id	sid	tid	token	lemma	pos
fsr-3463	1	1	framing	frame	VERB
fsr-3463	1	2	the	the	DET
fsr-3463	1	3	annuity	annuity	NOUN
fsr-3463	1	4	as	as	ADP
fsr-3463	1	5	bequest	bequest	NOUN
fsr-3463	1	6	protection	protection	NOUN
fsr-3463	1	7	:	:	PUNCT
fsr-3463	1	8	an	an	DET
fsr-3463	1	9	experimental	experimental	ADJ
fsr-3463	1	10	test	test	NOUN
fsr-3463	1	11	ying	ying	PROPN
fsr-3463	1	12	yana	yana	PROPN
fsr-3463	1	13	,	,	PUNCT
fsr-3463	1	14	russell	russell	PROPN
fsr-3463	1	15	n.	n.	PROPN
fsr-3463	1	16	james	james	PROPN
fsr-3463	1	17	iiib	iiib	PROPN
fsr-3463	1	18	,	,	PUNCT
fsr-3463	1	19	*	*	PUNCT
fsr-3463	1	20	adepartment	adepartment	NOUN
fsr-3463	1	21	of	of	ADP
fsr-3463	1	22	personal	personal	ADJ
fsr-3463	1	23	financial	financial	ADJ
fsr-3463	1	24	planning	planning	NOUN
fsr-3463	1	25	,	,	PUNCT
fsr-3463	1	26	eastern	eastern	ADJ
fsr-3463	1	27	new	new	PROPN
fsr-3463	1	28	mexico	mexico	PROPN
fsr-3463	1	29	state	state	PROPN
fsr-3463	1	30	university	university	PROPN
fsr-3463	1	31	,	,	PUNCT
fsr-3463	1	32	1500	1500	NUM
fsr-3463	1	33	s	s	PART
fsr-3463	1	34	avenue	avenue	PROPN
fsr-3463	1	35	k	k	PROPN
fsr-3463	1	36	,	,	PUNCT
fsr-3463	1	37	portales	portales	PROPN
fsr-3463	1	38	,	,	PUNCT
fsr-3463	1	39	nm	nm	NOUN
fsr-3463	1	40	88130	88130	NUM
fsr-3463	1	41	,	,	PUNCT
fsr-3463	1	42	usa	usa	PROPN
fsr-3463	1	43	bdepartment	bdepartment	NOUN
fsr-3463	1	44	of	of	ADP
fsr-3463	1	45	personal	personal	ADJ
fsr-3463	1	46	financial	financial	ADJ
fsr-3463	1	47	planning	planning	NOUN
fsr-3463	1	48	,	,	PUNCT
fsr-3463	1	49	texas	texas	PROPN
fsr-3463	1	50	tech	tech	PROPN
fsr-3463	1	51	university	university	PROPN
fsr-3463	1	52	,	,	PUNCT
fsr-3463	1	53	box	box	PROPN
fsr-3463	1	54	41210	41210	NUM
fsr-3463	1	55	,	,	PUNCT
fsr-3463	1	56	lubbock	lubbock	PROPN
fsr-3463	1	57	,	,	PUNCT
fsr-3463	1	58	tx	tx	PROPN
fsr-3463	1	59	79409	79409	NUM
fsr-3463	1	60	-	-	SYM
fsr-3463	1	61	1210	1210	NUM
fsr-3463	1	62	,	,	PUNCT
fsr-3463	1	63	usa	usa	PROPN
fsr-3463	1	64	abstract	abstract	ADJ
fsr-3463	1	65	bequest	bequest	NOUN
fsr-3463	1	66	motives	motive	NOUN
fsr-3463	1	67	are	be	AUX
fsr-3463	1	68	commonly	commonly	ADV
fsr-3463	1	69	cited	cite	VERB
fsr-3463	1	70	as	as	ADP
fsr-3463	1	71	a	a	DET
fsr-3463	1	72	barrier	barrier	NOUN
fsr-3463	1	73	for	for	ADP
fsr-3463	1	74	annuitization	annuitization	NOUN
fsr-3463	1	75	.	.	PUNCT
fsr-3463	2	1	this	this	DET
fsr-3463	2	2	paper	paper	NOUN
fsr-3463	2	3	tests	test	VERB
fsr-3463	2	4	how	how	SCONJ
fsr-3463	2	5	framing	frame	VERB
fsr-3463	2	6	partial	partial	ADJ
fsr-3463	2	7	annuitization	annuitization	NOUN
fsr-3463	2	8	as	as	ADP
fsr-3463	2	9	a	a	DET
fsr-3463	2	10	protection	protection	NOUN
fsr-3463	2	11	for	for	ADP
fsr-3463	2	12	an	an	DET
fsr-3463	2	13	intended	intended	ADJ
fsr-3463	2	14	bequest	bequest	NOUN
fsr-3463	2	15	against	against	ADP
fsr-3463	2	16	the	the	DET
fsr-3463	2	17	risk	risk	NOUN
fsr-3463	2	18	of	of	ADP
fsr-3463	2	19	asset	asset	NOUN
fsr-3463	2	20	exhaustion	exhaustion	NOUN
fsr-3463	2	21	due	due	ADP
fsr-3463	2	22	to	to	ADP
fsr-3463	2	23	unexpected	unexpected	ADJ
fsr-3463	2	24	longevity	longevity	NOUN
fsr-3463	2	25	influences	influence	VERB
fsr-3463	2	26	the	the	DET
fsr-3463	2	27	desire	desire	NOUN
fsr-3463	2	28	to	to	PART
fsr-3463	2	29	purchase	purchase	VERB
fsr-3463	2	30	an	an	DET
fsr-3463	2	31	annuity	annuity	NOUN
fsr-3463	2	32	among	among	ADP
fsr-3463	2	33	a	a	DET
fsr-3463	2	34	sample	sample	NOUN
fsr-3463	2	35	of	of	ADP
fsr-3463	2	36	2,160	2,160	NUM
fsr-3463	2	37	participants	participant	NOUN
fsr-3463	2	38	.	.	PUNCT
fsr-3463	3	1	the	the	DET
fsr-3463	3	2	results	result	NOUN
fsr-3463	3	3	indicate	indicate	VERB
fsr-3463	3	4	that	that	SCONJ
fsr-3463	3	5	this	this	DET
fsr-3463	3	6	framing	frame	VERB
fsr-3463	3	7	argument	argument	NOUN
fsr-3463	3	8	does	do	AUX
fsr-3463	3	9	increase	increase	VERB
fsr-3463	3	10	interest	interest	NOUN
fsr-3463	3	11	in	in	ADP
fsr-3463	3	12	purchasing	purchase	VERB
fsr-3463	3	13	an	an	DET
fsr-3463	3	14	annuity	annuity	NOUN
fsr-3463	3	15	.	.	PUNCT
fsr-3463	4	1	regression	regression	NOUN
fsr-3463	4	2	results	result	NOUN
fsr-3463	4	3	demonstrate	demonstrate	VERB
fsr-3463	4	4	that	that	SCONJ
fsr-3463	4	5	this	this	DET
fsr-3463	4	6	framing	framing	NOUN
fsr-3463	4	7	has	have	VERB
fsr-3463	4	8	a	a	DET
fsr-3463	4	9	larger	large	ADJ
fsr-3463	4	10	positive	positive	ADJ
fsr-3463	4	11	effect	effect	NOUN
fsr-3463	4	12	for	for	ADP
fsr-3463	4	13	individuals	individual	NOUN
fsr-3463	4	14	with	with	ADP
fsr-3463	4	15	a	a	DET
fsr-3463	4	16	greater	great	ADJ
fsr-3463	4	17	bequest	bequest	NOUN
fsr-3463	4	18	motive	motive	NOUN
fsr-3463	4	19	.	.	PUNCT
fsr-3463	5	1	the	the	DET
fsr-3463	5	2	relationship	relationship	NOUN
fsr-3463	5	3	between	between	ADP
fsr-3463	5	4	annuitization	annuitization	NOUN
fsr-3463	5	5	framing	framing	NOUN
fsr-3463	5	6	and	and	CCONJ
fsr-3463	5	7	bequest	bequest	NOUN
fsr-3463	5	8	motive	motive	NOUN
fsr-3463	5	9	demonstrated	demonstrate	VERB
fsr-3463	5	10	by	by	ADP
fsr-3463	5	11	this	this	DET
fsr-3463	5	12	experiment	experiment	NOUN
fsr-3463	5	13	has	have	VERB
fsr-3463	5	14	important	important	ADJ
fsr-3463	5	15	practical	practical	ADJ
fsr-3463	5	16	and	and	CCONJ
fsr-3463	5	17	theoretical	theoretical	ADJ
fsr-3463	5	18	implications	implication	NOUN
fsr-3463	5	19	.	.	PUNCT
fsr-3463	6	1	©	©	PROPN
fsr-3463	6	2	2021	2021	NUM
fsr-3463	6	3	academy	academy	NOUN
fsr-3463	6	4	of	of	ADP
fsr-3463	6	5	financial	financial	ADJ
fsr-3463	6	6	services	service	NOUN
fsr-3463	6	7	.	.	PUNCT
fsr-3463	7	1	all	all	DET
fsr-3463	7	2	rights	right	NOUN
fsr-3463	7	3	reserved	reserve	VERB
fsr-3463	7	4	.	.	PUNCT
fsr-3463	8	1	jel	jel	PROPN
fsr-3463	8	2	classifications	classification	NOUN
fsr-3463	8	3	:	:	PUNCT
fsr-3463	8	4	d1	d1	NOUN
fsr-3463	8	5	;	;	PUNCT
fsr-3463	8	6	d14	d14	NOUN
fsr-3463	8	7	;	;	PUNCT
fsr-3463	8	8	d15	d15	NOUN
fsr-3463	8	9	keywords	keyword	NOUN
fsr-3463	8	10	:	:	PUNCT
fsr-3463	8	11	annuities	annuity	NOUN
fsr-3463	8	12	;	;	PUNCT
fsr-3463	8	13	estate	estate	NOUN
fsr-3463	8	14	planning	planning	NOUN
fsr-3463	8	15	;	;	PUNCT
fsr-3463	8	16	bequest	bequest	NOUN
fsr-3463	8	17	motive	motive	NOUN
fsr-3463	8	18	;	;	PUNCT
fsr-3463	8	19	framing	frame	VERB
fsr-3463	8	20	effects	effect	NOUN
fsr-3463	8	21	1	1	NUM
fsr-3463	8	22	.	.	PUNCT
fsr-3463	9	1	introduction	introduction	NOUN
fsr-3463	9	2	longevity	longevity	NOUN
fsr-3463	9	3	risk	risk	NOUN
fsr-3463	9	4	is	be	AUX
fsr-3463	9	5	a	a	DET
fsr-3463	9	6	risk	risk	NOUN
fsr-3463	9	7	that	that	SCONJ
fsr-3463	9	8	a	a	DET
fsr-3463	9	9	person	person	NOUN
fsr-3463	9	10	lives	live	VERB
fsr-3463	9	11	longer	long	ADV
fsr-3463	9	12	than	than	SCONJ
fsr-3463	9	13	expected	expect	VERB
fsr-3463	9	14	and	and	CCONJ
fsr-3463	9	15	has	have	VERB
fsr-3463	9	16	insufficient	insufficient	ADJ
fsr-3463	9	17	wealth	wealth	NOUN
fsr-3463	9	18	to	to	PART
fsr-3463	9	19	support	support	VERB
fsr-3463	9	20	his	his	PRON
fsr-3463	9	21	or	or	CCONJ
fsr-3463	9	22	her	her	PRON
fsr-3463	9	23	planned	plan	VERB
fsr-3463	9	24	consumption	consumption	NOUN
fsr-3463	9	25	expenditures	expenditure	NOUN
fsr-3463	9	26	.	.	PUNCT
fsr-3463	10	1	a	a	DET
fsr-3463	10	2	life	life	NOUN
fsr-3463	10	3	annuity	annuity	NOUN
fsr-3463	10	4	is	be	AUX
fsr-3463	10	5	an	an	DET
fsr-3463	10	6	insurance	insurance	NOUN
fsr-3463	10	7	instrument	instrument	NOUN
fsr-3463	10	8	that	that	PRON
fsr-3463	10	9	converts	convert	VERB
fsr-3463	10	10	wealth	wealth	NOUN
fsr-3463	10	11	into	into	ADP
fsr-3463	10	12	a	a	DET
fsr-3463	10	13	lifetime	lifetime	NOUN
fsr-3463	10	14	income	income	NOUN
fsr-3463	10	15	stream	stream	NOUN
fsr-3463	10	16	.	.	PUNCT
fsr-3463	11	1	it	it	PRON
fsr-3463	11	2	can	can	AUX
fsr-3463	11	3	insure	insure	VERB
fsr-3463	11	4	people	people	NOUN
fsr-3463	11	5	against	against	ADP
fsr-3463	11	6	longevity	longevity	NOUN
fsr-3463	11	7	risk	risk	NOUN
fsr-3463	11	8	and	and	CCONJ
fsr-3463	11	9	can	can	AUX
fsr-3463	11	10	serve	serve	VERB
fsr-3463	11	11	as	as	ADP
fsr-3463	11	12	a	a	DET
fsr-3463	11	13	valuable	valuable	ADJ
fsr-3463	11	14	part	part	NOUN
fsr-3463	11	15	of	of	ADP
fsr-3463	11	16	retirees	retiree	NOUN
fsr-3463	11	17	’	’	PART
fsr-3463	11	18	investment	investment	NOUN
fsr-3463	11	19	portfolios	portfolio	NOUN
fsr-3463	11	20	(	(	PUNCT
fsr-3463	11	21	lockwood	lockwood	NOUN
fsr-3463	11	22	,	,	PUNCT
fsr-3463	11	23	2012	2012	NUM
fsr-3463	11	24	)	)	PUNCT
fsr-3463	11	25	.	.	PUNCT
fsr-3463	12	1	however	however	ADV
fsr-3463	12	2	,	,	PUNCT
fsr-3463	12	3	relatively	relatively	ADV
fsr-3463	12	4	few	few	ADJ
fsr-3463	12	5	people	people	NOUN
fsr-3463	12	6	annuitize	annuitize	VERB
fsr-3463	12	7	any	any	PRON
fsr-3463	12	8	of	of	ADP
fsr-3463	12	9	their	their	PRON
fsr-3463	12	10	wealth	wealth	NOUN
fsr-3463	12	11	*	*	PUNCT
fsr-3463	12	12	corresponding	correspond	VERB
fsr-3463	12	13	author	author	NOUN
fsr-3463	12	14	:	:	PUNCT
fsr-3463	12	15	tel	tel	PROPN
fsr-3463	12	16	.	.	PUNCT
fsr-3463	12	17	:	:	PUNCT
fsr-3463	13	1	+1	+1	PROPN
fsr-3463	13	2	-	-	PUNCT
fsr-3463	13	3	806	806	NUM
fsr-3463	13	4	-	-	PUNCT
fsr-3463	13	5	787	787	NUM
fsr-3463	13	6	-	-	PUNCT
fsr-3463	13	7	5931	5931	NUM
fsr-3463	13	8	;	;	PUNCT
fsr-3463	13	9	fax	fax	NOUN
fsr-3463	13	10	:	:	PUNCT
fsr-3463	13	11	806	806	NUM
fsr-3463	13	12	-	-	SYM
fsr-3463	13	13	742	742	NUM
fsr-3463	13	14	-	-	SYM
fsr-3463	13	15	5033	5033	NUM
fsr-3463	13	16	.	.	PUNCT
fsr-3463	14	1	e	e	X
fsr-3463	14	2	-	-	NOUN
fsr-3463	14	3	mail	mail	NOUN
fsr-3463	14	4	address	address	NOUN
fsr-3463	14	5	:	:	PUNCT
fsr-3463	14	6	russell.james@ttu.edu	russell.james@ttu.edu	PROPN
fsr-3463	14	7	1057	1057	NUM
fsr-3463	14	8	-	-	SYM
fsr-3463	14	9	0810/21/$	0810/21/$	NUM
fsr-3463	14	10	–	–	PUNCT
fsr-3463	14	11	see	see	VERB
fsr-3463	14	12	front	front	ADJ
fsr-3463	14	13	matter	matter	NOUN
fsr-3463	14	14	©	©	PROPN
fsr-3463	14	15	2021	2021	NUM
fsr-3463	14	16	academy	academy	NOUN
fsr-3463	14	17	of	of	ADP
fsr-3463	14	18	financial	financial	ADJ
fsr-3463	14	19	services	service	NOUN
fsr-3463	14	20	.	.	PUNCT
fsr-3463	15	1	all	all	DET
fsr-3463	15	2	rights	right	NOUN
fsr-3463	15	3	reserved	reserve	VERB
fsr-3463	15	4	.	.	PUNCT
fsr-3463	16	1	financial	financial	ADJ
fsr-3463	16	2	services	service	NOUN
fsr-3463	16	3	review	review	VERB
fsr-3463	16	4	29	29	NUM
fsr-3463	16	5	(	(	PUNCT
fsr-3463	16	6	2021	2021	NUM
fsr-3463	16	7	)	)	PUNCT
fsr-3463	16	8	277–291	277–291	NUM
fsr-3463	16	9	(	(	PUNCT
fsr-3463	16	10	peijnenburg	peijnenburg	NOUN
fsr-3463	16	11	et	et	NOUN
fsr-3463	16	12	al	al	PROPN
fsr-3463	16	13	.	.	PROPN
fsr-3463	16	14	,	,	PUNCT
fsr-3463	16	15	2016	2016	NUM
fsr-3463	16	16	)	)	PUNCT
fsr-3463	16	17	.	.	PUNCT
fsr-3463	17	1	franco	franco	PROPN
fsr-3463	17	2	modigliani	modigliani	PROPN
fsr-3463	17	3	(	(	PUNCT
fsr-3463	17	4	1986	1986	NUM
fsr-3463	17	5	)	)	PUNCT
fsr-3463	17	6	referenced	reference	VERB
fsr-3463	17	7	this	this	DET
fsr-3463	17	8	“	"	PUNCT
fsr-3463	17	9	annuity	annuity	NOUN
fsr-3463	17	10	puzzle	puzzle	NOUN
fsr-3463	17	11	”	"	PUNCT
fsr-3463	17	12	in	in	ADP
fsr-3463	17	13	his	his	PRON
fsr-3463	17	14	nobel	nobel	PROPN
fsr-3463	17	15	prize	prize	PROPN
fsr-3463	17	16	acceptance	acceptance	NOUN
fsr-3463	17	17	speech	speech	NOUN
fsr-3463	17	18	and	and	CCONJ
fsr-3463	17	19	indicated	indicate	VERB
fsr-3463	17	20	that	that	SCONJ
fsr-3463	17	21	there	there	PRON
fsr-3463	17	22	are	be	VERB
fsr-3463	17	23	substantial	substantial	ADJ
fsr-3463	17	24	reasons	reason	NOUN
fsr-3463	17	25	for	for	SCONJ
fsr-3463	17	26	people	people	NOUN
fsr-3463	17	27	to	to	PART
fsr-3463	17	28	annuitize	annuitize	VERB
fsr-3463	17	29	at	at	ADP
fsr-3463	17	30	least	least	ADJ
fsr-3463	17	31	part	part	NOUN
fsr-3463	17	32	of	of	ADP
fsr-3463	17	33	their	their	PRON
fsr-3463	17	34	wealth	wealth	NOUN
fsr-3463	17	35	.	.	PUNCT
fsr-3463	18	1	bequest	bequest	NOUN
fsr-3463	18	2	motives	motive	NOUN
fsr-3463	18	3	are	be	AUX
fsr-3463	18	4	a	a	DET
fsr-3463	18	5	common	common	ADJ
fsr-3463	18	6	explanation	explanation	NOUN
fsr-3463	18	7	for	for	ADP
fsr-3463	18	8	this	this	DET
fsr-3463	18	9	annuity	annuity	NOUN
fsr-3463	18	10	puzzle	puzzle	NOUN
fsr-3463	18	11	.	.	PUNCT
fsr-3463	19	1	annuity	annuity	NOUN
fsr-3463	19	2	benefits	benefit	NOUN
fsr-3463	19	3	will	will	AUX
fsr-3463	19	4	end	end	VERB
fsr-3463	19	5	at	at	ADP
fsr-3463	19	6	the	the	DET
fsr-3463	19	7	death	death	NOUN
fsr-3463	19	8	of	of	ADP
fsr-3463	19	9	the	the	DET
fsr-3463	19	10	annuitants	annuitant	NOUN
fsr-3463	19	11	;	;	PUNCT
fsr-3463	19	12	therefore	therefore	ADV
fsr-3463	19	13	,	,	PUNCT
fsr-3463	19	14	they	they	PRON
fsr-3463	19	15	are	be	AUX
fsr-3463	19	16	not	not	PART
fsr-3463	19	17	bequeathable	bequeathable	ADJ
fsr-3463	19	18	wealth	wealth	NOUN
fsr-3463	19	19	.	.	PUNCT
fsr-3463	20	1	economists	economist	NOUN
fsr-3463	20	2	and	and	CCONJ
fsr-3463	20	3	researchers	researcher	NOUN
fsr-3463	20	4	indicate	indicate	VERB
fsr-3463	20	5	that	that	SCONJ
fsr-3463	20	6	this	this	DET
fsr-3463	20	7	non	non	ADJ
fsr-3463	20	8	-	-	ADJ
fsr-3463	20	9	bequeathable	bequeathable	ADJ
fsr-3463	20	10	characteristic	characteristic	NOUN
fsr-3463	20	11	may	may	AUX
fsr-3463	20	12	potentially	potentially	ADV
fsr-3463	20	13	reduce	reduce	VERB
fsr-3463	20	14	or	or	CCONJ
fsr-3463	20	15	even	even	ADV
fsr-3463	20	16	eliminate	eliminate	VERB
fsr-3463	20	17	the	the	DET
fsr-3463	20	18	desire	desire	NOUN
fsr-3463	20	19	for	for	ADP
fsr-3463	20	20	annuitization	annuitization	NOUN
fsr-3463	20	21	(	(	PUNCT
fsr-3463	20	22	bernheim	bernheim	NOUN
fsr-3463	20	23	,	,	PUNCT
fsr-3463	20	24	1991	1991	NUM
fsr-3463	20	25	;	;	PUNCT
fsr-3463	20	26	bütler	bütler	NOUN
fsr-3463	20	27	&	&	CCONJ
fsr-3463	20	28	teppa	teppa	PROPN
fsr-3463	20	29	,	,	PUNCT
fsr-3463	20	30	2007	2007	NUM
fsr-3463	20	31	;	;	PUNCT
fsr-3463	20	32	yaari	yaari	PROPN
fsr-3463	20	33	,	,	PUNCT
fsr-3463	20	34	1965	1965	NUM
fsr-3463	20	35	)	)	PUNCT
fsr-3463	20	36	.	.	PUNCT
fsr-3463	21	1	bequest	bequest	NOUN
fsr-3463	21	2	motives	motive	NOUN
fsr-3463	21	3	,	,	PUNCT
fsr-3463	21	4	or	or	CCONJ
fsr-3463	21	5	proxies	proxy	NOUN
fsr-3463	21	6	for	for	ADP
fsr-3463	21	7	such	such	ADJ
fsr-3463	21	8	,	,	PUNCT
fsr-3463	21	9	have	have	AUX
fsr-3463	21	10	been	be	AUX
fsr-3463	21	11	measured	measure	VERB
fsr-3463	21	12	in	in	ADP
fsr-3463	21	13	a	a	DET
fsr-3463	21	14	variety	variety	NOUN
fsr-3463	21	15	of	of	ADP
fsr-3463	21	16	ways	way	NOUN
fsr-3463	21	17	such	such	ADJ
fsr-3463	21	18	as	as	ADP
fsr-3463	21	19	the	the	DET
fsr-3463	21	20	presence	presence	NOUN
fsr-3463	21	21	of	of	ADP
fsr-3463	21	22	children	child	NOUN
fsr-3463	21	23	,	,	PUNCT
fsr-3463	21	24	bequest	bequest	NOUN
fsr-3463	21	25	expectations	expectation	NOUN
fsr-3463	21	26	,	,	PUNCT
fsr-3463	21	27	or	or	CCONJ
fsr-3463	21	28	the	the	DET
fsr-3463	21	29	self	self	NOUN
fsr-3463	21	30	-	-	PUNCT
fsr-3463	21	31	reported	report	VERB
fsr-3463	21	32	importance	importance	NOUN
fsr-3463	21	33	of	of	ADP
fsr-3463	21	34	leaving	leave	VERB
fsr-3463	21	35	a	a	DET
fsr-3463	21	36	bequest	bequest	NOUN
fsr-3463	21	37	.	.	PUNCT
fsr-3463	22	1	typically	typically	ADV
fsr-3463	22	2	,	,	PUNCT
fsr-3463	22	3	researchers	researcher	NOUN
fsr-3463	22	4	do	do	AUX
fsr-3463	22	5	find	find	VERB
fsr-3463	22	6	a	a	DET
fsr-3463	22	7	negative	negative	ADJ
fsr-3463	22	8	association	association	NOUN
fsr-3463	22	9	between	between	ADP
fsr-3463	22	10	a	a	DET
fsr-3463	22	11	bequest	bequest	NOUN
fsr-3463	22	12	motive	motive	NOUN
fsr-3463	22	13	and	and	CCONJ
fsr-3463	22	14	purchasing	purchase	VERB
fsr-3463	22	15	a	a	DET
fsr-3463	22	16	life	life	NOUN
fsr-3463	22	17	annuity	annuity	NOUN
fsr-3463	22	18	(	(	PUNCT
fsr-3463	22	19	bernheim	bernheim	NOUN
fsr-3463	22	20	,	,	PUNCT
fsr-3463	22	21	1991	1991	NUM
fsr-3463	22	22	;	;	PUNCT
fsr-3463	22	23	bütler	bütler	NOUN
fsr-3463	22	24	&	&	CCONJ
fsr-3463	22	25	teppa	teppa	PROPN
fsr-3463	22	26	,	,	PUNCT
fsr-3463	22	27	2007	2007	NUM
fsr-3463	22	28	;	;	PUNCT
fsr-3463	22	29	yaari	yaari	PROPN
fsr-3463	22	30	,	,	PUNCT
fsr-3463	22	31	1965	1965	NUM
fsr-3463	22	32	)	)	PUNCT
fsr-3463	22	33	.	.	PUNCT
fsr-3463	23	1	this	this	DET
fsr-3463	23	2	paper	paper	NOUN
fsr-3463	23	3	examines	examine	VERB
fsr-3463	23	4	the	the	DET
fsr-3463	23	5	effects	effect	NOUN
fsr-3463	23	6	of	of	ADP
fsr-3463	23	7	framing	frame	VERB
fsr-3463	23	8	an	an	DET
fsr-3463	23	9	annuity	annuity	NOUN
fsr-3463	23	10	as	as	ADP
fsr-3463	23	11	bequest	bequest	NOUN
fsr-3463	23	12	protection	protection	NOUN
fsr-3463	23	13	on	on	ADP
fsr-3463	23	14	intentions	intention	NOUN
fsr-3463	23	15	to	to	PART
fsr-3463	23	16	purchase	purchase	VERB
fsr-3463	23	17	an	an	DET
fsr-3463	23	18	annuity	annuity	NOUN
fsr-3463	23	19	and	and	CCONJ
fsr-3463	23	20	how	how	SCONJ
fsr-3463	23	21	these	these	DET
fsr-3463	23	22	effects	effect	NOUN
fsr-3463	23	23	are	be	AUX
fsr-3463	23	24	impacted	impact	VERB
fsr-3463	23	25	by	by	ADP
fsr-3463	23	26	the	the	DET
fsr-3463	23	27	bequest	bequest	NOUN
fsr-3463	23	28	motive	motive	NOUN
fsr-3463	23	29	.	.	PUNCT
fsr-3463	24	1	the	the	DET
fsr-3463	24	2	estimations	estimation	NOUN
fsr-3463	24	3	of	of	ADP
fsr-3463	24	4	regression	regression	NOUN
fsr-3463	24	5	models	model	NOUN
fsr-3463	24	6	show	show	VERB
fsr-3463	24	7	that	that	SCONJ
fsr-3463	24	8	framing	frame	VERB
fsr-3463	24	9	the	the	DET
fsr-3463	24	10	annuity	annuity	NOUN
fsr-3463	24	11	as	as	ADP
fsr-3463	24	12	an	an	DET
fsr-3463	24	13	inheritance	inheritance	NOUN
fsr-3463	24	14	protection	protection	NOUN
fsr-3463	24	15	did	do	AUX
fsr-3463	24	16	increase	increase	VERB
fsr-3463	24	17	interest	interest	NOUN
fsr-3463	24	18	in	in	ADP
fsr-3463	24	19	using	use	VERB
fsr-3463	24	20	an	an	DET
fsr-3463	24	21	annuity	annuity	NOUN
fsr-3463	24	22	.	.	PUNCT
fsr-3463	25	1	further	far	ADV
fsr-3463	25	2	,	,	PUNCT
fsr-3463	25	3	it	it	PRON
fsr-3463	25	4	did	do	VERB
fsr-3463	25	5	so	so	ADV
fsr-3463	25	6	to	to	ADP
fsr-3463	25	7	a	a	DET
fsr-3463	25	8	much	much	ADV
fsr-3463	25	9	stronger	strong	ADJ
fsr-3463	25	10	degree	degree	NOUN
fsr-3463	25	11	for	for	ADP
fsr-3463	25	12	people	people	NOUN
fsr-3463	25	13	who	who	PRON
fsr-3463	25	14	first	first	ADV
fsr-3463	25	15	reported	report	VERB
fsr-3463	25	16	having	have	VERB
fsr-3463	25	17	a	a	DET
fsr-3463	25	18	relatively	relatively	ADV
fsr-3463	25	19	higher	high	ADJ
fsr-3463	25	20	bequest	bequest	NOUN
fsr-3463	25	21	motive	motive	NOUN
fsr-3463	25	22	.	.	PUNCT
fsr-3463	26	1	this	this	PRON
fsr-3463	26	2	was	be	AUX
fsr-3463	26	3	true	true	ADJ
fsr-3463	26	4	both	both	CCONJ
fsr-3463	26	5	when	when	SCONJ
fsr-3463	26	6	measured	measure	VERB
fsr-3463	26	7	as	as	ADP
fsr-3463	26	8	the	the	DET
fsr-3463	26	9	change	change	NOUN
fsr-3463	26	10	in	in	ADP
fsr-3463	26	11	estimated	estimate	VERB
fsr-3463	26	12	numerical	numerical	ADJ
fsr-3463	26	13	probability	probability	NOUN
fsr-3463	26	14	of	of	ADP
fsr-3463	26	15	using	use	VERB
fsr-3463	26	16	an	an	DET
fsr-3463	26	17	annuity	annuity	NOUN
fsr-3463	26	18	(	(	PUNCT
fsr-3463	26	19	multiple	multiple	ADJ
fsr-3463	26	20	linear	linear	PROPN
fsr-3463	26	21	regression	regression	NOUN
fsr-3463	26	22	model	model	NOUN
fsr-3463	26	23	)	)	PUNCT
fsr-3463	26	24	and	and	CCONJ
fsr-3463	26	25	when	when	SCONJ
fsr-3463	26	26	measuring	measure	VERB
fsr-3463	26	27	the	the	DET
fsr-3463	26	28	binary	binary	ADJ
fsr-3463	26	29	outcome	outcome	NOUN
fsr-3463	26	30	of	of	ADP
fsr-3463	26	31	whether	whether	SCONJ
fsr-3463	26	32	or	or	CCONJ
fsr-3463	26	33	not	not	PART
fsr-3463	26	34	interest	interest	NOUN
fsr-3463	26	35	in	in	ADP
fsr-3463	26	36	an	an	DET
fsr-3463	26	37	annuity	annuity	NOUN
fsr-3463	26	38	increased	increase	VERB
fsr-3463	26	39	(	(	PUNCT
fsr-3463	26	40	probit	probit	NOUN
fsr-3463	26	41	regression	regression	NOUN
fsr-3463	26	42	model	model	NOUN
fsr-3463	26	43	)	)	PUNCT
fsr-3463	26	44	.	.	PUNCT
fsr-3463	27	1	the	the	DET
fsr-3463	27	2	increase	increase	NOUN
fsr-3463	27	3	in	in	ADP
fsr-3463	27	4	the	the	DET
fsr-3463	27	5	interest	interest	NOUN
fsr-3463	27	6	in	in	ADP
fsr-3463	27	7	annuitization	annuitization	NOUN
fsr-3463	27	8	grew	grow	VERB
fsr-3463	27	9	more	more	ADV
fsr-3463	27	10	strongly	strongly	ADV
fsr-3463	27	11	for	for	ADP
fsr-3463	27	12	those	those	PRON
fsr-3463	27	13	with	with	ADP
fsr-3463	27	14	a	a	DET
fsr-3463	27	15	higher	high	ADJ
fsr-3463	27	16	bequest	bequest	NOUN
fsr-3463	27	17	motive	motive	NOUN
fsr-3463	27	18	,	,	PUNCT
fsr-3463	27	19	even	even	ADV
fsr-3463	27	20	when	when	SCONJ
fsr-3463	27	21	controlling	control	VERB
fsr-3463	27	22	for	for	ADP
fsr-3463	27	23	other	other	ADJ
fsr-3463	27	24	factors	factor	NOUN
fsr-3463	27	25	such	such	ADJ
fsr-3463	27	26	as	as	ADP
fsr-3463	27	27	the	the	DET
fsr-3463	27	28	personal	personal	ADJ
fsr-3463	27	29	longevity	longevity	NOUN
fsr-3463	27	30	estimations	estimation	NOUN
fsr-3463	27	31	,	,	PUNCT
fsr-3463	27	32	education	education	NOUN
fsr-3463	27	33	,	,	PUNCT
fsr-3463	27	34	income	income	NOUN
fsr-3463	27	35	,	,	PUNCT
fsr-3463	27	36	age	age	NOUN
fsr-3463	27	37	,	,	PUNCT
fsr-3463	27	38	and	and	CCONJ
fsr-3463	27	39	gender	gender	NOUN
fsr-3463	27	40	.	.	PUNCT
fsr-3463	28	1	a	a	DET
fsr-3463	28	2	higher	high	ADJ
fsr-3463	28	3	bequest	bequest	NOUN
fsr-3463	28	4	motive	motive	NOUN
fsr-3463	28	5	leads	lead	VERB
fsr-3463	28	6	to	to	ADP
fsr-3463	28	7	a	a	DET
fsr-3463	28	8	greater	great	ADJ
fsr-3463	28	9	impact	impact	NOUN
fsr-3463	28	10	from	from	ADP
fsr-3463	28	11	bequest	bequest	NOUN
fsr-3463	28	12	protection	protection	NOUN
fsr-3463	28	13	framing	framing	NOUN
fsr-3463	28	14	of	of	ADP
fsr-3463	28	15	an	an	DET
fsr-3463	28	16	annuity	annuity	NOUN
fsr-3463	28	17	.	.	PUNCT
fsr-3463	29	1	2	2	X
fsr-3463	29	2	.	.	X
fsr-3463	29	3	literature	literature	NOUN
fsr-3463	29	4	review	review	VERB
fsr-3463	29	5	2.1	2.1	NUM
fsr-3463	29	6	.	.	PUNCT
fsr-3463	30	1	the	the	DET
fsr-3463	30	2	annuity	annuity	NOUN
fsr-3463	30	3	puzzle	puzzle	NOUN
fsr-3463	30	4	people	people	NOUN
fsr-3463	30	5	face	face	VERB
fsr-3463	30	6	significant	significant	ADJ
fsr-3463	30	7	longevity	longevity	NOUN
fsr-3463	30	8	risk	risk	NOUN
fsr-3463	30	9	in	in	ADP
fsr-3463	30	10	the	the	DET
fsr-3463	30	11	united	united	PROPN
fsr-3463	30	12	states	states	PROPN
fsr-3463	30	13	(	(	PUNCT
fsr-3463	30	14	lockwood	lockwood	PROPN
fsr-3463	30	15	,	,	PUNCT
fsr-3463	30	16	2012	2012	NUM
fsr-3463	30	17	)	)	PUNCT
fsr-3463	30	18	in	in	ADP
fsr-3463	30	19	part	part	NOUN
fsr-3463	30	20	due	due	ADP
fsr-3463	30	21	to	to	ADP
fsr-3463	30	22	generally	generally	ADV
fsr-3463	30	23	increasing	increase	VERB
fsr-3463	30	24	life	life	NOUN
fsr-3463	30	25	expectancy	expectancy	NOUN
fsr-3463	30	26	(	(	PUNCT
fsr-3463	30	27	knell	knell	INTJ
fsr-3463	30	28	,	,	PUNCT
fsr-3463	30	29	2018	2018	NUM
fsr-3463	30	30	)	)	PUNCT
fsr-3463	30	31	.	.	PUNCT
fsr-3463	31	1	according	accord	VERB
fsr-3463	31	2	to	to	ADP
fsr-3463	31	3	data	datum	NOUN
fsr-3463	31	4	from	from	ADP
fsr-3463	31	5	the	the	DET
fsr-3463	31	6	world	world	PROPN
fsr-3463	31	7	bank	bank	PROPN
fsr-3463	31	8	,	,	PUNCT
fsr-3463	31	9	the	the	DET
fsr-3463	31	10	average	average	ADJ
fsr-3463	31	11	u.s	u.s	PROPN
fsr-3463	31	12	.	.	PROPN
fsr-3463	31	13	life	life	NOUN
fsr-3463	31	14	expectancy	expectancy	NOUN
fsr-3463	31	15	for	for	ADP
fsr-3463	31	16	males	male	NOUN
fsr-3463	31	17	increased	increase	VERB
fsr-3463	31	18	from	from	ADP
fsr-3463	31	19	46.3	46.3	NUM
fsr-3463	31	20	to	to	ADP
fsr-3463	31	21	79	79	NUM
fsr-3463	31	22	between	between	ADP
fsr-3463	31	23	1900	1900	NUM
fsr-3463	31	24	and	and	CCONJ
fsr-3463	31	25	2018	2018	NUM
fsr-3463	31	26	and	and	CCONJ
fsr-3463	31	27	the	the	DET
fsr-3463	31	28	average	average	ADJ
fsr-3463	31	29	life	life	NOUN
fsr-3463	31	30	expectancy	expectancy	NOUN
fsr-3463	31	31	for	for	ADP
fsr-3463	31	32	females	female	NOUN
fsr-3463	31	33	increased	increase	VERB
fsr-3463	31	34	from	from	ADP
fsr-3463	31	35	48.3	48.3	NUM
fsr-3463	31	36	to	to	ADP
fsr-3463	31	37	84	84	NUM
fsr-3463	31	38	between	between	ADP
fsr-3463	31	39	1900	1900	NUM
fsr-3463	31	40	and	and	CCONJ
fsr-3463	31	41	2018	2018	NUM
fsr-3463	31	42	(	(	PUNCT
fsr-3463	31	43	the	the	DET
fsr-3463	31	44	world	world	PROPN
fsr-3463	31	45	bank	bank	PROPN
fsr-3463	31	46	,	,	PUNCT
fsr-3463	31	47	2019	2019	NUM
fsr-3463	31	48	)	)	PUNCT
fsr-3463	31	49	.	.	PUNCT
fsr-3463	32	1	about	about	ADV
fsr-3463	32	2	one	one	NUM
fsr-3463	32	3	-	-	PUNCT
fsr-3463	32	4	fifth	fifth	NOUN
fsr-3463	32	5	of	of	ADP
fsr-3463	32	6	65	65	NUM
fsr-3463	32	7	-	-	PUNCT
fsr-3463	32	8	years	year	NOUN
fsr-3463	32	9	-	-	PUNCT
fsr-3463	32	10	olds	old	NOUN
fsr-3463	32	11	will	will	AUX
fsr-3463	32	12	live	live	VERB
fsr-3463	32	13	to	to	ADP
fsr-3463	32	14	age	age	NOUN
fsr-3463	32	15	90	90	NUM
fsr-3463	32	16	and	and	CCONJ
fsr-3463	32	17	beyond	beyond	ADP
fsr-3463	32	18	(	(	PUNCT
fsr-3463	32	19	lockwood	lockwood	NOUN
fsr-3463	32	20	,	,	PUNCT
fsr-3463	32	21	2018	2018	NUM
fsr-3463	32	22	)	)	PUNCT
fsr-3463	32	23	.	.	PUNCT
fsr-3463	33	1	therefore	therefore	ADV
fsr-3463	33	2	,	,	PUNCT
fsr-3463	33	3	retirees	retiree	NOUN
fsr-3463	33	4	should	should	AUX
fsr-3463	33	5	be	be	AUX
fsr-3463	33	6	increasingly	increasingly	ADV
fsr-3463	33	7	concerned	concerned	ADJ
fsr-3463	33	8	about	about	ADP
fsr-3463	33	9	the	the	DET
fsr-3463	33	10	need	need	NOUN
fsr-3463	33	11	to	to	PART
fsr-3463	33	12	hedge	hedge	VERB
fsr-3463	33	13	longevity	longevity	NOUN
fsr-3463	33	14	risk	risk	NOUN
fsr-3463	33	15	.	.	PUNCT
fsr-3463	34	1	the	the	DET
fsr-3463	34	2	economic	economic	ADJ
fsr-3463	34	3	literature	literature	NOUN
fsr-3463	34	4	provides	provide	VERB
fsr-3463	34	5	theoretical	theoretical	ADJ
fsr-3463	34	6	and	and	CCONJ
fsr-3463	34	7	empirical	empirical	ADJ
fsr-3463	34	8	evidence	evidence	NOUN
fsr-3463	34	9	that	that	SCONJ
fsr-3463	34	10	life	life	NOUN
fsr-3463	34	11	annuities	annuity	NOUN
fsr-3463	34	12	bring	bring	VERB
fsr-3463	34	13	substantial	substantial	ADJ
fsr-3463	34	14	welfare	welfare	NOUN
fsr-3463	34	15	improvements	improvement	NOUN
fsr-3463	34	16	to	to	ADP
fsr-3463	34	17	retirees	retiree	NOUN
fsr-3463	34	18	(	(	PUNCT
fsr-3463	34	19	cox	cox	PROPN
fsr-3463	34	20	&	&	CCONJ
fsr-3463	34	21	lin	lin	PROPN
fsr-3463	34	22	,	,	PUNCT
fsr-3463	34	23	2007	2007	NUM
fsr-3463	34	24	;	;	PUNCT
fsr-3463	34	25	scott	scott	PROPN
fsr-3463	34	26	,	,	PUNCT
fsr-3463	34	27	2008	2008	NUM
fsr-3463	34	28	)	)	PUNCT
fsr-3463	34	29	.	.	PUNCT
fsr-3463	35	1	an	an	DET
fsr-3463	35	2	immediate	immediate	ADJ
fsr-3463	35	3	annuity	annuity	NOUN
fsr-3463	35	4	can	can	AUX
fsr-3463	35	5	bring	bring	VERB
fsr-3463	35	6	a	a	DET
fsr-3463	35	7	lifetime	lifetime	NOUN
fsr-3463	35	8	income	income	NOUN
fsr-3463	35	9	stream	stream	NOUN
fsr-3463	35	10	for	for	ADP
fsr-3463	35	11	retirees	retiree	NOUN
fsr-3463	35	12	and	and	CCONJ
fsr-3463	35	13	help	help	VERB
fsr-3463	35	14	them	they	PRON
fsr-3463	35	15	maximize	maximize	VERB
fsr-3463	35	16	retirement	retirement	NOUN
fsr-3463	35	17	spending	spending	NOUN
fsr-3463	35	18	(	(	PUNCT
fsr-3463	35	19	scott	scott	PROPN
fsr-3463	35	20	,	,	PUNCT
fsr-3463	35	21	2008	2008	NUM
fsr-3463	35	22	)	)	PUNCT
fsr-3463	35	23	.	.	PUNCT
fsr-3463	36	1	moreover	moreover	ADV
fsr-3463	36	2	,	,	PUNCT
fsr-3463	36	3	scott	scott	PROPN
fsr-3463	36	4	(	(	PUNCT
fsr-3463	36	5	2008	2008	NUM
fsr-3463	36	6	)	)	PUNCT
fsr-3463	36	7	suggests	suggest	VERB
fsr-3463	36	8	partial	partial	ADJ
fsr-3463	36	9	annuitization	annuitization	NOUN
fsr-3463	36	10	should	should	AUX
fsr-3463	36	11	be	be	AUX
fsr-3463	36	12	an	an	DET
fsr-3463	36	13	optimal	optimal	ADJ
fsr-3463	36	14	strategy	strategy	NOUN
fsr-3463	36	15	for	for	ADP
fsr-3463	36	16	typical	typical	ADJ
fsr-3463	36	17	retirees	retiree	NOUN
fsr-3463	36	18	and	and	CCONJ
fsr-3463	36	19	recommends	recommend	VERB
fsr-3463	36	20	that	that	SCONJ
fsr-3463	36	21	retirees	retiree	NOUN
fsr-3463	36	22	convert	convert	VERB
fsr-3463	36	23	1015	1015	NUM
fsr-3463	36	24	%	%	NOUN
fsr-3463	36	25	of	of	ADP
fsr-3463	36	26	wealth	wealth	NOUN
fsr-3463	36	27	to	to	ADP
fsr-3463	36	28	a	a	DET
fsr-3463	36	29	life	life	NOUN
fsr-3463	36	30	annuity	annuity	NOUN
fsr-3463	36	31	in	in	ADP
fsr-3463	36	32	the	the	DET
fsr-3463	36	33	retirement	retirement	NOUN
fsr-3463	36	34	period	period	NOUN
fsr-3463	36	35	.	.	PUNCT
fsr-3463	37	1	however	however	ADV
fsr-3463	37	2	,	,	PUNCT
fsr-3463	37	3	few	few	ADJ
fsr-3463	37	4	retirees	retiree	NOUN
fsr-3463	37	5	annuitize	annuitize	VERB
fsr-3463	37	6	any	any	PRON
fsr-3463	37	7	of	of	ADP
fsr-3463	37	8	their	their	PRON
fsr-3463	37	9	wealth	wealth	NOUN
fsr-3463	37	10	.	.	PUNCT
fsr-3463	38	1	among	among	ADP
fsr-3463	38	2	people	people	NOUN
fsr-3463	38	3	who	who	PRON
fsr-3463	38	4	are	be	AUX
fsr-3463	38	5	eligible	eligible	ADJ
fsr-3463	38	6	for	for	ADP
fsr-3463	38	7	defined	define	VERB
fsr-3463	38	8	benefit	benefit	NOUN
fsr-3463	38	9	pension	pension	NOUN
fsr-3463	38	10	plans	plan	NOUN
fsr-3463	38	11	,	,	PUNCT
fsr-3463	38	12	a	a	DET
fsr-3463	38	13	form	form	NOUN
fsr-3463	38	14	of	of	ADP
fsr-3463	38	15	an	an	DET
fsr-3463	38	16	annuity	annuity	NOUN
fsr-3463	38	17	,	,	PUNCT
fsr-3463	38	18	when	when	SCONJ
fsr-3463	38	19	the	the	DET
fsr-3463	38	20	plans	plan	NOUN
fsr-3463	38	21	offer	offer	VERB
fsr-3463	38	22	a	a	DET
fsr-3463	38	23	lump	lump	NOUN
fsr-3463	38	24	-	-	PUNCT
fsr-3463	38	25	sum	sum	NOUN
fsr-3463	38	26	option	option	NOUN
fsr-3463	38	27	,	,	PUNCT
fsr-3463	38	28	about	about	ADV
fsr-3463	38	29	50	50	NUM
fsr-3463	38	30	%	%	NOUN
fsr-3463	38	31	to	to	PART
fsr-3463	38	32	75	75	NUM
fsr-3463	38	33	%	%	NOUN
fsr-3463	38	34	of	of	ADP
fsr-3463	38	35	these	these	DET
fsr-3463	38	36	benefits	benefit	NOUN
fsr-3463	38	37	are	be	AUX
fsr-3463	38	38	taken	take	VERB
fsr-3463	38	39	as	as	ADP
fsr-3463	38	40	a	a	DET
fsr-3463	38	41	lump	lump	NOUN
fsr-3463	38	42	-	-	PUNCT
fsr-3463	38	43	sum	sum	NOUN
fsr-3463	38	44	(	(	PUNCT
fsr-3463	38	45	banerjee	banerjee	PROPN
fsr-3463	38	46	,	,	PUNCT
fsr-3463	38	47	2013	2013	NUM
fsr-3463	38	48	)	)	PUNCT
fsr-3463	38	49	.	.	PUNCT
fsr-3463	39	1	this	this	PRON
fsr-3463	39	2	is	be	AUX
fsr-3463	39	3	true	true	ADJ
fsr-3463	39	4	278	278	NUM
fsr-3463	39	5	y.	y.	PROPN
fsr-3463	39	6	yan	yan	PROPN
fsr-3463	40	1	and	and	CCONJ
fsr-3463	40	2	r.	r.	PROPN
fsr-3463	40	3	n.	n.	PROPN
fsr-3463	40	4	james	james	PROPN
fsr-3463	40	5	/	/	SYM
fsr-3463	40	6	financial	financial	ADJ
fsr-3463	40	7	services	service	NOUN
fsr-3463	40	8	review	review	VERB
fsr-3463	40	9	29	29	NUM
fsr-3463	40	10	(	(	PUNCT
fsr-3463	40	11	2021	2021	NUM
fsr-3463	40	12	)	)	PUNCT
fsr-3463	41	1	277–291	277–291	NUM
fsr-3463	41	2	even	even	ADV
fsr-3463	41	3	if	if	SCONJ
fsr-3463	41	4	the	the	DET
fsr-3463	41	5	lifetime	lifetime	NOUN
fsr-3463	41	6	benefit	benefit	NOUN
fsr-3463	41	7	is	be	AUX
fsr-3463	41	8	the	the	DET
fsr-3463	41	9	default	default	NOUN
fsr-3463	41	10	option	option	NOUN
fsr-3463	41	11	and	and	CCONJ
fsr-3463	41	12	retirees	retiree	NOUN
fsr-3463	41	13	have	have	VERB
fsr-3463	41	14	to	to	PART
fsr-3463	41	15	spend	spend	VERB
fsr-3463	41	16	great	great	ADJ
fsr-3463	41	17	time	time	NOUN
fsr-3463	41	18	on	on	ADP
fsr-3463	41	19	complex	complex	ADJ
fsr-3463	41	20	paperwork	paperwork	NOUN
fsr-3463	41	21	to	to	PART
fsr-3463	41	22	get	get	VERB
fsr-3463	41	23	the	the	DET
fsr-3463	41	24	lump	lump	NOUN
fsr-3463	41	25	-	-	PUNCT
fsr-3463	41	26	sum	sum	NOUN
fsr-3463	41	27	distribution	distribution	NOUN
fsr-3463	41	28	(	(	PUNCT
fsr-3463	41	29	banerjee	banerjee	PROPN
fsr-3463	41	30	,	,	PUNCT
fsr-3463	41	31	2013	2013	NUM
fsr-3463	41	32	;	;	PUNCT
fsr-3463	41	33	benartzi	benartzi	NOUN
fsr-3463	41	34	,	,	PUNCT
fsr-3463	41	35	previtero	previtero	PROPN
fsr-3463	41	36	,	,	PUNCT
fsr-3463	41	37	&	&	CCONJ
fsr-3463	41	38	thaler	thaler	PROPN
fsr-3463	41	39	,	,	PUNCT
fsr-3463	41	40	2011	2011	NUM
fsr-3463	41	41	;	;	PUNCT
fsr-3463	41	42	mottola	mottola	PROPN
fsr-3463	41	43	&	&	CCONJ
fsr-3463	41	44	utkus	utkus	PROPN
fsr-3463	41	45	,	,	PUNCT
fsr-3463	41	46	2008	2008	NUM
fsr-3463	41	47	)	)	PUNCT
fsr-3463	41	48	.	.	PUNCT
fsr-3463	42	1	williams	williams	PROPN
fsr-3463	42	2	and	and	CCONJ
fsr-3463	42	3	james	james	PROPN
fsr-3463	42	4	(	(	PUNCT
fsr-3463	42	5	2019	2019	NUM
fsr-3463	42	6	)	)	PUNCT
fsr-3463	42	7	found	find	VERB
fsr-3463	42	8	that	that	SCONJ
fsr-3463	42	9	only	only	ADV
fsr-3463	42	10	4	4	NUM
fsr-3463	42	11	%	%	NOUN
fsr-3463	42	12	of	of	ADP
fsr-3463	42	13	retirees	retiree	NOUN
fsr-3463	42	14	were	be	AUX
fsr-3463	42	15	receiving	receive	VERB
fsr-3463	42	16	income	income	NOUN
fsr-3463	42	17	from	from	ADP
fsr-3463	42	18	a	a	DET
fsr-3463	42	19	commercial	commercial	ADJ
fsr-3463	42	20	annuity	annuity	NOUN
fsr-3463	42	21	other	other	ADJ
fsr-3463	42	22	than	than	ADP
fsr-3463	42	23	traditional	traditional	ADJ
fsr-3463	42	24	pension	pension	NOUN
fsr-3463	42	25	plans	plan	NOUN
fsr-3463	42	26	.	.	PUNCT
fsr-3463	43	1	thus	thus	ADV
fsr-3463	43	2	,	,	PUNCT
fsr-3463	43	3	the	the	DET
fsr-3463	43	4	propensity	propensity	NOUN
fsr-3463	43	5	to	to	PART
fsr-3463	43	6	annuitize	annuitize	VERB
fsr-3463	43	7	is	be	AUX
fsr-3463	43	8	low	low	ADJ
fsr-3463	43	9	in	in	ADP
fsr-3463	43	10	the	the	DET
fsr-3463	43	11	united	united	PROPN
fsr-3463	43	12	states	states	PROPN
fsr-3463	43	13	(	(	PUNCT
fsr-3463	43	14	peijnenburg	peijnenburg	NOUN
fsr-3463	43	15	et	et	NOUN
fsr-3463	43	16	al	al	PROPN
fsr-3463	43	17	.	.	PROPN
fsr-3463	43	18	,	,	PUNCT
fsr-3463	43	19	2016	2016	NUM
fsr-3463	43	20	)	)	PUNCT
fsr-3463	43	21	.	.	PUNCT
fsr-3463	44	1	unwillingness	unwillingness	NOUN
fsr-3463	44	2	to	to	PART
fsr-3463	44	3	annuitize	annuitize	VERB
fsr-3463	44	4	is	be	AUX
fsr-3463	44	5	not	not	PART
fsr-3463	44	6	a	a	DET
fsr-3463	44	7	unique	unique	ADJ
fsr-3463	44	8	behavior	behavior	NOUN
fsr-3463	44	9	for	for	ADP
fsr-3463	44	10	americans	americans	PROPN
fsr-3463	44	11	.	.	PUNCT
fsr-3463	45	1	for	for	ADP
fsr-3463	45	2	example	example	NOUN
fsr-3463	45	3	,	,	PUNCT
fsr-3463	45	4	an	an	DET
fsr-3463	45	5	analysis	analysis	NOUN
fsr-3463	45	6	using	use	VERB
fsr-3463	45	7	japanese	japanese	ADJ
fsr-3463	45	8	data	datum	NOUN
fsr-3463	45	9	also	also	ADV
fsr-3463	45	10	reports	report	VERB
fsr-3463	45	11	similarly	similarly	ADV
fsr-3463	45	12	low	low	ADJ
fsr-3463	45	13	propensity	propensity	NOUN
fsr-3463	45	14	to	to	PART
fsr-3463	45	15	voluntarily	voluntarily	ADV
fsr-3463	45	16	annuitize	annuitize	VERB
fsr-3463	45	17	wealth	wealth	NOUN
fsr-3463	45	18	(	(	PUNCT
fsr-3463	45	19	purcal	purcal	PROPN
fsr-3463	45	20	&	&	CCONJ
fsr-3463	45	21	piggott	piggott	PROPN
fsr-3463	45	22	,	,	PUNCT
fsr-3463	45	23	2008	2008	NUM
fsr-3463	45	24	)	)	PUNCT
fsr-3463	45	25	.	.	PUNCT
fsr-3463	46	1	this	this	DET
fsr-3463	46	2	widespread	widespread	ADJ
fsr-3463	46	3	resistance	resistance	NOUN
fsr-3463	46	4	to	to	ADP
fsr-3463	46	5	annuitization	annuitization	NOUN
fsr-3463	46	6	is	be	AUX
fsr-3463	46	7	known	know	VERB
fsr-3463	46	8	as	as	ADP
fsr-3463	46	9	the	the	DET
fsr-3463	46	10	“	"	PUNCT
fsr-3463	46	11	annuitization	annuitization	NOUN
fsr-3463	46	12	puzzle	puzzle	NOUN
fsr-3463	46	13	”	"	PUNCT
fsr-3463	46	14	(	(	PUNCT
fsr-3463	46	15	modigliani	modigliani	PROPN
fsr-3463	46	16	,	,	PUNCT
fsr-3463	46	17	1986	1986	NUM
fsr-3463	46	18	)	)	PUNCT
fsr-3463	46	19	.	.	PUNCT
fsr-3463	47	1	in	in	ADP
fsr-3463	47	2	other	other	ADJ
fsr-3463	47	3	words	word	NOUN
fsr-3463	47	4	,	,	PUNCT
fsr-3463	47	5	annuities	annuity	NOUN
fsr-3463	47	6	are	be	AUX
fsr-3463	47	7	underutilized	underutilize	VERB
fsr-3463	47	8	.	.	PUNCT
fsr-3463	48	1	2.2	2.2	NUM
fsr-3463	48	2	.	.	PUNCT
fsr-3463	49	1	bequest	bequest	NOUN
fsr-3463	49	2	motives	motive	VERB
fsr-3463	49	3	researchers	researcher	NOUN
fsr-3463	49	4	have	have	AUX
fsr-3463	49	5	used	use	VERB
fsr-3463	49	6	various	various	ADJ
fsr-3463	49	7	explanations	explanation	NOUN
fsr-3463	49	8	for	for	ADP
fsr-3463	49	9	this	this	DET
fsr-3463	49	10	annuitization	annuitization	NOUN
fsr-3463	49	11	puzzle	puzzle	NOUN
fsr-3463	49	12	.	.	PUNCT
fsr-3463	50	1	the	the	DET
fsr-3463	50	2	low	low	ADJ
fsr-3463	50	3	demand	demand	NOUN
fsr-3463	50	4	could	could	AUX
fsr-3463	50	5	result	result	VERB
fsr-3463	50	6	from	from	ADP
fsr-3463	50	7	the	the	DET
fsr-3463	50	8	public	public	ADJ
fsr-3463	50	9	pension	pension	NOUN
fsr-3463	50	10	system	system	NOUN
fsr-3463	50	11	.	.	PUNCT
fsr-3463	51	1	retirees	retiree	NOUN
fsr-3463	51	2	may	may	AUX
fsr-3463	51	3	have	have	AUX
fsr-3463	51	4	sufficiently	sufficiently	ADV
fsr-3463	51	5	hedged	hedge	VERB
fsr-3463	51	6	the	the	DET
fsr-3463	51	7	longevity	longevity	NOUN
fsr-3463	51	8	risk	risk	NOUN
fsr-3463	51	9	with	with	ADP
fsr-3463	51	10	annuities	annuity	NOUN
fsr-3463	51	11	provided	provide	VERB
fsr-3463	51	12	by	by	ADP
fsr-3463	51	13	the	the	DET
fsr-3463	51	14	public	public	ADJ
fsr-3463	51	15	pension	pension	NOUN
fsr-3463	51	16	system	system	NOUN
fsr-3463	51	17	,	,	PUNCT
fsr-3463	51	18	such	such	ADJ
fsr-3463	51	19	as	as	ADP
fsr-3463	51	20	social	social	ADJ
fsr-3463	51	21	security	security	NOUN
fsr-3463	51	22	(	(	PUNCT
fsr-3463	51	23	brown	brown	ADJ
fsr-3463	51	24	,	,	PUNCT
fsr-3463	51	25	2001	2001	NUM
fsr-3463	51	26	,	,	PUNCT
fsr-3463	51	27	2003	2003	NUM
fsr-3463	51	28	)	)	PUNCT
fsr-3463	51	29	.	.	PUNCT
fsr-3463	52	1	others	other	NOUN
fsr-3463	52	2	argue	argue	VERB
fsr-3463	52	3	that	that	SCONJ
fsr-3463	52	4	the	the	DET
fsr-3463	52	5	annuity	annuity	NOUN
fsr-3463	52	6	market	market	NOUN
fsr-3463	52	7	is	be	AUX
fsr-3463	52	8	not	not	PART
fsr-3463	52	9	actuarially	actuarially	ADV
fsr-3463	52	10	fair	fair	ADJ
fsr-3463	52	11	(	(	PUNCT
fsr-3463	52	12	brown	brown	ADJ
fsr-3463	52	13	&	&	CCONJ
fsr-3463	52	14	poterba	poterba	NOUN
fsr-3463	52	15	,	,	PUNCT
fsr-3463	52	16	2000	2000	NUM
fsr-3463	52	17	;	;	PUNCT
fsr-3463	52	18	donnelly	donnelly	PROPN
fsr-3463	52	19	,	,	PUNCT
fsr-3463	52	20	2015	2015	NUM
fsr-3463	52	21	;	;	PUNCT
fsr-3463	52	22	lockwood	lockwood	PROPN
fsr-3463	52	23	,	,	PUNCT
fsr-3463	52	24	2012	2012	NUM
fsr-3463	52	25	;	;	PUNCT
fsr-3463	52	26	pecchenion	pecchenion	NOUN
fsr-3463	52	27	&	&	CCONJ
fsr-3463	52	28	pollard	pollard	PROPN
fsr-3463	52	29	,	,	PUNCT
fsr-3463	52	30	1997	1997	NUM
fsr-3463	52	31	)	)	PUNCT
fsr-3463	52	32	,	,	PUNCT
fsr-3463	52	33	and	and	CCONJ
fsr-3463	52	34	that	that	SCONJ
fsr-3463	52	35	rates	rate	NOUN
fsr-3463	52	36	are	be	AUX
fsr-3463	52	37	unattractive	unattractive	ADJ
fsr-3463	52	38	due	due	ADP
fsr-3463	52	39	to	to	ADP
fsr-3463	52	40	the	the	DET
fsr-3463	52	41	issue	issue	NOUN
fsr-3463	52	42	of	of	ADP
fsr-3463	52	43	adverse	adverse	ADJ
fsr-3463	52	44	selection	selection	NOUN
fsr-3463	52	45	(	(	PUNCT
fsr-3463	52	46	abel	abel	PROPN
fsr-3463	52	47	,	,	PUNCT
fsr-3463	52	48	1985	1985	NUM
fsr-3463	52	49	;	;	PUNCT
fsr-3463	52	50	finkelstein	finkelstein	PROPN
fsr-3463	52	51	&	&	CCONJ
fsr-3463	52	52	poterba	poterba	PROPN
fsr-3463	52	53	,	,	PUNCT
fsr-3463	52	54	2004	2004	NUM
fsr-3463	52	55	;	;	PUNCT
fsr-3463	52	56	mitchell	mitchell	PROPN
fsr-3463	52	57	&	&	CCONJ
fsr-3463	52	58	mccarthy	mccarthy	PROPN
fsr-3463	52	59	,	,	PUNCT
fsr-3463	52	60	2002	2002	NUM
fsr-3463	52	61	)	)	PUNCT
fsr-3463	52	62	.	.	PUNCT
fsr-3463	53	1	still	still	ADV
fsr-3463	53	2	others	other	NOUN
fsr-3463	53	3	argue	argue	VERB
fsr-3463	53	4	that	that	SCONJ
fsr-3463	53	5	individuals	individual	NOUN
fsr-3463	53	6	self	self	NOUN
fsr-3463	53	7	-	-	PUNCT
fsr-3463	53	8	insure	insure	NOUN
fsr-3463	53	9	using	use	VERB
fsr-3463	53	10	other	other	ADJ
fsr-3463	53	11	assets	asset	NOUN
fsr-3463	53	12	or	or	CCONJ
fsr-3463	53	13	resources	resource	NOUN
fsr-3463	53	14	(	(	PUNCT
fsr-3463	53	15	laferrère	laferrère	ADJ
fsr-3463	53	16	,	,	PUNCT
fsr-3463	53	17	2012	2012	NUM
fsr-3463	53	18	;	;	PUNCT
fsr-3463	53	19	vidal	vidal	NOUN
fsr-3463	53	20	-	-	PUNCT
fsr-3463	53	21	meliá	meliá	NOUN
fsr-3463	53	22	&	&	CCONJ
fsr-3463	53	23	lejárraga	lejárraga	NOUN
fsr-3463	53	24	-	-	PUNCT
fsr-3463	53	25	garcı́a	garcı́a	NOUN
fsr-3463	53	26	,	,	PUNCT
fsr-3463	53	27	2006	2006	NUM
fsr-3463	53	28	)	)	PUNCT
fsr-3463	53	29	.	.	PUNCT
fsr-3463	54	1	however	however	ADV
fsr-3463	54	2	,	,	PUNCT
fsr-3463	54	3	the	the	DET
fsr-3463	54	4	most	most	ADV
fsr-3463	54	5	common	common	ADJ
fsr-3463	54	6	explanation	explanation	NOUN
fsr-3463	54	7	for	for	ADP
fsr-3463	54	8	the	the	DET
fsr-3463	54	9	annuitization	annuitization	NOUN
fsr-3463	54	10	puzzle	puzzle	NOUN
fsr-3463	54	11	is	be	AUX
fsr-3463	54	12	the	the	DET
fsr-3463	54	13	bequest	bequest	NOUN
fsr-3463	54	14	motive	motive	NOUN
fsr-3463	54	15	.	.	PUNCT
fsr-3463	55	1	several	several	ADJ
fsr-3463	55	2	authors	author	NOUN
fsr-3463	55	3	conclude	conclude	VERB
fsr-3463	55	4	that	that	SCONJ
fsr-3463	55	5	the	the	DET
fsr-3463	55	6	bequest	bequest	NOUN
fsr-3463	55	7	motive	motive	NOUN
fsr-3463	55	8	could	could	AUX
fsr-3463	55	9	be	be	AUX
fsr-3463	55	10	a	a	DET
fsr-3463	55	11	barrier	barrier	NOUN
fsr-3463	55	12	that	that	PRON
fsr-3463	55	13	might	might	AUX
fsr-3463	55	14	reduce	reduce	VERB
fsr-3463	55	15	the	the	DET
fsr-3463	55	16	demand	demand	NOUN
fsr-3463	55	17	for	for	ADP
fsr-3463	55	18	a	a	DET
fsr-3463	55	19	life	life	NOUN
fsr-3463	55	20	annuity	annuity	NOUN
fsr-3463	55	21	(	(	PUNCT
fsr-3463	55	22	bernheim	bernheim	NOUN
fsr-3463	55	23	,	,	PUNCT
fsr-3463	55	24	1991	1991	NUM
fsr-3463	55	25	;	;	PUNCT
fsr-3463	55	26	friedman	friedman	PROPN
fsr-3463	55	27	&	&	CCONJ
fsr-3463	55	28	warshawsky	warshawsky	PROPN
fsr-3463	55	29	,	,	PUNCT
fsr-3463	55	30	1990	1990	NUM
fsr-3463	55	31	;	;	PUNCT
fsr-3463	55	32	lockwood	lockwood	PROPN
fsr-3463	55	33	,	,	PUNCT
fsr-3463	55	34	2012	2012	NUM
fsr-3463	55	35	,	,	PUNCT
fsr-3463	55	36	2018	2018	NUM
fsr-3463	55	37	;	;	PUNCT
fsr-3463	55	38	purcal	purcal	PROPN
fsr-3463	55	39	&	&	CCONJ
fsr-3463	55	40	piggott	piggott	PROPN
fsr-3463	55	41	,	,	PUNCT
fsr-3463	55	42	2008	2008	NUM
fsr-3463	55	43	;	;	PUNCT
fsr-3463	55	44	yaari	yaari	PROPN
fsr-3463	55	45	,	,	PUNCT
fsr-3463	55	46	1965	1965	NUM
fsr-3463	55	47	)	)	PUNCT
fsr-3463	55	48	.	.	PUNCT
fsr-3463	56	1	this	this	PRON
fsr-3463	56	2	is	be	AUX
fsr-3463	56	3	because	because	SCONJ
fsr-3463	56	4	annuitized	annuitize	VERB
fsr-3463	56	5	wealth	wealth	NOUN
fsr-3463	56	6	is	be	AUX
fsr-3463	56	7	not	not	PART
fsr-3463	56	8	bequeathable	bequeathable	ADJ
fsr-3463	56	9	(	(	PUNCT
fsr-3463	56	10	lockwood	lockwood	PROPN
fsr-3463	56	11	,	,	PUNCT
fsr-3463	56	12	2018	2018	NUM
fsr-3463	56	13	)	)	PUNCT
fsr-3463	56	14	.	.	PUNCT
fsr-3463	57	1	annuity	annuity	NOUN
fsr-3463	57	2	benefits	benefit	NOUN
fsr-3463	57	3	end	end	VERB
fsr-3463	57	4	at	at	ADP
fsr-3463	57	5	the	the	DET
fsr-3463	57	6	death	death	NOUN
fsr-3463	57	7	of	of	ADP
fsr-3463	57	8	the	the	DET
fsr-3463	57	9	annuitant	annuitant	NOUN
fsr-3463	57	10	.	.	PUNCT
fsr-3463	58	1	2.2.1	2.2.1	NUM
fsr-3463	58	2	.	.	PUNCT
fsr-3463	59	1	the	the	DET
fsr-3463	59	2	economics	economic	NOUN
fsr-3463	59	3	of	of	ADP
fsr-3463	59	4	annuities	annuity	NOUN
fsr-3463	59	5	as	as	ADP
fsr-3463	59	6	bequest	bequest	NOUN
fsr-3463	59	7	protection	protection	NOUN
fsr-3463	59	8	as	as	ADP
fsr-3463	59	9	yaari	yaari	PROPN
fsr-3463	59	10	(	(	PUNCT
fsr-3463	59	11	1965	1965	NUM
fsr-3463	59	12	)	)	PUNCT
fsr-3463	59	13	pointed	point	VERB
fsr-3463	59	14	out	out	ADP
fsr-3463	59	15	,	,	PUNCT
fsr-3463	59	16	although	although	SCONJ
fsr-3463	59	17	a	a	DET
fsr-3463	59	18	bequest	bequest	NOUN
fsr-3463	59	19	motive	motive	NOUN
fsr-3463	59	20	might	might	AUX
fsr-3463	59	21	prevent	prevent	VERB
fsr-3463	59	22	annuitization	annuitization	NOUN
fsr-3463	59	23	of	of	ADP
fsr-3463	59	24	all	all	DET
fsr-3463	59	25	assets	asset	NOUN
fsr-3463	59	26	,	,	PUNCT
fsr-3463	59	27	it	it	PRON
fsr-3463	59	28	should	should	AUX
fsr-3463	59	29	not	not	PART
fsr-3463	59	30	prevent	prevent	VERB
fsr-3463	59	31	annuitization	annuitization	NOUN
fsr-3463	59	32	of	of	ADP
fsr-3463	59	33	any	any	DET
fsr-3463	59	34	assets	asset	NOUN
fsr-3463	59	35	,	,	PUNCT
fsr-3463	59	36	that	that	ADV
fsr-3463	59	37	is	is	ADV
fsr-3463	59	38	,	,	PUNCT
fsr-3463	59	39	partial	partial	ADJ
fsr-3463	59	40	annuitization	annuitization	NOUN
fsr-3463	59	41	.	.	PUNCT
fsr-3463	60	1	longevity	longevity	NOUN
fsr-3463	60	2	risk	risk	NOUN
fsr-3463	60	3	can	can	AUX
fsr-3463	60	4	result	result	VERB
fsr-3463	60	5	in	in	ADP
fsr-3463	60	6	all	all	DET
fsr-3463	60	7	assets	asset	NOUN
fsr-3463	60	8	being	be	AUX
fsr-3463	60	9	completely	completely	ADV
fsr-3463	60	10	exhausted	exhausted	ADJ
fsr-3463	60	11	due	due	ADP
fsr-3463	60	12	to	to	ADP
fsr-3463	60	13	living	living	NOUN
fsr-3463	60	14	expenses	expense	NOUN
fsr-3463	60	15	incurred	incur	VERB
fsr-3463	60	16	during	during	ADP
fsr-3463	60	17	an	an	DET
fsr-3463	60	18	exceptionally	exceptionally	ADV
fsr-3463	60	19	long	long	ADJ
fsr-3463	60	20	life	life	NOUN
fsr-3463	60	21	.	.	PUNCT
fsr-3463	61	1	this	this	PRON
fsr-3463	61	2	would	would	AUX
fsr-3463	61	3	result	result	VERB
fsr-3463	61	4	in	in	ADP
fsr-3463	61	5	the	the	DET
fsr-3463	61	6	elimination	elimination	NOUN
fsr-3463	61	7	of	of	ADP
fsr-3463	61	8	any	any	DET
fsr-3463	61	9	intended	intended	ADJ
fsr-3463	61	10	bequest	bequest	NOUN
fsr-3463	61	11	.	.	PUNCT
fsr-3463	62	1	annuitization	annuitization	NOUN
fsr-3463	62	2	can	can	AUX
fsr-3463	62	3	protect	protect	VERB
fsr-3463	62	4	against	against	ADP
fsr-3463	62	5	this	this	DET
fsr-3463	62	6	risk	risk	NOUN
fsr-3463	62	7	.	.	PUNCT
fsr-3463	63	1	as	as	ADP
fsr-3463	63	2	davidoff	davidoff	PROPN
fsr-3463	63	3	et	et	PROPN
fsr-3463	63	4	al	al	PROPN
fsr-3463	63	5	.	.	PROPN
fsr-3463	64	1	(	(	PUNCT
fsr-3463	64	2	2005	2005	NUM
fsr-3463	64	3	,	,	PUNCT
fsr-3463	64	4	1589	1589	NUM
fsr-3463	64	5	)	)	PUNCT
fsr-3463	64	6	explain	explain	VERB
fsr-3463	64	7	,	,	PUNCT
fsr-3463	64	8	“	"	PUNCT
fsr-3463	64	9	partial	partial	ADJ
fsr-3463	64	10	annuitization	annuitization	NOUN
fsr-3463	64	11	can	can	AUX
fsr-3463	64	12	reduce	reduce	VERB
fsr-3463	64	13	the	the	DET
fsr-3463	64	14	variation	variation	NOUN
fsr-3463	64	15	in	in	ADP
fsr-3463	64	16	the	the	DET
fsr-3463	64	17	bequest	bequest	NOUN
fsr-3463	64	18	.	.	PUNCT
fsr-3463	64	19	”	"	PUNCT
fsr-3463	65	1	thus	thus	ADV
fsr-3463	65	2	,	,	PUNCT
fsr-3463	65	3	partial	partial	ADJ
fsr-3463	65	4	annuitization	annuitization	NOUN
fsr-3463	65	5	should	should	AUX
fsr-3463	65	6	be	be	AUX
fsr-3463	65	7	attractive	attractive	ADJ
fsr-3463	65	8	to	to	ADP
fsr-3463	65	9	people	people	NOUN
fsr-3463	65	10	who	who	PRON
fsr-3463	65	11	have	have	VERB
fsr-3463	65	12	a	a	DET
fsr-3463	65	13	bequest	bequ	ADJ
fsr-3463	65	14	motive	motive	NOUN
fsr-3463	65	15	(	(	PUNCT
fsr-3463	65	16	davidoff	davidoff	PROPN
fsr-3463	65	17	et	et	PROPN
fsr-3463	65	18	al	al	PROPN
fsr-3463	65	19	.	.	PROPN
fsr-3463	65	20	,	,	PUNCT
fsr-3463	65	21	2005	2005	NUM
fsr-3463	65	22	)	)	PUNCT
fsr-3463	65	23	.	.	PUNCT
fsr-3463	66	1	those	those	PRON
fsr-3463	66	2	with	with	ADP
fsr-3463	66	3	a	a	DET
fsr-3463	66	4	bequest	bequest	NOUN
fsr-3463	66	5	motive	motive	NOUN
fsr-3463	66	6	should	should	AUX
fsr-3463	66	7	hold	hold	VERB
fsr-3463	66	8	a	a	DET
fsr-3463	66	9	portfolio	portfolio	NOUN
fsr-3463	66	10	which	which	PRON
fsr-3463	66	11	combines	combine	VERB
fsr-3463	66	12	annuity	annuity	NOUN
fsr-3463	66	13	wealth	wealth	NOUN
fsr-3463	66	14	and	and	CCONJ
fsr-3463	66	15	bequeathable	bequeathable	ADJ
fsr-3463	66	16	wealth	wealth	NOUN
fsr-3463	66	17	to	to	PART
fsr-3463	66	18	maximize	maximize	VERB
fsr-3463	66	19	the	the	DET
fsr-3463	66	20	marginal	marginal	ADJ
fsr-3463	66	21	utility	utility	NOUN
fsr-3463	66	22	of	of	ADP
fsr-3463	66	23	both	both	DET
fsr-3463	66	24	bequests	bequest	NOUN
fsr-3463	66	25	and	and	CCONJ
fsr-3463	66	26	consumption	consumption	NOUN
fsr-3463	66	27	(	(	PUNCT
fsr-3463	66	28	yaari	yaari	PROPN
fsr-3463	66	29	,	,	PUNCT
fsr-3463	66	30	1965	1965	NUM
fsr-3463	66	31	)	)	PUNCT
fsr-3463	66	32	.	.	PUNCT
fsr-3463	67	1	although	although	SCONJ
fsr-3463	67	2	theoretically	theoretically	ADV
fsr-3463	67	3	sound	sound	ADJ
fsr-3463	67	4	,	,	PUNCT
fsr-3463	67	5	this	this	DET
fsr-3463	67	6	concept	concept	NOUN
fsr-3463	67	7	may	may	AUX
fsr-3463	67	8	be	be	AUX
fsr-3463	67	9	sufficiently	sufficiently	ADV
fsr-3463	67	10	complex	complex	ADJ
fsr-3463	67	11	such	such	ADJ
fsr-3463	67	12	as	as	ADP
fsr-3463	67	13	to	to	PART
fsr-3463	67	14	require	require	VERB
fsr-3463	67	15	explanation	explanation	NOUN
fsr-3463	67	16	for	for	ADP
fsr-3463	67	17	a	a	DET
fsr-3463	67	18	lay	lay	NOUN
fsr-3463	67	19	audience	audience	NOUN
fsr-3463	67	20	.	.	PUNCT
fsr-3463	68	1	financial	financial	ADJ
fsr-3463	68	2	advisors	advisor	NOUN
fsr-3463	68	3	may	may	AUX
fsr-3463	68	4	be	be	AUX
fsr-3463	68	5	able	able	ADJ
fsr-3463	68	6	to	to	PART
fsr-3463	68	7	bridge	bridge	VERB
fsr-3463	68	8	this	this	DET
fsr-3463	68	9	complexity	complexity	NOUN
fsr-3463	68	10	gap	gap	NOUN
fsr-3463	68	11	between	between	ADP
fsr-3463	68	12	economic	economic	ADJ
fsr-3463	68	13	theory	theory	NOUN
fsr-3463	68	14	and	and	CCONJ
fsr-3463	68	15	practical	practical	ADJ
fsr-3463	68	16	advice	advice	NOUN
fsr-3463	68	17	by	by	ADP
fsr-3463	68	18	framing	frame	VERB
fsr-3463	68	19	the	the	DET
fsr-3463	68	20	annuity	annuity	NOUN
fsr-3463	68	21	as	as	ADP
fsr-3463	68	22	a	a	DET
fsr-3463	68	23	way	way	NOUN
fsr-3463	68	24	to	to	PART
fsr-3463	68	25	protect	protect	VERB
fsr-3463	68	26	the	the	DET
fsr-3463	68	27	heirs	heir	NOUN
fsr-3463	68	28	’	'	PUNCT
fsr-3463	68	29	inheritance	inheritance	NOUN
fsr-3463	68	30	.	.	PUNCT
fsr-3463	69	1	y.	y.	PROPN
fsr-3463	69	2	yan	yan	PROPN
fsr-3463	70	1	and	and	CCONJ
fsr-3463	70	2	r.	r.	PROPN
fsr-3463	70	3	n.	n.	PROPN
fsr-3463	70	4	james	james	PROPN
fsr-3463	70	5	/	/	SYM
fsr-3463	70	6	financial	financial	ADJ
fsr-3463	70	7	services	service	NOUN
fsr-3463	70	8	review	review	VERB
fsr-3463	70	9	29	29	NUM
fsr-3463	70	10	(	(	PUNCT
fsr-3463	70	11	2021	2021	NUM
fsr-3463	70	12	)	)	PUNCT
fsr-3463	71	1	277–291	277–291	NUM
fsr-3463	71	2	279	279	NUM
fsr-3463	71	3	2.2.2	2.2.2	NUM
fsr-3463	71	4	.	.	PUNCT
fsr-3463	72	1	framing	frame	VERB
fsr-3463	72	2	in	in	ADP
fsr-3463	72	3	behavioral	behavioral	ADJ
fsr-3463	72	4	finance	finance	NOUN
fsr-3463	72	5	frame	frame	NOUN
fsr-3463	72	6	dependence	dependence	NOUN
fsr-3463	72	7	references	reference	VERB
fsr-3463	72	8	circumstances	circumstance	NOUN
fsr-3463	72	9	in	in	ADP
fsr-3463	72	10	which	which	PRON
fsr-3463	72	11	people	people	NOUN
fsr-3463	72	12	tend	tend	VERB
fsr-3463	72	13	to	to	PART
fsr-3463	72	14	make	make	VERB
fsr-3463	72	15	different	different	ADJ
fsr-3463	72	16	choices	choice	NOUN
fsr-3463	72	17	as	as	ADP
fsr-3463	72	18	the	the	DET
fsr-3463	72	19	result	result	NOUN
fsr-3463	72	20	of	of	ADP
fsr-3463	72	21	changes	change	NOUN
fsr-3463	72	22	in	in	ADP
fsr-3463	72	23	phrasing	phrasing	NOUN
fsr-3463	72	24	or	or	CCONJ
fsr-3463	72	25	comparison	comparison	NOUN
fsr-3463	72	26	salience	salience	NOUN
fsr-3463	72	27	,	,	PUNCT
fsr-3463	72	28	even	even	ADV
fsr-3463	72	29	though	though	SCONJ
fsr-3463	72	30	the	the	DET
fsr-3463	72	31	relevant	relevant	ADJ
fsr-3463	72	32	objective	objective	ADJ
fsr-3463	72	33	facts	fact	NOUN
fsr-3463	72	34	remain	remain	VERB
fsr-3463	72	35	the	the	DET
fsr-3463	72	36	same	same	ADJ
fsr-3463	72	37	(	(	PUNCT
fsr-3463	72	38	baker	baker	PROPN
fsr-3463	72	39	&	&	CCONJ
fsr-3463	72	40	nofsinger	nofsinger	PROPN
fsr-3463	72	41	,	,	PUNCT
fsr-3463	72	42	2010	2010	NUM
fsr-3463	72	43	)	)	PUNCT
fsr-3463	72	44	.	.	PUNCT
fsr-3463	73	1	in	in	ADP
fsr-3463	73	2	behavioral	behavioral	ADJ
fsr-3463	73	3	finance	finance	NOUN
fsr-3463	73	4	,	,	PUNCT
fsr-3463	73	5	examples	example	NOUN
fsr-3463	73	6	of	of	ADP
fsr-3463	73	7	such	such	ADJ
fsr-3463	73	8	effects	effect	NOUN
fsr-3463	73	9	include	include	VERB
fsr-3463	73	10	gain	gain	NOUN
fsr-3463	73	11	/	/	SYM
fsr-3463	73	12	loss	loss	NOUN
fsr-3463	73	13	framing	framing	NOUN
fsr-3463	73	14	(	(	PUNCT
fsr-3463	73	15	kahneman	kahneman	NOUN
fsr-3463	73	16	,	,	PUNCT
fsr-3463	73	17	knetsch	knetsch	PROPN
fsr-3463	73	18	,	,	PUNCT
fsr-3463	73	19	&	&	CCONJ
fsr-3463	73	20	thaler	thaler	NOUN
fsr-3463	73	21	,	,	PUNCT
fsr-3463	73	22	1991	1991	NUM
fsr-3463	73	23	)	)	PUNCT
fsr-3463	73	24	,	,	PUNCT
fsr-3463	73	25	narrow	narrow	ADJ
fsr-3463	73	26	/	/	SYM
fsr-3463	73	27	broad	broad	ADJ
fsr-3463	73	28	framing	framing	NOUN
fsr-3463	73	29	(	(	PUNCT
fsr-3463	73	30	barberis	barberis	PROPN
fsr-3463	73	31	,	,	PUNCT
fsr-3463	73	32	huang	huang	PROPN
fsr-3463	73	33	,	,	PUNCT
fsr-3463	73	34	&	&	CCONJ
fsr-3463	73	35	thaler	thaler	PROPN
fsr-3463	73	36	,	,	PUNCT
fsr-3463	73	37	2006	2006	NUM
fsr-3463	73	38	)	)	PUNCT
fsr-3463	73	39	,	,	PUNCT
fsr-3463	73	40	mental	mental	ADJ
fsr-3463	73	41	accounting	accounting	NOUN
fsr-3463	73	42	(	(	PUNCT
fsr-3463	73	43	thaler	thaler	NOUN
fsr-3463	73	44	,	,	PUNCT
fsr-3463	73	45	1985	1985	NUM
fsr-3463	73	46	)	)	PUNCT
fsr-3463	73	47	,	,	PUNCT
fsr-3463	73	48	and	and	CCONJ
fsr-3463	73	49	many	many	ADJ
fsr-3463	73	50	others	other	NOUN
fsr-3463	73	51	(	(	PUNCT
fsr-3463	73	52	baker	baker	PROPN
fsr-3463	73	53	&	&	CCONJ
fsr-3463	73	54	nofsinger	nofsinger	PROPN
fsr-3463	73	55	,	,	PUNCT
fsr-3463	73	56	2010	2010	NUM
fsr-3463	73	57	)	)	PUNCT
fsr-3463	73	58	.	.	PUNCT
fsr-3463	74	1	past	past	ADJ
fsr-3463	74	2	experiments	experiment	NOUN
fsr-3463	74	3	have	have	AUX
fsr-3463	74	4	shown	show	VERB
fsr-3463	74	5	that	that	SCONJ
fsr-3463	74	6	framing	framing	NOUN
fsr-3463	74	7	can	can	AUX
fsr-3463	74	8	influence	influence	VERB
fsr-3463	74	9	decisions	decision	NOUN
fsr-3463	74	10	in	in	ADP
fsr-3463	74	11	retirement	retirement	NOUN
fsr-3463	74	12	planning	planning	NOUN
fsr-3463	74	13	in	in	ADP
fsr-3463	74	14	general	general	ADJ
fsr-3463	74	15	(	(	PUNCT
fsr-3463	74	16	choi	choi	PROPN
fsr-3463	74	17	et	et	PROPN
fsr-3463	74	18	al	al	PROPN
fsr-3463	74	19	.	.	PROPN
fsr-3463	74	20	,	,	PUNCT
fsr-3463	74	21	2004	2004	NUM
fsr-3463	74	22	)	)	PUNCT
fsr-3463	74	23	and	and	CCONJ
fsr-3463	74	24	annuity	annuity	NOUN
fsr-3463	74	25	decisions	decision	NOUN
fsr-3463	74	26	in	in	ADP
fsr-3463	74	27	particular	particular	ADJ
fsr-3463	74	28	(	(	PUNCT
fsr-3463	74	29	agnew	agnew	PROPN
fsr-3463	74	30	et	et	PROPN
fsr-3463	74	31	al	al	PROPN
fsr-3463	74	32	.	.	PROPN
fsr-3463	74	33	,	,	PUNCT
fsr-3463	74	34	2008	2008	NUM
fsr-3463	74	35	;	;	PUNCT
fsr-3463	74	36	salisbury	salisbury	PROPN
fsr-3463	74	37	&	&	CCONJ
fsr-3463	74	38	nenkov	nenkov	PROPN
fsr-3463	74	39	,	,	PUNCT
fsr-3463	74	40	2016	2016	NUM
fsr-3463	74	41	)	)	PUNCT
fsr-3463	74	42	.	.	PUNCT
fsr-3463	75	1	for	for	ADP
fsr-3463	75	2	example	example	NOUN
fsr-3463	75	3	,	,	PUNCT
fsr-3463	75	4	salisbury	salisbury	PROPN
fsr-3463	75	5	and	and	CCONJ
fsr-3463	75	6	nenkov	nenkov	PROPN
fsr-3463	75	7	(	(	PUNCT
fsr-3463	75	8	2016	2016	NUM
fsr-3463	75	9	)	)	PUNCT
fsr-3463	75	10	found	find	VERB
fsr-3463	75	11	that	that	SCONJ
fsr-3463	75	12	people	people	NOUN
fsr-3463	75	13	were	be	AUX
fsr-3463	75	14	more	more	ADV
fsr-3463	75	15	interested	interested	ADJ
fsr-3463	75	16	in	in	ADP
fsr-3463	75	17	purchasing	purchase	VERB
fsr-3463	75	18	annuities	annuity	NOUN
fsr-3463	75	19	described	describe	VERB
fsr-3463	75	20	with	with	ADP
fsr-3463	75	21	life	life	NOUN
fsr-3463	75	22	words	word	NOUN
fsr-3463	75	23	than	than	ADP
fsr-3463	75	24	identical	identical	ADJ
fsr-3463	75	25	annuities	annuity	NOUN
fsr-3463	75	26	described	describe	VERB
fsr-3463	75	27	with	with	ADP
fsr-3463	75	28	“	"	PUNCT
fsr-3463	75	29	death	death	NOUN
fsr-3463	75	30	”	"	PUNCT
fsr-3463	75	31	words	word	NOUN
fsr-3463	75	32	.	.	PUNCT
fsr-3463	76	1	agnew	agnew	PROPN
fsr-3463	76	2	et	et	PROPN
fsr-3463	76	3	al	al	PROPN
fsr-3463	76	4	.	.	PROPN
fsr-3463	77	1	(	(	PUNCT
fsr-3463	77	2	2008	2008	NUM
fsr-3463	77	3	)	)	PUNCT
fsr-3463	77	4	found	find	VERB
fsr-3463	77	5	that	that	SCONJ
fsr-3463	77	6	annuities	annuity	NOUN
fsr-3463	77	7	became	become	VERB
fsr-3463	77	8	more	more	ADV
fsr-3463	77	9	attractive	attractive	ADJ
fsr-3463	77	10	when	when	SCONJ
fsr-3463	77	11	alternative	alternative	ADJ
fsr-3463	77	12	investments	investment	NOUN
fsr-3463	77	13	were	be	AUX
fsr-3463	77	14	framed	frame	VERB
fsr-3463	77	15	negatively	negatively	ADV
fsr-3463	77	16	.	.	PUNCT
fsr-3463	78	1	after	after	ADP
fsr-3463	78	2	reviewing	review	VERB
fsr-3463	78	3	evidence	evidence	NOUN
fsr-3463	78	4	of	of	ADP
fsr-3463	78	5	the	the	DET
fsr-3463	78	6	annuity	annuity	NOUN
fsr-3463	78	7	puzzle	puzzle	NOUN
fsr-3463	78	8	,	,	PUNCT
fsr-3463	78	9	brown	brown	ADJ
fsr-3463	78	10	(	(	PUNCT
fsr-3463	78	11	2007	2007	NUM
fsr-3463	78	12	)	)	PUNCT
fsr-3463	78	13	recommends	recommend	VERB
fsr-3463	78	14	that	that	SCONJ
fsr-3463	78	15	future	future	ADJ
fsr-3463	78	16	annuity	annuity	NOUN
fsr-3463	78	17	research	research	NOUN
fsr-3463	78	18	should	should	AUX
fsr-3463	78	19	focus	focus	VERB
fsr-3463	78	20	more	more	ADV
fsr-3463	78	21	on	on	ADP
fsr-3463	78	22	such	such	ADJ
fsr-3463	78	23	behavioral	behavioral	ADJ
fsr-3463	78	24	explanations	explanation	NOUN
fsr-3463	78	25	.	.	PUNCT
fsr-3463	79	1	2.2.3	2.2.3	X
fsr-3463	79	2	.	.	PUNCT
fsr-3463	80	1	the	the	DET
fsr-3463	80	2	psychology	psychology	NOUN
fsr-3463	80	3	of	of	ADP
fsr-3463	80	4	annuities	annuity	NOUN
fsr-3463	80	5	as	as	ADP
fsr-3463	80	6	bequest	bequest	NOUN
fsr-3463	80	7	protection	protection	NOUN
fsr-3463	80	8	another	another	DET
fsr-3463	80	9	argument	argument	NOUN
fsr-3463	80	10	for	for	ADP
fsr-3463	80	11	the	the	DET
fsr-3463	80	12	potential	potential	ADJ
fsr-3463	80	13	power	power	NOUN
fsr-3463	80	14	of	of	ADP
fsr-3463	80	15	bequest	bequest	NOUN
fsr-3463	80	16	protection	protection	NOUN
fsr-3463	80	17	framing	frame	VERB
fsr-3463	80	18	for	for	ADP
fsr-3463	80	19	annuities	annuity	NOUN
fsr-3463	80	20	comes	come	VERB
fsr-3463	80	21	from	from	ADP
fsr-3463	80	22	past	past	ADJ
fsr-3463	80	23	research	research	NOUN
fsr-3463	80	24	connecting	connect	VERB
fsr-3463	80	25	annuities	annuity	NOUN
fsr-3463	80	26	and	and	CCONJ
fsr-3463	80	27	personal	personal	ADJ
fsr-3463	80	28	mortality	mortality	NOUN
fsr-3463	80	29	salience	salience	NOUN
fsr-3463	80	30	.	.	PUNCT
fsr-3463	81	1	terror	terror	NOUN
fsr-3463	81	2	management	management	NOUN
fsr-3463	81	3	theory	theory	NOUN
fsr-3463	81	4	,	,	PUNCT
fsr-3463	81	5	as	as	ADV
fsr-3463	81	6	well	well	ADV
fsr-3463	81	7	as	as	ADP
fsr-3463	81	8	a	a	DET
fsr-3463	81	9	parallel	parallel	ADJ
fsr-3463	81	10	utility	utility	NOUN
fsr-3463	81	11	maximization	maximization	NOUN
fsr-3463	81	12	economic	economic	ADJ
fsr-3463	81	13	model	model	NOUN
fsr-3463	81	14	(	(	PUNCT
fsr-3463	81	15	james	james	PROPN
fsr-3463	81	16	,	,	PUNCT
fsr-3463	81	17	2016	2016	NUM
fsr-3463	81	18	)	)	PUNCT
fsr-3463	81	19	,	,	PUNCT
fsr-3463	81	20	predict	predict	VERB
fsr-3463	81	21	that	that	SCONJ
fsr-3463	81	22	personal	personal	ADJ
fsr-3463	81	23	mortality	mortality	NOUN
fsr-3463	81	24	salience	salience	NOUN
fsr-3463	81	25	(	(	PUNCT
fsr-3463	81	26	such	such	ADJ
fsr-3463	81	27	as	as	ADP
fsr-3463	81	28	that	that	PRON
fsr-3463	81	29	triggered	trigger	VERB
fsr-3463	81	30	by	by	ADP
fsr-3463	81	31	death	death	NOUN
fsr-3463	81	32	reminders	reminder	NOUN
fsr-3463	81	33	)	)	PUNCT
fsr-3463	81	34	will	will	AUX
fsr-3463	81	35	generate	generate	VERB
fsr-3463	81	36	two	two	NUM
fsr-3463	81	37	responses	response	NOUN
fsr-3463	81	38	:	:	PUNCT
fsr-3463	81	39	avoidance	avoidance	NOUN
fsr-3463	81	40	and	and	CCONJ
fsr-3463	81	41	pursuit	pursuit	NOUN
fsr-3463	81	42	of	of	ADP
fsr-3463	81	43	lasting	last	VERB
fsr-3463	81	44	social	social	ADJ
fsr-3463	81	45	impact	impact	NOUN
fsr-3463	81	46	(	(	PUNCT
fsr-3463	81	47	a.k.a	a.k.a	INTJ
fsr-3463	81	48	.	.	ADJ
fsr-3463	81	49	,	,	PUNCT
fsr-3463	81	50	symbolic	symbolic	ADJ
fsr-3463	81	51	immortality	immortality	NOUN
fsr-3463	81	52	;	;	PUNCT
fsr-3463	81	53	pyszczynski	pyszczynski	NOUN
fsr-3463	81	54	,	,	PUNCT
fsr-3463	81	55	greenberg	greenberg	PROPN
fsr-3463	81	56	&	&	CCONJ
fsr-3463	81	57	solomon	solomon	PROPN
fsr-3463	81	58	,	,	PUNCT
fsr-3463	81	59	1999	1999	NUM
fsr-3463	81	60	)	)	PUNCT
fsr-3463	81	61	.	.	PUNCT
fsr-3463	82	1	salisbury	salisbury	PROPN
fsr-3463	82	2	and	and	CCONJ
fsr-3463	82	3	nenkov	nenkov	PROPN
fsr-3463	82	4	(	(	PUNCT
fsr-3463	82	5	2016	2016	NUM
fsr-3463	82	6	)	)	PUNCT
fsr-3463	82	7	identified	identify	VERB
fsr-3463	82	8	that	that	SCONJ
fsr-3463	82	9	annuities	annuity	NOUN
fsr-3463	82	10	,	,	PUNCT
fsr-3463	82	11	which	which	PRON
fsr-3463	82	12	can	can	AUX
fsr-3463	82	13	be	be	AUX
fsr-3463	82	14	thought	think	VERB
fsr-3463	82	15	of	of	ADP
fsr-3463	82	16	as	as	ADP
fsr-3463	82	17	a	a	DET
fsr-3463	82	18	bet	bet	NOUN
fsr-3463	82	19	on	on	ADP
fsr-3463	82	20	one	one	NUM
fsr-3463	82	21	’s	’s	PART
fsr-3463	82	22	own	own	ADJ
fsr-3463	82	23	mortality	mortality	NOUN
fsr-3463	82	24	timing	timing	NOUN
fsr-3463	82	25	,	,	PUNCT
fsr-3463	82	26	do	do	AUX
fsr-3463	82	27	indeed	indeed	ADV
fsr-3463	82	28	serve	serve	VERB
fsr-3463	82	29	as	as	ADP
fsr-3463	82	30	a	a	DET
fsr-3463	82	31	death	death	NOUN
fsr-3463	82	32	reminder	reminder	NOUN
fsr-3463	82	33	that	that	SCONJ
fsr-3463	82	34	triggers	trigger	VERB
fsr-3463	82	35	mortality	mortality	NOUN
fsr-3463	82	36	salience	salience	NOUN
fsr-3463	82	37	.	.	PUNCT
fsr-3463	83	1	the	the	DET
fsr-3463	83	2	avoidance	avoidance	NOUN
fsr-3463	83	3	response	response	NOUN
fsr-3463	83	4	will	will	AUX
fsr-3463	83	5	tend	tend	VERB
fsr-3463	83	6	to	to	PART
fsr-3463	83	7	reduce	reduce	VERB
fsr-3463	83	8	interest	interest	NOUN
fsr-3463	83	9	in	in	ADP
fsr-3463	83	10	annuities	annuity	NOUN
fsr-3463	83	11	,	,	PUNCT
fsr-3463	83	12	simply	simply	ADV
fsr-3463	83	13	because	because	SCONJ
fsr-3463	83	14	they	they	PRON
fsr-3463	83	15	are	be	AUX
fsr-3463	83	16	a	a	DET
fsr-3463	83	17	death	death	NOUN
fsr-3463	83	18	reminder	reminder	NOUN
fsr-3463	83	19	.	.	PUNCT
fsr-3463	84	1	fitting	fit	VERB
fsr-3463	84	2	with	with	ADP
fsr-3463	84	3	this	this	DET
fsr-3463	84	4	response	response	NOUN
fsr-3463	84	5	,	,	PUNCT
fsr-3463	84	6	salisbury	salisbury	PROPN
fsr-3463	84	7	and	and	CCONJ
fsr-3463	84	8	nenkov	nenkov	PROPN
fsr-3463	84	9	(	(	PUNCT
fsr-3463	84	10	2016	2016	NUM
fsr-3463	84	11	)	)	PUNCT
fsr-3463	84	12	found	find	VERB
fsr-3463	84	13	that	that	SCONJ
fsr-3463	84	14	people	people	NOUN
fsr-3463	84	15	were	be	AUX
fsr-3463	84	16	more	more	ADV
fsr-3463	84	17	interested	interested	ADJ
fsr-3463	84	18	in	in	ADP
fsr-3463	84	19	purchasing	purchase	VERB
fsr-3463	84	20	annuities	annuity	NOUN
fsr-3463	84	21	described	describe	VERB
fsr-3463	84	22	as	as	ADP
fsr-3463	84	23	paying	pay	VERB
fsr-3463	84	24	“	"	PUNCT
fsr-3463	84	25	if	if	SCONJ
fsr-3463	84	26	the	the	DET
fsr-3463	84	27	annuity	annuity	NOUN
fsr-3463	84	28	holder	holder	NOUN
fsr-3463	84	29	lives	live	VERB
fsr-3463	84	30	up	up	ADP
fsr-3463	84	31	to	to	ADP
fsr-3463	84	32	different	different	ADJ
fsr-3463	84	33	ages	age	NOUN
fsr-3463	84	34	”	"	PUNCT
fsr-3463	84	35	(	(	PUNCT
fsr-3463	84	36	life	life	NOUN
fsr-3463	84	37	framing	framing	NOUN
fsr-3463	84	38	)	)	PUNCT
fsr-3463	84	39	than	than	ADP
fsr-3463	84	40	in	in	ADP
fsr-3463	84	41	purchasing	purchase	VERB
fsr-3463	84	42	annuities	annuity	NOUN
fsr-3463	84	43	described	describe	VERB
fsr-3463	84	44	as	as	ADP
fsr-3463	84	45	paying	pay	VERB
fsr-3463	84	46	“	"	PUNCT
fsr-3463	84	47	depending	depend	VERB
fsr-3463	84	48	on	on	ADP
fsr-3463	84	49	the	the	DET
fsr-3463	84	50	age	age	NOUN
fsr-3463	84	51	when	when	SCONJ
fsr-3463	84	52	the	the	DET
fsr-3463	84	53	annuity	annuity	NOUN
fsr-3463	84	54	holder	holder	NOUN
fsr-3463	84	55	dies	die	VERB
fsr-3463	84	56	”	"	PUNCT
fsr-3463	84	57	(	(	PUNCT
fsr-3463	84	58	death	death	NOUN
fsr-3463	84	59	framing	framing	NOUN
fsr-3463	84	60	;	;	PUNCT
fsr-3463	84	61	salisbury	salisbury	PROPN
fsr-3463	84	62	&	&	CCONJ
fsr-3463	84	63	nenkov	nenkov	PROPN
fsr-3463	84	64	,	,	PUNCT
fsr-3463	84	65	2016	2016	NUM
fsr-3463	84	66	,	,	PUNCT
fsr-3463	84	67	p.	p.	NOUN
fsr-3463	84	68	423	423	NUM
fsr-3463	84	69	)	)	PUNCT
fsr-3463	84	70	.	.	PUNCT
fsr-3463	85	1	however	however	ADV
fsr-3463	85	2	,	,	PUNCT
fsr-3463	85	3	the	the	DET
fsr-3463	85	4	resistance	resistance	NOUN
fsr-3463	85	5	to	to	ADP
fsr-3463	85	6	annuities	annuity	NOUN
fsr-3463	85	7	goes	go	VERB
fsr-3463	85	8	beyond	beyond	ADP
fsr-3463	85	9	simple	simple	ADJ
fsr-3463	85	10	avoidance	avoidance	NOUN
fsr-3463	85	11	of	of	ADP
fsr-3463	85	12	a	a	DET
fsr-3463	85	13	death	death	NOUN
fsr-3463	85	14	reminder	reminder	NOUN
fsr-3463	85	15	.	.	PUNCT
fsr-3463	86	1	the	the	DET
fsr-3463	86	2	second	second	ADJ
fsr-3463	86	3	response	response	NOUN
fsr-3463	86	4	to	to	ADP
fsr-3463	86	5	mortality	mortality	NOUN
fsr-3463	86	6	reminders	reminder	NOUN
fsr-3463	86	7	predicted	predict	VERB
fsr-3463	86	8	by	by	ADP
fsr-3463	86	9	theory	theory	NOUN
fsr-3463	86	10	is	be	AUX
fsr-3463	86	11	pursuit	pursuit	NOUN
fsr-3463	86	12	of	of	ADP
fsr-3463	86	13	lasting	last	VERB
fsr-3463	86	14	social	social	ADJ
fsr-3463	86	15	impact	impact	NOUN
fsr-3463	86	16	(	(	PUNCT
fsr-3463	86	17	a.k.a	a.k.a	INTJ
fsr-3463	86	18	.	.	PROPN
fsr-3463	86	19	,	,	PUNCT
fsr-3463	86	20	“	"	PUNCT
fsr-3463	86	21	symbolic	symbolic	ADJ
fsr-3463	86	22	immortality	immortality	NOUN
fsr-3463	86	23	”	"	PUNCT
fsr-3463	86	24	)	)	PUNCT
fsr-3463	86	25	.	.	PUNCT
fsr-3463	87	1	this	this	PRON
fsr-3463	87	2	is	be	AUX
fsr-3463	87	3	the	the	DET
fsr-3463	87	4	idea	idea	NOUN
fsr-3463	87	5	that	that	SCONJ
fsr-3463	87	6	although	although	SCONJ
fsr-3463	87	7	a	a	DET
fsr-3463	87	8	person	person	NOUN
fsr-3463	87	9	will	will	AUX
fsr-3463	87	10	die	die	VERB
fsr-3463	87	11	,	,	PUNCT
fsr-3463	87	12	some	some	DET
fsr-3463	87	13	part	part	NOUN
fsr-3463	87	14	of	of	ADP
fsr-3463	87	15	them	they	PRON
fsr-3463	87	16	—	—	PUNCT
fsr-3463	87	17	their	their	PRON
fsr-3463	87	18	name	name	NOUN
fsr-3463	87	19	,	,	PUNCT
fsr-3463	87	20	family	family	NOUN
fsr-3463	87	21	,	,	PUNCT
fsr-3463	87	22	community	community	NOUN
fsr-3463	87	23	,	,	PUNCT
fsr-3463	87	24	values	value	NOUN
fsr-3463	87	25	,	,	PUNCT
fsr-3463	87	26	and	and	CCONJ
fsr-3463	87	27	so	so	ADV
fsr-3463	87	28	forth	forth	ADV
fsr-3463	87	29	—	—	PUNCT
fsr-3463	87	30	will	will	AUX
fsr-3463	87	31	live	live	VERB
fsr-3463	87	32	on	on	ADP
fsr-3463	87	33	.	.	PUNCT
fsr-3463	88	1	a	a	DET
fsr-3463	88	2	bequest	bequest	NOUN
fsr-3463	88	3	motive	motive	NOUN
fsr-3463	88	4	can	can	AUX
fsr-3463	88	5	be	be	AUX
fsr-3463	88	6	the	the	DET
fsr-3463	88	7	financial	financial	ADJ
fsr-3463	88	8	expression	expression	NOUN
fsr-3463	88	9	of	of	ADP
fsr-3463	88	10	this	this	DET
fsr-3463	88	11	psychological	psychological	ADJ
fsr-3463	88	12	desire	desire	NOUN
fsr-3463	88	13	.	.	PUNCT
fsr-3463	89	1	thus	thus	ADV
fsr-3463	89	2	,	,	PUNCT
fsr-3463	89	3	annuities	annuity	NOUN
fsr-3463	89	4	serve	serve	VERB
fsr-3463	89	5	as	as	ADP
fsr-3463	89	6	a	a	DET
fsr-3463	89	7	death	death	NOUN
fsr-3463	89	8	reminder	reminder	NOUN
fsr-3463	89	9	,	,	PUNCT
fsr-3463	89	10	increasing	increase	VERB
fsr-3463	89	11	the	the	DET
fsr-3463	89	12	motivation	motivation	NOUN
fsr-3463	89	13	to	to	PART
fsr-3463	89	14	leave	leave	VERB
fsr-3463	89	15	a	a	DET
fsr-3463	89	16	bequest	bequest	NOUN
fsr-3463	89	17	,	,	PUNCT
fsr-3463	89	18	but	but	CCONJ
fsr-3463	89	19	simultaneously	simultaneously	ADV
fsr-3463	89	20	offer	offer	VERB
fsr-3463	89	21	a	a	DET
fsr-3463	89	22	financial	financial	ADJ
fsr-3463	89	23	benefit	benefit	NOUN
fsr-3463	89	24	that	that	PRON
fsr-3463	89	25	disappears	disappear	VERB
fsr-3463	89	26	at	at	ADP
fsr-3463	89	27	death	death	NOUN
fsr-3463	89	28	.	.	PUNCT
fsr-3463	90	1	confirming	confirm	VERB
fsr-3463	90	2	this	this	DET
fsr-3463	90	3	idea	idea	NOUN
fsr-3463	90	4	,	,	PUNCT
fsr-3463	90	5	williams	williams	PROPN
fsr-3463	90	6	and	and	CCONJ
fsr-3463	90	7	james	james	PROPN
fsr-3463	90	8	(	(	PUNCT
fsr-3463	90	9	2019	2019	NUM
fsr-3463	90	10	)	)	PUNCT
fsr-3463	90	11	found	find	VERB
fsr-3463	90	12	that	that	SCONJ
fsr-3463	90	13	higher	high	ADJ
fsr-3463	90	14	levels	level	NOUN
fsr-3463	90	15	of	of	ADP
fsr-3463	90	16	personal	personal	ADJ
fsr-3463	90	17	mortality	mortality	NOUN
fsr-3463	90	18	reminders	reminder	NOUN
fsr-3463	90	19	generate	generate	VERB
fsr-3463	90	20	a	a	DET
fsr-3463	90	21	greater	great	ADJ
fsr-3463	90	22	preference	preference	NOUN
fsr-3463	90	23	for	for	ADP
fsr-3463	90	24	an	an	DET
fsr-3463	90	25	annuity	annuity	NOUN
fsr-3463	90	26	paying	pay	VERB
fsr-3463	90	27	lower	low	ADJ
fsr-3463	90	28	income	income	NOUN
fsr-3463	90	29	but	but	CCONJ
fsr-3463	90	30	with	with	ADP
fsr-3463	90	31	a	a	DET
fsr-3463	90	32	bequest	bequ	ADJ
fsr-3463	90	33	provision	provision	NOUN
fsr-3463	90	34	—	—	PUNCT
fsr-3463	90	35	a	a	DET
fsr-3463	90	36	form	form	NOUN
fsr-3463	90	37	of	of	ADP
fsr-3463	90	38	life	life	NOUN
fsr-3463	90	39	insurance	insurance	NOUN
fsr-3463	90	40	.	.	PUNCT
fsr-3463	91	1	such	such	ADJ
fsr-3463	91	2	product	product	NOUN
fsr-3463	91	3	combinations	combination	NOUN
fsr-3463	91	4	(	(	PUNCT
fsr-3463	91	5	life	life	NOUN
fsr-3463	91	6	annuity	annuity	NOUN
fsr-3463	91	7	plus	plus	CCONJ
fsr-3463	91	8	survivor	survivor	NOUN
fsr-3463	91	9	bequest	bequest	NOUN
fsr-3463	91	10	benefits	benefit	NOUN
fsr-3463	91	11	)	)	PUNCT
fsr-3463	91	12	“	"	PUNCT
fsr-3463	91	13	solve	solve	VERB
fsr-3463	91	14	”	"	PUNCT
fsr-3463	91	15	the	the	DET
fsr-3463	91	16	desire	desire	NOUN
fsr-3463	91	17	for	for	ADP
fsr-3463	91	18	bequests	bequest	NOUN
fsr-3463	91	19	.	.	PUNCT
fsr-3463	92	1	and	and	CCONJ
fsr-3463	92	2	indeed	indeed	ADV
fsr-3463	92	3	,	,	PUNCT
fsr-3463	92	4	lockwood	lockwood	PROPN
fsr-3463	92	5	(	(	PUNCT
fsr-3463	92	6	2012	2012	NUM
fsr-3463	92	7	)	)	PUNCT
fsr-3463	92	8	estimates	estimate	VERB
fsr-3463	92	9	that	that	SCONJ
fsr-3463	92	10	about	about	ADV
fsr-3463	92	11	three	three	NUM
fsr-3463	92	12	-	-	PUNCT
fsr-3463	92	13	fourths	fourth	NOUN
fsr-3463	92	14	of	of	ADP
fsr-3463	92	15	commercial	commercial	ADJ
fsr-3463	92	16	annuities	annuity	NOUN
fsr-3463	92	17	owned	own	VERB
fsr-3463	92	18	by	by	ADP
fsr-3463	92	19	recent	recent	ADJ
fsr-3463	92	20	retirees	retiree	NOUN
fsr-3463	92	21	have	have	VERB
fsr-3463	92	22	some	some	DET
fsr-3463	92	23	provision	provision	NOUN
fsr-3463	92	24	that	that	PRON
fsr-3463	92	25	passes	pass	VERB
fsr-3463	92	26	money	money	NOUN
fsr-3463	92	27	to	to	ADP
fsr-3463	92	28	heirs	heir	NOUN
fsr-3463	92	29	after	after	ADP
fsr-3463	92	30	death	death	NOUN
fsr-3463	92	31	.	.	PUNCT
fsr-3463	93	1	however	however	ADV
fsr-3463	93	2	,	,	PUNCT
fsr-3463	93	3	these	these	DET
fsr-3463	93	4	product	product	NOUN
fsr-3463	93	5	combinations	combination	NOUN
fsr-3463	93	6	may	may	AUX
fsr-3463	93	7	not	not	PART
fsr-3463	93	8	be	be	AUX
fsr-3463	93	9	optimal	optimal	ADJ
fsr-3463	93	10	for	for	ADP
fsr-3463	93	11	financial	financial	ADJ
fsr-3463	93	12	outcomes	outcome	NOUN
fsr-3463	93	13	.	.	PUNCT
fsr-3463	94	1	the	the	DET
fsr-3463	94	2	need	need	NOUN
fsr-3463	94	3	to	to	PART
fsr-3463	94	4	protect	protect	VERB
fsr-3463	94	5	against	against	ADP
fsr-3463	94	6	longer	long	ADV
fsr-3463	94	7	than	than	SCONJ
fsr-3463	94	8	expected	expect	VERB
fsr-3463	94	9	life	life	NOUN
fsr-3463	94	10	span	span	NOUN
fsr-3463	94	11	(	(	PUNCT
fsr-3463	94	12	annuity	annuity	NOUN
fsr-3463	94	13	benefits	benefit	NOUN
fsr-3463	94	14	)	)	PUNCT
fsr-3463	94	15	need	need	AUX
fsr-3463	94	16	not	not	PART
fsr-3463	94	17	be	be	AUX
fsr-3463	94	18	280	280	NUM
fsr-3463	94	19	y.	y.	PROPN
fsr-3463	94	20	yan	yan	PROPN
fsr-3463	94	21	and	and	CCONJ
fsr-3463	94	22	r.	r.	PROPN
fsr-3463	94	23	n.	n.	PROPN
fsr-3463	94	24	james	james	PROPN
fsr-3463	94	25	/	/	SYM
fsr-3463	94	26	financial	financial	ADJ
fsr-3463	94	27	services	service	NOUN
fsr-3463	94	28	review	review	VERB
fsr-3463	94	29	29	29	NUM
fsr-3463	94	30	(	(	PUNCT
fsr-3463	94	31	2021	2021	NUM
fsr-3463	94	32	)	)	PUNCT
fsr-3463	95	1	277–291	277–291	NUM
fsr-3463	95	2	accompanied	accompany	VERB
fsr-3463	95	3	by	by	ADP
fsr-3463	95	4	a	a	DET
fsr-3463	95	5	need	need	NOUN
fsr-3463	95	6	to	to	PART
fsr-3463	95	7	protect	protect	VERB
fsr-3463	95	8	against	against	ADP
fsr-3463	95	9	shorter	short	ADJ
fsr-3463	95	10	than	than	SCONJ
fsr-3463	95	11	expected	expect	VERB
fsr-3463	95	12	life	life	NOUN
fsr-3463	95	13	span	span	NOUN
fsr-3463	95	14	(	(	PUNCT
fsr-3463	95	15	life	life	NOUN
fsr-3463	95	16	insurance	insurance	NOUN
fsr-3463	95	17	benefits	benefit	NOUN
fsr-3463	95	18	)	)	PUNCT
fsr-3463	95	19	.	.	PUNCT
fsr-3463	96	1	the	the	DET
fsr-3463	96	2	current	current	ADJ
fsr-3463	96	3	experiment	experiment	NOUN
fsr-3463	96	4	tests	test	VERB
fsr-3463	96	5	an	an	DET
fsr-3463	96	6	alternative	alternative	ADJ
fsr-3463	96	7	approach	approach	NOUN
fsr-3463	96	8	.	.	PUNCT
fsr-3463	97	1	rather	rather	ADV
fsr-3463	97	2	than	than	ADP
fsr-3463	97	3	coupling	couple	VERB
fsr-3463	97	4	the	the	DET
fsr-3463	97	5	annuity	annuity	NOUN
fsr-3463	97	6	with	with	ADP
fsr-3463	97	7	financial	financial	ADJ
fsr-3463	97	8	products	product	NOUN
fsr-3463	97	9	offering	offer	VERB
fsr-3463	97	10	actual	actual	ADJ
fsr-3463	97	11	bequest	bequest	NOUN
fsr-3463	97	12	benefits	benefit	NOUN
fsr-3463	97	13	,	,	PUNCT
fsr-3463	97	14	partial	partial	ADJ
fsr-3463	97	15	annuitization	annuitization	NOUN
fsr-3463	97	16	is	be	AUX
fsr-3463	97	17	simply	simply	ADV
fsr-3463	97	18	verbally	verbally	ADV
fsr-3463	97	19	framed	frame	VERB
fsr-3463	97	20	as	as	ADP
fsr-3463	97	21	a	a	DET
fsr-3463	97	22	form	form	NOUN
fsr-3463	97	23	of	of	ADP
fsr-3463	97	24	bequest	bequest	NOUN
fsr-3463	97	25	protection	protection	NOUN
fsr-3463	97	26	.	.	PUNCT
fsr-3463	98	1	if	if	SCONJ
fsr-3463	98	2	effective	effective	ADJ
fsr-3463	98	3	,	,	PUNCT
fsr-3463	98	4	this	this	DET
fsr-3463	98	5	approach	approach	NOUN
fsr-3463	98	6	would	would	AUX
fsr-3463	98	7	provide	provide	VERB
fsr-3463	98	8	the	the	DET
fsr-3463	98	9	opportunity	opportunity	NOUN
fsr-3463	98	10	to	to	PART
fsr-3463	98	11	communicate	communicate	VERB
fsr-3463	98	12	the	the	DET
fsr-3463	98	13	benefits	benefit	NOUN
fsr-3463	98	14	of	of	ADP
fsr-3463	98	15	a	a	DET
fsr-3463	98	16	life	life	NOUN
fsr-3463	98	17	annuity	annuity	NOUN
fsr-3463	98	18	in	in	ADP
fsr-3463	98	19	a	a	DET
fsr-3463	98	20	way	way	NOUN
fsr-3463	98	21	that	that	PRON
fsr-3463	98	22	matches	match	VERB
fsr-3463	98	23	underlying	underlie	VERB
fsr-3463	98	24	psychological	psychological	ADJ
fsr-3463	98	25	mechanisms	mechanism	NOUN
fsr-3463	98	26	,	,	PUNCT
fsr-3463	98	27	but	but	CCONJ
fsr-3463	98	28	without	without	ADP
fsr-3463	98	29	the	the	DET
fsr-3463	98	30	need	need	NOUN
fsr-3463	98	31	to	to	PART
fsr-3463	98	32	combine	combine	VERB
fsr-3463	98	33	it	it	PRON
fsr-3463	98	34	with	with	ADP
fsr-3463	98	35	other	other	ADJ
fsr-3463	98	36	,	,	PUNCT
fsr-3463	98	37	potentially	potentially	ADV
fsr-3463	98	38	unnecessary	unnecessary	ADJ
fsr-3463	98	39	,	,	PUNCT
fsr-3463	98	40	financial	financial	ADJ
fsr-3463	98	41	products	product	NOUN
fsr-3463	98	42	.	.	PUNCT
fsr-3463	99	1	2.3	2.3	NUM
fsr-3463	99	2	.	.	PUNCT
fsr-3463	100	1	hypotheses	hypothesis	NOUN
fsr-3463	100	2	hypothesis	hypothesis	NOUN
fsr-3463	100	3	1	1	NUM
fsr-3463	100	4	:	:	PUNCT
fsr-3463	100	5	framing	frame	VERB
fsr-3463	100	6	an	an	DET
fsr-3463	100	7	annuity	annuity	NOUN
fsr-3463	100	8	as	as	ADP
fsr-3463	100	9	a	a	DET
fsr-3463	100	10	protection	protection	NOUN
fsr-3463	100	11	for	for	ADP
fsr-3463	100	12	bequest	bequest	NOUN
fsr-3463	100	13	goals	goal	NOUN
fsr-3463	100	14	will	will	AUX
fsr-3463	100	15	increase	increase	VERB
fsr-3463	100	16	individuals	individual	NOUN
fsr-3463	100	17	’	’	PART
fsr-3463	100	18	interest	interest	NOUN
fsr-3463	100	19	in	in	ADP
fsr-3463	100	20	using	use	VERB
fsr-3463	100	21	an	an	DET
fsr-3463	100	22	annuity	annuity	NOUN
fsr-3463	100	23	in	in	ADP
fsr-3463	100	24	retirement	retirement	NOUN
fsr-3463	100	25	.	.	PUNCT
fsr-3463	101	1	hypothesis	hypothesis	NOUN
fsr-3463	101	2	1a	1a	NOUN
fsr-3463	101	3	:	:	PUNCT
fsr-3463	101	4	framing	frame	VERB
fsr-3463	101	5	an	an	DET
fsr-3463	101	6	annuity	annuity	NOUN
fsr-3463	101	7	as	as	ADP
fsr-3463	101	8	a	a	DET
fsr-3463	101	9	protection	protection	NOUN
fsr-3463	101	10	for	for	ADP
fsr-3463	101	11	bequest	bequest	NOUN
fsr-3463	101	12	goals	goal	NOUN
fsr-3463	101	13	will	will	AUX
fsr-3463	101	14	increases	increase	VERB
fsr-3463	101	15	individuals	individual	NOUN
fsr-3463	101	16	’	’	PART
fsr-3463	101	17	interest	interest	NOUN
fsr-3463	101	18	in	in	ADP
fsr-3463	101	19	using	use	VERB
fsr-3463	101	20	an	an	DET
fsr-3463	101	21	annuity	annuity	NOUN
fsr-3463	101	22	in	in	ADP
fsr-3463	101	23	retirement	retirement	NOUN
fsr-3463	101	24	to	to	ADP
fsr-3463	101	25	a	a	DET
fsr-3463	101	26	relatively	relatively	ADV
fsr-3463	101	27	greater	great	ADJ
fsr-3463	101	28	extent	extent	NOUN
fsr-3463	101	29	for	for	ADP
fsr-3463	101	30	those	those	PRON
fsr-3463	101	31	who	who	PRON
fsr-3463	101	32	were	be	AUX
fsr-3463	101	33	relatively	relatively	ADV
fsr-3463	101	34	more	more	ADV
fsr-3463	101	35	focused	focused	ADJ
fsr-3463	101	36	on	on	ADP
fsr-3463	101	37	leaving	leave	VERB
fsr-3463	101	38	wealth	wealth	NOUN
fsr-3463	101	39	to	to	ADP
fsr-3463	101	40	heirs	heir	NOUN
fsr-3463	101	41	(	(	PUNCT
fsr-3463	101	42	i.e.	i.e.	X
fsr-3463	101	43	,	,	PUNCT
fsr-3463	101	44	who	who	PRON
fsr-3463	101	45	had	have	AUX
fsr-3463	101	46	expressed	express	VERB
fsr-3463	101	47	a	a	DET
fsr-3463	101	48	stronger	strong	ADJ
fsr-3463	101	49	bequest	bequest	NOUN
fsr-3463	101	50	motive	motive	NOUN
fsr-3463	101	51	)	)	PUNCT
fsr-3463	101	52	.	.	PUNCT
fsr-3463	102	1	hypothesis	hypothesis	NOUN
fsr-3463	102	2	1	1	NUM
fsr-3463	102	3	predicts	predict	VERB
fsr-3463	102	4	that	that	SCONJ
fsr-3463	102	5	framing	frame	VERB
fsr-3463	102	6	partial	partial	ADJ
fsr-3463	102	7	annuitization	annuitization	NOUN
fsr-3463	102	8	as	as	ADP
fsr-3463	102	9	protecting	protect	VERB
fsr-3463	102	10	an	an	DET
fsr-3463	102	11	inheritance	inheritance	NOUN
fsr-3463	102	12	for	for	ADP
fsr-3463	102	13	heirs	heir	NOUN
fsr-3463	102	14	will	will	AUX
fsr-3463	102	15	increase	increase	VERB
fsr-3463	102	16	interest	interest	NOUN
fsr-3463	102	17	in	in	ADP
fsr-3463	102	18	using	use	VERB
fsr-3463	102	19	an	an	DET
fsr-3463	102	20	annuity	annuity	NOUN
fsr-3463	102	21	in	in	ADP
fsr-3463	102	22	retirement	retirement	NOUN
fsr-3463	102	23	.	.	PUNCT
fsr-3463	103	1	hypothesis	hypothesis	NOUN
fsr-3463	103	2	1a	1a	PROPN
fsr-3463	103	3	predicts	predict	VERB
fsr-3463	103	4	that	that	SCONJ
fsr-3463	103	5	the	the	DET
fsr-3463	103	6	effect	effect	NOUN
fsr-3463	103	7	of	of	ADP
fsr-3463	103	8	this	this	DET
fsr-3463	103	9	framing	framing	NOUN
fsr-3463	103	10	will	will	AUX
fsr-3463	103	11	be	be	AUX
fsr-3463	103	12	more	more	ADV
fsr-3463	103	13	powerful	powerful	ADJ
fsr-3463	103	14	on	on	ADP
fsr-3463	103	15	those	those	PRON
fsr-3463	103	16	who	who	PRON
fsr-3463	103	17	have	have	AUX
fsr-3463	103	18	expressed	express	VERB
fsr-3463	103	19	a	a	DET
fsr-3463	103	20	relatively	relatively	ADV
fsr-3463	103	21	greater	great	ADJ
fsr-3463	103	22	bequest	bequest	NOUN
fsr-3463	103	23	motive	motive	NOUN
fsr-3463	103	24	.	.	PUNCT
fsr-3463	104	1	those	those	PRON
fsr-3463	104	2	who	who	PRON
fsr-3463	104	3	have	have	AUX
fsr-3463	104	4	expressed	express	VERB
fsr-3463	104	5	a	a	DET
fsr-3463	104	6	relatively	relatively	ADV
fsr-3463	104	7	greater	great	ADJ
fsr-3463	104	8	focus	focus	NOUN
fsr-3463	104	9	on	on	ADP
fsr-3463	104	10	leaving	leave	VERB
fsr-3463	104	11	wealth	wealth	NOUN
fsr-3463	104	12	to	to	ADP
fsr-3463	104	13	heirs	heir	NOUN
fsr-3463	104	14	should	should	AUX
fsr-3463	104	15	logically	logically	ADV
fsr-3463	104	16	be	be	AUX
fsr-3463	104	17	particularly	particularly	ADV
fsr-3463	104	18	influenced	influence	VERB
fsr-3463	104	19	by	by	ADP
fsr-3463	104	20	this	this	DET
fsr-3463	104	21	framing	framing	NOUN
fsr-3463	104	22	.	.	PUNCT
fsr-3463	105	1	finding	find	VERB
fsr-3463	105	2	this	this	PRON
fsr-3463	105	3	to	to	PART
fsr-3463	105	4	be	be	AUX
fsr-3463	105	5	true	true	ADJ
fsr-3463	105	6	would	would	AUX
fsr-3463	105	7	also	also	ADV
fsr-3463	105	8	lend	lend	VERB
fsr-3463	105	9	support	support	NOUN
fsr-3463	105	10	to	to	ADP
fsr-3463	105	11	the	the	DET
fsr-3463	105	12	idea	idea	NOUN
fsr-3463	105	13	that	that	PRON
fsr-3463	105	14	increased	increase	VERB
fsr-3463	105	15	interest	interest	NOUN
fsr-3463	105	16	resulting	result	VERB
fsr-3463	105	17	from	from	ADP
fsr-3463	105	18	framing	frame	VERB
fsr-3463	105	19	the	the	DET
fsr-3463	105	20	annuity	annuity	NOUN
fsr-3463	105	21	as	as	SCONJ
fsr-3463	105	22	bequest	bequest	NOUN
fsr-3463	105	23	protection	protection	NOUN
fsr-3463	105	24	was	be	AUX
fsr-3463	105	25	arising	arise	VERB
fsr-3463	105	26	through	through	ADP
fsr-3463	105	27	the	the	DET
fsr-3463	105	28	proposed	propose	VERB
fsr-3463	105	29	mechanisms	mechanism	NOUN
fsr-3463	105	30	,	,	PUNCT
fsr-3463	105	31	rather	rather	ADV
fsr-3463	105	32	than	than	ADP
fsr-3463	105	33	,	,	PUNCT
fsr-3463	105	34	for	for	ADP
fsr-3463	105	35	example	example	NOUN
fsr-3463	105	36	,	,	PUNCT
fsr-3463	105	37	simply	simply	ADV
fsr-3463	105	38	through	through	ADP
fsr-3463	105	39	generalized	generalized	ADJ
fsr-3463	105	40	experimenter	experimenter	NOUN
fsr-3463	105	41	demand	demand	NOUN
fsr-3463	105	42	(	(	PUNCT
fsr-3463	105	43	zizzo	zizzo	PROPN
fsr-3463	105	44	,	,	PUNCT
fsr-3463	105	45	2010	2010	NUM
fsr-3463	105	46	)	)	PUNCT
fsr-3463	105	47	.	.	PUNCT
fsr-3463	106	1	in	in	ADP
fsr-3463	106	2	other	other	ADJ
fsr-3463	106	3	words	word	NOUN
fsr-3463	106	4	,	,	PUNCT
fsr-3463	106	5	the	the	DET
fsr-3463	106	6	effect	effect	NOUN
fsr-3463	106	7	of	of	ADP
fsr-3463	106	8	the	the	DET
fsr-3463	106	9	framing	framing	NOUN
fsr-3463	106	10	would	would	AUX
fsr-3463	106	11	not	not	PART
fsr-3463	106	12	be	be	AUX
fsr-3463	106	13	due	due	ADJ
fsr-3463	106	14	solely	solely	ADV
fsr-3463	106	15	to	to	ADP
fsr-3463	106	16	respondents	respondent	NOUN
fsr-3463	106	17	changing	change	VERB
fsr-3463	106	18	their	their	PRON
fsr-3463	106	19	response	response	NOUN
fsr-3463	106	20	to	to	PART
fsr-3463	106	21	match	match	VERB
fsr-3463	106	22	what	what	PRON
fsr-3463	106	23	they	they	PRON
fsr-3463	106	24	believe	believe	VERB
fsr-3463	106	25	to	to	PART
fsr-3463	106	26	be	be	AUX
fsr-3463	106	27	the	the	DET
fsr-3463	106	28	answer	answer	NOUN
fsr-3463	106	29	desired	desire	VERB
fsr-3463	106	30	by	by	ADP
fsr-3463	106	31	the	the	DET
fsr-3463	106	32	experimenters	experimenter	NOUN
fsr-3463	106	33	,	,	PUNCT
fsr-3463	106	34	but	but	CCONJ
fsr-3463	106	35	would	would	AUX
fsr-3463	106	36	actually	actually	ADV
fsr-3463	106	37	relate	relate	VERB
fsr-3463	106	38	to	to	ADP
fsr-3463	106	39	the	the	DET
fsr-3463	106	40	respondent	respondent	NOUN
fsr-3463	106	41	’s	’s	PART
fsr-3463	106	42	underlying	underlie	VERB
fsr-3463	106	43	bequest	bequest	NOUN
fsr-3463	106	44	motive	motive	NOUN
fsr-3463	106	45	.	.	PUNCT
fsr-3463	107	1	3	3	X
fsr-3463	107	2	.	.	X
fsr-3463	107	3	data	datum	NOUN
fsr-3463	107	4	and	and	CCONJ
fsr-3463	107	5	results	result	VERB
fsr-3463	107	6	3.1	3.1	NUM
fsr-3463	107	7	.	.	PUNCT
fsr-3463	108	1	sample	sample	NOUN
fsr-3463	108	2	participants	participant	NOUN
fsr-3463	108	3	were	be	AUX
fsr-3463	108	4	recruited	recruit	VERB
fsr-3463	108	5	from	from	ADP
fsr-3463	108	6	adults	adult	NOUN
fsr-3463	108	7	in	in	ADP
fsr-3463	108	8	the	the	DET
fsr-3463	108	9	united	united	PROPN
fsr-3463	108	10	states	states	PROPN
fsr-3463	108	11	via	via	ADP
fsr-3463	108	12	amazon	amazon	PROPN
fsr-3463	108	13	’s	’s	PART
fsr-3463	108	14	mechanical	mechanical	ADJ
fsr-3463	108	15	turk	turk	PROPN
fsr-3463	108	16	(	(	PUNCT
fsr-3463	108	17	mturk	mturk	PROPN
fsr-3463	108	18	)	)	PUNCT
fsr-3463	108	19	platform	platform	NOUN
fsr-3463	108	20	with	with	ADP
fsr-3463	108	21	the	the	DET
fsr-3463	108	22	headline	headline	NOUN
fsr-3463	108	23	description	description	NOUN
fsr-3463	108	24	“	"	PUNCT
fsr-3463	108	25	university	university	NOUN
fsr-3463	108	26	survey	survey	NOUN
fsr-3463	108	27	of	of	ADP
fsr-3463	108	28	opinions	opinion	NOUN
fsr-3463	108	29	on	on	ADP
fsr-3463	108	30	retirement	retirement	NOUN
fsr-3463	108	31	planning	planning	NOUN
fsr-3463	108	32	.	.	PUNCT
fsr-3463	108	33	”	"	PUNCT
fsr-3463	109	1	clicking	click	VERB
fsr-3463	109	2	on	on	ADP
fsr-3463	109	3	this	this	PRON
fsr-3463	109	4	generated	generate	VERB
fsr-3463	109	5	the	the	DET
fsr-3463	109	6	following	follow	VERB
fsr-3463	109	7	description	description	NOUN
fsr-3463	109	8	,	,	PUNCT
fsr-3463	109	9	“	"	PUNCT
fsr-3463	109	10	survey	survey	NOUN
fsr-3463	109	11	of	of	ADP
fsr-3463	109	12	retirement	retirement	NOUN
fsr-3463	109	13	planning	planning	NOUN
fsr-3463	109	14	opinions	opinion	NOUN
fsr-3463	109	15	.	.	PUNCT
fsr-3463	110	1	we	we	PRON
fsr-3463	110	2	are	be	AUX
fsr-3463	110	3	conducting	conduct	VERB
fsr-3463	110	4	an	an	DET
fsr-3463	110	5	academic	academic	ADJ
fsr-3463	110	6	survey	survey	NOUN
fsr-3463	110	7	about	about	ADP
fsr-3463	110	8	opinions	opinion	NOUN
fsr-3463	110	9	on	on	ADP
fsr-3463	110	10	retirement	retirement	NOUN
fsr-3463	110	11	planning	planning	NOUN
fsr-3463	110	12	options	option	NOUN
fsr-3463	110	13	.	.	PUNCT
fsr-3463	111	1	this	this	PRON
fsr-3463	111	2	takes	take	VERB
fsr-3463	111	3	around	around	ADV
fsr-3463	111	4	10	10	NUM
fsr-3463	111	5	minutes	minute	NOUN
fsr-3463	111	6	(	(	PUNCT
fsr-3463	111	7	includes	include	VERB
fsr-3463	111	8	minimum	minimum	ADJ
fsr-3463	111	9	timed	time	VERB
fsr-3463	111	10	responses	response	NOUN
fsr-3463	111	11	and	and	CCONJ
fsr-3463	111	12	written	write	VERB
fsr-3463	111	13	text	text	NOUN
fsr-3463	111	14	requirements	requirement	NOUN
fsr-3463	111	15	)	)	PUNCT
fsr-3463	111	16	and	and	CCONJ
fsr-3463	111	17	it	it	PRON
fsr-3463	111	18	is	be	AUX
fsr-3463	111	19	intended	intend	VERB
fsr-3463	111	20	to	to	PART
fsr-3463	111	21	advance	advance	VERB
fsr-3463	111	22	research	research	NOUN
fsr-3463	111	23	about	about	ADP
fsr-3463	111	24	people	people	NOUN
fsr-3463	111	25	and	and	CCONJ
fsr-3463	111	26	their	their	PRON
fsr-3463	111	27	retirement	retirement	NOUN
fsr-3463	111	28	planning	planning	NOUN
fsr-3463	111	29	,	,	PUNCT
fsr-3463	111	30	so	so	ADV
fsr-3463	111	31	please	please	INTJ
fsr-3463	111	32	make	make	VERB
fsr-3463	111	33	sure	sure	ADJ
fsr-3463	111	34	you	you	PRON
fsr-3463	111	35	can	can	AUX
fsr-3463	111	36	commit	commit	VERB
fsr-3463	111	37	the	the	DET
fsr-3463	111	38	time	time	NOUN
fsr-3463	111	39	.	.	PUNCT
fsr-3463	112	1	at	at	ADP
fsr-3463	112	2	the	the	DET
fsr-3463	112	3	end	end	NOUN
fsr-3463	112	4	of	of	ADP
fsr-3463	112	5	the	the	DET
fsr-3463	112	6	survey	survey	NOUN
fsr-3463	112	7	,	,	PUNCT
fsr-3463	112	8	you	you	PRON
fsr-3463	112	9	will	will	AUX
fsr-3463	112	10	receive	receive	VERB
fsr-3463	112	11	a	a	DET
fsr-3463	112	12	unique	unique	ADJ
fsr-3463	112	13	‘	'	PUNCT
fsr-3463	112	14	completion	completion	NOUN
fsr-3463	112	15	code	code	NOUN
fsr-3463	112	16	’	'	PUNCT
fsr-3463	112	17	to	to	PART
fsr-3463	112	18	paste	paste	VERB
fsr-3463	112	19	into	into	ADP
fsr-3463	112	20	the	the	DET
fsr-3463	112	21	box	box	NOUN
fsr-3463	112	22	below	below	ADV
fsr-3463	112	23	to	to	PART
fsr-3463	112	24	receive	receive	VERB
fsr-3463	112	25	credit	credit	NOUN
fsr-3463	112	26	for	for	ADP
fsr-3463	112	27	taking	take	VERB
fsr-3463	112	28	our	our	PRON
fsr-3463	112	29	survey	survey	NOUN
fsr-3463	112	30	.	.	PUNCT
fsr-3463	112	31	”	"	PUNCT
fsr-3463	113	1	there	there	PRON
fsr-3463	113	2	were	be	VERB
fsr-3463	113	3	2,206	2,206	NUM
fsr-3463	113	4	respondents	respondent	NOUN
fsr-3463	113	5	who	who	PRON
fsr-3463	113	6	participated	participate	VERB
fsr-3463	113	7	in	in	ADP
fsr-3463	113	8	the	the	DET
fsr-3463	113	9	survey	survey	NOUN
fsr-3463	113	10	on	on	ADP
fsr-3463	113	11	october	october	PROPN
fsr-3463	113	12	18	18	NUM
fsr-3463	113	13	,	,	PUNCT
fsr-3463	113	14	2019	2019	NUM
fsr-3463	113	15	with	with	ADP
fsr-3463	113	16	2,160	2,160	NUM
fsr-3463	113	17	responding	respond	VERB
fsr-3463	113	18	to	to	ADP
fsr-3463	113	19	all	all	DET
fsr-3463	113	20	questions	question	NOUN
fsr-3463	113	21	used	use	VERB
fsr-3463	113	22	in	in	ADP
fsr-3463	113	23	the	the	DET
fsr-3463	113	24	following	follow	VERB
fsr-3463	113	25	analyses	analysis	NOUN
fsr-3463	113	26	.	.	PUNCT
fsr-3463	114	1	the	the	DET
fsr-3463	114	2	study	study	NOUN
fsr-3463	114	3	was	be	AUX
fsr-3463	114	4	approved	approve	VERB
fsr-3463	114	5	by	by	ADP
fsr-3463	114	6	y.	y.	PROPN
fsr-3463	114	7	yan	yan	PROPN
fsr-3463	114	8	and	and	CCONJ
fsr-3463	114	9	r.	r.	PROPN
fsr-3463	114	10	n.	n.	PROPN
fsr-3463	114	11	james	james	PROPN
fsr-3463	114	12	/	/	SYM
fsr-3463	114	13	financial	financial	ADJ
fsr-3463	114	14	services	service	NOUN
fsr-3463	114	15	review	review	VERB
fsr-3463	114	16	29	29	NUM
fsr-3463	114	17	(	(	PUNCT
fsr-3463	114	18	2021	2021	NUM
fsr-3463	114	19	)	)	PUNCT
fsr-3463	115	1	277–291	277–291	NUM
fsr-3463	115	2	281	281	NUM
fsr-3463	115	3	t	t	PROPN
fsr-3463	115	4	ab	ab	PROPN
fsr-3463	115	5	le	le	PROPN
fsr-3463	115	6	1	1	NUM
fsr-3463	115	7	k	k	NOUN
fsr-3463	115	8	ey	ey	PRON
fsr-3463	115	9	v	v	PROPN
fsr-3463	115	10	ar	ar	PROPN
fsr-3463	115	11	ia	ia	PROPN
fsr-3463	115	12	b	b	PROPN
fsr-3463	115	13	le	le	PROPN
fsr-3463	115	14	s	s	PROPN
fsr-3463	115	15	q	q	X
fsr-3463	115	16	u	u	NOUN
fsr-3463	115	17	es	es	X
fsr-3463	115	18	ti	ti	NOUN
fsr-3463	115	19	o	o	NOUN
fsr-3463	115	20	n	n	ADP
fsr-3463	115	21	te	te	X
fsr-3463	115	22	x	x	SYM
fsr-3463	115	23	t	t	PROPN
fsr-3463	115	24	a	a	DET
fsr-3463	115	25	n	n	CCONJ
fsr-3463	115	26	n	n	ADP
fsr-3463	115	27	u	u	NOUN
fsr-3463	115	28	it	it	PRON
fsr-3463	115	29	y	y	INTJ
fsr-3463	115	30	ch	ch	NOUN
fsr-3463	115	31	an	an	PROPN
fsr-3463	115	32	ce	ce	PROPN
fsr-3463	115	33	(	(	PUNCT
fsr-3463	115	34	p	p	X
fsr-3463	115	35	re	re	ADP
fsr-3463	115	36	an	an	PRON
fsr-3463	115	37	d	d	X
fsr-3463	115	38	p	p	X
fsr-3463	115	39	o	o	X
fsr-3463	115	40	st	st	PROPN
fsr-3463	115	41	)	)	PUNCT
fsr-3463	115	42	i	i	PROPN
fsr-3463	115	43	m	m	VERB
fsr-3463	115	44	ag	ag	PROPN
fsr-3463	115	45	in	in	ADP
fsr-3463	115	46	e	e	PROPN
fsr-3463	115	47	th	th	X
fsr-3463	115	48	at	at	ADP
fsr-3463	115	49	y	y	PROPN
fsr-3463	115	50	o	o	PROPN
fsr-3463	115	51	u	u	PROPN
fsr-3463	115	52	ar	ar	PROPN
fsr-3463	115	53	e	e	PROPN
fsr-3463	115	54	6	6	NUM
fsr-3463	115	55	5	5	NUM
fsr-3463	115	56	y	y	SYM
fsr-3463	115	57	ea	ea	NOUN
fsr-3463	116	1	rs	rs	INTJ
fsr-3463	117	1	o	o	INTJ
fsr-3463	117	2	ld	ld	PROPN
fsr-3463	117	3	an	an	DET
fsr-3463	117	4	d	d	X
fsr-3463	117	5	b	b	PROPN
fsr-3463	117	6	eg	eg	NOUN
fsr-3463	117	7	in	in	ADP
fsr-3463	117	8	n	n	PROPN
fsr-3463	117	9	in	in	ADP
fsr-3463	117	10	g	g	PROPN
fsr-3463	117	11	re	re	X
fsr-3463	117	12	ti	ti	PROPN
fsr-3463	117	13	re	re	VERB
fsr-3463	117	14	m	m	PROPN
fsr-3463	117	15	en	en	X
fsr-3463	117	16	t.	t.	PROPN
fsr-3463	117	17	y	y	PROPN
fsr-3463	118	1	o	o	X
fsr-3463	118	2	u	u	INTJ
fsr-3463	118	3	h	h	NOUN
fsr-3463	118	4	av	av	PROPN
fsr-3463	118	5	e	e	PROPN
fsr-3463	119	1	so	so	ADV
fsr-3463	119	2	m	m	VERB
fsr-3463	119	3	e	e	NOUN
fsr-3463	119	4	re	re	X
fsr-3463	119	5	ti	ti	X
fsr-3463	119	6	re	re	VERB
fsr-3463	119	7	m	m	PROPN
fsr-3463	119	8	en	en	ADP
fsr-3463	119	9	t	t	PROPN
fsr-3463	119	10	sa	sa	X
fsr-3463	119	11	v	v	NOUN
fsr-3463	119	12	in	in	ADP
fsr-3463	119	13	g	g	PROPN
fsr-3463	119	14	s	s	PART
fsr-3463	119	15	th	th	INTJ
fsr-3463	120	1	ro	ro	NOUN
fsr-3463	120	2	u	u	NOUN
fsr-3463	120	3	g	g	PROPN
fsr-3463	120	4	h	h	NOUN
fsr-3463	120	5	y	y	NOUN
fsr-3463	120	6	o	o	NOUN
fsr-3463	120	7	u	u	NOUN
fsr-3463	120	8	r	r	VERB
fsr-3463	120	9	em	em	PRON
fsr-3463	121	1	p	p	X
fsr-3463	121	2	lo	lo	PROPN
fsr-3463	121	3	y	y	PROPN
fsr-3463	121	4	er	er	INTJ
fsr-3463	121	5	re	re	VERB
fsr-3463	121	6	ti	ti	X
fsr-3463	121	7	re	re	VERB
fsr-3463	121	8	m	m	PROPN
fsr-3463	121	9	en	en	ADP
fsr-3463	121	10	t	t	PROPN
fsr-3463	121	11	p	p	PROPN
fsr-3463	121	12	la	la	PROPN
fsr-3463	121	13	n	n	CCONJ
fsr-3463	121	14	an	an	PROPN
fsr-3463	121	15	d	d	X
fsr-3463	121	16	ar	ar	NOUN
fsr-3463	121	17	e	e	PROPN
fsr-3463	121	18	d	d	X
fsr-3463	121	19	ec	ec	PROPN
fsr-3463	121	20	i	i	PROPN
fsr-3463	121	21	d	d	PROPN
fsr-3463	121	22	in	in	ADP
fsr-3463	121	23	g	g	PROPN
fsr-3463	121	24	h	h	NOUN
fsr-3463	121	25	o	o	X
fsr-3463	121	26	w	w	NOUN
fsr-3463	121	27	to	to	ADP
fsr-3463	121	28	m	m	PROPN
fsr-3463	121	29	an	an	DET
fsr-3463	121	30	ag	ag	PROPN
fsr-3463	121	31	e	e	PROPN
fsr-3463	121	32	u	u	NOUN
fsr-3463	121	33	si	si	X
fsr-3463	121	34	n	n	ADV
fsr-3463	121	35	g	g	NOUN
fsr-3463	121	36	th	th	X
fsr-3463	121	37	at	at	ADP
fsr-3463	121	38	m	m	PROPN
fsr-3463	121	39	o	o	NOUN
fsr-3463	121	40	n	n	ADV
fsr-3463	121	41	ey	ey	NOUN
fsr-3463	121	42	in	in	ADP
fsr-3463	121	43	th	th	X
fsr-3463	121	44	e	e	X
fsr-3463	121	45	co	co	NOUN
fsr-3463	121	46	m	m	VERB
fsr-3463	121	47	in	in	ADP
fsr-3463	121	48	g	g	PROPN
fsr-3463	121	49	y	y	PROPN
fsr-3463	121	50	ea	ea	PROPN
fsr-3463	121	51	rs	rs	INTJ
fsr-3463	121	52	.	.	PUNCT
fsr-3463	122	1	y	y	NOUN
fsr-3463	122	2	o	o	PUNCT
fsr-3463	123	1	u	u	INTJ
fsr-3463	123	2	h	h	NOUN
fsr-3463	123	3	av	av	NOUN
fsr-3463	123	4	e	e	X
fsr-3463	123	5	th	th	X
fsr-3463	123	6	e	e	X
fsr-3463	123	7	o	o	X
fsr-3463	123	8	p	p	X
fsr-3463	123	9	ti	ti	X
fsr-3463	123	10	o	o	NOUN
fsr-3463	123	11	n	n	ADP
fsr-3463	123	12	to	to	ADP
fsr-3463	123	13	p	p	X
fsr-3463	123	14	u	u	NOUN
fsr-3463	123	15	t	t	NOUN
fsr-3463	123	16	y	y	NOUN
fsr-3463	123	17	o	o	X
fsr-3463	123	18	u	u	X
fsr-3463	123	19	r	r	NOUN
fsr-3463	123	20	re	re	X
fsr-3463	123	21	ti	ti	X
fsr-3463	123	22	re	re	VERB
fsr-3463	123	23	m	m	PROPN
fsr-3463	123	24	en	en	ADP
fsr-3463	123	25	t	t	PROPN
fsr-3463	123	26	sa	sa	X
fsr-3463	123	27	v	v	NOUN
fsr-3463	123	28	in	in	ADP
fsr-3463	123	29	g	g	PROPN
fsr-3463	123	30	s	s	NOUN
fsr-3463	123	31	in	in	ADP
fsr-3463	123	32	to	to	ADP
fsr-3463	123	33	an	an	DET
fsr-3463	123	34	an	an	PRON
fsr-3463	123	35	n	n	NOUN
fsr-3463	123	36	u	u	NOUN
fsr-3463	123	37	it	it	PRON
fsr-3463	123	38	y	y	NOUN
fsr-3463	123	39	th	th	X
fsr-3463	123	40	at	at	ADP
fsr-3463	123	41	w	w	PROPN
fsr-3463	123	42	il	il	PROPN
fsr-3463	123	43	l	l	PROPN
fsr-3463	123	44	g	g	NOUN
fsr-3463	123	45	iv	iv	ADP
fsr-3463	123	46	e	e	X
fsr-3463	123	47	y	y	NOUN
fsr-3463	123	48	o	o	X
fsr-3463	123	49	u	u	NOUN
fsr-3463	123	50	m	m	NOUN
fsr-3463	123	51	o	o	NOUN
fsr-3463	123	52	n	n	X
fsr-3463	123	53	th	th	X
fsr-3463	123	54	ly	ly	X
fsr-3463	123	55	p	p	PROPN
fsr-3463	123	56	ay	ay	NOUN
fsr-3463	123	57	m	m	NOUN
fsr-3463	123	58	en	en	ADP
fsr-3463	123	59	ts	ts	ADP
fsr-3463	123	60	ea	ea	PROPN
fsr-3463	123	61	ch	ch	PROPN
fsr-3463	123	62	y	y	PROPN
fsr-3463	124	1	ea	ea	PROPN
fsr-3463	124	2	r	r	NOUN
fsr-3463	124	3	y	y	NOUN
fsr-3463	124	4	o	o	X
fsr-3463	124	5	u	u	X
fsr-3463	124	6	li	li	PROPN
fsr-3463	124	7	v	v	PROPN
fsr-3463	124	8	e.	e.	PROPN
fsr-3463	124	9	w	w	PROPN
fsr-3463	124	10	h	h	PROPN
fsr-3463	125	1	en	en	PROPN
fsr-3463	125	2	y	y	PROPN
fsr-3463	125	3	o	o	X
fsr-3463	125	4	u	u	NOUN
fsr-3463	125	5	p	p	NOUN
fsr-3463	125	6	u	u	NOUN
fsr-3463	125	7	t	t	NOUN
fsr-3463	125	8	y	y	NOUN
fsr-3463	125	9	o	o	X
fsr-3463	125	10	u	u	NOUN
fsr-3463	125	11	r	r	NOUN
fsr-3463	125	12	sa	sa	NOUN
fsr-3463	125	13	v	v	NOUN
fsr-3463	125	14	in	in	ADP
fsr-3463	125	15	g	g	PROPN
fsr-3463	125	16	s	s	NOUN
fsr-3463	125	17	in	in	ADP
fsr-3463	125	18	to	to	ADP
fsr-3463	125	19	an	an	DET
fsr-3463	125	20	an	an	PRON
fsr-3463	125	21	n	n	ADP
fsr-3463	125	22	u	u	NOUN
fsr-3463	125	23	it	it	PRON
fsr-3463	125	24	y	y	INTJ
fsr-3463	125	25	,	,	PUNCT
fsr-3463	126	1	y	y	PROPN
fsr-3463	126	2	o	o	X
fsr-3463	126	3	u	u	NOUN
fsr-3463	126	4	p	p	PROPN
fsr-3463	126	5	ay	ay	PROPN
fsr-3463	126	6	a	a	DET
fsr-3463	126	7	lu	lu	NOUN
fsr-3463	126	8	m	m	PROPN
fsr-3463	126	9	p	p	NOUN
fsr-3463	126	10	su	su	PROPN
fsr-3463	126	11	m	m	NOUN
fsr-3463	126	12	o	o	NOUN
fsr-3463	127	1	f	f	X
fsr-3463	127	2	m	m	VERB
fsr-3463	127	3	o	o	NOUN
fsr-3463	127	4	n	n	CCONJ
fsr-3463	127	5	ey	ey	PRON
fsr-3463	127	6	u	u	NOUN
fsr-3463	128	1	p	p	NOUN
fsr-3463	128	2	fr	fr	INTJ
fsr-3463	128	3	o	o	NOUN
fsr-3463	129	1	n	n	PRON
fsr-3463	129	2	t.	t.	NOUN
fsr-3463	130	1	in	in	ADP
fsr-3463	130	2	re	re	PROPN
fsr-3463	130	3	tu	tu	PROPN
fsr-3463	130	4	rn	rn	PROPN
fsr-3463	130	5	fo	fo	INTJ
fsr-3463	130	6	r	r	NOUN
fsr-3463	130	7	th	th	X
fsr-3463	130	8	at	at	ADP
fsr-3463	130	9	lu	lu	PROPN
fsr-3463	130	10	m	m	PROPN
fsr-3463	130	11	p	p	NOUN
fsr-3463	130	12	-s	-s	PUNCT
fsr-3463	130	13	u	u	NOUN
fsr-3463	130	14	m	m	VERB
fsr-3463	130	15	in	in	ADP
fsr-3463	130	16	v	v	NOUN
fsr-3463	130	17	es	es	ADP
fsr-3463	130	18	tm	tm	PROPN
fsr-3463	130	19	en	en	PROPN
fsr-3463	130	20	t	t	PROPN
fsr-3463	130	21	,	,	PUNCT
fsr-3463	130	22	y	y	PROPN
fsr-3463	130	23	o	o	X
fsr-3463	130	24	u	u	X
fsr-3463	130	25	re	re	VERB
fsr-3463	130	26	ce	ce	PROPN
fsr-3463	130	27	iv	iv	NUM
fsr-3463	130	28	e	e	PROPN
fsr-3463	130	29	a	a	X
fsr-3463	130	30	se	se	X
fsr-3463	130	31	ri	ri	PROPN
fsr-3463	130	32	es	es	X
fsr-3463	130	33	o	o	PROPN
fsr-3463	130	34	f	f	X
fsr-3463	130	35	re	re	ADP
fsr-3463	130	36	g	g	PROPN
fsr-3463	130	37	u	u	PROPN
fsr-3463	130	38	la	la	INTJ
fsr-3463	130	39	r	r	NOUN
fsr-3463	130	40	m	m	VERB
fsr-3463	130	41	o	o	NOUN
fsr-3463	130	42	n	n	ADV
fsr-3463	130	43	th	th	X
fsr-3463	130	44	ly	ly	X
fsr-3463	130	45	p	p	PROPN
fsr-3463	130	46	ay	ay	NOUN
fsr-3463	130	47	m	m	NOUN
fsr-3463	130	48	en	en	ADP
fsr-3463	130	49	ts	ts	ADP
fsr-3463	130	50	ea	ea	PROPN
fsr-3463	130	51	ch	ch	PROPN
fsr-3463	130	52	y	y	PROPN
fsr-3463	131	1	ea	ea	PROPN
fsr-3463	132	1	r	r	NOUN
fsr-3463	132	2	y	y	NOUN
fsr-3463	132	3	o	o	X
fsr-3463	132	4	u	u	X
fsr-3463	132	5	li	li	PROPN
fsr-3463	132	6	v	v	PROPN
fsr-3463	132	7	e.	e.	PROPN
fsr-3463	132	8	p	p	PROPN
fsr-3463	132	9	le	le	PROPN
fsr-3463	132	10	as	as	ADP
fsr-3463	132	11	e	e	X
fsr-3463	132	12	ra	ra	PROPN
fsr-3463	132	13	te	te	INTJ
fsr-3463	132	14	th	th	X
fsr-3463	132	15	e	e	X
fsr-3463	132	16	p	p	X
fsr-3463	132	17	er	er	INTJ
fsr-3463	132	18	ce	ce	PROPN
fsr-3463	132	19	n	n	ADV
fsr-3463	132	20	ta	ta	X
fsr-3463	132	21	g	g	PROPN
fsr-3463	132	22	e	e	PROPN
fsr-3463	132	23	li	li	PROPN
fsr-3463	132	24	k	k	PROPN
fsr-3463	132	25	el	el	PROPN
fsr-3463	133	1	ih	ih	PROPN
fsr-3463	134	1	o	o	X
fsr-3463	134	2	o	o	X
fsr-3463	134	3	d	d	X
fsr-3463	134	4	th	th	X
fsr-3463	134	5	at	at	ADP
fsr-3463	134	6	y	y	PROPN
fsr-3463	134	7	o	o	PROPN
fsr-3463	134	8	u	u	INTJ
fsr-3463	134	9	m	m	VERB
fsr-3463	134	10	ig	ig	INTJ
fsr-3463	134	11	h	h	PRON
fsr-3463	134	12	t	t	PROPN
fsr-3463	134	13	co	co	NOUN
fsr-3463	134	14	n	n	PROPN
fsr-3463	134	15	si	si	PROPN
fsr-3463	134	16	d	d	X
fsr-3463	134	17	er	er	INTJ
fsr-3463	134	18	p	p	X
fsr-3463	134	19	u	u	X
fsr-3463	134	20	rc	rc	PROPN
fsr-3463	134	21	h	h	PROPN
fsr-3463	134	22	as	as	ADP
fsr-3463	134	23	in	in	ADP
fsr-3463	134	24	g	g	PROPN
fsr-3463	134	25	an	an	DET
fsr-3463	134	26	an	an	PRON
fsr-3463	134	27	n	n	NOUN
fsr-3463	134	28	u	u	NOUN
fsr-3463	134	29	it	it	PRON
fsr-3463	134	30	y	y	INTJ
fsr-3463	134	31	as	as	ADP
fsr-3463	134	32	p	p	PROPN
fsr-3463	134	33	ar	ar	PROPN
fsr-3463	134	34	t	t	NOUN
fsr-3463	135	1	o	o	X
fsr-3463	135	2	f	f	X
fsr-3463	135	3	y	y	NOUN
fsr-3463	135	4	o	o	X
fsr-3463	135	5	u	u	NOUN
fsr-3463	135	6	r	r	NOUN
fsr-3463	135	7	re	re	X
fsr-3463	135	8	ti	ti	X
fsr-3463	135	9	re	re	VERB
fsr-3463	135	10	m	m	PROPN
fsr-3463	135	11	en	en	ADP
fsr-3463	135	12	t	t	PROPN
fsr-3463	135	13	p	p	PROPN
fsr-3463	135	14	la	la	PROPN
fsr-3463	135	15	n	n	CCONJ
fsr-3463	135	16	n	n	NOUN
fsr-3463	135	17	in	in	ADP
fsr-3463	135	18	g	g	PROPN
fsr-3463	135	19	.	.	PUNCT
fsr-3463	136	1	l	l	PROPN
fsr-3463	136	2	ik	ik	PROPN
fsr-3463	136	3	el	el	PROPN
fsr-3463	136	4	ih	ih	PROPN
fsr-3463	137	1	o	o	X
fsr-3463	138	1	o	o	X
fsr-3463	139	1	d	d	X
fsr-3463	139	2	o	o	X
fsr-3463	139	3	f	f	X
fsr-3463	139	4	p	p	X
fsr-3463	139	5	u	u	PROPN
fsr-3463	139	6	rc	rc	PROPN
fsr-3463	139	7	h	h	PROPN
fsr-3463	139	8	as	as	ADP
fsr-3463	139	9	in	in	ADP
fsr-3463	139	10	g	g	PROPN
fsr-3463	139	11	an	an	DET
fsr-3463	139	12	an	an	PRON
fsr-3463	139	13	n	n	NOUN
fsr-3463	139	14	u	u	NOUN
fsr-3463	139	15	it	it	PRON
fsr-3463	139	16	y	y	INTJ
fsr-3463	140	1	:	:	PUNCT
fsr-3463	141	1	[	[	X
fsr-3463	141	2	0	0	NUM
fsr-3463	141	3	–	–	SYM
fsr-3463	141	4	1	1	NUM
fsr-3463	141	5	0	0	NUM
fsr-3463	141	6	0	0	NUM
fsr-3463	141	7	sl	sl	NUM
fsr-3463	141	8	i	i	PROPN
fsr-3463	141	9	d	d	PROPN
fsr-3463	141	10	er	er	INTJ
fsr-3463	141	11	b	b	PROPN
fsr-3463	141	12	ar	ar	PROPN
fsr-3463	141	13	]	]	PUNCT
fsr-3463	141	14	a	a	DET
fsr-3463	141	15	g	g	NOUN
fsr-3463	141	16	re	re	ADP
fsr-3463	141	17	e	e	X
fsr-3463	141	18	fr	fr	PROPN
fsr-3463	141	19	am	be	AUX
fsr-3463	141	20	in	in	ADP
fsr-3463	141	21	g	g	PROPN
fsr-3463	141	22	ar	ar	PROPN
fsr-3463	141	23	g	g	PROPN
fsr-3463	141	24	u	u	PROPN
fsr-3463	141	25	m	m	PROPN
fsr-3463	141	26	en	en	ADP
fsr-3463	141	27	t	t	PROPN
fsr-3463	141	28	(	(	PUNCT
fsr-3463	141	29	y	y	NOUN
fsr-3463	141	30	es	es	NOUN
fsr-3463	141	31	=	=	SYM
fsr-3463	141	32	1	1	X
fsr-3463	141	33	)	)	PUNCT
fsr-3463	141	34	o	o	NOUN
fsr-3463	142	1	n	n	PROPN
fsr-3463	142	2	e	e	X
fsr-3463	142	3	b	b	PROPN
fsr-3463	142	4	en	en	X
fsr-3463	142	5	efi	efi	PROPN
fsr-3463	142	6	t	t	PROPN
fsr-3463	142	7	to	to	ADP
fsr-3463	142	8	an	an	DET
fsr-3463	142	9	n	n	NOUN
fsr-3463	142	10	u	u	NOUN
fsr-3463	142	11	it	it	PRON
fsr-3463	142	12	ie	ie	ADV
fsr-3463	142	13	s	s	VERB
fsr-3463	142	14	is	be	AUX
fsr-3463	142	15	th	th	X
fsr-3463	142	16	at	at	ADP
fsr-3463	142	17	th	th	INTJ
fsr-3463	142	18	ey	ey	INTJ
fsr-3463	142	19	ca	ca	NOUN
fsr-3463	143	1	n	n	ADV
fsr-3463	143	2	p	p	NOUN
fsr-3463	143	3	ro	ro	INTJ
fsr-3463	143	4	te	te	ADP
fsr-3463	143	5	ct	ct	PRON
fsr-3463	143	6	an	an	PRON
fsr-3463	143	7	in	in	ADP
fsr-3463	143	8	h	h	NOUN
fsr-3463	144	1	er	er	INTJ
fsr-3463	144	2	it	it	PRON
fsr-3463	144	3	an	an	DET
fsr-3463	144	4	ce	ce	NOUN
fsr-3463	144	5	fo	fo	ADP
fsr-3463	144	6	r	r	NOUN
fsr-3463	144	7	h	h	NOUN
fsr-3463	145	1	ei	ei	NOUN
fsr-3463	145	2	rs	rs	INTJ
fsr-3463	145	3	.	.	PUNCT
fsr-3463	146	1	n	n	CCONJ
fsr-3463	146	2	o	o	INTJ
fsr-3463	146	3	m	m	VERB
fsr-3463	146	4	at	at	ADP
fsr-3463	146	5	te	te	ADP
fsr-3463	146	6	r	r	NOUN
fsr-3463	146	7	h	h	NOUN
fsr-3463	147	1	o	o	NOUN
fsr-3463	147	2	w	w	PROPN
fsr-3463	147	3	lo	lo	PROPN
fsr-3463	148	1	n	n	ADV
fsr-3463	149	1	g	g	NOUN
fsr-3463	149	2	y	y	PROPN
fsr-3463	149	3	o	o	X
fsr-3463	149	4	u	u	X
fsr-3463	149	5	li	li	PROPN
fsr-3463	149	6	v	v	PROPN
fsr-3463	149	7	e	e	PROPN
fsr-3463	149	8	,	,	PUNCT
fsr-3463	149	9	y	y	PROPN
fsr-3463	149	10	o	o	X
fsr-3463	149	11	u	u	PROPN
fsr-3463	149	12	w	w	PROPN
fsr-3463	149	13	il	il	PROPN
fsr-3463	149	14	l	l	PROPN
fsr-3463	149	15	h	h	NOUN
fsr-3463	149	16	av	av	PROPN
fsr-3463	149	17	e	e	PROPN
fsr-3463	149	18	li	li	PROPN
fsr-3463	149	19	fe	fe	X
fsr-3463	149	20	ti	ti	PROPN
fsr-3463	149	21	m	m	PROPN
fsr-3463	149	22	e	e	NOUN
fsr-3463	149	23	in	in	ADP
fsr-3463	149	24	co	co	NOUN
fsr-3463	149	25	m	m	PROPN
fsr-3463	149	26	e	e	NOUN
fsr-3463	149	27	,	,	PUNCT
fsr-3463	149	28	so	so	ADV
fsr-3463	149	29	y	y	PROPN
fsr-3463	149	30	o	o	PROPN
fsr-3463	149	31	u	u	PROPN
fsr-3463	149	32	w	w	PROPN
fsr-3463	149	33	o	o	PROPN
fsr-3463	149	34	n	n	CCONJ
fsr-3463	149	35	’	'	PUNCT
fsr-3463	149	36	t	t	PROPN
fsr-3463	149	37	b	b	PROPN
fsr-3463	149	38	e	e	PROPN
fsr-3463	149	39	fo	fo	ADP
fsr-3463	149	40	rc	rc	PROPN
fsr-3463	149	41	ed	ed	NOUN
fsr-3463	149	42	to	to	ADP
fsr-3463	149	43	sp	sp	VERB
fsr-3463	149	44	en	en	PROPN
fsr-3463	150	1	d	d	NOUN
fsr-3463	151	1	aw	aw	INTJ
fsr-3463	151	2	ay	ay	INTJ
fsr-3463	151	3	y	y	NOUN
fsr-3463	151	4	o	o	X
fsr-3463	152	1	u	u	NOUN
fsr-3463	152	2	r	r	NOUN
fsr-3463	152	3	o	o	X
fsr-3463	152	4	th	th	X
fsr-3463	152	5	er	er	INTJ
fsr-3463	152	6	in	in	ADP
fsr-3463	152	7	v	v	NOUN
fsr-3463	152	8	es	es	ADP
fsr-3463	152	9	tm	tm	NOUN
fsr-3463	152	10	en	en	ADP
fsr-3463	152	11	ts	ts	ADP
fsr-3463	152	12	o	o	NOUN
fsr-3463	152	13	r	r	NOUN
fsr-3463	152	14	as	as	ADP
fsr-3463	152	15	se	se	PROPN
fsr-3463	152	16	ts	ts	PROPN
fsr-3463	152	17	ju	ju	PROPN
fsr-3463	152	18	st	st	PROPN
fsr-3463	152	19	to	to	PART
fsr-3463	152	20	h	h	PROPN
fsr-3463	152	21	av	av	PROPN
fsr-3463	152	22	e	e	NOUN
fsr-3463	152	23	re	re	ADP
fsr-3463	152	24	g	g	PROPN
fsr-3463	152	25	u	u	NOUN
fsr-3463	152	26	la	la	ADP
fsr-3463	152	27	r	r	NOUN
fsr-3463	152	28	in	in	ADP
fsr-3463	152	29	co	co	NOUN
fsr-3463	152	30	m	m	PROPN
fsr-3463	152	31	e.	e.	PROPN
fsr-3463	153	1	d	d	PROPN
fsr-3463	153	2	o	o	PROPN
fsr-3463	153	3	es	es	VERB
fsr-3463	153	4	it	it	PRON
fsr-3463	153	5	m	m	VERB
fsr-3463	153	6	ak	ak	PROPN
fsr-3463	153	7	e	e	PROPN
fsr-3463	153	8	se	se	X
fsr-3463	153	9	n	n	X
fsr-3463	153	10	se	se	X
fsr-3463	153	11	to	to	ADP
fsr-3463	153	12	y	y	PROPN
fsr-3463	153	13	o	o	NOUN
fsr-3463	154	1	u	u	INTJ
fsr-3463	155	1	h	h	NOUN
fsr-3463	156	1	o	o	NOUN
fsr-3463	156	2	w	w	NOUN
fsr-3463	156	3	h	h	NOUN
fsr-3463	156	4	av	av	PROPN
fsr-3463	156	5	in	in	ADP
fsr-3463	156	6	g	g	PROPN
fsr-3463	156	7	g	g	PROPN
fsr-3463	156	8	u	u	PROPN
fsr-3463	156	9	ar	ar	PROPN
fsr-3463	156	10	an	an	DET
fsr-3463	156	11	te	te	PROPN
fsr-3463	156	12	ed	ed	PROPN
fsr-3463	156	13	li	li	PROPN
fsr-3463	156	14	fe	fe	X
fsr-3463	156	15	ti	ti	PROPN
fsr-3463	156	16	m	m	PROPN
fsr-3463	156	17	e	e	NOUN
fsr-3463	156	18	in	in	ADP
fsr-3463	156	19	co	co	NOUN
fsr-3463	156	20	m	m	PROPN
fsr-3463	156	21	e	e	NOUN
fsr-3463	156	22	fr	fr	NOUN
fsr-3463	156	23	o	o	X
fsr-3463	156	24	m	m	VERB
fsr-3463	156	25	an	an	DET
fsr-3463	156	26	an	an	PRON
fsr-3463	156	27	n	n	ADP
fsr-3463	156	28	u	u	NOUN
fsr-3463	156	29	it	it	PRON
fsr-3463	156	30	y	y	VERB
fsr-3463	156	31	ca	can	AUX
fsr-3463	157	1	n	n	ADV
fsr-3463	157	2	p	p	PROPN
fsr-3463	157	3	ro	ro	X
fsr-3463	157	4	v	v	INTJ
fsr-3463	157	5	i	i	PROPN
fsr-3463	157	6	d	d	PROPN
fsr-3463	157	7	e	e	PROPN
fsr-3463	158	1	p	p	X
fsr-3463	158	2	ro	ro	X
fsr-3463	158	3	te	te	ADP
fsr-3463	158	4	ct	ct	PROPN
fsr-3463	158	5	io	io	PROPN
fsr-3463	158	6	n	n	PRON
fsr-3463	158	7	o	o	NOUN
fsr-3463	158	8	f	f	X
fsr-3463	159	1	an	an	PRON
fsr-3463	159	2	in	in	ADP
fsr-3463	159	3	h	h	NOUN
fsr-3463	159	4	er	er	INTJ
fsr-3463	159	5	it	it	PRON
fsr-3463	159	6	an	an	DET
fsr-3463	159	7	ce	ce	NOUN
fsr-3463	159	8	fo	fo	ADP
fsr-3463	159	9	r	r	NOUN
fsr-3463	159	10	y	y	NOUN
fsr-3463	159	11	o	o	X
fsr-3463	159	12	u	u	NOUN
fsr-3463	159	13	r	r	NOUN
fsr-3463	159	14	h	h	NOUN
fsr-3463	159	15	ei	ei	NOUN
fsr-3463	159	16	rs	rs	ADJ
fsr-3463	159	17	?	?	PUNCT
fsr-3463	160	1	_	_	PUNCT
fsr-3463	161	1	_	_	PUNCT
fsr-3463	162	1	y	y	NOUN
fsr-3463	162	2	es	es	PROPN
fsr-3463	162	3	,	,	PUNCT
fsr-3463	162	4	th	th	X
fsr-3463	162	5	at	at	ADP
fsr-3463	162	6	m	m	PROPN
fsr-3463	162	7	ak	ak	PROPN
fsr-3463	162	8	es	es	X
fsr-3463	162	9	se	se	X
fsr-3463	162	10	n	n	X
fsr-3463	162	11	se	se	X
fsr-3463	162	12	_	_	PUNCT
fsr-3463	163	1	_	_	PUNCT
fsr-3463	164	1	n	n	INTJ
fsr-3463	164	2	o	o	INTJ
fsr-3463	164	3	,	,	PUNCT
fsr-3463	164	4	th	th	X
fsr-3463	164	5	at	at	ADP
fsr-3463	164	6	d	d	X
fsr-3463	164	7	o	o	NOUN
fsr-3463	164	8	es	es	X
fsr-3463	164	9	n	n	PRON
fsr-3463	164	10	’	'	PUNCT
fsr-3463	164	11	t	t	PROPN
fsr-3463	164	12	m	m	PROPN
fsr-3463	164	13	ak	ak	PROPN
fsr-3463	164	14	e	e	PROPN
fsr-3463	164	15	se	se	X
fsr-3463	164	16	n	n	X
fsr-3463	164	17	se	se	X
fsr-3463	164	18	_	_	PUNCT
fsr-3463	165	1	_	_	PUNCT
fsr-3463	166	1	i	i	PRON
fsr-3463	166	2	’	’	VERB
fsr-3463	166	3	m	m	VERB
fsr-3463	166	4	n	n	ADV
fsr-3463	166	5	o	o	X
fsr-3463	166	6	t	t	X
fsr-3463	166	7	re	re	NOUN
fsr-3463	166	8	al	al	PROPN
fsr-3463	166	9	ly	ly	PROPN
fsr-3463	166	10	su	su	PROPN
fsr-3463	167	1	re	re	PROPN
fsr-3463	167	2	b	b	PROPN
fsr-3463	167	3	eq	eq	VERB
fsr-3463	167	4	u	u	PROPN
fsr-3463	167	5	es	es	ADP
fsr-3463	167	6	t	t	PROPN
fsr-3463	167	7	m	m	VERB
fsr-3463	167	8	o	o	NOUN
fsr-3463	167	9	ti	ti	X
fsr-3463	167	10	v	v	X
fsr-3463	167	11	e	e	X
fsr-3463	167	12	p	p	X
fsr-3463	167	13	re	re	ADP
fsr-3463	167	14	ce	ce	PROPN
fsr-3463	167	15	d	d	PROPN
fsr-3463	167	16	in	in	ADP
fsr-3463	167	17	g	g	PROPN
fsr-3463	167	18	q	q	NOUN
fsr-3463	167	19	u	u	NOUN
fsr-3463	167	20	es	es	X
fsr-3463	167	21	ti	ti	NOUN
fsr-3463	167	22	o	o	NOUN
fsr-3463	167	23	n	n	PROPN
fsr-3463	167	24	:	:	PUNCT
fsr-3463	167	25	s	s	VERB
fsr-3463	167	26	u	u	NOUN
fsr-3463	167	27	p	p	NOUN
fsr-3463	167	28	p	p	X
fsr-3463	167	29	o	o	X
fsr-3463	167	30	se	se	X
fsr-3463	168	1	y	y	PROPN
fsr-3463	168	2	o	o	PROPN
fsr-3463	168	3	u	u	INTJ
fsr-3463	168	4	w	w	PROPN
fsr-3463	168	5	er	er	INTJ
fsr-3463	168	6	e	e	PROPN
fsr-3463	168	7	ag	ag	PROPN
fsr-3463	168	8	e	e	PROPN
fsr-3463	168	9	6	6	NUM
fsr-3463	168	10	5	5	NUM
fsr-3463	168	11	an	an	DET
fsr-3463	168	12	d	d	NOUN
fsr-3463	168	13	h	h	PRON
fsr-3463	168	14	ad	ad	NOUN
fsr-3463	168	15	sa	sa	PROPN
fsr-3463	168	16	v	v	NUM
fsr-3463	168	17	ed	ed	NOUN
fsr-3463	168	18	$	$	SYM
fsr-3463	168	19	1	1	NUM
fsr-3463	168	20	m	m	NOUN
fsr-3463	168	21	il	il	PROPN
fsr-3463	168	22	li	li	PROPN
fsr-3463	168	23	o	o	PROPN
fsr-3463	168	24	n	n	ADP
fsr-3463	168	25	to	to	ADP
fsr-3463	168	26	u	u	PROPN
fsr-3463	168	27	se	se	PROPN
fsr-3463	168	28	d	d	PROPN
fsr-3463	168	29	u	u	PROPN
fsr-3463	168	30	ri	ri	PROPN
fsr-3463	168	31	n	n	ADV
fsr-3463	168	32	g	g	NOUN
fsr-3463	168	33	re	re	X
fsr-3463	168	34	ti	ti	PROPN
fsr-3463	168	35	re	re	VERB
fsr-3463	168	36	m	m	PROPN
fsr-3463	168	37	en	en	ADP
fsr-3463	168	38	t	t	PROPN
fsr-3463	168	39	in	in	ADP
fsr-3463	168	40	ad	ad	NOUN
fsr-3463	169	1	d	d	X
fsr-3463	169	2	it	it	PRON
fsr-3463	169	3	io	io	PROPN
fsr-3463	169	4	n	n	X
fsr-3463	169	5	to	to	PART
fsr-3463	170	1	so	so	ADV
fsr-3463	170	2	ci	ci	PROPN
fsr-3463	170	3	al	al	PROPN
fsr-3463	170	4	se	se	PROPN
fsr-3463	170	5	cu	cu	PROPN
fsr-3463	170	6	ri	ri	PROPN
fsr-3463	171	1	ty	ty	INTJ
fsr-3463	171	2	.	.	PUNCT
fsr-3463	172	1	y	y	NOUN
fsr-3463	172	2	o	o	PUNCT
fsr-3463	173	1	u	u	NOUN
fsr-3463	173	2	r	r	NOUN
fsr-3463	173	3	in	in	ADP
fsr-3463	173	4	v	v	NUM
fsr-3463	173	5	es	es	ADP
fsr-3463	173	6	tm	tm	NOUN
fsr-3463	173	7	en	en	X
fsr-3463	173	8	ts	ts	PROPN
fsr-3463	173	9	w	w	PROPN
fsr-3463	173	10	il	il	PROPN
fsr-3463	173	11	l	l	PROPN
fsr-3463	173	12	re	re	PROPN
fsr-3463	173	13	tu	tu	PROPN
fsr-3463	173	14	rn	rn	PROPN
fsr-3463	173	15	an	an	PROPN
fsr-3463	173	16	in	in	ADP
fsr-3463	173	17	fl	fl	NOUN
fsr-3463	173	18	at	at	ADP
fsr-3463	173	19	io	io	PROPN
fsr-3463	173	20	n	n	X
fsr-3463	173	21	-a	-a	PROPN
fsr-3463	173	22	d	d	PROPN
fsr-3463	173	23	ju	ju	PROPN
fsr-3463	173	24	st	st	PROPN
fsr-3463	173	25	ed	ed	PROPN
fsr-3463	173	26	am	be	AUX
fsr-3463	173	27	o	o	NOUN
fsr-3463	173	28	u	u	NOUN
fsr-3463	173	29	n	n	ADP
fsr-3463	173	30	t	t	NOUN
fsr-3463	174	1	o	o	X
fsr-3463	174	2	f	f	NUM
fsr-3463	174	3	5	5	NUM
fsr-3463	174	4	%	%	NOUN
fsr-3463	174	5	(	(	PUNCT
fsr-3463	174	6	e	e	NOUN
fsr-3463	174	7	.g	.g	PROPN
fsr-3463	174	8	.	.	PUNCT
fsr-3463	174	9	,	,	PUNCT
fsr-3463	174	10	$	$	SYM
fsr-3463	174	11	5	5	NUM
fsr-3463	174	12	0	0	NUM
fsr-3463	174	13	,	,	PUNCT
fsr-3463	174	14	0	0	NUM
fsr-3463	174	15	0	0	NUM
fsr-3463	174	16	0	0	NUM
fsr-3463	175	1	fr	fr	INTJ
fsr-3463	176	1	o	o	INTJ
fsr-3463	176	2	m	m	VERB
fsr-3463	176	3	$	$	SYM
fsr-3463	176	4	1	1	NUM
fsr-3463	176	5	m	m	NOUN
fsr-3463	176	6	il	il	PROPN
fsr-3463	176	7	li	li	PROPN
fsr-3463	176	8	o	o	PROPN
fsr-3463	176	9	n	n	CCONJ
fsr-3463	176	10	)	)	PUNCT
fsr-3463	177	1	p	p	X
fsr-3463	177	2	er	er	INTJ
fsr-3463	177	3	y	y	PROPN
fsr-3463	177	4	ea	ea	PROPN
fsr-3463	177	5	r.	r.	PROPN
fsr-3463	177	6	w	w	PROPN
fsr-3463	177	7	h	h	PROPN
fsr-3463	178	1	ic	ic	INTJ
fsr-3463	178	2	h	h	NOUN
fsr-3463	179	1	o	o	X
fsr-3463	179	2	f	f	X
fsr-3463	179	3	th	th	INTJ
fsr-3463	179	4	e	e	NOUN
fsr-3463	180	1	fo	fo	INTJ
fsr-3463	180	2	ll	ll	AUX
fsr-3463	180	3	o	o	VERB
fsr-3463	180	4	w	w	NOUN
fsr-3463	180	5	in	in	ADP
fsr-3463	180	6	g	g	NOUN
fsr-3463	180	7	sp	sp	ADP
fsr-3463	180	8	en	en	X
fsr-3463	180	9	d	d	PROPN
fsr-3463	180	10	in	in	ADP
fsr-3463	180	11	g	g	PROPN
fsr-3463	180	12	p	p	PROPN
fsr-3463	180	13	la	la	PROPN
fsr-3463	180	14	n	n	PROPN
fsr-3463	180	15	s	s	NOUN
fsr-3463	180	16	w	w	NOUN
fsr-3463	180	17	o	o	X
fsr-3463	180	18	u	u	NOUN
fsr-3463	180	19	ld	ld	PROPN
fsr-3463	180	20	y	y	NOUN
fsr-3463	180	21	o	o	NOUN
fsr-3463	181	1	u	u	PROPN
fsr-3463	181	2	p	p	X
fsr-3463	181	3	re	re	X
fsr-3463	181	4	fe	fe	X
fsr-3463	181	5	r	r	NOUN
fsr-3463	181	6	?	?	PUNCT
fsr-3463	181	7	—	—	PUNCT
fsr-3463	181	8	(	(	PUNCT
fsr-3463	181	9	p	p	X
fsr-3463	181	10	ag	ag	PROPN
fsr-3463	181	11	e	e	PROPN
fsr-3463	181	12	b	b	PROPN
fsr-3463	181	13	re	re	X
fsr-3463	181	14	ak	ak	PROPN
fsr-3463	181	15	)	)	PUNCT
fsr-3463	181	16	—	—	PUNCT
fsr-3463	182	1	o	o	X
fsr-3463	182	2	n	n	CCONJ
fsr-3463	182	3	a	a	DET
fsr-3463	182	4	sc	sc	NOUN
fsr-3463	182	5	al	al	PROPN
fsr-3463	182	6	e	e	PROPN
fsr-3463	183	1	fr	fr	NOUN
fsr-3463	183	2	o	o	NOUN
fsr-3463	183	3	m	m	VERB
fsr-3463	183	4	0	0	NUM
fsr-3463	183	5	to	to	ADP
fsr-3463	183	6	1	1	NUM
fsr-3463	183	7	0	0	NUM
fsr-3463	183	8	0	0	NUM
fsr-3463	183	9	,	,	PUNCT
fsr-3463	184	1	h	h	NOUN
fsr-3463	185	1	o	o	X
fsr-3463	185	2	w	w	VERB
fsr-3463	185	3	m	m	VERB
fsr-3463	185	4	u	u	NOUN
fsr-3463	185	5	ch	ch	NOUN
fsr-3463	185	6	d	d	X
fsr-3463	185	7	i	i	PROPN
fsr-3463	185	8	d	d	PROPN
fsr-3463	185	9	y	y	NOUN
fsr-3463	185	10	o	o	X
fsr-3463	185	11	u	u	X
fsr-3463	185	12	co	co	VERB
fsr-3463	185	13	n	n	PROPN
fsr-3463	185	14	si	si	PROPN
fsr-3463	186	1	d	d	X
fsr-3463	186	2	er	er	INTJ
fsr-3463	186	3	y	y	NOUN
fsr-3463	186	4	o	o	X
fsr-3463	186	5	u	u	NOUN
fsr-3463	186	6	r	r	NOUN
fsr-3463	186	7	d	d	X
fsr-3463	186	8	es	es	X
fsr-3463	186	9	ir	ir	X
fsr-3463	186	10	e	e	NOUN
fsr-3463	186	11	to	to	PART
fsr-3463	186	12	le	le	VERB
fsr-3463	186	13	av	av	PROPN
fsr-3463	187	1	e	e	NOUN
fsr-3463	187	2	m	m	VERB
fsr-3463	187	3	o	o	NOUN
fsr-3463	187	4	n	n	ADV
fsr-3463	187	5	ey	ey	INTJ
fsr-3463	187	6	to	to	ADP
fsr-3463	187	7	y	y	PROPN
fsr-3463	187	8	o	o	NOUN
fsr-3463	187	9	u	u	NOUN
fsr-3463	187	10	r	r	NOUN
fsr-3463	187	11	h	h	NOUN
fsr-3463	187	12	ei	ei	NOUN
fsr-3463	188	1	rs	rs	PROPN
fsr-3463	188	2	w	w	NOUN
fsr-3463	188	3	h	h	PROPN
fsr-3463	189	1	en	en	PROPN
fsr-3463	189	2	m	m	PROPN
fsr-3463	189	3	ak	ak	PROPN
fsr-3463	189	4	in	in	ADP
fsr-3463	189	5	g	g	PROPN
fsr-3463	189	6	th	th	X
fsr-3463	189	7	e	e	NOUN
fsr-3463	189	8	sp	sp	ADP
fsr-3463	189	9	en	en	PROPN
fsr-3463	189	10	d	d	PROPN
fsr-3463	189	11	in	in	ADP
fsr-3463	189	12	g	g	PROPN
fsr-3463	189	13	ch	ch	NOUN
fsr-3463	189	14	o	o	X
fsr-3463	189	15	ic	ic	X
fsr-3463	189	16	e	e	X
fsr-3463	189	17	o	o	NOUN
fsr-3463	189	18	n	n	X
fsr-3463	189	19	th	th	X
fsr-3463	189	20	e	e	X
fsr-3463	189	21	la	la	PROPN
fsr-3463	189	22	st	st	PROPN
fsr-3463	189	23	q	q	PROPN
fsr-3463	189	24	u	u	PROPN
fsr-3463	189	25	es	es	X
fsr-3463	189	26	ti	ti	NOUN
fsr-3463	189	27	o	o	NOUN
fsr-3463	189	28	n	n	NOUN
fsr-3463	189	29	?	?	PUNCT
fsr-3463	190	1	c	c	NOUN
fsr-3463	191	1	o	o	NOUN
fsr-3463	191	2	n	n	CCONJ
fsr-3463	191	3	si	si	PROPN
fsr-3463	191	4	d	d	X
fsr-3463	191	5	er	er	INTJ
fsr-3463	191	6	ed	ed	NOUN
fsr-3463	191	7	le	le	X
fsr-3463	191	8	av	av	PROPN
fsr-3463	191	9	in	in	ADP
fsr-3463	191	10	g	g	PROPN
fsr-3463	191	11	an	an	PRON
fsr-3463	191	12	in	in	ADP
fsr-3463	191	13	h	h	NOUN
fsr-3463	192	1	er	er	INTJ
fsr-3463	192	2	it	it	PRON
fsr-3463	192	3	an	an	DET
fsr-3463	192	4	ce	ce	NOUN
fsr-3463	192	5	:	:	PUNCT
fsr-3463	193	1	[	[	X
fsr-3463	193	2	0	0	NUM
fsr-3463	193	3	–	–	PUNCT
fsr-3463	193	4	1	1	NUM
fsr-3463	193	5	0	0	NUM
fsr-3463	193	6	0	0	NUM
fsr-3463	193	7	sl	sl	NUM
fsr-3463	193	8	i	i	PROPN
fsr-3463	193	9	d	d	PROPN
fsr-3463	193	10	er	er	INTJ
fsr-3463	193	11	b	b	PROPN
fsr-3463	193	12	ar	ar	PROPN
fsr-3463	193	13	]	]	PUNCT
fsr-3463	193	14	m	m	VERB
fsr-3463	193	15	o	o	X
fsr-3463	193	16	rt	rt	NOUN
fsr-3463	193	17	al	al	PROPN
fsr-3463	193	18	it	it	PRON
fsr-3463	193	19	y	y	PROPN
fsr-3463	193	20	sa	sa	PROPN
fsr-3463	193	21	li	li	PROPN
fsr-3463	193	22	en	en	PROPN
fsr-3463	193	23	ce	ce	PROPN
fsr-3463	193	24	t	t	PROPN
fsr-3463	193	25	o	o	PROPN
fsr-3463	193	26	w	w	PROPN
fsr-3463	193	27	h	h	NOUN
fsr-3463	193	28	at	at	ADP
fsr-3463	193	29	ex	ex	X
fsr-3463	193	30	te	te	ADP
fsr-3463	193	31	n	n	ADP
fsr-3463	193	32	t	t	NOUN
fsr-3463	193	33	h	h	NOUN
fsr-3463	193	34	av	av	PROPN
fsr-3463	194	1	e	e	PROPN
fsr-3463	194	2	y	y	NOUN
fsr-3463	194	3	o	o	X
fsr-3463	194	4	u	u	PROPN
fsr-3463	194	5	b	b	PROPN
fsr-3463	194	6	ee	ee	ADP
fsr-3463	194	7	n	n	ADV
fsr-3463	194	8	th	th	X
fsr-3463	194	9	in	in	ADP
fsr-3463	194	10	k	k	PROPN
fsr-3463	194	11	in	in	ADP
fsr-3463	194	12	g	g	PROPN
fsr-3463	194	13	ab	ab	PROPN
fsr-3463	194	14	o	o	X
fsr-3463	194	15	u	u	NOUN
fsr-3463	195	1	t	t	PROPN
fsr-3463	195	2	d	d	X
fsr-3463	195	3	ea	ea	X
fsr-3463	195	4	th	th	X
fsr-3463	195	5	in	in	ADP
fsr-3463	195	6	th	th	X
fsr-3463	195	7	e	e	X
fsr-3463	195	8	p	p	NOUN
fsr-3463	195	9	as	as	ADP
fsr-3463	195	10	t	t	PROPN
fsr-3463	195	11	se	se	PROPN
fsr-3463	195	12	v	v	ADP
fsr-3463	195	13	er	er	INTJ
fsr-3463	195	14	al	al	PROPN
fsr-3463	195	15	m	m	PROPN
fsr-3463	195	16	in	in	ADP
fsr-3463	195	17	u	u	NOUN
fsr-3463	195	18	te	te	ADP
fsr-3463	195	19	s	s	NOUN
fsr-3463	195	20	?	?	PUNCT
fsr-3463	196	1	n	n	ADV
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fsr-3463	197	1	er	er	INTJ
fsr-3463	197	2	[	[	X
fsr-3463	197	3	1	1	NUM
fsr-3463	197	4	]	]	PUNCT
fsr-3463	197	5	v	v	ADP
fsr-3463	197	6	er	er	INTJ
fsr-3463	197	7	y	y	PROPN
fsr-3463	197	8	r	r	PROPN
fsr-3463	197	9	ar	ar	PROPN
fsr-3463	197	10	el	el	PROPN
fsr-3463	197	11	y	y	PROPN
fsr-3463	198	1	[	[	X
fsr-3463	198	2	2	2	NUM
fsr-3463	198	3	]	]	PUNCT
fsr-3463	198	4	r	r	NOUN
fsr-3463	198	5	ar	ar	PROPN
fsr-3463	198	6	el	el	PROPN
fsr-3463	198	7	y	y	PROPN
fsr-3463	199	1	[	[	X
fsr-3463	199	2	3	3	X
fsr-3463	199	3	]	]	PUNCT
fsr-3463	199	4	o	o	X
fsr-3463	199	5	cc	cc	NOUN
fsr-3463	199	6	as	as	ADP
fsr-3463	199	7	io	io	PROPN
fsr-3463	199	8	n	n	PROPN
fsr-3463	199	9	al	al	PROPN
fsr-3463	199	10	ly	ly	X
fsr-3463	200	1	[	[	X
fsr-3463	200	2	4	4	NUM
fsr-3463	200	3	]	]	PUNCT
fsr-3463	200	4	f	f	X
fsr-3463	200	5	re	re	X
fsr-3463	200	6	q	q	PROPN
fsr-3463	200	7	u	u	PROPN
fsr-3463	200	8	en	en	ADP
fsr-3463	200	9	tl	tl	PROPN
fsr-3463	200	10	y	y	PROPN
fsr-3463	201	1	[	[	X
fsr-3463	201	2	5	5	NUM
fsr-3463	201	3	]	]	PUNCT
fsr-3463	201	4	v	v	ADP
fsr-3463	201	5	er	er	INTJ
fsr-3463	201	6	y	y	PROPN
fsr-3463	201	7	f	f	PROPN
fsr-3463	201	8	re	re	X
fsr-3463	201	9	q	q	PROPN
fsr-3463	201	10	u	u	PROPN
fsr-3463	201	11	en	en	ADP
fsr-3463	201	12	tl	tl	PROPN
fsr-3463	201	13	y	y	PROPN
fsr-3463	202	1	[	[	X
fsr-3463	202	2	6	6	NUM
fsr-3463	202	3	]	]	PUNCT
fsr-3463	202	4	p	p	X
fsr-3463	202	5	le	le	X
fsr-3463	202	6	as	as	ADP
fsr-3463	202	7	e	e	X
fsr-3463	202	8	ra	ra	PROPN
fsr-3463	202	9	te	te	INTJ
fsr-3463	202	10	y	y	PROPN
fsr-3463	202	11	o	o	X
fsr-3463	202	12	u	u	NOUN
fsr-3463	202	13	r	r	NOUN
fsr-3463	202	14	le	le	X
fsr-3463	202	15	v	v	NOUN
fsr-3463	202	16	el	el	PROPN
fsr-3463	202	17	o	o	PROPN
fsr-3463	202	18	f	f	PROPN
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fsr-3463	202	20	re	re	VERB
fsr-3463	202	21	em	em	PROPN
fsr-3463	202	22	en	en	PROPN
fsr-3463	202	23	t	t	PROPN
fsr-3463	203	1	w	w	NOUN
fsr-3463	203	2	it	it	PRON
fsr-3463	203	3	h	h	NOUN
fsr-3463	203	4	th	th	X
fsr-3463	203	5	e	e	NOUN
fsr-3463	204	1	fo	fo	INTJ
fsr-3463	204	2	ll	ll	AUX
fsr-3463	204	3	o	o	VERB
fsr-3463	204	4	w	w	NOUN
fsr-3463	204	5	in	in	ADP
fsr-3463	204	6	g	g	PROPN
fsr-3463	204	7	st	st	PROPN
fsr-3463	204	8	at	at	ADP
fsr-3463	204	9	em	em	PRON
fsr-3463	204	10	en	en	PROPN
fsr-3463	204	11	t	t	PROPN
fsr-3463	204	12	:	:	PUNCT
fsr-3463	204	13	t	t	NOUN
fsr-3463	204	14	h	h	NOUN
fsr-3463	205	1	e	e	X
fsr-3463	205	2	ta	ta	X
fsr-3463	205	3	sk	sk	VERB
fsr-3463	205	4	s	s	PROPN
fsr-3463	205	5	in	in	ADP
fsr-3463	205	6	th	th	X
fsr-3463	205	7	is	be	AUX
fsr-3463	205	8	su	su	PROPN
fsr-3463	205	9	rv	rv	PROPN
fsr-3463	205	10	ey	ey	X
fsr-3463	205	11	re	re	VERB
fsr-3463	205	12	m	m	VERB
fsr-3463	205	13	in	in	ADP
fsr-3463	205	14	d	d	PROPN
fsr-3463	205	15	ed	ed	NOUN
fsr-3463	205	16	m	m	PROPN
fsr-3463	205	17	e	e	NOUN
fsr-3463	206	1	o	o	NOUN
fsr-3463	206	2	f	f	X
fsr-3463	206	3	d	d	X
fsr-3463	206	4	ea	ea	X
fsr-3463	206	5	th	th	X
fsr-3463	206	6	.	.	PUNCT
fsr-3463	207	1	v	v	X
fsr-3463	207	2	er	er	INTJ
fsr-3463	207	3	y	y	PROPN
fsr-3463	207	4	s	s	PROPN
fsr-3463	207	5	tr	tr	NOUN
fsr-3463	207	6	o	o	NOUN
fsr-3463	207	7	n	n	PRON
fsr-3463	207	8	g	g	NOUN
fsr-3463	207	9	ly	ly	ADP
fsr-3463	207	10	a	a	DET
fsr-3463	207	11	g	g	NOUN
fsr-3463	207	12	re	re	ADP
fsr-3463	207	13	e	e	NOUN
fsr-3463	207	14	[	[	X
fsr-3463	207	15	6	6	NUM
fsr-3463	207	16	]	]	SYM
fsr-3463	207	17	s	s	VERB
fsr-3463	208	1	tr	tr	NOUN
fsr-3463	208	2	o	o	NOUN
fsr-3463	208	3	n	n	PRON
fsr-3463	208	4	g	g	NOUN
fsr-3463	208	5	ly	ly	ADP
fsr-3463	208	6	a	a	DET
fsr-3463	208	7	g	g	NOUN
fsr-3463	208	8	re	re	ADP
fsr-3463	208	9	e	e	NOUN
fsr-3463	208	10	[	[	X
fsr-3463	208	11	5	5	NUM
fsr-3463	208	12	]	]	PUNCT
fsr-3463	208	13	a	a	DET
fsr-3463	208	14	g	g	NOUN
fsr-3463	208	15	re	re	ADP
fsr-3463	208	16	e	e	NOUN
fsr-3463	208	17	[	[	X
fsr-3463	208	18	4	4	NUM
fsr-3463	208	19	]	]	PUNCT
fsr-3463	208	20	d	d	X
fsr-3463	208	21	is	be	AUX
fsr-3463	208	22	ag	ag	PROPN
fsr-3463	208	23	re	re	ADP
fsr-3463	208	24	e	e	X
fsr-3463	208	25	[	[	X
fsr-3463	208	26	3	3	NUM
fsr-3463	208	27	]	]	X
fsr-3463	208	28	s	s	VERB
fsr-3463	208	29	tr	tr	NOUN
fsr-3463	208	30	o	o	NOUN
fsr-3463	208	31	n	n	PRON
fsr-3463	208	32	g	g	NOUN
fsr-3463	209	1	ly	ly	X
fsr-3463	209	2	d	d	NOUN
fsr-3463	209	3	is	be	AUX
fsr-3463	209	4	ag	ag	PROPN
fsr-3463	209	5	re	re	ADP
fsr-3463	209	6	e	e	X
fsr-3463	209	7	[	[	X
fsr-3463	209	8	2	2	NUM
fsr-3463	209	9	]	]	PUNCT
fsr-3463	209	10	v	v	ADP
fsr-3463	209	11	er	er	INTJ
fsr-3463	209	12	y	y	PROPN
fsr-3463	209	13	s	s	PROPN
fsr-3463	209	14	tr	tr	NOUN
fsr-3463	209	15	o	o	NOUN
fsr-3463	209	16	n	n	PRON
fsr-3463	209	17	g	g	NOUN
fsr-3463	210	1	ly	ly	X
fsr-3463	210	2	d	d	NOUN
fsr-3463	210	3	is	be	AUX
fsr-3463	210	4	ag	ag	PROPN
fsr-3463	210	5	re	re	ADP
fsr-3463	210	6	e	e	X
fsr-3463	210	7	[	[	X
fsr-3463	210	8	1	1	NUM
fsr-3463	210	9	]	]	PUNCT
fsr-3463	210	10	t	t	NOUN
fsr-3463	210	11	o	o	X
fsr-3463	210	12	w	w	NOUN
fsr-3463	210	13	h	h	NOUN
fsr-3463	210	14	at	at	ADP
fsr-3463	210	15	ex	ex	X
fsr-3463	210	16	te	te	ADP
fsr-3463	210	17	n	n	ADP
fsr-3463	210	18	t	t	NOUN
fsr-3463	211	1	d	d	X
fsr-3463	211	2	i	i	PROPN
fsr-3463	211	3	d	d	X
fsr-3463	211	4	th	th	X
fsr-3463	211	5	e	e	X
fsr-3463	211	6	ta	ta	X
fsr-3463	211	7	sk	sk	VERB
fsr-3463	211	8	s	s	PROPN
fsr-3463	211	9	in	in	ADP
fsr-3463	211	10	th	th	X
fsr-3463	211	11	is	be	AUX
fsr-3463	211	12	su	su	PROPN
fsr-3463	211	13	rv	rv	PROPN
fsr-3463	211	14	ey	ey	INTJ
fsr-3463	211	15	ev	ev	INTJ
fsr-3463	211	16	o	o	X
fsr-3463	211	17	k	k	PROPN
fsr-3463	211	18	e	e	X
fsr-3463	211	19	th	th	X
fsr-3463	211	20	o	o	X
fsr-3463	211	21	u	u	NOUN
fsr-3463	211	22	g	g	PROPN
fsr-3463	211	23	h	h	NOUN
fsr-3463	211	24	ts	ts	ADP
fsr-3463	212	1	o	o	X
fsr-3463	212	2	f	f	PROPN
fsr-3463	212	3	d	d	X
fsr-3463	212	4	ea	ea	X
fsr-3463	212	5	th	th	X
fsr-3463	212	6	?	?	PUNCT
fsr-3463	213	1	n	n	CCONJ
fsr-3463	213	2	ev	ev	INTJ
fsr-3463	214	1	er	er	INTJ
fsr-3463	214	2	[	[	X
fsr-3463	214	3	1	1	NUM
fsr-3463	214	4	]	]	PUNCT
fsr-3463	214	5	v	v	ADP
fsr-3463	214	6	er	er	INTJ
fsr-3463	214	7	y	y	PROPN
fsr-3463	214	8	r	r	PROPN
fsr-3463	214	9	ar	ar	PROPN
fsr-3463	214	10	el	el	PROPN
fsr-3463	214	11	y	y	PROPN
fsr-3463	215	1	[	[	X
fsr-3463	215	2	2	2	NUM
fsr-3463	215	3	]	]	PUNCT
fsr-3463	215	4	r	r	NOUN
fsr-3463	215	5	ar	ar	PROPN
fsr-3463	215	6	el	el	PROPN
fsr-3463	215	7	y	y	PROPN
fsr-3463	216	1	[	[	X
fsr-3463	216	2	3	3	X
fsr-3463	216	3	]	]	PUNCT
fsr-3463	216	4	o	o	X
fsr-3463	216	5	cc	cc	NOUN
fsr-3463	216	6	as	as	ADP
fsr-3463	216	7	io	io	PROPN
fsr-3463	216	8	n	n	PROPN
fsr-3463	216	9	al	al	PROPN
fsr-3463	216	10	ly	ly	X
fsr-3463	217	1	[	[	X
fsr-3463	217	2	4	4	NUM
fsr-3463	217	3	]	]	PUNCT
fsr-3463	217	4	f	f	X
fsr-3463	217	5	re	re	X
fsr-3463	217	6	q	q	PROPN
fsr-3463	217	7	u	u	PROPN
fsr-3463	217	8	en	en	ADP
fsr-3463	217	9	tl	tl	PROPN
fsr-3463	217	10	y	y	PROPN
fsr-3463	218	1	[	[	X
fsr-3463	218	2	5	5	NUM
fsr-3463	218	3	]	]	PUNCT
fsr-3463	218	4	v	v	ADP
fsr-3463	218	5	er	er	INTJ
fsr-3463	218	6	y	y	PROPN
fsr-3463	218	7	f	f	PROPN
fsr-3463	218	8	re	re	X
fsr-3463	218	9	q	q	PROPN
fsr-3463	218	10	u	u	PROPN
fsr-3463	218	11	en	en	ADP
fsr-3463	218	12	tl	tl	PROPN
fsr-3463	218	13	y	y	PROPN
fsr-3463	219	1	[	[	X
fsr-3463	219	2	6	6	NUM
fsr-3463	219	3	]	]	PUNCT
fsr-3463	219	4	c	c	NOUN
fsr-3463	219	5	h	h	PROPN
fsr-3463	220	1	an	an	DET
fsr-3463	220	2	ce	ce	PROPN
fsr-3463	220	3	li	li	PROPN
fsr-3463	220	4	v	v	ADP
fsr-3463	220	5	e	e	PROPN
fsr-3463	220	6	to	to	ADP
fsr-3463	220	7	1	1	NUM
fsr-3463	220	8	0	0	NUM
fsr-3463	220	9	0	0	NUM
fsr-3463	220	10	o	o	NOUN
fsr-3463	220	11	n	n	CCONJ
fsr-3463	220	12	a	a	DET
fsr-3463	220	13	sc	sc	NOUN
fsr-3463	220	14	al	al	PROPN
fsr-3463	220	15	e	e	PROPN
fsr-3463	221	1	fr	fr	NOUN
fsr-3463	221	2	o	o	NOUN
fsr-3463	221	3	m	m	VERB
fsr-3463	221	4	0	0	NUM
fsr-3463	221	5	%	%	NOUN
fsr-3463	221	6	to	to	ADP
fsr-3463	221	7	1	1	NUM
fsr-3463	221	8	0	0	NUM
fsr-3463	221	9	0	0	NUM
fsr-3463	221	10	%	%	NOUN
fsr-3463	221	11	,	,	PUNCT
fsr-3463	221	12	w	w	PROPN
fsr-3463	221	13	h	h	NOUN
fsr-3463	221	14	at	at	ADP
fsr-3463	221	15	ar	ar	PROPN
fsr-3463	221	16	e	e	PROPN
fsr-3463	221	17	th	th	X
fsr-3463	221	18	e	e	X
fsr-3463	221	19	ch	ch	PROPN
fsr-3463	221	20	an	an	PROPN
fsr-3463	221	21	ce	ce	PROPN
fsr-3463	221	22	s	s	X
fsr-3463	221	23	th	th	X
fsr-3463	221	24	at	at	ADP
fsr-3463	221	25	y	y	PROPN
fsr-3463	221	26	o	o	PROPN
fsr-3463	221	27	u	u	PROPN
fsr-3463	221	28	w	w	PROPN
fsr-3463	221	29	il	il	PROPN
fsr-3463	221	30	l	l	PROPN
fsr-3463	221	31	li	li	PROPN
fsr-3463	221	32	v	v	ADP
fsr-3463	221	33	e	e	NOUN
fsr-3463	221	34	to	to	ADP
fsr-3463	221	35	ag	ag	PROPN
fsr-3463	221	36	e	e	X
fsr-3463	221	37	1	1	NUM
fsr-3463	221	38	0	0	NUM
fsr-3463	221	39	0	0	NUM
fsr-3463	222	1	o	o	NOUN
fsr-3463	223	1	r	r	X
fsr-3463	223	2	o	o	X
fsr-3463	223	3	ld	ld	INTJ
fsr-3463	223	4	er	er	INTJ
fsr-3463	223	5	?	?	PUNCT
fsr-3463	224	1	p	p	X
fsr-3463	224	2	ro	ro	PROPN
fsr-3463	224	3	b	b	PROPN
fsr-3463	224	4	ab	ab	PROPN
fsr-3463	224	5	il	il	PROPN
fsr-3463	225	1	it	it	PRON
fsr-3463	226	1	y	y	NOUN
fsr-3463	226	2	o	o	X
fsr-3463	226	3	f	f	PROPN
fsr-3463	226	4	li	li	PROPN
fsr-3463	226	5	v	v	PROPN
fsr-3463	226	6	in	in	ADP
fsr-3463	226	7	g	g	NOUN
fsr-3463	226	8	to	to	ADP
fsr-3463	226	9	1	1	NUM
fsr-3463	226	10	0	0	NUM
fsr-3463	226	11	0	0	NUM
fsr-3463	226	12	:	:	PUNCT
fsr-3463	227	1	[	[	X
fsr-3463	227	2	0	0	NUM
fsr-3463	227	3	–	–	SYM
fsr-3463	227	4	1	1	NUM
fsr-3463	227	5	0	0	NUM
fsr-3463	227	6	0	0	NUM
fsr-3463	227	7	sl	sl	NUM
fsr-3463	227	8	i	i	PROPN
fsr-3463	227	9	d	d	PROPN
fsr-3463	227	10	er	er	INTJ
fsr-3463	227	11	b	b	PROPN
fsr-3463	227	12	ar	ar	PROPN
fsr-3463	227	13	]	]	PUNCT
fsr-3463	227	14	282	282	NUM
fsr-3463	227	15	y.	y.	PROPN
fsr-3463	227	16	yan	yan	PROPN
fsr-3463	227	17	and	and	CCONJ
fsr-3463	227	18	r.	r.	PROPN
fsr-3463	227	19	n.	n.	PROPN
fsr-3463	227	20	james	james	PROPN
fsr-3463	227	21	/	/	SYM
fsr-3463	227	22	financial	financial	ADJ
fsr-3463	227	23	services	service	NOUN
fsr-3463	227	24	review	review	VERB
fsr-3463	227	25	29	29	NUM
fsr-3463	227	26	(	(	PUNCT
fsr-3463	227	27	2021	2021	NUM
fsr-3463	227	28	)	)	PUNCT
fsr-3463	228	1	277–291	277–291	NUM
fsr-3463	228	2	the	the	DET
fsr-3463	228	3	institutional	institutional	ADJ
fsr-3463	228	4	review	review	NOUN
fsr-3463	228	5	board	board	NOUN
fsr-3463	228	6	for	for	ADP
fsr-3463	228	7	human	human	PROPN
fsr-3463	228	8	research	research	PROPN
fsr-3463	228	9	protection	protection	NOUN
fsr-3463	228	10	program	program	NOUN
fsr-3463	228	11	of	of	ADP
fsr-3463	228	12	the	the	DET
fsr-3463	228	13	second	second	ADJ
fsr-3463	228	14	author	author	NOUN
fsr-3463	228	15	’s	’s	PART
fsr-3463	228	16	affiliated	affiliate	VERB
fsr-3463	228	17	institution	institution	NOUN
fsr-3463	228	18	.	.	PUNCT
fsr-3463	229	1	3.2	3.2	NUM
fsr-3463	229	2	.	.	PUNCT
fsr-3463	230	1	variables	variable	NOUN
fsr-3463	230	2	table	table	NOUN
fsr-3463	230	3	1	1	NUM
fsr-3463	230	4	reports	report	VERB
fsr-3463	230	5	the	the	DET
fsr-3463	230	6	question	question	NOUN
fsr-3463	230	7	text	text	NOUN
fsr-3463	230	8	used	use	VERB
fsr-3463	230	9	to	to	PART
fsr-3463	230	10	generate	generate	VERB
fsr-3463	230	11	the	the	DET
fsr-3463	230	12	key	key	ADJ
fsr-3463	230	13	variables	variable	NOUN
fsr-3463	230	14	used	use	VERB
fsr-3463	230	15	in	in	ADP
fsr-3463	230	16	the	the	DET
fsr-3463	230	17	following	follow	VERB
fsr-3463	230	18	analyses	analysis	NOUN
fsr-3463	230	19	.	.	PUNCT
fsr-3463	231	1	reports	report	NOUN
fsr-3463	231	2	of	of	ADP
fsr-3463	231	3	education	education	NOUN
fsr-3463	231	4	level	level	NOUN
fsr-3463	231	5	were	be	AUX
fsr-3463	231	6	converted	convert	VERB
fsr-3463	231	7	to	to	ADP
fsr-3463	231	8	number	number	NOUN
fsr-3463	231	9	of	of	ADP
fsr-3463	231	10	years	year	NOUN
fsr-3463	231	11	of	of	ADP
fsr-3463	231	12	education	education	NOUN
fsr-3463	231	13	as	as	SCONJ
fsr-3463	231	14	follows	follow	VERB
fsr-3463	231	15	,	,	PUNCT
fsr-3463	231	16	nine	nine	NUM
fsr-3463	231	17	for	for	ADP
fsr-3463	231	18	“	"	PUNCT
fsr-3463	231	19	less	less	ADJ
fsr-3463	231	20	than	than	ADP
fsr-3463	231	21	high	high	ADJ
fsr-3463	231	22	school	school	NOUN
fsr-3463	231	23	diploma	diploma	NOUN
fsr-3463	231	24	,	,	PUNCT
fsr-3463	231	25	”	"	PUNCT
fsr-3463	231	26	12	12	NUM
fsr-3463	231	27	for	for	ADP
fsr-3463	231	28	“	"	PUNCT
fsr-3463	231	29	high	high	ADJ
fsr-3463	231	30	school	school	NOUN
fsr-3463	231	31	diploma	diploma	NOUN
fsr-3463	231	32	,	,	PUNCT
fsr-3463	231	33	”	"	PUNCT
fsr-3463	231	34	14	14	NUM
fsr-3463	231	35	for	for	ADP
fsr-3463	231	36	“	"	PUNCT
fsr-3463	231	37	some	some	DET
fsr-3463	231	38	college	college	NOUN
fsr-3463	231	39	or	or	CCONJ
fsr-3463	231	40	associates	associate	NOUN
fsr-3463	231	41	’	'	PUNCT
fsr-3463	231	42	degree	degree	NOUN
fsr-3463	231	43	,	,	PUNCT
fsr-3463	231	44	”	"	PUNCT
fsr-3463	231	45	16	16	NUM
fsr-3463	231	46	for	for	ADP
fsr-3463	231	47	“	"	PUNCT
fsr-3463	231	48	bachelor	bachelor	NOUN
fsr-3463	231	49	’s	’s	PART
fsr-3463	231	50	degree	degree	NOUN
fsr-3463	231	51	,	,	PUNCT
fsr-3463	231	52	”	"	PUNCT
fsr-3463	231	53	and	and	CCONJ
fsr-3463	231	54	19	19	NUM
fsr-3463	231	55	for	for	ADP
fsr-3463	231	56	“	"	PUNCT
fsr-3463	231	57	graduate	graduate	NOUN
fsr-3463	231	58	degree	degree	NOUN
fsr-3463	231	59	.	.	PUNCT
fsr-3463	231	60	”	"	PUNCT
fsr-3463	232	1	categorical	categorical	ADJ
fsr-3463	232	2	reports	report	NOUN
fsr-3463	232	3	of	of	ADP
fsr-3463	232	4	income	income	NOUN
fsr-3463	232	5	were	be	AUX
fsr-3463	232	6	converted	convert	VERB
fsr-3463	232	7	to	to	ADP
fsr-3463	232	8	$	$	SYM
fsr-3463	232	9	10,000	10,000	NUM
fsr-3463	232	10	(	(	PUNCT
fsr-3463	232	11	for	for	ADP
fsr-3463	232	12	less	less	ADJ
fsr-3463	232	13	than	than	ADP
fsr-3463	232	14	$	$	SYM
fsr-3463	232	15	10,000	10,000	NUM
fsr-3463	232	16	category	category	NOUN
fsr-3463	232	17	)	)	PUNCT
fsr-3463	232	18	,	,	PUNCT
fsr-3463	232	19	category	category	NOUN
fsr-3463	232	20	midpoints	midpoint	NOUN
fsr-3463	232	21	of	of	ADP
fsr-3463	232	22	$	$	SYM
fsr-3463	232	23	15,000	15,000	NUM
fsr-3463	232	24	,	,	PUNCT
fsr-3463	232	25	$	$	SYM
fsr-3463	232	26	25,000	25,000	NUM
fsr-3463	232	27	,	,	PUNCT
fsr-3463	232	28	$	$	SYM
fsr-3463	232	29	35,000	35,000	NUM
fsr-3463	232	30	,	,	PUNCT
fsr-3463	232	31	$	$	SYM
fsr-3463	232	32	45,000	45,000	NUM
fsr-3463	232	33	,	,	PUNCT
fsr-3463	232	34	$	$	SYM
fsr-3463	232	35	55,000	55,000	NUM
fsr-3463	232	36	,	,	PUNCT
fsr-3463	232	37	$	$	SYM
fsr-3463	232	38	65,000	65,000	NUM
fsr-3463	232	39	,	,	PUNCT
fsr-3463	232	40	$	$	SYM
fsr-3463	232	41	75,000	75,000	NUM
fsr-3463	232	42	,	,	PUNCT
fsr-3463	232	43	$	$	SYM
fsr-3463	232	44	85,000	85,000	NUM
fsr-3463	232	45	,	,	PUNCT
fsr-3463	232	46	$	$	SYM
fsr-3463	232	47	95,000	95,000	NUM
fsr-3463	232	48	,	,	PUNCT
fsr-3463	232	49	and	and	CCONJ
fsr-3463	232	50	$	$	SYM
fsr-3463	232	51	125,000	125,000	NUM
fsr-3463	232	52	,	,	PUNCT
fsr-3463	232	53	and	and	CCONJ
fsr-3463	232	54	finally	finally	ADV
fsr-3463	232	55	$	$	SYM
fsr-3463	232	56	150,000	150,000	NUM
fsr-3463	232	57	for	for	ADP
fsr-3463	232	58	greater	great	ADJ
fsr-3463	232	59	than	than	ADP
fsr-3463	232	60	$	$	SYM
fsr-3463	232	61	150,000	150,000	NUM
fsr-3463	232	62	.	.	PUNCT
fsr-3463	233	1	in	in	ADP
fsr-3463	233	2	the	the	DET
fsr-3463	233	3	following	follow	VERB
fsr-3463	233	4	regressions	regression	NOUN
fsr-3463	233	5	,	,	PUNCT
fsr-3463	233	6	socio	socio	NOUN
fsr-3463	233	7	-	-	ADJ
fsr-3463	233	8	demographic	demographic	ADJ
fsr-3463	233	9	control	control	NOUN
fsr-3463	233	10	variables	variable	NOUN
fsr-3463	233	11	were	be	AUX
fsr-3463	233	12	also	also	ADV
fsr-3463	233	13	included	include	VERB
fsr-3463	233	14	.	.	PUNCT
fsr-3463	234	1	more	more	ADJ
fsr-3463	234	2	years	year	NOUN
fsr-3463	234	3	of	of	ADP
fsr-3463	234	4	education	education	NOUN
fsr-3463	234	5	may	may	AUX
fsr-3463	234	6	be	be	AUX
fsr-3463	234	7	associated	associate	VERB
fsr-3463	234	8	with	with	ADP
fsr-3463	234	9	greater	great	ADJ
fsr-3463	234	10	financial	financial	ADJ
fsr-3463	234	11	literacy	literacy	NOUN
fsr-3463	234	12	(	(	PUNCT
fsr-3463	234	13	van	van	NOUN
fsr-3463	234	14	rooij	rooij	NOUN
fsr-3463	234	15	,	,	PUNCT
fsr-3463	234	16	lusardi	lusardi	PROPN
fsr-3463	234	17	,	,	PUNCT
fsr-3463	234	18	&	&	CCONJ
fsr-3463	234	19	alessie	alessie	PROPN
fsr-3463	234	20	,	,	PUNCT
fsr-3463	234	21	2011	2011	NUM
fsr-3463	234	22	)	)	PUNCT
fsr-3463	234	23	.	.	PUNCT
fsr-3463	235	1	this	this	PRON
fsr-3463	235	2	might	might	AUX
fsr-3463	235	3	increase	increase	VERB
fsr-3463	235	4	the	the	DET
fsr-3463	235	5	likelihood	likelihood	NOUN
fsr-3463	235	6	of	of	ADP
fsr-3463	235	7	understanding	understand	VERB
fsr-3463	235	8	the	the	DET
fsr-3463	235	9	bequest	bequ	ADJ
fsr-3463	235	10	protection	protection	NOUN
fsr-3463	235	11	argument	argument	NOUN
fsr-3463	235	12	,	,	PUNCT
fsr-3463	235	13	but	but	CCONJ
fsr-3463	235	14	also	also	ADV
fsr-3463	235	15	increase	increase	VERB
fsr-3463	235	16	the	the	DET
fsr-3463	235	17	likelihood	likelihood	NOUN
fsr-3463	235	18	of	of	ADP
fsr-3463	235	19	having	having	AUX
fsr-3463	235	20	already	already	ADV
fsr-3463	235	21	considered	consider	VERB
fsr-3463	235	22	the	the	DET
fsr-3463	235	23	argument	argument	NOUN
fsr-3463	235	24	before	before	ADP
fsr-3463	235	25	the	the	DET
fsr-3463	235	26	framing	frame	VERB
fsr-3463	235	27	intervention	intervention	NOUN
fsr-3463	235	28	.	.	PUNCT
fsr-3463	236	1	alternatively	alternatively	ADV
fsr-3463	236	2	,	,	PUNCT
fsr-3463	236	3	high	high	ADJ
fsr-3463	236	4	education	education	NOUN
fsr-3463	236	5	may	may	AUX
fsr-3463	236	6	be	be	AUX
fsr-3463	236	7	associated	associate	VERB
fsr-3463	236	8	with	with	ADP
fsr-3463	236	9	disagreement	disagreement	NOUN
fsr-3463	236	10	with	with	ADP
fsr-3463	236	11	the	the	DET
fsr-3463	236	12	framing	frame	VERB
fsr-3463	236	13	claim	claim	NOUN
fsr-3463	236	14	resulting	result	VERB
fsr-3463	236	15	from	from	ADP
fsr-3463	236	16	acceptance	acceptance	NOUN
fsr-3463	236	17	of	of	ADP
fsr-3463	236	18	an	an	DET
fsr-3463	236	19	alternative	alternative	ADJ
fsr-3463	236	20	investment	investment	NOUN
fsr-3463	236	21	strategy	strategy	NOUN
fsr-3463	236	22	,	,	PUNCT
fsr-3463	236	23	such	such	ADJ
fsr-3463	236	24	as	as	ADP
fsr-3463	236	25	replacing	replace	VERB
fsr-3463	236	26	annuities	annuity	NOUN
fsr-3463	236	27	with	with	ADP
fsr-3463	236	28	mutual	mutual	ADJ
fsr-3463	236	29	fund	fund	NOUN
fsr-3463	236	30	investments	investment	NOUN
fsr-3463	236	31	and	and	CCONJ
fsr-3463	236	32	protecting	protect	VERB
fsr-3463	236	33	an	an	DET
fsr-3463	236	34	inheritance	inheritance	NOUN
fsr-3463	236	35	by	by	ADP
fsr-3463	236	36	accumulating	accumulate	VERB
fsr-3463	236	37	sufficient	sufficient	ADJ
fsr-3463	236	38	wealth	wealth	NOUN
fsr-3463	236	39	to	to	PART
fsr-3463	236	40	provide	provide	VERB
fsr-3463	236	41	for	for	ADP
fsr-3463	236	42	any	any	DET
fsr-3463	236	43	income	income	NOUN
fsr-3463	236	44	needs	need	NOUN
fsr-3463	236	45	(	(	PUNCT
fsr-3463	236	46	pang	pang	NOUN
fsr-3463	236	47	&	&	CCONJ
fsr-3463	236	48	warshawsky	warshawsky	PROPN
fsr-3463	236	49	,	,	PUNCT
fsr-3463	236	50	2010	2010	NUM
fsr-3463	236	51	)	)	PUNCT
fsr-3463	236	52	.	.	PUNCT
fsr-3463	237	1	income	income	NOUN
fsr-3463	237	2	is	be	AUX
fsr-3463	237	3	also	also	ADV
fsr-3463	237	4	associated	associate	VERB
fsr-3463	237	5	with	with	ADP
fsr-3463	237	6	financial	financial	ADJ
fsr-3463	237	7	sophistication	sophistication	NOUN
fsr-3463	237	8	and	and	CCONJ
fsr-3463	237	9	may	may	AUX
fsr-3463	237	10	impact	impact	VERB
fsr-3463	237	11	the	the	DET
fsr-3463	237	12	acceptance	acceptance	NOUN
fsr-3463	237	13	of	of	ADP
fsr-3463	237	14	the	the	DET
fsr-3463	237	15	framing	frame	VERB
fsr-3463	237	16	argument	argument	NOUN
fsr-3463	237	17	(	(	PUNCT
fsr-3463	237	18	van	van	NOUN
fsr-3463	237	19	rooij	rooij	NOUN
fsr-3463	237	20	,	,	PUNCT
fsr-3463	237	21	lusardi	lusardi	PROPN
fsr-3463	237	22	,	,	PUNCT
fsr-3463	237	23	&	&	CCONJ
fsr-3463	237	24	alessie	alessie	PROPN
fsr-3463	237	25	,	,	PUNCT
fsr-3463	237	26	2011	2011	NUM
fsr-3463	237	27	)	)	PUNCT
fsr-3463	237	28	.	.	PUNCT
fsr-3463	238	1	the	the	DET
fsr-3463	238	2	longer	long	ADJ
fsr-3463	238	3	one	one	NOUN
fsr-3463	238	4	expects	expect	VERB
fsr-3463	238	5	to	to	PART
fsr-3463	238	6	live	live	VERB
fsr-3463	238	7	,	,	PUNCT
fsr-3463	238	8	the	the	PRON
fsr-3463	238	9	more	more	ADV
fsr-3463	238	10	relevant	relevant	ADJ
fsr-3463	238	11	the	the	DET
fsr-3463	238	12	bequest	bequ	ADJ
fsr-3463	238	13	protection	protection	NOUN
fsr-3463	238	14	argument	argument	NOUN
fsr-3463	238	15	becomes	become	VERB
fsr-3463	238	16	.	.	PUNCT
fsr-3463	239	1	a	a	DET
fsr-3463	239	2	standard	standard	ADJ
fsr-3463	239	3	annuity	annuity	NOUN
fsr-3463	239	4	involves	involve	VERB
fsr-3463	239	5	a	a	DET
fsr-3463	239	6	bet	bet	NOUN
fsr-3463	239	7	on	on	ADP
fsr-3463	239	8	one	one	NUM
fsr-3463	239	9	’s	’s	PART
fsr-3463	239	10	longevity	longevity	NOUN
fsr-3463	239	11	.	.	PUNCT
fsr-3463	240	1	thus	thus	ADV
fsr-3463	240	2	,	,	PUNCT
fsr-3463	240	3	a	a	DET
fsr-3463	240	4	simple	simple	ADJ
fsr-3463	240	5	measurement	measurement	NOUN
fsr-3463	240	6	of	of	ADP
fsr-3463	240	7	subjectively	subjectively	ADV
fsr-3463	240	8	anticipated	anticipate	VERB
fsr-3463	240	9	longevity	longevity	NOUN
fsr-3463	240	10	—	—	PUNCT
fsr-3463	240	11	the	the	DET
fsr-3463	240	12	chance	chance	NOUN
fsr-3463	240	13	one	one	PRON
fsr-3463	240	14	will	will	AUX
fsr-3463	240	15	live	live	VERB
fsr-3463	240	16	to	to	ADP
fsr-3463	240	17	age	age	NOUN
fsr-3463	240	18	100	100	NUM
fsr-3463	240	19	—	—	PUNCT
fsr-3463	240	20	is	be	AUX
fsr-3463	240	21	included	include	VERB
fsr-3463	240	22	.	.	PUNCT
fsr-3463	241	1	age	age	NOUN
fsr-3463	241	2	is	be	AUX
fsr-3463	241	3	included	include	VERB
fsr-3463	241	4	as	as	SCONJ
fsr-3463	241	5	it	it	PRON
fsr-3463	241	6	has	have	AUX
fsr-3463	241	7	been	be	AUX
fsr-3463	241	8	associated	associate	VERB
fsr-3463	241	9	with	with	ADP
fsr-3463	241	10	both	both	CCONJ
fsr-3463	241	11	financial	financial	ADJ
fsr-3463	241	12	literacy	literacy	NOUN
fsr-3463	241	13	and	and	CCONJ
fsr-3463	241	14	the	the	DET
fsr-3463	241	15	confidence	confidence	NOUN
fsr-3463	241	16	in	in	ADP
fsr-3463	241	17	one	one	NUM
fsr-3463	241	18	’s	’s	PART
fsr-3463	241	19	beliefs	belief	NOUN
fsr-3463	241	20	about	about	ADP
fsr-3463	241	21	financial	financial	ADJ
fsr-3463	241	22	products	product	NOUN
fsr-3463	241	23	(	(	PUNCT
fsr-3463	241	24	such	such	ADJ
fsr-3463	241	25	as	as	ADP
fsr-3463	241	26	annuities	annuity	NOUN
fsr-3463	241	27	)	)	PUNCT
fsr-3463	241	28	and	and	CCONJ
fsr-3463	241	29	may	may	AUX
fsr-3463	241	30	impact	impact	VERB
fsr-3463	241	31	the	the	DET
fsr-3463	241	32	influence	influence	NOUN
fsr-3463	241	33	of	of	ADP
fsr-3463	241	34	a	a	DET
fsr-3463	241	35	framing	frame	VERB
fsr-3463	241	36	argument	argument	NOUN
fsr-3463	241	37	(	(	PUNCT
fsr-3463	241	38	finke	finke	PROPN
fsr-3463	241	39	,	,	PUNCT
fsr-3463	241	40	howe	howe	NOUN
fsr-3463	241	41	,	,	PUNCT
fsr-3463	241	42	&	&	CCONJ
fsr-3463	241	43	huston	huston	PROPN
fsr-3463	241	44	,	,	PUNCT
fsr-3463	241	45	2017	2017	NUM
fsr-3463	241	46	)	)	PUNCT
fsr-3463	241	47	.	.	PUNCT
fsr-3463	242	1	gender	gender	NOUN
fsr-3463	242	2	is	be	AUX
fsr-3463	242	3	table	table	NOUN
fsr-3463	242	4	2	2	NUM
fsr-3463	242	5	descriptive	descriptive	ADJ
fsr-3463	242	6	statistics	statistic	NOUN
fsr-3463	242	7	variable	variable	ADJ
fsr-3463	242	8	mean	mean	NOUN
fsr-3463	242	9	(	(	PUNCT
fsr-3463	242	10	sd	sd	NOUN
fsr-3463	242	11	)	)	PUNCT
fsr-3463	242	12	min	min	NOUN
fsr-3463	242	13	max	max	PROPN
fsr-3463	242	14	age	age	NOUN
fsr-3463	242	15	44.973	44.973	NUM
fsr-3463	242	16	(	(	PUNCT
fsr-3463	242	17	16.061	16.061	NUM
fsr-3463	242	18	)	)	PUNCT
fsr-3463	242	19	19	19	NUM
fsr-3463	242	20	85	85	NUM
fsr-3463	242	21	male	male	NOUN
fsr-3463	242	22	0.509	0.509	NUM
fsr-3463	242	23	(	(	PUNCT
fsr-3463	242	24	0.500	0.500	NUM
fsr-3463	242	25	)	)	PUNCT
fsr-3463	242	26	0	0	NUM
fsr-3463	242	27	1	1	NUM
fsr-3463	242	28	income	income	NOUN
fsr-3463	242	29	54.912	54.912	NUM
fsr-3463	242	30	(	(	PUNCT
fsr-3463	242	31	34.108	34.108	NUM
fsr-3463	242	32	)	)	PUNCT
fsr-3463	242	33	10	10	NUM
fsr-3463	242	34	150	150	NUM
fsr-3463	242	35	education	education	NOUN
fsr-3463	242	36	years	year	NOUN
fsr-3463	242	37	15.525	15.525	NUM
fsr-3463	242	38	(	(	PUNCT
fsr-3463	242	39	1.995	1.995	NUM
fsr-3463	242	40	)	)	PUNCT
fsr-3463	242	41	9	9	NUM
fsr-3463	242	42	19	19	NUM
fsr-3463	242	43	annuity	annuity	NOUN
fsr-3463	242	44	chance	chance	NOUN
fsr-3463	242	45	(	(	PUNCT
fsr-3463	242	46	pre	pre	ADJ
fsr-3463	242	47	-	-	ADJ
fsr-3463	242	48	framing	framing	ADJ
fsr-3463	242	49	)	)	PUNCT
fsr-3463	242	50	49.635	49.635	NUM
fsr-3463	242	51	(	(	PUNCT
fsr-3463	242	52	27.179	27.179	NUM
fsr-3463	242	53	)	)	PUNCT
fsr-3463	242	54	0	0	NUM
fsr-3463	242	55	100	100	NUM
fsr-3463	242	56	annuity	annuity	NOUN
fsr-3463	242	57	chance	chance	NOUN
fsr-3463	242	58	(	(	PUNCT
fsr-3463	242	59	post	post	ADJ
fsr-3463	242	60	-	-	ADJ
fsr-3463	242	61	framing	framing	ADJ
fsr-3463	242	62	)	)	PUNCT
fsr-3463	242	63	53.992	53.992	NUM
fsr-3463	242	64	(	(	PUNCT
fsr-3463	242	65	27.685	27.685	NUM
fsr-3463	242	66	)	)	PUNCT
fsr-3463	242	67	0	0	NUM
fsr-3463	242	68	100	100	NUM
fsr-3463	242	69	annuity	annuity	NOUN
fsr-3463	242	70	interest	interest	NOUN
fsr-3463	242	71	increased	increase	VERB
fsr-3463	242	72	0.493	0.493	NUM
fsr-3463	242	73	(	(	PUNCT
fsr-3463	242	74	0.500	0.500	NUM
fsr-3463	242	75	)	)	PUNCT
fsr-3463	242	76	0	0	NUM
fsr-3463	242	77	1	1	NUM
fsr-3463	242	78	annuity	annuity	NOUN
fsr-3463	242	79	interest	interest	NOUN
fsr-3463	242	80	decreased	decrease	VERB
fsr-3463	242	81	0.231	0.231	NUM
fsr-3463	242	82	(	(	PUNCT
fsr-3463	242	83	0.421	0.421	NUM
fsr-3463	242	84	)	)	PUNCT
fsr-3463	242	85	0	0	NUM
fsr-3463	242	86	1	1	NUM
fsr-3463	242	87	agree	agree	VERB
fsr-3463	242	88	framing	frame	VERB
fsr-3463	242	89	argument	argument	NOUN
fsr-3463	242	90	0.789	0.789	NUM
fsr-3463	242	91	(	(	PUNCT
fsr-3463	242	92	0.408	0.408	NUM
fsr-3463	242	93	)	)	PUNCT
fsr-3463	242	94	0	0	NUM
fsr-3463	242	95	1	1	NUM
fsr-3463	242	96	bequest	bequest	NOUN
fsr-3463	242	97	motive	motive	VERB
fsr-3463	242	98	54.390	54.390	NUM
fsr-3463	242	99	(	(	PUNCT
fsr-3463	242	100	34.571	34.571	NUM
fsr-3463	242	101	)	)	PUNCT
fsr-3463	242	102	0	0	NUM
fsr-3463	242	103	100	100	NUM
fsr-3463	242	104	chance	chance	NOUN
fsr-3463	242	105	live	live	VERB
fsr-3463	242	106	to	to	ADP
fsr-3463	242	107	100	100	NUM
fsr-3463	242	108	31.010	31.010	NUM
fsr-3463	242	109	(	(	PUNCT
fsr-3463	242	110	29.007	29.007	NUM
fsr-3463	242	111	)	)	PUNCT
fsr-3463	242	112	0	0	NUM
fsr-3463	242	113	100	100	NUM
fsr-3463	242	114	mortality	mortality	NOUN
fsr-3463	242	115	salience	salience	NOUN
fsr-3463	242	116	11.460	11.460	NUM
fsr-3463	242	117	(	(	PUNCT
fsr-3463	242	118	3.525	3.525	NUM
fsr-3463	242	119	)	)	PUNCT
fsr-3463	242	120	3	3	NUM
fsr-3463	242	121	18	18	NUM
fsr-3463	242	122	n	n	NUM
fsr-3463	242	123	2,160	2,160	NUM
fsr-3463	242	124	y.	y.	PROPN
fsr-3463	242	125	yan	yan	PROPN
fsr-3463	242	126	and	and	CCONJ
fsr-3463	242	127	r.	r.	PROPN
fsr-3463	242	128	n.	n.	PROPN
fsr-3463	242	129	james	james	PROPN
fsr-3463	242	130	/	/	SYM
fsr-3463	242	131	financial	financial	ADJ
fsr-3463	242	132	services	service	NOUN
fsr-3463	242	133	review	review	VERB
fsr-3463	242	134	29	29	NUM
fsr-3463	242	135	(	(	PUNCT
fsr-3463	242	136	2021	2021	NUM
fsr-3463	242	137	)	)	PUNCT
fsr-3463	243	1	277–291	277–291	NUM
fsr-3463	243	2	283	283	NUM
fsr-3463	243	3	included	include	VERB
fsr-3463	243	4	as	as	SCONJ
fsr-3463	243	5	some	some	DET
fsr-3463	243	6	research	research	NOUN
fsr-3463	243	7	has	have	AUX
fsr-3463	243	8	found	find	VERB
fsr-3463	243	9	females	female	NOUN
fsr-3463	243	10	to	to	PART
fsr-3463	243	11	be	be	AUX
fsr-3463	243	12	more	more	ADJ
fsr-3463	243	13	risk	risk	NOUN
fsr-3463	243	14	averse	averse	ADJ
fsr-3463	243	15	than	than	ADP
fsr-3463	243	16	males	male	NOUN
fsr-3463	243	17	when	when	SCONJ
fsr-3463	243	18	they	they	PRON
fsr-3463	243	19	make	make	VERB
fsr-3463	243	20	financial	financial	ADJ
fsr-3463	243	21	decisions	decision	NOUN
fsr-3463	243	22	in	in	ADP
fsr-3463	243	23	general	general	ADJ
fsr-3463	243	24	(	(	PUNCT
fsr-3463	243	25	jianakoplos	jianakoplos	PROPN
fsr-3463	243	26	&	&	CCONJ
fsr-3463	243	27	bernasek	bernasek	PROPN
fsr-3463	243	28	,	,	PUNCT
fsr-3463	243	29	1998	1998	NUM
fsr-3463	243	30	)	)	PUNCT
fsr-3463	243	31	and	and	CCONJ
fsr-3463	243	32	with	with	ADP
fsr-3463	243	33	regard	regard	NOUN
fsr-3463	243	34	to	to	ADP
fsr-3463	243	35	annuities	annuity	NOUN
fsr-3463	243	36	in	in	ADP
fsr-3463	243	37	particular	particular	ADJ
fsr-3463	243	38	(	(	PUNCT
fsr-3463	243	39	agnew	agnew	PROPN
fsr-3463	243	40	et	et	PROPN
fsr-3463	243	41	al	al	PROPN
fsr-3463	243	42	.	.	PROPN
fsr-3463	243	43	,	,	PUNCT
fsr-3463	243	44	2008	2008	NUM
fsr-3463	243	45	)	)	PUNCT
fsr-3463	243	46	.	.	PUNCT
fsr-3463	244	1	as	as	ADP
fsr-3463	244	2	such	such	ADJ
fsr-3463	244	3	,	,	PUNCT
fsr-3463	244	4	females	female	NOUN
fsr-3463	244	5	may	may	AUX
fsr-3463	244	6	respond	respond	VERB
fsr-3463	244	7	more	more	ADV
fsr-3463	244	8	favorably	favorably	ADV
fsr-3463	244	9	to	to	ADP
fsr-3463	244	10	the	the	DET
fsr-3463	244	11	framing	framing	NOUN
fsr-3463	244	12	of	of	ADP
fsr-3463	244	13	an	an	DET
fsr-3463	244	14	annuity	annuity	NOUN
fsr-3463	244	15	as	as	ADP
fsr-3463	244	16	a	a	DET
fsr-3463	244	17	hedge	hedge	NOUN
fsr-3463	244	18	against	against	ADP
fsr-3463	244	19	a	a	DET
fsr-3463	244	20	risk	risk	NOUN
fsr-3463	244	21	of	of	ADP
fsr-3463	244	22	total	total	ADJ
fsr-3463	244	23	bequest	bequest	NOUN
fsr-3463	244	24	depletion	depletion	NOUN
fsr-3463	244	25	.	.	PUNCT
fsr-3463	245	1	table	table	NOUN
fsr-3463	245	2	2	2	NUM
fsr-3463	245	3	reports	report	NOUN
fsr-3463	245	4	sample	sample	NOUN
fsr-3463	245	5	means	mean	NOUN
fsr-3463	245	6	,	,	PUNCT
fsr-3463	245	7	standard	standard	ADJ
fsr-3463	245	8	deviations	deviation	NOUN
fsr-3463	245	9	,	,	PUNCT
fsr-3463	245	10	minimums	minimum	NOUN
fsr-3463	245	11	,	,	PUNCT
fsr-3463	245	12	and	and	CCONJ
fsr-3463	245	13	maximums	maximum	NOUN
fsr-3463	245	14	.	.	PUNCT
fsr-3463	246	1	the	the	DET
fsr-3463	246	2	average	average	ADJ
fsr-3463	246	3	respondent	respondent	NOUN
fsr-3463	246	4	age	age	NOUN
fsr-3463	246	5	was	be	AUX
fsr-3463	246	6	45	45	NUM
fsr-3463	246	7	with	with	ADP
fsr-3463	246	8	51	51	NUM
fsr-3463	246	9	%	%	NOUN
fsr-3463	246	10	of	of	ADP
fsr-3463	246	11	respondents	respondent	NOUN
fsr-3463	246	12	being	be	AUX
fsr-3463	246	13	male	male	ADJ
fsr-3463	246	14	.	.	PUNCT
fsr-3463	247	1	average	average	ADJ
fsr-3463	247	2	years	year	NOUN
fsr-3463	247	3	of	of	ADP
fsr-3463	247	4	education	education	NOUN
fsr-3463	247	5	was	be	AUX
fsr-3463	247	6	15.5	15.5	NUM
fsr-3463	247	7	,	,	PUNCT
fsr-3463	247	8	and	and	CCONJ
fsr-3463	247	9	average	average	ADJ
fsr-3463	247	10	income	income	NOUN
fsr-3463	247	11	was	be	AUX
fsr-3463	247	12	$	$	SYM
fsr-3463	247	13	55,000	55,000	NUM
fsr-3463	247	14	per	per	ADP
fsr-3463	247	15	year	year	NOUN
fsr-3463	247	16	.	.	PUNCT
fsr-3463	248	1	3.3	3.3	NUM
fsr-3463	248	2	.	.	PUNCT
fsr-3463	248	3	hypothesis	hypothesis	NOUN
fsr-3463	248	4	1	1	NUM
fsr-3463	248	5	:	:	PUNCT
fsr-3463	248	6	results	result	NOUN
fsr-3463	248	7	table	table	NOUN
fsr-3463	248	8	1	1	NUM
fsr-3463	248	9	indicates	indicate	VERB
fsr-3463	248	10	that	that	SCONJ
fsr-3463	248	11	the	the	DET
fsr-3463	248	12	mean	mean	ADJ
fsr-3463	248	13	percentage	percentage	NOUN
fsr-3463	248	14	likelihood	likelihood	NOUN
fsr-3463	248	15	of	of	ADP
fsr-3463	248	16	purchasing	purchase	VERB
fsr-3463	248	17	an	an	DET
fsr-3463	248	18	annuity	annuity	NOUN
fsr-3463	248	19	as	as	ADP
fsr-3463	248	20	part	part	NOUN
fsr-3463	248	21	of	of	ADP
fsr-3463	248	22	retirement	retirement	NOUN
fsr-3463	248	23	planning	planning	NOUN
fsr-3463	248	24	(	(	PUNCT
fsr-3463	248	25	annuity	annuity	NOUN
fsr-3463	248	26	chance	chance	NOUN
fsr-3463	248	27	)	)	PUNCT
fsr-3463	248	28	increased	increase	VERB
fsr-3463	248	29	following	follow	VERB
fsr-3463	248	30	the	the	DET
fsr-3463	248	31	bequest	bequ	ADJ
fsr-3463	248	32	protection	protection	NOUN
fsr-3463	248	33	framing	frame	VERB
fsr-3463	248	34	statement	statement	NOUN
fsr-3463	248	35	.	.	PUNCT
fsr-3463	249	1	a	a	DET
fsr-3463	249	2	two	two	NUM
fsr-3463	249	3	-	-	PUNCT
fsr-3463	249	4	tailed	tail	VERB
fsr-3463	249	5	paired	pair	VERB
fsr-3463	249	6	t	t	NOUN
fsr-3463	249	7	test	test	NOUN
fsr-3463	249	8	finds	find	VERB
fsr-3463	249	9	that	that	SCONJ
fsr-3463	249	10	this	this	DET
fsr-3463	249	11	difference	difference	NOUN
fsr-3463	249	12	is	be	AUX
fsr-3463	249	13	statistically	statistically	ADV
fsr-3463	249	14	significant	significant	ADJ
fsr-3463	249	15	at	at	ADP
fsr-3463	249	16	p	p	X
fsr-3463	249	17	<	<	X
fsr-3463	249	18	.0001	.0001	X
fsr-3463	249	19	.	.	PUNCT
fsr-3463	250	1	additionally	additionally	ADV
fsr-3463	250	2	,	,	PUNCT
fsr-3463	250	3	the	the	DET
fsr-3463	250	4	percentage	percentage	NOUN
fsr-3463	250	5	likelihood	likelihood	NOUN
fsr-3463	250	6	of	of	ADP
fsr-3463	250	7	purchasing	purchase	VERB
fsr-3463	250	8	an	an	DET
fsr-3463	250	9	annuity	annuity	NOUN
fsr-3463	250	10	as	as	ADP
fsr-3463	250	11	part	part	NOUN
fsr-3463	250	12	of	of	ADP
fsr-3463	250	13	retirement	retirement	NOUN
fsr-3463	250	14	planning	planning	NOUN
fsr-3463	250	15	increased	increase	VERB
fsr-3463	250	16	following	follow	VERB
fsr-3463	250	17	the	the	DET
fsr-3463	250	18	bequest	bequ	ADJ
fsr-3463	250	19	protection	protection	NOUN
fsr-3463	250	20	framing	frame	VERB
fsr-3463	250	21	statement	statement	NOUN
fsr-3463	250	22	for	for	ADP
fsr-3463	250	23	49.3	49.3	NUM
fsr-3463	250	24	%	%	NOUN
fsr-3463	250	25	of	of	ADP
fsr-3463	250	26	respondents	respondent	NOUN
fsr-3463	250	27	but	but	CCONJ
fsr-3463	250	28	decreased	decrease	VERB
fsr-3463	250	29	for	for	ADP
fsr-3463	250	30	only	only	ADV
fsr-3463	250	31	23.1	23.1	NUM
fsr-3463	250	32	%	%	NOUN
fsr-3463	250	33	of	of	ADP
fsr-3463	250	34	respondents	respondent	NOUN
fsr-3463	250	35	.	.	PUNCT
fsr-3463	251	1	both	both	PRON
fsr-3463	251	2	findings	finding	VERB
fsr-3463	251	3	support	support	NOUN
fsr-3463	251	4	hypothesis	hypothesis	NOUN
fsr-3463	251	5	1	1	NUM
fsr-3463	251	6	.	.	PUNCT
fsr-3463	252	1	these	these	DET
fsr-3463	252	2	two	two	NUM
fsr-3463	252	3	outcomes	outcome	NOUN
fsr-3463	252	4	measure	measure	VERB
fsr-3463	252	5	the	the	DET
fsr-3463	252	6	change	change	NOUN
fsr-3463	252	7	in	in	ADP
fsr-3463	252	8	likelihood	likelihood	NOUN
fsr-3463	252	9	of	of	ADP
fsr-3463	252	10	using	use	VERB
fsr-3463	252	11	an	an	DET
fsr-3463	252	12	annuity	annuity	NOUN
fsr-3463	252	13	in	in	ADP
fsr-3463	252	14	two	two	NUM
fsr-3463	252	15	different	different	ADJ
fsr-3463	252	16	ways	way	NOUN
fsr-3463	252	17	.	.	PUNCT
fsr-3463	253	1	the	the	DET
fsr-3463	253	2	pre	pre	X
fsr-3463	253	3	versus	versus	ADP
fsr-3463	253	4	post	post	VERB
fsr-3463	253	5	comparison	comparison	NOUN
fsr-3463	253	6	of	of	ADP
fsr-3463	253	7	probability	probability	NOUN
fsr-3463	253	8	changes	change	NOUN
fsr-3463	253	9	measures	measure	VERB
fsr-3463	253	10	the	the	DET
fsr-3463	253	11	magnitude	magnitude	NOUN
fsr-3463	253	12	of	of	ADP
fsr-3463	253	13	the	the	DET
fsr-3463	253	14	change	change	NOUN
fsr-3463	253	15	.	.	PUNCT
fsr-3463	254	1	this	this	PRON
fsr-3463	254	2	is	be	AUX
fsr-3463	254	3	important	important	ADJ
fsr-3463	254	4	but	but	CCONJ
fsr-3463	254	5	is	be	AUX
fsr-3463	254	6	also	also	ADV
fsr-3463	254	7	subject	subject	ADJ
fsr-3463	254	8	to	to	ADP
fsr-3463	254	9	the	the	DET
fsr-3463	254	10	effects	effect	NOUN
fsr-3463	254	11	of	of	ADP
fsr-3463	254	12	outliers	outlier	NOUN
fsr-3463	254	13	where	where	SCONJ
fsr-3463	254	14	very	very	ADV
fsr-3463	254	15	large	large	ADJ
fsr-3463	254	16	changes	change	NOUN
fsr-3463	254	17	take	take	VERB
fsr-3463	254	18	place	place	NOUN
fsr-3463	254	19	.	.	PUNCT
fsr-3463	255	1	however	however	ADV
fsr-3463	255	2	,	,	PUNCT
fsr-3463	255	3	using	use	VERB
fsr-3463	255	4	a	a	DET
fsr-3463	255	5	dummy	dummy	ADJ
fsr-3463	255	6	variable	variable	NOUN
fsr-3463	255	7	for	for	ADP
fsr-3463	255	8	any	any	DET
fsr-3463	255	9	increase	increase	NOUN
fsr-3463	255	10	in	in	ADP
fsr-3463	255	11	probability	probability	NOUN
fsr-3463	255	12	is	be	AUX
fsr-3463	255	13	not	not	PART
fsr-3463	255	14	subject	subject	ADJ
fsr-3463	255	15	to	to	ADP
fsr-3463	255	16	these	these	DET
fsr-3463	255	17	outlier	outlier	ADJ
fsr-3463	255	18	effects	effect	NOUN
fsr-3463	255	19	,	,	PUNCT
fsr-3463	255	20	as	as	SCONJ
fsr-3463	255	21	all	all	DET
fsr-3463	255	22	positive	positive	ADJ
fsr-3463	255	23	changes	change	NOUN
fsr-3463	255	24	are	be	AUX
fsr-3463	255	25	measured	measure	VERB
fsr-3463	255	26	as	as	ADP
fsr-3463	255	27	a	a	DET
fsr-3463	255	28	“	"	PUNCT
fsr-3463	255	29	1	1	NUM
fsr-3463	255	30	”	"	PUNCT
fsr-3463	255	31	regardless	regardless	ADV
fsr-3463	255	32	of	of	ADP
fsr-3463	255	33	magnitude	magnitude	NOUN
fsr-3463	255	34	.	.	PUNCT
fsr-3463	256	1	thus	thus	ADV
fsr-3463	256	2	,	,	PUNCT
fsr-3463	256	3	it	it	PRON
fsr-3463	256	4	is	be	AUX
fsr-3463	256	5	useful	useful	ADJ
fsr-3463	256	6	to	to	PART
fsr-3463	256	7	look	look	VERB
fsr-3463	256	8	at	at	ADP
fsr-3463	256	9	both	both	DET
fsr-3463	256	10	forms	form	NOUN
fsr-3463	256	11	of	of	ADP
fsr-3463	256	12	outcome	outcome	NOUN
fsr-3463	256	13	measurements	measurement	NOUN
fsr-3463	256	14	and	and	CCONJ
fsr-3463	256	15	this	this	PRON
fsr-3463	256	16	will	will	AUX
fsr-3463	256	17	be	be	AUX
fsr-3463	256	18	repeated	repeat	VERB
fsr-3463	256	19	in	in	ADP
fsr-3463	256	20	the	the	DET
fsr-3463	256	21	following	follow	VERB
fsr-3463	256	22	regression	regression	NOUN
fsr-3463	256	23	analyses	analysis	NOUN
fsr-3463	256	24	.	.	PUNCT
fsr-3463	257	1	3.4	3.4	NUM
fsr-3463	257	2	.	.	PUNCT
fsr-3463	257	3	hypothesis	hypothesis	NOUN
fsr-3463	257	4	1a	1a	NOUN
fsr-3463	257	5	:	:	PUNCT
fsr-3463	257	6	results	result	NOUN
fsr-3463	257	7	table	table	VERB
fsr-3463	257	8	3	3	NUM
fsr-3463	257	9	reports	report	NOUN
fsr-3463	257	10	results	result	VERB
fsr-3463	257	11	for	for	ADP
fsr-3463	257	12	an	an	DET
fsr-3463	257	13	ordinary	ordinary	ADJ
fsr-3463	257	14	least	least	ADJ
fsr-3463	257	15	squares	square	NOUN
fsr-3463	257	16	regression	regression	VERB
fsr-3463	257	17	where	where	SCONJ
fsr-3463	257	18	the	the	DET
fsr-3463	257	19	dependent	dependent	ADJ
fsr-3463	257	20	variable	variable	NOUN
fsr-3463	257	21	is	be	AUX
fsr-3463	257	22	the	the	DET
fsr-3463	257	23	percentage	percentage	NOUN
fsr-3463	257	24	likelihood	likelihood	NOUN
fsr-3463	257	25	of	of	ADP
fsr-3463	257	26	purchasing	purchase	VERB
fsr-3463	257	27	an	an	DET
fsr-3463	257	28	annuity	annuity	NOUN
fsr-3463	257	29	as	as	ADP
fsr-3463	257	30	part	part	NOUN
fsr-3463	257	31	of	of	ADP
fsr-3463	257	32	retirement	retirement	NOUN
fsr-3463	257	33	planning	planning	NOUN
fsr-3463	257	34	table	table	NOUN
fsr-3463	257	35	3	3	NUM
fsr-3463	257	36	ols	ol	NOUN
fsr-3463	257	37	regression	regression	NOUN
fsr-3463	257	38	with	with	ADP
fsr-3463	257	39	dependent	dependent	ADJ
fsr-3463	257	40	variable	variable	NOUN
fsr-3463	257	41	:	:	PUNCT
fsr-3463	257	42	annuity	annuity	NOUN
fsr-3463	257	43	chance	chance	NOUN
fsr-3463	257	44	(	(	PUNCT
fsr-3463	257	45	post	post	ADJ
fsr-3463	257	46	-	-	ADJ
fsr-3463	257	47	framing	framing	ADJ
fsr-3463	257	48	)	)	PUNCT
fsr-3463	257	49	variable	variable	ADJ
fsr-3463	257	50	parameter	parameter	NOUN
fsr-3463	257	51	estimate	estimate	NOUN
fsr-3463	257	52	(	(	PUNCT
fsr-3463	257	53	se	se	X
fsr-3463	257	54	)	)	PUNCT
fsr-3463	257	55	p	p	ADJ
fsr-3463	257	56	-	-	PUNCT
fsr-3463	257	57	value	value	NOUN
fsr-3463	257	58	intercept	intercept	NOUN
fsr-3463	257	59	10.793	10.793	NUM
fsr-3463	257	60	(	(	PUNCT
fsr-3463	257	61	2.8989	2.8989	NUM
fsr-3463	257	62	)	)	PUNCT
fsr-3463	257	63	0.0002	0.0002	NUM
fsr-3463	257	64	annuity	annuity	NOUN
fsr-3463	257	65	chance	chance	NOUN
fsr-3463	257	66	(	(	PUNCT
fsr-3463	257	67	pre	pre	ADJ
fsr-3463	257	68	-	-	ADJ
fsr-3463	257	69	framing	framing	ADJ
fsr-3463	257	70	)	)	PUNCT
fsr-3463	257	71	1.0902	1.0902	NUM
fsr-3463	257	72	(	(	PUNCT
fsr-3463	257	73	0.0376	0.0376	NUM
fsr-3463	257	74	)	)	PUNCT
fsr-3463	257	75	<	<	X
fsr-3463	257	76	0.0001	0.0001	NUM
fsr-3463	257	77	annuity	annuity	NOUN
fsr-3463	257	78	chance	chance	NOUN
fsr-3463	257	79	(	(	PUNCT
fsr-3463	257	80	pre	pre	ADJ
fsr-3463	257	81	-	-	ADJ
fsr-3463	257	82	framing	framing	ADJ
fsr-3463	257	83	)	)	PUNCT
fsr-3463	257	84	sq	sq	PROPN
fsr-3463	257	85	�	�	PROPN
fsr-3463	257	86	0.0026	0.0026	NUM
fsr-3463	257	87	(	(	PUNCT
fsr-3463	257	88	0.0004	0.0004	NUM
fsr-3463	257	89	)	)	PUNCT
fsr-3463	257	90	<	<	X
fsr-3463	257	91	0.0001	0.0001	NUM
fsr-3463	257	92	bequest	bequest	NOUN
fsr-3463	257	93	motive	motive	VERB
fsr-3463	257	94	0.0560	0.0560	NUM
fsr-3463	257	95	(	(	PUNCT
fsr-3463	257	96	0.0090	0.0090	NUM
fsr-3463	257	97	)	)	PUNCT
fsr-3463	257	98	<	<	X
fsr-3463	257	99	0.0001	0.0001	NUM
fsr-3463	257	100	mortality	mortality	NOUN
fsr-3463	257	101	salience	salience	NOUN
fsr-3463	257	102	0.1453	0.1453	NUM
fsr-3463	257	103	(	(	PUNCT
fsr-3463	257	104	0.0869	0.0869	NUM
fsr-3463	257	105	)	)	PUNCT
fsr-3463	257	106	0.0948	0.0948	NUM
fsr-3463	257	107	male	male	NOUN
fsr-3463	257	108	�	�	PROPN
fsr-3463	257	109	1.9764	1.9764	NUM
fsr-3463	257	110	(	(	PUNCT
fsr-3463	257	111	0.6082	0.6082	NUM
fsr-3463	257	112	)	)	PUNCT
fsr-3463	257	113	0.0012	0.0012	NUM
fsr-3463	257	114	income	income	NOUN
fsr-3463	257	115	�	�	PROPN
fsr-3463	257	116	0.0160	0.0160	NUM
fsr-3463	257	117	(	(	PUNCT
fsr-3463	257	118	0.0093	0.0093	NUM
fsr-3463	257	119	)	)	PUNCT
fsr-3463	257	120	0.0867	0.0867	NUM
fsr-3463	257	121	education	education	NOUN
fsr-3463	257	122	years	year	NOUN
fsr-3463	257	123	�	�	VERB
fsr-3463	257	124	0.2583	0.2583	NUM
fsr-3463	257	125	(	(	PUNCT
fsr-3463	257	126	0.1597	0.1597	NUM
fsr-3463	257	127	)	)	PUNCT
fsr-3463	257	128	0.1060	0.1060	NUM
fsr-3463	257	129	age	age	NOUN
fsr-3463	257	130	�	�	PROPN
fsr-3463	257	131	0.0432	0.0432	NUM
fsr-3463	257	132	(	(	PUNCT
fsr-3463	257	133	0.0192	0.0192	NUM
fsr-3463	257	134	)	)	PUNCT
fsr-3463	257	135	0.0241	0.0241	NUM
fsr-3463	257	136	chance	chance	NOUN
fsr-3463	257	137	live	live	VERB
fsr-3463	257	138	to	to	ADP
fsr-3463	257	139	100	100	NUM
fsr-3463	257	140	0.0155	0.0155	NUM
fsr-3463	257	141	(	(	PUNCT
fsr-3463	257	142	0.0109	0.0109	NUM
fsr-3463	257	143	)	)	PUNCT
fsr-3463	257	144	0.1536	0.1536	NUM
fsr-3463	257	145	note	note	NOUN
fsr-3463	257	146	:	:	PUNCT
fsr-3463	257	147	n	n	PROPN
fsr-3463	257	148	=	=	SYM
fsr-3463	257	149	2,160	2,160	NUM
fsr-3463	257	150	;	;	PUNCT
fsr-3463	258	1	r2	r2	PROPN
fsr-3463	258	2	=	=	SYM
fsr-3463	258	3	0.7505	0.7505	NUM
fsr-3463	258	4	.	.	PUNCT
fsr-3463	259	1	ols	ol	NOUN
fsr-3463	259	2	=	=	PUNCT
fsr-3463	260	1	ordinary	ordinary	ADJ
fsr-3463	260	2	least	least	ADJ
fsr-3463	260	3	squares	square	NOUN
fsr-3463	260	4	.	.	PUNCT
fsr-3463	261	1	284	284	NUM
fsr-3463	261	2	y.	y.	PROPN
fsr-3463	261	3	yan	yan	PROPN
fsr-3463	261	4	and	and	CCONJ
fsr-3463	261	5	r.	r.	PROPN
fsr-3463	261	6	n.	n.	PROPN
fsr-3463	261	7	james	james	PROPN
fsr-3463	261	8	/	/	SYM
fsr-3463	261	9	financial	financial	ADJ
fsr-3463	261	10	services	service	NOUN
fsr-3463	261	11	review	review	VERB
fsr-3463	261	12	29	29	NUM
fsr-3463	261	13	(	(	PUNCT
fsr-3463	261	14	2021	2021	NUM
fsr-3463	261	15	)	)	PUNCT
fsr-3463	262	1	277–291	277–291	NUM
fsr-3463	262	2	following	follow	VERB
fsr-3463	262	3	exposure	exposure	NOUN
fsr-3463	262	4	to	to	ADP
fsr-3463	262	5	the	the	DET
fsr-3463	262	6	bequest	bequ	ADJ
fsr-3463	262	7	protection	protection	NOUN
fsr-3463	262	8	framing	frame	VERB
fsr-3463	262	9	argument	argument	NOUN
fsr-3463	262	10	.	.	PUNCT
fsr-3463	263	1	the	the	DET
fsr-3463	263	2	regression	regression	NOUN
fsr-3463	263	3	controls	control	VERB
fsr-3463	263	4	for	for	ADP
fsr-3463	263	5	the	the	DET
fsr-3463	263	6	percentage	percentage	NOUN
fsr-3463	263	7	likelihood	likelihood	NOUN
fsr-3463	263	8	reported	report	VERB
fsr-3463	263	9	before	before	ADP
fsr-3463	263	10	the	the	DET
fsr-3463	263	11	bequest	bequ	ADJ
fsr-3463	263	12	protection	protection	NOUN
fsr-3463	263	13	framing	frame	VERB
fsr-3463	263	14	and	and	CCONJ
fsr-3463	263	15	reflects	reflect	VERB
fsr-3463	263	16	the	the	DET
fsr-3463	263	17	change	change	NOUN
fsr-3463	263	18	(	(	PUNCT
fsr-3463	263	19	pre	pre	X
fsr-3463	263	20	vs.	vs.	X
fsr-3463	263	21	post	post	NOUN
fsr-3463	263	22	)	)	PUNCT
fsr-3463	263	23	in	in	ADP
fsr-3463	263	24	this	this	DET
fsr-3463	263	25	reported	report	VERB
fsr-3463	263	26	percentage	percentage	NOUN
fsr-3463	263	27	likelihood	likelihood	NOUN
fsr-3463	263	28	.	.	PUNCT
fsr-3463	264	1	in	in	ADP
fsr-3463	264	2	addition	addition	NOUN
fsr-3463	264	3	,	,	PUNCT
fsr-3463	264	4	the	the	DET
fsr-3463	264	5	regression	regression	NOUN
fsr-3463	264	6	controls	control	VERB
fsr-3463	264	7	for	for	ADP
fsr-3463	264	8	the	the	DET
fsr-3463	264	9	square	square	NOUN
fsr-3463	264	10	of	of	ADP
fsr-3463	264	11	the	the	DET
fsr-3463	264	12	percentage	percentage	NOUN
fsr-3463	264	13	likelihood	likelihood	NOUN
fsr-3463	264	14	reported	report	VERB
fsr-3463	264	15	before	before	ADP
fsr-3463	264	16	the	the	DET
fsr-3463	264	17	bequest	bequ	ADJ
fsr-3463	264	18	protection	protection	NOUN
fsr-3463	264	19	framing	framing	NOUN
fsr-3463	264	20	.	.	PUNCT
fsr-3463	265	1	this	this	PRON
fsr-3463	265	2	is	be	AUX
fsr-3463	265	3	included	include	VERB
fsr-3463	265	4	because	because	SCONJ
fsr-3463	265	5	the	the	DET
fsr-3463	265	6	dependent	dependent	ADJ
fsr-3463	265	7	variable	variable	NOUN
fsr-3463	265	8	,	,	PUNCT
fsr-3463	265	9	annuity	annuity	NOUN
fsr-3463	265	10	chance	chance	NOUN
fsr-3463	265	11	(	(	PUNCT
fsr-3463	265	12	post	post	ADJ
fsr-3463	265	13	-	-	ADJ
fsr-3463	265	14	framing	framing	ADJ
fsr-3463	265	15	)	)	PUNCT
fsr-3463	265	16	,	,	PUNCT
fsr-3463	265	17	is	be	AUX
fsr-3463	265	18	constrained	constrain	VERB
fsr-3463	265	19	to	to	PART
fsr-3463	265	20	be	be	AUX
fsr-3463	265	21	between	between	ADP
fsr-3463	265	22	0	0	NUM
fsr-3463	265	23	and	and	CCONJ
fsr-3463	265	24	100	100	NUM
fsr-3463	265	25	.	.	PUNCT
fsr-3463	266	1	as	as	ADP
fsr-3463	266	2	the	the	DET
fsr-3463	266	3	initial	initial	ADJ
fsr-3463	266	4	percentage	percentage	NOUN
fsr-3463	266	5	,	,	PUNCT
fsr-3463	266	6	a.k.a	a.k.a	ADJ
fsr-3463	266	7	.	.	PUNCT
fsr-3463	266	8	annuity	annuity	NOUN
fsr-3463	266	9	chance	chance	NOUN
fsr-3463	266	10	(	(	PUNCT
fsr-3463	266	11	preframing	preframe	VERB
fsr-3463	266	12	)	)	PUNCT
fsr-3463	266	13	,	,	PUNCT
fsr-3463	266	14	increases	increase	NOUN
fsr-3463	266	15	,	,	PUNCT
fsr-3463	266	16	the	the	DET
fsr-3463	266	17	possible	possible	ADJ
fsr-3463	266	18	magnitude	magnitude	NOUN
fsr-3463	266	19	of	of	ADP
fsr-3463	266	20	an	an	DET
fsr-3463	266	21	increase	increase	NOUN
fsr-3463	266	22	resulting	result	VERB
fsr-3463	266	23	from	from	ADP
fsr-3463	266	24	the	the	DET
fsr-3463	266	25	framing	framing	NOUN
fsr-3463	266	26	falls	fall	NOUN
fsr-3463	266	27	,	,	PUNCT
fsr-3463	266	28	suggesting	suggest	VERB
fsr-3463	266	29	a	a	DET
fsr-3463	266	30	nonlinear	nonlinear	ADJ
fsr-3463	266	31	relationship	relationship	NOUN
fsr-3463	266	32	(	(	PUNCT
fsr-3463	266	33	e.g.	e.g.	ADV
fsr-3463	266	34	,	,	PUNCT
fsr-3463	266	35	if	if	SCONJ
fsr-3463	266	36	the	the	DET
fsr-3463	266	37	likelihood	likelihood	NOUN
fsr-3463	266	38	of	of	ADP
fsr-3463	266	39	using	use	VERB
fsr-3463	266	40	an	an	DET
fsr-3463	266	41	annuity	annuity	NOUN
fsr-3463	266	42	was	be	AUX
fsr-3463	266	43	99	99	NUM
fsr-3463	266	44	%	%	NOUN
fsr-3463	266	45	before	before	ADP
fsr-3463	266	46	the	the	DET
fsr-3463	266	47	framing	framing	NOUN
fsr-3463	266	48	,	,	PUNCT
fsr-3463	266	49	there	there	PRON
fsr-3463	266	50	is	be	VERB
fsr-3463	266	51	little	little	ADJ
fsr-3463	266	52	opportunity	opportunity	NOUN
fsr-3463	266	53	for	for	ADP
fsr-3463	266	54	increasing	increase	VERB
fsr-3463	266	55	this	this	DET
fsr-3463	266	56	likelihood	likelihood	NOUN
fsr-3463	266	57	)	)	PUNCT
fsr-3463	266	58	.	.	PUNCT
fsr-3463	267	1	the	the	DET
fsr-3463	267	2	results	result	NOUN
fsr-3463	267	3	confirm	confirm	VERB
fsr-3463	267	4	this	this	DET
fsr-3463	267	5	nonlinear	nonlinear	ADJ
fsr-3463	267	6	relationship	relationship	NOUN
fsr-3463	267	7	as	as	SCONJ
fsr-3463	267	8	both	both	CCONJ
fsr-3463	267	9	the	the	DET
fsr-3463	267	10	linear	linear	ADJ
fsr-3463	267	11	and	and	CCONJ
fsr-3463	267	12	squared	squared	ADJ
fsr-3463	267	13	term	term	NOUN
fsr-3463	267	14	are	be	AUX
fsr-3463	267	15	highly	highly	ADV
fsr-3463	267	16	significant	significant	ADJ
fsr-3463	267	17	.	.	PUNCT
fsr-3463	268	1	the	the	DET
fsr-3463	268	2	increase	increase	NOUN
fsr-3463	268	3	resulting	result	VERB
fsr-3463	268	4	from	from	ADP
fsr-3463	268	5	the	the	DET
fsr-3463	268	6	bequest	bequ	ADJ
fsr-3463	268	7	protection	protection	NOUN
fsr-3463	268	8	framing	frame	VERB
fsr-3463	268	9	argument	argument	NOUN
fsr-3463	268	10	is	be	AUX
fsr-3463	268	11	greater	great	ADJ
fsr-3463	268	12	for	for	ADP
fsr-3463	268	13	those	those	PRON
fsr-3463	268	14	who	who	PRON
fsr-3463	268	15	had	have	AUX
fsr-3463	268	16	expressed	express	VERB
fsr-3463	268	17	a	a	DET
fsr-3463	268	18	greater	great	ADJ
fsr-3463	268	19	bequest	bequest	NOUN
fsr-3463	268	20	motive	motive	NOUN
fsr-3463	268	21	at	at	ADP
fsr-3463	268	22	p	p	X
fsr-3463	268	23	<	<	X
fsr-3463	268	24	.0001	.0001	PROPN
fsr-3463	268	25	.	.	PUNCT
fsr-3463	269	1	this	this	DET
fsr-3463	269	2	result	result	NOUN
fsr-3463	269	3	supports	support	VERB
fsr-3463	269	4	the	the	DET
fsr-3463	269	5	second	second	ADJ
fsr-3463	269	6	hypothesis	hypothesis	NOUN
fsr-3463	269	7	(	(	PUNCT
fsr-3463	269	8	1a	1a	NUM
fsr-3463	269	9	)	)	PUNCT
fsr-3463	269	10	.	.	PUNCT
fsr-3463	270	1	an	an	DET
fsr-3463	270	2	additional	additional	ADJ
fsr-3463	270	3	possible	possible	ADJ
fsr-3463	270	4	relationship	relationship	NOUN
fsr-3463	270	5	is	be	AUX
fsr-3463	270	6	that	that	SCONJ
fsr-3463	270	7	the	the	DET
fsr-3463	270	8	bequest	bequ	ADJ
fsr-3463	270	9	protection	protection	NOUN
fsr-3463	270	10	framing	frame	VERB
fsr-3463	270	11	might	might	AUX
fsr-3463	270	12	be	be	AUX
fsr-3463	270	13	more	more	ADV
fsr-3463	270	14	powerful	powerful	ADJ
fsr-3463	270	15	for	for	ADP
fsr-3463	270	16	those	those	PRON
fsr-3463	270	17	experiencing	experience	VERB
fsr-3463	270	18	greater	great	ADJ
fsr-3463	270	19	mortality	mortality	NOUN
fsr-3463	270	20	salience	salience	NOUN
fsr-3463	270	21	.	.	PUNCT
fsr-3463	271	1	terror	terror	NOUN
fsr-3463	271	2	management	management	NOUN
fsr-3463	271	3	theory	theory	NOUN
fsr-3463	271	4	suggests	suggest	VERB
fsr-3463	271	5	that	that	SCONJ
fsr-3463	271	6	those	those	PRON
fsr-3463	271	7	experiencing	experience	VERB
fsr-3463	271	8	greater	great	ADJ
fsr-3463	271	9	mortality	mortality	NOUN
fsr-3463	271	10	salience	salience	NOUN
fsr-3463	271	11	will	will	AUX
fsr-3463	271	12	have	have	VERB
fsr-3463	271	13	an	an	DET
fsr-3463	271	14	increased	increase	VERB
fsr-3463	271	15	interest	interest	NOUN
fsr-3463	271	16	in	in	ADP
fsr-3463	271	17	making	make	VERB
fsr-3463	271	18	a	a	DET
fsr-3463	271	19	lasting	last	VERB
fsr-3463	271	20	social	social	ADJ
fsr-3463	271	21	impact	impact	NOUN
fsr-3463	271	22	.	.	PUNCT
fsr-3463	272	1	bequest	bequest	NOUN
fsr-3463	272	2	protection	protection	NOUN
fsr-3463	272	3	framing	frame	VERB
fsr-3463	272	4	should	should	AUX
fsr-3463	272	5	appeal	appeal	VERB
fsr-3463	272	6	to	to	ADP
fsr-3463	272	7	this	this	DET
fsr-3463	272	8	increased	increase	VERB
fsr-3463	272	9	interest	interest	NOUN
fsr-3463	272	10	by	by	ADP
fsr-3463	272	11	showing	show	VERB
fsr-3463	272	12	the	the	DET
fsr-3463	272	13	potential	potential	ADJ
fsr-3463	272	14	benefits	benefit	NOUN
fsr-3463	272	15	of	of	ADP
fsr-3463	272	16	partial	partial	ADJ
fsr-3463	272	17	annuitization	annuitization	NOUN
fsr-3463	272	18	for	for	ADP
fsr-3463	272	19	heirs	heir	NOUN
fsr-3463	272	20	.	.	PUNCT
fsr-3463	273	1	contemplation	contemplation	NOUN
fsr-3463	273	2	of	of	ADP
fsr-3463	273	3	annuities	annuity	NOUN
fsr-3463	273	4	has	have	AUX
fsr-3463	273	5	been	be	AUX
fsr-3463	273	6	found	find	VERB
fsr-3463	273	7	in	in	ADP
fsr-3463	273	8	past	past	ADJ
fsr-3463	273	9	research	research	NOUN
fsr-3463	273	10	to	to	PART
fsr-3463	273	11	generate	generate	VERB
fsr-3463	273	12	mortality	mortality	NOUN
fsr-3463	273	13	salience	salience	NOUN
fsr-3463	273	14	(	(	PUNCT
fsr-3463	273	15	salisbury	salisbury	PROPN
fsr-3463	273	16	&	&	CCONJ
fsr-3463	273	17	nenkov	nenkov	PROPN
fsr-3463	273	18	,	,	PUNCT
fsr-3463	273	19	2016	2016	NUM
fsr-3463	273	20	)	)	PUNCT
fsr-3463	273	21	,	,	PUNCT
fsr-3463	273	22	making	make	VERB
fsr-3463	273	23	this	this	DET
fsr-3463	273	24	potential	potential	ADJ
fsr-3463	273	25	relationship	relationship	NOUN
fsr-3463	273	26	particularly	particularly	ADV
fsr-3463	273	27	relevant	relevant	ADJ
fsr-3463	273	28	for	for	ADP
fsr-3463	273	29	the	the	DET
fsr-3463	273	30	current	current	ADJ
fsr-3463	273	31	experiment	experiment	NOUN
fsr-3463	273	32	.	.	PUNCT
fsr-3463	274	1	additionally	additionally	ADV
fsr-3463	274	2	,	,	PUNCT
fsr-3463	274	3	bequest	bequest	NOUN
fsr-3463	274	4	motive	motive	NOUN
fsr-3463	274	5	was	be	AUX
fsr-3463	274	6	measured	measure	VERB
fsr-3463	274	7	before	before	ADP
fsr-3463	274	8	the	the	DET
fsr-3463	274	9	annuity	annuity	NOUN
fsr-3463	274	10	questions	question	NOUN
fsr-3463	274	11	while	while	SCONJ
fsr-3463	274	12	mortality	mortality	NOUN
fsr-3463	274	13	salience	salience	NOUN
fsr-3463	274	14	was	be	AUX
fsr-3463	274	15	measured	measure	VERB
fsr-3463	274	16	after	after	ADP
fsr-3463	274	17	the	the	DET
fsr-3463	274	18	annuity	annuity	NOUN
fsr-3463	274	19	questions	question	NOUN
fsr-3463	274	20	.	.	PUNCT
fsr-3463	275	1	thus	thus	ADV
fsr-3463	275	2	,	,	PUNCT
fsr-3463	275	3	the	the	DET
fsr-3463	275	4	level	level	NOUN
fsr-3463	275	5	of	of	ADP
fsr-3463	275	6	experienced	experienced	ADJ
fsr-3463	275	7	mortality	mortality	NOUN
fsr-3463	275	8	salience	salience	NOUN
fsr-3463	275	9	,	,	PUNCT
fsr-3463	275	10	controlling	control	VERB
fsr-3463	275	11	for	for	ADP
fsr-3463	275	12	bequest	bequest	NOUN
fsr-3463	275	13	motive	motive	NOUN
fsr-3463	275	14	,	,	PUNCT
fsr-3463	275	15	would	would	AUX
fsr-3463	275	16	be	be	AUX
fsr-3463	275	17	sensitive	sensitive	ADJ
fsr-3463	275	18	to	to	ADP
fsr-3463	275	19	changes	change	NOUN
fsr-3463	275	20	generated	generate	VERB
fsr-3463	275	21	by	by	ADP
fsr-3463	275	22	the	the	DET
fsr-3463	275	23	annuity	annuity	NOUN
fsr-3463	275	24	questions	question	NOUN
fsr-3463	275	25	themselves	themselves	PRON
fsr-3463	275	26	.	.	PUNCT
fsr-3463	276	1	table	table	NOUN
fsr-3463	276	2	3	3	NUM
fsr-3463	276	3	shows	show	VERB
fsr-3463	276	4	a	a	DET
fsr-3463	276	5	weak	weak	ADJ
fsr-3463	276	6	positive	positive	ADJ
fsr-3463	276	7	relationship	relationship	NOUN
fsr-3463	276	8	between	between	ADP
fsr-3463	276	9	mortality	mortality	NOUN
fsr-3463	276	10	salience	salience	NOUN
fsr-3463	276	11	and	and	CCONJ
fsr-3463	276	12	the	the	DET
fsr-3463	276	13	increase	increase	NOUN
fsr-3463	276	14	in	in	ADP
fsr-3463	276	15	annuity	annuity	NOUN
fsr-3463	276	16	interest	interest	NOUN
fsr-3463	276	17	following	follow	VERB
fsr-3463	276	18	the	the	DET
fsr-3463	276	19	bequest	bequ	ADJ
fsr-3463	276	20	protection	protection	NOUN
fsr-3463	276	21	framing	frame	VERB
fsr-3463	276	22	intervention	intervention	NOUN
fsr-3463	276	23	.	.	PUNCT
fsr-3463	277	1	however	however	ADV
fsr-3463	277	2	,	,	PUNCT
fsr-3463	277	3	this	this	DET
fsr-3463	277	4	relationship	relationship	NOUN
fsr-3463	277	5	is	be	AUX
fsr-3463	277	6	significant	significant	ADJ
fsr-3463	277	7	only	only	ADV
fsr-3463	277	8	at	at	ADP
fsr-3463	277	9	p	p	X
fsr-3463	277	10	<	<	X
fsr-3463	277	11	.10	.10	NUM
fsr-3463	277	12	.	.	PUNCT
fsr-3463	277	13	table	table	NOUN
fsr-3463	277	14	4	4	NUM
fsr-3463	277	15	reports	report	NOUN
fsr-3463	277	16	results	result	VERB
fsr-3463	277	17	from	from	ADP
fsr-3463	277	18	a	a	DET
fsr-3463	277	19	probit	probit	NOUN
fsr-3463	277	20	analysis	analysis	NOUN
fsr-3463	277	21	measuring	measure	VERB
fsr-3463	277	22	whether	whether	SCONJ
fsr-3463	277	23	or	or	CCONJ
fsr-3463	277	24	not	not	PART
fsr-3463	277	25	the	the	DET
fsr-3463	277	26	probability	probability	NOUN
fsr-3463	277	27	of	of	ADP
fsr-3463	277	28	purchasing	purchase	VERB
fsr-3463	277	29	an	an	DET
fsr-3463	277	30	annuity	annuity	NOUN
fsr-3463	277	31	at	at	ADP
fsr-3463	277	32	retirement	retirement	NOUN
fsr-3463	277	33	increased	increase	VERB
fsr-3463	277	34	following	follow	VERB
fsr-3463	277	35	the	the	DET
fsr-3463	277	36	bequest	bequ	ADJ
fsr-3463	277	37	protection	protection	NOUN
fsr-3463	277	38	framing	frame	VERB
fsr-3463	277	39	argument	argument	NOUN
fsr-3463	277	40	.	.	PUNCT
fsr-3463	278	1	unlike	unlike	ADP
fsr-3463	278	2	the	the	DET
fsr-3463	278	3	analysis	analysis	NOUN
fsr-3463	278	4	reported	report	VERB
fsr-3463	278	5	in	in	ADP
fsr-3463	278	6	table	table	NOUN
fsr-3463	278	7	3	3	NUM
fsr-3463	278	8	this	this	DET
fsr-3463	278	9	analysis	analysis	NOUN
fsr-3463	278	10	is	be	AUX
fsr-3463	278	11	not	not	PART
fsr-3463	278	12	affected	affect	VERB
fsr-3463	278	13	by	by	ADP
fsr-3463	278	14	large	large	ADJ
fsr-3463	278	15	outliers	outlier	NOUN
fsr-3463	278	16	,	,	PUNCT
fsr-3463	278	17	such	such	ADJ
fsr-3463	278	18	as	as	ADP
fsr-3463	278	19	where	where	SCONJ
fsr-3463	278	20	the	the	DET
fsr-3463	278	21	reported	reported	ADJ
fsr-3463	278	22	percentage	percentage	NOUN
fsr-3463	278	23	changed	change	VERB
fsr-3463	278	24	from	from	ADP
fsr-3463	278	25	0	0	NUM
fsr-3463	278	26	to	to	ADP
fsr-3463	278	27	100	100	NUM
fsr-3463	278	28	or	or	CCONJ
fsr-3463	278	29	vice	vice	NOUN
fsr-3463	278	30	-	-	NOUN
fsr-3463	278	31	versa	versa	NOUN
fsr-3463	278	32	.	.	PUNCT
fsr-3463	279	1	nevertheless	nevertheless	ADV
fsr-3463	279	2	,	,	PUNCT
fsr-3463	279	3	the	the	DET
fsr-3463	279	4	coefficient	coefficient	NOUN
fsr-3463	279	5	for	for	ADP
fsr-3463	279	6	bequest	bequest	NOUN
fsr-3463	279	7	motive	motive	NOUN
fsr-3463	279	8	is	be	AUX
fsr-3463	279	9	still	still	ADV
fsr-3463	279	10	positive	positive	ADJ
fsr-3463	279	11	and	and	CCONJ
fsr-3463	279	12	significant	significant	ADJ
fsr-3463	279	13	at	at	ADP
fsr-3463	279	14	p	p	X
fsr-3463	279	15	<	<	X
fsr-3463	279	16	.0001	.0001	PROPN
fsr-3463	279	17	.	.	PUNCT
fsr-3463	280	1	this	this	PRON
fsr-3463	280	2	confirms	confirm	VERB
fsr-3463	280	3	table	table	NOUN
fsr-3463	280	4	4	4	NUM
fsr-3463	280	5	probit	probit	NOUN
fsr-3463	280	6	analysis	analysis	NOUN
fsr-3463	280	7	with	with	ADP
fsr-3463	280	8	dependent	dependent	ADJ
fsr-3463	280	9	variable	variable	NOUN
fsr-3463	280	10	:	:	PUNCT
fsr-3463	280	11	annuity	annuity	NOUN
fsr-3463	280	12	chance	chance	NOUN
fsr-3463	280	13	increased	increase	VERB
fsr-3463	280	14	parameter	parameter	NOUN
fsr-3463	280	15	estimate	estimate	NOUN
fsr-3463	280	16	(	(	PUNCT
fsr-3463	280	17	se	se	X
fsr-3463	280	18	)	)	PUNCT
fsr-3463	280	19	pr	pr	X
fsr-3463	280	20	>	>	PUNCT
fsr-3463	280	21	v2	v2	NOUN
fsr-3463	280	22	intercept	intercept	NOUN
fsr-3463	280	23	0.0348	0.0348	NUM
fsr-3463	280	24	(	(	PUNCT
fsr-3463	280	25	0.2497	0.2497	NUM
fsr-3463	280	26	)	)	PUNCT
fsr-3463	280	27	0.8892	0.8892	NUM
fsr-3463	280	28	bequest	bequest	NOUN
fsr-3463	280	29	motive	motive	VERB
fsr-3463	280	30	0.0037	0.0037	NUM
fsr-3463	280	31	(	(	PUNCT
fsr-3463	280	32	0.0008	0.0008	NUM
fsr-3463	280	33	)	)	PUNCT
fsr-3463	280	34	<	<	X
fsr-3463	280	35	0.0001	0.0001	NUM
fsr-3463	280	36	mortality	mortality	NOUN
fsr-3463	280	37	salience	salience	NOUN
fsr-3463	280	38	0.0109	0.0109	NUM
fsr-3463	280	39	(	(	PUNCT
fsr-3463	280	40	0.0079	0.0079	NUM
fsr-3463	280	41	)	)	PUNCT
fsr-3463	280	42	0.1654	0.1654	NUM
fsr-3463	280	43	male	male	ADJ
fsr-3463	280	44	�	�	PROPN
fsr-3463	280	45	0.1157	0.1157	NUM
fsr-3463	280	46	(	(	PUNCT
fsr-3463	280	47	0.0553	0.0553	NUM
fsr-3463	280	48	)	)	PUNCT
fsr-3463	280	49	0.0363	0.0363	NUM
fsr-3463	280	50	income	income	NOUN
fsr-3463	280	51	�	�	PROPN
fsr-3463	280	52	0.0008	0.0008	NUM
fsr-3463	280	53	(	(	PUNCT
fsr-3463	280	54	0.0009	0.0009	NUM
fsr-3463	280	55	)	)	PUNCT
fsr-3463	280	56	0.3208	0.3208	NUM
fsr-3463	280	57	education	education	NOUN
fsr-3463	280	58	years	year	NOUN
fsr-3463	280	59	�	�	PROPN
fsr-3463	280	60	0.0012	0.0012	NUM
fsr-3463	280	61	(	(	PUNCT
fsr-3463	280	62	0.0145	0.0145	NUM
fsr-3463	280	63	)	)	PUNCT
fsr-3463	280	64	0.9316	0.9316	NUM
fsr-3463	280	65	age	age	NOUN
fsr-3463	280	66	�	�	PROPN
fsr-3463	280	67	0.0061	0.0061	NUM
fsr-3463	280	68	(	(	PUNCT
fsr-3463	280	69	0.0017	0.0017	NUM
fsr-3463	280	70	)	)	PUNCT
fsr-3463	280	71	0.0004	0.0004	NUM
fsr-3463	280	72	chance	chance	NOUN
fsr-3463	280	73	live	live	VERB
fsr-3463	280	74	to	to	ADP
fsr-3463	280	75	100	100	NUM
fsr-3463	280	76	0.0006	0.0006	NUM
fsr-3463	280	77	(	(	PUNCT
fsr-3463	280	78	0.001	0.001	NUM
fsr-3463	280	79	)	)	PUNCT
fsr-3463	280	80	0.5650	0.5650	NUM
fsr-3463	280	81	note	note	NOUN
fsr-3463	280	82	:	:	PUNCT
fsr-3463	280	83	n	n	PROPN
fsr-3463	280	84	=	=	SYM
fsr-3463	280	85	2,160	2,160	NUM
fsr-3463	280	86	.	.	PUNCT
fsr-3463	281	1	y.	y.	PROPN
fsr-3463	281	2	yan	yan	PROPN
fsr-3463	281	3	and	and	CCONJ
fsr-3463	281	4	r.	r.	PROPN
fsr-3463	281	5	n.	n.	PROPN
fsr-3463	281	6	james	james	PROPN
fsr-3463	281	7	/	/	SYM
fsr-3463	281	8	financial	financial	ADJ
fsr-3463	281	9	services	service	NOUN
fsr-3463	281	10	review	review	VERB
fsr-3463	281	11	29	29	NUM
fsr-3463	281	12	(	(	PUNCT
fsr-3463	281	13	2021	2021	NUM
fsr-3463	281	14	)	)	PUNCT
fsr-3463	282	1	277–291	277–291	NUM
fsr-3463	282	2	285	285	NUM
fsr-3463	282	3	that	that	SCONJ
fsr-3463	282	4	the	the	DET
fsr-3463	282	5	relationship	relationship	NOUN
fsr-3463	282	6	identified	identify	VERB
fsr-3463	282	7	in	in	ADP
fsr-3463	282	8	table	table	NOUN
fsr-3463	282	9	3	3	NUM
fsr-3463	282	10	is	be	AUX
fsr-3463	282	11	not	not	PART
fsr-3463	282	12	driven	drive	VERB
fsr-3463	282	13	only	only	ADV
fsr-3463	282	14	by	by	ADP
fsr-3463	282	15	large	large	ADJ
fsr-3463	282	16	outliers	outlier	NOUN
fsr-3463	282	17	but	but	CCONJ
fsr-3463	282	18	reflects	reflect	VERB
fsr-3463	282	19	a	a	DET
fsr-3463	282	20	general	general	ADJ
fsr-3463	282	21	tendency	tendency	NOUN
fsr-3463	282	22	among	among	ADP
fsr-3463	282	23	the	the	DET
fsr-3463	282	24	respondents	respondent	NOUN
fsr-3463	282	25	.	.	PUNCT
fsr-3463	283	1	thus	thus	ADV
fsr-3463	283	2	,	,	PUNCT
fsr-3463	283	3	the	the	DET
fsr-3463	283	4	likelihood	likelihood	NOUN
fsr-3463	283	5	that	that	SCONJ
fsr-3463	283	6	interest	interest	NOUN
fsr-3463	283	7	in	in	ADP
fsr-3463	283	8	an	an	DET
fsr-3463	283	9	annuity	annuity	NOUN
fsr-3463	283	10	will	will	AUX
fsr-3463	283	11	increase	increase	VERB
fsr-3463	283	12	to	to	ADP
fsr-3463	283	13	some	some	DET
fsr-3463	283	14	extent	extent	NOUN
fsr-3463	283	15	following	follow	VERB
fsr-3463	283	16	the	the	DET
fsr-3463	283	17	bequest	bequest	NOUN
fsr-3463	283	18	protection	protection	NOUN
fsr-3463	283	19	framing	frame	VERB
fsr-3463	283	20	also	also	ADV
fsr-3463	283	21	increases	increase	VERB
fsr-3463	283	22	as	as	ADP
fsr-3463	283	23	bequest	bequest	NOUN
fsr-3463	283	24	motive	motive	ADJ
fsr-3463	283	25	increases	increase	NOUN
fsr-3463	283	26	.	.	PUNCT
fsr-3463	284	1	this	this	DET
fsr-3463	284	2	result	result	NOUN
fsr-3463	284	3	further	far	ADV
fsr-3463	284	4	supports	support	VERB
fsr-3463	284	5	the	the	DET
fsr-3463	284	6	second	second	ADJ
fsr-3463	284	7	hypothesis	hypothesis	NOUN
fsr-3463	284	8	(	(	PUNCT
fsr-3463	284	9	1a	1a	NUM
fsr-3463	284	10	)	)	PUNCT
fsr-3463	284	11	.	.	PUNCT
fsr-3463	285	1	the	the	DET
fsr-3463	285	2	direction	direction	NOUN
fsr-3463	285	3	and	and	CCONJ
fsr-3463	285	4	significance	significance	NOUN
fsr-3463	285	5	of	of	ADP
fsr-3463	285	6	the	the	DET
fsr-3463	285	7	relationship	relationship	NOUN
fsr-3463	285	8	with	with	ADP
fsr-3463	285	9	age	age	NOUN
fsr-3463	285	10	and	and	CCONJ
fsr-3463	285	11	gender	gender	NOUN
fsr-3463	285	12	remains	remain	VERB
fsr-3463	285	13	consistent	consistent	ADJ
fsr-3463	285	14	with	with	ADP
fsr-3463	285	15	the	the	DET
fsr-3463	285	16	results	result	NOUN
fsr-3463	285	17	reported	report	VERB
fsr-3463	285	18	in	in	ADP
fsr-3463	285	19	table	table	NOUN
fsr-3463	285	20	3	3	NUM
fsr-3463	285	21	.	.	PUNCT
fsr-3463	286	1	however	however	ADV
fsr-3463	286	2	,	,	PUNCT
fsr-3463	286	3	the	the	DET
fsr-3463	286	4	relationship	relationship	NOUN
fsr-3463	286	5	with	with	ADP
fsr-3463	286	6	mortality	mortality	NOUN
fsr-3463	286	7	salience	salience	NOUN
fsr-3463	286	8	becomes	become	VERB
fsr-3463	286	9	nonsignificant	nonsignificant	ADJ
fsr-3463	286	10	(	(	PUNCT
fsr-3463	286	11	p	p	X
fsr-3463	286	12	=	=	NOUN
fsr-3463	286	13	.1654	.1654	PROPN
fsr-3463	286	14	)	)	PUNCT
fsr-3463	286	15	.	.	PUNCT
fsr-3463	287	1	the	the	DET
fsr-3463	287	2	primary	primary	ADJ
fsr-3463	287	3	interest	interest	NOUN
fsr-3463	287	4	in	in	ADP
fsr-3463	287	5	this	this	DET
fsr-3463	287	6	analysis	analysis	NOUN
fsr-3463	287	7	was	be	AUX
fsr-3463	287	8	to	to	PART
fsr-3463	287	9	explore	explore	VERB
fsr-3463	287	10	the	the	DET
fsr-3463	287	11	results	result	NOUN
fsr-3463	287	12	from	from	ADP
fsr-3463	287	13	introducing	introduce	VERB
fsr-3463	287	14	a	a	DET
fsr-3463	287	15	bequest	bequest	NOUN
fsr-3463	287	16	protection	protection	NOUN
fsr-3463	287	17	framing	frame	VERB
fsr-3463	287	18	argument	argument	NOUN
fsr-3463	287	19	on	on	ADP
fsr-3463	287	20	interest	interest	NOUN
fsr-3463	287	21	in	in	ADP
fsr-3463	287	22	purchasing	purchase	VERB
fsr-3463	287	23	an	an	DET
fsr-3463	287	24	annuity	annuity	NOUN
fsr-3463	287	25	as	as	ADP
fsr-3463	287	26	part	part	NOUN
fsr-3463	287	27	of	of	ADP
fsr-3463	287	28	retirement	retirement	NOUN
fsr-3463	287	29	planning	planning	NOUN
fsr-3463	287	30	.	.	PUNCT
fsr-3463	288	1	bequest	bequest	NOUN
fsr-3463	288	2	protection	protection	NOUN
fsr-3463	288	3	framing	framing	NOUN
fsr-3463	288	4	may	may	AUX
fsr-3463	288	5	fail	fail	VERB
fsr-3463	288	6	to	to	PART
fsr-3463	288	7	have	have	VERB
fsr-3463	288	8	an	an	DET
fsr-3463	288	9	effect	effect	NOUN
fsr-3463	288	10	because	because	SCONJ
fsr-3463	288	11	respondents	respondent	NOUN
fsr-3463	288	12	disagree	disagree	VERB
fsr-3463	288	13	with	with	ADP
fsr-3463	288	14	the	the	DET
fsr-3463	288	15	bequest	bequ	ADJ
fsr-3463	288	16	protection	protection	NOUN
fsr-3463	288	17	argument	argument	NOUN
fsr-3463	288	18	.	.	PUNCT
fsr-3463	289	1	however	however	ADV
fsr-3463	289	2	,	,	PUNCT
fsr-3463	289	3	it	it	PRON
fsr-3463	289	4	may	may	AUX
fsr-3463	289	5	also	also	ADV
fsr-3463	289	6	fail	fail	VERB
fsr-3463	289	7	to	to	PART
fsr-3463	289	8	have	have	VERB
fsr-3463	289	9	an	an	DET
fsr-3463	289	10	effect	effect	NOUN
fsr-3463	289	11	even	even	ADV
fsr-3463	289	12	if	if	SCONJ
fsr-3463	289	13	respondents	respondent	NOUN
fsr-3463	289	14	agree	agree	VERB
fsr-3463	289	15	with	with	ADP
fsr-3463	289	16	the	the	DET
fsr-3463	289	17	bequest	bequ	ADJ
fsr-3463	289	18	protection	protection	NOUN
fsr-3463	289	19	argument	argument	NOUN
fsr-3463	289	20	.	.	PUNCT
fsr-3463	290	1	this	this	PRON
fsr-3463	290	2	could	could	AUX
fsr-3463	290	3	result	result	VERB
fsr-3463	290	4	from	from	ADP
fsr-3463	290	5	respondents	respondent	NOUN
fsr-3463	290	6	having	having	AUX
fsr-3463	290	7	already	already	ADV
fsr-3463	290	8	considered	consider	VERB
fsr-3463	290	9	such	such	DET
fsr-3463	290	10	a	a	DET
fsr-3463	290	11	justification	justification	NOUN
fsr-3463	290	12	before	before	ADP
fsr-3463	290	13	its	its	PRON
fsr-3463	290	14	introduction	introduction	NOUN
fsr-3463	290	15	in	in	ADP
fsr-3463	290	16	the	the	DET
fsr-3463	290	17	framing	frame	VERB
fsr-3463	290	18	argument	argument	NOUN
fsr-3463	290	19	or	or	CCONJ
fsr-3463	290	20	because	because	SCONJ
fsr-3463	290	21	other	other	ADJ
fsr-3463	290	22	unmeasured	unmeasured	ADJ
fsr-3463	290	23	factors	factor	NOUN
fsr-3463	290	24	make	make	VERB
fsr-3463	290	25	such	such	DET
fsr-3463	290	26	a	a	DET
fsr-3463	290	27	justification	justification	NOUN
fsr-3463	290	28	irrelevant	irrelevant	ADJ
fsr-3463	290	29	for	for	ADP
fsr-3463	290	30	the	the	DET
fsr-3463	290	31	respondent	respondent	NOUN
fsr-3463	290	32	.	.	PUNCT
fsr-3463	291	1	thus	thus	ADV
fsr-3463	291	2	,	,	PUNCT
fsr-3463	291	3	table	table	NOUN
fsr-3463	291	4	5	5	NUM
fsr-3463	291	5	reports	report	NOUN
fsr-3463	291	6	results	result	VERB
fsr-3463	291	7	from	from	ADP
fsr-3463	291	8	an	an	DET
fsr-3463	291	9	additional	additional	ADJ
fsr-3463	291	10	measurement	measurement	NOUN
fsr-3463	291	11	of	of	ADP
fsr-3463	291	12	the	the	DET
fsr-3463	291	13	effectiveness	effectiveness	NOUN
fsr-3463	291	14	of	of	ADP
fsr-3463	291	15	this	this	DET
fsr-3463	291	16	framing	frame	VERB
fsr-3463	291	17	argument	argument	NOUN
fsr-3463	291	18	:	:	PUNCT
fsr-3463	291	19	whether	whether	SCONJ
fsr-3463	291	20	respondents	respondent	NOUN
fsr-3463	291	21	agree	agree	VERB
fsr-3463	291	22	that	that	SCONJ
fsr-3463	291	23	the	the	DET
fsr-3463	291	24	argument	argument	NOUN
fsr-3463	291	25	itself	itself	PRON
fsr-3463	291	26	makes	make	VERB
fsr-3463	291	27	sense	sense	NOUN
fsr-3463	291	28	.	.	PUNCT
fsr-3463	292	1	this	this	DET
fsr-3463	292	2	measurement	measurement	NOUN
fsr-3463	292	3	of	of	ADP
fsr-3463	292	4	the	the	DET
fsr-3463	292	5	power	power	NOUN
fsr-3463	292	6	of	of	ADP
fsr-3463	292	7	the	the	DET
fsr-3463	292	8	bequest	bequ	ADJ
fsr-3463	292	9	protection	protection	NOUN
fsr-3463	292	10	framing	frame	VERB
fsr-3463	292	11	argument	argument	NOUN
fsr-3463	292	12	also	also	ADV
fsr-3463	292	13	shows	show	VERB
fsr-3463	292	14	a	a	DET
fsr-3463	292	15	positive	positive	ADJ
fsr-3463	292	16	association	association	NOUN
fsr-3463	292	17	with	with	ADP
fsr-3463	292	18	bequest	bequest	NOUN
fsr-3463	292	19	motive	motive	NOUN
fsr-3463	292	20	(	(	PUNCT
fsr-3463	292	21	p	p	X
fsr-3463	292	22	<	<	X
fsr-3463	292	23	.0001	.0001	NOUN
fsr-3463	292	24	)	)	PUNCT
fsr-3463	292	25	.	.	PUNCT
fsr-3463	293	1	thus	thus	ADV
fsr-3463	293	2	,	,	PUNCT
fsr-3463	293	3	those	those	PRON
fsr-3463	293	4	with	with	ADP
fsr-3463	293	5	a	a	DET
fsr-3463	293	6	higher	high	ADJ
fsr-3463	293	7	bequest	bequest	NOUN
fsr-3463	293	8	motive	motive	NOUN
fsr-3463	293	9	are	be	AUX
fsr-3463	293	10	more	more	ADV
fsr-3463	293	11	likely	likely	ADJ
fsr-3463	293	12	to	to	PART
fsr-3463	293	13	agree	agree	VERB
fsr-3463	293	14	that	that	SCONJ
fsr-3463	293	15	the	the	DET
fsr-3463	293	16	bequest	bequ	ADJ
fsr-3463	293	17	protection	protection	NOUN
fsr-3463	293	18	framing	frame	VERB
fsr-3463	293	19	argument	argument	NOUN
fsr-3463	293	20	makes	make	VERB
fsr-3463	293	21	sense	sense	NOUN
fsr-3463	293	22	.	.	PUNCT
fsr-3463	294	1	one	one	NUM
fsr-3463	294	2	difference	difference	NOUN
fsr-3463	294	3	as	as	SCONJ
fsr-3463	294	4	compared	compare	VERB
fsr-3463	294	5	with	with	ADP
fsr-3463	294	6	the	the	DET
fsr-3463	294	7	previous	previous	ADJ
fsr-3463	294	8	outcome	outcome	NOUN
fsr-3463	294	9	measurement	measurement	NOUN
fsr-3463	294	10	is	be	AUX
fsr-3463	294	11	that	that	SCONJ
fsr-3463	294	12	mortality	mortality	NOUN
fsr-3463	294	13	salience	salience	NOUN
fsr-3463	294	14	is	be	AUX
fsr-3463	294	15	a	a	DET
fsr-3463	294	16	highly	highly	ADV
fsr-3463	294	17	significant	significant	ADJ
fsr-3463	294	18	predictor	predictor	NOUN
fsr-3463	294	19	(	(	PUNCT
fsr-3463	294	20	p	p	X
fsr-3463	294	21	<	<	X
fsr-3463	294	22	.0001	.0001	NOUN
fsr-3463	294	23	)	)	PUNCT
fsr-3463	294	24	of	of	ADP
fsr-3463	294	25	agreeing	agree	VERB
fsr-3463	294	26	with	with	ADP
fsr-3463	294	27	the	the	DET
fsr-3463	294	28	bequest	bequ	ADJ
fsr-3463	294	29	protection	protection	NOUN
fsr-3463	294	30	framing	frame	VERB
fsr-3463	294	31	argument	argument	NOUN
fsr-3463	294	32	.	.	PUNCT
fsr-3463	295	1	this	this	PRON
fsr-3463	295	2	may	may	AUX
fsr-3463	295	3	be	be	AUX
fsr-3463	295	4	because	because	SCONJ
fsr-3463	295	5	the	the	DET
fsr-3463	295	6	increased	increase	VERB
fsr-3463	295	7	desire	desire	NOUN
fsr-3463	295	8	for	for	ADP
fsr-3463	295	9	making	make	VERB
fsr-3463	295	10	a	a	DET
fsr-3463	295	11	lasting	last	VERB
fsr-3463	295	12	impact	impact	NOUN
fsr-3463	295	13	resulting	result	VERB
fsr-3463	295	14	from	from	ADP
fsr-3463	295	15	mortality	mortality	NOUN
fsr-3463	295	16	salience	salience	NOUN
fsr-3463	295	17	may	may	AUX
fsr-3463	295	18	increase	increase	VERB
fsr-3463	295	19	acceptance	acceptance	NOUN
fsr-3463	295	20	of	of	ADP
fsr-3463	295	21	the	the	DET
fsr-3463	295	22	argument	argument	NOUN
fsr-3463	295	23	describing	describe	VERB
fsr-3463	295	24	such	such	DET
fsr-3463	295	25	an	an	DET
fsr-3463	295	26	impact	impact	NOUN
fsr-3463	295	27	.	.	PUNCT
fsr-3463	296	1	future	future	ADJ
fsr-3463	296	2	investigation	investigation	NOUN
fsr-3463	296	3	of	of	ADP
fsr-3463	296	4	this	this	DET
fsr-3463	296	5	relationship	relationship	NOUN
fsr-3463	296	6	may	may	AUX
fsr-3463	296	7	be	be	AUX
fsr-3463	296	8	critical	critical	ADJ
fsr-3463	296	9	as	as	SCONJ
fsr-3463	296	10	previous	previous	ADJ
fsr-3463	296	11	research	research	NOUN
fsr-3463	296	12	shows	show	NOUN
fsr-3463	296	13	contemplating	contemplate	VERB
fsr-3463	296	14	annuity	annuity	NOUN
fsr-3463	296	15	purchases	purchase	NOUN
fsr-3463	296	16	increases	increase	VERB
fsr-3463	296	17	mortality	mortality	NOUN
fsr-3463	296	18	salience	salience	NOUN
fsr-3463	296	19	(	(	PUNCT
fsr-3463	296	20	salisbury	salisbury	PROPN
fsr-3463	296	21	&	&	CCONJ
fsr-3463	296	22	nenkov	nenkov	PROPN
fsr-3463	296	23	,	,	PUNCT
fsr-3463	296	24	2016	2016	NUM
fsr-3463	296	25	)	)	PUNCT
fsr-3463	296	26	.	.	PUNCT
fsr-3463	297	1	thus	thus	ADV
fsr-3463	297	2	,	,	PUNCT
fsr-3463	297	3	a	a	DET
fsr-3463	297	4	framing	frame	VERB
fsr-3463	297	5	argument	argument	NOUN
fsr-3463	297	6	that	that	PRON
fsr-3463	297	7	works	work	VERB
fsr-3463	297	8	particularly	particularly	ADV
fsr-3463	297	9	well	well	ADV
fsr-3463	297	10	in	in	ADP
fsr-3463	297	11	the	the	DET
fsr-3463	297	12	presence	presence	NOUN
fsr-3463	297	13	of	of	ADP
fsr-3463	297	14	mortality	mortality	NOUN
fsr-3463	297	15	salience	salience	NOUN
fsr-3463	297	16	may	may	AUX
fsr-3463	297	17	be	be	AUX
fsr-3463	297	18	particularly	particularly	ADV
fsr-3463	297	19	effective	effective	ADJ
fsr-3463	297	20	in	in	ADP
fsr-3463	297	21	a	a	DET
fsr-3463	297	22	real	real	ADJ
fsr-3463	297	23	-	-	PUNCT
fsr-3463	297	24	world	world	NOUN
fsr-3463	297	25	application	application	NOUN
fsr-3463	297	26	.	.	PUNCT
fsr-3463	298	1	however	however	ADV
fsr-3463	298	2	,	,	PUNCT
fsr-3463	298	3	in	in	ADP
fsr-3463	298	4	the	the	DET
fsr-3463	298	5	present	present	ADJ
fsr-3463	298	6	experiment	experiment	NOUN
fsr-3463	298	7	this	this	DET
fsr-3463	298	8	relationship	relationship	NOUN
fsr-3463	298	9	may	may	AUX
fsr-3463	298	10	arise	arise	VERB
fsr-3463	298	11	because	because	SCONJ
fsr-3463	298	12	acceptance	acceptance	NOUN
fsr-3463	298	13	and	and	CCONJ
fsr-3463	298	14	understanding	understanding	NOUN
fsr-3463	298	15	of	of	ADP
fsr-3463	298	16	the	the	DET
fsr-3463	298	17	bequest	bequ	ADJ
fsr-3463	298	18	protection	protection	NOUN
fsr-3463	298	19	argument	argument	NOUN
fsr-3463	298	20	actually	actually	ADV
fsr-3463	298	21	generates	generate	VERB
fsr-3463	298	22	mortality	mortality	NOUN
fsr-3463	298	23	salience	salience	NOUN
fsr-3463	298	24	.	.	PUNCT
fsr-3463	299	1	future	future	ADJ
fsr-3463	299	2	experimental	experimental	ADJ
fsr-3463	299	3	research	research	NOUN
fsr-3463	299	4	may	may	AUX
fsr-3463	299	5	be	be	AUX
fsr-3463	299	6	able	able	ADJ
fsr-3463	299	7	to	to	PART
fsr-3463	299	8	disentangle	disentangle	VERB
fsr-3463	299	9	this	this	DET
fsr-3463	299	10	relationship	relationship	NOUN
fsr-3463	299	11	more	more	ADV
fsr-3463	299	12	precisely	precisely	ADV
fsr-3463	299	13	.	.	PUNCT
fsr-3463	300	1	table	table	NOUN
fsr-3463	300	2	5	5	NUM
fsr-3463	300	3	probit	probit	NOUN
fsr-3463	300	4	analysis	analysis	NOUN
fsr-3463	300	5	with	with	ADP
fsr-3463	300	6	dependent	dependent	ADJ
fsr-3463	300	7	variable	variable	NOUN
fsr-3463	300	8	:	:	PUNCT
fsr-3463	300	9	agree	agree	VERB
fsr-3463	300	10	with	with	ADP
fsr-3463	300	11	framing	frame	VERB
fsr-3463	300	12	argument	argument	NOUN
fsr-3463	300	13	parameter	parameter	NOUN
fsr-3463	300	14	estimate	estimate	NOUN
fsr-3463	300	15	(	(	PUNCT
fsr-3463	300	16	standard	standard	ADJ
fsr-3463	300	17	error	error	NOUN
fsr-3463	300	18	)	)	PUNCT
fsr-3463	300	19	pr	pr	X
fsr-3463	300	20	>	>	PUNCT
fsr-3463	300	21	v2	v2	PROPN
fsr-3463	300	22	intercept	intercept	NOUN
fsr-3463	300	23	0.7593	0.7593	NUM
fsr-3463	300	24	(	(	PUNCT
fsr-3463	300	25	0.2819	0.2819	NUM
fsr-3463	300	26	)	)	PUNCT
fsr-3463	300	27	0.0071	0.0071	NUM
fsr-3463	300	28	bequest	bequest	NOUN
fsr-3463	300	29	motive	motive	VERB
fsr-3463	300	30	0.0038	0.0038	NUM
fsr-3463	300	31	(	(	PUNCT
fsr-3463	300	32	0.0009	0.0009	NUM
fsr-3463	300	33	)	)	PUNCT
fsr-3463	300	34	<	<	X
fsr-3463	300	35	0.0001	0.0001	NUM
fsr-3463	300	36	mortality	mortality	NOUN
fsr-3463	300	37	salience	salience	NOUN
fsr-3463	300	38	0.0355	0.0355	NUM
fsr-3463	300	39	(	(	PUNCT
fsr-3463	300	40	0.0090	0.0090	NUM
fsr-3463	300	41	)	)	PUNCT
fsr-3463	300	42	<	<	X
fsr-3463	300	43	0.0001	0.0001	NUM
fsr-3463	300	44	male	male	ADJ
fsr-3463	300	45	�	�	PROPN
fsr-3463	300	46	0.0054	0.0054	NUM
fsr-3463	300	47	(	(	PUNCT
fsr-3463	300	48	0.0627	0.0627	NUM
fsr-3463	300	49	)	)	PUNCT
fsr-3463	300	50	0.9311	0.9311	NUM
fsr-3463	300	51	income	income	NOUN
fsr-3463	300	52	�	�	NOUN
fsr-3463	300	53	0.0001	0.0001	NUM
fsr-3463	300	54	(	(	PUNCT
fsr-3463	300	55	0.0009	0.0009	NUM
fsr-3463	300	56	)	)	PUNCT
fsr-3463	300	57	0.8822	0.8822	NUM
fsr-3463	300	58	education	education	NOUN
fsr-3463	300	59	years	year	NOUN
fsr-3463	300	60	�	�	PROPN
fsr-3463	300	61	0.0262	0.0262	NUM
fsr-3463	300	62	(	(	PUNCT
fsr-3463	300	63	0.0163	0.0163	NUM
fsr-3463	300	64	)	)	PUNCT
fsr-3463	300	65	0.1085	0.1085	NUM
fsr-3463	300	66	age	age	NOUN
fsr-3463	300	67	�	�	PROPN
fsr-3463	300	68	0.0054	0.0054	NUM
fsr-3463	300	69	(	(	PUNCT
fsr-3463	300	70	0.0019	0.0019	NUM
fsr-3463	300	71	)	)	PUNCT
fsr-3463	300	72	0.0041	0.0041	NUM
fsr-3463	300	73	chance	chance	NOUN
fsr-3463	300	74	live	live	VERB
fsr-3463	300	75	to	to	ADP
fsr-3463	300	76	100	100	NUM
fsr-3463	300	77	0.0036	0.0036	NUM
fsr-3463	300	78	(	(	PUNCT
fsr-3463	300	79	0.0011	0.0011	NUM
fsr-3463	300	80	)	)	PUNCT
fsr-3463	300	81	0.0014	0.0014	NUM
fsr-3463	300	82	note	note	NOUN
fsr-3463	300	83	:	:	PUNCT
fsr-3463	300	84	n	n	PROPN
fsr-3463	300	85	=	=	SYM
fsr-3463	300	86	2,160	2,160	NUM
fsr-3463	300	87	.	.	PUNCT
fsr-3463	300	88	286	286	NUM
fsr-3463	300	89	y.	y.	PROPN
fsr-3463	300	90	yan	yan	PROPN
fsr-3463	300	91	and	and	CCONJ
fsr-3463	300	92	r.	r.	PROPN
fsr-3463	300	93	n.	n.	PROPN
fsr-3463	300	94	james	james	PROPN
fsr-3463	300	95	/	/	SYM
fsr-3463	300	96	financial	financial	ADJ
fsr-3463	300	97	services	service	NOUN
fsr-3463	300	98	review	review	VERB
fsr-3463	300	99	29	29	NUM
fsr-3463	300	100	(	(	PUNCT
fsr-3463	300	101	2021	2021	NUM
fsr-3463	300	102	)	)	PUNCT
fsr-3463	300	103	277–291	277–291	NUM
fsr-3463	300	104	4	4	NUM
fsr-3463	300	105	.	.	PUNCT
fsr-3463	301	1	discussion	discussion	NOUN
fsr-3463	301	2	this	this	DET
fsr-3463	301	3	research	research	NOUN
fsr-3463	301	4	examines	examine	VERB
fsr-3463	301	5	bequest	bequest	NOUN
fsr-3463	301	6	motives	motive	NOUN
fsr-3463	301	7	and	and	CCONJ
fsr-3463	301	8	annuitization	annuitization	NOUN
fsr-3463	301	9	in	in	ADP
fsr-3463	301	10	a	a	DET
fsr-3463	301	11	new	new	ADJ
fsr-3463	301	12	way	way	NOUN
fsr-3463	301	13	.	.	PUNCT
fsr-3463	302	1	it	it	PRON
fsr-3463	302	2	examines	examine	VERB
fsr-3463	302	3	an	an	DET
fsr-3463	302	4	intervention	intervention	NOUN
fsr-3463	302	5	framing	frame	VERB
fsr-3463	302	6	an	an	DET
fsr-3463	302	7	annuity	annuity	NOUN
fsr-3463	302	8	as	as	ADP
fsr-3463	302	9	a	a	DET
fsr-3463	302	10	protection	protection	NOUN
fsr-3463	302	11	for	for	ADP
fsr-3463	302	12	inheritance	inheritance	NOUN
fsr-3463	302	13	goals	goal	NOUN
fsr-3463	302	14	from	from	ADP
fsr-3463	302	15	longevity	longevity	NOUN
fsr-3463	302	16	risk	risk	NOUN
fsr-3463	302	17	.	.	PUNCT
fsr-3463	303	1	in	in	ADP
fsr-3463	303	2	the	the	DET
fsr-3463	303	3	presence	presence	NOUN
fsr-3463	303	4	of	of	ADP
fsr-3463	303	5	other	other	ADJ
fsr-3463	303	6	assets	asset	NOUN
fsr-3463	303	7	intended	intend	VERB
fsr-3463	303	8	to	to	PART
fsr-3463	303	9	be	be	AUX
fsr-3463	303	10	left	leave	VERB
fsr-3463	303	11	as	as	ADP
fsr-3463	303	12	a	a	DET
fsr-3463	303	13	bequest	bequest	NOUN
fsr-3463	303	14	,	,	PUNCT
fsr-3463	303	15	annuitization	annuitization	NOUN
fsr-3463	303	16	can	can	AUX
fsr-3463	303	17	be	be	AUX
fsr-3463	303	18	viewed	view	VERB
fsr-3463	303	19	as	as	ADP
fsr-3463	303	20	protecting	protect	VERB
fsr-3463	303	21	those	those	DET
fsr-3463	303	22	assets	asset	NOUN
fsr-3463	303	23	against	against	ADP
fsr-3463	303	24	consumption	consumption	NOUN
fsr-3463	303	25	due	due	ADP
fsr-3463	303	26	to	to	ADP
fsr-3463	303	27	a	a	DET
fsr-3463	303	28	person	person	NOUN
fsr-3463	303	29	’s	’s	PART
fsr-3463	303	30	excessive	excessive	ADJ
fsr-3463	303	31	longevity	longevity	NOUN
fsr-3463	303	32	.	.	PUNCT
fsr-3463	304	1	thus	thus	ADV
fsr-3463	304	2	,	,	PUNCT
fsr-3463	304	3	in	in	ADP
fsr-3463	304	4	the	the	DET
fsr-3463	304	5	absence	absence	NOUN
fsr-3463	304	6	of	of	ADP
fsr-3463	304	7	(	(	PUNCT
fsr-3463	304	8	partial	partial	ADJ
fsr-3463	304	9	)	)	PUNCT
fsr-3463	304	10	annuitization	annuitization	NOUN
fsr-3463	304	11	,	,	PUNCT
fsr-3463	304	12	these	these	DET
fsr-3463	304	13	assets	asset	NOUN
fsr-3463	304	14	might	might	AUX
fsr-3463	304	15	be	be	AUX
fsr-3463	304	16	completely	completely	ADV
fsr-3463	304	17	exhausted	exhausted	ADJ
fsr-3463	304	18	due	due	ADP
fsr-3463	304	19	to	to	ADP
fsr-3463	304	20	living	living	NOUN
fsr-3463	304	21	expenses	expense	NOUN
fsr-3463	304	22	incurred	incur	VERB
fsr-3463	304	23	during	during	ADP
fsr-3463	304	24	an	an	DET
fsr-3463	304	25	exceptionally	exceptionally	ADV
fsr-3463	304	26	long	long	ADJ
fsr-3463	304	27	life	life	NOUN
fsr-3463	304	28	.	.	PUNCT
fsr-3463	305	1	this	this	DET
fsr-3463	305	2	bequest	bequ	ADJ
fsr-3463	305	3	protection	protection	NOUN
fsr-3463	305	4	frame	frame	NOUN
fsr-3463	305	5	presents	present	VERB
fsr-3463	305	6	the	the	DET
fsr-3463	305	7	annuity	annuity	NOUN
fsr-3463	305	8	as	as	ADP
fsr-3463	305	9	a	a	DET
fsr-3463	305	10	downside	downside	ADJ
fsr-3463	305	11	protection	protection	NOUN
fsr-3463	305	12	for	for	ADP
fsr-3463	305	13	inheritance	inheritance	NOUN
fsr-3463	305	14	goals	goal	NOUN
fsr-3463	305	15	.	.	PUNCT
fsr-3463	306	1	we	we	PRON
fsr-3463	306	2	hypothesized	hypothesize	VERB
fsr-3463	306	3	that	that	SCONJ
fsr-3463	306	4	this	this	DET
fsr-3463	306	5	framing	frame	VERB
fsr-3463	306	6	intervention	intervention	NOUN
fsr-3463	306	7	would	would	AUX
fsr-3463	306	8	encourage	encourage	VERB
fsr-3463	306	9	interest	interest	NOUN
fsr-3463	306	10	in	in	ADP
fsr-3463	306	11	using	use	VERB
fsr-3463	306	12	annuities	annuity	NOUN
fsr-3463	306	13	in	in	ADP
fsr-3463	306	14	retirement	retirement	NOUN
fsr-3463	306	15	.	.	PUNCT
fsr-3463	307	1	the	the	DET
fsr-3463	307	2	results	result	NOUN
fsr-3463	307	3	are	be	AUX
fsr-3463	307	4	consistent	consistent	ADJ
fsr-3463	307	5	with	with	ADP
fsr-3463	307	6	this	this	DET
fsr-3463	307	7	hypotheses	hypothesis	NOUN
fsr-3463	307	8	that	that	SCONJ
fsr-3463	307	9	framing	frame	VERB
fsr-3463	307	10	matters	matter	NOUN
fsr-3463	307	11	.	.	PUNCT
fsr-3463	308	1	on	on	ADP
fsr-3463	308	2	average	average	ADJ
fsr-3463	308	3	,	,	PUNCT
fsr-3463	308	4	introducing	introduce	VERB
fsr-3463	308	5	the	the	DET
fsr-3463	308	6	bequest	bequ	ADJ
fsr-3463	308	7	protection	protection	NOUN
fsr-3463	308	8	framing	frame	VERB
fsr-3463	308	9	intervention	intervention	NOUN
fsr-3463	308	10	increases	increase	VERB
fsr-3463	308	11	interest	interest	NOUN
fsr-3463	308	12	in	in	ADP
fsr-3463	308	13	using	use	VERB
fsr-3463	308	14	an	an	DET
fsr-3463	308	15	annuity	annuity	NOUN
fsr-3463	308	16	in	in	ADP
fsr-3463	308	17	retirement	retirement	NOUN
fsr-3463	308	18	.	.	PUNCT
fsr-3463	309	1	additionally	additionally	ADV
fsr-3463	309	2	,	,	PUNCT
fsr-3463	309	3	regression	regression	NOUN
fsr-3463	309	4	models	model	NOUN
fsr-3463	309	5	showed	show	VERB
fsr-3463	309	6	that	that	SCONJ
fsr-3463	309	7	a	a	DET
fsr-3463	309	8	greater	great	ADJ
fsr-3463	309	9	bequest	bequ	ADJ
fsr-3463	309	10	motive	motive	NOUN
fsr-3463	309	11	leads	lead	VERB
fsr-3463	309	12	to	to	ADP
fsr-3463	309	13	a	a	DET
fsr-3463	309	14	more	more	ADV
fsr-3463	309	15	positive	positive	ADJ
fsr-3463	309	16	effect	effect	NOUN
fsr-3463	309	17	of	of	ADP
fsr-3463	309	18	the	the	DET
fsr-3463	309	19	bequest	bequ	ADJ
fsr-3463	309	20	protection	protection	NOUN
fsr-3463	309	21	framing	frame	VERB
fsr-3463	309	22	intervention	intervention	NOUN
fsr-3463	309	23	on	on	ADP
fsr-3463	309	24	the	the	DET
fsr-3463	309	25	predicted	predict	VERB
fsr-3463	309	26	likelihood	likelihood	NOUN
fsr-3463	309	27	of	of	ADP
fsr-3463	309	28	using	use	VERB
fsr-3463	309	29	an	an	DET
fsr-3463	309	30	annuity	annuity	NOUN
fsr-3463	309	31	in	in	ADP
fsr-3463	309	32	retirement	retirement	NOUN
fsr-3463	309	33	.	.	PUNCT
fsr-3463	310	1	thus	thus	ADV
fsr-3463	310	2	,	,	PUNCT
fsr-3463	310	3	the	the	DET
fsr-3463	310	4	impact	impact	NOUN
fsr-3463	310	5	of	of	ADP
fsr-3463	310	6	the	the	DET
fsr-3463	310	7	intervention	intervention	NOUN
fsr-3463	310	8	is	be	AUX
fsr-3463	310	9	likely	likely	ADJ
fsr-3463	310	10	not	not	PART
fsr-3463	310	11	due	due	ADJ
fsr-3463	310	12	exclusively	exclusively	ADV
fsr-3463	310	13	to	to	ADP
fsr-3463	310	14	generalized	generalize	VERB
fsr-3463	310	15	experimenter	experimenter	NOUN
fsr-3463	310	16	demand	demand	NOUN
fsr-3463	310	17	effects	effect	NOUN
fsr-3463	310	18	.	.	PUNCT
fsr-3463	311	1	this	this	DET
fsr-3463	311	2	result	result	NOUN
fsr-3463	311	3	matches	match	VERB
fsr-3463	311	4	economic	economic	ADJ
fsr-3463	311	5	arguments	argument	NOUN
fsr-3463	311	6	for	for	ADP
fsr-3463	311	7	partial	partial	ADJ
fsr-3463	311	8	annuitization	annuitization	NOUN
fsr-3463	311	9	as	as	ADP
fsr-3463	311	10	benefitting	benefit	VERB
fsr-3463	311	11	heirs	heir	NOUN
fsr-3463	311	12	by	by	ADP
fsr-3463	311	13	reducing	reduce	VERB
fsr-3463	311	14	bequest	bequest	NOUN
fsr-3463	311	15	volatility	volatility	NOUN
fsr-3463	311	16	but	but	CCONJ
fsr-3463	311	17	suggests	suggest	VERB
fsr-3463	311	18	a	a	DET
fsr-3463	311	19	necessary	necessary	ADJ
fsr-3463	311	20	role	role	NOUN
fsr-3463	311	21	for	for	ADP
fsr-3463	311	22	the	the	DET
fsr-3463	311	23	advisors	advisor	NOUN
fsr-3463	311	24	to	to	PART
fsr-3463	311	25	explain	explain	VERB
fsr-3463	311	26	this	this	DET
fsr-3463	311	27	justification	justification	NOUN
fsr-3463	311	28	.	.	PUNCT
fsr-3463	312	1	this	this	DET
fsr-3463	312	2	bequest	bequest	NOUN
fsr-3463	312	3	protection	protection	NOUN
fsr-3463	312	4	framing	framing	NOUN
fsr-3463	312	5	may	may	AUX
fsr-3463	312	6	represent	represent	VERB
fsr-3463	312	7	an	an	DET
fsr-3463	312	8	additional	additional	ADJ
fsr-3463	312	9	,	,	PUNCT
fsr-3463	312	10	practical	practical	ADJ
fsr-3463	312	11	approach	approach	NOUN
fsr-3463	312	12	to	to	ADP
fsr-3463	312	13	addressing	address	VERB
fsr-3463	312	14	the	the	DET
fsr-3463	312	15	annuitization	annuitization	NOUN
fsr-3463	312	16	puzzle	puzzle	NOUN
fsr-3463	312	17	(	(	PUNCT
fsr-3463	312	18	bernheim	bernheim	NOUN
fsr-3463	312	19	,	,	PUNCT
fsr-3463	312	20	1991	1991	NUM
fsr-3463	312	21	;	;	PUNCT
fsr-3463	312	22	bütler	bütler	NOUN
fsr-3463	312	23	&	&	CCONJ
fsr-3463	312	24	teppa	teppa	PROPN
fsr-3463	312	25	,	,	PUNCT
fsr-3463	312	26	2007	2007	NUM
fsr-3463	312	27	;	;	PUNCT
fsr-3463	312	28	yaari	yaari	PROPN
fsr-3463	312	29	,	,	PUNCT
fsr-3463	312	30	1965	1965	NUM
fsr-3463	312	31	)	)	PUNCT
fsr-3463	312	32	.	.	PUNCT
fsr-3463	313	1	this	this	DET
fsr-3463	313	2	preliminary	preliminary	ADJ
fsr-3463	313	3	evidence	evidence	NOUN
fsr-3463	313	4	suggests	suggest	VERB
fsr-3463	313	5	a	a	DET
fsr-3463	313	6	potential	potential	ADJ
fsr-3463	313	7	method	method	NOUN
fsr-3463	313	8	to	to	PART
fsr-3463	313	9	directly	directly	ADV
fsr-3463	313	10	address	address	VERB
fsr-3463	313	11	previous	previous	ADJ
fsr-3463	313	12	findings	finding	NOUN
fsr-3463	313	13	of	of	ADP
fsr-3463	313	14	a	a	DET
fsr-3463	313	15	negative	negative	ADJ
fsr-3463	313	16	association	association	NOUN
fsr-3463	313	17	between	between	ADP
fsr-3463	313	18	bequest	bequest	NOUN
fsr-3463	313	19	motives	motive	NOUN
fsr-3463	313	20	and	and	CCONJ
fsr-3463	313	21	annuitization	annuitization	NOUN
fsr-3463	313	22	(	(	PUNCT
fsr-3463	313	23	bernheim	bernheim	NOUN
fsr-3463	313	24	,	,	PUNCT
fsr-3463	313	25	1991	1991	NUM
fsr-3463	313	26	;	;	PUNCT
fsr-3463	313	27	bütler	bütler	NOUN
fsr-3463	313	28	&	&	CCONJ
fsr-3463	313	29	teppa	teppa	PROPN
fsr-3463	313	30	,	,	PUNCT
fsr-3463	313	31	2007	2007	NUM
fsr-3463	313	32	;	;	PUNCT
fsr-3463	313	33	yaari	yaari	PROPN
fsr-3463	313	34	,	,	PUNCT
fsr-3463	313	35	1965	1965	NUM
fsr-3463	313	36	)	)	PUNCT
fsr-3463	313	37	.	.	PUNCT
fsr-3463	314	1	without	without	ADP
fsr-3463	314	2	special	special	ADJ
fsr-3463	314	3	framing	framing	NOUN
fsr-3463	314	4	,	,	PUNCT
fsr-3463	314	5	this	this	DET
fsr-3463	314	6	negative	negative	ADJ
fsr-3463	314	7	association	association	NOUN
fsr-3463	314	8	is	be	AUX
fsr-3463	314	9	obvious	obvious	ADJ
fsr-3463	314	10	.	.	PUNCT
fsr-3463	315	1	annuity	annuity	NOUN
fsr-3463	315	2	wealth	wealth	NOUN
fsr-3463	315	3	is	be	AUX
fsr-3463	315	4	not	not	PART
fsr-3463	315	5	bequeathable	bequeathable	ADJ
fsr-3463	315	6	.	.	PUNCT
fsr-3463	316	1	therefore	therefore	ADV
fsr-3463	316	2	,	,	PUNCT
fsr-3463	316	3	people	people	NOUN
fsr-3463	316	4	who	who	PRON
fsr-3463	316	5	have	have	VERB
fsr-3463	316	6	a	a	DET
fsr-3463	316	7	bequest	bequest	NOUN
fsr-3463	316	8	motive	motive	NOUN
fsr-3463	316	9	may	may	AUX
fsr-3463	316	10	be	be	AUX
fsr-3463	316	11	less	less	ADV
fsr-3463	316	12	likely	likely	ADJ
fsr-3463	316	13	to	to	PART
fsr-3463	316	14	purchase	purchase	VERB
fsr-3463	316	15	life	life	NOUN
fsr-3463	316	16	annuities	annuity	NOUN
fsr-3463	316	17	.	.	PUNCT
fsr-3463	317	1	however	however	ADV
fsr-3463	317	2	,	,	PUNCT
fsr-3463	317	3	bequest	bequ	ADJ
fsr-3463	317	4	protection	protection	NOUN
fsr-3463	317	5	framing	framing	NOUN
fsr-3463	317	6	appears	appear	VERB
fsr-3463	317	7	to	to	PART
fsr-3463	317	8	most	most	ADV
fsr-3463	317	9	strongly	strongly	ADV
fsr-3463	317	10	influence	influence	VERB
fsr-3463	317	11	those	those	PRON
fsr-3463	317	12	who	who	PRON
fsr-3463	317	13	have	have	VERB
fsr-3463	317	14	higher	high	ADJ
fsr-3463	317	15	bequest	bequest	NOUN
fsr-3463	317	16	motives	motive	NOUN
fsr-3463	317	17	.	.	PUNCT
fsr-3463	318	1	developing	develop	VERB
fsr-3463	318	2	a	a	DET
fsr-3463	318	3	method	method	NOUN
fsr-3463	318	4	,	,	PUNCT
fsr-3463	318	5	such	such	ADJ
fsr-3463	318	6	as	as	ADP
fsr-3463	318	7	that	that	PRON
fsr-3463	318	8	tested	test	VERB
fsr-3463	318	9	here	here	ADV
fsr-3463	318	10	,	,	PUNCT
fsr-3463	318	11	to	to	PART
fsr-3463	318	12	address	address	VERB
fsr-3463	318	13	these	these	DET
fsr-3463	318	14	bequest	bequest	NOUN
fsr-3463	318	15	motive	motive	ADJ
fsr-3463	318	16	objections	objection	NOUN
fsr-3463	318	17	may	may	AUX
fsr-3463	318	18	be	be	AUX
fsr-3463	318	19	particularly	particularly	ADV
fsr-3463	318	20	important	important	ADJ
fsr-3463	318	21	because	because	SCONJ
fsr-3463	318	22	the	the	DET
fsr-3463	318	23	act	act	NOUN
fsr-3463	318	24	of	of	ADP
fsr-3463	318	25	annuity	annuity	NOUN
fsr-3463	318	26	contemplation	contemplation	NOUN
fsr-3463	318	27	may	may	AUX
fsr-3463	318	28	actually	actually	ADV
fsr-3463	318	29	increase	increase	VERB
fsr-3463	318	30	bequest	bequest	NOUN
fsr-3463	318	31	motives	motive	NOUN
fsr-3463	318	32	.	.	PUNCT
fsr-3463	319	1	past	past	ADJ
fsr-3463	319	2	research	research	NOUN
fsr-3463	319	3	has	have	AUX
fsr-3463	319	4	shown	show	VERB
fsr-3463	319	5	that	that	SCONJ
fsr-3463	319	6	annuity	annuity	NOUN
fsr-3463	319	7	contemplation	contemplation	NOUN
fsr-3463	319	8	generates	generate	VERB
fsr-3463	319	9	mortality	mortality	NOUN
fsr-3463	319	10	salience	salience	NOUN
fsr-3463	319	11	(	(	PUNCT
fsr-3463	319	12	salisbury	salisbury	PROPN
fsr-3463	319	13	&	&	CCONJ
fsr-3463	319	14	nenkov	nenkov	PROPN
fsr-3463	319	15	,	,	PUNCT
fsr-3463	319	16	2016	2016	NUM
fsr-3463	319	17	)	)	PUNCT
fsr-3463	319	18	and	and	CCONJ
fsr-3463	319	19	also	also	ADV
fsr-3463	319	20	that	that	SCONJ
fsr-3463	319	21	mortality	mortality	NOUN
fsr-3463	319	22	salience	salience	NOUN
fsr-3463	319	23	generates	generate	VERB
fsr-3463	319	24	an	an	DET
fsr-3463	319	25	increased	increased	ADJ
fsr-3463	319	26	desire	desire	NOUN
fsr-3463	319	27	for	for	ADP
fsr-3463	319	28	lasting	last	VERB
fsr-3463	319	29	social	social	ADJ
fsr-3463	319	30	impact	impact	NOUN
fsr-3463	319	31	,	,	PUNCT
fsr-3463	320	1	a.k.a	a.k.a	INTJ
fsr-3463	320	2	.	.	ADJ
fsr-3463	320	3	,	,	PUNCT
fsr-3463	320	4	pursuit	pursuit	NOUN
fsr-3463	320	5	of	of	ADP
fsr-3463	320	6	symbolic	symbolic	ADJ
fsr-3463	320	7	immortality	immortality	NOUN
fsr-3463	320	8	(	(	PUNCT
fsr-3463	320	9	james	james	PROPN
fsr-3463	320	10	,	,	PUNCT
fsr-3463	320	11	2016	2016	NUM
fsr-3463	320	12	;	;	PUNCT
fsr-3463	320	13	pyszczynski	pyszczynski	NOUN
fsr-3463	320	14	,	,	PUNCT
fsr-3463	320	15	greenberg	greenberg	PROPN
fsr-3463	320	16	,	,	PUNCT
fsr-3463	320	17	&	&	CCONJ
fsr-3463	320	18	solomon	solomon	PROPN
fsr-3463	320	19	,	,	PUNCT
fsr-3463	320	20	1999	1999	NUM
fsr-3463	320	21	)	)	PUNCT
fsr-3463	320	22	.	.	PUNCT
fsr-3463	321	1	this	this	DET
fsr-3463	321	2	results	result	NOUN
fsr-3463	321	3	in	in	ADP
fsr-3463	321	4	the	the	DET
fsr-3463	321	5	outcome	outcome	NOUN
fsr-3463	321	6	,	,	PUNCT
fsr-3463	321	7	demonstrated	demonstrate	VERB
fsr-3463	321	8	by	by	ADP
fsr-3463	321	9	williams	williams	PROPN
fsr-3463	321	10	and	and	CCONJ
fsr-3463	321	11	james	james	PROPN
fsr-3463	321	12	(	(	PUNCT
fsr-3463	321	13	2019	2019	NUM
fsr-3463	321	14	)	)	PUNCT
fsr-3463	321	15	,	,	PUNCT
fsr-3463	321	16	that	that	SCONJ
fsr-3463	321	17	increasing	increase	VERB
fsr-3463	321	18	mortality	mortality	NOUN
fsr-3463	321	19	salience	salience	NOUN
fsr-3463	321	20	increases	increase	VERB
fsr-3463	321	21	interest	interest	NOUN
fsr-3463	321	22	in	in	ADP
fsr-3463	321	23	annuities	annuity	NOUN
fsr-3463	321	24	that	that	PRON
fsr-3463	321	25	pay	pay	VERB
fsr-3463	321	26	less	less	ADJ
fsr-3463	321	27	income	income	NOUN
fsr-3463	321	28	but	but	CCONJ
fsr-3463	321	29	include	include	VERB
fsr-3463	321	30	bequest	bequest	NOUN
fsr-3463	321	31	benefits	benefit	NOUN
fsr-3463	321	32	relative	relative	ADJ
fsr-3463	321	33	to	to	ADP
fsr-3463	321	34	those	those	PRON
fsr-3463	321	35	that	that	PRON
fsr-3463	321	36	pay	pay	VERB
fsr-3463	321	37	more	more	ADJ
fsr-3463	321	38	income	income	NOUN
fsr-3463	321	39	with	with	ADP
fsr-3463	321	40	no	no	DET
fsr-3463	321	41	such	such	ADJ
fsr-3463	321	42	bequest	bequest	NOUN
fsr-3463	321	43	benefit	benefit	NOUN
fsr-3463	321	44	.	.	PUNCT
fsr-3463	322	1	however	however	ADV
fsr-3463	322	2	,	,	PUNCT
fsr-3463	322	3	this	this	DET
fsr-3463	322	4	outcome	outcome	NOUN
fsr-3463	322	5	is	be	AUX
fsr-3463	322	6	unlikely	unlikely	ADJ
fsr-3463	322	7	to	to	PART
fsr-3463	322	8	be	be	AUX
fsr-3463	322	9	an	an	DET
fsr-3463	322	10	ideal	ideal	ADJ
fsr-3463	322	11	financial	financial	ADJ
fsr-3463	322	12	planning	planning	NOUN
fsr-3463	322	13	choice	choice	NOUN
fsr-3463	322	14	.	.	PUNCT
fsr-3463	323	1	the	the	DET
fsr-3463	323	2	current	current	ADJ
fsr-3463	323	3	reframing	reframe	VERB
fsr-3463	323	4	approach	approach	NOUN
fsr-3463	323	5	offers	offer	VERB
fsr-3463	323	6	the	the	DET
fsr-3463	323	7	advantage	advantage	NOUN
fsr-3463	323	8	that	that	PRON
fsr-3463	323	9	no	no	DET
fsr-3463	323	10	product	product	NOUN
fsr-3463	323	11	changes	change	NOUN
fsr-3463	323	12	are	be	AUX
fsr-3463	323	13	needed	need	VERB
fsr-3463	323	14	to	to	PART
fsr-3463	323	15	increase	increase	VERB
fsr-3463	323	16	the	the	DET
fsr-3463	323	17	acceptability	acceptability	NOUN
fsr-3463	323	18	of	of	ADP
fsr-3463	323	19	the	the	DET
fsr-3463	323	20	annuity	annuity	NOUN
fsr-3463	323	21	choice	choice	NOUN
fsr-3463	323	22	.	.	PUNCT
fsr-3463	324	1	of	of	ADP
fsr-3463	324	2	course	course	NOUN
fsr-3463	324	3	,	,	PUNCT
fsr-3463	324	4	the	the	DET
fsr-3463	324	5	present	present	ADJ
fsr-3463	324	6	experiment	experiment	NOUN
fsr-3463	324	7	measures	measure	VERB
fsr-3463	324	8	responses	response	NOUN
fsr-3463	324	9	to	to	ADP
fsr-3463	324	10	a	a	DET
fsr-3463	324	11	hypothetical	hypothetical	ADJ
fsr-3463	324	12	question	question	NOUN
fsr-3463	324	13	about	about	ADP
fsr-3463	324	14	an	an	DET
fsr-3463	324	15	annuity	annuity	NOUN
fsr-3463	324	16	purchase	purchase	NOUN
fsr-3463	324	17	decision	decision	NOUN
fsr-3463	324	18	to	to	PART
fsr-3463	324	19	be	be	AUX
fsr-3463	324	20	made	make	VERB
fsr-3463	324	21	at	at	ADP
fsr-3463	324	22	age	age	NOUN
fsr-3463	324	23	65	65	NUM
fsr-3463	324	24	.	.	PUNCT
fsr-3463	325	1	it	it	PRON
fsr-3463	325	2	does	do	AUX
fsr-3463	325	3	not	not	PART
fsr-3463	325	4	measure	measure	VERB
fsr-3463	325	5	actual	actual	ADJ
fsr-3463	325	6	purchase	purchase	NOUN
fsr-3463	325	7	behavior	behavior	NOUN
fsr-3463	325	8	.	.	PUNCT
fsr-3463	326	1	behavioral	behavioral	ADJ
fsr-3463	326	2	intentions	intention	NOUN
fsr-3463	326	3	can	can	AUX
fsr-3463	326	4	differ	differ	VERB
fsr-3463	326	5	from	from	ADP
fsr-3463	326	6	actual	actual	ADJ
fsr-3463	326	7	behavior	behavior	NOUN
fsr-3463	326	8	.	.	PUNCT
fsr-3463	327	1	however	however	ADV
fsr-3463	327	2	,	,	PUNCT
fsr-3463	327	3	because	because	SCONJ
fsr-3463	327	4	this	this	DET
fsr-3463	327	5	analysis	analysis	NOUN
fsr-3463	327	6	focuses	focus	VERB
fsr-3463	327	7	on	on	ADP
fsr-3463	327	8	the	the	DET
fsr-3463	327	9	change	change	NOUN
fsr-3463	327	10	in	in	ADP
fsr-3463	327	11	behavioral	behavioral	ADJ
fsr-3463	327	12	intentions	intention	NOUN
fsr-3463	327	13	,	,	PUNCT
fsr-3463	327	14	the	the	DET
fsr-3463	327	15	results	result	NOUN
fsr-3463	327	16	can	can	AUX
fsr-3463	327	17	be	be	AUX
fsr-3463	327	18	instructive	instructive	ADJ
fsr-3463	327	19	even	even	ADV
fsr-3463	327	20	in	in	ADP
fsr-3463	327	21	the	the	DET
fsr-3463	327	22	presence	presence	NOUN
fsr-3463	327	23	of	of	ADP
fsr-3463	327	24	imprecise	imprecise	ADJ
fsr-3463	327	25	measurements	measurement	NOUN
fsr-3463	327	26	or	or	CCONJ
fsr-3463	327	27	additional	additional	ADJ
fsr-3463	327	28	barriers	barrier	NOUN
fsr-3463	327	29	between	between	ADP
fsr-3463	327	30	intentions	intention	NOUN
fsr-3463	327	31	and	and	CCONJ
fsr-3463	327	32	action	action	NOUN
fsr-3463	327	33	.	.	PUNCT
fsr-3463	328	1	y.	y.	PROPN
fsr-3463	328	2	yan	yan	PROPN
fsr-3463	329	1	and	and	CCONJ
fsr-3463	329	2	r.	r.	PROPN
fsr-3463	329	3	n.	n.	PROPN
fsr-3463	329	4	james	james	PROPN
fsr-3463	329	5	/	/	SYM
fsr-3463	329	6	financial	financial	ADJ
fsr-3463	329	7	services	service	NOUN
fsr-3463	329	8	review	review	VERB
fsr-3463	329	9	29	29	NUM
fsr-3463	329	10	(	(	PUNCT
fsr-3463	329	11	2021	2021	NUM
fsr-3463	329	12	)	)	PUNCT
fsr-3463	330	1	277–291	277–291	NUM
fsr-3463	330	2	287	287	NUM
fsr-3463	330	3	4.1	4.1	NUM
fsr-3463	330	4	.	.	PUNCT
fsr-3463	331	1	financial	financial	ADJ
fsr-3463	331	2	planning	planning	NOUN
fsr-3463	331	3	practice	practice	NOUN
fsr-3463	331	4	implications	implication	NOUN
fsr-3463	331	5	:	:	PUNCT
fsr-3463	331	6	client	client	NOUN
fsr-3463	331	7	conversations	conversation	NOUN
fsr-3463	331	8	economic	economic	ADJ
fsr-3463	331	9	theory	theory	NOUN
fsr-3463	331	10	demonstrates	demonstrate	VERB
fsr-3463	331	11	that	that	SCONJ
fsr-3463	331	12	partial	partial	ADJ
fsr-3463	331	13	annuitization	annuitization	NOUN
fsr-3463	331	14	may	may	AUX
fsr-3463	331	15	be	be	AUX
fsr-3463	331	16	ideal	ideal	ADJ
fsr-3463	331	17	even	even	ADV
fsr-3463	331	18	for	for	ADP
fsr-3463	331	19	those	those	DET
fsr-3463	331	20	individuals	individual	NOUN
fsr-3463	331	21	with	with	ADP
fsr-3463	331	22	a	a	DET
fsr-3463	331	23	strong	strong	ADJ
fsr-3463	331	24	bequest	bequest	NOUN
fsr-3463	331	25	motive	motive	NOUN
fsr-3463	331	26	.	.	PUNCT
fsr-3463	332	1	partial	partial	ADJ
fsr-3463	332	2	annuitization	annuitization	NOUN
fsr-3463	332	3	reduces	reduce	VERB
fsr-3463	332	4	the	the	DET
fsr-3463	332	5	volatility	volatility	NOUN
fsr-3463	332	6	of	of	ADP
fsr-3463	332	7	a	a	DET
fsr-3463	332	8	bequest	bequest	NOUN
fsr-3463	332	9	by	by	ADP
fsr-3463	332	10	providing	provide	VERB
fsr-3463	332	11	protection	protection	NOUN
fsr-3463	332	12	against	against	ADP
fsr-3463	332	13	reduction	reduction	NOUN
fsr-3463	332	14	or	or	CCONJ
fsr-3463	332	15	exhaustion	exhaustion	NOUN
fsr-3463	332	16	of	of	ADP
fsr-3463	332	17	the	the	DET
fsr-3463	332	18	bequest	bequ	ADJ
fsr-3463	332	19	assets	asset	NOUN
fsr-3463	332	20	due	due	ADJ
fsr-3463	332	21	to	to	ADP
fsr-3463	332	22	income	income	NOUN
fsr-3463	332	23	needs	need	NOUN
fsr-3463	332	24	resulting	result	VERB
fsr-3463	332	25	from	from	ADP
fsr-3463	332	26	longevity	longevity	NOUN
fsr-3463	332	27	risk	risk	NOUN
fsr-3463	332	28	.	.	PUNCT
fsr-3463	333	1	the	the	DET
fsr-3463	333	2	current	current	ADJ
fsr-3463	333	3	results	result	NOUN
fsr-3463	333	4	suggest	suggest	VERB
fsr-3463	333	5	that	that	SCONJ
fsr-3463	333	6	this	this	DET
fsr-3463	333	7	argument	argument	NOUN
fsr-3463	333	8	,	,	PUNCT
fsr-3463	333	9	when	when	SCONJ
fsr-3463	333	10	presented	present	VERB
fsr-3463	333	11	in	in	ADP
fsr-3463	333	12	nontechnical	nontechnical	ADJ
fsr-3463	333	13	terms	term	NOUN
fsr-3463	333	14	,	,	PUNCT
fsr-3463	333	15	can	can	AUX
fsr-3463	333	16	be	be	AUX
fsr-3463	333	17	persuasive	persuasive	ADJ
fsr-3463	333	18	to	to	ADP
fsr-3463	333	19	the	the	DET
fsr-3463	333	20	general	general	ADJ
fsr-3463	333	21	public	public	NOUN
fsr-3463	333	22	.	.	PUNCT
fsr-3463	334	1	however	however	ADV
fsr-3463	334	2	,	,	PUNCT
fsr-3463	334	3	the	the	DET
fsr-3463	334	4	argument	argument	NOUN
fsr-3463	334	5	is	be	AUX
fsr-3463	334	6	not	not	PART
fsr-3463	334	7	uniformly	uniformly	ADV
fsr-3463	334	8	attractive	attractive	ADJ
fsr-3463	334	9	.	.	PUNCT
fsr-3463	335	1	it	it	PRON
fsr-3463	335	2	is	be	AUX
fsr-3463	335	3	more	more	ADV
fsr-3463	335	4	compelling	compelling	ADJ
fsr-3463	335	5	for	for	ADP
fsr-3463	335	6	some	some	DET
fsr-3463	335	7	people	people	NOUN
fsr-3463	335	8	than	than	ADP
fsr-3463	335	9	others	other	NOUN
fsr-3463	335	10	.	.	PUNCT
fsr-3463	336	1	in	in	ADP
fsr-3463	336	2	particular	particular	ADJ
fsr-3463	336	3	,	,	PUNCT
fsr-3463	336	4	the	the	DET
fsr-3463	336	5	argument	argument	NOUN
fsr-3463	336	6	is	be	AUX
fsr-3463	336	7	more	more	ADV
fsr-3463	336	8	compelling	compelling	ADJ
fsr-3463	336	9	for	for	ADP
fsr-3463	336	10	those	those	PRON
fsr-3463	336	11	who	who	PRON
fsr-3463	336	12	begin	begin	VERB
fsr-3463	336	13	with	with	ADP
fsr-3463	336	14	a	a	DET
fsr-3463	336	15	higher	high	ADJ
fsr-3463	336	16	bequest	bequest	NOUN
fsr-3463	336	17	motive	motive	NOUN
fsr-3463	336	18	.	.	PUNCT
fsr-3463	337	1	additionally	additionally	ADV
fsr-3463	337	2	,	,	PUNCT
fsr-3463	337	3	this	this	DET
fsr-3463	337	4	framing	framing	NOUN
fsr-3463	337	5	is	be	AUX
fsr-3463	337	6	more	more	ADV
fsr-3463	337	7	effective	effective	ADJ
fsr-3463	337	8	among	among	ADP
fsr-3463	337	9	women	woman	NOUN
fsr-3463	337	10	and	and	CCONJ
fsr-3463	337	11	those	those	PRON
fsr-3463	337	12	who	who	PRON
fsr-3463	337	13	are	be	AUX
fsr-3463	337	14	younger	young	ADJ
fsr-3463	337	15	.	.	PUNCT
fsr-3463	338	1	determining	determine	VERB
fsr-3463	338	2	bequest	bequest	ADJ
fsr-3463	338	3	motive	motive	NOUN
fsr-3463	338	4	need	need	AUX
fsr-3463	338	5	not	not	PART
fsr-3463	338	6	be	be	AUX
fsr-3463	338	7	a	a	DET
fsr-3463	338	8	complicated	complicated	ADJ
fsr-3463	338	9	task	task	NOUN
fsr-3463	338	10	for	for	ADP
fsr-3463	338	11	the	the	DET
fsr-3463	338	12	advisor	advisor	NOUN
fsr-3463	338	13	.	.	PUNCT
fsr-3463	339	1	some	some	DET
fsr-3463	339	2	clients	client	NOUN
fsr-3463	339	3	may	may	AUX
fsr-3463	339	4	bring	bring	VERB
fsr-3463	339	5	up	up	ADP
fsr-3463	339	6	such	such	ADJ
fsr-3463	339	7	concerns	concern	NOUN
fsr-3463	339	8	when	when	SCONJ
fsr-3463	339	9	annuities	annuity	NOUN
fsr-3463	339	10	are	be	AUX
fsr-3463	339	11	discussed	discuss	VERB
fsr-3463	339	12	.	.	PUNCT
fsr-3463	340	1	in	in	ADP
fsr-3463	340	2	this	this	DET
fsr-3463	340	3	study	study	NOUN
fsr-3463	340	4	,	,	PUNCT
fsr-3463	340	5	bequest	bequest	NOUN
fsr-3463	340	6	motives	motive	NOUN
fsr-3463	340	7	were	be	AUX
fsr-3463	340	8	measured	measure	VERB
fsr-3463	340	9	by	by	ADP
fsr-3463	340	10	the	the	DET
fsr-3463	340	11	response	response	NOUN
fsr-3463	340	12	to	to	ADP
fsr-3463	340	13	the	the	DET
fsr-3463	340	14	question	question	NOUN
fsr-3463	340	15	,	,	PUNCT
fsr-3463	340	16	“	"	PUNCT
fsr-3463	340	17	how	how	SCONJ
fsr-3463	340	18	much	much	ADJ
fsr-3463	340	19	did	do	AUX
fsr-3463	340	20	you	you	PRON
fsr-3463	340	21	consider	consider	VERB
fsr-3463	340	22	your	your	PRON
fsr-3463	340	23	desire	desire	NOUN
fsr-3463	340	24	to	to	PART
fsr-3463	340	25	leave	leave	VERB
fsr-3463	340	26	money	money	NOUN
fsr-3463	340	27	to	to	ADP
fsr-3463	340	28	your	your	PRON
fsr-3463	340	29	heirs	heir	NOUN
fsr-3463	340	30	when	when	SCONJ
fsr-3463	340	31	making	make	VERB
fsr-3463	340	32	the	the	DET
fsr-3463	340	33	[	[	X
fsr-3463	340	34	retirement	retirement	NOUN
fsr-3463	340	35	]	]	X
fsr-3463	340	36	spending	spending	NOUN
fsr-3463	340	37	choice	choice	NOUN
fsr-3463	340	38	on	on	ADP
fsr-3463	340	39	the	the	DET
fsr-3463	340	40	last	last	ADJ
fsr-3463	340	41	question	question	NOUN
fsr-3463	340	42	?	?	PUNCT
fsr-3463	340	43	”	"	PUNCT
fsr-3463	341	1	similarly	similarly	ADV
fsr-3463	341	2	simple	simple	ADJ
fsr-3463	341	3	questions	question	NOUN
fsr-3463	341	4	may	may	AUX
fsr-3463	341	5	also	also	ADV
fsr-3463	341	6	elicit	elicit	VERB
fsr-3463	341	7	the	the	DET
fsr-3463	341	8	relevant	relevant	ADJ
fsr-3463	341	9	motivations	motivation	NOUN
fsr-3463	341	10	from	from	ADP
fsr-3463	341	11	clients	client	NOUN
fsr-3463	341	12	.	.	PUNCT
fsr-3463	342	1	where	where	SCONJ
fsr-3463	342	2	such	such	ADJ
fsr-3463	342	3	bequest	bequest	NOUN
fsr-3463	342	4	motives	motive	NOUN
fsr-3463	342	5	exist	exist	VERB
fsr-3463	342	6	,	,	PUNCT
fsr-3463	342	7	the	the	DET
fsr-3463	342	8	bequest	bequ	ADJ
fsr-3463	342	9	protection	protection	NOUN
fsr-3463	342	10	framing	frame	VERB
fsr-3463	342	11	for	for	ADP
fsr-3463	342	12	annuities	annuity	NOUN
fsr-3463	342	13	may	may	AUX
fsr-3463	342	14	be	be	AUX
fsr-3463	342	15	particularly	particularly	ADV
fsr-3463	342	16	effective	effective	ADJ
fsr-3463	342	17	.	.	PUNCT
fsr-3463	343	1	4.2	4.2	NUM
fsr-3463	343	2	.	.	PUNCT
fsr-3463	343	3	financial	financial	ADJ
fsr-3463	343	4	planning	planning	NOUN
fsr-3463	343	5	practice	practice	NOUN
fsr-3463	343	6	implications	implication	NOUN
fsr-3463	343	7	:	:	PUNCT
fsr-3463	343	8	client	client	NOUN
fsr-3463	343	9	annuity	annuity	NOUN
fsr-3463	343	10	usage	usage	NOUN
fsr-3463	343	11	the	the	DET
fsr-3463	343	12	results	result	NOUN
fsr-3463	343	13	presented	present	VERB
fsr-3463	343	14	here	here	ADV
fsr-3463	343	15	have	have	AUX
fsr-3463	343	16	two	two	NUM
fsr-3463	343	17	practical	practical	ADJ
fsr-3463	343	18	implications	implication	NOUN
fsr-3463	343	19	for	for	ADP
fsr-3463	343	20	client	client	NOUN
fsr-3463	343	21	choice	choice	NOUN
fsr-3463	343	22	of	of	ADP
fsr-3463	343	23	annuity	annuity	NOUN
fsr-3463	343	24	products	product	NOUN
fsr-3463	343	25	.	.	PUNCT
fsr-3463	344	1	first	first	ADV
fsr-3463	344	2	,	,	PUNCT
fsr-3463	344	3	the	the	DET
fsr-3463	344	4	results	result	NOUN
fsr-3463	344	5	can	can	AUX
fsr-3463	344	6	be	be	AUX
fsr-3463	344	7	helpful	helpful	ADJ
fsr-3463	344	8	where	where	SCONJ
fsr-3463	344	9	annuities	annuity	NOUN
fsr-3463	344	10	are	be	AUX
fsr-3463	344	11	an	an	DET
fsr-3463	344	12	appropriate	appropriate	ADJ
fsr-3463	344	13	financial	financial	ADJ
fsr-3463	344	14	option	option	NOUN
fsr-3463	344	15	for	for	ADP
fsr-3463	344	16	clients	client	NOUN
fsr-3463	344	17	.	.	PUNCT
fsr-3463	345	1	the	the	DET
fsr-3463	345	2	results	result	NOUN
fsr-3463	345	3	demonstrate	demonstrate	VERB
fsr-3463	345	4	the	the	DET
fsr-3463	345	5	effectiveness	effectiveness	NOUN
fsr-3463	345	6	(	(	PUNCT
fsr-3463	345	7	especially	especially	ADV
fsr-3463	345	8	for	for	ADP
fsr-3463	345	9	certain	certain	ADJ
fsr-3463	345	10	people	people	NOUN
fsr-3463	345	11	)	)	PUNCT
fsr-3463	345	12	of	of	ADP
fsr-3463	345	13	a	a	DET
fsr-3463	345	14	bequest	bequ	ADJ
fsr-3463	345	15	protection	protection	NOUN
fsr-3463	345	16	framing	frame	VERB
fsr-3463	345	17	argument	argument	NOUN
fsr-3463	345	18	.	.	PUNCT
fsr-3463	346	1	second	second	ADJ
fsr-3463	346	2	,	,	PUNCT
fsr-3463	346	3	the	the	DET
fsr-3463	346	4	results	result	NOUN
fsr-3463	346	5	can	can	AUX
fsr-3463	346	6	be	be	AUX
fsr-3463	346	7	helpful	helpful	ADJ
fsr-3463	346	8	where	where	SCONJ
fsr-3463	346	9	the	the	DET
fsr-3463	346	10	typical	typical	ADJ
fsr-3463	346	11	form	form	NOUN
fsr-3463	346	12	of	of	ADP
fsr-3463	346	13	annuities	annuity	NOUN
fsr-3463	346	14	(	(	PUNCT
fsr-3463	346	15	annuities	annuity	NOUN
fsr-3463	346	16	with	with	ADP
fsr-3463	346	17	survivor	survivor	NOUN
fsr-3463	346	18	benefits	benefit	NOUN
fsr-3463	346	19	)	)	PUNCT
fsr-3463	346	20	are	be	AUX
fsr-3463	346	21	less	less	ADJ
fsr-3463	346	22	than	than	ADP
fsr-3463	346	23	optimal	optimal	ADJ
fsr-3463	346	24	.	.	PUNCT
fsr-3463	347	1	where	where	SCONJ
fsr-3463	347	2	williams	williams	PROPN
fsr-3463	347	3	and	and	CCONJ
fsr-3463	347	4	james	james	PROPN
fsr-3463	347	5	(	(	PUNCT
fsr-3463	347	6	2019	2019	NUM
fsr-3463	347	7	)	)	PUNCT
fsr-3463	347	8	showed	show	VERB
fsr-3463	347	9	that	that	SCONJ
fsr-3463	347	10	annuities	annuity	NOUN
fsr-3463	347	11	producing	produce	VERB
fsr-3463	347	12	less	less	ADJ
fsr-3463	347	13	income	income	NOUN
fsr-3463	347	14	and	and	CCONJ
fsr-3463	347	15	greater	great	ADJ
fsr-3463	347	16	bequest	bequest	NOUN
fsr-3463	347	17	benefits	benefit	NOUN
fsr-3463	347	18	become	become	VERB
fsr-3463	347	19	more	more	ADV
fsr-3463	347	20	attractive	attractive	ADJ
fsr-3463	347	21	with	with	ADP
fsr-3463	347	22	increased	increase	VERB
fsr-3463	347	23	mortality	mortality	NOUN
fsr-3463	347	24	salience	salience	NOUN
fsr-3463	347	25	,	,	PUNCT
fsr-3463	347	26	this	this	DET
fsr-3463	347	27	research	research	NOUN
fsr-3463	347	28	shows	show	VERB
fsr-3463	347	29	that	that	SCONJ
fsr-3463	347	30	it	it	PRON
fsr-3463	347	31	is	be	AUX
fsr-3463	347	32	not	not	PART
fsr-3463	347	33	necessarily	necessarily	ADV
fsr-3463	347	34	required	require	VERB
fsr-3463	347	35	to	to	PART
fsr-3463	347	36	change	change	VERB
fsr-3463	347	37	the	the	DET
fsr-3463	347	38	product	product	NOUN
fsr-3463	347	39	to	to	PART
fsr-3463	347	40	include	include	VERB
fsr-3463	347	41	more	more	ADJ
fsr-3463	347	42	bequest	bequest	NOUN
fsr-3463	347	43	benefits	benefit	NOUN
fsr-3463	347	44	,	,	PUNCT
fsr-3463	347	45	but	but	CCONJ
fsr-3463	347	46	it	it	PRON
fsr-3463	347	47	can	can	AUX
fsr-3463	347	48	work	work	VERB
fsr-3463	347	49	to	to	PART
fsr-3463	347	50	simply	simply	ADV
fsr-3463	347	51	change	change	VERB
fsr-3463	347	52	the	the	DET
fsr-3463	347	53	product	product	NOUN
fsr-3463	347	54	framing	frame	VERB
fsr-3463	347	55	to	to	PART
fsr-3463	347	56	highlight	highlight	VERB
fsr-3463	347	57	the	the	DET
fsr-3463	347	58	otherwise	otherwise	ADV
fsr-3463	347	59	unrealized	unrealized	ADJ
fsr-3463	347	60	bequest	bequest	NOUN
fsr-3463	347	61	benefits	benefit	NOUN
fsr-3463	347	62	.	.	PUNCT
fsr-3463	348	1	4.3	4.3	NUM
fsr-3463	348	2	.	.	PUNCT
fsr-3463	348	3	annuity	annuity	NOUN
fsr-3463	348	4	advantages	advantage	NOUN
fsr-3463	348	5	finding	find	VERB
fsr-3463	348	6	a	a	DET
fsr-3463	348	7	cost	cost	NOUN
fsr-3463	348	8	-	-	PUNCT
fsr-3463	348	9	free	free	ADJ
fsr-3463	348	10	way	way	NOUN
fsr-3463	348	11	to	to	PART
fsr-3463	348	12	encourage	encourage	VERB
fsr-3463	348	13	the	the	DET
fsr-3463	348	14	use	use	NOUN
fsr-3463	348	15	of	of	ADP
fsr-3463	348	16	annuities	annuity	NOUN
fsr-3463	348	17	—	—	PUNCT
fsr-3463	348	18	without	without	ADP
fsr-3463	348	19	the	the	DET
fsr-3463	348	20	addition	addition	NOUN
fsr-3463	348	21	of	of	ADP
fsr-3463	348	22	potentially	potentially	ADV
fsr-3463	348	23	unnecessary	unnecessary	ADJ
fsr-3463	348	24	life	life	NOUN
fsr-3463	348	25	-	-	PUNCT
fsr-3463	348	26	insurance	insurance	NOUN
fsr-3463	348	27	-	-	PUNCT
fsr-3463	348	28	like	like	ADJ
fsr-3463	348	29	bequest	bequest	NOUN
fsr-3463	348	30	benefits	benefit	NOUN
fsr-3463	348	31	—	—	PUNCT
fsr-3463	348	32	can	can	AUX
fsr-3463	348	33	be	be	AUX
fsr-3463	348	34	potentially	potentially	ADV
fsr-3463	348	35	beneficial	beneficial	ADJ
fsr-3463	348	36	for	for	ADP
fsr-3463	348	37	clients	client	NOUN
fsr-3463	348	38	.	.	PUNCT
fsr-3463	349	1	the	the	DET
fsr-3463	349	2	first	first	ADJ
fsr-3463	349	3	reason	reason	NOUN
fsr-3463	349	4	is	be	AUX
fsr-3463	349	5	the	the	DET
fsr-3463	349	6	risk	risk	NOUN
fsr-3463	349	7	.	.	PUNCT
fsr-3463	350	1	compared	compare	VERB
fsr-3463	350	2	with	with	ADP
fsr-3463	350	3	investing	invest	VERB
fsr-3463	350	4	in	in	ADP
fsr-3463	350	5	the	the	DET
fsr-3463	350	6	stock	stock	NOUN
fsr-3463	350	7	market	market	NOUN
fsr-3463	350	8	,	,	PUNCT
fsr-3463	350	9	the	the	DET
fsr-3463	350	10	risk	risk	NOUN
fsr-3463	350	11	of	of	ADP
fsr-3463	350	12	investing	invest	VERB
fsr-3463	350	13	in	in	ADP
fsr-3463	350	14	annuities	annuity	NOUN
fsr-3463	350	15	is	be	AUX
fsr-3463	350	16	relatively	relatively	ADV
fsr-3463	350	17	low	low	ADJ
fsr-3463	350	18	and	and	CCONJ
fsr-3463	350	19	the	the	DET
fsr-3463	350	20	annuity	annuity	NOUN
fsr-3463	350	21	lifetime	lifetime	NOUN
fsr-3463	350	22	income	income	NOUN
fsr-3463	350	23	or	or	CCONJ
fsr-3463	350	24	certain	certain	ADJ
fsr-3463	350	25	period	period	NOUN
fsr-3463	350	26	income	income	NOUN
fsr-3463	350	27	is	be	AUX
fsr-3463	350	28	guaranteed	guarantee	VERB
fsr-3463	350	29	.	.	PUNCT
fsr-3463	351	1	for	for	ADP
fsr-3463	351	2	example	example	NOUN
fsr-3463	351	3	,	,	PUNCT
fsr-3463	351	4	the	the	DET
fsr-3463	351	5	sequence	sequence	NOUN
fsr-3463	351	6	of	of	ADP
fsr-3463	351	7	returns	return	NOUN
fsr-3463	351	8	risk	risk	NOUN
fsr-3463	351	9	,	,	PUNCT
fsr-3463	351	10	which	which	PRON
fsr-3463	351	11	could	could	AUX
fsr-3463	351	12	have	have	VERB
fsr-3463	351	13	a	a	DET
fsr-3463	351	14	significant	significant	ADJ
fsr-3463	351	15	impact	impact	NOUN
fsr-3463	351	16	on	on	ADP
fsr-3463	351	17	retirees	retiree	NOUN
fsr-3463	351	18	’	'	PUNCT
fsr-3463	351	19	portfolios	portfolio	NOUN
fsr-3463	351	20	,	,	PUNCT
fsr-3463	351	21	does	do	AUX
fsr-3463	351	22	not	not	PART
fsr-3463	351	23	arise	arise	VERB
fsr-3463	351	24	with	with	ADP
fsr-3463	351	25	annuities	annuity	NOUN
fsr-3463	351	26	but	but	CCONJ
fsr-3463	351	27	does	do	AUX
fsr-3463	351	28	occur	occur	VERB
fsr-3463	351	29	with	with	ADP
fsr-3463	351	30	investing	invest	VERB
fsr-3463	351	31	in	in	ADP
fsr-3463	351	32	the	the	DET
fsr-3463	351	33	stock	stock	NOUN
fsr-3463	351	34	market	market	NOUN
fsr-3463	351	35	.	.	PUNCT
fsr-3463	352	1	a	a	DET
fsr-3463	352	2	monte	monte	PROPN
fsr-3463	352	3	carlo	carlo	PROPN
fsr-3463	352	4	simulation	simulation	PROPN
fsr-3463	352	5	shows	show	VERB
fsr-3463	352	6	the	the	DET
fsr-3463	352	7	impact	impact	NOUN
fsr-3463	352	8	from	from	ADP
fsr-3463	352	9	this	this	DET
fsr-3463	352	10	sequence	sequence	NOUN
fsr-3463	352	11	of	of	ADP
fsr-3463	352	12	returns	return	NOUN
fsr-3463	352	13	risk	risk	NOUN
fsr-3463	352	14	.	.	PUNCT
fsr-3463	353	1	the	the	DET
fsr-3463	353	2	simulation	simulation	NOUN
fsr-3463	353	3	assumes	assume	VERB
fsr-3463	353	4	a	a	DET
fsr-3463	353	5	retiree	retiree	NOUN
fsr-3463	353	6	with	with	ADP
fsr-3463	353	7	an	an	DET
fsr-3463	353	8	initial	initial	ADJ
fsr-3463	353	9	investment	investment	NOUN
fsr-3463	353	10	of	of	ADP
fsr-3463	353	11	$	$	SYM
fsr-3463	353	12	500,000	500,000	NUM
fsr-3463	353	13	dollars	dollar	NOUN
fsr-3463	353	14	,	,	PUNCT
fsr-3463	353	15	average	average	ADJ
fsr-3463	353	16	returns	return	NOUN
fsr-3463	353	17	for	for	ADP
fsr-3463	353	18	288	288	NUM
fsr-3463	353	19	y.	y.	PROPN
fsr-3463	353	20	yan	yan	PROPN
fsr-3463	353	21	and	and	CCONJ
fsr-3463	353	22	r.	r.	PROPN
fsr-3463	353	23	n.	n.	PROPN
fsr-3463	353	24	james	james	PROPN
fsr-3463	353	25	/	/	SYM
fsr-3463	353	26	financial	financial	ADJ
fsr-3463	353	27	services	service	NOUN
fsr-3463	353	28	review	review	VERB
fsr-3463	353	29	29	29	NUM
fsr-3463	353	30	(	(	PUNCT
fsr-3463	353	31	2021	2021	NUM
fsr-3463	353	32	)	)	PUNCT
fsr-3463	353	33	277–291	277–291	NUM
fsr-3463	353	34	stock	stock	NOUN
fsr-3463	353	35	market	market	NOUN
fsr-3463	353	36	of	of	ADP
fsr-3463	353	37	6	6	NUM
fsr-3463	353	38	%	%	NOUN
fsr-3463	353	39	(	(	PUNCT
fsr-3463	353	40	annually	annually	ADV
fsr-3463	353	41	)	)	PUNCT
fsr-3463	353	42	,	,	PUNCT
fsr-3463	353	43	a	a	DET
fsr-3463	353	44	standard	standard	ADJ
fsr-3463	353	45	deviation	deviation	NOUN
fsr-3463	353	46	of	of	ADP
fsr-3463	353	47	return	return	NOUN
fsr-3463	353	48	of	of	ADP
fsr-3463	353	49	20	20	NUM
fsr-3463	353	50	%	%	NOUN
fsr-3463	353	51	,	,	PUNCT
fsr-3463	353	52	a	a	DET
fsr-3463	353	53	time	time	NOUN
fsr-3463	353	54	horizon	horizon	NOUN
fsr-3463	353	55	for	for	ADP
fsr-3463	353	56	investment	investment	NOUN
fsr-3463	353	57	of	of	ADP
fsr-3463	353	58	20	20	NUM
fsr-3463	353	59	years	year	NOUN
fsr-3463	353	60	,	,	PUNCT
fsr-3463	353	61	and	and	CCONJ
fsr-3463	353	62	the	the	DET
fsr-3463	353	63	amount	amount	NOUN
fsr-3463	353	64	added	add	VERB
fsr-3463	353	65	to	to	ADP
fsr-3463	353	66	the	the	DET
fsr-3463	353	67	investment	investment	NOUN
fsr-3463	353	68	portfolio	portfolio	NOUN
fsr-3463	353	69	of	of	ADP
fsr-3463	353	70	$	$	SYM
fsr-3463	353	71	15,000	15,000	NUM
fsr-3463	353	72	at	at	ADP
fsr-3463	353	73	the	the	DET
fsr-3463	353	74	end	end	NOUN
fsr-3463	353	75	of	of	ADP
fsr-3463	353	76	each	each	DET
fsr-3463	353	77	year	year	NOUN
fsr-3463	353	78	.	.	PUNCT
fsr-3463	354	1	in	in	ADP
fsr-3463	354	2	10,000	10,000	NUM
fsr-3463	354	3	iterations	iteration	NOUN
fsr-3463	354	4	,	,	PUNCT
fsr-3463	354	5	the	the	DET
fsr-3463	354	6	ending	end	VERB
fsr-3463	354	7	portfolio	portfolio	NOUN
fsr-3463	354	8	(	(	PUNCT
fsr-3463	354	9	mean	mean	VERB
fsr-3463	354	10	$	$	SYM
fsr-3463	354	11	2,192,524	2,192,524	NUM
fsr-3463	354	12	;	;	PUNCT
fsr-3463	354	13	median	median	ADJ
fsr-3463	354	14	$	$	SYM
fsr-3463	354	15	1,633,929	1,633,929	NUM
fsr-3463	354	16	;	;	PUNCT
fsr-3463	354	17	standard	standard	ADJ
fsr-3463	354	18	deviation	deviation	NOUN
fsr-3463	354	19	$	$	SYM
fsr-3463	354	20	1,966,518	1,966,518	NUM
fsr-3463	354	21	)	)	PUNCT
fsr-3463	354	22	varies	vary	VERB
fsr-3463	354	23	widely	widely	ADV
fsr-3463	354	24	from	from	ADP
fsr-3463	354	25	the	the	DET
fsr-3463	354	26	fifth	fifth	ADJ
fsr-3463	354	27	percentile	percentile	ADJ
fsr-3463	354	28	outcome	outcome	NOUN
fsr-3463	354	29	of	of	ADP
fsr-3463	354	30	$	$	SYM
fsr-3463	354	31	465,544	465,544	NUM
fsr-3463	354	32	to	to	ADP
fsr-3463	354	33	the	the	DET
fsr-3463	354	34	95th	95th	ADJ
fsr-3463	354	35	percentile	percentile	ADJ
fsr-3463	354	36	outcome	outcome	NOUN
fsr-3463	354	37	of	of	ADP
fsr-3463	354	38	$	$	SYM
fsr-3463	354	39	5,722,992	5,722,992	NUM
fsr-3463	354	40	.	.	PUNCT
fsr-3463	355	1	if	if	SCONJ
fsr-3463	355	2	the	the	DET
fsr-3463	355	3	investors	investor	NOUN
fsr-3463	355	4	suffers	suffer	VERB
fsr-3463	355	5	a	a	DET
fsr-3463	355	6	“	"	PUNCT
fsr-3463	355	7	bad	bad	ADJ
fsr-3463	355	8	time	time	NOUN
fsr-3463	355	9	”	"	PUNCT
fsr-3463	355	10	at	at	ADP
fsr-3463	355	11	the	the	DET
fsr-3463	355	12	beginning	beginning	NOUN
fsr-3463	355	13	of	of	ADP
fsr-3463	355	14	the	the	DET
fsr-3463	355	15	investment	investment	NOUN
fsr-3463	355	16	period	period	NOUN
fsr-3463	355	17	,	,	PUNCT
fsr-3463	355	18	that	that	ADV
fsr-3463	355	19	is	is	ADV
fsr-3463	355	20	,	,	PUNCT
fsr-3463	355	21	negative	negative	ADJ
fsr-3463	355	22	returns	return	NOUN
fsr-3463	355	23	at	at	ADP
fsr-3463	355	24	the	the	DET
fsr-3463	355	25	beginning	beginning	NOUN
fsr-3463	355	26	of	of	ADP
fsr-3463	355	27	the	the	DET
fsr-3463	355	28	investment	investment	NOUN
fsr-3463	355	29	period	period	NOUN
fsr-3463	355	30	(	(	PUNCT
fsr-3463	355	31	e.g.	e.g.	ADV
fsr-3463	355	32	,	,	PUNCT
fsr-3463	355	33	caused	cause	VERB
fsr-3463	355	34	by	by	ADP
fsr-3463	355	35	an	an	DET
fsr-3463	355	36	economic	economic	ADJ
fsr-3463	355	37	crisis	crisis	NOUN
fsr-3463	355	38	or	or	CCONJ
fsr-3463	355	39	other	other	ADJ
fsr-3463	355	40	global	global	ADJ
fsr-3463	355	41	issues	issue	NOUN
fsr-3463	355	42	)	)	PUNCT
fsr-3463	355	43	,	,	PUNCT
fsr-3463	355	44	the	the	DET
fsr-3463	355	45	investors	investor	NOUN
fsr-3463	355	46	might	might	AUX
fsr-3463	355	47	suffer	suffer	VERB
fsr-3463	355	48	a	a	DET
fsr-3463	355	49	huge	huge	ADJ
fsr-3463	355	50	initial	initial	ADJ
fsr-3463	355	51	loss	loss	NOUN
fsr-3463	355	52	with	with	ADP
fsr-3463	355	53	regard	regard	NOUN
fsr-3463	355	54	to	to	ADP
fsr-3463	355	55	the	the	DET
fsr-3463	355	56	investment	investment	NOUN
fsr-3463	355	57	portfolio	portfolio	NOUN
fsr-3463	355	58	.	.	PUNCT
fsr-3463	356	1	if	if	SCONJ
fsr-3463	356	2	retirees	retiree	NOUN
fsr-3463	356	3	have	have	VERB
fsr-3463	356	4	such	such	DET
fsr-3463	356	5	a	a	DET
fsr-3463	356	6	loss	loss	NOUN
fsr-3463	356	7	in	in	ADP
fsr-3463	356	8	their	their	PRON
fsr-3463	356	9	investments	investment	NOUN
fsr-3463	356	10	,	,	PUNCT
fsr-3463	356	11	their	their	PRON
fsr-3463	356	12	assets	asset	NOUN
fsr-3463	356	13	might	might	AUX
fsr-3463	356	14	be	be	AUX
fsr-3463	356	15	completely	completely	ADV
fsr-3463	356	16	exhausted	exhausted	ADJ
fsr-3463	356	17	,	,	PUNCT
fsr-3463	356	18	and	and	CCONJ
fsr-3463	356	19	they	they	PRON
fsr-3463	356	20	may	may	AUX
fsr-3463	356	21	not	not	PART
fsr-3463	356	22	have	have	VERB
fsr-3463	356	23	sufficient	sufficient	ADJ
fsr-3463	356	24	wealth	wealth	NOUN
fsr-3463	356	25	for	for	ADP
fsr-3463	356	26	their	their	PRON
fsr-3463	356	27	retirement	retirement	NOUN
fsr-3463	356	28	.	.	PUNCT
fsr-3463	357	1	however	however	ADV
fsr-3463	357	2	,	,	PUNCT
fsr-3463	357	3	the	the	DET
fsr-3463	357	4	returns	return	NOUN
fsr-3463	357	5	for	for	ADP
fsr-3463	357	6	annuity	annuity	NOUN
fsr-3463	357	7	investments	investment	NOUN
fsr-3463	357	8	are	be	AUX
fsr-3463	357	9	stable	stable	ADJ
fsr-3463	357	10	and	and	CCONJ
fsr-3463	357	11	the	the	DET
fsr-3463	357	12	annuity	annuity	NOUN
fsr-3463	357	13	income	income	NOUN
fsr-3463	357	14	is	be	AUX
fsr-3463	357	15	typically	typically	ADV
fsr-3463	357	16	guaranteed	guarantee	VERB
fsr-3463	357	17	.	.	PUNCT
fsr-3463	358	1	for	for	ADP
fsr-3463	358	2	example	example	NOUN
fsr-3463	358	3	,	,	PUNCT
fsr-3463	358	4	in	in	ADP
fsr-3463	358	5	the	the	DET
fsr-3463	358	6	above	above	ADJ
fsr-3463	358	7	simulation	simulation	NOUN
fsr-3463	358	8	,	,	PUNCT
fsr-3463	358	9	placing	place	VERB
fsr-3463	358	10	10	10	NUM
fsr-3463	358	11	%	%	NOUN
fsr-3463	358	12	(	(	PUNCT
fsr-3463	358	13	$	$	SYM
fsr-3463	358	14	50,000	50,000	NUM
fsr-3463	358	15	)	)	PUNCT
fsr-3463	358	16	of	of	ADP
fsr-3463	358	17	the	the	DET
fsr-3463	358	18	initial	initial	ADJ
fsr-3463	358	19	investment	investment	NOUN
fsr-3463	358	20	into	into	ADP
fsr-3463	358	21	a	a	DET
fsr-3463	358	22	fixed	fix	VERB
fsr-3463	358	23	twenty	twenty	NUM
fsr-3463	358	24	-	-	PUNCT
fsr-3463	358	25	year	year	NOUN
fsr-3463	358	26	guaranteed	guarantee	VERB
fsr-3463	358	27	annuity	annuity	NOUN
fsr-3463	358	28	with	with	ADP
fsr-3463	358	29	a	a	DET
fsr-3463	358	30	lower	low	ADJ
fsr-3463	358	31	(	(	PUNCT
fsr-3463	358	32	4	4	NUM
fsr-3463	358	33	%	%	NOUN
fsr-3463	358	34	)	)	PUNCT
fsr-3463	358	35	return	return	NOUN
fsr-3463	358	36	increases	increase	VERB
fsr-3463	358	37	the	the	DET
fsr-3463	358	38	fifth	fifth	ADJ
fsr-3463	358	39	percentile	percentile	ADJ
fsr-3463	358	40	outcome	outcome	NOUN
fsr-3463	358	41	by	by	ADP
fsr-3463	358	42	30	30	NUM
fsr-3463	358	43	%	%	NOUN
fsr-3463	358	44	but	but	CCONJ
fsr-3463	358	45	decreases	decrease	VERB
fsr-3463	358	46	the	the	DET
fsr-3463	358	47	95th	95th	ADJ
fsr-3463	358	48	percentile	percentile	ADJ
fsr-3463	358	49	outcome	outcome	NOUN
fsr-3463	358	50	by	by	ADP
fsr-3463	358	51	only	only	ADV
fsr-3463	358	52	3	3	NUM
fsr-3463	358	53	%	%	NOUN
fsr-3463	358	54	.	.	PUNCT
fsr-3463	359	1	compared	compare	VERB
fsr-3463	359	2	with	with	ADP
fsr-3463	359	3	the	the	DET
fsr-3463	359	4	stock	stock	NOUN
fsr-3463	359	5	and	and	CCONJ
fsr-3463	359	6	mutual	mutual	ADJ
fsr-3463	359	7	fund	fund	NOUN
fsr-3463	359	8	market	market	NOUN
fsr-3463	359	9	,	,	PUNCT
fsr-3463	359	10	the	the	DET
fsr-3463	359	11	bond	bond	NOUN
fsr-3463	359	12	market	market	NOUN
fsr-3463	359	13	is	be	AUX
fsr-3463	359	14	a	a	DET
fsr-3463	359	15	closer	close	ADJ
fsr-3463	359	16	alternative	alternative	NOUN
fsr-3463	359	17	to	to	ADP
fsr-3463	359	18	annuities	annuity	NOUN
fsr-3463	359	19	for	for	ADP
fsr-3463	359	20	retirees	retiree	NOUN
fsr-3463	359	21	.	.	PUNCT
fsr-3463	360	1	however	however	ADV
fsr-3463	360	2	,	,	PUNCT
fsr-3463	360	3	bond	bond	NOUN
fsr-3463	360	4	investors	investor	NOUN
fsr-3463	360	5	still	still	ADV
fsr-3463	360	6	have	have	VERB
fsr-3463	360	7	to	to	PART
fsr-3463	360	8	face	face	VERB
fsr-3463	360	9	many	many	ADJ
fsr-3463	360	10	risks	risk	NOUN
fsr-3463	360	11	,	,	PUNCT
fsr-3463	360	12	such	such	ADJ
fsr-3463	360	13	as	as	ADP
fsr-3463	360	14	credit	credit	NOUN
fsr-3463	360	15	risk	risk	NOUN
fsr-3463	360	16	(	(	PUNCT
fsr-3463	360	17	bonds	bond	NOUN
fsr-3463	360	18	may	may	AUX
fsr-3463	360	19	not	not	PART
fsr-3463	360	20	pay	pay	VERB
fsr-3463	360	21	as	as	SCONJ
fsr-3463	360	22	expected	expect	VERB
fsr-3463	360	23	)	)	PUNCT
fsr-3463	360	24	,	,	PUNCT
fsr-3463	360	25	inflation	inflation	NOUN
fsr-3463	360	26	risk	risk	NOUN
fsr-3463	360	27	(	(	PUNCT
fsr-3463	360	28	as	as	ADP
fsr-3463	360	29	the	the	DET
fsr-3463	360	30	inflation	inflation	NOUN
fsr-3463	360	31	rate	rate	NOUN
fsr-3463	360	32	increases	increase	NOUN
fsr-3463	360	33	,	,	PUNCT
fsr-3463	360	34	the	the	DET
fsr-3463	360	35	coupon	coupon	NOUN
fsr-3463	360	36	income	income	NOUN
fsr-3463	360	37	values	value	NOUN
fsr-3463	360	38	becomes	become	VERB
fsr-3463	360	39	less	less	ADJ
fsr-3463	360	40	)	)	PUNCT
fsr-3463	360	41	,	,	PUNCT
fsr-3463	360	42	reinvestment	reinvestment	NOUN
fsr-3463	360	43	risk	risk	NOUN
fsr-3463	360	44	(	(	PUNCT
fsr-3463	360	45	investors	investor	NOUN
fsr-3463	360	46	may	may	AUX
fsr-3463	360	47	not	not	PART
fsr-3463	360	48	be	be	AUX
fsr-3463	360	49	able	able	ADJ
fsr-3463	360	50	to	to	PART
fsr-3463	360	51	find	find	VERB
fsr-3463	360	52	a	a	DET
fsr-3463	360	53	similar	similar	ADJ
fsr-3463	360	54	bond	bond	NOUN
fsr-3463	360	55	investment	investment	NOUN
fsr-3463	360	56	option	option	NOUN
fsr-3463	360	57	after	after	SCONJ
fsr-3463	360	58	existing	exist	VERB
fsr-3463	360	59	bonds	bond	NOUN
fsr-3463	360	60	mature	mature	VERB
fsr-3463	360	61	)	)	PUNCT
fsr-3463	360	62	,	,	PUNCT
fsr-3463	360	63	and	and	CCONJ
fsr-3463	360	64	liquidity	liquidity	NOUN
fsr-3463	360	65	risk	risk	NOUN
fsr-3463	360	66	(	(	PUNCT
fsr-3463	360	67	bonds	bond	NOUN
fsr-3463	360	68	may	may	AUX
fsr-3463	360	69	be	be	AUX
fsr-3463	360	70	unavailable	unavailable	ADJ
fsr-3463	360	71	to	to	PART
fsr-3463	360	72	meet	meet	VERB
fsr-3463	360	73	short	short	ADJ
fsr-3463	360	74	-	-	PUNCT
fsr-3463	360	75	term	term	NOUN
fsr-3463	360	76	financial	financial	ADJ
fsr-3463	360	77	goals	goal	NOUN
fsr-3463	360	78	)	)	PUNCT
fsr-3463	360	79	.	.	PUNCT
fsr-3463	361	1	thus	thus	ADV
fsr-3463	361	2	,	,	PUNCT
fsr-3463	361	3	if	if	SCONJ
fsr-3463	361	4	retirees	retiree	NOUN
fsr-3463	361	5	only	only	ADV
fsr-3463	361	6	invest	invest	VERB
fsr-3463	361	7	in	in	ADP
fsr-3463	361	8	stock	stock	NOUN
fsr-3463	361	9	,	,	PUNCT
fsr-3463	361	10	mutual	mutual	ADJ
fsr-3463	361	11	funds	fund	NOUN
fsr-3463	361	12	,	,	PUNCT
fsr-3463	361	13	and	and	CCONJ
fsr-3463	361	14	bonds	bond	NOUN
fsr-3463	361	15	,	,	PUNCT
fsr-3463	361	16	they	they	PRON
fsr-3463	361	17	have	have	VERB
fsr-3463	361	18	greater	great	ADJ
fsr-3463	361	19	risk	risk	NOUN
fsr-3463	361	20	for	for	ADP
fsr-3463	361	21	meeting	meet	VERB
fsr-3463	361	22	their	their	PRON
fsr-3463	361	23	short	short	ADJ
fsr-3463	361	24	-	-	PUNCT
fsr-3463	361	25	term	term	NOUN
fsr-3463	361	26	and	and	CCONJ
fsr-3463	361	27	long	long	ADJ
fsr-3463	361	28	-	-	PUNCT
fsr-3463	361	29	term	term	NOUN
fsr-3463	361	30	financial	financial	ADJ
fsr-3463	361	31	goals	goal	NOUN
fsr-3463	361	32	.	.	PUNCT
fsr-3463	362	1	having	have	VERB
fsr-3463	362	2	an	an	DET
fsr-3463	362	3	annuity	annuity	NOUN
fsr-3463	362	4	could	could	AUX
fsr-3463	362	5	help	help	VERB
fsr-3463	362	6	retirees	retiree	NOUN
fsr-3463	362	7	have	have	VERB
fsr-3463	362	8	lifetime	lifetime	NOUN
fsr-3463	362	9	income	income	NOUN
fsr-3463	362	10	or	or	CCONJ
fsr-3463	362	11	certain	certain	ADJ
fsr-3463	362	12	period	period	NOUN
fsr-3463	362	13	income	income	NOUN
fsr-3463	362	14	,	,	PUNCT
fsr-3463	362	15	which	which	PRON
fsr-3463	362	16	could	could	AUX
fsr-3463	362	17	be	be	AUX
fsr-3463	362	18	a	a	DET
fsr-3463	362	19	protection	protection	NOUN
fsr-3463	362	20	for	for	ADP
fsr-3463	362	21	their	their	PRON
fsr-3463	362	22	financial	financial	ADJ
fsr-3463	362	23	goals	goal	NOUN
fsr-3463	362	24	and	and	CCONJ
fsr-3463	362	25	reduce	reduce	VERB
fsr-3463	362	26	risk	risk	NOUN
fsr-3463	362	27	(	(	PUNCT
fsr-3463	362	28	including	include	VERB
fsr-3463	362	29	systematic	systematic	ADJ
fsr-3463	362	30	risk	risk	NOUN
fsr-3463	362	31	from	from	ADP
fsr-3463	362	32	overall	overall	ADJ
fsr-3463	362	33	market	market	NOUN
fsr-3463	362	34	returns	return	NOUN
fsr-3463	362	35	and	and	CCONJ
fsr-3463	362	36	unsystematic	unsystematic	ADJ
fsr-3463	362	37	risk	risk	NOUN
fsr-3463	362	38	from	from	ADP
fsr-3463	362	39	individual	individual	ADJ
fsr-3463	362	40	investment	investment	NOUN
fsr-3463	362	41	selection	selection	NOUN
fsr-3463	362	42	)	)	PUNCT
fsr-3463	362	43	.	.	PUNCT
fsr-3463	363	1	therefore	therefore	ADV
fsr-3463	363	2	,	,	PUNCT
fsr-3463	363	3	annuities	annuity	NOUN
fsr-3463	363	4	could	could	AUX
fsr-3463	363	5	improve	improve	VERB
fsr-3463	363	6	retirees	retiree	NOUN
fsr-3463	363	7	’	’	PART
fsr-3463	363	8	welfare	welfare	NOUN
fsr-3463	363	9	and	and	CCONJ
fsr-3463	363	10	could	could	AUX
fsr-3463	363	11	be	be	AUX
fsr-3463	363	12	valuable	valuable	ADJ
fsr-3463	363	13	for	for	ADP
fsr-3463	363	14	retirees	retiree	NOUN
fsr-3463	363	15	’	'	PUNCT
fsr-3463	363	16	portfolios	portfolio	NOUN
fsr-3463	363	17	.	.	PUNCT
fsr-3463	364	1	4.4	4.4	NUM
fsr-3463	364	2	.	.	PUNCT
fsr-3463	365	1	annuity	annuity	NOUN
fsr-3463	365	2	disadvantages	disadvantage	NOUN
fsr-3463	365	3	despite	despite	SCONJ
fsr-3463	365	4	the	the	DET
fsr-3463	365	5	previous	previous	ADJ
fsr-3463	365	6	advantages	advantage	NOUN
fsr-3463	365	7	,	,	PUNCT
fsr-3463	365	8	the	the	DET
fsr-3463	365	9	reality	reality	NOUN
fsr-3463	365	10	of	of	ADP
fsr-3463	365	11	annuity	annuity	NOUN
fsr-3463	365	12	pricing	pricing	NOUN
fsr-3463	365	13	may	may	AUX
fsr-3463	365	14	reduce	reduce	VERB
fsr-3463	365	15	the	the	DET
fsr-3463	365	16	advantages	advantage	NOUN
fsr-3463	365	17	compared	compare	VERB
fsr-3463	365	18	with	with	ADP
fsr-3463	365	19	theoretical	theoretical	ADJ
fsr-3463	365	20	potential.there	potential.there	PROPN
fsr-3463	365	21	is	be	AUX
fsr-3463	365	22	adverse	adverse	ADJ
fsr-3463	365	23	selection	selection	NOUN
fsr-3463	365	24	with	with	ADP
fsr-3463	365	25	regard	regard	NOUN
fsr-3463	365	26	to	to	ADP
fsr-3463	365	27	the	the	DET
fsr-3463	365	28	mortality	mortality	NOUN
fsr-3463	365	29	risk	risk	NOUN
fsr-3463	365	30	in	in	ADP
fsr-3463	365	31	the	the	DET
fsr-3463	365	32	annuity	annuity	NOUN
fsr-3463	365	33	market	market	NOUN
fsr-3463	365	34	(	(	PUNCT
fsr-3463	365	35	blake	blake	NOUN
fsr-3463	365	36	,	,	PUNCT
fsr-3463	365	37	1999	1999	NUM
fsr-3463	365	38	)	)	PUNCT
fsr-3463	365	39	.	.	PUNCT
fsr-3463	366	1	this	this	PRON
fsr-3463	366	2	is	be	AUX
fsr-3463	366	3	the	the	DET
fsr-3463	366	4	risk	risk	NOUN
fsr-3463	366	5	that	that	SCONJ
fsr-3463	366	6	only	only	ADV
fsr-3463	366	7	individuals	individual	NOUN
fsr-3463	366	8	who	who	PRON
fsr-3463	366	9	think	think	VERB
fsr-3463	366	10	they	they	PRON
fsr-3463	366	11	will	will	AUX
fsr-3463	366	12	live	live	VERB
fsr-3463	366	13	longer	long	ADV
fsr-3463	366	14	than	than	ADP
fsr-3463	366	15	the	the	DET
fsr-3463	366	16	average	average	NOUN
fsr-3463	366	17	for	for	ADP
fsr-3463	366	18	the	the	DET
fsr-3463	366	19	population	population	NOUN
fsr-3463	366	20	based	base	VERB
fsr-3463	366	21	on	on	ADP
fsr-3463	366	22	their	their	PRON
fsr-3463	366	23	own	own	ADJ
fsr-3463	366	24	medical	medical	ADJ
fsr-3463	366	25	and	and	CCONJ
fsr-3463	366	26	family	family	NOUN
fsr-3463	366	27	histories	history	NOUN
fsr-3463	366	28	will	will	AUX
fsr-3463	366	29	choose	choose	VERB
fsr-3463	366	30	to	to	PART
fsr-3463	366	31	purchase	purchase	VERB
fsr-3463	366	32	annuities	annuity	NOUN
fsr-3463	366	33	.	.	PUNCT
fsr-3463	367	1	and	and	CCONJ
fsr-3463	367	2	also	also	ADV
fsr-3463	367	3	,	,	PUNCT
fsr-3463	367	4	conversely	conversely	ADV
fsr-3463	367	5	,	,	PUNCT
fsr-3463	367	6	those	those	PRON
fsr-3463	367	7	who	who	PRON
fsr-3463	367	8	know	know	VERB
fsr-3463	367	9	of	of	ADP
fsr-3463	367	10	a	a	DET
fsr-3463	367	11	major	major	ADJ
fsr-3463	367	12	mortality	mortality	NOUN
fsr-3463	367	13	risk	risk	NOUN
fsr-3463	367	14	factor	factor	NOUN
fsr-3463	367	15	will	will	AUX
fsr-3463	367	16	not	not	PART
fsr-3463	367	17	ever	ever	ADV
fsr-3463	367	18	purchase	purchase	VERB
fsr-3463	367	19	an	an	DET
fsr-3463	367	20	annuity	annuity	NOUN
fsr-3463	367	21	(	(	PUNCT
fsr-3463	367	22	i.e.	i.e.	X
fsr-3463	367	23	,	,	PUNCT
fsr-3463	367	24	sick	sick	ADJ
fsr-3463	367	25	people	people	NOUN
fsr-3463	367	26	do	do	AUX
fsr-3463	367	27	not	not	PART
fsr-3463	367	28	buy	buy	VERB
fsr-3463	367	29	annuities	annuity	NOUN
fsr-3463	367	30	)	)	PUNCT
fsr-3463	367	31	.	.	PUNCT
fsr-3463	368	1	however	however	ADV
fsr-3463	368	2	,	,	PUNCT
fsr-3463	368	3	insurance	insurance	NOUN
fsr-3463	368	4	companies	company	NOUN
fsr-3463	368	5	do	do	AUX
fsr-3463	368	6	not	not	PART
fsr-3463	368	7	have	have	VERB
fsr-3463	368	8	the	the	DET
fsr-3463	368	9	same	same	ADJ
fsr-3463	368	10	access	access	NOUN
fsr-3463	368	11	to	to	ADP
fsr-3463	368	12	this	this	DET
fsr-3463	368	13	information	information	NOUN
fsr-3463	368	14	with	with	ADP
fsr-3463	368	15	the	the	DET
fsr-3463	368	16	same	same	ADJ
fsr-3463	368	17	degree	degree	NOUN
fsr-3463	368	18	of	of	ADP
fsr-3463	368	19	reliability	reliability	NOUN
fsr-3463	368	20	as	as	SCONJ
fsr-3463	368	21	do	do	VERB
fsr-3463	368	22	annuity	annuity	NOUN
fsr-3463	368	23	purchasers	purchaser	NOUN
fsr-3463	368	24	(	(	PUNCT
fsr-3463	368	25	blake	blake	NOUN
fsr-3463	368	26	,	,	PUNCT
fsr-3463	368	27	1999	1999	NUM
fsr-3463	368	28	)	)	PUNCT
fsr-3463	368	29	.	.	PUNCT
fsr-3463	369	1	therefore	therefore	ADV
fsr-3463	369	2	,	,	PUNCT
fsr-3463	369	3	there	there	PRON
fsr-3463	369	4	is	be	VERB
fsr-3463	369	5	asymmetric	asymmetric	ADJ
fsr-3463	369	6	information	information	NOUN
fsr-3463	369	7	between	between	ADP
fsr-3463	369	8	the	the	DET
fsr-3463	369	9	annuity	annuity	NOUN
fsr-3463	369	10	insurance	insurance	NOUN
fsr-3463	369	11	company	company	NOUN
fsr-3463	369	12	and	and	CCONJ
fsr-3463	369	13	prospective	prospective	ADJ
fsr-3463	369	14	annuitants	annuitant	NOUN
fsr-3463	369	15	.	.	PUNCT
fsr-3463	370	1	insurance	insurance	NOUN
fsr-3463	370	2	companies	company	NOUN
fsr-3463	370	3	may	may	AUX
fsr-3463	370	4	not	not	PART
fsr-3463	370	5	be	be	AUX
fsr-3463	370	6	able	able	ADJ
fsr-3463	370	7	to	to	PART
fsr-3463	370	8	perfectly	perfectly	ADV
fsr-3463	370	9	distinguish	distinguish	VERB
fsr-3463	370	10	the	the	DET
fsr-3463	370	11	prospective	prospective	ADJ
fsr-3463	370	12	annuitants	annuitant	NOUN
fsr-3463	370	13	who	who	PRON
fsr-3463	370	14	have	have	VERB
fsr-3463	370	15	heavier	heavy	ADJ
fsr-3463	370	16	mortality	mortality	NOUN
fsr-3463	370	17	risk	risk	NOUN
fsr-3463	370	18	(	(	PUNCT
fsr-3463	370	19	insurance	insurance	NOUN
fsr-3463	370	20	companies	company	NOUN
fsr-3463	370	21	make	make	VERB
fsr-3463	370	22	money	money	NOUN
fsr-3463	370	23	)	)	PUNCT
fsr-3463	370	24	from	from	ADP
fsr-3463	370	25	those	those	PRON
fsr-3463	370	26	who	who	PRON
fsr-3463	370	27	have	have	VERB
fsr-3463	370	28	lighter	light	ADJ
fsr-3463	370	29	mortality	mortality	NOUN
fsr-3463	370	30	risk	risk	NOUN
fsr-3463	370	31	(	(	PUNCT
fsr-3463	370	32	insurance	insurance	NOUN
fsr-3463	370	33	companies	company	NOUN
fsr-3463	370	34	lose	lose	VERB
fsr-3463	370	35	money	money	NOUN
fsr-3463	370	36	)	)	PUNCT
fsr-3463	370	37	.	.	PUNCT
fsr-3463	371	1	however	however	ADV
fsr-3463	371	2	,	,	PUNCT
fsr-3463	371	3	companies	company	NOUN
fsr-3463	371	4	realize	realize	VERB
fsr-3463	371	5	that	that	SCONJ
fsr-3463	371	6	people	people	NOUN
fsr-3463	371	7	who	who	PRON
fsr-3463	371	8	voluntarily	voluntarily	ADV
fsr-3463	371	9	purchase	purchase	VERB
fsr-3463	371	10	an	an	DET
fsr-3463	371	11	annuity	annuity	NOUN
fsr-3463	371	12	have	have	VERB
fsr-3463	371	13	a	a	DET
fsr-3463	371	14	lighter	light	ADJ
fsr-3463	371	15	mortality	mortality	NOUN
fsr-3463	371	16	risk	risk	NOUN
fsr-3463	371	17	than	than	ADP
fsr-3463	371	18	the	the	DET
fsr-3463	371	19	typical	typical	ADJ
fsr-3463	371	20	person	person	NOUN
fsr-3463	371	21	of	of	ADP
fsr-3463	371	22	the	the	DET
fsr-3463	371	23	same	same	ADJ
fsr-3463	371	24	age	age	NOUN
fsr-3463	371	25	.	.	PUNCT
fsr-3463	372	1	thus	thus	ADV
fsr-3463	372	2	,	,	PUNCT
fsr-3463	372	3	pricing	price	VERB
fsr-3463	372	4	for	for	ADP
fsr-3463	372	5	all	all	DET
fsr-3463	372	6	prospective	prospective	ADJ
fsr-3463	372	7	annuitants	annuitant	NOUN
fsr-3463	372	8	will	will	AUX
fsr-3463	372	9	reflect	reflect	VERB
fsr-3463	372	10	this	this	DET
fsr-3463	372	11	reality	reality	NOUN
fsr-3463	372	12	,	,	PUNCT
fsr-3463	372	13	potentially	potentially	ADV
fsr-3463	372	14	making	make	VERB
fsr-3463	372	15	the	the	DET
fsr-3463	372	16	annuity	annuity	NOUN
fsr-3463	372	17	(	(	PUNCT
fsr-3463	372	18	in	in	ADP
fsr-3463	372	19	y.	y.	PROPN
fsr-3463	372	20	yan	yan	PROPN
fsr-3463	372	21	and	and	CCONJ
fsr-3463	372	22	r.	r.	PROPN
fsr-3463	372	23	n.	n.	PROPN
fsr-3463	372	24	james	james	PROPN
fsr-3463	372	25	/	/	SYM
fsr-3463	372	26	financial	financial	ADJ
fsr-3463	372	27	services	service	NOUN
fsr-3463	372	28	review	review	VERB
fsr-3463	372	29	29	29	NUM
fsr-3463	372	30	(	(	PUNCT
fsr-3463	372	31	2021	2021	NUM
fsr-3463	372	32	)	)	PUNCT
fsr-3463	372	33	277–291	277–291	NUM
fsr-3463	372	34	289	289	NUM
fsr-3463	372	35	practice	practice	NOUN
fsr-3463	372	36	)	)	PUNCT
fsr-3463	372	37	a	a	DET
fsr-3463	372	38	poor	poor	ADJ
fsr-3463	372	39	investment	investment	NOUN
fsr-3463	372	40	choice	choice	NOUN
fsr-3463	372	41	for	for	ADP
fsr-3463	372	42	those	those	PRON
fsr-3463	372	43	with	with	ADP
fsr-3463	372	44	a	a	DET
fsr-3463	372	45	typical	typical	ADJ
fsr-3463	372	46	life	life	NOUN
fsr-3463	372	47	expectancy	expectancy	NOUN
fsr-3463	372	48	.	.	PUNCT
fsr-3463	373	1	once	once	SCONJ
fsr-3463	373	2	this	this	PRON
fsr-3463	373	3	is	be	AUX
fsr-3463	373	4	combined	combine	VERB
fsr-3463	373	5	with	with	ADP
fsr-3463	373	6	the	the	DET
fsr-3463	373	7	need	need	NOUN
fsr-3463	373	8	for	for	ADP
fsr-3463	373	9	paying	pay	VERB
fsr-3463	373	10	commissions	commission	NOUN
fsr-3463	373	11	,	,	PUNCT
fsr-3463	373	12	advertising	advertising	NOUN
fsr-3463	373	13	,	,	PUNCT
fsr-3463	373	14	and	and	CCONJ
fsr-3463	373	15	profits	profit	NOUN
fsr-3463	373	16	,	,	PUNCT
fsr-3463	373	17	the	the	DET
fsr-3463	373	18	theoretically	theoretically	ADV
fsr-3463	373	19	advantageous	advantageous	ADJ
fsr-3463	373	20	annuity	annuity	NOUN
fsr-3463	373	21	may	may	AUX
fsr-3463	373	22	become	become	VERB
fsr-3463	373	23	practically	practically	ADV
fsr-3463	373	24	less	less	ADV
fsr-3463	373	25	attractive	attractive	ADJ
fsr-3463	373	26	.	.	PUNCT
fsr-3463	374	1	references	reference	NOUN
fsr-3463	374	2	abel	abel	PROPN
fsr-3463	374	3	,	,	PUNCT
fsr-3463	374	4	a.	a.	NOUN
fsr-3463	374	5	(	(	PUNCT
fsr-3463	374	6	1985	1985	NUM
fsr-3463	374	7	)	)	PUNCT
fsr-3463	374	8	.	.	PUNCT
fsr-3463	375	1	capital	capital	NOUN
fsr-3463	375	2	accumulation	accumulation	NOUN
fsr-3463	375	3	and	and	CCONJ
fsr-3463	375	4	uncertain	uncertain	ADJ
fsr-3463	375	5	lifetimes	lifetime	NOUN
fsr-3463	375	6	with	with	ADP
fsr-3463	375	7	adverse	adverse	ADJ
fsr-3463	375	8	selection	selection	NOUN
fsr-3463	375	9	.	.	PUNCT
fsr-3463	376	1	nber	nber	PROPN
fsr-3463	376	2	working	working	PROPN
fsr-3463	376	3	paper	paper	PROPN
fsr-3463	376	4	series	series	NOUN
fsr-3463	376	5	,	,	PUNCT
fsr-3463	376	6	1664	1664	NUM
fsr-3463	376	7	.	.	PUNCT
fsr-3463	377	1	cambridge	cambridge	PROPN
fsr-3463	377	2	,	,	PUNCT
fsr-3463	377	3	ma	ma	PROPN
fsr-3463	377	4	:	:	PUNCT
fsr-3463	377	5	national	national	PROPN
fsr-3463	377	6	bureau	bureau	PROPN
fsr-3463	377	7	of	of	ADP
fsr-3463	377	8	economic	economic	ADJ
fsr-3463	377	9	research	research	NOUN
fsr-3463	377	10	.	.	PUNCT
fsr-3463	378	1	agnew	agnew	PROPN
fsr-3463	378	2	,	,	PUNCT
fsr-3463	378	3	j.	j.	PROPN
fsr-3463	378	4	r.	r.	PROPN
fsr-3463	378	5	,	,	PUNCT
fsr-3463	378	6	anderson	anderson	PROPN
fsr-3463	378	7	,	,	PUNCT
fsr-3463	378	8	l.	l.	PROPN
fsr-3463	378	9	r.	r.	PROPN
fsr-3463	378	10	,	,	PUNCT
fsr-3463	378	11	gerlach	gerlach	PROPN
fsr-3463	378	12	,	,	PUNCT
fsr-3463	378	13	j.	j.	PROPN
fsr-3463	378	14	r.	r.	PROPN
fsr-3463	378	15	,	,	PUNCT
fsr-3463	378	16	&	&	CCONJ
fsr-3463	378	17	szykman	szykman	PROPN
fsr-3463	378	18	,	,	PUNCT
fsr-3463	378	19	l.	l.	PROPN
fsr-3463	378	20	r.	r.	PROPN
fsr-3463	378	21	(	(	PUNCT
fsr-3463	378	22	2008	2008	NUM
fsr-3463	378	23	)	)	PUNCT
fsr-3463	378	24	.	.	PUNCT
fsr-3463	379	1	who	who	PRON
fsr-3463	379	2	chooses	choose	VERB
fsr-3463	379	3	annuities	annuity	NOUN
fsr-3463	379	4	?	?	PUNCT
fsr-3463	380	1	an	an	DET
fsr-3463	380	2	experimental	experimental	ADJ
fsr-3463	380	3	investigation	investigation	NOUN
fsr-3463	380	4	of	of	ADP
fsr-3463	380	5	the	the	DET
fsr-3463	380	6	role	role	NOUN
fsr-3463	380	7	of	of	ADP
fsr-3463	380	8	gender	gender	NOUN
fsr-3463	380	9	,	,	PUNCT
fsr-3463	380	10	framing	framing	NOUN
fsr-3463	380	11	,	,	PUNCT
fsr-3463	380	12	and	and	CCONJ
fsr-3463	380	13	defaults	default	NOUN
fsr-3463	380	14	.	.	PUNCT
fsr-3463	381	1	american	american	PROPN
fsr-3463	381	2	economic	economic	PROPN
fsr-3463	381	3	review	review	PROPN
fsr-3463	381	4	,	,	PUNCT
fsr-3463	381	5	98	98	NUM
fsr-3463	381	6	,	,	PUNCT
fsr-3463	381	7	418	418	NUM
fsr-3463	381	8	–	–	PUNCT
fsr-3463	381	9	422	422	NUM
fsr-3463	381	10	.	.	PUNCT
fsr-3463	382	1	baker	baker	PROPN
fsr-3463	382	2	,	,	PUNCT
fsr-3463	382	3	h.	h.	PROPN
fsr-3463	382	4	k.	k.	PROPN
fsr-3463	382	5	,	,	PUNCT
fsr-3463	382	6	&	&	CCONJ
fsr-3463	382	7	nofsinger	nofsinger	PROPN
fsr-3463	382	8	,	,	PUNCT
fsr-3463	382	9	j.	j.	PROPN
fsr-3463	382	10	r.	r.	PROPN
fsr-3463	382	11	(	(	PUNCT
fsr-3463	382	12	2010	2010	NUM
fsr-3463	382	13	)	)	PUNCT
fsr-3463	382	14	.	.	PUNCT
fsr-3463	383	1	behavioral	behavioral	ADJ
fsr-3463	383	2	finance	finance	NOUN
fsr-3463	383	3	:	:	PUNCT
fsr-3463	383	4	an	an	DET
fsr-3463	383	5	overview	overview	NOUN
fsr-3463	383	6	.	.	PUNCT
fsr-3463	384	1	in	in	ADP
fsr-3463	384	2	h.	h.	PROPN
fsr-3463	384	3	k.	k.	PROPN
fsr-3463	384	4	baker	baker	PROPN
fsr-3463	384	5	&	&	CCONJ
fsr-3463	384	6	j.	j.	PROPN
fsr-3463	384	7	r.	r.	PROPN
fsr-3463	384	8	nofsinger	nofsinger	PROPN
fsr-3463	384	9	(	(	PUNCT
fsr-3463	384	10	eds	ed	NOUN
fsr-3463	384	11	.	.	PUNCT
fsr-3463	384	12	)	)	PUNCT
fsr-3463	384	13	,	,	PUNCT
fsr-3463	384	14	behavioral	behavioral	ADJ
fsr-3463	384	15	finance	finance	NOUN
fsr-3463	384	16	:	:	PUNCT
fsr-3463	384	17	investors	investor	NOUN
fsr-3463	384	18	,	,	PUNCT
fsr-3463	384	19	corporations	corporation	NOUN
fsr-3463	384	20	and	and	CCONJ
fsr-3463	384	21	markets	market	NOUN
fsr-3463	384	22	(	(	PUNCT
fsr-3463	384	23	pp	pp	ADJ
fsr-3463	384	24	.	.	PUNCT
fsr-3463	384	25	3–20	3–20	NUM
fsr-3463	384	26	)	)	PUNCT
fsr-3463	384	27	.	.	PUNCT
fsr-3463	385	1	hoboken	hoboken	PROPN
fsr-3463	385	2	,	,	PUNCT
fsr-3463	385	3	nj	nj	PROPN
fsr-3463	385	4	:	:	PUNCT
fsr-3463	385	5	john	john	PROPN
fsr-3463	385	6	wiley	wiley	PROPN
fsr-3463	385	7	&	&	CCONJ
fsr-3463	385	8	sons	son	NOUN
fsr-3463	385	9	.	.	PUNCT
fsr-3463	386	1	banerjee	banerjee	PROPN
fsr-3463	386	2	,	,	PUNCT
fsr-3463	386	3	s.	s.	PROPN
fsr-3463	386	4	(	(	PUNCT
fsr-3463	386	5	2013	2013	NUM
fsr-3463	386	6	)	)	PUNCT
fsr-3463	386	7	.	.	PUNCT
fsr-3463	387	1	annuity	annuity	NOUN
fsr-3463	387	2	and	and	CCONJ
fsr-3463	387	3	lump	lump	NOUN
fsr-3463	387	4	-	-	PUNCT
fsr-3463	387	5	sum	sum	NOUN
fsr-3463	387	6	decisions	decision	NOUN
fsr-3463	387	7	in	in	ADP
fsr-3463	387	8	defined	define	VERB
fsr-3463	387	9	benefit	benefit	NOUN
fsr-3463	387	10	plans	plan	NOUN
fsr-3463	387	11	:	:	PUNCT
fsr-3463	387	12	the	the	DET
fsr-3463	387	13	role	role	NOUN
fsr-3463	387	14	of	of	ADP
fsr-3463	387	15	plan	plan	NOUN
fsr-3463	387	16	rules	rule	NOUN
fsr-3463	387	17	.	.	PUNCT
fsr-3463	388	1	ebri	ebri	NOUN
fsr-3463	388	2	issue	issue	NOUN
fsr-3463	388	3	brief	brief	NOUN
fsr-3463	388	4	,	,	PUNCT
fsr-3463	388	5	381	381	NUM
fsr-3463	388	6	,	,	PUNCT
fsr-3463	388	7	1–20	1–20	PROPN
fsr-3463	388	8	.	.	PUNCT
fsr-3463	388	9	barberis	barberis	PROPN
fsr-3463	388	10	,	,	PUNCT
fsr-3463	388	11	n.	n.	PROPN
fsr-3463	388	12	,	,	PUNCT
fsr-3463	388	13	huang	huang	PROPN
fsr-3463	388	14	,	,	PUNCT
fsr-3463	388	15	m.	m.	NOUN
fsr-3463	388	16	,	,	PUNCT
fsr-3463	388	17	&	&	CCONJ
fsr-3463	388	18	thaler	thaler	PROPN
fsr-3463	388	19	,	,	PUNCT
fsr-3463	388	20	r.	r.	PROPN
fsr-3463	388	21	h.	h.	PROPN
fsr-3463	388	22	(	(	PUNCT
fsr-3463	388	23	2006	2006	NUM
fsr-3463	388	24	)	)	PUNCT
fsr-3463	388	25	.	.	PUNCT
fsr-3463	389	1	individual	individual	ADJ
fsr-3463	389	2	preferences	preference	NOUN
fsr-3463	389	3	,	,	PUNCT
fsr-3463	389	4	monetary	monetary	ADJ
fsr-3463	389	5	gambles	gamble	NOUN
fsr-3463	389	6	,	,	PUNCT
fsr-3463	389	7	and	and	CCONJ
fsr-3463	389	8	stock	stock	NOUN
fsr-3463	389	9	market	market	NOUN
fsr-3463	389	10	participation	participation	NOUN
fsr-3463	389	11	:	:	PUNCT
fsr-3463	389	12	a	a	DET
fsr-3463	389	13	case	case	NOUN
fsr-3463	389	14	for	for	ADP
fsr-3463	389	15	narrow	narrow	ADJ
fsr-3463	389	16	framing	framing	NOUN
fsr-3463	389	17	.	.	PUNCT
fsr-3463	390	1	american	american	ADJ
fsr-3463	390	2	economic	economic	PROPN
fsr-3463	390	3	review	review	PROPN
fsr-3463	390	4	,	,	PUNCT
fsr-3463	390	5	96	96	NUM
fsr-3463	390	6	,	,	PUNCT
fsr-3463	390	7	1069–1090	1069–1090	PROPN
fsr-3463	390	8	.	.	PUNCT
fsr-3463	390	9	bernheim	bernheim	PROPN
fsr-3463	390	10	,	,	PUNCT
fsr-3463	390	11	b.	b.	PROPN
fsr-3463	390	12	d.	d.	PROPN
fsr-3463	390	13	(	(	PUNCT
fsr-3463	390	14	1991	1991	NUM
fsr-3463	390	15	)	)	PUNCT
fsr-3463	390	16	.	.	PUNCT
fsr-3463	391	1	how	how	SCONJ
fsr-3463	391	2	strong	strong	ADJ
fsr-3463	391	3	are	be	AUX
fsr-3463	391	4	bequest	bequest	ADJ
fsr-3463	391	5	motives	motive	NOUN
fsr-3463	391	6	?	?	PUNCT
fsr-3463	392	1	evidence	evidence	NOUN
fsr-3463	392	2	based	base	VERB
fsr-3463	392	3	on	on	ADP
fsr-3463	392	4	estimates	estimate	NOUN
fsr-3463	392	5	of	of	ADP
fsr-3463	392	6	the	the	DET
fsr-3463	392	7	demand	demand	NOUN
fsr-3463	392	8	for	for	ADP
fsr-3463	392	9	life	life	NOUN
fsr-3463	392	10	insurance	insurance	NOUN
fsr-3463	392	11	and	and	CCONJ
fsr-3463	392	12	annuities	annuity	NOUN
fsr-3463	392	13	.	.	PUNCT
fsr-3463	393	1	journal	journal	NOUN
fsr-3463	393	2	of	of	ADP
fsr-3463	393	3	political	political	ADJ
fsr-3463	393	4	economy	economy	NOUN
fsr-3463	393	5	,	,	PUNCT
fsr-3463	393	6	99	99	NUM
fsr-3463	393	7	,	,	PUNCT
fsr-3463	393	8	899–927	899–927	NUM
fsr-3463	393	9	.	.	PUNCT
fsr-3463	394	1	benartzi	benartzi	PROPN
fsr-3463	394	2	,	,	PUNCT
fsr-3463	394	3	s.	s.	PROPN
fsr-3463	394	4	,	,	PUNCT
fsr-3463	394	5	previtero	previtero	PROPN
fsr-3463	394	6	,	,	PUNCT
fsr-3463	394	7	a.	a.	PROPN
fsr-3463	394	8	,	,	PUNCT
fsr-3463	394	9	&	&	CCONJ
fsr-3463	394	10	thaler	thaler	PROPN
fsr-3463	394	11	,	,	PUNCT
fsr-3463	394	12	r.	r.	PROPN
fsr-3463	394	13	h.	h.	PROPN
fsr-3463	394	14	(	(	PUNCT
fsr-3463	394	15	2011	2011	NUM
fsr-3463	394	16	)	)	PUNCT
fsr-3463	394	17	.	.	PUNCT
fsr-3463	395	1	annuitization	annuitization	NOUN
fsr-3463	395	2	puzzles	puzzle	NOUN
fsr-3463	395	3	.	.	PUNCT
fsr-3463	396	1	journal	journal	NOUN
fsr-3463	396	2	of	of	ADP
fsr-3463	396	3	economic	economic	ADJ
fsr-3463	396	4	perspectives	perspective	NOUN
fsr-3463	396	5	,	,	PUNCT
fsr-3463	396	6	25	25	NUM
fsr-3463	396	7	,	,	PUNCT
fsr-3463	396	8	143–164	143–164	NUM
fsr-3463	396	9	.	.	PUNCT
fsr-3463	397	1	blake	blake	PROPN
fsr-3463	397	2	,	,	PUNCT
fsr-3463	397	3	d.	d.	PROPN
fsr-3463	397	4	(	(	PUNCT
fsr-3463	397	5	1999	1999	NUM
fsr-3463	397	6	)	)	PUNCT
fsr-3463	397	7	.	.	PUNCT
fsr-3463	398	1	annuity	annuity	NOUN
fsr-3463	398	2	markets	market	NOUN
fsr-3463	398	3	:	:	PUNCT
fsr-3463	398	4	problems	problem	NOUN
fsr-3463	398	5	and	and	CCONJ
fsr-3463	398	6	solutions	solution	NOUN
fsr-3463	398	7	.	.	PUNCT
fsr-3463	399	1	the	the	DET
fsr-3463	399	2	geneva	geneva	PROPN
fsr-3463	399	3	papers	paper	NOUN
fsr-3463	399	4	on	on	ADP
fsr-3463	399	5	risk	risk	NOUN
fsr-3463	399	6	and	and	CCONJ
fsr-3463	399	7	insurance	insurance	NOUN
fsr-3463	399	8	issues	issue	NOUN
fsr-3463	399	9	and	and	CCONJ
fsr-3463	399	10	practice	practice	NOUN
fsr-3463	399	11	,	,	PUNCT
fsr-3463	399	12	24	24	NUM
fsr-3463	399	13	,	,	PUNCT
fsr-3463	399	14	358–375	358–375	NUM
fsr-3463	399	15	.	.	PUNCT
fsr-3463	399	16	brown	brown	PROPN
fsr-3463	399	17	,	,	PUNCT
fsr-3463	399	18	j.	j.	PROPN
fsr-3463	399	19	r.	r.	PROPN
fsr-3463	399	20	,	,	PUNCT
fsr-3463	399	21	&	&	CCONJ
fsr-3463	399	22	poterba	poterba	PROPN
fsr-3463	399	23	,	,	PUNCT
fsr-3463	399	24	j.	j.	PROPN
fsr-3463	399	25	m.	m.	PROPN
fsr-3463	399	26	(	(	PUNCT
fsr-3463	399	27	2000	2000	NUM
fsr-3463	399	28	)	)	PUNCT
fsr-3463	399	29	.	.	PUNCT
fsr-3463	400	1	joint	joint	ADJ
fsr-3463	400	2	life	life	NOUN
fsr-3463	400	3	annuities	annuity	NOUN
fsr-3463	400	4	and	and	CCONJ
fsr-3463	400	5	annuity	annuity	NOUN
fsr-3463	400	6	demand	demand	NOUN
fsr-3463	400	7	by	by	ADP
fsr-3463	400	8	married	married	ADJ
fsr-3463	400	9	couples	couple	NOUN
fsr-3463	400	10	.	.	PUNCT
fsr-3463	401	1	the	the	DET
fsr-3463	401	2	journal	journal	NOUN
fsr-3463	401	3	of	of	ADP
fsr-3463	401	4	risk	risk	NOUN
fsr-3463	401	5	and	and	CCONJ
fsr-3463	401	6	insurance	insurance	NOUN
fsr-3463	401	7	,	,	PUNCT
fsr-3463	401	8	67	67	NUM
fsr-3463	401	9	,	,	PUNCT
fsr-3463	401	10	527–553	527–553	NUM
fsr-3463	401	11	.	.	PUNCT
fsr-3463	401	12	brown	brown	PROPN
fsr-3463	401	13	,	,	PUNCT
fsr-3463	401	14	j.	j.	PROPN
fsr-3463	401	15	r.	r.	PROPN
fsr-3463	401	16	(	(	PUNCT
fsr-3463	401	17	2001	2001	NUM
fsr-3463	401	18	)	)	PUNCT
fsr-3463	401	19	.	.	PUNCT
fsr-3463	402	1	private	private	ADJ
fsr-3463	402	2	pensions	pension	NOUN
fsr-3463	402	3	,	,	PUNCT
fsr-3463	402	4	mortality	mortality	NOUN
fsr-3463	402	5	risk	risk	NOUN
fsr-3463	402	6	,	,	PUNCT
fsr-3463	402	7	and	and	CCONJ
fsr-3463	402	8	the	the	DET
fsr-3463	402	9	decision	decision	NOUN
fsr-3463	402	10	to	to	PART
fsr-3463	402	11	annuitize	annuitize	VERB
fsr-3463	402	12	.	.	PUNCT
fsr-3463	403	1	journal	journal	NOUN
fsr-3463	403	2	of	of	ADP
fsr-3463	403	3	public	public	ADJ
fsr-3463	403	4	economics	economic	NOUN
fsr-3463	403	5	,	,	PUNCT
fsr-3463	403	6	82	82	NUM
fsr-3463	403	7	,	,	PUNCT
fsr-3463	403	8	29–62	29–62	NUM
fsr-3463	403	9	.	.	NOUN
fsr-3463	403	10	brown	brown	PROPN
fsr-3463	403	11	,	,	PUNCT
fsr-3463	403	12	j.	j.	PROPN
fsr-3463	403	13	r.	r.	PROPN
fsr-3463	403	14	(	(	PUNCT
fsr-3463	403	15	2003	2003	NUM
fsr-3463	403	16	)	)	PUNCT
fsr-3463	403	17	.	.	PUNCT
fsr-3463	404	1	redistribution	redistribution	NOUN
fsr-3463	404	2	and	and	CCONJ
fsr-3463	404	3	insurance	insurance	NOUN
fsr-3463	404	4	:	:	PUNCT
fsr-3463	404	5	mandatory	mandatory	ADJ
fsr-3463	404	6	annuitization	annuitization	NOUN
fsr-3463	404	7	with	with	ADP
fsr-3463	404	8	mortality	mortality	NOUN
fsr-3463	404	9	heterogeneity	heterogeneity	NOUN
fsr-3463	404	10	.	.	PUNCT
fsr-3463	405	1	journal	journal	NOUN
fsr-3463	405	2	of	of	ADP
fsr-3463	405	3	risk	risk	NOUN
fsr-3463	405	4	&	&	CCONJ
fsr-3463	405	5	insurance	insurance	NOUN
fsr-3463	405	6	,	,	PUNCT
fsr-3463	405	7	70	70	NUM
fsr-3463	405	8	,	,	PUNCT
fsr-3463	405	9	17–41	17–41	NUM
fsr-3463	405	10	.	.	PUNCT
fsr-3463	406	1	brown	brown	PROPN
fsr-3463	406	2	,	,	PUNCT
fsr-3463	406	3	j.	j.	PROPN
fsr-3463	406	4	r.	r.	PROPN
fsr-3463	406	5	(	(	PUNCT
fsr-3463	406	6	2007	2007	NUM
fsr-3463	406	7	)	)	PUNCT
fsr-3463	406	8	.	.	PUNCT
fsr-3463	407	1	rational	rational	ADJ
fsr-3463	407	2	and	and	CCONJ
fsr-3463	407	3	behavioral	behavioral	ADJ
fsr-3463	407	4	perspectives	perspective	NOUN
fsr-3463	407	5	on	on	ADP
fsr-3463	407	6	the	the	DET
fsr-3463	407	7	role	role	NOUN
fsr-3463	407	8	of	of	ADP
fsr-3463	407	9	annuities	annuity	NOUN
fsr-3463	407	10	in	in	ADP
fsr-3463	407	11	retirement	retirement	NOUN
fsr-3463	407	12	planning	planning	NOUN
fsr-3463	407	13	.	.	PUNCT
fsr-3463	408	1	nber	nber	PROPN
fsr-3463	408	2	working	working	PROPN
fsr-3463	408	3	paper	paper	PROPN
fsr-3463	408	4	no	no	INTJ
fsr-3463	408	5	.	.	PUNCT
fsr-3463	409	1	w13537	w13537	NOUN
fsr-3463	409	2	.	.	PUNCT
fsr-3463	410	1	cambridge	cambridge	PROPN
fsr-3463	410	2	,	,	PUNCT
fsr-3463	410	3	ma	ma	PROPN
fsr-3463	410	4	:	:	PUNCT
fsr-3463	410	5	national	national	PROPN
fsr-3463	410	6	bureau	bureau	PROPN
fsr-3463	410	7	of	of	ADP
fsr-3463	410	8	economic	economic	ADJ
fsr-3463	410	9	research	research	NOUN
fsr-3463	410	10	.	.	PUNCT
fsr-3463	411	1	bütler	bütler	NOUN
fsr-3463	411	2	,	,	PUNCT
fsr-3463	411	3	m.	m.	NOUN
fsr-3463	411	4	,	,	PUNCT
fsr-3463	411	5	&	&	CCONJ
fsr-3463	411	6	teppa	teppa	PROPN
fsr-3463	411	7	,	,	PUNCT
fsr-3463	411	8	f.	f.	PROPN
fsr-3463	411	9	(	(	PUNCT
fsr-3463	411	10	2007	2007	NUM
fsr-3463	411	11	)	)	PUNCT
fsr-3463	411	12	.	.	PUNCT
fsr-3463	412	1	the	the	DET
fsr-3463	412	2	choice	choice	NOUN
fsr-3463	412	3	between	between	ADP
fsr-3463	412	4	an	an	DET
fsr-3463	412	5	annuity	annuity	NOUN
fsr-3463	412	6	and	and	CCONJ
fsr-3463	412	7	a	a	DET
fsr-3463	412	8	lump	lump	NOUN
fsr-3463	412	9	sum	sum	NOUN
fsr-3463	412	10	:	:	PUNCT
fsr-3463	412	11	results	result	NOUN
fsr-3463	412	12	from	from	ADP
fsr-3463	412	13	swiss	swiss	ADJ
fsr-3463	412	14	pension	pension	NOUN
fsr-3463	412	15	funds	fund	NOUN
fsr-3463	412	16	.	.	PUNCT
fsr-3463	413	1	journal	journal	NOUN
fsr-3463	413	2	of	of	ADP
fsr-3463	413	3	public	public	ADJ
fsr-3463	413	4	economics	economic	NOUN
fsr-3463	413	5	,	,	PUNCT
fsr-3463	413	6	91	91	NUM
fsr-3463	413	7	,	,	PUNCT
fsr-3463	413	8	1944–1966	1944–1966	NUM
fsr-3463	413	9	.	.	PUNCT
fsr-3463	414	1	cox	cox	PROPN
fsr-3463	414	2	,	,	PUNCT
fsr-3463	414	3	s.	s.	PROPN
fsr-3463	414	4	h.	h.	PROPN
fsr-3463	414	5	,	,	PUNCT
fsr-3463	414	6	&	&	CCONJ
fsr-3463	414	7	lin	lin	PROPN
fsr-3463	414	8	,	,	PUNCT
fsr-3463	414	9	y.	y.	PROPN
fsr-3463	414	10	(	(	PUNCT
fsr-3463	414	11	2007	2007	NUM
fsr-3463	414	12	)	)	PUNCT
fsr-3463	414	13	.	.	PUNCT
fsr-3463	415	1	natural	natural	ADJ
fsr-3463	415	2	hedging	hedging	NOUN
fsr-3463	415	3	of	of	ADP
fsr-3463	415	4	life	life	NOUN
fsr-3463	415	5	and	and	CCONJ
fsr-3463	415	6	annuity	annuity	NOUN
fsr-3463	415	7	mortality	mortality	NOUN
fsr-3463	415	8	risks	risk	NOUN
fsr-3463	415	9	.	.	PUNCT
fsr-3463	416	1	north	north	ADJ
fsr-3463	416	2	american	american	ADJ
fsr-3463	416	3	actuarial	actuarial	ADJ
fsr-3463	416	4	journal	journal	NOUN
fsr-3463	416	5	,	,	PUNCT
fsr-3463	416	6	11	11	NUM
fsr-3463	416	7	,	,	PUNCT
fsr-3463	416	8	1–15	1–15	NUM
fsr-3463	416	9	.	.	PUNCT
fsr-3463	417	1	choi	choi	PROPN
fsr-3463	417	2	,	,	PUNCT
fsr-3463	417	3	j.	j.	PROPN
fsr-3463	417	4	j.	j.	PROPN
fsr-3463	417	5	,	,	PUNCT
fsr-3463	417	6	laibson	laibson	PROPN
fsr-3463	417	7	,	,	PUNCT
fsr-3463	417	8	d.	d.	PROPN
fsr-3463	417	9	,	,	PUNCT
fsr-3463	417	10	madrian	madrian	PROPN
fsr-3463	417	11	,	,	PUNCT
fsr-3463	417	12	b.	b.	PROPN
fsr-3463	417	13	c.	c.	PROPN
fsr-3463	417	14	,	,	PUNCT
fsr-3463	417	15	&	&	CCONJ
fsr-3463	417	16	metrick	metrick	ADJ
fsr-3463	417	17	,	,	PUNCT
fsr-3463	417	18	a.	a.	NOUN
fsr-3463	417	19	(	(	PUNCT
fsr-3463	417	20	2004	2004	NUM
fsr-3463	417	21	)	)	PUNCT
fsr-3463	417	22	.	.	PUNCT
fsr-3463	418	1	for	for	ADP
fsr-3463	418	2	better	well	ADJ
fsr-3463	418	3	or	or	CCONJ
fsr-3463	418	4	for	for	ADP
fsr-3463	418	5	worse	bad	ADJ
fsr-3463	418	6	:	:	PUNCT
fsr-3463	418	7	default	default	NOUN
fsr-3463	418	8	effects	effect	NOUN
fsr-3463	418	9	and	and	CCONJ
fsr-3463	418	10	401	401	NUM
fsr-3463	418	11	(	(	PUNCT
fsr-3463	418	12	k	k	NOUN
fsr-3463	418	13	)	)	PUNCT
fsr-3463	418	14	savings	saving	NOUN
fsr-3463	418	15	behavior	behavior	NOUN
fsr-3463	418	16	.	.	PUNCT
fsr-3463	419	1	in	in	ADP
fsr-3463	419	2	d.	d.	PROPN
fsr-3463	419	3	a.	a.	PROPN
fsr-3463	419	4	wise	wise	PROPN
fsr-3463	419	5	(	(	PUNCT
fsr-3463	419	6	ed	ed	NOUN
fsr-3463	419	7	.	.	PUNCT
fsr-3463	419	8	)	)	PUNCT
fsr-3463	419	9	,	,	PUNCT
fsr-3463	419	10	perspectives	perspective	NOUN
fsr-3463	419	11	on	on	ADP
fsr-3463	419	12	the	the	DET
fsr-3463	419	13	economics	economic	NOUN
fsr-3463	419	14	of	of	ADP
fsr-3463	419	15	aging	age	VERB
fsr-3463	419	16	(	(	PUNCT
fsr-3463	419	17	pp	pp	ADJ
fsr-3463	419	18	.	.	PUNCT
fsr-3463	419	19	81–126	81–126	NOUN
fsr-3463	419	20	)	)	PUNCT
fsr-3463	419	21	.	.	PUNCT
fsr-3463	420	1	chicago	chicago	PROPN
fsr-3463	420	2	,	,	PUNCT
fsr-3463	420	3	il	il	PROPN
fsr-3463	420	4	:	:	PUNCT
fsr-3463	420	5	university	university	PROPN
fsr-3463	420	6	of	of	ADP
fsr-3463	420	7	chicago	chicago	PROPN
fsr-3463	420	8	press	press	PROPN
fsr-3463	420	9	.	.	PUNCT
fsr-3463	421	1	davidoff	davidoff	PROPN
fsr-3463	421	2	,	,	PUNCT
fsr-3463	421	3	t.	t.	PROPN
fsr-3463	421	4	,	,	PUNCT
fsr-3463	421	5	brown	brown	PROPN
fsr-3463	421	6	,	,	PUNCT
fsr-3463	421	7	j.	j.	PROPN
fsr-3463	421	8	r.	r.	PROPN
fsr-3463	421	9	,	,	PUNCT
fsr-3463	421	10	&	&	CCONJ
fsr-3463	421	11	diamond	diamond	NOUN
fsr-3463	421	12	,	,	PUNCT
fsr-3463	421	13	p.	p.	NOUN
fsr-3463	421	14	a.	a.	NOUN
fsr-3463	422	1	(	(	PUNCT
fsr-3463	422	2	2005	2005	NUM
fsr-3463	422	3	)	)	PUNCT
fsr-3463	422	4	.	.	PUNCT
fsr-3463	423	1	annuities	annuity	NOUN
fsr-3463	423	2	and	and	CCONJ
fsr-3463	423	3	individual	individual	ADJ
fsr-3463	423	4	welfare	welfare	NOUN
fsr-3463	423	5	.	.	PUNCT
fsr-3463	424	1	american	american	PROPN
fsr-3463	424	2	economic	economic	PROPN
fsr-3463	424	3	review	review	PROPN
fsr-3463	424	4	,	,	PUNCT
fsr-3463	424	5	95	95	NUM
fsr-3463	424	6	,	,	PUNCT
fsr-3463	424	7	1573–1590	1573–1590	NUM
fsr-3463	424	8	.	.	PUNCT
fsr-3463	425	1	donnelly	donnelly	PROPN
fsr-3463	425	2	,	,	PUNCT
fsr-3463	425	3	c.	c.	PROPN
fsr-3463	425	4	(	(	PUNCT
fsr-3463	425	5	2015	2015	NUM
fsr-3463	425	6	)	)	PUNCT
fsr-3463	425	7	.	.	PUNCT
fsr-3463	426	1	actuarial	actuarial	ADJ
fsr-3463	426	2	fairness	fairness	NOUN
fsr-3463	426	3	and	and	CCONJ
fsr-3463	426	4	solidarity	solidarity	NOUN
fsr-3463	426	5	in	in	ADP
fsr-3463	426	6	pooled	pool	VERB
fsr-3463	426	7	annuity	annuity	NOUN
fsr-3463	426	8	funds	fund	NOUN
fsr-3463	426	9	.	.	PUNCT
fsr-3463	427	1	astin	astin	PROPN
fsr-3463	427	2	bulletin	bulletin	PROPN
fsr-3463	427	3	,	,	PUNCT
fsr-3463	427	4	45	45	NUM
fsr-3463	427	5	,	,	PUNCT
fsr-3463	427	6	49–74	49–74	NUM
fsr-3463	427	7	.	.	PUNCT
fsr-3463	428	1	finke	finke	PROPN
fsr-3463	428	2	,	,	PUNCT
fsr-3463	428	3	m.	m.	NOUN
fsr-3463	428	4	s.	s.	PROPN
fsr-3463	428	5	,	,	PUNCT
fsr-3463	428	6	howe	howe	PROPN
fsr-3463	428	7	,	,	PUNCT
fsr-3463	428	8	j.	j.	PROPN
fsr-3463	428	9	s.	s.	PROPN
fsr-3463	428	10	,	,	PUNCT
fsr-3463	428	11	&	&	CCONJ
fsr-3463	428	12	huston	huston	PROPN
fsr-3463	428	13	,	,	PUNCT
fsr-3463	428	14	s.	s.	PROPN
fsr-3463	428	15	j.	j.	PROPN
fsr-3463	428	16	(	(	PUNCT
fsr-3463	428	17	2017	2017	NUM
fsr-3463	428	18	)	)	PUNCT
fsr-3463	428	19	.	.	PUNCT
fsr-3463	429	1	old	old	ADJ
fsr-3463	429	2	age	age	NOUN
fsr-3463	429	3	and	and	CCONJ
fsr-3463	429	4	the	the	DET
fsr-3463	429	5	decline	decline	NOUN
fsr-3463	429	6	in	in	ADP
fsr-3463	429	7	financial	financial	ADJ
fsr-3463	429	8	literacy	literacy	NOUN
fsr-3463	429	9	.	.	PUNCT
fsr-3463	430	1	management	management	NOUN
fsr-3463	430	2	science	science	NOUN
fsr-3463	430	3	,	,	PUNCT
fsr-3463	430	4	63	63	NUM
fsr-3463	430	5	,	,	PUNCT
fsr-3463	430	6	213–230	213–230	NUM
fsr-3463	430	7	.	.	PUNCT
fsr-3463	431	1	finkelstein	finkelstein	PROPN
fsr-3463	431	2	,	,	PUNCT
fsr-3463	431	3	a.	a.	PROPN
fsr-3463	431	4	,	,	PUNCT
fsr-3463	431	5	&	&	CCONJ
fsr-3463	431	6	poterba	poterba	PROPN
fsr-3463	431	7	,	,	PUNCT
fsr-3463	431	8	j.	j.	PROPN
fsr-3463	431	9	(	(	PUNCT
fsr-3463	431	10	2004	2004	NUM
fsr-3463	431	11	)	)	PUNCT
fsr-3463	431	12	.	.	PUNCT
fsr-3463	432	1	adverse	adverse	ADJ
fsr-3463	432	2	selection	selection	NOUN
fsr-3463	432	3	in	in	ADP
fsr-3463	432	4	insurance	insurance	NOUN
fsr-3463	432	5	markets	market	NOUN
fsr-3463	432	6	:	:	PUNCT
fsr-3463	432	7	policyholder	policyholder	NOUN
fsr-3463	432	8	evidence	evidence	NOUN
fsr-3463	432	9	from	from	ADP
fsr-3463	432	10	the	the	DET
fsr-3463	432	11	uk	uk	PROPN
fsr-3463	432	12	annuity	annuity	NOUN
fsr-3463	432	13	market	market	NOUN
fsr-3463	432	14	.	.	PUNCT
fsr-3463	433	1	journal	journal	NOUN
fsr-3463	433	2	of	of	ADP
fsr-3463	433	3	political	political	ADJ
fsr-3463	433	4	economy	economy	NOUN
fsr-3463	433	5	,	,	PUNCT
fsr-3463	433	6	112	112	NUM
fsr-3463	433	7	,	,	PUNCT
fsr-3463	433	8	183–208	183–208	NUM
fsr-3463	433	9	.	.	PUNCT
fsr-3463	434	1	friedman	friedman	PROPN
fsr-3463	434	2	,	,	PUNCT
fsr-3463	434	3	b.	b.	PROPN
fsr-3463	434	4	,	,	PUNCT
fsr-3463	434	5	&	&	CCONJ
fsr-3463	434	6	warshawsky	warshawsky	PROPN
fsr-3463	434	7	,	,	PUNCT
fsr-3463	434	8	m.	m.	NOUN
fsr-3463	434	9	(	(	PUNCT
fsr-3463	434	10	1990	1990	NUM
fsr-3463	434	11	)	)	PUNCT
fsr-3463	434	12	.	.	PUNCT
fsr-3463	435	1	the	the	DET
fsr-3463	435	2	cost	cost	NOUN
fsr-3463	435	3	of	of	ADP
fsr-3463	435	4	annuities	annuity	NOUN
fsr-3463	435	5	:	:	PUNCT
fsr-3463	435	6	implications	implication	NOUN
fsr-3463	435	7	for	for	ADP
fsr-3463	435	8	saving	save	VERB
fsr-3463	435	9	behavior	behavior	NOUN
fsr-3463	435	10	and	and	CCONJ
fsr-3463	435	11	bequests	bequest	NOUN
fsr-3463	435	12	.	.	PUNCT
fsr-3463	436	1	the	the	DET
fsr-3463	436	2	quarterly	quarterly	ADJ
fsr-3463	436	3	journal	journal	NOUN
fsr-3463	436	4	of	of	ADP
fsr-3463	436	5	economics	economic	NOUN
fsr-3463	436	6	,	,	PUNCT
fsr-3463	436	7	105	105	NUM
fsr-3463	436	8	,	,	PUNCT
fsr-3463	436	9	135–154	135–154	NUM
fsr-3463	436	10	.	.	PUNCT
fsr-3463	436	11	290	290	NUM
fsr-3463	436	12	y.	y.	PROPN
fsr-3463	436	13	yan	yan	PROPN
fsr-3463	436	14	and	and	CCONJ
fsr-3463	436	15	r.	r.	PROPN
fsr-3463	436	16	n.	n.	PROPN
fsr-3463	436	17	james	james	PROPN
fsr-3463	436	18	/	/	SYM
fsr-3463	436	19	financial	financial	ADJ
fsr-3463	436	20	services	service	NOUN
fsr-3463	436	21	review	review	VERB
fsr-3463	436	22	29	29	NUM
fsr-3463	436	23	(	(	PUNCT
fsr-3463	436	24	2021	2021	NUM
fsr-3463	436	25	)	)	PUNCT
fsr-3463	437	1	277–291	277–291	NUM
fsr-3463	437	2	james	jame	NOUN
fsr-3463	437	3	,	,	PUNCT
fsr-3463	437	4	r.	r.	PROPN
fsr-3463	437	5	n.	n.	PROPN
fsr-3463	437	6	,	,	PUNCT
fsr-3463	437	7	iii	iii	PROPN
fsr-3463	437	8	.	.	PROPN
fsr-3463	437	9	,	,	PUNCT
fsr-3463	437	10	(	(	PUNCT
fsr-3463	437	11	2016	2016	NUM
fsr-3463	437	12	)	)	PUNCT
fsr-3463	437	13	.	.	PUNCT
fsr-3463	438	1	an	an	DET
fsr-3463	438	2	economic	economic	ADJ
fsr-3463	438	3	model	model	NOUN
fsr-3463	438	4	of	of	ADP
fsr-3463	438	5	mortality	mortality	NOUN
fsr-3463	438	6	salience	salience	NOUN
fsr-3463	438	7	in	in	ADP
fsr-3463	438	8	personal	personal	ADJ
fsr-3463	438	9	financial	financial	ADJ
fsr-3463	438	10	decision	decision	NOUN
fsr-3463	438	11	making	making	NOUN
fsr-3463	438	12	:	:	PUNCT
fsr-3463	438	13	applications	application	NOUN
fsr-3463	438	14	to	to	ADP
fsr-3463	438	15	annuities	annuity	NOUN
fsr-3463	438	16	,	,	PUNCT
fsr-3463	438	17	life	life	NOUN
fsr-3463	438	18	insurance	insurance	NOUN
fsr-3463	438	19	,	,	PUNCT
fsr-3463	438	20	charitable	charitable	ADJ
fsr-3463	438	21	gifts	gift	NOUN
fsr-3463	438	22	,	,	PUNCT
fsr-3463	438	23	estate	estate	NOUN
fsr-3463	438	24	planning	planning	NOUN
fsr-3463	438	25	,	,	PUNCT
fsr-3463	438	26	conspicuous	conspicuous	ADJ
fsr-3463	438	27	consumption	consumption	NOUN
fsr-3463	438	28	,	,	PUNCT
fsr-3463	438	29	and	and	CCONJ
fsr-3463	438	30	healthcare	healthcare	PROPN
fsr-3463	438	31	.	.	PUNCT
fsr-3463	439	1	journal	journal	PROPN
fsr-3463	439	2	of	of	ADP
fsr-3463	439	3	financial	financial	ADJ
fsr-3463	439	4	therapy	therapy	NOUN
fsr-3463	439	5	,	,	PUNCT
fsr-3463	439	6	7	7	NUM
fsr-3463	439	7	,	,	PUNCT
fsr-3463	439	8	62–82	62–82	NUM
fsr-3463	439	9	.	.	PUNCT
fsr-3463	440	1	jianakoplos	jianakoplos	PROPN
fsr-3463	440	2	,	,	PUNCT
fsr-3463	440	3	n.	n.	PROPN
fsr-3463	440	4	a.	a.	PROPN
fsr-3463	440	5	,	,	PUNCT
fsr-3463	440	6	&	&	CCONJ
fsr-3463	440	7	bernasek	bernasek	PROPN
fsr-3463	440	8	,	,	PUNCT
fsr-3463	440	9	a.	a.	NOUN
fsr-3463	440	10	(	(	PUNCT
fsr-3463	440	11	1998	1998	NUM
fsr-3463	440	12	)	)	PUNCT
fsr-3463	440	13	.	.	PUNCT
fsr-3463	440	14	are	be	AUX
fsr-3463	440	15	women	woman	NOUN
fsr-3463	440	16	more	more	ADJ
fsr-3463	440	17	risk	risk	NOUN
fsr-3463	440	18	averse	averse	ADJ
fsr-3463	440	19	?	?	PUNCT
fsr-3463	441	1	economic	economic	ADJ
fsr-3463	441	2	inquiry	inquiry	NOUN
fsr-3463	441	3	,	,	PUNCT
fsr-3463	441	4	36	36	NUM
fsr-3463	441	5	,	,	PUNCT
fsr-3463	441	6	620–630	620–630	NUM
fsr-3463	441	7	.	.	PUNCT
fsr-3463	442	1	kahneman	kahneman	PROPN
fsr-3463	442	2	,	,	PUNCT
fsr-3463	442	3	d.	d.	PROPN
fsr-3463	442	4	,	,	PUNCT
fsr-3463	442	5	knetsch	knetsch	PROPN
fsr-3463	442	6	,	,	PUNCT
fsr-3463	442	7	j.	j.	PROPN
fsr-3463	442	8	l.	l.	PROPN
fsr-3463	442	9	,	,	PUNCT
fsr-3463	442	10	&	&	CCONJ
fsr-3463	442	11	thaler	thaler	PROPN
fsr-3463	442	12	,	,	PUNCT
fsr-3463	442	13	r.	r.	PROPN
fsr-3463	442	14	h.	h.	PROPN
fsr-3463	442	15	(	(	PUNCT
fsr-3463	442	16	1991	1991	NUM
fsr-3463	442	17	)	)	PUNCT
fsr-3463	442	18	.	.	PUNCT
fsr-3463	443	1	anomalies	anomaly	NOUN
fsr-3463	443	2	:	:	PUNCT
fsr-3463	443	3	the	the	DET
fsr-3463	443	4	endowment	endowment	ADJ
fsr-3463	443	5	effect	effect	NOUN
fsr-3463	443	6	,	,	PUNCT
fsr-3463	443	7	loss	loss	NOUN
fsr-3463	443	8	aversion	aversion	NOUN
fsr-3463	443	9	,	,	PUNCT
fsr-3463	443	10	and	and	CCONJ
fsr-3463	443	11	status	status	NOUN
fsr-3463	443	12	quo	quo	NOUN
fsr-3463	443	13	bias	bias	NOUN
fsr-3463	443	14	.	.	PUNCT
fsr-3463	444	1	journal	journal	NOUN
fsr-3463	444	2	of	of	ADP
fsr-3463	444	3	economic	economic	ADJ
fsr-3463	444	4	perspectives	perspective	NOUN
fsr-3463	444	5	,	,	PUNCT
fsr-3463	444	6	5	5	NUM
fsr-3463	444	7	,	,	PUNCT
fsr-3463	444	8	193–206	193–206	NUM
fsr-3463	444	9	.	.	PUNCT
fsr-3463	445	1	knell	knell	PROPN
fsr-3463	445	2	,	,	PUNCT
fsr-3463	445	3	m.	m.	NOUN
fsr-3463	445	4	(	(	PUNCT
fsr-3463	445	5	2018	2018	NUM
fsr-3463	445	6	)	)	PUNCT
fsr-3463	445	7	.	.	PUNCT
fsr-3463	446	1	increasing	increase	VERB
fsr-3463	446	2	life	life	NOUN
fsr-3463	446	3	expectancy	expectancy	NOUN
fsr-3463	446	4	and	and	CCONJ
fsr-3463	446	5	ndc	ndc	NOUN
fsr-3463	446	6	pension	pension	NOUN
fsr-3463	446	7	systems	system	NOUN
fsr-3463	446	8	.	.	PUNCT
fsr-3463	447	1	journal	journal	PROPN
fsr-3463	447	2	of	of	ADP
fsr-3463	447	3	pension	pension	NOUN
fsr-3463	447	4	economics	economic	NOUN
fsr-3463	447	5	&	&	CCONJ
fsr-3463	447	6	finance	finance	PROPN
fsr-3463	447	7	,	,	PUNCT
fsr-3463	447	8	17	17	NUM
fsr-3463	447	9	,	,	PUNCT
fsr-3463	447	10	170–199	170–199	NUM
fsr-3463	447	11	.	.	PUNCT
fsr-3463	447	12	laferrère	laferrère	PROPN
fsr-3463	447	13	,	,	PUNCT
fsr-3463	447	14	a.	a.	NOUN
fsr-3463	447	15	(	(	PUNCT
fsr-3463	447	16	2012	2012	NUM
fsr-3463	447	17	)	)	PUNCT
fsr-3463	447	18	.	.	PUNCT
fsr-3463	448	1	housing	housing	NOUN
fsr-3463	448	2	wealth	wealth	NOUN
fsr-3463	448	3	as	as	ADP
fsr-3463	448	4	self	self	NOUN
fsr-3463	448	5	-	-	PUNCT
fsr-3463	448	6	insurance	insurance	NOUN
fsr-3463	448	7	for	for	ADP
fsr-3463	448	8	long	long	ADJ
fsr-3463	448	9	-	-	PUNCT
fsr-3463	448	10	term	term	NOUN
fsr-3463	448	11	care	care	NOUN
fsr-3463	448	12	.	.	PUNCT
fsr-3463	449	1	in	in	ADP
fsr-3463	449	2	financing	finance	VERB
fsr-3463	449	3	long	long	ADJ
fsr-3463	449	4	-	-	PUNCT
fsr-3463	449	5	term	term	NOUN
fsr-3463	449	6	care	care	NOUN
fsr-3463	449	7	in	in	ADP
fsr-3463	449	8	europe	europe	PROPN
fsr-3463	449	9	(	(	PUNCT
fsr-3463	449	10	pp	pp	ADJ
fsr-3463	449	11	.	.	PUNCT
fsr-3463	449	12	73–90	73–90	NUM
fsr-3463	449	13	)	)	PUNCT
fsr-3463	449	14	.	.	PUNCT
fsr-3463	450	1	london	london	PROPN
fsr-3463	450	2	,	,	PUNCT
fsr-3463	450	3	uk	uk	PROPN
fsr-3463	450	4	:	:	PUNCT
fsr-3463	450	5	palgrave	palgrave	PROPN
fsr-3463	450	6	macmillan	macmillan	PROPN
fsr-3463	450	7	.	.	PUNCT
fsr-3463	451	1	lockwood	lockwood	PROPN
fsr-3463	451	2	,	,	PUNCT
fsr-3463	451	3	l.	l.	PROPN
fsr-3463	451	4	m.	m.	PROPN
fsr-3463	451	5	(	(	PUNCT
fsr-3463	451	6	2012	2012	NUM
fsr-3463	451	7	)	)	PUNCT
fsr-3463	451	8	.	.	PUNCT
fsr-3463	452	1	bequest	bequest	NOUN
fsr-3463	452	2	motives	motive	NOUN
fsr-3463	452	3	and	and	CCONJ
fsr-3463	452	4	the	the	DET
fsr-3463	452	5	annuity	annuity	NOUN
fsr-3463	452	6	puzzle	puzzle	NOUN
fsr-3463	452	7	.	.	PUNCT
fsr-3463	453	1	review	review	NOUN
fsr-3463	453	2	of	of	ADP
fsr-3463	453	3	economic	economic	ADJ
fsr-3463	453	4	dynamics	dynamic	NOUN
fsr-3463	453	5	,	,	PUNCT
fsr-3463	453	6	15	15	NUM
fsr-3463	453	7	,	,	PUNCT
fsr-3463	453	8	226–243	226–243	NUM
fsr-3463	453	9	.	.	PUNCT
fsr-3463	454	1	lockwood	lockwood	PROPN
fsr-3463	454	2	,	,	PUNCT
fsr-3463	454	3	l.	l.	PROPN
fsr-3463	454	4	m.	m.	PROPN
fsr-3463	454	5	(	(	PUNCT
fsr-3463	454	6	2018	2018	NUM
fsr-3463	454	7	)	)	PUNCT
fsr-3463	454	8	.	.	PUNCT
fsr-3463	455	1	incidental	incidental	ADJ
fsr-3463	455	2	bequests	bequest	NOUN
fsr-3463	455	3	and	and	CCONJ
fsr-3463	455	4	the	the	DET
fsr-3463	455	5	choice	choice	NOUN
fsr-3463	455	6	to	to	PART
fsr-3463	455	7	self	self	NOUN
fsr-3463	455	8	-	-	PUNCT
fsr-3463	455	9	insure	insure	VERB
fsr-3463	455	10	late	late	ADJ
fsr-3463	455	11	-	-	PUNCT
fsr-3463	455	12	life	life	NOUN
fsr-3463	455	13	risks	risk	NOUN
fsr-3463	455	14	.	.	PUNCT
fsr-3463	456	1	american	american	PROPN
fsr-3463	456	2	economic	economic	PROPN
fsr-3463	456	3	review	review	PROPN
fsr-3463	456	4	,	,	PUNCT
fsr-3463	456	5	108	108	NUM
fsr-3463	456	6	,	,	PUNCT
fsr-3463	456	7	2513–2550	2513–2550	NUM
fsr-3463	456	8	.	.	PUNCT
fsr-3463	457	1	mitchell	mitchell	PROPN
fsr-3463	457	2	,	,	PUNCT
fsr-3463	457	3	o.	o.	PROPN
fsr-3463	457	4	s.	s.	PROPN
fsr-3463	457	5	,	,	PUNCT
fsr-3463	457	6	&	&	CCONJ
fsr-3463	457	7	mccarthy	mccarthy	PROPN
fsr-3463	457	8	,	,	PUNCT
fsr-3463	457	9	d.	d.	PROPN
fsr-3463	457	10	(	(	PUNCT
fsr-3463	457	11	2002	2002	NUM
fsr-3463	457	12	)	)	PUNCT
fsr-3463	457	13	.	.	PUNCT
fsr-3463	458	1	estimating	estimate	VERB
fsr-3463	458	2	international	international	ADJ
fsr-3463	458	3	adverse	adverse	ADJ
fsr-3463	458	4	selection	selection	NOUN
fsr-3463	458	5	in	in	ADP
fsr-3463	458	6	annuities	annuity	NOUN
fsr-3463	458	7	.	.	PUNCT
fsr-3463	459	1	north	north	ADJ
fsr-3463	459	2	american	american	ADJ
fsr-3463	459	3	actuarial	actuarial	ADJ
fsr-3463	459	4	journal	journal	NOUN
fsr-3463	459	5	,	,	PUNCT
fsr-3463	459	6	6	6	NUM
fsr-3463	459	7	,	,	PUNCT
fsr-3463	459	8	38–54	38–54	NUM
fsr-3463	459	9	.	.	PUNCT
fsr-3463	460	1	modigliani	modigliani	PROPN
fsr-3463	460	2	,	,	PUNCT
fsr-3463	460	3	f.	f.	PROPN
fsr-3463	460	4	(	(	PUNCT
fsr-3463	460	5	1986	1986	NUM
fsr-3463	460	6	)	)	PUNCT
fsr-3463	460	7	.	.	PUNCT
fsr-3463	461	1	life	life	NOUN
fsr-3463	461	2	cycle	cycle	NOUN
fsr-3463	461	3	,	,	PUNCT
fsr-3463	461	4	individual	individual	ADJ
fsr-3463	461	5	thrift	thrift	NOUN
fsr-3463	461	6	,	,	PUNCT
fsr-3463	461	7	and	and	CCONJ
fsr-3463	461	8	the	the	DET
fsr-3463	461	9	wealth	wealth	NOUN
fsr-3463	461	10	of	of	ADP
fsr-3463	461	11	nations	nation	NOUN
fsr-3463	461	12	.	.	PUNCT
fsr-3463	462	1	science	science	NOUN
fsr-3463	462	2	,	,	PUNCT
fsr-3463	462	3	234	234	NUM
fsr-3463	462	4	,	,	PUNCT
fsr-3463	462	5	704–712	704–712	NUM
fsr-3463	462	6	.	.	PUNCT
fsr-3463	463	1	mottola	mottola	PROPN
fsr-3463	463	2	,	,	PUNCT
fsr-3463	463	3	g.	g.	PROPN
fsr-3463	463	4	,	,	PUNCT
fsr-3463	463	5	&	&	CCONJ
fsr-3463	463	6	utkus	utkus	PROPN
fsr-3463	463	7	,	,	PUNCT
fsr-3463	463	8	s.	s.	PROPN
fsr-3463	463	9	(	(	PUNCT
fsr-3463	463	10	2008	2008	NUM
fsr-3463	463	11	)	)	PUNCT
fsr-3463	463	12	.	.	PUNCT
fsr-3463	464	1	lump	lump	NOUN
fsr-3463	464	2	sum	sum	NOUN
fsr-3463	464	3	or	or	CCONJ
fsr-3463	464	4	annuity	annuity	NOUN
fsr-3463	464	5	?	?	PUNCT
fsr-3463	465	1	an	an	DET
fsr-3463	465	2	analysis	analysis	NOUN
fsr-3463	465	3	of	of	ADP
fsr-3463	465	4	choice	choice	NOUN
fsr-3463	465	5	in	in	ADP
fsr-3463	465	6	db	db	PROPN
fsr-3463	465	7	pension	pension	NOUN
fsr-3463	465	8	payouts	payout	NOUN
fsr-3463	465	9	.	.	PUNCT
fsr-3463	466	1	pension	pension	NOUN
fsr-3463	466	2	benefits	benefit	NOUN
fsr-3463	466	3	,	,	PUNCT
fsr-3463	466	4	17	17	NUM
fsr-3463	466	5	,	,	PUNCT
fsr-3463	466	6	2–4	2–4	NUM
fsr-3463	466	7	.	.	X
fsr-3463	466	8	pang	pang	PROPN
fsr-3463	466	9	,	,	PUNCT
fsr-3463	466	10	g.	g.	PROPN
fsr-3463	466	11	,	,	PUNCT
fsr-3463	466	12	&	&	CCONJ
fsr-3463	466	13	warshawsky	warshawsky	NOUN
fsr-3463	466	14	,	,	PUNCT
fsr-3463	466	15	m.	m.	NOUN
fsr-3463	466	16	(	(	PUNCT
fsr-3463	466	17	2010	2010	NUM
fsr-3463	466	18	)	)	PUNCT
fsr-3463	466	19	.	.	PUNCT
fsr-3463	467	1	optimizing	optimize	VERB
fsr-3463	467	2	the	the	DET
fsr-3463	467	3	equity	equity	NOUN
fsr-3463	467	4	-	-	PUNCT
fsr-3463	467	5	bond	bond	NOUN
fsr-3463	467	6	-	-	PUNCT
fsr-3463	467	7	annuity	annuity	NOUN
fsr-3463	467	8	portfolio	portfolio	NOUN
fsr-3463	467	9	in	in	ADP
fsr-3463	467	10	retirement	retirement	NOUN
fsr-3463	467	11	:	:	PUNCT
fsr-3463	467	12	the	the	DET
fsr-3463	467	13	impact	impact	NOUN
fsr-3463	467	14	of	of	ADP
fsr-3463	467	15	uncertain	uncertain	ADJ
fsr-3463	467	16	health	health	NOUN
fsr-3463	467	17	expenses	expense	NOUN
fsr-3463	467	18	.	.	PUNCT
fsr-3463	468	1	insurance	insurance	NOUN
fsr-3463	468	2	:	:	PUNCT
fsr-3463	468	3	mathematics	mathematic	NOUN
fsr-3463	468	4	and	and	CCONJ
fsr-3463	468	5	economics	economic	NOUN
fsr-3463	468	6	,	,	PUNCT
fsr-3463	468	7	46	46	NUM
fsr-3463	468	8	,	,	PUNCT
fsr-3463	468	9	198–209	198–209	NUM
fsr-3463	468	10	.	.	PUNCT
fsr-3463	469	1	pecchenino	pecchenino	PROPN
fsr-3463	469	2	,	,	PUNCT
fsr-3463	469	3	r.	r.	PROPN
fsr-3463	469	4	,	,	PUNCT
fsr-3463	469	5	&	&	CCONJ
fsr-3463	469	6	pollard	pollard	PROPN
fsr-3463	469	7	,	,	PUNCT
fsr-3463	469	8	p.	p.	PROPN
fsr-3463	469	9	(	(	PUNCT
fsr-3463	469	10	1997	1997	NUM
fsr-3463	469	11	)	)	PUNCT
fsr-3463	469	12	.	.	PUNCT
fsr-3463	470	1	the	the	DET
fsr-3463	470	2	effects	effect	NOUN
fsr-3463	470	3	of	of	ADP
fsr-3463	470	4	annuities	annuity	NOUN
fsr-3463	470	5	,	,	PUNCT
fsr-3463	470	6	bequests	bequest	NOUN
fsr-3463	470	7	,	,	PUNCT
fsr-3463	470	8	and	and	CCONJ
fsr-3463	470	9	aging	age	VERB
fsr-3463	470	10	in	in	ADP
fsr-3463	470	11	an	an	DET
fsr-3463	470	12	overlapping	overlap	VERB
fsr-3463	470	13	generations	generation	NOUN
fsr-3463	470	14	model	model	NOUN
fsr-3463	470	15	of	of	ADP
fsr-3463	470	16	endogenous	endogenous	ADJ
fsr-3463	470	17	growth	growth	NOUN
fsr-3463	470	18	.	.	PUNCT
fsr-3463	471	1	the	the	DET
fsr-3463	471	2	economic	economic	ADJ
fsr-3463	471	3	journal	journal	NOUN
fsr-3463	471	4	,	,	PUNCT
fsr-3463	471	5	107	107	NUM
fsr-3463	471	6	,	,	PUNCT
fsr-3463	471	7	26–46	26–46	NUM
fsr-3463	471	8	.	.	PUNCT
fsr-3463	471	9	peijnenburg	peijnenburg	PROPN
fsr-3463	471	10	,	,	PUNCT
fsr-3463	471	11	k.	k.	PROPN
fsr-3463	471	12	,	,	PUNCT
fsr-3463	471	13	nijman	nijman	ADJ
fsr-3463	471	14	,	,	PUNCT
fsr-3463	471	15	t.	t.	PROPN
fsr-3463	471	16	,	,	PUNCT
fsr-3463	471	17	&	&	CCONJ
fsr-3463	471	18	werker	werker	PROPN
fsr-3463	471	19	,	,	PUNCT
fsr-3463	471	20	b.	b.	PROPN
fsr-3463	471	21	j.	j.	PROPN
fsr-3463	471	22	(	(	PUNCT
fsr-3463	471	23	2016	2016	NUM
fsr-3463	471	24	)	)	PUNCT
fsr-3463	471	25	.	.	PUNCT
fsr-3463	472	1	the	the	DET
fsr-3463	472	2	annuity	annuity	NOUN
fsr-3463	472	3	puzzle	puzzle	NOUN
fsr-3463	472	4	remains	remain	VERB
fsr-3463	472	5	a	a	DET
fsr-3463	472	6	puzzle	puzzle	NOUN
fsr-3463	472	7	.	.	PUNCT
fsr-3463	473	1	journal	journal	NOUN
fsr-3463	473	2	of	of	ADP
fsr-3463	473	3	economic	economic	ADJ
fsr-3463	473	4	dynamics	dynamic	NOUN
fsr-3463	473	5	and	and	CCONJ
fsr-3463	473	6	control	control	NOUN
fsr-3463	473	7	,	,	PUNCT
fsr-3463	473	8	70	70	NUM
fsr-3463	473	9	,	,	PUNCT
fsr-3463	473	10	18–35	18–35	NUM
fsr-3463	473	11	.	.	PUNCT
fsr-3463	474	1	purcal	purcal	ADJ
fsr-3463	474	2	,	,	PUNCT
fsr-3463	474	3	s.	s.	PROPN
fsr-3463	474	4	,	,	PUNCT
fsr-3463	474	5	&	&	CCONJ
fsr-3463	474	6	piggott	piggott	PROPN
fsr-3463	474	7	,	,	PUNCT
fsr-3463	474	8	j.	j.	PROPN
fsr-3463	474	9	(	(	PUNCT
fsr-3463	474	10	2008	2008	NUM
fsr-3463	474	11	)	)	PUNCT
fsr-3463	474	12	.	.	PUNCT
fsr-3463	475	1	explaining	explain	VERB
fsr-3463	475	2	low	low	ADJ
fsr-3463	475	3	annuity	annuity	NOUN
fsr-3463	475	4	demand	demand	NOUN
fsr-3463	475	5	:	:	PUNCT
fsr-3463	475	6	an	an	DET
fsr-3463	475	7	optimal	optimal	ADJ
fsr-3463	475	8	portfolio	portfolio	NOUN
fsr-3463	475	9	application	application	NOUN
fsr-3463	475	10	to	to	ADP
fsr-3463	475	11	japan	japan	PROPN
fsr-3463	475	12	.	.	PUNCT
fsr-3463	476	1	journal	journal	PROPN
fsr-3463	476	2	of	of	ADP
fsr-3463	476	3	risk	risk	NOUN
fsr-3463	476	4	&	&	CCONJ
fsr-3463	476	5	insurance	insurance	NOUN
fsr-3463	476	6	,	,	PUNCT
fsr-3463	476	7	75	75	NUM
fsr-3463	476	8	,	,	PUNCT
fsr-3463	476	9	493–516	493–516	NUM
fsr-3463	476	10	.	.	PUNCT
fsr-3463	477	1	pyszczynski	pyszczynski	NOUN
fsr-3463	477	2	,	,	PUNCT
fsr-3463	477	3	t.	t.	PROPN
fsr-3463	477	4	,	,	PUNCT
fsr-3463	477	5	greenberg	greenberg	PROPN
fsr-3463	477	6	,	,	PUNCT
fsr-3463	477	7	j.	j.	PROPN
fsr-3463	477	8	,	,	PUNCT
fsr-3463	477	9	&	&	CCONJ
fsr-3463	477	10	solomon	solomon	PROPN
fsr-3463	477	11	,	,	PUNCT
fsr-3463	477	12	s.	s.	PROPN
fsr-3463	477	13	(	(	PUNCT
fsr-3463	477	14	1999	1999	NUM
fsr-3463	477	15	)	)	PUNCT
fsr-3463	477	16	.	.	PUNCT
fsr-3463	478	1	a	a	DET
fsr-3463	478	2	dual	dual	ADJ
fsr-3463	478	3	process	process	NOUN
fsr-3463	478	4	model	model	NOUN
fsr-3463	478	5	of	of	ADP
fsr-3463	478	6	defense	defense	NOUN
fsr-3463	478	7	against	against	ADP
fsr-3463	478	8	conscious	conscious	ADJ
fsr-3463	478	9	and	and	CCONJ
fsr-3463	478	10	unconscious	unconscious	ADJ
fsr-3463	478	11	death	death	NOUN
fsr-3463	478	12	-	-	PUNCT
fsr-3463	478	13	related	relate	VERB
fsr-3463	478	14	thoughts	thought	NOUN
fsr-3463	478	15	:	:	PUNCT
fsr-3463	478	16	an	an	DET
fsr-3463	478	17	extension	extension	NOUN
fsr-3463	478	18	of	of	ADP
fsr-3463	478	19	terror	terror	NOUN
fsr-3463	478	20	management	management	NOUN
fsr-3463	478	21	theory	theory	NOUN
fsr-3463	478	22	.	.	PUNCT
fsr-3463	479	1	psychological	psychological	ADJ
fsr-3463	479	2	review	review	NOUN
fsr-3463	479	3	,	,	PUNCT
fsr-3463	479	4	106	106	NUM
fsr-3463	479	5	,	,	PUNCT
fsr-3463	479	6	835–845	835–845	NUM
fsr-3463	479	7	.	.	PUNCT
fsr-3463	479	8	salisbury	salisbury	PROPN
fsr-3463	479	9	,	,	PUNCT
fsr-3463	479	10	l.	l.	PROPN
fsr-3463	479	11	c.	c.	PROPN
fsr-3463	479	12	,	,	PUNCT
fsr-3463	479	13	&	&	CCONJ
fsr-3463	479	14	nenkov	nenkov	PROPN
fsr-3463	479	15	,	,	PUNCT
fsr-3463	479	16	g.	g.	PROPN
fsr-3463	479	17	y.	y.	PROPN
fsr-3463	479	18	(	(	PUNCT
fsr-3463	479	19	2016	2016	NUM
fsr-3463	479	20	)	)	PUNCT
fsr-3463	479	21	.	.	PUNCT
fsr-3463	480	1	solving	solve	VERB
fsr-3463	480	2	the	the	DET
fsr-3463	480	3	annuity	annuity	NOUN
fsr-3463	480	4	puzzle	puzzle	NOUN
fsr-3463	480	5	:	:	PUNCT
fsr-3463	480	6	the	the	DET
fsr-3463	480	7	role	role	NOUN
fsr-3463	480	8	of	of	ADP
fsr-3463	480	9	mortality	mortality	NOUN
fsr-3463	480	10	salience	salience	NOUN
fsr-3463	480	11	in	in	ADP
fsr-3463	480	12	retirement	retirement	NOUN
fsr-3463	480	13	savings	saving	NOUN
fsr-3463	480	14	decumulation	decumulation	NOUN
fsr-3463	480	15	decisions	decision	NOUN
fsr-3463	480	16	.	.	PUNCT
fsr-3463	481	1	journal	journal	NOUN
fsr-3463	481	2	of	of	ADP
fsr-3463	481	3	consumer	consumer	NOUN
fsr-3463	481	4	psychology	psychology	NOUN
fsr-3463	481	5	,	,	PUNCT
fsr-3463	481	6	26	26	NUM
fsr-3463	481	7	,	,	PUNCT
fsr-3463	481	8	417–425	417–425	NUM
fsr-3463	481	9	.	.	PUNCT
fsr-3463	481	10	scott	scott	PROPN
fsr-3463	481	11	,	,	PUNCT
fsr-3463	481	12	j.	j.	PROPN
fsr-3463	481	13	s.	s.	PROPN
fsr-3463	481	14	(	(	PUNCT
fsr-3463	481	15	2008	2008	NUM
fsr-3463	481	16	)	)	PUNCT
fsr-3463	481	17	.	.	PUNCT
fsr-3463	482	1	the	the	DET
fsr-3463	482	2	longevity	longevity	NOUN
fsr-3463	482	3	annuity	annuity	NOUN
fsr-3463	482	4	:	:	PUNCT
fsr-3463	482	5	an	an	DET
fsr-3463	482	6	annuity	annuity	NOUN
fsr-3463	482	7	for	for	ADP
fsr-3463	482	8	everyone	everyone	PRON
fsr-3463	482	9	?	?	PUNCT
fsr-3463	483	1	financial	financial	ADJ
fsr-3463	483	2	analysts	analyst	NOUN
fsr-3463	483	3	journal	journal	NOUN
fsr-3463	483	4	,	,	PUNCT
fsr-3463	483	5	64	64	NUM
fsr-3463	483	6	,	,	PUNCT
fsr-3463	483	7	40–48	40–48	NUM
fsr-3463	483	8	.	.	PUNCT
fsr-3463	484	1	thaler	thaler	PROPN
fsr-3463	484	2	,	,	PUNCT
fsr-3463	484	3	r.	r.	PROPN
fsr-3463	484	4	(	(	PUNCT
fsr-3463	484	5	1985	1985	NUM
fsr-3463	484	6	)	)	PUNCT
fsr-3463	484	7	.	.	PUNCT
fsr-3463	485	1	mental	mental	ADJ
fsr-3463	485	2	accounting	accounting	NOUN
fsr-3463	485	3	and	and	CCONJ
fsr-3463	485	4	consumer	consumer	NOUN
fsr-3463	485	5	choice.marketing	choice.marketing	NOUN
fsr-3463	485	6	science	science	NOUN
fsr-3463	485	7	,	,	PUNCT
fsr-3463	485	8	4	4	NUM
fsr-3463	485	9	,	,	PUNCT
fsr-3463	485	10	199–214	199–214	NUM
fsr-3463	485	11	.	.	PUNCT
fsr-3463	486	1	van	van	PROPN
fsr-3463	486	2	rooij	rooij	NOUN
fsr-3463	486	3	,	,	PUNCT
fsr-3463	486	4	m.	m.	NOUN
fsr-3463	486	5	,	,	PUNCT
fsr-3463	486	6	lusardi	lusardi	PROPN
fsr-3463	486	7	,	,	PUNCT
fsr-3463	486	8	a.	a.	NOUN
fsr-3463	486	9	,	,	PUNCT
fsr-3463	486	10	&	&	CCONJ
fsr-3463	486	11	alessie	alessie	PROPN
fsr-3463	486	12	,	,	PUNCT
fsr-3463	486	13	r.	r.	PROPN
fsr-3463	486	14	(	(	PUNCT
fsr-3463	486	15	2011	2011	NUM
fsr-3463	486	16	)	)	PUNCT
fsr-3463	486	17	.	.	PUNCT
fsr-3463	487	1	financial	financial	ADJ
fsr-3463	487	2	literacy	literacy	NOUN
fsr-3463	487	3	and	and	CCONJ
fsr-3463	487	4	stock	stock	NOUN
fsr-3463	487	5	market	market	NOUN
fsr-3463	487	6	participation	participation	NOUN
fsr-3463	487	7	.	.	PUNCT
fsr-3463	488	1	journal	journal	NOUN
fsr-3463	488	2	of	of	ADP
fsr-3463	488	3	financial	financial	ADJ
fsr-3463	488	4	economics	economic	NOUN
fsr-3463	488	5	,	,	PUNCT
fsr-3463	488	6	101	101	NUM
fsr-3463	488	7	,	,	PUNCT
fsr-3463	488	8	449–472	449–472	NUM
fsr-3463	488	9	.	.	PUNCT
fsr-3463	489	1	vidal	vidal	NOUN
fsr-3463	489	2	-	-	PUNCT
fsr-3463	489	3	meliá	meliá	NOUN
fsr-3463	489	4	,	,	PUNCT
fsr-3463	489	5	c.	c.	NOUN
fsr-3463	489	6	,	,	PUNCT
fsr-3463	489	7	&	&	CCONJ
fsr-3463	489	8	lejárraga	lejárraga	NOUN
fsr-3463	489	9	-	-	PUNCT
fsr-3463	489	10	garcı́a	garcı́a	PROPN
fsr-3463	489	11	,	,	PUNCT
fsr-3463	489	12	a.	a.	NOUN
fsr-3463	489	13	(	(	PUNCT
fsr-3463	489	14	2006	2006	NUM
fsr-3463	489	15	)	)	PUNCT
fsr-3463	489	16	.	.	PUNCT
fsr-3463	490	1	demand	demand	NOUN
fsr-3463	490	2	for	for	ADP
fsr-3463	490	3	life	life	NOUN
fsr-3463	490	4	annuities	annuity	NOUN
fsr-3463	490	5	from	from	ADP
fsr-3463	490	6	married	married	ADJ
fsr-3463	490	7	couples	couple	NOUN
fsr-3463	490	8	with	with	ADP
fsr-3463	490	9	a	a	DET
fsr-3463	490	10	bequest	bequest	NOUN
fsr-3463	490	11	motive	motive	NOUN
fsr-3463	490	12	.	.	PUNCT
fsr-3463	491	1	journal	journal	PROPN
fsr-3463	491	2	of	of	ADP
fsr-3463	491	3	pension	pension	NOUN
fsr-3463	491	4	economics	economic	NOUN
fsr-3463	491	5	and	and	CCONJ
fsr-3463	491	6	finance	finance	NOUN
fsr-3463	491	7	,	,	PUNCT
fsr-3463	491	8	5	5	NUM
fsr-3463	491	9	,	,	PUNCT
fsr-3463	491	10	197–229	197–229	NUM
fsr-3463	491	11	.	.	PUNCT
fsr-3463	492	1	williams	williams	PROPN
fsr-3463	492	2	,	,	PUNCT
fsr-3463	492	3	j.	j.	PROPN
fsr-3463	492	4	a.	a.	PROPN
fsr-3463	492	5	,	,	PUNCT
fsr-3463	492	6	&	&	CCONJ
fsr-3463	492	7	james	james	PROPN
fsr-3463	492	8	,	,	PUNCT
fsr-3463	492	9	r.	r.	PROPN
fsr-3463	492	10	n.	n.	PROPN
fsr-3463	492	11	,	,	PUNCT
fsr-3463	492	12	iii	iii	PROPN
fsr-3463	492	13	.	.	PROPN
fsr-3463	492	14	,	,	PUNCT
fsr-3463	492	15	(	(	PUNCT
fsr-3463	492	16	2019	2019	NUM
fsr-3463	492	17	)	)	PUNCT
fsr-3463	492	18	.	.	PUNCT
fsr-3463	493	1	bequest	bequ	ADJ
fsr-3463	493	2	provision	provision	NOUN
fsr-3463	493	3	preferences	preference	NOUN
fsr-3463	493	4	in	in	ADP
fsr-3463	493	5	commercial	commercial	ADJ
fsr-3463	493	6	annuities	annuity	NOUN
fsr-3463	493	7	:	:	PUNCT
fsr-3463	493	8	an	an	DET
fsr-3463	493	9	experimental	experimental	ADJ
fsr-3463	493	10	test	test	NOUN
fsr-3463	493	11	of	of	ADP
fsr-3463	493	12	the	the	DET
fsr-3463	493	13	role	role	NOUN
fsr-3463	493	14	of	of	ADP
fsr-3463	493	15	mortality	mortality	NOUN
fsr-3463	493	16	salience	salience	NOUN
fsr-3463	493	17	.	.	PUNCT
fsr-3463	494	1	journal	journal	PROPN
fsr-3463	494	2	of	of	ADP
fsr-3463	494	3	financial	financial	ADJ
fsr-3463	494	4	counseling	counseling	NOUN
fsr-3463	494	5	and	and	CCONJ
fsr-3463	494	6	planning	planning	NOUN
fsr-3463	494	7	,	,	PUNCT
fsr-3463	494	8	30	30	NUM
fsr-3463	494	9	,	,	PUNCT
fsr-3463	494	10	121–131	121–131	NUM
fsr-3463	494	11	.	.	PUNCT
fsr-3463	495	1	the	the	DET
fsr-3463	495	2	world	world	PROPN
fsr-3463	495	3	bank	bank	PROPN
fsr-3463	495	4	.	.	PUNCT
fsr-3463	496	1	(	(	PUNCT
fsr-3463	496	2	2019	2019	NUM
fsr-3463	496	3	)	)	PUNCT
fsr-3463	496	4	.	.	PUNCT
fsr-3463	497	1	life	life	NOUN
fsr-3463	497	2	expectancy	expectancy	NOUN
fsr-3463	497	3	at	at	ADP
fsr-3463	497	4	birth	birth	NOUN
fsr-3463	497	5	,	,	PUNCT
fsr-3463	497	6	total	total	NOUN
fsr-3463	497	7	(	(	PUNCT
fsr-3463	497	8	years	year	NOUN
fsr-3463	497	9	)	)	PUNCT
fsr-3463	497	10	.	.	PUNCT
fsr-3463	498	1	available	available	ADJ
fsr-3463	498	2	at	at	ADP
fsr-3463	498	3	https://data.worldbank.org/	https://data.worldbank.org/	ADJ
fsr-3463	498	4	indicator	indicator	NOUN
fsr-3463	498	5	/	/	SYM
fsr-3463	498	6	sp.dyn.le00.in?cid	sp.dyn.le00.in?cid	NOUN
fsr-3463	498	7	=	=	SYM
fsr-3463	498	8	gpd_10	gpd_10	ADJ
fsr-3463	498	9	yaari	yaari	PROPN
fsr-3463	498	10	,	,	PUNCT
fsr-3463	498	11	m.	m.	PROPN
fsr-3463	498	12	e.	e.	PROPN
fsr-3463	498	13	(	(	PUNCT
fsr-3463	498	14	1965	1965	NUM
fsr-3463	498	15	)	)	PUNCT
fsr-3463	498	16	.	.	PUNCT
fsr-3463	499	1	uncertain	uncertain	ADJ
fsr-3463	499	2	lifetime	lifetime	NOUN
fsr-3463	499	3	,	,	PUNCT
fsr-3463	499	4	life	life	NOUN
fsr-3463	499	5	insurance	insurance	NOUN
fsr-3463	499	6	,	,	PUNCT
fsr-3463	499	7	and	and	CCONJ
fsr-3463	499	8	the	the	DET
fsr-3463	499	9	theory	theory	NOUN
fsr-3463	499	10	of	of	ADP
fsr-3463	499	11	the	the	DET
fsr-3463	499	12	consumer	consumer	NOUN
fsr-3463	499	13	.	.	PUNCT
fsr-3463	500	1	the	the	DET
fsr-3463	500	2	review	review	NOUN
fsr-3463	500	3	of	of	ADP
fsr-3463	500	4	economic	economic	ADJ
fsr-3463	500	5	studies	study	NOUN
fsr-3463	500	6	,	,	PUNCT
fsr-3463	500	7	32	32	NUM
fsr-3463	500	8	,	,	PUNCT
fsr-3463	500	9	137–150	137–150	NUM
fsr-3463	500	10	.	.	PUNCT
fsr-3463	501	1	zizzo	zizzo	PROPN
fsr-3463	501	2	,	,	PUNCT
fsr-3463	501	3	d.	d.	PROPN
fsr-3463	501	4	j.	j.	PROPN
fsr-3463	501	5	(	(	PUNCT
fsr-3463	501	6	2010	2010	NUM
fsr-3463	501	7	)	)	PUNCT
fsr-3463	501	8	.	.	PUNCT
fsr-3463	502	1	experimenter	experimenter	NOUN
fsr-3463	502	2	demand	demand	NOUN
fsr-3463	502	3	effects	effect	NOUN
fsr-3463	502	4	in	in	ADP
fsr-3463	502	5	economic	economic	ADJ
fsr-3463	502	6	experiments	experiment	NOUN
fsr-3463	502	7	.	.	PUNCT
fsr-3463	503	1	experimental	experimental	ADJ
fsr-3463	503	2	economics	economic	NOUN
fsr-3463	503	3	,	,	PUNCT
fsr-3463	503	4	13	13	NUM
fsr-3463	503	5	,	,	PUNCT
fsr-3463	503	6	75–98	75–98	NUM
fsr-3463	503	7	.	.	PUNCT
fsr-3463	504	1	y.	y.	PROPN
fsr-3463	504	2	yan	yan	PROPN
fsr-3463	504	3	and	and	CCONJ
fsr-3463	504	4	r.	r.	PROPN
fsr-3463	504	5	n.	n.	PROPN
fsr-3463	504	6	james	james	PROPN
fsr-3463	504	7	/	/	SYM
fsr-3463	504	8	financial	financial	ADJ
fsr-3463	504	9	services	service	NOUN
fsr-3463	504	10	review	review	VERB
fsr-3463	504	11	29	29	NUM
fsr-3463	504	12	(	(	PUNCT
fsr-3463	504	13	2021	2021	NUM
fsr-3463	504	14	)	)	PUNCT
fsr-3463	505	1	277–291	277–291	NUM
fsr-3463	505	2	291	291	NUM