relate	VERB
fsr-3456	183	8	to	to	ADP
fsr-3456	183	9	financial	financial	ADJ
fsr-3456	183	10	wellbeing	wellbeing	NOUN
fsr-3456	183	11	.	.	PUNCT
fsr-3456	184	1	the	the	DET
fsr-3456	184	2	highest	high	ADJ
fsr-3456	184	3	response	response	NOUN
fsr-3456	184	4	to	to	ADP
fsr-3456	184	5	a	a	DET
fsr-3456	184	6	single	single	ADJ
fsr-3456	184	7	category	category	NOUN
fsr-3456	184	8	for	for	ADP
fsr-3456	184	9	willingness	willingness	NOUN
fsr-3456	184	10	to	to	PART
fsr-3456	184	11	take	take	VERB
fsr-3456	184	12	financial	financial	ADJ
fsr-3456	184	13	risks	risk	NOUN
fsr-3456	184	14	is	be	AUX
fsr-3456	184	15	“	"	PUNCT
fsr-3456	184	16	i	i	PRON
fsr-3456	184	17	am	be	AUX
fsr-3456	184	18	not	not	PART
fsr-3456	184	19	willing	willing	ADJ
fsr-3456	184	20	to	to	PART
fsr-3456	184	21	take	take	VERB
fsr-3456	184	22	any	any	DET
fsr-3456	184	23	financial	financial	ADJ
fsr-3456	184	24	risks	risk	NOUN
fsr-3456	184	25	”	"	PUNCT
fsr-3456	184	26	(	(	PUNCT
fsr-3456	184	27	36.93	36.93	NUM
fsr-3456	184	28	%	%	NOUN
fsr-3456	184	29	)	)	PUNCT
fsr-3456	184	30	.	.	PUNCT
fsr-3456	185	1	however	however	ADV
fsr-3456	185	2	,	,	PUNCT
fsr-3456	185	3	42.93	42.93	NUM
fsr-3456	185	4	%	%	NOUN
fsr-3456	185	5	of	of	ADP
fsr-3456	185	6	respondents	respondent	NOUN
fsr-3456	185	7	did	do	AUX
fsr-3456	185	8	choose	choose	VERB
fsr-3456	185	9	a	a	DET
fsr-3456	185	10	category	category	NOUN
fsr-3456	185	11	of	of	ADP
fsr-3456	185	12	willingness	willingness	NOUN
fsr-3456	185	13	to	to	PART
fsr-3456	185	14	take	take	VERB
fsr-3456	185	15	financial	financial	ADJ
fsr-3456	185	16	risks	risk	NOUN
fsr-3456	185	17	to	to	ADP
fsr-3456	185	18	various	various	ADJ
fsr-3456	185	19	degrees	degree	NOUN
fsr-3456	185	20	.	.	PUNCT
fsr-3456	186	1	a	a	DET
fsr-3456	186	2	high	high	ADJ
fsr-3456	186	3	response	response	NOUN
fsr-3456	186	4	is	be	AUX
fsr-3456	186	5	expected	expect	VERB
fsr-3456	186	6	to	to	PART
fsr-3456	186	7	relate	relate	VERB
fsr-3456	186	8	positively	positively	ADV
fsr-3456	186	9	to	to	ADP
fsr-3456	186	10	financial	financial	ADJ
fsr-3456	186	11	wellbeing	wellbeing	NOUN
fsr-3456	186	12	.	.	PUNCT
fsr-3456	187	1	finally	finally	ADV
fsr-3456	187	2	,	,	PUNCT
fsr-3456	187	3	planning	plan	VERB
fsr-3456	187	4	for	for	ADP
fsr-3456	187	5	the	the	DET
fsr-3456	187	6	long	long	ADJ
fsr-3456	187	7	term	term	NOUN
fsr-3456	187	8	is	be	AUX
fsr-3456	187	9	represented	represent	VERB
fsr-3456	187	10	by	by	ADP
fsr-3456	187	11	plan	plan	NOUN
fsr-3456	187	12	.	.	PUNCT
fsr-3456	188	1	the	the	PRON
fsr-3456	188	2	longer	long	ADV
fsr-3456	188	3	the	the	DET
fsr-3456	188	4	time	time	NOUN
fsr-3456	188	5	period	period	NOUN
fsr-3456	188	6	selected	select	VERB
fsr-3456	188	7	,	,	PUNCT
fsr-3456	188	8	the	the	DET
fsr-3456	188	9	more	more	ADV
fsr-3456	188	10	positive	positive	ADJ
fsr-3456	188	11	an	an	DET
fsr-3456	188	12	impact	impact	NOUN
fsr-3456	188	13	on	on	ADP
fsr-3456	188	14	financial	financial	ADJ
fsr-3456	188	15	wellbeing	wellbeing	NOUN
fsr-3456	188	16	.	.	PUNCT
fsr-3456	189	1	while	while	SCONJ
fsr-3456	189	2	29.33	29.33	NUM
fsr-3456	189	3	%	%	NOUN
fsr-3456	189	4	of	of	ADP
fsr-3456	189	5	students	student	NOUN
fsr-3456	189	6	are	be	AUX
fsr-3456	189	7	only	only	ADV
fsr-3456	189	8	planning	plan	VERB
fsr-3456	189	9	for	for	ADP
fsr-3456	189	10	the	the	DET
fsr-3456	189	11	next	next	ADJ
fsr-3456	189	12	few	few	ADJ
fsr-3456	189	13	months	month	NOUN
fsr-3456	189	14	,	,	PUNCT
fsr-3456	189	15	a	a	DET
fsr-3456	189	16	large	large	ADJ
fsr-3456	189	17	portion	portion	NOUN
fsr-3456	189	18	(	(	PUNCT
fsr-3456	189	19	70.67	70.67	NUM
fsr-3456	189	20	%	%	NOUN
fsr-3456	189	21	)	)	PUNCT
fsr-3456	189	22	of	of	ADP
fsr-3456	189	23	them	they	PRON
fsr-3456	189	24	are	be	AUX
fsr-3456	189	25	looking	look	VERB
fsr-3456	189	26	years	year	NOUN
fsr-3456	189	27	ahead	ahead	ADV
fsr-3456	189	28	.	.	PUNCT
fsr-3456	190	1	table	table	NOUN
fsr-3456	190	2	3	3	NUM
fsr-3456	190	3	future	future	ADJ
fsr-3456	190	4	expectations	expectation	NOUN
fsr-3456	190	5	descriptive	descriptive	ADJ
fsr-3456	190	6	statistics	statistic	NOUN
fsr-3456	190	7	future	future	ADJ
fsr-3456	190	8	expectations	expectation	NOUN
fsr-3456	190	9	proportion	proportion	NOUN
fsr-3456	190	10	(	(	PUNCT
fsr-3456	190	11	%	%	INTJ
fsr-3456	190	12	)	)	PUNCT
fsr-3456	190	13	mean	mean	VERB
fsr-3456	190	14	sd	sd	ADP
fsr-3456	190	15	positive	positive	ADJ
fsr-3456	190	16	financial	financial	ADJ
fsr-3456	190	17	behaviors	behavior	NOUN
fsr-3456	190	18	i	i	PRON
fsr-3456	190	19	add	add	VERB
fsr-3456	190	20	to	to	ADP
fsr-3456	190	21	my	my	PRON
fsr-3456	190	22	savings	saving	NOUN
fsr-3456	190	23	on	on	ADP
fsr-3456	190	24	a	a	DET
fsr-3456	190	25	regular	regular	ADJ
fsr-3456	190	26	basis	basis	NOUN
fsr-3456	190	27	.	.	PUNCT
fsr-3456	191	1	psav	psav	NOUN
fsr-3456	191	2	2.31	2.31	NUM
fsr-3456	191	3	0.72	0.72	NUM
fsr-3456	191	4	1	1	NUM
fsr-3456	191	5	–	–	PUNCT
fsr-3456	191	6	does	do	AUX
fsr-3456	191	7	not	not	PART
fsr-3456	191	8	describe	describe	VERB
fsr-3456	191	9	me	i	PRON
fsr-3456	191	10	15.20	15.20	NUM
fsr-3456	191	11	2	2	NUM
fsr-3456	191	12	–	–	PUNCT
fsr-3456	191	13	describes	describe	VERB
fsr-3456	191	14	me	i	PRON
fsr-3456	191	15	very	very	ADV
fsr-3456	191	16	little	little	ADV
fsr-3456	191	17	/	/	SYM
fsr-3456	191	18	somewhat	somewhat	ADV
fsr-3456	191	19	describes	describe	VERB
fsr-3456	191	20	me	i	PRON
fsr-3456	191	21	38.48	38.48	NUM
fsr-3456	191	22	3	3	NUM
fsr-3456	191	23	–	–	PUNCT
fsr-3456	191	24	describes	describe	VERB
fsr-3456	191	25	me	i	PRON
fsr-3456	191	26	very	very	ADV
fsr-3456	191	27	well	well	ADV
fsr-3456	191	28	/	/	PUNCT
fsr-3456	191	29	describes	describe	VERB
fsr-3456	191	30	me	i	PRON
fsr-3456	191	31	completely	completely	ADV
fsr-3456	191	32	46.32	46.32	NUM
fsr-3456	191	33	i	i	PRON
fsr-3456	191	34	plan	plan	VERB
fsr-3456	191	35	ahead	ahead	ADV
fsr-3456	191	36	for	for	ADP
fsr-3456	191	37	major	major	ADJ
fsr-3456	191	38	purchases	purchase	NOUN
fsr-3456	191	39	.	.	PUNCT
fsr-3456	192	1	pplan	pplan	NOUN
fsr-3456	192	2	2.54	2.54	NUM
fsr-3456	192	3	0.60	0.60	NUM
fsr-3456	192	4	1	1	NUM
fsr-3456	192	5	–	–	PUNCT
fsr-3456	192	6	does	do	AUX
fsr-3456	192	7	not	not	PART
fsr-3456	192	8	describe	describe	VERB
fsr-3456	192	9	me	i	PRON
fsr-3456	192	10	5.31	5.31	NUM
fsr-3456	192	11	2	2	NUM
fsr-3456	192	12	–	–	PUNCT
fsr-3456	192	13	describes	describe	VERB
fsr-3456	192	14	me	i	PRON
fsr-3456	192	15	very	very	ADV
fsr-3456	192	16	little	little	ADV
fsr-3456	192	17	/	/	SYM
fsr-3456	192	18	somewhat	somewhat	ADV
fsr-3456	192	19	describes	describe	VERB
fsr-3456	192	20	me	i	PRON
fsr-3456	192	21	35.75	35.75	NUM
fsr-3456	192	22	3	3	NUM
fsr-3456	192	23	–	–	PUNCT
fsr-3456	192	24	describes	describe	VERB
fsr-3456	192	25	me	i	PRON
fsr-3456	192	26	very	very	ADV
fsr-3456	192	27	well	well	ADV
fsr-3456	192	28	/	/	PUNCT
fsr-3456	192	29	describes	describe	VERB
fsr-3456	192	30	me	i	PRON
fsr-3456	192	31	completely	completely	ADV
fsr-3456	192	32	58.94	58.94	NUM
fsr-3456	192	33	willingness	willingness	NOUN
fsr-3456	192	34	to	to	PART
fsr-3456	192	35	take	take	VERB
fsr-3456	192	36	investment	investment	NOUN
fsr-3456	192	37	risks	risk	NOUN
fsr-3456	192	38	which	which	PRON
fsr-3456	192	39	of	of	ADP
fsr-3456	192	40	the	the	DET
fsr-3456	192	41	following	following	ADJ
fsr-3456	192	42	statements	statement	NOUN
fsr-3456	192	43	comes	come	VERB
fsr-3456	192	44	closest	close	ADJ
fsr-3456	192	45	to	to	ADP
fsr-3456	192	46	describing	describe	VERB
fsr-3456	192	47	the	the	DET
fsr-3456	192	48	amount	amount	NOUN
fsr-3456	192	49	of	of	ADP
fsr-3456	192	50	financial	financial	ADJ
fsr-3456	192	51	risk	risk	NOUN
fsr-3456	192	52	that	that	SCONJ
fsr-3456	192	53	you	you	PRON
fsr-3456	192	54	are	be	AUX
fsr-3456	192	55	willing	willing	ADJ
fsr-3456	192	56	to	to	PART
fsr-3456	192	57	take	take	VERB
fsr-3456	192	58	with	with	ADP
fsr-3456	192	59	your	your	PRON
fsr-3456	192	60	spare	spare	ADJ
fsr-3456	192	61	cash	cash	NOUN
fsr-3456	192	62	?	?	PUNCT
fsr-3456	193	1	that	that	PRON
fsr-3456	193	2	is	be	AUX
fsr-3456	193	3	,	,	PUNCT
fsr-3456	193	4	cash	cash	NOUN
fsr-3456	193	5	used	use	VERB
fsr-3456	193	6	for	for	ADP
fsr-3456	193	7	savings	saving	NOUN
fsr-3456	193	8	or	or	CCONJ
fsr-3456	193	9	investment	investment	NOUN
fsr-3456	193	10	.	.	PUNCT
fsr-3456	194	1	frisk	frisk	NOUN
fsr-3456	194	2	2.40	2.40	NUM
fsr-3456	194	3	1.03	1.03	NUM
fsr-3456	194	4	1	1	NUM
fsr-3456	194	5	–	–	PUNCT
fsr-3456	194	6	i	i	PRON
fsr-3456	194	7	never	never	ADV
fsr-3456	194	8	have	have	VERB
fsr-3456	194	9	any	any	DET
fsr-3456	194	10	spare	spare	ADJ
fsr-3456	194	11	cash	cash	NOUN
fsr-3456	194	12	20.14	20.14	NUM
fsr-3456	194	13	2	2	NUM
fsr-3456	194	14	–	–	PUNCT
fsr-3456	194	15	i	i	PRON
fsr-3456	194	16	am	be	AUX
fsr-3456	194	17	not	not	PART
fsr-3456	194	18	willing	willing	ADJ
fsr-3456	194	19	to	to	PART
fsr-3456	194	20	take	take	VERB
fsr-3456	194	21	any	any	DET
fsr-3456	194	22	financial	financial	ADJ
fsr-3456	194	23	risks	risk	NOUN
fsr-3456	194	24	36.93	36.93	NUM
fsr-3456	194	25	3	3	NUM
fsr-3456	194	26	–	–	PUNCT
fsr-3456	194	27	i	i	PRON
fsr-3456	194	28	take	take	VERB
fsr-3456	194	29	average	average	ADJ
fsr-3456	194	30	financial	financial	ADJ
fsr-3456	194	31	risks	risk	NOUN
fsr-3456	194	32	expecting	expect	VERB
fsr-3456	194	33	average	average	ADJ
fsr-3456	194	34	returns	return	NOUN
fsr-3456	194	35	29.26	29.26	NUM
fsr-3456	194	36	4	4	NUM
fsr-3456	194	37	–	–	PUNCT
fsr-3456	194	38	i	i	PRON
fsr-3456	194	39	take	take	VERB
fsr-3456	194	40	above	above	ADJ
fsr-3456	194	41	-	-	PUNCT
fsr-3456	194	42	average	average	ADJ
fsr-3456	194	43	financial	financial	ADJ
fsr-3456	194	44	risks	risk	NOUN
fsr-3456	194	45	expecting	expect	VERB
fsr-3456	194	46	to	to	PART
fsr-3456	194	47	earn	earn	VERB
fsr-3456	194	48	above	above	ADP
fsr-3456	194	49	-	-	PUNCT
fsr-3456	194	50	average	average	NOUN
fsr-3456	194	51	returns	return	NOUN
fsr-3456	194	52	10.31	10.31	NUM
fsr-3456	194	53	42.93	42.93	NUM
fsr-3456	194	54	5i	5i	NUM
fsr-3456	194	55	take	take	VERB
fsr-3456	194	56	substantial	substantial	ADJ
fsr-3456	194	57	financial	financial	ADJ
fsr-3456	194	58	risks	risk	NOUN
fsr-3456	194	59	expecting	expect	VERB
fsr-3456	194	60	to	to	PART
fsr-3456	194	61	earn	earn	VERB
fsr-3456	194	62	substantial	substantial	ADJ
fsr-3456	194	63	returns	return	NOUN
fsr-3456	194	64	3.36	3.36	NUM
fsr-3456	194	65	plan	plan	NOUN
fsr-3456	194	66	for	for	ADP
fsr-3456	194	67	money	money	NOUN
fsr-3456	194	68	long	long	ADJ
fsr-3456	194	69	-	-	PUNCT
fsr-3456	194	70	term	term	NOUN
fsr-3456	194	71	in	in	ADP
fsr-3456	194	72	planning	planning	NOUN
fsr-3456	194	73	for	for	ADP
fsr-3456	194	74	saving	save	VERB
fsr-3456	194	75	and	and	CCONJ
fsr-3456	194	76	spending	spending	NOUN
fsr-3456	194	77	,	,	PUNCT
fsr-3456	194	78	which	which	PRON
fsr-3456	194	79	of	of	ADP
fsr-3456	194	80	the	the	DET
fsr-3456	194	81	time	time	NOUN
fsr-3456	194	82	periods	period	NOUN
fsr-3456	194	83	are	be	AUX
fsr-3456	194	84	most	most	ADV
fsr-3456	194	85	important	important	ADJ
fsr-3456	194	86	?	?	PUNCT
fsr-3456	195	1	plan	plan	VERB
fsr-3456	195	2	3.53	3.53	NUM
fsr-3456	195	3	1.20	1.20	NUM
fsr-3456	195	4	1	1	NUM
fsr-3456	195	5	–	–	PUNCT
fsr-3456	195	6	longer	long	ADJ
fsr-3456	195	7	than	than	ADP
fsr-3456	195	8	10	10	NUM
fsr-3456	195	9	years	year	NOUN
fsr-3456	195	10	5.05	5.05	NUM
fsr-3456	195	11	2	2	NUM
fsr-3456	195	12	–	–	PUNCT
fsr-3456	195	13	the	the	DET
fsr-3456	195	14	next	next	ADJ
fsr-3456	195	15	5	5	NUM
fsr-3456	195	16	to	to	PART
fsr-3456	195	17	10	10	NUM
fsr-3456	195	18	years	year	NOUN
fsr-3456	195	19	15.14	15.14	NUM
fsr-3456	195	20	3	3	NUM
fsr-3456	195	21	–	–	PUNCT
fsr-3456	195	22	the	the	DET
fsr-3456	195	23	next	next	ADJ
fsr-3456	195	24	few	few	ADJ
fsr-3456	195	25	years	year	NOUN
fsr-3456	195	26	30.77	30.77	NUM
fsr-3456	195	27	4	4	NUM
fsr-3456	195	28	–	–	PUNCT
fsr-3456	195	29	the	the	DET
fsr-3456	195	30	next	next	ADJ
fsr-3456	195	31	year	year	NOUN
fsr-3456	195	32	19.71	19.71	NUM
fsr-3456	195	33	5	5	NUM
fsr-3456	195	34	–	–	PUNCT
fsr-3456	195	35	the	the	DET
fsr-3456	195	36	next	next	ADJ
fsr-3456	195	37	few	few	ADJ
fsr-3456	195	38	months	month	NOUN
fsr-3456	195	39	29.33	29.33	NUM
fsr-3456	195	40	196	196	NUM
fsr-3456	195	41	t.	t.	PROPN
fsr-3456	195	42	west	west	PROPN
fsr-3456	195	43	et	et	PROPN
fsr-3456	195	44	al	al	PROPN
fsr-3456	195	45	.	.	PUNCT
fsr-3456	195	46	/	/	SYM
fsr-3456	195	47	financial	financial	ADJ
fsr-3456	195	48	services	service	NOUN
fsr-3456	195	49	review	review	VERB
fsr-3456	195	50	29	29	NUM
fsr-3456	195	51	(	(	PUNCT
fsr-3456	195	52	2021	2021	NUM
fsr-3456	195	53	)	)	PUNCT
fsr-3456	196	1	187–207	187–207	NUM
fsr-3456	196	2	control	control	NOUN
fsr-3456	196	3	is	be	AUX
fsr-3456	196	4	a	a	DET
fsr-3456	196	5	set	set	NOUN
fsr-3456	196	6	of	of	ADP
fsr-3456	196	7	constant	constant	ADJ
fsr-3456	196	8	personal	personal	ADJ
fsr-3456	196	9	characteristics	characteristic	NOUN
fsr-3456	196	10	,	,	PUNCT
fsr-3456	196	11	including	include	VERB
fsr-3456	196	12	demographics	demographic	NOUN
fsr-3456	196	13	,	,	PUNCT
fsr-3456	196	14	socioeconomic	socioeconomic	ADJ
fsr-3456	196	15	status	status	NOUN
fsr-3456	196	16	,	,	PUNCT
fsr-3456	196	17	and	and	CCONJ
fsr-3456	196	18	financial	financial	ADJ
fsr-3456	196	19	literacy	literacy	NOUN
fsr-3456	196	20	.	.	PUNCT
fsr-3456	197	1	studies	study	NOUN
fsr-3456	197	2	show	show	VERB
fsr-3456	197	3	that	that	SCONJ
fsr-3456	197	4	gender	gender	NOUN
fsr-3456	197	5	,	,	PUNCT
fsr-3456	197	6	income	income	NOUN
fsr-3456	197	7	,	,	PUNCT
fsr-3456	197	8	education	education	NOUN
fsr-3456	197	9	,	,	PUNCT
fsr-3456	197	10	age	age	NOUN
fsr-3456	197	11	,	,	PUNCT
fsr-3456	197	12	and	and	CCONJ
fsr-3456	197	13	financial	financial	ADJ
fsr-3456	197	14	literacy	literacy	NOUN
fsr-3456	197	15	are	be	AUX
fsr-3456	197	16	related	relate	VERB
fsr-3456	197	17	to	to	ADP
fsr-3456	197	18	financial	financial	ADJ
fsr-3456	197	19	outcomes	outcome	NOUN
fsr-3456	197	20	(	(	PUNCT
fsr-3456	197	21	lusardi	lusardi	PROPN
fsr-3456	197	22	&	&	CCONJ
fsr-3456	197	23	mitchell	mitchell	PROPN
fsr-3456	197	24	,	,	PUNCT
fsr-3456	197	25	2011	2011	NUM
fsr-3456	197	26	)	)	PUNCT
fsr-3456	197	27	.	.	PUNCT
fsr-3456	198	1	the	the	DET
fsr-3456	198	2	descriptive	descriptive	ADJ
fsr-3456	198	3	statistics	statistic	NOUN
fsr-3456	198	4	of	of	ADP
fsr-3456	198	5	gender	gender	NOUN
fsr-3456	198	6	,	,	PUNCT
fsr-3456	198	7	agec	agec	NOUN
fsr-3456	198	8	,	,	PUNCT
fsr-3456	198	9	income	income	NOUN
fsr-3456	198	10	,	,	PUNCT
fsr-3456	198	11	and	and	CCONJ
fsr-3456	198	12	edu	edu	PROPN
fsr-3456	198	13	are	be	AUX
fsr-3456	198	14	presented	present	VERB
fsr-3456	198	15	previously	previously	ADV
fsr-3456	198	16	in	in	ADP
fsr-3456	198	17	table	table	NOUN
fsr-3456	198	18	1	1	NUM
fsr-3456	198	19	.	.	PUNCT
fsr-3456	198	20	table	table	NOUN
fsr-3456	198	21	4	4	NUM
fsr-3456	198	22	provides	provide	VERB
fsr-3456	198	23	detailed	detailed	ADJ
fsr-3456	198	24	information	information	NOUN
fsr-3456	198	25	about	about	ADP
fsr-3456	198	26	the	the	DET
fsr-3456	198	27	financial	financial	ADJ
fsr-3456	198	28	literacy	literacy	NOUN
fsr-3456	198	29	variable(s	variable(s	NOUN
fsr-3456	198	30	)	)	PUNCT
fsr-3456	198	31	.	.	PUNCT
fsr-3456	199	1	as	as	SCONJ
fsr-3456	199	2	financial	financial	ADJ
fsr-3456	199	3	literacy	literacy	NOUN
fsr-3456	199	4	is	be	AUX
fsr-3456	199	5	an	an	DET
fsr-3456	199	6	assessment	assessment	NOUN
fsr-3456	199	7	of	of	ADP
fsr-3456	199	8	objective	objective	ADJ
fsr-3456	199	9	knowledge	knowledge	NOUN
fsr-3456	199	10	of	of	ADP
fsr-3456	199	11	financial	financial	ADJ
fsr-3456	199	12	concepts	concept	NOUN
fsr-3456	199	13	,	,	PUNCT
fsr-3456	199	14	represented	represent	VERB
fsr-3456	199	15	by	by	ADP
fsr-3456	199	16	responses	response	NOUN
fsr-3456	199	17	to	to	ADP
fsr-3456	199	18	the	the	DET
fsr-3456	199	19	“	"	PUNCT
fsr-3456	199	20	big	big	ADJ
fsr-3456	199	21	three	three	NUM
fsr-3456	199	22	”	"	PUNCT
fsr-3456	199	23	questions	question	NOUN
fsr-3456	199	24	on	on	ADP
fsr-3456	199	25	compound	compound	NOUN
fsr-3456	199	26	interest	interest	NOUN
fsr-3456	199	27	,	,	PUNCT
fsr-3456	199	28	inflation	inflation	NOUN
fsr-3456	199	29	and	and	CCONJ
fsr-3456	199	30	diversification	diversification	NOUN
fsr-3456	199	31	,	,	PUNCT
fsr-3456	199	32	it	it	PRON
fsr-3456	199	33	is	be	AUX
fsr-3456	199	34	included	include	VERB
fsr-3456	199	35	as	as	ADP
fsr-3456	199	36	a	a	DET
fsr-3456	199	37	control	control	NOUN
fsr-3456	199	38	and	and	CCONJ
fsr-3456	199	39	not	not	PART
fsr-3456	199	40	a	a	DET
fsr-3456	199	41	predictive	predictive	ADJ
fsr-3456	199	42	variable	variable	NOUN
fsr-3456	199	43	so	so	SCONJ
fsr-3456	199	44	as	as	SCONJ
fsr-3456	199	45	not	not	PART
fsr-3456	199	46	to	to	PART
fsr-3456	199	47	confuse	confuse	VERB
fsr-3456	199	48	the	the	DET
fsr-3456	199	49	constructs	construct	NOUN
fsr-3456	199	50	with	with	ADP
fsr-3456	199	51	a	a	DET
fsr-3456	199	52	correlation	correlation	NOUN
fsr-3456	199	53	with	with	ADP
fsr-3456	199	54	financial	financial	ADJ
fsr-3456	199	55	literacy	literacy	NOUN
fsr-3456	199	56	.	.	PUNCT
fsr-3456	200	1	the	the	DET
fsr-3456	200	2	responses	response	NOUN
fsr-3456	200	3	to	to	ADP
fsr-3456	200	4	the	the	DET
fsr-3456	200	5	three	three	NUM
fsr-3456	200	6	financial	financial	ADJ
fsr-3456	200	7	literacy	literacy	NOUN
fsr-3456	200	8	questions	question	NOUN
fsr-3456	200	9	in	in	ADP
fsr-3456	200	10	table	table	NOUN
fsr-3456	200	11	4	4	NUM
fsr-3456	200	12	are	be	AUX
fsr-3456	200	13	of	of	ADP
fsr-3456	200	14	interest	interest	NOUN
fsr-3456	200	15	.	.	PUNCT
fsr-3456	201	1	“	"	PUNCT
fsr-3456	201	2	no	no	INTJ
fsr-3456	201	3	”	"	PUNCT
fsr-3456	201	4	is	be	AUX
fsr-3456	201	5	the	the	DET
fsr-3456	201	6	correct	correct	ADJ
fsr-3456	201	7	answer	answer	NOUN
fsr-3456	201	8	for	for	ADP
fsr-3456	201	9	all	all	DET
fsr-3456	201	10	three	three	NUM
fsr-3456	201	11	questions	question	NOUN
fsr-3456	201	12	.	.	PUNCT
fsr-3456	202	1	students	student	NOUN
fsr-3456	202	2	generally	generally	ADV
fsr-3456	202	3	do	do	VERB
fsr-3456	202	4	well	well	ADV
fsr-3456	202	5	on	on	ADP
fsr-3456	202	6	the	the	DET
fsr-3456	202	7	first	first	ADJ
fsr-3456	202	8	question	question	NOUN
fsr-3456	202	9	regarding	regard	VERB
fsr-3456	202	10	compound	compound	NOUN
fsr-3456	202	11	interest	interest	NOUN
fsr-3456	202	12	(	(	PUNCT
fsr-3456	202	13	finlc	finlc	PROPN
fsr-3456	202	14	)	)	PUNCT
fsr-3456	202	15	,	,	PUNCT
fsr-3456	202	16	with	with	ADP
fsr-3456	202	17	70.95	70.95	NUM
fsr-3456	202	18	%	%	NOUN
fsr-3456	202	19	of	of	ADP
fsr-3456	202	20	respondents	respondent	NOUN
fsr-3456	202	21	correct	correct	ADJ
fsr-3456	202	22	.	.	PUNCT
fsr-3456	203	1	however	however	ADV
fsr-3456	203	2	,	,	PUNCT
fsr-3456	203	3	only	only	ADV
fsr-3456	203	4	45.71	45.71	NUM
fsr-3456	203	5	%	%	NOUN
fsr-3456	203	6	of	of	ADP
fsr-3456	203	7	students	student	NOUN
fsr-3456	203	8	responded	respond	VERB
fsr-3456	203	9	correctly	correctly	ADV
fsr-3456	203	10	for	for	ADP
fsr-3456	203	11	the	the	DET
fsr-3456	203	12	second	second	ADJ
fsr-3456	203	13	question	question	NOUN
fsr-3456	203	14	on	on	ADP
fsr-3456	203	15	inflation	inflation	NOUN
fsr-3456	203	16	(	(	PUNCT
fsr-3456	203	17	finli	finli	NOUN
fsr-3456	203	18	)	)	PUNCT
fsr-3456	203	19	and	and	CCONJ
fsr-3456	203	20	34.29	34.29	NUM
fsr-3456	203	21	%	%	NOUN
fsr-3456	203	22	were	be	AUX
fsr-3456	203	23	correct	correct	ADJ
fsr-3456	203	24	for	for	ADP
fsr-3456	203	25	the	the	DET
fsr-3456	203	26	third	third	ADJ
fsr-3456	203	27	question	question	NOUN
fsr-3456	203	28	on	on	ADP
fsr-3456	203	29	diversification	diversification	NOUN
fsr-3456	203	30	(	(	PUNCT
fsr-3456	203	31	finld	finld	NOUN
fsr-3456	203	32	)	)	PUNCT
fsr-3456	203	33	.	.	PUNCT
fsr-3456	204	1	respondents	respondent	NOUN
fsr-3456	204	2	to	to	ADP
fsr-3456	204	3	this	this	DET
fsr-3456	204	4	survey	survey	NOUN
fsr-3456	204	5	underperform	underperform	NOUN
fsr-3456	204	6	the	the	DET
fsr-3456	204	7	general	general	ADJ
fsr-3456	204	8	population	population	NOUN
fsr-3456	204	9	,	,	PUNCT
fsr-3456	204	10	measured	measure	VERB
fsr-3456	204	11	by	by	ADP
fsr-3456	204	12	responses	response	NOUN
fsr-3456	204	13	to	to	ADP
fsr-3456	204	14	the	the	DET
fsr-3456	204	15	same	same	ADJ
fsr-3456	204	16	questions	question	NOUN
fsr-3456	204	17	in	in	ADP
fsr-3456	204	18	the	the	DET
fsr-3456	204	19	household	household	NOUN
fsr-3456	204	20	,	,	PUNCT
fsr-3456	204	21	income	income	NOUN
fsr-3456	204	22	,	,	PUNCT
fsr-3456	204	23	and	and	CCONJ
fsr-3456	204	24	labor	labor	NOUN
fsr-3456	204	25	dynamics	dynamic	NOUN
fsr-3456	204	26	in	in	ADP
fsr-3456	204	27	australia	australia	PROPN
fsr-3456	204	28	(	(	PUNCT
fsr-3456	204	29	hilda	hilda	PROPN
fsr-3456	204	30	)	)	PUNCT
fsr-3456	204	31	survey	survey	NOUN
fsr-3456	204	32	(	(	PUNCT
fsr-3456	204	33	wilkins	wilkin	NOUN
fsr-3456	204	34	,	,	PUNCT
fsr-3456	204	35	2018	2018	NUM
fsr-3456	204	36	)	)	PUNCT
fsr-3456	204	37	.	.	PUNCT
fsr-3456	205	1	for	for	ADP
fsr-3456	205	2	comparison	comparison	NOUN
fsr-3456	205	3	purposes	purpose	NOUN
fsr-3456	205	4	,	,	PUNCT
fsr-3456	205	5	85.5	85.5	NUM
fsr-3456	205	6	%	%	NOUN
fsr-3456	205	7	of	of	ADP
fsr-3456	205	8	the	the	DET
fsr-3456	205	9	australian	australian	ADJ
fsr-3456	205	10	population	population	NOUN
fsr-3456	205	11	select	select	VERB
fsr-3456	205	12	the	the	DET
fsr-3456	205	13	correct	correct	ADJ
fsr-3456	205	14	answer	answer	NOUN
fsr-3456	205	15	for	for	ADP
fsr-3456	205	16	the	the	DET
fsr-3456	205	17	compound	compound	NOUN
fsr-3456	205	18	interest	interest	NOUN
fsr-3456	205	19	question	question	NOUN
fsr-3456	205	20	,	,	PUNCT
fsr-3456	205	21	69.8	69.8	NUM
fsr-3456	205	22	%	%	NOUN
fsr-3456	205	23	for	for	ADP
fsr-3456	205	24	the	the	DET
fsr-3456	205	25	inflation	inflation	NOUN
fsr-3456	205	26	question	question	NOUN
fsr-3456	205	27	,	,	PUNCT
fsr-3456	205	28	and	and	CCONJ
fsr-3456	205	29	74.9	74.9	NUM
fsr-3456	205	30	%	%	NOUN
fsr-3456	205	31	for	for	ADP
fsr-3456	205	32	the	the	DET
fsr-3456	205	33	diversification	diversification	NOUN
fsr-3456	205	34	question	question	NOUN
fsr-3456	205	35	(	(	PUNCT
fsr-3456	205	36	wilkins	wilkin	NOUN
fsr-3456	205	37	,	,	PUNCT
fsr-3456	205	38	2018	2018	NUM
fsr-3456	205	39	)	)	PUNCT
fsr-3456	205	40	.	.	PUNCT
fsr-3456	206	1	we	we	PRON
fsr-3456	206	2	sum	sum	VERB
fsr-3456	206	3	the	the	DET
fsr-3456	206	4	responses	response	NOUN
fsr-3456	206	5	to	to	PART
fsr-3456	206	6	create	create	VERB
fsr-3456	206	7	a	a	DET
fsr-3456	206	8	single	single	ADJ
fsr-3456	206	9	financial	financial	ADJ
fsr-3456	206	10	literacy	literacy	NOUN
fsr-3456	206	11	score	score	NOUN
fsr-3456	206	12	(	(	PUNCT
fsr-3456	206	13	finlitscore	finlitscore	NOUN
fsr-3456	206	14	)	)	PUNCT
fsr-3456	206	15	.	.	PUNCT
fsr-3456	207	1	those	those	PRON
fsr-3456	207	2	with	with	ADP
fsr-3456	207	3	a	a	DET
fsr-3456	207	4	score	score	NOUN
fsr-3456	207	5	of	of	ADP
fsr-3456	207	6	3	3	NUM
fsr-3456	207	7	responded	respond	VERB
fsr-3456	207	8	correctly	correctly	ADV
fsr-3456	207	9	to	to	ADP
fsr-3456	207	10	all	all	DET
fsr-3456	207	11	three	three	NUM
fsr-3456	207	12	questions	question	NOUN
fsr-3456	207	13	,	,	PUNCT
fsr-3456	207	14	which	which	PRON
fsr-3456	207	15	is	be	AUX
fsr-3456	207	16	just	just	ADV
fsr-3456	207	17	under	under	ADP
fsr-3456	207	18	a	a	DET
fsr-3456	207	19	quarter	quarter	NOUN
fsr-3456	207	20	of	of	ADP
fsr-3456	207	21	respondents	respondent	NOUN
fsr-3456	207	22	(	(	PUNCT
fsr-3456	207	23	24.05	24.05	NUM
fsr-3456	207	24	%	%	NOUN
fsr-3456	207	25	)	)	PUNCT
fsr-3456	207	26	.	.	PUNCT
fsr-3456	208	1	table	table	NOUN
fsr-3456	208	2	4	4	NUM
fsr-3456	208	3	financial	financial	ADJ
fsr-3456	208	4	literacy	literacy	NOUN
fsr-3456	208	5	descriptive	descriptive	ADJ
fsr-3456	208	6	statistics	statistic	NOUN
fsr-3456	208	7	financial	financial	ADJ
fsr-3456	208	8	literacy	literacy	NOUN
fsr-3456	208	9	proportion	proportion	NOUN
fsr-3456	208	10	(	(	PUNCT
fsr-3456	208	11	%	%	INTJ
fsr-3456	208	12	)	)	PUNCT
fsr-3456	209	1	mean	mean	VERB
fsr-3456	209	2	sd	sd	INTJ
fsr-3456	209	3	if	if	SCONJ
fsr-3456	209	4	you	you	PRON
fsr-3456	209	5	invested	invest	VERB
fsr-3456	209	6	$	$	SYM
fsr-3456	209	7	100	100	NUM
fsr-3456	209	8	today	today	NOUN
fsr-3456	209	9	and	and	CCONJ
fsr-3456	209	10	the	the	DET
fsr-3456	209	11	interest	interest	NOUN
fsr-3456	209	12	rate	rate	NOUN
fsr-3456	209	13	was	be	AUX
fsr-3456	209	14	2	2	NUM
fsr-3456	209	15	%	%	NOUN
fsr-3456	209	16	per	per	ADP
fsr-3456	209	17	year	year	NOUN
fsr-3456	209	18	your	your	PRON
fsr-3456	209	19	bank	bank	NOUN
fsr-3456	209	20	account	account	NOUN
fsr-3456	209	21	balance	balance	NOUN
fsr-3456	209	22	after	after	ADP
fsr-3456	209	23	five	five	NUM
fsr-3456	209	24	years	year	NOUN
fsr-3456	209	25	would	would	AUX
fsr-3456	209	26	be	be	AUX
fsr-3456	209	27	exactly	exactly	ADV
fsr-3456	209	28	$	$	SYM
fsr-3456	209	29	102	102	NUM
fsr-3456	209	30	finlc	finlc	NOUN
fsr-3456	209	31	2.38	2.38	NUM
fsr-3456	209	32	1.05	1.05	NUM
fsr-3456	209	33	3	3	NUM
fsr-3456	209	34	no	no	DET
fsr-3456	209	35	70.95	70.95	NUM
fsr-3456	209	36	2	2	NUM
fsr-3456	209	37	yes	yes	NOUN
fsr-3456	209	38	6.19	6.19	NUM
fsr-3456	209	39	1	1	NUM
fsr-3456	209	40	unsure	unsure	ADJ
fsr-3456	209	41	12.62	12.62	NUM
fsr-3456	209	42	0	0	NUM
fsr-3456	209	43	do	do	AUX
fsr-3456	209	44	n’t	not	PART
fsr-3456	209	45	care	care	VERB
fsr-3456	209	46	10.24	10.24	NUM
fsr-3456	209	47	after	after	ADP
fsr-3456	209	48	1	1	NUM
fsr-3456	209	49	year	year	NOUN
fsr-3456	209	50	you	you	PRON
fsr-3456	209	51	would	would	AUX
fsr-3456	209	52	be	be	AUX
fsr-3456	209	53	able	able	ADJ
fsr-3456	209	54	to	to	PART
fsr-3456	209	55	buy	buy	VERB
fsr-3456	209	56	more	more	ADJ
fsr-3456	209	57	than	than	ADP
fsr-3456	209	58	today	today	NOUN
fsr-3456	209	59	if	if	SCONJ
fsr-3456	209	60	you	you	PRON
fsr-3456	209	61	invested	invest	VERB
fsr-3456	209	62	$	$	SYM
fsr-3456	209	63	100	100	NUM
fsr-3456	209	64	in	in	ADP
fsr-3456	209	65	your	your	PRON
fsr-3456	209	66	bank	bank	NOUN
fsr-3456	209	67	account	account	NOUN
fsr-3456	209	68	today	today	NOUN
fsr-3456	209	69	at	at	ADP
fsr-3456	209	70	an	an	DET
fsr-3456	209	71	interest	interest	NOUN
fsr-3456	209	72	rate	rate	NOUN
fsr-3456	209	73	of	of	ADP
fsr-3456	209	74	1	1	NUM
fsr-3456	209	75	%	%	NOUN
fsr-3456	209	76	per	per	ADP
fsr-3456	209	77	year	year	NOUN
fsr-3456	209	78	when	when	SCONJ
fsr-3456	209	79	inflation	inflation	NOUN
fsr-3456	209	80	is	be	AUX
fsr-3456	209	81	2	2	NUM
fsr-3456	209	82	%	%	NOUN
fsr-3456	209	83	per	per	ADP
fsr-3456	209	84	year	year	NOUN
fsr-3456	209	85	finli	finli	NOUN
fsr-3456	209	86	1.94	1.94	NUM
fsr-3456	209	87	1.10	1.10	NUM
fsr-3456	209	88	3	3	NUM
fsr-3456	209	89	no	no	DET
fsr-3456	209	90	45.71	45.71	NUM
fsr-3456	209	91	2	2	NUM
fsr-3456	209	92	yes	yes	NOUN
fsr-3456	209	93	14.29	14.29	NUM
fsr-3456	209	94	1	1	NUM
fsr-3456	209	95	unsure	unsure	ADJ
fsr-3456	209	96	27.86	27.86	NUM
fsr-3456	209	97	0	0	NUM
fsr-3456	209	98	do	do	AUX
fsr-3456	209	99	n’t	not	PART
fsr-3456	209	100	care	care	VERB
fsr-3456	209	101	12.14	12.14	NUM
fsr-3456	209	102	buying	buying	NOUN
fsr-3456	209	103	shares	share	NOUN
fsr-3456	209	104	in	in	ADP
fsr-3456	209	105	a	a	DET
fsr-3456	209	106	single	single	ADJ
fsr-3456	209	107	company	company	NOUN
fsr-3456	209	108	usually	usually	ADV
fsr-3456	209	109	provides	provide	VERB
fsr-3456	209	110	a	a	DET
fsr-3456	209	111	safer	safe	ADJ
fsr-3456	209	112	return	return	NOUN
fsr-3456	209	113	than	than	ADP
fsr-3456	209	114	buying	buy	VERB
fsr-3456	209	115	units	unit	NOUN
fsr-3456	209	116	in	in	ADP
fsr-3456	209	117	a	a	DET
fsr-3456	209	118	managed	manage	VERB
fsr-3456	209	119	share	share	NOUN
fsr-3456	209	120	fund	fund	NOUN
fsr-3456	209	121	finld	finld	NOUN
fsr-3456	209	122	1.63	1.63	NUM
fsr-3456	209	123	1.07	1.07	NUM
fsr-3456	209	124	3	3	NUM
fsr-3456	209	125	no	no	DET
fsr-3456	209	126	34.29	34.29	NUM
fsr-3456	209	127	2	2	NUM
fsr-3456	210	1	yes	yes	NOUN
fsr-3456	210	2	5.48	5.48	NUM
fsr-3456	210	3	1	1	NUM
fsr-3456	210	4	unsure	unsure	ADJ
fsr-3456	210	5	49.29	49.29	NUM
fsr-3456	210	6	0	0	NUM
fsr-3456	210	7	do	do	AUX
fsr-3456	210	8	n’t	not	PART
fsr-3456	210	9	care	care	VERB
fsr-3456	210	10	10.95	10.95	NUM
fsr-3456	210	11	financial	financial	ADJ
fsr-3456	210	12	literacy	literacy	NOUN
fsr-3456	210	13	score	score	NOUN
fsr-3456	210	14	finlitscore	finlitscore	VERB
fsr-3456	210	15	1.51	1.51	NUM
fsr-3456	210	16	1.10	1.10	NUM
fsr-3456	210	17	0	0	NUM
fsr-3456	210	18	–	–	PUNCT
fsr-3456	210	19	0	0	NUM
fsr-3456	210	20	correct	correct	ADJ
fsr-3456	210	21	23.57	23.57	NUM
fsr-3456	210	22	1	1	NUM
fsr-3456	210	23	–	–	PUNCT
fsr-3456	210	24	1	1	NUM
fsr-3456	210	25	correct	correct	ADJ
fsr-3456	210	26	25.95	25.95	NUM
fsr-3456	210	27	2	2	NUM
fsr-3456	210	28	–	–	PUNCT
fsr-3456	210	29	2	2	NUM
fsr-3456	210	30	correct	correct	ADJ
fsr-3456	210	31	26.43	26.43	NUM
fsr-3456	210	32	3	3	NUM
fsr-3456	210	33	–	–	PUNCT
fsr-3456	210	34	all	all	PRON
fsr-3456	210	35	correct	correct	ADJ
fsr-3456	210	36	24.05	24.05	NUM
fsr-3456	211	1	t.	t.	NOUN
fsr-3456	211	2	west	west	PROPN
fsr-3456	211	3	et	et	PROPN
fsr-3456	211	4	al	al	PROPN
fsr-3456	211	5	.	.	PUNCT
fsr-3456	211	6	/	/	SYM
fsr-3456	211	7	financial	financial	ADJ
fsr-3456	211	8	services	service	NOUN
fsr-3456	211	9	review	review	VERB
fsr-3456	211	10	29	29	NUM
fsr-3456	211	11	(	(	PUNCT
fsr-3456	211	12	2021	2021	NUM
fsr-3456	211	13	)	)	PUNCT
fsr-3456	211	14	187–207	187–207	NUM
fsr-3456	211	15	197	197	NUM
fsr-3456	211	16	finally	finally	ADV
fsr-3456	211	17	,	,	PUNCT
fsr-3456	211	18	the	the	DET
fsr-3456	211	19	dependent	dependent	ADJ
fsr-3456	211	20	variable	variable	NOUN
fsr-3456	211	21	of	of	ADP
fsr-3456	211	22	interest	interest	NOUN
fsr-3456	211	23	is	be	AUX
fsr-3456	211	24	finsat	finsat	VERB
fsr-3456	211	25	.	.	PUNCT
fsr-3456	212	1	finsat	finsat	VERB
fsr-3456	212	2	is	be	AUX
fsr-3456	212	3	the	the	DET
fsr-3456	212	4	response	response	NOUN
fsr-3456	212	5	to	to	ADP
fsr-3456	212	6	“	"	PUNCT
fsr-3456	212	7	on	on	ADP
fsr-3456	212	8	a	a	DET
fsr-3456	212	9	scale	scale	NOUN
fsr-3456	212	10	of	of	ADP
fsr-3456	212	11	1	1	NUM
fsr-3456	212	12	to	to	PART
fsr-3456	212	13	10	10	NUM
fsr-3456	212	14	,	,	PUNCT
fsr-3456	212	15	with	with	ADP
fsr-3456	212	16	10	10	NUM
fsr-3456	212	17	being	be	AUX
fsr-3456	212	18	totally	totally	ADV
fsr-3456	212	19	satisfied	satisfied	ADJ
fsr-3456	212	20	,	,	PUNCT
fsr-3456	212	21	all	all	DET
fsr-3456	212	22	things	thing	NOUN
fsr-3456	212	23	considered	consider	VERB
fsr-3456	212	24	,	,	PUNCT
fsr-3456	212	25	how	how	SCONJ
fsr-3456	212	26	satisfied	satisfied	ADJ
fsr-3456	212	27	are	be	AUX
fsr-3456	212	28	you	you	PRON
fsr-3456	212	29	with	with	ADP
fsr-3456	212	30	your	your	PRON
fsr-3456	212	31	financial	financial	ADJ
fsr-3456	212	32	situation	situation	NOUN
fsr-3456	212	33	?	?	PUNCT
fsr-3456	212	34	”	"	PUNCT
fsr-3456	212	35	fig	fig	NOUN
fsr-3456	212	36	.	.	PUNCT
fsr-3456	212	37	2	2	NUM
fsr-3456	212	38	provides	provide	VERB
fsr-3456	212	39	the	the	DET
fsr-3456	212	40	distribution	distribution	NOUN
fsr-3456	212	41	of	of	ADP
fsr-3456	212	42	responses	response	NOUN
fsr-3456	212	43	.	.	PUNCT
fsr-3456	213	1	the	the	DET
fsr-3456	213	2	mean	mean	NOUN
fsr-3456	213	3	is	be	AUX
fsr-3456	213	4	5.35	5.35	NUM
fsr-3456	213	5	(	(	PUNCT
fsr-3456	213	6	sd	sd	NOUN
fsr-3456	213	7	=	=	SYM
fsr-3456	213	8	2.48	2.48	NUM
fsr-3456	213	9	)	)	PUNCT
fsr-3456	213	10	,	,	PUNCT
fsr-3456	213	11	indicating	indicate	VERB
fsr-3456	213	12	that	that	SCONJ
fsr-3456	213	13	overall	overall	ADJ
fsr-3456	213	14	respondents	respondent	NOUN
fsr-3456	213	15	are	be	AUX
fsr-3456	213	16	more	more	ADV
fsr-3456	213	17	satisfied	satisfied	ADJ
fsr-3456	213	18	than	than	ADP
fsr-3456	213	19	not	not	PART
fsr-3456	213	20	with	with	ADP
fsr-3456	213	21	their	their	PRON
fsr-3456	213	22	financial	financial	ADJ
fsr-3456	213	23	situation	situation	NOUN
fsr-3456	213	24	.	.	PUNCT
fsr-3456	214	1	due	due	ADP
fsr-3456	214	2	to	to	ADP
fsr-3456	214	3	the	the	DET
fsr-3456	214	4	ordered	order	VERB
fsr-3456	214	5	nature	nature	NOUN
fsr-3456	214	6	of	of	ADP
fsr-3456	214	7	this	this	DET
fsr-3456	214	8	variable	variable	NOUN
fsr-3456	214	9	,	,	PUNCT
fsr-3456	214	10	we	we	PRON
fsr-3456	214	11	employ	employ	VERB
fsr-3456	214	12	an	an	DET
fsr-3456	214	13	ordered	order	VERB
fsr-3456	214	14	logit	logit	NOUN
fsr-3456	214	15	model	model	NOUN
fsr-3456	214	16	for	for	ADP
fsr-3456	214	17	analysis	analysis	NOUN
fsr-3456	214	18	.	.	PUNCT
fsr-3456	215	1	this	this	DET
fsr-3456	215	2	analytical	analytical	ADJ
fsr-3456	215	3	technique	technique	NOUN
fsr-3456	215	4	is	be	AUX
fsr-3456	215	5	appropriate	appropriate	ADJ
fsr-3456	215	6	as	as	SCONJ
fsr-3456	215	7	the	the	DET
fsr-3456	215	8	dependent	dependent	ADJ
fsr-3456	215	9	variable	variable	NOUN
fsr-3456	215	10	is	be	AUX
fsr-3456	215	11	discrete	discrete	ADJ
fsr-3456	215	12	(	(	PUNCT
fsr-3456	215	13	that	that	PRON
fsr-3456	215	14	is	is	ADV
fsr-3456	215	15	,	,	PUNCT
fsr-3456	215	16	can	can	AUX
fsr-3456	215	17	only	only	ADV
fsr-3456	215	18	take	take	VERB
fsr-3456	215	19	the	the	DET
fsr-3456	215	20	values	value	NOUN
fsr-3456	215	21	of	of	ADP
fsr-3456	215	22	1	1	NUM
fsr-3456	215	23	through	through	ADP
fsr-3456	215	24	10	10	NUM
fsr-3456	215	25	)	)	PUNCT
fsr-3456	215	26	and	and	CCONJ
fsr-3456	215	27	the	the	DET
fsr-3456	215	28	values	value	NOUN
fsr-3456	215	29	in	in	ADP
fsr-3456	215	30	each	each	DET
fsr-3456	215	31	category	category	NOUN
fsr-3456	215	32	have	have	VERB
fsr-3456	215	33	a	a	DET
fsr-3456	215	34	meaningful	meaningful	ADJ
fsr-3456	215	35	sequential	sequential	ADJ
fsr-3456	215	36	order	order	NOUN
fsr-3456	215	37	(	(	PUNCT
fsr-3456	215	38	west	west	PROPN
fsr-3456	215	39	&	&	CCONJ
fsr-3456	215	40	worthington	worthington	PROPN
fsr-3456	215	41	,	,	PUNCT
fsr-3456	215	42	2014	2014	NUM
fsr-3456	215	43	)	)	PUNCT
fsr-3456	215	44	.	.	PUNCT
fsr-3456	216	1	the	the	DET
fsr-3456	216	2	ordered	order	VERB
fsr-3456	216	3	logit	logit	PROPN
fsr-3456	216	4	model	model	NOUN
fsr-3456	216	5	estimates	estimate	VERB
fsr-3456	216	6	an	an	DET
fsr-3456	216	7	underlying	underlie	VERB
fsr-3456	216	8	score	score	NOUN
fsr-3456	216	9	as	as	ADP
fsr-3456	216	10	a	a	DET
fsr-3456	216	11	linear	linear	ADJ
fsr-3456	216	12	function	function	NOUN
fsr-3456	216	13	of	of	ADP
fsr-3456	216	14	the	the	DET
fsr-3456	216	15	independent	independent	ADJ
fsr-3456	216	16	variables	variable	NOUN
fsr-3456	216	17	and	and	CCONJ
fsr-3456	216	18	a	a	DET
fsr-3456	216	19	set	set	NOUN
fsr-3456	216	20	of	of	ADP
fsr-3456	216	21	cut	cut	NOUN
fsr-3456	216	22	-	-	PUNCT
fsr-3456	216	23	points	point	NOUN
fsr-3456	216	24	(	(	PUNCT
fsr-3456	216	25	cameron	cameron	PROPN
fsr-3456	216	26	&	&	CCONJ
fsr-3456	216	27	trivedi	trivedi	PROPN
fsr-3456	216	28	,	,	PUNCT
fsr-3456	216	29	2009	2009	NUM
fsr-3456	216	30	)	)	PUNCT
fsr-3456	216	31	,	,	PUNCT
fsr-3456	216	32	and	and	CCONJ
fsr-3456	216	33	the	the	DET
fsr-3456	216	34	probability	probability	NOUN
fsr-3456	216	35	of	of	ADP
fsr-3456	216	36	observing	observe	VERB
fsr-3456	216	37	outcome	outcome	NOUN
fsr-3456	216	38	i	i	PRON
fsr-3456	216	39	corresponds	correspond	VERB
fsr-3456	216	40	to	to	ADP
fsr-3456	216	41	the	the	DET
fsr-3456	216	42	probability	probability	NOUN
fsr-3456	216	43	that	that	SCONJ
fsr-3456	216	44	the	the	DET
fsr-3456	216	45	estimated	estimate	VERB
fsr-3456	216	46	linear	linear	ADJ
fsr-3456	216	47	function	function	NOUN
fsr-3456	216	48	plus	plus	CCONJ
fsr-3456	216	49	random	random	ADJ
fsr-3456	216	50	error	error	NOUN
fsr-3456	216	51	is	be	AUX
fsr-3456	216	52	within	within	ADP
fsr-3456	216	53	the	the	DET
fsr-3456	216	54	range	range	NOUN
fsr-3456	216	55	of	of	ADP
fsr-3456	216	56	the	the	DET
fsr-3456	216	57	cut	cut	VERB
fsr-3456	216	58	-	-	PUNCT
fsr-3456	216	59	points	point	NOUN
fsr-3456	216	60	estimated	estimate	VERB
fsr-3456	216	61	for	for	ADP
fsr-3456	216	62	the	the	DET
fsr-3456	216	63	outcome	outcome	NOUN
fsr-3456	216	64	:	:	PUNCT
fsr-3456	216	65	pr	pr	PART
fsr-3456	216	66	outcomej	outcomej	VERB
fsr-3456	216	67	¼	¼	NOUN
fsr-3456	216	68	ið	ið	NOUN
fsr-3456	216	69	þ	þ	PROPN
fsr-3456	216	70	¼	¼	NOUN
fsr-3456	216	71	pr	pr	X
fsr-3456	216	72	ki	ki	PROPN
fsr-3456	216	73	�	�	PROPN
fsr-3456	216	74	1	1	NUM
fsr-3456	216	75	<	<	X
fsr-3456	216	76	b	b	PROPN
fsr-3456	216	77	ixij	ixij	PROPN
fsr-3456	216	78	þ	þ	PROPN
fsr-3456	216	79	b	b	PROPN
fsr-3456	217	1	2x2j	2x2j	NUM
fsr-3456	217	2	þ	þ	NOUN
fsr-3456	217	3	.	.	PUNCT
fsr-3456	217	4	.	.	PUNCT
fsr-3456	218	1	.þ	.þ	PROPN
fsr-3456	219	1	b	b	X
fsr-3456	219	2	kxkj	kxkj	ADV
fsr-3456	219	3	þ	þ	PROPN
fsr-3456	219	4	uj	uj	PROPN
fsr-3456	219	5	≤	≤	NUM
fsr-3456	219	6	kið	kið	PROPN
fsr-3456	219	7	þ	þ	PROPN
fsr-3456	219	8	where	where	SCONJ
fsr-3456	219	9	uj	uj	PROPN
fsr-3456	219	10	is	be	AUX
fsr-3456	219	11	logistically	logistically	ADV
fsr-3456	219	12	distributed	distribute	VERB
fsr-3456	219	13	in	in	ADP
fsr-3456	219	14	the	the	DET
fsr-3456	219	15	ordered	order	VERB
fsr-3456	219	16	logit	logit	PROPN
fsr-3456	219	17	,	,	PUNCT
fsr-3456	219	18	xkj	xkj	PROPN
fsr-3456	219	19	is	be	AUX
fsr-3456	219	20	a	a	DET
fsr-3456	219	21	vector	vector	NOUN
fsr-3456	219	22	of	of	ADP
fsr-3456	219	23	control	control	NOUN
fsr-3456	219	24	variables	variable	NOUN
fsr-3456	219	25	with	with	ADP
fsr-3456	219	26	estimated	estimate	VERB
fsr-3456	219	27	coefficients	coefficient	NOUN
fsr-3456	219	28	b1	b1	PROPN
fsr-3456	219	29	,	,	PUNCT
fsr-3456	219	30	b2	b2	NOUN
fsr-3456	219	31	,	,	PUNCT
fsr-3456	219	32	.	.	PUNCT
fsr-3456	219	33	.	.	PUNCT
fsr-3456	219	34	.	.	PUNCT
fsr-3456	220	1	bk	bk	NOUN
fsr-3456	220	2	and	and	CCONJ
fsr-3456	220	3	cut	cut	VERB
fsr-3456	220	4	-	-	PUNCT
fsr-3456	220	5	points	point	NOUN
fsr-3456	220	6	k1	k1	NOUN
fsr-3456	220	7	,	,	PUNCT
fsr-3456	220	8	k2	k2	NOUN
fsr-3456	220	9	,	,	PUNCT
fsr-3456	220	10	.	.	PUNCT
fsr-3456	220	11	.	.	PUNCT
fsr-3456	220	12	.	.	PUNCT
fsr-3456	221	1	kk-1	kk-1	PROPN
fsr-3456	221	2	,	,	PUNCT
fsr-3456	221	3	where	where	SCONJ
fsr-3456	221	4	k	k	PROPN
fsr-3456	221	5	is	be	AUX
fsr-3456	221	6	the	the	DET
fsr-3456	221	7	number	number	NOUN
fsr-3456	221	8	of	of	ADP
fsr-3456	221	9	possible	possible	ADJ
fsr-3456	221	10	outcomes	outcome	NOUN
fsr-3456	221	11	,	,	PUNCT
fsr-3456	221	12	k0	k0	PROPN
fsr-3456	221	13	is	be	AUX
fsr-3456	221	14	taken	take	VERB
fsr-3456	221	15	as	as	ADP
fsr-3456	221	16	–	–	PUNCT
fsr-3456	221	17	1	1	NUM
fsr-3456	221	18	,	,	PUNCT
fsr-3456	221	19	and	and	CCONJ
fsr-3456	221	20	kk	kk	PROPN
fsr-3456	221	21	is	be	AUX
fsr-3456	221	22	taken	take	VERB
fsr-3456	221	23	as	as	ADP
fsr-3456	221	24	+1	+1	PROPN
fsr-3456	221	25	.	.	PUNCT
fsr-3456	222	1	the	the	DET
fsr-3456	222	2	estimated	estimate	VERB
fsr-3456	222	3	coefficients	coefficient	NOUN
fsr-3456	222	4	b	b	PROPN
fsr-3456	222	5	and	and	CCONJ
fsr-3456	222	6	the	the	DET
fsr-3456	222	7	cut	cut	VERB
fsr-3456	222	8	-	-	PUNCT
fsr-3456	222	9	point	point	NOUN
fsr-3456	222	10	parameters	parameter	NOUN
fsr-3456	222	11	are	be	AUX
fsr-3456	222	12	obtained	obtain	VERB
fsr-3456	222	13	using	use	VERB
fsr-3456	222	14	maximum	maximum	ADJ
fsr-3456	222	15	likelihood	likelihood	NOUN
fsr-3456	222	16	methods	method	NOUN
fsr-3456	222	17	.	.	PUNCT
fsr-3456	223	1	the	the	DET
fsr-3456	223	2	sign	sign	NOUN
fsr-3456	223	3	of	of	ADP
fsr-3456	223	4	the	the	DET
fsr-3456	223	5	estimated	estimate	VERB
fsr-3456	223	6	coefficients	coefficient	NOUN
fsr-3456	223	7	can	can	AUX
fsr-3456	223	8	be	be	AUX
fsr-3456	223	9	immediately	immediately	ADV
fsr-3456	223	10	interpreted	interpret	VERB
fsr-3456	223	11	as	as	ADP
fsr-3456	223	12	determining	determine	VERB
fsr-3456	223	13	whether	whether	SCONJ
fsr-3456	223	14	the	the	DET
fsr-3456	223	15	dependent	dependent	ADJ
fsr-3456	223	16	variable	variable	ADJ
fsr-3456	223	17	increases	increase	NOUN
fsr-3456	223	18	with	with	ADP
fsr-3456	223	19	the	the	DET
fsr-3456	223	20	independent	independent	ADJ
fsr-3456	223	21	variables	variable	NOUN
fsr-3456	223	22	(	(	PUNCT
fsr-3456	223	23	cameron	cameron	PROPN
fsr-3456	223	24	&	&	CCONJ
fsr-3456	223	25	trivedi	trivedi	PROPN
fsr-3456	223	26	,	,	PUNCT
fsr-3456	223	27	2009	2009	NUM
fsr-3456	223	28	)	)	PUNCT
fsr-3456	223	29	.	.	PUNCT
fsr-3456	224	1	4	4	X
fsr-3456	224	2	.	.	NOUN
fsr-3456	224	3	results	result	NOUN
fsr-3456	224	4	table	table	NOUN
fsr-3456	224	5	5	5	NUM
fsr-3456	224	6	provides	provide	VERB
fsr-3456	224	7	the	the	DET
fsr-3456	224	8	odds	odd	NOUN
fsr-3456	224	9	ratios	ratio	NOUN
fsr-3456	224	10	and	and	CCONJ
fsr-3456	224	11	standard	standard	ADJ
fsr-3456	224	12	errors	error	NOUN
fsr-3456	224	13	of	of	ADP
fsr-3456	224	14	eight	eight	NUM
fsr-3456	224	15	ordered	order	VERB
fsr-3456	224	16	logit	logit	NOUN
fsr-3456	224	17	regressions	regression	NOUN
fsr-3456	224	18	.	.	PUNCT
fsr-3456	225	1	the	the	DET
fsr-3456	225	2	f	f	NOUN
fsr-3456	225	3	-	-	PUNCT
fsr-3456	225	4	tests	test	NOUN
fsr-3456	225	5	for	for	ADP
fsr-3456	225	6	all	all	DET
fsr-3456	225	7	models	model	NOUN
fsr-3456	225	8	rejected	reject	VERB
fsr-3456	225	9	the	the	DET
fsr-3456	225	10	null	null	ADJ
fsr-3456	225	11	hypothesis	hypothesis	NOUN
fsr-3456	225	12	that	that	PRON
fsr-3456	225	13	all	all	DET
fsr-3456	225	14	slope	slope	NOUN
fsr-3456	225	15	coefficients	coefficient	NOUN
fsr-3456	225	16	are	be	AUX
fsr-3456	225	17	zero	zero	NUM
fsr-3456	225	18	at	at	ADP
fsr-3456	225	19	the	the	DET
fsr-3456	225	20	0.001	0.001	NUM
fsr-3456	225	21	level	level	NOUN
fsr-3456	225	22	,	,	PUNCT
fsr-3456	225	23	implying	imply	VERB
fsr-3456	225	24	that	that	SCONJ
fsr-3456	225	25	they	they	PRON
fsr-3456	225	26	are	be	AUX
fsr-3456	225	27	appropriate	appropriate	ADJ
fsr-3456	225	28	for	for	ADP
fsr-3456	225	29	predicting	predict	VERB
fsr-3456	225	30	financial	financial	ADJ
fsr-3456	225	31	wellbeing	wellbeing	NOUN
fsr-3456	225	32	.	.	PUNCT
fsr-3456	226	1	the	the	DET
fsr-3456	226	2	eight	eight	NUM
fsr-3456	226	3	models	model	NOUN
fsr-3456	226	4	are	be	AUX
fsr-3456	226	5	variants	variant	NOUN
fsr-3456	226	6	on	on	ADP
fsr-3456	226	7	the	the	DET
fsr-3456	226	8	financial	financial	ADJ
fsr-3456	226	9	wellbeing	wellbee	VERB
fsr-3456	226	10	framework	framework	NOUN
fsr-3456	226	11	and	and	CCONJ
fsr-3456	226	12	omit	omit	ADJ
fsr-3456	226	13	sets	set	NOUN
fsr-3456	226	14	of	of	ADP
fsr-3456	226	15	variables	variable	NOUN
fsr-3456	226	16	to	to	ADP
fsr-3456	226	17	fig	fig	VERB
fsr-3456	226	18	.	.	PUNCT
fsr-3456	227	1	2	2	X
fsr-3456	227	2	.	.	X
fsr-3456	227	3	distribution	distribution	NOUN
fsr-3456	227	4	of	of	ADP
fsr-3456	227	5	satisfaction	satisfaction	NOUN
fsr-3456	227	6	with	with	ADP
fsr-3456	227	7	financial	financial	ADJ
fsr-3456	227	8	situation	situation	NOUN
fsr-3456	227	9	,	,	PUNCT
fsr-3456	227	10	where	where	SCONJ
fsr-3456	227	11	10	10	NUM
fsr-3456	227	12	is	be	AUX
fsr-3456	227	13	very	very	ADV
fsr-3456	227	14	satisfied	satisfied	ADJ
fsr-3456	227	15	.	.	PUNCT
fsr-3456	228	1	198	198	NUM
fsr-3456	228	2	t.	t.	NOUN
fsr-3456	228	3	west	west	PROPN
fsr-3456	228	4	et	et	PROPN
fsr-3456	228	5	al	al	PROPN
fsr-3456	228	6	.	.	PUNCT
fsr-3456	228	7	/	/	SYM
fsr-3456	228	8	financial	financial	ADJ
fsr-3456	228	9	services	service	NOUN
fsr-3456	228	10	review	review	VERB
fsr-3456	228	11	29	29	NUM
fsr-3456	228	12	(	(	PUNCT
fsr-3456	228	13	2021	2021	NUM
fsr-3456	228	14	)	)	PUNCT
fsr-3456	229	1	187–207	187–207	NUM
fsr-3456	229	2	t	t	PROPN
fsr-3456	229	3	ab	ab	X
fsr-3456	229	4	le	le	PROPN
fsr-3456	229	5	5	5	NUM
fsr-3456	229	6	o	o	NOUN
fsr-3456	229	7	rd	rd	NOUN
fsr-3456	229	8	er	er	INTJ
fsr-3456	229	9	ed	ed	NOUN
fsr-3456	229	10	lo	lo	PROPN
fsr-3456	229	11	g	g	PROPN
fsr-3456	229	12	it	it	PRON
fsr-3456	229	13	re	re	VERB
fsr-3456	229	14	su	su	PROPN
fsr-3456	230	1	lt	lt	PRON
fsr-3456	230	2	s	s	PROPN
fsr-3456	230	3	fo	fo	ADP
fsr-3456	230	4	r	r	NOUN
fsr-3456	230	5	fi	fi	NOUN
fsr-3456	230	6	n	n	CCONJ
fsr-3456	230	7	an	an	DET
fsr-3456	230	8	ci	ci	PROPN
fsr-3456	230	9	al	al	PROPN
fsr-3456	230	10	w	w	PROPN
fsr-3456	230	11	el	el	PROPN
fsr-3456	230	12	lb	lb	INTJ
fsr-3456	230	13	ei	ei	NOUN
fsr-3456	231	1	n	n	ADV
fsr-3456	231	2	g	g	NOUN
fsr-3456	231	3	1	1	NUM
fsr-3456	231	4	2	2	NUM
fsr-3456	231	5	3	3	NUM
fsr-3456	231	6	4	4	NUM
fsr-3456	231	7	5	5	NUM
fsr-3456	231	8	6	6	NUM
fsr-3456	231	9	7	7	NUM
fsr-3456	231	10	8	8	NUM
fsr-3456	231	11	p	p	NOUN
fsr-3456	231	12	ar	ar	NOUN
fsr-3456	231	13	am	be	AUX
fsr-3456	231	14	et	et	NOUN
fsr-3456	231	15	er	er	INTJ
fsr-3456	231	16	e	e	NOUN
fsr-3456	231	17	x	x	X
fsr-3456	231	18	p	p	X
fsr-3456	231	19	ec	ec	PROPN
fsr-3456	231	20	te	te	PROPN
fsr-3456	231	21	d	d	PROPN
fsr-3456	231	22	si	si	PROPN
fsr-3456	231	23	g	g	PROPN
fsr-3456	231	24	n	n	PROPN
fsr-3456	231	25	o	o	NOUN
fsr-3456	232	1	d	d	X
fsr-3456	232	2	d	d	X
fsr-3456	232	3	s	s	VERB
fsr-3456	232	4	ra	ra	NOUN
fsr-3456	232	5	ti	ti	NOUN
fsr-3456	233	1	o	o	NOUN
fsr-3456	233	2	o	o	X
fsr-3456	234	1	d	d	X
fsr-3456	234	2	d	d	X
fsr-3456	234	3	s	s	VERB
fsr-3456	234	4	ra	ra	NOUN
fsr-3456	234	5	ti	ti	NOUN
fsr-3456	235	1	o	o	NOUN
fsr-3456	235	2	o	o	X
fsr-3456	236	1	d	d	X
fsr-3456	236	2	d	d	X
fsr-3456	236	3	s	s	VERB
fsr-3456	236	4	ra	ra	NOUN
fsr-3456	236	5	ti	ti	NOUN
fsr-3456	237	1	o	o	NOUN
fsr-3456	237	2	o	o	X
fsr-3456	238	1	d	d	X
fsr-3456	238	2	d	d	X
fsr-3456	238	3	s	s	VERB
fsr-3456	238	4	ra	ra	NOUN
fsr-3456	238	5	ti	ti	NOUN
fsr-3456	239	1	o	o	NOUN
fsr-3456	239	2	o	o	X
fsr-3456	240	1	d	d	X
fsr-3456	240	2	d	d	X
fsr-3456	240	3	s	s	VERB
fsr-3456	240	4	ra	ra	NOUN
fsr-3456	240	5	ti	ti	NOUN
fsr-3456	241	1	o	o	NOUN
fsr-3456	241	2	o	o	X
fsr-3456	242	1	d	d	X
fsr-3456	242	2	d	d	X
fsr-3456	242	3	s	s	VERB
fsr-3456	242	4	ra	ra	NOUN
fsr-3456	242	5	ti	ti	NOUN
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fsr-3456	287	8	1	1	NUM
fsr-3456	287	9	.3	.3	NUM
fsr-3456	287	10	5	5	NUM
fsr-3456	287	11	2	2	NUM
fsr-3456	287	12	*	*	SYM
fsr-3456	287	13	0	0	NUM
fsr-3456	288	1	.2	.2	NUM
fsr-3456	288	2	2	2	NUM
fsr-3456	288	3	9	9	NUM
fsr-3456	288	4	0	0	NUM
fsr-3456	288	5	.3	.3	NUM
fsr-3456	288	6	2	2	NUM
fsr-3456	288	7	4	4	NUM
fsr-3456	288	8	0	0	NUM
fsr-3456	288	9	.3	.3	NUM
fsr-3456	288	10	1	1	NUM
fsr-3456	288	11	6	6	NUM
fsr-3456	288	12	0	0	NUM
fsr-3456	288	13	.2	.2	NUM
fsr-3456	288	14	2	2	NUM
fsr-3456	288	15	9	9	NUM
fsr-3456	288	16	f	f	NOUN
fsr-3456	288	17	r	r	NOUN
fsr-3456	288	18	is	be	AUX
fsr-3456	288	19	k	k	PROPN
fsr-3456	288	20	+	+	PROPN
fsr-3456	288	21	1	1	NUM
fsr-3456	288	22	.8	.8	NUM
fsr-3456	288	23	1	1	NUM
fsr-3456	288	24	6	6	NUM
fsr-3456	288	25	*	*	PUNCT
fsr-3456	288	26	*	*	PUNCT
fsr-3456	289	1	*	*	PUNCT
fsr-3456	289	2	1	1	NUM
fsr-3456	289	3	.5	.5	NUM
fsr-3456	289	4	7	7	NUM
fsr-3456	289	5	6	6	NUM
fsr-3456	289	6	*	*	PUNCT
fsr-3456	289	7	*	*	PUNCT
fsr-3456	289	8	1	1	NUM
fsr-3456	289	9	.5	.5	NUM
fsr-3456	289	10	2	2	NUM
fsr-3456	289	11	6	6	NUM
fsr-3456	289	12	*	*	SYM
fsr-3456	289	13	1	1	NUM
fsr-3456	289	14	.7	.7	NUM
fsr-3456	289	15	9	9	NUM
fsr-3456	289	16	5	5	NUM
fsr-3456	289	17	*	*	PUNCT
fsr-3456	289	18	*	*	PUNCT
fsr-3456	290	1	*	*	PUNCT
fsr-3456	290	2	0	0	NUM
fsr-3456	290	3	.1	.1	NUM
fsr-3456	290	4	9	9	NUM
fsr-3456	290	5	0	0	NUM
fsr-3456	290	6	0	0	NUM
fsr-3456	290	7	.3	.3	NUM
fsr-3456	290	8	1	1	NUM
fsr-3456	290	9	1	1	NUM
fsr-3456	290	10	0	0	NUM
fsr-3456	290	11	.3	.3	NUM
fsr-3456	290	12	0	0	NUM
fsr-3456	291	1	2	2	NUM
fsr-3456	291	2	0	0	NUM
fsr-3456	291	3	.1	.1	NUM
fsr-3456	291	4	9	9	NUM
fsr-3456	291	5	1	1	NUM
fsr-3456	291	6	p	p	NOUN
fsr-3456	291	7	l	l	NOUN
fsr-3456	291	8	a	a	X
fsr-3456	291	9	n	n	NOUN
fsr-3456	291	10	+	+	CCONJ
fsr-3456	291	11	0	0	NUM
fsr-3456	291	12	.7	.7	NUM
fsr-3456	291	13	5	5	NUM
fsr-3456	291	14	5	5	NUM
fsr-3456	291	15	*	*	PUNCT
fsr-3456	292	1	*	*	PUNCT
fsr-3456	292	2	0	0	NUM
fsr-3456	292	3	.8	.8	NUM
fsr-3456	292	4	2	2	NUM
fsr-3456	292	5	4	4	NUM
fsr-3456	292	6	0	0	NUM
fsr-3456	292	7	.8	.8	NUM
fsr-3456	292	8	2	2	NUM
fsr-3456	292	9	9	9	NUM
fsr-3456	292	10	0	0	NUM
fsr-3456	292	11	.7	.7	NUM
fsr-3456	292	12	5	5	NUM
fsr-3456	292	13	8	8	NUM
fsr-3456	292	14	*	*	PUNCT
fsr-3456	292	15	*	*	PUNCT
fsr-3456	292	16	0	0	NUM
fsr-3456	293	1	.0	.0	NUM
fsr-3456	294	1	6	6	NUM
fsr-3456	294	2	1	1	NUM
fsr-3456	294	3	0	0	NUM
fsr-3456	294	4	.1	.1	NUM
fsr-3456	294	5	2	2	NUM
fsr-3456	294	6	6	6	NUM
fsr-3456	294	7	0	0	NUM
fsr-3456	294	8	.1	.1	NUM
fsr-3456	294	9	2	2	NUM
fsr-3456	294	10	7	7	NUM
fsr-3456	294	11	0	0	NUM
fsr-3456	294	12	.0	.0	NUM
fsr-3456	294	13	6	6	NUM
fsr-3456	294	14	2	2	NUM
fsr-3456	294	15	g	g	NOUN
fsr-3456	294	16	e	e	PROPN
fsr-3456	294	17	n	n	NOUN
fsr-3456	294	18	d	d	X
fsr-3456	294	19	e	e	NOUN
fsr-3456	294	20	r	r	NOUN
fsr-3456	294	21	1	1	NUM
fsr-3456	294	22	.3	.3	NUM
fsr-3456	294	23	8	8	NUM
fsr-3456	294	24	4	4	NUM
fsr-3456	294	25	1	1	NUM
fsr-3456	294	26	.2	.2	NUM
fsr-3456	294	27	2	2	NUM
fsr-3456	294	28	0	0	NUM
fsr-3456	294	29	1	1	NUM
fsr-3456	294	30	.8	.8	NUM
fsr-3456	294	31	4	4	NUM
fsr-3456	294	32	0	0	NUM
fsr-3456	294	33	2	2	NUM
fsr-3456	294	34	.1	.1	NUM
fsr-3456	294	35	8	8	NUM
fsr-3456	294	36	8	8	NUM
fsr-3456	294	37	1	1	NUM
fsr-3456	294	38	.8	.8	NUM
fsr-3456	294	39	3	3	NUM
fsr-3456	294	40	2	2	NUM
fsr-3456	294	41	1	1	NUM
fsr-3456	294	42	.2	.2	NUM
fsr-3456	294	43	5	5	NUM
fsr-3456	294	44	9	9	NUM
fsr-3456	294	45	0	0	NUM
fsr-3456	294	46	.9	.9	NUM
fsr-3456	294	47	5	5	NUM
fsr-3456	294	48	7	7	NUM
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fsr-3456	294	50	c	c	NOUN
fsr-3456	294	51	o	o	NOUN
fsr-3456	294	52	n	n	CCONJ
fsr-3456	294	53	ti	ti	NOUN
fsr-3456	294	54	n	n	CCONJ
fsr-3456	294	55	u	u	NOUN
fsr-3456	294	56	ed	ed	NOUN
fsr-3456	294	57	o	o	PROPN
fsr-3456	294	58	n	n	CCONJ
fsr-3456	294	59	n	n	NOUN
fsr-3456	294	60	ex	ex	ADJ
fsr-3456	294	61	t	t	NOUN
fsr-3456	294	62	p	p	X
fsr-3456	294	63	a	a	DET
fsr-3456	294	64	g	g	NOUN
fsr-3456	294	65	e	e	NOUN
fsr-3456	294	66	)	)	PUNCT
fsr-3456	294	67	t.	t.	PROPN
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fsr-3456	294	71	.	.	PUNCT
fsr-3456	294	72	/	/	SYM
fsr-3456	294	73	financial	financial	ADJ
fsr-3456	294	74	services	service	NOUN
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fsr-3456	294	76	29	29	NUM
fsr-3456	294	77	(	(	PUNCT
fsr-3456	294	78	2021	2021	NUM
fsr-3456	294	79	)	)	PUNCT
fsr-3456	294	80	187–207	187–207	NUM
fsr-3456	294	81	199	199	NUM
fsr-3456	294	82	t	t	NOUN
fsr-3456	294	83	ab	ab	PROPN
fsr-3456	294	84	le	le	X
fsr-3456	294	85	5	5	NUM
fsr-3456	294	86	(	(	PUNCT
fsr-3456	294	87	c	c	NOUN
fsr-3456	294	88	o	o	NOUN
fsr-3456	294	89	n	n	CCONJ
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fsr-3456	294	91	n	n	CCONJ
fsr-3456	294	92	u	u	NOUN
fsr-3456	294	93	ed	ed	NOUN
fsr-3456	294	94	)	)	PUNCT
fsr-3456	294	95	1	1	NUM
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fsr-3456	294	97	3	3	NUM
fsr-3456	294	98	4	4	NUM
fsr-3456	294	99	5	5	NUM
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fsr-3456	294	105	am	be	AUX
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fsr-3456	294	107	er	er	INTJ
fsr-3456	294	108	e	e	NOUN
fsr-3456	294	109	x	x	X
fsr-3456	294	110	p	p	X
fsr-3456	294	111	ec	ec	PROPN
fsr-3456	294	112	te	te	PROPN
fsr-3456	294	113	d	d	PROPN
fsr-3456	294	114	si	si	PROPN
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fsr-3456	294	117	o	o	NOUN
fsr-3456	295	1	d	d	X
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fsr-3456	295	3	s	s	VERB
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fsr-3456	296	1	o	o	NOUN
fsr-3456	296	2	o	o	X
fsr-3456	297	1	d	d	X
fsr-3456	297	2	d	d	X
fsr-3456	297	3	s	s	VERB
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fsr-3456	299	2	d	d	X
fsr-3456	299	3	s	s	VERB
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fsr-3456	301	3	s	s	VERB
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fsr-3456	302	1	o	o	NOUN
fsr-3456	302	2	o	o	X
fsr-3456	303	1	d	d	X
fsr-3456	303	2	d	d	X
fsr-3456	303	3	s	s	VERB
fsr-3456	303	4	ra	ra	NOUN
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fsr-3456	304	1	o	o	NOUN
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fsr-3456	305	1	d	d	X
fsr-3456	305	2	d	d	X
fsr-3456	305	3	s	s	VERB
fsr-3456	305	4	ra	ra	NOUN
fsr-3456	305	5	ti	ti	NOUN
fsr-3456	306	1	o	o	NOUN
fsr-3456	306	2	o	o	X
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fsr-3456	307	3	s	s	VERB
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fsr-3456	309	3	s	s	VERB
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fsr-3456	311	5	6	6	NUM
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fsr-3456	312	4	a	a	DET
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fsr-3456	313	15	*	*	SYM
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fsr-3456	314	11	*	*	SYM
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fsr-3456	315	31	e	e	X
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fsr-3456	315	36	*	*	SYM
fsr-3456	315	37	0	0	NUM
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fsr-3456	316	4	*	*	SYM
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fsr-3456	316	17	*	*	PUNCT
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fsr-3456	316	19	0	0	PUNCT
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fsr-3456	317	4	*	*	SYM
fsr-3456	317	5	0	0	PUNCT
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fsr-3456	318	4	*	*	SYM
fsr-3456	318	5	0	0	NUM
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fsr-3456	319	4	0	0	NUM
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fsr-3456	321	2	3	3	NUM
fsr-3456	321	3	6	6	NUM
fsr-3456	321	4	0	0	NUM
fsr-3456	321	5	.1	.1	NUM
fsr-3456	321	6	7	7	NUM
fsr-3456	321	7	5	5	NUM
fsr-3456	321	8	0	0	NUM
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fsr-3456	321	10	1	1	NUM
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fsr-3456	321	14	1	1	NUM
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fsr-3456	322	1	.2	.2	NUM
fsr-3456	322	2	0	0	NUM
fsr-3456	322	3	2	2	NUM
fsr-3456	322	4	0	0	NUM
fsr-3456	322	5	.1	.1	NUM
fsr-3456	322	6	7	7	NUM
fsr-3456	322	7	5	5	NUM
fsr-3456	322	8	0	0	NUM
fsr-3456	322	9	.2	.2	NUM
fsr-3456	322	10	2	2	NUM
fsr-3456	322	11	8	8	NUM
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fsr-3456	323	6	1	1	NUM
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fsr-3456	323	8	7	7	NUM
fsr-3456	323	9	1	1	NUM
fsr-3456	323	10	*	*	PUNCT
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fsr-3456	323	13	.1	.1	NUM
fsr-3456	323	14	7	7	NUM
fsr-3456	323	15	7	7	NUM
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fsr-3456	323	18	5	5	NUM
fsr-3456	323	19	9	9	NUM
fsr-3456	323	20	1	1	NUM
fsr-3456	323	21	.1	.1	NUM
fsr-3456	323	22	9	9	NUM
fsr-3456	323	23	3	3	NUM
fsr-3456	323	24	*	*	SYM
fsr-3456	323	25	0	0	PUNCT
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fsr-3456	324	2	5	5	NUM
fsr-3456	324	3	6	6	NUM
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fsr-3456	324	5	.0	.0	NUM
fsr-3456	324	6	9	9	NUM
fsr-3456	324	7	4	4	NUM
fsr-3456	324	8	0	0	NUM
fsr-3456	325	1	.2	.2	NUM
fsr-3456	325	2	1	1	NUM
fsr-3456	325	3	8	8	NUM
fsr-3456	325	4	0	0	NUM
fsr-3456	325	5	.1	.1	NUM
fsr-3456	325	6	0	0	NUM
fsr-3456	326	1	2	2	NUM
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fsr-3456	326	5	0	0	NUM
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fsr-3456	326	8	u	u	PROPN
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fsr-3456	327	7	3	3	NUM
fsr-3456	327	8	7	7	NUM
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fsr-3456	327	19	7	7	NUM
fsr-3456	327	20	2	2	NUM
fsr-3456	327	21	0	0	NUM
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fsr-3456	327	23	0	0	NUM
fsr-3456	327	24	2	2	NUM
fsr-3456	327	25	0	0	NUM
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fsr-3456	327	27	3	3	NUM
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fsr-3456	329	5	5	5	NUM
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fsr-3456	333	2	5	5	NUM
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fsr-3456	333	7	5	5	NUM
fsr-3456	333	8	*	*	PUNCT
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fsr-3456	335	7	*	*	PUNCT
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fsr-3456	336	15	1	1	NUM
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fsr-3456	336	18	r	r	NOUN
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fsr-3456	336	20	e	e	NOUN
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fsr-3456	336	31	a	a	DET
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fsr-3456	336	35	e	e	NOUN
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fsr-3456	336	39	t	t	NOUN
fsr-3456	336	40	r	r	NOUN
fsr-3456	336	41	e	e	NOUN
fsr-3456	336	42	s	s	NOUN
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fsr-3456	336	44	+	+	NOUN
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fsr-3456	336	63	e	e	X
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fsr-3456	337	1	+	+	NOUN
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fsr-3456	339	15	n	n	NOUN
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fsr-3456	339	18	e	e	NOUN
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fsr-3456	339	20	e	e	NOUN
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fsr-3456	339	24	t	t	NOUN
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fsr-3456	340	1	+	+	NOUN
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fsr-3456	342	1	+	+	NOUN
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fsr-3456	348	14	e	e	X
fsr-3456	348	15	e	e	X
fsr-3456	348	16	x	x	X
fsr-3456	348	17	p	p	X
fsr-3456	348	18	e	e	X
fsr-3456	348	19	c	c	PROPN
fsr-3456	348	20	t	t	PROPN
fsr-3456	348	21	a	a	DET
fsr-3456	348	22	t	t	X
fsr-3456	348	23	io	io	X
fsr-3456	348	24	n	n	PROPN
fsr-3456	348	25	s	s	PROPN
fsr-3456	349	1	+	+	NOUN
fsr-3456	349	2	c	c	NOUN
fsr-3456	349	3	o	o	NOUN
fsr-3456	350	1	n	n	ADP
fsr-3456	350	2	t	t	NOUN
fsr-3456	350	3	r	r	NOUN
fsr-3456	350	4	o	o	NOUN
fsr-3456	350	5	l	l	NOUN
fsr-3456	351	1	+	+	CCONJ
fsr-3456	351	2	f	f	X
fsr-3456	351	3	in	in	ADP
fsr-3456	351	4	a	a	DET
fsr-3456	351	5	n	n	NOUN
fsr-3456	351	6	c	c	PROPN
fsr-3456	351	7	ia	ia	PROPN
fsr-3456	351	8	l	l	NOUN
fsr-3456	351	9	l	l	NOUN
fsr-3456	352	1	it	it	PRON
fsr-3456	352	2	e	e	X
fsr-3456	352	3	r	r	NOUN
fsr-3456	352	4	a	a	PRON
fsr-3456	352	5	c	c	NOUN
fsr-3456	352	6	y	y	PROPN
fsr-3456	352	7	8	8	NUM
fsr-3456	352	8	+	+	CCONJ
fsr-3456	352	9	c	c	NOUN
fsr-3456	352	10	o	o	NOUN
fsr-3456	352	11	n	n	ADP
fsr-3456	352	12	t	t	NOUN
fsr-3456	352	13	r	r	NOUN
fsr-3456	352	14	o	o	NOUN
fsr-3456	352	15	l	l	NOUN
fsr-3456	353	1	+	+	CCONJ
fsr-3456	353	2	f	f	X
fsr-3456	353	3	in	in	ADP
fsr-3456	353	4	a	a	DET
fsr-3456	353	5	n	n	NOUN
fsr-3456	353	6	c	c	PROPN
fsr-3456	353	7	ia	ia	PROPN
fsr-3456	353	8	l	l	NOUN
fsr-3456	353	9	l	l	NOUN
fsr-3456	354	1	it	it	PRON
fsr-3456	354	2	e	e	X
fsr-3456	354	3	r	r	NOUN
fsr-3456	354	4	a	a	PRON
fsr-3456	354	5	c	c	NOUN
fsr-3456	354	6	y	y	PROPN
fsr-3456	354	7	200	200	NUM
fsr-3456	354	8	t.	t.	PROPN
fsr-3456	354	9	west	west	PROPN
fsr-3456	354	10	et	et	PROPN
fsr-3456	354	11	al	al	PROPN
fsr-3456	354	12	.	.	PUNCT
fsr-3456	354	13	/	/	SYM
fsr-3456	354	14	financial	financial	ADJ
fsr-3456	354	15	services	service	NOUN
fsr-3456	354	16	review	review	VERB
fsr-3456	354	17	29	29	NUM
fsr-3456	354	18	(	(	PUNCT
fsr-3456	354	19	2021	2021	NUM
fsr-3456	354	20	)	)	PUNCT
fsr-3456	354	21	187–207	187–207	NUM
fsr-3456	354	22	test	test	NOUN
fsr-3456	354	23	for	for	ADP
fsr-3456	354	24	predictive	predictive	ADJ
fsr-3456	354	25	power	power	NOUN
fsr-3456	354	26	.	.	PUNCT
fsr-3456	355	1	the	the	DET
fsr-3456	355	2	signs	sign	NOUN
fsr-3456	355	3	of	of	ADP
fsr-3456	355	4	the	the	DET
fsr-3456	355	5	odds	odd	NOUN
fsr-3456	355	6	ratio	ratio	NOUN
fsr-3456	355	7	indicate	indicate	VERB
fsr-3456	355	8	the	the	DET
fsr-3456	355	9	effect	effect	NOUN
fsr-3456	355	10	on	on	ADP
fsr-3456	355	11	financial	financial	ADJ
fsr-3456	355	12	wellbeing	wellbeing	NOUN
fsr-3456	355	13	.	.	PUNCT
fsr-3456	356	1	if	if	SCONJ
fsr-3456	356	2	the	the	DET
fsr-3456	356	3	estimate	estimate	NOUN
fsr-3456	356	4	is	be	AUX
fsr-3456	356	5	positive	positive	ADJ
fsr-3456	356	6	,	,	PUNCT
fsr-3456	356	7	then	then	ADV
fsr-3456	356	8	an	an	DET
fsr-3456	356	9	increase	increase	NOUN
fsr-3456	356	10	in	in	ADP
fsr-3456	356	11	the	the	DET
fsr-3456	356	12	dependent	dependent	ADJ
fsr-3456	356	13	variable	variable	NOUN
fsr-3456	356	14	necessarily	necessarily	ADV
fsr-3456	356	15	decreases	decrease	VERB
fsr-3456	356	16	the	the	DET
fsr-3456	356	17	probability	probability	NOUN
fsr-3456	356	18	of	of	ADP
fsr-3456	356	19	being	be	AUX
fsr-3456	356	20	in	in	ADP
fsr-3456	356	21	the	the	DET
fsr-3456	356	22	lowest	low	ADJ
fsr-3456	356	23	financial	financial	ADJ
fsr-3456	356	24	wellbeing	wellbee	VERB
fsr-3456	356	25	category	category	NOUN
fsr-3456	356	26	and	and	CCONJ
fsr-3456	356	27	increases	increase	VERB
fsr-3456	356	28	the	the	DET
fsr-3456	356	29	probability	probability	NOUN
fsr-3456	356	30	of	of	ADP
fsr-3456	356	31	being	be	AUX
fsr-3456	356	32	in	in	ADP
fsr-3456	356	33	the	the	DET
fsr-3456	356	34	highest	high	ADJ
fsr-3456	356	35	financial	financial	ADJ
fsr-3456	356	36	wellbeing	wellbee	VERB
fsr-3456	356	37	category	category	NOUN
fsr-3456	356	38	.	.	PUNCT
fsr-3456	357	1	a	a	DET
fsr-3456	357	2	summary	summary	NOUN
fsr-3456	357	3	of	of	ADP
fsr-3456	357	4	the	the	DET
fsr-3456	357	5	models	model	NOUN
fsr-3456	357	6	tested	test	VERB
fsr-3456	357	7	is	be	AUX
fsr-3456	357	8	provided	provide	VERB
fsr-3456	357	9	in	in	ADP
fsr-3456	357	10	table	table	NOUN
fsr-3456	357	11	5	5	NUM
fsr-3456	357	12	.	.	PUNCT
fsr-3456	357	13	comparison	comparison	NOUN
fsr-3456	357	14	of	of	ADP
fsr-3456	357	15	the	the	DET
fsr-3456	357	16	pseudo	pseudo	NOUN
fsr-3456	357	17	r2	r2	PROPN
fsr-3456	357	18	shows	show	VERB
fsr-3456	357	19	the	the	DET
fsr-3456	357	20	model	model	NOUN
fsr-3456	357	21	with	with	ADP
fsr-3456	357	22	the	the	DET
fsr-3456	357	23	most	most	ADV
fsr-3456	357	24	explanatory	explanatory	ADJ
fsr-3456	357	25	power	power	NOUN
fsr-3456	357	26	is	be	AUX
fsr-3456	357	27	model	model	NOUN
fsr-3456	357	28	3	3	NUM
fsr-3456	357	29	(	(	PUNCT
fsr-3456	357	30	0.176	0.176	NUM
fsr-3456	357	31	)	)	PUNCT
fsr-3456	357	32	,	,	PUNCT
fsr-3456	357	33	that	that	PRON
fsr-3456	357	34	includes	include	VERB
fsr-3456	357	35	all	all	DET
fsr-3456	357	36	variables	variable	NOUN
fsr-3456	357	37	except	except	SCONJ
fsr-3456	357	38	finlitscore	finlitscore	NOUN
fsr-3456	357	39	.	.	PUNCT
fsr-3456	358	1	all	all	DET
fsr-3456	358	2	coefficients	coefficient	NOUN
fsr-3456	358	3	are	be	AUX
fsr-3456	358	4	positive	positive	ADJ
fsr-3456	358	5	in	in	ADP
fsr-3456	358	6	this	this	DET
fsr-3456	358	7	model	model	NOUN
fsr-3456	358	8	,	,	PUNCT
fsr-3456	358	9	with	with	SCONJ
fsr-3456	358	10	the	the	DET
fsr-3456	358	11	significant	significant	ADJ
fsr-3456	358	12	factors	factor	NOUN
fsr-3456	358	13	including	include	VERB
fsr-3456	358	14	emg500	emg500	PROPN
fsr-3456	358	15	,	,	PUNCT
fsr-3456	358	16	usedebt	usedebt	NOUN
fsr-3456	358	17	,	,	PUNCT
fsr-3456	358	18	spendmore	spendmore	ADJ
fsr-3456	358	19	in	in	ADP
fsr-3456	358	20	the	the	DET
fsr-3456	358	21	set	set	NOUN
fsr-3456	358	22	of	of	ADP
fsr-3456	358	23	current	current	ADJ
fsr-3456	358	24	money	money	NOUN
fsr-3456	358	25	management	management	NOUN
fsr-3456	358	26	stress	stress	NOUN
fsr-3456	358	27	factors	factor	NOUN
fsr-3456	358	28	,	,	PUNCT
fsr-3456	358	29	matimp	matimp	NOUN
fsr-3456	358	30	and	and	CCONJ
fsr-3456	358	31	frisk	frisk	NOUN
fsr-3456	358	32	in	in	ADP
fsr-3456	358	33	the	the	DET
fsr-3456	358	34	future	future	ADJ
fsr-3456	358	35	expectations	expectation	NOUN
fsr-3456	358	36	set	set	VERB
fsr-3456	358	37	,	,	PUNCT
fsr-3456	358	38	and	and	CCONJ
fsr-3456	358	39	no	no	DET
fsr-3456	358	40	significant	significant	ADJ
fsr-3456	358	41	factors	factor	NOUN
fsr-3456	358	42	in	in	ADP
fsr-3456	358	43	the	the	DET
fsr-3456	358	44	set	set	NOUN
fsr-3456	358	45	of	of	ADP
fsr-3456	358	46	control	control	NOUN
fsr-3456	358	47	variables	variable	NOUN
fsr-3456	358	48	.	.	PUNCT
fsr-3456	359	1	within	within	ADP
fsr-3456	359	2	the	the	DET
fsr-3456	359	3	set	set	NOUN
fsr-3456	359	4	of	of	ADP
fsr-3456	359	5	current	current	ADJ
fsr-3456	359	6	money	money	NOUN
fsr-3456	359	7	management	management	NOUN
fsr-3456	359	8	stress	stress	NOUN
fsr-3456	359	9	variables	variable	NOUN
fsr-3456	359	10	,	,	PUNCT
fsr-3456	359	11	emg500	emg500	PROPN
fsr-3456	359	12	is	be	AUX
fsr-3456	359	13	highly	highly	ADV
fsr-3456	359	14	significant	significant	ADJ
fsr-3456	359	15	and	and	CCONJ
fsr-3456	359	16	positive	positive	ADJ
fsr-3456	359	17	across	across	ADP
fsr-3456	359	18	all	all	DET
fsr-3456	359	19	four	four	NUM
fsr-3456	359	20	models	model	NOUN
fsr-3456	359	21	it	it	PRON
fsr-3456	359	22	is	be	AUX
fsr-3456	359	23	included	include	VERB
fsr-3456	359	24	in	in	ADP
fsr-3456	359	25	.	.	PUNCT
fsr-3456	360	1	positive	positive	ADJ
fsr-3456	360	2	responses	response	NOUN
fsr-3456	360	3	to	to	ADP
fsr-3456	360	4	this	this	DET
fsr-3456	360	5	binary	binary	ADJ
fsr-3456	360	6	variable	variable	NOUN
fsr-3456	360	7	indicate	indicate	VERB
fsr-3456	360	8	issues	issue	NOUN
fsr-3456	360	9	with	with	ADP
fsr-3456	360	10	accessing	access	VERB
fsr-3456	360	11	emergency	emergency	NOUN
fsr-3456	360	12	funds	fund	NOUN
fsr-3456	360	13	,	,	PUNCT
fsr-3456	360	14	so	so	CCONJ
fsr-3456	360	15	the	the	DET
fsr-3456	360	16	positive	positive	ADJ
fsr-3456	360	17	relationship	relationship	NOUN
fsr-3456	360	18	with	with	ADP
fsr-3456	360	19	financial	financial	ADJ
fsr-3456	360	20	wellbeing	wellbeing	NOUN
fsr-3456	360	21	is	be	AUX
fsr-3456	360	22	puzzling	puzzle	VERB
fsr-3456	360	23	as	as	SCONJ
fsr-3456	360	24	we	we	PRON
fsr-3456	360	25	were	be	AUX
fsr-3456	360	26	expecting	expect	VERB
fsr-3456	360	27	a	a	DET
fsr-3456	360	28	negative	negative	ADJ
fsr-3456	360	29	association	association	NOUN
fsr-3456	360	30	.	.	PUNCT
fsr-3456	361	1	other	other	ADJ
fsr-3456	361	2	variables	variable	NOUN
fsr-3456	361	3	like	like	ADP
fsr-3456	361	4	usedebt	usedebt	NOUN
fsr-3456	361	5	,	,	PUNCT
fsr-3456	361	6	spendmore	spendmore	ADJ
fsr-3456	361	7	,	,	PUNCT
fsr-3456	361	8	matimp	matimp	ADJ
fsr-3456	361	9	,	,	PUNCT
fsr-3456	361	10	mathap	mathap	NOUN
fsr-3456	361	11	,	,	PUNCT
fsr-3456	361	12	and	and	CCONJ
fsr-3456	361	13	finstress	finstress	ADJ
fsr-3456	361	14	vary	vary	VERB
fsr-3456	361	15	in	in	ADP
fsr-3456	361	16	significance	significance	NOUN
fsr-3456	361	17	across	across	ADP
fsr-3456	361	18	models	model	NOUN
fsr-3456	361	19	but	but	CCONJ
fsr-3456	361	20	were	be	AUX
fsr-3456	361	21	all	all	ADV
fsr-3456	361	22	positive	positive	ADJ
fsr-3456	361	23	,	,	PUNCT
fsr-3456	361	24	when	when	SCONJ
fsr-3456	361	25	negative	negative	ADJ
fsr-3456	361	26	signs	sign	NOUN
fsr-3456	361	27	were	be	AUX
fsr-3456	361	28	expected	expect	VERB
fsr-3456	361	29	.	.	PUNCT
fsr-3456	362	1	we	we	PRON
fsr-3456	362	2	draw	draw	VERB
fsr-3456	362	3	the	the	DET
fsr-3456	362	4	conclusion	conclusion	NOUN
fsr-3456	362	5	that	that	SCONJ
fsr-3456	362	6	current	current	ADJ
fsr-3456	362	7	financial	financial	ADJ
fsr-3456	362	8	stress	stress	NOUN
fsr-3456	362	9	,	,	PUNCT
fsr-3456	362	10	while	while	SCONJ
fsr-3456	362	11	a	a	DET
fsr-3456	362	12	significant	significant	ADJ
fsr-3456	362	13	determinant	determinant	NOUN
fsr-3456	362	14	of	of	ADP
fsr-3456	362	15	financial	financial	ADJ
fsr-3456	362	16	wellbeing	wellbeing	NOUN
fsr-3456	362	17	,	,	PUNCT
fsr-3456	362	18	is	be	AUX
fsr-3456	362	19	not	not	PART
fsr-3456	362	20	inversely	inversely	ADV
fsr-3456	362	21	related	relate	VERB
fsr-3456	362	22	.	.	PUNCT
fsr-3456	363	1	therefore	therefore	ADV
fsr-3456	363	2	,	,	PUNCT
fsr-3456	363	3	students	student	NOUN
fsr-3456	363	4	under	under	ADP
fsr-3456	363	5	weigh	weigh	NOUN
fsr-3456	363	6	financial	financial	ADJ
fsr-3456	363	7	stress	stress	NOUN
fsr-3456	363	8	when	when	SCONJ
fsr-3456	363	9	asked	ask	VERB
fsr-3456	363	10	to	to	PART
fsr-3456	363	11	quantify	quantify	VERB
fsr-3456	363	12	their	their	PRON
fsr-3456	363	13	level	level	NOUN
fsr-3456	363	14	of	of	ADP
fsr-3456	363	15	financial	financial	ADJ
fsr-3456	363	16	wellbeing	wellbeing	NOUN
fsr-3456	363	17	,	,	PUNCT
fsr-3456	363	18	suggesting	suggest	VERB
fsr-3456	363	19	that	that	SCONJ
fsr-3456	363	20	other	other	ADJ
fsr-3456	363	21	factors	factor	NOUN
fsr-3456	363	22	are	be	AUX
fsr-3456	363	23	more	more	ADV
fsr-3456	363	24	important	important	ADJ
fsr-3456	363	25	.	.	PUNCT
fsr-3456	364	1	we	we	PRON
fsr-3456	364	2	sense	sense	VERB
fsr-3456	364	3	what	what	PRON
fsr-3456	364	4	other	other	ADJ
fsr-3456	364	5	factors	factor	NOUN
fsr-3456	364	6	are	be	AUX
fsr-3456	364	7	more	more	ADV
fsr-3456	364	8	important	important	ADJ
fsr-3456	364	9	when	when	SCONJ
fsr-3456	364	10	examining	examine	VERB
fsr-3456	364	11	the	the	DET
fsr-3456	364	12	set	set	NOUN
fsr-3456	364	13	of	of	ADP
fsr-3456	364	14	future	future	ADJ
fsr-3456	364	15	expectations	expectation	NOUN
fsr-3456	364	16	indicators	indicator	NOUN
fsr-3456	364	17	.	.	PUNCT
fsr-3456	365	1	for	for	ADP
fsr-3456	365	2	the	the	DET
fsr-3456	365	3	set	set	NOUN
fsr-3456	365	4	of	of	ADP
fsr-3456	365	5	future	future	ADJ
fsr-3456	365	6	expectations	expectation	NOUN
fsr-3456	365	7	,	,	PUNCT
fsr-3456	365	8	psav	psav	NOUN
fsr-3456	365	9	,	,	PUNCT
fsr-3456	365	10	pplan	pplan	NOUN
fsr-3456	365	11	,	,	PUNCT
fsr-3456	365	12	frisk	frisk	NOUN
fsr-3456	365	13	,	,	PUNCT
fsr-3456	365	14	and	and	CCONJ
fsr-3456	365	15	plan	plan	NOUN
fsr-3456	365	16	had	have	VERB
fsr-3456	365	17	very	very	ADV
fsr-3456	365	18	significant	significant	ADJ
fsr-3456	365	19	positive	positive	ADJ
fsr-3456	365	20	coefficients	coefficient	NOUN
fsr-3456	365	21	when	when	SCONJ
fsr-3456	365	22	the	the	DET
fsr-3456	365	23	current	current	ADJ
fsr-3456	365	24	money	money	NOUN
fsr-3456	365	25	management	management	NOUN
fsr-3456	365	26	stress	stress	NOUN
fsr-3456	365	27	variables	variable	NOUN
fsr-3456	365	28	were	be	AUX
fsr-3456	365	29	excluded	exclude	VERB
fsr-3456	365	30	from	from	ADP
fsr-3456	365	31	the	the	DET
fsr-3456	365	32	model	model	NOUN
fsr-3456	365	33	,	,	PUNCT
fsr-3456	365	34	as	as	ADV
fsr-3456	365	35	well	well	ADV
fsr-3456	365	36	as	as	ADP
fsr-3456	365	37	strong	strong	ADJ
fsr-3456	365	38	coefficients	coefficient	NOUN
fsr-3456	365	39	.	.	PUNCT
fsr-3456	366	1	when	when	SCONJ
fsr-3456	366	2	the	the	DET
fsr-3456	366	3	current	current	ADJ
fsr-3456	366	4	money	money	NOUN
fsr-3456	366	5	management	management	NOUN
fsr-3456	366	6	stress	stress	NOUN
fsr-3456	366	7	variables	variable	NOUN
fsr-3456	366	8	were	be	AUX
fsr-3456	366	9	included	include	VERB
fsr-3456	366	10	(	(	PUNCT
fsr-3456	366	11	models	model	NOUN
fsr-3456	366	12	3	3	NUM
fsr-3456	366	13	and	and	CCONJ
fsr-3456	366	14	4	4	NUM
fsr-3456	366	15	)	)	PUNCT
fsr-3456	366	16	,	,	PUNCT
fsr-3456	366	17	all	all	DET
fsr-3456	366	18	but	but	SCONJ
fsr-3456	366	19	frisk	frisk	NOUN
fsr-3456	366	20	lost	lose	VERB
fsr-3456	366	21	significance	significance	NOUN
fsr-3456	366	22	.	.	PUNCT
fsr-3456	367	1	we	we	PRON
fsr-3456	367	2	infer	infer	VERB
fsr-3456	367	3	from	from	ADP
fsr-3456	367	4	this	this	PRON
fsr-3456	367	5	that	that	SCONJ
fsr-3456	367	6	people	people	NOUN
fsr-3456	367	7	who	who	PRON
fsr-3456	367	8	are	be	AUX
fsr-3456	367	9	willing	willing	ADJ
fsr-3456	367	10	to	to	PART
fsr-3456	367	11	take	take	VERB
fsr-3456	367	12	financial	financial	ADJ
fsr-3456	367	13	risk	risk	NOUN
fsr-3456	367	14	have	have	VERB
fsr-3456	367	15	an	an	DET
fsr-3456	367	16	innate	innate	ADJ
fsr-3456	367	17	understanding	understanding	NOUN
fsr-3456	367	18	of	of	ADP
fsr-3456	367	19	the	the	DET
fsr-3456	367	20	time	time	NOUN
fsr-3456	367	21	value	value	NOUN
fsr-3456	367	22	of	of	ADP
fsr-3456	367	23	money	money	NOUN
fsr-3456	367	24	that	that	PRON
fsr-3456	367	25	translates	translate	VERB
fsr-3456	367	26	into	into	ADP
fsr-3456	367	27	confidence	confidence	NOUN
fsr-3456	367	28	in	in	ADP
fsr-3456	367	29	their	their	PRON
fsr-3456	367	30	financial	financial	ADJ
fsr-3456	367	31	futures	future	NOUN
fsr-3456	367	32	.	.	PUNCT
fsr-3456	368	1	finally	finally	ADV
fsr-3456	368	2	,	,	PUNCT
fsr-3456	368	3	of	of	ADP
fsr-3456	368	4	the	the	DET
fsr-3456	368	5	set	set	NOUN
fsr-3456	368	6	of	of	ADP
fsr-3456	368	7	personal	personal	ADJ
fsr-3456	368	8	attributes	attribute	NOUN
fsr-3456	368	9	,	,	PUNCT
fsr-3456	368	10	income	income	NOUN
fsr-3456	368	11	is	be	AUX
fsr-3456	368	12	significant	significant	ADJ
fsr-3456	368	13	in	in	ADP
fsr-3456	368	14	five	five	NUM
fsr-3456	368	15	out	out	ADP
fsr-3456	368	16	of	of	ADP
fsr-3456	368	17	eight	eight	NUM
fsr-3456	368	18	models	model	NOUN
fsr-3456	368	19	,	,	PUNCT
fsr-3456	368	20	and	and	CCONJ
fsr-3456	368	21	agec	agec	NOUN
fsr-3456	368	22	is	be	AUX
fsr-3456	368	23	significant	significant	ADJ
fsr-3456	368	24	in	in	ADP
fsr-3456	368	25	three	three	NUM
fsr-3456	368	26	out	out	ADP
fsr-3456	368	27	of	of	ADP
fsr-3456	368	28	eight	eight	NUM
fsr-3456	368	29	models	model	NOUN
fsr-3456	368	30	.	.	PUNCT
fsr-3456	369	1	this	this	PRON
fsr-3456	369	2	makes	make	VERB
fsr-3456	369	3	logical	logical	ADJ
fsr-3456	369	4	sense	sense	NOUN
fsr-3456	369	5	,	,	PUNCT
fsr-3456	369	6	as	as	ADP
fsr-3456	369	7	higher	high	ADJ
fsr-3456	369	8	incomes	income	NOUN
fsr-3456	369	9	,	,	PUNCT
fsr-3456	369	10	which	which	PRON
fsr-3456	369	11	are	be	AUX
fsr-3456	369	12	associated	associate	VERB
fsr-3456	369	13	with	with	ADP
fsr-3456	369	14	being	be	AUX
fsr-3456	369	15	older	old	ADJ
fsr-3456	369	16	,	,	PUNCT
fsr-3456	369	17	overcome	overcome	VERB
fsr-3456	369	18	barriers	barrier	NOUN
fsr-3456	369	19	to	to	ADP
fsr-3456	369	20	perceived	perceive	VERB
fsr-3456	369	21	wellbeing	wellbee	VERB
fsr-3456	369	22	by	by	ADP
fsr-3456	369	23	facilitating	facilitate	VERB
fsr-3456	369	24	choice	choice	NOUN
fsr-3456	369	25	and	and	CCONJ
fsr-3456	369	26	lifestyle	lifestyle	NOUN
fsr-3456	369	27	purchases	purchase	NOUN
fsr-3456	369	28	.	.	PUNCT
fsr-3456	370	1	for	for	ADP
fsr-3456	370	2	example	example	NOUN
fsr-3456	370	3	,	,	PUNCT
fsr-3456	370	4	higher	high	ADJ
fsr-3456	370	5	incomes	income	NOUN
fsr-3456	370	6	afford	afford	VERB
fsr-3456	370	7	people	people	NOUN
fsr-3456	370	8	to	to	ADP
fsr-3456	370	9	both	both	DET
fsr-3456	370	10	purchase	purchase	VERB
fsr-3456	370	11	medicine	medicine	NOUN
fsr-3456	370	12	and	and	CCONJ
fsr-3456	370	13	groceries	grocery	NOUN
fsr-3456	370	14	,	,	PUNCT
fsr-3456	370	15	while	while	SCONJ
fsr-3456	370	16	people	people	NOUN
fsr-3456	370	17	living	live	VERB
fsr-3456	370	18	hand	hand	NOUN
fsr-3456	370	19	-	-	PUNCT
fsr-3456	370	20	to	to	ADP
fsr-3456	370	21	-	-	PUNCT
fsr-3456	370	22	mouth	mouth	NOUN
fsr-3456	370	23	have	have	VERB
fsr-3456	370	24	to	to	PART
fsr-3456	370	25	trade	trade	VERB
fsr-3456	370	26	-	-	PUNCT
fsr-3456	370	27	off	off	NOUN
fsr-3456	370	28	between	between	ADP
fsr-3456	370	29	necessities	necessity	NOUN
fsr-3456	370	30	.	.	PUNCT
fsr-3456	371	1	this	this	DET
fsr-3456	371	2	finding	finding	NOUN
fsr-3456	371	3	contributes	contribute	VERB
fsr-3456	371	4	to	to	ADP
fsr-3456	371	5	discussions	discussion	NOUN
fsr-3456	371	6	that	that	SCONJ
fsr-3456	371	7	a	a	DET
fsr-3456	371	8	good	good	ADJ
fsr-3456	371	9	income	income	NOUN
fsr-3456	371	10	affords	afford	VERB
fsr-3456	371	11	many	many	ADJ
fsr-3456	371	12	benefits	benefit	NOUN
fsr-3456	371	13	:	:	PUNCT
fsr-3456	371	14	financial	financial	ADJ
fsr-3456	371	15	stability	stability	NOUN
fsr-3456	371	16	,	,	PUNCT
fsr-3456	371	17	enables	enable	VERB
fsr-3456	371	18	future	future	ADJ
fsr-3456	371	19	planning	planning	NOUN
fsr-3456	371	20	,	,	PUNCT
fsr-3456	371	21	facilitates	facilitate	VERB
fsr-3456	371	22	acting	act	VERB
fsr-3456	371	23	on	on	ADP
fsr-3456	371	24	money	money	NOUN
fsr-3456	371	25	beliefs	belief	NOUN
fsr-3456	371	26	,	,	PUNCT
fsr-3456	371	27	and	and	CCONJ
fsr-3456	371	28	practice	practice	NOUN
fsr-3456	371	29	making	make	VERB
fsr-3456	371	30	financial	financial	ADJ
fsr-3456	371	31	decisions	decision	NOUN
fsr-3456	371	32	.	.	PUNCT
fsr-3456	372	1	interestingly	interestingly	ADV
fsr-3456	372	2	,	,	PUNCT
fsr-3456	372	3	finlitscore	finlitscore	PROPN
fsr-3456	372	4	is	be	AUX
fsr-3456	372	5	only	only	ADV
fsr-3456	372	6	significant	significant	ADJ
fsr-3456	372	7	in	in	ADP
fsr-3456	372	8	model	model	NOUN
fsr-3456	372	9	5	5	NUM
fsr-3456	372	10	(	(	PUNCT
fsr-3456	372	11	as	as	ADP
fsr-3456	372	12	the	the	DET
fsr-3456	372	13	only	only	ADJ
fsr-3456	372	14	factor	factor	NOUN
fsr-3456	372	15	in	in	ADP
fsr-3456	372	16	the	the	DET
fsr-3456	372	17	model	model	NOUN
fsr-3456	372	18	)	)	PUNCT
fsr-3456	372	19	and	and	CCONJ
fsr-3456	372	20	model	model	NOUN
fsr-3456	372	21	8	8	NUM
fsr-3456	372	22	(	(	PUNCT
fsr-3456	372	23	only	only	ADV
fsr-3456	372	24	includes	include	VERB
fsr-3456	372	25	control	control	NOUN
fsr-3456	372	26	variables	variable	NOUN
fsr-3456	372	27	)	)	PUNCT
fsr-3456	372	28	.	.	PUNCT
fsr-3456	373	1	both	both	PRON
fsr-3456	373	2	of	of	ADP
fsr-3456	373	3	these	these	DET
fsr-3456	373	4	models	model	NOUN
fsr-3456	373	5	have	have	VERB
fsr-3456	373	6	low	low	ADJ
fsr-3456	373	7	explanatory	explanatory	ADJ
fsr-3456	373	8	power	power	NOUN
fsr-3456	373	9	.	.	PUNCT
fsr-3456	374	1	given	give	VERB
fsr-3456	374	2	the	the	DET
fsr-3456	374	3	focus	focus	NOUN
fsr-3456	374	4	on	on	ADP
fsr-3456	374	5	financial	financial	ADJ
fsr-3456	374	6	literacy	literacy	NOUN
fsr-3456	374	7	in	in	ADP
fsr-3456	374	8	the	the	DET
fsr-3456	374	9	hypothesis	hypothesis	NOUN
fsr-3456	374	10	,	,	PUNCT
fsr-3456	374	11	we	we	PRON
fsr-3456	374	12	conducted	conduct	VERB
fsr-3456	374	13	further	further	ADJ
fsr-3456	374	14	tests	test	NOUN
fsr-3456	374	15	of	of	ADP
fsr-3456	374	16	the	the	DET
fsr-3456	374	17	finlitscore	finlitscore	NOUN
fsr-3456	374	18	as	as	ADP
fsr-3456	374	19	the	the	DET
fsr-3456	374	20	dependent	dependent	ADJ
fsr-3456	374	21	variable	variable	NOUN
fsr-3456	374	22	.	.	PUNCT
fsr-3456	375	1	results	result	NOUN
fsr-3456	375	2	of	of	ADP
fsr-3456	375	3	the	the	DET
fsr-3456	375	4	ordered	order	VERB
fsr-3456	375	5	logit	logit	PROPN
fsr-3456	375	6	model	model	NOUN
fsr-3456	375	7	,	,	PUNCT
fsr-3456	375	8	marginal	marginal	ADJ
fsr-3456	375	9	effects	effect	NOUN
fsr-3456	375	10	of	of	ADP
fsr-3456	375	11	the	the	DET
fsr-3456	375	12	highest	high	ADJ
fsr-3456	375	13	level	level	NOUN
fsr-3456	375	14	(	(	PUNCT
fsr-3456	375	15	outcome	outcome	NOUN
fsr-3456	375	16	3	3	NUM
fsr-3456	375	17	)	)	PUNCT
fsr-3456	375	18	,	,	PUNCT
fsr-3456	375	19	and	and	CCONJ
fsr-3456	375	20	an	an	DET
fsr-3456	375	21	ordered	order	VERB
fsr-3456	375	22	logit	logit	NOUN
fsr-3456	375	23	retaining	retain	VERB
fsr-3456	375	24	a	a	DET
fsr-3456	375	25	sample	sample	NOUN
fsr-3456	375	26	of	of	ADP
fsr-3456	375	27	those	those	PRON
fsr-3456	375	28	that	that	PRON
fsr-3456	375	29	scored	score	VERB
fsr-3456	375	30	the	the	DET
fsr-3456	375	31	highest	high	ADJ
fsr-3456	375	32	level	level	NOUN
fsr-3456	375	33	are	be	AUX
fsr-3456	375	34	provided	provide	VERB
fsr-3456	375	35	in	in	ADP
fsr-3456	375	36	table	table	NOUN
fsr-3456	375	37	6	6	NUM
fsr-3456	375	38	.	.	PUNCT
fsr-3456	376	1	these	these	DET
fsr-3456	376	2	models	model	NOUN
fsr-3456	376	3	answer	answer	VERB
fsr-3456	376	4	questions	question	NOUN
fsr-3456	376	5	as	as	ADP
fsr-3456	376	6	to	to	ADP
fsr-3456	376	7	what	what	DET
fsr-3456	376	8	factors	factor	NOUN
fsr-3456	376	9	are	be	AUX
fsr-3456	376	10	likely	likely	ADJ
fsr-3456	376	11	to	to	PART
fsr-3456	376	12	contribute	contribute	VERB
fsr-3456	376	13	to	to	ADP
fsr-3456	376	14	having	have	VERB
fsr-3456	376	15	a	a	DET
fsr-3456	376	16	high	high	ADJ
fsr-3456	376	17	financial	financial	ADJ
fsr-3456	376	18	literacy	literacy	NOUN
fsr-3456	376	19	score	score	NOUN
fsr-3456	376	20	.	.	PUNCT
fsr-3456	377	1	the	the	DET
fsr-3456	377	2	marginal	marginal	ADJ
fsr-3456	377	3	effects	effect	NOUN
fsr-3456	377	4	of	of	ADP
fsr-3456	377	5	the	the	DET
fsr-3456	377	6	highest	high	ADJ
fsr-3456	377	7	outcome	outcome	NOUN
fsr-3456	377	8	provide	provide	VERB
fsr-3456	377	9	more	more	ADJ
fsr-3456	377	10	consistency	consistency	NOUN
fsr-3456	377	11	with	with	ADP
fsr-3456	377	12	our	our	PRON
fsr-3456	377	13	original	original	ADJ
fsr-3456	377	14	expectations	expectation	NOUN
fsr-3456	377	15	.	.	PUNCT
fsr-3456	378	1	ccpay	ccpay	NOUN
fsr-3456	378	2	and	and	CCONJ
fsr-3456	378	3	usedebt	usedebt	PROPN
fsr-3456	378	4	were	be	AUX
fsr-3456	378	5	significant	significant	ADJ
fsr-3456	378	6	with	with	ADP
fsr-3456	378	7	negative	negative	ADJ
fsr-3456	378	8	coefficients	coefficient	NOUN
fsr-3456	378	9	.	.	PUNCT
fsr-3456	379	1	people	people	NOUN
fsr-3456	379	2	with	with	ADP
fsr-3456	379	3	higher	high	ADJ
fsr-3456	379	4	levels	level	NOUN
fsr-3456	379	5	of	of	ADP
fsr-3456	379	6	financial	financial	ADJ
fsr-3456	379	7	literacy	literacy	NOUN
fsr-3456	379	8	,	,	PUNCT
fsr-3456	379	9	therefore	therefore	ADV
fsr-3456	379	10	,	,	PUNCT
fsr-3456	379	11	pay	pay	VERB
fsr-3456	379	12	their	their	PRON
fsr-3456	379	13	bills	bill	NOUN
fsr-3456	379	14	on	on	ADP
fsr-3456	379	15	time	time	NOUN
fsr-3456	379	16	and	and	CCONJ
fsr-3456	379	17	do	do	AUX
fsr-3456	379	18	not	not	PART
fsr-3456	379	19	use	use	VERB
fsr-3456	379	20	debt	debt	NOUN
fsr-3456	379	21	.	.	PUNCT
fsr-3456	380	1	frisk	frisk	NOUN
fsr-3456	380	2	is	be	AUX
fsr-3456	380	3	also	also	ADV
fsr-3456	380	4	t.	t.	PROPN
fsr-3456	380	5	west	west	PROPN
fsr-3456	380	6	et	et	PROPN
fsr-3456	380	7	al	al	PROPN
fsr-3456	380	8	.	.	PUNCT
fsr-3456	380	9	/	/	SYM
fsr-3456	380	10	financial	financial	ADJ
fsr-3456	380	11	services	service	NOUN
fsr-3456	380	12	review	review	VERB
fsr-3456	380	13	29	29	NUM
fsr-3456	380	14	(	(	PUNCT
fsr-3456	380	15	2021	2021	NUM
fsr-3456	380	16	)	)	PUNCT
fsr-3456	380	17	187–207	187–207	NUM
fsr-3456	380	18	201	201	NUM
fsr-3456	380	19	positive	positive	ADJ
fsr-3456	380	20	and	and	CCONJ
fsr-3456	380	21	significant	significant	ADJ
fsr-3456	380	22	,	,	PUNCT
fsr-3456	380	23	providing	provide	VERB
fsr-3456	380	24	further	further	ADJ
fsr-3456	380	25	evidence	evidence	NOUN
fsr-3456	380	26	that	that	SCONJ
fsr-3456	380	27	people	people	NOUN
fsr-3456	380	28	willing	willing	ADJ
fsr-3456	380	29	to	to	PART
fsr-3456	380	30	take	take	VERB
fsr-3456	380	31	financial	financial	ADJ
fsr-3456	380	32	risk	risk	NOUN
fsr-3456	380	33	have	have	AUX
fsr-3456	380	34	a	a	DET
fsr-3456	380	35	good	good	ADJ
fsr-3456	380	36	level	level	NOUN
fsr-3456	380	37	of	of	ADP
fsr-3456	380	38	financial	financial	ADJ
fsr-3456	380	39	knowledge	knowledge	NOUN
fsr-3456	380	40	.	.	PUNCT
fsr-3456	381	1	gender	gender	NOUN
fsr-3456	381	2	has	have	VERB
fsr-3456	381	3	a	a	DET
fsr-3456	381	4	negative	negative	ADJ
fsr-3456	381	5	association	association	NOUN
fsr-3456	381	6	that	that	PRON
fsr-3456	381	7	is	be	AUX
fsr-3456	381	8	well	well	ADV
fsr-3456	381	9	supported	support	VERB
fsr-3456	381	10	by	by	ADP
fsr-3456	381	11	the	the	DET
fsr-3456	381	12	literature	literature	NOUN
fsr-3456	381	13	that	that	PRON
fsr-3456	381	14	females	female	NOUN
fsr-3456	381	15	score	score	VERB
fsr-3456	381	16	less	less	ADV
fsr-3456	381	17	well	well	ADV
fsr-3456	381	18	on	on	ADP
fsr-3456	381	19	questions	question	NOUN
fsr-3456	381	20	of	of	ADP
fsr-3456	381	21	financial	financial	ADJ
fsr-3456	381	22	literacy	literacy	NOUN
fsr-3456	381	23	than	than	ADP
fsr-3456	381	24	men	man	NOUN
fsr-3456	381	25	.	.	PUNCT
fsr-3456	382	1	our	our	PRON
fsr-3456	382	2	analysis	analysis	NOUN
fsr-3456	382	3	concludes	conclude	VERB
fsr-3456	382	4	that	that	SCONJ
fsr-3456	382	5	financial	financial	ADJ
fsr-3456	382	6	literacy	literacy	NOUN
fsr-3456	382	7	and	and	CCONJ
fsr-3456	382	8	financial	financial	ADJ
fsr-3456	382	9	wellbeing	wellbeing	NOUN
fsr-3456	382	10	are	be	AUX
fsr-3456	382	11	not	not	PART
fsr-3456	382	12	related	relate	VERB
fsr-3456	382	13	constructs	construct	NOUN
fsr-3456	382	14	.	.	PUNCT
fsr-3456	383	1	however	however	ADV
fsr-3456	383	2	,	,	PUNCT
fsr-3456	383	3	we	we	PRON
fsr-3456	383	4	do	do	AUX
fsr-3456	383	5	find	find	VERB
fsr-3456	383	6	that	that	SCONJ
fsr-3456	383	7	good	good	ADJ
fsr-3456	383	8	money	money	NOUN
fsr-3456	383	9	habits	habit	NOUN
fsr-3456	383	10	like	like	ADP
fsr-3456	383	11	saving	save	VERB
fsr-3456	383	12	and	and	CCONJ
fsr-3456	383	13	planning	planning	NOUN
fsr-3456	383	14	contribute	contribute	VERB
fsr-3456	383	15	to	to	ADP
fsr-3456	383	16	higher	high	ADJ
fsr-3456	383	17	levels	level	NOUN
fsr-3456	383	18	of	of	ADP
fsr-3456	383	19	financial	financial	ADJ
fsr-3456	383	20	wellbeing	wellbeing	NOUN
fsr-3456	383	21	,	,	PUNCT
fsr-3456	383	22	but	but	CCONJ
fsr-3456	383	23	mostly	mostly	ADV
fsr-3456	383	24	when	when	SCONJ
fsr-3456	383	25	current	current	ADJ
fsr-3456	383	26	money	money	NOUN
fsr-3456	383	27	management	management	NOUN
fsr-3456	383	28	circumstances	circumstance	NOUN
fsr-3456	383	29	are	be	AUX
fsr-3456	383	30	excluded	exclude	VERB
fsr-3456	383	31	.	.	PUNCT
fsr-3456	384	1	when	when	SCONJ
fsr-3456	384	2	both	both	DET
fsr-3456	384	3	data	datum	NOUN
fsr-3456	384	4	sets	set	NOUN
fsr-3456	384	5	are	be	AUX
fsr-3456	384	6	included	include	VERB
fsr-3456	384	7	together	together	ADV
fsr-3456	384	8	,	,	PUNCT
fsr-3456	384	9	current	current	ADJ
fsr-3456	384	10	financial	financial	ADJ
fsr-3456	384	11	stress	stress	NOUN
fsr-3456	384	12	dominates	dominate	VERB
fsr-3456	384	13	as	as	ADP
fsr-3456	384	14	a	a	DET
fsr-3456	384	15	determinant	determinant	NOUN
fsr-3456	384	16	of	of	ADP
fsr-3456	384	17	financial	financial	ADJ
fsr-3456	384	18	wellbeing	wellbeing	NOUN
fsr-3456	384	19	.	.	PUNCT
fsr-3456	385	1	importantly	importantly	ADV
fsr-3456	385	2	though	though	ADV
fsr-3456	385	3	,	,	PUNCT
fsr-3456	385	4	current	current	ADJ
fsr-3456	385	5	financial	financial	ADJ
fsr-3456	385	6	stress	stress	NOUN
fsr-3456	385	7	is	be	AUX
fsr-3456	385	8	not	not	PART
fsr-3456	385	9	the	the	DET
fsr-3456	385	10	single	single	ADJ
fsr-3456	385	11	determinant	determinant	NOUN
fsr-3456	385	12	of	of	ADP
fsr-3456	385	13	financial	financial	ADJ
fsr-3456	385	14	wellbeing	wellbeing	NOUN
fsr-3456	385	15	,	,	PUNCT
fsr-3456	385	16	and	and	CCONJ
fsr-3456	385	17	respondents	respondent	NOUN
fsr-3456	385	18	seem	seem	VERB
fsr-3456	385	19	to	to	PART
fsr-3456	385	20	include	include	VERB
fsr-3456	385	21	table	table	NOUN
fsr-3456	385	22	6	6	NUM
fsr-3456	385	23	ordered	order	VERB
fsr-3456	385	24	logit	logit	NOUN
fsr-3456	385	25	results	result	NOUN
fsr-3456	385	26	for	for	ADP
fsr-3456	385	27	financial	financial	ADJ
fsr-3456	385	28	literacy	literacy	NOUN
fsr-3456	385	29	score	score	NOUN
fsr-3456	385	30	ologit	ologit	NOUN
fsr-3456	385	31	marginal	marginal	ADJ
fsr-3456	385	32	effects	effect	NOUN
fsr-3456	385	33	parameter	parameter	NOUN
fsr-3456	385	34	odds	odd	VERB
fsr-3456	385	35	ratio	ratio	NOUN
fsr-3456	385	36	odds	odd	NOUN
fsr-3456	385	37	ratio	ratio	NOUN
fsr-3456	385	38	ccpay	ccpay	NOUN
fsr-3456	385	39	0.488	0.488	NUM
fsr-3456	385	40	�	�	PROPN
fsr-3456	385	41	0.118	0.118	NUM
fsr-3456	385	42	*	*	PUNCT
fsr-3456	385	43	0.229	0.229	NUM
fsr-3456	385	44	0.077	0.077	NUM
fsr-3456	385	45	bills	bill	NOUN
fsr-3456	385	46	1.791	1.791	NUM
fsr-3456	385	47	0.096	0.096	NUM
fsr-3456	385	48	0.779	0.779	NUM
fsr-3456	385	49	0.072	0.072	NUM
fsr-3456	385	50	emg500	emg500	PROPN
fsr-3456	385	51	0.756	0.756	NUM
fsr-3456	385	52	�	�	PROPN
fsr-3456	385	53	0.046	0.046	NUM
fsr-3456	385	54	0.260	0.260	NUM
fsr-3456	385	55	0.079	0.079	NUM
fsr-3456	385	56	usedebt	usedebt	ADP
fsr-3456	385	57	0.545	0.545	NUM
fsr-3456	385	58	*	*	PUNCT
fsr-3456	385	59	�	�	PROPN
fsr-3456	385	60	0.100	0.100	NUM
fsr-3456	385	61	*	*	PUNCT
fsr-3456	385	62	*	*	PUNCT
fsr-3456	385	63	0.159	0.159	NUM
fsr-3456	385	64	0.047	0.047	NUM
fsr-3456	385	65	spendmore	spendmore	NOUN
fsr-3456	385	66	1.073	1.073	NUM
fsr-3456	385	67	0.012	0.012	NUM
fsr-3456	385	68	0.313	0.313	NUM
fsr-3456	385	69	0.048	0.048	NUM
fsr-3456	385	70	matimp	matimp	NOUN
fsr-3456	385	71	0.952	0.952	NUM
fsr-3456	385	72	�	�	PROPN
fsr-3456	385	73	0.008	0.008	NUM
fsr-3456	385	74	0.351	0.351	NUM
fsr-3456	385	75	0.061	0.061	NUM
fsr-3456	385	76	mathap	mathap	NOUN
fsr-3456	385	77	0.974	0.974	NUM
fsr-3456	385	78	�	�	PROPN
fsr-3456	385	79	0.004	0.004	NUM
fsr-3456	385	80	0.293	0.293	NUM
fsr-3456	385	81	0.049	0.049	NUM
fsr-3456	385	82	finstress	finstress	NOUN
fsr-3456	385	83	0.917	0.917	NUM
fsr-3456	385	84	�	�	PROPN
fsr-3456	385	85	0.014	0.014	NUM
fsr-3456	385	86	0.347	0.347	NUM
fsr-3456	385	87	0.062	0.062	NUM
fsr-3456	385	88	conf	conf	NOUN
fsr-3456	385	89	1.362	1.362	NUM
fsr-3456	385	90	0.051	0.051	NUM
fsr-3456	385	91	0.501	0.501	NUM
fsr-3456	385	92	0.060	0.060	NUM
fsr-3456	385	93	psav	psav	NOUN
fsr-3456	385	94	0.911	0.911	NUM
fsr-3456	385	95	�	�	PROPN
fsr-3456	385	96	0.015	0.015	NUM
fsr-3456	385	97	0.281	0.281	NUM
fsr-3456	385	98	0.051	0.051	NUM
fsr-3456	385	99	pplan	pplan	NOUN
fsr-3456	385	100	0.824	0.824	NUM
fsr-3456	385	101	�	�	PROPN
fsr-3456	385	102	0.032	0.032	NUM
fsr-3456	385	103	0.286	0.286	NUM
fsr-3456	385	104	0.057	0.057	NUM
fsr-3456	385	105	frisk	frisk	NOUN
fsr-3456	385	106	1.452	1.452	NUM
fsr-3456	385	107	*	*	PUNCT
fsr-3456	385	108	0.061	0.061	NUM
fsr-3456	385	109	*	*	PUNCT
fsr-3456	385	110	0.287	0.287	NUM
fsr-3456	385	111	0.032	0.032	NUM
fsr-3456	385	112	plan	plan	NOUN
fsr-3456	385	113	0.919	0.919	NUM
fsr-3456	385	114	�	�	NOUN
fsr-3456	385	115	0.014	0.014	NUM
fsr-3456	385	116	0.138	0.138	NUM
fsr-3456	385	117	0.025	0.025	NUM
fsr-3456	385	118	gender	gender	NOUN
fsr-3456	385	119	0.404	0.404	NUM
fsr-3456	385	120	*	*	PUNCT
fsr-3456	385	121	*	*	PUNCT
fsr-3456	385	122	�	�	PRON
fsr-3456	385	123	0.149	0.149	NUM
fsr-3456	385	124	*	*	PUNCT
fsr-3456	385	125	*	*	PUNCT
fsr-3456	385	126	0.162	0.162	NUM
fsr-3456	385	127	0.063	0.063	NUM
fsr-3456	385	128	agec	agec	VERB
fsr-3456	385	129	1.262	1.262	NUM
fsr-3456	385	130	0.038	0.038	NUM
fsr-3456	385	131	0.203	0.203	NUM
fsr-3456	385	132	0.026	0.026	NUM
fsr-3456	385	133	income	income	NOUN
fsr-3456	385	134	1.007	1.007	NUM
fsr-3456	385	135	0.001	0.001	NUM
fsr-3456	385	136	0.101	0.101	NUM
fsr-3456	385	137	0.017	0.017	NUM
fsr-3456	385	138	edu	edu	PROPN
fsr-3456	385	139	1.472	1.472	NUM
fsr-3456	385	140	0.064	0.064	NUM
fsr-3456	385	141	0.352	0.352	NUM
fsr-3456	385	142	0.039	0.039	NUM
fsr-3456	385	143	pseudo	pseudo	NOUN
fsr-3456	385	144	r2	r2	NOUN
fsr-3456	385	145	0.128	0.128	NUM
fsr-3456	386	1	lr	lr	X
fsr-3456	386	2	x2	x2	PROPN
fsr-3456	386	3	43.47	43.47	NUM
fsr-3456	386	4	*	*	PUNCT
fsr-3456	387	1	*	*	PUNCT
fsr-3456	387	2	202	202	NUM
fsr-3456	387	3	t.	t.	NOUN
fsr-3456	387	4	west	west	PROPN
fsr-3456	387	5	et	et	PROPN
fsr-3456	387	6	al	al	PROPN
fsr-3456	387	7	.	.	PUNCT
fsr-3456	387	8	/	/	SYM
fsr-3456	387	9	financial	financial	ADJ
fsr-3456	387	10	services	service	NOUN
fsr-3456	387	11	review	review	VERB
fsr-3456	387	12	29	29	NUM
fsr-3456	387	13	(	(	PUNCT
fsr-3456	387	14	2021	2021	NUM
fsr-3456	387	15	)	)	PUNCT
fsr-3456	387	16	187–207	187–207	NUM
fsr-3456	387	17	their	their	PRON
fsr-3456	387	18	preparedness	preparedness	NOUN
fsr-3456	387	19	for	for	ADP
fsr-3456	387	20	the	the	DET
fsr-3456	387	21	future	future	NOUN
fsr-3456	387	22	into	into	ADP
fsr-3456	387	23	their	their	PRON
fsr-3456	387	24	level	level	NOUN
fsr-3456	387	25	of	of	ADP
fsr-3456	387	26	financial	financial	ADJ
fsr-3456	387	27	wellbeing	wellbeing	NOUN
fsr-3456	387	28	.	.	PUNCT
fsr-3456	388	1	this	this	PRON
fsr-3456	388	2	is	be	AUX
fsr-3456	388	3	especially	especially	ADV
fsr-3456	388	4	salient	salient	ADJ
fsr-3456	388	5	for	for	ADP
fsr-3456	388	6	university	university	NOUN
fsr-3456	388	7	students	student	NOUN
fsr-3456	388	8	who	who	PRON
fsr-3456	388	9	expect	expect	VERB
fsr-3456	388	10	their	their	PRON
fsr-3456	388	11	level	level	NOUN
fsr-3456	388	12	of	of	ADP
fsr-3456	388	13	income	income	NOUN
fsr-3456	388	14	to	to	PART
fsr-3456	388	15	increase	increase	VERB
fsr-3456	388	16	in	in	ADP
fsr-3456	388	17	the	the	DET
fsr-3456	388	18	future	future	NOUN
fsr-3456	388	19	as	as	ADP
fsr-3456	388	20	a	a	DET
fsr-3456	388	21	result	result	NOUN
fsr-3456	388	22	of	of	ADP
fsr-3456	388	23	graduating	graduate	VERB
fsr-3456	388	24	with	with	ADP
fsr-3456	388	25	a	a	DET
fsr-3456	388	26	university	university	NOUN
fsr-3456	388	27	qualification	qualification	NOUN
fsr-3456	388	28	and	and	CCONJ
fsr-3456	388	29	ability	ability	NOUN
fsr-3456	388	30	to	to	PART
fsr-3456	388	31	commit	commit	VERB
fsr-3456	388	32	to	to	ADP
fsr-3456	388	33	working	work	VERB
fsr-3456	388	34	longer	long	ADJ
fsr-3456	388	35	hours	hour	NOUN
fsr-3456	388	36	once	once	SCONJ
fsr-3456	388	37	their	their	PRON
fsr-3456	388	38	studies	study	NOUN
fsr-3456	388	39	are	be	AUX
fsr-3456	388	40	completed	complete	VERB
fsr-3456	388	41	.	.	PUNCT
fsr-3456	389	1	these	these	DET
fsr-3456	389	2	findings	finding	NOUN
fsr-3456	389	3	contribute	contribute	VERB
fsr-3456	389	4	to	to	ADP
fsr-3456	389	5	the	the	DET
fsr-3456	389	6	literature	literature	NOUN
fsr-3456	389	7	on	on	ADP
fsr-3456	389	8	financial	financial	ADJ
fsr-3456	389	9	wellbeing	wellbeing	NOUN
fsr-3456	389	10	and	and	CCONJ
fsr-3456	389	11	the	the	DET
fsr-3456	389	12	application	application	NOUN
fsr-3456	389	13	of	of	ADP
fsr-3456	389	14	the	the	DET
fsr-3456	389	15	netemeyer	netemeyer	PROPN
fsr-3456	389	16	et	et	PROPN
fsr-3456	389	17	al	al	PROPN
fsr-3456	389	18	.	.	PROPN
fsr-3456	390	1	(	(	PUNCT
fsr-3456	390	2	2018	2018	NUM
fsr-3456	390	3	)	)	PUNCT
fsr-3456	390	4	financial	financial	ADJ
fsr-3456	390	5	wellbeing	wellbee	VERB
fsr-3456	390	6	framework	framework	NOUN
fsr-3456	390	7	,	,	PUNCT
fsr-3456	390	8	as	as	SCONJ
fsr-3456	390	9	specified	specify	VERB
fsr-3456	390	10	and	and	CCONJ
fsr-3456	390	11	with	with	ADP
fsr-3456	390	12	the	the	DET
fsr-3456	390	13	limits	limit	NOUN
fsr-3456	390	14	of	of	ADP
fsr-3456	390	15	the	the	DET
fsr-3456	390	16	data	datum	NOUN
fsr-3456	390	17	.	.	PUNCT
fsr-3456	391	1	for	for	ADP
fsr-3456	391	2	educators	educator	NOUN
fsr-3456	391	3	and	and	CCONJ
fsr-3456	391	4	practitioners	practitioner	NOUN
fsr-3456	391	5	,	,	PUNCT
fsr-3456	391	6	we	we	PRON
fsr-3456	391	7	highlight	highlight	VERB
fsr-3456	391	8	the	the	DET
fsr-3456	391	9	importance	importance	NOUN
fsr-3456	391	10	of	of	ADP
fsr-3456	391	11	good	good	ADJ
fsr-3456	391	12	financial	financial	ADJ
fsr-3456	391	13	savings	saving	NOUN
fsr-3456	391	14	habits	habit	NOUN
fsr-3456	391	15	,	,	PUNCT
fsr-3456	391	16	financial	financial	ADJ
fsr-3456	391	17	risk	risk	NOUN
fsr-3456	391	18	-	-	PUNCT
fsr-3456	391	19	taking	taking	NOUN
fsr-3456	391	20	and	and	CCONJ
fsr-3456	391	21	income	income	NOUN
fsr-3456	391	22	in	in	ADP
fsr-3456	391	23	achieving	achieve	VERB
fsr-3456	391	24	higher	high	ADJ
fsr-3456	391	25	levels	level	NOUN
fsr-3456	391	26	of	of	ADP
fsr-3456	391	27	financial	financial	ADJ
fsr-3456	391	28	wellbeing	wellbeing	NOUN
fsr-3456	391	29	in	in	ADP
fsr-3456	391	30	clients	client	NOUN
fsr-3456	391	31	and	and	CCONJ
fsr-3456	391	32	students	student	NOUN
fsr-3456	391	33	.	.	PUNCT
fsr-3456	392	1	finally	finally	ADV
fsr-3456	392	2	we	we	PRON
fsr-3456	392	3	note	note	VERB
fsr-3456	392	4	that	that	SCONJ
fsr-3456	392	5	these	these	DET
fsr-3456	392	6	findings	finding	NOUN
fsr-3456	392	7	may	may	AUX
fsr-3456	392	8	be	be	AUX
fsr-3456	392	9	context	context	NOUN
fsr-3456	392	10	specific	specific	ADJ
fsr-3456	392	11	,	,	PUNCT
fsr-3456	392	12	as	as	SCONJ
fsr-3456	392	13	students	student	NOUN
fsr-3456	392	14	experience	experience	VERB
fsr-3456	392	15	low	low	ADJ
fsr-3456	392	16	and	and	CCONJ
fsr-3456	392	17	irregular	irregular	ADJ
fsr-3456	392	18	incomes	income	NOUN
fsr-3456	392	19	,	,	PUNCT
fsr-3456	392	20	which	which	PRON
fsr-3456	392	21	can	can	AUX
fsr-3456	392	22	lead	lead	VERB
fsr-3456	392	23	to	to	ADP
fsr-3456	392	24	increased	increase	VERB
fsr-3456	392	25	vulnerability	vulnerability	NOUN
fsr-3456	392	26	to	to	ADP
fsr-3456	392	27	external	external	ADJ
fsr-3456	392	28	shocks	shock	NOUN
fsr-3456	392	29	and	and	CCONJ
fsr-3456	392	30	uncertainty	uncertainty	NOUN
fsr-3456	392	31	.	.	PUNCT
fsr-3456	393	1	however	however	ADV
fsr-3456	393	2	,	,	PUNCT
fsr-3456	393	3	many	many	ADJ
fsr-3456	393	4	other	other	ADJ
fsr-3456	393	5	workers	worker	NOUN
fsr-3456	393	6	experience	experience	VERB
fsr-3456	393	7	irregular	irregular	ADJ
fsr-3456	393	8	incomes	income	NOUN
fsr-3456	393	9	due	due	ADP
fsr-3456	393	10	to	to	ADP
fsr-3456	393	11	the	the	DET
fsr-3456	393	12	rise	rise	NOUN
fsr-3456	393	13	of	of	ADP
fsr-3456	393	14	the	the	DET
fsr-3456	393	15	gig	gig	NOUN
fsr-3456	393	16	economy	economy	NOUN
fsr-3456	393	17	.	.	PUNCT
fsr-3456	394	1	proponents	proponent	NOUN
fsr-3456	394	2	of	of	ADP
fsr-3456	394	3	financial	financial	ADJ
fsr-3456	394	4	literacy	literacy	NOUN
fsr-3456	394	5	education	education	NOUN
fsr-3456	394	6	should	should	AUX
fsr-3456	394	7	persevere	persevere	VERB
fsr-3456	394	8	,	,	PUNCT
fsr-3456	394	9	recognizing	recognize	VERB
fsr-3456	394	10	the	the	DET
fsr-3456	394	11	limits	limit	NOUN
fsr-3456	394	12	to	to	ADP
fsr-3456	394	13	transferring	transfer	VERB
fsr-3456	394	14	knowledge	knowledge	NOUN
fsr-3456	394	15	and	and	CCONJ
fsr-3456	394	16	set	set	VERB
fsr-3456	394	17	evidence	evidence	NOUN
fsr-3456	394	18	-	-	PUNCT
fsr-3456	394	19	based	base	VERB
fsr-3456	394	20	goals	goal	NOUN
fsr-3456	394	21	for	for	ADP
fsr-3456	394	22	financial	financial	ADJ
fsr-3456	394	23	literacy	literacy	NOUN
fsr-3456	394	24	education	education	NOUN
fsr-3456	394	25	.	.	PUNCT
fsr-3456	395	1	5	5	X
fsr-3456	395	2	.	.	X
fsr-3456	395	3	discussion	discussion	NOUN
fsr-3456	395	4	and	and	CCONJ
fsr-3456	395	5	conclusion	conclusion	NOUN
fsr-3456	395	6	the	the	DET
fsr-3456	395	7	financial	financial	ADJ
fsr-3456	395	8	wellbeing	wellbeing	NOUN
fsr-3456	395	9	of	of	ADP
fsr-3456	395	10	students	student	NOUN
fsr-3456	395	11	is	be	AUX
fsr-3456	395	12	of	of	ADP
fsr-3456	395	13	concern	concern	NOUN
fsr-3456	395	14	to	to	ADP
fsr-3456	395	15	universities	university	NOUN
fsr-3456	395	16	both	both	PRON
fsr-3456	395	17	to	to	PART
fsr-3456	395	18	facilitate	facilitate	VERB
fsr-3456	395	19	learning	learning	NOUN
fsr-3456	395	20	and	and	CCONJ
fsr-3456	395	21	to	to	PART
fsr-3456	395	22	prepare	prepare	VERB
fsr-3456	395	23	them	they	PRON
fsr-3456	395	24	for	for	ADP
fsr-3456	395	25	future	future	ADJ
fsr-3456	395	26	financial	financial	ADJ
fsr-3456	395	27	decision	decision	NOUN
fsr-3456	395	28	-	-	PUNCT
fsr-3456	395	29	making	making	NOUN
fsr-3456	395	30	as	as	ADP
fsr-3456	395	31	participants	participant	NOUN
fsr-3456	395	32	in	in	ADP
fsr-3456	395	33	the	the	DET
fsr-3456	395	34	economy	economy	NOUN
fsr-3456	395	35	.	.	PUNCT
fsr-3456	396	1	as	as	SCONJ
fsr-3456	396	2	the	the	DET
fsr-3456	396	3	increase	increase	NOUN
fsr-3456	396	4	in	in	ADP
fsr-3456	396	5	outstanding	outstanding	ADJ
fsr-3456	396	6	student	student	NOUN
fsr-3456	396	7	debt	debt	NOUN
fsr-3456	396	8	and	and	CCONJ
fsr-3456	396	9	student	student	NOUN
fsr-3456	396	10	loan	loan	NOUN
fsr-3456	396	11	defaults	default	NOUN
fsr-3456	396	12	has	have	AUX
fsr-3456	396	13	raised	raise	VERB
fsr-3456	396	14	concerns	concern	NOUN
fsr-3456	396	15	regarding	regard	VERB
fsr-3456	396	16	the	the	DET
fsr-3456	396	17	value	value	NOUN
fsr-3456	396	18	of	of	ADP
fsr-3456	396	19	higher	high	ADJ
fsr-3456	396	20	education	education	NOUN
fsr-3456	396	21	outcomes	outcome	NOUN
fsr-3456	396	22	and	and	CCONJ
fsr-3456	396	23	the	the	DET
fsr-3456	396	24	consequences	consequence	NOUN
fsr-3456	396	25	of	of	ADP
fsr-3456	396	26	over	over	ADP
fsr-3456	396	27	-	-	PUNCT
fsr-3456	396	28	indebtedness	indebtedness	NOUN
fsr-3456	396	29	for	for	ADP
fsr-3456	396	30	young	young	ADJ
fsr-3456	396	31	borrowers	borrower	NOUN
fsr-3456	396	32	(	(	PUNCT
fsr-3456	396	33	artavanisa	artavanisa	NOUN
fsr-3456	396	34	&	&	CCONJ
fsr-3456	396	35	karra	karra	NOUN
fsr-3456	396	36	,	,	PUNCT
fsr-3456	396	37	2020	2020	NUM
fsr-3456	396	38	;	;	PUNCT
fsr-3456	396	39	mueller	mueller	PROPN
fsr-3456	396	40	&	&	CCONJ
fsr-3456	396	41	yannelis	yannelis	PROPN
fsr-3456	396	42	,	,	PUNCT
fsr-3456	396	43	2019	2019	NUM
fsr-3456	396	44	)	)	PUNCT
fsr-3456	396	45	,	,	PUNCT
fsr-3456	396	46	it	it	PRON
fsr-3456	396	47	could	could	AUX
fsr-3456	396	48	further	far	ADV
fsr-3456	396	49	be	be	AUX
fsr-3456	396	50	argued	argue	VERB
fsr-3456	396	51	that	that	SCONJ
fsr-3456	396	52	universities	university	NOUN
fsr-3456	396	53	have	have	VERB
fsr-3456	396	54	a	a	DET
fsr-3456	396	55	moral	moral	ADJ
fsr-3456	396	56	obligation	obligation	NOUN
fsr-3456	396	57	to	to	PART
fsr-3456	396	58	support	support	VERB
fsr-3456	396	59	students	student	NOUN
fsr-3456	396	60	in	in	ADP
fsr-3456	396	61	managing	manage	VERB
fsr-3456	396	62	their	their	PRON
fsr-3456	396	63	finances	finance	NOUN
fsr-3456	396	64	.	.	PUNCT
fsr-3456	397	1	financial	financial	ADJ
fsr-3456	397	2	literacy	literacy	NOUN
fsr-3456	397	3	education	education	NOUN
fsr-3456	397	4	seems	seem	VERB
fsr-3456	397	5	an	an	DET
fsr-3456	397	6	appropriate	appropriate	ADJ
fsr-3456	397	7	solution	solution	NOUN
fsr-3456	397	8	.	.	PUNCT
fsr-3456	398	1	however	however	ADV
fsr-3456	398	2	,	,	PUNCT
fsr-3456	398	3	if	if	SCONJ
fsr-3456	398	4	financial	financial	ADJ
fsr-3456	398	5	literacy	literacy	NOUN
fsr-3456	398	6	is	be	AUX
fsr-3456	398	7	well	well	ADV
fsr-3456	398	8	proxied	proxie	VERB
fsr-3456	398	9	by	by	ADP
fsr-3456	398	10	the	the	DET
fsr-3456	398	11	big	big	ADJ
fsr-3456	398	12	three	three	NUM
fsr-3456	398	13	questions	question	NOUN
fsr-3456	398	14	,	,	PUNCT
fsr-3456	398	15	then	then	ADV
fsr-3456	398	16	knowledge	knowledge	NOUN
fsr-3456	398	17	alone	alone	ADV
fsr-3456	398	18	will	will	AUX
fsr-3456	398	19	not	not	PART
fsr-3456	398	20	achieve	achieve	VERB
fsr-3456	398	21	the	the	DET
fsr-3456	398	22	intended	intended	ADJ
fsr-3456	398	23	outcome	outcome	NOUN
fsr-3456	398	24	.	.	PUNCT
fsr-3456	399	1	after	after	ADV
fsr-3456	399	2	all	all	ADV
fsr-3456	399	3	,	,	PUNCT
fsr-3456	399	4	understanding	understand	VERB
fsr-3456	399	5	the	the	DET
fsr-3456	399	6	concept	concept	NOUN
fsr-3456	399	7	of	of	ADP
fsr-3456	399	8	compound	compound	NOUN
fsr-3456	399	9	interest	interest	NOUN
fsr-3456	399	10	is	be	AUX
fsr-3456	399	11	of	of	ADP
fsr-3456	399	12	little	little	ADJ
fsr-3456	399	13	use	use	NOUN
fsr-3456	399	14	if	if	SCONJ
fsr-3456	399	15	living	live	VERB
fsr-3456	399	16	hand	hand	NOUN
fsr-3456	399	17	-	-	PUNCT
fsr-3456	399	18	to	to	ADP
fsr-3456	399	19	-	-	PUNCT
fsr-3456	399	20	mouth	mouth	NOUN
fsr-3456	399	21	or	or	CCONJ
fsr-3456	399	22	if	if	SCONJ
fsr-3456	399	23	economic	economic	ADJ
fsr-3456	399	24	choice	choice	NOUN
fsr-3456	399	25	is	be	AUX
fsr-3456	399	26	confined	confine	VERB
fsr-3456	399	27	due	due	ADJ
fsr-3456	399	28	to	to	ADP
fsr-3456	399	29	household	household	NOUN
fsr-3456	399	30	arrangement	arrangement	NOUN
fsr-3456	399	31	.	.	PUNCT
fsr-3456	400	1	therefore	therefore	ADV
fsr-3456	400	2	,	,	PUNCT
fsr-3456	400	3	public	public	ADJ
fsr-3456	400	4	policy	policy	NOUN
fsr-3456	400	5	makers	maker	NOUN
fsr-3456	400	6	and	and	CCONJ
fsr-3456	400	7	educators	educator	NOUN
fsr-3456	400	8	that	that	PRON
fsr-3456	400	9	advocate	advocate	VERB
fsr-3456	400	10	for	for	ADP
fsr-3456	400	11	financial	financial	ADJ
fsr-3456	400	12	literacy	literacy	NOUN
fsr-3456	400	13	interventions	intervention	NOUN
fsr-3456	400	14	should	should	AUX
fsr-3456	400	15	add	add	VERB
fsr-3456	400	16	strategies	strategy	NOUN
fsr-3456	400	17	for	for	ADP
fsr-3456	400	18	improving	improve	VERB
fsr-3456	400	19	incomes	income	NOUN
fsr-3456	400	20	to	to	ADP
fsr-3456	400	21	their	their	PRON
fsr-3456	400	22	arsenal	arsenal	NOUN
fsr-3456	400	23	.	.	PUNCT
fsr-3456	401	1	the	the	DET
fsr-3456	401	2	playing	play	VERB
fsr-3456	401	3	field	field	NOUN
fsr-3456	401	4	is	be	AUX
fsr-3456	401	5	not	not	PART
fsr-3456	401	6	level	level	ADJ
fsr-3456	401	7	,	,	PUNCT
fsr-3456	401	8	government	government	NOUN
fsr-3456	401	9	safety	safety	NOUN
fsr-3456	401	10	nets	net	NOUN
fsr-3456	401	11	are	be	AUX
fsr-3456	401	12	often	often	ADV
fsr-3456	401	13	inadequate	inadequate	ADJ
fsr-3456	401	14	,	,	PUNCT
fsr-3456	401	15	and	and	CCONJ
fsr-3456	401	16	non	non	ADJ
fsr-3456	401	17	-	-	NOUN
fsr-3456	401	18	participation	participation	NOUN
fsr-3456	401	19	in	in	ADP
fsr-3456	401	20	education	education	NOUN
fsr-3456	401	21	and	and	CCONJ
fsr-3456	401	22	work	work	NOUN
fsr-3456	401	23	can	can	AUX
fsr-3456	401	24	be	be	AUX
fsr-3456	401	25	intergenerational	intergenerational	ADJ
fsr-3456	401	26	.	.	PUNCT
fsr-3456	402	1	however	however	ADV
fsr-3456	402	2	,	,	PUNCT
fsr-3456	402	3	to	to	PART
fsr-3456	402	4	see	see	VERB
fsr-3456	402	5	more	more	ADV
fsr-3456	402	6	informed	informed	ADJ
fsr-3456	402	7	financial	financial	ADJ
fsr-3456	402	8	decision	decision	NOUN
fsr-3456	402	9	-	-	PUNCT
fsr-3456	402	10	making	making	NOUN
fsr-3456	402	11	and	and	CCONJ
fsr-3456	402	12	to	to	PART
fsr-3456	402	13	improve	improve	VERB
fsr-3456	402	14	wealth	wealth	NOUN
fsr-3456	402	15	and	and	CCONJ
fsr-3456	402	16	wellbeing	wellbee	VERB
fsr-3456	402	17	outcomes	outcome	NOUN
fsr-3456	402	18	would	would	AUX
fsr-3456	402	19	benefit	benefit	VERB
fsr-3456	402	20	many	many	ADJ
fsr-3456	402	21	,	,	PUNCT
fsr-3456	402	22	and	and	CCONJ
fsr-3456	402	23	these	these	DET
fsr-3456	402	24	factors	factor	NOUN
fsr-3456	402	25	are	be	AUX
fsr-3456	402	26	arguably	arguably	ADV
fsr-3456	402	27	more	more	ADV
fsr-3456	402	28	important	important	ADJ
fsr-3456	402	29	.	.	PUNCT
fsr-3456	403	1	the	the	DET
fsr-3456	403	2	findings	finding	NOUN
fsr-3456	403	3	of	of	ADP
fsr-3456	403	4	this	this	DET
fsr-3456	403	5	study	study	NOUN
fsr-3456	403	6	,	,	PUNCT
fsr-3456	403	7	while	while	SCONJ
fsr-3456	403	8	currently	currently	ADV
fsr-3456	403	9	limited	limit	VERB
fsr-3456	403	10	to	to	ADP
fsr-3456	403	11	one	one	NUM
fsr-3456	403	12	australian	australian	ADJ
fsr-3456	403	13	university	university	NOUN
fsr-3456	403	14	,	,	PUNCT
fsr-3456	403	15	provide	provide	VERB
fsr-3456	403	16	valuable	valuable	ADJ
fsr-3456	403	17	insights	insight	NOUN
fsr-3456	403	18	into	into	ADP
fsr-3456	403	19	the	the	DET
fsr-3456	403	20	financial	financial	ADJ
fsr-3456	403	21	wellbeing	wellbeing	NOUN
fsr-3456	403	22	of	of	ADP
fsr-3456	403	23	university	university	NOUN
fsr-3456	403	24	students	student	NOUN
fsr-3456	403	25	and	and	CCONJ
fsr-3456	403	26	can	can	AUX
fsr-3456	403	27	be	be	AUX
fsr-3456	403	28	used	use	VERB
fsr-3456	403	29	to	to	PART
fsr-3456	403	30	inform	inform	VERB
fsr-3456	403	31	future	future	ADJ
fsr-3456	403	32	actions	action	NOUN
fsr-3456	403	33	to	to	PART
fsr-3456	403	34	specifically	specifically	ADV
fsr-3456	403	35	improve	improve	VERB
fsr-3456	403	36	the	the	DET
fsr-3456	403	37	wellbeing	wellbeing	NOUN
fsr-3456	403	38	of	of	ADP
fsr-3456	403	39	university	university	NOUN
fsr-3456	403	40	students	student	NOUN
fsr-3456	403	41	.	.	PUNCT
fsr-3456	404	1	the	the	DET
fsr-3456	404	2	impact	impact	NOUN
fsr-3456	404	3	of	of	ADP
fsr-3456	404	4	income	income	NOUN
fsr-3456	404	5	on	on	ADP
fsr-3456	404	6	student	student	NOUN
fsr-3456	404	7	wellbeing	wellbeing	NOUN
fsr-3456	404	8	and	and	CCONJ
fsr-3456	404	9	student	student	NOUN
fsr-3456	404	10	welfare	welfare	NOUN
fsr-3456	404	11	is	be	AUX
fsr-3456	404	12	significant	significant	ADJ
fsr-3456	404	13	.	.	PUNCT
fsr-3456	405	1	not	not	PART
fsr-3456	405	2	only	only	ADV
fsr-3456	405	3	does	do	VERB
fsr-3456	405	4	an	an	DET
fsr-3456	405	5	increase	increase	NOUN
fsr-3456	405	6	in	in	ADP
fsr-3456	405	7	income	income	NOUN
fsr-3456	405	8	contribute	contribute	NOUN
fsr-3456	405	9	to	to	ADP
fsr-3456	405	10	student	student	NOUN
fsr-3456	405	11	wellbeing	wellbee	VERB
fsr-3456	405	12	financially	financially	ADV
fsr-3456	405	13	,	,	PUNCT
fsr-3456	405	14	but	but	CCONJ
fsr-3456	405	15	it	it	PRON
fsr-3456	405	16	may	may	AUX
fsr-3456	405	17	also	also	ADV
fsr-3456	405	18	assist	assist	VERB
fsr-3456	405	19	in	in	ADP
fsr-3456	405	20	improving	improve	VERB
fsr-3456	405	21	student	student	NOUN
fsr-3456	405	22	grades	grade	NOUN
fsr-3456	405	23	by	by	ADP
fsr-3456	405	24	minimizing	minimize	VERB
fsr-3456	405	25	stress	stress	NOUN
fsr-3456	405	26	for	for	ADP
fsr-3456	405	27	those	those	PRON
fsr-3456	405	28	at	at	ADP
fsr-3456	405	29	the	the	DET
fsr-3456	405	30	lower	low	ADJ
fsr-3456	405	31	end	end	NOUN
fsr-3456	405	32	of	of	ADP
fsr-3456	405	33	the	the	DET
fsr-3456	405	34	income	income	NOUN
fsr-3456	405	35	scale	scale	NOUN
fsr-3456	405	36	.	.	PUNCT
fsr-3456	406	1	while	while	SCONJ
fsr-3456	406	2	financial	financial	ADJ
fsr-3456	406	3	literacy	literacy	NOUN
fsr-3456	406	4	education	education	NOUN
fsr-3456	406	5	has	have	AUX
fsr-3456	406	6	traditionally	traditionally	ADV
fsr-3456	406	7	been	be	AUX
fsr-3456	406	8	the	the	DET
fsr-3456	406	9	response	response	NOUN
fsr-3456	406	10	to	to	ADP
fsr-3456	406	11	improving	improve	VERB
fsr-3456	406	12	university	university	NOUN
fsr-3456	406	13	students	student	NOUN
fsr-3456	406	14	’	'	PUNCT
fsr-3456	406	15	financial	financial	ADJ
fsr-3456	406	16	wellbeing	wellbeing	NOUN
fsr-3456	406	17	,	,	PUNCT
fsr-3456	406	18	this	this	DET
fsr-3456	406	19	study	study	NOUN
fsr-3456	406	20	has	have	AUX
fsr-3456	406	21	shown	show	VERB
fsr-3456	406	22	that	that	SCONJ
fsr-3456	406	23	for	for	ADP
fsr-3456	406	24	students	student	NOUN
fsr-3456	406	25	on	on	ADP
fsr-3456	406	26	lower	low	ADJ
fsr-3456	406	27	incomes	income	NOUN
fsr-3456	406	28	,	,	PUNCT
fsr-3456	406	29	this	this	PRON
fsr-3456	406	30	this	this	PRON
fsr-3456	406	31	alone	alone	ADV
fsr-3456	406	32	will	will	AUX
fsr-3456	406	33	not	not	PART
fsr-3456	406	34	improve	improve	VERB
fsr-3456	406	35	the	the	DET
fsr-3456	406	36	financial	financial	ADJ
fsr-3456	406	37	wellbeing	wellbeing	NOUN
fsr-3456	406	38	of	of	ADP
fsr-3456	406	39	students	student	NOUN
fsr-3456	406	40	.	.	PUNCT
fsr-3456	407	1	a	a	DET
fsr-3456	407	2	call	call	NOUN
fsr-3456	407	3	to	to	ADP
fsr-3456	407	4	action	action	NOUN
fsr-3456	407	5	t.	t.	PROPN
fsr-3456	407	6	west	west	PROPN
fsr-3456	407	7	et	et	PROPN
fsr-3456	407	8	al	al	PROPN
fsr-3456	407	9	.	.	PUNCT
fsr-3456	407	10	/	/	SYM
fsr-3456	407	11	financial	financial	ADJ
fsr-3456	407	12	services	service	NOUN
fsr-3456	407	13	review	review	VERB
fsr-3456	407	14	29	29	NUM
fsr-3456	407	15	(	(	PUNCT
fsr-3456	407	16	2021	2021	NUM
fsr-3456	407	17	)	)	PUNCT
fsr-3456	407	18	187–207	187–207	NUM
fsr-3456	407	19	203	203	NUM
fsr-3456	407	20	for	for	ADP
fsr-3456	407	21	more	more	ADJ
fsr-3456	407	22	novel	novel	ADJ
fsr-3456	407	23	approaches	approach	NOUN
fsr-3456	407	24	to	to	ADP
fsr-3456	407	25	financial	financial	ADJ
fsr-3456	407	26	wellbeing	wellbeing	NOUN
fsr-3456	407	27	from	from	ADP
fsr-3456	407	28	both	both	DET
fsr-3456	407	29	universities	university	NOUN
fsr-3456	407	30	and	and	CCONJ
fsr-3456	407	31	the	the	DET
fsr-3456	407	32	government	government	NOUN
fsr-3456	407	33	that	that	PRON
fsr-3456	407	34	address	address	VERB
fsr-3456	407	35	the	the	DET
fsr-3456	407	36	needs	need	NOUN
fsr-3456	407	37	of	of	ADP
fsr-3456	407	38	students	student	NOUN
fsr-3456	407	39	on	on	ADP
fsr-3456	407	40	significantly	significantly	ADV
fsr-3456	407	41	lower	low	ADJ
fsr-3456	407	42	levels	level	NOUN
fsr-3456	407	43	of	of	ADP
fsr-3456	407	44	income	income	NOUN
fsr-3456	407	45	is	be	AUX
fsr-3456	407	46	needed	need	VERB
fsr-3456	407	47	.	.	PUNCT
fsr-3456	408	1	this	this	PRON
fsr-3456	408	2	might	might	AUX
fsr-3456	408	3	include	include	VERB
fsr-3456	408	4	universities	university	NOUN
fsr-3456	408	5	providing	provide	VERB
fsr-3456	408	6	cheaper	cheap	ADJ
fsr-3456	408	7	accommodation	accommodation	NOUN
fsr-3456	408	8	and	and	CCONJ
fsr-3456	408	9	meals	meal	NOUN
fsr-3456	408	10	for	for	ADP
fsr-3456	408	11	lower	low	ADJ
fsr-3456	408	12	income	income	NOUN
fsr-3456	408	13	students	student	NOUN
fsr-3456	408	14	through	through	ADP
fsr-3456	408	15	subsidies	subsidy	NOUN
fsr-3456	408	16	or	or	CCONJ
fsr-3456	408	17	vouchers	voucher	NOUN
fsr-3456	408	18	or	or	CCONJ
fsr-3456	408	19	providing	provide	VERB
fsr-3456	408	20	more	more	ADJ
fsr-3456	408	21	jobs	job	NOUN
fsr-3456	408	22	to	to	ADP
fsr-3456	408	23	students	student	NOUN
fsr-3456	408	24	on	on	ADP
fsr-3456	408	25	campus	campus	NOUN
fsr-3456	408	26	.	.	PUNCT
fsr-3456	409	1	other	other	ADJ
fsr-3456	409	2	initiatives	initiative	NOUN
fsr-3456	409	3	such	such	ADJ
fsr-3456	409	4	as	as	ADP
fsr-3456	409	5	collaborating	collaborate	VERB
fsr-3456	409	6	with	with	ADP
fsr-3456	409	7	industry	industry	NOUN
fsr-3456	409	8	to	to	PART
fsr-3456	409	9	provide	provide	VERB
fsr-3456	409	10	more	more	ADJ
fsr-3456	409	11	cadetships	cadetship	NOUN
fsr-3456	409	12	,	,	PUNCT
fsr-3456	409	13	scholarships	scholarship	NOUN
fsr-3456	409	14	,	,	PUNCT
fsr-3456	409	15	and	and	CCONJ
fsr-3456	409	16	paid	pay	VERB
fsr-3456	409	17	internships	internship	NOUN
fsr-3456	409	18	to	to	ADP
fsr-3456	409	19	students	student	NOUN
fsr-3456	409	20	may	may	AUX
fsr-3456	409	21	also	also	ADV
fsr-3456	409	22	be	be	AUX
fsr-3456	409	23	beneficial	beneficial	ADJ
fsr-3456	409	24	.	.	PUNCT
fsr-3456	410	1	government	government	NOUN
fsr-3456	410	2	welfare	welfare	NOUN
fsr-3456	410	3	policies	policy	NOUN
fsr-3456	410	4	also	also	ADV
fsr-3456	410	5	need	need	VERB
fsr-3456	410	6	to	to	PART
fsr-3456	410	7	reconsider	reconsider	VERB
fsr-3456	410	8	the	the	DET
fsr-3456	410	9	way	way	NOUN
fsr-3456	410	10	that	that	PRON
fsr-3456	410	11	income	income	NOUN
fsr-3456	410	12	is	be	AUX
fsr-3456	410	13	distributed	distribute	VERB
fsr-3456	410	14	so	so	SCONJ
fsr-3456	410	15	that	that	SCONJ
fsr-3456	410	16	university	university	NOUN
fsr-3456	410	17	students	student	NOUN
fsr-3456	410	18	are	be	AUX
fsr-3456	410	19	not	not	PART
fsr-3456	410	20	penalized	penalize	VERB
fsr-3456	410	21	for	for	ADP
fsr-3456	410	22	furthering	further	VERB
fsr-3456	410	23	their	their	PRON
fsr-3456	410	24	education	education	NOUN
fsr-3456	410	25	.	.	PUNCT
fsr-3456	411	1	for	for	ADP
fsr-3456	411	2	example	example	NOUN
fsr-3456	411	3	,	,	PUNCT
fsr-3456	411	4	in	in	ADP
fsr-3456	411	5	australia	australia	PROPN
fsr-3456	411	6	,	,	PUNCT
fsr-3456	411	7	as	as	SCONJ
fsr-3456	411	8	it	it	PRON
fsr-3456	411	9	currently	currently	ADV
fsr-3456	411	10	stands	stand	VERB
fsr-3456	411	11	,	,	PUNCT
fsr-3456	411	12	a	a	DET
fsr-3456	411	13	young	young	ADJ
fsr-3456	411	14	university	university	NOUN
fsr-3456	411	15	student	student	NOUN
fsr-3456	411	16	’s	’s	PART
fsr-3456	411	17	access	access	NOUN
fsr-3456	411	18	to	to	ADP
fsr-3456	411	19	welfare	welfare	NOUN
fsr-3456	411	20	is	be	AUX
fsr-3456	411	21	directly	directly	ADV
fsr-3456	411	22	linked	link	VERB
fsr-3456	411	23	to	to	ADP
fsr-3456	411	24	parental	parental	ADJ
fsr-3456	411	25	income	income	NOUN
fsr-3456	411	26	,	,	PUNCT
fsr-3456	411	27	regardless	regardless	ADV
fsr-3456	411	28	of	of	ADP
fsr-3456	411	29	whether	whether	SCONJ
fsr-3456	411	30	they	they	PRON
fsr-3456	411	31	remain	remain	VERB
fsr-3456	411	32	in	in	ADP
fsr-3456	411	33	the	the	DET
fsr-3456	411	34	family	family	NOUN
fsr-3456	411	35	home	home	NOUN
fsr-3456	411	36	or	or	CCONJ
fsr-3456	411	37	need	need	VERB
fsr-3456	411	38	to	to	PART
fsr-3456	411	39	relocate	relocate	VERB
fsr-3456	411	40	to	to	PART
fsr-3456	411	41	attend	attend	VERB
fsr-3456	411	42	university	university	NOUN
fsr-3456	411	43	,	,	PUNCT
fsr-3456	411	44	or	or	CCONJ
fsr-3456	411	45	in	in	ADP
fsr-3456	411	46	fact	fact	NOUN
fsr-3456	411	47	whether	whether	SCONJ
fsr-3456	411	48	the	the	DET
fsr-3456	411	49	parent	parent	NOUN
fsr-3456	411	50	or	or	CCONJ
fsr-3456	411	51	parents	parent	NOUN
fsr-3456	411	52	are	be	AUX
fsr-3456	411	53	even	even	ADV
fsr-3456	411	54	providing	provide	VERB
fsr-3456	411	55	financial	financial	ADJ
fsr-3456	411	56	support	support	NOUN
fsr-3456	411	57	to	to	ADP
fsr-3456	411	58	the	the	DET
fsr-3456	411	59	student	student	NOUN
fsr-3456	411	60	.	.	PUNCT
fsr-3456	412	1	in	in	ADP
fsr-3456	412	2	comparison	comparison	NOUN
fsr-3456	412	3	,	,	PUNCT
fsr-3456	412	4	a	a	DET
fsr-3456	412	5	young	young	ADJ
fsr-3456	412	6	individual	individual	NOUN
fsr-3456	412	7	who	who	PRON
fsr-3456	412	8	has	have	AUX
fsr-3456	412	9	completed	complete	VERB
fsr-3456	412	10	school	school	NOUN
fsr-3456	412	11	but	but	CCONJ
fsr-3456	412	12	does	do	AUX
fsr-3456	412	13	not	not	PART
fsr-3456	412	14	attend	attend	VERB
fsr-3456	412	15	university	university	NOUN
fsr-3456	412	16	is	be	AUX
fsr-3456	412	17	entitled	entitle	VERB
fsr-3456	412	18	to	to	ADP
fsr-3456	412	19	higher	high	ADJ
fsr-3456	412	20	levels	level	NOUN
fsr-3456	412	21	of	of	ADP
fsr-3456	412	22	welfare	welfare	NOUN
fsr-3456	412	23	regardless	regardless	ADV
fsr-3456	412	24	of	of	ADP
fsr-3456	412	25	their	their	PRON
fsr-3456	412	26	parental	parental	ADJ
fsr-3456	412	27	income	income	NOUN
fsr-3456	412	28	or	or	CCONJ
fsr-3456	412	29	whether	whether	SCONJ
fsr-3456	412	30	they	they	PRON
fsr-3456	412	31	are	be	AUX
fsr-3456	412	32	living	live	VERB
fsr-3456	412	33	at	at	ADP
fsr-3456	412	34	home	home	NOUN
fsr-3456	412	35	or	or	CCONJ
fsr-3456	412	36	not	not	PART
fsr-3456	412	37	.	.	PUNCT
fsr-3456	413	1	innovative	innovative	ADJ
fsr-3456	413	2	reform	reform	NOUN
fsr-3456	413	3	might	might	AUX
fsr-3456	413	4	include	include	VERB
fsr-3456	413	5	the	the	DET
fsr-3456	413	6	provision	provision	NOUN
fsr-3456	413	7	of	of	ADP
fsr-3456	413	8	additional	additional	ADJ
fsr-3456	413	9	financial	financial	ADJ
fsr-3456	413	10	assistance	assistance	NOUN
fsr-3456	413	11	to	to	ADP
fsr-3456	413	12	low	low	ADJ
fsr-3456	413	13	income	income	NOUN
fsr-3456	413	14	university	university	NOUN
fsr-3456	413	15	students	student	NOUN
fsr-3456	413	16	that	that	PRON
fsr-3456	413	17	is	be	AUX
fsr-3456	413	18	offered	offer	VERB
fsr-3456	413	19	in	in	ADP
fsr-3456	413	20	conjunction	conjunction	NOUN
fsr-3456	413	21	with	with	ADP
fsr-3456	413	22	financial	financial	ADJ
fsr-3456	413	23	literacy	literacy	NOUN
fsr-3456	413	24	education	education	NOUN
fsr-3456	413	25	,	,	PUNCT
fsr-3456	413	26	or	or	CCONJ
fsr-3456	413	27	maybe	maybe	ADV
fsr-3456	413	28	tax	tax	NOUN
fsr-3456	413	29	incentives	incentive	NOUN
fsr-3456	413	30	could	could	AUX
fsr-3456	413	31	be	be	AUX
fsr-3456	413	32	introduced	introduce	VERB
fsr-3456	413	33	for	for	ADP
fsr-3456	413	34	parents	parent	NOUN
fsr-3456	413	35	and	and	CCONJ
fsr-3456	413	36	spouses	spouse	NOUN
fsr-3456	413	37	who	who	PRON
fsr-3456	413	38	provide	provide	VERB
fsr-3456	413	39	financial	financial	ADJ
fsr-3456	413	40	support	support	NOUN
fsr-3456	413	41	to	to	ADP
fsr-3456	413	42	dependents	dependent	NOUN
fsr-3456	413	43	as	as	SCONJ
fsr-3456	413	44	they	they	PRON
fsr-3456	413	45	attend	attend	VERB
fsr-3456	413	46	university	university	NOUN
fsr-3456	413	47	.	.	PUNCT
fsr-3456	414	1	further	further	ADJ
fsr-3456	414	2	research	research	NOUN
fsr-3456	414	3	is	be	AUX
fsr-3456	414	4	needed	need	VERB
fsr-3456	414	5	to	to	PART
fsr-3456	414	6	investigate	investigate	VERB
fsr-3456	414	7	the	the	DET
fsr-3456	414	8	feasibility	feasibility	NOUN
fsr-3456	414	9	of	of	ADP
fsr-3456	414	10	such	such	ADJ
fsr-3456	414	11	suggestions	suggestion	NOUN
fsr-3456	414	12	and	and	CCONJ
fsr-3456	414	13	extensions	extension	NOUN
fsr-3456	414	14	of	of	ADP
fsr-3456	414	15	this	this	DET
fsr-3456	414	16	study	study	NOUN
fsr-3456	414	17	at	at	ADP
fsr-3456	414	18	other	other	ADJ
fsr-3456	414	19	institutions	institution	NOUN
fsr-3456	414	20	,	,	PUNCT
fsr-3456	414	21	along	along	ADP
fsr-3456	414	22	with	with	ADP
fsr-3456	414	23	qualitative	qualitative	ADJ
fsr-3456	414	24	studies	study	NOUN
fsr-3456	414	25	would	would	AUX
fsr-3456	414	26	assist	assist	VERB
fsr-3456	414	27	in	in	ADP
fsr-3456	414	28	realizing	realize	VERB
fsr-3456	414	29	the	the	DET
fsr-3456	414	30	true	true	ADJ
fsr-3456	414	31	extent	extent	NOUN
fsr-3456	414	32	of	of	ADP
fsr-3456	414	33	the	the	DET
fsr-3456	414	34	impact	impact	NOUN
fsr-3456	414	35	of	of	ADP
fsr-3456	414	36	low	low	ADJ
fsr-3456	414	37	incomes	income	NOUN
fsr-3456	414	38	on	on	ADP
fsr-3456	414	39	financial	financial	ADJ
fsr-3456	414	40	wellbeing	wellbeing	NOUN
fsr-3456	414	41	of	of	ADP
fsr-3456	414	42	university	university	NOUN
fsr-3456	414	43	students	student	NOUN
fsr-3456	414	44	.	.	PUNCT
fsr-3456	415	1	acknowledgements	acknowledgement	NOUN
fsr-3456	415	2	this	this	DET
fsr-3456	415	3	project	project	NOUN
fsr-3456	415	4	was	be	AUX
fsr-3456	415	5	supported	support	VERB
fsr-3456	415	6	by	by	ADP
fsr-3456	415	7	a	a	DET
fsr-3456	415	8	griffith	griffith	PROPN
fsr-3456	415	9	business	business	NOUN
fsr-3456	415	10	school	school	NOUN
fsr-3456	415	11	new	new	ADJ
fsr-3456	415	12	researcher	researcher	NOUN
fsr-3456	415	13	grant	grant	NOUN
fsr-3456	415	14	.	.	PUNCT
fsr-3456	416	1	references	reference	NOUN
fsr-3456	416	2	anz	anz	PROPN
fsr-3456	416	3	.	.	PUNCT
fsr-3456	417	1	(	(	PUNCT
fsr-3456	417	2	2018	2018	NUM
fsr-3456	417	3	)	)	PUNCT
fsr-3456	417	4	.	.	PUNCT
fsr-3456	418	1	financial	financial	ADJ
fsr-3456	418	2	wellbeing	wellbee	VERB
fsr-3456	418	3	a	a	DET
fsr-3456	418	4	survey	survey	NOUN
fsr-3456	418	5	of	of	ADP
fsr-3456	418	6	adults	adult	NOUN
fsr-3456	418	7	in	in	ADP
fsr-3456	418	8	australia	australia	PROPN
fsr-3456	418	9	.	.	PUNCT
fsr-3456	419	1	available	available	ADJ
fsr-3456	419	2	at	at	ADP
fsr-3456	419	3	https://www.anz.com/resources/	https://www.anz.com/resources/	ADP
fsr-3456	419	4	2	2	NUM
fsr-3456	419	5	/	/	SYM
fsr-3456	419	6	f/2f348500	f/2f348500	PROPN
fsr-3456	419	7	-	-	PUNCT
fsr-3456	419	8	38a2	38a2	NUM
fsr-3456	419	9	-	-	PUNCT
fsr-3456	419	10	4cfe-8411	4cfe-8411	NOUN
fsr-3456	419	11	-	-	PUNCT
fsr-3456	419	12	060cb753573d	060cb753573d	ADJ
fsr-3456	419	13	/	/	SYM
fsr-3456	419	14	financial	financial	ADJ
fsr-3456	419	15	-	-	PUNCT
fsr-3456	419	16	wellbeing	wellbee	VERB
fsr-3456	419	17	-	-	PUNCT
fsr-3456	419	18	aus18.pdf?mod	aus18.pdf?mod	NOUN
fsr-3456	419	19	=	=	NOUN
fsr-3456	419	20	ajperes	ajpere	VERB
fsr-3456	419	21	artavanis	artavanis	NOUN
fsr-3456	419	22	,	,	PUNCT
fsr-3456	419	23	n.	n.	NOUN
fsr-3456	419	24	,	,	PUNCT
fsr-3456	419	25	&	&	CCONJ
fsr-3456	419	26	karra	karra	PROPN
fsr-3456	419	27	,	,	PUNCT
fsr-3456	419	28	s.	s.	PROPN
fsr-3456	419	29	(	(	PUNCT
fsr-3456	419	30	2020	2020	NUM
fsr-3456	419	31	)	)	PUNCT
fsr-3456	419	32	.	.	PUNCT
fsr-3456	420	1	financial	financial	ADJ
fsr-3456	420	2	literacy	literacy	NOUN
fsr-3456	420	3	and	and	CCONJ
fsr-3456	420	4	student	student	NOUN
fsr-3456	420	5	debt	debt	NOUN
fsr-3456	420	6	.	.	PUNCT
fsr-3456	421	1	the	the	DET
fsr-3456	421	2	european	european	PROPN
fsr-3456	421	3	journal	journal	PROPN
fsr-3456	421	4	of	of	ADP
fsr-3456	421	5	finance	finance	NOUN
fsr-3456	421	6	,	,	PUNCT
fsr-3456	421	7	26	26	NUM
fsr-3456	421	8	,	,	PUNCT
fsr-3456	421	9	382–401	382–401	NUM
fsr-3456	421	10	.	.	PUNCT
fsr-3456	422	1	asic	asic	NOUN
fsr-3456	422	2	.	.	PUNCT
fsr-3456	423	1	(	(	PUNCT
fsr-3456	423	2	2007	2007	NUM
fsr-3456	423	3	,	,	PUNCT
fsr-3456	423	4	february	february	PROPN
fsr-3456	423	5	16	16	NUM
fsr-3456	423	6	)	)	PUNCT
fsr-3456	423	7	.	.	PUNCT
fsr-3456	424	1	asic	asic	PROPN
fsr-3456	424	2	’s	’s	PART
fsr-3456	424	3	national	national	ADJ
fsr-3456	424	4	financial	financial	ADJ
fsr-3456	424	5	literacy	literacy	NOUN
fsr-3456	424	6	strategy	strategy	NOUN
fsr-3456	424	7	:	:	PUNCT
fsr-3456	424	8	a	a	DET
fsr-3456	424	9	speech	speech	NOUN
fsr-3456	424	10	by	by	ADP
fsr-3456	424	11	greg	greg	PROPN
fsr-3456	424	12	medcraft	medcraft	PROPN
fsr-3456	424	13	,	,	PUNCT
fsr-3456	424	14	chairman	chairman	NOUN
fsr-3456	424	15	,	,	PUNCT
fsr-3456	424	16	financial	financial	ADJ
fsr-3456	424	17	capability	capability	NOUN
fsr-3456	424	18	breakfast	breakfast	NOUN
fsr-3456	424	19	briefing	briefing	NOUN
fsr-3456	424	20	.	.	PUNCT
fsr-3456	425	1	parliament	parliament	PROPN
fsr-3456	425	2	house	house	PROPN
fsr-3456	425	3	,	,	PUNCT
fsr-3456	425	4	canberra	canberra	PROPN
fsr-3456	425	5	,	,	PUNCT
fsr-3456	425	6	australia	australia	PROPN
fsr-3456	425	7	.	.	PUNCT
fsr-3456	425	8	available	available	ADJ
fsr-3456	425	9	at	at	ADP
fsr-3456	425	10	https://	https://	PROPN
fsr-3456	425	11	download.asic.gov.au/media/4153965/greg-medcraft-speech-financial-capability-breakfast-16-february-2017	download.asic.gov.au/media/4153965/greg-medcraft-speech-financial-capability-breakfast-16-february-2017	NOUN
fsr-3456	425	12	.	.	PUNCT
fsr-3456	426	1	pdf	pdf	PROPN
fsr-3456	426	2	berman	berman	PROPN
fsr-3456	426	3	,	,	PUNCT
fsr-3456	426	4	j.	j.	PROPN
fsr-3456	426	5	z.	z.	PROPN
fsr-3456	426	6	,	,	PUNCT
fsr-3456	426	7	tran	tran	PROPN
fsr-3456	426	8	,	,	PUNCT
fsr-3456	426	9	a.	a.	NOUN
fsr-3456	426	10	t.	t.	PROPN
fsr-3456	426	11	k.	k.	PROPN
fsr-3456	426	12	,	,	PUNCT
fsr-3456	426	13	lynch	lynch	PROPN
fsr-3456	426	14	,	,	PUNCT
fsr-3456	426	15	j.	j.	PROPN
fsr-3456	426	16	g.	g.	PROPN
fsr-3456	426	17	,	,	PUNCT
fsr-3456	426	18	&	&	CCONJ
fsr-3456	426	19	zauberman	zauberman	PROPN
fsr-3456	426	20	,	,	PUNCT
fsr-3456	426	21	g.	g.	PROPN
fsr-3456	426	22	(	(	PUNCT
fsr-3456	426	23	2016	2016	NUM
fsr-3456	426	24	)	)	PUNCT
fsr-3456	426	25	.	.	PUNCT
fsr-3456	427	1	expense	expense	NOUN
fsr-3456	427	2	neglect	neglect	NOUN
fsr-3456	427	3	in	in	ADP
fsr-3456	427	4	forecasting	forecast	VERB
fsr-3456	427	5	personal	personal	ADJ
fsr-3456	427	6	finances	finance	NOUN
fsr-3456	427	7	.	.	PUNCT
fsr-3456	428	1	journal	journal	NOUN
fsr-3456	428	2	of	of	ADP
fsr-3456	428	3	marketing	marketing	NOUN
fsr-3456	428	4	research	research	NOUN
fsr-3456	428	5	,	,	PUNCT
fsr-3456	428	6	53	53	NUM
fsr-3456	428	7	,	,	PUNCT
fsr-3456	428	8	535–550	535–550	NUM
fsr-3456	428	9	.	.	PUNCT
fsr-3456	429	1	bester	bester	PROPN
fsr-3456	429	2	,	,	PUNCT
fsr-3456	429	3	h.	h.	PROPN
fsr-3456	429	4	,	,	PUNCT
fsr-3456	429	5	chamberlain	chamberlain	PROPN
fsr-3456	429	6	,	,	PUNCT
fsr-3456	429	7	d.	d.	PROPN
fsr-3456	429	8	,	,	PUNCT
fsr-3456	429	9	de	de	PROPN
fsr-3456	429	10	koker	koker	PROPN
fsr-3456	429	11	,	,	PUNCT
fsr-3456	429	12	l.	l.	PROPN
fsr-3456	429	13	,	,	PUNCT
fsr-3456	429	14	hougaard	hougaard	PROPN
fsr-3456	429	15	,	,	PUNCT
fsr-3456	429	16	c.	c.	NOUN
fsr-3456	429	17	,	,	PUNCT
fsr-3456	429	18	short	short	ADJ
fsr-3456	429	19	,	,	PUNCT
fsr-3456	429	20	r.	r.	PROPN
fsr-3456	429	21	,	,	PUNCT
fsr-3456	429	22	smith	smith	PROPN
fsr-3456	429	23	,	,	PUNCT
fsr-3456	429	24	a.	a.	PROPN
fsr-3456	429	25	,	,	PUNCT
fsr-3456	429	26	&	&	CCONJ
fsr-3456	429	27	walker	walker	PROPN
fsr-3456	429	28	,	,	PUNCT
fsr-3456	429	29	r.	r.	PROPN
fsr-3456	429	30	(	(	PUNCT
fsr-3456	429	31	2008	2008	NUM
fsr-3456	429	32	)	)	PUNCT
fsr-3456	429	33	.	.	PUNCT
fsr-3456	430	1	implementing	implement	VERB
fsr-3456	430	2	fatf	fatf	NOUN
fsr-3456	430	3	standards	standard	NOUN
fsr-3456	430	4	in	in	ADP
fsr-3456	430	5	developing	develop	VERB
fsr-3456	430	6	countries	country	NOUN
fsr-3456	430	7	and	and	CCONJ
fsr-3456	430	8	financial	financial	ADJ
fsr-3456	430	9	inclusion	inclusion	NOUN
fsr-3456	430	10	:	:	PUNCT
fsr-3456	430	11	findings	finding	NOUN
fsr-3456	430	12	and	and	CCONJ
fsr-3456	430	13	guidelines	guideline	NOUN
fsr-3456	430	14	.	.	PUNCT
fsr-3456	431	1	first	first	ADJ
fsr-3456	431	2	initiative	initiative	NOUN
fsr-3456	431	3	(	(	PUNCT
fsr-3456	431	4	world	world	PROPN
fsr-3456	431	5	bank	bank	PROPN
fsr-3456	431	6	)	)	PUNCT
fsr-3456	431	7	.	.	PUNCT
fsr-3456	432	1	avaialble	avaialble	ADJ
fsr-3456	432	2	at	at	ADP
fsr-3456	432	3	http://www.finmark.org.za/wp-content/uploads/2016/01/rep	http://www.finmark.org.za/wp-content/uploads/2016/01/rep	PROPN
fsr-3456	432	4	_	_	ADP
fsr-3456	432	5	implementingfatfstandards_2008.pdf	implementingfatfstandards_2008.pdf	NOUN
fsr-3456	432	6	bongini	bongini	NOUN
fsr-3456	432	7	,	,	PUNCT
fsr-3456	432	8	p.	p.	NOUN
fsr-3456	432	9	,	,	PUNCT
fsr-3456	432	10	&	&	CCONJ
fsr-3456	432	11	cucinelli	cucinelli	PROPN
fsr-3456	432	12	,	,	PUNCT
fsr-3456	432	13	d.	d.	PROPN
fsr-3456	432	14	(	(	PUNCT
fsr-3456	432	15	2019	2019	NUM
fsr-3456	432	16	)	)	PUNCT
fsr-3456	432	17	.	.	PUNCT
fsr-3456	433	1	university	university	NOUN
fsr-3456	433	2	students	student	NOUN
fsr-3456	433	3	and	and	CCONJ
fsr-3456	433	4	retirement	retirement	NOUN
fsr-3456	433	5	planning	planning	NOUN
fsr-3456	433	6	:	:	PUNCT
fsr-3456	433	7	never	never	ADV
fsr-3456	433	8	too	too	ADV
fsr-3456	433	9	early	early	ADJ
fsr-3456	433	10	.	.	PUNCT
fsr-3456	434	1	international	international	ADJ
fsr-3456	434	2	journal	journal	PROPN
fsr-3456	434	3	of	of	ADP
fsr-3456	434	4	bank	bank	PROPN
fsr-3456	434	5	marketing	marketing	NOUN
fsr-3456	434	6	,	,	PUNCT
fsr-3456	434	7	37	37	NUM
fsr-3456	434	8	,	,	PUNCT
fsr-3456	434	9	775–797	775–797	NUM
fsr-3456	434	10	.	.	PUNCT
fsr-3456	435	1	cameron	cameron	PROPN
fsr-3456	435	2	,	,	PUNCT
fsr-3456	435	3	a.	a.	PROPN
fsr-3456	435	4	c.	c.	PROPN
fsr-3456	435	5	,	,	PUNCT
fsr-3456	435	6	&	&	CCONJ
fsr-3456	435	7	trivedi	trivedi	PROPN
fsr-3456	435	8	,	,	PUNCT
fsr-3456	435	9	p.	p.	PROPN
fsr-3456	435	10	k.	k.	PROPN
fsr-3456	435	11	(	(	PUNCT
fsr-3456	435	12	2009	2009	NUM
fsr-3456	435	13	)	)	PUNCT
fsr-3456	435	14	.	.	PUNCT
fsr-3456	436	1	microeconometrics	microeconometric	NOUN
fsr-3456	436	2	:	:	PUNCT
fsr-3456	436	3	methods	method	NOUN
fsr-3456	436	4	and	and	CCONJ
fsr-3456	436	5	applications	application	NOUN
fsr-3456	436	6	.	.	PUNCT
fsr-3456	437	1	melbourne	melbourne	PROPN
fsr-3456	437	2	:	:	PUNCT
fsr-3456	437	3	cambridge	cambridge	PROPN
fsr-3456	437	4	university	university	PROPN
fsr-3456	437	5	press	press	NOUN
fsr-3456	437	6	.	.	PUNCT
fsr-3456	438	1	204	204	NUM
fsr-3456	438	2	t.	t.	PROPN
fsr-3456	438	3	west	west	PROPN
fsr-3456	438	4	et	et	PROPN
fsr-3456	438	5	al	al	PROPN
fsr-3456	438	6	.	.	PUNCT
fsr-3456	438	7	/	/	SYM
fsr-3456	438	8	financial	financial	ADJ
fsr-3456	438	9	services	service	NOUN
fsr-3456	438	10	review	review	VERB
fsr-3456	438	11	29	29	NUM
fsr-3456	438	12	(	(	PUNCT
fsr-3456	438	13	2021	2021	NUM
fsr-3456	438	14	)	)	PUNCT
fsr-3456	439	1	187–207	187–207	NUM
fsr-3456	439	2	cfpb	cfpb	NOUN
fsr-3456	439	3	.	.	PUNCT
fsr-3456	440	1	(	(	PUNCT
fsr-3456	440	2	2015	2015	NUM
fsr-3456	440	3	)	)	PUNCT
fsr-3456	440	4	.	.	PUNCT
fsr-3456	441	1	financial	financial	ADJ
fsr-3456	441	2	well	well	ADV
fsr-3456	441	3	-	-	PUNCT
fsr-3456	441	4	being	being	NOUN
fsr-3456	441	5	in	in	ADP
fsr-3456	441	6	america	america	PROPN
fsr-3456	441	7	,	,	PUNCT
fsr-3456	441	8	consumer	consumer	NOUN
fsr-3456	441	9	financial	financial	PROPN
fsr-3456	441	10	protection	protection	PROPN
fsr-3456	441	11	bureau	bureau	PROPN
fsr-3456	441	12	.	.	PUNCT
fsr-3456	442	1	available	available	ADJ
fsr-3456	442	2	at	at	ADP
fsr-3456	442	3	https://	https://	PROPN
fsr-3456	442	4	www.consumerfinance.gov/data-research/research-reports/financial-well-being-america/	www.consumerfinance.gov/data-research/research-reports/financial-well-being-america/	VERB
fsr-3456	442	5	chen	chen	PROPN
fsr-3456	442	6	,	,	PUNCT
fsr-3456	442	7	h.	h.	PROPN
fsr-3456	442	8	,	,	PUNCT
fsr-3456	442	9	&	&	CCONJ
fsr-3456	442	10	volpe	volpe	PROPN
fsr-3456	442	11	,	,	PUNCT
fsr-3456	442	12	r.	r.	PROPN
fsr-3456	442	13	p.	p.	PROPN
fsr-3456	442	14	(	(	PUNCT
fsr-3456	442	15	1998	1998	NUM
fsr-3456	442	16	)	)	PUNCT
fsr-3456	442	17	.	.	PUNCT
fsr-3456	443	1	an	an	DET
fsr-3456	443	2	analysis	analysis	NOUN
fsr-3456	443	3	of	of	ADP
fsr-3456	443	4	personal	personal	ADJ
fsr-3456	443	5	financial	financial	ADJ
fsr-3456	443	6	literacy	literacy	NOUN
fsr-3456	443	7	among	among	ADP
fsr-3456	443	8	college	college	NOUN
fsr-3456	443	9	students	student	NOUN
fsr-3456	443	10	.	.	PUNCT
fsr-3456	444	1	financial	financial	ADJ
fsr-3456	444	2	services	service	NOUN
fsr-3456	444	3	review	review	PROPN
fsr-3456	444	4	,	,	PUNCT
fsr-3456	444	5	7	7	NUM
fsr-3456	444	6	,	,	PUNCT
fsr-3456	444	7	107–128	107–128	NUM
fsr-3456	444	8	.	.	PUNCT
fsr-3456	445	1	collins	collins	PROPN
fsr-3456	445	2	,	,	PUNCT
fsr-3456	445	3	j.	j.	PROPN
fsr-3456	445	4	m.	m.	PROPN
fsr-3456	445	5	,	,	PUNCT
fsr-3456	445	6	&	&	CCONJ
fsr-3456	445	7	urban	urban	PROPN
fsr-3456	445	8	,	,	PUNCT
fsr-3456	445	9	c.	c.	PROPN
fsr-3456	445	10	(	(	PUNCT
fsr-3456	445	11	2020	2020	NUM
fsr-3456	445	12	)	)	PUNCT
fsr-3456	445	13	.	.	PUNCT
fsr-3456	446	1	measuring	measure	VERB
fsr-3456	446	2	financial	financial	ADJ
fsr-3456	446	3	wellbeing	wellbeing	NOUN
fsr-3456	446	4	over	over	ADP
fsr-3456	446	5	the	the	DET
fsr-3456	446	6	lifecourse	lifecourse	NOUN
fsr-3456	446	7	.	.	PUNCT
fsr-3456	447	1	the	the	DET
fsr-3456	447	2	european	european	PROPN
fsr-3456	447	3	journal	journal	PROPN
fsr-3456	447	4	of	of	ADP
fsr-3456	447	5	finance	finance	NOUN
fsr-3456	447	6	,	,	PUNCT
fsr-3456	447	7	26	26	NUM
fsr-3456	447	8	,	,	PUNCT
fsr-3456	447	9	341–359	341–359	NUM
fsr-3456	447	10	.	.	PUNCT
fsr-3456	448	1	cull	cull	PROPN
fsr-3456	448	2	,	,	PUNCT
fsr-3456	448	3	m.	m.	NOUN
fsr-3456	448	4	,	,	PUNCT
fsr-3456	448	5	&	&	CCONJ
fsr-3456	448	6	whitton	whitton	PROPN
fsr-3456	448	7	,	,	PUNCT
fsr-3456	448	8	d.	d.	PROPN
fsr-3456	448	9	(	(	PUNCT
fsr-3456	448	10	2011	2011	NUM
fsr-3456	448	11	)	)	PUNCT
fsr-3456	448	12	.	.	PUNCT
fsr-3456	449	1	university	university	NOUN
fsr-3456	449	2	students	student	NOUN
fsr-3456	449	3	’	'	PUNCT
fsr-3456	449	4	financial	financial	ADJ
fsr-3456	449	5	literacy	literacy	NOUN
fsr-3456	449	6	levels	level	NOUN
fsr-3456	449	7	:	:	PUNCT
fsr-3456	449	8	obstacles	obstacle	NOUN
fsr-3456	449	9	and	and	CCONJ
fsr-3456	449	10	aids	aid	NOUN
fsr-3456	449	11	.	.	PUNCT
fsr-3456	450	1	the	the	DET
fsr-3456	450	2	economic	economic	ADJ
fsr-3456	450	3	and	and	CCONJ
fsr-3456	450	4	labour	labour	PROPN
fsr-3456	450	5	relations	relation	NOUN
fsr-3456	450	6	review	review	NOUN
fsr-3456	450	7	,	,	PUNCT
fsr-3456	450	8	22	22	NUM
fsr-3456	450	9	,	,	PUNCT
fsr-3456	450	10	99–114	99–114	NUM
fsr-3456	450	11	.	.	PUNCT
fsr-3456	451	1	dean	dean	PROPN
fsr-3456	451	2	,	,	PUNCT
fsr-3456	451	3	k.	k.	PROPN
fsr-3456	451	4	l.	l.	PROPN
fsr-3456	451	5	,	,	PUNCT
fsr-3456	451	6	&	&	CCONJ
fsr-3456	451	7	forray	forray	PROPN
fsr-3456	451	8	,	,	PUNCT
fsr-3456	451	9	j.	j.	PROPN
fsr-3456	451	10	m.	m.	PROPN
fsr-3456	451	11	(	(	PUNCT
fsr-3456	451	12	2018	2018	NUM
fsr-3456	451	13	)	)	PUNCT
fsr-3456	451	14	.	.	PUNCT
fsr-3456	452	1	buying	buy	VERB
fsr-3456	452	2	or	or	CCONJ
fsr-3456	452	3	renting	rent	VERB
fsr-3456	452	4	?	?	PUNCT
fsr-3456	453	1	how	how	SCONJ
fsr-3456	453	2	students	student	NOUN
fsr-3456	453	3	are	be	AUX
fsr-3456	453	4	’	'	PUNCT
fsr-3456	453	5	acquiring	acquire	VERB
fsr-3456	453	6	’	'	PUNCT
fsr-3456	453	7	knowledge	knowledge	NOUN
fsr-3456	453	8	about	about	ADP
fsr-3456	453	9	management	management	NOUN
fsr-3456	453	10	.	.	PUNCT
fsr-3456	454	1	journal	journal	PROPN
fsr-3456	454	2	of	of	ADP
fsr-3456	454	3	management	management	NOUN
fsr-3456	454	4	education	education	NOUN
fsr-3456	454	5	,	,	PUNCT
fsr-3456	454	6	42	42	NUM
fsr-3456	454	7	,	,	PUNCT
fsr-3456	454	8	163–167	163–167	NUM
fsr-3456	454	9	.	.	PUNCT
fsr-3456	455	1	dutta	dutta	PROPN
fsr-3456	455	2	,	,	PUNCT
fsr-3456	455	3	s.	s.	PROPN
fsr-3456	455	4	,	,	PUNCT
fsr-3456	455	5	singh	singh	PROPN
fsr-3456	455	6	,	,	PUNCT
fsr-3456	455	7	h.	h.	PROPN
fsr-3456	455	8	,	,	PUNCT
fsr-3456	455	9	&	&	CCONJ
fsr-3456	455	10	sultana	sultana	NOUN
fsr-3456	455	11	,	,	PUNCT
fsr-3456	455	12	n.	n.	NOUN
fsr-3456	455	13	(	(	PUNCT
fsr-3456	455	14	2019	2019	NUM
fsr-3456	455	15	,	,	PUNCT
fsr-3456	455	16	february	february	PROPN
fsr-3456	455	17	14	14	NUM
fsr-3456	455	18	)	)	PUNCT
fsr-3456	455	19	.	.	PUNCT
fsr-3456	456	1	how	how	SCONJ
fsr-3456	456	2	zip	zip	NOUN
fsr-3456	456	3	pay	pay	NOUN
fsr-3456	456	4	works	work	NOUN
fsr-3456	456	5	,	,	PUNCT
fsr-3456	456	6	and	and	CCONJ
fsr-3456	456	7	why	why	SCONJ
fsr-3456	456	8	the	the	DET
fsr-3456	456	9	extra	extra	ADJ
fsr-3456	456	10	cost	cost	NOUN
fsr-3456	456	11	of	of	ADP
fsr-3456	456	12	‘	'	PUNCT
fsr-3456	456	13	buy	buy	VERB
fsr-3456	456	14	now	now	ADV
fsr-3456	456	15	,	,	PUNCT
fsr-3456	456	16	pay	pay	VERB
fsr-3456	456	17	later	later	ADV
fsr-3456	456	18	’	'	PUNCT
fsr-3456	456	19	is	be	AUX
fsr-3456	456	20	still	still	ADV
fsr-3456	456	21	enticing	entice	VERB
fsr-3456	456	22	.	.	PUNCT
fsr-3456	457	1	the	the	DET
fsr-3456	457	2	conversation	conversation	NOUN
fsr-3456	457	3	.	.	PUNCT
fsr-3456	458	1	available	available	ADJ
fsr-3456	458	2	at	at	ADP
fsr-3456	458	3	https://theconversation.com/how-zip-payworks-and-why-the-extra-cost-of-buy-now-pay-later-is-still-enticing-110429	https://theconversation.com/how-zip-payworks-and-why-the-extra-cost-of-buy-now-pay-later-is-still-enticing-110429	PROPN
fsr-3456	458	4	farrell	farrell	PROPN
fsr-3456	458	5	,	,	PUNCT
fsr-3456	458	6	d.	d.	PROPN
fsr-3456	458	7	,	,	PUNCT
fsr-3456	458	8	&	&	CCONJ
fsr-3456	458	9	greig	greig	PROPN
fsr-3456	458	10	,	,	PUNCT
fsr-3456	458	11	f.	f.	PROPN
fsr-3456	458	12	(	(	PUNCT
fsr-3456	458	13	2016	2016	NUM
fsr-3456	458	14	)	)	PUNCT
fsr-3456	458	15	.	.	PUNCT
fsr-3456	459	1	paychecks	paycheck	NOUN
fsr-3456	459	2	,	,	PUNCT
fsr-3456	459	3	paydays	payday	NOUN
fsr-3456	459	4	,	,	PUNCT
fsr-3456	459	5	and	and	CCONJ
fsr-3456	459	6	the	the	DET
fsr-3456	459	7	online	online	ADJ
fsr-3456	459	8	platform	platform	NOUN
fsr-3456	459	9	economy	economy	NOUN
fsr-3456	459	10	:	:	PUNCT
fsr-3456	459	11	big	big	ADJ
fsr-3456	459	12	data	datum	NOUN
fsr-3456	459	13	on	on	ADP
fsr-3456	459	14	income	income	NOUN
fsr-3456	459	15	volatility	volatility	NOUN
fsr-3456	459	16	.	.	PUNCT
fsr-3456	460	1	in	in	ADP
fsr-3456	460	2	proceedings	proceeding	NOUN
fsr-3456	460	3	annual	annual	ADJ
fsr-3456	460	4	conference	conference	NOUN
fsr-3456	460	5	on	on	ADP
fsr-3456	460	6	taxation	taxation	NOUN
fsr-3456	460	7	and	and	CCONJ
fsr-3456	460	8	minutes	minute	NOUN
fsr-3456	460	9	of	of	ADP
fsr-3456	460	10	the	the	DET
fsr-3456	460	11	annual	annual	ADJ
fsr-3456	460	12	meeting	meeting	NOUN
fsr-3456	460	13	of	of	ADP
fsr-3456	460	14	the	the	DET
fsr-3456	460	15	national	national	PROPN
fsr-3456	460	16	tax	tax	PROPN
fsr-3456	460	17	association	association	PROPN
fsr-3456	460	18	(	(	PUNCT
fsr-3456	460	19	pp	pp	PROPN
fsr-3456	460	20	.	.	PUNCT
fsr-3456	461	1	1–40	1–40	NUM
fsr-3456	461	2	)	)	PUNCT
fsr-3456	461	3	.	.	PUNCT
fsr-3456	462	1	national	national	PROPN
fsr-3456	462	2	tax	tax	PROPN
fsr-3456	462	3	association	association	PROPN
fsr-3456	462	4	.	.	PUNCT
fsr-3456	463	1	available	available	ADJ
fsr-3456	463	2	at	at	ADP
fsr-3456	463	3	https://www.jstor.org/stable/e26816497	https://www.jstor.org/stable/e26816497	PROPN
fsr-3456	463	4	fear	fear	NOUN
fsr-3456	463	5	,	,	PUNCT
fsr-3456	463	6	j.	j.	PROPN
fsr-3456	463	7	,	,	PUNCT
fsr-3456	463	8	&	&	CCONJ
fsr-3456	463	9	o’brien	o’brien	PROPN
fsr-3456	463	10	,	,	PUNCT
fsr-3456	463	11	j.	j.	PROPN
fsr-3456	463	12	(	(	PUNCT
fsr-3456	463	13	2009	2009	NUM
fsr-3456	463	14	)	)	PUNCT
fsr-3456	463	15	.	.	PUNCT
fsr-3456	464	1	where	where	SCONJ
fsr-3456	464	2	does	do	AUX
fsr-3456	464	3	the	the	DET
fsr-3456	464	4	buck	buck	NOUN
fsr-3456	464	5	stop	stop	VERB
fsr-3456	464	6	?	?	PUNCT
fsr-3456	465	1	community	community	NOUN
fsr-3456	465	2	attitudes	attitude	NOUN
fsr-3456	465	3	to	to	ADP
fsr-3456	465	4	over	over	ADP
fsr-3456	465	5	-	-	PUNCT
fsr-3456	465	6	lending	lending	NOUN
fsr-3456	465	7	and	and	CCONJ
fsr-3456	465	8	over	over	ADP
fsr-3456	465	9	-	-	PUNCT
fsr-3456	465	10	spending	spending	NOUN
fsr-3456	465	11	.	.	PUNCT
fsr-3456	466	1	australasian	australasian	ADJ
fsr-3456	466	2	accounting	accounting	NOUN
fsr-3456	466	3	,	,	PUNCT
fsr-3456	466	4	business	business	NOUN
fsr-3456	466	5	and	and	CCONJ
fsr-3456	466	6	finance	finance	NOUN
fsr-3456	466	7	journal	journal	NOUN
fsr-3456	466	8	,	,	PUNCT
fsr-3456	466	9	3	3	NUM
fsr-3456	466	10	,	,	PUNCT
fsr-3456	466	11	5–12	5–12	PROPN
fsr-3456	466	12	.	.	PUNCT
fsr-3456	467	1	available	available	ADJ
fsr-3456	467	2	at	at	ADP
fsr-3456	467	3	https://ro.uow.edu.au/aabfj/vol3/iss1/2/	https://ro.uow.edu.au/aabfj/vol3/iss1/2/	PROPN
fsr-3456	467	4	fernandes	fernandes	PROPN
fsr-3456	467	5	,	,	PUNCT
fsr-3456	467	6	d.	d.	PROPN
fsr-3456	467	7	,	,	PUNCT
fsr-3456	467	8	lynch	lynch	PROPN
fsr-3456	467	9	,	,	PUNCT
fsr-3456	467	10	j.	j.	PROPN
fsr-3456	467	11	g.	g.	PROPN
fsr-3456	467	12	,	,	PUNCT
fsr-3456	467	13	jr	jr	PROPN
fsr-3456	467	14	.	.	PROPN
fsr-3456	467	15	,	,	PUNCT
fsr-3456	467	16	,	,	PUNCT
fsr-3456	467	17	&	&	CCONJ
fsr-3456	467	18	netemeyer	netemeyer	PROPN
fsr-3456	467	19	,	,	PUNCT
fsr-3456	467	20	r.	r.	PROPN
fsr-3456	467	21	g.	g.	PROPN
fsr-3456	467	22	(	(	PUNCT
fsr-3456	467	23	2014	2014	NUM
fsr-3456	467	24	)	)	PUNCT
fsr-3456	467	25	.	.	PUNCT
fsr-3456	468	1	financial	financial	ADJ
fsr-3456	468	2	literacy	literacy	NOUN
fsr-3456	468	3	,	,	PUNCT
fsr-3456	468	4	financial	financial	ADJ
fsr-3456	468	5	education	education	NOUN
fsr-3456	468	6	,	,	PUNCT
fsr-3456	468	7	and	and	CCONJ
fsr-3456	468	8	downstream	downstream	ADJ
fsr-3456	468	9	financial	financial	ADJ
fsr-3456	468	10	behaviors.management	behaviors.management	NOUN
fsr-3456	468	11	science	science	NOUN
fsr-3456	468	12	,	,	PUNCT
fsr-3456	468	13	60	60	NUM
fsr-3456	468	14	,	,	PUNCT
fsr-3456	468	15	1861–1883	1861–1883	NUM
fsr-3456	468	16	.	.	PUNCT
fsr-3456	469	1	finke	finke	PROPN
fsr-3456	469	2	,	,	PUNCT
fsr-3456	469	3	m.	m.	NOUN
fsr-3456	469	4	s.	s.	PROPN
fsr-3456	469	5	,	,	PUNCT
fsr-3456	469	6	howe	howe	PROPN
fsr-3456	469	7	,	,	PUNCT
fsr-3456	469	8	j.	j.	PROPN
fsr-3456	469	9	s.	s.	PROPN
fsr-3456	469	10	,	,	PUNCT
fsr-3456	469	11	&	&	CCONJ
fsr-3456	469	12	huston	huston	PROPN
fsr-3456	469	13	,	,	PUNCT
fsr-3456	469	14	s.	s.	PROPN
fsr-3456	469	15	j.	j.	PROPN
fsr-3456	469	16	(	(	PUNCT
fsr-3456	469	17	2017	2017	NUM
fsr-3456	469	18	)	)	PUNCT
fsr-3456	469	19	.	.	PUNCT
fsr-3456	470	1	old	old	ADJ
fsr-3456	470	2	age	age	NOUN
fsr-3456	470	3	and	and	CCONJ
fsr-3456	470	4	the	the	DET
fsr-3456	470	5	decline	decline	NOUN
fsr-3456	470	6	in	in	ADP
fsr-3456	470	7	financial	financial	ADJ
fsr-3456	470	8	literacy	literacy	NOUN
fsr-3456	470	9	.	.	PUNCT
fsr-3456	471	1	management	management	NOUN
fsr-3456	471	2	science	science	NOUN
fsr-3456	471	3	,	,	PUNCT
fsr-3456	471	4	63	63	NUM
fsr-3456	471	5	,	,	PUNCT
fsr-3456	471	6	213–230	213–230	NUM
fsr-3456	471	7	.	.	PUNCT
fsr-3456	472	1	georgarakos	georgarakos	PROPN
fsr-3456	472	2	,	,	PUNCT
fsr-3456	472	3	d.	d.	PROPN
fsr-3456	472	4	,	,	PUNCT
fsr-3456	472	5	haliassos	haliassos	NOUN
fsr-3456	472	6	,	,	PUNCT
fsr-3456	472	7	m.	m.	NOUN
fsr-3456	472	8	,	,	PUNCT
fsr-3456	472	9	&	&	CCONJ
fsr-3456	472	10	pasini	pasini	PROPN
fsr-3456	472	11	,	,	PUNCT
fsr-3456	472	12	c.	c.	PROPN
fsr-3456	472	13	(	(	PUNCT
fsr-3456	472	14	2014	2014	NUM
fsr-3456	472	15	)	)	PUNCT
fsr-3456	472	16	.	.	PUNCT
fsr-3456	473	1	household	household	NOUN
fsr-3456	473	2	debt	debt	NOUN
fsr-3456	473	3	and	and	CCONJ
fsr-3456	473	4	social	social	ADJ
fsr-3456	473	5	interactions	interaction	NOUN
fsr-3456	473	6	.	.	PUNCT
fsr-3456	474	1	review	review	NOUN
fsr-3456	474	2	of	of	ADP
fsr-3456	474	3	financial	financial	ADJ
fsr-3456	474	4	studies	study	NOUN
fsr-3456	474	5	,	,	PUNCT
fsr-3456	474	6	27	27	NUM
fsr-3456	474	7	,	,	PUNCT
fsr-3456	474	8	1404–1433	1404–1433	NUM
fsr-3456	474	9	.	.	PUNCT
fsr-3456	475	1	https://doi.org/10.1093/rfs/hhu014	https://doi.org/10.1093/rfs/hhu014	PROPN
fsr-3456	475	2	ha	ha	INTJ
fsr-3456	475	3	,	,	PUNCT
fsr-3456	475	4	h.	h.	PROPN
fsr-3456	475	5	(	(	PUNCT
fsr-3456	475	6	2013	2013	NUM
fsr-3456	475	7	)	)	PUNCT
fsr-3456	475	8	.	.	PUNCT
fsr-3456	476	1	credit	credit	NOUN
fsr-3456	476	2	card	card	NOUN
fsr-3456	476	3	use	use	NOUN
fsr-3456	476	4	and	and	CCONJ
fsr-3456	476	5	debt	debt	NOUN
fsr-3456	476	6	by	by	ADP
fsr-3456	476	7	female	female	ADJ
fsr-3456	476	8	students	student	NOUN
fsr-3456	476	9	:	:	PUNCT
fsr-3456	476	10	a	a	DET
fsr-3456	476	11	case	case	NOUN
fsr-3456	476	12	study	study	NOUN
fsr-3456	476	13	in	in	ADP
fsr-3456	476	14	melbourne	melbourne	PROPN
fsr-3456	476	15	.	.	PUNCT
fsr-3456	477	1	australia	australia	PROPN
fsr-3456	477	2	,	,	PUNCT
fsr-3456	477	3	youth	youth	NOUN
fsr-3456	477	4	studies	study	NOUN
fsr-3456	477	5	australia	australia	PROPN
fsr-3456	477	6	,	,	PUNCT
fsr-3456	477	7	32	32	NUM
fsr-3456	477	8	,	,	PUNCT
fsr-3456	477	9	57–71	57–71	NUM
fsr-3456	477	10	.	.	PUNCT
fsr-3456	477	11	available	available	ADJ
fsr-3456	477	12	at	at	ADP
fsr-3456	477	13	https://search.informit.com.au/fulltext;dn=769059811260161;res=ielhss	https://search.informit.com.au/fulltext;dn=769059811260161;res=ielhss	PROPN
fsr-3456	477	14	hancock	hancock	PROPN
fsr-3456	477	15	,	,	PUNCT
fsr-3456	477	16	a.	a.	NOUN
fsr-3456	477	17	m.	m.	NOUN
fsr-3456	477	18	,	,	PUNCT
fsr-3456	477	19	jorgensen	jorgensen	PROPN
fsr-3456	477	20	,	,	PUNCT
fsr-3456	477	21	b.	b.	PROPN
fsr-3456	477	22	l.	l.	PROPN
fsr-3456	477	23	,	,	PUNCT
fsr-3456	477	24	&	&	CCONJ
fsr-3456	477	25	swanson	swanson	PROPN
fsr-3456	477	26	,	,	PUNCT
fsr-3456	477	27	m.	m.	NOUN
fsr-3456	477	28	s.	s.	PROPN
fsr-3456	477	29	(	(	PUNCT
fsr-3456	477	30	2013	2013	NUM
fsr-3456	477	31	)	)	PUNCT
fsr-3456	477	32	.	.	PUNCT
fsr-3456	478	1	college	college	NOUN
fsr-3456	478	2	students	student	NOUN
fsr-3456	478	3	and	and	CCONJ
fsr-3456	478	4	credit	credit	NOUN
fsr-3456	478	5	card	card	NOUN
fsr-3456	478	6	use	use	NOUN
fsr-3456	478	7	:	:	PUNCT
fsr-3456	478	8	the	the	DET
fsr-3456	478	9	role	role	NOUN
fsr-3456	478	10	of	of	ADP
fsr-3456	478	11	parents	parent	NOUN
fsr-3456	478	12	,	,	PUNCT
fsr-3456	478	13	work	work	NOUN
fsr-3456	478	14	experience	experience	NOUN
fsr-3456	478	15	,	,	PUNCT
fsr-3456	478	16	financial	financial	ADJ
fsr-3456	478	17	knowledge	knowledge	NOUN
fsr-3456	478	18	and	and	CCONJ
fsr-3456	478	19	credit	credit	NOUN
fsr-3456	478	20	card	card	NOUN
fsr-3456	478	21	attitudes	attitude	NOUN
fsr-3456	478	22	.	.	PUNCT
fsr-3456	479	1	journal	journal	NOUN
fsr-3456	479	2	of	of	ADP
fsr-3456	479	3	family	family	NOUN
fsr-3456	479	4	and	and	CCONJ
fsr-3456	479	5	economic	economic	ADJ
fsr-3456	479	6	issues	issue	NOUN
fsr-3456	479	7	,	,	PUNCT
fsr-3456	479	8	34	34	NUM
fsr-3456	479	9	,	,	PUNCT
fsr-3456	479	10	369–381	369–381	NUM
fsr-3456	479	11	.	.	PUNCT
fsr-3456	480	1	harrison	harrison	PROPN
fsr-3456	480	2	,	,	PUNCT
fsr-3456	480	3	n.	n.	NOUN
fsr-3456	480	4	,	,	PUNCT
fsr-3456	480	5	&	&	CCONJ
fsr-3456	480	6	agnew	agnew	PROPN
fsr-3456	480	7	,	,	PUNCT
fsr-3456	480	8	s.	s.	PROPN
fsr-3456	480	9	(	(	PUNCT
fsr-3456	480	10	2016	2016	NUM
fsr-3456	480	11	)	)	PUNCT
fsr-3456	480	12	.	.	PUNCT
fsr-3456	481	1	individual	individual	ADJ
fsr-3456	481	2	and	and	CCONJ
fsr-3456	481	3	social	social	ADJ
fsr-3456	481	4	influences	influence	NOUN
fsr-3456	481	5	on	on	ADP
fsr-3456	481	6	students	student	NOUN
fsr-3456	481	7	’	'	PUNCT
fsr-3456	481	8	attitudes	attitude	NOUN
fsr-3456	481	9	to	to	ADP
fsr-3456	481	10	debt	debt	NOUN
fsr-3456	481	11	:	:	PUNCT
fsr-3456	481	12	a	a	DET
fsr-3456	481	13	crossnational	crossnational	ADJ
fsr-3456	481	14	path	path	NOUN
fsr-3456	481	15	analysis	analysis	NOUN
fsr-3456	481	16	using	use	VERB
fsr-3456	481	17	data	datum	NOUN
fsr-3456	481	18	from	from	ADP
fsr-3456	481	19	england	england	PROPN
fsr-3456	481	20	and	and	CCONJ
fsr-3456	481	21	new	new	PROPN
fsr-3456	481	22	zealand	zealand	PROPN
fsr-3456	481	23	.	.	PUNCT
fsr-3456	482	1	higher	high	ADJ
fsr-3456	482	2	education	education	PROPN
fsr-3456	482	3	quarterly	quarterly	ADV
fsr-3456	482	4	,	,	PUNCT
fsr-3456	482	5	70	70	NUM
fsr-3456	482	6	,	,	PUNCT
fsr-3456	482	7	332–332	332–332	NUM
fsr-3456	482	8	.	.	PUNCT
fsr-3456	483	1	hastings	hastings	PROPN
fsr-3456	483	2	,	,	PUNCT
fsr-3456	483	3	j.	j.	PROPN
fsr-3456	483	4	,	,	PUNCT
fsr-3456	483	5	&	&	CCONJ
fsr-3456	483	6	tejeda	tejeda	PROPN
fsr-3456	483	7	-	-	PUNCT
fsr-3456	483	8	ashton	ashton	PROPN
fsr-3456	483	9	,	,	PUNCT
fsr-3456	483	10	l.	l.	PROPN
fsr-3456	483	11	(	(	PUNCT
fsr-3456	483	12	2008	2008	NUM
fsr-3456	483	13	)	)	PUNCT
fsr-3456	483	14	.	.	PUNCT
fsr-3456	484	1	financial	financial	ADJ
fsr-3456	484	2	literacy	literacy	NOUN
fsr-3456	484	3	,	,	PUNCT
fsr-3456	484	4	information	information	NOUN
fsr-3456	484	5	and	and	CCONJ
fsr-3456	484	6	demand	demand	NOUN
fsr-3456	484	7	elasticity	elasticity	NOUN
fsr-3456	484	8	:	:	PUNCT
fsr-3456	484	9	survey	survey	NOUN
fsr-3456	484	10	and	and	CCONJ
fsr-3456	484	11	experimental	experimental	ADJ
fsr-3456	484	12	evidence	evidence	NOUN
fsr-3456	484	13	from	from	ADP
fsr-3456	484	14	mexico	mexico	PROPN
fsr-3456	484	15	.	.	PUNCT
fsr-3456	485	1	nber	nber	PROPN
fsr-3456	485	2	working	working	PROPN
fsr-3456	485	3	paper	paper	PROPN
fsr-3456	485	4	14538	14538	NUM
fsr-3456	485	5	.	.	PUNCT
fsr-3456	486	1	cambridge	cambridge	PROPN
fsr-3456	486	2	,	,	PUNCT
fsr-3456	486	3	ma	ma	PROPN
fsr-3456	486	4	:	:	PUNCT
fsr-3456	486	5	national	national	PROPN
fsr-3456	486	6	bureau	bureau	PROPN
fsr-3456	486	7	of	of	ADP
fsr-3456	486	8	economic	economic	ADJ
fsr-3456	486	9	research	research	NOUN
fsr-3456	486	10	.	.	PUNCT
fsr-3456	487	1	henager	henager	PROPN
fsr-3456	487	2	,	,	PUNCT
fsr-3456	487	3	r.	r.	PROPN
fsr-3456	487	4	,	,	PUNCT
fsr-3456	487	5	&	&	CCONJ
fsr-3456	487	6	wilmarth	wilmarth	NOUN
fsr-3456	487	7	,	,	PUNCT
fsr-3456	487	8	m.	m.	NOUN
fsr-3456	487	9	j.	j.	PROPN
fsr-3456	487	10	(	(	PUNCT
fsr-3456	487	11	2018	2018	NUM
fsr-3456	487	12	)	)	PUNCT
fsr-3456	487	13	.	.	PUNCT
fsr-3456	488	1	the	the	DET
fsr-3456	488	2	relationship	relationship	NOUN
fsr-3456	488	3	between	between	ADP
fsr-3456	488	4	student	student	NOUN
fsr-3456	488	5	loan	loan	NOUN
fsr-3456	488	6	debt	debt	NOUN
fsr-3456	488	7	and	and	CCONJ
fsr-3456	488	8	financial	financial	ADJ
fsr-3456	488	9	wellness	wellness	NOUN
fsr-3456	488	10	.	.	PUNCT
fsr-3456	489	1	family	family	NOUN
fsr-3456	489	2	and	and	CCONJ
fsr-3456	489	3	consumer	consumer	NOUN
fsr-3456	489	4	sciences	sciences	PROPN
fsr-3456	489	5	research	research	NOUN
fsr-3456	489	6	journal	journal	NOUN
fsr-3456	489	7	,	,	PUNCT
fsr-3456	489	8	46	46	NUM
fsr-3456	489	9	,	,	PUNCT
fsr-3456	489	10	381–395	381–395	NUM
fsr-3456	489	11	.	.	PUNCT
fsr-3456	490	1	hilgert	hilgert	PROPN
fsr-3456	490	2	,	,	PUNCT
fsr-3456	490	3	m.	m.	NOUN
fsr-3456	490	4	,	,	PUNCT
fsr-3456	490	5	hogarth	hogarth	NOUN
fsr-3456	490	6	,	,	PUNCT
fsr-3456	490	7	j.	j.	PROPN
fsr-3456	490	8	,	,	PUNCT
fsr-3456	490	9	&	&	CCONJ
fsr-3456	490	10	beverly	beverly	PROPN
fsr-3456	490	11	,	,	PUNCT
fsr-3456	490	12	s.	s.	PROPN
fsr-3456	490	13	(	(	PUNCT
fsr-3456	490	14	2003	2003	NUM
fsr-3456	490	15	)	)	PUNCT
fsr-3456	490	16	.	.	PUNCT
fsr-3456	491	1	household	household	NOUN
fsr-3456	491	2	financial	financial	ADJ
fsr-3456	491	3	management	management	NOUN
fsr-3456	491	4	:	:	PUNCT
fsr-3456	491	5	the	the	DET
fsr-3456	491	6	connection	connection	NOUN
fsr-3456	491	7	between	between	ADP
fsr-3456	491	8	knowledge	knowledge	NOUN
fsr-3456	491	9	and	and	CCONJ
fsr-3456	491	10	behavior	behavior	NOUN
fsr-3456	491	11	.	.	PUNCT
fsr-3456	492	1	federal	federal	PROPN
fsr-3456	492	2	reserve	reserve	PROPN
fsr-3456	492	3	bulletin	bulletin	PROPN
fsr-3456	492	4	,	,	PUNCT
fsr-3456	492	5	july	july	PROPN
fsr-3456	492	6	,	,	PUNCT
fsr-3456	492	7	309–322	309–322	NUM
fsr-3456	492	8	.	.	PUNCT
fsr-3456	493	1	johnson	johnson	PROPN
fsr-3456	493	2	,	,	PUNCT
fsr-3456	493	3	w.	w.	PROPN
fsr-3456	493	4	,	,	PUNCT
fsr-3456	493	5	&	&	CCONJ
fsr-3456	493	6	krueger	krueger	PROPN
fsr-3456	493	7	,	,	PUNCT
fsr-3456	493	8	r.	r.	PROPN
fsr-3456	493	9	f.	f.	PROPN
fsr-3456	493	10	(	(	PUNCT
fsr-3456	493	11	2006	2006	NUM
fsr-3456	493	12	)	)	PUNCT
fsr-3456	493	13	.	.	PUNCT
fsr-3456	494	1	how	how	SCONJ
fsr-3456	494	2	money	money	NOUN
fsr-3456	494	3	buys	buy	VERB
fsr-3456	494	4	happiness	happiness	NOUN
fsr-3456	494	5	:	:	PUNCT
fsr-3456	494	6	genetic	genetic	ADJ
fsr-3456	494	7	and	and	CCONJ
fsr-3456	494	8	environmental	environmental	ADJ
fsr-3456	494	9	processes	process	NOUN
fsr-3456	494	10	linking	link	VERB
fsr-3456	494	11	finances	finance	NOUN
fsr-3456	494	12	and	and	CCONJ
fsr-3456	494	13	life	life	NOUN
fsr-3456	494	14	satisfaction	satisfaction	NOUN
fsr-3456	494	15	.	.	PUNCT
fsr-3456	495	1	journal	journal	NOUN
fsr-3456	495	2	of	of	ADP
fsr-3456	495	3	personality	personality	NOUN
fsr-3456	495	4	and	and	CCONJ
fsr-3456	495	5	social	social	ADJ
fsr-3456	495	6	psychology	psychology	NOUN
fsr-3456	495	7	,	,	PUNCT
fsr-3456	495	8	90	90	NUM
fsr-3456	495	9	,	,	PUNCT
fsr-3456	495	10	680–691	680–691	NUM
fsr-3456	495	11	.	.	PUNCT
fsr-3456	496	1	jorgensen	jorgensen	PROPN
fsr-3456	496	2	,	,	PUNCT
fsr-3456	496	3	b.	b.	PROPN
fsr-3456	496	4	l.	l.	PROPN
fsr-3456	496	5	(	(	PUNCT
fsr-3456	496	6	2007	2007	NUM
fsr-3456	496	7	)	)	PUNCT
fsr-3456	496	8	.	.	PUNCT
fsr-3456	497	1	financial	financial	ADJ
fsr-3456	497	2	literacy	literacy	NOUN
fsr-3456	497	3	of	of	ADP
fsr-3456	497	4	college	college	NOUN
fsr-3456	497	5	students	student	NOUN
fsr-3456	497	6	:	:	PUNCT
fsr-3456	497	7	parental	parental	ADJ
fsr-3456	497	8	and	and	CCONJ
fsr-3456	497	9	peer	peer	NOUN
fsr-3456	497	10	influences	influence	NOUN
fsr-3456	497	11	.	.	PUNCT
fsr-3456	498	1	thesis	thesis	NOUN
fsr-3456	498	2	for	for	ADP
fsr-3456	498	3	master	master	NOUN
fsr-3456	498	4	of	of	ADP
fsr-3456	498	5	science	science	NOUN
fsr-3456	498	6	in	in	ADP
fsr-3456	498	7	human	human	ADJ
fsr-3456	498	8	development	development	PROPN
fsr-3456	498	9	,	,	PUNCT
fsr-3456	498	10	virginia	virginia	PROPN
fsr-3456	498	11	polytechnic	polytechnic	PROPN
fsr-3456	498	12	institute	institute	PROPN
fsr-3456	498	13	and	and	CCONJ
fsr-3456	498	14	state	state	PROPN
fsr-3456	498	15	university	university	PROPN
fsr-3456	498	16	.	.	PUNCT
fsr-3456	499	1	available	available	ADJ
fsr-3456	499	2	at	at	ADP
fsr-3456	499	3	http://	http://	PROPN
fsr-3456	499	4	citeseerx.ist.psu.edu/viewdoc/download?doi=10.1.1.536.9199&rep=rep1&type=pdf	citeseerx.ist.psu.edu/viewdoc/download?doi=10.1.1.536.9199&rep=rep1&type=pdf	PROPN
fsr-3456	499	5	kaine	kaine	PROPN
fsr-3456	499	6	,	,	PUNCT
fsr-3456	499	7	s.	s.	PROPN
fsr-3456	499	8	,	,	PUNCT
fsr-3456	499	9	oliver	oliver	PROPN
fsr-3456	499	10	,	,	PUNCT
fsr-3456	499	11	d.	d.	PROPN
fsr-3456	499	12	,	,	PUNCT
fsr-3456	499	13	&	&	CCONJ
fsr-3456	499	14	josserand	josserand	PROPN
fsr-3456	499	15	,	,	PUNCT
fsr-3456	499	16	e.	e.	PROPN
fsr-3456	499	17	(	(	PUNCT
fsr-3456	499	18	2017	2017	NUM
fsr-3456	499	19	)	)	PUNCT
fsr-3456	499	20	.	.	PUNCT
fsr-3456	500	1	precarity	precarity	NOUN
fsr-3456	500	2	in	in	ADP
fsr-3456	500	3	the	the	DET
fsr-3456	500	4	gig	gig	NOUN
fsr-3456	500	5	-	-	PUNCT
fsr-3456	500	6	economy	economy	NOUN
fsr-3456	500	7	:	:	PUNCT
fsr-3456	500	8	the	the	DET
fsr-3456	500	9	experience	experience	NOUN
fsr-3456	500	10	of	of	ADP
fsr-3456	500	11	rideshare	rideshare	PROPN
fsr-3456	500	12	drivers	driver	NOUN
fsr-3456	500	13	.	.	PUNCT
fsr-3456	501	1	in	in	ADP
fsr-3456	501	2	proceedings	proceeding	NOUN
fsr-3456	501	3	.	.	PUNCT
fsr-3456	502	1	association	association	NOUN
fsr-3456	502	2	of	of	ADP
fsr-3456	502	3	industrial	industrial	ADJ
fsr-3456	502	4	relations	relation	NOUN
fsr-3456	502	5	academics	academic	NOUN
fsr-3456	502	6	in	in	ADP
fsr-3456	502	7	australia	australia	PROPN
fsr-3456	502	8	and	and	CCONJ
fsr-3456	502	9	new	new	PROPN
fsr-3456	502	10	zealand	zealand	PROPN
fsr-3456	502	11	conference	conference	PROPN
fsr-3456	502	12	.	.	PUNCT
fsr-3456	503	1	canberra	canberra	PROPN
fsr-3456	503	2	,	,	PUNCT
fsr-3456	503	3	australia	australia	PROPN
fsr-3456	503	4	,	,	PUNCT
fsr-3456	503	5	february	february	PROPN
fsr-3456	503	6	8–10	8–10	PROPN
fsr-3456	503	7	.	.	PUNCT
fsr-3456	504	1	lusardi	lusardi	PROPN
fsr-3456	504	2	,	,	PUNCT
fsr-3456	504	3	a.	a.	PROPN
fsr-3456	504	4	,	,	PUNCT
fsr-3456	504	5	&	&	CCONJ
fsr-3456	504	6	mitchell	mitchell	PROPN
fsr-3456	504	7	,	,	PUNCT
fsr-3456	504	8	o.	o.	PROPN
fsr-3456	504	9	(	(	PUNCT
fsr-3456	504	10	2006	2006	NUM
fsr-3456	504	11	)	)	PUNCT
fsr-3456	504	12	.	.	PUNCT
fsr-3456	505	1	financial	financial	ADJ
fsr-3456	505	2	literacy	literacy	NOUN
fsr-3456	505	3	and	and	CCONJ
fsr-3456	505	4	planning	planning	NOUN
fsr-3456	505	5	:	:	PUNCT
fsr-3456	505	6	implications	implication	NOUN
fsr-3456	505	7	for	for	ADP
fsr-3456	505	8	retirement	retirement	NOUN
fsr-3456	505	9	wellbeing	wellbeing	NOUN
fsr-3456	505	10	.	.	PUNCT
fsr-3456	506	1	working	work	VERB
fsr-3456	506	2	paper	paper	NOUN
fsr-3456	506	3	,	,	PUNCT
fsr-3456	506	4	pension	pension	NOUN
fsr-3456	506	5	research	research	NOUN
fsr-3456	506	6	council	council	PROPN
fsr-3456	506	7	.	.	PUNCT
fsr-3456	507	1	wharton	wharton	PROPN
fsr-3456	507	2	school	school	PROPN
fsr-3456	507	3	:	:	PUNCT
fsr-3456	507	4	university	university	NOUN
fsr-3456	507	5	of	of	ADP
fsr-3456	507	6	pennsylvania	pennsylvania	PROPN
fsr-3456	507	7	.	.	PUNCT
fsr-3456	508	1	lusardi	lusardi	PROPN
fsr-3456	508	2	,	,	PUNCT
fsr-3456	508	3	a.	a.	PROPN
fsr-3456	508	4	,	,	PUNCT
fsr-3456	508	5	&	&	CCONJ
fsr-3456	508	6	mitchell	mitchell	PROPN
fsr-3456	508	7	,	,	PUNCT
fsr-3456	508	8	o.	o.	PROPN
fsr-3456	508	9	(	(	PUNCT
fsr-3456	508	10	2007	2007	NUM
fsr-3456	508	11	)	)	PUNCT
fsr-3456	508	12	.	.	PUNCT
fsr-3456	509	1	baby	baby	NOUN
fsr-3456	509	2	boomer	boomer	PROPN
fsr-3456	509	3	retirement	retirement	PROPN
fsr-3456	509	4	security	security	PROPN
fsr-3456	509	5	:	:	PUNCT
fsr-3456	509	6	the	the	DET
fsr-3456	509	7	role	role	NOUN
fsr-3456	509	8	of	of	ADP
fsr-3456	509	9	planning	planning	NOUN
fsr-3456	509	10	,	,	PUNCT
fsr-3456	509	11	financial	financial	ADJ
fsr-3456	509	12	literacy	literacy	NOUN
fsr-3456	509	13	and	and	CCONJ
fsr-3456	509	14	housing	housing	NOUN
fsr-3456	509	15	wealth	wealth	NOUN
fsr-3456	509	16	.	.	PUNCT
fsr-3456	510	1	journal	journal	PROPN
fsr-3456	510	2	of	of	ADP
fsr-3456	510	3	monetary	monetary	ADJ
fsr-3456	510	4	economics	economic	NOUN
fsr-3456	510	5	,	,	PUNCT
fsr-3456	510	6	54	54	NUM
fsr-3456	510	7	,	,	PUNCT
fsr-3456	510	8	205–224	205–224	NUM
fsr-3456	510	9	.	.	PUNCT
fsr-3456	511	1	t.	t.	PROPN
fsr-3456	511	2	west	west	PROPN
fsr-3456	511	3	et	et	PROPN
fsr-3456	511	4	al	al	PROPN
fsr-3456	511	5	.	.	PUNCT
fsr-3456	511	6	/	/	SYM
fsr-3456	511	7	financial	financial	ADJ
fsr-3456	511	8	services	service	NOUN
fsr-3456	511	9	review	review	VERB
fsr-3456	511	10	29	29	NUM
fsr-3456	511	11	(	(	PUNCT
fsr-3456	511	12	2021	2021	NUM
fsr-3456	511	13	)	)	PUNCT
fsr-3456	511	14	187–207	187–207	NUM
fsr-3456	511	15	205	205	NUM
fsr-3456	511	16	lusardi	lusardi	NOUN
fsr-3456	511	17	,	,	PUNCT
fsr-3456	511	18	a.	a.	PROPN
fsr-3456	511	19	,	,	PUNCT
fsr-3456	511	20	&	&	CCONJ
fsr-3456	511	21	mitchell	mitchell	PROPN
fsr-3456	511	22	,	,	PUNCT
fsr-3456	511	23	o.	o.	PROPN
fsr-3456	511	24	(	(	PUNCT
fsr-3456	511	25	2009	2009	NUM
fsr-3456	511	26	)	)	PUNCT
fsr-3456	511	27	.	.	PUNCT
fsr-3456	512	1	how	how	SCONJ
fsr-3456	512	2	ordinary	ordinary	ADJ
fsr-3456	512	3	people	people	NOUN
fsr-3456	512	4	make	make	VERB
fsr-3456	512	5	complex	complex	ADJ
fsr-3456	512	6	economics	economic	NOUN
fsr-3456	512	7	decisions	decision	NOUN
fsr-3456	512	8	:	:	PUNCT
fsr-3456	512	9	financial	financial	ADJ
fsr-3456	512	10	literacy	literacy	NOUN
fsr-3456	512	11	and	and	CCONJ
fsr-3456	512	12	retirement	retirement	NOUN
fsr-3456	512	13	readiness	readiness	NOUN
fsr-3456	512	14	.	.	PUNCT
fsr-3456	513	1	nber	nber	PROPN
fsr-3456	513	2	working	working	PROPN
fsr-3456	513	3	paper	paper	PROPN
fsr-3456	513	4	15350	15350	NUM
fsr-3456	513	5	.	.	PUNCT
fsr-3456	514	1	national	national	PROPN
fsr-3456	514	2	bureau	bureau	PROPN
fsr-3456	514	3	of	of	ADP
fsr-3456	514	4	economic	economic	ADJ
fsr-3456	514	5	research	research	NOUN
fsr-3456	514	6	.	.	PUNCT
fsr-3456	515	1	available	available	ADJ
fsr-3456	515	2	at	at	ADP
fsr-3456	515	3	http://www.nber.org/papers/w15350	http://www.nber.org/papers/w15350	PROPN
fsr-3456	515	4	lusardi	lusardi	PROPN
fsr-3456	515	5	,	,	PUNCT
fsr-3456	515	6	a.	a.	PROPN
fsr-3456	515	7	,	,	PUNCT
fsr-3456	515	8	&	&	CCONJ
fsr-3456	515	9	mitchell	mitchell	PROPN
fsr-3456	515	10	,	,	PUNCT
fsr-3456	515	11	o.	o.	PROPN
fsr-3456	515	12	s.	s.	PROPN
fsr-3456	515	13	(	(	PUNCT
fsr-3456	515	14	2011	2011	NUM
fsr-3456	515	15	)	)	PUNCT
fsr-3456	515	16	.	.	PUNCT
fsr-3456	516	1	financial	financial	ADJ
fsr-3456	516	2	literacy	literacy	NOUN
fsr-3456	516	3	around	around	ADP
fsr-3456	516	4	the	the	DET
fsr-3456	516	5	world	world	NOUN
fsr-3456	516	6	:	:	PUNCT
fsr-3456	516	7	an	an	DET
fsr-3456	516	8	overview	overview	NOUN
fsr-3456	516	9	.	.	PUNCT
fsr-3456	517	1	journal	journal	NOUN
fsr-3456	517	2	of	of	ADP
fsr-3456	517	3	pension	pension	NOUN
fsr-3456	517	4	economics	economic	NOUN
fsr-3456	517	5	&	&	CCONJ
fsr-3456	517	6	finance	finance	PROPN
fsr-3456	517	7	,	,	PUNCT
fsr-3456	517	8	10	10	NUM
fsr-3456	517	9	,	,	PUNCT
fsr-3456	517	10	497–508	497–508	NUM
fsr-3456	517	11	.	.	PUNCT
fsr-3456	518	1	lusardi	lusardi	PROPN
fsr-3456	518	2	,	,	PUNCT
fsr-3456	518	3	a.	a.	PROPN
fsr-3456	518	4	,	,	PUNCT
fsr-3456	518	5	mitchell	mitchell	PROPN
fsr-3456	518	6	,	,	PUNCT
fsr-3456	518	7	o.	o.	PROPN
fsr-3456	518	8	,	,	PUNCT
fsr-3456	518	9	&	&	CCONJ
fsr-3456	518	10	curto	curto	PROPN
fsr-3456	518	11	,	,	PUNCT
fsr-3456	518	12	v.	v.	PROPN
fsr-3456	518	13	(	(	PUNCT
fsr-3456	518	14	2010	2010	NUM
fsr-3456	518	15	)	)	PUNCT
fsr-3456	518	16	.	.	PUNCT
fsr-3456	519	1	financial	financial	ADJ
fsr-3456	519	2	literacy	literacy	NOUN
fsr-3456	519	3	among	among	ADP
fsr-3456	519	4	the	the	DET
fsr-3456	519	5	young	young	ADJ
fsr-3456	519	6	.	.	PUNCT
fsr-3456	520	1	journal	journal	PROPN
fsr-3456	520	2	of	of	ADP
fsr-3456	520	3	consumer	consumer	NOUN
fsr-3456	520	4	affairs	affair	NOUN
fsr-3456	520	5	,	,	PUNCT
fsr-3456	520	6	44	44	NUM
fsr-3456	520	7	,	,	PUNCT
fsr-3456	520	8	358–380	358–380	NUM
fsr-3456	520	9	.	.	PUNCT
fsr-3456	521	1	lusardi	lusardi	PROPN
fsr-3456	521	2	,	,	PUNCT
fsr-3456	521	3	a.	a.	PROPN
fsr-3456	521	4	,	,	PUNCT
fsr-3456	521	5	&	&	CCONJ
fsr-3456	521	6	tufano	tufano	ADJ
fsr-3456	521	7	,	,	PUNCT
fsr-3456	521	8	p.	p.	NOUN
fsr-3456	521	9	(	(	PUNCT
fsr-3456	521	10	2009	2009	NUM
fsr-3456	521	11	)	)	PUNCT
fsr-3456	521	12	.	.	PUNCT
fsr-3456	522	1	debt	debt	NOUN
fsr-3456	522	2	literacy	literacy	NOUN
fsr-3456	522	3	,	,	PUNCT
fsr-3456	522	4	financial	financial	ADJ
fsr-3456	522	5	experiences	experience	NOUN
fsr-3456	522	6	and	and	CCONJ
fsr-3456	522	7	overindebtedness	overindebtedness	NOUN
fsr-3456	522	8	.	.	PUNCT
fsr-3456	523	1	nber	nber	PROPN
fsr-3456	523	2	working	working	PROPN
fsr-3456	523	3	paper	paper	PROPN
fsr-3456	523	4	14808	14808	NUM
fsr-3456	523	5	.	.	PUNCT
fsr-3456	524	1	national	national	PROPN
fsr-3456	524	2	bureau	bureau	PROPN
fsr-3456	524	3	of	of	ADP
fsr-3456	524	4	economic	economic	ADJ
fsr-3456	524	5	research	research	NOUN
fsr-3456	524	6	.	.	PUNCT
fsr-3456	525	1	available	available	ADJ
fsr-3456	525	2	at	at	ADP
fsr-3456	525	3	https://www.nber.org/papers/w14808	https://www.nber.org/papers/w14808	PROPN
fsr-3456	525	4	luthans	luthans	PROPN
fsr-3456	525	5	,	,	PUNCT
fsr-3456	525	6	k.	k.	PROPN
fsr-3456	525	7	w.	w.	PROPN
fsr-3456	525	8	,	,	PUNCT
fsr-3456	525	9	luthans	luthans	PROPN
fsr-3456	525	10	,	,	PUNCT
fsr-3456	525	11	b.	b.	PROPN
fsr-3456	525	12	c.	c.	PROPN
fsr-3456	525	13	,	,	PUNCT
fsr-3456	525	14	&	&	CCONJ
fsr-3456	525	15	chaffin	chaffin	PROPN
fsr-3456	525	16	,	,	PUNCT
fsr-3456	525	17	d.	d.	PROPN
fsr-3456	525	18	(	(	PUNCT
fsr-3456	525	19	2019	2019	NUM
fsr-3456	525	20	)	)	PUNCT
fsr-3456	525	21	.	.	PUNCT
fsr-3456	526	1	refining	refining	NOUN
fsr-3456	526	2	grit	grit	NOUN
fsr-3456	526	3	in	in	ADP
fsr-3456	526	4	academic	academic	ADJ
fsr-3456	526	5	performance	performance	NOUN
fsr-3456	526	6	:	:	PUNCT
fsr-3456	526	7	the	the	DET
fsr-3456	526	8	mediational	mediational	ADJ
fsr-3456	526	9	role	role	NOUN
fsr-3456	526	10	of	of	ADP
fsr-3456	526	11	psychological	psychological	ADJ
fsr-3456	526	12	capital	capital	NOUN
fsr-3456	526	13	.	.	PUNCT
fsr-3456	527	1	journal	journal	PROPN
fsr-3456	527	2	of	of	ADP
fsr-3456	527	3	management	management	NOUN
fsr-3456	527	4	education	education	NOUN
fsr-3456	527	5	,	,	PUNCT
fsr-3456	527	6	43	43	NUM
fsr-3456	527	7	,	,	PUNCT
fsr-3456	527	8	35–61	35–61	NUM
fsr-3456	527	9	.	.	PUNCT
fsr-3456	528	1	lyon	lyon	PROPN
fsr-3456	528	2	,	,	PUNCT
fsr-3456	528	3	k.	k.	PROPN
fsr-3456	528	4	,	,	PUNCT
fsr-3456	528	5	&	&	CCONJ
fsr-3456	528	6	matson	matson	PROPN
fsr-3456	528	7	,	,	PUNCT
fsr-3456	528	8	t.	t.	PROPN
fsr-3456	528	9	(	(	PUNCT
fsr-3456	528	10	2019	2019	NUM
fsr-3456	528	11	)	)	PUNCT
fsr-3456	528	12	.	.	PUNCT
fsr-3456	529	1	how	how	SCONJ
fsr-3456	529	2	university	university	NOUN
fsr-3456	529	3	leaders	leader	NOUN
fsr-3456	529	4	can	can	AUX
fsr-3456	529	5	empower	empower	VERB
fsr-3456	529	6	the	the	DET
fsr-3456	529	7	’	'	PUNCT
fsr-3456	529	8	new	new	ADJ
fsr-3456	529	9	majority	majority	NOUN
fsr-3456	529	10	’	'	PUNCT
fsr-3456	529	11	student	student	NOUN
fsr-3456	529	12	.	.	PUNCT
fsr-3456	530	1	gallup	gallup	PROPN
fsr-3456	530	2	education	education	PROPN
fsr-3456	530	3	,	,	PUNCT
fsr-3456	530	4	august	august	PROPN
fsr-3456	530	5	9	9	NUM
fsr-3456	530	6	.	.	PUNCT
fsr-3456	530	7	available	available	ADJ
fsr-3456	530	8	at	at	ADP
fsr-3456	530	9	https://www.gallup.com/education/264299/university-leaders-empowernew-majority-student.aspx	https://www.gallup.com/education/264299/university-leaders-empowernew-majority-student.aspx	PROPN
fsr-3456	530	10	mae	mae	PROPN
fsr-3456	530	11	,	,	PUNCT
fsr-3456	530	12	s.	s.	PROPN
fsr-3456	530	13	(	(	PUNCT
fsr-3456	530	14	2009	2009	NUM
fsr-3456	530	15	)	)	PUNCT
fsr-3456	530	16	.	.	PUNCT
fsr-3456	531	1	how	how	SCONJ
fsr-3456	531	2	undergraduate	undergraduate	ADJ
fsr-3456	531	3	students	student	NOUN
fsr-3456	531	4	use	use	VERB
fsr-3456	531	5	credit	credit	NOUN
fsr-3456	531	6	cards	card	NOUN
fsr-3456	531	7	:	:	PUNCT
fsr-3456	531	8	sallie	sallie	PROPN
fsr-3456	531	9	mae	mae	PROPN
fsr-3456	531	10	’s	’s	PART
fsr-3456	531	11	national	national	ADJ
fsr-3456	531	12	study	study	NOUN
fsr-3456	531	13	of	of	ADP
fsr-3456	531	14	usage	usage	NOUN
fsr-3456	531	15	rates	rate	NOUN
fsr-3456	531	16	and	and	CCONJ
fsr-3456	531	17	trends	trend	NOUN
fsr-3456	531	18	.	.	PUNCT
fsr-3456	532	1	available	available	ADJ
fsr-3456	532	2	at	at	ADP
fsr-3456	532	3	https://news.salliemae.com/sites/salliemae.newshq.businesswire.com/files/doc	https://news.salliemae.com/sites/salliemae.newshq.businesswire.com/files/doc	PROPN
fsr-3456	532	4	_	_	PROPN
fsr-3456	532	5	library	library	NOUN
fsr-3456	532	6	/	/	SYM
fsr-3456	532	7	file	file	NOUN
fsr-3456	532	8	/	/	SYM
fsr-3456	532	9	salliemae_majoringinmoney_2016.pdf	salliemae_majoringinmoney_2016.pdf	PROPN
fsr-3456	532	10	mentzer	mentzer	PROPN
fsr-3456	532	11	,	,	PUNCT
fsr-3456	532	12	j.	j.	PROPN
fsr-3456	532	13	,	,	PUNCT
fsr-3456	532	14	klontz	klontz	PROPN
fsr-3456	532	15	,	,	PUNCT
fsr-3456	532	16	t.	t.	PROPN
fsr-3456	532	17	,	,	PUNCT
fsr-3456	532	18	klontz	klontz	PROPN
fsr-3456	532	19	,	,	PUNCT
fsr-3456	532	20	b.	b.	PROPN
fsr-3456	532	21	,	,	PUNCT
fsr-3456	532	22	&	&	CCONJ
fsr-3456	532	23	britt	britt	PROPN
fsr-3456	532	24	,	,	PUNCT
fsr-3456	532	25	s.	s.	PROPN
fsr-3456	532	26	l.	l.	PROPN
fsr-3456	532	27	(	(	PUNCT
fsr-3456	532	28	2011	2011	NUM
fsr-3456	532	29	)	)	PUNCT
fsr-3456	532	30	.	.	PUNCT
fsr-3456	533	1	money	money	NOUN
fsr-3456	533	2	beliefs	belief	NOUN
fsr-3456	533	3	and	and	CCONJ
fsr-3456	533	4	financial	financial	ADJ
fsr-3456	533	5	behaviors	behavior	NOUN
fsr-3456	533	6	:	:	PUNCT
fsr-3456	533	7	development	development	NOUN
fsr-3456	533	8	of	of	ADP
fsr-3456	533	9	the	the	DET
fsr-3456	533	10	klontz	klontz	PROPN
fsr-3456	533	11	money	money	NOUN
fsr-3456	533	12	script	script	NOUN
fsr-3456	533	13	inventory	inventory	NOUN
fsr-3456	533	14	.	.	PUNCT
fsr-3456	534	1	journal	journal	PROPN
fsr-3456	534	2	of	of	ADP
fsr-3456	534	3	financial	financial	ADJ
fsr-3456	534	4	therapy	therapy	NOUN
fsr-3456	534	5	,	,	PUNCT
fsr-3456	534	6	2(1),1	2(1),1	PROPN
fsr-3456	534	7	.	.	PUNCT
fsr-3456	535	1	mueller	mueller	PROPN
fsr-3456	535	2	,	,	PUNCT
fsr-3456	535	3	h.	h.	PROPN
fsr-3456	535	4	m.	m.	PROPN
fsr-3456	535	5	,	,	PUNCT
fsr-3456	535	6	&	&	CCONJ
fsr-3456	535	7	yannelis	yannelis	PROPN
fsr-3456	535	8	,	,	PUNCT
fsr-3456	535	9	c.	c.	PROPN
fsr-3456	535	10	(	(	PUNCT
fsr-3456	535	11	2019	2019	NUM
fsr-3456	535	12	)	)	PUNCT
fsr-3456	535	13	.	.	PUNCT
fsr-3456	536	1	the	the	DET
fsr-3456	536	2	rise	rise	NOUN
fsr-3456	536	3	in	in	ADP
fsr-3456	536	4	student	student	NOUN
fsr-3456	536	5	loan	loan	NOUN
fsr-3456	536	6	defaults	default	NOUN
fsr-3456	536	7	.	.	PUNCT
fsr-3456	537	1	journal	journal	NOUN
fsr-3456	537	2	of	of	ADP
fsr-3456	537	3	financial	financial	ADJ
fsr-3456	537	4	economics	economic	NOUN
fsr-3456	537	5	,	,	PUNCT
fsr-3456	537	6	131	131	NUM
fsr-3456	537	7	,	,	PUNCT
fsr-3456	537	8	1–19	1–19	PROPN
fsr-3456	537	9	.	.	PUNCT
fsr-3456	538	1	muir	muir	PROPN
fsr-3456	538	2	,	,	PUNCT
fsr-3456	538	3	k.	k.	PROPN
fsr-3456	538	4	,	,	PUNCT
fsr-3456	538	5	hamilton	hamilton	PROPN
fsr-3456	538	6	,	,	PUNCT
fsr-3456	538	7	m.	m.	NOUN
fsr-3456	538	8	,	,	PUNCT
fsr-3456	538	9	noone	noone	PROPN
fsr-3456	538	10	,	,	PUNCT
fsr-3456	538	11	j.	j.	PROPN
fsr-3456	538	12	,	,	PUNCT
fsr-3456	538	13	marjolin	marjolin	PROPN
fsr-3456	538	14	,	,	PUNCT
fsr-3456	538	15	a.	a.	NOUN
fsr-3456	538	16	,	,	PUNCT
fsr-3456	538	17	salignac	salignac	NOUN
fsr-3456	538	18	,	,	PUNCT
fsr-3456	538	19	f.	f.	PROPN
fsr-3456	538	20	,	,	PUNCT
fsr-3456	538	21	&	&	CCONJ
fsr-3456	538	22	saunders	saunder	NOUN
fsr-3456	538	23	,	,	PUNCT
fsr-3456	538	24	p.	p.	NOUN
fsr-3456	538	25	(	(	PUNCT
fsr-3456	538	26	2017	2017	NUM
fsr-3456	538	27	)	)	PUNCT
fsr-3456	538	28	.	.	PUNCT
fsr-3456	539	1	exploring	explore	VERB
fsr-3456	539	2	financial	financial	ADJ
fsr-3456	539	3	wellbeing	wellbeing	NOUN
fsr-3456	539	4	in	in	ADP
fsr-3456	539	5	the	the	DET
fsr-3456	539	6	australian	australian	ADJ
fsr-3456	539	7	context	context	NOUN
fsr-3456	539	8	.	.	PUNCT
fsr-3456	540	1	available	available	ADJ
fsr-3456	540	2	at	at	ADP
fsr-3456	540	3	http://www.financialliteracy.gov.au/media/560752/	http://www.financialliteracy.gov.au/media/560752/	NOUN
fsr-3456	540	4	research	research	NOUN
fsr-3456	540	5	-	-	PUNCT
fsr-3456	540	6	unsw	unsw	NOUN
fsr-3456	540	7	-	-	PUNCT
fsr-3456	540	8	fla	fla	PROPN
fsr-3456	540	9	-	-	PUNCT
fsr-3456	540	10	exploringfinancialwellbeingintheaustraliancontextreport-201709.pdf	exploringfinancialwellbeingintheaustraliancontextreport-201709.pdf	PROPN
fsr-3456	540	11	netemeyer	netemeyer	PROPN
fsr-3456	540	12	,	,	PUNCT
fsr-3456	540	13	r.	r.	PROPN
fsr-3456	540	14	g.	g.	PROPN
fsr-3456	540	15	,	,	PUNCT
fsr-3456	540	16	warmath	warmath	PROPN
fsr-3456	540	17	,	,	PUNCT
fsr-3456	540	18	d.	d.	PROPN
fsr-3456	540	19	,	,	PUNCT
fsr-3456	540	20	fernandes	fernandes	PROPN
fsr-3456	540	21	,	,	PUNCT
fsr-3456	540	22	d.	d.	PROPN
fsr-3456	540	23	,	,	PUNCT
fsr-3456	540	24	&	&	CCONJ
fsr-3456	540	25	lynch	lynch	PROPN
fsr-3456	540	26	,	,	PUNCT
fsr-3456	540	27	j.	j.	PROPN
fsr-3456	540	28	g.	g.	PROPN
fsr-3456	540	29	(	(	PUNCT
fsr-3456	540	30	2018	2018	NUM
fsr-3456	540	31	)	)	PUNCT
fsr-3456	540	32	.	.	PUNCT
fsr-3456	541	1	how	how	SCONJ
fsr-3456	541	2	am	be	AUX
fsr-3456	541	3	i	i	PRON
fsr-3456	541	4	doing	do	VERB
fsr-3456	541	5	?	?	PUNCT
fsr-3456	542	1	perceived	perceive	VERB
fsr-3456	542	2	financial	financial	ADJ
fsr-3456	542	3	well	well	NOUN
fsr-3456	542	4	-	-	PUNCT
fsr-3456	542	5	being	being	NOUN
fsr-3456	542	6	,	,	PUNCT
fsr-3456	542	7	its	its	PRON
fsr-3456	542	8	potential	potential	ADJ
fsr-3456	542	9	antecedents	antecedent	NOUN
fsr-3456	542	10	,	,	PUNCT
fsr-3456	542	11	and	and	CCONJ
fsr-3456	542	12	its	its	PRON
fsr-3456	542	13	relation	relation	NOUN
fsr-3456	542	14	to	to	ADP
fsr-3456	542	15	overall	overall	ADJ
fsr-3456	542	16	well	well	ADV
fsr-3456	542	17	-	-	PUNCT
fsr-3456	542	18	being	being	NOUN
fsr-3456	542	19	.	.	PUNCT
fsr-3456	543	1	journal	journal	PROPN
fsr-3456	543	2	of	of	ADP
fsr-3456	543	3	consumer	consumer	NOUN
fsr-3456	543	4	research	research	NOUN
fsr-3456	543	5	,	,	PUNCT
fsr-3456	543	6	45	45	NUM
fsr-3456	543	7	,	,	PUNCT
fsr-3456	543	8	68–89	68–89	NUM
fsr-3456	543	9	.	.	PUNCT
fsr-3456	544	1	norvilitis	norvilitis	PROPN
fsr-3456	544	2	,	,	PUNCT
fsr-3456	544	3	j.	j.	PROPN
fsr-3456	544	4	m.	m.	PROPN
fsr-3456	544	5	,	,	PUNCT
fsr-3456	544	6	szablicki	szablicki	PROPN
fsr-3456	544	7	,	,	PUNCT
fsr-3456	544	8	p.	p.	PROPN
fsr-3456	544	9	b.	b.	PROPN
fsr-3456	544	10	,	,	PUNCT
fsr-3456	544	11	&	&	CCONJ
fsr-3456	544	12	wilson	wilson	PROPN
fsr-3456	544	13	,	,	PUNCT
fsr-3456	544	14	s.	s.	PROPN
fsr-3456	544	15	d.	d.	PROPN
fsr-3456	544	16	(	(	PUNCT
fsr-3456	544	17	2003	2003	NUM
fsr-3456	544	18	)	)	PUNCT
fsr-3456	544	19	.	.	PUNCT
fsr-3456	545	1	factors	factor	NOUN
fsr-3456	545	2	influencing	influence	VERB
fsr-3456	545	3	levels	level	NOUN
fsr-3456	545	4	of	of	ADP
fsr-3456	545	5	credit	credit	NOUN
fsr-3456	545	6	-	-	PUNCT
fsr-3456	545	7	card	card	NOUN
fsr-3456	545	8	debt	debt	NOUN
fsr-3456	545	9	in	in	ADP
fsr-3456	545	10	college	college	NOUN
fsr-3456	545	11	students	student	NOUN
fsr-3456	545	12	.	.	PUNCT
fsr-3456	546	1	journal	journal	PROPN
fsr-3456	546	2	of	of	ADP
fsr-3456	546	3	applied	apply	VERB
fsr-3456	546	4	social	social	ADJ
fsr-3456	546	5	psychology	psychology	NOUN
fsr-3456	546	6	,	,	PUNCT
fsr-3456	546	7	33	33	NUM
fsr-3456	546	8	,	,	PUNCT
fsr-3456	546	9	935–947	935–947	NUM
fsr-3456	546	10	.	.	PUNCT
fsr-3456	547	1	oecd	oecd	PROPN
fsr-3456	547	2	.	.	PUNCT
fsr-3456	548	1	(	(	PUNCT
fsr-3456	548	2	2012	2012	NUM
fsr-3456	548	3	,	,	PUNCT
fsr-3456	548	4	august	august	PROPN
fsr-3456	548	5	)	)	PUNCT
fsr-3456	548	6	.	.	PUNCT
fsr-3456	549	1	oecd	oecd	PROPN
fsr-3456	549	2	international	international	ADJ
fsr-3456	549	3	network	network	NOUN
fsr-3456	549	4	on	on	ADP
fsr-3456	549	5	financial	financial	ADJ
fsr-3456	549	6	education	education	NOUN
fsr-3456	549	7	high	high	ADJ
fsr-3456	549	8	-	-	PUNCT
fsr-3456	549	9	level	level	NOUN
fsr-3456	549	10	principles	principle	NOUN
fsr-3456	549	11	on	on	ADP
fsr-3456	549	12	national	national	ADJ
fsr-3456	549	13	strategies	strategy	NOUN
fsr-3456	549	14	for	for	ADP
fsr-3456	549	15	financial	financial	ADJ
fsr-3456	549	16	education	education	NOUN
fsr-3456	549	17	.	.	PUNCT
fsr-3456	550	1	available	available	ADJ
fsr-3456	550	2	at	at	ADP
fsr-3456	550	3	https://www.oecd.org/daf/fin/financial-education/oecdinfe-principles-national-strategies-financial-education.pdf	https://www.oecd.org/daf/fin/financial-education/oecdinfe-principles-national-strategies-financial-education.pdf	PROPN
fsr-3456	550	4	oecd	oecd	PROPN
fsr-3456	550	5	.	.	PUNCT
fsr-3456	551	1	(	(	PUNCT
fsr-3456	551	2	2020	2020	NUM
fsr-3456	551	3	)	)	PUNCT
fsr-3456	551	4	.	.	PUNCT
fsr-3456	552	1	oecd	oecd	PROPN
fsr-3456	552	2	/	/	SYM
fsr-3456	552	3	infe	infe	NOUN
fsr-3456	552	4	2020	2020	NUM
fsr-3456	552	5	international	international	ADJ
fsr-3456	552	6	survey	survey	NOUN
fsr-3456	552	7	of	of	ADP
fsr-3456	552	8	adult	adult	NOUN
fsr-3456	552	9	financial	financial	ADJ
fsr-3456	552	10	literacy	literacy	NOUN
fsr-3456	552	11	.	.	PUNCT
fsr-3456	553	1	international	international	ADJ
fsr-3456	553	2	network	network	NOUN
fsr-3456	553	3	on	on	ADP
fsr-3456	553	4	financial	financial	ADJ
fsr-3456	553	5	education	education	NOUN
fsr-3456	553	6	(	(	PUNCT
fsr-3456	553	7	infe	infe	NOUN
fsr-3456	553	8	)	)	PUNCT
fsr-3456	553	9	.	.	PUNCT
fsr-3456	554	1	available	available	ADJ
fsr-3456	554	2	at	at	ADP
fsr-3456	554	3	www.oecd.org/financial/education/launchoftheoecdinfeglobal	www.oecd.org/financial/education/launchoftheoecdinfeglobal	DET
fsr-3456	554	4	financialliteracysurveyreport.htm	financialliteracysurveyreport.htm	X
fsr-3456	554	5	peach	peach	NOUN
fsr-3456	554	6	,	,	PUNCT
fsr-3456	554	7	n.	n.	PROPN
fsr-3456	554	8	d.	d.	PROPN
fsr-3456	554	9	,	,	PUNCT
fsr-3456	554	10	&	&	CCONJ
fsr-3456	554	11	yuan	yuan	PROPN
fsr-3456	554	12	,	,	PUNCT
fsr-3456	554	13	h.	h.	PROPN
fsr-3456	554	14	(	(	PUNCT
fsr-3456	554	15	2017	2017	NUM
fsr-3456	554	16	)	)	PUNCT
fsr-3456	554	17	.	.	PUNCT
fsr-3456	555	1	assessing	assess	VERB
fsr-3456	555	2	the	the	DET
fsr-3456	555	3	financial	financial	ADJ
fsr-3456	555	4	knowledge	knowledge	NOUN
fsr-3456	555	5	,	,	PUNCT
fsr-3456	555	6	behaviours	behaviour	NOUN
fsr-3456	555	7	,	,	PUNCT
fsr-3456	555	8	and	and	CCONJ
fsr-3456	555	9	attitudes	attitude	NOUN
fsr-3456	555	10	of	of	ADP
fsr-3456	555	11	undergraduates	undergraduate	NOUN
fsr-3456	555	12	.	.	PUNCT
fsr-3456	556	1	e	e	X
fsr-3456	556	2	-	-	NOUN
fsr-3456	556	3	journal	journal	NOUN
fsr-3456	556	4	of	of	ADP
fsr-3456	556	5	business	business	NOUN
fsr-3456	556	6	education	education	NOUN
fsr-3456	556	7	and	and	CCONJ
fsr-3456	556	8	scholarship	scholarship	NOUN
fsr-3456	556	9	teaching	teaching	NOUN
fsr-3456	556	10	,	,	PUNCT
fsr-3456	556	11	11	11	NUM
fsr-3456	556	12	,	,	PUNCT
fsr-3456	556	13	27–38	27–38	NUM
fsr-3456	556	14	.	.	PUNCT
fsr-3456	556	15	available	available	ADJ
fsr-3456	556	16	at	at	ADP
fsr-3456	556	17	https://eric.ed.gov/?id=	https://eric.ed.gov/?id=	PROPN
fsr-3456	556	18	ej1167326	ej1167326	NOUN
fsr-3456	556	19	philippas	philippa	NOUN
fsr-3456	556	20	,	,	PUNCT
fsr-3456	556	21	n.	n.	PROPN
fsr-3456	556	22	d.	d.	PROPN
fsr-3456	556	23	,	,	PUNCT
fsr-3456	556	24	&	&	CCONJ
fsr-3456	556	25	avdoulas	avdoulas	PROPN
fsr-3456	556	26	,	,	PUNCT
fsr-3456	556	27	c.	c.	PROPN
fsr-3456	556	28	(	(	PUNCT
fsr-3456	556	29	2020	2020	NUM
fsr-3456	556	30	)	)	PUNCT
fsr-3456	556	31	.	.	PUNCT
fsr-3456	557	1	financial	financial	ADJ
fsr-3456	557	2	literacy	literacy	NOUN
fsr-3456	557	3	and	and	CCONJ
fsr-3456	557	4	financial	financial	ADJ
fsr-3456	557	5	well	well	NOUN
fsr-3456	557	6	-	-	PUNCT
fsr-3456	557	7	being	being	NOUN
fsr-3456	557	8	among	among	ADP
fsr-3456	557	9	generation	generation	NOUN
fsr-3456	557	10	-	-	PUNCT
fsr-3456	557	11	z	z	NOUN
fsr-3456	557	12	university	university	NOUN
fsr-3456	557	13	students	student	NOUN
fsr-3456	557	14	:	:	PUNCT
fsr-3456	557	15	evidence	evidence	NOUN
fsr-3456	557	16	from	from	ADP
fsr-3456	557	17	greece	greece	PROPN
fsr-3456	557	18	.	.	PUNCT
fsr-3456	558	1	the	the	DET
fsr-3456	558	2	european	european	PROPN
fsr-3456	558	3	journal	journal	PROPN
fsr-3456	558	4	of	of	ADP
fsr-3456	558	5	finance	finance	NOUN
fsr-3456	558	6	,	,	PUNCT
fsr-3456	558	7	26	26	NUM
fsr-3456	558	8	,	,	PUNCT
fsr-3456	558	9	360–381	360–381	NUM
fsr-3456	558	10	.	.	PUNCT
fsr-3456	558	11	richins	richin	NOUN
fsr-3456	558	12	,	,	PUNCT
fsr-3456	558	13	m.	m.	NOUN
fsr-3456	558	14	l.	l.	PROPN
fsr-3456	558	15	(	(	PUNCT
fsr-3456	558	16	2004	2004	NUM
fsr-3456	558	17	)	)	PUNCT
fsr-3456	558	18	.	.	PUNCT
fsr-3456	559	1	the	the	DET
fsr-3456	559	2	material	material	NOUN
fsr-3456	559	3	values	value	NOUN
fsr-3456	559	4	scale	scale	NOUN
fsr-3456	559	5	:	:	PUNCT
fsr-3456	559	6	measurement	measurement	NOUN
fsr-3456	559	7	properties	property	NOUN
fsr-3456	559	8	and	and	CCONJ
fsr-3456	559	9	development	development	NOUN
fsr-3456	559	10	of	of	ADP
fsr-3456	559	11	a	a	DET
fsr-3456	559	12	short	short	ADJ
fsr-3456	559	13	form	form	NOUN
fsr-3456	559	14	.	.	PUNCT
fsr-3456	560	1	journal	journal	NOUN
fsr-3456	560	2	of	of	ADP
fsr-3456	560	3	consumer	consumer	NOUN
fsr-3456	560	4	research	research	NOUN
fsr-3456	560	5	,	,	PUNCT
fsr-3456	560	6	31	31	NUM
fsr-3456	560	7	,	,	PUNCT
fsr-3456	560	8	209–219	209–219	NUM
fsr-3456	560	9	.	.	PUNCT
fsr-3456	560	10	senack	senack	PROPN
fsr-3456	560	11	,	,	PUNCT
fsr-3456	560	12	e.	e.	PROPN
fsr-3456	560	13	(	(	PUNCT
fsr-3456	560	14	2015	2015	NUM
fsr-3456	560	15	)	)	PUNCT
fsr-3456	560	16	.	.	PUNCT
fsr-3456	561	1	open	open	ADJ
fsr-3456	561	2	textbooks	textbook	NOUN
fsr-3456	561	3	:	:	PUNCT
fsr-3456	561	4	the	the	DET
fsr-3456	561	5	billion	billion	NUM
fsr-3456	561	6	dollar	dollar	NOUN
fsr-3456	561	7	solution	solution	NOUN
fsr-3456	561	8	,	,	PUNCT
fsr-3456	561	9	report	report	NOUN
fsr-3456	561	10	from	from	ADP
fsr-3456	561	11	the	the	DET
fsr-3456	561	12	student	student	NOUN
fsr-3456	561	13	public	public	ADJ
fsr-3456	561	14	interest	interest	NOUN
fsr-3456	561	15	research	research	NOUN
fsr-3456	561	16	groups	group	NOUN
fsr-3456	561	17	.	.	PUNCT
fsr-3456	562	1	available	available	ADJ
fsr-3456	562	2	at	at	ADP
fsr-3456	562	3	https://studentpirgs.org/sites/student/files/reports/the%20billion%20dollar%	https://studentpirgs.org/sites/student/files/reports/the%20billion%20dollar%	ADP
fsr-3456	562	4	20solution.pdf	20solution.pdf	NUM
fsr-3456	562	5	spencer	spencer	NOUN
fsr-3456	562	6	,	,	PUNCT
fsr-3456	562	7	n.	n.	NOUN
fsr-3456	562	8	,	,	PUNCT
fsr-3456	562	9	nieboer	nieboer	NOUN
fsr-3456	562	10	,	,	PUNCT
fsr-3456	562	11	j.	j.	PROPN
fsr-3456	562	12	,	,	PUNCT
fsr-3456	562	13	&	&	CCONJ
fsr-3456	562	14	elliott	elliott	PROPN
fsr-3456	562	15	,	,	PUNCT
fsr-3456	562	16	a.	a.	PROPN
fsr-3456	562	17	(	(	PUNCT
fsr-3456	562	18	2015).wired	2015).wire	VERB
fsr-3456	562	19	for	for	ADP
fsr-3456	562	20	imprudence	imprudence	NOUN
fsr-3456	562	21	.	.	PUNCT
fsr-3456	563	1	london	london	PROPN
fsr-3456	563	2	:	:	PUNCT
fsr-3456	563	3	rsa	rsa	PROPN
fsr-3456	563	4	.	.	PROPN
fsr-3456	563	5	stango	stango	PROPN
fsr-3456	563	6	,	,	PUNCT
fsr-3456	563	7	v.	v.	PROPN
fsr-3456	563	8	,	,	PUNCT
fsr-3456	563	9	&	&	CCONJ
fsr-3456	563	10	zinman	zinman	PROPN
fsr-3456	563	11	,	,	PUNCT
fsr-3456	563	12	j.	j.	PROPN
fsr-3456	563	13	(	(	PUNCT
fsr-3456	563	14	2007	2007	NUM
fsr-3456	563	15	)	)	PUNCT
fsr-3456	563	16	.	.	PUNCT
fsr-3456	564	1	fuzzy	fuzzy	ADJ
fsr-3456	564	2	math	math	NOUN
fsr-3456	564	3	and	and	CCONJ
fsr-3456	564	4	red	red	ADJ
fsr-3456	564	5	ink	ink	NOUN
fsr-3456	564	6	:	:	PUNCT
fsr-3456	564	7	when	when	SCONJ
fsr-3456	564	8	the	the	DET
fsr-3456	564	9	opportunity	opportunity	NOUN
fsr-3456	564	10	cost	cost	NOUN
fsr-3456	564	11	of	of	ADP
fsr-3456	564	12	consumption	consumption	NOUN
fsr-3456	564	13	is	be	AUX
fsr-3456	564	14	not	not	PART
fsr-3456	564	15	what	what	PRON
fsr-3456	564	16	it	it	PRON
fsr-3456	564	17	seems.mimeo	seems.mimeo	VERB
fsr-3456	564	18	:	:	PUNCT
fsr-3456	564	19	dartmouth	dartmouth	PROPN
fsr-3456	564	20	college	college	PROPN
fsr-3456	564	21	.	.	PUNCT
fsr-3456	565	1	stewart	stewart	PROPN
fsr-3456	565	2	,	,	PUNCT
fsr-3456	565	3	a.	a.	PROPN
fsr-3456	565	4	,	,	PUNCT
fsr-3456	565	5	&	&	CCONJ
fsr-3456	565	6	stanford	stanford	PROPN
fsr-3456	565	7	,	,	PUNCT
fsr-3456	565	8	j.	j.	PROPN
fsr-3456	565	9	(	(	PUNCT
fsr-3456	565	10	2017	2017	NUM
fsr-3456	565	11	)	)	PUNCT
fsr-3456	565	12	.	.	PUNCT
fsr-3456	566	1	regulating	regulate	VERB
fsr-3456	566	2	work	work	NOUN
fsr-3456	566	3	in	in	ADP
fsr-3456	566	4	the	the	DET
fsr-3456	566	5	gig	gig	NOUN
fsr-3456	566	6	economy	economy	NOUN
fsr-3456	566	7	:	:	PUNCT
fsr-3456	566	8	what	what	PRON
fsr-3456	566	9	are	be	AUX
fsr-3456	566	10	the	the	DET
fsr-3456	566	11	options	option	NOUN
fsr-3456	566	12	?	?	PUNCT
fsr-3456	567	1	the	the	DET
fsr-3456	567	2	economic	economic	ADJ
fsr-3456	567	3	and	and	CCONJ
fsr-3456	567	4	labour	labour	PROPN
fsr-3456	567	5	relations	relation	NOUN
fsr-3456	567	6	review	review	PROPN
fsr-3456	567	7	,	,	PUNCT
fsr-3456	567	8	28	28	NUM
fsr-3456	567	9	,	,	PUNCT
fsr-3456	567	10	420–437	420–437	NUM
fsr-3456	567	11	.	.	PUNCT
fsr-3456	568	1	206	206	NUM
fsr-3456	568	2	t.	t.	PROPN
fsr-3456	568	3	west	west	PROPN
fsr-3456	568	4	et	et	PROPN
fsr-3456	568	5	al	al	PROPN
fsr-3456	568	6	.	.	PUNCT
fsr-3456	568	7	/	/	SYM
fsr-3456	568	8	financial	financial	ADJ
fsr-3456	568	9	services	service	NOUN
fsr-3456	568	10	review	review	VERB
fsr-3456	568	11	29	29	NUM
fsr-3456	568	12	(	(	PUNCT
fsr-3456	568	13	2021	2021	NUM
fsr-3456	568	14	)	)	PUNCT
fsr-3456	568	15	187–207	187–207	NUM
fsr-3456	568	16	summerville	summerville	PROPN
fsr-3456	568	17	,	,	PUNCT
fsr-3456	568	18	a.	a.	PROPN
fsr-3456	568	19	,	,	PUNCT
fsr-3456	568	20	&	&	CCONJ
fsr-3456	568	21	roese	roese	PROPN
fsr-3456	568	22	,	,	PUNCT
fsr-3456	568	23	n.	n.	PROPN
fsr-3456	568	24	j.	j.	PROPN
fsr-3456	568	25	(	(	PUNCT
fsr-3456	568	26	2008	2008	NUM
fsr-3456	568	27	)	)	PUNCT
fsr-3456	568	28	.	.	PUNCT
fsr-3456	569	1	dare	dare	VERB
fsr-3456	569	2	to	to	PART
fsr-3456	569	3	compare	compare	VERB
fsr-3456	569	4	:	:	PUNCT
fsr-3456	569	5	fact	fact	NOUN
fsr-3456	569	6	-	-	PUNCT
fsr-3456	569	7	based	base	VERB
fsr-3456	569	8	versus	versus	ADP
fsr-3456	569	9	simulation	simulation	NOUN
fsr-3456	569	10	-	-	PUNCT
fsr-3456	569	11	based	base	VERB
fsr-3456	569	12	comparison	comparison	NOUN
fsr-3456	569	13	in	in	ADP
fsr-3456	569	14	daily	daily	ADJ
fsr-3456	569	15	life	life	NOUN
fsr-3456	569	16	.	.	PUNCT
fsr-3456	570	1	journal	journal	NOUN
fsr-3456	570	2	of	of	ADP
fsr-3456	570	3	experimental	experimental	ADJ
fsr-3456	570	4	social	social	ADJ
fsr-3456	570	5	psychology	psychology	NOUN
fsr-3456	570	6	,	,	PUNCT
fsr-3456	570	7	44	44	NUM
fsr-3456	570	8	,	,	PUNCT
fsr-3456	570	9	664–671	664–671	NUM
fsr-3456	570	10	.	.	PUNCT
fsr-3456	571	1	tharp	tharp	PROPN
fsr-3456	571	2	,	,	PUNCT
fsr-3456	571	3	d.	d.	PROPN
fsr-3456	571	4	t.	t.	PROPN
fsr-3456	571	5	,	,	PUNCT
fsr-3456	571	6	seay	seay	PROPN
fsr-3456	571	7	,	,	PUNCT
fsr-3456	571	8	m.	m.	PROPN
fsr-3456	571	9	c.	c.	PROPN
fsr-3456	571	10	,	,	PUNCT
fsr-3456	571	11	carswell	carswell	PROPN
fsr-3456	571	12	,	,	PUNCT
fsr-3456	571	13	a.	a.	NOUN
fsr-3456	571	14	t.	t.	PROPN
fsr-3456	571	15	,	,	PUNCT
fsr-3456	571	16	&	&	CCONJ
fsr-3456	571	17	macdonald	macdonald	PROPN
fsr-3456	571	18	,	,	PUNCT
fsr-3456	571	19	m.	m.	NOUN
fsr-3456	571	20	(	(	PUNCT
fsr-3456	571	21	2020	2020	NUM
fsr-3456	571	22	)	)	PUNCT
fsr-3456	571	23	.	.	PUNCT
fsr-3456	572	1	big	big	ADJ
fsr-3456	572	2	five	five	NUM
fsr-3456	572	3	personality	personality	NOUN
fsr-3456	572	4	traits	trait	NOUN
fsr-3456	572	5	,	,	PUNCT
fsr-3456	572	6	dispositional	dispositional	ADJ
fsr-3456	572	7	affect	affect	NOUN
fsr-3456	572	8	,	,	PUNCT
fsr-3456	572	9	and	and	CCONJ
fsr-3456	572	10	financial	financial	ADJ
fsr-3456	572	11	satisfaction	satisfaction	NOUN
fsr-3456	572	12	among	among	ADP
fsr-3456	572	13	older	old	ADJ
fsr-3456	572	14	adults	adult	NOUN
fsr-3456	572	15	.	.	PUNCT
fsr-3456	573	1	personality	personality	NOUN
fsr-3456	573	2	and	and	CCONJ
fsr-3456	573	3	individual	individual	ADJ
fsr-3456	573	4	differences	difference	NOUN
fsr-3456	573	5	,	,	PUNCT
fsr-3456	573	6	166	166	NUM
fsr-3456	573	7	,	,	PUNCT
fsr-3456	573	8	110211	110211	NUM
fsr-3456	573	9	–	–	PUNCT
fsr-3456	573	10	110213	110213	NUM
fsr-3456	573	11	.	.	PUNCT
fsr-3456	574	1	timmerman	timmerman	PROPN
fsr-3456	574	2	,	,	PUNCT
fsr-3456	574	3	i.	i.	PROPN
fsr-3456	574	4	,	,	PUNCT
fsr-3456	574	5	&	&	CCONJ
fsr-3456	574	6	volkov	volkov	PROPN
fsr-3456	574	7	,	,	PUNCT
fsr-3456	574	8	n.	n.	NOUN
fsr-3456	574	9	(	(	PUNCT
fsr-3456	574	10	2019	2019	NUM
fsr-3456	574	11	)	)	PUNCT
fsr-3456	574	12	.	.	PUNCT
fsr-3456	575	1	career	career	NOUN
fsr-3456	575	2	and	and	CCONJ
fsr-3456	575	3	education	education	NOUN
fsr-3456	575	4	choice	choice	NOUN
fsr-3456	575	5	as	as	ADP
fsr-3456	575	6	central	central	ADJ
fsr-3456	575	7	elements	element	NOUN
fsr-3456	575	8	of	of	ADP
fsr-3456	575	9	long	long	ADJ
fsr-3456	575	10	-	-	PUNCT
fsr-3456	575	11	term	term	NOUN
fsr-3456	575	12	financial	financial	ADJ
fsr-3456	575	13	planning	planning	NOUN
fsr-3456	575	14	.	.	PUNCT
fsr-3456	576	1	paper	paper	NOUN
fsr-3456	576	2	presented	present	VERB
fsr-3456	576	3	at	at	ADP
fsr-3456	576	4	academy	academy	NOUN
fsr-3456	576	5	of	of	ADP
fsr-3456	576	6	financial	financial	ADJ
fsr-3456	576	7	services	service	NOUN
fsr-3456	576	8	2019	2019	NUM
fsr-3456	576	9	annual	annual	ADJ
fsr-3456	576	10	meeting	meeting	NOUN
fsr-3456	576	11	,	,	PUNCT
fsr-3456	576	12	minneapolis	minneapolis	PROPN
fsr-3456	576	13	,	,	PUNCT
fsr-3456	576	14	mn	mn	PROPN
fsr-3456	576	15	,	,	PUNCT
fsr-3456	576	16	united	united	PROPN
fsr-3456	576	17	states	states	PROPN
fsr-3456	576	18	,	,	PUNCT
fsr-3456	576	19	october	october	PROPN
fsr-3456	576	20	2019	2019	NUM
fsr-3456	576	21	.	.	PUNCT
fsr-3456	577	1	van	van	PROPN
fsr-3456	577	2	rooij	rooij	NOUN
fsr-3456	577	3	,	,	PUNCT
fsr-3456	577	4	m.	m.	NOUN
fsr-3456	577	5	,	,	PUNCT
fsr-3456	577	6	lusardi	lusardi	PROPN
fsr-3456	577	7	,	,	PUNCT
fsr-3456	577	8	a.	a.	NOUN
fsr-3456	577	9	,	,	PUNCT
fsr-3456	577	10	&	&	CCONJ
fsr-3456	577	11	alessie	alessie	PROPN
fsr-3456	577	12	,	,	PUNCT
fsr-3456	577	13	r.	r.	PROPN
fsr-3456	577	14	(	(	PUNCT
fsr-3456	577	15	2007	2007	NUM
fsr-3456	577	16	)	)	PUNCT
fsr-3456	577	17	.	.	PUNCT
fsr-3456	578	1	financial	financial	ADJ
fsr-3456	578	2	literacy	literacy	NOUN
fsr-3456	578	3	and	and	CCONJ
fsr-3456	578	4	stock	stock	NOUN
fsr-3456	578	5	market	market	NOUN
fsr-3456	578	6	participation	participation	NOUN
fsr-3456	578	7	.	.	PUNCT
fsr-3456	579	1	nber	nber	PROPN
fsr-3456	579	2	working	working	PROPN
fsr-3456	579	3	paper	paper	PROPN
fsr-3456	579	4	13565	13565	NUM
fsr-3456	579	5	.	.	PUNCT
fsr-3456	580	1	national	national	PROPN
fsr-3456	580	2	bureau	bureau	PROPN
fsr-3456	580	3	of	of	ADP
fsr-3456	580	4	economic	economic	ADJ
fsr-3456	580	5	research	research	NOUN
fsr-3456	580	6	.	.	PUNCT
fsr-3456	581	1	available	available	ADJ
fsr-3456	581	2	at	at	ADP
fsr-3456	581	3	http://www.nber.org/papers/	http://www.nber.org/papers/	X
fsr-3456	581	4	w13565	w13565	PROPN
fsr-3456	581	5	vaitilingam	vaitilingam	NOUN
fsr-3456	581	6	,	,	PUNCT
fsr-3456	581	7	r.	r.	PROPN
fsr-3456	581	8	(	(	PUNCT
fsr-3456	581	9	2016	2016	NUM
fsr-3456	581	10	)	)	PUNCT
fsr-3456	581	11	.	.	PUNCT
fsr-3456	582	1	improving	improve	VERB
fsr-3456	582	2	people	people	NOUN
fsr-3456	582	3	’s	’s	PART
fsr-3456	582	4	financial	financial	ADJ
fsr-3456	582	5	decision	decision	NOUN
fsr-3456	582	6	making	making	NOUN
fsr-3456	582	7	.	.	PUNCT
fsr-3456	583	1	voxeu	voxeu	PROPN
fsr-3456	583	2	centre	centre	NOUN
fsr-3456	583	3	for	for	ADP
fsr-3456	583	4	economic	economic	ADJ
fsr-3456	583	5	policy	policy	NOUN
fsr-3456	583	6	research	research	NOUN
fsr-3456	583	7	.	.	PUNCT
fsr-3456	584	1	available	available	ADJ
fsr-3456	584	2	at	at	ADP
fsr-3456	584	3	https://voxeu.org/article/improving-people-s-financial-decision-making	https://voxeu.org/article/improving-people-s-financial-decision-make	VERB
fsr-3456	584	4	west	west	NOUN
fsr-3456	584	5	,	,	PUNCT
fsr-3456	584	6	t.	t.	PROPN
fsr-3456	584	7	(	(	PUNCT
fsr-3456	584	8	2020	2020	NUM
fsr-3456	584	9	)	)	PUNCT
fsr-3456	584	10	.	.	PUNCT
fsr-3456	585	1	women	woman	NOUN
fsr-3456	585	2	pay	pay	VERB
fsr-3456	585	3	their	their	PRON
fsr-3456	585	4	way	way	NOUN
fsr-3456	585	5	on	on	ADP
fsr-3456	585	6	income	income	NOUN
fsr-3456	585	7	contingent	contingent	NOUN
fsr-3456	585	8	student	student	NOUN
fsr-3456	585	9	debt	debt	NOUN
fsr-3456	585	10	.	.	PUNCT
fsr-3456	586	1	policy	policy	NOUN
fsr-3456	586	2	futures	future	NOUN
fsr-3456	586	3	in	in	ADP
fsr-3456	586	4	education	education	NOUN
fsr-3456	586	5	,	,	PUNCT
fsr-3456	586	6	18	18	NUM
fsr-3456	586	7	,	,	PUNCT
fsr-3456	586	8	937–956	937–956	NUM
fsr-3456	586	9	.	.	PUNCT
fsr-3456	587	1	west	west	PROPN
fsr-3456	587	2	,	,	PUNCT
fsr-3456	587	3	t.	t.	PROPN
fsr-3456	587	4	,	,	PUNCT
fsr-3456	587	5	&	&	CCONJ
fsr-3456	587	6	worthington	worthington	PROPN
fsr-3456	587	7	,	,	PUNCT
fsr-3456	587	8	a.	a.	PROPN
fsr-3456	587	9	c.	c.	PROPN
fsr-3456	587	10	(	(	PUNCT
fsr-3456	587	11	2014	2014	NUM
fsr-3456	587	12	)	)	PUNCT
fsr-3456	587	13	.	.	PUNCT
fsr-3456	588	1	macroeconomic	macroeconomic	ADJ
fsr-3456	588	2	conditions	condition	NOUN
fsr-3456	588	3	and	and	CCONJ
fsr-3456	588	4	australian	australian	ADJ
fsr-3456	588	5	financial	financial	ADJ
fsr-3456	588	6	risk	risk	NOUN
fsr-3456	588	7	attitudes	attitude	NOUN
fsr-3456	588	8	,	,	PUNCT
fsr-3456	588	9	2001	2001	NUM
fsr-3456	588	10	–	–	PUNCT
fsr-3456	588	11	2010	2010	NUM
fsr-3456	588	12	.	.	PUNCT
fsr-3456	589	1	journal	journal	PROPN
fsr-3456	589	2	of	of	ADP
fsr-3456	589	3	family	family	NOUN
fsr-3456	589	4	and	and	CCONJ
fsr-3456	589	5	economic	economic	ADJ
fsr-3456	589	6	issues	issue	NOUN
fsr-3456	589	7	,	,	PUNCT
fsr-3456	589	8	35	35	NUM
fsr-3456	589	9	,	,	PUNCT
fsr-3456	589	10	263–277	263–277	NUM
fsr-3456	589	11	.	.	PUNCT
fsr-3456	590	1	west	west	PROPN
fsr-3456	590	2	,	,	PUNCT
fsr-3456	590	3	t.	t.	PROPN
fsr-3456	590	4	,	,	PUNCT
fsr-3456	590	5	&	&	CCONJ
fsr-3456	590	6	worthington	worthington	PROPN
fsr-3456	590	7	,	,	PUNCT
fsr-3456	590	8	a.	a.	PROPN
fsr-3456	590	9	c.	c.	PROPN
fsr-3456	590	10	(	(	PUNCT
fsr-3456	590	11	2018	2018	NUM
fsr-3456	590	12	)	)	PUNCT
fsr-3456	590	13	.	.	PUNCT
fsr-3456	591	1	synthesizing	synthesize	VERB
fsr-3456	591	2	an	an	DET
fsr-3456	591	3	index	index	NOUN
fsr-3456	591	4	of	of	ADP
fsr-3456	591	5	financial	financial	ADJ
fsr-3456	591	6	literacy	literacy	NOUN
fsr-3456	591	7	using	use	VERB
fsr-3456	591	8	not	not	PART
fsr-3456	591	9	-	-	PUNCT
fsr-3456	591	10	for	for	ADP
fsr-3456	591	11	-	-	PUNCT
fsr-3456	591	12	purpose	purpose	NOUN
fsr-3456	591	13	survey	survey	NOUN
fsr-3456	591	14	data	datum	NOUN
fsr-3456	591	15	.	.	PUNCT
fsr-3456	592	1	economic	economic	ADJ
fsr-3456	592	2	notes	note	NOUN
fsr-3456	592	3	,	,	PUNCT
fsr-3456	592	4	47	47	NUM
fsr-3456	592	5	,	,	PUNCT
fsr-3456	592	6	331–352	331–352	NUM
fsr-3456	592	7	.	.	PUNCT
fsr-3456	593	1	wilkins	wilkins	PROPN
fsr-3456	593	2	,	,	PUNCT
fsr-3456	593	3	r.	r.	PROPN
fsr-3456	593	4	(	(	PUNCT
fsr-3456	593	5	2018	2018	NUM
fsr-3456	593	6	)	)	PUNCT
fsr-3456	593	7	.	.	PUNCT
fsr-3456	594	1	financial	financial	ADJ
fsr-3456	594	2	literacy	literacy	NOUN
fsr-3456	594	3	and	and	CCONJ
fsr-3456	594	4	attitudes	attitude	NOUN
fsr-3456	594	5	to	to	ADP
fsr-3456	594	6	finances	finance	NOUN
fsr-3456	594	7	.	.	PUNCT
fsr-3456	595	1	the	the	DET
fsr-3456	595	2	household	household	NOUN
fsr-3456	595	3	,	,	PUNCT
fsr-3456	595	4	income	income	NOUN
fsr-3456	595	5	and	and	CCONJ
fsr-3456	595	6	labour	labour	NOUN
fsr-3456	595	7	dynamics	dynamic	NOUN
fsr-3456	595	8	in	in	ADP
fsr-3456	595	9	australia	australia	PROPN
fsr-3456	595	10	survey	survey	NOUN
fsr-3456	595	11	:	:	PUNCT
fsr-3456	595	12	selected	select	VERB
fsr-3456	595	13	findings	finding	NOUN
fsr-3456	595	14	from	from	ADP
fsr-3456	595	15	waves	wave	NOUN
fsr-3456	595	16	1	1	NUM
fsr-3456	595	17	to	to	ADP
fsr-3456	595	18	16	16	NUM
fsr-3456	595	19	(	(	PUNCT
fsr-3456	595	20	pp	pp	ADJ
fsr-3456	595	21	.	.	PUNCT
fsr-3456	596	1	117–126	117–126	NUM
fsr-3456	596	2	)	)	PUNCT
fsr-3456	596	3	.	.	PUNCT
fsr-3456	597	1	victoria	victoria	PROPN
fsr-3456	597	2	,	,	PUNCT
fsr-3456	597	3	australia	australia	PROPN
fsr-3456	597	4	:	:	PUNCT
fsr-3456	597	5	melbourne	melbourne	PROPN
fsr-3456	597	6	institute	institute	PROPN
fsr-3456	597	7	:	:	PUNCT
fsr-3456	597	8	applied	apply	VERB
fsr-3456	597	9	economic	economic	ADJ
fsr-3456	597	10	&	&	CCONJ
fsr-3456	597	11	social	social	ADJ
fsr-3456	597	12	research	research	NOUN
fsr-3456	597	13	,	,	PUNCT
fsr-3456	597	14	university	university	NOUN
fsr-3456	597	15	of	of	ADP
fsr-3456	597	16	melbourne	melbourne	PROPN
fsr-3456	597	17	.	.	PUNCT
fsr-3456	598	1	available	available	ADJ
fsr-3456	598	2	at	at	ADP
fsr-3456	598	3	https://	https://	PROPN
fsr-3456	598	4	melbourneinstitute.unimelb.edu.au/__data/assets/pdf_file/0005/2839919/2018-hilda-sr-for-web.pdf	melbourneinstitute.unimelb.edu.au/__data/assets/pdf_file/0005/2839919/2018-hilda-sr-for-web.pdf	PROPN
fsr-3456	598	5	williams	williams	PROPN
fsr-3456	598	6	,	,	PUNCT
fsr-3456	598	7	a.	a.	PROPN
fsr-3456	598	8	,	,	PUNCT
fsr-3456	598	9	&	&	CCONJ
fsr-3456	598	10	oumlil	oumlil	PROPN
fsr-3456	598	11	,	,	PUNCT
fsr-3456	598	12	b.	b.	PROPN
fsr-3456	598	13	(	(	PUNCT
fsr-3456	598	14	2015	2015	NUM
fsr-3456	598	15	)	)	PUNCT
fsr-3456	598	16	.	.	PUNCT
fsr-3456	599	1	college	college	NOUN
fsr-3456	599	2	student	student	NOUN
fsr-3456	599	3	financial	financial	ADJ
fsr-3456	599	4	capability	capability	NOUN
fsr-3456	599	5	.	.	PUNCT
fsr-3456	600	1	international	international	ADJ
fsr-3456	600	2	journal	journal	PROPN
fsr-3456	600	3	of	of	ADP
fsr-3456	600	4	bank	bank	PROPN
fsr-3456	600	5	marketing	marketing	NOUN
fsr-3456	600	6	,	,	PUNCT
fsr-3456	600	7	33	33	NUM
fsr-3456	600	8	,	,	PUNCT
fsr-3456	600	9	637–653	637–653	NUM
fsr-3456	600	10	.	.	PUNCT
fsr-3456	600	11	worthy	worthy	ADJ
fsr-3456	600	12	,	,	PUNCT
fsr-3456	600	13	s.	s.	PROPN
fsr-3456	600	14	l.	l.	PROPN
fsr-3456	600	15	,	,	PUNCT
fsr-3456	600	16	jonkman	jonkman	NOUN
fsr-3456	600	17	,	,	PUNCT
fsr-3456	600	18	j.	j.	PROPN
fsr-3456	600	19	,	,	PUNCT
fsr-3456	600	20	&	&	CCONJ
fsr-3456	600	21	blinn	blinn	PROPN
fsr-3456	600	22	-	-	PUNCT
fsr-3456	600	23	pike	pike	NOUN
fsr-3456	600	24	,	,	PUNCT
fsr-3456	600	25	l.	l.	PROPN
fsr-3456	600	26	(	(	PUNCT
fsr-3456	600	27	2010	2010	NUM
fsr-3456	600	28	)	)	PUNCT
fsr-3456	600	29	.	.	PUNCT
fsr-3456	601	1	sensation	sensation	NOUN
fsr-3456	601	2	-	-	PUNCT
fsr-3456	601	3	seeking	seeking	NOUN
fsr-3456	601	4	,	,	PUNCT
fsr-3456	601	5	risk	risk	NOUN
fsr-3456	601	6	-	-	PUNCT
fsr-3456	601	7	taking	taking	NOUN
fsr-3456	601	8	,	,	PUNCT
fsr-3456	601	9	and	and	CCONJ
fsr-3456	601	10	problematic	problematic	ADJ
fsr-3456	601	11	financial	financial	ADJ
fsr-3456	601	12	behaviours	behaviour	NOUN
fsr-3456	601	13	of	of	ADP
fsr-3456	601	14	college	college	NOUN
fsr-3456	601	15	students	student	NOUN
fsr-3456	601	16	.	.	PUNCT
fsr-3456	602	1	journal	journal	PROPN
fsr-3456	602	2	of	of	ADP
fsr-3456	602	3	family	family	NOUN
fsr-3456	602	4	and	and	CCONJ
fsr-3456	602	5	economic	economic	ADJ
fsr-3456	602	6	issues	issue	NOUN
fsr-3456	602	7	,	,	PUNCT
fsr-3456	602	8	31	31	NUM
fsr-3456	602	9	,	,	PUNCT
fsr-3456	602	10	161–170	161–170	NUM
fsr-3456	602	11	.	.	PUNCT
fsr-3456	603	1	yu	yu	PROPN
fsr-3456	603	2	,	,	PUNCT
fsr-3456	603	3	s.	s.	PROPN
fsr-3456	603	4	,	,	PUNCT
fsr-3456	603	5	alper	alper	PROPN
fsr-3456	603	6	,	,	PUNCT
fsr-3456	603	7	h.	h.	PROPN
fsr-3456	603	8	e.	e.	PROPN
fsr-3456	603	9	,	,	PUNCT
fsr-3456	603	10	nguyen	nguyen	PROPN
fsr-3456	603	11	,	,	PUNCT
fsr-3456	603	12	a.	a.	NOUN
fsr-3456	603	13	,	,	PUNCT
fsr-3456	603	14	brackbill	brackbill	PROPN
fsr-3456	603	15	,	,	PUNCT
fsr-3456	603	16	r.	r.	PROPN
fsr-3456	603	17	m.	m.	PROPN
fsr-3456	603	18	,	,	PUNCT
fsr-3456	603	19	turner	turner	PROPN
fsr-3456	603	20	,	,	PUNCT
fsr-3456	603	21	l.	l.	PROPN
fsr-3456	603	22	,	,	PUNCT
fsr-3456	603	23	walker	walker	PROPN
fsr-3456	603	24	,	,	PUNCT
fsr-3456	603	25	d.	d.	PROPN
fsr-3456	603	26	j.	j.	PROPN
fsr-3456	603	27	,	,	PUNCT
fsr-3456	603	28	maslow	maslow	PROPN
fsr-3456	603	29	,	,	PUNCT
fsr-3456	603	30	c.	c.	PROPN
fsr-3456	603	31	b.	b.	PROPN
fsr-3456	603	32	,	,	PUNCT
fsr-3456	603	33	&	&	CCONJ
fsr-3456	603	34	zweig	zweig	PROPN
fsr-3456	603	35	,	,	PUNCT
fsr-3456	603	36	k.	k.	PROPN
fsr-3456	603	37	c.	c.	PROPN
fsr-3456	603	38	(	(	PUNCT
fsr-3456	603	39	2017	2017	NUM
fsr-3456	603	40	)	)	PUNCT
fsr-3456	603	41	.	.	PUNCT
fsr-3456	604	1	the	the	DET
fsr-3456	604	2	effectiveness	effectiveness	NOUN
fsr-3456	604	3	of	of	ADP
fsr-3456	604	4	a	a	DET
fsr-3456	604	5	monetary	monetary	ADJ
fsr-3456	604	6	incentive	incentive	NOUN
fsr-3456	604	7	on	on	ADP
fsr-3456	604	8	survey	survey	NOUN
fsr-3456	604	9	offer	offer	VERB
fsr-3456	604	10	response	response	NOUN
fsr-3456	604	11	rates	rate	NOUN
fsr-3456	604	12	and	and	CCONJ
fsr-3456	604	13	response	response	NOUN
fsr-3456	604	14	completeness	completeness	NOUN
fsr-3456	604	15	in	in	ADP
fsr-3456	604	16	a	a	DET
fsr-3456	604	17	longitudinal	longitudinal	ADJ
fsr-3456	604	18	study	study	NOUN
fsr-3456	604	19	.	.	PUNCT
fsr-3456	605	1	bmc	bmc	PROPN
fsr-3456	605	2	medical	medical	ADJ
fsr-3456	605	3	research	research	NOUN
fsr-3456	605	4	methodology	methodology	NOUN
fsr-3456	605	5	,	,	PUNCT
fsr-3456	605	6	17	17	NUM
fsr-3456	605	7	,	,	PUNCT
fsr-3456	605	8	77–86	77–86	NUM
fsr-3456	605	9	.	.	PUNCT
fsr-3456	606	1	t.	t.	PROPN
fsr-3456	606	2	west	west	PROPN
fsr-3456	606	3	et	et	PROPN
fsr-3456	606	4	al	al	PROPN
fsr-3456	606	5	.	.	PUNCT
fsr-3456	606	6	/	/	SYM
fsr-3456	606	7	financial	financial	ADJ
fsr-3456	606	8	services	service	NOUN
fsr-3456	606	9	review	review	VERB
fsr-3456	606	10	29	29	NUM
fsr-3456	606	11	(	(	PUNCT
fsr-3456	606	12	2021	2021	NUM
fsr-3456	606	13	)	)	PUNCT
fsr-3456	606	14	187–207	187–207	NUM
fsr-3456	606	15	207	207	NUM