id	sid	tid	token	lemma	pos
fsr-3461	1	1	from	from	ADP
fsr-3461	1	2	the	the	DET
fsr-3461	1	3	editor	editor	NOUN
fsr-3461	1	4	this	this	DET
fsr-3461	1	5	issue	issue	NOUN
fsr-3461	1	6	contains	contain	VERB
fsr-3461	1	7	volume	volume	NOUN
fsr-3461	1	8	29	29	NUM
fsr-3461	1	9	issue	issue	NOUN
fsr-3461	1	10	4	4	NUM
fsr-3461	1	11	of	of	ADP
fsr-3461	1	12	financial	financial	ADJ
fsr-3461	1	13	services	service	NOUN
fsr-3461	1	14	review	review	NOUN
fsr-3461	1	15	(	(	PUNCT
fsr-3461	1	16	fsr	fsr	PROPN
fsr-3461	1	17	)	)	PUNCT
fsr-3461	1	18	.	.	PUNCT
fsr-3461	2	1	i	i	PRON
fsr-3461	2	2	would	would	AUX
fsr-3461	2	3	like	like	VERB
fsr-3461	2	4	to	to	PART
fsr-3461	2	5	thank	thank	VERB
fsr-3461	2	6	the	the	DET
fsr-3461	2	7	board	board	NOUN
fsr-3461	2	8	and	and	CCONJ
fsr-3461	2	9	members	member	NOUN
fsr-3461	2	10	of	of	ADP
fsr-3461	2	11	the	the	DET
fsr-3461	2	12	academy	academy	NOUN
fsr-3461	2	13	of	of	ADP
fsr-3461	2	14	financial	financial	ADJ
fsr-3461	2	15	services	service	NOUN
fsr-3461	2	16	for	for	ADP
fsr-3461	2	17	their	their	PRON
fsr-3461	2	18	continued	continue	VERB
fsr-3461	2	19	support	support	NOUN
fsr-3461	2	20	.	.	PUNCT
fsr-3461	3	1	i	i	PRON
fsr-3461	3	2	continue	continue	VERB
fsr-3461	3	3	to	to	PART
fsr-3461	3	4	work	work	VERB
fsr-3461	3	5	in	in	ADP
fsr-3461	3	6	broadening	broaden	VERB
fsr-3461	3	7	the	the	DET
fsr-3461	3	8	scope	scope	NOUN
fsr-3461	3	9	of	of	ADP
fsr-3461	3	10	articles	article	NOUN
fsr-3461	3	11	,	,	PUNCT
fsr-3461	3	12	while	while	SCONJ
fsr-3461	3	13	still	still	ADV
fsr-3461	3	14	focusing	focus	VERB
fsr-3461	3	15	on	on	ADP
fsr-3461	3	16	individual	individual	ADJ
fsr-3461	3	17	financial	financial	ADJ
fsr-3461	3	18	management	management	NOUN
fsr-3461	3	19	and	and	CCONJ
fsr-3461	3	20	personal	personal	ADJ
fsr-3461	3	21	financial	financial	ADJ
fsr-3461	3	22	planning	planning	NOUN
fsr-3461	3	23	.	.	PUNCT
fsr-3461	4	1	i	i	PRON
fsr-3461	4	2	encourage	encourage	VERB
fsr-3461	4	3	authors	author	NOUN
fsr-3461	4	4	to	to	PART
fsr-3461	4	5	reach	reach	VERB
fsr-3461	4	6	out	out	ADP
fsr-3461	4	7	when	when	SCONJ
fsr-3461	4	8	discussing	discuss	VERB
fsr-3461	4	9	implications	implication	NOUN
fsr-3461	4	10	of	of	ADP
fsr-3461	4	11	their	their	PRON
fsr-3461	4	12	findings	finding	NOUN
fsr-3461	4	13	in	in	ADP
fsr-3461	4	14	a	a	DET
fsr-3461	4	15	more	more	ADV
fsr-3461	4	16	comprehensive	comprehensive	ADJ
fsr-3461	4	17	way	way	NOUN
fsr-3461	4	18	.	.	PUNCT
fsr-3461	5	1	as	as	SCONJ
fsr-3461	5	2	such	such	ADJ
fsr-3461	5	3	,	,	PUNCT
fsr-3461	5	4	all	all	DET
fsr-3461	5	5	articles	article	NOUN
fsr-3461	5	6	in	in	ADP
fsr-3461	5	7	the	the	DET
fsr-3461	5	8	journal	journal	NOUN
fsr-3461	5	9	more	more	ADV
fsr-3461	5	10	appropriately	appropriately	ADV
fsr-3461	5	11	relate	relate	VERB
fsr-3461	5	12	to	to	ADP
fsr-3461	5	13	financial	financial	ADJ
fsr-3461	5	14	planning	planning	NOUN
fsr-3461	5	15	issues	issue	NOUN
fsr-3461	5	16	.	.	PUNCT
fsr-3461	6	1	the	the	DET
fsr-3461	6	2	lead	lead	ADJ
fsr-3461	6	3	article	article	NOUN
fsr-3461	6	4	“	"	PUNCT
fsr-3461	6	5	financial	financial	ADJ
fsr-3461	6	6	(	(	PUNCT
fsr-3461	6	7	il)literacy	il)literacy	NOUN
fsr-3461	6	8	versus	versus	ADP
fsr-3461	6	9	individual	individual	PROPN
fsr-3461	6	10	’s	’s	PART
fsr-3461	6	11	behavior	behavior	NOUN
fsr-3461	6	12	;	;	PUNCT
fsr-3461	6	13	evidence	evidence	NOUN
fsr-3461	6	14	on	on	ADP
fsr-3461	6	15	credit	credit	NOUN
fsr-3461	6	16	card	card	NOUN
fsr-3461	6	17	repayment	repayment	NOUN
fsr-3461	6	18	patterns	pattern	NOUN
fsr-3461	6	19	”	"	PUNCT
fsr-3461	6	20	is	be	AUX
fsr-3461	6	21	coauthored	coauthore	VERB
fsr-3461	6	22	by	by	ADP
fsr-3461	6	23	gustavo	gustavo	PROPN
fsr-3461	6	24	barboza	barboza	PROPN
fsr-3461	6	25	at	at	ADP
fsr-3461	6	26	loyola	loyola	PROPN
fsr-3461	6	27	university	university	PROPN
fsr-3461	6	28	of	of	ADP
fsr-3461	6	29	new	new	PROPN
fsr-3461	6	30	orleans	orleans	PROPN
fsr-3461	6	31	;	;	PUNCT
fsr-3461	6	32	paola	paola	PROPN
fsr-3461	6	33	bongini	bongini	PROPN
fsr-3461	6	34	at	at	ADP
fsr-3461	6	35	university	university	PROPN
fsr-3461	6	36	of	of	ADP
fsr-3461	6	37	milano	milano	PROPN
fsr-3461	6	38	-	-	PUNCT
fsr-3461	6	39	bicocca	bicocca	PROPN
fsr-3461	6	40	and	and	CCONJ
fsr-3461	6	41	monica	monica	PROPN
fsr-3461	6	42	rossolini	rossolini	PROPN
fsr-3461	6	43	at	at	ADP
fsr-3461	6	44	university	university	NOUN
fsr-3461	6	45	of	of	ADP
fsr-3461	6	46	milanobicocca	milanobicocca	NOUN
fsr-3461	6	47	.	.	PUNCT
fsr-3461	7	1	the	the	DET
fsr-3461	7	2	authors	author	NOUN
fsr-3461	7	3	investigate	investigate	VERB
fsr-3461	7	4	the	the	DET
fsr-3461	7	5	role	role	NOUN
fsr-3461	7	6	that	that	PRON
fsr-3461	7	7	financial	financial	ADJ
fsr-3461	7	8	(	(	PUNCT
fsr-3461	7	9	il)literacy	il)literacy	NOUN
fsr-3461	7	10	and	and	CCONJ
fsr-3461	7	11	personal	personal	ADJ
fsr-3461	7	12	traits	trait	NOUN
fsr-3461	7	13	on	on	ADP
fsr-3461	7	14	financial	financial	ADJ
fsr-3461	7	15	behavior	behavior	NOUN
fsr-3461	7	16	.	.	PUNCT
fsr-3461	8	1	they	they	PRON
fsr-3461	8	2	assess	assess	VERB
fsr-3461	8	3	the	the	DET
fsr-3461	8	4	implications	implication	NOUN
fsr-3461	8	5	of	of	ADP
fsr-3461	8	6	revealed	reveal	VERB
fsr-3461	8	7	lack	lack	NOUN
fsr-3461	8	8	of	of	ADP
fsr-3461	8	9	financial	financial	ADJ
fsr-3461	8	10	knowledge	knowledge	NOUN
fsr-3461	8	11	on	on	ADP
fsr-3461	8	12	financial	financial	ADJ
fsr-3461	8	13	behavior	behavior	NOUN
fsr-3461	8	14	regarding	regard	VERB
fsr-3461	8	15	credit	credit	NOUN
fsr-3461	8	16	card	card	NOUN
fsr-3461	8	17	use	use	NOUN
fsr-3461	8	18	in	in	ADP
fsr-3461	8	19	comparison	comparison	NOUN
fsr-3461	8	20	with	with	ADP
fsr-3461	8	21	two	two	NUM
fsr-3461	8	22	other	other	ADJ
fsr-3461	8	23	cohorts	cohort	NOUN
fsr-3461	8	24	;	;	PUNCT
fsr-3461	8	25	cohort	cohort	VERB
fsr-3461	8	26	one	one	NUM
fsr-3461	8	27	answering	answer	VERB
fsr-3461	8	28	correctly	correctly	ADV
fsr-3461	8	29	,	,	PUNCT
fsr-3461	8	30	and	and	CCONJ
fsr-3461	8	31	cohort	cohort	VERB
fsr-3461	8	32	two	two	NUM
fsr-3461	8	33	failing	fail	VERB
fsr-3461	8	34	to	to	PART
fsr-3461	8	35	answer	answer	VERB
fsr-3461	8	36	correctly	correctly	ADV
fsr-3461	8	37	.	.	PUNCT
fsr-3461	9	1	their	their	PRON
fsr-3461	9	2	empirical	empirical	ADJ
fsr-3461	9	3	findings	finding	NOUN
fsr-3461	9	4	indicate	indicate	VERB
fsr-3461	9	5	that	that	SCONJ
fsr-3461	9	6	among	among	ADP
fsr-3461	9	7	personal	personal	ADJ
fsr-3461	9	8	-	-	PUNCT
fsr-3461	9	9	traits	trait	NOUN
fsr-3461	9	10	overspending	overspending	NOUN
fsr-3461	9	11	results	result	NOUN
fsr-3461	9	12	in	in	ADP
fsr-3461	9	13	lack	lack	NOUN
fsr-3461	9	14	of	of	ADP
fsr-3461	9	15	payment	payment	NOUN
fsr-3461	9	16	in	in	ADP
fsr-3461	9	17	full	full	ADJ
fsr-3461	9	18	in	in	ADP
fsr-3461	9	19	credit	credit	NOUN
fsr-3461	9	20	card	card	NOUN
fsr-3461	9	21	deb	deb	PROPN
fsr-3461	9	22	,	,	PUNCT
fsr-3461	9	23	and	and	CCONJ
fsr-3461	9	24	these	these	DET
fsr-3461	9	25	effects	effect	NOUN
fsr-3461	9	26	dominate	dominate	VERB
fsr-3461	9	27	any	any	DET
fsr-3461	9	28	gains	gain	NOUN
fsr-3461	9	29	derived	derive	VERB
fsr-3461	9	30	from	from	ADP
fsr-3461	9	31	financial	financial	ADJ
fsr-3461	9	32	literacy	literacy	NOUN
fsr-3461	9	33	.	.	PUNCT
fsr-3461	10	1	additionally	additionally	ADV
fsr-3461	10	2	financial	financial	ADJ
fsr-3461	10	3	literacy	literacy	NOUN
fsr-3461	10	4	appears	appear	VERB
fsr-3461	10	5	to	to	PART
fsr-3461	10	6	only	only	ADV
fsr-3461	10	7	play	play	VERB
fsr-3461	10	8	a	a	DET
fsr-3461	10	9	marginal	marginal	ADJ
fsr-3461	10	10	role	role	NOUN
fsr-3461	10	11	avoiding	avoid	VERB
fsr-3461	10	12	month	month	NOUN
fsr-3461	10	13	-	-	PUNCT
fsr-3461	10	14	to	to	ADP
fsr-3461	10	15	-	-	PUNCT
fsr-3461	10	16	month	month	NOUN
fsr-3461	10	17	credit	credit	NOUN
fsr-3461	10	18	card	card	NOUN
fsr-3461	10	19	debt	debt	NOUN
fsr-3461	10	20	.	.	PUNCT
fsr-3461	11	1	financial	financial	ADJ
fsr-3461	11	2	knowledge	knowledge	NOUN
fsr-3461	11	3	derived	derive	VERB
fsr-3461	11	4	from	from	ADP
fsr-3461	11	5	parents	parent	NOUN
fsr-3461	11	6	has	have	VERB
fsr-3461	11	7	a	a	DET
fsr-3461	11	8	strong	strong	ADJ
fsr-3461	11	9	positive	positive	ADJ
fsr-3461	11	10	effect	effect	NOUN
fsr-3461	11	11	on	on	ADP
fsr-3461	11	12	individuals	individual	NOUN
fsr-3461	11	13	’	'	PUNCT
fsr-3461	11	14	financial	financial	ADJ
fsr-3461	11	15	behavior	behavior	NOUN
fsr-3461	11	16	especially	especially	ADV
fsr-3461	11	17	for	for	ADP
fsr-3461	11	18	students	student	NOUN
fsr-3461	11	19	characterized	characterize	VERB
fsr-3461	11	20	by	by	ADP
fsr-3461	11	21	a	a	DET
fsr-3461	11	22	relevant	relevant	ADJ
fsr-3461	11	23	financial	financial	ADJ
fsr-3461	11	24	illiteracy	illiteracy	NOUN
fsr-3461	11	25	.	.	PUNCT
fsr-3461	12	1	the	the	DET
fsr-3461	12	2	implications	implication	NOUN
fsr-3461	12	3	support	support	VERB
fsr-3461	12	4	that	that	SCONJ
fsr-3461	12	5	early	early	ADJ
fsr-3461	12	6	exposure	exposure	NOUN
fsr-3461	12	7	to	to	ADP
fsr-3461	12	8	financial	financial	ADJ
fsr-3461	12	9	education	education	NOUN
fsr-3461	12	10	is	be	AUX
fsr-3461	12	11	strictly	strictly	ADV
fsr-3461	12	12	preferred	preferred	ADJ
fsr-3461	12	13	and	and	CCONJ
fsr-3461	12	14	should	should	AUX
fsr-3461	12	15	be	be	AUX
fsr-3461	12	16	promoted	promote	VERB
fsr-3461	12	17	at	at	ADP
fsr-3461	12	18	early	early	ADJ
fsr-3461	12	19	stages	stage	NOUN
fsr-3461	12	20	of	of	ADP
fsr-3461	12	21	the	the	DET
fsr-3461	12	22	educational	educational	ADJ
fsr-3461	12	23	system	system	NOUN
fsr-3461	12	24	.	.	PUNCT
fsr-3461	13	1	the	the	DET
fsr-3461	13	2	second	second	ADJ
fsr-3461	13	3	article	article	NOUN
fsr-3461	13	4	“	"	PUNCT
fsr-3461	13	5	framing	frame	VERB
fsr-3461	13	6	the	the	DET
fsr-3461	13	7	annuity	annuity	NOUN
fsr-3461	13	8	as	as	ADP
fsr-3461	13	9	bequest	bequest	NOUN
fsr-3461	13	10	protection	protection	NOUN
fsr-3461	13	11	:	:	PUNCT
fsr-3461	13	12	an	an	DET
fsr-3461	13	13	experimental	experimental	ADJ
fsr-3461	13	14	test	test	NOUN
fsr-3461	13	15	”	"	PUNCT
fsr-3461	13	16	is	be	AUX
fsr-3461	13	17	coauthored	coauthore	VERB
fsr-3461	13	18	by	by	ADP
fsr-3461	13	19	ying	ying	PROPN
fsr-3461	13	20	yan	yan	PROPN
fsr-3461	13	21	at	at	ADP
fsr-3461	13	22	eastern	eastern	PROPN
fsr-3461	13	23	new	new	PROPN
fsr-3461	13	24	mexico	mexico	PROPN
fsr-3461	13	25	state	state	PROPN
fsr-3461	13	26	university	university	PROPN
fsr-3461	13	27	and	and	CCONJ
fsr-3461	13	28	russell	russell	PROPN
fsr-3461	13	29	n.	n.	PROPN
fsr-3461	13	30	james	james	PROPN
fsr-3461	13	31	iii	iii	PROPN
fsr-3461	14	1	at	at	ADP
fsr-3461	14	2	texas	texas	PROPN
fsr-3461	14	3	tech	tech	PROPN
fsr-3461	14	4	university	university	PROPN
fsr-3461	14	5	.	.	PUNCT
fsr-3461	15	1	in	in	ADP
fsr-3461	15	2	this	this	DET
fsr-3461	15	3	article	article	NOUN
fsr-3461	15	4	,	,	PUNCT
fsr-3461	15	5	the	the	DET
fsr-3461	15	6	authors	author	NOUN
fsr-3461	15	7	investigate	investigate	VERB
fsr-3461	15	8	how	how	SCONJ
fsr-3461	15	9	framing	frame	VERB
fsr-3461	15	10	partial	partial	ADJ
fsr-3461	15	11	annuitization	annuitization	NOUN
fsr-3461	15	12	as	as	ADP
fsr-3461	15	13	a	a	DET
fsr-3461	15	14	protection	protection	NOUN
fsr-3461	15	15	for	for	ADP
fsr-3461	15	16	an	an	DET
fsr-3461	15	17	intended	intended	ADJ
fsr-3461	15	18	bequest	bequest	NOUN
fsr-3461	15	19	against	against	ADP
fsr-3461	15	20	the	the	DET
fsr-3461	15	21	risk	risk	NOUN
fsr-3461	15	22	of	of	ADP
fsr-3461	15	23	asset	asset	NOUN
fsr-3461	15	24	exhaustion	exhaustion	NOUN
fsr-3461	15	25	due	due	ADP
fsr-3461	15	26	to	to	ADP
fsr-3461	15	27	unexpected	unexpected	ADJ
fsr-3461	15	28	longevity	longevity	NOUN
fsr-3461	15	29	influences	influence	VERB
fsr-3461	15	30	the	the	DET
fsr-3461	15	31	desire	desire	NOUN
fsr-3461	15	32	to	to	PART
fsr-3461	15	33	purchase	purchase	VERB
fsr-3461	15	34	an	an	DET
fsr-3461	15	35	annuity	annuity	NOUN
fsr-3461	15	36	.	.	PUNCT
fsr-3461	16	1	their	their	PRON
fsr-3461	16	2	results	result	NOUN
fsr-3461	16	3	indicate	indicate	VERB
fsr-3461	16	4	that	that	SCONJ
fsr-3461	16	5	this	this	DET
fsr-3461	16	6	framing	frame	VERB
fsr-3461	16	7	argument	argument	NOUN
fsr-3461	16	8	does	do	AUX
fsr-3461	16	9	increase	increase	VERB
fsr-3461	16	10	interest	interest	NOUN
fsr-3461	16	11	in	in	ADP
fsr-3461	16	12	purchasing	purchase	VERB
fsr-3461	16	13	an	an	DET
fsr-3461	16	14	annuity	annuity	NOUN
fsr-3461	16	15	.	.	PUNCT
fsr-3461	17	1	the	the	DET
fsr-3461	17	2	regression	regression	NOUN
fsr-3461	17	3	results	result	NOUN
fsr-3461	17	4	demonstrate	demonstrate	VERB
fsr-3461	17	5	that	that	SCONJ
fsr-3461	17	6	this	this	DET
fsr-3461	17	7	framing	framing	NOUN
fsr-3461	17	8	has	have	VERB
fsr-3461	17	9	a	a	DET
fsr-3461	17	10	larger	large	ADJ
fsr-3461	17	11	positive	positive	ADJ
fsr-3461	17	12	effect	effect	NOUN
fsr-3461	17	13	for	for	ADP
fsr-3461	17	14	individuals	individual	NOUN
fsr-3461	17	15	with	with	ADP
fsr-3461	17	16	a	a	DET
fsr-3461	17	17	greater	great	ADJ
fsr-3461	17	18	bequest	bequest	NOUN
fsr-3461	17	19	motive	motive	NOUN
fsr-3461	17	20	.	.	PUNCT
fsr-3461	18	1	the	the	DET
fsr-3461	18	2	third	third	ADJ
fsr-3461	18	3	article	article	NOUN
fsr-3461	18	4	,	,	PUNCT
fsr-3461	18	5	“	"	PUNCT
fsr-3461	18	6	financial	financial	ADJ
fsr-3461	18	7	literacy	literacy	NOUN
fsr-3461	18	8	to	to	PART
fsr-3461	18	9	prevent	prevent	VERB
fsr-3461	18	10	poor	poor	ADJ
fsr-3461	18	11	borrowing	borrowing	NOUN
fsr-3461	18	12	choices	choice	NOUN
fsr-3461	18	13	”	"	PUNCT
fsr-3461	18	14	is	be	AUX
fsr-3461	18	15	coauthored	coauthore	VERB
fsr-3461	18	16	by	by	ADP
fsr-3461	18	17	terrance	terrance	PROPN
fsr-3461	18	18	martin	martin	PROPN
fsr-3461	18	19	at	at	ADP
fsr-3461	18	20	utah	utah	PROPN
fsr-3461	18	21	valley	valley	PROPN
fsr-3461	18	22	university	university	PROPN
fsr-3461	18	23	,	,	PUNCT
fsr-3461	18	24	janine	janine	PROPN
fsr-3461	18	25	k.	k.	PROPN
fsr-3461	18	26	sam	sam	PROPN
fsr-3461	18	27	at	at	ADP
fsr-3461	18	28	shepherd	shepherd	PROPN
fsr-3461	18	29	university	university	NOUN
fsr-3461	18	30	,	,	PUNCT
fsr-3461	18	31	*	*	PUNCT
fsr-3461	18	32	,	,	PUNCT
fsr-3461	18	33	and	and	CCONJ
fsr-3461	18	34	philip	philip	PROPN
fsr-3461	18	35	gibson	gibson	PROPN
fsr-3461	18	36	at	at	ADP
fsr-3461	18	37	winthrop	winthrop	PROPN
fsr-3461	18	38	university	university	PROPN
fsr-3461	18	39	.	.	PUNCT
fsr-3461	19	1	in	in	ADP
fsr-3461	19	2	this	this	DET
fsr-3461	19	3	article	article	NOUN
fsr-3461	19	4	the	the	DET
fsr-3461	19	5	authors	author	NOUN
fsr-3461	19	6	investigate	investigate	VERB
fsr-3461	19	7	the	the	DET
fsr-3461	19	8	impact	impact	NOUN
fsr-3461	19	9	of	of	ADP
fsr-3461	19	10	financial	financial	ADJ
fsr-3461	19	11	literacy	literacy	NOUN
fsr-3461	19	12	on	on	ADP
fsr-3461	19	13	the	the	DET
fsr-3461	19	14	decision	decision	NOUN
fsr-3461	19	15	to	to	PART
fsr-3461	19	16	access	access	VERB
fsr-3461	19	17	retirement	retirement	NOUN
fsr-3461	19	18	plan	plan	NOUN
fsr-3461	19	19	loans	loan	NOUN
fsr-3461	19	20	before	before	ADP
fsr-3461	19	21	retirement	retirement	NOUN
fsr-3461	19	22	or	or	CCONJ
fsr-3461	19	23	use	use	VERB
fsr-3461	19	24	one	one	NUM
fsr-3461	19	25	or	or	CCONJ
fsr-3461	19	26	more	more	ADV
fsr-3461	19	27	high	high	ADJ
fsr-3461	19	28	-	-	PUNCT
fsr-3461	19	29	cost	cost	NOUN
fsr-3461	19	30	lenders	lender	NOUN
fsr-3461	19	31	.	.	PUNCT
fsr-3461	20	1	their	their	PRON
fsr-3461	20	2	results	result	NOUN
fsr-3461	20	3	show	show	VERB
fsr-3461	20	4	that	that	SCONJ
fsr-3461	20	5	being	be	AUX
fsr-3461	20	6	financially	financially	ADV
fsr-3461	20	7	literate	literate	ADJ
fsr-3461	20	8	reduces	reduce	VERB
fsr-3461	20	9	the	the	DET
fsr-3461	20	10	likelihood	likelihood	NOUN
fsr-3461	20	11	of	of	ADP
fsr-3461	20	12	using	use	VERB
fsr-3461	20	13	high	high	ADJ
fsr-3461	20	14	-	-	PUNCT
fsr-3461	20	15	cost	cost	NOUN
fsr-3461	20	16	lenders	lender	NOUN
fsr-3461	20	17	and	and	CCONJ
fsr-3461	20	18	using	use	VERB
fsr-3461	20	19	retirement	retirement	NOUN
fsr-3461	20	20	-	-	PUNCT
fsr-3461	20	21	plan	plan	NOUN
fsr-3461	20	22	loans	loan	NOUN
fsr-3461	20	23	.	.	PUNCT
fsr-3461	21	1	additionally	additionally	ADV
fsr-3461	21	2	,	,	PUNCT
fsr-3461	21	3	they	they	PRON
fsr-3461	21	4	find	find	VERB
fsr-3461	21	5	evidence	evidence	NOUN
fsr-3461	21	6	of	of	ADP
fsr-3461	21	7	a	a	DET
fsr-3461	21	8	negative	negative	ADJ
fsr-3461	21	9	relation	relation	NOUN
fsr-3461	21	10	between	between	ADP
fsr-3461	21	11	financial	financial	ADJ
fsr-3461	21	12	literacy	literacy	NOUN
fsr-3461	21	13	and	and	CCONJ
fsr-3461	21	14	myopic	myopic	ADJ
fsr-3461	21	15	spending	spending	NOUN
fsr-3461	21	16	.	.	PUNCT
fsr-3461	22	1	1057	1057	NUM
fsr-3461	22	2	-	-	SYM
fsr-3461	22	3	0810/21/$	0810/21/$	NUM
fsr-3461	22	4	–	–	PUNCT
fsr-3461	22	5	see	see	VERB
fsr-3461	22	6	front	front	ADJ
fsr-3461	22	7	matter	matter	NOUN
fsr-3461	22	8	©	©	PROPN
fsr-3461	22	9	2021	2021	NUM
fsr-3461	22	10	academy	academy	NOUN
fsr-3461	22	11	of	of	ADP
fsr-3461	22	12	financial	financial	ADJ
fsr-3461	22	13	services	service	NOUN
fsr-3461	22	14	.	.	PUNCT
fsr-3461	23	1	all	all	DET
fsr-3461	23	2	rights	right	NOUN
fsr-3461	23	3	reserved	reserve	VERB
fsr-3461	23	4	.	.	PUNCT
fsr-3461	24	1	financial	financial	ADJ
fsr-3461	24	2	services	service	NOUN
fsr-3461	24	3	review	review	VERB
fsr-3461	24	4	29	29	NUM
fsr-3461	24	5	(	(	PUNCT
fsr-3461	24	6	2021	2021	NUM
fsr-3461	24	7	)	)	PUNCT
fsr-3461	24	8	v	v	NOUN
fsr-3461	24	9	–	–	PUNCT
fsr-3461	24	10	vii	vii	VERB
fsr-3461	24	11	the	the	DET
fsr-3461	24	12	final	final	ADJ
fsr-3461	24	13	article	article	NOUN
fsr-3461	24	14	,	,	PUNCT
fsr-3461	24	15	“	"	PUNCT
fsr-3461	24	16	improving	improve	VERB
fsr-3461	24	17	collegiate	collegiate	ADJ
fsr-3461	24	18	financial	financial	ADJ
fsr-3461	24	19	literacy	literacy	NOUN
fsr-3461	24	20	via	via	ADP
fsr-3461	24	21	financial	financial	ADJ
fsr-3461	24	22	education	education	NOUN
fsr-3461	24	23	seminars	seminar	NOUN
fsr-3461	24	24	”	"	PUNCT
fsr-3461	24	25	is	be	AUX
fsr-3461	24	26	coauthored	coauthore	VERB
fsr-3461	24	27	by	by	ADP
fsr-3461	24	28	jonathan	jonathan	PROPN
fsr-3461	24	29	handy	handy	ADJ
fsr-3461	24	30	at	at	ADP
fsr-3461	24	31	western	western	ADJ
fsr-3461	24	32	kentucky	kentucky	PROPN
fsr-3461	24	33	university	university	PROPN
fsr-3461	24	34	,	,	PUNCT
fsr-3461	24	35	beth	beth	PROPN
fsr-3461	24	36	pontari	pontari	PROPN
fsr-3461	24	37	at	at	ADP
fsr-3461	24	38	furman	furman	PROPN
fsr-3461	24	39	university	university	PROPN
fsr-3461	24	40	,	,	PUNCT
fsr-3461	24	41	thomas	thomas	PROPN
fsr-3461	24	42	smythe	smythe	PROPN
fsr-3461	24	43	florida	florida	PROPN
fsr-3461	24	44	at	at	ADP
fsr-3461	24	45	gulf	gulf	PROPN
fsr-3461	24	46	coast	coast	PROPN
fsr-3461	24	47	university	university	PROPN
fsr-3461	24	48	,	,	PUNCT
fsr-3461	24	49	and	and	CCONJ
fsr-3461	24	50	suzy	suzy	NOUN
fsr-3461	24	51	summers	summer	NOUN
fsr-3461	24	52	at	at	ADP
fsr-3461	24	53	furman	furman	PROPN
fsr-3461	24	54	university.the	university.the	PROPN
fsr-3461	24	55	authors	author	NOUN
fsr-3461	24	56	review	review	VERB
fsr-3461	24	57	a	a	DET
fsr-3461	24	58	personal	personal	ADJ
fsr-3461	24	59	finance	finance	NOUN
fsr-3461	24	60	program	program	NOUN
fsr-3461	24	61	developed	develop	VERB
fsr-3461	24	62	at	at	ADP
fsr-3461	24	63	a	a	DET
fsr-3461	24	64	private	private	ADJ
fsr-3461	24	65	liberal	liberal	ADJ
fsr-3461	24	66	arts	art	NOUN
fsr-3461	24	67	university	university	NOUN
fsr-3461	24	68	aimed	aim	VERB
fsr-3461	24	69	to	to	PART
fsr-3461	24	70	improve	improve	VERB
fsr-3461	24	71	financial	financial	ADJ
fsr-3461	24	72	literacy	literacy	NOUN
fsr-3461	24	73	.	.	PUNCT
fsr-3461	25	1	the	the	DET
fsr-3461	25	2	authors	author	NOUN
fsr-3461	25	3	examine	examine	VERB
fsr-3461	25	4	program	program	NOUN
fsr-3461	25	5	effectiveness	effectiveness	NOUN
fsr-3461	25	6	at	at	ADP
fsr-3461	25	7	improving	improve	VERB
fsr-3461	25	8	students	student	NOUN
fsr-3461	25	9	’	'	PUNCT
fsr-3461	25	10	financial	financial	ADJ
fsr-3461	25	11	knowledge	knowledge	NOUN
fsr-3461	25	12	and	and	CCONJ
fsr-3461	25	13	confidence	confidence	NOUN
fsr-3461	25	14	in	in	ADP
fsr-3461	25	15	their	their	PRON
fsr-3461	25	16	financial	financial	ADJ
fsr-3461	25	17	future	future	NOUN
fsr-3461	25	18	and	and	CCONJ
fsr-3461	25	19	find	find	VERB
fsr-3461	25	20	that	that	SCONJ
fsr-3461	25	21	financial	financial	ADJ
fsr-3461	25	22	knowledge	knowledge	NOUN
fsr-3461	25	23	and	and	CCONJ
fsr-3461	25	24	confidence	confidence	NOUN
fsr-3461	25	25	improve	improve	NOUN
fsr-3461	25	26	.	.	PUNCT
fsr-3461	26	1	additionally	additionally	ADV
fsr-3461	26	2	,	,	PUNCT
fsr-3461	26	3	women	woman	NOUN
fsr-3461	26	4	(	(	PUNCT
fsr-3461	26	5	minorities	minority	NOUN
fsr-3461	26	6	)	)	PUNCT
fsr-3461	26	7	narrow	narrow	VERB
fsr-3461	26	8	their	their	PRON
fsr-3461	26	9	financial	financial	ADJ
fsr-3461	26	10	knowledge	knowledge	NOUN
fsr-3461	26	11	and	and	CCONJ
fsr-3461	26	12	confidence	confidence	NOUN
fsr-3461	26	13	gaps	gap	NOUN
fsr-3461	26	14	when	when	SCONJ
fsr-3461	26	15	compared	compare	VERB
fsr-3461	26	16	to	to	ADP
fsr-3461	26	17	men	man	NOUN
fsr-3461	26	18	(	(	PUNCT
fsr-3461	26	19	caucasians	caucasian	NOUN
fsr-3461	26	20	)	)	PUNCT
fsr-3461	26	21	.	.	PUNCT
fsr-3461	27	1	the	the	DET
fsr-3461	27	2	follow	follow	VERB
fsr-3461	27	3	-	-	PUNCT
fsr-3461	27	4	up	up	NOUN
fsr-3461	27	5	analyses	analysis	NOUN
fsr-3461	27	6	show	show	VERB
fsr-3461	27	7	that	that	SCONJ
fsr-3461	27	8	increases	increase	VERB
fsr-3461	27	9	in	in	ADP
fsr-3461	27	10	confidence	confidence	NOUN
fsr-3461	27	11	appear	appear	VERB
fsr-3461	27	12	justified	justify	VERB
fsr-3461	27	13	in	in	SCONJ
fsr-3461	27	14	that	that	SCONJ
fsr-3461	27	15	they	they	PRON
fsr-3461	27	16	are	be	AUX
fsr-3461	27	17	calibrated	calibrate	VERB
fsr-3461	27	18	to	to	PART
fsr-3461	27	19	increases	increase	NOUN
fsr-3461	27	20	in	in	ADP
fsr-3461	27	21	knowledge	knowledge	NOUN
fsr-3461	27	22	.	.	PUNCT
fsr-3461	28	1	thank	thank	VERB
fsr-3461	28	2	you	you	PRON
fsr-3461	28	3	to	to	ADP
fsr-3461	28	4	those	those	PRON
fsr-3461	28	5	who	who	PRON
fsr-3461	28	6	make	make	VERB
fsr-3461	28	7	the	the	DET
fsr-3461	28	8	journal	journal	NOUN
fsr-3461	28	9	possible	possible	ADJ
fsr-3461	28	10	,	,	PUNCT
fsr-3461	28	11	especially	especially	ADV
fsr-3461	28	12	the	the	DET
fsr-3461	28	13	referees	referee	NOUN
fsr-3461	28	14	and	and	CCONJ
fsr-3461	28	15	contributing	contribute	VERB
fsr-3461	28	16	authors	author	NOUN
fsr-3461	28	17	.	.	PUNCT
fsr-3461	29	1	over	over	ADP
fsr-3461	29	2	the	the	DET
fsr-3461	29	3	past	past	ADJ
fsr-3461	29	4	year	year	NOUN
fsr-3461	29	5	,	,	PUNCT
fsr-3461	29	6	the	the	DET
fsr-3461	29	7	following	follow	VERB
fsr-3461	29	8	reviewers	reviewer	NOUN
fsr-3461	29	9	provided	provide	VERB
fsr-3461	29	10	excellent	excellent	ADJ
fsr-3461	29	11	reviews	review	NOUN
fsr-3461	29	12	of	of	ADP
fsr-3461	29	13	the	the	DET
fsr-3461	29	14	articles	article	NOUN
fsr-3461	29	15	you	you	PRON
fsr-3461	29	16	enjoyed	enjoy	VERB
fsr-3461	29	17	within	within	ADP
fsr-3461	29	18	the	the	DET
fsr-3461	29	19	pages	page	NOUN
fsr-3461	29	20	of	of	ADP
fsr-3461	29	21	financial	financial	ADJ
fsr-3461	29	22	services	service	NOUN
fsr-3461	29	23	review	review	NOUN
fsr-3461	29	24	.	.	PUNCT
fsr-3461	30	1	i	i	PRON
fsr-3461	30	2	would	would	AUX
fsr-3461	30	3	like	like	VERB
fsr-3461	30	4	to	to	PART
fsr-3461	30	5	send	send	VERB
fsr-3461	30	6	a	a	DET
fsr-3461	30	7	special	special	ADJ
fsr-3461	30	8	thank	thank	NOUN
fsr-3461	30	9	you	you	PRON
fsr-3461	30	10	to	to	ADP
fsr-3461	30	11	the	the	DET
fsr-3461	30	12	many	many	ADJ
fsr-3461	30	13	reviewers	reviewer	NOUN
fsr-3461	30	14	that	that	PRON
fsr-3461	30	15	have	have	AUX
fsr-3461	30	16	significantly	significantly	ADV
fsr-3461	30	17	contributed	contribute	VERB
fsr-3461	30	18	to	to	ADP
fsr-3461	30	19	the	the	DET
fsr-3461	30	20	quality	quality	NOUN
fsr-3461	30	21	of	of	ADP
fsr-3461	30	22	our	our	PRON
fsr-3461	30	23	journal	journal	NOUN
fsr-3461	30	24	by	by	ADP
fsr-3461	30	25	providing	provide	VERB
fsr-3461	30	26	timely	timely	ADJ
fsr-3461	30	27	and	and	CCONJ
fsr-3461	30	28	thorough	thorough	ADJ
fsr-3461	30	29	reviews	review	NOUN
fsr-3461	30	30	of	of	ADP
fsr-3461	30	31	the	the	DET
fsr-3461	30	32	submissions	submission	NOUN
fsr-3461	30	33	to	to	ADP
fsr-3461	30	34	our	our	PRON
fsr-3461	30	35	journal	journal	NOUN
fsr-3461	30	36	.	.	PUNCT
fsr-3461	31	1	please	please	INTJ
fsr-3461	31	2	consider	consider	VERB
fsr-3461	31	3	submission	submission	NOUN
fsr-3461	31	4	to	to	ADP
fsr-3461	31	5	the	the	DET
fsr-3461	31	6	financial	financial	ADJ
fsr-3461	31	7	services	service	NOUN
fsr-3461	31	8	review	review	NOUN
fsr-3461	31	9	and	and	CCONJ
fsr-3461	31	10	rely	rely	VERB
fsr-3461	31	11	on	on	ADP
fsr-3461	31	12	the	the	DET
fsr-3461	31	13	style	style	NOUN
fsr-3461	31	14	information	information	NOUN
fsr-3461	31	15	provided	provide	VERB
fsr-3461	31	16	to	to	PART
fsr-3461	31	17	ease	ease	VERB
fsr-3461	31	18	readability	readability	NOUN
fsr-3461	31	19	and	and	CCONJ
fsr-3461	31	20	streamline	streamline	VERB
fsr-3461	31	21	the	the	DET
fsr-3461	31	22	review	review	NOUN
fsr-3461	31	23	process	process	NOUN
fsr-3461	31	24	.	.	PUNCT
fsr-3461	32	1	the	the	DET
fsr-3461	32	2	journal	journal	NOUN
fsr-3461	32	3	welcomes	welcome	VERB
fsr-3461	32	4	articles	article	NOUN
fsr-3461	32	5	over	over	ADP
fsr-3461	32	6	the	the	DET
fsr-3461	32	7	range	range	NOUN
fsr-3461	32	8	of	of	ADP
fsr-3461	32	9	areas	area	NOUN
fsr-3461	32	10	that	that	PRON
fsr-3461	32	11	comprise	comprise	VERB
fsr-3461	32	12	personal	personal	ADJ
fsr-3461	32	13	financial	financial	ADJ
fsr-3461	32	14	planning	planning	NOUN
fsr-3461	32	15	.	.	PUNCT
fsr-3461	33	1	while	while	SCONJ
fsr-3461	33	2	fsr	fsr	PROPN
fsr-3461	33	3	articles	article	NOUN
fsr-3461	33	4	are	be	AUX
fsr-3461	33	5	certainly	certainly	ADV
fsr-3461	33	6	diverse	diverse	ADJ
fsr-3461	33	7	in	in	ADP
fsr-3461	33	8	terms	term	NOUN
fsr-3461	33	9	of	of	ADP
fsr-3461	33	10	topic	topic	NOUN
fsr-3461	33	11	,	,	PUNCT
fsr-3461	33	12	data	datum	NOUN
fsr-3461	33	13	,	,	PUNCT
fsr-3461	33	14	and	and	CCONJ
fsr-3461	33	15	method	method	NOUN
fsr-3461	33	16	,	,	PUNCT
fsr-3461	33	17	they	they	PRON
fsr-3461	33	18	are	be	AUX
fsr-3461	33	19	focused	focus	VERB
fsr-3461	33	20	in	in	ADP
fsr-3461	33	21	terms	term	NOUN
fsr-3461	33	22	of	of	ADP
fsr-3461	33	23	motivation	motivation	NOUN
fsr-3461	33	24	.	.	PUNCT
fsr-3461	34	1	fsr	fsr	PROPN
fsr-3461	34	2	exists	exist	VERB
fsr-3461	34	3	to	to	PART
fsr-3461	34	4	produce	produce	VERB
fsr-3461	34	5	research	research	NOUN
fsr-3461	34	6	that	that	PRON
fsr-3461	34	7	addresses	address	VERB
fsr-3461	34	8	issues	issue	NOUN
fsr-3461	34	9	that	that	PRON
fsr-3461	34	10	matter	matter	VERB
fsr-3461	34	11	to	to	ADP
fsr-3461	34	12	individuals	individual	NOUN
fsr-3461	34	13	.	.	PUNCT
fsr-3461	35	1	i	i	PRON
fsr-3461	35	2	remain	remain	VERB
fsr-3461	35	3	committed	committed	ADJ
fsr-3461	35	4	to	to	ADP
fsr-3461	35	5	the	the	DET
fsr-3461	35	6	goal	goal	NOUN
fsr-3461	35	7	of	of	ADP
fsr-3461	35	8	making	make	VERB
fsr-3461	35	9	financial	financial	ADJ
fsr-3461	35	10	services	service	NOUN
fsr-3461	35	11	review	review	VERB
fsr-3461	35	12	the	the	DET
fsr-3461	35	13	best	good	ADJ
fsr-3461	35	14	academic	academic	ADJ
fsr-3461	35	15	journal	journal	NOUN
fsr-3461	35	16	in	in	ADP
fsr-3461	35	17	individual	individual	ADJ
fsr-3461	35	18	financial	financial	ADJ
fsr-3461	35	19	management	management	NOUN
fsr-3461	35	20	and	and	CCONJ
fsr-3461	35	21	personal	personal	ADJ
fsr-3461	35	22	financial	financial	ADJ
fsr-3461	35	23	planning	planning	NOUN
fsr-3461	35	24	.	.	PUNCT
fsr-3461	36	1	best	good	ADJ
fsr-3461	36	2	regards	regard	VERB
fsr-3461	36	3	,	,	PUNCT
fsr-3461	36	4	stuart	stuart	PROPN
fsr-3461	36	5	michelson	michelson	PROPN
fsr-3461	36	6	editor	editor	PROPN
fsr-3461	36	7	financial	financial	PROPN
fsr-3461	36	8	services	services	PROPN
fsr-3461	36	9	review	review	VERB
fsr-3461	36	10	s.	s.	PROPN
fsr-3461	36	11	michelson	michelson	PROPN
fsr-3461	36	12	/	/	SYM
fsr-3461	36	13	financial	financial	ADJ
fsr-3461	36	14	services	service	NOUN
fsr-3461	36	15	review	review	VERB
fsr-3461	36	16	29	29	NUM
fsr-3461	36	17	(	(	PUNCT
fsr-3461	36	18	2021	2021	NUM
fsr-3461	36	19	)	)	PUNCT
fsr-3461	36	20	v	v	NOUN
fsr-3461	36	21	–	–	PUNCT
fsr-3461	36	22	vii	vii	PROPN
fsr-3461	36	23	vi	vi	PROPN
fsr-3461	36	24	thank	thank	VERB
fsr-3461	36	25	you	you	PRON
fsr-3461	36	26	to	to	ADP
fsr-3461	36	27	all	all	DET
fsr-3461	36	28	the	the	DET
fsr-3461	36	29	fsr	fsr	PROPN
fsr-3461	36	30	reviewers	reviewer	NOUN
fsr-3461	36	31	over	over	ADP
fsr-3461	36	32	the	the	DET
fsr-3461	36	33	past	past	ADJ
fsr-3461	36	34	year	year	NOUN
fsr-3461	36	35	!	!	PUNCT
fsr-3461	37	1	abdullah	abdullah	PROPN
fsr-3461	37	2	al	al	PROPN
fsr-3461	37	3	-	-	PUNCT
fsr-3461	37	4	bahrani	bahrani	PROPN
fsr-3461	37	5	northern	northern	PROPN
fsr-3461	37	6	kentucky	kentucky	PROPN
fsr-3461	37	7	university	university	PROPN
fsr-3461	37	8	maher	maher	PROPN
fsr-3461	37	9	alyousif	alyousif	PROPN
fsr-3461	37	10	texas	texas	PROPN
fsr-3461	37	11	tech	tech	PROPN
fsr-3461	37	12	sonya	sonya	PROPN
fsr-3461	37	13	britt	britt	PROPN
fsr-3461	37	14	-	-	PUNCT
fsr-3461	37	15	lutter	lutter	PROPN
fsr-3461	37	16	bond	bond	NOUN
fsr-3461	37	17	university	university	PROPN
fsr-3461	37	18	gjergji	gjergji	PROPN
fsr-3461	37	19	cici	cici	PROPN
fsr-3461	37	20	university	university	PROPN
fsr-3461	37	21	of	of	ADP
fsr-3461	37	22	kansas	kansas	PROPN
fsr-3461	37	23	andrew	andrew	PROPN
fsr-3461	37	24	clare	clare	PROPN
fsr-3461	37	25	university	university	PROPN
fsr-3461	37	26	of	of	ADP
fsr-3461	37	27	london	london	PROPN
fsr-3461	37	28	jack	jack	PROPN
fsr-3461	37	29	dejong	dejong	PROPN
fsr-3461	37	30	nova	nova	PROPN
fsr-3461	37	31	southeastern	southeastern	PROPN
fsr-3461	37	32	catherine	catherine	PROPN
fsr-3461	37	33	d’hondt	d’hondt	PROPN
fsr-3461	37	34	louvain	louvain	VERB
fsr-3461	37	35	james	james	PROPN
fsr-3461	37	36	dilellio	dilellio	PROPN
fsr-3461	37	37	pepperdine	pepperdine	PROPN
fsr-3461	37	38	yaman	yaman	PROPN
fsr-3461	37	39	erzurumlu	erzurumlu	PROPN
fsr-3461	37	40	bahcesehir	bahcesehir	PROPN
fsr-3461	37	41	university	university	PROPN
fsr-3461	37	42	javier	javier	PROPN
fsr-3461	37	43	estrada	estrada	PROPN
fsr-3461	37	44	iese	iese	PROPN
fsr-3461	37	45	business	business	PROPN
fsr-3461	37	46	school	school	PROPN
fsr-3461	37	47	daniel	daniel	PROPN
fsr-3461	37	48	fernandes	fernandes	PROPN
fsr-3461	37	49	catholic	catholic	PROPN
fsr-3461	37	50	university	university	PROPN
fsr-3461	37	51	of	of	ADP
fsr-3461	37	52	portugal	portugal	PROPN
fsr-3461	37	53	fred	fred	PROPN
fsr-3461	37	54	fernatt	fernatt	PROPN
fsr-3461	38	1	jim	jim	PROPN
fsr-3461	38	2	gilkeson	gilkeson	PROPN
fsr-3461	38	3	u	u	PROPN
fsr-3461	38	4	of	of	ADP
fsr-3461	38	5	central	central	PROPN
fsr-3461	38	6	florida	florida	PROPN
fsr-3461	38	7	andreas	andreas	PROPN
fsr-3461	38	8	hackethal	hackethal	PROPN
fsr-3461	38	9	goethe	goethe	PROPN
fsr-3461	38	10	university	university	PROPN
fsr-3461	38	11	frankfurt	frankfurt	PROPN
fsr-3461	38	12	daniel	daniel	PROPN
fsr-3461	38	13	hoechle	hoechle	PROPN
fsr-3461	38	14	u	u	PROPN
fsr-3461	38	15	of	of	ADP
fsr-3461	38	16	applied	apply	VERB
fsr-3461	38	17	sciences	sciences	PROPN
fsr-3461	38	18	&	&	CCONJ
fsr-3461	38	19	arts	arts	PROPN
fsr-3461	38	20	patti	patti	PROPN
fsr-3461	38	21	j.	j.	PROPN
fsr-3461	38	22	fisher	fisher	PROPN
fsr-3461	38	23	virginia	virginia	PROPN
fsr-3461	38	24	tech	tech	PROPN
fsr-3461	38	25	russell	russell	PROPN
fsr-3461	38	26	james	james	PROPN
fsr-3461	38	27	texas	texas	PROPN
fsr-3461	38	28	tech	tech	PROPN
fsr-3461	38	29	university	university	PROPN
fsr-3461	38	30	vladimir	vladimir	NOUN
fsr-3461	38	31	kotomin	kotomin	VERB
fsr-3461	38	32	ilinois	ilinois	PROPN
fsr-3461	38	33	state	state	PROPN
fsr-3461	38	34	university	university	PROPN
fsr-3461	38	35	kyre	kyre	PROPN
fsr-3461	38	36	lahtinen	lahtinen	PROPN
fsr-3461	38	37	wright	wright	PROPN
fsr-3461	38	38	state	state	PROPN
fsr-3461	38	39	university	university	PROPN
fsr-3461	38	40	camilla	camilla	PROPN
fsr-3461	38	41	mazzoli	mazzoli	PROPN
fsr-3461	38	42	politecnica	politecnica	PROPN
fsr-3461	38	43	delle	delle	PROPN
fsr-3461	38	44	marche	marche	PROPN
fsr-3461	38	45	steffen	steffen	PROPN
fsr-3461	38	46	meyer	meyer	PROPN
fsr-3461	38	47	darshak	darshak	PROPN
fsr-3461	38	48	patel	patel	PROPN
fsr-3461	38	49	university	university	PROPN
fsr-3461	38	50	of	of	ADP
fsr-3461	38	51	kentucky	kentucky	PROPN
fsr-3461	38	52	cliff	cliff	PROPN
fsr-3461	38	53	robb	robb	PROPN
fsr-3461	38	54	wisconsin	wisconsin	PROPN
fsr-3461	38	55	madison	madison	PROPN
fsr-3461	38	56	nic	nic	PROPN
fsr-3461	38	57	schaub	schaub	PROPN
fsr-3461	38	58	university	university	PROPN
fsr-3461	38	59	of	of	ADP
fsr-3461	38	60	st	st	PROPN
fsr-3461	38	61	.	.	PROPN
fsr-3461	38	62	gallen	gallen	PROPN
fsr-3461	38	63	nic	nic	PROPN
fsr-3461	38	64	schaub	schaub	PROPN
fsr-3461	38	65	whu	whu	PROPN
fsr-3461	38	66	martin	martin	PROPN
fsr-3461	38	67	seay	seay	PROPN
fsr-3461	38	68	kansas	kansas	PROPN
fsr-3461	38	69	state	state	PROPN
fsr-3461	38	70	university	university	PROPN
fsr-3461	38	71	jinfei	jinfei	PROPN
fsr-3461	38	72	sheng	sheng	PROPN
fsr-3461	38	73	uc	uc	PROPN
fsr-3461	38	74	irvine	irvine	PROPN
fsr-3461	38	75	peter	peter	PROPN
fsr-3461	38	76	smith	smith	PROPN
fsr-3461	38	77	university	university	PROPN
fsr-3461	38	78	of	of	ADP
fsr-3461	38	79	york	york	PROPN
fsr-3461	38	80	carol	carol	PROPN
fsr-3461	38	81	springer	springer	PROPN
fsr-3461	38	82	sargent	sargent	PROPN
fsr-3461	38	83	middle	middle	PROPN
fsr-3461	38	84	georgia	georgia	PROPN
fsr-3461	38	85	state	state	PROPN
fsr-3461	38	86	university	university	PROPN
fsr-3461	38	87	ruilin	ruilin	PROPN
fsr-3461	38	88	tian	tian	PROPN
fsr-3461	38	89	north	north	PROPN
fsr-3461	38	90	dakota	dakota	PROPN
fsr-3461	38	91	state	state	PROPN
fsr-3461	38	92	university	university	PROPN
fsr-3461	38	93	bruce	bruce	PROPN
fsr-3461	38	94	vanstone	vanstone	PROPN
fsr-3461	38	95	politecnica	politecnica	PROPN
fsr-3461	38	96	delle	delle	PROPN
fsr-3461	38	97	marche	marche	PROPN
fsr-3461	38	98	william	william	PROPN
fsr-3461	38	99	walstad	walstad	PROPN
fsr-3461	38	100	university	university	PROPN
fsr-3461	38	101	of	of	ADP
fsr-3461	38	102	nebraska	nebraska	PROPN
fsr-3461	38	103	tom	tom	PROPN
fsr-3461	38	104	warschauer	warschauer	PROPN
fsr-3461	38	105	san	san	PROPN
fsr-3461	38	106	diego	diego	PROPN
fsr-3461	38	107	state	state	PROPN
fsr-3461	38	108	jamie	jamie	PROPN
fsr-3461	38	109	weathers	weathers	PROPN
fsr-3461	38	110	western	western	PROPN
fsr-3461	38	111	michigan	michigan	PROPN
fsr-3461	38	112	university	university	PROPN
fsr-3461	38	113	terry	terry	PROPN
fsr-3461	38	114	zhang	zhang	PROPN
fsr-3461	38	115	australian	australian	PROPN
fsr-3461	38	116	national	national	PROPN
fsr-3461	38	117	university	university	PROPN
fsr-3461	38	118	vii	vii	PROPN
fsr-3461	38	119	s.	s.	PROPN
fsr-3461	38	120	michelson	michelson	PROPN
fsr-3461	38	121	/	/	SYM
fsr-3461	38	122	financial	financial	ADJ
fsr-3461	38	123	services	service	NOUN
fsr-3461	38	124	review	review	VERB
fsr-3461	38	125	29	29	NUM
fsr-3461	38	126	(	(	PUNCT
fsr-3461	38	127	2021	2021	NUM
fsr-3461	38	128	)	)	PUNCT
fsr-3461	38	129	v	v	NOUN
fsr-3461	38	130	–	–	PUNCT
fsr-3461	38	131	vii	vii	NOUN