id	sid	tid	token	lemma	pos
fsr-3462	1	1	financial	financial	ADJ
fsr-3462	1	2	(	(	PUNCT
fsr-3462	1	3	il)literacy	il)literacy	NOUN
fsr-3462	1	4	vs.	vs.	X
fsr-3462	1	5	individual	individual	NOUN
fsr-3462	1	6	’s	’s	PART
fsr-3462	1	7	behavior	behavior	NOUN
fsr-3462	1	8	:	:	PUNCT
fsr-3462	1	9	evidence	evidence	NOUN
fsr-3462	1	10	on	on	ADP
fsr-3462	1	11	credit	credit	NOUN
fsr-3462	1	12	card	card	NOUN
fsr-3462	1	13	repayment	repayment	NOUN
fsr-3462	1	14	patterns	pattern	NOUN
fsr-3462	1	15	gustavo	gustavo	PROPN
fsr-3462	1	16	barbozaa	barbozaa	PROPN
fsr-3462	1	17	,	,	PUNCT
fsr-3462	1	18	b	b	PROPN
fsr-3462	1	19	,	,	PUNCT
fsr-3462	1	20	paola	paola	PROPN
fsr-3462	1	21	bonginic	bonginic	NOUN
fsr-3462	1	22	,	,	PUNCT
fsr-3462	1	23	monica	monica	PROPN
fsr-3462	1	24	rossolinic	rossolinic	ADJ
fsr-3462	1	25	,	,	PUNCT
fsr-3462	1	26	*	*	PUNCT
fsr-3462	1	27	ajack	ajack	NOUN
fsr-3462	1	28	and	and	CCONJ
fsr-3462	1	29	vada	vada	PROPN
fsr-3462	1	30	reynolds	reynolds	PROPN
fsr-3462	1	31	endowed	endowed	ADJ
fsr-3462	1	32	chair	chair	NOUN
fsr-3462	1	33	professor	professor	NOUN
fsr-3462	1	34	of	of	ADP
fsr-3462	1	35	international	international	ADJ
fsr-3462	1	36	business	business	NOUN
fsr-3462	1	37	,	,	PUNCT
fsr-3462	1	38	loyola	loyola	PROPN
fsr-3462	1	39	university	university	PROPN
fsr-3462	1	40	of	of	ADP
fsr-3462	1	41	new	new	PROPN
fsr-3462	1	42	orleans	orleans	PROPN
fsr-3462	1	43	,	,	PUNCT
fsr-3462	1	44	6363	6363	NUM
fsr-3462	1	45	st	st	PROPN
fsr-3462	1	46	charles	charles	PROPN
fsr-3462	1	47	avenue	avenue	PROPN
fsr-3462	1	48	,	,	PUNCT
fsr-3462	1	49	new	new	PROPN
fsr-3462	1	50	orleans	orleans	PROPN
fsr-3462	1	51	,	,	PUNCT
fsr-3462	1	52	la	la	PROPN
fsr-3462	1	53	70118	70118	NUM
fsr-3462	1	54	,	,	PUNCT
fsr-3462	1	55	usa	usa	PROPN
fsr-3462	1	56	bdepartment	bdepartment	NOUN
fsr-3462	1	57	of	of	ADP
fsr-3462	1	58	business	business	NOUN
fsr-3462	1	59	and	and	CCONJ
fsr-3462	1	60	law	law	NOUN
fsr-3462	1	61	,	,	PUNCT
fsr-3462	1	62	university	university	NOUN
fsr-3462	1	63	of	of	ADP
fsr-3462	1	64	milano	milano	PROPN
fsr-3462	1	65	-	-	PUNCT
fsr-3462	1	66	bicocca	bicocca	PROPN
fsr-3462	1	67	,	,	PUNCT
fsr-3462	1	68	via	via	ADP
fsr-3462	1	69	bicocca	bicocca	PROPN
fsr-3462	1	70	degli	degli	NOUN
fsr-3462	1	71	arcimboldi	arcimboldi	NOUN
fsr-3462	1	72	,	,	PUNCT
fsr-3462	1	73	8	8	NUM
fsr-3462	1	74	20126	20126	NUM
fsr-3462	1	75	,	,	PUNCT
fsr-3462	1	76	milan	milan	PROPN
fsr-3462	1	77	,	,	PUNCT
fsr-3462	1	78	italy	italy	PROPN
fsr-3462	1	79	cdepartment	cdepartment	PROPN
fsr-3462	1	80	of	of	ADP
fsr-3462	1	81	business	business	NOUN
fsr-3462	1	82	and	and	CCONJ
fsr-3462	1	83	law	law	NOUN
fsr-3462	1	84	,	,	PUNCT
fsr-3462	1	85	university	university	NOUN
fsr-3462	1	86	of	of	ADP
fsr-3462	1	87	milano	milano	PROPN
fsr-3462	1	88	-	-	PUNCT
fsr-3462	1	89	bicocca	bicocca	PROPN
fsr-3462	1	90	,	,	PUNCT
fsr-3462	1	91	via	via	ADP
fsr-3462	1	92	bicocca	bicocca	PROPN
fsr-3462	1	93	degli	degli	NOUN
fsr-3462	1	94	arcimboldi	arcimboldi	NOUN
fsr-3462	1	95	,	,	PUNCT
fsr-3462	1	96	8	8	NUM
fsr-3462	1	97	20126	20126	NUM
fsr-3462	1	98	,	,	PUNCT
fsr-3462	1	99	milan	milan	PROPN
fsr-3462	1	100	,	,	PUNCT
fsr-3462	1	101	italy	italy	PROPN
fsr-3462	1	102	abstract	abstract	ADJ
fsr-3462	1	103	we	we	PRON
fsr-3462	1	104	explore	explore	VERB
fsr-3462	1	105	the	the	DET
fsr-3462	1	106	role	role	NOUN
fsr-3462	1	107	that	that	PRON
fsr-3462	1	108	financial	financial	ADJ
fsr-3462	1	109	(	(	PUNCT
fsr-3462	1	110	il)literacy	il)literacy	NOUN
fsr-3462	1	111	and	and	CCONJ
fsr-3462	1	112	personal	personal	ADJ
fsr-3462	1	113	traits	trait	NOUN
fsr-3462	1	114	have	have	VERB
fsr-3462	1	115	on	on	ADP
fsr-3462	1	116	financial	financial	ADJ
fsr-3462	1	117	behavior	behavior	NOUN
fsr-3462	1	118	.	.	PUNCT
fsr-3462	2	1	using	use	VERB
fsr-3462	2	2	a	a	DET
fsr-3462	2	3	sample	sample	NOUN
fsr-3462	2	4	of	of	ADP
fsr-3462	2	5	156	156	NUM
fsr-3462	2	6	college	college	NOUN
fsr-3462	2	7	students	student	NOUN
fsr-3462	2	8	from	from	ADP
fsr-3462	2	9	the	the	DET
fsr-3462	2	10	united	united	PROPN
fsr-3462	2	11	states	states	PROPN
fsr-3462	2	12	,	,	PUNCT
fsr-3462	2	13	we	we	PRON
fsr-3462	2	14	provide	provide	VERB
fsr-3462	2	15	unique	unique	ADJ
fsr-3462	2	16	empirical	empirical	ADJ
fsr-3462	2	17	evidence	evidence	NOUN
fsr-3462	2	18	by	by	ADP
fsr-3462	2	19	specifically	specifically	ADV
fsr-3462	2	20	differentiating	differentiate	VERB
fsr-3462	2	21	between	between	ADP
fsr-3462	2	22	individuals	individual	NOUN
fsr-3462	2	23	with	with	ADP
fsr-3462	2	24	higher	high	ADJ
fsr-3462	2	25	levels	level	NOUN
fsr-3462	2	26	of	of	ADP
fsr-3462	2	27	financial	financial	ADJ
fsr-3462	2	28	literacy	literacy	NOUN
fsr-3462	2	29	versus	versus	ADP
fsr-3462	2	30	individuals	individual	NOUN
fsr-3462	2	31	declaring	declare	VERB
fsr-3462	2	32	not	not	PART
fsr-3462	2	33	knowing	know	VERB
fsr-3462	2	34	the	the	DET
fsr-3462	2	35	answers	answer	NOUN
fsr-3462	2	36	to	to	ADP
fsr-3462	2	37	financial	financial	ADJ
fsr-3462	2	38	literacy	literacy	NOUN
fsr-3462	2	39	questions	question	NOUN
fsr-3462	2	40	and	and	CCONJ
fsr-3462	2	41	those	those	PRON
fsr-3462	2	42	answering	answer	VERB
fsr-3462	2	43	incorrectly	incorrectly	ADV
fsr-3462	2	44	.	.	PUNCT
fsr-3462	3	1	thus	thus	ADV
fsr-3462	3	2	,	,	PUNCT
fsr-3462	3	3	we	we	PRON
fsr-3462	3	4	assess	assess	VERB
fsr-3462	3	5	the	the	DET
fsr-3462	3	6	implications	implication	NOUN
fsr-3462	3	7	of	of	ADP
fsr-3462	3	8	revealed	reveal	VERB
fsr-3462	3	9	lack	lack	NOUN
fsr-3462	3	10	of	of	ADP
fsr-3462	3	11	financial	financial	ADJ
fsr-3462	3	12	knowledge	knowledge	NOUN
fsr-3462	3	13	on	on	ADP
fsr-3462	3	14	financial	financial	ADJ
fsr-3462	3	15	behavior	behavior	NOUN
fsr-3462	3	16	regarding	regard	VERB
fsr-3462	3	17	credit	credit	NOUN
fsr-3462	3	18	card	card	NOUN
fsr-3462	3	19	use	use	NOUN
fsr-3462	3	20	in	in	ADP
fsr-3462	3	21	comparison	comparison	NOUN
fsr-3462	3	22	with	with	ADP
fsr-3462	3	23	two	two	NUM
fsr-3462	3	24	other	other	ADJ
fsr-3462	3	25	cohorts	cohort	NOUN
fsr-3462	3	26	;	;	PUNCT
fsr-3462	3	27	cohort	cohort	VERB
fsr-3462	3	28	one	one	NUM
fsr-3462	3	29	answering	answer	VERB
fsr-3462	3	30	correctly	correctly	ADV
fsr-3462	3	31	,	,	PUNCT
fsr-3462	3	32	and	and	CCONJ
fsr-3462	3	33	cohort	cohort	VERB
fsr-3462	3	34	two	two	NUM
fsr-3462	3	35	failing	fail	VERB
fsr-3462	3	36	to	to	PART
fsr-3462	3	37	answer	answer	VERB
fsr-3462	3	38	correctly	correctly	ADV
fsr-3462	3	39	.	.	PUNCT
fsr-3462	4	1	a	a	DET
fsr-3462	4	2	novelty	novelty	NOUN
fsr-3462	4	3	of	of	ADP
fsr-3462	4	4	our	our	PRON
fsr-3462	4	5	study	study	NOUN
fsr-3462	4	6	is	be	AUX
fsr-3462	4	7	that	that	SCONJ
fsr-3462	4	8	we	we	PRON
fsr-3462	4	9	contrast	contrast	VERB
fsr-3462	4	10	these	these	DET
fsr-3462	4	11	results	result	NOUN
fsr-3462	4	12	to	to	ADP
fsr-3462	4	13	the	the	DET
fsr-3462	4	14	behavioral	behavioral	ADJ
fsr-3462	4	15	factors	factor	NOUN
fsr-3462	4	16	of	of	ADP
fsr-3462	4	17	over	over	ADP
fsr-3462	4	18	spending	spending	NOUN
fsr-3462	4	19	and	and	CCONJ
fsr-3462	4	20	surprised	surprised	ADJ
fsr-3462	4	21	levels	level	NOUN
fsr-3462	4	22	of	of	ADP
fsr-3462	4	23	spending	spending	NOUN
fsr-3462	4	24	—	—	PUNCT
fsr-3462	4	25	proxies	proxy	NOUN
fsr-3462	4	26	for	for	ADP
fsr-3462	4	27	personality	personality	NOUN
fsr-3462	4	28	traits	trait	NOUN
fsr-3462	4	29	—	—	PUNCT
fsr-3462	4	30	when	when	SCONJ
fsr-3462	4	31	using	use	VERB
fsr-3462	4	32	credit	credit	NOUN
fsr-3462	4	33	card	card	NOUN
fsr-3462	4	34	.	.	PUNCT
fsr-3462	5	1	our	our	PRON
fsr-3462	5	2	exploratory	exploratory	ADJ
fsr-3462	5	3	empirical	empirical	ADJ
fsr-3462	5	4	findings	finding	NOUN
fsr-3462	5	5	indicate	indicate	VERB
fsr-3462	5	6	that	that	SCONJ
fsr-3462	5	7	among	among	ADP
fsr-3462	5	8	personal	personal	ADJ
fsr-3462	5	9	-	-	PUNCT
fsr-3462	5	10	traits	trait	NOUN
fsr-3462	5	11	considered	consider	VERB
fsr-3462	5	12	in	in	ADP
fsr-3462	5	13	this	this	DET
fsr-3462	5	14	study	study	NOUN
fsr-3462	5	15	overspending	overspending	NOUN
fsr-3462	5	16	results	result	NOUN
fsr-3462	5	17	in	in	ADP
fsr-3462	5	18	lack	lack	NOUN
fsr-3462	5	19	of	of	ADP
fsr-3462	5	20	payment	payment	NOUN
fsr-3462	5	21	in	in	ADP
fsr-3462	5	22	full	full	ADJ
fsr-3462	5	23	in	in	ADP
fsr-3462	5	24	credit	credit	NOUN
fsr-3462	5	25	card	card	NOUN
fsr-3462	5	26	debt	debt	NOUN
fsr-3462	5	27	,	,	PUNCT
fsr-3462	5	28	and	and	CCONJ
fsr-3462	5	29	more	more	ADV
fsr-3462	5	30	importantly	importantly	ADV
fsr-3462	5	31	these	these	DET
fsr-3462	5	32	effects	effect	NOUN
fsr-3462	5	33	dominate	dominate	VERB
fsr-3462	5	34	any	any	DET
fsr-3462	5	35	gains	gain	NOUN
fsr-3462	5	36	derived	derive	VERB
fsr-3462	5	37	from	from	ADP
fsr-3462	5	38	financial	financial	ADJ
fsr-3462	5	39	literacy	literacy	NOUN
fsr-3462	5	40	.	.	PUNCT
fsr-3462	6	1	to	to	ADP
fsr-3462	6	2	this	this	DET
fsr-3462	6	3	extent	extent	NOUN
fsr-3462	6	4	financial	financial	ADJ
fsr-3462	6	5	literacy	literacy	NOUN
fsr-3462	6	6	appears	appear	VERB
fsr-3462	6	7	to	to	PART
fsr-3462	6	8	only	only	ADV
fsr-3462	6	9	play	play	VERB
fsr-3462	6	10	a	a	DET
fsr-3462	6	11	marginal	marginal	ADJ
fsr-3462	6	12	role	role	NOUN
fsr-3462	6	13	avoiding	avoid	VERB
fsr-3462	6	14	month	month	NOUN
fsr-3462	6	15	-	-	PUNCT
fsr-3462	6	16	to	to	ADP
fsr-3462	6	17	-	-	PUNCT
fsr-3462	6	18	month	month	NOUN
fsr-3462	6	19	credit	credit	NOUN
fsr-3462	6	20	card	card	NOUN
fsr-3462	6	21	debt	debt	NOUN
fsr-3462	6	22	.	.	PUNCT
fsr-3462	7	1	furthermore	furthermore	ADV
fsr-3462	7	2	,	,	PUNCT
fsr-3462	7	3	financial	financial	ADJ
fsr-3462	7	4	knowledge	knowledge	NOUN
fsr-3462	7	5	derived	derive	VERB
fsr-3462	7	6	from	from	ADP
fsr-3462	7	7	parents	parent	NOUN
fsr-3462	7	8	has	have	VERB
fsr-3462	7	9	a	a	DET
fsr-3462	7	10	strong	strong	ADJ
fsr-3462	7	11	positive	positive	ADJ
fsr-3462	7	12	effect	effect	NOUN
fsr-3462	7	13	on	on	ADP
fsr-3462	7	14	individuals	individual	NOUN
fsr-3462	7	15	’	'	PUNCT
fsr-3462	7	16	financial	financial	ADJ
fsr-3462	7	17	behavior	behavior	NOUN
fsr-3462	7	18	especially	especially	ADV
fsr-3462	7	19	for	for	ADP
fsr-3462	7	20	students	student	NOUN
fsr-3462	7	21	characterized	characterize	VERB
fsr-3462	7	22	by	by	ADP
fsr-3462	7	23	a	a	DET
fsr-3462	7	24	relevant	relevant	ADJ
fsr-3462	7	25	financial	financial	ADJ
fsr-3462	7	26	illiteracy	illiteracy	NOUN
fsr-3462	7	27	.	.	PUNCT
fsr-3462	8	1	the	the	DET
fsr-3462	8	2	implications	implication	NOUN
fsr-3462	8	3	of	of	ADP
fsr-3462	8	4	this	this	DET
fsr-3462	8	5	research	research	NOUN
fsr-3462	8	6	support	support	VERB
fsr-3462	8	7	the	the	DET
fsr-3462	8	8	argumentation	argumentation	NOUN
fsr-3462	8	9	that	that	SCONJ
fsr-3462	8	10	early	early	ADJ
fsr-3462	8	11	financial	financial	ADJ
fsr-3462	8	12	literacy	literacy	NOUN
fsr-3462	8	13	may	may	AUX
fsr-3462	8	14	have	have	AUX
fsr-3462	8	15	the	the	DET
fsr-3462	8	16	strongest	strong	ADJ
fsr-3462	8	17	effect	effect	NOUN
fsr-3462	8	18	in	in	ADP
fsr-3462	8	19	shaping	shape	VERB
fsr-3462	8	20	individuals	individual	NOUN
fsr-3462	8	21	inherent	inherent	ADJ
fsr-3462	8	22	behavior	behavior	NOUN
fsr-3462	8	23	patterns	pattern	NOUN
fsr-3462	8	24	;	;	PUNCT
fsr-3462	8	25	that	that	PRON
fsr-3462	8	26	is	be	AUX
fsr-3462	8	27	,	,	PUNCT
fsr-3462	8	28	early	early	ADJ
fsr-3462	8	29	exposure	exposure	NOUN
fsr-3462	8	30	to	to	ADP
fsr-3462	8	31	financial	financial	ADJ
fsr-3462	8	32	education	education	NOUN
fsr-3462	8	33	is	be	AUX
fsr-3462	8	34	strictly	strictly	ADV
fsr-3462	8	35	preferred	preferred	ADJ
fsr-3462	8	36	and	and	CCONJ
fsr-3462	8	37	should	should	AUX
fsr-3462	8	38	be	be	AUX
fsr-3462	8	39	promoted	promote	VERB
fsr-3462	8	40	at	at	ADP
fsr-3462	8	41	early	early	ADJ
fsr-3462	8	42	stages	stage	NOUN
fsr-3462	8	43	of	of	ADP
fsr-3462	8	44	the	the	DET
fsr-3462	8	45	educational	educational	ADJ
fsr-3462	8	46	system	system	NOUN
fsr-3462	8	47	.	.	PUNCT
fsr-3462	9	1	©	©	PROPN
fsr-3462	9	2	2021	2021	NUM
fsr-3462	9	3	academy	academy	NOUN
fsr-3462	9	4	of	of	ADP
fsr-3462	9	5	financial	financial	ADJ
fsr-3462	9	6	services	service	NOUN
fsr-3462	9	7	.	.	PUNCT
fsr-3462	10	1	all	all	DET
fsr-3462	10	2	rights	right	NOUN
fsr-3462	10	3	reserved	reserve	VERB
fsr-3462	10	4	.	.	PUNCT
fsr-3462	11	1	jel	jel	PROPN
fsr-3462	11	2	classification	classification	NOUN
fsr-3462	11	3	:	:	PUNCT
fsr-3462	11	4	i22	i22	NOUN
fsr-3462	11	5	;	;	PUNCT
fsr-3462	11	6	g41	g41	NOUN
fsr-3462	11	7	keywords	keyword	NOUN
fsr-3462	11	8	:	:	PUNCT
fsr-3462	11	9	financial	financial	ADJ
fsr-3462	11	10	literacy	literacy	NOUN
fsr-3462	11	11	;	;	PUNCT
fsr-3462	11	12	credit	credit	NOUN
fsr-3462	11	13	card	card	NOUN
fsr-3462	11	14	debt	debt	NOUN
fsr-3462	11	15	;	;	PUNCT
fsr-3462	11	16	college	college	NOUN
fsr-3462	11	17	students	student	NOUN
fsr-3462	11	18	;	;	PUNCT
fsr-3462	11	19	financial	financial	ADJ
fsr-3462	11	20	behavior	behavior	NOUN
fsr-3462	11	21	*	*	PUNCT
fsr-3462	11	22	corresponding	correspond	VERB
fsr-3462	11	23	author	author	NOUN
fsr-3462	11	24	.	.	PUNCT
fsr-3462	12	1	tel	tel	PROPN
fsr-3462	12	2	.	.	PUNCT
fsr-3462	12	3	:	:	PUNCT
fsr-3462	13	1	+39	+39	PROPN
fsr-3462	13	2	02	02	NUM
fsr-3462	13	3	6448	6448	NUM
fsr-3462	13	4	3014	3014	NUM
fsr-3462	13	5	;	;	PUNCT
fsr-3462	13	6	fax	fax	NOUN
fsr-3462	13	7	:	:	PUNCT
fsr-3462	13	8	+39	+39	PROPN
fsr-3462	13	9	02	02	NUM
fsr-3462	13	10	6448	6448	NUM
fsr-3462	13	11	3072	3072	NUM
fsr-3462	13	12	e	e	NOUN
fsr-3462	13	13	-	-	NOUN
fsr-3462	13	14	mail	mail	NOUN
fsr-3462	13	15	address	address	NOUN
fsr-3462	13	16	:	:	PUNCT
fsr-3462	13	17	monica.rossolini@unimib.it	monica.rossolini@unimib.it	NOUN
fsr-3462	13	18	1057	1057	NUM
fsr-3462	13	19	-	-	SYM
fsr-3462	13	20	0810/21/$	0810/21/$	NUM
fsr-3462	13	21	–	–	PUNCT
fsr-3462	13	22	see	see	VERB
fsr-3462	13	23	front	front	ADJ
fsr-3462	13	24	matter	matter	NOUN
fsr-3462	13	25	©	©	PROPN
fsr-3462	13	26	2021	2021	NUM
fsr-3462	13	27	academy	academy	NOUN
fsr-3462	13	28	of	of	ADP
fsr-3462	13	29	financial	financial	ADJ
fsr-3462	13	30	services	service	NOUN
fsr-3462	13	31	.	.	PUNCT
fsr-3462	14	1	all	all	DET
fsr-3462	14	2	rights	right	NOUN
fsr-3462	14	3	reserved	reserve	VERB
fsr-3462	14	4	.	.	PUNCT
fsr-3462	15	1	financial	financial	ADJ
fsr-3462	15	2	services	service	NOUN
fsr-3462	15	3	review	review	VERB
fsr-3462	15	4	29	29	NUM
fsr-3462	15	5	(	(	PUNCT
fsr-3462	15	6	2021	2021	NUM
fsr-3462	15	7	)	)	PUNCT
fsr-3462	15	8	247–276	247–276	NUM
fsr-3462	15	9	1	1	NUM
fsr-3462	15	10	.	.	PUNCT
fsr-3462	16	1	introduction	introduction	NOUN
fsr-3462	16	2	issues	issue	NOUN
fsr-3462	16	3	relating	relate	VERB
fsr-3462	16	4	to	to	ADP
fsr-3462	16	5	financial	financial	ADJ
fsr-3462	16	6	knowledge	knowledge	NOUN
fsr-3462	16	7	and	and	CCONJ
fsr-3462	16	8	individual	individual	ADJ
fsr-3462	16	9	behavioral	behavioral	ADJ
fsr-3462	16	10	patterns	pattern	NOUN
fsr-3462	16	11	are	be	AUX
fsr-3462	16	12	at	at	ADP
fsr-3462	16	13	the	the	DET
fsr-3462	16	14	core	core	NOUN
fsr-3462	16	15	of	of	ADP
fsr-3462	16	16	every	every	DET
fsr-3462	16	17	individual	individual	NOUN
fsr-3462	16	18	’s	’s	PART
fsr-3462	16	19	economic	economic	ADJ
fsr-3462	16	20	decision	decision	NOUN
fsr-3462	16	21	(	(	PUNCT
fsr-3462	16	22	thaler	thaler	NOUN
fsr-3462	16	23	&	&	CCONJ
fsr-3462	16	24	shefrin	shefrin	NOUN
fsr-3462	16	25	,	,	PUNCT
fsr-3462	16	26	1981	1981	NUM
fsr-3462	16	27	)	)	PUNCT
fsr-3462	16	28	.	.	PUNCT
fsr-3462	17	1	it	it	PRON
fsr-3462	17	2	is	be	AUX
fsr-3462	17	3	well	well	ADV
fsr-3462	17	4	documented	document	VERB
fsr-3462	17	5	that	that	SCONJ
fsr-3462	17	6	financially	financially	ADV
fsr-3462	17	7	illiterate	illiterate	ADJ
fsr-3462	17	8	individuals	individual	NOUN
fsr-3462	17	9	incur	incur	VERB
fsr-3462	17	10	in	in	ADP
fsr-3462	17	11	costly	costly	ADJ
fsr-3462	17	12	or	or	CCONJ
fsr-3462	17	13	even	even	ADV
fsr-3462	17	14	improper	improper	ADJ
fsr-3462	17	15	financial	financial	ADJ
fsr-3462	17	16	decisions	decision	NOUN
fsr-3462	17	17	with	with	ADP
fsr-3462	17	18	significant	significant	ADJ
fsr-3462	17	19	negative	negative	ADJ
fsr-3462	17	20	spillover	spillover	NOUN
fsr-3462	17	21	effects	effect	NOUN
fsr-3462	17	22	on	on	ADP
fsr-3462	17	23	other	other	ADJ
fsr-3462	17	24	aspects	aspect	NOUN
fsr-3462	17	25	of	of	ADP
fsr-3462	17	26	their	their	PRON
fsr-3462	17	27	life	life	NOUN
fsr-3462	17	28	(	(	PUNCT
fsr-3462	17	29	see	see	VERB
fsr-3462	17	30	lusardi	lusardi	PROPN
fsr-3462	17	31	&	&	CCONJ
fsr-3462	17	32	mitchell	mitchell	PROPN
fsr-3462	17	33	,	,	PUNCT
fsr-3462	17	34	2007	2007	NUM
fsr-3462	17	35	;	;	PUNCT
fsr-3462	17	36	and	and	CCONJ
fsr-3462	17	37	van	van	PROPN
fsr-3462	17	38	rooij	rooij	NOUN
fsr-3462	17	39	,	,	PUNCT
fsr-3462	17	40	lusardi	lusardi	PROPN
fsr-3462	17	41	,	,	PUNCT
fsr-3462	17	42	&	&	CCONJ
fsr-3462	17	43	alessie	alessie	PROPN
fsr-3462	17	44	,	,	PUNCT
fsr-3462	17	45	2011	2011	NUM
fsr-3462	17	46	,	,	PUNCT
fsr-3462	17	47	2012	2012	NUM
fsr-3462	17	48	,	,	PUNCT
fsr-3462	17	49	among	among	ADP
fsr-3462	17	50	others	other	NOUN
fsr-3462	17	51	)	)	PUNCT
fsr-3462	17	52	.	.	PUNCT
fsr-3462	18	1	for	for	ADP
fsr-3462	18	2	instance	instance	NOUN
fsr-3462	18	3	,	,	PUNCT
fsr-3462	18	4	previous	previous	ADJ
fsr-3462	18	5	studies	study	NOUN
fsr-3462	18	6	demonstrate	demonstrate	VERB
fsr-3462	18	7	(	(	PUNCT
fsr-3462	18	8	see	see	VERB
fsr-3462	18	9	lusardi	lusardi	PROPN
fsr-3462	18	10	&	&	CCONJ
fsr-3462	18	11	mitchell	mitchell	PROPN
fsr-3462	18	12	2014	2014	NUM
fsr-3462	18	13	,	,	PUNCT
fsr-3462	18	14	for	for	ADP
fsr-3462	18	15	an	an	DET
fsr-3462	18	16	excellent	excellent	ADJ
fsr-3462	18	17	review	review	NOUN
fsr-3462	18	18	of	of	ADP
fsr-3462	18	19	the	the	DET
fsr-3462	18	20	literature	literature	NOUN
fsr-3462	18	21	)	)	PUNCT
fsr-3462	18	22	that	that	SCONJ
fsr-3462	18	23	when	when	SCONJ
fsr-3462	18	24	young	young	ADJ
fsr-3462	18	25	people	people	NOUN
fsr-3462	18	26	possessing	possess	VERB
fsr-3462	18	27	low	low	ADJ
fsr-3462	18	28	levels	level	NOUN
fsr-3462	18	29	of	of	ADP
fsr-3462	18	30	financial	financial	ADJ
fsr-3462	18	31	literacy	literacy	NOUN
fsr-3462	18	32	and	and	CCONJ
fsr-3462	18	33	combined	combine	VERB
fsr-3462	18	34	with	with	ADP
fsr-3462	18	35	a	a	DET
fsr-3462	18	36	widespread	widespread	ADJ
fsr-3462	18	37	use	use	NOUN
fsr-3462	18	38	and	and	CCONJ
fsr-3462	18	39	easy	easy	ADJ
fsr-3462	18	40	access	access	NOUN
fsr-3462	18	41	to	to	ADP
fsr-3462	18	42	credit	credit	NOUN
fsr-3462	18	43	cards	card	NOUN
fsr-3462	18	44	(	(	PUNCT
fsr-3462	18	45	especially	especially	ADV
fsr-3462	18	46	among	among	ADP
fsr-3462	18	47	college	college	NOUN
fsr-3462	18	48	students	student	NOUN
fsr-3462	18	49	)	)	PUNCT
fsr-3462	18	50	,	,	PUNCT
fsr-3462	18	51	results	result	VERB
fsr-3462	18	52	in	in	ADP
fsr-3462	18	53	making	make	VERB
fsr-3462	18	54	the	the	DET
fsr-3462	18	55	wrong	wrong	ADJ
fsr-3462	18	56	financial	financial	ADJ
fsr-3462	18	57	decisions	decision	NOUN
fsr-3462	18	58	;	;	PUNCT
fsr-3462	18	59	most	most	ADV
fsr-3462	18	60	notably	notably	ADV
fsr-3462	18	61	carrying	carry	VERB
fsr-3462	18	62	over	over	ADP
fsr-3462	18	63	large	large	ADJ
fsr-3462	18	64	balances	balance	NOUN
fsr-3462	18	65	in	in	ADP
fsr-3462	18	66	credit	credit	NOUN
fsr-3462	18	67	card	card	NOUN
fsr-3462	18	68	debt	debt	NOUN
fsr-3462	18	69	.	.	PUNCT
fsr-3462	19	1	as	as	ADP
fsr-3462	19	2	a	a	DET
fsr-3462	19	3	matter	matter	NOUN
fsr-3462	19	4	of	of	ADP
fsr-3462	19	5	fact	fact	NOUN
fsr-3462	19	6	,	,	PUNCT
fsr-3462	19	7	credit	credit	NOUN
fsr-3462	19	8	card	card	NOUN
fsr-3462	19	9	debt	debt	NOUN
fsr-3462	19	10	coupled	couple	VERB
fsr-3462	19	11	with	with	ADP
fsr-3462	19	12	financial	financial	ADJ
fsr-3462	19	13	illiteracy	illiteracy	NOUN
fsr-3462	19	14	is	be	AUX
fsr-3462	19	15	associated	associate	VERB
fsr-3462	19	16	with	with	ADP
fsr-3462	19	17	unhealthy	unhealthy	ADJ
fsr-3462	19	18	behaviors	behavior	NOUN
fsr-3462	19	19	(	(	PUNCT
fsr-3462	19	20	adams	adams	PROPN
fsr-3462	19	21	&	&	CCONJ
fsr-3462	19	22	moore	moore	PROPN
fsr-3462	19	23	2007	2007	NUM
fsr-3462	19	24	;	;	PUNCT
fsr-3462	20	1	berg	berg	PROPN
fsr-3462	20	2	et	et	PROPN
fsr-3462	20	3	al	al	PROPN
fsr-3462	20	4	.	.	PROPN
fsr-3462	20	5	,	,	PUNCT
fsr-3462	20	6	2010	2010	NUM
fsr-3462	20	7	;	;	PUNCT
fsr-3462	20	8	lyons	lyons	PROPN
fsr-3462	20	9	&	&	CCONJ
fsr-3462	20	10	rogers	rogers	PROPN
fsr-3462	20	11	,	,	PUNCT
fsr-3462	20	12	2004	2004	NUM
fsr-3462	20	13	)	)	PUNCT
fsr-3462	20	14	,	,	PUNCT
fsr-3462	20	15	lower	low	ADJ
fsr-3462	20	16	academic	academic	ADJ
fsr-3462	20	17	performance	performance	NOUN
fsr-3462	20	18	(	(	PUNCT
fsr-3462	20	19	pinto	pinto	NOUN
fsr-3462	20	20	et	et	PROPN
fsr-3462	20	21	al	al	PROPN
fsr-3462	20	22	.	.	PROPN
fsr-3462	20	23	,	,	PUNCT
fsr-3462	20	24	2001	2001	NUM
fsr-3462	20	25	)	)	PUNCT
fsr-3462	20	26	,	,	PUNCT
fsr-3462	20	27	and	and	CCONJ
fsr-3462	20	28	lower	low	ADJ
fsr-3462	20	29	financial	financial	ADJ
fsr-3462	20	30	well	well	NOUN
fsr-3462	20	31	-	-	PUNCT
fsr-3462	20	32	being	be	AUX
fsr-3462	20	33	(	(	PUNCT
fsr-3462	20	34	grable	grable	PROPN
fsr-3462	20	35	&	&	CCONJ
fsr-3462	20	36	joo	joo	PROPN
fsr-3462	20	37	2006	2006	NUM
fsr-3462	20	38	;	;	PUNCT
fsr-3462	20	39	norvilitis	norvilitis	PROPN
fsr-3462	20	40	et	et	PROPN
fsr-3462	20	41	al	al	PROPN
fsr-3462	20	42	.	.	PROPN
fsr-3462	20	43	,	,	PUNCT
fsr-3462	20	44	2006	2006	NUM
fsr-3462	20	45	;	;	PUNCT
fsr-3462	20	46	nelson	nelson	PROPN
fsr-3462	20	47	et	et	PROPN
fsr-3462	20	48	al	al	PROPN
fsr-3462	20	49	.	.	PROPN
fsr-3462	20	50	,	,	PUNCT
fsr-3462	20	51	2008	2008	NUM
fsr-3462	20	52	)	)	PUNCT
fsr-3462	20	53	.	.	PUNCT
fsr-3462	21	1	the	the	DET
fsr-3462	21	2	negative	negative	ADJ
fsr-3462	21	3	effects	effect	NOUN
fsr-3462	21	4	of	of	ADP
fsr-3462	21	5	poor	poor	ADJ
fsr-3462	21	6	financial	financial	ADJ
fsr-3462	21	7	decisions	decision	NOUN
fsr-3462	21	8	are	be	AUX
fsr-3462	21	9	well	well	ADV
fsr-3462	21	10	stated	state	VERB
fsr-3462	21	11	;	;	PUNCT
fsr-3462	21	12	however	however	ADV
fsr-3462	21	13	,	,	PUNCT
fsr-3462	21	14	what	what	PRON
fsr-3462	21	15	causes	cause	VERB
fsr-3462	21	16	and	and	CCONJ
fsr-3462	21	17	fuels	fuel	NOUN
fsr-3462	21	18	this	this	DET
fsr-3462	21	19	behavior	behavior	NOUN
fsr-3462	21	20	is	be	AUX
fsr-3462	21	21	a	a	DET
fsr-3462	21	22	much	much	ADV
fsr-3462	21	23	lesser	less	ADJ
fsr-3462	21	24	study	study	NOUN
fsr-3462	21	25	field	field	NOUN
fsr-3462	21	26	.	.	PUNCT
fsr-3462	22	1	in	in	ADP
fsr-3462	22	2	this	this	DET
fsr-3462	22	3	context	context	NOUN
fsr-3462	22	4	,	,	PUNCT
fsr-3462	22	5	the	the	DET
fsr-3462	22	6	role	role	NOUN
fsr-3462	22	7	of	of	ADP
fsr-3462	22	8	personality	personality	NOUN
fsr-3462	22	9	traits	trait	NOUN
fsr-3462	22	10	,	,	PUNCT
fsr-3462	22	11	individual	individual	ADJ
fsr-3462	22	12	preferences	preference	NOUN
fsr-3462	22	13	with	with	ADP
fsr-3462	22	14	hyperbolic	hyperbolic	ADJ
fsr-3462	22	15	discounting	discounting	NOUN
fsr-3462	22	16	,	,	PUNCT
fsr-3462	22	17	and	and	CCONJ
fsr-3462	22	18	attitudes	attitude	NOUN
fsr-3462	22	19	in	in	ADP
fsr-3462	22	20	influencing	influence	VERB
fsr-3462	22	21	financial	financial	ADJ
fsr-3462	22	22	decision	decision	NOUN
fsr-3462	22	23	-	-	PUNCT
fsr-3462	22	24	making	making	NOUN
fsr-3462	22	25	have	have	AUX
fsr-3462	22	26	been	be	AUX
fsr-3462	22	27	less	less	ADV
fsr-3462	22	28	investigated	investigate	VERB
fsr-3462	22	29	to	to	ADP
fsr-3462	22	30	this	this	DET
fsr-3462	22	31	date	date	NOUN
fsr-3462	22	32	in	in	ADP
fsr-3462	22	33	the	the	DET
fsr-3462	22	34	literature	literature	NOUN
fsr-3462	22	35	.	.	PUNCT
fsr-3462	23	1	this	this	PRON
fsr-3462	23	2	is	be	AUX
fsr-3462	23	3	more	more	ADV
fsr-3462	23	4	interesting	interesting	ADJ
fsr-3462	23	5	as	as	SCONJ
fsr-3462	23	6	these	these	DET
fsr-3462	23	7	issues	issue	NOUN
fsr-3462	23	8	are	be	AUX
fsr-3462	23	9	increasingly	increasingly	ADV
fsr-3462	23	10	attracting	attract	VERB
fsr-3462	23	11	the	the	DET
fsr-3462	23	12	attention	attention	NOUN
fsr-3462	23	13	of	of	ADP
fsr-3462	23	14	psychologists	psychologist	NOUN
fsr-3462	23	15	and	and	CCONJ
fsr-3462	23	16	,	,	PUNCT
fsr-3462	23	17	and	and	CCONJ
fsr-3462	23	18	more	more	ADV
fsr-3462	23	19	recently	recently	ADV
fsr-3462	23	20	yet	yet	ADV
fsr-3462	23	21	to	to	ADP
fsr-3462	23	22	a	a	DET
fsr-3462	23	23	lesser	less	ADJ
fsr-3462	23	24	extent	extent	NOUN
fsr-3462	23	25	economists	economist	NOUN
fsr-3462	23	26	(	(	PUNCT
fsr-3462	23	27	see	see	VERB
fsr-3462	23	28	brown	brown	PROPN
fsr-3462	23	29	&	&	CCONJ
fsr-3462	23	30	taylor	taylor	PROPN
fsr-3462	23	31	,	,	PUNCT
fsr-3462	23	32	2014	2014	NUM
fsr-3462	23	33	and	and	CCONJ
fsr-3462	23	34	barboza	barboza	NOUN
fsr-3462	23	35	,	,	PUNCT
fsr-3462	23	36	2018	2018	NUM
fsr-3462	23	37	,	,	PUNCT
fsr-3462	23	38	for	for	ADP
fsr-3462	23	39	instance	instance	NOUN
fsr-3462	23	40	)	)	PUNCT
fsr-3462	23	41	.	.	PUNCT
fsr-3462	24	1	similarly	similarly	ADV
fsr-3462	24	2	,	,	PUNCT
fsr-3462	24	3	issues	issue	NOUN
fsr-3462	24	4	relating	relate	VERB
fsr-3462	24	5	to	to	ADP
fsr-3462	24	6	one	one	NUM
fsr-3462	24	7	self	self	NOUN
fsr-3462	24	8	’s	’s	PART
fsr-3462	24	9	perception	perception	NOUN
fsr-3462	24	10	(	(	PUNCT
fsr-3462	24	11	i.e.	i.e.	X
fsr-3462	24	12	,	,	PUNCT
fsr-3462	24	13	confidence	confidence	NOUN
fsr-3462	24	14	about	about	ADP
fsr-3462	24	15	one	one	NUM
fsr-3462	24	16	’s	’s	PART
fsr-3462	24	17	knowledge	knowledge	NOUN
fsr-3462	24	18	or	or	CCONJ
fsr-3462	24	19	ability	ability	NOUN
fsr-3462	24	20	to	to	PART
fsr-3462	24	21	conduct	conduct	VERB
fsr-3462	24	22	financial	financial	ADJ
fsr-3462	24	23	decision	decision	NOUN
fsr-3462	24	24	in	in	ADP
fsr-3462	24	25	particular	particular	ADJ
fsr-3462	24	26	)	)	PUNCT
fsr-3462	24	27	has	have	AUX
fsr-3462	24	28	been	be	AUX
fsr-3462	24	29	explored	explore	VERB
fsr-3462	24	30	in	in	ADP
fsr-3462	24	31	the	the	DET
fsr-3462	24	32	realm	realm	NOUN
fsr-3462	24	33	of	of	ADP
fsr-3462	24	34	behavioral	behavioral	ADJ
fsr-3462	24	35	economics	economic	NOUN
fsr-3462	24	36	and	and	CCONJ
fsr-3462	24	37	finance	finance	NOUN
fsr-3462	24	38	(	(	PUNCT
fsr-3462	24	39	thaler	thaler	NOUN
fsr-3462	24	40	,	,	PUNCT
fsr-3462	24	41	1980	1980	NUM
fsr-3462	24	42	;	;	PUNCT
fsr-3462	24	43	thaler	thaler	PROPN
fsr-3462	24	44	&	&	CCONJ
fsr-3462	24	45	shefrin	shefrin	NOUN
fsr-3462	24	46	,	,	PUNCT
fsr-3462	24	47	1981	1981	NUM
fsr-3462	24	48	)	)	PUNCT
fsr-3462	24	49	.	.	PUNCT
fsr-3462	25	1	however	however	ADV
fsr-3462	25	2	,	,	PUNCT
fsr-3462	25	3	despite	despite	SCONJ
fsr-3462	25	4	these	these	DET
fsr-3462	25	5	advances	advance	NOUN
fsr-3462	25	6	,	,	PUNCT
fsr-3462	25	7	it	it	PRON
fsr-3462	25	8	is	be	AUX
fsr-3462	25	9	only	only	ADV
fsr-3462	25	10	until	until	ADP
fsr-3462	25	11	recently	recently	ADV
fsr-3462	25	12	that	that	SCONJ
fsr-3462	25	13	the	the	DET
fsr-3462	25	14	combined	combined	ADJ
fsr-3462	25	15	elements	element	NOUN
fsr-3462	25	16	have	have	AUX
fsr-3462	25	17	become	become	VERB
fsr-3462	25	18	a	a	DET
fsr-3462	25	19	subject	subject	NOUN
fsr-3462	25	20	of	of	ADP
fsr-3462	25	21	analysis	analysis	NOUN
fsr-3462	25	22	in	in	ADP
fsr-3462	25	23	conjunction	conjunction	NOUN
fsr-3462	25	24	.	.	PUNCT
fsr-3462	26	1	more	more	ADV
fsr-3462	26	2	specifically	specifically	ADV
fsr-3462	26	3	the	the	DET
fsr-3462	26	4	actual	actual	ADJ
fsr-3462	26	5	financial	financial	ADJ
fsr-3462	26	6	knowledge	knowledge	NOUN
fsr-3462	26	7	showing	show	VERB
fsr-3462	26	8	that	that	SCONJ
fsr-3462	26	9	overconfident	overconfident	ADJ
fsr-3462	26	10	individuals	individual	NOUN
fsr-3462	26	11	,	,	PUNCT
fsr-3462	26	12	or	or	CCONJ
fsr-3462	26	13	those	those	PRON
fsr-3462	26	14	with	with	ADP
fsr-3462	26	15	high	high	ADJ
fsr-3462	26	16	self	self	NOUN
fsr-3462	26	17	-	-	PUNCT
fsr-3462	26	18	assessed	assess	VERB
fsr-3462	26	19	knowledge	knowledge	NOUN
fsr-3462	26	20	but	but	CCONJ
fsr-3462	26	21	low	low	ADJ
fsr-3462	26	22	actual	actual	ADJ
fsr-3462	26	23	knowledge	knowledge	NOUN
fsr-3462	26	24	,	,	PUNCT
fsr-3462	26	25	have	have	VERB
fsr-3462	26	26	a	a	DET
fsr-3462	26	27	higher	high	ADJ
fsr-3462	26	28	propensity	propensity	NOUN
fsr-3462	26	29	to	to	PART
fsr-3462	26	30	engage	engage	VERB
fsr-3462	26	31	in	in	ADP
fsr-3462	26	32	risky	risky	ADJ
fsr-3462	26	33	(	(	PUNCT
fsr-3462	26	34	costly	costly	ADJ
fsr-3462	26	35	)	)	PUNCT
fsr-3462	26	36	financial	financial	ADJ
fsr-3462	26	37	behaviors	behavior	NOUN
fsr-3462	26	38	(	(	PUNCT
fsr-3462	26	39	tokar	tokar	NOUN
fsr-3462	26	40	asaad	asaad	NOUN
fsr-3462	26	41	,	,	PUNCT
fsr-3462	26	42	2015	2015	NUM
fsr-3462	26	43	;	;	PUNCT
fsr-3462	26	44	brown	brown	PROPN
fsr-3462	26	45	&	&	CCONJ
fsr-3462	26	46	taylor	taylor	PROPN
fsr-3462	26	47	,	,	PUNCT
fsr-3462	26	48	2014	2014	NUM
fsr-3462	26	49	;	;	PUNCT
fsr-3462	26	50	chu	chu	PROPN
fsr-3462	26	51	et	et	PROPN
fsr-3462	26	52	al	al	PROPN
fsr-3462	26	53	.	.	PROPN
fsr-3462	26	54	,	,	PUNCT
fsr-3462	26	55	2017	2017	NUM
fsr-3462	26	56	;	;	PUNCT
fsr-3462	26	57	kramer	kramer	PROPN
fsr-3462	26	58	,	,	PUNCT
fsr-3462	26	59	2016	2016	NUM
fsr-3462	26	60	;	;	PUNCT
fsr-3462	26	61	porto	porto	PROPN
fsr-3462	26	62	&	&	CCONJ
fsr-3462	26	63	xiao	xiao	PROPN
fsr-3462	26	64	,	,	PUNCT
fsr-3462	26	65	2016	2016	NUM
fsr-3462	26	66	;	;	PUNCT
fsr-3462	26	67	xia	xia	PROPN
fsr-3462	26	68	et	et	PROPN
fsr-3462	26	69	al	al	PROPN
fsr-3462	26	70	.	.	PROPN
fsr-3462	26	71	,	,	PUNCT
fsr-3462	26	72	2014	2014	NUM
fsr-3462	26	73	)	)	PUNCT
fsr-3462	26	74	.	.	PUNCT
fsr-3462	27	1	on	on	ADP
fsr-3462	27	2	the	the	DET
fsr-3462	27	3	basis	basis	NOUN
fsr-3462	27	4	of	of	ADP
fsr-3462	27	5	these	these	DET
fsr-3462	27	6	considerations	consideration	NOUN
fsr-3462	27	7	and	and	CCONJ
fsr-3462	27	8	given	give	VERB
fsr-3462	27	9	the	the	DET
fsr-3462	27	10	importance	importance	NOUN
fsr-3462	27	11	that	that	SCONJ
fsr-3462	27	12	financial	financial	ADJ
fsr-3462	27	13	literacy	literacy	NOUN
fsr-3462	27	14	plays	play	VERB
fsr-3462	27	15	in	in	ADP
fsr-3462	27	16	optimal	optimal	ADJ
fsr-3462	27	17	decision	decision	NOUN
fsr-3462	27	18	-	-	PUNCT
fsr-3462	27	19	making	make	VERB
fsr-3462	27	20	processes	process	NOUN
fsr-3462	27	21	,	,	PUNCT
fsr-3462	27	22	our	our	PRON
fsr-3462	27	23	paper	paper	NOUN
fsr-3462	27	24	aims	aim	VERB
fsr-3462	27	25	at	at	ADP
fsr-3462	27	26	studying	study	VERB
fsr-3462	27	27	the	the	DET
fsr-3462	27	28	relationship	relationship	NOUN
fsr-3462	27	29	between	between	ADP
fsr-3462	27	30	individual	individual	ADJ
fsr-3462	27	31	behavior	behavior	NOUN
fsr-3462	27	32	and	and	CCONJ
fsr-3462	27	33	financial	financial	ADJ
fsr-3462	27	34	(	(	PUNCT
fsr-3462	27	35	il)literacy	il)literacy	NOUN
fsr-3462	27	36	.	.	PUNCT
fsr-3462	28	1	more	more	ADV
fsr-3462	28	2	specifically	specifically	ADV
fsr-3462	28	3	,	,	PUNCT
fsr-3462	28	4	we	we	PRON
fsr-3462	28	5	aim	aim	VERB
fsr-3462	28	6	at	at	ADP
fsr-3462	28	7	providing	provide	VERB
fsr-3462	28	8	robust	robust	ADJ
fsr-3462	28	9	empirical	empirical	ADJ
fsr-3462	28	10	evidence	evidence	NOUN
fsr-3462	28	11	useful	useful	ADJ
fsr-3462	28	12	to	to	PART
fsr-3462	28	13	fill	fill	VERB
fsr-3462	28	14	the	the	DET
fsr-3462	28	15	gap	gap	NOUN
fsr-3462	28	16	where	where	SCONJ
fsr-3462	28	17	little	little	ADJ
fsr-3462	28	18	attention	attention	NOUN
fsr-3462	28	19	has	have	AUX
fsr-3462	28	20	been	be	AUX
fsr-3462	28	21	given	give	VERB
fsr-3462	28	22	to	to	PART
fsr-3462	28	23	study	study	VERB
fsr-3462	28	24	the	the	DET
fsr-3462	28	25	impact	impact	NOUN
fsr-3462	28	26	of	of	ADP
fsr-3462	28	27	both	both	CCONJ
fsr-3462	28	28	financial	financial	ADJ
fsr-3462	28	29	literacy	literacy	NOUN
fsr-3462	28	30	and	and	CCONJ
fsr-3462	28	31	of	of	ADP
fsr-3462	28	32	personality	personality	NOUN
fsr-3462	28	33	traits	trait	NOUN
fsr-3462	28	34	,	,	PUNCT
fsr-3462	28	35	preferences	preference	NOUN
fsr-3462	28	36	and	and	CCONJ
fsr-3462	28	37	attitudes	attitude	NOUN
fsr-3462	28	38	on	on	ADP
fsr-3462	28	39	overall	overall	ADJ
fsr-3462	28	40	financial	financial	ADJ
fsr-3462	28	41	behavior	behavior	NOUN
fsr-3462	28	42	measured	measure	VERB
fsr-3462	28	43	as	as	ADP
fsr-3462	28	44	repayment	repayment	NOUN
fsr-3462	28	45	patterns	pattern	NOUN
fsr-3462	28	46	in	in	ADP
fsr-3462	28	47	credit	credit	NOUN
fsr-3462	28	48	card	card	NOUN
fsr-3462	28	49	debt	debt	NOUN
fsr-3462	28	50	.	.	PUNCT
fsr-3462	29	1	specifically	specifically	ADV
fsr-3462	29	2	,	,	PUNCT
fsr-3462	29	3	we	we	PRON
fsr-3462	29	4	hypothesize	hypothesize	VERB
fsr-3462	29	5	that	that	SCONJ
fsr-3462	29	6	regardless	regardless	ADV
fsr-3462	29	7	to	to	ADP
fsr-3462	29	8	one	one	NUM
fsr-3462	29	9	’s	’s	PART
fsr-3462	29	10	financial	financial	ADJ
fsr-3462	29	11	knowledge	knowledge	NOUN
fsr-3462	29	12	level	level	NOUN
fsr-3462	29	13	,	,	PUNCT
fsr-3462	29	14	specific	specific	ADJ
fsr-3462	29	15	personality	personality	NOUN
fsr-3462	29	16	traits	trait	NOUN
fsr-3462	29	17	,	,	PUNCT
fsr-3462	29	18	such	such	ADJ
fsr-3462	29	19	as	as	ADP
fsr-3462	29	20	present	present	ADJ
fsr-3462	29	21	-	-	PUNCT
fsr-3462	29	22	bias	bias	NOUN
fsr-3462	29	23	preferences	preference	NOUN
fsr-3462	29	24	or	or	CCONJ
fsr-3462	29	25	impulse	impulse	ADJ
fsr-3462	29	26	behavior	behavior	NOUN
fsr-3462	29	27	,	,	PUNCT
fsr-3462	29	28	may	may	AUX
fsr-3462	29	29	negatively	negatively	ADV
fsr-3462	29	30	impact	impact	VERB
fsr-3462	29	31	the	the	DET
fsr-3462	29	32	financial	financial	ADJ
fsr-3462	29	33	decision	decision	NOUN
fsr-3462	29	34	-	-	PUNCT
fsr-3462	29	35	making	make	VERB
fsr-3462	29	36	processes	process	NOUN
fsr-3462	29	37	and	and	CCONJ
fsr-3462	29	38	overpower	overpower	VERB
fsr-3462	29	39	the	the	DET
fsr-3462	29	40	(	(	PUNCT
fsr-3462	29	41	potential	potential	ADJ
fsr-3462	29	42	)	)	PUNCT
fsr-3462	29	43	positive	positive	ADJ
fsr-3462	29	44	effects	effect	NOUN
fsr-3462	29	45	from	from	ADP
fsr-3462	29	46	higher	high	ADJ
fsr-3462	29	47	level	level	NOUN
fsr-3462	29	48	of	of	ADP
fsr-3462	29	49	financial	financial	ADJ
fsr-3462	29	50	literacy	literacy	NOUN
fsr-3462	29	51	.	.	PUNCT
fsr-3462	30	1	secondly	secondly	ADV
fsr-3462	30	2	,	,	PUNCT
fsr-3462	30	3	we	we	PRON
fsr-3462	30	4	hypothesize	hypothesize	VERB
fsr-3462	30	5	that	that	SCONJ
fsr-3462	30	6	self	self	NOUN
fsr-3462	30	7	-	-	PUNCT
fsr-3462	30	8	awareness	awareness	NOUN
fsr-3462	30	9	of	of	ADP
fsr-3462	30	10	not	not	PART
fsr-3462	30	11	possessing	possess	VERB
fsr-3462	30	12	a	a	DET
fsr-3462	30	13	strong	strong	ADJ
fsr-3462	30	14	financial	financial	ADJ
fsr-3462	30	15	knowledge	knowledge	NOUN
fsr-3462	30	16	(	(	PUNCT
fsr-3462	30	17	admitted	admit	VERB
fsr-3462	30	18	by	by	ADP
fsr-3462	30	19	choosing	choose	VERB
fsr-3462	30	20	the	the	PRON
fsr-3462	30	21	do	do	AUX
fsr-3462	30	22	not	not	PART
fsr-3462	30	23	know	know	VERB
fsr-3462	30	24	option	option	NOUN
fsr-3462	30	25	in	in	ADP
fsr-3462	30	26	a	a	DET
fsr-3462	30	27	financial	financial	ADJ
fsr-3462	30	28	literacy	literacy	NOUN
fsr-3462	30	29	questionnaire	questionnaire	NOUN
fsr-3462	30	30	)	)	PUNCT
fsr-3462	30	31	may	may	AUX
fsr-3462	30	32	lead	lead	VERB
fsr-3462	30	33	to	to	ADP
fsr-3462	30	34	more	more	ADV
fsr-3462	30	35	conservative	conservative	ADJ
fsr-3462	30	36	financial	financial	ADJ
fsr-3462	30	37	248	248	NUM
fsr-3462	30	38	g.	g.	PROPN
fsr-3462	30	39	barboza	barboza	PROPN
fsr-3462	30	40	et	et	PROPN
fsr-3462	30	41	al	al	PROPN
fsr-3462	30	42	.	.	PUNCT
fsr-3462	30	43	/	/	SYM
fsr-3462	30	44	financial	financial	ADJ
fsr-3462	30	45	services	service	NOUN
fsr-3462	30	46	review	review	VERB
fsr-3462	30	47	29	29	NUM
fsr-3462	30	48	(	(	PUNCT
fsr-3462	30	49	2021	2021	NUM
fsr-3462	30	50	)	)	PUNCT
fsr-3462	30	51	247–276	247–276	NUM
fsr-3462	30	52	decisions	decision	NOUN
fsr-3462	30	53	.	.	PUNCT
fsr-3462	31	1	in	in	ADP
fsr-3462	31	2	turn	turn	NOUN
fsr-3462	31	3	these	these	DET
fsr-3462	31	4	decisions	decision	NOUN
fsr-3462	31	5	could	could	AUX
fsr-3462	31	6	prevent	prevent	VERB
fsr-3462	31	7	individuals	individual	NOUN
fsr-3462	31	8	from	from	ADP
fsr-3462	31	9	assuming	assume	VERB
fsr-3462	31	10	too	too	ADV
fsr-3462	31	11	much	much	ADJ
fsr-3462	31	12	financial	financial	ADJ
fsr-3462	31	13	risk	risk	NOUN
fsr-3462	31	14	,	,	PUNCT
fsr-3462	31	15	resulting	result	VERB
fsr-3462	31	16	in	in	ADP
fsr-3462	31	17	a	a	DET
fsr-3462	31	18	“	"	PUNCT
fsr-3462	31	19	correct	correct	ADJ
fsr-3462	31	20	”	"	PUNCT
fsr-3462	31	21	or	or	CCONJ
fsr-3462	31	22	less	less	ADV
fsr-3462	31	23	costly	costly	ADJ
fsr-3462	31	24	financial	financial	ADJ
fsr-3462	31	25	decision	decision	NOUN
fsr-3462	31	26	.	.	PUNCT
fsr-3462	32	1	this	this	DET
fsr-3462	32	2	paper	paper	NOUN
fsr-3462	32	3	studies	study	NOUN
fsr-3462	32	4	credit	credit	NOUN
fsr-3462	32	5	cards	card	NOUN
fsr-3462	32	6	use	use	VERB
fsr-3462	32	7	among	among	ADP
fsr-3462	32	8	college	college	NOUN
fsr-3462	32	9	students	student	NOUN
fsr-3462	32	10	as	as	SCONJ
fsr-3462	32	11	we	we	PRON
fsr-3462	32	12	investigate	investigate	VERB
fsr-3462	32	13	the	the	DET
fsr-3462	32	14	financial	financial	ADJ
fsr-3462	32	15	behavior	behavior	NOUN
fsr-3462	32	16	and	and	CCONJ
fsr-3462	32	17	decisions	decision	NOUN
fsr-3462	32	18	that	that	PRON
fsr-3462	32	19	college	college	NOUN
fsr-3462	32	20	students	student	NOUN
fsr-3462	32	21	make	make	VERB
fsr-3462	32	22	in	in	ADP
fsr-3462	32	23	terms	term	NOUN
fsr-3462	32	24	of	of	ADP
fsr-3462	32	25	credit	credit	NOUN
fsr-3462	32	26	card	card	NOUN
fsr-3462	32	27	repayment	repayment	NOUN
fsr-3462	32	28	patterns	pattern	NOUN
fsr-3462	32	29	.	.	PUNCT
fsr-3462	33	1	that	that	PRON
fsr-3462	33	2	is	is	ADV
fsr-3462	33	3	,	,	PUNCT
fsr-3462	33	4	whether	whether	SCONJ
fsr-3462	33	5	students	student	NOUN
fsr-3462	33	6	select	select	VERB
fsr-3462	33	7	to	to	PART
fsr-3462	33	8	pay	pay	VERB
fsr-3462	33	9	the	the	DET
fsr-3462	33	10	credit	credit	NOUN
fsr-3462	33	11	card	card	NOUN
fsr-3462	33	12	balance	balance	NOUN
fsr-3462	33	13	in	in	ADP
fsr-3462	33	14	full	full	ADJ
fsr-3462	33	15	every	every	DET
fsr-3462	33	16	billing	billing	NOUN
fsr-3462	33	17	cycle	cycle	NOUN
fsr-3462	33	18	,	,	PUNCT
fsr-3462	33	19	or	or	CCONJ
fsr-3462	33	20	decide	decide	VERB
fsr-3462	33	21	to	to	PART
fsr-3462	33	22	carry	carry	VERB
fsr-3462	33	23	a	a	DET
fsr-3462	33	24	month	month	NOUN
fsr-3462	33	25	-	-	PUNCT
fsr-3462	33	26	to	to	ADP
fsr-3462	33	27	-	-	PUNCT
fsr-3462	33	28	month	month	NOUN
fsr-3462	33	29	balance	balance	NOUN
fsr-3462	33	30	,	,	PUNCT
fsr-3462	33	31	either	either	CCONJ
fsr-3462	33	32	by	by	ADP
fsr-3462	33	33	paying	pay	VERB
fsr-3462	33	34	less	less	ADJ
fsr-3462	33	35	than	than	ADP
fsr-3462	33	36	the	the	DET
fsr-3462	33	37	full	full	ADJ
fsr-3462	33	38	balance	balance	NOUN
fsr-3462	33	39	,	,	PUNCT
fsr-3462	33	40	by	by	ADP
fsr-3462	33	41	only	only	ADV
fsr-3462	33	42	the	the	DET
fsr-3462	33	43	minimum	minimum	ADJ
fsr-3462	33	44	payment	payment	NOUN
fsr-3462	33	45	(	(	PUNCT
fsr-3462	33	46	anchoring	anchoring	NOUN
fsr-3462	33	47	)	)	PUNCT
fsr-3462	33	48	or	or	CCONJ
fsr-3462	33	49	by	by	ADP
fsr-3462	33	50	falling	fall	VERB
fsr-3462	33	51	behind	behind	ADV
fsr-3462	33	52	on	on	ADP
fsr-3462	33	53	their	their	PRON
fsr-3462	33	54	payments	payment	NOUN
fsr-3462	33	55	.	.	PUNCT
fsr-3462	34	1	we	we	PRON
fsr-3462	34	2	use	use	VERB
fsr-3462	34	3	a	a	DET
fsr-3462	34	4	sample	sample	NOUN
fsr-3462	34	5	of	of	ADP
fsr-3462	34	6	156	156	NUM
fsr-3462	34	7	college	college	NOUN
fsr-3462	34	8	students	student	NOUN
fsr-3462	34	9	from	from	ADP
fsr-3462	34	10	the	the	DET
fsr-3462	34	11	united	united	PROPN
fsr-3462	34	12	states	states	PROPN
fsr-3462	34	13	and	and	CCONJ
fsr-3462	34	14	consequently	consequently	ADV
fsr-3462	34	15	estimate	estimate	VERB
fsr-3462	34	16	a	a	DET
fsr-3462	34	17	series	series	NOUN
fsr-3462	34	18	of	of	ADP
fsr-3462	34	19	ordered	order	VERB
fsr-3462	34	20	probit	probit	NOUN
fsr-3462	34	21	models	model	NOUN
fsr-3462	34	22	.	.	PUNCT
fsr-3462	35	1	our	our	PRON
fsr-3462	35	2	results	result	NOUN
fsr-3462	35	3	provide	provide	VERB
fsr-3462	35	4	unique	unique	ADJ
fsr-3462	35	5	empirical	empirical	ADJ
fsr-3462	35	6	evidence	evidence	NOUN
fsr-3462	35	7	by	by	ADP
fsr-3462	35	8	creating	create	VERB
fsr-3462	35	9	a	a	DET
fsr-3462	35	10	distinctive	distinctive	ADJ
fsr-3462	35	11	differentiation	differentiation	NOUN
fsr-3462	35	12	between	between	ADP
fsr-3462	35	13	individuals	individual	NOUN
fsr-3462	35	14	with	with	ADP
fsr-3462	35	15	higher	high	ADJ
fsr-3462	35	16	levels	level	NOUN
fsr-3462	35	17	of	of	ADP
fsr-3462	35	18	financial	financial	ADJ
fsr-3462	35	19	literacy	literacy	NOUN
fsr-3462	35	20	versus	versus	ADP
fsr-3462	35	21	individuals	individual	NOUN
fsr-3462	35	22	declaring	declare	VERB
fsr-3462	35	23	not	not	PART
fsr-3462	35	24	knowing	know	VERB
fsr-3462	35	25	the	the	DET
fsr-3462	35	26	answers	answer	NOUN
fsr-3462	35	27	to	to	ADP
fsr-3462	35	28	financial	financial	ADJ
fsr-3462	35	29	literacy	literacy	NOUN
fsr-3462	35	30	questions	question	NOUN
fsr-3462	35	31	and	and	CCONJ
fsr-3462	35	32	those	those	PRON
fsr-3462	35	33	answering	answer	VERB
fsr-3462	35	34	incorrectly	incorrectly	ADV
fsr-3462	35	35	.	.	PUNCT
fsr-3462	36	1	due	due	ADP
fsr-3462	36	2	to	to	ADP
fsr-3462	36	3	the	the	DET
fsr-3462	36	4	relevance	relevance	NOUN
fsr-3462	36	5	that	that	SCONJ
fsr-3462	36	6	perception	perception	NOUN
fsr-3462	36	7	about	about	ADP
fsr-3462	36	8	oneself	oneself	PRON
fsr-3462	36	9	has	have	AUX
fsr-3462	36	10	on	on	ADP
fsr-3462	36	11	actual	actual	ADJ
fsr-3462	36	12	behavior	behavior	NOUN
fsr-3462	36	13	,	,	PUNCT
fsr-3462	36	14	we	we	PRON
fsr-3462	36	15	bring	bring	VERB
fsr-3462	36	16	forth	forth	ADV
fsr-3462	36	17	the	the	DET
fsr-3462	36	18	hypothesis	hypothesis	NOUN
fsr-3462	36	19	that	that	PRON
fsr-3462	36	20	incorrectly	incorrectly	ADV
fsr-3462	36	21	answering	answer	VERB
fsr-3462	36	22	financial	financial	ADJ
fsr-3462	36	23	questions	question	NOUN
fsr-3462	36	24	versus	versus	ADP
fsr-3462	36	25	answering	answer	VERB
fsr-3462	36	26	“	"	PUNCT
fsr-3462	36	27	i	i	PRON
fsr-3462	36	28	do	do	AUX
fsr-3462	36	29	not	not	PART
fsr-3462	36	30	know	know	VERB
fsr-3462	36	31	”	"	PUNCT
fsr-3462	36	32	may	may	AUX
fsr-3462	36	33	have	have	VERB
fsr-3462	36	34	potentially	potentially	ADV
fsr-3462	36	35	large	large	ADJ
fsr-3462	36	36	implications	implication	NOUN
fsr-3462	36	37	relating	relate	VERB
fsr-3462	36	38	to	to	ADP
fsr-3462	36	39	the	the	DET
fsr-3462	36	40	way	way	NOUN
fsr-3462	36	41	individuals	individual	NOUN
fsr-3462	36	42	react	react	VERB
fsr-3462	36	43	in	in	ADP
fsr-3462	36	44	the	the	DET
fsr-3462	36	45	face	face	NOUN
fsr-3462	36	46	of	of	ADP
fsr-3462	36	47	making	make	VERB
fsr-3462	36	48	—	—	PUNCT
fsr-3462	36	49	important	important	ADJ
fsr-3462	36	50	—	—	PUNCT
fsr-3462	36	51	financial	financial	ADJ
fsr-3462	36	52	decisions	decision	NOUN
fsr-3462	36	53	.	.	PUNCT
fsr-3462	37	1	besides	besides	SCONJ
fsr-3462	37	2	,	,	PUNCT
fsr-3462	37	3	we	we	PRON
fsr-3462	37	4	account	account	VERB
fsr-3462	37	5	for	for	ADP
fsr-3462	37	6	a	a	DET
fsr-3462	37	7	series	series	NOUN
fsr-3462	37	8	of	of	ADP
fsr-3462	37	9	personality	personality	NOUN
fsr-3462	37	10	traits	trait	NOUN
fsr-3462	37	11	(	(	PUNCT
fsr-3462	37	12	namely	namely	ADV
fsr-3462	37	13	overspending	overspending	NOUN
fsr-3462	37	14	,	,	PUNCT
fsr-3462	37	15	anxiety	anxiety	NOUN
fsr-3462	37	16	,	,	PUNCT
fsr-3462	37	17	and	and	CCONJ
fsr-3462	37	18	mental	mental	ADJ
fsr-3462	37	19	accounting	accounting	NOUN
fsr-3462	37	20	issues	issue	NOUN
fsr-3462	37	21	)	)	PUNCT
fsr-3462	37	22	to	to	PART
fsr-3462	37	23	test	test	VERB
fsr-3462	37	24	for	for	ADP
fsr-3462	37	25	their	their	PRON
fsr-3462	37	26	effects	effect	NOUN
fsr-3462	37	27	on	on	ADP
fsr-3462	37	28	financial	financial	ADJ
fsr-3462	37	29	behavior	behavior	NOUN
fsr-3462	37	30	(	(	PUNCT
fsr-3462	37	31	credit	credit	NOUN
fsr-3462	37	32	card	card	NOUN
fsr-3462	37	33	repayment	repayment	NOUN
fsr-3462	37	34	)	)	PUNCT
fsr-3462	37	35	.	.	PUNCT
fsr-3462	38	1	an	an	DET
fsr-3462	38	2	important	important	ADJ
fsr-3462	38	3	finding	finding	NOUN
fsr-3462	38	4	of	of	ADP
fsr-3462	38	5	our	our	PRON
fsr-3462	38	6	study	study	NOUN
fsr-3462	38	7	is	be	AUX
fsr-3462	38	8	that	that	SCONJ
fsr-3462	38	9	these	these	DET
fsr-3462	38	10	personality	personality	NOUN
fsr-3462	38	11	traits	trait	NOUN
fsr-3462	38	12	may	may	AUX
fsr-3462	38	13	have	have	VERB
fsr-3462	38	14	stronger	strong	ADJ
fsr-3462	38	15	(	(	PUNCT
fsr-3462	38	16	negative	negative	ADJ
fsr-3462	38	17	)	)	PUNCT
fsr-3462	38	18	effects	effect	NOUN
fsr-3462	38	19	not	not	PART
fsr-3462	38	20	easily	easily	ADV
fsr-3462	38	21	overcome	overcome	VERB
fsr-3462	38	22	by	by	ADP
fsr-3462	38	23	higher	high	ADJ
fsr-3462	38	24	levels	level	NOUN
fsr-3462	38	25	of	of	ADP
fsr-3462	38	26	financial	financial	ADJ
fsr-3462	38	27	literacy	literacy	NOUN
fsr-3462	38	28	.	.	PUNCT
fsr-3462	39	1	as	as	ADP
fsr-3462	39	2	a	a	DET
fsr-3462	39	3	spoiler	spoiler	NOUN
fsr-3462	39	4	alert	alert	NOUN
fsr-3462	39	5	,	,	PUNCT
fsr-3462	39	6	our	our	PRON
fsr-3462	39	7	exploratory	exploratory	ADJ
fsr-3462	39	8	results	result	NOUN
fsr-3462	39	9	find	find	VERB
fsr-3462	39	10	robust	robust	ADJ
fsr-3462	39	11	evidence	evidence	NOUN
fsr-3462	39	12	indicating	indicate	VERB
fsr-3462	39	13	that	that	SCONJ
fsr-3462	39	14	individuals	individual	NOUN
fsr-3462	39	15	’	'	PUNCT
fsr-3462	39	16	personal	personal	ADJ
fsr-3462	39	17	traits	trait	NOUN
fsr-3462	39	18	are	be	AUX
fsr-3462	39	19	the	the	DET
fsr-3462	39	20	main	main	ADJ
fsr-3462	39	21	driver	driver	NOUN
fsr-3462	39	22	for	for	SCONJ
fsr-3462	39	23	individuals	individual	NOUN
fsr-3462	39	24	to	to	PART
fsr-3462	39	25	accumulate	accumulate	VERB
fsr-3462	39	26	and	and	CCONJ
fsr-3462	39	27	carry	carry	VERB
fsr-3462	39	28	over	over	ADP
fsr-3462	39	29	a	a	DET
fsr-3462	39	30	month	month	NOUN
fsr-3462	39	31	-	-	PUNCT
fsr-3462	39	32	tomonth	tomonth	NOUN
fsr-3462	39	33	balance	balance	NOUN
fsr-3462	39	34	in	in	ADP
fsr-3462	39	35	their	their	PRON
fsr-3462	39	36	credit	credit	NOUN
fsr-3462	39	37	card(s	card(s	NOUN
fsr-3462	39	38	)	)	PUNCT
fsr-3462	39	39	.	.	PUNCT
fsr-3462	40	1	specifically	specifically	ADV
fsr-3462	40	2	,	,	PUNCT
fsr-3462	40	3	attitude	attitude	NOUN
fsr-3462	40	4	towards	towards	ADP
fsr-3462	40	5	overspending	overspending	NOUN
fsr-3462	40	6	is	be	AUX
fsr-3462	40	7	the	the	DET
fsr-3462	40	8	main	main	ADJ
fsr-3462	40	9	factor	factor	NOUN
fsr-3462	40	10	negatively	negatively	ADV
fsr-3462	40	11	affecting	affect	VERB
fsr-3462	40	12	the	the	DET
fsr-3462	40	13	capability	capability	NOUN
fsr-3462	40	14	of	of	ADP
fsr-3462	40	15	individuals	individual	NOUN
fsr-3462	40	16	to	to	PART
fsr-3462	40	17	repay	repay	VERB
fsr-3462	40	18	in	in	ADP
fsr-3462	40	19	full	full	ADJ
fsr-3462	40	20	credit	credit	NOUN
fsr-3462	40	21	card	card	NOUN
fsr-3462	40	22	debt	debt	NOUN
fsr-3462	40	23	every	every	DET
fsr-3462	40	24	billing	billing	NOUN
fsr-3462	40	25	cycle	cycle	NOUN
fsr-3462	40	26	.	.	PUNCT
fsr-3462	41	1	this	this	DET
fsr-3462	41	2	result	result	NOUN
fsr-3462	41	3	is	be	AUX
fsr-3462	41	4	in	in	ADP
fsr-3462	41	5	line	line	NOUN
fsr-3462	41	6	and	and	CCONJ
fsr-3462	41	7	provides	provide	VERB
fsr-3462	41	8	statistical	statistical	ADJ
fsr-3462	41	9	support	support	NOUN
fsr-3462	41	10	to	to	ADP
fsr-3462	41	11	the	the	DET
fsr-3462	41	12	importance	importance	NOUN
fsr-3462	41	13	of	of	ADP
fsr-3462	41	14	mental	mental	ADJ
fsr-3462	41	15	accounting	accounting	NOUN
fsr-3462	41	16	issues	issue	NOUN
fsr-3462	41	17	faced	face	VERB
fsr-3462	41	18	by	by	ADP
fsr-3462	41	19	individuals	individual	NOUN
fsr-3462	41	20	with	with	ADP
fsr-3462	41	21	present	present	ADJ
fsr-3462	41	22	bias	bias	NOUN
fsr-3462	41	23	preferences	preference	NOUN
fsr-3462	41	24	.	.	PUNCT
fsr-3462	42	1	we	we	PRON
fsr-3462	42	2	also	also	ADV
fsr-3462	42	3	find	find	VERB
fsr-3462	42	4	,	,	PUNCT
fsr-3462	42	5	contrary	contrary	ADJ
fsr-3462	42	6	to	to	ADP
fsr-3462	42	7	previous	previous	ADJ
fsr-3462	42	8	literature	literature	NOUN
fsr-3462	42	9	(	(	PUNCT
fsr-3462	42	10	norvilitis	norvilitis	PROPN
fsr-3462	42	11	et	et	PROPN
fsr-3462	42	12	al	al	PROPN
fsr-3462	42	13	.	.	PROPN
fsr-3462	42	14	,	,	PUNCT
fsr-3462	42	15	2006	2006	NUM
fsr-3462	42	16	;	;	PUNCT
fsr-3462	42	17	robb	robb	NOUN
fsr-3462	42	18	,	,	PUNCT
fsr-3462	42	19	2011	2011	NUM
fsr-3462	42	20	;	;	PUNCT
fsr-3462	42	21	shim	shim	NOUN
fsr-3462	42	22	et	et	PROPN
fsr-3462	42	23	al	al	PROPN
fsr-3462	42	24	.	.	PROPN
fsr-3462	42	25	,	,	PUNCT
fsr-3462	42	26	2009	2009	NUM
fsr-3462	42	27	,	,	PUNCT
fsr-3462	42	28	2010	2010	NUM
fsr-3462	42	29	)	)	PUNCT
fsr-3462	42	30	,	,	PUNCT
fsr-3462	42	31	that	that	SCONJ
fsr-3462	42	32	a	a	DET
fsr-3462	42	33	higher	high	ADJ
fsr-3462	42	34	level	level	NOUN
fsr-3462	42	35	of	of	ADP
fsr-3462	42	36	financial	financial	ADJ
fsr-3462	42	37	literacy	literacy	NOUN
fsr-3462	42	38	is	be	AUX
fsr-3462	42	39	not	not	PART
fsr-3462	42	40	a	a	DET
fsr-3462	42	41	fundamental	fundamental	ADJ
fsr-3462	42	42	and	and	CCONJ
fsr-3462	42	43	it	it	PRON
fsr-3462	42	44	only	only	ADV
fsr-3462	42	45	controls	control	VERB
fsr-3462	42	46	on	on	ADP
fsr-3462	42	47	the	the	DET
fsr-3462	42	48	margin	margin	NOUN
fsr-3462	42	49	for	for	ADP
fsr-3462	42	50	personal	personal	ADJ
fsr-3462	42	51	traits	trait	NOUN
fsr-3462	42	52	and	and	CCONJ
fsr-3462	42	53	attitudes	attitude	NOUN
fsr-3462	42	54	(	(	PUNCT
fsr-3462	42	55	overspending	overspending	NOUN
fsr-3462	42	56	,	,	PUNCT
fsr-3462	42	57	lack	lack	NOUN
fsr-3462	42	58	of	of	ADP
fsr-3462	42	59	self	self	NOUN
fsr-3462	42	60	-	-	PUNCT
fsr-3462	42	61	control	control	NOUN
fsr-3462	42	62	,	,	PUNCT
fsr-3462	42	63	and	and	CCONJ
fsr-3462	42	64	issues	issue	NOUN
fsr-3462	42	65	related	relate	VERB
fsr-3462	42	66	to	to	ADP
fsr-3462	42	67	poor	poor	ADJ
fsr-3462	42	68	mental	mental	ADJ
fsr-3462	42	69	accounting	accounting	NOUN
fsr-3462	42	70	)	)	PUNCT
fsr-3462	42	71	.	.	PUNCT
fsr-3462	43	1	furthermore	furthermore	ADV
fsr-3462	43	2	,	,	PUNCT
fsr-3462	43	3	financial	financial	ADJ
fsr-3462	43	4	knowledge	knowledge	NOUN
fsr-3462	43	5	derived	derive	VERB
fsr-3462	43	6	from	from	ADP
fsr-3462	43	7	parents	parent	NOUN
fsr-3462	43	8	has	have	VERB
fsr-3462	43	9	a	a	DET
fsr-3462	43	10	strong	strong	ADJ
fsr-3462	43	11	positive	positive	ADJ
fsr-3462	43	12	effect	effect	NOUN
fsr-3462	43	13	on	on	ADP
fsr-3462	43	14	individuals	individual	NOUN
fsr-3462	43	15	’	'	PUNCT
fsr-3462	43	16	financial	financial	ADJ
fsr-3462	43	17	behavior	behavior	NOUN
fsr-3462	43	18	especially	especially	ADV
fsr-3462	43	19	for	for	ADP
fsr-3462	43	20	people	people	NOUN
fsr-3462	43	21	characterized	characterize	VERB
fsr-3462	43	22	by	by	ADP
fsr-3462	43	23	high	high	ADJ
fsr-3462	43	24	levels	level	NOUN
fsr-3462	43	25	of	of	ADP
fsr-3462	43	26	financial	financial	ADJ
fsr-3462	43	27	illiteracy	illiteracy	NOUN
fsr-3462	43	28	.	.	PUNCT
fsr-3462	44	1	our	our	PRON
fsr-3462	44	2	findings	finding	NOUN
fsr-3462	44	3	reinforce	reinforce	VERB
fsr-3462	44	4	the	the	DET
fsr-3462	44	5	evidence	evidence	NOUN
fsr-3462	44	6	of	of	ADP
fsr-3462	44	7	those	those	DET
fsr-3462	44	8	studies	study	NOUN
fsr-3462	44	9	that	that	PRON
fsr-3462	44	10	specifically	specifically	ADV
fsr-3462	44	11	investigated	investigate	VERB
fsr-3462	44	12	the	the	DET
fsr-3462	44	13	relationship	relationship	NOUN
fsr-3462	44	14	between	between	ADP
fsr-3462	44	15	the	the	DET
fsr-3462	44	16	role	role	NOUN
fsr-3462	44	17	of	of	ADP
fsr-3462	44	18	parents	parent	NOUN
fsr-3462	44	19	and	and	CCONJ
fsr-3462	44	20	the	the	DET
fsr-3462	44	21	(	(	PUNCT
fsr-3462	44	22	mis)use	mis)use	PROPN
fsr-3462	44	23	of	of	ADP
fsr-3462	44	24	credit	credit	NOUN
fsr-3462	44	25	cards	card	NOUN
fsr-3462	44	26	by	by	ADP
fsr-3462	44	27	college	college	NOUN
fsr-3462	44	28	students	student	NOUN
fsr-3462	44	29	(	(	PUNCT
fsr-3462	44	30	hancock	hancock	PROPN
fsr-3462	44	31	et	et	PROPN
fsr-3462	44	32	al	al	PROPN
fsr-3462	44	33	.	.	PROPN
fsr-3462	44	34	,	,	PUNCT
fsr-3462	44	35	2013	2013	NUM
fsr-3462	44	36	;	;	PUNCT
fsr-3462	44	37	xiao	xiao	PROPN
fsr-3462	44	38	et	et	PROPN
fsr-3462	44	39	al	al	PROPN
fsr-3462	44	40	.	.	PROPN
fsr-3462	44	41	,	,	PUNCT
fsr-3462	44	42	2011	2011	NUM
fsr-3462	44	43	)	)	PUNCT
fsr-3462	44	44	.	.	PUNCT
fsr-3462	45	1	our	our	PRON
fsr-3462	45	2	findings	finding	NOUN
fsr-3462	45	3	may	may	AUX
fsr-3462	45	4	serve	serve	VERB
fsr-3462	45	5	policy	policy	NOUN
fsr-3462	45	6	makers	maker	NOUN
fsr-3462	45	7	when	when	SCONJ
fsr-3462	45	8	designing	design	VERB
fsr-3462	45	9	specific	specific	ADJ
fsr-3462	45	10	policies	policy	NOUN
fsr-3462	45	11	aimed	aim	VERB
fsr-3462	45	12	at	at	ADP
fsr-3462	45	13	avoiding	avoid	VERB
fsr-3462	45	14	,	,	PUNCT
fsr-3462	45	15	or	or	CCONJ
fsr-3462	45	16	reducing	reducing	NOUN
fsr-3462	45	17	,	,	PUNCT
fsr-3462	45	18	debt	debt	NOUN
fsr-3462	45	19	traps	trap	NOUN
fsr-3462	45	20	and	and	CCONJ
fsr-3462	45	21	socio	socio	NOUN
fsr-3462	45	22	-	-	PUNCT
fsr-3462	45	23	economic	economic	ADJ
fsr-3462	45	24	vulnerability	vulnerability	NOUN
fsr-3462	45	25	of	of	ADP
fsr-3462	45	26	the	the	DET
fsr-3462	45	27	borrower	borrower	NOUN
fsr-3462	45	28	.	.	PUNCT
fsr-3462	46	1	our	our	PRON
fsr-3462	46	2	paper	paper	NOUN
fsr-3462	46	3	contributes	contribute	VERB
fsr-3462	46	4	to	to	ADP
fsr-3462	46	5	the	the	DET
fsr-3462	46	6	extant	extant	ADJ
fsr-3462	46	7	literature	literature	NOUN
fsr-3462	46	8	in	in	ADP
fsr-3462	46	9	at	at	ADV
fsr-3462	46	10	least	least	ADV
fsr-3462	46	11	three	three	NUM
fsr-3462	46	12	strands	strand	NOUN
fsr-3462	46	13	.	.	PUNCT
fsr-3462	47	1	at	at	ADP
fsr-3462	47	2	this	this	DET
fsr-3462	47	3	point	point	NOUN
fsr-3462	47	4	we	we	PRON
fsr-3462	47	5	do	do	AUX
fsr-3462	47	6	not	not	PART
fsr-3462	47	7	make	make	VERB
fsr-3462	47	8	any	any	DET
fsr-3462	47	9	claim	claim	NOUN
fsr-3462	47	10	to	to	PART
fsr-3462	47	11	make	make	VERB
fsr-3462	47	12	a	a	DET
fsr-3462	47	13	theoretical	theoretical	ADJ
fsr-3462	47	14	contribution	contribution	NOUN
fsr-3462	47	15	to	to	ADP
fsr-3462	47	16	the	the	DET
fsr-3462	47	17	field	field	NOUN
fsr-3462	47	18	.	.	PUNCT
fsr-3462	48	1	our	our	PRON
fsr-3462	48	2	contributions	contribution	NOUN
fsr-3462	48	3	are	be	AUX
fsr-3462	48	4	empirical	empirical	ADJ
fsr-3462	48	5	and	and	CCONJ
fsr-3462	48	6	they	they	PRON
fsr-3462	48	7	are	be	AUX
fsr-3462	48	8	as	as	SCONJ
fsr-3462	48	9	follows	follow	VERB
fsr-3462	48	10	.	.	PUNCT
fsr-3462	49	1	first	first	ADV
fsr-3462	49	2	,	,	PUNCT
fsr-3462	49	3	we	we	PRON
fsr-3462	49	4	provide	provide	VERB
fsr-3462	49	5	a	a	DET
fsr-3462	49	6	unique	unique	ADJ
fsr-3462	49	7	and	and	CCONJ
fsr-3462	49	8	innovative	innovative	ADJ
fsr-3462	49	9	empirical	empirical	ADJ
fsr-3462	49	10	break	break	NOUN
fsr-3462	49	11	down	down	ADP
fsr-3462	49	12	between	between	ADP
fsr-3462	49	13	financial	financial	ADJ
fsr-3462	49	14	literacy	literacy	NOUN
fsr-3462	49	15	and	and	CCONJ
fsr-3462	49	16	financial	financial	ADJ
fsr-3462	49	17	illiteracy	illiteracy	NOUN
fsr-3462	49	18	.	.	PUNCT
fsr-3462	50	1	in	in	ADP
fsr-3462	50	2	particular	particular	ADJ
fsr-3462	50	3	we	we	PRON
fsr-3462	50	4	separate	separate	VERB
fsr-3462	50	5	wrong	wrong	ADJ
fsr-3462	50	6	answering	answer	VERB
fsr-3462	50	7	to	to	ADP
fsr-3462	50	8	a	a	DET
fsr-3462	50	9	standard	standard	ADJ
fsr-3462	50	10	financial	financial	ADJ
fsr-3462	50	11	literacy	literacy	NOUN
fsr-3462	50	12	questionnaire	questionnaire	NOUN
fsr-3462	50	13	(	(	PUNCT
fsr-3462	50	14	five	five	NUM
fsr-3462	50	15	questions	question	NOUN
fsr-3462	50	16	in	in	ADP
fsr-3462	50	17	total	total	NOUN
fsr-3462	50	18	;	;	PUNCT
fsr-3462	50	19	see	see	VERB
fsr-3462	50	20	section	section	NOUN
fsr-3462	50	21	2	2	NUM
fsr-3462	50	22	for	for	ADP
fsr-3462	50	23	more	more	ADJ
fsr-3462	50	24	details	detail	NOUN
fsr-3462	50	25	on	on	ADP
fsr-3462	50	26	the	the	DET
fsr-3462	50	27	questionnaire	questionnaire	NOUN
fsr-3462	50	28	)	)	PUNCT
fsr-3462	50	29	between	between	ADP
fsr-3462	50	30	incorrect	incorrect	ADJ
fsr-3462	50	31	answering	answering	NOUN
fsr-3462	50	32	and	and	CCONJ
fsr-3462	50	33	do	do	AUX
fsr-3462	50	34	not	not	PART
fsr-3462	50	35	know	know	VERB
fsr-3462	50	36	responses	response	NOUN
fsr-3462	50	37	.	.	PUNCT
fsr-3462	51	1	the	the	DET
fsr-3462	51	2	former	former	ADJ
fsr-3462	51	3	is	be	AUX
fsr-3462	51	4	classified	classify	VERB
fsr-3462	51	5	as	as	ADP
fsr-3462	51	6	an	an	DET
fsr-3462	51	7	attempt	attempt	NOUN
fsr-3462	51	8	to	to	PART
fsr-3462	51	9	respond	respond	VERB
fsr-3462	51	10	and	and	CCONJ
fsr-3462	51	11	measures	measure	VERB
fsr-3462	51	12	an	an	DET
fsr-3462	51	13	overconfidence	overconfidence	NOUN
fsr-3462	51	14	about	about	ADP
fsr-3462	51	15	one	one	NUM
fsr-3462	51	16	’s	’s	PART
fsr-3462	51	17	actual	actual	ADJ
fsr-3462	51	18	knowledge	knowledge	NOUN
fsr-3462	51	19	which	which	PRON
fsr-3462	51	20	at	at	ADP
fsr-3462	51	21	the	the	DET
fsr-3462	51	22	end	end	NOUN
fsr-3462	51	23	is	be	AUX
fsr-3462	51	24	revealed	reveal	VERB
fsr-3462	51	25	to	to	PART
fsr-3462	51	26	be	be	AUX
fsr-3462	51	27	poor	poor	ADJ
fsr-3462	51	28	(	(	PUNCT
fsr-3462	51	29	overconfidence	overconfidence	NOUN
fsr-3462	51	30	)	)	PUNCT
fsr-3462	51	31	.	.	PUNCT
fsr-3462	52	1	whereas	whereas	SCONJ
fsr-3462	52	2	the	the	DET
fsr-3462	52	3	latter	latter	NOUN
fsr-3462	52	4	represents	represent	VERB
fsr-3462	52	5	a	a	DET
fsr-3462	52	6	direct	direct	ADJ
fsr-3462	52	7	answer	answer	NOUN
fsr-3462	52	8	to	to	ADP
fsr-3462	52	9	not	not	PART
fsr-3462	52	10	knowing	know	VERB
fsr-3462	52	11	and	and	CCONJ
fsr-3462	52	12	therefore	therefore	ADV
fsr-3462	52	13	to	to	PART
fsr-3462	52	14	not	not	PART
fsr-3462	52	15	possess	possess	VERB
fsr-3462	52	16	overconfidence	overconfidence	NOUN
fsr-3462	52	17	on	on	ADP
fsr-3462	52	18	his	his	PRON
fsr-3462	52	19	or	or	CCONJ
fsr-3462	52	20	her	her	PRON
fsr-3462	52	21	g.	g.	PROPN
fsr-3462	52	22	barboza	barboza	PROPN
fsr-3462	53	1	et	et	PROPN
fsr-3462	53	2	al	al	PROPN
fsr-3462	53	3	.	.	PUNCT
fsr-3462	53	4	/	/	SYM
fsr-3462	53	5	financial	financial	ADJ
fsr-3462	53	6	services	service	NOUN
fsr-3462	53	7	review	review	VERB
fsr-3462	53	8	29	29	NUM
fsr-3462	53	9	(	(	PUNCT
fsr-3462	53	10	2021	2021	NUM
fsr-3462	53	11	)	)	PUNCT
fsr-3462	53	12	247–276	247–276	NUM
fsr-3462	53	13	249	249	NUM
fsr-3462	53	14	knowledge	knowledge	NOUN
fsr-3462	53	15	level	level	NOUN
fsr-3462	53	16	.	.	PUNCT
fsr-3462	54	1	it	it	PRON
fsr-3462	54	2	is	be	AUX
fsr-3462	54	3	relevant	relevant	ADJ
fsr-3462	54	4	to	to	PART
fsr-3462	54	5	point	point	VERB
fsr-3462	54	6	out	out	ADP
fsr-3462	54	7	that	that	SCONJ
fsr-3462	54	8	while	while	SCONJ
fsr-3462	54	9	at	at	ADP
fsr-3462	54	10	present	present	ADJ
fsr-3462	54	11	previous	previous	ADJ
fsr-3462	54	12	research	research	NOUN
fsr-3462	54	13	has	have	AUX
fsr-3462	54	14	studied	study	VERB
fsr-3462	54	15	the	the	DET
fsr-3462	54	16	role	role	NOUN
fsr-3462	54	17	of	of	ADP
fsr-3462	54	18	financial	financial	ADJ
fsr-3462	54	19	literacy	literacy	NOUN
fsr-3462	54	20	(	(	PUNCT
fsr-3462	54	21	correct	correct	ADJ
fsr-3462	54	22	/	/	SYM
fsr-3462	54	23	incorrect	incorrect	ADJ
fsr-3462	54	24	)	)	PUNCT
fsr-3462	54	25	in	in	ADP
fsr-3462	54	26	decision	decision	NOUN
fsr-3462	54	27	making	making	NOUN
fsr-3462	54	28	,	,	PUNCT
fsr-3462	54	29	little	little	ADJ
fsr-3462	54	30	has	have	AUX
fsr-3462	54	31	been	be	AUX
fsr-3462	54	32	dedicated	dedicate	VERB
fsr-3462	54	33	to	to	PART
fsr-3462	54	34	study	study	VERB
fsr-3462	54	35	the	the	DET
fsr-3462	54	36	relation	relation	NOUN
fsr-3462	54	37	to	to	ADP
fsr-3462	54	38	how	how	SCONJ
fsr-3462	54	39	much	much	ADJ
fsr-3462	54	40	people	people	NOUN
fsr-3462	54	41	actually	actually	ADV
fsr-3462	54	42	do	do	AUX
fsr-3462	54	43	not	not	PART
fsr-3462	54	44	know	know	VERB
fsr-3462	54	45	or	or	CCONJ
fsr-3462	54	46	believe	believe	VERB
fsr-3462	54	47	they	they	PRON
fsr-3462	54	48	do	do	AUX
fsr-3462	54	49	not	not	PART
fsr-3462	54	50	know	know	VERB
fsr-3462	54	51	.	.	PUNCT
fsr-3462	55	1	therefore	therefore	ADV
fsr-3462	55	2	,	,	PUNCT
fsr-3462	55	3	our	our	PRON
fsr-3462	55	4	central	central	ADJ
fsr-3462	55	5	contributing	contributing	NOUN
fsr-3462	55	6	focuses	focus	VERB
fsr-3462	55	7	on	on	ADP
fsr-3462	55	8	accounting	account	VERB
fsr-3462	55	9	the	the	DET
fsr-3462	55	10	magnitude	magnitude	NOUN
fsr-3462	55	11	and	and	CCONJ
fsr-3462	55	12	explicit	explicit	ADJ
fsr-3462	55	13	separation	separation	NOUN
fsr-3462	55	14	between	between	ADP
fsr-3462	55	15	an	an	DET
fsr-3462	55	16	inaccurate	inaccurate	ADJ
fsr-3462	55	17	perception	perception	NOUN
fsr-3462	55	18	of	of	ADP
fsr-3462	55	19	knowledge	knowledge	NOUN
fsr-3462	55	20	level	level	NOUN
fsr-3462	55	21	leading	lead	VERB
fsr-3462	55	22	to	to	ADP
fsr-3462	55	23	incorrectly	incorrectly	ADV
fsr-3462	55	24	answering	answer	VERB
fsr-3462	55	25	,	,	PUNCT
fsr-3462	55	26	versus	versus	SCONJ
fsr-3462	55	27	individuals	individual	NOUN
fsr-3462	55	28	actually	actually	ADV
fsr-3462	55	29	not	not	PART
fsr-3462	55	30	knowing	know	VERB
fsr-3462	55	31	and	and	CCONJ
fsr-3462	55	32	clearly	clearly	ADV
fsr-3462	55	33	revealing	reveal	VERB
fsr-3462	55	34	this	this	DET
fsr-3462	55	35	lack	lack	NOUN
fsr-3462	55	36	of	of	ADP
fsr-3462	55	37	knowledge.1	knowledge.1	PROPN
fsr-3462	55	38	to	to	ADP
fsr-3462	55	39	the	the	DET
fsr-3462	55	40	best	good	ADJ
fsr-3462	55	41	of	of	ADP
fsr-3462	55	42	our	our	PRON
fsr-3462	55	43	knowledge	knowledge	NOUN
fsr-3462	55	44	,	,	PUNCT
fsr-3462	55	45	we	we	PRON
fsr-3462	55	46	are	be	AUX
fsr-3462	55	47	the	the	DET
fsr-3462	55	48	first	first	ADJ
fsr-3462	55	49	to	to	PART
fsr-3462	55	50	explore	explore	VERB
fsr-3462	55	51	this	this	PRON
fsr-3462	55	52	issue.2	issue.2	NOUN
fsr-3462	55	53	secondly	secondly	ADV
fsr-3462	55	54	,	,	PUNCT
fsr-3462	55	55	we	we	PRON
fsr-3462	55	56	study	study	VERB
fsr-3462	55	57	the	the	DET
fsr-3462	55	58	effect	effect	NOUN
fsr-3462	55	59	of	of	ADP
fsr-3462	55	60	consumption	consumption	NOUN
fsr-3462	55	61	and	and	CCONJ
fsr-3462	55	62	spending	spending	NOUN
fsr-3462	55	63	patterns	pattern	NOUN
fsr-3462	55	64	,	,	PUNCT
fsr-3462	55	65	as	as	SCONJ
fsr-3462	55	66	they	they	PRON
fsr-3462	55	67	relate	relate	VERB
fsr-3462	55	68	to	to	ADP
fsr-3462	55	69	overspending	overspending	NOUN
fsr-3462	55	70	(	(	PUNCT
fsr-3462	55	71	present	present	ADJ
fsr-3462	55	72	bias	bias	NOUN
fsr-3462	55	73	)	)	PUNCT
fsr-3462	55	74	and	and	CCONJ
fsr-3462	55	75	surprised	surprised	ADJ
fsr-3462	55	76	factors	factor	NOUN
fsr-3462	55	77	(	(	PUNCT
fsr-3462	55	78	inadequate	inadequate	ADJ
fsr-3462	55	79	mental	mental	ADJ
fsr-3462	55	80	accounting	accounting	NOUN
fsr-3462	55	81	)	)	PUNCT
fsr-3462	55	82	as	as	SCONJ
fsr-3462	55	83	they	they	PRON
fsr-3462	55	84	lead	lead	VERB
fsr-3462	55	85	to	to	ADP
fsr-3462	55	86	credit	credit	NOUN
fsr-3462	55	87	card	card	NOUN
fsr-3462	55	88	debt	debt	NOUN
fsr-3462	55	89	accumulation	accumulation	NOUN
fsr-3462	55	90	.	.	PUNCT
fsr-3462	56	1	the	the	DET
fsr-3462	56	2	issues	issue	NOUN
fsr-3462	56	3	at	at	ADP
fsr-3462	56	4	stake	stake	NOUN
fsr-3462	56	5	here	here	ADV
fsr-3462	56	6	are	be	AUX
fsr-3462	56	7	similar	similar	ADJ
fsr-3462	56	8	to	to	ADP
fsr-3462	56	9	those	those	PRON
fsr-3462	56	10	first	first	ADV
fsr-3462	56	11	introduced	introduce	VERB
fsr-3462	56	12	by	by	ADP
fsr-3462	56	13	thaler	thaler	PROPN
fsr-3462	56	14	(	(	PUNCT
fsr-3462	56	15	1980	1980	NUM
fsr-3462	56	16	)	)	PUNCT
fsr-3462	56	17	and	and	CCONJ
fsr-3462	56	18	thaler	thaler	NOUN
fsr-3462	56	19	and	and	CCONJ
fsr-3462	56	20	shefrin	shefrin	NOUN
fsr-3462	56	21	(	(	PUNCT
fsr-3462	56	22	1981	1981	NUM
fsr-3462	56	23	)	)	PUNCT
fsr-3462	56	24	on	on	ADP
fsr-3462	56	25	the	the	DET
fsr-3462	56	26	different	different	ADJ
fsr-3462	56	27	effects	effect	NOUN
fsr-3462	56	28	that	that	PRON
fsr-3462	56	29	individual	individual	ADJ
fsr-3462	56	30	mental	mental	ADJ
fsr-3462	56	31	accounting	accounting	NOUN
fsr-3462	56	32	patterns	pattern	NOUN
fsr-3462	56	33	may	may	AUX
fsr-3462	56	34	have	have	VERB
fsr-3462	56	35	between	between	ADP
fsr-3462	56	36	a	a	DET
fsr-3462	56	37	planner	planner	NOUN
fsr-3462	56	38	(	(	PUNCT
fsr-3462	56	39	sophisticated	sophisticated	ADJ
fsr-3462	56	40	self	self	NOUN
fsr-3462	56	41	)	)	PUNCT
fsr-3462	56	42	and	and	CCONJ
fsr-3462	56	43	doer	doer	NOUN
fsr-3462	56	44	(	(	PUNCT
fsr-3462	56	45	naı̈ve	naı̈ve	PROPN
fsr-3462	56	46	self	self	NOUN
fsr-3462	56	47	)	)	PUNCT
fsr-3462	56	48	.	.	PUNCT
fsr-3462	57	1	more	more	ADV
fsr-3462	57	2	specifically	specifically	ADV
fsr-3462	57	3	,	,	PUNCT
fsr-3462	57	4	the	the	DET
fsr-3462	57	5	decisions	decision	NOUN
fsr-3462	57	6	individuals	individual	NOUN
fsr-3462	57	7	have	have	VERB
fsr-3462	57	8	to	to	PART
fsr-3462	57	9	make	make	VERB
fsr-3462	57	10	include	include	VERB
fsr-3462	57	11	but	but	CCONJ
fsr-3462	57	12	are	be	AUX
fsr-3462	57	13	not	not	PART
fsr-3462	57	14	limited	limit	VERB
fsr-3462	57	15	to	to	ADP
fsr-3462	57	16	borrowing	borrow	VERB
fsr-3462	57	17	money	money	NOUN
fsr-3462	57	18	,	,	PUNCT
fsr-3462	57	19	using	use	VERB
fsr-3462	57	20	credit	credit	NOUN
fsr-3462	57	21	cards	card	NOUN
fsr-3462	57	22	,	,	PUNCT
fsr-3462	57	23	and	and	CCONJ
fsr-3462	57	24	adjusting	adjust	VERB
fsr-3462	57	25	consumption	consumption	NOUN
fsr-3462	57	26	to	to	ADP
fsr-3462	57	27	income	income	NOUN
fsr-3462	57	28	flows	flow	NOUN
fsr-3462	57	29	and	and	CCONJ
fsr-3462	57	30	avoiding	avoid	VERB
fsr-3462	57	31	falling	fall	VERB
fsr-3462	57	32	prey	prey	NOUN
fsr-3462	57	33	of	of	ADP
fsr-3462	57	34	present	present	ADJ
fsr-3462	57	35	-	-	PUNCT
fsr-3462	57	36	bias	bias	NOUN
fsr-3462	57	37	behavior	behavior	NOUN
fsr-3462	57	38	and	and	CCONJ
fsr-3462	57	39	consequently	consequently	ADV
fsr-3462	57	40	accumulate	accumulate	VERB
fsr-3462	57	41	a	a	DET
fsr-3462	57	42	month	month	NOUN
fsr-3462	57	43	-	-	PUNCT
fsr-3462	57	44	to	to	ADP
fsr-3462	57	45	-	-	PUNCT
fsr-3462	57	46	month	month	NOUN
fsr-3462	57	47	balance	balance	NOUN
fsr-3462	57	48	on	on	ADP
fsr-3462	57	49	their	their	PRON
fsr-3462	57	50	credit	credit	NOUN
fsr-3462	57	51	card	card	NOUN
fsr-3462	57	52	.	.	PUNCT
fsr-3462	58	1	in	in	ADP
fsr-3462	58	2	this	this	DET
fsr-3462	58	3	context	context	NOUN
fsr-3462	58	4	we	we	PRON
fsr-3462	58	5	then	then	ADV
fsr-3462	58	6	hypothesize	hypothesize	VERB
fsr-3462	58	7	that	that	SCONJ
fsr-3462	58	8	those	those	PRON
fsr-3462	58	9	with	with	ADP
fsr-3462	58	10	higher	high	ADJ
fsr-3462	58	11	levels	level	NOUN
fsr-3462	58	12	of	of	ADP
fsr-3462	58	13	self	self	NOUN
fsr-3462	58	14	-	-	PUNCT
fsr-3462	58	15	awareness	awareness	NOUN
fsr-3462	58	16	have	have	VERB
fsr-3462	58	17	the	the	DET
fsr-3462	58	18	knowledge	knowledge	NOUN
fsr-3462	58	19	to	to	PART
fsr-3462	58	20	answer	answer	VERB
fsr-3462	58	21	correctly	correctly	ADV
fsr-3462	58	22	(	(	PUNCT
fsr-3462	58	23	basic	basic	ADJ
fsr-3462	58	24	financial	financial	ADJ
fsr-3462	58	25	literacy	literacy	NOUN
fsr-3462	58	26	questions	question	NOUN
fsr-3462	58	27	)	)	PUNCT
fsr-3462	58	28	or	or	CCONJ
fsr-3462	58	29	recognize	recognize	VERB
fsr-3462	58	30	their	their	PRON
fsr-3462	58	31	limitations	limitation	NOUN
fsr-3462	58	32	and	and	CCONJ
fsr-3462	58	33	face	face	VERB
fsr-3462	58	34	the	the	DET
fsr-3462	58	35	reality	reality	NOUN
fsr-3462	58	36	of	of	ADP
fsr-3462	58	37	not	not	PART
fsr-3462	58	38	knowing	know	VERB
fsr-3462	58	39	the	the	DET
fsr-3462	58	40	answer	answer	NOUN
fsr-3462	58	41	,	,	PUNCT
fsr-3462	58	42	and	and	CCONJ
fsr-3462	58	43	openly	openly	ADV
fsr-3462	58	44	recognizing	recognize	VERB
fsr-3462	58	45	that	that	SCONJ
fsr-3462	58	46	by	by	ADP
fsr-3462	58	47	answer	answer	NOUN
fsr-3462	58	48	do	do	AUX
fsr-3462	58	49	not	not	PART
fsr-3462	58	50	know	know	VERB
fsr-3462	58	51	.	.	PUNCT
fsr-3462	59	1	consequently	consequently	ADV
fsr-3462	59	2	,	,	PUNCT
fsr-3462	59	3	here	here	ADV
fsr-3462	59	4	our	our	PRON
fsr-3462	59	5	interest	interest	NOUN
fsr-3462	59	6	is	be	AUX
fsr-3462	59	7	to	to	PART
fsr-3462	59	8	uncover	uncover	VERB
fsr-3462	59	9	the	the	DET
fsr-3462	59	10	differences	difference	NOUN
fsr-3462	59	11	between	between	ADP
fsr-3462	59	12	those	those	PRON
fsr-3462	59	13	that	that	PRON
fsr-3462	59	14	are	be	AUX
fsr-3462	59	15	aware	aware	ADJ
fsr-3462	59	16	of	of	ADP
fsr-3462	59	17	their	their	PRON
fsr-3462	59	18	limitations	limitation	NOUN
fsr-3462	59	19	versus	versus	ADP
fsr-3462	59	20	those	those	PRON
fsr-3462	59	21	that	that	PRON
fsr-3462	59	22	are	be	AUX
fsr-3462	59	23	or	or	CCONJ
fsr-3462	59	24	possess	possess	VERB
fsr-3462	59	25	excessive	excessive	ADJ
fsr-3462	59	26	self	self	NOUN
fsr-3462	59	27	-	-	PUNCT
fsr-3462	59	28	confidence	confidence	NOUN
fsr-3462	59	29	,	,	PUNCT
fsr-3462	59	30	while	while	SCONJ
fsr-3462	59	31	being	be	AUX
fsr-3462	59	32	wrong	wrong	ADJ
fsr-3462	59	33	.	.	PUNCT
fsr-3462	60	1	it	it	PRON
fsr-3462	60	2	is	be	AUX
fsr-3462	60	3	in	in	ADP
fsr-3462	60	4	this	this	DET
fsr-3462	60	5	difference	difference	NOUN
fsr-3462	60	6	that	that	PRON
fsr-3462	60	7	we	we	PRON
fsr-3462	60	8	expect	expect	VERB
fsr-3462	60	9	to	to	PART
fsr-3462	60	10	reach	reach	VERB
fsr-3462	60	11	relevant	relevant	ADJ
fsr-3462	60	12	findings	finding	NOUN
fsr-3462	60	13	as	as	ADP
fsr-3462	60	14	to	to	ADP
fsr-3462	60	15	why	why	SCONJ
fsr-3462	60	16	individuals	individual	NOUN
fsr-3462	60	17	with	with	ADP
fsr-3462	60	18	certain	certain	ADJ
fsr-3462	60	19	personality	personality	NOUN
fsr-3462	60	20	traits	trait	NOUN
fsr-3462	60	21	are	be	AUX
fsr-3462	60	22	more	more	ADV
fsr-3462	60	23	likely	likely	ADJ
fsr-3462	60	24	to	to	PART
fsr-3462	60	25	make	make	VERB
fsr-3462	60	26	incorrect	incorrect	ADJ
fsr-3462	60	27	and	and	CCONJ
fsr-3462	60	28	costly	costly	ADJ
fsr-3462	60	29	financial	financial	ADJ
fsr-3462	60	30	decisions	decision	NOUN
fsr-3462	60	31	.	.	PUNCT
fsr-3462	61	1	we	we	PRON
fsr-3462	61	2	believe	believe	VERB
fsr-3462	61	3	this	this	PRON
fsr-3462	61	4	is	be	AUX
fsr-3462	61	5	the	the	DET
fsr-3462	61	6	first	first	ADJ
fsr-3462	61	7	paper	paper	NOUN
fsr-3462	61	8	that	that	PRON
fsr-3462	61	9	directly	directly	ADV
fsr-3462	61	10	addresses	address	VERB
fsr-3462	61	11	this	this	DET
fsr-3462	61	12	very	very	ADV
fsr-3462	61	13	important	important	ADJ
fsr-3462	61	14	and	and	CCONJ
fsr-3462	61	15	timely	timely	ADJ
fsr-3462	61	16	issue	issue	NOUN
fsr-3462	61	17	.	.	PUNCT
fsr-3462	62	1	finally	finally	ADV
fsr-3462	62	2	,	,	PUNCT
fsr-3462	62	3	our	our	PRON
fsr-3462	62	4	third	third	ADJ
fsr-3462	62	5	contribution	contribution	NOUN
fsr-3462	62	6	is	be	AUX
fsr-3462	62	7	to	to	PART
fsr-3462	62	8	study	study	VERB
fsr-3462	62	9	the	the	DET
fsr-3462	62	10	role	role	NOUN
fsr-3462	62	11	of	of	ADP
fsr-3462	62	12	financial	financial	ADJ
fsr-3462	62	13	literacy	literacy	NOUN
fsr-3462	62	14	in	in	ADP
fsr-3462	62	15	ameliorating	ameliorate	VERB
fsr-3462	62	16	negative	negative	ADJ
fsr-3462	62	17	effects	effect	NOUN
fsr-3462	62	18	of	of	ADP
fsr-3462	62	19	costly	costly	ADJ
fsr-3462	62	20	personality	personality	NOUN
fsr-3462	62	21	traits	trait	NOUN
fsr-3462	62	22	on	on	ADP
fsr-3462	62	23	credit	credit	NOUN
fsr-3462	62	24	card	card	NOUN
fsr-3462	62	25	repayment	repayment	NOUN
fsr-3462	62	26	patterns	pattern	NOUN
fsr-3462	62	27	.	.	PUNCT
fsr-3462	63	1	the	the	DET
fsr-3462	63	2	extant	extant	ADJ
fsr-3462	63	3	literature	literature	NOUN
fsr-3462	63	4	assumes	assume	VERB
fsr-3462	63	5	that	that	SCONJ
fsr-3462	63	6	higher	high	ADJ
fsr-3462	63	7	levels	level	NOUN
fsr-3462	63	8	of	of	ADP
fsr-3462	63	9	financial	financial	ADJ
fsr-3462	63	10	literacy	literacy	NOUN
fsr-3462	63	11	are	be	AUX
fsr-3462	63	12	a	a	DET
fsr-3462	63	13	predominantly	predominantly	ADV
fsr-3462	63	14	determinant	determinant	ADJ
fsr-3462	63	15	of	of	ADP
fsr-3462	63	16	superior	superior	ADJ
fsr-3462	63	17	financial	financial	ADJ
fsr-3462	63	18	performance	performance	NOUN
fsr-3462	63	19	.	.	PUNCT
fsr-3462	64	1	however	however	ADV
fsr-3462	64	2	,	,	PUNCT
fsr-3462	64	3	while	while	SCONJ
fsr-3462	64	4	significant	significant	ADJ
fsr-3462	64	5	contributions	contribution	NOUN
fsr-3462	64	6	have	have	AUX
fsr-3462	64	7	been	be	AUX
fsr-3462	64	8	made	make	VERB
fsr-3462	64	9	in	in	ADP
fsr-3462	64	10	advancing	advance	VERB
fsr-3462	64	11	the	the	DET
fsr-3462	64	12	role	role	NOUN
fsr-3462	64	13	of	of	ADP
fsr-3462	64	14	financial	financial	ADJ
fsr-3462	64	15	literacy	literacy	NOUN
fsr-3462	64	16	,	,	PUNCT
fsr-3462	64	17	previous	previous	ADJ
fsr-3462	64	18	works	work	NOUN
fsr-3462	64	19	in	in	ADP
fsr-3462	64	20	this	this	DET
fsr-3462	64	21	field	field	NOUN
fsr-3462	64	22	have	have	AUX
fsr-3462	64	23	paid	pay	VERB
fsr-3462	64	24	little	little	ADJ
fsr-3462	64	25	attention	attention	NOUN
fsr-3462	64	26	to	to	ADP
fsr-3462	64	27	the	the	DET
fsr-3462	64	28	role	role	NOUN
fsr-3462	64	29	that	that	PRON
fsr-3462	64	30	personality	personality	NOUN
fsr-3462	64	31	traits	trait	NOUN
fsr-3462	64	32	(	(	PUNCT
fsr-3462	64	33	aptitude	aptitude	NOUN
fsr-3462	64	34	and	and	CCONJ
fsr-3462	64	35	attitude	attitude	NOUN
fsr-3462	64	36	)	)	PUNCT
fsr-3462	64	37	play	play	VERB
fsr-3462	64	38	in	in	ADP
fsr-3462	64	39	financial	financial	ADJ
fsr-3462	64	40	decision	decision	NOUN
fsr-3462	64	41	and	and	CCONJ
fsr-3462	64	42	secondly	secondly	ADV
fsr-3462	64	43	what	what	PRON
fsr-3462	64	44	the	the	DET
fsr-3462	64	45	role	role	NOUN
fsr-3462	64	46	of	of	ADP
fsr-3462	64	47	financial	financial	ADJ
fsr-3462	64	48	(	(	PUNCT
fsr-3462	64	49	il)literacy	il)literacy	NOUN
fsr-3462	64	50	is	be	AUX
fsr-3462	64	51	in	in	ADP
fsr-3462	64	52	shaping	shape	VERB
fsr-3462	64	53	these	these	DET
fsr-3462	64	54	inherent	inherent	ADJ
fsr-3462	64	55	behavioral	behavioral	ADJ
fsr-3462	64	56	patterns.3	patterns.3	NOUN
fsr-3462	64	57	we	we	PRON
fsr-3462	64	58	organize	organize	VERB
fsr-3462	64	59	the	the	DET
fsr-3462	64	60	rest	rest	NOUN
fsr-3462	64	61	of	of	ADP
fsr-3462	64	62	the	the	DET
fsr-3462	64	63	paper	paper	NOUN
fsr-3462	64	64	as	as	SCONJ
fsr-3462	64	65	follows	follow	VERB
fsr-3462	64	66	.	.	PUNCT
fsr-3462	65	1	the	the	DET
fsr-3462	65	2	next	next	ADJ
fsr-3462	65	3	section	section	NOUN
fsr-3462	65	4	reviews	review	VERB
fsr-3462	65	5	the	the	DET
fsr-3462	65	6	most	most	ADV
fsr-3462	65	7	relevant	relevant	ADJ
fsr-3462	65	8	literature	literature	NOUN
fsr-3462	65	9	on	on	ADP
fsr-3462	65	10	financial	financial	ADJ
fsr-3462	65	11	literacy	literacy	NOUN
fsr-3462	65	12	and	and	CCONJ
fsr-3462	65	13	personal	personal	ADJ
fsr-3462	65	14	traits	trait	NOUN
fsr-3462	65	15	and	and	CCONJ
fsr-3462	65	16	sets	set	VERB
fsr-3462	65	17	forth	forth	ADP
fsr-3462	65	18	our	our	PRON
fsr-3462	65	19	testing	testing	NOUN
fsr-3462	65	20	hypotheses	hypothesis	NOUN
fsr-3462	65	21	.	.	PUNCT
fsr-3462	66	1	the	the	DET
fsr-3462	66	2	third	third	ADJ
fsr-3462	66	3	section	section	NOUN
fsr-3462	66	4	describes	describe	VERB
fsr-3462	66	5	the	the	DET
fsr-3462	66	6	research	research	NOUN
fsr-3462	66	7	design	design	NOUN
fsr-3462	66	8	and	and	CCONJ
fsr-3462	66	9	the	the	DET
fsr-3462	66	10	estimation	estimation	NOUN
fsr-3462	66	11	model	model	NOUN
fsr-3462	66	12	.	.	PUNCT
fsr-3462	67	1	the	the	DET
fsr-3462	67	2	fourth	fourth	ADJ
fsr-3462	67	3	section	section	NOUN
fsr-3462	67	4	analyzes	analyze	VERB
fsr-3462	67	5	estimation	estimation	NOUN
fsr-3462	67	6	results	result	NOUN
fsr-3462	67	7	,	,	PUNCT
fsr-3462	67	8	which	which	PRON
fsr-3462	67	9	are	be	AUX
fsr-3462	67	10	then	then	ADV
fsr-3462	67	11	discussed	discuss	VERB
fsr-3462	67	12	in	in	ADP
fsr-3462	67	13	the	the	DET
fsr-3462	67	14	fifth	fifth	ADJ
fsr-3462	67	15	section	section	NOUN
fsr-3462	67	16	,	,	PUNCT
fsr-3462	67	17	while	while	SCONJ
fsr-3462	67	18	the	the	DET
fsr-3462	67	19	last	last	ADJ
fsr-3462	67	20	section	section	NOUN
fsr-3462	67	21	presents	present	VERB
fsr-3462	67	22	some	some	DET
fsr-3462	67	23	general	general	ADJ
fsr-3462	67	24	conclusions	conclusion	NOUN
fsr-3462	67	25	and	and	CCONJ
fsr-3462	67	26	policy	policy	NOUN
fsr-3462	67	27	recommendations	recommendation	NOUN
fsr-3462	67	28	.	.	PUNCT
fsr-3462	68	1	2	2	X
fsr-3462	68	2	.	.	X
fsr-3462	68	3	literature	literature	NOUN
fsr-3462	68	4	review	review	VERB
fsr-3462	68	5	recently	recently	ADV
fsr-3462	68	6	the	the	DET
fsr-3462	68	7	topic	topic	NOUN
fsr-3462	68	8	of	of	ADP
fsr-3462	68	9	financial	financial	ADJ
fsr-3462	68	10	literacy	literacy	NOUN
fsr-3462	68	11	has	have	AUX
fsr-3462	68	12	received	receive	VERB
fsr-3462	68	13	increased	increase	VERB
fsr-3462	68	14	and	and	CCONJ
fsr-3462	68	15	extensive	extensive	ADJ
fsr-3462	68	16	attention	attention	NOUN
fsr-3462	68	17	in	in	ADP
fsr-3462	68	18	the	the	DET
fsr-3462	68	19	literature	literature	NOUN
fsr-3462	68	20	.	.	PUNCT
fsr-3462	69	1	the	the	DET
fsr-3462	69	2	literature	literature	NOUN
fsr-3462	69	3	argues	argue	VERB
fsr-3462	69	4	in	in	ADP
fsr-3462	69	5	favor	favor	NOUN
fsr-3462	69	6	of	of	ADP
fsr-3462	69	7	the	the	DET
fsr-3462	69	8	relevance	relevance	NOUN
fsr-3462	69	9	of	of	ADP
fsr-3462	69	10	adequate	adequate	ADJ
fsr-3462	69	11	and	and	CCONJ
fsr-3462	69	12	timely	timely	ADJ
fsr-3462	69	13	financial	financial	ADJ
fsr-3462	69	14	literacy	literacy	NOUN
fsr-3462	69	15	as	as	ADP
fsr-3462	69	16	paramount	paramount	ADJ
fsr-3462	69	17	on	on	ADP
fsr-3462	69	18	individual	individual	ADJ
fsr-3462	69	19	decision	decision	NOUN
fsr-3462	69	20	-	-	PUNCT
fsr-3462	69	21	making	make	VERB
fsr-3462	69	22	process	process	NOUN
fsr-3462	69	23	and	and	CCONJ
fsr-3462	69	24	their	their	PRON
fsr-3462	69	25	outcomes	outcome	NOUN
fsr-3462	69	26	.	.	PUNCT
fsr-3462	70	1	in	in	ADP
fsr-3462	70	2	fact	fact	NOUN
fsr-3462	70	3	,	,	PUNCT
fsr-3462	70	4	the	the	DET
fsr-3462	70	5	evidence	evidence	NOUN
fsr-3462	70	6	points	point	VERB
fsr-3462	70	7	out	out	ADP
fsr-3462	70	8	in	in	ADP
fsr-3462	70	9	support	support	NOUN
fsr-3462	70	10	of	of	ADP
fsr-3462	70	11	the	the	DET
fsr-3462	70	12	argument	argument	NOUN
fsr-3462	70	13	that	that	SCONJ
fsr-3462	70	14	low	low	ADJ
fsr-3462	70	15	levels	level	NOUN
fsr-3462	70	16	of	of	ADP
fsr-3462	70	17	financial	financial	ADJ
fsr-3462	70	18	literacy	literacy	NOUN
fsr-3462	70	19	are	be	AUX
fsr-3462	70	20	not	not	PART
fsr-3462	70	21	only	only	ADV
fsr-3462	70	22	linked	link	VERB
fsr-3462	70	23	with	with	ADP
fsr-3462	70	24	high	high	ADJ
fsr-3462	70	25	levels	level	NOUN
fsr-3462	70	26	of	of	ADP
fsr-3462	70	27	personal	personal	ADJ
fsr-3462	70	28	and	and	CCONJ
fsr-3462	70	29	household	household	NOUN
fsr-3462	70	30	debt	debt	NOUN
fsr-3462	70	31	(	(	PUNCT
fsr-3462	70	32	lusardi	lusardi	PROPN
fsr-3462	70	33	&	&	CCONJ
fsr-3462	70	34	tufano	tufano	ADJ
fsr-3462	70	35	,	,	PUNCT
fsr-3462	70	36	2009	2009	NUM
fsr-3462	70	37	;	;	PUNCT
fsr-3462	71	1	250	250	NUM
fsr-3462	71	2	g.	g.	PROPN
fsr-3462	71	3	barboza	barboza	PROPN
fsr-3462	71	4	et	et	PROPN
fsr-3462	71	5	al	al	PROPN
fsr-3462	71	6	.	.	PUNCT
fsr-3462	71	7	/	/	SYM
fsr-3462	71	8	financial	financial	ADJ
fsr-3462	71	9	services	service	NOUN
fsr-3462	71	10	review	review	VERB
fsr-3462	71	11	29	29	NUM
fsr-3462	71	12	(	(	PUNCT
fsr-3462	71	13	2021	2021	NUM
fsr-3462	71	14	)	)	PUNCT
fsr-3462	71	15	247–276	247–276	NUM
fsr-3462	71	16	moore	moore	NOUN
fsr-3462	71	17	,	,	PUNCT
fsr-3462	71	18	2003	2003	NUM
fsr-3462	71	19	;	;	PUNCT
fsr-3462	71	20	stango	stango	PROPN
fsr-3462	71	21	&	&	CCONJ
fsr-3462	71	22	zinman	zinman	PROPN
fsr-3462	71	23	,	,	PUNCT
fsr-3462	71	24	2009	2009	NUM
fsr-3462	71	25	)	)	PUNCT
fsr-3462	71	26	,	,	PUNCT
fsr-3462	71	27	inadequate	inadequate	ADJ
fsr-3462	71	28	retirement	retirement	NOUN
fsr-3462	71	29	planning	planning	NOUN
fsr-3462	71	30	(	(	PUNCT
fsr-3462	71	31	hilgert	hilgert	PROPN
fsr-3462	71	32	,	,	PUNCT
fsr-3462	71	33	hogarth	hogarth	NOUN
fsr-3462	71	34	,	,	PUNCT
fsr-3462	71	35	&	&	CCONJ
fsr-3462	71	36	beverly	beverly	PROPN
fsr-3462	71	37	2003	2003	NUM
fsr-3462	71	38	;	;	PUNCT
fsr-3462	71	39	lusardi	lusardi	PROPN
fsr-3462	71	40	&	&	CCONJ
fsr-3462	71	41	mitchell	mitchell	PROPN
fsr-3462	71	42	,	,	PUNCT
fsr-3462	71	43	2007	2007	NUM
fsr-3462	71	44	)	)	PUNCT
fsr-3462	71	45	,	,	PUNCT
fsr-3462	71	46	or	or	CCONJ
fsr-3462	71	47	inadequate	inadequate	ADJ
fsr-3462	71	48	stock	stock	NOUN
fsr-3462	71	49	market	market	NOUN
fsr-3462	71	50	participation	participation	NOUN
fsr-3462	71	51	(	(	PUNCT
fsr-3462	71	52	van	van	NOUN
fsr-3462	71	53	rooij	rooij	NOUN
fsr-3462	71	54	,	,	PUNCT
fsr-3462	71	55	lusardi	lusardi	PROPN
fsr-3462	71	56	,	,	PUNCT
fsr-3462	71	57	&	&	CCONJ
fsr-3462	71	58	alessie	alessie	ADJ
fsr-3462	71	59	2011	2011	NUM
fsr-3462	71	60	)	)	PUNCT
fsr-3462	71	61	,	,	PUNCT
fsr-3462	71	62	but	but	CCONJ
fsr-3462	71	63	also	also	ADV
fsr-3462	71	64	to	to	ADP
fsr-3462	71	65	poor	poor	ADJ
fsr-3462	71	66	health	health	NOUN
fsr-3462	71	67	(	(	PUNCT
fsr-3462	71	68	joo	joo	PROPN
fsr-3462	71	69	&	&	CCONJ
fsr-3462	71	70	garman	garman	PROPN
fsr-3462	71	71	,	,	PUNCT
fsr-3462	71	72	1998	1998	NUM
fsr-3462	71	73	)	)	PUNCT
fsr-3462	71	74	or	or	CCONJ
fsr-3462	71	75	adverse	adverse	ADJ
fsr-3462	71	76	health	health	NOUN
fsr-3462	71	77	choices	choice	NOUN
fsr-3462	71	78	(	(	PUNCT
fsr-3462	71	79	peters	peters	PROPN
fsr-3462	71	80	et	et	PROPN
fsr-3462	71	81	al	al	PROPN
fsr-3462	71	82	.	.	PROPN
fsr-3462	71	83	,	,	PUNCT
fsr-3462	71	84	2007	2007	NUM
fsr-3462	71	85	)	)	PUNCT
fsr-3462	71	86	and	and	CCONJ
fsr-3462	71	87	in	in	ADP
fsr-3462	71	88	general	general	ADJ
fsr-3462	71	89	poorer	poor	ADJ
fsr-3462	71	90	overall	overall	ADJ
fsr-3462	71	91	life	life	NOUN
fsr-3462	71	92	outcomes	outcome	NOUN
fsr-3462	71	93	.	.	PUNCT
fsr-3462	72	1	in	in	ADP
fsr-3462	72	2	this	this	DET
fsr-3462	72	3	respect	respect	NOUN
fsr-3462	72	4	,	,	PUNCT
fsr-3462	72	5	widespread	widespread	ADJ
fsr-3462	72	6	financial	financial	ADJ
fsr-3462	72	7	illiteracy	illiteracy	NOUN
fsr-3462	72	8	among	among	ADP
fsr-3462	72	9	young	young	ADJ
fsr-3462	72	10	people	people	NOUN
fsr-3462	72	11	is	be	AUX
fsr-3462	72	12	of	of	ADP
fsr-3462	72	13	particular	particular	ADJ
fsr-3462	72	14	concern	concern	NOUN
fsr-3462	72	15	for	for	ADP
fsr-3462	72	16	two	two	NUM
fsr-3462	72	17	main	main	ADJ
fsr-3462	72	18	reasons	reason	NOUN
fsr-3462	72	19	.	.	PUNCT
fsr-3462	73	1	first	first	ADV
fsr-3462	73	2	,	,	PUNCT
fsr-3462	73	3	as	as	SCONJ
fsr-3462	73	4	they	they	PRON
fsr-3462	73	5	enter	enter	VERB
fsr-3462	73	6	adulthood	adulthood	NOUN
fsr-3462	73	7	,	,	PUNCT
fsr-3462	73	8	a	a	DET
fsr-3462	73	9	number	number	NOUN
fsr-3462	73	10	of	of	ADP
fsr-3462	73	11	important	important	ADJ
fsr-3462	73	12	financial	financial	ADJ
fsr-3462	73	13	decisions	decision	NOUN
fsr-3462	73	14	are	be	AUX
fsr-3462	73	15	to	to	PART
fsr-3462	73	16	be	be	AUX
fsr-3462	73	17	undertaken	undertake	VERB
fsr-3462	73	18	(	(	PUNCT
fsr-3462	73	19	such	such	ADJ
fsr-3462	73	20	as	as	ADP
fsr-3462	73	21	financing	financing	NOUN
fsr-3462	73	22	college	college	NOUN
fsr-3462	73	23	studies	study	NOUN
fsr-3462	73	24	;	;	PUNCT
fsr-3462	73	25	moving	move	VERB
fsr-3462	73	26	away	away	ADV
fsr-3462	73	27	from	from	ADP
fsr-3462	73	28	home	home	NOUN
fsr-3462	73	29	;	;	PUNCT
fsr-3462	73	30	purchasing	purchase	VERB
fsr-3462	73	31	their	their	PRON
fsr-3462	73	32	first	first	ADJ
fsr-3462	73	33	car	car	NOUN
fsr-3462	73	34	;	;	PUNCT
fsr-3462	73	35	using	use	VERB
fsr-3462	73	36	credit	credit	NOUN
fsr-3462	73	37	cards	card	NOUN
fsr-3462	73	38	;	;	PUNCT
fsr-3462	73	39	saving	save	VERB
fsr-3462	73	40	for	for	ADP
fsr-3462	73	41	retirement	retirement	NOUN
fsr-3462	73	42	;	;	PUNCT
fsr-3462	73	43	etc	etc	X
fsr-3462	73	44	.	.	X
fsr-3462	73	45	)	)	PUNCT
fsr-3462	73	46	,	,	PUNCT
fsr-3462	73	47	for	for	ADP
fsr-3462	73	48	which	which	PRON
fsr-3462	73	49	they	they	PRON
fsr-3462	73	50	might	might	AUX
fsr-3462	73	51	not	not	PART
fsr-3462	73	52	be	be	AUX
fsr-3462	73	53	adequately	adequately	ADV
fsr-3462	73	54	prepared	prepare	VERB
fsr-3462	73	55	.	.	PUNCT
fsr-3462	74	1	misguided	misguided	ADJ
fsr-3462	74	2	financial	financial	ADJ
fsr-3462	74	3	decisions	decision	NOUN
fsr-3462	74	4	in	in	ADP
fsr-3462	74	5	the	the	DET
fsr-3462	74	6	early	early	ADJ
fsr-3462	74	7	stage	stage	NOUN
fsr-3462	74	8	of	of	ADP
fsr-3462	74	9	their	their	PRON
fsr-3462	74	10	lives	life	NOUN
fsr-3462	74	11	could	could	AUX
fsr-3462	74	12	have	have	VERB
fsr-3462	74	13	potentially	potentially	ADV
fsr-3462	74	14	disastrous	disastrous	ADJ
fsr-3462	74	15	consequences	consequence	NOUN
fsr-3462	74	16	(	(	PUNCT
fsr-3462	74	17	huge	huge	ADJ
fsr-3462	74	18	debt	debt	NOUN
fsr-3462	74	19	,	,	PUNCT
fsr-3462	74	20	a	a	DET
fsr-3462	74	21	poor	poor	ADJ
fsr-3462	74	22	credit	credit	NOUN
fsr-3462	74	23	rating	rating	NOUN
fsr-3462	74	24	,	,	PUNCT
fsr-3462	74	25	and	and	CCONJ
fsr-3462	74	26	inadequate	inadequate	ADJ
fsr-3462	74	27	retirement	retirement	NOUN
fsr-3462	74	28	plans	plan	NOUN
fsr-3462	74	29	)	)	PUNCT
fsr-3462	74	30	for	for	ADP
fsr-3462	74	31	the	the	DET
fsr-3462	74	32	remaining	remain	VERB
fsr-3462	74	33	of	of	ADP
fsr-3462	74	34	their	their	PRON
fsr-3462	74	35	whole	whole	ADJ
fsr-3462	74	36	life	life	NOUN
fsr-3462	74	37	(	(	PUNCT
fsr-3462	74	38	schagen	schagen	PROPN
fsr-3462	74	39	&	&	CCONJ
fsr-3462	74	40	lines	line	NOUN
fsr-3462	74	41	,	,	PUNCT
fsr-3462	74	42	1996	1996	NUM
fsr-3462	74	43	;	;	PUNCT
fsr-3462	74	44	lusardi	lusardi	PROPN
fsr-3462	74	45	,	,	PUNCT
fsr-3462	74	46	mitchell	mitchell	PROPN
fsr-3462	74	47	,	,	PUNCT
fsr-3462	74	48	&	&	CCONJ
fsr-3462	74	49	curto	curto	PROPN
fsr-3462	74	50	2010	2010	NUM
fsr-3462	74	51	)	)	PUNCT
fsr-3462	74	52	.	.	PUNCT
fsr-3462	75	1	second	second	ADJ
fsr-3462	75	2	,	,	PUNCT
fsr-3462	75	3	a	a	DET
fsr-3462	75	4	lack	lack	NOUN
fsr-3462	75	5	of	of	ADP
fsr-3462	75	6	financial	financial	ADJ
fsr-3462	75	7	literacy	literacy	NOUN
fsr-3462	75	8	seems	seem	VERB
fsr-3462	75	9	to	to	PART
fsr-3462	75	10	impact	impact	VERB
fsr-3462	75	11	students	student	NOUN
fsr-3462	75	12	’	'	PUNCT
fsr-3462	75	13	university	university	NOUN
fsr-3462	75	14	performance	performance	NOUN
fsr-3462	75	15	as	as	SCONJ
fsr-3462	75	16	noted	note	VERB
fsr-3462	75	17	by	by	ADP
fsr-3462	75	18	kezar	kezar	PROPN
fsr-3462	75	19	and	and	CCONJ
fsr-3462	75	20	yang	yang	PROPN
fsr-3462	75	21	(	(	PUNCT
fsr-3462	75	22	2010	2010	NUM
fsr-3462	75	23	)	)	PUNCT
fsr-3462	75	24	whom	whom	PRON
fsr-3462	75	25	suggest	suggest	VERB
fsr-3462	75	26	that	that	SCONJ
fsr-3462	75	27	a	a	DET
fsr-3462	75	28	student	student	NOUN
fsr-3462	75	29	’s	’s	PART
fsr-3462	75	30	academic	academic	ADJ
fsr-3462	75	31	achievement	achievement	NOUN
fsr-3462	75	32	is	be	AUX
fsr-3462	75	33	negatively	negatively	ADV
fsr-3462	75	34	affected	affect	VERB
fsr-3462	75	35	by	by	ADP
fsr-3462	75	36	financial	financial	ADJ
fsr-3462	75	37	distress	distress	NOUN
fsr-3462	75	38	,	,	PUNCT
fsr-3462	75	39	which	which	PRON
fsr-3462	75	40	,	,	PUNCT
fsr-3462	75	41	in	in	ADP
fsr-3462	75	42	turn	turn	NOUN
fsr-3462	75	43	,	,	PUNCT
fsr-3462	75	44	is	be	AUX
fsr-3462	75	45	a	a	DET
fsr-3462	75	46	more	more	ADV
fsr-3462	75	47	likely	likely	ADJ
fsr-3462	75	48	outcome	outcome	NOUN
fsr-3462	75	49	in	in	ADP
fsr-3462	75	50	presence	presence	NOUN
fsr-3462	75	51	of	of	ADP
fsr-3462	75	52	low	low	ADJ
fsr-3462	75	53	levels	level	NOUN
fsr-3462	75	54	of	of	ADP
fsr-3462	75	55	financial	financial	ADJ
fsr-3462	75	56	literacy	literacy	NOUN
fsr-3462	75	57	.	.	PUNCT
fsr-3462	76	1	in	in	ADP
fsr-3462	76	2	particular	particular	ADJ
fsr-3462	76	3	the	the	DET
fsr-3462	76	4	literature	literature	NOUN
fsr-3462	76	5	documents	document	NOUN
fsr-3462	76	6	that	that	PRON
fsr-3462	76	7	inadequate	inadequate	ADJ
fsr-3462	76	8	financial	financial	ADJ
fsr-3462	76	9	skills	skill	NOUN
fsr-3462	76	10	(	(	PUNCT
fsr-3462	76	11	especially	especially	ADV
fsr-3462	76	12	in	in	ADP
fsr-3462	76	13	the	the	DET
fsr-3462	76	14	area	area	NOUN
fsr-3462	76	15	of	of	ADP
fsr-3462	76	16	cash	cash	NOUN
fsr-3462	76	17	management	management	NOUN
fsr-3462	76	18	)	)	PUNCT
fsr-3462	76	19	result	result	NOUN
fsr-3462	76	20	in	in	ADP
fsr-3462	76	21	higher	high	ADJ
fsr-3462	76	22	level	level	NOUN
fsr-3462	76	23	of	of	ADP
fsr-3462	76	24	stress	stress	NOUN
fsr-3462	76	25	and	and	CCONJ
fsr-3462	76	26	even	even	ADV
fsr-3462	76	27	anxiety	anxiety	NOUN
fsr-3462	76	28	with	with	ADP
fsr-3462	76	29	significant	significant	ADJ
fsr-3462	76	30	(	(	PUNCT
fsr-3462	76	31	negative	negative	ADJ
fsr-3462	76	32	)	)	PUNCT
fsr-3462	76	33	impact	impact	NOUN
fsr-3462	76	34	on	on	ADP
fsr-3462	76	35	academic	academic	ADJ
fsr-3462	76	36	performance	performance	NOUN
fsr-3462	76	37	(	(	PUNCT
fsr-3462	76	38	kapoor	kapoor	PROPN
fsr-3462	76	39	et	et	PROPN
fsr-3462	76	40	al	al	PROPN
fsr-3462	76	41	.	.	PROPN
fsr-3462	76	42	,	,	PUNCT
fsr-3462	76	43	2006	2006	NUM
fsr-3462	76	44	;	;	PUNCT
fsr-3462	76	45	razafimahasolo	razafimahasolo	PROPN
fsr-3462	76	46	et	et	PROPN
fsr-3462	76	47	al	al	PROPN
fsr-3462	76	48	.	.	PROPN
fsr-3462	76	49	,	,	PUNCT
fsr-3462	76	50	2016	2016	NUM
fsr-3462	76	51	;	;	PUNCT
fsr-3462	76	52	xiao	xiao	PROPN
fsr-3462	76	53	et	et	PROPN
fsr-3462	76	54	al	al	PROPN
fsr-3462	76	55	.	.	PROPN
fsr-3462	76	56	,	,	PUNCT
fsr-3462	76	57	2011	2011	NUM
fsr-3462	76	58	)	)	PUNCT
fsr-3462	76	59	.	.	PUNCT
fsr-3462	77	1	low	low	ADJ
fsr-3462	77	2	financial	financial	ADJ
fsr-3462	77	3	capabilities	capability	NOUN
fsr-3462	77	4	generate	generate	VERB
fsr-3462	77	5	financial	financial	ADJ
fsr-3462	77	6	stress	stress	NOUN
fsr-3462	77	7	and	and	CCONJ
fsr-3462	77	8	anxiety	anxiety	NOUN
fsr-3462	77	9	,	,	PUNCT
fsr-3462	77	10	which	which	PRON
fsr-3462	77	11	in	in	ADP
fsr-3462	77	12	turn	turn	NOUN
fsr-3462	77	13	create	create	VERB
fsr-3462	77	14	negative	negative	ADJ
fsr-3462	77	15	spillover	spillover	ADJ
fsr-3462	77	16	effects	effect	NOUN
fsr-3462	77	17	into	into	ADP
fsr-3462	77	18	other	other	ADJ
fsr-3462	77	19	life	life	NOUN
fsr-3462	77	20	dimensions	dimension	NOUN
fsr-3462	77	21	.	.	PUNCT
fsr-3462	78	1	in	in	ADP
fsr-3462	78	2	more	more	ADV
fsr-3462	78	3	recent	recent	ADJ
fsr-3462	78	4	research	research	NOUN
fsr-3462	78	5	,	,	PUNCT
fsr-3462	78	6	particularly	particularly	ADV
fsr-3462	78	7	in	in	ADP
fsr-3462	78	8	the	the	DET
fsr-3462	78	9	last	last	ADJ
fsr-3462	78	10	decade	decade	NOUN
fsr-3462	78	11	,	,	PUNCT
fsr-3462	78	12	the	the	DET
fsr-3462	78	13	majority	majority	NOUN
fsr-3462	78	14	of	of	ADP
fsr-3462	78	15	theoretical	theoretical	ADJ
fsr-3462	78	16	and	and	CCONJ
fsr-3462	78	17	empirical	empirical	ADJ
fsr-3462	78	18	literature	literature	NOUN
fsr-3462	78	19	on	on	ADP
fsr-3462	78	20	financial	financial	ADJ
fsr-3462	78	21	literacy	literacy	NOUN
fsr-3462	78	22	has	have	AUX
fsr-3462	78	23	addressed	address	VERB
fsr-3462	78	24	and	and	CCONJ
fsr-3462	78	25	investigated	investigate	VERB
fsr-3462	78	26	many	many	ADJ
fsr-3462	78	27	different	different	ADJ
fsr-3462	78	28	topics	topic	NOUN
fsr-3462	78	29	.	.	PUNCT
fsr-3462	79	1	these	these	DET
fsr-3462	79	2	topics	topic	NOUN
fsr-3462	79	3	cover	cover	VERB
fsr-3462	79	4	from	from	ADP
fsr-3462	79	5	the	the	DET
fsr-3462	79	6	influencing	influence	VERB
fsr-3462	79	7	factors	factor	NOUN
fsr-3462	79	8	that	that	PRON
fsr-3462	79	9	drive	drive	VERB
fsr-3462	79	10	financial	financial	ADJ
fsr-3462	79	11	literacy	literacy	NOUN
fsr-3462	79	12	to	to	ADP
fsr-3462	79	13	the	the	DET
fsr-3462	79	14	methodological	methodological	ADJ
fsr-3462	79	15	approaches	approach	NOUN
fsr-3462	79	16	to	to	PART
fsr-3462	79	17	best	well	ADV
fsr-3462	79	18	treat	treat	VERB
fsr-3462	79	19	survey	survey	NOUN
fsr-3462	79	20	questions	question	NOUN
fsr-3462	79	21	that	that	PRON
fsr-3462	79	22	try	try	VERB
fsr-3462	79	23	to	to	PART
fsr-3462	79	24	effectively	effectively	ADV
fsr-3462	79	25	measure	measure	VERB
fsr-3462	79	26	a	a	DET
fsr-3462	79	27	latent	latent	NOUN
fsr-3462	79	28	variable	variable	NOUN
fsr-3462	79	29	such	such	ADJ
fsr-3462	79	30	as	as	ADP
fsr-3462	79	31	financial	financial	ADJ
fsr-3462	79	32	literacy	literacy	NOUN
fsr-3462	79	33	.	.	PUNCT
fsr-3462	80	1	a	a	DET
fsr-3462	80	2	general	general	ADJ
fsr-3462	80	3	agreement	agreement	NOUN
fsr-3462	80	4	has	have	AUX
fsr-3462	80	5	been	be	AUX
fsr-3462	80	6	reached	reach	VERB
fsr-3462	80	7	such	such	ADJ
fsr-3462	80	8	as	as	ADP
fsr-3462	80	9	on	on	ADP
fsr-3462	80	10	the	the	DET
fsr-3462	80	11	necessary	necessary	ADJ
fsr-3462	80	12	prerequisites	prerequisite	NOUN
fsr-3462	80	13	to	to	PART
fsr-3462	80	14	gauge	gauge	VERB
fsr-3462	80	15	financial	financial	ADJ
fsr-3462	80	16	literacy	literacy	NOUN
fsr-3462	80	17	(	(	PUNCT
fsr-3462	80	18	including	include	VERB
fsr-3462	80	19	the	the	DET
fsr-3462	80	20	types	type	NOUN
fsr-3462	80	21	of	of	ADP
fsr-3462	80	22	knowledge	knowledge	NOUN
fsr-3462	80	23	that	that	PRON
fsr-3462	80	24	best	well	ADV
fsr-3462	80	25	motivate	motivate	VERB
fsr-3462	80	26	and	and	CCONJ
fsr-3462	80	27	facilitate	facilitate	VERB
fsr-3462	80	28	financial	financial	ADJ
fsr-3462	80	29	action	action	NOUN
fsr-3462	80	30	)	)	PUNCT
fsr-3462	80	31	.	.	PUNCT
fsr-3462	81	1	it	it	PRON
fsr-3462	81	2	has	have	AUX
fsr-3462	81	3	now	now	ADV
fsr-3462	81	4	become	become	VERB
fsr-3462	81	5	common	common	ADJ
fsr-3462	81	6	knowledge	knowledge	NOUN
fsr-3462	81	7	that	that	SCONJ
fsr-3462	81	8	financial	financial	ADJ
fsr-3462	81	9	literacy	literacy	NOUN
fsr-3462	81	10	among	among	ADP
fsr-3462	81	11	both	both	DET
fsr-3462	81	12	adults	adult	NOUN
fsr-3462	81	13	and	and	CCONJ
fsr-3462	81	14	the	the	DET
fsr-3462	81	15	young	young	ADJ
fsr-3462	81	16	is	be	AUX
fsr-3462	81	17	low	low	ADJ
fsr-3462	81	18	;	;	PUNCT
fsr-3462	81	19	and	and	CCONJ
fsr-3462	81	20	influenced	influence	VERB
fsr-3462	81	21	by	by	ADP
fsr-3462	81	22	socio	socio	NOUN
fsr-3462	81	23	-	-	ADJ
fsr-3462	81	24	demographic	demographic	ADJ
fsr-3462	81	25	factors	factor	NOUN
fsr-3462	81	26	,	,	PUNCT
fsr-3462	81	27	such	such	ADJ
fsr-3462	81	28	as	as	ADP
fsr-3462	81	29	gender	gender	NOUN
fsr-3462	81	30	,	,	PUNCT
fsr-3462	81	31	education	education	NOUN
fsr-3462	81	32	,	,	PUNCT
fsr-3462	81	33	income	income	NOUN
fsr-3462	81	34	,	,	PUNCT
fsr-3462	81	35	employment	employment	NOUN
fsr-3462	81	36	status	status	NOUN
fsr-3462	81	37	,	,	PUNCT
fsr-3462	81	38	and	and	CCONJ
fsr-3462	81	39	age	age	NOUN
fsr-3462	81	40	.	.	PUNCT
fsr-3462	82	1	it	it	PRON
fsr-3462	82	2	is	be	AUX
fsr-3462	82	3	also	also	ADV
fsr-3462	82	4	recognized	recognize	VERB
fsr-3462	82	5	that	that	SCONJ
fsr-3462	82	6	informal	informal	ADJ
fsr-3462	82	7	sources	source	NOUN
fsr-3462	82	8	of	of	ADP
fsr-3462	82	9	education	education	NOUN
fsr-3462	82	10	such	such	ADJ
fsr-3462	82	11	as	as	ADP
fsr-3462	82	12	family	family	NOUN
fsr-3462	82	13	background	background	NOUN
fsr-3462	82	14	and	and	CCONJ
fsr-3462	82	15	interaction	interaction	NOUN
fsr-3462	82	16	with	with	ADP
fsr-3462	82	17	peers	peer	NOUN
fsr-3462	82	18	are	be	AUX
fsr-3462	82	19	of	of	ADP
fsr-3462	82	20	particular	particular	ADJ
fsr-3462	82	21	importance	importance	NOUN
fsr-3462	82	22	in	in	ADP
fsr-3462	82	23	this	this	DET
fsr-3462	82	24	regard	regard	NOUN
fsr-3462	82	25	(	(	PUNCT
fsr-3462	82	26	see	see	VERB
fsr-3462	82	27	lusardi	lusardi	PROPN
fsr-3462	82	28	&	&	CCONJ
fsr-3462	82	29	mitchell	mitchell	PROPN
fsr-3462	82	30	,	,	PUNCT
fsr-3462	82	31	2014	2014	NUM
fsr-3462	82	32	,	,	PUNCT
fsr-3462	82	33	for	for	ADP
fsr-3462	82	34	a	a	DET
fsr-3462	82	35	review	review	NOUN
fsr-3462	82	36	of	of	ADP
fsr-3462	82	37	theory	theory	NOUN
fsr-3462	82	38	and	and	CCONJ
fsr-3462	82	39	empirical	empirical	ADJ
fsr-3462	82	40	evidence	evidence	NOUN
fsr-3462	82	41	)	)	PUNCT
fsr-3462	82	42	.	.	PUNCT
fsr-3462	83	1	more	more	ADV
fsr-3462	83	2	specifically	specifically	ADV
fsr-3462	83	3	,	,	PUNCT
fsr-3462	83	4	individuals	individual	NOUN
fsr-3462	83	5	’	'	PUNCT
fsr-3462	83	6	financial	financial	ADJ
fsr-3462	83	7	literacy	literacy	NOUN
fsr-3462	83	8	seems	seem	VERB
fsr-3462	83	9	to	to	PART
fsr-3462	83	10	be	be	AUX
fsr-3462	83	11	significantly	significantly	ADV
fsr-3462	83	12	and	and	CCONJ
fsr-3462	83	13	positively	positively	ADV
fsr-3462	83	14	associated	associate	VERB
fsr-3462	83	15	with	with	ADP
fsr-3462	83	16	parental	parental	ADJ
fsr-3462	83	17	educational	educational	ADJ
fsr-3462	83	18	attainment	attainment	NOUN
fsr-3462	83	19	and	and	CCONJ
fsr-3462	83	20	with	with	ADP
fsr-3462	83	21	the	the	DET
fsr-3462	83	22	presence	presence	NOUN
fsr-3462	83	23	of	of	ADP
fsr-3462	83	24	forms	form	NOUN
fsr-3462	83	25	of	of	ADP
fsr-3462	83	26	financial	financial	ADJ
fsr-3462	83	27	socialization	socialization	NOUN
fsr-3462	83	28	within	within	ADP
fsr-3462	83	29	the	the	DET
fsr-3462	83	30	family	family	NOUN
fsr-3462	83	31	and	and	CCONJ
fsr-3462	83	32	the	the	DET
fsr-3462	83	33	group	group	NOUN
fsr-3462	83	34	of	of	ADP
fsr-3462	83	35	peers	peer	NOUN
fsr-3462	83	36	(	(	PUNCT
fsr-3462	83	37	for	for	ADP
fsr-3462	83	38	instance	instance	NOUN
fsr-3462	83	39	children	child	NOUN
fsr-3462	83	40	observing	observe	VERB
fsr-3462	83	41	their	their	PRON
fsr-3462	83	42	parents	parent	NOUN
fsr-3462	83	43	’	’	PART
fsr-3462	83	44	saving	save	VERB
fsr-3462	83	45	behavior	behavior	NOUN
fsr-3462	83	46	or	or	CCONJ
fsr-3462	83	47	receiving	receive	VERB
fsr-3462	83	48	a	a	DET
fsr-3462	83	49	more	more	ADV
fsr-3462	83	50	formal	formal	ADJ
fsr-3462	83	51	financial	financial	ADJ
fsr-3462	83	52	education	education	NOUN
fsr-3462	83	53	from	from	ADP
fsr-3462	83	54	them	they	PRON
fsr-3462	83	55	)	)	PUNCT
fsr-3462	83	56	.	.	PUNCT
fsr-3462	84	1	in	in	ADP
fsr-3462	84	2	general	general	ADJ
fsr-3462	84	3	,	,	PUNCT
fsr-3462	84	4	the	the	DET
fsr-3462	84	5	literature	literature	NOUN
fsr-3462	84	6	also	also	ADV
fsr-3462	84	7	agrees	agree	VERB
fsr-3462	84	8	that	that	SCONJ
fsr-3462	84	9	young	young	ADJ
fsr-3462	84	10	adults	adult	NOUN
fsr-3462	84	11	receive	receive	VERB
fsr-3462	84	12	financial	financial	ADJ
fsr-3462	84	13	literacy	literacy	NOUN
fsr-3462	84	14	through	through	ADP
fsr-3462	84	15	two	two	NUM
fsr-3462	84	16	main	main	ADJ
fsr-3462	84	17	sources	source	NOUN
fsr-3462	84	18	,	,	PUNCT
fsr-3462	84	19	parents	parent	NOUN
fsr-3462	84	20	and	and	CCONJ
fsr-3462	84	21	the	the	DET
fsr-3462	84	22	educational	educational	ADJ
fsr-3462	84	23	system	system	NOUN
fsr-3462	84	24	(	(	PUNCT
fsr-3462	84	25	lusardi	lusardi	PROPN
fsr-3462	84	26	et	et	PROPN
fsr-3462	84	27	al	al	PROPN
fsr-3462	84	28	.	.	PROPN
fsr-3462	84	29	,	,	PUNCT
fsr-3462	84	30	2009	2009	NUM
fsr-3462	84	31	)	)	PUNCT
fsr-3462	84	32	.	.	PUNCT
fsr-3462	85	1	in	in	ADP
fsr-3462	85	2	particular	particular	ADJ
fsr-3462	85	3	,	,	PUNCT
fsr-3462	85	4	lusardi	lusardi	PROPN
fsr-3462	85	5	et	et	PROPN
fsr-3462	85	6	al	al	PROPN
fsr-3462	85	7	(	(	PUNCT
fsr-3462	85	8	2009	2009	NUM
fsr-3462	85	9	)	)	PUNCT
fsr-3462	85	10	note	note	VERB
fsr-3462	85	11	that	that	SCONJ
fsr-3462	85	12	young	young	ADJ
fsr-3462	85	13	adults	adult	NOUN
fsr-3462	85	14	with	with	ADP
fsr-3462	85	15	college	college	NOUN
fsr-3462	85	16	-	-	PUNCT
fsr-3462	85	17	educated	educate	VERB
fsr-3462	85	18	parents	parent	NOUN
fsr-3462	85	19	tend	tend	VERB
fsr-3462	85	20	to	to	PART
fsr-3462	85	21	have	have	VERB
fsr-3462	85	22	a	a	DET
fsr-3462	85	23	better	well	ADJ
fsr-3462	85	24	understanding	understanding	NOUN
fsr-3462	85	25	of	of	ADP
fsr-3462	85	26	financial	financial	ADJ
fsr-3462	85	27	concepts	concept	NOUN
fsr-3462	85	28	.	.	PUNCT
fsr-3462	86	1	mandell	mandell	PROPN
fsr-3462	86	2	(	(	PUNCT
fsr-3462	86	3	1997	1997	NUM
fsr-3462	86	4	)	)	PUNCT
fsr-3462	86	5	provides	provide	VERB
fsr-3462	86	6	evidence	evidence	NOUN
fsr-3462	86	7	on	on	ADP
fsr-3462	86	8	the	the	DET
fsr-3462	86	9	role	role	NOUN
fsr-3462	86	10	that	that	SCONJ
fsr-3462	86	11	proper	proper	ADJ
fsr-3462	86	12	types	type	NOUN
fsr-3462	86	13	of	of	ADP
fsr-3462	86	14	financial	financial	ADJ
fsr-3462	86	15	education	education	NOUN
fsr-3462	86	16	play	play	NOUN
fsr-3462	86	17	as	as	ADP
fsr-3462	86	18	a	a	DET
fsr-3462	86	19	significant	significant	ADJ
fsr-3462	86	20	factor	factor	NOUN
fsr-3462	86	21	in	in	ADP
fsr-3462	86	22	achieving	achieve	VERB
fsr-3462	86	23	financial	financial	ADJ
fsr-3462	86	24	literacy	literacy	NOUN
fsr-3462	86	25	,	,	PUNCT
fsr-3462	86	26	while	while	SCONJ
fsr-3462	86	27	others	other	NOUN
fsr-3462	86	28	indicate	indicate	VERB
fsr-3462	86	29	that	that	SCONJ
fsr-3462	86	30	much	much	ADJ
fsr-3462	86	31	of	of	ADP
fsr-3462	86	32	the	the	DET
fsr-3462	86	33	financial	financial	ADJ
fsr-3462	86	34	education	education	NOUN
fsr-3462	86	35	is	be	AUX
fsr-3462	86	36	being	be	AUX
fsr-3462	86	37	conducted	conduct	VERB
fsr-3462	86	38	through	through	ADP
fsr-3462	86	39	business	business	NOUN
fsr-3462	86	40	and	and	CCONJ
fsr-3462	86	41	community	community	NOUN
fsr-3462	86	42	organizations	organization	NOUN
fsr-3462	86	43	,	,	PUNCT
fsr-3462	86	44	and	and	CCONJ
fsr-3462	86	45	not	not	PART
fsr-3462	86	46	through	through	ADP
fsr-3462	86	47	educational	educational	ADJ
fsr-3462	86	48	institutions	institution	NOUN
fsr-3462	86	49	(	(	PUNCT
fsr-3462	86	50	fox	fox	PROPN
fsr-3462	86	51	et	et	PROPN
fsr-3462	86	52	al	al	PROPN
fsr-3462	86	53	.	.	PROPN
fsr-3462	86	54	,	,	PUNCT
fsr-3462	86	55	2005	2005	NUM
fsr-3462	86	56	)	)	PUNCT
fsr-3462	86	57	.	.	PUNCT
fsr-3462	87	1	g.	g.	PROPN
fsr-3462	87	2	barboza	barboza	PROPN
fsr-3462	87	3	et	et	PROPN
fsr-3462	87	4	al	al	PROPN
fsr-3462	87	5	.	.	PUNCT
fsr-3462	87	6	/	/	SYM
fsr-3462	87	7	financial	financial	ADJ
fsr-3462	87	8	services	service	NOUN
fsr-3462	87	9	review	review	VERB
fsr-3462	87	10	29	29	NUM
fsr-3462	87	11	(	(	PUNCT
fsr-3462	87	12	2021	2021	NUM
fsr-3462	87	13	)	)	PUNCT
fsr-3462	87	14	247–276	247–276	NUM
fsr-3462	87	15	251	251	NUM
fsr-3462	87	16	however	however	ADV
fsr-3462	87	17	,	,	PUNCT
fsr-3462	87	18	despite	despite	SCONJ
fsr-3462	87	19	that	that	SCONJ
fsr-3462	87	20	the	the	DET
fsr-3462	87	21	role	role	NOUN
fsr-3462	87	22	of	of	ADP
fsr-3462	87	23	diversity	diversity	NOUN
fsr-3462	87	24	(	(	PUNCT
fsr-3462	87	25	e.g.	e.g.	ADV
fsr-3462	87	26	,	,	PUNCT
fsr-3462	87	27	gender	gender	NOUN
fsr-3462	87	28	,	,	PUNCT
fsr-3462	87	29	ethnicity	ethnicity	NOUN
fsr-3462	87	30	,	,	PUNCT
fsr-3462	87	31	age	age	NOUN
fsr-3462	87	32	,	,	PUNCT
fsr-3462	87	33	and	and	CCONJ
fsr-3462	87	34	education	education	NOUN
fsr-3462	87	35	)	)	PUNCT
fsr-3462	87	36	has	have	AUX
fsr-3462	87	37	been	be	AUX
fsr-3462	87	38	well	well	ADV
fsr-3462	87	39	documented	document	VERB
fsr-3462	87	40	,	,	PUNCT
fsr-3462	87	41	including	include	VERB
fsr-3462	87	42	considering	consider	VERB
fsr-3462	87	43	different	different	ADJ
fsr-3462	87	44	settings	setting	NOUN
fsr-3462	87	45	and	and	CCONJ
fsr-3462	87	46	time	time	NOUN
fsr-3462	87	47	spans	span	NOUN
fsr-3462	87	48	,	,	PUNCT
fsr-3462	87	49	our	our	PRON
fsr-3462	87	50	understanding	understanding	NOUN
fsr-3462	87	51	of	of	ADP
fsr-3462	87	52	the	the	DET
fsr-3462	87	53	mechanisms	mechanism	NOUN
fsr-3462	87	54	and	and	CCONJ
fsr-3462	87	55	channels	channel	NOUN
fsr-3462	87	56	of	of	ADP
fsr-3462	87	57	how	how	SCONJ
fsr-3462	87	58	these	these	DET
fsr-3462	87	59	forms	form	NOUN
fsr-3462	87	60	of	of	ADP
fsr-3462	87	61	diversity	diversity	NOUN
fsr-3462	87	62	continue	continue	VERB
fsr-3462	87	63	to	to	PART
fsr-3462	87	64	result	result	VERB
fsr-3462	87	65	in	in	ADP
fsr-3462	87	66	significant	significant	ADJ
fsr-3462	87	67	gaps	gap	NOUN
fsr-3462	87	68	in	in	ADP
fsr-3462	87	69	financial	financial	ADJ
fsr-3462	87	70	literacy	literacy	NOUN
fsr-3462	87	71	and	and	CCONJ
fsr-3462	87	72	consequently	consequently	ADV
fsr-3462	87	73	results	result	VERB
fsr-3462	87	74	in	in	ADP
fsr-3462	87	75	pervasive	pervasive	ADJ
fsr-3462	87	76	effects	effect	NOUN
fsr-3462	87	77	,	,	PUNCT
fsr-3462	87	78	remains	remain	VERB
fsr-3462	87	79	a	a	DET
fsr-3462	87	80	conundrum	conundrum	NOUN
fsr-3462	87	81	.	.	PUNCT
fsr-3462	88	1	the	the	DET
fsr-3462	88	2	quest	quest	NOUN
fsr-3462	88	3	to	to	PART
fsr-3462	88	4	find	find	VERB
fsr-3462	88	5	solutions	solution	NOUN
fsr-3462	88	6	to	to	ADP
fsr-3462	88	7	these	these	DET
fsr-3462	88	8	differences	difference	NOUN
fsr-3462	88	9	is	be	AUX
fsr-3462	88	10	far	far	ADV
fsr-3462	88	11	from	from	ADP
fsr-3462	88	12	complete	complete	ADJ
fsr-3462	88	13	.	.	PUNCT
fsr-3462	89	1	this	this	DET
fsr-3462	89	2	challenge	challenge	NOUN
fsr-3462	89	3	is	be	AUX
fsr-3462	89	4	more	more	ADV
fsr-3462	89	5	complicated	complicated	ADJ
fsr-3462	89	6	given	give	VERB
fsr-3462	89	7	the	the	DET
fsr-3462	89	8	plethora	plethora	NOUN
fsr-3462	89	9	of	of	ADP
fsr-3462	89	10	methodologies	methodology	NOUN
fsr-3462	89	11	used	use	VERB
fsr-3462	89	12	to	to	PART
fsr-3462	89	13	assess	assess	VERB
fsr-3462	89	14	financial	financial	ADJ
fsr-3462	89	15	literacy	literacy	NOUN
fsr-3462	89	16	.	.	PUNCT
fsr-3462	90	1	to	to	ADP
fsr-3462	90	2	date	date	NOUN
fsr-3462	90	3	,	,	PUNCT
fsr-3462	90	4	the	the	DET
fsr-3462	90	5	issue	issue	NOUN
fsr-3462	90	6	of	of	ADP
fsr-3462	90	7	assessing	assess	VERB
fsr-3462	90	8	financial	financial	ADJ
fsr-3462	90	9	literacy	literacy	NOUN
fsr-3462	90	10	has	have	AUX
fsr-3462	90	11	concentrated	concentrate	VERB
fsr-3462	90	12	on	on	ADP
fsr-3462	90	13	the	the	DET
fsr-3462	90	14	conceptual	conceptual	ADJ
fsr-3462	90	15	definition	definition	NOUN
fsr-3462	90	16	of	of	ADP
fsr-3462	90	17	this	this	DET
fsr-3462	90	18	latent	latent	NOUN
fsr-3462	90	19	variable	variable	NOUN
fsr-3462	90	20	.	.	PUNCT
fsr-3462	91	1	houston	houston	PROPN
fsr-3462	91	2	(	(	PUNCT
fsr-3462	91	3	2010	2010	NUM
fsr-3462	91	4	)	)	PUNCT
fsr-3462	91	5	and	and	CCONJ
fsr-3462	91	6	remund	remund	NOUN
fsr-3462	91	7	(	(	PUNCT
fsr-3462	91	8	2010	2010	NUM
fsr-3462	91	9	)	)	PUNCT
fsr-3462	91	10	provide	provide	VERB
fsr-3462	91	11	a	a	DET
fsr-3462	91	12	thorough	thorough	ADJ
fsr-3462	91	13	literature	literature	NOUN
fsr-3462	91	14	review	review	NOUN
fsr-3462	91	15	that	that	PRON
fsr-3462	91	16	helps	help	VERB
fsr-3462	91	17	frame	frame	VERB
fsr-3462	91	18	the	the	DET
fsr-3462	91	19	issue	issue	NOUN
fsr-3462	91	20	of	of	ADP
fsr-3462	91	21	the	the	DET
fsr-3462	91	22	conceptual	conceptual	ADJ
fsr-3462	91	23	definition	definition	NOUN
fsr-3462	91	24	of	of	ADP
fsr-3462	91	25	what	what	PRON
fsr-3462	91	26	financial	financial	ADJ
fsr-3462	91	27	literacy	literacy	NOUN
fsr-3462	91	28	is	be	AUX
fsr-3462	91	29	or	or	CCONJ
fsr-3462	91	30	should	should	AUX
fsr-3462	91	31	be	be	AUX
fsr-3462	91	32	.	.	PUNCT
fsr-3462	92	1	indeed	indeed	ADV
fsr-3462	92	2	,	,	PUNCT
fsr-3462	92	3	financial	financial	ADJ
fsr-3462	92	4	literacy	literacy	NOUN
fsr-3462	92	5	has	have	AUX
fsr-3462	92	6	been	be	AUX
fsr-3462	92	7	variably	variably	ADV
fsr-3462	92	8	defined	define	VERB
fsr-3462	92	9	as	as	ADP
fsr-3462	92	10	specifically	specifically	ADV
fsr-3462	92	11	referring	refer	VERB
fsr-3462	92	12	to	to	ADP
fsr-3462	92	13	a	a	DET
fsr-3462	92	14	form	form	NOUN
fsr-3462	92	15	of	of	ADP
fsr-3462	92	16	knowledge	knowledge	NOUN
fsr-3462	92	17	(	(	PUNCT
fsr-3462	92	18	e.g.	e.g.	ADV
fsr-3462	92	19	,	,	PUNCT
fsr-3462	92	20	hilgert	hilgert	PROPN
fsr-3462	92	21	,	,	PUNCT
fsr-3462	92	22	hogarth	hogarth	NOUN
fsr-3462	92	23	,	,	PUNCT
fsr-3462	92	24	&	&	CCONJ
fsr-3462	92	25	beverly	beverly	PROPN
fsr-3462	92	26	,	,	PUNCT
fsr-3462	92	27	2003	2003	NUM
fsr-3462	92	28	)	)	PUNCT
fsr-3462	92	29	,	,	PUNCT
fsr-3462	92	30	the	the	DET
fsr-3462	92	31	ability	ability	NOUN
fsr-3462	92	32	to	to	PART
fsr-3462	92	33	apply	apply	VERB
fsr-3462	92	34	that	that	DET
fsr-3462	92	35	knowledge	knowledge	NOUN
fsr-3462	92	36	(	(	PUNCT
fsr-3462	92	37	e.g.	e.g.	ADV
fsr-3462	92	38	,	,	PUNCT
fsr-3462	92	39	mandell	mandell	PROPN
fsr-3462	92	40	,	,	PUNCT
fsr-3462	92	41	2008	2008	NUM
fsr-3462	92	42	)	)	PUNCT
fsr-3462	92	43	,	,	PUNCT
fsr-3462	92	44	or	or	CCONJ
fsr-3462	92	45	good	good	ADJ
fsr-3462	92	46	financial	financial	ADJ
fsr-3462	92	47	behavior	behavior	NOUN
fsr-3462	92	48	(	(	PUNCT
fsr-3462	92	49	e.g.	e.g.	ADV
fsr-3462	92	50	,	,	PUNCT
fsr-3462	92	51	moore	moore	PROPN
fsr-3462	92	52	,	,	PUNCT
fsr-3462	92	53	2003	2003	NUM
fsr-3462	92	54	)	)	PUNCT
fsr-3462	92	55	.	.	PUNCT
fsr-3462	93	1	the	the	DET
fsr-3462	93	2	constructs	construct	NOUN
fsr-3462	93	3	used	use	VERB
fsr-3462	93	4	to	to	PART
fsr-3462	93	5	measure	measure	VERB
fsr-3462	93	6	financial	financial	ADJ
fsr-3462	93	7	literacy	literacy	NOUN
fsr-3462	93	8	vary	vary	VERB
fsr-3462	93	9	quite	quite	ADV
fsr-3462	93	10	substantially	substantially	ADV
fsr-3462	93	11	according	accord	VERB
fsr-3462	93	12	to	to	ADP
fsr-3462	93	13	the	the	DET
fsr-3462	93	14	different	different	ADJ
fsr-3462	93	15	conceptual	conceptual	ADJ
fsr-3462	93	16	definitions	definition	NOUN
fsr-3462	93	17	adopted	adopt	VERB
fsr-3462	93	18	.	.	PUNCT
fsr-3462	94	1	in	in	ADP
fsr-3462	94	2	fact	fact	NOUN
fsr-3462	94	3	,	,	PUNCT
fsr-3462	94	4	the	the	DET
fsr-3462	94	5	construct	construct	NOUN
fsr-3462	94	6	either	either	CCONJ
fsr-3462	94	7	covers	cover	VERB
fsr-3462	94	8	a	a	DET
fsr-3462	94	9	wide	wide	ADJ
fsr-3462	94	10	variety	variety	NOUN
fsr-3462	94	11	of	of	ADP
fsr-3462	94	12	financial	financial	ADJ
fsr-3462	94	13	topics	topic	NOUN
fsr-3462	94	14	,	,	PUNCT
fsr-3462	94	15	including	include	VERB
fsr-3462	94	16	debt	debt	NOUN
fsr-3462	94	17	,	,	PUNCT
fsr-3462	94	18	insurance	insurance	NOUN
fsr-3462	94	19	,	,	PUNCT
fsr-3462	94	20	spending	spending	NOUN
fsr-3462	94	21	,	,	PUNCT
fsr-3462	94	22	investments	investment	NOUN
fsr-3462	94	23	and	and	CCONJ
fsr-3462	94	24	retirement	retirement	NOUN
fsr-3462	94	25	savings	saving	NOUN
fsr-3462	94	26	,	,	PUNCT
fsr-3462	94	27	budgeting	budgeting	NOUN
fsr-3462	94	28	,	,	PUNCT
fsr-3462	94	29	and	and	CCONJ
fsr-3462	94	30	inflation	inflation	NOUN
fsr-3462	94	31	,	,	PUNCT
fsr-3462	94	32	or	or	CCONJ
fsr-3462	94	33	focuses	focus	VERB
fsr-3462	94	34	on	on	ADP
fsr-3462	94	35	a	a	DET
fsr-3462	94	36	few	few	ADJ
fsr-3462	94	37	financial	financial	ADJ
fsr-3462	94	38	issues	issue	NOUN
fsr-3462	94	39	.	.	PUNCT
fsr-3462	95	1	accordingly	accordingly	ADV
fsr-3462	95	2	,	,	PUNCT
fsr-3462	95	3	the	the	DET
fsr-3462	95	4	number	number	NOUN
fsr-3462	95	5	of	of	ADP
fsr-3462	95	6	questions	question	NOUN
fsr-3462	95	7	used	use	VERB
fsr-3462	95	8	to	to	PART
fsr-3462	95	9	assess	assess	VERB
fsr-3462	95	10	financial	financial	ADJ
fsr-3462	95	11	knowledge	knowledge	NOUN
fsr-3462	95	12	levels	level	NOUN
fsr-3462	95	13	varies	vary	VERB
fsr-3462	95	14	widely	widely	ADV
fsr-3462	95	15	,	,	PUNCT
fsr-3462	95	16	ranging	range	VERB
fsr-3462	95	17	from	from	ADP
fsr-3462	95	18	three	three	NUM
fsr-3462	95	19	to	to	PART
fsr-3462	95	20	45	45	NUM
fsr-3462	95	21	total	total	ADJ
fsr-3462	95	22	items	item	NOUN
fsr-3462	95	23	.	.	PUNCT
fsr-3462	96	1	across	across	ADP
fsr-3462	96	2	studies	study	NOUN
fsr-3462	96	3	,	,	PUNCT
fsr-3462	96	4	both	both	PRON
fsr-3462	96	5	multiple	multiple	ADJ
fsr-3462	96	6	-	-	PUNCT
fsr-3462	96	7	choice	choice	NOUN
fsr-3462	96	8	questionnaires	questionnaire	NOUN
fsr-3462	96	9	and	and	CCONJ
fsr-3462	96	10	self	self	NOUN
fsr-3462	96	11	-	-	PUNCT
fsr-3462	96	12	report	report	NOUN
fsr-3462	96	13	questions	question	NOUN
fsr-3462	96	14	have	have	AUX
fsr-3462	96	15	been	be	AUX
fsr-3462	96	16	employed	employ	VERB
fsr-3462	96	17	to	to	PART
fsr-3462	96	18	measure	measure	VERB
fsr-3462	96	19	financial	financial	ADJ
fsr-3462	96	20	literacy	literacy	NOUN
fsr-3462	96	21	;	;	PUNCT
fsr-3462	96	22	where	where	SCONJ
fsr-3462	96	23	the	the	DET
fsr-3462	96	24	former	former	ADJ
fsr-3462	96	25	are	be	AUX
fsr-3462	96	26	knowledge	knowledge	NOUN
fsr-3462	96	27	based	base	VERB
fsr-3462	96	28	and	and	CCONJ
fsr-3462	96	29	the	the	DET
fsr-3462	96	30	latter	latter	ADJ
fsr-3462	96	31	assess	assess	NOUN
fsr-3462	96	32	perceived	perceive	VERB
fsr-3462	96	33	knowledge	knowledge	NOUN
fsr-3462	96	34	.	.	PUNCT
fsr-3462	97	1	more	more	ADV
fsr-3462	97	2	recently	recently	ADV
fsr-3462	97	3	,	,	PUNCT
fsr-3462	97	4	surveys	survey	NOUN
fsr-3462	97	5	have	have	AUX
fsr-3462	97	6	been	be	AUX
fsr-3462	97	7	designed	design	VERB
fsr-3462	97	8	to	to	PART
fsr-3462	97	9	gauge	gauge	VERB
fsr-3462	97	10	both	both	DET
fsr-3462	97	11	objective	objective	ADJ
fsr-3462	97	12	knowledge	knowledge	NOUN
fsr-3462	97	13	and	and	CCONJ
fsr-3462	97	14	perceived	perceive	VERB
fsr-3462	97	15	knowledge	knowledge	NOUN
fsr-3462	97	16	.	.	PUNCT
fsr-3462	98	1	in	in	ADP
fsr-3462	98	2	general	general	ADJ
fsr-3462	98	3	,	,	PUNCT
fsr-3462	98	4	considerable	considerable	ADJ
fsr-3462	98	5	progress	progress	NOUN
fsr-3462	98	6	has	have	AUX
fsr-3462	98	7	been	be	AUX
fsr-3462	98	8	achieved	achieve	VERB
fsr-3462	98	9	in	in	ADP
fsr-3462	98	10	the	the	DET
fsr-3462	98	11	design	design	NOUN
fsr-3462	98	12	of	of	ADP
fsr-3462	98	13	surveys	survey	NOUN
fsr-3462	98	14	aimed	aim	VERB
fsr-3462	98	15	at	at	ADP
fsr-3462	98	16	identifying	identify	VERB
fsr-3462	98	17	individual	individual	ADJ
fsr-3462	98	18	levels	level	NOUN
fsr-3462	98	19	of	of	ADP
fsr-3462	98	20	financial	financial	ADJ
fsr-3462	98	21	literacy	literacy	NOUN
fsr-3462	98	22	through	through	ADP
fsr-3462	98	23	the	the	DET
fsr-3462	98	24	effort	effort	NOUN
fsr-3462	98	25	made	make	VERB
fsr-3462	98	26	by	by	ADP
fsr-3462	98	27	the	the	DET
fsr-3462	98	28	oecd	oecd	PROPN
fsr-3462	98	29	and	and	CCONJ
fsr-3462	98	30	its	its	PRON
fsr-3462	98	31	international	international	ADJ
fsr-3462	98	32	network	network	NOUN
fsr-3462	98	33	on	on	ADP
fsr-3462	98	34	financial	financial	ADJ
fsr-3462	98	35	education	education	NOUN
fsr-3462	98	36	(	(	PUNCT
fsr-3462	98	37	infe	infe	NOUN
fsr-3462	98	38	)	)	PUNCT
fsr-3462	98	39	.	.	PUNCT
fsr-3462	99	1	jointly	jointly	ADV
fsr-3462	99	2	they	they	PRON
fsr-3462	99	3	develop	develop	VERB
fsr-3462	99	4	and	and	CCONJ
fsr-3462	99	5	promote	promote	VERB
fsr-3462	99	6	a	a	DET
fsr-3462	99	7	common	common	ADJ
fsr-3462	99	8	questionnaire	questionnaire	NOUN
fsr-3462	99	9	based	base	VERB
fsr-3462	99	10	on	on	ADP
fsr-3462	99	11	the	the	DET
fsr-3462	99	12	experience	experience	NOUN
fsr-3462	99	13	of	of	ADP
fsr-3462	99	14	a	a	DET
fsr-3462	99	15	large	large	ADJ
fsr-3462	99	16	number	number	NOUN
fsr-3462	99	17	of	of	ADP
fsr-3462	99	18	previous	previous	ADJ
fsr-3462	99	19	rigorous	rigorous	ADJ
fsr-3462	99	20	national	national	ADJ
fsr-3462	99	21	and	and	CCONJ
fsr-3462	99	22	international	international	ADJ
fsr-3462	99	23	surveys	survey	NOUN
fsr-3462	99	24	.	.	PUNCT
fsr-3462	100	1	the	the	DET
fsr-3462	100	2	oecd	oecd	PROPN
fsr-3462	100	3	/	/	SYM
fsr-3462	100	4	infe	infe	NOUN
fsr-3462	100	5	(	(	PUNCT
fsr-3462	100	6	2012	2012	NUM
fsr-3462	100	7	)	)	PUNCT
fsr-3462	100	8	report	report	NOUN
fsr-3462	100	9	describes	describe	VERB
fsr-3462	100	10	the	the	DET
fsr-3462	100	11	questionnaire	questionnaire	NOUN
fsr-3462	100	12	’s	’s	PART
fsr-3462	100	13	underlying	underlie	VERB
fsr-3462	100	14	methodology	methodology	NOUN
fsr-3462	100	15	and	and	CCONJ
fsr-3462	100	16	kempson	kempson	NOUN
fsr-3462	100	17	(	(	PUNCT
fsr-3462	100	18	2009	2009	NUM
fsr-3462	100	19	)	)	PUNCT
fsr-3462	100	20	provides	provide	VERB
fsr-3462	100	21	further	further	ADJ
fsr-3462	100	22	details	detail	NOUN
fsr-3462	100	23	on	on	ADP
fsr-3462	100	24	this	this	DET
fsr-3462	100	25	subject.4	subject.4	VERB
fsr-3462	100	26	due	due	ADP
fsr-3462	100	27	to	to	ADP
fsr-3462	100	28	its	its	PRON
fsr-3462	100	29	importance	importance	NOUN
fsr-3462	100	30	,	,	PUNCT
fsr-3462	100	31	research	research	NOUN
fsr-3462	100	32	on	on	ADP
fsr-3462	100	33	financial	financial	ADJ
fsr-3462	100	34	literacy	literacy	NOUN
fsr-3462	100	35	has	have	AUX
fsr-3462	100	36	in	in	ADP
fsr-3462	100	37	fact	fact	NOUN
fsr-3462	100	38	inspired	inspire	VERB
fsr-3462	100	39	numerous	numerous	ADJ
fsr-3462	100	40	public	public	ADJ
fsr-3462	100	41	initiatives	initiative	NOUN
fsr-3462	100	42	at	at	ADP
fsr-3462	100	43	both	both	CCONJ
fsr-3462	100	44	the	the	DET
fsr-3462	100	45	national	national	ADJ
fsr-3462	100	46	and	and	CCONJ
fsr-3462	100	47	international	international	ADJ
fsr-3462	100	48	level	level	NOUN
fsr-3462	100	49	.	.	PUNCT
fsr-3462	101	1	several	several	ADJ
fsr-3462	101	2	countries	country	NOUN
fsr-3462	101	3	now	now	ADV
fsr-3462	101	4	have	have	VERB
fsr-3462	101	5	financial	financial	ADJ
fsr-3462	101	6	literacy	literacy	NOUN
fsr-3462	101	7	initiatives	initiative	NOUN
fsr-3462	101	8	and	and	CCONJ
fsr-3462	101	9	strategies	strategy	NOUN
fsr-3462	101	10	in	in	ADP
fsr-3462	101	11	place	place	NOUN
fsr-3462	101	12	to	to	PART
fsr-3462	101	13	increase	increase	VERB
fsr-3462	101	14	the	the	DET
fsr-3462	101	15	levels	level	NOUN
fsr-3462	101	16	of	of	ADP
fsr-3462	101	17	financial	financial	ADJ
fsr-3462	101	18	understanding	understanding	NOUN
fsr-3462	101	19	and	and	CCONJ
fsr-3462	101	20	knowledge	knowledge	NOUN
fsr-3462	101	21	among	among	ADP
fsr-3462	101	22	all	all	DET
fsr-3462	101	23	citizens	citizen	NOUN
fsr-3462	101	24	.	.	PUNCT
fsr-3462	102	1	in	in	ADP
fsr-3462	102	2	contrast	contrast	NOUN
fsr-3462	102	3	,	,	PUNCT
fsr-3462	102	4	it	it	PRON
fsr-3462	102	5	is	be	AUX
fsr-3462	102	6	not	not	PART
fsr-3462	102	7	until	until	ADP
fsr-3462	102	8	very	very	ADV
fsr-3462	102	9	recently	recently	ADV
fsr-3462	102	10	,	,	PUNCT
fsr-3462	102	11	that	that	SCONJ
fsr-3462	102	12	the	the	DET
fsr-3462	102	13	process	process	NOUN
fsr-3462	102	14	of	of	ADP
fsr-3462	102	15	data	datum	NOUN
fsr-3462	102	16	analysis	analysis	NOUN
fsr-3462	102	17	(	(	PUNCT
fsr-3462	102	18	i.e.	i.e.	X
fsr-3462	102	19	,	,	PUNCT
fsr-3462	102	20	of	of	ADP
fsr-3462	102	21	analyzing	analyze	VERB
fsr-3462	102	22	the	the	DET
fsr-3462	102	23	information	information	NOUN
fsr-3462	102	24	obtained	obtain	VERB
fsr-3462	102	25	through	through	ADP
fsr-3462	102	26	questionnaires	questionnaire	NOUN
fsr-3462	102	27	)	)	PUNCT
fsr-3462	102	28	has	have	AUX
fsr-3462	102	29	taken	take	VERB
fsr-3462	102	30	a	a	DET
fsr-3462	102	31	central	central	ADJ
fsr-3462	102	32	role	role	NOUN
fsr-3462	102	33	in	in	ADP
fsr-3462	102	34	exploring	explore	VERB
fsr-3462	102	35	the	the	DET
fsr-3462	102	36	difference	difference	NOUN
fsr-3462	102	37	between	between	ADP
fsr-3462	102	38	financial	financial	ADJ
fsr-3462	102	39	literacy	literacy	NOUN
fsr-3462	102	40	and	and	CCONJ
fsr-3462	102	41	illiteracy	illiteracy	NOUN
fsr-3462	102	42	.	.	PUNCT
fsr-3462	103	1	that	that	PRON
fsr-3462	103	2	is	be	AUX
fsr-3462	103	3	to	to	PART
fsr-3462	103	4	say	say	VERB
fsr-3462	103	5	,	,	PUNCT
fsr-3462	103	6	the	the	DET
fsr-3462	103	7	emphasis	emphasis	NOUN
fsr-3462	103	8	has	have	AUX
fsr-3462	103	9	been	be	AUX
fsr-3462	103	10	on	on	ADP
fsr-3462	103	11	what	what	PRON
fsr-3462	103	12	is	be	AUX
fsr-3462	103	13	known	know	VERB
fsr-3462	103	14	but	but	CCONJ
fsr-3462	103	15	not	not	PART
fsr-3462	103	16	in	in	ADP
fsr-3462	103	17	what	what	PRON
fsr-3462	103	18	it	it	PRON
fsr-3462	103	19	is	be	AUX
fsr-3462	103	20	not	not	PART
fsr-3462	103	21	known	know	VERB
fsr-3462	103	22	.	.	PUNCT
fsr-3462	104	1	in	in	ADP
fsr-3462	104	2	other	other	ADJ
fsr-3462	104	3	words	word	NOUN
fsr-3462	104	4	,	,	PUNCT
fsr-3462	104	5	the	the	DET
fsr-3462	104	6	research	research	NOUN
fsr-3462	104	7	focus	focus	NOUN
fsr-3462	104	8	has	have	AUX
fsr-3462	104	9	been	be	AUX
fsr-3462	104	10	placed	place	VERB
fsr-3462	104	11	on	on	ADP
fsr-3462	104	12	people	people	NOUN
fsr-3462	104	13	thinking	think	VERB
fsr-3462	104	14	that	that	SCONJ
fsr-3462	104	15	they	they	PRON
fsr-3462	104	16	know	know	VERB
fsr-3462	104	17	enough	enough	ADV
fsr-3462	104	18	to	to	PART
fsr-3462	104	19	be	be	AUX
fsr-3462	104	20	correct	correct	ADJ
fsr-3462	104	21	,	,	PUNCT
fsr-3462	104	22	but	but	CCONJ
fsr-3462	104	23	not	not	PART
fsr-3462	104	24	realizing	realize	VERB
fsr-3462	104	25	that	that	SCONJ
fsr-3462	104	26	they	they	PRON
fsr-3462	104	27	do	do	AUX
fsr-3462	104	28	not	not	PART
fsr-3462	104	29	know	know	VERB
fsr-3462	104	30	enough	enough	ADJ
fsr-3462	104	31	to	to	PART
fsr-3462	104	32	be	be	AUX
fsr-3462	104	33	correct	correct	ADJ
fsr-3462	104	34	.	.	PUNCT
fsr-3462	105	1	due	due	ADP
fsr-3462	105	2	to	to	ADP
fsr-3462	105	3	the	the	DET
fsr-3462	105	4	large	large	ADJ
fsr-3462	105	5	arrays	array	NOUN
fsr-3462	105	6	of	of	ADP
fsr-3462	105	7	data	datum	NOUN
fsr-3462	105	8	sources	source	NOUN
fsr-3462	105	9	,	,	PUNCT
fsr-3462	105	10	it	it	PRON
fsr-3462	105	11	has	have	AUX
fsr-3462	105	12	become	become	VERB
fsr-3462	105	13	necessary	necessary	ADJ
fsr-3462	105	14	to	to	PART
fsr-3462	105	15	use	use	VERB
fsr-3462	105	16	both	both	PRON
fsr-3462	105	17	bivariate	bivariate	ADJ
fsr-3462	105	18	(	(	PUNCT
fsr-3462	105	19	ordered	order	VERB
fsr-3462	105	20	data	datum	NOUN
fsr-3462	105	21	from	from	ADP
fsr-3462	105	22	less	less	ADJ
fsr-3462	105	23	to	to	ADP
fsr-3462	105	24	more	more	ADJ
fsr-3462	105	25	)	)	PUNCT
fsr-3462	105	26	and	and	CCONJ
fsr-3462	105	27	multivariate	multivariate	VERB
fsr-3462	105	28	techniques	technique	NOUN
fsr-3462	105	29	to	to	PART
fsr-3462	105	30	quantify	quantify	VERB
fsr-3462	105	31	financial	financial	ADJ
fsr-3462	105	32	(	(	PUNCT
fsr-3462	105	33	il)literacy	il)literacy	NOUN
fsr-3462	105	34	.	.	PUNCT
fsr-3462	106	1	in	in	ADP
fsr-3462	106	2	general	general	ADJ
fsr-3462	106	3	,	,	PUNCT
fsr-3462	106	4	responses	response	NOUN
fsr-3462	106	5	to	to	ADP
fsr-3462	106	6	the	the	DET
fsr-3462	106	7	stated	state	VERB
fsr-3462	106	8	questions	question	NOUN
fsr-3462	106	9	are	be	AUX
fsr-3462	106	10	simply	simply	ADV
fsr-3462	106	11	summed	sum	VERB
fsr-3462	106	12	to	to	PART
fsr-3462	106	13	generate	generate	VERB
fsr-3462	106	14	an	an	DET
fsr-3462	106	15	index	index	NOUN
fsr-3462	106	16	(	(	PUNCT
fsr-3462	106	17	score	score	NOUN
fsr-3462	106	18	)	)	PUNCT
fsr-3462	106	19	of	of	ADP
fsr-3462	106	20	financial	financial	ADJ
fsr-3462	106	21	literacy	literacy	NOUN
fsr-3462	106	22	,	,	PUNCT
fsr-3462	106	23	which	which	PRON
fsr-3462	106	24	typically	typically	ADV
fsr-3462	106	25	ranges	range	VERB
fsr-3462	106	26	between	between	ADP
fsr-3462	106	27	zero	zero	NUM
fsr-3462	106	28	and	and	CCONJ
fsr-3462	106	29	the	the	DET
fsr-3462	106	30	maximum	maximum	ADJ
fsr-3462	106	31	number	number	NOUN
fsr-3462	106	32	of	of	ADP
fsr-3462	106	33	correct	correct	ADJ
fsr-3462	106	34	answers.5	answers.5	PROPN
fsr-3462	106	35	a	a	DET
fsr-3462	106	36	common	common	ADJ
fsr-3462	106	37	practice	practice	NOUN
fsr-3462	106	38	to	to	ADP
fsr-3462	106	39	most	most	ADJ
fsr-3462	106	40	studies	study	NOUN
fsr-3462	106	41	is	be	AUX
fsr-3462	106	42	to	to	PART
fsr-3462	106	43	cluster	cluster	VERB
fsr-3462	106	44	the	the	DET
fsr-3462	106	45	“	"	PUNCT
fsr-3462	106	46	do	do	AUX
fsr-3462	106	47	not	not	PART
fsr-3462	106	48	know	know	VERB
fsr-3462	106	49	”	"	PUNCT
fsr-3462	106	50	responding	respond	VERB
fsr-3462	106	51	with	with	ADP
fsr-3462	106	52	“	"	PUNCT
fsr-3462	106	53	incorrect	incorrect	ADJ
fsr-3462	106	54	”	"	PUNCT
fsr-3462	106	55	answers	answer	NOUN
fsr-3462	106	56	,	,	PUNCT
fsr-3462	106	57	in	in	ADP
fsr-3462	106	58	opposition	opposition	NOUN
fsr-3462	106	59	to	to	ADP
fsr-3462	106	60	“	"	PUNCT
fsr-3462	106	61	correct	correct	ADJ
fsr-3462	106	62	”	"	PUNCT
fsr-3462	106	63	answers	answer	NOUN
fsr-3462	106	64	,	,	PUNCT
fsr-3462	106	65	notwithstanding	notwithstanding	ADP
fsr-3462	106	66	the	the	DET
fsr-3462	106	67	fact	fact	NOUN
fsr-3462	106	68	that	that	SCONJ
fsr-3462	106	69	it	it	PRON
fsr-3462	106	70	is	be	AUX
fsr-3462	106	71	252	252	NUM
fsr-3462	106	72	g.	g.	NOUN
fsr-3462	106	73	barboza	barboza	PROPN
fsr-3462	106	74	et	et	PROPN
fsr-3462	106	75	al	al	PROPN
fsr-3462	106	76	.	.	PUNCT
fsr-3462	106	77	/	/	SYM
fsr-3462	106	78	financial	financial	ADJ
fsr-3462	106	79	services	service	NOUN
fsr-3462	106	80	review	review	VERB
fsr-3462	106	81	29	29	NUM
fsr-3462	106	82	(	(	PUNCT
fsr-3462	106	83	2021	2021	NUM
fsr-3462	106	84	)	)	PUNCT
fsr-3462	106	85	247–276	247–276	NUM
fsr-3462	106	86	also	also	ADV
fsr-3462	106	87	widely	widely	ADV
fsr-3462	106	88	recognized	recognize	VERB
fsr-3462	106	89	that	that	SCONJ
fsr-3462	106	90	these	these	DET
fsr-3462	106	91	two	two	NUM
fsr-3462	106	92	types	type	NOUN
fsr-3462	106	93	of	of	ADP
fsr-3462	106	94	responses	response	NOUN
fsr-3462	106	95	(	(	PUNCT
fsr-3462	106	96	dnk	dnk	NOUN
fsr-3462	106	97	and	and	CCONJ
fsr-3462	106	98	incorrect	incorrect	ADJ
fsr-3462	106	99	)	)	PUNCT
fsr-3462	106	100	might	might	AUX
fsr-3462	106	101	refer	refer	VERB
fsr-3462	106	102	to	to	ADP
fsr-3462	106	103	two	two	NUM
fsr-3462	106	104	distinct	distinct	ADJ
fsr-3462	106	105	kind	kind	NOUN
fsr-3462	106	106	of	of	ADP
fsr-3462	106	107	respondents	respondent	NOUN
fsr-3462	106	108	,	,	PUNCT
fsr-3462	106	109	with	with	ADP
fsr-3462	106	110	diverse	diverse	ADJ
fsr-3462	106	111	(	(	PUNCT
fsr-3462	106	112	financial	financial	ADJ
fsr-3462	106	113	)	)	PUNCT
fsr-3462	106	114	educational	educational	ADJ
fsr-3462	106	115	needs	need	NOUN
fsr-3462	106	116	.	.	PUNCT
fsr-3462	107	1	manton	manton	PROPN
fsr-3462	107	2	et	et	PROPN
fsr-3462	107	3	al	al	PROPN
fsr-3462	107	4	.	.	PROPN
fsr-3462	107	5	(	(	PUNCT
fsr-3462	107	6	2006	2006	NUM
fsr-3462	107	7	)	)	PUNCT
fsr-3462	107	8	were	be	AUX
fsr-3462	107	9	the	the	DET
fsr-3462	107	10	first	first	ADJ
fsr-3462	107	11	to	to	PART
fsr-3462	107	12	signal	signal	VERB
fsr-3462	107	13	that	that	SCONJ
fsr-3462	107	14	college	college	NOUN
fsr-3462	107	15	women	woman	NOUN
fsr-3462	107	16	tend	tend	VERB
fsr-3462	107	17	to	to	PART
fsr-3462	107	18	select	select	VERB
fsr-3462	107	19	“	"	PUNCT
fsr-3462	107	20	do	do	AUX
fsr-3462	107	21	n’t	not	PART
fsr-3462	107	22	know	know	VERB
fsr-3462	107	23	”	"	PUNCT
fsr-3462	107	24	response	response	NOUN
fsr-3462	107	25	more	more	ADV
fsr-3462	107	26	frequently	frequently	ADV
fsr-3462	107	27	than	than	ADP
fsr-3462	107	28	men	man	NOUN
fsr-3462	107	29	,	,	PUNCT
fsr-3462	107	30	especially	especially	ADV
fsr-3462	107	31	on	on	ADP
fsr-3462	107	32	more	more	ADV
fsr-3462	107	33	numerically	numerically	ADV
fsr-3462	107	34	oriented	orient	VERB
fsr-3462	107	35	subjects	subject	NOUN
fsr-3462	107	36	.	.	PUNCT
fsr-3462	108	1	in	in	ADP
fsr-3462	108	2	the	the	DET
fsr-3462	108	3	same	same	ADJ
fsr-3462	108	4	vein	vein	NOUN
fsr-3462	108	5	,	,	PUNCT
fsr-3462	108	6	lusardi	lusardi	NOUN
fsr-3462	108	7	and	and	CCONJ
fsr-3462	108	8	mitchell	mitchell	PROPN
fsr-3462	108	9	(	(	PUNCT
fsr-3462	108	10	2014	2014	NUM
fsr-3462	108	11	)	)	PUNCT
fsr-3462	108	12	pointed	point	VERB
fsr-3462	108	13	out	out	ADP
fsr-3462	108	14	that	that	SCONJ
fsr-3462	108	15	“	"	PUNCT
fsr-3462	108	16	one	one	NUM
fsr-3462	108	17	twist	twist	NOUN
fsr-3462	108	18	on	on	ADP
fsr-3462	108	19	the	the	DET
fsr-3462	108	20	differences	difference	NOUN
fsr-3462	108	21	by	by	ADP
fsr-3462	108	22	sex	sex	NOUN
fsr-3462	108	23	,	,	PUNCT
fsr-3462	108	24	(	(	PUNCT
fsr-3462	108	25	.	.	PUNCT
fsr-3462	108	26	.	.	PUNCT
fsr-3462	108	27	.	.	PUNCT
fsr-3462	108	28	)	)	PUNCT
fsr-3462	109	1	is	be	AUX
fsr-3462	109	2	that	that	SCONJ
fsr-3462	109	3	while	while	SCONJ
fsr-3462	109	4	women	woman	NOUN
fsr-3462	109	5	are	be	AUX
fsr-3462	109	6	less	less	ADV
fsr-3462	109	7	likely	likely	ADJ
fsr-3462	109	8	to	to	PART
fsr-3462	109	9	answer	answer	VERB
fsr-3462	109	10	financial	financial	ADJ
fsr-3462	109	11	literacy	literacy	NOUN
fsr-3462	109	12	questions	question	NOUN
fsr-3462	109	13	correctly	correctly	ADV
fsr-3462	109	14	than	than	ADP
fsr-3462	109	15	men	man	NOUN
fsr-3462	109	16	,	,	PUNCT
fsr-3462	109	17	they	they	PRON
fsr-3462	109	18	are	be	AUX
fsr-3462	109	19	also	also	ADV
fsr-3462	109	20	far	far	ADV
fsr-3462	109	21	more	more	ADV
fsr-3462	109	22	likely	likely	ADJ
fsr-3462	109	23	to	to	PART
fsr-3462	109	24	say	say	VERB
fsr-3462	109	25	they	they	PRON
fsr-3462	109	26	‘	'	PUNCT
fsr-3462	109	27	do	do	AUX
fsr-3462	109	28	not	not	PART
fsr-3462	109	29	know	know	VERB
fsr-3462	109	30	’	'	PUNCT
fsr-3462	109	31	an	an	DET
fsr-3462	109	32	answer	answer	NOUN
fsr-3462	109	33	to	to	ADP
fsr-3462	109	34	a	a	DET
fsr-3462	109	35	question	question	NOUN
fsr-3462	109	36	,	,	PUNCT
fsr-3462	109	37	a	a	DET
fsr-3462	109	38	result	result	NOUN
fsr-3462	109	39	that	that	PRON
fsr-3462	109	40	is	be	AUX
fsr-3462	109	41	strikingly	strikingly	ADV
fsr-3462	109	42	consistent	consistent	ADJ
fsr-3462	109	43	across	across	ADP
fsr-3462	109	44	countries	country	NOUN
fsr-3462	109	45	.	.	PUNCT
fsr-3462	109	46	”	"	PUNCT
fsr-3462	110	1	however	however	ADV
fsr-3462	110	2	,	,	PUNCT
fsr-3462	110	3	so	so	ADV
fsr-3462	110	4	far	far	ADV
fsr-3462	110	5	,	,	PUNCT
fsr-3462	110	6	the	the	DET
fsr-3462	110	7	common	common	ADJ
fsr-3462	110	8	choice	choice	NOUN
fsr-3462	110	9	throughout	throughout	ADP
fsr-3462	110	10	the	the	DET
fsr-3462	110	11	empirical	empirical	ADJ
fsr-3462	110	12	literature	literature	NOUN
fsr-3462	110	13	is	be	AUX
fsr-3462	110	14	to	to	PART
fsr-3462	110	15	include	include	VERB
fsr-3462	110	16	them	they	PRON
fsr-3462	110	17	in	in	ADP
fsr-3462	110	18	the	the	DET
fsr-3462	110	19	same	same	ADJ
fsr-3462	110	20	cluster	cluster	NOUN
fsr-3462	110	21	of	of	ADP
fsr-3462	110	22	wrong	wrong	ADJ
fsr-3462	110	23	answers	answer	NOUN
fsr-3462	110	24	for	for	ADP
fsr-3462	110	25	methodological	methodological	ADJ
fsr-3462	110	26	issues	issue	NOUN
fsr-3462	110	27	.	.	PUNCT
fsr-3462	111	1	exceptions	exception	NOUN
fsr-3462	111	2	to	to	ADP
fsr-3462	111	3	this	this	DET
fsr-3462	111	4	practice	practice	NOUN
fsr-3462	111	5	are	be	AUX
fsr-3462	111	6	two	two	NUM
fsr-3462	111	7	recent	recent	ADJ
fsr-3462	111	8	papers	paper	NOUN
fsr-3462	111	9	by	by	ADP
fsr-3462	111	10	chen	chen	PROPN
fsr-3462	111	11	and	and	CCONJ
fsr-3462	111	12	garand	garand	PROPN
fsr-3462	111	13	(	(	PUNCT
fsr-3462	111	14	2018	2018	NUM
fsr-3462	111	15	)	)	PUNCT
fsr-3462	111	16	and	and	CCONJ
fsr-3462	111	17	kim	kim	PROPN
fsr-3462	111	18	and	and	CCONJ
fsr-3462	111	19	mountain	mountain	NOUN
fsr-3462	111	20	(	(	PUNCT
fsr-3462	111	21	2019	2019	NUM
fsr-3462	111	22	)	)	PUNCT
fsr-3462	111	23	.	.	PUNCT
fsr-3462	112	1	kim	kim	PROPN
fsr-3462	112	2	and	and	CCONJ
fsr-3462	112	3	mountain	mountain	PROPN
fsr-3462	112	4	specifically	specifically	ADV
fsr-3462	112	5	address	address	VERB
fsr-3462	112	6	the	the	DET
fsr-3462	112	7	econometric	econometric	ADJ
fsr-3462	112	8	issue	issue	NOUN
fsr-3462	112	9	of	of	ADP
fsr-3462	112	10	misleading	mislead	VERB
fsr-3462	112	11	results	result	NOUN
fsr-3462	112	12	obtained	obtain	VERB
fsr-3462	112	13	from	from	ADP
fsr-3462	112	14	ignoring	ignore	VERB
fsr-3462	112	15	dnk	dnk	NOUN
fsr-3462	112	16	responses	response	NOUN
fsr-3462	112	17	and	and	CCONJ
fsr-3462	112	18	suggest	suggest	VERB
fsr-3462	112	19	the	the	DET
fsr-3462	112	20	use	use	NOUN
fsr-3462	112	21	of	of	ADP
fsr-3462	112	22	binomial	binomial	ADJ
fsr-3462	112	23	-	-	PUNCT
fsr-3462	112	24	latent	latent	NOUN
fsr-3462	112	25	regression	regression	NOUN
fsr-3462	112	26	models	model	NOUN
fsr-3462	112	27	to	to	PART
fsr-3462	112	28	prevents	prevent	VERB
fsr-3462	112	29	distortions	distortion	NOUN
fsr-3462	112	30	from	from	ADP
fsr-3462	112	31	dk	dk	PROPN
fsr-3462	112	32	/	/	SYM
fsr-3462	112	33	rf	rf	NOUN
fsr-3462	112	34	responses	response	NOUN
fsr-3462	112	35	.	.	PUNCT
fsr-3462	113	1	chen	chen	PROPN
fsr-3462	113	2	and	and	CCONJ
fsr-3462	113	3	garand	garand	PROPN
fsr-3462	113	4	(	(	PUNCT
fsr-3462	113	5	2018	2018	NUM
fsr-3462	113	6	)	)	PUNCT
fsr-3462	113	7	deepen	deepen	VERB
fsr-3462	113	8	the	the	DET
fsr-3462	113	9	well	well	ADV
fsr-3462	113	10	-	-	PUNCT
fsr-3462	113	11	known	know	VERB
fsr-3462	113	12	issue	issue	NOUN
fsr-3462	113	13	of	of	ADP
fsr-3462	113	14	gender	gender	NOUN
fsr-3462	113	15	gap	gap	NOUN
fsr-3462	113	16	in	in	ADP
fsr-3462	113	17	financial	financial	ADJ
fsr-3462	113	18	literacy	literacy	NOUN
fsr-3462	113	19	,	,	PUNCT
fsr-3462	113	20	by	by	ADP
fsr-3462	113	21	giving	give	VERB
fsr-3462	113	22	specific	specific	ADJ
fsr-3462	113	23	attention	attention	NOUN
fsr-3462	113	24	to	to	PART
fsr-3462	113	25	dnk	dnk	VERB
fsr-3462	113	26	answers	answer	NOUN
fsr-3462	113	27	.	.	PUNCT
fsr-3462	114	1	in	in	ADP
fsr-3462	114	2	particular	particular	ADJ
fsr-3462	114	3	,	,	PUNCT
fsr-3462	114	4	after	after	ADP
fsr-3462	114	5	having	having	AUX
fsr-3462	114	6	ascertained	ascertain	VERB
fsr-3462	114	7	that	that	SCONJ
fsr-3462	114	8	women	woman	NOUN
fsr-3462	114	9	may	may	AUX
fsr-3462	114	10	exhibit	exhibit	VERB
fsr-3462	114	11	lower	low	ADJ
fsr-3462	114	12	levels	level	NOUN
fsr-3462	114	13	of	of	ADP
fsr-3462	114	14	financial	financial	ADJ
fsr-3462	114	15	knowledge	knowledge	NOUN
fsr-3462	114	16	because	because	SCONJ
fsr-3462	114	17	they	they	PRON
fsr-3462	114	18	lose	lose	VERB
fsr-3462	114	19	the	the	DET
fsr-3462	114	20	opportunity	opportunity	NOUN
fsr-3462	114	21	to	to	PART
fsr-3462	114	22	hazard	hazard	VERB
fsr-3462	114	23	a	a	DET
fsr-3462	114	24	guess	guess	NOUN
fsr-3462	114	25	and	and	CCONJ
fsr-3462	114	26	arrive	arrive	VERB
fsr-3462	114	27	at	at	ADP
fsr-3462	114	28	a	a	DET
fsr-3462	114	29	correct	correct	ADJ
fsr-3462	114	30	answer	answer	NOUN
fsr-3462	114	31	based	base	VERB
fsr-3462	114	32	either	either	CCONJ
fsr-3462	114	33	on	on	ADP
fsr-3462	114	34	partial	partial	ADJ
fsr-3462	114	35	knowledge	knowledge	NOUN
fsr-3462	114	36	or	or	CCONJ
fsr-3462	114	37	on	on	ADP
fsr-3462	114	38	random	random	ADJ
fsr-3462	114	39	chance	chance	NOUN
fsr-3462	114	40	,	,	PUNCT
fsr-3462	114	41	they	they	PRON
fsr-3462	114	42	consider	consider	VERB
fsr-3462	114	43	the	the	DET
fsr-3462	114	44	possibility	possibility	NOUN
fsr-3462	114	45	that	that	SCONJ
fsr-3462	114	46	there	there	PRON
fsr-3462	114	47	are	be	VERB
fsr-3462	114	48	psychological	psychological	ADJ
fsr-3462	114	49	processes	process	NOUN
fsr-3462	114	50	at	at	ADP
fsr-3462	114	51	work	work	NOUN
fsr-3462	114	52	involving	involve	VERB
fsr-3462	114	53	risk	risk	NOUN
fsr-3462	114	54	acceptance	acceptance	NOUN
fsr-3462	114	55	and	and	CCONJ
fsr-3462	114	56	confidence	confidence	NOUN
fsr-3462	114	57	in	in	ADP
fsr-3462	114	58	financial	financial	ADJ
fsr-3462	114	59	knowledge	knowledge	NOUN
fsr-3462	114	60	that	that	PRON
fsr-3462	114	61	prompt	prompt	VERB
fsr-3462	114	62	women	woman	NOUN
fsr-3462	114	63	to	to	PART
fsr-3462	114	64	give	give	VERB
fsr-3462	114	65	dk	dk	PROPN
fsr-3462	114	66	responses	response	NOUN
fsr-3462	114	67	at	at	ADP
fsr-3462	114	68	a	a	DET
fsr-3462	114	69	rate	rate	NOUN
fsr-3462	114	70	higher	high	ADJ
fsr-3462	114	71	than	than	ADP
fsr-3462	114	72	men	man	NOUN
fsr-3462	114	73	.	.	PUNCT
fsr-3462	115	1	as	as	ADP
fsr-3462	115	2	a	a	DET
fsr-3462	115	3	result	result	NOUN
fsr-3462	115	4	,	,	PUNCT
fsr-3462	115	5	they	they	PRON
fsr-3462	115	6	suggest	suggest	VERB
fsr-3462	115	7	that	that	SCONJ
fsr-3462	115	8	future	future	ADJ
fsr-3462	115	9	research	research	NOUN
fsr-3462	115	10	should	should	AUX
fsr-3462	115	11	consider	consider	VERB
fsr-3462	115	12	the	the	DET
fsr-3462	115	13	relative	relative	ADJ
fsr-3462	115	14	roles	role	NOUN
fsr-3462	115	15	of	of	ADP
fsr-3462	115	16	dk	dk	NOUN
fsr-3462	115	17	and	and	CCONJ
fsr-3462	115	18	incorrect	incorrect	ADJ
fsr-3462	115	19	responses	response	NOUN
fsr-3462	115	20	in	in	ADP
fsr-3462	115	21	measuring	measure	VERB
fsr-3462	115	22	financial	financial	ADJ
fsr-3462	115	23	knowledge	knowledge	NOUN
fsr-3462	115	24	.	.	PUNCT
fsr-3462	116	1	in	in	ADP
fsr-3462	116	2	this	this	DET
fsr-3462	116	3	study	study	NOUN
fsr-3462	116	4	,	,	PUNCT
fsr-3462	116	5	we	we	PRON
fsr-3462	116	6	follow	follow	VERB
fsr-3462	116	7	such	such	DET
fsr-3462	116	8	a	a	DET
fsr-3462	116	9	suggestion	suggestion	NOUN
fsr-3462	116	10	and	and	CCONJ
fsr-3462	116	11	aim	aim	VERB
fsr-3462	116	12	to	to	PART
fsr-3462	116	13	contribute	contribute	VERB
fsr-3462	116	14	to	to	ADP
fsr-3462	116	15	the	the	DET
fsr-3462	116	16	extant	extant	ADJ
fsr-3462	116	17	literature	literature	NOUN
fsr-3462	116	18	by	by	ADP
fsr-3462	116	19	treating	treat	VERB
fsr-3462	116	20	respondents	respondent	NOUN
fsr-3462	116	21	,	,	PUNCT
fsr-3462	116	22	who	who	PRON
fsr-3462	116	23	admit	admit	VERB
fsr-3462	116	24	not	not	PART
fsr-3462	116	25	knowing	know	VERB
fsr-3462	116	26	,	,	PUNCT
fsr-3462	116	27	differently	differently	ADV
fsr-3462	116	28	from	from	ADP
fsr-3462	116	29	those	those	DET
fsr-3462	116	30	respondents	respondent	NOUN
fsr-3462	116	31	who	who	PRON
fsr-3462	116	32	implicitly	implicitly	ADV
fsr-3462	116	33	consider	consider	VERB
fsr-3462	116	34	themselves	themselves	PRON
fsr-3462	116	35	as	as	ADP
fsr-3462	116	36	knowledgeable	knowledgeable	ADJ
fsr-3462	116	37	but	but	CCONJ
fsr-3462	116	38	in	in	ADP
fsr-3462	116	39	fact	fact	NOUN
fsr-3462	116	40	possess	possess	VERB
fsr-3462	116	41	a	a	DET
fsr-3462	116	42	“	"	PUNCT
fsr-3462	116	43	wrong	wrong	ADJ
fsr-3462	116	44	”	"	PUNCT
fsr-3462	116	45	knowledge	knowledge	NOUN
fsr-3462	116	46	.	.	PUNCT
fsr-3462	117	1	as	as	ADP
fsr-3462	117	2	a	a	DET
fsr-3462	117	3	matter	matter	NOUN
fsr-3462	117	4	of	of	ADP
fsr-3462	117	5	fact	fact	NOUN
fsr-3462	117	6	,	,	PUNCT
fsr-3462	117	7	when	when	SCONJ
fsr-3462	117	8	self	self	NOUN
fsr-3462	117	9	-	-	PUNCT
fsr-3462	117	10	assessed	assess	VERB
fsr-3462	117	11	questionnaires	questionnaire	NOUN
fsr-3462	117	12	are	be	AUX
fsr-3462	117	13	included	include	VERB
fsr-3462	117	14	in	in	ADP
fsr-3462	117	15	multiple	multiple	ADJ
fsr-3462	117	16	choice	choice	NOUN
fsr-3462	117	17	questionnaire	questionnaire	NOUN
fsr-3462	117	18	(	(	PUNCT
fsr-3462	117	19	testing	test	VERB
fsr-3462	117	20	objective	objective	ADJ
fsr-3462	117	21	knowledge	knowledge	NOUN
fsr-3462	117	22	)	)	PUNCT
fsr-3462	117	23	,	,	PUNCT
fsr-3462	117	24	the	the	DET
fsr-3462	117	25	evidence	evidence	NOUN
fsr-3462	117	26	indicates	indicate	VERB
fsr-3462	117	27	that	that	SCONJ
fsr-3462	117	28	most	most	ADJ
fsr-3462	117	29	people	people	NOUN
fsr-3462	117	30	are	be	AUX
fsr-3462	117	31	unaware	unaware	ADJ
fsr-3462	117	32	of	of	ADP
fsr-3462	117	33	their	their	PRON
fsr-3462	117	34	own	own	ADJ
fsr-3462	117	35	shortcomings	shortcoming	NOUN
fsr-3462	117	36	,	,	PUNCT
fsr-3462	117	37	as	as	SCONJ
fsr-3462	117	38	there	there	PRON
fsr-3462	117	39	is	be	VERB
fsr-3462	117	40	often	often	ADV
fsr-3462	117	41	a	a	DET
fsr-3462	117	42	substantial	substantial	ADJ
fsr-3462	117	43	mismatch	mismatch	NOUN
fsr-3462	117	44	between	between	ADP
fsr-3462	117	45	people	people	NOUN
fsr-3462	117	46	’s	’s	PART
fsr-3462	117	47	selfassessed	selfassessed	ADJ
fsr-3462	117	48	knowledge	knowledge	NOUN
fsr-3462	117	49	versus	versus	ADP
fsr-3462	117	50	their	their	PRON
fsr-3462	117	51	actual	actual	ADJ
fsr-3462	117	52	knowledge	knowledge	NOUN
fsr-3462	117	53	(	(	PUNCT
fsr-3462	117	54	lusardi	lusardi	PROPN
fsr-3462	117	55	&	&	CCONJ
fsr-3462	117	56	mitchell	mitchell	PROPN
fsr-3462	117	57	,	,	PUNCT
fsr-3462	117	58	2014	2014	NUM
fsr-3462	117	59	)	)	PUNCT
fsr-3462	117	60	.	.	PUNCT
fsr-3462	118	1	this	this	DET
fsr-3462	118	2	incorrect	incorrect	ADJ
fsr-3462	118	3	assessment	assessment	NOUN
fsr-3462	118	4	is	be	AUX
fsr-3462	118	5	also	also	ADV
fsr-3462	118	6	directly	directly	ADV
fsr-3462	118	7	related	relate	VERB
fsr-3462	118	8	to	to	ADP
fsr-3462	118	9	the	the	DET
fsr-3462	118	10	research	research	NOUN
fsr-3462	118	11	on	on	ADP
fsr-3462	118	12	behavior	behavior	NOUN
fsr-3462	118	13	as	as	SCONJ
fsr-3462	118	14	presented	present	VERB
fsr-3462	118	15	by	by	ADP
fsr-3462	118	16	thaler	thaler	NOUN
fsr-3462	118	17	and	and	CCONJ
fsr-3462	118	18	shefrin	shefrin	NOUN
fsr-3462	118	19	(	(	PUNCT
fsr-3462	118	20	1981	1981	NUM
fsr-3462	118	21	)	)	PUNCT
fsr-3462	118	22	.	.	PUNCT
fsr-3462	119	1	in	in	ADP
fsr-3462	119	2	particular	particular	ADJ
fsr-3462	119	3	,	,	PUNCT
fsr-3462	119	4	we	we	PRON
fsr-3462	119	5	take	take	VERB
fsr-3462	119	6	particular	particular	ADJ
fsr-3462	119	7	interest	interest	NOUN
fsr-3462	119	8	in	in	ADP
fsr-3462	119	9	separately	separately	ADV
fsr-3462	119	10	scoring	score	VERB
fsr-3462	119	11	“	"	PUNCT
fsr-3462	119	12	correct	correct	ADJ
fsr-3462	119	13	,	,	PUNCT
fsr-3462	119	14	”	"	PUNCT
fsr-3462	119	15	“	"	PUNCT
fsr-3462	119	16	incorrect	incorrect	ADJ
fsr-3462	119	17	,	,	PUNCT
fsr-3462	119	18	”	"	PUNCT
fsr-3462	119	19	and	and	CCONJ
fsr-3462	119	20	“	"	PUNCT
fsr-3462	119	21	do	do	AUX
fsr-3462	119	22	not	not	PART
fsr-3462	119	23	know	know	VERB
fsr-3462	119	24	”	"	PUNCT
fsr-3462	119	25	answers	answer	NOUN
fsr-3462	119	26	and	and	CCONJ
fsr-3462	119	27	conjecture	conjecture	VERB
fsr-3462	119	28	that	that	SCONJ
fsr-3462	119	29	admitting	admit	VERB
fsr-3462	119	30	of	of	ADP
fsr-3462	119	31	not	not	PART
fsr-3462	119	32	possessing	possess	VERB
fsr-3462	119	33	a	a	DET
fsr-3462	119	34	proper	proper	ADJ
fsr-3462	119	35	financial	financial	ADJ
fsr-3462	119	36	knowledge	knowledge	NOUN
fsr-3462	119	37	may	may	AUX
fsr-3462	119	38	lead	lead	VERB
fsr-3462	119	39	to	to	ADP
fsr-3462	119	40	more	more	ADV
fsr-3462	119	41	conservative	conservative	ADJ
fsr-3462	119	42	financial	financial	ADJ
fsr-3462	119	43	decisions	decision	NOUN
fsr-3462	119	44	,	,	PUNCT
fsr-3462	119	45	that	that	PRON
fsr-3462	119	46	could	could	AUX
fsr-3462	119	47	prevent	prevent	VERB
fsr-3462	119	48	taking	take	VERB
fsr-3462	119	49	too	too	ADV
fsr-3462	119	50	much	much	ADJ
fsr-3462	119	51	financial	financial	ADJ
fsr-3462	119	52	risk	risk	NOUN
fsr-3462	119	53	.	.	PUNCT
fsr-3462	120	1	in	in	ADP
fsr-3462	120	2	addition	addition	NOUN
fsr-3462	120	3	,	,	PUNCT
fsr-3462	120	4	we	we	PRON
fsr-3462	120	5	approximate	approximate	VERB
fsr-3462	120	6	the	the	DET
fsr-3462	120	7	measures	measure	NOUN
fsr-3462	120	8	for	for	ADP
fsr-3462	120	9	present	present	ADJ
fsr-3462	120	10	bias	bias	NOUN
fsr-3462	120	11	and	and	CCONJ
fsr-3462	120	12	mental	mental	ADJ
fsr-3462	120	13	accounting	accounting	NOUN
fsr-3462	120	14	biases	bias	NOUN
fsr-3462	120	15	as	as	SCONJ
fsr-3462	120	16	noted	note	VERB
fsr-3462	120	17	next	next	ADV
fsr-3462	120	18	.	.	PUNCT
fsr-3462	121	1	we	we	PRON
fsr-3462	121	2	also	also	ADV
fsr-3462	121	3	take	take	VERB
fsr-3462	121	4	a	a	DET
fsr-3462	121	5	cue	cue	NOUN
fsr-3462	121	6	from	from	ADP
fsr-3462	121	7	a	a	DET
fsr-3462	121	8	growing	grow	VERB
fsr-3462	121	9	body	body	NOUN
fsr-3462	121	10	of	of	ADP
fsr-3462	121	11	literature	literature	NOUN
fsr-3462	121	12	acknowledging	acknowledge	VERB
fsr-3462	121	13	that	that	SCONJ
fsr-3462	121	14	the	the	DET
fsr-3462	121	15	drivers	driver	NOUN
fsr-3462	121	16	of	of	ADP
fsr-3462	121	17	financial	financial	ADJ
fsr-3462	121	18	choices	choice	NOUN
fsr-3462	121	19	are	be	AUX
fsr-3462	121	20	not	not	PART
fsr-3462	121	21	constraint	constraint	NOUN
fsr-3462	121	22	just	just	ADV
fsr-3462	121	23	by	by	ADP
fsr-3462	121	24	knowledge	knowledge	NOUN
fsr-3462	121	25	and	and	CCONJ
fsr-3462	121	26	the	the	DET
fsr-3462	121	27	acquisition	acquisition	NOUN
fsr-3462	121	28	of	of	ADP
fsr-3462	121	29	basic	basic	ADJ
fsr-3462	121	30	information	information	NOUN
fsr-3462	121	31	.	.	PUNCT
fsr-3462	122	1	in	in	ADP
fsr-3462	122	2	this	this	DET
fsr-3462	122	3	new	new	ADJ
fsr-3462	122	4	stream	stream	NOUN
fsr-3462	122	5	of	of	ADP
fsr-3462	122	6	research	research	NOUN
fsr-3462	122	7	cognitive	cognitive	ADJ
fsr-3462	122	8	biases	bias	NOUN
fsr-3462	122	9	,	,	PUNCT
fsr-3462	122	10	individual	individual	ADJ
fsr-3462	122	11	psychological	psychological	ADJ
fsr-3462	122	12	traits	trait	NOUN
fsr-3462	122	13	and	and	CCONJ
fsr-3462	122	14	aptitudes	aptitude	NOUN
fsr-3462	122	15	,	,	PUNCT
fsr-3462	122	16	motivations	motivation	NOUN
fsr-3462	122	17	,	,	PUNCT
fsr-3462	122	18	and	and	CCONJ
fsr-3462	122	19	timing	timing	NOUN
fsr-3462	122	20	of	of	ADP
fsr-3462	122	21	the	the	DET
fsr-3462	122	22	choice	choice	NOUN
fsr-3462	122	23	to	to	PART
fsr-3462	122	24	be	be	AUX
fsr-3462	122	25	undertaken	undertake	VERB
fsr-3462	122	26	are	be	AUX
fsr-3462	122	27	all	all	PRON
fsr-3462	122	28	examples	example	NOUN
fsr-3462	122	29	of	of	ADP
fsr-3462	122	30	the	the	DET
fsr-3462	122	31	behavioral	behavioral	ADJ
fsr-3462	122	32	and	and	CCONJ
fsr-3462	122	33	psychological	psychological	ADJ
fsr-3462	122	34	constraints	constraint	NOUN
fsr-3462	122	35	that	that	PRON
fsr-3462	122	36	interact	interact	VERB
fsr-3462	122	37	with	with	ADP
fsr-3462	122	38	economic	economic	ADJ
fsr-3462	122	39	decisions	decision	NOUN
fsr-3462	122	40	in	in	ADP
fsr-3462	122	41	general	general	ADJ
fsr-3462	122	42	and	and	CCONJ
fsr-3462	122	43	financial	financial	ADJ
fsr-3462	122	44	choices	choice	NOUN
fsr-3462	122	45	in	in	ADP
fsr-3462	122	46	particular	particular	ADJ
fsr-3462	122	47	.	.	PUNCT
fsr-3462	123	1	one	one	NUM
fsr-3462	123	2	specific	specific	ADJ
fsr-3462	123	3	cognitive	cognitive	ADJ
fsr-3462	123	4	bias	bias	NOUN
fsr-3462	123	5	that	that	PRON
fsr-3462	123	6	has	have	AUX
fsr-3462	123	7	attracted	attract	VERB
fsr-3462	123	8	much	much	ADJ
fsr-3462	123	9	attention	attention	NOUN
fsr-3462	123	10	in	in	ADP
fsr-3462	123	11	empirical	empirical	ADJ
fsr-3462	123	12	studies	study	NOUN
fsr-3462	123	13	connecting	connect	VERB
fsr-3462	123	14	financial	financial	ADJ
fsr-3462	123	15	decisions	decision	NOUN
fsr-3462	123	16	,	,	PUNCT
fsr-3462	123	17	behavioral	behavioral	ADJ
fsr-3462	123	18	biases	bias	NOUN
fsr-3462	123	19	,	,	PUNCT
fsr-3462	123	20	and	and	CCONJ
fsr-3462	123	21	financial	financial	ADJ
fsr-3462	123	22	knowledge	knowledge	NOUN
fsr-3462	123	23	is	be	AUX
fsr-3462	123	24	overconfidence	overconfidence	NOUN
fsr-3462	123	25	on	on	ADP
fsr-3462	123	26	one	one	NUM
fsr-3462	123	27	’s	’s	PART
fsr-3462	123	28	actual	actual	ADJ
fsr-3462	123	29	ability	ability	NOUN
fsr-3462	123	30	,	,	PUNCT
fsr-3462	123	31	performance	performance	NOUN
fsr-3462	123	32	,	,	PUNCT
fsr-3462	123	33	level	level	NOUN
fsr-3462	123	34	of	of	ADP
fsr-3462	123	35	control	control	NOUN
fsr-3462	123	36	,	,	PUNCT
fsr-3462	123	37	or	or	CCONJ
fsr-3462	123	38	chance	chance	NOUN
fsr-3462	123	39	of	of	ADP
fsr-3462	123	40	success	success	NOUN
fsr-3462	123	41	(	(	PUNCT
fsr-3462	123	42	moore	moore	PROPN
fsr-3462	123	43	&	&	CCONJ
fsr-3462	123	44	healy	healy	PROPN
fsr-3462	123	45	,	,	PUNCT
fsr-3462	123	46	2008	2008	NUM
fsr-3462	123	47	)	)	PUNCT
fsr-3462	123	48	.	.	PUNCT
fsr-3462	124	1	financial	financial	ADJ
fsr-3462	124	2	confidence	confidence	NOUN
fsr-3462	124	3	,	,	PUNCT
fsr-3462	124	4	in	in	ADP
fsr-3462	124	5	particular	particular	ADJ
fsr-3462	124	6	,	,	PUNCT
fsr-3462	124	7	reflects	reflect	VERB
fsr-3462	124	8	a	a	DET
fsr-3462	124	9	self	self	NOUN
fsr-3462	124	10	-	-	PUNCT
fsr-3462	124	11	assessed	assess	VERB
fsr-3462	124	12	level	level	NOUN
fsr-3462	124	13	of	of	ADP
fsr-3462	124	14	financial	financial	ADJ
fsr-3462	124	15	knowledge	knowledge	NOUN
fsr-3462	124	16	,	,	PUNCT
fsr-3462	124	17	which	which	PRON
fsr-3462	124	18	may	may	AUX
fsr-3462	124	19	or	or	CCONJ
fsr-3462	124	20	may	may	AUX
fsr-3462	124	21	not	not	PART
fsr-3462	124	22	coincide	coincide	VERB
fsr-3462	124	23	with	with	ADP
fsr-3462	124	24	measured	measure	VERB
fsr-3462	124	25	financial	financial	ADJ
fsr-3462	124	26	g.	g.	PROPN
fsr-3462	124	27	barboza	barboza	PROPN
fsr-3462	124	28	et	et	PROPN
fsr-3462	124	29	al	al	PROPN
fsr-3462	124	30	.	.	PUNCT
fsr-3462	124	31	/	/	SYM
fsr-3462	124	32	financial	financial	ADJ
fsr-3462	124	33	services	service	NOUN
fsr-3462	124	34	review	review	VERB
fsr-3462	124	35	29	29	NUM
fsr-3462	124	36	(	(	PUNCT
fsr-3462	124	37	2021	2021	NUM
fsr-3462	124	38	)	)	PUNCT
fsr-3462	124	39	247–276	247–276	NUM
fsr-3462	124	40	253	253	NUM
fsr-3462	124	41	knowledge	knowledge	NOUN
fsr-3462	124	42	.	.	PUNCT
fsr-3462	125	1	financial	financial	ADJ
fsr-3462	125	2	literacy	literacy	NOUN
fsr-3462	125	3	overconfidence	overconfidence	NOUN
fsr-3462	125	4	has	have	AUX
fsr-3462	125	5	been	be	AUX
fsr-3462	125	6	linked	link	VERB
fsr-3462	125	7	to	to	ADP
fsr-3462	125	8	various	various	ADJ
fsr-3462	125	9	risky	risky	ADJ
fsr-3462	125	10	behaviors	behavior	NOUN
fsr-3462	125	11	such	such	ADJ
fsr-3462	125	12	as	as	ADP
fsr-3462	125	13	higher	high	ADJ
fsr-3462	125	14	stock	stock	NOUN
fsr-3462	125	15	market	market	NOUN
fsr-3462	125	16	participation	participation	NOUN
fsr-3462	125	17	(	(	PUNCT
fsr-3462	125	18	xia	xia	PROPN
fsr-3462	125	19	et	et	PROPN
fsr-3462	125	20	al	al	PROPN
fsr-3462	125	21	.	.	PROPN
fsr-3462	125	22	,	,	PUNCT
fsr-3462	125	23	2014	2014	NUM
fsr-3462	125	24	)	)	PUNCT
fsr-3462	125	25	,	,	PUNCT
fsr-3462	125	26	less	less	ADJ
fsr-3462	125	27	use	use	NOUN
fsr-3462	125	28	of	of	ADP
fsr-3462	125	29	financial	financial	ADJ
fsr-3462	125	30	advice	advice	NOUN
fsr-3462	125	31	(	(	PUNCT
fsr-3462	125	32	kramer	kramer	PROPN
fsr-3462	125	33	,	,	PUNCT
fsr-3462	125	34	2016	2016	NUM
fsr-3462	125	35	;	;	PUNCT
fsr-3462	125	36	porto	porto	PROPN
fsr-3462	125	37	&	&	CCONJ
fsr-3462	125	38	xiao	xiao	PROPN
fsr-3462	125	39	,	,	PUNCT
fsr-3462	125	40	2016	2016	NUM
fsr-3462	125	41	)	)	PUNCT
fsr-3462	125	42	and	and	CCONJ
fsr-3462	125	43	a	a	DET
fsr-3462	125	44	preference	preference	NOUN
fsr-3462	125	45	for	for	ADP
fsr-3462	125	46	direct	direct	ADJ
fsr-3462	125	47	stock	stock	NOUN
fsr-3462	125	48	investment	investment	NOUN
fsr-3462	125	49	rather	rather	ADV
fsr-3462	125	50	than	than	ADP
fsr-3462	125	51	in	in	ADP
fsr-3462	125	52	less	less	ADV
fsr-3462	125	53	risky	risky	ADJ
fsr-3462	125	54	/	/	SYM
fsr-3462	125	55	more	more	ADV
fsr-3462	125	56	diversified	diversified	ADJ
fsr-3462	125	57	mutual	mutual	ADJ
fsr-3462	125	58	funds	fund	NOUN
fsr-3462	125	59	(	(	PUNCT
fsr-3462	125	60	chu	chu	PROPN
fsr-3462	125	61	et	et	NOUN
fsr-3462	125	62	al	al	PROPN
fsr-3462	125	63	.	.	PROPN
fsr-3462	125	64	,	,	PUNCT
fsr-3462	125	65	2017	2017	NUM
fsr-3462	125	66	)	)	PUNCT
fsr-3462	125	67	or	or	CCONJ
fsr-3462	125	68	greater	great	ADJ
fsr-3462	125	69	likelihood	likelihood	NOUN
fsr-3462	125	70	of	of	ADP
fsr-3462	125	71	engaging	engage	VERB
fsr-3462	125	72	in	in	ADP
fsr-3462	125	73	risky	risky	ADJ
fsr-3462	125	74	(	(	PUNCT
fsr-3462	125	75	costly	costly	ADJ
fsr-3462	125	76	)	)	PUNCT
fsr-3462	125	77	financial	financial	ADJ
fsr-3462	125	78	behaviors	behavior	NOUN
fsr-3462	125	79	,	,	PUNCT
fsr-3462	125	80	such	such	ADJ
fsr-3462	125	81	as	as	ADP
fsr-3462	125	82	taking	take	VERB
fsr-3462	125	83	out	out	ADP
fsr-3462	125	84	a	a	DET
fsr-3462	125	85	title	title	NOUN
fsr-3462	125	86	-	-	PUNCT
fsr-3462	125	87	loan	loan	NOUN
fsr-3462	125	88	,	,	PUNCT
fsr-3462	125	89	or	or	CCONJ
fsr-3462	125	90	a	a	DET
fsr-3462	125	91	short	short	ADJ
fsr-3462	125	92	-	-	PUNCT
fsr-3462	125	93	term	term	NOUN
fsr-3462	125	94	payday	payday	NOUN
fsr-3462	125	95	loan	loan	NOUN
fsr-3462	125	96	(	(	PUNCT
fsr-3462	125	97	tokar	tokar	NOUN
fsr-3462	125	98	asaad	asaad	NOUN
fsr-3462	125	99	,	,	PUNCT
fsr-3462	125	100	2015	2015	NUM
fsr-3462	125	101	)	)	PUNCT
fsr-3462	125	102	.	.	PUNCT
fsr-3462	126	1	from	from	ADP
fsr-3462	126	2	this	this	DET
fsr-3462	126	3	perspective	perspective	NOUN
fsr-3462	126	4	,	,	PUNCT
fsr-3462	126	5	we	we	PRON
fsr-3462	126	6	take	take	VERB
fsr-3462	126	7	particular	particular	ADJ
fsr-3462	126	8	interest	interest	NOUN
fsr-3462	126	9	in	in	ADP
fsr-3462	126	10	the	the	DET
fsr-3462	126	11	literature	literature	NOUN
fsr-3462	126	12	on	on	ADP
fsr-3462	126	13	behavioral	behavioral	ADJ
fsr-3462	126	14	economics	economic	NOUN
fsr-3462	126	15	which	which	PRON
fsr-3462	126	16	assumes	assume	VERB
fsr-3462	126	17	,	,	PUNCT
fsr-3462	126	18	and	and	CCONJ
fsr-3462	126	19	dictates	dictate	VERB
fsr-3462	126	20	consequently	consequently	ADV
fsr-3462	126	21	,	,	PUNCT
fsr-3462	126	22	that	that	SCONJ
fsr-3462	126	23	individuals	individual	NOUN
fsr-3462	126	24	may	may	AUX
fsr-3462	126	25	acquire	acquire	VERB
fsr-3462	126	26	debt	debt	NOUN
fsr-3462	126	27	,	,	PUNCT
fsr-3462	126	28	adjust	adjust	VERB
fsr-3462	126	29	repayment	repayment	NOUN
fsr-3462	126	30	capabilities	capability	NOUN
fsr-3462	126	31	,	,	PUNCT
fsr-3462	126	32	and	and	CCONJ
fsr-3462	126	33	adhere	adhere	VERB
fsr-3462	126	34	to	to	ADP
fsr-3462	126	35	differentiated	differentiated	ADJ
fsr-3462	126	36	patterns	pattern	NOUN
fsr-3462	126	37	of	of	ADP
fsr-3462	126	38	repayment	repayment	NOUN
fsr-3462	126	39	away	away	ADV
fsr-3462	126	40	from	from	ADP
fsr-3462	126	41	the	the	DET
fsr-3462	126	42	neoclassical	neoclassical	ADJ
fsr-3462	126	43	rational	rational	ADJ
fsr-3462	126	44	expectations	expectation	NOUN
fsr-3462	126	45	teaching	teaching	NOUN
fsr-3462	126	46	.	.	PUNCT
fsr-3462	127	1	the	the	DET
fsr-3462	127	2	general	general	ADJ
fsr-3462	127	3	consensus	consensus	NOUN
fsr-3462	127	4	is	be	AUX
fsr-3462	127	5	that	that	SCONJ
fsr-3462	127	6	rationally	rationally	ADV
fsr-3462	127	7	behaving	behave	VERB
fsr-3462	127	8	individuals	individual	NOUN
fsr-3462	127	9	have	have	VERB
fsr-3462	127	10	perfect	perfect	ADJ
fsr-3462	127	11	foresight	foresight	NOUN
fsr-3462	127	12	,	,	PUNCT
fsr-3462	127	13	are	be	AUX
fsr-3462	127	14	rational	rational	ADJ
fsr-3462	127	15	and	and	CCONJ
fsr-3462	127	16	apply	apply	VERB
fsr-3462	127	17	consistent	consistent	ADJ
fsr-3462	127	18	discounting	discount	VERB
fsr-3462	127	19	rules	rule	NOUN
fsr-3462	127	20	on	on	ADP
fsr-3462	127	21	consumption	consumption	NOUN
fsr-3462	127	22	.	.	PUNCT
fsr-3462	128	1	on	on	ADP
fsr-3462	128	2	the	the	DET
fsr-3462	128	3	other	other	ADJ
fsr-3462	128	4	hand	hand	NOUN
fsr-3462	128	5	,	,	PUNCT
fsr-3462	128	6	the	the	DET
fsr-3462	128	7	literature	literature	NOUN
fsr-3462	128	8	on	on	ADP
fsr-3462	128	9	behavioral	behavioral	ADJ
fsr-3462	128	10	biases	bias	NOUN
fsr-3462	128	11	proposes	propose	VERB
fsr-3462	128	12	the	the	DET
fsr-3462	128	13	existence	existence	NOUN
fsr-3462	128	14	of	of	ADP
fsr-3462	128	15	several	several	ADJ
fsr-3462	128	16	factors	factor	NOUN
fsr-3462	128	17	governing	govern	VERB
fsr-3462	128	18	individuals	individual	NOUN
fsr-3462	128	19	’	'	PUNCT
fsr-3462	128	20	behavior	behavior	NOUN
fsr-3462	128	21	.	.	PUNCT
fsr-3462	129	1	particularly	particularly	ADV
fsr-3462	129	2	,	,	PUNCT
fsr-3462	129	3	issues	issue	NOUN
fsr-3462	129	4	relating	relate	VERB
fsr-3462	129	5	to	to	ADP
fsr-3462	129	6	hyperbolic	hyperbolic	ADJ
fsr-3462	129	7	discount	discount	NOUN
fsr-3462	129	8	functions	function	NOUN
fsr-3462	129	9	in	in	ADP
fsr-3462	129	10	consumption	consumption	NOUN
fsr-3462	129	11	–	–	PUNCT
fsr-3462	129	12	present	present	ADJ
fsr-3462	129	13	bias	bias	NOUN
fsr-3462	129	14	–	–	PUNCT
fsr-3462	129	15	,	,	PUNCT
fsr-3462	129	16	naı̈ve	naı̈ve	PROPN
fsr-3462	129	17	behavior	behavior	NOUN
fsr-3462	129	18	,	,	PUNCT
fsr-3462	129	19	lack	lack	NOUN
fsr-3462	129	20	of	of	ADP
fsr-3462	129	21	self	self	NOUN
fsr-3462	129	22	-	-	PUNCT
fsr-3462	129	23	control	control	NOUN
fsr-3462	129	24	and	and	CCONJ
fsr-3462	129	25	impatience	impatience	NOUN
fsr-3462	129	26	(	(	PUNCT
fsr-3462	129	27	akerlof	akerlof	NOUN
fsr-3462	129	28	,	,	PUNCT
fsr-3462	129	29	1991	1991	NUM
fsr-3462	129	30	;	;	PUNCT
fsr-3462	129	31	kuchler	kuchler	NOUN
fsr-3462	129	32	2013	2013	NUM
fsr-3462	129	33	;	;	PUNCT
fsr-3462	129	34	laibson	laibson	PROPN
fsr-3462	129	35	,	,	PUNCT
fsr-3462	129	36	1997	1997	NUM
fsr-3462	129	37	;	;	PUNCT
fsr-3462	129	38	o’donoghue	o’donoghue	PROPN
fsr-3462	129	39	&	&	CCONJ
fsr-3462	129	40	rabin	rabin	PROPN
fsr-3462	129	41	,	,	PUNCT
fsr-3462	129	42	1999	1999	NUM
fsr-3462	129	43	;	;	PUNCT
fsr-3462	129	44	thaler	thaler	PROPN
fsr-3462	129	45	&	&	CCONJ
fsr-3462	129	46	shefrin	shefrin	NOUN
fsr-3462	129	47	1981	1981	NUM
fsr-3462	129	48	;	;	PUNCT
fsr-3462	129	49	thaler	thaler	PROPN
fsr-3462	129	50	2018	2018	NUM
fsr-3462	129	51	,	,	PUNCT
fsr-3462	129	52	among	among	ADP
fsr-3462	129	53	others	other	NOUN
fsr-3462	129	54	)	)	PUNCT
fsr-3462	129	55	may	may	AUX
fsr-3462	129	56	lead	lead	VERB
fsr-3462	129	57	to	to	ADP
fsr-3462	129	58	patterns	pattern	NOUN
fsr-3462	129	59	of	of	ADP
fsr-3462	129	60	consumption	consumption	NOUN
fsr-3462	129	61	,	,	PUNCT
fsr-3462	129	62	which	which	PRON
fsr-3462	129	63	fueled	fuel	VERB
fsr-3462	129	64	by	by	ADP
fsr-3462	129	65	easy	easy	ADJ
fsr-3462	129	66	access	access	NOUN
fsr-3462	129	67	to	to	ADP
fsr-3462	129	68	credit	credit	NOUN
fsr-3462	129	69	cards	card	NOUN
fsr-3462	129	70	may	may	AUX
fsr-3462	129	71	result	result	VERB
fsr-3462	129	72	into	into	ADP
fsr-3462	129	73	too	too	ADV
fsr-3462	129	74	much	much	ADJ
fsr-3462	129	75	debt	debt	NOUN
fsr-3462	129	76	accumulation	accumulation	NOUN
fsr-3462	129	77	and	and	CCONJ
fsr-3462	129	78	patterns	pattern	NOUN
fsr-3462	129	79	of	of	ADP
fsr-3462	129	80	procrastination	procrastination	NOUN
fsr-3462	129	81	on	on	ADP
fsr-3462	129	82	repayment	repayment	NOUN
fsr-3462	129	83	(	(	PUNCT
fsr-3462	129	84	barboza	barboza	NOUN
fsr-3462	129	85	,	,	PUNCT
fsr-3462	129	86	2018	2018	NUM
fsr-3462	129	87	)	)	PUNCT
fsr-3462	129	88	.	.	PUNCT
fsr-3462	130	1	although	although	SCONJ
fsr-3462	130	2	aware	aware	ADJ
fsr-3462	130	3	that	that	SCONJ
fsr-3462	130	4	the	the	DET
fsr-3462	130	5	psychological	psychological	ADJ
fsr-3462	130	6	literature	literature	NOUN
fsr-3462	130	7	on	on	ADP
fsr-3462	130	8	personality	personality	NOUN
fsr-3462	130	9	traits	trait	NOUN
fsr-3462	130	10	is	be	AUX
fsr-3462	130	11	not	not	PART
fsr-3462	130	12	confined	confine	VERB
fsr-3462	130	13	to	to	ADP
fsr-3462	130	14	and	and	CCONJ
fsr-3462	130	15	is	be	AUX
fsr-3462	130	16	richer	rich	ADJ
fsr-3462	130	17	than	than	ADP
fsr-3462	130	18	that	that	PRON
fsr-3462	130	19	just	just	ADV
fsr-3462	130	20	mentioned	mention	VERB
fsr-3462	130	21	on	on	ADP
fsr-3462	130	22	behavioral	behavioral	ADJ
fsr-3462	130	23	biases	bias	NOUN
fsr-3462	130	24	,	,	PUNCT
fsr-3462	130	25	in	in	ADP
fsr-3462	130	26	this	this	DET
fsr-3462	130	27	study	study	NOUN
fsr-3462	130	28	we	we	PRON
fsr-3462	130	29	are	be	AUX
fsr-3462	130	30	interested	interested	ADJ
fsr-3462	130	31	in	in	ADP
fsr-3462	130	32	highlighting	highlight	VERB
fsr-3462	130	33	and	and	CCONJ
fsr-3462	130	34	measuring	measure	VERB
fsr-3462	130	35	those	those	DET
fsr-3462	130	36	individual	individual	ADJ
fsr-3462	130	37	features	feature	NOUN
fsr-3462	130	38	that	that	PRON
fsr-3462	130	39	characterize	characterize	VERB
fsr-3462	130	40	one	one	NUM
fsr-3462	130	41	’s	’s	PART
fsr-3462	130	42	pattern	pattern	NOUN
fsr-3462	130	43	of	of	ADP
fsr-3462	130	44	consumption	consumption	NOUN
fsr-3462	130	45	and	and	CCONJ
fsr-3462	130	46	savings	saving	NOUN
fsr-3462	130	47	and	and	CCONJ
fsr-3462	130	48	manifest	manif	ADJ
fsr-3462	130	49	:	:	PUNCT
fsr-3462	130	50	(	(	PUNCT
fsr-3462	130	51	1	1	X
fsr-3462	130	52	)	)	PUNCT
fsr-3462	130	53	in	in	ADP
fsr-3462	130	54	a	a	DET
fsr-3462	130	55	tendency	tendency	NOUN
fsr-3462	130	56	to	to	PART
fsr-3462	130	57	overvalue	overvalue	VERB
fsr-3462	130	58	immediate	immediate	ADJ
fsr-3462	130	59	rewards	reward	NOUN
fsr-3462	130	60	(	(	PUNCT
fsr-3462	130	61	i	i	PRON
fsr-3462	130	62	buy	buy	VERB
fsr-3462	130	63	what	what	PRON
fsr-3462	130	64	i	i	PRON
fsr-3462	130	65	like	like	VERB
fsr-3462	130	66	now	now	ADV
fsr-3462	130	67	,	,	PUNCT
fsr-3462	130	68	disregarding	disregard	VERB
fsr-3462	130	69	the	the	DET
fsr-3462	130	70	issue	issue	NOUN
fsr-3462	130	71	of	of	ADP
fsr-3462	130	72	affordability	affordability	NOUN
fsr-3462	130	73	of	of	ADP
fsr-3462	130	74	the	the	DET
fsr-3462	130	75	purchase	purchase	NOUN
fsr-3462	130	76	)	)	PUNCT
fsr-3462	130	77	,	,	PUNCT
fsr-3462	130	78	while	while	SCONJ
fsr-3462	130	79	putting	put	VERB
fsr-3462	130	80	less	less	ADV
fsr-3462	130	81	worth	worth	ADJ
fsr-3462	130	82	in	in	ADP
fsr-3462	130	83	long	long	ADJ
fsr-3462	130	84	-	-	PUNCT
fsr-3462	130	85	term	term	NOUN
fsr-3462	130	86	consequences	consequence	NOUN
fsr-3462	130	87	(	(	PUNCT
fsr-3462	130	88	i	i	PRON
fsr-3462	130	89	will	will	AUX
fsr-3462	130	90	think	think	VERB
fsr-3462	130	91	tomorrow	tomorrow	NOUN
fsr-3462	130	92	how	how	SCONJ
fsr-3462	130	93	to	to	PART
fsr-3462	130	94	find	find	VERB
fsr-3462	130	95	the	the	DET
fsr-3462	130	96	money	money	NOUN
fsr-3462	130	97	to	to	PART
fsr-3462	130	98	afford	afford	VERB
fsr-3462	130	99	the	the	DET
fsr-3462	130	100	purchase	purchase	NOUN
fsr-3462	130	101	)	)	PUNCT
fsr-3462	130	102	;	;	PUNCT
fsr-3462	130	103	(	(	PUNCT
fsr-3462	130	104	2	2	X
fsr-3462	130	105	)	)	PUNCT
fsr-3462	130	106	in	in	ADP
fsr-3462	130	107	a	a	DET
fsr-3462	130	108	process	process	NOUN
fsr-3462	130	109	,	,	PUNCT
fsr-3462	130	110	known	know	VERB
fsr-3462	130	111	as	as	ADP
fsr-3462	130	112	mental	mental	ADJ
fsr-3462	130	113	accounting	accounting	NOUN
fsr-3462	130	114	,	,	PUNCT
fsr-3462	130	115	whereby	whereby	SCONJ
fsr-3462	130	116	individual	individual	ADJ
fsr-3462	130	117	expenses	expense	NOUN
fsr-3462	130	118	will	will	AUX
fsr-3462	130	119	not	not	PART
fsr-3462	130	120	be	be	AUX
fsr-3462	130	121	considered	consider	VERB
fsr-3462	130	122	in	in	ADP
fsr-3462	130	123	conjunction	conjunction	NOUN
fsr-3462	130	124	with	with	ADP
fsr-3462	130	125	the	the	DET
fsr-3462	130	126	present	present	ADJ
fsr-3462	130	127	value	value	NOUN
fsr-3462	130	128	of	of	ADP
fsr-3462	130	129	one	one	NUM
fsr-3462	130	130	’s	’s	PART
fsr-3462	130	131	total	total	NOUN
fsr-3462	130	132	wealth.6	wealth.6	NOUN
fsr-3462	130	133	instead	instead	ADV
fsr-3462	130	134	it	it	PRON
fsr-3462	130	135	is	be	AUX
fsr-3462	130	136	considered	consider	VERB
fsr-3462	130	137	in	in	ADP
fsr-3462	130	138	the	the	DET
fsr-3462	130	139	context	context	NOUN
fsr-3462	130	140	of	of	ADP
fsr-3462	130	141	the	the	DET
fsr-3462	130	142	current	current	ADJ
fsr-3462	130	143	budgetary	budgetary	ADJ
fsr-3462	130	144	period	period	NOUN
fsr-3462	130	145	and	and	CCONJ
fsr-3462	130	146	the	the	DET
fsr-3462	130	147	category	category	NOUN
fsr-3462	130	148	of	of	ADP
fsr-3462	130	149	expenses	expense	NOUN
fsr-3462	130	150	,	,	PUNCT
fsr-3462	130	151	leading	lead	VERB
fsr-3462	130	152	to	to	ADP
fsr-3462	130	153	constraints	constraint	NOUN
fsr-3462	130	154	/	/	SYM
fsr-3462	130	155	relaxations	relaxation	NOUN
fsr-3462	130	156	of	of	ADP
fsr-3462	130	157	purchases	purchase	NOUN
fsr-3462	130	158	irrespective	irrespective	ADV
fsr-3462	130	159	to	to	ADP
fsr-3462	130	160	the	the	DET
fsr-3462	130	161	whole	whole	ADJ
fsr-3462	130	162	—	—	PUNCT
fsr-3462	130	163	same	same	ADJ
fsr-3462	130	164	—	—	PUNCT
fsr-3462	130	165	fungible	fungible	ADJ
fsr-3462	130	166	resource	resource	NOUN
fsr-3462	130	167	that	that	PRON
fsr-3462	130	168	is	be	AUX
fsr-3462	130	169	income	income	NOUN
fsr-3462	130	170	plus	plus	CCONJ
fsr-3462	130	171	(	(	PUNCT
fsr-3462	130	172	eventually	eventually	ADV
fsr-3462	130	173	)	)	PUNCT
fsr-3462	130	174	personal	personal	ADJ
fsr-3462	130	175	net	net	ADJ
fsr-3462	130	176	worth	worth	NOUN
fsr-3462	130	177	(	(	PUNCT
fsr-3462	130	178	cheema	cheema	PROPN
fsr-3462	130	179	&	&	CCONJ
fsr-3462	130	180	soman	soman	PROPN
fsr-3462	130	181	,	,	PUNCT
fsr-3462	130	182	2006	2006	NUM
fsr-3462	130	183	;	;	PUNCT
fsr-3462	130	184	zhang	zhang	PROPN
fsr-3462	130	185	&	&	CCONJ
fsr-3462	130	186	sussman	sussman	PROPN
fsr-3462	130	187	,	,	PUNCT
fsr-3462	130	188	2018	2018	NUM
fsr-3462	130	189	)	)	PUNCT
fsr-3462	130	190	and	and	CCONJ
fsr-3462	130	191	a	a	DET
fsr-3462	130	192	greater	great	ADJ
fsr-3462	130	193	willingness	willingness	NOUN
fsr-3462	130	194	to	to	PART
fsr-3462	130	195	pay	pay	VERB
fsr-3462	130	196	for	for	ADP
fsr-3462	130	197	goods	good	NOUN
fsr-3462	130	198	when	when	SCONJ
fsr-3462	130	199	using	use	VERB
fsr-3462	130	200	credit	credit	NOUN
fsr-3462	130	201	cards	card	NOUN
fsr-3462	130	202	than	than	ADP
fsr-3462	130	203	cash	cash	NOUN
fsr-3462	130	204	(	(	PUNCT
fsr-3462	130	205	prelec	prelec	NOUN
fsr-3462	130	206	&	&	CCONJ
fsr-3462	130	207	simester	simester	NOUN
fsr-3462	130	208	,	,	PUNCT
fsr-3462	130	209	2001	2001	NUM
fsr-3462	130	210	)	)	PUNCT
fsr-3462	130	211	.	.	PUNCT
fsr-3462	131	1	at	at	ADP
fsr-3462	131	2	the	the	DET
fsr-3462	131	3	same	same	ADJ
fsr-3462	131	4	time	time	NOUN
fsr-3462	131	5	the	the	DET
fsr-3462	131	6	procrastination	procrastination	NOUN
fsr-3462	131	7	of	of	ADP
fsr-3462	131	8	debt	debt	NOUN
fsr-3462	131	9	payment	payment	NOUN
fsr-3462	131	10	can	can	AUX
fsr-3462	131	11	cause	cause	VERB
fsr-3462	131	12	pain	pain	NOUN
fsr-3462	131	13	and	and	CCONJ
fsr-3462	131	14	anxiety	anxiety	NOUN
fsr-3462	131	15	concerns	concern	NOUN
fsr-3462	131	16	which	which	PRON
fsr-3462	131	17	feedback	feedback	VERB
fsr-3462	131	18	into	into	ADP
fsr-3462	131	19	the	the	DET
fsr-3462	131	20	repayment	repayment	NOUN
fsr-3462	131	21	behavior	behavior	NOUN
fsr-3462	131	22	individuals	individual	NOUN
fsr-3462	131	23	display	display	VERB
fsr-3462	131	24	next	next	ADJ
fsr-3462	131	25	period	period	NOUN
fsr-3462	131	26	.	.	PUNCT
fsr-3462	132	1	we	we	PRON
fsr-3462	132	2	follow	follow	VERB
fsr-3462	132	3	a	a	DET
fsr-3462	132	4	recent	recent	ADJ
fsr-3462	132	5	strand	strand	NOUN
fsr-3462	132	6	of	of	ADP
fsr-3462	132	7	literature	literature	NOUN
fsr-3462	132	8	(	(	PUNCT
fsr-3462	132	9	andrews	andrews	PROPN
fsr-3462	132	10	&	&	CCONJ
fsr-3462	132	11	wilding	wilding	PROPN
fsr-3462	132	12	,	,	PUNCT
fsr-3462	132	13	2004	2004	NUM
fsr-3462	132	14	;	;	PUNCT
fsr-3462	132	15	fiksenbaum	fiksenbaum	PROPN
fsr-3462	132	16	et	et	PROPN
fsr-3462	132	17	al	al	PROPN
fsr-3462	132	18	,	,	PUNCT
fsr-3462	132	19	2017	2017	NUM
fsr-3462	132	20	;	;	PUNCT
fsr-3462	132	21	marjanovic	marjanovic	PROPN
fsr-3462	132	22	et	et	PROPN
fsr-3462	132	23	al	al	PROPN
fsr-3462	132	24	.	.	PROPN
fsr-3462	132	25	,	,	PUNCT
fsr-3462	132	26	2013	2013	NUM
fsr-3462	132	27	)	)	PUNCT
fsr-3462	132	28	who	who	PRON
fsr-3462	132	29	define	define	VERB
fsr-3462	132	30	an	an	DET
fsr-3462	132	31	emotional	emotional	ADJ
fsr-3462	132	32	state	state	NOUN
fsr-3462	132	33	,	,	PUNCT
fsr-3462	132	34	such	such	ADJ
fsr-3462	132	35	as	as	ADP
fsr-3462	132	36	financial	financial	ADJ
fsr-3462	132	37	threat	threat	NOUN
fsr-3462	132	38	,	,	PUNCT
fsr-3462	132	39	referring	refer	VERB
fsr-3462	132	40	to	to	ADP
fsr-3462	132	41	self	self	NOUN
fsr-3462	132	42	-	-	PUNCT
fsr-3462	132	43	reported	report	VERB
fsr-3462	132	44	fearful	fearful	ADJ
fsr-3462	132	45	-	-	PUNCT
fsr-3462	132	46	anxious	anxious	ADJ
fsr-3462	132	47	uncertainty	uncertainty	NOUN
fsr-3462	132	48	regarding	regard	VERB
fsr-3462	132	49	one	one	NUM
fsr-3462	132	50	’s	’s	PART
fsr-3462	132	51	current	current	ADJ
fsr-3462	132	52	and	and	CCONJ
fsr-3462	132	53	future	future	ADJ
fsr-3462	132	54	financial	financial	ADJ
fsr-3462	132	55	situation	situation	NOUN
fsr-3462	132	56	.	.	PUNCT
fsr-3462	133	1	in	in	ADP
fsr-3462	133	2	this	this	DET
fsr-3462	133	3	study	study	NOUN
fsr-3462	133	4	we	we	PRON
fsr-3462	133	5	take	take	VERB
fsr-3462	133	6	particular	particular	ADJ
fsr-3462	133	7	interest	interest	NOUN
fsr-3462	133	8	in	in	ADP
fsr-3462	133	9	the	the	DET
fsr-3462	133	10	effect	effect	NOUN
fsr-3462	133	11	that	that	SCONJ
fsr-3462	133	12	higher	high	ADJ
fsr-3462	133	13	financial	financial	ADJ
fsr-3462	133	14	anxiety	anxiety	NOUN
fsr-3462	133	15	may	may	AUX
fsr-3462	133	16	have	have	VERB
fsr-3462	133	17	on	on	ADP
fsr-3462	133	18	credit	credit	NOUN
fsr-3462	133	19	card	card	NOUN
fsr-3462	133	20	repayment	repayment	NOUN
fsr-3462	133	21	behavior	behavior	NOUN
fsr-3462	133	22	.	.	PUNCT
fsr-3462	134	1	thus	thus	ADV
fsr-3462	134	2	,	,	PUNCT
fsr-3462	134	3	we	we	PRON
fsr-3462	134	4	propose	propose	VERB
fsr-3462	134	5	to	to	PART
fsr-3462	134	6	study	study	VERB
fsr-3462	134	7	the	the	DET
fsr-3462	134	8	combined	combine	VERB
fsr-3462	134	9	and	and	CCONJ
fsr-3462	134	10	interaction	interaction	NOUN
fsr-3462	134	11	effects	effect	NOUN
fsr-3462	134	12	of	of	ADP
fsr-3462	134	13	financial	financial	ADJ
fsr-3462	134	14	(	(	PUNCT
fsr-3462	134	15	il)literacy	il)literacy	NOUN
fsr-3462	134	16	and	and	CCONJ
fsr-3462	134	17	personality	personality	NOUN
fsr-3462	134	18	traits	trait	NOUN
fsr-3462	134	19	,	,	PUNCT
fsr-3462	134	20	as	as	SCONJ
fsr-3462	134	21	they	they	PRON
fsr-3462	134	22	relate	relate	VERB
fsr-3462	134	23	to	to	ADP
fsr-3462	134	24	credit	credit	NOUN
fsr-3462	134	25	card	card	NOUN
fsr-3462	134	26	repayment	repayment	NOUN
fsr-3462	134	27	patterns	pattern	NOUN
fsr-3462	134	28	.	.	PUNCT
fsr-3462	135	1	with	with	ADP
fsr-3462	135	2	these	these	DET
fsr-3462	135	3	considerations	consideration	NOUN
fsr-3462	135	4	in	in	ADP
fsr-3462	135	5	mind	mind	NOUN
fsr-3462	135	6	,	,	PUNCT
fsr-3462	135	7	then	then	ADV
fsr-3462	135	8	the	the	DET
fsr-3462	135	9	backbone	backbone	NOUN
fsr-3462	135	10	of	of	ADP
fsr-3462	135	11	our	our	PRON
fsr-3462	135	12	analysis	analysis	NOUN
fsr-3462	135	13	is	be	AUX
fsr-3462	135	14	driven	drive	VERB
fsr-3462	135	15	by	by	ADP
fsr-3462	135	16	the	the	DET
fsr-3462	135	17	following	follow	VERB
fsr-3462	135	18	set	set	NOUN
fsr-3462	135	19	of	of	ADP
fsr-3462	135	20	hypotheses	hypothesis	NOUN
fsr-3462	135	21	.	.	PUNCT
fsr-3462	136	1	hypothesis	hypothesis	NOUN
fsr-3462	136	2	1	1	NUM
fsr-3462	136	3	:	:	PUNCT
fsr-3462	136	4	higher	high	ADJ
fsr-3462	136	5	levels	level	NOUN
fsr-3462	136	6	of	of	ADP
fsr-3462	136	7	financial	financial	ADJ
fsr-3462	136	8	literacy	literacy	NOUN
fsr-3462	136	9	—	—	PUNCT
fsr-3462	136	10	measured	measure	VERB
fsr-3462	136	11	as	as	ADP
fsr-3462	136	12	higher	high	ADJ
fsr-3462	136	13	number	number	NOUN
fsr-3462	136	14	of	of	ADP
fsr-3462	136	15	correct	correct	ADJ
fsr-3462	136	16	answers	answer	NOUN
fsr-3462	136	17	—	—	PUNCT
fsr-3462	136	18	lead	lead	VERB
fsr-3462	136	19	to	to	ADP
fsr-3462	136	20	better	well	ADJ
fsr-3462	136	21	repayment	repayment	NOUN
fsr-3462	136	22	rates	rate	NOUN
fsr-3462	136	23	in	in	ADP
fsr-3462	136	24	credit	credit	NOUN
fsr-3462	136	25	card	card	NOUN
fsr-3462	136	26	debt	debt	NOUN
fsr-3462	136	27	.	.	PUNCT
fsr-3462	137	1	254	254	NUM
fsr-3462	137	2	g.	g.	PROPN
fsr-3462	137	3	barboza	barboza	PROPN
fsr-3462	137	4	et	et	PROPN
fsr-3462	137	5	al	al	PROPN
fsr-3462	137	6	.	.	PUNCT
fsr-3462	137	7	/	/	SYM
fsr-3462	137	8	financial	financial	ADJ
fsr-3462	137	9	services	service	NOUN
fsr-3462	137	10	review	review	VERB
fsr-3462	137	11	29	29	NUM
fsr-3462	137	12	(	(	PUNCT
fsr-3462	137	13	2021	2021	NUM
fsr-3462	137	14	)	)	PUNCT
fsr-3462	137	15	247–276	247–276	NUM
fsr-3462	137	16	hypothesis	hypothesis	NOUN
fsr-3462	137	17	2	2	NUM
fsr-3462	137	18	:	:	PUNCT
fsr-3462	137	19	the	the	PRON
fsr-3462	137	20	higher	high	ADJ
fsr-3462	137	21	the	the	DET
fsr-3462	137	22	transgenerational	transgenerational	ADJ
fsr-3462	137	23	transmission	transmission	NOUN
fsr-3462	137	24	of	of	ADP
fsr-3462	137	25	financial	financial	ADJ
fsr-3462	137	26	education	education	NOUN
fsr-3462	137	27	from	from	ADP
fsr-3462	137	28	parents	parent	NOUN
fsr-3462	137	29	to	to	ADP
fsr-3462	137	30	children	child	NOUN
fsr-3462	137	31	results	result	NOUN
fsr-3462	137	32	in	in	ADP
fsr-3462	137	33	improved	improved	ADJ
fsr-3462	137	34	repayment	repayment	NOUN
fsr-3462	137	35	in	in	ADP
fsr-3462	137	36	credit	credit	NOUN
fsr-3462	137	37	cards	card	NOUN
fsr-3462	137	38	.	.	PUNCT
fsr-3462	138	1	hypothesis	hypothesis	NOUN
fsr-3462	138	2	3	3	NUM
fsr-3462	138	3	:	:	PUNCT
fsr-3462	138	4	individuals	individual	NOUN
fsr-3462	138	5	with	with	ADP
fsr-3462	138	6	self	self	NOUN
fsr-3462	138	7	-	-	PUNCT
fsr-3462	138	8	assessed	assess	VERB
fsr-3462	138	9	lower	low	ADJ
fsr-3462	138	10	level	level	NOUN
fsr-3462	138	11	of	of	ADP
fsr-3462	138	12	financial	financial	ADJ
fsr-3462	138	13	literacy	literacy	NOUN
fsr-3462	138	14	(	(	PUNCT
fsr-3462	138	15	dk	dk	PROPN
fsr-3462	138	16	answers	answer	NOUN
fsr-3462	138	17	)	)	PUNCT
fsr-3462	138	18	display	display	VERB
fsr-3462	138	19	diverse	diverse	ADJ
fsr-3462	138	20	behaviors	behavior	NOUN
fsr-3462	138	21	(	(	PUNCT
fsr-3462	138	22	credit	credit	NOUN
fsr-3462	138	23	card	card	NOUN
fsr-3462	138	24	repayment	repayment	NOUN
fsr-3462	138	25	patterns	pattern	NOUN
fsr-3462	138	26	)	)	PUNCT
fsr-3462	138	27	as	as	SCONJ
fsr-3462	138	28	opposed	oppose	VERB
fsr-3462	138	29	to	to	ADP
fsr-3462	138	30	individuals	individual	NOUN
fsr-3462	138	31	who	who	PRON
fsr-3462	138	32	do	do	AUX
fsr-3462	138	33	not	not	PART
fsr-3462	138	34	possess	possess	VERB
fsr-3462	138	35	basic	basic	ADJ
fsr-3462	138	36	financial	financial	ADJ
fsr-3462	138	37	literacy	literacy	NOUN
fsr-3462	138	38	(	(	PUNCT
fsr-3462	138	39	wrong	wrong	ADJ
fsr-3462	138	40	answers	answer	NOUN
fsr-3462	138	41	)	)	PUNCT
fsr-3462	138	42	.	.	PUNCT
fsr-3462	139	1	hypothesis	hypothesis	NOUN
fsr-3462	139	2	4	4	NUM
fsr-3462	139	3	:	:	PUNCT
fsr-3462	139	4	individuals	individual	NOUN
fsr-3462	139	5	displaying	display	VERB
fsr-3462	139	6	present	present	ADJ
fsr-3462	139	7	bias	bias	NOUN
fsr-3462	139	8	,	,	PUNCT
fsr-3462	139	9	improper	improper	ADJ
fsr-3462	139	10	mental	mental	ADJ
fsr-3462	139	11	accounting	accounting	NOUN
fsr-3462	139	12	and	and	CCONJ
fsr-3462	139	13	or	or	CCONJ
fsr-3462	139	14	impulse	impulse	ADJ
fsr-3462	139	15	behavior	behavior	NOUN
fsr-3462	139	16	and	and	CCONJ
fsr-3462	139	17	financially	financially	ADV
fsr-3462	139	18	derived	derive	VERB
fsr-3462	139	19	anxiety	anxiety	NOUN
fsr-3462	139	20	are	be	AUX
fsr-3462	139	21	less	less	ADV
fsr-3462	139	22	likely	likely	ADJ
fsr-3462	139	23	to	to	PART
fsr-3462	139	24	display	display	VERB
fsr-3462	139	25	proper	proper	ADJ
fsr-3462	139	26	financial	financial	ADJ
fsr-3462	139	27	behavior	behavior	NOUN
fsr-3462	139	28	(	(	PUNCT
fsr-3462	139	29	i.e.	i.e.	X
fsr-3462	139	30	,	,	PUNCT
fsr-3462	139	31	pay	pay	VERB
fsr-3462	139	32	credit	credit	NOUN
fsr-3462	139	33	cards	card	NOUN
fsr-3462	139	34	in	in	ADP
fsr-3462	139	35	full	full	ADJ
fsr-3462	139	36	)	)	PUNCT
fsr-3462	139	37	and	and	CCONJ
fsr-3462	139	38	consequently	consequently	ADV
fsr-3462	139	39	carry	carry	VERB
fsr-3462	139	40	month	month	NOUN
fsr-3462	139	41	-	-	PUNCT
fsr-3462	139	42	to	to	ADP
fsr-3462	139	43	-	-	PUNCT
fsr-3462	139	44	month	month	NOUN
fsr-3462	139	45	balance	balance	NOUN
fsr-3462	139	46	.	.	PUNCT
fsr-3462	140	1	hypothesis	hypothesis	NOUN
fsr-3462	140	2	5	5	NUM
fsr-3462	140	3	:	:	PUNCT
fsr-3462	140	4	positive	positive	ADJ
fsr-3462	140	5	effects	effect	NOUN
fsr-3462	140	6	from	from	ADP
fsr-3462	140	7	higher	high	ADJ
fsr-3462	140	8	levels	level	NOUN
fsr-3462	140	9	of	of	ADP
fsr-3462	140	10	financial	financial	ADJ
fsr-3462	140	11	literacy	literacy	NOUN
fsr-3462	140	12	could	could	AUX
fsr-3462	140	13	be	be	AUX
fsr-3462	140	14	overpowered	overpower	VERB
fsr-3462	140	15	by	by	ADP
fsr-3462	140	16	personal	personal	ADJ
fsr-3462	140	17	traits	trait	NOUN
fsr-3462	140	18	.	.	PUNCT
fsr-3462	141	1	this	this	PRON
fsr-3462	141	2	is	be	AUX
fsr-3462	141	3	to	to	PART
fsr-3462	141	4	say	say	VERB
fsr-3462	141	5	,	,	PUNCT
fsr-3462	141	6	that	that	SCONJ
fsr-3462	141	7	financial	financial	ADJ
fsr-3462	141	8	literacy	literacy	NOUN
fsr-3462	141	9	may	may	AUX
fsr-3462	141	10	or	or	CCONJ
fsr-3462	141	11	may	may	AUX
fsr-3462	141	12	not	not	PART
fsr-3462	141	13	be	be	AUX
fsr-3462	141	14	enough	enough	ADJ
fsr-3462	141	15	to	to	PART
fsr-3462	141	16	counter	counter	VERB
fsr-3462	141	17	inherent	inherent	ADJ
fsr-3462	141	18	negative	negative	ADJ
fsr-3462	141	19	traits	trait	NOUN
fsr-3462	141	20	that	that	PRON
fsr-3462	141	21	individuals	individual	NOUN
fsr-3462	141	22	already	already	ADV
fsr-3462	141	23	possess	possess	VERB
fsr-3462	141	24	.	.	PUNCT
fsr-3462	142	1	3	3	X
fsr-3462	142	2	.	.	X
fsr-3462	142	3	method	method	PROPN
fsr-3462	142	4	3.1	3.1	NUM
fsr-3462	142	5	.	.	PUNCT
fsr-3462	143	1	data	datum	NOUN
fsr-3462	143	2	and	and	CCONJ
fsr-3462	143	3	variables	variable	NOUN
fsr-3462	143	4	data	datum	NOUN
fsr-3462	143	5	for	for	ADP
fsr-3462	143	6	this	this	DET
fsr-3462	143	7	research	research	NOUN
fsr-3462	143	8	comes	come	VERB
fsr-3462	143	9	from	from	ADP
fsr-3462	143	10	a	a	DET
fsr-3462	143	11	survey	survey	NOUN
fsr-3462	143	12	administered	administer	VERB
fsr-3462	143	13	to	to	ADP
fsr-3462	143	14	three	three	NUM
fsr-3462	143	15	samples	sample	NOUN
fsr-3462	143	16	of	of	ADP
fsr-3462	143	17	business	business	NOUN
fsr-3462	143	18	college	college	NOUN
fsr-3462	143	19	students	student	NOUN
fsr-3462	143	20	in	in	ADP
fsr-3462	143	21	the	the	DET
fsr-3462	143	22	united	united	PROPN
fsr-3462	143	23	states	states	PROPN
fsr-3462	143	24	,	,	PUNCT
fsr-3462	143	25	attending	attend	VERB
fsr-3462	143	26	a	a	DET
fsr-3462	143	27	midwest	midwest	NOUN
fsr-3462	143	28	higher	high	ADJ
fsr-3462	143	29	education	education	NOUN
fsr-3462	143	30	university	university	NOUN
fsr-3462	143	31	and	and	CCONJ
fsr-3462	143	32	a	a	DET
fsr-3462	143	33	mid	mid	ADJ
fsr-3462	143	34	-	-	PROPN
fsr-3462	143	35	atlantic	atlantic	ADJ
fsr-3462	143	36	university	university	NOUN
fsr-3462	143	37	.	.	PUNCT
fsr-3462	144	1	the	the	DET
fsr-3462	144	2	survey	survey	NOUN
fsr-3462	144	3	was	be	AUX
fsr-3462	144	4	paper	paper	NOUN
fsr-3462	144	5	based	base	VERB
fsr-3462	144	6	and	and	CCONJ
fsr-3462	144	7	administered	administer	VERB
fsr-3462	144	8	in	in	ADP
fsr-3462	144	9	person	person	NOUN
fsr-3462	144	10	to	to	ADP
fsr-3462	144	11	a	a	DET
fsr-3462	144	12	total	total	NOUN
fsr-3462	144	13	of	of	ADP
fsr-3462	144	14	1,149	1,149	NUM
fsr-3462	144	15	students	student	NOUN
fsr-3462	144	16	.	.	PUNCT
fsr-3462	145	1	data	datum	NOUN
fsr-3462	145	2	were	be	AUX
fsr-3462	145	3	collected	collect	VERB
fsr-3462	145	4	in	in	ADP
fsr-3462	145	5	2015	2015	NUM
fsr-3462	145	6	and	and	CCONJ
fsr-3462	145	7	the	the	DET
fsr-3462	145	8	total	total	ADJ
fsr-3462	145	9	complete	complete	ADJ
fsr-3462	145	10	sample	sample	NOUN
fsr-3462	145	11	size	size	NOUN
fsr-3462	145	12	useful	useful	ADJ
fsr-3462	145	13	for	for	ADP
fsr-3462	145	14	our	our	PRON
fsr-3462	145	15	analysis	analysis	NOUN
fsr-3462	145	16	is	be	AUX
fsr-3462	145	17	of	of	ADP
fsr-3462	145	18	156	156	NUM
fsr-3462	145	19	respondents	respondent	NOUN
fsr-3462	145	20	.	.	PUNCT
fsr-3462	146	1	the	the	DET
fsr-3462	146	2	sample	sample	NOUN
fsr-3462	146	3	is	be	AUX
fsr-3462	146	4	composed	compose	VERB
fsr-3462	146	5	as	as	ADP
fsr-3462	146	6	follow	follow	NOUN
fsr-3462	146	7	:	:	PUNCT
fsr-3462	146	8	45.50	45.50	NUM
fsr-3462	146	9	%	%	NOUN
fsr-3462	146	10	are	be	AUX
fsr-3462	146	11	female	female	ADJ
fsr-3462	146	12	students	student	NOUN
fsr-3462	146	13	and	and	CCONJ
fsr-3462	146	14	54,50	54,50	NUM
fsr-3462	146	15	%	%	NOUN
fsr-3462	146	16	are	be	AUX
fsr-3462	146	17	male	male	ADJ
fsr-3462	146	18	students	student	NOUN
fsr-3462	146	19	;	;	PUNCT
fsr-3462	146	20	minority	minority	NOUN
fsr-3462	146	21	represents	represent	VERB
fsr-3462	146	22	21.2	21.2	NUM
fsr-3462	146	23	%	%	NOUN
fsr-3462	146	24	whereas	whereas	SCONJ
fsr-3462	146	25	white	white	ADJ
fsr-3462	146	26	race	race	NOUN
fsr-3462	146	27	students	student	NOUN
fsr-3462	146	28	are	be	AUX
fsr-3462	146	29	78.8	78.8	NUM
fsr-3462	146	30	%	%	NOUN
fsr-3462	146	31	of	of	ADP
fsr-3462	146	32	the	the	DET
fsr-3462	146	33	sample	sample	NOUN
fsr-3462	146	34	.	.	PUNCT
fsr-3462	147	1	in	in	ADP
fsr-3462	147	2	terms	term	NOUN
fsr-3462	147	3	of	of	ADP
fsr-3462	147	4	academic	academic	ADJ
fsr-3462	147	5	status	status	NOUN
fsr-3462	147	6	,	,	PUNCT
fsr-3462	147	7	freshman	freshman	NOUN
fsr-3462	147	8	students	student	NOUN
fsr-3462	147	9	are	be	AUX
fsr-3462	147	10	32.05	32.05	NUM
fsr-3462	147	11	%	%	NOUN
fsr-3462	147	12	of	of	ADP
fsr-3462	147	13	the	the	DET
fsr-3462	147	14	sample	sample	NOUN
fsr-3462	147	15	,	,	PUNCT
fsr-3462	147	16	sophomore	sophomore	NOUN
fsr-3462	147	17	students	student	NOUN
fsr-3462	147	18	8.97	8.97	NUM
fsr-3462	147	19	%	%	NOUN
fsr-3462	147	20	,	,	PUNCT
fsr-3462	147	21	junior	junior	ADJ
fsr-3462	147	22	students	student	NOUN
fsr-3462	147	23	are	be	AUX
fsr-3462	147	24	20.51	20.51	NUM
fsr-3462	147	25	%	%	NOUN
fsr-3462	147	26	,	,	PUNCT
fsr-3462	147	27	senior	senior	ADJ
fsr-3462	147	28	students	student	NOUN
fsr-3462	147	29	are	be	AUX
fsr-3462	147	30	36.54	36.54	NUM
fsr-3462	147	31	%	%	NOUN
fsr-3462	147	32	,	,	PUNCT
fsr-3462	147	33	and	and	CCONJ
fsr-3462	147	34	graduate	graduate	NOUN
fsr-3462	147	35	students	student	NOUN
fsr-3462	147	36	only	only	ADV
fsr-3462	147	37	1.93	1.93	NUM
fsr-3462	147	38	%	%	NOUN
fsr-3462	147	39	.	.	PUNCT
fsr-3462	148	1	the	the	DET
fsr-3462	148	2	main	main	ADJ
fsr-3462	148	3	interest	interest	NOUN
fsr-3462	148	4	of	of	ADP
fsr-3462	148	5	this	this	DET
fsr-3462	148	6	study	study	NOUN
fsr-3462	148	7	is	be	AUX
fsr-3462	148	8	to	to	PART
fsr-3462	148	9	explore	explore	VERB
fsr-3462	148	10	the	the	DET
fsr-3462	148	11	effects	effect	NOUN
fsr-3462	148	12	that	that	PRON
fsr-3462	148	13	financial	financial	ADJ
fsr-3462	148	14	(	(	PUNCT
fsr-3462	148	15	il)literacy	il)literacy	NOUN
fsr-3462	148	16	and	and	CCONJ
fsr-3462	148	17	individual	individual	ADJ
fsr-3462	148	18	personal	personal	ADJ
fsr-3462	148	19	traits	trait	NOUN
fsr-3462	148	20	related	relate	VERB
fsr-3462	148	21	to	to	ADP
fsr-3462	148	22	purchasing	purchase	VERB
fsr-3462	148	23	behavior	behavior	NOUN
fsr-3462	148	24	have	have	VERB
fsr-3462	148	25	on	on	ADP
fsr-3462	148	26	their	their	PRON
fsr-3462	148	27	financial	financial	ADJ
fsr-3462	148	28	behavior	behavior	NOUN
fsr-3462	148	29	as	as	SCONJ
fsr-3462	148	30	manifested	manifest	VERB
fsr-3462	148	31	in	in	ADP
fsr-3462	148	32	credit	credit	NOUN
fsr-3462	148	33	card	card	NOUN
fsr-3462	148	34	repayment	repayment	NOUN
fsr-3462	148	35	patterns	pattern	NOUN
fsr-3462	148	36	.	.	PUNCT
fsr-3462	149	1	thus	thus	ADV
fsr-3462	149	2	,	,	PUNCT
fsr-3462	149	3	we	we	PRON
fsr-3462	149	4	measure	measure	VERB
fsr-3462	149	5	financial	financial	ADJ
fsr-3462	149	6	behavior	behavior	NOUN
fsr-3462	149	7	as	as	ADP
fsr-3462	149	8	an	an	DET
fsr-3462	149	9	individual	individual	NOUN
fsr-3462	149	10	’s	’s	PART
fsr-3462	149	11	credit	credit	NOUN
fsr-3462	149	12	card	card	NOUN
fsr-3462	149	13	repayment	repayment	NOUN
fsr-3462	149	14	pattern	pattern	NOUN
fsr-3462	149	15	and	and	CCONJ
fsr-3462	149	16	ask	ask	VERB
fsr-3462	149	17	questions	question	NOUN
fsr-3462	149	18	regarding	regard	VERB
fsr-3462	149	19	credit	credit	NOUN
fsr-3462	149	20	card	card	NOUN
fsr-3462	149	21	repayment	repayment	NOUN
fsr-3462	149	22	behavior	behavior	NOUN
fsr-3462	149	23	,	,	PUNCT
fsr-3462	149	24	such	such	ADJ
fsr-3462	149	25	as	as	ADP
fsr-3462	149	26	:	:	PUNCT
fsr-3462	149	27	pay	pay	VERB
fsr-3462	149	28	if	if	SCONJ
fsr-3462	149	29	full	full	ADJ
fsr-3462	149	30	every	every	DET
fsr-3462	149	31	month	month	NOUN
fsr-3462	149	32	;	;	PUNCT
fsr-3462	149	33	pay	pay	VERB
fsr-3462	149	34	some	some	PRON
fsr-3462	149	35	in	in	ADP
fsr-3462	149	36	full	full	ADJ
fsr-3462	149	37	and	and	CCONJ
fsr-3462	149	38	then	then	ADV
fsr-3462	149	39	only	only	ADV
fsr-3462	149	40	the	the	DET
fsr-3462	149	41	minimum	minimum	NOUN
fsr-3462	149	42	required	require	VERB
fsr-3462	149	43	;	;	PUNCT
fsr-3462	149	44	pay	pay	VERB
fsr-3462	149	45	more	more	ADJ
fsr-3462	149	46	than	than	ADP
fsr-3462	149	47	minimum	minimum	NOUN
fsr-3462	149	48	required	require	VERB
fsr-3462	149	49	but	but	CCONJ
fsr-3462	149	50	not	not	PART
fsr-3462	149	51	in	in	ADP
fsr-3462	149	52	full	full	ADJ
fsr-3462	149	53	;	;	PUNCT
fsr-3462	149	54	pay	pay	VERB
fsr-3462	149	55	minimum	minimum	NOUN
fsr-3462	149	56	required	require	VERB
fsr-3462	149	57	;	;	PUNCT
fsr-3462	149	58	or	or	CCONJ
fsr-3462	149	59	pay	pay	VERB
fsr-3462	149	60	less	less	ADJ
fsr-3462	149	61	than	than	ADP
fsr-3462	149	62	minimum	minimum	NOUN
fsr-3462	149	63	required	require	VERB
fsr-3462	149	64	.	.	PUNCT
fsr-3462	150	1	we	we	PRON
fsr-3462	150	2	create	create	VERB
fsr-3462	150	3	the	the	DET
fsr-3462	150	4	categorical	categorical	ADJ
fsr-3462	150	5	variable	variable	NOUN
fsr-3462	150	6	used	use	VERB
fsr-3462	150	7	to	to	PART
fsr-3462	150	8	estimate	estimate	VERB
fsr-3462	150	9	the	the	DET
fsr-3462	150	10	ordered	order	VERB
fsr-3462	150	11	probit	probit	NOUN
fsr-3462	150	12	model	model	NOUN
fsr-3462	150	13	and	and	CCONJ
fsr-3462	150	14	corresponding	corresponding	ADJ
fsr-3462	150	15	probabilities	probability	NOUN
fsr-3462	150	16	of	of	ADP
fsr-3462	150	17	occurrence	occurrence	NOUN
fsr-3462	150	18	.	.	PUNCT
fsr-3462	151	1	the	the	DET
fsr-3462	151	2	survey	survey	NOUN
fsr-3462	151	3	also	also	ADV
fsr-3462	151	4	includes	include	VERB
fsr-3462	151	5	a	a	DET
fsr-3462	151	6	combination	combination	NOUN
fsr-3462	151	7	of	of	ADP
fsr-3462	151	8	questions	question	NOUN
fsr-3462	151	9	related	relate	VERB
fsr-3462	151	10	to	to	ADP
fsr-3462	151	11	personal	personal	ADJ
fsr-3462	151	12	traits	trait	NOUN
fsr-3462	151	13	and	and	CCONJ
fsr-3462	151	14	financial	financial	ADJ
fsr-3462	151	15	(	(	PUNCT
fsr-3462	151	16	il)literacy	il)literacy	NOUN
fsr-3462	151	17	elements	element	NOUN
fsr-3462	151	18	.	.	PUNCT
fsr-3462	152	1	regarding	regard	VERB
fsr-3462	152	2	financial	financial	ADJ
fsr-3462	152	3	literacy	literacy	NOUN
fsr-3462	152	4	we	we	PRON
fsr-3462	152	5	post	post	VERB
fsr-3462	152	6	five	five	NUM
fsr-3462	152	7	financial	financial	ADJ
fsr-3462	152	8	literacy	literacy	NOUN
fsr-3462	152	9	questions	question	NOUN
fsr-3462	152	10	to	to	ADP
fsr-3462	152	11	students	student	NOUN
fsr-3462	152	12	(	(	PUNCT
fsr-3462	152	13	see	see	VERB
fsr-3462	152	14	fig	fig	NOUN
fsr-3462	152	15	.	.	PUNCT
fsr-3462	152	16	1	1	NUM
fsr-3462	152	17	for	for	ADP
fsr-3462	152	18	details	detail	NOUN
fsr-3462	152	19	)	)	PUNCT
fsr-3462	152	20	that	that	PRON
fsr-3462	152	21	tests	test	VERB
fsr-3462	152	22	the	the	DET
fsr-3462	152	23	basic	basic	ADJ
fsr-3462	152	24	financial	financial	ADJ
fsr-3462	152	25	concepts	concept	NOUN
fsr-3462	152	26	traditionally	traditionally	ADV
fsr-3462	152	27	tested	test	VERB
fsr-3462	152	28	in	in	ADP
fsr-3462	152	29	the	the	DET
fsr-3462	152	30	financial	financial	ADJ
fsr-3462	152	31	literacy	literacy	NOUN
fsr-3462	152	32	literature	literature	NOUN
fsr-3462	152	33	since	since	SCONJ
fsr-3462	152	34	lusardi	lusardi	PROPN
fsr-3462	152	35	and	and	CCONJ
fsr-3462	152	36	mitchell	mitchell	PROPN
fsr-3462	152	37	(	(	PUNCT
fsr-3462	152	38	2007	2007	NUM
fsr-3462	152	39	)	)	PUNCT
fsr-3462	152	40	proposed	propose	VERB
fsr-3462	152	41	them	they	PRON
fsr-3462	152	42	:	:	PUNCT
fsr-3462	152	43	inflation	inflation	NOUN
fsr-3462	152	44	,	,	PUNCT
fsr-3462	152	45	time	time	NOUN
fsr-3462	152	46	value	value	NOUN
fsr-3462	152	47	of	of	ADP
fsr-3462	152	48	money	money	NOUN
fsr-3462	152	49	,	,	PUNCT
fsr-3462	152	50	diversification	diversification	NOUN
fsr-3462	152	51	,	,	PUNCT
fsr-3462	152	52	and	and	CCONJ
fsr-3462	152	53	interest	interest	NOUN
fsr-3462	152	54	rate	rate	NOUN
fsr-3462	152	55	compounding	compounding	NOUN
fsr-3462	152	56	.	.	PUNCT
fsr-3462	153	1	the	the	DET
fsr-3462	153	2	survey	survey	NOUN
fsr-3462	153	3	also	also	ADV
fsr-3462	153	4	includes	include	VERB
fsr-3462	153	5	a	a	DET
fsr-3462	153	6	set	set	NOUN
fsr-3462	153	7	of	of	ADP
fsr-3462	153	8	questions	question	NOUN
fsr-3462	153	9	designed	design	VERB
fsr-3462	153	10	to	to	PART
fsr-3462	153	11	capture	capture	VERB
fsr-3462	153	12	specific	specific	ADJ
fsr-3462	153	13	personality	personality	NOUN
fsr-3462	153	14	traits	trait	NOUN
fsr-3462	153	15	.	.	PUNCT
fsr-3462	154	1	these	these	DET
fsr-3462	154	2	variables	variable	NOUN
fsr-3462	154	3	serve	serve	VERB
fsr-3462	154	4	as	as	ADP
fsr-3462	154	5	proxies	proxy	NOUN
fsr-3462	154	6	to	to	PART
fsr-3462	154	7	assess	assess	VERB
fsr-3462	154	8	individuals	individual	NOUN
fsr-3462	154	9	’	’	PART
fsr-3462	154	10	time	time	NOUN
fsr-3462	154	11	preferences	preference	NOUN
fsr-3462	154	12	(	(	PUNCT
fsr-3462	154	13	present	present	ADJ
fsr-3462	154	14	bias	bias	NOUN
fsr-3462	154	15	issues	issue	NOUN
fsr-3462	154	16	)	)	PUNCT
fsr-3462	154	17	,	,	PUNCT
fsr-3462	154	18	g.	g.	PROPN
fsr-3462	154	19	barboza	barboza	PROPN
fsr-3462	154	20	et	et	PROPN
fsr-3462	154	21	al	al	PROPN
fsr-3462	154	22	.	.	PUNCT
fsr-3462	154	23	/	/	SYM
fsr-3462	154	24	financial	financial	ADJ
fsr-3462	154	25	services	service	NOUN
fsr-3462	154	26	review	review	VERB
fsr-3462	154	27	29	29	NUM
fsr-3462	154	28	(	(	PUNCT
fsr-3462	154	29	2021	2021	NUM
fsr-3462	154	30	)	)	PUNCT
fsr-3462	154	31	247–276	247–276	NUM
fsr-3462	154	32	255	255	NUM
fsr-3462	154	33	f	f	PROPN
fsr-3462	154	34	ig	ig	PROPN
fsr-3462	154	35	.	.	PUNCT
fsr-3462	155	1	1	1	NUM
fsr-3462	155	2	.	.	PUNCT
fsr-3462	156	1	f	f	PROPN
fsr-3462	156	2	in	in	ADP
fsr-3462	156	3	an	an	DET
fsr-3462	156	4	ci	ci	PROPN
fsr-3462	156	5	al	al	PROPN
fsr-3462	156	6	li	li	PROPN
fsr-3462	157	1	te	te	PROPN
fsr-3462	157	2	ra	ra	PROPN
fsr-3462	157	3	cy	cy	INTJ
fsr-3462	157	4	q	q	PROPN
fsr-3462	157	5	u	u	NOUN
fsr-3462	157	6	es	es	X
fsr-3462	157	7	ti	ti	NOUN
fsr-3462	157	8	o	o	NOUN
fsr-3462	157	9	n	n	CCONJ
fsr-3462	157	10	s.	s.	PROPN
fsr-3462	157	11	256	256	NUM
fsr-3462	157	12	g.	g.	PROPN
fsr-3462	157	13	barboza	barboza	PROPN
fsr-3462	157	14	et	et	PROPN
fsr-3462	157	15	al	al	PROPN
fsr-3462	157	16	.	.	PUNCT
fsr-3462	157	17	/	/	SYM
fsr-3462	157	18	financial	financial	ADJ
fsr-3462	157	19	services	service	NOUN
fsr-3462	157	20	review	review	VERB
fsr-3462	157	21	29	29	NUM
fsr-3462	157	22	(	(	PUNCT
fsr-3462	157	23	2021	2021	NUM
fsr-3462	157	24	)	)	PUNCT
fsr-3462	157	25	247–276	247–276	NUM
fsr-3462	157	26	issues	issue	NOUN
fsr-3462	157	27	relating	relate	VERB
fsr-3462	157	28	to	to	ADP
fsr-3462	157	29	mental	mental	ADJ
fsr-3462	157	30	accounting	accounting	NOUN
fsr-3462	157	31	,	,	PUNCT
fsr-3462	157	32	and	and	CCONJ
fsr-3462	157	33	potential	potential	ADJ
fsr-3462	157	34	issues	issue	NOUN
fsr-3462	157	35	relating	relate	VERB
fsr-3462	157	36	to	to	ADP
fsr-3462	157	37	procrastination	procrastination	NOUN
fsr-3462	157	38	and	and	CCONJ
fsr-3462	157	39	lack	lack	NOUN
fsr-3462	157	40	of	of	ADP
fsr-3462	157	41	commitment	commitment	NOUN
fsr-3462	157	42	.	.	PUNCT
fsr-3462	158	1	based	base	VERB
fsr-3462	158	2	on	on	ADP
fsr-3462	158	3	the	the	DET
fsr-3462	158	4	review	review	NOUN
fsr-3462	158	5	of	of	ADP
fsr-3462	158	6	the	the	DET
fsr-3462	158	7	literature	literature	NOUN
fsr-3462	158	8	we	we	PRON
fsr-3462	158	9	argue	argue	VERB
fsr-3462	158	10	that	that	SCONJ
fsr-3462	158	11	these	these	DET
fsr-3462	158	12	topics	topic	NOUN
fsr-3462	158	13	may	may	AUX
fsr-3462	158	14	manifest	manifest	VERB
fsr-3462	158	15	in	in	ADP
fsr-3462	158	16	turn	turn	NOUN
fsr-3462	158	17	in	in	ADP
fsr-3462	158	18	behavioral	behavioral	ADJ
fsr-3462	158	19	delays	delay	NOUN
fsr-3462	158	20	on	on	ADP
fsr-3462	158	21	credit	credit	NOUN
fsr-3462	158	22	card	card	NOUN
fsr-3462	158	23	repayment	repayment	NOUN
fsr-3462	158	24	,	,	PUNCT
fsr-3462	158	25	as	as	SCONJ
fsr-3462	158	26	purchase	purchase	NOUN
fsr-3462	158	27	may	may	AUX
fsr-3462	158	28	be	be	AUX
fsr-3462	158	29	in	in	ADP
fsr-3462	158	30	excess	excess	ADJ
fsr-3462	158	31	to	to	ADP
fsr-3462	158	32	monthly	monthly	ADJ
fsr-3462	158	33	repayment	repayment	NOUN
fsr-3462	158	34	capabilities	capability	NOUN
fsr-3462	158	35	.	.	PUNCT
fsr-3462	159	1	therefore	therefore	ADV
fsr-3462	159	2	,	,	PUNCT
fsr-3462	159	3	to	to	PART
fsr-3462	159	4	further	far	ADV
fsr-3462	159	5	understand	understand	VERB
fsr-3462	159	6	individuals	individual	NOUN
fsr-3462	159	7	’	’	PART
fsr-3462	159	8	decision	decision	NOUN
fsr-3462	159	9	-	-	PUNCT
fsr-3462	159	10	making	make	VERB
fsr-3462	159	11	process	process	NOUN
fsr-3462	159	12	,	,	PUNCT
fsr-3462	159	13	subjects	subject	NOUN
fsr-3462	159	14	were	be	AUX
fsr-3462	159	15	asked	ask	VERB
fsr-3462	159	16	if	if	SCONJ
fsr-3462	159	17	they	they	PRON
fsr-3462	159	18	were	be	AUX
fsr-3462	159	19	surprised	surprised	ADJ
fsr-3462	159	20	at	at	ADP
fsr-3462	159	21	the	the	DET
fsr-3462	159	22	end	end	NOUN
fsr-3462	159	23	of	of	ADP
fsr-3462	159	24	the	the	DET
fsr-3462	159	25	billing	billing	NOUN
fsr-3462	159	26	cycle	cycle	NOUN
fsr-3462	159	27	with	with	ADP
fsr-3462	159	28	the	the	DET
fsr-3462	159	29	balance	balance	NOUN
fsr-3462	159	30	the	the	DET
fsr-3462	159	31	credit	credit	NOUN
fsr-3462	159	32	cards	card	NOUN
fsr-3462	159	33	has	have	AUX
fsr-3462	159	34	reached	reach	VERB
fsr-3462	159	35	,	,	PUNCT
fsr-3462	159	36	and	and	CCONJ
fsr-3462	159	37	secondly	secondly	ADV
fsr-3462	159	38	if	if	SCONJ
fsr-3462	159	39	they	they	PRON
fsr-3462	159	40	have	have	AUX
fsr-3462	159	41	engaged	engage	VERB
fsr-3462	159	42	in	in	ADP
fsr-3462	159	43	purchases	purchase	NOUN
fsr-3462	159	44	knowing	know	VERB
fsr-3462	159	45	that	that	SCONJ
fsr-3462	159	46	they	they	PRON
fsr-3462	159	47	did	do	AUX
fsr-3462	159	48	not	not	PART
fsr-3462	159	49	have	have	VERB
fsr-3462	159	50	money	money	NOUN
fsr-3462	159	51	to	to	PART
fsr-3462	159	52	pay	pay	VERB
fsr-3462	159	53	it	it	PRON
fsr-3462	159	54	in	in	ADP
fsr-3462	159	55	full	full	ADJ
fsr-3462	159	56	when	when	SCONJ
fsr-3462	159	57	the	the	DET
fsr-3462	159	58	balance	balance	NOUN
fsr-3462	159	59	was	be	AUX
fsr-3462	159	60	due	due	ADJ
fsr-3462	159	61	.	.	PUNCT
fsr-3462	160	1	we	we	PRON
fsr-3462	160	2	define	define	VERB
fsr-3462	160	3	these	these	DET
fsr-3462	160	4	two	two	NUM
fsr-3462	160	5	variables	variable	NOUN
fsr-3462	160	6	as	as	ADP
fsr-3462	160	7	surprised	surprised	ADJ
fsr-3462	160	8	and	and	CCONJ
fsr-3462	160	9	overspending	overspending	NOUN
fsr-3462	160	10	,	,	PUNCT
fsr-3462	160	11	respectively	respectively	ADV
fsr-3462	160	12	.	.	PUNCT
fsr-3462	161	1	in	in	ADP
fsr-3462	161	2	both	both	DET
fsr-3462	161	3	cases	case	NOUN
fsr-3462	161	4	,	,	PUNCT
fsr-3462	161	5	our	our	PRON
fsr-3462	161	6	tentative	tentative	ADJ
fsr-3462	161	7	hypothesis	hypothesis	NOUN
fsr-3462	161	8	is	be	AUX
fsr-3462	161	9	to	to	PART
fsr-3462	161	10	expect	expect	VERB
fsr-3462	161	11	that	that	SCONJ
fsr-3462	161	12	the	the	PRON
fsr-3462	161	13	higher	high	ADJ
fsr-3462	161	14	the	the	DET
fsr-3462	161	15	level	level	NOUN
fsr-3462	161	16	of	of	ADP
fsr-3462	161	17	surprised	surprised	ADJ
fsr-3462	161	18	and	and	CCONJ
fsr-3462	161	19	the	the	PRON
fsr-3462	161	20	higher	high	ADJ
fsr-3462	161	21	the	the	DET
fsr-3462	161	22	amount	amount	NOUN
fsr-3462	161	23	of	of	ADP
fsr-3462	161	24	overspending	overspending	NOUN
fsr-3462	161	25	lead	lead	NOUN
fsr-3462	161	26	to	to	ADP
fsr-3462	161	27	a	a	DET
fsr-3462	161	28	worsen	worsen	NOUN
fsr-3462	161	29	in	in	ADP
fsr-3462	161	30	credit	credit	NOUN
fsr-3462	161	31	card	card	NOUN
fsr-3462	161	32	repayment	repayment	NOUN
fsr-3462	161	33	patterns	pattern	NOUN
fsr-3462	161	34	in	in	ADP
fsr-3462	161	35	the	the	DET
fsr-3462	161	36	next	next	ADJ
fsr-3462	161	37	billing	billing	NOUN
fsr-3462	161	38	cycle	cycle	NOUN
fsr-3462	161	39	.	.	PUNCT
fsr-3462	162	1	to	to	PART
fsr-3462	162	2	identify	identify	VERB
fsr-3462	162	3	one	one	NUM
fsr-3462	162	4	’s	’s	PART
fsr-3462	162	5	personal	personal	ADJ
fsr-3462	162	6	attitude	attitude	NOUN
fsr-3462	162	7	toward	toward	ADP
fsr-3462	162	8	debt	debt	NOUN
fsr-3462	162	9	repayment	repayment	NOUN
fsr-3462	162	10	we	we	PRON
fsr-3462	162	11	include	include	VERB
fsr-3462	162	12	the	the	DET
fsr-3462	162	13	variable	variable	ADJ
fsr-3462	162	14	anxiety	anxiety	NOUN
fsr-3462	162	15	where	where	SCONJ
fsr-3462	162	16	the	the	DET
fsr-3462	162	17	variable	variable	NOUN
fsr-3462	162	18	takes	take	VERB
fsr-3462	162	19	the	the	DET
fsr-3462	162	20	values	value	NOUN
fsr-3462	162	21	according	accord	VERB
fsr-3462	162	22	to	to	ADP
fsr-3462	162	23	the	the	DET
fsr-3462	162	24	following	following	ADJ
fsr-3462	162	25	scale	scale	NOUN
fsr-3462	162	26	:	:	PUNCT
fsr-3462	162	27	1=	1=	NOUN
fsr-3462	162	28	not	not	PART
fsr-3462	162	29	anxious	anxious	ADJ
fsr-3462	162	30	at	at	ADV
fsr-3462	162	31	all	all	ADV
fsr-3462	162	32	and	and	CCONJ
fsr-3462	162	33	5	5	NUM
fsr-3462	162	34	=	=	SYM
fsr-3462	162	35	extremely	extremely	ADV
fsr-3462	162	36	anxious	anxious	ADJ
fsr-3462	162	37	.	.	PUNCT
fsr-3462	163	1	in	in	ADP
fsr-3462	163	2	our	our	PRON
fsr-3462	163	3	survey	survey	NOUN
fsr-3462	163	4	,	,	PUNCT
fsr-3462	163	5	students	student	NOUN
fsr-3462	163	6	self	self	NOUN
fsr-3462	163	7	-	-	PUNCT
fsr-3462	163	8	report	report	NOUN
fsr-3462	163	9	the	the	DET
fsr-3462	163	10	level	level	NOUN
fsr-3462	163	11	of	of	ADP
fsr-3462	163	12	their	their	PRON
fsr-3462	163	13	financial	financial	ADJ
fsr-3462	163	14	anxiety	anxiety	NOUN
fsr-3462	163	15	answering	answer	VERB
fsr-3462	163	16	to	to	ADP
fsr-3462	163	17	a	a	DET
fsr-3462	163	18	specific	specific	ADJ
fsr-3462	163	19	question	question	NOUN
fsr-3462	163	20	of	of	ADP
fsr-3462	163	21	the	the	DET
fsr-3462	163	22	survey	survey	NOUN
fsr-3462	163	23	.	.	PUNCT
fsr-3462	164	1	anxiety	anxiety	NOUN
fsr-3462	164	2	is	be	AUX
fsr-3462	164	3	in	in	ADP
fsr-3462	164	4	relation	relation	NOUN
fsr-3462	164	5	to	to	ADP
fsr-3462	164	6	how	how	SCONJ
fsr-3462	164	7	the	the	DET
fsr-3462	164	8	person	person	NOUN
fsr-3462	164	9	feels	feel	VERB
fsr-3462	164	10	when	when	SCONJ
fsr-3462	164	11	he	he	PRON
fsr-3462	164	12	or	or	CCONJ
fsr-3462	164	13	she	she	PRON
fsr-3462	164	14	has	have	VERB
fsr-3462	164	15	to	to	PART
fsr-3462	164	16	pay	pay	VERB
fsr-3462	164	17	the	the	DET
fsr-3462	164	18	credit	credit	NOUN
fsr-3462	164	19	card	card	NOUN
fsr-3462	164	20	bill	bill	NOUN
fsr-3462	164	21	at	at	ADP
fsr-3462	164	22	the	the	DET
fsr-3462	164	23	end	end	NOUN
fsr-3462	164	24	of	of	ADP
fsr-3462	164	25	the	the	DET
fsr-3462	164	26	billing	billing	NOUN
fsr-3462	164	27	cycle	cycle	NOUN
fsr-3462	164	28	.	.	PUNCT
fsr-3462	165	1	finally	finally	ADV
fsr-3462	165	2	,	,	PUNCT
fsr-3462	165	3	in	in	ADP
fsr-3462	165	4	addition	addition	NOUN
fsr-3462	165	5	to	to	ADP
fsr-3462	165	6	financial	financial	ADJ
fsr-3462	165	7	literacy	literacy	NOUN
fsr-3462	165	8	questions	question	NOUN
fsr-3462	165	9	our	our	PRON
fsr-3462	165	10	survey	survey	NOUN
fsr-3462	165	11	also	also	ADV
fsr-3462	165	12	considers	consider	VERB
fsr-3462	165	13	a	a	DET
fsr-3462	165	14	financial	financial	ADJ
fsr-3462	165	15	education	education	NOUN
fsr-3462	165	16	question	question	NOUN
fsr-3462	165	17	.	.	PUNCT
fsr-3462	166	1	in	in	ADP
fsr-3462	166	2	particular	particular	ADJ
fsr-3462	166	3	we	we	PRON
fsr-3462	166	4	analyze	analyze	VERB
fsr-3462	166	5	the	the	DET
fsr-3462	166	6	role	role	NOUN
fsr-3462	166	7	that	that	PRON
fsr-3462	166	8	parents	parent	NOUN
fsr-3462	166	9	may	may	AUX
fsr-3462	166	10	play	play	VERB
fsr-3462	166	11	in	in	ADP
fsr-3462	166	12	the	the	DET
fsr-3462	166	13	buildup	buildup	NOUN
fsr-3462	166	14	of	of	ADP
fsr-3462	166	15	the	the	DET
fsr-3462	166	16	financial	financial	ADJ
fsr-3462	166	17	literacy	literacy	NOUN
fsr-3462	166	18	levels	level	NOUN
fsr-3462	166	19	of	of	ADP
fsr-3462	166	20	their	their	PRON
fsr-3462	166	21	children	child	NOUN
fsr-3462	166	22	.	.	PUNCT
fsr-3462	167	1	the	the	DET
fsr-3462	167	2	survey	survey	NOUN
fsr-3462	167	3	asks	ask	VERB
fsr-3462	167	4	whether	whether	SCONJ
fsr-3462	167	5	their	their	PRON
fsr-3462	167	6	parents	parent	NOUN
fsr-3462	167	7	were	be	AUX
fsr-3462	167	8	the	the	DET
fsr-3462	167	9	primary	primary	ADJ
fsr-3462	167	10	source	source	NOUN
fsr-3462	167	11	of	of	ADP
fsr-3462	167	12	financial	financial	ADJ
fsr-3462	167	13	education	education	NOUN
fsr-3462	167	14	and	and	CCONJ
fsr-3462	167	15	we	we	PRON
fsr-3462	167	16	define	define	VERB
fsr-3462	167	17	a	a	DET
fsr-3462	167	18	dummy	dummy	ADJ
fsr-3462	167	19	variable	variable	ADJ
fsr-3462	167	20	fepar	fepar	NOUN
fsr-3462	167	21	when	when	SCONJ
fsr-3462	167	22	parents	parent	NOUN
fsr-3462	167	23	are	be	AUX
fsr-3462	167	24	reported	report	VERB
fsr-3462	167	25	as	as	ADP
fsr-3462	167	26	the	the	DET
fsr-3462	167	27	main	main	ADJ
fsr-3462	167	28	source	source	NOUN
fsr-3462	167	29	of	of	ADP
fsr-3462	167	30	financial	financial	ADJ
fsr-3462	167	31	education	education	NOUN
fsr-3462	167	32	.	.	PUNCT
fsr-3462	168	1	in	in	ADP
fsr-3462	168	2	line	line	NOUN
fsr-3462	168	3	with	with	ADP
fsr-3462	168	4	the	the	DET
fsr-3462	168	5	transgenerational	transgenerational	ADJ
fsr-3462	168	6	effect	effect	NOUN
fsr-3462	168	7	found	find	VERB
fsr-3462	168	8	elsewhere	elsewhere	ADV
fsr-3462	168	9	(	(	PUNCT
fsr-3462	168	10	barboza	barboza	PROPN
fsr-3462	168	11	,	,	PUNCT
fsr-3462	168	12	smith	smith	PROPN
fsr-3462	168	13	,	,	PUNCT
fsr-3462	168	14	&	&	CCONJ
fsr-3462	168	15	pesek	pesek	PROPN
fsr-3462	168	16	2016	2016	NUM
fsr-3462	168	17	)	)	PUNCT
fsr-3462	168	18	,	,	PUNCT
fsr-3462	168	19	we	we	PRON
fsr-3462	168	20	argue	argue	VERB
fsr-3462	168	21	that	that	SCONJ
fsr-3462	168	22	if	if	SCONJ
fsr-3462	168	23	parents	parent	NOUN
fsr-3462	168	24	are	be	AUX
fsr-3462	168	25	the	the	DET
fsr-3462	168	26	main	main	ADJ
fsr-3462	168	27	source	source	NOUN
fsr-3462	168	28	of	of	ADP
fsr-3462	168	29	financial	financial	ADJ
fsr-3462	168	30	education	education	NOUN
fsr-3462	168	31	,	,	PUNCT
fsr-3462	168	32	parents	parent	NOUN
fsr-3462	168	33	’	'	PUNCT
fsr-3462	168	34	financial	financial	ADJ
fsr-3462	168	35	experiences	experience	NOUN
fsr-3462	168	36	serve	serve	VERB
fsr-3462	168	37	as	as	ADP
fsr-3462	168	38	a	a	DET
fsr-3462	168	39	mechanism	mechanism	NOUN
fsr-3462	168	40	to	to	PART
fsr-3462	168	41	develop	develop	VERB
fsr-3462	168	42	knowledge	knowledge	NOUN
fsr-3462	168	43	spillover	spillover	NOUN
fsr-3462	168	44	effects	effect	NOUN
fsr-3462	168	45	and	and	CCONJ
fsr-3462	168	46	possibly	possibly	ADV
fsr-3462	168	47	avoiding	avoid	VERB
fsr-3462	168	48	painful	painful	ADJ
fsr-3462	168	49	self	self	NOUN
fsr-3462	168	50	-	-	PUNCT
fsr-3462	168	51	experiences	experience	NOUN
fsr-3462	168	52	that	that	PRON
fsr-3462	168	53	could	could	AUX
fsr-3462	168	54	result	result	VERB
fsr-3462	168	55	in	in	ADP
fsr-3462	168	56	lower	low	ADJ
fsr-3462	168	57	levels	level	NOUN
fsr-3462	168	58	of	of	ADP
fsr-3462	168	59	financial	financial	ADJ
fsr-3462	168	60	-	-	PUNCT
fsr-3462	168	61	based	base	VERB
fsr-3462	168	62	anxiety	anxiety	NOUN
fsr-3462	168	63	and	and	CCONJ
fsr-3462	168	64	translate	translate	VERB
fsr-3462	168	65	onto	onto	ADP
fsr-3462	168	66	better	well	ADJ
fsr-3462	168	67	credit	credit	NOUN
fsr-3462	168	68	card	card	NOUN
fsr-3462	168	69	repayment	repayment	NOUN
fsr-3462	168	70	patterns	pattern	NOUN
fsr-3462	168	71	.	.	PUNCT
fsr-3462	169	1	based	base	VERB
fsr-3462	169	2	on	on	ADP
fsr-3462	169	3	the	the	DET
fsr-3462	169	4	number	number	NOUN
fsr-3462	169	5	of	of	ADP
fsr-3462	169	6	correct	correct	ADJ
fsr-3462	169	7	answers	answer	NOUN
fsr-3462	169	8	to	to	ADP
fsr-3462	169	9	the	the	DET
fsr-3462	169	10	financial	financial	ADJ
fsr-3462	169	11	literacy	literacy	NOUN
fsr-3462	169	12	questions	question	NOUN
fsr-3462	169	13	,	,	PUNCT
fsr-3462	169	14	we	we	PRON
fsr-3462	169	15	first	first	ADV
fsr-3462	169	16	proceed	proceed	VERB
fsr-3462	169	17	to	to	PART
fsr-3462	169	18	construct	construct	VERB
fsr-3462	169	19	the	the	DET
fsr-3462	169	20	cumulative	cumulative	ADJ
fsr-3462	169	21	number	number	NOUN
fsr-3462	169	22	of	of	ADP
fsr-3462	169	23	total	total	ADJ
fsr-3462	169	24	correct	correct	ADJ
fsr-3462	169	25	answers	answer	NOUN
fsr-3462	169	26	.	.	PUNCT
fsr-3462	170	1	the	the	DET
fsr-3462	170	2	number	number	NOUN
fsr-3462	170	3	of	of	ADP
fsr-3462	170	4	correct	correct	ADJ
fsr-3462	170	5	answers	answer	NOUN
fsr-3462	170	6	is	be	AUX
fsr-3462	170	7	thus	thus	ADV
fsr-3462	170	8	the	the	DET
fsr-3462	170	9	actual	actual	ADJ
fsr-3462	170	10	level	level	NOUN
fsr-3462	170	11	of	of	ADP
fsr-3462	170	12	financial	financial	ADJ
fsr-3462	170	13	literacy	literacy	NOUN
fsr-3462	170	14	(	(	PUNCT
fsr-3462	170	15	that	that	SCONJ
fsr-3462	170	16	we	we	PRON
fsr-3462	170	17	called	call	VERB
fsr-3462	170	18	financial	financial	ADJ
fsr-3462	170	19	literacy	literacy	NOUN
fsr-3462	170	20	rate	rate	NOUN
fsr-3462	170	21	)	)	PUNCT
fsr-3462	170	22	,	,	PUNCT
fsr-3462	170	23	as	as	SCONJ
fsr-3462	170	24	it	it	PRON
fsr-3462	170	25	is	be	AUX
fsr-3462	170	26	presented	present	VERB
fsr-3462	170	27	in	in	ADP
fsr-3462	170	28	most	most	ADJ
fsr-3462	170	29	of	of	ADP
fsr-3462	170	30	the	the	DET
fsr-3462	170	31	extant	extant	ADJ
fsr-3462	170	32	literature	literature	NOUN
fsr-3462	170	33	.	.	PUNCT
fsr-3462	171	1	we	we	PRON
fsr-3462	171	2	take	take	VERB
fsr-3462	171	3	particular	particular	ADJ
fsr-3462	171	4	interest	interest	NOUN
fsr-3462	171	5	in	in	ADP
fsr-3462	171	6	the	the	DET
fsr-3462	171	7	objective	objective	ADJ
fsr-3462	171	8	separation	separation	NOUN
fsr-3462	171	9	between	between	ADP
fsr-3462	171	10	correct	correct	ADJ
fsr-3462	171	11	,	,	PUNCT
fsr-3462	171	12	incorrect	incorrect	ADJ
fsr-3462	171	13	,	,	PUNCT
fsr-3462	171	14	and	and	CCONJ
fsr-3462	171	15	do	do	AUX
fsr-3462	171	16	not	not	PART
fsr-3462	171	17	know	know	VERB
fsr-3462	171	18	answers	answer	NOUN
fsr-3462	171	19	.	.	PUNCT
fsr-3462	172	1	therefore	therefore	ADV
fsr-3462	172	2	,	,	PUNCT
fsr-3462	172	3	we	we	PRON
fsr-3462	172	4	construct	construct	VERB
fsr-3462	172	5	the	the	DET
fsr-3462	172	6	variable	variable	ADJ
fsr-3462	172	7	total	total	ADJ
fsr-3462	172	8	number	number	NOUN
fsr-3462	172	9	of	of	ADP
fsr-3462	172	10	incorrect	incorrect	ADJ
fsr-3462	172	11	answers	answer	NOUN
fsr-3462	172	12	given	give	VERB
fsr-3462	172	13	by	by	ADP
fsr-3462	172	14	each	each	DET
fsr-3462	172	15	individual	individual	NOUN
fsr-3462	172	16	,	,	PUNCT
fsr-3462	172	17	and	and	CCONJ
fsr-3462	172	18	call	call	VERB
fsr-3462	172	19	it	it	PRON
fsr-3462	172	20	financial	financial	ADJ
fsr-3462	172	21	illiteracy	illiteracy	NOUN
fsr-3462	172	22	level	level	NOUN
fsr-3462	172	23	a.	a.	NOUN
fsr-3462	172	24	finally	finally	ADV
fsr-3462	172	25	,	,	PUNCT
fsr-3462	172	26	we	we	PRON
fsr-3462	172	27	construct	construct	VERB
fsr-3462	172	28	the	the	DET
fsr-3462	172	29	total	total	ADJ
fsr-3462	172	30	number	number	NOUN
fsr-3462	172	31	of	of	ADP
fsr-3462	172	32	answers	answer	NOUN
fsr-3462	172	33	under	under	ADP
fsr-3462	172	34	the	the	PRON
fsr-3462	172	35	do	do	AUX
fsr-3462	172	36	not	not	PART
fsr-3462	172	37	know	know	VERB
fsr-3462	172	38	category	category	NOUN
fsr-3462	172	39	.	.	PUNCT
fsr-3462	173	1	as	as	SCONJ
fsr-3462	173	2	noted	note	VERB
fsr-3462	173	3	earlier	early	ADV
fsr-3462	173	4	,	,	PUNCT
fsr-3462	173	5	we	we	PRON
fsr-3462	173	6	want	want	VERB
fsr-3462	173	7	to	to	PART
fsr-3462	173	8	emphasize	emphasize	VERB
fsr-3462	173	9	that	that	SCONJ
fsr-3462	173	10	answering	answer	VERB
fsr-3462	173	11	incorrectly	incorrectly	ADV
fsr-3462	173	12	is	be	AUX
fsr-3462	173	13	different	different	ADJ
fsr-3462	173	14	than	than	ADP
fsr-3462	173	15	answering	answer	VERB
fsr-3462	173	16	do	do	AUX
fsr-3462	173	17	not	not	PART
fsr-3462	173	18	know	know	VERB
fsr-3462	173	19	.	.	PUNCT
fsr-3462	174	1	correspondingly	correspondingly	ADV
fsr-3462	174	2	,	,	PUNCT
fsr-3462	174	3	answering	answer	VERB
fsr-3462	174	4	dnk	dnk	NOUN
fsr-3462	174	5	is	be	AUX
fsr-3462	174	6	labeled	label	VERB
fsr-3462	174	7	as	as	ADP
fsr-3462	174	8	financial	financial	ADJ
fsr-3462	174	9	illiteracy	illiteracy	NOUN
fsr-3462	174	10	level	level	PROPN
fsr-3462	174	11	b.	b.	PROPN
fsr-3462	175	1	we	we	PRON
fsr-3462	175	2	argue	argue	VERB
fsr-3462	175	3	that	that	SCONJ
fsr-3462	175	4	those	those	PRON
fsr-3462	175	5	answering	answer	VERB
fsr-3462	175	6	incorrectly	incorrectly	ADV
fsr-3462	175	7	(	(	PUNCT
fsr-3462	175	8	incorrect	incorrect	ADJ
fsr-3462	175	9	)	)	PUNCT
fsr-3462	175	10	have	have	AUX
fsr-3462	175	11	attempted	attempt	VERB
fsr-3462	175	12	to	to	PART
fsr-3462	175	13	answer	answer	VERB
fsr-3462	175	14	assuming	assume	VERB
fsr-3462	175	15	that	that	SCONJ
fsr-3462	175	16	they	they	PRON
fsr-3462	175	17	have	have	VERB
fsr-3462	175	18	an	an	DET
fsr-3462	175	19	adequate	adequate	ADJ
fsr-3462	175	20	level	level	NOUN
fsr-3462	175	21	of	of	ADP
fsr-3462	175	22	knowledge	knowledge	NOUN
fsr-3462	175	23	;	;	PUNCT
fsr-3462	175	24	however	however	ADV
fsr-3462	175	25	,	,	PUNCT
fsr-3462	175	26	clearly	clearly	ADV
fsr-3462	175	27	failing	fail	VERB
fsr-3462	175	28	to	to	PART
fsr-3462	175	29	achieve	achieve	VERB
fsr-3462	175	30	a	a	DET
fsr-3462	175	31	correct	correct	ADJ
fsr-3462	175	32	answer	answer	NOUN
fsr-3462	175	33	.	.	PUNCT
fsr-3462	176	1	on	on	ADP
fsr-3462	176	2	the	the	DET
fsr-3462	176	3	other	other	ADJ
fsr-3462	176	4	hand	hand	NOUN
fsr-3462	176	5	,	,	PUNCT
fsr-3462	176	6	those	those	PRON
fsr-3462	176	7	answering	answer	VERB
fsr-3462	176	8	i	i	PRON
fsr-3462	176	9	do	do	AUX
fsr-3462	176	10	not	not	PART
fsr-3462	176	11	know	know	VERB
fsr-3462	176	12	(	(	PUNCT
fsr-3462	176	13	dnk	dnk	NOUN
fsr-3462	176	14	)	)	PUNCT
fsr-3462	176	15	openly	openly	ADV
fsr-3462	176	16	acknowledge	acknowledge	VERB
fsr-3462	176	17	that	that	SCONJ
fsr-3462	176	18	they	they	PRON
fsr-3462	176	19	are	be	AUX
fsr-3462	176	20	not	not	PART
fsr-3462	176	21	prepared	prepared	ADJ
fsr-3462	176	22	to	to	PART
fsr-3462	176	23	even	even	ADV
fsr-3462	176	24	attempt	attempt	VERB
fsr-3462	176	25	answering	answer	VERB
fsr-3462	176	26	recognizing	recognize	VERB
fsr-3462	176	27	a	a	DET
fsr-3462	176	28	higher	high	ADJ
fsr-3462	176	29	level	level	NOUN
fsr-3462	176	30	of	of	ADP
fsr-3462	176	31	financial	financial	ADJ
fsr-3462	176	32	illiteracy	illiteracy	NOUN
fsr-3462	176	33	with	with	ADP
fsr-3462	176	34	no	no	DET
fsr-3462	176	35	fear	fear	NOUN
fsr-3462	176	36	to	to	PART
fsr-3462	176	37	state	state	VERB
fsr-3462	176	38	it	it	PRON
fsr-3462	176	39	as	as	ADP
fsr-3462	176	40	such	such	ADJ
fsr-3462	176	41	.	.	PUNCT
fsr-3462	177	1	the	the	DET
fsr-3462	177	2	fundamental	fundamental	ADJ
fsr-3462	177	3	difference	difference	NOUN
fsr-3462	177	4	is	be	AUX
fsr-3462	177	5	that	that	SCONJ
fsr-3462	177	6	the	the	DET
fsr-3462	177	7	dnk	dnk	NOUN
fsr-3462	177	8	group	group	NOUN
fsr-3462	177	9	may	may	AUX
fsr-3462	177	10	be	be	AUX
fsr-3462	177	11	less	less	ADV
fsr-3462	177	12	ready	ready	ADJ
fsr-3462	177	13	to	to	PART
fsr-3462	177	14	engage	engage	VERB
fsr-3462	177	15	in	in	ADP
fsr-3462	177	16	financial	financial	ADJ
fsr-3462	177	17	decision	decision	NOUN
fsr-3462	177	18	-	-	PUNCT
fsr-3462	177	19	making	make	VERB
fsr-3462	177	20	processes	process	NOUN
fsr-3462	177	21	,	,	PUNCT
fsr-3462	177	22	as	as	SCONJ
fsr-3462	177	23	their	their	PRON
fsr-3462	177	24	self	self	NOUN
fsr-3462	177	25	-	-	PUNCT
fsr-3462	177	26	awareness	awareness	NOUN
fsr-3462	177	27	indicates	indicate	VERB
fsr-3462	177	28	a	a	DET
fsr-3462	177	29	clear	clear	ADJ
fsr-3462	177	30	lack	lack	NOUN
fsr-3462	177	31	of	of	ADP
fsr-3462	177	32	preparation	preparation	NOUN
fsr-3462	177	33	.	.	PUNCT
fsr-3462	178	1	conversely	conversely	ADV
fsr-3462	178	2	,	,	PUNCT
fsr-3462	178	3	those	those	PRON
fsr-3462	178	4	responding	respond	VERB
fsr-3462	178	5	incorrectly	incorrectly	ADV
fsr-3462	178	6	(	(	PUNCT
fsr-3462	178	7	level	level	NOUN
fsr-3462	178	8	a	a	NOUN
fsr-3462	178	9	)	)	PUNCT
fsr-3462	178	10	implicitly	implicitly	ADV
fsr-3462	178	11	assume	assume	VERB
fsr-3462	178	12	knowing	know	VERB
fsr-3462	178	13	the	the	DET
fsr-3462	178	14	answer	answer	NOUN
fsr-3462	178	15	but	but	CCONJ
fsr-3462	178	16	failing	fail	VERB
fsr-3462	178	17	.	.	PUNCT
fsr-3462	179	1	the	the	DET
fsr-3462	179	2	potential	potential	ADJ
fsr-3462	179	3	implications	implication	NOUN
fsr-3462	179	4	of	of	ADP
fsr-3462	179	5	the	the	DET
fsr-3462	179	6	separation	separation	NOUN
fsr-3462	179	7	of	of	ADP
fsr-3462	179	8	answering	answer	VERB
fsr-3462	179	9	not	not	PART
fsr-3462	179	10	correctly	correctly	ADV
fsr-3462	179	11	into	into	ADP
fsr-3462	179	12	these	these	DET
fsr-3462	179	13	two	two	NUM
fsr-3462	179	14	distinctive	distinctive	ADJ
fsr-3462	179	15	groups	group	NOUN
fsr-3462	179	16	could	could	AUX
fsr-3462	179	17	be	be	AUX
fsr-3462	179	18	relevant	relevant	ADJ
fsr-3462	179	19	in	in	ADP
fsr-3462	179	20	understanding	understand	VERB
fsr-3462	179	21	the	the	DET
fsr-3462	179	22	implications	implication	NOUN
fsr-3462	179	23	of	of	ADP
fsr-3462	179	24	different	different	ADJ
fsr-3462	179	25	levels	level	NOUN
fsr-3462	179	26	of	of	ADP
fsr-3462	179	27	financial	financial	ADJ
fsr-3462	179	28	illiteracy	illiteracy	NOUN
fsr-3462	179	29	.	.	PUNCT
fsr-3462	180	1	we	we	PRON
fsr-3462	180	2	also	also	ADV
fsr-3462	180	3	g.	g.	PROPN
fsr-3462	180	4	barboza	barboza	PROPN
fsr-3462	180	5	et	et	PROPN
fsr-3462	180	6	al	al	PROPN
fsr-3462	180	7	.	.	PUNCT
fsr-3462	180	8	/	/	SYM
fsr-3462	180	9	financial	financial	ADJ
fsr-3462	180	10	services	service	NOUN
fsr-3462	180	11	review	review	VERB
fsr-3462	180	12	29	29	NUM
fsr-3462	180	13	(	(	PUNCT
fsr-3462	180	14	2021	2021	NUM
fsr-3462	180	15	)	)	PUNCT
fsr-3462	180	16	247–276	247–276	NUM
fsr-3462	180	17	257	257	NUM
fsr-3462	180	18	provide	provide	VERB
fsr-3462	180	19	a	a	DET
fsr-3462	180	20	decomposition	decomposition	NOUN
fsr-3462	180	21	of	of	ADP
fsr-3462	180	22	answers	answer	NOUN
fsr-3462	180	23	(	(	PUNCT
fsr-3462	180	24	under	under	ADP
fsr-3462	180	25	the	the	DET
fsr-3462	180	26	three	three	NUM
fsr-3462	180	27	categories	category	NOUN
fsr-3462	180	28	)	)	PUNCT
fsr-3462	180	29	by	by	ADP
fsr-3462	180	30	question	question	NOUN
fsr-3462	180	31	as	as	SCONJ
fsr-3462	180	32	these	these	PRON
fsr-3462	180	33	relate	relate	VERB
fsr-3462	180	34	to	to	ADP
fsr-3462	180	35	different	different	ADJ
fsr-3462	180	36	financial	financial	ADJ
fsr-3462	180	37	concepts	concept	NOUN
fsr-3462	180	38	.	.	PUNCT
fsr-3462	181	1	3.2	3.2	NUM
fsr-3462	181	2	.	.	PUNCT
fsr-3462	182	1	descriptive	descriptive	ADJ
fsr-3462	182	2	statistics	statistic	NOUN
fsr-3462	182	3	table	table	NOUN
fsr-3462	182	4	1	1	NUM
fsr-3462	182	5	presents	present	VERB
fsr-3462	182	6	a	a	DET
fsr-3462	182	7	summary	summary	NOUN
fsr-3462	182	8	of	of	ADP
fsr-3462	182	9	results	result	NOUN
fsr-3462	182	10	from	from	ADP
fsr-3462	182	11	the	the	DET
fsr-3462	182	12	questionnaire	questionnaire	NOUN
fsr-3462	182	13	.	.	PUNCT
fsr-3462	183	1	these	these	DET
fsr-3462	183	2	results	result	NOUN
fsr-3462	183	3	indicate	indicate	VERB
fsr-3462	183	4	that	that	SCONJ
fsr-3462	183	5	a	a	DET
fsr-3462	183	6	large	large	ADJ
fsr-3462	183	7	majority	majority	NOUN
fsr-3462	183	8	of	of	ADP
fsr-3462	183	9	individuals	individual	NOUN
fsr-3462	183	10	answer	answer	VERB
fsr-3462	183	11	correctly	correctly	ADV
fsr-3462	183	12	questions	question	NOUN
fsr-3462	183	13	on	on	ADP
fsr-3462	183	14	compound	compound	NOUN
fsr-3462	183	15	interest	interest	NOUN
fsr-3462	183	16	,	,	PUNCT
fsr-3462	183	17	inflation	inflation	NOUN
fsr-3462	183	18	and	and	CCONJ
fsr-3462	183	19	purchasing	purchasing	NOUN
fsr-3462	183	20	power	power	NOUN
fsr-3462	183	21	.	.	PUNCT
fsr-3462	184	1	a	a	DET
fsr-3462	184	2	large	large	ADJ
fsr-3462	184	3	number	number	NOUN
fsr-3462	184	4	of	of	ADP
fsr-3462	184	5	students	student	NOUN
fsr-3462	184	6	were	be	AUX
fsr-3462	184	7	not	not	PART
fsr-3462	184	8	capable	capable	ADJ
fsr-3462	184	9	of	of	ADP
fsr-3462	184	10	answering	answer	VERB
fsr-3462	184	11	correctly	correctly	ADV
fsr-3462	184	12	the	the	DET
fsr-3462	184	13	question	question	NOUN
fsr-3462	184	14	regarding	regard	VERB
fsr-3462	184	15	inheritance	inheritance	NOUN
fsr-3462	184	16	.	.	PUNCT
fsr-3462	185	1	in	in	ADP
fsr-3462	185	2	terms	term	NOUN
fsr-3462	185	3	of	of	ADP
fsr-3462	185	4	the	the	DET
fsr-3462	185	5	inflation	inflation	NOUN
fsr-3462	185	6	question	question	NOUN
fsr-3462	185	7	,	,	PUNCT
fsr-3462	185	8	a	a	DET
fsr-3462	185	9	relative	relative	ADJ
fsr-3462	185	10	similar	similar	ADJ
fsr-3462	185	11	proportion	proportion	NOUN
fsr-3462	185	12	of	of	ADP
fsr-3462	185	13	individuals	individual	NOUN
fsr-3462	185	14	answer	answer	VERB
fsr-3462	185	15	dnk	dnk	ADV
fsr-3462	185	16	or	or	CCONJ
fsr-3462	185	17	incorrectly	incorrectly	ADV
fsr-3462	185	18	.	.	PUNCT
fsr-3462	186	1	for	for	ADP
fsr-3462	186	2	the	the	DET
fsr-3462	186	3	risk	risk	NOUN
fsr-3462	186	4	question	question	NOUN
fsr-3462	186	5	a	a	DET
fsr-3462	186	6	significant	significant	ADJ
fsr-3462	186	7	number	number	NOUN
fsr-3462	186	8	of	of	ADP
fsr-3462	186	9	students	student	NOUN
fsr-3462	186	10	responded	respond	VERB
fsr-3462	186	11	dnk	dnk	NOUN
fsr-3462	186	12	.	.	PUNCT
fsr-3462	187	1	in	in	ADP
fsr-3462	187	2	general	general	ADJ
fsr-3462	187	3	,	,	PUNCT
fsr-3462	187	4	the	the	DET
fsr-3462	187	5	data	datum	NOUN
fsr-3462	187	6	appears	appear	VERB
fsr-3462	187	7	to	to	PART
fsr-3462	187	8	indicate	indicate	VERB
fsr-3462	187	9	that	that	DET
fsr-3462	187	10	dnk	dnk	NOUN
fsr-3462	187	11	answering	answer	VERB
fsr-3462	187	12	is	be	AUX
fsr-3462	187	13	a	a	DET
fsr-3462	187	14	prevalent	prevalent	ADJ
fsr-3462	187	15	issue	issue	NOUN
fsr-3462	187	16	.	.	PUNCT
fsr-3462	188	1	in	in	ADP
fsr-3462	188	2	addition	addition	NOUN
fsr-3462	188	3	,	,	PUNCT
fsr-3462	188	4	a	a	DET
fsr-3462	188	5	large	large	ADJ
fsr-3462	188	6	number	number	NOUN
fsr-3462	188	7	of	of	ADP
fsr-3462	188	8	student	student	NOUN
fsr-3462	188	9	answer	answer	NOUN
fsr-3462	188	10	incorrectly	incorrectly	ADV
fsr-3462	188	11	.	.	PUNCT
fsr-3462	189	1	the	the	DET
fsr-3462	189	2	combination	combination	NOUN
fsr-3462	189	3	of	of	ADP
fsr-3462	189	4	both	both	DET
fsr-3462	189	5	levels	level	NOUN
fsr-3462	189	6	of	of	ADP
fsr-3462	189	7	financial	financial	ADJ
fsr-3462	189	8	illiteracy	illiteracy	NOUN
fsr-3462	189	9	confirms	confirm	VERB
fsr-3462	189	10	the	the	DET
fsr-3462	189	11	prevalence	prevalence	NOUN
fsr-3462	189	12	of	of	ADP
fsr-3462	189	13	wide	wide	ADJ
fsr-3462	189	14	spread	spread	ADJ
fsr-3462	189	15	lack	lack	NOUN
fsr-3462	189	16	of	of	ADP
fsr-3462	189	17	financial	financial	ADJ
fsr-3462	189	18	knowledge	knowledge	NOUN
fsr-3462	189	19	.	.	PUNCT
fsr-3462	190	1	when	when	SCONJ
fsr-3462	190	2	we	we	PRON
fsr-3462	190	3	look	look	VERB
fsr-3462	190	4	at	at	ADP
fsr-3462	190	5	the	the	DET
fsr-3462	190	6	cumulative	cumulative	ADJ
fsr-3462	190	7	answering	answering	NOUN
fsr-3462	190	8	(	(	PUNCT
fsr-3462	190	9	see	see	VERB
fsr-3462	190	10	table	table	NOUN
fsr-3462	190	11	2	2	NUM
fsr-3462	190	12	,	,	PUNCT
fsr-3462	190	13	below	below	ADV
fsr-3462	190	14	)	)	PUNCT
fsr-3462	190	15	,	,	PUNCT
fsr-3462	190	16	we	we	PRON
fsr-3462	190	17	observe	observe	VERB
fsr-3462	190	18	that	that	SCONJ
fsr-3462	190	19	5	5	NUM
fsr-3462	190	20	%	%	NOUN
fsr-3462	190	21	of	of	ADP
fsr-3462	190	22	the	the	DET
fsr-3462	190	23	population	population	NOUN
fsr-3462	190	24	are	be	AUX
fsr-3462	190	25	not	not	PART
fsr-3462	190	26	capable	capable	ADJ
fsr-3462	190	27	of	of	ADP
fsr-3462	190	28	answering	answer	VERB
fsr-3462	190	29	any	any	DET
fsr-3462	190	30	question	question	NOUN
fsr-3462	190	31	correctly	correctly	ADV
fsr-3462	190	32	.	.	PUNCT
fsr-3462	191	1	by	by	ADP
fsr-3462	191	2	the	the	DET
fsr-3462	191	3	same	same	ADJ
fsr-3462	191	4	token	token	NOUN
fsr-3462	191	5	,	,	PUNCT
fsr-3462	191	6	only	only	ADV
fsr-3462	191	7	12	12	NUM
fsr-3462	191	8	%	%	NOUN
fsr-3462	191	9	of	of	ADP
fsr-3462	191	10	the	the	DET
fsr-3462	191	11	individuals	individual	NOUN
fsr-3462	191	12	are	be	AUX
fsr-3462	191	13	capable	capable	ADJ
fsr-3462	191	14	of	of	ADP
fsr-3462	191	15	answering	answer	VERB
fsr-3462	191	16	all	all	DET
fsr-3462	191	17	questions	question	NOUN
fsr-3462	191	18	correctly	correctly	ADV
fsr-3462	191	19	.	.	PUNCT
fsr-3462	192	1	in	in	ADP
fsr-3462	192	2	addition	addition	NOUN
fsr-3462	192	3	,	,	PUNCT
fsr-3462	192	4	a	a	DET
fsr-3462	192	5	large	large	ADJ
fsr-3462	192	6	proportion	proportion	NOUN
fsr-3462	192	7	of	of	ADP
fsr-3462	192	8	individuals	individual	NOUN
fsr-3462	192	9	answer	answer	VERB
fsr-3462	192	10	dnk	dnk	NOUN
fsr-3462	192	11	to	to	ADP
fsr-3462	192	12	one	one	NUM
fsr-3462	192	13	and	and	CCONJ
fsr-3462	192	14	two	two	NUM
fsr-3462	192	15	questions	question	NOUN
fsr-3462	192	16	.	.	PUNCT
fsr-3462	193	1	when	when	SCONJ
fsr-3462	193	2	combined	combine	VERB
fsr-3462	193	3	with	with	ADP
fsr-3462	193	4	those	those	PRON
fsr-3462	193	5	also	also	ADV
fsr-3462	193	6	answering	answer	VERB
fsr-3462	193	7	incorrectly	incorrectly	ADV
fsr-3462	193	8	one	one	NUM
fsr-3462	193	9	to	to	ADP
fsr-3462	193	10	two	two	NUM
fsr-3462	193	11	questions	question	NOUN
fsr-3462	193	12	,	,	PUNCT
fsr-3462	193	13	we	we	PRON
fsr-3462	193	14	are	be	AUX
fsr-3462	193	15	able	able	ADJ
fsr-3462	193	16	to	to	PART
fsr-3462	193	17	observe	observe	VERB
fsr-3462	193	18	a	a	DET
fsr-3462	193	19	large	large	ADJ
fsr-3462	193	20	proportion	proportion	NOUN
fsr-3462	193	21	of	of	ADP
fsr-3462	193	22	the	the	DET
fsr-3462	193	23	population	population	NOUN
fsr-3462	193	24	struggling	struggle	VERB
fsr-3462	193	25	with	with	ADP
fsr-3462	193	26	about	about	ADV
fsr-3462	193	27	50	50	NUM
fsr-3462	193	28	%	%	NOUN
fsr-3462	193	29	of	of	ADP
fsr-3462	193	30	the	the	DET
fsr-3462	193	31	questions	question	NOUN
fsr-3462	193	32	asked	ask	VERB
fsr-3462	193	33	.	.	PUNCT
fsr-3462	194	1	in	in	ADP
fsr-3462	194	2	general	general	ADJ
fsr-3462	194	3	,	,	PUNCT
fsr-3462	194	4	this	this	DET
fsr-3462	194	5	evidence	evidence	NOUN
fsr-3462	194	6	indicates	indicate	VERB
fsr-3462	194	7	that	that	SCONJ
fsr-3462	194	8	financial	financial	ADJ
fsr-3462	194	9	illiteracy	illiteracy	NOUN
fsr-3462	194	10	is	be	AUX
fsr-3462	194	11	highly	highly	ADV
fsr-3462	194	12	present	present	ADJ
fsr-3462	194	13	among	among	ADP
fsr-3462	194	14	the	the	DET
fsr-3462	194	15	population	population	NOUN
fsr-3462	194	16	under	under	ADP
fsr-3462	194	17	study	study	NOUN
fsr-3462	194	18	.	.	PUNCT
fsr-3462	195	1	this	this	DET
fsr-3462	195	2	statistic	statistic	NOUN
fsr-3462	195	3	is	be	AUX
fsr-3462	195	4	in	in	ADP
fsr-3462	195	5	line	line	NOUN
fsr-3462	195	6	with	with	ADP
fsr-3462	195	7	previous	previous	ADJ
fsr-3462	195	8	literature	literature	NOUN
fsr-3462	195	9	and	and	CCONJ
fsr-3462	195	10	with	with	ADP
fsr-3462	195	11	most	most	ADJ
fsr-3462	195	12	recent	recent	ADJ
fsr-3462	195	13	valuations	valuation	NOUN
fsr-3462	195	14	made	make	VERB
fsr-3462	195	15	across	across	ADP
fsr-3462	195	16	the	the	DET
fsr-3462	195	17	u.s	u.s	PROPN
fsr-3462	195	18	.	.	PROPN
fsr-3462	195	19	population	population	NOUN
fsr-3462	195	20	(	(	PUNCT
fsr-3462	195	21	see	see	VERB
fsr-3462	195	22	lusardi	lusardi	PROPN
fsr-3462	195	23	&	&	CCONJ
fsr-3462	195	24	mitchell	mitchell	PROPN
fsr-3462	195	25	2014	2014	NUM
fsr-3462	195	26	)	)	PUNCT
fsr-3462	195	27	.	.	PUNCT
fsr-3462	196	1	table	table	NOUN
fsr-3462	196	2	3	3	NUM
fsr-3462	196	3	disassembles	disassemble	VERB
fsr-3462	196	4	financial	financial	ADJ
fsr-3462	196	5	literacy	literacy	NOUN
fsr-3462	196	6	rate	rate	NOUN
fsr-3462	196	7	by	by	ADP
fsr-3462	196	8	demographics	demographic	NOUN
fsr-3462	196	9	.	.	PUNCT
fsr-3462	197	1	the	the	DET
fsr-3462	197	2	interpretation	interpretation	NOUN
fsr-3462	197	3	of	of	ADP
fsr-3462	197	4	the	the	DET
fsr-3462	197	5	results	result	NOUN
fsr-3462	197	6	thus	thus	ADV
fsr-3462	197	7	indicates	indicate	VERB
fsr-3462	197	8	that	that	SCONJ
fsr-3462	197	9	females	female	NOUN
fsr-3462	197	10	are	be	AUX
fsr-3462	197	11	more	more	ADV
fsr-3462	197	12	likely	likely	ADJ
fsr-3462	197	13	to	to	PART
fsr-3462	197	14	answer	answer	VERB
fsr-3462	197	15	correctly	correctly	ADV
fsr-3462	197	16	since	since	SCONJ
fsr-3462	197	17	people	people	NOUN
fsr-3462	197	18	able	able	ADJ
fsr-3462	197	19	to	to	PART
fsr-3462	197	20	provide	provide	VERB
fsr-3462	197	21	five	five	NUM
fsr-3462	197	22	correct	correct	ADJ
fsr-3462	197	23	answers	answer	NOUN
fsr-3462	197	24	are	be	AUX
fsr-3462	197	25	mainly	mainly	ADV
fsr-3462	197	26	females	female	NOUN
fsr-3462	197	27	(	(	PUNCT
fsr-3462	197	28	62.5	62.5	NUM
fsr-3462	197	29	%	%	NOUN
fsr-3462	197	30	)	)	PUNCT
fsr-3462	197	31	;	;	PUNCT
fsr-3462	197	32	this	this	PRON
fsr-3462	197	33	is	be	AUX
fsr-3462	197	34	a	a	DET
fsr-3462	197	35	result	result	NOUN
fsr-3462	197	36	that	that	PRON
fsr-3462	197	37	contradicts	contradict	VERB
fsr-3462	197	38	the	the	DET
fsr-3462	197	39	empirical	empirical	ADJ
fsr-3462	197	40	evidence	evidence	NOUN
fsr-3462	197	41	found	find	VERB
fsr-3462	197	42	in	in	ADP
fsr-3462	197	43	the	the	DET
fsr-3462	197	44	literature	literature	NOUN
fsr-3462	197	45	for	for	ADP
fsr-3462	197	46	the	the	DET
fsr-3462	197	47	united	united	PROPN
fsr-3462	197	48	states	states	PROPN
fsr-3462	197	49	(	(	PUNCT
fsr-3462	197	50	borden	borden	PROPN
fsr-3462	197	51	et	et	PROPN
fsr-3462	197	52	al	al	PROPN
fsr-3462	197	53	.	.	PROPN
fsr-3462	197	54	2008	2008	NUM
fsr-3462	197	55	;	;	PUNCT
fsr-3462	198	1	chen	chen	PROPN
fsr-3462	198	2	&	&	CCONJ
fsr-3462	198	3	volpe	volpe	PROPN
fsr-3462	198	4	,	,	PUNCT
fsr-3462	198	5	2002	2002	NUM
fsr-3462	198	6	;	;	PUNCT
fsr-3462	198	7	danes	dane	NOUN
fsr-3462	198	8	&	&	CCONJ
fsr-3462	198	9	tahira	tahira	PROPN
fsr-3462	198	10	,	,	PUNCT
fsr-3462	198	11	1987	1987	NUM
fsr-3462	198	12	;	;	PUNCT
fsr-3462	198	13	lusardi	lusardi	NOUN
fsr-3462	198	14	,	,	PUNCT
fsr-3462	198	15	table	table	NOUN
fsr-3462	198	16	2	2	NUM
fsr-3462	198	17	financial	financial	ADJ
fsr-3462	198	18	(	(	PUNCT
fsr-3462	198	19	il)literacy	il)literacy	NOUN
fsr-3462	198	20	indicators	indicator	NOUN
fsr-3462	198	21	(	(	PUNCT
fsr-3462	198	22	total	total	ADJ
fsr-3462	198	23	answers	answer	NOUN
fsr-3462	198	24	)	)	PUNCT
fsr-3462	198	25	no	no	INTJ
fsr-3462	198	26	.	.	NOUN
fsr-3462	199	1	of	of	ADP
fsr-3462	199	2	answers	answer	NOUN
fsr-3462	199	3	correct	correct	ADJ
fsr-3462	199	4	do	do	AUX
fsr-3462	199	5	not	not	PART
fsr-3462	199	6	know	know	VERB
fsr-3462	199	7	incorrect	incorrect	ADJ
fsr-3462	199	8	0	0	NUM
fsr-3462	199	9	4.9	4.9	NUM
fsr-3462	199	10	%	%	NOUN
fsr-3462	199	11	52.9	52.9	NUM
fsr-3462	199	12	%	%	NOUN
fsr-3462	199	13	22.1	22.1	NUM
fsr-3462	199	14	%	%	NOUN
fsr-3462	199	15	1	1	NUM
fsr-3462	199	16	10.0	10.0	NUM
fsr-3462	199	17	%	%	NOUN
fsr-3462	199	18	31.4	31.4	NUM
fsr-3462	199	19	%	%	NOUN
fsr-3462	199	20	41.9	41.9	NUM
fsr-3462	199	21	%	%	NOUN
fsr-3462	199	22	2	2	NUM
fsr-3462	199	23	18.0	18.0	NUM
fsr-3462	199	24	%	%	NOUN
fsr-3462	199	25	9.2	9.2	NUM
fsr-3462	199	26	%	%	NOUN
fsr-3462	199	27	25.9	25.9	NUM
fsr-3462	199	28	%	%	NOUN
fsr-3462	199	29	3	3	NUM
fsr-3462	199	30	27.4	27.4	NUM
fsr-3462	199	31	%	%	NOUN
fsr-3462	199	32	3.1	3.1	NUM
fsr-3462	199	33	%	%	NOUN
fsr-3462	199	34	7.6	7.6	NUM
fsr-3462	199	35	%	%	NOUN
fsr-3462	199	36	4	4	NUM
fsr-3462	199	37	27.7	27.7	NUM
fsr-3462	199	38	%	%	NOUN
fsr-3462	199	39	2.2	2.2	NUM
fsr-3462	199	40	%	%	NOUN
fsr-3462	199	41	1.5	1.5	NUM
fsr-3462	199	42	%	%	NOUN
fsr-3462	199	43	5	5	NUM
fsr-3462	199	44	11.9	11.9	NUM
fsr-3462	199	45	%	%	NOUN
fsr-3462	199	46	1.0	1.0	NUM
fsr-3462	199	47	%	%	NOUN
fsr-3462	199	48	1.0	1.0	NUM
fsr-3462	199	49	%	%	NOUN
fsr-3462	199	50	table	table	NOUN
fsr-3462	199	51	1	1	NUM
fsr-3462	199	52	financial	financial	ADJ
fsr-3462	199	53	(	(	PUNCT
fsr-3462	199	54	il)literacy	il)literacy	NOUN
fsr-3462	199	55	indicators	indicator	NOUN
fsr-3462	199	56	per	per	ADP
fsr-3462	199	57	question	question	NOUN
fsr-3462	199	58	correct	correct	ADJ
fsr-3462	199	59	do	do	AUX
fsr-3462	199	60	not	not	PART
fsr-3462	199	61	know	know	VERB
fsr-3462	199	62	incorrect	incorrect	ADJ
fsr-3462	199	63	compound	compound	NOUN
fsr-3462	199	64	interest	interest	NOUN
fsr-3462	199	65	70.3	70.3	NUM
fsr-3462	199	66	%	%	NOUN
fsr-3462	199	67	6.0	6.0	NUM
fsr-3462	199	68	%	%	NOUN
fsr-3462	199	69	23.7	23.7	NUM
fsr-3462	199	70	%	%	NOUN
fsr-3462	199	71	inflation	inflation	NOUN
fsr-3462	199	72	66.8	66.8	NUM
fsr-3462	199	73	%	%	NOUN
fsr-3462	199	74	16.1	16.1	NUM
fsr-3462	199	75	%	%	NOUN
fsr-3462	199	76	17.1	17.1	NUM
fsr-3462	199	77	%	%	NOUN
fsr-3462	199	78	inheritance	inheritance	NOUN
fsr-3462	199	79	33.5	33.5	NUM
fsr-3462	199	80	%	%	NOUN
fsr-3462	199	81	3.1	3.1	NUM
fsr-3462	199	82	%	%	NOUN
fsr-3462	199	83	63.3	63.3	NUM
fsr-3462	199	84	%	%	NOUN
fsr-3462	199	85	purchasing	purchasing	NOUN
fsr-3462	199	86	power	power	NOUN
fsr-3462	199	87	77.2	77.2	NUM
fsr-3462	199	88	%	%	NOUN
fsr-3462	199	89	8.2	8.2	NUM
fsr-3462	199	90	%	%	NOUN
fsr-3462	199	91	14.6	14.6	NUM
fsr-3462	199	92	%	%	NOUN
fsr-3462	199	93	risk	risk	NOUN
fsr-3462	199	94	51.0	51.0	NUM
fsr-3462	199	95	%	%	NOUN
fsr-3462	199	96	40.1	40.1	NUM
fsr-3462	199	97	%	%	NOUN
fsr-3462	199	98	8.9	8.9	NUM
fsr-3462	199	99	%	%	NOUN
fsr-3462	199	100	258	258	NUM
fsr-3462	199	101	g.	g.	PROPN
fsr-3462	199	102	barboza	barboza	PROPN
fsr-3462	199	103	et	et	PROPN
fsr-3462	199	104	al	al	PROPN
fsr-3462	199	105	.	.	PUNCT
fsr-3462	199	106	/	/	SYM
fsr-3462	199	107	financial	financial	ADJ
fsr-3462	199	108	services	service	NOUN
fsr-3462	199	109	review	review	VERB
fsr-3462	199	110	29	29	NUM
fsr-3462	199	111	(	(	PUNCT
fsr-3462	199	112	2021	2021	NUM
fsr-3462	199	113	)	)	PUNCT
fsr-3462	199	114	247–276	247–276	NUM
fsr-3462	199	115	mitchell	mitchell	NOUN
fsr-3462	199	116	,	,	PUNCT
fsr-3462	199	117	&	&	CCONJ
fsr-3462	199	118	curto	curto	PROPN
fsr-3462	199	119	,	,	PUNCT
fsr-3462	199	120	2010	2010	NUM
fsr-3462	199	121	;	;	PUNCT
fsr-3462	199	122	markovich	markovich	PROPN
fsr-3462	199	123	&	&	CCONJ
fsr-3462	199	124	devaney	devaney	PROPN
fsr-3462	199	125	,	,	PUNCT
fsr-3462	199	126	1997	1997	NUM
fsr-3462	199	127	)	)	PUNCT
fsr-3462	199	128	where	where	SCONJ
fsr-3462	199	129	it	it	PRON
fsr-3462	199	130	is	be	AUX
fsr-3462	199	131	argued	argue	VERB
fsr-3462	199	132	that	that	SCONJ
fsr-3462	199	133	females	female	NOUN
fsr-3462	199	134	possess	possess	VERB
fsr-3462	199	135	lower	low	ADJ
fsr-3462	199	136	levels	level	NOUN
fsr-3462	199	137	of	of	ADP
fsr-3462	199	138	financial	financial	ADJ
fsr-3462	199	139	literacy	literacy	NOUN
fsr-3462	199	140	.	.	PUNCT
fsr-3462	200	1	however	however	ADV
fsr-3462	200	2	,	,	PUNCT
fsr-3462	200	3	outside	outside	ADP
fsr-3462	200	4	the	the	DET
fsr-3462	200	5	united	united	PROPN
fsr-3462	200	6	states	states	PROPN
fsr-3462	200	7	,	,	PUNCT
fsr-3462	200	8	this	this	PRON
fsr-3462	200	9	is	be	AUX
fsr-3462	200	10	not	not	PART
fsr-3462	200	11	a	a	DET
fsr-3462	200	12	standard	standard	ADJ
fsr-3462	200	13	evidence	evidence	NOUN
fsr-3462	200	14	(	(	PUNCT
fsr-3462	200	15	bongini	bongini	PROPN
fsr-3462	200	16	et	et	PROPN
fsr-3462	200	17	al	al	PROPN
fsr-3462	200	18	,	,	PUNCT
fsr-3462	200	19	2016	2016	NUM
fsr-3462	200	20	;	;	PUNCT
fsr-3462	200	21	koshal	koshal	PROPN
fsr-3462	200	22	et	et	PROPN
fsr-3462	200	23	al	al	PROPN
fsr-3462	200	24	.	.	PROPN
fsr-3462	200	25	,	,	PUNCT
fsr-3462	200	26	2008	2008	NUM
fsr-3462	200	27	;	;	PUNCT
fsr-3462	200	28	wagland	wagland	PROPN
fsr-3462	200	29	&	&	CCONJ
fsr-3462	200	30	taylor	taylor	PROPN
fsr-3462	200	31	,	,	PUNCT
fsr-3462	200	32	2009	2009	NUM
fsr-3462	200	33	)	)	PUNCT
fsr-3462	200	34	when	when	SCONJ
fsr-3462	200	35	specifically	specifically	ADV
fsr-3462	200	36	studying	study	VERB
fsr-3462	200	37	business	business	NOUN
fsr-3462	200	38	students	student	NOUN
fsr-3462	200	39	.	.	PUNCT
fsr-3462	201	1	in	in	ADP
fsr-3462	201	2	addition	addition	NOUN
fsr-3462	201	3	,	,	PUNCT
fsr-3462	201	4	older	old	ADJ
fsr-3462	201	5	students	student	NOUN
fsr-3462	201	6	are	be	AUX
fsr-3462	201	7	more	more	ADV
fsr-3462	201	8	likely	likely	ADJ
fsr-3462	201	9	to	to	PART
fsr-3462	201	10	answer	answer	VERB
fsr-3462	201	11	correctly	correctly	ADV
fsr-3462	201	12	,	,	PUNCT
fsr-3462	201	13	as	as	ADV
fsr-3462	201	14	well	well	ADV
fsr-3462	201	15	as	as	ADP
fsr-3462	201	16	upper	upper	ADJ
fsr-3462	201	17	classmen	classman	NOUN
fsr-3462	201	18	or	or	CCONJ
fsr-3462	201	19	classwomen	classwoman	NOUN
fsr-3462	201	20	.	.	PUNCT
fsr-3462	202	1	among	among	ADP
fsr-3462	202	2	different	different	ADJ
fsr-3462	202	3	academic	academic	ADJ
fsr-3462	202	4	status	status	NOUN
fsr-3462	202	5	graduate	graduate	NOUN
fsr-3462	202	6	students	student	NOUN
fsr-3462	202	7	provide	provide	VERB
fsr-3462	202	8	at	at	ADV
fsr-3462	202	9	least	least	ADV
fsr-3462	202	10	three	three	NUM
fsr-3462	202	11	correct	correct	ADJ
fsr-3462	202	12	answers	answer	NOUN
fsr-3462	202	13	and	and	CCONJ
fsr-3462	202	14	the	the	DET
fsr-3462	202	15	33	33	NUM
fsr-3462	202	16	%	%	NOUN
fsr-3462	202	17	of	of	ADP
fsr-3462	202	18	students	student	NOUN
fsr-3462	202	19	answers	answer	VERB
fsr-3462	202	20	correctly	correctly	ADV
fsr-3462	202	21	to	to	ADP
fsr-3462	202	22	all	all	DET
fsr-3462	202	23	the	the	DET
fsr-3462	202	24	financial	financial	ADJ
fsr-3462	202	25	literacy	literacy	NOUN
fsr-3462	202	26	questions	question	NOUN
fsr-3462	202	27	.	.	PUNCT
fsr-3462	203	1	this	this	DET
fsr-3462	203	2	interpretation	interpretation	NOUN
fsr-3462	203	3	of	of	ADP
fsr-3462	203	4	the	the	DET
fsr-3462	203	5	results	result	NOUN
fsr-3462	203	6	speaks	speak	VERB
fsr-3462	203	7	in	in	ADP
fsr-3462	203	8	favor	favor	NOUN
fsr-3462	203	9	of	of	ADP
fsr-3462	203	10	the	the	DET
fsr-3462	203	11	educational	educational	ADJ
fsr-3462	203	12	process	process	NOUN
fsr-3462	203	13	.	.	PUNCT
fsr-3462	204	1	as	as	SCONJ
fsr-3462	204	2	expected	expect	VERB
fsr-3462	204	3	,	,	PUNCT
fsr-3462	204	4	one	one	PRON
fsr-3462	204	5	can	can	AUX
fsr-3462	204	6	argue	argue	VERB
fsr-3462	204	7	that	that	SCONJ
fsr-3462	204	8	attending	attend	VERB
fsr-3462	204	9	college	college	NOUN
fsr-3462	204	10	should	should	AUX
fsr-3462	204	11	increase	increase	VERB
fsr-3462	204	12	knowledge	knowledge	NOUN
fsr-3462	204	13	in	in	ADP
fsr-3462	204	14	field	field	NOUN
fsr-3462	204	15	specific	specific	ADJ
fsr-3462	204	16	subjects	subject	NOUN
fsr-3462	204	17	,	,	PUNCT
fsr-3462	204	18	financial	financial	ADJ
fsr-3462	204	19	literacy	literacy	NOUN
fsr-3462	204	20	being	be	AUX
fsr-3462	204	21	one	one	NUM
fsr-3462	204	22	of	of	ADP
fsr-3462	204	23	them	they	PRON
fsr-3462	204	24	.	.	PUNCT
fsr-3462	205	1	finally	finally	ADV
fsr-3462	205	2	,	,	PUNCT
fsr-3462	205	3	the	the	DET
fsr-3462	205	4	evidence	evidence	NOUN
fsr-3462	205	5	does	do	AUX
fsr-3462	205	6	indicate	indicate	VERB
fsr-3462	205	7	that	that	SCONJ
fsr-3462	205	8	minorities	minority	NOUN
fsr-3462	205	9	are	be	AUX
fsr-3462	205	10	at	at	ADP
fsr-3462	205	11	a	a	DET
fsr-3462	205	12	disadvantage	disadvantage	NOUN
fsr-3462	205	13	and	and	CCONJ
fsr-3462	205	14	more	more	ADV
fsr-3462	205	15	likely	likely	ADJ
fsr-3462	205	16	to	to	PART
fsr-3462	205	17	answer	answer	VERB
fsr-3462	205	18	incorrectly	incorrectly	ADV
fsr-3462	205	19	or	or	CCONJ
fsr-3462	205	20	do	do	AUX
fsr-3462	205	21	not	not	PART
fsr-3462	205	22	know	know	VERB
fsr-3462	205	23	.	.	PUNCT
fsr-3462	206	1	this	this	DET
fsr-3462	206	2	last	last	ADJ
fsr-3462	206	3	piece	piece	NOUN
fsr-3462	206	4	is	be	AUX
fsr-3462	206	5	in	in	ADP
fsr-3462	206	6	agreement	agreement	NOUN
fsr-3462	206	7	with	with	ADP
fsr-3462	206	8	the	the	DET
fsr-3462	206	9	extant	extant	ADJ
fsr-3462	206	10	literature	literature	NOUN
fsr-3462	206	11	.	.	PUNCT
fsr-3462	207	1	table	table	NOUN
fsr-3462	207	2	4	4	NUM
fsr-3462	207	3	below	below	ADP
fsr-3462	207	4	presents	present	VERB
fsr-3462	207	5	some	some	DET
fsr-3462	207	6	basic	basic	ADJ
fsr-3462	207	7	descriptive	descriptive	ADJ
fsr-3462	207	8	statistics	statistic	NOUN
fsr-3462	207	9	on	on	ADP
fsr-3462	207	10	the	the	DET
fsr-3462	207	11	variables	variable	NOUN
fsr-3462	207	12	used	use	VERB
fsr-3462	207	13	in	in	ADP
fsr-3462	207	14	the	the	DET
fsr-3462	207	15	empirical	empirical	ADJ
fsr-3462	207	16	estimation	estimation	NOUN
fsr-3462	207	17	section	section	NOUN
fsr-3462	207	18	.	.	PUNCT
fsr-3462	208	1	a	a	DET
fsr-3462	208	2	full	full	ADJ
fsr-3462	208	3	description	description	NOUN
fsr-3462	208	4	of	of	ADP
fsr-3462	208	5	each	each	DET
fsr-3462	208	6	variable	variable	NOUN
fsr-3462	208	7	and	and	CCONJ
fsr-3462	208	8	its	its	PRON
fsr-3462	208	9	corresponding	corresponding	ADJ
fsr-3462	208	10	coding	coding	NOUN
fsr-3462	208	11	could	could	AUX
fsr-3462	208	12	also	also	ADV
fsr-3462	208	13	be	be	AUX
fsr-3462	208	14	found	find	VERB
fsr-3462	208	15	there	there	ADV
fsr-3462	208	16	.	.	PUNCT
fsr-3462	209	1	with	with	ADP
fsr-3462	209	2	these	these	DET
fsr-3462	209	3	considerations	consideration	NOUN
fsr-3462	209	4	in	in	ADP
fsr-3462	209	5	mind	mind	NOUN
fsr-3462	209	6	,	,	PUNCT
fsr-3462	209	7	we	we	PRON
fsr-3462	209	8	then	then	ADV
fsr-3462	209	9	proceed	proceed	VERB
fsr-3462	209	10	to	to	PART
fsr-3462	209	11	outline	outline	VERB
fsr-3462	209	12	the	the	DET
fsr-3462	209	13	model	model	NOUN
fsr-3462	209	14	specification	specification	NOUN
fsr-3462	209	15	and	and	CCONJ
fsr-3462	209	16	the	the	DET
fsr-3462	209	17	corresponding	corresponding	ADJ
fsr-3462	209	18	model	model	NOUN
fsr-3462	209	19	estimations	estimation	NOUN
fsr-3462	209	20	expectations	expectation	NOUN
fsr-3462	209	21	and	and	CCONJ
fsr-3462	209	22	restrictions	restriction	NOUN
fsr-3462	209	23	.	.	PUNCT
fsr-3462	210	1	3.3	3.3	NUM
fsr-3462	210	2	.	.	PUNCT
fsr-3462	211	1	the	the	DET
fsr-3462	211	2	model	model	NOUN
fsr-3462	211	3	as	as	SCONJ
fsr-3462	211	4	we	we	PRON
fsr-3462	211	5	research	research	VERB
fsr-3462	211	6	the	the	DET
fsr-3462	211	7	effects	effect	NOUN
fsr-3462	211	8	of	of	ADP
fsr-3462	211	9	personal	personal	ADJ
fsr-3462	211	10	traits	trait	NOUN
fsr-3462	211	11	and	and	CCONJ
fsr-3462	211	12	financial	financial	ADJ
fsr-3462	211	13	literacy	literacy	NOUN
fsr-3462	211	14	on	on	ADP
fsr-3462	211	15	financial	financial	ADJ
fsr-3462	211	16	behavior	behavior	NOUN
fsr-3462	211	17	,	,	PUNCT
fsr-3462	211	18	the	the	DET
fsr-3462	211	19	basic	basic	ADJ
fsr-3462	211	20	model	model	NOUN
fsr-3462	211	21	description	description	NOUN
fsr-3462	211	22	has	have	VERB
fsr-3462	211	23	the	the	DET
fsr-3462	211	24	following	follow	VERB
fsr-3462	211	25	general	general	ADJ
fsr-3462	211	26	specification	specification	NOUN
fsr-3462	211	27	:	:	PUNCT
fsr-3462	211	28	y	y	PROPN
fsr-3462	211	29	�	�	PROPN
fsr-3462	211	30	i	i	PRON
fsr-3462	211	31	¼	¼	NOUN
fsr-3462	211	32	x	x	SYM
fsr-3462	211	33	0	0	NUM
fsr-3462	211	34	ib	ib	NOUN
fsr-3462	211	35	þ	þ	NOUN
fsr-3462	211	36	«	«	PUNCT
fsr-3462	211	37	i	i	PRON
fsr-3462	211	38	(	(	PUNCT
fsr-3462	211	39	1	1	NUM
fsr-3462	211	40	)	)	PUNCT
fsr-3462	211	41	where	where	SCONJ
fsr-3462	211	42	«	«	PUNCT
fsr-3462	211	43	i	i	PRON
fsr-3462	211	44	are	be	AUX
fsr-3462	211	45	assumed	assume	VERB
fsr-3462	211	46	independent	independent	ADJ
fsr-3462	211	47	and	and	CCONJ
fsr-3462	211	48	identically	identically	ADV
fsr-3462	211	49	distributed	distribute	VERB
fsr-3462	211	50	random	random	ADJ
fsr-3462	211	51	variables	variable	NOUN
fsr-3462	211	52	as	as	ADP
fsr-3462	211	53	usual	usual	ADJ
fsr-3462	211	54	,	,	PUNCT
fsr-3462	211	55	x	x	SYM
fsr-3462	211	56	0	0	X
fsr-3462	212	1	i	i	PRON
fsr-3462	212	2	is	be	AUX
fsr-3462	212	3	the	the	DET
fsr-3462	212	4	matrix	matrix	NOUN
fsr-3462	212	5	of	of	ADP
fsr-3462	212	6	explanatory	explanatory	ADJ
fsr-3462	212	7	variables	variable	NOUN
fsr-3462	212	8	(	(	PUNCT
fsr-3462	212	9	financial	financial	ADJ
fsr-3462	212	10	(	(	PUNCT
fsr-3462	212	11	il)literacy	il)literacy	NOUN
fsr-3462	212	12	and	and	CCONJ
fsr-3462	212	13	personality	personality	NOUN
fsr-3462	212	14	traits	trait	NOUN
fsr-3462	212	15	)	)	PUNCT
fsr-3462	212	16	,	,	PUNCT
fsr-3462	212	17	b	b	PROPN
fsr-3462	212	18	is	be	AUX
fsr-3462	212	19	the	the	DET
fsr-3462	212	20	vector	vector	NOUN
fsr-3462	212	21	of	of	ADP
fsr-3462	212	22	coefficients	coefficient	NOUN
fsr-3462	212	23	to	to	PART
fsr-3462	212	24	be	be	AUX
fsr-3462	212	25	estimated	estimate	VERB
fsr-3462	212	26	,	,	PUNCT
fsr-3462	212	27	and	and	CCONJ
fsr-3462	212	28	y	y	PROPN
fsr-3462	212	29	�	�	PROPN
fsr-3462	212	30	i	i	PRON
fsr-3462	212	31	is	be	AUX
fsr-3462	212	32	unobserved	unobserved	ADJ
fsr-3462	212	33	yet	yet	ADV
fsr-3462	212	34	described	describe	VERB
fsr-3462	212	35	by	by	ADP
fsr-3462	212	36	the	the	DET
fsr-3462	212	37	answers	answer	NOUN
fsr-3462	212	38	to	to	ADP
fsr-3462	212	39	our	our	PRON
fsr-3462	212	40	survey	survey	NOUN
fsr-3462	212	41	questions	question	NOUN
fsr-3462	212	42	relating	relate	VERB
fsr-3462	212	43	to	to	ADP
fsr-3462	212	44	credit	credit	NOUN
fsr-3462	212	45	card	card	NOUN
fsr-3462	212	46	repayment	repayment	NOUN
fsr-3462	212	47	habits	habit	NOUN
fsr-3462	212	48	.	.	PUNCT
fsr-3462	213	1	in	in	ADP
fsr-3462	213	2	fact	fact	NOUN
fsr-3462	213	3	,	,	PUNCT
fsr-3462	213	4	we	we	PRON
fsr-3462	213	5	code	code	VERB
fsr-3462	213	6	students	student	NOUN
fsr-3462	213	7	’	'	PUNCT
fsr-3462	213	8	responses	response	NOUN
fsr-3462	213	9	on	on	ADP
fsr-3462	213	10	credit	credit	NOUN
fsr-3462	213	11	card	card	NOUN
fsr-3462	213	12	repayment	repayment	NOUN
fsr-3462	213	13	capability	capability	NOUN
fsr-3462	213	14	using	use	VERB
fsr-3462	213	15	a	a	DET
fsr-3462	213	16	discrete	discrete	ADJ
fsr-3462	213	17	categorical	categorical	ADJ
fsr-3462	213	18	scale	scale	NOUN
fsr-3462	213	19	as	as	SCONJ
fsr-3462	213	20	follows	follow	VERB
fsr-3462	213	21	:	:	PUNCT
fsr-3462	213	22	1	1	NUM
fsr-3462	213	23	=	=	NOUN
fsr-3462	213	24	pay	pay	VERB
fsr-3462	213	25	if	if	SCONJ
fsr-3462	213	26	full	full	ADJ
fsr-3462	213	27	every	every	DET
fsr-3462	213	28	month	month	NOUN
fsr-3462	213	29	,	,	PUNCT
fsr-3462	213	30	2	2	NUM
fsr-3462	213	31	=	=	PUNCT
fsr-3462	213	32	pay	pay	VERB
fsr-3462	213	33	some	some	PRON
fsr-3462	213	34	in	in	ADP
fsr-3462	213	35	full	full	ADJ
fsr-3462	213	36	and	and	CCONJ
fsr-3462	213	37	other	other	ADJ
fsr-3462	213	38	only	only	ADJ
fsr-3462	213	39	table	table	NOUN
fsr-3462	213	40	3	3	NUM
fsr-3462	213	41	financial	financial	ADJ
fsr-3462	213	42	literacy	literacy	NOUN
fsr-3462	213	43	rate	rate	NOUN
fsr-3462	213	44	by	by	ADP
fsr-3462	213	45	demographics	demographic	NOUN
fsr-3462	213	46	financial	financial	ADJ
fsr-3462	213	47	literacy	literacy	NOUN
fsr-3462	213	48	rate	rate	NOUN
fsr-3462	213	49	gender	gender	NOUN
fsr-3462	213	50	mean	mean	VERB
fsr-3462	213	51	as	as	ADP
fsr-3462	213	52	mean	mean	VERB
fsr-3462	213	53	age	age	NOUN
fsr-3462	213	54	race	race	NOUN
fsr-3462	213	55	0	0	NUM
fsr-3462	213	56	0.333	0.333	NUM
fsr-3462	213	57	1.939	1.939	NUM
fsr-3462	213	58	20.152	20.152	NUM
fsr-3462	213	59	0.697	0.697	NUM
fsr-3462	213	60	0.2	0.2	NUM
fsr-3462	213	61	0.313	0.313	NUM
fsr-3462	213	62	2.119	2.119	NUM
fsr-3462	213	63	20.373	20.373	NUM
fsr-3462	213	64	0.731	0.731	NUM
fsr-3462	213	65	0.4	0.4	NUM
fsr-3462	213	66	0.430	0.430	NUM
fsr-3462	213	67	2.421	2.421	NUM
fsr-3462	213	68	20.554	20.554	NUM
fsr-3462	213	69	0.777	0.777	NUM
fsr-3462	213	70	0.6	0.6	NUM
fsr-3462	213	71	0.492	0.492	NUM
fsr-3462	213	72	2.415	2.415	NUM
fsr-3462	213	73	21.196	21.196	NUM
fsr-3462	213	74	0.837	0.837	NUM
fsr-3462	213	75	0.8	0.8	NUM
fsr-3462	213	76	0.478	0.478	NUM
fsr-3462	213	77	2.595	2.595	NUM
fsr-3462	213	78	21.978	21.978	NUM
fsr-3462	213	79	0.892	0.892	NUM
fsr-3462	213	80	1	1	NUM
fsr-3462	213	81	0.625	0.625	NUM
fsr-3462	213	82	2.838	2.838	NUM
fsr-3462	213	83	23.213	23.213	NUM
fsr-3462	213	84	0.938	0.938	NUM
fsr-3462	213	85	source	source	NOUN
fsr-3462	213	86	:	:	PUNCT
fsr-3462	213	87	demographic	demographic	ADJ
fsr-3462	213	88	variables	variable	NOUN
fsr-3462	213	89	are	be	AUX
fsr-3462	213	90	defined	define	VERB
fsr-3462	213	91	as	as	ADP
fsr-3462	213	92	follows	follow	VERB
fsr-3462	213	93	.	.	PUNCT
fsr-3462	214	1	gender	gender	NOUN
fsr-3462	214	2	g	g	PROPN
fsr-3462	214	3	is	be	AUX
fsr-3462	214	4	a	a	DET
fsr-3462	214	5	dummy	dummy	ADJ
fsr-3462	214	6	variable	variable	NOUN
fsr-3462	214	7	taking	take	VERB
fsr-3462	214	8	value	value	NOUN
fsr-3462	214	9	of	of	ADP
fsr-3462	214	10	1	1	NUM
fsr-3462	214	11	if	if	SCONJ
fsr-3462	214	12	female	female	ADJ
fsr-3462	214	13	and	and	CCONJ
fsr-3462	214	14	0	0	NUM
fsr-3462	214	15	otherwise	otherwise	ADV
fsr-3462	214	16	.	.	PUNCT
fsr-3462	215	1	academic	academic	ADJ
fsr-3462	215	2	status	status	NOUN
fsr-3462	215	3	-	-	PUNCT
fsr-3462	215	4	as	as	ADV
fsr-3462	215	5	is	be	AUX
fsr-3462	215	6	the	the	DET
fsr-3462	215	7	1	1	NUM
fsr-3462	215	8	=	=	NOUN
fsr-3462	215	9	freshman	freshman	NOUN
fsr-3462	215	10	,	,	PUNCT
fsr-3462	215	11	2	2	NUM
fsr-3462	215	12	=	=	SYM
fsr-3462	215	13	sophomore	sophomore	NOUN
fsr-3462	215	14	,	,	PUNCT
fsr-3462	215	15	3	3	NUM
fsr-3462	215	16	=	=	SYM
fsr-3462	215	17	junior	junior	NOUN
fsr-3462	215	18	,	,	PUNCT
fsr-3462	215	19	4	4	NUM
fsr-3462	215	20	=	=	SYM
fsr-3462	215	21	senior	senior	ADJ
fsr-3462	215	22	,	,	PUNCT
fsr-3462	215	23	and	and	CCONJ
fsr-3462	215	24	5	5	NUM
fsr-3462	215	25	=	=	NOUN
fsr-3462	215	26	grad	grad	ADJ
fsr-3462	215	27	student	student	NOUN
fsr-3462	215	28	.	.	PUNCT
fsr-3462	216	1	race	race	NOUN
fsr-3462	216	2	is	be	AUX
fsr-3462	216	3	1	1	NUM
fsr-3462	216	4	if	if	SCONJ
fsr-3462	216	5	white	white	ADJ
fsr-3462	216	6	and	and	CCONJ
fsr-3462	216	7	0	0	NUM
fsr-3462	216	8	if	if	SCONJ
fsr-3462	216	9	minority	minority	NOUN
fsr-3462	216	10	.	.	PUNCT
fsr-3462	217	1	age	age	NOUN
fsr-3462	217	2	is	be	AUX
fsr-3462	217	3	expressed	express	VERB
fsr-3462	217	4	in	in	ADP
fsr-3462	217	5	years	year	NOUN
fsr-3462	217	6	at	at	ADP
fsr-3462	217	7	the	the	DET
fsr-3462	217	8	time	time	NOUN
fsr-3462	217	9	of	of	ADP
fsr-3462	217	10	the	the	DET
fsr-3462	217	11	survey	survey	NOUN
fsr-3462	217	12	.	.	PUNCT
fsr-3462	218	1	flitrate	flitrate	NOUN
fsr-3462	218	2	is	be	AUX
fsr-3462	218	3	the	the	DET
fsr-3462	218	4	percentage	percentage	NOUN
fsr-3462	218	5	of	of	ADP
fsr-3462	218	6	correct	correct	ADJ
fsr-3462	218	7	answers	answer	NOUN
fsr-3462	218	8	provided	provide	VERB
fsr-3462	218	9	,	,	PUNCT
fsr-3462	218	10	based	base	VERB
fsr-3462	218	11	on	on	ADP
fsr-3462	218	12	a	a	DET
fsr-3462	218	13	five	five	NUM
fsr-3462	218	14	question	question	NOUN
fsr-3462	218	15	questionnaire	questionnaire	NOUN
fsr-3462	218	16	as	as	SCONJ
fsr-3462	218	17	presented	present	VERB
fsr-3462	218	18	in	in	ADP
fsr-3462	218	19	figure	figure	NOUN
fsr-3462	218	20	1	1	NUM
fsr-3462	218	21	.	.	PUNCT
fsr-3462	219	1	g.	g.	PROPN
fsr-3462	219	2	barboza	barboza	PROPN
fsr-3462	219	3	et	et	PROPN
fsr-3462	219	4	al	al	PROPN
fsr-3462	219	5	.	.	PUNCT
fsr-3462	219	6	/	/	SYM
fsr-3462	219	7	financial	financial	ADJ
fsr-3462	219	8	services	service	NOUN
fsr-3462	219	9	review	review	VERB
fsr-3462	219	10	29	29	NUM
fsr-3462	219	11	(	(	PUNCT
fsr-3462	219	12	2021	2021	NUM
fsr-3462	219	13	)	)	PUNCT
fsr-3462	219	14	247–276	247–276	NUM
fsr-3462	219	15	259	259	NUM
fsr-3462	219	16	t	t	PROPN
fsr-3462	219	17	ab	ab	PROPN
fsr-3462	219	18	le	le	PROPN
fsr-3462	219	19	4	4	NUM
fsr-3462	219	20	d	d	PROPN
fsr-3462	219	21	es	es	ADP
fsr-3462	219	22	cr	cr	ADP
fsr-3462	219	23	ip	ip	PROPN
fsr-3462	219	24	ti	ti	PROPN
fsr-3462	219	25	v	v	ADP
fsr-3462	219	26	e	e	PROPN
fsr-3462	219	27	st	st	PROPN
fsr-3462	219	28	at	at	ADP
fsr-3462	219	29	is	be	AUX
fsr-3462	219	30	ti	ti	X
fsr-3462	219	31	cs	cs	ADJ
fsr-3462	220	1	o	o	PROPN
fsr-3462	220	2	f	f	PROPN
fsr-3462	220	3	v	v	PROPN
fsr-3462	220	4	ar	ar	PROPN
fsr-3462	220	5	ia	ia	PROPN
fsr-3462	220	6	b	b	PROPN
fsr-3462	220	7	le	le	PROPN
fsr-3462	220	8	s	s	PROPN
fsr-3462	220	9	b	b	X
fsr-3462	220	10	y	y	PROPN
fsr-3462	220	11	ca	can	AUX
fsr-3462	220	12	te	te	VERB
fsr-3462	220	13	g	g	PROPN
fsr-3462	220	14	o	o	X
fsr-3462	221	1	ry	ry	INTJ
fsr-3462	221	2	,	,	PUNCT
fsr-3462	222	1	d	d	PROPN
fsr-3462	222	2	es	es	X
fsr-3462	222	3	cr	cr	ADV
fsr-3462	222	4	ip	ip	VERB
fsr-3462	222	5	ti	ti	X
fsr-3462	222	6	o	o	NOUN
fsr-3462	222	7	n	n	PROPN
fsr-3462	222	8	,	,	PUNCT
fsr-3462	222	9	an	an	DET
fsr-3462	222	10	d	d	X
fsr-3462	222	11	co	co	NOUN
fsr-3462	222	12	d	d	NOUN
fsr-3462	222	13	in	in	ADP
fsr-3462	222	14	g	g	PROPN
fsr-3462	222	15	c	c	PROPN
fsr-3462	222	16	at	at	ADP
fsr-3462	222	17	eg	eg	PROPN
fsr-3462	222	18	o	o	PROPN
fsr-3462	222	19	ry	ry	NOUN
fsr-3462	222	20	d	d	X
fsr-3462	222	21	es	es	ADP
fsr-3462	222	22	cr	cr	ADV
fsr-3462	222	23	ip	ip	VERB
fsr-3462	222	24	ti	ti	X
fsr-3462	222	25	o	o	NOUN
fsr-3462	223	1	n	n	NOUN
fsr-3462	224	1	c	c	NOUN
fsr-3462	224	2	o	o	X
fsr-3462	224	3	d	d	X
fsr-3462	224	4	e	e	X
fsr-3462	224	5	m	m	PROPN
fsr-3462	224	6	ed	ed	PROPN
fsr-3462	224	7	ia	ia	PROPN
fsr-3462	224	8	n	n	ADV
fsr-3462	224	9	m	m	VERB
fsr-3462	224	10	ea	ea	NOUN
fsr-3462	225	1	n	n	NUM
fsr-3462	225	2	s	s	NOUN
fsr-3462	225	3	d	d	NOUN
fsr-3462	225	4	m	m	VERB
fsr-3462	225	5	ax	ax	ADJ
fsr-3462	225	6	m	m	VERB
fsr-3462	225	7	in	in	ADP
fsr-3462	225	8	o	o	PROPN
fsr-3462	225	9	b	b	X
fsr-3462	225	10	s	s	X
fsr-3462	225	11	d	d	X
fsr-3462	225	12	em	em	PRON
fsr-3462	225	13	o	o	INTJ
fsr-3462	226	1	g	g	NOUN
fsr-3462	226	2	ra	ra	PROPN
fsr-3462	227	1	p	p	NOUN
fsr-3462	227	2	h	h	NOUN
fsr-3462	228	1	ic	ic	PROPN
fsr-3462	228	2	s	s	VERB
fsr-3462	228	3	a	a	DET
fsr-3462	228	4	ca	ca	NOUN
fsr-3462	229	1	d	d	NOUN
fsr-3462	229	2	em	em	PRON
fsr-3462	229	3	ic	ic	PROPN
fsr-3462	229	4	st	st	PROPN
fsr-3462	229	5	at	at	ADP
fsr-3462	229	6	u	u	PROPN
fsr-3462	229	7	s	s	PART
fsr-3462	229	8	(	(	PUNCT
fsr-3462	229	9	f	f	NOUN
fsr-3462	229	10	=	=	SYM
fsr-3462	229	11	1	1	NUM
fsr-3462	229	12	,	,	PUNCT
fsr-3462	229	13	s	s	NOUN
fsr-3462	229	14	=	=	SYM
fsr-3462	229	15	2	2	NUM
fsr-3462	229	16	,	,	PUNCT
fsr-3462	229	17	j	j	PROPN
fsr-3462	230	1	=	=	SYM
fsr-3462	230	2	3	3	NUM
fsr-3462	230	3	,	,	PUNCT
fsr-3462	230	4	s	s	NOUN
fsr-3462	230	5	r	r	NOUN
fsr-3462	230	6	=	=	SYM
fsr-3462	230	7	4	4	NUM
fsr-3462	230	8	,	,	PUNCT
fsr-3462	230	9	g	g	PROPN
fsr-3462	230	10	ra	ra	PROPN
fsr-3462	231	1	d	d	NOUN
fsr-3462	231	2	=	=	SYM
fsr-3462	231	3	5	5	X
fsr-3462	231	4	)	)	PUNCT
fsr-3462	231	5	a	a	DET
fsr-3462	231	6	s	s	NUM
fsr-3462	231	7	3	3	NUM
fsr-3462	231	8	2	2	NUM
fsr-3462	231	9	.6	.6	NUM
fsr-3462	231	10	7	7	NUM
fsr-3462	231	11	3	3	NUM
fsr-3462	231	12	1	1	NUM
fsr-3462	231	13	.3	.3	NUM
fsr-3462	231	14	1	1	NUM
fsr-3462	231	15	1	1	NUM
fsr-3462	231	16	5	5	NUM
fsr-3462	231	17	1	1	NUM
fsr-3462	231	18	1	1	NUM
fsr-3462	231	19	5	5	NUM
fsr-3462	231	20	6	6	NUM
fsr-3462	231	21	g	g	NOUN
fsr-3462	231	22	en	en	PROPN
fsr-3462	231	23	d	d	X
fsr-3462	231	24	er	er	INTJ
fsr-3462	231	25	(	(	PUNCT
fsr-3462	231	26	f	f	NOUN
fsr-3462	231	27	em	em	PROPN
fsr-3462	232	1	al	al	PROPN
fsr-3462	232	2	e	e	PROPN
fsr-3462	232	3	=	=	NOUN
fsr-3462	232	4	1	1	X
fsr-3462	232	5	)	)	PUNCT
fsr-3462	232	6	g	g	NOUN
fsr-3462	232	7	0	0	NUM
fsr-3462	232	8	0	0	NUM
fsr-3462	233	1	.4	.4	NUM
fsr-3462	233	2	5	5	NUM
fsr-3462	233	3	5	5	NUM
fsr-3462	233	4	0	0	NUM
fsr-3462	233	5	.5	.5	NUM
fsr-3462	233	6	1	1	NUM
fsr-3462	233	7	2	2	NUM
fsr-3462	233	8	2	2	NUM
fsr-3462	233	9	0	0	NUM
fsr-3462	233	10	1	1	NUM
fsr-3462	233	11	5	5	NUM
fsr-3462	233	12	6	6	NUM
fsr-3462	233	13	a	a	DET
fsr-3462	233	14	g	g	NOUN
fsr-3462	233	15	e	e	PROPN
fsr-3462	233	16	a	a	DET
fsr-3462	233	17	g	g	NOUN
fsr-3462	233	18	e	e	NOUN
fsr-3462	233	19	2	2	NUM
fsr-3462	233	20	0	0	NUM
fsr-3462	233	21	2	2	NUM
fsr-3462	233	22	0	0	NUM
fsr-3462	233	23	.6	.6	NUM
fsr-3462	233	24	0	0	NUM
fsr-3462	233	25	3	3	NUM
fsr-3462	233	26	2	2	NUM
fsr-3462	233	27	.8	.8	NUM
fsr-3462	233	28	5	5	NUM
fsr-3462	233	29	3	3	NUM
fsr-3462	233	30	4	4	NUM
fsr-3462	233	31	2	2	NUM
fsr-3462	233	32	1	1	NUM
fsr-3462	233	33	8	8	NUM
fsr-3462	233	34	1	1	NUM
fsr-3462	233	35	5	5	NUM
fsr-3462	233	36	6	6	NUM
fsr-3462	233	37	r	r	NOUN
fsr-3462	233	38	ac	ac	NOUN
fsr-3462	233	39	e	e	PROPN
fsr-3462	233	40	(	(	PUNCT
fsr-3462	233	41	m	m	VERB
fsr-3462	233	42	in	in	ADP
fsr-3462	233	43	o	o	PROPN
fsr-3462	233	44	ri	ri	NOUN
fsr-3462	234	1	ty	ty	NOUN
fsr-3462	234	2	=	=	NOUN
fsr-3462	234	3	0	0	NUM
fsr-3462	234	4	)	)	PUNCT
fsr-3462	235	1	r	r	NOUN
fsr-3462	236	1	a	a	DET
fsr-3462	236	2	c	c	NOUN
fsr-3462	236	3	e	e	NOUN
fsr-3462	236	4	1	1	NUM
fsr-3462	236	5	0	0	NUM
fsr-3462	236	6	.7	.7	NUM
fsr-3462	236	7	8	8	NUM
fsr-3462	236	8	8	8	NUM
fsr-3462	236	9	0	0	NUM
fsr-3462	236	10	.4	.4	NUM
fsr-3462	236	11	1	1	NUM
fsr-3462	236	12	0	0	NUM
fsr-3462	236	13	1	1	NUM
fsr-3462	236	14	0	0	NUM
fsr-3462	236	15	1	1	NUM
fsr-3462	236	16	5	5	NUM
fsr-3462	236	17	6	6	NUM
fsr-3462	236	18	f	f	NOUN
fsr-3462	236	19	in	in	ADP
fsr-3462	236	20	an	an	DET
fsr-3462	236	21	ci	ci	NOUN
fsr-3462	236	22	al	al	PROPN
fsr-3462	236	23	ed	ed	PROPN
fsr-3462	236	24	u	u	PROPN
fsr-3462	236	25	ca	can	AUX
fsr-3462	236	26	ti	ti	VERB
fsr-3462	236	27	o	o	NOUN
fsr-3462	236	28	n	n	CCONJ
fsr-3462	236	29	an	an	PROPN
fsr-3462	236	30	d	d	X
fsr-3462	236	31	li	li	PROPN
fsr-3462	236	32	te	te	PROPN
fsr-3462	236	33	ra	ra	PROPN
fsr-3462	236	34	cy	cy	PROPN
fsr-3462	236	35	p	p	PROPN
fsr-3462	236	36	ar	ar	PROPN
fsr-3462	236	37	en	en	X
fsr-3462	236	38	ts	ts	PROPN
fsr-3462	236	39	ar	ar	PROPN
fsr-3462	236	40	e	e	PROPN
fsr-3462	236	41	m	m	VERB
fsr-3462	236	42	ai	ai	VERB
fsr-3462	236	43	n	n	ADV
fsr-3462	237	1	so	so	ADV
fsr-3462	237	2	u	u	PRON
fsr-3462	237	3	rc	rc	PROPN
fsr-3462	237	4	e	e	NOUN
fsr-3462	237	5	o	o	X
fsr-3462	237	6	f	f	PROPN
fsr-3462	237	7	fi	fi	PROPN
fsr-3462	237	8	n	n	CCONJ
fsr-3462	237	9	an	an	DET
fsr-3462	237	10	ci	ci	NOUN
fsr-3462	237	11	al	al	PROPN
fsr-3462	237	12	ed	ed	PROPN
fsr-3462	237	13	u	u	PROPN
fsr-3462	237	14	ca	can	AUX
fsr-3462	237	15	ti	ti	NOUN
fsr-3462	237	16	o	o	NOUN
fsr-3462	237	17	n	n	ADV
fsr-3462	237	18	f	f	X
fsr-3462	237	19	e	e	NOUN
fsr-3462	237	20	p	p	X
fsr-3462	237	21	a	a	DET
fsr-3462	237	22	r	r	NOUN
fsr-3462	237	23	1	1	NUM
fsr-3462	237	24	0	0	NUM
fsr-3462	237	25	.6	.6	NUM
fsr-3462	237	26	2	2	NUM
fsr-3462	237	27	8	8	NUM
fsr-3462	237	28	0	0	NUM
fsr-3462	237	29	.4	.4	NUM
fsr-3462	237	30	8	8	NUM
fsr-3462	237	31	5	5	NUM
fsr-3462	237	32	1	1	NUM
fsr-3462	237	33	0	0	NUM
fsr-3462	237	34	1	1	NUM
fsr-3462	237	35	5	5	NUM
fsr-3462	237	36	6	6	NUM
fsr-3462	237	37	n	n	NUM
fsr-3462	237	38	u	u	NOUN
fsr-3462	237	39	m	m	NOUN
fsr-3462	237	40	b	b	NOUN
fsr-3462	237	41	er	er	INTJ
fsr-3462	237	42	s	s	X
fsr-3462	237	43	o	o	X
fsr-3462	237	44	f	f	X
fsr-3462	237	45	co	co	PROPN
fsr-3462	237	46	rr	rr	PROPN
fsr-3462	237	47	ec	ec	PROPN
fsr-3462	237	48	t	t	PROPN
fsr-3462	237	49	an	an	DET
fsr-3462	237	50	sw	sw	PROPN
fsr-3462	237	51	er	er	INTJ
fsr-3462	237	52	s	s	PROPN
fsr-3462	237	53	t	t	NOUN
fsr-3462	237	54	o	o	NOUN
fsr-3462	238	1	tc	tc	NUM
fsr-3462	238	2	o	o	NOUN
fsr-3462	238	3	r	r	NOUN
fsr-3462	238	4	3	3	NUM
fsr-3462	238	5	.0	.0	NUM
fsr-3462	238	6	0	0	NUM
fsr-3462	238	7	2	2	NUM
fsr-3462	238	8	.8	.8	NUM
fsr-3462	238	9	7	7	NUM
fsr-3462	238	10	8	8	NUM
fsr-3462	238	11	1	1	NUM
fsr-3462	238	12	.2	.2	NUM
fsr-3462	238	13	6	6	NUM
fsr-3462	238	14	2	2	NUM
fsr-3462	238	15	5	5	NUM
fsr-3462	238	16	0	0	NUM
fsr-3462	238	17	1	1	NUM
fsr-3462	238	18	5	5	NUM
fsr-3462	238	19	6	6	NUM
fsr-3462	238	20	n	n	NUM
fsr-3462	238	21	u	u	NOUN
fsr-3462	238	22	m	m	NOUN
fsr-3462	238	23	b	b	NOUN
fsr-3462	238	24	er	er	INTJ
fsr-3462	238	25	s	s	X
fsr-3462	238	26	o	o	X
fsr-3462	238	27	f	f	PROPN
fsr-3462	238	28	in	in	ADP
fsr-3462	238	29	co	co	PROPN
fsr-3462	238	30	rr	rr	PROPN
fsr-3462	238	31	ec	ec	PROPN
fsr-3462	238	32	t	t	PROPN
fsr-3462	238	33	an	an	DET
fsr-3462	238	34	sw	sw	PROPN
fsr-3462	238	35	er	er	INTJ
fsr-3462	238	36	s	s	PROPN
fsr-3462	238	37	t	t	NOUN
fsr-3462	238	38	o	o	NOUN
fsr-3462	238	39	t	t	NOUN
fsr-3462	238	40	_	_	NOUN
fsr-3462	238	41	in	in	ADP
fsr-3462	238	42	c	c	PROPN
fsr-3462	238	43	1	1	NUM
fsr-3462	238	44	.0	.0	NUM
fsr-3462	238	45	0	0	NUM
fsr-3462	238	46	1	1	NUM
fsr-3462	238	47	.3	.3	NUM
fsr-3462	238	48	9	9	NUM
fsr-3462	238	49	1	1	NUM
fsr-3462	238	50	1	1	NUM
fsr-3462	238	51	.0	.0	NUM
fsr-3462	238	52	3	3	NUM
fsr-3462	238	53	2	2	NUM
fsr-3462	238	54	5	5	NUM
fsr-3462	238	55	0	0	NUM
fsr-3462	238	56	1	1	NUM
fsr-3462	238	57	5	5	NUM
fsr-3462	238	58	6	6	NUM
fsr-3462	238	59	n	n	NUM
fsr-3462	238	60	u	u	NOUN
fsr-3462	238	61	m	m	NOUN
fsr-3462	238	62	b	b	NOUN
fsr-3462	238	63	er	er	INTJ
fsr-3462	238	64	o	o	X
fsr-3462	238	65	f	f	X
fsr-3462	239	1	“	"	PUNCT
fsr-3462	239	2	d	d	X
fsr-3462	239	3	o	o	NOUN
fsr-3462	239	4	n	n	NUM
fsr-3462	239	5	o	o	NOUN
fsr-3462	239	6	t	t	X
fsr-3462	239	7	k	k	X
fsr-3462	240	1	n	n	INTJ
fsr-3462	240	2	o	o	NOUN
fsr-3462	240	3	w	w	NOUN
fsr-3462	240	4	”	"	PUNCT
fsr-3462	240	5	an	an	DET
fsr-3462	240	6	sw	sw	PROPN
fsr-3462	240	7	er	er	INTJ
fsr-3462	240	8	s	s	PROPN
fsr-3462	240	9	t	t	NOUN
fsr-3462	240	10	o	o	NOUN
fsr-3462	241	1	td	td	NOUN
fsr-3462	241	2	k	k	PROPN
fsr-3462	241	3	1	1	NUM
fsr-3462	241	4	.0	.0	NUM
fsr-3462	241	5	0	0	NUM
fsr-3462	241	6	0	0	NUM
fsr-3462	242	1	.7	.7	NUM
fsr-3462	242	2	3	3	NUM
fsr-3462	242	3	1	1	NUM
fsr-3462	242	4	0	0	NUM
fsr-3462	242	5	.8	.8	NUM
fsr-3462	242	6	6	6	NUM
fsr-3462	242	7	8	8	NUM
fsr-3462	242	8	4	4	NUM
fsr-3462	242	9	0	0	NUM
fsr-3462	242	10	1	1	NUM
fsr-3462	242	11	5	5	NUM
fsr-3462	242	12	6	6	NUM
fsr-3462	242	13	b	b	NUM
fsr-3462	242	14	eh	eh	INTJ
fsr-3462	242	15	av	av	PROPN
fsr-3462	242	16	io	io	PROPN
fsr-3462	242	17	ra	ra	PROPN
fsr-3462	242	18	l	l	PROPN
fsr-3462	242	19	l	l	NOUN
fsr-3462	242	20	ev	ev	INTJ
fsr-3462	243	1	el	el	PROPN
fsr-3462	243	2	o	o	PROPN
fsr-3462	243	3	f	f	PROPN
fsr-3462	244	1	an	an	DET
fsr-3462	244	2	x	x	INTJ
fsr-3462	244	3	ie	ie	ADV
fsr-3462	244	4	ty	ty	INTJ
fsr-3462	244	5	o	o	NOUN
fsr-3462	244	6	n	n	X
fsr-3462	244	7	re	re	ADP
fsr-3462	244	8	p	p	PROPN
fsr-3462	244	9	ay	ay	PROPN
fsr-3462	244	10	m	m	PROPN
fsr-3462	244	11	en	en	ADP
fsr-3462	244	12	t	t	PROPN
fsr-3462	244	13	ca	can	AUX
fsr-3462	244	14	p	p	PROPN
fsr-3462	244	15	ac	ac	VERB
fsr-3462	244	16	it	it	PRON
fsr-3462	244	17	y	y	INTJ
fsr-3462	244	18	a	a	DET
fsr-3462	244	19	n	n	NOUN
fsr-3462	244	20	x	x	SYM
fsr-3462	244	21	2	2	NUM
fsr-3462	244	22	2	2	NUM
fsr-3462	244	23	.0	.0	NUM
fsr-3462	244	24	1	1	NUM
fsr-3462	244	25	9	9	NUM
fsr-3462	244	26	1	1	NUM
fsr-3462	244	27	.1	.1	NUM
fsr-3462	244	28	1	1	NUM
fsr-3462	244	29	6	6	NUM
fsr-3462	244	30	5	5	NUM
fsr-3462	244	31	1	1	NUM
fsr-3462	244	32	1	1	NUM
fsr-3462	244	33	5	5	NUM
fsr-3462	244	34	6	6	NUM
fsr-3462	244	35	f	f	NOUN
fsr-3462	244	36	re	re	ADP
fsr-3462	244	37	q	q	PROPN
fsr-3462	244	38	u	u	X
fsr-3462	244	39	en	en	ADP
fsr-3462	244	40	cy	cy	PROPN
fsr-3462	244	41	o	o	PROPN
fsr-3462	244	42	f	f	X
fsr-3462	245	1	p	p	X
fsr-3462	245	2	ay	ay	PROPN
fsr-3462	245	3	m	m	PROPN
fsr-3462	245	4	en	en	ADP
fsr-3462	245	5	t	t	X
fsr-3462	245	6	o	o	NOUN
fsr-3462	245	7	n	n	ADV
fsr-3462	245	8	cr	cr	NOUN
fsr-3462	245	9	ed	ed	NOUN
fsr-3462	246	1	it	it	PRON
fsr-3462	246	2	ca	can	AUX
fsr-3462	246	3	rd	rd	VERB
fsr-3462	246	4	r	r	NOUN
fsr-3462	246	5	fr	fr	NOUN
fsr-3462	246	6	eq	eq	NOUN
fsr-3462	246	7	1	1	NUM
fsr-3462	246	8	1	1	NUM
fsr-3462	246	9	.6	.6	NUM
fsr-3462	246	10	2	2	NUM
fsr-3462	246	11	2	2	NUM
fsr-3462	246	12	1	1	NUM
fsr-3462	246	13	.0	.0	NUM
fsr-3462	246	14	1	1	NUM
fsr-3462	246	15	2	2	NUM
fsr-3462	246	16	4	4	NUM
fsr-3462	246	17	1	1	NUM
fsr-3462	246	18	1	1	NUM
fsr-3462	246	19	5	5	NUM
fsr-3462	246	20	6	6	NUM
fsr-3462	246	21	s	s	NOUN
fsr-3462	246	22	u	u	NOUN
fsr-3462	246	23	rp	rp	NOUN
fsr-3462	246	24	ri	ri	PROPN
fsr-3462	246	25	se	se	PROPN
fsr-3462	247	1	d	d	PROPN
fsr-3462	247	2	o	o	X
fsr-3462	248	1	n	n	ADP
fsr-3462	248	2	c	c	NOUN
fsr-3462	248	3	c	c	PROPN
fsr-3462	248	4	b	b	X
fsr-3462	248	5	al	al	PROPN
fsr-3462	248	6	an	an	PROPN
fsr-3462	248	7	ce	ce	PROPN
fsr-3462	248	8	le	le	X
fsr-3462	248	9	v	v	PROPN
fsr-3462	248	10	el	el	PROPN
fsr-3462	248	11	s	s	PROPN
fsr-3462	248	12	u	u	NOUN
fsr-3462	248	13	rp	rp	NOUN
fsr-3462	248	14	1	1	NUM
fsr-3462	248	15	0	0	NUM
fsr-3462	248	16	.8	.8	NUM
fsr-3462	248	17	7	7	NUM
fsr-3462	248	18	8	8	NUM
fsr-3462	248	19	0	0	NUM
fsr-3462	249	1	.9	.9	NUM
fsr-3462	249	2	1	1	NUM
fsr-3462	249	3	8	8	NUM
fsr-3462	249	4	3	3	NUM
fsr-3462	249	5	0	0	NUM
fsr-3462	249	6	1	1	NUM
fsr-3462	249	7	5	5	NUM
fsr-3462	249	8	6	6	NUM
fsr-3462	249	9	f	f	NOUN
fsr-3462	249	10	re	re	ADP
fsr-3462	249	11	q	q	PROPN
fsr-3462	249	12	u	u	X
fsr-3462	249	13	en	en	ADP
fsr-3462	249	14	cy	cy	PROPN
fsr-3462	249	15	o	o	PROPN
fsr-3462	249	16	f	f	X
fsr-3462	249	17	o	o	X
fsr-3462	249	18	v	v	INTJ
fsr-3462	249	19	er	er	INTJ
fsr-3462	249	20	sp	sp	ADP
fsr-3462	249	21	en	en	X
fsr-3462	249	22	d	d	PROPN
fsr-3462	249	23	in	in	ADP
fsr-3462	249	24	g	g	PROPN
fsr-3462	249	25	o	o	NOUN
fsr-3462	249	26	v	v	ADP
fsr-3462	249	27	er	er	INTJ
fsr-3462	249	28	sp	sp	ADP
fsr-3462	249	29	d	d	NOUN
fsr-3462	249	30	0	0	NUM
fsr-3462	249	31	0	0	NUM
fsr-3462	249	32	.4	.4	NUM
fsr-3462	249	33	6	6	NUM
fsr-3462	249	34	2	2	NUM
fsr-3462	249	35	0	0	NUM
fsr-3462	249	36	.8	.8	NUM
fsr-3462	249	37	2	2	NUM
fsr-3462	249	38	2	2	NUM
fsr-3462	249	39	3	3	NUM
fsr-3462	249	40	0	0	NUM
fsr-3462	249	41	1	1	NUM
fsr-3462	249	42	5	5	NUM
fsr-3462	249	43	6	6	NUM
fsr-3462	249	44	n	n	NUM
fsr-3462	249	45	u	u	NOUN
fsr-3462	249	46	m	m	NOUN
fsr-3462	249	47	b	b	NOUN
fsr-3462	249	48	er	er	INTJ
fsr-3462	249	49	o	o	X
fsr-3462	249	50	f	f	NOUN
fsr-3462	250	1	cr	cr	INTJ
fsr-3462	250	2	ed	ed	PROPN
fsr-3462	251	1	it	it	PRON
fsr-3462	251	2	ca	can	AUX
fsr-3462	251	3	rd	rd	VERB
fsr-3462	251	4	n	n	PROPN
fsr-3462	251	5	c	c	NOUN
fsr-3462	251	6	c	c	NOUN
fsr-3462	251	7	1	1	NUM
fsr-3462	251	8	1	1	NUM
fsr-3462	251	9	.5	.5	NUM
fsr-3462	251	10	6	6	NUM
fsr-3462	251	11	4	4	NUM
fsr-3462	251	12	1	1	NUM
fsr-3462	251	13	.0	.0	NUM
fsr-3462	251	14	6	6	NUM
fsr-3462	251	15	1	1	NUM
fsr-3462	251	16	6	6	NUM
fsr-3462	251	17	1	1	NUM
fsr-3462	251	18	1	1	NUM
fsr-3462	251	19	5	5	NUM
fsr-3462	251	20	6	6	NUM
fsr-3462	251	21	s	s	NOUN
fsr-3462	251	22	o	o	X
fsr-3462	251	23	u	u	NOUN
fsr-3462	251	24	rc	rc	PROPN
fsr-3462	251	25	e	e	NOUN
fsr-3462	251	26	:	:	PUNCT
fsr-3462	252	1	d	d	X
fsr-3462	252	2	em	em	PRON
fsr-3462	252	3	o	o	INTJ
fsr-3462	253	1	g	g	NOUN
fsr-3462	253	2	ra	ra	PROPN
fsr-3462	254	1	p	p	NOUN
fsr-3462	254	2	h	h	NOUN
fsr-3462	254	3	ic	ic	PROPN
fsr-3462	254	4	v	v	PROPN
fsr-3462	254	5	ar	ar	PROPN
fsr-3462	254	6	ia	ia	PROPN
fsr-3462	254	7	b	b	PROPN
fsr-3462	254	8	le	le	X
fsr-3462	254	9	s	s	PROPN
fsr-3462	254	10	ar	ar	PROPN
fsr-3462	254	11	e	e	PROPN
fsr-3462	254	12	d	d	PROPN
fsr-3462	254	13	efi	efi	PROPN
fsr-3462	254	14	n	n	PRON
fsr-3462	254	15	ed	ed	NOUN
fsr-3462	254	16	as	as	ADP
fsr-3462	254	17	fo	fo	INTJ
fsr-3462	254	18	ll	ll	AUX
fsr-3462	254	19	o	o	X
fsr-3462	254	20	w	w	PROPN
fsr-3462	254	21	s.	s.	PROPN
fsr-3462	254	22	g	g	PROPN
fsr-3462	254	23	en	en	PROPN
fsr-3462	254	24	d	d	PROPN
fsr-3462	254	25	er	er	INTJ
fsr-3462	254	26	g	g	PROPN
fsr-3462	254	27	is	be	AUX
fsr-3462	254	28	a	a	DET
fsr-3462	254	29	d	d	X
fsr-3462	254	30	u	u	NOUN
fsr-3462	254	31	m	m	NOUN
fsr-3462	254	32	m	m	VERB
fsr-3462	254	33	y	y	PROPN
fsr-3462	254	34	v	v	NUM
fsr-3462	254	35	ar	ar	PROPN
fsr-3462	254	36	ia	ia	PROPN
fsr-3462	254	37	b	b	PROPN
fsr-3462	254	38	le	le	X
fsr-3462	254	39	ta	ta	PROPN
fsr-3462	255	1	k	k	PROPN
fsr-3462	255	2	in	in	ADP
fsr-3462	255	3	g	g	PROPN
fsr-3462	255	4	v	v	NUM
fsr-3462	255	5	al	al	PROPN
fsr-3462	255	6	u	u	PROPN
fsr-3462	255	7	e	e	NOUN
fsr-3462	255	8	o	o	NOUN
fsr-3462	255	9	f	f	PROPN
fsr-3462	255	10	1	1	NUM
fsr-3462	255	11	if	if	SCONJ
fsr-3462	255	12	fe	fe	X
fsr-3462	255	13	m	m	VERB
fsr-3462	255	14	al	al	PROPN
fsr-3462	255	15	e	e	PROPN
fsr-3462	255	16	an	an	PRON
fsr-3462	255	17	d	d	PROPN
fsr-3462	255	18	0	0	NUM
fsr-3462	255	19	o	o	NOUN
fsr-3462	255	20	th	th	X
fsr-3462	255	21	er	er	INTJ
fsr-3462	255	22	w	w	PROPN
fsr-3462	255	23	is	be	AUX
fsr-3462	255	24	e.	e.	PROPN
fsr-3462	256	1	a	a	DET
fsr-3462	256	2	ca	ca	NOUN
fsr-3462	256	3	d	d	X
fsr-3462	256	4	em	em	PRON
fsr-3462	257	1	ic	ic	PROPN
fsr-3462	257	2	s	s	VERB
fsr-3462	257	3	ta	ta	X
fsr-3462	257	4	tu	tu	PROPN
fsr-3462	257	5	sa	sa	PROPN
fsr-3462	257	6	s	s	PROPN
fsr-3462	257	7	is	be	AUX
fsr-3462	257	8	th	th	X
fsr-3462	257	9	e	e	X
fsr-3462	257	10	1	1	NUM
fsr-3462	257	11	=	=	SYM
fsr-3462	257	12	f	f	X
fsr-3462	257	13	re	re	VERB
fsr-3462	257	14	sh	sh	PROPN
fsr-3462	257	15	m	m	PROPN
fsr-3462	257	16	an	an	DET
fsr-3462	257	17	,	,	PUNCT
fsr-3462	257	18	2	2	NUM
fsr-3462	257	19	=	=	SYM
fsr-3462	257	20	s	s	PART
fsr-3462	258	1	o	o	X
fsr-3462	258	2	p	p	NOUN
fsr-3462	258	3	h	h	NOUN
fsr-3462	259	1	o	o	NOUN
fsr-3462	259	2	m	m	VERB
fsr-3462	259	3	o	o	X
fsr-3462	259	4	re	re	ADP
fsr-3462	259	5	,	,	PUNCT
fsr-3462	259	6	3	3	NUM
fsr-3462	259	7	=	=	SYM
fsr-3462	259	8	ju	ju	PROPN
fsr-3462	259	9	n	n	PROPN
fsr-3462	259	10	io	io	PROPN
fsr-3462	259	11	r	r	PROPN
fsr-3462	259	12	,	,	PUNCT
fsr-3462	259	13	4	4	NUM
fsr-3462	259	14	=	=	SYM
fsr-3462	259	15	s	s	X
fsr-3462	259	16	en	en	X
fsr-3462	259	17	io	io	X
fsr-3462	259	18	r	r	PROPN
fsr-3462	259	19	,	,	PUNCT
fsr-3462	259	20	an	an	DET
fsr-3462	259	21	d	d	NOUN
fsr-3462	259	22	5	5	NUM
fsr-3462	259	23	=	=	SYM
fsr-3462	259	24	g	g	NOUN
fsr-3462	259	25	ra	ra	PROPN
fsr-3462	260	1	d	d	X
fsr-3462	260	2	s	s	PROPN
fsr-3462	260	3	tu	tu	X
fsr-3462	260	4	d	d	X
fsr-3462	260	5	en	en	X
fsr-3462	260	6	t.	t.	PROPN
fsr-3462	260	7	r	r	NOUN
fsr-3462	260	8	ac	ac	PROPN
fsr-3462	260	9	e	e	PROPN
fsr-3462	260	10	is	be	AUX
fsr-3462	260	11	1	1	NUM
fsr-3462	260	12	if	if	SCONJ
fsr-3462	260	13	w	w	NOUN
fsr-3462	260	14	h	h	NOUN
fsr-3462	261	1	it	it	PRON
fsr-3462	261	2	e	e	NOUN
fsr-3462	261	3	an	an	DET
fsr-3462	261	4	d	d	NOUN
fsr-3462	261	5	0	0	PUNCT
fsr-3462	262	1	if	if	SCONJ
fsr-3462	262	2	m	m	VERB
fsr-3462	262	3	in	in	ADP
fsr-3462	262	4	o	o	PROPN
fsr-3462	262	5	ri	ri	NOUN
fsr-3462	263	1	ty	ty	INTJ
fsr-3462	263	2	.	.	PUNCT
fsr-3462	264	1	a	a	DET
fsr-3462	264	2	ge	ge	PROPN
fsr-3462	264	3	is	be	AUX
fsr-3462	264	4	ex	ex	PRON
fsr-3462	264	5	p	p	NOUN
fsr-3462	264	6	re	re	NOUN
fsr-3462	264	7	ss	ss	NOUN
fsr-3462	264	8	ed	ed	NOUN
fsr-3462	264	9	in	in	ADP
fsr-3462	264	10	y	y	PROPN
fsr-3462	264	11	ea	ea	PROPN
fsr-3462	264	12	rs	rs	NOUN
fsr-3462	264	13	at	at	ADP
fsr-3462	264	14	th	th	X
fsr-3462	264	15	e	e	X
fsr-3462	264	16	ti	ti	X
fsr-3462	264	17	m	m	PROPN
fsr-3462	264	18	e	e	NOUN
fsr-3462	264	19	o	o	NOUN
fsr-3462	264	20	f	f	X
fsr-3462	264	21	th	th	X
fsr-3462	264	22	e	e	PROPN
fsr-3462	264	23	su	su	PROPN
fsr-3462	264	24	rv	rv	PROPN
fsr-3462	264	25	ey	ey	INTJ
fsr-3462	264	26	.	.	PUNCT
fsr-3462	265	1	f	f	PROPN
fsr-3462	265	2	in	in	ADP
fsr-3462	265	3	an	an	DET
fsr-3462	265	4	ci	ci	NOUN
fsr-3462	265	5	al	al	PROPN
fsr-3462	265	6	l	l	PROPN
fsr-3462	266	1	it	it	PRON
fsr-3462	266	2	er	er	INTJ
fsr-3462	266	3	ac	ac	INTJ
fsr-3462	266	4	y	y	PROPN
fsr-3462	266	5	,	,	PUNCT
fsr-3462	266	6	e	e	PROPN
fsr-3462	267	1	d	d	PUNCT
fsr-3462	267	2	u	u	PRON
fsr-3462	267	3	ca	can	AUX
fsr-3462	267	4	ti	ti	NOUN
fsr-3462	267	5	o	o	NOUN
fsr-3462	267	6	n	n	PROPN
fsr-3462	267	7	,	,	PUNCT
fsr-3462	267	8	an	an	DET
fsr-3462	267	9	d	d	X
fsr-3462	267	10	re	re	X
fsr-3462	267	11	la	la	X
fsr-3462	267	12	te	te	PROPN
fsr-3462	267	13	d	d	PROPN
fsr-3462	267	14	v	v	PROPN
fsr-3462	267	15	ar	ar	PROPN
fsr-3462	267	16	ia	ia	PROPN
fsr-3462	267	17	b	b	PROPN
fsr-3462	267	18	le	le	X
fsr-3462	267	19	s	s	PROPN
fsr-3462	267	20	in	in	ADP
fsr-3462	267	21	cl	cl	NOUN
fsr-3462	267	22	u	u	NOUN
fsr-3462	267	23	d	d	X
fsr-3462	267	24	e	e	X
fsr-3462	267	25	th	th	X
fsr-3462	267	26	e	e	NOUN
fsr-3462	267	27	fo	fo	INTJ
fsr-3462	267	28	ll	ll	AUX
fsr-3462	267	29	o	o	VERB
fsr-3462	267	30	w	w	NOUN
fsr-3462	267	31	in	in	ADP
fsr-3462	267	32	g	g	PROPN
fsr-3462	267	33	.	.	PUNCT
fsr-3462	268	1	t	t	PROPN
fsr-3462	268	2	ot	ot	NOUN
fsr-3462	269	1	c	c	NOUN
fsr-3462	269	2	o	o	NOUN
fsr-3462	269	3	r	r	NOUN
fsr-3462	269	4	is	be	AUX
fsr-3462	269	5	th	th	X
fsr-3462	269	6	e	e	NOUN
fsr-3462	269	7	n	n	CCONJ
fsr-3462	269	8	u	u	PROPN
fsr-3462	269	9	m	m	NOUN
fsr-3462	269	10	b	b	NOUN
fsr-3462	269	11	er	er	INTJ
fsr-3462	269	12	o	o	X
fsr-3462	269	13	f	f	PROPN
fsr-3462	269	14	fi	fi	NOUN
fsr-3462	269	15	n	n	CCONJ
fsr-3462	269	16	an	an	DET
fsr-3462	269	17	ci	ci	PROPN
fsr-3462	269	18	al	al	PROPN
fsr-3462	269	19	li	li	PROPN
fsr-3462	270	1	te	te	PROPN
fsr-3462	270	2	ra	ra	PROPN
fsr-3462	270	3	cy	cy	INTJ
fsr-3462	270	4	q	q	PROPN
fsr-3462	270	5	u	u	NOUN
fsr-3462	270	6	es	es	X
fsr-3462	270	7	ti	ti	NOUN
fsr-3462	270	8	o	o	NOUN
fsr-3462	270	9	n	n	CCONJ
fsr-3462	270	10	an	an	DET
fsr-3462	270	11	sw	sw	PROPN
fsr-3462	270	12	er	er	INTJ
fsr-3462	270	13	s	s	X
fsr-3462	270	14	co	co	NOUN
fsr-3462	270	15	rre	rre	NOUN
fsr-3462	270	16	ct	ct	X
fsr-3462	270	17	ly	ly	X
fsr-3462	270	18	;	;	PUNCT
fsr-3462	270	19	t	t	X
fsr-3462	270	20	ot	ot	NOUN
fsr-3462	271	1	d	d	X
fsr-3462	271	2	k	k	PROPN
fsr-3462	271	3	is	be	AUX
fsr-3462	271	4	th	th	X
fsr-3462	271	5	e	e	NOUN
fsr-3462	271	6	n	n	CCONJ
fsr-3462	271	7	u	u	PROPN
fsr-3462	271	8	m	m	NOUN
fsr-3462	271	9	b	b	NOUN
fsr-3462	271	10	er	er	INTJ
fsr-3462	271	11	o	o	X
fsr-3462	271	12	f	f	PROPN
fsr-3462	271	13	an	an	PRON
fsr-3462	271	14	sw	sw	PROPN
fsr-3462	271	15	er	er	INTJ
fsr-3462	271	16	s	s	PROPN
fsr-3462	271	17	w	w	NOUN
fsr-3462	272	1	it	it	PRON
fsr-3462	272	2	h	h	NOUN
fsr-3462	272	3	a	a	DET
fsr-3462	272	4	"	"	PUNCT
fsr-3462	272	5	d	d	NOUN
fsr-3462	272	6	o	o	NOUN
fsr-3462	272	7	n	n	NUM
fsr-3462	272	8	o	o	NOUN
fsr-3462	272	9	t	t	X
fsr-3462	272	10	k	k	X
fsr-3462	272	11	n	n	INTJ
fsr-3462	272	12	o	o	NOUN
fsr-3462	272	13	w	w	NOUN
fsr-3462	272	14	"	"	PUNCT
fsr-3462	272	15	an	an	DET
fsr-3462	272	16	sw	sw	PROPN
fsr-3462	272	17	er	er	INTJ
fsr-3462	272	18	;	;	PUNCT
fsr-3462	272	19	an	an	PRON
fsr-3462	272	20	d	d	X
fsr-3462	272	21	t	t	NOUN
fsr-3462	273	1	ot	ot	NOUN
fsr-3462	273	2	_	_	NOUN
fsr-3462	273	3	i	i	PRON
fsr-3462	273	4	n	n	VERB
fsr-3462	273	5	c	c	NOUN
fsr-3462	273	6	is	be	AUX
fsr-3462	273	7	th	th	X
fsr-3462	273	8	e	e	NOUN
fsr-3462	273	9	n	n	CCONJ
fsr-3462	273	10	u	u	PROPN
fsr-3462	273	11	m	m	NOUN
fsr-3462	273	12	b	b	NOUN
fsr-3462	273	13	er	er	INTJ
fsr-3462	273	14	o	o	X
fsr-3462	273	15	f	f	PROPN
fsr-3462	273	16	in	in	ADP
fsr-3462	273	17	co	co	PROPN
fsr-3462	273	18	rr	rr	PROPN
fsr-3462	273	19	ec	ec	PROPN
fsr-3462	273	20	t	t	PROPN
fsr-3462	274	1	an	an	PRON
fsr-3462	274	2	sw	sw	PROPN
fsr-3462	275	1	er	er	INTJ
fsr-3462	275	2	s.	s.	PROPN
fsr-3462	276	1	f	f	PROPN
fsr-3462	276	2	o	o	NOUN
fsr-3462	276	3	r	r	NOUN
fsr-3462	276	4	ea	ea	NUM
fsr-3462	276	5	ch	ch	NOUN
fsr-3462	276	6	in	in	ADP
fsr-3462	276	7	d	d	PROPN
fsr-3462	276	8	iv	iv	INTJ
fsr-3462	277	1	i	i	PROPN
fsr-3462	277	2	d	d	PROPN
fsr-3462	277	3	u	u	X
fsr-3462	277	4	al	al	PROPN
fsr-3462	277	5	th	th	X
fsr-3462	277	6	e	e	PROPN
fsr-3462	277	7	su	su	PROPN
fsr-3462	277	8	m	m	PROPN
fsr-3462	277	9	o	o	NOUN
fsr-3462	277	10	f	f	X
fsr-3462	278	1	t	t	X
fsr-3462	278	2	o	o	X
fsr-3462	278	3	t	t	NOUN
fsr-3462	279	1	c	c	NOUN
fsr-3462	279	2	o	o	NOUN
fsr-3462	280	1	r	r	NOUN
fsr-3462	281	1	+	+	NOUN
fsr-3462	281	2	t	t	NOUN
fsr-3462	282	1	o	o	X
fsr-3462	282	2	t	t	PROPN
fsr-3462	283	1	d	d	X
fsr-3462	283	2	k	k	PROPN
fsr-3462	284	1	+	+	PROPN
fsr-3462	284	2	t	t	X
fsr-3462	284	3	o	o	X
fsr-3462	284	4	t	t	NOUN
fsr-3462	284	5	_	_	PUNCT
fsr-3462	284	6	in	in	ADP
fsr-3462	284	7	c	c	NOUN
fsr-3462	284	8	=	=	SYM
fsr-3462	284	9	5	5	NUM
fsr-3462	284	10	.	.	PUNCT
fsr-3462	285	1	t	t	PROPN
fsr-3462	285	2	h	h	NOUN
fsr-3462	285	3	e	e	PROPN
fsr-3462	285	4	f	f	PROPN
fsr-3462	285	5	in	in	ADP
fsr-3462	285	6	an	an	DET
fsr-3462	285	7	ci	ci	NOUN
fsr-3462	285	8	al	al	PROPN
fsr-3462	285	9	l	l	PROPN
fsr-3462	286	1	it	it	PRON
fsr-3462	286	2	er	er	INTJ
fsr-3462	286	3	ac	ac	INTJ
fsr-3462	286	4	y	y	PROPN
fsr-3462	286	5	r	r	NOUN
fsr-3462	286	6	at	at	ADP
fsr-3462	286	7	ef	ef	PROPN
fsr-3462	286	8	l	l	NOUN
fsr-3462	286	9	itr	itr	NOUN
fsr-3462	286	10	at	at	ADP
fsr-3462	286	11	e	e	PROPN
fsr-3462	286	12	m	m	PROPN
fsr-3462	286	13	ea	ea	X
fsr-3462	286	14	su	su	PROPN
fsr-3462	286	15	re	re	PROPN
fsr-3462	286	16	s	s	PROPN
fsr-3462	286	17	th	th	X
fsr-3462	286	18	e	e	X
fsr-3462	286	19	p	p	X
fsr-3462	286	20	er	er	INTJ
fsr-3462	286	21	ce	ce	PROPN
fsr-3462	286	22	n	n	X
fsr-3462	286	23	ta	ta	X
fsr-3462	286	24	g	g	PROPN
fsr-3462	286	25	e	e	PROPN
fsr-3462	286	26	o	o	X
fsr-3462	286	27	f	f	X
fsr-3462	286	28	co	co	PROPN
fsr-3462	286	29	rr	rr	PROPN
fsr-3462	286	30	ec	ec	PROPN
fsr-3462	286	31	t	t	PROPN
fsr-3462	286	32	an	an	DET
fsr-3462	286	33	sw	sw	PROPN
fsr-3462	287	1	er	er	INTJ
fsr-3462	287	2	s	s	X
fsr-3462	287	3	o	o	X
fsr-3462	287	4	u	u	NOUN
fsr-3462	287	5	t	t	NOUN
fsr-3462	287	6	o	o	X
fsr-3462	287	7	f	f	X
fsr-3462	287	8	th	th	X
fsr-3462	287	9	e	e	X
fsr-3462	287	10	fi	fi	NOUN
fsr-3462	287	11	v	v	ADP
fsr-3462	287	12	e	e	X
fsr-3462	287	13	li	li	PROPN
fsr-3462	287	14	te	te	PROPN
fsr-3462	287	15	ra	ra	PROPN
fsr-3462	287	16	cy	cy	PROPN
fsr-3462	287	17	k	k	PROPN
fsr-3462	287	18	n	n	ADV
fsr-3462	287	19	o	o	X
fsr-3462	287	20	w	w	X
fsr-3462	287	21	le	le	PROPN
fsr-3462	288	1	d	d	X
fsr-3462	288	2	g	g	X
fsr-3462	288	3	e	e	X
fsr-3462	288	4	q	q	NOUN
fsr-3462	288	5	u	u	NOUN
fsr-3462	288	6	es	es	X
fsr-3462	288	7	ti	ti	NOUN
fsr-3462	288	8	o	o	NOUN
fsr-3462	288	9	n	n	PROPN
fsr-3462	288	10	s.	s.	PROPN
fsr-3462	288	11	a	a	DET
fsr-3462	288	12	n	n	ADV
fsr-3462	288	13	x	x	X
fsr-3462	288	14	ie	ie	ADV
fsr-3462	288	15	ty	ty	INTJ
fsr-3462	288	16	-a	-a	X
fsr-3462	288	17	nx	nx	PROPN
fsr-3462	288	18	is	be	AUX
fsr-3462	288	19	th	th	X
fsr-3462	288	20	e	e	X
fsr-3462	288	21	le	le	X
fsr-3462	288	22	v	v	PROPN
fsr-3462	288	23	el	el	PROPN
fsr-3462	288	24	o	o	PROPN
fsr-3462	288	25	f	f	PROPN
fsr-3462	289	1	an	an	PRON
fsr-3462	289	2	x	x	X
fsr-3462	289	3	ie	ie	X
fsr-3462	289	4	ty	ty	INTJ
fsr-3462	289	5	re	re	ADP
fsr-3462	289	6	p	p	NOUN
fsr-3462	289	7	o	o	X
fsr-3462	289	8	rt	rt	INTJ
fsr-3462	290	1	ed	ed	NOUN
fsr-3462	291	1	o	o	PROPN
fsr-3462	292	1	n	n	CCONJ
fsr-3462	292	2	a	a	DET
fsr-3462	292	3	sc	sc	NOUN
fsr-3462	292	4	al	al	PROPN
fsr-3462	292	5	e	e	PROPN
fsr-3462	293	1	fr	fr	NOUN
fsr-3462	293	2	o	o	NOUN
fsr-3462	293	3	m	m	VERB
fsr-3462	293	4	1	1	NUM
fsr-3462	293	5	=	=	SYM
fsr-3462	293	6	n	n	NUM
fsr-3462	293	7	o	o	NOUN
fsr-3462	293	8	an	an	X
fsr-3462	293	9	x	x	INTJ
fsr-3462	293	10	ie	ie	ADP
fsr-3462	293	11	ty	ty	INTJ
fsr-3462	293	12	to	to	ADP
fsr-3462	293	13	5	5	NUM
fsr-3462	293	14	=	=	SYM
fsr-3462	293	15	ex	ex	X
fsr-3462	293	16	tr	tr	VERB
fsr-3462	293	17	em	em	PROPN
fsr-3462	293	18	el	el	PROPN
fsr-3462	293	19	y	y	PROPN
fsr-3462	293	20	an	an	DET
fsr-3462	293	21	x	x	X
fsr-3462	293	22	io	io	X
fsr-3462	293	23	u	u	X
fsr-3462	293	24	s	s	X
fsr-3462	293	25	in	in	ADP
fsr-3462	293	26	re	re	NOUN
fsr-3462	293	27	la	la	X
fsr-3462	293	28	ti	ti	X
fsr-3462	293	29	o	o	NOUN
fsr-3462	293	30	n	n	ADP
fsr-3462	293	31	to	to	ADP
fsr-3462	293	32	h	h	NOUN
fsr-3462	293	33	is	be	AUX
fsr-3462	293	34	o	o	NOUN
fsr-3462	293	35	r	r	NOUN
fsr-3462	294	1	h	h	NOUN
fsr-3462	295	1	er	er	INTJ
fsr-3462	295	2	ca	can	AUX
fsr-3462	295	3	p	p	X
fsr-3462	295	4	ac	ac	VERB
fsr-3462	295	5	it	it	PRON
fsr-3462	295	6	y	y	INTJ
fsr-3462	295	7	to	to	PART
fsr-3462	295	8	re	re	VERB
fsr-3462	295	9	p	p	NOUN
fsr-3462	295	10	ay	ay	PROPN
fsr-3462	295	11	y	y	NOUN
fsr-3462	295	12	o	o	X
fsr-3462	295	13	u	u	NOUN
fsr-3462	295	14	r	r	NOUN
fsr-3462	295	15	cr	cr	NOUN
fsr-3462	296	1	ed	ed	NOUN
fsr-3462	297	1	it	it	PRON
fsr-3462	297	2	ca	can	AUX
fsr-3462	297	3	rd	rd	VERB
fsr-3462	297	4	m	m	PROPN
fsr-3462	297	5	o	o	NOUN
fsr-3462	297	6	n	n	ADV
fsr-3462	297	7	th	th	X
fsr-3462	297	8	ly	ly	X
fsr-3462	298	1	b	b	PROPN
fsr-3462	298	2	il	il	PROPN
fsr-3462	298	3	l.	l.	PROPN
fsr-3462	298	4	f	f	PROPN
fsr-3462	298	5	e	e	PROPN
fsr-3462	298	6	p	p	PROPN
fsr-3462	298	7	ar	ar	PROPN
fsr-3462	298	8	ta	ta	PROPN
fsr-3462	298	9	k	k	PROPN
fsr-3462	298	10	es	es	ADP
fsr-3462	298	11	a	a	DET
fsr-3462	298	12	v	v	NOUN
fsr-3462	298	13	al	al	PROPN
fsr-3462	298	14	u	u	PROPN
fsr-3462	299	1	e	e	NOUN
fsr-3462	299	2	o	o	NOUN
fsr-3462	299	3	f	f	PROPN
fsr-3462	299	4	1	1	NUM
fsr-3462	299	5	if	if	SCONJ
fsr-3462	299	6	p	p	PROPN
fsr-3462	299	7	ar	ar	PROPN
fsr-3462	299	8	en	en	X
fsr-3462	299	9	ts	ts	PROPN
fsr-3462	299	10	ar	ar	PROPN
fsr-3462	299	11	e	e	PROPN
fsr-3462	299	12	th	th	X
fsr-3462	299	13	e	e	X
fsr-3462	299	14	m	m	VERB
fsr-3462	299	15	ai	ai	VERB
fsr-3462	299	16	n	n	ADV
fsr-3462	300	1	so	so	ADV
fsr-3462	300	2	u	u	PRON
fsr-3462	300	3	rc	rc	PROPN
fsr-3462	300	4	e	e	NOUN
fsr-3462	300	5	o	o	X
fsr-3462	300	6	f	f	PROPN
fsr-3462	300	7	fi	fi	PROPN
fsr-3462	300	8	n	n	CCONJ
fsr-3462	300	9	an	an	DET
fsr-3462	300	10	ci	ci	NOUN
fsr-3462	300	11	al	al	PROPN
fsr-3462	300	12	ed	ed	PROPN
fsr-3462	300	13	u	u	PROPN
fsr-3462	300	14	ca	can	AUX
fsr-3462	300	15	ti	ti	NOUN
fsr-3462	300	16	o	o	NOUN
fsr-3462	300	17	n	n	PROPN
fsr-3462	300	18	,	,	PUNCT
fsr-3462	300	19	0	0	NUM
fsr-3462	300	20	o	o	NOUN
fsr-3462	300	21	th	th	X
fsr-3462	300	22	er	er	INTJ
fsr-3462	300	23	w	w	PROPN
fsr-3462	300	24	is	be	AUX
fsr-3462	300	25	e.	e.	PROPN
fsr-3462	300	26	r	r	PROPN
fsr-3462	300	27	f	f	PROPN
fsr-3462	300	28	re	re	NOUN
fsr-3462	300	29	q	q	PROPN
fsr-3462	300	30	d	d	X
fsr-3462	300	31	efi	efi	PROPN
fsr-3462	300	32	n	n	ADV
fsr-3462	300	33	es	es	X
fsr-3462	300	34	th	th	X
fsr-3462	300	35	e	e	X
fsr-3462	300	36	re	re	X
fsr-3462	300	37	p	p	NOUN
fsr-3462	300	38	ay	ay	PROPN
fsr-3462	300	39	m	m	PROPN
fsr-3462	300	40	en	en	ADP
fsr-3462	300	41	t	t	PROPN
fsr-3462	300	42	b	b	PROPN
fsr-3462	300	43	eh	eh	INTJ
fsr-3462	300	44	av	av	PROPN
fsr-3462	300	45	io	io	NOUN
fsr-3462	300	46	r	r	NOUN
fsr-3462	300	47	o	o	NOUN
fsr-3462	300	48	n	n	ADP
fsr-3462	301	1	cr	cr	NOUN
fsr-3462	301	2	ed	ed	NOUN
fsr-3462	302	1	it	it	PRON
fsr-3462	302	2	ca	can	AUX
fsr-3462	302	3	rd	rd	VERB
fsr-3462	302	4	s.	s.	PROPN
fsr-3462	302	5	t	t	PROPN
fsr-3462	303	1	h	h	PROPN
fsr-3462	304	1	e	e	PROPN
fsr-3462	304	2	v	v	PROPN
fsr-3462	304	3	ar	ar	PROPN
fsr-3462	304	4	ia	ia	PROPN
fsr-3462	304	5	b	b	PROPN
fsr-3462	304	6	le	le	X
fsr-3462	304	7	ta	ta	PROPN
fsr-3462	304	8	k	k	PROPN
fsr-3462	304	9	es	es	X
fsr-3462	304	10	th	th	X
fsr-3462	304	11	e	e	X
fsr-3462	304	12	v	v	ADP
fsr-3462	304	13	al	al	PROPN
fsr-3462	304	14	u	u	PROPN
fsr-3462	304	15	es	es	ADP
fsr-3462	304	16	o	o	PROPN
fsr-3462	304	17	f	f	NOUN
fsr-3462	304	18	1	1	NUM
fsr-3462	304	19	=	=	SYM
fsr-3462	304	20	p	p	X
fsr-3462	304	21	ay	ay	NOUN
fsr-3462	304	22	in	in	ADP
fsr-3462	304	23	f	f	PROPN
fsr-3462	304	24	u	u	PROPN
fsr-3462	304	25	ll	ll	NOUN
fsr-3462	304	26	;	;	PUNCT
fsr-3462	304	27	2	2	X
fsr-3462	304	28	=	=	SYM
fsr-3462	304	29	p	p	X
fsr-3462	304	30	ay	ay	NOUN
fsr-3462	304	31	m	m	NOUN
fsr-3462	304	32	o	o	NOUN
fsr-3462	304	33	re	re	X
fsr-3462	304	34	th	th	X
fsr-3462	304	35	an	an	DET
fsr-3462	304	36	m	m	NOUN
fsr-3462	304	37	in	in	ADP
fsr-3462	304	38	i	i	PRON
fsr-3462	304	39	m	m	VERB
fsr-3462	304	40	u	u	NOUN
fsr-3462	304	41	m	m	PROPN
fsr-3462	304	42	,	,	PUNCT
fsr-3462	304	43	b	b	X
fsr-3462	304	44	u	u	X
fsr-3462	304	45	t	t	PROPN
fsr-3462	304	46	ca	can	AUX
fsr-3462	304	47	rr	rr	VERB
fsr-3462	304	48	y	y	PROPN
fsr-3462	304	49	m	m	VERB
fsr-3462	304	50	o	o	NOUN
fsr-3462	304	51	n	n	X
fsr-3462	304	52	th	th	INTJ
fsr-3462	305	1	-t	-t	PUNCT
fsr-3462	305	2	o	o	INTJ
fsr-3462	305	3	-m	-m	PUNCT
fsr-3462	305	4	o	o	X
fsr-3462	305	5	n	n	X
fsr-3462	305	6	th	th	X
fsr-3462	305	7	b	b	X
fsr-3462	305	8	al	al	PROPN
fsr-3462	305	9	an	an	PROPN
fsr-3462	305	10	ce	ce	PROPN
fsr-3462	305	11	;	;	PUNCT
fsr-3462	305	12	3	3	X
fsr-3462	305	13	=	=	SYM
fsr-3462	305	14	p	p	NOUN
fsr-3462	305	15	ay	ay	X
fsr-3462	305	16	o	o	X
fsr-3462	305	17	ff	ff	NOUN
fsr-3462	306	1	so	so	ADV
fsr-3462	306	2	m	m	VERB
fsr-3462	306	3	e	e	NOUN
fsr-3462	306	4	cr	cr	NOUN
fsr-3462	307	1	ed	ed	NOUN
fsr-3462	308	1	it	it	PRON
fsr-3462	308	2	ca	can	AUX
fsr-3462	308	3	rd	rd	PROPN
fsr-3462	308	4	s	s	PROPN
fsr-3462	308	5	,	,	PUNCT
fsr-3462	308	6	b	b	PROPN
fsr-3462	308	7	u	u	NOUN
fsr-3462	308	8	t	t	X
fsr-3462	308	9	p	p	X
fsr-3462	308	10	ay	ay	PROPN
fsr-3462	308	11	s	s	PART
fsr-3462	308	12	m	m	NOUN
fsr-3462	308	13	in	in	ADP
fsr-3462	308	14	i	i	PRON
fsr-3462	308	15	m	m	VERB
fsr-3462	308	16	u	u	NOUN
fsr-3462	308	17	m	m	NOUN
fsr-3462	308	18	o	o	NOUN
fsr-3462	308	19	n	n	X
fsr-3462	308	20	th	th	X
fsr-3462	308	21	e	e	X
fsr-3462	308	22	re	re	X
fsr-3462	308	23	st	st	PROPN
fsr-3462	308	24	;	;	PUNCT
fsr-3462	308	25	4	4	NUM
fsr-3462	308	26	=	=	SYM
fsr-3462	308	27	p	p	X
fsr-3462	308	28	ay	ay	NOUN
fsr-3462	308	29	m	m	NOUN
fsr-3462	308	30	in	in	ADP
fsr-3462	308	31	i	i	PRON
fsr-3462	308	32	m	m	VERB
fsr-3462	308	33	u	u	NOUN
fsr-3462	308	34	m	m	VERB
fsr-3462	308	35	in	in	ADP
fsr-3462	308	36	al	al	PROPN
fsr-3462	308	37	l	l	PROPN
fsr-3462	308	38	;	;	PUNCT
fsr-3462	308	39	5	5	NUM
fsr-3462	308	40	=	=	SYM
fsr-3462	308	41	p	p	NOUN
fsr-3462	308	42	ay	ay	X
fsr-3462	308	43	le	le	X
fsr-3462	308	44	ss	ss	NOUN
fsr-3462	308	45	th	th	X
fsr-3462	308	46	an	an	DET
fsr-3462	308	47	m	m	NOUN
fsr-3462	308	48	in	in	ADP
fsr-3462	308	49	i	i	PRON
fsr-3462	308	50	m	m	VERB
fsr-3462	308	51	u	u	NOUN
fsr-3462	308	52	m	m	VERB
fsr-3462	308	53	in	in	ADP
fsr-3462	308	54	al	al	PROPN
fsr-3462	308	55	l.	l.	PROPN
fsr-3462	308	56	6	6	NUM
fsr-3462	308	57	=	=	SYM
fsr-3462	308	58	1	1	NUM
fsr-3462	308	59	=	=	SYM
fsr-3462	308	60	p	p	NOUN
fsr-3462	308	61	ar	ar	PROPN
fsr-3462	308	62	en	en	X
fsr-3462	308	63	ts	ts	ADP
fsr-3462	308	64	p	p	X
fsr-3462	308	65	ay	ay	PROPN
fsr-3462	308	66	in	in	ADP
fsr-3462	308	67	fu	fu	PROPN
fsr-3462	309	1	ll	ll	AUX
fsr-3462	309	2	w	w	PROPN
fsr-3462	309	3	il	il	PROPN
fsr-3462	309	4	l	l	PROPN
fsr-3462	309	5	b	b	PROPN
fsr-3462	309	6	e	e	X
fsr-3462	309	7	th	th	X
fsr-3462	309	8	e	e	PROPN
fsr-3462	309	9	as	as	ADP
fsr-3462	309	10	su	su	PROPN
fsr-3462	309	11	m	m	PROPN
fsr-3462	309	12	p	p	NOUN
fsr-3462	309	13	ti	ti	X
fsr-3462	309	14	o	o	NOUN
fsr-3462	309	15	n	n	NOUN
fsr-3462	309	16	.	.	PUNCT
fsr-3462	310	1	su	su	PROPN
fsr-3462	310	2	rp	rp	PROPN
fsr-3462	310	3	ri	ri	PROPN
fsr-3462	310	4	se	se	PROPN
fsr-3462	310	5	d	d	PROPN
fsr-3462	310	6	d	d	PROPN
fsr-3462	310	7	efi	efi	PROPN
fsr-3462	310	8	n	n	ADV
fsr-3462	310	9	es	es	X
fsr-3462	310	10	th	th	X
fsr-3462	310	11	e	e	X
fsr-3462	310	12	le	le	X
fsr-3462	310	13	v	v	PROPN
fsr-3462	310	14	el	el	PROPN
fsr-3462	310	15	o	o	PROPN
fsr-3462	311	1	f	f	PROPN
fsr-3462	311	2	su	su	PROPN
fsr-3462	311	3	rp	rp	PROPN
fsr-3462	311	4	ri	ri	PROPN
fsr-3462	311	5	se	se	PROPN
fsr-3462	311	6	th	th	X
fsr-3462	311	7	e	e	PROPN
fsr-3462	311	8	in	in	ADP
fsr-3462	311	9	d	d	PROPN
fsr-3462	311	10	iv	iv	INTJ
fsr-3462	311	11	i	i	PROPN
fsr-3462	311	12	d	d	PROPN
fsr-3462	311	13	u	u	X
fsr-3462	311	14	al	al	PROPN
fsr-3462	311	15	re	re	PROPN
fsr-3462	311	16	p	p	PROPN
fsr-3462	311	17	o	o	X
fsr-3462	311	18	rt	rt	PROPN
fsr-3462	311	19	s	s	PROPN
fsr-3462	311	20	o	o	NOUN
fsr-3462	312	1	n	n	NUM
fsr-3462	312	2	h	h	NOUN
fsr-3462	313	1	o	o	NOUN
fsr-3462	313	2	w	w	NOUN
fsr-3462	313	3	h	h	NOUN
fsr-3462	314	1	ig	ig	INTJ
fsr-3462	315	1	h	h	NOUN
fsr-3462	316	1	o	o	NOUN
fsr-3462	316	2	f	f	PROPN
fsr-3462	317	1	a	a	DET
fsr-3462	317	2	b	b	PROPN
fsr-3462	317	3	al	al	PROPN
fsr-3462	317	4	an	an	PROPN
fsr-3462	317	5	ce	ce	PROPN
fsr-3462	317	6	is	be	AUX
fsr-3462	317	7	o	o	PROPN
fsr-3462	317	8	n	n	ADV
fsr-3462	317	9	th	th	X
fsr-3462	317	10	e	e	NOUN
fsr-3462	317	11	m	m	NOUN
fsr-3462	317	12	o	o	NOUN
fsr-3462	317	13	n	n	ADV
fsr-3462	317	14	th	th	X
fsr-3462	317	15	ly	ly	X
fsr-3462	317	16	st	st	PROPN
fsr-3462	317	17	at	at	ADP
fsr-3462	317	18	em	em	PRON
fsr-3462	317	19	en	en	PROPN
fsr-3462	317	20	t.	t.	PROPN
fsr-3462	317	21	t	t	PROPN
fsr-3462	317	22	h	h	PROPN
fsr-3462	317	23	e	e	PROPN
fsr-3462	317	24	v	v	PROPN
fsr-3462	317	25	ar	ar	PROPN
fsr-3462	317	26	ia	ia	PROPN
fsr-3462	317	27	b	b	PROPN
fsr-3462	317	28	le	le	X
fsr-3462	317	29	ta	ta	PROPN
fsr-3462	317	30	k	k	PROPN
fsr-3462	317	31	es	es	X
fsr-3462	317	32	th	th	X
fsr-3462	317	33	e	e	X
fsr-3462	317	34	v	v	ADP
fsr-3462	317	35	al	al	PROPN
fsr-3462	317	36	u	u	PROPN
fsr-3462	317	37	es	es	ADP
fsr-3462	317	38	o	o	PROPN
fsr-3462	317	39	f	f	NOUN
fsr-3462	317	40	0	0	NUM
fsr-3462	318	1	=	=	SYM
fsr-3462	318	2	n	n	PART
fsr-3462	318	3	ev	ev	INTJ
fsr-3462	318	4	er	er	INTJ
fsr-3462	318	5	,	,	PUNCT
fsr-3462	318	6	1	1	NUM
fsr-3462	318	7	=	=	SYM
fsr-3462	318	8	r	r	NOUN
fsr-3462	318	9	ar	ar	PROPN
fsr-3462	318	10	el	el	PROPN
fsr-3462	318	11	y	y	PROPN
fsr-3462	318	12	,	,	PUNCT
fsr-3462	318	13	2	2	NUM
fsr-3462	318	14	=	=	SYM
fsr-3462	318	15	s	s	PART
fsr-3462	318	16	o	o	NOUN
fsr-3462	318	17	m	m	VERB
fsr-3462	318	18	et	et	NOUN
fsr-3462	319	1	i	i	PRON
fsr-3462	319	2	m	m	VERB
fsr-3462	319	3	es	es	INTJ
fsr-3462	319	4	,	,	PUNCT
fsr-3462	319	5	3	3	NUM
fsr-3462	319	6	=	=	SYM
fsr-3462	319	7	f	f	X
fsr-3462	319	8	re	re	X
fsr-3462	319	9	q	q	PROPN
fsr-3462	319	10	u	u	PROPN
fsr-3462	319	11	en	en	ADP
fsr-3462	319	12	tl	tl	PROPN
fsr-3462	319	13	y	y	PROPN
fsr-3462	319	14	.	.	PUNCT
fsr-3462	320	1	o	o	X
fsr-3462	320	2	ve	ve	VERB
fsr-3462	320	3	rs	rs	PROPN
fsr-3462	320	4	pd	pd	PROPN
fsr-3462	320	5	d	d	PROPN
fsr-3462	320	6	efi	efi	PROPN
fsr-3462	320	7	n	n	ADV
fsr-3462	320	8	es	es	X
fsr-3462	320	9	th	th	X
fsr-3462	320	10	e	e	PROPN
fsr-3462	320	11	b	b	PROPN
fsr-3462	320	12	eh	eh	INTJ
fsr-3462	320	13	av	av	PROPN
fsr-3462	320	14	io	io	NOUN
fsr-3462	320	15	r	r	NOUN
fsr-3462	320	16	o	o	X
fsr-3462	320	17	f	f	X
fsr-3462	320	18	th	th	X
fsr-3462	320	19	e	e	NOUN
fsr-3462	320	20	in	in	ADP
fsr-3462	320	21	d	d	PROPN
fsr-3462	320	22	iv	iv	INTJ
fsr-3462	321	1	i	i	PROPN
fsr-3462	321	2	d	d	PROPN
fsr-3462	321	3	u	u	X
fsr-3462	321	4	al	al	PROPN
fsr-3462	321	5	re	re	VERB
fsr-3462	321	6	g	g	PROPN
fsr-3462	321	7	ar	ar	PROPN
fsr-3462	321	8	d	d	PROPN
fsr-3462	321	9	in	in	ADP
fsr-3462	321	10	g	g	PROPN
fsr-3462	321	11	th	th	X
fsr-3462	321	12	e	e	NOUN
fsr-3462	321	13	in	in	ADP
fsr-3462	321	14	d	d	PROPN
fsr-3462	321	15	iv	iv	INTJ
fsr-3462	321	16	i	i	PROPN
fsr-3462	321	17	d	d	PROPN
fsr-3462	321	18	u	u	PROPN
fsr-3462	321	19	al	al	PROPN
fsr-3462	321	20	k	k	PROPN
fsr-3462	321	21	n	n	PRON
fsr-3462	321	22	o	o	X
fsr-3462	321	23	w	w	NOUN
fsr-3462	321	24	in	in	ADP
fsr-3462	321	25	g	g	PROPN
fsr-3462	321	26	th	th	NUM
fsr-3462	321	27	at	at	ADP
fsr-3462	321	28	sh	sh	PROPN
fsr-3462	321	29	e	e	NOUN
fsr-3462	321	30	o	o	NOUN
fsr-3462	321	31	r	r	NOUN
fsr-3462	321	32	h	h	NOUN
fsr-3462	321	33	e	e	X
fsr-3462	321	34	u	u	X
fsr-3462	321	35	se	se	X
fsr-3462	321	36	th	th	X
fsr-3462	321	37	e	e	X
fsr-3462	321	38	cr	cr	PROPN
fsr-3462	321	39	ed	ed	PROPN
fsr-3462	322	1	it	it	PRON
fsr-3462	322	2	ca	can	AUX
fsr-3462	322	3	rd	rd	VERB
fsr-3462	322	4	k	k	PROPN
fsr-3462	322	5	n	n	PROPN
fsr-3462	322	6	o	o	X
fsr-3462	322	7	w	w	NOUN
fsr-3462	322	8	in	in	ADP
fsr-3462	322	9	g	g	PROPN
fsr-3462	322	10	th	th	NUM
fsr-3462	322	11	at	at	ADP
fsr-3462	322	12	sh	sh	PROPN
fsr-3462	323	1	e	e	NOUN
fsr-3462	323	2	o	o	NOUN
fsr-3462	323	3	r	r	NOUN
fsr-3462	323	4	h	h	NOUN
fsr-3462	324	1	e	e	PROPN
fsr-3462	325	1	d	d	PUNCT
fsr-3462	326	1	i	i	PROPN
fsr-3462	327	1	d	d	PROPN
fsr-3462	327	2	n	n	PROPN
fsr-3462	327	3	o	o	X
fsr-3462	327	4	t	t	NOUN
fsr-3462	327	5	h	h	NOUN
fsr-3462	327	6	av	av	PROPN
fsr-3462	328	1	e	e	NOUN
fsr-3462	328	2	m	m	VERB
fsr-3462	328	3	o	o	VERB
fsr-3462	328	4	n	n	ADV
fsr-3462	328	5	ey	ey	INTJ
fsr-3462	328	6	to	to	ADP
fsr-3462	328	7	p	p	PROPN
fsr-3462	328	8	ay	ay	PROPN
fsr-3462	328	9	w	w	PROPN
fsr-3462	328	10	h	h	PROPN
fsr-3462	328	11	en	en	X
fsr-3462	328	12	th	th	X
fsr-3462	328	13	e	e	X
fsr-3462	328	14	b	b	PROPN
fsr-3462	328	15	il	il	PROPN
fsr-3462	328	16	l	l	PROPN
fsr-3462	329	1	ca	can	AUX
fsr-3462	329	2	m	m	NOUN
fsr-3462	329	3	e	e	NOUN
fsr-3462	329	4	d	d	X
fsr-3462	329	5	u	u	PROPN
fsr-3462	329	6	e.	e.	PROPN
fsr-3462	329	7	t	t	PROPN
fsr-3462	329	8	h	h	PROPN
fsr-3462	329	9	e	e	PROPN
fsr-3462	329	10	v	v	PROPN
fsr-3462	329	11	ar	ar	PROPN
fsr-3462	329	12	ia	ia	PROPN
fsr-3462	329	13	b	b	PROPN
fsr-3462	329	14	le	le	X
fsr-3462	329	15	ta	ta	PROPN
fsr-3462	329	16	k	k	PROPN
fsr-3462	329	17	es	es	X
fsr-3462	329	18	th	th	X
fsr-3462	329	19	e	e	X
fsr-3462	329	20	v	v	ADP
fsr-3462	329	21	al	al	PROPN
fsr-3462	329	22	u	u	PROPN
fsr-3462	329	23	es	es	ADP
fsr-3462	329	24	o	o	PROPN
fsr-3462	329	25	f	f	NOUN
fsr-3462	329	26	0	0	NUM
fsr-3462	330	1	=	=	SYM
fsr-3462	330	2	n	n	PART
fsr-3462	330	3	ev	ev	INTJ
fsr-3462	330	4	er	er	INTJ
fsr-3462	330	5	,	,	PUNCT
fsr-3462	330	6	1	1	NUM
fsr-3462	330	7	=	=	SYM
fsr-3462	330	8	ra	ra	NOUN
fsr-3462	330	9	re	re	ADP
fsr-3462	330	10	ly	ly	X
fsr-3462	330	11	,	,	PUNCT
fsr-3462	330	12	2	2	X
fsr-3462	330	13	=	=	SYM
fsr-3462	331	1	so	so	ADV
fsr-3462	331	2	m	m	VERB
fsr-3462	331	3	et	et	VERB
fsr-3462	332	1	i	i	PRON
fsr-3462	332	2	m	m	VERB
fsr-3462	332	3	es	es	INTJ
fsr-3462	332	4	,	,	PUNCT
fsr-3462	332	5	3	3	NUM
fsr-3462	332	6	=	=	NOUN
fsr-3462	332	7	fr	fr	NOUN
fsr-3462	332	8	eq	eq	ADP
fsr-3462	332	9	u	u	PROPN
fsr-3462	332	10	en	en	ADP
fsr-3462	332	11	tl	tl	PROPN
fsr-3462	332	12	y	y	PROPN
fsr-3462	332	13	.	.	PUNCT
fsr-3462	333	1	f	f	PROPN
fsr-3462	334	1	in	in	ADP
fsr-3462	334	2	al	al	PROPN
fsr-3462	334	3	ly	ly	PROPN
fsr-3462	334	4	,	,	PUNCT
fsr-3462	334	5	n	n	PROPN
fsr-3462	334	6	c	c	NOUN
fsr-3462	334	7	c	c	NOUN
fsr-3462	334	8	is	be	AUX
fsr-3462	334	9	a	a	DET
fsr-3462	334	10	co	co	X
fsr-3462	334	11	u	u	PROPN
fsr-3462	334	12	n	n	ADP
fsr-3462	334	13	t	t	PROPN
fsr-3462	334	14	v	v	NUM
fsr-3462	334	15	ar	ar	PROPN
fsr-3462	334	16	ia	ia	PROPN
fsr-3462	334	17	b	b	PROPN
fsr-3462	334	18	le	le	X
fsr-3462	334	19	m	m	PROPN
fsr-3462	334	20	ea	ea	PROPN
fsr-3462	334	21	su	su	PROPN
fsr-3462	334	22	ri	ri	PROPN
fsr-3462	335	1	n	n	ADV
fsr-3462	335	2	g	g	NOUN
fsr-3462	335	3	th	th	X
fsr-3462	335	4	e	e	X
fsr-3462	335	5	n	n	CCONJ
fsr-3462	335	6	u	u	PROPN
fsr-3462	335	7	m	m	NOUN
fsr-3462	335	8	b	b	NOUN
fsr-3462	335	9	er	er	INTJ
fsr-3462	335	10	o	o	X
fsr-3462	335	11	f	f	NOUN
fsr-3462	336	1	cr	cr	INTJ
fsr-3462	336	2	ed	ed	PROPN
fsr-3462	337	1	it	it	PRON
fsr-3462	337	2	ca	can	AUX
fsr-3462	337	3	rd	rd	VERB
fsr-3462	337	4	s	s	PRON
fsr-3462	337	5	an	an	PRON
fsr-3462	337	6	in	in	ADP
fsr-3462	337	7	d	d	PROPN
fsr-3462	337	8	iv	iv	NOUN
fsr-3462	337	9	i	i	PROPN
fsr-3462	337	10	d	d	PROPN
fsr-3462	337	11	u	u	PROPN
fsr-3462	338	1	al	al	PROPN
fsr-3462	338	2	p	p	NOUN
fsr-3462	338	3	o	o	X
fsr-3462	338	4	ss	ss	NOUN
fsr-3462	338	5	es	es	X
fsr-3462	338	6	se	se	PROPN
fsr-3462	338	7	s.	s.	PROPN
fsr-3462	338	8	260	260	NUM
fsr-3462	338	9	g.	g.	PROPN
fsr-3462	338	10	barboza	barboza	PROPN
fsr-3462	338	11	et	et	PROPN
fsr-3462	338	12	al	al	PROPN
fsr-3462	338	13	.	.	PUNCT
fsr-3462	338	14	/	/	SYM
fsr-3462	338	15	financial	financial	ADJ
fsr-3462	338	16	services	service	NOUN
fsr-3462	338	17	review	review	VERB
fsr-3462	338	18	29	29	NUM
fsr-3462	338	19	(	(	PUNCT
fsr-3462	338	20	2021	2021	NUM
fsr-3462	338	21	)	)	PUNCT
fsr-3462	338	22	247–276	247–276	NUM
fsr-3462	338	23	minimum	minimum	NOUN
fsr-3462	338	24	required	require	VERB
fsr-3462	338	25	,	,	PUNCT
fsr-3462	338	26	3	3	NUM
fsr-3462	338	27	=	=	PUNCT
fsr-3462	338	28	pay	pay	VERB
fsr-3462	338	29	more	more	ADJ
fsr-3462	338	30	than	than	ADP
fsr-3462	338	31	minimum	minimum	NOUN
fsr-3462	338	32	required	require	VERB
fsr-3462	338	33	but	but	CCONJ
fsr-3462	338	34	not	not	PART
fsr-3462	338	35	in	in	ADP
fsr-3462	338	36	full	full	ADJ
fsr-3462	338	37	,	,	PUNCT
fsr-3462	338	38	4	4	NUM
fsr-3462	338	39	=	=	PUNCT
fsr-3462	338	40	pay	pay	VERB
fsr-3462	338	41	minimum	minimum	NOUN
fsr-3462	338	42	required	require	VERB
fsr-3462	338	43	,	,	PUNCT
fsr-3462	338	44	5	5	NUM
fsr-3462	338	45	=	=	PUNCT
fsr-3462	338	46	pay	pay	VERB
fsr-3462	338	47	less	less	ADJ
fsr-3462	338	48	than	than	ADP
fsr-3462	338	49	minimum	minimum	NOUN
fsr-3462	338	50	required	require	VERB
fsr-3462	338	51	.	.	PUNCT
fsr-3462	339	1	therefore	therefore	ADV
fsr-3462	339	2	,	,	PUNCT
fsr-3462	339	3	our	our	PRON
fsr-3462	339	4	dependent	dependent	ADJ
fsr-3462	339	5	variable	variable	NOUN
fsr-3462	339	6	(	(	PUNCT
fsr-3462	339	7	rfreq	rfreq	PROPN
fsr-3462	339	8	)	)	PUNCT
fsr-3462	339	9	takes	take	VERB
fsr-3462	339	10	discrete	discrete	ADJ
fsr-3462	339	11	values	value	NOUN
fsr-3462	339	12	along	along	ADP
fsr-3462	339	13	the	the	DET
fsr-3462	339	14	scale	scale	NOUN
fsr-3462	339	15	1	1	NUM
fsr-3462	339	16	to	to	PART
fsr-3462	339	17	5	5	NUM
fsr-3462	339	18	.	.	PUNCT
fsr-3462	339	19	notice	notice	VERB
fsr-3462	339	20	that	that	SCONJ
fsr-3462	339	21	rfreq	rfreq	NOUN
fsr-3462	339	22	of	of	ADP
fsr-3462	339	23	values	value	NOUN
fsr-3462	339	24	ranging	range	VERB
fsr-3462	339	25	from	from	ADP
fsr-3462	339	26	2	2	NUM
fsr-3462	339	27	to	to	PART
fsr-3462	339	28	5	5	NUM
fsr-3462	339	29	results	result	NOUN
fsr-3462	339	30	in	in	ADP
fsr-3462	339	31	accumulation	accumulation	NOUN
fsr-3462	339	32	of	of	ADP
fsr-3462	339	33	month	month	NOUN
fsr-3462	339	34	-	-	PUNCT
fsr-3462	339	35	to	to	ADP
fsr-3462	339	36	-	-	PUNCT
fsr-3462	339	37	month	month	NOUN
fsr-3462	339	38	balance	balance	NOUN
fsr-3462	339	39	,	,	PUNCT
fsr-3462	339	40	with	with	ADP
fsr-3462	339	41	the	the	DET
fsr-3462	339	42	risk	risk	NOUN
fsr-3462	339	43	of	of	ADP
fsr-3462	339	44	incurring	incur	VERB
fsr-3462	339	45	high	high	ADJ
fsr-3462	339	46	financial	financial	ADJ
fsr-3462	339	47	costs	cost	NOUN
fsr-3462	339	48	related	relate	VERB
fsr-3462	339	49	to	to	ADP
fsr-3462	339	50	interest	interest	NOUN
fsr-3462	339	51	rates	rate	NOUN
fsr-3462	339	52	and	and	CCONJ
fsr-3462	339	53	possibly	possibly	ADV
fsr-3462	339	54	other	other	ADJ
fsr-3462	339	55	assessed	assessed	ADJ
fsr-3462	339	56	fees	fee	NOUN
fsr-3462	339	57	.	.	PUNCT
fsr-3462	340	1	in	in	ADP
fsr-3462	340	2	consideration	consideration	NOUN
fsr-3462	340	3	of	of	ADP
fsr-3462	340	4	the	the	DET
fsr-3462	340	5	ordinal	ordinal	ADJ
fsr-3462	340	6	nature	nature	NOUN
fsr-3462	340	7	of	of	ADP
fsr-3462	340	8	the	the	DET
fsr-3462	340	9	dependent	dependent	ADJ
fsr-3462	340	10	variable	variable	NOUN
fsr-3462	340	11	,	,	PUNCT
fsr-3462	340	12	the	the	DET
fsr-3462	340	13	most	most	ADV
fsr-3462	340	14	appropriate	appropriate	ADJ
fsr-3462	340	15	model	model	NOUN
fsr-3462	340	16	to	to	PART
fsr-3462	340	17	use	use	VERB
fsr-3462	340	18	is	be	AUX
fsr-3462	340	19	an	an	DET
fsr-3462	340	20	ordered	order	VERB
fsr-3462	340	21	probit	probit	NOUN
fsr-3462	340	22	model	model	NOUN
fsr-3462	340	23	.	.	PUNCT
fsr-3462	341	1	the	the	DET
fsr-3462	341	2	main	main	ADJ
fsr-3462	341	3	difference	difference	NOUN
fsr-3462	341	4	among	among	ADP
fsr-3462	341	5	the	the	DET
fsr-3462	341	6	models	model	NOUN
fsr-3462	341	7	regards	regard	VERB
fsr-3462	341	8	the	the	DET
fsr-3462	341	9	financial	financial	ADJ
fsr-3462	341	10	literacy	literacy	NOUN
fsr-3462	341	11	variable	variable	NOUN
fsr-3462	341	12	.	.	PUNCT
fsr-3462	342	1	due	due	ADP
fsr-3462	342	2	to	to	ADP
fsr-3462	342	3	our	our	PRON
fsr-3462	342	4	interest	interest	NOUN
fsr-3462	342	5	to	to	PART
fsr-3462	342	6	test	test	VERB
fsr-3462	342	7	for	for	ADP
fsr-3462	342	8	both	both	CCONJ
fsr-3462	342	9	knowledge	knowledge	NOUN
fsr-3462	342	10	and	and	CCONJ
fsr-3462	342	11	lack	lack	NOUN
fsr-3462	342	12	of	of	ADP
fsr-3462	342	13	knowledge	knowledge	NOUN
fsr-3462	342	14	,	,	PUNCT
fsr-3462	342	15	we	we	PRON
fsr-3462	342	16	decompose	decompose	VERB
fsr-3462	342	17	the	the	DET
fsr-3462	342	18	responses	response	NOUN
fsr-3462	342	19	given	give	VERB
fsr-3462	342	20	by	by	ADP
fsr-3462	342	21	individuals	individual	NOUN
fsr-3462	342	22	between	between	ADP
fsr-3462	342	23	correct	correct	ADJ
fsr-3462	342	24	,	,	PUNCT
fsr-3462	342	25	incorrect	incorrect	ADJ
fsr-3462	342	26	and	and	CCONJ
fsr-3462	342	27	do	do	AUX
fsr-3462	342	28	not	not	PART
fsr-3462	342	29	know	know	VERB
fsr-3462	342	30	classifications	classification	NOUN
fsr-3462	342	31	,	,	PUNCT
fsr-3462	342	32	per	per	ADP
fsr-3462	342	33	our	our	PRON
fsr-3462	342	34	discussion	discussion	NOUN
fsr-3462	342	35	in	in	ADP
fsr-3462	342	36	the	the	DET
fsr-3462	342	37	previous	previous	ADJ
fsr-3462	342	38	section	section	NOUN
fsr-3462	342	39	.	.	PUNCT
fsr-3462	343	1	in	in	ADP
fsr-3462	343	2	the	the	DET
fsr-3462	343	3	first	first	ADJ
fsr-3462	343	4	model	model	NOUN
fsr-3462	343	5	we	we	PRON
fsr-3462	343	6	consider	consider	VERB
fsr-3462	343	7	as	as	SCONJ
fsr-3462	343	8	financial	financial	ADJ
fsr-3462	343	9	literacy	literacy	NOUN
fsr-3462	343	10	variable	variable	NOUN
fsr-3462	343	11	the	the	DET
fsr-3462	343	12	number	number	NOUN
fsr-3462	343	13	of	of	ADP
fsr-3462	343	14	correct	correct	ADJ
fsr-3462	343	15	answers	answer	NOUN
fsr-3462	343	16	.	.	PUNCT
fsr-3462	344	1	in	in	ADP
fsr-3462	344	2	the	the	DET
fsr-3462	344	3	second	second	ADJ
fsr-3462	344	4	model	model	NOUN
fsr-3462	344	5	we	we	PRON
fsr-3462	344	6	consider	consider	VERB
fsr-3462	344	7	the	the	DET
fsr-3462	344	8	number	number	NOUN
fsr-3462	344	9	of	of	ADP
fsr-3462	344	10	questions	question	NOUN
fsr-3462	344	11	where	where	SCONJ
fsr-3462	344	12	the	the	DET
fsr-3462	344	13	students	student	NOUN
fsr-3462	344	14	said	say	VERB
fsr-3462	344	15	that	that	SCONJ
fsr-3462	344	16	he	he	PRON
fsr-3462	344	17	does	do	AUX
fsr-3462	344	18	not	not	PART
fsr-3462	344	19	know	know	VERB
fsr-3462	344	20	the	the	DET
fsr-3462	344	21	answers	answer	NOUN
fsr-3462	344	22	,	,	PUNCT
fsr-3462	344	23	and	and	CCONJ
fsr-3462	344	24	in	in	ADP
fsr-3462	344	25	the	the	DET
fsr-3462	344	26	last	last	ADJ
fsr-3462	344	27	model	model	NOUN
fsr-3462	344	28	we	we	PRON
fsr-3462	344	29	consider	consider	VERB
fsr-3462	344	30	the	the	DET
fsr-3462	344	31	number	number	NOUN
fsr-3462	344	32	of	of	ADP
fsr-3462	344	33	incorrect	incorrect	ADJ
fsr-3462	344	34	answers	answer	NOUN
fsr-3462	344	35	.	.	PUNCT
fsr-3462	345	1	furthermore	furthermore	ADV
fsr-3462	345	2	,	,	PUNCT
fsr-3462	345	3	because	because	SCONJ
fsr-3462	345	4	each	each	PRON
fsr-3462	345	5	of	of	ADP
fsr-3462	345	6	the	the	DET
fsr-3462	345	7	financial	financial	ADJ
fsr-3462	345	8	literacy	literacy	NOUN
fsr-3462	345	9	questions	question	NOUN
fsr-3462	345	10	measures	measure	VERB
fsr-3462	345	11	knowledge	knowledge	NOUN
fsr-3462	345	12	of	of	ADP
fsr-3462	345	13	different	different	ADJ
fsr-3462	345	14	financial	financial	ADJ
fsr-3462	345	15	issues	issue	NOUN
fsr-3462	345	16	(	(	PUNCT
fsr-3462	345	17	more	more	ADJ
fsr-3462	345	18	or	or	CCONJ
fsr-3462	345	19	less	less	ADV
fsr-3462	345	20	directly	directly	ADV
fsr-3462	345	21	related	relate	VERB
fsr-3462	345	22	to	to	ADP
fsr-3462	345	23	our	our	PRON
fsr-3462	345	24	dependent	dependent	ADJ
fsr-3462	345	25	variable	variable	NOUN
fsr-3462	345	26	,	,	PUNCT
fsr-3462	345	27	i.e.	i.e.	X
fsr-3462	345	28	,	,	PUNCT
fsr-3462	345	29	credit	credit	NOUN
fsr-3462	345	30	card	card	NOUN
fsr-3462	345	31	repayment	repayment	NOUN
fsr-3462	345	32	)	)	PUNCT
fsr-3462	345	33	,	,	PUNCT
fsr-3462	345	34	we	we	PRON
fsr-3462	345	35	also	also	ADV
fsr-3462	345	36	proceed	proceed	VERB
fsr-3462	345	37	to	to	PART
fsr-3462	345	38	conduct	conduct	VERB
fsr-3462	345	39	estimations	estimation	NOUN
fsr-3462	345	40	by	by	ADP
fsr-3462	345	41	question.7	question.7	NOUN
fsr-3462	345	42	thus	thus	ADV
fsr-3462	345	43	,	,	PUNCT
fsr-3462	345	44	we	we	PRON
fsr-3462	345	45	propose	propose	VERB
fsr-3462	345	46	to	to	PART
fsr-3462	345	47	estimate	estimate	VERB
fsr-3462	345	48	the	the	DET
fsr-3462	345	49	impact	impact	NOUN
fsr-3462	345	50	of	of	ADP
fsr-3462	345	51	each	each	DET
fsr-3462	345	52	financial	financial	ADJ
fsr-3462	345	53	issue	issue	NOUN
fsr-3462	345	54	on	on	ADP
fsr-3462	345	55	the	the	DET
fsr-3462	345	56	financial	financial	ADJ
fsr-3462	345	57	behavior	behavior	NOUN
fsr-3462	345	58	under	under	ADP
fsr-3462	345	59	investigation	investigation	NOUN
fsr-3462	345	60	:	:	PUNCT
fsr-3462	345	61	our	our	PRON
fsr-3462	345	62	intuition	intuition	NOUN
fsr-3462	345	63	is	be	AUX
fsr-3462	345	64	that	that	SCONJ
fsr-3462	345	65	some	some	DET
fsr-3462	345	66	questions	question	NOUN
fsr-3462	345	67	may	may	AUX
fsr-3462	345	68	be	be	AUX
fsr-3462	345	69	more	more	ADV
fsr-3462	345	70	relevant	relevant	ADJ
fsr-3462	345	71	(	(	PUNCT
fsr-3462	345	72	have	have	AUX
fsr-3462	345	73	a	a	DET
fsr-3462	345	74	larger	large	ADJ
fsr-3462	345	75	impact	impact	NOUN
fsr-3462	345	76	)	)	PUNCT
fsr-3462	345	77	and	and	CCONJ
fsr-3462	345	78	the	the	DET
fsr-3462	345	79	separation	separation	NOUN
fsr-3462	345	80	of	of	ADP
fsr-3462	345	81	effects	effect	NOUN
fsr-3462	345	82	may	may	AUX
fsr-3462	345	83	yield	yield	VERB
fsr-3462	345	84	relevant	relevant	ADJ
fsr-3462	345	85	results	result	NOUN
fsr-3462	345	86	,	,	PUNCT
fsr-3462	345	87	when	when	SCONJ
fsr-3462	345	88	understanding	understand	VERB
fsr-3462	345	89	credit	credit	NOUN
fsr-3462	345	90	card	card	NOUN
fsr-3462	345	91	repayment	repayment	NOUN
fsr-3462	345	92	patterns	pattern	NOUN
fsr-3462	345	93	.	.	PUNCT
fsr-3462	346	1	in	in	ADP
fsr-3462	346	2	all	all	DET
fsr-3462	346	3	the	the	DET
fsr-3462	346	4	specifications	specification	NOUN
fsr-3462	346	5	,	,	PUNCT
fsr-3462	346	6	we	we	PRON
fsr-3462	346	7	consider	consider	VERB
fsr-3462	346	8	all	all	DET
fsr-3462	346	9	the	the	DET
fsr-3462	346	10	personality	personality	NOUN
fsr-3462	346	11	trait	trait	NOUN
fsr-3462	346	12	variables	variable	NOUN
fsr-3462	346	13	and	and	CCONJ
fsr-3462	346	14	the	the	DET
fsr-3462	346	15	presence	presence	NOUN
fsr-3462	346	16	of	of	ADP
fsr-3462	346	17	financial	financial	ADJ
fsr-3462	346	18	education	education	NOUN
fsr-3462	346	19	from	from	ADP
fsr-3462	346	20	parents	parent	NOUN
fsr-3462	346	21	;	;	PUNCT
fsr-3462	346	22	plus	plus	CCONJ
fsr-3462	346	23	,	,	PUNCT
fsr-3462	346	24	as	as	ADP
fsr-3462	346	25	control	control	NOUN
fsr-3462	346	26	variable	variable	NOUN
fsr-3462	346	27	we	we	PRON
fsr-3462	346	28	include	include	VERB
fsr-3462	346	29	the	the	DET
fsr-3462	346	30	total	total	ADJ
fsr-3462	346	31	number	number	NOUN
fsr-3462	346	32	of	of	ADP
fsr-3462	346	33	credit	credit	NOUN
fsr-3462	346	34	cards	card	NOUN
fsr-3462	346	35	possessed	possess	VERB
fsr-3462	346	36	by	by	ADP
fsr-3462	346	37	our	our	PRON
fsr-3462	346	38	sample	sample	NOUN
fsr-3462	346	39	students	student	NOUN
fsr-3462	346	40	(	(	PUNCT
fsr-3462	346	41	ncc	ncc	NOUN
fsr-3462	346	42	)	)	PUNCT
fsr-3462	346	43	.	.	PUNCT
fsr-3462	347	1	this	this	DET
fsr-3462	347	2	latter	latter	ADJ
fsr-3462	347	3	variable	variable	NOUN
fsr-3462	347	4	proves	prove	VERB
fsr-3462	347	5	to	to	PART
fsr-3462	347	6	be	be	AUX
fsr-3462	347	7	very	very	ADV
fsr-3462	347	8	much	much	ADV
fsr-3462	347	9	correlated	correlate	VERB
fsr-3462	347	10	to	to	ADP
fsr-3462	347	11	the	the	DET
fsr-3462	347	12	usual	usual	ADJ
fsr-3462	347	13	demographics	demographic	NOUN
fsr-3462	347	14	variables	variable	NOUN
fsr-3462	347	15	(	(	PUNCT
fsr-3462	347	16	age	age	NOUN
fsr-3462	347	17	,	,	PUNCT
fsr-3462	347	18	gender	gender	NOUN
fsr-3462	347	19	,	,	PUNCT
fsr-3462	347	20	race	race	NOUN
fsr-3462	347	21	,	,	PUNCT
fsr-3462	347	22	and	and	CCONJ
fsr-3462	347	23	academic	academic	ADJ
fsr-3462	347	24	status	status	NOUN
fsr-3462	347	25	)	)	PUNCT
fsr-3462	347	26	used	use	VERB
fsr-3462	347	27	as	as	ADP
fsr-3462	347	28	controls	control	NOUN
fsr-3462	347	29	;	;	PUNCT
fsr-3462	347	30	we	we	PRON
fsr-3462	347	31	choose	choose	VERB
fsr-3462	347	32	to	to	PART
fsr-3462	347	33	use	use	VERB
fsr-3462	347	34	ncc	ncc	NOUN
fsr-3462	347	35	as	as	ADP
fsr-3462	347	36	our	our	PRON
fsr-3462	347	37	single	single	ADJ
fsr-3462	347	38	control	control	NOUN
fsr-3462	347	39	variable	variable	NOUN
fsr-3462	347	40	because	because	SCONJ
fsr-3462	347	41	the	the	DET
fsr-3462	347	42	number	number	NOUN
fsr-3462	347	43	of	of	ADP
fsr-3462	347	44	observations	observation	NOUN
fsr-3462	347	45	suggested	suggest	VERB
fsr-3462	347	46	to	to	PART
fsr-3462	347	47	contain	contain	VERB
fsr-3462	347	48	the	the	DET
fsr-3462	347	49	number	number	NOUN
fsr-3462	347	50	of	of	ADP
fsr-3462	347	51	covariates.8	covariates.8	PROPN
fsr-3462	347	52	we	we	PRON
fsr-3462	347	53	then	then	ADV
fsr-3462	347	54	proceed	proceed	VERB
fsr-3462	347	55	to	to	PART
fsr-3462	347	56	incorporate	incorporate	VERB
fsr-3462	347	57	interaction	interaction	NOUN
fsr-3462	347	58	effects	effect	NOUN
fsr-3462	347	59	between	between	ADP
fsr-3462	347	60	the	the	DET
fsr-3462	347	61	overall	overall	ADJ
fsr-3462	347	62	scores	score	NOUN
fsr-3462	347	63	of	of	ADP
fsr-3462	347	64	financial	financial	ADJ
fsr-3462	347	65	literacy	literacy	NOUN
fsr-3462	347	66	,	,	PUNCT
fsr-3462	347	67	financial	financial	ADJ
fsr-3462	347	68	illiteracy	illiteracy	NOUN
fsr-3462	347	69	level	level	NOUN
fsr-3462	347	70	a	a	DET
fsr-3462	347	71	(	(	PUNCT
fsr-3462	347	72	incorrect	incorrect	ADJ
fsr-3462	347	73	)	)	PUNCT
fsr-3462	347	74	and	and	CCONJ
fsr-3462	348	1	level	level	NOUN
fsr-3462	348	2	b	b	PROPN
fsr-3462	348	3	(	(	PUNCT
fsr-3462	348	4	dnk	dnk	NOUN
fsr-3462	348	5	)	)	PUNCT
fsr-3462	348	6	,	,	PUNCT
fsr-3462	348	7	in	in	ADP
fsr-3462	348	8	relation	relation	NOUN
fsr-3462	348	9	to	to	ADP
fsr-3462	348	10	the	the	DET
fsr-3462	348	11	financial	financial	ADJ
fsr-3462	348	12	education	education	NOUN
fsr-3462	348	13	from	from	ADP
fsr-3462	348	14	parents	parent	NOUN
fsr-3462	348	15	and	and	CCONJ
fsr-3462	348	16	personality	personality	NOUN
fsr-3462	348	17	trait	trait	NOUN
fsr-3462	348	18	variables	variable	NOUN
fsr-3462	348	19	.	.	PUNCT
fsr-3462	349	1	in	in	ADP
fsr-3462	349	2	addition	addition	NOUN
fsr-3462	349	3	,	,	PUNCT
fsr-3462	349	4	and	and	CCONJ
fsr-3462	349	5	due	due	ADP
fsr-3462	349	6	to	to	ADP
fsr-3462	349	7	the	the	DET
fsr-3462	349	8	possibility	possibility	NOUN
fsr-3462	349	9	of	of	ADP
fsr-3462	349	10	endogeneity	endogeneity	NOUN
fsr-3462	349	11	in	in	ADP
fsr-3462	349	12	the	the	DET
fsr-3462	349	13	data	datum	NOUN
fsr-3462	349	14	,	,	PUNCT
fsr-3462	349	15	we	we	PRON
fsr-3462	349	16	conduct	conduct	VERB
fsr-3462	349	17	hausman	hausman	ADJ
fsr-3462	349	18	testing	testing	NOUN
fsr-3462	349	19	as	as	ADP
fsr-3462	349	20	a	a	DET
fsr-3462	349	21	robustness	robustness	NOUN
fsr-3462	349	22	indicator	indicator	NOUN
fsr-3462	349	23	.	.	PUNCT
fsr-3462	350	1	the	the	DET
fsr-3462	350	2	argument	argument	NOUN
fsr-3462	350	3	regarding	regard	VERB
fsr-3462	350	4	endogeneity	endogeneity	NOUN
fsr-3462	350	5	is	be	AUX
fsr-3462	350	6	justified	justify	VERB
fsr-3462	350	7	as	as	ADP
fsr-3462	350	8	the	the	DET
fsr-3462	350	9	possibility	possibility	NOUN
fsr-3462	350	10	of	of	ADP
fsr-3462	350	11	a	a	DET
fsr-3462	350	12	self	self	NOUN
fsr-3462	350	13	-	-	PUNCT
fsr-3462	350	14	selection	selection	NOUN
fsr-3462	350	15	problem	problem	NOUN
fsr-3462	350	16	in	in	ADP
fsr-3462	350	17	terms	term	NOUN
fsr-3462	350	18	of	of	ADP
fsr-3462	350	19	the	the	DET
fsr-3462	350	20	characteristics	characteristic	NOUN
fsr-3462	350	21	of	of	ADP
fsr-3462	350	22	those	those	PRON
fsr-3462	350	23	selecting	select	VERB
fsr-3462	350	24	to	to	PART
fsr-3462	350	25	apply	apply	VERB
fsr-3462	350	26	and	and	CCONJ
fsr-3462	350	27	obtain	obtain	VERB
fsr-3462	350	28	a	a	DET
fsr-3462	350	29	credit	credit	NOUN
fsr-3462	350	30	card	card	NOUN
fsr-3462	350	31	.	.	PUNCT
fsr-3462	351	1	however	however	ADV
fsr-3462	351	2	,	,	PUNCT
fsr-3462	351	3	the	the	DET
fsr-3462	351	4	counter	counter	ADJ
fsr-3462	351	5	argument	argument	NOUN
fsr-3462	351	6	indicates	indicate	VERB
fsr-3462	351	7	that	that	SCONJ
fsr-3462	351	8	in	in	ADP
fsr-3462	351	9	the	the	DET
fsr-3462	351	10	u.s	u.s	PROPN
fsr-3462	351	11	.	.	PROPN
fsr-3462	351	12	market	market	NOUN
fsr-3462	351	13	,	,	PUNCT
fsr-3462	351	14	young	young	ADJ
fsr-3462	351	15	adults	adult	NOUN
fsr-3462	351	16	need	need	VERB
fsr-3462	351	17	to	to	PART
fsr-3462	351	18	apply	apply	VERB
fsr-3462	351	19	for	for	ADP
fsr-3462	351	20	credit	credit	NOUN
fsr-3462	351	21	cards	card	NOUN
fsr-3462	351	22	as	as	ADP
fsr-3462	351	23	a	a	DET
fsr-3462	351	24	requirement	requirement	NOUN
fsr-3462	351	25	to	to	PART
fsr-3462	351	26	begin	begin	VERB
fsr-3462	351	27	building	build	VERB
fsr-3462	351	28	their	their	PRON
fsr-3462	351	29	credit	credit	NOUN
fsr-3462	351	30	history	history	NOUN
fsr-3462	351	31	and	and	CCONJ
fsr-3462	351	32	create	create	VERB
fsr-3462	351	33	a	a	DET
fsr-3462	351	34	credit	credit	NOUN
fsr-3462	351	35	score	score	NOUN
fsr-3462	351	36	.	.	PUNCT
fsr-3462	352	1	due	due	ADP
fsr-3462	352	2	to	to	ADP
fsr-3462	352	3	this	this	DET
fsr-3462	352	4	apparent	apparent	ADJ
fsr-3462	352	5	controversy	controversy	NOUN
fsr-3462	352	6	,	,	PUNCT
fsr-3462	352	7	we	we	PRON
fsr-3462	352	8	apply	apply	VERB
fsr-3462	352	9	the	the	DET
fsr-3462	352	10	endogeneity	endogeneity	NOUN
fsr-3462	352	11	testing	testing	NOUN
fsr-3462	352	12	.	.	PUNCT
fsr-3462	353	1	4	4	X
fsr-3462	353	2	.	.	NOUN
fsr-3462	353	3	results	result	NOUN
fsr-3462	353	4	and	and	CCONJ
fsr-3462	353	5	discussion	discussion	NOUN
fsr-3462	353	6	estimations	estimation	NOUN
fsr-3462	353	7	are	be	AUX
fsr-3462	353	8	presented	present	VERB
fsr-3462	353	9	in	in	ADP
fsr-3462	353	10	table	table	NOUN
fsr-3462	353	11	5	5	NUM
fsr-3462	353	12	where	where	SCONJ
fsr-3462	353	13	each	each	PRON
fsr-3462	353	14	of	of	ADP
fsr-3462	353	15	the	the	DET
fsr-3462	353	16	three	three	NUM
fsr-3462	353	17	models	model	NOUN
fsr-3462	353	18	is	be	AUX
fsr-3462	353	19	further	far	ADV
fsr-3462	353	20	decomposed	decompose	VERB
fsr-3462	353	21	to	to	PART
fsr-3462	353	22	study	study	VERB
fsr-3462	353	23	the	the	DET
fsr-3462	353	24	impact	impact	NOUN
fsr-3462	353	25	of	of	ADP
fsr-3462	353	26	each	each	DET
fsr-3462	353	27	financial	financial	ADJ
fsr-3462	353	28	issue	issue	NOUN
fsr-3462	353	29	included	include	VERB
fsr-3462	353	30	in	in	ADP
fsr-3462	353	31	the	the	DET
fsr-3462	353	32	financial	financial	ADJ
fsr-3462	353	33	literacy	literacy	NOUN
fsr-3462	353	34	index	index	NOUN
fsr-3462	353	35	on	on	ADP
fsr-3462	353	36	credit	credit	NOUN
fsr-3462	353	37	card	card	NOUN
fsr-3462	353	38	repayment	repayment	NOUN
fsr-3462	353	39	behavior	behavior	NOUN
fsr-3462	353	40	of	of	ADP
fsr-3462	353	41	individuals	individual	NOUN
fsr-3462	353	42	.	.	PUNCT
fsr-3462	354	1	when	when	SCONJ
fsr-3462	354	2	looking	look	VERB
fsr-3462	354	3	at	at	ADP
fsr-3462	354	4	the	the	DET
fsr-3462	354	5	coefficients	coefficient	NOUN
fsr-3462	354	6	(	(	PUNCT
fsr-3462	354	7	sign	sign	NOUN
fsr-3462	354	8	and	and	CCONJ
fsr-3462	354	9	magnitude	magnitude	NOUN
fsr-3462	354	10	)	)	PUNCT
fsr-3462	354	11	of	of	ADP
fsr-3462	354	12	the	the	DET
fsr-3462	354	13	total	total	ADJ
fsr-3462	354	14	number	number	NOUN
fsr-3462	354	15	of	of	ADP
fsr-3462	354	16	questions	question	NOUN
fsr-3462	354	17	answered	answer	VERB
fsr-3462	354	18	(	(	PUNCT
fsr-3462	354	19	correctly	correctly	ADV
fsr-3462	354	20	,	,	PUNCT
fsr-3462	354	21	incorrectly	incorrectly	ADV
fsr-3462	354	22	,	,	PUNCT
fsr-3462	354	23	and	and	CCONJ
fsr-3462	354	24	dnk	dnk	NOUN
fsr-3462	354	25	,	,	PUNCT
fsr-3462	354	26	respectively	respectively	ADV
fsr-3462	354	27	)	)	PUNCT
fsr-3462	354	28	we	we	PRON
fsr-3462	354	29	observe	observe	VERB
fsr-3462	354	30	that	that	SCONJ
fsr-3462	354	31	correct	correct	ADJ
fsr-3462	354	32	/	/	SYM
fsr-3462	354	33	dkn	dkn	NOUN
fsr-3462	354	34	hold	hold	NOUN
fsr-3462	354	35	g.	g.	PROPN
fsr-3462	354	36	barboza	barboza	PROPN
fsr-3462	355	1	et	et	PROPN
fsr-3462	355	2	al	al	PROPN
fsr-3462	355	3	.	.	PUNCT
fsr-3462	355	4	/	/	SYM
fsr-3462	355	5	financial	financial	ADJ
fsr-3462	355	6	services	service	NOUN
fsr-3462	355	7	review	review	VERB
fsr-3462	355	8	29	29	NUM
fsr-3462	355	9	(	(	PUNCT
fsr-3462	355	10	2021	2021	NUM
fsr-3462	355	11	)	)	PUNCT
fsr-3462	355	12	247–276	247–276	NUM
fsr-3462	355	13	261	261	NUM
fsr-3462	355	14	both	both	CCONJ
fsr-3462	355	15	a	a	DET
fsr-3462	355	16	negative	negative	ADJ
fsr-3462	355	17	sign	sign	NOUN
fsr-3462	355	18	,	,	PUNCT
fsr-3462	355	19	while	while	SCONJ
fsr-3462	355	20	only	only	ADV
fsr-3462	355	21	correct	correct	ADJ
fsr-3462	355	22	being	be	AUX
fsr-3462	355	23	statistically	statistically	ADV
fsr-3462	355	24	significant	significant	ADJ
fsr-3462	355	25	at	at	ADP
fsr-3462	355	26	the	the	DET
fsr-3462	355	27	10	10	NUM
fsr-3462	355	28	%	%	NOUN
fsr-3462	355	29	level	level	NOUN
fsr-3462	355	30	of	of	ADP
fsr-3462	355	31	confidence	confidence	NOUN
fsr-3462	355	32	.	.	PUNCT
fsr-3462	356	1	the	the	DET
fsr-3462	356	2	negative	negative	ADJ
fsr-3462	356	3	sign	sign	NOUN
fsr-3462	356	4	indicates	indicate	VERB
fsr-3462	356	5	that	that	SCONJ
fsr-3462	356	6	higher	high	ADJ
fsr-3462	356	7	levels	level	NOUN
fsr-3462	356	8	of	of	ADP
fsr-3462	356	9	literacy	literacy	NOUN
fsr-3462	356	10	and/or	and/or	CCONJ
fsr-3462	356	11	declaring	declare	VERB
fsr-3462	356	12	dkn	dkn	NOUN
fsr-3462	356	13	result	result	NOUN
fsr-3462	356	14	in	in	ADP
fsr-3462	356	15	better	well	ADJ
fsr-3462	356	16	repayment	repayment	NOUN
fsr-3462	356	17	patterns	pattern	NOUN
fsr-3462	356	18	.	.	PUNCT
fsr-3462	357	1	higher	high	ADJ
fsr-3462	357	2	financial	financial	ADJ
fsr-3462	357	3	literacy	literacy	NOUN
fsr-3462	357	4	having	have	VERB
fsr-3462	357	5	a	a	DET
fsr-3462	357	6	positive	positive	ADJ
fsr-3462	357	7	impact	impact	NOUN
fsr-3462	357	8	on	on	ADP
fsr-3462	357	9	repayment	repayment	NOUN
fsr-3462	357	10	is	be	AUX
fsr-3462	357	11	an	an	DET
fsr-3462	357	12	expected	expect	VERB
fsr-3462	357	13	outcome	outcome	NOUN
fsr-3462	357	14	(	(	PUNCT
fsr-3462	357	15	confirming	confirm	VERB
fsr-3462	357	16	hypothesis	hypothesis	NOUN
fsr-3462	357	17	1	1	NUM
fsr-3462	357	18	)	)	PUNCT
fsr-3462	357	19	;	;	PUNCT
fsr-3462	357	20	however	however	ADV
fsr-3462	357	21	,	,	PUNCT
fsr-3462	357	22	the	the	DET
fsr-3462	357	23	second	second	ADJ
fsr-3462	357	24	component	component	NOUN
fsr-3462	357	25	(	(	PUNCT
fsr-3462	357	26	dnk	dnk	NOUN
fsr-3462	357	27	)	)	PUNCT
fsr-3462	357	28	is	be	AUX
fsr-3462	357	29	clearly	clearly	ADV
fsr-3462	357	30	a	a	DET
fsr-3462	357	31	puzzling	puzzle	VERB
fsr-3462	357	32	result	result	NOUN
fsr-3462	357	33	.	.	PUNCT
fsr-3462	358	1	notice	notice	VERB
fsr-3462	358	2	that	that	SCONJ
fsr-3462	358	3	higher	high	ADJ
fsr-3462	358	4	levels	level	NOUN
fsr-3462	358	5	of	of	ADP
fsr-3462	358	6	financial	financial	ADJ
fsr-3462	358	7	literacy	literacy	NOUN
fsr-3462	358	8	are	be	AUX
fsr-3462	358	9	only	only	ADV
fsr-3462	358	10	marginally	marginally	ADV
fsr-3462	358	11	statistically	statistically	ADV
fsr-3462	358	12	significant	significant	ADJ
fsr-3462	358	13	at	at	ADP
fsr-3462	358	14	the	the	DET
fsr-3462	358	15	10	10	NUM
fsr-3462	358	16	%	%	NOUN
fsr-3462	358	17	.	.	PUNCT
fsr-3462	359	1	regarding	regard	VERB
fsr-3462	359	2	incorrect	incorrect	ADJ
fsr-3462	359	3	answering	answering	NOUN
fsr-3462	359	4	(	(	PUNCT
fsr-3462	359	5	financial	financial	ADJ
fsr-3462	359	6	illiteracy	illiteracy	NOUN
fsr-3462	359	7	)	)	PUNCT
fsr-3462	359	8	the	the	DET
fsr-3462	359	9	result	result	NOUN
fsr-3462	359	10	is	be	AUX
fsr-3462	359	11	statistically	statistically	ADV
fsr-3462	359	12	significant	significant	ADJ
fsr-3462	359	13	and	and	CCONJ
fsr-3462	359	14	with	with	ADP
fsr-3462	359	15	the	the	DET
fsr-3462	359	16	expected	expect	VERB
fsr-3462	359	17	positive	positive	ADJ
fsr-3462	359	18	sign	sign	NOUN
fsr-3462	359	19	.	.	PUNCT
fsr-3462	360	1	this	this	DET
fsr-3462	360	2	result	result	NOUN
fsr-3462	360	3	supports	support	VERB
fsr-3462	360	4	the	the	DET
fsr-3462	360	5	hypothesis	hypothesis	NOUN
fsr-3462	360	6	that	that	PRON
fsr-3462	360	7	lack	lack	NOUN
fsr-3462	360	8	of	of	ADP
fsr-3462	360	9	financial	financial	ADJ
fsr-3462	360	10	literacy	literacy	NOUN
fsr-3462	360	11	creates	create	VERB
fsr-3462	360	12	a	a	DET
fsr-3462	360	13	negative	negative	ADJ
fsr-3462	360	14	effect	effect	NOUN
fsr-3462	360	15	on	on	ADP
fsr-3462	360	16	individuals	individual	NOUN
fsr-3462	360	17	’	'	PUNCT
fsr-3462	360	18	financial	financial	ADJ
fsr-3462	360	19	performance	performance	NOUN
fsr-3462	360	20	,	,	PUNCT
fsr-3462	360	21	resulting	result	VERB
fsr-3462	360	22	in	in	ADP
fsr-3462	360	23	an	an	DET
fsr-3462	360	24	accumulating	accumulate	VERB
fsr-3462	360	25	month	month	NOUN
fsr-3462	360	26	-	-	PUNCT
fsr-3462	360	27	to	to	ADP
fsr-3462	360	28	-	-	PUNCT
fsr-3462	360	29	month	month	NOUN
fsr-3462	360	30	balance	balance	NOUN
fsr-3462	360	31	in	in	ADP
fsr-3462	360	32	their	their	PRON
fsr-3462	360	33	credit	credit	NOUN
fsr-3462	360	34	card	card	NOUN
fsr-3462	360	35	debt	debt	NOUN
fsr-3462	360	36	(	(	PUNCT
fsr-3462	360	37	hancock	hancock	PROPN
fsr-3462	360	38	et	et	PROPN
fsr-3462	360	39	al	al	PROPN
fsr-3462	360	40	.	.	PROPN
fsr-3462	360	41	,	,	PUNCT
fsr-3462	360	42	2013	2013	NUM
fsr-3462	360	43	;	;	PUNCT
fsr-3462	360	44	robb	robb	NOUN
fsr-3462	360	45	,	,	PUNCT
fsr-3462	360	46	2011	2011	NUM
fsr-3462	360	47	;	;	PUNCT
fsr-3462	360	48	xiao	xiao	PROPN
fsr-3462	360	49	et	et	PROPN
fsr-3462	360	50	al	al	PROPN
fsr-3462	360	51	.	.	PROPN
fsr-3462	360	52	,	,	PUNCT
fsr-3462	360	53	2011	2011	NUM
fsr-3462	360	54	)	)	PUNCT
fsr-3462	360	55	.	.	PUNCT
fsr-3462	361	1	furthermore	furthermore	ADV
fsr-3462	361	2	,	,	PUNCT
fsr-3462	361	3	results	result	NOUN
fsr-3462	361	4	in	in	ADP
fsr-3462	361	5	table	table	NOUN
fsr-3462	361	6	5	5	NUM
fsr-3462	361	7	consumer	consumer	NOUN
fsr-3462	361	8	behavior	behavior	NOUN
fsr-3462	361	9	and	and	CCONJ
fsr-3462	361	10	financial	financial	ADJ
fsr-3462	361	11	decision	decision	NOUN
fsr-3462	361	12	making	make	VERB
fsr-3462	361	13	process	process	NOUN
fsr-3462	361	14	with	with	ADP
fsr-3462	361	15	credit	credit	NOUN
fsr-3462	361	16	card	card	NOUN
fsr-3462	361	17	repayment	repayment	NOUN
fsr-3462	361	18	as	as	ADP
fsr-3462	361	19	dependent	dependent	ADJ
fsr-3462	361	20	variable	variable	ADJ
fsr-3462	361	21	model	model	NOUN
fsr-3462	361	22	1	1	NUM
fsr-3462	361	23	correct	correct	ADJ
fsr-3462	361	24	answers	answer	NOUN
fsr-3462	361	25	model	model	NOUN
fsr-3462	361	26	2	2	NUM
fsr-3462	361	27	incorrect	incorrect	ADJ
fsr-3462	361	28	answers	answer	NOUN
fsr-3462	361	29	model	model	NOUN
fsr-3462	361	30	3	3	NUM
fsr-3462	361	31	do	do	AUX
fsr-3462	361	32	not	not	PART
fsr-3462	361	33	know	know	VERB
fsr-3462	361	34	answers	answer	NOUN
fsr-3462	361	35	1.1	1.1	NUM
fsr-3462	361	36	1.2	1.2	NUM
fsr-3462	361	37	2.1	2.1	NUM
fsr-3462	361	38	2.2	2.2	NUM
fsr-3462	361	39	3.1	3.1	NUM
fsr-3462	361	40	3.2	3.2	NUM
fsr-3462	361	41	financial	financial	ADJ
fsr-3462	361	42	educ	educ	ADJ
fsr-3462	361	43	parents	parent	NOUN
fsr-3462	361	44	�	�	PROPN
fsr-3462	361	45	0.939	0.939	NUM
fsr-3462	361	46	�	�	PROPN
fsr-3462	361	47	0.973	0.973	NUM
fsr-3462	361	48	�	�	PROPN
fsr-3462	361	49	0.930	0.930	NUM
fsr-3462	361	50	�	�	PROPN
fsr-3462	361	51	0.969	0.969	NUM
fsr-3462	361	52	�	�	PROPN
fsr-3462	361	53	0.912	0.912	NUM
fsr-3462	361	54	�	�	NOUN
fsr-3462	361	55	0.888	0.888	NUM
fsr-3462	361	56	(	(	PUNCT
fsr-3462	361	57	0.001	0.001	NUM
fsr-3462	361	58	)	)	PUNCT
fsr-3462	361	59	*	*	PUNCT
fsr-3462	362	1	*	*	PUNCT
fsr-3462	362	2	*	*	PUNCT
fsr-3462	362	3	(	(	PUNCT
fsr-3462	362	4	0.001	0.001	NUM
fsr-3462	362	5	)	)	PUNCT
fsr-3462	362	6	*	*	PUNCT
fsr-3462	363	1	*	*	PUNCT
fsr-3462	363	2	*	*	PUNCT
fsr-3462	363	3	(	(	PUNCT
fsr-3462	363	4	0.001	0.001	NUM
fsr-3462	363	5	)	)	PUNCT
fsr-3462	363	6	*	*	PUNCT
fsr-3462	364	1	*	*	PUNCT
fsr-3462	364	2	*	*	PUNCT
fsr-3462	364	3	(	(	PUNCT
fsr-3462	364	4	0.001	0.001	NUM
fsr-3462	364	5	)	)	PUNCT
fsr-3462	364	6	*	*	PUNCT
fsr-3462	365	1	*	*	PUNCT
fsr-3462	365	2	*	*	PUNCT
fsr-3462	365	3	(	(	PUNCT
fsr-3462	365	4	0.001	0.001	NUM
fsr-3462	365	5	)	)	PUNCT
fsr-3462	365	6	*	*	PUNCT
fsr-3462	366	1	*	*	PUNCT
fsr-3462	366	2	*	*	PUNCT
fsr-3462	366	3	(	(	PUNCT
fsr-3462	366	4	0.001	0.001	NUM
fsr-3462	366	5	)	)	PUNCT
fsr-3462	366	6	*	*	PUNCT
fsr-3462	366	7	*	*	PUNCT
fsr-3462	366	8	*	*	PUNCT
fsr-3462	366	9	anxiety	anxiety	NOUN
fsr-3462	366	10	0.143	0.143	NUM
fsr-3462	366	11	0.124	0.124	NUM
fsr-3462	366	12	0.158	0.158	NUM
fsr-3462	366	13	0.141	0.141	NUM
fsr-3462	366	14	0.163	0.163	NUM
fsr-3462	366	15	0.159	0.159	NUM
fsr-3462	366	16	(	(	PUNCT
fsr-3462	366	17	0.18	0.18	NUM
fsr-3462	366	18	)	)	PUNCT
fsr-3462	366	19	(	(	PUNCT
fsr-3462	366	20	0.25	0.25	NUM
fsr-3462	366	21	)	)	PUNCT
fsr-3462	366	22	(	(	PUNCT
fsr-3462	366	23	0.13	0.13	NUM
fsr-3462	366	24	)	)	PUNCT
fsr-3462	366	25	(	(	PUNCT
fsr-3462	366	26	0.18	0.18	NUM
fsr-3462	366	27	)	)	PUNCT
fsr-3462	366	28	(	(	PUNCT
fsr-3462	366	29	0.12	0.12	NUM
fsr-3462	366	30	)	)	PUNCT
fsr-3462	366	31	(	(	PUNCT
fsr-3462	366	32	0.11	0.11	NUM
fsr-3462	366	33	)	)	PUNCT
fsr-3462	366	34	surprised	surprise	VERB
fsr-3462	366	35	0.143	0.143	NUM
fsr-3462	366	36	0.130	0.130	NUM
fsr-3462	366	37	0.141	0.141	NUM
fsr-3462	366	38	0.133	0.133	NUM
fsr-3462	366	39	0.182	0.182	NUM
fsr-3462	366	40	0.175	0.175	NUM
fsr-3462	366	41	(	(	PUNCT
fsr-3462	366	42	0.28	0.28	NUM
fsr-3462	366	43	)	)	PUNCT
fsr-3462	366	44	(	(	PUNCT
fsr-3462	366	45	0.33	0.33	NUM
fsr-3462	366	46	)	)	PUNCT
fsr-3462	366	47	(	(	PUNCT
fsr-3462	366	48	0.25	0.25	NUM
fsr-3462	366	49	)	)	PUNCT
fsr-3462	366	50	(	(	PUNCT
fsr-3462	366	51	0.27	0.27	NUM
fsr-3462	366	52	)	)	PUNCT
fsr-3462	366	53	(	(	PUNCT
fsr-3462	366	54	0.16	0.16	NUM
fsr-3462	366	55	)	)	PUNCT
fsr-3462	366	56	(	(	PUNCT
fsr-3462	366	57	0.17	0.17	NUM
fsr-3462	366	58	)	)	PUNCT
fsr-3462	366	59	overspending	overspend	VERB
fsr-3462	366	60	0.533	0.533	NUM
fsr-3462	366	61	0.533	0.533	NUM
fsr-3462	366	62	0.506	0.506	NUM
fsr-3462	366	63	0.497	0.497	NUM
fsr-3462	366	64	0.509	0.509	NUM
fsr-3462	366	65	0.511	0.511	NUM
fsr-3462	366	66	(	(	PUNCT
fsr-3462	366	67	0.001	0.001	NUM
fsr-3462	366	68	)	)	PUNCT
fsr-3462	366	69	*	*	PUNCT
fsr-3462	367	1	*	*	PUNCT
fsr-3462	367	2	*	*	PUNCT
fsr-3462	367	3	(	(	PUNCT
fsr-3462	367	4	0.001	0.001	NUM
fsr-3462	367	5	)	)	PUNCT
fsr-3462	367	6	*	*	PUNCT
fsr-3462	368	1	*	*	PUNCT
fsr-3462	368	2	*	*	PUNCT
fsr-3462	368	3	(	(	PUNCT
fsr-3462	368	4	0.001	0.001	NUM
fsr-3462	368	5	)	)	PUNCT
fsr-3462	368	6	*	*	PUNCT
fsr-3462	369	1	*	*	PUNCT
fsr-3462	369	2	*	*	PUNCT
fsr-3462	369	3	(	(	PUNCT
fsr-3462	369	4	0.001	0.001	NUM
fsr-3462	369	5	)	)	PUNCT
fsr-3462	369	6	*	*	PUNCT
fsr-3462	370	1	*	*	PUNCT
fsr-3462	370	2	*	*	PUNCT
fsr-3462	370	3	(	(	PUNCT
fsr-3462	370	4	0.001	0.001	NUM
fsr-3462	370	5	)	)	PUNCT
fsr-3462	370	6	*	*	PUNCT
fsr-3462	371	1	*	*	PUNCT
fsr-3462	371	2	*	*	PUNCT
fsr-3462	371	3	(	(	PUNCT
fsr-3462	371	4	0.001	0.001	NUM
fsr-3462	371	5	)	)	PUNCT
fsr-3462	371	6	*	*	PUNCT
fsr-3462	371	7	*	*	PUNCT
fsr-3462	371	8	*	*	PUNCT
fsr-3462	371	9	ncc	ncc	PROPN
fsr-3462	371	10	0.161	0.161	NUM
fsr-3462	371	11	0.156	0.156	NUM
fsr-3462	371	12	0.164	0.164	NUM
fsr-3462	371	13	0.169	0.169	NUM
fsr-3462	371	14	0.135	0.135	NUM
fsr-3462	371	15	0.144	0.144	NUM
fsr-3462	371	16	(	(	PUNCT
fsr-3462	371	17	0.08	0.08	NUM
fsr-3462	371	18	)	)	PUNCT
fsr-3462	371	19	*	*	PUNCT
fsr-3462	371	20	(	(	PUNCT
fsr-3462	371	21	0.10	0.10	NUM
fsr-3462	371	22	)	)	PUNCT
fsr-3462	371	23	*	*	PUNCT
fsr-3462	371	24	(	(	PUNCT
fsr-3462	371	25	0.04	0.04	NUM
fsr-3462	371	26	)	)	PUNCT
fsr-3462	371	27	*	*	PUNCT
fsr-3462	371	28	*	*	PUNCT
fsr-3462	371	29	(	(	PUNCT
fsr-3462	371	30	0.04	0.04	NUM
fsr-3462	371	31	)	)	PUNCT
fsr-3462	371	32	*	*	PUNCT
fsr-3462	371	33	*	*	PUNCT
fsr-3462	371	34	(	(	PUNCT
fsr-3462	371	35	0.13	0.13	NUM
fsr-3462	371	36	)	)	PUNCT
fsr-3462	371	37	(	(	PUNCT
fsr-3462	371	38	0.08	0.08	NUM
fsr-3462	371	39	)	)	PUNCT
fsr-3462	371	40	*	*	PUNCT
fsr-3462	371	41	financial	financial	ADJ
fsr-3462	371	42	literacy	literacy	NOUN
fsr-3462	371	43	questions	question	NOUN
fsr-3462	371	44	total	total	ADJ
fsr-3462	371	45	answers	answer	NOUN
fsr-3462	371	46	�	�	PROPN
fsr-3462	371	47	0.150	0.150	NUM
fsr-3462	371	48	0.222	0.222	NUM
fsr-3462	371	49	�	�	PROPN
fsr-3462	371	50	0.022	0.022	NUM
fsr-3462	371	51	(	(	PUNCT
fsr-3462	371	52	0.10	0.10	NUM
fsr-3462	371	53	)	)	PUNCT
fsr-3462	371	54	*	*	PUNCT
fsr-3462	371	55	(	(	PUNCT
fsr-3462	371	56	0.03	0.03	NUM
fsr-3462	371	57	)	)	PUNCT
fsr-3462	371	58	*	*	PUNCT
fsr-3462	371	59	*	*	PUNCT
fsr-3462	371	60	(	(	PUNCT
fsr-3462	371	61	0.88	0.88	NUM
fsr-3462	371	62	)	)	PUNCT
fsr-3462	371	63	compound	compound	NOUN
fsr-3462	371	64	interest	interest	NOUN
fsr-3462	371	65	�	�	PROPN
fsr-3462	371	66	0.017	0.017	NUM
fsr-3462	371	67	0.020	0.020	NUM
fsr-3462	371	68	�	�	PROPN
fsr-3462	371	69	0.051	0.051	NUM
fsr-3462	371	70	(	(	PUNCT
fsr-3462	371	71	0.95	0.95	NUM
fsr-3462	371	72	)	)	PUNCT
fsr-3462	371	73	(	(	PUNCT
fsr-3462	371	74	0.94	0.94	NUM
fsr-3462	371	75	)	)	PUNCT
fsr-3462	371	76	(	(	PUNCT
fsr-3462	371	77	0.91	0.91	NUM
fsr-3462	371	78	)	)	PUNCT
fsr-3462	371	79	inflation	inflation	NOUN
fsr-3462	371	80	�	�	PROPN
fsr-3462	371	81	0.385	0.385	NUM
fsr-3462	371	82	0.501	0.501	NUM
fsr-3462	371	83	�	�	PROPN
fsr-3462	371	84	0.014	0.014	NUM
fsr-3462	371	85	(	(	PUNCT
fsr-3462	371	86	0.12	0.12	NUM
fsr-3462	371	87	)	)	PUNCT
fsr-3462	371	88	(	(	PUNCT
fsr-3462	371	89	0.05	0.05	NUM
fsr-3462	371	90	)	)	PUNCT
fsr-3462	371	91	*	*	PUNCT
fsr-3462	371	92	*	*	PUNCT
fsr-3462	371	93	(	(	PUNCT
fsr-3462	371	94	0.97	0.97	NUM
fsr-3462	371	95	)	)	PUNCT
fsr-3462	371	96	inheritance	inheritance	NOUN
fsr-3462	371	97	�	�	NOUN
fsr-3462	371	98	0.107	0.107	NUM
fsr-3462	371	99	0.163	0.163	NUM
fsr-3462	371	100	�	�	NOUN
fsr-3462	371	101	0.184	0.184	NUM
fsr-3462	371	102	(	(	PUNCT
fsr-3462	371	103	0.68	0.68	NUM
fsr-3462	371	104	)	)	PUNCT
fsr-3462	371	105	(	(	PUNCT
fsr-3462	371	106	0.47	0.47	NUM
fsr-3462	371	107	)	)	PUNCT
fsr-3462	371	108	(	(	PUNCT
fsr-3462	371	109	0.41	0.41	NUM
fsr-3462	371	110	)	)	PUNCT
fsr-3462	371	111	purchasing	purchase	VERB
fsr-3462	371	112	power	power	NOUN
fsr-3462	371	113	�	�	PROPN
fsr-3462	371	114	0.046	0.046	NUM
fsr-3462	371	115	0.118	0.118	NUM
fsr-3462	371	116	�	�	NOUN
fsr-3462	371	117	0.125	0.125	NUM
fsr-3462	371	118	(	(	PUNCT
fsr-3462	371	119	0.87	0.87	NUM
fsr-3462	371	120	)	)	PUNCT
fsr-3462	371	121	(	(	PUNCT
fsr-3462	371	122	0.72	0.72	NUM
fsr-3462	371	123	)	)	PUNCT
fsr-3462	371	124	(	(	PUNCT
fsr-3462	371	125	0.82	0.82	NUM
fsr-3462	371	126	)	)	PUNCT
fsr-3462	371	127	risk	risk	NOUN
fsr-3462	371	128	�	�	NOUN
fsr-3462	371	129	0.139	0.139	NUM
fsr-3462	371	130	0.297	0.297	NUM
fsr-3462	371	131	0.022	0.022	NUM
fsr-3462	371	132	(	(	PUNCT
fsr-3462	371	133	0.55	0.55	NUM
fsr-3462	371	134	)	)	PUNCT
fsr-3462	371	135	(	(	PUNCT
fsr-3462	371	136	0.35	0.35	NUM
fsr-3462	371	137	)	)	PUNCT
fsr-3462	371	138	(	(	PUNCT
fsr-3462	371	139	0.92	0.92	NUM
fsr-3462	371	140	)	)	PUNCT
fsr-3462	371	141	pseudo	pseudo	NOUN
fsr-3462	371	142	r2	r2	NOUN
fsr-3462	371	143	0.209	0.209	NUM
fsr-3462	371	144	0.212	0.212	NUM
fsr-3462	371	145	0.212	0.212	NUM
fsr-3462	371	146	0.217	0.217	NUM
fsr-3462	371	147	0.197	0.197	NUM
fsr-3462	371	148	0.199	0.199	NUM
fsr-3462	371	149	obs	obs	PROPN
fsr-3462	371	150	158	158	NUM
fsr-3462	371	151	157	157	NUM
fsr-3462	371	152	156	156	NUM
fsr-3462	371	153	156	156	NUM
fsr-3462	371	154	156	156	NUM
fsr-3462	371	155	156	156	NUM
fsr-3462	371	156	lr	lr	NOUN
fsr-3462	371	157	statistic	statistic	NOUN
fsr-3462	371	158	65.06	65.06	NUM
fsr-3462	371	159	65.71	65.71	NUM
fsr-3462	371	160	65.59	65.59	NUM
fsr-3462	371	161	67.29	67.29	NUM
fsr-3462	371	162	61.10	61.10	NUM
fsr-3462	371	163	61.66	61.66	NUM
fsr-3462	371	164	probability	probability	NOUN
fsr-3462	371	165	(	(	PUNCT
fsr-3462	371	166	lr	lr	NOUN
fsr-3462	371	167	stat	stat	NOUN
fsr-3462	371	168	)	)	PUNCT
fsr-3462	371	169	(	(	PUNCT
fsr-3462	371	170	0.001	0.001	NUM
fsr-3462	371	171	)	)	PUNCT
fsr-3462	371	172	*	*	PUNCT
fsr-3462	372	1	*	*	PUNCT
fsr-3462	372	2	*	*	PUNCT
fsr-3462	372	3	(	(	PUNCT
fsr-3462	372	4	0.001	0.001	NUM
fsr-3462	372	5	)	)	PUNCT
fsr-3462	372	6	*	*	PUNCT
fsr-3462	373	1	*	*	PUNCT
fsr-3462	373	2	*	*	PUNCT
fsr-3462	373	3	(	(	PUNCT
fsr-3462	373	4	0.001	0.001	NUM
fsr-3462	373	5	)	)	PUNCT
fsr-3462	373	6	*	*	PUNCT
fsr-3462	374	1	*	*	PUNCT
fsr-3462	374	2	*	*	PUNCT
fsr-3462	374	3	(	(	PUNCT
fsr-3462	374	4	0.001	0.001	NUM
fsr-3462	374	5	)	)	PUNCT
fsr-3462	374	6	*	*	PUNCT
fsr-3462	375	1	*	*	PUNCT
fsr-3462	375	2	*	*	PUNCT
fsr-3462	375	3	(	(	PUNCT
fsr-3462	375	4	0.001	0.001	NUM
fsr-3462	375	5	)	)	PUNCT
fsr-3462	375	6	*	*	PUNCT
fsr-3462	376	1	*	*	PUNCT
fsr-3462	376	2	*	*	PUNCT
fsr-3462	376	3	(	(	PUNCT
fsr-3462	376	4	0.001	0.001	NUM
fsr-3462	376	5	)	)	PUNCT
fsr-3462	376	6	*	*	PUNCT
fsr-3462	376	7	*	*	PUNCT
fsr-3462	376	8	*	*	PUNCT
fsr-3462	376	9	akaike	akaike	ADJ
fsr-3462	376	10	info	info	NOUN
fsr-3462	376	11	criterion	criterion	NOUN
fsr-3462	376	12	1.674	1.674	NUM
fsr-3462	376	13	1.726	1.726	NUM
fsr-3462	376	14	1.681	1.681	NUM
fsr-3462	376	15	1.722	1.722	NUM
fsr-3462	376	16	1.710	1.710	NUM
fsr-3462	376	17	1.758	1.758	NUM
fsr-3462	376	18	schwarz	schwarz	NOUN
fsr-3462	376	19	criterion	criterion	NOUN
fsr-3462	376	20	1.848	1.848	NUM
fsr-3462	376	21	1.979	1.979	NUM
fsr-3462	376	22	1.857	1.857	NUM
fsr-3462	376	23	1.976	1.976	NUM
fsr-3462	376	24	1.886	1.886	NUM
fsr-3462	376	25	2.012	2.012	NUM
fsr-3462	376	26	hannan	hannan	PROPN
fsr-3462	376	27	-	-	PUNCT
fsr-3462	376	28	quinn	quinn	NOUN
fsr-3462	376	29	criterion	criterion	NOUN
fsr-3462	376	30	1.744	1.744	NUM
fsr-3462	376	31	1.829	1.829	NUM
fsr-3462	376	32	1.753	1.753	NUM
fsr-3462	376	33	1.825	1.825	NUM
fsr-3462	376	34	1.782	1.782	NUM
fsr-3462	376	35	1.861	1.861	NUM
fsr-3462	376	36	note	note	NOUN
fsr-3462	376	37	:	:	PUNCT
fsr-3462	377	1	*	*	PUNCT
fsr-3462	377	2	*	*	PUNCT
fsr-3462	377	3	*	*	PUNCT
fsr-3462	377	4	,	,	PUNCT
fsr-3462	377	5	*	*	PUNCT
fsr-3462	377	6	*	*	PUNCT
fsr-3462	377	7	,	,	PUNCT
fsr-3462	377	8	*	*	PUNCT
fsr-3462	377	9	statistically	statistically	ADV
fsr-3462	377	10	significant	significant	ADJ
fsr-3462	377	11	at	at	ADP
fsr-3462	377	12	the	the	DET
fsr-3462	377	13	1	1	NUM
fsr-3462	377	14	%	%	NOUN
fsr-3462	377	15	,	,	PUNCT
fsr-3462	377	16	5	5	NUM
fsr-3462	377	17	%	%	NOUN
fsr-3462	377	18	,	,	PUNCT
fsr-3462	377	19	and	and	CCONJ
fsr-3462	377	20	10	10	NUM
fsr-3462	377	21	%	%	NOUN
fsr-3462	377	22	level	level	NOUN
fsr-3462	377	23	,	,	PUNCT
fsr-3462	377	24	respectively	respectively	ADV
fsr-3462	377	25	.	.	PUNCT
fsr-3462	378	1	262	262	NUM
fsr-3462	378	2	g.	g.	PROPN
fsr-3462	378	3	barboza	barboza	PROPN
fsr-3462	378	4	et	et	PROPN
fsr-3462	378	5	al	al	PROPN
fsr-3462	378	6	.	.	PUNCT
fsr-3462	378	7	/	/	SYM
fsr-3462	378	8	financial	financial	ADJ
fsr-3462	378	9	services	service	NOUN
fsr-3462	378	10	review	review	VERB
fsr-3462	378	11	29	29	NUM
fsr-3462	378	12	(	(	PUNCT
fsr-3462	378	13	2021	2021	NUM
fsr-3462	378	14	)	)	PUNCT
fsr-3462	378	15	247–276	247–276	NUM
fsr-3462	378	16	models	model	NOUN
fsr-3462	378	17	2.1	2.1	NUM
fsr-3462	378	18	and	and	CCONJ
fsr-3462	378	19	3.1	3.1	NUM
fsr-3462	378	20	clearly	clearly	ADV
fsr-3462	378	21	indicate	indicate	VERB
fsr-3462	378	22	that	that	SCONJ
fsr-3462	378	23	individuals	individual	NOUN
fsr-3462	378	24	responding	respond	VERB
fsr-3462	378	25	incorrectly	incorrectly	ADV
fsr-3462	378	26	are	be	AUX
fsr-3462	378	27	significantly	significantly	ADV
fsr-3462	378	28	more	more	ADV
fsr-3462	378	29	likely	likely	ADJ
fsr-3462	378	30	to	to	PART
fsr-3462	378	31	incur	incur	VERB
fsr-3462	378	32	in	in	ADP
fsr-3462	378	33	poor	poor	ADJ
fsr-3462	378	34	credit	credit	NOUN
fsr-3462	378	35	card	card	NOUN
fsr-3462	378	36	repayment	repayment	NOUN
fsr-3462	378	37	behavior	behavior	NOUN
fsr-3462	378	38	.	.	PUNCT
fsr-3462	379	1	the	the	DET
fsr-3462	379	2	estimated	estimate	VERB
fsr-3462	379	3	coefficient	coefficient	NOUN
fsr-3462	379	4	is	be	AUX
fsr-3462	379	5	larger	large	ADJ
fsr-3462	379	6	than	than	ADP
fsr-3462	379	7	the	the	DET
fsr-3462	379	8	correct	correct	ADJ
fsr-3462	379	9	counterpart	counterpart	NOUN
fsr-3462	379	10	and	and	CCONJ
fsr-3462	379	11	holds	hold	VERB
fsr-3462	379	12	a	a	DET
fsr-3462	379	13	positive	positive	ADJ
fsr-3462	379	14	sign	sign	NOUN
fsr-3462	379	15	and	and	CCONJ
fsr-3462	379	16	has	have	VERB
fsr-3462	379	17	a	a	DET
fsr-3462	379	18	higher	high	ADJ
fsr-3462	379	19	level	level	NOUN
fsr-3462	379	20	of	of	ADP
fsr-3462	379	21	statistical	statistical	ADJ
fsr-3462	379	22	significance	significance	NOUN
fsr-3462	379	23	.	.	PUNCT
fsr-3462	380	1	perhaps	perhaps	ADV
fsr-3462	380	2	the	the	DET
fsr-3462	380	3	most	most	ADV
fsr-3462	380	4	revealing	revealing	ADJ
fsr-3462	380	5	result	result	NOUN
fsr-3462	380	6	of	of	ADP
fsr-3462	380	7	the	the	DET
fsr-3462	380	8	estimations	estimation	NOUN
fsr-3462	380	9	in	in	ADP
fsr-3462	380	10	table	table	NOUN
fsr-3462	380	11	5	5	NUM
fsr-3462	380	12	is	be	AUX
fsr-3462	380	13	the	the	DET
fsr-3462	380	14	support	support	NOUN
fsr-3462	380	15	to	to	ADP
fsr-3462	380	16	our	our	PRON
fsr-3462	380	17	third	third	ADJ
fsr-3462	380	18	hypothesis	hypothesis	NOUN
fsr-3462	380	19	that	that	PRON
fsr-3462	380	20	incorrect	incorrect	ADJ
fsr-3462	380	21	answering	answering	NOUN
fsr-3462	380	22	and	and	CCONJ
fsr-3462	380	23	dnk	dnk	NOUN
fsr-3462	380	24	answering	answer	VERB
fsr-3462	380	25	have	have	VERB
fsr-3462	380	26	different	different	ADJ
fsr-3462	380	27	implications	implication	NOUN
fsr-3462	380	28	on	on	ADP
fsr-3462	380	29	credit	credit	NOUN
fsr-3462	380	30	card	card	NOUN
fsr-3462	380	31	repayment	repayment	NOUN
fsr-3462	380	32	patterns	pattern	NOUN
fsr-3462	380	33	.	.	PUNCT
fsr-3462	381	1	that	that	PRON
fsr-3462	381	2	is	is	ADV
fsr-3462	381	3	,	,	PUNCT
fsr-3462	381	4	the	the	DET
fsr-3462	381	5	common	common	ADJ
fsr-3462	381	6	practice	practice	NOUN
fsr-3462	381	7	in	in	ADP
fsr-3462	381	8	previous	previous	ADJ
fsr-3462	381	9	research	research	NOUN
fsr-3462	381	10	to	to	PART
fsr-3462	381	11	cluster	cluster	VERB
fsr-3462	381	12	any	any	DET
fsr-3462	381	13	answering	answering	NOUN
fsr-3462	381	14	that	that	PRON
fsr-3462	381	15	is	be	AUX
fsr-3462	381	16	not	not	PART
fsr-3462	381	17	correct	correct	ADJ
fsr-3462	381	18	as	as	ADP
fsr-3462	381	19	incorrect	incorrect	ADJ
fsr-3462	381	20	,	,	PUNCT
fsr-3462	381	21	seems	seem	VERB
fsr-3462	381	22	to	to	PART
fsr-3462	381	23	be	be	AUX
fsr-3462	381	24	not	not	PART
fsr-3462	381	25	an	an	DET
fsr-3462	381	26	appropriate	appropriate	ADJ
fsr-3462	381	27	way	way	NOUN
fsr-3462	381	28	to	to	PART
fsr-3462	381	29	understand	understand	VERB
fsr-3462	381	30	the	the	DET
fsr-3462	381	31	effects	effect	NOUN
fsr-3462	381	32	of	of	ADP
fsr-3462	381	33	different	different	ADJ
fsr-3462	381	34	levels	level	NOUN
fsr-3462	381	35	(	(	PUNCT
fsr-3462	381	36	a	a	PRON
fsr-3462	381	37	and	and	CCONJ
fsr-3462	381	38	b	b	NOUN
fsr-3462	381	39	)	)	PUNCT
fsr-3462	381	40	of	of	ADP
fsr-3462	381	41	financial	financial	ADJ
fsr-3462	381	42	illiteracy	illiteracy	NOUN
fsr-3462	381	43	.	.	PUNCT
fsr-3462	382	1	in	in	ADP
fsr-3462	382	2	summary	summary	NOUN
fsr-3462	382	3	,	,	PUNCT
fsr-3462	382	4	our	our	PRON
fsr-3462	382	5	findings	finding	NOUN
fsr-3462	382	6	confirm	confirm	VERB
fsr-3462	382	7	hypothesis	hypothesis	NOUN
fsr-3462	382	8	1	1	NUM
fsr-3462	382	9	:	:	PUNCT
fsr-3462	382	10	higher	high	ADJ
fsr-3462	382	11	levels	level	NOUN
fsr-3462	382	12	of	of	ADP
fsr-3462	382	13	financial	financial	ADJ
fsr-3462	382	14	literacy	literacy	NOUN
fsr-3462	382	15	(	(	PUNCT
fsr-3462	382	16	measured	measure	VERB
fsr-3462	382	17	as	as	ADP
fsr-3462	382	18	higher	high	ADJ
fsr-3462	382	19	number	number	NOUN
fsr-3462	382	20	of	of	ADP
fsr-3462	382	21	correct	correct	ADJ
fsr-3462	382	22	answers	answer	NOUN
fsr-3462	382	23	)	)	PUNCT
fsr-3462	382	24	lead	lead	VERB
fsr-3462	382	25	to	to	ADP
fsr-3462	382	26	better	well	ADJ
fsr-3462	382	27	repayment	repayment	NOUN
fsr-3462	382	28	rates	rate	NOUN
fsr-3462	382	29	in	in	ADP
fsr-3462	382	30	credit	credit	NOUN
fsr-3462	382	31	card	card	NOUN
fsr-3462	382	32	debt	debt	NOUN
fsr-3462	382	33	but	but	CCONJ
fsr-3462	382	34	also	also	ADV
fsr-3462	382	35	hypothesis	hypothesis	VERB
fsr-3462	382	36	3	3	NUM
fsr-3462	382	37	individuals	individual	NOUN
fsr-3462	382	38	with	with	ADP
fsr-3462	382	39	self	self	NOUN
fsr-3462	382	40	-	-	PUNCT
fsr-3462	382	41	assessed	assess	VERB
fsr-3462	382	42	lower	low	ADJ
fsr-3462	382	43	level	level	NOUN
fsr-3462	382	44	of	of	ADP
fsr-3462	382	45	financial	financial	ADJ
fsr-3462	382	46	literacy	literacy	NOUN
fsr-3462	382	47	(	(	PUNCT
fsr-3462	382	48	dkn	dkn	NOUN
fsr-3462	382	49	answers	answer	NOUN
fsr-3462	382	50	)	)	PUNCT
fsr-3462	382	51	display	display	VERB
fsr-3462	382	52	diverse	diverse	ADJ
fsr-3462	382	53	behaviors	behavior	NOUN
fsr-3462	382	54	(	(	PUNCT
fsr-3462	382	55	credit	credit	NOUN
fsr-3462	382	56	card	card	NOUN
fsr-3462	382	57	repayment	repayment	NOUN
fsr-3462	382	58	patterns	pattern	NOUN
fsr-3462	382	59	)	)	PUNCT
fsr-3462	382	60	as	as	SCONJ
fsr-3462	382	61	opposed	oppose	VERB
fsr-3462	382	62	to	to	ADP
fsr-3462	382	63	individuals	individual	NOUN
fsr-3462	382	64	who	who	PRON
fsr-3462	382	65	do	do	AUX
fsr-3462	382	66	not	not	PART
fsr-3462	382	67	possess	possess	VERB
fsr-3462	382	68	basic	basic	ADJ
fsr-3462	382	69	financial	financial	ADJ
fsr-3462	382	70	literacy	literacy	NOUN
fsr-3462	382	71	(	(	PUNCT
fsr-3462	382	72	wrong	wrong	ADJ
fsr-3462	382	73	answers	answer	NOUN
fsr-3462	382	74	)	)	PUNCT
fsr-3462	382	75	.	.	PUNCT
fsr-3462	383	1	our	our	PRON
fsr-3462	383	2	findings	finding	NOUN
fsr-3462	383	3	also	also	ADV
fsr-3462	383	4	confirm	confirm	VERB
fsr-3462	383	5	hypothesis	hypothesis	NOUN
fsr-3462	383	6	2	2	NUM
fsr-3462	383	7	and	and	CCONJ
fsr-3462	383	8	to	to	ADP
fsr-3462	383	9	a	a	DET
fsr-3462	383	10	lesser	less	ADJ
fsr-3462	383	11	extent	extent	NOUN
fsr-3462	383	12	hypothesis	hypothesis	NOUN
fsr-3462	383	13	4	4	NUM
fsr-3462	383	14	.	.	PUNCT
fsr-3462	384	1	first	first	ADV
fsr-3462	384	2	,	,	PUNCT
fsr-3462	384	3	we	we	PRON
fsr-3462	384	4	observe	observe	VERB
fsr-3462	384	5	that	that	SCONJ
fsr-3462	384	6	the	the	DET
fsr-3462	384	7	variable	variable	ADJ
fsr-3462	384	8	fepar	fepar	NOUN
fsr-3462	384	9	,	,	PUNCT
fsr-3462	384	10	being	be	AUX
fsr-3462	384	11	the	the	DET
fsr-3462	384	12	main	main	ADJ
fsr-3462	384	13	source	source	NOUN
fsr-3462	384	14	of	of	ADP
fsr-3462	384	15	financial	financial	ADJ
fsr-3462	384	16	education	education	NOUN
fsr-3462	384	17	,	,	PUNCT
fsr-3462	384	18	is	be	AUX
fsr-3462	384	19	highly	highly	ADV
fsr-3462	384	20	significant	significant	ADJ
fsr-3462	384	21	in	in	ADP
fsr-3462	384	22	all	all	DET
fsr-3462	384	23	models	model	NOUN
fsr-3462	384	24	and	and	CCONJ
fsr-3462	384	25	negatively	negatively	ADV
fsr-3462	384	26	associated	associate	VERB
fsr-3462	384	27	with	with	ADP
fsr-3462	384	28	repayment	repayment	NOUN
fsr-3462	384	29	habits	habit	NOUN
fsr-3462	384	30	.	.	PUNCT
fsr-3462	385	1	this	this	DET
fsr-3462	385	2	result	result	NOUN
fsr-3462	385	3	indicates	indicate	VERB
fsr-3462	385	4	that	that	SCONJ
fsr-3462	385	5	individuals	individual	NOUN
fsr-3462	385	6	that	that	PRON
fsr-3462	385	7	receive	receive	VERB
fsr-3462	385	8	their	their	PRON
fsr-3462	385	9	education	education	NOUN
fsr-3462	385	10	from	from	ADP
fsr-3462	385	11	parents	parent	NOUN
fsr-3462	385	12	are	be	AUX
fsr-3462	385	13	more	more	ADV
fsr-3462	385	14	likely	likely	ADJ
fsr-3462	385	15	to	to	PART
fsr-3462	385	16	have	have	VERB
fsr-3462	385	17	better	well	ADJ
fsr-3462	385	18	repayment	repayment	NOUN
fsr-3462	385	19	behavior	behavior	NOUN
fsr-3462	385	20	on	on	ADP
fsr-3462	385	21	her	she	PRON
fsr-3462	385	22	or	or	CCONJ
fsr-3462	385	23	his	his	PRON
fsr-3462	385	24	credit	credit	NOUN
fsr-3462	385	25	card.9	card.9	NOUN
fsr-3462	385	26	this	this	DET
fsr-3462	385	27	result	result	NOUN
fsr-3462	385	28	also	also	ADV
fsr-3462	385	29	confirms	confirm	VERB
fsr-3462	385	30	the	the	DET
fsr-3462	385	31	importance	importance	NOUN
fsr-3462	385	32	of	of	ADP
fsr-3462	385	33	parental	parental	ADJ
fsr-3462	385	34	involvement	involvement	NOUN
fsr-3462	385	35	in	in	ADP
fsr-3462	385	36	kids	kid	NOUN
fsr-3462	385	37	overall	overall	ADJ
fsr-3462	385	38	financial	financial	ADJ
fsr-3462	385	39	education	education	NOUN
fsr-3462	385	40	aspects	aspect	NOUN
fsr-3462	385	41	.	.	PUNCT
fsr-3462	386	1	our	our	PRON
fsr-3462	386	2	findings	finding	NOUN
fsr-3462	386	3	confirm	confirm	VERB
fsr-3462	386	4	hypothesis	hypothesis	NOUN
fsr-3462	386	5	2	2	NUM
fsr-3462	386	6	:	:	PUNCT
fsr-3462	386	7	the	the	PRON
fsr-3462	386	8	higher	high	ADJ
fsr-3462	386	9	the	the	DET
fsr-3462	386	10	transgenerational	transgenerational	ADJ
fsr-3462	386	11	transmission	transmission	NOUN
fsr-3462	386	12	of	of	ADP
fsr-3462	386	13	financial	financial	ADJ
fsr-3462	386	14	education	education	NOUN
fsr-3462	386	15	from	from	ADP
fsr-3462	386	16	parents	parent	NOUN
fsr-3462	386	17	to	to	ADP
fsr-3462	386	18	children	child	NOUN
fsr-3462	386	19	results	result	NOUN
fsr-3462	386	20	in	in	ADP
fsr-3462	386	21	improved	improved	ADJ
fsr-3462	386	22	repayment	repayment	NOUN
fsr-3462	386	23	in	in	ADP
fsr-3462	386	24	credit	credit	NOUN
fsr-3462	386	25	cards	card	NOUN
fsr-3462	386	26	.	.	PUNCT
fsr-3462	387	1	with	with	ADP
fsr-3462	387	2	respect	respect	NOUN
fsr-3462	387	3	to	to	ADP
fsr-3462	387	4	personality	personality	NOUN
fsr-3462	387	5	traits	trait	NOUN
fsr-3462	387	6	also	also	ADV
fsr-3462	387	7	control	control	VERB
fsr-3462	387	8	for	for	ADP
fsr-3462	387	9	the	the	DET
fsr-3462	387	10	presence	presence	NOUN
fsr-3462	387	11	of	of	ADP
fsr-3462	387	12	personality	personality	NOUN
fsr-3462	387	13	trait	trait	NOUN
fsr-3462	387	14	(	(	PUNCT
fsr-3462	387	15	surprised	surprised	ADJ
fsr-3462	387	16	,	,	PUNCT
fsr-3462	387	17	anxiety	anxiety	NOUN
fsr-3462	387	18	,	,	PUNCT
fsr-3462	387	19	and	and	CCONJ
fsr-3462	387	20	overspending	overspending	NOUN
fsr-3462	387	21	)	)	PUNCT
fsr-3462	388	1	our	our	PRON
fsr-3462	388	2	estimates	estimate	NOUN
fsr-3462	388	3	highlight	highlight	VERB
fsr-3462	388	4	that	that	SCONJ
fsr-3462	388	5	individuals	individual	NOUN
fsr-3462	388	6	’	'	PUNCT
fsr-3462	388	7	capability	capability	NOUN
fsr-3462	388	8	to	to	PART
fsr-3462	388	9	repay	repay	VERB
fsr-3462	388	10	their	their	PRON
fsr-3462	388	11	credit	credit	NOUN
fsr-3462	388	12	cards	card	NOUN
fsr-3462	388	13	is	be	AUX
fsr-3462	388	14	driven	drive	VERB
fsr-3462	388	15	by	by	ADP
fsr-3462	388	16	the	the	DET
fsr-3462	388	17	use	use	NOUN
fsr-3462	388	18	factor	factor	NOUN
fsr-3462	388	19	and	and	CCONJ
fsr-3462	388	20	only	only	ADV
fsr-3462	388	21	marginally	marginally	ADV
fsr-3462	388	22	by	by	ADP
fsr-3462	388	23	the	the	DET
fsr-3462	388	24	knowledge	knowledge	NOUN
fsr-3462	388	25	component	component	NOUN
fsr-3462	388	26	.	.	PUNCT
fsr-3462	389	1	in	in	ADP
fsr-3462	389	2	all	all	DET
fsr-3462	389	3	the	the	DET
fsr-3462	389	4	models	model	NOUN
fsr-3462	389	5	,	,	PUNCT
fsr-3462	389	6	the	the	DET
fsr-3462	389	7	role	role	NOUN
fsr-3462	389	8	of	of	ADP
fsr-3462	389	9	overspending	overspending	NOUN
fsr-3462	389	10	impacts	impact	NOUN
fsr-3462	389	11	negatively	negatively	ADV
fsr-3462	389	12	the	the	DET
fsr-3462	389	13	capability	capability	NOUN
fsr-3462	389	14	to	to	PART
fsr-3462	389	15	repay	repay	VERB
fsr-3462	389	16	credit	credit	NOUN
fsr-3462	389	17	card	card	NOUN
fsr-3462	389	18	debt	debt	NOUN
fsr-3462	389	19	.	.	PUNCT
fsr-3462	390	1	the	the	DET
fsr-3462	390	2	other	other	ADJ
fsr-3462	390	3	variables	variable	NOUN
fsr-3462	390	4	,	,	PUNCT
fsr-3462	390	5	anxiety	anxiety	NOUN
fsr-3462	390	6	and	and	CCONJ
fsr-3462	390	7	surprised	surprised	ADJ
fsr-3462	390	8	,	,	PUNCT
fsr-3462	390	9	are	be	AUX
fsr-3462	390	10	not	not	PART
fsr-3462	390	11	statistically	statistically	ADV
fsr-3462	390	12	significant	significant	ADJ
fsr-3462	390	13	.	.	PUNCT
fsr-3462	391	1	as	as	ADP
fsr-3462	391	2	a	a	DET
fsr-3462	391	3	consequence	consequence	NOUN
fsr-3462	391	4	,	,	PUNCT
fsr-3462	391	5	our	our	PRON
fsr-3462	391	6	hypothesis	hypothesis	NOUN
fsr-3462	391	7	4	4	NUM
fsr-3462	391	8	is	be	AUX
fsr-3462	391	9	partially	partially	ADV
fsr-3462	391	10	confirmed	confirm	VERB
fsr-3462	391	11	,	,	PUNCT
fsr-3462	391	12	at	at	ADP
fsr-3462	391	13	least	least	ADJ
fsr-3462	391	14	with	with	ADP
fsr-3462	391	15	respect	respect	NOUN
fsr-3462	391	16	to	to	ADP
fsr-3462	391	17	present	present	ADJ
fsr-3462	391	18	-	-	PUNCT
fsr-3462	391	19	bias	bias	NOUN
fsr-3462	391	20	preferences	preference	NOUN
fsr-3462	391	21	.	.	PUNCT
fsr-3462	392	1	recall	recall	VERB
fsr-3462	392	2	that	that	SCONJ
fsr-3462	392	3	overspending	overspending	NOUN
fsr-3462	392	4	is	be	AUX
fsr-3462	392	5	the	the	DET
fsr-3462	392	6	response	response	NOUN
fsr-3462	392	7	to	to	ADP
fsr-3462	392	8	individuals	individual	NOUN
fsr-3462	392	9	actually	actually	ADV
fsr-3462	392	10	buying	buy	VERB
fsr-3462	392	11	when	when	SCONJ
fsr-3462	392	12	they	they	PRON
fsr-3462	392	13	knew	know	VERB
fsr-3462	392	14	a	a	DET
fsr-3462	392	15	priori	priori	NOUN
fsr-3462	392	16	that	that	SCONJ
fsr-3462	392	17	he	he	PRON
fsr-3462	392	18	or	or	CCONJ
fsr-3462	392	19	she	she	PRON
fsr-3462	392	20	would	would	AUX
fsr-3462	392	21	not	not	PART
fsr-3462	392	22	have	have	AUX
fsr-3462	392	23	enough	enough	ADJ
fsr-3462	392	24	money	money	NOUN
fsr-3462	392	25	to	to	PART
fsr-3462	392	26	repay	repay	VERB
fsr-3462	392	27	the	the	DET
fsr-3462	392	28	credit	credit	NOUN
fsr-3462	392	29	card	card	NOUN
fsr-3462	392	30	at	at	ADP
fsr-3462	392	31	the	the	DET
fsr-3462	392	32	end	end	NOUN
fsr-3462	392	33	of	of	ADP
fsr-3462	392	34	the	the	DET
fsr-3462	392	35	billing	billing	NOUN
fsr-3462	392	36	cycle	cycle	NOUN
fsr-3462	392	37	.	.	PUNCT
fsr-3462	393	1	we	we	PRON
fsr-3462	393	2	argue	argue	VERB
fsr-3462	393	3	,	,	PUNCT
fsr-3462	393	4	thus	thus	ADV
fsr-3462	393	5	,	,	PUNCT
fsr-3462	393	6	that	that	SCONJ
fsr-3462	393	7	the	the	DET
fsr-3462	393	8	overspending	overspending	NOUN
fsr-3462	393	9	coefficient	coefficient	NOUN
fsr-3462	393	10	serves	serve	VERB
fsr-3462	393	11	as	as	ADP
fsr-3462	393	12	a	a	DET
fsr-3462	393	13	measure	measure	NOUN
fsr-3462	393	14	of	of	ADP
fsr-3462	393	15	present	present	ADJ
fsr-3462	393	16	bias	bias	NOUN
fsr-3462	393	17	behavior	behavior	NOUN
fsr-3462	393	18	as	as	ADV
fsr-3462	393	19	well	well	ADV
fsr-3462	393	20	as	as	ADP
fsr-3462	393	21	an	an	DET
fsr-3462	393	22	indicator	indicator	NOUN
fsr-3462	393	23	of	of	ADP
fsr-3462	393	24	lack	lack	NOUN
fsr-3462	393	25	of	of	ADP
fsr-3462	393	26	self	self	NOUN
fsr-3462	393	27	-	-	PUNCT
fsr-3462	393	28	control	control	NOUN
fsr-3462	393	29	.	.	PUNCT
fsr-3462	394	1	this	this	DET
fsr-3462	394	2	lack	lack	NOUN
fsr-3462	394	3	of	of	ADP
fsr-3462	394	4	self	self	NOUN
fsr-3462	394	5	-	-	PUNCT
fsr-3462	394	6	control	control	NOUN
fsr-3462	394	7	becomes	become	VERB
fsr-3462	394	8	a	a	DET
fsr-3462	394	9	materialized	materialize	VERB
fsr-3462	394	10	purchase	purchase	NOUN
fsr-3462	394	11	due	due	ADP
fsr-3462	394	12	to	to	ADP
fsr-3462	394	13	the	the	DET
fsr-3462	394	14	availability	availability	NOUN
fsr-3462	394	15	of	of	ADP
fsr-3462	394	16	credit	credit	NOUN
fsr-3462	394	17	cards	card	NOUN
fsr-3462	394	18	.	.	PUNCT
fsr-3462	395	1	if	if	SCONJ
fsr-3462	395	2	the	the	DET
fsr-3462	395	3	individual	individual	NOUN
fsr-3462	395	4	were	be	AUX
fsr-3462	395	5	not	not	PART
fsr-3462	395	6	to	to	PART
fsr-3462	395	7	have	have	VERB
fsr-3462	395	8	a	a	DET
fsr-3462	395	9	credit	credit	NOUN
fsr-3462	395	10	card	card	NOUN
fsr-3462	395	11	,	,	PUNCT
fsr-3462	395	12	he	he	PRON
fsr-3462	395	13	or	or	CCONJ
fsr-3462	395	14	she	she	PRON
fsr-3462	395	15	could	could	AUX
fsr-3462	395	16	not	not	PART
fsr-3462	395	17	complete	complete	VERB
fsr-3462	395	18	the	the	DET
fsr-3462	395	19	purchase	purchase	NOUN
fsr-3462	395	20	.	.	PUNCT
fsr-3462	396	1	while	while	SCONJ
fsr-3462	396	2	this	this	PRON
fsr-3462	396	3	may	may	AUX
fsr-3462	396	4	seem	seem	VERB
fsr-3462	396	5	obvious	obvious	ADJ
fsr-3462	396	6	,	,	PUNCT
fsr-3462	396	7	it	it	PRON
fsr-3462	396	8	is	be	AUX
fsr-3462	396	9	relevant	relevant	ADJ
fsr-3462	396	10	to	to	PART
fsr-3462	396	11	point	point	VERB
fsr-3462	396	12	out	out	ADP
fsr-3462	396	13	that	that	SCONJ
fsr-3462	396	14	this	this	DET
fsr-3462	396	15	behavior	behavior	NOUN
fsr-3462	396	16	clearly	clearly	ADV
fsr-3462	396	17	results	result	VERB
fsr-3462	396	18	in	in	ADP
fsr-3462	396	19	increased	increase	VERB
fsr-3462	396	20	financial	financial	ADJ
fsr-3462	396	21	costs	cost	NOUN
fsr-3462	396	22	of	of	ADP
fsr-3462	396	23	the	the	DET
fsr-3462	396	24	purchases	purchase	NOUN
fsr-3462	396	25	,	,	PUNCT
fsr-3462	396	26	as	as	SCONJ
fsr-3462	396	27	individuals	individual	NOUN
fsr-3462	396	28	know	know	VERB
fsr-3462	396	29	ahead	ahead	ADV
fsr-3462	396	30	of	of	ADP
fsr-3462	396	31	time	time	NOUN
fsr-3462	396	32	that	that	PRON
fsr-3462	396	33	they	they	PRON
fsr-3462	396	34	will	will	AUX
fsr-3462	396	35	incur	incur	VERB
fsr-3462	396	36	in	in	ADP
fsr-3462	396	37	a	a	DET
fsr-3462	396	38	rolling	rolling	ADJ
fsr-3462	396	39	debt	debt	NOUN
fsr-3462	396	40	.	.	PUNCT
fsr-3462	397	1	notice	notice	VERB
fsr-3462	397	2	also	also	ADV
fsr-3462	397	3	that	that	SCONJ
fsr-3462	397	4	the	the	DET
fsr-3462	397	5	estimated	estimate	VERB
fsr-3462	397	6	coefficient	coefficient	NOUN
fsr-3462	397	7	value	value	NOUN
fsr-3462	397	8	for	for	ADP
fsr-3462	397	9	overspending	overspending	NOUN
fsr-3462	397	10	is	be	AUX
fsr-3462	397	11	consistent	consistent	ADJ
fsr-3462	397	12	across	across	ADP
fsr-3462	397	13	all	all	DET
fsr-3462	397	14	alternative	alternative	ADJ
fsr-3462	397	15	models	model	NOUN
fsr-3462	397	16	,	,	PUNCT
fsr-3462	397	17	even	even	ADV
fsr-3462	397	18	when	when	SCONJ
fsr-3462	397	19	controlling	control	VERB
fsr-3462	397	20	for	for	ADP
fsr-3462	397	21	financial	financial	ADJ
fsr-3462	397	22	(	(	PUNCT
fsr-3462	397	23	il)literacy	il)literacy	NOUN
fsr-3462	397	24	.	.	PUNCT
fsr-3462	398	1	finally	finally	ADV
fsr-3462	398	2	,	,	PUNCT
fsr-3462	398	3	the	the	DET
fsr-3462	398	4	ncc	ncc	NOUN
fsr-3462	398	5	yields	yield	VERB
fsr-3462	398	6	the	the	DET
fsr-3462	398	7	expected	expect	VERB
fsr-3462	398	8	positive	positive	ADJ
fsr-3462	398	9	sign	sign	NOUN
fsr-3462	398	10	indicating	indicate	VERB
fsr-3462	398	11	that	that	SCONJ
fsr-3462	398	12	individuals	individual	NOUN
fsr-3462	398	13	having	have	VERB
fsr-3462	398	14	more	more	ADJ
fsr-3462	398	15	credit	credit	NOUN
fsr-3462	398	16	cards	card	NOUN
fsr-3462	398	17	are	be	AUX
fsr-3462	398	18	more	more	ADV
fsr-3462	398	19	likely	likely	ADJ
fsr-3462	398	20	to	to	PART
fsr-3462	398	21	hold	hold	VERB
fsr-3462	398	22	a	a	DET
fsr-3462	398	23	month	month	NOUN
fsr-3462	398	24	-	-	PUNCT
fsr-3462	398	25	to	to	ADP
fsr-3462	398	26	-	-	PUNCT
fsr-3462	398	27	month	month	NOUN
fsr-3462	398	28	balance	balance	NOUN
fsr-3462	398	29	:	:	PUNCT
fsr-3462	398	30	in	in	ADP
fsr-3462	398	31	our	our	PRON
fsr-3462	398	32	estimations	estimation	NOUN
fsr-3462	398	33	an	an	DET
fsr-3462	398	34	increase	increase	NOUN
fsr-3462	398	35	in	in	ADP
fsr-3462	398	36	the	the	DET
fsr-3462	398	37	number	number	NOUN
fsr-3462	398	38	of	of	ADP
fsr-3462	398	39	credit	credit	NOUN
fsr-3462	398	40	cards	card	NOUN
fsr-3462	398	41	made	make	VERB
fsr-3462	398	42	the	the	DET
fsr-3462	398	43	capacity	capacity	NOUN
fsr-3462	398	44	of	of	ADP
fsr-3462	398	45	repayment	repayment	NOUN
fsr-3462	398	46	worse	bad	ADJ
fsr-3462	398	47	.	.	PUNCT
fsr-3462	399	1	as	as	SCONJ
fsr-3462	399	2	hypothesized	hypothesized	ADJ
fsr-3462	399	3	earlier	early	ADV
fsr-3462	399	4	,	,	PUNCT
fsr-3462	399	5	a	a	DET
fsr-3462	399	6	higher	high	ADJ
fsr-3462	399	7	number	number	NOUN
fsr-3462	399	8	of	of	ADP
fsr-3462	399	9	credit	credit	NOUN
fsr-3462	399	10	cards	card	NOUN
fsr-3462	399	11	may	may	AUX
fsr-3462	399	12	be	be	AUX
fsr-3462	399	13	the	the	DET
fsr-3462	399	14	result	result	NOUN
fsr-3462	399	15	of	of	ADP
fsr-3462	399	16	maxing	maxe	VERB
fsr-3462	399	17	out	out	ADP
fsr-3462	399	18	of	of	ADP
fsr-3462	399	19	credit	credit	NOUN
fsr-3462	399	20	on	on	ADP
fsr-3462	399	21	one	one	NUM
fsr-3462	399	22	card	card	NOUN
fsr-3462	399	23	and	and	CCONJ
fsr-3462	399	24	consequently	consequently	ADV
fsr-3462	399	25	apply	apply	VERB
fsr-3462	399	26	for	for	ADP
fsr-3462	399	27	more	more	ADJ
fsr-3462	399	28	;	;	PUNCT
fsr-3462	399	29	or	or	CCONJ
fsr-3462	399	30	using	use	VERB
fsr-3462	399	31	new	new	ADJ
fsr-3462	399	32	credit	credit	NOUN
fsr-3462	399	33	cards	card	NOUN
fsr-3462	399	34	to	to	PART
fsr-3462	399	35	transfer	transfer	VERB
fsr-3462	399	36	balances	balance	NOUN
fsr-3462	399	37	(	(	PUNCT
fsr-3462	399	38	at	at	ADP
fsr-3462	399	39	promotional	promotional	ADJ
fsr-3462	399	40	interest	interest	NOUN
fsr-3462	399	41	rates	rate	NOUN
fsr-3462	399	42	)	)	PUNCT
fsr-3462	399	43	.	.	PUNCT
fsr-3462	400	1	g.	g.	PROPN
fsr-3462	400	2	barboza	barboza	PROPN
fsr-3462	400	3	et	et	PROPN
fsr-3462	400	4	al	al	PROPN
fsr-3462	400	5	.	.	PUNCT
fsr-3462	400	6	/	/	SYM
fsr-3462	400	7	financial	financial	ADJ
fsr-3462	400	8	services	service	NOUN
fsr-3462	400	9	review	review	VERB
fsr-3462	400	10	29	29	NUM
fsr-3462	400	11	(	(	PUNCT
fsr-3462	400	12	2021	2021	NUM
fsr-3462	400	13	)	)	PUNCT
fsr-3462	400	14	247–276	247–276	NUM
fsr-3462	400	15	263	263	NUM
fsr-3462	400	16	due	due	ADP
fsr-3462	400	17	to	to	ADP
fsr-3462	400	18	the	the	DET
fsr-3462	400	19	possible	possible	ADJ
fsr-3462	400	20	gains	gain	NOUN
fsr-3462	400	21	in	in	ADP
fsr-3462	400	22	understanding	understand	VERB
fsr-3462	400	23	individuals	individual	NOUN
fsr-3462	400	24	’	'	PUNCT
fsr-3462	400	25	behavior	behavior	NOUN
fsr-3462	400	26	on	on	ADP
fsr-3462	400	27	credit	credit	NOUN
fsr-3462	400	28	card	card	NOUN
fsr-3462	400	29	repayment	repayment	NOUN
fsr-3462	400	30	patterns	pattern	NOUN
fsr-3462	400	31	we	we	PRON
fsr-3462	400	32	proceed	proceed	VERB
fsr-3462	400	33	with	with	ADP
fsr-3462	400	34	a	a	DET
fsr-3462	400	35	further	further	ADJ
fsr-3462	400	36	decomposition	decomposition	NOUN
fsr-3462	400	37	of	of	ADP
fsr-3462	400	38	the	the	DET
fsr-3462	400	39	financial	financial	ADJ
fsr-3462	400	40	(	(	PUNCT
fsr-3462	400	41	il)literacy	il)literacy	NOUN
fsr-3462	400	42	by	by	ADP
fsr-3462	400	43	question	question	NOUN
fsr-3462	400	44	.	.	PUNCT
fsr-3462	401	1	first	first	ADV
fsr-3462	401	2	,	,	PUNCT
fsr-3462	401	3	notice	notice	VERB
fsr-3462	401	4	that	that	SCONJ
fsr-3462	401	5	under	under	ADP
fsr-3462	401	6	the	the	DET
fsr-3462	401	7	correct	correct	ADJ
fsr-3462	401	8	model	model	NOUN
fsr-3462	401	9	(	(	PUNCT
fsr-3462	401	10	1.2	1.2	NUM
fsr-3462	401	11	)	)	PUNCT
fsr-3462	401	12	,	,	PUNCT
fsr-3462	401	13	all	all	DET
fsr-3462	401	14	five	five	NUM
fsr-3462	401	15	questions	question	NOUN
fsr-3462	401	16	have	have	VERB
fsr-3462	401	17	the	the	DET
fsr-3462	401	18	expected	expect	VERB
fsr-3462	401	19	negative	negative	ADJ
fsr-3462	401	20	sign	sign	NOUN
fsr-3462	401	21	(	(	PUNCT
fsr-3462	401	22	answering	answer	VERB
fsr-3462	401	23	correctly	correctly	ADV
fsr-3462	401	24	results	result	NOUN
fsr-3462	401	25	in	in	ADP
fsr-3462	401	26	better	well	ADJ
fsr-3462	401	27	credit	credit	NOUN
fsr-3462	401	28	card	card	NOUN
fsr-3462	401	29	repayment	repayment	NOUN
fsr-3462	401	30	patterns	pattern	NOUN
fsr-3462	401	31	)	)	PUNCT
fsr-3462	401	32	even	even	ADV
fsr-3462	401	33	though	though	SCONJ
fsr-3462	401	34	none	none	NOUN
fsr-3462	401	35	individually	individually	ADV
fsr-3462	401	36	is	be	AUX
fsr-3462	401	37	statistically	statistically	ADV
fsr-3462	401	38	significant	significant	ADJ
fsr-3462	401	39	.	.	PUNCT
fsr-3462	402	1	in	in	ADP
fsr-3462	402	2	contrast	contrast	NOUN
fsr-3462	402	3	,	,	PUNCT
fsr-3462	402	4	model	model	NOUN
fsr-3462	402	5	(	(	PUNCT
fsr-3462	402	6	2.2	2.2	NUM
fsr-3462	402	7	)	)	PUNCT
fsr-3462	402	8	,	,	PUNCT
fsr-3462	402	9	yields	yield	VERB
fsr-3462	402	10	opposite	opposite	ADJ
fsr-3462	402	11	signs	sign	NOUN
fsr-3462	402	12	in	in	ADP
fsr-3462	402	13	all	all	DET
fsr-3462	402	14	five	five	NUM
fsr-3462	402	15	questions	question	NOUN
fsr-3462	402	16	in	in	ADP
fsr-3462	402	17	relation	relation	NOUN
fsr-3462	402	18	to	to	ADP
fsr-3462	402	19	the	the	DET
fsr-3462	402	20	correct	correct	ADJ
fsr-3462	402	21	model	model	NOUN
fsr-3462	402	22	version	version	NOUN
fsr-3462	402	23	.	.	PUNCT
fsr-3462	403	1	these	these	DET
fsr-3462	403	2	differences	difference	NOUN
fsr-3462	403	3	in	in	ADP
fsr-3462	403	4	results	result	NOUN
fsr-3462	403	5	are	be	AUX
fsr-3462	403	6	consistent	consistent	ADJ
fsr-3462	403	7	with	with	ADP
fsr-3462	403	8	expectations	expectation	NOUN
fsr-3462	403	9	,	,	PUNCT
fsr-3462	403	10	and	and	CCONJ
fsr-3462	403	11	apparently	apparently	ADV
fsr-3462	403	12	strong	strong	ADJ
fsr-3462	403	13	enough	enough	ADV
fsr-3462	403	14	to	to	PART
fsr-3462	403	15	explain	explain	VERB
fsr-3462	403	16	the	the	DET
fsr-3462	403	17	overall	overall	ADJ
fsr-3462	403	18	positive	positive	ADJ
fsr-3462	403	19	sign	sign	NOUN
fsr-3462	403	20	of	of	ADP
fsr-3462	403	21	the	the	DET
fsr-3462	403	22	total	total	ADJ
fsr-3462	403	23	number	number	NOUN
fsr-3462	403	24	of	of	ADP
fsr-3462	403	25	incorrect	incorrect	ADJ
fsr-3462	403	26	answers	answer	NOUN
fsr-3462	403	27	.	.	PUNCT
fsr-3462	404	1	lastly	lastly	ADV
fsr-3462	404	2	,	,	PUNCT
fsr-3462	404	3	the	the	DET
fsr-3462	404	4	dnk	dnk	NOUN
fsr-3462	404	5	model	model	NOUN
fsr-3462	404	6	(	(	PUNCT
fsr-3462	404	7	3.2	3.2	NUM
fsr-3462	404	8	)	)	PUNCT
fsr-3462	404	9	provides	provide	VERB
fsr-3462	404	10	results	result	NOUN
fsr-3462	404	11	that	that	PRON
fsr-3462	404	12	are	be	AUX
fsr-3462	404	13	more	more	ADV
fsr-3462	404	14	congruent	congruent	ADJ
fsr-3462	404	15	with	with	ADP
fsr-3462	404	16	the	the	DET
fsr-3462	404	17	correct	correct	ADJ
fsr-3462	404	18	estimations	estimation	NOUN
fsr-3462	404	19	than	than	ADP
fsr-3462	404	20	the	the	DET
fsr-3462	404	21	incorrect	incorrect	ADJ
fsr-3462	404	22	estimations	estimation	NOUN
fsr-3462	404	23	;	;	PUNCT
fsr-3462	404	24	thus	thus	ADV
fsr-3462	404	25	providing	provide	VERB
fsr-3462	404	26	further	further	ADJ
fsr-3462	404	27	evidence	evidence	NOUN
fsr-3462	404	28	in	in	ADP
fsr-3462	404	29	favor	favor	NOUN
fsr-3462	404	30	of	of	ADP
fsr-3462	404	31	the	the	DET
fsr-3462	404	32	hypothesis	hypothesis	NOUN
fsr-3462	404	33	that	that	PRON
fsr-3462	404	34	clustering	cluster	VERB
fsr-3462	404	35	incorrect	incorrect	ADJ
fsr-3462	404	36	with	with	ADP
fsr-3462	404	37	do	do	AUX
fsr-3462	404	38	not	not	PART
fsr-3462	404	39	know	know	VERB
fsr-3462	404	40	is	be	AUX
fsr-3462	404	41	not	not	PART
fsr-3462	404	42	an	an	DET
fsr-3462	404	43	appropriate	appropriate	ADJ
fsr-3462	404	44	way	way	NOUN
fsr-3462	404	45	to	to	PART
fsr-3462	404	46	understand	understand	VERB
fsr-3462	404	47	different	different	ADJ
fsr-3462	404	48	levels	level	NOUN
fsr-3462	404	49	of	of	ADP
fsr-3462	404	50	financial	financial	ADJ
fsr-3462	404	51	illiteracy	illiteracy	NOUN
fsr-3462	404	52	.	.	PUNCT
fsr-3462	405	1	however	however	ADV
fsr-3462	405	2	,	,	PUNCT
fsr-3462	405	3	given	give	VERB
fsr-3462	405	4	the	the	DET
fsr-3462	405	5	results	result	NOUN
fsr-3462	405	6	from	from	ADP
fsr-3462	405	7	the	the	DET
fsr-3462	405	8	alternative	alternative	ADJ
fsr-3462	405	9	estimations	estimation	NOUN
fsr-3462	405	10	in	in	ADP
fsr-3462	405	11	table	table	NOUN
fsr-3462	405	12	5	5	NUM
fsr-3462	405	13	,	,	PUNCT
fsr-3462	405	14	we	we	PRON
fsr-3462	405	15	confirm	confirm	VERB
fsr-3462	405	16	that	that	SCONJ
fsr-3462	405	17	the	the	DET
fsr-3462	405	18	role	role	NOUN
fsr-3462	405	19	of	of	ADP
fsr-3462	405	20	financial	financial	ADJ
fsr-3462	405	21	literacy	literacy	NOUN
fsr-3462	405	22	,	,	PUNCT
fsr-3462	405	23	or	or	CCONJ
fsr-3462	405	24	lack	lack	NOUN
fsr-3462	405	25	of	of	ADP
fsr-3462	405	26	,	,	PUNCT
fsr-3462	405	27	appears	appear	VERB
fsr-3462	405	28	not	not	PART
fsr-3462	405	29	to	to	PART
fsr-3462	405	30	dominate	dominate	VERB
fsr-3462	405	31	behavioral	behavioral	ADJ
fsr-3462	405	32	/	/	SYM
fsr-3462	405	33	personal	personal	ADJ
fsr-3462	405	34	traits	trait	NOUN
fsr-3462	405	35	(	(	PUNCT
fsr-3462	405	36	hypothesis	hypothesis	NOUN
fsr-3462	405	37	5	5	NUM
fsr-3462	405	38	)	)	PUNCT
fsr-3462	405	39	.	.	PUNCT
fsr-3462	406	1	this	this	PRON
fsr-3462	406	2	is	be	AUX
fsr-3462	406	3	to	to	PART
fsr-3462	406	4	say	say	VERB
fsr-3462	406	5	,	,	PUNCT
fsr-3462	406	6	that	that	SCONJ
fsr-3462	406	7	financial	financial	ADJ
fsr-3462	406	8	decisions	decision	NOUN
fsr-3462	406	9	seem	seem	VERB
fsr-3462	406	10	to	to	PART
fsr-3462	406	11	be	be	AUX
fsr-3462	406	12	made	make	VERB
fsr-3462	406	13	primarily	primarily	ADV
fsr-3462	406	14	along	along	ADP
fsr-3462	406	15	pattern	pattern	NOUN
fsr-3462	406	16	of	of	ADP
fsr-3462	406	17	behavioral	behavioral	ADJ
fsr-3462	406	18	traits	trait	NOUN
fsr-3462	406	19	and	and	CCONJ
fsr-3462	406	20	financial	financial	ADJ
fsr-3462	406	21	education	education	NOUN
fsr-3462	406	22	from	from	ADP
fsr-3462	406	23	parents	parent	NOUN
fsr-3462	406	24	;	;	PUNCT
fsr-3462	406	25	and	and	CCONJ
fsr-3462	406	26	in	in	ADP
fsr-3462	406	27	this	this	DET
fsr-3462	406	28	context	context	NOUN
fsr-3462	406	29	only	only	ADV
fsr-3462	406	30	marginally	marginally	ADV
fsr-3462	406	31	ameliorated	ameliorate	VERB
fsr-3462	406	32	by	by	ADP
fsr-3462	406	33	financial	financial	ADJ
fsr-3462	406	34	education	education	NOUN
fsr-3462	406	35	.	.	PUNCT
fsr-3462	407	1	assuming	assume	VERB
fsr-3462	407	2	that	that	SCONJ
fsr-3462	407	3	these	these	DET
fsr-3462	407	4	results	result	NOUN
fsr-3462	407	5	are	be	AUX
fsr-3462	407	6	consistent	consistent	ADJ
fsr-3462	407	7	and	and	CCONJ
fsr-3462	407	8	robust	robust	ADJ
fsr-3462	407	9	(	(	PUNCT
fsr-3462	407	10	after	after	ADP
fsr-3462	407	11	accounting	account	VERB
fsr-3462	407	12	for	for	ADP
fsr-3462	407	13	possible	possible	ADJ
fsr-3462	407	14	sample	sample	NOUN
fsr-3462	407	15	issues	issue	NOUN
fsr-3462	407	16	)	)	PUNCT
fsr-3462	407	17	then	then	ADV
fsr-3462	407	18	,	,	PUNCT
fsr-3462	407	19	they	they	PRON
fsr-3462	407	20	indicate	indicate	VERB
fsr-3462	407	21	that	that	SCONJ
fsr-3462	407	22	while	while	SCONJ
fsr-3462	407	23	financial	financial	ADJ
fsr-3462	407	24	literacy	literacy	NOUN
fsr-3462	407	25	is	be	AUX
fsr-3462	407	26	an	an	DET
fsr-3462	407	27	important	important	ADJ
fsr-3462	407	28	or	or	CCONJ
fsr-3462	407	29	fundamental	fundamental	ADJ
fsr-3462	407	30	element	element	NOUN
fsr-3462	407	31	for	for	ADP
fsr-3462	407	32	all	all	DET
fsr-3462	407	33	individuals	individual	NOUN
fsr-3462	407	34	to	to	PART
fsr-3462	407	35	learn	learn	VERB
fsr-3462	407	36	,	,	PUNCT
fsr-3462	407	37	behavioral	behavioral	ADJ
fsr-3462	407	38	variables	variable	NOUN
fsr-3462	407	39	drive	drive	VERB
fsr-3462	407	40	the	the	DET
fsr-3462	407	41	accumulation	accumulation	NOUN
fsr-3462	407	42	of	of	ADP
fsr-3462	407	43	credit	credit	NOUN
fsr-3462	407	44	card	card	NOUN
fsr-3462	407	45	debt	debt	NOUN
fsr-3462	407	46	and	and	CCONJ
fsr-3462	407	47	result	result	VERB
fsr-3462	407	48	in	in	ADP
fsr-3462	407	49	less	less	ADJ
fsr-3462	407	50	than	than	ADP
fsr-3462	407	51	optimal	optimal	ADJ
fsr-3462	407	52	repayment	repayment	NOUN
fsr-3462	407	53	.	.	PUNCT
fsr-3462	408	1	in	in	ADP
fsr-3462	408	2	this	this	DET
fsr-3462	408	3	respect	respect	NOUN
fsr-3462	408	4	,	,	PUNCT
fsr-3462	408	5	we	we	PRON
fsr-3462	408	6	confirm	confirm	VERB
fsr-3462	408	7	the	the	DET
fsr-3462	408	8	findings	finding	NOUN
fsr-3462	408	9	of	of	ADP
fsr-3462	408	10	xiao	xiao	PROPN
fsr-3462	408	11	et	et	PROPN
fsr-3462	408	12	al	al	PROPN
fsr-3462	408	13	.	.	PROPN
fsr-3462	409	1	(	(	PUNCT
fsr-3462	409	2	2011	2011	NUM
fsr-3462	409	3	)	)	PUNCT
fsr-3462	409	4	who	who	PRON
fsr-3462	409	5	,	,	PUNCT
fsr-3462	409	6	applying	apply	VERB
fsr-3462	409	7	the	the	DET
fsr-3462	409	8	theory	theory	NOUN
fsr-3462	409	9	of	of	ADP
fsr-3462	409	10	planned	plan	VERB
fsr-3462	409	11	behavior	behavior	NOUN
fsr-3462	409	12	to	to	PART
fsr-3462	409	13	investigate	investigate	VERB
fsr-3462	409	14	risky	risky	ADJ
fsr-3462	409	15	credit	credit	NOUN
fsr-3462	409	16	behavior	behavior	NOUN
fsr-3462	409	17	among	among	ADP
fsr-3462	409	18	college	college	NOUN
fsr-3462	409	19	students	student	NOUN
fsr-3462	409	20	,	,	PUNCT
fsr-3462	409	21	found	find	VERB
fsr-3462	409	22	that	that	SCONJ
fsr-3462	409	23	behavioral	behavioral	ADJ
fsr-3462	409	24	intentions	intention	NOUN
fsr-3462	409	25	were	be	AUX
fsr-3462	409	26	the	the	DET
fsr-3462	409	27	single	single	ADJ
fsr-3462	409	28	most	most	ADV
fsr-3462	409	29	important	important	ADJ
fsr-3462	409	30	factor	factor	NOUN
fsr-3462	409	31	in	in	ADP
fsr-3462	409	32	whether	whether	SCONJ
fsr-3462	409	33	students	student	NOUN
fsr-3462	409	34	make	make	VERB
fsr-3462	409	35	responsible	responsible	ADJ
fsr-3462	409	36	credit	credit	NOUN
fsr-3462	409	37	decisions	decision	NOUN
fsr-3462	409	38	(	(	PUNCT
fsr-3462	409	39	risky	risky	ADJ
fsr-3462	409	40	borrowing	borrowing	NOUN
fsr-3462	409	41	behavior	behavior	NOUN
fsr-3462	409	42	,	,	PUNCT
fsr-3462	409	43	risky	risky	ADJ
fsr-3462	409	44	paying	pay	VERB
fsr-3462	409	45	behavior	behavior	NOUN
fsr-3462	409	46	,	,	PUNCT
fsr-3462	409	47	and	and	CCONJ
fsr-3462	409	48	holding	hold	VERB
fsr-3462	409	49	credit	credit	NOUN
fsr-3462	409	50	card	card	NOUN
fsr-3462	409	51	debt	debt	NOUN
fsr-3462	409	52	)	)	PUNCT
fsr-3462	409	53	.	.	PUNCT
fsr-3462	410	1	under	under	ADP
fsr-3462	410	2	these	these	DET
fsr-3462	410	3	conditions	condition	NOUN
fsr-3462	410	4	,	,	PUNCT
fsr-3462	410	5	it	it	PRON
fsr-3462	410	6	then	then	ADV
fsr-3462	410	7	becomes	become	VERB
fsr-3462	410	8	relevant	relevant	ADJ
fsr-3462	410	9	to	to	PART
fsr-3462	410	10	explore	explore	VERB
fsr-3462	410	11	the	the	DET
fsr-3462	410	12	drivers	driver	NOUN
fsr-3462	410	13	of	of	ADP
fsr-3462	410	14	overspending	overspending	NOUN
fsr-3462	410	15	.	.	PUNCT
fsr-3462	411	1	given	give	VERB
fsr-3462	411	2	the	the	DET
fsr-3462	411	3	robustness	robustness	NOUN
fsr-3462	411	4	of	of	ADP
fsr-3462	411	5	the	the	DET
fsr-3462	411	6	personal	personal	ADJ
fsr-3462	411	7	trait	trait	NOUN
fsr-3462	411	8	variables	variable	NOUN
fsr-3462	411	9	,	,	PUNCT
fsr-3462	411	10	in	in	ADP
fsr-3462	411	11	conjunction	conjunction	NOUN
fsr-3462	411	12	with	with	ADP
fsr-3462	411	13	the	the	DET
fsr-3462	411	14	lack	lack	NOUN
fsr-3462	411	15	of	of	ADP
fsr-3462	411	16	strong	strong	ADJ
fsr-3462	411	17	statistical	statistical	ADJ
fsr-3462	411	18	significance	significance	NOUN
fsr-3462	411	19	of	of	ADP
fsr-3462	411	20	the	the	DET
fsr-3462	411	21	financial	financial	ADJ
fsr-3462	411	22	literacy	literacy	NOUN
fsr-3462	411	23	estimates	estimate	NOUN
fsr-3462	411	24	,	,	PUNCT
fsr-3462	411	25	several	several	ADJ
fsr-3462	411	26	possible	possible	ADJ
fsr-3462	411	27	scenarios	scenario	NOUN
fsr-3462	411	28	come	come	VERB
fsr-3462	411	29	to	to	ADP
fsr-3462	411	30	mind	mind	VERB
fsr-3462	411	31	.	.	PUNCT
fsr-3462	412	1	for	for	ADP
fsr-3462	412	2	instance	instance	NOUN
fsr-3462	412	3	,	,	PUNCT
fsr-3462	412	4	we	we	PRON
fsr-3462	412	5	can	can	AUX
fsr-3462	412	6	argue	argue	VERB
fsr-3462	412	7	as	as	ADP
fsr-3462	412	8	mentioned	mention	VERB
fsr-3462	412	9	above	above	ADP
fsr-3462	412	10	that	that	PRON
fsr-3462	412	11	behavioral	behavioral	ADJ
fsr-3462	412	12	traits	trait	NOUN
fsr-3462	412	13	are	be	AUX
fsr-3462	412	14	just	just	ADV
fsr-3462	412	15	too	too	ADV
fsr-3462	412	16	strong	strong	ADJ
fsr-3462	412	17	and	and	CCONJ
fsr-3462	412	18	clearly	clearly	ADV
fsr-3462	412	19	individuals	individual	NOUN
fsr-3462	412	20	have	have	VERB
fsr-3462	412	21	a	a	DET
fsr-3462	412	22	hard	hard	ADJ
fsr-3462	412	23	time	time	NOUN
fsr-3462	412	24	controlling	control	VERB
fsr-3462	412	25	them	they	PRON
fsr-3462	412	26	.	.	PUNCT
fsr-3462	413	1	particularly	particularly	ADV
fsr-3462	413	2	,	,	PUNCT
fsr-3462	413	3	issues	issue	NOUN
fsr-3462	413	4	relating	relate	VERB
fsr-3462	413	5	to	to	ADP
fsr-3462	413	6	present	present	ADJ
fsr-3462	413	7	-	-	PUNCT
fsr-3462	413	8	bias	bias	NOUN
fsr-3462	413	9	,	,	PUNCT
fsr-3462	413	10	preferences	preference	NOUN
fsr-3462	413	11	and	and	CCONJ
fsr-3462	413	12	gaps	gap	NOUN
fsr-3462	413	13	in	in	ADP
fsr-3462	413	14	mental	mental	ADJ
fsr-3462	413	15	accounting	accounting	NOUN
fsr-3462	413	16	are	be	AUX
fsr-3462	413	17	strong	strong	ADJ
fsr-3462	413	18	and	and	CCONJ
fsr-3462	413	19	present	present	ADJ
fsr-3462	413	20	.	.	PUNCT
fsr-3462	414	1	in	in	ADP
fsr-3462	414	2	addition	addition	NOUN
fsr-3462	414	3	,	,	PUNCT
fsr-3462	414	4	one	one	PRON
fsr-3462	414	5	can	can	AUX
fsr-3462	414	6	argue	argue	VERB
fsr-3462	414	7	that	that	SCONJ
fsr-3462	414	8	this	this	DET
fsr-3462	414	9	behavior	behavior	NOUN
fsr-3462	414	10	may	may	AUX
fsr-3462	414	11	be	be	AUX
fsr-3462	414	12	prevented	prevent	VERB
fsr-3462	414	13	or	or	CCONJ
fsr-3462	414	14	ameliorated	ameliorate	VERB
fsr-3462	414	15	with	with	ADP
fsr-3462	414	16	early	early	ADJ
fsr-3462	414	17	intervention	intervention	NOUN
fsr-3462	414	18	in	in	ADP
fsr-3462	414	19	the	the	DET
fsr-3462	414	20	form	form	NOUN
fsr-3462	414	21	of	of	ADP
fsr-3462	414	22	exposure	exposure	NOUN
fsr-3462	414	23	to	to	ADP
fsr-3462	414	24	financial	financial	ADJ
fsr-3462	414	25	literacy	literacy	NOUN
fsr-3462	414	26	.	.	PUNCT
fsr-3462	415	1	that	that	PRON
fsr-3462	415	2	is	be	AUX
fsr-3462	415	3	,	,	PUNCT
fsr-3462	415	4	there	there	PRON
fsr-3462	415	5	is	be	VERB
fsr-3462	415	6	the	the	DET
fsr-3462	415	7	possibility	possibility	NOUN
fsr-3462	415	8	that	that	SCONJ
fsr-3462	415	9	students	student	NOUN
fsr-3462	415	10	in	in	ADP
fsr-3462	415	11	our	our	PRON
fsr-3462	415	12	sample	sample	NOUN
fsr-3462	415	13	may	may	AUX
fsr-3462	415	14	be	be	AUX
fsr-3462	415	15	receiving	receive	VERB
fsr-3462	415	16	financial	financial	ADJ
fsr-3462	415	17	education	education	NOUN
fsr-3462	415	18	too	too	ADV
fsr-3462	415	19	late	late	ADV
fsr-3462	415	20	in	in	ADP
fsr-3462	415	21	life	life	NOUN
fsr-3462	415	22	,	,	PUNCT
fsr-3462	415	23	and	and	CCONJ
fsr-3462	415	24	thus	thus	ADV
fsr-3462	415	25	personality	personality	NOUN
fsr-3462	415	26	traits	trait	NOUN
fsr-3462	415	27	are	be	AUX
fsr-3462	415	28	harder	hard	ADJ
fsr-3462	415	29	to	to	AUX
fsr-3462	415	30	counterbalance	counterbalance	VERB
fsr-3462	415	31	.	.	PUNCT
fsr-3462	416	1	this	this	DET
fsr-3462	416	2	interpretation	interpretation	NOUN
fsr-3462	416	3	is	be	AUX
fsr-3462	416	4	compliant	compliant	ADJ
fsr-3462	416	5	also	also	ADV
fsr-3462	416	6	with	with	ADP
fsr-3462	416	7	the	the	DET
fsr-3462	416	8	relevance	relevance	NOUN
fsr-3462	416	9	of	of	ADP
fsr-3462	416	10	financial	financial	ADJ
fsr-3462	416	11	education	education	NOUN
fsr-3462	416	12	transmitted	transmit	VERB
fsr-3462	416	13	by	by	ADP
fsr-3462	416	14	parent	parent	NOUN
fsr-3462	416	15	in	in	ADP
fsr-3462	416	16	ameliorating	ameliorate	VERB
fsr-3462	416	17	the	the	DET
fsr-3462	416	18	credit	credit	NOUN
fsr-3462	416	19	card	card	NOUN
fsr-3462	416	20	repayment	repayment	NOUN
fsr-3462	416	21	.	.	PUNCT
fsr-3462	417	1	4.1	4.1	NUM
fsr-3462	417	2	.	.	PUNCT
fsr-3462	417	3	interaction	interaction	NOUN
fsr-3462	417	4	effects	effect	NOUN
fsr-3462	417	5	the	the	DET
fsr-3462	417	6	results	result	NOUN
fsr-3462	417	7	thus	thus	ADV
fsr-3462	417	8	far	far	ADV
fsr-3462	417	9	have	have	AUX
fsr-3462	417	10	provided	provide	VERB
fsr-3462	417	11	very	very	ADV
fsr-3462	417	12	useful	useful	ADJ
fsr-3462	417	13	information	information	NOUN
fsr-3462	417	14	in	in	ADP
fsr-3462	417	15	the	the	DET
fsr-3462	417	16	advancing	advance	VERB
fsr-3462	417	17	the	the	DET
fsr-3462	417	18	understanding	understanding	NOUN
fsr-3462	417	19	of	of	ADP
fsr-3462	417	20	the	the	DET
fsr-3462	417	21	relationship	relationship	NOUN
fsr-3462	417	22	between	between	ADP
fsr-3462	417	23	financial	financial	ADJ
fsr-3462	417	24	(	(	PUNCT
fsr-3462	417	25	il)literacy	il)literacy	NOUN
fsr-3462	417	26	and	and	CCONJ
fsr-3462	417	27	personality	personality	NOUN
fsr-3462	417	28	traits	trait	NOUN
fsr-3462	417	29	into	into	ADP
fsr-3462	417	30	credit	credit	NOUN
fsr-3462	417	31	card	card	NOUN
fsr-3462	417	32	repayment	repayment	NOUN
fsr-3462	417	33	decisions	decision	NOUN
fsr-3462	417	34	.	.	PUNCT
fsr-3462	418	1	however	however	ADV
fsr-3462	418	2	,	,	PUNCT
fsr-3462	418	3	the	the	DET
fsr-3462	418	4	relationships	relationship	NOUN
fsr-3462	418	5	may	may	AUX
fsr-3462	418	6	also	also	ADV
fsr-3462	418	7	be	be	AUX
fsr-3462	418	8	shaped	shape	VERB
fsr-3462	418	9	by	by	ADP
fsr-3462	418	10	the	the	DET
fsr-3462	418	11	presence	presence	NOUN
fsr-3462	418	12	of	of	ADP
fsr-3462	418	13	interaction	interaction	NOUN
fsr-3462	418	14	effects	effect	NOUN
fsr-3462	418	15	deriving	derive	VERB
fsr-3462	418	16	from	from	ADP
fsr-3462	418	17	financial	financial	ADJ
fsr-3462	418	18	(	(	PUNCT
fsr-3462	418	19	il)literacy	il)literacy	NOUN
fsr-3462	418	20	and	and	CCONJ
fsr-3462	418	21	the	the	DET
fsr-3462	418	22	behavioral	behavioral	ADJ
fsr-3462	418	23	or	or	CCONJ
fsr-3462	418	24	personality	personality	NOUN
fsr-3462	418	25	variables	variable	NOUN
fsr-3462	418	26	.	.	PUNCT
fsr-3462	419	1	as	as	SCONJ
fsr-3462	419	2	noted	note	VERB
fsr-3462	419	3	,	,	PUNCT
fsr-3462	419	4	we	we	PRON
fsr-3462	419	5	uncover	uncover	VERB
fsr-3462	419	6	that	that	SCONJ
fsr-3462	419	7	personality	personality	NOUN
fsr-3462	419	8	traits	trait	NOUN
fsr-3462	419	9	are	be	AUX
fsr-3462	419	10	dominant	dominant	ADJ
fsr-3462	419	11	in	in	ADP
fsr-3462	419	12	the	the	DET
fsr-3462	419	13	decision	decision	NOUN
fsr-3462	419	14	individuals	individual	NOUN
fsr-3462	420	1	264	264	NUM
fsr-3462	420	2	g.	g.	PROPN
fsr-3462	420	3	barboza	barboza	PROPN
fsr-3462	420	4	et	et	PROPN
fsr-3462	420	5	al	al	PROPN
fsr-3462	420	6	.	.	PUNCT
fsr-3462	420	7	/	/	SYM
fsr-3462	420	8	financial	financial	ADJ
fsr-3462	420	9	services	service	NOUN
fsr-3462	420	10	review	review	VERB
fsr-3462	420	11	29	29	NUM
fsr-3462	420	12	(	(	PUNCT
fsr-3462	420	13	2021	2021	NUM
fsr-3462	420	14	)	)	PUNCT
fsr-3462	420	15	247–276	247–276	NUM
fsr-3462	420	16	make	make	VERB
fsr-3462	420	17	,	,	PUNCT
fsr-3462	420	18	particularly	particularly	ADV
fsr-3462	420	19	overspending	overspending	NOUN
fsr-3462	420	20	(	(	PUNCT
fsr-3462	420	21	+	+	NOUN
fsr-3462	420	22	)	)	PUNCT
fsr-3462	420	23	and	and	CCONJ
fsr-3462	420	24	financial	financial	ADJ
fsr-3462	420	25	education	education	NOUN
fsr-3462	420	26	deriving	derive	VERB
fsr-3462	420	27	from	from	ADP
fsr-3462	420	28	parents	parent	NOUN
fsr-3462	420	29	(	(	PUNCT
fsr-3462	420	30	�	�	PROPN
fsr-3462	420	31	)	)	PUNCT
fsr-3462	420	32	.	.	PUNCT
fsr-3462	421	1	in	in	ADP
fsr-3462	421	2	this	this	DET
fsr-3462	421	3	context	context	NOUN
fsr-3462	421	4	,	,	PUNCT
fsr-3462	421	5	and	and	CCONJ
fsr-3462	421	6	given	give	VERB
fsr-3462	421	7	the	the	DET
fsr-3462	421	8	strong	strong	ADJ
fsr-3462	421	9	interest	interest	NOUN
fsr-3462	421	10	in	in	ADP
fsr-3462	421	11	the	the	DET
fsr-3462	421	12	effects	effect	NOUN
fsr-3462	421	13	that	that	PRON
fsr-3462	421	14	financial	financial	ADJ
fsr-3462	421	15	(	(	PUNCT
fsr-3462	421	16	il)literacy	il)literacy	NOUN
fsr-3462	421	17	may	may	AUX
fsr-3462	421	18	have	have	VERB
fsr-3462	421	19	on	on	ADP
fsr-3462	421	20	financial	financial	ADJ
fsr-3462	421	21	decision	decision	NOUN
fsr-3462	421	22	making	making	NOUN
fsr-3462	421	23	,	,	PUNCT
fsr-3462	421	24	we	we	PRON
fsr-3462	421	25	proceed	proceed	VERB
fsr-3462	421	26	to	to	PART
fsr-3462	421	27	compute	compute	VERB
fsr-3462	421	28	and	and	CCONJ
fsr-3462	421	29	report	report	VERB
fsr-3462	421	30	the	the	DET
fsr-3462	421	31	alternative	alternative	ADJ
fsr-3462	421	32	models	model	NOUN
fsr-3462	421	33	including	include	VERB
fsr-3462	421	34	interaction	interaction	NOUN
fsr-3462	421	35	effects	effect	NOUN
fsr-3462	421	36	between	between	ADP
fsr-3462	421	37	financial	financial	ADJ
fsr-3462	421	38	(	(	PUNCT
fsr-3462	421	39	il)literacy	il)literacy	NOUN
fsr-3462	421	40	and	and	CCONJ
fsr-3462	421	41	financial	financial	ADJ
fsr-3462	421	42	education	education	NOUN
fsr-3462	421	43	from	from	ADP
fsr-3462	421	44	parent	parent	NOUN
fsr-3462	421	45	and	and	CCONJ
fsr-3462	421	46	all	all	DET
fsr-3462	421	47	four	four	NUM
fsr-3462	421	48	behavioral	behavioral	ADJ
fsr-3462	421	49	variables	variable	NOUN
fsr-3462	421	50	.	.	PUNCT
fsr-3462	422	1	the	the	DET
fsr-3462	422	2	results	result	NOUN
fsr-3462	422	3	are	be	AUX
fsr-3462	422	4	presented	present	VERB
fsr-3462	422	5	in	in	ADP
fsr-3462	422	6	tables	table	NOUN
fsr-3462	422	7	6	6	NUM
fsr-3462	422	8	,	,	PUNCT
fsr-3462	422	9	6a	6a	NOUN
fsr-3462	422	10	,	,	PUNCT
fsr-3462	422	11	and	and	CCONJ
fsr-3462	422	12	6b	6b	NOUN
fsr-3462	422	13	,	,	PUNCT
fsr-3462	422	14	for	for	ADP
fsr-3462	422	15	correct	correct	ADJ
fsr-3462	422	16	,	,	PUNCT
fsr-3462	422	17	incorrect	incorrect	ADJ
fsr-3462	422	18	(	(	PUNCT
fsr-3462	422	19	level	level	NOUN
fsr-3462	422	20	a	a	NOUN
fsr-3462	422	21	)	)	PUNCT
fsr-3462	422	22	,	,	PUNCT
fsr-3462	422	23	and	and	CCONJ
fsr-3462	422	24	dnk	dnk	VERB
fsr-3462	422	25	(	(	PUNCT
fsr-3462	422	26	level	level	NOUN
fsr-3462	422	27	b	b	NOUN
fsr-3462	422	28	)	)	PUNCT
fsr-3462	422	29	,	,	PUNCT
fsr-3462	422	30	respectively	respectively	ADV
fsr-3462	422	31	.	.	PUNCT
fsr-3462	423	1	the	the	DET
fsr-3462	423	2	first	first	ADJ
fsr-3462	423	3	set	set	NOUN
fsr-3462	423	4	of	of	ADP
fsr-3462	423	5	estimations	estimation	NOUN
fsr-3462	423	6	in	in	ADP
fsr-3462	423	7	table	table	NOUN
fsr-3462	423	8	6	6	NUM
fsr-3462	423	9	corresponds	correspond	NOUN
fsr-3462	423	10	to	to	ADP
fsr-3462	423	11	the	the	DET
fsr-3462	423	12	financial	financial	ADJ
fsr-3462	423	13	literacy	literacy	NOUN
fsr-3462	423	14	-	-	PUNCT
fsr-3462	423	15	correct	correct	ADJ
fsr-3462	423	16	answering	answering	NOUN
fsr-3462	423	17	sample	sample	NOUN
fsr-3462	423	18	.	.	PUNCT
fsr-3462	424	1	in	in	ADP
fsr-3462	424	2	these	these	DET
fsr-3462	424	3	estimations	estimation	NOUN
fsr-3462	424	4	,	,	PUNCT
fsr-3462	424	5	we	we	PRON
fsr-3462	424	6	observe	observe	VERB
fsr-3462	424	7	that	that	SCONJ
fsr-3462	424	8	all	all	DET
fsr-3462	424	9	previous	previous	ADJ
fsr-3462	424	10	results	result	NOUN
fsr-3462	424	11	hold	hold	VERB
fsr-3462	424	12	,	,	PUNCT
fsr-3462	424	13	overspending	overspend	VERB
fsr-3462	424	14	having	have	VERB
fsr-3462	424	15	a	a	DET
fsr-3462	424	16	negative	negative	ADJ
fsr-3462	424	17	effect	effect	NOUN
fsr-3462	424	18	and	and	CCONJ
fsr-3462	424	19	worsening	worsen	VERB
fsr-3462	424	20	repayment	repayment	NOUN
fsr-3462	424	21	,	,	PUNCT
fsr-3462	424	22	increased	increase	VERB
fsr-3462	424	23	the	the	DET
fsr-3462	424	24	number	number	NOUN
fsr-3462	424	25	of	of	ADP
fsr-3462	424	26	credit	credit	NOUN
fsr-3462	424	27	cards	card	NOUN
fsr-3462	424	28	also	also	ADV
fsr-3462	424	29	worsening	worsen	VERB
fsr-3462	424	30	repayment	repayment	NOUN
fsr-3462	424	31	.	.	PUNCT
fsr-3462	425	1	fepar	fepar	NOUN
fsr-3462	425	2	has	have	VERB
fsr-3462	425	3	a	a	DET
fsr-3462	425	4	significant	significant	ADJ
fsr-3462	425	5	effect	effect	NOUN
fsr-3462	425	6	improving	improve	VERB
fsr-3462	425	7	credit	credit	NOUN
fsr-3462	425	8	card	card	NOUN
fsr-3462	425	9	repayment	repayment	NOUN
fsr-3462	425	10	when	when	SCONJ
fsr-3462	425	11	the	the	DET
fsr-3462	425	12	level	level	NOUN
fsr-3462	425	13	of	of	ADP
fsr-3462	425	14	financial	financial	ADJ
fsr-3462	425	15	literacy	literacy	NOUN
fsr-3462	425	16	is	be	AUX
fsr-3462	425	17	low	low	ADJ
fsr-3462	425	18	whereas	whereas	SCONJ
fsr-3462	425	19	higher	high	ADJ
fsr-3462	425	20	financial	financial	ADJ
fsr-3462	425	21	literacy	literacy	NOUN
fsr-3462	425	22	resulting	result	VERB
fsr-3462	425	23	in	in	ADP
fsr-3462	425	24	better	well	ADJ
fsr-3462	425	25	repayment	repayment	NOUN
fsr-3462	425	26	patterns	pattern	NOUN
fsr-3462	425	27	and	and	CCONJ
fsr-3462	425	28	lower	low	ADJ
fsr-3462	425	29	chance	chance	NOUN
fsr-3462	425	30	of	of	ADP
fsr-3462	425	31	accumulation	accumulation	NOUN
fsr-3462	425	32	month	month	NOUN
fsr-3462	425	33	-	-	PUNCT
fsr-3462	425	34	to	to	ADP
fsr-3462	425	35	-	-	PUNCT
fsr-3462	425	36	month	month	NOUN
fsr-3462	425	37	debt	debt	NOUN
fsr-3462	425	38	when	when	SCONJ
fsr-3462	425	39	students	student	NOUN
fsr-3462	425	40	did	do	AUX
fsr-3462	425	41	not	not	PART
fsr-3462	425	42	receive	receive	VERB
fsr-3462	425	43	financial	financial	ADJ
fsr-3462	425	44	education	education	NOUN
fsr-3462	425	45	from	from	ADP
fsr-3462	425	46	their	their	PRON
fsr-3462	425	47	parents	parent	NOUN
fsr-3462	425	48	.	.	PUNCT
fsr-3462	426	1	in	in	ADP
fsr-3462	426	2	addition	addition	NOUN
fsr-3462	426	3	,	,	PUNCT
fsr-3462	426	4	the	the	DET
fsr-3462	426	5	interaction	interaction	NOUN
fsr-3462	426	6	effect	effect	NOUN
fsr-3462	426	7	of	of	ADP
fsr-3462	426	8	financial	financial	ADJ
fsr-3462	426	9	literacy	literacy	NOUN
fsr-3462	426	10	and	and	CCONJ
fsr-3462	426	11	fepar	fepar	NOUN
fsr-3462	426	12	has	have	VERB
fsr-3462	426	13	a	a	DET
fsr-3462	426	14	positive	positive	ADJ
fsr-3462	426	15	and	and	CCONJ
fsr-3462	426	16	statistically	statistically	ADV
fsr-3462	426	17	significant	significant	ADJ
fsr-3462	426	18	coefficient	coefficient	NOUN
fsr-3462	426	19	:	:	PUNCT
fsr-3462	426	20	when	when	SCONJ
fsr-3462	426	21	students	student	NOUN
fsr-3462	426	22	receive	receive	VERB
fsr-3462	426	23	education	education	NOUN
fsr-3462	426	24	from	from	ADP
fsr-3462	426	25	parents	parent	NOUN
fsr-3462	426	26	the	the	DET
fsr-3462	426	27	positive	positive	ADJ
fsr-3462	426	28	effect	effect	NOUN
fsr-3462	426	29	of	of	ADP
fsr-3462	426	30	financial	financial	ADJ
fsr-3462	426	31	literacy	literacy	NOUN
fsr-3462	426	32	disappears	disappear	VERB
fsr-3462	426	33	.	.	PUNCT
fsr-3462	427	1	notice	notice	VERB
fsr-3462	427	2	also	also	ADV
fsr-3462	427	3	that	that	SCONJ
fsr-3462	427	4	the	the	DET
fsr-3462	427	5	akaike	akaike	ADJ
fsr-3462	427	6	information	information	NOUN
fsr-3462	427	7	criterion	criterion	NOUN
fsr-3462	427	8	(	(	PUNCT
fsr-3462	427	9	aic	aic	PROPN
fsr-3462	427	10	)	)	PUNCT
fsr-3462	427	11	for	for	ADP
fsr-3462	427	12	the	the	DET
fsr-3462	427	13	interaction	interaction	NOUN
fsr-3462	427	14	model	model	NOUN
fsr-3462	427	15	is	be	AUX
fsr-3462	427	16	lower	low	ADJ
fsr-3462	427	17	than	than	ADP
fsr-3462	427	18	the	the	DET
fsr-3462	427	19	corresponding	corresponding	ADJ
fsr-3462	427	20	model	model	NOUN
fsr-3462	427	21	in	in	ADP
fsr-3462	427	22	table	table	NOUN
fsr-3462	427	23	5	5	NUM
fsr-3462	427	24	without	without	ADP
fsr-3462	427	25	the	the	DET
fsr-3462	427	26	interaction	interaction	NOUN
fsr-3462	427	27	.	.	PUNCT
fsr-3462	428	1	this	this	PRON
fsr-3462	428	2	is	be	AUX
fsr-3462	428	3	to	to	PART
fsr-3462	428	4	say	say	VERB
fsr-3462	428	5	that	that	SCONJ
fsr-3462	428	6	the	the	DET
fsr-3462	428	7	interaction	interaction	NOUN
fsr-3462	428	8	model	model	NOUN
fsr-3462	428	9	specification	specification	NOUN
fsr-3462	428	10	is	be	AUX
fsr-3462	428	11	preferred	prefer	VERB
fsr-3462	428	12	.	.	PUNCT
fsr-3462	429	1	in	in	ADP
fsr-3462	429	2	addition	addition	NOUN
fsr-3462	429	3	,	,	PUNCT
fsr-3462	429	4	none	none	NOUN
fsr-3462	429	5	of	of	ADP
fsr-3462	429	6	the	the	DET
fsr-3462	429	7	other	other	ADJ
fsr-3462	429	8	interaction	interaction	NOUN
fsr-3462	429	9	effects	effect	NOUN
fsr-3462	429	10	prove	prove	VERB
fsr-3462	429	11	to	to	PART
fsr-3462	429	12	be	be	AUX
fsr-3462	429	13	statistically	statistically	ADV
fsr-3462	429	14	significant	significant	ADJ
fsr-3462	429	15	,	,	PUNCT
fsr-3462	429	16	and	and	CCONJ
fsr-3462	429	17	therefore	therefore	ADV
fsr-3462	429	18	the	the	DET
fsr-3462	429	19	models	model	NOUN
fsr-3462	429	20	are	be	AUX
fsr-3462	429	21	inferior	inferior	ADJ
fsr-3462	429	22	.	.	PUNCT
fsr-3462	430	1	for	for	ADP
fsr-3462	430	2	the	the	DET
fsr-3462	430	3	second	second	ADJ
fsr-3462	430	4	set	set	NOUN
fsr-3462	430	5	of	of	ADP
fsr-3462	430	6	interaction	interaction	NOUN
fsr-3462	430	7	models	model	NOUN
fsr-3462	430	8	,	,	PUNCT
fsr-3462	430	9	reported	report	VERB
fsr-3462	430	10	in	in	ADP
fsr-3462	430	11	table	table	NOUN
fsr-3462	430	12	6a	6a	NOUN
fsr-3462	430	13	,	,	PUNCT
fsr-3462	430	14	for	for	ADP
fsr-3462	430	15	the	the	DET
fsr-3462	430	16	level	level	NOUN
fsr-3462	430	17	of	of	ADP
fsr-3462	430	18	financial	financial	ADJ
fsr-3462	430	19	illiteracy	illiteracy	NOUN
fsr-3462	430	20	type	type	NOUN
fsr-3462	430	21	a	a	PRON
fsr-3462	430	22	,	,	PUNCT
fsr-3462	430	23	we	we	PRON
fsr-3462	430	24	also	also	ADV
fsr-3462	430	25	observe	observe	VERB
fsr-3462	430	26	results	result	NOUN
fsr-3462	430	27	that	that	PRON
fsr-3462	430	28	are	be	AUX
fsr-3462	430	29	in	in	ADP
fsr-3462	430	30	accordance	accordance	NOUN
fsr-3462	430	31	to	to	ADP
fsr-3462	430	32	the	the	DET
fsr-3462	430	33	estimations	estimation	NOUN
fsr-3462	430	34	reported	report	VERB
fsr-3462	430	35	in	in	ADP
fsr-3462	430	36	table	table	NOUN
fsr-3462	430	37	6	6	NUM
fsr-3462	430	38	.	.	PUNCT
fsr-3462	431	1	however	however	ADV
fsr-3462	431	2	,	,	PUNCT
fsr-3462	431	3	under	under	ADP
fsr-3462	431	4	the	the	DET
fsr-3462	431	5	interaction	interaction	NOUN
fsr-3462	431	6	effect	effect	NOUN
fsr-3462	431	7	model	model	NOUN
fsr-3462	431	8	1	1	NUM
fsr-3462	431	9	,	,	PUNCT
fsr-3462	431	10	the	the	DET
fsr-3462	431	11	level	level	NOUN
fsr-3462	431	12	of	of	ADP
fsr-3462	431	13	fepar	fepar	NOUN
fsr-3462	431	14	is	be	AUX
fsr-3462	431	15	now	now	ADV
fsr-3462	431	16	not	not	PART
fsr-3462	431	17	statistically	statistically	ADV
fsr-3462	431	18	significant	significant	ADJ
fsr-3462	431	19	,	,	PUNCT
fsr-3462	431	20	despite	despite	SCONJ
fsr-3462	431	21	holding	hold	VERB
fsr-3462	431	22	the	the	DET
fsr-3462	431	23	expected	expect	VERB
fsr-3462	431	24	sign	sign	NOUN
fsr-3462	431	25	.	.	PUNCT
fsr-3462	432	1	when	when	SCONJ
fsr-3462	432	2	the	the	DET
fsr-3462	432	3	financial	financial	ADJ
fsr-3462	432	4	illiteracy	illiteracy	NOUN
fsr-3462	432	5	is	be	AUX
fsr-3462	432	6	low	low	ADJ
fsr-3462	432	7	the	the	DET
fsr-3462	432	8	role	role	NOUN
fsr-3462	432	9	of	of	ADP
fsr-3462	432	10	financial	financial	ADJ
fsr-3462	432	11	education	education	NOUN
fsr-3462	432	12	from	from	ADP
fsr-3462	432	13	parents	parent	NOUN
fsr-3462	432	14	is	be	AUX
fsr-3462	432	15	not	not	PART
fsr-3462	432	16	significant	significant	ADJ
fsr-3462	432	17	in	in	ADP
fsr-3462	432	18	improving	improve	VERB
fsr-3462	432	19	the	the	DET
fsr-3462	432	20	credit	credit	NOUN
fsr-3462	432	21	card	card	NOUN
fsr-3462	432	22	repayment	repayment	NOUN
fsr-3462	432	23	.	.	PUNCT
fsr-3462	433	1	the	the	DET
fsr-3462	433	2	increase	increase	NOUN
fsr-3462	433	3	in	in	ADP
fsr-3462	433	4	the	the	DET
fsr-3462	433	5	number	number	NOUN
fsr-3462	433	6	of	of	ADP
fsr-3462	433	7	total	total	ADJ
fsr-3462	433	8	incorrect	incorrect	ADJ
fsr-3462	433	9	answers	answer	NOUN
fsr-3462	433	10	results	result	NOUN
fsr-3462	433	11	in	in	ADP
fsr-3462	433	12	credit	credit	NOUN
fsr-3462	433	13	card	card	NOUN
fsr-3462	433	14	repayment	repayment	NOUN
fsr-3462	433	15	worsening	worsening	NOUN
fsr-3462	433	16	.	.	PUNCT
fsr-3462	434	1	when	when	SCONJ
fsr-3462	434	2	we	we	PRON
fsr-3462	434	3	interact	interact	VERB
fsr-3462	434	4	financial	financial	ADJ
fsr-3462	434	5	illiteracy	illiteracy	NOUN
fsr-3462	434	6	and	and	CCONJ
fsr-3462	434	7	education	education	NOUN
fsr-3462	434	8	from	from	ADP
fsr-3462	434	9	parent	parent	NOUN
fsr-3462	434	10	the	the	DET
fsr-3462	434	11	coefficient	coefficient	NOUN
fsr-3462	434	12	is	be	AUX
fsr-3462	434	13	negative	negative	ADJ
fsr-3462	434	14	and	and	CCONJ
fsr-3462	434	15	statistically	statistically	ADV
fsr-3462	434	16	significant	significant	ADJ
fsr-3462	434	17	the	the	DET
fsr-3462	434	18	5	5	NUM
fsr-3462	434	19	%	%	NOUN
fsr-3462	434	20	level	level	NOUN
fsr-3462	434	21	of	of	ADP
fsr-3462	434	22	confidence	confidence	NOUN
fsr-3462	434	23	.	.	PUNCT
fsr-3462	435	1	our	our	PRON
fsr-3462	435	2	intuitive	intuitive	ADJ
fsr-3462	435	3	interpretation	interpretation	NOUN
fsr-3462	435	4	of	of	ADP
fsr-3462	435	5	this	this	DET
fsr-3462	435	6	effect	effect	NOUN
fsr-3462	435	7	is	be	AUX
fsr-3462	435	8	that	that	SCONJ
fsr-3462	435	9	for	for	ADP
fsr-3462	435	10	student	student	NOUN
fsr-3462	435	11	characterized	characterize	VERB
fsr-3462	435	12	by	by	ADP
fsr-3462	435	13	high	high	ADJ
fsr-3462	435	14	level	level	NOUN
fsr-3462	435	15	of	of	ADP
fsr-3462	435	16	financial	financial	ADJ
fsr-3462	435	17	illiteracy	illiteracy	NOUN
fsr-3462	435	18	the	the	DET
fsr-3462	435	19	education	education	NOUN
fsr-3462	435	20	received	receive	VERB
fsr-3462	435	21	from	from	ADP
fsr-3462	435	22	parents	parent	NOUN
fsr-3462	435	23	is	be	AUX
fsr-3462	435	24	fundamental	fundamental	ADJ
fsr-3462	435	25	in	in	ADP
fsr-3462	435	26	improving	improve	VERB
fsr-3462	435	27	the	the	DET
fsr-3462	435	28	credit	credit	NOUN
fsr-3462	435	29	card	card	NOUN
fsr-3462	435	30	repayment	repayment	NOUN
fsr-3462	435	31	.	.	PUNCT
fsr-3462	436	1	notice	notice	VERB
fsr-3462	436	2	that	that	SCONJ
fsr-3462	436	3	as	as	SCONJ
fsr-3462	436	4	it	it	PRON
fsr-3462	436	5	was	be	AUX
fsr-3462	436	6	the	the	DET
fsr-3462	436	7	case	case	NOUN
fsr-3462	436	8	for	for	ADP
fsr-3462	436	9	the	the	DET
fsr-3462	436	10	financial	financial	ADJ
fsr-3462	436	11	literacy	literacy	NOUN
fsr-3462	436	12	models	model	NOUN
fsr-3462	436	13	,	,	PUNCT
fsr-3462	436	14	all	all	DET
fsr-3462	436	15	other	other	ADJ
fsr-3462	436	16	interaction	interaction	NOUN
fsr-3462	436	17	effects	effect	NOUN
fsr-3462	436	18	are	be	AUX
fsr-3462	436	19	not	not	PART
fsr-3462	436	20	statistically	statistically	ADV
fsr-3462	436	21	significant	significant	ADJ
fsr-3462	436	22	and	and	CCONJ
fsr-3462	436	23	the	the	DET
fsr-3462	436	24	aic	aic	PROPN
fsr-3462	436	25	values	value	NOUN
fsr-3462	436	26	are	be	AUX
fsr-3462	436	27	also	also	ADV
fsr-3462	436	28	higher	high	ADJ
fsr-3462	436	29	.	.	PUNCT
fsr-3462	437	1	we	we	PRON
fsr-3462	437	2	argue	argue	VERB
fsr-3462	437	3	that	that	SCONJ
fsr-3462	437	4	the	the	DET
fsr-3462	437	5	model	model	NOUN
fsr-3462	437	6	1	1	NUM
fsr-3462	437	7	is	be	AUX
fsr-3462	437	8	the	the	DET
fsr-3462	437	9	preferred	preferred	ADJ
fsr-3462	437	10	model	model	NOUN
fsr-3462	437	11	.	.	PUNCT
fsr-3462	438	1	for	for	ADP
fsr-3462	438	2	the	the	DET
fsr-3462	438	3	third	third	ADJ
fsr-3462	438	4	estimations	estimation	NOUN
fsr-3462	438	5	,	,	PUNCT
fsr-3462	438	6	where	where	SCONJ
fsr-3462	438	7	financial	financial	ADJ
fsr-3462	438	8	illiteracy	illiteracy	NOUN
fsr-3462	438	9	is	be	AUX
fsr-3462	438	10	measured	measure	VERB
fsr-3462	438	11	through	through	ADP
fsr-3462	438	12	dnk	dnk	ADJ
fsr-3462	438	13	answers	answer	NOUN
fsr-3462	438	14	(	(	PUNCT
fsr-3462	438	15	table	table	NOUN
fsr-3462	438	16	6b	6b	NOUN
fsr-3462	438	17	)	)	PUNCT
fsr-3462	438	18	,	,	PUNCT
fsr-3462	438	19	we	we	PRON
fsr-3462	438	20	observe	observe	VERB
fsr-3462	438	21	that	that	SCONJ
fsr-3462	438	22	the	the	DET
fsr-3462	438	23	interaction	interaction	NOUN
fsr-3462	438	24	effects	effect	NOUN
fsr-3462	438	25	model	model	NOUN
fsr-3462	438	26	for	for	ADP
fsr-3462	438	27	fepar	fepar	NOUN
fsr-3462	438	28	and	and	CCONJ
fsr-3462	438	29	financial	financial	ADJ
fsr-3462	438	30	illiteracy	illiteracy	NOUN
fsr-3462	438	31	level	level	PROPN
fsr-3462	438	32	b	b	PROPN
fsr-3462	438	33	is	be	AUX
fsr-3462	438	34	significant	significant	ADJ
fsr-3462	438	35	and	and	CCONJ
fsr-3462	438	36	holds	hold	VERB
fsr-3462	438	37	a	a	DET
fsr-3462	438	38	negative	negative	ADJ
fsr-3462	438	39	sign	sign	NOUN
fsr-3462	438	40	.	.	PUNCT
fsr-3462	439	1	our	our	PRON
fsr-3462	439	2	intuitive	intuitive	ADJ
fsr-3462	439	3	rationale	rationale	NOUN
fsr-3462	439	4	for	for	ADP
fsr-3462	439	5	the	the	DET
fsr-3462	439	6	coefficient	coefficient	NOUN
fsr-3462	439	7	in	in	ADP
fsr-3462	439	8	this	this	DET
fsr-3462	439	9	model	model	NOUN
fsr-3462	439	10	is	be	AUX
fsr-3462	439	11	that	that	SCONJ
fsr-3462	439	12	students	student	NOUN
fsr-3462	439	13	that	that	PRON
fsr-3462	439	14	mainly	mainly	ADV
fsr-3462	439	15	answered	answer	VERB
fsr-3462	439	16	dnk	dnk	NOUN
fsr-3462	439	17	are	be	AUX
fsr-3462	439	18	able	able	ADJ
fsr-3462	439	19	to	to	PART
fsr-3462	439	20	improve	improve	VERB
fsr-3462	439	21	their	their	PRON
fsr-3462	439	22	credit	credit	NOUN
fsr-3462	439	23	card	card	NOUN
fsr-3462	439	24	repayment	repayment	NOUN
fsr-3462	439	25	habits	habit	NOUN
fsr-3462	439	26	if	if	SCONJ
fsr-3462	439	27	they	they	PRON
fsr-3462	439	28	received	receive	VERB
fsr-3462	439	29	proper	proper	ADJ
fsr-3462	439	30	financial	financial	ADJ
fsr-3462	439	31	education	education	NOUN
fsr-3462	439	32	from	from	ADP
fsr-3462	439	33	parents	parent	NOUN
fsr-3462	439	34	.	.	PUNCT
fsr-3462	440	1	in	in	ADP
fsr-3462	440	2	addition	addition	NOUN
fsr-3462	440	3	,	,	PUNCT
fsr-3462	440	4	it	it	PRON
fsr-3462	440	5	is	be	AUX
fsr-3462	440	6	relevant	relevant	ADJ
fsr-3462	440	7	to	to	PART
fsr-3462	440	8	point	point	VERB
fsr-3462	440	9	out	out	ADP
fsr-3462	440	10	that	that	SCONJ
fsr-3462	440	11	the	the	DET
fsr-3462	440	12	financial	financial	ADJ
fsr-3462	440	13	illiteracy	illiteracy	NOUN
fsr-3462	440	14	coefficient	coefficient	NOUN
fsr-3462	440	15	is	be	AUX
fsr-3462	440	16	not	not	PART
fsr-3462	440	17	statistically	statistically	ADV
fsr-3462	440	18	significant	significant	ADJ
fsr-3462	440	19	(	(	PUNCT
fsr-3462	440	20	as	as	SCONJ
fsr-3462	440	21	it	it	PRON
fsr-3462	440	22	was	be	AUX
fsr-3462	440	23	in	in	ADP
fsr-3462	440	24	model	model	NOUN
fsr-3462	440	25	3.1	3.1	NUM
fsr-3462	440	26	–	–	PUNCT
fsr-3462	440	27	table	table	NOUN
fsr-3462	440	28	5	5	NUM
fsr-3462	440	29	)	)	PUNCT
fsr-3462	440	30	,	,	PUNCT
fsr-3462	440	31	but	but	CCONJ
fsr-3462	440	32	it	it	PRON
fsr-3462	440	33	now	now	ADV
fsr-3462	440	34	present	present	VERB
fsr-3462	440	35	a	a	DET
fsr-3462	440	36	reversal	reversal	NOUN
fsr-3462	440	37	of	of	ADP
fsr-3462	440	38	sign	sign	NOUN
fsr-3462	440	39	.	.	PUNCT
fsr-3462	441	1	in	in	ADP
fsr-3462	441	2	addition	addition	NOUN
fsr-3462	441	3	,	,	PUNCT
fsr-3462	441	4	the	the	DET
fsr-3462	441	5	aic	aic	PROPN
fsr-3462	441	6	for	for	ADP
fsr-3462	441	7	model	model	NOUN
fsr-3462	441	8	1	1	NUM
fsr-3462	441	9	–	–	PUNCT
fsr-3462	441	10	table	table	NOUN
fsr-3462	441	11	6b	6b	NOUN
fsr-3462	441	12	is	be	AUX
fsr-3462	441	13	lower	low	ADJ
fsr-3462	441	14	than	than	ADP
fsr-3462	441	15	the	the	DET
fsr-3462	441	16	corresponding	corresponding	ADJ
fsr-3462	441	17	model	model	NOUN
fsr-3462	441	18	in	in	ADP
fsr-3462	441	19	table	table	NOUN
fsr-3462	441	20	5	5	NUM
fsr-3462	441	21	,	,	PUNCT
fsr-3462	441	22	without	without	ADP
fsr-3462	441	23	interaction	interaction	NOUN
fsr-3462	441	24	effects	effect	NOUN
fsr-3462	441	25	.	.	PUNCT
fsr-3462	442	1	thus	thus	ADV
fsr-3462	442	2	,	,	PUNCT
fsr-3462	442	3	we	we	PRON
fsr-3462	442	4	preferred	prefer	VERB
fsr-3462	442	5	the	the	DET
fsr-3462	442	6	interaction	interaction	NOUN
fsr-3462	442	7	model	model	NOUN
fsr-3462	442	8	specification	specification	NOUN
fsr-3462	442	9	in	in	ADP
fsr-3462	442	10	this	this	DET
fsr-3462	442	11	regard	regard	NOUN
fsr-3462	442	12	.	.	PUNCT
fsr-3462	443	1	as	as	SCONJ
fsr-3462	443	2	it	it	PRON
fsr-3462	443	3	was	be	AUX
fsr-3462	443	4	with	with	ADP
fsr-3462	443	5	other	other	ADJ
fsr-3462	443	6	models	model	NOUN
fsr-3462	443	7	,	,	PUNCT
fsr-3462	443	8	interaction	interaction	NOUN
fsr-3462	443	9	effects	effect	NOUN
fsr-3462	443	10	for	for	ADP
fsr-3462	443	11	all	all	DET
fsr-3462	443	12	other	other	ADJ
fsr-3462	443	13	variables	variable	NOUN
fsr-3462	443	14	are	be	AUX
fsr-3462	443	15	not	not	PART
fsr-3462	443	16	statistically	statistically	ADV
fsr-3462	443	17	significant	significant	ADJ
fsr-3462	443	18	.	.	PUNCT
fsr-3462	444	1	our	our	PRON
fsr-3462	444	2	findings	finding	NOUN
fsr-3462	444	3	do	do	AUX
fsr-3462	444	4	not	not	PART
fsr-3462	444	5	confirm	confirm	VERB
fsr-3462	444	6	completely	completely	ADV
fsr-3462	444	7	hypothesis	hypothesis	NOUN
fsr-3462	444	8	5	5	NUM
fsr-3462	444	9	.	.	PUNCT
fsr-3462	445	1	we	we	PRON
fsr-3462	445	2	do	do	AUX
fsr-3462	445	3	not	not	PART
fsr-3462	445	4	detect	detect	VERB
fsr-3462	445	5	that	that	DET
fsr-3462	445	6	positive	positive	ADJ
fsr-3462	445	7	effects	effect	NOUN
fsr-3462	445	8	from	from	ADP
fsr-3462	445	9	higher	high	ADJ
fsr-3462	445	10	levels	level	NOUN
fsr-3462	445	11	of	of	ADP
fsr-3462	445	12	financial	financial	ADJ
fsr-3462	445	13	literacy	literacy	NOUN
fsr-3462	445	14	could	could	AUX
fsr-3462	445	15	be	be	AUX
fsr-3462	445	16	overpowered	overpower	VERB
fsr-3462	445	17	by	by	ADP
fsr-3462	445	18	personal	personal	ADJ
fsr-3462	445	19	traits	trait	NOUN
fsr-3462	445	20	.	.	PUNCT
fsr-3462	446	1	furthermore	furthermore	ADV
fsr-3462	446	2	,	,	PUNCT
fsr-3462	446	3	g.	g.	PROPN
fsr-3462	446	4	barboza	barboza	PROPN
fsr-3462	446	5	et	et	PROPN
fsr-3462	446	6	al	al	PROPN
fsr-3462	446	7	.	.	PUNCT
fsr-3462	446	8	/	/	SYM
fsr-3462	446	9	financial	financial	ADJ
fsr-3462	446	10	services	service	NOUN
fsr-3462	446	11	review	review	VERB
fsr-3462	446	12	29	29	NUM
fsr-3462	446	13	(	(	PUNCT
fsr-3462	446	14	2021	2021	NUM
fsr-3462	446	15	)	)	PUNCT
fsr-3462	447	1	247–276	247–276	NUM
fsr-3462	447	2	265	265	NUM
fsr-3462	447	3	t	t	PROPN
fsr-3462	447	4	ab	ab	X
fsr-3462	447	5	le	le	PROPN
fsr-3462	447	6	6	6	NUM
fsr-3462	447	7	c	c	NOUN
fsr-3462	447	8	o	o	NOUN
fsr-3462	447	9	n	n	CCONJ
fsr-3462	447	10	su	su	PROPN
fsr-3462	447	11	m	m	PROPN
fsr-3462	447	12	er	er	INTJ
fsr-3462	447	13	b	b	X
fsr-3462	447	14	eh	eh	INTJ
fsr-3462	447	15	av	av	PROPN
fsr-3462	447	16	io	io	NOUN
fsr-3462	447	17	r	r	PROPN
fsr-3462	447	18	w	w	PROPN
fsr-3462	447	19	it	it	PRON
fsr-3462	447	20	h	h	NOUN
fsr-3462	447	21	cr	cr	INTJ
fsr-3462	448	1	ed	ed	NOUN
fsr-3462	449	1	it	it	PRON
fsr-3462	449	2	ca	can	AUX
fsr-3462	449	3	rd	rd	VERB
fsr-3462	449	4	re	re	PROPN
fsr-3462	449	5	p	p	PROPN
fsr-3462	449	6	ay	ay	PROPN
fsr-3462	449	7	m	m	PROPN
fsr-3462	449	8	en	en	ADP
fsr-3462	449	9	t	t	X
fsr-3462	449	10	fr	fr	NOUN
fsr-3462	449	11	eq	eq	ADP
fsr-3462	449	12	u	u	PROPN
fsr-3462	449	13	en	en	PROPN
fsr-3462	449	14	cy	cy	PROPN
fsr-3462	449	15	as	as	ADP
fsr-3462	449	16	d	d	PROPN
fsr-3462	449	17	ep	ep	PROPN
fsr-3462	450	1	en	en	PROPN
fsr-3462	450	2	d	d	PROPN
fsr-3462	450	3	en	en	PROPN
fsr-3462	450	4	t	t	PROPN
fsr-3462	450	5	v	v	PROPN
fsr-3462	450	6	ar	ar	PROPN
fsr-3462	450	7	ia	ia	PROPN
fsr-3462	450	8	b	b	PROPN
fsr-3462	450	9	le	le	X
fsr-3462	450	10	(	(	PUNCT
fsr-3462	450	11	c	c	NOUN
fsr-3462	450	12	o	o	PROPN
fsr-3462	450	13	rr	rr	PROPN
fsr-3462	450	14	ec	ec	PROPN
fsr-3462	450	15	t	t	PROPN
fsr-3462	450	16	an	an	DET
fsr-3462	450	17	sw	sw	PROPN
fsr-3462	450	18	er	er	INTJ
fsr-3462	450	19	s	s	PROPN
fsr-3462	450	20	)	)	PUNCT
fsr-3462	450	21	c	c	NOUN
fsr-3462	451	1	o	o	PROPN
fsr-3462	451	2	rr	rr	PROPN
fsr-3462	451	3	ec	ec	PROPN
fsr-3462	451	4	t	t	PROPN
fsr-3462	451	5	an	an	DET
fsr-3462	451	6	sw	sw	PROPN
fsr-3462	451	7	er	er	INTJ
fsr-3462	451	8	s	s	VERB
fsr-3462	451	9	m	m	NOUN
fsr-3462	451	10	o	o	X
fsr-3462	452	1	d	d	X
fsr-3462	452	2	el	el	PROPN
fsr-3462	452	3	s	s	PROPN
fsr-3462	452	4	w	w	NOUN
fsr-3462	452	5	it	it	PRON
fsr-3462	452	6	h	h	NOUN
fsr-3462	452	7	in	in	ADP
fsr-3462	452	8	te	te	ADP
fsr-3462	452	9	ra	ra	PROPN
fsr-3462	452	10	ct	ct	PROPN
fsr-3462	452	11	io	io	PROPN
fsr-3462	452	12	n	n	PROPN
fsr-3462	452	13	ef	ef	X
fsr-3462	452	14	fe	fe	X
fsr-3462	452	15	ct	ct	PROPN
fsr-3462	452	16	s	s	PROPN
fsr-3462	452	17	1	1	NUM
fsr-3462	452	18	2	2	NUM
fsr-3462	452	19	3	3	NUM
fsr-3462	452	20	4	4	NUM
fsr-3462	452	21	5	5	NUM
fsr-3462	452	22	f	f	NOUN
fsr-3462	452	23	in	in	ADP
fsr-3462	452	24	an	an	DET
fsr-3462	452	25	ci	ci	NOUN
fsr-3462	452	26	al	al	PROPN
fsr-3462	452	27	ed	ed	PROPN
fsr-3462	452	28	u	u	PROPN
fsr-3462	452	29	c	c	PROPN
fsr-3462	452	30	p	p	PROPN
fsr-3462	452	31	ar	ar	PROPN
fsr-3462	452	32	en	en	X
fsr-3462	452	33	ts	ts	ADP
fsr-3462	452	34	�	�	PROPN
fsr-3462	452	35	2	2	NUM
fsr-3462	452	36	.1	.1	NUM
fsr-3462	452	37	4	4	NUM
fsr-3462	452	38	5	5	NUM
fsr-3462	452	39	(	(	PUNCT
fsr-3462	452	40	0	0	NUM
fsr-3462	452	41	.0	.0	NUM
fsr-3462	452	42	0	0	NUM
fsr-3462	452	43	1	1	NUM
fsr-3462	452	44	)	)	PUNCT
fsr-3462	452	45	*	*	PUNCT
fsr-3462	453	1	*	*	PUNCT
fsr-3462	453	2	*	*	PUNCT
fsr-3462	453	3	�	�	PROPN
fsr-3462	453	4	0	0	NUM
fsr-3462	453	5	.9	.9	NUM
fsr-3462	453	6	3	3	NUM
fsr-3462	453	7	4	4	NUM
fsr-3462	453	8	(	(	PUNCT
fsr-3462	453	9	0	0	NUM
fsr-3462	453	10	.0	.0	NUM
fsr-3462	453	11	0	0	NUM
fsr-3462	453	12	1	1	NUM
fsr-3462	453	13	)	)	PUNCT
fsr-3462	453	14	*	*	PUNCT
fsr-3462	454	1	*	*	PUNCT
fsr-3462	454	2	*	*	PUNCT
fsr-3462	454	3	�	�	PROPN
fsr-3462	454	4	0	0	NUM
fsr-3462	454	5	.9	.9	NUM
fsr-3462	454	6	3	3	NUM
fsr-3462	454	7	6	6	NUM
fsr-3462	454	8	(	(	PUNCT
fsr-3462	454	9	0	0	NUM
fsr-3462	454	10	.0	.0	NUM
fsr-3462	454	11	0	0	NUM
fsr-3462	454	12	1	1	NUM
fsr-3462	454	13	)	)	PUNCT
fsr-3462	454	14	*	*	PUNCT
fsr-3462	455	1	*	*	PUNCT
fsr-3462	455	2	*	*	PUNCT
fsr-3462	455	3	�	�	PROPN
fsr-3462	455	4	0	0	NUM
fsr-3462	455	5	.9	.9	NUM
fsr-3462	455	6	2	2	NUM
fsr-3462	455	7	7	7	NUM
fsr-3462	455	8	(	(	PUNCT
fsr-3462	455	9	0	0	NUM
fsr-3462	455	10	.0	.0	NUM
fsr-3462	455	11	0	0	NUM
fsr-3462	455	12	1	1	NUM
fsr-3462	455	13	)	)	PUNCT
fsr-3462	455	14	*	*	PUNCT
fsr-3462	456	1	*	*	PUNCT
fsr-3462	456	2	*	*	PUNCT
fsr-3462	456	3	�	�	PROPN
fsr-3462	456	4	0	0	NUM
fsr-3462	456	5	.9	.9	NUM
fsr-3462	456	6	3	3	NUM
fsr-3462	456	7	9	9	NUM
fsr-3462	456	8	(	(	PUNCT
fsr-3462	456	9	0	0	NUM
fsr-3462	456	10	.0	.0	NUM
fsr-3462	456	11	0	0	NUM
fsr-3462	456	12	1	1	NUM
fsr-3462	456	13	)	)	PUNCT
fsr-3462	456	14	*	*	PUNCT
fsr-3462	457	1	*	*	PUNCT
fsr-3462	457	2	*	*	PUNCT
fsr-3462	457	3	a	a	DET
fsr-3462	457	4	n	n	NOUN
fsr-3462	457	5	x	x	X
fsr-3462	457	6	ie	ie	ADV
fsr-3462	457	7	ty	ty	INTJ
fsr-3462	457	8	0	0	NUM
fsr-3462	457	9	.1	.1	NUM
fsr-3462	457	10	2	2	NUM
fsr-3462	457	11	5	5	NUM
fsr-3462	457	12	(	(	PUNCT
fsr-3462	457	13	0	0	NUM
fsr-3462	457	14	.2	.2	NUM
fsr-3462	457	15	4	4	NUM
fsr-3462	457	16	)	)	PUNCT
fsr-3462	457	17	0	0	NUM
fsr-3462	458	1	.2	.2	NUM
fsr-3462	458	2	3	3	NUM
fsr-3462	458	3	8	8	NUM
fsr-3462	458	4	(	(	PUNCT
fsr-3462	458	5	0	0	NUM
fsr-3462	458	6	.4	.4	NUM
fsr-3462	458	7	0	0	NUM
fsr-3462	458	8	)	)	PUNCT
fsr-3462	458	9	0	0	NUM
fsr-3462	459	1	.1	.1	NUM
fsr-3462	459	2	4	4	NUM
fsr-3462	459	3	0	0	NUM
fsr-3462	459	4	(	(	PUNCT
fsr-3462	459	5	0	0	NUM
fsr-3462	459	6	.1	.1	NUM
fsr-3462	459	7	8	8	NUM
fsr-3462	459	8	)	)	PUNCT
fsr-3462	459	9	0	0	NUM
fsr-3462	459	10	.1	.1	NUM
fsr-3462	459	11	4	4	NUM
fsr-3462	459	12	4	4	NUM
fsr-3462	459	13	(	(	PUNCT
fsr-3462	459	14	0	0	NUM
fsr-3462	459	15	.1	.1	NUM
fsr-3462	459	16	7	7	NUM
fsr-3462	459	17	)	)	PUNCT
fsr-3462	459	18	0	0	NUM
fsr-3462	459	19	.1	.1	NUM
fsr-3462	459	20	4	4	NUM
fsr-3462	459	21	4	4	NUM
fsr-3462	459	22	(	(	PUNCT
fsr-3462	459	23	0	0	NUM
fsr-3462	459	24	.1	.1	NUM
fsr-3462	459	25	7	7	NUM
fsr-3462	459	26	)	)	PUNCT
fsr-3462	459	27	s	s	VERB
fsr-3462	459	28	u	u	X
fsr-3462	459	29	rp	rp	NOUN
fsr-3462	459	30	ri	ri	PROPN
fsr-3462	459	31	se	se	PROPN
fsr-3462	460	1	d	d	X
fsr-3462	460	2	0	0	PROPN
fsr-3462	460	3	.1	.1	NUM
fsr-3462	460	4	2	2	NUM
fsr-3462	460	5	0	0	NUM
fsr-3462	460	6	(	(	PUNCT
fsr-3462	460	7	0	0	NUM
fsr-3462	460	8	.3	.3	NUM
fsr-3462	460	9	7	7	NUM
fsr-3462	460	10	)	)	PUNCT
fsr-3462	460	11	0	0	NUM
fsr-3462	461	1	.1	.1	NUM
fsr-3462	461	2	3	3	NUM
fsr-3462	461	3	5	5	NUM
fsr-3462	461	4	(	(	PUNCT
fsr-3462	461	5	0	0	NUM
fsr-3462	461	6	.3	.3	NUM
fsr-3462	461	7	1	1	NUM
fsr-3462	461	8	)	)	PUNCT
fsr-3462	461	9	0	0	NUM
fsr-3462	461	10	.1	.1	NUM
fsr-3462	461	11	4	4	NUM
fsr-3462	461	12	7	7	NUM
fsr-3462	461	13	(	(	PUNCT
fsr-3462	461	14	0	0	NUM
fsr-3462	461	15	.2	.2	NUM
fsr-3462	461	16	7	7	NUM
fsr-3462	461	17	)	)	PUNCT
fsr-3462	461	18	0	0	NUM
fsr-3462	462	1	.3	.3	NUM
fsr-3462	462	2	9	9	NUM
fsr-3462	462	3	5	5	NUM
fsr-3462	462	4	(	(	PUNCT
fsr-3462	462	5	0	0	NUM
fsr-3462	462	6	.1	.1	NUM
fsr-3462	462	7	3	3	NUM
fsr-3462	462	8	)	)	PUNCT
fsr-3462	462	9	0	0	NUM
fsr-3462	463	1	.1	.1	NUM
fsr-3462	463	2	4	4	NUM
fsr-3462	463	3	4	4	NUM
fsr-3462	463	4	(	(	PUNCT
fsr-3462	463	5	0	0	NUM
fsr-3462	463	6	.2	.2	NUM
fsr-3462	463	7	8	8	NUM
fsr-3462	463	8	)	)	PUNCT
fsr-3462	464	1	o	o	NOUN
fsr-3462	464	2	v	v	INTJ
fsr-3462	464	3	er	er	INTJ
fsr-3462	464	4	s	s	X
fsr-3462	464	5	p	p	X
fsr-3462	464	6	en	en	PROPN
fsr-3462	464	7	d	d	PROPN
fsr-3462	464	8	in	in	ADP
fsr-3462	464	9	g	g	PROPN
fsr-3462	464	10	0	0	NUM
fsr-3462	464	11	.5	.5	NUM
fsr-3462	464	12	7	7	NUM
fsr-3462	464	13	7	7	NUM
fsr-3462	464	14	(	(	PUNCT
fsr-3462	464	15	0	0	NUM
fsr-3462	464	16	.0	.0	NUM
fsr-3462	464	17	0	0	NUM
fsr-3462	464	18	1	1	NUM
fsr-3462	464	19	)	)	PUNCT
fsr-3462	464	20	*	*	PUNCT
fsr-3462	465	1	*	*	PUNCT
fsr-3462	466	1	*	*	PUNCT
fsr-3462	466	2	0	0	NUM
fsr-3462	466	3	.5	.5	NUM
fsr-3462	466	4	3	3	NUM
fsr-3462	466	5	3	3	NUM
fsr-3462	466	6	(	(	PUNCT
fsr-3462	466	7	0	0	NUM
fsr-3462	466	8	.0	.0	NUM
fsr-3462	466	9	0	0	NUM
fsr-3462	466	10	1	1	NUM
fsr-3462	466	11	)	)	PUNCT
fsr-3462	466	12	*	*	PUNCT
fsr-3462	467	1	*	*	PUNCT
fsr-3462	468	1	*	*	PUNCT
fsr-3462	468	2	0	0	NUM
fsr-3462	468	3	.4	.4	NUM
fsr-3462	468	4	3	3	NUM
fsr-3462	468	5	9	9	NUM
fsr-3462	468	6	(	(	PUNCT
fsr-3462	468	7	0	0	NUM
fsr-3462	468	8	.1	.1	NUM
fsr-3462	468	9	0	0	NUM
fsr-3462	468	10	)	)	PUNCT
fsr-3462	469	1	*	*	PUNCT
fsr-3462	469	2	0	0	NUM
fsr-3462	470	1	.5	.5	NUM
fsr-3462	470	2	2	2	NUM
fsr-3462	470	3	8	8	NUM
fsr-3462	470	4	(	(	PUNCT
fsr-3462	470	5	0	0	NUM
fsr-3462	470	6	.0	.0	NUM
fsr-3462	470	7	0	0	NUM
fsr-3462	470	8	1	1	NUM
fsr-3462	470	9	)	)	PUNCT
fsr-3462	470	10	*	*	PUNCT
fsr-3462	471	1	*	*	PUNCT
fsr-3462	472	1	*	*	PUNCT
fsr-3462	472	2	0	0	NUM
fsr-3462	472	3	.5	.5	NUM
fsr-3462	472	4	3	3	NUM
fsr-3462	472	5	0	0	NUM
fsr-3462	472	6	(	(	PUNCT
fsr-3462	472	7	0	0	NUM
fsr-3462	472	8	.0	.0	NUM
fsr-3462	472	9	0	0	NUM
fsr-3462	472	10	1	1	NUM
fsr-3462	472	11	)	)	PUNCT
fsr-3462	472	12	*	*	PUNCT
fsr-3462	473	1	*	*	PUNCT
fsr-3462	473	2	*	*	PUNCT
fsr-3462	473	3	n	n	PRON
fsr-3462	473	4	c	c	NOUN
fsr-3462	473	5	c	c	NOUN
fsr-3462	473	6	0	0	PUNCT
fsr-3462	473	7	.1	.1	NUM
fsr-3462	473	8	7	7	NUM
fsr-3462	473	9	1	1	NUM
fsr-3462	473	10	(	(	PUNCT
fsr-3462	473	11	0	0	NUM
fsr-3462	473	12	.0	.0	NUM
fsr-3462	473	13	6	6	NUM
fsr-3462	473	14	)	)	PUNCT
fsr-3462	473	15	*	*	PUNCT
fsr-3462	473	16	0	0	NUM
fsr-3462	474	1	.1	.1	NUM
fsr-3462	474	2	6	6	NUM
fsr-3462	474	3	2	2	NUM
fsr-3462	474	4	(	(	PUNCT
fsr-3462	474	5	0	0	NUM
fsr-3462	474	6	.0	.0	NUM
fsr-3462	474	7	8	8	NUM
fsr-3462	474	8	)	)	PUNCT
fsr-3462	474	9	*	*	PUNCT
fsr-3462	474	10	0	0	PUNCT
fsr-3462	475	1	.1	.1	NUM
fsr-3462	475	2	5	5	NUM
fsr-3462	475	3	5	5	NUM
fsr-3462	475	4	(	(	PUNCT
fsr-3462	475	5	0	0	NUM
fsr-3462	475	6	.0	.0	NUM
fsr-3462	475	7	9	9	NUM
fsr-3462	475	8	)	)	PUNCT
fsr-3462	475	9	*	*	PUNCT
fsr-3462	475	10	0	0	NUM
fsr-3462	476	1	.1	.1	NUM
fsr-3462	476	2	6	6	NUM
fsr-3462	476	3	7	7	NUM
fsr-3462	476	4	(	(	PUNCT
fsr-3462	476	5	0	0	NUM
fsr-3462	476	6	.0	.0	NUM
fsr-3462	476	7	7	7	NUM
fsr-3462	476	8	)	)	PUNCT
fsr-3462	476	9	*	*	PUNCT
fsr-3462	476	10	0	0	NUM
fsr-3462	477	1	.0	.0	NUM
fsr-3462	477	2	8	8	NUM
fsr-3462	477	3	1	1	NUM
fsr-3462	477	4	(	(	PUNCT
fsr-3462	477	5	0	0	NUM
fsr-3462	477	6	.7	.7	NUM
fsr-3462	477	7	5	5	NUM
fsr-3462	477	8	)	)	PUNCT
fsr-3462	477	9	f	f	PROPN
fsr-3462	477	10	in	in	ADP
fsr-3462	477	11	an	an	DET
fsr-3462	477	12	ci	ci	PROPN
fsr-3462	477	13	al	al	PROPN
fsr-3462	477	14	li	li	PROPN
fsr-3462	478	1	te	te	PROPN
fsr-3462	478	2	ra	ra	PROPN
fsr-3462	478	3	cy	cy	INTJ
fsr-3462	478	4	q	q	PROPN
fsr-3462	478	5	u	u	NOUN
fsr-3462	478	6	es	es	X
fsr-3462	478	7	ti	ti	NOUN
fsr-3462	478	8	o	o	NOUN
fsr-3462	478	9	n	n	PROPN
fsr-3462	478	10	s	s	PROPN
fsr-3462	478	11	t	t	NOUN
fsr-3462	478	12	o	o	X
fsr-3462	478	13	ta	ta	ADP
fsr-3462	478	14	l	l	PROPN
fsr-3462	478	15	an	an	PRON
fsr-3462	478	16	sw	sw	PROPN
fsr-3462	478	17	er	er	INTJ
fsr-3462	478	18	s	s	PROPN
fsr-3462	478	19	�	�	PROPN
fsr-3462	478	20	0	0	NUM
fsr-3462	478	21	.4	.4	NUM
fsr-3462	478	22	1	1	NUM
fsr-3462	478	23	0	0	NUM
fsr-3462	479	1	(	(	PUNCT
fsr-3462	479	2	0	0	NUM
fsr-3462	479	3	.0	.0	NUM
fsr-3462	479	4	0	0	NUM
fsr-3462	479	5	1	1	NUM
fsr-3462	479	6	)	)	PUNCT
fsr-3462	479	7	*	*	PUNCT
fsr-3462	480	1	*	*	PUNCT
fsr-3462	480	2	*	*	PUNCT
fsr-3462	480	3	�	�	PROPN
fsr-3462	480	4	0	0	NUM
fsr-3462	480	5	.0	.0	NUM
fsr-3462	480	6	8	8	NUM
fsr-3462	480	7	6	6	NUM
fsr-3462	480	8	(	(	PUNCT
fsr-3462	480	9	0	0	NUM
fsr-3462	480	10	.6	.6	NUM
fsr-3462	480	11	7	7	NUM
fsr-3462	480	12	)	)	PUNCT
fsr-3462	480	13	�	�	PROPN
fsr-3462	480	14	0	0	NUM
fsr-3462	480	15	.1	.1	NUM
fsr-3462	480	16	7	7	NUM
fsr-3462	480	17	4	4	NUM
fsr-3462	480	18	(	(	PUNCT
fsr-3462	480	19	0	0	NUM
fsr-3462	480	20	.1	.1	NUM
fsr-3462	480	21	1	1	NUM
fsr-3462	480	22	)	)	PUNCT
fsr-3462	480	23	�	�	PROPN
fsr-3462	480	24	0	0	NUM
fsr-3462	480	25	.0	.0	NUM
fsr-3462	480	26	4	4	NUM
fsr-3462	480	27	2	2	NUM
fsr-3462	480	28	(	(	PUNCT
fsr-3462	480	29	0	0	NUM
fsr-3462	480	30	.7	.7	NUM
fsr-3462	480	31	5	5	NUM
fsr-3462	480	32	)	)	PUNCT
fsr-3462	480	33	�	�	PROPN
fsr-3462	480	34	0	0	NUM
fsr-3462	480	35	.1	.1	NUM
fsr-3462	480	36	9	9	NUM
fsr-3462	480	37	1	1	NUM
fsr-3462	480	38	(	(	PUNCT
fsr-3462	480	39	0	0	NUM
fsr-3462	480	40	.2	.2	NUM
fsr-3462	480	41	1	1	NUM
fsr-3462	480	42	)	)	PUNCT
fsr-3462	480	43	in	in	ADP
fsr-3462	480	44	te	te	ADP
fsr-3462	480	45	ra	ra	PROPN
fsr-3462	480	46	ct	ct	PROPN
fsr-3462	480	47	io	io	PROPN
fsr-3462	480	48	n	n	PROPN
fsr-3462	480	49	ef	ef	X
fsr-3462	480	50	fe	fe	X
fsr-3462	480	51	ct	ct	PROPN
fsr-3462	480	52	s	s	PROPN
fsr-3462	480	53	o	o	X
fsr-3462	480	54	f	f	PROPN
fsr-3462	480	55	fi	fi	NOUN
fsr-3462	480	56	n	n	CCONJ
fsr-3462	480	57	an	an	DET
fsr-3462	480	58	ci	ci	PROPN
fsr-3462	480	59	al	al	PROPN
fsr-3462	480	60	li	li	PROPN
fsr-3462	481	1	te	te	PROPN
fsr-3462	481	2	ra	ra	PROPN
fsr-3462	482	1	cy	cy	INTJ
fsr-3462	482	2	w	w	PROPN
fsr-3462	483	1	it	it	PRON
fsr-3462	484	1	h	h	NOUN
fsr-3462	485	1	p	p	X
fsr-3462	485	2	ar	ar	PROPN
fsr-3462	485	3	en	en	X
fsr-3462	485	4	ts	ts	ADP
fsr-3462	485	5	fi	fi	PROPN
fsr-3462	485	6	n	n	CCONJ
fsr-3462	486	1	an	an	DET
fsr-3462	486	2	ci	ci	NOUN
fsr-3462	486	3	al	al	PROPN
fsr-3462	486	4	ed	ed	PROPN
fsr-3462	486	5	u	u	PROPN
fsr-3462	486	6	ca	can	AUX
fsr-3462	486	7	ti	ti	NOUN
fsr-3462	486	8	o	o	NOUN
fsr-3462	486	9	n	n	ADV
fsr-3462	486	10	0	0	NUM
fsr-3462	486	11	.4	.4	NUM
fsr-3462	486	12	2	2	NUM
fsr-3462	486	13	8	8	NUM
fsr-3462	486	14	(	(	PUNCT
fsr-3462	486	15	0	0	NUM
fsr-3462	486	16	.0	.0	NUM
fsr-3462	486	17	2	2	NUM
fsr-3462	486	18	)	)	PUNCT
fsr-3462	486	19	*	*	PUNCT
fsr-3462	487	1	*	*	PUNCT
fsr-3462	487	2	a	a	DET
fsr-3462	487	3	n	n	NOUN
fsr-3462	487	4	x	x	X
fsr-3462	487	5	ie	ie	X
fsr-3462	487	6	ty	ty	NUM
fsr-3462	487	7	�	�	PROPN
fsr-3462	487	8	0	0	NUM
fsr-3462	487	9	.0	.0	NUM
fsr-3462	487	10	3	3	NUM
fsr-3462	487	11	2	2	NUM
fsr-3462	487	12	(	(	PUNCT
fsr-3462	487	13	0	0	NUM
fsr-3462	487	14	.7	.7	NUM
fsr-3462	487	15	2	2	NUM
fsr-3462	487	16	)	)	PUNCT
fsr-3462	487	17	o	o	NOUN
fsr-3462	487	18	v	v	ADP
fsr-3462	487	19	er	er	INTJ
fsr-3462	487	20	sp	sp	ADP
fsr-3462	487	21	en	en	X
fsr-3462	487	22	d	d	PROPN
fsr-3462	487	23	in	in	ADP
fsr-3462	487	24	g	g	PROPN
fsr-3462	487	25	0	0	NUM
fsr-3462	487	26	.0	.0	NUM
fsr-3462	487	27	3	3	NUM
fsr-3462	487	28	5	5	NUM
fsr-3462	487	29	(	(	PUNCT
fsr-3462	487	30	0	0	NUM
fsr-3462	487	31	.6	.6	NUM
fsr-3462	487	32	9	9	NUM
fsr-3462	487	33	)	)	PUNCT
fsr-3462	487	34	s	s	VERB
fsr-3462	487	35	u	u	NOUN
fsr-3462	487	36	rp	rp	PROPN
fsr-3462	487	37	ri	ri	PROPN
fsr-3462	487	38	se	se	PROPN
fsr-3462	487	39	d	d	PROPN
fsr-3462	487	40	�	�	PROPN
fsr-3462	487	41	0	0	NUM
fsr-3462	487	42	.0	.0	NUM
fsr-3462	487	43	9	9	NUM
fsr-3462	487	44	7	7	NUM
fsr-3462	487	45	(	(	PUNCT
fsr-3462	487	46	0	0	NUM
fsr-3462	487	47	.2	.2	NUM
fsr-3462	487	48	6	6	NUM
fsr-3462	487	49	)	)	PUNCT
fsr-3462	488	1	n	n	PRON
fsr-3462	488	2	c	c	NOUN
fsr-3462	488	3	c	c	NOUN
fsr-3462	488	4	0	0	SYM
fsr-3462	489	1	.0	.0	NUM
fsr-3462	489	2	2	2	NUM
fsr-3462	489	3	6	6	NUM
fsr-3462	489	4	(	(	PUNCT
fsr-3462	489	5	0	0	NUM
fsr-3462	489	6	.7	.7	NUM
fsr-3462	489	7	3	3	NUM
fsr-3462	489	8	)	)	PUNCT
fsr-3462	490	1	o	o	NOUN
fsr-3462	490	2	b	b	PROPN
fsr-3462	490	3	s	s	NOUN
fsr-3462	490	4	1	1	NUM
fsr-3462	490	5	5	5	NUM
fsr-3462	490	6	8	8	NUM
fsr-3462	490	7	1	1	NUM
fsr-3462	490	8	5	5	NUM
fsr-3462	490	9	8	8	NUM
fsr-3462	490	10	1	1	NUM
fsr-3462	490	11	5	5	NUM
fsr-3462	490	12	8	8	NUM
fsr-3462	490	13	1	1	NUM
fsr-3462	490	14	5	5	NUM
fsr-3462	490	15	8	8	NUM
fsr-3462	490	16	1	1	NUM
fsr-3462	490	17	5	5	NUM
fsr-3462	490	18	8	8	NUM
fsr-3462	490	19	p	p	NOUN
fsr-3462	490	20	se	se	X
fsr-3462	490	21	u	u	PROPN
fsr-3462	491	1	d	d	X
fsr-3462	491	2	o	o	NOUN
fsr-3462	491	3	r	r	NOUN
fsr-3462	491	4	2	2	NUM
fsr-3462	491	5	0	0	NUM
fsr-3462	491	6	.2	.2	NUM
fsr-3462	491	7	2	2	NUM
fsr-3462	491	8	7	7	NUM
fsr-3462	491	9	0	0	NUM
fsr-3462	491	10	.2	.2	NUM
fsr-3462	491	11	0	0	NUM
fsr-3462	491	12	9	9	NUM
fsr-3462	491	13	0	0	NUM
fsr-3462	492	1	.2	.2	NUM
fsr-3462	492	2	0	0	NUM
fsr-3462	492	3	9	9	NUM
fsr-3462	492	4	0	0	NUM
fsr-3462	493	1	.2	.2	NUM
fsr-3462	493	2	1	1	NUM
fsr-3462	493	3	3	3	NUM
fsr-3462	493	4	0	0	NUM
fsr-3462	494	1	.2	.2	NUM
fsr-3462	494	2	0	0	NUM
fsr-3462	494	3	9	9	NUM
fsr-3462	494	4	l	l	NOUN
fsr-3462	494	5	r	r	NOUN
fsr-3462	494	6	st	st	PROPN
fsr-3462	494	7	at	at	ADP
fsr-3462	494	8	is	be	AUX
fsr-3462	494	9	ti	ti	X
fsr-3462	494	10	c	c	NOUN
fsr-3462	494	11	7	7	NUM
fsr-3462	494	12	0	0	NUM
fsr-3462	494	13	.6	.6	NUM
fsr-3462	494	14	9	9	NUM
fsr-3462	494	15	2	2	NUM
fsr-3462	494	16	6	6	NUM
fsr-3462	494	17	5	5	NUM
fsr-3462	494	18	.1	.1	NUM
fsr-3462	494	19	9	9	NUM
fsr-3462	494	20	2	2	NUM
fsr-3462	494	21	6	6	NUM
fsr-3462	494	22	5	5	NUM
fsr-3462	494	23	.2	.2	NUM
fsr-3462	494	24	2	2	NUM
fsr-3462	494	25	3	3	NUM
fsr-3462	494	26	6	6	NUM
fsr-3462	494	27	6	6	NUM
fsr-3462	494	28	.3	.3	NUM
fsr-3462	494	29	4	4	NUM
fsr-3462	494	30	6	6	NUM
fsr-3462	494	31	6	6	NUM
fsr-3462	494	32	5	5	NUM
fsr-3462	494	33	.1	.1	NUM
fsr-3462	494	34	7	7	NUM
fsr-3462	494	35	5	5	NUM
fsr-3462	494	36	p	p	PROPN
fsr-3462	494	37	ro	ro	PROPN
fsr-3462	494	38	b	b	PROPN
fsr-3462	494	39	ab	ab	PROPN
fsr-3462	494	40	il	il	PROPN
fsr-3462	494	41	it	it	PRON
fsr-3462	494	42	y	y	PROPN
fsr-3462	494	43	(	(	PUNCT
fsr-3462	494	44	l	l	NOUN
fsr-3462	494	45	r	r	NOUN
fsr-3462	494	46	st	st	PROPN
fsr-3462	494	47	at	at	ADP
fsr-3462	494	48	)	)	PUNCT
fsr-3462	494	49	(	(	PUNCT
fsr-3462	494	50	0	0	NUM
fsr-3462	495	1	.0	.0	NUM
fsr-3462	495	2	0	0	NUM
fsr-3462	495	3	1	1	NUM
fsr-3462	495	4	)	)	PUNCT
fsr-3462	495	5	*	*	PUNCT
fsr-3462	496	1	*	*	PUNCT
fsr-3462	496	2	*	*	PUNCT
fsr-3462	496	3	(	(	PUNCT
fsr-3462	496	4	0	0	NUM
fsr-3462	496	5	.0	.0	NUM
fsr-3462	496	6	0	0	NUM
fsr-3462	496	7	1	1	NUM
fsr-3462	496	8	)	)	PUNCT
fsr-3462	496	9	*	*	PUNCT
fsr-3462	497	1	*	*	PUNCT
fsr-3462	497	2	*	*	PUNCT
fsr-3462	497	3	(	(	PUNCT
fsr-3462	497	4	0	0	NUM
fsr-3462	497	5	.0	.0	NUM
fsr-3462	497	6	0	0	NUM
fsr-3462	497	7	1	1	NUM
fsr-3462	497	8	)	)	PUNCT
fsr-3462	497	9	*	*	PUNCT
fsr-3462	498	1	*	*	PUNCT
fsr-3462	498	2	*	*	PUNCT
fsr-3462	498	3	(	(	PUNCT
fsr-3462	498	4	0	0	NUM
fsr-3462	498	5	.0	.0	NUM
fsr-3462	498	6	0	0	NUM
fsr-3462	498	7	1	1	NUM
fsr-3462	498	8	)	)	PUNCT
fsr-3462	498	9	*	*	PUNCT
fsr-3462	499	1	*	*	PUNCT
fsr-3462	499	2	*	*	PUNCT
fsr-3462	499	3	(	(	PUNCT
fsr-3462	499	4	0	0	NUM
fsr-3462	499	5	.0	.0	NUM
fsr-3462	499	6	0	0	NUM
fsr-3462	499	7	1	1	NUM
fsr-3462	499	8	)	)	PUNCT
fsr-3462	499	9	*	*	PUNCT
fsr-3462	500	1	*	*	PUNCT
fsr-3462	500	2	*	*	PUNCT
fsr-3462	500	3	a	a	DET
fsr-3462	500	4	k	k	X
fsr-3462	500	5	ai	ai	VERB
fsr-3462	500	6	k	k	PROPN
fsr-3462	500	7	e	e	NOUN
fsr-3462	500	8	in	in	ADP
fsr-3462	500	9	fo	fo	ADP
fsr-3462	500	10	cr	cr	INTJ
fsr-3462	501	1	it	it	PRON
fsr-3462	501	2	er	er	INTJ
fsr-3462	501	3	io	io	X
fsr-3462	501	4	n	n	PROPN
fsr-3462	501	5	1	1	NUM
fsr-3462	501	6	.6	.6	NUM
fsr-3462	501	7	5	5	NUM
fsr-3462	501	8	1	1	NUM
fsr-3462	501	9	1	1	NUM
fsr-3462	501	10	.6	.6	NUM
fsr-3462	501	11	8	8	NUM
fsr-3462	501	12	5	5	NUM
fsr-3462	501	13	1	1	NUM
fsr-3462	501	14	.6	.6	NUM
fsr-3462	501	15	8	8	NUM
fsr-3462	501	16	5	5	NUM
fsr-3462	501	17	1	1	NUM
fsr-3462	501	18	.6	.6	NUM
fsr-3462	501	19	7	7	NUM
fsr-3462	501	20	8	8	NUM
fsr-3462	501	21	1	1	NUM
fsr-3462	501	22	.6	.6	NUM
fsr-3462	501	23	8	8	NUM
fsr-3462	501	24	6	6	NUM
fsr-3462	501	25	s	s	NOUN
fsr-3462	501	26	ch	ch	PROPN
fsr-3462	501	27	w	w	PROPN
fsr-3462	501	28	ar	ar	PROPN
fsr-3462	501	29	z	z	PROPN
fsr-3462	501	30	cr	cr	PROPN
fsr-3462	502	1	it	it	PRON
fsr-3462	502	2	er	er	INTJ
fsr-3462	502	3	io	io	X
fsr-3462	502	4	n	n	PROPN
fsr-3462	502	5	1	1	NUM
fsr-3462	502	6	.8	.8	NUM
fsr-3462	502	7	4	4	NUM
fsr-3462	502	8	4	4	NUM
fsr-3462	502	9	1	1	NUM
fsr-3462	502	10	.8	.8	NUM
fsr-3462	502	11	7	7	NUM
fsr-3462	502	12	9	9	NUM
fsr-3462	502	13	1	1	NUM
fsr-3462	502	14	.8	.8	NUM
fsr-3462	502	15	7	7	NUM
fsr-3462	502	16	9	9	NUM
fsr-3462	502	17	1	1	NUM
fsr-3462	502	18	.8	.8	NUM
fsr-3462	502	19	7	7	NUM
fsr-3462	502	20	2	2	NUM
fsr-3462	502	21	1	1	NUM
fsr-3462	502	22	.8	.8	NUM
fsr-3462	502	23	7	7	NUM
fsr-3462	502	24	9	9	NUM
fsr-3462	502	25	h	h	NOUN
fsr-3462	502	26	an	an	PRON
fsr-3462	502	27	n	n	CCONJ
fsr-3462	502	28	an	an	DET
fsr-3462	502	29	-q	-q	X
fsr-3462	502	30	u	u	NOUN
fsr-3462	502	31	in	in	ADP
fsr-3462	502	32	n	n	DET
fsr-3462	502	33	cr	cr	NOUN
fsr-3462	503	1	it	it	PRON
fsr-3462	503	2	er	er	INTJ
fsr-3462	503	3	io	io	X
fsr-3462	503	4	n	n	PROPN
fsr-3462	504	1	1	1	NUM
fsr-3462	504	2	.7	.7	NUM
fsr-3462	504	3	2	2	NUM
fsr-3462	504	4	9	9	NUM
fsr-3462	504	5	1	1	NUM
fsr-3462	504	6	.7	.7	NUM
fsr-3462	504	7	6	6	NUM
fsr-3462	504	8	4	4	NUM
fsr-3462	504	9	1	1	NUM
fsr-3462	504	10	.7	.7	NUM
fsr-3462	504	11	6	6	NUM
fsr-3462	504	12	4	4	NUM
fsr-3462	504	13	1	1	NUM
fsr-3462	504	14	.7	.7	NUM
fsr-3462	504	15	5	5	NUM
fsr-3462	504	16	7	7	NUM
fsr-3462	504	17	1	1	NUM
fsr-3462	504	18	.7	.7	NUM
fsr-3462	504	19	6	6	NUM
fsr-3462	504	20	4	4	NUM
fsr-3462	504	21	n	n	NUM
fsr-3462	504	22	o	o	NOUN
fsr-3462	504	23	te	te	X
fsr-3462	504	24	:	:	PUNCT
fsr-3462	504	25	*	*	PUNCT
fsr-3462	505	1	*	*	PUNCT
fsr-3462	505	2	*	*	PUNCT
fsr-3462	505	3	,	,	PUNCT
fsr-3462	505	4	*	*	PUNCT
fsr-3462	505	5	*	*	PUNCT
fsr-3462	505	6	,	,	PUNCT
fsr-3462	505	7	*	*	PUNCT
fsr-3462	505	8	st	st	PROPN
fsr-3462	506	1	at	at	ADP
fsr-3462	506	2	is	be	AUX
fsr-3462	506	3	ti	ti	NOUN
fsr-3462	506	4	ca	can	AUX
fsr-3462	506	5	ll	ll	VERB
fsr-3462	506	6	y	y	PROPN
fsr-3462	506	7	si	si	PROPN
fsr-3462	506	8	g	g	PROPN
fsr-3462	506	9	n	n	PROPN
fsr-3462	506	10	ifi	ifi	PROPN
fsr-3462	506	11	ca	ca	PROPN
fsr-3462	506	12	n	n	ADV
fsr-3462	506	13	t	t	PROPN
fsr-3462	506	14	at	at	ADP
fsr-3462	506	15	th	th	X
fsr-3462	506	16	e	e	ADP
fsr-3462	506	17	1	1	NUM
fsr-3462	506	18	%	%	NOUN
fsr-3462	506	19	,	,	PUNCT
fsr-3462	506	20	5	5	NUM
fsr-3462	506	21	%	%	NOUN
fsr-3462	506	22	an	an	DET
fsr-3462	506	23	d	d	NOUN
fsr-3462	506	24	1	1	NUM
fsr-3462	506	25	0	0	NUM
fsr-3462	506	26	%	%	NOUN
fsr-3462	506	27	le	le	X
fsr-3462	506	28	v	v	PROPN
fsr-3462	506	29	el	el	PROPN
fsr-3462	506	30	,	,	PUNCT
fsr-3462	506	31	re	re	VERB
fsr-3462	506	32	sp	sp	ADP
fsr-3462	506	33	ec	ec	PROPN
fsr-3462	506	34	ti	ti	PROPN
fsr-3462	506	35	v	v	PROPN
fsr-3462	506	36	el	el	PROPN
fsr-3462	506	37	y	y	PROPN
fsr-3462	506	38	.	.	PUNCT
fsr-3462	507	1	266	266	NUM
fsr-3462	507	2	g.	g.	PROPN
fsr-3462	507	3	barboza	barboza	PROPN
fsr-3462	507	4	et	et	PROPN
fsr-3462	507	5	al	al	PROPN
fsr-3462	507	6	.	.	PUNCT
fsr-3462	507	7	/	/	SYM
fsr-3462	507	8	financial	financial	ADJ
fsr-3462	507	9	services	service	NOUN
fsr-3462	507	10	review	review	VERB
fsr-3462	507	11	29	29	NUM
fsr-3462	507	12	(	(	PUNCT
fsr-3462	507	13	2021	2021	NUM
fsr-3462	507	14	)	)	PUNCT
fsr-3462	507	15	247–276	247–276	NUM
fsr-3462	507	16	t	t	PROPN
fsr-3462	507	17	ab	ab	X
fsr-3462	507	18	le	le	PROPN
fsr-3462	507	19	6	6	NUM
fsr-3462	507	20	a	a	DET
fsr-3462	507	21	c	c	NOUN
fsr-3462	507	22	o	o	NOUN
fsr-3462	507	23	n	n	CCONJ
fsr-3462	507	24	su	su	PROPN
fsr-3462	507	25	m	m	PROPN
fsr-3462	507	26	er	er	INTJ
fsr-3462	507	27	b	b	X
fsr-3462	507	28	eh	eh	INTJ
fsr-3462	507	29	av	av	PROPN
fsr-3462	507	30	io	io	NOUN
fsr-3462	507	31	r	r	PROPN
fsr-3462	507	32	w	w	PROPN
fsr-3462	508	1	it	it	PRON
fsr-3462	509	1	h	h	NOUN
fsr-3462	509	2	cr	cr	INTJ
fsr-3462	510	1	ed	ed	NOUN
fsr-3462	511	1	it	it	PRON
fsr-3462	511	2	ca	can	AUX
fsr-3462	511	3	rd	rd	VERB
fsr-3462	511	4	re	re	PROPN
fsr-3462	511	5	p	p	PROPN
fsr-3462	511	6	ay	ay	PROPN
fsr-3462	511	7	m	m	PROPN
fsr-3462	511	8	en	en	ADP
fsr-3462	511	9	t	t	X
fsr-3462	511	10	fr	fr	NOUN
fsr-3462	511	11	eq	eq	ADP
fsr-3462	511	12	u	u	PROPN
fsr-3462	511	13	en	en	PROPN
fsr-3462	511	14	cy	cy	PROPN
fsr-3462	511	15	as	as	ADP
fsr-3462	511	16	d	d	PROPN
fsr-3462	511	17	ep	ep	PROPN
fsr-3462	512	1	en	en	PROPN
fsr-3462	512	2	d	d	PROPN
fsr-3462	512	3	en	en	PROPN
fsr-3462	512	4	t	t	PROPN
fsr-3462	512	5	v	v	PROPN
fsr-3462	512	6	ar	ar	PROPN
fsr-3462	512	7	ia	ia	PROPN
fsr-3462	512	8	b	b	PROPN
fsr-3462	512	9	le	le	X
fsr-3462	512	10	(	(	PUNCT
fsr-3462	512	11	i	i	PRON
fsr-3462	512	12	n	n	VERB
fsr-3462	512	13	co	co	VERB
fsr-3462	512	14	rr	rr	PROPN
fsr-3462	512	15	ec	ec	PROPN
fsr-3462	512	16	t	t	PROPN
fsr-3462	512	17	an	an	DET
fsr-3462	512	18	sw	sw	PROPN
fsr-3462	512	19	er	er	INTJ
fsr-3462	512	20	s	s	PROPN
fsr-3462	512	21	)	)	PUNCT
fsr-3462	512	22	f	f	PROPN
fsr-3462	512	23	in	in	ADP
fsr-3462	512	24	an	an	DET
fsr-3462	512	25	ci	ci	PROPN
fsr-3462	512	26	al	al	PROPN
fsr-3462	512	27	il	il	PROPN
fsr-3462	512	28	li	li	PROPN
fsr-3462	512	29	te	te	PROPN
fsr-3462	512	30	ra	ra	PROPN
fsr-3462	512	31	cy	cy	PROPN
fsr-3462	512	32	l	l	PROPN
fsr-3462	513	1	ev	ev	PROPN
fsr-3462	513	2	el	el	PROPN
fsr-3462	513	3	a	a	PROPN
fsr-3462	513	4	in	in	ADP
fsr-3462	513	5	co	co	PROPN
fsr-3462	513	6	rr	rr	PROPN
fsr-3462	513	7	ec	ec	PROPN
fsr-3462	513	8	t	t	PROPN
fsr-3462	513	9	an	an	DET
fsr-3462	513	10	sw	sw	PROPN
fsr-3462	514	1	er	er	INTJ
fsr-3462	514	2	s	s	VERB
fsr-3462	514	3	m	m	NOUN
fsr-3462	514	4	o	o	X
fsr-3462	515	1	d	d	X
fsr-3462	515	2	el	el	PROPN
fsr-3462	515	3	s	s	PROPN
fsr-3462	515	4	w	w	NOUN
fsr-3462	515	5	it	it	PRON
fsr-3462	515	6	h	h	NOUN
fsr-3462	515	7	in	in	ADP
fsr-3462	515	8	te	te	ADP
fsr-3462	515	9	ra	ra	PROPN
fsr-3462	515	10	ct	ct	PROPN
fsr-3462	515	11	io	io	PROPN
fsr-3462	515	12	n	n	PROPN
fsr-3462	515	13	ef	ef	X
fsr-3462	515	14	fe	fe	X
fsr-3462	515	15	ct	ct	PROPN
fsr-3462	515	16	s	s	PROPN
fsr-3462	515	17	1	1	NUM
fsr-3462	515	18	2	2	NUM
fsr-3462	515	19	3	3	NUM
fsr-3462	515	20	4	4	NUM
fsr-3462	515	21	5	5	NUM
fsr-3462	515	22	f	f	NOUN
fsr-3462	515	23	in	in	ADP
fsr-3462	515	24	an	an	DET
fsr-3462	515	25	ci	ci	NOUN
fsr-3462	515	26	al	al	PROPN
fsr-3462	515	27	ed	ed	PROPN
fsr-3462	515	28	u	u	PROPN
fsr-3462	515	29	c	c	PROPN
fsr-3462	515	30	p	p	PROPN
fsr-3462	515	31	ar	ar	PROPN
fsr-3462	515	32	en	en	X
fsr-3462	515	33	ts	ts	ADP
fsr-3462	515	34	�	�	PROPN
fsr-3462	515	35	0	0	NUM
fsr-3462	515	36	.2	.2	NUM
fsr-3462	515	37	8	8	NUM
fsr-3462	515	38	3	3	NUM
fsr-3462	515	39	(	(	PUNCT
fsr-3462	515	40	0	0	NUM
fsr-3462	515	41	.4	.4	NUM
fsr-3462	515	42	5	5	NUM
fsr-3462	515	43	)	)	PUNCT
fsr-3462	515	44	�	�	PROPN
fsr-3462	515	45	0	0	NUM
fsr-3462	516	1	.9	.9	NUM
fsr-3462	516	2	4	4	NUM
fsr-3462	516	3	0	0	NUM
fsr-3462	517	1	(	(	PUNCT
fsr-3462	517	2	0	0	NUM
fsr-3462	517	3	.0	.0	NUM
fsr-3462	517	4	0	0	NUM
fsr-3462	517	5	1	1	NUM
fsr-3462	517	6	)	)	PUNCT
fsr-3462	517	7	*	*	PUNCT
fsr-3462	518	1	*	*	PUNCT
fsr-3462	518	2	*	*	PUNCT
fsr-3462	518	3	�	�	PROPN
fsr-3462	518	4	0	0	NUM
fsr-3462	518	5	.9	.9	NUM
fsr-3462	518	6	2	2	NUM
fsr-3462	518	7	2	2	NUM
fsr-3462	518	8	(	(	PUNCT
fsr-3462	518	9	0	0	NUM
fsr-3462	518	10	.0	.0	NUM
fsr-3462	518	11	0	0	NUM
fsr-3462	518	12	1	1	NUM
fsr-3462	518	13	)	)	PUNCT
fsr-3462	518	14	*	*	PUNCT
fsr-3462	519	1	*	*	PUNCT
fsr-3462	519	2	*	*	PUNCT
fsr-3462	519	3	�	�	PROPN
fsr-3462	519	4	0	0	NUM
fsr-3462	519	5	.9	.9	NUM
fsr-3462	519	6	4	4	NUM
fsr-3462	519	7	2	2	NUM
fsr-3462	519	8	(	(	PUNCT
fsr-3462	519	9	0	0	NUM
fsr-3462	519	10	.0	.0	NUM
fsr-3462	519	11	0	0	NUM
fsr-3462	519	12	1	1	NUM
fsr-3462	519	13	)	)	PUNCT
fsr-3462	519	14	*	*	PUNCT
fsr-3462	520	1	*	*	PUNCT
fsr-3462	520	2	*	*	PUNCT
fsr-3462	520	3	�	�	PROPN
fsr-3462	520	4	0	0	NUM
fsr-3462	520	5	.9	.9	NUM
fsr-3462	520	6	1	1	NUM
fsr-3462	520	7	9	9	NUM
fsr-3462	520	8	(	(	PUNCT
fsr-3462	520	9	0	0	NUM
fsr-3462	520	10	.0	.0	NUM
fsr-3462	520	11	0	0	NUM
fsr-3462	520	12	1	1	NUM
fsr-3462	520	13	)	)	PUNCT
fsr-3462	520	14	*	*	PUNCT
fsr-3462	521	1	*	*	PUNCT
fsr-3462	521	2	*	*	PUNCT
fsr-3462	521	3	a	a	DET
fsr-3462	521	4	n	n	NOUN
fsr-3462	521	5	x	x	X
fsr-3462	521	6	ie	ie	ADV
fsr-3462	521	7	ty	ty	INTJ
fsr-3462	521	8	0	0	NUM
fsr-3462	521	9	.1	.1	NUM
fsr-3462	521	10	3	3	NUM
fsr-3462	521	11	2	2	NUM
fsr-3462	521	12	(	(	PUNCT
fsr-3462	521	13	0	0	NUM
fsr-3462	521	14	.2	.2	NUM
fsr-3462	521	15	0	0	NUM
fsr-3462	521	16	)	)	PUNCT
fsr-3462	521	17	0	0	NUM
fsr-3462	522	1	.2	.2	NUM
fsr-3462	522	2	2	2	NUM
fsr-3462	522	3	2	2	NUM
fsr-3462	522	4	(	(	PUNCT
fsr-3462	522	5	0	0	NUM
fsr-3462	522	6	.1	.1	NUM
fsr-3462	522	7	3	3	NUM
fsr-3462	522	8	)	)	PUNCT
fsr-3462	522	9	0	0	NUM
fsr-3462	522	10	.1	.1	NUM
fsr-3462	522	11	4	4	NUM
fsr-3462	522	12	9	9	NUM
fsr-3462	522	13	(	(	PUNCT
fsr-3462	522	14	0	0	NUM
fsr-3462	522	15	.1	.1	NUM
fsr-3462	522	16	5	5	NUM
fsr-3462	522	17	)	)	PUNCT
fsr-3462	522	18	0	0	NUM
fsr-3462	522	19	.1	.1	NUM
fsr-3462	522	20	6	6	NUM
fsr-3462	522	21	3	3	NUM
fsr-3462	522	22	(	(	PUNCT
fsr-3462	522	23	0	0	NUM
fsr-3462	522	24	.1	.1	NUM
fsr-3462	522	25	1	1	NUM
fsr-3462	522	26	)	)	PUNCT
fsr-3462	522	27	0	0	NUM
fsr-3462	523	1	.1	.1	NUM
fsr-3462	523	2	6	6	NUM
fsr-3462	523	3	0	0	NUM
fsr-3462	523	4	(	(	PUNCT
fsr-3462	523	5	0	0	NUM
fsr-3462	523	6	.1	.1	NUM
fsr-3462	523	7	3	3	X
fsr-3462	523	8	)	)	PUNCT
fsr-3462	523	9	s	s	VERB
fsr-3462	523	10	u	u	NOUN
fsr-3462	523	11	rp	rp	NOUN
fsr-3462	523	12	ri	ri	PROPN
fsr-3462	523	13	se	se	PROPN
fsr-3462	524	1	d	d	X
fsr-3462	524	2	0	0	PROPN
fsr-3462	524	3	.1	.1	NUM
fsr-3462	524	4	4	4	NUM
fsr-3462	524	5	2	2	NUM
fsr-3462	524	6	(	(	PUNCT
fsr-3462	524	7	0	0	NUM
fsr-3462	524	8	.2	.2	NUM
fsr-3462	524	9	5	5	NUM
fsr-3462	524	10	)	)	PUNCT
fsr-3462	524	11	0	0	NUM
fsr-3462	525	1	.1	.1	NUM
fsr-3462	525	2	4	4	NUM
fsr-3462	525	3	9	9	NUM
fsr-3462	525	4	(	(	PUNCT
fsr-3462	525	5	0	0	NUM
fsr-3462	525	6	.2	.2	NUM
fsr-3462	525	7	3	3	NUM
fsr-3462	525	8	)	)	PUNCT
fsr-3462	525	9	0	0	NUM
fsr-3462	526	1	.1	.1	NUM
fsr-3462	526	2	4	4	NUM
fsr-3462	526	3	4	4	NUM
fsr-3462	526	4	(	(	PUNCT
fsr-3462	526	5	0	0	NUM
fsr-3462	526	6	.2	.2	NUM
fsr-3462	526	7	4	4	X
fsr-3462	526	8	)	)	PUNCT
fsr-3462	526	9	�	�	PROPN
fsr-3462	526	10	0	0	NUM
fsr-3462	526	11	.0	.0	NUM
fsr-3462	526	12	5	5	NUM
fsr-3462	526	13	1	1	NUM
fsr-3462	526	14	(	(	PUNCT
fsr-3462	526	15	0	0	NUM
fsr-3462	526	16	.7	.7	PROPN
fsr-3462	526	17	9	9	NUM
fsr-3462	526	18	)	)	PUNCT
fsr-3462	526	19	0	0	NUM
fsr-3462	526	20	.1	.1	NUM
fsr-3462	526	21	4	4	NUM
fsr-3462	526	22	6	6	NUM
fsr-3462	526	23	(	(	PUNCT
fsr-3462	526	24	0	0	NUM
fsr-3462	526	25	.2	.2	NUM
fsr-3462	526	26	3	3	X
fsr-3462	526	27	)	)	PUNCT
fsr-3462	527	1	o	o	NOUN
fsr-3462	527	2	v	v	INTJ
fsr-3462	527	3	er	er	INTJ
fsr-3462	527	4	s	s	X
fsr-3462	527	5	p	p	X
fsr-3462	527	6	en	en	PROPN
fsr-3462	527	7	d	d	PROPN
fsr-3462	527	8	in	in	ADP
fsr-3462	527	9	g	g	PROPN
fsr-3462	527	10	0	0	NUM
fsr-3462	527	11	.5	.5	NUM
fsr-3462	527	12	3	3	NUM
fsr-3462	527	13	7	7	NUM
fsr-3462	527	14	(	(	PUNCT
fsr-3462	527	15	0	0	NUM
fsr-3462	527	16	.0	.0	NUM
fsr-3462	527	17	0	0	NUM
fsr-3462	527	18	1	1	NUM
fsr-3462	527	19	)	)	PUNCT
fsr-3462	527	20	*	*	PUNCT
fsr-3462	528	1	*	*	PUNCT
fsr-3462	529	1	*	*	PUNCT
fsr-3462	529	2	0	0	NUM
fsr-3462	530	1	.5	.5	NUM
fsr-3462	530	2	0	0	NUM
fsr-3462	530	3	6	6	NUM
fsr-3462	530	4	(	(	PUNCT
fsr-3462	530	5	0	0	NUM
fsr-3462	530	6	.0	.0	NUM
fsr-3462	530	7	0	0	NUM
fsr-3462	530	8	1	1	NUM
fsr-3462	530	9	)	)	PUNCT
fsr-3462	530	10	*	*	PUNCT
fsr-3462	531	1	*	*	PUNCT
fsr-3462	532	1	*	*	PUNCT
fsr-3462	532	2	0	0	NUM
fsr-3462	532	3	.6	.6	NUM
fsr-3462	532	4	1	1	NUM
fsr-3462	532	5	2	2	NUM
fsr-3462	532	6	(	(	PUNCT
fsr-3462	532	7	0	0	NUM
fsr-3462	532	8	.0	.0	NUM
fsr-3462	532	9	0	0	NUM
fsr-3462	532	10	1	1	NUM
fsr-3462	532	11	)	)	PUNCT
fsr-3462	532	12	*	*	PUNCT
fsr-3462	533	1	*	*	PUNCT
fsr-3462	534	1	*	*	PUNCT
fsr-3462	534	2	0	0	PUNCT
fsr-3462	535	1	.4	.4	NUM
fsr-3462	535	2	9	9	NUM
fsr-3462	535	3	8	8	NUM
fsr-3462	535	4	(	(	PUNCT
fsr-3462	535	5	0	0	NUM
fsr-3462	535	6	.0	.0	NUM
fsr-3462	535	7	0	0	NUM
fsr-3462	535	8	1	1	NUM
fsr-3462	535	9	)	)	PUNCT
fsr-3462	535	10	*	*	PUNCT
fsr-3462	536	1	*	*	PUNCT
fsr-3462	537	1	*	*	PUNCT
fsr-3462	537	2	0	0	NUM
fsr-3462	537	3	.4	.4	NUM
fsr-3462	537	4	8	8	NUM
fsr-3462	537	5	8	8	NUM
fsr-3462	537	6	(	(	PUNCT
fsr-3462	537	7	0	0	NUM
fsr-3462	537	8	.0	.0	NUM
fsr-3462	537	9	0	0	NUM
fsr-3462	537	10	1	1	NUM
fsr-3462	537	11	)	)	PUNCT
fsr-3462	537	12	*	*	PUNCT
fsr-3462	538	1	*	*	PUNCT
fsr-3462	538	2	*	*	PUNCT
fsr-3462	538	3	n	n	PRON
fsr-3462	538	4	c	c	NOUN
fsr-3462	538	5	c	c	NOUN
fsr-3462	538	6	0	0	NUM
fsr-3462	538	7	.1	.1	NUM
fsr-3462	538	8	8	8	NUM
fsr-3462	538	9	5	5	NUM
fsr-3462	538	10	(	(	PUNCT
fsr-3462	538	11	0	0	NUM
fsr-3462	538	12	.0	.0	NUM
fsr-3462	538	13	2	2	NUM
fsr-3462	538	14	)	)	PUNCT
fsr-3462	538	15	*	*	PUNCT
fsr-3462	539	1	*	*	PUNCT
fsr-3462	539	2	0	0	NUM
fsr-3462	539	3	.1	.1	NUM
fsr-3462	539	4	6	6	NUM
fsr-3462	539	5	4	4	NUM
fsr-3462	539	6	(	(	PUNCT
fsr-3462	539	7	0	0	NUM
fsr-3462	539	8	.0	.0	NUM
fsr-3462	539	9	4	4	NUM
fsr-3462	539	10	)	)	PUNCT
fsr-3462	539	11	*	*	PUNCT
fsr-3462	540	1	*	*	PUNCT
fsr-3462	540	2	0	0	PUNCT
fsr-3462	540	3	.1	.1	NUM
fsr-3462	540	4	5	5	NUM
fsr-3462	540	5	4	4	NUM
fsr-3462	540	6	(	(	PUNCT
fsr-3462	540	7	0	0	NUM
fsr-3462	540	8	.0	.0	NUM
fsr-3462	540	9	5	5	NUM
fsr-3462	540	10	)	)	PUNCT
fsr-3462	540	11	*	*	PUNCT
fsr-3462	541	1	*	*	PUNCT
fsr-3462	541	2	0	0	PUNCT
fsr-3462	541	3	.1	.1	NUM
fsr-3462	541	4	6	6	NUM
fsr-3462	541	5	7	7	NUM
fsr-3462	541	6	(	(	PUNCT
fsr-3462	541	7	0	0	NUM
fsr-3462	541	8	.0	.0	NUM
fsr-3462	541	9	4	4	NUM
fsr-3462	541	10	)	)	PUNCT
fsr-3462	541	11	*	*	PUNCT
fsr-3462	542	1	*	*	PUNCT
fsr-3462	542	2	0	0	PUNCT
fsr-3462	543	1	.2	.2	NUM
fsr-3462	543	2	7	7	NUM
fsr-3462	543	3	1	1	NUM
fsr-3462	543	4	(	(	PUNCT
fsr-3462	543	5	0	0	NUM
fsr-3462	543	6	.0	.0	NUM
fsr-3462	543	7	1	1	NUM
fsr-3462	543	8	)	)	PUNCT
fsr-3462	543	9	*	*	PUNCT
fsr-3462	544	1	*	*	PUNCT
fsr-3462	544	2	*	*	PUNCT
fsr-3462	544	3	f	f	X
fsr-3462	544	4	in	in	ADP
fsr-3462	544	5	an	an	DET
fsr-3462	544	6	ci	ci	PROPN
fsr-3462	544	7	al	al	PROPN
fsr-3462	544	8	li	li	PROPN
fsr-3462	545	1	te	te	PROPN
fsr-3462	545	2	ra	ra	PROPN
fsr-3462	545	3	cy	cy	INTJ
fsr-3462	545	4	q	q	PROPN
fsr-3462	545	5	u	u	NOUN
fsr-3462	545	6	es	es	X
fsr-3462	545	7	ti	ti	NOUN
fsr-3462	545	8	o	o	NOUN
fsr-3462	545	9	n	n	PROPN
fsr-3462	545	10	s	s	PROPN
fsr-3462	545	11	t	t	NOUN
fsr-3462	545	12	o	o	X
fsr-3462	545	13	ta	ta	ADP
fsr-3462	545	14	l	l	PROPN
fsr-3462	545	15	an	an	PRON
fsr-3462	545	16	sw	sw	PROPN
fsr-3462	545	17	er	er	INTJ
fsr-3462	545	18	s	s	PROPN
fsr-3462	545	19	0	0	NUM
fsr-3462	545	20	.5	.5	NUM
fsr-3462	545	21	3	3	NUM
fsr-3462	545	22	0	0	NUM
fsr-3462	546	1	(	(	PUNCT
fsr-3462	546	2	0	0	NUM
fsr-3462	546	3	.0	.0	NUM
fsr-3462	546	4	0	0	NUM
fsr-3462	546	5	1	1	NUM
fsr-3462	546	6	)	)	PUNCT
fsr-3462	546	7	*	*	PUNCT
fsr-3462	547	1	*	*	PUNCT
fsr-3462	547	2	*	*	PUNCT
fsr-3462	547	3	0	0	NUM
fsr-3462	547	4	.3	.3	NUM
fsr-3462	547	5	4	4	NUM
fsr-3462	547	6	8	8	NUM
fsr-3462	547	7	(	(	PUNCT
fsr-3462	547	8	0	0	NUM
fsr-3462	547	9	.2	.2	NUM
fsr-3462	547	10	1	1	NUM
fsr-3462	547	11	)	)	PUNCT
fsr-3462	547	12	0	0	NUM
fsr-3462	548	1	.2	.2	NUM
fsr-3462	548	2	8	8	NUM
fsr-3462	548	3	0	0	NUM
fsr-3462	548	4	(	(	PUNCT
fsr-3462	548	5	0	0	NUM
fsr-3462	548	6	.0	.0	NUM
fsr-3462	548	7	4	4	NUM
fsr-3462	548	8	)	)	PUNCT
fsr-3462	548	9	*	*	PUNCT
fsr-3462	549	1	*	*	PUNCT
fsr-3462	549	2	0	0	NUM
fsr-3462	549	3	.0	.0	NUM
fsr-3462	549	4	7	7	NUM
fsr-3462	549	5	6	6	NUM
fsr-3462	549	6	(	(	PUNCT
fsr-3462	549	7	0	0	NUM
fsr-3462	549	8	.6	.6	NUM
fsr-3462	549	9	3	3	NUM
fsr-3462	549	10	)	)	PUNCT
fsr-3462	549	11	0	0	NUM
fsr-3462	549	12	.3	.3	NUM
fsr-3462	549	13	6	6	NUM
fsr-3462	549	14	8	8	NUM
fsr-3462	549	15	(	(	PUNCT
fsr-3462	549	16	0	0	NUM
fsr-3462	549	17	.0	.0	NUM
fsr-3462	549	18	3	3	NUM
fsr-3462	549	19	)	)	PUNCT
fsr-3462	549	20	*	*	PUNCT
fsr-3462	550	1	*	*	PUNCT
fsr-3462	550	2	in	in	ADP
fsr-3462	550	3	te	te	INTJ
fsr-3462	550	4	ra	ra	PROPN
fsr-3462	550	5	ct	ct	PROPN
fsr-3462	550	6	io	io	PROPN
fsr-3462	550	7	n	n	PROPN
fsr-3462	550	8	ef	ef	X
fsr-3462	550	9	fe	fe	X
fsr-3462	550	10	ct	ct	PROPN
fsr-3462	550	11	s	s	PROPN
fsr-3462	550	12	o	o	X
fsr-3462	550	13	f	f	PROPN
fsr-3462	550	14	fi	fi	NOUN
fsr-3462	550	15	n	n	CCONJ
fsr-3462	550	16	an	an	DET
fsr-3462	550	17	ci	ci	PROPN
fsr-3462	550	18	al	al	PROPN
fsr-3462	550	19	li	li	PROPN
fsr-3462	551	1	te	te	PROPN
fsr-3462	551	2	ra	ra	PROPN
fsr-3462	552	1	cy	cy	INTJ
fsr-3462	552	2	w	w	PROPN
fsr-3462	553	1	it	it	PRON
fsr-3462	554	1	h	h	NOUN
fsr-3462	555	1	p	p	X
fsr-3462	555	2	ar	ar	PROPN
fsr-3462	555	3	en	en	X
fsr-3462	555	4	ts	ts	ADP
fsr-3462	555	5	fi	fi	PROPN
fsr-3462	555	6	n	n	CCONJ
fsr-3462	556	1	an	an	DET
fsr-3462	556	2	ci	ci	NOUN
fsr-3462	556	3	al	al	PROPN
fsr-3462	556	4	ed	ed	PROPN
fsr-3462	556	5	u	u	PROPN
fsr-3462	556	6	ca	can	AUX
fsr-3462	556	7	ti	ti	NOUN
fsr-3462	556	8	o	o	PROPN
fsr-3462	556	9	n	n	X
fsr-3462	556	10	�	�	PROPN
fsr-3462	556	11	0	0	NUM
fsr-3462	556	12	.4	.4	NUM
fsr-3462	556	13	3	3	NUM
fsr-3462	556	14	4	4	NUM
fsr-3462	556	15	(	(	PUNCT
fsr-3462	556	16	0	0	NUM
fsr-3462	556	17	.0	.0	NUM
fsr-3462	556	18	5	5	NUM
fsr-3462	556	19	)	)	PUNCT
fsr-3462	556	20	*	*	PUNCT
fsr-3462	557	1	*	*	PUNCT
fsr-3462	557	2	a	a	DET
fsr-3462	557	3	n	n	NOUN
fsr-3462	557	4	x	x	X
fsr-3462	557	5	ie	ie	X
fsr-3462	557	6	ty	ty	NUM
fsr-3462	557	7	�	�	PROPN
fsr-3462	557	8	0	0	NUM
fsr-3462	557	9	.0	.0	NUM
fsr-3462	557	10	5	5	NUM
fsr-3462	557	11	4	4	NUM
fsr-3462	557	12	(	(	PUNCT
fsr-3462	557	13	0	0	NUM
fsr-3462	557	14	.6	.6	NUM
fsr-3462	557	15	0	0	NUM
fsr-3462	557	16	)	)	PUNCT
fsr-3462	558	1	o	o	NOUN
fsr-3462	558	2	v	v	ADP
fsr-3462	558	3	er	er	INTJ
fsr-3462	558	4	sp	sp	ADP
fsr-3462	558	5	en	en	X
fsr-3462	558	6	d	d	PROPN
fsr-3462	558	7	in	in	ADP
fsr-3462	558	8	g	g	PROPN
fsr-3462	558	9	�	�	PROPN
fsr-3462	558	10	0	0	NUM
fsr-3462	558	11	.0	.0	NUM
fsr-3462	558	12	6	6	NUM
fsr-3462	558	13	1	1	NUM
fsr-3462	558	14	(	(	PUNCT
fsr-3462	558	15	0	0	NUM
fsr-3462	558	16	.4	.4	NUM
fsr-3462	558	17	5	5	NUM
fsr-3462	558	18	)	)	PUNCT
fsr-3462	558	19	s	s	PART
fsr-3462	558	20	u	u	NOUN
fsr-3462	558	21	rp	rp	NOUN
fsr-3462	558	22	ri	ri	PROPN
fsr-3462	558	23	se	se	PROPN
fsr-3462	559	1	d	d	X
fsr-3462	559	2	0	0	PROPN
fsr-3462	559	3	.1	.1	NUM
fsr-3462	559	4	2	2	NUM
fsr-3462	559	5	3	3	NUM
fsr-3462	559	6	(	(	PUNCT
fsr-3462	559	7	0	0	NUM
fsr-3462	559	8	.2	.2	NUM
fsr-3462	559	9	2	2	NUM
fsr-3462	559	10	)	)	PUNCT
fsr-3462	559	11	n	n	PRON
fsr-3462	559	12	c	c	NOUN
fsr-3462	559	13	c	c	X
fsr-3462	559	14	�	�	PROPN
fsr-3462	559	15	0	0	PROPN
fsr-3462	559	16	.0	.0	NUM
fsr-3462	559	17	8	8	NUM
fsr-3462	559	18	0	0	NUM
fsr-3462	559	19	(	(	PUNCT
fsr-3462	559	20	0	0	NUM
fsr-3462	559	21	.1	.1	NUM
fsr-3462	559	22	6	6	NUM
fsr-3462	559	23	)	)	PUNCT
fsr-3462	560	1	o	o	NOUN
fsr-3462	560	2	b	b	PROPN
fsr-3462	560	3	s	s	NOUN
fsr-3462	560	4	1	1	NUM
fsr-3462	560	5	5	5	NUM
fsr-3462	560	6	6	6	NUM
fsr-3462	560	7	1	1	NUM
fsr-3462	560	8	5	5	NUM
fsr-3462	560	9	6	6	NUM
fsr-3462	560	10	1	1	NUM
fsr-3462	560	11	5	5	NUM
fsr-3462	560	12	6	6	NUM
fsr-3462	560	13	1	1	NUM
fsr-3462	560	14	5	5	NUM
fsr-3462	560	15	6	6	NUM
fsr-3462	560	16	1	1	NUM
fsr-3462	560	17	5	5	NUM
fsr-3462	560	18	6	6	NUM
fsr-3462	560	19	p	p	NOUN
fsr-3462	560	20	se	se	X
fsr-3462	560	21	u	u	PROPN
fsr-3462	561	1	d	d	X
fsr-3462	561	2	o	o	NOUN
fsr-3462	561	3	r	r	NOUN
fsr-3462	561	4	2	2	NUM
fsr-3462	561	5	0	0	NUM
fsr-3462	561	6	.2	.2	NUM
fsr-3462	561	7	2	2	NUM
fsr-3462	561	8	3	3	NUM
fsr-3462	561	9	0	0	NUM
fsr-3462	561	10	.2	.2	NUM
fsr-3462	561	11	1	1	NUM
fsr-3462	561	12	3	3	NUM
fsr-3462	561	13	0	0	NUM
fsr-3462	562	1	.2	.2	NUM
fsr-3462	562	2	1	1	NUM
fsr-3462	562	3	3	3	NUM
fsr-3462	562	4	0	0	NUM
fsr-3462	563	1	.2	.2	NUM
fsr-3462	563	2	1	1	NUM
fsr-3462	563	3	6	6	NUM
fsr-3462	563	4	0	0	NUM
fsr-3462	564	1	.2	.2	NUM
fsr-3462	564	2	1	1	NUM
fsr-3462	564	3	5	5	NUM
fsr-3462	564	4	l	l	NOUN
fsr-3462	564	5	r	r	NOUN
fsr-3462	564	6	st	st	PROPN
fsr-3462	564	7	at	at	ADP
fsr-3462	564	8	is	be	AUX
fsr-3462	564	9	ti	ti	X
fsr-3462	564	10	c	c	NOUN
fsr-3462	564	11	6	6	NUM
fsr-3462	564	12	9	9	NUM
fsr-3462	564	13	.1	.1	NUM
fsr-3462	564	14	7	7	NUM
fsr-3462	564	15	2	2	NUM
fsr-3462	564	16	6	6	NUM
fsr-3462	564	17	5	5	NUM
fsr-3462	564	18	.8	.8	NUM
fsr-3462	564	19	7	7	NUM
fsr-3462	564	20	0	0	NUM
fsr-3462	564	21	6	6	NUM
fsr-3462	564	22	6	6	NUM
fsr-3462	564	23	.0	.0	NUM
fsr-3462	564	24	5	5	NUM
fsr-3462	564	25	0	0	NUM
fsr-3462	564	26	6	6	NUM
fsr-3462	564	27	6	6	NUM
fsr-3462	564	28	.9	.9	NUM
fsr-3462	564	29	8	8	NUM
fsr-3462	564	30	1	1	NUM
fsr-3462	564	31	6	6	NUM
fsr-3462	564	32	6	6	NUM
fsr-3462	564	33	.5	.5	NUM
fsr-3462	564	34	9	9	NUM
fsr-3462	564	35	0	0	NUM
fsr-3462	564	36	p	p	NOUN
fsr-3462	564	37	ro	ro	PROPN
fsr-3462	564	38	b	b	PROPN
fsr-3462	564	39	ab	ab	PROPN
fsr-3462	564	40	il	il	PROPN
fsr-3462	565	1	it	it	PRON
fsr-3462	565	2	y	y	PROPN
fsr-3462	565	3	(	(	PUNCT
fsr-3462	565	4	l	l	NOUN
fsr-3462	565	5	r	r	NOUN
fsr-3462	565	6	st	st	PROPN
fsr-3462	565	7	at	at	ADP
fsr-3462	565	8	)	)	PUNCT
fsr-3462	565	9	(	(	PUNCT
fsr-3462	565	10	0	0	NUM
fsr-3462	565	11	.0	.0	NUM
fsr-3462	565	12	0	0	NUM
fsr-3462	565	13	1	1	NUM
fsr-3462	565	14	)	)	PUNCT
fsr-3462	565	15	*	*	PUNCT
fsr-3462	566	1	*	*	PUNCT
fsr-3462	566	2	*	*	PUNCT
fsr-3462	566	3	(	(	PUNCT
fsr-3462	566	4	0	0	NUM
fsr-3462	566	5	.0	.0	NUM
fsr-3462	566	6	0	0	NUM
fsr-3462	566	7	1	1	NUM
fsr-3462	566	8	)	)	PUNCT
fsr-3462	566	9	*	*	PUNCT
fsr-3462	567	1	*	*	PUNCT
fsr-3462	567	2	*	*	PUNCT
fsr-3462	567	3	(	(	PUNCT
fsr-3462	567	4	0	0	NUM
fsr-3462	567	5	.0	.0	NUM
fsr-3462	567	6	0	0	NUM
fsr-3462	567	7	1	1	NUM
fsr-3462	567	8	)	)	PUNCT
fsr-3462	567	9	*	*	PUNCT
fsr-3462	568	1	*	*	PUNCT
fsr-3462	568	2	*	*	PUNCT
fsr-3462	568	3	(	(	PUNCT
fsr-3462	568	4	0	0	NUM
fsr-3462	568	5	.0	.0	NUM
fsr-3462	568	6	0	0	NUM
fsr-3462	568	7	1	1	NUM
fsr-3462	568	8	)	)	PUNCT
fsr-3462	568	9	*	*	PUNCT
fsr-3462	569	1	*	*	PUNCT
fsr-3462	569	2	*	*	PUNCT
fsr-3462	569	3	(	(	PUNCT
fsr-3462	569	4	0	0	NUM
fsr-3462	569	5	.0	.0	NUM
fsr-3462	569	6	0	0	NUM
fsr-3462	569	7	1	1	NUM
fsr-3462	569	8	)	)	PUNCT
fsr-3462	569	9	*	*	PUNCT
fsr-3462	570	1	*	*	PUNCT
fsr-3462	570	2	*	*	PUNCT
fsr-3462	570	3	a	a	DET
fsr-3462	570	4	k	k	X
fsr-3462	570	5	ai	ai	VERB
fsr-3462	570	6	k	k	PROPN
fsr-3462	570	7	e	e	NOUN
fsr-3462	570	8	in	in	ADP
fsr-3462	570	9	fo	fo	ADP
fsr-3462	570	10	cr	cr	INTJ
fsr-3462	571	1	it	it	PRON
fsr-3462	571	2	er	er	INTJ
fsr-3462	571	3	io	io	X
fsr-3462	571	4	n	n	PROPN
fsr-3462	571	5	1	1	NUM
fsr-3462	571	6	.6	.6	NUM
fsr-3462	571	7	7	7	NUM
fsr-3462	571	8	1	1	NUM
fsr-3462	571	9	1	1	NUM
fsr-3462	571	10	.6	.6	NUM
fsr-3462	571	11	9	9	NUM
fsr-3462	571	12	2	2	NUM
fsr-3462	571	13	1	1	NUM
fsr-3462	571	14	.6	.6	NUM
fsr-3462	571	15	9	9	NUM
fsr-3462	571	16	1	1	NUM
fsr-3462	571	17	1	1	NUM
fsr-3462	571	18	.6	.6	NUM
fsr-3462	571	19	8	8	NUM
fsr-3462	571	20	5	5	NUM
fsr-3462	571	21	1	1	NUM
fsr-3462	571	22	.6	.6	NUM
fsr-3462	571	23	8	8	NUM
fsr-3462	571	24	8	8	NUM
fsr-3462	571	25	s	s	NOUN
fsr-3462	571	26	ch	ch	PROPN
fsr-3462	571	27	w	w	PROPN
fsr-3462	571	28	ar	ar	PROPN
fsr-3462	571	29	z	z	PROPN
fsr-3462	571	30	cr	cr	PROPN
fsr-3462	572	1	it	it	PRON
fsr-3462	572	2	er	er	INTJ
fsr-3462	572	3	io	io	X
fsr-3462	572	4	n	n	PROPN
fsr-3462	572	5	1	1	NUM
fsr-3462	572	6	.8	.8	NUM
fsr-3462	572	7	6	6	NUM
fsr-3462	572	8	7	7	NUM
fsr-3462	572	9	1	1	NUM
fsr-3462	572	10	.8	.8	NUM
fsr-3462	572	11	8	8	NUM
fsr-3462	572	12	8	8	NUM
fsr-3462	572	13	1	1	NUM
fsr-3462	572	14	.8	.8	NUM
fsr-3462	572	15	8	8	NUM
fsr-3462	572	16	7	7	NUM
fsr-3462	572	17	1	1	NUM
fsr-3462	572	18	.8	.8	NUM
fsr-3462	572	19	8	8	NUM
fsr-3462	572	20	1	1	NUM
fsr-3462	572	21	1	1	NUM
fsr-3462	572	22	.8	.8	NUM
fsr-3462	572	23	8	8	NUM
fsr-3462	572	24	3	3	NUM
fsr-3462	572	25	h	h	NOUN
fsr-3462	572	26	an	an	PRON
fsr-3462	572	27	n	n	CCONJ
fsr-3462	572	28	an	an	DET
fsr-3462	572	29	-q	-q	X
fsr-3462	572	30	u	u	NOUN
fsr-3462	572	31	in	in	ADP
fsr-3462	572	32	n	n	DET
fsr-3462	572	33	cr	cr	NOUN
fsr-3462	573	1	it	it	PRON
fsr-3462	573	2	er	er	INTJ
fsr-3462	573	3	io	io	X
fsr-3462	573	4	n	n	PROPN
fsr-3462	573	5	1	1	NUM
fsr-3462	573	6	.7	.7	NUM
fsr-3462	573	7	5	5	NUM
fsr-3462	573	8	1	1	NUM
fsr-3462	573	9	1	1	NUM
fsr-3462	573	10	.7	.7	NUM
fsr-3462	573	11	7	7	NUM
fsr-3462	573	12	2	2	NUM
fsr-3462	573	13	1	1	NUM
fsr-3462	573	14	.7	.7	NUM
fsr-3462	573	15	7	7	NUM
fsr-3462	573	16	1	1	NUM
fsr-3462	573	17	1	1	NUM
fsr-3462	573	18	.7	.7	NUM
fsr-3462	573	19	6	6	NUM
fsr-3462	573	20	5	5	NUM
fsr-3462	573	21	1	1	NUM
fsr-3462	573	22	.7	.7	NUM
fsr-3462	573	23	6	6	NUM
fsr-3462	573	24	7	7	NUM
fsr-3462	573	25	n	n	NUM
fsr-3462	573	26	o	o	NOUN
fsr-3462	573	27	te	te	X
fsr-3462	573	28	:	:	PUNCT
fsr-3462	574	1	*	*	PUNCT
fsr-3462	574	2	*	*	PUNCT
fsr-3462	574	3	*	*	PUNCT
fsr-3462	574	4	,	,	PUNCT
fsr-3462	574	5	*	*	PUNCT
fsr-3462	574	6	*	*	PUNCT
fsr-3462	574	7	,	,	PUNCT
fsr-3462	574	8	*	*	PUNCT
fsr-3462	574	9	st	st	PROPN
fsr-3462	575	1	at	at	ADP
fsr-3462	575	2	is	be	AUX
fsr-3462	575	3	ti	ti	NOUN
fsr-3462	575	4	ca	can	AUX
fsr-3462	575	5	ll	ll	VERB
fsr-3462	575	6	y	y	PROPN
fsr-3462	575	7	si	si	PROPN
fsr-3462	575	8	g	g	PROPN
fsr-3462	575	9	n	n	PROPN
fsr-3462	575	10	ifi	ifi	PROPN
fsr-3462	575	11	ca	ca	PROPN
fsr-3462	575	12	n	n	ADV
fsr-3462	575	13	t	t	PROPN
fsr-3462	575	14	at	at	ADP
fsr-3462	575	15	th	th	X
fsr-3462	575	16	e	e	ADP
fsr-3462	575	17	1	1	NUM
fsr-3462	575	18	%	%	NOUN
fsr-3462	575	19	,	,	PUNCT
fsr-3462	575	20	5	5	NUM
fsr-3462	575	21	%	%	NOUN
fsr-3462	575	22	,	,	PUNCT
fsr-3462	575	23	an	an	DET
fsr-3462	575	24	d	d	NOUN
fsr-3462	575	25	1	1	NUM
fsr-3462	575	26	0	0	NUM
fsr-3462	575	27	%	%	NOUN
fsr-3462	575	28	le	le	X
fsr-3462	576	1	v	v	PROPN
fsr-3462	576	2	el	el	PROPN
fsr-3462	576	3	,	,	PUNCT
fsr-3462	576	4	re	re	VERB
fsr-3462	576	5	sp	sp	ADP
fsr-3462	576	6	ec	ec	PROPN
fsr-3462	576	7	ti	ti	PROPN
fsr-3462	576	8	v	v	PROPN
fsr-3462	576	9	el	el	PROPN
fsr-3462	576	10	y	y	PROPN
fsr-3462	576	11	.	.	PUNCT
fsr-3462	577	1	g.	g.	PROPN
fsr-3462	577	2	barboza	barboza	PROPN
fsr-3462	577	3	et	et	PROPN
fsr-3462	578	1	al	al	PROPN
fsr-3462	578	2	.	.	PUNCT
fsr-3462	578	3	/	/	SYM
fsr-3462	578	4	financial	financial	ADJ
fsr-3462	578	5	services	service	NOUN
fsr-3462	578	6	review	review	VERB
fsr-3462	578	7	29	29	NUM
fsr-3462	578	8	(	(	PUNCT
fsr-3462	578	9	2021	2021	NUM
fsr-3462	578	10	)	)	PUNCT
fsr-3462	579	1	247–276	247–276	NUM
fsr-3462	579	2	267	267	NUM
fsr-3462	579	3	t	t	X
fsr-3462	579	4	ab	ab	PROPN
fsr-3462	579	5	le	le	PROPN
fsr-3462	579	6	6	6	NUM
fsr-3462	579	7	b	b	PROPN
fsr-3462	579	8	c	c	NOUN
fsr-3462	579	9	o	o	NOUN
fsr-3462	579	10	n	n	CCONJ
fsr-3462	579	11	su	su	PROPN
fsr-3462	579	12	m	m	PROPN
fsr-3462	579	13	er	er	INTJ
fsr-3462	579	14	b	b	X
fsr-3462	579	15	eh	eh	INTJ
fsr-3462	579	16	av	av	PROPN
fsr-3462	579	17	io	io	NOUN
fsr-3462	579	18	r	r	PROPN
fsr-3462	579	19	w	w	PROPN
fsr-3462	579	20	it	it	PRON
fsr-3462	579	21	h	h	NOUN
fsr-3462	580	1	cr	cr	INTJ
fsr-3462	580	2	ed	ed	NOUN
fsr-3462	581	1	it	it	PRON
fsr-3462	581	2	ca	can	AUX
fsr-3462	581	3	rd	rd	VERB
fsr-3462	581	4	re	re	PROPN
fsr-3462	581	5	p	p	PROPN
fsr-3462	581	6	ay	ay	PROPN
fsr-3462	581	7	m	m	PROPN
fsr-3462	581	8	en	en	ADP
fsr-3462	581	9	t	t	X
fsr-3462	581	10	fr	fr	NOUN
fsr-3462	581	11	eq	eq	ADP
fsr-3462	581	12	u	u	PROPN
fsr-3462	581	13	en	en	PROPN
fsr-3462	581	14	cy	cy	PROPN
fsr-3462	581	15	as	as	ADP
fsr-3462	581	16	d	d	PROPN
fsr-3462	581	17	ep	ep	PROPN
fsr-3462	582	1	en	en	PROPN
fsr-3462	582	2	d	d	PROPN
fsr-3462	582	3	en	en	PROPN
fsr-3462	582	4	t	t	PROPN
fsr-3462	582	5	v	v	PROPN
fsr-3462	582	6	ar	ar	PROPN
fsr-3462	582	7	ia	ia	PROPN
fsr-3462	582	8	b	b	PROPN
fsr-3462	582	9	le	le	X
fsr-3462	582	10	(	(	PUNCT
fsr-3462	582	11	d	d	NOUN
fsr-3462	582	12	o	o	X
fsr-3462	582	13	n	n	NUM
fsr-3462	582	14	o	o	NOUN
fsr-3462	582	15	t	t	X
fsr-3462	582	16	k	k	X
fsr-3462	582	17	n	n	INTJ
fsr-3462	582	18	o	o	X
fsr-3462	582	19	w	w	NOUN
fsr-3462	582	20	an	an	DET
fsr-3462	582	21	sw	sw	PROPN
fsr-3462	582	22	er	er	INTJ
fsr-3462	582	23	s	s	PROPN
fsr-3462	582	24	)	)	PUNCT
fsr-3462	582	25	f	f	PROPN
fsr-3462	582	26	in	in	ADP
fsr-3462	582	27	an	an	DET
fsr-3462	582	28	ci	ci	PROPN
fsr-3462	582	29	al	al	PROPN
fsr-3462	582	30	il	il	PROPN
fsr-3462	582	31	li	li	PROPN
fsr-3462	582	32	te	te	PROPN
fsr-3462	582	33	ra	ra	PROPN
fsr-3462	582	34	cy	cy	PROPN
fsr-3462	582	35	l	l	PROPN
fsr-3462	582	36	ev	ev	PROPN
fsr-3462	582	37	el	el	PROPN
fsr-3462	582	38	b	b	PROPN
fsr-3462	583	1	d	d	X
fsr-3462	583	2	o	o	NOUN
fsr-3462	583	3	n	n	X
fsr-3462	583	4	o	o	NOUN
fsr-3462	583	5	t	t	X
fsr-3462	583	6	k	k	X
fsr-3462	584	1	n	n	INTJ
fsr-3462	584	2	o	o	X
fsr-3462	584	3	w	w	NOUN
fsr-3462	584	4	an	an	DET
fsr-3462	584	5	sw	sw	PROPN
fsr-3462	585	1	er	er	INTJ
fsr-3462	585	2	s	s	NOUN
fsr-3462	585	3	m	m	NOUN
fsr-3462	585	4	o	o	X
fsr-3462	586	1	d	d	X
fsr-3462	586	2	el	el	PROPN
fsr-3462	586	3	s	s	PROPN
fsr-3462	586	4	w	w	NOUN
fsr-3462	586	5	it	it	PRON
fsr-3462	586	6	h	h	NOUN
fsr-3462	586	7	in	in	ADP
fsr-3462	586	8	te	te	ADP
fsr-3462	586	9	ra	ra	PROPN
fsr-3462	586	10	ct	ct	PROPN
fsr-3462	586	11	io	io	PROPN
fsr-3462	586	12	n	n	PROPN
fsr-3462	586	13	ef	ef	X
fsr-3462	586	14	fe	fe	X
fsr-3462	586	15	ct	ct	PROPN
fsr-3462	586	16	s	s	PROPN
fsr-3462	586	17	1	1	NUM
fsr-3462	586	18	2	2	NUM
fsr-3462	586	19	3	3	NUM
fsr-3462	586	20	4	4	NUM
fsr-3462	586	21	5	5	NUM
fsr-3462	586	22	f	f	NOUN
fsr-3462	586	23	in	in	ADP
fsr-3462	586	24	an	an	DET
fsr-3462	586	25	ci	ci	NOUN
fsr-3462	586	26	al	al	PROPN
fsr-3462	586	27	ed	ed	PROPN
fsr-3462	586	28	u	u	PROPN
fsr-3462	586	29	c	c	PROPN
fsr-3462	586	30	p	p	PROPN
fsr-3462	586	31	ar	ar	PROPN
fsr-3462	586	32	en	en	X
fsr-3462	586	33	ts	ts	ADP
fsr-3462	586	34	�	�	PROPN
fsr-3462	586	35	0	0	NUM
fsr-3462	586	36	.5	.5	NUM
fsr-3462	586	37	6	6	NUM
fsr-3462	586	38	0	0	NUM
fsr-3462	586	39	(	(	PUNCT
fsr-3462	586	40	0	0	NUM
fsr-3462	586	41	.0	.0	NUM
fsr-3462	586	42	5	5	NUM
fsr-3462	586	43	)	)	PUNCT
fsr-3462	586	44	*	*	PUNCT
fsr-3462	586	45	*	*	PUNCT
fsr-3462	586	46	�	�	PROPN
fsr-3462	586	47	0	0	NUM
fsr-3462	586	48	.9	.9	NUM
fsr-3462	586	49	1	1	NUM
fsr-3462	586	50	4	4	NUM
fsr-3462	586	51	(	(	PUNCT
fsr-3462	586	52	0	0	NUM
fsr-3462	586	53	.0	.0	NUM
fsr-3462	586	54	0	0	NUM
fsr-3462	586	55	1	1	NUM
fsr-3462	586	56	)	)	PUNCT
fsr-3462	586	57	*	*	PUNCT
fsr-3462	587	1	*	*	PUNCT
fsr-3462	587	2	*	*	PUNCT
fsr-3462	587	3	�	�	PROPN
fsr-3462	587	4	0	0	NUM
fsr-3462	587	5	.9	.9	NUM
fsr-3462	587	6	1	1	NUM
fsr-3462	587	7	6	6	NUM
fsr-3462	587	8	(	(	PUNCT
fsr-3462	587	9	0	0	NUM
fsr-3462	587	10	.0	.0	NUM
fsr-3462	587	11	0	0	NUM
fsr-3462	587	12	1	1	NUM
fsr-3462	587	13	)	)	PUNCT
fsr-3462	587	14	*	*	PUNCT
fsr-3462	588	1	*	*	PUNCT
fsr-3462	588	2	*	*	PUNCT
fsr-3462	588	3	�	�	PROPN
fsr-3462	588	4	0	0	NUM
fsr-3462	588	5	.9	.9	NUM
fsr-3462	588	6	1	1	NUM
fsr-3462	588	7	3	3	NUM
fsr-3462	588	8	(	(	PUNCT
fsr-3462	588	9	0	0	NUM
fsr-3462	588	10	.0	.0	NUM
fsr-3462	588	11	0	0	NUM
fsr-3462	588	12	1	1	NUM
fsr-3462	588	13	)	)	PUNCT
fsr-3462	588	14	*	*	PUNCT
fsr-3462	589	1	*	*	PUNCT
fsr-3462	589	2	*	*	PUNCT
fsr-3462	589	3	�	�	PROPN
fsr-3462	589	4	0	0	NUM
fsr-3462	589	5	.9	.9	NUM
fsr-3462	589	6	0	0	NUM
fsr-3462	589	7	8	8	NUM
fsr-3462	589	8	(	(	PUNCT
fsr-3462	589	9	0	0	NUM
fsr-3462	589	10	.0	.0	NUM
fsr-3462	589	11	0	0	NUM
fsr-3462	589	12	1	1	NUM
fsr-3462	589	13	)	)	PUNCT
fsr-3462	589	14	*	*	PUNCT
fsr-3462	590	1	*	*	PUNCT
fsr-3462	590	2	*	*	PUNCT
fsr-3462	590	3	a	a	DET
fsr-3462	590	4	n	n	NOUN
fsr-3462	590	5	x	x	X
fsr-3462	590	6	ie	ie	ADV
fsr-3462	590	7	ty	ty	INTJ
fsr-3462	590	8	0	0	NUM
fsr-3462	591	1	.1	.1	NUM
fsr-3462	591	2	8	8	NUM
fsr-3462	591	3	3	3	NUM
fsr-3462	591	4	(	(	PUNCT
fsr-3462	591	5	0	0	NUM
fsr-3462	591	6	.0	.0	NUM
fsr-3462	591	7	9	9	NUM
fsr-3462	591	8	)	)	PUNCT
fsr-3462	591	9	*	*	PUNCT
fsr-3462	591	10	0	0	NUM
fsr-3462	592	1	.1	.1	NUM
fsr-3462	592	2	3	3	NUM
fsr-3462	592	3	0	0	NUM
fsr-3462	592	4	(	(	PUNCT
fsr-3462	592	5	0	0	NUM
fsr-3462	592	6	.3	.3	NUM
fsr-3462	592	7	7	7	NUM
fsr-3462	592	8	)	)	PUNCT
fsr-3462	592	9	0	0	NUM
fsr-3462	592	10	.1	.1	NUM
fsr-3462	592	11	6	6	NUM
fsr-3462	592	12	7	7	NUM
fsr-3462	592	13	(	(	PUNCT
fsr-3462	592	14	0	0	NUM
fsr-3462	592	15	.1	.1	NUM
fsr-3462	592	16	2	2	NUM
fsr-3462	592	17	)	)	PUNCT
fsr-3462	592	18	0	0	NUM
fsr-3462	593	1	.1	.1	NUM
fsr-3462	593	2	6	6	NUM
fsr-3462	593	3	3	3	NUM
fsr-3462	593	4	(	(	PUNCT
fsr-3462	593	5	0	0	NUM
fsr-3462	593	6	.1	.1	NUM
fsr-3462	593	7	2	2	NUM
fsr-3462	593	8	)	)	PUNCT
fsr-3462	593	9	0	0	NUM
fsr-3462	594	1	.1	.1	NUM
fsr-3462	594	2	6	6	NUM
fsr-3462	594	3	5	5	NUM
fsr-3462	594	4	(	(	PUNCT
fsr-3462	594	5	0	0	NUM
fsr-3462	594	6	.1	.1	NUM
fsr-3462	594	7	2	2	X
fsr-3462	594	8	)	)	PUNCT
fsr-3462	594	9	s	s	VERB
fsr-3462	594	10	u	u	NOUN
fsr-3462	594	11	rp	rp	NOUN
fsr-3462	594	12	ri	ri	PROPN
fsr-3462	594	13	se	se	PROPN
fsr-3462	595	1	d	d	X
fsr-3462	595	2	0	0	PUNCT
fsr-3462	595	3	.1	.1	NUM
fsr-3462	595	4	4	4	NUM
fsr-3462	595	5	7	7	NUM
fsr-3462	595	6	(	(	PUNCT
fsr-3462	595	7	0	0	NUM
fsr-3462	595	8	.2	.2	NUM
fsr-3462	595	9	7	7	NUM
fsr-3462	595	10	)	)	PUNCT
fsr-3462	595	11	0	0	NUM
fsr-3462	596	1	.1	.1	NUM
fsr-3462	596	2	8	8	NUM
fsr-3462	596	3	0	0	NUM
fsr-3462	596	4	(	(	PUNCT
fsr-3462	596	5	0	0	NUM
fsr-3462	596	6	.1	.1	NUM
fsr-3462	596	7	6	6	NUM
fsr-3462	596	8	)	)	PUNCT
fsr-3462	596	9	0	0	NUM
fsr-3462	597	1	.1	.1	NUM
fsr-3462	597	2	8	8	NUM
fsr-3462	597	3	5	5	NUM
fsr-3462	597	4	(	(	PUNCT
fsr-3462	597	5	0	0	NUM
fsr-3462	597	6	.1	.1	NUM
fsr-3462	597	7	5	5	NUM
fsr-3462	597	8	)	)	PUNCT
fsr-3462	597	9	0	0	NUM
fsr-3462	598	1	.1	.1	NUM
fsr-3462	598	2	8	8	NUM
fsr-3462	598	3	4	4	NUM
fsr-3462	598	4	(	(	PUNCT
fsr-3462	598	5	0	0	NUM
fsr-3462	598	6	.2	.2	NUM
fsr-3462	598	7	8	8	NUM
fsr-3462	598	8	)	)	PUNCT
fsr-3462	598	9	0	0	NUM
fsr-3462	599	1	.1	.1	NUM
fsr-3462	599	2	8	8	NUM
fsr-3462	599	3	4	4	NUM
fsr-3462	599	4	(	(	PUNCT
fsr-3462	599	5	0	0	NUM
fsr-3462	599	6	.1	.1	NUM
fsr-3462	599	7	5	5	X
fsr-3462	599	8	)	)	PUNCT
fsr-3462	600	1	o	o	NOUN
fsr-3462	600	2	v	v	INTJ
fsr-3462	600	3	er	er	INTJ
fsr-3462	600	4	s	s	X
fsr-3462	600	5	p	p	X
fsr-3462	600	6	en	en	PROPN
fsr-3462	600	7	d	d	PROPN
fsr-3462	600	8	in	in	ADP
fsr-3462	600	9	g	g	PROPN
fsr-3462	600	10	0	0	NUM
fsr-3462	600	11	.5	.5	NUM
fsr-3462	600	12	1	1	NUM
fsr-3462	600	13	9	9	NUM
fsr-3462	600	14	(	(	PUNCT
fsr-3462	600	15	0	0	NUM
fsr-3462	600	16	.0	.0	NUM
fsr-3462	600	17	0	0	NUM
fsr-3462	600	18	1	1	NUM
fsr-3462	600	19	)	)	PUNCT
fsr-3462	600	20	*	*	PUNCT
fsr-3462	601	1	*	*	PUNCT
fsr-3462	602	1	*	*	PUNCT
fsr-3462	602	2	0	0	NUM
fsr-3462	603	1	.5	.5	NUM
fsr-3462	603	2	1	1	NUM
fsr-3462	603	3	0	0	NUM
fsr-3462	603	4	(	(	PUNCT
fsr-3462	603	5	0	0	NUM
fsr-3462	603	6	.0	.0	NUM
fsr-3462	603	7	0	0	NUM
fsr-3462	603	8	1	1	NUM
fsr-3462	603	9	)	)	PUNCT
fsr-3462	603	10	*	*	PUNCT
fsr-3462	604	1	*	*	PUNCT
fsr-3462	605	1	*	*	PUNCT
fsr-3462	605	2	0	0	NUM
fsr-3462	605	3	.5	.5	NUM
fsr-3462	605	4	5	5	NUM
fsr-3462	605	5	1	1	NUM
fsr-3462	605	6	(	(	PUNCT
fsr-3462	605	7	0	0	NUM
fsr-3462	605	8	.0	.0	NUM
fsr-3462	605	9	0	0	NUM
fsr-3462	605	10	1	1	NUM
fsr-3462	605	11	)	)	PUNCT
fsr-3462	605	12	*	*	PUNCT
fsr-3462	606	1	*	*	PUNCT
fsr-3462	607	1	*	*	PUNCT
fsr-3462	607	2	0	0	NUM
fsr-3462	608	1	.5	.5	NUM
fsr-3462	608	2	0	0	NUM
fsr-3462	608	3	9	9	NUM
fsr-3462	608	4	(	(	PUNCT
fsr-3462	608	5	0	0	NUM
fsr-3462	608	6	.0	.0	NUM
fsr-3462	608	7	0	0	NUM
fsr-3462	608	8	1	1	NUM
fsr-3462	608	9	)	)	PUNCT
fsr-3462	608	10	*	*	PUNCT
fsr-3462	609	1	*	*	PUNCT
fsr-3462	610	1	*	*	PUNCT
fsr-3462	610	2	0	0	NUM
fsr-3462	611	1	.5	.5	NUM
fsr-3462	611	2	0	0	NUM
fsr-3462	611	3	4	4	NUM
fsr-3462	611	4	(	(	PUNCT
fsr-3462	611	5	0	0	NUM
fsr-3462	611	6	.0	.0	NUM
fsr-3462	611	7	0	0	NUM
fsr-3462	611	8	1	1	NUM
fsr-3462	611	9	)	)	PUNCT
fsr-3462	611	10	*	*	PUNCT
fsr-3462	612	1	*	*	PUNCT
fsr-3462	612	2	*	*	PUNCT
fsr-3462	612	3	n	n	PRON
fsr-3462	612	4	c	c	NOUN
fsr-3462	612	5	c	c	NOUN
fsr-3462	612	6	0	0	PUNCT
fsr-3462	612	7	.1	.1	NUM
fsr-3462	612	8	3	3	NUM
fsr-3462	612	9	0	0	NUM
fsr-3462	612	10	(	(	PUNCT
fsr-3462	612	11	0	0	NUM
fsr-3462	612	12	.1	.1	NUM
fsr-3462	612	13	5	5	NUM
fsr-3462	612	14	)	)	PUNCT
fsr-3462	612	15	0	0	NUM
fsr-3462	612	16	.1	.1	NUM
fsr-3462	612	17	3	3	NUM
fsr-3462	612	18	6	6	NUM
fsr-3462	612	19	(	(	PUNCT
fsr-3462	612	20	0	0	NUM
fsr-3462	612	21	.1	.1	NUM
fsr-3462	612	22	3	3	NUM
fsr-3462	612	23	)	)	PUNCT
fsr-3462	612	24	0	0	NUM
fsr-3462	613	1	.1	.1	NUM
fsr-3462	613	2	3	3	NUM
fsr-3462	613	3	8	8	NUM
fsr-3462	613	4	(	(	PUNCT
fsr-3462	613	5	0	0	NUM
fsr-3462	613	6	.1	.1	NUM
fsr-3462	613	7	3	3	NUM
fsr-3462	613	8	)	)	PUNCT
fsr-3462	613	9	0	0	NUM
fsr-3462	613	10	.1	.1	NUM
fsr-3462	613	11	3	3	NUM
fsr-3462	613	12	4	4	NUM
fsr-3462	613	13	(	(	PUNCT
fsr-3462	613	14	0	0	NUM
fsr-3462	613	15	.1	.1	NUM
fsr-3462	613	16	4	4	NUM
fsr-3462	613	17	)	)	PUNCT
fsr-3462	613	18	0	0	NUM
fsr-3462	614	1	.1	.1	NUM
fsr-3462	614	2	0	0	NUM
fsr-3462	614	3	8	8	NUM
fsr-3462	614	4	(	(	PUNCT
fsr-3462	614	5	0	0	NUM
fsr-3462	614	6	.3	.3	NUM
fsr-3462	614	7	4	4	NUM
fsr-3462	614	8	)	)	PUNCT
fsr-3462	614	9	f	f	NOUN
fsr-3462	614	10	in	in	ADP
fsr-3462	614	11	an	an	DET
fsr-3462	614	12	ci	ci	PROPN
fsr-3462	614	13	al	al	PROPN
fsr-3462	614	14	li	li	PROPN
fsr-3462	615	1	te	te	PROPN
fsr-3462	615	2	ra	ra	PROPN
fsr-3462	615	3	cy	cy	INTJ
fsr-3462	615	4	q	q	PROPN
fsr-3462	615	5	u	u	NOUN
fsr-3462	615	6	es	es	X
fsr-3462	615	7	ti	ti	NOUN
fsr-3462	615	8	o	o	NOUN
fsr-3462	615	9	n	n	PROPN
fsr-3462	615	10	s	s	PROPN
fsr-3462	615	11	t	t	NOUN
fsr-3462	615	12	o	o	X
fsr-3462	615	13	ta	ta	ADP
fsr-3462	615	14	l	l	PROPN
fsr-3462	615	15	an	an	PRON
fsr-3462	615	16	sw	sw	PROPN
fsr-3462	615	17	er	er	INTJ
fsr-3462	615	18	s	s	PROPN
fsr-3462	615	19	0	0	NUM
fsr-3462	615	20	.2	.2	NUM
fsr-3462	615	21	7	7	NUM
fsr-3462	615	22	5	5	NUM
fsr-3462	615	23	(	(	PUNCT
fsr-3462	615	24	0	0	NUM
fsr-3462	615	25	.2	.2	NUM
fsr-3462	615	26	0	0	NUM
fsr-3462	615	27	)	)	PUNCT
fsr-3462	615	28	�	�	PROPN
fsr-3462	615	29	0	0	NUM
fsr-3462	615	30	.1	.1	NUM
fsr-3462	615	31	0	0	NUM
fsr-3462	615	32	6	6	NUM
fsr-3462	615	33	(	(	PUNCT
fsr-3462	615	34	0	0	NUM
fsr-3462	615	35	.7	.7	NUM
fsr-3462	615	36	1	1	NUM
fsr-3462	615	37	)	)	PUNCT
fsr-3462	615	38	0	0	NUM
fsr-3462	616	1	.0	.0	NUM
fsr-3462	616	2	2	2	NUM
fsr-3462	616	3	3	3	NUM
fsr-3462	616	4	(	(	PUNCT
fsr-3462	616	5	0	0	NUM
fsr-3462	616	6	.8	.8	PROPN
fsr-3462	616	7	9	9	NUM
fsr-3462	616	8	)	)	PUNCT
fsr-3462	616	9	�	�	PROPN
fsr-3462	616	10	0	0	NUM
fsr-3462	616	11	.0	.0	NUM
fsr-3462	616	12	1	1	NUM
fsr-3462	616	13	8	8	NUM
fsr-3462	616	14	(	(	PUNCT
fsr-3462	616	15	0	0	NUM
fsr-3462	616	16	.9	.9	NUM
fsr-3462	616	17	3	3	X
fsr-3462	616	18	)	)	PUNCT
fsr-3462	616	19	�	�	PROPN
fsr-3462	616	20	0	0	NUM
fsr-3462	616	21	.0	.0	NUM
fsr-3462	616	22	9	9	NUM
fsr-3462	616	23	8	8	NUM
fsr-3462	616	24	(	(	PUNCT
fsr-3462	616	25	0	0	NUM
fsr-3462	616	26	.6	.6	NUM
fsr-3462	616	27	9	9	NUM
fsr-3462	616	28	)	)	PUNCT
fsr-3462	616	29	in	in	ADP
fsr-3462	616	30	te	te	ADP
fsr-3462	616	31	ra	ra	PROPN
fsr-3462	616	32	ct	ct	PROPN
fsr-3462	616	33	io	io	PROPN
fsr-3462	616	34	n	n	PROPN
fsr-3462	616	35	ef	ef	X
fsr-3462	616	36	fe	fe	X
fsr-3462	616	37	ct	ct	PROPN
fsr-3462	616	38	s	s	PROPN
fsr-3462	616	39	o	o	X
fsr-3462	616	40	f	f	PROPN
fsr-3462	616	41	fi	fi	NOUN
fsr-3462	616	42	n	n	CCONJ
fsr-3462	616	43	an	an	DET
fsr-3462	616	44	ci	ci	PROPN
fsr-3462	616	45	al	al	PROPN
fsr-3462	616	46	li	li	PROPN
fsr-3462	617	1	te	te	PROPN
fsr-3462	617	2	ra	ra	PROPN
fsr-3462	618	1	cy	cy	INTJ
fsr-3462	618	2	w	w	PROPN
fsr-3462	619	1	it	it	PRON
fsr-3462	620	1	h	h	NOUN
fsr-3462	621	1	p	p	X
fsr-3462	621	2	ar	ar	PROPN
fsr-3462	621	3	en	en	X
fsr-3462	621	4	ts	ts	ADP
fsr-3462	621	5	fi	fi	PROPN
fsr-3462	621	6	n	n	CCONJ
fsr-3462	622	1	an	an	DET
fsr-3462	622	2	ci	ci	NOUN
fsr-3462	622	3	al	al	PROPN
fsr-3462	622	4	ed	ed	PROPN
fsr-3462	622	5	u	u	PROPN
fsr-3462	622	6	ca	can	AUX
fsr-3462	622	7	ti	ti	NOUN
fsr-3462	622	8	o	o	PROPN
fsr-3462	622	9	n	n	X
fsr-3462	622	10	�	�	PROPN
fsr-3462	622	11	0	0	NUM
fsr-3462	622	12	.5	.5	NUM
fsr-3462	622	13	4	4	NUM
fsr-3462	622	14	8	8	NUM
fsr-3462	622	15	(	(	PUNCT
fsr-3462	622	16	0	0	NUM
fsr-3462	622	17	.0	.0	NUM
fsr-3462	622	18	7	7	NUM
fsr-3462	622	19	)	)	PUNCT
fsr-3462	622	20	*	*	PUNCT
fsr-3462	622	21	a	a	DET
fsr-3462	622	22	n	n	NOUN
fsr-3462	622	23	x	x	X
fsr-3462	622	24	ie	ie	ADV
fsr-3462	622	25	ty	ty	INTJ
fsr-3462	622	26	0	0	NUM
fsr-3462	622	27	.0	.0	NUM
fsr-3462	622	28	4	4	NUM
fsr-3462	622	29	1	1	NUM
fsr-3462	622	30	(	(	PUNCT
fsr-3462	622	31	0	0	NUM
fsr-3462	622	32	.7	.7	NUM
fsr-3462	622	33	4	4	NUM
fsr-3462	622	34	)	)	PUNCT
fsr-3462	623	1	o	o	NOUN
fsr-3462	623	2	v	v	ADP
fsr-3462	623	3	er	er	INTJ
fsr-3462	623	4	sp	sp	ADP
fsr-3462	623	5	en	en	X
fsr-3462	623	6	d	d	PROPN
fsr-3462	623	7	in	in	ADP
fsr-3462	623	8	g	g	PROPN
fsr-3462	623	9	�	�	PROPN
fsr-3462	623	10	0	0	NUM
fsr-3462	623	11	.0	.0	NUM
fsr-3462	623	12	7	7	NUM
fsr-3462	623	13	3	3	NUM
fsr-3462	623	14	(	(	PUNCT
fsr-3462	623	15	0	0	NUM
fsr-3462	623	16	.6	.6	NUM
fsr-3462	623	17	1	1	NUM
fsr-3462	623	18	)	)	PUNCT
fsr-3462	623	19	s	s	VERB
fsr-3462	623	20	u	u	NOUN
fsr-3462	623	21	rp	rp	PROPN
fsr-3462	623	22	ri	ri	PROPN
fsr-3462	623	23	se	se	PROPN
fsr-3462	623	24	d	d	PROPN
fsr-3462	623	25	�	�	PROPN
fsr-3462	623	26	0	0	PROPN
fsr-3462	623	27	.0	.0	NUM
fsr-3462	623	28	0	0	NUM
fsr-3462	623	29	3	3	NUM
fsr-3462	623	30	(	(	PUNCT
fsr-3462	623	31	0	0	NUM
fsr-3462	623	32	.9	.9	NUM
fsr-3462	623	33	8	8	NUM
fsr-3462	623	34	)	)	PUNCT
fsr-3462	624	1	n	n	PRON
fsr-3462	624	2	c	c	NOUN
fsr-3462	624	3	c	c	NOUN
fsr-3462	624	4	0	0	SYM
fsr-3462	625	1	.0	.0	NUM
fsr-3462	625	2	4	4	NUM
fsr-3462	625	3	6	6	NUM
fsr-3462	625	4	(	(	PUNCT
fsr-3462	625	5	0	0	NUM
fsr-3462	625	6	.7	.7	NUM
fsr-3462	625	7	0	0	NUM
fsr-3462	625	8	)	)	PUNCT
fsr-3462	626	1	o	o	NOUN
fsr-3462	626	2	b	b	X
fsr-3462	626	3	s	s	NOUN
fsr-3462	626	4	1	1	NUM
fsr-3462	626	5	5	5	NUM
fsr-3462	626	6	6	6	NUM
fsr-3462	626	7	1	1	NUM
fsr-3462	626	8	5	5	NUM
fsr-3462	626	9	6	6	NUM
fsr-3462	626	10	1	1	NUM
fsr-3462	626	11	5	5	NUM
fsr-3462	626	12	6	6	NUM
fsr-3462	626	13	1	1	NUM
fsr-3462	626	14	5	5	NUM
fsr-3462	626	15	6	6	NUM
fsr-3462	626	16	1	1	NUM
fsr-3462	626	17	5	5	NUM
fsr-3462	626	18	6	6	NUM
fsr-3462	626	19	p	p	NOUN
fsr-3462	626	20	se	se	X
fsr-3462	626	21	u	u	PROPN
fsr-3462	627	1	d	d	X
fsr-3462	627	2	o	o	NOUN
fsr-3462	627	3	r	r	NOUN
fsr-3462	627	4	2	2	NUM
fsr-3462	627	5	0	0	NUM
fsr-3462	627	6	.2	.2	NUM
fsr-3462	627	7	0	0	NUM
fsr-3462	627	8	9	9	NUM
fsr-3462	627	9	0	0	NUM
fsr-3462	627	10	.1	.1	NUM
fsr-3462	627	11	9	9	NUM
fsr-3462	627	12	8	8	NUM
fsr-3462	627	13	0	0	NUM
fsr-3462	627	14	.1	.1	NUM
fsr-3462	627	15	9	9	NUM
fsr-3462	627	16	8	8	NUM
fsr-3462	627	17	0	0	NUM
fsr-3462	627	18	.1	.1	NUM
fsr-3462	627	19	9	9	NUM
fsr-3462	627	20	7	7	NUM
fsr-3462	627	21	0	0	NUM
fsr-3462	627	22	.1	.1	NUM
fsr-3462	627	23	9	9	NUM
fsr-3462	627	24	8	8	NUM
fsr-3462	627	25	l	l	NOUN
fsr-3462	627	26	r	r	NOUN
fsr-3462	627	27	st	st	PROPN
fsr-3462	628	1	at	at	ADP
fsr-3462	628	2	is	be	AUX
fsr-3462	628	3	ti	ti	X
fsr-3462	628	4	c	c	NOUN
fsr-3462	628	5	6	6	NUM
fsr-3462	628	6	4	4	NUM
fsr-3462	628	7	.6	.6	NUM
fsr-3462	628	8	7	7	NUM
fsr-3462	628	9	4	4	NUM
fsr-3462	628	10	6	6	NUM
fsr-3462	628	11	1	1	NUM
fsr-3462	628	12	.2	.2	NUM
fsr-3462	628	13	1	1	NUM
fsr-3462	628	14	4	4	NUM
fsr-3462	628	15	6	6	NUM
fsr-3462	628	16	1	1	NUM
fsr-3462	628	17	.3	.3	NUM
fsr-3462	628	18	5	5	NUM
fsr-3462	628	19	9	9	NUM
fsr-3462	628	20	6	6	NUM
fsr-3462	628	21	1	1	NUM
fsr-3462	628	22	.1	.1	NUM
fsr-3462	628	23	0	0	NUM
fsr-3462	629	1	1	1	NUM
fsr-3462	629	2	1	1	NUM
fsr-3462	629	3	.7	.7	NUM
fsr-3462	629	4	2	2	NUM
fsr-3462	629	5	2	2	NUM
fsr-3462	629	6	p	p	NOUN
fsr-3462	629	7	ro	ro	PROPN
fsr-3462	629	8	b	b	PROPN
fsr-3462	629	9	ab	ab	PROPN
fsr-3462	629	10	il	il	PROPN
fsr-3462	629	11	it	it	PRON
fsr-3462	629	12	y	y	PROPN
fsr-3462	629	13	(	(	PUNCT
fsr-3462	629	14	l	l	NOUN
fsr-3462	629	15	r	r	NOUN
fsr-3462	629	16	st	st	PROPN
fsr-3462	629	17	at	at	ADP
fsr-3462	629	18	)	)	PUNCT
fsr-3462	629	19	(	(	PUNCT
fsr-3462	629	20	0	0	NUM
fsr-3462	629	21	.0	.0	NUM
fsr-3462	629	22	0	0	NUM
fsr-3462	629	23	1	1	NUM
fsr-3462	629	24	)	)	PUNCT
fsr-3462	629	25	*	*	PUNCT
fsr-3462	630	1	*	*	PUNCT
fsr-3462	630	2	*	*	PUNCT
fsr-3462	630	3	(	(	PUNCT
fsr-3462	630	4	0	0	NUM
fsr-3462	630	5	.0	.0	NUM
fsr-3462	630	6	0	0	NUM
fsr-3462	630	7	1	1	NUM
fsr-3462	630	8	)	)	PUNCT
fsr-3462	630	9	*	*	PUNCT
fsr-3462	631	1	*	*	PUNCT
fsr-3462	631	2	*	*	PUNCT
fsr-3462	631	3	(	(	PUNCT
fsr-3462	631	4	0	0	NUM
fsr-3462	631	5	.0	.0	NUM
fsr-3462	631	6	0	0	NUM
fsr-3462	631	7	1	1	NUM
fsr-3462	631	8	)	)	PUNCT
fsr-3462	631	9	*	*	PUNCT
fsr-3462	632	1	*	*	PUNCT
fsr-3462	632	2	*	*	PUNCT
fsr-3462	632	3	(	(	PUNCT
fsr-3462	632	4	0	0	NUM
fsr-3462	632	5	.0	.0	NUM
fsr-3462	632	6	0	0	NUM
fsr-3462	632	7	1	1	NUM
fsr-3462	632	8	)	)	PUNCT
fsr-3462	632	9	*	*	PUNCT
fsr-3462	633	1	*	*	PUNCT
fsr-3462	633	2	*	*	PUNCT
fsr-3462	633	3	(	(	PUNCT
fsr-3462	633	4	0	0	NUM
fsr-3462	633	5	.0	.0	NUM
fsr-3462	633	6	0	0	NUM
fsr-3462	633	7	1	1	NUM
fsr-3462	633	8	)	)	PUNCT
fsr-3462	633	9	*	*	PUNCT
fsr-3462	634	1	*	*	PUNCT
fsr-3462	634	2	*	*	PUNCT
fsr-3462	634	3	a	a	DET
fsr-3462	634	4	k	k	X
fsr-3462	634	5	ai	ai	VERB
fsr-3462	634	6	k	k	PROPN
fsr-3462	634	7	e	e	NOUN
fsr-3462	634	8	in	in	ADP
fsr-3462	634	9	fo	fo	ADP
fsr-3462	634	10	cr	cr	INTJ
fsr-3462	635	1	it	it	PRON
fsr-3462	635	2	er	er	INTJ
fsr-3462	635	3	io	io	X
fsr-3462	635	4	n	n	PROPN
fsr-3462	635	5	1	1	NUM
fsr-3462	635	6	.7	.7	NUM
fsr-3462	635	7	0	0	NUM
fsr-3462	635	8	0	0	NUM
fsr-3462	635	9	1	1	NUM
fsr-3462	635	10	.7	.7	NUM
fsr-3462	635	11	2	2	NUM
fsr-3462	635	12	2	2	NUM
fsr-3462	635	13	1	1	NUM
fsr-3462	635	14	.7	.7	NUM
fsr-3462	635	15	2	2	NUM
fsr-3462	635	16	1	1	NUM
fsr-3462	635	17	1	1	NUM
fsr-3462	635	18	.7	.7	NUM
fsr-3462	635	19	2	2	NUM
fsr-3462	635	20	3	3	NUM
fsr-3462	635	21	1	1	NUM
fsr-3462	635	22	.7	.7	NUM
fsr-3462	635	23	2	2	NUM
fsr-3462	635	24	2	2	NUM
fsr-3462	635	25	s	s	NOUN
fsr-3462	635	26	ch	ch	PROPN
fsr-3462	635	27	w	w	PROPN
fsr-3462	635	28	ar	ar	PROPN
fsr-3462	635	29	z	z	PROPN
fsr-3462	635	30	cr	cr	PROPN
fsr-3462	636	1	it	it	PRON
fsr-3462	636	2	er	er	INTJ
fsr-3462	636	3	io	io	X
fsr-3462	636	4	n	n	PROPN
fsr-3462	636	5	1	1	NUM
fsr-3462	636	6	.8	.8	PROPN
fsr-3462	636	7	9	9	NUM
fsr-3462	636	8	6	6	NUM
fsr-3462	636	9	1	1	NUM
fsr-3462	636	10	.9	.9	NUM
fsr-3462	636	11	1	1	NUM
fsr-3462	636	12	8	8	NUM
fsr-3462	636	13	1	1	NUM
fsr-3462	636	14	.9	.9	NUM
fsr-3462	636	15	1	1	NUM
fsr-3462	636	16	7	7	NUM
fsr-3462	636	17	1	1	NUM
fsr-3462	636	18	.9	.9	NUM
fsr-3462	636	19	1	1	NUM
fsr-3462	636	20	8	8	NUM
fsr-3462	636	21	1	1	NUM
fsr-3462	636	22	.9	.9	NUM
fsr-3462	636	23	1	1	NUM
fsr-3462	636	24	7	7	NUM
fsr-3462	636	25	h	h	NOUN
fsr-3462	636	26	an	an	PRON
fsr-3462	636	27	n	n	CCONJ
fsr-3462	636	28	an	an	DET
fsr-3462	636	29	-q	-q	X
fsr-3462	636	30	u	u	NOUN
fsr-3462	636	31	in	in	ADP
fsr-3462	636	32	n	n	DET
fsr-3462	636	33	cr	cr	NOUN
fsr-3462	636	34	it	it	PRON
fsr-3462	636	35	er	er	INTJ
fsr-3462	636	36	io	io	X
fsr-3462	636	37	n	n	PROPN
fsr-3462	636	38	1	1	NUM
fsr-3462	636	39	.7	.7	NUM
fsr-3462	636	40	7	7	NUM
fsr-3462	636	41	9	9	NUM
fsr-3462	636	42	1	1	NUM
fsr-3462	636	43	.8	.8	NUM
fsr-3462	636	44	0	0	NUM
fsr-3462	636	45	2	2	NUM
fsr-3462	636	46	1	1	NUM
fsr-3462	636	47	.8	.8	NUM
fsr-3462	636	48	0	0	NUM
fsr-3462	636	49	1	1	NUM
fsr-3462	636	50	1	1	NUM
fsr-3462	636	51	.8	.8	NUM
fsr-3462	636	52	0	0	NUM
fsr-3462	636	53	2	2	NUM
fsr-3462	636	54	1	1	NUM
fsr-3462	636	55	.8	.8	NUM
fsr-3462	636	56	0	0	NUM
fsr-3462	636	57	1	1	NUM
fsr-3462	636	58	n	n	NUM
fsr-3462	636	59	o	o	X
fsr-3462	636	60	te	te	X
fsr-3462	636	61	:	:	PUNCT
fsr-3462	637	1	*	*	PUNCT
fsr-3462	637	2	*	*	PUNCT
fsr-3462	637	3	*	*	PUNCT
fsr-3462	637	4	,	,	PUNCT
fsr-3462	637	5	*	*	PUNCT
fsr-3462	637	6	*	*	PUNCT
fsr-3462	637	7	,	,	PUNCT
fsr-3462	637	8	*	*	PUNCT
fsr-3462	637	9	st	st	PROPN
fsr-3462	638	1	at	at	ADP
fsr-3462	638	2	is	be	AUX
fsr-3462	638	3	ti	ti	NOUN
fsr-3462	638	4	ca	can	AUX
fsr-3462	638	5	ll	ll	VERB
fsr-3462	638	6	y	y	PROPN
fsr-3462	638	7	si	si	PROPN
fsr-3462	638	8	g	g	PROPN
fsr-3462	638	9	n	n	PROPN
fsr-3462	638	10	ifi	ifi	PROPN
fsr-3462	638	11	ca	ca	PROPN
fsr-3462	638	12	n	n	ADV
fsr-3462	638	13	t	t	PROPN
fsr-3462	638	14	at	at	ADP
fsr-3462	638	15	th	th	X
fsr-3462	638	16	e	e	ADP
fsr-3462	638	17	1	1	NUM
fsr-3462	638	18	%	%	NOUN
fsr-3462	638	19	,	,	PUNCT
fsr-3462	638	20	5	5	NUM
fsr-3462	638	21	%	%	NOUN
fsr-3462	638	22	,	,	PUNCT
fsr-3462	638	23	an	an	DET
fsr-3462	638	24	d	d	NOUN
fsr-3462	638	25	1	1	NUM
fsr-3462	638	26	0	0	NUM
fsr-3462	638	27	%	%	NOUN
fsr-3462	638	28	le	le	X
fsr-3462	639	1	v	v	PROPN
fsr-3462	639	2	el	el	PROPN
fsr-3462	639	3	,	,	PUNCT
fsr-3462	639	4	re	re	VERB
fsr-3462	639	5	sp	sp	ADP
fsr-3462	639	6	ec	ec	PROPN
fsr-3462	639	7	ti	ti	PROPN
fsr-3462	639	8	v	v	PROPN
fsr-3462	639	9	el	el	PROPN
fsr-3462	639	10	y	y	PROPN
fsr-3462	639	11	.	.	PUNCT
fsr-3462	640	1	268	268	NUM
fsr-3462	640	2	g.	g.	PROPN
fsr-3462	640	3	barboza	barboza	PROPN
fsr-3462	640	4	et	et	PROPN
fsr-3462	640	5	al	al	PROPN
fsr-3462	640	6	.	.	PUNCT
fsr-3462	640	7	/	/	SYM
fsr-3462	640	8	financial	financial	ADJ
fsr-3462	640	9	services	service	NOUN
fsr-3462	640	10	review	review	VERB
fsr-3462	640	11	29	29	NUM
fsr-3462	640	12	(	(	PUNCT
fsr-3462	640	13	2021	2021	NUM
fsr-3462	640	14	)	)	PUNCT
fsr-3462	640	15	247–276	247–276	NUM
fsr-3462	640	16	financial	financial	ADJ
fsr-3462	640	17	knowledge	knowledge	NOUN
fsr-3462	640	18	derived	derive	VERB
fsr-3462	640	19	from	from	ADP
fsr-3462	640	20	parents	parent	NOUN
fsr-3462	640	21	has	have	VERB
fsr-3462	640	22	a	a	DET
fsr-3462	640	23	strong	strong	ADJ
fsr-3462	640	24	positive	positive	ADJ
fsr-3462	640	25	effect	effect	NOUN
fsr-3462	640	26	on	on	ADP
fsr-3462	640	27	individuals	individual	NOUN
fsr-3462	640	28	’	'	PUNCT
fsr-3462	640	29	financial	financial	ADJ
fsr-3462	640	30	behavior	behavior	NOUN
fsr-3462	640	31	especially	especially	ADV
fsr-3462	640	32	for	for	ADP
fsr-3462	640	33	people	people	NOUN
fsr-3462	640	34	characterized	characterize	VERB
fsr-3462	640	35	by	by	ADP
fsr-3462	640	36	a	a	DET
fsr-3462	640	37	relevant	relevant	ADJ
fsr-3462	640	38	financial	financial	ADJ
fsr-3462	640	39	illiteracy	illiteracy	NOUN
fsr-3462	640	40	.	.	PUNCT
fsr-3462	641	1	based	base	VERB
fsr-3462	641	2	on	on	ADP
fsr-3462	641	3	the	the	DET
fsr-3462	641	4	findings	finding	NOUN
fsr-3462	641	5	from	from	ADP
fsr-3462	641	6	the	the	DET
fsr-3462	641	7	interaction	interaction	NOUN
fsr-3462	641	8	effects	effect	NOUN
fsr-3462	641	9	models	model	NOUN
fsr-3462	641	10	,	,	PUNCT
fsr-3462	641	11	and	and	CCONJ
fsr-3462	641	12	the	the	DET
fsr-3462	641	13	corresponding	corresponding	ADJ
fsr-3462	641	14	superiority	superiority	NOUN
fsr-3462	641	15	of	of	ADP
fsr-3462	641	16	models	model	NOUN
fsr-3462	641	17	1	1	NUM
fsr-3462	641	18	,	,	PUNCT
fsr-3462	641	19	in	in	ADP
fsr-3462	641	20	tables	table	NOUN
fsr-3462	641	21	6	6	NUM
fsr-3462	641	22	,	,	PUNCT
fsr-3462	641	23	6a	6a	NOUN
fsr-3462	641	24	,	,	PUNCT
fsr-3462	641	25	and	and	CCONJ
fsr-3462	641	26	6b	6b	NOUN
fsr-3462	641	27	,	,	PUNCT
fsr-3462	641	28	we	we	PRON
fsr-3462	641	29	decided	decide	VERB
fsr-3462	641	30	to	to	PART
fsr-3462	641	31	use	use	VERB
fsr-3462	641	32	these	these	DET
fsr-3462	641	33	series	series	NOUN
fsr-3462	641	34	of	of	ADP
fsr-3462	641	35	models	model	NOUN
fsr-3462	641	36	to	to	PART
fsr-3462	641	37	compute	compute	VERB
fsr-3462	641	38	the	the	DET
fsr-3462	641	39	marginal	marginal	ADJ
fsr-3462	641	40	effects	effect	NOUN
fsr-3462	641	41	and	and	CCONJ
fsr-3462	641	42	corresponding	corresponding	ADJ
fsr-3462	641	43	probabilities	probability	NOUN
fsr-3462	641	44	.	.	PUNCT
fsr-3462	642	1	we	we	PRON
fsr-3462	642	2	present	present	VERB
fsr-3462	642	3	the	the	DET
fsr-3462	642	4	overall	overall	ADJ
fsr-3462	642	5	probabilities	probability	NOUN
fsr-3462	642	6	for	for	ADP
fsr-3462	642	7	each	each	DET
fsr-3462	642	8	model	model	NOUN
fsr-3462	642	9	in	in	ADP
fsr-3462	642	10	table	table	NOUN
fsr-3462	642	11	7	7	NUM
fsr-3462	642	12	,	,	PUNCT
fsr-3462	642	13	followed	follow	VERB
fsr-3462	642	14	by	by	ADP
fsr-3462	642	15	the	the	DET
fsr-3462	642	16	computation	computation	NOUN
fsr-3462	642	17	of	of	ADP
fsr-3462	642	18	the	the	DET
fsr-3462	642	19	marginal	marginal	ADJ
fsr-3462	642	20	changes	change	NOUN
fsr-3462	642	21	in	in	ADP
fsr-3462	642	22	the	the	DET
fsr-3462	642	23	overall	overall	ADJ
fsr-3462	642	24	probabilities	probability	NOUN
fsr-3462	642	25	when	when	SCONJ
fsr-3462	642	26	the	the	DET
fsr-3462	642	27	independent	independent	ADJ
fsr-3462	642	28	variables	variable	NOUN
fsr-3462	642	29	change	change	VERB
fsr-3462	642	30	by	by	ADP
fsr-3462	642	31	one	one	NUM
fsr-3462	642	32	unit	unit	NOUN
fsr-3462	642	33	.	.	PUNCT
fsr-3462	643	1	it	it	PRON
fsr-3462	643	2	is	be	AUX
fsr-3462	643	3	also	also	ADV
fsr-3462	643	4	relevant	relevant	ADJ
fsr-3462	643	5	to	to	PART
fsr-3462	643	6	note	note	VERB
fsr-3462	643	7	that	that	SCONJ
fsr-3462	643	8	the	the	DET
fsr-3462	643	9	estimated	estimate	VERB
fsr-3462	643	10	probabilities	probability	NOUN
fsr-3462	643	11	are	be	AUX
fsr-3462	643	12	computed	compute	VERB
fsr-3462	643	13	at	at	ADP
fsr-3462	643	14	the	the	DET
fsr-3462	643	15	mean	mean	ADJ
fsr-3462	643	16	value	value	NOUN
fsr-3462	643	17	of	of	ADP
fsr-3462	643	18	the	the	DET
fsr-3462	643	19	independent	independent	ADJ
fsr-3462	643	20	variables	variable	NOUN
fsr-3462	643	21	.	.	PUNCT
fsr-3462	644	1	for	for	ADP
fsr-3462	644	2	the	the	DET
fsr-3462	644	3	especial	especial	ADJ
fsr-3462	644	4	case	case	NOUN
fsr-3462	644	5	of	of	ADP
fsr-3462	644	6	the	the	DET
fsr-3462	644	7	fepar	fepar	NOUN
fsr-3462	644	8	variable	variable	NOUN
fsr-3462	644	9	(	(	PUNCT
fsr-3462	644	10	dummy	dummy	NOUN
fsr-3462	644	11	1,0	1,0	NUM
fsr-3462	644	12	)	)	PUNCT
fsr-3462	644	13	we	we	PRON
fsr-3462	644	14	compute	compute	VERB
fsr-3462	644	15	the	the	DET
fsr-3462	644	16	marginal	marginal	ADJ
fsr-3462	644	17	effects	effect	NOUN
fsr-3462	644	18	by	by	ADP
fsr-3462	644	19	taking	take	VERB
fsr-3462	644	20	the	the	DET
fsr-3462	644	21	difference	difference	NOUN
fsr-3462	644	22	between	between	ADP
fsr-3462	644	23	the	the	DET
fsr-3462	644	24	overall	overall	ADJ
fsr-3462	644	25	probabilities	probability	NOUN
fsr-3462	644	26	when	when	SCONJ
fsr-3462	644	27	fepar	fepar	NOUN
fsr-3462	644	28	=	=	SYM
fsr-3462	644	29	1	1	NUM
fsr-3462	644	30	,	,	PUNCT
fsr-3462	644	31	minus	minus	CCONJ
fsr-3462	644	32	fepar	fepar	NOUN
fsr-3462	644	33	=	=	SYM
fsr-3462	645	1	0	0	X
fsr-3462	645	2	.	.	PUNCT
fsr-3462	646	1	there	there	PRON
fsr-3462	646	2	are	be	VERB
fsr-3462	646	3	several	several	ADJ
fsr-3462	646	4	interesting	interesting	ADJ
fsr-3462	646	5	results	result	NOUN
fsr-3462	646	6	that	that	PRON
fsr-3462	646	7	spring	spring	VERB
fsr-3462	646	8	out	out	ADP
fsr-3462	646	9	the	the	DET
fsr-3462	646	10	analysis	analysis	NOUN
fsr-3462	646	11	of	of	ADP
fsr-3462	646	12	table	table	NOUN
fsr-3462	646	13	7	7	NUM
fsr-3462	646	14	.	.	X
fsr-3462	647	1	for	for	ADP
fsr-3462	647	2	instance	instance	NOUN
fsr-3462	647	3	,	,	PUNCT
fsr-3462	647	4	the	the	DET
fsr-3462	647	5	first	first	ADJ
fsr-3462	647	6	element	element	NOUN
fsr-3462	647	7	to	to	PART
fsr-3462	647	8	notice	notice	VERB
fsr-3462	647	9	is	be	AUX
fsr-3462	647	10	that	that	SCONJ
fsr-3462	647	11	all	all	DET
fsr-3462	647	12	probabilities	probability	NOUN
fsr-3462	647	13	are	be	AUX
fsr-3462	647	14	very	very	ADV
fsr-3462	647	15	similar	similar	ADJ
fsr-3462	647	16	across	across	ADP
fsr-3462	647	17	alternative	alternative	ADJ
fsr-3462	647	18	models	model	NOUN
fsr-3462	647	19	of	of	ADP
fsr-3462	647	20	financial	financial	ADJ
fsr-3462	647	21	(	(	PUNCT
fsr-3462	647	22	il)literacy	il)literacy	NOUN
fsr-3462	647	23	with	with	ADP
fsr-3462	647	24	the	the	DET
fsr-3462	647	25	probability	probability	NOUN
fsr-3462	647	26	to	to	ADP
fsr-3462	647	27	paying	pay	VERB
fsr-3462	647	28	in	in	ADP
fsr-3462	647	29	full	full	ADJ
fsr-3462	647	30	being	being	NOUN
fsr-3462	647	31	in	in	ADP
fsr-3462	647	32	the	the	DET
fsr-3462	647	33	range	range	NOUN
fsr-3462	647	34	of	of	ADP
fsr-3462	647	35	67.27	67.27	NUM
fsr-3462	647	36	(	(	PUNCT
fsr-3462	647	37	dnk	dnk	NOUN
fsr-3462	647	38	answers	answer	NOUN
fsr-3462	647	39	–	–	PUNCT
fsr-3462	647	40	level	level	NOUN
fsr-3462	647	41	b	b	NOUN
fsr-3462	647	42	)	)	PUNCT
fsr-3462	647	43	to	to	ADP
fsr-3462	647	44	68.82	68.82	NUM
fsr-3462	647	45	%	%	NOUN
fsr-3462	647	46	(	(	PUNCT
fsr-3462	647	47	incorrect	incorrect	ADJ
fsr-3462	647	48	answers	answer	NOUN
fsr-3462	647	49	–	–	PUNCT
fsr-3462	647	50	level	level	NOUN
fsr-3462	647	51	a	a	NOUN
fsr-3462	647	52	)	)	PUNCT
fsr-3462	647	53	,	,	PUNCT
fsr-3462	647	54	with	with	ADP
fsr-3462	647	55	67.55	67.55	NUM
fsr-3462	647	56	%	%	NOUN
fsr-3462	647	57	(	(	PUNCT
fsr-3462	647	58	correct	correct	ADJ
fsr-3462	647	59	answers	answer	NOUN
fsr-3462	647	60	)	)	PUNCT
fsr-3462	647	61	.	.	PUNCT
fsr-3462	648	1	and	and	CCONJ
fsr-3462	648	2	the	the	DET
fsr-3462	648	3	rest	rest	NOUN
fsr-3462	648	4	of	of	ADP
fsr-3462	648	5	probabilities	probability	NOUN
fsr-3462	648	6	being	be	AUX
fsr-3462	648	7	almost	almost	ADV
fsr-3462	648	8	identical	identical	ADJ
fsr-3462	648	9	for	for	ADP
fsr-3462	648	10	the	the	DET
fsr-3462	648	11	other	other	ADJ
fsr-3462	648	12	ranges	range	NOUN
fsr-3462	648	13	across	across	ADP
fsr-3462	648	14	models	model	NOUN
fsr-3462	648	15	.	.	PUNCT
fsr-3462	649	1	in	in	ADP
fsr-3462	649	2	other	other	ADJ
fsr-3462	649	3	words	word	NOUN
fsr-3462	649	4	,	,	PUNCT
fsr-3462	649	5	when	when	SCONJ
fsr-3462	649	6	evaluated	evaluate	VERB
fsr-3462	649	7	at	at	ADP
fsr-3462	649	8	the	the	DET
fsr-3462	649	9	mean	mean	ADJ
fsr-3462	649	10	values	value	NOUN
fsr-3462	649	11	,	,	PUNCT
fsr-3462	649	12	we	we	PRON
fsr-3462	649	13	observe	observe	VERB
fsr-3462	649	14	very	very	ADV
fsr-3462	649	15	little	little	ADJ
fsr-3462	649	16	discrepancies	discrepancy	NOUN
fsr-3462	649	17	across	across	ADP
fsr-3462	649	18	alternative	alternative	ADJ
fsr-3462	649	19	models	model	NOUN
fsr-3462	649	20	,	,	PUNCT
fsr-3462	649	21	when	when	SCONJ
fsr-3462	649	22	the	the	DET
fsr-3462	649	23	only	only	ADJ
fsr-3462	649	24	difference	difference	NOUN
fsr-3462	649	25	is	be	AUX
fsr-3462	649	26	based	base	VERB
fsr-3462	649	27	on	on	ADP
fsr-3462	649	28	the	the	DET
fsr-3462	649	29	level	level	NOUN
fsr-3462	649	30	of	of	ADP
fsr-3462	649	31	financial	financial	ADJ
fsr-3462	649	32	(	(	PUNCT
fsr-3462	649	33	il	il	NOUN
fsr-3462	649	34	)	)	PUNCT
fsr-3462	649	35	literacy	literacy	NOUN
fsr-3462	649	36	.	.	PUNCT
fsr-3462	650	1	this	this	DET
fsr-3462	650	2	result	result	NOUN
fsr-3462	650	3	on	on	ADP
fsr-3462	650	4	itself	itself	PRON
fsr-3462	650	5	is	be	AUX
fsr-3462	650	6	surprising	surprising	ADJ
fsr-3462	650	7	,	,	PUNCT
fsr-3462	650	8	as	as	SCONJ
fsr-3462	650	9	one	one	PRON
fsr-3462	650	10	would	would	AUX
fsr-3462	650	11	expect	expect	VERB
fsr-3462	650	12	that	that	SCONJ
fsr-3462	650	13	different	different	ADJ
fsr-3462	650	14	levels	level	NOUN
fsr-3462	650	15	of	of	ADP
fsr-3462	650	16	financial	financial	ADJ
fsr-3462	650	17	(	(	PUNCT
fsr-3462	650	18	il)literacy	il)literacy	NOUN
fsr-3462	650	19	would	would	AUX
fsr-3462	650	20	yield	yield	VERB
fsr-3462	650	21	much	much	ADV
fsr-3462	650	22	larger	large	ADJ
fsr-3462	650	23	differences	difference	NOUN
fsr-3462	650	24	in	in	ADP
fsr-3462	650	25	repayment	repayment	NOUN
fsr-3462	650	26	patterns	pattern	NOUN
fsr-3462	650	27	.	.	PUNCT
fsr-3462	651	1	secondly	secondly	ADV
fsr-3462	651	2	,	,	PUNCT
fsr-3462	651	3	when	when	SCONJ
fsr-3462	651	4	we	we	PRON
fsr-3462	651	5	look	look	VERB
fsr-3462	651	6	at	at	ADP
fsr-3462	651	7	the	the	DET
fsr-3462	651	8	changes	change	NOUN
fsr-3462	651	9	in	in	ADP
fsr-3462	651	10	probabilities	probability	NOUN
fsr-3462	651	11	due	due	ADP
fsr-3462	651	12	to	to	ADP
fsr-3462	651	13	variations	variation	NOUN
fsr-3462	651	14	in	in	ADP
fsr-3462	651	15	rhs	rhs	PROPN
fsr-3462	651	16	variables	variable	NOUN
fsr-3462	651	17	,	,	PUNCT
fsr-3462	651	18	we	we	PRON
fsr-3462	651	19	now	now	ADV
fsr-3462	651	20	observe	observe	VERB
fsr-3462	651	21	potentially	potentially	ADV
fsr-3462	651	22	large	large	ADJ
fsr-3462	651	23	differences	difference	NOUN
fsr-3462	651	24	across	across	ADP
fsr-3462	651	25	models	model	NOUN
fsr-3462	651	26	.	.	PUNCT
fsr-3462	652	1	the	the	DET
fsr-3462	652	2	first	first	ADJ
fsr-3462	652	3	effect	effect	NOUN
fsr-3462	652	4	to	to	PART
fsr-3462	652	5	study	study	VERB
fsr-3462	652	6	here	here	ADV
fsr-3462	652	7	is	be	AUX
fsr-3462	652	8	that	that	PRON
fsr-3462	652	9	of	of	ADP
fsr-3462	652	10	fepar	fepar	NOUN
fsr-3462	652	11	.	.	PUNCT
fsr-3462	653	1	notice	notice	VERB
fsr-3462	653	2	that	that	SCONJ
fsr-3462	653	3	the	the	DET
fsr-3462	653	4	effect	effect	NOUN
fsr-3462	653	5	of	of	ADP
fsr-3462	653	6	this	this	DET
fsr-3462	653	7	dummy	dummy	ADJ
fsr-3462	653	8	variable	variable	NOUN
fsr-3462	653	9	has	have	VERB
fsr-3462	653	10	a	a	DET
fsr-3462	653	11	significant	significant	ADJ
fsr-3462	653	12	marginal	marginal	ADJ
fsr-3462	653	13	effect	effect	NOUN
fsr-3462	653	14	on	on	ADP
fsr-3462	653	15	the	the	DET
fsr-3462	653	16	probability	probability	NOUN
fsr-3462	653	17	of	of	ADP
fsr-3462	653	18	repaying	repay	VERB
fsr-3462	653	19	in	in	ADP
fsr-3462	653	20	full	full	ADJ
fsr-3462	653	21	and	and	CCONJ
fsr-3462	653	22	has	have	VERB
fsr-3462	653	23	the	the	DET
fsr-3462	653	24	largest	large	ADJ
fsr-3462	653	25	effect	effect	NOUN
fsr-3462	653	26	of	of	ADP
fsr-3462	653	27	all	all	DET
fsr-3462	653	28	variables	variable	NOUN
fsr-3462	653	29	.	.	PUNCT
fsr-3462	654	1	in	in	ADP
fsr-3462	654	2	this	this	DET
fsr-3462	654	3	sense	sense	NOUN
fsr-3462	654	4	,	,	PUNCT
fsr-3462	654	5	we	we	PRON
fsr-3462	654	6	also	also	ADV
fsr-3462	654	7	observe	observe	VERB
fsr-3462	654	8	that	that	SCONJ
fsr-3462	654	9	those	those	DET
fsr-3462	654	10	suffering	suffer	VERB
fsr-3462	654	11	the	the	DET
fsr-3462	654	12	most	most	ADJ
fsr-3462	654	13	from	from	ADP
fsr-3462	654	14	level	level	NOUN
fsr-3462	654	15	b	b	PROPN
fsr-3462	654	16	financial	financial	ADJ
fsr-3462	654	17	illiteracy	illiteracy	NOUN
fsr-3462	654	18	are	be	AUX
fsr-3462	654	19	the	the	DET
fsr-3462	654	20	group	group	NOUN
fsr-3462	654	21	that	that	PRON
fsr-3462	654	22	would	would	AUX
fsr-3462	654	23	benefit	benefit	VERB
fsr-3462	654	24	the	the	DET
fsr-3462	654	25	most	most	ADJ
fsr-3462	654	26	with	with	ADP
fsr-3462	654	27	an	an	DET
fsr-3462	654	28	increase	increase	NOUN
fsr-3462	654	29	learning	learn	VERB
fsr-3462	654	30	deriving	derive	VERB
fsr-3462	654	31	from	from	ADP
fsr-3462	654	32	their	their	PRON
fsr-3462	654	33	parents	parent	NOUN
fsr-3462	654	34	.	.	PUNCT
fsr-3462	655	1	the	the	DET
fsr-3462	655	2	counter	counter	PROPN
fsr-3462	655	3	result	result	NOUN
fsr-3462	655	4	indicates	indicate	VERB
fsr-3462	655	5	that	that	SCONJ
fsr-3462	655	6	those	those	PRON
fsr-3462	655	7	suffering	suffer	VERB
fsr-3462	655	8	from	from	ADP
fsr-3462	655	9	level	level	NOUN
fsr-3462	655	10	a	a	DET
fsr-3462	655	11	financial	financial	ADJ
fsr-3462	655	12	illiteracy	illiteracy	NOUN
fsr-3462	655	13	would	would	AUX
fsr-3462	655	14	still	still	ADV
fsr-3462	655	15	benefit	benefit	VERB
fsr-3462	655	16	from	from	ADP
fsr-3462	655	17	further	further	ADJ
fsr-3462	655	18	interaction	interaction	NOUN
fsr-3462	655	19	with	with	ADP
fsr-3462	655	20	their	their	PRON
fsr-3462	655	21	parents	parent	NOUN
fsr-3462	655	22	as	as	ADP
fsr-3462	655	23	the	the	DET
fsr-3462	655	24	main	main	ADJ
fsr-3462	655	25	source	source	NOUN
fsr-3462	655	26	of	of	ADP
fsr-3462	655	27	financial	financial	ADJ
fsr-3462	655	28	literacy	literacy	NOUN
fsr-3462	655	29	but	but	CCONJ
fsr-3462	655	30	with	with	ADP
fsr-3462	655	31	the	the	DET
fsr-3462	655	32	smallest	small	ADJ
fsr-3462	655	33	effect	effect	NOUN
fsr-3462	655	34	among	among	ADP
fsr-3462	655	35	the	the	DET
fsr-3462	655	36	three	three	NUM
fsr-3462	655	37	possible	possible	ADJ
fsr-3462	655	38	groups	group	NOUN
fsr-3462	655	39	.	.	PUNCT
fsr-3462	656	1	in	in	ADP
fsr-3462	656	2	addition	addition	NOUN
fsr-3462	656	3	,	,	PUNCT
fsr-3462	656	4	the	the	DET
fsr-3462	656	5	counter	counter	ADJ
fsr-3462	656	6	result	result	NOUN
fsr-3462	656	7	of	of	ADP
fsr-3462	656	8	variations	variation	NOUN
fsr-3462	656	9	in	in	ADP
fsr-3462	656	10	the	the	DET
fsr-3462	656	11	fepar	fepar	NOUN
fsr-3462	656	12	variable	variable	NOUN
fsr-3462	656	13	indicate	indicate	VERB
fsr-3462	656	14	that	that	SCONJ
fsr-3462	656	15	both	both	DET
fsr-3462	656	16	level	level	NOUN
fsr-3462	656	17	b	b	PROPN
fsr-3462	656	18	financial	financial	ADJ
fsr-3462	656	19	illiteracy	illiteracy	NOUN
fsr-3462	656	20	and	and	CCONJ
fsr-3462	656	21	those	those	PRON
fsr-3462	656	22	answering	answer	VERB
fsr-3462	656	23	correctly	correctly	ADV
fsr-3462	656	24	would	would	AUX
fsr-3462	656	25	be	be	AUX
fsr-3462	656	26	the	the	DET
fsr-3462	656	27	groups	group	NOUN
fsr-3462	656	28	that	that	PRON
fsr-3462	656	29	would	would	AUX
fsr-3462	656	30	suffer	suffer	VERB
fsr-3462	656	31	the	the	DET
fsr-3462	656	32	most	most	ADJ
fsr-3462	656	33	in	in	ADP
fsr-3462	656	34	their	their	PRON
fsr-3462	656	35	repayment	repayment	NOUN
fsr-3462	656	36	capabilities	capability	NOUN
fsr-3462	656	37	should	should	AUX
fsr-3462	656	38	fepar	fepar	VERB
fsr-3462	656	39	were	be	AUX
fsr-3462	656	40	not	not	PART
fsr-3462	656	41	to	to	PART
fsr-3462	656	42	be	be	AUX
fsr-3462	656	43	the	the	DET
fsr-3462	656	44	main	main	ADJ
fsr-3462	656	45	source	source	NOUN
fsr-3462	656	46	of	of	ADP
fsr-3462	656	47	financial	financial	ADJ
fsr-3462	656	48	literacy	literacy	NOUN
fsr-3462	656	49	as	as	SCONJ
fsr-3462	656	50	reflected	reflect	VERB
fsr-3462	656	51	by	by	ADP
fsr-3462	656	52	the	the	DET
fsr-3462	656	53	negative	negative	ADJ
fsr-3462	656	54	sign	sign	NOUN
fsr-3462	656	55	of	of	ADP
fsr-3462	656	56	the	the	DET
fsr-3462	656	57	probability	probability	NOUN
fsr-3462	656	58	changes	change	NOUN
fsr-3462	656	59	for	for	ADP
fsr-3462	656	60	the	the	DET
fsr-3462	656	61	remaining	remain	VERB
fsr-3462	656	62	categories	category	NOUN
fsr-3462	656	63	.	.	PUNCT
fsr-3462	657	1	the	the	DET
fsr-3462	657	2	fourth	fourth	ADJ
fsr-3462	657	3	element	element	NOUN
fsr-3462	657	4	that	that	PRON
fsr-3462	657	5	we	we	PRON
fsr-3462	657	6	pay	pay	VERB
fsr-3462	657	7	attention	attention	NOUN
fsr-3462	657	8	in	in	ADP
fsr-3462	657	9	this	this	DET
fsr-3462	657	10	analysis	analysis	NOUN
fsr-3462	657	11	is	be	AUX
fsr-3462	657	12	the	the	DET
fsr-3462	657	13	effect	effect	NOUN
fsr-3462	657	14	of	of	ADP
fsr-3462	657	15	changes	change	NOUN
fsr-3462	657	16	in	in	ADP
fsr-3462	657	17	the	the	DET
fsr-3462	657	18	level	level	NOUN
fsr-3462	657	19	of	of	ADP
fsr-3462	657	20	overspending	overspending	NOUN
fsr-3462	657	21	.	.	PUNCT
fsr-3462	658	1	in	in	ADP
fsr-3462	658	2	this	this	DET
fsr-3462	658	3	case	case	NOUN
fsr-3462	658	4	,	,	PUNCT
fsr-3462	658	5	we	we	PRON
fsr-3462	658	6	observe	observe	VERB
fsr-3462	658	7	that	that	SCONJ
fsr-3462	658	8	changes	change	NOUN
fsr-3462	658	9	in	in	ADP
fsr-3462	658	10	overspending	overspending	NOUN
fsr-3462	658	11	have	have	VERB
fsr-3462	658	12	the	the	DET
fsr-3462	658	13	second	second	ADV
fsr-3462	658	14	largest	large	ADJ
fsr-3462	658	15	effect	effect	NOUN
fsr-3462	658	16	of	of	ADP
fsr-3462	658	17	all	all	DET
fsr-3462	658	18	variables	variable	NOUN
fsr-3462	658	19	.	.	PUNCT
fsr-3462	659	1	more	more	ADV
fsr-3462	659	2	specifically	specifically	ADV
fsr-3462	659	3	,	,	PUNCT
fsr-3462	659	4	an	an	DET
fsr-3462	659	5	increase	increase	NOUN
fsr-3462	659	6	of	of	ADP
fsr-3462	659	7	one	one	NUM
fsr-3462	659	8	unit	unit	NOUN
fsr-3462	659	9	in	in	ADP
fsr-3462	659	10	overspending	overspending	NOUN
fsr-3462	659	11	(	(	PUNCT
fsr-3462	659	12	following	follow	VERB
fsr-3462	659	13	the	the	DET
fsr-3462	659	14	stated	state	VERB
fsr-3462	659	15	categories	category	NOUN
fsr-3462	659	16	in	in	ADP
fsr-3462	659	17	the	the	DET
fsr-3462	659	18	descriptive	descriptive	ADJ
fsr-3462	659	19	statistics	statistic	NOUN
fsr-3462	659	20	)	)	PUNCT
fsr-3462	659	21	have	have	VERB
fsr-3462	659	22	a	a	DET
fsr-3462	659	23	negative	negative	ADJ
fsr-3462	659	24	effect	effect	NOUN
fsr-3462	659	25	in	in	ADP
fsr-3462	659	26	repayment	repayment	NOUN
fsr-3462	659	27	capabilities	capability	NOUN
fsr-3462	659	28	of	of	ADP
fsr-3462	659	29	about	about	ADV
fsr-3462	659	30	20	20	NUM
fsr-3462	659	31	%	%	NOUN
fsr-3462	659	32	decrease	decrease	NOUN
fsr-3462	659	33	in	in	ADP
fsr-3462	659	34	repayment	repayment	NOUN
fsr-3462	659	35	in	in	ADP
fsr-3462	659	36	full	full	ADJ
fsr-3462	659	37	;	;	PUNCT
fsr-3462	659	38	and	and	CCONJ
fsr-3462	659	39	incidentally	incidentally	ADV
fsr-3462	659	40	an	an	DET
fsr-3462	659	41	increase	increase	NOUN
fsr-3462	659	42	in	in	ADP
fsr-3462	659	43	all	all	DET
fsr-3462	659	44	other	other	ADJ
fsr-3462	659	45	repayment	repayment	NOUN
fsr-3462	659	46	categories	category	NOUN
fsr-3462	659	47	with	with	ADP
fsr-3462	659	48	paying	pay	VERB
fsr-3462	659	49	less	less	ADJ
fsr-3462	659	50	than	than	ADP
fsr-3462	659	51	full	full	ADJ
fsr-3462	659	52	balance	balance	NOUN
fsr-3462	659	53	every	every	DET
fsr-3462	659	54	month	month	NOUN
fsr-3462	659	55	being	be	AUX
fsr-3462	659	56	the	the	DET
fsr-3462	659	57	most	most	ADV
fsr-3462	659	58	affected	affected	ADJ
fsr-3462	659	59	.	.	PUNCT
fsr-3462	660	1	in	in	ADP
fsr-3462	660	2	this	this	DET
fsr-3462	660	3	sense	sense	NOUN
fsr-3462	660	4	,	,	PUNCT
fsr-3462	660	5	a	a	DET
fsr-3462	660	6	marginal	marginal	ADJ
fsr-3462	660	7	change	change	NOUN
fsr-3462	660	8	in	in	ADP
fsr-3462	660	9	overspending	overspending	NOUN
fsr-3462	660	10	patterns	pattern	NOUN
fsr-3462	660	11	,	,	PUNCT
fsr-3462	660	12	results	result	NOUN
fsr-3462	660	13	in	in	ADP
fsr-3462	660	14	a	a	DET
fsr-3462	660	15	large	large	ADJ
fsr-3462	660	16	increase	increase	NOUN
fsr-3462	660	17	in	in	ADP
fsr-3462	660	18	month	month	NOUN
fsr-3462	660	19	-	-	PUNCT
fsr-3462	660	20	to	to	ADP
fsr-3462	660	21	-	-	PUNCT
fsr-3462	660	22	month	month	NOUN
fsr-3462	660	23	debt	debt	NOUN
fsr-3462	660	24	accumulation	accumulation	NOUN
fsr-3462	660	25	and	and	CCONJ
fsr-3462	660	26	falling	fall	VERB
fsr-3462	660	27	behind	behind	ADV
fsr-3462	660	28	in	in	ADP
fsr-3462	660	29	repayment	repayment	NOUN
fsr-3462	660	30	patterns	pattern	NOUN
fsr-3462	660	31	.	.	PUNCT
fsr-3462	661	1	furthermore	furthermore	ADV
fsr-3462	661	2	,	,	PUNCT
fsr-3462	661	3	this	this	DET
fsr-3462	661	4	negative	negative	ADJ
fsr-3462	661	5	effect	effect	NOUN
fsr-3462	661	6	is	be	AUX
fsr-3462	661	7	larger	large	ADJ
fsr-3462	661	8	than	than	ADP
fsr-3462	661	9	an	an	DET
fsr-3462	661	10	increase	increase	NOUN
fsr-3462	661	11	in	in	ADP
fsr-3462	661	12	financial	financial	ADJ
fsr-3462	661	13	literacy	literacy	NOUN
fsr-3462	661	14	as	as	SCONJ
fsr-3462	661	15	we	we	PRON
fsr-3462	661	16	will	will	AUX
fsr-3462	661	17	discuss	discuss	VERB
fsr-3462	661	18	next	next	ADV
fsr-3462	661	19	.	.	PUNCT
fsr-3462	662	1	financial	financial	ADJ
fsr-3462	662	2	literacy	literacy	NOUN
fsr-3462	662	3	has	have	AUX
fsr-3462	662	4	been	be	AUX
fsr-3462	662	5	championed	champion	VERB
fsr-3462	662	6	as	as	ADP
fsr-3462	662	7	the	the	DET
fsr-3462	662	8	main	main	ADJ
fsr-3462	662	9	way	way	NOUN
fsr-3462	662	10	to	to	PART
fsr-3462	662	11	improve	improve	VERB
fsr-3462	662	12	financial	financial	ADJ
fsr-3462	662	13	decisionmaking	decisionmake	VERB
fsr-3462	662	14	process	process	NOUN
fsr-3462	662	15	,	,	PUNCT
fsr-3462	662	16	and	and	CCONJ
fsr-3462	662	17	specifically	specifically	ADV
fsr-3462	662	18	research	research	NOUN
fsr-3462	662	19	studying	study	VERB
fsr-3462	662	20	credit	credit	NOUN
fsr-3462	662	21	card	card	NOUN
fsr-3462	662	22	debt	debt	NOUN
fsr-3462	662	23	emphasize	emphasize	VERB
fsr-3462	662	24	on	on	ADP
fsr-3462	662	25	its	its	PRON
fsr-3462	662	26	g.	g.	PROPN
fsr-3462	662	27	barboza	barboza	PROPN
fsr-3462	662	28	et	et	PROPN
fsr-3462	662	29	al	al	PROPN
fsr-3462	662	30	.	.	PUNCT
fsr-3462	662	31	/	/	SYM
fsr-3462	662	32	financial	financial	ADJ
fsr-3462	662	33	services	service	NOUN
fsr-3462	662	34	review	review	VERB
fsr-3462	662	35	29	29	NUM
fsr-3462	662	36	(	(	PUNCT
fsr-3462	662	37	2021	2021	NUM
fsr-3462	662	38	)	)	PUNCT
fsr-3462	663	1	247–276	247–276	NUM
fsr-3462	663	2	269	269	NUM
fsr-3462	663	3	t	t	PROPN
fsr-3462	663	4	ab	ab	PROPN
fsr-3462	663	5	le	le	X
fsr-3462	663	6	7	7	NUM
fsr-3462	663	7	p	p	X
fsr-3462	663	8	ro	ro	PROPN
fsr-3462	663	9	b	b	PROPN
fsr-3462	663	10	ab	ab	PROPN
fsr-3462	663	11	il	il	PROPN
fsr-3462	663	12	it	it	PRON
fsr-3462	663	13	ie	ie	PROPN
fsr-3462	663	14	s	s	VERB
fsr-3462	663	15	an	an	DET
fsr-3462	663	16	d	d	PROPN
fsr-3462	663	17	m	m	PROPN
fsr-3462	663	18	ar	ar	PROPN
fsr-3462	663	19	g	g	PROPN
fsr-3462	663	20	in	in	ADP
fsr-3462	663	21	al	al	PROPN
fsr-3462	663	22	ef	ef	PROPN
fsr-3462	663	23	fe	fe	X
fsr-3462	663	24	ct	ct	NUM
fsr-3462	663	25	s	s	PROPN
fsr-3462	663	26	,	,	PUNCT
fsr-3462	663	27	fo	fo	ADP
fsr-3462	663	28	r	r	NOUN
fsr-3462	663	29	m	m	NOUN
fsr-3462	663	30	o	o	NOUN
fsr-3462	663	31	d	d	X
fsr-3462	663	32	el	el	PROPN
fsr-3462	663	33	w	w	PROPN
fsr-3462	664	1	it	it	PRON
fsr-3462	665	1	h	h	NOUN
fsr-3462	665	2	in	in	ADP
fsr-3462	665	3	te	te	ADP
fsr-3462	665	4	ra	ra	PROPN
fsr-3462	665	5	ct	ct	PROPN
fsr-3462	665	6	io	io	PROPN
fsr-3462	665	7	n	n	PROPN
fsr-3462	665	8	ef	ef	X
fsr-3462	665	9	fe	fe	X
fsr-3462	666	1	ct	ct	PROPN
fsr-3462	666	2	s	s	PROPN
fsr-3462	666	3	p	p	X
fsr-3462	666	4	ro	ro	X
fsr-3462	666	5	b	b	PROPN
fsr-3462	666	6	(	(	PUNCT
fsr-3462	666	7	y	y	NOUN
fsr-3462	666	8	=	=	SYM
fsr-3462	666	9	1	1	NUM
fsr-3462	666	10	jx	jx	PROPN
fsr-3462	666	11	)	)	PUNCT
fsr-3462	666	12	/∂	/∂	PUNCT
fsr-3462	667	1	p	p	NOUN
fsr-3462	667	2	1	1	NUM
fsr-3462	667	3	/∂	/∂	PUNCT
fsr-3462	667	4	x	x	X
fsr-3462	667	5	p	p	X
fsr-3462	667	6	ro	ro	X
fsr-3462	667	7	b	b	PROPN
fsr-3462	667	8	(	(	PUNCT
fsr-3462	667	9	y	y	NOUN
fsr-3462	667	10	=	=	SYM
fsr-3462	667	11	2	2	NUM
fsr-3462	667	12	jx	jx	PROPN
fsr-3462	667	13	)	)	PUNCT
fsr-3462	667	14	/∂	/∂	PUNCT
fsr-3462	668	1	p	p	NOUN
fsr-3462	668	2	2	2	NUM
fsr-3462	668	3	/∂	/∂	PUNCT
fsr-3462	668	4	x	x	X
fsr-3462	669	1	p	p	X
fsr-3462	669	2	ro	ro	X
fsr-3462	669	3	b	b	PROPN
fsr-3462	669	4	(	(	PUNCT
fsr-3462	669	5	y	y	NOUN
fsr-3462	669	6	=	=	SYM
fsr-3462	669	7	3	3	NUM
fsr-3462	669	8	jx	jx	PROPN
fsr-3462	669	9	)	)	PUNCT
fsr-3462	669	10	/∂	/∂	PUNCT
fsr-3462	670	1	p	p	NOUN
fsr-3462	670	2	3	3	NUM
fsr-3462	670	3	/∂	/∂	PUNCT
fsr-3462	670	4	x	x	X
fsr-3462	671	1	p	p	X
fsr-3462	671	2	ro	ro	X
fsr-3462	671	3	b	b	PROPN
fsr-3462	671	4	(	(	PUNCT
fsr-3462	671	5	y	y	NOUN
fsr-3462	671	6	=	=	SYM
fsr-3462	671	7	4	4	NUM
fsr-3462	671	8	jx	jx	PROPN
fsr-3462	671	9	)	)	PUNCT
fsr-3462	671	10	/∂	/∂	PUNCT
fsr-3462	672	1	p	p	NOUN
fsr-3462	672	2	4	4	NUM
fsr-3462	672	3	/∂	/∂	PUNCT
fsr-3462	672	4	x	x	X
fsr-3462	672	5	f	f	NOUN
fsr-3462	672	6	in	in	ADP
fsr-3462	672	7	an	an	DET
fsr-3462	672	8	ci	ci	PROPN
fsr-3462	672	9	al	al	PROPN
fsr-3462	672	10	li	li	PROPN
fsr-3462	672	11	te	te	PROPN
fsr-3462	672	12	ra	ra	PROPN
fsr-3462	673	1	cy	cy	INTJ
fsr-3462	673	2	m	m	PROPN
fsr-3462	673	3	o	o	PROPN
fsr-3462	673	4	d	d	X
fsr-3462	673	5	el	el	PROPN
fsr-3462	673	6	6	6	NUM
fsr-3462	673	7	7	7	NUM
fsr-3462	673	8	.5	.5	NUM
fsr-3462	673	9	5	5	NUM
fsr-3462	673	10	%	%	NOUN
fsr-3462	673	11	1	1	NUM
fsr-3462	673	12	9	9	NUM
fsr-3462	673	13	.6	.6	NUM
fsr-3462	673	14	7	7	NUM
fsr-3462	673	15	%	%	NOUN
fsr-3462	673	16	7	7	NUM
fsr-3462	674	1	.6	.6	NUM
fsr-3462	674	2	9	9	NUM
fsr-3462	674	3	%	%	NOUN
fsr-3462	674	4	5	5	NUM
fsr-3462	674	5	.0	.0	NUM
fsr-3462	674	6	9	9	NUM
fsr-3462	674	7	%	%	NOUN
fsr-3462	674	8	p	p	PROPN
fsr-3462	674	9	ar	ar	PROPN
fsr-3462	674	10	en	en	X
fsr-3462	674	11	ts	ts	ADP
fsr-3462	674	12	fi	fi	PROPN
fsr-3462	674	13	n	n	CCONJ
fsr-3462	674	14	an	an	DET
fsr-3462	674	15	ci	ci	NOUN
fsr-3462	674	16	al	al	PROPN
fsr-3462	674	17	ed	ed	PROPN
fsr-3462	674	18	u	u	PROPN
fsr-3462	674	19	c	c	NOUN
fsr-3462	674	20	0	0	NUM
fsr-3462	674	21	.3	.3	NUM
fsr-3462	674	22	1	1	NUM
fsr-3462	674	23	3	3	NUM
fsr-3462	674	24	�	�	PROPN
fsr-3462	674	25	0	0	NUM
fsr-3462	674	26	.1	.1	NUM
fsr-3462	674	27	1	1	NUM
fsr-3462	674	28	6	6	NUM
fsr-3462	674	29	�	�	PROPN
fsr-3462	674	30	0	0	NUM
fsr-3462	674	31	.0	.0	NUM
fsr-3462	674	32	9	9	NUM
fsr-3462	674	33	1	1	NUM
fsr-3462	674	34	�	�	PROPN
fsr-3462	674	35	0	0	NUM
fsr-3462	674	36	.1	.1	NUM
fsr-3462	674	37	0	0	NUM
fsr-3462	674	38	6	6	NUM
fsr-3462	674	39	o	o	NOUN
fsr-3462	674	40	v	v	ADP
fsr-3462	674	41	er	er	INTJ
fsr-3462	674	42	sp	sp	ADP
fsr-3462	674	43	en	en	X
fsr-3462	674	44	d	d	PROPN
fsr-3462	674	45	in	in	ADP
fsr-3462	674	46	g	g	PROPN
fsr-3462	674	47	�	�	PROPN
fsr-3462	674	48	0	0	NUM
fsr-3462	675	1	.2	.2	NUM
fsr-3462	675	2	0	0	NUM
fsr-3462	675	3	7	7	NUM
fsr-3462	675	4	0	0	NUM
fsr-3462	675	5	.0	.0	NUM
fsr-3462	675	6	8	8	NUM
fsr-3462	675	7	7	7	NUM
fsr-3462	675	8	0	0	NUM
fsr-3462	675	9	.0	.0	NUM
fsr-3462	675	10	6	6	NUM
fsr-3462	675	11	0	0	NUM
fsr-3462	675	12	0	0	NUM
fsr-3462	675	13	.0	.0	NUM
fsr-3462	675	14	6	6	NUM
fsr-3462	675	15	0	0	NUM
fsr-3462	675	16	n	n	PRON
fsr-3462	675	17	c	c	NOUN
fsr-3462	675	18	c	c	X
fsr-3462	675	19	�	�	PROPN
fsr-3462	675	20	0	0	NUM
fsr-3462	675	21	.0	.0	NUM
fsr-3462	675	22	6	6	NUM
fsr-3462	675	23	1	1	NUM
fsr-3462	675	24	0	0	NUM
fsr-3462	675	25	.0	.0	NUM
fsr-3462	675	26	2	2	NUM
fsr-3462	675	27	6	6	NUM
fsr-3462	675	28	0	0	NUM
fsr-3462	675	29	.0	.0	NUM
fsr-3462	675	30	1	1	NUM
fsr-3462	675	31	8	8	NUM
fsr-3462	675	32	0	0	NUM
fsr-3462	675	33	.0	.0	NUM
fsr-3462	675	34	1	1	NUM
fsr-3462	675	35	8	8	NUM
fsr-3462	675	36	c	c	NOUN
fsr-3462	675	37	o	o	PROPN
fsr-3462	675	38	rr	rr	PROPN
fsr-3462	675	39	ec	ec	PROPN
fsr-3462	675	40	t	t	PROPN
fsr-3462	675	41	an	an	DET
fsr-3462	675	42	sw	sw	PROPN
fsr-3462	675	43	er	er	INTJ
fsr-3462	675	44	s	s	PROPN
fsr-3462	675	45	0	0	NUM
fsr-3462	675	46	.1	.1	NUM
fsr-3462	675	47	4	4	NUM
fsr-3462	675	48	7	7	NUM
fsr-3462	675	49	�	�	NOUN
fsr-3462	675	50	0	0	NUM
fsr-3462	675	51	.0	.0	NUM
fsr-3462	675	52	6	6	NUM
fsr-3462	675	53	2	2	NUM
fsr-3462	675	54	�	�	PROPN
fsr-3462	675	55	0	0	NUM
fsr-3462	675	56	.0	.0	NUM
fsr-3462	675	57	4	4	NUM
fsr-3462	675	58	3	3	NUM
fsr-3462	675	59	�	�	PROPN
fsr-3462	675	60	0	0	NUM
fsr-3462	675	61	.0	.0	NUM
fsr-3462	675	62	4	4	NUM
fsr-3462	675	63	3	3	NUM
fsr-3462	675	64	in	in	ADP
fsr-3462	675	65	te	te	ADP
fsr-3462	675	66	ra	ra	PROPN
fsr-3462	675	67	ct	ct	PROPN
fsr-3462	675	68	io	io	PROPN
fsr-3462	675	69	n	n	PROPN
fsr-3462	675	70	ef	ef	PROPN
fsr-3462	675	71	fe	fe	X
fsr-3462	675	72	ct	ct	PROPN
fsr-3462	675	73	�	�	PROPN
fsr-3462	675	74	0	0	NUM
fsr-3462	675	75	.1	.1	NUM
fsr-3462	675	76	5	5	NUM
fsr-3462	675	77	4	4	NUM
fsr-3462	675	78	0	0	NUM
fsr-3462	675	79	.0	.0	NUM
fsr-3462	675	80	6	6	NUM
fsr-3462	675	81	4	4	NUM
fsr-3462	675	82	0	0	NUM
fsr-3462	675	83	.0	.0	NUM
fsr-3462	675	84	4	4	NUM
fsr-3462	675	85	5	5	NUM
fsr-3462	675	86	0	0	NUM
fsr-3462	675	87	.0	.0	NUM
fsr-3462	675	88	4	4	NUM
fsr-3462	675	89	5	5	NUM
fsr-3462	675	90	l	l	NOUN
fsr-3462	675	91	ev	ev	PROPN
fsr-3462	675	92	el	el	PROPN
fsr-3462	675	93	a	a	DET
fsr-3462	675	94	f	f	PROPN
fsr-3462	675	95	in	in	ADP
fsr-3462	675	96	an	an	DET
fsr-3462	675	97	ci	ci	PROPN
fsr-3462	675	98	al	al	PROPN
fsr-3462	675	99	il	il	PROPN
fsr-3462	675	100	li	li	PROPN
fsr-3462	675	101	te	te	PROPN
fsr-3462	675	102	ra	ra	PROPN
fsr-3462	676	1	cy	cy	PROPN
fsr-3462	676	2	6	6	NUM
fsr-3462	676	3	8	8	NUM
fsr-3462	676	4	.8	.8	NUM
fsr-3462	676	5	2	2	NUM
fsr-3462	676	6	%	%	NOUN
fsr-3462	676	7	1	1	NUM
fsr-3462	676	8	9	9	NUM
fsr-3462	676	9	.1	.1	NUM
fsr-3462	676	10	4	4	NUM
fsr-3462	676	11	%	%	NOUN
fsr-3462	676	12	7	7	NUM
fsr-3462	676	13	.3	.3	NUM
fsr-3462	676	14	2	2	NUM
fsr-3462	676	15	%	%	NOUN
fsr-3462	676	16	4	4	NUM
fsr-3462	676	17	.7	.7	NUM
fsr-3462	676	18	2	2	NUM
fsr-3462	676	19	%	%	NOUN
fsr-3462	676	20	p	p	PROPN
fsr-3462	676	21	ar	ar	PROPN
fsr-3462	676	22	en	en	X
fsr-3462	676	23	ts	ts	ADP
fsr-3462	676	24	fi	fi	PROPN
fsr-3462	676	25	n	n	CCONJ
fsr-3462	676	26	an	an	DET
fsr-3462	676	27	ci	ci	NOUN
fsr-3462	676	28	al	al	PROPN
fsr-3462	676	29	ed	ed	PROPN
fsr-3462	676	30	u	u	PROPN
fsr-3462	676	31	c	c	NOUN
fsr-3462	676	32	0	0	NUM
fsr-3462	677	1	.2	.2	NUM
fsr-3462	677	2	9	9	NUM
fsr-3462	677	3	5	5	NUM
fsr-3462	677	4	�	�	PROPN
fsr-3462	677	5	0	0	NUM
fsr-3462	677	6	.0	.0	NUM
fsr-3462	677	7	5	5	NUM
fsr-3462	677	8	5	5	NUM
fsr-3462	677	9	�	�	PROPN
fsr-3462	677	10	0	0	NUM
fsr-3462	677	11	.0	.0	NUM
fsr-3462	677	12	8	8	NUM
fsr-3462	677	13	5	5	NUM
fsr-3462	677	14	�	�	PROPN
fsr-3462	677	15	0	0	NUM
fsr-3462	677	16	.0	.0	NUM
fsr-3462	677	17	9	9	NUM
fsr-3462	677	18	5	5	NUM
fsr-3462	677	19	o	o	NOUN
fsr-3462	677	20	v	v	ADP
fsr-3462	677	21	er	er	INTJ
fsr-3462	677	22	sp	sp	ADP
fsr-3462	677	23	en	en	X
fsr-3462	677	24	d	d	PROPN
fsr-3462	677	25	in	in	ADP
fsr-3462	677	26	g	g	PROPN
fsr-3462	677	27	�	�	PROPN
fsr-3462	677	28	0	0	NUM
fsr-3462	677	29	.1	.1	NUM
fsr-3462	677	30	9	9	NUM
fsr-3462	677	31	0	0	NUM
fsr-3462	677	32	0	0	NUM
fsr-3462	677	33	.0	.0	NUM
fsr-3462	677	34	8	8	NUM
fsr-3462	677	35	2	2	NUM
fsr-3462	677	36	0	0	NUM
fsr-3462	677	37	.0	.0	NUM
fsr-3462	677	38	5	5	NUM
fsr-3462	677	39	5	5	NUM
fsr-3462	677	40	0	0	NUM
fsr-3462	677	41	.0	.0	NUM
fsr-3462	677	42	5	5	NUM
fsr-3462	677	43	3	3	NUM
fsr-3462	677	44	n	n	ADP
fsr-3462	677	45	c	c	NOUN
fsr-3462	677	46	c	c	PROPN
fsr-3462	677	47	�	�	PROPN
fsr-3462	677	48	0	0	NUM
fsr-3462	677	49	.0	.0	NUM
fsr-3462	677	50	6	6	NUM
fsr-3462	677	51	5	5	NUM
fsr-3462	677	52	0	0	NUM
fsr-3462	677	53	.0	.0	NUM
fsr-3462	677	54	2	2	NUM
fsr-3462	677	55	8	8	NUM
fsr-3462	677	56	0	0	NUM
fsr-3462	677	57	.0	.0	NUM
fsr-3462	677	58	1	1	NUM
fsr-3462	677	59	9	9	NUM
fsr-3462	677	60	0	0	NUM
fsr-3462	677	61	.0	.0	NUM
fsr-3462	677	62	1	1	NUM
fsr-3462	677	63	8	8	NUM
fsr-3462	677	64	in	in	ADP
fsr-3462	677	65	co	co	PROPN
fsr-3462	677	66	rr	rr	PROPN
fsr-3462	677	67	ec	ec	PROPN
fsr-3462	677	68	t	t	PROPN
fsr-3462	677	69	an	an	PRON
fsr-3462	677	70	sw	sw	PROPN
fsr-3462	677	71	er	er	INTJ
fsr-3462	677	72	s	s	PROPN
fsr-3462	677	73	�	�	PROPN
fsr-3462	677	74	0	0	NUM
fsr-3462	677	75	.1	.1	NUM
fsr-3462	677	76	8	8	NUM
fsr-3462	677	77	7	7	NUM
fsr-3462	677	78	0	0	NUM
fsr-3462	677	79	.0	.0	NUM
fsr-3462	677	80	8	8	NUM
fsr-3462	677	81	1	1	NUM
fsr-3462	677	82	0	0	NUM
fsr-3462	677	83	.0	.0	NUM
fsr-3462	677	84	5	5	NUM
fsr-3462	677	85	4	4	NUM
fsr-3462	677	86	0	0	NUM
fsr-3462	677	87	.0	.0	NUM
fsr-3462	677	88	5	5	NUM
fsr-3462	677	89	2	2	NUM
fsr-3462	677	90	in	in	ADP
fsr-3462	677	91	te	te	ADP
fsr-3462	677	92	ra	ra	PROPN
fsr-3462	677	93	ct	ct	PROPN
fsr-3462	677	94	io	io	PROPN
fsr-3462	677	95	n	n	PROPN
fsr-3462	677	96	ef	ef	X
fsr-3462	677	97	fe	fe	X
fsr-3462	677	98	ct	ct	NUM
fsr-3462	677	99	0	0	NUM
fsr-3462	677	100	.1	.1	NUM
fsr-3462	677	101	5	5	NUM
fsr-3462	677	102	4	4	NUM
fsr-3462	677	103	�	�	NOUN
fsr-3462	677	104	0	0	NUM
fsr-3462	677	105	.0	.0	NUM
fsr-3462	677	106	6	6	NUM
fsr-3462	677	107	7	7	NUM
fsr-3462	677	108	�	�	NOUN
fsr-3462	677	109	0	0	NUM
fsr-3462	677	110	.0	.0	NUM
fsr-3462	677	111	4	4	NUM
fsr-3462	677	112	4	4	NUM
fsr-3462	677	113	�	�	NOUN
fsr-3462	677	114	0	0	NUM
fsr-3462	677	115	.0	.0	NUM
fsr-3462	677	116	4	4	NUM
fsr-3462	677	117	3	3	NUM
fsr-3462	677	118	l	l	NOUN
fsr-3462	677	119	ev	ev	PROPN
fsr-3462	677	120	el	el	PROPN
fsr-3462	677	121	b	b	PROPN
fsr-3462	677	122	f	f	PROPN
fsr-3462	677	123	in	in	ADP
fsr-3462	677	124	an	an	DET
fsr-3462	677	125	ci	ci	PROPN
fsr-3462	677	126	al	al	PROPN
fsr-3462	677	127	il	il	PROPN
fsr-3462	677	128	li	li	PROPN
fsr-3462	677	129	te	te	PROPN
fsr-3462	677	130	ra	ra	PROPN
fsr-3462	677	131	cy	cy	PROPN
fsr-3462	677	132	6	6	NUM
fsr-3462	677	133	7	7	NUM
fsr-3462	677	134	.2	.2	NUM
fsr-3462	677	135	7	7	NUM
fsr-3462	677	136	%	%	NOUN
fsr-3462	677	137	1	1	NUM
fsr-3462	677	138	9	9	NUM
fsr-3462	677	139	.2	.2	NUM
fsr-3462	677	140	5	5	NUM
fsr-3462	677	141	%	%	NOUN
fsr-3462	677	142	7	7	NUM
fsr-3462	677	143	.8	.8	NUM
fsr-3462	677	144	4	4	NUM
fsr-3462	677	145	%	%	NOUN
fsr-3462	677	146	5	5	NUM
fsr-3462	678	1	.6	.6	NUM
fsr-3462	678	2	4	4	NUM
fsr-3462	678	3	%	%	NOUN
fsr-3462	678	4	p	p	PROPN
fsr-3462	678	5	ar	ar	PROPN
fsr-3462	678	6	en	en	X
fsr-3462	678	7	ts	ts	ADP
fsr-3462	678	8	fi	fi	PROPN
fsr-3462	678	9	n	n	CCONJ
fsr-3462	678	10	an	an	DET
fsr-3462	678	11	ci	ci	NOUN
fsr-3462	678	12	al	al	PROPN
fsr-3462	678	13	ed	ed	PROPN
fsr-3462	678	14	u	u	PROPN
fsr-3462	678	15	c	c	NOUN
fsr-3462	678	16	0	0	NUM
fsr-3462	678	17	.3	.3	NUM
fsr-3462	678	18	4	4	NUM
fsr-3462	678	19	8	8	NUM
fsr-3462	678	20	�	�	NOUN
fsr-3462	678	21	0	0	NUM
fsr-3462	678	22	.1	.1	NUM
fsr-3462	679	1	2	2	NUM
fsr-3462	679	2	0	0	NUM
fsr-3462	679	3	�	�	PROPN
fsr-3462	679	4	0	0	NUM
fsr-3462	679	5	.0	.0	NUM
fsr-3462	679	6	9	9	NUM
fsr-3462	679	7	8	8	NUM
fsr-3462	679	8	�	�	NOUN
fsr-3462	679	9	0	0	NUM
fsr-3462	679	10	.1	.1	NUM
fsr-3462	679	11	3	3	NUM
fsr-3462	679	12	0	0	NUM
fsr-3462	679	13	o	o	NOUN
fsr-3462	679	14	v	v	ADP
fsr-3462	679	15	er	er	INTJ
fsr-3462	679	16	sp	sp	ADP
fsr-3462	679	17	en	en	X
fsr-3462	679	18	d	d	PROPN
fsr-3462	679	19	in	in	ADP
fsr-3462	679	20	g	g	PROPN
fsr-3462	679	21	�	�	PROPN
fsr-3462	679	22	0	0	NUM
fsr-3462	679	23	.1	.1	NUM
fsr-3462	679	24	8	8	NUM
fsr-3462	679	25	7	7	NUM
fsr-3462	679	26	0	0	NUM
fsr-3462	679	27	.0	.0	NUM
fsr-3462	679	28	7	7	NUM
fsr-3462	679	29	5	5	NUM
fsr-3462	679	30	0	0	NUM
fsr-3462	679	31	.0	.0	NUM
fsr-3462	679	32	5	5	NUM
fsr-3462	679	33	4	4	NUM
fsr-3462	679	34	0	0	NUM
fsr-3462	679	35	.0	.0	NUM
fsr-3462	679	36	5	5	NUM
fsr-3462	679	37	9	9	NUM
fsr-3462	679	38	n	n	ADP
fsr-3462	679	39	c	c	NOUN
fsr-3462	679	40	c	c	PROPN
fsr-3462	679	41	�	�	PROPN
fsr-3462	679	42	0	0	PROPN
fsr-3462	679	43	.0	.0	NUM
fsr-3462	679	44	4	4	NUM
fsr-3462	679	45	7	7	NUM
fsr-3462	679	46	0	0	NUM
fsr-3462	679	47	.0	.0	NUM
fsr-3462	679	48	1	1	NUM
fsr-3462	679	49	9	9	NUM
fsr-3462	679	50	0	0	NUM
fsr-3462	679	51	.0	.0	NUM
fsr-3462	679	52	1	1	NUM
fsr-3462	679	53	3	3	NUM
fsr-3462	679	54	0	0	NUM
fsr-3462	679	55	.0	.0	NUM
fsr-3462	679	56	1	1	NUM
fsr-3462	679	57	5	5	NUM
fsr-3462	679	58	d	d	NOUN
fsr-3462	679	59	o	o	NOUN
fsr-3462	679	60	n	n	NUM
fsr-3462	679	61	o	o	NOUN
fsr-3462	679	62	t	t	X
fsr-3462	679	63	k	k	X
fsr-3462	679	64	n	n	INTJ
fsr-3462	679	65	o	o	X
fsr-3462	679	66	w	w	NOUN
fsr-3462	679	67	an	an	PRON
fsr-3462	679	68	sw	sw	PROPN
fsr-3462	679	69	er	er	INTJ
fsr-3462	679	70	s	s	PROPN
fsr-3462	679	71	�	�	PROPN
fsr-3462	679	72	0	0	NUM
fsr-3462	679	73	.0	.0	NUM
fsr-3462	679	74	9	9	NUM
fsr-3462	679	75	9	9	NUM
fsr-3462	679	76	0	0	NUM
fsr-3462	679	77	.0	.0	NUM
fsr-3462	679	78	4	4	NUM
fsr-3462	679	79	0	0	NUM
fsr-3462	679	80	0	0	NUM
fsr-3462	679	81	.0	.0	NUM
fsr-3462	679	82	2	2	NUM
fsr-3462	679	83	8	8	NUM
fsr-3462	679	84	0	0	NUM
fsr-3462	679	85	.0	.0	NUM
fsr-3462	679	86	3	3	NUM
fsr-3462	679	87	1	1	NUM
fsr-3462	679	88	in	in	ADP
fsr-3462	679	89	te	te	ADP
fsr-3462	679	90	ra	ra	PROPN
fsr-3462	679	91	ct	ct	PROPN
fsr-3462	679	92	io	io	PROPN
fsr-3462	679	93	n	n	PROPN
fsr-3462	679	94	ef	ef	X
fsr-3462	679	95	fe	fe	X
fsr-3462	679	96	ct	ct	NUM
fsr-3462	679	97	0	0	NUM
fsr-3462	679	98	.1	.1	NUM
fsr-3462	679	99	9	9	NUM
fsr-3462	679	100	8	8	NUM
fsr-3462	679	101	�	�	NOUN
fsr-3462	679	102	0	0	NUM
fsr-3462	679	103	.0	.0	NUM
fsr-3462	679	104	7	7	NUM
fsr-3462	679	105	9	9	NUM
fsr-3462	679	106	�	�	NOUN
fsr-3462	679	107	0	0	NUM
fsr-3462	679	108	.0	.0	NUM
fsr-3462	679	109	5	5	NUM
fsr-3462	679	110	7	7	NUM
fsr-3462	679	111	�	�	PROPN
fsr-3462	679	112	0	0	NUM
fsr-3462	679	113	.0	.0	NUM
fsr-3462	680	1	6	6	NUM
fsr-3462	680	2	2	2	NUM
fsr-3462	680	3	s	s	NOUN
fsr-3462	680	4	o	o	X
fsr-3462	680	5	u	u	NOUN
fsr-3462	680	6	rc	rc	PROPN
fsr-3462	680	7	e	e	NOUN
fsr-3462	680	8	:	:	PUNCT
fsr-3462	680	9	m	m	VERB
fsr-3462	680	10	ar	ar	PROPN
fsr-3462	680	11	g	g	PROPN
fsr-3462	680	12	in	in	ADP
fsr-3462	680	13	al	al	PROPN
fsr-3462	680	14	ef	ef	PROPN
fsr-3462	680	15	fe	fe	X
fsr-3462	681	1	ct	ct	PROPN
fsr-3462	681	2	s	s	PROPN
fsr-3462	681	3	o	o	PROPN
fsr-3462	681	4	n	n	X
fsr-3462	681	5	ly	ly	X
fsr-3462	681	6	re	re	ADP
fsr-3462	681	7	p	p	NOUN
fsr-3462	681	8	o	o	X
fsr-3462	681	9	rt	rt	INTJ
fsr-3462	681	10	ed	ed	NOUN
fsr-3462	681	11	fo	fo	ADP
fsr-3462	681	12	r	r	NOUN
fsr-3462	681	13	m	m	NOUN
fsr-3462	681	14	o	o	NOUN
fsr-3462	681	15	d	d	X
fsr-3462	681	16	el	el	PROPN
fsr-3462	681	17	1	1	PROPN
fsr-3462	681	18	t	t	PROPN
fsr-3462	681	19	ab	ab	PROPN
fsr-3462	681	20	le	le	PROPN
fsr-3462	681	21	6	6	NUM
fsr-3462	681	22	,	,	PUNCT
fsr-3462	681	23	6	6	NUM
fsr-3462	681	24	a	a	NOUN
fsr-3462	681	25	,	,	PUNCT
fsr-3462	681	26	an	an	DET
fsr-3462	681	27	d	d	PROPN
fsr-3462	681	28	6	6	NUM
fsr-3462	681	29	b	b	NOUN
fsr-3462	681	30	.	.	PUNCT
fsr-3462	682	1	y	y	PROPN
fsr-3462	682	2	=	=	SYM
fsr-3462	682	3	1	1	NUM
fsr-3462	682	4	re	re	X
fsr-3462	682	5	fe	fe	X
fsr-3462	682	6	rs	rs	VERB
fsr-3462	682	7	to	to	ADP
fsr-3462	682	8	p	p	PROPN
fsr-3462	682	9	ay	ay	NOUN
fsr-3462	682	10	in	in	ADP
fsr-3462	682	11	fu	fu	PROPN
fsr-3462	682	12	ll	ll	NOUN
fsr-3462	682	13	,	,	PUNCT
fsr-3462	682	14	y	y	PROPN
fsr-3462	682	15	=	=	SYM
fsr-3462	682	16	2	2	NUM
fsr-3462	682	17	re	re	X
fsr-3462	682	18	fe	fe	X
fsr-3462	682	19	rs	rs	VERB
fsr-3462	682	20	to	to	ADP
fsr-3462	682	21	p	p	PROPN
fsr-3462	682	22	ay	ay	INTJ
fsr-3462	682	23	le	le	X
fsr-3462	682	24	ss	ss	NOUN
fsr-3462	682	25	th	th	X
fsr-3462	682	26	an	an	DET
fsr-3462	682	27	fu	fu	NOUN
fsr-3462	682	28	ll	ll	PROPN
fsr-3462	682	29	b	b	PROPN
fsr-3462	682	30	u	u	NOUN
fsr-3462	682	31	t	t	NOUN
fsr-3462	682	32	m	m	VERB
fsr-3462	682	33	o	o	NOUN
fsr-3462	682	34	re	re	X
fsr-3462	682	35	th	th	X
fsr-3462	682	36	an	an	DET
fsr-3462	682	37	m	m	NOUN
fsr-3462	682	38	in	in	ADP
fsr-3462	682	39	i	i	PRON
fsr-3462	682	40	m	m	VERB
fsr-3462	682	41	u	u	NOUN
fsr-3462	682	42	m	m	PROPN
fsr-3462	682	43	,	,	PUNCT
fsr-3462	682	44	y	y	PROPN
fsr-3462	682	45	=	=	SYM
fsr-3462	682	46	3	3	NUM
fsr-3462	682	47	re	re	X
fsr-3462	682	48	fe	fe	X
fsr-3462	682	49	rs	rs	VERB
fsr-3462	682	50	to	to	ADP
fsr-3462	682	51	p	p	PROPN
fsr-3462	682	52	ay	ay	NOUN
fsr-3462	682	53	m	m	NOUN
fsr-3462	682	54	in	in	ADP
fsr-3462	682	55	i	i	PRON
fsr-3462	682	56	m	m	VERB
fsr-3462	682	57	u	u	NOUN
fsr-3462	682	58	m	m	PROPN
fsr-3462	682	59	,	,	PUNCT
fsr-3462	682	60	an	an	DET
fsr-3462	682	61	d	d	X
fsr-3462	682	62	y	y	NOUN
fsr-3462	682	63	=	=	SYM
fsr-3462	682	64	4	4	NUM
fsr-3462	682	65	re	re	X
fsr-3462	682	66	fe	fe	X
fsr-3462	682	67	rs	rs	VERB
fsr-3462	682	68	to	to	ADP
fsr-3462	682	69	p	p	PROPN
fsr-3462	682	70	ay	ay	INTJ
fsr-3462	682	71	le	le	X
fsr-3462	682	72	ss	ss	NOUN
fsr-3462	682	73	th	th	X
fsr-3462	682	74	an	an	DET
fsr-3462	682	75	m	m	NOUN
fsr-3462	682	76	in	in	ADP
fsr-3462	682	77	i	i	PRON
fsr-3462	682	78	m	m	VERB
fsr-3462	682	79	u	u	NOUN
fsr-3462	682	80	m	m	NOUN
fsr-3462	682	81	.	.	PUNCT
fsr-3462	683	1	270	270	NUM
fsr-3462	683	2	g.	g.	PROPN
fsr-3462	683	3	barboza	barboza	PROPN
fsr-3462	683	4	et	et	PROPN
fsr-3462	683	5	al	al	PROPN
fsr-3462	683	6	.	.	PUNCT
fsr-3462	683	7	/	/	SYM
fsr-3462	683	8	financial	financial	ADJ
fsr-3462	683	9	services	service	NOUN
fsr-3462	683	10	review	review	VERB
fsr-3462	683	11	29	29	NUM
fsr-3462	683	12	(	(	PUNCT
fsr-3462	683	13	2021	2021	NUM
fsr-3462	683	14	)	)	PUNCT
fsr-3462	683	15	247–276	247–276	NUM
fsr-3462	683	16	importance	importance	NOUN
fsr-3462	683	17	.	.	PUNCT
fsr-3462	684	1	while	while	SCONJ
fsr-3462	684	2	we	we	PRON
fsr-3462	684	3	do	do	AUX
fsr-3462	684	4	not	not	PART
fsr-3462	684	5	dispute	dispute	VERB
fsr-3462	684	6	the	the	DET
fsr-3462	684	7	inner	inner	ADJ
fsr-3462	684	8	importance	importance	NOUN
fsr-3462	684	9	of	of	ADP
fsr-3462	684	10	financial	financial	ADJ
fsr-3462	684	11	literacy	literacy	NOUN
fsr-3462	684	12	in	in	ADP
fsr-3462	684	13	improving	improve	VERB
fsr-3462	684	14	decision	decision	NOUN
fsr-3462	684	15	making	making	NOUN
fsr-3462	684	16	,	,	PUNCT
fsr-3462	684	17	our	our	PRON
fsr-3462	684	18	results	result	NOUN
fsr-3462	684	19	indicate	indicate	VERB
fsr-3462	684	20	that	that	SCONJ
fsr-3462	684	21	financial	financial	ADJ
fsr-3462	684	22	literacy	literacy	NOUN
fsr-3462	684	23	plays	play	VERB
fsr-3462	684	24	a	a	DET
fsr-3462	684	25	secondary	secondary	ADJ
fsr-3462	684	26	role	role	NOUN
fsr-3462	684	27	,	,	PUNCT
fsr-3462	684	28	when	when	SCONJ
fsr-3462	684	29	controlling	control	VERB
fsr-3462	684	30	for	for	ADP
fsr-3462	684	31	individuals	individual	NOUN
fsr-3462	684	32	’	’	PART
fsr-3462	684	33	personality	personality	NOUN
fsr-3462	684	34	traits	trait	NOUN
fsr-3462	684	35	and	and	CCONJ
fsr-3462	684	36	consequent	consequent	ADJ
fsr-3462	684	37	behavior	behavior	NOUN
fsr-3462	684	38	.	.	PUNCT
fsr-3462	685	1	in	in	ADP
fsr-3462	685	2	particular	particular	ADJ
fsr-3462	685	3	,	,	PUNCT
fsr-3462	685	4	marginal	marginal	ADJ
fsr-3462	685	5	effects	effect	NOUN
fsr-3462	685	6	analysis	analysis	NOUN
fsr-3462	685	7	from	from	ADP
fsr-3462	685	8	table	table	NOUN
fsr-3462	685	9	5	5	NUM
fsr-3462	685	10	,	,	PUNCT
fsr-3462	685	11	indicate	indicate	VERB
fsr-3462	685	12	that	that	SCONJ
fsr-3462	685	13	an	an	DET
fsr-3462	685	14	increase	increase	NOUN
fsr-3462	685	15	in	in	ADP
fsr-3462	685	16	the	the	DET
fsr-3462	685	17	number	number	NOUN
fsr-3462	685	18	of	of	ADP
fsr-3462	685	19	correct	correct	ADJ
fsr-3462	685	20	answer	answer	NOUN
fsr-3462	685	21	in	in	ADP
fsr-3462	685	22	the	the	DET
fsr-3462	685	23	financial	financial	ADJ
fsr-3462	685	24	literacy	literacy	NOUN
fsr-3462	685	25	questionnaire	questionnaire	NOUN
fsr-3462	685	26	result	result	NOUN
fsr-3462	685	27	in	in	ADP
fsr-3462	685	28	a	a	DET
fsr-3462	685	29	positive	positive	ADJ
fsr-3462	685	30	improvement	improvement	NOUN
fsr-3462	685	31	(	(	PUNCT
fsr-3462	685	32	pay	pay	VERB
fsr-3462	685	33	in	in	ADP
fsr-3462	685	34	full	full	ADJ
fsr-3462	685	35	)	)	PUNCT
fsr-3462	685	36	in	in	ADP
fsr-3462	685	37	repayment	repayment	NOUN
fsr-3462	685	38	patterns	pattern	NOUN
fsr-3462	685	39	on	on	ADP
fsr-3462	685	40	the	the	DET
fsr-3462	685	41	approximate	approximate	ADJ
fsr-3462	685	42	amount	amount	NOUN
fsr-3462	685	43	of	of	ADP
fsr-3462	685	44	14.7	14.7	NUM
fsr-3462	685	45	%	%	NOUN
fsr-3462	685	46	.	.	PUNCT
fsr-3462	686	1	while	while	SCONJ
fsr-3462	686	2	a	a	DET
fsr-3462	686	3	significant	significant	ADJ
fsr-3462	686	4	improvement	improvement	NOUN
fsr-3462	686	5	,	,	PUNCT
fsr-3462	686	6	this	this	DET
fsr-3462	686	7	amount	amount	NOUN
fsr-3462	686	8	is	be	AUX
fsr-3462	686	9	not	not	PART
fsr-3462	686	10	enough	enough	ADJ
fsr-3462	686	11	to	to	PART
fsr-3462	686	12	counterbalance	counterbalance	VERB
fsr-3462	686	13	the	the	DET
fsr-3462	686	14	negative	negative	ADJ
fsr-3462	686	15	effects	effect	NOUN
fsr-3462	686	16	of	of	ADP
fsr-3462	686	17	behavior	behavior	NOUN
fsr-3462	686	18	.	.	PUNCT
fsr-3462	687	1	by	by	ADP
fsr-3462	687	2	the	the	DET
fsr-3462	687	3	same	same	ADJ
fsr-3462	687	4	token	token	NOUN
fsr-3462	687	5	,	,	PUNCT
fsr-3462	687	6	the	the	DET
fsr-3462	687	7	negative	negative	ADJ
fsr-3462	687	8	effect	effect	NOUN
fsr-3462	687	9	of	of	ADP
fsr-3462	687	10	increased	increase	VERB
fsr-3462	687	11	financial	financial	ADJ
fsr-3462	687	12	illiteracy	illiteracy	NOUN
fsr-3462	687	13	is	be	AUX
fsr-3462	687	14	decomposed	decompose	VERB
fsr-3462	687	15	in	in	ADP
fsr-3462	687	16	a	a	DET
fsr-3462	687	17	worsen	worsen	NOUN
fsr-3462	687	18	repayment	repayment	NOUN
fsr-3462	687	19	capability	capability	NOUN
fsr-3462	687	20	(	(	PUNCT
fsr-3462	687	21	away	away	ADV
fsr-3462	687	22	from	from	ADP
fsr-3462	687	23	full	full	ADJ
fsr-3462	687	24	repayment	repayment	NOUN
fsr-3462	687	25	every	every	DET
fsr-3462	687	26	month	month	NOUN
fsr-3462	687	27	)	)	PUNCT
fsr-3462	687	28	of	of	ADP
fsr-3462	687	29	18.7	18.7	NUM
fsr-3462	687	30	%	%	NOUN
fsr-3462	687	31	for	for	ADP
fsr-3462	687	32	level	level	NOUN
fsr-3462	687	33	a	a	PRON
fsr-3462	687	34	and	and	CCONJ
fsr-3462	687	35	9.9	9.9	NUM
fsr-3462	687	36	%	%	NOUN
fsr-3462	687	37	for	for	ADP
fsr-3462	687	38	level	level	NOUN
fsr-3462	687	39	b.	b.	PROPN
fsr-3462	688	1	it	it	PRON
fsr-3462	688	2	is	be	AUX
fsr-3462	688	3	relevant	relevant	ADJ
fsr-3462	688	4	to	to	PART
fsr-3462	688	5	point	point	VERB
fsr-3462	688	6	out	out	ADP
fsr-3462	688	7	that	that	SCONJ
fsr-3462	688	8	those	those	PRON
fsr-3462	688	9	overestimating	overestimate	VERB
fsr-3462	688	10	their	their	PRON
fsr-3462	688	11	financial	financial	ADJ
fsr-3462	688	12	knowledge	knowledge	NOUN
fsr-3462	688	13	,	,	PUNCT
fsr-3462	688	14	yet	yet	ADV
fsr-3462	688	15	answering	answer	VERB
fsr-3462	688	16	incorrectly	incorrectly	ADV
fsr-3462	688	17	,	,	PUNCT
fsr-3462	688	18	are	be	AUX
fsr-3462	688	19	at	at	ADP
fsr-3462	688	20	the	the	DET
fsr-3462	688	21	highest	high	ADJ
fsr-3462	688	22	risk	risk	NOUN
fsr-3462	688	23	of	of	ADP
fsr-3462	688	24	falling	fall	VERB
fsr-3462	688	25	behind	behind	ADV
fsr-3462	688	26	and	and	CCONJ
fsr-3462	688	27	carry	carry	VERB
fsr-3462	688	28	a	a	DET
fsr-3462	688	29	month	month	NOUN
fsr-3462	688	30	-	-	PUNCT
fsr-3462	688	31	to	to	ADP
fsr-3462	688	32	-	-	PUNCT
fsr-3462	688	33	month	month	NOUN
fsr-3462	688	34	balance	balance	NOUN
fsr-3462	688	35	.	.	PUNCT
fsr-3462	689	1	in	in	ADP
fsr-3462	689	2	addition	addition	NOUN
fsr-3462	689	3	,	,	PUNCT
fsr-3462	689	4	it	it	PRON
fsr-3462	689	5	comes	come	VERB
fsr-3462	689	6	as	as	ADP
fsr-3462	689	7	a	a	DET
fsr-3462	689	8	relative	relative	ADJ
fsr-3462	689	9	surprise	surprise	NOUN
fsr-3462	689	10	that	that	SCONJ
fsr-3462	689	11	those	those	PRON
fsr-3462	689	12	suffering	suffer	VERB
fsr-3462	689	13	from	from	ADP
fsr-3462	689	14	level	level	NOUN
fsr-3462	689	15	b	b	PROPN
fsr-3462	689	16	illiteracy	illiteracy	NOUN
fsr-3462	689	17	are	be	AUX
fsr-3462	689	18	less	less	ADV
fsr-3462	689	19	likely	likely	ADJ
fsr-3462	689	20	to	to	PART
fsr-3462	689	21	carry	carry	VERB
fsr-3462	689	22	an	an	DET
fsr-3462	689	23	increase	increase	NOUN
fsr-3462	689	24	negative	negative	ADJ
fsr-3462	689	25	probability	probability	NOUN
fsr-3462	689	26	of	of	ADP
fsr-3462	689	27	repayment	repayment	NOUN
fsr-3462	689	28	in	in	ADP
fsr-3462	689	29	full	full	ADJ
fsr-3462	689	30	when	when	SCONJ
fsr-3462	689	31	answering	answer	VERB
fsr-3462	689	32	more	more	ADJ
fsr-3462	689	33	dnk	dnk	NOUN
fsr-3462	689	34	to	to	ADP
fsr-3462	689	35	the	the	DET
fsr-3462	689	36	financial	financial	ADJ
fsr-3462	689	37	literacy	literacy	NOUN
fsr-3462	689	38	questions	question	NOUN
fsr-3462	689	39	.	.	PUNCT
fsr-3462	690	1	in	in	ADP
fsr-3462	690	2	this	this	DET
fsr-3462	690	3	context	context	NOUN
fsr-3462	690	4	,	,	PUNCT
fsr-3462	690	5	it	it	PRON
fsr-3462	690	6	becomes	become	VERB
fsr-3462	690	7	evidence	evidence	NOUN
fsr-3462	690	8	that	that	SCONJ
fsr-3462	690	9	individuals	individual	NOUN
fsr-3462	690	10	with	with	ADP
fsr-3462	690	11	a	a	DET
fsr-3462	690	12	lack	lack	NOUN
fsr-3462	690	13	of	of	ADP
fsr-3462	690	14	financial	financial	ADJ
fsr-3462	690	15	literacy	literacy	NOUN
fsr-3462	690	16	level	level	NOUN
fsr-3462	690	17	a	a	PRON
fsr-3462	690	18	and	and	CCONJ
fsr-3462	690	19	personality	personality	NOUN
fsr-3462	690	20	traits	trait	NOUN
fsr-3462	690	21	dominated	dominate	VERB
fsr-3462	690	22	by	by	ADP
fsr-3462	690	23	overspending	overspending	NOUN
fsr-3462	690	24	are	be	AUX
fsr-3462	690	25	highly	highly	ADV
fsr-3462	690	26	more	more	ADV
fsr-3462	690	27	likely	likely	ADJ
fsr-3462	690	28	to	to	PART
fsr-3462	690	29	fall	fall	VERB
fsr-3462	690	30	behind	behind	ADV
fsr-3462	690	31	,	,	PUNCT
fsr-3462	690	32	as	as	SCONJ
fsr-3462	690	33	reflected	reflect	VERB
fsr-3462	690	34	by	by	ADP
fsr-3462	690	35	the	the	DET
fsr-3462	690	36	estimated	estimate	VERB
fsr-3462	690	37	values	value	NOUN
fsr-3462	690	38	of	of	ADP
fsr-3462	690	39	the	the	DET
fsr-3462	690	40	prob	prob	NOUN
fsr-3462	690	41	y	y	PROPN
fsr-3462	690	42	=	=	SYM
fsr-3462	690	43	2	2	NUM
fsr-3462	690	44	,	,	PUNCT
fsr-3462	690	45	3	3	NUM
fsr-3462	690	46	,	,	PUNCT
fsr-3462	690	47	and	and	CCONJ
fsr-3462	690	48	4	4	NUM
fsr-3462	690	49	categories	category	NOUN
fsr-3462	690	50	.	.	PUNCT
fsr-3462	691	1	a	a	DET
fsr-3462	691	2	generalization	generalization	NOUN
fsr-3462	691	3	of	of	ADP
fsr-3462	691	4	the	the	DET
fsr-3462	691	5	results	result	NOUN
fsr-3462	691	6	also	also	ADV
fsr-3462	691	7	indicate	indicate	VERB
fsr-3462	691	8	that	that	SCONJ
fsr-3462	691	9	the	the	DET
fsr-3462	691	10	estimated	estimate	VERB
fsr-3462	691	11	probabilities	probability	NOUN
fsr-3462	691	12	and	and	CCONJ
fsr-3462	691	13	corresponding	corresponding	ADJ
fsr-3462	691	14	marginal	marginal	ADJ
fsr-3462	691	15	effects	effect	NOUN
fsr-3462	691	16	are	be	AUX
fsr-3462	691	17	lower	low	ADJ
fsr-3462	691	18	for	for	ADP
fsr-3462	691	19	the	the	DET
fsr-3462	691	20	level	level	NOUN
fsr-3462	691	21	b	b	PROPN
fsr-3462	691	22	financial	financial	ADJ
fsr-3462	691	23	illiteracy	illiteracy	NOUN
fsr-3462	691	24	individuals	individual	NOUN
fsr-3462	691	25	than	than	ADP
fsr-3462	691	26	the	the	DET
fsr-3462	691	27	other	other	ADJ
fsr-3462	691	28	two	two	NUM
fsr-3462	691	29	groups	group	NOUN
fsr-3462	691	30	.	.	PUNCT
fsr-3462	692	1	for	for	ADP
fsr-3462	692	2	level	level	NOUN
fsr-3462	692	3	b	b	NOUN
fsr-3462	692	4	,	,	PUNCT
fsr-3462	692	5	it	it	PRON
fsr-3462	692	6	appears	appear	VERB
fsr-3462	692	7	that	that	SCONJ
fsr-3462	692	8	they	they	PRON
fsr-3462	692	9	benefit	benefit	VERB
fsr-3462	692	10	the	the	DET
fsr-3462	692	11	most	most	ADJ
fsr-3462	692	12	from	from	ADP
fsr-3462	692	13	increased	increase	VERB
fsr-3462	692	14	interaction	interaction	NOUN
fsr-3462	692	15	with	with	ADP
fsr-3462	692	16	their	their	PRON
fsr-3462	692	17	parents	parent	NOUN
fsr-3462	692	18	(	(	PUNCT
fsr-3462	692	19	fepar	fepar	NOUN
fsr-3462	692	20	)	)	PUNCT
fsr-3462	692	21	,	,	PUNCT
fsr-3462	692	22	and	and	CCONJ
fsr-3462	692	23	recur	recur	VERB
fsr-3462	692	24	less	less	ADV
fsr-3462	692	25	to	to	ADP
fsr-3462	692	26	more	more	ADJ
fsr-3462	692	27	credit	credit	NOUN
fsr-3462	692	28	cards	card	NOUN
fsr-3462	692	29	and	and	CCONJ
fsr-3462	692	30	consequently	consequently	ADV
fsr-3462	692	31	have	have	VERB
fsr-3462	692	32	a	a	DET
fsr-3462	692	33	lower	low	ADJ
fsr-3462	692	34	negative	negative	ADJ
fsr-3462	692	35	effect	effect	NOUN
fsr-3462	692	36	on	on	ADP
fsr-3462	692	37	repayment	repayment	NOUN
fsr-3462	692	38	as	as	SCONJ
fsr-3462	692	39	the	the	DET
fsr-3462	692	40	number	number	NOUN
fsr-3462	692	41	of	of	ADP
fsr-3462	692	42	credit	credit	NOUN
fsr-3462	692	43	cards	card	NOUN
fsr-3462	692	44	is	be	AUX
fsr-3462	692	45	increased	increase	VERB
fsr-3462	692	46	.	.	PUNCT
fsr-3462	693	1	thus	thus	ADV
fsr-3462	693	2	,	,	PUNCT
fsr-3462	693	3	it	it	PRON
fsr-3462	693	4	appears	appear	VERB
fsr-3462	693	5	that	that	SCONJ
fsr-3462	693	6	not	not	PART
fsr-3462	693	7	knowing	know	VERB
fsr-3462	693	8	about	about	ADP
fsr-3462	693	9	financial	financial	ADJ
fsr-3462	693	10	literacy	literacy	NOUN
fsr-3462	693	11	(	(	PUNCT
fsr-3462	693	12	dnk	dnk	NOUN
fsr-3462	693	13	)	)	PUNCT
fsr-3462	693	14	makes	make	VERB
fsr-3462	693	15	them	they	PRON
fsr-3462	693	16	act	act	VERB
fsr-3462	693	17	in	in	ADP
fsr-3462	693	18	a	a	DET
fsr-3462	693	19	more	more	ADV
fsr-3462	693	20	cautious	cautious	ADJ
fsr-3462	693	21	way	way	NOUN
fsr-3462	693	22	in	in	ADP
fsr-3462	693	23	relation	relation	NOUN
fsr-3462	693	24	to	to	ADP
fsr-3462	693	25	credit	credit	NOUN
fsr-3462	693	26	card	card	NOUN
fsr-3462	693	27	use	use	NOUN
fsr-3462	693	28	.	.	PUNCT
fsr-3462	694	1	furthermore	furthermore	ADV
fsr-3462	694	2	,	,	PUNCT
fsr-3462	694	3	the	the	DET
fsr-3462	694	4	robustness	robustness	NOUN
fsr-3462	694	5	of	of	ADP
fsr-3462	694	6	the	the	DET
fsr-3462	694	7	personality	personality	NOUN
fsr-3462	694	8	traits	trait	VERB
fsr-3462	694	9	manifestation	manifestation	NOUN
fsr-3462	694	10	in	in	ADP
fsr-3462	694	11	the	the	DET
fsr-3462	694	12	form	form	NOUN
fsr-3462	694	13	of	of	ADP
fsr-3462	694	14	overspending	overspending	NOUN
fsr-3462	694	15	are	be	AUX
fsr-3462	694	16	statistically	statistically	ADV
fsr-3462	694	17	consistent	consistent	ADJ
fsr-3462	694	18	across	across	ADP
fsr-3462	694	19	all	all	DET
fsr-3462	694	20	estimated	estimate	VERB
fsr-3462	694	21	models	model	NOUN
fsr-3462	694	22	.	.	PUNCT
fsr-3462	695	1	in	in	ADP
fsr-3462	695	2	this	this	DET
fsr-3462	695	3	context	context	NOUN
fsr-3462	695	4	,	,	PUNCT
fsr-3462	695	5	it	it	PRON
fsr-3462	695	6	is	be	AUX
fsr-3462	695	7	more	more	ADV
fsr-3462	695	8	relevant	relevant	ADJ
fsr-3462	695	9	to	to	PART
fsr-3462	695	10	note	note	VERB
fsr-3462	695	11	that	that	SCONJ
fsr-3462	695	12	the	the	DET
fsr-3462	695	13	estimated	estimate	VERB
fsr-3462	695	14	marginal	marginal	ADJ
fsr-3462	695	15	effects	effect	NOUN
fsr-3462	695	16	of	of	ADP
fsr-3462	695	17	changes	change	NOUN
fsr-3462	695	18	in	in	ADP
fsr-3462	695	19	this	this	DET
fsr-3462	695	20	behavioral	behavioral	ADJ
fsr-3462	695	21	variable	variable	NOUN
fsr-3462	695	22	are	be	AUX
fsr-3462	695	23	also	also	ADV
fsr-3462	695	24	consistent	consistent	ADJ
fsr-3462	695	25	even	even	ADV
fsr-3462	695	26	after	after	ADP
fsr-3462	695	27	controlling	control	VERB
fsr-3462	695	28	for	for	ADP
fsr-3462	695	29	the	the	DET
fsr-3462	695	30	different	different	ADJ
fsr-3462	695	31	levels	level	NOUN
fsr-3462	695	32	of	of	ADP
fsr-3462	695	33	financial	financial	ADJ
fsr-3462	695	34	literacy	literacy	NOUN
fsr-3462	695	35	and	and	CCONJ
fsr-3462	695	36	financial	financial	ADJ
fsr-3462	695	37	(	(	PUNCT
fsr-3462	695	38	il)literacy	il)literacy	NOUN
fsr-3462	695	39	levels	level	NOUN
fsr-3462	695	40	a	a	PRON
fsr-3462	695	41	and	and	CCONJ
fsr-3462	695	42	b.	b.	PROPN
fsr-3462	695	43	in	in	ADP
fsr-3462	695	44	other	other	ADJ
fsr-3462	695	45	words	word	NOUN
fsr-3462	695	46	,	,	PUNCT
fsr-3462	695	47	our	our	PRON
fsr-3462	695	48	estimated	estimate	VERB
fsr-3462	695	49	probabilities	probability	NOUN
fsr-3462	695	50	and	and	CCONJ
fsr-3462	695	51	related	relate	VERB
fsr-3462	695	52	marginal	marginal	ADJ
fsr-3462	695	53	changes	change	NOUN
fsr-3462	695	54	of	of	ADP
fsr-3462	695	55	increases	increase	NOUN
fsr-3462	695	56	in	in	ADP
fsr-3462	695	57	overspending	overspending	NOUN
fsr-3462	695	58	seem	seem	VERB
fsr-3462	695	59	to	to	PART
fsr-3462	695	60	be	be	AUX
fsr-3462	695	61	independent	independent	ADJ
fsr-3462	695	62	of	of	ADP
fsr-3462	695	63	financial	financial	ADJ
fsr-3462	695	64	literacy	literacy	NOUN
fsr-3462	695	65	.	.	PUNCT
fsr-3462	696	1	this	this	DET
fsr-3462	696	2	result	result	NOUN
fsr-3462	696	3	,	,	PUNCT
fsr-3462	696	4	as	as	ADV
fsr-3462	696	5	far	far	ADV
fsr-3462	696	6	as	as	SCONJ
fsr-3462	696	7	we	we	PRON
fsr-3462	696	8	are	be	AUX
fsr-3462	696	9	aware	aware	ADJ
fsr-3462	696	10	of	of	ADP
fsr-3462	696	11	,	,	PUNCT
fsr-3462	696	12	is	be	AUX
fsr-3462	696	13	unique	unique	ADJ
fsr-3462	696	14	and	and	CCONJ
fsr-3462	696	15	not	not	PART
fsr-3462	696	16	present	present	ADJ
fsr-3462	696	17	in	in	ADP
fsr-3462	696	18	the	the	DET
fsr-3462	696	19	extant	extant	ADJ
fsr-3462	696	20	literature	literature	NOUN
fsr-3462	696	21	.	.	PUNCT
fsr-3462	697	1	as	as	ADP
fsr-3462	697	2	such	such	ADJ
fsr-3462	697	3	,	,	PUNCT
fsr-3462	697	4	we	we	PRON
fsr-3462	697	5	argue	argue	VERB
fsr-3462	697	6	that	that	SCONJ
fsr-3462	697	7	financial	financial	ADJ
fsr-3462	697	8	literacy	literacy	NOUN
fsr-3462	697	9	has	have	VERB
fsr-3462	697	10	a	a	DET
fsr-3462	697	11	limited	limited	ADJ
fsr-3462	697	12	impact	impact	NOUN
fsr-3462	697	13	on	on	ADP
fsr-3462	697	14	modifying	modify	VERB
fsr-3462	697	15	personality	personality	NOUN
fsr-3462	697	16	traits	trait	NOUN
fsr-3462	697	17	and	and	CCONJ
fsr-3462	697	18	related	related	ADJ
fsr-3462	697	19	behavior	behavior	NOUN
fsr-3462	697	20	.	.	PUNCT
fsr-3462	698	1	it	it	PRON
fsr-3462	698	2	appears	appear	VERB
fsr-3462	698	3	,	,	PUNCT
fsr-3462	698	4	that	that	SCONJ
fsr-3462	698	5	early	early	ADJ
fsr-3462	698	6	intervention	intervention	NOUN
fsr-3462	698	7	and	and	CCONJ
fsr-3462	698	8	an	an	DET
fsr-3462	698	9	increase	increase	NOUN
fsr-3462	698	10	in	in	ADP
fsr-3462	698	11	financial	financial	ADJ
fsr-3462	698	12	literacy	literacy	NOUN
fsr-3462	698	13	at	at	ADP
fsr-3462	698	14	early	early	ADJ
fsr-3462	698	15	stages	stage	NOUN
fsr-3462	698	16	in	in	ADP
fsr-3462	698	17	life	life	NOUN
fsr-3462	698	18	,	,	PUNCT
fsr-3462	698	19	primarily	primarily	ADV
fsr-3462	698	20	through	through	ADP
fsr-3462	698	21	parental	parental	ADJ
fsr-3462	698	22	education	education	NOUN
fsr-3462	698	23	,	,	PUNCT
fsr-3462	698	24	may	may	AUX
fsr-3462	698	25	have	have	VERB
fsr-3462	698	26	the	the	DET
fsr-3462	698	27	largest	large	ADJ
fsr-3462	698	28	offsetting	offsetting	ADJ
fsr-3462	698	29	effects	effect	NOUN
fsr-3462	698	30	to	to	ADP
fsr-3462	698	31	personality	personality	NOUN
fsr-3462	698	32	traits	trait	NOUN
fsr-3462	698	33	leading	lead	VERB
fsr-3462	698	34	to	to	ADP
fsr-3462	698	35	poor	poor	ADJ
fsr-3462	698	36	financial	financial	ADJ
fsr-3462	698	37	decision	decision	NOUN
fsr-3462	698	38	making	making	NOUN
fsr-3462	698	39	.	.	PUNCT
fsr-3462	699	1	5	5	X
fsr-3462	699	2	.	.	X
fsr-3462	699	3	conclusions	conclusion	NOUN
fsr-3462	699	4	the	the	DET
fsr-3462	699	5	empirical	empirical	ADJ
fsr-3462	699	6	evidence	evidence	NOUN
fsr-3462	699	7	in	in	ADP
fsr-3462	699	8	this	this	DET
fsr-3462	699	9	paper	paper	NOUN
fsr-3462	699	10	demonstrates	demonstrate	VERB
fsr-3462	699	11	that	that	SCONJ
fsr-3462	699	12	financial	financial	ADJ
fsr-3462	699	13	behavior	behavior	NOUN
fsr-3462	699	14	,	,	PUNCT
fsr-3462	699	15	measured	measure	VERB
fsr-3462	699	16	in	in	ADP
fsr-3462	699	17	terms	term	NOUN
fsr-3462	699	18	of	of	ADP
fsr-3462	699	19	credit	credit	NOUN
fsr-3462	699	20	card	card	NOUN
fsr-3462	699	21	repayment	repayment	NOUN
fsr-3462	699	22	patterns	pattern	NOUN
fsr-3462	699	23	,	,	PUNCT
fsr-3462	699	24	is	be	AUX
fsr-3462	699	25	affected	affect	VERB
fsr-3462	699	26	more	more	ADV
fsr-3462	699	27	by	by	ADP
fsr-3462	699	28	personal	personal	ADJ
fsr-3462	699	29	traits	trait	NOUN
fsr-3462	699	30	than	than	ADP
fsr-3462	699	31	by	by	ADP
fsr-3462	699	32	financial	financial	ADJ
fsr-3462	699	33	literacy	literacy	NOUN
fsr-3462	699	34	.	.	PUNCT
fsr-3462	700	1	this	this	PRON
fsr-3462	700	2	is	be	AUX
fsr-3462	700	3	to	to	PART
fsr-3462	700	4	say	say	VERB
fsr-3462	700	5	,	,	PUNCT
fsr-3462	700	6	that	that	SCONJ
fsr-3462	700	7	financial	financial	ADJ
fsr-3462	700	8	decisions	decision	NOUN
fsr-3462	700	9	are	be	AUX
fsr-3462	700	10	made	make	VERB
fsr-3462	700	11	mainly	mainly	ADV
fsr-3462	700	12	based	base	VERB
fsr-3462	700	13	on	on	ADP
fsr-3462	700	14	personal	personal	ADJ
fsr-3462	700	15	traits	trait	NOUN
fsr-3462	700	16	or	or	CCONJ
fsr-3462	700	17	behavioral	behavioral	ADJ
fsr-3462	700	18	factors	factor	NOUN
fsr-3462	700	19	.	.	PUNCT
fsr-3462	701	1	behavioral	behavioral	ADJ
fsr-3462	701	2	variables	variable	NOUN
fsr-3462	701	3	,	,	PUNCT
fsr-3462	701	4	such	such	ADJ
fsr-3462	701	5	overspending	overspending	NOUN
fsr-3462	701	6	,	,	PUNCT
fsr-3462	701	7	drive	drive	VERB
fsr-3462	701	8	the	the	DET
fsr-3462	701	9	accumulation	accumulation	NOUN
fsr-3462	701	10	of	of	ADP
fsr-3462	701	11	credit	credit	NOUN
fsr-3462	701	12	card	card	NOUN
fsr-3462	701	13	debt	debt	NOUN
fsr-3462	701	14	and	and	CCONJ
fsr-3462	701	15	result	result	VERB
fsr-3462	701	16	in	in	ADP
fsr-3462	701	17	less	less	ADJ
fsr-3462	701	18	than	than	ADP
fsr-3462	701	19	optimal	optimal	ADJ
fsr-3462	701	20	repayment	repayment	NOUN
fsr-3462	701	21	.	.	PUNCT
fsr-3462	702	1	financial	financial	ADJ
fsr-3462	702	2	knowledge	knowledge	NOUN
fsr-3462	702	3	derived	derive	VERB
fsr-3462	702	4	from	from	ADP
fsr-3462	702	5	g.	g.	PROPN
fsr-3462	702	6	barboza	barboza	PROPN
fsr-3462	702	7	et	et	PROPN
fsr-3462	702	8	al	al	PROPN
fsr-3462	702	9	.	.	PUNCT
fsr-3462	702	10	/	/	SYM
fsr-3462	702	11	financial	financial	ADJ
fsr-3462	702	12	services	service	NOUN
fsr-3462	702	13	review	review	VERB
fsr-3462	702	14	29	29	NUM
fsr-3462	702	15	(	(	PUNCT
fsr-3462	702	16	2021	2021	NUM
fsr-3462	702	17	)	)	PUNCT
fsr-3462	702	18	247–276	247–276	NUM
fsr-3462	702	19	271	271	NUM
fsr-3462	702	20	parental	parental	ADJ
fsr-3462	702	21	interaction	interaction	NOUN
fsr-3462	702	22	with	with	ADP
fsr-3462	702	23	children	child	NOUN
fsr-3462	702	24	seems	seem	VERB
fsr-3462	702	25	to	to	PART
fsr-3462	702	26	be	be	AUX
fsr-3462	702	27	the	the	DET
fsr-3462	702	28	form	form	NOUN
fsr-3462	702	29	of	of	ADP
fsr-3462	702	30	financial	financial	ADJ
fsr-3462	702	31	knowledge	knowledge	NOUN
fsr-3462	702	32	most	most	ADV
fsr-3462	702	33	relevant	relevant	ADJ
fsr-3462	702	34	in	in	ADP
fsr-3462	702	35	positively	positively	ADV
fsr-3462	702	36	influencing	influence	VERB
fsr-3462	702	37	credit	credit	NOUN
fsr-3462	702	38	card	card	NOUN
fsr-3462	702	39	repayment	repayment	NOUN
fsr-3462	702	40	.	.	PUNCT
fsr-3462	703	1	individuals	individual	NOUN
fsr-3462	703	2	with	with	ADP
fsr-3462	703	3	self	self	NOUN
fsr-3462	703	4	-	-	PUNCT
fsr-3462	703	5	assessed	assess	VERB
fsr-3462	703	6	lower	low	ADJ
fsr-3462	703	7	level	level	NOUN
fsr-3462	703	8	of	of	ADP
fsr-3462	703	9	financial	financial	ADJ
fsr-3462	703	10	literacy	literacy	NOUN
fsr-3462	703	11	(	(	PUNCT
fsr-3462	703	12	dnk	dnk	NOUN
fsr-3462	703	13	answers	answer	NOUN
fsr-3462	703	14	)	)	PUNCT
fsr-3462	703	15	display	display	VERB
fsr-3462	703	16	diverse	diverse	ADJ
fsr-3462	703	17	behaviors	behavior	NOUN
fsr-3462	703	18	(	(	PUNCT
fsr-3462	703	19	credit	credit	NOUN
fsr-3462	703	20	card	card	NOUN
fsr-3462	703	21	repayment	repayment	NOUN
fsr-3462	703	22	patterns	pattern	NOUN
fsr-3462	703	23	)	)	PUNCT
fsr-3462	703	24	as	as	SCONJ
fsr-3462	703	25	opposed	oppose	VERB
fsr-3462	703	26	to	to	ADP
fsr-3462	703	27	individuals	individual	NOUN
fsr-3462	703	28	who	who	PRON
fsr-3462	703	29	do	do	AUX
fsr-3462	703	30	not	not	PART
fsr-3462	703	31	possess	possess	VERB
fsr-3462	703	32	basic	basic	ADJ
fsr-3462	703	33	financial	financial	ADJ
fsr-3462	703	34	literacy	literacy	NOUN
fsr-3462	703	35	(	(	PUNCT
fsr-3462	703	36	wrong	wrong	ADJ
fsr-3462	703	37	answers	answer	NOUN
fsr-3462	703	38	)	)	PUNCT
fsr-3462	703	39	even	even	ADV
fsr-3462	703	40	after	after	ADP
fsr-3462	703	41	controlling	control	VERB
fsr-3462	703	42	for	for	ADP
fsr-3462	703	43	cognitive	cognitive	ADJ
fsr-3462	703	44	or	or	CCONJ
fsr-3462	703	45	personal	personal	ADJ
fsr-3462	703	46	trait	trait	NOUN
fsr-3462	703	47	factors	factor	NOUN
fsr-3462	703	48	.	.	PUNCT
fsr-3462	704	1	in	in	ADP
fsr-3462	704	2	our	our	PRON
fsr-3462	704	3	context	context	NOUN
fsr-3462	704	4	,	,	PUNCT
fsr-3462	704	5	it	it	PRON
fsr-3462	704	6	appears	appear	VERB
fsr-3462	704	7	that	that	SCONJ
fsr-3462	704	8	financial	financial	ADJ
fsr-3462	704	9	literacy	literacy	NOUN
fsr-3462	704	10	has	have	VERB
fsr-3462	704	11	a	a	DET
fsr-3462	704	12	limited	limited	ADJ
fsr-3462	704	13	positive	positive	ADJ
fsr-3462	704	14	benefit	benefit	NOUN
fsr-3462	704	15	in	in	ADP
fsr-3462	704	16	shaping	shape	VERB
fsr-3462	704	17	financial	financial	ADJ
fsr-3462	704	18	decisions	decision	NOUN
fsr-3462	704	19	.	.	PUNCT
fsr-3462	705	1	previous	previous	ADJ
fsr-3462	705	2	evidence	evidence	NOUN
fsr-3462	705	3	is	be	AUX
fsr-3462	705	4	mixed	mix	VERB
fsr-3462	705	5	on	on	ADP
fsr-3462	705	6	this	this	DET
fsr-3462	705	7	specific	specific	ADJ
fsr-3462	705	8	issue	issue	NOUN
fsr-3462	705	9	:	:	PUNCT
fsr-3462	705	10	although	although	SCONJ
fsr-3462	705	11	there	there	PRON
fsr-3462	705	12	is	be	VERB
fsr-3462	705	13	ample	ample	ADJ
fsr-3462	705	14	evidence	evidence	NOUN
fsr-3462	705	15	supporting	support	VERB
fsr-3462	705	16	that	that	SCONJ
fsr-3462	705	17	higher	high	ADJ
fsr-3462	705	18	financial	financial	ADJ
fsr-3462	705	19	knowledge	knowledge	NOUN
fsr-3462	705	20	translate	translate	VERB
fsr-3462	705	21	into	into	ADP
fsr-3462	705	22	less	less	ADV
fsr-3462	705	23	risky	risky	ADJ
fsr-3462	705	24	credit	credit	NOUN
fsr-3462	705	25	card	card	NOUN
fsr-3462	705	26	use	use	NOUN
fsr-3462	705	27	(	(	PUNCT
fsr-3462	705	28	norvilitis	norvilitis	PROPN
fsr-3462	705	29	et	et	PROPN
fsr-3462	705	30	al	al	PROPN
fsr-3462	705	31	.	.	PROPN
fsr-3462	705	32	,	,	PUNCT
fsr-3462	705	33	2006	2006	NUM
fsr-3462	705	34	;	;	PUNCT
fsr-3462	705	35	robb	robb	NOUN
fsr-3462	705	36	,	,	PUNCT
fsr-3462	705	37	2011	2011	NUM
fsr-3462	705	38	;	;	PUNCT
fsr-3462	705	39	shim	shim	NOUN
fsr-3462	705	40	et	et	PROPN
fsr-3462	705	41	al	al	PROPN
fsr-3462	705	42	.	.	PROPN
fsr-3462	705	43	,	,	PUNCT
fsr-3462	705	44	2009	2009	NUM
fsr-3462	705	45	,	,	PUNCT
fsr-3462	705	46	2010	2010	NUM
fsr-3462	705	47	)	)	PUNCT
fsr-3462	705	48	,	,	PUNCT
fsr-3462	705	49	other	other	ADJ
fsr-3462	705	50	researches	research	NOUN
fsr-3462	705	51	have	have	AUX
fsr-3462	705	52	reported	report	VERB
fsr-3462	705	53	greater	great	ADJ
fsr-3462	705	54	financial	financial	ADJ
fsr-3462	705	55	knowledge	knowledge	NOUN
fsr-3462	705	56	was	be	AUX
fsr-3462	705	57	associated	associate	VERB
fsr-3462	705	58	with	with	ADP
fsr-3462	705	59	lower	low	ADJ
fsr-3462	705	60	fear	fear	NOUN
fsr-3462	705	61	about	about	ADP
fsr-3462	705	62	using	use	VERB
fsr-3462	705	63	credit	credit	NOUN
fsr-3462	705	64	cards	card	NOUN
fsr-3462	705	65	and	and	CCONJ
fsr-3462	705	66	greater	great	ADJ
fsr-3462	705	67	levels	level	NOUN
fsr-3462	705	68	of	of	ADP
fsr-3462	705	69	debt	debt	NOUN
fsr-3462	705	70	(	(	PUNCT
fsr-3462	705	71	borden	borden	PROPN
fsr-3462	705	72	et	et	PROPN
fsr-3462	705	73	al	al	PROPN
fsr-3462	705	74	.	.	PROPN
fsr-3462	705	75	2008	2008	NUM
fsr-3462	705	76	;	;	PUNCT
fsr-3462	705	77	lyons	lyons	PROPN
fsr-3462	705	78	&	&	CCONJ
fsr-3462	705	79	rogers	rogers	PROPN
fsr-3462	705	80	,	,	PUNCT
fsr-3462	705	81	2004	2004	NUM
fsr-3462	705	82	;	;	PUNCT
fsr-3462	705	83	robb	robb	NOUN
fsr-3462	705	84	&	&	CCONJ
fsr-3462	705	85	sharpe	sharpe	PROPN
fsr-3462	705	86	,	,	PUNCT
fsr-3462	705	87	2009	2009	NUM
fsr-3462	705	88	)	)	PUNCT
fsr-3462	705	89	.	.	PUNCT
fsr-3462	706	1	one	one	NUM
fsr-3462	706	2	possible	possible	ADJ
fsr-3462	706	3	explanation	explanation	NOUN
fsr-3462	706	4	for	for	ADP
fsr-3462	706	5	these	these	DET
fsr-3462	706	6	mixed	mixed	ADJ
fsr-3462	706	7	results	result	NOUN
fsr-3462	706	8	could	could	AUX
fsr-3462	706	9	depend	depend	VERB
fsr-3462	706	10	on	on	ADP
fsr-3462	706	11	how	how	SCONJ
fsr-3462	706	12	financial	financial	ADJ
fsr-3462	706	13	knowledge	knowledge	NOUN
fsr-3462	706	14	is	be	AUX
fsr-3462	706	15	operationalized	operationalize	VERB
fsr-3462	706	16	and	and	CCONJ
fsr-3462	706	17	measured	measure	VERB
fsr-3462	706	18	.	.	PUNCT
fsr-3462	707	1	for	for	ADP
fsr-3462	707	2	instance	instance	NOUN
fsr-3462	707	3	,	,	PUNCT
fsr-3462	707	4	our	our	PRON
fsr-3462	707	5	study	study	NOUN
fsr-3462	707	6	levers	lever	NOUN
fsr-3462	707	7	up	up	ADP
fsr-3462	707	8	the	the	DET
fsr-3462	707	9	traditional	traditional	ADJ
fsr-3462	707	10	financial	financial	ADJ
fsr-3462	707	11	literacy	literacy	NOUN
fsr-3462	707	12	questions	question	NOUN
fsr-3462	707	13	developed	develop	VERB
fsr-3462	707	14	by	by	ADP
fsr-3462	707	15	lusardi	lusardi	PROPN
fsr-3462	707	16	&	&	CCONJ
fsr-3462	707	17	mitchell	mitchell	PROPN
fsr-3462	707	18	(	(	PUNCT
fsr-3462	707	19	2014	2014	NUM
fsr-3462	707	20	)	)	PUNCT
fsr-3462	707	21	while	while	SCONJ
fsr-3462	707	22	robb	robb	NOUN
fsr-3462	707	23	(	(	PUNCT
fsr-3462	707	24	2011	2011	NUM
fsr-3462	707	25	)	)	PUNCT
fsr-3462	707	26	uses	use	VERB
fsr-3462	707	27	a	a	DET
fsr-3462	707	28	financial	financial	ADJ
fsr-3462	707	29	knowledge	knowledge	NOUN
fsr-3462	707	30	score	score	NOUN
fsr-3462	707	31	specifically	specifically	ADV
fsr-3462	707	32	designed	design	VERB
fsr-3462	707	33	to	to	PART
fsr-3462	707	34	uncover	uncover	VERB
fsr-3462	707	35	specific	specific	ADJ
fsr-3462	707	36	knowledge	knowledge	NOUN
fsr-3462	707	37	about	about	ADP
fsr-3462	707	38	credit	credit	NOUN
fsr-3462	707	39	card	card	NOUN
fsr-3462	707	40	use	use	NOUN
fsr-3462	707	41	.	.	PUNCT
fsr-3462	708	1	different	different	ADJ
fsr-3462	708	2	results	result	NOUN
fsr-3462	708	3	could	could	AUX
fsr-3462	708	4	be	be	AUX
fsr-3462	708	5	related	relate	VERB
fsr-3462	708	6	to	to	ADP
fsr-3462	708	7	imprecise	imprecise	ADJ
fsr-3462	708	8	measurement	measurement	NOUN
fsr-3462	708	9	of	of	ADP
fsr-3462	708	10	a	a	DET
fsr-3462	708	11	latent	latent	NOUN
fsr-3462	708	12	variable	variable	NOUN
fsr-3462	708	13	such	such	ADJ
fsr-3462	708	14	as	as	ADP
fsr-3462	708	15	financial	financial	ADJ
fsr-3462	708	16	knowledge	knowledge	NOUN
fsr-3462	708	17	.	.	PUNCT
fsr-3462	709	1	results	result	NOUN
fsr-3462	709	2	from	from	ADP
fsr-3462	709	3	the	the	DET
fsr-3462	709	4	parsimonious	parsimonious	ADJ
fsr-3462	709	5	model	model	NOUN
fsr-3462	709	6	specification	specification	NOUN
fsr-3462	709	7	also	also	ADV
fsr-3462	709	8	indicate	indicate	VERB
fsr-3462	709	9	the	the	DET
fsr-3462	709	10	presence	presence	NOUN
fsr-3462	709	11	of	of	ADP
fsr-3462	709	12	robust	robust	ADJ
fsr-3462	709	13	behavior	behavior	NOUN
fsr-3462	709	14	patterns	pattern	NOUN
fsr-3462	709	15	along	along	ADP
fsr-3462	709	16	personality	personality	NOUN
fsr-3462	709	17	traits	trait	NOUN
fsr-3462	709	18	.	.	PUNCT
fsr-3462	710	1	present	present	ADJ
fsr-3462	710	2	-	-	PUNCT
fsr-3462	710	3	bias	bias	NOUN
fsr-3462	710	4	behavior	behavior	NOUN
fsr-3462	710	5	,	,	PUNCT
fsr-3462	710	6	overconfidence	overconfidence	NOUN
fsr-3462	710	7	and	and	CCONJ
fsr-3462	710	8	lack	lack	NOUN
fsr-3462	710	9	of	of	ADP
fsr-3462	710	10	control	control	NOUN
fsr-3462	710	11	seem	seem	VERB
fsr-3462	710	12	to	to	PART
fsr-3462	710	13	be	be	AUX
fsr-3462	710	14	the	the	DET
fsr-3462	710	15	main	main	ADJ
fsr-3462	710	16	drivers	driver	NOUN
fsr-3462	710	17	of	of	ADP
fsr-3462	710	18	credit	credit	NOUN
fsr-3462	710	19	card	card	NOUN
fsr-3462	710	20	use	use	NOUN
fsr-3462	710	21	,	,	PUNCT
fsr-3462	710	22	and	and	CCONJ
fsr-3462	710	23	consequently	consequently	ADV
fsr-3462	710	24	of	of	ADP
fsr-3462	710	25	credit	credit	NOUN
fsr-3462	710	26	card	card	NOUN
fsr-3462	710	27	repayment	repayment	NOUN
fsr-3462	710	28	.	.	PUNCT
fsr-3462	711	1	now	now	ADV
fsr-3462	711	2	,	,	PUNCT
fsr-3462	711	3	with	with	ADP
fsr-3462	711	4	the	the	DET
fsr-3462	711	5	existent	existent	ADJ
fsr-3462	711	6	data	datum	NOUN
fsr-3462	711	7	,	,	PUNCT
fsr-3462	711	8	we	we	PRON
fsr-3462	711	9	can	can	AUX
fsr-3462	711	10	measure	measure	VERB
fsr-3462	711	11	the	the	DET
fsr-3462	711	12	impact	impact	NOUN
fsr-3462	711	13	of	of	ADP
fsr-3462	711	14	behavioral	behavioral	ADJ
fsr-3462	711	15	differences	difference	NOUN
fsr-3462	711	16	while	while	SCONJ
fsr-3462	711	17	controlling	control	VERB
fsr-3462	711	18	for	for	ADP
fsr-3462	711	19	financial	financial	ADJ
fsr-3462	711	20	(	(	PUNCT
fsr-3462	711	21	il)literacy	il)literacy	NOUN
fsr-3462	711	22	,	,	PUNCT
fsr-3462	711	23	but	but	CCONJ
fsr-3462	711	24	we	we	PRON
fsr-3462	711	25	can	can	AUX
fsr-3462	711	26	not	not	PART
fsr-3462	711	27	measure	measure	VERB
fsr-3462	711	28	the	the	DET
fsr-3462	711	29	possible	possible	ADJ
fsr-3462	711	30	gains	gain	NOUN
fsr-3462	711	31	in	in	ADP
fsr-3462	711	32	behavioral	behavioral	ADJ
fsr-3462	711	33	actions	action	NOUN
fsr-3462	711	34	/	/	SYM
fsr-3462	711	35	responses	response	NOUN
fsr-3462	711	36	due	due	ADJ
fsr-3462	711	37	to	to	ADP
fsr-3462	711	38	increases	increase	NOUN
fsr-3462	711	39	in	in	ADP
fsr-3462	711	40	financial	financial	ADJ
fsr-3462	711	41	literacy	literacy	NOUN
fsr-3462	711	42	.	.	PUNCT
fsr-3462	712	1	it	it	PRON
fsr-3462	712	2	is	be	AUX
fsr-3462	712	3	important	important	ADJ
fsr-3462	712	4	to	to	PART
fsr-3462	712	5	acknowledge	acknowledge	VERB
fsr-3462	712	6	this	this	DET
fsr-3462	712	7	caveat	caveat	NOUN
fsr-3462	712	8	in	in	ADP
fsr-3462	712	9	our	our	PRON
fsr-3462	712	10	study	study	NOUN
fsr-3462	712	11	to	to	ADP
fsr-3462	712	12	both	both	PRON
fsr-3462	712	13	avoid	avoid	VERB
fsr-3462	712	14	incorrect	incorrect	ADJ
fsr-3462	712	15	data	datum	NOUN
fsr-3462	712	16	interpretation	interpretation	NOUN
fsr-3462	712	17	,	,	PUNCT
fsr-3462	712	18	and	and	CCONJ
fsr-3462	712	19	to	to	PART
fsr-3462	712	20	set	set	VERB
fsr-3462	712	21	the	the	DET
fsr-3462	712	22	future	future	ADJ
fsr-3462	712	23	research	research	NOUN
fsr-3462	712	24	agenda	agenda	NOUN
fsr-3462	712	25	as	as	SCONJ
fsr-3462	712	26	we	we	PRON
fsr-3462	712	27	move	move	VERB
fsr-3462	712	28	forward	forward	ADV
fsr-3462	712	29	.	.	PUNCT
fsr-3462	713	1	in	in	ADP
fsr-3462	713	2	essence	essence	NOUN
fsr-3462	713	3	,	,	PUNCT
fsr-3462	713	4	the	the	DET
fsr-3462	713	5	long	long	ADJ
fsr-3462	713	6	-	-	PUNCT
fsr-3462	713	7	term	term	NOUN
fsr-3462	713	8	goal	goal	NOUN
fsr-3462	713	9	of	of	ADP
fsr-3462	713	10	the	the	DET
fsr-3462	713	11	financial	financial	ADJ
fsr-3462	713	12	education	education	NOUN
fsr-3462	713	13	or	or	CCONJ
fsr-3462	713	14	literacy	literacy	NOUN
fsr-3462	713	15	movement	movement	NOUN
fsr-3462	713	16	is	be	AUX
fsr-3462	713	17	to	to	PART
fsr-3462	713	18	provide	provide	VERB
fsr-3462	713	19	mechanisms	mechanism	NOUN
fsr-3462	713	20	to	to	PART
fsr-3462	713	21	positively	positively	ADV
fsr-3462	713	22	affect	affect	VERB
fsr-3462	713	23	economic	economic	ADJ
fsr-3462	713	24	behavior	behavior	NOUN
fsr-3462	713	25	that	that	PRON
fsr-3462	713	26	currently	currently	ADV
fsr-3462	713	27	result	result	VERB
fsr-3462	713	28	in	in	ADP
fsr-3462	713	29	costly	costly	ADJ
fsr-3462	713	30	and	and	CCONJ
fsr-3462	713	31	inefficient	inefficient	ADJ
fsr-3462	713	32	financial	financial	ADJ
fsr-3462	713	33	decisions	decision	NOUN
fsr-3462	713	34	.	.	PUNCT
fsr-3462	714	1	this	this	PRON
fsr-3462	714	2	is	be	AUX
fsr-3462	714	3	so	so	ADV
fsr-3462	714	4	,	,	PUNCT
fsr-3462	714	5	as	as	SCONJ
fsr-3462	714	6	financial	financial	ADJ
fsr-3462	714	7	behavior	behavior	NOUN
fsr-3462	714	8	is	be	AUX
fsr-3462	714	9	highly	highly	ADV
fsr-3462	714	10	determined	determine	VERB
fsr-3462	714	11	by	by	ADP
fsr-3462	714	12	preferences	preference	NOUN
fsr-3462	714	13	,	,	PUNCT
fsr-3462	714	14	and	and	CCONJ
fsr-3462	714	15	these	these	DET
fsr-3462	714	16	preferences	preference	NOUN
fsr-3462	714	17	may	may	AUX
fsr-3462	714	18	or	or	CCONJ
fsr-3462	714	19	may	may	AUX
fsr-3462	714	20	not	not	PART
fsr-3462	714	21	be	be	AUX
fsr-3462	714	22	a	a	DET
fsr-3462	714	23	function	function	NOUN
fsr-3462	714	24	of	of	ADP
fsr-3462	714	25	financial	financial	ADJ
fsr-3462	714	26	literacy	literacy	NOUN
fsr-3462	714	27	.	.	PUNCT
fsr-3462	715	1	if	if	SCONJ
fsr-3462	715	2	financial	financial	ADJ
fsr-3462	715	3	literacy	literacy	NOUN
fsr-3462	715	4	does	do	AUX
fsr-3462	715	5	affect	affect	VERB
fsr-3462	715	6	individuals	individual	NOUN
fsr-3462	715	7	’	’	PART
fsr-3462	715	8	preferences	preference	NOUN
fsr-3462	715	9	and	and	CCONJ
fsr-3462	715	10	decision	decision	NOUN
fsr-3462	715	11	-	-	PUNCT
fsr-3462	715	12	making	make	VERB
fsr-3462	715	13	processes	process	NOUN
fsr-3462	715	14	then	then	ADV
fsr-3462	715	15	one	one	PRON
fsr-3462	715	16	would	would	AUX
fsr-3462	715	17	expect	expect	VERB
fsr-3462	715	18	that	that	SCONJ
fsr-3462	715	19	higher	high	ADJ
fsr-3462	715	20	levels	level	NOUN
fsr-3462	715	21	of	of	ADP
fsr-3462	715	22	financial	financial	ADJ
fsr-3462	715	23	literacy	literacy	NOUN
fsr-3462	715	24	result	result	NOUN
fsr-3462	715	25	in	in	ADP
fsr-3462	715	26	a	a	DET
fsr-3462	715	27	series	series	NOUN
fsr-3462	715	28	of	of	ADP
fsr-3462	715	29	benefits	benefit	NOUN
fsr-3462	715	30	such	such	ADJ
fsr-3462	715	31	as	as	ADP
fsr-3462	715	32	:	:	PUNCT
fsr-3462	715	33	increased	increase	VERB
fsr-3462	715	34	saving	saving	NOUN
fsr-3462	715	35	,	,	PUNCT
fsr-3462	715	36	wiser	wise	ADJ
fsr-3462	715	37	investment	investment	NOUN
fsr-3462	715	38	decisions	decision	NOUN
fsr-3462	715	39	,	,	PUNCT
fsr-3462	715	40	lower	low	ADJ
fsr-3462	715	41	to	to	ADP
fsr-3462	715	42	no	no	DET
fsr-3462	715	43	month	month	NOUN
fsr-3462	715	44	-	-	PUNCT
fsr-3462	715	45	tomonth	tomonth	NOUN
fsr-3462	715	46	credit	credit	NOUN
fsr-3462	715	47	card	card	NOUN
fsr-3462	715	48	debt	debt	NOUN
fsr-3462	715	49	,	,	PUNCT
fsr-3462	715	50	higher	high	ADJ
fsr-3462	715	51	wealth	wealth	NOUN
fsr-3462	715	52	accumulation	accumulation	NOUN
fsr-3462	715	53	,	,	PUNCT
fsr-3462	715	54	and	and	CCONJ
fsr-3462	715	55	higher	high	ADJ
fsr-3462	715	56	retirement	retirement	NOUN
fsr-3462	715	57	savings	saving	NOUN
fsr-3462	715	58	.	.	PUNCT
fsr-3462	716	1	our	our	PRON
fsr-3462	716	2	findings	finding	NOUN
fsr-3462	716	3	are	be	AUX
fsr-3462	716	4	useful	useful	ADJ
fsr-3462	716	5	for	for	SCONJ
fsr-3462	716	6	policy	policy	NOUN
fsr-3462	716	7	makers	maker	NOUN
fsr-3462	716	8	to	to	PART
fsr-3462	716	9	implement	implement	VERB
fsr-3462	716	10	policies	policy	NOUN
fsr-3462	716	11	able	able	ADJ
fsr-3462	716	12	to	to	PART
fsr-3462	716	13	avoid	avoid	VERB
fsr-3462	716	14	,	,	PUNCT
fsr-3462	716	15	or	or	CCONJ
fsr-3462	716	16	reduce	reduce	VERB
fsr-3462	716	17	,	,	PUNCT
fsr-3462	716	18	deb	deb	NOUN
fsr-3462	716	19	trap	trap	NOUN
fsr-3462	716	20	and	and	CCONJ
fsr-3462	716	21	socio	socio	NOUN
fsr-3462	716	22	-	-	PUNCT
fsr-3462	716	23	economic	economic	ADJ
fsr-3462	716	24	vulnerability	vulnerability	NOUN
fsr-3462	716	25	of	of	ADP
fsr-3462	716	26	the	the	DET
fsr-3462	716	27	borrower	borrower	NOUN
fsr-3462	716	28	.	.	PUNCT
fsr-3462	717	1	for	for	ADP
fsr-3462	717	2	instance	instance	NOUN
fsr-3462	717	3	,	,	PUNCT
fsr-3462	717	4	it	it	PRON
fsr-3462	717	5	appears	appear	VERB
fsr-3462	717	6	that	that	SCONJ
fsr-3462	717	7	early	early	ADJ
fsr-3462	717	8	intervention	intervention	NOUN
fsr-3462	717	9	in	in	ADP
fsr-3462	717	10	terms	term	NOUN
fsr-3462	717	11	of	of	ADP
fsr-3462	717	12	financial	financial	ADJ
fsr-3462	717	13	education	education	NOUN
fsr-3462	717	14	may	may	AUX
fsr-3462	717	15	provide	provide	VERB
fsr-3462	717	16	the	the	DET
fsr-3462	717	17	necessary	necessary	ADJ
fsr-3462	717	18	means	mean	NOUN
fsr-3462	717	19	to	to	PART
fsr-3462	717	20	control	control	VERB
fsr-3462	717	21	endogenous	endogenous	ADJ
fsr-3462	717	22	costly	costly	ADJ
fsr-3462	717	23	personality	personality	NOUN
fsr-3462	717	24	traits	trait	NOUN
fsr-3462	717	25	.	.	PUNCT
fsr-3462	718	1	once	once	SCONJ
fsr-3462	718	2	the	the	DET
fsr-3462	718	3	personality	personality	NOUN
fsr-3462	718	4	trait	trait	NOUN
fsr-3462	718	5	has	have	AUX
fsr-3462	718	6	fully	fully	ADV
fsr-3462	718	7	developed	develop	VERB
fsr-3462	718	8	alternative	alternative	ADJ
fsr-3462	718	9	means	mean	NOUN
fsr-3462	718	10	of	of	ADP
fsr-3462	718	11	positively	positively	ADV
fsr-3462	718	12	impacting	impact	VERB
fsr-3462	718	13	financial	financial	ADJ
fsr-3462	718	14	decision	decision	NOUN
fsr-3462	718	15	making	making	NOUN
fsr-3462	718	16	might	might	AUX
fsr-3462	718	17	need	need	VERB
fsr-3462	718	18	to	to	PART
fsr-3462	718	19	be	be	AUX
fsr-3462	718	20	implemented	implement	VERB
fsr-3462	718	21	.	.	PUNCT
fsr-3462	719	1	as	as	ADP
fsr-3462	719	2	xiao	xiao	PROPN
fsr-3462	719	3	et	et	PROPN
fsr-3462	719	4	al	al	PROPN
fsr-3462	719	5	.	.	PROPN
fsr-3462	720	1	(	(	PUNCT
fsr-3462	720	2	2011	2011	NUM
fsr-3462	720	3	)	)	PUNCT
fsr-3462	720	4	highlight	highlight	PROPN
fsr-3462	720	5	,	,	PUNCT
fsr-3462	720	6	financial	financial	ADJ
fsr-3462	720	7	education	education	NOUN
fsr-3462	720	8	programs	program	NOUN
fsr-3462	720	9	should	should	AUX
fsr-3462	720	10	target	target	VERB
fsr-3462	720	11	the	the	DET
fsr-3462	720	12	multiple	multiple	ADJ
fsr-3462	720	13	psychological	psychological	ADJ
fsr-3462	720	14	processes	process	NOUN
fsr-3462	720	15	that	that	PRON
fsr-3462	720	16	lead	lead	VERB
fsr-3462	720	17	to	to	ADP
fsr-3462	720	18	changes	change	NOUN
fsr-3462	720	19	in	in	ADP
fsr-3462	720	20	attitude	attitude	NOUN
fsr-3462	720	21	and	and	CCONJ
fsr-3462	720	22	the	the	DET
fsr-3462	720	23	enhancement	enhancement	NOUN
fsr-3462	720	24	of	of	ADP
fsr-3462	720	25	self	self	NOUN
fsr-3462	720	26	-	-	PUNCT
fsr-3462	720	27	confidence	confidence	NOUN
fsr-3462	720	28	,	,	PUNCT
fsr-3462	720	29	that	that	ADV
fsr-3462	720	30	is	is	ADV
fsr-3462	720	31	,	,	PUNCT
fsr-3462	720	32	they	they	PRON
fsr-3462	720	33	should	should	AUX
fsr-3462	720	34	target	target	VERB
fsr-3462	720	35	and	and	CCONJ
fsr-3462	720	36	develop	develop	VERB
fsr-3462	720	37	students	student	NOUN
fsr-3462	720	38	’	'	PUNCT
fsr-3462	720	39	positive	positive	ADJ
fsr-3462	720	40	financial	financial	ADJ
fsr-3462	720	41	intentions	intention	NOUN
fsr-3462	720	42	.	.	PUNCT
fsr-3462	721	1	finally	finally	ADV
fsr-3462	721	2	,	,	PUNCT
fsr-3462	721	3	while	while	SCONJ
fsr-3462	721	4	being	be	AUX
fsr-3462	721	5	outside	outside	ADP
fsr-3462	721	6	the	the	DET
fsr-3462	721	7	scope	scope	NOUN
fsr-3462	721	8	of	of	ADP
fsr-3462	721	9	this	this	DET
fsr-3462	721	10	study	study	NOUN
fsr-3462	721	11	,	,	PUNCT
fsr-3462	721	12	further	further	ADJ
fsr-3462	721	13	research	research	NOUN
fsr-3462	721	14	on	on	ADP
fsr-3462	721	15	the	the	DET
fsr-3462	721	16	subject	subject	NOUN
fsr-3462	721	17	of	of	ADP
fsr-3462	721	18	financial	financial	ADJ
fsr-3462	721	19	anxiety	anxiety	NOUN
fsr-3462	721	20	and	and	CCONJ
fsr-3462	721	21	its	its	PRON
fsr-3462	721	22	relation	relation	NOUN
fsr-3462	721	23	to	to	ADP
fsr-3462	721	24	credit	credit	NOUN
fsr-3462	721	25	card	card	NOUN
fsr-3462	721	26	behavior	behavior	NOUN
fsr-3462	721	27	will	will	AUX
fsr-3462	721	28	need	need	VERB
fsr-3462	721	29	to	to	PART
fsr-3462	721	30	be	be	AUX
fsr-3462	721	31	explored	explore	VERB
fsr-3462	721	32	,	,	PUNCT
fsr-3462	721	33	particularly	particularly	ADV
fsr-3462	721	34	the	the	DET
fsr-3462	721	35	determination	determination	NOUN
fsr-3462	721	36	of	of	ADP
fsr-3462	721	37	the	the	DET
fsr-3462	721	38	causality	causality	NOUN
fsr-3462	721	39	between	between	ADP
fsr-3462	721	40	credit	credit	NOUN
fsr-3462	721	41	card	card	NOUN
fsr-3462	721	42	repayment	repayment	NOUN
fsr-3462	721	43	habit	habit	NOUN
fsr-3462	721	44	and	and	CCONJ
fsr-3462	721	45	financial	financial	ADJ
fsr-3462	721	46	anxiety	anxiety	NOUN
fsr-3462	721	47	.	.	PUNCT
fsr-3462	722	1	272	272	NUM
fsr-3462	722	2	g.	g.	PROPN
fsr-3462	722	3	barboza	barboza	PROPN
fsr-3462	722	4	et	et	PROPN
fsr-3462	722	5	al	al	PROPN
fsr-3462	722	6	.	.	PUNCT
fsr-3462	722	7	/	/	SYM
fsr-3462	722	8	financial	financial	ADJ
fsr-3462	722	9	services	service	NOUN
fsr-3462	722	10	review	review	VERB
fsr-3462	722	11	29	29	NUM
fsr-3462	722	12	(	(	PUNCT
fsr-3462	722	13	2021	2021	NUM
fsr-3462	722	14	)	)	PUNCT
fsr-3462	723	1	247–276	247–276	NUM
fsr-3462	723	2	the	the	DET
fsr-3462	723	3	tentative	tentative	ADJ
fsr-3462	723	4	hypothesis	hypothesis	NOUN
fsr-3462	723	5	states	state	NOUN
fsr-3462	723	6	that	that	SCONJ
fsr-3462	723	7	higher	high	ADJ
fsr-3462	723	8	financial	financial	ADJ
fsr-3462	723	9	anxiety	anxiety	NOUN
fsr-3462	723	10	should	should	AUX
fsr-3462	723	11	result	result	VERB
fsr-3462	723	12	in	in	ADP
fsr-3462	723	13	worse	bad	ADJ
fsr-3462	723	14	credit	credit	NOUN
fsr-3462	723	15	card	card	NOUN
fsr-3462	723	16	repayment	repayment	NOUN
fsr-3462	723	17	;	;	PUNCT
fsr-3462	723	18	thus	thus	ADV
fsr-3462	723	19	,	,	PUNCT
fsr-3462	723	20	future	future	ADJ
fsr-3462	723	21	research	research	NOUN
fsr-3462	723	22	could	could	AUX
fsr-3462	723	23	analyze	analyze	VERB
fsr-3462	723	24	in	in	ADP
fsr-3462	723	25	more	more	ADJ
fsr-3462	723	26	depth	depth	NOUN
fsr-3462	723	27	the	the	DET
fsr-3462	723	28	role	role	NOUN
fsr-3462	723	29	of	of	ADP
fsr-3462	723	30	psychological	psychological	ADJ
fsr-3462	723	31	aspects	aspect	NOUN
fsr-3462	723	32	and	and	CCONJ
fsr-3462	723	33	personality	personality	NOUN
fsr-3462	723	34	traits	trait	NOUN
fsr-3462	723	35	,	,	PUNCT
fsr-3462	723	36	in	in	ADP
fsr-3462	723	37	particular	particular	ADJ
fsr-3462	723	38	financial	financial	ADJ
fsr-3462	723	39	anxiety	anxiety	NOUN
fsr-3462	723	40	,	,	PUNCT
fsr-3462	723	41	in	in	ADP
fsr-3462	723	42	the	the	DET
fsr-3462	723	43	process	process	NOUN
fsr-3462	723	44	of	of	ADP
fsr-3462	723	45	financial	financial	ADJ
fsr-3462	723	46	decision	decision	NOUN
fsr-3462	723	47	-	-	PUNCT
fsr-3462	723	48	making	making	NOUN
fsr-3462	723	49	,	,	PUNCT
fsr-3462	723	50	that	that	PRON
fsr-3462	723	51	is	be	AUX
fsr-3462	723	52	the	the	DET
fsr-3462	723	53	possibility	possibility	NOUN
fsr-3462	723	54	and	and	CCONJ
fsr-3462	723	55	cause	cause	NOUN
fsr-3462	723	56	-	-	PUNCT
fsr-3462	723	57	effect	effect	NOUN
fsr-3462	723	58	that	that	SCONJ
fsr-3462	723	59	higher	high	ADJ
fsr-3462	723	60	credit	credit	NOUN
fsr-3462	723	61	card	card	NOUN
fsr-3462	723	62	balance	balance	NOUN
fsr-3462	723	63	may	may	AUX
fsr-3462	723	64	fuel	fuel	VERB
fsr-3462	723	65	anxiety	anxiety	NOUN
fsr-3462	723	66	and	and	CCONJ
fsr-3462	723	67	result	result	VERB
fsr-3462	723	68	in	in	ADP
fsr-3462	723	69	a	a	DET
fsr-3462	723	70	freeze	freeze	NOUN
fsr-3462	723	71	effect	effect	NOUN
fsr-3462	723	72	where	where	SCONJ
fsr-3462	723	73	individuals	individual	NOUN
fsr-3462	723	74	may	may	AUX
fsr-3462	723	75	not	not	PART
fsr-3462	723	76	improve	improve	VERB
fsr-3462	723	77	repayment	repayment	NOUN
fsr-3462	723	78	.	.	PUNCT
fsr-3462	724	1	notes	note	NOUN
fsr-3462	724	2	1	1	NUM
fsr-3462	724	3	in	in	ADP
fsr-3462	724	4	several	several	ADJ
fsr-3462	724	5	studies	study	NOUN
fsr-3462	724	6	,	,	PUNCT
fsr-3462	724	7	most	most	ADJ
fsr-3462	724	8	individuals	individual	NOUN
fsr-3462	724	9	report	report	VERB
fsr-3462	724	10	having	have	VERB
fsr-3462	724	11	higher	high	ADJ
fsr-3462	724	12	believed	believe	VERB
fsr-3462	724	13	level	level	NOUN
fsr-3462	724	14	of	of	ADP
fsr-3462	724	15	financial	financial	ADJ
fsr-3462	724	16	literacy	literacy	NOUN
fsr-3462	724	17	than	than	ADP
fsr-3462	724	18	actual	actual	ADJ
fsr-3462	724	19	correct	correct	ADJ
fsr-3462	724	20	scoring	scoring	NOUN
fsr-3462	724	21	on	on	ADP
fsr-3462	724	22	financial	financial	ADJ
fsr-3462	724	23	literacy	literacy	NOUN
fsr-3462	724	24	questionnaire	questionnaire	NOUN
fsr-3462	724	25	/	/	SYM
fsr-3462	724	26	surveys	survey	NOUN
fsr-3462	724	27	.	.	PUNCT
fsr-3462	725	1	see	see	VERB
fsr-3462	725	2	recent	recent	ADJ
fsr-3462	725	3	studies	study	NOUN
fsr-3462	725	4	by	by	ADP
fsr-3462	725	5	gflec	gflec	VERB
fsr-3462	725	6	at	at	ADP
fsr-3462	725	7	george	george	PROPN
fsr-3462	725	8	washington	washington	PROPN
fsr-3462	725	9	university	university	PROPN
fsr-3462	725	10	center	center	NOUN
fsr-3462	725	11	for	for	ADP
fsr-3462	725	12	some	some	DET
fsr-3462	725	13	examples	example	NOUN
fsr-3462	725	14	(	(	PUNCT
fsr-3462	725	15	almenberg	almenberg	PROPN
fsr-3462	725	16	et	et	PROPN
fsr-3462	725	17	al	al	PROPN
fsr-3462	725	18	.	.	PROPN
fsr-3462	725	19	,	,	PUNCT
fsr-3462	725	20	2016	2016	NUM
fsr-3462	725	21	)	)	PUNCT
fsr-3462	725	22	.	.	PUNCT
fsr-3462	726	1	2	2	NUM
fsr-3462	726	2	in	in	ADP
fsr-3462	726	3	a	a	DET
fsr-3462	726	4	recent	recent	ADJ
fsr-3462	726	5	papers	paper	NOUN
fsr-3462	726	6	kim	kim	PROPN
fsr-3462	726	7	and	and	CCONJ
fsr-3462	726	8	mountain	mountain	NOUN
fsr-3462	726	9	(	(	PUNCT
fsr-3462	726	10	2019	2019	NUM
fsr-3462	726	11	)	)	PUNCT
fsr-3462	726	12	suggest	suggest	VERB
fsr-3462	726	13	a	a	DET
fsr-3462	726	14	specific	specific	ADJ
fsr-3462	726	15	statistical	statistical	ADJ
fsr-3462	726	16	approach	approach	NOUN
fsr-3462	726	17	(	(	PUNCT
fsr-3462	726	18	binomial	binomial	ADJ
fsr-3462	726	19	-	-	PUNCT
fsr-3462	726	20	latent	latent	NOUN
fsr-3462	726	21	regression	regression	NOUN
fsr-3462	726	22	models	model	NOUN
fsr-3462	726	23	)	)	PUNCT
fsr-3462	726	24	to	to	PART
fsr-3462	726	25	specifically	specifically	ADV
fsr-3462	726	26	tackle	tackle	VERB
fsr-3462	726	27	the	the	DET
fsr-3462	726	28	issue	issue	NOUN
fsr-3462	726	29	of	of	ADP
fsr-3462	726	30	group	group	NOUN
fsr-3462	726	31	differences	difference	NOUN
fsr-3462	726	32	that	that	PRON
fsr-3462	726	33	are	be	AUX
fsr-3462	726	34	hidden	hide	VERB
fsr-3462	726	35	in	in	ADP
fsr-3462	726	36	dk	dk	PROPN
fsr-3462	726	37	/	/	SYM
fsr-3462	726	38	rf	rf	NOUN
fsr-3462	726	39	responses	response	NOUN
fsr-3462	726	40	.	.	PUNCT
fsr-3462	727	1	3	3	NUM
fsr-3462	727	2	aptitude	aptitude	NOUN
fsr-3462	727	3	is	be	AUX
fsr-3462	727	4	different	different	ADJ
fsr-3462	727	5	from	from	ADP
fsr-3462	727	6	attitude	attitude	NOUN
fsr-3462	727	7	:	:	PUNCT
fsr-3462	727	8	while	while	SCONJ
fsr-3462	727	9	attitude	attitude	NOUN
fsr-3462	727	10	is	be	AUX
fsr-3462	727	11	a	a	DET
fsr-3462	727	12	way	way	NOUN
fsr-3462	727	13	of	of	ADP
fsr-3462	727	14	looking	look	VERB
fsr-3462	727	15	at	at	ADP
fsr-3462	727	16	an	an	DET
fsr-3462	727	17	issue	issue	NOUN
fsr-3462	727	18	or	or	CCONJ
fsr-3462	727	19	an	an	DET
fsr-3462	727	20	object	object	NOUN
fsr-3462	727	21	,	,	PUNCT
fsr-3462	727	22	a	a	DET
fsr-3462	727	23	mental	mental	ADJ
fsr-3462	727	24	position	position	NOUN
fsr-3462	727	25	or	or	CCONJ
fsr-3462	727	26	way	way	NOUN
fsr-3462	727	27	of	of	ADP
fsr-3462	727	28	thinking	think	VERB
fsr-3462	727	29	about	about	ADP
fsr-3462	727	30	an	an	DET
fsr-3462	727	31	issue	issue	NOUN
fsr-3462	727	32	(	(	PUNCT
fsr-3462	727	33	in	in	ADP
fsr-3462	727	34	our	our	PRON
fsr-3462	727	35	case	case	NOUN
fsr-3462	727	36	financial	financial	ADJ
fsr-3462	727	37	matters	matter	NOUN
fsr-3462	727	38	)	)	PUNCT
fsr-3462	727	39	,	,	PUNCT
fsr-3462	727	40	the	the	DET
fsr-3462	727	41	concept	concept	NOUN
fsr-3462	727	42	of	of	ADP
fsr-3462	727	43	aptitude	aptitude	NOUN
fsr-3462	727	44	is	be	AUX
fsr-3462	727	45	akin	akin	ADJ
fsr-3462	727	46	to	to	ADP
fsr-3462	727	47	natural	natural	ADJ
fsr-3462	727	48	or	or	CCONJ
fsr-3462	727	49	acquired	acquire	VERB
fsr-3462	727	50	talent	talent	NOUN
fsr-3462	727	51	or	or	CCONJ
fsr-3462	727	52	ability	ability	NOUN
fsr-3462	727	53	,	,	PUNCT
fsr-3462	727	54	inclination	inclination	NOUN
fsr-3462	727	55	,	,	PUNCT
fsr-3462	727	56	predisposition	predisposition	NOUN
fsr-3462	727	57	.	.	PUNCT
fsr-3462	728	1	in	in	ADP
fsr-3462	728	2	this	this	DET
fsr-3462	728	3	sense	sense	NOUN
fsr-3462	728	4	,	,	PUNCT
fsr-3462	728	5	aptitude	aptitude	NOUN
fsr-3462	728	6	for	for	ADP
fsr-3462	728	7	financial	financial	ADJ
fsr-3462	728	8	matters	matter	NOUN
fsr-3462	728	9	could	could	AUX
fsr-3462	728	10	be	be	AUX
fsr-3462	728	11	learn	learn	VERB
fsr-3462	728	12	through	through	ADP
fsr-3462	728	13	financial	financial	ADJ
fsr-3462	728	14	education	education	NOUN
fsr-3462	728	15	as	as	SCONJ
fsr-3462	728	16	reflected	reflect	VERB
fsr-3462	728	17	by	by	ADP
fsr-3462	728	18	higher	high	ADJ
fsr-3462	728	19	levels	level	NOUN
fsr-3462	728	20	of	of	ADP
fsr-3462	728	21	financial	financial	ADJ
fsr-3462	728	22	literacy	literacy	NOUN
fsr-3462	728	23	.	.	PUNCT
fsr-3462	729	1	4	4	NUM
fsr-3462	729	2	the	the	DET
fsr-3462	729	3	questionnaire	questionnaire	NOUN
fsr-3462	729	4	has	have	AUX
fsr-3462	729	5	been	be	AUX
fsr-3462	729	6	successfully	successfully	ADV
fsr-3462	729	7	used	use	VERB
fsr-3462	729	8	to	to	PART
fsr-3462	729	9	capture	capture	VERB
fsr-3462	729	10	the	the	DET
fsr-3462	729	11	financial	financial	ADJ
fsr-3462	729	12	literacy	literacy	NOUN
fsr-3462	729	13	of	of	ADP
fsr-3462	729	14	diverse	diverse	ADJ
fsr-3462	729	15	populations	population	NOUN
fsr-3462	729	16	since	since	SCONJ
fsr-3462	729	17	it	it	PRON
fsr-3462	729	18	was	be	AUX
fsr-3462	729	19	first	first	ADV
fsr-3462	729	20	piloted	pilot	VERB
fsr-3462	729	21	in	in	ADP
fsr-3462	729	22	2010	2010	NUM
fsr-3462	729	23	as	as	ADP
fsr-3462	729	24	part	part	NOUN
fsr-3462	729	25	of	of	ADP
fsr-3462	729	26	the	the	DET
fsr-3462	729	27	first	first	ADJ
fsr-3462	729	28	oecd	oecd	PROPN
fsr-3462	729	29	international	international	ADJ
fsr-3462	729	30	financial	financial	ADJ
fsr-3462	729	31	literacy	literacy	NOUN
fsr-3462	729	32	and	and	CCONJ
fsr-3462	729	33	financial	financial	ADJ
fsr-3462	729	34	inclusion	inclusion	NOUN
fsr-3462	729	35	measurement	measurement	NOUN
fsr-3462	729	36	exercise	exercise	NOUN
fsr-3462	729	37	.	.	PUNCT
fsr-3462	730	1	in	in	ADP
fsr-3462	730	2	2018	2018	NUM
fsr-3462	730	3	,	,	PUNCT
fsr-3462	730	4	an	an	DET
fsr-3462	730	5	updated	update	VERB
fsr-3462	730	6	version	version	NOUN
fsr-3462	730	7	was	be	AUX
fsr-3462	730	8	released	release	VERB
fsr-3462	730	9	that	that	PRON
fsr-3462	730	10	takes	take	VERB
fsr-3462	730	11	into	into	ADP
fsr-3462	730	12	consideration	consideration	NOUN
fsr-3462	730	13	the	the	DET
fsr-3462	730	14	changes	change	NOUN
fsr-3462	730	15	in	in	ADP
fsr-3462	730	16	the	the	DET
fsr-3462	730	17	financial	financial	ADJ
fsr-3462	730	18	landscape	landscape	NOUN
fsr-3462	730	19	and	and	CCONJ
fsr-3462	730	20	the	the	DET
fsr-3462	730	21	evolving	evolve	VERB
fsr-3462	730	22	state	state	NOUN
fsr-3462	730	23	of	of	ADP
fsr-3462	730	24	knowledge	knowledge	NOUN
fsr-3462	730	25	;	;	PUNCT
fsr-3462	730	26	therefore	therefore	ADV
fsr-3462	730	27	,	,	PUNCT
fsr-3462	730	28	including	include	VERB
fsr-3462	730	29	questions	question	NOUN
fsr-3462	730	30	related	relate	VERB
fsr-3462	730	31	to	to	ADP
fsr-3462	730	32	digital	digital	ADJ
fsr-3462	730	33	financial	financial	ADJ
fsr-3462	730	34	services	service	NOUN
fsr-3462	730	35	and	and	CCONJ
fsr-3462	730	36	crypto	crypto	NOUN
fsr-3462	730	37	-	-	NOUN
fsr-3462	730	38	assets	asset	NOUN
fsr-3462	730	39	,	,	PUNCT
fsr-3462	730	40	trust	trust	NOUN
fsr-3462	730	41	,	,	PUNCT
fsr-3462	730	42	integrity	integrity	NOUN
fsr-3462	730	43	and	and	CCONJ
fsr-3462	730	44	financial	financial	ADJ
fsr-3462	730	45	consumer	consumer	NOUN
fsr-3462	730	46	protection	protection	NOUN
fsr-3462	730	47	.	.	PUNCT
fsr-3462	731	1	5	5	NUM
fsr-3462	731	2	more	more	ADJ
fsr-3462	731	3	recent	recent	ADJ
fsr-3462	731	4	studies	study	NOUN
fsr-3462	731	5	have	have	AUX
fsr-3462	731	6	applied	apply	VERB
fsr-3462	731	7	factor	factor	NOUN
fsr-3462	731	8	analysis	analysis	NOUN
fsr-3462	731	9	(	(	PUNCT
fsr-3462	731	10	van	van	NOUN
fsr-3462	731	11	rooij	rooij	NOUN
fsr-3462	731	12	,	,	PUNCT
fsr-3462	731	13	lusardi	lusardi	PROPN
fsr-3462	731	14	,	,	PUNCT
fsr-3462	731	15	&	&	CCONJ
fsr-3462	731	16	alessie	alessie	PROPN
fsr-3462	731	17	,	,	PUNCT
fsr-3462	731	18	2011	2011	NUM
fsr-3462	731	19	)	)	PUNCT
fsr-3462	731	20	.	.	PUNCT
fsr-3462	732	1	it	it	PRON
fsr-3462	732	2	is	be	AUX
fsr-3462	732	3	widely	widely	ADV
fsr-3462	732	4	acknowledged	acknowledge	VERB
fsr-3462	732	5	,	,	PUNCT
fsr-3462	732	6	however	however	ADV
fsr-3462	732	7	,	,	PUNCT
fsr-3462	732	8	that	that	SCONJ
fsr-3462	732	9	more	more	ADJ
fsr-3462	732	10	work	work	NOUN
fsr-3462	732	11	,	,	PUNCT
fsr-3462	732	12	developed	develop	VERB
fsr-3462	732	13	through	through	ADP
fsr-3462	732	14	rigorous	rigorous	ADJ
fsr-3462	732	15	psychometric	psychometric	ADJ
fsr-3462	732	16	analysis	analysis	NOUN
fsr-3462	732	17	is	be	AUX
fsr-3462	732	18	needed	need	VERB
fsr-3462	732	19	(	(	PUNCT
fsr-3462	732	20	bongini	bongini	PROPN
fsr-3462	732	21	et	et	PROPN
fsr-3462	732	22	al	al	PROPN
fsr-3462	732	23	.	.	PROPN
fsr-3462	732	24	,	,	PUNCT
fsr-3462	732	25	2015	2015	NUM
fsr-3462	732	26	,	,	PUNCT
fsr-3462	732	27	2016	2016	NUM
fsr-3462	732	28	;	;	PUNCT
fsr-3462	732	29	knoll	knoll	NOUN
fsr-3462	732	30	&	&	CCONJ
fsr-3462	732	31	houts	hout	NOUN
fsr-3462	732	32	,	,	PUNCT
fsr-3462	732	33	2012	2012	NUM
fsr-3462	732	34	)	)	PUNCT
fsr-3462	732	35	.	.	PUNCT
fsr-3462	733	1	6	6	NUM
fsr-3462	733	2	for	for	ADP
fsr-3462	733	3	a	a	DET
fsr-3462	733	4	comprehensive	comprehensive	ADJ
fsr-3462	733	5	survey	survey	NOUN
fsr-3462	733	6	on	on	ADP
fsr-3462	733	7	personality	personality	NOUN
fsr-3462	733	8	psychology	psychology	NOUN
fsr-3462	733	9	and	and	CCONJ
fsr-3462	733	10	economics	economic	NOUN
fsr-3462	733	11	the	the	DET
fsr-3462	733	12	interested	interested	ADJ
fsr-3462	733	13	reader	reader	NOUN
fsr-3462	733	14	can	can	AUX
fsr-3462	733	15	refer	refer	VERB
fsr-3462	733	16	to	to	ADP
fsr-3462	733	17	almlund	almlund	PROPN
fsr-3462	733	18	,	,	PUNCT
fsr-3462	733	19	duckworth	duckworth	NOUN
fsr-3462	733	20	,	,	PUNCT
fsr-3462	733	21	heckman	heckman	PROPN
fsr-3462	733	22	,	,	PUNCT
fsr-3462	733	23	and	and	CCONJ
fsr-3462	733	24	kautz	kautz	ADJ
fsr-3462	733	25	(	(	PUNCT
fsr-3462	733	26	2011	2011	NUM
fsr-3462	733	27	)	)	PUNCT
fsr-3462	733	28	and	and	CCONJ
fsr-3462	733	29	to	to	ADP
fsr-3462	733	30	brown	brown	NOUN
fsr-3462	733	31	and	and	CCONJ
fsr-3462	733	32	taylor	taylor	PROPN
fsr-3462	733	33	(	(	PUNCT
fsr-3462	733	34	2014	2014	NUM
fsr-3462	733	35	)	)	PUNCT
fsr-3462	733	36	for	for	ADP
fsr-3462	733	37	a	a	DET
fsr-3462	733	38	specific	specific	ADJ
fsr-3462	733	39	application	application	NOUN
fsr-3462	733	40	that	that	PRON
fsr-3462	733	41	analyzes	analyze	VERB
fsr-3462	733	42	the	the	DET
fsr-3462	733	43	relationship	relationship	NOUN
fsr-3462	733	44	between	between	ADP
fsr-3462	733	45	personality	personality	NOUN
fsr-3462	733	46	traits	trait	NOUN
fsr-3462	733	47	and	and	CCONJ
fsr-3462	733	48	financial	financial	ADJ
fsr-3462	733	49	decision	decision	NOUN
fsr-3462	733	50	-	-	PUNCT
fsr-3462	733	51	making	making	NOUN
fsr-3462	733	52	focusing	focus	VERB
fsr-3462	733	53	on	on	ADP
fsr-3462	733	54	unsecured	unsecured	ADJ
fsr-3462	733	55	debt	debt	NOUN
fsr-3462	733	56	and	and	CCONJ
fsr-3462	733	57	financial	financial	ADJ
fsr-3462	733	58	assets	asset	NOUN
fsr-3462	733	59	.	.	PUNCT
fsr-3462	734	1	7	7	NUM
fsr-3462	735	1	while	while	SCONJ
fsr-3462	735	2	the	the	DET
fsr-3462	735	3	topics	topic	NOUN
fsr-3462	735	4	of	of	ADP
fsr-3462	735	5	“	"	PUNCT
fsr-3462	735	6	time	time	NOUN
fsr-3462	735	7	value	value	NOUN
fsr-3462	735	8	of	of	ADP
fsr-3462	735	9	money	money	NOUN
fsr-3462	735	10	,	,	PUNCT
fsr-3462	735	11	”	"	PUNCT
fsr-3462	735	12	“	"	PUNCT
fsr-3462	735	13	inflation	inflation	NOUN
fsr-3462	735	14	,	,	PUNCT
fsr-3462	735	15	”	"	PUNCT
fsr-3462	735	16	and	and	CCONJ
fsr-3462	735	17	“	"	PUNCT
fsr-3462	735	18	interest	interest	NOUN
fsr-3462	735	19	rate	rate	NOUN
fsr-3462	735	20	compounding	compounding	NOUN
fsr-3462	735	21	”	"	PUNCT
fsr-3462	735	22	do	do	AUX
fsr-3462	735	23	represent	represent	VERB
fsr-3462	735	24	basics	basic	NOUN
fsr-3462	735	25	knowledge	knowledge	NOUN
fsr-3462	735	26	to	to	PART
fsr-3462	735	27	make	make	VERB
fsr-3462	735	28	informed	informed	ADJ
fsr-3462	735	29	choices	choice	NOUN
fsr-3462	735	30	when	when	SCONJ
fsr-3462	735	31	deciding	decide	VERB
fsr-3462	735	32	to	to	PART
fsr-3462	735	33	pay	pay	VERB
fsr-3462	735	34	in	in	ADP
fsr-3462	735	35	full	full	ADJ
fsr-3462	735	36	or	or	CCONJ
fsr-3462	735	37	accumulating	accumulate	VERB
fsr-3462	735	38	a	a	DET
fsr-3462	735	39	month	month	NOUN
fsr-3462	735	40	-	-	PUNCT
fsr-3462	735	41	to	to	ADP
fsr-3462	735	42	-	-	PUNCT
fsr-3462	735	43	month	month	NOUN
fsr-3462	735	44	balance	balance	NOUN
fsr-3462	735	45	,	,	PUNCT
fsr-3462	735	46	the	the	DET
fsr-3462	735	47	issue	issue	NOUN
fsr-3462	735	48	of	of	ADP
fsr-3462	735	49	risk	risk	NOUN
fsr-3462	735	50	diversification	diversification	NOUN
fsr-3462	735	51	is	be	AUX
fsr-3462	735	52	less	less	ADV
fsr-3462	735	53	strictly	strictly	ADV
fsr-3462	735	54	correlated	correlate	VERB
fsr-3462	735	55	.	.	PUNCT
fsr-3462	736	1	8	8	NUM
fsr-3462	736	2	estimations	estimation	NOUN
fsr-3462	736	3	for	for	ADP
fsr-3462	736	4	the	the	DET
fsr-3462	736	5	ncc	ncc	NOUN
fsr-3462	736	6	variables	variable	NOUN
fsr-3462	736	7	as	as	ADP
fsr-3462	736	8	the	the	DET
fsr-3462	736	9	dependent	dependent	ADJ
fsr-3462	736	10	variable	variable	NOUN
fsr-3462	736	11	,	,	PUNCT
fsr-3462	736	12	with	with	ADP
fsr-3462	736	13	demographic	demographic	ADJ
fsr-3462	736	14	characteristics	characteristic	NOUN
fsr-3462	736	15	as	as	ADP
fsr-3462	736	16	rhs	rhs	PROPN
fsr-3462	736	17	variables	variable	NOUN
fsr-3462	736	18	,	,	PUNCT
fsr-3462	736	19	are	be	AUX
fsr-3462	736	20	available	available	ADJ
fsr-3462	736	21	from	from	ADP
fsr-3462	736	22	the	the	DET
fsr-3462	736	23	authors	author	NOUN
fsr-3462	736	24	upon	upon	SCONJ
fsr-3462	736	25	request	request	NOUN
fsr-3462	736	26	.	.	PUNCT
fsr-3462	737	1	we	we	PRON
fsr-3462	737	2	conducted	conduct	VERB
fsr-3462	737	3	the	the	DET
fsr-3462	737	4	same	same	ADJ
fsr-3462	737	5	estimations	estimation	NOUN
fsr-3462	737	6	with	with	ADP
fsr-3462	737	7	demographics	demographic	NOUN
fsr-3462	737	8	instead	instead	ADV
fsr-3462	737	9	of	of	ADP
fsr-3462	737	10	ncc	ncc	PROPN
fsr-3462	737	11	,	,	PUNCT
fsr-3462	737	12	and	and	CCONJ
fsr-3462	737	13	obtained	obtain	VERB
fsr-3462	737	14	g.	g.	PROPN
fsr-3462	737	15	barboza	barboza	PROPN
fsr-3462	737	16	et	et	PROPN
fsr-3462	737	17	al	al	PROPN
fsr-3462	737	18	.	.	PUNCT
fsr-3462	737	19	/	/	SYM
fsr-3462	737	20	financial	financial	ADJ
fsr-3462	737	21	services	service	NOUN
fsr-3462	737	22	review	review	VERB
fsr-3462	737	23	29	29	NUM
fsr-3462	737	24	(	(	PUNCT
fsr-3462	737	25	2021	2021	NUM
fsr-3462	737	26	)	)	PUNCT
fsr-3462	737	27	247–276	247–276	NUM
fsr-3462	737	28	273	273	NUM
fsr-3462	737	29	very	very	ADV
fsr-3462	737	30	similar	similar	ADJ
fsr-3462	737	31	results	result	NOUN
fsr-3462	737	32	,	,	PUNCT
fsr-3462	737	33	without	without	ADP
fsr-3462	737	34	affecting	affect	VERB
fsr-3462	737	35	the	the	DET
fsr-3462	737	36	estimated	estimate	VERB
fsr-3462	737	37	coefficients	coefficient	NOUN
fsr-3462	737	38	of	of	ADP
fsr-3462	737	39	the	the	DET
fsr-3462	737	40	other	other	ADJ
fsr-3462	737	41	variables	variable	NOUN
fsr-3462	737	42	.	.	PUNCT
fsr-3462	738	1	9	9	NUM
fsr-3462	738	2	recall	recall	NOUN
fsr-3462	738	3	that	that	PRON
fsr-3462	738	4	credit	credit	NOUN
fsr-3462	738	5	card	card	NOUN
fsr-3462	738	6	repayment	repayment	NOUN
fsr-3462	738	7	behavior	behavior	NOUN
fsr-3462	738	8	is	be	AUX
fsr-3462	738	9	measured	measure	VERB
fsr-3462	738	10	in	in	ADP
fsr-3462	738	11	a	a	DET
fsr-3462	738	12	reverse	reverse	ADJ
fsr-3462	738	13	scale	scale	NOUN
fsr-3462	738	14	,	,	PUNCT
fsr-3462	738	15	where	where	SCONJ
fsr-3462	738	16	the	the	DET
fsr-3462	738	17	lowest	low	ADJ
fsr-3462	738	18	value	value	NOUN
fsr-3462	738	19	implies	imply	VERB
fsr-3462	738	20	repayment	repayment	NOUN
fsr-3462	738	21	in	in	ADP
fsr-3462	738	22	full	full	ADJ
fsr-3462	738	23	,	,	PUNCT
fsr-3462	738	24	and	and	CCONJ
fsr-3462	738	25	higher	high	ADJ
fsr-3462	738	26	values	value	NOUN
fsr-3462	738	27	otherwise	otherwise	ADV
fsr-3462	738	28	.	.	PUNCT
fsr-3462	739	1	references	reference	NOUN
fsr-3462	739	2	adams	adams	PROPN
fsr-3462	739	3	,	,	PUNCT
fsr-3462	739	4	t.	t.	PROPN
fsr-3462	739	5	,	,	PUNCT
fsr-3462	739	6	&	&	CCONJ
fsr-3462	739	7	moore	moore	PROPN
fsr-3462	739	8	,	,	PUNCT
fsr-3462	739	9	m.	m.	NOUN
fsr-3462	739	10	(	(	PUNCT
fsr-3462	739	11	2007	2007	NUM
fsr-3462	739	12	)	)	PUNCT
fsr-3462	739	13	.	.	PUNCT
fsr-3462	740	1	high	high	ADJ
fsr-3462	740	2	-	-	PUNCT
fsr-3462	740	3	risk	risk	NOUN
fsr-3462	740	4	health	health	NOUN
fsr-3462	740	5	and	and	CCONJ
fsr-3462	740	6	credit	credit	NOUN
fsr-3462	740	7	behavior	behavior	NOUN
fsr-3462	740	8	among	among	ADP
fsr-3462	740	9	18	18	NUM
fsr-3462	740	10	-	-	PUNCT
fsr-3462	740	11	to	to	ADP
fsr-3462	740	12	25	25	NUM
fsr-3462	740	13	-	-	PUNCT
fsr-3462	740	14	year	year	NOUN
fsr-3462	740	15	-	-	PUNCT
fsr-3462	740	16	old	old	ADJ
fsr-3462	740	17	college	college	NOUN
fsr-3462	740	18	students	student	NOUN
fsr-3462	740	19	.	.	PUNCT
fsr-3462	741	1	journal	journal	PROPN
fsr-3462	741	2	of	of	ADP
fsr-3462	741	3	american	american	PROPN
fsr-3462	741	4	college	college	PROPN
fsr-3462	741	5	health	health	NOUN
fsr-3462	741	6	,	,	PUNCT
fsr-3462	741	7	56	56	NUM
fsr-3462	741	8	,	,	PUNCT
fsr-3462	741	9	101–108	101–108	NUM
fsr-3462	741	10	.	.	PUNCT
fsr-3462	742	1	akerlof	akerlof	PROPN
fsr-3462	742	2	,	,	PUNCT
fsr-3462	742	3	g.	g.	PROPN
fsr-3462	742	4	(	(	PUNCT
fsr-3462	742	5	1991	1991	NUM
fsr-3462	742	6	)	)	PUNCT
fsr-3462	742	7	.	.	PUNCT
fsr-3462	743	1	procrastination	procrastination	NOUN
fsr-3462	743	2	and	and	CCONJ
fsr-3462	743	3	obedience	obedience	NOUN
fsr-3462	743	4	.	.	PUNCT
fsr-3462	744	1	the	the	DET
fsr-3462	744	2	american	american	PROPN
fsr-3462	744	3	economic	economic	PROPN
fsr-3462	744	4	review	review	PROPN
fsr-3462	744	5	,	,	PUNCT
fsr-3462	744	6	81(2	81(2	NUM
fsr-3462	744	7	)	)	PUNCT
fsr-3462	744	8	,	,	PUNCT
fsr-3462	744	9	1–19	1–19	PROPN
fsr-3462	744	10	.	.	PUNCT
fsr-3462	745	1	andrews	andrews	PROPN
fsr-3462	745	2	,	,	PUNCT
fsr-3462	745	3	b.	b.	PROPN
fsr-3462	745	4	,	,	PUNCT
fsr-3462	745	5	&	&	CCONJ
fsr-3462	745	6	wilding	wilding	PROPN
fsr-3462	745	7	,	,	PUNCT
fsr-3462	745	8	j.	j.	PROPN
fsr-3462	745	9	m.	m.	PROPN
fsr-3462	745	10	(	(	PUNCT
fsr-3462	745	11	2004	2004	NUM
fsr-3462	745	12	)	)	PUNCT
fsr-3462	745	13	.	.	PUNCT
fsr-3462	746	1	the	the	DET
fsr-3462	746	2	relation	relation	NOUN
fsr-3462	746	3	of	of	ADP
fsr-3462	746	4	depression	depression	NOUN
fsr-3462	746	5	and	and	CCONJ
fsr-3462	746	6	anxiety	anxiety	NOUN
fsr-3462	746	7	to	to	ADP
fsr-3462	746	8	life	life	NOUN
fsr-3462	746	9	-	-	PUNCT
fsr-3462	746	10	stress	stress	NOUN
fsr-3462	746	11	and	and	CCONJ
fsr-3462	746	12	achievement	achievement	NOUN
fsr-3462	746	13	in	in	ADP
fsr-3462	746	14	students	student	NOUN
fsr-3462	746	15	.	.	PUNCT
fsr-3462	747	1	british	british	ADJ
fsr-3462	747	2	journal	journal	PROPN
fsr-3462	747	3	of	of	ADP
fsr-3462	747	4	psychology	psychology	NOUN
fsr-3462	747	5	,	,	PUNCT
fsr-3462	747	6	95	95	NUM
fsr-3462	747	7	,	,	PUNCT
fsr-3462	747	8	509–521	509–521	NUM
fsr-3462	747	9	.	.	PUNCT
fsr-3462	747	10	barboza	barboza	PROPN
fsr-3462	747	11	,	,	PUNCT
fsr-3462	747	12	g.	g.	PROPN
fsr-3462	747	13	(	(	PUNCT
fsr-3462	747	14	2018	2018	NUM
fsr-3462	747	15	)	)	PUNCT
fsr-3462	747	16	.	.	PUNCT
fsr-3462	748	1	i	i	PRON
fsr-3462	748	2	will	will	AUX
fsr-3462	748	3	pay	pay	VERB
fsr-3462	748	4	tomorrow	tomorrow	NOUN
fsr-3462	748	5	,	,	PUNCT
fsr-3462	748	6	or	or	CCONJ
fsr-3462	748	7	maybe	maybe	ADV
fsr-3462	748	8	the	the	DET
fsr-3462	748	9	day	day	NOUN
fsr-3462	748	10	after	after	ADV
fsr-3462	748	11	.	.	PUNCT
fsr-3462	749	1	credit	credit	NOUN
fsr-3462	749	2	card	card	NOUN
fsr-3462	749	3	repayment	repayment	NOUN
fsr-3462	749	4	,	,	PUNCT
fsr-3462	749	5	present	present	ADJ
fsr-3462	749	6	biased	biased	ADJ
fsr-3462	749	7	and	and	CCONJ
fsr-3462	749	8	procrastination	procrastination	NOUN
fsr-3462	749	9	.	.	PUNCT
fsr-3462	750	1	economic	economic	ADJ
fsr-3462	750	2	notes	note	NOUN
fsr-3462	750	3	,	,	PUNCT
fsr-3462	750	4	47	47	NUM
fsr-3462	750	5	,	,	PUNCT
fsr-3462	750	6	455–494	455–494	NUM
fsr-3462	750	7	.	.	PUNCT
fsr-3462	751	1	barboza	barboza	PROPN
fsr-3462	751	2	,	,	PUNCT
fsr-3462	751	3	g.	g.	PROPN
fsr-3462	751	4	,	,	PUNCT
fsr-3462	751	5	smith	smith	PROPN
fsr-3462	751	6	,	,	PUNCT
fsr-3462	751	7	c.	c.	PROPN
fsr-3462	751	8	,	,	PUNCT
fsr-3462	751	9	&	&	CCONJ
fsr-3462	751	10	pesek	pesek	PROPN
fsr-3462	751	11	,	,	PUNCT
fsr-3462	751	12	j.	j.	PROPN
fsr-3462	751	13	(	(	PUNCT
fsr-3462	751	14	2016	2016	NUM
fsr-3462	751	15	)	)	PUNCT
fsr-3462	751	16	.	.	PUNCT
fsr-3462	752	1	impact	impact	NOUN
fsr-3462	752	2	of	of	ADP
fsr-3462	752	3	gender	gender	NOUN
fsr-3462	752	4	and	and	CCONJ
fsr-3462	752	5	academic	academic	ADJ
fsr-3462	752	6	performance	performance	NOUN
fsr-3462	752	7	differences	difference	NOUN
fsr-3462	752	8	on	on	ADP
fsr-3462	752	9	financial	financial	ADJ
fsr-3462	752	10	literacy	literacy	NOUN
fsr-3462	752	11	.	.	PUNCT
fsr-3462	753	1	journal	journal	NOUN
fsr-3462	753	2	of	of	ADP
fsr-3462	753	3	financial	financial	ADJ
fsr-3462	753	4	education	education	NOUN
fsr-3462	753	5	,	,	PUNCT
fsr-3462	753	6	winter	winter	NOUN
fsr-3462	753	7	,	,	PUNCT
fsr-3462	753	8	205–242	205–242	PROPN
fsr-3462	753	9	.	.	PUNCT
fsr-3462	754	1	berg	berg	PROPN
fsr-3462	754	2	,	,	PUNCT
fsr-3462	754	3	c.	c.	PROPN
fsr-3462	754	4	,	,	PUNCT
fsr-3462	754	5	sanem	sanem	PROPN
fsr-3462	754	6	,	,	PUNCT
fsr-3462	754	7	j.	j.	PROPN
fsr-3462	754	8	,	,	PUNCT
fsr-3462	754	9	lust	lust	NOUN
fsr-3462	754	10	,	,	PUNCT
fsr-3462	754	11	k.	k.	PROPN
fsr-3462	754	12	,	,	PUNCT
fsr-3462	754	13	ahluwalia	ahluwalia	PROPN
fsr-3462	754	14	,	,	PUNCT
fsr-3462	754	15	j.	j.	PROPN
fsr-3462	754	16	,	,	PUNCT
fsr-3462	754	17	kirch	kirch	PROPN
fsr-3462	754	18	,	,	PUNCT
fsr-3462	754	19	m.	m.	NOUN
fsr-3462	754	20	,	,	PUNCT
fsr-3462	754	21	&	&	CCONJ
fsr-3462	754	22	an	an	PRON
fsr-3462	754	23	,	,	PUNCT
fsr-3462	754	24	l.	l.	PROPN
fsr-3462	754	25	(	(	PUNCT
fsr-3462	754	26	2010	2010	NUM
fsr-3462	754	27	)	)	PUNCT
fsr-3462	754	28	.	.	PUNCT
fsr-3462	755	1	health	health	NOUN
fsr-3462	755	2	-	-	PUNCT
fsr-3462	755	3	related	relate	VERB
fsr-3462	755	4	characteristics	characteristic	NOUN
fsr-3462	755	5	and	and	CCONJ
fsr-3462	755	6	incurring	incur	VERB
fsr-3462	755	7	credit	credit	NOUN
fsr-3462	755	8	card	card	NOUN
fsr-3462	755	9	debt	debt	NOUN
fsr-3462	755	10	as	as	ADP
fsr-3462	755	11	problem	problem	NOUN
fsr-3462	755	12	behaviors	behavior	NOUN
fsr-3462	755	13	among	among	ADP
fsr-3462	755	14	college	college	NOUN
fsr-3462	755	15	students	student	NOUN
fsr-3462	755	16	.	.	PUNCT
fsr-3462	756	1	the	the	DET
fsr-3462	756	2	internet	internet	NOUN
fsr-3462	756	3	journal	journal	NOUN
fsr-3462	756	4	of	of	ADP
fsr-3462	756	5	mental	mental	ADJ
fsr-3462	756	6	health	health	NOUN
fsr-3462	756	7	,	,	PUNCT
fsr-3462	756	8	6	6	NUM
fsr-3462	756	9	,	,	PUNCT
fsr-3462	756	10	1	1	NUM
fsr-3462	756	11	.	.	NUM
fsr-3462	756	12	bongini	bongini	PROPN
fsr-3462	756	13	,	,	PUNCT
fsr-3462	756	14	p.	p.	NOUN
fsr-3462	756	15	,	,	PUNCT
fsr-3462	756	16	trivellato	trivellato	PROPN
fsr-3462	756	17	,	,	PUNCT
fsr-3462	756	18	p.	p.	NOUN
fsr-3462	756	19	,	,	PUNCT
fsr-3462	756	20	&	&	CCONJ
fsr-3462	756	21	zenga	zenga	PROPN
fsr-3462	756	22	,	,	PUNCT
fsr-3462	756	23	m.	m.	NOUN
fsr-3462	756	24	(	(	PUNCT
fsr-3462	756	25	2015	2015	NUM
fsr-3462	756	26	)	)	PUNCT
fsr-3462	756	27	.	.	PUNCT
fsr-3462	757	1	business	business	NOUN
fsr-3462	757	2	students	student	NOUN
fsr-3462	757	3	and	and	CCONJ
fsr-3462	757	4	financial	financial	ADJ
fsr-3462	757	5	literacy	literacy	NOUN
fsr-3462	757	6	:	:	PUNCT
fsr-3462	757	7	when	when	SCONJ
fsr-3462	757	8	will	will	AUX
fsr-3462	757	9	the	the	DET
fsr-3462	757	10	gender	gender	NOUN
fsr-3462	757	11	gap	gap	NOUN
fsr-3462	757	12	fade	fade	VERB
fsr-3462	757	13	away	away	ADV
fsr-3462	757	14	?	?	PUNCT
fsr-3462	758	1	journal	journal	NOUN
fsr-3462	758	2	of	of	ADP
fsr-3462	758	3	financial	financial	ADJ
fsr-3462	758	4	management	management	NOUN
fsr-3462	758	5	,	,	PUNCT
fsr-3462	758	6	markets	market	NOUN
fsr-3462	758	7	and	and	CCONJ
fsr-3462	758	8	institutions	institution	NOUN
fsr-3462	758	9	,	,	PUNCT
fsr-3462	758	10	3	3	NUM
fsr-3462	758	11	,	,	PUNCT
fsr-3462	758	12	13–30	13–30	NUM
fsr-3462	758	13	.	.	PUNCT
fsr-3462	759	1	bongini	bongini	PROPN
fsr-3462	759	2	,	,	PUNCT
fsr-3462	759	3	p.	p.	NOUN
fsr-3462	759	4	,	,	PUNCT
fsr-3462	759	5	trivellato	trivellato	PROPN
fsr-3462	759	6	,	,	PUNCT
fsr-3462	759	7	p.	p.	NOUN
fsr-3462	759	8	,	,	PUNCT
fsr-3462	759	9	&	&	CCONJ
fsr-3462	759	10	zenga	zenga	PROPN
fsr-3462	759	11	,	,	PUNCT
fsr-3462	759	12	m.	m.	NOUN
fsr-3462	759	13	(	(	PUNCT
fsr-3462	759	14	2016	2016	NUM
fsr-3462	759	15	)	)	PUNCT
fsr-3462	759	16	.	.	PUNCT
fsr-3462	760	1	financial	financial	ADJ
fsr-3462	760	2	literacy	literacy	NOUN
fsr-3462	760	3	and	and	CCONJ
fsr-3462	760	4	undergraduates	undergraduate	NOUN
fsr-3462	760	5	.	.	PUNCT
fsr-3462	761	1	application	application	NOUN
fsr-3462	761	2	of	of	ADP
fsr-3462	761	3	latent	latent	NOUN
fsr-3462	761	4	regression	regression	PROPN
fsr-3462	761	5	rasch	rasch	PROPN
fsr-3462	761	6	model	model	PROPN
fsr-3462	761	7	.	.	PUNCT
fsr-3462	762	1	journal	journal	PROPN
fsr-3462	762	2	of	of	ADP
fsr-3462	762	3	financial	financial	ADJ
fsr-3462	762	4	management	management	NOUN
fsr-3462	762	5	,	,	PUNCT
fsr-3462	762	6	markets	market	NOUN
fsr-3462	762	7	and	and	CCONJ
fsr-3462	762	8	institutions	institution	NOUN
fsr-3462	762	9	,	,	PUNCT
fsr-3462	762	10	41	41	NUM
fsr-3462	762	11	,	,	PUNCT
fsr-3462	762	12	23–42	23–42	NUM
fsr-3462	762	13	.	.	PUNCT
fsr-3462	762	14	borden	borden	PROPN
fsr-3462	762	15	,	,	PUNCT
fsr-3462	762	16	l.	l.	PROPN
fsr-3462	762	17	m.	m.	PROPN
fsr-3462	762	18	,	,	PUNCT
fsr-3462	762	19	le	le	X
fsr-3462	762	20	,	,	PUNCT
fsr-3462	762	21	s.	s.	PROPN
fsr-3462	762	22	,	,	PUNCT
fsr-3462	762	23	serido	serido	PRON
fsr-3462	762	24	,	,	PUNCT
fsr-3462	762	25	j.	j.	PROPN
fsr-3462	762	26	,	,	PUNCT
fsr-3462	762	27	&	&	CCONJ
fsr-3462	762	28	collins	collins	PROPN
fsr-3462	762	29	,	,	PUNCT
fsr-3462	762	30	d.	d.	PROPN
fsr-3462	762	31	(	(	PUNCT
fsr-3462	762	32	2008	2008	NUM
fsr-3462	762	33	)	)	PUNCT
fsr-3462	762	34	.	.	PUNCT
fsr-3462	763	1	changing	change	VERB
fsr-3462	763	2	college	college	NOUN
fsr-3462	763	3	students	student	NOUN
fsr-3462	763	4	’	'	PUNCT
fsr-3462	763	5	financial	financial	ADJ
fsr-3462	763	6	knowledge	knowledge	NOUN
fsr-3462	763	7	,	,	PUNCT
fsr-3462	763	8	attitudes	attitude	NOUN
fsr-3462	763	9	,	,	PUNCT
fsr-3462	763	10	and	and	CCONJ
fsr-3462	763	11	behavior	behavior	NOUN
fsr-3462	763	12	through	through	ADP
fsr-3462	763	13	seminar	seminar	NOUN
fsr-3462	763	14	participation	participation	NOUN
fsr-3462	763	15	.	.	PUNCT
fsr-3462	764	1	journal	journal	NOUN
fsr-3462	764	2	of	of	ADP
fsr-3462	764	3	family	family	NOUN
fsr-3462	764	4	and	and	CCONJ
fsr-3462	764	5	economic	economic	ADJ
fsr-3462	764	6	issues	issue	NOUN
fsr-3462	764	7	,	,	PUNCT
fsr-3462	764	8	29	29	NUM
fsr-3462	764	9	,	,	PUNCT
fsr-3462	764	10	23–40	23–40	NUM
fsr-3462	764	11	.	.	PUNCT
fsr-3462	764	12	brown	brown	PROPN
fsr-3462	764	13	,	,	PUNCT
fsr-3462	764	14	s.	s.	PROPN
fsr-3462	764	15	,	,	PUNCT
fsr-3462	764	16	&	&	CCONJ
fsr-3462	764	17	taylor	taylor	PROPN
fsr-3462	764	18	,	,	PUNCT
fsr-3462	764	19	k.	k.	PROPN
fsr-3462	764	20	(	(	PUNCT
fsr-3462	764	21	2014	2014	NUM
fsr-3462	764	22	)	)	PUNCT
fsr-3462	764	23	.	.	PUNCT
fsr-3462	765	1	household	household	NOUN
fsr-3462	765	2	finances	finance	NOUN
fsr-3462	765	3	and	and	CCONJ
fsr-3462	765	4	the	the	DET
fsr-3462	765	5	‘	'	PUNCT
fsr-3462	765	6	big	big	ADJ
fsr-3462	765	7	five	five	NUM
fsr-3462	765	8	’	'	PUNCT
fsr-3462	765	9	personality	personality	NOUN
fsr-3462	765	10	traits	trait	NOUN
fsr-3462	765	11	.	.	PUNCT
fsr-3462	766	1	journal	journal	NOUN
fsr-3462	766	2	of	of	ADP
fsr-3462	766	3	economic	economic	ADJ
fsr-3462	766	4	psychology	psychology	NOUN
fsr-3462	766	5	,	,	PUNCT
fsr-3462	766	6	45	45	NUM
fsr-3462	766	7	,	,	PUNCT
fsr-3462	766	8	197–212	197–212	NUM
fsr-3462	766	9	.	.	PUNCT
fsr-3462	767	1	cheema	cheema	PROPN
fsr-3462	767	2	,	,	PUNCT
fsr-3462	767	3	a.	a.	PROPN
fsr-3462	767	4	,	,	PUNCT
fsr-3462	767	5	&	&	CCONJ
fsr-3462	767	6	soman	soman	NOUN
fsr-3462	767	7	,	,	PUNCT
fsr-3462	767	8	d.	d.	PROPN
fsr-3462	767	9	(	(	PUNCT
fsr-3462	767	10	2006	2006	NUM
fsr-3462	767	11	)	)	PUNCT
fsr-3462	767	12	.	.	PUNCT
fsr-3462	768	1	malleable	malleable	ADJ
fsr-3462	768	2	mental	mental	ADJ
fsr-3462	768	3	accounting	accounting	NOUN
fsr-3462	768	4	:	:	PUNCT
fsr-3462	768	5	the	the	DET
fsr-3462	768	6	effect	effect	NOUN
fsr-3462	768	7	of	of	ADP
fsr-3462	768	8	flexibility	flexibility	NOUN
fsr-3462	768	9	on	on	ADP
fsr-3462	768	10	the	the	DET
fsr-3462	768	11	justification	justification	NOUN
fsr-3462	768	12	of	of	ADP
fsr-3462	768	13	attractive	attractive	ADJ
fsr-3462	768	14	spending	spending	NOUN
fsr-3462	768	15	and	and	CCONJ
fsr-3462	768	16	consumption	consumption	NOUN
fsr-3462	768	17	decisions	decision	NOUN
fsr-3462	768	18	.	.	PUNCT
fsr-3462	769	1	journal	journal	NOUN
fsr-3462	769	2	of	of	ADP
fsr-3462	769	3	consumer	consumer	NOUN
fsr-3462	769	4	psychology	psychology	NOUN
fsr-3462	769	5	,	,	PUNCT
fsr-3462	769	6	16	16	NUM
fsr-3462	769	7	,	,	PUNCT
fsr-3462	769	8	33–44	33–44	NUM
fsr-3462	769	9	.	.	PUNCT
fsr-3462	770	1	chen	chen	PROPN
fsr-3462	770	2	,	,	PUNCT
fsr-3462	770	3	h.	h.	PROPN
fsr-3462	770	4	,	,	PUNCT
fsr-3462	770	5	&	&	CCONJ
fsr-3462	770	6	volpe	volpe	PROPN
fsr-3462	770	7	,	,	PUNCT
fsr-3462	770	8	r.	r.	PROPN
fsr-3462	770	9	p.	p.	PROPN
fsr-3462	770	10	(	(	PUNCT
fsr-3462	770	11	2002	2002	NUM
fsr-3462	770	12	)	)	PUNCT
fsr-3462	770	13	.	.	PUNCT
fsr-3462	771	1	gender	gender	NOUN
fsr-3462	771	2	differences	difference	NOUN
fsr-3462	771	3	in	in	ADP
fsr-3462	771	4	personal	personal	ADJ
fsr-3462	771	5	financial	financial	ADJ
fsr-3462	771	6	literacy	literacy	NOUN
fsr-3462	771	7	among	among	ADP
fsr-3462	771	8	college	college	NOUN
fsr-3462	771	9	students	student	NOUN
fsr-3462	771	10	.	.	PUNCT
fsr-3462	772	1	financial	financial	ADJ
fsr-3462	772	2	services	services	PROPN
fsr-3462	772	3	review	review	PROPN
fsr-3462	772	4	,	,	PUNCT
fsr-3462	772	5	11(3	11(3	NUM
fsr-3462	772	6	)	)	PUNCT
fsr-3462	772	7	,	,	PUNCT
fsr-3462	772	8	289–307	289–307	NUM
fsr-3462	772	9	.	.	PUNCT
fsr-3462	773	1	chen	chen	PROPN
fsr-3462	773	2	,	,	PUNCT
fsr-3462	773	3	z.	z.	PROPN
fsr-3462	773	4	,	,	PUNCT
fsr-3462	773	5	&	&	CCONJ
fsr-3462	773	6	garand	garand	PROPN
fsr-3462	773	7	,	,	PUNCT
fsr-3462	773	8	j.	j.	PROPN
fsr-3462	773	9	c.	c.	PROPN
fsr-3462	773	10	(	(	PUNCT
fsr-3462	773	11	2018	2018	NUM
fsr-3462	773	12	)	)	PUNCT
fsr-3462	773	13	.	.	PUNCT
fsr-3462	774	1	on	on	ADP
fsr-3462	774	2	the	the	DET
fsr-3462	774	3	gender	gender	NOUN
fsr-3462	774	4	gap	gap	NOUN
fsr-3462	774	5	in	in	ADP
fsr-3462	774	6	financial	financial	ADJ
fsr-3462	774	7	knowledge	knowledge	NOUN
fsr-3462	774	8	:	:	PUNCT
fsr-3462	774	9	decomposing	decompose	VERB
fsr-3462	774	10	the	the	DET
fsr-3462	774	11	effects	effect	NOUN
fsr-3462	774	12	of	of	ADP
fsr-3462	774	13	do	do	AUX
fsr-3462	774	14	n’t	not	PART
fsr-3462	774	15	know	know	VERB
fsr-3462	774	16	and	and	CCONJ
fsr-3462	774	17	incorrect	incorrect	ADJ
fsr-3462	774	18	responses	response	NOUN
fsr-3462	774	19	.	.	PUNCT
fsr-3462	775	1	social	social	ADJ
fsr-3462	775	2	science	science	NOUN
fsr-3462	775	3	quarterly	quarterly	ADV
fsr-3462	775	4	,	,	PUNCT
fsr-3462	775	5	99(5	99(5	NUM
fsr-3462	775	6	)	)	PUNCT
fsr-3462	775	7	,	,	PUNCT
fsr-3462	775	8	1551–1571	1551–1571	NUM
fsr-3462	775	9	.	.	PUNCT
fsr-3462	776	1	chu	chu	PROPN
fsr-3462	776	2	,	,	PUNCT
fsr-3462	776	3	c.	c.	PROPN
fsr-3462	776	4	,	,	PUNCT
fsr-3462	776	5	buchman	buchman	PROPN
fsr-3462	776	6	-	-	PUNCT
fsr-3462	776	7	schmitt	schmitt	PROPN
fsr-3462	776	8	,	,	PUNCT
fsr-3462	776	9	j.	j.	PROPN
fsr-3462	776	10	m.	m.	PROPN
fsr-3462	776	11	,	,	PUNCT
fsr-3462	776	12	stanley	stanley	PROPN
fsr-3462	776	13	,	,	PUNCT
fsr-3462	776	14	i.	i.	PROPN
fsr-3462	776	15	h.	h.	PROPN
fsr-3462	776	16	,	,	PUNCT
fsr-3462	776	17	hom	hom	INTJ
fsr-3462	776	18	,	,	PUNCT
fsr-3462	776	19	m.	m.	NOUN
fsr-3462	776	20	a.	a.	PROPN
fsr-3462	776	21	,	,	PUNCT
fsr-3462	776	22	tucker	tucker	PROPN
fsr-3462	776	23	,	,	PUNCT
fsr-3462	776	24	r.	r.	PROPN
fsr-3462	776	25	p.	p.	PROPN
fsr-3462	776	26	,	,	PUNCT
fsr-3462	776	27	hagan	hagan	PROPN
fsr-3462	776	28	,	,	PUNCT
fsr-3462	776	29	c.	c.	PROPN
fsr-3462	776	30	r.	r.	PROPN
fsr-3462	776	31	,	,	PUNCT
fsr-3462	776	32	&	&	CCONJ
fsr-3462	776	33	joiner	joiner	PROPN
fsr-3462	776	34	jr	jr	PROPN
fsr-3462	776	35	,	,	PUNCT
fsr-3462	776	36	t.	t.	PROPN
fsr-3462	776	37	e.	e.	PROPN
fsr-3462	776	38	(	(	PUNCT
fsr-3462	776	39	2017	2017	NUM
fsr-3462	776	40	)	)	PUNCT
fsr-3462	776	41	.	.	PUNCT
fsr-3462	777	1	the	the	DET
fsr-3462	777	2	interpersonal	interpersonal	ADJ
fsr-3462	777	3	theory	theory	NOUN
fsr-3462	777	4	of	of	ADP
fsr-3462	777	5	suicide	suicide	NOUN
fsr-3462	777	6	:	:	PUNCT
fsr-3462	777	7	a	a	DET
fsr-3462	777	8	systematic	systematic	ADJ
fsr-3462	777	9	review	review	NOUN
fsr-3462	777	10	and	and	CCONJ
fsr-3462	777	11	meta	meta	NOUN
fsr-3462	777	12	-	-	PUNCT
fsr-3462	777	13	analysis	analysis	NOUN
fsr-3462	777	14	of	of	ADP
fsr-3462	777	15	a	a	DET
fsr-3462	777	16	decade	decade	NOUN
fsr-3462	777	17	of	of	ADP
fsr-3462	777	18	crossnational	crossnational	ADJ
fsr-3462	777	19	research	research	NOUN
fsr-3462	777	20	.	.	PUNCT
fsr-3462	778	1	psychological	psychological	ADJ
fsr-3462	778	2	bulletin	bulletin	NOUN
fsr-3462	778	3	,	,	PUNCT
fsr-3462	778	4	143(12	143(12	NUM
fsr-3462	778	5	)	)	PUNCT
fsr-3462	778	6	,	,	PUNCT
fsr-3462	778	7	1313	1313	NUM
fsr-3462	778	8	.	.	PUNCT
fsr-3462	779	1	danes	dane	NOUN
fsr-3462	779	2	,	,	PUNCT
fsr-3462	779	3	s.	s.	PROPN
fsr-3462	779	4	m.	m.	PROPN
fsr-3462	779	5	,	,	PUNCT
fsr-3462	779	6	&	&	CCONJ
fsr-3462	779	7	tahira	tahira	PROPN
fsr-3462	779	8	,	,	PUNCT
fsr-3462	779	9	k.	k.	PROPN
fsr-3462	779	10	h.	h.	PROPN
fsr-3462	779	11	(	(	PUNCT
fsr-3462	779	12	1987	1987	NUM
fsr-3462	779	13	)	)	PUNCT
fsr-3462	779	14	.	.	PUNCT
fsr-3462	780	1	money	money	NOUN
fsr-3462	780	2	management	management	NOUN
fsr-3462	780	3	knowledge	knowledge	NOUN
fsr-3462	780	4	of	of	ADP
fsr-3462	780	5	college	college	NOUN
fsr-3462	780	6	students	student	NOUN
fsr-3462	780	7	.	.	PUNCT
fsr-3462	781	1	journal	journal	PROPN
fsr-3462	781	2	of	of	ADP
fsr-3462	781	3	student	student	NOUN
fsr-3462	781	4	financial	financial	ADJ
fsr-3462	781	5	aid	aid	NOUN
fsr-3462	781	6	,	,	PUNCT
fsr-3462	781	7	17	17	NUM
fsr-3462	781	8	,	,	PUNCT
fsr-3462	781	9	4–16	4–16	PROPN
fsr-3462	781	10	.	.	PUNCT
fsr-3462	782	1	fiksenbaum	fiksenbaum	PROPN
fsr-3462	782	2	,	,	PUNCT
fsr-3462	782	3	l.	l.	PROPN
fsr-3462	782	4	,	,	PUNCT
fsr-3462	782	5	marjanovic	marjanovic	PROPN
fsr-3462	782	6	,	,	PUNCT
fsr-3462	782	7	z.	z.	PROPN
fsr-3462	782	8	,	,	PUNCT
fsr-3462	782	9	&	&	CCONJ
fsr-3462	782	10	greenglass	greenglass	PROPN
fsr-3462	782	11	,	,	PUNCT
fsr-3462	782	12	e.	e.	PROPN
fsr-3462	782	13	(	(	PUNCT
fsr-3462	782	14	2017	2017	NUM
fsr-3462	782	15	)	)	PUNCT
fsr-3462	782	16	.	.	PUNCT
fsr-3462	783	1	financial	financial	ADJ
fsr-3462	783	2	threat	threat	NOUN
fsr-3462	783	3	and	and	CCONJ
fsr-3462	783	4	individuals	individual	NOUN
fsr-3462	783	5	’	'	PUNCT
fsr-3462	783	6	willingness	willingness	NOUN
fsr-3462	783	7	to	to	PART
fsr-3462	783	8	change	change	VERB
fsr-3462	783	9	financial	financial	ADJ
fsr-3462	783	10	behavior	behavior	NOUN
fsr-3462	783	11	.	.	PUNCT
fsr-3462	784	1	review	review	NOUN
fsr-3462	784	2	of	of	ADP
fsr-3462	784	3	behavioral	behavioral	ADJ
fsr-3462	784	4	finance	finance	NOUN
fsr-3462	784	5	,	,	PUNCT
fsr-3462	784	6	9	9	NUM
fsr-3462	784	7	,	,	PUNCT
fsr-3462	784	8	128–147	128–147	NUM
fsr-3462	784	9	.	.	PUNCT
fsr-3462	785	1	fox	fox	PROPN
fsr-3462	785	2	,	,	PUNCT
fsr-3462	785	3	m.	m.	PROPN
fsr-3462	785	4	d.	d.	PROPN
fsr-3462	785	5	,	,	PUNCT
fsr-3462	785	6	snyder	snyder	PROPN
fsr-3462	785	7	,	,	PUNCT
fsr-3462	785	8	a.	a.	PROPN
fsr-3462	785	9	z.	z.	PROPN
fsr-3462	785	10	,	,	PUNCT
fsr-3462	785	11	vincent	vincent	PROPN
fsr-3462	785	12	,	,	PUNCT
fsr-3462	785	13	j.	j.	PROPN
fsr-3462	785	14	l.	l.	PROPN
fsr-3462	785	15	,	,	PUNCT
fsr-3462	785	16	corbetta	corbetta	NOUN
fsr-3462	785	17	,	,	PUNCT
fsr-3462	785	18	m.	m.	NOUN
fsr-3462	785	19	,	,	PUNCT
fsr-3462	785	20	van	van	PROPN
fsr-3462	785	21	essen	essen	PROPN
fsr-3462	785	22	,	,	PUNCT
fsr-3462	785	23	d.	d.	PROPN
fsr-3462	785	24	c.	c.	PROPN
fsr-3462	785	25	,	,	PUNCT
fsr-3462	785	26	&	&	CCONJ
fsr-3462	785	27	raichle	raichle	PROPN
fsr-3462	785	28	,	,	PUNCT
fsr-3462	785	29	m.	m.	PROPN
fsr-3462	785	30	e.	e.	PROPN
fsr-3462	785	31	(	(	PUNCT
fsr-3462	785	32	2005	2005	NUM
fsr-3462	785	33	)	)	PUNCT
fsr-3462	785	34	.	.	PUNCT
fsr-3462	786	1	the	the	DET
fsr-3462	786	2	human	human	ADJ
fsr-3462	786	3	brain	brain	NOUN
fsr-3462	786	4	is	be	AUX
fsr-3462	786	5	intrinsically	intrinsically	ADV
fsr-3462	786	6	organized	organize	VERB
fsr-3462	786	7	into	into	ADP
fsr-3462	786	8	dynamic	dynamic	ADJ
fsr-3462	786	9	,	,	PUNCT
fsr-3462	786	10	anticorrelated	anticorrelate	VERB
fsr-3462	786	11	functional	functional	ADJ
fsr-3462	786	12	networks	network	NOUN
fsr-3462	786	13	.	.	PUNCT
fsr-3462	787	1	proceedings	proceeding	NOUN
fsr-3462	787	2	of	of	ADP
fsr-3462	787	3	the	the	DET
fsr-3462	787	4	national	national	PROPN
fsr-3462	787	5	academy	academy	PROPN
fsr-3462	787	6	of	of	ADP
fsr-3462	787	7	sciences	sciences	PROPN
fsr-3462	787	8	of	of	ADP
fsr-3462	787	9	the	the	DET
fsr-3462	787	10	united	united	PROPN
fsr-3462	787	11	states	states	PROPN
fsr-3462	787	12	of	of	ADP
fsr-3462	787	13	america	america	PROPN
fsr-3462	787	14	,	,	PUNCT
fsr-3462	787	15	102	102	NUM
fsr-3462	787	16	,	,	PUNCT
fsr-3462	787	17	9673–9678	9673–9678	NUM
fsr-3462	787	18	.	.	PUNCT
fsr-3462	788	1	grable	grable	PROPN
fsr-3462	788	2	,	,	PUNCT
fsr-3462	788	3	j.	j.	PROPN
fsr-3462	788	4	,	,	PUNCT
fsr-3462	788	5	&	&	CCONJ
fsr-3462	788	6	joo	joo	PROPN
fsr-3462	788	7	,	,	PUNCT
fsr-3462	788	8	s.	s.	PROPN
fsr-3462	788	9	(	(	PUNCT
fsr-3462	788	10	2006	2006	NUM
fsr-3462	788	11	)	)	PUNCT
fsr-3462	788	12	.	.	PUNCT
fsr-3462	789	1	student	student	NOUN
fsr-3462	789	2	racial	racial	ADJ
fsr-3462	789	3	differences	difference	NOUN
fsr-3462	789	4	in	in	ADP
fsr-3462	789	5	credit	credit	NOUN
fsr-3462	789	6	card	card	NOUN
fsr-3462	789	7	debt	debt	NOUN
fsr-3462	789	8	and	and	CCONJ
fsr-3462	789	9	financial	financial	ADJ
fsr-3462	789	10	behaviors	behavior	NOUN
fsr-3462	789	11	stress	stress	VERB
fsr-3462	789	12	.	.	PUNCT
fsr-3462	790	1	college	college	NOUN
fsr-3462	790	2	student	student	NOUN
fsr-3462	790	3	journal	journal	NOUN
fsr-3462	790	4	,	,	PUNCT
fsr-3462	790	5	40	40	NUM
fsr-3462	790	6	,	,	PUNCT
fsr-3462	790	7	400–408	400–408	NUM
fsr-3462	790	8	.	.	PUNCT
fsr-3462	791	1	retrieved	retrieve	VERB
fsr-3462	791	2	from	from	ADP
fsr-3462	791	3	http://www.eric.ed.gov/ericwebportal/detail?accno=	http://www.eric.ed.gov/ericwebportal/detail?accno=	PROPN
fsr-3462	791	4	ej765337	ej765337	PROPN
fsr-3462	791	5	hancock	hancock	PROPN
fsr-3462	791	6	,	,	PUNCT
fsr-3462	791	7	a.	a.	NOUN
fsr-3462	791	8	m.	m.	NOUN
fsr-3462	791	9	,	,	PUNCT
fsr-3462	791	10	jorgensen	jorgensen	PROPN
fsr-3462	791	11	,	,	PUNCT
fsr-3462	791	12	b.	b.	PROPN
fsr-3462	791	13	l.	l.	PROPN
fsr-3462	791	14	,	,	PUNCT
fsr-3462	791	15	&	&	CCONJ
fsr-3462	791	16	swanson	swanson	PROPN
fsr-3462	791	17	,	,	PUNCT
fsr-3462	791	18	m.	m.	NOUN
fsr-3462	791	19	s.	s.	PROPN
fsr-3462	791	20	(	(	PUNCT
fsr-3462	791	21	2013	2013	NUM
fsr-3462	791	22	)	)	PUNCT
fsr-3462	791	23	.	.	PUNCT
fsr-3462	792	1	college	college	NOUN
fsr-3462	792	2	students	student	NOUN
fsr-3462	792	3	and	and	CCONJ
fsr-3462	792	4	credit	credit	NOUN
fsr-3462	792	5	card	card	NOUN
fsr-3462	792	6	use	use	NOUN
fsr-3462	792	7	:	:	PUNCT
fsr-3462	792	8	the	the	DET
fsr-3462	792	9	role	role	NOUN
fsr-3462	792	10	of	of	ADP
fsr-3462	792	11	parents	parent	NOUN
fsr-3462	792	12	,	,	PUNCT
fsr-3462	792	13	work	work	NOUN
fsr-3462	792	14	experience	experience	NOUN
fsr-3462	792	15	,	,	PUNCT
fsr-3462	792	16	financial	financial	ADJ
fsr-3462	792	17	knowledge	knowledge	NOUN
fsr-3462	792	18	,	,	PUNCT
fsr-3462	792	19	and	and	CCONJ
fsr-3462	792	20	credit	credit	NOUN
fsr-3462	792	21	card	card	NOUN
fsr-3462	792	22	attitudes	attitude	NOUN
fsr-3462	792	23	.	.	PUNCT
fsr-3462	793	1	journal	journal	NOUN
fsr-3462	793	2	of	of	ADP
fsr-3462	793	3	family	family	NOUN
fsr-3462	793	4	and	and	CCONJ
fsr-3462	793	5	economic	economic	ADJ
fsr-3462	793	6	issues	issue	NOUN
fsr-3462	793	7	,	,	PUNCT
fsr-3462	793	8	34	34	NUM
fsr-3462	793	9	,	,	PUNCT
fsr-3462	793	10	369–381	369–381	NUM
fsr-3462	793	11	.	.	PUNCT
fsr-3462	793	12	274	274	NUM
fsr-3462	793	13	g.	g.	PROPN
fsr-3462	793	14	barboza	barboza	PROPN
fsr-3462	793	15	et	et	PROPN
fsr-3462	793	16	al	al	PROPN
fsr-3462	793	17	.	.	PUNCT
fsr-3462	793	18	/	/	SYM
fsr-3462	793	19	financial	financial	ADJ
fsr-3462	793	20	services	service	NOUN
fsr-3462	793	21	review	review	VERB
fsr-3462	793	22	29	29	NUM
fsr-3462	793	23	(	(	PUNCT
fsr-3462	793	24	2021	2021	NUM
fsr-3462	793	25	)	)	PUNCT
fsr-3462	793	26	247–276	247–276	NUM
fsr-3462	793	27	hilgert	hilgert	NOUN
fsr-3462	793	28	,	,	PUNCT
fsr-3462	793	29	m.	m.	NOUN
fsr-3462	793	30	,	,	PUNCT
fsr-3462	793	31	hogarth	hogarth	NOUN
fsr-3462	793	32	,	,	PUNCT
fsr-3462	793	33	j.	j.	PROPN
fsr-3462	793	34	,	,	PUNCT
fsr-3462	793	35	&	&	CCONJ
fsr-3462	793	36	beverly	beverly	PROPN
fsr-3462	793	37	,	,	PUNCT
fsr-3462	793	38	s.	s.	PROPN
fsr-3462	793	39	(	(	PUNCT
fsr-3462	793	40	2003	2003	NUM
fsr-3462	793	41	)	)	PUNCT
fsr-3462	793	42	.	.	PUNCT
fsr-3462	794	1	household	household	NOUN
fsr-3462	794	2	financial	financial	ADJ
fsr-3462	794	3	management	management	NOUN
fsr-3462	794	4	:	:	PUNCT
fsr-3462	794	5	the	the	DET
fsr-3462	794	6	connection	connection	NOUN
fsr-3462	794	7	between	between	ADP
fsr-3462	794	8	knowledge	knowledge	NOUN
fsr-3462	794	9	and	and	CCONJ
fsr-3462	794	10	behavior	behavior	NOUN
fsr-3462	794	11	.	.	PUNCT
fsr-3462	795	1	federal	federal	PROPN
fsr-3462	795	2	reserve	reserve	PROPN
fsr-3462	795	3	bulletin	bulletin	PROPN
fsr-3462	795	4	,	,	PUNCT
fsr-3462	795	5	89	89	NUM
fsr-3462	795	6	,	,	PUNCT
fsr-3462	795	7	309–322	309–322	NUM
fsr-3462	795	8	.	.	PUNCT
fsr-3462	796	1	houston	houston	PROPN
fsr-3462	796	2	,	,	PUNCT
fsr-3462	796	3	s.	s.	PROPN
fsr-3462	796	4	j.	j.	PROPN
fsr-3462	796	5	(	(	PUNCT
fsr-3462	796	6	2010	2010	NUM
fsr-3462	796	7	)	)	PUNCT
fsr-3462	796	8	.	.	PUNCT
fsr-3462	797	1	measuring	measure	VERB
fsr-3462	797	2	financial	financial	ADJ
fsr-3462	797	3	literacy	literacy	NOUN
fsr-3462	797	4	.	.	PUNCT
fsr-3462	798	1	the	the	DET
fsr-3462	798	2	journal	journal	NOUN
fsr-3462	798	3	of	of	ADP
fsr-3462	798	4	consumer	consumer	NOUN
fsr-3462	798	5	affairs	affair	NOUN
fsr-3462	798	6	,	,	PUNCT
fsr-3462	798	7	44	44	NUM
fsr-3462	798	8	,	,	PUNCT
fsr-3462	798	9	296–316	296–316	NUM
fsr-3462	798	10	.	.	PUNCT
fsr-3462	799	1	joo	joo	PROPN
fsr-3462	799	2	,	,	PUNCT
fsr-3462	799	3	s.	s.	PROPN
fsr-3462	799	4	,	,	PUNCT
fsr-3462	799	5	&	&	CCONJ
fsr-3462	799	6	garman	garman	PROPN
fsr-3462	799	7	,	,	PUNCT
fsr-3462	799	8	t.	t.	PROPN
fsr-3462	799	9	e.	e.	PROPN
fsr-3462	799	10	(	(	PUNCT
fsr-3462	799	11	1998	1998	NUM
fsr-3462	799	12	)	)	PUNCT
fsr-3462	799	13	.	.	PUNCT
fsr-3462	800	1	the	the	DET
fsr-3462	800	2	potential	potential	ADJ
fsr-3462	800	3	effects	effect	NOUN
fsr-3462	800	4	of	of	ADP
fsr-3462	800	5	workplace	workplace	ADJ
fsr-3462	800	6	financial	financial	ADJ
fsr-3462	800	7	education	education	NOUN
fsr-3462	800	8	based	base	VERB
fsr-3462	800	9	on	on	ADP
fsr-3462	800	10	the	the	DET
fsr-3462	800	11	relationship	relationship	NOUN
fsr-3462	800	12	between	between	ADP
fsr-3462	800	13	personal	personal	ADJ
fsr-3462	800	14	financial	financial	ADJ
fsr-3462	800	15	wellness	wellness	NOUN
fsr-3462	800	16	and	and	CCONJ
fsr-3462	800	17	worker	worker	NOUN
fsr-3462	800	18	job	job	NOUN
fsr-3462	800	19	productivity	productivity	NOUN
fsr-3462	800	20	.	.	PUNCT
fsr-3462	801	1	personal	personal	ADJ
fsr-3462	801	2	finances	finance	NOUN
fsr-3462	801	3	and	and	CCONJ
fsr-3462	801	4	worker	worker	NOUN
fsr-3462	801	5	productivity	productivity	NOUN
fsr-3462	801	6	,	,	PUNCT
fsr-3462	801	7	2	2	NUM
fsr-3462	801	8	,	,	PUNCT
fsr-3462	801	9	163–173	163–173	NUM
fsr-3462	801	10	.	.	PUNCT
fsr-3462	802	1	kapoor	kapoor	PROPN
fsr-3462	802	2	,	,	PUNCT
fsr-3462	802	3	a.	a.	PROPN
fsr-3462	802	4	,	,	PUNCT
fsr-3462	802	5	dunn	dunn	PROPN
fsr-3462	802	6	,	,	PUNCT
fsr-3462	802	7	e.	e.	PROPN
fsr-3462	802	8	,	,	PUNCT
fsr-3462	802	9	kostaki	kostaki	PROPN
fsr-3462	802	10	,	,	PUNCT
fsr-3462	802	11	a.	a.	PROPN
fsr-3462	802	12	,	,	PUNCT
fsr-3462	802	13	andrews	andrews	PROPN
fsr-3462	802	14	,	,	PUNCT
fsr-3462	802	15	m.	m.	PROPN
fsr-3462	802	16	h.	h.	PROPN
fsr-3462	802	17	,	,	PUNCT
fsr-3462	802	18	&	&	CCONJ
fsr-3462	802	19	matthews	matthews	PROPN
fsr-3462	802	20	,	,	PUNCT
fsr-3462	802	21	s.	s.	PROPN
fsr-3462	802	22	g.	g.	PROPN
fsr-3462	802	23	(	(	PUNCT
fsr-3462	802	24	2006	2006	NUM
fsr-3462	802	25	)	)	PUNCT
fsr-3462	802	26	.	.	PUNCT
fsr-3462	803	1	fetal	fetal	ADJ
fsr-3462	803	2	programming	programming	NOUN
fsr-3462	803	3	of	of	ADP
fsr-3462	803	4	hypothalamo	hypothalamo	NOUN
fsr-3462	803	5	-	-	PUNCT
fsr-3462	803	6	pituitary	pituitary	ADJ
fsr-3462	803	7	-	-	PUNCT
fsr-3462	803	8	adrenal	adrenal	ADJ
fsr-3462	803	9	function	function	NOUN
fsr-3462	803	10	:	:	PUNCT
fsr-3462	803	11	prenatal	prenatal	ADJ
fsr-3462	803	12	stress	stress	NOUN
fsr-3462	803	13	and	and	CCONJ
fsr-3462	803	14	glucocorticoids	glucocorticoid	NOUN
fsr-3462	803	15	.	.	PUNCT
fsr-3462	804	1	the	the	DET
fsr-3462	804	2	journal	journal	PROPN
fsr-3462	804	3	of	of	ADP
fsr-3462	804	4	physiology	physiology	NOUN
fsr-3462	804	5	,	,	PUNCT
fsr-3462	804	6	572	572	NUM
fsr-3462	804	7	,	,	PUNCT
fsr-3462	804	8	31–44	31–44	NUM
fsr-3462	804	9	.	.	PUNCT
fsr-3462	804	10	kempson	kempson	PROPN
fsr-3462	804	11	,	,	PUNCT
fsr-3462	804	12	e.	e.	PROPN
fsr-3462	804	13	(	(	PUNCT
fsr-3462	804	14	2009	2009	NUM
fsr-3462	804	15	)	)	PUNCT
fsr-3462	804	16	.	.	PUNCT
fsr-3462	805	1	framework	framework	NOUN
fsr-3462	805	2	for	for	ADP
fsr-3462	805	3	the	the	DET
fsr-3462	805	4	development	development	NOUN
fsr-3462	805	5	of	of	ADP
fsr-3462	805	6	financial	financial	ADJ
fsr-3462	805	7	literacy	literacy	NOUN
fsr-3462	805	8	baseline	baseline	NOUN
fsr-3462	805	9	surveys	survey	NOUN
fsr-3462	805	10	.	.	PUNCT
fsr-3462	806	1	retrieved	retrieve	VERB
fsr-3462	806	2	from	from	ADP
fsr-3462	806	3	oecd-library.org	oecd-library.org	PROPN
fsr-3462	806	4	kezar	kezar	PROPN
fsr-3462	806	5	,	,	PUNCT
fsr-3462	806	6	a.	a.	PROPN
fsr-3462	806	7	,	,	PUNCT
fsr-3462	806	8	&	&	CCONJ
fsr-3462	806	9	yang	yang	PROPN
fsr-3462	806	10	,	,	PUNCT
fsr-3462	806	11	h.	h.	PROPN
fsr-3462	806	12	(	(	PUNCT
fsr-3462	806	13	2010	2010	NUM
fsr-3462	806	14	)	)	PUNCT
fsr-3462	806	15	.	.	PUNCT
fsr-3462	807	1	the	the	DET
fsr-3462	807	2	importance	importance	NOUN
fsr-3462	807	3	of	of	ADP
fsr-3462	807	4	financial	financial	ADJ
fsr-3462	807	5	literacy	literacy	NOUN
fsr-3462	807	6	.	.	PUNCT
fsr-3462	808	1	about	about	ADP
fsr-3462	808	2	campus	campus	NOUN
fsr-3462	808	3	:	:	PUNCT
fsr-3462	808	4	enriching	enrich	VERB
fsr-3462	808	5	the	the	DET
fsr-3462	808	6	student	student	NOUN
fsr-3462	808	7	learning	learning	NOUN
fsr-3462	808	8	experience	experience	NOUN
fsr-3462	808	9	,	,	PUNCT
fsr-3462	808	10	14	14	NUM
fsr-3462	808	11	,	,	PUNCT
fsr-3462	808	12	15–21	15–21	NUM
fsr-3462	808	13	.	.	PUNCT
fsr-3462	809	1	kim	kim	PROPN
fsr-3462	809	2	,	,	PUNCT
fsr-3462	809	3	n.	n.	PROPN
fsr-3462	809	4	,	,	PUNCT
fsr-3462	809	5	&	&	CCONJ
fsr-3462	809	6	mountain	mountain	NOUN
fsr-3462	809	7	,	,	PUNCT
fsr-3462	809	8	t.	t.	PROPN
fsr-3462	809	9	p.	p.	PROPN
fsr-3462	809	10	(	(	PUNCT
fsr-3462	809	11	2019	2019	NUM
fsr-3462	809	12	)	)	PUNCT
fsr-3462	809	13	.	.	PUNCT
fsr-3462	810	1	financial	financial	ADJ
fsr-3462	810	2	knowledge	knowledge	NOUN
fsr-3462	810	3	and	and	CCONJ
fsr-3462	810	4	“	"	PUNCT
fsr-3462	810	5	do	do	AUX
fsr-3462	810	6	n’t	not	PART
fsr-3462	810	7	know	know	VERB
fsr-3462	810	8	”	"	PUNCT
fsr-3462	810	9	response	response	NOUN
fsr-3462	810	10	.	.	PUNCT
fsr-3462	811	1	journal	journal	NOUN
fsr-3462	811	2	of	of	ADP
fsr-3462	811	3	consumer	consumer	NOUN
fsr-3462	811	4	affairs	affair	NOUN
fsr-3462	811	5	,	,	PUNCT
fsr-3462	811	6	53(4	53(4	NOUN
fsr-3462	811	7	)	)	PUNCT
fsr-3462	811	8	,	,	PUNCT
fsr-3462	811	9	1948–1969	1948–1969	NUM
fsr-3462	811	10	.	.	PUNCT
fsr-3462	812	1	knoll	knoll	NOUN
fsr-3462	812	2	,	,	PUNCT
fsr-3462	812	3	m.	m.	NOUN
fsr-3462	812	4	a.	a.	PROPN
fsr-3462	812	5	z.	z.	PROPN
fsr-3462	812	6	,	,	PUNCT
fsr-3462	812	7	&	&	CCONJ
fsr-3462	812	8	houts	hout	NOUN
fsr-3462	812	9	,	,	PUNCT
fsr-3462	812	10	c.	c.	PROPN
fsr-3462	812	11	r.	r.	PROPN
fsr-3462	812	12	(	(	PUNCT
fsr-3462	812	13	2012	2012	NUM
fsr-3462	812	14	)	)	PUNCT
fsr-3462	812	15	.	.	PUNCT
fsr-3462	813	1	the	the	DET
fsr-3462	813	2	financial	financial	ADJ
fsr-3462	813	3	knowledge	knowledge	NOUN
fsr-3462	813	4	scale	scale	NOUN
fsr-3462	813	5	:	:	PUNCT
fsr-3462	813	6	an	an	DET
fsr-3462	813	7	application	application	NOUN
fsr-3462	813	8	of	of	ADP
fsr-3462	813	9	item	item	NOUN
fsr-3462	813	10	response	response	NOUN
fsr-3462	813	11	theory	theory	NOUN
fsr-3462	813	12	to	to	ADP
fsr-3462	813	13	the	the	DET
fsr-3462	813	14	assessment	assessment	NOUN
fsr-3462	813	15	of	of	ADP
fsr-3462	813	16	financial	financial	ADJ
fsr-3462	813	17	literacy	literacy	NOUN
fsr-3462	813	18	.	.	PUNCT
fsr-3462	814	1	journal	journal	NOUN
fsr-3462	814	2	of	of	ADP
fsr-3462	814	3	consumer	consumer	NOUN
fsr-3462	814	4	affairs	affair	NOUN
fsr-3462	814	5	,	,	PUNCT
fsr-3462	814	6	46	46	NUM
fsr-3462	814	7	,	,	PUNCT
fsr-3462	814	8	381–410	381–410	NUM
fsr-3462	814	9	.	.	PUNCT
fsr-3462	815	1	koshal	koshal	PROPN
fsr-3462	815	2	,	,	PUNCT
fsr-3462	815	3	r.	r.	PROPN
fsr-3462	815	4	k.	k.	PROPN
fsr-3462	815	5	,	,	PUNCT
fsr-3462	815	6	gupta	gupta	PROPN
fsr-3462	815	7	,	,	PUNCT
fsr-3462	815	8	a.	a.	PROPN
fsr-3462	815	9	k.	k.	PROPN
fsr-3462	815	10	,	,	PUNCT
fsr-3462	815	11	goyal	goyal	PROPN
fsr-3462	815	12	,	,	PUNCT
fsr-3462	815	13	a.	a.	PROPN
fsr-3462	815	14	,	,	PUNCT
fsr-3462	815	15	&	&	CCONJ
fsr-3462	815	16	choudhary	choudhary	PROPN
fsr-3462	815	17	,	,	PUNCT
fsr-3462	815	18	v.	v.	ADP
fsr-3462	815	19	n.	n.	PROPN
fsr-3462	815	20	(	(	PUNCT
fsr-3462	815	21	2008	2008	NUM
fsr-3462	815	22	)	)	PUNCT
fsr-3462	815	23	.	.	PUNCT
fsr-3462	816	1	assessing	assess	VERB
fsr-3462	816	2	economic	economic	ADJ
fsr-3462	816	3	literacy	literacy	NOUN
fsr-3462	816	4	of	of	ADP
fsr-3462	816	5	indian	indian	ADJ
fsr-3462	816	6	mba	mba	PROPN
fsr-3462	816	7	students	student	NOUN
fsr-3462	816	8	.	.	PUNCT
fsr-3462	817	1	american	american	PROPN
fsr-3462	817	2	journal	journal	PROPN
fsr-3462	817	3	of	of	ADP
fsr-3462	817	4	business	business	NOUN
fsr-3462	817	5	,	,	PUNCT
fsr-3462	817	6	23	23	NUM
fsr-3462	817	7	,	,	PUNCT
fsr-3462	817	8	43–52	43–52	NUM
fsr-3462	817	9	.	.	PUNCT
fsr-3462	817	10	kuchler	kuchler	PROPN
fsr-3462	817	11	,	,	PUNCT
fsr-3462	817	12	t.	t.	PROPN
fsr-3462	817	13	(	(	PUNCT
fsr-3462	817	14	2013	2013	NUM
fsr-3462	817	15	)	)	PUNCT
fsr-3462	817	16	.	.	PUNCT
fsr-3462	818	1	sticking	stick	VERB
fsr-3462	818	2	to	to	ADP
fsr-3462	818	3	your	your	PRON
fsr-3462	818	4	plan	plan	NOUN
fsr-3462	818	5	:	:	PUNCT
fsr-3462	818	6	hyperbolic	hyperbolic	ADJ
fsr-3462	818	7	discounting	discounting	NOUN
fsr-3462	818	8	and	and	CCONJ
fsr-3462	818	9	credit	credit	NOUN
fsr-3462	818	10	card	card	NOUN
fsr-3462	818	11	debt	debt	NOUN
fsr-3462	818	12	paydown	paydown	NOUN
fsr-3462	818	13	.	.	PUNCT
fsr-3462	819	1	discussion	discussion	NOUN
fsr-3462	819	2	papers	paper	NOUN
fsr-3462	819	3	12	12	NUM
fsr-3462	819	4	-	-	PUNCT
fsr-3462	819	5	025	025	NUM
fsr-3462	819	6	.	.	PUNCT
fsr-3462	820	1	stanford	stanford	PROPN
fsr-3462	820	2	institute	institute	PROPN
fsr-3462	820	3	for	for	ADP
fsr-3462	820	4	economic	economic	ADJ
fsr-3462	820	5	policy	policy	NOUN
fsr-3462	820	6	research	research	NOUN
fsr-3462	820	7	.	.	PUNCT
fsr-3462	821	1	laibson	laibson	PROPN
fsr-3462	821	2	,	,	PUNCT
fsr-3462	821	3	d.	d.	PROPN
fsr-3462	821	4	(	(	PUNCT
fsr-3462	821	5	1997	1997	NUM
fsr-3462	821	6	)	)	PUNCT
fsr-3462	821	7	.	.	PUNCT
fsr-3462	822	1	golden	golden	ADJ
fsr-3462	822	2	eggs	egg	NOUN
fsr-3462	822	3	and	and	CCONJ
fsr-3462	822	4	hyperbolic	hyperbolic	ADJ
fsr-3462	822	5	discounting	discounting	NOUN
fsr-3462	822	6	.	.	PUNCT
fsr-3462	823	1	the	the	DET
fsr-3462	823	2	quarterly	quarterly	ADJ
fsr-3462	823	3	journal	journal	NOUN
fsr-3462	823	4	of	of	ADP
fsr-3462	823	5	economics	economic	NOUN
fsr-3462	823	6	,	,	PUNCT
fsr-3462	823	7	112	112	NUM
fsr-3462	823	8	,	,	PUNCT
fsr-3462	823	9	443–477	443–477	NUM
fsr-3462	823	10	.	.	PUNCT
fsr-3462	824	1	lusardi	lusardi	PROPN
fsr-3462	824	2	,	,	PUNCT
fsr-3462	824	3	a.	a.	PROPN
fsr-3462	824	4	,	,	PUNCT
fsr-3462	824	5	&	&	CCONJ
fsr-3462	824	6	mitchell	mitchell	PROPN
fsr-3462	824	7	,	,	PUNCT
fsr-3462	824	8	o.	o.	PROPN
fsr-3462	824	9	s.	s.	PROPN
fsr-3462	824	10	(	(	PUNCT
fsr-3462	824	11	2007	2007	NUM
fsr-3462	824	12	)	)	PUNCT
fsr-3462	824	13	.	.	PUNCT
fsr-3462	825	1	baby	baby	NOUN
fsr-3462	825	2	boomer	boomer	PROPN
fsr-3462	825	3	retirement	retirement	PROPN
fsr-3462	825	4	security	security	PROPN
fsr-3462	825	5	:	:	PUNCT
fsr-3462	825	6	the	the	DET
fsr-3462	825	7	role	role	NOUN
fsr-3462	825	8	of	of	ADP
fsr-3462	825	9	planning	planning	NOUN
fsr-3462	825	10	,	,	PUNCT
fsr-3462	825	11	financial	financial	ADJ
fsr-3462	825	12	literacy	literacy	NOUN
fsr-3462	825	13	,	,	PUNCT
fsr-3462	825	14	and	and	CCONJ
fsr-3462	825	15	housing	housing	NOUN
fsr-3462	825	16	wealth	wealth	NOUN
fsr-3462	825	17	.	.	PUNCT
fsr-3462	826	1	journal	journal	PROPN
fsr-3462	826	2	of	of	ADP
fsr-3462	826	3	monetary	monetary	ADJ
fsr-3462	826	4	economics	economic	NOUN
fsr-3462	826	5	,	,	PUNCT
fsr-3462	826	6	54	54	NUM
fsr-3462	826	7	,	,	PUNCT
fsr-3462	826	8	205–224	205–224	NUM
fsr-3462	826	9	.	.	PUNCT
fsr-3462	827	1	lusardi	lusardi	PROPN
fsr-3462	827	2	,	,	PUNCT
fsr-3462	827	3	a.	a.	PROPN
fsr-3462	827	4	,	,	PUNCT
fsr-3462	827	5	&	&	CCONJ
fsr-3462	827	6	mitchell	mitchell	PROPN
fsr-3462	827	7	,	,	PUNCT
fsr-3462	827	8	o.	o.	PROPN
fsr-3462	827	9	s.	s.	PROPN
fsr-3462	827	10	(	(	PUNCT
fsr-3462	827	11	2014	2014	NUM
fsr-3462	827	12	)	)	PUNCT
fsr-3462	827	13	.	.	PUNCT
fsr-3462	828	1	the	the	DET
fsr-3462	828	2	economic	economic	ADJ
fsr-3462	828	3	importance	importance	NOUN
fsr-3462	828	4	of	of	ADP
fsr-3462	828	5	financial	financial	ADJ
fsr-3462	828	6	literacy	literacy	NOUN
fsr-3462	828	7	:	:	PUNCT
fsr-3462	828	8	theory	theory	NOUN
fsr-3462	828	9	and	and	CCONJ
fsr-3462	828	10	evidence	evidence	NOUN
fsr-3462	828	11	.	.	PUNCT
fsr-3462	829	1	journal	journal	NOUN
fsr-3462	829	2	of	of	ADP
fsr-3462	829	3	economic	economic	ADJ
fsr-3462	829	4	perspectives	perspective	NOUN
fsr-3462	829	5	,	,	PUNCT
fsr-3462	829	6	52	52	NUM
fsr-3462	829	7	,	,	PUNCT
fsr-3462	829	8	5–44	5–44	PROPN
fsr-3462	829	9	.	.	PROPN
fsr-3462	829	10	lusardi	lusardi	PROPN
fsr-3462	829	11	,	,	PUNCT
fsr-3462	829	12	a.	a.	PROPN
fsr-3462	829	13	,	,	PUNCT
fsr-3462	829	14	mitchell	mitchell	PROPN
fsr-3462	829	15	,	,	PUNCT
fsr-3462	829	16	o.	o.	PROPN
fsr-3462	829	17	s.	s.	PROPN
fsr-3462	829	18	,	,	PUNCT
fsr-3462	829	19	&	&	CCONJ
fsr-3462	829	20	curto	curto	PROPN
fsr-3462	829	21	,	,	PUNCT
fsr-3462	829	22	v.	v.	PROPN
fsr-3462	829	23	(	(	PUNCT
fsr-3462	829	24	2009	2009	NUM
fsr-3462	829	25	)	)	PUNCT
fsr-3462	829	26	.	.	PUNCT
fsr-3462	830	1	financial	financial	ADJ
fsr-3462	830	2	literacy	literacy	NOUN
fsr-3462	830	3	among	among	ADP
fsr-3462	830	4	the	the	DET
fsr-3462	830	5	young	young	ADJ
fsr-3462	830	6	:	:	PUNCT
fsr-3462	830	7	evidence	evidence	NOUN
fsr-3462	830	8	and	and	CCONJ
fsr-3462	830	9	implications	implication	NOUN
fsr-3462	830	10	for	for	ADP
fsr-3462	830	11	consumer	consumer	NOUN
fsr-3462	830	12	policy	policy	NOUN
fsr-3462	830	13	.	.	PUNCT
fsr-3462	831	1	cerp	cerp	NOUN
fsr-3462	831	2	working	work	VERB
fsr-3462	831	3	papers	paper	NOUN
fsr-3462	831	4	91	91	NUM
fsr-3462	831	5	.	.	PUNCT
fsr-3462	832	1	turin	turin	PROPN
fsr-3462	832	2	,	,	PUNCT
fsr-3462	832	3	italy	italy	PROPN
fsr-3462	832	4	:	:	PUNCT
fsr-3462	832	5	center	center	NOUN
fsr-3462	832	6	for	for	ADP
fsr-3462	832	7	research	research	NOUN
fsr-3462	832	8	on	on	ADP
fsr-3462	832	9	pensions	pension	NOUN
fsr-3462	832	10	and	and	CCONJ
fsr-3462	832	11	welfare	welfare	NOUN
fsr-3462	832	12	policies	policy	NOUN
fsr-3462	832	13	.	.	PUNCT
fsr-3462	833	1	lusardi	lusardi	PROPN
fsr-3462	833	2	,	,	PUNCT
fsr-3462	833	3	a.	a.	PROPN
fsr-3462	833	4	,	,	PUNCT
fsr-3462	833	5	mitchell	mitchell	PROPN
fsr-3462	833	6	,	,	PUNCT
fsr-3462	833	7	s.	s.	PROPN
fsr-3462	833	8	,	,	PUNCT
fsr-3462	833	9	&	&	CCONJ
fsr-3462	833	10	curto	curto	PROPN
fsr-3462	833	11	,	,	PUNCT
fsr-3462	833	12	v.	v.	PROPN
fsr-3462	833	13	(	(	PUNCT
fsr-3462	833	14	2010	2010	NUM
fsr-3462	833	15	)	)	PUNCT
fsr-3462	833	16	.	.	PUNCT
fsr-3462	834	1	financial	financial	ADJ
fsr-3462	834	2	literacy	literacy	NOUN
fsr-3462	834	3	among	among	ADP
fsr-3462	834	4	the	the	DET
fsr-3462	834	5	young	young	ADJ
fsr-3462	834	6	.	.	PUNCT
fsr-3462	835	1	journal	journal	PROPN
fsr-3462	835	2	of	of	ADP
fsr-3462	835	3	consumer	consumer	NOUN
fsr-3462	835	4	affairs	affair	NOUN
fsr-3462	835	5	,	,	PUNCT
fsr-3462	835	6	44	44	NUM
fsr-3462	835	7	,	,	PUNCT
fsr-3462	835	8	358–381	358–381	NUM
fsr-3462	835	9	.	.	PUNCT
fsr-3462	836	1	lusardi	lusardi	PROPN
fsr-3462	836	2	,	,	PUNCT
fsr-3462	836	3	a.	a.	PROPN
fsr-3462	836	4	,	,	PUNCT
fsr-3462	836	5	&	&	CCONJ
fsr-3462	836	6	tufano	tufano	ADJ
fsr-3462	836	7	,	,	PUNCT
fsr-3462	836	8	p.	p.	NOUN
fsr-3462	836	9	(	(	PUNCT
fsr-3462	836	10	2009	2009	NUM
fsr-3462	836	11	)	)	PUNCT
fsr-3462	836	12	.	.	PUNCT
fsr-3462	837	1	debt	debt	NOUN
fsr-3462	837	2	literacy	literacy	NOUN
fsr-3462	837	3	,	,	PUNCT
fsr-3462	837	4	financial	financial	ADJ
fsr-3462	837	5	experiences	experience	NOUN
fsr-3462	837	6	,	,	PUNCT
fsr-3462	837	7	and	and	CCONJ
fsr-3462	837	8	overindebtedness	overindebtedness	NOUN
fsr-3462	837	9	.	.	PUNCT
fsr-3462	838	1	nber	nber	PROPN
fsr-3462	838	2	working	working	PROPN
fsr-3462	838	3	papers	paper	NOUN
fsr-3462	838	4	14808	14808	NUM
fsr-3462	838	5	.	.	PUNCT
fsr-3462	839	1	national	national	PROPN
fsr-3462	839	2	bureau	bureau	PROPN
fsr-3462	839	3	of	of	ADP
fsr-3462	839	4	economic	economic	ADJ
fsr-3462	839	5	research	research	PROPN
fsr-3462	839	6	,	,	PUNCT
fsr-3462	839	7	inc	inc	PROPN
fsr-3462	839	8	.	.	PROPN
fsr-3462	839	9	lyons	lyons	PROPN
fsr-3462	839	10	,	,	PUNCT
fsr-3462	839	11	j.	j.	PROPN
fsr-3462	839	12	s.	s.	PROPN
fsr-3462	839	13	,	,	PUNCT
fsr-3462	839	14	&	&	CCONJ
fsr-3462	839	15	rogers	rogers	PROPN
fsr-3462	839	16	,	,	PUNCT
fsr-3462	839	17	l.	l.	PROPN
fsr-3462	839	18	(	(	PUNCT
fsr-3462	839	19	2004	2004	NUM
fsr-3462	839	20	)	)	PUNCT
fsr-3462	839	21	.	.	PUNCT
fsr-3462	840	1	the	the	DET
fsr-3462	840	2	us	us	PROPN
fsr-3462	840	3	child	child	NOUN
fsr-3462	840	4	welfare	welfare	NOUN
fsr-3462	840	5	system	system	NOUN
fsr-3462	840	6	:	:	PUNCT
fsr-3462	840	7	a	a	DET
fsr-3462	840	8	de	de	X
fsr-3462	840	9	facto	facto	X
fsr-3462	840	10	public	public	ADJ
fsr-3462	840	11	behavioral	behavioral	ADJ
fsr-3462	840	12	health	health	NOUN
fsr-3462	840	13	care	care	NOUN
fsr-3462	840	14	system	system	NOUN
fsr-3462	840	15	.	.	PUNCT
fsr-3462	841	1	journal	journal	NOUN
fsr-3462	841	2	of	of	ADP
fsr-3462	841	3	the	the	DET
fsr-3462	841	4	american	american	PROPN
fsr-3462	841	5	academy	academy	PROPN
fsr-3462	841	6	of	of	ADP
fsr-3462	841	7	child	child	PROPN
fsr-3462	841	8	&	&	CCONJ
fsr-3462	841	9	adolescent	adolescent	ADJ
fsr-3462	841	10	psychiatry	psychiatry	NOUN
fsr-3462	841	11	,	,	PUNCT
fsr-3462	841	12	43	43	NUM
fsr-3462	841	13	,	,	PUNCT
fsr-3462	841	14	971–973	971–973	NUM
fsr-3462	841	15	.	.	PUNCT
fsr-3462	842	1	mandell	mandell	PROPN
fsr-3462	842	2	,	,	PUNCT
fsr-3462	842	3	l.	l.	PROPN
fsr-3462	842	4	(	(	PUNCT
fsr-3462	842	5	1997	1997	NUM
fsr-3462	842	6	)	)	PUNCT
fsr-3462	842	7	.	.	PUNCT
fsr-3462	843	1	personal	personal	ADJ
fsr-3462	843	2	financial	financial	ADJ
fsr-3462	843	3	survey	survey	NOUN
fsr-3462	843	4	of	of	ADP
fsr-3462	843	5	high	high	ADJ
fsr-3462	843	6	school	school	NOUN
fsr-3462	843	7	seniors	senior	NOUN
fsr-3462	843	8	.	.	PUNCT
fsr-3462	844	1	washington	washington	PROPN
fsr-3462	844	2	,	,	PUNCT
fsr-3462	844	3	dc	dc	PROPN
fsr-3462	844	4	:	:	PUNCT
fsr-3462	844	5	jump	jump	VERB
fsr-3462	844	6	start	start	VERB
fsr-3462	844	7	coalition	coalition	NOUN
fsr-3462	844	8	for	for	ADP
fsr-3462	844	9	personal	personal	ADJ
fsr-3462	844	10	financial	financial	ADJ
fsr-3462	844	11	literacy	literacy	NOUN
fsr-3462	844	12	.	.	PUNCT
fsr-3462	845	1	mandell	mandell	PROPN
fsr-3462	845	2	,	,	PUNCT
fsr-3462	845	3	l.	l.	PROPN
fsr-3462	845	4	w.	w.	PROPN
fsr-3462	845	5	(	(	PUNCT
fsr-3462	845	6	2008	2008	NUM
fsr-3462	845	7	)	)	PUNCT
fsr-3462	845	8	.	.	PUNCT
fsr-3462	846	1	the	the	DET
fsr-3462	846	2	financial	financial	ADJ
fsr-3462	846	3	literacy	literacy	NOUN
fsr-3462	846	4	of	of	ADP
fsr-3462	846	5	young	young	ADJ
fsr-3462	846	6	american	american	ADJ
fsr-3462	846	7	adults	adult	NOUN
fsr-3462	846	8	:	:	PUNCT
fsr-3462	846	9	results	result	NOUN
fsr-3462	846	10	of	of	ADP
fsr-3462	846	11	the	the	DET
fsr-3462	846	12	2008	2008	NUM
fsr-3462	846	13	national	national	PROPN
fsr-3462	846	14	jump$tart	jump$tart	PROPN
fsr-3462	846	15	coalition	coalition	NOUN
fsr-3462	846	16	survey	survey	NOUN
fsr-3462	846	17	of	of	ADP
fsr-3462	846	18	high	high	ADJ
fsr-3462	846	19	school	school	NOUN
fsr-3462	846	20	seniors	senior	NOUN
fsr-3462	846	21	and	and	CCONJ
fsr-3462	846	22	college	college	NOUN
fsr-3462	846	23	students	student	NOUN
fsr-3462	846	24	.	.	PUNCT
fsr-3462	847	1	washington	washington	PROPN
fsr-3462	847	2	,	,	PUNCT
fsr-3462	847	3	dc	dc	PROPN
fsr-3462	847	4	:	:	PUNCT
fsr-3462	847	5	jump	jump	VERB
fsr-3462	847	6	start	start	VERB
fsr-3462	847	7	coalition	coalition	NOUN
fsr-3462	847	8	for	for	ADP
fsr-3462	847	9	personal	personal	ADJ
fsr-3462	847	10	financial	financial	ADJ
fsr-3462	847	11	literacy	literacy	NOUN
fsr-3462	847	12	.	.	PUNCT
fsr-3462	848	1	manton	manton	PROPN
fsr-3462	848	2	,	,	PUNCT
fsr-3462	848	3	e.	e.	PROPN
fsr-3462	848	4	j.	j.	PROPN
fsr-3462	848	5	,	,	PUNCT
fsr-3462	848	6	english	english	PROPN
fsr-3462	848	7	,	,	PUNCT
fsr-3462	848	8	d.	d.	PROPN
fsr-3462	848	9	e.	e.	PROPN
fsr-3462	848	10	,	,	PUNCT
fsr-3462	848	11	avard	avard	PROPN
fsr-3462	848	12	,	,	PUNCT
fsr-3462	848	13	s.	s.	PROPN
fsr-3462	848	14	,	,	PUNCT
fsr-3462	848	15	&	&	CCONJ
fsr-3462	848	16	walker	walker	PROPN
fsr-3462	848	17	,	,	PUNCT
fsr-3462	848	18	j.	j.	PROPN
fsr-3462	848	19	(	(	PUNCT
fsr-3462	848	20	2006	2006	NUM
fsr-3462	848	21	)	)	PUNCT
fsr-3462	848	22	.	.	PUNCT
fsr-3462	849	1	what	what	PRON
fsr-3462	849	2	college	college	NOUN
fsr-3462	849	3	freshmen	freshman	NOUN
fsr-3462	849	4	admit	admit	VERB
fsr-3462	849	5	to	to	PART
fsr-3462	849	6	not	not	PART
fsr-3462	849	7	knowing	know	VERB
fsr-3462	849	8	about	about	ADP
fsr-3462	849	9	personal	personal	ADJ
fsr-3462	849	10	finance	finance	NOUN
fsr-3462	849	11	.	.	PUNCT
fsr-3462	850	1	journal	journal	PROPN
fsr-3462	850	2	of	of	ADP
fsr-3462	850	3	college	college	NOUN
fsr-3462	850	4	.	.	PUNCT
fsr-3462	851	1	teaching	teaching	NOUN
fsr-3462	851	2	&	&	CCONJ
fsr-3462	851	3	.	.	PUNCT
fsr-3462	852	1	learning	learning	NOUN
fsr-3462	852	2	,	,	PUNCT
fsr-3462	852	3	3	3	NUM
fsr-3462	852	4	,	,	PUNCT
fsr-3462	852	5	43–54	43–54	NUM
fsr-3462	852	6	.	.	PUNCT
fsr-3462	853	1	marjanovic	marjanovic	PROPN
fsr-3462	853	2	,	,	PUNCT
fsr-3462	853	3	z.	z.	PROPN
fsr-3462	853	4	,	,	PUNCT
fsr-3462	853	5	greenglass	greenglass	PROPN
fsr-3462	853	6	,	,	PUNCT
fsr-3462	853	7	e.	e.	PROPN
fsr-3462	853	8	r.	r.	PROPN
fsr-3462	853	9	,	,	PUNCT
fsr-3462	853	10	fiksenbaum	fiksenbaum	PROPN
fsr-3462	853	11	,	,	PUNCT
fsr-3462	853	12	l.	l.	PROPN
fsr-3462	853	13	,	,	PUNCT
fsr-3462	853	14	&	&	CCONJ
fsr-3462	853	15	bell	bell	PROPN
fsr-3462	853	16	,	,	PUNCT
fsr-3462	853	17	c.	c.	PROPN
fsr-3462	853	18	m.	m.	NOUN
fsr-3462	853	19	(	(	PUNCT
fsr-3462	853	20	2013	2013	NUM
fsr-3462	853	21	)	)	PUNCT
fsr-3462	853	22	.	.	PUNCT
fsr-3462	854	1	psychometric	psychometric	ADJ
fsr-3462	854	2	evaluation	evaluation	NOUN
fsr-3462	854	3	of	of	ADP
fsr-3462	854	4	the	the	DET
fsr-3462	854	5	financial	financial	ADJ
fsr-3462	854	6	threat	threat	NOUN
fsr-3462	854	7	scale	scale	NOUN
fsr-3462	854	8	(	(	PUNCT
fsr-3462	854	9	fts	fts	PROPN
fsr-3462	854	10	)	)	PUNCT
fsr-3462	854	11	in	in	ADP
fsr-3462	854	12	the	the	DET
fsr-3462	854	13	context	context	NOUN
fsr-3462	854	14	of	of	ADP
fsr-3462	854	15	the	the	DET
fsr-3462	854	16	great	great	ADJ
fsr-3462	854	17	recession	recession	NOUN
fsr-3462	854	18	.	.	PUNCT
fsr-3462	855	1	journal	journal	NOUN
fsr-3462	855	2	of	of	ADP
fsr-3462	855	3	economic	economic	ADJ
fsr-3462	855	4	psychology	psychology	NOUN
fsr-3462	855	5	,	,	PUNCT
fsr-3462	855	6	36	36	NUM
fsr-3462	855	7	,	,	PUNCT
fsr-3462	855	8	1–10	1–10	NOUN
fsr-3462	855	9	.	.	PUNCT
fsr-3462	856	1	markovich	markovich	PROPN
fsr-3462	856	2	,	,	PUNCT
fsr-3462	856	3	c.	c.	PROPN
fsr-3462	856	4	a.	a.	PROPN
fsr-3462	856	5	,	,	PUNCT
fsr-3462	856	6	&	&	CCONJ
fsr-3462	856	7	devaney	devaney	PROPN
fsr-3462	856	8	,	,	PUNCT
fsr-3462	856	9	s.	s.	PROPN
fsr-3462	856	10	(	(	PUNCT
fsr-3462	856	11	1997	1997	NUM
fsr-3462	856	12	)	)	PUNCT
fsr-3462	856	13	.	.	PUNCT
fsr-3462	857	1	college	college	NOUN
fsr-3462	857	2	seniors	senior	NOUN
fsr-3462	857	3	’	’	PART
fsr-3462	857	4	personal	personal	ADJ
fsr-3462	857	5	finance	finance	NOUN
fsr-3462	857	6	knowledge	knowledge	NOUN
fsr-3462	857	7	and	and	CCONJ
fsr-3462	857	8	practices	practice	NOUN
fsr-3462	857	9	.	.	PUNCT
fsr-3462	858	1	journal	journal	NOUN
fsr-3462	858	2	of	of	ADP
fsr-3462	858	3	family	family	NOUN
fsr-3462	858	4	and	and	CCONJ
fsr-3462	858	5	consumer	consumer	NOUN
fsr-3462	858	6	sciences	science	NOUN
fsr-3462	858	7	,	,	PUNCT
fsr-3462	858	8	89	89	NUM
fsr-3462	858	9	,	,	PUNCT
fsr-3462	858	10	61–65	61–65	NUM
fsr-3462	858	11	.	.	PUNCT
fsr-3462	859	1	moore	moore	PROPN
fsr-3462	859	2	,	,	PUNCT
fsr-3462	859	3	d.	d.	PROPN
fsr-3462	859	4	(	(	PUNCT
fsr-3462	859	5	2003	2003	NUM
fsr-3462	859	6	)	)	PUNCT
fsr-3462	859	7	.	.	PUNCT
fsr-3462	860	1	survey	survey	NOUN
fsr-3462	860	2	of	of	ADP
fsr-3462	860	3	financial	financial	ADJ
fsr-3462	860	4	literacy	literacy	NOUN
fsr-3462	860	5	in	in	ADP
fsr-3462	860	6	washington	washington	PROPN
fsr-3462	860	7	state	state	PROPN
fsr-3462	860	8	:	:	PUNCT
fsr-3462	860	9	knowledge	knowledge	NOUN
fsr-3462	860	10	,	,	PUNCT
fsr-3462	860	11	behavior	behavior	NOUN
fsr-3462	860	12	,	,	PUNCT
fsr-3462	860	13	attitudes	attitude	NOUN
fsr-3462	860	14	,	,	PUNCT
fsr-3462	860	15	and	and	CCONJ
fsr-3462	860	16	experiences	experience	NOUN
fsr-3462	860	17	.	.	PUNCT
fsr-3462	861	1	olympia	olympia	PROPN
fsr-3462	861	2	,	,	PUNCT
fsr-3462	861	3	wa	wa	PROPN
fsr-3462	861	4	:	:	PUNCT
fsr-3462	861	5	washington	washington	PROPN
fsr-3462	861	6	state	state	PROPN
fsr-3462	861	7	department	department	PROPN
fsr-3462	861	8	of	of	ADP
fsr-3462	861	9	financial	financial	ADJ
fsr-3462	861	10	institutions	institution	NOUN
fsr-3462	861	11	.	.	PUNCT
fsr-3462	862	1	moore	moore	PROPN
fsr-3462	862	2	,	,	PUNCT
fsr-3462	862	3	d.	d.	PROPN
fsr-3462	862	4	a.	a.	PROPN
fsr-3462	862	5	,	,	PUNCT
fsr-3462	862	6	&	&	CCONJ
fsr-3462	862	7	healy	healy	PROPN
fsr-3462	862	8	,	,	PUNCT
fsr-3462	862	9	p.	p.	PROPN
fsr-3462	862	10	j.	j.	PROPN
fsr-3462	862	11	(	(	PUNCT
fsr-3462	862	12	2008	2008	NUM
fsr-3462	862	13	)	)	PUNCT
fsr-3462	862	14	.	.	PUNCT
fsr-3462	863	1	the	the	DET
fsr-3462	863	2	trouble	trouble	NOUN
fsr-3462	863	3	with	with	ADP
fsr-3462	863	4	overconfidence	overconfidence	NOUN
fsr-3462	863	5	.	.	PUNCT
fsr-3462	864	1	psychological	psychological	ADJ
fsr-3462	864	2	review	review	NOUN
fsr-3462	864	3	,	,	PUNCT
fsr-3462	864	4	115(3	115(3	NUM
fsr-3462	864	5	)	)	PUNCT
fsr-3462	864	6	,	,	PUNCT
fsr-3462	864	7	502	502	NUM
fsr-3462	864	8	.	.	PUNCT
fsr-3462	865	1	nelson	nelson	PROPN
fsr-3462	865	2	,	,	PUNCT
fsr-3462	865	3	m.	m.	NOUN
fsr-3462	865	4	,	,	PUNCT
fsr-3462	865	5	lust	lust	NOUN
fsr-3462	865	6	,	,	PUNCT
fsr-3462	865	7	k.	k.	PROPN
fsr-3462	865	8	,	,	PUNCT
fsr-3462	865	9	story	story	NOUN
fsr-3462	865	10	,	,	PUNCT
fsr-3462	865	11	mf	mf	X
fsr-3462	865	12	.	.	PROPN
fsr-3462	865	13	,	,	PUNCT
fsr-3462	865	14	&	&	CCONJ
fsr-3462	865	15	ehlinger	ehlinger	NOUN
fsr-3462	865	16	,	,	PUNCT
fsr-3462	865	17	e.	e.	PROPN
fsr-3462	865	18	(	(	PUNCT
fsr-3462	865	19	2008	2008	NUM
fsr-3462	865	20	)	)	PUNCT
fsr-3462	865	21	.	.	PUNCT
fsr-3462	866	1	credit	credit	NOUN
fsr-3462	866	2	card	card	NOUN
fsr-3462	866	3	debts	debt	NOUN
fsr-3462	866	4	,	,	PUNCT
fsr-3462	866	5	stress	stress	NOUN
fsr-3462	866	6	and	and	CCONJ
fsr-3462	866	7	key	key	ADJ
fsr-3462	866	8	health	health	NOUN
fsr-3462	866	9	risk	risk	NOUN
fsr-3462	866	10	behaviors	behavior	NOUN
fsr-3462	866	11	among	among	ADP
fsr-3462	866	12	college	college	NOUN
fsr-3462	866	13	students	student	NOUN
fsr-3462	866	14	.	.	PUNCT
fsr-3462	867	1	american	american	PROPN
fsr-3462	867	2	journal	journal	PROPN
fsr-3462	867	3	of	of	ADP
fsr-3462	867	4	health	health	PROPN
fsr-3462	867	5	promotion	promotion	NOUN
fsr-3462	867	6	,	,	PUNCT
fsr-3462	867	7	22	22	NUM
fsr-3462	867	8	,	,	PUNCT
fsr-3462	867	9	400–412	400–412	NUM
fsr-3462	867	10	.	.	PUNCT
fsr-3462	868	1	g.	g.	PROPN
fsr-3462	868	2	barboza	barboza	PROPN
fsr-3462	868	3	et	et	PROPN
fsr-3462	869	1	al	al	PROPN
fsr-3462	869	2	.	.	PUNCT
fsr-3462	869	3	/	/	SYM
fsr-3462	869	4	financial	financial	ADJ
fsr-3462	869	5	services	service	NOUN
fsr-3462	869	6	review	review	VERB
fsr-3462	869	7	29	29	NUM
fsr-3462	869	8	(	(	PUNCT
fsr-3462	869	9	2021	2021	NUM
fsr-3462	869	10	)	)	PUNCT
fsr-3462	869	11	247–276	247–276	NUM
fsr-3462	869	12	275	275	NUM
fsr-3462	869	13	norvilitis	norvilitis	PROPN
fsr-3462	869	14	,	,	PUNCT
fsr-3462	869	15	j.	j.	PROPN
fsr-3462	869	16	m.	m.	PROPN
fsr-3462	869	17	,	,	PUNCT
fsr-3462	869	18	merwin	merwin	PROPN
fsr-3462	869	19	,	,	PUNCT
fsr-3462	869	20	m.	m.	NOUN
fsr-3462	869	21	m.	m.	NOUN
fsr-3462	869	22	,	,	PUNCT
fsr-3462	869	23	osberg	osberg	PROPN
fsr-3462	869	24	,	,	PUNCT
fsr-3462	869	25	t.	t.	NOUN
fsr-3462	869	26	m.	m.	NOUN
fsr-3462	869	27	,	,	PUNCT
fsr-3462	869	28	roehling	roehling	NOUN
fsr-3462	869	29	,	,	PUNCT
fsr-3462	869	30	p.	p.	NOUN
fsr-3462	869	31	v.	v.	NOUN
fsr-3462	869	32	,	,	PUNCT
fsr-3462	869	33	young	young	ADJ
fsr-3462	869	34	,	,	PUNCT
fsr-3462	869	35	p.	p.	NOUN
fsr-3462	869	36	,	,	PUNCT
fsr-3462	869	37	&	&	CCONJ
fsr-3462	869	38	kamas	kamas	PROPN
fsr-3462	869	39	,	,	PUNCT
fsr-3462	869	40	m.	m.	NOUN
fsr-3462	869	41	m.	m.	NOUN
fsr-3462	869	42	(	(	PUNCT
fsr-3462	869	43	2006	2006	NUM
fsr-3462	869	44	)	)	PUNCT
fsr-3462	869	45	.	.	PUNCT
fsr-3462	870	1	personality	personality	NOUN
fsr-3462	870	2	factors	factor	NOUN
fsr-3462	870	3	,	,	PUNCT
fsr-3462	870	4	money	money	NOUN
fsr-3462	870	5	attitudes	attitude	NOUN
fsr-3462	870	6	,	,	PUNCT
fsr-3462	870	7	financial	financial	ADJ
fsr-3462	870	8	knowledge	knowledge	NOUN
fsr-3462	870	9	,	,	PUNCT
fsr-3462	870	10	and	and	CCONJ
fsr-3462	870	11	credit	credit	NOUN
fsr-3462	870	12	-	-	PUNCT
fsr-3462	870	13	card	card	NOUN
fsr-3462	870	14	debt	debt	NOUN
fsr-3462	870	15	in	in	ADP
fsr-3462	870	16	college	college	NOUN
fsr-3462	870	17	students	student	NOUN
fsr-3462	870	18	1	1	NUM
fsr-3462	870	19	.	.	PUNCT
fsr-3462	870	20	journal	journal	NOUN
fsr-3462	870	21	of	of	ADP
fsr-3462	870	22	applied	apply	VERB
fsr-3462	870	23	social	social	ADJ
fsr-3462	870	24	psychology	psychology	NOUN
fsr-3462	870	25	,	,	PUNCT
fsr-3462	870	26	36	36	NUM
fsr-3462	870	27	,	,	PUNCT
fsr-3462	870	28	1395–1413	1395–1413	NUM
fsr-3462	870	29	.	.	PUNCT
fsr-3462	871	1	o’donoghue	o’donoghue	PROPN
fsr-3462	871	2	,	,	PUNCT
fsr-3462	871	3	t.	t.	PROPN
fsr-3462	871	4	,	,	PUNCT
fsr-3462	871	5	&	&	CCONJ
fsr-3462	871	6	rabin	rabin	PROPN
fsr-3462	871	7	,	,	PUNCT
fsr-3462	871	8	m.	m.	NOUN
fsr-3462	871	9	(	(	PUNCT
fsr-3462	871	10	1999	1999	NUM
fsr-3462	871	11	)	)	PUNCT
fsr-3462	871	12	.	.	PUNCT
fsr-3462	872	1	doing	do	VERB
fsr-3462	872	2	it	it	PRON
fsr-3462	872	3	now	now	ADV
fsr-3462	872	4	or	or	CCONJ
fsr-3462	872	5	later	later	ADV
fsr-3462	872	6	.	.	PUNCT
fsr-3462	873	1	american	american	PROPN
fsr-3462	873	2	economic	economic	PROPN
fsr-3462	873	3	review	review	PROPN
fsr-3462	873	4	,	,	PUNCT
fsr-3462	873	5	89	89	NUM
fsr-3462	873	6	,	,	PUNCT
fsr-3462	873	7	103–124	103–124	NUM
fsr-3462	873	8	.	.	PUNCT
fsr-3462	874	1	peters	peters	PROPN
fsr-3462	874	2	,	,	PUNCT
fsr-3462	874	3	m.	m.	NOUN
fsr-3462	874	4	,	,	PUNCT
fsr-3462	874	5	seeds	seed	NOUN
fsr-3462	874	6	,	,	PUNCT
fsr-3462	874	7	k.	k.	PROPN
fsr-3462	874	8	,	,	PUNCT
fsr-3462	874	9	goldstein	goldstein	PROPN
fsr-3462	874	10	,	,	PUNCT
fsr-3462	874	11	a.	a.	PROPN
fsr-3462	874	12	,	,	PUNCT
fsr-3462	874	13	&	&	CCONJ
fsr-3462	874	14	coleman	coleman	PROPN
fsr-3462	874	15	,	,	PUNCT
fsr-3462	874	16	n.	n.	PROPN
fsr-3462	874	17	(	(	PUNCT
fsr-3462	874	18	2007	2007	NUM
fsr-3462	874	19	)	)	PUNCT
fsr-3462	874	20	.	.	PUNCT
fsr-3462	875	1	parental	parental	ADJ
fsr-3462	875	2	involvement	involvement	NOUN
fsr-3462	875	3	in	in	ADP
fsr-3462	875	4	children	child	NOUN
fsr-3462	875	5	’s	’s	PART
fsr-3462	875	6	education	education	NOUN
fsr-3462	875	7	2007	2007	NUM
fsr-3462	875	8	,	,	PUNCT
fsr-3462	875	9	dcsf	dcsf	ADJ
fsr-3462	875	10	research	research	NOUN
fsr-3462	875	11	report	report	NOUN
fsr-3462	875	12	rr034	rr034	PROPN
fsr-3462	875	13	.	.	PUNCT
fsr-3462	876	1	london	london	PROPN
fsr-3462	876	2	:	:	PUNCT
fsr-3462	876	3	department	department	NOUN
fsr-3462	876	4	for	for	ADP
fsr-3462	876	5	children	child	NOUN
fsr-3462	876	6	,	,	PUNCT
fsr-3462	876	7	schools	school	NOUN
fsr-3462	876	8	and	and	CCONJ
fsr-3462	876	9	families	family	NOUN
fsr-3462	876	10	.	.	PUNCT
fsr-3462	877	1	retrieved	retrieve	VERB
fsr-3462	877	2	from	from	ADP
fsr-3462	877	3	www.dcsf.gov.uk/research/data/uploadfiles/dcsf-rr034.pdf	www.dcsf.gov.uk/research/data/uploadfiles/dcsf-rr034.pdf	PROPN
fsr-3462	877	4	pinto	pinto	NOUN
fsr-3462	877	5	,	,	PUNCT
fsr-3462	877	6	m.	m.	NOUN
fsr-3462	877	7	,	,	PUNCT
fsr-3462	877	8	parente	parente	X
fsr-3462	877	9	,	,	PUNCT
fsr-3462	877	10	d.	d.	PROPN
fsr-3462	877	11	,	,	PUNCT
fsr-3462	877	12	&	&	CCONJ
fsr-3462	877	13	palmer	palmer	PROPN
fsr-3462	877	14	,	,	PUNCT
fsr-3462	877	15	t.	t.	PROPN
fsr-3462	877	16	(	(	PUNCT
fsr-3462	877	17	2001	2001	NUM
fsr-3462	877	18	)	)	PUNCT
fsr-3462	877	19	.	.	PUNCT
fsr-3462	878	1	college	college	NOUN
fsr-3462	878	2	student	student	NOUN
fsr-3462	878	3	performance	performance	NOUN
fsr-3462	878	4	and	and	CCONJ
fsr-3462	878	5	credit	credit	NOUN
fsr-3462	878	6	card	card	NOUN
fsr-3462	878	7	usage	usage	NOUN
fsr-3462	878	8	.	.	PUNCT
fsr-3462	879	1	journal	journal	PROPN
fsr-3462	879	2	of	of	ADP
fsr-3462	879	3	college	college	NOUN
fsr-3462	879	4	student	student	NOUN
fsr-3462	879	5	development	development	NOUN
fsr-3462	879	6	,	,	PUNCT
fsr-3462	879	7	42	42	NUM
fsr-3462	879	8	,	,	PUNCT
fsr-3462	879	9	49–58	49–58	PROPN
fsr-3462	879	10	.	.	PUNCT
fsr-3462	880	1	retrieved	retrieve	VERB
fsr-3462	880	2	from	from	ADP
fsr-3462	880	3	http://www.eric.ed.gov/ericwebportal/detail	http://www.eric.ed.gov/ericwebportal/detail	NOUN
fsr-3462	880	4	?	?	PUNCT
fsr-3462	881	1	accno	accno	PROPN
fsr-3462	882	1	=	=	NOUN
fsr-3462	882	2	ej624498	ej624498	PROPN
fsr-3462	882	3	porto	porto	PROPN
fsr-3462	882	4	,	,	PUNCT
fsr-3462	882	5	n.	n.	NOUN
fsr-3462	882	6	,	,	PUNCT
fsr-3462	882	7	&	&	CCONJ
fsr-3462	882	8	xiao	xiao	PROPN
fsr-3462	882	9	,	,	PUNCT
fsr-3462	882	10	j.	j.	PROPN
fsr-3462	882	11	j.	j.	PROPN
fsr-3462	882	12	(	(	PUNCT
fsr-3462	882	13	2016	2016	NUM
fsr-3462	882	14	)	)	PUNCT
fsr-3462	882	15	.	.	PUNCT
fsr-3462	883	1	financial	financial	ADJ
fsr-3462	883	2	literacy	literacy	NOUN
fsr-3462	883	3	overconfidence	overconfidence	NOUN
fsr-3462	883	4	and	and	CCONJ
fsr-3462	883	5	financial	financial	ADJ
fsr-3462	883	6	advice	advice	NOUN
fsr-3462	883	7	seeking	seeking	NOUN
fsr-3462	883	8	.	.	PUNCT
fsr-3462	884	1	journal	journal	PROPN
fsr-3462	884	2	of	of	ADP
fsr-3462	884	3	financial	financial	ADJ
fsr-3462	884	4	service	service	NOUN
fsr-3462	884	5	professionals	professional	NOUN
fsr-3462	884	6	,	,	PUNCT
fsr-3462	884	7	70(4	70(4	NUM
fsr-3462	884	8	)	)	PUNCT
fsr-3462	884	9	.	.	PUNCT
fsr-3462	885	1	prelec	prelec	PROPN
fsr-3462	885	2	,	,	PUNCT
fsr-3462	885	3	d.	d.	PROPN
fsr-3462	885	4	,	,	PUNCT
fsr-3462	885	5	&	&	CCONJ
fsr-3462	885	6	simester	simester	PROPN
fsr-3462	885	7	,	,	PUNCT
fsr-3462	885	8	d.	d.	PROPN
fsr-3462	885	9	(	(	PUNCT
fsr-3462	885	10	2001	2001	NUM
fsr-3462	885	11	)	)	PUNCT
fsr-3462	885	12	.	.	PUNCT
fsr-3462	886	1	always	always	ADV
fsr-3462	886	2	leave	leave	VERB
fsr-3462	886	3	home	home	ADV
fsr-3462	886	4	without	without	ADP
fsr-3462	886	5	it	it	PRON
fsr-3462	886	6	:	:	PUNCT
fsr-3462	886	7	a	a	DET
fsr-3462	886	8	further	further	ADJ
fsr-3462	886	9	investigation	investigation	NOUN
fsr-3462	886	10	of	of	ADP
fsr-3462	886	11	the	the	DET
fsr-3462	886	12	credit	credit	NOUN
fsr-3462	886	13	card	card	NOUN
fsr-3462	886	14	effect	effect	NOUN
fsr-3462	886	15	on	on	ADP
fsr-3462	886	16	willingness	willingness	NOUN
fsr-3462	886	17	to	to	ADP
fsr-3462	886	18	pay.marketing	pay.markete	VERB
fsr-3462	886	19	letters	letter	NOUN
fsr-3462	886	20	,	,	PUNCT
fsr-3462	886	21	12	12	NUM
fsr-3462	886	22	,	,	PUNCT
fsr-3462	886	23	5–12	5–12	PROPN
fsr-3462	886	24	.	.	PUNCT
fsr-3462	887	1	razafimahasolo	razafimahasolo	PROPN
fsr-3462	887	2	,	,	PUNCT
fsr-3462	887	3	m.	m.	NOUN
fsr-3462	887	4	,	,	PUNCT
fsr-3462	887	5	borromeo	borromeo	NOUN
fsr-3462	887	6	,	,	PUNCT
fsr-3462	887	7	r.	r.	PROPN
fsr-3462	887	8	,	,	PUNCT
fsr-3462	887	9	sausa	sausa	PROPN
fsr-3462	887	10	,	,	PUNCT
fsr-3462	887	11	l.	l.	PROPN
fsr-3462	887	12	,	,	PUNCT
fsr-3462	887	13	carpizo	carpizo	PROPN
fsr-3462	887	14	,	,	PUNCT
fsr-3462	887	15	r.	r.	PROPN
fsr-3462	887	16	,	,	PUNCT
fsr-3462	887	17	&	&	CCONJ
fsr-3462	887	18	sabado	sabado	VERB
fsr-3462	887	19	,	,	PUNCT
fsr-3462	887	20	j.	j.	PROPN
fsr-3462	887	21	(	(	PUNCT
fsr-3462	887	22	2016	2016	NUM
fsr-3462	887	23	)	)	PUNCT
fsr-3462	887	24	.	.	PUNCT
fsr-3462	888	1	impact	impact	NOUN
fsr-3462	888	2	of	of	ADP
fsr-3462	888	3	financial	financial	ADJ
fsr-3462	888	4	literacy	literacy	NOUN
fsr-3462	888	5	on	on	ADP
fsr-3462	888	6	level	level	NOUN
fsr-3462	888	7	of	of	ADP
fsr-3462	888	8	stress	stress	NOUN
fsr-3462	888	9	and	and	CCONJ
fsr-3462	888	10	academic	academic	ADJ
fsr-3462	888	11	achievement	achievement	NOUN
fsr-3462	888	12	among	among	ADP
fsr-3462	888	13	college	college	NOUN
fsr-3462	888	14	students	student	NOUN
fsr-3462	888	15	.	.	PUNCT
fsr-3462	889	1	aup	aup	PROPN
fsr-3462	889	2	research	research	PROPN
fsr-3462	889	3	journal	journal	PROPN
fsr-3462	889	4	,	,	PUNCT
fsr-3462	889	5	19(2	19(2	NUM
fsr-3462	889	6	)	)	PUNCT
fsr-3462	889	7	,	,	PUNCT
fsr-3462	889	8	21–35	21–35	NUM
fsr-3462	889	9	.	.	PUNCT
fsr-3462	889	10	remund	remund	NOUN
fsr-3462	889	11	,	,	PUNCT
fsr-3462	889	12	d.	d.	PROPN
fsr-3462	889	13	l.	l.	PROPN
fsr-3462	889	14	(	(	PUNCT
fsr-3462	889	15	2010	2010	NUM
fsr-3462	889	16	)	)	PUNCT
fsr-3462	889	17	.	.	PUNCT
fsr-3462	890	1	financial	financial	ADJ
fsr-3462	890	2	literacy	literacy	NOUN
fsr-3462	890	3	explication	explication	NOUN
fsr-3462	890	4	:	:	PUNCT
fsr-3462	890	5	the	the	DET
fsr-3462	890	6	case	case	NOUN
fsr-3462	890	7	for	for	ADP
fsr-3462	890	8	a	a	DET
fsr-3462	890	9	clearer	clear	ADJ
fsr-3462	890	10	definition	definition	NOUN
fsr-3462	890	11	in	in	ADP
fsr-3462	890	12	an	an	DET
fsr-3462	890	13	increasingly	increasingly	ADV
fsr-3462	890	14	complex	complex	ADJ
fsr-3462	890	15	economy	economy	NOUN
fsr-3462	890	16	.	.	PUNCT
fsr-3462	891	1	the	the	DET
fsr-3462	891	2	journal	journal	NOUN
fsr-3462	891	3	of	of	ADP
fsr-3462	891	4	consumer	consumer	NOUN
fsr-3462	891	5	affairs	affair	NOUN
fsr-3462	891	6	,	,	PUNCT
fsr-3462	891	7	44	44	NUM
fsr-3462	891	8	,	,	PUNCT
fsr-3462	891	9	276–295	276–295	NUM
fsr-3462	891	10	.	.	PUNCT
fsr-3462	891	11	robb	robb	NOUN
fsr-3462	891	12	,	,	PUNCT
fsr-3462	891	13	c.	c.	PROPN
fsr-3462	891	14	a.	a.	PROPN
fsr-3462	891	15	(	(	PUNCT
fsr-3462	891	16	2011	2011	NUM
fsr-3462	891	17	)	)	PUNCT
fsr-3462	891	18	.	.	PUNCT
fsr-3462	892	1	financial	financial	ADJ
fsr-3462	892	2	knowledge	knowledge	NOUN
fsr-3462	892	3	and	and	CCONJ
fsr-3462	892	4	credit	credit	NOUN
fsr-3462	892	5	card	card	NOUN
fsr-3462	892	6	behavior	behavior	NOUN
fsr-3462	892	7	of	of	ADP
fsr-3462	892	8	college	college	NOUN
fsr-3462	892	9	students	student	NOUN
fsr-3462	892	10	.	.	PUNCT
fsr-3462	893	1	journal	journal	PROPN
fsr-3462	893	2	of	of	ADP
fsr-3462	893	3	family	family	NOUN
fsr-3462	893	4	and	and	CCONJ
fsr-3462	893	5	economic	economic	ADJ
fsr-3462	893	6	issues	issue	NOUN
fsr-3462	893	7	,	,	PUNCT
fsr-3462	893	8	32	32	NUM
fsr-3462	893	9	,	,	PUNCT
fsr-3462	893	10	690–698	690–698	NUM
fsr-3462	893	11	.	.	PUNCT
fsr-3462	894	1	robb	robb	NOUN
fsr-3462	894	2	,	,	PUNCT
fsr-3462	894	3	c.	c.	PROPN
fsr-3462	894	4	a.	a.	PROPN
fsr-3462	894	5	,	,	PUNCT
fsr-3462	894	6	&	&	CCONJ
fsr-3462	894	7	sharpe	sharpe	PROPN
fsr-3462	894	8	,	,	PUNCT
fsr-3462	894	9	d.	d.	PROPN
fsr-3462	894	10	l.	l.	PROPN
fsr-3462	894	11	(	(	PUNCT
fsr-3462	894	12	2009	2009	NUM
fsr-3462	894	13	)	)	PUNCT
fsr-3462	894	14	.	.	PUNCT
fsr-3462	895	1	effect	effect	NOUN
fsr-3462	895	2	of	of	ADP
fsr-3462	895	3	personal	personal	ADJ
fsr-3462	895	4	financial	financial	ADJ
fsr-3462	895	5	knowledge	knowledge	NOUN
fsr-3462	895	6	on	on	ADP
fsr-3462	895	7	college	college	NOUN
fsr-3462	895	8	students	student	NOUN
fsr-3462	895	9	’	’	PART
fsr-3462	895	10	credit	credit	NOUN
fsr-3462	895	11	card	card	NOUN
fsr-3462	895	12	behavior	behavior	NOUN
fsr-3462	895	13	.	.	PUNCT
fsr-3462	896	1	journal	journal	PROPN
fsr-3462	896	2	of	of	ADP
fsr-3462	896	3	financial	financial	ADJ
fsr-3462	896	4	counseling	counseling	NOUN
fsr-3462	896	5	and	and	CCONJ
fsr-3462	896	6	planning	planning	NOUN
fsr-3462	896	7	,	,	PUNCT
fsr-3462	896	8	20(1	20(1	NUM
fsr-3462	896	9	)	)	PUNCT
fsr-3462	896	10	.	.	PUNCT
fsr-3462	897	1	schagen	schagen	PROPN
fsr-3462	897	2	,	,	PUNCT
fsr-3462	897	3	s.	s.	PROPN
fsr-3462	897	4	,	,	PUNCT
fsr-3462	897	5	&	&	CCONJ
fsr-3462	897	6	lines	line	NOUN
fsr-3462	897	7	,	,	PUNCT
fsr-3462	897	8	a.	a.	NOUN
fsr-3462	897	9	(	(	PUNCT
fsr-3462	897	10	1996	1996	NUM
fsr-3462	897	11	)	)	PUNCT
fsr-3462	897	12	.	.	PUNCT
fsr-3462	898	1	financial	financial	ADJ
fsr-3462	898	2	literacy	literacy	NOUN
fsr-3462	898	3	in	in	ADP
fsr-3462	898	4	adult	adult	NOUN
fsr-3462	898	5	life	life	NOUN
fsr-3462	898	6	.	.	PUNCT
fsr-3462	899	1	london	london	PROPN
fsr-3462	899	2	:	:	PUNCT
fsr-3462	899	3	national	national	PROPN
fsr-3462	899	4	foundation	foundation	NOUN
fsr-3462	899	5	for	for	ADP
fsr-3462	899	6	educational	educational	ADJ
fsr-3462	899	7	research	research	NOUN
fsr-3462	899	8	in	in	ADP
fsr-3462	899	9	england	england	PROPN
fsr-3462	899	10	and	and	CCONJ
fsr-3462	899	11	wales	wales	PROPN
fsr-3462	899	12	.	.	PUNCT
fsr-3462	900	1	natwest	natwest	PROPN
fsr-3462	900	2	group	group	PROPN
fsr-3462	900	3	charitable	charitable	PROPN
fsr-3462	900	4	trust	trust	PROPN
fsr-3462	900	5	.	.	PUNCT
fsr-3462	901	1	shim	shim	NOUN
fsr-3462	901	2	,	,	PUNCT
fsr-3462	901	3	s.	s.	PROPN
fsr-3462	901	4	,	,	PUNCT
fsr-3462	901	5	xiao	xiao	PROPN
fsr-3462	901	6	,	,	PUNCT
fsr-3462	901	7	j.	j.	PROPN
fsr-3462	901	8	j.	j.	PROPN
fsr-3462	901	9	,	,	PUNCT
fsr-3462	901	10	barber	barber	PROPN
fsr-3462	901	11	,	,	PUNCT
fsr-3462	901	12	b.	b.	PROPN
fsr-3462	901	13	l.	l.	PROPN
fsr-3462	901	14	,	,	PUNCT
fsr-3462	901	15	&	&	CCONJ
fsr-3462	901	16	lyons	lyons	PROPN
fsr-3462	901	17	,	,	PUNCT
fsr-3462	901	18	a.	a.	NOUN
fsr-3462	901	19	c.	c.	PROPN
fsr-3462	901	20	(	(	PUNCT
fsr-3462	901	21	2009	2009	NUM
fsr-3462	901	22	)	)	PUNCT
fsr-3462	901	23	.	.	PUNCT
fsr-3462	902	1	pathways	pathway	NOUN
fsr-3462	902	2	to	to	ADP
fsr-3462	902	3	life	life	NOUN
fsr-3462	902	4	success	success	NOUN
fsr-3462	902	5	:	:	PUNCT
fsr-3462	902	6	a	a	DET
fsr-3462	902	7	conceptual	conceptual	ADJ
fsr-3462	902	8	model	model	NOUN
fsr-3462	902	9	of	of	ADP
fsr-3462	902	10	financial	financial	ADJ
fsr-3462	902	11	well	well	NOUN
fsr-3462	902	12	-	-	PUNCT
fsr-3462	902	13	being	being	NOUN
fsr-3462	902	14	for	for	ADP
fsr-3462	902	15	young	young	ADJ
fsr-3462	902	16	adults	adult	NOUN
fsr-3462	902	17	.	.	PUNCT
fsr-3462	903	1	journal	journal	NOUN
fsr-3462	903	2	of	of	ADP
fsr-3462	903	3	applied	apply	VERB
fsr-3462	903	4	developmental	developmental	ADJ
fsr-3462	903	5	psychology	psychology	NOUN
fsr-3462	903	6	,	,	PUNCT
fsr-3462	903	7	30	30	NUM
fsr-3462	903	8	,	,	PUNCT
fsr-3462	903	9	708–723	708–723	NUM
fsr-3462	903	10	.	.	PUNCT
fsr-3462	904	1	shim	shim	NOUN
fsr-3462	904	2	,	,	PUNCT
fsr-3462	904	3	s.	s.	PROPN
fsr-3462	904	4	,	,	PUNCT
fsr-3462	904	5	barber	barber	PROPN
fsr-3462	904	6	,	,	PUNCT
fsr-3462	904	7	b.	b.	PROPN
fsr-3462	904	8	l.	l.	PROPN
fsr-3462	904	9	,	,	PUNCT
fsr-3462	904	10	card	card	NOUN
fsr-3462	904	11	,	,	PUNCT
fsr-3462	904	12	n.	n.	PROPN
fsr-3462	904	13	a.	a.	PROPN
fsr-3462	904	14	,	,	PUNCT
fsr-3462	904	15	xiao	xiao	PROPN
fsr-3462	904	16	,	,	PUNCT
fsr-3462	904	17	j.	j.	PROPN
fsr-3462	904	18	j.	j.	PROPN
fsr-3462	904	19	,	,	PUNCT
fsr-3462	904	20	&	&	CCONJ
fsr-3462	904	21	serido	serido	PRON
fsr-3462	904	22	,	,	PUNCT
fsr-3462	904	23	j.	j.	PROPN
fsr-3462	904	24	(	(	PUNCT
fsr-3462	904	25	2010	2010	NUM
fsr-3462	904	26	)	)	PUNCT
fsr-3462	904	27	.	.	PUNCT
fsr-3462	905	1	financial	financial	ADJ
fsr-3462	905	2	socialization	socialization	NOUN
fsr-3462	905	3	of	of	ADP
fsr-3462	905	4	first	first	ADJ
fsr-3462	905	5	-	-	PUNCT
fsr-3462	905	6	year	year	NOUN
fsr-3462	905	7	college	college	NOUN
fsr-3462	905	8	students	student	NOUN
fsr-3462	905	9	:	:	PUNCT
fsr-3462	905	10	the	the	DET
fsr-3462	905	11	roles	role	NOUN
fsr-3462	905	12	of	of	ADP
fsr-3462	905	13	parents	parent	NOUN
fsr-3462	905	14	,	,	PUNCT
fsr-3462	905	15	work	work	NOUN
fsr-3462	905	16	,	,	PUNCT
fsr-3462	905	17	and	and	CCONJ
fsr-3462	905	18	education	education	NOUN
fsr-3462	905	19	.	.	PUNCT
fsr-3462	906	1	journal	journal	NOUN
fsr-3462	906	2	of	of	ADP
fsr-3462	906	3	youth	youth	NOUN
fsr-3462	906	4	and	and	CCONJ
fsr-3462	906	5	jadolescence	jadolescence	NOUN
fsr-3462	906	6	,	,	PUNCT
fsr-3462	906	7	39	39	NUM
fsr-3462	906	8	,	,	PUNCT
fsr-3462	906	9	1457–1470	1457–1470	NUM
fsr-3462	906	10	.	.	PUNCT
fsr-3462	907	1	stango	stango	PROPN
fsr-3462	907	2	,	,	PUNCT
fsr-3462	907	3	v.	v.	PROPN
fsr-3462	907	4	,	,	PUNCT
fsr-3462	907	5	&	&	CCONJ
fsr-3462	907	6	zinman	zinman	PROPN
fsr-3462	907	7	,	,	PUNCT
fsr-3462	907	8	j.	j.	PROPN
fsr-3462	907	9	(	(	PUNCT
fsr-3462	907	10	2009	2009	NUM
fsr-3462	907	11	)	)	PUNCT
fsr-3462	907	12	.	.	PUNCT
fsr-3462	908	1	what	what	PRON
fsr-3462	908	2	do	do	AUX
fsr-3462	908	3	consumers	consumer	NOUN
fsr-3462	908	4	really	really	ADV
fsr-3462	908	5	pay	pay	VERB
fsr-3462	908	6	on	on	ADP
fsr-3462	908	7	their	their	PRON
fsr-3462	908	8	checking	checking	NOUN
fsr-3462	908	9	and	and	CCONJ
fsr-3462	908	10	credit	credit	NOUN
fsr-3462	908	11	card	card	NOUN
fsr-3462	908	12	accounts	account	NOUN
fsr-3462	908	13	?	?	PUNCT
fsr-3462	909	1	explicit	explicit	ADJ
fsr-3462	909	2	,	,	PUNCT
fsr-3462	909	3	implicit	implicit	ADJ
fsr-3462	909	4	,	,	PUNCT
fsr-3462	909	5	and	and	CCONJ
fsr-3462	909	6	avoidable	avoidable	ADJ
fsr-3462	909	7	costs	cost	NOUN
fsr-3462	909	8	.	.	PUNCT
fsr-3462	910	1	american	american	PROPN
fsr-3462	910	2	economic	economic	PROPN
fsr-3462	910	3	review	review	PROPN
fsr-3462	910	4	,	,	PUNCT
fsr-3462	910	5	99	99	NUM
fsr-3462	910	6	,	,	PUNCT
fsr-3462	910	7	424–429	424–429	NUM
fsr-3462	910	8	.	.	PUNCT
fsr-3462	910	9	thaler	thaler	PROPN
fsr-3462	910	10	,	,	PUNCT
fsr-3462	910	11	r.	r.	PROPN
fsr-3462	910	12	(	(	PUNCT
fsr-3462	910	13	1980	1980	NUM
fsr-3462	910	14	)	)	PUNCT
fsr-3462	910	15	.	.	PUNCT
fsr-3462	911	1	toward	toward	ADP
fsr-3462	911	2	a	a	DET
fsr-3462	911	3	positive	positive	ADJ
fsr-3462	911	4	theory	theory	NOUN
fsr-3462	911	5	of	of	ADP
fsr-3462	911	6	consumer	consumer	NOUN
fsr-3462	911	7	choice	choice	NOUN
fsr-3462	911	8	.	.	PUNCT
fsr-3462	912	1	journal	journal	NOUN
fsr-3462	912	2	of	of	ADP
fsr-3462	912	3	economic	economic	ADJ
fsr-3462	912	4	behavior	behavior	NOUN
fsr-3462	912	5	&	&	CCONJ
fsr-3462	912	6	organization	organization	PROPN
fsr-3462	912	7	,	,	PUNCT
fsr-3462	912	8	1	1	NUM
fsr-3462	912	9	,	,	PUNCT
fsr-3462	912	10	39–60	39–60	NUM
fsr-3462	912	11	.	.	PUNCT
fsr-3462	913	1	thaler	thaler	PROPN
fsr-3462	913	2	,	,	PUNCT
fsr-3462	913	3	r.	r.	PROPN
fsr-3462	913	4	(	(	PUNCT
fsr-3462	913	5	2018	2018	NUM
fsr-3462	913	6	)	)	PUNCT
fsr-3462	913	7	.	.	PUNCT
fsr-3462	914	1	from	from	ADP
fsr-3462	914	2	cashews	cashew	NOUN
fsr-3462	914	3	to	to	ADP
fsr-3462	914	4	nudges	nudge	VERB
fsr-3462	914	5	:	:	PUNCT
fsr-3462	914	6	the	the	DET
fsr-3462	914	7	evolution	evolution	NOUN
fsr-3462	914	8	of	of	ADP
fsr-3462	914	9	behavioral	behavioral	ADJ
fsr-3462	914	10	economics	economic	NOUN
fsr-3462	914	11	.	.	PUNCT
fsr-3462	915	1	american	american	PROPN
fsr-3462	915	2	economic	economic	PROPN
fsr-3462	915	3	review	review	PROPN
fsr-3462	915	4	,	,	PUNCT
fsr-3462	915	5	108	108	NUM
fsr-3462	915	6	,	,	PUNCT
fsr-3462	915	7	1265–1287	1265–1287	NUM
fsr-3462	915	8	.	.	PUNCT
fsr-3462	916	1	thaler	thaler	PROPN
fsr-3462	916	2	,	,	PUNCT
fsr-3462	916	3	r.	r.	PROPN
fsr-3462	916	4	,	,	PUNCT
fsr-3462	916	5	&	&	CCONJ
fsr-3462	916	6	shefrin	shefrin	NOUN
fsr-3462	916	7	,	,	PUNCT
fsr-3462	916	8	h.	h.	PROPN
fsr-3462	916	9	m.	m.	PROPN
fsr-3462	916	10	(	(	PUNCT
fsr-3462	916	11	1981	1981	NUM
fsr-3462	916	12	)	)	PUNCT
fsr-3462	916	13	.	.	PUNCT
fsr-3462	917	1	an	an	DET
fsr-3462	917	2	economic	economic	ADJ
fsr-3462	917	3	theory	theory	NOUN
fsr-3462	917	4	of	of	ADP
fsr-3462	917	5	self	self	NOUN
fsr-3462	917	6	-	-	PUNCT
fsr-3462	917	7	control	control	NOUN
fsr-3462	917	8	.	.	PUNCT
fsr-3462	918	1	journal	journal	NOUN
fsr-3462	918	2	of	of	ADP
fsr-3462	918	3	political	political	ADJ
fsr-3462	918	4	economy	economy	NOUN
fsr-3462	918	5	,	,	PUNCT
fsr-3462	918	6	89	89	NUM
fsr-3462	918	7	,	,	PUNCT
fsr-3462	918	8	392–406	392–406	NUM
fsr-3462	918	9	.	.	PUNCT
fsr-3462	919	1	tokar	tokar	NOUN
fsr-3462	919	2	asaad	asaad	NOUN
fsr-3462	919	3	,	,	PUNCT
fsr-3462	919	4	c.	c.	PROPN
fsr-3462	919	5	(	(	PUNCT
fsr-3462	919	6	2015	2015	NUM
fsr-3462	919	7	)	)	PUNCT
fsr-3462	919	8	.	.	PUNCT
fsr-3462	920	1	financial	financial	ADJ
fsr-3462	920	2	literacy	literacy	NOUN
fsr-3462	920	3	and	and	CCONJ
fsr-3462	920	4	financial	financial	ADJ
fsr-3462	920	5	behavior	behavior	NOUN
fsr-3462	920	6	:	:	PUNCT
fsr-3462	920	7	assessing	assess	VERB
fsr-3462	920	8	knowledge	knowledge	NOUN
fsr-3462	920	9	and	and	CCONJ
fsr-3462	920	10	confidence	confidence	NOUN
fsr-3462	920	11	.	.	PUNCT
fsr-3462	921	1	financial	financial	ADJ
fsr-3462	921	2	services	service	NOUN
fsr-3462	921	3	review	review	PROPN
fsr-3462	921	4	,	,	PUNCT
fsr-3462	921	5	24(2	24(2	NUM
fsr-3462	921	6	)	)	PUNCT
fsr-3462	921	7	.	.	PUNCT
fsr-3462	922	1	van	van	PROPN
fsr-3462	922	2	rooij	rooij	PROPN
fsr-3462	922	3	,	,	PUNCT
fsr-3462	922	4	m.	m.	PROPN
fsr-3462	922	5	c.	c.	PROPN
fsr-3462	922	6	,	,	PUNCT
fsr-3462	922	7	lusardi	lusardi	PROPN
fsr-3462	922	8	,	,	PUNCT
fsr-3462	922	9	a.	a.	NOUN
fsr-3462	922	10	,	,	PUNCT
fsr-3462	922	11	&	&	CCONJ
fsr-3462	922	12	alessie	alessie	PROPN
fsr-3462	922	13	,	,	PUNCT
fsr-3462	922	14	r.	r.	PROPN
fsr-3462	922	15	j.	j.	PROPN
fsr-3462	922	16	(	(	PUNCT
fsr-3462	922	17	2012	2012	NUM
fsr-3462	922	18	)	)	PUNCT
fsr-3462	922	19	.	.	PUNCT
fsr-3462	923	1	financial	financial	ADJ
fsr-3462	923	2	literacy	literacy	NOUN
fsr-3462	923	3	,	,	PUNCT
fsr-3462	923	4	retirement	retirement	NOUN
fsr-3462	923	5	planning	planning	NOUN
fsr-3462	923	6	and	and	CCONJ
fsr-3462	923	7	household	household	NOUN
fsr-3462	923	8	wealth	wealth	NOUN
fsr-3462	923	9	.	.	PUNCT
fsr-3462	924	1	the	the	DET
fsr-3462	924	2	economic	economic	ADJ
fsr-3462	924	3	journal	journal	NOUN
fsr-3462	924	4	,	,	PUNCT
fsr-3462	924	5	122(560	122(560	NUM
fsr-3462	924	6	)	)	PUNCT
fsr-3462	924	7	,	,	PUNCT
fsr-3462	924	8	449–478	449–478	NUM
fsr-3462	924	9	.	.	PUNCT
fsr-3462	925	1	van	van	PROPN
fsr-3462	925	2	rooij	rooij	NOUN
fsr-3462	925	3	,	,	PUNCT
fsr-3462	925	4	m.	m.	NOUN
fsr-3462	925	5	,	,	PUNCT
fsr-3462	925	6	lusardi	lusardi	PROPN
fsr-3462	925	7	,	,	PUNCT
fsr-3462	925	8	a.	a.	NOUN
fsr-3462	925	9	,	,	PUNCT
fsr-3462	925	10	&	&	CCONJ
fsr-3462	925	11	alessie	alessie	PROPN
fsr-3462	925	12	,	,	PUNCT
fsr-3462	925	13	r.	r.	PROPN
fsr-3462	925	14	(	(	PUNCT
fsr-3462	925	15	2011	2011	NUM
fsr-3462	925	16	)	)	PUNCT
fsr-3462	925	17	.	.	PUNCT
fsr-3462	926	1	financial	financial	ADJ
fsr-3462	926	2	literacy	literacy	NOUN
fsr-3462	926	3	and	and	CCONJ
fsr-3462	926	4	stock	stock	NOUN
fsr-3462	926	5	market	market	NOUN
fsr-3462	926	6	participation	participation	NOUN
fsr-3462	926	7	.	.	PUNCT
fsr-3462	927	1	journal	journal	NOUN
fsr-3462	927	2	of	of	ADP
fsr-3462	927	3	financial	financial	ADJ
fsr-3462	927	4	economics	economic	NOUN
fsr-3462	927	5	,	,	PUNCT
fsr-3462	927	6	101	101	NUM
fsr-3462	927	7	,	,	PUNCT
fsr-3462	927	8	449–472	449–472	NUM
fsr-3462	927	9	.	.	PUNCT
fsr-3462	928	1	wagland	wagland	PROPN
fsr-3462	928	2	,	,	PUNCT
fsr-3462	928	3	s.	s.	PROPN
fsr-3462	928	4	p.	p.	PROPN
fsr-3462	928	5	,	,	PUNCT
fsr-3462	928	6	&	&	CCONJ
fsr-3462	928	7	taylor	taylor	PROPN
fsr-3462	928	8	,	,	PUNCT
fsr-3462	928	9	s.	s.	PROPN
fsr-3462	928	10	t.	t.	PROPN
fsr-3462	928	11	(	(	PUNCT
fsr-3462	928	12	2009	2009	NUM
fsr-3462	928	13	)	)	PUNCT
fsr-3462	928	14	.	.	PUNCT
fsr-3462	929	1	when	when	SCONJ
fsr-3462	929	2	it	it	PRON
fsr-3462	929	3	comes	come	VERB
fsr-3462	929	4	to	to	ADP
fsr-3462	929	5	financial	financial	ADJ
fsr-3462	929	6	literacy	literacy	NOUN
fsr-3462	929	7	,	,	PUNCT
fsr-3462	929	8	is	be	AUX
fsr-3462	929	9	gender	gender	NOUN
fsr-3462	929	10	really	really	ADV
fsr-3462	929	11	an	an	DET
fsr-3462	929	12	issue	issue	NOUN
fsr-3462	929	13	?	?	PUNCT
fsr-3462	930	1	the	the	DET
fsr-3462	930	2	australasian	australasian	ADJ
fsr-3462	930	3	accounting	accounting	NOUN
fsr-3462	930	4	business	business	NOUN
fsr-3462	930	5	and	and	CCONJ
fsr-3462	930	6	finance	finance	NOUN
fsr-3462	930	7	journal	journal	NOUN
fsr-3462	930	8	,	,	PUNCT
fsr-3462	930	9	3	3	NUM
fsr-3462	930	10	,	,	PUNCT
fsr-3462	930	11	13–23	13–23	NUM
fsr-3462	930	12	.	.	PUNCT
fsr-3462	930	13	xia	xia	PROPN
fsr-3462	930	14	,	,	PUNCT
fsr-3462	930	15	t.	t.	PROPN
fsr-3462	930	16	,	,	PUNCT
fsr-3462	930	17	wang	wang	PROPN
fsr-3462	930	18	,	,	PUNCT
fsr-3462	930	19	z.	z.	PROPN
fsr-3462	930	20	,	,	PUNCT
fsr-3462	930	21	&	&	CCONJ
fsr-3462	930	22	li	li	PROPN
fsr-3462	930	23	,	,	PUNCT
fsr-3462	930	24	k.	k.	PROPN
fsr-3462	930	25	(	(	PUNCT
fsr-3462	930	26	2014	2014	NUM
fsr-3462	930	27	)	)	PUNCT
fsr-3462	930	28	.	.	PUNCT
fsr-3462	931	1	financial	financial	ADJ
fsr-3462	931	2	literacy	literacy	NOUN
fsr-3462	931	3	overconfidence	overconfidence	NOUN
fsr-3462	931	4	and	and	CCONJ
fsr-3462	931	5	stock	stock	NOUN
fsr-3462	931	6	market	market	NOUN
fsr-3462	931	7	participation	participation	NOUN
fsr-3462	931	8	.	.	PUNCT
fsr-3462	932	1	social	social	ADJ
fsr-3462	932	2	indicators	indicator	NOUN
fsr-3462	932	3	research	research	VERB
fsr-3462	932	4	,	,	PUNCT
fsr-3462	932	5	119(3	119(3	NUM
fsr-3462	932	6	)	)	PUNCT
fsr-3462	932	7	,	,	PUNCT
fsr-3462	932	8	1233–1245	1233–1245	NUM
fsr-3462	932	9	.	.	PUNCT
fsr-3462	933	1	xiao	xiao	PROPN
fsr-3462	933	2	,	,	PUNCT
fsr-3462	933	3	j.	j.	PROPN
fsr-3462	933	4	j.	j.	PROPN
fsr-3462	933	5	,	,	PUNCT
fsr-3462	933	6	tang	tang	PROPN
fsr-3462	933	7	,	,	PUNCT
fsr-3462	933	8	c.	c.	PROPN
fsr-3462	933	9	,	,	PUNCT
fsr-3462	933	10	serido	serido	PRON
fsr-3462	933	11	,	,	PUNCT
fsr-3462	933	12	j.	j.	PROPN
fsr-3462	933	13	,	,	PUNCT
fsr-3462	933	14	&	&	CCONJ
fsr-3462	933	15	shim	shim	NOUN
fsr-3462	933	16	,	,	PUNCT
fsr-3462	933	17	s.	s.	PROPN
fsr-3462	933	18	(	(	PUNCT
fsr-3462	933	19	2011	2011	NUM
fsr-3462	933	20	)	)	PUNCT
fsr-3462	933	21	.	.	PUNCT
fsr-3462	934	1	antecedents	antecedent	NOUN
fsr-3462	934	2	and	and	CCONJ
fsr-3462	934	3	consequences	consequence	NOUN
fsr-3462	934	4	of	of	ADP
fsr-3462	934	5	risky	risky	ADJ
fsr-3462	934	6	credit	credit	NOUN
fsr-3462	934	7	behavior	behavior	NOUN
fsr-3462	934	8	among	among	ADP
fsr-3462	934	9	college	college	NOUN
fsr-3462	934	10	students	student	NOUN
fsr-3462	934	11	:	:	PUNCT
fsr-3462	934	12	application	application	NOUN
fsr-3462	934	13	and	and	CCONJ
fsr-3462	934	14	extension	extension	NOUN
fsr-3462	934	15	of	of	ADP
fsr-3462	934	16	the	the	DET
fsr-3462	934	17	theory	theory	NOUN
fsr-3462	934	18	of	of	ADP
fsr-3462	934	19	planned	plan	VERB
fsr-3462	934	20	behavior	behavior	NOUN
fsr-3462	934	21	.	.	PUNCT
fsr-3462	935	1	journal	journal	PROPN
fsr-3462	935	2	of	of	ADP
fsr-3462	935	3	public	public	ADJ
fsr-3462	935	4	policy	policy	NOUN
fsr-3462	935	5	&	&	CCONJ
fsr-3462	935	6	marketing	marketing	NOUN
fsr-3462	935	7	,	,	PUNCT
fsr-3462	935	8	30	30	NUM
fsr-3462	935	9	,	,	PUNCT
fsr-3462	935	10	239–245	239–245	NUM
fsr-3462	935	11	.	.	PUNCT
fsr-3462	936	1	zhang	zhang	PROPN
fsr-3462	936	2	,	,	PUNCT
fsr-3462	936	3	c.	c.	PROPN
fsr-3462	936	4	y.	y.	PROPN
fsr-3462	936	5	,	,	PUNCT
fsr-3462	936	6	&	&	CCONJ
fsr-3462	936	7	sussman	sussman	PROPN
fsr-3462	936	8	,	,	PUNCT
fsr-3462	936	9	a.	a.	PROPN
fsr-3462	936	10	b.	b.	PROPN
fsr-3462	936	11	(	(	PUNCT
fsr-3462	936	12	2018	2018	NUM
fsr-3462	936	13	)	)	PUNCT
fsr-3462	936	14	.	.	PUNCT
fsr-3462	937	1	perspectives	perspective	NOUN
fsr-3462	937	2	on	on	ADP
fsr-3462	937	3	mental	mental	ADJ
fsr-3462	937	4	accounting	accounting	NOUN
fsr-3462	937	5	:	:	PUNCT
fsr-3462	937	6	an	an	DET
fsr-3462	937	7	exploration	exploration	NOUN
fsr-3462	937	8	of	of	ADP
fsr-3462	937	9	budgeting	budgeting	NOUN
fsr-3462	937	10	and	and	CCONJ
fsr-3462	937	11	investing	investing	NOUN
fsr-3462	937	12	.	.	PUNCT
fsr-3462	938	1	financial	financial	ADJ
fsr-3462	938	2	planning	planning	PROPN
fsr-3462	938	3	review	review	NOUN
fsr-3462	938	4	,	,	PUNCT
fsr-3462	938	5	1	1	NUM
fsr-3462	938	6	,	,	PUNCT
fsr-3462	938	7	e1011	e1011	PROPN
fsr-3462	938	8	.	.	NOUN
fsr-3462	938	9	276	276	NUM
fsr-3462	938	10	g.	g.	PROPN
fsr-3462	938	11	barboza	barboza	PROPN
fsr-3462	938	12	et	et	PROPN
fsr-3462	938	13	al	al	PROPN
fsr-3462	938	14	.	.	PUNCT
fsr-3462	938	15	/	/	SYM
fsr-3462	938	16	financial	financial	ADJ
fsr-3462	938	17	services	service	NOUN
fsr-3462	938	18	review	review	VERB
fsr-3462	938	19	29	29	NUM
fsr-3462	938	20	(	(	PUNCT
fsr-3462	938	21	2021	2021	NUM
fsr-3462	938	22	)	)	PUNCT
fsr-3462	939	1	247–276	247–276	NUM