id	sid	tid	token	lemma	pos
fsr-3457	1	1	the	the	DET
fsr-3457	1	2	effect	effect	NOUN
fsr-3457	1	3	of	of	ADP
fsr-3457	1	4	risk	risk	NOUN
fsr-3457	1	5	literacy	literacy	NOUN
fsr-3457	1	6	and	and	CCONJ
fsr-3457	1	7	visual	visual	ADJ
fsr-3457	1	8	aids	aid	NOUN
fsr-3457	1	9	on	on	ADP
fsr-3457	1	10	portfolio	portfolio	NOUN
fsr-3457	1	11	choices	choice	NOUN
fsr-3457	1	12	among	among	ADP
fsr-3457	1	13	professional	professional	ADJ
fsr-3457	1	14	financial	financial	ADJ
fsr-3457	1	15	planners	planner	NOUN
fsr-3457	1	16	meghaan	meghaan	PROPN
fsr-3457	1	17	r.	r.	PROPN
fsr-3457	1	18	lurtz1	lurtz1	PROPN
fsr-3457	1	19	,	,	PUNCT
fsr-3457	1	20	michael	michael	PROPN
fsr-3457	1	21	g.	g.	PROPN
fsr-3457	1	22	kothakota1	kothakota1	PROPN
fsr-3457	1	23	,	,	PUNCT
fsr-3457	1	24	*	*	PROPN
fsr-3457	1	25	,	,	PUNCT
fsr-3457	1	26	stuart	stuart	PROPN
fsr-3457	1	27	j.	j.	PROPN
fsr-3457	1	28	heckman1	heckman1	PROPN
fsr-3457	1	29	,	,	PUNCT
fsr-3457	1	30	kristy	kristy	PROPN
fsr-3457	1	31	archuleta2	archuleta2	PROPN
fsr-3457	2	1	1department	1department	NUM
fsr-3457	2	2	of	of	ADP
fsr-3457	2	3	personal	personal	ADJ
fsr-3457	2	4	financial	financial	ADJ
fsr-3457	2	5	planning	planning	NOUN
fsr-3457	2	6	,	,	PUNCT
fsr-3457	2	7	kansas	kansas	PROPN
fsr-3457	2	8	state	state	PROPN
fsr-3457	2	9	university	university	PROPN
fsr-3457	2	10	,	,	PUNCT
fsr-3457	2	11	312	312	NUM
fsr-3457	2	12	justin	justin	PROPN
fsr-3457	2	13	hall	hall	PROPN
fsr-3457	2	14	,	,	PUNCT
fsr-3457	2	15	1324	1324	NUM
fsr-3457	2	16	lovers	lover	NOUN
fsr-3457	2	17	lane	lane	NOUN
fsr-3457	2	18	,	,	PUNCT
fsr-3457	2	19	manhattan	manhattan	PROPN
fsr-3457	2	20	,	,	PUNCT
fsr-3457	2	21	ks	ks	PROPN
fsr-3457	2	22	66505	66505	NUM
fsr-3457	2	23	,	,	PUNCT
fsr-3457	2	24	usa	usa	PROPN
fsr-3457	2	25	2department	2department	NUM
fsr-3457	2	26	of	of	ADP
fsr-3457	2	27	financial	financial	ADJ
fsr-3457	2	28	planning	planning	NOUN
fsr-3457	2	29	,	,	PUNCT
fsr-3457	2	30	housing	housing	NOUN
fsr-3457	2	31	&	&	CCONJ
fsr-3457	2	32	consumer	consumer	NOUN
fsr-3457	2	33	economics	economic	NOUN
fsr-3457	2	34	,	,	PUNCT
fsr-3457	2	35	university	university	NOUN
fsr-3457	2	36	of	of	ADP
fsr-3457	2	37	georgia	georgia	PROPN
fsr-3457	2	38	,	,	PUNCT
fsr-3457	2	39	205	205	NUM
fsr-3457	2	40	dawson	dawson	PROPN
fsr-3457	2	41	hall	hall	PROPN
fsr-3457	2	42	,	,	PUNCT
fsr-3457	2	43	athens	athens	PROPN
fsr-3457	2	44	,	,	PUNCT
fsr-3457	2	45	ga	ga	PROPN
fsr-3457	2	46	30605	30605	NUM
fsr-3457	2	47	,	,	PUNCT
fsr-3457	2	48	usa	usa	PROPN
fsr-3457	2	49	abstract	abstract	ADJ
fsr-3457	2	50	financial	financial	ADJ
fsr-3457	2	51	planners	planner	NOUN
fsr-3457	2	52	and	and	CCONJ
fsr-3457	2	53	their	their	PRON
fsr-3457	2	54	clients	client	NOUN
fsr-3457	2	55	come	come	VERB
fsr-3457	2	56	together	together	ADV
fsr-3457	2	57	regularly	regularly	ADV
fsr-3457	2	58	to	to	PART
fsr-3457	2	59	discuss	discuss	VERB
fsr-3457	2	60	financial	financial	ADJ
fsr-3457	2	61	decisions	decision	NOUN
fsr-3457	2	62	,	,	PUNCT
fsr-3457	2	63	which	which	PRON
fsr-3457	2	64	are	be	AUX
fsr-3457	2	65	inherently	inherently	ADV
fsr-3457	2	66	risky	risky	ADJ
fsr-3457	2	67	.	.	PUNCT
fsr-3457	3	1	yet	yet	ADV
fsr-3457	3	2	,	,	PUNCT
fsr-3457	3	3	financial	financial	ADJ
fsr-3457	3	4	planning	planning	NOUN
fsr-3457	3	5	research	research	NOUN
fsr-3457	3	6	has	have	AUX
fsr-3457	3	7	not	not	PART
fsr-3457	3	8	explored	explore	VERB
fsr-3457	3	9	the	the	DET
fsr-3457	3	10	impact	impact	NOUN
fsr-3457	3	11	of	of	ADP
fsr-3457	3	12	risk	risk	NOUN
fsr-3457	3	13	literacy	literacy	NOUN
fsr-3457	3	14	(	(	PUNCT
fsr-3457	3	15	i.e.	i.e.	X
fsr-3457	3	16	,	,	PUNCT
fsr-3457	3	17	objective	objective	ADJ
fsr-3457	3	18	numeracy)—the	numeracy)—the	DET
fsr-3457	3	19	ability	ability	NOUN
fsr-3457	3	20	to	to	PART
fsr-3457	3	21	understand	understand	VERB
fsr-3457	3	22	and	and	CCONJ
fsr-3457	3	23	interpret	interpret	VERB
fsr-3457	3	24	probabilistic	probabilistic	ADJ
fsr-3457	3	25	trade	trade	NOUN
fsr-3457	3	26	-	-	PUNCT
fsr-3457	3	27	offs	off	NOUN
fsr-3457	3	28	—	—	PUNCT
fsr-3457	3	29	and	and	CCONJ
fsr-3457	3	30	graph	graph	NOUN
fsr-3457	3	31	literacy	literacy	NOUN
fsr-3457	3	32	on	on	ADP
fsr-3457	3	33	client	client	NOUN
fsr-3457	3	34	-	-	PUNCT
fsr-3457	3	35	planner	planner	NOUN
fsr-3457	3	36	decision	decision	NOUN
fsr-3457	3	37	-	-	PUNCT
fsr-3457	3	38	making	make	VERB
fsr-3457	3	39	quality	quality	NOUN
fsr-3457	3	40	.	.	PUNCT
fsr-3457	4	1	this	this	DET
fsr-3457	4	2	study	study	NOUN
fsr-3457	4	3	uses	use	VERB
fsr-3457	4	4	an	an	DET
fsr-3457	4	5	experimental	experimental	ADJ
fsr-3457	4	6	design	design	NOUN
fsr-3457	4	7	to	to	PART
fsr-3457	4	8	test	test	VERB
fsr-3457	4	9	financial	financial	ADJ
fsr-3457	4	10	planners	planner	NOUN
fsr-3457	4	11	’	’	PART
fsr-3457	4	12	risk	risk	NOUN
fsr-3457	4	13	literacy	literacy	NOUN
fsr-3457	4	14	and	and	CCONJ
fsr-3457	4	15	their	their	PRON
fsr-3457	4	16	ability	ability	NOUN
fsr-3457	4	17	to	to	PART
fsr-3457	4	18	select	select	VERB
fsr-3457	4	19	the	the	DET
fsr-3457	4	20	most	most	ADV
fsr-3457	4	21	resilient	resilient	ADJ
fsr-3457	4	22	portfolio	portfolio	NOUN
fsr-3457	4	23	based	base	VERB
fsr-3457	4	24	on	on	ADP
fsr-3457	4	25	whether	whether	SCONJ
fsr-3457	4	26	they	they	PRON
fsr-3457	4	27	were	be	AUX
fsr-3457	4	28	given	give	VERB
fsr-3457	4	29	probabilistic	probabilistic	ADJ
fsr-3457	4	30	information	information	NOUN
fsr-3457	4	31	and	and	CCONJ
fsr-3457	4	32	a	a	DET
fsr-3457	4	33	visual	visual	ADJ
fsr-3457	4	34	representation	representation	NOUN
fsr-3457	4	35	or	or	CCONJ
fsr-3457	4	36	only	only	ADV
fsr-3457	4	37	probabilistic	probabilistic	ADJ
fsr-3457	4	38	information	information	NOUN
fsr-3457	4	39	.	.	PUNCT
fsr-3457	5	1	results	result	NOUN
fsr-3457	5	2	indicate	indicate	VERB
fsr-3457	5	3	that	that	SCONJ
fsr-3457	5	4	visual	visual	ADJ
fsr-3457	5	5	representation	representation	NOUN
fsr-3457	5	6	do	do	AUX
fsr-3457	5	7	help	help	VERB
fsr-3457	5	8	financial	financial	ADJ
fsr-3457	5	9	planners	planner	NOUN
fsr-3457	5	10	determine	determine	VERB
fsr-3457	5	11	the	the	DET
fsr-3457	5	12	appropriate	appropriate	ADJ
fsr-3457	5	13	choice	choice	NOUN
fsr-3457	5	14	,	,	PUNCT
fsr-3457	5	15	but	but	CCONJ
fsr-3457	5	16	risk	risk	NOUN
fsr-3457	5	17	literacy	literacy	NOUN
fsr-3457	5	18	does	do	AUX
fsr-3457	5	19	not	not	PART
fsr-3457	5	20	.	.	PUNCT
fsr-3457	6	1	implications	implication	NOUN
fsr-3457	6	2	for	for	ADP
fsr-3457	6	3	financial	financial	ADJ
fsr-3457	6	4	planners	planner	NOUN
fsr-3457	6	5	and	and	CCONJ
fsr-3457	6	6	future	future	ADJ
fsr-3457	6	7	research	research	NOUN
fsr-3457	6	8	in	in	ADP
fsr-3457	6	9	this	this	DET
fsr-3457	6	10	area	area	NOUN
fsr-3457	6	11	are	be	AUX
fsr-3457	6	12	discussed	discuss	VERB
fsr-3457	6	13	.	.	PUNCT
fsr-3457	7	1	©	©	PROPN
fsr-3457	7	2	2021	2021	NUM
fsr-3457	7	3	academy	academy	NOUN
fsr-3457	7	4	of	of	ADP
fsr-3457	7	5	financial	financial	ADJ
fsr-3457	7	6	services	service	NOUN
fsr-3457	7	7	.	.	PUNCT
fsr-3457	8	1	all	all	DET
fsr-3457	8	2	rights	right	NOUN
fsr-3457	8	3	reserved	reserve	VERB
fsr-3457	8	4	.	.	PUNCT
fsr-3457	9	1	keywords	keyword	NOUN
fsr-3457	9	2	:	:	PUNCT
fsr-3457	9	3	financial	financial	ADJ
fsr-3457	9	4	planners	planner	NOUN
fsr-3457	9	5	;	;	PUNCT
fsr-3457	9	6	risk	risk	NOUN
fsr-3457	9	7	literacy	literacy	NOUN
fsr-3457	9	8	;	;	PUNCT
fsr-3457	9	9	decision	decision	NOUN
fsr-3457	9	10	-	-	PUNCT
fsr-3457	9	11	making	making	NOUN
fsr-3457	9	12	;	;	PUNCT
fsr-3457	9	13	client	client	NOUN
fsr-3457	9	14	communication	communication	NOUN
fsr-3457	9	15	;	;	PUNCT
fsr-3457	9	16	experimental	experimental	ADJ
fsr-3457	9	17	design	design	NOUN
fsr-3457	9	18	1	1	NUM
fsr-3457	9	19	.	.	PUNCT
fsr-3457	9	20	risk	risk	NOUN
fsr-3457	9	21	literacy	literacy	NOUN
fsr-3457	9	22	among	among	ADP
fsr-3457	9	23	professional	professional	ADJ
fsr-3457	9	24	financial	financial	ADJ
fsr-3457	9	25	planners	planner	NOUN
fsr-3457	9	26	making	make	VERB
fsr-3457	9	27	risky	risky	ADJ
fsr-3457	9	28	choices	choice	NOUN
fsr-3457	9	29	is	be	AUX
fsr-3457	9	30	central	central	ADJ
fsr-3457	9	31	to	to	ADP
fsr-3457	9	32	professional	professional	ADJ
fsr-3457	9	33	financial	financial	ADJ
fsr-3457	9	34	planning	planning	NOUN
fsr-3457	9	35	.	.	PUNCT
fsr-3457	10	1	the	the	DET
fsr-3457	10	2	majority	majority	NOUN
fsr-3457	10	3	of	of	ADP
fsr-3457	10	4	financial	financial	ADJ
fsr-3457	10	5	decisions	decision	NOUN
fsr-3457	10	6	involve	involve	VERB
fsr-3457	10	7	some	some	DET
fsr-3457	10	8	risk	risk	NOUN
fsr-3457	10	9	.	.	PUNCT
fsr-3457	11	1	professional	professional	ADJ
fsr-3457	11	2	financial	financial	ADJ
fsr-3457	11	3	planners	planner	NOUN
fsr-3457	11	4	create	create	VERB
fsr-3457	11	5	financial	financial	ADJ
fsr-3457	11	6	plans	plan	NOUN
fsr-3457	11	7	and	and	CCONJ
fsr-3457	11	8	present	present	ADJ
fsr-3457	11	9	financial	financial	ADJ
fsr-3457	11	10	information	information	NOUN
fsr-3457	11	11	to	to	PART
fsr-3457	11	12	help	help	VERB
fsr-3457	11	13	clients	client	NOUN
fsr-3457	11	14	make	make	VERB
fsr-3457	11	15	financial	financial	ADJ
fsr-3457	11	16	decisions	decision	NOUN
fsr-3457	11	17	in	in	ADP
fsr-3457	11	18	the	the	DET
fsr-3457	11	19	presence	presence	NOUN
fsr-3457	11	20	of	of	ADP
fsr-3457	11	21	risk	risk	NOUN
fsr-3457	11	22	.	.	PUNCT
fsr-3457	12	1	research	research	NOUN
fsr-3457	12	2	from	from	ADP
fsr-3457	12	3	the	the	DET
fsr-3457	12	4	field	field	NOUN
fsr-3457	12	5	of	of	ADP
fsr-3457	12	6	judgment	judgment	NOUN
fsr-3457	12	7	and	and	CCONJ
fsr-3457	12	8	decision	decision	NOUN
fsr-3457	12	9	-	-	PUNCT
fsr-3457	12	10	making	making	NOUN
fsr-3457	12	11	highlight	highlight	VERB
fsr-3457	12	12	the	the	DET
fsr-3457	12	13	importance	importance	NOUN
fsr-3457	12	14	of	of	ADP
fsr-3457	12	15	the	the	DET
fsr-3457	12	16	concept	concept	NOUN
fsr-3457	12	17	known	know	VERB
fsr-3457	12	18	as	as	ADP
fsr-3457	12	19	risk	risk	NOUN
fsr-3457	12	20	literacy	literacy	NOUN
fsr-3457	12	21	,	,	PUNCT
fsr-3457	12	22	which	which	PRON
fsr-3457	12	23	is	be	AUX
fsr-3457	12	24	defined	define	VERB
fsr-3457	12	25	as	as	ADP
fsr-3457	12	26	“	"	PUNCT
fsr-3457	12	27	the	the	DET
fsr-3457	12	28	ability	ability	NOUN
fsr-3457	12	29	to	to	PART
fsr-3457	12	30	accurately	accurately	ADV
fsr-3457	12	31	interpret	interpret	VERB
fsr-3457	12	32	and	and	CCONJ
fsr-3457	12	33	act	act	VERB
fsr-3457	12	34	on	on	ADP
fsr-3457	12	35	information	information	NOUN
fsr-3457	12	36	*	*	PUNCT
fsr-3457	12	37	corresponding	correspond	VERB
fsr-3457	12	38	author	author	NOUN
fsr-3457	12	39	.	.	PUNCT
fsr-3457	13	1	tel	tel	PROPN
fsr-3457	13	2	.	.	PUNCT
fsr-3457	13	3	:	:	PUNCT
fsr-3457	14	1	919	919	NUM
fsr-3457	14	2	247	247	NUM
fsr-3457	14	3	9854	9854	NUM
fsr-3457	14	4	;	;	PUNCT
fsr-3457	14	5	fax	fax	NOUN
fsr-3457	14	6	:	:	PUNCT
fsr-3457	14	7	919	919	NUM
fsr-3457	14	8	267	267	NUM
fsr-3457	14	9	6732	6732	NUM
fsr-3457	14	10	.	.	PUNCT
fsr-3457	15	1	e	e	X
fsr-3457	15	2	-	-	NOUN
fsr-3457	15	3	mail	mail	NOUN
fsr-3457	15	4	address	address	NOUN
fsr-3457	15	5	:	:	PUNCT
fsr-3457	15	6	michael.kothakota@wolfbridgefinancial.com	michael.kothakota@wolfbridgefinancial.com	X
fsr-3457	15	7	1057	1057	NUM
fsr-3457	15	8	-	-	SYM
fsr-3457	15	9	0810/21/$	0810/21/$	NUM
fsr-3457	15	10	–	–	PUNCT
fsr-3457	15	11	see	see	VERB
fsr-3457	15	12	front	front	ADJ
fsr-3457	15	13	matter	matter	NOUN
fsr-3457	15	14	©	©	PROPN
fsr-3457	15	15	2021	2021	NUM
fsr-3457	15	16	academy	academy	NOUN
fsr-3457	15	17	of	of	ADP
fsr-3457	15	18	financial	financial	ADJ
fsr-3457	15	19	services	service	NOUN
fsr-3457	15	20	.	.	PUNCT
fsr-3457	16	1	all	all	DET
fsr-3457	16	2	rights	right	NOUN
fsr-3457	16	3	reserved	reserve	VERB
fsr-3457	16	4	.	.	PUNCT
fsr-3457	17	1	financial	financial	ADJ
fsr-3457	17	2	services	service	NOUN
fsr-3457	17	3	review	review	VERB
fsr-3457	17	4	29	29	NUM
fsr-3457	17	5	(	(	PUNCT
fsr-3457	17	6	2021	2021	NUM
fsr-3457	17	7	)	)	PUNCT
fsr-3457	17	8	209–225	209–225	NUM
fsr-3457	17	9	about	about	ADP
fsr-3457	17	10	risk	risk	NOUN
fsr-3457	17	11	”	"	PUNCT
fsr-3457	17	12	and	and	CCONJ
fsr-3457	17	13	is	be	AUX
fsr-3457	17	14	a	a	DET
fsr-3457	17	15	synonym	synonym	NOUN
fsr-3457	17	16	for	for	ADP
fsr-3457	17	17	statistical	statistical	ADJ
fsr-3457	17	18	numeracy	numeracy	NOUN
fsr-3457	17	19	(	(	PUNCT
fsr-3457	17	20	cokely	cokely	ADV
fsr-3457	17	21	,	,	PUNCT
fsr-3457	17	22	galesic	galesic	ADJ
fsr-3457	17	23	,	,	PUNCT
fsr-3457	17	24	schulz	schulz	PROPN
fsr-3457	17	25	,	,	PUNCT
fsr-3457	17	26	ghazal	ghazal	PROPN
fsr-3457	17	27	,	,	PUNCT
fsr-3457	17	28	&	&	CCONJ
fsr-3457	17	29	garcia	garcia	PROPN
fsr-3457	17	30	-	-	PUNCT
fsr-3457	17	31	retamero	retamero	NOUN
fsr-3457	17	32	,	,	PUNCT
fsr-3457	17	33	2012	2012	NUM
fsr-3457	17	34	,	,	PUNCT
fsr-3457	17	35	p.	p.	NOUN
fsr-3457	17	36	26	26	NUM
fsr-3457	17	37	)	)	PUNCT
fsr-3457	17	38	.	.	PUNCT
fsr-3457	18	1	in	in	ADP
fsr-3457	18	2	the	the	DET
fsr-3457	18	3	same	same	ADJ
fsr-3457	18	4	way	way	NOUN
fsr-3457	18	5	previous	previous	ADJ
fsr-3457	18	6	studies	study	NOUN
fsr-3457	18	7	point	point	VERB
fsr-3457	18	8	out	out	ADP
fsr-3457	18	9	the	the	DET
fsr-3457	18	10	need	need	NOUN
fsr-3457	18	11	for	for	ADP
fsr-3457	18	12	risk	risk	NOUN
fsr-3457	18	13	literacy	literacy	NOUN
fsr-3457	18	14	in	in	ADP
fsr-3457	18	15	the	the	DET
fsr-3457	18	16	medical	medical	ADJ
fsr-3457	18	17	profession	profession	NOUN
fsr-3457	18	18	so	so	SCONJ
fsr-3457	18	19	doctors	doctor	NOUN
fsr-3457	18	20	can	can	AUX
fsr-3457	18	21	better	well	ADV
fsr-3457	18	22	assist	assist	VERB
fsr-3457	18	23	patients	patient	NOUN
fsr-3457	18	24	in	in	ADP
fsr-3457	18	25	making	make	VERB
fsr-3457	18	26	medical	medical	ADJ
fsr-3457	18	27	decisions	decision	NOUN
fsr-3457	18	28	involving	involve	VERB
fsr-3457	18	29	risk	risk	NOUN
fsr-3457	18	30	(	(	PUNCT
fsr-3457	18	31	e.g.	e.g.	ADV
fsr-3457	18	32	,	,	PUNCT
fsr-3457	18	33	surgeries	surgery	NOUN
fsr-3457	18	34	,	,	PUNCT
fsr-3457	18	35	new	new	ADJ
fsr-3457	18	36	treatments	treatment	NOUN
fsr-3457	18	37	,	,	PUNCT
fsr-3457	18	38	or	or	CCONJ
fsr-3457	18	39	new	new	ADJ
fsr-3457	18	40	drugs	drug	NOUN
fsr-3457	18	41	)	)	PUNCT
fsr-3457	18	42	,	,	PUNCT
fsr-3457	18	43	is	be	AUX
fsr-3457	18	44	the	the	DET
fsr-3457	18	45	need	need	NOUN
fsr-3457	18	46	for	for	ADP
fsr-3457	18	47	risk	risk	NOUN
fsr-3457	18	48	literacy	literacy	NOUN
fsr-3457	18	49	is	be	AUX
fsr-3457	18	50	also	also	ADV
fsr-3457	18	51	in	in	ADP
fsr-3457	18	52	financial	financial	ADJ
fsr-3457	18	53	planning	planning	NOUN
fsr-3457	18	54	.	.	PUNCT
fsr-3457	19	1	compared	compare	VERB
fsr-3457	19	2	with	with	ADP
fsr-3457	19	3	the	the	DET
fsr-3457	19	4	average	average	ADJ
fsr-3457	19	5	consumer	consumer	NOUN
fsr-3457	19	6	,	,	PUNCT
fsr-3457	19	7	professional	professional	ADJ
fsr-3457	19	8	financial	financial	ADJ
fsr-3457	19	9	planners	planner	NOUN
fsr-3457	19	10	are	be	AUX
fsr-3457	19	11	educated	educate	VERB
fsr-3457	19	12	in	in	ADP
fsr-3457	19	13	risk	risk	NOUN
fsr-3457	19	14	and	and	CCONJ
fsr-3457	19	15	deal	deal	VERB
fsr-3457	19	16	with	with	ADP
fsr-3457	19	17	probabilistic	probabilistic	ADJ
fsr-3457	19	18	outcomes	outcome	NOUN
fsr-3457	19	19	on	on	ADP
fsr-3457	19	20	a	a	DET
fsr-3457	19	21	regular	regular	ADJ
fsr-3457	19	22	basis	basis	NOUN
fsr-3457	19	23	(	(	PUNCT
fsr-3457	19	24	e.g.	e.g.	ADV
fsr-3457	19	25	,	,	PUNCT
fsr-3457	19	26	chance	chance	NOUN
fsr-3457	19	27	of	of	ADP
fsr-3457	19	28	disability	disability	NOUN
fsr-3457	19	29	,	,	PUNCT
fsr-3457	19	30	monte	monte	PROPN
fsr-3457	19	31	carlo	carlo	PROPN
fsr-3457	19	32	simulation	simulation	PROPN
fsr-3457	19	33	results	result	NOUN
fsr-3457	19	34	of	of	ADP
fsr-3457	19	35	adequacy	adequacy	NOUN
fsr-3457	19	36	of	of	ADP
fsr-3457	19	37	retirement	retirement	NOUN
fsr-3457	19	38	funds	fund	NOUN
fsr-3457	19	39	,	,	PUNCT
fsr-3457	19	40	etc	etc	X
fsr-3457	19	41	.	.	X
fsr-3457	19	42	)	)	PUNCT
fsr-3457	19	43	.	.	PUNCT
fsr-3457	20	1	this	this	PRON
fsr-3457	20	2	suggests	suggest	VERB
fsr-3457	20	3	professional	professional	ADJ
fsr-3457	20	4	financial	financial	ADJ
fsr-3457	20	5	planners	planner	NOUN
fsr-3457	20	6	may	may	AUX
fsr-3457	20	7	possess	possess	VERB
fsr-3457	20	8	a	a	DET
fsr-3457	20	9	higher	high	ADJ
fsr-3457	20	10	level	level	NOUN
fsr-3457	20	11	of	of	ADP
fsr-3457	20	12	risk	risk	NOUN
fsr-3457	20	13	literacy	literacy	NOUN
fsr-3457	20	14	.	.	PUNCT
fsr-3457	21	1	understanding	understand	VERB
fsr-3457	21	2	the	the	DET
fsr-3457	21	3	risk	risk	NOUN
fsr-3457	21	4	literacy	literacy	NOUN
fsr-3457	21	5	of	of	ADP
fsr-3457	21	6	financial	financial	ADJ
fsr-3457	21	7	planners	planner	NOUN
fsr-3457	21	8	is	be	AUX
fsr-3457	21	9	a	a	DET
fsr-3457	21	10	critical	critical	ADJ
fsr-3457	21	11	step	step	NOUN
fsr-3457	21	12	in	in	ADP
fsr-3457	21	13	the	the	DET
fsr-3457	21	14	development	development	NOUN
fsr-3457	21	15	of	of	ADP
fsr-3457	21	16	the	the	DET
fsr-3457	21	17	financial	financial	ADJ
fsr-3457	21	18	planning	planning	NOUN
fsr-3457	21	19	profession	profession	NOUN
fsr-3457	21	20	because	because	SCONJ
fsr-3457	21	21	financial	financial	ADJ
fsr-3457	21	22	planners	planner	NOUN
fsr-3457	21	23	help	help	VERB
fsr-3457	21	24	clients	client	NOUN
fsr-3457	21	25	make	make	VERB
fsr-3457	21	26	better	well	ADJ
fsr-3457	21	27	financial	financial	ADJ
fsr-3457	21	28	decisions	decision	NOUN
fsr-3457	21	29	.	.	PUNCT
fsr-3457	22	1	financial	financial	ADJ
fsr-3457	22	2	planners	planner	NOUN
fsr-3457	22	3	that	that	PRON
fsr-3457	22	4	go	go	VERB
fsr-3457	22	5	through	through	ADP
fsr-3457	22	6	the	the	DET
fsr-3457	22	7	certified	certify	VERB
fsr-3457	22	8	financial	financial	ADJ
fsr-3457	22	9	planner	planner	NOUN
fsr-3457	22	10	(	(	PUNCT
fsr-3457	22	11	cfp	cfp	NOUN
fsr-3457	22	12	)	)	PUNCT
fsr-3457	22	13	certification	certification	NOUN
fsr-3457	22	14	process	process	NOUN
fsr-3457	22	15	are	be	AUX
fsr-3457	22	16	required	require	VERB
fsr-3457	22	17	to	to	PART
fsr-3457	22	18	learn	learn	VERB
fsr-3457	22	19	about	about	ADP
fsr-3457	22	20	risk	risk	NOUN
fsr-3457	22	21	.	.	PUNCT
fsr-3457	23	1	for	for	ADP
fsr-3457	23	2	example	example	NOUN
fsr-3457	23	3	financial	financial	ADJ
fsr-3457	23	4	knowledge	knowledge	NOUN
fsr-3457	23	5	topics	topic	NOUN
fsr-3457	23	6	,	,	PUNCT
fsr-3457	23	7	including	include	VERB
fsr-3457	23	8	d22	d22	PROPN
fsr-3457	23	9	,	,	PUNCT
fsr-3457	23	10	d23	d23	PROPN
fsr-3457	23	11	,	,	PUNCT
fsr-3457	23	12	and	and	CCONJ
fsr-3457	23	13	e34	e34	NOUN
fsr-3457	23	14	,	,	PUNCT
fsr-3457	23	15	specifically	specifically	ADV
fsr-3457	23	16	address	address	VERB
fsr-3457	23	17	risk	risk	NOUN
fsr-3457	23	18	in	in	ADP
fsr-3457	23	19	the	the	DET
fsr-3457	23	20	areas	area	NOUN
fsr-3457	23	21	of	of	ADP
fsr-3457	23	22	insurance	insurance	NOUN
fsr-3457	23	23	and	and	CCONJ
fsr-3457	23	24	investments	investment	NOUN
fsr-3457	23	25	.	.	PUNCT
fsr-3457	24	1	in	in	ADP
fsr-3457	24	2	addition	addition	NOUN
fsr-3457	24	3	,	,	PUNCT
fsr-3457	24	4	cfp	cfp	PROPN
fsr-3457	24	5	professionals	professional	NOUN
fsr-3457	24	6	learn	learn	VERB
fsr-3457	24	7	the	the	DET
fsr-3457	24	8	seven	seven	NUM
fsr-3457	24	9	-	-	PUNCT
fsr-3457	24	10	step	step	NOUN
fsr-3457	24	11	financial	financial	ADJ
fsr-3457	24	12	planning	planning	NOUN
fsr-3457	24	13	process	process	NOUN
fsr-3457	24	14	,	,	PUNCT
fsr-3457	24	15	which	which	PRON
fsr-3457	24	16	inherently	inherently	ADV
fsr-3457	24	17	includes	include	VERB
fsr-3457	24	18	the	the	DET
fsr-3457	24	19	discussion	discussion	NOUN
fsr-3457	24	20	of	of	ADP
fsr-3457	24	21	risk	risk	NOUN
fsr-3457	24	22	with	with	ADP
fsr-3457	24	23	clients	client	NOUN
fsr-3457	24	24	,	,	PUNCT
fsr-3457	24	25	reflecting	reflect	VERB
fsr-3457	24	26	the	the	DET
fsr-3457	24	27	steps	step	NOUN
fsr-3457	24	28	found	find	VERB
fsr-3457	24	29	with	with	ADP
fsr-3457	24	30	the	the	DET
fsr-3457	24	31	skilled	skilled	ADJ
fsr-3457	24	32	decision	decision	NOUN
fsr-3457	24	33	theory	theory	NOUN
fsr-3457	24	34	framework	framework	NOUN
fsr-3457	24	35	.	.	PUNCT
fsr-3457	25	1	another	another	DET
fsr-3457	25	2	aspect	aspect	NOUN
fsr-3457	25	3	of	of	ADP
fsr-3457	25	4	risk	risk	NOUN
fsr-3457	25	5	literacy	literacy	NOUN
fsr-3457	25	6	and	and	CCONJ
fsr-3457	25	7	enhancing	enhance	VERB
fsr-3457	25	8	understanding	understanding	NOUN
fsr-3457	25	9	of	of	ADP
fsr-3457	25	10	risks	risk	NOUN
fsr-3457	25	11	stems	stem	VERB
fsr-3457	25	12	from	from	ADP
fsr-3457	25	13	visual	visual	ADJ
fsr-3457	25	14	representations	representation	NOUN
fsr-3457	25	15	of	of	ADP
fsr-3457	25	16	risk	risk	NOUN
fsr-3457	25	17	.	.	PUNCT
fsr-3457	26	1	previous	previous	ADJ
fsr-3457	26	2	research	research	NOUN
fsr-3457	26	3	in	in	ADP
fsr-3457	26	4	financial	financial	ADJ
fsr-3457	26	5	literacy	literacy	NOUN
fsr-3457	26	6	indicates	indicate	VERB
fsr-3457	26	7	visual	visual	ADJ
fsr-3457	26	8	representation	representation	NOUN
fsr-3457	26	9	of	of	ADP
fsr-3457	26	10	financial	financial	ADJ
fsr-3457	26	11	concepts	concept	NOUN
fsr-3457	26	12	allows	allow	VERB
fsr-3457	26	13	for	for	ADP
fsr-3457	26	14	better	well	ADJ
fsr-3457	26	15	processing	processing	NOUN
fsr-3457	26	16	of	of	ADP
fsr-3457	26	17	financial	financial	ADJ
fsr-3457	26	18	information	information	NOUN
fsr-3457	26	19	(	(	PUNCT
fsr-3457	26	20	kothakota	kothakota	PROPN
fsr-3457	26	21	&	&	CCONJ
fsr-3457	26	22	kiss	kiss	PROPN
fsr-3457	26	23	,	,	PUNCT
fsr-3457	26	24	2020	2020	NUM
fsr-3457	26	25	)	)	PUNCT
fsr-3457	26	26	.	.	PUNCT
fsr-3457	27	1	specifically	specifically	ADV
fsr-3457	27	2	,	,	PUNCT
fsr-3457	27	3	groups	group	NOUN
fsr-3457	27	4	that	that	PRON
fsr-3457	27	5	have	have	AUX
fsr-3457	27	6	historically	historically	ADV
fsr-3457	27	7	underperformed	underperform	VERB
fsr-3457	27	8	on	on	ADP
fsr-3457	27	9	financial	financial	ADJ
fsr-3457	27	10	literacy	literacy	NOUN
fsr-3457	27	11	showed	show	VERB
fsr-3457	27	12	a	a	DET
fsr-3457	27	13	much	much	ADV
fsr-3457	27	14	larger	large	ADJ
fsr-3457	27	15	increase	increase	NOUN
fsr-3457	27	16	in	in	ADP
fsr-3457	27	17	financial	financial	ADJ
fsr-3457	27	18	literacy	literacy	NOUN
fsr-3457	27	19	when	when	SCONJ
fsr-3457	27	20	the	the	DET
fsr-3457	27	21	literacy	literacy	NOUN
fsr-3457	27	22	concept	concept	NOUN
fsr-3457	27	23	is	be	AUX
fsr-3457	27	24	explained	explain	VERB
fsr-3457	27	25	visually	visually	ADV
fsr-3457	27	26	.	.	PUNCT
fsr-3457	28	1	properly	properly	ADV
fsr-3457	28	2	formatted	format	VERB
fsr-3457	28	3	visualizations	visualization	NOUN
fsr-3457	28	4	may	may	AUX
fsr-3457	28	5	assist	assist	VERB
fsr-3457	28	6	financial	financial	ADJ
fsr-3457	28	7	planners	planner	NOUN
fsr-3457	28	8	and	and	CCONJ
fsr-3457	28	9	their	their	PRON
fsr-3457	28	10	clients	client	NOUN
fsr-3457	28	11	in	in	ADP
fsr-3457	28	12	understanding	understand	VERB
fsr-3457	28	13	portfolio	portfolio	NOUN
fsr-3457	28	14	risk	risk	NOUN
fsr-3457	28	15	.	.	PUNCT
fsr-3457	29	1	most	most	ADJ
fsr-3457	29	2	visualization	visualization	NOUN
fsr-3457	29	3	practice	practice	NOUN
fsr-3457	29	4	in	in	ADP
fsr-3457	29	5	the	the	DET
fsr-3457	29	6	financial	financial	ADJ
fsr-3457	29	7	services	service	NOUN
fsr-3457	29	8	industry	industry	NOUN
fsr-3457	29	9	have	have	AUX
fsr-3457	29	10	been	be	AUX
fsr-3457	29	11	applied	apply	VERB
fsr-3457	29	12	to	to	ADP
fsr-3457	29	13	more	more	ADJ
fsr-3457	29	14	complex	complex	ADJ
fsr-3457	29	15	concepts	concept	NOUN
fsr-3457	29	16	,	,	PUNCT
fsr-3457	29	17	such	such	ADJ
fsr-3457	29	18	as	as	ADP
fsr-3457	29	19	bond	bond	NOUN
fsr-3457	29	20	duration	duration	NOUN
fsr-3457	29	21	and	and	CCONJ
fsr-3457	29	22	convexity	convexity	NOUN
fsr-3457	29	23	or	or	CCONJ
fsr-3457	29	24	accounting	accounting	NOUN
fsr-3457	29	25	analytics	analytic	NOUN
fsr-3457	29	26	(	(	PUNCT
fsr-3457	29	27	rodriguez	rodriguez	PROPN
fsr-3457	29	28	&	&	CCONJ
fsr-3457	29	29	kaczmarek	kaczmarek	PROPN
fsr-3457	29	30	,	,	PUNCT
fsr-3457	29	31	2016	2016	NUM
fsr-3457	29	32	)	)	PUNCT
fsr-3457	29	33	.	.	PUNCT
fsr-3457	30	1	moreover	moreover	ADV
fsr-3457	30	2	,	,	PUNCT
fsr-3457	30	3	a	a	DET
fsr-3457	30	4	growing	grow	VERB
fsr-3457	30	5	body	body	NOUN
fsr-3457	30	6	of	of	ADP
fsr-3457	30	7	literature	literature	NOUN
fsr-3457	30	8	suggests	suggest	VERB
fsr-3457	30	9	that	that	SCONJ
fsr-3457	30	10	while	while	SCONJ
fsr-3457	30	11	there	there	PRON
fsr-3457	30	12	is	be	VERB
fsr-3457	30	13	an	an	DET
fsr-3457	30	14	expectation	expectation	NOUN
fsr-3457	30	15	professionals	professional	NOUN
fsr-3457	30	16	who	who	PRON
fsr-3457	30	17	deal	deal	VERB
fsr-3457	30	18	with	with	ADP
fsr-3457	30	19	risk	risk	NOUN
fsr-3457	30	20	on	on	ADP
fsr-3457	30	21	a	a	DET
fsr-3457	30	22	regular	regular	ADJ
fsr-3457	30	23	basis	basis	NOUN
fsr-3457	30	24	have	have	VERB
fsr-3457	30	25	a	a	DET
fsr-3457	30	26	high	high	ADJ
fsr-3457	30	27	degree	degree	NOUN
fsr-3457	30	28	of	of	ADP
fsr-3457	30	29	risk	risk	NOUN
fsr-3457	30	30	literacy	literacy	NOUN
fsr-3457	30	31	,	,	PUNCT
fsr-3457	30	32	this	this	PRON
fsr-3457	30	33	is	be	AUX
fsr-3457	30	34	not	not	PART
fsr-3457	30	35	always	always	ADV
fsr-3457	30	36	the	the	DET
fsr-3457	30	37	case	case	NOUN
fsr-3457	30	38	.	.	PUNCT
fsr-3457	31	1	other	other	ADJ
fsr-3457	31	2	professions	profession	NOUN
fsr-3457	31	3	,	,	PUNCT
fsr-3457	31	4	such	such	ADJ
fsr-3457	31	5	as	as	ADP
fsr-3457	31	6	surgeons	surgeon	NOUN
fsr-3457	31	7	and	and	CCONJ
fsr-3457	31	8	senior	senior	ADJ
fsr-3457	31	9	-	-	PUNCT
fsr-3457	31	10	level	level	NOUN
fsr-3457	31	11	police	police	NOUN
fsr-3457	31	12	officers	officer	NOUN
fsr-3457	31	13	(	(	PUNCT
fsr-3457	31	14	garcia	garcia	PROPN
fsr-3457	31	15	-	-	PUNCT
fsr-3457	31	16	retamero	retamero	NOUN
fsr-3457	31	17	,	,	PUNCT
fsr-3457	31	18	cokely	cokely	NOUN
fsr-3457	31	19	,	,	PUNCT
fsr-3457	31	20	wicki	wicki	NOUN
fsr-3457	31	21	,	,	PUNCT
fsr-3457	31	22	&	&	CCONJ
fsr-3457	31	23	joeris	joeris	PROPN
fsr-3457	31	24	,	,	PUNCT
fsr-3457	31	25	2016	2016	NUM
fsr-3457	31	26	;	;	PUNCT
fsr-3457	31	27	garcia	garcia	PROPN
fsr-3457	31	28	-	-	PUNCT
fsr-3457	31	29	retamero	retamero	PROPN
fsr-3457	31	30	&	&	CCONJ
fsr-3457	31	31	dhami	dhami	NOUN
fsr-3457	31	32	,	,	PUNCT
fsr-3457	31	33	2013	2013	NUM
fsr-3457	31	34	)	)	PUNCT
fsr-3457	31	35	,	,	PUNCT
fsr-3457	31	36	do	do	AUX
fsr-3457	31	37	not	not	PART
fsr-3457	31	38	always	always	ADV
fsr-3457	31	39	exhibit	exhibit	VERB
fsr-3457	31	40	high	high	ADJ
fsr-3457	31	41	risk	risk	NOUN
fsr-3457	31	42	literacy	literacy	NOUN
fsr-3457	31	43	.	.	PUNCT
fsr-3457	32	1	subsequently	subsequently	ADV
fsr-3457	32	2	,	,	PUNCT
fsr-3457	32	3	an	an	DET
fsr-3457	32	4	objective	objective	NOUN
fsr-3457	32	5	of	of	ADP
fsr-3457	32	6	this	this	DET
fsr-3457	32	7	study	study	NOUN
fsr-3457	32	8	is	be	AUX
fsr-3457	32	9	to	to	PART
fsr-3457	32	10	extend	extend	VERB
fsr-3457	32	11	the	the	DET
fsr-3457	32	12	risk	risk	NOUN
fsr-3457	32	13	literacy	literacy	NOUN
fsr-3457	32	14	research	research	NOUN
fsr-3457	32	15	to	to	ADP
fsr-3457	32	16	a	a	DET
fsr-3457	32	17	new	new	ADJ
fsr-3457	32	18	profession	profession	NOUN
fsr-3457	32	19	by	by	ADP
fsr-3457	32	20	examining	examine	VERB
fsr-3457	32	21	the	the	DET
fsr-3457	32	22	risk	risk	NOUN
fsr-3457	32	23	literacy	literacy	NOUN
fsr-3457	32	24	of	of	ADP
fsr-3457	32	25	professional	professional	ADJ
fsr-3457	32	26	financial	financial	ADJ
fsr-3457	32	27	planners	planner	NOUN
fsr-3457	32	28	(	(	PUNCT
fsr-3457	32	29	hereafter	hereafter	ADV
fsr-3457	32	30	referred	refer	VERB
fsr-3457	32	31	to	to	ADP
fsr-3457	32	32	as	as	ADP
fsr-3457	32	33	financial	financial	ADJ
fsr-3457	32	34	planners	planner	NOUN
fsr-3457	32	35	for	for	ADP
fsr-3457	32	36	convenience	convenience	NOUN
fsr-3457	32	37	)	)	PUNCT
fsr-3457	32	38	.	.	PUNCT
fsr-3457	33	1	the	the	DET
fsr-3457	33	2	research	research	NOUN
fsr-3457	33	3	question	question	NOUN
fsr-3457	33	4	is	be	AUX
fsr-3457	33	5	:	:	PUNCT
fsr-3457	33	6	does	do	AUX
fsr-3457	33	7	risk	risk	VERB
fsr-3457	33	8	literacy	literacy	NOUN
fsr-3457	33	9	and	and	CCONJ
fsr-3457	33	10	visual	visual	ADJ
fsr-3457	33	11	representation	representation	NOUN
fsr-3457	33	12	of	of	ADP
fsr-3457	33	13	a	a	DET
fsr-3457	33	14	risk	risk	NOUN
fsr-3457	33	15	-	-	PUNCT
fsr-3457	33	16	related	relate	VERB
fsr-3457	33	17	scenario	scenario	NOUN
fsr-3457	33	18	help	help	VERB
fsr-3457	33	19	financial	financial	ADJ
fsr-3457	33	20	planners	planner	NOUN
fsr-3457	33	21	to	to	PART
fsr-3457	33	22	select	select	VERB
fsr-3457	33	23	an	an	DET
fsr-3457	33	24	appropriate	appropriate	ADJ
fsr-3457	33	25	portfolio	portfolio	NOUN
fsr-3457	33	26	?	?	PUNCT
fsr-3457	34	1	2	2	X
fsr-3457	34	2	.	.	X
fsr-3457	34	3	literature	literature	NOUN
fsr-3457	34	4	review	review	PROPN
fsr-3457	34	5	risk	risk	NOUN
fsr-3457	34	6	literacy	literacy	NOUN
fsr-3457	34	7	can	can	AUX
fsr-3457	34	8	be	be	AUX
fsr-3457	34	9	defined	define	VERB
fsr-3457	34	10	as	as	ADP
fsr-3457	34	11	“	"	PUNCT
fsr-3457	34	12	the	the	DET
fsr-3457	34	13	ability	ability	NOUN
fsr-3457	34	14	to	to	PART
fsr-3457	34	15	accurately	accurately	ADV
fsr-3457	34	16	interpret	interpret	VERB
fsr-3457	34	17	and	and	CCONJ
fsr-3457	34	18	act	act	VERB
fsr-3457	34	19	on	on	ADP
fsr-3457	34	20	information	information	NOUN
fsr-3457	34	21	about	about	ADP
fsr-3457	34	22	risk	risk	NOUN
fsr-3457	34	23	”	"	PUNCT
fsr-3457	34	24	(	(	PUNCT
fsr-3457	34	25	cokely	cokely	ADV
fsr-3457	34	26	et	et	PROPN
fsr-3457	34	27	al	al	PROPN
fsr-3457	34	28	.	.	PROPN
fsr-3457	34	29	,	,	PUNCT
fsr-3457	34	30	2012	2012	NUM
fsr-3457	34	31	,	,	PUNCT
fsr-3457	34	32	p.	p.	NOUN
fsr-3457	34	33	26	26	NUM
fsr-3457	34	34	)	)	PUNCT
fsr-3457	34	35	and	and	CCONJ
fsr-3457	34	36	has	have	VERB
fsr-3457	34	37	a	a	DET
fsr-3457	34	38	well	well	ADV
fsr-3457	34	39	-	-	PUNCT
fsr-3457	34	40	researched	research	VERB
fsr-3457	34	41	history	history	NOUN
fsr-3457	34	42	in	in	ADP
fsr-3457	34	43	judgment	judgment	NOUN
fsr-3457	34	44	and	and	CCONJ
fsr-3457	34	45	decision	decision	NOUN
fsr-3457	34	46	-	-	PUNCT
fsr-3457	34	47	making	making	NOUN
fsr-3457	34	48	(	(	PUNCT
fsr-3457	34	49	lurtz	lurtz	PROPN
fsr-3457	34	50	&	&	CCONJ
fsr-3457	34	51	heckman	heckman	PROPN
fsr-3457	34	52	,	,	PUNCT
fsr-3457	34	53	2018	2018	NUM
fsr-3457	34	54	)	)	PUNCT
fsr-3457	34	55	.	.	PUNCT
fsr-3457	35	1	risk	risk	NOUN
fsr-3457	35	2	literacy	literacy	NOUN
fsr-3457	35	3	is	be	AUX
fsr-3457	35	4	separate	separate	ADJ
fsr-3457	35	5	and	and	CCONJ
fsr-3457	35	6	distinct	distinct	ADJ
fsr-3457	35	7	from	from	ADP
fsr-3457	35	8	similar	similar	ADJ
fsr-3457	35	9	constructs	construct	NOUN
fsr-3457	35	10	such	such	ADJ
fsr-3457	35	11	as	as	ADP
fsr-3457	35	12	:	:	PUNCT
fsr-3457	35	13	subjective	subjective	ADJ
fsr-3457	35	14	numeracy	numeracy	NOUN
fsr-3457	35	15	,	,	PUNCT
fsr-3457	35	16	risk	risk	NOUN
fsr-3457	35	17	perception	perception	NOUN
fsr-3457	35	18	,	,	PUNCT
fsr-3457	35	19	and	and	CCONJ
fsr-3457	35	20	financial	financial	ADJ
fsr-3457	35	21	literacy	literacy	NOUN
fsr-3457	35	22	.	.	PUNCT
fsr-3457	36	1	subjective	subjective	ADJ
fsr-3457	36	2	numeracy	numeracy	NOUN
fsr-3457	36	3	is	be	AUX
fsr-3457	36	4	how	how	SCONJ
fsr-3457	36	5	a	a	DET
fsr-3457	36	6	person	person	NOUN
fsr-3457	36	7	feels	feel	VERB
fsr-3457	36	8	about	about	ADP
fsr-3457	36	9	numerical	numerical	ADJ
fsr-3457	36	10	information	information	NOUN
fsr-3457	36	11	and	and	CCONJ
fsr-3457	36	12	their	their	PRON
fsr-3457	36	13	perception	perception	NOUN
fsr-3457	36	14	of	of	ADP
fsr-3457	36	15	their	their	PRON
fsr-3457	36	16	ability	ability	NOUN
fsr-3457	36	17	to	to	PART
fsr-3457	36	18	use	use	VERB
fsr-3457	36	19	or	or	CCONJ
fsr-3457	36	20	understand	understand	VERB
fsr-3457	36	21	numerical	numerical	ADJ
fsr-3457	36	22	information	information	NOUN
fsr-3457	36	23	(	(	PUNCT
fsr-3457	36	24	gamliel	gamliel	NOUN
fsr-3457	36	25	,	,	PUNCT
fsr-3457	36	26	kreiner	kreiner	NOUN
fsr-3457	36	27	,	,	PUNCT
fsr-3457	36	28	&	&	CCONJ
fsr-3457	36	29	garcia	garcia	PROPN
fsr-3457	36	30	-	-	PUNCT
fsr-3457	36	31	retamero	retamero	NOUN
fsr-3457	36	32	,	,	PUNCT
fsr-3457	36	33	210	210	NUM
fsr-3457	36	34	m.	m.	NOUN
fsr-3457	36	35	r.	r.	PROPN
fsr-3457	36	36	lurtz	lurtz	PROPN
fsr-3457	36	37	et	et	PROPN
fsr-3457	36	38	al	al	PROPN
fsr-3457	36	39	.	.	PUNCT
fsr-3457	36	40	/	/	SYM
fsr-3457	36	41	financial	financial	ADJ
fsr-3457	36	42	services	service	NOUN
fsr-3457	36	43	review	review	VERB
fsr-3457	36	44	29	29	NUM
fsr-3457	36	45	(	(	PUNCT
fsr-3457	36	46	2021	2021	NUM
fsr-3457	36	47	)	)	PUNCT
fsr-3457	37	1	209–225	209–225	NUM
fsr-3457	37	2	2016	2016	NUM
fsr-3457	37	3	)	)	PUNCT
fsr-3457	37	4	.	.	PUNCT
fsr-3457	38	1	risk	risk	NOUN
fsr-3457	38	2	perception	perception	NOUN
fsr-3457	38	3	is	be	AUX
fsr-3457	38	4	also	also	ADV
fsr-3457	38	5	subjective	subjective	ADJ
fsr-3457	38	6	and	and	CCONJ
fsr-3457	38	7	relates	relate	VERB
fsr-3457	38	8	to	to	ADP
fsr-3457	38	9	one	one	NUM
fsr-3457	38	10	’s	’s	PART
fsr-3457	38	11	ability	ability	NOUN
fsr-3457	38	12	to	to	PART
fsr-3457	38	13	accurately	accurately	ADV
fsr-3457	38	14	understand	understand	VERB
fsr-3457	38	15	the	the	DET
fsr-3457	38	16	risks	risk	NOUN
fsr-3457	38	17	associated	associate	VERB
fsr-3457	38	18	with	with	ADP
fsr-3457	38	19	a	a	DET
fsr-3457	38	20	behavior	behavior	NOUN
fsr-3457	38	21	or	or	CCONJ
fsr-3457	38	22	an	an	DET
fsr-3457	38	23	event	event	NOUN
fsr-3457	38	24	(	(	PUNCT
fsr-3457	38	25	roszkowski	roszkowski	NOUN
fsr-3457	38	26	&	&	CCONJ
fsr-3457	38	27	davey	davey	NOUN
fsr-3457	38	28	,	,	PUNCT
fsr-3457	38	29	2010	2010	NUM
fsr-3457	38	30	)	)	PUNCT
fsr-3457	38	31	.	.	PUNCT
fsr-3457	39	1	financial	financial	ADJ
fsr-3457	39	2	literacy	literacy	NOUN
fsr-3457	39	3	has	have	VERB
fsr-3457	39	4	both	both	CCONJ
fsr-3457	39	5	an	an	DET
fsr-3457	39	6	objective	objective	ADJ
fsr-3457	39	7	and	and	CCONJ
fsr-3457	39	8	subjective	subjective	ADJ
fsr-3457	39	9	component	component	NOUN
fsr-3457	39	10	as	as	SCONJ
fsr-3457	39	11	it	it	PRON
fsr-3457	39	12	is	be	AUX
fsr-3457	39	13	a	a	DET
fsr-3457	39	14	combination	combination	NOUN
fsr-3457	39	15	of	of	ADP
fsr-3457	39	16	knowledge	knowledge	NOUN
fsr-3457	39	17	(	(	PUNCT
fsr-3457	39	18	objective	objective	NOUN
fsr-3457	39	19	)	)	PUNCT
fsr-3457	39	20	and	and	CCONJ
fsr-3457	39	21	perceived	perceive	VERB
fsr-3457	39	22	ability	ability	NOUN
fsr-3457	39	23	to	to	PART
fsr-3457	39	24	apply	apply	VERB
fsr-3457	39	25	one	one	NUM
fsr-3457	39	26	’s	’s	PART
fsr-3457	39	27	knowledge	knowledge	NOUN
fsr-3457	39	28	(	(	PUNCT
fsr-3457	39	29	subjective	subjective	ADJ
fsr-3457	39	30	;	;	PUNCT
fsr-3457	39	31	huston	huston	PROPN
fsr-3457	39	32	,	,	PUNCT
fsr-3457	39	33	2010	2010	NUM
fsr-3457	39	34	)	)	PUNCT
fsr-3457	39	35	.	.	PUNCT
fsr-3457	40	1	risk	risk	NOUN
fsr-3457	40	2	literacy	literacy	NOUN
fsr-3457	40	3	is	be	AUX
fsr-3457	40	4	a	a	DET
fsr-3457	40	5	solely	solely	ADV
fsr-3457	40	6	objective	objective	ADJ
fsr-3457	40	7	measure	measure	NOUN
fsr-3457	40	8	of	of	ADP
fsr-3457	40	9	statistical	statistical	ADJ
fsr-3457	40	10	numeracy	numeracy	NOUN
fsr-3457	40	11	.	.	PUNCT
fsr-3457	41	1	objective	objective	ADJ
fsr-3457	41	2	numeracy	numeracy	NOUN
fsr-3457	41	3	can	can	AUX
fsr-3457	41	4	be	be	AUX
fsr-3457	41	5	related	relate	VERB
fsr-3457	41	6	to	to	ADP
fsr-3457	41	7	numeric	numeric	ADJ
fsr-3457	41	8	skills	skill	NOUN
fsr-3457	41	9	,	,	PUNCT
fsr-3457	41	10	including	include	VERB
fsr-3457	41	11	basic	basic	ADJ
fsr-3457	41	12	arithmetic	arithmetic	NOUN
fsr-3457	41	13	and	and	CCONJ
fsr-3457	41	14	statistics	statistic	NOUN
fsr-3457	41	15	(	(	PUNCT
fsr-3457	41	16	garcia	garcia	PROPN
fsr-3457	41	17	-	-	PUNCT
fsr-3457	41	18	retamero	retamero	PROPN
fsr-3457	41	19	&	&	CCONJ
fsr-3457	41	20	galesic	galesic	ADJ
fsr-3457	41	21	,	,	PUNCT
fsr-3457	41	22	2010	2010	NUM
fsr-3457	41	23	;	;	PUNCT
fsr-3457	41	24	gamliel	gamliel	PROPN
fsr-3457	41	25	et	et	PROPN
fsr-3457	41	26	al	al	PROPN
fsr-3457	41	27	.	.	PROPN
fsr-3457	41	28	,	,	PUNCT
fsr-3457	41	29	2016	2016	NUM
fsr-3457	41	30	)	)	PUNCT
fsr-3457	41	31	.	.	PUNCT
fsr-3457	42	1	risk	risk	NOUN
fsr-3457	42	2	literacy	literacy	NOUN
fsr-3457	42	3	in	in	ADP
fsr-3457	42	4	this	this	DET
fsr-3457	42	5	investigation	investigation	NOUN
fsr-3457	42	6	is	be	AUX
fsr-3457	42	7	the	the	DET
fsr-3457	42	8	statistical	statistical	ADJ
fsr-3457	42	9	,	,	PUNCT
fsr-3457	42	10	objective	objective	ADJ
fsr-3457	42	11	numeracy	numeracy	NOUN
fsr-3457	42	12	and	and	CCONJ
fsr-3457	42	13	will	will	AUX
fsr-3457	42	14	be	be	AUX
fsr-3457	42	15	referred	refer	VERB
fsr-3457	42	16	to	to	ADP
fsr-3457	42	17	as	as	ADP
fsr-3457	42	18	risk	risk	NOUN
fsr-3457	42	19	literacy	literacy	NOUN
fsr-3457	42	20	throughout	throughout	ADP
fsr-3457	42	21	the	the	DET
fsr-3457	42	22	remainder	remainder	NOUN
fsr-3457	42	23	of	of	ADP
fsr-3457	42	24	the	the	DET
fsr-3457	42	25	study	study	NOUN
fsr-3457	42	26	.	.	PUNCT
fsr-3457	43	1	as	as	ADP
fsr-3457	43	2	an	an	DET
fsr-3457	43	3	example	example	NOUN
fsr-3457	43	4	,	,	PUNCT
fsr-3457	43	5	testing	test	VERB
fsr-3457	43	6	individual	individual	ADJ
fsr-3457	43	7	risk	risk	NOUN
fsr-3457	43	8	literacy	literacy	NOUN
fsr-3457	43	9	may	may	AUX
fsr-3457	43	10	involve	involve	VERB
fsr-3457	43	11	calculating	calculate	VERB
fsr-3457	43	12	the	the	DET
fsr-3457	43	13	probability	probability	NOUN
fsr-3457	43	14	of	of	ADP
fsr-3457	43	15	an	an	DET
fsr-3457	43	16	event	event	NOUN
fsr-3457	43	17	occurring	occur	VERB
fsr-3457	43	18	,	,	PUNCT
fsr-3457	43	19	such	such	ADJ
fsr-3457	43	20	as	as	ADP
fsr-3457	43	21	how	how	SCONJ
fsr-3457	43	22	often	often	ADV
fsr-3457	43	23	a	a	DET
fsr-3457	43	24	die	die	NOUN
fsr-3457	43	25	loaded	load	VERB
fsr-3457	43	26	to	to	ADP
fsr-3457	43	27	land	land	NOUN
fsr-3457	43	28	on	on	ADP
fsr-3457	43	29	“	"	PUNCT
fsr-3457	43	30	6	6	NUM
fsr-3457	43	31	”	"	PUNCT
fsr-3457	43	32	should	should	AUX
fsr-3457	43	33	happen	happen	VERB
fsr-3457	43	34	on	on	ADP
fsr-3457	43	35	a	a	DET
fsr-3457	43	36	given	give	VERB
fsr-3457	43	37	number	number	NOUN
fsr-3457	43	38	of	of	ADP
fsr-3457	43	39	rolls	roll	NOUN
fsr-3457	43	40	.	.	PUNCT
fsr-3457	44	1	ongoing	ongoing	ADJ
fsr-3457	44	2	work	work	NOUN
fsr-3457	44	3	by	by	ADP
fsr-3457	44	4	researchers	researcher	NOUN
fsr-3457	44	5	involved	involve	VERB
fsr-3457	44	6	in	in	ADP
fsr-3457	44	7	the	the	DET
fsr-3457	44	8	development	development	NOUN
fsr-3457	44	9	of	of	ADP
fsr-3457	44	10	risk	risk	NOUN
fsr-3457	44	11	literacy	literacy	NOUN
fsr-3457	44	12	measures	measure	NOUN
fsr-3457	44	13	have	have	AUX
fsr-3457	44	14	proposed	propose	VERB
fsr-3457	44	15	a	a	DET
fsr-3457	44	16	framework	framework	NOUN
fsr-3457	44	17	known	know	VERB
fsr-3457	44	18	as	as	ADP
fsr-3457	44	19	skilled	skilled	ADJ
fsr-3457	44	20	decision	decision	NOUN
fsr-3457	44	21	theory	theory	NOUN
fsr-3457	44	22	(	(	PUNCT
fsr-3457	44	23	see	see	VERB
fsr-3457	44	24	cokely	cokely	NOUN
fsr-3457	44	25	,	,	PUNCT
fsr-3457	44	26	feltz	feltz	PROPN
fsr-3457	44	27	,	,	PUNCT
fsr-3457	44	28	ghazal	ghazal	PROPN
fsr-3457	44	29	,	,	PUNCT
fsr-3457	44	30	allan	allan	PROPN
fsr-3457	44	31	,	,	PUNCT
fsr-3457	44	32	petrova	petrova	PROPN
fsr-3457	44	33	,	,	PUNCT
fsr-3457	44	34	&	&	CCONJ
fsr-3457	44	35	garcia	garcia	PROPN
fsr-3457	44	36	-	-	PUNCT
fsr-3457	44	37	retamero	retamero	NOUN
fsr-3457	44	38	,	,	PUNCT
fsr-3457	44	39	in	in	ADP
fsr-3457	44	40	press	press	NOUN
fsr-3457	44	41	)	)	PUNCT
fsr-3457	44	42	.	.	PUNCT
fsr-3457	45	1	the	the	DET
fsr-3457	45	2	theory	theory	NOUN
fsr-3457	45	3	highlights	highlight	VERB
fsr-3457	45	4	visual	visual	ADJ
fsr-3457	45	5	aids	aid	NOUN
fsr-3457	45	6	and	and	CCONJ
fsr-3457	45	7	risk	risk	NOUN
fsr-3457	45	8	literacy	literacy	NOUN
fsr-3457	45	9	as	as	ADP
fsr-3457	45	10	the	the	DET
fsr-3457	45	11	two	two	NUM
fsr-3457	45	12	constructs	construct	NOUN
fsr-3457	45	13	that	that	PRON
fsr-3457	45	14	,	,	PUNCT
fsr-3457	45	15	“	"	PUNCT
fsr-3457	45	16	support	support	VERB
fsr-3457	45	17	skilled	skilled	ADJ
fsr-3457	45	18	decision	decision	NOUN
fsr-3457	45	19	making	make	VERB
fsr-3457	45	20	both	both	PRON
fsr-3457	45	21	directly	directly	ADV
fsr-3457	45	22	and	and	CCONJ
fsr-3457	45	23	indirectly	indirectly	ADV
fsr-3457	45	24	through	through	ADP
fsr-3457	45	25	metacognitive	metacognitive	ADJ
fsr-3457	45	26	effects	effect	NOUN
fsr-3457	45	27	”	"	PUNCT
fsr-3457	45	28	(	(	PUNCT
fsr-3457	45	29	p.	p.	NOUN
fsr-3457	45	30	34	34	NUM
fsr-3457	45	31	)	)	PUNCT
fsr-3457	45	32	.	.	PUNCT
fsr-3457	46	1	this	this	DET
fsr-3457	46	2	theory	theory	NOUN
fsr-3457	46	3	details	detail	VERB
fsr-3457	46	4	what	what	PRON
fsr-3457	46	5	individuals	individual	NOUN
fsr-3457	46	6	need	need	VERB
fsr-3457	46	7	(	(	PUNCT
fsr-3457	46	8	e.g.	e.g.	ADV
fsr-3457	46	9	,	,	PUNCT
fsr-3457	46	10	visual	visual	ADJ
fsr-3457	46	11	aids	aid	NOUN
fsr-3457	46	12	and	and	CCONJ
fsr-3457	46	13	risk	risk	NOUN
fsr-3457	46	14	literacy	literacy	NOUN
fsr-3457	46	15	)	)	PUNCT
fsr-3457	46	16	to	to	PART
fsr-3457	46	17	make	make	VERB
fsr-3457	46	18	skilled	skilled	ADJ
fsr-3457	46	19	decisions	decision	NOUN
fsr-3457	46	20	and	and	CCONJ
fsr-3457	46	21	how	how	SCONJ
fsr-3457	46	22	those	those	DET
fsr-3457	46	23	constructs	construct	NOUN
fsr-3457	46	24	impact	impact	VERB
fsr-3457	46	25	the	the	DET
fsr-3457	46	26	way	way	NOUN
fsr-3457	46	27	in	in	ADP
fsr-3457	46	28	which	which	PRON
fsr-3457	46	29	individuals	individual	NOUN
fsr-3457	46	30	deliberate	deliberate	VERB
fsr-3457	46	31	,	,	PUNCT
fsr-3457	46	32	build	build	VERB
fsr-3457	46	33	confidence	confidence	NOUN
fsr-3457	46	34	,	,	PUNCT
fsr-3457	46	35	comprehend	comprehend	VERB
fsr-3457	46	36	,	,	PUNCT
fsr-3457	46	37	and	and	CCONJ
fsr-3457	46	38	feel	feel	VERB
fsr-3457	46	39	(	(	PUNCT
fsr-3457	46	40	affect	affect	PROPN
fsr-3457	46	41	)	)	PUNCT
fsr-3457	46	42	when	when	SCONJ
fsr-3457	46	43	making	make	VERB
fsr-3457	46	44	decisions	decision	NOUN
fsr-3457	46	45	(	(	PUNCT
fsr-3457	46	46	cokely	cokely	ADV
fsr-3457	46	47	et	et	PROPN
fsr-3457	46	48	al	al	PROPN
fsr-3457	46	49	.	.	PROPN
fsr-3457	46	50	,	,	PUNCT
fsr-3457	46	51	in	in	ADP
fsr-3457	46	52	press	press	NOUN
fsr-3457	46	53	)	)	PUNCT
fsr-3457	46	54	.	.	PUNCT
fsr-3457	47	1	the	the	DET
fsr-3457	47	2	literature	literature	PROPN
fsr-3457	47	3	review	review	NOUN
fsr-3457	47	4	focuses	focus	VERB
fsr-3457	47	5	on	on	ADP
fsr-3457	47	6	risk	risk	NOUN
fsr-3457	47	7	literacy	literacy	NOUN
fsr-3457	47	8	,	,	PUNCT
fsr-3457	47	9	visual	visual	ADJ
fsr-3457	47	10	aids	aid	NOUN
fsr-3457	47	11	,	,	PUNCT
fsr-3457	47	12	and	and	CCONJ
fsr-3457	47	13	the	the	DET
fsr-3457	47	14	studies	study	NOUN
fsr-3457	47	15	that	that	PRON
fsr-3457	47	16	have	have	AUX
fsr-3457	47	17	applied	apply	VERB
fsr-3457	47	18	these	these	DET
fsr-3457	47	19	important	important	ADJ
fsr-3457	47	20	constructs	construct	NOUN
fsr-3457	47	21	to	to	ADP
fsr-3457	47	22	financial	financial	ADJ
fsr-3457	47	23	planning	planning	NOUN
fsr-3457	47	24	.	.	PUNCT
fsr-3457	48	1	2.1	2.1	NUM
fsr-3457	48	2	.	.	PUNCT
fsr-3457	48	3	risk	risk	NOUN
fsr-3457	48	4	literacy	literacy	NOUN
fsr-3457	48	5	risk	risk	NOUN
fsr-3457	48	6	literacy	literacy	NOUN
fsr-3457	48	7	has	have	AUX
fsr-3457	48	8	been	be	AUX
fsr-3457	48	9	used	use	VERB
fsr-3457	48	10	to	to	PART
fsr-3457	48	11	investigate	investigate	VERB
fsr-3457	48	12	the	the	DET
fsr-3457	48	13	ways	way	NOUN
fsr-3457	48	14	professionals	professional	NOUN
fsr-3457	48	15	understand	understand	VERB
fsr-3457	48	16	probabilities	probability	NOUN
fsr-3457	48	17	and	and	CCONJ
fsr-3457	48	18	how	how	SCONJ
fsr-3457	48	19	they	they	PRON
fsr-3457	48	20	then	then	ADV
fsr-3457	48	21	,	,	PUNCT
fsr-3457	48	22	in	in	ADP
fsr-3457	48	23	turn	turn	NOUN
fsr-3457	48	24	,	,	PUNCT
fsr-3457	48	25	help	help	VERB
fsr-3457	48	26	others	other	NOUN
fsr-3457	48	27	to	to	PART
fsr-3457	48	28	understand	understand	VERB
fsr-3457	48	29	or	or	CCONJ
fsr-3457	48	30	work	work	VERB
fsr-3457	48	31	with	with	ADP
fsr-3457	48	32	that	that	DET
fsr-3457	48	33	information	information	NOUN
fsr-3457	48	34	(	(	PUNCT
fsr-3457	48	35	e.g.	e.g.	ADV
fsr-3457	48	36	,	,	PUNCT
fsr-3457	48	37	surgeons	surgeon	NOUN
fsr-3457	48	38	and	and	CCONJ
fsr-3457	48	39	how	how	SCONJ
fsr-3457	48	40	they	they	PRON
fsr-3457	48	41	engage	engage	VERB
fsr-3457	48	42	with	with	ADP
fsr-3457	48	43	clients	client	NOUN
fsr-3457	48	44	when	when	SCONJ
fsr-3457	48	45	making	make	VERB
fsr-3457	48	46	surgical	surgical	ADJ
fsr-3457	48	47	decisions	decision	NOUN
fsr-3457	48	48	;	;	PUNCT
fsr-3457	48	49	garcia	garcia	PROPN
fsr-3457	48	50	-	-	PUNCT
fsr-3457	48	51	retamero	retamero	NOUN
fsr-3457	48	52	,	,	PUNCT
fsr-3457	48	53	cokely	cokely	NOUN
fsr-3457	48	54	,	,	PUNCT
fsr-3457	48	55	wicki	wicki	NOUN
fsr-3457	48	56	,	,	PUNCT
fsr-3457	48	57	&	&	CCONJ
fsr-3457	48	58	hanson	hanson	PROPN
fsr-3457	48	59	,	,	PUNCT
fsr-3457	48	60	2014	2014	NUM
fsr-3457	48	61	)	)	PUNCT
fsr-3457	48	62	.	.	PUNCT
fsr-3457	49	1	a	a	DET
fsr-3457	49	2	few	few	ADJ
fsr-3457	49	3	studies	study	NOUN
fsr-3457	49	4	have	have	AUX
fsr-3457	49	5	been	be	AUX
fsr-3457	49	6	published	publish	VERB
fsr-3457	49	7	looking	look	VERB
fsr-3457	49	8	at	at	ADP
fsr-3457	49	9	risk	risk	NOUN
fsr-3457	49	10	literacy	literacy	NOUN
fsr-3457	49	11	and	and	CCONJ
fsr-3457	49	12	financial	financial	ADJ
fsr-3457	49	13	planning	planning	NOUN
fsr-3457	49	14	topics	topic	NOUN
fsr-3457	49	15	.	.	PUNCT
fsr-3457	50	1	these	these	DET
fsr-3457	50	2	studies	study	NOUN
fsr-3457	50	3	have	have	AUX
fsr-3457	50	4	found	find	VERB
fsr-3457	50	5	that	that	SCONJ
fsr-3457	50	6	higher	high	ADJ
fsr-3457	50	7	risk	risk	NOUN
fsr-3457	50	8	literacy	literacy	NOUN
fsr-3457	50	9	is	be	AUX
fsr-3457	50	10	linked	link	VERB
fsr-3457	50	11	to	to	ADP
fsr-3457	50	12	better	well	ADJ
fsr-3457	50	13	insurance	insurance	NOUN
fsr-3457	50	14	decision	decision	NOUN
fsr-3457	50	15	-	-	PUNCT
fsr-3457	50	16	making	making	NOUN
fsr-3457	50	17	,	,	PUNCT
fsr-3457	50	18	higher	high	ADJ
fsr-3457	50	19	net	net	ADJ
fsr-3457	50	20	worth	worth	NOUN
fsr-3457	50	21	,	,	PUNCT
fsr-3457	50	22	a	a	DET
fsr-3457	50	23	desire	desire	NOUN
fsr-3457	50	24	for	for	ADP
fsr-3457	50	25	shared	share	VERB
fsr-3457	50	26	financial	financial	ADJ
fsr-3457	50	27	decisionmaking	decisionmaking	NOUN
fsr-3457	50	28	,	,	PUNCT
fsr-3457	50	29	and	and	CCONJ
fsr-3457	50	30	lower	low	ADJ
fsr-3457	50	31	risk	risk	NOUN
fsr-3457	50	32	tolerance	tolerance	NOUN
fsr-3457	50	33	(	(	PUNCT
fsr-3457	50	34	campara	campara	NOUN
fsr-3457	50	35	,	,	PUNCT
fsr-3457	50	36	paraboni	paraboni	NOUN
fsr-3457	50	37	,	,	PUNCT
fsr-3457	50	38	da	da	PROPN
fsr-3457	50	39	costa	costa	PROPN
fsr-3457	50	40	,	,	PUNCT
fsr-3457	50	41	saurin	saurin	NOUN
fsr-3457	50	42	,	,	PUNCT
fsr-3457	50	43	&	&	CCONJ
fsr-3457	50	44	lopes	lopes	PROPN
fsr-3457	50	45	,	,	PUNCT
fsr-3457	50	46	2017	2017	NUM
fsr-3457	50	47	;	;	PUNCT
fsr-3457	50	48	garcia	garcia	PROPN
fsr-3457	50	49	-	-	PUNCT
fsr-3457	50	50	retamero	retamero	PROPN
fsr-3457	50	51	&	&	CCONJ
fsr-3457	50	52	galesic	galesic	ADJ
fsr-3457	50	53	,	,	PUNCT
fsr-3457	50	54	2013	2013	NUM
fsr-3457	50	55	;	;	PUNCT
fsr-3457	50	56	petrova	petrova	PROPN
fsr-3457	50	57	,	,	PUNCT
fsr-3457	50	58	van	van	PROPN
fsr-3457	50	59	der	der	PROPN
fsr-3457	50	60	pligt	pligt	PROPN
fsr-3457	50	61	,	,	PUNCT
fsr-3457	50	62	&	&	CCONJ
fsr-3457	50	63	garcia	garcia	PROPN
fsr-3457	50	64	-	-	PUNCT
fsr-3457	50	65	retamero	retamero	NOUN
fsr-3457	50	66	,	,	PUNCT
fsr-3457	50	67	2014	2014	NUM
fsr-3457	50	68	;	;	PUNCT
fsr-3457	50	69	smith	smith	PROPN
fsr-3457	50	70	,	,	PUNCT
fsr-3457	50	71	mcardle	mcardle	PROPN
fsr-3457	50	72	,	,	PUNCT
fsr-3457	50	73	&	&	CCONJ
fsr-3457	50	74	willis	willis	PROPN
fsr-3457	50	75	,	,	PUNCT
fsr-3457	50	76	2010	2010	NUM
fsr-3457	50	77	)	)	PUNCT
fsr-3457	50	78	.	.	PUNCT
fsr-3457	51	1	2.2	2.2	NUM
fsr-3457	51	2	.	.	PUNCT
fsr-3457	51	3	visualization	visualization	NOUN
fsr-3457	51	4	and	and	CCONJ
fsr-3457	51	5	visual	visual	ADJ
fsr-3457	51	6	aids	aid	NOUN
fsr-3457	51	7	visualization	visualization	NOUN
fsr-3457	51	8	is	be	AUX
fsr-3457	51	9	a	a	DET
fsr-3457	51	10	wide	wide	ADJ
fsr-3457	51	11	and	and	CCONJ
fsr-3457	51	12	growing	grow	VERB
fsr-3457	51	13	field	field	NOUN
fsr-3457	51	14	encompassing	encompass	VERB
fsr-3457	51	15	studies	study	NOUN
fsr-3457	51	16	that	that	PRON
fsr-3457	51	17	investigate	investigate	VERB
fsr-3457	51	18	the	the	DET
fsr-3457	51	19	impact	impact	NOUN
fsr-3457	51	20	of	of	ADP
fsr-3457	51	21	data	datum	NOUN
fsr-3457	51	22	visualization	visualization	NOUN
fsr-3457	51	23	and	and	CCONJ
fsr-3457	51	24	constructs	construct	NOUN
fsr-3457	51	25	such	such	ADJ
fsr-3457	51	26	as	as	ADP
fsr-3457	51	27	spatial	spatial	ADJ
fsr-3457	51	28	ability	ability	NOUN
fsr-3457	51	29	and	and	CCONJ
fsr-3457	51	30	graph	graph	NOUN
fsr-3457	51	31	literacy	literacy	NOUN
fsr-3457	51	32	.	.	PUNCT
fsr-3457	52	1	spatial	spatial	ADJ
fsr-3457	52	2	ability	ability	NOUN
fsr-3457	52	3	refers	refer	VERB
fsr-3457	52	4	to	to	ADP
fsr-3457	52	5	one	one	NUM
fsr-3457	52	6	’s	’s	PART
fsr-3457	52	7	capability	capability	NOUN
fsr-3457	52	8	to	to	PART
fsr-3457	52	9	form	form	VERB
fsr-3457	52	10	mental	mental	ADJ
fsr-3457	52	11	representations	representation	NOUN
fsr-3457	52	12	and/or	and/or	CCONJ
fsr-3457	52	13	manipulate	manipulate	VERB
fsr-3457	52	14	these	these	DET
fsr-3457	52	15	representations	representation	NOUN
fsr-3457	52	16	of	of	ADP
fsr-3457	52	17	objects	object	NOUN
fsr-3457	52	18	in	in	ADP
fsr-3457	52	19	one	one	NUM
fsr-3457	52	20	’s	’s	PART
fsr-3457	52	21	mind	mind	NOUN
fsr-3457	52	22	(	(	PUNCT
fsr-3457	52	23	hegarty	hegarty	PROPN
fsr-3457	52	24	&	&	CCONJ
fsr-3457	52	25	kozhevnikov	kozhevnikov	PROPN
fsr-3457	52	26	,	,	PUNCT
fsr-3457	52	27	1999	1999	NUM
fsr-3457	52	28	)	)	PUNCT
fsr-3457	52	29	.	.	PUNCT
fsr-3457	53	1	studies	study	NOUN
fsr-3457	53	2	of	of	ADP
fsr-3457	53	3	visual	visual	ADJ
fsr-3457	53	4	-	-	PUNCT
fsr-3457	53	5	spatial	spatial	ADJ
fsr-3457	53	6	skill	skill	NOUN
fsr-3457	53	7	and	and	CCONJ
fsr-3457	53	8	numerical	numerical	ADJ
fsr-3457	53	9	skill	skill	NOUN
fsr-3457	53	10	find	find	VERB
fsr-3457	53	11	a	a	DET
fsr-3457	53	12	positive	positive	ADJ
fsr-3457	53	13	correlation	correlation	NOUN
fsr-3457	53	14	between	between	ADP
fsr-3457	53	15	visual	visual	ADJ
fsr-3457	53	16	-	-	PUNCT
fsr-3457	53	17	spatial	spatial	ADJ
fsr-3457	53	18	ability	ability	NOUN
fsr-3457	53	19	and	and	CCONJ
fsr-3457	53	20	numerical	numerical	ADJ
fsr-3457	53	21	ability	ability	NOUN
fsr-3457	53	22	(	(	PUNCT
fsr-3457	53	23	hegarty	hegarty	PROPN
fsr-3457	53	24	&	&	CCONJ
fsr-3457	53	25	kozhevnikov	kozhevnikov	PROPN
fsr-3457	53	26	,	,	PUNCT
fsr-3457	53	27	1999	1999	NUM
fsr-3457	53	28	;	;	PUNCT
fsr-3457	53	29	tosto	tosto	NOUN
fsr-3457	53	30	et	et	PROPN
fsr-3457	53	31	al	al	PROPN
fsr-3457	53	32	.	.	PROPN
fsr-3457	53	33	,	,	PUNCT
fsr-3457	53	34	2014	2014	NUM
fsr-3457	53	35	)	)	PUNCT
fsr-3457	53	36	.	.	PUNCT
fsr-3457	54	1	graph	graph	NOUN
fsr-3457	54	2	literacy	literacy	NOUN
fsr-3457	54	3	is	be	AUX
fsr-3457	54	4	the	the	DET
fsr-3457	54	5	ability	ability	NOUN
fsr-3457	54	6	to	to	PART
fsr-3457	54	7	understand	understand	VERB
fsr-3457	54	8	information	information	NOUN
fsr-3457	54	9	that	that	PRON
fsr-3457	54	10	has	have	AUX
fsr-3457	54	11	been	be	AUX
fsr-3457	54	12	presented	present	VERB
fsr-3457	54	13	graphically	graphically	ADV
fsr-3457	54	14	and	and	CCONJ
fsr-3457	54	15	make	make	VERB
fsr-3457	54	16	decisions	decision	NOUN
fsr-3457	54	17	or	or	CCONJ
fsr-3457	54	18	draw	draw	VERB
fsr-3457	54	19	conclusions	conclusion	NOUN
fsr-3457	54	20	based	base	VERB
fsr-3457	54	21	on	on	ADP
fsr-3457	54	22	that	that	DET
fsr-3457	54	23	information	information	NOUN
fsr-3457	54	24	(	(	PUNCT
fsr-3457	54	25	okan	okan	PROPN
fsr-3457	54	26	,	,	PUNCT
fsr-3457	54	27	galesic	galesic	ADJ
fsr-3457	54	28	,	,	PUNCT
fsr-3457	54	29	garcia	garcia	PROPN
fsr-3457	54	30	-	-	PUNCT
fsr-3457	54	31	retamero	retamero	NOUN
fsr-3457	54	32	,	,	PUNCT
fsr-3457	54	33	2016	2016	NUM
fsr-3457	54	34	;	;	PUNCT
fsr-3457	54	35	shah	shah	PROPN
fsr-3457	54	36	&	&	CCONJ
fsr-3457	54	37	m.	m.	PROPN
fsr-3457	54	38	r.	r.	PROPN
fsr-3457	54	39	lurtz	lurtz	PROPN
fsr-3457	54	40	et	et	PROPN
fsr-3457	54	41	al	al	PROPN
fsr-3457	54	42	.	.	PUNCT
fsr-3457	54	43	/	/	SYM
fsr-3457	54	44	financial	financial	ADJ
fsr-3457	54	45	services	service	NOUN
fsr-3457	54	46	review	review	VERB
fsr-3457	54	47	29	29	NUM
fsr-3457	54	48	(	(	PUNCT
fsr-3457	54	49	2021	2021	NUM
fsr-3457	54	50	)	)	PUNCT
fsr-3457	55	1	209–225	209–225	NUM
fsr-3457	55	2	211	211	NUM
fsr-3457	55	3	freedman	freedman	NOUN
fsr-3457	55	4	,	,	PUNCT
fsr-3457	55	5	2011	2011	NUM
fsr-3457	55	6	)	)	PUNCT
fsr-3457	55	7	and	and	CCONJ
fsr-3457	55	8	has	have	AUX
fsr-3457	55	9	been	be	AUX
fsr-3457	55	10	linked	link	VERB
fsr-3457	55	11	to	to	ADP
fsr-3457	55	12	higher	high	ADJ
fsr-3457	55	13	levels	level	NOUN
fsr-3457	55	14	of	of	ADP
fsr-3457	55	15	education	education	NOUN
fsr-3457	55	16	(	(	PUNCT
fsr-3457	55	17	galesic	galesic	ADJ
fsr-3457	55	18	&	&	CCONJ
fsr-3457	55	19	garciaretamero	garciaretamero	PROPN
fsr-3457	55	20	,	,	PUNCT
fsr-3457	55	21	2011	2011	NUM
fsr-3457	55	22	)	)	PUNCT
fsr-3457	55	23	.	.	PUNCT
fsr-3457	56	1	data	datum	NOUN
fsr-3457	56	2	visualization	visualization	NOUN
fsr-3457	56	3	is	be	AUX
fsr-3457	56	4	the	the	DET
fsr-3457	56	5	field	field	NOUN
fsr-3457	56	6	of	of	ADP
fsr-3457	56	7	study	study	NOUN
fsr-3457	56	8	provides	provide	VERB
fsr-3457	56	9	insight	insight	NOUN
fsr-3457	56	10	into	into	ADP
fsr-3457	56	11	just	just	ADV
fsr-3457	56	12	how	how	SCONJ
fsr-3457	56	13	information	information	NOUN
fsr-3457	56	14	can	can	AUX
fsr-3457	56	15	be	be	AUX
fsr-3457	56	16	presented	present	VERB
fsr-3457	56	17	to	to	PART
fsr-3457	56	18	enhance	enhance	VERB
fsr-3457	56	19	understanding	understanding	NOUN
fsr-3457	56	20	(	(	PUNCT
fsr-3457	56	21	knaflic	knaflic	ADJ
fsr-3457	56	22	,	,	PUNCT
fsr-3457	56	23	2015	2015	NUM
fsr-3457	56	24	)	)	PUNCT
fsr-3457	56	25	.	.	PUNCT
fsr-3457	57	1	research	research	NOUN
fsr-3457	57	2	on	on	ADP
fsr-3457	57	3	the	the	DET
fsr-3457	57	4	usefulness	usefulness	NOUN
fsr-3457	57	5	of	of	ADP
fsr-3457	57	6	visual	visual	ADJ
fsr-3457	57	7	aids	aid	NOUN
fsr-3457	57	8	in	in	ADP
fsr-3457	57	9	financial	financial	ADJ
fsr-3457	57	10	planning	planning	NOUN
fsr-3457	57	11	,	,	PUNCT
fsr-3457	57	12	such	such	ADJ
fsr-3457	57	13	as	as	ADP
fsr-3457	57	14	mind	mind	NOUN
fsr-3457	57	15	-	-	PUNCT
fsr-3457	57	16	mapping	mapping	NOUN
fsr-3457	57	17	and	and	CCONJ
fsr-3457	57	18	the	the	DET
fsr-3457	57	19	happiness	happiness	NOUN
fsr-3457	57	20	risk	risk	NOUN
fsr-3457	57	21	/	/	SYM
fsr-3457	57	22	reward	reward	NOUN
fsr-3457	57	23	pyramid	pyramid	NOUN
fsr-3457	57	24	,	,	PUNCT
fsr-3457	57	25	have	have	AUX
fsr-3457	57	26	assisted	assist	VERB
fsr-3457	57	27	financial	financial	ADJ
fsr-3457	57	28	planners	planner	NOUN
fsr-3457	57	29	and	and	CCONJ
fsr-3457	57	30	their	their	PRON
fsr-3457	57	31	clients	client	NOUN
fsr-3457	57	32	to	to	PART
fsr-3457	57	33	better	well	ADV
fsr-3457	57	34	communicate	communicate	VERB
fsr-3457	57	35	about	about	ADP
fsr-3457	57	36	decisions	decision	NOUN
fsr-3457	57	37	across	across	ADP
fsr-3457	57	38	all	all	DET
fsr-3457	57	39	seven	seven	NUM
fsr-3457	57	40	steps	step	NOUN
fsr-3457	57	41	of	of	ADP
fsr-3457	57	42	the	the	DET
fsr-3457	57	43	personal	personal	ADJ
fsr-3457	57	44	financial	financial	ADJ
fsr-3457	57	45	planning	planning	NOUN
fsr-3457	57	46	process	process	NOUN
fsr-3457	57	47	(	(	PUNCT
fsr-3457	57	48	rouillier	rouillier	ADV
fsr-3457	57	49	,	,	PUNCT
fsr-3457	57	50	2011	2011	NUM
fsr-3457	57	51	;	;	PUNCT
fsr-3457	57	52	van	van	PROPN
fsr-3457	57	53	zutphen	zutphen	PROPN
fsr-3457	57	54	,	,	PUNCT
fsr-3457	57	55	2010	2010	NUM
fsr-3457	57	56	)	)	PUNCT
fsr-3457	57	57	.	.	PUNCT
fsr-3457	58	1	a	a	DET
fsr-3457	58	2	powerful	powerful	ADJ
fsr-3457	58	3	visual	visual	ADJ
fsr-3457	58	4	aid	aid	NOUN
fsr-3457	58	5	used	use	VERB
fsr-3457	58	6	by	by	ADP
fsr-3457	58	7	financial	financial	ADJ
fsr-3457	58	8	advisors	advisor	NOUN
fsr-3457	58	9	,	,	PUNCT
fsr-3457	58	10	coaches	coach	NOUN
fsr-3457	58	11	and	and	CCONJ
fsr-3457	58	12	therapists	therapist	NOUN
fsr-3457	58	13	to	to	PART
fsr-3457	58	14	help	help	VERB
fsr-3457	58	15	clients	client	NOUN
fsr-3457	58	16	connect	connect	VERB
fsr-3457	58	17	with	with	ADP
fsr-3457	58	18	their	their	PRON
fsr-3457	58	19	future	future	NOUN
fsr-3457	58	20	and	and	CCONJ
fsr-3457	58	21	plan	plan	NOUN
fsr-3457	58	22	over	over	ADP
fsr-3457	58	23	a	a	DET
fsr-3457	58	24	life	life	NOUN
fsr-3457	58	25	span	span	NOUN
fsr-3457	58	26	takes	take	VERB
fsr-3457	58	27	a	a	DET
fsr-3457	58	28	tape	tape	NOUN
fsr-3457	58	29	-	-	PUNCT
fsr-3457	58	30	measure	measure	NOUN
fsr-3457	58	31	that	that	PRON
fsr-3457	58	32	the	the	DET
fsr-3457	58	33	client	client	NOUN
fsr-3457	58	34	cuts	cut	NOUN
fsr-3457	58	35	and	and	CCONJ
fsr-3457	58	36	manipulates	manipulate	NOUN
fsr-3457	58	37	to	to	PART
fsr-3457	58	38	represent	represent	VERB
fsr-3457	58	39	the	the	DET
fsr-3457	58	40	life	life	NOUN
fsr-3457	58	41	that	that	PRON
fsr-3457	58	42	they	they	PRON
fsr-3457	58	43	have	have	VERB
fsr-3457	58	44	yet	yet	ADV
fsr-3457	58	45	to	to	PART
fsr-3457	58	46	live	live	VERB
fsr-3457	58	47	(	(	PUNCT
fsr-3457	58	48	klontz	klontz	PROPN
fsr-3457	58	49	,	,	PUNCT
fsr-3457	58	50	kahler	kahler	NOUN
fsr-3457	58	51	,	,	PUNCT
fsr-3457	58	52	&	&	CCONJ
fsr-3457	58	53	klontz	klontz	PROPN
fsr-3457	58	54	,	,	PUNCT
fsr-3457	58	55	2016	2016	NUM
fsr-3457	58	56	)	)	PUNCT
fsr-3457	58	57	.	.	PUNCT
fsr-3457	59	1	narrowing	narrow	VERB
fsr-3457	59	2	the	the	DET
fsr-3457	59	3	focus	focus	NOUN
fsr-3457	59	4	to	to	ADP
fsr-3457	59	5	just	just	ADV
fsr-3457	59	6	portfolio	portfolio	NOUN
fsr-3457	59	7	risk	risk	NOUN
fsr-3457	59	8	,	,	PUNCT
fsr-3457	59	9	a	a	DET
fsr-3457	59	10	study	study	NOUN
fsr-3457	59	11	using	use	VERB
fsr-3457	59	12	finvis	finvis	PROPN
fsr-3457	59	13	,	,	PUNCT
fsr-3457	59	14	built	build	VERB
fsr-3457	59	15	to	to	PART
fsr-3457	59	16	help	help	VERB
fsr-3457	59	17	financial	financial	ADJ
fsr-3457	59	18	planning	planning	NOUN
fsr-3457	59	19	clients	client	NOUN
fsr-3457	59	20	visualize	visualize	VERB
fsr-3457	59	21	portfolio	portfolio	NOUN
fsr-3457	59	22	decisions	decision	NOUN
fsr-3457	59	23	—	—	PUNCT
fsr-3457	59	24	found	find	VERB
fsr-3457	59	25	that	that	SCONJ
fsr-3457	59	26	individuals	individual	NOUN
fsr-3457	59	27	using	use	VERB
fsr-3457	59	28	the	the	DET
fsr-3457	59	29	software	software	NOUN
fsr-3457	59	30	(	(	PUNCT
fsr-3457	59	31	1	1	X
fsr-3457	59	32	)	)	PUNCT
fsr-3457	59	33	improved	improved	ADJ
fsr-3457	59	34	decision	decision	NOUN
fsr-3457	59	35	-	-	PUNCT
fsr-3457	59	36	making	making	NOUN
fsr-3457	59	37	,	,	PUNCT
fsr-3457	59	38	(	(	PUNCT
fsr-3457	59	39	2	2	X
fsr-3457	59	40	)	)	PUNCT
fsr-3457	59	41	increased	increase	VERB
fsr-3457	59	42	learning	learning	NOUN
fsr-3457	59	43	and	and	CCONJ
fsr-3457	59	44	reduced	reduced	ADJ
fsr-3457	59	45	ambiguity	ambiguity	NOUN
fsr-3457	59	46	,	,	PUNCT
fsr-3457	59	47	and	and	CCONJ
fsr-3457	59	48	(	(	PUNCT
fsr-3457	59	49	3	3	X
fsr-3457	59	50	)	)	PUNCT
fsr-3457	59	51	increased	increase	VERB
fsr-3457	59	52	confidence	confidence	NOUN
fsr-3457	59	53	in	in	ADP
fsr-3457	59	54	understating	understating	NOUN
fsr-3457	59	55	of	of	ADP
fsr-3457	59	56	the	the	DET
fsr-3457	59	57	financial	financial	ADJ
fsr-3457	59	58	decisions	decision	NOUN
fsr-3457	59	59	they	they	PRON
fsr-3457	59	60	were	be	AUX
fsr-3457	59	61	making	make	VERB
fsr-3457	59	62	(	(	PUNCT
fsr-3457	59	63	rudolph	rudolph	PROPN
fsr-3457	59	64	,	,	PUNCT
fsr-3457	59	65	savikhin	savikhin	ADJ
fsr-3457	59	66	,	,	PUNCT
fsr-3457	59	67	&	&	CCONJ
fsr-3457	59	68	ebert	ebert	PROPN
fsr-3457	59	69	,	,	PUNCT
fsr-3457	59	70	2009	2009	NUM
fsr-3457	59	71	)	)	PUNCT
fsr-3457	59	72	.	.	PUNCT
fsr-3457	60	1	these	these	DET
fsr-3457	60	2	results	result	NOUN
fsr-3457	60	3	are	be	AUX
fsr-3457	60	4	similar	similar	ADJ
fsr-3457	60	5	to	to	ADP
fsr-3457	60	6	the	the	DET
fsr-3457	60	7	results	result	NOUN
fsr-3457	60	8	from	from	ADP
fsr-3457	60	9	garcia	garcia	PROPN
fsr-3457	60	10	-	-	PUNCT
fsr-3457	60	11	retamero	retamero	NOUN
fsr-3457	60	12	,	,	PUNCT
fsr-3457	60	13	cokely	cokely	NOUN
fsr-3457	60	14	,	,	PUNCT
fsr-3457	60	15	wicki	wicki	NOUN
fsr-3457	60	16	,	,	PUNCT
fsr-3457	60	17	&	&	CCONJ
fsr-3457	60	18	joeris	joeris	PROPN
fsr-3457	60	19	,	,	PUNCT
fsr-3457	60	20	(	(	PUNCT
fsr-3457	60	21	2016	2016	NUM
fsr-3457	60	22	)	)	PUNCT
fsr-3457	60	23	who	who	PRON
fsr-3457	60	24	found	find	VERB
fsr-3457	60	25	that	that	SCONJ
fsr-3457	60	26	lownumerate	lownumerate	ADJ
fsr-3457	60	27	surgeons	surgeon	NOUN
fsr-3457	60	28	when	when	SCONJ
fsr-3457	60	29	provided	provide	VERB
fsr-3457	60	30	with	with	ADP
fsr-3457	60	31	an	an	DET
fsr-3457	60	32	icon	icon	NOUN
fsr-3457	60	33	describing	describe	VERB
fsr-3457	60	34	the	the	DET
fsr-3457	60	35	risks	risk	NOUN
fsr-3457	60	36	associated	associate	VERB
fsr-3457	60	37	with	with	ADP
fsr-3457	60	38	a	a	DET
fsr-3457	60	39	surgery	surgery	NOUN
fsr-3457	60	40	were	be	AUX
fsr-3457	60	41	not	not	PART
fsr-3457	60	42	only	only	ADV
fsr-3457	60	43	more	more	ADV
fsr-3457	60	44	accurate	accurate	ADJ
fsr-3457	60	45	choosing	choose	VERB
fsr-3457	60	46	the	the	DET
fsr-3457	60	47	correct	correct	ADJ
fsr-3457	60	48	assessment	assessment	NOUN
fsr-3457	60	49	of	of	ADP
fsr-3457	60	50	risk	risk	NOUN
fsr-3457	60	51	,	,	PUNCT
fsr-3457	60	52	but	but	CCONJ
fsr-3457	60	53	also	also	ADV
fsr-3457	60	54	spent	spend	VERB
fsr-3457	60	55	more	more	ADJ
fsr-3457	60	56	time	time	NOUN
fsr-3457	60	57	making	make	VERB
fsr-3457	60	58	decisions	decision	NOUN
fsr-3457	60	59	.	.	PUNCT
fsr-3457	61	1	this	this	DET
fsr-3457	61	2	literature	literature	NOUN
fsr-3457	61	3	points	point	VERB
fsr-3457	61	4	to	to	ADP
fsr-3457	61	5	how	how	SCONJ
fsr-3457	61	6	visual	visual	ADJ
fsr-3457	61	7	aids	aid	NOUN
fsr-3457	61	8	can	can	AUX
fsr-3457	61	9	increase	increase	VERB
fsr-3457	61	10	confidence	confidence	NOUN
fsr-3457	61	11	,	,	PUNCT
fsr-3457	61	12	understanding	understanding	NOUN
fsr-3457	61	13	,	,	PUNCT
fsr-3457	61	14	and	and	CCONJ
fsr-3457	61	15	impact	impact	VERB
fsr-3457	61	16	resulting	result	VERB
fsr-3457	61	17	decision	decision	NOUN
fsr-3457	61	18	quality	quality	NOUN
fsr-3457	61	19	.	.	PUNCT
fsr-3457	62	1	3	3	X
fsr-3457	62	2	.	.	X
fsr-3457	62	3	theoretical	theoretical	ADJ
fsr-3457	62	4	framework	framework	NOUN
fsr-3457	62	5	skilled	skilled	ADJ
fsr-3457	62	6	decision	decision	NOUN
fsr-3457	62	7	theory	theory	NOUN
fsr-3457	62	8	details	detail	VERB
fsr-3457	62	9	the	the	DET
fsr-3457	62	10	decision	decision	NOUN
fsr-3457	62	11	-	-	PUNCT
fsr-3457	62	12	making	make	VERB
fsr-3457	62	13	process	process	NOUN
fsr-3457	62	14	through	through	ADP
fsr-3457	62	15	which	which	PRON
fsr-3457	62	16	“	"	PUNCT
fsr-3457	62	17	novices	novice	NOUN
fsr-3457	62	18	”	"	PUNCT
fsr-3457	62	19	or	or	CCONJ
fsr-3457	62	20	non	non	NOUN
fsr-3457	62	21	-	-	NOUN
fsr-3457	62	22	experts	expert	NOUN
fsr-3457	62	23	and	and	CCONJ
fsr-3457	62	24	experts	expert	NOUN
fsr-3457	62	25	travel	travel	VERB
fsr-3457	62	26	through	through	ADP
fsr-3457	62	27	to	to	PART
fsr-3457	62	28	arrive	arrive	VERB
fsr-3457	62	29	at	at	ADP
fsr-3457	62	30	a	a	DET
fsr-3457	62	31	well	well	ADV
fsr-3457	62	32	-	-	PUNCT
fsr-3457	62	33	informed	inform	VERB
fsr-3457	62	34	or	or	CCONJ
fsr-3457	62	35	skilled	skilled	ADJ
fsr-3457	62	36	decision	decision	NOUN
fsr-3457	62	37	(	(	PUNCT
fsr-3457	62	38	cokely	cokely	ADV
fsr-3457	62	39	et	et	PROPN
fsr-3457	62	40	al	al	PROPN
fsr-3457	62	41	.	.	PROPN
fsr-3457	62	42	,	,	PUNCT
fsr-3457	62	43	in	in	ADP
fsr-3457	62	44	press	press	NOUN
fsr-3457	62	45	)	)	PUNCT
fsr-3457	62	46	.	.	PUNCT
fsr-3457	63	1	the	the	DET
fsr-3457	63	2	theory	theory	NOUN
fsr-3457	63	3	was	be	AUX
fsr-3457	63	4	developed	develop	VERB
fsr-3457	63	5	based	base	VERB
fsr-3457	63	6	on	on	ADP
fsr-3457	63	7	numerous	numerous	ADJ
fsr-3457	63	8	previous	previous	ADJ
fsr-3457	63	9	studies	study	NOUN
fsr-3457	63	10	of	of	ADP
fsr-3457	63	11	how	how	SCONJ
fsr-3457	63	12	average	average	ADJ
fsr-3457	63	13	individuals	individual	NOUN
fsr-3457	63	14	as	as	ADV
fsr-3457	63	15	well	well	ADV
fsr-3457	63	16	as	as	ADP
fsr-3457	63	17	experts	expert	NOUN
fsr-3457	63	18	process	process	NOUN
fsr-3457	63	19	and	and	CCONJ
fsr-3457	63	20	arrive	arrive	VERB
fsr-3457	63	21	at	at	ADP
fsr-3457	63	22	a	a	DET
fsr-3457	63	23	decision	decision	NOUN
fsr-3457	63	24	,	,	PUNCT
fsr-3457	63	25	and	and	CCONJ
fsr-3457	63	26	what	what	PRON
fsr-3457	63	27	can	can	AUX
fsr-3457	63	28	be	be	AUX
fsr-3457	63	29	done	do	VERB
fsr-3457	63	30	to	to	PART
fsr-3457	63	31	influence	influence	VERB
fsr-3457	63	32	arrival	arrival	NOUN
fsr-3457	63	33	at	at	ADP
fsr-3457	63	34	a	a	DET
fsr-3457	63	35	“	"	PUNCT
fsr-3457	63	36	skilled	skilled	ADJ
fsr-3457	63	37	decision	decision	NOUN
fsr-3457	63	38	,	,	PUNCT
fsr-3457	63	39	”	"	PUNCT
fsr-3457	63	40	across	across	ADP
fsr-3457	63	41	a	a	DET
fsr-3457	63	42	wide	wide	ADJ
fsr-3457	63	43	range	range	NOUN
fsr-3457	63	44	of	of	ADP
fsr-3457	63	45	contexts	contexts	NOUN
fsr-3457	63	46	(	(	PUNCT
fsr-3457	63	47	e.g.	e.g.	ADV
fsr-3457	63	48	,	,	PUNCT
fsr-3457	63	49	surgery	surgery	NOUN
fsr-3457	63	50	,	,	PUNCT
fsr-3457	63	51	insurance	insurance	NOUN
fsr-3457	63	52	,	,	PUNCT
fsr-3457	63	53	or	or	CCONJ
fsr-3457	63	54	precautionary	precautionary	ADJ
fsr-3457	63	55	health	health	NOUN
fsr-3457	63	56	)	)	PUNCT
fsr-3457	63	57	(	(	PUNCT
fsr-3457	63	58	cokely	cokely	ADV
fsr-3457	63	59	et	et	PROPN
fsr-3457	63	60	al	al	PROPN
fsr-3457	63	61	.	.	PROPN
fsr-3457	63	62	,	,	PUNCT
fsr-3457	63	63	in	in	ADP
fsr-3457	63	64	press	press	NOUN
fsr-3457	63	65	)	)	PUNCT
fsr-3457	63	66	.	.	PUNCT
fsr-3457	64	1	as	as	ADP
fsr-3457	64	2	such	such	ADJ
fsr-3457	64	3	,	,	PUNCT
fsr-3457	64	4	the	the	DET
fsr-3457	64	5	theory	theory	NOUN
fsr-3457	64	6	organizes	organize	VERB
fsr-3457	64	7	the	the	DET
fsr-3457	64	8	decision	decision	NOUN
fsr-3457	64	9	-	-	PUNCT
fsr-3457	64	10	making	make	VERB
fsr-3457	64	11	process	process	NOUN
fsr-3457	64	12	linearly	linearly	ADV
fsr-3457	64	13	.	.	PUNCT
fsr-3457	65	1	the	the	DET
fsr-3457	65	2	decision	decision	NOUN
fsr-3457	65	3	-	-	PUNCT
fsr-3457	65	4	maker	maker	NOUN
fsr-3457	65	5	begins	begin	VERB
fsr-3457	65	6	the	the	DET
fsr-3457	65	7	decision	decision	NOUN
fsr-3457	65	8	process	process	NOUN
fsr-3457	65	9	with	with	ADP
fsr-3457	65	10	a	a	DET
fsr-3457	65	11	certain	certain	ADJ
fsr-3457	65	12	amount	amount	NOUN
fsr-3457	65	13	of	of	ADP
fsr-3457	65	14	risk	risk	NOUN
fsr-3457	65	15	literacy	literacy	NOUN
fsr-3457	65	16	and/or	and/or	CCONJ
fsr-3457	65	17	the	the	DET
fsr-3457	65	18	use	use	NOUN
fsr-3457	65	19	of	of	ADP
fsr-3457	65	20	visual	visual	ADJ
fsr-3457	65	21	aids	aid	NOUN
fsr-3457	65	22	(	(	PUNCT
fsr-3457	65	23	fig	fig	NOUN
fsr-3457	65	24	.	.	PUNCT
fsr-3457	65	25	1	1	NUM
fsr-3457	65	26	)	)	PUNCT
fsr-3457	65	27	.	.	PUNCT
fsr-3457	66	1	visual	visual	ADJ
fsr-3457	66	2	aids	aids	PROPN
fsr-3457	66	3	may	may	AUX
fsr-3457	66	4	range	range	VERB
fsr-3457	66	5	in	in	ADP
fsr-3457	66	6	type	type	NOUN
fsr-3457	66	7	or	or	CCONJ
fsr-3457	66	8	style	style	NOUN
fsr-3457	66	9	but	but	CCONJ
fsr-3457	66	10	are	be	AUX
fsr-3457	66	11	tools	tool	NOUN
fsr-3457	66	12	that	that	PRON
fsr-3457	66	13	help	help	VERB
fsr-3457	66	14	individuals	individual	NOUN
fsr-3457	66	15	understand	understand	VERB
fsr-3457	66	16	probabilities	probability	NOUN
fsr-3457	66	17	,	,	PUNCT
fsr-3457	66	18	percentages	percentage	NOUN
fsr-3457	66	19	,	,	PUNCT
fsr-3457	66	20	and	and	CCONJ
fsr-3457	66	21	proportions	proportion	NOUN
fsr-3457	66	22	.	.	PUNCT
fsr-3457	67	1	other	other	ADJ
fsr-3457	67	2	constructs	construct	NOUN
fsr-3457	67	3	include	include	VERB
fsr-3457	67	4	deliberation	deliberation	NOUN
fsr-3457	67	5	,	,	PUNCT
fsr-3457	67	6	confidence	confidence	NOUN
fsr-3457	67	7	,	,	PUNCT
fsr-3457	67	8	comprehension	comprehension	NOUN
fsr-3457	67	9	,	,	PUNCT
fsr-3457	67	10	and	and	CCONJ
fsr-3457	67	11	affect	affect	VERB
fsr-3457	67	12	,	,	PUNCT
fsr-3457	67	13	each	each	PRON
fsr-3457	67	14	having	have	VERB
fsr-3457	67	15	a	a	DET
fsr-3457	67	16	relationship	relationship	NOUN
fsr-3457	67	17	with	with	ADP
fsr-3457	67	18	the	the	DET
fsr-3457	67	19	use	use	NOUN
fsr-3457	67	20	of	of	ADP
fsr-3457	67	21	visual	visual	ADJ
fsr-3457	67	22	aids	aid	NOUN
fsr-3457	67	23	and	and	CCONJ
fsr-3457	67	24	risk	risk	NOUN
fsr-3457	67	25	literacy	literacy	NOUN
fsr-3457	67	26	.	.	PUNCT
fsr-3457	68	1	the	the	DET
fsr-3457	68	2	deliberation	deliberation	NOUN
fsr-3457	68	3	construct	construct	NOUN
fsr-3457	68	4	is	be	AUX
fsr-3457	68	5	thinking	think	VERB
fsr-3457	68	6	about	about	ADP
fsr-3457	68	7	the	the	DET
fsr-3457	68	8	problem	problem	NOUN
fsr-3457	68	9	at	at	ADP
fsr-3457	68	10	hand	hand	NOUN
fsr-3457	68	11	.	.	PUNCT
fsr-3457	69	1	both	both	PRON
fsr-3457	69	2	indiosyncratic	indiosyncratic	ADJ
fsr-3457	69	3	risk	risk	NOUN
fsr-3457	69	4	literacy	literacy	NOUN
fsr-3457	69	5	and	and	CCONJ
fsr-3457	69	6	visual	visual	ADJ
fsr-3457	69	7	aids	aid	NOUN
fsr-3457	69	8	/	/	SYM
fsr-3457	69	9	tools	tool	NOUN
fsr-3457	69	10	may	may	AUX
fsr-3457	69	11	help	help	VERB
fsr-3457	69	12	or	or	CCONJ
fsr-3457	69	13	hinder	hinder	VERB
fsr-3457	69	14	individual	individual	ADJ
fsr-3457	69	15	understanding	understanding	NOUN
fsr-3457	69	16	of	of	ADP
fsr-3457	69	17	the	the	DET
fsr-3457	69	18	problem	problem	NOUN
fsr-3457	69	19	.	.	PUNCT
fsr-3457	70	1	confidence	confidence	NOUN
fsr-3457	70	2	follows	follow	VERB
fsr-3457	70	3	deliberation	deliberation	NOUN
fsr-3457	70	4	.	.	PUNCT
fsr-3457	71	1	the	the	DET
fsr-3457	71	2	confidence	confidence	NOUN
fsr-3457	71	3	construct	construct	NOUN
fsr-3457	71	4	is	be	AUX
fsr-3457	71	5	related	relate	VERB
fsr-3457	71	6	to	to	ADP
fsr-3457	71	7	one	one	NUM
fsr-3457	71	8	’s	’s	PART
fsr-3457	71	9	confidence	confidence	NOUN
fsr-3457	71	10	in	in	ADP
fsr-3457	71	11	one	one	NUM
fsr-3457	71	12	’s	’s	PART
fsr-3457	71	13	knowledge	knowledge	NOUN
fsr-3457	71	14	and	and	CCONJ
fsr-3457	71	15	one	one	NOUN
fsr-3457	71	16	’s	’s	PART
fsr-3457	71	17	confidence	confidence	NOUN
fsr-3457	71	18	in	in	ADP
fsr-3457	71	19	their	their	PRON
fsr-3457	71	20	ability	ability	NOUN
fsr-3457	71	21	to	to	PART
fsr-3457	71	22	carry	carry	VERB
fsr-3457	71	23	out	out	ADP
fsr-3457	71	24	any	any	DET
fsr-3457	71	25	subsequent	subsequent	ADJ
fsr-3457	71	26	behavior	behavior	NOUN
fsr-3457	71	27	related	relate	VERB
fsr-3457	71	28	to	to	ADP
fsr-3457	71	29	the	the	DET
fsr-3457	71	30	decision	decision	NOUN
fsr-3457	71	31	.	.	PUNCT
fsr-3457	72	1	confidence	confidence	NOUN
fsr-3457	72	2	is	be	AUX
fsr-3457	72	3	influenced	influence	VERB
fsr-3457	72	4	by	by	ADP
fsr-3457	72	5	visual	visual	ADJ
fsr-3457	72	6	aids	aid	NOUN
fsr-3457	72	7	and	and	CCONJ
fsr-3457	72	8	risk	risk	NOUN
fsr-3457	72	9	literacy	literacy	NOUN
fsr-3457	72	10	.	.	PUNCT
fsr-3457	73	1	comprehension	comprehension	NOUN
fsr-3457	73	2	is	be	AUX
fsr-3457	73	3	the	the	DET
fsr-3457	73	4	next	next	ADJ
fsr-3457	73	5	construct	construct	NOUN
fsr-3457	73	6	and	and	CCONJ
fsr-3457	73	7	it	it	PRON
fsr-3457	73	8	is	be	AUX
fsr-3457	73	9	also	also	ADV
fsr-3457	73	10	influenced	influence	VERB
fsr-3457	73	11	by	by	ADP
fsr-3457	73	12	visual	visual	ADJ
fsr-3457	73	13	aids	aid	NOUN
fsr-3457	73	14	and	and	CCONJ
fsr-3457	73	15	risk	risk	NOUN
fsr-3457	73	16	literacy	literacy	NOUN
fsr-3457	73	17	.	.	PUNCT
fsr-3457	74	1	visual	visual	ADJ
fsr-3457	74	2	aids	aid	NOUN
fsr-3457	74	3	and	and	CCONJ
fsr-3457	74	4	one	one	NUM
fsr-3457	74	5	’s	’s	NOUN
fsr-3457	74	6	level	level	NOUN
fsr-3457	74	7	of	of	ADP
fsr-3457	74	8	risk	risk	NOUN
fsr-3457	74	9	literacy	literacy	NOUN
fsr-3457	74	10	impact	impact	NOUN
fsr-3457	74	11	comprehension	comprehension	NOUN
fsr-3457	74	12	;	;	PUNCT
fsr-3457	74	13	high	high	ADJ
fsr-3457	74	14	-	-	PUNCT
fsr-3457	74	15	risk	risk	NOUN
fsr-3457	74	16	literacy	literacy	NOUN
fsr-3457	74	17	and	and	CCONJ
fsr-3457	74	18	use	use	NOUN
fsr-3457	74	19	of	of	ADP
fsr-3457	74	20	a	a	DET
fsr-3457	74	21	visual	visual	ADJ
fsr-3457	74	22	aid	aid	NOUN
fsr-3457	74	23	would	would	AUX
fsr-3457	74	24	make	make	VERB
fsr-3457	74	25	comprehending	comprehend	VERB
fsr-3457	74	26	a	a	DET
fsr-3457	74	27	risky	risky	ADJ
fsr-3457	74	28	decision	decision	NOUN
fsr-3457	74	29	easier	easy	ADJ
fsr-3457	74	30	as	as	SCONJ
fsr-3457	74	31	opposed	oppose	VERB
fsr-3457	74	32	to	to	ADP
fsr-3457	74	33	low	low	ADJ
fsr-3457	74	34	risk	risk	NOUN
fsr-3457	74	35	literacy	literacy	NOUN
fsr-3457	74	36	and	and	CCONJ
fsr-3457	74	37	no	no	DET
fsr-3457	74	38	visual	visual	ADJ
fsr-3457	74	39	aid	aid	NOUN
fsr-3457	74	40	.	.	PUNCT
fsr-3457	75	1	affect	affect	PROPN
fsr-3457	75	2	,	,	PUNCT
fsr-3457	75	3	which	which	PRON
fsr-3457	75	4	pertains	pertain	VERB
fsr-3457	75	5	to	to	ADP
fsr-3457	75	6	how	how	SCONJ
fsr-3457	75	7	212	212	NUM
fsr-3457	75	8	m.	m.	NOUN
fsr-3457	75	9	r.	r.	PROPN
fsr-3457	75	10	lurtz	lurtz	PROPN
fsr-3457	75	11	et	et	PROPN
fsr-3457	75	12	al	al	PROPN
fsr-3457	75	13	.	.	PUNCT
fsr-3457	75	14	/	/	SYM
fsr-3457	75	15	financial	financial	ADJ
fsr-3457	75	16	services	service	NOUN
fsr-3457	75	17	review	review	VERB
fsr-3457	75	18	29	29	NUM
fsr-3457	75	19	(	(	PUNCT
fsr-3457	75	20	2021	2021	NUM
fsr-3457	75	21	)	)	PUNCT
fsr-3457	76	1	209–225	209–225	NUM
fsr-3457	76	2	“	"	PUNCT
fsr-3457	76	3	good	good	ADJ
fsr-3457	76	4	”	"	PUNCT
fsr-3457	76	5	or	or	CCONJ
fsr-3457	76	6	“	"	PUNCT
fsr-3457	76	7	not	not	PART
fsr-3457	76	8	good	good	ADJ
fsr-3457	76	9	”	"	PUNCT
fsr-3457	76	10	a	a	DET
fsr-3457	76	11	person	person	NOUN
fsr-3457	76	12	feels	feel	VERB
fsr-3457	76	13	about	about	ADP
fsr-3457	76	14	their	their	PRON
fsr-3457	76	15	decision	decision	NOUN
fsr-3457	76	16	-	-	PUNCT
fsr-3457	76	17	making	make	VERB
fsr-3457	76	18	ability	ability	NOUN
fsr-3457	76	19	is	be	AUX
fsr-3457	76	20	only	only	ADV
fsr-3457	76	21	influenced	influence	VERB
fsr-3457	76	22	by	by	ADP
fsr-3457	76	23	risk	risk	NOUN
fsr-3457	76	24	literacy	literacy	NOUN
fsr-3457	76	25	.	.	PUNCT
fsr-3457	77	1	the	the	DET
fsr-3457	77	2	final	final	ADJ
fsr-3457	77	3	construct	construct	NOUN
fsr-3457	77	4	,	,	PUNCT
fsr-3457	77	5	decision	decision	NOUN
fsr-3457	77	6	quality	quality	NOUN
fsr-3457	77	7	,	,	PUNCT
fsr-3457	77	8	is	be	AUX
fsr-3457	77	9	related	relate	VERB
fsr-3457	77	10	to	to	ADP
fsr-3457	77	11	comprehension	comprehension	NOUN
fsr-3457	77	12	and	and	CCONJ
fsr-3457	77	13	affect	affect	VERB
fsr-3457	77	14	.	.	PUNCT
fsr-3457	78	1	essentially	essentially	ADV
fsr-3457	78	2	,	,	PUNCT
fsr-3457	78	3	the	the	DET
fsr-3457	78	4	best	good	ADJ
fsr-3457	78	5	decisions	decision	NOUN
fsr-3457	78	6	are	be	AUX
fsr-3457	78	7	the	the	DET
fsr-3457	78	8	ones	one	NOUN
fsr-3457	78	9	we	we	PRON
fsr-3457	78	10	understand	understand	VERB
fsr-3457	78	11	and	and	CCONJ
fsr-3457	78	12	that	that	SCONJ
fsr-3457	78	13	we	we	PRON
fsr-3457	78	14	feel	feel	VERB
fsr-3457	78	15	good	good	ADJ
fsr-3457	78	16	about	about	ADP
fsr-3457	78	17	.	.	PUNCT
fsr-3457	79	1	moreover	moreover	ADV
fsr-3457	79	2	,	,	PUNCT
fsr-3457	79	3	skilled	skilled	ADJ
fsr-3457	79	4	decision	decision	NOUN
fsr-3457	79	5	theory	theory	NOUN
fsr-3457	79	6	is	be	AUX
fsr-3457	79	7	an	an	DET
fsr-3457	79	8	appropriate	appropriate	ADJ
fsr-3457	79	9	theory	theory	NOUN
fsr-3457	79	10	for	for	ADP
fsr-3457	79	11	investigating	investigate	VERB
fsr-3457	79	12	risk	risk	NOUN
fsr-3457	79	13	literacy	literacy	NOUN
fsr-3457	79	14	and	and	CCONJ
fsr-3457	79	15	decision	decision	NOUN
fsr-3457	79	16	-	-	PUNCT
fsr-3457	79	17	making	making	NOUN
fsr-3457	79	18	in	in	ADP
fsr-3457	79	19	financial	financial	ADJ
fsr-3457	79	20	planners	planner	NOUN
fsr-3457	79	21	.	.	PUNCT
fsr-3457	80	1	the	the	DET
fsr-3457	80	2	theory	theory	NOUN
fsr-3457	80	3	organizes	organize	VERB
fsr-3457	80	4	how	how	SCONJ
fsr-3457	80	5	both	both	CCONJ
fsr-3457	80	6	expert	expert	NOUN
fsr-3457	80	7	and	and	CCONJ
fsr-3457	80	8	nonexperts	nonexpert	NOUN
fsr-3457	80	9	make	make	VERB
fsr-3457	80	10	decisions	decision	NOUN
fsr-3457	80	11	.	.	PUNCT
fsr-3457	81	1	financial	financial	ADJ
fsr-3457	81	2	planners	planner	NOUN
fsr-3457	81	3	can	can	AUX
fsr-3457	81	4	be	be	AUX
fsr-3457	81	5	considered	consider	VERB
fsr-3457	81	6	“	"	PUNCT
fsr-3457	81	7	expert	expert	ADJ
fsr-3457	81	8	”	"	PUNCT
fsr-3457	81	9	decision	decision	NOUN
fsr-3457	81	10	-	-	PUNCT
fsr-3457	81	11	makers	maker	NOUN
fsr-3457	81	12	.	.	PUNCT
fsr-3457	82	1	it	it	PRON
fsr-3457	82	2	is	be	AUX
fsr-3457	82	3	their	their	PRON
fsr-3457	82	4	job	job	NOUN
fsr-3457	82	5	to	to	PART
fsr-3457	82	6	help	help	VERB
fsr-3457	82	7	“	"	PUNCT
fsr-3457	82	8	non	non	ADJ
fsr-3457	82	9	-	-	ADJ
fsr-3457	82	10	expert	expert	ADJ
fsr-3457	82	11	”	"	PUNCT
fsr-3457	82	12	decision	decision	NOUN
fsr-3457	82	13	-	-	PUNCT
fsr-3457	82	14	makers	maker	NOUN
fsr-3457	82	15	(	(	PUNCT
fsr-3457	82	16	i.e.	i.e.	X
fsr-3457	82	17	,	,	PUNCT
fsr-3457	82	18	clients	client	NOUN
fsr-3457	82	19	)	)	PUNCT
fsr-3457	82	20	to	to	PART
fsr-3457	82	21	arrive	arrive	VERB
fsr-3457	82	22	at	at	ADP
fsr-3457	82	23	quality	quality	NOUN
fsr-3457	82	24	financial	financial	ADJ
fsr-3457	82	25	decisions	decision	NOUN
fsr-3457	82	26	.	.	PUNCT
fsr-3457	83	1	expert	expert	ADJ
fsr-3457	83	2	decision	decision	NOUN
fsr-3457	83	3	-	-	PUNCT
fsr-3457	83	4	makers	maker	NOUN
fsr-3457	83	5	are	be	AUX
fsr-3457	83	6	assumed	assume	VERB
fsr-3457	83	7	to	to	PART
fsr-3457	83	8	use	use	VERB
fsr-3457	83	9	this	this	DET
fsr-3457	83	10	decision	decision	NOUN
fsr-3457	83	11	-	-	PUNCT
fsr-3457	83	12	making	make	VERB
fsr-3457	83	13	process	process	NOUN
fsr-3457	83	14	even	even	ADV
fsr-3457	83	15	if	if	SCONJ
fsr-3457	83	16	they	they	PRON
fsr-3457	83	17	do	do	AUX
fsr-3457	83	18	not	not	PART
fsr-3457	83	19	work	work	VERB
fsr-3457	83	20	with	with	ADP
fsr-3457	83	21	another	another	DET
fsr-3457	83	22	individual	individual	NOUN
fsr-3457	83	23	.	.	PUNCT
fsr-3457	84	1	the	the	DET
fsr-3457	84	2	study	study	NOUN
fsr-3457	84	3	posits	posit	NOUN
fsr-3457	84	4	that	that	SCONJ
fsr-3457	84	5	within	within	ADP
fsr-3457	84	6	the	the	DET
fsr-3457	84	7	financial	financial	ADJ
fsr-3457	84	8	planning	planning	NOUN
fsr-3457	84	9	process	process	NOUN
fsr-3457	84	10	,	,	PUNCT
fsr-3457	84	11	financial	financial	ADJ
fsr-3457	84	12	planners	planner	NOUN
fsr-3457	84	13	and	and	CCONJ
fsr-3457	84	14	clients	client	NOUN
fsr-3457	84	15	are	be	AUX
fsr-3457	84	16	regularly	regularly	ADV
fsr-3457	84	17	going	go	VERB
fsr-3457	84	18	through	through	ADP
fsr-3457	84	19	the	the	DET
fsr-3457	84	20	decision	decision	NOUN
fsr-3457	84	21	-	-	PUNCT
fsr-3457	84	22	making	make	VERB
fsr-3457	84	23	process	process	NOUN
fsr-3457	84	24	outlined	outline	VERB
fsr-3457	84	25	by	by	ADP
fsr-3457	84	26	skilled	skilled	ADJ
fsr-3457	84	27	decision	decision	NOUN
fsr-3457	84	28	theory	theory	NOUN
fsr-3457	84	29	.	.	PUNCT
fsr-3457	85	1	the	the	DET
fsr-3457	85	2	financial	financial	ADJ
fsr-3457	85	3	planning	planning	NOUN
fsr-3457	85	4	process	process	NOUN
fsr-3457	85	5	(	(	PUNCT
fsr-3457	85	6	appendix	appendix	NOUN
fsr-3457	85	7	1	1	NUM
fsr-3457	85	8	)	)	PUNCT
fsr-3457	85	9	promotes	promote	VERB
fsr-3457	85	10	ongoing	ongoing	ADJ
fsr-3457	85	11	dialogue	dialogue	NOUN
fsr-3457	85	12	—	—	PUNCT
fsr-3457	85	13	deliberation	deliberation	NOUN
fsr-3457	85	14	between	between	ADP
fsr-3457	85	15	the	the	DET
fsr-3457	85	16	client	client	NOUN
fsr-3457	85	17	and	and	CCONJ
fsr-3457	85	18	the	the	DET
fsr-3457	85	19	practitioner	practitioner	NOUN
fsr-3457	85	20	.	.	PUNCT
fsr-3457	86	1	scenario	scenario	NOUN
fsr-3457	86	2	planning	planning	NOUN
fsr-3457	86	3	,	,	PUNCT
fsr-3457	86	4	like	like	ADP
fsr-3457	86	5	going	go	VERB
fsr-3457	86	6	over	over	ADP
fsr-3457	86	7	a	a	DET
fsr-3457	86	8	market	market	NOUN
fsr-3457	86	9	crash	crash	NOUN
fsr-3457	86	10	or	or	CCONJ
fsr-3457	86	11	likelihood	likelihood	NOUN
fsr-3457	86	12	of	of	ADP
fsr-3457	86	13	taking	take	VERB
fsr-3457	86	14	an	an	DET
fsr-3457	86	15	early	early	ADJ
fsr-3457	86	16	retirement	retirement	NOUN
fsr-3457	86	17	,	,	PUNCT
fsr-3457	86	18	includes	include	VERB
fsr-3457	86	19	steps	step	NOUN
fsr-3457	86	20	two	two	NUM
fsr-3457	86	21	through	through	ADP
fsr-3457	86	22	four	four	NUM
fsr-3457	86	23	of	of	ADP
fsr-3457	86	24	the	the	DET
fsr-3457	86	25	financial	financial	ADJ
fsr-3457	86	26	planning	planning	NOUN
fsr-3457	86	27	process	process	NOUN
fsr-3457	86	28	,	,	PUNCT
fsr-3457	86	29	which	which	PRON
fsr-3457	86	30	takes	take	VERB
fsr-3457	86	31	clients	client	NOUN
fsr-3457	86	32	to	to	ADP
fsr-3457	86	33	a	a	DET
fsr-3457	86	34	point	point	NOUN
fsr-3457	86	35	where	where	SCONJ
fsr-3457	86	36	they	they	PRON
fsr-3457	86	37	are	be	AUX
fsr-3457	86	38	willing	willing	ADJ
fsr-3457	86	39	to	to	PART
fsr-3457	86	40	implement	implement	VERB
fsr-3457	86	41	(	(	PUNCT
fsr-3457	86	42	step	step	NOUN
fsr-3457	86	43	5	5	NUM
fsr-3457	86	44	)	)	PUNCT
fsr-3457	86	45	.	.	PUNCT
fsr-3457	87	1	furthermore	furthermore	ADV
fsr-3457	87	2	,	,	PUNCT
fsr-3457	87	3	this	this	PRON
fsr-3457	87	4	could	could	AUX
fsr-3457	87	5	be	be	AUX
fsr-3457	87	6	interpreted	interpret	VERB
fsr-3457	87	7	as	as	ADP
fsr-3457	87	8	evidence	evidence	NOUN
fsr-3457	87	9	that	that	SCONJ
fsr-3457	87	10	the	the	DET
fsr-3457	87	11	client	client	NOUN
fsr-3457	87	12	and	and	CCONJ
fsr-3457	87	13	the	the	DET
fsr-3457	87	14	planner	planner	NOUN
fsr-3457	87	15	have	have	AUX
fsr-3457	87	16	,	,	PUNCT
fsr-3457	87	17	at	at	ADP
fsr-3457	87	18	the	the	DET
fsr-3457	87	19	same	same	ADJ
fsr-3457	87	20	time	time	NOUN
fsr-3457	87	21	,	,	PUNCT
fsr-3457	87	22	inadvertently	inadvertently	ADV
fsr-3457	87	23	moved	move	VERB
fsr-3457	87	24	through	through	ADP
fsr-3457	87	25	skilled	skilled	ADJ
fsr-3457	87	26	decision	decision	NOUN
fsr-3457	87	27	theory	theory	NOUN
fsr-3457	87	28	,	,	PUNCT
fsr-3457	87	29	where	where	SCONJ
fsr-3457	87	30	they	they	PRON
fsr-3457	87	31	become	become	VERB
fsr-3457	87	32	confident	confident	ADJ
fsr-3457	87	33	,	,	PUNCT
fsr-3457	87	34	they	they	PRON
fsr-3457	87	35	understand	understand	VERB
fsr-3457	87	36	(	(	PUNCT
fsr-3457	87	37	i.e.	i.e.	X
fsr-3457	87	38	,	,	PUNCT
fsr-3457	87	39	comprehension	comprehension	NOUN
fsr-3457	87	40	)	)	PUNCT
fsr-3457	87	41	,	,	PUNCT
fsr-3457	87	42	and	and	CCONJ
fsr-3457	87	43	they	they	PRON
fsr-3457	87	44	feel	feel	VERB
fsr-3457	87	45	good	good	ADJ
fsr-3457	87	46	(	(	PUNCT
fsr-3457	87	47	i.e.	i.e.	X
fsr-3457	87	48	,	,	PUNCT
fsr-3457	87	49	affect	affect	ADJ
fsr-3457	87	50	)	)	PUNCT
fsr-3457	87	51	about	about	ADP
fsr-3457	87	52	moving	move	VERB
fsr-3457	87	53	forward	forward	ADV
fsr-3457	87	54	to	to	ADP
fsr-3457	87	55	implementation	implementation	NOUN
fsr-3457	87	56	.	.	PUNCT
fsr-3457	88	1	the	the	DET
fsr-3457	88	2	current	current	ADJ
fsr-3457	88	3	study	study	NOUN
fsr-3457	88	4	did	do	AUX
fsr-3457	88	5	not	not	PART
fsr-3457	88	6	test	test	VERB
fsr-3457	88	7	for	for	ADP
fsr-3457	88	8	the	the	DET
fsr-3457	88	9	constructs	construct	NOUN
fsr-3457	88	10	that	that	PRON
fsr-3457	88	11	are	be	AUX
fsr-3457	88	12	ultimately	ultimately	ADV
fsr-3457	88	13	related	relate	VERB
fsr-3457	88	14	to	to	AUX
fsr-3457	88	15	decision	decision	NOUN
fsr-3457	88	16	quality	quality	NOUN
fsr-3457	88	17	(	(	PUNCT
fsr-3457	88	18	i.e.	i.e.	X
fsr-3457	88	19	,	,	PUNCT
fsr-3457	88	20	comprehension	comprehension	NOUN
fsr-3457	88	21	and	and	CCONJ
fsr-3457	88	22	affect	affect	NOUN
fsr-3457	88	23	)	)	PUNCT
fsr-3457	88	24	,	,	PUNCT
fsr-3457	88	25	rather	rather	ADV
fsr-3457	88	26	it	it	PRON
fsr-3457	88	27	focused	focus	VERB
fsr-3457	88	28	solely	solely	ADV
fsr-3457	88	29	on	on	ADP
fsr-3457	88	30	visual	visual	ADJ
fsr-3457	88	31	aids	aid	NOUN
fsr-3457	88	32	and	and	CCONJ
fsr-3457	88	33	risk	risk	NOUN
fsr-3457	88	34	literacy	literacy	NOUN
fsr-3457	88	35	.	.	PUNCT
fsr-3457	89	1	previous	previous	ADJ
fsr-3457	89	2	investigative	investigative	ADJ
fsr-3457	89	3	work	work	NOUN
fsr-3457	89	4	on	on	ADP
fsr-3457	89	5	risk	risk	NOUN
fsr-3457	89	6	literacy	literacy	NOUN
fsr-3457	89	7	in	in	ADP
fsr-3457	89	8	other	other	ADJ
fsr-3457	89	9	professions	profession	NOUN
fsr-3457	89	10	also	also	ADV
fsr-3457	89	11	focused	focus	VERB
fsr-3457	89	12	solely	solely	ADV
fsr-3457	89	13	on	on	ADP
fsr-3457	89	14	visual	visual	ADJ
fsr-3457	89	15	aids	aid	NOUN
fsr-3457	89	16	and	and	CCONJ
fsr-3457	89	17	risk	risk	NOUN
fsr-3457	89	18	literacy	literacy	NOUN
fsr-3457	89	19	,	,	PUNCT
fsr-3457	89	20	and	and	CCONJ
fsr-3457	89	21	used	use	VERB
fsr-3457	89	22	skilled	skilled	ADJ
fsr-3457	89	23	decision	decision	NOUN
fsr-3457	89	24	theory	theory	NOUN
fsr-3457	89	25	as	as	ADP
fsr-3457	89	26	a	a	DET
fsr-3457	89	27	theoretical	theoretical	ADJ
fsr-3457	89	28	framework	framework	NOUN
fsr-3457	89	29	(	(	PUNCT
fsr-3457	89	30	garcia	garcia	PROPN
fsr-3457	89	31	-	-	PUNCT
fsr-3457	89	32	retamero	retamero	PROPN
fsr-3457	89	33	et	et	PROPN
fsr-3457	89	34	al	al	PROPN
fsr-3457	89	35	.	.	PROPN
fsr-3457	89	36	,	,	PUNCT
fsr-3457	89	37	2016	2016	NUM
fsr-3457	89	38	;	;	PUNCT
fsr-3457	89	39	garcia	garcia	PROPN
fsr-3457	89	40	-	-	PUNCT
fsr-3457	89	41	retamero	retamero	PROPN
fsr-3457	89	42	&	&	CCONJ
fsr-3457	89	43	dhami	dhami	NOUN
fsr-3457	89	44	,	,	PUNCT
fsr-3457	89	45	2013	2013	NUM
fsr-3457	89	46	)	)	PUNCT
fsr-3457	89	47	.	.	PUNCT
fsr-3457	90	1	moreover	moreover	ADV
fsr-3457	90	2	,	,	PUNCT
fsr-3457	90	3	even	even	ADV
fsr-3457	90	4	without	without	ADP
fsr-3457	90	5	a	a	DET
fsr-3457	90	6	direct	direct	ADJ
fsr-3457	90	7	theoretical	theoretical	ADJ
fsr-3457	90	8	connection	connection	NOUN
fsr-3457	90	9	from	from	ADP
fsr-3457	90	10	visual	visual	ADJ
fsr-3457	90	11	aids	aid	NOUN
fsr-3457	90	12	and	and	CCONJ
fsr-3457	90	13	risk	risk	NOUN
fsr-3457	90	14	literacy	literacy	NOUN
fsr-3457	90	15	to	to	PART
fsr-3457	90	16	decision	decision	VERB
fsr-3457	90	17	quality	quality	NOUN
fsr-3457	90	18	,	,	PUNCT
fsr-3457	90	19	it	it	PRON
fsr-3457	90	20	is	be	AUX
fsr-3457	90	21	assumed	assume	VERB
fsr-3457	90	22	that	that	SCONJ
fsr-3457	90	23	investigating	investigate	VERB
fsr-3457	90	24	the	the	DET
fsr-3457	90	25	impact	impact	NOUN
fsr-3457	90	26	these	these	DET
fsr-3457	90	27	two	two	NUM
fsr-3457	90	28	constructs	construct	NOUN
fsr-3457	90	29	alone	alone	ADV
fsr-3457	90	30	still	still	ADV
fsr-3457	90	31	provide	provide	VERB
fsr-3457	90	32	insight	insight	NOUN
fsr-3457	90	33	into	into	ADP
fsr-3457	90	34	decision	decision	NOUN
fsr-3457	90	35	-	-	PUNCT
fsr-3457	90	36	making	make	VERB
fsr-3457	90	37	ability	ability	NOUN
fsr-3457	90	38	and	and	CCONJ
fsr-3457	90	39	needs	need	NOUN
fsr-3457	90	40	of	of	ADP
fsr-3457	90	41	financial	financial	ADJ
fsr-3457	90	42	planners	planner	NOUN
fsr-3457	90	43	as	as	ADP
fsr-3457	90	44	a	a	DET
fsr-3457	90	45	first	first	ADJ
fsr-3457	90	46	step	step	NOUN
fsr-3457	90	47	.	.	PUNCT
fsr-3457	91	1	furthermore	furthermore	ADV
fsr-3457	91	2	,	,	PUNCT
fsr-3457	91	3	cfp	cfp	PROPN
fsr-3457	91	4	board	board	PROPN
fsr-3457	91	5	registered	register	VERB
fsr-3457	91	6	financial	financial	ADJ
fsr-3457	91	7	planning	planning	NOUN
fsr-3457	91	8	education	education	NOUN
fsr-3457	91	9	programs	program	NOUN
fsr-3457	91	10	place	place	VERB
fsr-3457	91	11	an	an	DET
fsr-3457	91	12	emphasis	emphasis	NOUN
fsr-3457	91	13	on	on	ADP
fsr-3457	91	14	risk	risk	NOUN
fsr-3457	91	15	literacy	literacy	NOUN
fsr-3457	91	16	and	and	CCONJ
fsr-3457	91	17	often	often	ADV
fsr-3457	91	18	use	use	VERB
fsr-3457	91	19	visual	visual	ADJ
fsr-3457	91	20	aids	aid	NOUN
fsr-3457	91	21	in	in	ADP
fsr-3457	91	22	teaching	teach	VERB
fsr-3457	91	23	materials	material	NOUN
fsr-3457	91	24	.	.	PUNCT
fsr-3457	92	1	this	this	DET
fsr-3457	92	2	additional	additional	ADJ
fsr-3457	92	3	,	,	PUNCT
fsr-3457	92	4	formalized	formalize	VERB
fsr-3457	92	5	education	education	NOUN
fsr-3457	92	6	may	may	AUX
fsr-3457	92	7	assist	assist	VERB
fsr-3457	92	8	cfp	cfp	PROPN
fsr-3457	92	9	professionals	professional	NOUN
fsr-3457	92	10	to	to	PART
fsr-3457	92	11	deliberate	deliberate	VERB
fsr-3457	92	12	,	,	PUNCT
fsr-3457	92	13	build	build	VERB
fsr-3457	92	14	confidence	confidence	NOUN
fsr-3457	92	15	,	,	PUNCT
fsr-3457	92	16	gain	gain	VERB
fsr-3457	92	17	comprehension	comprehension	NOUN
fsr-3457	92	18	and	and	CCONJ
fsr-3457	92	19	handle	handle	AUX
fsr-3457	92	20	affect	affect	VERB
fsr-3457	92	21	by	by	ADP
fsr-3457	92	22	way	way	NOUN
fsr-3457	92	23	of	of	ADP
fsr-3457	92	24	the	the	DET
fsr-3457	92	25	seven	seven	NUM
fsr-3457	92	26	-	-	PUNCT
fsr-3457	92	27	step	step	NOUN
fsr-3457	92	28	financial	financial	ADJ
fsr-3457	92	29	planning	planning	NOUN
fsr-3457	92	30	process	process	NOUN
fsr-3457	92	31	.	.	PUNCT
fsr-3457	93	1	fig	fig	NOUN
fsr-3457	93	2	.	.	PUNCT
fsr-3457	94	1	1	1	NUM
fsr-3457	94	2	.	.	X
fsr-3457	94	3	skilled	skilled	ADJ
fsr-3457	94	4	decision	decision	NOUN
fsr-3457	94	5	-	-	PUNCT
fsr-3457	94	6	making	make	VERB
fsr-3457	94	7	theory	theory	NOUN
fsr-3457	94	8	(	(	PUNCT
fsr-3457	94	9	cokely	cokely	PROPN
fsr-3457	94	10	,	,	PUNCT
fsr-3457	94	11	feltz	feltz	PROPN
fsr-3457	94	12	,	,	PUNCT
fsr-3457	94	13	ghazal	ghazal	PROPN
fsr-3457	94	14	,	,	PUNCT
fsr-3457	94	15	allan	allan	PROPN
fsr-3457	94	16	,	,	PUNCT
fsr-3457	94	17	petrova	petrova	PROPN
fsr-3457	94	18	,	,	PUNCT
fsr-3457	94	19	&	&	CCONJ
fsr-3457	94	20	garcia	garcia	PROPN
fsr-3457	94	21	-	-	PUNCT
fsr-3457	94	22	retamero	retamero	NOUN
fsr-3457	94	23	,	,	PUNCT
fsr-3457	94	24	in	in	ADP
fsr-3457	94	25	press	press	NOUN
fsr-3457	94	26	)	)	PUNCT
fsr-3457	94	27	.	.	PUNCT
fsr-3457	95	1	m.	m.	PROPN
fsr-3457	95	2	r.	r.	PROPN
fsr-3457	95	3	lurtz	lurtz	PROPN
fsr-3457	95	4	et	et	PROPN
fsr-3457	95	5	al	al	PROPN
fsr-3457	95	6	.	.	PUNCT
fsr-3457	95	7	/	/	SYM
fsr-3457	95	8	financial	financial	ADJ
fsr-3457	95	9	services	service	NOUN
fsr-3457	95	10	review	review	VERB
fsr-3457	95	11	29	29	NUM
fsr-3457	95	12	(	(	PUNCT
fsr-3457	95	13	2021	2021	NUM
fsr-3457	95	14	)	)	PUNCT
fsr-3457	96	1	209–225	209–225	NUM
fsr-3457	96	2	213	213	NUM
fsr-3457	96	3	utilizing	utilize	VERB
fsr-3457	96	4	skilled	skilled	ADJ
fsr-3457	96	5	decision	decision	NOUN
fsr-3457	96	6	theory	theory	NOUN
fsr-3457	96	7	as	as	ADP
fsr-3457	96	8	a	a	DET
fsr-3457	96	9	framework	framework	NOUN
fsr-3457	96	10	and	and	CCONJ
fsr-3457	96	11	previous	previous	ADJ
fsr-3457	96	12	literature	literature	NOUN
fsr-3457	96	13	as	as	ADP
fsr-3457	96	14	motivation	motivation	NOUN
fsr-3457	96	15	for	for	ADP
fsr-3457	96	16	this	this	DET
fsr-3457	96	17	study	study	NOUN
fsr-3457	96	18	,	,	PUNCT
fsr-3457	96	19	five	five	NUM
fsr-3457	96	20	hypotheses	hypothesis	NOUN
fsr-3457	96	21	were	be	AUX
fsr-3457	96	22	developed	develop	VERB
fsr-3457	96	23	:	:	PUNCT
fsr-3457	96	24	hypothesis	hypothesis	NOUN
fsr-3457	96	25	1	1	NUM
fsr-3457	96	26	:	:	PUNCT
fsr-3457	96	27	financial	financial	ADJ
fsr-3457	96	28	planners	planner	NOUN
fsr-3457	96	29	who	who	PRON
fsr-3457	96	30	are	be	AUX
fsr-3457	96	31	certified	certify	VERB
fsr-3457	96	32	financial	financial	ADJ
fsr-3457	96	33	planner	planner	NOUN
fsr-3457	96	34	(	(	PUNCT
fsr-3457	96	35	cfp	cfp	NOUN
fsr-3457	96	36	)	)	PUNCT
fsr-3457	96	37	professionals	professional	NOUN
fsr-3457	96	38	will	will	AUX
fsr-3457	96	39	have	have	VERB
fsr-3457	96	40	higher	high	ADJ
fsr-3457	96	41	risk	risk	NOUN
fsr-3457	96	42	literacy	literacy	NOUN
fsr-3457	96	43	than	than	ADP
fsr-3457	96	44	financial	financial	ADJ
fsr-3457	96	45	planners	planner	NOUN
fsr-3457	96	46	lacking	lack	VERB
fsr-3457	96	47	the	the	DET
fsr-3457	96	48	cfp	cfp	PROPN
fsr-3457	96	49	designation	designation	NOUN
fsr-3457	96	50	.	.	PUNCT
fsr-3457	97	1	hypothesis	hypothesis	NOUN
fsr-3457	97	2	2	2	NUM
fsr-3457	97	3	:	:	PUNCT
fsr-3457	97	4	use	use	NOUN
fsr-3457	97	5	of	of	ADP
fsr-3457	97	6	a	a	DET
fsr-3457	97	7	visual	visual	ADJ
fsr-3457	97	8	aid	aid	NOUN
fsr-3457	97	9	will	will	AUX
fsr-3457	97	10	be	be	AUX
fsr-3457	97	11	positively	positively	ADV
fsr-3457	97	12	associated	associate	VERB
fsr-3457	97	13	with	with	ADP
fsr-3457	97	14	having	having	AUX
fsr-3457	97	15	selected	select	VERB
fsr-3457	97	16	the	the	DET
fsr-3457	97	17	correct	correct	ADJ
fsr-3457	97	18	risk	risk	NOUN
fsr-3457	97	19	portfolio	portfolio	NOUN
fsr-3457	97	20	.	.	PUNCT
fsr-3457	98	1	hypothesis	hypothesis	NOUN
fsr-3457	98	2	3	3	NUM
fsr-3457	98	3	:	:	PUNCT
fsr-3457	98	4	risk	risk	NOUN
fsr-3457	98	5	literacy	literacy	NOUN
fsr-3457	98	6	will	will	AUX
fsr-3457	98	7	be	be	AUX
fsr-3457	98	8	positively	positively	ADV
fsr-3457	98	9	associated	associate	VERB
fsr-3457	98	10	with	with	ADP
fsr-3457	98	11	having	having	AUX
fsr-3457	98	12	selected	select	VERB
fsr-3457	98	13	the	the	DET
fsr-3457	98	14	correct	correct	ADJ
fsr-3457	98	15	risk	risk	NOUN
fsr-3457	98	16	portfolio	portfolio	NOUN
fsr-3457	98	17	without	without	ADP
fsr-3457	98	18	use	use	NOUN
fsr-3457	98	19	of	of	ADP
fsr-3457	98	20	a	a	DET
fsr-3457	98	21	visual	visual	ADJ
fsr-3457	98	22	aid	aid	NOUN
fsr-3457	98	23	.	.	PUNCT
fsr-3457	99	1	4	4	X
fsr-3457	99	2	.	.	X
fsr-3457	99	3	method	method	PROPN
fsr-3457	99	4	4.1	4.1	NUM
fsr-3457	99	5	.	.	PUNCT
fsr-3457	100	1	sample	sample	NOUN
fsr-3457	100	2	to	to	PART
fsr-3457	100	3	gather	gather	VERB
fsr-3457	100	4	data	datum	NOUN
fsr-3457	100	5	for	for	ADP
fsr-3457	100	6	this	this	DET
fsr-3457	100	7	study	study	NOUN
fsr-3457	100	8	,	,	PUNCT
fsr-3457	100	9	a	a	DET
fsr-3457	100	10	79	79	NUM
fsr-3457	100	11	-	-	PUNCT
fsr-3457	100	12	item	item	NOUN
fsr-3457	100	13	survey	survey	NOUN
fsr-3457	100	14	was	be	AUX
fsr-3457	100	15	emailed	email	VERB
fsr-3457	100	16	to	to	ADP
fsr-3457	100	17	106	106	NUM
fsr-3457	100	18	u.s.-based	u.s.-based	ADJ
fsr-3457	100	19	financial	financial	ADJ
fsr-3457	100	20	planners	planner	NOUN
fsr-3457	100	21	via	via	ADP
fsr-3457	100	22	three	three	NUM
fsr-3457	100	23	sources	source	NOUN
fsr-3457	100	24	:	:	PUNCT
fsr-3457	100	25	(	(	PUNCT
fsr-3457	100	26	1	1	X
fsr-3457	100	27	)	)	PUNCT
fsr-3457	100	28	an	an	DET
fsr-3457	100	29	advisor	advisor	NOUN
fsr-3457	100	30	-	-	PUNCT
fsr-3457	100	31	only	only	ADJ
fsr-3457	100	32	forum	forum	NOUN
fsr-3457	100	33	(	(	PUNCT
fsr-3457	100	34	advisorheads.com	advisorheads.com	X
fsr-3457	100	35	)	)	PUNCT
fsr-3457	100	36	,	,	PUNCT
fsr-3457	100	37	(	(	PUNCT
fsr-3457	100	38	2	2	X
fsr-3457	100	39	)	)	PUNCT
fsr-3457	100	40	a	a	DET
fsr-3457	100	41	list	list	NOUN
fsr-3457	100	42	-	-	PUNCT
fsr-3457	100	43	serve	serve	NOUN
fsr-3457	100	44	created	create	VERB
fsr-3457	100	45	and	and	CCONJ
fsr-3457	100	46	maintained	maintain	VERB
fsr-3457	100	47	by	by	ADP
fsr-3457	100	48	a	a	DET
fsr-3457	100	49	popular	popular	ADJ
fsr-3457	100	50	financial	financial	ADJ
fsr-3457	100	51	planning	planning	NOUN
fsr-3457	100	52	practitioner	practitioner	NOUN
fsr-3457	100	53	-	-	NOUN
fsr-3457	100	54	blogger	blogger	NOUN
fsr-3457	100	55	,	,	PUNCT
fsr-3457	100	56	and	and	CCONJ
fsr-3457	100	57	(	(	PUNCT
fsr-3457	100	58	3	3	X
fsr-3457	100	59	)	)	PUNCT
fsr-3457	100	60	personal	personal	ADJ
fsr-3457	100	61	emails	email	NOUN
fsr-3457	100	62	to	to	ADP
fsr-3457	100	63	financial	financial	ADJ
fsr-3457	100	64	planners	planner	NOUN
fsr-3457	100	65	.	.	PUNCT
fsr-3457	101	1	personal	personal	ADJ
fsr-3457	101	2	emails	email	NOUN
fsr-3457	101	3	were	be	AUX
fsr-3457	101	4	limited	limit	VERB
fsr-3457	101	5	in	in	ADP
fsr-3457	101	6	number	number	NOUN
fsr-3457	101	7	,	,	PUNCT
fsr-3457	101	8	six	six	NUM
fsr-3457	101	9	emails	email	NOUN
fsr-3457	101	10	in	in	ADP
fsr-3457	101	11	total	total	NOUN
fsr-3457	101	12	.	.	PUNCT
fsr-3457	102	1	advisors	advisor	NOUN
fsr-3457	102	2	from	from	ADP
fsr-3457	102	3	all	all	DET
fsr-3457	102	4	three	three	NUM
fsr-3457	102	5	sources	source	NOUN
fsr-3457	102	6	received	receive	VERB
fsr-3457	102	7	the	the	DET
fsr-3457	102	8	same	same	ADJ
fsr-3457	102	9	email	email	NOUN
fsr-3457	102	10	explaining	explain	VERB
fsr-3457	102	11	the	the	DET
fsr-3457	102	12	project	project	NOUN
fsr-3457	102	13	and	and	CCONJ
fsr-3457	102	14	inviting	invite	VERB
fsr-3457	102	15	them	they	PRON
fsr-3457	102	16	to	to	PART
fsr-3457	102	17	complete	complete	VERB
fsr-3457	102	18	the	the	DET
fsr-3457	102	19	questionnaire	questionnaire	NOUN
fsr-3457	102	20	.	.	PUNCT
fsr-3457	103	1	participants	participant	NOUN
fsr-3457	103	2	were	be	AUX
fsr-3457	103	3	not	not	PART
fsr-3457	103	4	incentivized	incentivize	VERB
fsr-3457	103	5	to	to	PART
fsr-3457	103	6	participate	participate	VERB
fsr-3457	103	7	,	,	PUNCT
fsr-3457	103	8	but	but	CCONJ
fsr-3457	103	9	participation	participation	NOUN
fsr-3457	103	10	was	be	AUX
fsr-3457	103	11	made	make	VERB
fsr-3457	103	12	simpler	simple	ADJ
fsr-3457	103	13	by	by	ADP
fsr-3457	103	14	only	only	ADV
fsr-3457	103	15	requiring	require	VERB
fsr-3457	103	16	them	they	PRON
fsr-3457	103	17	to	to	PART
fsr-3457	103	18	click	click	VERB
fsr-3457	103	19	on	on	ADP
fsr-3457	103	20	the	the	DET
fsr-3457	103	21	link	link	NOUN
fsr-3457	103	22	provided	provide	VERB
fsr-3457	103	23	to	to	ADP
fsr-3457	103	24	them	they	PRON
fsr-3457	103	25	in	in	ADP
fsr-3457	103	26	the	the	DET
fsr-3457	103	27	invitation	invitation	NOUN
fsr-3457	103	28	email	email	NOUN
fsr-3457	103	29	.	.	PUNCT
fsr-3457	104	1	the	the	DET
fsr-3457	104	2	computer	computer	NOUN
fsr-3457	104	3	-	-	PUNCT
fsr-3457	104	4	based	base	VERB
fsr-3457	104	5	questionnaire	questionnaire	NOUN
fsr-3457	104	6	was	be	AUX
fsr-3457	104	7	administered	administer	VERB
fsr-3457	104	8	in	in	ADP
fsr-3457	104	9	english	english	PROPN
fsr-3457	104	10	and	and	CCONJ
fsr-3457	104	11	included	include	VERB
fsr-3457	104	12	basic	basic	ADJ
fsr-3457	104	13	demographic	demographic	ADJ
fsr-3457	104	14	characteristics	characteristic	NOUN
fsr-3457	104	15	,	,	PUNCT
fsr-3457	104	16	firm	firm	ADJ
fsr-3457	104	17	characteristics	characteristic	NOUN
fsr-3457	104	18	,	,	PUNCT
fsr-3457	104	19	professional	professional	ADJ
fsr-3457	104	20	qualifications	qualification	NOUN
fsr-3457	104	21	,	,	PUNCT
fsr-3457	104	22	financial	financial	ADJ
fsr-3457	104	23	literacy	literacy	NOUN
fsr-3457	104	24	,	,	PUNCT
fsr-3457	104	25	and	and	CCONJ
fsr-3457	104	26	risk	risk	NOUN
fsr-3457	104	27	literacy	literacy	NOUN
fsr-3457	104	28	.	.	PUNCT
fsr-3457	105	1	response	response	NOUN
fsr-3457	105	2	rate	rate	NOUN
fsr-3457	105	3	from	from	ADP
fsr-3457	105	4	the	the	DET
fsr-3457	105	5	forum	forum	PROPN
fsr-3457	105	6	,	,	PUNCT
fsr-3457	105	7	listserv	listserv	NOUN
fsr-3457	105	8	,	,	PUNCT
fsr-3457	105	9	and	and	CCONJ
fsr-3457	105	10	personal	personal	ADJ
fsr-3457	105	11	emails	email	NOUN
fsr-3457	105	12	combined	combine	VERB
fsr-3457	105	13	totaled	total	VERB
fsr-3457	105	14	65	65	NUM
fsr-3457	105	15	%	%	NOUN
fsr-3457	105	16	.	.	PUNCT
fsr-3457	106	1	of	of	ADP
fsr-3457	106	2	those	those	PRON
fsr-3457	106	3	completed	complete	VERB
fsr-3457	106	4	,	,	PUNCT
fsr-3457	106	5	less	less	ADJ
fsr-3457	106	6	than	than	ADP
fsr-3457	106	7	5	5	NUM
fsr-3457	106	8	%	%	NOUN
fsr-3457	106	9	had	have	VERB
fsr-3457	106	10	missing	miss	VERB
fsr-3457	106	11	items	item	NOUN
fsr-3457	106	12	and	and	CCONJ
fsr-3457	106	13	those	those	PRON
fsr-3457	106	14	that	that	PRON
fsr-3457	106	15	had	have	VERB
fsr-3457	106	16	missing	missing	ADJ
fsr-3457	106	17	items	item	NOUN
fsr-3457	106	18	were	be	AUX
fsr-3457	106	19	deleted	delete	VERB
fsr-3457	106	20	(	(	PUNCT
fsr-3457	106	21	fowler	fowler	NOUN
fsr-3457	106	22	,	,	PUNCT
fsr-3457	106	23	1995	1995	NUM
fsr-3457	106	24	)	)	PUNCT
fsr-3457	106	25	.	.	PUNCT
fsr-3457	107	1	all	all	PRON
fsr-3457	107	2	told	tell	VERB
fsr-3457	107	3	,	,	PUNCT
fsr-3457	107	4	69	69	NUM
fsr-3457	107	5	completed	complete	VERB
fsr-3457	107	6	surveys	survey	NOUN
fsr-3457	107	7	were	be	AUX
fsr-3457	107	8	part	part	NOUN
fsr-3457	107	9	of	of	ADP
fsr-3457	107	10	the	the	DET
fsr-3457	107	11	research	research	NOUN
fsr-3457	107	12	sample	sample	NOUN
fsr-3457	107	13	.	.	PUNCT
fsr-3457	108	1	4.2	4.2	NUM
fsr-3457	108	2	.	.	PUNCT
fsr-3457	109	1	experimental	experimental	ADJ
fsr-3457	109	2	design	design	NOUN
fsr-3457	109	3	and	and	CCONJ
fsr-3457	109	4	dependent	dependent	ADJ
fsr-3457	109	5	variable	variable	NOUN
fsr-3457	109	6	the	the	DET
fsr-3457	109	7	experimental	experimental	ADJ
fsr-3457	109	8	design	design	NOUN
fsr-3457	109	9	of	of	ADP
fsr-3457	109	10	the	the	DET
fsr-3457	109	11	current	current	ADJ
fsr-3457	109	12	study	study	NOUN
fsr-3457	109	13	is	be	AUX
fsr-3457	109	14	based	base	VERB
fsr-3457	109	15	on	on	ADP
fsr-3457	109	16	the	the	DET
fsr-3457	109	17	work	work	NOUN
fsr-3457	109	18	by	by	ADP
fsr-3457	109	19	garcia	garcia	PROPN
fsr-3457	109	20	-	-	PUNCT
fsr-3457	109	21	retamero	retamero	PROPN
fsr-3457	109	22	et	et	PROPN
fsr-3457	109	23	al	al	PROPN
fsr-3457	109	24	.	.	PUNCT
fsr-3457	110	1	(	(	PUNCT
fsr-3457	110	2	2016	2016	NUM
fsr-3457	110	3	)	)	PUNCT
fsr-3457	110	4	who	who	PRON
fsr-3457	110	5	studied	study	VERB
fsr-3457	110	6	surgeons	surgeon	NOUN
fsr-3457	110	7	.	.	PUNCT
fsr-3457	111	1	the	the	DET
fsr-3457	111	2	current	current	ADJ
fsr-3457	111	3	design	design	NOUN
fsr-3457	111	4	is	be	AUX
fsr-3457	111	5	similar	similar	ADJ
fsr-3457	111	6	in	in	ADP
fsr-3457	111	7	the	the	DET
fsr-3457	111	8	following	following	ADJ
fsr-3457	111	9	ways	way	NOUN
fsr-3457	111	10	:	:	PUNCT
fsr-3457	111	11	(	(	PUNCT
fsr-3457	111	12	1	1	X
fsr-3457	111	13	)	)	PUNCT
fsr-3457	111	14	both	both	PRON
fsr-3457	111	15	tested	test	VERB
fsr-3457	111	16	risk	risk	NOUN
fsr-3457	111	17	literacy	literacy	NOUN
fsr-3457	111	18	scores	score	NOUN
fsr-3457	111	19	;	;	PUNCT
fsr-3457	111	20	(	(	PUNCT
fsr-3457	111	21	2	2	X
fsr-3457	111	22	)	)	PUNCT
fsr-3457	111	23	an	an	DET
fsr-3457	111	24	almost	almost	ADV
fsr-3457	111	25	identical	identical	ADJ
fsr-3457	111	26	icon	icon	NOUN
fsr-3457	111	27	array	array	NOUN
fsr-3457	111	28	was	be	AUX
fsr-3457	111	29	used	use	VERB
fsr-3457	111	30	as	as	ADP
fsr-3457	111	31	a	a	DET
fsr-3457	111	32	visual	visual	ADJ
fsr-3457	111	33	representation	representation	NOUN
fsr-3457	111	34	of	of	ADP
fsr-3457	111	35	the	the	DET
fsr-3457	111	36	risk	risk	NOUN
fsr-3457	111	37	;	;	PUNCT
fsr-3457	111	38	(	(	PUNCT
fsr-3457	111	39	3	3	X
fsr-3457	111	40	)	)	PUNCT
fsr-3457	111	41	both	both	PRON
fsr-3457	111	42	tested	test	VERB
fsr-3457	111	43	the	the	DET
fsr-3457	111	44	accuracy	accuracy	NOUN
fsr-3457	111	45	in	in	ADP
fsr-3457	111	46	answering	answer	VERB
fsr-3457	111	47	a	a	DET
fsr-3457	111	48	probability	probability	NOUN
fsr-3457	111	49	question	question	NOUN
fsr-3457	111	50	;	;	PUNCT
fsr-3457	111	51	and	and	CCONJ
fsr-3457	111	52	(	(	PUNCT
fsr-3457	111	53	4	4	X
fsr-3457	111	54	)	)	PUNCT
fsr-3457	111	55	both	both	PRON
fsr-3457	111	56	were	be	AUX
fsr-3457	111	57	asked	ask	VERB
fsr-3457	111	58	a	a	DET
fsr-3457	111	59	question	question	NOUN
fsr-3457	111	60	related	relate	VERB
fsr-3457	111	61	to	to	ADP
fsr-3457	111	62	their	their	PRON
fsr-3457	111	63	domain	domain	NOUN
fsr-3457	111	64	of	of	ADP
fsr-3457	111	65	expertise	expertise	NOUN
fsr-3457	111	66	.	.	PUNCT
fsr-3457	112	1	however	however	ADV
fsr-3457	112	2	,	,	PUNCT
fsr-3457	112	3	the	the	DET
fsr-3457	112	4	studies	study	NOUN
fsr-3457	112	5	were	be	AUX
fsr-3457	112	6	dissimilar	dissimilar	ADJ
fsr-3457	112	7	in	in	ADP
fsr-3457	112	8	the	the	DET
fsr-3457	112	9	type	type	NOUN
fsr-3457	112	10	of	of	ADP
fsr-3457	112	11	risk	risk	NOUN
fsr-3457	112	12	presented	present	VERB
fsr-3457	112	13	.	.	PUNCT
fsr-3457	113	1	negative	negative	ADJ
fsr-3457	113	2	outcomes	outcome	NOUN
fsr-3457	113	3	in	in	ADP
fsr-3457	113	4	surgery	surgery	NOUN
fsr-3457	113	5	are	be	AUX
fsr-3457	113	6	death	death	NOUN
fsr-3457	113	7	or	or	CCONJ
fsr-3457	113	8	other	other	ADJ
fsr-3457	113	9	complications	complication	NOUN
fsr-3457	113	10	,	,	PUNCT
fsr-3457	113	11	whereas	whereas	SCONJ
fsr-3457	113	12	portfolio	portfolio	NOUN
fsr-3457	113	13	risk	risk	NOUN
fsr-3457	113	14	is	be	AUX
fsr-3457	113	15	not	not	PART
fsr-3457	113	16	directly	directly	ADV
fsr-3457	113	17	related	relate	VERB
fsr-3457	113	18	to	to	ADP
fsr-3457	113	19	death	death	NOUN
fsr-3457	113	20	.	.	PUNCT
fsr-3457	114	1	also	also	ADV
fsr-3457	114	2	,	,	PUNCT
fsr-3457	114	3	the	the	DET
fsr-3457	114	4	question	question	NOUN
fsr-3457	114	5	posed	pose	VERB
fsr-3457	114	6	to	to	ADP
fsr-3457	114	7	the	the	DET
fsr-3457	114	8	surgeons	surgeon	NOUN
fsr-3457	114	9	had	have	VERB
fsr-3457	114	10	known	know	VERB
fsr-3457	114	11	probabilities	probability	NOUN
fsr-3457	114	12	,	,	PUNCT
fsr-3457	114	13	whereas	whereas	SCONJ
fsr-3457	114	14	the	the	DET
fsr-3457	114	15	type	type	NOUN
fsr-3457	114	16	of	of	ADP
fsr-3457	114	17	market	market	NOUN
fsr-3457	114	18	events	event	NOUN
fsr-3457	114	19	posed	pose	VERB
fsr-3457	114	20	to	to	ADP
fsr-3457	114	21	the	the	DET
fsr-3457	114	22	financial	financial	ADJ
fsr-3457	114	23	planners	planner	NOUN
fsr-3457	114	24	in	in	ADP
fsr-3457	114	25	the	the	DET
fsr-3457	114	26	current	current	ADJ
fsr-3457	114	27	study	study	NOUN
fsr-3457	114	28	are	be	AUX
fsr-3457	114	29	less	less	ADV
fsr-3457	114	30	precise	precise	ADJ
fsr-3457	114	31	(	(	PUNCT
fsr-3457	114	32	taleb	taleb	NOUN
fsr-3457	114	33	,	,	PUNCT
fsr-3457	114	34	2004	2004	NUM
fsr-3457	114	35	)	)	PUNCT
fsr-3457	114	36	.	.	PUNCT
fsr-3457	115	1	financial	financial	ADJ
fsr-3457	115	2	planners	planner	NOUN
fsr-3457	115	3	were	be	AUX
fsr-3457	115	4	randomly	randomly	ADV
fsr-3457	115	5	assigned	assign	VERB
fsr-3457	115	6	to	to	ADP
fsr-3457	115	7	one	one	NUM
fsr-3457	115	8	of	of	ADP
fsr-3457	115	9	two	two	NUM
fsr-3457	115	10	survey	survey	NOUN
fsr-3457	115	11	instruments	instrument	NOUN
fsr-3457	115	12	.	.	PUNCT
fsr-3457	116	1	one	one	NUM
fsr-3457	116	2	group	group	NOUN
fsr-3457	116	3	received	receive	VERB
fsr-3457	116	4	only	only	ADV
fsr-3457	116	5	written	write	VERB
fsr-3457	116	6	probabilistic	probabilistic	ADJ
fsr-3457	116	7	information	information	NOUN
fsr-3457	116	8	and	and	CCONJ
fsr-3457	116	9	the	the	DET
fsr-3457	116	10	other	other	ADJ
fsr-3457	116	11	received	received	AUX
fsr-3457	116	12	written	write	VERB
fsr-3457	116	13	probabilistic	probabilistic	ADJ
fsr-3457	116	14	214	214	NUM
fsr-3457	116	15	m.	m.	NOUN
fsr-3457	116	16	r.	r.	PROPN
fsr-3457	116	17	lurtz	lurtz	PROPN
fsr-3457	116	18	et	et	PROPN
fsr-3457	116	19	al	al	PROPN
fsr-3457	116	20	.	.	PUNCT
fsr-3457	116	21	/	/	SYM
fsr-3457	116	22	financial	financial	ADJ
fsr-3457	116	23	services	service	NOUN
fsr-3457	116	24	review	review	VERB
fsr-3457	116	25	29	29	NUM
fsr-3457	116	26	(	(	PUNCT
fsr-3457	116	27	2021	2021	NUM
fsr-3457	116	28	)	)	PUNCT
fsr-3457	117	1	209–225	209–225	NUM
fsr-3457	117	2	information	information	NOUN
fsr-3457	117	3	plus	plus	CCONJ
fsr-3457	117	4	a	a	DET
fsr-3457	117	5	visual	visual	ADJ
fsr-3457	117	6	aid	aid	NOUN
fsr-3457	117	7	.	.	PUNCT
fsr-3457	118	1	using	use	VERB
fsr-3457	118	2	the	the	DET
fsr-3457	118	3	given	give	VERB
fsr-3457	118	4	information	information	NOUN
fsr-3457	118	5	,	,	PUNCT
fsr-3457	118	6	participants	participant	NOUN
fsr-3457	118	7	were	be	AUX
fsr-3457	118	8	asked	ask	VERB
fsr-3457	118	9	a	a	DET
fsr-3457	118	10	specific	specific	ADJ
fsr-3457	118	11	question	question	NOUN
fsr-3457	118	12	about	about	ADP
fsr-3457	118	13	the	the	DET
fsr-3457	118	14	likelihood	likelihood	NOUN
fsr-3457	118	15	of	of	ADP
fsr-3457	118	16	failure	failure	NOUN
fsr-3457	118	17	for	for	ADP
fsr-3457	118	18	a	a	DET
fsr-3457	118	19	portfolio	portfolio	NOUN
fsr-3457	118	20	given	give	VERB
fsr-3457	118	21	conditions	condition	NOUN
fsr-3457	118	22	similar	similar	ADJ
fsr-3457	118	23	to	to	ADP
fsr-3457	118	24	the	the	DET
fsr-3457	118	25	great	great	ADJ
fsr-3457	118	26	recession	recession	NOUN
fsr-3457	118	27	,	,	PUNCT
fsr-3457	118	28	a	a	DET
fsr-3457	118	29	time	time	NOUN
fsr-3457	118	30	period	period	NOUN
fsr-3457	118	31	resulting	result	VERB
fsr-3457	118	32	in	in	ADP
fsr-3457	118	33	prolonged	prolonged	ADJ
fsr-3457	118	34	capital	capital	NOUN
fsr-3457	118	35	market	market	NOUN
fsr-3457	118	36	decline	decline	NOUN
fsr-3457	118	37	.	.	PUNCT
fsr-3457	119	1	the	the	DET
fsr-3457	119	2	text	text	NOUN
fsr-3457	119	3	-	-	PUNCT
fsr-3457	119	4	only	only	ADJ
fsr-3457	119	5	format	format	NOUN
fsr-3457	119	6	asked	ask	VERB
fsr-3457	119	7	the	the	DET
fsr-3457	119	8	participant	participant	NOUN
fsr-3457	119	9	to	to	PART
fsr-3457	119	10	calculate	calculate	VERB
fsr-3457	119	11	which	which	PRON
fsr-3457	119	12	of	of	ADP
fsr-3457	119	13	the	the	DET
fsr-3457	119	14	two	two	NUM
fsr-3457	119	15	portfolios	portfolio	NOUN
fsr-3457	119	16	would	would	AUX
fsr-3457	119	17	be	be	AUX
fsr-3457	119	18	more	more	ADV
fsr-3457	119	19	resilient	resilient	ADJ
fsr-3457	119	20	given	give	VERB
fsr-3457	119	21	the	the	DET
fsr-3457	119	22	proposed	propose	VERB
fsr-3457	119	23	market	market	NOUN
fsr-3457	119	24	conditions	condition	NOUN
fsr-3457	119	25	:	:	PUNCT
fsr-3457	119	26	you	you	PRON
fsr-3457	119	27	have	have	VERB
fsr-3457	119	28	a	a	DET
fsr-3457	119	29	client	client	NOUN
fsr-3457	119	30	who	who	PRON
fsr-3457	119	31	is	be	AUX
fsr-3457	119	32	fearful	fearful	ADJ
fsr-3457	119	33	of	of	ADP
fsr-3457	119	34	another	another	DET
fsr-3457	119	35	great	great	ADJ
fsr-3457	119	36	recession	recession	NOUN
fsr-3457	119	37	affecting	affect	VERB
fsr-3457	119	38	their	their	PRON
fsr-3457	119	39	portfolio	portfolio	NOUN
fsr-3457	119	40	.	.	PUNCT
fsr-3457	120	1	based	base	VERB
fsr-3457	120	2	upon	upon	SCONJ
fsr-3457	120	3	the	the	DET
fsr-3457	120	4	fact	fact	NOUN
fsr-3457	120	5	-	-	PUNCT
fsr-3457	120	6	finding	finding	NOUN
fsr-3457	120	7	you	you	PRON
fsr-3457	120	8	have	have	AUX
fsr-3457	120	9	done	do	VERB
fsr-3457	120	10	you	you	PRON
fsr-3457	120	11	have	have	AUX
fsr-3457	120	12	narrowed	narrow	VERB
fsr-3457	120	13	the	the	DET
fsr-3457	120	14	possible	possible	ADJ
fsr-3457	120	15	portfolio	portfolio	NOUN
fsr-3457	120	16	strategies	strategy	NOUN
fsr-3457	120	17	to	to	ADP
fsr-3457	120	18	two	two	NUM
fsr-3457	120	19	.	.	PUNCT
fsr-3457	121	1	the	the	DET
fsr-3457	121	2	first	first	ADJ
fsr-3457	121	3	portfolio	portfolio	NOUN
fsr-3457	121	4	strategy	strategy	NOUN
fsr-3457	121	5	is	be	AUX
fsr-3457	121	6	an	an	DET
fsr-3457	121	7	asset	asset	NOUN
fsr-3457	121	8	allocation	allocation	NOUN
fsr-3457	121	9	that	that	PRON
fsr-3457	121	10	is	be	AUX
fsr-3457	121	11	based	base	VERB
fsr-3457	121	12	upon	upon	SCONJ
fsr-3457	121	13	an	an	DET
fsr-3457	121	14	investment	investment	NOUN
fsr-3457	121	15	management	management	NOUN
fsr-3457	121	16	strategy	strategy	NOUN
fsr-3457	121	17	you	you	PRON
fsr-3457	121	18	have	have	AUX
fsr-3457	121	19	been	be	AUX
fsr-3457	121	20	using	use	VERB
fsr-3457	121	21	for	for	ADP
fsr-3457	121	22	years	year	NOUN
fsr-3457	121	23	,	,	PUNCT
fsr-3457	121	24	while	while	SCONJ
fsr-3457	121	25	the	the	DET
fsr-3457	121	26	second	second	NOUN
fsr-3457	121	27	is	be	AUX
fsr-3457	121	28	based	base	VERB
fsr-3457	121	29	upon	upon	SCONJ
fsr-3457	121	30	a	a	DET
fsr-3457	121	31	newer	new	ADJ
fsr-3457	121	32	investment	investment	NOUN
fsr-3457	121	33	strategy	strategy	NOUN
fsr-3457	121	34	.	.	PUNCT
fsr-3457	122	1	you	you	PRON
fsr-3457	122	2	stress	stress	VERB
fsr-3457	122	3	test	test	VERB
fsr-3457	122	4	the	the	DET
fsr-3457	122	5	portfolios	portfolio	NOUN
fsr-3457	122	6	using	use	VERB
fsr-3457	122	7	100	100	NUM
fsr-3457	122	8	simulations	simulation	NOUN
fsr-3457	122	9	.	.	PUNCT
fsr-3457	123	1	portfolios	portfolio	NOUN
fsr-3457	123	2	using	use	VERB
fsr-3457	123	3	the	the	DET
fsr-3457	123	4	first	first	ADJ
fsr-3457	123	5	strategy	strategy	NOUN
fsr-3457	123	6	failed	fail	VERB
fsr-3457	123	7	the	the	DET
fsr-3457	123	8	client	client	NOUN
fsr-3457	123	9	’s	’s	PART
fsr-3457	123	10	goals	goal	NOUN
fsr-3457	123	11	27	27	NUM
fsr-3457	123	12	times	time	NOUN
fsr-3457	123	13	.	.	PUNCT
fsr-3457	124	1	compared	compare	VERB
fsr-3457	124	2	with	with	ADP
fsr-3457	124	3	the	the	DET
fsr-3457	124	4	first	first	ADJ
fsr-3457	124	5	portfolio	portfolio	NOUN
fsr-3457	124	6	,	,	PUNCT
fsr-3457	124	7	the	the	DET
fsr-3457	124	8	new	new	ADJ
fsr-3457	124	9	strategy	strategy	NOUN
fsr-3457	124	10	resulted	result	VERB
fsr-3457	124	11	in	in	ADP
fsr-3457	124	12	seven	seven	NUM
fsr-3457	124	13	fewer	few	ADJ
fsr-3457	124	14	failures	failure	NOUN
fsr-3457	124	15	.	.	PUNCT
fsr-3457	125	1	which	which	DET
fsr-3457	125	2	portfolio	portfolio	NOUN
fsr-3457	125	3	strategy	strategy	NOUN
fsr-3457	125	4	do	do	AUX
fsr-3457	125	5	you	you	PRON
fsr-3457	125	6	use	use	VERB
fsr-3457	125	7	?	?	PUNCT
fsr-3457	126	1	in	in	ADP
fsr-3457	126	2	the	the	DET
fsr-3457	126	3	second	second	ADJ
fsr-3457	126	4	condition	condition	NOUN
fsr-3457	126	5	,	,	PUNCT
fsr-3457	126	6	the	the	DET
fsr-3457	126	7	respondent	respondent	NOUN
fsr-3457	126	8	was	be	AUX
fsr-3457	126	9	given	give	VERB
fsr-3457	126	10	the	the	DET
fsr-3457	126	11	same	same	ADJ
fsr-3457	126	12	question	question	NOUN
fsr-3457	126	13	,	,	PUNCT
fsr-3457	126	14	but	but	CCONJ
fsr-3457	126	15	the	the	DET
fsr-3457	126	16	success	success	NOUN
fsr-3457	126	17	and	and	CCONJ
fsr-3457	126	18	failure	failure	NOUN
fsr-3457	126	19	of	of	ADP
fsr-3457	126	20	the	the	DET
fsr-3457	126	21	portfolios	portfolio	NOUN
fsr-3457	126	22	was	be	AUX
fsr-3457	126	23	also	also	ADV
fsr-3457	126	24	represented	represent	VERB
fsr-3457	126	25	by	by	ADP
fsr-3457	126	26	a	a	DET
fsr-3457	126	27	visual	visual	ADJ
fsr-3457	126	28	aid	aid	NOUN
fsr-3457	126	29	comprised	comprise	VERB
fsr-3457	126	30	of	of	ADP
fsr-3457	126	31	an	an	DET
fsr-3457	126	32	icon	icon	NOUN
fsr-3457	126	33	array	array	NOUN
fsr-3457	126	34	(	(	PUNCT
fsr-3457	126	35	fig	fig	NOUN
fsr-3457	126	36	.	.	PUNCT
fsr-3457	127	1	2	2	NUM
fsr-3457	127	2	)	)	PUNCT
fsr-3457	127	3	.	.	PUNCT
fsr-3457	128	1	as	as	ADP
fsr-3457	128	2	such	such	ADJ
fsr-3457	128	3	,	,	PUNCT
fsr-3457	128	4	the	the	DET
fsr-3457	128	5	condition	condition	NOUN
fsr-3457	128	6	being	be	AUX
fsr-3457	128	7	applied	apply	VERB
fsr-3457	128	8	in	in	ADP
fsr-3457	128	9	this	this	DET
fsr-3457	128	10	study	study	NOUN
fsr-3457	128	11	was	be	AUX
fsr-3457	128	12	the	the	DET
fsr-3457	128	13	presence	presence	NOUN
fsr-3457	128	14	,	,	PUNCT
fsr-3457	128	15	or	or	CCONJ
fsr-3457	128	16	lack	lack	NOUN
fsr-3457	128	17	thereof	thereof	ADV
fsr-3457	128	18	,	,	PUNCT
fsr-3457	128	19	of	of	ADP
fsr-3457	128	20	the	the	DET
fsr-3457	128	21	icon	icon	NOUN
fsr-3457	128	22	array	array	NOUN
fsr-3457	128	23	.	.	PUNCT
fsr-3457	129	1	the	the	DET
fsr-3457	129	2	outcome	outcome	NOUN
fsr-3457	129	3	of	of	ADP
fsr-3457	129	4	interest	interest	NOUN
fsr-3457	129	5	or	or	CCONJ
fsr-3457	129	6	dependent	dependent	ADJ
fsr-3457	129	7	variable	variable	NOUN
fsr-3457	129	8	was	be	AUX
fsr-3457	129	9	the	the	DET
fsr-3457	129	10	correct	correct	ADJ
fsr-3457	129	11	choice	choice	NOUN
fsr-3457	129	12	of	of	ADP
fsr-3457	129	13	portfolio	portfolio	NOUN
fsr-3457	129	14	given	give	VERB
fsr-3457	129	15	the	the	DET
fsr-3457	129	16	situation	situation	NOUN
fsr-3457	129	17	.	.	PUNCT
fsr-3457	130	1	this	this	PRON
fsr-3457	130	2	was	be	AUX
fsr-3457	130	3	identified	identify	VERB
fsr-3457	130	4	as	as	ADP
fsr-3457	130	5	the	the	DET
fsr-3457	130	6	portfolio	portfolio	NOUN
fsr-3457	130	7	failing	fail	VERB
fsr-3457	130	8	the	the	DET
fsr-3457	130	9	fewest	few	ADJ
fsr-3457	130	10	number	number	NOUN
fsr-3457	130	11	of	of	ADP
fsr-3457	130	12	times	time	NOUN
fsr-3457	130	13	.	.	PUNCT
fsr-3457	131	1	for	for	ADP
fsr-3457	131	2	the	the	DET
fsr-3457	131	3	purposes	purpose	NOUN
fsr-3457	131	4	of	of	ADP
fsr-3457	131	5	this	this	DET
fsr-3457	131	6	study	study	NOUN
fsr-3457	131	7	,	,	PUNCT
fsr-3457	131	8	if	if	SCONJ
fsr-3457	131	9	the	the	DET
fsr-3457	131	10	respondent	respondent	NOUN
fsr-3457	131	11	were	be	AUX
fsr-3457	131	12	in	in	ADP
fsr-3457	131	13	the	the	DET
fsr-3457	131	14	non	non	ADJ
fsr-3457	131	15	-	-	ADJ
fsr-3457	131	16	visual	visual	ADJ
fsr-3457	131	17	aid	aid	NOUN
fsr-3457	131	18	condition	condition	NOUN
fsr-3457	131	19	,	,	PUNCT
fsr-3457	131	20	they	they	PRON
fsr-3457	131	21	were	be	AUX
fsr-3457	131	22	coded	code	VERB
fsr-3457	131	23	as	as	ADP
fsr-3457	131	24	“	"	PUNCT
fsr-3457	131	25	0	0	NUM
fsr-3457	131	26	.	.	PUNCT
fsr-3457	131	27	”	"	PUNCT
fsr-3457	132	1	if	if	SCONJ
fsr-3457	132	2	they	they	PRON
fsr-3457	132	3	were	be	AUX
fsr-3457	132	4	in	in	ADP
fsr-3457	132	5	the	the	DET
fsr-3457	132	6	visual	visual	ADJ
fsr-3457	132	7	aid	aid	NOUN
fsr-3457	132	8	condition	condition	NOUN
fsr-3457	132	9	,	,	PUNCT
fsr-3457	132	10	they	they	PRON
fsr-3457	132	11	were	be	AUX
fsr-3457	132	12	coded	code	VERB
fsr-3457	132	13	as	as	ADP
fsr-3457	132	14	1	1	NUM
fsr-3457	132	15	.	.	PUNCT
fsr-3457	133	1	if	if	SCONJ
fsr-3457	133	2	the	the	DET
fsr-3457	133	3	respondent	respondent	NOUN
fsr-3457	133	4	chose	choose	VERB
fsr-3457	133	5	the	the	DET
fsr-3457	133	6	correct	correct	ADJ
fsr-3457	133	7	portfolio	portfolio	NOUN
fsr-3457	133	8	,	,	PUNCT
fsr-3457	133	9	they	they	PRON
fsr-3457	133	10	were	be	AUX
fsr-3457	133	11	coded	code	VERB
fsr-3457	133	12	as	as	ADP
fsr-3457	133	13	1	1	NUM
fsr-3457	133	14	for	for	ADP
fsr-3457	133	15	correct	correct	ADJ
fsr-3457	133	16	answer	answer	NOUN
fsr-3457	133	17	,	,	PUNCT
fsr-3457	133	18	and	and	CCONJ
fsr-3457	133	19	0	0	NUM
fsr-3457	133	20	if	if	SCONJ
fsr-3457	133	21	they	they	PRON
fsr-3457	133	22	chose	choose	VERB
fsr-3457	133	23	incorrectly	incorrectly	ADV
fsr-3457	133	24	.	.	PUNCT
fsr-3457	134	1	4.3	4.3	NUM
fsr-3457	134	2	.	.	PUNCT
fsr-3457	135	1	independent	independent	ADJ
fsr-3457	135	2	variable	variable	NOUN
fsr-3457	135	3	of	of	ADP
fsr-3457	135	4	interests	interest	NOUN
fsr-3457	135	5	risk	risk	NOUN
fsr-3457	135	6	literacy	literacy	NOUN
fsr-3457	135	7	was	be	AUX
fsr-3457	135	8	measured	measure	VERB
fsr-3457	135	9	using	use	VERB
fsr-3457	135	10	the	the	DET
fsr-3457	135	11	berlin	berlin	PROPN
fsr-3457	135	12	numeracy	numeracy	NOUN
fsr-3457	135	13	test	test	NOUN
fsr-3457	135	14	(	(	PUNCT
fsr-3457	135	15	bnt	bnt	PROPN
fsr-3457	135	16	;	;	PUNCT
fsr-3457	135	17	cokely	cokely	PROPN
fsr-3457	135	18	et	et	PROPN
fsr-3457	135	19	al	al	PROPN
fsr-3457	135	20	.	.	PROPN
fsr-3457	135	21	,	,	PUNCT
fsr-3457	135	22	2012	2012	NUM
fsr-3457	135	23	)	)	PUNCT
fsr-3457	135	24	.	.	PUNCT
fsr-3457	136	1	the	the	DET
fsr-3457	136	2	bnt	bnt	PROPN
fsr-3457	136	3	is	be	AUX
fsr-3457	136	4	a	a	DET
fsr-3457	136	5	psychometrically	psychometrically	ADV
fsr-3457	136	6	valid	valid	ADJ
fsr-3457	136	7	survey	survey	NOUN
fsr-3457	136	8	,	,	PUNCT
fsr-3457	136	9	which	which	PRON
fsr-3457	136	10	measures	measure	VERB
fsr-3457	136	11	risk	risk	NOUN
fsr-3457	136	12	literacy	literacy	NOUN
fsr-3457	136	13	and	and	CCONJ
fsr-3457	136	14	has	have	AUX
fsr-3457	136	15	been	be	AUX
fsr-3457	136	16	used	use	VERB
fsr-3457	136	17	fig	fig	NOUN
fsr-3457	136	18	.	.	PUNCT
fsr-3457	137	1	2	2	X
fsr-3457	137	2	.	.	X
fsr-3457	137	3	portfolio	portfolio	NOUN
fsr-3457	137	4	selection	selection	NOUN
fsr-3457	137	5	icon	icon	NOUN
fsr-3457	137	6	.	.	PUNCT
fsr-3457	138	1	m.	m.	PROPN
fsr-3457	138	2	r.	r.	PROPN
fsr-3457	138	3	lurtz	lurtz	PROPN
fsr-3457	138	4	et	et	PROPN
fsr-3457	138	5	al	al	PROPN
fsr-3457	138	6	.	.	PUNCT
fsr-3457	138	7	/	/	SYM
fsr-3457	138	8	financial	financial	ADJ
fsr-3457	138	9	services	service	NOUN
fsr-3457	138	10	review	review	VERB
fsr-3457	138	11	29	29	NUM
fsr-3457	138	12	(	(	PUNCT
fsr-3457	138	13	2021	2021	NUM
fsr-3457	138	14	)	)	PUNCT
fsr-3457	139	1	209–225	209–225	NUM
fsr-3457	139	2	215	215	NUM
fsr-3457	139	3	on	on	ADP
fsr-3457	139	4	various	various	ADJ
fsr-3457	139	5	populations	population	NOUN
fsr-3457	139	6	(	(	PUNCT
fsr-3457	139	7	www.riskliteracy.org	www.riskliteracy.org	NOUN
fsr-3457	139	8	)	)	PUNCT
fsr-3457	139	9	.	.	PUNCT
fsr-3457	140	1	this	this	DET
fsr-3457	140	2	test	test	NOUN
fsr-3457	140	3	has	have	AUX
fsr-3457	140	4	been	be	AUX
fsr-3457	140	5	used	use	VERB
fsr-3457	140	6	in	in	ADP
fsr-3457	140	7	over	over	ADP
fsr-3457	140	8	15	15	NUM
fsr-3457	140	9	countries	country	NOUN
fsr-3457	140	10	and	and	CCONJ
fsr-3457	140	11	has	have	AUX
fsr-3457	140	12	been	be	AUX
fsr-3457	140	13	shown	show	VERB
fsr-3457	140	14	to	to	PART
fsr-3457	140	15	be	be	AUX
fsr-3457	140	16	both	both	CCONJ
fsr-3457	140	17	valid	valid	ADJ
fsr-3457	140	18	and	and	CCONJ
fsr-3457	140	19	reliable	reliable	ADJ
fsr-3457	140	20	(	(	PUNCT
fsr-3457	140	21	cokely	cokely	ADV
fsr-3457	140	22	et	et	PROPN
fsr-3457	140	23	al	al	PROPN
fsr-3457	140	24	.	.	PROPN
fsr-3457	140	25	,	,	PUNCT
fsr-3457	140	26	in	in	ADP
fsr-3457	140	27	press	press	NOUN
fsr-3457	140	28	;	;	PUNCT
fsr-3457	140	29	schwartz	schwartz	PROPN
fsr-3457	140	30	,	,	PUNCT
fsr-3457	140	31	woloshin	woloshin	ADJ
fsr-3457	140	32	,	,	PUNCT
fsr-3457	140	33	black	black	ADJ
fsr-3457	140	34	,	,	PUNCT
fsr-3457	140	35	&	&	CCONJ
fsr-3457	140	36	welch	welch	PROPN
fsr-3457	140	37	,	,	PUNCT
fsr-3457	140	38	1997	1997	NUM
fsr-3457	140	39	)	)	PUNCT
fsr-3457	140	40	.	.	PUNCT
fsr-3457	141	1	previous	previous	ADJ
fsr-3457	141	2	work	work	NOUN
fsr-3457	141	3	differentiated	differentiate	VERB
fsr-3457	141	4	risk	risk	NOUN
fsr-3457	141	5	literacy	literacy	NOUN
fsr-3457	141	6	as	as	ADP
fsr-3457	141	7	a	a	DET
fsr-3457	141	8	unique	unique	ADJ
fsr-3457	141	9	predictor	predictor	NOUN
fsr-3457	141	10	of	of	ADP
fsr-3457	141	11	ability	ability	NOUN
fsr-3457	141	12	to	to	PART
fsr-3457	141	13	understand	understand	VERB
fsr-3457	141	14	and	and	CCONJ
fsr-3457	141	15	work	work	VERB
fsr-3457	141	16	with	with	ADP
fsr-3457	141	17	probabilities	probability	NOUN
fsr-3457	141	18	even	even	ADV
fsr-3457	141	19	after	after	ADP
fsr-3457	141	20	controlling	control	VERB
fsr-3457	141	21	for	for	ADP
fsr-3457	141	22	intellectual	intellectual	ADJ
fsr-3457	141	23	ability	ability	NOUN
fsr-3457	141	24	and	and	CCONJ
fsr-3457	141	25	numerical	numerical	ADJ
fsr-3457	141	26	literacy	literacy	NOUN
fsr-3457	141	27	(	(	PUNCT
fsr-3457	141	28	låg	låg	PROPN
fsr-3457	141	29	,	,	PUNCT
fsr-3457	141	30	bauger	bauger	NOUN
fsr-3457	141	31	,	,	PUNCT
fsr-3457	141	32	lindberg	lindberg	PROPN
fsr-3457	141	33	,	,	PUNCT
fsr-3457	141	34	&	&	CCONJ
fsr-3457	141	35	friborg	friborg	ADJ
fsr-3457	141	36	,	,	PUNCT
fsr-3457	141	37	2014	2014	NUM
fsr-3457	141	38	)	)	PUNCT
fsr-3457	141	39	.	.	PUNCT
fsr-3457	142	1	the	the	DET
fsr-3457	142	2	bnt	bnt	PROPN
fsr-3457	142	3	has	have	AUX
fsr-3457	142	4	since	since	ADV
fsr-3457	142	5	become	become	VERB
fsr-3457	142	6	the	the	DET
fsr-3457	142	7	strongest	strong	ADJ
fsr-3457	142	8	predictor	predictor	NOUN
fsr-3457	142	9	of	of	ADP
fsr-3457	142	10	an	an	DET
fsr-3457	142	11	individual	individual	NOUN
fsr-3457	142	12	’s	’s	PART
fsr-3457	142	13	ability	ability	NOUN
fsr-3457	142	14	to	to	PART
fsr-3457	142	15	assess	assess	VERB
fsr-3457	142	16	and	and	CCONJ
fsr-3457	142	17	understand	understand	VERB
fsr-3457	142	18	everyday	everyday	ADJ
fsr-3457	142	19	risk	risk	NOUN
fsr-3457	142	20	(	(	PUNCT
fsr-3457	142	21	cokely	cokely	ADV
fsr-3457	142	22	et	et	PROPN
fsr-3457	142	23	al	al	PROPN
fsr-3457	142	24	.	.	PROPN
fsr-3457	142	25	,	,	PUNCT
fsr-3457	142	26	2012	2012	NUM
fsr-3457	142	27	)	)	PUNCT
fsr-3457	142	28	.	.	PUNCT
fsr-3457	143	1	all	all	DET
fsr-3457	143	2	seven	seven	NUM
fsr-3457	143	3	questions	question	NOUN
fsr-3457	143	4	were	be	AUX
fsr-3457	143	5	asked	ask	VERB
fsr-3457	143	6	in	in	ADP
fsr-3457	143	7	this	this	DET
fsr-3457	143	8	survey	survey	NOUN
fsr-3457	143	9	,	,	PUNCT
fsr-3457	143	10	as	as	SCONJ
fsr-3457	143	11	used	use	VERB
fsr-3457	143	12	in	in	ADP
fsr-3457	143	13	the	the	DET
fsr-3457	143	14	more	more	ADV
fsr-3457	143	15	comprehensive	comprehensive	ADJ
fsr-3457	143	16	risk	risk	NOUN
fsr-3457	143	17	literacy	literacy	NOUN
fsr-3457	143	18	tests	test	NOUN
fsr-3457	143	19	.	.	PUNCT
fsr-3457	144	1	the	the	DET
fsr-3457	144	2	analysis	analysis	NOUN
fsr-3457	144	3	only	only	ADV
fsr-3457	144	4	used	use	VERB
fsr-3457	144	5	the	the	DET
fsr-3457	144	6	four	four	NUM
fsr-3457	144	7	asked	ask	VERB
fsr-3457	144	8	on	on	ADP
fsr-3457	144	9	the	the	DET
fsr-3457	144	10	pen	pen	NOUN
fsr-3457	144	11	and	and	CCONJ
fsr-3457	144	12	paper	paper	NOUN
fsr-3457	144	13	bnt	bnt	PROPN
fsr-3457	144	14	.	.	PUNCT
fsr-3457	145	1	this	this	PRON
fsr-3457	145	2	more	more	ADV
fsr-3457	145	3	closely	closely	ADV
fsr-3457	145	4	aligns	align	VERB
fsr-3457	145	5	with	with	ADP
fsr-3457	145	6	other	other	ADJ
fsr-3457	145	7	studies	study	NOUN
fsr-3457	145	8	of	of	ADP
fsr-3457	145	9	surgeons	surgeon	NOUN
fsr-3457	145	10	(	(	PUNCT
fsr-3457	145	11	garcia	garcia	PROPN
fsr-3457	145	12	-	-	PUNCT
fsr-3457	145	13	retamero	retamero	NOUN
fsr-3457	145	14	,	,	PUNCT
fsr-3457	145	15	2016	2016	NUM
fsr-3457	145	16	)	)	PUNCT
fsr-3457	145	17	and	and	CCONJ
fsr-3457	145	18	the	the	DET
fsr-3457	145	19	general	general	ADJ
fsr-3457	145	20	population	population	NOUN
fsr-3457	145	21	(	(	PUNCT
fsr-3457	145	22	cokely	cokely	ADV
fsr-3457	145	23	et	et	PROPN
fsr-3457	145	24	al	al	PROPN
fsr-3457	145	25	.	.	PROPN
fsr-3457	145	26	,	,	PUNCT
fsr-3457	145	27	2012	2012	NUM
fsr-3457	145	28	)	)	PUNCT
fsr-3457	145	29	.	.	PUNCT
fsr-3457	146	1	this	this	DET
fsr-3457	146	2	measure	measure	NOUN
fsr-3457	146	3	is	be	AUX
fsr-3457	146	4	scored	score	VERB
fsr-3457	146	5	as	as	ADP
fsr-3457	146	6	a	a	DET
fsr-3457	146	7	0–3	0–3	NUM
fsr-3457	146	8	variable	variable	NOUN
fsr-3457	146	9	based	base	VERB
fsr-3457	146	10	upon	upon	SCONJ
fsr-3457	146	11	the	the	DET
fsr-3457	146	12	number	number	NOUN
fsr-3457	146	13	of	of	ADP
fsr-3457	146	14	correct	correct	ADJ
fsr-3457	146	15	responses	response	NOUN
fsr-3457	146	16	.	.	PUNCT
fsr-3457	147	1	categories	category	NOUN
fsr-3457	147	2	were	be	AUX
fsr-3457	147	3	collapsed	collapse	VERB
fsr-3457	147	4	with	with	ADP
fsr-3457	147	5	scores	score	NOUN
fsr-3457	147	6	of	of	ADP
fsr-3457	147	7	0	0	NUM
fsr-3457	147	8	and	and	CCONJ
fsr-3457	147	9	1	1	NUM
fsr-3457	147	10	=	=	SYM
fsr-3457	147	11	low	low	ADJ
fsr-3457	147	12	numeracy	numeracy	NOUN
fsr-3457	147	13	,	,	PUNCT
fsr-3457	147	14	2	2	NUM
fsr-3457	147	15	and	and	CCONJ
fsr-3457	147	16	3	3	NUM
fsr-3457	147	17	=	=	SYM
fsr-3457	147	18	moderate	moderate	ADJ
fsr-3457	147	19	numeracy	numeracy	NOUN
fsr-3457	147	20	,	,	PUNCT
fsr-3457	147	21	and	and	CCONJ
fsr-3457	147	22	4	4	NUM
fsr-3457	147	23	=	=	SYM
fsr-3457	147	24	high	high	ADJ
fsr-3457	147	25	numeracy	numeracy	NOUN
fsr-3457	147	26	.	.	PUNCT
fsr-3457	148	1	the	the	DET
fsr-3457	148	2	cfp	cfp	PROPN
fsr-3457	148	3	certification	certification	NOUN
fsr-3457	148	4	was	be	AUX
fsr-3457	148	5	a	a	DET
fsr-3457	148	6	self	self	NOUN
fsr-3457	148	7	-	-	PUNCT
fsr-3457	148	8	reported	report	VERB
fsr-3457	148	9	measure	measure	NOUN
fsr-3457	148	10	.	.	PUNCT
fsr-3457	149	1	participants	participant	NOUN
fsr-3457	149	2	indicated	indicate	VERB
fsr-3457	149	3	whether	whether	SCONJ
fsr-3457	149	4	or	or	CCONJ
fsr-3457	149	5	not	not	PART
fsr-3457	149	6	they	they	PRON
fsr-3457	149	7	held	hold	VERB
fsr-3457	149	8	the	the	DET
fsr-3457	149	9	certification	certification	NOUN
fsr-3457	149	10	.	.	PUNCT
fsr-3457	150	1	thus	thus	ADV
fsr-3457	150	2	,	,	PUNCT
fsr-3457	150	3	a	a	DET
fsr-3457	150	4	binary	binary	ADJ
fsr-3457	150	5	variable	variable	NOUN
fsr-3457	150	6	of	of	ADP
fsr-3457	150	7	cfp	cfp	PROPN
fsr-3457	150	8	certification	certification	NOUN
fsr-3457	150	9	was	be	AUX
fsr-3457	150	10	used	use	VERB
fsr-3457	150	11	.	.	PUNCT
fsr-3457	151	1	if	if	SCONJ
fsr-3457	151	2	an	an	DET
fsr-3457	151	3	individual	individual	NOUN
fsr-3457	151	4	held	hold	VERB
fsr-3457	151	5	the	the	DET
fsr-3457	151	6	cfp	cfp	PROPN
fsr-3457	151	7	certification	certification	NOUN
fsr-3457	151	8	,	,	PUNCT
fsr-3457	151	9	they	they	PRON
fsr-3457	151	10	were	be	AUX
fsr-3457	151	11	coded	code	VERB
fsr-3457	151	12	as	as	ADP
fsr-3457	151	13	a	a	DET
fsr-3457	151	14	1	1	NUM
fsr-3457	151	15	,	,	PUNCT
fsr-3457	151	16	and	and	CCONJ
fsr-3457	151	17	if	if	SCONJ
fsr-3457	151	18	not	not	PART
fsr-3457	151	19	,	,	PUNCT
fsr-3457	151	20	they	they	PRON
fsr-3457	151	21	were	be	AUX
fsr-3457	151	22	coded	code	VERB
fsr-3457	151	23	as	as	ADP
fsr-3457	151	24	0	0	NUM
fsr-3457	151	25	.	.	PUNCT
fsr-3457	152	1	no	no	DET
fsr-3457	152	2	other	other	ADJ
fsr-3457	152	3	demographic	demographic	ADJ
fsr-3457	152	4	variables	variable	NOUN
fsr-3457	152	5	were	be	AUX
fsr-3457	152	6	used	use	VERB
fsr-3457	152	7	in	in	ADP
fsr-3457	152	8	the	the	DET
fsr-3457	152	9	final	final	ADJ
fsr-3457	152	10	regression	regression	NOUN
fsr-3457	152	11	.	.	PUNCT
fsr-3457	153	1	4.4	4.4	NUM
fsr-3457	153	2	.	.	PUNCT
fsr-3457	154	1	demographic	demographic	ADJ
fsr-3457	154	2	variables	variable	NOUN
fsr-3457	154	3	table	table	NOUN
fsr-3457	154	4	1	1	NUM
fsr-3457	154	5	outlines	outline	VERB
fsr-3457	154	6	demographic	demographic	ADJ
fsr-3457	154	7	variable	variable	ADJ
fsr-3457	154	8	descriptive	descriptive	ADJ
fsr-3457	154	9	statistics	statistic	NOUN
fsr-3457	154	10	according	accord	VERB
fsr-3457	154	11	to	to	ADP
fsr-3457	154	12	treatment	treatment	NOUN
fsr-3457	154	13	.	.	PUNCT
fsr-3457	155	1	demographic	demographic	ADJ
fsr-3457	155	2	characteristics	characteristic	NOUN
fsr-3457	155	3	included	include	VERB
fsr-3457	155	4	gender	gender	NOUN
fsr-3457	155	5	,	,	PUNCT
fsr-3457	155	6	cfp	cfp	NOUN
fsr-3457	155	7	certification	certification	NOUN
fsr-3457	155	8	,	,	PUNCT
fsr-3457	155	9	title	title	NOUN
fsr-3457	155	10	,	,	PUNCT
fsr-3457	155	11	compensation	compensation	NOUN
fsr-3457	155	12	method	method	NOUN
fsr-3457	155	13	,	,	PUNCT
fsr-3457	155	14	firm	firm	ADJ
fsr-3457	155	15	type	type	NOUN
fsr-3457	155	16	,	,	PUNCT
fsr-3457	155	17	education	education	NOUN
fsr-3457	155	18	,	,	PUNCT
fsr-3457	155	19	personal	personal	ADJ
fsr-3457	155	20	income	income	NOUN
fsr-3457	155	21	,	,	PUNCT
fsr-3457	155	22	and	and	CCONJ
fsr-3457	155	23	specialty	specialty	NOUN
fsr-3457	155	24	.	.	PUNCT
fsr-3457	156	1	compensation	compensation	NOUN
fsr-3457	156	2	structures	structure	NOUN
fsr-3457	156	3	included	include	VERB
fsr-3457	156	4	:	:	PUNCT
fsr-3457	156	5	(	(	PUNCT
fsr-3457	156	6	1	1	X
fsr-3457	156	7	)	)	PUNCT
fsr-3457	156	8	assets	asset	NOUN
fsr-3457	156	9	under	under	ADP
fsr-3457	156	10	management	management	NOUN
fsr-3457	156	11	(	(	PUNCT
fsr-3457	156	12	aum	aum	NOUN
fsr-3457	156	13	)	)	PUNCT
fsr-3457	156	14	,	,	PUNCT
fsr-3457	156	15	(	(	PUNCT
fsr-3457	156	16	2	2	X
fsr-3457	156	17	)	)	PUNCT
fsr-3457	156	18	aum	aum	NOUN
fsr-3457	156	19	fees	fee	NOUN
fsr-3457	156	20	and	and	CCONJ
fsr-3457	156	21	flat	flat	ADJ
fsr-3457	156	22	fees	fee	NOUN
fsr-3457	156	23	,	,	PUNCT
fsr-3457	156	24	(	(	PUNCT
fsr-3457	156	25	3	3	X
fsr-3457	156	26	)	)	PUNCT
fsr-3457	156	27	combination	combination	NOUN
fsr-3457	156	28	of	of	ADP
fsr-3457	156	29	salary	salary	NOUN
fsr-3457	156	30	,	,	PUNCT
fsr-3457	156	31	profit	profit	NOUN
fsr-3457	156	32	share	share	NOUN
fsr-3457	156	33	,	,	PUNCT
fsr-3457	156	34	and	and	CCONJ
fsr-3457	156	35	commission	commission	NOUN
fsr-3457	156	36	,	,	PUNCT
fsr-3457	156	37	(	(	PUNCT
fsr-3457	156	38	4	4	X
fsr-3457	156	39	)	)	PUNCT
fsr-3457	156	40	commission	commission	NOUN
fsr-3457	156	41	and	and	CCONJ
fsr-3457	156	42	aum	aum	PROPN
fsr-3457	156	43	fees	fee	NOUN
fsr-3457	156	44	,	,	PUNCT
fsr-3457	156	45	(	(	PUNCT
fsr-3457	156	46	5	5	X
fsr-3457	156	47	)	)	PUNCT
fsr-3457	156	48	hourly	hourly	ADJ
fsr-3457	156	49	and	and	CCONJ
fsr-3457	156	50	flat	flat	ADJ
fsr-3457	156	51	fees	fee	NOUN
fsr-3457	156	52	,	,	PUNCT
fsr-3457	156	53	(	(	PUNCT
fsr-3457	156	54	6	6	X
fsr-3457	156	55	)	)	PUNCT
fsr-3457	156	56	hourly	hourly	ADV
fsr-3457	156	57	,	,	PUNCT
fsr-3457	156	58	(	(	PUNCT
fsr-3457	156	59	7	7	X
fsr-3457	156	60	)	)	PUNCT
fsr-3457	156	61	flat	flat	ADJ
fsr-3457	156	62	,	,	PUNCT
fsr-3457	156	63	and	and	CCONJ
fsr-3457	156	64	(	(	PUNCT
fsr-3457	156	65	8)	8)	NUM
fsr-3457	156	66	aum	aum	NOUN
fsr-3457	156	67	fees	fee	NOUN
fsr-3457	156	68	.	.	PUNCT
fsr-3457	157	1	firm	firm	ADJ
fsr-3457	157	2	types	type	NOUN
fsr-3457	157	3	included	include	VERB
fsr-3457	157	4	:	:	PUNCT
fsr-3457	157	5	(	(	PUNCT
fsr-3457	157	6	1	1	X
fsr-3457	157	7	)	)	PUNCT
fsr-3457	157	8	commercial	commercial	ADJ
fsr-3457	157	9	bank	bank	PROPN
fsr-3457	157	10	advisor	advisor	NOUN
fsr-3457	157	11	,	,	PUNCT
fsr-3457	157	12	(	(	PUNCT
fsr-3457	157	13	2	2	X
fsr-3457	157	14	)	)	PUNCT
fsr-3457	157	15	independent	independent	ADJ
fsr-3457	157	16	b	b	PROPN
fsr-3457	157	17	/	/	SYM
fsr-3457	157	18	d	d	NOUN
fsr-3457	157	19	affiliations	affiliation	NOUN
fsr-3457	157	20	,	,	PUNCT
fsr-3457	157	21	(	(	PUNCT
fsr-3457	157	22	3	3	X
fsr-3457	157	23	)	)	PUNCT
fsr-3457	157	24	independent	independent	ADJ
fsr-3457	157	25	registered	register	VERB
fsr-3457	157	26	investment	investment	NOUN
fsr-3457	157	27	advisor	advisor	NOUN
fsr-3457	157	28	(	(	PUNCT
fsr-3457	157	29	ria	ria	PROPN
fsr-3457	157	30	)	)	PUNCT
fsr-3457	157	31	of	of	ADP
fsr-3457	157	32	varying	vary	VERB
fsr-3457	157	33	sizes	size	NOUN
fsr-3457	157	34	,	,	PUNCT
fsr-3457	157	35	(	(	PUNCT
fsr-3457	157	36	4	4	X
fsr-3457	157	37	)	)	PUNCT
fsr-3457	157	38	brokerage	brokerage	NOUN
fsr-3457	157	39	firms	firm	NOUN
fsr-3457	157	40	,	,	PUNCT
fsr-3457	157	41	and	and	CCONJ
fsr-3457	157	42	(	(	PUNCT
fsr-3457	157	43	5	5	X
fsr-3457	157	44	)	)	PUNCT
fsr-3457	157	45	wire	wire	NOUN
fsr-3457	157	46	-	-	PUNCT
fsr-3457	157	47	houses	house	NOUN
fsr-3457	157	48	.	.	PUNCT
fsr-3457	158	1	professional	professional	ADJ
fsr-3457	158	2	qualifications	qualification	NOUN
fsr-3457	158	3	included	include	VERB
fsr-3457	158	4	education	education	NOUN
fsr-3457	158	5	and	and	CCONJ
fsr-3457	158	6	professional	professional	ADJ
fsr-3457	158	7	specialties	specialty	NOUN
fsr-3457	158	8	,	,	PUNCT
fsr-3457	158	9	such	such	ADJ
fsr-3457	158	10	as	as	ADP
fsr-3457	158	11	financial	financial	ADJ
fsr-3457	158	12	planning	planning	NOUN
fsr-3457	158	13	and	and	CCONJ
fsr-3457	158	14	investment	investment	NOUN
fsr-3457	158	15	management	management	NOUN
fsr-3457	158	16	,	,	PUNCT
fsr-3457	158	17	financial	financial	ADJ
fsr-3457	158	18	planning	planning	NOUN
fsr-3457	158	19	only	only	ADV
fsr-3457	158	20	,	,	PUNCT
fsr-3457	158	21	or	or	CCONJ
fsr-3457	158	22	life	life	NOUN
fsr-3457	158	23	planning	planning	NOUN
fsr-3457	158	24	.	.	PUNCT
fsr-3457	159	1	5	5	X
fsr-3457	159	2	.	.	X
fsr-3457	159	3	analyses	analyse	VERB
fsr-3457	159	4	descriptive	descriptive	ADJ
fsr-3457	159	5	analysis	analysis	NOUN
fsr-3457	159	6	was	be	AUX
fsr-3457	159	7	conducted	conduct	VERB
fsr-3457	159	8	using	use	VERB
fsr-3457	159	9	r	r	NOUN
fsr-3457	159	10	,	,	PUNCT
fsr-3457	159	11	in	in	ADP
fsr-3457	159	12	conjunction	conjunction	NOUN
fsr-3457	159	13	with	with	ADP
fsr-3457	159	14	the	the	DET
fsr-3457	159	15	ide	ide	NOUN
fsr-3457	159	16	exploratory.io	exploratory.io	PROPN
fsr-3457	159	17	.	.	PUNCT
fsr-3457	160	1	univariate	univariate	ADJ
fsr-3457	160	2	and	and	CCONJ
fsr-3457	160	3	bivariate	bivariate	ADJ
fsr-3457	160	4	tests	test	NOUN
fsr-3457	160	5	were	be	AUX
fsr-3457	160	6	conducted	conduct	VERB
fsr-3457	160	7	using	use	VERB
fsr-3457	160	8	r	r	NOUN
fsr-3457	160	9	in	in	ADP
fsr-3457	160	10	conjunction	conjunction	NOUN
fsr-3457	160	11	with	with	ADP
fsr-3457	160	12	rstudio	rstudio	NOUN
fsr-3457	160	13	.	.	PUNCT
fsr-3457	161	1	regression	regression	NOUN
fsr-3457	161	2	was	be	AUX
fsr-3457	161	3	conducted	conduct	VERB
fsr-3457	161	4	using	use	VERB
fsr-3457	161	5	r	r	NOUN
fsr-3457	161	6	and	and	CCONJ
fsr-3457	161	7	rstudio	rstudio	NOUN
fsr-3457	161	8	,	,	PUNCT
fsr-3457	161	9	including	include	VERB
fsr-3457	161	10	the	the	DET
fsr-3457	161	11	“	"	PUNCT
fsr-3457	161	12	tidy	tidy	ADJ
fsr-3457	161	13	”	"	PUNCT
fsr-3457	161	14	packages	package	NOUN
fsr-3457	161	15	(	(	PUNCT
fsr-3457	161	16	wickham	wickham	PROPN
fsr-3457	161	17	,	,	PUNCT
fsr-3457	161	18	2018	2018	NUM
fsr-3457	161	19	)	)	PUNCT
fsr-3457	161	20	.	.	PUNCT
fsr-3457	162	1	first	first	ADV
fsr-3457	162	2	,	,	PUNCT
fsr-3457	162	3	to	to	PART
fsr-3457	162	4	determine	determine	VERB
fsr-3457	162	5	if	if	SCONJ
fsr-3457	162	6	the	the	DET
fsr-3457	162	7	group	group	NOUN
fsr-3457	162	8	presented	present	VERB
fsr-3457	162	9	with	with	ADP
fsr-3457	162	10	the	the	DET
fsr-3457	162	11	visual	visual	ADJ
fsr-3457	162	12	aid	aid	NOUN
fsr-3457	162	13	was	be	AUX
fsr-3457	162	14	similar	similar	ADJ
fsr-3457	162	15	to	to	ADP
fsr-3457	162	16	the	the	DET
fsr-3457	162	17	group	group	NOUN
fsr-3457	162	18	presented	present	VERB
fsr-3457	162	19	without	without	ADP
fsr-3457	162	20	a	a	DET
fsr-3457	162	21	visual	visual	NOUN
fsr-3457	162	22	,	,	PUNCT
fsr-3457	162	23	a	a	DET
fsr-3457	162	24	t	t	NOUN
fsr-3457	162	25	-	-	PUNCT
fsr-3457	162	26	test	test	NOUN
fsr-3457	162	27	across	across	ADP
fsr-3457	162	28	risk	risk	NOUN
fsr-3457	162	29	literacy	literacy	NOUN
fsr-3457	162	30	levels	level	NOUN
fsr-3457	162	31	by	by	ADP
fsr-3457	162	32	condition	condition	NOUN
fsr-3457	162	33	was	be	AUX
fsr-3457	162	34	conducted	conduct	VERB
fsr-3457	162	35	.	.	PUNCT
fsr-3457	163	1	to	to	PART
fsr-3457	163	2	investigate	investigate	VERB
fsr-3457	163	3	whether	whether	SCONJ
fsr-3457	163	4	or	or	CCONJ
fsr-3457	163	5	not	not	PART
fsr-3457	163	6	a	a	DET
fsr-3457	163	7	visual	visual	ADJ
fsr-3457	163	8	representation	representation	NOUN
fsr-3457	163	9	of	of	ADP
fsr-3457	163	10	portfolio	portfolio	NOUN
fsr-3457	163	11	risk	risk	NOUN
fsr-3457	163	12	increased	increase	VERB
fsr-3457	163	13	accuracy	accuracy	NOUN
fsr-3457	163	14	in	in	ADP
fsr-3457	163	15	assessing	assess	VERB
fsr-3457	163	16	and	and	CCONJ
fsr-3457	163	17	selecting	select	VERB
fsr-3457	163	18	the	the	DET
fsr-3457	163	19	most	most	ADV
fsr-3457	163	20	resilient	resilient	ADJ
fsr-3457	163	21	portfolio	portfolio	NOUN
fsr-3457	163	22	,	,	PUNCT
fsr-3457	163	23	parametric	parametric	ADJ
fsr-3457	163	24	bootstrap	bootstrap	NOUN
fsr-3457	163	25	logistic	logistic	ADJ
fsr-3457	163	26	regression	regression	NOUN
fsr-3457	163	27	was	be	AUX
fsr-3457	163	28	conducted	conduct	VERB
fsr-3457	163	29	.	.	PUNCT
fsr-3457	164	1	both	both	CCONJ
fsr-3457	164	2	parametric	parametric	ADJ
fsr-3457	164	3	and	and	CCONJ
fsr-3457	164	4	non	non	ADJ
fsr-3457	164	5	-	-	ADJ
fsr-3457	164	6	parametric	parametric	ADJ
fsr-3457	164	7	bootstrap	bootstrap	NOUN
fsr-3457	164	8	analyses	analysis	NOUN
fsr-3457	164	9	were	be	AUX
fsr-3457	164	10	run	run	VERB
fsr-3457	164	11	and	and	CCONJ
fsr-3457	164	12	produced	produce	VERB
fsr-3457	164	13	similar	similar	ADJ
fsr-3457	164	14	results	result	NOUN
fsr-3457	164	15	.	.	PUNCT
fsr-3457	165	1	216	216	NUM
fsr-3457	165	2	m.	m.	NOUN
fsr-3457	165	3	r.	r.	PROPN
fsr-3457	165	4	lurtz	lurtz	PROPN
fsr-3457	165	5	et	et	PROPN
fsr-3457	165	6	al	al	PROPN
fsr-3457	165	7	.	.	PUNCT
fsr-3457	165	8	/	/	SYM
fsr-3457	165	9	financial	financial	ADJ
fsr-3457	165	10	services	service	NOUN
fsr-3457	165	11	review	review	VERB
fsr-3457	165	12	29	29	NUM
fsr-3457	165	13	(	(	PUNCT
fsr-3457	165	14	2021	2021	NUM
fsr-3457	165	15	)	)	PUNCT
fsr-3457	166	1	209–225	209–225	NUM
fsr-3457	166	2	table	table	NOUN
fsr-3457	166	3	1	1	NUM
fsr-3457	166	4	descriptive	descriptive	ADJ
fsr-3457	166	5	statistics	statistic	NOUN
fsr-3457	166	6	of	of	ADP
fsr-3457	166	7	sample	sample	NOUN
fsr-3457	166	8	descriptives	descriptive	NOUN
fsr-3457	166	9	visual	visual	ADJ
fsr-3457	166	10	(	(	PUNCT
fsr-3457	166	11	n	n	NOUN
fsr-3457	166	12	=	=	SYM
fsr-3457	166	13	69	69	NUM
fsr-3457	166	14	)	)	PUNCT
fsr-3457	166	15	variable	variable	ADJ
fsr-3457	166	16	visual	visual	ADJ
fsr-3457	166	17	percent	percent	NOUN
fsr-3457	166	18	no	no	DET
fsr-3457	166	19	visual	visual	ADJ
fsr-3457	166	20	percent	percent	NOUN
fsr-3457	166	21	gender	gender	NOUN
fsr-3457	166	22	male	male	NOUN
fsr-3457	166	23	97.50	97.50	NUM
fsr-3457	166	24	%	%	NOUN
fsr-3457	166	25	91.30	91.30	NUM
fsr-3457	166	26	%	%	NOUN
fsr-3457	166	27	female	female	NOUN
fsr-3457	166	28	2.50	2.50	NUM
fsr-3457	166	29	%	%	NOUN
fsr-3457	166	30	4.35	4.35	NUM
fsr-3457	166	31	%	%	NOUN
fsr-3457	166	32	rather	rather	ADV
fsr-3457	166	33	not	not	PART
fsr-3457	166	34	say	say	VERB
fsr-3457	166	35	0.00	0.00	NUM
fsr-3457	166	36	%	%	NOUN
fsr-3457	166	37	4.35	4.35	NUM
fsr-3457	166	38	%	%	NOUN
fsr-3457	166	39	certified	certify	VERB
fsr-3457	166	40	financial	financial	ADJ
fsr-3457	166	41	planner	planner	NOUN
fsr-3457	166	42	(	(	PUNCT
fsr-3457	166	43	cfp	cfp	PROPN
fsr-3457	166	44	)	)	PUNCT
fsr-3457	166	45	?	?	PUNCT
fsr-3457	167	1	yes	yes	INTJ
fsr-3457	167	2	50.00	50.00	NUM
fsr-3457	167	3	%	%	NOUN
fsr-3457	167	4	53.62	53.62	NUM
fsr-3457	167	5	%	%	NOUN
fsr-3457	167	6	no	no	DET
fsr-3457	167	7	50.00	50.00	NUM
fsr-3457	167	8	%	%	NOUN
fsr-3457	167	9	46.38	46.38	NUM
fsr-3457	167	10	%	%	NOUN
fsr-3457	167	11	title	title	NOUN
fsr-3457	167	12	junior	junior	ADJ
fsr-3457	167	13	financial	financial	ADJ
fsr-3457	167	14	advisor	advisor	NOUN
fsr-3457	167	15	3.50	3.50	NUM
fsr-3457	167	16	%	%	NOUN
fsr-3457	167	17	13.04	13.04	NUM
fsr-3457	167	18	%	%	NOUN
fsr-3457	167	19	assistant	assistant	ADJ
fsr-3457	167	20	financial	financial	ADJ
fsr-3457	167	21	advisor	advisor	NOUN
fsr-3457	167	22	3.50	3.50	NUM
fsr-3457	167	23	%	%	NOUN
fsr-3457	167	24	4.35	4.35	NUM
fsr-3457	167	25	%	%	NOUN
fsr-3457	167	26	broker	broker	NOUN
fsr-3457	167	27	/	/	SYM
fsr-3457	167	28	financial	financial	ADJ
fsr-3457	167	29	advisor	advisor	NOUN
fsr-3457	167	30	32.14	32.14	NUM
fsr-3457	167	31	%	%	NOUN
fsr-3457	167	32	26.09	26.09	NUM
fsr-3457	167	33	%	%	NOUN
fsr-3457	167	34	senior	senior	ADJ
fsr-3457	167	35	advisor	advisor	NOUN
fsr-3457	167	36	/	/	SYM
fsr-3457	167	37	firm	firm	NOUN
fsr-3457	167	38	owner	owner	NOUN
fsr-3457	167	39	46.43	46.43	NUM
fsr-3457	167	40	%	%	NOUN
fsr-3457	167	41	47.83	47.83	NUM
fsr-3457	167	42	%	%	NOUN
fsr-3457	167	43	senior	senior	ADJ
fsr-3457	167	44	financial	financial	ADJ
fsr-3457	167	45	advisor	advisor	NOUN
fsr-3457	167	46	14.29	14.29	NUM
fsr-3457	167	47	%	%	NOUN
fsr-3457	167	48	8.70	8.70	NUM
fsr-3457	167	49	%	%	NOUN
fsr-3457	167	50	compensation	compensation	NOUN
fsr-3457	167	51	method	method	NOUN
fsr-3457	167	52	aum	aum	PROPN
fsr-3457	167	53	fees	fee	NOUN
fsr-3457	167	54	and	and	CCONJ
fsr-3457	167	55	flat	flat	ADJ
fsr-3457	167	56	fees	fee	NOUN
fsr-3457	167	57	10.71	10.71	NUM
fsr-3457	167	58	%	%	NOUN
fsr-3457	167	59	17.39	17.39	NUM
fsr-3457	167	60	%	%	NOUN
fsr-3457	167	61	aum	aum	PROPN
fsr-3457	167	62	fees	fee	NOUN
fsr-3457	167	63	only	only	ADV
fsr-3457	167	64	10.71	10.71	NUM
fsr-3457	167	65	%	%	NOUN
fsr-3457	167	66	4.35	4.35	NUM
fsr-3457	167	67	%	%	NOUN
fsr-3457	167	68	combination	combination	NOUN
fsr-3457	167	69	of	of	ADP
fsr-3457	167	70	salary	salary	NOUN
fsr-3457	167	71	,	,	PUNCT
fsr-3457	167	72	profit	profit	NOUN
fsr-3457	167	73	share	share	NOUN
fsr-3457	167	74	,	,	PUNCT
fsr-3457	167	75	and	and	CCONJ
fsr-3457	167	76	commission	commission	NOUN
fsr-3457	167	77	10.71	10.71	NUM
fsr-3457	167	78	%	%	NOUN
fsr-3457	167	79	17.39	17.39	NUM
fsr-3457	167	80	%	%	NOUN
fsr-3457	167	81	commission	commission	NOUN
fsr-3457	167	82	and	and	CCONJ
fsr-3457	167	83	aum	aum	PROPN
fsr-3457	167	84	fees	fee	NOUN
fsr-3457	167	85	46.43	46.43	NUM
fsr-3457	167	86	%	%	NOUN
fsr-3457	167	87	30.43	30.43	NUM
fsr-3457	167	88	%	%	NOUN
fsr-3457	167	89	hourly	hourly	ADJ
fsr-3457	167	90	and	and	CCONJ
fsr-3457	167	91	flat	flat	ADJ
fsr-3457	167	92	fees	fee	NOUN
fsr-3457	167	93	7.14	7.14	NUM
fsr-3457	167	94	%	%	NOUN
fsr-3457	167	95	0.00	0.00	NUM
fsr-3457	167	96	%	%	NOUN
fsr-3457	167	97	hourly	hourly	ADJ
fsr-3457	167	98	,	,	PUNCT
fsr-3457	167	99	flat	flat	ADJ
fsr-3457	167	100	fees	fee	NOUN
fsr-3457	167	101	,	,	PUNCT
fsr-3457	167	102	and	and	CCONJ
fsr-3457	167	103	aum	aum	PROPN
fsr-3457	167	104	fees	fee	NOUN
fsr-3457	167	105	14.29	14.29	NUM
fsr-3457	167	106	%	%	NOUN
fsr-3457	167	107	26.09	26.09	NUM
fsr-3457	167	108	%	%	NOUN
fsr-3457	167	109	advisor	advisor	NOUN
fsr-3457	167	110	channel	channel	PROPN
fsr-3457	167	111	commercial	commercial	PROPN
fsr-3457	167	112	bank	bank	PROPN
fsr-3457	167	113	advisor	advisor	NOUN
fsr-3457	167	114	3.57	3.57	NUM
fsr-3457	167	115	%	%	NOUN
fsr-3457	167	116	5.88	5.88	NUM
fsr-3457	167	117	%	%	NOUN
fsr-3457	167	118	independent	independent	ADJ
fsr-3457	167	119	b	b	NOUN
fsr-3457	167	120	/	/	SYM
fsr-3457	167	121	d	d	NOUN
fsr-3457	167	122	affiliation	affiliation	NOUN
fsr-3457	167	123	,	,	PUNCT
fsr-3457	167	124	large	large	ADJ
fsr-3457	167	125	(	(	PUNCT
fsr-3457	167	126	>	>	NOUN
fsr-3457	167	127	15	15	NUM
fsr-3457	167	128	)	)	PUNCT
fsr-3457	167	129	3.57	3.57	NUM
fsr-3457	167	130	%	%	NOUN
fsr-3457	167	131	3.92	3.92	NUM
fsr-3457	167	132	%	%	NOUN
fsr-3457	167	133	independent	independent	ADJ
fsr-3457	167	134	b	b	NOUN
fsr-3457	167	135	/	/	SYM
fsr-3457	167	136	d	d	NOUN
fsr-3457	167	137	affiliation	affiliation	NOUN
fsr-3457	167	138	,	,	PUNCT
fsr-3457	167	139	small	small	ADJ
fsr-3457	167	140	(	(	PUNCT
fsr-3457	167	141	<	<	X
fsr-3457	167	142	10	10	NUM
fsr-3457	167	143	)	)	PUNCT
fsr-3457	167	144	17.86	17.86	NUM
fsr-3457	167	145	%	%	NOUN
fsr-3457	167	146	21.57	21.57	NUM
fsr-3457	167	147	%	%	NOUN
fsr-3457	167	148	independent	independent	ADJ
fsr-3457	167	149	ria	ria	PROPN
fsr-3457	167	150	,	,	PUNCT
fsr-3457	167	151	large	large	ADJ
fsr-3457	167	152	10.71	10.71	NUM
fsr-3457	167	153	%	%	NOUN
fsr-3457	167	154	7.84	7.84	NUM
fsr-3457	167	155	%	%	NOUN
fsr-3457	167	156	independent	independent	ADJ
fsr-3457	167	157	ria	ria	PROPN
fsr-3457	167	158	,	,	PUNCT
fsr-3457	167	159	medium	medium	NOUN
fsr-3457	167	160	10.71	10.71	NUM
fsr-3457	167	161	%	%	NOUN
fsr-3457	167	162	7.84	7.84	NUM
fsr-3457	167	163	%	%	NOUN
fsr-3457	167	164	independent	independent	ADJ
fsr-3457	167	165	ria	ria	PROPN
fsr-3457	167	166	,	,	PUNCT
fsr-3457	167	167	small	small	ADJ
fsr-3457	167	168	28.57	28.57	NUM
fsr-3457	167	169	%	%	NOUN
fsr-3457	167	170	33.33	33.33	NUM
fsr-3457	167	171	%	%	NOUN
fsr-3457	167	172	large	large	ADJ
fsr-3457	167	173	regional	regional	ADJ
fsr-3457	167	174	brokerage	brokerage	NOUN
fsr-3457	167	175	firm	firm	NOUN
fsr-3457	167	176	21.43	21.43	NUM
fsr-3457	167	177	%	%	NOUN
fsr-3457	167	178	11.76	11.76	NUM
fsr-3457	167	179	%	%	NOUN
fsr-3457	167	180	large	large	ADJ
fsr-3457	167	181	wire	wire	NOUN
fsr-3457	167	182	-	-	PUNCT
fsr-3457	167	183	house	house	NOUN
fsr-3457	167	184	3.57	3.57	NUM
fsr-3457	167	185	%	%	NOUN
fsr-3457	167	186	7.84	7.84	NUM
fsr-3457	167	187	%	%	NOUN
fsr-3457	167	188	higher	high	ADJ
fsr-3457	167	189	education	education	NOUN
fsr-3457	167	190	masters	master	NOUN
fsr-3457	167	191	28.57	28.57	NUM
fsr-3457	167	192	%	%	NOUN
fsr-3457	167	193	30.43	30.43	NUM
fsr-3457	167	194	%	%	NOUN
fsr-3457	167	195	phd	phd	NOUN
fsr-3457	167	196	,	,	PUNCT
fsr-3457	167	197	masters	master	NOUN
fsr-3457	167	198	7.14	7.14	NUM
fsr-3457	167	199	%	%	NOUN
fsr-3457	167	200	4.35	4.35	NUM
fsr-3457	167	201	%	%	NOUN
fsr-3457	167	202	phd	phd	NOUN
fsr-3457	167	203	3.57	3.57	NUM
fsr-3457	167	204	%	%	NOUN
fsr-3457	167	205	4.35	4.35	NUM
fsr-3457	167	206	%	%	NOUN
fsr-3457	167	207	no	no	DET
fsr-3457	167	208	higher	high	ADJ
fsr-3457	167	209	education	education	NOUN
fsr-3457	167	210	/	/	PUNCT
fsr-3457	167	211	chose	choose	VERB
fsr-3457	167	212	not	not	PART
fsr-3457	167	213	to	to	PART
fsr-3457	167	214	respond	respond	VERB
fsr-3457	167	215	60.71	60.71	NUM
fsr-3457	167	216	%	%	NOUN
fsr-3457	167	217	60.87	60.87	NUM
fsr-3457	167	218	%	%	NOUN
fsr-3457	167	219	income	income	NOUN
fsr-3457	167	220	$	$	SYM
fsr-3457	167	221	0–$20,000	0–$20,000	NUM
fsr-3457	167	222	7.14	7.14	NUM
fsr-3457	167	223	%	%	NOUN
fsr-3457	167	224	4.35	4.35	NUM
fsr-3457	167	225	%	%	NOUN
fsr-3457	167	226	$	$	SYM
fsr-3457	167	227	20,001–$50,000	20,001–$50,000	NUM
fsr-3457	167	228	3.57	3.57	NUM
fsr-3457	167	229	%	%	NOUN
fsr-3457	167	230	13.04	13.04	NUM
fsr-3457	167	231	%	%	NOUN
fsr-3457	167	232	$	$	SYM
fsr-3457	167	233	50,001–$100,000	50,001–$100,000	NUM
fsr-3457	167	234	17.86	17.86	NUM
fsr-3457	167	235	%	%	NOUN
fsr-3457	167	236	17.39	17.39	NUM
fsr-3457	167	237	%	%	NOUN
fsr-3457	167	238	$	$	SYM
fsr-3457	167	239	100,001–$200,000	100,001–$200,000	NUM
fsr-3457	167	240	21.43	21.43	NUM
fsr-3457	167	241	%	%	NOUN
fsr-3457	167	242	21.74	21.74	NUM
fsr-3457	167	243	%	%	NOUN
fsr-3457	167	244	$	$	SYM
fsr-3457	167	245	200,001–$300,000	200,001–$300,000	NUM
fsr-3457	167	246	17.86	17.86	NUM
fsr-3457	167	247	%	%	NOUN
fsr-3457	167	248	30.43	30.43	NUM
fsr-3457	167	249	%	%	NOUN
fsr-3457	167	250	$	$	SYM
fsr-3457	167	251	300,001–$400,000	300,001–$400,000	NUM
fsr-3457	167	252	7.14	7.14	NUM
fsr-3457	167	253	%	%	NOUN
fsr-3457	167	254	4.35	4.35	NUM
fsr-3457	167	255	%	%	NOUN
fsr-3457	167	256	$	$	SYM
fsr-3457	167	257	400,001–$500,000	400,001–$500,000	NUM
fsr-3457	167	258	7.14	7.14	NUM
fsr-3457	167	259	%	%	NOUN
fsr-3457	167	260	0.00	0.00	NUM
fsr-3457	167	261	%	%	NOUN
fsr-3457	167	262	$	$	SYM
fsr-3457	167	263	500,001–$600,000	500,001–$600,000	NUM
fsr-3457	167	264	3.57	3.57	NUM
fsr-3457	167	265	%	%	NOUN
fsr-3457	167	266	0.00	0.00	NUM
fsr-3457	167	267	%	%	NOUN
fsr-3457	167	268	$	$	SYM
fsr-3457	167	269	600,001–$700,000	600,001–$700,000	NUM
fsr-3457	167	270	3.57	3.57	NUM
fsr-3457	167	271	%	%	NOUN
fsr-3457	167	272	3.92	3.92	NUM
fsr-3457	167	273	%	%	NOUN
fsr-3457	167	274	$	$	SYM
fsr-3457	167	275	900,001–$1,000,000	900,001–$1,000,000	NUM
fsr-3457	167	276	0.00	0.00	NUM
fsr-3457	167	277	%	%	NOUN
fsr-3457	167	278	4.35	4.35	NUM
fsr-3457	167	279	%	%	NOUN
fsr-3457	167	280	$	$	SYM
fsr-3457	167	281	1,000,001–$1,500,000	1,000,001–$1,500,000	NUM
fsr-3457	167	282	3.57	3.57	NUM
fsr-3457	167	283	%	%	NOUN
fsr-3457	167	284	0.00	0.00	NUM
fsr-3457	167	285	%	%	NOUN
fsr-3457	167	286	(	(	PUNCT
fsr-3457	167	287	continued	continue	VERB
fsr-3457	167	288	on	on	ADP
fsr-3457	167	289	next	next	ADJ
fsr-3457	167	290	page	page	NOUN
fsr-3457	167	291	)	)	PUNCT
fsr-3457	168	1	m.	m.	PROPN
fsr-3457	168	2	r.	r.	PROPN
fsr-3457	168	3	lurtz	lurtz	PROPN
fsr-3457	168	4	et	et	PROPN
fsr-3457	168	5	al	al	PROPN
fsr-3457	168	6	.	.	PUNCT
fsr-3457	168	7	/	/	SYM
fsr-3457	168	8	financial	financial	ADJ
fsr-3457	168	9	services	service	NOUN
fsr-3457	168	10	review	review	VERB
fsr-3457	168	11	29	29	NUM
fsr-3457	168	12	(	(	PUNCT
fsr-3457	168	13	2021	2021	NUM
fsr-3457	168	14	)	)	PUNCT
fsr-3457	169	1	209–225	209–225	NUM
fsr-3457	169	2	217	217	NUM
fsr-3457	169	3	therefore	therefore	ADV
fsr-3457	169	4	,	,	PUNCT
fsr-3457	169	5	parametric	parametric	ADJ
fsr-3457	169	6	bootstrap	bootstrap	NOUN
fsr-3457	169	7	was	be	AUX
fsr-3457	169	8	used	use	VERB
fsr-3457	169	9	in	in	ADP
fsr-3457	169	10	this	this	DET
fsr-3457	169	11	study	study	NOUN
fsr-3457	169	12	.	.	PUNCT
fsr-3457	170	1	parametric	parametric	PROPN
fsr-3457	170	2	bootstrap	bootstrap	NOUN
fsr-3457	170	3	provides	provide	VERB
fsr-3457	170	4	narrower	narrow	ADJ
fsr-3457	170	5	confidence	confidence	NOUN
fsr-3457	170	6	intervals	interval	NOUN
fsr-3457	170	7	and	and	CCONJ
fsr-3457	170	8	more	more	ADJ
fsr-3457	170	9	power	power	NOUN
fsr-3457	170	10	than	than	ADP
fsr-3457	170	11	non	non	ADJ
fsr-3457	170	12	-	-	ADJ
fsr-3457	170	13	parametric	parametric	ADJ
fsr-3457	170	14	bootstrap	bootstrap	NOUN
fsr-3457	170	15	(	(	PUNCT
fsr-3457	170	16	adjei	adjei	PROPN
fsr-3457	170	17	&	&	CCONJ
fsr-3457	170	18	karim	karim	PROPN
fsr-3457	170	19	,	,	PUNCT
fsr-3457	170	20	2016	2016	NUM
fsr-3457	170	21	)	)	PUNCT
fsr-3457	170	22	.	.	PUNCT
fsr-3457	171	1	bootstrap	bootstrap	NOUN
fsr-3457	171	2	logistic	logistic	ADJ
fsr-3457	171	3	regressions	regression	NOUN
fsr-3457	171	4	have	have	AUX
fsr-3457	171	5	been	be	AUX
fsr-3457	171	6	used	use	VERB
fsr-3457	171	7	in	in	ADP
fsr-3457	171	8	social	social	ADJ
fsr-3457	171	9	science	science	NOUN
fsr-3457	171	10	and	and	CCONJ
fsr-3457	171	11	the	the	DET
fsr-3457	171	12	medical	medical	ADJ
fsr-3457	171	13	field	field	NOUN
fsr-3457	171	14	to	to	PART
fsr-3457	171	15	estimate	estimate	VERB
fsr-3457	171	16	a	a	DET
fsr-3457	171	17	population	population	NOUN
fsr-3457	171	18	by	by	ADP
fsr-3457	171	19	resampling	resample	VERB
fsr-3457	171	20	the	the	DET
fsr-3457	171	21	observations	observation	NOUN
fsr-3457	171	22	(	(	PUNCT
fsr-3457	171	23	fitrianto	fitrianto	ADP
fsr-3457	171	24	&	&	CCONJ
fsr-3457	171	25	cing	cing	PROPN
fsr-3457	171	26	,	,	PUNCT
fsr-3457	171	27	2014).the	2014).the	DET
fsr-3457	171	28	independent	independent	ADJ
fsr-3457	171	29	variables	variable	NOUN
fsr-3457	171	30	included	include	VERB
fsr-3457	171	31	whether	whether	SCONJ
fsr-3457	171	32	or	or	CCONJ
fsr-3457	171	33	not	not	PART
fsr-3457	171	34	the	the	DET
fsr-3457	171	35	participant	participant	NOUN
fsr-3457	171	36	was	be	AUX
fsr-3457	171	37	a	a	DET
fsr-3457	171	38	cfp	cfp	NOUN
fsr-3457	171	39	certificant	certificant	NOUN
fsr-3457	171	40	and	and	CCONJ
fsr-3457	171	41	the	the	DET
fsr-3457	171	42	financial	financial	ADJ
fsr-3457	171	43	planners	planner	NOUN
fsr-3457	171	44	’	'	PUNCT
fsr-3457	171	45	bnt	bnt	PROPN
fsr-3457	171	46	score	score	NOUN
fsr-3457	171	47	.	.	PUNCT
fsr-3457	172	1	the	the	DET
fsr-3457	172	2	dependent	dependent	ADJ
fsr-3457	172	3	variable	variable	NOUN
fsr-3457	172	4	was	be	AUX
fsr-3457	172	5	whether	whether	SCONJ
fsr-3457	172	6	or	or	CCONJ
fsr-3457	172	7	not	not	PART
fsr-3457	172	8	the	the	DET
fsr-3457	172	9	financial	financial	ADJ
fsr-3457	172	10	planner	planner	NOUN
fsr-3457	172	11	selected	select	VERB
fsr-3457	172	12	the	the	DET
fsr-3457	172	13	most	most	ADV
fsr-3457	172	14	resilient	resilient	ADJ
fsr-3457	172	15	portfolio	portfolio	NOUN
fsr-3457	172	16	.	.	PUNCT
fsr-3457	173	1	given	give	VERB
fsr-3457	173	2	the	the	DET
fsr-3457	173	3	small	small	ADJ
fsr-3457	173	4	sample	sample	NOUN
fsr-3457	173	5	size	size	NOUN
fsr-3457	173	6	,	,	PUNCT
fsr-3457	173	7	a	a	DET
fsr-3457	173	8	bootstrap	bootstrap	NOUN
fsr-3457	173	9	logistic	logistic	ADJ
fsr-3457	173	10	regression	regression	NOUN
fsr-3457	173	11	was	be	AUX
fsr-3457	173	12	also	also	ADV
fsr-3457	173	13	conducted	conduct	VERB
fsr-3457	173	14	.	.	PUNCT
fsr-3457	174	1	to	to	PART
fsr-3457	174	2	obtain	obtain	VERB
fsr-3457	174	3	robustness	robustness	NOUN
fsr-3457	174	4	with	with	ADP
fsr-3457	174	5	respect	respect	NOUN
fsr-3457	174	6	to	to	ADP
fsr-3457	174	7	logistic	logistic	ADJ
fsr-3457	174	8	regression	regression	NOUN
fsr-3457	174	9	,	,	PUNCT
fsr-3457	174	10	the	the	DET
fsr-3457	174	11	observations	observation	NOUN
fsr-3457	174	12	were	be	AUX
fsr-3457	174	13	resampled	resample	VERB
fsr-3457	174	14	at	at	ADP
fsr-3457	174	15	random	random	ADJ
fsr-3457	174	16	specific	specific	ADJ
fsr-3457	174	17	intervals	interval	NOUN
fsr-3457	174	18	(	(	PUNCT
fsr-3457	174	19	fitrianto	fitrianto	ADP
fsr-3457	174	20	&	&	CCONJ
fsr-3457	174	21	cing	cing	PROPN
fsr-3457	174	22	,	,	PUNCT
fsr-3457	174	23	2014	2014	NUM
fsr-3457	174	24	)	)	PUNCT
fsr-3457	174	25	.	.	PUNCT
fsr-3457	175	1	in	in	ADP
fsr-3457	175	2	this	this	DET
fsr-3457	175	3	case	case	NOUN
fsr-3457	175	4	,	,	PUNCT
fsr-3457	175	5	at	at	ADP
fsr-3457	175	6	each	each	DET
fsr-3457	175	7	iteration	iteration	NOUN
fsr-3457	175	8	10	10	NUM
fsr-3457	175	9	%	%	NOUN
fsr-3457	175	10	of	of	ADP
fsr-3457	175	11	observations	observation	NOUN
fsr-3457	175	12	were	be	AUX
fsr-3457	175	13	resampled	resample	VERB
fsr-3457	175	14	,	,	PUNCT
fsr-3457	175	15	for	for	ADP
fsr-3457	175	16	a	a	DET
fsr-3457	175	17	total	total	NOUN
fsr-3457	175	18	of	of	ADP
fsr-3457	175	19	four	four	NUM
fsr-3457	175	20	iterations	iteration	NOUN
fsr-3457	175	21	.	.	PUNCT
fsr-3457	176	1	the	the	DET
fsr-3457	176	2	more	more	ADJ
fsr-3457	176	3	iterations	iteration	NOUN
fsr-3457	176	4	,	,	PUNCT
fsr-3457	176	5	the	the	PRON
fsr-3457	176	6	higher	high	ADJ
fsr-3457	176	7	the	the	DET
fsr-3457	176	8	standard	standard	ADJ
fsr-3457	176	9	error	error	NOUN
fsr-3457	176	10	and	and	CCONJ
fsr-3457	176	11	model	model	NOUN
fsr-3457	176	12	specification	specification	NOUN
fsr-3457	176	13	is	be	AUX
fsr-3457	176	14	more	more	ADV
fsr-3457	176	15	difficult	difficult	ADJ
fsr-3457	176	16	as	as	ADP
fsr-3457	176	17	the	the	DET
fsr-3457	176	18	number	number	NOUN
fsr-3457	176	19	of	of	ADP
fsr-3457	176	20	iterations	iteration	NOUN
fsr-3457	176	21	increases	increase	NOUN
fsr-3457	176	22	.	.	PUNCT
fsr-3457	177	1	the	the	DET
fsr-3457	177	2	suggested	suggest	VERB
fsr-3457	177	3	number	number	NOUN
fsr-3457	177	4	of	of	ADP
fsr-3457	177	5	iterations	iteration	NOUN
fsr-3457	177	6	is	be	AUX
fsr-3457	177	7	calculated	calculate	VERB
fsr-3457	177	8	by	by	ADP
fsr-3457	177	9	taking	take	VERB
fsr-3457	177	10	the	the	DET
fsr-3457	177	11	number	number	NOUN
fsr-3457	177	12	of	of	ADP
fsr-3457	177	13	observations	observation	NOUN
fsr-3457	177	14	in	in	ADP
fsr-3457	177	15	the	the	DET
fsr-3457	177	16	sample	sample	NOUN
fsr-3457	177	17	and	and	CCONJ
fsr-3457	177	18	dividing	dividing	NOUN
fsr-3457	177	19	by	by	ADP
fsr-3457	177	20	the	the	DET
fsr-3457	177	21	minimum	minimum	ADJ
fsr-3457	177	22	variable	variable	ADJ
fsr-3457	177	23	requirement	requirement	NOUN
fsr-3457	177	24	for	for	ADP
fsr-3457	177	25	the	the	DET
fsr-3457	177	26	type	type	NOUN
fsr-3457	177	27	of	of	ADP
fsr-3457	177	28	regression	regression	NOUN
fsr-3457	177	29	used	use	VERB
fsr-3457	177	30	,	,	PUNCT
fsr-3457	177	31	which	which	PRON
fsr-3457	177	32	in	in	ADP
fsr-3457	177	33	this	this	DET
fsr-3457	177	34	case	case	NOUN
fsr-3457	177	35	is	be	AUX
fsr-3457	177	36	18	18	NUM
fsr-3457	177	37	.	.	PUNCT
fsr-3457	178	1	five	five	NUM
fsr-3457	178	2	iterations	iteration	NOUN
fsr-3457	178	3	are	be	AUX
fsr-3457	178	4	the	the	DET
fsr-3457	178	5	maximum	maximum	ADJ
fsr-3457	178	6	number	number	NOUN
fsr-3457	178	7	of	of	ADP
fsr-3457	178	8	resamples	resample	NOUN
fsr-3457	178	9	recommended	recommend	VERB
fsr-3457	178	10	(	(	PUNCT
fsr-3457	178	11	fitrianto	fitrianto	ADP
fsr-3457	178	12	&	&	CCONJ
fsr-3457	178	13	cing	cing	PROPN
fsr-3457	178	14	,	,	PUNCT
fsr-3457	178	15	2014	2014	NUM
fsr-3457	178	16	)	)	PUNCT
fsr-3457	178	17	.	.	PUNCT
fsr-3457	179	1	6	6	X
fsr-3457	179	2	.	.	X
fsr-3457	179	3	results	result	NOUN
fsr-3457	179	4	in	in	ADP
fsr-3457	179	5	terms	term	NOUN
fsr-3457	179	6	of	of	ADP
fsr-3457	179	7	risk	risk	NOUN
fsr-3457	179	8	literacy	literacy	NOUN
fsr-3457	179	9	,	,	PUNCT
fsr-3457	179	10	most	most	ADJ
fsr-3457	179	11	participants	participant	NOUN
fsr-3457	179	12	had	have	VERB
fsr-3457	179	13	moderately	moderately	ADV
fsr-3457	179	14	high	high	ADJ
fsr-3457	179	15	risk	risk	NOUN
fsr-3457	179	16	literacy	literacy	NOUN
fsr-3457	179	17	.	.	PUNCT
fsr-3457	180	1	the	the	DET
fsr-3457	180	2	mean	mean	ADJ
fsr-3457	180	3	risk	risk	NOUN
fsr-3457	180	4	literacy	literacy	NOUN
fsr-3457	180	5	score	score	NOUN
fsr-3457	180	6	for	for	ADP
fsr-3457	180	7	financial	financial	ADJ
fsr-3457	180	8	planners	planner	NOUN
fsr-3457	180	9	was	be	AUX
fsr-3457	180	10	2.20	2.20	NUM
fsr-3457	180	11	(	(	PUNCT
fsr-3457	180	12	sd	sd	NOUN
fsr-3457	180	13	=	=	SYM
fsr-3457	180	14	0.99	0.99	NUM
fsr-3457	180	15	)	)	PUNCT
fsr-3457	180	16	.	.	PUNCT
fsr-3457	181	1	the	the	DET
fsr-3457	181	2	cronbach	cronbach	NOUN
fsr-3457	181	3	’s	’s	NOUN
fsr-3457	181	4	a	a	PRON
fsr-3457	181	5	for	for	ADP
fsr-3457	181	6	the	the	DET
fsr-3457	181	7	bnt	bnt	PROPN
fsr-3457	181	8	was	be	AUX
fsr-3457	181	9	.79	.79	NUM
fsr-3457	181	10	.	.	PUNCT
fsr-3457	182	1	the	the	DET
fsr-3457	182	2	following	follow	VERB
fsr-3457	182	3	groups	group	NOUN
fsr-3457	182	4	were	be	AUX
fsr-3457	182	5	compared	compare	VERB
fsr-3457	182	6	with	with	ADP
fsr-3457	182	7	see	see	NOUN
fsr-3457	182	8	if	if	SCONJ
fsr-3457	182	9	they	they	PRON
fsr-3457	182	10	contained	contain	VERB
fsr-3457	182	11	similar	similar	ADJ
fsr-3457	182	12	profiles	profile	NOUN
fsr-3457	182	13	:	:	PUNCT
fsr-3457	182	14	(	(	PUNCT
fsr-3457	182	15	1	1	X
fsr-3457	182	16	)	)	PUNCT
fsr-3457	182	17	cfp	cfp	NOUN
fsr-3457	182	18	status	status	NOUN
fsr-3457	182	19	and	and	CCONJ
fsr-3457	182	20	(	(	PUNCT
fsr-3457	182	21	2	2	NUM
fsr-3457	182	22	)	)	PUNCT
fsr-3457	182	23	risk	risk	NOUN
fsr-3457	182	24	literacy	literacy	NOUN
fsr-3457	182	25	.	.	PUNCT
fsr-3457	183	1	crosstab	crosstab	ADJ
fsr-3457	183	2	information	information	NOUN
fsr-3457	183	3	(	(	PUNCT
fsr-3457	183	4	table	table	NOUN
fsr-3457	183	5	2	2	NUM
fsr-3457	183	6	)	)	PUNCT
fsr-3457	183	7	indicated	indicate	VERB
fsr-3457	183	8	44.44	44.44	NUM
fsr-3457	183	9	%	%	NOUN
fsr-3457	183	10	of	of	ADP
fsr-3457	183	11	non	non	ADJ
fsr-3457	183	12	-	-	ADJ
fsr-3457	183	13	cfp	cfp	ADJ
fsr-3457	183	14	holders	holder	NOUN
fsr-3457	183	15	had	have	VERB
fsr-3457	183	16	“	"	PUNCT
fsr-3457	183	17	low	low	ADJ
fsr-3457	183	18	”	"	PUNCT
fsr-3457	183	19	risk	risk	NOUN
fsr-3457	183	20	literacy	literacy	NOUN
fsr-3457	183	21	compared	compare	VERB
fsr-3457	183	22	with	with	ADP
fsr-3457	183	23	21.43	21.43	NUM
fsr-3457	183	24	%	%	NOUN
fsr-3457	183	25	of	of	ADP
fsr-3457	183	26	cfp	cfp	PROPN
fsr-3457	183	27	holders	holder	NOUN
fsr-3457	183	28	.	.	PUNCT
fsr-3457	184	1	onethird	onethird	PROPN
fsr-3457	184	2	(	(	PUNCT
fsr-3457	184	3	33	33	NUM
fsr-3457	184	4	%	%	NOUN
fsr-3457	184	5	)	)	PUNCT
fsr-3457	184	6	of	of	ADP
fsr-3457	184	7	non	non	ADJ
fsr-3457	184	8	-	-	ADJ
fsr-3457	184	9	cfp	cfp	ADJ
fsr-3457	184	10	holders	holder	NOUN
fsr-3457	184	11	had	have	VERB
fsr-3457	184	12	“	"	PUNCT
fsr-3457	184	13	medium	medium	ADJ
fsr-3457	184	14	”	"	PUNCT
fsr-3457	184	15	risk	risk	NOUN
fsr-3457	184	16	literacy	literacy	NOUN
fsr-3457	184	17	,	,	PUNCT
fsr-3457	184	18	compared	compare	VERB
fsr-3457	184	19	with	with	ADP
fsr-3457	184	20	50	50	NUM
fsr-3457	184	21	%	%	NOUN
fsr-3457	184	22	of	of	ADP
fsr-3457	184	23	cfp	cfp	PROPN
fsr-3457	184	24	certificants	certificant	NOUN
fsr-3457	184	25	.	.	PUNCT
fsr-3457	185	1	those	those	DET
fsr-3457	185	2	respondents	respondent	NOUN
fsr-3457	185	3	in	in	ADP
fsr-3457	185	4	the	the	DET
fsr-3457	185	5	“	"	PUNCT
fsr-3457	185	6	high	high	ADJ
fsr-3457	185	7	”	"	PUNCT
fsr-3457	185	8	group	group	NOUN
fsr-3457	185	9	were	be	AUX
fsr-3457	185	10	22.23	22.23	NUM
fsr-3457	185	11	%	%	NOUN
fsr-3457	185	12	for	for	ADP
fsr-3457	185	13	non	non	ADJ
fsr-3457	185	14	-	-	ADJ
fsr-3457	185	15	cfp	cfp	ADJ
fsr-3457	185	16	holders	holder	NOUN
fsr-3457	185	17	and	and	CCONJ
fsr-3457	185	18	28.57	28.57	NUM
fsr-3457	185	19	%	%	NOUN
fsr-3457	185	20	for	for	ADP
fsr-3457	185	21	cfp	cfp	PROPN
fsr-3457	185	22	holders	holder	NOUN
fsr-3457	185	23	.	.	PUNCT
fsr-3457	186	1	a	a	DET
fsr-3457	186	2	x2	x2	PROPN
fsr-3457	186	3	test	test	NOUN
fsr-3457	186	4	of	of	ADP
fsr-3457	186	5	cfp	cfp	PROPN
fsr-3457	186	6	certificant	certificant	NOUN
fsr-3457	186	7	status	status	NOUN
fsr-3457	186	8	and	and	CCONJ
fsr-3457	186	9	choosing	choose	VERB
fsr-3457	186	10	the	the	DET
fsr-3457	186	11	correct	correct	ADJ
fsr-3457	186	12	portfolio	portfolio	NOUN
fsr-3457	186	13	was	be	AUX
fsr-3457	186	14	conducted	conduct	VERB
fsr-3457	186	15	.	.	PUNCT
fsr-3457	187	1	results	result	NOUN
fsr-3457	187	2	indicated	indicate	VERB
fsr-3457	187	3	that	that	SCONJ
fsr-3457	187	4	choosing	choose	VERB
fsr-3457	187	5	the	the	DET
fsr-3457	187	6	correct	correct	ADJ
fsr-3457	187	7	portfolio	portfolio	NOUN
fsr-3457	187	8	was	be	AUX
fsr-3457	187	9	not	not	PART
fsr-3457	187	10	significantly	significantly	ADV
fsr-3457	187	11	different	different	ADJ
fsr-3457	187	12	and	and	CCONJ
fsr-3457	187	13	independent	independent	ADJ
fsr-3457	187	14	of	of	ADP
fsr-3457	187	15	whether	whether	SCONJ
fsr-3457	187	16	the	the	DET
fsr-3457	187	17	participant	participant	NOUN
fsr-3457	187	18	was	be	AUX
fsr-3457	187	19	a	a	DET
fsr-3457	187	20	cfp	cfp	NOUN
fsr-3457	187	21	certificant	certificant	NOUN
fsr-3457	187	22	or	or	CCONJ
fsr-3457	187	23	not	not	PART
fsr-3457	187	24	.	.	PUNCT
fsr-3457	188	1	results	result	NOUN
fsr-3457	188	2	in	in	ADP
fsr-3457	188	3	table	table	NOUN
fsr-3457	188	4	3	3	NUM
fsr-3457	188	5	indicate	indicate	VERB
fsr-3457	188	6	a	a	DET
fsr-3457	188	7	p	p	NOUN
fsr-3457	188	8	-	-	PUNCT
fsr-3457	188	9	value	value	NOUN
fsr-3457	188	10	of	of	ADP
fsr-3457	188	11	0.16	0.16	NUM
fsr-3457	188	12	.	.	PUNCT
fsr-3457	189	1	of	of	ADP
fsr-3457	189	2	participants	participant	NOUN
fsr-3457	189	3	who	who	PRON
fsr-3457	189	4	received	receive	VERB
fsr-3457	189	5	the	the	DET
fsr-3457	189	6	portfolio	portfolio	NOUN
fsr-3457	189	7	information	information	NOUN
fsr-3457	189	8	with	with	ADP
fsr-3457	189	9	no	no	DET
fsr-3457	189	10	visual	visual	ADJ
fsr-3457	189	11	,	,	PUNCT
fsr-3457	189	12	64	64	NUM
fsr-3457	189	13	%	%	NOUN
fsr-3457	189	14	of	of	ADP
fsr-3457	189	15	participants	participant	NOUN
fsr-3457	189	16	chose	choose	VERB
fsr-3457	189	17	the	the	DET
fsr-3457	189	18	correct	correct	ADJ
fsr-3457	189	19	portfolio	portfolio	NOUN
fsr-3457	189	20	(	(	PUNCT
fsr-3457	189	21	table	table	NOUN
fsr-3457	189	22	4	4	NUM
fsr-3457	189	23	)	)	PUNCT
fsr-3457	189	24	.	.	PUNCT
fsr-3457	190	1	for	for	ADP
fsr-3457	190	2	participants	participant	NOUN
fsr-3457	190	3	who	who	PRON
fsr-3457	190	4	received	receive	VERB
fsr-3457	190	5	the	the	DET
fsr-3457	190	6	portfolio	portfolio	NOUN
fsr-3457	190	7	information	information	NOUN
fsr-3457	190	8	and	and	CCONJ
fsr-3457	190	9	a	a	DET
fsr-3457	190	10	visual	visual	ADJ
fsr-3457	190	11	representation	representation	NOUN
fsr-3457	190	12	,	,	PUNCT
fsr-3457	190	13	87	87	NUM
fsr-3457	190	14	%	%	NOUN
fsr-3457	190	15	chose	choose	VERB
fsr-3457	190	16	the	the	DET
fsr-3457	190	17	correct	correct	ADJ
fsr-3457	190	18	portfolio	portfolio	NOUN
fsr-3457	190	19	.	.	PUNCT
fsr-3457	191	1	a	a	DET
fsr-3457	191	2	x2	x2	PROPN
fsr-3457	191	3	test	test	NOUN
fsr-3457	191	4	was	be	AUX
fsr-3457	191	5	conducted	conduct	VERB
fsr-3457	191	6	table	table	NOUN
fsr-3457	191	7	1	1	NUM
fsr-3457	191	8	(	(	PUNCT
fsr-3457	191	9	continued	continued	ADJ
fsr-3457	191	10	)	)	PUNCT
fsr-3457	191	11	descriptives	descriptives	PROPN
fsr-3457	191	12	visual	visual	ADJ
fsr-3457	191	13	(	(	PUNCT
fsr-3457	191	14	n	n	NOUN
fsr-3457	191	15	=	=	SYM
fsr-3457	191	16	69	69	NUM
fsr-3457	191	17	)	)	PUNCT
fsr-3457	191	18	variable	variable	ADJ
fsr-3457	191	19	visual	visual	ADJ
fsr-3457	191	20	percent	percent	NOUN
fsr-3457	191	21	no	no	DET
fsr-3457	191	22	visual	visual	ADJ
fsr-3457	191	23	percent	percent	NOUN
fsr-3457	191	24	specialty	specialty	NOUN
fsr-3457	191	25	financial	financial	ADJ
fsr-3457	191	26	planning	planning	NOUN
fsr-3457	191	27	and	and	CCONJ
fsr-3457	191	28	investment	investment	NOUN
fsr-3457	191	29	management	management	NOUN
fsr-3457	191	30	96.43	96.43	NUM
fsr-3457	191	31	%	%	NOUN
fsr-3457	191	32	95.65	95.65	NUM
fsr-3457	191	33	%	%	NOUN
fsr-3457	191	34	financial	financial	ADJ
fsr-3457	191	35	planning	planning	NOUN
fsr-3457	191	36	only	only	ADV
fsr-3457	191	37	3.57	3.57	NUM
fsr-3457	191	38	%	%	NOUN
fsr-3457	191	39	0.00	0.00	NUM
fsr-3457	191	40	%	%	NOUN
fsr-3457	191	41	life	life	NOUN
fsr-3457	191	42	planning	plan	VERB
fsr-3457	191	43	0.00	0.00	NUM
fsr-3457	191	44	%	%	NOUN
fsr-3457	191	45	4.35	4.35	NUM
fsr-3457	191	46	%	%	NOUN
fsr-3457	191	47	note	note	NOUN
fsr-3457	191	48	:	:	PUNCT
fsr-3457	191	49	aum	aum	X
fsr-3457	191	50	¼	¼	NOUN
fsr-3457	191	51	assets	asset	NOUN
fsr-3457	191	52	under	under	ADP
fsr-3457	191	53	management	management	NOUN
fsr-3457	191	54	;	;	PUNCT
fsr-3457	191	55	b	b	X
fsr-3457	191	56	/	/	SYM
fsr-3457	191	57	d	d	PROPN
fsr-3457	191	58	¼	¼	NOUN
fsr-3457	191	59	broker	broker	NOUN
fsr-3457	191	60	-	-	PUNCT
fsr-3457	191	61	dealer	dealer	NOUN
fsr-3457	191	62	;	;	PUNCT
fsr-3457	191	63	ria	ria	PROPN
fsr-3457	191	64	¼	¼	NOUN
fsr-3457	191	65	registered	register	VERB
fsr-3457	191	66	investment	investment	NOUN
fsr-3457	191	67	advisor	advisor	NOUN
fsr-3457	191	68	.	.	PROPN
fsr-3457	191	69	218	218	NUM
fsr-3457	191	70	m.	m.	NOUN
fsr-3457	191	71	r.	r.	PROPN
fsr-3457	191	72	lurtz	lurtz	PROPN
fsr-3457	191	73	et	et	PROPN
fsr-3457	191	74	al	al	PROPN
fsr-3457	191	75	.	.	PUNCT
fsr-3457	191	76	/	/	SYM
fsr-3457	191	77	financial	financial	ADJ
fsr-3457	191	78	services	service	NOUN
fsr-3457	191	79	review	review	VERB
fsr-3457	191	80	29	29	NUM
fsr-3457	191	81	(	(	PUNCT
fsr-3457	191	82	2021	2021	NUM
fsr-3457	191	83	)	)	PUNCT
fsr-3457	192	1	209–225	209–225	NUM
fsr-3457	192	2	indicating	indicate	VERB
fsr-3457	192	3	a	a	DET
fsr-3457	192	4	significant	significant	ADJ
fsr-3457	192	5	difference	difference	NOUN
fsr-3457	192	6	(	(	PUNCT
fsr-3457	192	7	p=	p=	NOUN
fsr-3457	192	8	.016	.016	NUM
fsr-3457	192	9	)	)	PUNCT
fsr-3457	192	10	and	and	CCONJ
fsr-3457	192	11	having	have	VERB
fsr-3457	192	12	the	the	DET
fsr-3457	192	13	visual	visual	ADJ
fsr-3457	192	14	aid	aid	NOUN
fsr-3457	192	15	increased	increase	VERB
fsr-3457	192	16	accuracy	accuracy	NOUN
fsr-3457	192	17	.	.	PUNCT
fsr-3457	193	1	a	a	DET
fsr-3457	193	2	robustness	robustness	NOUN
fsr-3457	193	3	check	check	NOUN
fsr-3457	193	4	using	use	VERB
fsr-3457	193	5	a	a	DET
fsr-3457	193	6	t	t	NOUN
fsr-3457	193	7	test	test	NOUN
fsr-3457	193	8	for	for	ADP
fsr-3457	193	9	the	the	DET
fsr-3457	193	10	percentages	percentage	NOUN
fsr-3457	193	11	was	be	AUX
fsr-3457	193	12	also	also	ADV
fsr-3457	193	13	conducted	conduct	VERB
fsr-3457	193	14	,	,	PUNCT
fsr-3457	193	15	confirming	confirm	VERB
fsr-3457	193	16	the	the	DET
fsr-3457	193	17	results	result	NOUN
fsr-3457	193	18	of	of	ADP
fsr-3457	193	19	using	use	VERB
fsr-3457	193	20	the	the	DET
fsr-3457	193	21	count	count	NOUN
fsr-3457	193	22	data	datum	NOUN
fsr-3457	193	23	from	from	ADP
fsr-3457	193	24	the	the	DET
fsr-3457	193	25	x	x	SYM
fsr-3457	193	26	2	2	NUM
fsr-3457	193	27	-	-	PUNCT
fsr-3457	193	28	test	test	NOUN
fsr-3457	193	29	.	.	PUNCT
fsr-3457	194	1	6.1	6.1	NUM
fsr-3457	194	2	.	.	X
fsr-3457	194	3	bootstrap	bootstrap	NOUN
fsr-3457	194	4	logistic	logistic	ADJ
fsr-3457	194	5	regression	regression	NOUN
fsr-3457	194	6	parametric	parametric	PROPN
fsr-3457	194	7	bootstrap	bootstrap	NOUN
fsr-3457	194	8	logistic	logistic	ADJ
fsr-3457	194	9	regression	regression	NOUN
fsr-3457	194	10	results	result	NOUN
fsr-3457	194	11	are	be	AUX
fsr-3457	194	12	presented	present	VERB
fsr-3457	194	13	in	in	ADP
fsr-3457	194	14	table	table	NOUN
fsr-3457	194	15	5	5	NUM
fsr-3457	194	16	.	.	PUNCT
fsr-3457	194	17	results	result	NOUN
fsr-3457	194	18	indicated	indicate	VERB
fsr-3457	194	19	that	that	SCONJ
fsr-3457	194	20	participants	participant	NOUN
fsr-3457	194	21	in	in	ADP
fsr-3457	194	22	the	the	DET
fsr-3457	194	23	group	group	NOUN
fsr-3457	194	24	that	that	PRON
fsr-3457	194	25	saw	see	VERB
fsr-3457	194	26	the	the	DET
fsr-3457	194	27	visual	visual	ADJ
fsr-3457	194	28	representation	representation	NOUN
fsr-3457	194	29	had	have	VERB
fsr-3457	194	30	2.45	2.45	NUM
fsr-3457	194	31	times	time	NOUN
fsr-3457	194	32	(	(	PUNCT
fsr-3457	194	33	p	p	X
fsr-3457	194	34	=	=	NOUN
fsr-3457	194	35	.03	.03	NUM
fsr-3457	194	36	)	)	PUNCT
fsr-3457	194	37	greater	great	ADJ
fsr-3457	194	38	odds	odd	NOUN
fsr-3457	194	39	of	of	ADP
fsr-3457	194	40	choosing	choose	VERB
fsr-3457	194	41	the	the	DET
fsr-3457	194	42	correct	correct	ADJ
fsr-3457	194	43	portfolio	portfolio	NOUN
fsr-3457	194	44	.	.	PUNCT
fsr-3457	195	1	holding	hold	VERB
fsr-3457	195	2	a	a	DET
fsr-3457	195	3	cfp	cfp	NOUN
fsr-3457	195	4	certificate	certificate	NOUN
fsr-3457	195	5	(	(	PUNCT
fsr-3457	195	6	p	p	X
fsr-3457	195	7	=	=	NOUN
fsr-3457	195	8	.25	.25	NUM
fsr-3457	195	9	)	)	PUNCT
fsr-3457	195	10	nor	nor	CCONJ
fsr-3457	195	11	possessing	possess	VERB
fsr-3457	195	12	numeracy	numeracy	NOUN
fsr-3457	195	13	(	(	PUNCT
fsr-3457	195	14	p	p	NOUN
fsr-3457	195	15	=	=	NOUN
fsr-3457	195	16	.29	.29	NUM
fsr-3457	195	17	)	)	PUNCT
fsr-3457	195	18	were	be	AUX
fsr-3457	195	19	significant	significant	ADJ
fsr-3457	195	20	in	in	ADP
fsr-3457	195	21	selecting	select	VERB
fsr-3457	195	22	the	the	DET
fsr-3457	195	23	correct	correct	ADJ
fsr-3457	195	24	portfolio	portfolio	NOUN
fsr-3457	195	25	.	.	PUNCT
fsr-3457	196	1	moreover	moreover	ADV
fsr-3457	196	2	,	,	PUNCT
fsr-3457	196	3	these	these	DET
fsr-3457	196	4	results	result	NOUN
fsr-3457	196	5	do	do	AUX
fsr-3457	196	6	not	not	PART
fsr-3457	196	7	support	support	VERB
fsr-3457	196	8	hypothesis	hypothesis	NOUN
fsr-3457	196	9	1	1	NUM
fsr-3457	196	10	and	and	CCONJ
fsr-3457	196	11	3	3	NUM
fsr-3457	196	12	,	,	PUNCT
fsr-3457	196	13	but	but	CCONJ
fsr-3457	196	14	does	do	AUX
fsr-3457	196	15	provide	provide	VERB
fsr-3457	196	16	support	support	NOUN
fsr-3457	196	17	for	for	ADP
fsr-3457	196	18	hypothesis	hypothesis	NOUN
fsr-3457	196	19	2	2	NUM
fsr-3457	196	20	.	.	PUNCT
fsr-3457	196	21	visually	visually	ADV
fsr-3457	196	22	presented	present	VERB
fsr-3457	196	23	information	information	NOUN
fsr-3457	196	24	had	have	VERB
fsr-3457	196	25	a	a	DET
fsr-3457	196	26	significant	significant	ADJ
fsr-3457	196	27	and	and	CCONJ
fsr-3457	196	28	positive	positive	ADJ
fsr-3457	196	29	impact	impact	NOUN
fsr-3457	196	30	on	on	ADP
fsr-3457	196	31	correct	correct	ADJ
fsr-3457	196	32	portfolio	portfolio	NOUN
fsr-3457	196	33	selection	selection	NOUN
fsr-3457	196	34	.	.	PUNCT
fsr-3457	197	1	univariate	univariate	ADJ
fsr-3457	197	2	models	model	NOUN
fsr-3457	197	3	were	be	AUX
fsr-3457	197	4	run	run	VERB
fsr-3457	197	5	with	with	ADP
fsr-3457	197	6	each	each	DET
fsr-3457	197	7	independent	independent	ADJ
fsr-3457	197	8	variable	variable	NOUN
fsr-3457	197	9	in	in	ADP
fsr-3457	197	10	the	the	DET
fsr-3457	197	11	full	full	ADJ
fsr-3457	197	12	model	model	NOUN
fsr-3457	197	13	.	.	PUNCT
fsr-3457	198	1	results	result	NOUN
fsr-3457	198	2	are	be	AUX
fsr-3457	198	3	similar	similar	ADJ
fsr-3457	198	4	to	to	ADP
fsr-3457	198	5	the	the	DET
fsr-3457	198	6	multivariate	multivariate	NOUN
fsr-3457	198	7	model	model	NOUN
fsr-3457	198	8	and	and	CCONJ
fsr-3457	198	9	are	be	AUX
fsr-3457	198	10	contained	contain	VERB
fsr-3457	198	11	within	within	ADP
fsr-3457	198	12	tables	table	NOUN
fsr-3457	198	13	6	6	NUM
fsr-3457	198	14	,	,	PUNCT
fsr-3457	198	15	7	7	NUM
fsr-3457	198	16	,	,	PUNCT
fsr-3457	198	17	and	and	CCONJ
fsr-3457	198	18	8	8	NUM
fsr-3457	198	19	.	.	X
fsr-3457	199	1	whether	whether	SCONJ
fsr-3457	199	2	or	or	CCONJ
fsr-3457	199	3	not	not	PART
fsr-3457	199	4	a	a	DET
fsr-3457	199	5	participant	participant	NOUN
fsr-3457	199	6	was	be	AUX
fsr-3457	199	7	a	a	DET
fsr-3457	199	8	cfp	cfp	NOUN
fsr-3457	199	9	certificant	certificant	NOUN
fsr-3457	199	10	was	be	AUX
fsr-3457	199	11	not	not	PART
fsr-3457	199	12	significant	significant	ADJ
fsr-3457	199	13	as	as	SCONJ
fsr-3457	199	14	it	it	PRON
fsr-3457	199	15	relates	relate	VERB
fsr-3457	199	16	to	to	ADP
fsr-3457	199	17	selecting	select	VERB
fsr-3457	199	18	the	the	DET
fsr-3457	199	19	correct	correct	ADJ
fsr-3457	199	20	portfolio	portfolio	NOUN
fsr-3457	199	21	(	(	PUNCT
fsr-3457	199	22	p=	p=	NOUN
fsr-3457	199	23	.26	.26	NUM
fsr-3457	199	24	)	)	PUNCT
fsr-3457	199	25	.	.	PUNCT
fsr-3457	200	1	numeracy	numeracy	NOUN
fsr-3457	200	2	was	be	AUX
fsr-3457	200	3	also	also	ADV
fsr-3457	200	4	not	not	PART
fsr-3457	200	5	significant	significant	ADJ
fsr-3457	200	6	in	in	ADP
fsr-3457	200	7	the	the	DET
fsr-3457	200	8	univariate	univariate	ADJ
fsr-3457	200	9	model	model	NOUN
fsr-3457	200	10	(	(	PUNCT
fsr-3457	200	11	p=	p=	NOUN
fsr-3457	200	12	.35	.35	NUM
fsr-3457	200	13	)	)	PUNCT
fsr-3457	200	14	as	as	SCONJ
fsr-3457	200	15	it	it	PRON
fsr-3457	200	16	relates	relate	VERB
fsr-3457	200	17	to	to	ADP
fsr-3457	200	18	selecting	select	VERB
fsr-3457	200	19	the	the	DET
fsr-3457	200	20	correct	correct	ADJ
fsr-3457	200	21	portfolio	portfolio	NOUN
fsr-3457	200	22	.	.	PUNCT
fsr-3457	201	1	whether	whether	SCONJ
fsr-3457	201	2	the	the	DET
fsr-3457	201	3	participant	participant	NOUN
fsr-3457	201	4	received	receive	VERB
fsr-3457	201	5	a	a	DET
fsr-3457	201	6	visual	visual	ADJ
fsr-3457	201	7	aid	aid	NOUN
fsr-3457	201	8	was	be	AUX
fsr-3457	201	9	significant	significant	ADJ
fsr-3457	201	10	(	(	PUNCT
fsr-3457	201	11	p=	p=	NOUN
fsr-3457	201	12	.02	.02	NUM
fsr-3457	201	13	)	)	PUNCT
fsr-3457	201	14	and	and	CCONJ
fsr-3457	201	15	had	have	VERB
fsr-3457	201	16	2.65	2.65	NUM
fsr-3457	201	17	greater	great	ADJ
fsr-3457	201	18	odds	odd	NOUN
fsr-3457	201	19	of	of	ADP
fsr-3457	201	20	choosing	choose	VERB
fsr-3457	201	21	the	the	DET
fsr-3457	201	22	correct	correct	ADJ
fsr-3457	201	23	portfolio	portfolio	NOUN
fsr-3457	201	24	.	.	PUNCT
fsr-3457	202	1	7	7	X
fsr-3457	202	2	.	.	X
fsr-3457	202	3	discussion	discussion	NOUN
fsr-3457	202	4	the	the	DET
fsr-3457	202	5	research	research	NOUN
fsr-3457	202	6	question	question	NOUN
fsr-3457	202	7	was	be	AUX
fsr-3457	202	8	:	:	PUNCT
fsr-3457	202	9	does	do	AUX
fsr-3457	202	10	risk	risk	VERB
fsr-3457	202	11	literacy	literacy	NOUN
fsr-3457	202	12	and	and	CCONJ
fsr-3457	202	13	visual	visual	ADJ
fsr-3457	202	14	representation	representation	NOUN
fsr-3457	202	15	of	of	ADP
fsr-3457	202	16	a	a	DET
fsr-3457	202	17	risk	risk	NOUN
fsr-3457	202	18	-	-	PUNCT
fsr-3457	202	19	related	relate	VERB
fsr-3457	202	20	scenario	scenario	NOUN
fsr-3457	202	21	help	help	VERB
fsr-3457	202	22	financial	financial	ADJ
fsr-3457	202	23	planners	planner	NOUN
fsr-3457	202	24	to	to	PART
fsr-3457	202	25	select	select	VERB
fsr-3457	202	26	an	an	DET
fsr-3457	202	27	appropriate	appropriate	ADJ
fsr-3457	202	28	portfolio	portfolio	NOUN
fsr-3457	202	29	strategy	strategy	NOUN
fsr-3457	202	30	?	?	PUNCT
fsr-3457	203	1	in	in	ADP
fsr-3457	203	2	short	short	ADJ
fsr-3457	203	3	,	,	PUNCT
fsr-3457	203	4	risk	risk	NOUN
fsr-3457	203	5	literacy	literacy	NOUN
fsr-3457	203	6	did	do	AUX
fsr-3457	203	7	not	not	PART
fsr-3457	203	8	impact	impact	VERB
fsr-3457	203	9	appropriate	appropriate	ADJ
fsr-3457	203	10	portfolio	portfolio	NOUN
fsr-3457	203	11	strategy	strategy	NOUN
fsr-3457	203	12	,	,	PUNCT
fsr-3457	203	13	but	but	CCONJ
fsr-3457	203	14	visual	visual	ADJ
fsr-3457	203	15	representation	representation	NOUN
fsr-3457	203	16	did	do	VERB
fsr-3457	203	17	.	.	PUNCT
fsr-3457	204	1	to	to	PART
fsr-3457	204	2	table	table	VERB
fsr-3457	204	3	2	2	NUM
fsr-3457	204	4	cross	cross	NOUN
fsr-3457	204	5	-	-	NOUN
fsr-3457	204	6	tab	tab	NOUN
fsr-3457	204	7	of	of	ADP
fsr-3457	204	8	risk	risk	NOUN
fsr-3457	204	9	literacy	literacy	NOUN
fsr-3457	204	10	by	by	ADP
fsr-3457	204	11	certified	certified	ADJ
fsr-3457	204	12	financial	financial	ADJ
fsr-3457	204	13	planner	planner	NOUN
fsr-3457	204	14	(	(	PUNCT
fsr-3457	204	15	cfp	cfp	NOUN
fsr-3457	204	16	)	)	PUNCT
fsr-3457	204	17	status	status	NOUN
fsr-3457	204	18	risk	risk	NOUN
fsr-3457	204	19	literacy	literacy	NOUN
fsr-3457	204	20	level	level	NOUN
fsr-3457	204	21	non	non	ADJ
fsr-3457	204	22	-	-	ADJ
fsr-3457	204	23	cfp	cfp	ADJ
fsr-3457	204	24	cfp	cfp	PROPN
fsr-3457	204	25	low	low	NOUN
fsr-3457	204	26	44.44	44.44	NUM
fsr-3457	204	27	%	%	NOUN
fsr-3457	204	28	21.43	21.43	NUM
fsr-3457	204	29	%	%	NOUN
fsr-3457	204	30	moderate	moderate	ADJ
fsr-3457	204	31	33.32	33.32	NUM
fsr-3457	204	32	%	%	NOUN
fsr-3457	204	33	50.00	50.00	NUM
fsr-3457	204	34	%	%	NOUN
fsr-3457	204	35	high	high	ADJ
fsr-3457	204	36	22.23	22.23	NUM
fsr-3457	204	37	%	%	NOUN
fsr-3457	204	38	28.57	28.57	NUM
fsr-3457	204	39	%	%	NOUN
fsr-3457	204	40	total	total	NOUN
fsr-3457	204	41	100.00	100.00	NUM
fsr-3457	204	42	%	%	NOUN
fsr-3457	204	43	100.00	100.00	NUM
fsr-3457	204	44	%	%	NOUN
fsr-3457	204	45	table	table	NOUN
fsr-3457	204	46	3	3	NUM
fsr-3457	204	47	v2	v2	NOUN
fsr-3457	204	48	test	test	NOUN
fsr-3457	204	49	of	of	ADP
fsr-3457	204	50	participants	participant	NOUN
fsr-3457	204	51	’	'	PUNCT
fsr-3457	204	52	risk	risk	NOUN
fsr-3457	204	53	literacy	literacy	NOUN
fsr-3457	204	54	on	on	ADP
fsr-3457	204	55	whether	whether	SCONJ
fsr-3457	204	56	they	they	PRON
fsr-3457	204	57	were	be	AUX
fsr-3457	204	58	a	a	DET
fsr-3457	204	59	certified	certified	ADJ
fsr-3457	204	60	financial	financial	ADJ
fsr-3457	204	61	planner	planner	NOUN
fsr-3457	204	62	(	(	PUNCT
fsr-3457	204	63	cpf	cpf	PROPN
fsr-3457	204	64	)	)	PUNCT
fsr-3457	204	65	certificant	certificant	NOUN
fsr-3457	204	66	v2	v2	NOUN
fsr-3457	204	67	degree	degree	NOUN
fsr-3457	204	68	of	of	ADP
fsr-3457	204	69	freedom	freedom	NOUN
fsr-3457	204	70	p	p	NOUN
fsr-3457	204	71	-	-	PUNCT
fsr-3457	204	72	value	value	NOUN
fsr-3457	204	73	6.65	6.65	NUM
fsr-3457	204	74	4	4	NUM
fsr-3457	204	75	0.16	0.16	NUM
fsr-3457	204	76	significance	significance	NOUN
fsr-3457	204	77	levels	level	NOUN
fsr-3457	204	78	*	*	PUNCT
fsr-3457	204	79	p	p	X
fsr-3457	204	80	<	<	X
fsr-3457	204	81	.10	.10	NUM
fsr-3457	204	82	,	,	PUNCT
fsr-3457	204	83	*	*	PUNCT
fsr-3457	205	1	*	*	PUNCT
fsr-3457	205	2	p	p	X
fsr-3457	205	3	<	<	X
fsr-3457	205	4	.05	.05	NUM
fsr-3457	205	5	,	,	PUNCT
fsr-3457	205	6	*	*	PUNCT
fsr-3457	206	1	*	*	PUNCT
fsr-3457	206	2	*	*	PUNCT
fsr-3457	206	3	p	p	X
fsr-3457	206	4	<	<	X
fsr-3457	206	5	.01	.01	NUM
fsr-3457	206	6	.	.	PUNCT
fsr-3457	206	7	m.	m.	PROPN
fsr-3457	206	8	r.	r.	PROPN
fsr-3457	206	9	lurtz	lurtz	PROPN
fsr-3457	206	10	et	et	PROPN
fsr-3457	206	11	al	al	PROPN
fsr-3457	206	12	.	.	PUNCT
fsr-3457	206	13	/	/	SYM
fsr-3457	206	14	financial	financial	ADJ
fsr-3457	206	15	services	service	NOUN
fsr-3457	206	16	review	review	VERB
fsr-3457	206	17	29	29	NUM
fsr-3457	206	18	(	(	PUNCT
fsr-3457	206	19	2021	2021	NUM
fsr-3457	206	20	)	)	PUNCT
fsr-3457	207	1	209–225	209–225	NUM
fsr-3457	207	2	219	219	NUM
fsr-3457	207	3	investigate	investigate	VERB
fsr-3457	207	4	this	this	DET
fsr-3457	207	5	question	question	NOUN
fsr-3457	207	6	,	,	PUNCT
fsr-3457	207	7	the	the	DET
fsr-3457	207	8	study	study	NOUN
fsr-3457	207	9	measured	measure	VERB
fsr-3457	207	10	risk	risk	NOUN
fsr-3457	207	11	literacy	literacy	NOUN
fsr-3457	207	12	using	use	VERB
fsr-3457	207	13	the	the	DET
fsr-3457	207	14	bnt	bnt	PROPN
fsr-3457	207	15	and	and	CCONJ
fsr-3457	207	16	an	an	DET
fsr-3457	207	17	experimental	experimental	ADJ
fsr-3457	207	18	design	design	NOUN
fsr-3457	207	19	,	,	PUNCT
fsr-3457	207	20	which	which	PRON
fsr-3457	207	21	consisted	consist	VERB
fsr-3457	207	22	of	of	ADP
fsr-3457	207	23	a	a	DET
fsr-3457	207	24	randomly	randomly	ADV
fsr-3457	207	25	assigned	assign	VERB
fsr-3457	207	26	visual	visual	ADJ
fsr-3457	207	27	aid	aid	NOUN
fsr-3457	207	28	component	component	NOUN
fsr-3457	207	29	.	.	PUNCT
fsr-3457	208	1	high	high	ADJ
fsr-3457	208	2	risk	risk	NOUN
fsr-3457	208	3	literacy	literacy	NOUN
fsr-3457	208	4	may	may	AUX
fsr-3457	208	5	be	be	AUX
fsr-3457	208	6	related	relate	VERB
fsr-3457	208	7	to	to	ADP
fsr-3457	208	8	the	the	DET
fsr-3457	208	9	unique	unique	ADJ
fsr-3457	208	10	nature	nature	NOUN
fsr-3457	208	11	of	of	ADP
fsr-3457	208	12	financial	financial	ADJ
fsr-3457	208	13	planners	planner	NOUN
fsr-3457	208	14	’	'	PUNCT
fsr-3457	208	15	work	work	NOUN
fsr-3457	208	16	,	,	PUNCT
fsr-3457	208	17	as	as	SCONJ
fsr-3457	208	18	it	it	PRON
fsr-3457	208	19	is	be	AUX
fsr-3457	208	20	inherently	inherently	ADV
fsr-3457	208	21	involved	involve	VERB
fsr-3457	208	22	with	with	ADP
fsr-3457	208	23	discussing	discuss	VERB
fsr-3457	208	24	,	,	PUNCT
fsr-3457	208	25	understanding	understanding	NOUN
fsr-3457	208	26	,	,	PUNCT
fsr-3457	208	27	and	and	CCONJ
fsr-3457	208	28	measuring	measure	VERB
fsr-3457	208	29	risk	risk	NOUN
fsr-3457	208	30	.	.	PUNCT
fsr-3457	209	1	the	the	DET
fsr-3457	209	2	study	study	NOUN
fsr-3457	209	3	suggests	suggest	VERB
fsr-3457	209	4	those	those	DET
fsr-3457	209	5	planners	planner	NOUN
fsr-3457	209	6	who	who	PRON
fsr-3457	209	7	further	further	VERB
fsr-3457	209	8	their	their	PRON
fsr-3457	209	9	education	education	NOUN
fsr-3457	209	10	and	and	CCONJ
fsr-3457	209	11	obtain	obtain	VERB
fsr-3457	209	12	the	the	DET
fsr-3457	209	13	cfp	cfp	NOUN
fsr-3457	209	14	certification	certification	NOUN
fsr-3457	209	15	have	have	VERB
fsr-3457	209	16	higher	high	ADJ
fsr-3457	209	17	risk	risk	NOUN
fsr-3457	209	18	literacy	literacy	NOUN
fsr-3457	209	19	scores	score	NOUN
fsr-3457	209	20	.	.	PUNCT
fsr-3457	210	1	the	the	DET
fsr-3457	210	2	type	type	NOUN
fsr-3457	210	3	of	of	ADP
fsr-3457	210	4	work	work	NOUN
fsr-3457	210	5	,	,	PUNCT
fsr-3457	210	6	education	education	NOUN
fsr-3457	210	7	,	,	PUNCT
fsr-3457	210	8	and	and	CCONJ
fsr-3457	210	9	use	use	NOUN
fsr-3457	210	10	of	of	ADP
fsr-3457	210	11	the	the	DET
fsr-3457	210	12	seven	seven	NUM
fsr-3457	210	13	-	-	PUNCT
fsr-3457	210	14	step	step	NOUN
fsr-3457	210	15	process	process	NOUN
fsr-3457	210	16	may	may	AUX
fsr-3457	210	17	be	be	AUX
fsr-3457	210	18	related	relate	VERB
fsr-3457	210	19	to	to	ADP
fsr-3457	210	20	higher	high	ADJ
fsr-3457	210	21	levels	level	NOUN
fsr-3457	210	22	of	of	ADP
fsr-3457	210	23	risk	risk	NOUN
fsr-3457	210	24	literacy	literacy	NOUN
fsr-3457	210	25	among	among	ADP
fsr-3457	210	26	those	those	PRON
fsr-3457	210	27	who	who	PRON
fsr-3457	210	28	hold	hold	VERB
fsr-3457	210	29	a	a	DET
fsr-3457	210	30	cfp	cfp	NOUN
fsr-3457	210	31	certification	certification	NOUN
fsr-3457	210	32	.	.	PUNCT
fsr-3457	211	1	on	on	ADP
fsr-3457	211	2	the	the	DET
fsr-3457	211	3	other	other	ADJ
fsr-3457	211	4	hand	hand	NOUN
fsr-3457	211	5	,	,	PUNCT
fsr-3457	211	6	it	it	PRON
fsr-3457	211	7	is	be	AUX
fsr-3457	211	8	also	also	ADV
fsr-3457	211	9	important	important	ADJ
fsr-3457	211	10	to	to	PART
fsr-3457	211	11	recognize	recognize	VERB
fsr-3457	211	12	that	that	SCONJ
fsr-3457	211	13	this	this	DET
fsr-3457	211	14	finding	finding	NOUN
fsr-3457	211	15	may	may	AUX
fsr-3457	211	16	also	also	ADV
fsr-3457	211	17	be	be	AUX
fsr-3457	211	18	a	a	DET
fsr-3457	211	19	selection	selection	NOUN
fsr-3457	211	20	effect	effect	NOUN
fsr-3457	211	21	,	,	PUNCT
fsr-3457	211	22	and	and	CCONJ
fsr-3457	211	23	those	those	PRON
fsr-3457	211	24	with	with	ADP
fsr-3457	211	25	higher	high	ADJ
fsr-3457	211	26	risk	risk	NOUN
fsr-3457	211	27	literacy	literacy	NOUN
fsr-3457	211	28	scores	score	NOUN
fsr-3457	211	29	opt	opt	VERB
fsr-3457	211	30	-	-	PUNCT
fsr-3457	211	31	in	in	NOUN
fsr-3457	211	32	to	to	ADP
fsr-3457	211	33	obtaining	obtain	VERB
fsr-3457	211	34	cfp	cfp	NOUN
fsr-3457	211	35	certification	certification	NOUN
fsr-3457	211	36	.	.	PUNCT
fsr-3457	212	1	selecting	select	VERB
fsr-3457	212	2	the	the	DET
fsr-3457	212	3	correct	correct	ADJ
fsr-3457	212	4	portfolio	portfolio	NOUN
fsr-3457	212	5	was	be	AUX
fsr-3457	212	6	not	not	PART
fsr-3457	212	7	linked	link	VERB
fsr-3457	212	8	to	to	ADP
fsr-3457	212	9	risk	risk	NOUN
fsr-3457	212	10	literacy	literacy	NOUN
fsr-3457	212	11	,	,	PUNCT
fsr-3457	212	12	education	education	NOUN
fsr-3457	212	13	,	,	PUNCT
fsr-3457	212	14	or	or	CCONJ
fsr-3457	212	15	professional	professional	ADJ
fsr-3457	212	16	certification	certification	NOUN
fsr-3457	212	17	as	as	SCONJ
fsr-3457	212	18	demonstrated	demonstrate	VERB
fsr-3457	212	19	by	by	ADP
fsr-3457	212	20	the	the	DET
fsr-3457	212	21	logistic	logistic	ADJ
fsr-3457	212	22	regression	regression	NOUN
fsr-3457	212	23	.	.	PUNCT
fsr-3457	213	1	this	this	PRON
fsr-3457	213	2	may	may	AUX
fsr-3457	213	3	be	be	AUX
fsr-3457	213	4	due	due	ADJ
fsr-3457	213	5	to	to	ADP
fsr-3457	213	6	a	a	DET
fsr-3457	213	7	small	small	ADJ
fsr-3457	213	8	sample	sample	NOUN
fsr-3457	213	9	size	size	NOUN
fsr-3457	213	10	,	,	PUNCT
fsr-3457	213	11	the	the	DET
fsr-3457	213	12	convenience	convenience	NOUN
fsr-3457	213	13	nature	nature	NOUN
fsr-3457	213	14	of	of	ADP
fsr-3457	213	15	the	the	DET
fsr-3457	213	16	sample	sample	NOUN
fsr-3457	213	17	,	,	PUNCT
fsr-3457	213	18	or	or	CCONJ
fsr-3457	213	19	a	a	DET
fsr-3457	213	20	commonality	commonality	NOUN
fsr-3457	213	21	of	of	ADP
fsr-3457	213	22	industry	industry	NOUN
fsr-3457	213	23	training	training	NOUN
fsr-3457	213	24	(	(	PUNCT
fsr-3457	213	25	e.g.	e.g.	ADV
fsr-3457	213	26	,	,	PUNCT
fsr-3457	213	27	series	series	NOUN
fsr-3457	213	28	7	7	NUM
fsr-3457	213	29	,	,	PUNCT
fsr-3457	213	30	63	63	NUM
fsr-3457	213	31	and/or	and/or	CCONJ
fsr-3457	213	32	65	65	NUM
fsr-3457	213	33	exam	exam	NOUN
fsr-3457	213	34	)	)	PUNCT
fsr-3457	213	35	.	.	PUNCT
fsr-3457	214	1	unlike	unlike	ADP
fsr-3457	214	2	garcia	garcia	PROPN
fsr-3457	214	3	-	-	PUNCT
fsr-3457	214	4	retamero	retamero	PROPN
fsr-3457	214	5	et	et	PROPN
fsr-3457	214	6	al	al	PROPN
fsr-3457	214	7	.	.	PUNCT
fsr-3457	215	1	(	(	PUNCT
fsr-3457	215	2	2016	2016	NUM
fsr-3457	215	3	)	)	PUNCT
fsr-3457	215	4	,	,	PUNCT
fsr-3457	215	5	this	this	DET
fsr-3457	215	6	study	study	NOUN
fsr-3457	215	7	found	find	VERB
fsr-3457	215	8	that	that	SCONJ
fsr-3457	215	9	risk	risk	NOUN
fsr-3457	215	10	literacy	literacy	NOUN
fsr-3457	215	11	was	be	AUX
fsr-3457	215	12	not	not	PART
fsr-3457	215	13	linked	link	VERB
fsr-3457	215	14	to	to	ADP
fsr-3457	215	15	the	the	DET
fsr-3457	215	16	likelihood	likelihood	NOUN
fsr-3457	215	17	of	of	ADP
fsr-3457	215	18	choosing	choose	VERB
fsr-3457	215	19	the	the	DET
fsr-3457	215	20	appropriate	appropriate	ADJ
fsr-3457	215	21	portfolio	portfolio	NOUN
fsr-3457	215	22	strategy	strategy	NOUN
fsr-3457	215	23	,	,	PUNCT
fsr-3457	215	24	which	which	PRON
fsr-3457	215	25	could	could	AUX
fsr-3457	215	26	be	be	AUX
fsr-3457	215	27	an	an	DET
fsr-3457	215	28	artifact	artifact	NOUN
fsr-3457	215	29	of	of	ADP
fsr-3457	215	30	testing	test	VERB
fsr-3457	215	31	risk	risk	NOUN
fsr-3457	215	32	literacy	literacy	NOUN
fsr-3457	215	33	in	in	ADP
fsr-3457	215	34	financial	financial	ADJ
fsr-3457	215	35	planners	planner	NOUN
fsr-3457	215	36	.	.	PUNCT
fsr-3457	216	1	said	say	VERB
fsr-3457	216	2	another	another	DET
fsr-3457	216	3	way	way	NOUN
fsr-3457	216	4	,	,	PUNCT
fsr-3457	216	5	a	a	DET
fsr-3457	216	6	reason	reason	NOUN
fsr-3457	216	7	for	for	ADP
fsr-3457	216	8	investigating	investigate	VERB
fsr-3457	216	9	risk	risk	NOUN
fsr-3457	216	10	literacy	literacy	NOUN
fsr-3457	216	11	in	in	ADP
fsr-3457	216	12	financial	financial	ADJ
fsr-3457	216	13	planners	planner	NOUN
fsr-3457	216	14	was	be	AUX
fsr-3457	216	15	to	to	PART
fsr-3457	216	16	examine	examine	VERB
fsr-3457	216	17	how	how	SCONJ
fsr-3457	216	18	risk	risk	NOUN
fsr-3457	216	19	literacy	literacy	NOUN
fsr-3457	216	20	in	in	ADP
fsr-3457	216	21	financial	financial	ADJ
fsr-3457	216	22	planners	planner	NOUN
fsr-3457	216	23	may	may	AUX
fsr-3457	216	24	be	be	AUX
fsr-3457	216	25	different	different	ADJ
fsr-3457	216	26	from	from	ADP
fsr-3457	216	27	that	that	PRON
fsr-3457	216	28	of	of	ADP
fsr-3457	216	29	other	other	ADJ
fsr-3457	216	30	professionals	professional	NOUN
fsr-3457	216	31	(	(	PUNCT
fsr-3457	216	32	e.g.	e.g.	ADV
fsr-3457	216	33	,	,	PUNCT
fsr-3457	216	34	surgeons	surgeon	NOUN
fsr-3457	216	35	or	or	CCONJ
fsr-3457	216	36	high	high	ADJ
fsr-3457	216	37	-	-	PUNCT
fsr-3457	216	38	level	level	NOUN
fsr-3457	216	39	police	police	NOUN
fsr-3457	216	40	officers	officer	NOUN
fsr-3457	216	41	)	)	PUNCT
fsr-3457	216	42	.	.	PUNCT
fsr-3457	217	1	financial	financial	ADJ
fsr-3457	217	2	planners	planner	NOUN
fsr-3457	217	3	,	,	PUNCT
fsr-3457	217	4	by	by	ADP
fsr-3457	217	5	way	way	NOUN
fsr-3457	217	6	of	of	ADP
fsr-3457	217	7	their	their	PRON
fsr-3457	217	8	training	training	NOUN
fsr-3457	217	9	on	on	ADP
fsr-3457	217	10	portfolio	portfolio	NOUN
fsr-3457	217	11	selection	selection	NOUN
fsr-3457	217	12	,	,	PUNCT
fsr-3457	217	13	may	may	AUX
fsr-3457	217	14	still	still	ADV
fsr-3457	217	15	be	be	AUX
fsr-3457	217	16	able	able	ADJ
fsr-3457	217	17	to	to	PART
fsr-3457	217	18	select	select	VERB
fsr-3457	217	19	the	the	DET
fsr-3457	217	20	right	right	ADJ
fsr-3457	217	21	portfolio	portfolio	NOUN
fsr-3457	217	22	regardless	regardless	ADV
fsr-3457	217	23	of	of	ADP
fsr-3457	217	24	risk	risk	NOUN
fsr-3457	217	25	literacy	literacy	NOUN
fsr-3457	217	26	.	.	PUNCT
fsr-3457	218	1	another	another	DET
fsr-3457	218	2	possible	possible	ADJ
fsr-3457	218	3	reason	reason	NOUN
fsr-3457	218	4	for	for	ADP
fsr-3457	218	5	this	this	DET
fsr-3457	218	6	finding	finding	NOUN
fsr-3457	218	7	is	be	AUX
fsr-3457	218	8	that	that	DET
fsr-3457	218	9	risk	risk	NOUN
fsr-3457	218	10	literacy	literacy	NOUN
fsr-3457	218	11	and	and	CCONJ
fsr-3457	218	12	the	the	DET
fsr-3457	218	13	knowledge	knowledge	NOUN
fsr-3457	218	14	needed	need	VERB
fsr-3457	218	15	to	to	PART
fsr-3457	218	16	select	select	VERB
fsr-3457	218	17	the	the	DET
fsr-3457	218	18	correct	correct	ADJ
fsr-3457	218	19	portfolio	portfolio	NOUN
fsr-3457	218	20	are	be	AUX
fsr-3457	218	21	not	not	PART
fsr-3457	218	22	one	one	NUM
fsr-3457	218	23	in	in	ADP
fsr-3457	218	24	the	the	DET
fsr-3457	218	25	same	same	ADJ
fsr-3457	218	26	as	as	SCONJ
fsr-3457	218	27	originally	originally	ADV
fsr-3457	218	28	thought	think	VERB
fsr-3457	218	29	by	by	ADP
fsr-3457	218	30	the	the	DET
fsr-3457	218	31	researchers	researcher	NOUN
fsr-3457	218	32	.	.	PUNCT
fsr-3457	219	1	lastly	lastly	ADV
fsr-3457	219	2	,	,	PUNCT
fsr-3457	219	3	it	it	PRON
fsr-3457	219	4	is	be	AUX
fsr-3457	219	5	important	important	ADJ
fsr-3457	219	6	to	to	PART
fsr-3457	219	7	remember	remember	VERB
fsr-3457	219	8	that	that	SCONJ
fsr-3457	219	9	this	this	DET
fsr-3457	219	10	group	group	NOUN
fsr-3457	219	11	,	,	PUNCT
fsr-3457	219	12	as	as	ADP
fsr-3457	219	13	a	a	DET
fsr-3457	219	14	whole	whole	NOUN
fsr-3457	219	15	,	,	PUNCT
fsr-3457	219	16	was	be	AUX
fsr-3457	219	17	very	very	ADV
fsr-3457	219	18	risk	risk	NOUN
fsr-3457	219	19	literate	literate	ADJ
fsr-3457	219	20	.	.	PUNCT
fsr-3457	220	1	therefore	therefore	ADV
fsr-3457	220	2	,	,	PUNCT
fsr-3457	220	3	the	the	DET
fsr-3457	220	4	sample	sample	NOUN
fsr-3457	220	5	may	may	AUX
fsr-3457	220	6	not	not	PART
fsr-3457	220	7	have	have	VERB
fsr-3457	220	8	enough	enough	ADJ
fsr-3457	220	9	variation	variation	NOUN
fsr-3457	220	10	to	to	PART
fsr-3457	220	11	detect	detect	VERB
fsr-3457	220	12	the	the	DET
fsr-3457	220	13	importance	importance	NOUN
fsr-3457	220	14	of	of	ADP
fsr-3457	220	15	risk	risk	NOUN
fsr-3457	220	16	literacy	literacy	NOUN
fsr-3457	220	17	.	.	PUNCT
fsr-3457	221	1	although	although	SCONJ
fsr-3457	221	2	these	these	DET
fsr-3457	221	3	findings	finding	NOUN
fsr-3457	221	4	differ	differ	VERB
fsr-3457	221	5	from	from	ADP
fsr-3457	221	6	previous	previous	ADJ
fsr-3457	221	7	work	work	NOUN
fsr-3457	221	8	in	in	ADP
fsr-3457	221	9	this	this	DET
fsr-3457	221	10	area	area	NOUN
fsr-3457	221	11	,	,	PUNCT
fsr-3457	221	12	it	it	PRON
fsr-3457	221	13	can	can	AUX
fsr-3457	221	14	be	be	AUX
fsr-3457	221	15	argued	argue	VERB
fsr-3457	221	16	that	that	SCONJ
fsr-3457	221	17	the	the	DET
fsr-3457	221	18	findings	finding	NOUN
fsr-3457	221	19	in	in	ADP
fsr-3457	221	20	this	this	DET
fsr-3457	221	21	study	study	NOUN
fsr-3457	221	22	still	still	ADV
fsr-3457	221	23	support	support	VERB
fsr-3457	221	24	the	the	DET
fsr-3457	221	25	new	new	ADJ
fsr-3457	221	26	theoretical	theoretical	ADJ
fsr-3457	221	27	framework	framework	NOUN
fsr-3457	221	28	of	of	ADP
fsr-3457	221	29	skilled	skilled	ADJ
fsr-3457	221	30	decision	decision	NOUN
fsr-3457	221	31	theory	theory	NOUN
fsr-3457	221	32	(	(	PUNCT
fsr-3457	221	33	cokely	cokely	ADV
fsr-3457	221	34	et	et	PROPN
fsr-3457	221	35	al	al	PROPN
fsr-3457	221	36	.	.	PROPN
fsr-3457	221	37	,	,	PUNCT
fsr-3457	221	38	in	in	ADP
fsr-3457	221	39	press	press	NOUN
fsr-3457	221	40	)	)	PUNCT
fsr-3457	221	41	.	.	PUNCT
fsr-3457	222	1	financial	financial	ADJ
fsr-3457	222	2	planners	planner	NOUN
fsr-3457	222	3	may	may	AUX
fsr-3457	222	4	ultimately	ultimately	ADV
fsr-3457	222	5	choose	choose	VERB
fsr-3457	222	6	to	to	PART
fsr-3457	222	7	become	become	VERB
fsr-3457	222	8	financial	financial	ADJ
fsr-3457	222	9	planners	planner	NOUN
fsr-3457	222	10	not	not	PART
fsr-3457	222	11	only	only	ADV
fsr-3457	222	12	due	due	ADP
fsr-3457	222	13	to	to	ADP
fsr-3457	222	14	their	their	PRON
fsr-3457	222	15	natural	natural	ADJ
fsr-3457	222	16	ability	ability	NOUN
fsr-3457	222	17	to	to	PART
fsr-3457	222	18	understand	understand	VERB
fsr-3457	222	19	risk	risk	NOUN
fsr-3457	222	20	,	,	PUNCT
fsr-3457	222	21	but	but	CCONJ
fsr-3457	222	22	also	also	ADV
fsr-3457	222	23	due	due	ADP
fsr-3457	222	24	to	to	ADP
fsr-3457	222	25	their	their	PRON
fsr-3457	222	26	education	education	NOUN
fsr-3457	222	27	and	and	CCONJ
fsr-3457	222	28	training	training	NOUN
fsr-3457	222	29	.	.	PUNCT
fsr-3457	223	1	either	either	DET
fsr-3457	223	2	way	way	NOUN
fsr-3457	223	3	,	,	PUNCT
fsr-3457	223	4	financial	financial	ADJ
fsr-3457	223	5	planners	planner	NOUN
fsr-3457	223	6	’	'	PUNCT
fsr-3457	223	7	higher	high	ADJ
fsr-3457	223	8	levels	level	NOUN
fsr-3457	223	9	of	of	ADP
fsr-3457	223	10	risk	risk	NOUN
fsr-3457	223	11	literacy	literacy	NOUN
fsr-3457	223	12	can	can	AUX
fsr-3457	223	13	not	not	PART
fsr-3457	223	14	be	be	AUX
fsr-3457	223	15	ignored	ignore	VERB
fsr-3457	223	16	table	table	NOUN
fsr-3457	223	17	4	4	NUM
fsr-3457	223	18	v2	v2	NOUN
fsr-3457	223	19	test	test	NOUN
fsr-3457	223	20	of	of	ADP
fsr-3457	223	21	participants	participant	NOUN
fsr-3457	223	22	’	'	PUNCT
fsr-3457	223	23	risk	risk	NOUN
fsr-3457	223	24	portfolio	portfolio	NOUN
fsr-3457	223	25	on	on	ADP
fsr-3457	223	26	condition	condition	NOUN
fsr-3457	223	27	v2	v2	NOUN
fsr-3457	223	28	degree	degree	NOUN
fsr-3457	223	29	of	of	ADP
fsr-3457	223	30	freedom	freedom	NOUN
fsr-3457	223	31	p	p	NOUN
fsr-3457	223	32	-	-	PUNCT
fsr-3457	223	33	value	value	NOUN
fsr-3457	223	34	effect	effect	NOUN
fsr-3457	223	35	size	size	NOUN
fsr-3457	223	36	5.84	5.84	NUM
fsr-3457	223	37	1	1	NUM
fsr-3457	223	38	0.016	0.016	NUM
fsr-3457	223	39	*	*	PUNCT
fsr-3457	223	40	*	*	NOUN
fsr-3457	223	41	0.19	0.19	NUM
fsr-3457	223	42	significance	significance	NOUN
fsr-3457	223	43	levels	level	NOUN
fsr-3457	223	44	*	*	PUNCT
fsr-3457	223	45	p	p	X
fsr-3457	223	46	<	<	X
fsr-3457	223	47	.10	.10	NUM
fsr-3457	223	48	,	,	PUNCT
fsr-3457	223	49	*	*	PUNCT
fsr-3457	223	50	*	*	PUNCT
fsr-3457	223	51	p	p	X
fsr-3457	223	52	<	<	X
fsr-3457	223	53	.05	.05	NUM
fsr-3457	223	54	,	,	PUNCT
fsr-3457	223	55	*	*	PUNCT
fsr-3457	223	56	*	*	PUNCT
fsr-3457	223	57	*	*	PUNCT
fsr-3457	223	58	p	p	X
fsr-3457	223	59	<	<	X
fsr-3457	223	60	.01	.01	NUM
fsr-3457	223	61	.	.	PUNCT
fsr-3457	223	62	table	table	NOUN
fsr-3457	223	63	5	5	NUM
fsr-3457	223	64	results	result	NOUN
fsr-3457	223	65	for	for	ADP
fsr-3457	223	66	bootstrap	bootstrap	NOUN
fsr-3457	223	67	logistic	logistic	ADJ
fsr-3457	223	68	regression	regression	NOUN
fsr-3457	223	69	on	on	ADP
fsr-3457	223	70	portfolio	portfolio	NOUN
fsr-3457	223	71	selection	selection	NOUN
fsr-3457	223	72	(	(	PUNCT
fsr-3457	223	73	n	n	NOUN
fsr-3457	223	74	=	=	SYM
fsr-3457	223	75	69	69	NUM
fsr-3457	223	76	)	)	PUNCT
fsr-3457	223	77	variable	variable	ADJ
fsr-3457	223	78	coefficient	coefficient	NOUN
fsr-3457	223	79	se	se	PROPN
fsr-3457	223	80	p	p	PROPN
fsr-3457	223	81	or	or	CCONJ
fsr-3457	223	82	lower	low	ADJ
fsr-3457	223	83	ci	ci	PROPN
fsr-3457	223	84	upper	upper	ADJ
fsr-3457	223	85	ci	ci	NOUN
fsr-3457	223	86	intercept	intercept	NOUN
fsr-3457	223	87	1.01	1.01	NUM
fsr-3457	223	88	0.54	0.54	NUM
fsr-3457	223	89	0.62	0.62	NUM
fsr-3457	223	90	—	—	PUNCT
fsr-3457	223	91	—	—	PUNCT
fsr-3457	223	92	—	—	PUNCT
fsr-3457	223	93	certified	certify	VERB
fsr-3457	223	94	financial	financial	ADJ
fsr-3457	223	95	planner	planner	NOUN
fsr-3457	223	96	(	(	PUNCT
fsr-3457	223	97	cfp	cfp	PROPN
fsr-3457	223	98	)	)	PUNCT
fsr-3457	223	99	�	�	PROPN
fsr-3457	223	100	0.38	0.38	NUM
fsr-3457	223	101	0.42	0.42	NUM
fsr-3457	223	102	0.25	0.25	NUM
fsr-3457	223	103	0.61	0.61	NUM
fsr-3457	223	104	0.26	0.26	NUM
fsr-3457	223	105	1.42	1.42	NUM
fsr-3457	223	106	risk	risk	NOUN
fsr-3457	223	107	literacy	literacy	NOUN
fsr-3457	223	108	0.02	0.02	NUM
fsr-3457	223	109	0.20	0.20	NUM
fsr-3457	223	110	0.29	0.29	NUM
fsr-3457	223	111	1.17	1.17	NUM
fsr-3457	223	112	0.87	0.87	NUM
fsr-3457	223	113	1.58	1.58	NUM
fsr-3457	223	114	visual	visual	ADJ
fsr-3457	223	115	aid	aid	NOUN
fsr-3457	223	116	0.94	0.94	NUM
fsr-3457	223	117	0.39	0.39	NUM
fsr-3457	223	118	0.029	0.029	NUM
fsr-3457	223	119	*	*	PUNCT
fsr-3457	223	120	*	*	PUNCT
fsr-3457	223	121	2.45	2.45	NUM
fsr-3457	223	122	1.28	1.28	NUM
fsr-3457	223	123	5.04	5.04	NUM
fsr-3457	223	124	source	source	NOUN
fsr-3457	223	125	:	:	PUNCT
fsr-3457	223	126	four	four	NUM
fsr-3457	223	127	resampling	resample	VERB
fsr-3457	223	128	intervals	interval	NOUN
fsr-3457	223	129	.	.	PUNCT
fsr-3457	224	1	cfp	cfp	PROPN
fsr-3457	224	2	=	=	SYM
fsr-3457	224	3	certified	certify	VERB
fsr-3457	224	4	financial	financial	ADJ
fsr-3457	224	5	planner	planner	NOUN
fsr-3457	224	6	;	;	PUNCT
fsr-3457	224	7	or	or	CCONJ
fsr-3457	224	8	=	=	NOUN
fsr-3457	224	9	odds	odd	NOUN
fsr-3457	224	10	ratio	ratio	NOUN
fsr-3457	224	11	;	;	PUNCT
fsr-3457	224	12	ci	ci	NOUN
fsr-3457	224	13	=	=	NOUN
fsr-3457	224	14	confidence	confidence	NOUN
fsr-3457	224	15	interval	interval	NOUN
fsr-3457	224	16	.	.	PUNCT
fsr-3457	225	1	significance	significance	NOUN
fsr-3457	225	2	levels	level	NOUN
fsr-3457	225	3	*	*	PUNCT
fsr-3457	225	4	p	p	X
fsr-3457	225	5	<	<	X
fsr-3457	225	6	.10	.10	NUM
fsr-3457	225	7	,	,	PUNCT
fsr-3457	225	8	*	*	PUNCT
fsr-3457	225	9	*	*	PUNCT
fsr-3457	225	10	p	p	X
fsr-3457	225	11	<	<	X
fsr-3457	225	12	.05	.05	NUM
fsr-3457	225	13	,	,	PUNCT
fsr-3457	225	14	*	*	PUNCT
fsr-3457	225	15	*	*	PUNCT
fsr-3457	225	16	*	*	PUNCT
fsr-3457	225	17	p	p	X
fsr-3457	225	18	<	<	X
fsr-3457	225	19	.01	.01	NUM
fsr-3457	225	20	.	.	NOUN
fsr-3457	225	21	220	220	NUM
fsr-3457	225	22	m.	m.	NOUN
fsr-3457	225	23	r.	r.	PROPN
fsr-3457	225	24	lurtz	lurtz	PROPN
fsr-3457	225	25	et	et	PROPN
fsr-3457	225	26	al	al	PROPN
fsr-3457	225	27	.	.	PUNCT
fsr-3457	225	28	/	/	SYM
fsr-3457	225	29	financial	financial	ADJ
fsr-3457	225	30	services	service	NOUN
fsr-3457	225	31	review	review	VERB
fsr-3457	225	32	29	29	NUM
fsr-3457	225	33	(	(	PUNCT
fsr-3457	225	34	2021	2021	NUM
fsr-3457	225	35	)	)	PUNCT
fsr-3457	225	36	209–225	209–225	NUM
fsr-3457	225	37	and	and	CCONJ
fsr-3457	225	38	the	the	DET
fsr-3457	225	39	use	use	NOUN
fsr-3457	225	40	of	of	ADP
fsr-3457	225	41	visual	visual	ADJ
fsr-3457	225	42	aids	aid	NOUN
fsr-3457	225	43	,	,	PUNCT
fsr-3457	225	44	which	which	PRON
fsr-3457	225	45	was	be	AUX
fsr-3457	225	46	the	the	DET
fsr-3457	225	47	only	only	ADJ
fsr-3457	225	48	significant	significant	ADJ
fsr-3457	225	49	predictor	predictor	NOUN
fsr-3457	225	50	of	of	ADP
fsr-3457	225	51	the	the	DET
fsr-3457	225	52	correct	correct	ADJ
fsr-3457	225	53	portfolio	portfolio	NOUN
fsr-3457	225	54	selection	selection	NOUN
fsr-3457	225	55	,	,	PUNCT
fsr-3457	225	56	does	do	AUX
fsr-3457	225	57	demonstrate	demonstrate	VERB
fsr-3457	225	58	the	the	DET
fsr-3457	225	59	importance	importance	NOUN
fsr-3457	225	60	of	of	ADP
fsr-3457	225	61	visual	visual	ADJ
fsr-3457	225	62	aids	aid	NOUN
fsr-3457	225	63	for	for	ADP
fsr-3457	225	64	risk	risk	NOUN
fsr-3457	225	65	decisions	decision	NOUN
fsr-3457	225	66	—	—	PUNCT
fsr-3457	225	67	perhaps	perhaps	ADV
fsr-3457	225	68	even	even	ADV
fsr-3457	225	69	in	in	ADP
fsr-3457	225	70	high	high	ADJ
fsr-3457	225	71	risk	risk	NOUN
fsr-3457	225	72	literacy	literacy	NOUN
fsr-3457	225	73	populations	population	NOUN
fsr-3457	225	74	.	.	PUNCT
fsr-3457	226	1	7.1	7.1	NUM
fsr-3457	226	2	.	.	PUNCT
fsr-3457	227	1	implications	implication	NOUN
fsr-3457	227	2	this	this	DET
fsr-3457	227	3	study	study	NOUN
fsr-3457	227	4	demonstrates	demonstrate	VERB
fsr-3457	227	5	visual	visual	ADJ
fsr-3457	227	6	icons	icon	NOUN
fsr-3457	227	7	help	help	VERB
fsr-3457	227	8	individuals	individual	NOUN
fsr-3457	227	9	at	at	ADP
fsr-3457	227	10	all	all	DET
fsr-3457	227	11	levels	level	NOUN
fsr-3457	227	12	of	of	ADP
fsr-3457	227	13	risk	risk	NOUN
fsr-3457	227	14	literacy	literacy	NOUN
fsr-3457	227	15	to	to	PART
fsr-3457	227	16	improve	improve	VERB
fsr-3457	227	17	their	their	PRON
fsr-3457	227	18	decision	decision	NOUN
fsr-3457	227	19	-	-	PUNCT
fsr-3457	227	20	making	making	NOUN
fsr-3457	227	21	.	.	PUNCT
fsr-3457	228	1	financial	financial	ADJ
fsr-3457	228	2	planners	planner	NOUN
fsr-3457	228	3	,	,	PUNCT
fsr-3457	228	4	even	even	ADV
fsr-3457	228	5	cfp	cfp	PROPN
fsr-3457	228	6	certificants	certificant	NOUN
fsr-3457	228	7	,	,	PUNCT
fsr-3457	228	8	may	may	AUX
fsr-3457	228	9	want	want	VERB
fsr-3457	228	10	to	to	PART
fsr-3457	228	11	test	test	VERB
fsr-3457	228	12	themselves	themselves	PRON
fsr-3457	228	13	and	and	CCONJ
fsr-3457	228	14	then	then	ADV
fsr-3457	228	15	take	take	VERB
fsr-3457	228	16	pro	pro	ADJ
fsr-3457	228	17	-	-	ADJ
fsr-3457	228	18	active	active	ADJ
fsr-3457	228	19	steps	step	NOUN
fsr-3457	228	20	to	to	PART
fsr-3457	228	21	become	become	VERB
fsr-3457	228	22	better	well	ADJ
fsr-3457	228	23	at	at	ADP
fsr-3457	228	24	interpreting	interpret	VERB
fsr-3457	228	25	and	and	CCONJ
fsr-3457	228	26	explaining	explain	VERB
fsr-3457	228	27	risk	risk	NOUN
fsr-3457	228	28	information	information	NOUN
fsr-3457	228	29	.	.	PUNCT
fsr-3457	229	1	financial	financial	ADJ
fsr-3457	229	2	planning	planning	NOUN
fsr-3457	229	3	programs	program	NOUN
fsr-3457	229	4	registered	register	VERB
fsr-3457	229	5	with	with	ADP
fsr-3457	229	6	the	the	DET
fsr-3457	229	7	cfp	cfp	PROPN
fsr-3457	229	8	board	board	NOUN
fsr-3457	229	9	may	may	AUX
fsr-3457	229	10	wish	wish	VERB
fsr-3457	229	11	to	to	PART
fsr-3457	229	12	start	start	VERB
fsr-3457	229	13	adding	add	VERB
fsr-3457	229	14	a	a	DET
fsr-3457	229	15	component	component	NOUN
fsr-3457	229	16	of	of	ADP
fsr-3457	229	17	visual	visual	ADJ
fsr-3457	229	18	aid	aid	NOUN
fsr-3457	229	19	literacy	literacy	NOUN
fsr-3457	229	20	to	to	ADP
fsr-3457	229	21	their	their	PRON
fsr-3457	229	22	curriculums	curriculum	NOUN
fsr-3457	229	23	.	.	PUNCT
fsr-3457	230	1	larger	large	ADJ
fsr-3457	230	2	regulatory	regulatory	ADJ
fsr-3457	230	3	financial	financial	ADJ
fsr-3457	230	4	institutions	institution	NOUN
fsr-3457	230	5	,	,	PUNCT
fsr-3457	230	6	like	like	ADP
fsr-3457	230	7	the	the	DET
fsr-3457	230	8	security	security	NOUN
fsr-3457	230	9	and	and	CCONJ
fsr-3457	230	10	exchange	exchange	PROPN
fsr-3457	230	11	commission	commission	PROPN
fsr-3457	230	12	(	(	PUNCT
fsr-3457	230	13	sec	sec	PROPN
fsr-3457	230	14	)	)	PUNCT
fsr-3457	230	15	as	as	ADV
fsr-3457	230	16	well	well	ADV
fsr-3457	230	17	as	as	ADP
fsr-3457	230	18	financial	financial	ADJ
fsr-3457	230	19	industry	industry	NOUN
fsr-3457	230	20	regulatory	regulatory	ADJ
fsr-3457	230	21	authority	authority	NOUN
fsr-3457	230	22	(	(	PUNCT
fsr-3457	230	23	finra	finra	PROPN
fsr-3457	230	24	)	)	PUNCT
fsr-3457	230	25	,	,	PUNCT
fsr-3457	230	26	may	may	AUX
fsr-3457	230	27	want	want	VERB
fsr-3457	230	28	to	to	PART
fsr-3457	230	29	request	request	VERB
fsr-3457	230	30	that	that	SCONJ
fsr-3457	230	31	financial	financial	ADJ
fsr-3457	230	32	planners	planner	NOUN
fsr-3457	230	33	,	,	PUNCT
fsr-3457	230	34	in	in	ADP
fsr-3457	230	35	addition	addition	NOUN
fsr-3457	230	36	to	to	ADP
fsr-3457	230	37	measuring	measure	VERB
fsr-3457	230	38	client	client	NOUN
fsr-3457	230	39	’s	’s	PART
fsr-3457	230	40	risk	risk	NOUN
fsr-3457	230	41	tolerance	tolerance	NOUN
fsr-3457	230	42	,	,	PUNCT
fsr-3457	230	43	also	also	ADV
fsr-3457	230	44	display	display	VERB
fsr-3457	230	45	risk	risk	NOUN
fsr-3457	230	46	-	-	PUNCT
fsr-3457	230	47	reward	reward	NOUN
fsr-3457	230	48	tradeoffs	tradeoff	NOUN
fsr-3457	230	49	in	in	ADP
fsr-3457	230	50	a	a	DET
fsr-3457	230	51	visual	visual	ADJ
fsr-3457	230	52	format	format	NOUN
fsr-3457	230	53	.	.	PUNCT
fsr-3457	231	1	financial	financial	ADJ
fsr-3457	231	2	planners	planner	NOUN
fsr-3457	231	3	,	,	PUNCT
fsr-3457	231	4	especially	especially	ADV
fsr-3457	231	5	those	those	PRON
fsr-3457	231	6	acting	act	VERB
fsr-3457	231	7	as	as	ADP
fsr-3457	231	8	fiduciaries	fiduciary	NOUN
fsr-3457	231	9	,	,	PUNCT
fsr-3457	231	10	can	can	AUX
fsr-3457	231	11	consider	consider	VERB
fsr-3457	231	12	using	use	VERB
fsr-3457	231	13	visual	visual	ADJ
fsr-3457	231	14	techniques	technique	NOUN
fsr-3457	231	15	in	in	ADP
fsr-3457	231	16	their	their	PRON
fsr-3457	231	17	workflow	workflow	NOUN
fsr-3457	231	18	process	process	NOUN
fsr-3457	231	19	.	.	PUNCT
fsr-3457	232	1	this	this	DET
fsr-3457	232	2	information	information	NOUN
fsr-3457	232	3	will	will	AUX
fsr-3457	232	4	not	not	PART
fsr-3457	232	5	only	only	ADV
fsr-3457	232	6	help	help	VERB
fsr-3457	232	7	the	the	DET
fsr-3457	232	8	financial	financial	ADJ
fsr-3457	232	9	planner	planner	NOUN
fsr-3457	232	10	to	to	PART
fsr-3457	232	11	assess	assess	VERB
fsr-3457	232	12	what	what	PRON
fsr-3457	232	13	they	they	PRON
fsr-3457	232	14	should	should	AUX
fsr-3457	232	15	be	be	AUX
fsr-3457	232	16	discussing	discuss	VERB
fsr-3457	232	17	when	when	SCONJ
fsr-3457	232	18	they	they	PRON
fsr-3457	232	19	discuss	discuss	VERB
fsr-3457	232	20	risks	risk	NOUN
fsr-3457	232	21	with	with	ADP
fsr-3457	232	22	clients	client	NOUN
fsr-3457	232	23	,	,	PUNCT
fsr-3457	232	24	but	but	CCONJ
fsr-3457	232	25	also	also	ADV
fsr-3457	232	26	how	how	SCONJ
fsr-3457	232	27	they	they	PRON
fsr-3457	232	28	explain	explain	VERB
fsr-3457	232	29	recommendations	recommendation	NOUN
fsr-3457	232	30	and	and	CCONJ
fsr-3457	232	31	actions	action	NOUN
fsr-3457	232	32	taken	take	VERB
fsr-3457	232	33	as	as	SCONJ
fsr-3457	232	34	it	it	PRON
fsr-3457	232	35	relates	relate	VERB
fsr-3457	232	36	to	to	PART
fsr-3457	232	37	risk	risk	VERB
fsr-3457	232	38	.	.	PUNCT
fsr-3457	233	1	investing	invest	VERB
fsr-3457	233	2	in	in	ADP
fsr-3457	233	3	financial	financial	ADJ
fsr-3457	233	4	software	software	NOUN
fsr-3457	233	5	that	that	PRON
fsr-3457	233	6	utilizes	utilize	VERB
fsr-3457	233	7	visual	visual	ADJ
fsr-3457	233	8	best	good	ADJ
fsr-3457	233	9	practices	practice	NOUN
fsr-3457	233	10	may	may	AUX
fsr-3457	233	11	also	also	ADV
fsr-3457	233	12	be	be	AUX
fsr-3457	233	13	advantageous	advantageous	ADJ
fsr-3457	233	14	.	.	PUNCT
fsr-3457	234	1	displaying	display	VERB
fsr-3457	234	2	information	information	NOUN
fsr-3457	234	3	graphically	graphically	ADV
fsr-3457	234	4	during	during	ADP
fsr-3457	234	5	reviews	review	NOUN
fsr-3457	234	6	and	and	CCONJ
fsr-3457	234	7	illustrating	illustrate	VERB
fsr-3457	234	8	portfolio	portfolio	NOUN
fsr-3457	234	9	stress	stress	NOUN
fsr-3457	234	10	tests	test	NOUN
fsr-3457	234	11	via	via	ADP
fsr-3457	234	12	charts	chart	NOUN
fsr-3457	234	13	may	may	AUX
fsr-3457	234	14	be	be	AUX
fsr-3457	234	15	useful	useful	ADJ
fsr-3457	234	16	in	in	ADP
fsr-3457	234	17	helping	help	VERB
fsr-3457	234	18	clients	client	NOUN
fsr-3457	234	19	comprehend	comprehend	VERB
fsr-3457	234	20	what	what	PRON
fsr-3457	234	21	advisors	advisor	NOUN
fsr-3457	234	22	are	be	AUX
fsr-3457	234	23	attempting	attempt	VERB
fsr-3457	234	24	to	to	PART
fsr-3457	234	25	communicate	communicate	VERB
fsr-3457	234	26	.	.	PUNCT
fsr-3457	235	1	7.2	7.2	NUM
fsr-3457	235	2	.	.	PUNCT
fsr-3457	235	3	limitations	limitation	NOUN
fsr-3457	235	4	there	there	PRON
fsr-3457	235	5	are	be	VERB
fsr-3457	235	6	limitations	limitation	NOUN
fsr-3457	235	7	inherent	inherent	ADJ
fsr-3457	235	8	in	in	ADP
fsr-3457	235	9	this	this	DET
fsr-3457	235	10	study	study	NOUN
fsr-3457	235	11	.	.	PUNCT
fsr-3457	236	1	first	first	ADV
fsr-3457	236	2	,	,	PUNCT
fsr-3457	236	3	the	the	DET
fsr-3457	236	4	sample	sample	NOUN
fsr-3457	236	5	is	be	AUX
fsr-3457	236	6	small	small	ADJ
fsr-3457	236	7	and	and	CCONJ
fsr-3457	236	8	has	have	VERB
fsr-3457	236	9	less	less	ADJ
fsr-3457	236	10	power	power	NOUN
fsr-3457	236	11	than	than	SCONJ
fsr-3457	236	12	it	it	PRON
fsr-3457	236	13	would	would	AUX
fsr-3457	236	14	have	have	VERB
fsr-3457	236	15	if	if	SCONJ
fsr-3457	236	16	the	the	DET
fsr-3457	236	17	sample	sample	NOUN
fsr-3457	236	18	were	be	AUX
fsr-3457	236	19	larger	large	ADJ
fsr-3457	236	20	.	.	PUNCT
fsr-3457	237	1	this	this	PRON
fsr-3457	237	2	has	have	VERB
fsr-3457	237	3	implications	implication	NOUN
fsr-3457	237	4	for	for	ADP
fsr-3457	237	5	the	the	DET
fsr-3457	237	6	results	result	NOUN
fsr-3457	237	7	and	and	CCONJ
fsr-3457	237	8	a	a	DET
fsr-3457	237	9	table	table	NOUN
fsr-3457	237	10	6	6	NUM
fsr-3457	237	11	results	result	NOUN
fsr-3457	237	12	for	for	ADP
fsr-3457	237	13	bootstrap	bootstrap	NOUN
fsr-3457	237	14	logistic	logistic	ADJ
fsr-3457	237	15	regression	regression	NOUN
fsr-3457	237	16	of	of	ADP
fsr-3457	237	17	certified	certified	ADJ
fsr-3457	237	18	financial	financial	ADJ
fsr-3457	237	19	planner	planner	NOUN
fsr-3457	237	20	(	(	PUNCT
fsr-3457	237	21	cfp	cfp	NOUN
fsr-3457	237	22	)	)	PUNCT
fsr-3457	237	23	status	status	NOUN
fsr-3457	237	24	on	on	ADP
fsr-3457	237	25	portfolio	portfolio	NOUN
fsr-3457	237	26	selection	selection	NOUN
fsr-3457	237	27	(	(	PUNCT
fsr-3457	237	28	n	n	NOUN
fsr-3457	237	29	=	=	SYM
fsr-3457	237	30	69	69	NUM
fsr-3457	237	31	)	)	PUNCT
fsr-3457	237	32	variable	variable	ADJ
fsr-3457	237	33	coefficient	coefficient	NOUN
fsr-3457	237	34	se	se	PROPN
fsr-3457	237	35	p	p	PROPN
fsr-3457	237	36	or	or	CCONJ
fsr-3457	237	37	lower	low	ADJ
fsr-3457	237	38	ci	ci	PROPN
fsr-3457	237	39	upper	upper	ADJ
fsr-3457	237	40	ci	ci	NOUN
fsr-3457	237	41	intercept	intercept	NOUN
fsr-3457	237	42	1.09	1.09	NUM
fsr-3457	237	43	0.25	0.25	NUM
fsr-3457	237	44	<	<	NOUN
fsr-3457	237	45	0.01	0.01	NUM
fsr-3457	237	46	*	*	PUNCT
fsr-3457	237	47	*	*	PUNCT
fsr-3457	237	48	*	*	PUNCT
fsr-3457	237	49	—	—	PUNCT
fsr-3457	237	50	—	—	PUNCT
fsr-3457	237	51	—	—	PUNCT
fsr-3457	237	52	cfp	cfp	NOUN
fsr-3457	237	53	0.46	0.46	NUM
fsr-3457	237	54	0.41	0.41	NUM
fsr-3457	237	55	0.26	0.26	NUM
fsr-3457	237	56	1.58	1.58	NUM
fsr-3457	237	57	�	�	PROPN
fsr-3457	237	58	0.34	0.34	NUM
fsr-3457	237	59	1.25	1.25	NUM
fsr-3457	237	60	source	source	NOUN
fsr-3457	237	61	:	:	PUNCT
fsr-3457	237	62	four	four	NUM
fsr-3457	237	63	resampling	resample	VERB
fsr-3457	237	64	intervals	interval	NOUN
fsr-3457	237	65	.	.	PUNCT
fsr-3457	238	1	cfp	cfp	PROPN
fsr-3457	238	2	=	=	SYM
fsr-3457	238	3	certified	certify	VERB
fsr-3457	238	4	financial	financial	ADJ
fsr-3457	238	5	planner	planner	NOUN
fsr-3457	238	6	;	;	PUNCT
fsr-3457	238	7	or	or	CCONJ
fsr-3457	238	8	=	=	NOUN
fsr-3457	238	9	odds	odd	NOUN
fsr-3457	238	10	ratio	ratio	NOUN
fsr-3457	238	11	;	;	PUNCT
fsr-3457	238	12	ci	ci	NOUN
fsr-3457	238	13	=	=	NOUN
fsr-3457	238	14	confidence	confidence	NOUN
fsr-3457	238	15	interval	interval	NOUN
fsr-3457	238	16	.	.	PUNCT
fsr-3457	239	1	significance	significance	NOUN
fsr-3457	239	2	levels	level	NOUN
fsr-3457	239	3	*	*	PUNCT
fsr-3457	239	4	p	p	X
fsr-3457	239	5	<	<	X
fsr-3457	239	6	.10	.10	NUM
fsr-3457	239	7	,	,	PUNCT
fsr-3457	239	8	*	*	PUNCT
fsr-3457	239	9	*	*	PUNCT
fsr-3457	239	10	p	p	X
fsr-3457	239	11	<	<	X
fsr-3457	239	12	.05	.05	NUM
fsr-3457	239	13	,	,	PUNCT
fsr-3457	239	14	*	*	PUNCT
fsr-3457	239	15	*	*	PUNCT
fsr-3457	239	16	*	*	PUNCT
fsr-3457	239	17	p	p	X
fsr-3457	239	18	<	<	X
fsr-3457	239	19	.01	.01	NUM
fsr-3457	239	20	.	.	PUNCT
fsr-3457	239	21	table	table	NOUN
fsr-3457	239	22	7	7	NUM
fsr-3457	239	23	results	result	NOUN
fsr-3457	239	24	for	for	ADP
fsr-3457	239	25	bootstrap	bootstrap	NOUN
fsr-3457	239	26	logistic	logistic	ADJ
fsr-3457	239	27	regression	regression	NOUN
fsr-3457	239	28	of	of	ADP
fsr-3457	239	29	risk	risk	NOUN
fsr-3457	239	30	literacy	literacy	NOUN
fsr-3457	239	31	on	on	ADP
fsr-3457	239	32	portfolio	portfolio	NOUN
fsr-3457	239	33	selection	selection	NOUN
fsr-3457	239	34	(	(	PUNCT
fsr-3457	239	35	n	n	NOUN
fsr-3457	239	36	=	=	SYM
fsr-3457	239	37	69	69	NUM
fsr-3457	239	38	)	)	PUNCT
fsr-3457	239	39	variable	variable	ADJ
fsr-3457	239	40	coefficient	coefficient	NOUN
fsr-3457	239	41	se	se	PROPN
fsr-3457	239	42	p	p	PROPN
fsr-3457	239	43	or	or	CCONJ
fsr-3457	239	44	lower	low	ADJ
fsr-3457	239	45	ci	ci	PROPN
fsr-3457	239	46	upper	upper	ADJ
fsr-3457	239	47	ci	ci	NOUN
fsr-3457	239	48	intercept	intercept	NOUN
fsr-3457	239	49	0.65	0.65	NUM
fsr-3457	239	50	0.7	0.7	NUM
fsr-3457	239	51	0.36	0.36	NUM
fsr-3457	239	52	—	—	PUNCT
fsr-3457	239	53	—	—	PUNCT
fsr-3457	239	54	—	—	PUNCT
fsr-3457	239	55	risk	risk	NOUN
fsr-3457	239	56	literacy	literacy	NOUN
fsr-3457	239	57	0.13	0.13	NUM
fsr-3457	239	58	0.14	0.14	NUM
fsr-3457	239	59	0.35	0.35	NUM
fsr-3457	239	60	1.14	1.14	NUM
fsr-3457	239	61	�	�	PROPN
fsr-3457	239	62	0.15	0.15	NUM
fsr-3457	239	63	0.41	0.41	NUM
fsr-3457	239	64	source	source	NOUN
fsr-3457	239	65	:	:	PUNCT
fsr-3457	239	66	four	four	NUM
fsr-3457	239	67	resampling	resample	VERB
fsr-3457	239	68	intervals	interval	NOUN
fsr-3457	239	69	.	.	PUNCT
fsr-3457	240	1	cfp	cfp	PROPN
fsr-3457	240	2	=	=	SYM
fsr-3457	240	3	certified	certify	VERB
fsr-3457	240	4	financial	financial	ADJ
fsr-3457	240	5	planner	planner	NOUN
fsr-3457	240	6	;	;	PUNCT
fsr-3457	240	7	or	or	CCONJ
fsr-3457	240	8	=	=	NOUN
fsr-3457	240	9	odds	odd	NOUN
fsr-3457	240	10	ratio	ratio	NOUN
fsr-3457	240	11	;	;	PUNCT
fsr-3457	240	12	ci	ci	NOUN
fsr-3457	240	13	=	=	NOUN
fsr-3457	240	14	confidence	confidence	NOUN
fsr-3457	240	15	interval	interval	NOUN
fsr-3457	240	16	.	.	PUNCT
fsr-3457	241	1	significance	significance	NOUN
fsr-3457	241	2	levels	level	NOUN
fsr-3457	241	3	*	*	PUNCT
fsr-3457	241	4	p	p	X
fsr-3457	241	5	<	<	X
fsr-3457	241	6	.10	.10	NUM
fsr-3457	241	7	,	,	PUNCT
fsr-3457	241	8	*	*	PUNCT
fsr-3457	241	9	*	*	PUNCT
fsr-3457	241	10	p	p	X
fsr-3457	241	11	<	<	X
fsr-3457	241	12	.05	.05	NUM
fsr-3457	241	13	,	,	PUNCT
fsr-3457	241	14	*	*	PUNCT
fsr-3457	241	15	*	*	PUNCT
fsr-3457	241	16	*	*	PUNCT
fsr-3457	241	17	p	p	X
fsr-3457	241	18	<	<	X
fsr-3457	241	19	.01	.01	NUM
fsr-3457	241	20	.	.	PUNCT
fsr-3457	241	21	m.	m.	PROPN
fsr-3457	241	22	r.	r.	PROPN
fsr-3457	241	23	lurtz	lurtz	PROPN
fsr-3457	241	24	et	et	PROPN
fsr-3457	241	25	al	al	PROPN
fsr-3457	241	26	.	.	PUNCT
fsr-3457	241	27	/	/	SYM
fsr-3457	241	28	financial	financial	ADJ
fsr-3457	241	29	services	service	NOUN
fsr-3457	241	30	review	review	VERB
fsr-3457	241	31	29	29	NUM
fsr-3457	241	32	(	(	PUNCT
fsr-3457	241	33	2021	2021	NUM
fsr-3457	241	34	)	)	PUNCT
fsr-3457	242	1	209–225	209–225	NUM
fsr-3457	242	2	221	221	NUM
fsr-3457	242	3	more	more	ADV
fsr-3457	242	4	robust	robust	ADJ
fsr-3457	242	5	sample	sample	NOUN
fsr-3457	242	6	may	may	AUX
fsr-3457	242	7	have	have	VERB
fsr-3457	242	8	different	different	ADJ
fsr-3457	242	9	conclusions	conclusion	NOUN
fsr-3457	242	10	.	.	PUNCT
fsr-3457	243	1	bootstrap	bootstrap	NOUN
fsr-3457	243	2	logistic	logistic	ADJ
fsr-3457	243	3	regression	regression	NOUN
fsr-3457	243	4	can	can	AUX
fsr-3457	243	5	increase	increase	VERB
fsr-3457	243	6	standard	standard	ADJ
fsr-3457	243	7	errors	error	NOUN
fsr-3457	243	8	,	,	PUNCT
fsr-3457	243	9	but	but	CCONJ
fsr-3457	243	10	this	this	PRON
fsr-3457	243	11	was	be	AUX
fsr-3457	243	12	limited	limit	VERB
fsr-3457	243	13	by	by	ADP
fsr-3457	243	14	limiting	limit	VERB
fsr-3457	243	15	the	the	DET
fsr-3457	243	16	number	number	NOUN
fsr-3457	243	17	of	of	ADP
fsr-3457	243	18	iterations	iteration	NOUN
fsr-3457	243	19	.	.	PUNCT
fsr-3457	244	1	however	however	ADV
fsr-3457	244	2	the	the	DET
fsr-3457	244	3	sample	sample	NOUN
fsr-3457	244	4	mirrors	mirror	VERB
fsr-3457	244	5	the	the	DET
fsr-3457	244	6	population	population	NOUN
fsr-3457	244	7	of	of	ADP
fsr-3457	244	8	financial	financial	ADJ
fsr-3457	244	9	planning	planning	NOUN
fsr-3457	244	10	advisors	advisor	NOUN
fsr-3457	244	11	in	in	ADP
fsr-3457	244	12	two	two	NUM
fsr-3457	244	13	key	key	ADJ
fsr-3457	244	14	ways	way	NOUN
fsr-3457	244	15	.	.	PUNCT
fsr-3457	245	1	participants	participant	NOUN
fsr-3457	245	2	in	in	ADP
fsr-3457	245	3	the	the	DET
fsr-3457	245	4	study	study	NOUN
fsr-3457	245	5	were	be	AUX
fsr-3457	245	6	mostly	mostly	ADV
fsr-3457	245	7	male	male	ADJ
fsr-3457	245	8	(	(	PUNCT
fsr-3457	245	9	94.12	94.12	NUM
fsr-3457	245	10	%	%	NOUN
fsr-3457	245	11	)	)	PUNCT
fsr-3457	245	12	with	with	ADP
fsr-3457	245	13	high	high	ADJ
fsr-3457	245	14	incomes	income	NOUN
fsr-3457	245	15	,	,	PUNCT
fsr-3457	245	16	which	which	PRON
fsr-3457	245	17	are	be	AUX
fsr-3457	245	18	consistent	consistent	ADJ
fsr-3457	245	19	traits	trait	NOUN
fsr-3457	245	20	of	of	ADP
fsr-3457	245	21	financial	financial	ADJ
fsr-3457	245	22	planners	planner	NOUN
fsr-3457	245	23	based	base	VERB
fsr-3457	245	24	on	on	ADP
fsr-3457	245	25	recent	recent	ADJ
fsr-3457	245	26	industry	industry	NOUN
fsr-3457	245	27	research	research	NOUN
fsr-3457	245	28	(	(	PUNCT
fsr-3457	245	29	tharp	tharp	PROPN
fsr-3457	245	30	,	,	PUNCT
fsr-3457	245	31	lurtz	lurtz	PROPN
fsr-3457	245	32	,	,	PUNCT
fsr-3457	245	33	melitz	melitz	PROPN
fsr-3457	245	34	,	,	PUNCT
fsr-3457	245	35	ammerman	ammerman	NOUN
fsr-3457	245	36	,	,	PUNCT
fsr-3457	245	37	&	&	CCONJ
fsr-3457	245	38	kitces	kitce	NOUN
fsr-3457	245	39	,	,	PUNCT
fsr-3457	245	40	in	in	ADP
fsr-3457	245	41	press	press	NOUN
fsr-3457	245	42	)	)	PUNCT
fsr-3457	245	43	.	.	PUNCT
fsr-3457	246	1	this	this	PRON
fsr-3457	246	2	could	could	AUX
fsr-3457	246	3	have	have	AUX
fsr-3457	246	4	had	have	VERB
fsr-3457	246	5	an	an	DET
fsr-3457	246	6	impact	impact	NOUN
fsr-3457	246	7	on	on	ADP
fsr-3457	246	8	the	the	DET
fsr-3457	246	9	insignificance	insignificance	NOUN
fsr-3457	246	10	of	of	ADP
fsr-3457	246	11	risk	risk	NOUN
fsr-3457	246	12	literacy	literacy	NOUN
fsr-3457	246	13	,	,	PUNCT
fsr-3457	246	14	resulting	result	VERB
fsr-3457	246	15	in	in	ADP
fsr-3457	246	16	different	different	ADJ
fsr-3457	246	17	findings	finding	NOUN
fsr-3457	246	18	than	than	ADP
fsr-3457	246	19	past	past	ADJ
fsr-3457	246	20	research	research	NOUN
fsr-3457	246	21	.	.	PUNCT
fsr-3457	247	1	however	however	ADV
fsr-3457	247	2	,	,	PUNCT
fsr-3457	247	3	this	this	PRON
fsr-3457	247	4	may	may	AUX
fsr-3457	247	5	also	also	ADV
fsr-3457	247	6	point	point	VERB
fsr-3457	247	7	to	to	ADP
fsr-3457	247	8	the	the	DET
fsr-3457	247	9	fact	fact	NOUN
fsr-3457	247	10	that	that	SCONJ
fsr-3457	247	11	financial	financial	ADJ
fsr-3457	247	12	planners	planner	NOUN
fsr-3457	247	13	possibly	possibly	ADV
fsr-3457	247	14	have	have	AUX
fsr-3457	247	15	received	receive	VERB
fsr-3457	247	16	more	more	ADJ
fsr-3457	247	17	education	education	NOUN
fsr-3457	247	18	geared	gear	VERB
fsr-3457	247	19	toward	toward	ADP
fsr-3457	247	20	understanding	understanding	NOUN
fsr-3457	247	21	and	and	CCONJ
fsr-3457	247	22	interacting	interact	VERB
fsr-3457	247	23	with	with	ADP
fsr-3457	247	24	probabilities	probability	NOUN
fsr-3457	247	25	(	(	PUNCT
fsr-3457	247	26	i.e.	i.e.	X
fsr-3457	247	27	,	,	PUNCT
fsr-3457	247	28	risk	risk	NOUN
fsr-3457	247	29	literacy	literacy	NOUN
fsr-3457	247	30	)	)	PUNCT
fsr-3457	247	31	than	than	ADP
fsr-3457	247	32	the	the	DET
fsr-3457	247	33	general	general	ADJ
fsr-3457	247	34	population	population	NOUN
fsr-3457	247	35	.	.	PUNCT
fsr-3457	248	1	overall	overall	ADV
fsr-3457	248	2	,	,	PUNCT
fsr-3457	248	3	30.43	30.43	NUM
fsr-3457	248	4	%	%	NOUN
fsr-3457	248	5	of	of	ADP
fsr-3457	248	6	the	the	DET
fsr-3457	248	7	sample	sample	NOUN
fsr-3457	248	8	scored	score	VERB
fsr-3457	248	9	low	low	ADV
fsr-3457	248	10	on	on	ADP
fsr-3457	248	11	the	the	DET
fsr-3457	248	12	risk	risk	NOUN
fsr-3457	248	13	literacy	literacy	NOUN
fsr-3457	248	14	assessment	assessment	NOUN
fsr-3457	248	15	.	.	PUNCT
fsr-3457	249	1	financial	financial	ADJ
fsr-3457	249	2	planners	planner	NOUN
fsr-3457	249	3	’	'	PUNCT
fsr-3457	249	4	style	style	NOUN
fsr-3457	249	5	of	of	ADP
fsr-3457	249	6	work	work	NOUN
fsr-3457	249	7	,	,	PUNCT
fsr-3457	249	8	deliberating	deliberate	VERB
fsr-3457	249	9	,	,	PUNCT
fsr-3457	249	10	and	and	CCONJ
fsr-3457	249	11	working	work	VERB
fsr-3457	249	12	with	with	ADP
fsr-3457	249	13	the	the	DET
fsr-3457	249	14	client	client	NOUN
fsr-3457	249	15	to	to	PART
fsr-3457	249	16	understand	understand	VERB
fsr-3457	249	17	risk	risk	NOUN
fsr-3457	249	18	,	,	PUNCT
fsr-3457	249	19	may	may	AUX
fsr-3457	249	20	also	also	ADV
fsr-3457	249	21	drive	drive	VERB
fsr-3457	249	22	up	up	ADP
fsr-3457	249	23	risk	risk	NOUN
fsr-3457	249	24	literacy	literacy	NOUN
fsr-3457	249	25	scores	score	NOUN
fsr-3457	249	26	.	.	PUNCT
fsr-3457	250	1	financial	financial	ADJ
fsr-3457	250	2	planners	planner	NOUN
fsr-3457	250	3	may	may	AUX
fsr-3457	250	4	,	,	PUNCT
fsr-3457	250	5	in	in	ADP
fsr-3457	250	6	general	general	ADJ
fsr-3457	250	7	,	,	PUNCT
fsr-3457	250	8	have	have	VERB
fsr-3457	250	9	higher	high	ADJ
fsr-3457	250	10	risk	risk	NOUN
fsr-3457	250	11	literacy	literacy	NOUN
fsr-3457	250	12	than	than	ADP
fsr-3457	250	13	some	some	DET
fsr-3457	250	14	other	other	ADJ
fsr-3457	250	15	professional	professional	ADJ
fsr-3457	250	16	groups	group	NOUN
fsr-3457	250	17	due	due	ADP
fsr-3457	250	18	to	to	ADP
fsr-3457	250	19	the	the	DET
fsr-3457	250	20	way	way	NOUN
fsr-3457	250	21	their	their	PRON
fsr-3457	250	22	education	education	NOUN
fsr-3457	250	23	and	and	CCONJ
fsr-3457	250	24	the	the	DET
fsr-3457	250	25	practice	practice	NOUN
fsr-3457	250	26	of	of	ADP
fsr-3457	250	27	financial	financial	ADJ
fsr-3457	250	28	planning	planning	NOUN
fsr-3457	250	29	,	,	PUNCT
fsr-3457	250	30	is	be	AUX
fsr-3457	250	31	conducted	conduct	VERB
fsr-3457	250	32	.	.	PUNCT
fsr-3457	251	1	however	however	ADV
fsr-3457	251	2	,	,	PUNCT
fsr-3457	251	3	as	as	SCONJ
fsr-3457	251	4	this	this	PRON
fsr-3457	251	5	was	be	AUX
fsr-3457	251	6	administered	administer	VERB
fsr-3457	251	7	online	online	ADV
fsr-3457	251	8	,	,	PUNCT
fsr-3457	251	9	with	with	ADP
fsr-3457	251	10	no	no	DET
fsr-3457	251	11	time	time	NOUN
fsr-3457	251	12	limit	limit	NOUN
fsr-3457	251	13	,	,	PUNCT
fsr-3457	251	14	the	the	DET
fsr-3457	251	15	participants	participant	NOUN
fsr-3457	251	16	could	could	AUX
fsr-3457	251	17	have	have	AUX
fsr-3457	251	18	answered	answer	VERB
fsr-3457	251	19	using	use	VERB
fsr-3457	251	20	online	online	ADJ
fsr-3457	251	21	calculators	calculator	NOUN
fsr-3457	251	22	or	or	CCONJ
fsr-3457	251	23	internet	internet	NOUN
fsr-3457	251	24	searches	search	NOUN
fsr-3457	251	25	.	.	PUNCT
fsr-3457	252	1	in	in	ADP
fsr-3457	252	2	addition	addition	NOUN
fsr-3457	252	3	,	,	PUNCT
fsr-3457	252	4	this	this	PRON
fsr-3457	252	5	was	be	AUX
fsr-3457	252	6	a	a	DET
fsr-3457	252	7	convenience	convenience	NOUN
fsr-3457	252	8	sample	sample	NOUN
fsr-3457	252	9	drawn	draw	VERB
fsr-3457	252	10	from	from	ADP
fsr-3457	252	11	willing	willing	ADJ
fsr-3457	252	12	participants	participant	NOUN
fsr-3457	252	13	through	through	ADP
fsr-3457	252	14	listservs	listservs	NOUN
fsr-3457	252	15	and	and	CCONJ
fsr-3457	252	16	email	email	NOUN
fsr-3457	252	17	lists	list	NOUN
fsr-3457	252	18	known	know	VERB
fsr-3457	252	19	by	by	ADP
fsr-3457	252	20	the	the	DET
fsr-3457	252	21	researchers	researcher	NOUN
fsr-3457	252	22	.	.	PUNCT
fsr-3457	253	1	while	while	SCONJ
fsr-3457	253	2	most	most	ADJ
fsr-3457	253	3	financial	financial	ADJ
fsr-3457	253	4	planners	planner	NOUN
fsr-3457	253	5	will	will	AUX
fsr-3457	253	6	choose	choose	VERB
fsr-3457	253	7	portfolios	portfolio	NOUN
fsr-3457	253	8	based	base	VERB
fsr-3457	253	9	upon	upon	SCONJ
fsr-3457	253	10	a	a	DET
fsr-3457	253	11	variety	variety	NOUN
fsr-3457	253	12	of	of	ADP
fsr-3457	253	13	factors	factor	NOUN
fsr-3457	253	14	,	,	PUNCT
fsr-3457	253	15	the	the	DET
fsr-3457	253	16	portfolio	portfolio	NOUN
fsr-3457	253	17	selection	selection	NOUN
fsr-3457	253	18	task	task	NOUN
fsr-3457	253	19	in	in	ADP
fsr-3457	253	20	this	this	DET
fsr-3457	253	21	study	study	NOUN
fsr-3457	253	22	was	be	AUX
fsr-3457	253	23	simple	simple	ADJ
fsr-3457	253	24	,	,	PUNCT
fsr-3457	253	25	constrained	constrain	VERB
fsr-3457	253	26	,	,	PUNCT
fsr-3457	253	27	and	and	CCONJ
fsr-3457	253	28	narrowly	narrowly	ADV
fsr-3457	253	29	defined	define	VERB
fsr-3457	253	30	.	.	PUNCT
fsr-3457	254	1	7.3	7.3	NUM
fsr-3457	254	2	.	.	PUNCT
fsr-3457	255	1	future	future	ADJ
fsr-3457	255	2	research	research	NOUN
fsr-3457	255	3	directions	direction	NOUN
fsr-3457	255	4	to	to	ADP
fsr-3457	255	5	our	our	PRON
fsr-3457	255	6	knowledge	knowledge	NOUN
fsr-3457	255	7	,	,	PUNCT
fsr-3457	255	8	this	this	DET
fsr-3457	255	9	study	study	NOUN
fsr-3457	255	10	is	be	AUX
fsr-3457	255	11	the	the	DET
fsr-3457	255	12	first	first	ADJ
fsr-3457	255	13	of	of	ADP
fsr-3457	255	14	its	its	PRON
fsr-3457	255	15	kind	kind	NOUN
fsr-3457	255	16	in	in	ADP
fsr-3457	255	17	financial	financial	ADJ
fsr-3457	255	18	planning	planning	NOUN
fsr-3457	255	19	research	research	NOUN
fsr-3457	255	20	.	.	PUNCT
fsr-3457	256	1	findings	finding	NOUN
fsr-3457	256	2	suggest	suggest	VERB
fsr-3457	256	3	that	that	SCONJ
fsr-3457	256	4	further	further	ADJ
fsr-3457	256	5	exploration	exploration	NOUN
fsr-3457	256	6	with	with	ADP
fsr-3457	256	7	a	a	DET
fsr-3457	256	8	larger	large	ADJ
fsr-3457	256	9	,	,	PUNCT
fsr-3457	256	10	more	more	ADV
fsr-3457	256	11	diverse	diverse	ADJ
fsr-3457	256	12	sample	sample	NOUN
fsr-3457	256	13	may	may	AUX
fsr-3457	256	14	result	result	VERB
fsr-3457	256	15	in	in	ADP
fsr-3457	256	16	different	different	ADJ
fsr-3457	256	17	findings	finding	NOUN
fsr-3457	256	18	that	that	PRON
fsr-3457	256	19	could	could	AUX
fsr-3457	256	20	reflect	reflect	VERB
fsr-3457	256	21	previous	previous	ADJ
fsr-3457	256	22	work	work	NOUN
fsr-3457	256	23	conducted	conduct	VERB
fsr-3457	256	24	with	with	ADP
fsr-3457	256	25	other	other	ADJ
fsr-3457	256	26	populations	population	NOUN
fsr-3457	256	27	.	.	PUNCT
fsr-3457	257	1	testing	test	VERB
fsr-3457	257	2	other	other	ADJ
fsr-3457	257	3	types	type	NOUN
fsr-3457	257	4	of	of	ADP
fsr-3457	257	5	visual	visual	ADJ
fsr-3457	257	6	aids	aid	NOUN
fsr-3457	257	7	utilizing	utilize	VERB
fsr-3457	257	8	the	the	DET
fsr-3457	257	9	same	same	ADJ
fsr-3457	257	10	probabilistic	probabilistic	ADJ
fsr-3457	257	11	information	information	NOUN
fsr-3457	257	12	could	could	AUX
fsr-3457	257	13	lead	lead	VERB
fsr-3457	257	14	to	to	ADP
fsr-3457	257	15	a	a	DET
fsr-3457	257	16	better	well	ADJ
fsr-3457	257	17	understanding	understanding	NOUN
fsr-3457	257	18	of	of	ADP
fsr-3457	257	19	best	good	ADJ
fsr-3457	257	20	practices	practice	NOUN
fsr-3457	257	21	for	for	ADP
fsr-3457	257	22	visual	visual	ADJ
fsr-3457	257	23	aid	aid	NOUN
fsr-3457	257	24	use	use	NOUN
fsr-3457	257	25	.	.	PUNCT
fsr-3457	258	1	it	it	PRON
fsr-3457	258	2	would	would	AUX
fsr-3457	258	3	also	also	ADV
fsr-3457	258	4	be	be	AUX
fsr-3457	258	5	helpful	helpful	ADJ
fsr-3457	258	6	to	to	PART
fsr-3457	258	7	uncover	uncover	VERB
fsr-3457	258	8	how	how	SCONJ
fsr-3457	258	9	,	,	PUNCT
fsr-3457	258	10	if	if	SCONJ
fsr-3457	258	11	at	at	ADV
fsr-3457	258	12	all	all	ADV
fsr-3457	258	13	,	,	PUNCT
fsr-3457	258	14	risk	risk	NOUN
fsr-3457	258	15	literacy	literacy	NOUN
fsr-3457	258	16	does	do	AUX
fsr-3457	258	17	increase	increase	VERB
fsr-3457	258	18	or	or	CCONJ
fsr-3457	258	19	change	change	VERB
fsr-3457	258	20	as	as	SCONJ
fsr-3457	258	21	financial	financial	ADJ
fsr-3457	258	22	planners	planner	NOUN
fsr-3457	258	23	grow	grow	VERB
fsr-3457	258	24	in	in	ADP
fsr-3457	258	25	their	their	PRON
fsr-3457	258	26	careers	career	NOUN
fsr-3457	258	27	and	and	CCONJ
fsr-3457	258	28	position	position	NOUN
fsr-3457	258	29	.	.	PUNCT
fsr-3457	259	1	the	the	DET
fsr-3457	259	2	same	same	ADJ
fsr-3457	259	3	could	could	AUX
fsr-3457	259	4	be	be	AUX
fsr-3457	259	5	said	say	VERB
fsr-3457	259	6	for	for	ADP
fsr-3457	259	7	clients	client	NOUN
fsr-3457	259	8	of	of	ADP
fsr-3457	259	9	financial	financial	ADJ
fsr-3457	259	10	planners	planner	NOUN
fsr-3457	259	11	:	:	PUNCT
fsr-3457	259	12	does	do	AUX
fsr-3457	259	13	working	work	VERB
fsr-3457	259	14	with	with	ADP
fsr-3457	259	15	a	a	DET
fsr-3457	259	16	financial	financial	ADJ
fsr-3457	259	17	planner	planner	NOUN
fsr-3457	259	18	increase	increase	VERB
fsr-3457	259	19	risk	risk	NOUN
fsr-3457	259	20	literacy	literacy	NOUN
fsr-3457	259	21	skill	skill	NOUN
fsr-3457	259	22	?	?	PUNCT
fsr-3457	260	1	finally	finally	ADV
fsr-3457	260	2	,	,	PUNCT
fsr-3457	260	3	future	future	ADJ
fsr-3457	260	4	research	research	NOUN
fsr-3457	260	5	would	would	AUX
fsr-3457	260	6	also	also	ADV
fsr-3457	260	7	be	be	AUX
fsr-3457	260	8	enhanced	enhance	VERB
fsr-3457	260	9	by	by	ADP
fsr-3457	260	10	measuring	measure	VERB
fsr-3457	260	11	the	the	DET
fsr-3457	260	12	other	other	ADJ
fsr-3457	260	13	constructs	construct	NOUN
fsr-3457	260	14	of	of	ADP
fsr-3457	260	15	skilled	skilled	ADJ
fsr-3457	260	16	decision	decision	NOUN
fsr-3457	260	17	theory	theory	NOUN
fsr-3457	260	18	.	.	PUNCT
fsr-3457	261	1	7.4	7.4	NUM
fsr-3457	261	2	.	.	PUNCT
fsr-3457	262	1	conclusion	conclusion	NOUN
fsr-3457	262	2	literature	literature	NOUN
fsr-3457	262	3	from	from	ADP
fsr-3457	262	4	judgment	judgment	NOUN
fsr-3457	262	5	and	and	CCONJ
fsr-3457	262	6	decision	decision	NOUN
fsr-3457	262	7	-	-	PUNCT
fsr-3457	262	8	making	make	VERB
fsr-3457	262	9	highlights	highlight	NOUN
fsr-3457	262	10	the	the	DET
fsr-3457	262	11	importance	importance	NOUN
fsr-3457	262	12	of	of	ADP
fsr-3457	262	13	risk	risk	NOUN
fsr-3457	262	14	literacy	literacy	NOUN
fsr-3457	262	15	and	and	CCONJ
fsr-3457	262	16	visual	visual	ADJ
fsr-3457	262	17	aids	aid	NOUN
fsr-3457	262	18	in	in	ADP
fsr-3457	262	19	making	make	VERB
fsr-3457	262	20	decisions	decision	NOUN
fsr-3457	262	21	.	.	PUNCT
fsr-3457	263	1	this	this	DET
fsr-3457	263	2	study	study	NOUN
fsr-3457	263	3	(	(	PUNCT
fsr-3457	263	4	1	1	X
fsr-3457	263	5	)	)	PUNCT
fsr-3457	263	6	compares	compare	VERB
fsr-3457	263	7	risk	risk	NOUN
fsr-3457	263	8	literacy	literacy	NOUN
fsr-3457	263	9	levels	level	NOUN
fsr-3457	263	10	of	of	ADP
fsr-3457	263	11	financial	financial	ADJ
fsr-3457	263	12	table	table	NOUN
fsr-3457	263	13	8	8	NUM
fsr-3457	263	14	results	result	NOUN
fsr-3457	263	15	for	for	ADP
fsr-3457	263	16	bootstrap	bootstrap	NOUN
fsr-3457	263	17	logistic	logistic	ADJ
fsr-3457	263	18	regression	regression	NOUN
fsr-3457	263	19	of	of	ADP
fsr-3457	263	20	visual	visual	ADJ
fsr-3457	263	21	aid	aid	NOUN
fsr-3457	263	22	on	on	ADP
fsr-3457	263	23	portfolio	portfolio	NOUN
fsr-3457	263	24	selection	selection	NOUN
fsr-3457	263	25	(	(	PUNCT
fsr-3457	263	26	n	n	NOUN
fsr-3457	263	27	=	=	SYM
fsr-3457	263	28	69	69	NUM
fsr-3457	263	29	)	)	PUNCT
fsr-3457	263	30	variable	variable	ADJ
fsr-3457	263	31	coefficient	coefficient	NOUN
fsr-3457	263	32	se	se	PROPN
fsr-3457	263	33	p	p	PROPN
fsr-3457	263	34	or	or	CCONJ
fsr-3457	263	35	lower	low	ADJ
fsr-3457	263	36	ci	ci	PROPN
fsr-3457	263	37	upper	upper	ADJ
fsr-3457	263	38	ci	ci	NOUN
fsr-3457	263	39	intercept	intercept	NOUN
fsr-3457	263	40	0.83	0.83	NUM
fsr-3457	263	41	0.26	0.26	NUM
fsr-3457	263	42	<	<	X
fsr-3457	263	43	0.01	0.01	NUM
fsr-3457	263	44	*	*	PUNCT
fsr-3457	263	45	*	*	PUNCT
fsr-3457	263	46	*	*	PUNCT
fsr-3457	263	47	—	—	PUNCT
fsr-3457	263	48	—	—	PUNCT
fsr-3457	263	49	—	—	PUNCT
fsr-3457	263	50	visual	visual	ADJ
fsr-3457	263	51	aid	aid	NOUN
fsr-3457	263	52	0.97	0.97	NUM
fsr-3457	263	53	0.41	0.41	NUM
fsr-3457	263	54	0.02	0.02	NUM
fsr-3457	263	55	*	*	PUNCT
fsr-3457	263	56	*	*	PUNCT
fsr-3457	263	57	2.65	2.65	NUM
fsr-3457	263	58	1.18	1.18	NUM
fsr-3457	263	59	4.21	4.21	NUM
fsr-3457	263	60	source	source	NOUN
fsr-3457	263	61	:	:	PUNCT
fsr-3457	263	62	four	four	NUM
fsr-3457	263	63	resampling	resample	VERB
fsr-3457	263	64	intervals	interval	NOUN
fsr-3457	263	65	.	.	PUNCT
fsr-3457	264	1	significance	significance	NOUN
fsr-3457	264	2	levels	level	NOUN
fsr-3457	264	3	*	*	PUNCT
fsr-3457	264	4	p	p	X
fsr-3457	264	5	<	<	X
fsr-3457	264	6	.10	.10	NUM
fsr-3457	264	7	,	,	PUNCT
fsr-3457	264	8	*	*	PUNCT
fsr-3457	265	1	*	*	PUNCT
fsr-3457	265	2	p	p	X
fsr-3457	265	3	<	<	X
fsr-3457	265	4	.05	.05	NUM
fsr-3457	265	5	,	,	PUNCT
fsr-3457	265	6	*	*	PUNCT
fsr-3457	266	1	*	*	PUNCT
fsr-3457	266	2	*	*	PUNCT
fsr-3457	266	3	p	p	X
fsr-3457	266	4	<	<	X
fsr-3457	266	5	.01	.01	NUM
fsr-3457	266	6	.	.	PROPN
fsr-3457	266	7	222	222	NUM
fsr-3457	266	8	m.	m.	NOUN
fsr-3457	266	9	r.	r.	PROPN
fsr-3457	266	10	lurtz	lurtz	PROPN
fsr-3457	266	11	et	et	PROPN
fsr-3457	266	12	al	al	PROPN
fsr-3457	266	13	.	.	PUNCT
fsr-3457	266	14	/	/	SYM
fsr-3457	266	15	financial	financial	ADJ
fsr-3457	266	16	services	service	NOUN
fsr-3457	266	17	review	review	VERB
fsr-3457	266	18	29	29	NUM
fsr-3457	266	19	(	(	PUNCT
fsr-3457	266	20	2021	2021	NUM
fsr-3457	266	21	)	)	PUNCT
fsr-3457	267	1	209–225	209–225	NUM
fsr-3457	267	2	planners	planner	NOUN
fsr-3457	267	3	to	to	PART
fsr-3457	267	4	previously	previously	ADV
fsr-3457	267	5	published	publish	VERB
fsr-3457	267	6	studies	study	NOUN
fsr-3457	267	7	of	of	ADP
fsr-3457	267	8	risk	risk	NOUN
fsr-3457	267	9	literacy	literacy	NOUN
fsr-3457	267	10	levels	level	NOUN
fsr-3457	267	11	and	and	CCONJ
fsr-3457	267	12	(	(	PUNCT
fsr-3457	267	13	2	2	X
fsr-3457	267	14	)	)	PUNCT
fsr-3457	267	15	replicates	replicate	VERB
fsr-3457	267	16	the	the	DET
fsr-3457	267	17	study	study	NOUN
fsr-3457	267	18	by	by	ADP
fsr-3457	267	19	garcia	garcia	PROPN
fsr-3457	267	20	-	-	PUNCT
fsr-3457	267	21	retamero	retamero	PROPN
fsr-3457	267	22	et	et	PROPN
fsr-3457	267	23	al	al	PROPN
fsr-3457	267	24	.	.	PUNCT
fsr-3457	268	1	(	(	PUNCT
fsr-3457	268	2	2016	2016	NUM
fsr-3457	268	3	)	)	PUNCT
fsr-3457	268	4	that	that	PRON
fsr-3457	268	5	investigated	investigate	VERB
fsr-3457	268	6	risk	risk	NOUN
fsr-3457	268	7	literacy	literacy	NOUN
fsr-3457	268	8	and	and	CCONJ
fsr-3457	268	9	the	the	DET
fsr-3457	268	10	effect	effect	NOUN
fsr-3457	268	11	of	of	ADP
fsr-3457	268	12	visual	visual	ADJ
fsr-3457	268	13	aids	aid	NOUN
fsr-3457	268	14	among	among	ADP
fsr-3457	268	15	surgeons	surgeon	NOUN
fsr-3457	268	16	.	.	PUNCT
fsr-3457	269	1	this	this	DET
fsr-3457	269	2	study	study	NOUN
fsr-3457	269	3	contributes	contribute	VERB
fsr-3457	269	4	to	to	ADP
fsr-3457	269	5	the	the	DET
fsr-3457	269	6	literature	literature	NOUN
fsr-3457	269	7	by	by	ADP
fsr-3457	269	8	(	(	PUNCT
fsr-3457	269	9	1	1	X
fsr-3457	269	10	)	)	PUNCT
fsr-3457	269	11	investigating	investigate	VERB
fsr-3457	269	12	risk	risk	NOUN
fsr-3457	269	13	literacy	literacy	NOUN
fsr-3457	269	14	levels	level	NOUN
fsr-3457	269	15	among	among	ADP
fsr-3457	269	16	financial	financial	ADJ
fsr-3457	269	17	planners	planner	NOUN
fsr-3457	269	18	,	,	PUNCT
fsr-3457	269	19	and	and	CCONJ
fsr-3457	269	20	(	(	PUNCT
fsr-3457	269	21	2	2	X
fsr-3457	269	22	)	)	PUNCT
fsr-3457	269	23	examining	examine	VERB
fsr-3457	269	24	the	the	DET
fsr-3457	269	25	effect	effect	NOUN
fsr-3457	269	26	of	of	ADP
fsr-3457	269	27	visual	visual	ADJ
fsr-3457	269	28	aids	aid	NOUN
fsr-3457	269	29	on	on	ADP
fsr-3457	269	30	portfolio	portfolio	NOUN
fsr-3457	269	31	choices	choice	NOUN
fsr-3457	269	32	among	among	ADP
fsr-3457	269	33	financial	financial	ADJ
fsr-3457	269	34	planners	planner	NOUN
fsr-3457	269	35	.	.	PUNCT
fsr-3457	270	1	the	the	DET
fsr-3457	270	2	findings	finding	NOUN
fsr-3457	270	3	provide	provide	VERB
fsr-3457	270	4	support	support	NOUN
fsr-3457	270	5	for	for	ADP
fsr-3457	270	6	skilled	skilled	ADJ
fsr-3457	270	7	decision	decision	NOUN
fsr-3457	270	8	-	-	PUNCT
fsr-3457	270	9	making	make	VERB
fsr-3457	270	10	theory	theory	NOUN
fsr-3457	270	11	(	(	PUNCT
fsr-3457	270	12	cokely	cokely	ADV
fsr-3457	270	13	et	et	PROPN
fsr-3457	270	14	al	al	PROPN
fsr-3457	270	15	.	.	PROPN
fsr-3457	270	16	,	,	PUNCT
fsr-3457	270	17	in	in	ADP
fsr-3457	270	18	press	press	NOUN
fsr-3457	270	19	)	)	PUNCT
fsr-3457	270	20	as	as	ADV
fsr-3457	270	21	well	well	ADV
fsr-3457	270	22	as	as	ADP
fsr-3457	270	23	previous	previous	ADJ
fsr-3457	270	24	work	work	NOUN
fsr-3457	270	25	conducted	conduct	VERB
fsr-3457	270	26	by	by	ADP
fsr-3457	270	27	garcia	garcia	PROPN
fsr-3457	270	28	-	-	PUNCT
fsr-3457	270	29	retamero	retamero	PROPN
fsr-3457	270	30	et	et	PROPN
fsr-3457	270	31	al	al	PROPN
fsr-3457	270	32	.	.	PUNCT
fsr-3457	271	1	(	(	PUNCT
fsr-3457	271	2	2016	2016	NUM
fsr-3457	271	3	)	)	PUNCT
fsr-3457	271	4	and	and	CCONJ
fsr-3457	271	5	kothakota	kothakota	PROPN
fsr-3457	271	6	&	&	CCONJ
fsr-3457	271	7	kiss	kiss	PROPN
fsr-3457	271	8	(	(	PUNCT
fsr-3457	271	9	2020	2020	NUM
fsr-3457	271	10	)	)	PUNCT
fsr-3457	271	11	,	,	PUNCT
fsr-3457	271	12	which	which	PRON
fsr-3457	271	13	suggest	suggest	VERB
fsr-3457	271	14	the	the	DET
fsr-3457	271	15	use	use	NOUN
fsr-3457	271	16	of	of	ADP
fsr-3457	271	17	visual	visual	ADJ
fsr-3457	271	18	aids	aid	NOUN
fsr-3457	271	19	in	in	ADP
fsr-3457	271	20	financial	financial	ADJ
fsr-3457	271	21	planning	planning	NOUN
fsr-3457	271	22	is	be	AUX
fsr-3457	271	23	useful	useful	ADJ
fsr-3457	271	24	and	and	CCONJ
fsr-3457	271	25	potentially	potentially	ADV
fsr-3457	271	26	necessary	necessary	ADJ
fsr-3457	271	27	.	.	PUNCT
fsr-3457	272	1	not	not	PART
fsr-3457	272	2	all	all	DET
fsr-3457	272	3	visual	visual	ADJ
fsr-3457	272	4	aids	aid	NOUN
fsr-3457	272	5	are	be	AUX
fsr-3457	272	6	created	create	VERB
fsr-3457	272	7	equally	equally	ADV
fsr-3457	272	8	,	,	PUNCT
fsr-3457	272	9	however	however	ADV
fsr-3457	272	10	,	,	PUNCT
fsr-3457	272	11	and	and	CCONJ
fsr-3457	272	12	a	a	DET
fsr-3457	272	13	poorly	poorly	ADV
fsr-3457	272	14	constructed	construct	VERB
fsr-3457	272	15	visual	visual	ADJ
fsr-3457	272	16	,	,	PUNCT
fsr-3457	272	17	like	like	ADP
fsr-3457	272	18	a	a	DET
fsr-3457	272	19	simple	simple	ADJ
fsr-3457	272	20	verbatim	verbatim	ADJ
fsr-3457	272	21	task	task	NOUN
fsr-3457	272	22	description	description	NOUN
fsr-3457	272	23	,	,	PUNCT
fsr-3457	272	24	may	may	AUX
fsr-3457	272	25	not	not	PART
fsr-3457	272	26	help	help	VERB
fsr-3457	272	27	in	in	ADP
fsr-3457	272	28	explaining	explain	VERB
fsr-3457	272	29	risks	risk	NOUN
fsr-3457	272	30	to	to	ADP
fsr-3457	272	31	clients	client	NOUN
fsr-3457	272	32	.	.	PUNCT
fsr-3457	273	1	while	while	SCONJ
fsr-3457	273	2	this	this	DET
fsr-3457	273	3	study	study	NOUN
fsr-3457	273	4	only	only	ADV
fsr-3457	273	5	investigated	investigate	VERB
fsr-3457	273	6	the	the	DET
fsr-3457	273	7	use	use	NOUN
fsr-3457	273	8	of	of	ADP
fsr-3457	273	9	an	an	DET
fsr-3457	273	10	icon	icon	NOUN
fsr-3457	273	11	array	array	NOUN
fsr-3457	273	12	,	,	PUNCT
fsr-3457	273	13	the	the	DET
fsr-3457	273	14	direct	direct	ADJ
fsr-3457	273	15	application	application	NOUN
fsr-3457	273	16	to	to	ADP
fsr-3457	273	17	understanding	understand	VERB
fsr-3457	273	18	portfolio	portfolio	NOUN
fsr-3457	273	19	failure	failure	NOUN
fsr-3457	273	20	risk	risk	NOUN
fsr-3457	273	21	is	be	AUX
fsr-3457	273	22	something	something	PRON
fsr-3457	273	23	financial	financial	ADJ
fsr-3457	273	24	planners	planner	NOUN
fsr-3457	273	25	address	address	VERB
fsr-3457	273	26	every	every	DET
fsr-3457	273	27	day	day	NOUN
fsr-3457	273	28	.	.	PUNCT
fsr-3457	274	1	in	in	ADP
fsr-3457	274	2	summary	summary	NOUN
fsr-3457	274	3	,	,	PUNCT
fsr-3457	274	4	financial	financial	ADJ
fsr-3457	274	5	planners	planner	NOUN
fsr-3457	274	6	help	help	VERB
fsr-3457	274	7	clients	client	NOUN
fsr-3457	274	8	make	make	VERB
fsr-3457	274	9	appropriate	appropriate	ADJ
fsr-3457	274	10	financial	financial	ADJ
fsr-3457	274	11	decisions	decision	NOUN
fsr-3457	274	12	that	that	PRON
fsr-3457	274	13	involve	involve	VERB
fsr-3457	274	14	risk	risk	NOUN
fsr-3457	274	15	and	and	CCONJ
fsr-3457	274	16	the	the	DET
fsr-3457	274	17	need	need	NOUN
fsr-3457	274	18	to	to	PART
fsr-3457	274	19	interpret	interpret	VERB
fsr-3457	274	20	probability	probability	NOUN
fsr-3457	274	21	appropriately	appropriately	ADV
fsr-3457	274	22	.	.	PUNCT
fsr-3457	275	1	while	while	SCONJ
fsr-3457	275	2	most	most	ADJ
fsr-3457	275	3	financial	financial	ADJ
fsr-3457	275	4	planners	planner	NOUN
fsr-3457	275	5	in	in	ADP
fsr-3457	275	6	this	this	DET
fsr-3457	275	7	study	study	NOUN
fsr-3457	275	8	scored	score	VERB
fsr-3457	275	9	moderate	moderate	ADJ
fsr-3457	275	10	or	or	CCONJ
fsr-3457	275	11	high	high	ADJ
fsr-3457	275	12	in	in	ADP
fsr-3457	275	13	risk	risk	NOUN
fsr-3457	275	14	literacy	literacy	NOUN
fsr-3457	275	15	,	,	PUNCT
fsr-3457	275	16	the	the	DET
fsr-3457	275	17	combination	combination	NOUN
fsr-3457	275	18	of	of	ADP
fsr-3457	275	19	a	a	DET
fsr-3457	275	20	visual	visual	ADJ
fsr-3457	275	21	aid	aid	NOUN
fsr-3457	275	22	and	and	CCONJ
fsr-3457	275	23	written	write	VERB
fsr-3457	275	24	probabilistic	probabilistic	ADJ
fsr-3457	275	25	information	information	NOUN
fsr-3457	275	26	versus	versus	ADP
fsr-3457	275	27	only	only	ADV
fsr-3457	275	28	written	write	VERB
fsr-3457	275	29	probabilistic	probabilistic	ADJ
fsr-3457	275	30	information	information	NOUN
fsr-3457	275	31	significantly	significantly	ADV
fsr-3457	275	32	helped	help	VERB
fsr-3457	275	33	planners	planner	NOUN
fsr-3457	275	34	choose	choose	VERB
fsr-3457	275	35	the	the	DET
fsr-3457	275	36	appropriate	appropriate	ADJ
fsr-3457	275	37	portfolio	portfolio	NOUN
fsr-3457	275	38	strategy	strategy	NOUN
fsr-3457	275	39	.	.	PUNCT
fsr-3457	276	1	appendix	appendix	VERB
fsr-3457	276	2	1	1	NUM
fsr-3457	276	3	the	the	DET
fsr-3457	276	4	seven	seven	NUM
fsr-3457	276	5	-	-	PUNCT
fsr-3457	276	6	step	step	NOUN
fsr-3457	276	7	financial	financial	ADJ
fsr-3457	276	8	planning	planning	NOUN
fsr-3457	276	9	process	process	NOUN
fsr-3457	276	10	1	1	NUM
fsr-3457	276	11	.	.	PUNCT
fsr-3457	276	12	understanding	understand	VERB
fsr-3457	276	13	the	the	DET
fsr-3457	276	14	client	client	NOUN
fsr-3457	276	15	’s	’s	PART
fsr-3457	276	16	personal	personal	ADJ
fsr-3457	276	17	and	and	CCONJ
fsr-3457	276	18	financial	financial	ADJ
fsr-3457	276	19	circumstances	circumstance	NOUN
fsr-3457	276	20	2	2	NUM
fsr-3457	276	21	.	.	PUNCT
fsr-3457	276	22	identifying	identify	VERB
fsr-3457	276	23	and	and	CCONJ
fsr-3457	276	24	selecting	select	VERB
fsr-3457	276	25	goals	goal	NOUN
fsr-3457	276	26	3	3	NUM
fsr-3457	276	27	.	.	PUNCT
fsr-3457	276	28	analyzing	analyze	VERB
fsr-3457	276	29	the	the	DET
fsr-3457	276	30	client	client	NOUN
fsr-3457	276	31	’s	’s	PART
fsr-3457	276	32	current	current	ADJ
fsr-3457	276	33	course	course	NOUN
fsr-3457	276	34	of	of	ADP
fsr-3457	276	35	action	action	NOUN
fsr-3457	276	36	and	and	CCONJ
fsr-3457	276	37	potential	potential	ADJ
fsr-3457	276	38	alternative	alternative	ADJ
fsr-3457	276	39	courses	course	NOUN
fsr-3457	276	40	of	of	ADP
fsr-3457	276	41	action	action	NOUN
fsr-3457	276	42	4	4	NUM
fsr-3457	276	43	.	.	PUNCT
fsr-3457	276	44	developing	develop	VERB
fsr-3457	276	45	the	the	DET
fsr-3457	276	46	financial	financial	ADJ
fsr-3457	276	47	planning	planning	PROPN
fsr-3457	276	48	recommendation(s	recommendation(s	PROPN
fsr-3457	276	49	)	)	PUNCT
fsr-3457	276	50	5	5	NUM
fsr-3457	276	51	.	.	PUNCT
fsr-3457	276	52	presenting	present	VERB
fsr-3457	276	53	the	the	DET
fsr-3457	276	54	financial	financial	ADJ
fsr-3457	276	55	planning	planning	PROPN
fsr-3457	276	56	recommendation(s	recommendation(s	PROPN
fsr-3457	276	57	)	)	PUNCT
fsr-3457	276	58	6	6	NUM
fsr-3457	276	59	.	.	PUNCT
fsr-3457	276	60	implementing	implement	VERB
fsr-3457	276	61	the	the	DET
fsr-3457	276	62	financial	financial	ADJ
fsr-3457	276	63	planning	planning	PROPN
fsr-3457	276	64	recommendation(s	recommendation(s	PROPN
fsr-3457	276	65	)	)	PUNCT
fsr-3457	276	66	7	7	NUM
fsr-3457	276	67	.	.	PUNCT
fsr-3457	276	68	monitoring	monitor	VERB
fsr-3457	276	69	progress	progress	NOUN
fsr-3457	276	70	and	and	CCONJ
fsr-3457	276	71	updating	updating	NOUN
fsr-3457	276	72	adapted	adapt	VERB
fsr-3457	276	73	from	from	ADP
fsr-3457	276	74	the	the	DET
fsr-3457	276	75	cfp	cfp	PROPN
fsr-3457	276	76	board	board	PROPN
fsr-3457	276	77	of	of	ADP
fsr-3457	276	78	standards	standard	NOUN
fsr-3457	276	79	(	(	PUNCT
fsr-3457	276	80	www.cfp.net	www.cfp.net	NOUN
fsr-3457	276	81	)	)	PUNCT
fsr-3457	276	82	berlin	berlin	PROPN
fsr-3457	276	83	numeracy	numeracy	PROPN
fsr-3457	276	84	test	test	NOUN
fsr-3457	276	85	traditional	traditional	ADJ
fsr-3457	276	86	paper	paper	NOUN
fsr-3457	276	87	and	and	CCONJ
fsr-3457	276	88	pencil	pencil	NOUN
fsr-3457	276	89	format	format	NOUN
fsr-3457	276	90	instructions	instruction	NOUN
fsr-3457	276	91	:	:	PUNCT
fsr-3457	276	92	please	please	INTJ
fsr-3457	276	93	answer	answer	VERB
fsr-3457	276	94	the	the	DET
fsr-3457	276	95	questions	question	NOUN
fsr-3457	276	96	below	below	ADV
fsr-3457	276	97	.	.	PUNCT
fsr-3457	277	1	do	do	AUX
fsr-3457	277	2	not	not	PART
fsr-3457	277	3	use	use	VERB
fsr-3457	277	4	a	a	DET
fsr-3457	277	5	calculator	calculator	NOUN
fsr-3457	277	6	but	but	CCONJ
fsr-3457	277	7	feel	feel	VERB
fsr-3457	277	8	free	free	ADJ
fsr-3457	277	9	use	use	VERB
fsr-3457	277	10	the	the	DET
fsr-3457	277	11	space	space	NOUN
fsr-3457	277	12	available	available	ADJ
fsr-3457	277	13	for	for	ADP
fsr-3457	277	14	notes	note	NOUN
fsr-3457	277	15	(	(	PUNCT
fsr-3457	277	16	i.e.	i.e.	X
fsr-3457	277	17	,	,	PUNCT
fsr-3457	277	18	scratch	scratch	NOUN
fsr-3457	277	19	paper	paper	NOUN
fsr-3457	277	20	)	)	PUNCT
fsr-3457	277	21	.	.	PUNCT
fsr-3457	278	1	1	1	X
fsr-3457	278	2	.	.	X
fsr-3457	278	3	imagine	imagine	VERB
fsr-3457	278	4	we	we	PRON
fsr-3457	278	5	are	be	AUX
fsr-3457	278	6	throwing	throw	VERB
fsr-3457	278	7	a	a	DET
fsr-3457	278	8	five	five	NUM
fsr-3457	278	9	-	-	PUNCT
fsr-3457	278	10	sided	sided	ADJ
fsr-3457	278	11	die	die	VERB
fsr-3457	278	12	50	50	NUM
fsr-3457	278	13	times	time	NOUN
fsr-3457	278	14	.	.	PUNCT
fsr-3457	279	1	on	on	ADP
fsr-3457	279	2	average	average	ADJ
fsr-3457	279	3	,	,	PUNCT
fsr-3457	279	4	out	out	ADP
fsr-3457	279	5	of	of	ADP
fsr-3457	279	6	these	these	DET
fsr-3457	279	7	50	50	NUM
fsr-3457	279	8	throws	throw	VERB
fsr-3457	279	9	how	how	SCONJ
fsr-3457	279	10	many	many	ADJ
fsr-3457	279	11	times	time	NOUN
fsr-3457	279	12	would	would	AUX
fsr-3457	279	13	this	this	DET
fsr-3457	279	14	five	five	NUM
fsr-3457	279	15	-	-	PUNCT
fsr-3457	279	16	sided	sided	ADJ
fsr-3457	279	17	die	die	NOUN
fsr-3457	279	18	show	show	VERB
fsr-3457	279	19	an	an	DET
fsr-3457	279	20	odd	odd	ADJ
fsr-3457	279	21	number	number	NOUN
fsr-3457	279	22	(	(	PUNCT
fsr-3457	279	23	1	1	NUM
fsr-3457	279	24	,	,	PUNCT
fsr-3457	279	25	3	3	NUM
fsr-3457	279	26	,	,	PUNCT
fsr-3457	279	27	or	or	CCONJ
fsr-3457	279	28	5	5	NUM
fsr-3457	279	29	)	)	PUNCT
fsr-3457	279	30	?	?	PUNCT
fsr-3457	280	1	2	2	X
fsr-3457	280	2	.	.	X
fsr-3457	280	3	out	out	ADP
fsr-3457	280	4	of	of	ADP
fsr-3457	280	5	1,000	1,000	NUM
fsr-3457	280	6	people	people	NOUN
fsr-3457	280	7	in	in	ADP
fsr-3457	280	8	a	a	DET
fsr-3457	280	9	small	small	ADJ
fsr-3457	280	10	town	town	NOUN
fsr-3457	280	11	500	500	NUM
fsr-3457	280	12	are	be	AUX
fsr-3457	280	13	members	member	NOUN
fsr-3457	280	14	of	of	ADP
fsr-3457	280	15	a	a	DET
fsr-3457	280	16	choir	choir	NOUN
fsr-3457	280	17	.	.	PUNCT
fsr-3457	281	1	out	out	ADP
fsr-3457	281	2	of	of	ADP
fsr-3457	281	3	these	these	DET
fsr-3457	281	4	500	500	NUM
fsr-3457	281	5	members	member	NOUN
fsr-3457	281	6	in	in	ADP
fsr-3457	281	7	the	the	DET
fsr-3457	281	8	choir	choir	NOUN
fsr-3457	281	9	100	100	NUM
fsr-3457	281	10	are	be	AUX
fsr-3457	281	11	men	man	NOUN
fsr-3457	281	12	.	.	PUNCT
fsr-3457	282	1	out	out	ADP
fsr-3457	282	2	of	of	ADP
fsr-3457	282	3	the	the	DET
fsr-3457	282	4	500	500	NUM
fsr-3457	282	5	inhabitants	inhabitant	NOUN
fsr-3457	282	6	that	that	PRON
fsr-3457	282	7	are	be	AUX
fsr-3457	282	8	not	not	PART
fsr-3457	282	9	in	in	ADP
fsr-3457	282	10	the	the	DET
fsr-3457	282	11	choir	choir	NOUN
fsr-3457	282	12	300	300	NUM
fsr-3457	282	13	are	be	AUX
fsr-3457	282	14	men	man	NOUN
fsr-3457	282	15	.	.	PUNCT
fsr-3457	283	1	what	what	PRON
fsr-3457	283	2	is	be	AUX
fsr-3457	283	3	the	the	DET
fsr-3457	283	4	probability	probability	NOUN
fsr-3457	283	5	that	that	SCONJ
fsr-3457	283	6	a	a	DET
fsr-3457	283	7	randomly	randomly	ADV
fsr-3457	283	8	drawn	draw	VERB
fsr-3457	283	9	man	man	NOUN
fsr-3457	283	10	is	be	AUX
fsr-3457	283	11	a	a	DET
fsr-3457	283	12	member	member	NOUN
fsr-3457	283	13	of	of	ADP
fsr-3457	283	14	the	the	DET
fsr-3457	283	15	choir	choir	NOUN
fsr-3457	283	16	?	?	PUNCT
fsr-3457	284	1	_	_	PUNCT
fsr-3457	285	1	_	_	PUNCT
fsr-3457	286	1	_	_	PUNCT
fsr-3457	287	1	_	_	PUNCT
fsr-3457	288	1	_	_	PUNCT
fsr-3457	289	1	%	%	INTJ
fsr-3457	289	2	(	(	PUNCT
fsr-3457	289	3	please	please	INTJ
fsr-3457	289	4	indicate	indicate	VERB
fsr-3457	289	5	the	the	DET
fsr-3457	289	6	probability	probability	NOUN
fsr-3457	289	7	in	in	ADP
fsr-3457	289	8	percentage	percentage	NOUN
fsr-3457	289	9	)	)	PUNCT
fsr-3457	289	10	3	3	X
fsr-3457	289	11	.	.	X
fsr-3457	290	1	imagine	imagine	VERB
fsr-3457	290	2	we	we	PRON
fsr-3457	290	3	are	be	AUX
fsr-3457	290	4	throwing	throw	VERB
fsr-3457	290	5	a	a	DET
fsr-3457	290	6	loaded	load	VERB
fsr-3457	290	7	die	die	NOUN
fsr-3457	290	8	(	(	PUNCT
fsr-3457	290	9	6	6	NUM
fsr-3457	290	10	sides	side	NOUN
fsr-3457	290	11	)	)	PUNCT
fsr-3457	290	12	.	.	PUNCT
fsr-3457	291	1	the	the	DET
fsr-3457	291	2	probability	probability	NOUN
fsr-3457	291	3	that	that	SCONJ
fsr-3457	291	4	the	the	DET
fsr-3457	291	5	die	die	NOUN
fsr-3457	291	6	shows	show	VERB
fsr-3457	291	7	a	a	DET
fsr-3457	291	8	6	6	NUM
fsr-3457	291	9	m.	m.	NOUN
fsr-3457	291	10	r.	r.	PROPN
fsr-3457	291	11	lurtz	lurtz	PROPN
fsr-3457	291	12	et	et	PROPN
fsr-3457	291	13	al	al	PROPN
fsr-3457	291	14	.	.	PUNCT
fsr-3457	291	15	/	/	SYM
fsr-3457	291	16	financial	financial	ADJ
fsr-3457	291	17	services	service	NOUN
fsr-3457	291	18	review	review	VERB
fsr-3457	291	19	29	29	NUM
fsr-3457	291	20	(	(	PUNCT
fsr-3457	291	21	2021	2021	NUM
fsr-3457	291	22	)	)	PUNCT
fsr-3457	292	1	209–225	209–225	NUM
fsr-3457	292	2	223	223	NUM
fsr-3457	292	3	is	be	AUX
fsr-3457	292	4	twice	twice	ADV
fsr-3457	292	5	as	as	ADV
fsr-3457	292	6	high	high	ADJ
fsr-3457	292	7	as	as	ADP
fsr-3457	292	8	the	the	DET
fsr-3457	292	9	probability	probability	NOUN
fsr-3457	292	10	of	of	ADP
fsr-3457	292	11	each	each	PRON
fsr-3457	292	12	of	of	ADP
fsr-3457	292	13	the	the	DET
fsr-3457	292	14	other	other	ADJ
fsr-3457	292	15	numbers	number	NOUN
fsr-3457	292	16	.	.	PUNCT
fsr-3457	293	1	on	on	ADP
fsr-3457	293	2	average	average	ADJ
fsr-3457	293	3	,	,	PUNCT
fsr-3457	293	4	out	out	ADP
fsr-3457	293	5	of	of	ADP
fsr-3457	293	6	these	these	DET
fsr-3457	293	7	70	70	NUM
fsr-3457	293	8	throws	throw	NOUN
fsr-3457	293	9	,	,	PUNCT
fsr-3457	293	10	how	how	SCONJ
fsr-3457	293	11	many	many	ADJ
fsr-3457	293	12	times	time	NOUN
fsr-3457	293	13	would	would	AUX
fsr-3457	293	14	the	the	DET
fsr-3457	293	15	die	die	VERB
fsr-3457	293	16	show	show	VERB
fsr-3457	293	17	the	the	DET
fsr-3457	293	18	number	number	NOUN
fsr-3457	293	19	6	6	NUM
fsr-3457	293	20	?	?	PUNCT
fsr-3457	294	1	_	_	PUNCT
fsr-3457	295	1	_	_	PUNCT
fsr-3457	296	1	_	_	PUNCT
fsr-3457	297	1	_	_	PUNCT
fsr-3457	298	1	_	_	PUNCT
fsr-3457	299	1	4	4	X
fsr-3457	299	2	.	.	X
fsr-3457	299	3	in	in	ADP
fsr-3457	299	4	a	a	DET
fsr-3457	299	5	forest	forest	NOUN
fsr-3457	299	6	20	20	NUM
fsr-3457	299	7	%	%	NOUN
fsr-3457	299	8	of	of	ADP
fsr-3457	299	9	mushrooms	mushroom	NOUN
fsr-3457	299	10	are	be	AUX
fsr-3457	299	11	red	red	ADJ
fsr-3457	299	12	,	,	PUNCT
fsr-3457	299	13	50	50	NUM
fsr-3457	299	14	%	%	NOUN
fsr-3457	299	15	brown	brown	NOUN
fsr-3457	299	16	,	,	PUNCT
fsr-3457	299	17	and	and	CCONJ
fsr-3457	299	18	30	30	NUM
fsr-3457	299	19	%	%	NOUN
fsr-3457	299	20	white	white	ADJ
fsr-3457	299	21	.	.	PUNCT
fsr-3457	300	1	a	a	DET
fsr-3457	300	2	red	red	ADJ
fsr-3457	300	3	mushroom	mushroom	NOUN
fsr-3457	300	4	is	be	AUX
fsr-3457	300	5	poisonous	poisonous	ADJ
fsr-3457	300	6	with	with	ADP
fsr-3457	300	7	a	a	DET
fsr-3457	300	8	probability	probability	NOUN
fsr-3457	300	9	of	of	ADP
fsr-3457	300	10	20	20	NUM
fsr-3457	300	11	%	%	NOUN
fsr-3457	300	12	.	.	PUNCT
fsr-3457	301	1	a	a	DET
fsr-3457	301	2	mushroom	mushroom	NOUN
fsr-3457	301	3	that	that	PRON
fsr-3457	301	4	is	be	AUX
fsr-3457	301	5	not	not	PART
fsr-3457	301	6	red	red	ADJ
fsr-3457	301	7	is	be	AUX
fsr-3457	301	8	poisonous	poisonous	ADJ
fsr-3457	301	9	with	with	ADP
fsr-3457	301	10	probability	probability	NOUN
fsr-3457	301	11	of	of	ADP
fsr-3457	301	12	5	5	NUM
fsr-3457	301	13	%	%	NOUN
fsr-3457	301	14	.	.	PUNCT
fsr-3457	302	1	what	what	PRON
fsr-3457	302	2	is	be	AUX
fsr-3457	302	3	the	the	DET
fsr-3457	302	4	probability	probability	NOUN
fsr-3457	302	5	that	that	SCONJ
fsr-3457	302	6	a	a	DET
fsr-3457	302	7	poisonous	poisonous	ADJ
fsr-3457	302	8	mushroom	mushroom	NOUN
fsr-3457	302	9	in	in	ADP
fsr-3457	302	10	the	the	DET
fsr-3457	302	11	forest	forest	NOUN
fsr-3457	302	12	is	be	AUX
fsr-3457	302	13	red	red	ADJ
fsr-3457	302	14	?	?	PUNCT
fsr-3457	303	1	_	_	PUNCT
fsr-3457	304	1	_	_	PUNCT
fsr-3457	305	1	_	_	PUNCT
fsr-3457	306	1	_	_	PUNCT
fsr-3457	307	1	_	_	PUNCT
fsr-3457	307	2	%	%	NOUN
fsr-3457	307	3	scoring	scoring	NOUN
fsr-3457	307	4	=	=	PUNCT
fsr-3457	307	5	count	count	VERB
fsr-3457	307	6	total	total	ADJ
fsr-3457	307	7	number	number	NOUN
fsr-3457	307	8	of	of	ADP
fsr-3457	307	9	correct	correct	ADJ
fsr-3457	307	10	answers	answer	NOUN
fsr-3457	307	11	.	.	PUNCT
fsr-3457	308	1	correct	correct	ADJ
fsr-3457	308	2	answers	answer	NOUN
fsr-3457	308	3	:	:	PUNCT
fsr-3457	308	4	1	1	NUM
fsr-3457	308	5	=	=	SYM
fsr-3457	308	6	30	30	NUM
fsr-3457	308	7	;	;	PUNCT
fsr-3457	308	8	2	2	NUM
fsr-3457	308	9	=	=	SYM
fsr-3457	308	10	25	25	NUM
fsr-3457	308	11	;	;	PUNCT
fsr-3457	308	12	3	3	NUM
fsr-3457	308	13	=	=	SYM
fsr-3457	308	14	20	20	NUM
fsr-3457	308	15	;	;	PUNCT
fsr-3457	308	16	4	4	NUM
fsr-3457	308	17	=	=	SYM
fsr-3457	308	18	50	50	NUM
fsr-3457	308	19	.	.	PUNCT
fsr-3457	309	1	references	reference	NOUN
fsr-3457	309	2	adjei	adjei	PROPN
fsr-3457	309	3	,	,	PUNCT
fsr-3457	309	4	i.	i.	PROPN
fsr-3457	309	5	a.	a.	PROPN
fsr-3457	309	6	,	,	PUNCT
fsr-3457	309	7	&	&	CCONJ
fsr-3457	309	8	karim	karim	PROPN
fsr-3457	309	9	,	,	PUNCT
fsr-3457	309	10	r.	r.	PROPN
fsr-3457	309	11	(	(	PUNCT
fsr-3457	309	12	2016	2016	NUM
fsr-3457	309	13	)	)	PUNCT
fsr-3457	309	14	.	.	PUNCT
fsr-3457	310	1	an	an	DET
fsr-3457	310	2	application	application	NOUN
fsr-3457	310	3	of	of	ADP
fsr-3457	310	4	bootstrapping	bootstrappe	VERB
fsr-3457	310	5	in	in	ADP
fsr-3457	310	6	logistic	logistic	ADJ
fsr-3457	310	7	regression	regression	NOUN
fsr-3457	310	8	model	model	NOUN
fsr-3457	310	9	.	.	PUNCT
fsr-3457	311	1	open	open	ADJ
fsr-3457	311	2	access	access	NOUN
fsr-3457	311	3	library	library	PROPN
fsr-3457	311	4	journal	journal	NOUN
fsr-3457	311	5	,	,	PUNCT
fsr-3457	311	6	3(9	3(9	NUM
fsr-3457	311	7	)	)	PUNCT
fsr-3457	311	8	,	,	PUNCT
fsr-3457	311	9	1–9	1–9	NOUN
fsr-3457	311	10	.	.	PUNCT
fsr-3457	311	11	campara	campara	PROPN
fsr-3457	311	12	,	,	PUNCT
fsr-3457	311	13	j.	j.	PROPN
fsr-3457	311	14	p.	p.	PROPN
fsr-3457	311	15	,	,	PUNCT
fsr-3457	311	16	paraboni	paraboni	PROPN
fsr-3457	311	17	,	,	PUNCT
fsr-3457	311	18	a.	a.	PROPN
fsr-3457	311	19	l.	l.	PROPN
fsr-3457	311	20	,	,	PUNCT
fsr-3457	311	21	da	da	PROPN
fsr-3457	311	22	costa	costa	PROPN
fsr-3457	311	23	,	,	PUNCT
fsr-3457	311	24	n.	n.	NOUN
fsr-3457	311	25	,	,	PUNCT
fsr-3457	311	26	saurin	saurin	NOUN
fsr-3457	311	27	,	,	PUNCT
fsr-3457	311	28	v.	v.	PROPN
fsr-3457	311	29	,	,	PUNCT
fsr-3457	311	30	&	&	CCONJ
fsr-3457	311	31	lopes	lopes	PROPN
fsr-3457	311	32	,	,	PUNCT
fsr-3457	311	33	a.	a.	NOUN
fsr-3457	311	34	(	(	PUNCT
fsr-3457	311	35	2017	2017	NUM
fsr-3457	311	36	)	)	PUNCT
fsr-3457	311	37	.	.	PUNCT
fsr-3457	312	1	subjective	subjective	ADJ
fsr-3457	312	2	risk	risk	NOUN
fsr-3457	312	3	tolerance	tolerance	NOUN
fsr-3457	312	4	and	and	CCONJ
fsr-3457	312	5	numeracy	numeracy	NOUN
fsr-3457	312	6	skills	skill	NOUN
fsr-3457	312	7	:	:	PUNCT
fsr-3457	312	8	a	a	DET
fsr-3457	312	9	study	study	NOUN
fsr-3457	312	10	in	in	ADP
fsr-3457	312	11	brazil	brazil	PROPN
fsr-3457	312	12	.	.	PUNCT
fsr-3457	313	1	journal	journal	PROPN
fsr-3457	313	2	of	of	ADP
fsr-3457	313	3	behavioral	behavioral	ADJ
fsr-3457	313	4	and	and	CCONJ
fsr-3457	313	5	experimental	experimental	ADJ
fsr-3457	313	6	finance	finance	NOUN
fsr-3457	313	7	,	,	PUNCT
fsr-3457	313	8	14	14	NUM
fsr-3457	313	9	,	,	PUNCT
fsr-3457	313	10	39–46	39–46	NUM
fsr-3457	313	11	.	.	PUNCT
fsr-3457	314	1	cokely	cokely	PROPN
fsr-3457	314	2	,	,	PUNCT
fsr-3457	314	3	e.	e.	PROPN
fsr-3457	314	4	t.	t.	PROPN
fsr-3457	314	5	,	,	PUNCT
fsr-3457	314	6	feltz	feltz	PROPN
fsr-3457	314	7	,	,	PUNCT
fsr-3457	314	8	a.	a.	PROPN
fsr-3457	314	9	,	,	PUNCT
fsr-3457	314	10	ghazal	ghazal	PROPN
fsr-3457	314	11	,	,	PUNCT
fsr-3457	314	12	s.	s.	PROPN
fsr-3457	314	13	,	,	PUNCT
fsr-3457	314	14	allan	allan	PROPN
fsr-3457	314	15	,	,	PUNCT
fsr-3457	314	16	j.	j.	PROPN
fsr-3457	314	17	n.	n.	PROPN
fsr-3457	314	18	,	,	PUNCT
fsr-3457	314	19	petrova	petrova	PROPN
fsr-3457	314	20	,	,	PUNCT
fsr-3457	314	21	d.	d.	PROPN
fsr-3457	314	22	,	,	PUNCT
fsr-3457	314	23	&	&	CCONJ
fsr-3457	314	24	garcia	garcia	PROPN
fsr-3457	314	25	-	-	PUNCT
fsr-3457	314	26	retamero	retamero	PROPN
fsr-3457	314	27	,	,	PUNCT
fsr-3457	314	28	r.	r.	PROPN
fsr-3457	314	29	(	(	PUNCT
fsr-3457	314	30	in	in	ADP
fsr-3457	314	31	press	press	NOUN
fsr-3457	314	32	)	)	PUNCT
fsr-3457	314	33	.	.	PUNCT
fsr-3457	315	1	decision	decision	NOUN
fsr-3457	315	2	making	make	VERB
fsr-3457	315	3	skill	skill	NOUN
fsr-3457	315	4	:	:	PUNCT
fsr-3457	315	5	from	from	ADP
fsr-3457	315	6	intelligence	intelligence	NOUN
fsr-3457	315	7	to	to	ADP
fsr-3457	315	8	numeracy	numeracy	NOUN
fsr-3457	315	9	and	and	CCONJ
fsr-3457	315	10	expertise	expertise	NOUN
fsr-3457	315	11	.	.	PUNCT
fsr-3457	316	1	in	in	ADP
fsr-3457	316	2	k.	k.	PROPN
fsr-3457	316	3	a.	a.	PROPN
fsr-3457	316	4	ericsson	ericsson	PROPN
fsr-3457	316	5	,	,	PUNCT
fsr-3457	316	6	r.	r.	PROPN
fsr-3457	316	7	r.	r.	PROPN
fsr-3457	316	8	hoffman	hoffman	PROPN
fsr-3457	316	9	,	,	PUNCT
fsr-3457	316	10	a.	a.	NOUN
fsr-3457	316	11	kozbelt	kozbelt	PROPN
fsr-3457	316	12	,	,	PUNCT
fsr-3457	316	13	&	&	CCONJ
fsr-3457	316	14	a.	a.	PROPN
fsr-3457	316	15	m.	m.	PROPN
fsr-3457	316	16	williams	williams	PROPN
fsr-3457	316	17	(	(	PUNCT
fsr-3457	316	18	eds	eds	PROPN
fsr-3457	316	19	.	.	PUNCT
fsr-3457	316	20	)	)	PUNCT
fsr-3457	316	21	,	,	PUNCT
fsr-3457	316	22	cambridge	cambridge	PROPN
fsr-3457	316	23	handbook	handbook	PROPN
fsr-3457	316	24	of	of	ADP
fsr-3457	316	25	expertise	expertise	NOUN
fsr-3457	316	26	and	and	CCONJ
fsr-3457	316	27	expert	expert	NOUN
fsr-3457	316	28	performance	performance	NOUN
fsr-3457	316	29	(	(	PUNCT
fsr-3457	316	30	2nd	2nd	ADJ
fsr-3457	316	31	ed	ed	NOUN
fsr-3457	316	32	.	.	PROPN
fsr-3457	316	33	,	,	PUNCT
fsr-3457	316	34	pp	pp	ADJ
fsr-3457	316	35	.	.	PUNCT
fsr-3457	317	1	476–505	476–505	NUM
fsr-3457	317	2	)	)	PUNCT
fsr-3457	317	3	.	.	PUNCT
fsr-3457	318	1	new	new	PROPN
fsr-3457	318	2	york	york	PROPN
fsr-3457	318	3	,	,	PUNCT
fsr-3457	318	4	ny	ny	PROPN
fsr-3457	318	5	:	:	PUNCT
fsr-3457	318	6	cambridge	cambridge	PROPN
fsr-3457	318	7	university	university	PROPN
fsr-3457	318	8	press	press	NOUN
fsr-3457	318	9	.	.	PUNCT
fsr-3457	319	1	available	available	ADJ
fsr-3457	319	2	at	at	ADP
fsr-3457	319	3	http://www.riskliteracy.org/files/1414/8312/0711/2016	http://www.riskliteracy.org/files/1414/8312/0711/2016	PROPN
fsr-3457	319	4	_	_	X
fsr-3457	320	1	cokely_et_al_decision_making_skill_camhandbook_final_pre-print.pdf	cokely_et_al_decision_making_skill_camhandbook_final_pre-print.pdf	PROPN
fsr-3457	320	2	cokely	cokely	PROPN
fsr-3457	320	3	,	,	PUNCT
fsr-3457	320	4	e.	e.	PROPN
fsr-3457	320	5	t.	t.	PROPN
fsr-3457	320	6	,	,	PUNCT
fsr-3457	320	7	galesic	galesic	ADJ
fsr-3457	320	8	,	,	PUNCT
fsr-3457	320	9	m.	m.	NOUN
fsr-3457	320	10	,	,	PUNCT
fsr-3457	320	11	schulz	schulz	PROPN
fsr-3457	320	12	,	,	PUNCT
fsr-3457	320	13	e.	e.	PROPN
fsr-3457	320	14	,	,	PUNCT
fsr-3457	320	15	ghazal	ghazal	PROPN
fsr-3457	320	16	,	,	PUNCT
fsr-3457	320	17	s.	s.	PROPN
fsr-3457	320	18	,	,	PUNCT
fsr-3457	320	19	&	&	CCONJ
fsr-3457	320	20	garcia	garcia	PROPN
fsr-3457	320	21	-	-	PUNCT
fsr-3457	320	22	retamero	retamero	PROPN
fsr-3457	320	23	,	,	PUNCT
fsr-3457	320	24	r.	r.	PROPN
fsr-3457	320	25	(	(	PUNCT
fsr-3457	320	26	2012	2012	NUM
fsr-3457	320	27	)	)	PUNCT
fsr-3457	320	28	.	.	PUNCT
fsr-3457	321	1	measuring	measure	VERB
fsr-3457	321	2	risk	risk	NOUN
fsr-3457	321	3	literacy	literacy	NOUN
fsr-3457	321	4	:	:	PUNCT
fsr-3457	321	5	the	the	DET
fsr-3457	321	6	berlin	berlin	PROPN
fsr-3457	321	7	numeracy	numeracy	PROPN
fsr-3457	321	8	test	test	NOUN
fsr-3457	321	9	.	.	PUNCT
fsr-3457	322	1	judgment	judgment	NOUN
fsr-3457	322	2	and	and	CCONJ
fsr-3457	322	3	decision	decision	NOUN
fsr-3457	322	4	making	making	NOUN
fsr-3457	322	5	,	,	PUNCT
fsr-3457	322	6	7	7	NUM
fsr-3457	322	7	,	,	PUNCT
fsr-3457	322	8	25	25	NUM
fsr-3457	322	9	.	.	PUNCT
fsr-3457	323	1	fitrianto	fitrianto	ADP
fsr-3457	323	2	,	,	PUNCT
fsr-3457	323	3	a.	a.	NOUN
fsr-3457	323	4	,	,	PUNCT
fsr-3457	323	5	&	&	CCONJ
fsr-3457	323	6	cing	cing	PROPN
fsr-3457	323	7	,	,	PUNCT
fsr-3457	323	8	n.	n.	NOUN
fsr-3457	323	9	m.	m.	NOUN
fsr-3457	323	10	(	(	PUNCT
fsr-3457	323	11	2014	2014	NUM
fsr-3457	323	12	)	)	PUNCT
fsr-3457	323	13	.	.	PUNCT
fsr-3457	324	1	empirical	empirical	ADJ
fsr-3457	324	2	distributions	distribution	NOUN
fsr-3457	324	3	of	of	ADP
fsr-3457	324	4	parameter	parameter	NOUN
fsr-3457	324	5	estimates	estimate	NOUN
fsr-3457	324	6	in	in	ADP
fsr-3457	324	7	binary	binary	ADJ
fsr-3457	324	8	logistic	logistic	ADJ
fsr-3457	324	9	regression	regression	NOUN
fsr-3457	324	10	using	use	VERB
fsr-3457	324	11	bootstrap	bootstrap	NOUN
fsr-3457	324	12	.	.	PUNCT
fsr-3457	325	1	international	international	ADJ
fsr-3457	325	2	journal	journal	PROPN
fsr-3457	325	3	of	of	ADP
fsr-3457	325	4	mathematical	mathematical	ADJ
fsr-3457	325	5	analysis	analysis	NOUN
fsr-3457	325	6	,	,	PUNCT
fsr-3457	325	7	8	8	NUM
fsr-3457	325	8	,	,	PUNCT
fsr-3457	325	9	721–726	721–726	NUM
fsr-3457	325	10	.	.	PUNCT
fsr-3457	326	1	fowler	fowler	PROPN
fsr-3457	326	2	jr	jr	PROPN
fsr-3457	326	3	,	,	PUNCT
fsr-3457	326	4	f.	f.	PROPN
fsr-3457	326	5	j.	j.	PROPN
fsr-3457	326	6	,	,	PUNCT
fsr-3457	326	7	&	&	CCONJ
fsr-3457	326	8	fowler	fowler	PROPN
fsr-3457	326	9	,	,	PUNCT
fsr-3457	326	10	f.	f.	PROPN
fsr-3457	326	11	j.	j.	PROPN
fsr-3457	326	12	(	(	PUNCT
fsr-3457	326	13	1995	1995	NUM
fsr-3457	326	14	)	)	PUNCT
fsr-3457	326	15	.	.	PUNCT
fsr-3457	327	1	improving	improve	VERB
fsr-3457	327	2	survey	survey	NOUN
fsr-3457	327	3	questions	question	NOUN
fsr-3457	327	4	:	:	PUNCT
fsr-3457	327	5	design	design	NOUN
fsr-3457	327	6	and	and	CCONJ
fsr-3457	327	7	evaluation	evaluation	NOUN
fsr-3457	327	8	.	.	PUNCT
fsr-3457	328	1	sage	sage	NOUN
fsr-3457	328	2	publishing	publishing	NOUN
fsr-3457	328	3	.	.	PUNCT
fsr-3457	329	1	thousand	thousand	NUM
fsr-3457	329	2	oaks	oak	NOUN
fsr-3457	329	3	,	,	PUNCT
fsr-3457	329	4	ca	ca	NOUN
fsr-3457	329	5	.	.	PUNCT
fsr-3457	330	1	galesic	galesic	ADJ
fsr-3457	330	2	,	,	PUNCT
fsr-3457	330	3	m.	m.	NOUN
fsr-3457	330	4	,	,	PUNCT
fsr-3457	330	5	&	&	CCONJ
fsr-3457	330	6	garcia	garcia	PROPN
fsr-3457	330	7	-	-	PUNCT
fsr-3457	330	8	retamero	retamero	PROPN
fsr-3457	330	9	,	,	PUNCT
fsr-3457	330	10	r.	r.	PROPN
fsr-3457	330	11	(	(	PUNCT
fsr-3457	330	12	2011	2011	NUM
fsr-3457	330	13	)	)	PUNCT
fsr-3457	330	14	.	.	PUNCT
fsr-3457	331	1	graph	graph	NOUN
fsr-3457	331	2	literacy	literacy	NOUN
fsr-3457	331	3	:	:	PUNCT
fsr-3457	331	4	a	a	DET
fsr-3457	331	5	cross	cross	ADJ
fsr-3457	331	6	-	-	ADJ
fsr-3457	331	7	cultural	cultural	ADJ
fsr-3457	331	8	comparison	comparison	NOUN
fsr-3457	331	9	.	.	PUNCT
fsr-3457	332	1	medical	medical	ADJ
fsr-3457	332	2	decision	decision	NOUN
fsr-3457	332	3	making	making	NOUN
fsr-3457	332	4	,	,	PUNCT
fsr-3457	332	5	31(3	31(3	NUM
fsr-3457	332	6	)	)	PUNCT
fsr-3457	332	7	,	,	PUNCT
fsr-3457	332	8	444–457	444–457	NUM
fsr-3457	332	9	.	.	PUNCT
fsr-3457	333	1	gamliel	gamliel	PROPN
fsr-3457	333	2	,	,	PUNCT
fsr-3457	333	3	e.	e.	PROPN
fsr-3457	333	4	,	,	PUNCT
fsr-3457	333	5	kreiner	kreiner	PROPN
fsr-3457	333	6	,	,	PUNCT
fsr-3457	333	7	h.	h.	PROPN
fsr-3457	333	8	,	,	PUNCT
fsr-3457	333	9	&	&	CCONJ
fsr-3457	333	10	garcia	garcia	PROPN
fsr-3457	333	11	-	-	PUNCT
fsr-3457	333	12	retamero	retamero	PROPN
fsr-3457	333	13	,	,	PUNCT
fsr-3457	333	14	r.	r.	PROPN
fsr-3457	333	15	(	(	PUNCT
fsr-3457	333	16	2016	2016	NUM
fsr-3457	333	17	)	)	PUNCT
fsr-3457	333	18	.	.	PUNCT
fsr-3457	334	1	the	the	DET
fsr-3457	334	2	moderating	moderate	VERB
fsr-3457	334	3	role	role	NOUN
fsr-3457	334	4	of	of	ADP
fsr-3457	334	5	objective	objective	ADJ
fsr-3457	334	6	and	and	CCONJ
fsr-3457	334	7	subjective	subjective	ADJ
fsr-3457	334	8	numeracy	numeracy	NOUN
fsr-3457	334	9	in	in	ADP
fsr-3457	334	10	attribute	attribute	NOUN
fsr-3457	334	11	framing	framing	NOUN
fsr-3457	334	12	.	.	PUNCT
fsr-3457	335	1	international	international	ADJ
fsr-3457	335	2	journal	journal	NOUN
fsr-3457	335	3	of	of	ADP
fsr-3457	335	4	psychology	psychology	NOUN
fsr-3457	335	5	:	:	PUNCT
fsr-3457	335	6	journal	journal	PROPN
fsr-3457	335	7	international	international	PROPN
fsr-3457	335	8	de	de	X
fsr-3457	335	9	psychologie	psychologie	PROPN
fsr-3457	335	10	,	,	PUNCT
fsr-3457	335	11	51	51	NUM
fsr-3457	335	12	,	,	PUNCT
fsr-3457	335	13	109–116	109–116	NUM
fsr-3457	335	14	.	.	PUNCT
fsr-3457	336	1	garcia	garcia	PROPN
fsr-3457	336	2	-	-	PUNCT
fsr-3457	336	3	retamero	retamero	PROPN
fsr-3457	336	4	,	,	PUNCT
fsr-3457	336	5	r.	r.	PROPN
fsr-3457	336	6	,	,	PUNCT
fsr-3457	336	7	cokely	cokely	PROPN
fsr-3457	336	8	,	,	PUNCT
fsr-3457	336	9	e.	e.	PROPN
fsr-3457	336	10	t.	t.	PROPN
fsr-3457	336	11	,	,	PUNCT
fsr-3457	336	12	wicki	wicki	PROPN
fsr-3457	336	13	,	,	PUNCT
fsr-3457	336	14	b.	b.	PROPN
fsr-3457	336	15	,	,	PUNCT
fsr-3457	336	16	&	&	CCONJ
fsr-3457	336	17	joeris	joeris	PROPN
fsr-3457	336	18	,	,	PUNCT
fsr-3457	336	19	a.	a.	NOUN
fsr-3457	336	20	(	(	PUNCT
fsr-3457	336	21	2016	2016	NUM
fsr-3457	336	22	)	)	PUNCT
fsr-3457	336	23	.	.	PUNCT
fsr-3457	337	1	improving	improve	VERB
fsr-3457	337	2	risk	risk	NOUN
fsr-3457	337	3	literacy	literacy	NOUN
fsr-3457	337	4	in	in	ADP
fsr-3457	337	5	surgeons	surgeon	NOUN
fsr-3457	337	6	.	.	PUNCT
fsr-3457	338	1	patient	patient	ADJ
fsr-3457	338	2	education	education	NOUN
fsr-3457	338	3	and	and	CCONJ
fsr-3457	338	4	counseling	counseling	NOUN
fsr-3457	338	5	,	,	PUNCT
fsr-3457	338	6	99	99	NUM
fsr-3457	338	7	,	,	PUNCT
fsr-3457	338	8	1156–1161	1156–1161	NUM
fsr-3457	338	9	.	.	PUNCT
fsr-3457	339	1	garcia	garcia	PROPN
fsr-3457	339	2	-	-	PUNCT
fsr-3457	339	3	retamero	retamero	PROPN
fsr-3457	339	4	,	,	PUNCT
fsr-3457	339	5	r.	r.	PROPN
fsr-3457	339	6	,	,	PUNCT
fsr-3457	339	7	&	&	CCONJ
fsr-3457	339	8	dhami	dhami	NOUN
fsr-3457	339	9	,	,	PUNCT
fsr-3457	339	10	m.	m.	PROPN
fsr-3457	339	11	k.	k.	PROPN
fsr-3457	339	12	(	(	PUNCT
fsr-3457	339	13	2013	2013	NUM
fsr-3457	339	14	)	)	PUNCT
fsr-3457	339	15	.	.	PUNCT
fsr-3457	340	1	on	on	ADP
fsr-3457	340	2	avoiding	avoid	VERB
fsr-3457	340	3	framing	frame	VERB
fsr-3457	340	4	effects	effect	NOUN
fsr-3457	340	5	in	in	ADP
fsr-3457	340	6	experienced	experienced	ADJ
fsr-3457	340	7	decision	decision	NOUN
fsr-3457	340	8	makers	maker	NOUN
fsr-3457	340	9	.	.	PUNCT
fsr-3457	341	1	quarterly	quarterly	ADJ
fsr-3457	341	2	journal	journal	NOUN
fsr-3457	341	3	of	of	ADP
fsr-3457	341	4	experimental	experimental	ADJ
fsr-3457	341	5	psychology	psychology	NOUN
fsr-3457	341	6	,	,	PUNCT
fsr-3457	341	7	66	66	NUM
fsr-3457	341	8	,	,	PUNCT
fsr-3457	341	9	829–842	829–842	NUM
fsr-3457	341	10	.	.	PUNCT
fsr-3457	342	1	garcia	garcia	PROPN
fsr-3457	342	2	-	-	PUNCT
fsr-3457	342	3	retamero	retamero	PROPN
fsr-3457	342	4	,	,	PUNCT
fsr-3457	342	5	r.	r.	PROPN
fsr-3457	342	6	,	,	PUNCT
fsr-3457	342	7	&	&	CCONJ
fsr-3457	342	8	galesic	galesic	ADJ
fsr-3457	342	9	,	,	PUNCT
fsr-3457	342	10	m.	m.	NOUN
fsr-3457	342	11	(	(	PUNCT
fsr-3457	342	12	2013	2013	NUM
fsr-3457	342	13	)	)	PUNCT
fsr-3457	342	14	.	.	PUNCT
fsr-3457	343	1	does	do	AUX
fsr-3457	343	2	young	young	ADJ
fsr-3457	343	3	adults	adult	NOUN
fsr-3457	343	4	’	'	PUNCT
fsr-3457	343	5	preferred	preferred	ADJ
fsr-3457	343	6	role	role	NOUN
fsr-3457	343	7	in	in	ADP
fsr-3457	343	8	decision	decision	NOUN
fsr-3457	343	9	making	make	VERB
fsr-3457	343	10	about	about	ADP
fsr-3457	343	11	health	health	NOUN
fsr-3457	343	12	,	,	PUNCT
fsr-3457	343	13	money	money	NOUN
fsr-3457	343	14	,	,	PUNCT
fsr-3457	343	15	and	and	CCONJ
fsr-3457	343	16	career	career	NOUN
fsr-3457	343	17	depend	depend	VERB
fsr-3457	343	18	on	on	ADP
fsr-3457	343	19	their	their	PRON
fsr-3457	343	20	advisors	advisor	NOUN
fsr-3457	343	21	’	'	PUNCT
fsr-3457	343	22	leadership	leadership	NOUN
fsr-3457	343	23	skills	skill	NOUN
fsr-3457	343	24	?	?	PUNCT
fsr-3457	344	1	international	international	ADJ
fsr-3457	344	2	journal	journal	NOUN
fsr-3457	344	3	of	of	ADP
fsr-3457	344	4	psychology	psychology	NOUN
fsr-3457	344	5	,	,	PUNCT
fsr-3457	344	6	48	48	NUM
fsr-3457	344	7	,	,	PUNCT
fsr-3457	344	8	492	492	NUM
fsr-3457	344	9	–	–	PUNCT
fsr-3457	344	10	501	501	NUM
fsr-3457	344	11	.	.	PUNCT
fsr-3457	345	1	garcia	garcia	PROPN
fsr-3457	345	2	-	-	PUNCT
fsr-3457	345	3	retamero	retamero	PROPN
fsr-3457	345	4	,	,	PUNCT
fsr-3457	345	5	r.	r.	PROPN
fsr-3457	345	6	,	,	PUNCT
fsr-3457	345	7	&	&	CCONJ
fsr-3457	345	8	galesic	galesic	ADJ
fsr-3457	345	9	,	,	PUNCT
fsr-3457	345	10	m.	m.	NOUN
fsr-3457	345	11	(	(	PUNCT
fsr-3457	345	12	2010	2010	NUM
fsr-3457	345	13	)	)	PUNCT
fsr-3457	345	14	.	.	PUNCT
fsr-3457	346	1	how	how	SCONJ
fsr-3457	346	2	to	to	PART
fsr-3457	346	3	reduce	reduce	VERB
fsr-3457	346	4	the	the	DET
fsr-3457	346	5	effect	effect	NOUN
fsr-3457	346	6	of	of	ADP
fsr-3457	346	7	framing	frame	VERB
fsr-3457	346	8	on	on	ADP
fsr-3457	346	9	messages	message	NOUN
fsr-3457	346	10	about	about	ADP
fsr-3457	346	11	health	health	NOUN
fsr-3457	346	12	.	.	PUNCT
fsr-3457	347	1	journal	journal	PROPN
fsr-3457	347	2	of	of	ADP
fsr-3457	347	3	general	general	ADJ
fsr-3457	347	4	internal	internal	ADJ
fsr-3457	347	5	medicine	medicine	NOUN
fsr-3457	347	6	,	,	PUNCT
fsr-3457	347	7	25	25	NUM
fsr-3457	347	8	,	,	PUNCT
fsr-3457	347	9	1323–1329	1323–1329	NUM
fsr-3457	347	10	.	.	PUNCT
fsr-3457	348	1	garcia	garcia	PROPN
fsr-3457	348	2	-	-	PUNCT
fsr-3457	348	3	retamero	retamero	PROPN
fsr-3457	348	4	,	,	PUNCT
fsr-3457	348	5	r.	r.	PROPN
fsr-3457	348	6	,	,	PUNCT
fsr-3457	348	7	wicki	wicki	PROPN
fsr-3457	348	8	,	,	PUNCT
fsr-3457	348	9	b.	b.	PROPN
fsr-3457	348	10	,	,	PUNCT
fsr-3457	348	11	cokely	cokely	PROPN
fsr-3457	348	12	,	,	PUNCT
fsr-3457	348	13	e.	e.	PROPN
fsr-3457	348	14	t.	t.	PROPN
fsr-3457	348	15	,	,	PUNCT
fsr-3457	348	16	&	&	CCONJ
fsr-3457	348	17	hanson	hanson	PROPN
fsr-3457	348	18	,	,	PUNCT
fsr-3457	348	19	b.	b.	PROPN
fsr-3457	348	20	(	(	PUNCT
fsr-3457	348	21	2014	2014	NUM
fsr-3457	348	22	)	)	PUNCT
fsr-3457	348	23	.	.	PUNCT
fsr-3457	349	1	factors	factor	NOUN
fsr-3457	349	2	predicting	predict	VERB
fsr-3457	349	3	surgeons	surgeon	NOUN
fsr-3457	349	4	’	'	PUNCT
fsr-3457	349	5	preferred	preferred	ADJ
fsr-3457	349	6	and	and	CCONJ
fsr-3457	349	7	actual	actual	ADJ
fsr-3457	349	8	roles	role	NOUN
fsr-3457	349	9	in	in	ADP
fsr-3457	349	10	interactions	interaction	NOUN
fsr-3457	349	11	with	with	ADP
fsr-3457	349	12	their	their	PRON
fsr-3457	349	13	patients	patient	NOUN
fsr-3457	349	14	.	.	PUNCT
fsr-3457	350	1	health	health	NOUN
fsr-3457	350	2	psychology	psychology	NOUN
fsr-3457	350	3	,	,	PUNCT
fsr-3457	350	4	33(8	33(8	NUM
fsr-3457	350	5	)	)	PUNCT
fsr-3457	350	6	,	,	PUNCT
fsr-3457	351	1	920	920	NUM
fsr-3457	351	2	.	.	PUNCT
fsr-3457	351	3	hegarty	hegarty	PROPN
fsr-3457	351	4	,	,	PUNCT
fsr-3457	351	5	m.	m.	NOUN
fsr-3457	351	6	,	,	PUNCT
fsr-3457	351	7	&	&	CCONJ
fsr-3457	351	8	kozhevnikov	kozhevnikov	PROPN
fsr-3457	351	9	,	,	PUNCT
fsr-3457	351	10	m.	m.	NOUN
fsr-3457	351	11	(	(	PUNCT
fsr-3457	351	12	1999	1999	NUM
fsr-3457	351	13	)	)	PUNCT
fsr-3457	351	14	.	.	PUNCT
fsr-3457	352	1	types	type	NOUN
fsr-3457	352	2	of	of	ADP
fsr-3457	352	3	visual	visual	ADJ
fsr-3457	352	4	-	-	PUNCT
fsr-3457	352	5	spatial	spatial	ADJ
fsr-3457	352	6	representations	representation	NOUN
fsr-3457	352	7	and	and	CCONJ
fsr-3457	352	8	mathematical	mathematical	ADJ
fsr-3457	352	9	problem	problem	NOUN
fsr-3457	352	10	solving	solving	NOUN
fsr-3457	352	11	.	.	PUNCT
fsr-3457	353	1	journal	journal	NOUN
fsr-3457	353	2	of	of	ADP
fsr-3457	353	3	educational	educational	ADJ
fsr-3457	353	4	psychology	psychology	NOUN
fsr-3457	353	5	,	,	PUNCT
fsr-3457	353	6	91	91	NUM
fsr-3457	353	7	,	,	PUNCT
fsr-3457	353	8	684–689	684–689	NUM
fsr-3457	353	9	.	.	PUNCT
fsr-3457	354	1	huston	huston	PROPN
fsr-3457	354	2	,	,	PUNCT
fsr-3457	354	3	s.	s.	PROPN
fsr-3457	354	4	j.	j.	PROPN
fsr-3457	354	5	(	(	PUNCT
fsr-3457	354	6	2010	2010	NUM
fsr-3457	354	7	)	)	PUNCT
fsr-3457	354	8	.	.	PUNCT
fsr-3457	355	1	measuring	measure	VERB
fsr-3457	355	2	financial	financial	ADJ
fsr-3457	355	3	literacy	literacy	NOUN
fsr-3457	355	4	.	.	PUNCT
fsr-3457	356	1	journal	journal	NOUN
fsr-3457	356	2	of	of	ADP
fsr-3457	356	3	consumer	consumer	NOUN
fsr-3457	356	4	affairs	affair	NOUN
fsr-3457	356	5	,	,	PUNCT
fsr-3457	356	6	44	44	NUM
fsr-3457	356	7	,	,	PUNCT
fsr-3457	356	8	296–316	296–316	NUM
fsr-3457	356	9	.	.	PUNCT
fsr-3457	357	1	klontz	klontz	PROPN
fsr-3457	357	2	,	,	PUNCT
fsr-3457	357	3	b.	b.	PROPN
fsr-3457	357	4	,	,	PUNCT
fsr-3457	357	5	kahler	kahler	PROPN
fsr-3457	357	6	,	,	PUNCT
fsr-3457	357	7	r.	r.	PROPN
fsr-3457	357	8	,	,	PUNCT
fsr-3457	357	9	&	&	CCONJ
fsr-3457	357	10	klontz	klontz	PROPN
fsr-3457	357	11	,	,	PUNCT
fsr-3457	357	12	t.	t.	PROPN
fsr-3457	357	13	(	(	PUNCT
fsr-3457	357	14	2016	2016	NUM
fsr-3457	357	15	)	)	PUNCT
fsr-3457	357	16	.	.	PUNCT
fsr-3457	358	1	facilitating	facilitate	VERB
fsr-3457	358	2	financial	financial	ADJ
fsr-3457	358	3	health	health	NOUN
fsr-3457	358	4	:	:	PUNCT
fsr-3457	358	5	tools	tool	NOUN
fsr-3457	358	6	for	for	ADP
fsr-3457	358	7	financial	financial	ADJ
fsr-3457	358	8	planners	planner	NOUN
fsr-3457	358	9	(	(	PUNCT
fsr-3457	358	10	2nd	2nd	PROPN
fsr-3457	358	11	edition	edition	NOUN
fsr-3457	358	12	)	)	PUNCT
fsr-3457	358	13	,	,	PUNCT
fsr-3457	358	14	coaches	coach	NOUN
fsr-3457	358	15	,	,	PUNCT
fsr-3457	358	16	and	and	CCONJ
fsr-3457	358	17	therapists	therapist	NOUN
fsr-3457	358	18	.	.	PUNCT
fsr-3457	359	1	national	national	ADJ
fsr-3457	359	2	underwriter	underwriter	NOUN
fsr-3457	359	3	company	company	NOUN
fsr-3457	359	4	.	.	PUNCT
fsr-3457	360	1	erlanger	erlanger	PROPN
fsr-3457	360	2	,	,	PUNCT
fsr-3457	360	3	ky	ky	PROPN
fsr-3457	360	4	.	.	PROPN
fsr-3457	361	1	224	224	NUM
fsr-3457	361	2	m.	m.	NOUN
fsr-3457	361	3	r.	r.	PROPN
fsr-3457	361	4	lurtz	lurtz	PROPN
fsr-3457	361	5	et	et	PROPN
fsr-3457	361	6	al	al	PROPN
fsr-3457	361	7	.	.	PUNCT
fsr-3457	361	8	/	/	SYM
fsr-3457	361	9	financial	financial	ADJ
fsr-3457	361	10	services	service	NOUN
fsr-3457	361	11	review	review	VERB
fsr-3457	361	12	29	29	NUM
fsr-3457	361	13	(	(	PUNCT
fsr-3457	361	14	2021	2021	NUM
fsr-3457	361	15	)	)	PUNCT
fsr-3457	362	1	209–225	209–225	NUM
fsr-3457	362	2	knaflic	knaflic	ADJ
fsr-3457	362	3	,	,	PUNCT
fsr-3457	362	4	c.	c.	PROPN
fsr-3457	362	5	(	(	PUNCT
fsr-3457	362	6	2015	2015	NUM
fsr-3457	362	7	)	)	PUNCT
fsr-3457	362	8	.	.	PUNCT
fsr-3457	363	1	storytelling	storytelle	VERB
fsr-3457	363	2	with	with	ADP
fsr-3457	363	3	data	datum	NOUN
fsr-3457	363	4	:	:	PUNCT
fsr-3457	363	5	a	a	DET
fsr-3457	363	6	data	data	NOUN
fsr-3457	363	7	visualization	visualization	NOUN
fsr-3457	363	8	guide	guide	NOUN
fsr-3457	363	9	for	for	ADP
fsr-3457	363	10	business	business	NOUN
fsr-3457	363	11	professionals.boken	professionals.boken	VERB
fsr-3457	363	12	:	:	PUNCT
fsr-3457	363	13	john	john	PROPN
fsr-3457	363	14	wiley	wiley	PROPN
fsr-3457	363	15	&	&	CCONJ
fsr-3457	363	16	sons	son	NOUN
fsr-3457	363	17	.	.	PUNCT
fsr-3457	364	1	hoboken	hoboken	PROPN
fsr-3457	364	2	,	,	PUNCT
fsr-3457	364	3	nj	nj	PROPN
fsr-3457	364	4	.	.	PUNCT
fsr-3457	365	1	kothakota	kothakota	PROPN
fsr-3457	365	2	,	,	PUNCT
fsr-3457	365	3	m.	m.	NOUN
fsr-3457	365	4	,	,	PUNCT
fsr-3457	365	5	&	&	CCONJ
fsr-3457	365	6	kiss	kiss	PROPN
fsr-3457	365	7	,	,	PUNCT
fsr-3457	365	8	d.	d.	PROPN
fsr-3457	365	9	e.	e.	PROPN
fsr-3457	365	10	(	(	PUNCT
fsr-3457	365	11	2020	2020	NUM
fsr-3457	365	12	)	)	PUNCT
fsr-3457	365	13	.	.	PUNCT
fsr-3457	366	1	use	use	NOUN
fsr-3457	366	2	of	of	ADP
fsr-3457	366	3	vizualization	vizualization	NOUN
fsr-3457	366	4	tools	tool	NOUN
fsr-3457	366	5	to	to	PART
fsr-3457	366	6	improve	improve	VERB
fsr-3457	366	7	financial	financial	ADJ
fsr-3457	366	8	knowledge	knowledge	NOUN
fsr-3457	366	9	:	:	PUNCT
fsr-3457	366	10	an	an	DET
fsr-3457	366	11	experimental	experimental	ADJ
fsr-3457	366	12	approach	approach	NOUN
fsr-3457	366	13	.	.	PUNCT
fsr-3457	367	1	journal	journal	NOUN
fsr-3457	367	2	of	of	ADP
fsr-3457	367	3	financial	financial	ADJ
fsr-3457	367	4	planning	planning	NOUN
fsr-3457	367	5	and	and	CCONJ
fsr-3457	367	6	counseling	counseling	NOUN
fsr-3457	367	7	,	,	PUNCT
fsr-3457	367	8	31(2	31(2	NUM
fsr-3457	367	9	)	)	PUNCT
fsr-3457	367	10	,	,	PUNCT
fsr-3457	367	11	193–208	193–208	NUM
fsr-3457	367	12	.	.	PUNCT
fsr-3457	368	1	låg	låg	PROPN
fsr-3457	368	2	,	,	PUNCT
fsr-3457	368	3	t.	t.	PROPN
fsr-3457	368	4	,	,	PUNCT
fsr-3457	368	5	bauger	bauger	NOUN
fsr-3457	368	6	,	,	PUNCT
fsr-3457	368	7	l.	l.	PROPN
fsr-3457	368	8	,	,	PUNCT
fsr-3457	368	9	lindberg	lindberg	PROPN
fsr-3457	368	10	,	,	PUNCT
fsr-3457	368	11	m.	m.	NOUN
fsr-3457	368	12	,	,	PUNCT
fsr-3457	368	13	&	&	CCONJ
fsr-3457	368	14	friborg	friborg	ADJ
fsr-3457	368	15	,	,	PUNCT
fsr-3457	368	16	o.	o.	PROPN
fsr-3457	368	17	(	(	PUNCT
fsr-3457	368	18	2014	2014	NUM
fsr-3457	368	19	)	)	PUNCT
fsr-3457	368	20	.	.	PUNCT
fsr-3457	369	1	the	the	DET
fsr-3457	369	2	role	role	NOUN
fsr-3457	369	3	of	of	ADP
fsr-3457	369	4	numeracy	numeracy	NOUN
fsr-3457	369	5	and	and	CCONJ
fsr-3457	369	6	intelligence	intelligence	NOUN
fsr-3457	369	7	in	in	ADP
fsr-3457	369	8	health	health	NOUN
fsr-3457	369	9	-	-	PUNCT
fsr-3457	369	10	risk	risk	NOUN
fsr-3457	369	11	estimation	estimation	NOUN
fsr-3457	369	12	and	and	CCONJ
fsr-3457	369	13	medical	medical	ADJ
fsr-3457	369	14	data	datum	NOUN
fsr-3457	369	15	interpretation	interpretation	NOUN
fsr-3457	369	16	.	.	PUNCT
fsr-3457	370	1	journal	journal	NOUN
fsr-3457	370	2	of	of	ADP
fsr-3457	370	3	behavioral	behavioral	ADJ
fsr-3457	370	4	decision	decision	NOUN
fsr-3457	370	5	making	making	NOUN
fsr-3457	370	6	,	,	PUNCT
fsr-3457	370	7	27	27	NUM
fsr-3457	370	8	,	,	PUNCT
fsr-3457	370	9	95–108	95–108	NUM
fsr-3457	370	10	.	.	PUNCT
fsr-3457	371	1	lurtz	lurtz	PROPN
fsr-3457	371	2	,	,	PUNCT
fsr-3457	371	3	m.	m.	NOUN
fsr-3457	371	4	,	,	PUNCT
fsr-3457	371	5	&	&	CCONJ
fsr-3457	371	6	heckman	heckman	PROPN
fsr-3457	371	7	,	,	PUNCT
fsr-3457	371	8	s.	s.	PROPN
fsr-3457	371	9	(	(	PUNCT
fsr-3457	371	10	2018	2018	NUM
fsr-3457	371	11	)	)	PUNCT
fsr-3457	371	12	.	.	PUNCT
fsr-3457	372	1	risk	risk	NOUN
fsr-3457	372	2	literacy	literacy	NOUN
fsr-3457	372	3	.	.	PUNCT
fsr-3457	373	1	in	in	ADP
fsr-3457	373	2	c.	c.	PROPN
fsr-3457	373	3	r.	r.	PROPN
fsr-3457	373	4	chaffin	chaffin	PROPN
fsr-3457	373	5	(	(	PUNCT
fsr-3457	373	6	ed	ed	NOUN
fsr-3457	373	7	.	.	PUNCT
fsr-3457	373	8	)	)	PUNCT
fsr-3457	373	9	.	.	PUNCT
fsr-3457	374	1	financial	financial	ADJ
fsr-3457	374	2	psychology	psychology	NOUN
fsr-3457	374	3	(	(	PUNCT
fsr-3457	374	4	pp	pp	ADJ
fsr-3457	374	5	.	.	PUNCT
fsr-3457	375	1	155–165	155–165	NUM
fsr-3457	375	2	)	)	PUNCT
fsr-3457	375	3	.	.	PUNCT
fsr-3457	376	1	hoboken	hoboken	PROPN
fsr-3457	376	2	,	,	PUNCT
fsr-3457	376	3	nj	nj	PROPN
fsr-3457	376	4	:	:	PUNCT
fsr-3457	376	5	john	john	PROPN
fsr-3457	376	6	wiley	wiley	PROPN
fsr-3457	376	7	&	&	CCONJ
fsr-3457	376	8	sons	sons	PROPN
fsr-3457	376	9	,	,	PUNCT
fsr-3457	376	10	inc	inc	PROPN
fsr-3457	376	11	.	.	PROPN
fsr-3457	376	12	okan	okan	PROPN
fsr-3457	376	13	,	,	PUNCT
fsr-3457	376	14	y.	y.	PROPN
fsr-3457	376	15	,	,	PUNCT
fsr-3457	376	16	galesic	galesic	ADJ
fsr-3457	376	17	,	,	PUNCT
fsr-3457	376	18	m.	m.	NOUN
fsr-3457	376	19	,	,	PUNCT
fsr-3457	376	20	&	&	CCONJ
fsr-3457	376	21	garcia	garcia	PROPN
fsr-3457	376	22	-	-	PUNCT
fsr-3457	376	23	retamero	retamero	PROPN
fsr-3457	376	24	,	,	PUNCT
fsr-3457	376	25	r.	r.	PROPN
fsr-3457	376	26	(	(	PUNCT
fsr-3457	376	27	2016	2016	NUM
fsr-3457	376	28	)	)	PUNCT
fsr-3457	376	29	.	.	PUNCT
fsr-3457	377	1	how	how	SCONJ
fsr-3457	377	2	people	people	NOUN
fsr-3457	377	3	with	with	ADP
fsr-3457	377	4	low	low	ADJ
fsr-3457	377	5	and	and	CCONJ
fsr-3457	377	6	high	high	ADJ
fsr-3457	377	7	graph	graph	NOUN
fsr-3457	377	8	literacy	literacy	NOUN
fsr-3457	377	9	process	process	NOUN
fsr-3457	377	10	health	health	NOUN
fsr-3457	377	11	graphs	graph	NOUN
fsr-3457	377	12	:	:	PUNCT
fsr-3457	377	13	evidence	evidence	NOUN
fsr-3457	377	14	from	from	ADP
fsr-3457	377	15	eye	eye	NOUN
fsr-3457	377	16	-	-	PUNCT
fsr-3457	377	17	tracking	tracking	NOUN
fsr-3457	377	18	.	.	PUNCT
fsr-3457	378	1	journal	journal	NOUN
fsr-3457	378	2	of	of	ADP
fsr-3457	378	3	behavioral	behavioral	ADJ
fsr-3457	378	4	decision	decision	NOUN
fsr-3457	378	5	making	making	NOUN
fsr-3457	378	6	,	,	PUNCT
fsr-3457	378	7	29	29	NUM
fsr-3457	378	8	,	,	PUNCT
fsr-3457	378	9	271–294	271–294	NUM
fsr-3457	378	10	.	.	PUNCT
fsr-3457	379	1	petrova	petrova	PROPN
fsr-3457	379	2	,	,	PUNCT
fsr-3457	379	3	d.	d.	PROPN
fsr-3457	379	4	g.	g.	PROPN
fsr-3457	379	5	,	,	PUNCT
fsr-3457	379	6	van	van	PROPN
fsr-3457	379	7	der	der	PROPN
fsr-3457	379	8	pligt	pligt	PROPN
fsr-3457	379	9	,	,	PUNCT
fsr-3457	379	10	j.	j.	PROPN
fsr-3457	379	11	,	,	PUNCT
fsr-3457	379	12	&	&	CCONJ
fsr-3457	379	13	garcia	garcia	PROPN
fsr-3457	379	14	-	-	PUNCT
fsr-3457	379	15	retamero	retamero	PROPN
fsr-3457	379	16	,	,	PUNCT
fsr-3457	379	17	r.	r.	PROPN
fsr-3457	379	18	(	(	PUNCT
fsr-3457	379	19	2014	2014	NUM
fsr-3457	379	20	)	)	PUNCT
fsr-3457	379	21	.	.	PUNCT
fsr-3457	380	1	feeling	feel	VERB
fsr-3457	380	2	the	the	DET
fsr-3457	380	3	numbers	number	NOUN
fsr-3457	380	4	:	:	PUNCT
fsr-3457	380	5	on	on	ADP
fsr-3457	380	6	the	the	DET
fsr-3457	380	7	interplay	interplay	NOUN
fsr-3457	380	8	between	between	ADP
fsr-3457	380	9	risk	risk	NOUN
fsr-3457	380	10	,	,	PUNCT
fsr-3457	380	11	affect	affect	VERB
fsr-3457	380	12	,	,	PUNCT
fsr-3457	380	13	and	and	CCONJ
fsr-3457	380	14	numeracy	numeracy	NOUN
fsr-3457	380	15	.	.	PUNCT
fsr-3457	381	1	journal	journal	NOUN
fsr-3457	381	2	of	of	ADP
fsr-3457	381	3	behavioral	behavioral	ADJ
fsr-3457	381	4	decision	decision	NOUN
fsr-3457	381	5	making	making	NOUN
fsr-3457	381	6	,	,	PUNCT
fsr-3457	381	7	27	27	NUM
fsr-3457	381	8	,	,	PUNCT
fsr-3457	381	9	191–199	191–199	NUM
fsr-3457	381	10	.	.	PUNCT
fsr-3457	382	1	rodriguez	rodriguez	PROPN
fsr-3457	382	2	,	,	PUNCT
fsr-3457	382	3	j.	j.	PROPN
fsr-3457	382	4	,	,	PUNCT
fsr-3457	382	5	&	&	CCONJ
fsr-3457	382	6	kaczmarek	kaczmarek	PROPN
fsr-3457	382	7	,	,	PUNCT
fsr-3457	382	8	p.	p.	NOUN
fsr-3457	382	9	(	(	PUNCT
fsr-3457	382	10	2016	2016	NUM
fsr-3457	382	11	)	)	PUNCT
fsr-3457	382	12	.	.	PUNCT
fsr-3457	383	1	visualizing	visualize	VERB
fsr-3457	383	2	financial	financial	ADJ
fsr-3457	383	3	data	datum	NOUN
fsr-3457	383	4	.	.	PUNCT
fsr-3457	384	1	john	john	PROPN
fsr-3457	384	2	wiley	wiley	PROPN
fsr-3457	384	3	&	&	CCONJ
fsr-3457	384	4	sons	son	NOUN
fsr-3457	384	5	.	.	PUNCT
fsr-3457	385	1	hoboken	hoboken	PROPN
fsr-3457	385	2	,	,	PUNCT
fsr-3457	385	3	nj	nj	PROPN
fsr-3457	385	4	.	.	PROPN
fsr-3457	385	5	roszkowski	roszkowski	PROPN
fsr-3457	385	6	,	,	PUNCT
fsr-3457	385	7	m.	m.	NOUN
fsr-3457	385	8	j.	j.	PROPN
fsr-3457	385	9	,	,	PUNCT
fsr-3457	385	10	&	&	CCONJ
fsr-3457	385	11	davey	davey	NOUN
fsr-3457	385	12	,	,	PUNCT
fsr-3457	385	13	g.	g.	PROPN
fsr-3457	385	14	(	(	PUNCT
fsr-3457	385	15	2010	2010	NUM
fsr-3457	385	16	)	)	PUNCT
fsr-3457	385	17	.	.	PUNCT
fsr-3457	386	1	risk	risk	NOUN
fsr-3457	386	2	perception	perception	NOUN
fsr-3457	386	3	and	and	CCONJ
fsr-3457	386	4	risk	risk	NOUN
fsr-3457	386	5	tolerance	tolerance	NOUN
fsr-3457	386	6	changes	change	VERB
fsr-3457	386	7	attributable	attributable	ADJ
fsr-3457	386	8	to	to	ADP
fsr-3457	386	9	the	the	DET
fsr-3457	386	10	2008	2008	NUM
fsr-3457	386	11	economic	economic	ADJ
fsr-3457	386	12	crisis	crisis	NOUN
fsr-3457	386	13	:	:	PUNCT
fsr-3457	386	14	a	a	DET
fsr-3457	386	15	subtle	subtle	ADJ
fsr-3457	386	16	but	but	CCONJ
fsr-3457	386	17	critical	critical	ADJ
fsr-3457	386	18	difference	difference	NOUN
fsr-3457	386	19	.	.	PUNCT
fsr-3457	387	1	journal	journal	NOUN
fsr-3457	387	2	of	of	ADP
fsr-3457	387	3	financial	financial	ADJ
fsr-3457	387	4	service	service	NOUN
fsr-3457	387	5	professionals	professional	NOUN
fsr-3457	387	6	,	,	PUNCT
fsr-3457	387	7	64(4	64(4	NOUN
fsr-3457	387	8	)	)	PUNCT
fsr-3457	387	9	,	,	PUNCT
fsr-3457	387	10	42–53	42–53	NUM
fsr-3457	387	11	.	.	PUNCT
fsr-3457	388	1	rouillier	rouillier	ADV
fsr-3457	388	2	,	,	PUNCT
fsr-3457	388	3	p.	p.	NOUN
fsr-3457	388	4	(	(	PUNCT
fsr-3457	388	5	2011	2011	NUM
fsr-3457	388	6	)	)	PUNCT
fsr-3457	388	7	.	.	PUNCT
fsr-3457	389	1	mind	mind	PROPN
fsr-3457	389	2	mapping	mapping	NOUN
fsr-3457	389	3	:	:	PUNCT
fsr-3457	389	4	visualize	visualize	VERB
fsr-3457	389	5	money	money	NOUN
fsr-3457	389	6	in	in	ADP
fsr-3457	389	7	motion	motion	NOUN
fsr-3457	389	8	.	.	PUNCT
fsr-3457	390	1	journal	journal	NOUN
fsr-3457	390	2	of	of	ADP
fsr-3457	390	3	financial	financial	ADJ
fsr-3457	390	4	planning	planning	NOUN
fsr-3457	390	5	,	,	PUNCT
fsr-3457	390	6	may	may	PROPN
fsr-3457	390	7	/	/	SYM
fsr-3457	390	8	june	june	PROPN
fsr-3457	390	9	,	,	PUNCT
fsr-3457	390	10	20–21	20–21	NUM
fsr-3457	390	11	.	.	PUNCT
fsr-3457	391	1	rudolph	rudolph	PROPN
fsr-3457	391	2	,	,	PUNCT
fsr-3457	391	3	s.	s.	PROPN
fsr-3457	391	4	,	,	PUNCT
fsr-3457	391	5	savikhin	savikhin	PROPN
fsr-3457	391	6	,	,	PUNCT
fsr-3457	391	7	a.	a.	NOUN
fsr-3457	391	8	,	,	PUNCT
fsr-3457	391	9	&	&	CCONJ
fsr-3457	391	10	ebert	ebert	PROPN
fsr-3457	391	11	,	,	PUNCT
fsr-3457	391	12	d.	d.	PROPN
fsr-3457	391	13	s.	s.	PROPN
fsr-3457	391	14	(	(	PUNCT
fsr-3457	391	15	2009	2009	NUM
fsr-3457	391	16	)	)	PUNCT
fsr-3457	391	17	.	.	PUNCT
fsr-3457	392	1	finvis	finvis	PROPN
fsr-3457	392	2	:	:	PUNCT
fsr-3457	392	3	applied	apply	VERB
fsr-3457	392	4	visual	visual	ADJ
fsr-3457	392	5	analytics	analytic	NOUN
fsr-3457	392	6	for	for	ADP
fsr-3457	392	7	personal	personal	ADJ
fsr-3457	392	8	financial	financial	ADJ
fsr-3457	392	9	planning	planning	NOUN
fsr-3457	392	10	.	.	PUNCT
fsr-3457	393	1	2009	2009	NUM
fsr-3457	393	2	ieee	ieee	NOUN
fsr-3457	393	3	symposium	symposium	NOUN
fsr-3457	393	4	on	on	ADP
fsr-3457	393	5	visual	visual	ADJ
fsr-3457	393	6	analytics	analytic	NOUN
fsr-3457	393	7	science	science	NOUN
fsr-3457	393	8	and	and	CCONJ
fsr-3457	393	9	technology	technology	NOUN
fsr-3457	393	10	,	,	PUNCT
fsr-3457	393	11	atlantic	atlantic	PROPN
fsr-3457	393	12	city	city	PROPN
fsr-3457	393	13	,	,	PUNCT
fsr-3457	393	14	nj	nj	PROPN
fsr-3457	393	15	.	.	PUNCT
fsr-3457	393	16	shah	shah	PROPN
fsr-3457	393	17	,	,	PUNCT
fsr-3457	393	18	p.	p.	PROPN
fsr-3457	393	19	,	,	PUNCT
fsr-3457	393	20	&	&	CCONJ
fsr-3457	393	21	freedman	freedman	PROPN
fsr-3457	393	22	,	,	PUNCT
fsr-3457	393	23	e.	e.	PROPN
fsr-3457	393	24	g.	g.	PROPN
fsr-3457	393	25	(	(	PUNCT
fsr-3457	393	26	2011	2011	NUM
fsr-3457	393	27	)	)	PUNCT
fsr-3457	393	28	.	.	PUNCT
fsr-3457	394	1	bar	bar	NOUN
fsr-3457	394	2	and	and	CCONJ
fsr-3457	394	3	line	line	NOUN
fsr-3457	394	4	graph	graph	NOUN
fsr-3457	394	5	comprehension	comprehension	NOUN
fsr-3457	394	6	:	:	PUNCT
fsr-3457	394	7	an	an	DET
fsr-3457	394	8	interaction	interaction	NOUN
fsr-3457	394	9	of	of	ADP
fsr-3457	394	10	top	top	ADJ
fsr-3457	394	11	-	-	PUNCT
fsr-3457	394	12	down	down	NOUN
fsr-3457	394	13	and	and	CCONJ
fsr-3457	394	14	bottomup	bottomup	VERB
fsr-3457	394	15	processes	process	NOUN
fsr-3457	394	16	.	.	PUNCT
fsr-3457	395	1	topics	topic	NOUN
fsr-3457	395	2	in	in	ADP
fsr-3457	395	3	cognitive	cognitive	ADJ
fsr-3457	395	4	science	science	NOUN
fsr-3457	395	5	,	,	PUNCT
fsr-3457	395	6	3	3	NUM
fsr-3457	395	7	,	,	PUNCT
fsr-3457	395	8	560–578	560–578	NUM
fsr-3457	395	9	.	.	PUNCT
fsr-3457	396	1	schwartz	schwartz	PROPN
fsr-3457	396	2	,	,	PUNCT
fsr-3457	396	3	l.	l.	PROPN
fsr-3457	396	4	m.	m.	PROPN
fsr-3457	396	5	,	,	PUNCT
fsr-3457	396	6	woloshin	woloshin	PROPN
fsr-3457	396	7	,	,	PUNCT
fsr-3457	396	8	s.	s.	PROPN
fsr-3457	396	9	,	,	PUNCT
fsr-3457	396	10	black	black	PROPN
fsr-3457	396	11	,	,	PUNCT
fsr-3457	396	12	w.	w.	PROPN
fsr-3457	396	13	c.	c.	PROPN
fsr-3457	396	14	,	,	PUNCT
fsr-3457	396	15	&	&	CCONJ
fsr-3457	396	16	welch	welch	PROPN
fsr-3457	396	17	,	,	PUNCT
fsr-3457	396	18	h.	h.	PROPN
fsr-3457	396	19	g.	g.	PROPN
fsr-3457	396	20	(	(	PUNCT
fsr-3457	396	21	1997	1997	NUM
fsr-3457	396	22	)	)	PUNCT
fsr-3457	396	23	.	.	PUNCT
fsr-3457	397	1	the	the	DET
fsr-3457	397	2	role	role	NOUN
fsr-3457	397	3	of	of	ADP
fsr-3457	397	4	numeracy	numeracy	NOUN
fsr-3457	397	5	in	in	ADP
fsr-3457	397	6	understanding	understand	VERB
fsr-3457	397	7	the	the	DET
fsr-3457	397	8	benefit	benefit	NOUN
fsr-3457	397	9	of	of	ADP
fsr-3457	397	10	screening	screen	VERB
fsr-3457	397	11	mammography	mammography	NOUN
fsr-3457	397	12	.	.	PUNCT
fsr-3457	398	1	annals	annal	NOUN
fsr-3457	398	2	of	of	ADP
fsr-3457	398	3	internal	internal	ADJ
fsr-3457	398	4	medicine	medicine	NOUN
fsr-3457	398	5	,	,	PUNCT
fsr-3457	398	6	127(11	127(11	NUM
fsr-3457	398	7	)	)	PUNCT
fsr-3457	398	8	,	,	PUNCT
fsr-3457	398	9	966–972	966–972	NUM
fsr-3457	398	10	.	.	PUNCT
fsr-3457	399	1	taleb	taleb	PROPN
fsr-3457	399	2	,	,	PUNCT
fsr-3457	399	3	n.	n.	PROPN
fsr-3457	399	4	n.	n.	PROPN
fsr-3457	399	5	(	(	PUNCT
fsr-3457	399	6	2004	2004	NUM
fsr-3457	399	7	)	)	PUNCT
fsr-3457	399	8	.	.	PUNCT
fsr-3457	400	1	bleed	bleed	NOUN
fsr-3457	400	2	or	or	CCONJ
fsr-3457	400	3	blowup	blowup	ADJ
fsr-3457	400	4	?	?	PUNCT
fsr-3457	401	1	why	why	SCONJ
fsr-3457	401	2	do	do	AUX
fsr-3457	401	3	we	we	PRON
fsr-3457	401	4	prefer	prefer	VERB
fsr-3457	401	5	asymmetric	asymmetric	ADJ
fsr-3457	401	6	payoffs	payoff	NOUN
fsr-3457	401	7	?	?	PUNCT
fsr-3457	401	8	.	.	PUNCT
fsr-3457	402	1	the	the	DET
fsr-3457	402	2	journal	journal	NOUN
fsr-3457	402	3	of	of	ADP
fsr-3457	402	4	behavioral	behavioral	ADJ
fsr-3457	402	5	finance	finance	NOUN
fsr-3457	402	6	,	,	PUNCT
fsr-3457	402	7	5(1	5(1	NUM
fsr-3457	402	8	)	)	PUNCT
fsr-3457	402	9	,	,	PUNCT
fsr-3457	402	10	2–7	2–7	X
fsr-3457	402	11	.	.	PUNCT
fsr-3457	402	12	tharp	tharp	PROPN
fsr-3457	402	13	,	,	PUNCT
fsr-3457	402	14	d.	d.	PROPN
fsr-3457	402	15	t.	t.	PROPN
fsr-3457	402	16	,	,	PUNCT
fsr-3457	402	17	lurtz	lurtz	PROPN
fsr-3457	402	18	,	,	PUNCT
fsr-3457	402	19	m.	m.	NOUN
fsr-3457	402	20	,	,	PUNCT
fsr-3457	402	21	mielitz	mielitz	PROPN
fsr-3457	402	22	,	,	PUNCT
fsr-3457	402	23	k.	k.	PROPN
fsr-3457	402	24	,	,	PUNCT
fsr-3457	402	25	kitces	kitce	NOUN
fsr-3457	402	26	,	,	PUNCT
fsr-3457	402	27	m.	m.	NOUN
fsr-3457	402	28	,	,	PUNCT
fsr-3457	402	29	&	&	CCONJ
fsr-3457	402	30	ammerman	ammerman	PROPN
fsr-3457	402	31	,	,	PUNCT
fsr-3457	402	32	d.	d.	PROPN
fsr-3457	402	33	a.	a.	PROPN
fsr-3457	402	34	(	(	PUNCT
fsr-3457	402	35	in	in	ADP
fsr-3457	402	36	press	press	NOUN
fsr-3457	402	37	)	)	PUNCT
fsr-3457	402	38	.	.	PUNCT
fsr-3457	403	1	technology	technology	NOUN
fsr-3457	403	2	use	use	NOUN
fsr-3457	403	3	and	and	CCONJ
fsr-3457	403	4	time	time	NOUN
fsr-3457	403	5	spent	spend	VERB
fsr-3457	403	6	in	in	ADP
fsr-3457	403	7	the	the	DET
fsr-3457	403	8	financial	financial	ADJ
fsr-3457	403	9	planning	planning	NOUN
fsr-3457	403	10	process	process	NOUN
fsr-3457	403	11	.	.	PUNCT
fsr-3457	404	1	journal	journal	NOUN
fsr-3457	404	2	of	of	ADP
fsr-3457	404	3	financial	financial	ADJ
fsr-3457	404	4	counseling	counseling	NOUN
fsr-3457	404	5	and	and	CCONJ
fsr-3457	404	6	planning	planning	NOUN
fsr-3457	404	7	.	.	PUNCT
fsr-3457	405	1	tosto	tosto	NOUN
fsr-3457	405	2	,	,	PUNCT
fsr-3457	405	3	m.	m.	NOUN
fsr-3457	405	4	g.	g.	PROPN
fsr-3457	405	5	,	,	PUNCT
fsr-3457	405	6	hanscombe	hanscombe	NOUN
fsr-3457	405	7	,	,	PUNCT
fsr-3457	405	8	k.	k.	PROPN
fsr-3457	405	9	b.	b.	PROPN
fsr-3457	405	10	,	,	PUNCT
fsr-3457	405	11	haworth	haworth	PROPN
fsr-3457	405	12	,	,	PUNCT
fsr-3457	405	13	c.	c.	PROPN
fsr-3457	405	14	m.	m.	PROPN
fsr-3457	405	15	,	,	PUNCT
fsr-3457	405	16	davis	davis	PROPN
fsr-3457	405	17	,	,	PUNCT
fsr-3457	405	18	o.	o.	PROPN
fsr-3457	405	19	,	,	PUNCT
fsr-3457	405	20	petrill	petrill	NOUN
fsr-3457	405	21	,	,	PUNCT
fsr-3457	405	22	s.	s.	PROPN
fsr-3457	405	23	,	,	PUNCT
fsr-3457	405	24	dale	dale	PROPN
fsr-3457	405	25	,	,	PUNCT
fsr-3457	405	26	p.	p.	PROPN
fsr-3457	405	27	,	,	PUNCT
fsr-3457	405	28	malykh	malykh	PROPN
fsr-3457	405	29	,	,	PUNCT
fsr-3457	405	30	s.	s.	PROPN
fsr-3457	405	31	,	,	PUNCT
fsr-3457	405	32	plomin	plomin	NOUN
fsr-3457	405	33	,	,	PUNCT
fsr-3457	405	34	r.	r.	PROPN
fsr-3457	405	35	,	,	PUNCT
fsr-3457	405	36	&	&	CCONJ
fsr-3457	405	37	kovas	kovas	PROPN
fsr-3457	405	38	,	,	PUNCT
fsr-3457	405	39	y.	y.	PROPN
fsr-3457	405	40	(	(	PUNCT
fsr-3457	405	41	2014	2014	NUM
fsr-3457	405	42	)	)	PUNCT
fsr-3457	405	43	.	.	PUNCT
fsr-3457	406	1	why	why	SCONJ
fsr-3457	406	2	do	do	AUX
fsr-3457	406	3	spatial	spatial	ADJ
fsr-3457	406	4	abilities	ability	NOUN
fsr-3457	406	5	predict	predict	VERB
fsr-3457	406	6	mathematical	mathematical	ADJ
fsr-3457	406	7	performance	performance	NOUN
fsr-3457	406	8	?	?	PUNCT
fsr-3457	407	1	developmental	developmental	ADJ
fsr-3457	407	2	science	science	NOUN
fsr-3457	407	3	,	,	PUNCT
fsr-3457	407	4	17	17	NUM
fsr-3457	407	5	,	,	PUNCT
fsr-3457	407	6	462–470	462–470	NUM
fsr-3457	407	7	.	.	PUNCT
fsr-3457	408	1	van	van	PROPN
fsr-3457	408	2	zutphen	zutphen	PROPN
fsr-3457	408	3	,	,	PUNCT
fsr-3457	408	4	n.	n.	PROPN
fsr-3457	408	5	(	(	PUNCT
fsr-3457	408	6	2010	2010	NUM
fsr-3457	408	7	)	)	PUNCT
fsr-3457	408	8	.	.	PUNCT
fsr-3457	409	1	a	a	DET
fsr-3457	409	2	visual	visual	ADJ
fsr-3457	409	3	aid	aid	NOUN
fsr-3457	409	4	for	for	ADP
fsr-3457	409	5	successful	successful	ADJ
fsr-3457	409	6	financial	financial	ADJ
fsr-3457	409	7	planning	planning	NOUN
fsr-3457	409	8	:	:	PUNCT
fsr-3457	409	9	the	the	DET
fsr-3457	409	10	happiness	happiness	NOUN
fsr-3457	409	11	risk	risk	NOUN
fsr-3457	409	12	/	/	SYM
fsr-3457	409	13	reward	reward	NOUN
fsr-3457	409	14	pyramid	pyramid	NOUN
fsr-3457	409	15	.	.	PUNCT
fsr-3457	410	1	journal	journal	PROPN
fsr-3457	410	2	of	of	ADP
fsr-3457	410	3	financial	financial	ADJ
fsr-3457	410	4	planning	planning	NOUN
fsr-3457	410	5	,	,	PUNCT
fsr-3457	410	6	23	23	NUM
fsr-3457	410	7	,	,	PUNCT
fsr-3457	410	8	54–57	54–57	NUM
fsr-3457	410	9	.	.	PUNCT
fsr-3457	411	1	wickham	wickham	PROPN
fsr-3457	411	2	,	,	PUNCT
fsr-3457	411	3	h.	h.	PROPN
fsr-3457	411	4	(	(	PUNCT
fsr-3457	411	5	2018	2018	NUM
fsr-3457	411	6	)	)	PUNCT
fsr-3457	411	7	.	.	PUNCT
fsr-3457	412	1	the	the	DET
fsr-3457	412	2	tidyverse	tidyverse	ADJ
fsr-3457	412	3	.	.	PUNCT
fsr-3457	413	1	r	r	NOUN
fsr-3457	413	2	package	package	NOUN
fsr-3457	413	3	ver	ver	NOUN
fsr-3457	413	4	,	,	PUNCT
fsr-3457	413	5	1(1	1(1	NUM
fsr-3457	413	6	)	)	PUNCT
fsr-3457	413	7	,	,	PUNCT
fsr-3457	413	8	836	836	NUM
fsr-3457	413	9	.	.	PUNCT
fsr-3457	414	1	m.	m.	PROPN
fsr-3457	414	2	r.	r.	PROPN
fsr-3457	414	3	lurtz	lurtz	PROPN
fsr-3457	414	4	et	et	PROPN
fsr-3457	414	5	al	al	PROPN
fsr-3457	414	6	.	.	PUNCT
fsr-3457	414	7	/	/	SYM
fsr-3457	414	8	financial	financial	ADJ
fsr-3457	414	9	services	service	NOUN
fsr-3457	414	10	review	review	VERB
fsr-3457	414	11	29	29	NUM
fsr-3457	414	12	(	(	PUNCT
fsr-3457	414	13	2021	2021	NUM
fsr-3457	414	14	)	)	PUNCT
fsr-3457	415	1	209–225	209–225	NUM
fsr-3457	415	2	225	225	NUM