id	sid	tid	token	lemma	pos
fsr-3464	1	1	financial	financial	ADJ
fsr-3464	1	2	literacy	literacy	NOUN
fsr-3464	1	3	to	to	PART
fsr-3464	1	4	prevent	prevent	VERB
fsr-3464	1	5	poor	poor	ADJ
fsr-3464	1	6	borrowing	borrowing	NOUN
fsr-3464	1	7	choices	choice	NOUN
fsr-3464	1	8	terrance	terrance	PROPN
fsr-3464	1	9	martina	martina	PROPN
fsr-3464	1	10	,	,	PUNCT
fsr-3464	1	11	janine	janine	PROPN
fsr-3464	1	12	k.	k.	PROPN
fsr-3464	1	13	samb	samb	PROPN
fsr-3464	1	14	,	,	PUNCT
fsr-3464	1	15	*	*	PROPN
fsr-3464	1	16	,	,	PUNCT
fsr-3464	1	17	philip	philip	PROPN
fsr-3464	1	18	gibsonc	gibsonc	VERB
fsr-3464	1	19	adepartment	adepartment	NOUN
fsr-3464	1	20	of	of	ADP
fsr-3464	1	21	finance	finance	NOUN
fsr-3464	1	22	&	&	CCONJ
fsr-3464	1	23	economics	economics	PROPN
fsr-3464	1	24	,	,	PUNCT
fsr-3464	1	25	utah	utah	PROPN
fsr-3464	1	26	valley	valley	PROPN
fsr-3464	1	27	university	university	PROPN
fsr-3464	1	28	,	,	PUNCT
fsr-3464	1	29	800	800	NUM
fsr-3464	1	30	west	west	PROPN
fsr-3464	1	31	university	university	PROPN
fsr-3464	1	32	parkway	parkway	NOUN
fsr-3464	1	33	,	,	PUNCT
fsr-3464	1	34	orem	orem	PROPN
fsr-3464	1	35	ut	ut	PROPN
fsr-3464	1	36	84058	84058	NUM
fsr-3464	1	37	,	,	PUNCT
fsr-3464	1	38	usa	usa	PROPN
fsr-3464	1	39	bdepartment	bdepartment	PROPN
fsr-3464	1	40	of	of	ADP
fsr-3464	1	41	business	business	PROPN
fsr-3464	1	42	administration	administration	PROPN
fsr-3464	1	43	,	,	PUNCT
fsr-3464	1	44	shepherd	shepherd	ADJ
fsr-3464	1	45	university	university	NOUN
fsr-3464	1	46	,	,	PUNCT
fsr-3464	1	47	301	301	NUM
fsr-3464	1	48	n	n	PRON
fsr-3464	1	49	king	king	PROPN
fsr-3464	1	50	st	st	PROPN
fsr-3464	1	51	,	,	PUNCT
fsr-3464	1	52	shepherdstown	shepherdstown	PROPN
fsr-3464	1	53	,	,	PUNCT
fsr-3464	1	54	wv	wv	PROPN
fsr-3464	1	55	25443	25443	NUM
fsr-3464	1	56	,	,	PUNCT
fsr-3464	1	57	usa	usa	PROPN
fsr-3464	1	58	ccollege	ccollege	PROPN
fsr-3464	1	59	of	of	ADP
fsr-3464	1	60	business	business	PROPN
fsr-3464	1	61	administration	administration	PROPN
fsr-3464	1	62	,	,	PUNCT
fsr-3464	1	63	winthrop	winthrop	PROPN
fsr-3464	1	64	university	university	PROPN
fsr-3464	1	65	,	,	PUNCT
fsr-3464	1	66	202	202	NUM
fsr-3464	1	67	carroll	carroll	PROPN
fsr-3464	1	68	hall	hall	PROPN
fsr-3464	1	69	,	,	PUNCT
fsr-3464	1	70	rock	rock	PROPN
fsr-3464	1	71	hill	hill	PROPN
fsr-3464	1	72	,	,	PUNCT
fsr-3464	1	73	sc	sc	PROPN
fsr-3464	1	74	29733	29733	NUM
fsr-3464	1	75	,	,	PUNCT
fsr-3464	1	76	usa	usa	PROPN
fsr-3464	1	77	abstract	abstract	PROPN
fsr-3464	1	78	working	working	PROPN
fsr-3464	1	79	americans	americans	PROPN
fsr-3464	1	80	face	face	VERB
fsr-3464	1	81	the	the	DET
fsr-3464	1	82	new	new	ADJ
fsr-3464	1	83	reality	reality	NOUN
fsr-3464	1	84	of	of	ADP
fsr-3464	1	85	having	have	VERB
fsr-3464	1	86	to	to	PART
fsr-3464	1	87	fund	fund	VERB
fsr-3464	1	88	and	and	CCONJ
fsr-3464	1	89	manage	manage	VERB
fsr-3464	1	90	their	their	PRON
fsr-3464	1	91	retirement	retirement	NOUN
fsr-3464	1	92	while	while	SCONJ
fsr-3464	1	93	facing	face	VERB
fsr-3464	1	94	rising	rise	VERB
fsr-3464	1	95	levels	level	NOUN
fsr-3464	1	96	of	of	ADP
fsr-3464	1	97	indebtedness	indebtedness	NOUN
fsr-3464	1	98	.	.	PUNCT
fsr-3464	2	1	a	a	DET
fsr-3464	2	2	basic	basic	ADJ
fsr-3464	2	3	level	level	NOUN
fsr-3464	2	4	of	of	ADP
fsr-3464	2	5	financial	financial	ADJ
fsr-3464	2	6	knowledge	knowledge	NOUN
fsr-3464	2	7	is	be	AUX
fsr-3464	2	8	essential	essential	ADJ
fsr-3464	2	9	to	to	PART
fsr-3464	2	10	make	make	VERB
fsr-3464	2	11	good	good	ADJ
fsr-3464	2	12	long	long	ADJ
fsr-3464	2	13	-	-	PUNCT
fsr-3464	2	14	term	term	NOUN
fsr-3464	2	15	financial	financial	ADJ
fsr-3464	2	16	decisions	decision	NOUN
fsr-3464	2	17	.	.	PUNCT
fsr-3464	3	1	using	use	VERB
fsr-3464	3	2	the	the	DET
fsr-3464	3	3	2015	2015	NUM
fsr-3464	3	4	national	national	ADJ
fsr-3464	3	5	financial	financial	ADJ
fsr-3464	3	6	capacity	capacity	NOUN
fsr-3464	3	7	study	study	NOUN
fsr-3464	3	8	,	,	PUNCT
fsr-3464	3	9	we	we	PRON
fsr-3464	3	10	investigate	investigate	VERB
fsr-3464	3	11	the	the	DET
fsr-3464	3	12	impact	impact	NOUN
fsr-3464	3	13	of	of	ADP
fsr-3464	3	14	financial	financial	ADJ
fsr-3464	3	15	literacy	literacy	NOUN
fsr-3464	3	16	on	on	ADP
fsr-3464	3	17	the	the	DET
fsr-3464	3	18	decision	decision	NOUN
fsr-3464	3	19	to	to	PART
fsr-3464	3	20	access	access	VERB
fsr-3464	3	21	retirement	retirement	NOUN
fsr-3464	3	22	plan	plan	NOUN
fsr-3464	3	23	loans	loan	NOUN
fsr-3464	3	24	before	before	ADP
fsr-3464	3	25	retirement	retirement	NOUN
fsr-3464	3	26	or	or	CCONJ
fsr-3464	3	27	use	use	VERB
fsr-3464	3	28	one	one	NUM
fsr-3464	3	29	or	or	CCONJ
fsr-3464	3	30	more	more	ADV
fsr-3464	3	31	high	high	ADJ
fsr-3464	3	32	-	-	PUNCT
fsr-3464	3	33	cost	cost	NOUN
fsr-3464	3	34	lenders	lender	NOUN
fsr-3464	3	35	.	.	PUNCT
fsr-3464	4	1	our	our	PRON
fsr-3464	4	2	results	result	NOUN
fsr-3464	4	3	show	show	VERB
fsr-3464	4	4	that	that	SCONJ
fsr-3464	4	5	being	be	AUX
fsr-3464	4	6	financially	financially	ADV
fsr-3464	4	7	literate	literate	ADJ
fsr-3464	4	8	reduces	reduce	VERB
fsr-3464	4	9	the	the	DET
fsr-3464	4	10	likelihood	likelihood	NOUN
fsr-3464	4	11	of	of	ADP
fsr-3464	4	12	using	use	VERB
fsr-3464	4	13	high	high	ADJ
fsr-3464	4	14	-	-	PUNCT
fsr-3464	4	15	cost	cost	NOUN
fsr-3464	4	16	lenders	lender	NOUN
fsr-3464	4	17	and	and	CCONJ
fsr-3464	4	18	using	use	VERB
fsr-3464	4	19	retirement	retirement	NOUN
fsr-3464	4	20	-	-	PUNCT
fsr-3464	4	21	plan	plan	NOUN
fsr-3464	4	22	loans	loan	NOUN
fsr-3464	4	23	.	.	PUNCT
fsr-3464	5	1	furthermore	furthermore	ADV
fsr-3464	5	2	,	,	PUNCT
fsr-3464	5	3	we	we	PRON
fsr-3464	5	4	find	find	VERB
fsr-3464	5	5	evidence	evidence	NOUN
fsr-3464	5	6	of	of	ADP
fsr-3464	5	7	a	a	DET
fsr-3464	5	8	negative	negative	ADJ
fsr-3464	5	9	relation	relation	NOUN
fsr-3464	5	10	between	between	ADP
fsr-3464	5	11	financial	financial	ADJ
fsr-3464	5	12	literacy	literacy	NOUN
fsr-3464	5	13	and	and	CCONJ
fsr-3464	5	14	myopic	myopic	ADJ
fsr-3464	5	15	spending	spending	NOUN
fsr-3464	5	16	.	.	PUNCT
fsr-3464	6	1	©	©	PROPN
fsr-3464	6	2	2021	2021	NUM
fsr-3464	6	3	academy	academy	NOUN
fsr-3464	6	4	of	of	ADP
fsr-3464	6	5	financial	financial	ADJ
fsr-3464	6	6	services	service	NOUN
fsr-3464	6	7	.	.	PUNCT
fsr-3464	7	1	all	all	DET
fsr-3464	7	2	rights	right	NOUN
fsr-3464	7	3	reserved	reserve	VERB
fsr-3464	7	4	.	.	PUNCT
fsr-3464	8	1	jel	jel	PROPN
fsr-3464	8	2	classifications	classification	NOUN
fsr-3464	8	3	:	:	PUNCT
fsr-3464	8	4	g4	g4	NOUN
fsr-3464	8	5	;	;	PUNCT
fsr-3464	8	6	d14	d14	NOUN
fsr-3464	8	7	;	;	PUNCT
fsr-3464	8	8	d12	d12	ADJ
fsr-3464	8	9	keywords	keyword	NOUN
fsr-3464	8	10	:	:	PUNCT
fsr-3464	8	11	financial	financial	ADJ
fsr-3464	8	12	literacy	literacy	NOUN
fsr-3464	8	13	;	;	PUNCT
fsr-3464	8	14	retirement	retirement	NOUN
fsr-3464	8	15	plan	plan	NOUN
fsr-3464	8	16	loans	loan	NOUN
fsr-3464	8	17	;	;	PUNCT
fsr-3464	8	18	retirement	retirement	NOUN
fsr-3464	8	19	planning	planning	NOUN
fsr-3464	8	20	;	;	PUNCT
fsr-3464	8	21	high	high	ADJ
fsr-3464	8	22	-	-	PUNCT
fsr-3464	8	23	cost	cost	NOUN
fsr-3464	8	24	borrowing	borrowing	NOUN
fsr-3464	8	25	1	1	NUM
fsr-3464	8	26	.	.	PUNCT
fsr-3464	9	1	introduction	introduction	NOUN
fsr-3464	9	2	the	the	DET
fsr-3464	9	3	use	use	NOUN
fsr-3464	9	4	of	of	ADP
fsr-3464	9	5	defined	define	VERB
fsr-3464	9	6	contribution	contribution	NOUN
fsr-3464	9	7	(	(	PUNCT
fsr-3464	9	8	dc	dc	PROPN
fsr-3464	9	9	)	)	PUNCT
fsr-3464	9	10	plans	plan	NOUN
fsr-3464	9	11	for	for	ADP
fsr-3464	9	12	retirement	retirement	NOUN
fsr-3464	9	13	savings	saving	NOUN
fsr-3464	9	14	accumulation	accumulation	NOUN
fsr-3464	9	15	has	have	AUX
fsr-3464	9	16	increased	increase	VERB
fsr-3464	9	17	significantly	significantly	ADV
fsr-3464	9	18	over	over	ADP
fsr-3464	9	19	the	the	DET
fsr-3464	9	20	last	last	ADJ
fsr-3464	9	21	30	30	NUM
fsr-3464	9	22	years	year	NOUN
fsr-3464	9	23	.	.	PUNCT
fsr-3464	10	1	today	today	NOUN
fsr-3464	10	2	,	,	PUNCT
fsr-3464	10	3	dc	dc	PROPN
fsr-3464	10	4	plans	plan	NOUN
fsr-3464	10	5	cover	cover	VERB
fsr-3464	10	6	90	90	NUM
fsr-3464	10	7	million	million	NUM
fsr-3464	10	8	americans	americans	PROPN
fsr-3464	10	9	,	,	PUNCT
fsr-3464	10	10	with	with	ADP
fsr-3464	10	11	retirement	retirement	NOUN
fsr-3464	10	12	assets	asset	NOUN
fsr-3464	10	13	totaling	total	VERB
fsr-3464	10	14	$	$	SYM
fsr-3464	10	15	6.7	6.7	NUM
fsr-3464	10	16	trillion	trillion	NUM
fsr-3464	10	17	.	.	PUNCT
fsr-3464	11	1	acknowledging	acknowledge	VERB
fsr-3464	11	2	the	the	DET
fsr-3464	11	3	long	long	ADV
fsr-3464	11	4	-	-	PUNCT
fsr-3464	11	5	run	run	NOUN
fsr-3464	11	6	solvency	solvency	NOUN
fsr-3464	11	7	issues	issue	NOUN
fsr-3464	11	8	facing	face	VERB
fsr-3464	11	9	the	the	DET
fsr-3464	11	10	social	social	ADJ
fsr-3464	11	11	security	security	NOUN
fsr-3464	11	12	system	system	NOUN
fsr-3464	11	13	in	in	ADP
fsr-3464	11	14	the	the	DET
fsr-3464	11	15	united	united	PROPN
fsr-3464	11	16	states	states	PROPN
fsr-3464	11	17	,	,	PUNCT
fsr-3464	11	18	it	it	PRON
fsr-3464	11	19	is	be	AUX
fsr-3464	11	20	important	important	ADJ
fsr-3464	11	21	and	and	CCONJ
fsr-3464	11	22	logical	logical	ADJ
fsr-3464	11	23	to	to	PART
fsr-3464	11	24	assume	assume	VERB
fsr-3464	11	25	that	that	SCONJ
fsr-3464	11	26	dc	dc	PROPN
fsr-3464	11	27	plans	plan	VERB
fsr-3464	11	28	along	along	ADP
fsr-3464	11	29	with	with	ADP
fsr-3464	11	30	other	other	ADJ
fsr-3464	11	31	tax	tax	NOUN
fsr-3464	11	32	-	-	PUNCT
fsr-3464	11	33	advantaged	advantaged	ADJ
fsr-3464	11	34	retirement	retirement	NOUN
fsr-3464	11	35	accounts	account	NOUN
fsr-3464	11	36	such	such	ADJ
fsr-3464	11	37	as	as	ADP
fsr-3464	11	38	individual	individual	ADJ
fsr-3464	11	39	retirement	retirement	NOUN
fsr-3464	11	40	accounts	account	NOUN
fsr-3464	11	41	(	(	PUNCT
fsr-3464	11	42	iras	ira	NOUN
fsr-3464	11	43	)	)	PUNCT
fsr-3464	11	44	will	will	AUX
fsr-3464	11	45	be	be	AUX
fsr-3464	11	46	the	the	DET
fsr-3464	11	47	main	main	ADJ
fsr-3464	11	48	source	source	NOUN
fsr-3464	11	49	of	of	ADP
fsr-3464	11	50	retirement	retirement	NOUN
fsr-3464	11	51	wealth	wealth	NOUN
fsr-3464	11	52	for	for	ADP
fsr-3464	11	53	americans	americans	PROPN
fsr-3464	11	54	in	in	ADP
fsr-3464	11	55	the	the	DET
fsr-3464	11	56	future	future	NOUN
fsr-3464	11	57	.	.	PUNCT
fsr-3464	12	1	the	the	DET
fsr-3464	12	2	widespread	widespread	ADJ
fsr-3464	12	3	adoption	adoption	NOUN
fsr-3464	12	4	of	of	ADP
fsr-3464	12	5	plans	plan	NOUN
fsr-3464	12	6	such	such	ADJ
fsr-3464	12	7	as	as	ADP
fsr-3464	12	8	a	a	DET
fsr-3464	12	9	401(k	401(k	NOUN
fsr-3464	12	10	)	)	PUNCT
fsr-3464	12	11	,	,	PUNCT
fsr-3464	12	12	leaves	leave	VERB
fsr-3464	12	13	a	a	DET
fsr-3464	12	14	growing	grow	VERB
fsr-3464	12	15	number	number	NOUN
fsr-3464	12	16	of	of	ADP
fsr-3464	12	17	*	*	PUNCT
fsr-3464	12	18	corresponding	correspond	VERB
fsr-3464	12	19	author	author	NOUN
fsr-3464	12	20	:	:	PUNCT
fsr-3464	12	21	tel	tel	PROPN
fsr-3464	12	22	.	.	PUNCT
fsr-3464	12	23	:	:	PUNCT
fsr-3464	13	1	+1	+1	PROPN
fsr-3464	13	2	-	-	PUNCT
fsr-3464	13	3	304	304	NUM
fsr-3464	13	4	-	-	PUNCT
fsr-3464	13	5	876	876	NUM
fsr-3464	13	6	-	-	SYM
fsr-3464	13	7	5281	5281	NUM
fsr-3464	13	8	;	;	PUNCT
fsr-3464	13	9	fax	fax	NOUN
fsr-3464	13	10	:	:	PUNCT
fsr-3464	13	11	+1	+1	PROPN
fsr-3464	13	12	-	-	PUNCT
fsr-3464	13	13	304	304	NUM
fsr-3464	13	14	-	-	PUNCT
fsr-3464	13	15	876	876	NUM
fsr-3464	13	16	-	-	SYM
fsr-3464	13	17	5193	5193	NUM
fsr-3464	13	18	.	.	PUNCT
fsr-3464	14	1	e	e	X
fsr-3464	14	2	-	-	NOUN
fsr-3464	14	3	mail	mail	NOUN
fsr-3464	14	4	address	address	NOUN
fsr-3464	14	5	:	:	PUNCT
fsr-3464	14	6	jsam@shepherd.edu	jsam@shepherd.edu	PROPN
fsr-3464	14	7	1057	1057	NUM
fsr-3464	14	8	-	-	SYM
fsr-3464	14	9	0810/21/$	0810/21/$	NUM
fsr-3464	14	10	–	–	PUNCT
fsr-3464	14	11	see	see	VERB
fsr-3464	14	12	front	front	ADJ
fsr-3464	14	13	matter	matter	NOUN
fsr-3464	14	14	©	©	PROPN
fsr-3464	14	15	2021	2021	NUM
fsr-3464	14	16	academy	academy	NOUN
fsr-3464	14	17	of	of	ADP
fsr-3464	14	18	financial	financial	ADJ
fsr-3464	14	19	services	service	NOUN
fsr-3464	14	20	.	.	PUNCT
fsr-3464	15	1	all	all	DET
fsr-3464	15	2	rights	right	NOUN
fsr-3464	15	3	reserved	reserve	VERB
fsr-3464	15	4	.	.	PUNCT
fsr-3464	16	1	financial	financial	ADJ
fsr-3464	16	2	services	service	NOUN
fsr-3464	16	3	review	review	VERB
fsr-3464	16	4	29	29	NUM
fsr-3464	16	5	(	(	PUNCT
fsr-3464	16	6	2021	2021	NUM
fsr-3464	16	7	)	)	PUNCT
fsr-3464	16	8	293–314	293–314	NUM
fsr-3464	16	9	american	american	ADJ
fsr-3464	16	10	workers	worker	NOUN
fsr-3464	16	11	with	with	ADP
fsr-3464	16	12	the	the	DET
fsr-3464	16	13	responsibility	responsibility	NOUN
fsr-3464	16	14	of	of	ADP
fsr-3464	16	15	individually	individually	ADV
fsr-3464	16	16	funding	funding	NOUN
fsr-3464	16	17	and	and	CCONJ
fsr-3464	16	18	managing	manage	VERB
fsr-3464	16	19	this	this	DET
fsr-3464	16	20	critical	critical	ADJ
fsr-3464	16	21	source	source	NOUN
fsr-3464	16	22	of	of	ADP
fsr-3464	16	23	retirement	retirement	NOUN
fsr-3464	16	24	income	income	NOUN
fsr-3464	16	25	.	.	PUNCT
fsr-3464	17	1	munnell	munnell	PROPN
fsr-3464	17	2	and	and	CCONJ
fsr-3464	17	3	webb	webb	PROPN
fsr-3464	17	4	(	(	PUNCT
fsr-3464	17	5	2015	2015	NUM
fsr-3464	17	6	)	)	PUNCT
fsr-3464	17	7	found	find	VERB
fsr-3464	17	8	that	that	SCONJ
fsr-3464	17	9	individuals	individual	NOUN
fsr-3464	17	10	ten	ten	NUM
fsr-3464	17	11	years	year	NOUN
fsr-3464	17	12	or	or	CCONJ
fsr-3464	17	13	less	less	ADJ
fsr-3464	17	14	from	from	ADP
fsr-3464	17	15	retirement	retirement	NOUN
fsr-3464	17	16	had	have	VERB
fsr-3464	17	17	a	a	DET
fsr-3464	17	18	combined	combined	ADJ
fsr-3464	17	19	average	average	NOUN
fsr-3464	17	20	of	of	ADP
fsr-3464	17	21	only	only	ADV
fsr-3464	17	22	$	$	SYM
fsr-3464	17	23	111,000	111,000	NUM
fsr-3464	17	24	in	in	ADP
fsr-3464	17	25	their	their	PRON
fsr-3464	17	26	dc	dc	PROPN
fsr-3464	17	27	plans	plan	NOUN
fsr-3464	17	28	.	.	PUNCT
fsr-3464	18	1	a	a	DET
fsr-3464	18	2	possible	possible	ADJ
fsr-3464	18	3	explanation	explanation	NOUN
fsr-3464	18	4	for	for	ADP
fsr-3464	18	5	such	such	DET
fsr-3464	18	6	a	a	DET
fsr-3464	18	7	modest	modest	ADJ
fsr-3464	18	8	average	average	ADJ
fsr-3464	18	9	retirement	retirement	NOUN
fsr-3464	18	10	savings	saving	NOUN
fsr-3464	18	11	balance	balance	NOUN
fsr-3464	18	12	,	,	PUNCT
fsr-3464	18	13	as	as	SCONJ
fsr-3464	18	14	outlined	outline	VERB
fsr-3464	18	15	by	by	ADP
fsr-3464	18	16	munnell	munnell	PROPN
fsr-3464	18	17	and	and	CCONJ
fsr-3464	18	18	webb	webb	PROPN
fsr-3464	18	19	(	(	PUNCT
fsr-3464	18	20	2015	2015	NUM
fsr-3464	18	21	)	)	PUNCT
fsr-3464	18	22	,	,	PUNCT
fsr-3464	18	23	is	be	AUX
fsr-3464	18	24	the	the	DET
fsr-3464	18	25	american	american	PROPN
fsr-3464	18	26	retirement	retirement	PROPN
fsr-3464	18	27	savings	saving	NOUN
fsr-3464	18	28	system	system	NOUN
fsr-3464	18	29	’s	’s	PART
fsr-3464	18	30	liquidity	liquidity	NOUN
fsr-3464	18	31	.	.	PUNCT
fsr-3464	19	1	in	in	ADP
fsr-3464	19	2	the	the	DET
fsr-3464	19	3	united	united	PROPN
fsr-3464	19	4	states	states	PROPN
fsr-3464	19	5	—	—	PUNCT
fsr-3464	19	6	more	more	ADJ
fsr-3464	19	7	than	than	ADP
fsr-3464	19	8	any	any	DET
fsr-3464	19	9	other	other	ADJ
fsr-3464	19	10	developed	develop	VERB
fsr-3464	19	11	country	country	NOUN
fsr-3464	19	12	—	—	PUNCT
fsr-3464	19	13	plan	plan	VERB
fsr-3464	19	14	participants	participant	NOUN
fsr-3464	19	15	may	may	AUX
fsr-3464	19	16	access	access	VERB
fsr-3464	19	17	their	their	PRON
fsr-3464	19	18	retirement	retirement	NOUN
fsr-3464	19	19	savings	saving	NOUN
fsr-3464	19	20	at	at	ADP
fsr-3464	19	21	any	any	DET
fsr-3464	19	22	point	point	NOUN
fsr-3464	19	23	during	during	ADP
fsr-3464	19	24	their	their	PRON
fsr-3464	19	25	life	life	NOUN
fsr-3464	19	26	cycle	cycle	NOUN
fsr-3464	19	27	(	(	PUNCT
fsr-3464	19	28	beshears	beshear	NOUN
fsr-3464	19	29	,	,	PUNCT
fsr-3464	19	30	choi	choi	NOUN
fsr-3464	19	31	,	,	PUNCT
fsr-3464	19	32	hurwitz	hurwitz	PROPN
fsr-3464	19	33	,	,	PUNCT
fsr-3464	19	34	laibson	laibson	PROPN
fsr-3464	19	35	,	,	PUNCT
fsr-3464	19	36	&	&	CCONJ
fsr-3464	19	37	madrian	madrian	ADJ
fsr-3464	19	38	,	,	PUNCT
fsr-3464	19	39	2015	2015	NUM
fsr-3464	19	40	)	)	PUNCT
fsr-3464	19	41	.	.	PUNCT
fsr-3464	20	1	specifically	specifically	ADV
fsr-3464	20	2	,	,	PUNCT
fsr-3464	20	3	retirement	retirement	NOUN
fsr-3464	20	4	plan	plan	NOUN
fsr-3464	20	5	participants	participant	NOUN
fsr-3464	20	6	may	may	AUX
fsr-3464	20	7	take	take	VERB
fsr-3464	20	8	a	a	DET
fsr-3464	20	9	plan	plan	NOUN
fsr-3464	20	10	loan	loan	NOUN
fsr-3464	20	11	or	or	CCONJ
fsr-3464	20	12	hardship	hardship	NOUN
fsr-3464	20	13	withdrawal	withdrawal	NOUN
fsr-3464	20	14	against	against	ADP
fsr-3464	20	15	their	their	PRON
fsr-3464	20	16	retirement	retirement	NOUN
fsr-3464	20	17	assets	asset	NOUN
fsr-3464	20	18	while	while	SCONJ
fsr-3464	20	19	working.1	working.1	PROPN
fsr-3464	20	20	total	total	ADJ
fsr-3464	20	21	u.s	u.s	PROPN
fsr-3464	20	22	.	.	PROPN
fsr-3464	20	23	non	non	ADJ
fsr-3464	20	24	-	-	ADJ
fsr-3464	20	25	housing	housing	ADJ
fsr-3464	20	26	consumer	consumer	NOUN
fsr-3464	20	27	debt	debt	NOUN
fsr-3464	20	28	reached	reach	VERB
fsr-3464	20	29	$	$	SYM
fsr-3464	20	30	4	4	NUM
fsr-3464	20	31	trillion	trillion	NUM
fsr-3464	20	32	at	at	ADP
fsr-3464	20	33	the	the	DET
fsr-3464	20	34	end	end	NOUN
fsr-3464	20	35	of	of	ADP
fsr-3464	20	36	2016	2016	NUM
fsr-3464	20	37	(	(	PUNCT
fsr-3464	20	38	new	new	PROPN
fsr-3464	20	39	york	york	PROPN
fsr-3464	20	40	fed	fed	PROPN
fsr-3464	20	41	,	,	PUNCT
fsr-3464	20	42	2017	2017	NUM
fsr-3464	20	43	)	)	PUNCT
fsr-3464	20	44	.	.	PUNCT
fsr-3464	21	1	the	the	PRON
fsr-3464	21	2	higher	high	ADJ
fsr-3464	21	3	the	the	DET
fsr-3464	21	4	level	level	NOUN
fsr-3464	21	5	of	of	ADP
fsr-3464	21	6	debt	debt	NOUN
fsr-3464	21	7	on	on	ADP
fsr-3464	21	8	household	household	NOUN
fsr-3464	21	9	balance	balance	NOUN
fsr-3464	21	10	sheets	sheet	NOUN
fsr-3464	21	11	,	,	PUNCT
fsr-3464	21	12	the	the	DET
fsr-3464	21	13	more	more	ADV
fsr-3464	21	14	likely	likely	ADJ
fsr-3464	21	15	households	household	NOUN
fsr-3464	21	16	will	will	AUX
fsr-3464	21	17	be	be	AUX
fsr-3464	21	18	negatively	negatively	ADV
fsr-3464	21	19	impacted	impact	VERB
fsr-3464	21	20	by	by	ADP
fsr-3464	21	21	economic	economic	ADJ
fsr-3464	21	22	shocks	shock	NOUN
fsr-3464	21	23	,	,	PUNCT
fsr-3464	21	24	such	such	ADJ
fsr-3464	21	25	as	as	ADP
fsr-3464	21	26	a	a	DET
fsr-3464	21	27	drop	drop	NOUN
fsr-3464	21	28	in	in	ADP
fsr-3464	21	29	income	income	NOUN
fsr-3464	21	30	or	or	CCONJ
fsr-3464	21	31	change	change	NOUN
fsr-3464	21	32	in	in	ADP
fsr-3464	21	33	home	home	NOUN
fsr-3464	21	34	prices	price	NOUN
fsr-3464	21	35	.	.	PUNCT
fsr-3464	22	1	to	to	PART
fsr-3464	22	2	meet	meet	VERB
fsr-3464	22	3	shortfalls	shortfall	NOUN
fsr-3464	22	4	while	while	SCONJ
fsr-3464	22	5	experiencing	experience	VERB
fsr-3464	22	6	liquidity	liquidity	NOUN
fsr-3464	22	7	constraints	constraint	NOUN
fsr-3464	22	8	,	,	PUNCT
fsr-3464	22	9	some	some	DET
fsr-3464	22	10	american	american	ADJ
fsr-3464	22	11	households	household	NOUN
fsr-3464	22	12	have	have	AUX
fsr-3464	22	13	turned	turn	VERB
fsr-3464	22	14	towards	towards	ADP
fsr-3464	22	15	high	high	ADJ
fsr-3464	22	16	-	-	PUNCT
fsr-3464	22	17	cost	cost	NOUN
fsr-3464	22	18	lenders	lender	NOUN
fsr-3464	22	19	such	such	ADJ
fsr-3464	22	20	as	as	ADP
fsr-3464	22	21	payday	payday	NOUN
fsr-3464	22	22	and	and	CCONJ
fsr-3464	22	23	title	title	NOUN
fsr-3464	22	24	loan	loan	NOUN
fsr-3464	22	25	providers	provider	NOUN
fsr-3464	22	26	.	.	PUNCT
fsr-3464	23	1	the	the	DET
fsr-3464	23	2	pew	pew	NOUN
fsr-3464	23	3	charitable	charitable	ADJ
fsr-3464	23	4	trust	trust	NOUN
fsr-3464	23	5	reported	report	VERB
fsr-3464	23	6	that	that	SCONJ
fsr-3464	23	7	12	12	NUM
fsr-3464	23	8	million	million	NUM
fsr-3464	23	9	americans	americans	PROPN
fsr-3464	23	10	spent	spend	VERB
fsr-3464	23	11	$	$	SYM
fsr-3464	23	12	9	9	NUM
fsr-3464	23	13	billion	billion	NUM
fsr-3464	23	14	in	in	ADP
fsr-3464	23	15	payday	payday	NOUN
fsr-3464	23	16	loan	loan	NOUN
fsr-3464	23	17	fees	fee	NOUN
fsr-3464	23	18	and	and	CCONJ
fsr-3464	23	19	another	another	DET
fsr-3464	23	20	$	$	SYM
fsr-3464	23	21	3	3	NUM
fsr-3464	23	22	billion	billion	NUM
fsr-3464	23	23	on	on	ADP
fsr-3464	23	24	auto	auto	NOUN
fsr-3464	23	25	title	title	NOUN
fsr-3464	23	26	loans	loan	NOUN
fsr-3464	23	27	on	on	ADP
fsr-3464	23	28	an	an	DET
fsr-3464	23	29	annual	annual	ADJ
fsr-3464	23	30	basis	basis	NOUN
fsr-3464	23	31	.	.	PUNCT
fsr-3464	24	1	the	the	DET
fsr-3464	24	2	potential	potential	ADJ
fsr-3464	24	3	liquidity	liquidity	NOUN
fsr-3464	24	4	provided	provide	VERB
fsr-3464	24	5	by	by	ADP
fsr-3464	24	6	retirement	retirement	NOUN
fsr-3464	24	7	accounts	account	NOUN
fsr-3464	24	8	and	and	CCONJ
fsr-3464	24	9	high	high	ADJ
fsr-3464	24	10	-	-	PUNCT
fsr-3464	24	11	cost	cost	NOUN
fsr-3464	24	12	lenders	lender	NOUN
fsr-3464	24	13	is	be	AUX
fsr-3464	24	14	a	a	DET
fsr-3464	24	15	doubleedged	doubleedge	VERB
fsr-3464	24	16	sword	sword	NOUN
fsr-3464	24	17	that	that	PRON
fsr-3464	24	18	offers	offer	VERB
fsr-3464	24	19	short	short	ADJ
fsr-3464	24	20	-	-	PUNCT
fsr-3464	24	21	term	term	NOUN
fsr-3464	24	22	financial	financial	ADJ
fsr-3464	24	23	reprieve	reprieve	NOUN
fsr-3464	24	24	in	in	ADP
fsr-3464	24	25	the	the	DET
fsr-3464	24	26	presence	presence	NOUN
fsr-3464	24	27	of	of	ADP
fsr-3464	24	28	an	an	DET
fsr-3464	24	29	income	income	NOUN
fsr-3464	24	30	shock	shock	NOUN
fsr-3464	24	31	,	,	PUNCT
fsr-3464	24	32	and	and	CCONJ
fsr-3464	24	33	the	the	DET
fsr-3464	24	34	possibility	possibility	NOUN
fsr-3464	24	35	of	of	ADP
fsr-3464	24	36	a	a	DET
fsr-3464	24	37	loss	loss	NOUN
fsr-3464	24	38	of	of	ADP
fsr-3464	24	39	utility	utility	NOUN
fsr-3464	24	40	during	during	ADP
fsr-3464	24	41	present	present	ADJ
fsr-3464	24	42	and	and	CCONJ
fsr-3464	24	43	future	future	ADJ
fsr-3464	24	44	periods	period	NOUN
fsr-3464	24	45	such	such	ADJ
fsr-3464	24	46	as	as	ADP
fsr-3464	24	47	retirement	retirement	NOUN
fsr-3464	24	48	(	(	PUNCT
fsr-3464	24	49	argento	argento	PROPN
fsr-3464	24	50	et	et	PROPN
fsr-3464	24	51	al	al	PROPN
fsr-3464	24	52	.	.	PROPN
fsr-3464	24	53	,	,	PUNCT
fsr-3464	24	54	2015	2015	NUM
fsr-3464	24	55	)	)	PUNCT
fsr-3464	24	56	.	.	PUNCT
fsr-3464	25	1	using	use	VERB
fsr-3464	25	2	data	datum	NOUN
fsr-3464	25	3	from	from	ADP
fsr-3464	25	4	the	the	DET
fsr-3464	25	5	national	national	ADJ
fsr-3464	25	6	financial	financial	ADJ
fsr-3464	25	7	capacity	capacity	NOUN
fsr-3464	25	8	study	study	NOUN
fsr-3464	25	9	(	(	PUNCT
fsr-3464	25	10	nfcs	nfcs	PROPN
fsr-3464	25	11	)	)	PUNCT
fsr-3464	25	12	2015	2015	NUM
fsr-3464	25	13	state	state	NOUN
fsr-3464	25	14	-	-	PUNCT
fsr-3464	25	15	by	by	ADP
fsr-3464	25	16	-	-	PUNCT
fsr-3464	25	17	state	state	NOUN
fsr-3464	25	18	tracking	tracking	NOUN
fsr-3464	25	19	dataset	dataset	NOUN
fsr-3464	25	20	,	,	PUNCT
fsr-3464	25	21	in	in	ADP
fsr-3464	25	22	this	this	DET
fsr-3464	25	23	paper	paper	NOUN
fsr-3464	25	24	we	we	PRON
fsr-3464	25	25	study	study	VERB
fsr-3464	25	26	the	the	DET
fsr-3464	25	27	use	use	NOUN
fsr-3464	25	28	of	of	ADP
fsr-3464	25	29	two	two	NUM
fsr-3464	25	30	alternatives	alternative	NOUN
fsr-3464	25	31	to	to	ADP
fsr-3464	25	32	conventional	conventional	ADJ
fsr-3464	25	33	borrowing	borrowing	NOUN
fsr-3464	25	34	:	:	PUNCT
fsr-3464	25	35	retirement	retirement	NOUN
fsr-3464	25	36	plan	plan	NOUN
fsr-3464	25	37	withdrawals	withdrawal	NOUN
fsr-3464	25	38	(	(	PUNCT
fsr-3464	25	39	“	"	PUNCT
fsr-3464	25	40	leakage	leakage	NOUN
fsr-3464	25	41	”	"	PUNCT
fsr-3464	25	42	)	)	PUNCT
fsr-3464	25	43	and	and	CCONJ
fsr-3464	25	44	accessing	access	VERB
fsr-3464	25	45	high	high	ADJ
fsr-3464	25	46	-	-	PUNCT
fsr-3464	25	47	cost	cost	NOUN
fsr-3464	25	48	lenders	lender	NOUN
fsr-3464	25	49	.	.	PUNCT
fsr-3464	26	1	further	far	ADV
fsr-3464	26	2	,	,	PUNCT
fsr-3464	26	3	we	we	PRON
fsr-3464	26	4	investigate	investigate	VERB
fsr-3464	26	5	the	the	DET
fsr-3464	26	6	impact	impact	NOUN
fsr-3464	26	7	of	of	ADP
fsr-3464	26	8	financial	financial	ADJ
fsr-3464	26	9	literacy	literacy	NOUN
fsr-3464	26	10	on	on	ADP
fsr-3464	26	11	either	either	CCONJ
fsr-3464	26	12	accessing	access	VERB
fsr-3464	26	13	retirement	retirement	NOUN
fsr-3464	26	14	savings	saving	NOUN
fsr-3464	26	15	before	before	ADP
fsr-3464	26	16	retirement	retirement	NOUN
fsr-3464	26	17	or	or	CCONJ
fsr-3464	26	18	using	use	VERB
fsr-3464	26	19	high	high	ADJ
fsr-3464	26	20	-	-	PUNCT
fsr-3464	26	21	cost	cost	NOUN
fsr-3464	26	22	lenders	lender	NOUN
fsr-3464	26	23	.	.	PUNCT
fsr-3464	27	1	we	we	PRON
fsr-3464	27	2	also	also	ADV
fsr-3464	27	3	study	study	VERB
fsr-3464	27	4	how	how	SCONJ
fsr-3464	27	5	financial	financial	ADJ
fsr-3464	27	6	literacy	literacy	NOUN
fsr-3464	27	7	relates	relate	VERB
fsr-3464	27	8	to	to	ADP
fsr-3464	27	9	optimal	optimal	ADJ
fsr-3464	27	10	liquidity	liquidity	NOUN
fsr-3464	27	11	.	.	PUNCT
fsr-3464	28	1	while	while	SCONJ
fsr-3464	28	2	prior	prior	ADJ
fsr-3464	28	3	research	research	NOUN
fsr-3464	28	4	associated	associate	VERB
fsr-3464	28	5	with	with	ADP
fsr-3464	28	6	financial	financial	ADJ
fsr-3464	28	7	literacy	literacy	NOUN
fsr-3464	28	8	have	have	AUX
fsr-3464	28	9	focused	focus	VERB
fsr-3464	28	10	on	on	ADP
fsr-3464	28	11	retirement	retirement	NOUN
fsr-3464	28	12	readiness	readiness	NOUN
fsr-3464	28	13	from	from	ADP
fsr-3464	28	14	a	a	DET
fsr-3464	28	15	wealth	wealth	NOUN
fsr-3464	28	16	perspective	perspective	NOUN
fsr-3464	28	17	,	,	PUNCT
fsr-3464	28	18	we	we	PRON
fsr-3464	28	19	offer	offer	VERB
fsr-3464	28	20	an	an	DET
fsr-3464	28	21	insight	insight	NOUN
fsr-3464	28	22	into	into	ADP
fsr-3464	28	23	household	household	NOUN
fsr-3464	28	24	liquidity	liquidity	NOUN
fsr-3464	28	25	and	and	CCONJ
fsr-3464	28	26	debt	debt	NOUN
fsr-3464	28	27	management	management	NOUN
fsr-3464	28	28	.	.	PUNCT
fsr-3464	29	1	thus	thus	ADV
fsr-3464	29	2	,	,	PUNCT
fsr-3464	29	3	we	we	PRON
fsr-3464	29	4	make	make	VERB
fsr-3464	29	5	a	a	DET
fsr-3464	29	6	notable	notable	ADJ
fsr-3464	29	7	contribution	contribution	NOUN
fsr-3464	29	8	to	to	ADP
fsr-3464	29	9	the	the	DET
fsr-3464	29	10	current	current	ADJ
fsr-3464	29	11	literature	literature	NOUN
fsr-3464	29	12	on	on	ADP
fsr-3464	29	13	financial	financial	ADJ
fsr-3464	29	14	literacy	literacy	NOUN
fsr-3464	29	15	.	.	PUNCT
fsr-3464	30	1	we	we	PRON
fsr-3464	30	2	created	create	VERB
fsr-3464	30	3	a	a	DET
fsr-3464	30	4	measure	measure	NOUN
fsr-3464	30	5	of	of	ADP
fsr-3464	30	6	financial	financial	ADJ
fsr-3464	30	7	literacy	literacy	NOUN
fsr-3464	30	8	and	and	CCONJ
fsr-3464	30	9	statistically	statistically	ADV
fsr-3464	30	10	linked	link	VERB
fsr-3464	30	11	the	the	DET
fsr-3464	30	12	lack	lack	NOUN
fsr-3464	30	13	of	of	ADP
fsr-3464	30	14	financial	financial	ADJ
fsr-3464	30	15	knowledge	knowledge	NOUN
fsr-3464	30	16	to	to	ADP
fsr-3464	30	17	increased	increase	VERB
fsr-3464	30	18	leakages	leakage	NOUN
fsr-3464	30	19	via	via	ADP
fsr-3464	30	20	retirement	retirement	NOUN
fsr-3464	30	21	plan	plan	NOUN
fsr-3464	30	22	loans	loan	NOUN
fsr-3464	30	23	,	,	PUNCT
fsr-3464	30	24	in	in	ADP
fsr-3464	30	25	addition	addition	NOUN
fsr-3464	30	26	to	to	ADP
fsr-3464	30	27	the	the	DET
fsr-3464	30	28	inappropriate	inappropriate	ADJ
fsr-3464	30	29	use	use	NOUN
fsr-3464	30	30	of	of	ADP
fsr-3464	30	31	nonconventional	nonconventional	ADJ
fsr-3464	30	32	borrowing	borrowing	NOUN
fsr-3464	30	33	.	.	PUNCT
fsr-3464	31	1	to	to	ADP
fsr-3464	31	2	our	our	PRON
fsr-3464	31	3	knowledge	knowledge	NOUN
fsr-3464	31	4	,	,	PUNCT
fsr-3464	31	5	this	this	PRON
fsr-3464	31	6	is	be	AUX
fsr-3464	31	7	the	the	DET
fsr-3464	31	8	first	first	ADJ
fsr-3464	31	9	study	study	NOUN
fsr-3464	31	10	to	to	PART
fsr-3464	31	11	explore	explore	VERB
fsr-3464	31	12	this	this	DET
fsr-3464	31	13	important	important	ADJ
fsr-3464	31	14	topic	topic	NOUN
fsr-3464	31	15	.	.	PUNCT
fsr-3464	32	1	the	the	DET
fsr-3464	32	2	remainder	remainder	NOUN
fsr-3464	32	3	of	of	ADP
fsr-3464	32	4	the	the	DET
fsr-3464	32	5	paper	paper	NOUN
fsr-3464	32	6	is	be	AUX
fsr-3464	32	7	organized	organize	VERB
fsr-3464	32	8	as	as	SCONJ
fsr-3464	32	9	follows	follow	VERB
fsr-3464	32	10	.	.	PUNCT
fsr-3464	33	1	we	we	PRON
fsr-3464	33	2	provide	provide	VERB
fsr-3464	33	3	a	a	DET
fsr-3464	33	4	review	review	NOUN
fsr-3464	33	5	of	of	ADP
fsr-3464	33	6	the	the	DET
fsr-3464	33	7	current	current	ADJ
fsr-3464	33	8	literature	literature	NOUN
fsr-3464	33	9	in	in	ADP
fsr-3464	33	10	section	section	NOUN
fsr-3464	33	11	2	2	NUM
fsr-3464	33	12	.	.	PUNCT
fsr-3464	34	1	in	in	ADP
fsr-3464	34	2	section	section	NOUN
fsr-3464	34	3	3	3	NUM
fsr-3464	34	4	,	,	PUNCT
fsr-3464	34	5	we	we	PRON
fsr-3464	34	6	present	present	VERB
fsr-3464	34	7	the	the	DET
fsr-3464	34	8	data	datum	NOUN
fsr-3464	34	9	and	and	CCONJ
fsr-3464	34	10	a	a	DET
fsr-3464	34	11	description	description	NOUN
fsr-3464	34	12	of	of	ADP
fsr-3464	34	13	how	how	SCONJ
fsr-3464	34	14	we	we	PRON
fsr-3464	34	15	derived	derive	VERB
fsr-3464	34	16	our	our	PRON
fsr-3464	34	17	final	final	ADJ
fsr-3464	34	18	sample	sample	NOUN
fsr-3464	34	19	.	.	PUNCT
fsr-3464	35	1	in	in	ADP
fsr-3464	35	2	section	section	NOUN
fsr-3464	35	3	4	4	NUM
fsr-3464	35	4	,	,	PUNCT
fsr-3464	35	5	we	we	PRON
fsr-3464	35	6	highlight	highlight	VERB
fsr-3464	35	7	the	the	DET
fsr-3464	35	8	univariate	univariate	ADJ
fsr-3464	35	9	analysis	analysis	NOUN
fsr-3464	35	10	of	of	ADP
fsr-3464	35	11	our	our	PRON
fsr-3464	35	12	final	final	ADJ
fsr-3464	35	13	sample	sample	NOUN
fsr-3464	35	14	.	.	PUNCT
fsr-3464	36	1	we	we	PRON
fsr-3464	36	2	then	then	ADV
fsr-3464	36	3	present	present	VERB
fsr-3464	36	4	our	our	PRON
fsr-3464	36	5	empirical	empirical	ADJ
fsr-3464	36	6	results	result	NOUN
fsr-3464	36	7	in	in	ADP
fsr-3464	36	8	section	section	NOUN
fsr-3464	36	9	5	5	NUM
fsr-3464	36	10	.	.	PUNCT
fsr-3464	37	1	in	in	ADP
fsr-3464	37	2	section	section	NOUN
fsr-3464	37	3	6	6	NUM
fsr-3464	37	4	,	,	PUNCT
fsr-3464	37	5	we	we	PRON
fsr-3464	37	6	discuss	discuss	VERB
fsr-3464	37	7	our	our	PRON
fsr-3464	37	8	main	main	ADJ
fsr-3464	37	9	findings	finding	NOUN
fsr-3464	37	10	and	and	CCONJ
fsr-3464	37	11	discuss	discuss	VERB
fsr-3464	37	12	our	our	PRON
fsr-3464	37	13	conclusions	conclusion	NOUN
fsr-3464	37	14	and	and	CCONJ
fsr-3464	37	15	policy	policy	NOUN
fsr-3464	37	16	implications	implication	NOUN
fsr-3464	37	17	.	.	PUNCT
fsr-3464	38	1	2	2	X
fsr-3464	38	2	.	.	X
fsr-3464	38	3	literature	literature	NOUN
fsr-3464	38	4	review	review	VERB
fsr-3464	38	5	the	the	DET
fsr-3464	38	6	life	life	NOUN
fsr-3464	38	7	-	-	PUNCT
fsr-3464	38	8	cycle	cycle	NOUN
fsr-3464	38	9	hypothesis	hypothesis	NOUN
fsr-3464	38	10	states	state	VERB
fsr-3464	38	11	that	that	SCONJ
fsr-3464	38	12	households	household	NOUN
fsr-3464	38	13	attempt	attempt	VERB
fsr-3464	38	14	to	to	PART
fsr-3464	38	15	maintain	maintain	VERB
fsr-3464	38	16	a	a	DET
fsr-3464	38	17	constant	constant	ADJ
fsr-3464	38	18	present	present	ADJ
fsr-3464	38	19	value	value	NOUN
fsr-3464	38	20	of	of	ADP
fsr-3464	38	21	marginal	marginal	ADJ
fsr-3464	38	22	utility	utility	NOUN
fsr-3464	38	23	of	of	ADP
fsr-3464	38	24	consumption	consumption	NOUN
fsr-3464	38	25	over	over	ADP
fsr-3464	38	26	time	time	NOUN
fsr-3464	38	27	to	to	PART
fsr-3464	38	28	maximize	maximize	VERB
fsr-3464	38	29	expected	expect	VERB
fsr-3464	38	30	lifetime	lifetime	NOUN
fsr-3464	38	31	utility	utility	NOUN
fsr-3464	38	32	294	294	NUM
fsr-3464	39	1	t.	t.	PROPN
fsr-3464	39	2	martin	martin	PROPN
fsr-3464	39	3	et	et	PROPN
fsr-3464	39	4	al	al	PROPN
fsr-3464	39	5	.	.	PUNCT
fsr-3464	39	6	/	/	SYM
fsr-3464	39	7	financial	financial	ADJ
fsr-3464	39	8	services	service	NOUN
fsr-3464	39	9	review	review	VERB
fsr-3464	39	10	29	29	NUM
fsr-3464	39	11	(	(	PUNCT
fsr-3464	39	12	2021	2021	NUM
fsr-3464	39	13	)	)	PUNCT
fsr-3464	40	1	293–314	293–314	NUM
fsr-3464	40	2	(	(	PUNCT
fsr-3464	40	3	modigliani	modigliani	PROPN
fsr-3464	40	4	&	&	CCONJ
fsr-3464	40	5	brumberg	brumberg	PROPN
fsr-3464	40	6	,	,	PUNCT
fsr-3464	40	7	1954	1954	NUM
fsr-3464	40	8	)	)	PUNCT
fsr-3464	40	9	.	.	PUNCT
fsr-3464	41	1	this	this	DET
fsr-3464	41	2	consumption	consumption	NOUN
fsr-3464	41	3	smoothing	smoothing	NOUN
fsr-3464	41	4	can	can	AUX
fsr-3464	41	5	be	be	AUX
fsr-3464	41	6	achieved	achieve	VERB
fsr-3464	41	7	by	by	ADP
fsr-3464	41	8	transferring	transfer	VERB
fsr-3464	41	9	money	money	NOUN
fsr-3464	41	10	from	from	ADP
fsr-3464	41	11	periods	period	NOUN
fsr-3464	41	12	where	where	SCONJ
fsr-3464	41	13	the	the	DET
fsr-3464	41	14	marginal	marginal	ADJ
fsr-3464	41	15	utility	utility	NOUN
fsr-3464	41	16	of	of	ADP
fsr-3464	41	17	consumption	consumption	NOUN
fsr-3464	41	18	is	be	AUX
fsr-3464	41	19	low	low	ADJ
fsr-3464	41	20	,	,	PUNCT
fsr-3464	41	21	to	to	ADP
fsr-3464	41	22	periods	period	NOUN
fsr-3464	41	23	where	where	SCONJ
fsr-3464	41	24	it	it	PRON
fsr-3464	41	25	is	be	AUX
fsr-3464	41	26	higher	high	ADJ
fsr-3464	41	27	(	(	PUNCT
fsr-3464	41	28	i.e.	i.e.	X
fsr-3464	41	29	,	,	PUNCT
fsr-3464	41	30	borrowing	borrowing	NOUN
fsr-3464	41	31	when	when	SCONJ
fsr-3464	41	32	earnings	earning	NOUN
fsr-3464	41	33	are	be	AUX
fsr-3464	41	34	low	low	ADJ
fsr-3464	41	35	—	—	PUNCT
fsr-3464	41	36	high	high	ADJ
fsr-3464	41	37	marginal	marginal	ADJ
fsr-3464	41	38	utility	utility	NOUN
fsr-3464	41	39	of	of	ADP
fsr-3464	41	40	consumption	consumption	NOUN
fsr-3464	41	41	,	,	PUNCT
fsr-3464	41	42	saving	save	VERB
fsr-3464	41	43	when	when	SCONJ
fsr-3464	41	44	earnings	earning	NOUN
fsr-3464	41	45	are	be	AUX
fsr-3464	41	46	high	high	ADJ
fsr-3464	41	47	—	—	PUNCT
fsr-3464	41	48	low	low	ADJ
fsr-3464	41	49	marginal	marginal	ADJ
fsr-3464	41	50	utility	utility	NOUN
fsr-3464	41	51	of	of	ADP
fsr-3464	41	52	consumption	consumption	NOUN
fsr-3464	41	53	,	,	PUNCT
fsr-3464	41	54	and	and	CCONJ
fsr-3464	41	55	dissaving	dissave	VERB
fsr-3464	41	56	in	in	ADP
fsr-3464	41	57	retirement	retirement	NOUN
fsr-3464	41	58	)	)	PUNCT
fsr-3464	41	59	.	.	PUNCT
fsr-3464	42	1	households	household	NOUN
fsr-3464	42	2	may	may	AUX
fsr-3464	42	3	need	need	VERB
fsr-3464	42	4	to	to	PART
fsr-3464	42	5	withdraw	withdraw	VERB
fsr-3464	42	6	funds	fund	NOUN
fsr-3464	42	7	from	from	ADP
fsr-3464	42	8	their	their	PRON
fsr-3464	42	9	retirement	retirement	NOUN
fsr-3464	42	10	account(s	account(s	PROPN
fsr-3464	42	11	)	)	PUNCT
fsr-3464	42	12	due	due	ADP
fsr-3464	42	13	to	to	ADP
fsr-3464	42	14	income	income	NOUN
fsr-3464	42	15	shocks	shock	NOUN
fsr-3464	42	16	or	or	CCONJ
fsr-3464	42	17	special	special	ADJ
fsr-3464	42	18	financial	financial	ADJ
fsr-3464	42	19	needs	need	NOUN
fsr-3464	42	20	such	such	ADJ
fsr-3464	42	21	as	as	ADP
fsr-3464	42	22	expenses	expense	NOUN
fsr-3464	42	23	associated	associate	VERB
fsr-3464	42	24	with	with	ADP
fsr-3464	42	25	housing	housing	NOUN
fsr-3464	42	26	,	,	PUNCT
fsr-3464	42	27	college	college	NOUN
fsr-3464	42	28	funding	funding	NOUN
fsr-3464	42	29	,	,	PUNCT
fsr-3464	42	30	a	a	DET
fsr-3464	42	31	medical	medical	ADJ
fsr-3464	42	32	crisis	crisis	NOUN
fsr-3464	42	33	,	,	PUNCT
fsr-3464	42	34	or	or	CCONJ
fsr-3464	42	35	meeting	meet	VERB
fsr-3464	42	36	household	household	NOUN
fsr-3464	42	37	needs	need	NOUN
fsr-3464	42	38	after	after	ADP
fsr-3464	42	39	a	a	DET
fsr-3464	42	40	job	job	NOUN
fsr-3464	42	41	loss	loss	NOUN
fsr-3464	42	42	or	or	CCONJ
fsr-3464	42	43	change	change	NOUN
fsr-3464	42	44	in	in	ADP
fsr-3464	42	45	occupation	occupation	NOUN
fsr-3464	42	46	(	(	PUNCT
fsr-3464	42	47	argento	argento	PROPN
fsr-3464	42	48	,	,	PUNCT
fsr-3464	42	49	bryant	bryant	PROPN
fsr-3464	42	50	,	,	PUNCT
fsr-3464	42	51	&	&	CCONJ
fsr-3464	42	52	sabelhaus	sabelhaus	PROPN
fsr-3464	42	53	,	,	PUNCT
fsr-3464	42	54	2015	2015	NUM
fsr-3464	42	55	;	;	PUNCT
fsr-3464	42	56	butrica	butrica	PROPN
fsr-3464	42	57	,	,	PUNCT
fsr-3464	42	58	zedlewski	zedlewski	NOUN
fsr-3464	42	59	,	,	PUNCT
fsr-3464	42	60	&	&	CCONJ
fsr-3464	42	61	issa	issa	ADJ
fsr-3464	42	62	,	,	PUNCT
fsr-3464	42	63	2010	2010	NUM
fsr-3464	42	64	;	;	PUNCT
fsr-3464	42	65	brady	brady	PROPN
fsr-3464	42	66	,	,	PUNCT
fsr-3464	42	67	2011	2011	NUM
fsr-3464	42	68	;	;	PUNCT
fsr-3464	42	69	copeland	copeland	PROPN
fsr-3464	42	70	,	,	PUNCT
fsr-3464	42	71	2009	2009	NUM
fsr-3464	42	72	)	)	PUNCT
fsr-3464	42	73	.	.	PUNCT
fsr-3464	43	1	an	an	DET
fsr-3464	43	2	extensive	extensive	ADJ
fsr-3464	43	3	review	review	NOUN
fsr-3464	43	4	of	of	ADP
fsr-3464	43	5	the	the	DET
fsr-3464	43	6	current	current	ADJ
fsr-3464	43	7	literature	literature	NOUN
fsr-3464	43	8	on	on	ADP
fsr-3464	43	9	financial	financial	ADJ
fsr-3464	43	10	literacy	literacy	NOUN
fsr-3464	43	11	and	and	CCONJ
fsr-3464	43	12	its	its	PRON
fsr-3464	43	13	impact	impact	NOUN
fsr-3464	43	14	on	on	ADP
fsr-3464	43	15	savings	saving	NOUN
fsr-3464	43	16	,	,	PUNCT
fsr-3464	43	17	investments	investment	NOUN
fsr-3464	43	18	,	,	PUNCT
fsr-3464	43	19	and	and	CCONJ
fsr-3464	43	20	debt	debt	NOUN
fsr-3464	43	21	management	management	NOUN
fsr-3464	43	22	reveals	reveal	VERB
fsr-3464	43	23	that	that	SCONJ
fsr-3464	43	24	many	many	ADJ
fsr-3464	43	25	individuals	individual	NOUN
fsr-3464	43	26	in	in	ADP
fsr-3464	43	27	the	the	DET
fsr-3464	43	28	united	united	PROPN
fsr-3464	43	29	states	states	PROPN
fsr-3464	43	30	and	and	CCONJ
fsr-3464	43	31	worldwide	worldwide	ADV
fsr-3464	43	32	are	be	AUX
fsr-3464	43	33	unfortunately	unfortunately	ADV
fsr-3464	43	34	financially	financially	ADV
fsr-3464	43	35	illiterate	illiterate	ADJ
fsr-3464	43	36	(	(	PUNCT
fsr-3464	43	37	lusardi	lusardi	PROPN
fsr-3464	43	38	&	&	CCONJ
fsr-3464	43	39	mitchell	mitchell	PROPN
fsr-3464	43	40	,	,	PUNCT
fsr-3464	43	41	2014	2014	NUM
fsr-3464	43	42	)	)	PUNCT
fsr-3464	43	43	.	.	PUNCT
fsr-3464	44	1	individuals	individual	NOUN
fsr-3464	44	2	need	need	VERB
fsr-3464	44	3	sufficient	sufficient	ADJ
fsr-3464	44	4	financial	financial	ADJ
fsr-3464	44	5	knowledge	knowledge	NOUN
fsr-3464	44	6	to	to	PART
fsr-3464	44	7	make	make	VERB
fsr-3464	44	8	informed	informed	ADJ
fsr-3464	44	9	decisions	decision	NOUN
fsr-3464	44	10	in	in	ADP
fsr-3464	44	11	the	the	DET
fsr-3464	44	12	present	present	NOUN
fsr-3464	44	13	to	to	PART
fsr-3464	44	14	maximize	maximize	VERB
fsr-3464	44	15	their	their	PRON
fsr-3464	44	16	chances	chance	NOUN
fsr-3464	44	17	for	for	ADP
fsr-3464	44	18	positive	positive	ADJ
fsr-3464	44	19	future	future	ADJ
fsr-3464	44	20	outcomes	outcome	NOUN
fsr-3464	44	21	;	;	PUNCT
fsr-3464	44	22	including	include	VERB
fsr-3464	44	23	the	the	DET
fsr-3464	44	24	ability	ability	NOUN
fsr-3464	44	25	to	to	PART
fsr-3464	44	26	recognize	recognize	VERB
fsr-3464	44	27	when	when	SCONJ
fsr-3464	44	28	they	they	PRON
fsr-3464	44	29	have	have	AUX
fsr-3464	44	30	made	make	VERB
fsr-3464	44	31	financial	financial	ADJ
fsr-3464	44	32	mistakes	mistake	NOUN
fsr-3464	44	33	.	.	PUNCT
fsr-3464	45	1	current	current	ADJ
fsr-3464	45	2	research	research	NOUN
fsr-3464	45	3	provides	provide	VERB
fsr-3464	45	4	ample	ample	ADJ
fsr-3464	45	5	evidence	evidence	NOUN
fsr-3464	45	6	that	that	SCONJ
fsr-3464	45	7	financial	financial	ADJ
fsr-3464	45	8	mistakes	mistake	NOUN
fsr-3464	45	9	are	be	AUX
fsr-3464	45	10	frequently	frequently	ADV
fsr-3464	45	11	made	make	VERB
fsr-3464	45	12	by	by	ADP
fsr-3464	45	13	individuals	individual	NOUN
fsr-3464	45	14	who	who	PRON
fsr-3464	45	15	exhibit	exhibit	VERB
fsr-3464	45	16	low	low	ADJ
fsr-3464	45	17	financial	financial	ADJ
fsr-3464	45	18	sophistication	sophistication	NOUN
fsr-3464	45	19	levels	level	NOUN
fsr-3464	45	20	.	.	PUNCT
fsr-3464	46	1	bernheim	bernheim	PROPN
fsr-3464	46	2	(	(	PUNCT
fsr-3464	46	3	1998	1998	NUM
fsr-3464	46	4	)	)	PUNCT
fsr-3464	46	5	demonstrated	demonstrate	VERB
fsr-3464	46	6	that	that	SCONJ
fsr-3464	46	7	financial	financial	ADJ
fsr-3464	46	8	literacy	literacy	NOUN
fsr-3464	46	9	had	have	VERB
fsr-3464	46	10	a	a	DET
fsr-3464	46	11	positive	positive	ADJ
fsr-3464	46	12	impact	impact	NOUN
fsr-3464	46	13	on	on	ADP
fsr-3464	46	14	retirement	retirement	NOUN
fsr-3464	46	15	wealth	wealth	NOUN
fsr-3464	46	16	accumulation	accumulation	NOUN
fsr-3464	46	17	.	.	PUNCT
fsr-3464	47	1	lusardi	lusardi	PROPN
fsr-3464	47	2	and	and	CCONJ
fsr-3464	47	3	mitchell	mitchell	PROPN
fsr-3464	47	4	(	(	PUNCT
fsr-3464	47	5	2007	2007	NUM
fsr-3464	47	6	)	)	PUNCT
fsr-3464	47	7	indicated	indicate	VERB
fsr-3464	47	8	that	that	SCONJ
fsr-3464	47	9	individuals	individual	NOUN
fsr-3464	47	10	with	with	ADP
fsr-3464	47	11	low	low	ADJ
fsr-3464	47	12	financial	financial	ADJ
fsr-3464	47	13	sophistication	sophistication	NOUN
fsr-3464	47	14	levels	level	NOUN
fsr-3464	47	15	are	be	AUX
fsr-3464	47	16	less	less	ADV
fsr-3464	47	17	likely	likely	ADJ
fsr-3464	47	18	to	to	PART
fsr-3464	47	19	think	think	VERB
fsr-3464	47	20	about	about	ADP
fsr-3464	47	21	retirement	retirement	NOUN
fsr-3464	47	22	.	.	PUNCT
fsr-3464	48	1	according	accord	VERB
fsr-3464	48	2	to	to	ADP
fsr-3464	48	3	van	van	PROPN
fsr-3464	48	4	rooij	rooij	NOUN
fsr-3464	48	5	,	,	PUNCT
fsr-3464	48	6	lusardi	lusardi	NOUN
fsr-3464	48	7	,	,	PUNCT
fsr-3464	48	8	and	and	CCONJ
fsr-3464	48	9	alessie	alessie	ADJ
fsr-3464	48	10	(	(	PUNCT
fsr-3464	48	11	2007	2007	NUM
fsr-3464	48	12	)	)	PUNCT
fsr-3464	48	13	,	,	PUNCT
fsr-3464	48	14	individuals	individual	NOUN
fsr-3464	48	15	with	with	ADP
fsr-3464	48	16	low	low	ADJ
fsr-3464	48	17	financial	financial	ADJ
fsr-3464	48	18	literacy	literacy	NOUN
fsr-3464	48	19	levels	level	NOUN
fsr-3464	48	20	are	be	AUX
fsr-3464	48	21	less	less	ADV
fsr-3464	48	22	likely	likely	ADJ
fsr-3464	48	23	to	to	PART
fsr-3464	48	24	participate	participate	VERB
fsr-3464	48	25	in	in	ADP
fsr-3464	48	26	the	the	DET
fsr-3464	48	27	stock	stock	NOUN
fsr-3464	48	28	market	market	NOUN
fsr-3464	48	29	.	.	PUNCT
fsr-3464	49	1	hastings	hastings	PROPN
fsr-3464	49	2	and	and	CCONJ
fsr-3464	49	3	tejeda	tejeda	PROPN
fsr-3464	49	4	-	-	PUNCT
fsr-3464	49	5	ashton	ashton	PROPN
fsr-3464	49	6	(	(	PUNCT
fsr-3464	49	7	2008	2008	NUM
fsr-3464	49	8	)	)	PUNCT
fsr-3464	49	9	found	find	VERB
fsr-3464	49	10	that	that	SCONJ
fsr-3464	49	11	individuals	individual	NOUN
fsr-3464	49	12	with	with	ADP
fsr-3464	49	13	low	low	ADJ
fsr-3464	49	14	financial	financial	ADJ
fsr-3464	49	15	sophistication	sophistication	NOUN
fsr-3464	49	16	levels	level	NOUN
fsr-3464	49	17	are	be	AUX
fsr-3464	49	18	more	more	ADV
fsr-3464	49	19	likely	likely	ADJ
fsr-3464	49	20	to	to	PART
fsr-3464	49	21	invest	invest	VERB
fsr-3464	49	22	in	in	ADP
fsr-3464	49	23	mutual	mutual	ADJ
fsr-3464	49	24	funds	fund	NOUN
fsr-3464	49	25	with	with	ADP
fsr-3464	49	26	high	high	ADJ
fsr-3464	49	27	fees	fee	NOUN
fsr-3464	49	28	.	.	PUNCT
fsr-3464	50	1	it	it	PRON
fsr-3464	50	2	appears	appear	VERB
fsr-3464	50	3	that	that	SCONJ
fsr-3464	50	4	american	american	ADJ
fsr-3464	50	5	consumers	consumer	NOUN
fsr-3464	50	6	,	,	PUNCT
fsr-3464	50	7	on	on	ADP
fsr-3464	50	8	average	average	ADJ
fsr-3464	50	9	,	,	PUNCT
fsr-3464	50	10	are	be	AUX
fsr-3464	50	11	not	not	PART
fsr-3464	50	12	using	use	VERB
fsr-3464	50	13	credit	credit	NOUN
fsr-3464	50	14	optimally	optimally	ADV
fsr-3464	50	15	.	.	PUNCT
fsr-3464	51	1	lusardi	lusardi	PROPN
fsr-3464	51	2	and	and	CCONJ
fsr-3464	51	3	tufano	tufano	ADJ
fsr-3464	51	4	(	(	PUNCT
fsr-3464	51	5	2015	2015	NUM
fsr-3464	51	6	)	)	PUNCT
fsr-3464	51	7	indicated	indicate	VERB
fsr-3464	51	8	that	that	SCONJ
fsr-3464	51	9	individuals	individual	NOUN
fsr-3464	51	10	with	with	ADP
fsr-3464	51	11	low	low	ADJ
fsr-3464	51	12	financial	financial	ADJ
fsr-3464	51	13	knowledge	knowledge	NOUN
fsr-3464	51	14	levels	level	NOUN
fsr-3464	51	15	are	be	AUX
fsr-3464	51	16	more	more	ADV
fsr-3464	51	17	likely	likely	ADJ
fsr-3464	51	18	to	to	PART
fsr-3464	51	19	struggle	struggle	VERB
fsr-3464	51	20	with	with	ADP
fsr-3464	51	21	debt	debt	NOUN
fsr-3464	51	22	management	management	NOUN
fsr-3464	51	23	,	,	PUNCT
fsr-3464	51	24	incurring	incur	VERB
fsr-3464	51	25	higher	high	ADJ
fsr-3464	51	26	fees	fee	NOUN
fsr-3464	51	27	,	,	PUNCT
fsr-3464	51	28	and	and	CCONJ
fsr-3464	51	29	using	use	VERB
fsr-3464	51	30	high	high	ADJ
fsr-3464	51	31	-	-	PUNCT
fsr-3464	51	32	cost	cost	NOUN
fsr-3464	51	33	lenders	lender	NOUN
fsr-3464	51	34	.	.	PUNCT
fsr-3464	52	1	credit	credit	NOUN
fsr-3464	52	2	card	card	NOUN
fsr-3464	52	3	debt	debt	NOUN
fsr-3464	52	4	revolvers	revolver	NOUN
fsr-3464	52	5	often	often	ADV
fsr-3464	52	6	hold	hold	VERB
fsr-3464	52	7	credit	credit	NOUN
fsr-3464	52	8	card	card	NOUN
fsr-3464	52	9	debt	debt	NOUN
fsr-3464	52	10	while	while	SCONJ
fsr-3464	52	11	simultaneously	simultaneously	ADV
fsr-3464	52	12	holding	hold	VERB
fsr-3464	52	13	low	low	ADJ
fsr-3464	52	14	-	-	PUNCT
fsr-3464	52	15	interest	interest	NOUN
fsr-3464	52	16	liquid	liquid	ADJ
fsr-3464	52	17	assets	asset	NOUN
fsr-3464	52	18	and	and	CCONJ
fsr-3464	52	19	retirement	retirement	NOUN
fsr-3464	52	20	assets	asset	NOUN
fsr-3464	52	21	.	.	PUNCT
fsr-3464	53	1	this	this	PRON
fsr-3464	53	2	is	be	AUX
fsr-3464	53	3	a	a	DET
fsr-3464	53	4	clear	clear	ADJ
fsr-3464	53	5	example	example	NOUN
fsr-3464	53	6	of	of	ADP
fsr-3464	53	7	mental	mental	ADJ
fsr-3464	53	8	accounting	accounting	NOUN
fsr-3464	53	9	and	and	CCONJ
fsr-3464	53	10	suboptimal	suboptimal	ADJ
fsr-3464	53	11	credit	credit	NOUN
fsr-3464	53	12	use	use	NOUN
fsr-3464	53	13	,	,	PUNCT
fsr-3464	53	14	a	a	DET
fsr-3464	53	15	behavioral	behavioral	ADJ
fsr-3464	53	16	combination	combination	NOUN
fsr-3464	53	17	that	that	PRON
fsr-3464	53	18	conflicts	conflict	NOUN
fsr-3464	53	19	with	with	ADP
fsr-3464	53	20	utility	utility	NOUN
fsr-3464	53	21	maximization	maximization	NOUN
fsr-3464	53	22	(	(	PUNCT
fsr-3464	53	23	bertaut	bertaut	PROPN
fsr-3464	53	24	&	&	CCONJ
fsr-3464	53	25	haliassos	haliassos	PROPN
fsr-3464	53	26	,	,	PUNCT
fsr-3464	53	27	2006	2006	NUM
fsr-3464	53	28	)	)	PUNCT
fsr-3464	53	29	.	.	PUNCT
fsr-3464	54	1	disney	disney	NOUN
fsr-3464	54	2	and	and	CCONJ
fsr-3464	54	3	gathergood	gathergood	PROPN
fsr-3464	54	4	(	(	PUNCT
fsr-3464	54	5	2012	2012	NUM
fsr-3464	54	6	)	)	PUNCT
fsr-3464	54	7	used	use	VERB
fsr-3464	54	8	united	united	PROPN
fsr-3464	54	9	kingdom	kingdom	PROPN
fsr-3464	54	10	household	household	NOUN
fsr-3464	54	11	data	datum	NOUN
fsr-3464	54	12	to	to	PART
fsr-3464	54	13	show	show	VERB
fsr-3464	54	14	that	that	SCONJ
fsr-3464	54	15	consumer	consumer	NOUN
fsr-3464	54	16	credit	credit	NOUN
fsr-3464	54	17	customers	customer	NOUN
fsr-3464	54	18	underestimate	underestimate	VERB
fsr-3464	54	19	borrowing	borrowing	NOUN
fsr-3464	54	20	costs	cost	NOUN
fsr-3464	54	21	.	.	PUNCT
fsr-3464	55	1	the	the	DET
fsr-3464	55	2	authors	author	NOUN
fsr-3464	55	3	also	also	ADV
fsr-3464	55	4	revealed	reveal	VERB
fsr-3464	55	5	that	that	SCONJ
fsr-3464	55	6	individuals	individual	NOUN
fsr-3464	55	7	who	who	PRON
fsr-3464	55	8	borrow	borrow	VERB
fsr-3464	55	9	on	on	ADP
fsr-3464	55	10	consumer	consumer	NOUN
fsr-3464	55	11	credit	credit	NOUN
fsr-3464	55	12	tend	tend	VERB
fsr-3464	55	13	to	to	PART
fsr-3464	55	14	exhibit	exhibit	VERB
fsr-3464	55	15	lower	low	ADJ
fsr-3464	55	16	financial	financial	ADJ
fsr-3464	55	17	literacy	literacy	NOUN
fsr-3464	55	18	.	.	PUNCT
fsr-3464	56	1	campbell	campbell	PROPN
fsr-3464	56	2	(	(	PUNCT
fsr-3464	56	3	2006	2006	NUM
fsr-3464	56	4	)	)	PUNCT
fsr-3464	56	5	highlighted	highlight	VERB
fsr-3464	56	6	a	a	DET
fsr-3464	56	7	lower	low	ADJ
fsr-3464	56	8	likelihood	likelihood	NOUN
fsr-3464	56	9	of	of	ADP
fsr-3464	56	10	refinancing	refinance	VERB
fsr-3464	56	11	mortgages	mortgage	NOUN
fsr-3464	56	12	during	during	ADP
fsr-3464	56	13	low	low	ADJ
fsr-3464	56	14	-	-	PUNCT
fsr-3464	56	15	interest	interest	NOUN
fsr-3464	56	16	-	-	PUNCT
fsr-3464	56	17	rate	rate	NOUN
fsr-3464	56	18	periods	period	NOUN
fsr-3464	56	19	among	among	ADP
fsr-3464	56	20	less	less	ADV
fsr-3464	56	21	educated	educate	VERB
fsr-3464	56	22	and	and	CCONJ
fsr-3464	56	23	lower	low	ADJ
fsr-3464	56	24	-	-	PUNCT
fsr-3464	56	25	income	income	NOUN
fsr-3464	56	26	individuals	individual	NOUN
fsr-3464	56	27	.	.	PUNCT
fsr-3464	57	1	gerardi	gerardi	NOUN
fsr-3464	57	2	,	,	PUNCT
fsr-3464	57	3	goette	goette	NOUN
fsr-3464	57	4	,	,	PUNCT
fsr-3464	57	5	and	and	CCONJ
fsr-3464	57	6	meier	meier	PROPN
fsr-3464	57	7	(	(	PUNCT
fsr-3464	57	8	2013	2013	NUM
fsr-3464	57	9	)	)	PUNCT
fsr-3464	57	10	provided	provide	VERB
fsr-3464	57	11	evidence	evidence	NOUN
fsr-3464	57	12	of	of	ADP
fsr-3464	57	13	a	a	DET
fsr-3464	57	14	positive	positive	ADJ
fsr-3464	57	15	relation	relation	NOUN
fsr-3464	57	16	between	between	ADP
fsr-3464	57	17	low	low	ADJ
fsr-3464	57	18	financial	financial	ADJ
fsr-3464	57	19	literacy	literacy	NOUN
fsr-3464	57	20	and	and	CCONJ
fsr-3464	57	21	subprime	subprime	ADJ
fsr-3464	57	22	mortgage	mortgage	NOUN
fsr-3464	57	23	adoption	adoption	NOUN
fsr-3464	57	24	,	,	PUNCT
fsr-3464	57	25	as	as	ADV
fsr-3464	57	26	well	well	ADV
fsr-3464	57	27	as	as	ADP
fsr-3464	57	28	mortgage	mortgage	NOUN
fsr-3464	57	29	default	default	NOUN
fsr-3464	57	30	.	.	PUNCT
fsr-3464	58	1	agarwal	agarwal	PROPN
fsr-3464	58	2	,	,	PUNCT
fsr-3464	58	3	skiba	skiba	PROPN
fsr-3464	58	4	,	,	PUNCT
fsr-3464	58	5	and	and	CCONJ
fsr-3464	58	6	tobacman	tobacman	NOUN
fsr-3464	58	7	(	(	PUNCT
fsr-3464	58	8	2009	2009	NUM
fsr-3464	58	9	)	)	PUNCT
fsr-3464	58	10	examined	examine	VERB
fsr-3464	58	11	a	a	DET
fsr-3464	58	12	group	group	NOUN
fsr-3464	58	13	of	of	ADP
fsr-3464	58	14	payday	payday	NOUN
fsr-3464	58	15	loan	loan	NOUN
fsr-3464	58	16	and	and	CCONJ
fsr-3464	58	17	credit	credit	NOUN
fsr-3464	58	18	card	card	NOUN
fsr-3464	58	19	users	user	NOUN
fsr-3464	58	20	.	.	PUNCT
fsr-3464	59	1	the	the	DET
fsr-3464	59	2	authors	author	NOUN
fsr-3464	59	3	found	find	VERB
fsr-3464	59	4	that	that	SCONJ
fsr-3464	59	5	even	even	ADV
fsr-3464	59	6	in	in	ADP
fsr-3464	59	7	the	the	DET
fsr-3464	59	8	presence	presence	NOUN
fsr-3464	59	9	of	of	ADP
fsr-3464	59	10	a	a	DET
fsr-3464	59	11	more	more	ADV
fsr-3464	59	12	cost	cost	NOUN
fsr-3464	59	13	-	-	PUNCT
fsr-3464	59	14	effective	effective	ADJ
fsr-3464	59	15	liquidity	liquidity	NOUN
fsr-3464	59	16	option	option	NOUN
fsr-3464	59	17	(	(	PUNCT
fsr-3464	59	18	a	a	DET
fsr-3464	59	19	credit	credit	NOUN
fsr-3464	59	20	card	card	NOUN
fsr-3464	59	21	)	)	PUNCT
fsr-3464	59	22	,	,	PUNCT
fsr-3464	59	23	66	66	NUM
fsr-3464	59	24	%	%	NOUN
fsr-3464	59	25	of	of	ADP
fsr-3464	59	26	their	their	PRON
fsr-3464	59	27	sample	sample	NOUN
fsr-3464	59	28	still	still	ADV
fsr-3464	59	29	took	take	VERB
fsr-3464	59	30	out	out	ADP
fsr-3464	59	31	a	a	DET
fsr-3464	59	32	payday	payday	NOUN
fsr-3464	59	33	loan	loan	NOUN
fsr-3464	59	34	.	.	PUNCT
fsr-3464	60	1	tang	tang	PROPN
fsr-3464	60	2	and	and	CCONJ
fsr-3464	60	3	lu	lu	PROPN
fsr-3464	60	4	(	(	PUNCT
fsr-3464	60	5	2014	2014	NUM
fsr-3464	60	6	)	)	PUNCT
fsr-3464	60	7	used	use	VERB
fsr-3464	60	8	the	the	DET
fsr-3464	60	9	nfcs	nfc	NOUN
fsr-3464	60	10	as	as	ADV
fsr-3464	60	11	well	well	ADV
fsr-3464	60	12	as	as	ADP
fsr-3464	60	13	hypothetical	hypothetical	ADJ
fsr-3464	60	14	debt	debt	NOUN
fsr-3464	60	15	scenarios	scenario	NOUN
fsr-3464	60	16	to	to	PART
fsr-3464	60	17	compare	compare	VERB
fsr-3464	60	18	loan	loan	NOUN
fsr-3464	60	19	costs	cost	NOUN
fsr-3464	60	20	in	in	ADP
fsr-3464	60	21	funding	fund	VERB
fsr-3464	60	22	consumption	consumption	NOUN
fsr-3464	60	23	.	.	PUNCT
fsr-3464	61	1	they	they	PRON
fsr-3464	61	2	found	find	VERB
fsr-3464	61	3	that	that	SCONJ
fsr-3464	61	4	households	household	NOUN
fsr-3464	61	5	were	be	AUX
fsr-3464	61	6	able	able	ADJ
fsr-3464	61	7	to	to	PART
fsr-3464	61	8	save	save	VERB
fsr-3464	61	9	up	up	ADP
fsr-3464	61	10	to	to	PART
fsr-3464	61	11	130	130	NUM
fsr-3464	61	12	%	%	NOUN
fsr-3464	61	13	by	by	ADP
fsr-3464	61	14	switching	switch	VERB
fsr-3464	61	15	from	from	ADP
fsr-3464	61	16	high	high	ADJ
fsr-3464	61	17	-	-	PUNCT
fsr-3464	61	18	cost	cost	NOUN
fsr-3464	61	19	lenders	lender	NOUN
fsr-3464	61	20	such	such	ADJ
fsr-3464	61	21	as	as	ADP
fsr-3464	61	22	payday	payday	NOUN
fsr-3464	61	23	loan	loan	NOUN
fsr-3464	61	24	companies	company	NOUN
fsr-3464	61	25	to	to	ADP
fsr-3464	61	26	401(k	401(k	PROPN
fsr-3464	61	27	)	)	PUNCT
fsr-3464	61	28	plan	plan	NOUN
fsr-3464	61	29	loans	loan	NOUN
fsr-3464	61	30	.	.	PUNCT
fsr-3464	62	1	tang	tang	PROPN
fsr-3464	62	2	and	and	CCONJ
fsr-3464	62	3	lu	lu	PROPN
fsr-3464	62	4	(	(	PUNCT
fsr-3464	62	5	2014	2014	NUM
fsr-3464	62	6	)	)	PUNCT
fsr-3464	62	7	concluded	conclude	VERB
fsr-3464	62	8	that	that	SCONJ
fsr-3464	62	9	consumers	consumer	NOUN
fsr-3464	62	10	view	view	VERB
fsr-3464	62	11	401(k	401(k	NOUN
fsr-3464	62	12	)	)	PUNCT
fsr-3464	62	13	plan	plan	NOUN
fsr-3464	62	14	loans	loan	NOUN
fsr-3464	62	15	as	as	ADP
fsr-3464	62	16	a	a	DET
fsr-3464	62	17	last	last	ADJ
fsr-3464	62	18	resort	resort	NOUN
fsr-3464	62	19	when	when	SCONJ
fsr-3464	62	20	their	their	PRON
fsr-3464	62	21	liquidity	liquidity	NOUN
fsr-3464	62	22	is	be	AUX
fsr-3464	62	23	constrained	constrain	VERB
fsr-3464	62	24	.	.	PUNCT
fsr-3464	63	1	since	since	SCONJ
fsr-3464	63	2	loans	loan	NOUN
fsr-3464	63	3	from	from	ADP
fsr-3464	63	4	retirement	retirement	NOUN
fsr-3464	63	5	plans	plan	NOUN
fsr-3464	63	6	carry	carry	VERB
fsr-3464	63	7	lower	low	ADJ
fsr-3464	63	8	interest	interest	NOUN
fsr-3464	63	9	rates	rate	NOUN
fsr-3464	63	10	than	than	ADP
fsr-3464	63	11	traditional	traditional	ADJ
fsr-3464	63	12	sources	source	NOUN
fsr-3464	63	13	of	of	ADP
fsr-3464	63	14	t.	t.	PROPN
fsr-3464	63	15	martin	martin	PROPN
fsr-3464	63	16	et	et	PROPN
fsr-3464	63	17	al	al	PROPN
fsr-3464	63	18	.	.	PUNCT
fsr-3464	63	19	/	/	SYM
fsr-3464	63	20	financial	financial	ADJ
fsr-3464	63	21	services	service	NOUN
fsr-3464	63	22	review	review	VERB
fsr-3464	63	23	29	29	NUM
fsr-3464	63	24	(	(	PUNCT
fsr-3464	63	25	2021	2021	NUM
fsr-3464	63	26	)	)	PUNCT
fsr-3464	63	27	293–314	293–314	NUM
fsr-3464	63	28	295	295	NUM
fsr-3464	63	29	consumer	consumer	NOUN
fsr-3464	63	30	loans	loan	NOUN
fsr-3464	63	31	,	,	PUNCT
fsr-3464	63	32	plan	plan	NOUN
fsr-3464	63	33	loans	loan	NOUN
fsr-3464	63	34	may	may	AUX
fsr-3464	63	35	be	be	AUX
fsr-3464	63	36	a	a	DET
fsr-3464	63	37	more	more	ADV
fsr-3464	63	38	optimal	optimal	ADJ
fsr-3464	63	39	choice	choice	NOUN
fsr-3464	63	40	(	(	PUNCT
fsr-3464	63	41	tang	tang	PROPN
fsr-3464	63	42	&	&	CCONJ
fsr-3464	63	43	lu	lu	PROPN
fsr-3464	63	44	,	,	PUNCT
fsr-3464	63	45	2014	2014	NUM
fsr-3464	63	46	;	;	PUNCT
fsr-3464	63	47	utkus	utkus	NOUN
fsr-3464	63	48	&	&	CCONJ
fsr-3464	63	49	young	young	ADJ
fsr-3464	63	50	,	,	PUNCT
fsr-3464	63	51	2011	2011	NUM
fsr-3464	63	52	)	)	PUNCT
fsr-3464	63	53	.	.	PUNCT
fsr-3464	64	1	also	also	ADV
fsr-3464	64	2	,	,	PUNCT
fsr-3464	64	3	using	use	VERB
fsr-3464	64	4	the	the	DET
fsr-3464	64	5	nfcs	nfc	NOUN
fsr-3464	64	6	,	,	PUNCT
fsr-3464	64	7	lusardi	lusardi	NOUN
fsr-3464	64	8	and	and	CCONJ
fsr-3464	64	9	scheresberg	scheresberg	ADV
fsr-3464	64	10	(	(	PUNCT
fsr-3464	64	11	2013	2013	NUM
fsr-3464	64	12	)	)	PUNCT
fsr-3464	64	13	examined	examine	VERB
fsr-3464	64	14	high	high	ADJ
fsr-3464	64	15	-	-	PUNCT
fsr-3464	64	16	cost	cost	NOUN
fsr-3464	64	17	borrowing	borrowing	NOUN
fsr-3464	64	18	methods	method	NOUN
fsr-3464	64	19	and	and	CCONJ
fsr-3464	64	20	concluded	conclude	VERB
fsr-3464	64	21	that	that	SCONJ
fsr-3464	64	22	more	more	ADV
fsr-3464	64	23	financially	financially	ADV
fsr-3464	64	24	literate	literate	ADJ
fsr-3464	64	25	individuals	individual	NOUN
fsr-3464	64	26	are	be	AUX
fsr-3464	64	27	less	less	ADV
fsr-3464	64	28	likely	likely	ADJ
fsr-3464	64	29	to	to	PART
fsr-3464	64	30	have	have	AUX
fsr-3464	64	31	engaged	engage	VERB
fsr-3464	64	32	in	in	ADP
fsr-3464	64	33	high	high	ADJ
fsr-3464	64	34	-	-	PUNCT
fsr-3464	64	35	cost	cost	NOUN
fsr-3464	64	36	borrowing	borrowing	NOUN
fsr-3464	64	37	.	.	PUNCT
fsr-3464	65	1	the	the	DET
fsr-3464	65	2	authors	author	NOUN
fsr-3464	65	3	of	of	ADP
fsr-3464	65	4	that	that	DET
fsr-3464	65	5	paper	paper	NOUN
fsr-3464	65	6	argue	argue	VERB
fsr-3464	65	7	that	that	SCONJ
fsr-3464	65	8	(	(	PUNCT
fsr-3464	65	9	lack	lack	NOUN
fsr-3464	65	10	of	of	ADP
fsr-3464	65	11	)	)	PUNCT
fsr-3464	65	12	financial	financial	ADJ
fsr-3464	65	13	literacy	literacy	NOUN
fsr-3464	65	14	plays	play	VERB
fsr-3464	65	15	an	an	DET
fsr-3464	65	16	important	important	ADJ
fsr-3464	65	17	role	role	NOUN
fsr-3464	65	18	in	in	ADP
fsr-3464	65	19	explaining	explain	VERB
fsr-3464	65	20	why	why	SCONJ
fsr-3464	65	21	individuals	individual	NOUN
fsr-3464	65	22	have	have	AUX
fsr-3464	65	23	used	use	VERB
fsr-3464	65	24	high	high	ADJ
fsr-3464	65	25	-	-	PUNCT
fsr-3464	65	26	cost	cost	NOUN
fsr-3464	65	27	lenders	lender	NOUN
fsr-3464	65	28	such	such	ADJ
fsr-3464	65	29	as	as	ADP
fsr-3464	65	30	payday	payday	NOUN
fsr-3464	65	31	loans	loan	NOUN
fsr-3464	65	32	.	.	PUNCT
fsr-3464	66	1	tang	tang	PROPN
fsr-3464	66	2	and	and	CCONJ
fsr-3464	66	3	lu	lu	PROPN
fsr-3464	66	4	(	(	PUNCT
fsr-3464	66	5	2014	2014	NUM
fsr-3464	66	6	)	)	PUNCT
fsr-3464	66	7	showed	show	VERB
fsr-3464	66	8	the	the	DET
fsr-3464	66	9	impact	impact	NOUN
fsr-3464	66	10	of	of	ADP
fsr-3464	66	11	optimal	optimal	ADJ
fsr-3464	66	12	use	use	NOUN
fsr-3464	66	13	of	of	ADP
fsr-3464	66	14	401(k	401(k	NOUN
fsr-3464	66	15	)	)	PUNCT
fsr-3464	66	16	plan	plan	NOUN
fsr-3464	66	17	loans	loan	NOUN
fsr-3464	66	18	on	on	ADP
fsr-3464	66	19	household	household	NOUN
fsr-3464	66	20	balance	balance	NOUN
fsr-3464	66	21	sheets	sheet	NOUN
fsr-3464	66	22	,	,	PUNCT
fsr-3464	66	23	but	but	CCONJ
fsr-3464	66	24	failed	fail	VERB
fsr-3464	66	25	to	to	PART
fsr-3464	66	26	consider	consider	VERB
fsr-3464	66	27	the	the	DET
fsr-3464	66	28	role	role	NOUN
fsr-3464	66	29	of	of	ADP
fsr-3464	66	30	financial	financial	ADJ
fsr-3464	66	31	literacy	literacy	NOUN
fsr-3464	66	32	in	in	ADP
fsr-3464	66	33	explaining	explain	VERB
fsr-3464	66	34	why	why	SCONJ
fsr-3464	66	35	respondents	respondent	NOUN
fsr-3464	66	36	were	be	AUX
fsr-3464	66	37	not	not	PART
fsr-3464	66	38	utilizing	utilize	VERB
fsr-3464	66	39	401(k	401(k	NOUN
fsr-3464	66	40	)	)	PUNCT
fsr-3464	66	41	plans	plan	NOUN
fsr-3464	66	42	in	in	ADP
fsr-3464	66	43	periods	period	NOUN
fsr-3464	66	44	of	of	ADP
fsr-3464	66	45	high	high	ADJ
fsr-3464	66	46	marginal	marginal	ADJ
fsr-3464	66	47	utility	utility	NOUN
fsr-3464	66	48	(	(	PUNCT
fsr-3464	66	49	high	high	ADJ
fsr-3464	66	50	need	need	NOUN
fsr-3464	66	51	)	)	PUNCT
fsr-3464	66	52	and	and	CCONJ
fsr-3464	66	53	low	low	ADJ
fsr-3464	66	54	liquidity	liquidity	NOUN
fsr-3464	66	55	.	.	PUNCT
fsr-3464	67	1	lusardi	lusardi	NOUN
fsr-3464	67	2	and	and	CCONJ
fsr-3464	67	3	scheresberg	scheresberg	ADV
fsr-3464	67	4	(	(	PUNCT
fsr-3464	67	5	2013	2013	NUM
fsr-3464	67	6	)	)	PUNCT
fsr-3464	67	7	made	make	VERB
fsr-3464	67	8	a	a	DET
fsr-3464	67	9	powerful	powerful	ADJ
fsr-3464	67	10	argument	argument	NOUN
fsr-3464	67	11	showing	show	VERB
fsr-3464	67	12	a	a	DET
fsr-3464	67	13	negative	negative	ADJ
fsr-3464	67	14	relation	relation	NOUN
fsr-3464	67	15	between	between	ADP
fsr-3464	67	16	financial	financial	ADJ
fsr-3464	67	17	literacy	literacy	NOUN
fsr-3464	67	18	and	and	CCONJ
fsr-3464	67	19	high	high	ADJ
fsr-3464	67	20	-	-	PUNCT
fsr-3464	67	21	cost	cost	NOUN
fsr-3464	67	22	borrowing	borrowing	NOUN
fsr-3464	67	23	,	,	PUNCT
fsr-3464	67	24	but	but	CCONJ
fsr-3464	67	25	did	do	AUX
fsr-3464	67	26	not	not	PART
fsr-3464	67	27	consider	consider	VERB
fsr-3464	67	28	a	a	DET
fsr-3464	67	29	comparison	comparison	NOUN
fsr-3464	67	30	with	with	ADP
fsr-3464	67	31	low	low	ADJ
fsr-3464	67	32	-	-	PUNCT
fsr-3464	67	33	cost	cost	NOUN
fsr-3464	67	34	borrowing	borrowing	NOUN
fsr-3464	67	35	.	.	PUNCT
fsr-3464	68	1	we	we	PRON
fsr-3464	68	2	contribute	contribute	VERB
fsr-3464	68	3	to	to	ADP
fsr-3464	68	4	the	the	DET
fsr-3464	68	5	literature	literature	NOUN
fsr-3464	68	6	by	by	ADP
fsr-3464	68	7	investigating	investigate	VERB
fsr-3464	68	8	financial	financial	ADJ
fsr-3464	68	9	literacy	literacy	NOUN
fsr-3464	68	10	and	and	CCONJ
fsr-3464	68	11	optimal	optimal	ADJ
fsr-3464	68	12	borrowing	borrowing	NOUN
fsr-3464	68	13	choices	choice	NOUN
fsr-3464	68	14	.	.	PUNCT
fsr-3464	69	1	3	3	X
fsr-3464	69	2	.	.	X
fsr-3464	69	3	data	datum	NOUN
fsr-3464	69	4	we	we	PRON
fsr-3464	69	5	use	use	VERB
fsr-3464	69	6	the	the	DET
fsr-3464	69	7	2015	2015	NUM
fsr-3464	69	8	nfcs	nfc	NOUN
fsr-3464	69	9	state	state	NOUN
fsr-3464	69	10	by	by	ADP
fsr-3464	69	11	state	state	NOUN
fsr-3464	69	12	tracking	tracking	NOUN
fsr-3464	69	13	dataset	dataset	NOUN
fsr-3464	69	14	.	.	PUNCT
fsr-3464	70	1	the	the	DET
fsr-3464	70	2	nfcs	nfcs	PROPN
fsr-3464	70	3	was	be	AUX
fsr-3464	70	4	commissioned	commission	VERB
fsr-3464	70	5	and	and	CCONJ
fsr-3464	70	6	funded	fund	VERB
fsr-3464	70	7	by	by	ADP
fsr-3464	70	8	the	the	DET
fsr-3464	70	9	investor	investor	NOUN
fsr-3464	70	10	education	education	NOUN
fsr-3464	70	11	foundation	foundation	NOUN
fsr-3464	70	12	of	of	ADP
fsr-3464	70	13	the	the	DET
fsr-3464	70	14	financial	financial	ADJ
fsr-3464	70	15	industry	industry	NOUN
fsr-3464	70	16	regulatory	regulatory	ADJ
fsr-3464	70	17	authority	authority	NOUN
fsr-3464	70	18	(	(	PUNCT
fsr-3464	70	19	finra	finra	NOUN
fsr-3464	70	20	,	,	PUNCT
fsr-3464	70	21	2009	2009	NUM
fsr-3464	70	22	)	)	PUNCT
fsr-3464	70	23	.	.	PUNCT
fsr-3464	71	1	the	the	DET
fsr-3464	71	2	research	research	NOUN
fsr-3464	71	3	objectives	objective	NOUN
fsr-3464	71	4	of	of	ADP
fsr-3464	71	5	the	the	DET
fsr-3464	71	6	nfcs	nfc	NOUN
fsr-3464	71	7	were	be	AUX
fsr-3464	71	8	to	to	PART
fsr-3464	71	9	benchmark	benchmark	VERB
fsr-3464	71	10	key	key	ADJ
fsr-3464	71	11	indicators	indicator	NOUN
fsr-3464	71	12	of	of	ADP
fsr-3464	71	13	financial	financial	ADJ
fsr-3464	71	14	capacity	capacity	NOUN
fsr-3464	71	15	and	and	CCONJ
fsr-3464	71	16	evaluate	evaluate	VERB
fsr-3464	71	17	how	how	SCONJ
fsr-3464	71	18	these	these	DET
fsr-3464	71	19	indicators	indicator	NOUN
fsr-3464	71	20	vary	vary	VERB
fsr-3464	71	21	with	with	ADP
fsr-3464	71	22	underlying	underlie	VERB
fsr-3464	71	23	demographic	demographic	ADJ
fsr-3464	71	24	,	,	PUNCT
fsr-3464	71	25	behavioral	behavioral	ADJ
fsr-3464	71	26	,	,	PUNCT
fsr-3464	71	27	attitudinal	attitudinal	ADJ
fsr-3464	71	28	,	,	PUNCT
fsr-3464	71	29	and	and	CCONJ
fsr-3464	71	30	financial	financial	ADJ
fsr-3464	71	31	literacy	literacy	NOUN
fsr-3464	71	32	characteristics	characteristic	NOUN
fsr-3464	71	33	.	.	PUNCT
fsr-3464	72	1	consistent	consistent	ADJ
fsr-3464	72	2	with	with	ADP
fsr-3464	72	3	surveys	survey	NOUN
fsr-3464	72	4	on	on	ADP
fsr-3464	72	5	financial	financial	ADJ
fsr-3464	72	6	capability	capability	NOUN
fsr-3464	72	7	that	that	PRON
fsr-3464	72	8	have	have	AUX
fsr-3464	72	9	been	be	AUX
fsr-3464	72	10	done	do	VERB
fsr-3464	72	11	in	in	ADP
fsr-3464	72	12	other	other	ADJ
fsr-3464	72	13	countries	country	NOUN
fsr-3464	72	14	(	(	PUNCT
fsr-3464	72	15	atkinson	atkinson	PROPN
fsr-3464	72	16	,	,	PUNCT
fsr-3464	72	17	mckay	mckay	PROPN
fsr-3464	72	18	,	,	PUNCT
fsr-3464	72	19	kempson	kempson	PROPN
fsr-3464	72	20	,	,	PUNCT
fsr-3464	72	21	&	&	CCONJ
fsr-3464	72	22	collard	collard	NOUN
fsr-3464	72	23	,	,	PUNCT
fsr-3464	72	24	2007	2007	NUM
fsr-3464	72	25	)	)	PUNCT
fsr-3464	72	26	,	,	PUNCT
fsr-3464	72	27	the	the	DET
fsr-3464	72	28	nfcs	nfcs	NOUN
fsr-3464	72	29	looks	look	VERB
fsr-3464	72	30	at	at	ADP
fsr-3464	72	31	multiple	multiple	ADJ
fsr-3464	72	32	indicators	indicator	NOUN
fsr-3464	72	33	of	of	ADP
fsr-3464	72	34	both	both	CCONJ
fsr-3464	72	35	financial	financial	ADJ
fsr-3464	72	36	knowledge	knowledge	NOUN
fsr-3464	72	37	and	and	CCONJ
fsr-3464	72	38	capacity	capacity	NOUN
fsr-3464	72	39	,	,	PUNCT
fsr-3464	72	40	including	include	VERB
fsr-3464	72	41	how	how	SCONJ
fsr-3464	72	42	individuals	individual	NOUN
fsr-3464	72	43	manage	manage	VERB
fsr-3464	72	44	their	their	PRON
fsr-3464	72	45	resources	resource	NOUN
fsr-3464	72	46	,	,	PUNCT
fsr-3464	72	47	how	how	SCONJ
fsr-3464	72	48	they	they	PRON
fsr-3464	72	49	make	make	VERB
fsr-3464	72	50	financial	financial	ADJ
fsr-3464	72	51	decisions	decision	NOUN
fsr-3464	72	52	,	,	PUNCT
fsr-3464	72	53	the	the	DET
fsr-3464	72	54	skill	skill	NOUN
fsr-3464	72	55	sets	set	VERB
fsr-3464	72	56	they	they	PRON
fsr-3464	72	57	use	use	VERB
fsr-3464	72	58	in	in	ADP
fsr-3464	72	59	making	make	VERB
fsr-3464	72	60	decisions	decision	NOUN
fsr-3464	72	61	and	and	CCONJ
fsr-3464	72	62	the	the	DET
fsr-3464	72	63	search	search	NOUN
fsr-3464	72	64	-	-	PUNCT
fsr-3464	72	65	and	and	CCONJ
fsr-3464	72	66	-	-	PUNCT
fsr-3464	72	67	information	information	NOUN
fsr-3464	72	68	elaboration	elaboration	NOUN
fsr-3464	72	69	that	that	PRON
fsr-3464	72	70	goes	go	VERB
fsr-3464	72	71	into	into	ADP
fsr-3464	72	72	making	make	VERB
fsr-3464	72	73	these	these	DET
fsr-3464	72	74	decisions	decision	NOUN
fsr-3464	72	75	.	.	PUNCT
fsr-3464	73	1	the	the	DET
fsr-3464	73	2	2015	2015	NUM
fsr-3464	73	3	state	state	NOUN
fsr-3464	73	4	by	by	ADP
fsr-3464	73	5	state	state	NOUN
fsr-3464	73	6	tracking	track	VERB
fsr-3464	73	7	dataset	dataset	ADJ
fsr-3464	73	8	pools	pool	NOUN
fsr-3464	73	9	2009	2009	NUM
fsr-3464	73	10	,	,	PUNCT
fsr-3464	73	11	2012	2012	NUM
fsr-3464	73	12	,	,	PUNCT
fsr-3464	73	13	and	and	CCONJ
fsr-3464	73	14	2015	2015	NUM
fsr-3464	73	15	nfcs	nfc	NOUN
fsr-3464	73	16	state	state	NOUN
fsr-3464	73	17	-	-	PUNCT
fsr-3464	73	18	bystate	bystate	NOUN
fsr-3464	73	19	surveys	survey	NOUN
fsr-3464	73	20	.	.	PUNCT
fsr-3464	74	1	for	for	ADP
fsr-3464	74	2	this	this	DET
fsr-3464	74	3	paper	paper	NOUN
fsr-3464	74	4	,	,	PUNCT
fsr-3464	74	5	we	we	PRON
fsr-3464	74	6	only	only	ADV
fsr-3464	74	7	use	use	VERB
fsr-3464	74	8	the	the	DET
fsr-3464	74	9	2012	2012	NUM
fsr-3464	74	10	and	and	CCONJ
fsr-3464	74	11	2015	2015	NUM
fsr-3464	74	12	pooled	pool	VERB
fsr-3464	74	13	cross	cross	NOUN
fsr-3464	74	14	-	-	NOUN
fsr-3464	74	15	sections	section	NOUN
fsr-3464	74	16	.	.	PUNCT
fsr-3464	75	1	the	the	DET
fsr-3464	75	2	new	new	ADJ
fsr-3464	75	3	state	state	NOUN
fsr-3464	75	4	-	-	PUNCT
fsr-3464	75	5	by	by	ADP
fsr-3464	75	6	-	-	PUNCT
fsr-3464	75	7	state	state	NOUN
fsr-3464	75	8	tracking	tracking	NOUN
fsr-3464	75	9	dataset	dataset	NOUN
fsr-3464	75	10	provides	provide	VERB
fsr-3464	75	11	some	some	DET
fsr-3464	75	12	benefits	benefit	NOUN
fsr-3464	75	13	not	not	PART
fsr-3464	75	14	derived	derive	VERB
fsr-3464	75	15	in	in	ADP
fsr-3464	75	16	a	a	DET
fsr-3464	75	17	single	single	ADJ
fsr-3464	75	18	-	-	PUNCT
fsr-3464	75	19	period	period	NOUN
fsr-3464	75	20	crosssection	crosssection	NOUN
fsr-3464	75	21	.	.	PUNCT
fsr-3464	76	1	the	the	DET
fsr-3464	76	2	observations	observation	NOUN
fsr-3464	76	3	are	be	AUX
fsr-3464	76	4	random	random	ADJ
fsr-3464	76	5	and	and	CCONJ
fsr-3464	76	6	independent	independent	ADJ
fsr-3464	76	7	of	of	ADP
fsr-3464	76	8	each	each	DET
fsr-3464	76	9	other	other	ADJ
fsr-3464	76	10	at	at	ADP
fsr-3464	76	11	different	different	ADJ
fsr-3464	76	12	points	point	NOUN
fsr-3464	76	13	in	in	ADP
fsr-3464	76	14	time	time	NOUN
fsr-3464	76	15	.	.	PUNCT
fsr-3464	77	1	consequently	consequently	ADV
fsr-3464	77	2	,	,	PUNCT
fsr-3464	77	3	serial	serial	ADJ
fsr-3464	77	4	correlation	correlation	NOUN
fsr-3464	77	5	of	of	ADP
fsr-3464	77	6	residuals	residual	NOUN
fsr-3464	77	7	should	should	AUX
fsr-3464	77	8	not	not	PART
fsr-3464	77	9	be	be	AUX
fsr-3464	77	10	an	an	DET
fsr-3464	77	11	issue	issue	NOUN
fsr-3464	77	12	in	in	ADP
fsr-3464	77	13	the	the	DET
fsr-3464	77	14	regression	regression	NOUN
fsr-3464	77	15	analysis	analysis	NOUN
fsr-3464	77	16	.	.	PUNCT
fsr-3464	78	1	combining	combine	VERB
fsr-3464	78	2	both	both	DET
fsr-3464	78	3	waves	wave	NOUN
fsr-3464	78	4	of	of	ADP
fsr-3464	78	5	data	datum	NOUN
fsr-3464	78	6	results	result	NOUN
fsr-3464	78	7	in	in	ADP
fsr-3464	78	8	a	a	DET
fsr-3464	78	9	sample	sample	NOUN
fsr-3464	78	10	size	size	NOUN
fsr-3464	78	11	of	of	ADP
fsr-3464	78	12	53,703	53,703	NUM
fsr-3464	78	13	respondents	respondent	NOUN
fsr-3464	78	14	.	.	PUNCT
fsr-3464	79	1	to	to	PART
fsr-3464	79	2	ensure	ensure	VERB
fsr-3464	79	3	a	a	DET
fsr-3464	79	4	sufficient	sufficient	ADJ
fsr-3464	79	5	number	number	NOUN
fsr-3464	79	6	of	of	ADP
fsr-3464	79	7	respondents	respondent	NOUN
fsr-3464	79	8	for	for	ADP
fsr-3464	79	9	the	the	DET
fsr-3464	79	10	analysis	analysis	NOUN
fsr-3464	79	11	,	,	PUNCT
fsr-3464	79	12	african	african	ADJ
fsr-3464	79	13	americans	americans	PROPN
fsr-3464	79	14	,	,	PUNCT
fsr-3464	79	15	hispanics	hispanic	NOUN
fsr-3464	79	16	,	,	PUNCT
fsr-3464	79	17	asian	asian	ADJ
fsr-3464	79	18	americans	americans	PROPN
fsr-3464	79	19	,	,	PUNCT
fsr-3464	79	20	and	and	CCONJ
fsr-3464	79	21	adults	adult	NOUN
fsr-3464	79	22	with	with	ADP
fsr-3464	79	23	less	less	ADJ
fsr-3464	79	24	than	than	ADP
fsr-3464	79	25	a	a	DET
fsr-3464	79	26	high	high	ADJ
fsr-3464	79	27	school	school	NOUN
fsr-3464	79	28	education	education	NOUN
fsr-3464	79	29	are	be	AUX
fsr-3464	79	30	oversampled	oversample	VERB
fsr-3464	79	31	.	.	PUNCT
fsr-3464	80	1	3.1	3.1	NUM
fsr-3464	80	2	.	.	PUNCT
fsr-3464	80	3	sample	sample	NOUN
fsr-3464	80	4	to	to	PART
fsr-3464	80	5	ensure	ensure	VERB
fsr-3464	80	6	the	the	DET
fsr-3464	80	7	internal	internal	ADJ
fsr-3464	80	8	validity	validity	NOUN
fsr-3464	80	9	of	of	ADP
fsr-3464	80	10	our	our	PRON
fsr-3464	80	11	results	result	NOUN
fsr-3464	80	12	,	,	PUNCT
fsr-3464	80	13	we	we	PRON
fsr-3464	80	14	restricted	restrict	VERB
fsr-3464	80	15	our	our	PRON
fsr-3464	80	16	sample	sample	NOUN
fsr-3464	80	17	to	to	ADP
fsr-3464	80	18	respondents	respondent	NOUN
fsr-3464	80	19	who	who	PRON
fsr-3464	80	20	reported	report	VERB
fsr-3464	80	21	having	have	VERB
fsr-3464	80	22	a	a	DET
fsr-3464	80	23	retirement	retirement	NOUN
fsr-3464	80	24	plan	plan	NOUN
fsr-3464	80	25	through	through	ADP
fsr-3464	80	26	their	their	PRON
fsr-3464	80	27	current	current	ADJ
fsr-3464	80	28	or	or	CCONJ
fsr-3464	80	29	previous	previous	ADJ
fsr-3464	80	30	employer	employer	NOUN
fsr-3464	80	31	,	,	PUNCT
fsr-3464	80	32	and	and	CCONJ
fsr-3464	80	33	were	be	AUX
fsr-3464	80	34	able	able	ADJ
fsr-3464	80	35	to	to	PART
fsr-3464	80	36	choose	choose	VERB
fsr-3464	80	37	the	the	DET
fsr-3464	80	38	asset	asset	NOUN
fsr-3464	80	39	allocation	allocation	NOUN
fsr-3464	80	40	of	of	ADP
fsr-3464	80	41	their	their	PRON
fsr-3464	80	42	retirement	retirement	NOUN
fsr-3464	80	43	accounts	account	NOUN
fsr-3464	80	44	.	.	PUNCT
fsr-3464	81	1	we	we	PRON
fsr-3464	81	2	also	also	ADV
fsr-3464	81	3	included	include	VERB
fsr-3464	81	4	respondents	respondent	NOUN
fsr-3464	81	5	who	who	PRON
fsr-3464	81	6	reported	report	VERB
fsr-3464	81	7	having	have	VERB
fsr-3464	81	8	non	non	ADJ
fsr-3464	81	9	-	-	ADJ
fsr-3464	81	10	employer	employer	ADJ
fsr-3464	81	11	sponsored	sponsor	VERB
fsr-3464	81	12	plans	plan	NOUN
fsr-3464	81	13	such	such	ADJ
fsr-3464	81	14	as	as	ADP
fsr-3464	81	15	iras	ira	NOUN
fsr-3464	81	16	.	.	PUNCT
fsr-3464	82	1	to	to	PART
fsr-3464	82	2	identify	identify	VERB
fsr-3464	82	3	respondents	respondent	NOUN
fsr-3464	82	4	who	who	PRON
fsr-3464	82	5	are	be	AUX
fsr-3464	82	6	in	in	ADP
fsr-3464	82	7	the	the	DET
fsr-3464	82	8	accumulation	accumulation	NOUN
fsr-3464	82	9	stage	stage	NOUN
fsr-3464	82	10	of	of	ADP
fsr-3464	82	11	their	their	PRON
fsr-3464	82	12	life	life	NOUN
fsr-3464	82	13	cycle	cycle	NOUN
fsr-3464	82	14	,	,	PUNCT
fsr-3464	82	15	we	we	PRON
fsr-3464	82	16	further	far	ADV
fsr-3464	82	17	restricted	restrict	VERB
fsr-3464	82	18	our	our	PRON
fsr-3464	82	19	attention	attention	NOUN
fsr-3464	82	20	to	to	ADP
fsr-3464	82	21	296	296	NUM
fsr-3464	82	22	t.	t.	PROPN
fsr-3464	82	23	martin	martin	PROPN
fsr-3464	82	24	et	et	PROPN
fsr-3464	82	25	al	al	PROPN
fsr-3464	82	26	.	.	PUNCT
fsr-3464	82	27	/	/	SYM
fsr-3464	82	28	financial	financial	ADJ
fsr-3464	82	29	services	service	NOUN
fsr-3464	82	30	review	review	VERB
fsr-3464	82	31	29	29	NUM
fsr-3464	82	32	(	(	PUNCT
fsr-3464	82	33	2021	2021	NUM
fsr-3464	82	34	)	)	PUNCT
fsr-3464	82	35	293–314	293–314	NUM
fsr-3464	82	36	respondents	respondent	NOUN
fsr-3464	82	37	who	who	PRON
fsr-3464	82	38	have	have	VERB
fsr-3464	82	39	a	a	DET
fsr-3464	82	40	full	full	ADJ
fsr-3464	82	41	-	-	PUNCT
fsr-3464	82	42	time	time	NOUN
fsr-3464	82	43	job	job	NOUN
fsr-3464	82	44	or	or	CCONJ
fsr-3464	82	45	are	be	AUX
fsr-3464	82	46	self	self	NOUN
fsr-3464	82	47	-	-	PUNCT
fsr-3464	82	48	employed	employ	VERB
fsr-3464	82	49	between	between	ADP
fsr-3464	82	50	the	the	DET
fsr-3464	82	51	ages	age	NOUN
fsr-3464	82	52	of	of	ADP
fsr-3464	82	53	25	25	NUM
fsr-3464	82	54	-	-	SYM
fsr-3464	82	55	54	54	NUM
fsr-3464	82	56	.	.	PUNCT
fsr-3464	83	1	this	this	PRON
fsr-3464	83	2	resulted	result	VERB
fsr-3464	83	3	in	in	ADP
fsr-3464	83	4	a	a	DET
fsr-3464	83	5	final	final	ADJ
fsr-3464	83	6	sample	sample	NOUN
fsr-3464	83	7	of	of	ADP
fsr-3464	83	8	10,560	10,560	NUM
fsr-3464	83	9	respondents	respondent	NOUN
fsr-3464	83	10	.	.	PUNCT
fsr-3464	84	1	3.2	3.2	NUM
fsr-3464	84	2	.	.	PUNCT
fsr-3464	84	3	measuring	measure	VERB
fsr-3464	84	4	financial	financial	ADJ
fsr-3464	84	5	literacy	literacy	NOUN
fsr-3464	84	6	our	our	PRON
fsr-3464	84	7	primary	primary	ADJ
fsr-3464	84	8	predictor	predictor	NOUN
fsr-3464	84	9	variable	variable	NOUN
fsr-3464	84	10	is	be	AUX
fsr-3464	84	11	financial	financial	ADJ
fsr-3464	84	12	literacy	literacy	NOUN
fsr-3464	84	13	.	.	PUNCT
fsr-3464	85	1	respondents	respondent	NOUN
fsr-3464	85	2	who	who	PRON
fsr-3464	85	3	participated	participate	VERB
fsr-3464	85	4	in	in	ADP
fsr-3464	85	5	the	the	DET
fsr-3464	85	6	2012	2012	NUM
fsr-3464	85	7	and	and	CCONJ
fsr-3464	85	8	2015	2015	NUM
fsr-3464	85	9	nfcs	nfc	NOUN
fsr-3464	85	10	were	be	AUX
fsr-3464	85	11	asked	ask	VERB
fsr-3464	85	12	five	five	NUM
fsr-3464	85	13	financial	financial	ADJ
fsr-3464	85	14	literacy	literacy	NOUN
fsr-3464	85	15	questions	question	NOUN
fsr-3464	85	16	.	.	PUNCT
fsr-3464	86	1	for	for	ADP
fsr-3464	86	2	the	the	DET
fsr-3464	86	3	purposes	purpose	NOUN
fsr-3464	86	4	of	of	ADP
fsr-3464	86	5	the	the	DET
fsr-3464	86	6	study	study	NOUN
fsr-3464	86	7	,	,	PUNCT
fsr-3464	86	8	we	we	PRON
fsr-3464	86	9	use	use	VERB
fsr-3464	86	10	the	the	DET
fsr-3464	86	11	three	three	NUM
fsr-3464	86	12	most	most	ADV
fsr-3464	86	13	likely	likely	ADJ
fsr-3464	86	14	to	to	PART
fsr-3464	86	15	be	be	AUX
fsr-3464	86	16	related	relate	VERB
fsr-3464	86	17	to	to	ADP
fsr-3464	86	18	our	our	PRON
fsr-3464	86	19	research	research	NOUN
fsr-3464	86	20	.	.	PUNCT
fsr-3464	87	1	the	the	DET
fsr-3464	87	2	questions	question	NOUN
fsr-3464	87	3	as	as	SCONJ
fsr-3464	87	4	stated	state	VERB
fsr-3464	87	5	in	in	ADP
fsr-3464	87	6	the	the	DET
fsr-3464	87	7	survey	survey	NOUN
fsr-3464	87	8	include	include	VERB
fsr-3464	87	9	:	:	PUNCT
fsr-3464	87	10	1	1	X
fsr-3464	87	11	.	.	X
fsr-3464	87	12	suppose	suppose	VERB
fsr-3464	87	13	you	you	PRON
fsr-3464	87	14	had	have	VERB
fsr-3464	87	15	$	$	SYM
fsr-3464	87	16	100	100	NUM
fsr-3464	87	17	in	in	ADP
fsr-3464	87	18	a	a	DET
fsr-3464	87	19	savings	saving	NOUN
fsr-3464	87	20	account	account	NOUN
fsr-3464	87	21	and	and	CCONJ
fsr-3464	87	22	the	the	DET
fsr-3464	87	23	interest	interest	NOUN
fsr-3464	87	24	rate	rate	NOUN
fsr-3464	87	25	was	be	AUX
fsr-3464	87	26	2	2	NUM
fsr-3464	87	27	%	%	NOUN
fsr-3464	87	28	per	per	ADP
fsr-3464	87	29	year	year	NOUN
fsr-3464	87	30	.	.	PUNCT
fsr-3464	88	1	after	after	ADP
fsr-3464	88	2	five	five	NUM
fsr-3464	88	3	years	year	NOUN
fsr-3464	88	4	,	,	PUNCT
fsr-3464	88	5	how	how	SCONJ
fsr-3464	88	6	much	much	ADJ
fsr-3464	88	7	do	do	AUX
fsr-3464	88	8	you	you	PRON
fsr-3464	88	9	think	think	VERB
fsr-3464	88	10	you	you	PRON
fsr-3464	88	11	would	would	AUX
fsr-3464	88	12	have	have	VERB
fsr-3464	88	13	in	in	ADP
fsr-3464	88	14	the	the	DET
fsr-3464	88	15	account	account	NOUN
fsr-3464	88	16	if	if	SCONJ
fsr-3464	88	17	you	you	PRON
fsr-3464	88	18	left	leave	VERB
fsr-3464	88	19	the	the	DET
fsr-3464	88	20	money	money	NOUN
fsr-3464	88	21	to	to	PART
fsr-3464	88	22	grow	grow	VERB
fsr-3464	88	23	?	?	PUNCT
fsr-3464	89	1	2	2	X
fsr-3464	89	2	.	.	X
fsr-3464	89	3	imagine	imagine	VERB
fsr-3464	89	4	that	that	SCONJ
fsr-3464	89	5	the	the	DET
fsr-3464	89	6	interest	interest	NOUN
fsr-3464	89	7	rate	rate	NOUN
fsr-3464	89	8	on	on	ADP
fsr-3464	89	9	your	your	PRON
fsr-3464	89	10	savings	saving	NOUN
fsr-3464	89	11	account	account	NOUN
fsr-3464	89	12	was	be	AUX
fsr-3464	89	13	1	1	NUM
fsr-3464	89	14	%	%	NOUN
fsr-3464	89	15	per	per	ADP
fsr-3464	89	16	year	year	NOUN
fsr-3464	89	17	and	and	CCONJ
fsr-3464	89	18	inflation	inflation	NOUN
fsr-3464	89	19	was	be	AUX
fsr-3464	89	20	2	2	NUM
fsr-3464	89	21	%	%	NOUN
fsr-3464	89	22	per	per	ADP
fsr-3464	89	23	year	year	NOUN
fsr-3464	89	24	.	.	PUNCT
fsr-3464	90	1	after	after	ADP
fsr-3464	90	2	one	one	NUM
fsr-3464	90	3	year	year	NOUN
fsr-3464	90	4	,	,	PUNCT
fsr-3464	90	5	how	how	SCONJ
fsr-3464	90	6	much	much	ADJ
fsr-3464	90	7	would	would	AUX
fsr-3464	90	8	you	you	PRON
fsr-3464	90	9	be	be	AUX
fsr-3464	90	10	able	able	ADJ
fsr-3464	90	11	to	to	PART
fsr-3464	90	12	buy	buy	VERB
fsr-3464	90	13	with	with	ADP
fsr-3464	90	14	the	the	DET
fsr-3464	90	15	money	money	NOUN
fsr-3464	90	16	in	in	ADP
fsr-3464	90	17	this	this	DET
fsr-3464	90	18	account	account	NOUN
fsr-3464	90	19	?	?	PUNCT
fsr-3464	91	1	3	3	X
fsr-3464	91	2	.	.	X
fsr-3464	91	3	buying	buy	VERB
fsr-3464	91	4	a	a	DET
fsr-3464	91	5	single	single	ADJ
fsr-3464	91	6	company	company	NOUN
fsr-3464	91	7	’s	’s	PART
fsr-3464	91	8	stock	stock	NOUN
fsr-3464	91	9	usually	usually	ADV
fsr-3464	91	10	provides	provide	VERB
fsr-3464	91	11	a	a	DET
fsr-3464	91	12	safer	safe	ADJ
fsr-3464	91	13	return	return	NOUN
fsr-3464	91	14	than	than	ADP
fsr-3464	91	15	a	a	DET
fsr-3464	91	16	stock	stock	NOUN
fsr-3464	91	17	mutual	mutual	ADJ
fsr-3464	91	18	fund	fund	NOUN
fsr-3464	91	19	.	.	PUNCT
fsr-3464	92	1	the	the	DET
fsr-3464	92	2	first	first	ADJ
fsr-3464	92	3	two	two	NUM
fsr-3464	92	4	questions	question	NOUN
fsr-3464	92	5	were	be	AUX
fsr-3464	92	6	initially	initially	ADV
fsr-3464	92	7	introduced	introduce	VERB
fsr-3464	92	8	in	in	ADP
fsr-3464	92	9	the	the	DET
fsr-3464	92	10	2004	2004	NUM
fsr-3464	92	11	health	health	NOUN
fsr-3464	92	12	and	and	CCONJ
fsr-3464	92	13	retirement	retirement	NOUN
fsr-3464	92	14	study	study	NOUN
fsr-3464	92	15	by	by	ADP
fsr-3464	92	16	lusardi	lusardi	PROPN
fsr-3464	92	17	and	and	CCONJ
fsr-3464	92	18	mitchell	mitchell	PROPN
fsr-3464	92	19	(	(	PUNCT
fsr-3464	92	20	2011	2011	NUM
fsr-3464	92	21	)	)	PUNCT
fsr-3464	92	22	.	.	PUNCT
fsr-3464	93	1	subsequently	subsequently	ADV
fsr-3464	93	2	,	,	PUNCT
fsr-3464	93	3	van	van	PROPN
fsr-3464	93	4	rooij	rooij	NOUN
fsr-3464	93	5	,	,	PUNCT
fsr-3464	93	6	lusardi	lusardi	NOUN
fsr-3464	93	7	,	,	PUNCT
fsr-3464	93	8	and	and	CCONJ
fsr-3464	93	9	alessie	alessie	ADJ
fsr-3464	93	10	(	(	PUNCT
fsr-3464	93	11	2011	2011	NUM
fsr-3464	93	12	)	)	PUNCT
fsr-3464	93	13	presented	present	VERB
fsr-3464	93	14	the	the	DET
fsr-3464	93	15	question	question	NOUN
fsr-3464	93	16	on	on	ADP
fsr-3464	93	17	bond	bond	NOUN
fsr-3464	93	18	pricing	pricing	NOUN
fsr-3464	93	19	for	for	ADP
fsr-3464	93	20	a	a	DET
fsr-3464	93	21	study	study	NOUN
fsr-3464	93	22	carried	carry	VERB
fsr-3464	93	23	out	out	ADP
fsr-3464	93	24	by	by	ADP
fsr-3464	93	25	the	the	DET
fsr-3464	93	26	dutch	dutch	PROPN
fsr-3464	93	27	central	central	PROPN
fsr-3464	93	28	bank	bank	PROPN
fsr-3464	93	29	household	household	NOUN
fsr-3464	93	30	survey	survey	NOUN
fsr-3464	93	31	.	.	PUNCT
fsr-3464	94	1	in	in	ADP
fsr-3464	94	2	prior	prior	ADJ
fsr-3464	94	3	studies	study	NOUN
fsr-3464	94	4	,	,	PUNCT
fsr-3464	94	5	researchers	researcher	NOUN
fsr-3464	94	6	have	have	AUX
fsr-3464	94	7	used	use	VERB
fsr-3464	94	8	the	the	DET
fsr-3464	94	9	answers	answer	NOUN
fsr-3464	94	10	to	to	ADP
fsr-3464	94	11	some	some	PRON
fsr-3464	94	12	or	or	CCONJ
fsr-3464	94	13	all	all	PRON
fsr-3464	94	14	of	of	ADP
fsr-3464	94	15	these	these	DET
fsr-3464	94	16	questions	question	NOUN
fsr-3464	94	17	as	as	ADP
fsr-3464	94	18	proxies	proxy	NOUN
fsr-3464	94	19	for	for	ADP
fsr-3464	94	20	financial	financial	ADJ
fsr-3464	94	21	sophistication	sophistication	NOUN
fsr-3464	94	22	(	(	PUNCT
fsr-3464	94	23	huston	huston	PROPN
fsr-3464	94	24	et	et	PROPN
fsr-3464	94	25	al	al	PROPN
fsr-3464	94	26	.	.	PROPN
fsr-3464	94	27	,	,	PUNCT
fsr-3464	94	28	2012	2012	NUM
fsr-3464	94	29	)	)	PUNCT
fsr-3464	94	30	by	by	ADP
fsr-3464	94	31	producing	produce	VERB
fsr-3464	94	32	indices	index	NOUN
fsr-3464	94	33	or	or	CCONJ
fsr-3464	94	34	other	other	ADJ
fsr-3464	94	35	linear	linear	ADJ
fsr-3464	94	36	combinations	combination	NOUN
fsr-3464	94	37	(	(	PUNCT
fsr-3464	94	38	allgood	allgood	PROPN
fsr-3464	94	39	&	&	CCONJ
fsr-3464	94	40	walstad	walstad	PROPN
fsr-3464	94	41	,	,	PUNCT
fsr-3464	94	42	2013	2013	NUM
fsr-3464	94	43	)	)	PUNCT
fsr-3464	94	44	.	.	PUNCT
fsr-3464	95	1	lusardi	lusardi	PROPN
fsr-3464	95	2	and	and	CCONJ
fsr-3464	95	3	scheresberg	scheresberg	ADV
fsr-3464	95	4	(	(	PUNCT
fsr-3464	95	5	2013	2013	NUM
fsr-3464	95	6	)	)	PUNCT
fsr-3464	95	7	use	use	VERB
fsr-3464	95	8	these	these	DET
fsr-3464	95	9	same	same	ADJ
fsr-3464	95	10	questions	question	NOUN
fsr-3464	95	11	to	to	PART
fsr-3464	95	12	construct	construct	VERB
fsr-3464	95	13	their	their	PRON
fsr-3464	95	14	proxy	proxy	NOUN
fsr-3464	95	15	for	for	ADP
fsr-3464	95	16	financial	financial	ADJ
fsr-3464	95	17	literacy	literacy	NOUN
fsr-3464	95	18	.	.	PUNCT
fsr-3464	96	1	3.3	3.3	NUM
fsr-3464	96	2	.	.	PUNCT
fsr-3464	97	1	other	other	ADJ
fsr-3464	97	2	key	key	ADJ
fsr-3464	97	3	variables	variable	NOUN
fsr-3464	97	4	3.3.1	3.3.1	NUM
fsr-3464	97	5	.	.	PUNCT
fsr-3464	97	6	retirement	retirement	NOUN
fsr-3464	97	7	plan	plan	PROPN
fsr-3464	97	8	loan	loan	NOUN
fsr-3464	97	9	to	to	PART
fsr-3464	97	10	capture	capture	VERB
fsr-3464	97	11	defined	define	VERB
fsr-3464	97	12	-	-	PUNCT
fsr-3464	97	13	contribution	contribution	NOUN
fsr-3464	97	14	leakage	leakage	NOUN
fsr-3464	97	15	,	,	PUNCT
fsr-3464	97	16	this	this	DET
fsr-3464	97	17	study	study	NOUN
fsr-3464	97	18	uses	use	VERB
fsr-3464	97	19	two	two	NUM
fsr-3464	97	20	questions	question	NOUN
fsr-3464	97	21	provided	provide	VERB
fsr-3464	97	22	in	in	ADP
fsr-3464	97	23	the	the	DET
fsr-3464	97	24	2012	2012	NUM
fsr-3464	97	25	and	and	CCONJ
fsr-3464	97	26	2015	2015	NUM
fsr-3464	97	27	nfcs	nfc	NOUN
fsr-3464	97	28	.	.	PUNCT
fsr-3464	98	1	the	the	DET
fsr-3464	98	2	first	first	ADJ
fsr-3464	98	3	question	question	NOUN
fsr-3464	98	4	used	use	VERB
fsr-3464	98	5	asks	ask	VERB
fsr-3464	98	6	,	,	PUNCT
fsr-3464	98	7	“	"	PUNCT
fsr-3464	98	8	in	in	ADP
fsr-3464	98	9	the	the	DET
fsr-3464	98	10	last	last	ADJ
fsr-3464	98	11	12	12	NUM
fsr-3464	98	12	months	month	NOUN
fsr-3464	98	13	,	,	PUNCT
fsr-3464	98	14	have	have	AUX
fsr-3464	98	15	you	you	PRON
fsr-3464	98	16	(	(	PUNCT
fsr-3464	98	17	or	or	CCONJ
fsr-3464	98	18	your	your	PRON
fsr-3464	98	19	spouse	spouse	NOUN
fsr-3464	98	20	/	/	SYM
fsr-3464	98	21	partner	partner	NOUN
fsr-3464	98	22	)	)	PUNCT
fsr-3464	98	23	taken	take	VERB
fsr-3464	98	24	a	a	DET
fsr-3464	98	25	loan	loan	NOUN
fsr-3464	98	26	from	from	ADP
fsr-3464	98	27	your	your	PRON
fsr-3464	98	28	retirement	retirement	NOUN
fsr-3464	98	29	account(s	account(s	PROPN
fsr-3464	98	30	)	)	PUNCT
fsr-3464	98	31	?	?	PUNCT
fsr-3464	98	32	”	"	PUNCT
fsr-3464	99	1	if	if	SCONJ
fsr-3464	99	2	respondents	respondent	NOUN
fsr-3464	99	3	answered	answer	VERB
fsr-3464	99	4	‘	'	PUNCT
fsr-3464	99	5	yes	yes	INTJ
fsr-3464	99	6	’	'	PUNCT
fsr-3464	99	7	to	to	ADP
fsr-3464	99	8	the	the	DET
fsr-3464	99	9	question	question	NOUN
fsr-3464	99	10	,	,	PUNCT
fsr-3464	99	11	they	they	PRON
fsr-3464	99	12	were	be	AUX
fsr-3464	99	13	assigned	assign	VERB
fsr-3464	99	14	‘	'	PUNCT
fsr-3464	99	15	1	1	NUM
fsr-3464	99	16	’	'	PUNCT
fsr-3464	99	17	and	and	CCONJ
fsr-3464	99	18	if	if	SCONJ
fsr-3464	99	19	no	no	INTJ
fsr-3464	99	20	,	,	PUNCT
fsr-3464	99	21	‘	'	PUNCT
fsr-3464	99	22	0	0	NUM
fsr-3464	99	23	’	'	PUNCT
fsr-3464	99	24	.	.	PUNCT
fsr-3464	100	1	within	within	ADP
fsr-3464	100	2	the	the	DET
fsr-3464	100	3	sample	sample	NOUN
fsr-3464	100	4	examined	examine	VERB
fsr-3464	100	5	,	,	PUNCT
fsr-3464	100	6	16	16	NUM
fsr-3464	100	7	%	%	NOUN
fsr-3464	100	8	of	of	ADP
fsr-3464	100	9	respondents	respondent	NOUN
fsr-3464	100	10	indicated	indicate	VERB
fsr-3464	100	11	taking	take	VERB
fsr-3464	100	12	a	a	DET
fsr-3464	100	13	loan	loan	NOUN
fsr-3464	100	14	from	from	ADP
fsr-3464	100	15	their	their	PRON
fsr-3464	100	16	retirement	retirement	NOUN
fsr-3464	100	17	account	account	NOUN
fsr-3464	100	18	in	in	ADP
fsr-3464	100	19	the	the	DET
fsr-3464	100	20	last	last	ADJ
fsr-3464	100	21	12	12	NUM
fsr-3464	100	22	months.2	months.2	PROPN
fsr-3464	100	23	3.3.2	3.3.2	NUM
fsr-3464	100	24	.	.	PUNCT
fsr-3464	101	1	high	high	ADJ
fsr-3464	101	2	-	-	PUNCT
fsr-3464	101	3	cost	cost	NOUN
fsr-3464	101	4	and	and	CCONJ
fsr-3464	101	5	inappropriate	inappropriate	ADJ
fsr-3464	101	6	borrowing	borrow	VERB
fsr-3464	101	7	the	the	DET
fsr-3464	101	8	survey	survey	NOUN
fsr-3464	101	9	includes	include	VERB
fsr-3464	101	10	a	a	DET
fsr-3464	101	11	set	set	NOUN
fsr-3464	101	12	of	of	ADP
fsr-3464	101	13	questions	question	NOUN
fsr-3464	101	14	related	relate	VERB
fsr-3464	101	15	to	to	ADP
fsr-3464	101	16	high	high	ADJ
fsr-3464	101	17	-	-	PUNCT
fsr-3464	101	18	cost	cost	NOUN
fsr-3464	101	19	borrowing	borrowing	NOUN
fsr-3464	101	20	behavior	behavior	NOUN
fsr-3464	101	21	.	.	PUNCT
fsr-3464	102	1	respondents	respondent	NOUN
fsr-3464	102	2	were	be	AUX
fsr-3464	102	3	asked	ask	VERB
fsr-3464	102	4	a	a	DET
fsr-3464	102	5	series	series	NOUN
fsr-3464	102	6	of	of	ADP
fsr-3464	102	7	questions	question	NOUN
fsr-3464	102	8	about	about	ADP
fsr-3464	102	9	using	use	VERB
fsr-3464	102	10	any	any	DET
fsr-3464	102	11	high	high	ADJ
fsr-3464	102	12	-	-	PUNCT
fsr-3464	102	13	cost	cost	NOUN
fsr-3464	102	14	borrowing	borrowing	NOUN
fsr-3464	102	15	options	option	NOUN
fsr-3464	102	16	in	in	ADP
fsr-3464	102	17	the	the	DET
fsr-3464	102	18	past	past	ADJ
fsr-3464	102	19	five	five	NUM
fsr-3464	102	20	years	year	NOUN
fsr-3464	102	21	.	.	PUNCT
fsr-3464	103	1	the	the	DET
fsr-3464	103	2	high	high	ADJ
fsr-3464	103	3	-	-	PUNCT
fsr-3464	103	4	cost	cost	NOUN
fsr-3464	103	5	borrowing	borrowing	NOUN
fsr-3464	103	6	options	option	NOUN
fsr-3464	103	7	included	include	VERB
fsr-3464	103	8	auto	auto	NOUN
fsr-3464	103	9	title	title	NOUN
fsr-3464	103	10	loans	loan	NOUN
fsr-3464	103	11	,	,	PUNCT
fsr-3464	103	12	payday	payday	NOUN
fsr-3464	103	13	loans	loan	NOUN
fsr-3464	103	14	,	,	PUNCT
fsr-3464	103	15	advance	advance	ADJ
fsr-3464	103	16	tax	tax	NOUN
fsr-3464	103	17	refunds	refund	NOUN
fsr-3464	103	18	,	,	PUNCT
fsr-3464	103	19	rent	rent	NOUN
fsr-3464	103	20	-	-	PUNCT
fsr-3464	103	21	to	to	ADP
fsr-3464	103	22	-	-	PUNCT
fsr-3464	103	23	own	own	ADJ
fsr-3464	103	24	consumer	consumer	NOUN
fsr-3464	103	25	purchasing	purchasing	NOUN
fsr-3464	103	26	,	,	PUNCT
fsr-3464	103	27	and	and	CCONJ
fsr-3464	103	28	pawn	pawn	NOUN
fsr-3464	103	29	shops	shop	NOUN
fsr-3464	103	30	.	.	PUNCT
fsr-3464	104	1	we	we	PRON
fsr-3464	104	2	focus	focus	VERB
fsr-3464	104	3	on	on	ADP
fsr-3464	104	4	three	three	NUM
fsr-3464	104	5	areas	area	NOUN
fsr-3464	104	6	known	know	VERB
fsr-3464	104	7	for	for	ADP
fsr-3464	104	8	excessive	excessive	ADJ
fsr-3464	104	9	fees	fee	NOUN
fsr-3464	104	10	and	and	CCONJ
fsr-3464	104	11	high	high	ADJ
fsr-3464	104	12	interests	interest	NOUN
fsr-3464	104	13	:	:	PUNCT
fsr-3464	104	14	payday	payday	NOUN
fsr-3464	104	15	loans	loan	NOUN
fsr-3464	104	16	,	,	PUNCT
fsr-3464	104	17	title	title	NOUN
fsr-3464	104	18	loans	loan	NOUN
fsr-3464	104	19	,	,	PUNCT
fsr-3464	104	20	and	and	CCONJ
fsr-3464	104	21	t.	t.	PROPN
fsr-3464	104	22	martin	martin	PROPN
fsr-3464	104	23	et	et	PROPN
fsr-3464	104	24	al	al	PROPN
fsr-3464	104	25	.	.	PUNCT
fsr-3464	104	26	/	/	SYM
fsr-3464	104	27	financial	financial	ADJ
fsr-3464	104	28	services	service	NOUN
fsr-3464	104	29	review	review	VERB
fsr-3464	104	30	29	29	NUM
fsr-3464	104	31	(	(	PUNCT
fsr-3464	104	32	2021	2021	NUM
fsr-3464	104	33	)	)	PUNCT
fsr-3464	104	34	293–314	293–314	NUM
fsr-3464	104	35	297	297	NUM
fsr-3464	104	36	pawnshops	pawnshop	NOUN
fsr-3464	104	37	.	.	PUNCT
fsr-3464	105	1	if	if	SCONJ
fsr-3464	105	2	a	a	DET
fsr-3464	105	3	respondent	respondent	NOUN
fsr-3464	105	4	answered	answer	VERB
fsr-3464	105	5	yes	yes	INTJ
fsr-3464	105	6	,	,	PUNCT
fsr-3464	105	7	they	they	PRON
fsr-3464	105	8	were	be	AUX
fsr-3464	105	9	assigned	assign	VERB
fsr-3464	105	10	a	a	DET
fsr-3464	105	11	‘	'	PUNCT
fsr-3464	105	12	1	1	NUM
fsr-3464	105	13	’	'	PUNCT
fsr-3464	105	14	,	,	PUNCT
fsr-3464	105	15	if	if	SCONJ
fsr-3464	105	16	not	not	PART
fsr-3464	105	17	a	a	PRON
fsr-3464	105	18	‘	'	PUNCT
fsr-3464	105	19	0	0	NUM
fsr-3464	105	20	’	'	PUNCT
fsr-3464	105	21	.	.	PUNCT
fsr-3464	106	1	we	we	PRON
fsr-3464	106	2	then	then	ADV
fsr-3464	106	3	create	create	VERB
fsr-3464	106	4	a	a	DET
fsr-3464	106	5	high	high	ADJ
fsr-3464	106	6	-	-	PUNCT
fsr-3464	106	7	cost	cost	NOUN
fsr-3464	106	8	-	-	PUNCT
fsr-3464	106	9	of	of	ADP
fsr-3464	106	10	-	-	PUNCT
fsr-3464	106	11	borrowing	borrowing	NOUN
fsr-3464	106	12	variable	variable	NOUN
fsr-3464	106	13	that	that	PRON
fsr-3464	106	14	captures	capture	VERB
fsr-3464	106	15	whether	whether	SCONJ
fsr-3464	106	16	a	a	DET
fsr-3464	106	17	respondent	respondent	NOUN
fsr-3464	106	18	had	have	AUX
fsr-3464	106	19	used	use	VERB
fsr-3464	106	20	any	any	PRON
fsr-3464	106	21	of	of	ADP
fsr-3464	106	22	these	these	DET
fsr-3464	106	23	types	type	NOUN
fsr-3464	106	24	of	of	ADP
fsr-3464	106	25	loan	loan	NOUN
fsr-3464	106	26	options	option	NOUN
fsr-3464	106	27	.	.	PUNCT
fsr-3464	107	1	we	we	PRON
fsr-3464	107	2	also	also	ADV
fsr-3464	107	3	create	create	VERB
fsr-3464	107	4	dummy	dummy	ADJ
fsr-3464	107	5	variables	variable	NOUN
fsr-3464	107	6	to	to	AUX
fsr-3464	107	7	proxy	proxy	VERB
fsr-3464	107	8	for	for	ADP
fsr-3464	107	9	other	other	ADJ
fsr-3464	107	10	forms	form	NOUN
fsr-3464	107	11	of	of	ADP
fsr-3464	107	12	suboptimal	suboptimal	ADJ
fsr-3464	107	13	borrowing	borrowing	NOUN
fsr-3464	107	14	,	,	PUNCT
fsr-3464	107	15	such	such	ADJ
fsr-3464	107	16	as	as	ADP
fsr-3464	107	17	cash	cash	NOUN
fsr-3464	107	18	advances	advance	NOUN
fsr-3464	107	19	on	on	ADP
fsr-3464	107	20	credit	credit	NOUN
fsr-3464	107	21	cards	card	NOUN
fsr-3464	107	22	,	,	PUNCT
fsr-3464	107	23	maxing	maxe	VERB
fsr-3464	107	24	out	out	ADP
fsr-3464	107	25	credit	credit	NOUN
fsr-3464	107	26	cards	card	NOUN
fsr-3464	107	27	,	,	PUNCT
fsr-3464	107	28	and	and	CCONJ
fsr-3464	107	29	overdrafts	overdraft	NOUN
fsr-3464	107	30	on	on	ADP
fsr-3464	107	31	bank	bank	NOUN
fsr-3464	107	32	accounts	account	NOUN
fsr-3464	107	33	.	.	PUNCT
fsr-3464	108	1	3.3.3	3.3.3	X
fsr-3464	108	2	.	.	PUNCT
fsr-3464	108	3	other	other	ADJ
fsr-3464	108	4	control	control	NOUN
fsr-3464	108	5	variables	variable	VERB
fsr-3464	108	6	the	the	DET
fsr-3464	108	7	empirical	empirical	ADJ
fsr-3464	108	8	literature	literature	NOUN
fsr-3464	108	9	shows	show	VERB
fsr-3464	108	10	that	that	SCONJ
fsr-3464	108	11	both	both	DET
fsr-3464	108	12	household	household	NOUN
fsr-3464	108	13	and	and	CCONJ
fsr-3464	108	14	market	market	NOUN
fsr-3464	108	15	factors	factor	NOUN
fsr-3464	108	16	affect	affect	VERB
fsr-3464	108	17	life	life	NOUN
fsr-3464	108	18	-	-	PUNCT
fsr-3464	108	19	cycle	cycle	NOUN
fsr-3464	108	20	behavior	behavior	NOUN
fsr-3464	108	21	.	.	PUNCT
fsr-3464	109	1	if	if	SCONJ
fsr-3464	109	2	households	household	NOUN
fsr-3464	109	3	forecast	forecast	VERB
fsr-3464	109	4	an	an	DET
fsr-3464	109	5	increase	increase	NOUN
fsr-3464	109	6	in	in	ADP
fsr-3464	109	7	income	income	NOUN
fsr-3464	109	8	,	,	PUNCT
fsr-3464	109	9	they	they	PRON
fsr-3464	109	10	may	may	AUX
fsr-3464	109	11	dissave	dissave	VERB
fsr-3464	109	12	to	to	PART
fsr-3464	109	13	meet	meet	VERB
fsr-3464	109	14	consumption	consumption	NOUN
fsr-3464	109	15	needs	need	NOUN
fsr-3464	109	16	;	;	PUNCT
fsr-3464	109	17	if	if	SCONJ
fsr-3464	109	18	households	household	NOUN
fsr-3464	109	19	anticipate	anticipate	VERB
fsr-3464	109	20	a	a	DET
fsr-3464	109	21	drop	drop	NOUN
fsr-3464	109	22	in	in	ADP
fsr-3464	109	23	income	income	NOUN
fsr-3464	109	24	,	,	PUNCT
fsr-3464	109	25	they	they	PRON
fsr-3464	109	26	may	may	AUX
fsr-3464	109	27	save	save	VERB
fsr-3464	109	28	more	more	ADJ
fsr-3464	109	29	and	and	CCONJ
fsr-3464	109	30	consume	consume	VERB
fsr-3464	109	31	below	below	ADP
fsr-3464	109	32	optimal	optimal	ADJ
fsr-3464	109	33	consumption	consumption	NOUN
fsr-3464	109	34	–	–	PUNCT
fsr-3464	109	35	more	more	ADV
fsr-3464	109	36	so	so	ADV
fsr-3464	109	37	if	if	SCONJ
fsr-3464	109	38	borrowing	borrowing	NOUN
fsr-3464	109	39	constraints	constraint	NOUN
fsr-3464	109	40	persist	persist	VERB
fsr-3464	109	41	.	.	PUNCT
fsr-3464	110	1	additionally	additionally	ADV
fsr-3464	110	2	,	,	PUNCT
fsr-3464	110	3	households	household	NOUN
fsr-3464	110	4	with	with	ADP
fsr-3464	110	5	children	child	NOUN
fsr-3464	110	6	may	may	AUX
fsr-3464	110	7	dissave	dissave	VERB
fsr-3464	110	8	to	to	PART
fsr-3464	110	9	meet	meet	VERB
fsr-3464	110	10	current	current	ADJ
fsr-3464	110	11	consumption	consumption	NOUN
fsr-3464	110	12	needs	need	NOUN
fsr-3464	110	13	relative	relative	ADJ
fsr-3464	110	14	to	to	ADP
fsr-3464	110	15	households	household	NOUN
fsr-3464	110	16	without	without	ADP
fsr-3464	110	17	children	child	NOUN
fsr-3464	110	18	.	.	PUNCT
fsr-3464	111	1	homeownership	homeownership	NOUN
fsr-3464	111	2	is	be	AUX
fsr-3464	111	3	another	another	DET
fsr-3464	111	4	factor	factor	NOUN
fsr-3464	111	5	that	that	PRON
fsr-3464	111	6	affects	affect	VERB
fsr-3464	111	7	households	household	NOUN
fsr-3464	111	8	’	'	PUNCT
fsr-3464	111	9	life	life	NOUN
fsr-3464	111	10	-	-	PUNCT
fsr-3464	111	11	cycle	cycle	NOUN
fsr-3464	111	12	behavior	behavior	NOUN
fsr-3464	111	13	.	.	PUNCT
fsr-3464	112	1	the	the	DET
fsr-3464	112	2	nature	nature	NOUN
fsr-3464	112	3	of	of	ADP
fsr-3464	112	4	homeownership	homeownership	NOUN
fsr-3464	112	5	is	be	AUX
fsr-3464	112	6	to	to	PART
fsr-3464	112	7	act	act	VERB
fsr-3464	112	8	as	as	ADP
fsr-3464	112	9	a	a	DET
fsr-3464	112	10	forced	force	VERB
fsr-3464	112	11	savings	saving	NOUN
fsr-3464	112	12	mechanism	mechanism	NOUN
fsr-3464	112	13	,	,	PUNCT
fsr-3464	112	14	which	which	PRON
fsr-3464	112	15	reduces	reduce	VERB
fsr-3464	112	16	a	a	DET
fsr-3464	112	17	family	family	NOUN
fsr-3464	112	18	’s	’s	PART
fsr-3464	112	19	consumption	consumption	NOUN
fsr-3464	112	20	over	over	ADP
fsr-3464	112	21	the	the	DET
fsr-3464	112	22	mortgage	mortgage	NOUN
fsr-3464	112	23	term	term	NOUN
fsr-3464	112	24	.	.	PUNCT
fsr-3464	113	1	health	health	NOUN
fsr-3464	113	2	condition	condition	NOUN
fsr-3464	113	3	is	be	AUX
fsr-3464	113	4	another	another	DET
fsr-3464	113	5	household	household	NOUN
fsr-3464	113	6	characteristic	characteristic	NOUN
fsr-3464	113	7	that	that	PRON
fsr-3464	113	8	affects	affect	VERB
fsr-3464	113	9	life	life	NOUN
fsr-3464	113	10	-	-	PUNCT
fsr-3464	113	11	cycle	cycle	NOUN
fsr-3464	113	12	behavior	behavior	NOUN
fsr-3464	113	13	.	.	PUNCT
fsr-3464	114	1	if	if	SCONJ
fsr-3464	114	2	an	an	DET
fsr-3464	114	3	individual	individual	NOUN
fsr-3464	114	4	has	have	VERB
fsr-3464	114	5	poor	poor	ADJ
fsr-3464	114	6	health	health	NOUN
fsr-3464	114	7	with	with	ADP
fsr-3464	114	8	no	no	DET
fsr-3464	114	9	health	health	NOUN
fsr-3464	114	10	insurance	insurance	NOUN
fsr-3464	114	11	,	,	PUNCT
fsr-3464	114	12	he	he	PRON
fsr-3464	114	13	/	/	PUNCT
fsr-3464	114	14	she	she	PRON
fsr-3464	114	15	may	may	AUX
fsr-3464	114	16	save	save	VERB
fsr-3464	114	17	more	more	ADV
fsr-3464	114	18	in	in	ADP
fsr-3464	114	19	anticipation	anticipation	NOUN
fsr-3464	114	20	of	of	ADP
fsr-3464	114	21	a	a	DET
fsr-3464	114	22	health	health	NOUN
fsr-3464	114	23	shock	shock	NOUN
fsr-3464	114	24	;	;	PUNCT
fsr-3464	114	25	contrastingly	contrastingly	ADV
fsr-3464	114	26	,	,	PUNCT
fsr-3464	114	27	households	household	NOUN
fsr-3464	114	28	with	with	ADP
fsr-3464	114	29	members	member	NOUN
fsr-3464	114	30	in	in	ADP
fsr-3464	114	31	good	good	ADJ
fsr-3464	114	32	health	health	NOUN
fsr-3464	114	33	can	can	AUX
fsr-3464	114	34	consume	consume	VERB
fsr-3464	114	35	at	at	ADP
fsr-3464	114	36	higher	high	ADJ
fsr-3464	114	37	levels.3	levels.3	NOUN
fsr-3464	114	38	we	we	PRON
fsr-3464	114	39	also	also	ADV
fsr-3464	114	40	control	control	VERB
fsr-3464	114	41	for	for	ADP
fsr-3464	114	42	the	the	DET
fsr-3464	114	43	effects	effect	NOUN
fsr-3464	114	44	of	of	ADP
fsr-3464	114	45	overspending	overspending	NOUN
fsr-3464	114	46	on	on	ADP
fsr-3464	114	47	saving	save	VERB
fsr-3464	114	48	behavior	behavior	NOUN
fsr-3464	114	49	by	by	ADP
fsr-3464	114	50	identifying	identify	VERB
fsr-3464	114	51	those	those	DET
fsr-3464	114	52	households	household	NOUN
fsr-3464	114	53	that	that	PRON
fsr-3464	114	54	indicated	indicate	VERB
fsr-3464	114	55	spending	spend	VERB
fsr-3464	114	56	more	more	ADJ
fsr-3464	114	57	than	than	ADP
fsr-3464	114	58	their	their	PRON
fsr-3464	114	59	income	income	NOUN
fsr-3464	114	60	within	within	ADP
fsr-3464	114	61	the	the	DET
fsr-3464	114	62	previous	previous	ADJ
fsr-3464	114	63	12	12	NUM
fsr-3464	114	64	months	month	NOUN
fsr-3464	114	65	.	.	PUNCT
fsr-3464	115	1	4	4	X
fsr-3464	115	2	.	.	X
fsr-3464	115	3	descriptive	descriptive	ADJ
fsr-3464	115	4	results	result	NOUN
fsr-3464	115	5	table	table	NOUN
fsr-3464	115	6	1	1	NUM
fsr-3464	115	7	provides	provide	VERB
fsr-3464	115	8	the	the	DET
fsr-3464	115	9	frequency	frequency	NOUN
fsr-3464	115	10	distribution	distribution	NOUN
fsr-3464	115	11	of	of	ADP
fsr-3464	115	12	the	the	DET
fsr-3464	115	13	full	full	ADJ
fsr-3464	115	14	sample	sample	NOUN
fsr-3464	115	15	and	and	CCONJ
fsr-3464	115	16	by	by	ADP
fsr-3464	115	17	household	household	NOUN
fsr-3464	115	18	groups	group	NOUN
fsr-3464	115	19	.	.	PUNCT
fsr-3464	116	1	we	we	PRON
fsr-3464	116	2	can	can	AUX
fsr-3464	116	3	observe	observe	VERB
fsr-3464	116	4	that	that	SCONJ
fsr-3464	116	5	most	most	ADJ
fsr-3464	116	6	individuals	individual	NOUN
fsr-3464	116	7	with	with	ADP
fsr-3464	116	8	retirement	retirement	NOUN
fsr-3464	116	9	plan	plan	NOUN
fsr-3464	116	10	loans	loan	NOUN
fsr-3464	116	11	incur	incur	VERB
fsr-3464	116	12	high	high	ADJ
fsr-3464	116	13	-	-	PUNCT
fsr-3464	116	14	cost	cost	NOUN
fsr-3464	116	15	borrowing	borrowing	NOUN
fsr-3464	116	16	(	(	PUNCT
fsr-3464	116	17	hcb	hcb	PROPN
fsr-3464	116	18	)	)	PUNCT
fsr-3464	116	19	,	,	PUNCT
fsr-3464	116	20	and	and	CCONJ
fsr-3464	116	21	only	only	ADV
fsr-3464	116	22	22	22	NUM
fsr-3464	116	23	%	%	NOUN
fsr-3464	116	24	are	be	AUX
fsr-3464	116	25	financially	financially	ADV
fsr-3464	116	26	literate	literate	ADJ
fsr-3464	116	27	.	.	PUNCT
fsr-3464	117	1	hcb	hcb	PROPN
fsr-3464	117	2	also	also	ADV
fsr-3464	117	3	varies	vary	VERB
fsr-3464	117	4	with	with	ADP
fsr-3464	117	5	age	age	NOUN
fsr-3464	117	6	;	;	PUNCT
fsr-3464	117	7	among	among	ADP
fsr-3464	117	8	those	those	PRON
fsr-3464	117	9	in	in	ADP
fsr-3464	117	10	the	the	DET
fsr-3464	117	11	early	early	ADJ
fsr-3464	117	12	stage	stage	NOUN
fsr-3464	117	13	of	of	ADP
fsr-3464	117	14	their	their	PRON
fsr-3464	117	15	careers	career	NOUN
fsr-3464	117	16	(	(	PUNCT
fsr-3464	117	17	age	age	NOUN
fsr-3464	117	18	25–34	25–34	NUM
fsr-3464	117	19	)	)	PUNCT
fsr-3464	117	20	,	,	PUNCT
fsr-3464	117	21	the	the	DET
fsr-3464	117	22	probability	probability	NOUN
fsr-3464	117	23	of	of	ADP
fsr-3464	117	24	using	use	VERB
fsr-3464	117	25	hcb	hcb	PROPN
fsr-3464	117	26	is	be	AUX
fsr-3464	117	27	44	44	NUM
fsr-3464	117	28	%	%	NOUN
fsr-3464	117	29	.	.	PUNCT
fsr-3464	118	1	furthermore	furthermore	ADV
fsr-3464	118	2	,	,	PUNCT
fsr-3464	118	3	as	as	SCONJ
fsr-3464	118	4	age	age	NOUN
fsr-3464	118	5	increases	increase	NOUN
fsr-3464	118	6	,	,	PUNCT
fsr-3464	118	7	the	the	DET
fsr-3464	118	8	use	use	NOUN
fsr-3464	118	9	of	of	ADP
fsr-3464	118	10	hcb	hcb	PROPN
fsr-3464	118	11	decreases	decrease	VERB
fsr-3464	118	12	.	.	PUNCT
fsr-3464	119	1	we	we	PRON
fsr-3464	119	2	also	also	ADV
fsr-3464	119	3	see	see	VERB
fsr-3464	119	4	that	that	SCONJ
fsr-3464	119	5	hcb	hcb	PROPN
fsr-3464	119	6	varies	vary	VERB
fsr-3464	119	7	with	with	ADP
fsr-3464	119	8	income	income	NOUN
fsr-3464	119	9	.	.	PUNCT
fsr-3464	120	1	the	the	DET
fsr-3464	120	2	highest	high	ADJ
fsr-3464	120	3	percentage	percentage	NOUN
fsr-3464	120	4	of	of	ADP
fsr-3464	120	5	hcb	hcb	PROPN
fsr-3464	120	6	users	user	NOUN
fsr-3464	120	7	are	be	AUX
fsr-3464	120	8	earning	earn	VERB
fsr-3464	120	9	between	between	ADP
fsr-3464	120	10	$	$	SYM
fsr-3464	120	11	50,000	50,000	NUM
fsr-3464	120	12	and	and	CCONJ
fsr-3464	120	13	$	$	SYM
fsr-3464	120	14	74,999	74,999	NUM
fsr-3464	120	15	.	.	PUNCT
fsr-3464	121	1	table	table	NOUN
fsr-3464	121	2	2	2	NUM
fsr-3464	121	3	shows	show	VERB
fsr-3464	121	4	the	the	DET
fsr-3464	121	5	frequency	frequency	NOUN
fsr-3464	121	6	distribution	distribution	NOUN
fsr-3464	121	7	of	of	ADP
fsr-3464	121	8	respondents	respondent	NOUN
fsr-3464	121	9	’	'	PUNCT
fsr-3464	121	10	financial	financial	ADJ
fsr-3464	121	11	capacity	capacity	NOUN
fsr-3464	121	12	and	and	CCONJ
fsr-3464	121	13	improper	improper	ADJ
fsr-3464	121	14	borrowing	borrowing	NOUN
fsr-3464	121	15	in	in	ADP
fsr-3464	121	16	the	the	DET
fsr-3464	121	17	full	full	ADJ
fsr-3464	121	18	sample	sample	NOUN
fsr-3464	121	19	and	and	CCONJ
fsr-3464	121	20	by	by	ADP
fsr-3464	121	21	household	household	NOUN
fsr-3464	121	22	groups	group	NOUN
fsr-3464	121	23	.	.	PUNCT
fsr-3464	122	1	we	we	PRON
fsr-3464	122	2	observe	observe	VERB
fsr-3464	122	3	that	that	SCONJ
fsr-3464	122	4	individuals	individual	NOUN
fsr-3464	122	5	who	who	PRON
fsr-3464	122	6	do	do	AUX
fsr-3464	122	7	not	not	PART
fsr-3464	122	8	have	have	VERB
fsr-3464	122	9	a	a	DET
fsr-3464	122	10	retirement	retirement	NOUN
fsr-3464	122	11	plan	plan	NOUN
fsr-3464	122	12	loan	loan	NOUN
fsr-3464	122	13	demonstrate	demonstrate	VERB
fsr-3464	122	14	greater	great	ADJ
fsr-3464	122	15	financial	financial	ADJ
fsr-3464	122	16	capacity	capacity	NOUN
fsr-3464	122	17	in	in	ADP
fsr-3464	122	18	other	other	ADJ
fsr-3464	122	19	areas	area	NOUN
fsr-3464	122	20	of	of	ADP
fsr-3464	122	21	their	their	PRON
fsr-3464	122	22	financial	financial	ADJ
fsr-3464	122	23	lives	life	NOUN
fsr-3464	122	24	.	.	PUNCT
fsr-3464	123	1	for	for	ADP
fsr-3464	123	2	instance	instance	NOUN
fsr-3464	123	3	,	,	PUNCT
fsr-3464	123	4	the	the	DET
fsr-3464	123	5	majority	majority	NOUN
fsr-3464	123	6	of	of	ADP
fsr-3464	123	7	them	they	PRON
fsr-3464	123	8	have	have	VERB
fsr-3464	123	9	a	a	DET
fsr-3464	123	10	positive	positive	ADJ
fsr-3464	123	11	cash	cash	NOUN
fsr-3464	123	12	flow	flow	NOUN
fsr-3464	123	13	and	and	CCONJ
fsr-3464	123	14	an	an	DET
fsr-3464	123	15	emergency	emergency	NOUN
fsr-3464	123	16	fund	fund	NOUN
fsr-3464	123	17	.	.	PUNCT
fsr-3464	124	1	it	it	PRON
fsr-3464	124	2	is	be	AUX
fsr-3464	124	3	important	important	ADJ
fsr-3464	124	4	to	to	PART
fsr-3464	124	5	note	note	VERB
fsr-3464	124	6	that	that	SCONJ
fsr-3464	124	7	68	68	NUM
fsr-3464	124	8	%	%	NOUN
fsr-3464	124	9	of	of	ADP
fsr-3464	124	10	hcb	hcb	PROPN
fsr-3464	124	11	are	be	AUX
fsr-3464	124	12	homeowners	homeowner	NOUN
fsr-3464	124	13	compared	compare	VERB
fsr-3464	124	14	with	with	ADP
fsr-3464	124	15	the	the	DET
fsr-3464	124	16	45	45	NUM
fsr-3464	124	17	%	%	NOUN
fsr-3464	124	18	who	who	PRON
fsr-3464	124	19	are	be	AUX
fsr-3464	124	20	not	not	PART
fsr-3464	124	21	catgorized	catgorize	VERB
fsr-3464	124	22	as	as	ADP
fsr-3464	124	23	hcb	hcb	PROPN
fsr-3464	124	24	.	.	PUNCT
fsr-3464	125	1	this	this	PRON
fsr-3464	125	2	is	be	AUX
fsr-3464	125	3	a	a	DET
fsr-3464	125	4	potential	potential	ADJ
fsr-3464	125	5	indication	indication	NOUN
fsr-3464	125	6	that	that	SCONJ
fsr-3464	125	7	owning	own	VERB
fsr-3464	125	8	property	property	NOUN
fsr-3464	125	9	could	could	AUX
fsr-3464	125	10	lead	lead	VERB
fsr-3464	125	11	to	to	ADP
fsr-3464	125	12	financial	financial	ADJ
fsr-3464	125	13	constraints	constraint	NOUN
fsr-3464	125	14	,	,	PUNCT
fsr-3464	125	15	especially	especially	ADV
fsr-3464	125	16	if	if	SCONJ
fsr-3464	125	17	the	the	DET
fsr-3464	125	18	homeowner	homeowner	NOUN
fsr-3464	125	19	is	be	AUX
fsr-3464	125	20	not	not	PART
fsr-3464	125	21	prepared	prepare	VERB
fsr-3464	125	22	for	for	ADP
fsr-3464	125	23	a	a	DET
fsr-3464	125	24	sudden	sudden	ADJ
fsr-3464	125	25	drop	drop	NOUN
fsr-3464	125	26	in	in	ADP
fsr-3464	125	27	income	income	NOUN
fsr-3464	125	28	.	.	PUNCT
fsr-3464	126	1	we	we	PRON
fsr-3464	126	2	observe	observe	VERB
fsr-3464	126	3	that	that	SCONJ
fsr-3464	126	4	individuals	individual	NOUN
fsr-3464	126	5	with	with	ADP
fsr-3464	126	6	retirement	retirement	NOUN
fsr-3464	126	7	plan	plan	NOUN
fsr-3464	126	8	loans	loan	NOUN
fsr-3464	126	9	engage	engage	VERB
fsr-3464	126	10	in	in	ADP
fsr-3464	126	11	other	other	ADJ
fsr-3464	126	12	forms	form	NOUN
fsr-3464	126	13	of	of	ADP
fsr-3464	126	14	borrowing	borrowing	NOUN
fsr-3464	126	15	,	,	PUNCT
fsr-3464	126	16	with	with	ADP
fsr-3464	126	17	34	34	NUM
fsr-3464	126	18	%	%	NOUN
fsr-3464	126	19	maxing	maxe	VERB
fsr-3464	126	20	out	out	ADP
fsr-3464	126	21	their	their	PRON
fsr-3464	126	22	credit	credit	NOUN
fsr-3464	126	23	cards	card	NOUN
fsr-3464	126	24	,	,	PUNCT
fsr-3464	126	25	and	and	CCONJ
fsr-3464	126	26	34	34	NUM
fsr-3464	126	27	%	%	NOUN
fsr-3464	126	28	having	have	VERB
fsr-3464	126	29	a	a	DET
fsr-3464	126	30	cash	cash	NOUN
fsr-3464	126	31	advance	advance	NOUN
fsr-3464	126	32	loan	loan	NOUN
fsr-3464	126	33	.	.	PUNCT
fsr-3464	127	1	in	in	ADP
fsr-3464	127	2	contrast	contrast	NOUN
fsr-3464	127	3	,	,	PUNCT
fsr-3464	127	4	the	the	DET
fsr-3464	127	5	proportion	proportion	NOUN
fsr-3464	127	6	of	of	ADP
fsr-3464	127	7	individuals	individual	NOUN
fsr-3464	127	8	who	who	PRON
fsr-3464	127	9	do	do	AUX
fsr-3464	127	10	not	not	PART
fsr-3464	127	11	have	have	VERB
fsr-3464	127	12	a	a	DET
fsr-3464	127	13	retirement	retirement	NOUN
fsr-3464	127	14	plan	plan	NOUN
fsr-3464	127	15	loan	loan	NOUN
fsr-3464	127	16	and	and	CCONJ
fsr-3464	127	17	engage	engage	VERB
fsr-3464	127	18	in	in	ADP
fsr-3464	127	19	hcb	hcb	PROPN
fsr-3464	127	20	,	,	PUNCT
fsr-3464	127	21	is	be	AUX
fsr-3464	127	22	small	small	ADJ
fsr-3464	127	23	.	.	PUNCT
fsr-3464	128	1	results	result	NOUN
fsr-3464	128	2	also	also	ADV
fsr-3464	128	3	show	show	VERB
fsr-3464	128	4	that	that	SCONJ
fsr-3464	128	5	27	27	NUM
fsr-3464	128	6	%	%	NOUN
fsr-3464	128	7	of	of	ADP
fsr-3464	128	8	hcb	hcb	PROPN
fsr-3464	128	9	maxed	maxe	VERB
fsr-3464	128	10	out	out	ADP
fsr-3464	128	11	their	their	PRON
fsr-3464	128	12	credit	credit	NOUN
fsr-3464	128	13	cards	card	NOUN
fsr-3464	128	14	,	,	PUNCT
fsr-3464	128	15	32	32	NUM
fsr-3464	128	16	%	%	NOUN
fsr-3464	128	17	have	have	VERB
fsr-3464	128	18	cash	cash	NOUN
fsr-3464	128	19	advances	advance	NOUN
fsr-3464	128	20	,	,	PUNCT
fsr-3464	128	21	and	and	CCONJ
fsr-3464	128	22	48	48	NUM
fsr-3464	128	23	%	%	NOUN
fsr-3464	128	24	reported	report	VERB
fsr-3464	128	25	having	have	VERB
fsr-3464	128	26	a	a	DET
fsr-3464	128	27	recent	recent	ADJ
fsr-3464	128	28	bank	bank	NOUN
fsr-3464	128	29	overdraft	overdraft	NOUN
fsr-3464	128	30	.	.	PUNCT
fsr-3464	129	1	among	among	ADP
fsr-3464	129	2	those	those	PRON
fsr-3464	129	3	who	who	PRON
fsr-3464	129	4	did	do	AUX
fsr-3464	129	5	not	not	PART
fsr-3464	129	6	engage	engage	VERB
fsr-3464	129	7	in	in	ADP
fsr-3464	129	8	hcb	hcb	PROPN
fsr-3464	129	9	,	,	PUNCT
fsr-3464	129	10	4	4	NUM
fsr-3464	129	11	%	%	NOUN
fsr-3464	129	12	maxed	maxe	VERB
fsr-3464	129	13	out	out	ADP
fsr-3464	129	14	their	their	PRON
fsr-3464	129	15	credit	credit	NOUN
fsr-3464	129	16	cards	card	NOUN
fsr-3464	129	17	,	,	PUNCT
fsr-3464	129	18	6	6	NUM
fsr-3464	129	19	%	%	NOUN
fsr-3464	129	20	had	have	VERB
fsr-3464	129	21	cash	cash	NOUN
fsr-3464	129	22	advances	advance	NOUN
fsr-3464	129	23	,	,	PUNCT
fsr-3464	129	24	and	and	CCONJ
fsr-3464	129	25	14	14	NUM
fsr-3464	129	26	%	%	NOUN
fsr-3464	129	27	recently	recently	ADV
fsr-3464	129	28	experienced	experience	VERB
fsr-3464	129	29	a	a	DET
fsr-3464	129	30	bank	bank	NOUN
fsr-3464	129	31	overdraft	overdraft	NOUN
fsr-3464	129	32	.	.	PUNCT
fsr-3464	130	1	298	298	NUM
fsr-3464	130	2	t.	t.	PROPN
fsr-3464	130	3	martin	martin	PROPN
fsr-3464	130	4	et	et	PROPN
fsr-3464	130	5	al	al	PROPN
fsr-3464	130	6	.	.	PUNCT
fsr-3464	130	7	/	/	SYM
fsr-3464	130	8	financial	financial	ADJ
fsr-3464	130	9	services	service	NOUN
fsr-3464	130	10	review	review	VERB
fsr-3464	130	11	29	29	NUM
fsr-3464	130	12	(	(	PUNCT
fsr-3464	130	13	2021	2021	NUM
fsr-3464	130	14	)	)	PUNCT
fsr-3464	131	1	293–314	293–314	NUM
fsr-3464	131	2	t	t	PROPN
fsr-3464	131	3	ab	ab	X
fsr-3464	131	4	le	le	PROPN
fsr-3464	131	5	1	1	NUM
fsr-3464	131	6	f	f	X
fsr-3464	131	7	re	re	ADP
fsr-3464	131	8	q	q	PROPN
fsr-3464	131	9	u	u	PROPN
fsr-3464	131	10	en	en	ADP
fsr-3464	131	11	cy	cy	PROPN
fsr-3464	131	12	d	d	PROPN
fsr-3464	131	13	is	be	AUX
fsr-3464	131	14	tr	tr	VERB
fsr-3464	131	15	ib	ib	NOUN
fsr-3464	131	16	u	u	NOUN
fsr-3464	131	17	ti	ti	NOUN
fsr-3464	131	18	o	o	NOUN
fsr-3464	132	1	n	n	NOUN
fsr-3464	132	2	s	s	NOUN
fsr-3464	132	3	fo	fo	INTJ
fsr-3464	132	4	r	r	NOUN
fsr-3464	132	5	th	th	X
fsr-3464	132	6	e	e	X
fsr-3464	132	7	w	w	NOUN
fsr-3464	132	8	ei	ei	PROPN
fsr-3464	132	9	g	g	PROPN
fsr-3464	132	10	h	h	NOUN
fsr-3464	132	11	te	te	PROPN
fsr-3464	132	12	d	d	PROPN
fsr-3464	132	13	fu	fu	PROPN
fsr-3464	132	14	ll	ll	AUX
fsr-3464	132	15	sa	sa	VERB
fsr-3464	132	16	m	m	PROPN
fsr-3464	132	17	p	p	X
fsr-3464	132	18	le	le	X
fsr-3464	132	19	an	an	DET
fsr-3464	132	20	d	d	X
fsr-3464	132	21	b	b	PROPN
fsr-3464	132	22	y	y	NOUN
fsr-3464	132	23	h	h	NOUN
fsr-3464	133	1	o	o	X
fsr-3464	133	2	u	u	X
fsr-3464	134	1	se	se	PROPN
fsr-3464	134	2	h	h	PROPN
fsr-3464	135	1	o	o	INTJ
fsr-3464	135	2	ld	ld	PROPN
fsr-3464	135	3	g	g	PROPN
fsr-3464	135	4	ro	ro	X
fsr-3464	135	5	u	u	PROPN
fsr-3464	135	6	p	p	PROPN
fsr-3464	135	7	s	s	PROPN
fsr-3464	136	1	v	v	PROPN
fsr-3464	136	2	ar	ar	PROPN
fsr-3464	136	3	ia	ia	PROPN
fsr-3464	136	4	b	b	PROPN
fsr-3464	136	5	le	le	PROPN
fsr-3464	136	6	f	f	PROPN
fsr-3464	136	7	u	u	NOUN
fsr-3464	136	8	ll	ll	AUX
fsr-3464	136	9	r	r	VERB
fsr-3464	136	10	et	et	NOUN
fsr-3464	136	11	ir	ir	VERB
fsr-3464	136	12	em	em	PRON
fsr-3464	136	13	en	en	INTJ
fsr-3464	136	14	t	t	PROPN
fsr-3464	136	15	p	p	PROPN
fsr-3464	136	16	la	la	PROPN
fsr-3464	136	17	n	n	ADP
fsr-3464	136	18	lo	lo	PROPN
fsr-3464	137	1	an	an	DET
fsr-3464	137	2	n	n	NOUN
fsr-3464	137	3	o	o	NOUN
fsr-3464	137	4	re	re	X
fsr-3464	137	5	ti	ti	X
fsr-3464	137	6	re	re	VERB
fsr-3464	137	7	m	m	PROPN
fsr-3464	137	8	en	en	ADP
fsr-3464	137	9	t	t	PROPN
fsr-3464	137	10	p	p	PROPN
fsr-3464	137	11	la	la	PROPN
fsr-3464	137	12	n	n	ADP
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fsr-3464	137	15	h	h	NOUN
fsr-3464	138	1	ig	ig	NOUN
fsr-3464	138	2	h	h	NOUN
fsr-3464	138	3	-c	-c	PUNCT
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fsr-3464	140	2	w	w	NOUN
fsr-3464	140	3	in	in	ADP
fsr-3464	140	4	g	g	PROPN
fsr-3464	140	5	n	n	NUM
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fsr-3464	140	7	h	h	NOUN
fsr-3464	141	1	ig	ig	INTJ
fsr-3464	141	2	h	h	NOUN
fsr-3464	141	3	-c	-c	PUNCT
fsr-3464	142	1	o	o	PROPN
fsr-3464	142	2	st	st	PROPN
fsr-3464	142	3	b	b	PROPN
fsr-3464	142	4	o	o	PROPN
fsr-3464	142	5	rr	rr	NOUN
fsr-3464	143	1	o	o	X
fsr-3464	143	2	w	w	NOUN
fsr-3464	143	3	in	in	ADP
fsr-3464	143	4	g	g	PROPN
fsr-3464	143	5	n	n	NOUN
fsr-3464	143	6	=	=	SYM
fsr-3464	143	7	1	1	NUM
fsr-3464	143	8	0	0	NUM
fsr-3464	143	9	,	,	PUNCT
fsr-3464	143	10	5	5	NUM
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fsr-3464	143	12	0	0	NUM
fsr-3464	143	13	n	n	NOUN
fsr-3464	143	14	=	=	SYM
fsr-3464	143	15	1	1	NUM
fsr-3464	143	16	,	,	PUNCT
fsr-3464	143	17	5	5	NUM
fsr-3464	143	18	2	2	NUM
fsr-3464	143	19	3	3	NUM
fsr-3464	143	20	n	n	NOUN
fsr-3464	143	21	=	=	SYM
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fsr-3464	143	23	,	,	PUNCT
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fsr-3464	143	25	3	3	NUM
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fsr-3464	143	28	=	=	SYM
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fsr-3464	143	30	,	,	PUNCT
fsr-3464	143	31	3	3	NUM
fsr-3464	143	32	3	3	NUM
fsr-3464	143	33	6	6	NUM
fsr-3464	143	34	n	n	NOUN
fsr-3464	143	35	=	=	SYM
fsr-3464	143	36	8	8	NUM
fsr-3464	143	37	,	,	PUNCT
fsr-3464	143	38	2	2	NUM
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fsr-3464	143	40	4	4	NUM
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fsr-3464	144	2	d	d	X
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fsr-3464	144	4	is	be	AUX
fsr-3464	144	5	io	io	PROPN
fsr-3464	144	6	n	n	CCONJ
fsr-3464	144	7	p	p	PROPN
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fsr-3464	144	9	n	n	PROPN
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fsr-3464	144	12	(	(	PUNCT
fsr-3464	144	13	l	l	NOUN
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fsr-3464	144	17	st	st	PROPN
fsr-3464	144	18	)	)	PUNCT
fsr-3464	144	19	1	1	NUM
fsr-3464	144	20	6	6	NUM
fsr-3464	144	21	%	%	NOUN
fsr-3464	144	22	—	—	PUNCT
fsr-3464	144	23	—	—	PUNCT
fsr-3464	144	24	3	3	NUM
fsr-3464	144	25	5	5	NUM
fsr-3464	144	26	%	%	NOUN
fsr-3464	144	27	9	9	NUM
fsr-3464	144	28	%	%	NOUN
fsr-3464	144	29	h	h	NOUN
fsr-3464	145	1	ig	ig	INTJ
fsr-3464	145	2	h	h	NOUN
fsr-3464	145	3	-c	-c	PUNCT
fsr-3464	146	1	o	o	PROPN
fsr-3464	146	2	st	st	PROPN
fsr-3464	146	3	b	b	PROPN
fsr-3464	146	4	o	o	PROPN
fsr-3464	146	5	rr	rr	NOUN
fsr-3464	147	1	o	o	X
fsr-3464	147	2	w	w	NOUN
fsr-3464	147	3	in	in	ADP
fsr-3464	147	4	g	g	PROPN
fsr-3464	147	5	2	2	NUM
fsr-3464	147	6	4	4	NUM
fsr-3464	147	7	%	%	NOUN
fsr-3464	147	8	5	5	NUM
fsr-3464	147	9	5	5	NUM
fsr-3464	147	10	%	%	NOUN
fsr-3464	147	11	1	1	NUM
fsr-3464	147	12	9	9	NUM
fsr-3464	147	13	%	%	NOUN
fsr-3464	147	14	—	—	PUNCT
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fsr-3464	147	16	f	f	X
fsr-3464	147	17	in	in	ADP
fsr-3464	147	18	an	an	DET
fsr-3464	147	19	ci	ci	PROPN
fsr-3464	147	20	al	al	PROPN
fsr-3464	147	21	li	li	PROPN
fsr-3464	148	1	te	te	PROPN
fsr-3464	148	2	ra	ra	PROPN
fsr-3464	148	3	cy	cy	PROPN
fsr-3464	148	4	(	(	PUNCT
fsr-3464	148	5	a	a	DET
fsr-3464	148	6	ll	ll	NOUN
fsr-3464	148	7	co	co	VERB
fsr-3464	148	8	rr	rr	PROPN
fsr-3464	148	9	ec	ec	PROPN
fsr-3464	148	10	t	t	PROPN
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fsr-3464	148	12	2	2	NUM
fsr-3464	148	13	2	2	NUM
fsr-3464	148	14	%	%	NOUN
fsr-3464	148	15	1	1	NUM
fsr-3464	148	16	2	2	NUM
fsr-3464	148	17	%	%	NOUN
fsr-3464	148	18	2	2	NUM
fsr-3464	148	19	4	4	NUM
fsr-3464	148	20	%	%	NOUN
fsr-3464	148	21	1	1	NUM
fsr-3464	148	22	0	0	NUM
fsr-3464	148	23	%	%	NOUN
fsr-3464	148	24	2	2	NUM
fsr-3464	148	25	6	6	NUM
fsr-3464	148	26	%	%	NOUN
fsr-3464	148	27	(	(	PUNCT
fsr-3464	148	28	t	t	NOUN
fsr-3464	148	29	o	o	X
fsr-3464	148	30	ta	ta	X
fsr-3464	148	31	l	l	PROPN
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fsr-3464	148	33	rr	rr	PROPN
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fsr-3464	148	35	t	t	PROPN
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fsr-3464	148	37	3	3	NUM
fsr-3464	148	38	.3	.3	NUM
fsr-3464	148	39	7	7	NUM
fsr-3464	148	40	2	2	NUM
fsr-3464	148	41	.7	.7	NUM
fsr-3464	148	42	3	3	NUM
fsr-3464	148	43	3	3	NUM
fsr-3464	148	44	.5	.5	NUM
fsr-3464	148	45	0	0	NUM
fsr-3464	148	46	2	2	NUM
fsr-3464	148	47	.7	.7	NUM
fsr-3464	148	48	2	2	NUM
fsr-3464	148	49	3	3	NUM
fsr-3464	148	50	.5	.5	NUM
fsr-3464	148	51	9	9	NUM
fsr-3464	148	52	g	g	NOUN
fsr-3464	148	53	en	en	PROPN
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fsr-3464	148	57	al	al	PROPN
fsr-3464	148	58	e	e	PROPN
fsr-3464	148	59	6	6	NUM
fsr-3464	148	60	3	3	NUM
fsr-3464	148	61	%	%	NOUN
fsr-3464	148	62	6	6	NUM
fsr-3464	148	63	4	4	NUM
fsr-3464	148	64	%	%	NOUN
fsr-3464	148	65	6	6	NUM
fsr-3464	148	66	3	3	NUM
fsr-3464	148	67	%	%	NOUN
fsr-3464	148	68	6	6	NUM
fsr-3464	148	69	6	6	NUM
fsr-3464	148	70	%	%	NOUN
fsr-3464	148	71	6	6	NUM
fsr-3464	148	72	2	2	NUM
fsr-3464	148	73	%	%	NOUN
fsr-3464	148	74	f	f	NOUN
fsr-3464	148	75	em	em	PROPN
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fsr-3464	148	77	e	e	PROPN
fsr-3464	148	78	3	3	NUM
fsr-3464	148	79	7	7	NUM
fsr-3464	148	80	%	%	NOUN
fsr-3464	148	81	3	3	NUM
fsr-3464	148	82	6	6	NUM
fsr-3464	148	83	%	%	NOUN
fsr-3464	148	84	3	3	NUM
fsr-3464	148	85	7	7	NUM
fsr-3464	148	86	%	%	NOUN
fsr-3464	148	87	3	3	NUM
fsr-3464	148	88	4	4	NUM
fsr-3464	148	89	%	%	NOUN
fsr-3464	148	90	3	3	NUM
fsr-3464	148	91	8	8	NUM
fsr-3464	148	92	%	%	NOUN
fsr-3464	148	93	r	r	NOUN
fsr-3464	148	94	ac	ac	NOUN
fsr-3464	148	95	e	e	PROPN
fsr-3464	148	96	w	w	NOUN
fsr-3464	148	97	h	h	NOUN
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fsr-3464	149	2	es	es	VERB
fsr-3464	149	3	6	6	NUM
fsr-3464	149	4	3	3	NUM
fsr-3464	149	5	%	%	NOUN
fsr-3464	149	6	5	5	NUM
fsr-3464	149	7	7	7	NUM
fsr-3464	149	8	%	%	NOUN
fsr-3464	149	9	5	5	NUM
fsr-3464	149	10	6	6	NUM
fsr-3464	149	11	%	%	NOUN
fsr-3464	149	12	3	3	NUM
fsr-3464	149	13	5	5	NUM
fsr-3464	149	14	%	%	NOUN
fsr-3464	149	15	5	5	NUM
fsr-3464	149	16	3	3	NUM
fsr-3464	149	17	%	%	NOUN
fsr-3464	149	18	n	n	CCONJ
fsr-3464	149	19	o	o	PROPN
fsr-3464	150	1	n	n	CCONJ
fsr-3464	151	1	-w	-w	PUNCT
fsr-3464	152	1	h	h	NOUN
fsr-3464	153	1	it	it	PRON
fsr-3464	153	2	es	es	VERB
fsr-3464	153	3	3	3	NUM
fsr-3464	153	4	7	7	NUM
fsr-3464	153	5	%	%	NOUN
fsr-3464	153	6	4	4	NUM
fsr-3464	153	7	3	3	NUM
fsr-3464	153	8	%	%	NOUN
fsr-3464	153	9	4	4	NUM
fsr-3464	153	10	4	4	NUM
fsr-3464	153	11	%	%	NOUN
fsr-3464	153	12	6	6	NUM
fsr-3464	153	13	5	5	NUM
fsr-3464	153	14	%	%	NOUN
fsr-3464	153	15	4	4	NUM
fsr-3464	153	16	7	7	NUM
fsr-3464	153	17	%	%	NOUN
fsr-3464	153	18	a	a	DET
fsr-3464	153	19	g	g	NOUN
fsr-3464	153	20	e	e	NOUN
fsr-3464	153	21	2	2	NUM
fsr-3464	153	22	5	5	NUM
fsr-3464	153	23	–	–	PUNCT
fsr-3464	153	24	3	3	NUM
fsr-3464	153	25	4	4	NUM
fsr-3464	153	26	3	3	NUM
fsr-3464	153	27	0	0	NUM
fsr-3464	153	28	%	%	NOUN
fsr-3464	153	29	4	4	NUM
fsr-3464	153	30	1	1	NUM
fsr-3464	153	31	%	%	NOUN
fsr-3464	153	32	2	2	NUM
fsr-3464	153	33	8	8	NUM
fsr-3464	153	34	%	%	NOUN
fsr-3464	153	35	4	4	NUM
fsr-3464	153	36	4	4	NUM
fsr-3464	153	37	%	%	NOUN
fsr-3464	153	38	2	2	NUM
fsr-3464	153	39	5	5	NUM
fsr-3464	153	40	%	%	NOUN
fsr-3464	153	41	3	3	NUM
fsr-3464	153	42	5	5	NUM
fsr-3464	153	43	–	–	PUNCT
fsr-3464	153	44	4	4	NUM
fsr-3464	153	45	4	4	NUM
fsr-3464	153	46	3	3	NUM
fsr-3464	153	47	3	3	NUM
fsr-3464	153	48	%	%	NOUN
fsr-3464	153	49	3	3	NUM
fsr-3464	153	50	2	2	NUM
fsr-3464	153	51	%	%	NOUN
fsr-3464	153	52	3	3	NUM
fsr-3464	153	53	3	3	NUM
fsr-3464	153	54	%	%	NOUN
fsr-3464	153	55	3	3	NUM
fsr-3464	153	56	3	3	NUM
fsr-3464	153	57	%	%	NOUN
fsr-3464	153	58	3	3	NUM
fsr-3464	153	59	3	3	NUM
fsr-3464	153	60	%	%	NOUN
fsr-3464	153	61	4	4	NUM
fsr-3464	153	62	5	5	NUM
fsr-3464	153	63	–	–	PUNCT
fsr-3464	153	64	5	5	NUM
fsr-3464	153	65	4	4	NUM
fsr-3464	153	66	3	3	NUM
fsr-3464	153	67	7	7	NUM
fsr-3464	153	68	%	%	NOUN
fsr-3464	153	69	2	2	NUM
fsr-3464	153	70	7	7	NUM
fsr-3464	153	71	%	%	NOUN
fsr-3464	153	72	3	3	NUM
fsr-3464	153	73	9	9	NUM
fsr-3464	153	74	%	%	NOUN
fsr-3464	153	75	2	2	NUM
fsr-3464	153	76	3	3	NUM
fsr-3464	153	77	%	%	NOUN
fsr-3464	153	78	4	4	NUM
fsr-3464	153	79	2	2	NUM
fsr-3464	153	80	%	%	NOUN
fsr-3464	153	81	m	m	PROPN
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fsr-3464	153	83	ri	ri	PROPN
fsr-3464	153	84	ed	ed	PROPN
fsr-3464	153	85	6	6	NUM
fsr-3464	153	86	6	6	NUM
fsr-3464	153	87	%	%	NOUN
fsr-3464	153	88	7	7	NUM
fsr-3464	153	89	1	1	NUM
fsr-3464	153	90	%	%	NOUN
fsr-3464	153	91	6	6	NUM
fsr-3464	153	92	5	5	NUM
fsr-3464	153	93	%	%	NOUN
fsr-3464	153	94	6	6	NUM
fsr-3464	153	95	4	4	NUM
fsr-3464	153	96	%	%	NOUN
fsr-3464	153	97	6	6	NUM
fsr-3464	153	98	6	6	NUM
fsr-3464	153	99	%	%	NOUN
fsr-3464	153	100	in	in	ADP
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fsr-3464	153	113	%	%	NOUN
fsr-3464	153	114	2	2	NUM
fsr-3464	153	115	%	%	NOUN
fsr-3464	153	116	1	1	NUM
fsr-3464	153	117	%	%	NOUN
fsr-3464	153	118	2	2	NUM
fsr-3464	153	119	%	%	NOUN
fsr-3464	153	120	1	1	NUM
fsr-3464	153	121	%	%	NOUN
fsr-3464	153	122	1	1	NUM
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fsr-3464	153	125	–	–	PUNCT
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fsr-3464	153	132	2	2	NUM
fsr-3464	153	133	%	%	NOUN
fsr-3464	153	134	3	3	NUM
fsr-3464	153	135	%	%	NOUN
fsr-3464	153	136	2	2	NUM
fsr-3464	153	137	%	%	NOUN
fsr-3464	153	138	4	4	NUM
fsr-3464	153	139	%	%	NOUN
fsr-3464	153	140	2	2	NUM
fsr-3464	153	141	%	%	NOUN
fsr-3464	153	142	2	2	NUM
fsr-3464	153	143	5	5	NUM
fsr-3464	153	144	,	,	PUNCT
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fsr-3464	153	148	–	–	PUNCT
fsr-3464	153	149	3	3	NUM
fsr-3464	153	150	4	4	NUM
fsr-3464	153	151	,	,	PUNCT
fsr-3464	153	152	9	9	NUM
fsr-3464	153	153	9	9	NUM
fsr-3464	153	154	9	9	NUM
fsr-3464	153	155	6	6	NUM
fsr-3464	153	156	%	%	NOUN
fsr-3464	153	157	7	7	NUM
fsr-3464	153	158	%	%	NOUN
fsr-3464	153	159	6	6	NUM
fsr-3464	153	160	%	%	NOUN
fsr-3464	153	161	1	1	NUM
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fsr-3464	153	163	%	%	NOUN
fsr-3464	153	164	5	5	NUM
fsr-3464	153	165	%	%	NOUN
fsr-3464	153	166	3	3	NUM
fsr-3464	153	167	5	5	NUM
fsr-3464	153	168	,	,	PUNCT
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fsr-3464	153	172	–	–	PUNCT
fsr-3464	153	173	4	4	NUM
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fsr-3464	153	175	,	,	PUNCT
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fsr-3464	153	181	%	%	NOUN
fsr-3464	153	182	1	1	NUM
fsr-3464	153	183	1	1	NUM
fsr-3464	153	184	%	%	NOUN
fsr-3464	153	185	1	1	NUM
fsr-3464	153	186	2	2	NUM
fsr-3464	153	187	%	%	NOUN
fsr-3464	153	188	1	1	NUM
fsr-3464	153	189	5	5	NUM
fsr-3464	153	190	%	%	NOUN
fsr-3464	153	191	1	1	NUM
fsr-3464	153	192	1	1	NUM
fsr-3464	153	193	%	%	NOUN
fsr-3464	153	194	5	5	NUM
fsr-3464	153	195	0	0	NUM
fsr-3464	153	196	,	,	PUNCT
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fsr-3464	153	203	,	,	PUNCT
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fsr-3464	153	210	2	2	NUM
fsr-3464	153	211	4	4	NUM
fsr-3464	153	212	%	%	NOUN
fsr-3464	153	213	2	2	NUM
fsr-3464	153	214	4	4	NUM
fsr-3464	153	215	%	%	NOUN
fsr-3464	153	216	2	2	NUM
fsr-3464	153	217	8	8	NUM
fsr-3464	153	218	%	%	NOUN
fsr-3464	153	219	2	2	NUM
fsr-3464	153	220	3	3	NUM
fsr-3464	153	221	%	%	NOUN
fsr-3464	153	222	7	7	NUM
fsr-3464	153	223	5	5	NUM
fsr-3464	153	224	,	,	PUNCT
fsr-3464	153	225	0	0	NUM
fsr-3464	153	226	0	0	NUM
fsr-3464	153	227	0	0	NUM
fsr-3464	153	228	–	–	PUNCT
fsr-3464	153	229	9	9	NUM
fsr-3464	153	230	9	9	NUM
fsr-3464	153	231	,	,	PUNCT
fsr-3464	153	232	9	9	NUM
fsr-3464	153	233	9	9	NUM
fsr-3464	153	234	9	9	NUM
fsr-3464	153	235	2	2	NUM
fsr-3464	153	236	0	0	NUM
fsr-3464	153	237	%	%	NOUN
fsr-3464	153	238	2	2	NUM
fsr-3464	153	239	2	2	NUM
fsr-3464	153	240	%	%	NOUN
fsr-3464	153	241	2	2	NUM
fsr-3464	153	242	0	0	NUM
fsr-3464	153	243	%	%	NOUN
fsr-3464	153	244	2	2	NUM
fsr-3464	153	245	0	0	NUM
fsr-3464	153	246	%	%	NOUN
fsr-3464	153	247	2	2	NUM
fsr-3464	153	248	1	1	NUM
fsr-3464	153	249	%	%	NOUN
fsr-3464	153	250	1	1	NUM
fsr-3464	153	251	0	0	NUM
fsr-3464	153	252	0	0	NUM
fsr-3464	153	253	,	,	PUNCT
fsr-3464	153	254	0	0	NUM
fsr-3464	153	255	0	0	NUM
fsr-3464	153	256	0	0	NUM
fsr-3464	153	257	–	–	PUNCT
fsr-3464	153	258	1	1	NUM
fsr-3464	153	259	4	4	NUM
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fsr-3464	153	261	,	,	PUNCT
fsr-3464	153	262	9	9	NUM
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fsr-3464	153	264	9	9	NUM
fsr-3464	153	265	2	2	NUM
fsr-3464	153	266	3	3	NUM
fsr-3464	153	267	%	%	NOUN
fsr-3464	153	268	2	2	NUM
fsr-3464	153	269	1	1	NUM
fsr-3464	153	270	%	%	NOUN
fsr-3464	153	271	2	2	NUM
fsr-3464	153	272	3	3	NUM
fsr-3464	153	273	%	%	NOUN
fsr-3464	153	274	1	1	NUM
fsr-3464	153	275	5	5	NUM
fsr-3464	153	276	%	%	NOUN
fsr-3464	153	277	2	2	NUM
fsr-3464	153	278	5	5	NUM
fsr-3464	153	279	%	%	NOUN
fsr-3464	153	280	1	1	NUM
fsr-3464	153	281	5	5	NUM
fsr-3464	153	282	0	0	NUM
fsr-3464	153	283	,	,	PUNCT
fsr-3464	153	284	0	0	NUM
fsr-3464	153	285	0	0	NUM
fsr-3464	153	286	0	0	NUM
fsr-3464	154	1	+	+	CCONJ
fsr-3464	154	2	1	1	NUM
fsr-3464	154	3	2	2	NUM
fsr-3464	154	4	%	%	NOUN
fsr-3464	154	5	1	1	NUM
fsr-3464	154	6	1	1	NUM
fsr-3464	154	7	%	%	NOUN
fsr-3464	154	8	1	1	NUM
fsr-3464	154	9	2	2	NUM
fsr-3464	154	10	%	%	NOUN
fsr-3464	154	11	7	7	NUM
fsr-3464	154	12	%	%	NOUN
fsr-3464	154	13	1	1	NUM
fsr-3464	154	14	4	4	NUM
fsr-3464	154	15	%	%	NOUN
fsr-3464	154	16	n	n	PRON
fsr-3464	154	17	o	o	NOUN
fsr-3464	154	18	.	.	PUNCT
fsr-3464	155	1	o	o	X
fsr-3464	155	2	f	f	PROPN
fsr-3464	155	3	ch	ch	PROPN
fsr-3464	155	4	il	il	PROPN
fsr-3464	155	5	d	d	PROPN
fsr-3464	155	6	re	re	X
fsr-3464	155	7	n	n	PROPN
fsr-3464	155	8	z	z	NOUN
fsr-3464	155	9	er	er	INTJ
fsr-3464	155	10	o	o	NOUN
fsr-3464	155	11	4	4	NUM
fsr-3464	155	12	1	1	NUM
fsr-3464	155	13	%	%	NOUN
fsr-3464	155	14	2	2	NUM
fsr-3464	155	15	8	8	NUM
fsr-3464	155	16	%	%	NOUN
fsr-3464	155	17	4	4	NUM
fsr-3464	155	18	4	4	NUM
fsr-3464	155	19	%	%	NOUN
fsr-3464	155	20	2	2	NUM
fsr-3464	155	21	9	9	NUM
fsr-3464	155	22	%	%	NOUN
fsr-3464	155	23	4	4	NUM
fsr-3464	155	24	5	5	NUM
fsr-3464	155	25	%	%	NOUN
fsr-3464	155	26	o	o	NOUN
fsr-3464	155	27	n	n	CCONJ
fsr-3464	155	28	e	e	NOUN
fsr-3464	155	29	2	2	NUM
fsr-3464	155	30	3	3	NUM
fsr-3464	155	31	%	%	NOUN
fsr-3464	155	32	2	2	NUM
fsr-3464	155	33	8	8	NUM
fsr-3464	155	34	%	%	NOUN
fsr-3464	155	35	2	2	NUM
fsr-3464	155	36	2	2	NUM
fsr-3464	155	37	%	%	NOUN
fsr-3464	155	38	2	2	NUM
fsr-3464	155	39	6	6	NUM
fsr-3464	155	40	%	%	NOUN
fsr-3464	155	41	2	2	NUM
fsr-3464	155	42	2	2	NUM
fsr-3464	155	43	%	%	NOUN
fsr-3464	155	44	t	t	NOUN
fsr-3464	155	45	w	w	NOUN
fsr-3464	155	46	o	o	NOUN
fsr-3464	155	47	2	2	NUM
fsr-3464	155	48	4	4	NUM
fsr-3464	155	49	%	%	NOUN
fsr-3464	155	50	2	2	NUM
fsr-3464	155	51	8	8	NUM
fsr-3464	155	52	%	%	NOUN
fsr-3464	155	53	2	2	NUM
fsr-3464	155	54	3	3	NUM
fsr-3464	155	55	%	%	NOUN
fsr-3464	155	56	2	2	NUM
fsr-3464	155	57	8	8	NUM
fsr-3464	155	58	%	%	NOUN
fsr-3464	155	59	2	2	NUM
fsr-3464	155	60	3	3	NUM
fsr-3464	155	61	%	%	NOUN
fsr-3464	155	62	t	t	PROPN
fsr-3464	155	63	h	h	NOUN
fsr-3464	155	64	re	re	ADP
fsr-3464	155	65	e	e	X
fsr-3464	155	66	8	8	NUM
fsr-3464	155	67	%	%	NOUN
fsr-3464	155	68	1	1	NUM
fsr-3464	155	69	0	0	NUM
fsr-3464	155	70	%	%	NOUN
fsr-3464	155	71	8	8	NUM
fsr-3464	155	72	%	%	NOUN
fsr-3464	155	73	1	1	NUM
fsr-3464	155	74	1	1	NUM
fsr-3464	155	75	%	%	NOUN
fsr-3464	155	76	7	7	NUM
fsr-3464	155	77	%	%	NOUN
fsr-3464	155	78	f	f	NOUN
fsr-3464	155	79	o	o	X
fsr-3464	155	80	u	u	NOUN
fsr-3464	155	81	r+	r+	VERB
fsr-3464	155	82	4	4	NUM
fsr-3464	155	83	%	%	NOUN
fsr-3464	155	84	7	7	NUM
fsr-3464	155	85	%	%	NOUN
fsr-3464	155	86	3	3	NUM
fsr-3464	155	87	%	%	NOUN
fsr-3464	155	88	5	5	NUM
fsr-3464	155	89	%	%	NOUN
fsr-3464	155	90	3	3	NUM
fsr-3464	155	91	%	%	NOUN
fsr-3464	155	92	(	(	PUNCT
fsr-3464	155	93	c	c	NOUN
fsr-3464	155	94	o	o	NOUN
fsr-3464	155	95	n	n	CCONJ
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fsr-3464	155	97	n	n	CCONJ
fsr-3464	155	98	u	u	NOUN
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fsr-3464	155	100	o	o	PROPN
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fsr-3464	155	102	n	n	NOUN
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fsr-3464	155	104	t	t	NOUN
fsr-3464	155	105	p	p	X
fsr-3464	155	106	a	a	DET
fsr-3464	155	107	g	g	NOUN
fsr-3464	155	108	e	e	NOUN
fsr-3464	155	109	)	)	PUNCT
fsr-3464	155	110	t.	t.	PROPN
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fsr-3464	155	115	/	/	SYM
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fsr-3464	155	120	(	(	PUNCT
fsr-3464	155	121	2021	2021	NUM
fsr-3464	155	122	)	)	PUNCT
fsr-3464	156	1	293–314	293–314	NUM
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fsr-3464	156	3	t	t	NOUN
fsr-3464	156	4	ab	ab	PROPN
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fsr-3464	156	6	1	1	NUM
fsr-3464	156	7	(	(	PUNCT
fsr-3464	156	8	c	c	NOUN
fsr-3464	156	9	o	o	NOUN
fsr-3464	156	10	n	n	CCONJ
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fsr-3464	156	13	u	u	NOUN
fsr-3464	156	14	ed	ed	PROPN
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fsr-3464	156	16	v	v	PROPN
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fsr-3464	156	24	r	r	VERB
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fsr-3464	156	29	t	t	PROPN
fsr-3464	156	30	p	p	PROPN
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fsr-3464	157	9	t	t	PROPN
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fsr-3464	157	12	n	n	ADP
fsr-3464	157	13	lo	lo	PROPN
fsr-3464	157	14	an	an	DET
fsr-3464	157	15	h	h	NOUN
fsr-3464	158	1	ig	ig	NOUN
fsr-3464	158	2	h	h	NOUN
fsr-3464	158	3	-c	-c	PUNCT
fsr-3464	159	1	o	o	PROPN
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fsr-3464	160	7	h	h	NOUN
fsr-3464	161	1	ig	ig	INTJ
fsr-3464	161	2	h	h	NOUN
fsr-3464	161	3	-c	-c	PUNCT
fsr-3464	162	1	o	o	PROPN
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fsr-3464	163	1	o	o	X
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fsr-3464	163	4	g	g	PROPN
fsr-3464	163	5	n	n	NOUN
fsr-3464	163	6	=	=	SYM
fsr-3464	163	7	1	1	NUM
fsr-3464	163	8	0	0	NUM
fsr-3464	163	9	,	,	PUNCT
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fsr-3464	163	14	=	=	SYM
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fsr-3464	163	17	5	5	NUM
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fsr-3464	163	28	=	=	SYM
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fsr-3464	163	60	%	%	NOUN
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fsr-3464	163	62	%	%	NOUN
fsr-3464	163	63	1	1	NUM
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fsr-3464	163	65	%	%	NOUN
fsr-3464	163	66	9	9	NUM
fsr-3464	163	67	%	%	NOUN
fsr-3464	163	68	f	f	NOUN
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fsr-3464	163	73	%	%	NOUN
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fsr-3464	163	76	%	%	NOUN
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fsr-3464	163	79	%	%	NOUN
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fsr-3464	163	82	%	%	NOUN
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fsr-3464	163	85	%	%	NOUN
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fsr-3464	163	106	%	%	NOUN
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fsr-3464	163	108	%	%	NOUN
fsr-3464	163	109	7	7	NUM
fsr-3464	163	110	%	%	NOUN
fsr-3464	163	111	7	7	NUM
fsr-3464	163	112	%	%	NOUN
fsr-3464	163	113	7	7	NUM
fsr-3464	163	114	%	%	NOUN
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fsr-3464	163	124	%	%	NOUN
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fsr-3464	163	127	%	%	NOUN
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fsr-3464	163	130	%	%	NOUN
fsr-3464	163	131	1	1	NUM
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fsr-3464	163	133	%	%	NOUN
fsr-3464	163	134	1	1	NUM
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fsr-3464	163	155	%	%	NOUN
fsr-3464	163	156	2	2	NUM
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fsr-3464	163	171	%	%	NOUN
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fsr-3464	163	174	%	%	NOUN
fsr-3464	163	175	3	3	NUM
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fsr-3464	163	177	%	%	NOUN
fsr-3464	163	178	3	3	NUM
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fsr-3464	163	180	%	%	NOUN
fsr-3464	164	1	h	h	NOUN
fsr-3464	165	1	ig	ig	INTJ
fsr-3464	165	2	h	h	NOUN
fsr-3464	165	3	es	es	X
fsr-3464	165	4	t	t	PROPN
fsr-3464	165	5	ri	ri	INTJ
fsr-3464	165	6	sk	sk	VERB
fsr-3464	165	7	1	1	NUM
fsr-3464	165	8	8	8	NUM
fsr-3464	165	9	%	%	NOUN
fsr-3464	165	10	3	3	NUM
fsr-3464	165	11	8	8	NUM
fsr-3464	165	12	%	%	NOUN
fsr-3464	165	13	1	1	NUM
fsr-3464	165	14	4	4	NUM
fsr-3464	165	15	%	%	NOUN
fsr-3464	165	16	3	3	NUM
fsr-3464	165	17	2	2	NUM
fsr-3464	165	18	%	%	NOUN
fsr-3464	165	19	1	1	NUM
fsr-3464	165	20	3	3	NUM
fsr-3464	165	21	%	%	NOUN
fsr-3464	165	22	300	300	NUM
fsr-3464	165	23	t.	t.	PROPN
fsr-3464	165	24	martin	martin	PROPN
fsr-3464	165	25	et	et	PROPN
fsr-3464	165	26	al	al	PROPN
fsr-3464	165	27	.	.	PUNCT
fsr-3464	165	28	/	/	SYM
fsr-3464	165	29	financial	financial	ADJ
fsr-3464	165	30	services	service	NOUN
fsr-3464	165	31	review	review	VERB
fsr-3464	165	32	29	29	NUM
fsr-3464	165	33	(	(	PUNCT
fsr-3464	165	34	2021	2021	NUM
fsr-3464	165	35	)	)	PUNCT
fsr-3464	165	36	293–314	293–314	NUM
fsr-3464	165	37	table	table	NOUN
fsr-3464	165	38	3	3	NUM
fsr-3464	165	39	shows	show	VERB
fsr-3464	165	40	correct	correct	ADJ
fsr-3464	165	41	answers	answer	NOUN
fsr-3464	165	42	to	to	ADP
fsr-3464	165	43	the	the	DET
fsr-3464	165	44	financial	financial	ADJ
fsr-3464	165	45	literacy	literacy	NOUN
fsr-3464	165	46	questions	question	NOUN
fsr-3464	165	47	by	by	ADP
fsr-3464	165	48	the	the	DET
fsr-3464	165	49	full	full	ADJ
fsr-3464	165	50	sample	sample	NOUN
fsr-3464	165	51	and	and	CCONJ
fsr-3464	165	52	household	household	NOUN
fsr-3464	165	53	groups	group	NOUN
fsr-3464	165	54	.	.	PUNCT
fsr-3464	166	1	panel	panel	NOUN
fsr-3464	166	2	b	b	PROPN
fsr-3464	166	3	highlights	highlight	NOUN
fsr-3464	166	4	the	the	DET
fsr-3464	166	5	distribution	distribution	NOUN
fsr-3464	166	6	by	by	ADP
fsr-3464	166	7	loan	loan	NOUN
fsr-3464	166	8	type	type	NOUN
fsr-3464	166	9	.	.	PUNCT
fsr-3464	167	1	we	we	PRON
fsr-3464	167	2	note	note	VERB
fsr-3464	167	3	that	that	SCONJ
fsr-3464	167	4	84	84	NUM
fsr-3464	167	5	%	%	NOUN
fsr-3464	167	6	of	of	ADP
fsr-3464	167	7	the	the	DET
fsr-3464	167	8	total	total	ADJ
fsr-3464	167	9	sample	sample	NOUN
fsr-3464	167	10	answered	answer	VERB
fsr-3464	167	11	the	the	DET
fsr-3464	167	12	interest	interest	NOUN
fsr-3464	167	13	question	question	NOUN
fsr-3464	167	14	correctly	correctly	ADV
fsr-3464	167	15	,	,	PUNCT
fsr-3464	167	16	68	68	NUM
fsr-3464	167	17	%	%	NOUN
fsr-3464	167	18	answered	answer	VERB
fsr-3464	167	19	the	the	DET
fsr-3464	167	20	inflation	inflation	NOUN
fsr-3464	167	21	question	question	NOUN
fsr-3464	167	22	right	right	ADV
fsr-3464	167	23	,	,	PUNCT
fsr-3464	167	24	and	and	CCONJ
fsr-3464	167	25	62	62	NUM
fsr-3464	167	26	%	%	NOUN
fsr-3464	167	27	correctly	correctly	ADV
fsr-3464	167	28	answered	answer	VERB
fsr-3464	167	29	the	the	DET
fsr-3464	167	30	diversification	diversification	NOUN
fsr-3464	167	31	question	question	NOUN
fsr-3464	167	32	.	.	PUNCT
fsr-3464	168	1	most	most	ADJ
fsr-3464	168	2	individuals	individual	NOUN
fsr-3464	168	3	characterized	characterize	VERB
fsr-3464	168	4	as	as	ADP
fsr-3464	168	5	hcb	hcb	PROPN
fsr-3464	168	6	with	with	ADP
fsr-3464	168	7	a	a	DET
fsr-3464	168	8	plan	plan	NOUN
fsr-3464	168	9	loan	loan	NOUN
fsr-3464	168	10	correctly	correctly	ADV
fsr-3464	168	11	responded	respond	VERB
fsr-3464	168	12	to	to	ADP
fsr-3464	168	13	the	the	DET
fsr-3464	168	14	interest	interest	NOUN
fsr-3464	168	15	rate	rate	NOUN
fsr-3464	168	16	question	question	NOUN
fsr-3464	168	17	.	.	PUNCT
fsr-3464	169	1	however	however	ADV
fsr-3464	169	2	,	,	PUNCT
fsr-3464	169	3	only	only	ADV
fsr-3464	169	4	44	44	NUM
fsr-3464	169	5	%	%	NOUN
fsr-3464	169	6	of	of	ADP
fsr-3464	169	7	individuals	individual	NOUN
fsr-3464	169	8	with	with	ADP
fsr-3464	169	9	a	a	DET
fsr-3464	169	10	plan	plan	NOUN
fsr-3464	169	11	loan	loan	NOUN
fsr-3464	169	12	correctly	correctly	ADV
fsr-3464	169	13	answered	answer	VERB
fsr-3464	169	14	the	the	DET
fsr-3464	169	15	inflation	inflation	NOUN
fsr-3464	169	16	and	and	CCONJ
fsr-3464	169	17	the	the	DET
fsr-3464	169	18	diversification	diversification	NOUN
fsr-3464	169	19	question	question	NOUN
fsr-3464	169	20	.	.	PUNCT
fsr-3464	170	1	similarly	similarly	ADV
fsr-3464	170	2	,	,	PUNCT
fsr-3464	170	3	only	only	ADV
fsr-3464	170	4	45	45	NUM
fsr-3464	170	5	%	%	NOUN
fsr-3464	170	6	of	of	ADP
fsr-3464	170	7	the	the	DET
fsr-3464	170	8	hcb	hcb	PROPN
fsr-3464	170	9	group	group	NOUN
fsr-3464	170	10	correctly	correctly	ADV
fsr-3464	170	11	answered	answer	VERB
fsr-3464	170	12	the	the	DET
fsr-3464	170	13	inflation	inflation	NOUN
fsr-3464	170	14	and	and	CCONJ
fsr-3464	170	15	the	the	DET
fsr-3464	170	16	diversification	diversification	NOUN
fsr-3464	170	17	question	question	NOUN
fsr-3464	170	18	.	.	PUNCT
fsr-3464	171	1	we	we	PRON
fsr-3464	171	2	note	note	VERB
fsr-3464	171	3	that	that	SCONJ
fsr-3464	171	4	among	among	ADP
fsr-3464	171	5	individuals	individual	NOUN
fsr-3464	171	6	who	who	PRON
fsr-3464	171	7	do	do	AUX
fsr-3464	171	8	not	not	PART
fsr-3464	171	9	engage	engage	VERB
fsr-3464	171	10	in	in	ADP
fsr-3464	171	11	hcb	hcb	PROPN
fsr-3464	171	12	nor	nor	CCONJ
fsr-3464	171	13	have	have	VERB
fsr-3464	171	14	a	a	DET
fsr-3464	171	15	plan	plan	NOUN
fsr-3464	171	16	loan	loan	NOUN
fsr-3464	171	17	,	,	PUNCT
fsr-3464	171	18	88	88	NUM
fsr-3464	171	19	%	%	NOUN
fsr-3464	171	20	answered	answer	VERB
fsr-3464	171	21	the	the	DET
fsr-3464	171	22	interest	interest	NOUN
fsr-3464	171	23	rate	rate	NOUN
fsr-3464	171	24	question	question	NOUN
fsr-3464	171	25	correctly	correctly	ADV
fsr-3464	171	26	,	,	PUNCT
fsr-3464	171	27	75	75	NUM
fsr-3464	171	28	%	%	NOUN
fsr-3464	171	29	answered	answer	VERB
fsr-3464	171	30	the	the	DET
fsr-3464	171	31	inflation	inflation	NOUN
fsr-3464	171	32	question	question	NOUN
fsr-3464	171	33	correctly	correctly	ADV
fsr-3464	171	34	,	,	PUNCT
fsr-3464	171	35	and	and	CCONJ
fsr-3464	171	36	67	67	NUM
fsr-3464	171	37	%	%	NOUN
fsr-3464	171	38	answered	answer	VERB
fsr-3464	171	39	the	the	DET
fsr-3464	171	40	risk	risk	NOUN
fsr-3464	171	41	diversification	diversification	NOUN
fsr-3464	171	42	question	question	NOUN
fsr-3464	171	43	right	right	ADJ
fsr-3464	171	44	.	.	PUNCT
fsr-3464	172	1	table	table	NOUN
fsr-3464	172	2	2	2	NUM
fsr-3464	172	3	shows	show	VERB
fsr-3464	172	4	the	the	DET
fsr-3464	172	5	weighted	weight	VERB
fsr-3464	172	6	frequency	frequency	NOUN
fsr-3464	172	7	distributions	distribution	NOUN
fsr-3464	172	8	of	of	ADP
fsr-3464	172	9	respondents	respondent	NOUN
fsr-3464	172	10	’	'	PUNCT
fsr-3464	172	11	financial	financial	ADJ
fsr-3464	172	12	capacity	capacity	NOUN
fsr-3464	172	13	and	and	CCONJ
fsr-3464	172	14	improper	improper	ADJ
fsr-3464	172	15	borrowing	borrowing	NOUN
fsr-3464	172	16	in	in	ADP
fsr-3464	172	17	the	the	DET
fsr-3464	172	18	full	full	ADJ
fsr-3464	172	19	sample	sample	NOUN
fsr-3464	172	20	and	and	CCONJ
fsr-3464	172	21	by	by	ADP
fsr-3464	172	22	household	household	NOUN
fsr-3464	172	23	groups	group	NOUN
fsr-3464	172	24	full	full	ADJ
fsr-3464	172	25	retirement	retirement	NOUN
fsr-3464	172	26	plan	plan	NOUN
fsr-3464	172	27	loan	loan	VERB
fsr-3464	172	28	no	no	DET
fsr-3464	172	29	retirement	retirement	NOUN
fsr-3464	172	30	plan	plan	NOUN
fsr-3464	172	31	loan	loan	VERB
fsr-3464	172	32	high	high	ADJ
fsr-3464	172	33	-	-	PUNCT
fsr-3464	172	34	cost	cost	NOUN
fsr-3464	172	35	borrowing	borrowing	NOUN
fsr-3464	172	36	no	no	DET
fsr-3464	172	37	high	high	ADJ
fsr-3464	172	38	-	-	PUNCT
fsr-3464	172	39	cost	cost	NOUN
fsr-3464	172	40	borrowing	borrowing	NOUN
fsr-3464	172	41	variable	variable	ADJ
fsr-3464	172	42	n	n	NOUN
fsr-3464	172	43	=	=	SYM
fsr-3464	172	44	10,560	10,560	NUM
fsr-3464	172	45	n=	n=	ADJ
fsr-3464	172	46	1,523	1,523	NUM
fsr-3464	172	47	n=	n=	ADJ
fsr-3464	172	48	9,037	9,037	NUM
fsr-3464	172	49	n=	n=	ADJ
fsr-3464	172	50	2,336	2,336	NUM
fsr-3464	172	51	n=	n=	ADJ
fsr-3464	172	52	8,224	8,224	NUM
fsr-3464	172	53	financial	financial	ADJ
fsr-3464	172	54	capacity	capacity	NOUN
fsr-3464	172	55	cash	cash	NOUN
fsr-3464	172	56	surplus	surplus	NOUN
fsr-3464	172	57	49	49	NUM
fsr-3464	172	58	%	%	NOUN
fsr-3464	172	59	35	35	NUM
fsr-3464	172	60	%	%	NOUN
fsr-3464	172	61	51	51	NUM
fsr-3464	172	62	%	%	NOUN
fsr-3464	172	63	36	36	NUM
fsr-3464	172	64	%	%	NOUN
fsr-3464	172	65	53	53	NUM
fsr-3464	172	66	%	%	NOUN
fsr-3464	172	67	emergency	emergency	NOUN
fsr-3464	172	68	fund	fund	NOUN
fsr-3464	172	69	57	57	NUM
fsr-3464	172	70	%	%	NOUN
fsr-3464	172	71	52	52	NUM
fsr-3464	172	72	%	%	NOUN
fsr-3464	172	73	58	58	NUM
fsr-3464	172	74	%	%	NOUN
fsr-3464	172	75	51	51	NUM
fsr-3464	172	76	%	%	NOUN
fsr-3464	172	77	59	59	NUM
fsr-3464	172	78	%	%	NOUN
fsr-3464	172	79	drop	drop	NOUN
fsr-3464	172	80	in	in	ADP
fsr-3464	172	81	income	income	NOUN
fsr-3464	172	82	22	22	NUM
fsr-3464	172	83	%	%	NOUN
fsr-3464	172	84	50	50	NUM
fsr-3464	172	85	%	%	NOUN
fsr-3464	172	86	16	16	NUM
fsr-3464	172	87	%	%	NOUN
fsr-3464	172	88	42	42	NUM
fsr-3464	172	89	%	%	NOUN
fsr-3464	172	90	15	15	NUM
fsr-3464	172	91	%	%	NOUN
fsr-3464	172	92	home	home	NOUN
fsr-3464	172	93	owner	owner	NOUN
fsr-3464	172	94	75	75	NUM
fsr-3464	172	95	%	%	NOUN
fsr-3464	172	96	79	79	NUM
fsr-3464	172	97	%	%	NOUN
fsr-3464	172	98	74	74	NUM
fsr-3464	172	99	%	%	NOUN
fsr-3464	172	100	68	68	NUM
fsr-3464	172	101	%	%	NOUN
fsr-3464	172	102	45	45	NUM
fsr-3464	172	103	%	%	NOUN
fsr-3464	172	104	health	health	NOUN
fsr-3464	172	105	insurance	insurance	NOUN
fsr-3464	172	106	95	95	NUM
fsr-3464	172	107	%	%	NOUN
fsr-3464	172	108	95	95	NUM
fsr-3464	172	109	%	%	NOUN
fsr-3464	172	110	95	95	NUM
fsr-3464	172	111	%	%	NOUN
fsr-3464	172	112	91	91	NUM
fsr-3464	172	113	%	%	NOUN
fsr-3464	172	114	96	96	NUM
fsr-3464	172	115	%	%	NOUN
fsr-3464	172	116	improper	improper	ADJ
fsr-3464	172	117	borrowing	borrowing	NOUN
fsr-3464	172	118	maxed	maxe	VERB
fsr-3464	172	119	credit	credit	NOUN
fsr-3464	172	120	card	card	NOUN
fsr-3464	172	121	9	9	NUM
fsr-3464	172	122	%	%	NOUN
fsr-3464	172	123	34	34	NUM
fsr-3464	172	124	%	%	NOUN
fsr-3464	172	125	5	5	NUM
fsr-3464	172	126	%	%	NOUN
fsr-3464	172	127	27	27	NUM
fsr-3464	172	128	%	%	NOUN
fsr-3464	172	129	4	4	NUM
fsr-3464	172	130	%	%	NOUN
fsr-3464	172	131	cash	cash	NOUN
fsr-3464	172	132	advance	advance	NOUN
fsr-3464	172	133	12	12	NUM
fsr-3464	172	134	%	%	NOUN
fsr-3464	172	135	34	34	NUM
fsr-3464	172	136	%	%	NOUN
fsr-3464	172	137	8	8	NUM
fsr-3464	172	138	%	%	NOUN
fsr-3464	172	139	32	32	NUM
fsr-3464	172	140	%	%	NOUN
fsr-3464	172	141	6	6	NUM
fsr-3464	172	142	%	%	NOUN
fsr-3464	172	143	bank	bank	NOUN
fsr-3464	172	144	overdraft	overdraft	NOUN
fsr-3464	172	145	22	22	NUM
fsr-3464	172	146	%	%	NOUN
fsr-3464	172	147	55	55	NUM
fsr-3464	172	148	%	%	NOUN
fsr-3464	172	149	16	16	NUM
fsr-3464	172	150	%	%	NOUN
fsr-3464	172	151	48	48	NUM
fsr-3464	172	152	%	%	NOUN
fsr-3464	172	153	14	14	NUM
fsr-3464	172	154	%	%	NOUN
fsr-3464	172	155	table	table	NOUN
fsr-3464	172	156	3	3	NUM
fsr-3464	172	157	shows	show	VERB
fsr-3464	172	158	correct	correct	ADJ
fsr-3464	172	159	answers	answer	NOUN
fsr-3464	172	160	to	to	ADP
fsr-3464	172	161	the	the	DET
fsr-3464	172	162	financial	financial	ADJ
fsr-3464	172	163	literacy	literacy	NOUN
fsr-3464	172	164	questions	question	NOUN
fsr-3464	172	165	by	by	ADP
fsr-3464	172	166	the	the	DET
fsr-3464	172	167	full	full	ADJ
fsr-3464	172	168	sample	sample	NOUN
fsr-3464	172	169	and	and	CCONJ
fsr-3464	172	170	household	household	NOUN
fsr-3464	172	171	groups	group	NOUN
fsr-3464	172	172	.	.	PUNCT
fsr-3464	173	1	panel	panel	NOUN
fsr-3464	173	2	b	b	PROPN
fsr-3464	173	3	highlights	highlight	NOUN
fsr-3464	173	4	the	the	DET
fsr-3464	173	5	distribution	distribution	NOUN
fsr-3464	173	6	by	by	ADP
fsr-3464	173	7	loan	loan	NOUN
fsr-3464	173	8	type	type	NOUN
fsr-3464	173	9	panel	panel	NOUN
fsr-3464	173	10	a	a	DET
fsr-3464	173	11	full	full	ADJ
fsr-3464	173	12	plan	plan	NOUN
fsr-3464	173	13	loan	loan	NOUN
fsr-3464	173	14	no	no	DET
fsr-3464	173	15	plan	plan	NOUN
fsr-3464	173	16	loan	loan	VERB
fsr-3464	173	17	high	high	ADJ
fsr-3464	173	18	-	-	PUNCT
fsr-3464	173	19	cost	cost	NOUN
fsr-3464	173	20	borrowing	borrowing	NOUN
fsr-3464	173	21	no	no	DET
fsr-3464	173	22	high	high	ADJ
fsr-3464	173	23	-	-	PUNCT
fsr-3464	173	24	cost	cost	NOUN
fsr-3464	173	25	borrowing	borrowing	NOUN
fsr-3464	173	26	interest	interest	NOUN
fsr-3464	173	27	rate	rate	NOUN
fsr-3464	173	28	question	question	NOUN
fsr-3464	173	29	84	84	NUM
fsr-3464	173	30	%	%	NOUN
fsr-3464	173	31	70	70	NUM
fsr-3464	173	32	%	%	NOUN
fsr-3464	173	33	87	87	NUM
fsr-3464	173	34	%	%	NOUN
fsr-3464	173	35	72	72	NUM
fsr-3464	173	36	%	%	NOUN
fsr-3464	173	37	88	88	NUM
fsr-3464	173	38	%	%	NOUN
fsr-3464	173	39	inflation	inflation	NOUN
fsr-3464	173	40	question	question	NOUN
fsr-3464	173	41	68	68	NUM
fsr-3464	173	42	%	%	NOUN
fsr-3464	173	43	44	44	NUM
fsr-3464	173	44	%	%	NOUN
fsr-3464	173	45	73	73	NUM
fsr-3464	173	46	%	%	NOUN
fsr-3464	173	47	45	45	NUM
fsr-3464	173	48	%	%	NOUN
fsr-3464	173	49	75	75	NUM
fsr-3464	173	50	%	%	NOUN
fsr-3464	173	51	risk	risk	NOUN
fsr-3464	173	52	diversification	diversification	NOUN
fsr-3464	173	53	question	question	NOUN
fsr-3464	173	54	62	62	NUM
fsr-3464	173	55	%	%	NOUN
fsr-3464	173	56	44	44	NUM
fsr-3464	173	57	%	%	NOUN
fsr-3464	173	58	65	65	NUM
fsr-3464	173	59	%	%	NOUN
fsr-3464	173	60	45	45	NUM
fsr-3464	173	61	%	%	NOUN
fsr-3464	173	62	67	67	NUM
fsr-3464	173	63	%	%	NOUN
fsr-3464	173	64	n	n	CCONJ
fsr-3464	173	65	10,560	10,560	NUM
fsr-3464	173	66	1,523	1,523	NUM
fsr-3464	173	67	9,037	9,037	NUM
fsr-3464	173	68	2,336	2,336	NUM
fsr-3464	173	69	8,224	8,224	NUM
fsr-3464	173	70	panel	panel	NOUN
fsr-3464	173	71	b	b	PROPN
fsr-3464	173	72	full	full	ADJ
fsr-3464	173	73	both	both	CCONJ
fsr-3464	173	74	high	high	ADJ
fsr-3464	173	75	-	-	PUNCT
fsr-3464	173	76	cost	cost	NOUN
fsr-3464	173	77	and	and	CCONJ
fsr-3464	173	78	plan	plan	VERB
fsr-3464	173	79	loan	loan	NOUN
fsr-3464	173	80	high	high	ADJ
fsr-3464	173	81	-	-	PUNCT
fsr-3464	173	82	cost	cost	NOUN
fsr-3464	173	83	only	only	ADJ
fsr-3464	173	84	plan	plan	NOUN
fsr-3464	173	85	loan	loan	NOUN
fsr-3464	173	86	only	only	ADV
fsr-3464	173	87	neither	neither	CCONJ
fsr-3464	173	88	interest	interest	NOUN
fsr-3464	173	89	rate	rate	NOUN
fsr-3464	173	90	question	question	NOUN
fsr-3464	173	91	84	84	NUM
fsr-3464	173	92	%	%	NOUN
fsr-3464	173	93	59	59	NUM
fsr-3464	173	94	%	%	NOUN
fsr-3464	173	95	78	78	NUM
fsr-3464	173	96	%	%	NOUN
fsr-3464	173	97	84	84	NUM
fsr-3464	173	98	%	%	NOUN
fsr-3464	173	99	89	89	NUM
fsr-3464	173	100	%	%	NOUN
fsr-3464	173	101	inflation	inflation	NOUN
fsr-3464	173	102	question	question	NOUN
fsr-3464	173	103	68	68	NUM
fsr-3464	173	104	%	%	NOUN
fsr-3464	173	105	25	25	NUM
fsr-3464	173	106	%	%	NOUN
fsr-3464	173	107	56	56	NUM
fsr-3464	173	108	%	%	NOUN
fsr-3464	173	109	67	67	NUM
fsr-3464	173	110	%	%	NOUN
fsr-3464	173	111	76	76	NUM
fsr-3464	173	112	%	%	NOUN
fsr-3464	173	113	risk	risk	NOUN
fsr-3464	173	114	diversification	diversification	NOUN
fsr-3464	173	115	question	question	NOUN
fsr-3464	173	116	62	62	NUM
fsr-3464	173	117	%	%	NOUN
fsr-3464	173	118	32	32	NUM
fsr-3464	173	119	%	%	NOUN
fsr-3464	173	120	53	53	NUM
fsr-3464	173	121	%	%	NOUN
fsr-3464	173	122	58	58	NUM
fsr-3464	173	123	%	%	NOUN
fsr-3464	173	124	68	68	NUM
fsr-3464	173	125	%	%	NOUN
fsr-3464	173	126	n	n	CCONJ
fsr-3464	173	127	10,560	10,560	NUM
fsr-3464	173	128	790	790	NUM
fsr-3464	173	129	9,037	9,037	NUM
fsr-3464	173	130	733	733	NUM
fsr-3464	173	131	7,491	7,491	NUM
fsr-3464	174	1	t.	t.	PROPN
fsr-3464	174	2	martin	martin	PROPN
fsr-3464	174	3	et	et	PROPN
fsr-3464	174	4	al	al	PROPN
fsr-3464	174	5	.	.	PUNCT
fsr-3464	174	6	/	/	SYM
fsr-3464	174	7	financial	financial	ADJ
fsr-3464	174	8	services	service	NOUN
fsr-3464	174	9	review	review	VERB
fsr-3464	174	10	29	29	NUM
fsr-3464	174	11	(	(	PUNCT
fsr-3464	174	12	2021	2021	NUM
fsr-3464	174	13	)	)	PUNCT
fsr-3464	175	1	293–314	293–314	NUM
fsr-3464	175	2	301	301	NUM
fsr-3464	175	3	t	t	X
fsr-3464	175	4	ab	ab	PROPN
fsr-3464	175	5	le	le	PROPN
fsr-3464	175	6	4	4	NUM
fsr-3464	175	7	b	b	PROPN
fsr-3464	175	8	in	in	ADP
fsr-3464	175	9	ar	ar	PROPN
fsr-3464	175	10	y	y	PROPN
fsr-3464	175	11	lo	lo	PROPN
fsr-3464	175	12	g	g	PROPN
fsr-3464	175	13	is	be	AUX
fsr-3464	175	14	ti	ti	X
fsr-3464	175	15	c	c	NOUN
fsr-3464	175	16	re	re	ADP
fsr-3464	175	17	g	g	PROPN
fsr-3464	175	18	re	re	ADP
fsr-3464	175	19	ss	ss	PROPN
fsr-3464	175	20	io	io	PROPN
fsr-3464	175	21	n	n	ADV
fsr-3464	175	22	o	o	NOUN
fsr-3464	175	23	n	n	ADV
fsr-3464	175	24	th	th	X
fsr-3464	175	25	e	e	PROPN
fsr-3464	175	26	li	li	PROPN
fsr-3464	175	27	k	k	PROPN
fsr-3464	175	28	el	el	PROPN
fsr-3464	176	1	ih	ih	PROPN
fsr-3464	177	1	o	o	X
fsr-3464	178	1	o	o	X
fsr-3464	179	1	d	d	X
fsr-3464	179	2	o	o	X
fsr-3464	179	3	f	f	X
fsr-3464	179	4	ta	ta	X
fsr-3464	179	5	k	k	PROPN
fsr-3464	179	6	in	in	ADP
fsr-3464	179	7	g	g	PROPN
fsr-3464	179	8	a	a	DET
fsr-3464	179	9	re	re	X
fsr-3464	179	10	ti	ti	X
fsr-3464	179	11	re	re	VERB
fsr-3464	179	12	m	m	PROPN
fsr-3464	179	13	en	en	ADP
fsr-3464	179	14	t	t	PROPN
fsr-3464	179	15	p	p	PROPN
fsr-3464	179	16	la	la	PROPN
fsr-3464	179	17	n	n	ADP
fsr-3464	179	18	lo	lo	PROPN
fsr-3464	179	19	an	an	DET
fsr-3464	179	20	v	v	PROPN
fsr-3464	179	21	ar	ar	PROPN
fsr-3464	179	22	ia	ia	PROPN
fsr-3464	179	23	b	b	PROPN
fsr-3464	179	24	le	le	X
fsr-3464	179	25	o	o	PROPN
fsr-3464	180	1	d	d	X
fsr-3464	180	2	d	d	X
fsr-3464	180	3	s	s	VERB
fsr-3464	180	4	ra	ra	NOUN
fsr-3464	180	5	ti	ti	NOUN
fsr-3464	180	6	o	o	NOUN
fsr-3464	181	1	p	p	X
fsr-3464	181	2	o	o	X
fsr-3464	182	1	d	d	X
fsr-3464	182	2	d	d	X
fsr-3464	182	3	s	s	VERB
fsr-3464	182	4	ra	ra	NOUN
fsr-3464	182	5	ti	ti	NOUN
fsr-3464	182	6	o	o	NOUN
fsr-3464	183	1	p	p	X
fsr-3464	183	2	o	o	X
fsr-3464	184	1	d	d	X
fsr-3464	184	2	d	d	X
fsr-3464	184	3	s	s	VERB
fsr-3464	184	4	ra	ra	NOUN
fsr-3464	184	5	ti	ti	NOUN
fsr-3464	184	6	o	o	NOUN
fsr-3464	185	1	p	p	X
fsr-3464	185	2	o	o	X
fsr-3464	186	1	d	d	X
fsr-3464	186	2	d	d	X
fsr-3464	186	3	s	s	VERB
fsr-3464	186	4	ra	ra	NOUN
fsr-3464	186	5	ti	ti	NOUN
fsr-3464	186	6	o	o	NOUN
fsr-3464	187	1	p	p	X
fsr-3464	187	2	o	o	X
fsr-3464	188	1	d	d	X
fsr-3464	188	2	d	d	X
fsr-3464	188	3	s	s	VERB
fsr-3464	188	4	ra	ra	NOUN
fsr-3464	188	5	ti	ti	NOUN
fsr-3464	188	6	o	o	NOUN
fsr-3464	188	7	p	p	NOUN
fsr-3464	188	8	in	in	ADP
fsr-3464	188	9	te	te	PROPN
fsr-3464	188	10	rc	rc	PROPN
fsr-3464	188	11	ep	ep	PROPN
fsr-3464	188	12	t	t	PROPN
fsr-3464	188	13	0	0	NUM
fsr-3464	189	1	.2	.2	NUM
fsr-3464	189	2	6	6	NUM
fsr-3464	190	1	*	*	PUNCT
fsr-3464	190	2	*	*	PUNCT
fsr-3464	191	1	*	*	PUNCT
fsr-3464	191	2	0	0	PUNCT
fsr-3464	192	1	.2	.2	NUM
fsr-3464	192	2	7	7	NUM
fsr-3464	193	1	*	*	PUNCT
fsr-3464	193	2	*	*	PUNCT
fsr-3464	193	3	*	*	PUNCT
fsr-3464	193	4	0	0	NUM
fsr-3464	193	5	.1	.1	NUM
fsr-3464	193	6	9	9	NUM
fsr-3464	193	7	*	*	PUNCT
fsr-3464	194	1	*	*	PUNCT
fsr-3464	194	2	*	*	PUNCT
fsr-3464	194	3	0	0	NUM
fsr-3464	195	1	.0	.0	NUM
fsr-3464	195	2	9	9	NUM
fsr-3464	195	3	*	*	PUNCT
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fsr-3464	196	2	*	*	PUNCT
fsr-3464	196	3	0	0	NUM
fsr-3464	197	1	.0	.0	NUM
fsr-3464	197	2	9	9	NUM
fsr-3464	197	3	*	*	PUNCT
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fsr-3464	198	3	f	f	X
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fsr-3464	198	5	an	an	DET
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fsr-3464	198	7	al	al	PROPN
fsr-3464	198	8	li	li	PROPN
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fsr-3464	199	2	ra	ra	PROPN
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fsr-3464	199	5	a	a	DET
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fsr-3464	199	8	rr	rr	PROPN
fsr-3464	199	9	ec	ec	PROPN
fsr-3464	199	10	t	t	PROPN
fsr-3464	199	11	)	)	PUNCT
fsr-3464	199	12	0	0	NUM
fsr-3464	200	1	.3	.3	NUM
fsr-3464	200	2	7	7	NUM
fsr-3464	201	1	*	*	PUNCT
fsr-3464	202	1	*	*	PUNCT
fsr-3464	203	1	*	*	PUNCT
fsr-3464	203	2	0	0	NUM
fsr-3464	203	3	.3	.3	NUM
fsr-3464	203	4	9	9	NUM
fsr-3464	203	5	*	*	PUNCT
fsr-3464	204	1	*	*	PUNCT
fsr-3464	205	1	*	*	PUNCT
fsr-3464	205	2	0	0	NUM
fsr-3464	206	1	.4	.4	NUM
fsr-3464	206	2	2	2	NUM
fsr-3464	206	3	*	*	PUNCT
fsr-3464	206	4	*	*	PUNCT
fsr-3464	207	1	*	*	PUNCT
fsr-3464	207	2	0	0	NUM
fsr-3464	208	1	.4	.4	NUM
fsr-3464	208	2	6	6	NUM
fsr-3464	208	3	*	*	PUNCT
fsr-3464	208	4	*	*	PUNCT
fsr-3464	209	1	*	*	PUNCT
fsr-3464	209	2	0	0	NUM
fsr-3464	210	1	.5	.5	NUM
fsr-3464	210	2	6	6	NUM
fsr-3464	210	3	*	*	PUNCT
fsr-3464	211	1	*	*	PUNCT
fsr-3464	211	2	*	*	PUNCT
fsr-3464	211	3	s	s	X
fsr-3464	211	4	o	o	NOUN
fsr-3464	211	5	ci	ci	NOUN
fsr-3464	211	6	o	o	NOUN
fsr-3464	212	1	-d	-d	PUNCT
fsr-3464	212	2	em	em	PRON
fsr-3464	213	1	o	o	INTJ
fsr-3464	214	1	g	g	NOUN
fsr-3464	214	2	ra	ra	PROPN
fsr-3464	215	1	p	p	NOUN
fsr-3464	215	2	h	h	NOUN
fsr-3464	216	1	ic	ic	PROPN
fsr-3464	216	2	m	m	VERB
fsr-3464	216	3	al	al	PROPN
fsr-3464	216	4	e	e	PROPN
fsr-3464	216	5	1	1	NUM
fsr-3464	216	6	.2	.2	NUM
fsr-3464	216	7	5	5	NUM
fsr-3464	216	8	*	*	PUNCT
fsr-3464	216	9	*	*	PUNCT
fsr-3464	217	1	*	*	PUNCT
fsr-3464	217	2	1	1	NUM
fsr-3464	217	3	.0	.0	NUM
fsr-3464	217	4	7	7	NUM
fsr-3464	217	5	1	1	NUM
fsr-3464	217	6	.1	.1	NUM
fsr-3464	217	7	5	5	NUM
fsr-3464	217	8	*	*	PUNCT
fsr-3464	217	9	*	*	PUNCT
fsr-3464	217	10	1	1	NUM
fsr-3464	217	11	.1	.1	NUM
fsr-3464	217	12	5	5	NUM
fsr-3464	217	13	*	*	PUNCT
fsr-3464	217	14	*	*	PUNCT
fsr-3464	218	1	w	w	NOUN
fsr-3464	218	2	h	h	NOUN
fsr-3464	218	3	it	it	PRON
fsr-3464	218	4	e	e	X
fsr-3464	218	5	0	0	NUM
fsr-3464	218	6	.7	.7	NUM
fsr-3464	218	7	8	8	NUM
fsr-3464	219	1	*	*	PUNCT
fsr-3464	220	1	*	*	PUNCT
fsr-3464	221	1	*	*	PUNCT
fsr-3464	221	2	0	0	NUM
fsr-3464	221	3	.8	.8	NUM
fsr-3464	221	4	3	3	NUM
fsr-3464	222	1	*	*	PUNCT
fsr-3464	222	2	*	*	PUNCT
fsr-3464	222	3	0	0	NUM
fsr-3464	223	1	.8	.8	NUM
fsr-3464	223	2	3	3	NUM
fsr-3464	224	1	*	*	PUNCT
fsr-3464	224	2	*	*	PUNCT
fsr-3464	224	3	0	0	NUM
fsr-3464	225	1	.8	.8	NUM
fsr-3464	225	2	3	3	NUM
fsr-3464	226	1	*	*	PUNCT
fsr-3464	226	2	*	*	PUNCT
fsr-3464	226	3	3	3	NUM
fsr-3464	226	4	5	5	NUM
fsr-3464	226	5	–	–	PUNCT
fsr-3464	226	6	4	4	NUM
fsr-3464	226	7	4	4	NUM
fsr-3464	226	8	0	0	NUM
fsr-3464	226	9	.7	.7	NUM
fsr-3464	226	10	4	4	NUM
fsr-3464	226	11	*	*	PUNCT
fsr-3464	227	1	*	*	PUNCT
fsr-3464	228	1	*	*	PUNCT
fsr-3464	228	2	0	0	NUM
fsr-3464	228	3	.8	.8	NUM
fsr-3464	228	4	1	1	NUM
fsr-3464	229	1	*	*	PUNCT
fsr-3464	229	2	*	*	PUNCT
fsr-3464	229	3	0	0	NUM
fsr-3464	229	4	.8	.8	NUM
fsr-3464	229	5	0	0	PUNCT
fsr-3464	230	1	*	*	PUNCT
fsr-3464	231	1	*	*	PUNCT
fsr-3464	231	2	0	0	NUM
fsr-3464	231	3	.8	.8	NUM
fsr-3464	231	4	1	1	NUM
fsr-3464	232	1	*	*	PUNCT
fsr-3464	232	2	*	*	PUNCT
fsr-3464	232	3	4	4	NUM
fsr-3464	232	4	5	5	NUM
fsr-3464	232	5	–	–	PUNCT
fsr-3464	232	6	5	5	NUM
fsr-3464	232	7	4	4	NUM
fsr-3464	232	8	0	0	NUM
fsr-3464	232	9	.6	.6	NUM
fsr-3464	232	10	4	4	NUM
fsr-3464	232	11	*	*	PUNCT
fsr-3464	233	1	*	*	PUNCT
fsr-3464	233	2	*	*	PUNCT
fsr-3464	233	3	0	0	NUM
fsr-3464	234	1	.7	.7	NUM
fsr-3464	234	2	3	3	NUM
fsr-3464	234	3	*	*	PUNCT
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fsr-3464	236	1	*	*	PUNCT
fsr-3464	236	2	0	0	NUM
fsr-3464	237	1	.7	.7	NUM
fsr-3464	237	2	1	1	NUM
fsr-3464	237	3	*	*	PUNCT
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fsr-3464	239	1	*	*	PUNCT
fsr-3464	239	2	0	0	NUM
fsr-3464	240	1	.7	.7	NUM
fsr-3464	240	2	2	2	NUM
fsr-3464	240	3	*	*	PUNCT
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fsr-3464	240	5	*	*	PUNCT
fsr-3464	240	6	m	m	PROPN
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fsr-3464	240	9	ed	ed	PROPN
fsr-3464	240	10	1	1	NUM
fsr-3464	240	11	.1	.1	NUM
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fsr-3464	240	14	1	1	NUM
fsr-3464	241	1	.2	.2	NUM
fsr-3464	241	2	0	0	NUM
fsr-3464	242	1	*	*	PUNCT
fsr-3464	242	2	*	*	PUNCT
fsr-3464	242	3	1	1	NUM
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fsr-3464	242	5	0	0	NUM
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fsr-3464	242	8	0	0	NUM
fsr-3464	242	9	2	2	NUM
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fsr-3464	242	11	,	,	PUNCT
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fsr-3464	242	15	–	–	PUNCT
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fsr-3464	243	1	3	3	NUM
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fsr-3464	243	4	4	4	NUM
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fsr-3464	243	7	,	,	PUNCT
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fsr-3464	243	11	–	–	PUNCT
fsr-3464	243	12	4	4	NUM
fsr-3464	243	13	9	9	NUM
fsr-3464	243	14	,	,	PUNCT
fsr-3464	243	15	9	9	NUM
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fsr-3464	243	21	*	*	SYM
fsr-3464	243	22	0	0	NUM
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fsr-3464	243	24	5	5	NUM
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fsr-3464	244	4	8	8	NUM
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fsr-3464	244	7	,	,	PUNCT
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fsr-3464	244	11	–	–	PUNCT
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fsr-3464	244	17	9	9	NUM
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fsr-3464	244	21	*	*	SYM
fsr-3464	244	22	0	0	NUM
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fsr-3464	244	24	1	1	NUM
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fsr-3464	244	26	.9	.9	NUM
fsr-3464	245	1	6	6	NUM
fsr-3464	245	2	0	0	NUM
fsr-3464	245	3	.9	.9	NUM
fsr-3464	245	4	8	8	NUM
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fsr-3464	245	6	5	5	NUM
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fsr-3464	245	10	0	0	NUM
fsr-3464	245	11	–	–	PUNCT
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fsr-3464	245	18	0	0	NUM
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fsr-3464	245	20	2	2	NUM
fsr-3464	245	21	0	0	NUM
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fsr-3464	245	29	1	1	NUM
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fsr-3464	245	36	0	0	NUM
fsr-3464	245	37	–	–	PUNCT
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fsr-3464	245	45	0	0	NUM
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fsr-3464	245	47	5	5	NUM
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fsr-3464	245	50	9	9	NUM
fsr-3464	245	51	1	1	NUM
fsr-3464	245	52	.2	.2	NUM
fsr-3464	245	53	0	0	NUM
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fsr-3464	249	5	1	1	NUM
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fsr-3464	249	8	e	e	PROPN
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fsr-3464	280	4	en	en	PROPN
fsr-3464	280	5	ce	ce	PROPN
fsr-3464	280	6	v	v	PROPN
fsr-3464	280	7	ar	ar	PROPN
fsr-3464	280	8	ia	ia	PROPN
fsr-3464	280	9	b	b	PROPN
fsr-3464	280	10	le	le	PROPN
fsr-3464	280	11	s	s	PROPN
fsr-3464	280	12	n	n	PRON
fsr-3464	280	13	o	o	X
fsr-3464	280	14	t	t	NOUN
fsr-3464	280	15	in	in	ADP
fsr-3464	280	16	cl	cl	NOUN
fsr-3464	280	17	u	u	PROPN
fsr-3464	281	1	d	d	NOUN
fsr-3464	281	2	ed	ed	NOUN
fsr-3464	281	3	in	in	ADP
fsr-3464	281	4	re	re	PROPN
fsr-3464	281	5	g	g	PROPN
fsr-3464	281	6	re	re	ADP
fsr-3464	281	7	ss	ss	PROPN
fsr-3464	281	8	io	io	PROPN
fsr-3464	281	9	n	n	PROPN
fsr-3464	281	10	:	:	PUNCT
fsr-3464	281	11	ag	ag	PROPN
fsr-3464	281	12	e	e	PROPN
fsr-3464	281	13	2	2	NUM
fsr-3464	281	14	5	5	NUM
fsr-3464	281	15	–	–	PUNCT
fsr-3464	281	16	3	3	NUM
fsr-3464	281	17	4	4	NUM
fsr-3464	281	18	,	,	PUNCT
fsr-3464	281	19	in	in	ADP
fsr-3464	281	20	co	co	NOUN
fsr-3464	281	21	m	m	PROPN
fsr-3464	281	22	e	e	PROPN
fsr-3464	281	23	lo	lo	PROPN
fsr-3464	281	24	w	w	PROPN
fsr-3464	281	25	er	er	INTJ
fsr-3464	281	26	th	th	X
fsr-3464	281	27	an	an	DET
fsr-3464	281	28	$	$	SYM
fsr-3464	281	29	2	2	NUM
fsr-3464	281	30	5	5	NUM
fsr-3464	281	31	,	,	PUNCT
fsr-3464	281	32	0	0	NUM
fsr-3464	281	33	0	0	NUM
fsr-3464	281	34	0	0	NUM
fsr-3464	281	35	,	,	PUNCT
fsr-3464	281	36	n	n	NOUN
fsr-3464	281	37	o	o	NOUN
fsr-3464	281	38	fi	fi	NOUN
fsr-3464	281	39	n	n	CCONJ
fsr-3464	281	40	an	an	DET
fsr-3464	281	41	ci	ci	NOUN
fsr-3464	281	42	al	al	PROPN
fsr-3464	281	43	ly	ly	PROPN
fsr-3464	282	1	d	d	X
fsr-3464	282	2	ep	ep	PROPN
fsr-3464	282	3	en	en	PROPN
fsr-3464	282	4	d	d	PROPN
fsr-3464	282	5	en	en	PROPN
fsr-3464	282	6	t	t	PROPN
fsr-3464	282	7	ch	ch	PROPN
fsr-3464	282	8	il	il	PROPN
fsr-3464	282	9	d	d	PROPN
fsr-3464	282	10	re	re	X
fsr-3464	282	11	n	n	PROPN
fsr-3464	282	12	,	,	PUNCT
fsr-3464	282	13	se	se	X
fsr-3464	282	14	lf	lf	ADP
fsr-3464	282	15	-e	-e	PROPN
fsr-3464	282	16	m	m	PROPN
fsr-3464	282	17	p	p	PROPN
fsr-3464	282	18	lo	lo	PROPN
fsr-3464	282	19	y	y	PROPN
fsr-3464	282	20	ed	ed	PROPN
fsr-3464	282	21	,	,	PUNCT
fsr-3464	282	22	lo	lo	PROPN
fsr-3464	282	23	w	w	PROPN
fsr-3464	282	24	es	es	X
fsr-3464	282	25	t	t	PROPN
fsr-3464	282	26	ri	ri	INTJ
fsr-3464	282	27	sk	sk	VERB
fsr-3464	282	28	to	to	ADP
fsr-3464	282	29	le	le	PROPN
fsr-3464	282	30	ra	ra	PROPN
fsr-3464	282	31	n	n	PROPN
fsr-3464	282	32	ce	ce	PROPN
fsr-3464	282	33	.	.	PUNCT
fsr-3464	283	1	*	*	PUNCT
fsr-3464	284	1	*	*	PUNCT
fsr-3464	284	2	*	*	PUNCT
fsr-3464	284	3	p	p	X
fsr-3464	284	4	<	<	X
fsr-3464	284	5	.0	.0	NUM
fsr-3464	284	6	1	1	NUM
fsr-3464	284	7	,	,	PUNCT
fsr-3464	284	8	*	*	PUNCT
fsr-3464	284	9	*	*	PUNCT
fsr-3464	285	1	p	p	X
fsr-3464	285	2	<	<	X
fsr-3464	285	3	.0	.0	NUM
fsr-3464	285	4	5	5	NUM
fsr-3464	285	5	,	,	PUNCT
fsr-3464	285	6	*	*	PUNCT
fsr-3464	285	7	p	p	X
fsr-3464	285	8	<	<	X
fsr-3464	285	9	.1	.1	NUM
fsr-3464	285	10	.	.	PUNCT
fsr-3464	286	1	302	302	NUM
fsr-3464	286	2	t.	t.	PROPN
fsr-3464	286	3	martin	martin	PROPN
fsr-3464	286	4	et	et	PROPN
fsr-3464	286	5	al	al	PROPN
fsr-3464	286	6	.	.	PUNCT
fsr-3464	286	7	/	/	SYM
fsr-3464	286	8	financial	financial	ADJ
fsr-3464	286	9	services	service	NOUN
fsr-3464	286	10	review	review	VERB
fsr-3464	286	11	29	29	NUM
fsr-3464	286	12	(	(	PUNCT
fsr-3464	286	13	2021	2021	NUM
fsr-3464	286	14	)	)	PUNCT
fsr-3464	286	15	293–314	293–314	NUM
fsr-3464	286	16	5	5	NUM
fsr-3464	286	17	.	.	PUNCT
fsr-3464	287	1	empirical	empirical	ADJ
fsr-3464	287	2	results	result	NOUN
fsr-3464	287	3	5.1	5.1	NUM
fsr-3464	287	4	.	.	PUNCT
fsr-3464	288	1	financial	financial	ADJ
fsr-3464	288	2	literacy	literacy	NOUN
fsr-3464	288	3	and	and	CCONJ
fsr-3464	288	4	retirement	retirement	NOUN
fsr-3464	288	5	plan	plan	NOUN
fsr-3464	288	6	loans	loan	NOUN
fsr-3464	288	7	table	table	NOUN
fsr-3464	288	8	4	4	NUM
fsr-3464	288	9	provides	provide	VERB
fsr-3464	288	10	the	the	DET
fsr-3464	288	11	logistic	logistic	ADJ
fsr-3464	288	12	regression	regression	NOUN
fsr-3464	288	13	results	result	NOUN
fsr-3464	288	14	,	,	PUNCT
fsr-3464	288	15	displaying	display	VERB
fsr-3464	288	16	the	the	DET
fsr-3464	288	17	likelihood	likelihood	NOUN
fsr-3464	288	18	of	of	ADP
fsr-3464	288	19	respondents	respondent	NOUN
fsr-3464	288	20	stating	state	VERB
fsr-3464	288	21	that	that	SCONJ
fsr-3464	288	22	they	they	PRON
fsr-3464	288	23	used	use	VERB
fsr-3464	288	24	a	a	DET
fsr-3464	288	25	retirement	retirement	NOUN
fsr-3464	288	26	-	-	PUNCT
fsr-3464	288	27	plan	plan	NOUN
fsr-3464	288	28	loan	loan	NOUN
fsr-3464	288	29	in	in	ADP
fsr-3464	288	30	the	the	DET
fsr-3464	288	31	past	past	ADJ
fsr-3464	288	32	12	12	NUM
fsr-3464	288	33	months	month	NOUN
fsr-3464	288	34	.	.	PUNCT
fsr-3464	289	1	the	the	DET
fsr-3464	289	2	first	first	ADJ
fsr-3464	289	3	column	column	NOUN
fsr-3464	289	4	of	of	ADP
fsr-3464	289	5	our	our	PRON
fsr-3464	289	6	table	table	NOUN
fsr-3464	289	7	shows	show	VERB
fsr-3464	289	8	that	that	SCONJ
fsr-3464	289	9	those	those	PRON
fsr-3464	289	10	who	who	PRON
fsr-3464	289	11	are	be	AUX
fsr-3464	289	12	financially	financially	ADV
fsr-3464	289	13	literate	literate	ADJ
fsr-3464	289	14	are	be	AUX
fsr-3464	289	15	63	63	NUM
fsr-3464	289	16	%	%	NOUN
fsr-3464	289	17	less	less	ADV
fsr-3464	289	18	likely	likely	ADJ
fsr-3464	289	19	to	to	PART
fsr-3464	289	20	have	have	VERB
fsr-3464	289	21	a	a	DET
fsr-3464	289	22	plan	plan	NOUN
fsr-3464	289	23	loan	loan	NOUN
fsr-3464	289	24	.	.	PUNCT
fsr-3464	290	1	in	in	ADP
fsr-3464	290	2	column	column	NOUN
fsr-3464	290	3	2	2	NUM
fsr-3464	290	4	,	,	PUNCT
fsr-3464	290	5	we	we	PRON
fsr-3464	290	6	add	add	VERB
fsr-3464	290	7	a	a	DET
fsr-3464	290	8	set	set	NOUN
fsr-3464	290	9	of	of	ADP
fsr-3464	290	10	demographic	demographic	ADJ
fsr-3464	290	11	characteristics	characteristic	NOUN
fsr-3464	290	12	,	,	PUNCT
fsr-3464	290	13	such	such	ADJ
fsr-3464	290	14	as	as	ADP
fsr-3464	290	15	a	a	DET
fsr-3464	290	16	household	household	NOUN
fsr-3464	290	17	’s	’s	PART
fsr-3464	290	18	estimated	estimate	VERB
fsr-3464	290	19	annual	annual	ADJ
fsr-3464	290	20	income	income	NOUN
fsr-3464	290	21	and	and	CCONJ
fsr-3464	290	22	the	the	DET
fsr-3464	290	23	number	number	NOUN
fsr-3464	290	24	of	of	ADP
fsr-3464	290	25	children	child	NOUN
fsr-3464	290	26	who	who	PRON
fsr-3464	290	27	financially	financially	ADV
fsr-3464	290	28	depend	depend	VERB
fsr-3464	290	29	on	on	ADP
fsr-3464	290	30	this	this	DET
fsr-3464	290	31	income	income	NOUN
fsr-3464	290	32	,	,	PUNCT
fsr-3464	290	33	gender	gender	NOUN
fsr-3464	290	34	,	,	PUNCT
fsr-3464	290	35	ethnicity	ethnicity	NOUN
fsr-3464	290	36	,	,	PUNCT
fsr-3464	290	37	and	and	CCONJ
fsr-3464	290	38	age	age	NOUN
fsr-3464	290	39	.	.	PUNCT
fsr-3464	291	1	we	we	PRON
fsr-3464	291	2	observe	observe	VERB
fsr-3464	291	3	that	that	SCONJ
fsr-3464	291	4	financial	financial	ADJ
fsr-3464	291	5	literacy	literacy	NOUN
fsr-3464	291	6	reduces	reduce	VERB
fsr-3464	291	7	the	the	DET
fsr-3464	291	8	likelihood	likelihood	NOUN
fsr-3464	291	9	of	of	ADP
fsr-3464	291	10	taking	take	VERB
fsr-3464	291	11	out	out	ADP
fsr-3464	291	12	a	a	DET
fsr-3464	291	13	plan	plan	NOUN
fsr-3464	291	14	loan	loan	NOUN
fsr-3464	291	15	by	by	ADP
fsr-3464	291	16	61	61	NUM
fsr-3464	291	17	%	%	NOUN
fsr-3464	291	18	.	.	PUNCT
fsr-3464	292	1	we	we	PRON
fsr-3464	292	2	also	also	ADV
fsr-3464	292	3	find	find	VERB
fsr-3464	292	4	that	that	SCONJ
fsr-3464	292	5	the	the	DET
fsr-3464	292	6	use	use	NOUN
fsr-3464	292	7	of	of	ADP
fsr-3464	292	8	plan	plan	NOUN
fsr-3464	292	9	loans	loan	NOUN
fsr-3464	292	10	varies	vary	VERB
fsr-3464	292	11	strongly	strongly	ADV
fsr-3464	292	12	with	with	ADP
fsr-3464	292	13	gender	gender	NOUN
fsr-3464	292	14	,	,	PUNCT
fsr-3464	292	15	as	as	SCONJ
fsr-3464	292	16	males	male	NOUN
fsr-3464	292	17	are	be	AUX
fsr-3464	292	18	25	25	NUM
fsr-3464	292	19	%	%	NOUN
fsr-3464	292	20	more	more	ADV
fsr-3464	292	21	likely	likely	ADJ
fsr-3464	292	22	to	to	PART
fsr-3464	292	23	have	have	VERB
fsr-3464	292	24	a	a	DET
fsr-3464	292	25	plan	plan	NOUN
fsr-3464	292	26	loan	loan	NOUN
fsr-3464	292	27	compared	compare	VERB
fsr-3464	292	28	with	with	ADP
fsr-3464	292	29	females	female	NOUN
fsr-3464	292	30	.	.	PUNCT
fsr-3464	293	1	moreover	moreover	ADV
fsr-3464	293	2	,	,	PUNCT
fsr-3464	293	3	being	be	AUX
fsr-3464	293	4	white	white	ADJ
fsr-3464	293	5	decreases	decrease	VERB
fsr-3464	293	6	the	the	DET
fsr-3464	293	7	likelihood	likelihood	NOUN
fsr-3464	293	8	of	of	ADP
fsr-3464	293	9	having	have	VERB
fsr-3464	293	10	a	a	DET
fsr-3464	293	11	plan	plan	NOUN
fsr-3464	293	12	loan	loan	NOUN
fsr-3464	293	13	by	by	ADP
fsr-3464	293	14	22	22	NUM
fsr-3464	293	15	%	%	NOUN
fsr-3464	293	16	relative	relative	ADJ
fsr-3464	293	17	to	to	ADP
fsr-3464	293	18	nonwhites	nonwhite	NOUN
fsr-3464	293	19	.	.	PUNCT
fsr-3464	294	1	we	we	PRON
fsr-3464	294	2	also	also	ADV
fsr-3464	294	3	observe	observe	VERB
fsr-3464	294	4	a	a	DET
fsr-3464	294	5	strong	strong	ADJ
fsr-3464	294	6	relationship	relationship	NOUN
fsr-3464	294	7	between	between	ADP
fsr-3464	294	8	age	age	NOUN
fsr-3464	294	9	and	and	CCONJ
fsr-3464	294	10	the	the	DET
fsr-3464	294	11	likelihood	likelihood	NOUN
fsr-3464	294	12	of	of	ADP
fsr-3464	294	13	having	have	VERB
fsr-3464	294	14	a	a	DET
fsr-3464	294	15	plan	plan	NOUN
fsr-3464	294	16	loan	loan	NOUN
fsr-3464	294	17	.	.	PUNCT
fsr-3464	295	1	as	as	SCONJ
fsr-3464	295	2	individuals	individual	NOUN
fsr-3464	295	3	get	get	VERB
fsr-3464	295	4	older	old	ADJ
fsr-3464	295	5	,	,	PUNCT
fsr-3464	295	6	the	the	DET
fsr-3464	295	7	odds	odd	NOUN
fsr-3464	295	8	of	of	ADP
fsr-3464	295	9	taking	take	VERB
fsr-3464	295	10	a	a	DET
fsr-3464	295	11	retirement	retirement	NOUN
fsr-3464	295	12	plan	plan	NOUN
fsr-3464	295	13	loan	loan	NOUN
fsr-3464	295	14	decreases	decrease	VERB
fsr-3464	295	15	.	.	PUNCT
fsr-3464	296	1	with	with	ADP
fsr-3464	296	2	regards	regard	NOUN
fsr-3464	296	3	to	to	ADP
fsr-3464	296	4	children	child	NOUN
fsr-3464	296	5	,	,	PUNCT
fsr-3464	296	6	the	the	DET
fsr-3464	296	7	presence	presence	NOUN
fsr-3464	296	8	of	of	ADP
fsr-3464	296	9	dependents	dependent	NOUN
fsr-3464	296	10	within	within	ADP
fsr-3464	296	11	a	a	DET
fsr-3464	296	12	household	household	NOUN
fsr-3464	296	13	increases	increase	VERB
fsr-3464	296	14	the	the	DET
fsr-3464	296	15	odds	odd	NOUN
fsr-3464	296	16	of	of	ADP
fsr-3464	296	17	taking	take	VERB
fsr-3464	296	18	a	a	DET
fsr-3464	296	19	retirement	retirement	NOUN
fsr-3464	296	20	loan	loan	NOUN
fsr-3464	296	21	.	.	PUNCT
fsr-3464	297	1	in	in	ADP
fsr-3464	297	2	column	column	NOUN
fsr-3464	297	3	3	3	NUM
fsr-3464	297	4	,	,	PUNCT
fsr-3464	297	5	we	we	PRON
fsr-3464	297	6	add	add	VERB
fsr-3464	297	7	a	a	DET
fsr-3464	297	8	set	set	NOUN
fsr-3464	297	9	of	of	ADP
fsr-3464	297	10	variables	variable	NOUN
fsr-3464	297	11	that	that	PRON
fsr-3464	297	12	measure	measure	VERB
fsr-3464	297	13	the	the	DET
fsr-3464	297	14	level	level	NOUN
fsr-3464	297	15	of	of	ADP
fsr-3464	297	16	risk	risk	NOUN
fsr-3464	297	17	tolerance	tolerance	NOUN
fsr-3464	297	18	.	.	PUNCT
fsr-3464	298	1	we	we	PRON
fsr-3464	298	2	find	find	VERB
fsr-3464	298	3	that	that	SCONJ
fsr-3464	298	4	respondents	respondent	NOUN
fsr-3464	298	5	with	with	ADP
fsr-3464	298	6	the	the	DET
fsr-3464	298	7	highest	high	ADJ
fsr-3464	298	8	risk	risk	NOUN
fsr-3464	298	9	tolerance	tolerance	NOUN
fsr-3464	298	10	level	level	NOUN
fsr-3464	298	11	are	be	AUX
fsr-3464	298	12	222	222	NUM
fsr-3464	298	13	%	%	NOUN
fsr-3464	298	14	more	more	ADV
fsr-3464	298	15	likely	likely	ADJ
fsr-3464	298	16	to	to	PART
fsr-3464	298	17	have	have	VERB
fsr-3464	298	18	a	a	DET
fsr-3464	298	19	plan	plan	NOUN
fsr-3464	298	20	loan	loan	NOUN
fsr-3464	298	21	than	than	ADP
fsr-3464	298	22	those	those	PRON
fsr-3464	298	23	in	in	ADP
fsr-3464	298	24	the	the	DET
fsr-3464	298	25	lowest	low	ADJ
fsr-3464	298	26	risk	risk	NOUN
fsr-3464	298	27	tolerance	tolerance	NOUN
fsr-3464	298	28	class	class	NOUN
fsr-3464	298	29	.	.	PUNCT
fsr-3464	299	1	within	within	ADP
fsr-3464	299	2	the	the	DET
fsr-3464	299	3	fourth	fourth	ADJ
fsr-3464	299	4	column	column	NOUN
fsr-3464	299	5	,	,	PUNCT
fsr-3464	299	6	we	we	PRON
fsr-3464	299	7	complete	complete	VERB
fsr-3464	299	8	our	our	PRON
fsr-3464	299	9	model	model	NOUN
fsr-3464	299	10	by	by	ADP
fsr-3464	299	11	taking	take	VERB
fsr-3464	299	12	into	into	ADP
fsr-3464	299	13	account	account	NOUN
fsr-3464	299	14	financial	financial	ADJ
fsr-3464	299	15	capacity	capacity	NOUN
fsr-3464	299	16	.	.	PUNCT
fsr-3464	300	1	therefore	therefore	ADV
fsr-3464	300	2	,	,	PUNCT
fsr-3464	300	3	we	we	PRON
fsr-3464	300	4	include	include	VERB
fsr-3464	300	5	variables	variable	NOUN
fsr-3464	300	6	that	that	PRON
fsr-3464	300	7	would	would	AUX
fsr-3464	300	8	provide	provide	VERB
fsr-3464	300	9	some	some	DET
fsr-3464	300	10	protection	protection	NOUN
fsr-3464	300	11	against	against	ADP
fsr-3464	300	12	an	an	DET
fsr-3464	300	13	income	income	NOUN
fsr-3464	300	14	or	or	CCONJ
fsr-3464	300	15	wealth	wealth	NOUN
fsr-3464	300	16	shock	shock	NOUN
fsr-3464	300	17	.	.	PUNCT
fsr-3464	301	1	these	these	DET
fsr-3464	301	2	variables	variable	NOUN
fsr-3464	301	3	include	include	VERB
fsr-3464	301	4	having	have	VERB
fsr-3464	301	5	an	an	DET
fsr-3464	301	6	emergency	emergency	NOUN
fsr-3464	301	7	fund	fund	NOUN
fsr-3464	301	8	,	,	PUNCT
fsr-3464	301	9	positive	positive	ADJ
fsr-3464	301	10	cash	cash	NOUN
fsr-3464	301	11	flow	flow	NOUN
fsr-3464	301	12	,	,	PUNCT
fsr-3464	301	13	and	and	CCONJ
fsr-3464	301	14	health	health	NOUN
fsr-3464	301	15	insurance	insurance	NOUN
fsr-3464	301	16	.	.	PUNCT
fsr-3464	302	1	our	our	PRON
fsr-3464	302	2	results	result	NOUN
fsr-3464	302	3	suggest	suggest	VERB
fsr-3464	302	4	that	that	SCONJ
fsr-3464	302	5	individuals	individual	NOUN
fsr-3464	302	6	who	who	PRON
fsr-3464	302	7	have	have	VERB
fsr-3464	302	8	an	an	DET
fsr-3464	302	9	emergency	emergency	NOUN
fsr-3464	302	10	fund	fund	NOUN
fsr-3464	302	11	are	be	AUX
fsr-3464	302	12	35	35	NUM
fsr-3464	302	13	%	%	NOUN
fsr-3464	302	14	less	less	ADV
fsr-3464	302	15	likely	likely	ADJ
fsr-3464	302	16	to	to	PART
fsr-3464	302	17	take	take	VERB
fsr-3464	302	18	a	a	DET
fsr-3464	302	19	loan	loan	NOUN
fsr-3464	302	20	plan	plan	NOUN
fsr-3464	302	21	.	.	PUNCT
fsr-3464	303	1	likewise	likewise	ADV
fsr-3464	303	2	,	,	PUNCT
fsr-3464	303	3	individuals	individual	NOUN
fsr-3464	303	4	with	with	ADP
fsr-3464	303	5	a	a	DET
fsr-3464	303	6	positive	positive	ADJ
fsr-3464	303	7	cash	cash	NOUN
fsr-3464	303	8	flow	flow	NOUN
fsr-3464	303	9	are	be	AUX
fsr-3464	303	10	34	34	NUM
fsr-3464	303	11	%	%	NOUN
fsr-3464	303	12	less	less	ADV
fsr-3464	303	13	likely	likely	ADJ
fsr-3464	303	14	to	to	PART
fsr-3464	303	15	borrow	borrow	VERB
fsr-3464	303	16	from	from	ADP
fsr-3464	303	17	their	their	PRON
fsr-3464	303	18	retirement	retirement	NOUN
fsr-3464	303	19	account	account	NOUN
fsr-3464	303	20	.	.	PUNCT
fsr-3464	304	1	conversely	conversely	ADV
fsr-3464	304	2	,	,	PUNCT
fsr-3464	304	3	individuals	individual	NOUN
fsr-3464	304	4	who	who	PRON
fsr-3464	304	5	experience	experience	VERB
fsr-3464	304	6	an	an	DET
fsr-3464	304	7	income	income	NOUN
fsr-3464	304	8	drop	drop	NOUN
fsr-3464	304	9	are	be	AUX
fsr-3464	304	10	258	258	NUM
fsr-3464	304	11	%	%	NOUN
fsr-3464	304	12	more	more	ADV
fsr-3464	304	13	likely	likely	ADJ
fsr-3464	304	14	to	to	PART
fsr-3464	304	15	have	have	VERB
fsr-3464	304	16	a	a	DET
fsr-3464	304	17	loan	loan	NOUN
fsr-3464	304	18	plan	plan	NOUN
fsr-3464	304	19	than	than	ADP
fsr-3464	304	20	those	those	PRON
fsr-3464	304	21	that	that	PRON
fsr-3464	304	22	have	have	AUX
fsr-3464	304	23	not	not	PART
fsr-3464	304	24	reported	report	VERB
fsr-3464	304	25	one	one	NUM
fsr-3464	304	26	.	.	PUNCT
fsr-3464	305	1	respondents	respondent	NOUN
fsr-3464	305	2	who	who	PRON
fsr-3464	305	3	have	have	VERB
fsr-3464	305	4	health	health	NOUN
fsr-3464	305	5	insurance	insurance	NOUN
fsr-3464	305	6	are	be	AUX
fsr-3464	305	7	37	37	NUM
fsr-3464	305	8	%	%	NOUN
fsr-3464	305	9	more	more	ADV
fsr-3464	305	10	likely	likely	ADJ
fsr-3464	305	11	to	to	PART
fsr-3464	305	12	have	have	VERB
fsr-3464	305	13	a	a	DET
fsr-3464	305	14	loan	loan	NOUN
fsr-3464	305	15	plan	plan	NOUN
fsr-3464	305	16	than	than	ADP
fsr-3464	305	17	those	those	PRON
fsr-3464	305	18	who	who	PRON
fsr-3464	305	19	do	do	AUX
fsr-3464	305	20	not	not	PART
fsr-3464	305	21	have	have	VERB
fsr-3464	305	22	health	health	NOUN
fsr-3464	305	23	insurance	insurance	NOUN
fsr-3464	305	24	.	.	PUNCT
fsr-3464	306	1	this	this	PRON
fsr-3464	306	2	could	could	AUX
fsr-3464	306	3	be	be	AUX
fsr-3464	306	4	attributed	attribute	VERB
fsr-3464	306	5	to	to	ADP
fsr-3464	306	6	the	the	DET
fsr-3464	306	7	presence	presence	NOUN
fsr-3464	306	8	of	of	ADP
fsr-3464	306	9	a	a	DET
fsr-3464	306	10	high	high	ADJ
fsr-3464	306	11	deductible	deductible	ADJ
fsr-3464	306	12	health	health	NOUN
fsr-3464	306	13	insurance	insurance	NOUN
fsr-3464	306	14	plan	plan	NOUN
fsr-3464	306	15	.	.	PUNCT
fsr-3464	307	1	unfortunately	unfortunately	ADV
fsr-3464	307	2	,	,	PUNCT
fsr-3464	307	3	we	we	PRON
fsr-3464	307	4	are	be	AUX
fsr-3464	307	5	unable	unable	ADJ
fsr-3464	307	6	to	to	PART
fsr-3464	307	7	compare	compare	VERB
fsr-3464	307	8	different	different	ADJ
fsr-3464	307	9	forms	form	NOUN
fsr-3464	307	10	of	of	ADP
fsr-3464	307	11	health	health	NOUN
fsr-3464	307	12	insurance	insurance	NOUN
fsr-3464	307	13	due	due	ADP
fsr-3464	307	14	to	to	ADP
fsr-3464	307	15	data	datum	NOUN
fsr-3464	307	16	limitations	limitation	NOUN
fsr-3464	307	17	.	.	PUNCT
fsr-3464	308	1	the	the	DET
fsr-3464	308	2	negative	negative	ADJ
fsr-3464	308	3	relation	relation	NOUN
fsr-3464	308	4	between	between	ADP
fsr-3464	308	5	financial	financial	ADJ
fsr-3464	308	6	sophistication	sophistication	NOUN
fsr-3464	308	7	and	and	CCONJ
fsr-3464	308	8	the	the	DET
fsr-3464	308	9	likelihood	likelihood	NOUN
fsr-3464	308	10	of	of	ADP
fsr-3464	308	11	having	have	VERB
fsr-3464	308	12	a	a	DET
fsr-3464	308	13	plan	plan	NOUN
fsr-3464	308	14	loan	loan	NOUN
fsr-3464	308	15	is	be	AUX
fsr-3464	308	16	significant	significant	ADJ
fsr-3464	308	17	.	.	PUNCT
fsr-3464	309	1	we	we	PRON
fsr-3464	309	2	find	find	VERB
fsr-3464	309	3	that	that	SCONJ
fsr-3464	309	4	financial	financial	ADJ
fsr-3464	309	5	sophistication	sophistication	NOUN
fsr-3464	309	6	reduces	reduce	VERB
fsr-3464	309	7	the	the	DET
fsr-3464	309	8	likelihood	likelihood	NOUN
fsr-3464	309	9	of	of	ADP
fsr-3464	309	10	having	have	VERB
fsr-3464	309	11	a	a	DET
fsr-3464	309	12	plan	plan	NOUN
fsr-3464	309	13	loan	loan	NOUN
fsr-3464	309	14	by	by	ADP
fsr-3464	309	15	44	44	NUM
fsr-3464	309	16	%	%	NOUN
fsr-3464	309	17	.	.	PUNCT
fsr-3464	310	1	in	in	ADP
fsr-3464	310	2	column	column	NOUN
fsr-3464	310	3	5	5	NUM
fsr-3464	310	4	,	,	PUNCT
fsr-3464	310	5	we	we	PRON
fsr-3464	310	6	add	add	VERB
fsr-3464	310	7	interaction	interaction	NOUN
fsr-3464	310	8	terms	term	NOUN
fsr-3464	310	9	to	to	PART
fsr-3464	310	10	see	see	VERB
fsr-3464	310	11	if	if	SCONJ
fsr-3464	310	12	financial	financial	ADJ
fsr-3464	310	13	literacy	literacy	NOUN
fsr-3464	310	14	can	can	AUX
fsr-3464	310	15	offset	offset	VERB
fsr-3464	310	16	the	the	DET
fsr-3464	310	17	effects	effect	NOUN
fsr-3464	310	18	of	of	ADP
fsr-3464	310	19	a	a	DET
fsr-3464	310	20	drop	drop	NOUN
fsr-3464	310	21	in	in	ADP
fsr-3464	310	22	income	income	NOUN
fsr-3464	310	23	.	.	PUNCT
fsr-3464	311	1	we	we	PRON
fsr-3464	311	2	find	find	VERB
fsr-3464	311	3	that	that	SCONJ
fsr-3464	311	4	being	be	AUX
fsr-3464	311	5	financially	financially	ADV
fsr-3464	311	6	literate	literate	ADJ
fsr-3464	311	7	and	and	CCONJ
fsr-3464	311	8	reporting	report	VERB
fsr-3464	311	9	a	a	DET
fsr-3464	311	10	decline	decline	NOUN
fsr-3464	311	11	in	in	ADP
fsr-3464	311	12	income	income	NOUN
fsr-3464	311	13	reduces	reduce	VERB
fsr-3464	311	14	the	the	DET
fsr-3464	311	15	likelihood	likelihood	NOUN
fsr-3464	311	16	of	of	ADP
fsr-3464	311	17	having	have	VERB
fsr-3464	311	18	a	a	DET
fsr-3464	311	19	plan	plan	NOUN
fsr-3464	311	20	loan	loan	NOUN
fsr-3464	311	21	by	by	ADP
fsr-3464	311	22	44	44	NUM
fsr-3464	311	23	%	%	NOUN
fsr-3464	311	24	,	,	PUNCT
fsr-3464	311	25	compared	compare	VERB
fsr-3464	311	26	with	with	ADP
fsr-3464	311	27	those	those	PRON
fsr-3464	311	28	who	who	PRON
fsr-3464	311	29	are	be	AUX
fsr-3464	311	30	not	not	PART
fsr-3464	311	31	financially	financially	ADV
fsr-3464	311	32	literate	literate	ADJ
fsr-3464	311	33	.	.	PUNCT
fsr-3464	312	1	5.2	5.2	NUM
fsr-3464	312	2	.	.	PUNCT
fsr-3464	312	3	financial	financial	ADJ
fsr-3464	312	4	literacy	literacy	NOUN
fsr-3464	312	5	and	and	CCONJ
fsr-3464	312	6	hcb	hcb	PROPN
fsr-3464	312	7	table	table	NOUN
fsr-3464	312	8	5	5	NUM
fsr-3464	312	9	provides	provide	VERB
fsr-3464	312	10	logistic	logistic	ADJ
fsr-3464	312	11	regression	regression	NOUN
fsr-3464	312	12	results	result	NOUN
fsr-3464	312	13	on	on	ADP
fsr-3464	312	14	the	the	DET
fsr-3464	312	15	likelihood	likelihood	NOUN
fsr-3464	312	16	of	of	ADP
fsr-3464	312	17	respondents	respondent	NOUN
fsr-3464	312	18	stating	state	VERB
fsr-3464	312	19	that	that	SCONJ
fsr-3464	312	20	they	they	PRON
fsr-3464	312	21	engaged	engage	VERB
fsr-3464	312	22	in	in	ADP
fsr-3464	312	23	hcb	hcb	PROPN
fsr-3464	312	24	.	.	PUNCT
fsr-3464	313	1	the	the	DET
fsr-3464	313	2	first	first	ADJ
fsr-3464	313	3	column	column	NOUN
fsr-3464	313	4	accounts	account	VERB
fsr-3464	313	5	for	for	ADP
fsr-3464	313	6	hcb	hcb	PROPN
fsr-3464	313	7	in	in	ADP
fsr-3464	313	8	general	general	ADJ
fsr-3464	313	9	.	.	PUNCT
fsr-3464	314	1	we	we	PRON
fsr-3464	314	2	see	see	VERB
fsr-3464	314	3	that	that	SCONJ
fsr-3464	314	4	financial	financial	ADJ
fsr-3464	314	5	literacy	literacy	NOUN
fsr-3464	314	6	reduces	reduce	VERB
fsr-3464	314	7	the	the	DET
fsr-3464	314	8	likelihood	likelihood	NOUN
fsr-3464	314	9	of	of	ADP
fsr-3464	314	10	engaging	engage	VERB
fsr-3464	314	11	in	in	ADP
fsr-3464	314	12	hcb	hcb	PROPN
fsr-3464	314	13	by	by	ADP
fsr-3464	314	14	58	58	NUM
fsr-3464	314	15	%	%	NOUN
fsr-3464	314	16	.	.	PUNCT
fsr-3464	315	1	we	we	PRON
fsr-3464	315	2	observe	observe	VERB
fsr-3464	315	3	that	that	SCONJ
fsr-3464	315	4	as	as	ADP
fsr-3464	315	5	income	income	NOUN
fsr-3464	315	6	increase	increase	NOUN
fsr-3464	315	7	,	,	PUNCT
fsr-3464	315	8	the	the	DET
fsr-3464	315	9	odds	odd	NOUN
fsr-3464	315	10	of	of	ADP
fsr-3464	315	11	accessing	access	VERB
fsr-3464	315	12	a	a	DET
fsr-3464	315	13	high	high	ADJ
fsr-3464	315	14	-	-	PUNCT
fsr-3464	315	15	cost	cost	NOUN
fsr-3464	315	16	loan	loan	NOUN
fsr-3464	315	17	decrease	decrease	NOUN
fsr-3464	315	18	.	.	PUNCT
fsr-3464	316	1	similar	similar	ADJ
fsr-3464	316	2	results	result	NOUN
fsr-3464	316	3	are	be	AUX
fsr-3464	316	4	found	find	VERB
fsr-3464	316	5	as	as	ADP
fsr-3464	316	6	the	the	DET
fsr-3464	316	7	number	number	NOUN
fsr-3464	316	8	of	of	ADP
fsr-3464	316	9	financially	financially	ADV
fsr-3464	316	10	dependent	dependent	ADJ
fsr-3464	316	11	children	child	NOUN
fsr-3464	316	12	within	within	ADP
fsr-3464	316	13	a	a	DET
fsr-3464	316	14	household	household	NOUN
fsr-3464	316	15	increases	increase	NOUN
fsr-3464	316	16	.	.	PUNCT
fsr-3464	317	1	those	those	PRON
fsr-3464	317	2	who	who	PRON
fsr-3464	317	3	own	own	VERB
fsr-3464	317	4	their	their	PRON
fsr-3464	317	5	t.	t.	PROPN
fsr-3464	317	6	martin	martin	PROPN
fsr-3464	317	7	et	et	PROPN
fsr-3464	317	8	al	al	PROPN
fsr-3464	317	9	.	.	PUNCT
fsr-3464	317	10	/	/	SYM
fsr-3464	317	11	financial	financial	ADJ
fsr-3464	317	12	services	service	NOUN
fsr-3464	317	13	review	review	VERB
fsr-3464	317	14	29	29	NUM
fsr-3464	317	15	(	(	PUNCT
fsr-3464	317	16	2021	2021	NUM
fsr-3464	317	17	)	)	PUNCT
fsr-3464	318	1	293–314	293–314	NUM
fsr-3464	318	2	303	303	NUM
fsr-3464	318	3	t	t	NOUN
fsr-3464	318	4	ab	ab	PROPN
fsr-3464	318	5	le	le	PROPN
fsr-3464	318	6	5	5	NUM
fsr-3464	318	7	b	b	PROPN
fsr-3464	318	8	in	in	ADP
fsr-3464	318	9	ar	ar	PROPN
fsr-3464	318	10	y	y	PROPN
fsr-3464	318	11	lo	lo	PROPN
fsr-3464	318	12	g	g	PROPN
fsr-3464	318	13	is	be	AUX
fsr-3464	318	14	ti	ti	X
fsr-3464	318	15	c	c	NOUN
fsr-3464	318	16	re	re	ADP
fsr-3464	318	17	g	g	PROPN
fsr-3464	318	18	re	re	ADP
fsr-3464	318	19	ss	ss	PROPN
fsr-3464	318	20	io	io	PROPN
fsr-3464	318	21	n	n	ADV
fsr-3464	318	22	o	o	NOUN
fsr-3464	318	23	n	n	ADV
fsr-3464	318	24	th	th	X
fsr-3464	318	25	e	e	PROPN
fsr-3464	318	26	li	li	PROPN
fsr-3464	318	27	k	k	PROPN
fsr-3464	318	28	el	el	PROPN
fsr-3464	319	1	ih	ih	PROPN
fsr-3464	320	1	o	o	X
fsr-3464	321	1	o	o	X
fsr-3464	322	1	d	d	X
fsr-3464	322	2	o	o	X
fsr-3464	322	3	f	f	NOUN
fsr-3464	322	4	h	h	NOUN
fsr-3464	322	5	ig	ig	INTJ
fsr-3464	322	6	h	h	PROPN
fsr-3464	322	7	-c	-c	PUNCT
fsr-3464	323	1	o	o	PROPN
fsr-3464	323	2	st	st	PROPN
fsr-3464	323	3	b	b	PROPN
fsr-3464	323	4	o	o	PROPN
fsr-3464	323	5	rr	rr	NOUN
fsr-3464	324	1	o	o	X
fsr-3464	324	2	w	w	NOUN
fsr-3464	324	3	in	in	ADP
fsr-3464	324	4	g	g	PROPN
fsr-3464	324	5	u	u	NOUN
fsr-3464	324	6	si	si	PROPN
fsr-3464	324	7	n	n	CCONJ
fsr-3464	324	8	g	g	NOUN
fsr-3464	324	9	h	h	NOUN
fsr-3464	324	10	ig	ig	INTJ
fsr-3464	324	11	h	h	NOUN
fsr-3464	324	12	-c	-c	PUNCT
fsr-3464	325	1	o	o	PROPN
fsr-3464	325	2	st	st	PROPN
fsr-3464	325	3	b	b	PROPN
fsr-3464	325	4	o	o	PROPN
fsr-3464	325	5	rr	rr	NOUN
fsr-3464	326	1	o	o	X
fsr-3464	326	2	w	w	NOUN
fsr-3464	326	3	in	in	ADP
fsr-3464	326	4	g	g	PROPN
fsr-3464	326	5	u	u	NOUN
fsr-3464	326	6	si	si	PROPN
fsr-3464	326	7	n	n	CCONJ
fsr-3464	326	8	g	g	NOUN
fsr-3464	326	9	au	au	VERB
fsr-3464	326	10	to	to	ADP
fsr-3464	326	11	ti	ti	PROPN
fsr-3464	326	12	tl	tl	PROPN
fsr-3464	326	13	e	e	PROPN
fsr-3464	326	14	lo	lo	PROPN
fsr-3464	326	15	an	an	DET
fsr-3464	326	16	s	s	X
fsr-3464	326	17	u	u	NOUN
fsr-3464	326	18	si	si	X
fsr-3464	326	19	n	n	ADV
fsr-3464	326	20	g	g	PROPN
fsr-3464	326	21	a	a	DET
fsr-3464	326	22	p	p	X
fsr-3464	326	23	aw	aw	INTJ
fsr-3464	326	24	n	n	ADV
fsr-3464	326	25	sh	sh	INTJ
fsr-3464	326	26	o	o	X
fsr-3464	326	27	p	p	X
fsr-3464	326	28	u	u	X
fsr-3464	326	29	si	si	X
fsr-3464	326	30	n	n	ADV
fsr-3464	326	31	g	g	PROPN
fsr-3464	326	32	p	p	X
fsr-3464	326	33	ay	ay	PROPN
fsr-3464	326	34	d	d	NOUN
fsr-3464	326	35	ay	ay	PROPN
fsr-3464	326	36	lo	lo	PROPN
fsr-3464	326	37	an	an	DET
fsr-3464	326	38	v	v	PROPN
fsr-3464	326	39	ar	ar	PROPN
fsr-3464	326	40	ia	ia	PROPN
fsr-3464	326	41	b	b	PROPN
fsr-3464	326	42	le	le	X
fsr-3464	326	43	o	o	PROPN
fsr-3464	327	1	d	d	X
fsr-3464	327	2	d	d	X
fsr-3464	327	3	s	s	VERB
fsr-3464	327	4	ra	ra	NOUN
fsr-3464	327	5	ti	ti	NOUN
fsr-3464	327	6	o	o	NOUN
fsr-3464	328	1	p	p	X
fsr-3464	328	2	o	o	X
fsr-3464	329	1	d	d	X
fsr-3464	329	2	d	d	X
fsr-3464	329	3	s	s	VERB
fsr-3464	329	4	ra	ra	NOUN
fsr-3464	329	5	ti	ti	NOUN
fsr-3464	329	6	o	o	NOUN
fsr-3464	330	1	p	p	X
fsr-3464	330	2	o	o	X
fsr-3464	331	1	d	d	X
fsr-3464	331	2	d	d	X
fsr-3464	331	3	s	s	VERB
fsr-3464	331	4	ra	ra	NOUN
fsr-3464	331	5	ti	ti	NOUN
fsr-3464	331	6	o	o	NOUN
fsr-3464	332	1	p	p	X
fsr-3464	332	2	o	o	X
fsr-3464	333	1	d	d	X
fsr-3464	333	2	d	d	X
fsr-3464	333	3	s	s	VERB
fsr-3464	333	4	ra	ra	NOUN
fsr-3464	333	5	ti	ti	NOUN
fsr-3464	333	6	o	o	NOUN
fsr-3464	333	7	p	p	NOUN
fsr-3464	333	8	in	in	ADP
fsr-3464	333	9	te	te	PROPN
fsr-3464	333	10	rc	rc	PROPN
fsr-3464	333	11	ep	ep	PROPN
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fsr-3464	334	1	.9	.9	NUM
fsr-3464	334	2	2	2	NUM
fsr-3464	334	3	0	0	NUM
fsr-3464	334	4	.1	.1	NUM
fsr-3464	334	5	2	2	NUM
fsr-3464	334	6	*	*	PUNCT
fsr-3464	335	1	*	*	PUNCT
fsr-3464	336	1	*	*	PUNCT
fsr-3464	336	2	0	0	NUM
fsr-3464	336	3	.3	.3	NUM
fsr-3464	336	4	5	5	NUM
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fsr-3464	338	3	0	0	NUM
fsr-3464	338	4	.3	.3	NUM
fsr-3464	338	5	7	7	NUM
fsr-3464	338	6	*	*	PUNCT
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fsr-3464	339	2	*	*	PUNCT
fsr-3464	339	3	f	f	X
fsr-3464	339	4	in	in	ADP
fsr-3464	339	5	an	an	DET
fsr-3464	339	6	ci	ci	PROPN
fsr-3464	339	7	al	al	PROPN
fsr-3464	339	8	li	li	PROPN
fsr-3464	340	1	te	te	PROPN
fsr-3464	340	2	ra	ra	PROPN
fsr-3464	340	3	cy	cy	PROPN
fsr-3464	340	4	(	(	PUNCT
fsr-3464	340	5	a	a	DET
fsr-3464	340	6	ll	ll	NOUN
fsr-3464	340	7	co	co	VERB
fsr-3464	340	8	rr	rr	PROPN
fsr-3464	340	9	ec	ec	PROPN
fsr-3464	340	10	t	t	PROPN
fsr-3464	340	11	)	)	PUNCT
fsr-3464	340	12	0	0	NUM
fsr-3464	341	1	.4	.4	NUM
fsr-3464	341	2	2	2	NUM
fsr-3464	341	3	*	*	PUNCT
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fsr-3464	342	1	*	*	PUNCT
fsr-3464	342	2	0	0	NUM
fsr-3464	342	3	.3	.3	NUM
fsr-3464	342	4	4	4	NUM
fsr-3464	342	5	*	*	PUNCT
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fsr-3464	343	2	*	*	PUNCT
fsr-3464	343	3	0	0	NUM
fsr-3464	344	1	.3	.3	NUM
fsr-3464	344	2	7	7	NUM
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fsr-3464	345	2	*	*	PUNCT
fsr-3464	345	3	0	0	NUM
fsr-3464	345	4	.3	.3	NUM
fsr-3464	345	5	0	0	NUM
fsr-3464	346	1	*	*	PUNCT
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fsr-3464	347	2	*	*	PUNCT
fsr-3464	347	3	s	s	X
fsr-3464	347	4	o	o	NOUN
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fsr-3464	347	6	o	o	NOUN
fsr-3464	348	1	-d	-d	PUNCT
fsr-3464	348	2	em	em	PRON
fsr-3464	349	1	o	o	INTJ
fsr-3464	350	1	g	g	NOUN
fsr-3464	350	2	ra	ra	PROPN
fsr-3464	351	1	p	p	NOUN
fsr-3464	351	2	h	h	NOUN
fsr-3464	352	1	ic	ic	PROPN
fsr-3464	352	2	m	m	VERB
fsr-3464	352	3	al	al	PROPN
fsr-3464	352	4	e	e	PROPN
fsr-3464	352	5	1	1	NUM
fsr-3464	352	6	.2	.2	NUM
fsr-3464	352	7	9	9	NUM
fsr-3464	352	8	*	*	PUNCT
fsr-3464	352	9	*	*	PUNCT
fsr-3464	352	10	*	*	PUNCT
fsr-3464	352	11	1	1	NUM
fsr-3464	352	12	.4	.4	NUM
fsr-3464	352	13	0	0	PUNCT
fsr-3464	353	1	*	*	PUNCT
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fsr-3464	354	3	1	1	NUM
fsr-3464	354	4	.4	.4	NUM
fsr-3464	354	5	7	7	NUM
fsr-3464	354	6	*	*	PUNCT
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fsr-3464	355	2	*	*	PUNCT
fsr-3464	355	3	1	1	NUM
fsr-3464	355	4	.3	.3	NUM
fsr-3464	355	5	5	5	NUM
fsr-3464	355	6	*	*	PUNCT
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fsr-3464	355	8	*	*	PUNCT
fsr-3464	355	9	w	w	NOUN
fsr-3464	355	10	h	h	NOUN
fsr-3464	355	11	it	it	PRON
fsr-3464	355	12	e	e	X
fsr-3464	355	13	0	0	NUM
fsr-3464	355	14	.7	.7	NUM
fsr-3464	355	15	6	6	NUM
fsr-3464	355	16	*	*	PUNCT
fsr-3464	355	17	*	*	PUNCT
fsr-3464	356	1	*	*	PUNCT
fsr-3464	356	2	0	0	NUM
fsr-3464	357	1	.9	.9	NUM
fsr-3464	357	2	1	1	NUM
fsr-3464	357	3	0	0	NUM
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fsr-3464	357	5	1	1	NUM
fsr-3464	358	1	*	*	PUNCT
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fsr-3464	358	3	0	0	NUM
fsr-3464	359	1	.6	.6	NUM
fsr-3464	359	2	3	3	NUM
fsr-3464	359	3	*	*	PUNCT
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fsr-3464	359	5	*	*	PUNCT
fsr-3464	359	6	3	3	NUM
fsr-3464	359	7	5	5	NUM
fsr-3464	359	8	–	–	PUNCT
fsr-3464	359	9	4	4	NUM
fsr-3464	359	10	4	4	NUM
fsr-3464	359	11	0	0	NUM
fsr-3464	359	12	.7	.7	NUM
fsr-3464	359	13	4	4	NUM
fsr-3464	359	14	*	*	PUNCT
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fsr-3464	360	1	*	*	PUNCT
fsr-3464	360	2	0	0	NUM
fsr-3464	361	1	.6	.6	NUM
fsr-3464	361	2	1	1	NUM
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fsr-3464	362	1	*	*	PUNCT
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fsr-3464	363	2	1	1	NUM
fsr-3464	363	3	*	*	PUNCT
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fsr-3464	364	2	*	*	PUNCT
fsr-3464	364	3	0	0	NUM
fsr-3464	365	1	.7	.7	NUM
fsr-3464	365	2	0	0	PUNCT
fsr-3464	366	1	*	*	PUNCT
fsr-3464	367	1	*	*	PUNCT
fsr-3464	367	2	*	*	PUNCT
fsr-3464	367	3	4	4	NUM
fsr-3464	367	4	5	5	NUM
fsr-3464	367	5	–	–	PUNCT
fsr-3464	367	6	5	5	NUM
fsr-3464	367	7	4	4	NUM
fsr-3464	367	8	0	0	NUM
fsr-3464	367	9	.5	.5	NUM
fsr-3464	367	10	8	8	NUM
fsr-3464	367	11	*	*	PUNCT
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fsr-3464	369	1	*	*	PUNCT
fsr-3464	369	2	0	0	PUNCT
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fsr-3464	371	1	*	*	PUNCT
fsr-3464	371	2	0	0	NUM
fsr-3464	372	1	.5	.5	NUM
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fsr-3464	375	2	0	0	PUNCT
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fsr-3464	377	3	m	m	PROPN
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fsr-3464	377	5	ri	ri	PROPN
fsr-3464	377	6	ed	ed	NOUN
fsr-3464	377	7	0	0	NUM
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fsr-3464	378	2	9	9	NUM
fsr-3464	378	3	1	1	NUM
fsr-3464	378	4	.1	.1	NUM
fsr-3464	378	5	8	8	NUM
fsr-3464	378	6	*	*	PUNCT
fsr-3464	379	1	*	*	PUNCT
fsr-3464	379	2	0	0	NUM
fsr-3464	380	1	.8	.8	NUM
fsr-3464	380	2	8	8	NUM
fsr-3464	380	3	1	1	NUM
fsr-3464	380	4	.0	.0	NUM
fsr-3464	380	5	0	0	NUM
fsr-3464	380	6	2	2	NUM
fsr-3464	380	7	5	5	NUM
fsr-3464	380	8	,	,	PUNCT
fsr-3464	380	9	0	0	NUM
fsr-3464	380	10	0	0	NUM
fsr-3464	380	11	0	0	NUM
fsr-3464	380	12	–	–	PUNCT
fsr-3464	380	13	3	3	NUM
fsr-3464	380	14	4	4	NUM
fsr-3464	380	15	,	,	PUNCT
fsr-3464	380	16	9	9	NUM
fsr-3464	380	17	9	9	NUM
fsr-3464	380	18	9	9	NUM
fsr-3464	380	19	0	0	NUM
fsr-3464	380	20	.8	.8	NUM
fsr-3464	380	21	6	6	NUM
fsr-3464	380	22	0	0	NUM
fsr-3464	380	23	.8	.8	NUM
fsr-3464	380	24	4	4	NUM
fsr-3464	380	25	0	0	NUM
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fsr-3464	380	27	0	0	PUNCT
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fsr-3464	381	2	0	0	NUM
fsr-3464	382	1	.9	.9	NUM
fsr-3464	382	2	7	7	NUM
fsr-3464	382	3	3	3	NUM
fsr-3464	382	4	5	5	NUM
fsr-3464	382	5	,	,	PUNCT
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fsr-3464	382	7	0	0	NUM
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fsr-3464	382	9	–	–	PUNCT
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fsr-3464	382	11	9	9	NUM
fsr-3464	382	12	,	,	PUNCT
fsr-3464	382	13	9	9	NUM
fsr-3464	382	14	9	9	NUM
fsr-3464	382	15	9	9	NUM
fsr-3464	382	16	0	0	NUM
fsr-3464	382	17	.6	.6	NUM
fsr-3464	382	18	6	6	NUM
fsr-3464	382	19	*	*	PUNCT
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fsr-3464	383	2	0	0	NUM
fsr-3464	384	1	.7	.7	NUM
fsr-3464	384	2	2	2	NUM
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fsr-3464	384	5	.5	.5	NUM
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fsr-3464	385	4	.8	.8	NUM
fsr-3464	385	5	9	9	NUM
fsr-3464	385	6	5	5	NUM
fsr-3464	385	7	0	0	NUM
fsr-3464	385	8	,	,	PUNCT
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fsr-3464	385	10	0	0	NUM
fsr-3464	385	11	0	0	NUM
fsr-3464	385	12	–	–	PUNCT
fsr-3464	385	13	7	7	NUM
fsr-3464	385	14	4	4	NUM
fsr-3464	385	15	,	,	PUNCT
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fsr-3464	385	18	9	9	NUM
fsr-3464	385	19	0	0	NUM
fsr-3464	386	1	.6	.6	NUM
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fsr-3464	387	2	*	*	PUNCT
fsr-3464	387	3	0	0	NUM
fsr-3464	387	4	.5	.5	NUM
fsr-3464	387	5	9	9	NUM
fsr-3464	387	6	*	*	PUNCT
fsr-3464	387	7	*	*	PUNCT
fsr-3464	387	8	0	0	NUM
fsr-3464	388	1	.5	.5	NUM
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fsr-3464	389	1	*	*	PUNCT
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fsr-3464	390	2	*	*	PUNCT
fsr-3464	390	3	0	0	NUM
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fsr-3464	391	2	7	7	NUM
fsr-3464	391	3	7	7	NUM
fsr-3464	391	4	5	5	NUM
fsr-3464	391	5	,	,	PUNCT
fsr-3464	391	6	0	0	NUM
fsr-3464	391	7	0	0	NUM
fsr-3464	391	8	0	0	NUM
fsr-3464	391	9	–	–	PUNCT
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fsr-3464	391	11	9	9	NUM
fsr-3464	391	12	,	,	PUNCT
fsr-3464	391	13	9	9	NUM
fsr-3464	391	14	9	9	NUM
fsr-3464	391	15	9	9	NUM
fsr-3464	391	16	0	0	NUM
fsr-3464	391	17	.5	.5	NUM
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fsr-3464	391	19	*	*	PUNCT
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fsr-3464	397	8	,	,	PUNCT
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fsr-3464	397	12	–	–	PUNCT
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fsr-3464	420	4	h	h	NOUN
fsr-3464	420	5	re	re	X
fsr-3464	420	6	e	e	NOUN
fsr-3464	420	7	2	2	NUM
fsr-3464	420	8	.4	.4	NUM
fsr-3464	420	9	2	2	NUM
fsr-3464	420	10	*	*	PUNCT
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fsr-3464	420	12	*	*	PUNCT
fsr-3464	420	13	1	1	NUM
fsr-3464	420	14	.6	.6	NUM
fsr-3464	420	15	0	0	NUM
fsr-3464	421	1	*	*	PUNCT
fsr-3464	422	1	*	*	PUNCT
fsr-3464	422	2	*	*	PUNCT
fsr-3464	422	3	2	2	NUM
fsr-3464	422	4	.5	.5	NUM
fsr-3464	422	5	9	9	NUM
fsr-3464	422	6	*	*	PUNCT
fsr-3464	423	1	*	*	PUNCT
fsr-3464	423	2	*	*	PUNCT
fsr-3464	423	3	2	2	NUM
fsr-3464	423	4	.5	.5	NUM
fsr-3464	423	5	8	8	NUM
fsr-3464	423	6	*	*	PUNCT
fsr-3464	424	1	*	*	PUNCT
fsr-3464	424	2	*	*	PUNCT
fsr-3464	424	3	f	f	X
fsr-3464	424	4	o	o	X
fsr-3464	424	5	u	u	NOUN
fsr-3464	424	6	r+	r+	VERB
fsr-3464	424	7	1	1	NUM
fsr-3464	424	8	.8	.8	NUM
fsr-3464	424	9	1	1	NUM
fsr-3464	424	10	*	*	PUNCT
fsr-3464	425	1	*	*	PUNCT
fsr-3464	425	2	*	*	PUNCT
fsr-3464	425	3	1	1	NUM
fsr-3464	425	4	.9	.9	NUM
fsr-3464	425	5	3	3	NUM
fsr-3464	425	6	*	*	PUNCT
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fsr-3464	425	8	*	*	PUNCT
fsr-3464	425	9	2	2	NUM
fsr-3464	425	10	.0	.0	NUM
fsr-3464	425	11	2	2	NUM
fsr-3464	425	12	*	*	PUNCT
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fsr-3464	425	14	*	*	PUNCT
fsr-3464	425	15	2	2	NUM
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fsr-3464	425	18	*	*	PUNCT
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fsr-3464	425	20	*	*	PUNCT
fsr-3464	425	21	h	h	NOUN
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fsr-3464	426	3	e	e	X
fsr-3464	426	4	0	0	NUM
fsr-3464	427	1	.6	.6	NUM
fsr-3464	427	2	8	8	NUM
fsr-3464	427	3	*	*	PUNCT
fsr-3464	428	1	*	*	PUNCT
fsr-3464	428	2	*	*	PUNCT
fsr-3464	428	3	1	1	NUM
fsr-3464	428	4	.1	.1	NUM
fsr-3464	428	5	4	4	NUM
fsr-3464	428	6	0	0	NUM
fsr-3464	428	7	.8	.8	NUM
fsr-3464	428	8	0	0	PUNCT
fsr-3464	429	1	*	*	PUNCT
fsr-3464	430	1	*	*	PUNCT
fsr-3464	430	2	0	0	NUM
fsr-3464	431	1	.6	.6	NUM
fsr-3464	431	2	2	2	NUM
fsr-3464	431	3	*	*	PUNCT
fsr-3464	431	4	*	*	PUNCT
fsr-3464	432	1	*	*	PUNCT
fsr-3464	432	2	f	f	X
fsr-3464	432	3	u	u	NOUN
fsr-3464	432	4	ll	ll	PROPN
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fsr-3464	432	6	.1	.1	NUM
fsr-3464	432	7	2	2	NUM
fsr-3464	432	8	1	1	NUM
fsr-3464	432	9	.2	.2	NUM
fsr-3464	432	10	0	0	NUM
fsr-3464	432	11	0	0	NUM
fsr-3464	432	12	.9	.9	NUM
fsr-3464	432	13	6	6	NUM
fsr-3464	432	14	1	1	NUM
fsr-3464	432	15	.1	.1	NUM
fsr-3464	432	16	9	9	NUM
fsr-3464	432	17	f	f	NOUN
fsr-3464	432	18	in	in	ADP
fsr-3464	432	19	an	an	DET
fsr-3464	432	20	ci	ci	PROPN
fsr-3464	432	21	al	al	PROPN
fsr-3464	432	22	ri	ri	PROPN
fsr-3464	432	23	sk	sk	INTJ
fsr-3464	432	24	r	r	NOUN
fsr-3464	432	25	is	be	AUX
fsr-3464	432	26	k	k	PROPN
fsr-3464	432	27	cl	cl	NOUN
fsr-3464	432	28	as	as	ADP
fsr-3464	432	29	s	s	NOUN
fsr-3464	432	30	2	2	NUM
fsr-3464	432	31	1	1	NUM
fsr-3464	432	32	.0	.0	NUM
fsr-3464	432	33	3	3	NUM
fsr-3464	432	34	1	1	NUM
fsr-3464	432	35	.3	.3	NUM
fsr-3464	432	36	5	5	NUM
fsr-3464	432	37	1	1	NUM
fsr-3464	432	38	.1	.1	NUM
fsr-3464	432	39	4	4	NUM
fsr-3464	432	40	0	0	NUM
fsr-3464	432	41	.8	.8	NUM
fsr-3464	432	42	1	1	NUM
fsr-3464	432	43	r	r	NOUN
fsr-3464	432	44	is	be	AUX
fsr-3464	432	45	k	k	PROPN
fsr-3464	432	46	cl	cl	NOUN
fsr-3464	432	47	as	as	ADP
fsr-3464	432	48	s	s	PROPN
fsr-3464	432	49	3	3	NUM
fsr-3464	432	50	1	1	NUM
fsr-3464	432	51	.1	.1	NUM
fsr-3464	432	52	3	3	NUM
fsr-3464	432	53	1	1	NUM
fsr-3464	432	54	.4	.4	NUM
fsr-3464	432	55	7	7	NUM
fsr-3464	433	1	*	*	PUNCT
fsr-3464	433	2	*	*	PUNCT
fsr-3464	433	3	1	1	NUM
fsr-3464	433	4	.4	.4	NUM
fsr-3464	433	5	0	0	PUNCT
fsr-3464	434	1	*	*	PUNCT
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fsr-3464	434	3	1	1	NUM
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fsr-3464	434	5	6	6	NUM
fsr-3464	434	6	r	r	NOUN
fsr-3464	434	7	is	be	AUX
fsr-3464	434	8	k	k	PROPN
fsr-3464	434	9	cl	cl	NOUN
fsr-3464	434	10	as	as	ADP
fsr-3464	434	11	s	s	NOUN
fsr-3464	434	12	4	4	NUM
fsr-3464	434	13	1	1	NUM
fsr-3464	434	14	.4	.4	NUM
fsr-3464	434	15	6	6	NUM
fsr-3464	434	16	*	*	PUNCT
fsr-3464	435	1	*	*	PUNCT
fsr-3464	435	2	*	*	PUNCT
fsr-3464	435	3	2	2	NUM
fsr-3464	435	4	.2	.2	NUM
fsr-3464	435	5	6	6	NUM
fsr-3464	435	6	*	*	PUNCT
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fsr-3464	435	8	*	*	PUNCT
fsr-3464	435	9	1	1	NUM
fsr-3464	435	10	.7	.7	NUM
fsr-3464	435	11	6	6	NUM
fsr-3464	435	12	*	*	PUNCT
fsr-3464	436	1	*	*	PUNCT
fsr-3464	436	2	*	*	PUNCT
fsr-3464	436	3	1	1	NUM
fsr-3464	436	4	.5	.5	NUM
fsr-3464	436	5	3	3	NUM
fsr-3464	436	6	*	*	PUNCT
fsr-3464	436	7	*	*	PUNCT
fsr-3464	437	1	h	h	PRON
fsr-3464	437	2	ig	ig	INTJ
fsr-3464	438	1	h	h	NOUN
fsr-3464	438	2	es	es	X
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fsr-3464	438	6	3	3	NUM
fsr-3464	438	7	.0	.0	NUM
fsr-3464	438	8	8	8	NUM
fsr-3464	438	9	*	*	PUNCT
fsr-3464	439	1	*	*	PUNCT
fsr-3464	439	2	*	*	PUNCT
fsr-3464	439	3	5	5	NUM
fsr-3464	439	4	.0	.0	NUM
fsr-3464	439	5	0	0	PUNCT
fsr-3464	440	1	*	*	PUNCT
fsr-3464	441	1	*	*	PUNCT
fsr-3464	441	2	*	*	PUNCT
fsr-3464	441	3	4	4	NUM
fsr-3464	441	4	.0	.0	NUM
fsr-3464	441	5	6	6	NUM
fsr-3464	441	6	*	*	PUNCT
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fsr-3464	441	8	*	*	PUNCT
fsr-3464	441	9	3	3	NUM
fsr-3464	441	10	.8	.8	NUM
fsr-3464	441	11	8	8	NUM
fsr-3464	441	12	*	*	PUNCT
fsr-3464	442	1	*	*	PUNCT
fsr-3464	442	2	*	*	PUNCT
fsr-3464	442	3	f	f	X
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fsr-3464	442	5	an	an	DET
fsr-3464	442	6	ci	ci	NOUN
fsr-3464	442	7	al	al	PROPN
fsr-3464	442	8	ca	ca	PROPN
fsr-3464	442	9	p	p	NOUN
fsr-3464	442	10	ac	ac	VERB
fsr-3464	443	1	it	it	PRON
fsr-3464	444	1	y	y	NOUN
fsr-3464	445	1	d	d	NOUN
fsr-3464	445	2	ro	ro	X
fsr-3464	445	3	p	p	NOUN
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fsr-3464	445	5	in	in	ADP
fsr-3464	445	6	co	co	NOUN
fsr-3464	445	7	m	m	PROPN
fsr-3464	445	8	e	e	NOUN
fsr-3464	445	9	2	2	NUM
fsr-3464	446	1	.6	.6	NUM
fsr-3464	446	2	0	0	PUNCT
fsr-3464	447	1	*	*	PUNCT
fsr-3464	448	1	*	*	PUNCT
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fsr-3464	448	3	3	3	NUM
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fsr-3464	448	5	8	8	NUM
fsr-3464	448	6	*	*	PUNCT
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fsr-3464	448	8	*	*	PUNCT
fsr-3464	448	9	2	2	NUM
fsr-3464	448	10	.8	.8	NUM
fsr-3464	448	11	9	9	NUM
fsr-3464	448	12	*	*	PUNCT
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fsr-3464	448	14	*	*	PUNCT
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fsr-3464	448	18	*	*	PUNCT
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fsr-3464	448	20	*	*	PUNCT
fsr-3464	449	1	e	e	X
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fsr-3464	449	6	cy	cy	PROPN
fsr-3464	449	7	fu	fu	PROPN
fsr-3464	449	8	n	n	PROPN
fsr-3464	449	9	d	d	PROPN
fsr-3464	449	10	0	0	NUM
fsr-3464	449	11	.7	.7	NUM
fsr-3464	449	12	6	6	NUM
fsr-3464	449	13	*	*	PUNCT
fsr-3464	450	1	*	*	PUNCT
fsr-3464	450	2	*	*	PUNCT
fsr-3464	450	3	1	1	NUM
fsr-3464	450	4	.1	.1	NUM
fsr-3464	450	5	1	1	NUM
fsr-3464	450	6	1	1	NUM
fsr-3464	450	7	.1	.1	NUM
fsr-3464	450	8	3	3	NUM
fsr-3464	450	9	*	*	SYM
fsr-3464	450	10	0	0	NUM
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fsr-3464	451	2	3	3	NUM
fsr-3464	451	3	*	*	PUNCT
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fsr-3464	451	5	*	*	PUNCT
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fsr-3464	452	4	0	0	NUM
fsr-3464	452	5	.6	.6	NUM
fsr-3464	452	6	9	9	NUM
fsr-3464	452	7	*	*	PUNCT
fsr-3464	453	1	*	*	PUNCT
fsr-3464	454	1	*	*	PUNCT
fsr-3464	454	2	0	0	NUM
fsr-3464	455	1	.7	.7	NUM
fsr-3464	455	2	1	1	NUM
fsr-3464	455	3	*	*	PUNCT
fsr-3464	456	1	*	*	PUNCT
fsr-3464	457	1	*	*	PUNCT
fsr-3464	457	2	0	0	NUM
fsr-3464	458	1	.6	.6	NUM
fsr-3464	458	2	9	9	NUM
fsr-3464	458	3	*	*	PUNCT
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fsr-3464	459	1	*	*	PUNCT
fsr-3464	459	2	0	0	NUM
fsr-3464	460	1	.7	.7	NUM
fsr-3464	460	2	2	2	NUM
fsr-3464	460	3	*	*	PUNCT
fsr-3464	461	1	*	*	PUNCT
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fsr-3464	461	3	h	h	NOUN
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fsr-3464	464	1	h	h	PROPN
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fsr-3464	465	8	1	1	NUM
fsr-3464	465	9	*	*	PUNCT
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fsr-3464	465	13	.4	.4	NUM
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fsr-3464	466	1	*	*	PUNCT
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fsr-3464	467	1	*	*	PUNCT
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fsr-3464	469	1	*	*	PUNCT
fsr-3464	470	1	*	*	PUNCT
fsr-3464	471	1	*	*	PUNCT
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fsr-3464	473	1	r	r	NOUN
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fsr-3464	473	4	1	1	NUM
fsr-3464	473	5	.0	.0	NUM
fsr-3464	473	6	3	3	NUM
fsr-3464	473	7	1	1	NUM
fsr-3464	473	8	.3	.3	NUM
fsr-3464	473	9	0	0	NUM
fsr-3464	474	1	*	*	PUNCT
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fsr-3464	475	3	1	1	NUM
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fsr-3464	475	6	*	*	SYM
fsr-3464	475	7	0	0	NUM
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fsr-3464	476	8	0	0	NUM
fsr-3464	476	9	.2	.2	NUM
fsr-3464	476	10	7	7	NUM
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fsr-3464	476	12	.2	.2	NUM
fsr-3464	476	13	8	8	NUM
fsr-3464	476	14	0	0	NUM
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fsr-3464	476	17	n	n	NUM
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fsr-3464	476	20	:	:	PUNCT
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fsr-3464	477	13	o	o	X
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fsr-3464	478	10	:	:	PUNCT
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fsr-3464	478	15	–	–	PUNCT
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fsr-3464	478	41	ci	ci	NOUN
fsr-3464	478	42	al	al	PROPN
fsr-3464	478	43	ly	ly	PROPN
fsr-3464	479	1	d	d	X
fsr-3464	479	2	ep	ep	PROPN
fsr-3464	479	3	en	en	PROPN
fsr-3464	479	4	d	d	PROPN
fsr-3464	479	5	en	en	PROPN
fsr-3464	479	6	t	t	PROPN
fsr-3464	479	7	ch	ch	PROPN
fsr-3464	479	8	il	il	PROPN
fsr-3464	479	9	d	d	PROPN
fsr-3464	479	10	re	re	X
fsr-3464	479	11	n	n	PROPN
fsr-3464	479	12	,	,	PUNCT
fsr-3464	479	13	se	se	X
fsr-3464	479	14	lf	lf	ADP
fsr-3464	479	15	-e	-e	PROPN
fsr-3464	479	16	m	m	PROPN
fsr-3464	479	17	p	p	PROPN
fsr-3464	479	18	lo	lo	PROPN
fsr-3464	479	19	y	y	PROPN
fsr-3464	479	20	ed	ed	PROPN
fsr-3464	479	21	,	,	PUNCT
fsr-3464	479	22	lo	lo	PROPN
fsr-3464	479	23	w	w	PROPN
fsr-3464	479	24	es	es	X
fsr-3464	479	25	t	t	PROPN
fsr-3464	479	26	ri	ri	INTJ
fsr-3464	479	27	sk	sk	VERB
fsr-3464	479	28	to	to	ADP
fsr-3464	479	29	le	le	PROPN
fsr-3464	479	30	ra	ra	PROPN
fsr-3464	479	31	n	n	PROPN
fsr-3464	479	32	ce	ce	PROPN
fsr-3464	479	33	.	.	PUNCT
fsr-3464	480	1	*	*	PUNCT
fsr-3464	481	1	*	*	PUNCT
fsr-3464	481	2	*	*	PUNCT
fsr-3464	481	3	p	p	X
fsr-3464	481	4	<	<	X
fsr-3464	481	5	.0	.0	NUM
fsr-3464	481	6	1	1	NUM
fsr-3464	481	7	,	,	PUNCT
fsr-3464	481	8	*	*	PUNCT
fsr-3464	481	9	*	*	PUNCT
fsr-3464	482	1	p	p	X
fsr-3464	482	2	<	<	X
fsr-3464	482	3	.0	.0	NUM
fsr-3464	482	4	5	5	NUM
fsr-3464	482	5	,	,	PUNCT
fsr-3464	482	6	*	*	PUNCT
fsr-3464	482	7	p	p	X
fsr-3464	482	8	<	<	X
fsr-3464	482	9	.1	.1	NUM
fsr-3464	482	10	.	.	PUNCT
fsr-3464	483	1	304	304	NUM
fsr-3464	483	2	t.	t.	PROPN
fsr-3464	483	3	martin	martin	PROPN
fsr-3464	483	4	et	et	PROPN
fsr-3464	483	5	al	al	PROPN
fsr-3464	483	6	.	.	PUNCT
fsr-3464	483	7	/	/	SYM
fsr-3464	483	8	financial	financial	ADJ
fsr-3464	483	9	services	service	NOUN
fsr-3464	483	10	review	review	VERB
fsr-3464	483	11	29	29	NUM
fsr-3464	483	12	(	(	PUNCT
fsr-3464	483	13	2021	2021	NUM
fsr-3464	483	14	)	)	PUNCT
fsr-3464	484	1	293–314	293–314	NUM
fsr-3464	484	2	home	home	NOUN
fsr-3464	484	3	are	be	AUX
fsr-3464	484	4	32	32	NUM
fsr-3464	484	5	%	%	NOUN
fsr-3464	484	6	less	less	ADV
fsr-3464	484	7	likely	likely	ADJ
fsr-3464	484	8	to	to	PART
fsr-3464	484	9	engage	engage	VERB
fsr-3464	484	10	in	in	ADP
fsr-3464	484	11	hcb	hcb	PROPN
fsr-3464	484	12	.	.	PUNCT
fsr-3464	485	1	consistent	consistent	ADJ
fsr-3464	485	2	with	with	ADP
fsr-3464	485	3	the	the	DET
fsr-3464	485	4	expectation	expectation	NOUN
fsr-3464	485	5	that	that	SCONJ
fsr-3464	485	6	a	a	DET
fsr-3464	485	7	drop	drop	NOUN
fsr-3464	485	8	in	in	ADP
fsr-3464	485	9	income	income	NOUN
fsr-3464	485	10	might	might	AUX
fsr-3464	485	11	lead	lead	VERB
fsr-3464	485	12	someone	someone	PRON
fsr-3464	485	13	to	to	PART
fsr-3464	485	14	participate	participate	VERB
fsr-3464	485	15	in	in	ADP
fsr-3464	485	16	hcb	hcb	PROPN
fsr-3464	485	17	,	,	PUNCT
fsr-3464	485	18	we	we	PRON
fsr-3464	485	19	find	find	VERB
fsr-3464	485	20	that	that	SCONJ
fsr-3464	485	21	a	a	DET
fsr-3464	485	22	decline	decline	NOUN
fsr-3464	485	23	in	in	ADP
fsr-3464	485	24	income	income	NOUN
fsr-3464	485	25	increases	increase	VERB
fsr-3464	485	26	the	the	DET
fsr-3464	485	27	likelihood	likelihood	NOUN
fsr-3464	485	28	of	of	ADP
fsr-3464	485	29	engaging	engage	VERB
fsr-3464	485	30	in	in	ADP
fsr-3464	485	31	hcb	hcb	PROPN
fsr-3464	485	32	by	by	ADP
fsr-3464	485	33	160	160	NUM
fsr-3464	485	34	%	%	NOUN
fsr-3464	485	35	,	,	PUNCT
fsr-3464	485	36	relative	relative	ADJ
fsr-3464	485	37	to	to	ADP
fsr-3464	485	38	respondents	respondent	NOUN
fsr-3464	485	39	with	with	ADP
fsr-3464	485	40	stable	stable	ADJ
fsr-3464	485	41	or	or	CCONJ
fsr-3464	485	42	increasing	increase	VERB
fsr-3464	485	43	incomes	income	NOUN
fsr-3464	485	44	.	.	PUNCT
fsr-3464	486	1	accounting	account	VERB
fsr-3464	486	2	for	for	ADP
fsr-3464	486	3	financial	financial	ADJ
fsr-3464	486	4	capacity	capacity	NOUN
fsr-3464	486	5	,	,	PUNCT
fsr-3464	486	6	we	we	PRON
fsr-3464	486	7	see	see	VERB
fsr-3464	486	8	that	that	SCONJ
fsr-3464	486	9	having	have	VERB
fsr-3464	486	10	an	an	DET
fsr-3464	486	11	emergency	emergency	NOUN
fsr-3464	486	12	fund	fund	NOUN
fsr-3464	486	13	decreases	decrease	VERB
fsr-3464	486	14	the	the	DET
fsr-3464	486	15	likelihood	likelihood	NOUN
fsr-3464	486	16	of	of	ADP
fsr-3464	486	17	hcb	hcb	PROPN
fsr-3464	486	18	by	by	ADP
fsr-3464	486	19	24	24	NUM
fsr-3464	486	20	%	%	NOUN
fsr-3464	486	21	.	.	PUNCT
fsr-3464	487	1	likewise	likewise	ADV
fsr-3464	487	2	,	,	PUNCT
fsr-3464	487	3	the	the	DET
fsr-3464	487	4	presence	presence	NOUN
fsr-3464	487	5	of	of	ADP
fsr-3464	487	6	a	a	DET
fsr-3464	487	7	positive	positive	ADJ
fsr-3464	487	8	cash	cash	NOUN
fsr-3464	487	9	flow	flow	NOUN
fsr-3464	487	10	and	and	CCONJ
fsr-3464	487	11	health	health	NOUN
fsr-3464	487	12	insurance	insurance	NOUN
fsr-3464	487	13	reduces	reduce	VERB
fsr-3464	487	14	the	the	DET
fsr-3464	487	15	likelihood	likelihood	NOUN
fsr-3464	487	16	of	of	ADP
fsr-3464	487	17	hcb	hcb	PROPN
fsr-3464	487	18	.	.	PUNCT
fsr-3464	488	1	column	column	NOUN
fsr-3464	488	2	2	2	NUM
fsr-3464	488	3	provides	provide	VERB
fsr-3464	488	4	results	result	NOUN
fsr-3464	488	5	from	from	ADP
fsr-3464	488	6	a	a	DET
fsr-3464	488	7	logistic	logistic	ADJ
fsr-3464	488	8	regression	regression	NOUN
fsr-3464	488	9	on	on	ADP
fsr-3464	488	10	the	the	DET
fsr-3464	488	11	likelihood	likelihood	NOUN
fsr-3464	488	12	of	of	ADP
fsr-3464	488	13	respondents	respondent	NOUN
fsr-3464	488	14	stating	state	VERB
fsr-3464	488	15	that	that	SCONJ
fsr-3464	488	16	they	they	PRON
fsr-3464	488	17	have	have	VERB
fsr-3464	488	18	an	an	DET
fsr-3464	488	19	auto	auto	NOUN
fsr-3464	488	20	title	title	NOUN
fsr-3464	488	21	loan	loan	NOUN
fsr-3464	488	22	.	.	PUNCT
fsr-3464	489	1	we	we	PRON
fsr-3464	489	2	observe	observe	VERB
fsr-3464	489	3	a	a	DET
fsr-3464	489	4	strong	strong	ADJ
fsr-3464	489	5	negative	negative	ADJ
fsr-3464	489	6	relation	relation	NOUN
fsr-3464	489	7	between	between	ADP
fsr-3464	489	8	financial	financial	ADJ
fsr-3464	489	9	literacy	literacy	NOUN
fsr-3464	489	10	and	and	CCONJ
fsr-3464	489	11	having	have	VERB
fsr-3464	489	12	a	a	DET
fsr-3464	489	13	title	title	NOUN
fsr-3464	489	14	loan	loan	NOUN
fsr-3464	489	15	.	.	PUNCT
fsr-3464	490	1	financial	financial	ADJ
fsr-3464	490	2	literacy	literacy	NOUN
fsr-3464	490	3	reduces	reduce	VERB
fsr-3464	490	4	the	the	DET
fsr-3464	490	5	likelihood	likelihood	NOUN
fsr-3464	490	6	of	of	ADP
fsr-3464	490	7	having	have	VERB
fsr-3464	490	8	a	a	DET
fsr-3464	490	9	title	title	NOUN
fsr-3464	490	10	loan	loan	NOUN
fsr-3464	490	11	by	by	ADP
fsr-3464	490	12	66	66	NUM
fsr-3464	490	13	%	%	NOUN
fsr-3464	490	14	.	.	PUNCT
fsr-3464	491	1	respondents	respondent	NOUN
fsr-3464	491	2	with	with	ADP
fsr-3464	491	3	a	a	DET
fsr-3464	491	4	recent	recent	ADJ
fsr-3464	491	5	drop	drop	NOUN
fsr-3464	491	6	in	in	ADP
fsr-3464	491	7	income	income	NOUN
fsr-3464	491	8	are	be	AUX
fsr-3464	491	9	more	more	ADJ
fsr-3464	491	10	than	than	ADP
fsr-3464	491	11	twice	twice	ADV
fsr-3464	491	12	as	as	ADV
fsr-3464	491	13	likely	likely	ADJ
fsr-3464	491	14	to	to	PART
fsr-3464	491	15	have	have	VERB
fsr-3464	491	16	an	an	DET
fsr-3464	491	17	auto	auto	NOUN
fsr-3464	491	18	title	title	NOUN
fsr-3464	491	19	loan	loan	NOUN
fsr-3464	491	20	than	than	ADP
fsr-3464	491	21	respondents	respondent	NOUN
fsr-3464	491	22	with	with	ADP
fsr-3464	491	23	no	no	DET
fsr-3464	491	24	such	such	ADJ
fsr-3464	491	25	income	income	NOUN
fsr-3464	491	26	shock	shock	NOUN
fsr-3464	491	27	.	.	PUNCT
fsr-3464	492	1	having	have	VERB
fsr-3464	492	2	a	a	DET
fsr-3464	492	3	cash	cash	NOUN
fsr-3464	492	4	surplus	surplus	NOUN
fsr-3464	492	5	reduces	reduce	VERB
fsr-3464	492	6	having	have	VERB
fsr-3464	492	7	a	a	DET
fsr-3464	492	8	title	title	NOUN
fsr-3464	492	9	loan	loan	NOUN
fsr-3464	492	10	by	by	ADP
fsr-3464	492	11	29	29	NUM
fsr-3464	492	12	%	%	NOUN
fsr-3464	492	13	,	,	PUNCT
fsr-3464	492	14	and	and	CCONJ
fsr-3464	492	15	having	have	VERB
fsr-3464	492	16	health	health	NOUN
fsr-3464	492	17	insurance	insurance	NOUN
fsr-3464	492	18	reduces	reduce	VERB
fsr-3464	492	19	the	the	DET
fsr-3464	492	20	likelihood	likelihood	NOUN
fsr-3464	492	21	of	of	ADP
fsr-3464	492	22	having	have	VERB
fsr-3464	492	23	that	that	DET
fsr-3464	492	24	type	type	NOUN
fsr-3464	492	25	of	of	ADP
fsr-3464	492	26	loan	loan	NOUN
fsr-3464	492	27	by	by	ADP
fsr-3464	492	28	54	54	NUM
fsr-3464	492	29	%	%	NOUN
fsr-3464	492	30	.	.	PUNCT
fsr-3464	493	1	column	column	NOUN
fsr-3464	493	2	3	3	NUM
fsr-3464	493	3	provides	provide	VERB
fsr-3464	493	4	results	result	NOUN
fsr-3464	493	5	from	from	ADP
fsr-3464	493	6	the	the	DET
fsr-3464	493	7	logistic	logistic	ADJ
fsr-3464	493	8	regression	regression	NOUN
fsr-3464	493	9	analysis	analysis	NOUN
fsr-3464	493	10	,	,	PUNCT
fsr-3464	493	11	showing	show	VERB
fsr-3464	493	12	the	the	DET
fsr-3464	493	13	likelihood	likelihood	NOUN
fsr-3464	493	14	of	of	ADP
fsr-3464	493	15	respondents	respondent	NOUN
fsr-3464	493	16	using	use	VERB
fsr-3464	493	17	pawn	pawn	NOUN
fsr-3464	493	18	shops	shop	NOUN
fsr-3464	493	19	in	in	ADP
fsr-3464	493	20	the	the	DET
fsr-3464	493	21	past	past	ADJ
fsr-3464	493	22	five	five	NUM
fsr-3464	493	23	years	year	NOUN
fsr-3464	493	24	.	.	PUNCT
fsr-3464	494	1	the	the	DET
fsr-3464	494	2	likelihood	likelihood	NOUN
fsr-3464	494	3	of	of	ADP
fsr-3464	494	4	taking	take	VERB
fsr-3464	494	5	a	a	DET
fsr-3464	494	6	loan	loan	NOUN
fsr-3464	494	7	from	from	ADP
fsr-3464	494	8	a	a	DET
fsr-3464	494	9	pawn	pawn	NOUN
fsr-3464	494	10	shop	shop	NOUN
fsr-3464	494	11	decreases	decrease	NOUN
fsr-3464	494	12	by	by	ADP
fsr-3464	494	13	63	63	NUM
fsr-3464	494	14	%	%	NOUN
fsr-3464	494	15	with	with	ADP
fsr-3464	494	16	financial	financial	ADJ
fsr-3464	494	17	literacy	literacy	NOUN
fsr-3464	494	18	.	.	PUNCT
fsr-3464	495	1	individuals	individual	NOUN
fsr-3464	495	2	who	who	PRON
fsr-3464	495	3	experience	experience	VERB
fsr-3464	495	4	a	a	DET
fsr-3464	495	5	drop	drop	NOUN
fsr-3464	495	6	in	in	ADP
fsr-3464	495	7	income	income	NOUN
fsr-3464	495	8	are	be	AUX
fsr-3464	495	9	189	189	NUM
fsr-3464	495	10	%	%	NOUN
fsr-3464	495	11	more	more	ADV
fsr-3464	495	12	likely	likely	ADJ
fsr-3464	495	13	to	to	PART
fsr-3464	495	14	have	have	VERB
fsr-3464	495	15	a	a	DET
fsr-3464	495	16	pawn	pawn	NOUN
fsr-3464	495	17	shop	shop	NOUN
fsr-3464	495	18	loan	loan	NOUN
fsr-3464	495	19	.	.	PUNCT
fsr-3464	496	1	having	have	VERB
fsr-3464	496	2	a	a	DET
fsr-3464	496	3	positive	positive	ADJ
fsr-3464	496	4	cash	cash	NOUN
fsr-3464	496	5	flow	flow	NOUN
fsr-3464	496	6	reduces	reduce	VERB
fsr-3464	496	7	the	the	DET
fsr-3464	496	8	likelihood	likelihood	NOUN
fsr-3464	496	9	of	of	ADP
fsr-3464	496	10	taking	take	VERB
fsr-3464	496	11	a	a	DET
fsr-3464	496	12	loan	loan	NOUN
fsr-3464	496	13	from	from	ADP
fsr-3464	496	14	a	a	DET
fsr-3464	496	15	pawn	pawn	NOUN
fsr-3464	496	16	shop	shop	NOUN
fsr-3464	496	17	by	by	ADP
fsr-3464	496	18	31	31	NUM
fsr-3464	496	19	%	%	NOUN
fsr-3464	496	20	.	.	PUNCT
fsr-3464	497	1	similarly	similarly	ADV
fsr-3464	497	2	,	,	PUNCT
fsr-3464	497	3	having	have	VERB
fsr-3464	497	4	health	health	NOUN
fsr-3464	497	5	insurance	insurance	NOUN
fsr-3464	497	6	reduces	reduce	VERB
fsr-3464	497	7	it	it	PRON
fsr-3464	497	8	by	by	ADP
fsr-3464	497	9	42	42	NUM
fsr-3464	497	10	%	%	NOUN
fsr-3464	497	11	.	.	PUNCT
fsr-3464	498	1	column	column	NOUN
fsr-3464	498	2	4	4	NUM
fsr-3464	498	3	then	then	ADV
fsr-3464	498	4	provides	provide	VERB
fsr-3464	498	5	results	result	NOUN
fsr-3464	498	6	from	from	ADP
fsr-3464	498	7	a	a	DET
fsr-3464	498	8	logistic	logistic	ADJ
fsr-3464	498	9	regression	regression	NOUN
fsr-3464	498	10	on	on	ADP
fsr-3464	498	11	the	the	DET
fsr-3464	498	12	likelihood	likelihood	NOUN
fsr-3464	498	13	of	of	ADP
fsr-3464	498	14	respondents	respondent	NOUN
fsr-3464	498	15	stating	state	VERB
fsr-3464	498	16	that	that	SCONJ
fsr-3464	498	17	they	they	PRON
fsr-3464	498	18	have	have	VERB
fsr-3464	498	19	a	a	DET
fsr-3464	498	20	payday	payday	NOUN
fsr-3464	498	21	loan	loan	NOUN
fsr-3464	498	22	.	.	PUNCT
fsr-3464	499	1	financial	financial	ADJ
fsr-3464	499	2	literacy	literacy	NOUN
fsr-3464	499	3	decreases	decrease	VERB
fsr-3464	499	4	the	the	DET
fsr-3464	499	5	likelihood	likelihood	NOUN
fsr-3464	499	6	of	of	ADP
fsr-3464	499	7	having	have	VERB
fsr-3464	499	8	a	a	DET
fsr-3464	499	9	payday	payday	NOUN
fsr-3464	499	10	loan	loan	NOUN
fsr-3464	499	11	by	by	ADP
fsr-3464	499	12	70	70	NUM
fsr-3464	499	13	%	%	NOUN
fsr-3464	499	14	.	.	PUNCT
fsr-3464	500	1	as	as	SCONJ
fsr-3464	500	2	expected	expect	VERB
fsr-3464	500	3	,	,	PUNCT
fsr-3464	500	4	those	those	PRON
fsr-3464	500	5	who	who	PRON
fsr-3464	500	6	experience	experience	VERB
fsr-3464	500	7	a	a	DET
fsr-3464	500	8	drop	drop	NOUN
fsr-3464	500	9	in	in	ADP
fsr-3464	500	10	income	income	NOUN
fsr-3464	500	11	are	be	AUX
fsr-3464	500	12	239	239	NUM
fsr-3464	500	13	%	%	NOUN
fsr-3464	500	14	more	more	ADV
fsr-3464	500	15	likely	likely	ADJ
fsr-3464	500	16	to	to	PART
fsr-3464	500	17	access	access	VERB
fsr-3464	500	18	a	a	DET
fsr-3464	500	19	pawn	pawn	NOUN
fsr-3464	500	20	shop	shop	NOUN
fsr-3464	500	21	loan	loan	NOUN
fsr-3464	500	22	than	than	ADP
fsr-3464	500	23	respondents	respondent	NOUN
fsr-3464	500	24	whose	whose	DET
fsr-3464	500	25	income	income	NOUN
fsr-3464	500	26	remained	remain	VERB
fsr-3464	500	27	stable	stable	ADJ
fsr-3464	500	28	.	.	PUNCT
fsr-3464	501	1	5.3	5.3	NUM
fsr-3464	501	2	.	.	PUNCT
fsr-3464	501	3	financial	financial	ADJ
fsr-3464	501	4	literacy	literacy	NOUN
fsr-3464	501	5	and	and	CCONJ
fsr-3464	501	6	improper	improper	ADJ
fsr-3464	501	7	borrowing	borrowing	NOUN
fsr-3464	501	8	table	table	NOUN
fsr-3464	501	9	6	6	NUM
fsr-3464	501	10	provides	provide	VERB
fsr-3464	501	11	results	result	NOUN
fsr-3464	501	12	from	from	ADP
fsr-3464	501	13	six	six	NUM
fsr-3464	501	14	binary	binary	ADJ
fsr-3464	501	15	logistic	logistic	ADJ
fsr-3464	501	16	regression	regression	NOUN
fsr-3464	501	17	analyses	analysis	NOUN
fsr-3464	501	18	displaying	display	VERB
fsr-3464	501	19	the	the	DET
fsr-3464	501	20	likelihood	likelihood	NOUN
fsr-3464	501	21	of	of	ADP
fsr-3464	501	22	a	a	DET
fsr-3464	501	23	respondent	respondent	NOUN
fsr-3464	501	24	engaging	engage	VERB
fsr-3464	501	25	in	in	ADP
fsr-3464	501	26	improper	improper	ADJ
fsr-3464	501	27	borrowing	borrowing	NOUN
fsr-3464	501	28	.	.	PUNCT
fsr-3464	502	1	specifically	specifically	ADV
fsr-3464	502	2	,	,	PUNCT
fsr-3464	502	3	we	we	PRON
fsr-3464	502	4	focus	focus	VERB
fsr-3464	502	5	on	on	ADP
fsr-3464	502	6	the	the	DET
fsr-3464	502	7	likelihood	likelihood	NOUN
fsr-3464	502	8	of	of	ADP
fsr-3464	502	9	evidence	evidence	NOUN
fsr-3464	502	10	of	of	ADP
fsr-3464	502	11	myopic	myopic	ADJ
fsr-3464	502	12	spending	spending	NOUN
fsr-3464	502	13	such	such	ADJ
fsr-3464	502	14	as	as	ADP
fsr-3464	502	15	taking	take	VERB
fsr-3464	502	16	a	a	DET
fsr-3464	502	17	cash	cash	NOUN
fsr-3464	502	18	advance	advance	NOUN
fsr-3464	502	19	on	on	ADP
fsr-3464	502	20	a	a	DET
fsr-3464	502	21	credit	credit	NOUN
fsr-3464	502	22	card	card	NOUN
fsr-3464	502	23	,	,	PUNCT
fsr-3464	502	24	incurring	incur	VERB
fsr-3464	502	25	a	a	DET
fsr-3464	502	26	bank	bank	NOUN
fsr-3464	502	27	overdraft	overdraft	NOUN
fsr-3464	502	28	,	,	PUNCT
fsr-3464	502	29	or	or	CCONJ
fsr-3464	502	30	maxing	maxe	VERB
fsr-3464	502	31	out	out	ADP
fsr-3464	502	32	a	a	DET
fsr-3464	502	33	credit	credit	NOUN
fsr-3464	502	34	card	card	NOUN
fsr-3464	502	35	.	.	PUNCT
fsr-3464	503	1	we	we	PRON
fsr-3464	503	2	then	then	ADV
fsr-3464	503	3	included	include	VERB
fsr-3464	503	4	an	an	DET
fsr-3464	503	5	interaction	interaction	NOUN
fsr-3464	503	6	term	term	NOUN
fsr-3464	503	7	(	(	PUNCT
fsr-3464	503	8	financially	financially	ADV
fsr-3464	503	9	literate*drop	literate*drop	NOUN
fsr-3464	503	10	in	in	ADP
fsr-3464	503	11	income	income	NOUN
fsr-3464	503	12	)	)	PUNCT
fsr-3464	503	13	and	and	CCONJ
fsr-3464	503	14	reran	rerun	VERB
fsr-3464	503	15	the	the	DET
fsr-3464	503	16	analyses	analysis	NOUN
fsr-3464	503	17	using	use	VERB
fsr-3464	503	18	our	our	PRON
fsr-3464	503	19	empirical	empirical	ADJ
fsr-3464	503	20	models	model	NOUN
fsr-3464	503	21	.	.	PUNCT
fsr-3464	504	1	results	result	NOUN
fsr-3464	504	2	presented	present	VERB
fsr-3464	504	3	in	in	ADP
fsr-3464	504	4	column	column	PROPN
fsr-3464	504	5	1a	1a	PROPN
fsr-3464	504	6	shows	show	VERB
fsr-3464	504	7	that	that	SCONJ
fsr-3464	504	8	financial	financial	ADJ
fsr-3464	504	9	literacy	literacy	NOUN
fsr-3464	504	10	reduces	reduce	VERB
fsr-3464	504	11	the	the	DET
fsr-3464	504	12	likelihood	likelihood	NOUN
fsr-3464	504	13	of	of	ADP
fsr-3464	504	14	maxing	maxe	VERB
fsr-3464	504	15	out	out	ADP
fsr-3464	504	16	credit	credit	NOUN
fsr-3464	504	17	cards	card	NOUN
fsr-3464	504	18	by	by	ADP
fsr-3464	504	19	63	63	NUM
fsr-3464	504	20	%	%	NOUN
fsr-3464	504	21	.	.	PUNCT
fsr-3464	505	1	those	those	PRON
fsr-3464	505	2	who	who	PRON
fsr-3464	505	3	have	have	VERB
fsr-3464	505	4	a	a	DET
fsr-3464	505	5	drop	drop	NOUN
fsr-3464	505	6	in	in	ADP
fsr-3464	505	7	income	income	NOUN
fsr-3464	505	8	in	in	ADP
fsr-3464	505	9	the	the	DET
fsr-3464	505	10	last	last	ADJ
fsr-3464	505	11	year	year	NOUN
fsr-3464	505	12	are	be	AUX
fsr-3464	505	13	189	189	NUM
fsr-3464	505	14	%	%	NOUN
fsr-3464	505	15	more	more	ADV
fsr-3464	505	16	likely	likely	ADJ
fsr-3464	505	17	to	to	PART
fsr-3464	505	18	max	max	VERB
fsr-3464	505	19	out	out	ADP
fsr-3464	505	20	their	their	PRON
fsr-3464	505	21	credit	credit	NOUN
fsr-3464	505	22	cards	card	NOUN
fsr-3464	505	23	,	,	PUNCT
fsr-3464	505	24	while	while	SCONJ
fsr-3464	505	25	a	a	DET
fsr-3464	505	26	positive	positive	ADJ
fsr-3464	505	27	cash	cash	NOUN
fsr-3464	505	28	flow	flow	NOUN
fsr-3464	505	29	reduces	reduce	VERB
fsr-3464	505	30	the	the	DET
fsr-3464	505	31	likelihood	likelihood	NOUN
fsr-3464	505	32	by	by	ADP
fsr-3464	505	33	31	31	NUM
fsr-3464	505	34	%	%	NOUN
fsr-3464	505	35	.	.	PUNCT
fsr-3464	506	1	in	in	ADP
fsr-3464	506	2	column	column	NOUN
fsr-3464	506	3	1b	1b	NUM
fsr-3464	506	4	,	,	PUNCT
fsr-3464	506	5	we	we	PRON
fsr-3464	506	6	observe	observe	VERB
fsr-3464	506	7	the	the	DET
fsr-3464	506	8	relation	relation	NOUN
fsr-3464	506	9	between	between	ADP
fsr-3464	506	10	our	our	PRON
fsr-3464	506	11	interaction	interaction	NOUN
fsr-3464	506	12	term	term	NOUN
fsr-3464	506	13	and	and	CCONJ
fsr-3464	506	14	the	the	DET
fsr-3464	506	15	likelihood	likelihood	NOUN
fsr-3464	506	16	of	of	ADP
fsr-3464	506	17	maxing	maxe	VERB
fsr-3464	506	18	out	out	ADP
fsr-3464	506	19	credit	credit	NOUN
fsr-3464	506	20	cards	card	NOUN
fsr-3464	506	21	.	.	PUNCT
fsr-3464	507	1	even	even	ADV
fsr-3464	507	2	when	when	SCONJ
fsr-3464	507	3	faced	face	VERB
fsr-3464	507	4	with	with	ADP
fsr-3464	507	5	an	an	DET
fsr-3464	507	6	income	income	NOUN
fsr-3464	507	7	shock	shock	NOUN
fsr-3464	507	8	,	,	PUNCT
fsr-3464	507	9	we	we	PRON
fsr-3464	507	10	find	find	VERB
fsr-3464	507	11	that	that	SCONJ
fsr-3464	507	12	being	be	AUX
fsr-3464	507	13	financially	financially	ADV
fsr-3464	507	14	literate	literate	ADJ
fsr-3464	507	15	reduces	reduce	VERB
fsr-3464	507	16	the	the	DET
fsr-3464	507	17	likelihood	likelihood	NOUN
fsr-3464	507	18	of	of	ADP
fsr-3464	507	19	maxing	maxe	VERB
fsr-3464	507	20	out	out	ADP
fsr-3464	507	21	credit	credit	NOUN
fsr-3464	507	22	cards	card	NOUN
fsr-3464	507	23	by	by	ADP
fsr-3464	507	24	38	38	NUM
fsr-3464	507	25	%	%	NOUN
fsr-3464	507	26	compared	compare	VERB
fsr-3464	507	27	with	with	ADP
fsr-3464	507	28	non	non	ADJ
fsr-3464	507	29	-	-	ADJ
fsr-3464	507	30	financially	financially	ADV
fsr-3464	507	31	literate	literate	ADJ
fsr-3464	507	32	individuals	individual	NOUN
fsr-3464	507	33	.	.	PUNCT
fsr-3464	508	1	as	as	SCONJ
fsr-3464	508	2	shown	show	VERB
fsr-3464	508	3	in	in	ADP
fsr-3464	508	4	column	column	NOUN
fsr-3464	508	5	2a	2a	NUM
fsr-3464	508	6	,	,	PUNCT
fsr-3464	508	7	financial	financial	ADJ
fsr-3464	508	8	literacy	literacy	NOUN
fsr-3464	508	9	reduces	reduce	VERB
fsr-3464	508	10	the	the	DET
fsr-3464	508	11	likelihood	likelihood	NOUN
fsr-3464	508	12	of	of	ADP
fsr-3464	508	13	having	have	VERB
fsr-3464	508	14	a	a	DET
fsr-3464	508	15	bank	bank	NOUN
fsr-3464	508	16	overdraft	overdraft	NOUN
fsr-3464	508	17	by	by	ADP
fsr-3464	508	18	43	43	NUM
fsr-3464	508	19	%	%	NOUN
fsr-3464	508	20	.	.	PUNCT
fsr-3464	509	1	individuals	individual	NOUN
fsr-3464	509	2	who	who	PRON
fsr-3464	509	3	experience	experience	VERB
fsr-3464	509	4	a	a	DET
fsr-3464	509	5	drop	drop	NOUN
fsr-3464	509	6	in	in	ADP
fsr-3464	509	7	income	income	NOUN
fsr-3464	509	8	are	be	AUX
fsr-3464	509	9	nearly	nearly	ADV
fsr-3464	509	10	three	three	NUM
fsr-3464	509	11	times	time	NOUN
fsr-3464	509	12	as	as	ADV
fsr-3464	509	13	likely	likely	ADJ
fsr-3464	509	14	to	to	PART
fsr-3464	509	15	have	have	VERB
fsr-3464	509	16	an	an	DET
fsr-3464	509	17	overdraft	overdraft	NOUN
fsr-3464	509	18	.	.	PUNCT
fsr-3464	510	1	having	have	VERB
fsr-3464	510	2	an	an	DET
fsr-3464	510	3	emergency	emergency	NOUN
fsr-3464	510	4	fund	fund	NOUN
fsr-3464	510	5	decreases	decrease	VERB
fsr-3464	510	6	the	the	DET
fsr-3464	510	7	likelihood	likelihood	NOUN
fsr-3464	510	8	of	of	ADP
fsr-3464	510	9	overdraft	overdraft	NOUN
fsr-3464	510	10	by	by	ADP
fsr-3464	510	11	53	53	NUM
fsr-3464	510	12	%	%	NOUN
fsr-3464	510	13	,	,	PUNCT
fsr-3464	510	14	and	and	CCONJ
fsr-3464	510	15	a	a	DET
fsr-3464	510	16	positive	positive	ADJ
fsr-3464	510	17	cash	cash	NOUN
fsr-3464	510	18	flow	flow	NOUN
fsr-3464	510	19	reduces	reduce	VERB
fsr-3464	510	20	the	the	DET
fsr-3464	510	21	likelihood	likelihood	NOUN
fsr-3464	510	22	by	by	ADP
fsr-3464	510	23	52	52	NUM
fsr-3464	510	24	%	%	NOUN
fsr-3464	510	25	.	.	PUNCT
fsr-3464	511	1	in	in	ADP
fsr-3464	511	2	column	column	NOUN
fsr-3464	511	3	2b	2b	NOUN
fsr-3464	511	4	,	,	PUNCT
fsr-3464	511	5	we	we	PRON
fsr-3464	511	6	add	add	VERB
fsr-3464	511	7	interaction	interaction	NOUN
fsr-3464	511	8	terms	term	NOUN
fsr-3464	511	9	to	to	PART
fsr-3464	511	10	account	account	VERB
fsr-3464	511	11	for	for	ADP
fsr-3464	511	12	the	the	DET
fsr-3464	511	13	effects	effect	NOUN
fsr-3464	511	14	of	of	ADP
fsr-3464	511	15	an	an	DET
fsr-3464	511	16	income	income	NOUN
fsr-3464	511	17	drop	drop	NOUN
fsr-3464	511	18	plus	plus	CCONJ
fsr-3464	511	19	financial	financial	ADJ
fsr-3464	511	20	literacy	literacy	NOUN
fsr-3464	511	21	on	on	ADP
fsr-3464	511	22	the	the	DET
fsr-3464	511	23	likelihood	likelihood	NOUN
fsr-3464	511	24	of	of	ADP
fsr-3464	511	25	having	have	VERB
fsr-3464	511	26	an	an	DET
fsr-3464	511	27	overdraft	overdraft	NOUN
fsr-3464	511	28	.	.	PUNCT
fsr-3464	512	1	we	we	PRON
fsr-3464	512	2	see	see	VERB
fsr-3464	512	3	that	that	SCONJ
fsr-3464	512	4	when	when	SCONJ
fsr-3464	512	5	faced	face	VERB
fsr-3464	512	6	with	with	ADP
fsr-3464	512	7	a	a	DET
fsr-3464	512	8	t.	t.	PROPN
fsr-3464	512	9	martin	martin	PROPN
fsr-3464	512	10	et	et	PROPN
fsr-3464	512	11	al	al	PROPN
fsr-3464	512	12	.	.	PUNCT
fsr-3464	512	13	/	/	SYM
fsr-3464	512	14	financial	financial	ADJ
fsr-3464	512	15	services	service	NOUN
fsr-3464	512	16	review	review	VERB
fsr-3464	512	17	29	29	NUM
fsr-3464	512	18	(	(	PUNCT
fsr-3464	512	19	2021	2021	NUM
fsr-3464	512	20	)	)	PUNCT
fsr-3464	512	21	293–314	293–314	NUM
fsr-3464	512	22	305	305	NUM
fsr-3464	512	23	t	t	X
fsr-3464	512	24	ab	ab	PROPN
fsr-3464	512	25	le	le	PROPN
fsr-3464	512	26	6	6	NUM
fsr-3464	512	27	b	b	PROPN
fsr-3464	512	28	in	in	ADP
fsr-3464	512	29	ar	ar	PROPN
fsr-3464	512	30	y	y	PROPN
fsr-3464	512	31	lo	lo	PROPN
fsr-3464	512	32	g	g	PROPN
fsr-3464	512	33	is	be	AUX
fsr-3464	512	34	ti	ti	X
fsr-3464	512	35	c	c	NOUN
fsr-3464	512	36	re	re	ADP
fsr-3464	512	37	g	g	PROPN
fsr-3464	512	38	re	re	ADP
fsr-3464	512	39	ss	ss	PROPN
fsr-3464	512	40	io	io	PROPN
fsr-3464	512	41	n	n	ADV
fsr-3464	512	42	o	o	NOUN
fsr-3464	512	43	n	n	ADV
fsr-3464	512	44	th	th	X
fsr-3464	512	45	e	e	PROPN
fsr-3464	512	46	li	li	PROPN
fsr-3464	512	47	k	k	PROPN
fsr-3464	512	48	el	el	PROPN
fsr-3464	513	1	ih	ih	PROPN
fsr-3464	514	1	o	o	X
fsr-3464	515	1	o	o	X
fsr-3464	516	1	d	d	X
fsr-3464	516	2	o	o	X
fsr-3464	516	3	f	f	X
fsr-3464	516	4	th	th	X
fsr-3464	516	5	re	re	X
fsr-3464	516	6	e	e	NOUN
fsr-3464	516	7	fo	fo	ADP
fsr-3464	516	8	rm	rm	PROPN
fsr-3464	516	9	s	s	PART
fsr-3464	516	10	o	o	X
fsr-3464	516	11	f	f	PROPN
fsr-3464	516	12	in	in	ADP
fsr-3464	516	13	ap	ap	PROPN
fsr-3464	516	14	p	p	PROPN
fsr-3464	516	15	ro	ro	PROPN
fsr-3464	516	16	p	p	X
fsr-3464	516	17	ri	ri	PROPN
fsr-3464	516	18	at	at	ADP
fsr-3464	516	19	e	e	PROPN
fsr-3464	516	20	b	b	PROPN
fsr-3464	516	21	o	o	X
fsr-3464	516	22	rr	rr	NOUN
fsr-3464	517	1	o	o	X
fsr-3464	517	2	w	w	NOUN
fsr-3464	517	3	in	in	ADP
fsr-3464	517	4	g	g	PROPN
fsr-3464	517	5	m	m	NOUN
fsr-3464	517	6	ax	ax	NOUN
fsr-3464	517	7	ed	ed	NOUN
fsr-3464	517	8	c	c	PROPN
fsr-3464	517	9	c	c	NOUN
fsr-3464	517	10	m	m	VERB
fsr-3464	517	11	ax	ax	NOUN
fsr-3464	518	1	ed	ed	NOUN
fsr-3464	518	2	c	c	PROPN
fsr-3464	518	3	c	c	PROPN
fsr-3464	518	4	w	w	PROPN
fsr-3464	518	5	/	/	PUNCT
fsr-3464	518	6	in	in	ADP
fsr-3464	518	7	te	te	ADP
fsr-3464	518	8	ra	ra	PROPN
fsr-3464	518	9	ct	ct	PROPN
fsr-3464	518	10	io	io	PROPN
fsr-3464	519	1	n	n	PROPN
fsr-3464	519	2	s	s	PROPN
fsr-3464	519	3	o	o	NOUN
fsr-3464	519	4	v	v	ADP
fsr-3464	519	5	er	er	INTJ
fsr-3464	519	6	d	d	X
fsr-3464	519	7	ra	ra	PROPN
fsr-3464	519	8	ft	ft	NOUN
fsr-3464	519	9	o	o	NOUN
fsr-3464	519	10	v	v	INTJ
fsr-3464	519	11	er	er	INTJ
fsr-3464	519	12	d	d	X
fsr-3464	519	13	ra	ra	PROPN
fsr-3464	519	14	ft	ft	PROPN
fsr-3464	519	15	w	w	PROPN
fsr-3464	519	16	/	/	PUNCT
fsr-3464	519	17	in	in	ADP
fsr-3464	519	18	te	te	ADP
fsr-3464	519	19	ra	ra	PROPN
fsr-3464	519	20	ct	ct	PROPN
fsr-3464	519	21	io	io	PROPN
fsr-3464	519	22	n	n	PROPN
fsr-3464	519	23	s	s	PROPN
fsr-3464	519	24	c	c	NOUN
fsr-3464	519	25	as	as	ADP
fsr-3464	519	26	h	h	PROPN
fsr-3464	519	27	ad	ad	NOUN
fsr-3464	519	28	v	v	ADP
fsr-3464	519	29	o	o	NOUN
fsr-3464	519	30	n	n	ADP
fsr-3464	519	31	c	c	NOUN
fsr-3464	519	32	c	c	NOUN
fsr-3464	519	33	c	c	PROPN
fsr-3464	519	34	as	as	ADP
fsr-3464	519	35	h	h	PROPN
fsr-3464	519	36	ad	ad	NOUN
fsr-3464	519	37	v	v	ADP
fsr-3464	519	38	o	o	NOUN
fsr-3464	520	1	n	n	PRON
fsr-3464	520	2	c	c	NOUN
fsr-3464	520	3	c	c	NOUN
fsr-3464	520	4	w	w	PROPN
fsr-3464	520	5	/	/	PUNCT
fsr-3464	520	6	in	in	ADP
fsr-3464	520	7	te	te	ADP
fsr-3464	520	8	ra	ra	PROPN
fsr-3464	521	1	ct	ct	PROPN
fsr-3464	521	2	io	io	PROPN
fsr-3464	521	3	n	n	PROPN
fsr-3464	521	4	s	s	PROPN
fsr-3464	521	5	v	v	PROPN
fsr-3464	521	6	ar	ar	PROPN
fsr-3464	521	7	ia	ia	PROPN
fsr-3464	521	8	b	b	PROPN
fsr-3464	521	9	le	le	X
fsr-3464	521	10	o	o	PROPN
fsr-3464	522	1	d	d	X
fsr-3464	522	2	d	d	X
fsr-3464	522	3	s	s	VERB
fsr-3464	522	4	ra	ra	NOUN
fsr-3464	522	5	ti	ti	NOUN
fsr-3464	522	6	o	o	NOUN
fsr-3464	523	1	p	p	X
fsr-3464	523	2	o	o	X
fsr-3464	524	1	d	d	X
fsr-3464	524	2	d	d	X
fsr-3464	524	3	s	s	VERB
fsr-3464	524	4	ra	ra	NOUN
fsr-3464	524	5	ti	ti	NOUN
fsr-3464	524	6	o	o	NOUN
fsr-3464	525	1	p	p	X
fsr-3464	525	2	o	o	X
fsr-3464	526	1	d	d	X
fsr-3464	526	2	d	d	X
fsr-3464	526	3	s	s	VERB
fsr-3464	526	4	ra	ra	NOUN
fsr-3464	526	5	ti	ti	NOUN
fsr-3464	526	6	o	o	NOUN
fsr-3464	527	1	p	p	X
fsr-3464	527	2	o	o	X
fsr-3464	528	1	d	d	X
fsr-3464	528	2	d	d	X
fsr-3464	528	3	s	s	VERB
fsr-3464	528	4	ra	ra	NOUN
fsr-3464	528	5	ti	ti	NOUN
fsr-3464	528	6	o	o	NOUN
fsr-3464	529	1	p	p	X
fsr-3464	529	2	o	o	X
fsr-3464	530	1	d	d	X
fsr-3464	530	2	d	d	X
fsr-3464	530	3	s	s	VERB
fsr-3464	530	4	ra	ra	NOUN
fsr-3464	530	5	ti	ti	NOUN
fsr-3464	530	6	o	o	NOUN
fsr-3464	531	1	p	p	X
fsr-3464	531	2	o	o	X
fsr-3464	532	1	d	d	X
fsr-3464	532	2	d	d	X
fsr-3464	532	3	s	s	VERB
fsr-3464	532	4	ra	ra	NOUN
fsr-3464	532	5	ti	ti	NOUN
fsr-3464	532	6	o	o	NOUN
fsr-3464	532	7	p	p	NOUN
fsr-3464	532	8	in	in	ADP
fsr-3464	532	9	te	te	PROPN
fsr-3464	532	10	rc	rc	PROPN
fsr-3464	532	11	ep	ep	PROPN
fsr-3464	532	12	t	t	PROPN
fsr-3464	532	13	0	0	NUM
fsr-3464	532	14	.3	.3	NUM
fsr-3464	532	15	5	5	NUM
fsr-3464	533	1	*	*	PUNCT
fsr-3464	534	1	*	*	PUNCT
fsr-3464	534	2	*	*	PUNCT
fsr-3464	534	3	0	0	NUM
fsr-3464	534	4	.1	.1	NUM
fsr-3464	534	5	3	3	NUM
fsr-3464	534	6	*	*	PUNCT
fsr-3464	535	1	*	*	PUNCT
fsr-3464	536	1	*	*	PUNCT
fsr-3464	536	2	0	0	PUNCT
fsr-3464	537	1	.4	.4	NUM
fsr-3464	537	2	0	0	PUNCT
fsr-3464	538	1	*	*	PUNCT
fsr-3464	539	1	*	*	PUNCT
fsr-3464	540	1	*	*	PUNCT
fsr-3464	540	2	0	0	NUM
fsr-3464	540	3	.3	.3	NUM
fsr-3464	540	4	8	8	NUM
fsr-3464	541	1	*	*	PUNCT
fsr-3464	542	1	*	*	PUNCT
fsr-3464	543	1	*	*	PUNCT
fsr-3464	543	2	0	0	NUM
fsr-3464	543	3	.1	.1	NUM
fsr-3464	543	4	8	8	NUM
fsr-3464	544	1	*	*	PUNCT
fsr-3464	545	1	*	*	PUNCT
fsr-3464	546	1	*	*	PUNCT
fsr-3464	546	2	0	0	NUM
fsr-3464	547	1	.1	.1	NUM
fsr-3464	547	2	7	7	NUM
fsr-3464	548	1	*	*	PUNCT
fsr-3464	549	1	*	*	PUNCT
fsr-3464	549	2	*	*	PUNCT
fsr-3464	549	3	f	f	X
fsr-3464	549	4	in	in	ADP
fsr-3464	549	5	an	an	DET
fsr-3464	549	6	ci	ci	PROPN
fsr-3464	549	7	al	al	PROPN
fsr-3464	549	8	li	li	PROPN
fsr-3464	550	1	te	te	PROPN
fsr-3464	550	2	ra	ra	PROPN
fsr-3464	550	3	cy	cy	PROPN
fsr-3464	550	4	(	(	PUNCT
fsr-3464	550	5	a	a	DET
fsr-3464	550	6	ll	ll	NOUN
fsr-3464	550	7	co	co	VERB
fsr-3464	550	8	rr	rr	PROPN
fsr-3464	550	9	ec	ec	PROPN
fsr-3464	550	10	t	t	PROPN
fsr-3464	550	11	)	)	PUNCT
fsr-3464	550	12	0	0	NUM
fsr-3464	551	1	.3	.3	NUM
fsr-3464	551	2	7	7	NUM
fsr-3464	552	1	*	*	PUNCT
fsr-3464	553	1	*	*	PUNCT
fsr-3464	554	1	*	*	PUNCT
fsr-3464	554	2	0	0	NUM
fsr-3464	555	1	.4	.4	NUM
fsr-3464	555	2	8	8	NUM
fsr-3464	555	3	*	*	PUNCT
fsr-3464	556	1	*	*	PUNCT
fsr-3464	557	1	*	*	PUNCT
fsr-3464	557	2	0	0	NUM
fsr-3464	557	3	.5	.5	NUM
fsr-3464	557	4	7	7	NUM
fsr-3464	557	5	*	*	PUNCT
fsr-3464	558	1	*	*	PUNCT
fsr-3464	559	1	*	*	PUNCT
fsr-3464	559	2	0	0	NUM
fsr-3464	560	1	.6	.6	NUM
fsr-3464	560	2	7	7	NUM
fsr-3464	560	3	*	*	PUNCT
fsr-3464	560	4	*	*	PUNCT
fsr-3464	561	1	*	*	PUNCT
fsr-3464	561	2	0	0	NUM
fsr-3464	562	1	.4	.4	NUM
fsr-3464	562	2	4	4	NUM
fsr-3464	562	3	*	*	PUNCT
fsr-3464	562	4	*	*	PUNCT
fsr-3464	563	1	*	*	PUNCT
fsr-3464	563	2	0	0	NUM
fsr-3464	564	1	.5	.5	NUM
fsr-3464	564	2	2	2	NUM
fsr-3464	564	3	*	*	PUNCT
fsr-3464	565	1	*	*	PUNCT
fsr-3464	565	2	*	*	PUNCT
fsr-3464	565	3	f	f	X
fsr-3464	565	4	in	in	ADP
fsr-3464	565	5	an	an	DET
fsr-3464	565	6	ci	ci	PROPN
fsr-3464	565	7	al	al	PROPN
fsr-3464	565	8	li	li	PROPN
fsr-3464	566	1	te	te	PROPN
fsr-3464	566	2	ra	ra	PROPN
fsr-3464	566	3	cy	cy	PROPN
fsr-3464	566	4	(	(	PUNCT
fsr-3464	566	5	a	a	DET
fsr-3464	566	6	ll	ll	NOUN
fsr-3464	566	7	co	co	VERB
fsr-3464	566	8	rr	rr	PROPN
fsr-3464	566	9	ec	ec	PROPN
fsr-3464	566	10	t	t	PROPN
fsr-3464	566	11	)	)	PUNCT
fsr-3464	566	12	0	0	NUM
fsr-3464	567	1	.3	.3	NUM
fsr-3464	567	2	7	7	NUM
fsr-3464	568	1	*	*	PUNCT
fsr-3464	569	1	*	*	PUNCT
fsr-3464	570	1	*	*	PUNCT
fsr-3464	570	2	0	0	NUM
fsr-3464	571	1	.4	.4	NUM
fsr-3464	571	2	8	8	NUM
fsr-3464	571	3	*	*	PUNCT
fsr-3464	572	1	*	*	PUNCT
fsr-3464	573	1	*	*	PUNCT
fsr-3464	573	2	0	0	NUM
fsr-3464	573	3	.5	.5	NUM
fsr-3464	573	4	7	7	NUM
fsr-3464	573	5	*	*	PUNCT
fsr-3464	574	1	*	*	PUNCT
fsr-3464	575	1	*	*	PUNCT
fsr-3464	575	2	0	0	NUM
fsr-3464	576	1	.6	.6	NUM
fsr-3464	576	2	7	7	NUM
fsr-3464	576	3	*	*	PUNCT
fsr-3464	576	4	*	*	PUNCT
fsr-3464	577	1	*	*	PUNCT
fsr-3464	577	2	0	0	NUM
fsr-3464	578	1	.4	.4	NUM
fsr-3464	578	2	4	4	NUM
fsr-3464	578	3	*	*	PUNCT
fsr-3464	578	4	*	*	PUNCT
fsr-3464	579	1	*	*	PUNCT
fsr-3464	579	2	0	0	NUM
fsr-3464	580	1	.5	.5	NUM
fsr-3464	580	2	2	2	NUM
fsr-3464	580	3	*	*	PUNCT
fsr-3464	581	1	*	*	PUNCT
fsr-3464	581	2	*	*	PUNCT
fsr-3464	581	3	s	s	X
fsr-3464	581	4	o	o	NOUN
fsr-3464	581	5	ci	ci	NOUN
fsr-3464	581	6	o	o	NOUN
fsr-3464	582	1	-d	-d	PUNCT
fsr-3464	582	2	em	em	PRON
fsr-3464	583	1	o	o	INTJ
fsr-3464	584	1	g	g	NOUN
fsr-3464	584	2	ra	ra	PROPN
fsr-3464	585	1	p	p	NOUN
fsr-3464	585	2	h	h	NOUN
fsr-3464	586	1	ic	ic	PROPN
fsr-3464	586	2	m	m	VERB
fsr-3464	586	3	al	al	PROPN
fsr-3464	586	4	e	e	PROPN
fsr-3464	586	5	1	1	NUM
fsr-3464	586	6	.4	.4	NUM
fsr-3464	586	7	7	7	NUM
fsr-3464	586	8	*	*	PUNCT
fsr-3464	587	1	*	*	PUNCT
fsr-3464	587	2	*	*	PUNCT
fsr-3464	587	3	1	1	NUM
fsr-3464	587	4	.0	.0	NUM
fsr-3464	587	5	4	4	NUM
fsr-3464	587	6	0	0	NUM
fsr-3464	587	7	.9	.9	NUM
fsr-3464	588	1	6	6	NUM
fsr-3464	588	2	0	0	NUM
fsr-3464	588	3	.9	.9	NUM
fsr-3464	588	4	6	6	NUM
fsr-3464	588	5	1	1	NUM
fsr-3464	588	6	.2	.2	NUM
fsr-3464	588	7	4	4	NUM
fsr-3464	588	8	*	*	PUNCT
fsr-3464	588	9	*	*	PUNCT
fsr-3464	588	10	1	1	NUM
fsr-3464	588	11	.2	.2	NUM
fsr-3464	588	12	4	4	NUM
fsr-3464	589	1	*	*	PUNCT
fsr-3464	589	2	*	*	PUNCT
fsr-3464	589	3	w	w	NOUN
fsr-3464	589	4	h	h	NOUN
fsr-3464	590	1	it	it	PRON
fsr-3464	590	2	e	e	X
fsr-3464	590	3	0	0	NUM
fsr-3464	591	1	.8	.8	NUM
fsr-3464	592	1	1	1	NUM
fsr-3464	593	1	*	*	PUNCT
fsr-3464	593	2	*	*	PUNCT
fsr-3464	593	3	0	0	NUM
fsr-3464	593	4	.8	.8	NUM
fsr-3464	593	5	3	3	NUM
fsr-3464	594	1	*	*	PUNCT
fsr-3464	594	2	*	*	PUNCT
fsr-3464	594	3	0	0	NUM
fsr-3464	594	4	.8	.8	NUM
fsr-3464	594	5	0	0	PUNCT
fsr-3464	595	1	*	*	PUNCT
fsr-3464	596	1	*	*	PUNCT
fsr-3464	596	2	*	*	PUNCT
fsr-3464	596	3	0	0	NUM
fsr-3464	597	1	.7	.7	NUM
fsr-3464	597	2	9	9	NUM
fsr-3464	597	3	*	*	PUNCT
fsr-3464	598	1	*	*	PUNCT
fsr-3464	599	1	*	*	PUNCT
fsr-3464	599	2	0	0	NUM
fsr-3464	599	3	.8	.8	NUM
fsr-3464	599	4	1	1	NUM
fsr-3464	600	1	*	*	PUNCT
fsr-3464	600	2	*	*	PUNCT
fsr-3464	600	3	0	0	NUM
fsr-3464	600	4	.8	.8	NUM
fsr-3464	600	5	1	1	NUM
fsr-3464	601	1	*	*	PUNCT
fsr-3464	601	2	*	*	PUNCT
fsr-3464	601	3	3	3	NUM
fsr-3464	601	4	5	5	NUM
fsr-3464	601	5	–	–	PUNCT
fsr-3464	601	6	4	4	NUM
fsr-3464	601	7	4	4	NUM
fsr-3464	601	8	0	0	NUM
fsr-3464	601	9	.7	.7	NUM
fsr-3464	601	10	1	1	NUM
fsr-3464	602	1	*	*	PUNCT
fsr-3464	603	1	*	*	PUNCT
fsr-3464	604	1	*	*	PUNCT
fsr-3464	604	2	0	0	NUM
fsr-3464	605	1	.6	.6	NUM
fsr-3464	605	2	7	7	NUM
fsr-3464	605	3	*	*	PUNCT
fsr-3464	605	4	*	*	PUNCT
fsr-3464	606	1	*	*	PUNCT
fsr-3464	606	2	0	0	NUM
fsr-3464	607	1	.9	.9	NUM
fsr-3464	607	2	1	1	NUM
fsr-3464	607	3	0	0	NUM
fsr-3464	607	4	.9	.9	NUM
fsr-3464	607	5	2	2	NUM
fsr-3464	607	6	0	0	NUM
fsr-3464	607	7	.7	.7	NUM
fsr-3464	607	8	1	1	NUM
fsr-3464	607	9	*	*	PUNCT
fsr-3464	608	1	*	*	PUNCT
fsr-3464	609	1	*	*	PUNCT
fsr-3464	609	2	0	0	NUM
fsr-3464	610	1	.7	.7	NUM
fsr-3464	610	2	2	2	NUM
fsr-3464	610	3	*	*	PUNCT
fsr-3464	611	1	*	*	PUNCT
fsr-3464	611	2	*	*	PUNCT
fsr-3464	611	3	4	4	NUM
fsr-3464	611	4	5	5	NUM
fsr-3464	611	5	–	–	PUNCT
fsr-3464	611	6	5	5	NUM
fsr-3464	611	7	4	4	NUM
fsr-3464	611	8	0	0	NUM
fsr-3464	611	9	.5	.5	NUM
fsr-3464	611	10	2	2	NUM
fsr-3464	611	11	*	*	PUNCT
fsr-3464	612	1	*	*	PUNCT
fsr-3464	613	1	*	*	PUNCT
fsr-3464	613	2	0	0	NUM
fsr-3464	614	1	.4	.4	NUM
fsr-3464	614	2	6	6	NUM
fsr-3464	614	3	*	*	PUNCT
fsr-3464	614	4	*	*	PUNCT
fsr-3464	615	1	*	*	PUNCT
fsr-3464	615	2	0	0	NUM
fsr-3464	616	1	.6	.6	NUM
fsr-3464	616	2	8	8	NUM
fsr-3464	616	3	*	*	PUNCT
fsr-3464	616	4	*	*	PUNCT
fsr-3464	617	1	*	*	PUNCT
fsr-3464	617	2	0	0	NUM
fsr-3464	618	1	.6	.6	NUM
fsr-3464	618	2	9	9	NUM
fsr-3464	618	3	*	*	PUNCT
fsr-3464	618	4	*	*	PUNCT
fsr-3464	619	1	*	*	PUNCT
fsr-3464	619	2	0	0	NUM
fsr-3464	620	1	.6	.6	NUM
fsr-3464	620	2	8	8	NUM
fsr-3464	620	3	*	*	PUNCT
fsr-3464	620	4	*	*	PUNCT
fsr-3464	621	1	*	*	PUNCT
fsr-3464	621	2	0	0	NUM
fsr-3464	622	1	.6	.6	NUM
fsr-3464	622	2	9	9	NUM
fsr-3464	622	3	*	*	PUNCT
fsr-3464	622	4	*	*	PUNCT
fsr-3464	622	5	*	*	PUNCT
fsr-3464	622	6	m	m	PROPN
fsr-3464	622	7	ar	ar	PROPN
fsr-3464	622	8	ri	ri	PROPN
fsr-3464	622	9	ed	ed	PROPN
fsr-3464	622	10	0	0	NUM
fsr-3464	622	11	.8	.8	NUM
fsr-3464	622	12	8	8	NUM
fsr-3464	622	13	1	1	NUM
fsr-3464	622	14	.0	.0	NUM
fsr-3464	622	15	5	5	NUM
fsr-3464	622	16	1	1	NUM
fsr-3464	622	17	.0	.0	NUM
fsr-3464	622	18	9	9	NUM
fsr-3464	622	19	1	1	NUM
fsr-3464	622	20	.0	.0	NUM
fsr-3464	622	21	9	9	NUM
fsr-3464	622	22	0	0	NUM
fsr-3464	622	23	.7	.7	NUM
fsr-3464	622	24	8	8	NUM
fsr-3464	622	25	*	*	PUNCT
fsr-3464	623	1	*	*	PUNCT
fsr-3464	623	2	0	0	NUM
fsr-3464	624	1	.7	.7	NUM
fsr-3464	624	2	8	8	NUM
fsr-3464	625	1	*	*	PUNCT
fsr-3464	625	2	*	*	PUNCT
fsr-3464	625	3	2	2	NUM
fsr-3464	625	4	5	5	NUM
fsr-3464	625	5	,	,	PUNCT
fsr-3464	625	6	0	0	NUM
fsr-3464	625	7	0	0	NUM
fsr-3464	625	8	0	0	NUM
fsr-3464	625	9	–	–	PUNCT
fsr-3464	625	10	3	3	NUM
fsr-3464	625	11	4	4	NUM
fsr-3464	625	12	,	,	PUNCT
fsr-3464	625	13	9	9	NUM
fsr-3464	625	14	9	9	NUM
fsr-3464	625	15	9	9	NUM
fsr-3464	625	16	0	0	NUM
fsr-3464	625	17	.7	.7	NUM
fsr-3464	625	18	0	0	PUNCT
fsr-3464	626	1	*	*	PUNCT
fsr-3464	626	2	0	0	NUM
fsr-3464	627	1	.6	.6	NUM
fsr-3464	627	2	7	7	NUM
fsr-3464	627	3	*	*	SYM
fsr-3464	627	4	0	0	NUM
fsr-3464	627	5	.7	.7	NUM
fsr-3464	627	6	7	7	NUM
fsr-3464	627	7	0	0	NUM
fsr-3464	627	8	.7	.7	NUM
fsr-3464	627	9	8	8	NUM
fsr-3464	627	10	0	0	NUM
fsr-3464	627	11	.9	.9	NUM
fsr-3464	627	12	1	1	NUM
fsr-3464	627	13	0	0	NUM
fsr-3464	627	14	.9	.9	NUM
fsr-3464	627	15	2	2	NUM
fsr-3464	627	16	3	3	NUM
fsr-3464	627	17	5	5	NUM
fsr-3464	627	18	,	,	PUNCT
fsr-3464	627	19	0	0	NUM
fsr-3464	627	20	0	0	NUM
fsr-3464	627	21	0	0	NUM
fsr-3464	627	22	–	–	PUNCT
fsr-3464	627	23	4	4	NUM
fsr-3464	627	24	9	9	NUM
fsr-3464	627	25	,	,	PUNCT
fsr-3464	627	26	9	9	NUM
fsr-3464	627	27	9	9	NUM
fsr-3464	627	28	9	9	NUM
fsr-3464	627	29	0	0	NUM
fsr-3464	627	30	.5	.5	NUM
fsr-3464	627	31	3	3	NUM
fsr-3464	627	32	*	*	PUNCT
fsr-3464	627	33	*	*	PUNCT
fsr-3464	628	1	*	*	PUNCT
fsr-3464	628	2	0	0	NUM
fsr-3464	629	1	.7	.7	NUM
fsr-3464	629	2	0	0	PUNCT
fsr-3464	630	1	*	*	PUNCT
fsr-3464	630	2	0	0	NUM
fsr-3464	631	1	.7	.7	NUM
fsr-3464	631	2	9	9	NUM
fsr-3464	631	3	0	0	NUM
fsr-3464	631	4	.8	.8	NUM
fsr-3464	631	5	0	0	SYM
fsr-3464	631	6	0	0	NUM
fsr-3464	631	7	.8	.8	NUM
fsr-3464	631	8	9	9	NUM
fsr-3464	631	9	0	0	NUM
fsr-3464	632	1	.9	.9	NUM
fsr-3464	632	2	0	0	NUM
fsr-3464	632	3	5	5	NUM
fsr-3464	632	4	0	0	NUM
fsr-3464	632	5	,	,	PUNCT
fsr-3464	632	6	0	0	NUM
fsr-3464	632	7	0	0	NUM
fsr-3464	632	8	0	0	NUM
fsr-3464	632	9	–	–	PUNCT
fsr-3464	632	10	7	7	NUM
fsr-3464	632	11	4	4	NUM
fsr-3464	632	12	,	,	PUNCT
fsr-3464	632	13	9	9	NUM
fsr-3464	632	14	9	9	NUM
fsr-3464	632	15	9	9	NUM
fsr-3464	632	16	0	0	NUM
fsr-3464	632	17	.5	.5	NUM
fsr-3464	632	18	8	8	NUM
fsr-3464	632	19	*	*	PUNCT
fsr-3464	633	1	*	*	PUNCT
fsr-3464	634	1	*	*	PUNCT
fsr-3464	634	2	0	0	NUM
fsr-3464	635	1	.5	.5	NUM
fsr-3464	635	2	5	5	NUM
fsr-3464	636	1	*	*	PUNCT
fsr-3464	636	2	*	*	PUNCT
fsr-3464	636	3	0	0	NUM
fsr-3464	636	4	.7	.7	NUM
fsr-3464	636	5	4	4	NUM
fsr-3464	636	6	*	*	SYM
fsr-3464	636	7	0	0	NUM
fsr-3464	636	8	.7	.7	NUM
fsr-3464	636	9	6	6	NUM
fsr-3464	636	10	*	*	SYM
fsr-3464	636	11	0	0	NUM
fsr-3464	636	12	.7	.7	NUM
fsr-3464	636	13	5	5	NUM
fsr-3464	636	14	0	0	NUM
fsr-3464	636	15	.7	.7	NUM
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fsr-3464	636	19	,	,	PUNCT
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fsr-3464	674	6	sk	sk	VERB
fsr-3464	674	7	4	4	NUM
fsr-3464	674	8	.0	.0	NUM
fsr-3464	674	9	6	6	NUM
fsr-3464	674	10	*	*	PUNCT
fsr-3464	675	1	*	*	PUNCT
fsr-3464	676	1	*	*	PUNCT
fsr-3464	676	2	5	5	NUM
fsr-3464	676	3	.1	.1	NUM
fsr-3464	676	4	1	1	NUM
fsr-3464	676	5	*	*	PUNCT
fsr-3464	677	1	*	*	PUNCT
fsr-3464	677	2	*	*	PUNCT
fsr-3464	677	3	3	3	NUM
fsr-3464	677	4	.1	.1	NUM
fsr-3464	677	5	6	6	NUM
fsr-3464	677	6	*	*	PUNCT
fsr-3464	678	1	*	*	PUNCT
fsr-3464	678	2	*	*	PUNCT
fsr-3464	678	3	3	3	NUM
fsr-3464	678	4	.1	.1	NUM
fsr-3464	678	5	0	0	PUNCT
fsr-3464	679	1	*	*	PUNCT
fsr-3464	680	1	*	*	PUNCT
fsr-3464	680	2	*	*	PUNCT
fsr-3464	680	3	4	4	NUM
fsr-3464	680	4	.5	.5	NUM
fsr-3464	680	5	6	6	NUM
fsr-3464	680	6	*	*	PUNCT
fsr-3464	681	1	*	*	PUNCT
fsr-3464	681	2	*	*	PUNCT
fsr-3464	681	3	4	4	NUM
fsr-3464	681	4	.5	.5	NUM
fsr-3464	681	5	2	2	NUM
fsr-3464	681	6	*	*	PUNCT
fsr-3464	682	1	*	*	PUNCT
fsr-3464	682	2	*	*	PUNCT
fsr-3464	682	3	f	f	X
fsr-3464	682	4	in	in	ADP
fsr-3464	682	5	an	an	DET
fsr-3464	682	6	ci	ci	NOUN
fsr-3464	682	7	al	al	PROPN
fsr-3464	682	8	ca	ca	PROPN
fsr-3464	682	9	p	p	NOUN
fsr-3464	682	10	ac	ac	PROPN
fsr-3464	683	1	it	it	PRON
fsr-3464	684	1	y	y	INTJ
fsr-3464	684	2	(	(	PUNCT
fsr-3464	684	3	c	c	NOUN
fsr-3464	684	4	o	o	NOUN
fsr-3464	684	5	n	n	CCONJ
fsr-3464	684	6	ti	ti	NOUN
fsr-3464	684	7	n	n	CCONJ
fsr-3464	684	8	u	u	NOUN
fsr-3464	684	9	ed	ed	NOUN
fsr-3464	684	10	o	o	PROPN
fsr-3464	684	11	n	n	CCONJ
fsr-3464	684	12	n	n	NOUN
fsr-3464	684	13	ex	ex	ADJ
fsr-3464	684	14	t	t	NOUN
fsr-3464	684	15	p	p	X
fsr-3464	684	16	a	a	DET
fsr-3464	684	17	g	g	NOUN
fsr-3464	684	18	e	e	NOUN
fsr-3464	684	19	)	)	PUNCT
fsr-3464	684	20	306	306	NUM
fsr-3464	684	21	t.	t.	NOUN
fsr-3464	684	22	martin	martin	PROPN
fsr-3464	684	23	et	et	PROPN
fsr-3464	684	24	al	al	PROPN
fsr-3464	684	25	.	.	PUNCT
fsr-3464	684	26	/	/	SYM
fsr-3464	684	27	financial	financial	ADJ
fsr-3464	684	28	services	service	NOUN
fsr-3464	684	29	review	review	VERB
fsr-3464	684	30	29	29	NUM
fsr-3464	684	31	(	(	PUNCT
fsr-3464	684	32	2021	2021	NUM
fsr-3464	684	33	)	)	PUNCT
fsr-3464	685	1	293–314	293–314	NUM
fsr-3464	685	2	t	t	PROPN
fsr-3464	685	3	ab	ab	X
fsr-3464	685	4	le	le	X
fsr-3464	685	5	6	6	NUM
fsr-3464	685	6	(	(	PUNCT
fsr-3464	685	7	c	c	NOUN
fsr-3464	685	8	o	o	NOUN
fsr-3464	685	9	n	n	CCONJ
fsr-3464	685	10	ti	ti	NOUN
fsr-3464	685	11	n	n	CCONJ
fsr-3464	685	12	u	u	NOUN
fsr-3464	685	13	ed	ed	NOUN
fsr-3464	685	14	)	)	PUNCT
fsr-3464	685	15	m	m	VERB
fsr-3464	685	16	ax	ax	INTJ
fsr-3464	686	1	ed	ed	NOUN
fsr-3464	686	2	c	c	PROPN
fsr-3464	686	3	c	c	NOUN
fsr-3464	686	4	m	m	VERB
fsr-3464	686	5	ax	ax	NOUN
fsr-3464	687	1	ed	ed	NOUN
fsr-3464	687	2	c	c	PROPN
fsr-3464	687	3	c	c	PROPN
fsr-3464	687	4	w	w	PROPN
fsr-3464	687	5	/	/	PUNCT
fsr-3464	687	6	in	in	ADP
fsr-3464	687	7	te	te	ADP
fsr-3464	687	8	ra	ra	PROPN
fsr-3464	687	9	ct	ct	PROPN
fsr-3464	687	10	io	io	PROPN
fsr-3464	688	1	n	n	PROPN
fsr-3464	688	2	s	s	PROPN
fsr-3464	688	3	o	o	NOUN
fsr-3464	688	4	v	v	ADP
fsr-3464	688	5	er	er	INTJ
fsr-3464	688	6	d	d	X
fsr-3464	688	7	ra	ra	PROPN
fsr-3464	688	8	ft	ft	NOUN
fsr-3464	688	9	o	o	NOUN
fsr-3464	688	10	v	v	INTJ
fsr-3464	688	11	er	er	INTJ
fsr-3464	688	12	d	d	X
fsr-3464	688	13	ra	ra	PROPN
fsr-3464	688	14	ft	ft	PROPN
fsr-3464	688	15	w	w	PROPN
fsr-3464	688	16	/	/	PUNCT
fsr-3464	688	17	in	in	ADP
fsr-3464	688	18	te	te	ADP
fsr-3464	688	19	ra	ra	PROPN
fsr-3464	688	20	ct	ct	PROPN
fsr-3464	688	21	io	io	PROPN
fsr-3464	688	22	n	n	PROPN
fsr-3464	688	23	s	s	PROPN
fsr-3464	688	24	c	c	NOUN
fsr-3464	688	25	as	as	ADP
fsr-3464	688	26	h	h	PROPN
fsr-3464	688	27	ad	ad	NOUN
fsr-3464	688	28	v	v	ADP
fsr-3464	688	29	o	o	NOUN
fsr-3464	688	30	n	n	ADP
fsr-3464	688	31	c	c	NOUN
fsr-3464	688	32	c	c	NOUN
fsr-3464	688	33	c	c	PROPN
fsr-3464	688	34	as	as	ADP
fsr-3464	688	35	h	h	PROPN
fsr-3464	688	36	ad	ad	NOUN
fsr-3464	688	37	v	v	ADP
fsr-3464	688	38	o	o	NOUN
fsr-3464	689	1	n	n	PRON
fsr-3464	689	2	c	c	NOUN
fsr-3464	689	3	c	c	NOUN
fsr-3464	689	4	w	w	PROPN
fsr-3464	689	5	/	/	PUNCT
fsr-3464	689	6	in	in	ADP
fsr-3464	689	7	te	te	ADP
fsr-3464	689	8	ra	ra	PROPN
fsr-3464	690	1	ct	ct	PROPN
fsr-3464	690	2	io	io	PROPN
fsr-3464	690	3	n	n	PROPN
fsr-3464	690	4	s	s	PROPN
fsr-3464	690	5	v	v	PROPN
fsr-3464	690	6	ar	ar	PROPN
fsr-3464	690	7	ia	ia	PROPN
fsr-3464	690	8	b	b	PROPN
fsr-3464	690	9	le	le	X
fsr-3464	690	10	o	o	PROPN
fsr-3464	691	1	d	d	X
fsr-3464	691	2	d	d	X
fsr-3464	691	3	s	s	VERB
fsr-3464	691	4	ra	ra	NOUN
fsr-3464	691	5	ti	ti	NOUN
fsr-3464	691	6	o	o	NOUN
fsr-3464	692	1	p	p	X
fsr-3464	692	2	o	o	X
fsr-3464	693	1	d	d	X
fsr-3464	693	2	d	d	X
fsr-3464	693	3	s	s	VERB
fsr-3464	693	4	ra	ra	NOUN
fsr-3464	693	5	ti	ti	NOUN
fsr-3464	693	6	o	o	NOUN
fsr-3464	694	1	p	p	X
fsr-3464	694	2	o	o	X
fsr-3464	695	1	d	d	X
fsr-3464	695	2	d	d	X
fsr-3464	695	3	s	s	VERB
fsr-3464	695	4	ra	ra	NOUN
fsr-3464	695	5	ti	ti	NOUN
fsr-3464	695	6	o	o	NOUN
fsr-3464	696	1	p	p	X
fsr-3464	696	2	o	o	X
fsr-3464	697	1	d	d	X
fsr-3464	697	2	d	d	X
fsr-3464	697	3	s	s	VERB
fsr-3464	697	4	ra	ra	NOUN
fsr-3464	697	5	ti	ti	NOUN
fsr-3464	697	6	o	o	NOUN
fsr-3464	698	1	p	p	X
fsr-3464	698	2	o	o	X
fsr-3464	699	1	d	d	X
fsr-3464	699	2	d	d	X
fsr-3464	699	3	s	s	VERB
fsr-3464	699	4	ra	ra	NOUN
fsr-3464	699	5	ti	ti	NOUN
fsr-3464	699	6	o	o	NOUN
fsr-3464	700	1	p	p	X
fsr-3464	700	2	o	o	X
fsr-3464	701	1	d	d	X
fsr-3464	701	2	d	d	X
fsr-3464	701	3	s	s	VERB
fsr-3464	701	4	ra	ra	NOUN
fsr-3464	701	5	ti	ti	NOUN
fsr-3464	701	6	o	o	NOUN
fsr-3464	702	1	p	p	X
fsr-3464	702	2	d	d	X
fsr-3464	702	3	ro	ro	X
fsr-3464	702	4	p	p	NOUN
fsr-3464	702	5	in	in	ADV
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fsr-3464	702	8	m	m	PROPN
fsr-3464	702	9	e	e	X
fsr-3464	702	10	2	2	NUM
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fsr-3464	702	13	*	*	PUNCT
fsr-3464	703	1	*	*	PUNCT
fsr-3464	703	2	*	*	PUNCT
fsr-3464	703	3	4	4	NUM
fsr-3464	703	4	.1	.1	NUM
fsr-3464	703	5	0	0	PUNCT
fsr-3464	704	1	*	*	PUNCT
fsr-3464	705	1	*	*	PUNCT
fsr-3464	705	2	*	*	PUNCT
fsr-3464	705	3	2	2	NUM
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fsr-3464	705	5	3	3	NUM
fsr-3464	705	6	*	*	PUNCT
fsr-3464	706	1	*	*	PUNCT
fsr-3464	706	2	*	*	PUNCT
fsr-3464	706	3	3	3	NUM
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fsr-3464	706	5	5	5	NUM
fsr-3464	706	6	*	*	PUNCT
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fsr-3464	706	8	*	*	PUNCT
fsr-3464	706	9	2	2	NUM
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fsr-3464	706	11	3	3	NUM
fsr-3464	706	12	*	*	PUNCT
fsr-3464	706	13	*	*	PUNCT
fsr-3464	706	14	*	*	PUNCT
fsr-3464	706	15	2	2	NUM
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fsr-3464	706	18	*	*	PUNCT
fsr-3464	707	1	*	*	PUNCT
fsr-3464	707	2	*	*	PUNCT
fsr-3464	707	3	e	e	X
fsr-3464	707	4	m	m	VERB
fsr-3464	707	5	er	er	INTJ
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fsr-3464	707	12	1	1	NUM
fsr-3464	707	13	.1	.1	NUM
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fsr-3464	707	15	*	*	SYM
fsr-3464	707	16	0	0	NUM
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fsr-3464	708	2	9	9	NUM
fsr-3464	708	3	*	*	PUNCT
fsr-3464	708	4	*	*	PUNCT
fsr-3464	709	1	*	*	PUNCT
fsr-3464	709	2	0	0	PUNCT
fsr-3464	710	1	.4	.4	NUM
fsr-3464	710	2	7	7	NUM
fsr-3464	710	3	*	*	PUNCT
fsr-3464	711	1	*	*	PUNCT
fsr-3464	712	1	*	*	PUNCT
fsr-3464	712	2	0	0	PUNCT
fsr-3464	713	1	.4	.4	NUM
fsr-3464	713	2	7	7	NUM
fsr-3464	713	3	*	*	PUNCT
fsr-3464	714	1	*	*	PUNCT
fsr-3464	715	1	*	*	PUNCT
fsr-3464	715	2	0	0	NUM
fsr-3464	715	3	.8	.8	NUM
fsr-3464	715	4	5	5	NUM
fsr-3464	716	1	*	*	PUNCT
fsr-3464	716	2	*	*	PUNCT
fsr-3464	716	3	0	0	NUM
fsr-3464	716	4	.8	.8	NUM
fsr-3464	716	5	3	3	NUM
fsr-3464	716	6	*	*	PUNCT
fsr-3464	716	7	*	*	PUNCT
fsr-3464	716	8	c	c	PROPN
fsr-3464	716	9	as	as	ADP
fsr-3464	716	10	h	h	PROPN
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fsr-3464	717	1	rp	rp	PROPN
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fsr-3464	717	3	s	s	PROPN
fsr-3464	717	4	0	0	NUM
fsr-3464	717	5	.6	.6	NUM
fsr-3464	717	6	9	9	NUM
fsr-3464	717	7	*	*	PUNCT
fsr-3464	718	1	*	*	PUNCT
fsr-3464	719	1	*	*	PUNCT
fsr-3464	719	2	0	0	NUM
fsr-3464	719	3	.5	.5	NUM
fsr-3464	719	4	9	9	NUM
fsr-3464	719	5	*	*	PUNCT
fsr-3464	720	1	*	*	PUNCT
fsr-3464	721	1	*	*	PUNCT
fsr-3464	721	2	0	0	NUM
fsr-3464	722	1	.4	.4	NUM
fsr-3464	722	2	8	8	NUM
fsr-3464	722	3	*	*	PUNCT
fsr-3464	723	1	*	*	PUNCT
fsr-3464	724	1	*	*	PUNCT
fsr-3464	724	2	0	0	NUM
fsr-3464	725	1	.4	.4	NUM
fsr-3464	725	2	8	8	NUM
fsr-3464	725	3	*	*	PUNCT
fsr-3464	726	1	*	*	PUNCT
fsr-3464	727	1	*	*	PUNCT
fsr-3464	727	2	0	0	NUM
fsr-3464	728	1	.6	.6	NUM
fsr-3464	728	2	3	3	NUM
fsr-3464	728	3	*	*	PUNCT
fsr-3464	728	4	*	*	PUNCT
fsr-3464	729	1	*	*	PUNCT
fsr-3464	729	2	0	0	NUM
fsr-3464	730	1	.6	.6	NUM
fsr-3464	730	2	2	2	NUM
fsr-3464	730	3	*	*	PUNCT
fsr-3464	730	4	*	*	PUNCT
fsr-3464	730	5	*	*	PUNCT
fsr-3464	730	6	h	h	NOUN
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fsr-3464	730	8	lt	lt	PRON
fsr-3464	730	9	h	h	PROPN
fsr-3464	730	10	in	in	ADP
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fsr-3464	730	15	0	0	NUM
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fsr-3464	730	17	8	8	NUM
fsr-3464	730	18	*	*	PUNCT
fsr-3464	731	1	*	*	PUNCT
fsr-3464	732	1	*	*	PUNCT
fsr-3464	732	2	0	0	NUM
fsr-3464	733	1	.6	.6	NUM
fsr-3464	733	2	8	8	NUM
fsr-3464	733	3	*	*	PUNCT
fsr-3464	733	4	*	*	PUNCT
fsr-3464	733	5	0	0	PUNCT
fsr-3464	734	1	.9	.9	NUM
fsr-3464	734	2	7	7	NUM
fsr-3464	734	3	0	0	NUM
fsr-3464	734	4	.9	.9	NUM
fsr-3464	735	1	6	6	NUM
fsr-3464	735	2	0	0	NUM
fsr-3464	735	3	.7	.7	NUM
fsr-3464	735	4	9	9	NUM
fsr-3464	735	5	*	*	SYM
fsr-3464	735	6	0	0	NUM
fsr-3464	735	7	.7	.7	NUM
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fsr-3464	735	10	f	f	PROPN
fsr-3464	735	11	in	in	ADP
fsr-3464	735	12	li	li	PROPN
fsr-3464	735	13	t	t	PROPN
fsr-3464	735	14	*	*	PROPN
fsr-3464	736	1	d	d	X
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fsr-3464	736	3	p	p	NOUN
fsr-3464	736	4	in	in	ADP
fsr-3464	736	5	co	co	NOUN
fsr-3464	736	6	m	m	PROPN
fsr-3464	736	7	e	e	X
fsr-3464	736	8	0	0	NUM
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fsr-3464	737	3	*	*	PUNCT
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fsr-3464	737	5	0	0	NUM
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fsr-3464	737	8	*	*	PUNCT
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fsr-3464	738	1	*	*	PUNCT
fsr-3464	738	2	0	0	NUM
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fsr-3464	739	2	0	0	NUM
fsr-3464	740	1	*	*	PUNCT
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fsr-3464	740	3	y	y	X
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fsr-3464	740	5	r	r	NOUN
fsr-3464	740	6	1	1	NUM
fsr-3464	740	7	5	5	NUM
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fsr-3464	740	9	.1	.1	NUM
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fsr-3464	740	11	*	*	SYM
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fsr-3464	740	17	2	2	NUM
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fsr-3464	740	21	*	*	SYM
fsr-3464	740	22	1	1	NUM
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fsr-3464	741	1	r	r	NOUN
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fsr-3464	741	8	7	7	NUM
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fsr-3464	741	15	0	0	NUM
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fsr-3464	741	19	.2	.2	NUM
fsr-3464	741	20	0	0	NUM
fsr-3464	742	1	n	n	PRON
fsr-3464	742	2	o	o	NOUN
fsr-3464	742	3	te	te	X
fsr-3464	742	4	:	:	PUNCT
fsr-3464	742	5	b	b	X
fsr-3464	742	6	in	in	ADP
fsr-3464	742	7	ar	ar	PROPN
fsr-3464	742	8	y	y	PROPN
fsr-3464	742	9	lo	lo	PROPN
fsr-3464	742	10	g	g	PROPN
fsr-3464	742	11	is	be	AUX
fsr-3464	742	12	ti	ti	X
fsr-3464	742	13	cs	cs	X
fsr-3464	742	14	re	re	ADP
fsr-3464	742	15	g	g	PROPN
fsr-3464	742	16	re	re	VERB
fsr-3464	742	17	ss	ss	PROPN
fsr-3464	742	18	io	io	X
fsr-3464	742	19	n	n	PROPN
fsr-3464	742	20	.	.	PUNCT
fsr-3464	743	1	r	r	NOUN
fsr-3464	743	2	ef	ef	PROPN
fsr-3464	743	3	er	er	INTJ
fsr-3464	743	4	en	en	PROPN
fsr-3464	743	5	ce	ce	PROPN
fsr-3464	743	6	v	v	PROPN
fsr-3464	743	7	ar	ar	PROPN
fsr-3464	743	8	ia	ia	PROPN
fsr-3464	743	9	b	b	PROPN
fsr-3464	743	10	le	le	PROPN
fsr-3464	743	11	s	s	PROPN
fsr-3464	743	12	n	n	PRON
fsr-3464	743	13	o	o	X
fsr-3464	743	14	t	t	NOUN
fsr-3464	743	15	in	in	ADP
fsr-3464	743	16	cl	cl	NOUN
fsr-3464	743	17	u	u	PROPN
fsr-3464	744	1	d	d	NOUN
fsr-3464	744	2	ed	ed	NOUN
fsr-3464	744	3	in	in	ADP
fsr-3464	744	4	re	re	PROPN
fsr-3464	744	5	g	g	PROPN
fsr-3464	744	6	re	re	ADP
fsr-3464	744	7	ss	ss	PROPN
fsr-3464	744	8	io	io	PROPN
fsr-3464	744	9	n	n	PROPN
fsr-3464	744	10	:	:	PUNCT
fsr-3464	744	11	ag	ag	PROPN
fsr-3464	744	12	e	e	PROPN
fsr-3464	744	13	2	2	NUM
fsr-3464	744	14	5	5	NUM
fsr-3464	744	15	-3	-3	SYM
fsr-3464	744	16	4	4	NUM
fsr-3464	744	17	,	,	PUNCT
fsr-3464	744	18	in	in	ADP
fsr-3464	744	19	co	co	NOUN
fsr-3464	744	20	m	m	PROPN
fsr-3464	744	21	e	e	PROPN
fsr-3464	744	22	lo	lo	PROPN
fsr-3464	744	23	w	w	PROPN
fsr-3464	744	24	er	er	INTJ
fsr-3464	744	25	th	th	X
fsr-3464	744	26	an	an	DET
fsr-3464	744	27	$	$	SYM
fsr-3464	744	28	2	2	NUM
fsr-3464	744	29	5	5	NUM
fsr-3464	744	30	,	,	PUNCT
fsr-3464	744	31	0	0	NUM
fsr-3464	744	32	0	0	NUM
fsr-3464	744	33	0	0	NUM
fsr-3464	744	34	,	,	PUNCT
fsr-3464	744	35	n	n	NOUN
fsr-3464	744	36	o	o	NOUN
fsr-3464	744	37	fi	fi	NOUN
fsr-3464	744	38	n	n	CCONJ
fsr-3464	744	39	an	an	DET
fsr-3464	744	40	ci	ci	NOUN
fsr-3464	744	41	al	al	PROPN
fsr-3464	744	42	ly	ly	PROPN
fsr-3464	745	1	d	d	X
fsr-3464	745	2	ep	ep	PROPN
fsr-3464	745	3	en	en	PROPN
fsr-3464	745	4	d	d	PROPN
fsr-3464	745	5	en	en	PROPN
fsr-3464	745	6	t	t	PROPN
fsr-3464	745	7	ch	ch	PROPN
fsr-3464	745	8	il	il	PROPN
fsr-3464	745	9	d	d	PROPN
fsr-3464	745	10	re	re	X
fsr-3464	745	11	n	n	PROPN
fsr-3464	745	12	,	,	PUNCT
fsr-3464	745	13	se	se	X
fsr-3464	745	14	lf	lf	ADP
fsr-3464	745	15	-e	-e	PROPN
fsr-3464	745	16	m	m	PROPN
fsr-3464	745	17	p	p	PROPN
fsr-3464	745	18	lo	lo	PROPN
fsr-3464	745	19	y	y	PROPN
fsr-3464	745	20	ed	ed	PROPN
fsr-3464	745	21	,	,	PUNCT
fsr-3464	745	22	lo	lo	PROPN
fsr-3464	745	23	w	w	PROPN
fsr-3464	745	24	es	es	X
fsr-3464	745	25	t	t	PROPN
fsr-3464	745	26	ri	ri	INTJ
fsr-3464	745	27	sk	sk	VERB
fsr-3464	745	28	to	to	ADP
fsr-3464	745	29	le	le	PROPN
fsr-3464	745	30	ra	ra	PROPN
fsr-3464	745	31	n	n	PROPN
fsr-3464	745	32	ce	ce	PROPN
fsr-3464	745	33	.	.	PUNCT
fsr-3464	746	1	c	c	PROPN
fsr-3464	746	2	c	c	X
fsr-3464	746	3	=	=	PUNCT
fsr-3464	746	4	cr	cr	PROPN
fsr-3464	746	5	ed	ed	NOUN
fsr-3464	746	6	it	it	PRON
fsr-3464	746	7	ca	can	AUX
fsr-3464	746	8	rd	rd	NOUN
fsr-3464	746	9	;	;	PUNCT
fsr-3464	746	10	ad	ad	NOUN
fsr-3464	746	11	v	v	NOUN
fsr-3464	746	12	=	=	SYM
fsr-3464	746	13	ad	ad	NOUN
fsr-3464	746	14	v	v	ADP
fsr-3464	746	15	an	an	DET
fsr-3464	746	16	ce	ce	NOUN
fsr-3464	746	17	.	.	PUNCT
fsr-3464	747	1	*	*	PUNCT
fsr-3464	748	1	*	*	PUNCT
fsr-3464	748	2	*	*	PUNCT
fsr-3464	748	3	p	p	X
fsr-3464	748	4	<	<	X
fsr-3464	748	5	.0	.0	NUM
fsr-3464	748	6	1	1	NUM
fsr-3464	748	7	,	,	PUNCT
fsr-3464	748	8	*	*	PUNCT
fsr-3464	748	9	*	*	PUNCT
fsr-3464	749	1	p	p	X
fsr-3464	749	2	<	<	X
fsr-3464	749	3	.0	.0	NUM
fsr-3464	749	4	5	5	NUM
fsr-3464	749	5	,	,	PUNCT
fsr-3464	749	6	*	*	PUNCT
fsr-3464	749	7	p	p	X
fsr-3464	749	8	<	<	X
fsr-3464	749	9	.1	.1	NUM
fsr-3464	749	10	.	.	PUNCT
fsr-3464	750	1	t.	t.	PROPN
fsr-3464	750	2	martin	martin	PROPN
fsr-3464	750	3	et	et	PROPN
fsr-3464	750	4	al	al	PROPN
fsr-3464	750	5	.	.	PUNCT
fsr-3464	750	6	/	/	SYM
fsr-3464	750	7	financial	financial	ADJ
fsr-3464	750	8	services	service	NOUN
fsr-3464	750	9	review	review	VERB
fsr-3464	750	10	29	29	NUM
fsr-3464	750	11	(	(	PUNCT
fsr-3464	750	12	2021	2021	NUM
fsr-3464	750	13	)	)	PUNCT
fsr-3464	750	14	293–314	293–314	NUM
fsr-3464	750	15	307	307	NUM
fsr-3464	750	16	decline	decline	NOUN
fsr-3464	750	17	in	in	ADP
fsr-3464	750	18	income	income	NOUN
fsr-3464	750	19	,	,	PUNCT
fsr-3464	750	20	financially	financially	ADV
fsr-3464	750	21	literate	literate	ADJ
fsr-3464	750	22	individuals	individual	NOUN
fsr-3464	750	23	are	be	AUX
fsr-3464	750	24	still	still	ADV
fsr-3464	750	25	42	42	NUM
fsr-3464	750	26	%	%	NOUN
fsr-3464	750	27	less	less	ADV
fsr-3464	750	28	likely	likely	ADJ
fsr-3464	750	29	to	to	PART
fsr-3464	750	30	have	have	VERB
fsr-3464	750	31	an	an	DET
fsr-3464	750	32	overdraft	overdraft	NOUN
fsr-3464	750	33	.	.	PUNCT
fsr-3464	751	1	in	in	ADP
fsr-3464	751	2	column	column	NOUN
fsr-3464	751	3	3a	3a	NUM
fsr-3464	751	4	,	,	PUNCT
fsr-3464	751	5	we	we	PRON
fsr-3464	751	6	observe	observe	VERB
fsr-3464	751	7	a	a	DET
fsr-3464	751	8	strong	strong	ADJ
fsr-3464	751	9	negative	negative	ADJ
fsr-3464	751	10	relation	relation	NOUN
fsr-3464	751	11	between	between	ADP
fsr-3464	751	12	financial	financial	ADJ
fsr-3464	751	13	literacy	literacy	NOUN
fsr-3464	751	14	and	and	CCONJ
fsr-3464	751	15	the	the	DET
fsr-3464	751	16	likelihood	likelihood	NOUN
fsr-3464	751	17	of	of	ADP
fsr-3464	751	18	taking	take	VERB
fsr-3464	751	19	a	a	DET
fsr-3464	751	20	cash	cash	NOUN
fsr-3464	751	21	advance	advance	NOUN
fsr-3464	751	22	;	;	PUNCT
fsr-3464	751	23	those	those	PRON
fsr-3464	751	24	who	who	PRON
fsr-3464	751	25	are	be	AUX
fsr-3464	751	26	financially	financially	ADV
fsr-3464	751	27	literate	literate	ADJ
fsr-3464	751	28	are	be	AUX
fsr-3464	751	29	56	56	NUM
fsr-3464	751	30	%	%	NOUN
fsr-3464	751	31	less	less	ADV
fsr-3464	751	32	likely	likely	ADJ
fsr-3464	751	33	to	to	PART
fsr-3464	751	34	do	do	VERB
fsr-3464	751	35	so	so	ADV
fsr-3464	751	36	.	.	PUNCT
fsr-3464	752	1	males	male	NOUN
fsr-3464	752	2	compared	compare	VERB
fsr-3464	752	3	with	with	ADP
fsr-3464	752	4	females	female	NOUN
fsr-3464	752	5	are	be	AUX
fsr-3464	752	6	24	24	NUM
fsr-3464	752	7	%	%	NOUN
fsr-3464	752	8	more	more	ADV
fsr-3464	752	9	likely	likely	ADJ
fsr-3464	752	10	to	to	PART
fsr-3464	752	11	get	get	VERB
fsr-3464	752	12	a	a	DET
fsr-3464	752	13	cash	cash	NOUN
fsr-3464	752	14	advance	advance	NOUN
fsr-3464	752	15	loan	loan	NOUN
fsr-3464	752	16	,	,	PUNCT
fsr-3464	752	17	and	and	CCONJ
fsr-3464	752	18	whites	white	NOUN
fsr-3464	752	19	are	be	AUX
fsr-3464	752	20	19	19	NUM
fsr-3464	752	21	%	%	NOUN
fsr-3464	752	22	less	less	ADV
fsr-3464	752	23	likely	likely	ADJ
fsr-3464	752	24	than	than	ADP
fsr-3464	752	25	non	non	ADJ
fsr-3464	752	26	-	-	NOUN
fsr-3464	752	27	whites	white	NOUN
fsr-3464	752	28	.	.	PUNCT
fsr-3464	753	1	respondents	respondent	NOUN
fsr-3464	753	2	indicating	indicate	VERB
fsr-3464	753	3	a	a	DET
fsr-3464	753	4	drop	drop	NOUN
fsr-3464	753	5	in	in	ADP
fsr-3464	753	6	income	income	NOUN
fsr-3464	753	7	in	in	ADP
fsr-3464	753	8	the	the	DET
fsr-3464	753	9	last	last	ADJ
fsr-3464	753	10	12	12	NUM
fsr-3464	753	11	months	month	NOUN
fsr-3464	753	12	are	be	AUX
fsr-3464	753	13	143	143	NUM
fsr-3464	753	14	%	%	NOUN
fsr-3464	753	15	more	more	ADV
fsr-3464	753	16	likely	likely	ADJ
fsr-3464	753	17	to	to	PART
fsr-3464	753	18	have	have	VERB
fsr-3464	753	19	to	to	PART
fsr-3464	753	20	take	take	VERB
fsr-3464	753	21	a	a	DET
fsr-3464	753	22	cash	cash	NOUN
fsr-3464	753	23	advance	advance	NOUN
fsr-3464	753	24	loan	loan	NOUN
fsr-3464	753	25	than	than	ADP
fsr-3464	753	26	those	those	PRON
fsr-3464	753	27	with	with	ADP
fsr-3464	753	28	stable	stable	ADJ
fsr-3464	753	29	incomes	income	NOUN
fsr-3464	753	30	.	.	PUNCT
fsr-3464	754	1	individuals	individual	NOUN
fsr-3464	754	2	who	who	PRON
fsr-3464	754	3	report	report	VERB
fsr-3464	754	4	having	have	VERB
fsr-3464	754	5	an	an	DET
fsr-3464	754	6	emergency	emergency	NOUN
fsr-3464	754	7	fund	fund	NOUN
fsr-3464	754	8	are	be	AUX
fsr-3464	754	9	15	15	NUM
fsr-3464	754	10	%	%	NOUN
fsr-3464	754	11	less	less	ADV
fsr-3464	754	12	likely	likely	ADJ
fsr-3464	754	13	to	to	PART
fsr-3464	754	14	take	take	VERB
fsr-3464	754	15	cash	cash	NOUN
fsr-3464	754	16	advance	advance	NOUN
fsr-3464	754	17	than	than	ADP
fsr-3464	754	18	those	those	PRON
fsr-3464	754	19	who	who	PRON
fsr-3464	754	20	have	have	VERB
fsr-3464	754	21	no	no	DET
fsr-3464	754	22	such	such	ADJ
fsr-3464	754	23	funds	fund	NOUN
fsr-3464	754	24	,	,	PUNCT
fsr-3464	754	25	and	and	CCONJ
fsr-3464	754	26	those	those	PRON
fsr-3464	754	27	who	who	PRON
fsr-3464	754	28	have	have	VERB
fsr-3464	754	29	a	a	DET
fsr-3464	754	30	positive	positive	ADJ
fsr-3464	754	31	cash	cash	NOUN
fsr-3464	754	32	flow	flow	NOUN
fsr-3464	754	33	are	be	AUX
fsr-3464	754	34	37	37	NUM
fsr-3464	754	35	%	%	NOUN
fsr-3464	754	36	less	less	ADV
fsr-3464	754	37	likely	likely	ADJ
fsr-3464	754	38	relative	relative	ADJ
fsr-3464	754	39	to	to	ADP
fsr-3464	754	40	those	those	PRON
fsr-3464	754	41	who	who	PRON
fsr-3464	754	42	have	have	VERB
fsr-3464	754	43	a	a	DET
fsr-3464	754	44	deficit	deficit	NOUN
fsr-3464	754	45	in	in	ADP
fsr-3464	754	46	spending	spending	NOUN
fsr-3464	754	47	.	.	PUNCT
fsr-3464	755	1	in	in	ADP
fsr-3464	755	2	column	column	NOUN
fsr-3464	755	3	3b	3b	NUM
fsr-3464	755	4	,	,	PUNCT
fsr-3464	755	5	we	we	PRON
fsr-3464	755	6	add	add	VERB
fsr-3464	755	7	interaction	interaction	NOUN
fsr-3464	755	8	terms	term	NOUN
fsr-3464	755	9	to	to	PART
fsr-3464	755	10	account	account	VERB
fsr-3464	755	11	for	for	ADP
fsr-3464	755	12	the	the	DET
fsr-3464	755	13	effects	effect	NOUN
fsr-3464	755	14	of	of	ADP
fsr-3464	755	15	having	have	VERB
fsr-3464	755	16	both	both	CCONJ
fsr-3464	755	17	a	a	DET
fsr-3464	755	18	drop	drop	NOUN
fsr-3464	755	19	in	in	ADP
fsr-3464	755	20	income	income	NOUN
fsr-3464	755	21	and	and	CCONJ
fsr-3464	755	22	financial	financial	ADJ
fsr-3464	755	23	sophistication	sophistication	NOUN
fsr-3464	755	24	simultaneously	simultaneously	ADV
fsr-3464	755	25	.	.	PUNCT
fsr-3464	756	1	we	we	PRON
fsr-3464	756	2	observe	observe	VERB
fsr-3464	756	3	that	that	SCONJ
fsr-3464	756	4	individuals	individual	NOUN
fsr-3464	756	5	with	with	ADP
fsr-3464	756	6	financial	financial	ADJ
fsr-3464	756	7	literacy	literacy	NOUN
fsr-3464	756	8	and	and	CCONJ
fsr-3464	756	9	a	a	DET
fsr-3464	756	10	decrease	decrease	NOUN
fsr-3464	756	11	in	in	ADP
fsr-3464	756	12	income	income	NOUN
fsr-3464	756	13	are	be	AUX
fsr-3464	756	14	40	40	NUM
fsr-3464	756	15	%	%	NOUN
fsr-3464	756	16	less	less	ADV
fsr-3464	756	17	likely	likely	ADJ
fsr-3464	756	18	to	to	PART
fsr-3464	756	19	take	take	VERB
fsr-3464	756	20	a	a	DET
fsr-3464	756	21	cash	cash	NOUN
fsr-3464	756	22	advance	advance	NOUN
fsr-3464	756	23	loan	loan	NOUN
fsr-3464	756	24	.	.	PUNCT
fsr-3464	757	1	5.4	5.4	NUM
fsr-3464	757	2	.	.	PUNCT
fsr-3464	757	3	financial	financial	ADJ
fsr-3464	757	4	literacy	literacy	NOUN
fsr-3464	757	5	and	and	CCONJ
fsr-3464	757	6	loan	loan	NOUN
fsr-3464	757	7	choice	choice	NOUN
fsr-3464	757	8	table	table	NOUN
fsr-3464	757	9	7	7	NUM
fsr-3464	757	10	provides	provide	VERB
fsr-3464	757	11	the	the	DET
fsr-3464	757	12	results	result	NOUN
fsr-3464	757	13	of	of	ADP
fsr-3464	757	14	a	a	DET
fsr-3464	757	15	multinomial	multinomial	ADJ
fsr-3464	757	16	logistic	logistic	ADJ
fsr-3464	757	17	regression	regression	NOUN
fsr-3464	757	18	.	.	PUNCT
fsr-3464	758	1	the	the	DET
fsr-3464	758	2	dependent	dependent	ADJ
fsr-3464	758	3	variable	variable	NOUN
fsr-3464	758	4	is	be	AUX
fsr-3464	758	5	loan	loan	NOUN
fsr-3464	758	6	type	type	NOUN
fsr-3464	758	7	with	with	ADP
fsr-3464	758	8	four	four	NUM
fsr-3464	758	9	levels	level	NOUN
fsr-3464	758	10	:	:	PUNCT
fsr-3464	758	11	high	high	ADJ
fsr-3464	758	12	-	-	PUNCT
fsr-3464	758	13	cost	cost	NOUN
fsr-3464	758	14	loan	loan	NOUN
fsr-3464	758	15	and	and	CCONJ
fsr-3464	758	16	plan	plan	NOUN
fsr-3464	758	17	loan	loan	NOUN
fsr-3464	758	18	,	,	PUNCT
fsr-3464	758	19	high	high	ADJ
fsr-3464	758	20	-	-	PUNCT
fsr-3464	758	21	cost	cost	NOUN
fsr-3464	758	22	loan	loan	NOUN
fsr-3464	758	23	only	only	ADV
fsr-3464	758	24	,	,	PUNCT
fsr-3464	758	25	plan	plan	VERB
fsr-3464	758	26	loan	loan	NOUN
fsr-3464	758	27	only	only	ADV
fsr-3464	758	28	,	,	PUNCT
fsr-3464	758	29	and	and	CCONJ
fsr-3464	758	30	no	no	DET
fsr-3464	758	31	loan	loan	NOUN
fsr-3464	758	32	.	.	PUNCT
fsr-3464	759	1	‘	'	PUNCT
fsr-3464	759	2	plan	plan	VERB
fsr-3464	759	3	loan	loan	NOUN
fsr-3464	759	4	only	only	ADV
fsr-3464	759	5	’	'	PUNCT
fsr-3464	759	6	is	be	AUX
fsr-3464	759	7	the	the	DET
fsr-3464	759	8	base	base	NOUN
fsr-3464	759	9	reference	reference	NOUN
fsr-3464	759	10	for	for	ADP
fsr-3464	759	11	this	this	DET
fsr-3464	759	12	table	table	NOUN
fsr-3464	759	13	and	and	CCONJ
fsr-3464	759	14	the	the	DET
fsr-3464	759	15	rest	rest	NOUN
fsr-3464	759	16	of	of	ADP
fsr-3464	759	17	this	this	DET
fsr-3464	759	18	section	section	NOUN
fsr-3464	759	19	.	.	PUNCT
fsr-3464	760	1	in	in	ADP
fsr-3464	760	2	comparison	comparison	NOUN
fsr-3464	760	3	to	to	ADP
fsr-3464	760	4	having	have	VERB
fsr-3464	760	5	only	only	ADV
fsr-3464	760	6	a	a	DET
fsr-3464	760	7	retirement	retirement	NOUN
fsr-3464	760	8	plan	plan	NOUN
fsr-3464	760	9	loan	loan	NOUN
fsr-3464	760	10	,	,	PUNCT
fsr-3464	760	11	financially	financially	ADV
fsr-3464	760	12	literate	literate	ADJ
fsr-3464	760	13	respondents	respondent	NOUN
fsr-3464	760	14	are	be	AUX
fsr-3464	760	15	65	65	NUM
fsr-3464	760	16	%	%	NOUN
fsr-3464	760	17	less	less	ADV
fsr-3464	760	18	likely	likely	ADJ
fsr-3464	760	19	to	to	PART
fsr-3464	760	20	have	have	AUX
fsr-3464	760	21	taken	take	VERB
fsr-3464	760	22	a	a	DET
fsr-3464	760	23	high	high	ADJ
fsr-3464	760	24	-	-	PUNCT
fsr-3464	760	25	cost	cost	NOUN
fsr-3464	760	26	loan	loan	NOUN
fsr-3464	760	27	and	and	CCONJ
fsr-3464	760	28	a	a	DET
fsr-3464	760	29	retirement	retirement	NOUN
fsr-3464	760	30	plan	plan	NOUN
fsr-3464	760	31	loan	loan	NOUN
fsr-3464	760	32	,	,	PUNCT
fsr-3464	760	33	20	20	NUM
fsr-3464	760	34	%	%	NOUN
fsr-3464	760	35	less	less	ADV
fsr-3464	760	36	likely	likely	ADJ
fsr-3464	760	37	to	to	PART
fsr-3464	760	38	have	have	AUX
fsr-3464	760	39	taken	take	VERB
fsr-3464	760	40	only	only	ADV
fsr-3464	760	41	a	a	DET
fsr-3464	760	42	high	high	ADJ
fsr-3464	760	43	-	-	PUNCT
fsr-3464	760	44	cost	cost	NOUN
fsr-3464	760	45	loan	loan	NOUN
fsr-3464	760	46	,	,	PUNCT
fsr-3464	760	47	but	but	CCONJ
fsr-3464	760	48	are	be	AUX
fsr-3464	760	49	58	58	NUM
fsr-3464	760	50	%	%	NOUN
fsr-3464	760	51	more	more	ADV
fsr-3464	760	52	likely	likely	ADJ
fsr-3464	760	53	to	to	PART
fsr-3464	760	54	have	have	VERB
fsr-3464	760	55	neither	neither	CCONJ
fsr-3464	760	56	loan	loan	NOUN
fsr-3464	760	57	type	type	NOUN
fsr-3464	760	58	relative	relative	ADJ
fsr-3464	760	59	to	to	ADP
fsr-3464	760	60	non	non	ADJ
fsr-3464	760	61	-	-	ADJ
fsr-3464	760	62	financially	financially	ADV
fsr-3464	760	63	literate	literate	ADJ
fsr-3464	760	64	respondents	respondent	NOUN
fsr-3464	760	65	.	.	PUNCT
fsr-3464	761	1	in	in	ADP
fsr-3464	761	2	column	column	PROPN
fsr-3464	761	3	b	b	PROPN
fsr-3464	761	4	,	,	PUNCT
fsr-3464	761	5	we	we	PRON
fsr-3464	761	6	include	include	VERB
fsr-3464	761	7	an	an	DET
fsr-3464	761	8	interaction	interaction	NOUN
fsr-3464	761	9	variable	variable	NOUN
fsr-3464	761	10	,	,	PUNCT
fsr-3464	761	11	financial	financial	ADJ
fsr-3464	761	12	literacy*drop	literacy*drop	NOUN
fsr-3464	761	13	in	in	ADP
fsr-3464	761	14	income	income	NOUN
fsr-3464	761	15	.	.	PUNCT
fsr-3464	762	1	we	we	PRON
fsr-3464	762	2	observe	observe	VERB
fsr-3464	762	3	that	that	SCONJ
fsr-3464	762	4	financial	financial	ADJ
fsr-3464	762	5	literacy	literacy	NOUN
fsr-3464	762	6	appears	appear	VERB
fsr-3464	762	7	to	to	PART
fsr-3464	762	8	exert	exert	VERB
fsr-3464	762	9	a	a	DET
fsr-3464	762	10	moderating	moderate	VERB
fsr-3464	762	11	effect	effect	NOUN
fsr-3464	762	12	on	on	ADP
fsr-3464	762	13	decision	decision	NOUN
fsr-3464	762	14	-	-	PUNCT
fsr-3464	762	15	making	making	NOUN
fsr-3464	762	16	,	,	PUNCT
fsr-3464	762	17	even	even	ADV
fsr-3464	762	18	when	when	SCONJ
fsr-3464	762	19	individuals	individual	NOUN
fsr-3464	762	20	are	be	AUX
fsr-3464	762	21	faced	face	VERB
fsr-3464	762	22	with	with	ADP
fsr-3464	762	23	a	a	DET
fsr-3464	762	24	decline	decline	NOUN
fsr-3464	762	25	in	in	ADP
fsr-3464	762	26	income	income	NOUN
fsr-3464	762	27	.	.	PUNCT
fsr-3464	763	1	financially	financially	ADV
fsr-3464	763	2	literate	literate	ADJ
fsr-3464	763	3	respondents	respondent	NOUN
fsr-3464	763	4	with	with	ADP
fsr-3464	763	5	a	a	DET
fsr-3464	763	6	recent	recent	ADJ
fsr-3464	763	7	drop	drop	NOUN
fsr-3464	763	8	in	in	ADP
fsr-3464	763	9	income	income	NOUN
fsr-3464	763	10	are	be	AUX
fsr-3464	763	11	52	52	NUM
fsr-3464	763	12	%	%	NOUN
fsr-3464	763	13	less	less	ADV
fsr-3464	763	14	likely	likely	ADJ
fsr-3464	763	15	to	to	PART
fsr-3464	763	16	take	take	VERB
fsr-3464	763	17	out	out	ADP
fsr-3464	763	18	a	a	DET
fsr-3464	763	19	high	high	ADJ
fsr-3464	763	20	-	-	PUNCT
fsr-3464	763	21	cost	cost	NOUN
fsr-3464	763	22	loan	loan	NOUN
fsr-3464	763	23	alternative	alternative	NOUN
fsr-3464	763	24	such	such	ADJ
fsr-3464	763	25	as	as	ADP
fsr-3464	763	26	a	a	DET
fsr-3464	763	27	payday	payday	NOUN
fsr-3464	763	28	loan	loan	NOUN
fsr-3464	763	29	,	,	PUNCT
fsr-3464	763	30	in	in	ADP
fsr-3464	763	31	addition	addition	NOUN
fsr-3464	763	32	to	to	ADP
fsr-3464	763	33	a	a	DET
fsr-3464	763	34	retirement	retirement	NOUN
fsr-3464	763	35	plan	plan	NOUN
fsr-3464	763	36	loan	loan	NOUN
fsr-3464	763	37	.	.	PUNCT
fsr-3464	764	1	recall	recall	VERB
fsr-3464	764	2	that	that	PRON
fsr-3464	764	3	in	in	ADP
fsr-3464	764	4	column	column	NOUN
fsr-3464	764	5	a	a	NOUN
fsr-3464	764	6	,	,	PUNCT
fsr-3464	764	7	a	a	DET
fsr-3464	764	8	drop	drop	NOUN
fsr-3464	764	9	in	in	ADP
fsr-3464	764	10	income	income	NOUN
fsr-3464	764	11	was	be	AUX
fsr-3464	764	12	strongly	strongly	ADV
fsr-3464	764	13	associated	associate	VERB
fsr-3464	764	14	with	with	ADP
fsr-3464	764	15	choosing	choose	VERB
fsr-3464	764	16	to	to	PART
fsr-3464	764	17	have	have	VERB
fsr-3464	764	18	both	both	DET
fsr-3464	764	19	types	type	NOUN
fsr-3464	764	20	of	of	ADP
fsr-3464	764	21	loans	loan	NOUN
fsr-3464	764	22	.	.	PUNCT
fsr-3464	765	1	6	6	X
fsr-3464	765	2	.	.	X
fsr-3464	765	3	conclusion	conclusion	NOUN
fsr-3464	765	4	in	in	ADP
fsr-3464	765	5	an	an	DET
fsr-3464	765	6	era	era	NOUN
fsr-3464	765	7	of	of	ADP
fsr-3464	765	8	higher	high	ADJ
fsr-3464	765	9	debt	debt	NOUN
fsr-3464	765	10	levels	level	NOUN
fsr-3464	765	11	,	,	PUNCT
fsr-3464	765	12	working	work	VERB
fsr-3464	765	13	americans	americans	PROPN
fsr-3464	765	14	bear	bear	VERB
fsr-3464	765	15	greater	great	ADJ
fsr-3464	765	16	responsibility	responsibility	NOUN
fsr-3464	765	17	for	for	ADP
fsr-3464	765	18	saving	save	VERB
fsr-3464	765	19	for	for	ADP
fsr-3464	765	20	retirement	retirement	NOUN
fsr-3464	765	21	,	,	PUNCT
fsr-3464	765	22	while	while	SCONJ
fsr-3464	765	23	being	be	AUX
fsr-3464	765	24	at	at	ADP
fsr-3464	765	25	odds	odd	NOUN
fsr-3464	765	26	with	with	ADP
fsr-3464	765	27	traditional	traditional	ADJ
fsr-3464	765	28	lenders	lender	NOUN
fsr-3464	765	29	.	.	PUNCT
fsr-3464	766	1	using	use	VERB
fsr-3464	766	2	data	datum	NOUN
fsr-3464	766	3	from	from	ADP
fsr-3464	766	4	the	the	DET
fsr-3464	766	5	nfcs	nfcs	ADJ
fsr-3464	766	6	2015	2015	NUM
fsr-3464	766	7	state	state	NOUN
fsr-3464	766	8	-	-	PUNCT
fsr-3464	766	9	by	by	ADP
fsr-3464	766	10	-	-	PUNCT
fsr-3464	766	11	state	state	NOUN
fsr-3464	766	12	tracking	tracking	NOUN
fsr-3464	766	13	dataset	dataset	NOUN
fsr-3464	766	14	,	,	PUNCT
fsr-3464	766	15	in	in	ADP
fsr-3464	766	16	this	this	DET
fsr-3464	766	17	paper	paper	NOUN
fsr-3464	766	18	,	,	PUNCT
fsr-3464	766	19	we	we	PRON
fsr-3464	766	20	study	study	VERB
fsr-3464	766	21	the	the	DET
fsr-3464	766	22	use	use	NOUN
fsr-3464	766	23	of	of	ADP
fsr-3464	766	24	two	two	NUM
fsr-3464	766	25	alternatives	alternative	NOUN
fsr-3464	766	26	to	to	ADP
fsr-3464	766	27	conventional	conventional	ADJ
fsr-3464	766	28	borrowing	borrowing	NOUN
fsr-3464	766	29	:	:	PUNCT
fsr-3464	766	30	retirement	retirement	NOUN
fsr-3464	766	31	plan	plan	NOUN
fsr-3464	766	32	loans	loan	NOUN
fsr-3464	766	33	(	(	PUNCT
fsr-3464	766	34	defined	define	VERB
fsr-3464	766	35	as	as	ADP
fsr-3464	766	36	“	"	PUNCT
fsr-3464	766	37	leakage	leakage	NOUN
fsr-3464	766	38	”	"	PUNCT
fsr-3464	766	39	)	)	PUNCT
fsr-3464	766	40	and	and	CCONJ
fsr-3464	766	41	high	high	ADJ
fsr-3464	766	42	-	-	PUNCT
fsr-3464	766	43	cost	cost	NOUN
fsr-3464	766	44	lenders	lender	NOUN
fsr-3464	766	45	.	.	PUNCT
fsr-3464	767	1	furthermore	furthermore	ADV
fsr-3464	767	2	,	,	PUNCT
fsr-3464	767	3	we	we	PRON
fsr-3464	767	4	investigate	investigate	VERB
fsr-3464	767	5	the	the	DET
fsr-3464	767	6	impact	impact	NOUN
fsr-3464	767	7	of	of	ADP
fsr-3464	767	8	financial	financial	ADJ
fsr-3464	767	9	literacy	literacy	NOUN
fsr-3464	767	10	on	on	ADP
fsr-3464	767	11	either	either	CCONJ
fsr-3464	767	12	accessing	access	VERB
fsr-3464	767	13	retirement	retirement	NOUN
fsr-3464	767	14	savings	saving	NOUN
fsr-3464	767	15	before	before	ADP
fsr-3464	767	16	retirement	retirement	NOUN
fsr-3464	767	17	or	or	CCONJ
fsr-3464	767	18	using	use	VERB
fsr-3464	767	19	high	high	ADJ
fsr-3464	767	20	-	-	PUNCT
fsr-3464	767	21	cost	cost	NOUN
fsr-3464	767	22	lenders	lender	NOUN
fsr-3464	767	23	.	.	PUNCT
fsr-3464	768	1	we	we	PRON
fsr-3464	768	2	also	also	ADV
fsr-3464	768	3	touch	touch	VERB
fsr-3464	768	4	on	on	ADP
fsr-3464	768	5	how	how	SCONJ
fsr-3464	768	6	financial	financial	ADJ
fsr-3464	768	7	literacy	literacy	NOUN
fsr-3464	768	8	relates	relate	VERB
fsr-3464	768	9	to	to	ADP
fsr-3464	768	10	optimal	optimal	ADJ
fsr-3464	768	11	liquidity	liquidity	NOUN
fsr-3464	768	12	in	in	ADP
fsr-3464	768	13	a	a	DET
fsr-3464	768	14	mental	mental	ADJ
fsr-3464	768	15	accounting	accounting	NOUN
fsr-3464	768	16	context	context	NOUN
fsr-3464	768	17	.	.	PUNCT
fsr-3464	769	1	first	first	ADV
fsr-3464	769	2	,	,	PUNCT
fsr-3464	769	3	we	we	PRON
fsr-3464	769	4	show	show	VERB
fsr-3464	769	5	that	that	SCONJ
fsr-3464	769	6	one	one	NUM
fsr-3464	769	7	in	in	ADP
fsr-3464	769	8	four	four	NUM
fsr-3464	769	9	americans	american	NOUN
fsr-3464	769	10	are	be	AUX
fsr-3464	769	11	likely	likely	ADJ
fsr-3464	769	12	to	to	PART
fsr-3464	769	13	borrow	borrow	VERB
fsr-3464	769	14	money	money	NOUN
fsr-3464	769	15	from	from	ADP
fsr-3464	769	16	high	high	ADJ
fsr-3464	769	17	-	-	PUNCT
fsr-3464	769	18	cost	cost	NOUN
fsr-3464	769	19	lenders	lender	NOUN
fsr-3464	769	20	,	,	PUNCT
fsr-3464	769	21	while	while	SCONJ
fsr-3464	769	22	one	one	NUM
fsr-3464	769	23	in	in	ADP
fsr-3464	769	24	six	six	NUM
fsr-3464	769	25	turn	turn	NOUN
fsr-3464	769	26	to	to	ADP
fsr-3464	769	27	their	their	PRON
fsr-3464	769	28	retirement	retirement	NOUN
fsr-3464	769	29	plans	plan	NOUN
fsr-3464	769	30	for	for	ADP
fsr-3464	769	31	loans	loan	NOUN
fsr-3464	769	32	.	.	PUNCT
fsr-3464	770	1	high	high	ADJ
fsr-3464	770	2	-	-	PUNCT
fsr-3464	770	3	cost	cost	NOUN
fsr-3464	770	4	borrowers	borrower	NOUN
fsr-3464	770	5	and	and	CCONJ
fsr-3464	770	6	plan	plan	VERB
fsr-3464	770	7	loan	loan	NOUN
fsr-3464	770	8	users	user	NOUN
fsr-3464	770	9	display	display	VERB
fsr-3464	770	10	lower	low	ADJ
fsr-3464	770	11	levels	level	NOUN
fsr-3464	770	12	of	of	ADP
fsr-3464	770	13	financial	financial	ADJ
fsr-3464	770	14	literacy	literacy	NOUN
fsr-3464	770	15	.	.	PUNCT
fsr-3464	771	1	when	when	SCONJ
fsr-3464	771	2	we	we	PRON
fsr-3464	771	3	look	look	VERB
fsr-3464	771	4	specifically	specifically	ADV
fsr-3464	771	5	at	at	ADP
fsr-3464	771	6	how	how	SCONJ
fsr-3464	771	7	308	308	NUM
fsr-3464	771	8	t.	t.	PROPN
fsr-3464	771	9	martin	martin	PROPN
fsr-3464	771	10	et	et	PROPN
fsr-3464	771	11	al	al	PROPN
fsr-3464	771	12	.	.	PUNCT
fsr-3464	771	13	/	/	SYM
fsr-3464	771	14	financial	financial	ADJ
fsr-3464	771	15	services	service	NOUN
fsr-3464	771	16	review	review	VERB
fsr-3464	771	17	29	29	NUM
fsr-3464	771	18	(	(	PUNCT
fsr-3464	771	19	2021	2021	NUM
fsr-3464	771	20	)	)	PUNCT
fsr-3464	771	21	293–314	293–314	NUM
fsr-3464	771	22	table	table	NOUN
fsr-3464	771	23	7	7	NUM
fsr-3464	771	24	multinomial	multinomial	ADJ
fsr-3464	771	25	regression	regression	NOUN
fsr-3464	771	26	on	on	ADP
fsr-3464	771	27	the	the	DET
fsr-3464	771	28	likelihood	likelihood	NOUN
fsr-3464	771	29	of	of	ADP
fsr-3464	771	30	loan	loan	NOUN
fsr-3464	771	31	type	type	NOUN
fsr-3464	771	32	with	with	ADP
fsr-3464	771	33	plan	plan	NOUN
fsr-3464	771	34	loan	loan	NOUN
fsr-3464	771	35	only	only	ADV
fsr-3464	771	36	being	be	AUX
fsr-3464	771	37	the	the	DET
fsr-3464	771	38	reference	reference	NOUN
fsr-3464	771	39	variable	variable	ADJ
fsr-3464	771	40	odds	odd	NOUN
fsr-3464	771	41	ratio	ratio	NOUN
fsr-3464	771	42	p	p	NOUN
fsr-3464	771	43	odds	odd	NOUN
fsr-3464	771	44	ratio	ratio	NOUN
fsr-3464	771	45	financial	financial	ADJ
fsr-3464	771	46	literacy	literacy	NOUN
fsr-3464	771	47	(	(	PUNCT
fsr-3464	771	48	all	all	PRON
fsr-3464	771	49	correct	correct	ADJ
fsr-3464	771	50	)	)	PUNCT
fsr-3464	771	51	0.35	0.35	NUM
fsr-3464	772	1	*	*	PUNCT
fsr-3464	772	2	*	*	PUNCT
fsr-3464	772	3	*	*	PUNCT
fsr-3464	772	4	0.49	0.49	NUM
fsr-3464	772	5	*	*	PUNCT
fsr-3464	772	6	*	*	PUNCT
fsr-3464	772	7	*	*	PUNCT
fsr-3464	772	8	financial	financial	ADJ
fsr-3464	772	9	literacy	literacy	NOUN
fsr-3464	772	10	(	(	PUNCT
fsr-3464	772	11	all	all	PRON
fsr-3464	772	12	correct	correct	ADJ
fsr-3464	772	13	)	)	PUNCT
fsr-3464	772	14	0.80	0.80	NUM
fsr-3464	772	15	*	*	PUNCT
fsr-3464	772	16	*	*	PUNCT
fsr-3464	773	1	0.78	0.78	NUM
fsr-3464	773	2	*	*	PUNCT
fsr-3464	773	3	*	*	PUNCT
fsr-3464	773	4	financial	financial	ADJ
fsr-3464	773	5	literacy	literacy	NOUN
fsr-3464	773	6	(	(	PUNCT
fsr-3464	773	7	all	all	PRON
fsr-3464	773	8	correct	correct	ADJ
fsr-3464	773	9	)	)	PUNCT
fsr-3464	773	10	1.58	1.58	NUM
fsr-3464	773	11	*	*	PUNCT
fsr-3464	773	12	*	*	PUNCT
fsr-3464	773	13	*	*	PUNCT
fsr-3464	773	14	1.52	1.52	NUM
fsr-3464	773	15	*	*	PUNCT
fsr-3464	773	16	*	*	PUNCT
fsr-3464	773	17	*	*	VERB
fsr-3464	773	18	socio	socio	NOUN
fsr-3464	773	19	-	-	ADJ
fsr-3464	773	20	demographic	demographic	ADJ
fsr-3464	773	21	male	male	NOUN
fsr-3464	773	22	1.60	1.60	NUM
fsr-3464	773	23	*	*	PUNCT
fsr-3464	773	24	*	*	PUNCT
fsr-3464	773	25	*	*	PUNCT
fsr-3464	773	26	1.60	1.60	NUM
fsr-3464	773	27	*	*	PUNCT
fsr-3464	773	28	*	*	PUNCT
fsr-3464	773	29	*	*	PUNCT
fsr-3464	773	30	male	male	ADJ
fsr-3464	773	31	1.27	1.27	NUM
fsr-3464	773	32	*	*	PUNCT
fsr-3464	773	33	*	*	PUNCT
fsr-3464	773	34	1.27	1.27	NUM
fsr-3464	773	35	*	*	PUNCT
fsr-3464	773	36	*	*	PUNCT
fsr-3464	773	37	male	male	NOUN
fsr-3464	773	38	1.05	1.05	NUM
fsr-3464	773	39	1.05	1.05	NUM
fsr-3464	773	40	white	white	ADJ
fsr-3464	773	41	0.86	0.86	NUM
fsr-3464	773	42	0.86	0.86	NUM
fsr-3464	773	43	white	white	ADJ
fsr-3464	773	44	0.92	0.92	NUM
fsr-3464	773	45	0.92	0.92	NUM
fsr-3464	773	46	white	white	ADJ
fsr-3464	773	47	1.21	1.21	NUM
fsr-3464	773	48	*	*	PUNCT
fsr-3464	773	49	*	*	PUNCT
fsr-3464	773	50	1.21	1.21	NUM
fsr-3464	773	51	*	*	PUNCT
fsr-3464	773	52	*	*	PUNCT
fsr-3464	773	53	35–44	35–44	NUM
fsr-3464	773	54	0.63	0.63	NUM
fsr-3464	773	55	*	*	PUNCT
fsr-3464	773	56	*	*	PUNCT
fsr-3464	773	57	*	*	PUNCT
fsr-3464	773	58	0.64	0.64	NUM
fsr-3464	773	59	*	*	PUNCT
fsr-3464	773	60	*	*	PUNCT
fsr-3464	773	61	*	*	PUNCT
fsr-3464	773	62	35–44	35–44	NUM
fsr-3464	773	63	0.81	0.81	NUM
fsr-3464	773	64	*	*	SYM
fsr-3464	774	1	0.81	0.81	NUM
fsr-3464	774	2	*	*	PUNCT
fsr-3464	774	3	35–44	35–44	NUM
fsr-3464	774	4	1.01	1.01	NUM
fsr-3464	774	5	1.01	1.01	NUM
fsr-3464	774	6	45–54	45–54	NUM
fsr-3464	774	7	0.37	0.37	NUM
fsr-3464	774	8	*	*	PUNCT
fsr-3464	774	9	*	*	PUNCT
fsr-3464	774	10	*	*	PUNCT
fsr-3464	774	11	0.37	0.37	NUM
fsr-3464	774	12	*	*	PUNCT
fsr-3464	774	13	*	*	PUNCT
fsr-3464	774	14	*	*	PUNCT
fsr-3464	775	1	45–54	45–54	NUM
fsr-3464	775	2	0.66	0.66	NUM
fsr-3464	775	3	*	*	PUNCT
fsr-3464	775	4	*	*	PUNCT
fsr-3464	775	5	*	*	PUNCT
fsr-3464	775	6	0.66	0.66	NUM
fsr-3464	775	7	*	*	PUNCT
fsr-3464	775	8	*	*	PUNCT
fsr-3464	775	9	*	*	PUNCT
fsr-3464	775	10	45–54	45–54	NUM
fsr-3464	775	11	0.94	0.94	NUM
fsr-3464	775	12	0.94	0.94	NUM
fsr-3464	775	13	married	marry	VERB
fsr-3464	775	14	0.90	0.90	NUM
fsr-3464	775	15	0.91	0.91	NUM
fsr-3464	775	16	married	marry	VERB
fsr-3464	775	17	0.87	0.87	NUM
fsr-3464	775	18	0.87	0.87	NUM
fsr-3464	775	19	married	marry	VERB
fsr-3464	775	20	0.87	0.87	NUM
fsr-3464	775	21	0.87	0.87	NUM
fsr-3464	775	22	25,000–34,999	25,000–34,999	NUM
fsr-3464	775	23	0.90	0.90	NUM
fsr-3464	775	24	0.92	0.92	NUM
fsr-3464	775	25	25,000–34,999	25,000–34,999	NUM
fsr-3464	775	26	0.90	0.90	NUM
fsr-3464	775	27	0.90	0.90	NUM
fsr-3464	775	28	25,000–34,999	25,000–34,999	NUM
fsr-3464	775	29	1.04	1.04	NUM
fsr-3464	775	30	1.04	1.04	NUM
fsr-3464	775	31	35,000–49,999	35,000–49,999	NUM
fsr-3464	775	32	0.67	0.67	NUM
fsr-3464	775	33	0.68	0.68	NUM
fsr-3464	775	34	35,000–49,999	35,000–49,999	NUM
fsr-3464	775	35	0.59	0.59	NUM
fsr-3464	775	36	*	*	PUNCT
fsr-3464	775	37	0.59	0.59	NUM
fsr-3464	775	38	*	*	PUNCT
fsr-3464	775	39	35,000–49,999	35,000–49,999	NUM
fsr-3464	775	40	0.92	0.92	NUM
fsr-3464	775	41	0.92	0.92	NUM
fsr-3464	775	42	50,000–74,999	50,000–74,999	PROPN
fsr-3464	775	43	0.68	0.68	NUM
fsr-3464	775	44	0.68	0.68	NUM
fsr-3464	775	45	50,000–74,999	50,000–74,999	NUM
fsr-3464	775	46	0.59	0.59	NUM
fsr-3464	775	47	*	*	PUNCT
fsr-3464	775	48	0.59	0.59	NUM
fsr-3464	775	49	*	*	PUNCT
fsr-3464	775	50	50,000–74,999	50,000–74,999	NUM
fsr-3464	775	51	0.95	0.95	NUM
fsr-3464	775	52	0.94	0.94	NUM
fsr-3464	775	53	75,000–99,999	75,000–99,999	NUM
fsr-3464	775	54	0.52	0.52	NUM
fsr-3464	775	55	*	*	PUNCT
fsr-3464	775	56	0.53	0.53	NUM
fsr-3464	775	57	*	*	PUNCT
fsr-3464	776	1	75,000–99,999	75,000–99,999	NUM
fsr-3464	776	2	0.35	0.35	NUM
fsr-3464	776	3	*	*	PUNCT
fsr-3464	776	4	*	*	PUNCT
fsr-3464	776	5	*	*	PUNCT
fsr-3464	776	6	0.35	0.35	NUM
fsr-3464	776	7	*	*	PUNCT
fsr-3464	776	8	*	*	PUNCT
fsr-3464	776	9	*	*	PUNCT
fsr-3464	777	1	75,000–99,999	75,000–99,999	NUM
fsr-3464	777	2	0.72	0.72	NUM
fsr-3464	777	3	0.72	0.72	NUM
fsr-3464	777	4	100,000–149,999	100,000–149,999	NUM
fsr-3464	777	5	0.41	0.41	NUM
fsr-3464	777	6	*	*	PUNCT
fsr-3464	777	7	*	*	PUNCT
fsr-3464	777	8	0.41	0.41	NUM
fsr-3464	777	9	*	*	PUNCT
fsr-3464	777	10	*	*	PUNCT
fsr-3464	777	11	100,000–149,999	100,000–149,999	NUM
fsr-3464	777	12	0.24	0.24	NUM
fsr-3464	777	13	*	*	PUNCT
fsr-3464	777	14	*	*	PUNCT
fsr-3464	777	15	*	*	PUNCT
fsr-3464	777	16	0.24	0.24	NUM
fsr-3464	777	17	*	*	PUNCT
fsr-3464	777	18	*	*	PUNCT
fsr-3464	777	19	*	*	PUNCT
fsr-3464	777	20	100,000–149,999	100,000–149,999	NUM
fsr-3464	777	21	0.69	0.69	NUM
fsr-3464	777	22	0.68	0.68	NUM
fsr-3464	777	23	150,000	150,000	NUM
fsr-3464	777	24	+	+	NUM
fsr-3464	777	25	0.33	0.33	NUM
fsr-3464	777	26	*	*	PUNCT
fsr-3464	777	27	*	*	PUNCT
fsr-3464	778	1	0.33	0.33	NUM
fsr-3464	778	2	*	*	PUNCT
fsr-3464	778	3	*	*	PUNCT
fsr-3464	779	1	150,000	150,000	NUM
fsr-3464	779	2	+	+	NUM
fsr-3464	779	3	0.17	0.17	NUM
fsr-3464	779	4	*	*	PUNCT
fsr-3464	779	5	*	*	PUNCT
fsr-3464	779	6	*	*	PUNCT
fsr-3464	779	7	0.17	0.17	NUM
fsr-3464	779	8	*	*	PUNCT
fsr-3464	779	9	*	*	PUNCT
fsr-3464	779	10	*	*	PUNCT
fsr-3464	779	11	150,000	150,000	NUM
fsr-3464	779	12	+	+	NUM
fsr-3464	779	13	0.65	0.65	NUM
fsr-3464	779	14	0.65	0.65	NUM
fsr-3464	779	15	one	one	NUM
fsr-3464	779	16	1.49	1.49	NUM
fsr-3464	779	17	*	*	PUNCT
fsr-3464	779	18	*	*	PUNCT
fsr-3464	779	19	1.49	1.49	NUM
fsr-3464	779	20	*	*	PUNCT
fsr-3464	779	21	*	*	PUNCT
fsr-3464	780	1	one	one	NUM
fsr-3464	780	2	1.12	1.12	NUM
fsr-3464	780	3	1.12	1.12	NUM
fsr-3464	780	4	one	one	NUM
fsr-3464	780	5	0.65	0.65	NUM
fsr-3464	780	6	*	*	PUNCT
fsr-3464	780	7	*	*	PUNCT
fsr-3464	780	8	*	*	PUNCT
fsr-3464	780	9	0.65	0.65	NUM
fsr-3464	780	10	*	*	PUNCT
fsr-3464	780	11	*	*	PUNCT
fsr-3464	780	12	*	*	PUNCT
fsr-3464	780	13	two	two	NUM
fsr-3464	780	14	1.96	1.96	NUM
fsr-3464	780	15	*	*	PUNCT
fsr-3464	780	16	*	*	PUNCT
fsr-3464	780	17	*	*	PUNCT
fsr-3464	780	18	1.96	1.96	NUM
fsr-3464	780	19	*	*	PUNCT
fsr-3464	780	20	*	*	PUNCT
fsr-3464	780	21	*	*	PUNCT
fsr-3464	780	22	two	two	NUM
fsr-3464	780	23	1.47	1.47	NUM
fsr-3464	780	24	*	*	PUNCT
fsr-3464	780	25	*	*	PUNCT
fsr-3464	780	26	1.48	1.48	NUM
fsr-3464	780	27	*	*	PUNCT
fsr-3464	780	28	*	*	PUNCT
fsr-3464	780	29	two	two	NUM
fsr-3464	780	30	0.79	0.79	NUM
fsr-3464	780	31	*	*	PUNCT
fsr-3464	780	32	*	*	PUNCT
fsr-3464	780	33	0.79	0.79	NUM
fsr-3464	780	34	*	*	PUNCT
fsr-3464	780	35	*	*	PUNCT
fsr-3464	780	36	three	three	NUM
fsr-3464	780	37	1.90	1.90	NUM
fsr-3464	780	38	*	*	PUNCT
fsr-3464	780	39	*	*	PUNCT
fsr-3464	780	40	1.92	1.92	NUM
fsr-3464	780	41	*	*	PUNCT
fsr-3464	780	42	*	*	PUNCT
fsr-3464	780	43	three	three	NUM
fsr-3464	780	44	1.89	1.89	NUM
fsr-3464	780	45	*	*	PUNCT
fsr-3464	780	46	*	*	PUNCT
fsr-3464	780	47	*	*	PUNCT
fsr-3464	780	48	1.89	1.89	NUM
fsr-3464	780	49	*	*	PUNCT
fsr-3464	780	50	*	*	PUNCT
fsr-3464	780	51	*	*	PUNCT
fsr-3464	780	52	three	three	NUM
fsr-3464	780	53	0.76	0.76	NUM
fsr-3464	780	54	*	*	PUNCT
fsr-3464	781	1	0.76	0.76	NUM
fsr-3464	781	2	*	*	PUNCT
fsr-3464	781	3	four+	four+	X
fsr-3464	782	1	1.61	1.61	NUM
fsr-3464	782	2	*	*	NUM
fsr-3464	782	3	1.61	1.61	NUM
fsr-3464	782	4	*	*	PUNCT
fsr-3464	782	5	four+	four+	NOUN
fsr-3464	782	6	1.09	1.09	NUM
fsr-3464	782	7	1.09	1.09	NUM
fsr-3464	782	8	four+	four+	NOUN
fsr-3464	782	9	0.65	0.65	NUM
fsr-3464	782	10	*	*	PUNCT
fsr-3464	782	11	*	*	PUNCT
fsr-3464	782	12	0.65	0.65	NUM
fsr-3464	782	13	*	*	PUNCT
fsr-3464	782	14	*	*	PUNCT
fsr-3464	782	15	home	home	NOUN
fsr-3464	782	16	0.93	0.93	NUM
fsr-3464	782	17	0.92	0.92	NUM
fsr-3464	782	18	home	home	NOUN
fsr-3464	782	19	0.64	0.64	NUM
fsr-3464	782	20	*	*	PUNCT
fsr-3464	782	21	*	*	PUNCT
fsr-3464	782	22	*	*	PUNCT
fsr-3464	783	1	0.64	0.64	NUM
fsr-3464	783	2	*	*	PUNCT
fsr-3464	783	3	*	*	PUNCT
fsr-3464	783	4	*	*	PUNCT
fsr-3464	783	5	home	home	NOUN
fsr-3464	783	6	1.07	1.07	NUM
fsr-3464	783	7	1.07	1.07	NUM
fsr-3464	783	8	(	(	PUNCT
fsr-3464	783	9	continued	continue	VERB
fsr-3464	783	10	on	on	ADP
fsr-3464	783	11	next	next	ADJ
fsr-3464	783	12	page	page	NOUN
fsr-3464	783	13	)	)	PUNCT
fsr-3464	783	14	t.	t.	PROPN
fsr-3464	783	15	martin	martin	PROPN
fsr-3464	783	16	et	et	PROPN
fsr-3464	783	17	al	al	PROPN
fsr-3464	783	18	.	.	PUNCT
fsr-3464	783	19	/	/	SYM
fsr-3464	783	20	financial	financial	ADJ
fsr-3464	783	21	services	service	NOUN
fsr-3464	783	22	review	review	VERB
fsr-3464	783	23	29	29	NUM
fsr-3464	783	24	(	(	PUNCT
fsr-3464	783	25	2021	2021	NUM
fsr-3464	783	26	)	)	PUNCT
fsr-3464	784	1	293–314	293–314	NUM
fsr-3464	784	2	309	309	NUM
fsr-3464	784	3	respondents	respondent	NOUN
fsr-3464	784	4	answer	answer	VERB
fsr-3464	784	5	each	each	DET
fsr-3464	784	6	question	question	NOUN
fsr-3464	784	7	,	,	PUNCT
fsr-3464	784	8	plan	plan	NOUN
fsr-3464	784	9	loan	loan	NOUN
fsr-3464	784	10	users	user	NOUN
fsr-3464	784	11	were	be	AUX
fsr-3464	784	12	more	more	ADV
fsr-3464	784	13	likely	likely	ADJ
fsr-3464	784	14	to	to	PART
fsr-3464	784	15	correctly	correctly	ADV
fsr-3464	784	16	respond	respond	VERB
fsr-3464	784	17	to	to	ADP
fsr-3464	784	18	the	the	DET
fsr-3464	784	19	interest	interest	NOUN
fsr-3464	784	20	rate	rate	NOUN
fsr-3464	784	21	question	question	NOUN
fsr-3464	784	22	but	but	CCONJ
fsr-3464	784	23	not	not	PART
fsr-3464	784	24	the	the	DET
fsr-3464	784	25	questions	question	NOUN
fsr-3464	784	26	on	on	ADP
fsr-3464	784	27	inflation	inflation	NOUN
fsr-3464	784	28	and	and	CCONJ
fsr-3464	784	29	risk	risk	NOUN
fsr-3464	784	30	diversification	diversification	NOUN
fsr-3464	784	31	.	.	PUNCT
fsr-3464	785	1	we	we	PRON
fsr-3464	785	2	observe	observe	VERB
fsr-3464	785	3	similar	similar	ADJ
fsr-3464	785	4	results	result	NOUN
fsr-3464	785	5	among	among	ADP
fsr-3464	785	6	high	high	ADJ
fsr-3464	785	7	-	-	PUNCT
fsr-3464	785	8	cost	cost	NOUN
fsr-3464	785	9	borrowers	borrower	NOUN
fsr-3464	785	10	.	.	PUNCT
fsr-3464	786	1	nevertheless	nevertheless	ADV
fsr-3464	786	2	,	,	PUNCT
fsr-3464	786	3	if	if	SCONJ
fsr-3464	786	4	respondents	respondent	NOUN
fsr-3464	786	5	only	only	ADV
fsr-3464	786	6	used	use	VERB
fsr-3464	786	7	plan	plan	NOUN
fsr-3464	786	8	loans	loan	NOUN
fsr-3464	786	9	and	and	CCONJ
fsr-3464	786	10	failed	fail	VERB
fsr-3464	786	11	to	to	PART
fsr-3464	786	12	use	use	VERB
fsr-3464	786	13	any	any	DET
fsr-3464	786	14	high	high	ADJ
fsr-3464	786	15	-	-	PUNCT
fsr-3464	786	16	cost	cost	NOUN
fsr-3464	786	17	loans	loan	NOUN
fsr-3464	786	18	in	in	ADP
fsr-3464	786	19	the	the	DET
fsr-3464	786	20	last	last	ADJ
fsr-3464	786	21	five	five	NUM
fsr-3464	786	22	years	year	NOUN
fsr-3464	786	23	,	,	PUNCT
fsr-3464	786	24	they	they	PRON
fsr-3464	786	25	were	be	AUX
fsr-3464	786	26	more	more	ADV
fsr-3464	786	27	likely	likely	ADJ
fsr-3464	786	28	to	to	PART
fsr-3464	786	29	answer	answer	VERB
fsr-3464	786	30	the	the	DET
fsr-3464	786	31	questions	question	NOUN
fsr-3464	786	32	correctly	correctly	ADV
fsr-3464	786	33	,	,	PUNCT
fsr-3464	786	34	when	when	SCONJ
fsr-3464	786	35	compared	compare	VERB
fsr-3464	786	36	with	with	ADP
fsr-3464	786	37	respondents	respondent	NOUN
fsr-3464	786	38	that	that	PRON
fsr-3464	786	39	had	have	VERB
fsr-3464	786	40	both	both	DET
fsr-3464	786	41	types	type	NOUN
fsr-3464	786	42	of	of	ADP
fsr-3464	786	43	loans	loan	NOUN
fsr-3464	786	44	or	or	CCONJ
fsr-3464	786	45	high	high	ADJ
fsr-3464	786	46	-	-	PUNCT
fsr-3464	786	47	cost	cost	NOUN
fsr-3464	786	48	loans	loan	NOUN
fsr-3464	786	49	only	only	ADV
fsr-3464	786	50	.	.	PUNCT
fsr-3464	787	1	this	this	PRON
fsr-3464	787	2	provides	provide	VERB
fsr-3464	787	3	evidence	evidence	NOUN
fsr-3464	787	4	of	of	ADP
fsr-3464	787	5	higher	high	ADJ
fsr-3464	787	6	financial	financial	ADJ
fsr-3464	787	7	knowledge	knowledge	NOUN
fsr-3464	787	8	among	among	ADP
fsr-3464	787	9	respondents	respondent	NOUN
fsr-3464	787	10	who	who	PRON
fsr-3464	787	11	only	only	ADV
fsr-3464	787	12	use	use	VERB
fsr-3464	787	13	plan	plan	NOUN
fsr-3464	787	14	loans	loan	NOUN
fsr-3464	787	15	.	.	PUNCT
fsr-3464	788	1	table	table	NOUN
fsr-3464	788	2	7	7	NUM
fsr-3464	788	3	(	(	PUNCT
fsr-3464	788	4	continued	continued	ADJ
fsr-3464	788	5	)	)	PUNCT
fsr-3464	788	6	variable	variable	ADJ
fsr-3464	788	7	odds	odd	NOUN
fsr-3464	788	8	ratio	ratio	NOUN
fsr-3464	788	9	p	p	NOUN
fsr-3464	788	10	odds	odd	NOUN
fsr-3464	788	11	ratio	ratio	NOUN
fsr-3464	788	12	full	full	ADJ
fsr-3464	788	13	0.99	0.99	NUM
fsr-3464	788	14	0.99	0.99	NUM
fsr-3464	788	15	full	full	ADJ
fsr-3464	788	16	0.94	0.94	NUM
fsr-3464	788	17	0.94	0.94	NUM
fsr-3464	788	18	full	full	ADJ
fsr-3464	788	19	0.88	0.88	NUM
fsr-3464	788	20	0.89	0.89	NUM
fsr-3464	788	21	financial	financial	ADJ
fsr-3464	788	22	risk	risk	NOUN
fsr-3464	788	23	risk	risk	NOUN
fsr-3464	788	24	class	class	NOUN
fsr-3464	788	25	2	2	NUM
fsr-3464	788	26	1.68	1.68	NUM
fsr-3464	788	27	*	*	NUM
fsr-3464	788	28	1.68	1.68	NUM
fsr-3464	788	29	*	*	PUNCT
fsr-3464	788	30	risk	risk	NOUN
fsr-3464	788	31	class	class	NOUN
fsr-3464	788	32	2	2	NUM
fsr-3464	788	33	1.05	1.05	NUM
fsr-3464	788	34	1.05	1.05	NUM
fsr-3464	788	35	risk	risk	NOUN
fsr-3464	788	36	class	class	NOUN
fsr-3464	788	37	2	2	NUM
fsr-3464	788	38	1.15	1.15	NUM
fsr-3464	788	39	1.15	1.15	NUM
fsr-3464	788	40	risk	risk	NOUN
fsr-3464	788	41	class	class	NOUN
fsr-3464	788	42	3	3	NUM
fsr-3464	788	43	1.87	1.87	NUM
fsr-3464	788	44	*	*	PUNCT
fsr-3464	788	45	*	*	PUNCT
fsr-3464	788	46	1.89	1.89	NUM
fsr-3464	788	47	*	*	PUNCT
fsr-3464	788	48	*	*	PUNCT
fsr-3464	788	49	risk	risk	NOUN
fsr-3464	788	50	class	class	NOUN
fsr-3464	788	51	3	3	NUM
fsr-3464	788	52	1.04	1.04	NUM
fsr-3464	788	53	1.04	1.04	NUM
fsr-3464	788	54	risk	risk	NOUN
fsr-3464	788	55	class	class	NOUN
fsr-3464	788	56	3	3	NUM
fsr-3464	788	57	1.05	1.05	NUM
fsr-3464	788	58	1.05	1.05	NUM
fsr-3464	788	59	risk	risk	NOUN
fsr-3464	788	60	class	class	NOUN
fsr-3464	788	61	4	4	NUM
fsr-3464	788	62	2.25	2.25	NUM
fsr-3464	788	63	*	*	PUNCT
fsr-3464	788	64	*	*	PUNCT
fsr-3464	789	1	2.25	2.25	NUM
fsr-3464	789	2	*	*	PUNCT
fsr-3464	789	3	*	*	PUNCT
fsr-3464	789	4	risk	risk	NOUN
fsr-3464	789	5	class	class	NOUN
fsr-3464	789	6	4	4	NUM
fsr-3464	789	7	1.28	1.28	NUM
fsr-3464	789	8	1.28	1.28	NUM
fsr-3464	789	9	risk	risk	NOUN
fsr-3464	789	10	class	class	NOUN
fsr-3464	789	11	4	4	NUM
fsr-3464	789	12	0.99	0.99	NUM
fsr-3464	789	13	0.99	0.99	NUM
fsr-3464	789	14	highest	high	ADJ
fsr-3464	789	15	risk	risk	NOUN
fsr-3464	789	16	4.73	4.73	NUM
fsr-3464	789	17	*	*	PUNCT
fsr-3464	789	18	*	*	PUNCT
fsr-3464	789	19	*	*	PUNCT
fsr-3464	789	20	4.75	4.75	NUM
fsr-3464	789	21	*	*	PUNCT
fsr-3464	789	22	*	*	PUNCT
fsr-3464	789	23	*	*	PUNCT
fsr-3464	789	24	highest	high	ADJ
fsr-3464	789	25	risk	risk	NOUN
fsr-3464	789	26	1.18	1.18	NUM
fsr-3464	789	27	1.19	1.19	NUM
fsr-3464	789	28	highest	high	ADJ
fsr-3464	789	29	risk	risk	NOUN
fsr-3464	789	30	0.56	0.56	NUM
fsr-3464	789	31	*	*	PUNCT
fsr-3464	789	32	*	*	PUNCT
fsr-3464	789	33	*	*	PUNCT
fsr-3464	789	34	0.56	0.56	NUM
fsr-3464	789	35	*	*	PUNCT
fsr-3464	789	36	*	*	PUNCT
fsr-3464	789	37	*	*	PUNCT
fsr-3464	789	38	financial	financial	ADJ
fsr-3464	789	39	capacity	capacity	NOUN
fsr-3464	789	40	drop	drop	NOUN
fsr-3464	789	41	in	in	ADP
fsr-3464	789	42	income	income	NOUN
fsr-3464	789	43	2.66	2.66	NUM
fsr-3464	789	44	*	*	PUNCT
fsr-3464	789	45	*	*	PUNCT
fsr-3464	789	46	*	*	PUNCT
fsr-3464	789	47	3.00	3.00	NUM
fsr-3464	789	48	*	*	PUNCT
fsr-3464	789	49	*	*	PUNCT
fsr-3464	789	50	*	*	PUNCT
fsr-3464	789	51	drop	drop	NOUN
fsr-3464	789	52	in	in	ADP
fsr-3464	789	53	income	income	NOUN
fsr-3464	789	54	0.79	0.79	NUM
fsr-3464	789	55	*	*	PUNCT
fsr-3464	789	56	*	*	PUNCT
fsr-3464	789	57	0.76	0.76	NUM
fsr-3464	789	58	*	*	PUNCT
fsr-3464	789	59	*	*	PUNCT
fsr-3464	789	60	drop	drop	NOUN
fsr-3464	789	61	in	in	ADP
fsr-3464	789	62	income	income	NOUN
fsr-3464	789	63	0.39	0.39	NUM
fsr-3464	789	64	*	*	PUNCT
fsr-3464	789	65	*	*	PUNCT
fsr-3464	789	66	*	*	PUNCT
fsr-3464	789	67	0.36	0.36	NUM
fsr-3464	789	68	*	*	PUNCT
fsr-3464	789	69	*	*	PUNCT
fsr-3464	789	70	*	*	PUNCT
fsr-3464	789	71	emergency	emergency	NOUN
fsr-3464	789	72	fund	fund	NOUN
fsr-3464	789	73	1.62	1.62	NUM
fsr-3464	789	74	*	*	PUNCT
fsr-3464	789	75	*	*	PUNCT
fsr-3464	789	76	*	*	PUNCT
fsr-3464	789	77	1.59	1.59	NUM
fsr-3464	789	78	*	*	PUNCT
fsr-3464	789	79	*	*	PUNCT
fsr-3464	789	80	*	*	PUNCT
fsr-3464	789	81	emergency	emergency	NOUN
fsr-3464	789	82	fund	fund	NOUN
fsr-3464	789	83	1.44	1.44	NUM
fsr-3464	789	84	*	*	PUNCT
fsr-3464	789	85	*	*	PUNCT
fsr-3464	789	86	*	*	PUNCT
fsr-3464	789	87	1.44	1.44	NUM
fsr-3464	789	88	*	*	PUNCT
fsr-3464	789	89	*	*	PUNCT
fsr-3464	789	90	*	*	PUNCT
fsr-3464	789	91	emergency	emergency	NOUN
fsr-3464	789	92	fund	fund	NOUN
fsr-3464	789	93	2.21	2.21	NUM
fsr-3464	789	94	*	*	PUNCT
fsr-3464	789	95	*	*	PUNCT
fsr-3464	789	96	*	*	PUNCT
fsr-3464	789	97	2.22	2.22	NUM
fsr-3464	789	98	*	*	PUNCT
fsr-3464	789	99	*	*	PUNCT
fsr-3464	789	100	*	*	PUNCT
fsr-3464	789	101	cash	cash	NOUN
fsr-3464	789	102	surplus	surplus	NOUN
fsr-3464	789	103	0.88	0.88	NUM
fsr-3464	789	104	0.87	0.87	NUM
fsr-3464	789	105	cash	cash	NOUN
fsr-3464	789	106	surplus	surplus	NOUN
fsr-3464	789	107	1.09	1.09	NUM
fsr-3464	789	108	1.09	1.09	NUM
fsr-3464	789	109	cash	cash	NOUN
fsr-3464	789	110	surplus	surplus	NOUN
fsr-3464	789	111	1.53	1.53	NUM
fsr-3464	789	112	*	*	PUNCT
fsr-3464	789	113	*	*	PUNCT
fsr-3464	789	114	*	*	PUNCT
fsr-3464	789	115	1.53	1.53	NUM
fsr-3464	789	116	*	*	PUNCT
fsr-3464	789	117	*	*	PUNCT
fsr-3464	789	118	*	*	PUNCT
fsr-3464	789	119	health	health	NOUN
fsr-3464	789	120	insurance	insurance	NOUN
fsr-3464	789	121	�	�	PROPN
fsr-3464	789	122	0.19	0.19	NUM
fsr-3464	789	123	0.82	0.82	NUM
fsr-3464	789	124	health	health	NOUN
fsr-3464	789	125	insurance	insurance	NOUN
fsr-3464	789	126	�	�	PROPN
fsr-3464	789	127	0.78	0.78	NUM
fsr-3464	789	128	0.46	0.46	NUM
fsr-3464	789	129	*	*	PUNCT
fsr-3464	789	130	*	*	PUNCT
fsr-3464	789	131	*	*	PUNCT
fsr-3464	789	132	health	health	NOUN
fsr-3464	789	133	insurance	insurance	NOUN
fsr-3464	789	134	�	�	PROPN
fsr-3464	789	135	0.15	0.15	NUM
fsr-3464	789	136	0.86	0.86	NUM
fsr-3464	789	137	fin	fin	NOUN
fsr-3464	789	138	lit*drop	lit*drop	NOUN
fsr-3464	789	139	income	income	NOUN
fsr-3464	789	140	0.48	0.48	NUM
fsr-3464	789	141	*	*	PUNCT
fsr-3464	789	142	*	*	PUNCT
fsr-3464	789	143	fin	fin	NOUN
fsr-3464	789	144	lit*drop	lit*drop	NOUN
fsr-3464	789	145	income	income	NOUN
fsr-3464	789	146	1.09	1.09	NUM
fsr-3464	789	147	fin	fin	NOUN
fsr-3464	789	148	lit*drop	lit*drop	NOUN
fsr-3464	789	149	income	income	NOUN
fsr-3464	789	150	1.21	1.21	NUM
fsr-3464	789	151	year	year	NOUN
fsr-3464	789	152	15	15	NUM
fsr-3464	789	153	1.45	1.45	NUM
fsr-3464	789	154	*	*	PUNCT
fsr-3464	789	155	*	*	PUNCT
fsr-3464	789	156	1.44	1.44	NUM
fsr-3464	789	157	*	*	PUNCT
fsr-3464	789	158	*	*	PUNCT
fsr-3464	789	159	year	year	NOUN
fsr-3464	789	160	15	15	NUM
fsr-3464	789	161	1.28	1.28	NUM
fsr-3464	789	162	*	*	PUNCT
fsr-3464	789	163	*	*	PUNCT
fsr-3464	790	1	1.28	1.28	NUM
fsr-3464	790	2	*	*	PUNCT
fsr-3464	790	3	*	*	NOUN
fsr-3464	790	4	year	year	NOUN
fsr-3464	790	5	15	15	NUM
fsr-3464	790	6	1.37	1.37	NUM
fsr-3464	790	7	*	*	PUNCT
fsr-3464	790	8	*	*	PUNCT
fsr-3464	790	9	*	*	PUNCT
fsr-3464	790	10	1.37	1.37	NUM
fsr-3464	790	11	*	*	PUNCT
fsr-3464	790	12	*	*	PUNCT
fsr-3464	790	13	*	*	PUNCT
fsr-3464	790	14	note	note	NOUN
fsr-3464	790	15	:	:	PUNCT
fsr-3464	790	16	multinomial	multinomial	ADJ
fsr-3464	790	17	logistics	logistic	NOUN
fsr-3464	790	18	regression	regression	NOUN
fsr-3464	790	19	.	.	PUNCT
fsr-3464	791	1	the	the	DET
fsr-3464	791	2	dependent	dependent	ADJ
fsr-3464	791	3	variable	variable	NOUN
fsr-3464	791	4	is	be	AUX
fsr-3464	791	5	loan	loan	NOUN
fsr-3464	791	6	type	type	NOUN
fsr-3464	791	7	with	with	ADP
fsr-3464	791	8	four	four	NUM
fsr-3464	791	9	levels	level	NOUN
fsr-3464	791	10	:	:	PUNCT
fsr-3464	791	11	high	high	ADJ
fsr-3464	791	12	-	-	PUNCT
fsr-3464	791	13	cost	cost	NOUN
fsr-3464	791	14	loan	loan	NOUN
fsr-3464	791	15	and	and	CCONJ
fsr-3464	791	16	plan	plan	NOUN
fsr-3464	791	17	loan	loan	NOUN
fsr-3464	791	18	,	,	PUNCT
fsr-3464	791	19	high	high	ADJ
fsr-3464	791	20	-	-	PUNCT
fsr-3464	791	21	cost	cost	NOUN
fsr-3464	791	22	loan	loan	NOUN
fsr-3464	791	23	only	only	ADV
fsr-3464	791	24	,	,	PUNCT
fsr-3464	791	25	plan	plan	VERB
fsr-3464	791	26	loan	loan	NOUN
fsr-3464	791	27	only	only	ADV
fsr-3464	791	28	,	,	PUNCT
fsr-3464	791	29	neither	neither	CCONJ
fsr-3464	791	30	loan	loan	NOUN
fsr-3464	791	31	.	.	PUNCT
fsr-3464	792	1	plan	plan	NOUN
fsr-3464	792	2	loan	loan	NOUN
fsr-3464	792	3	only	only	ADV
fsr-3464	792	4	is	be	AUX
fsr-3464	792	5	the	the	DET
fsr-3464	792	6	based	base	VERB
fsr-3464	792	7	reference	reference	NOUN
fsr-3464	792	8	.	.	PUNCT
fsr-3464	793	1	reference	reference	NOUN
fsr-3464	793	2	variables	variable	NOUN
fsr-3464	793	3	not	not	PART
fsr-3464	793	4	included	include	VERB
fsr-3464	793	5	in	in	ADP
fsr-3464	793	6	regression	regression	NOUN
fsr-3464	793	7	:	:	PUNCT
fsr-3464	793	8	age	age	NOUN
fsr-3464	793	9	25	25	NUM
fsr-3464	793	10	-	-	SYM
fsr-3464	793	11	34	34	NUM
fsr-3464	793	12	,	,	PUNCT
fsr-3464	793	13	income	income	NOUN
fsr-3464	793	14	lower	low	ADJ
fsr-3464	793	15	than	than	ADP
fsr-3464	793	16	$	$	SYM
fsr-3464	793	17	25,000	25,000	NUM
fsr-3464	793	18	,	,	PUNCT
fsr-3464	793	19	no	no	DET
fsr-3464	793	20	financially	financially	ADV
fsr-3464	793	21	dependent	dependent	ADJ
fsr-3464	793	22	children	child	NOUN
fsr-3464	793	23	,	,	PUNCT
fsr-3464	793	24	self	self	NOUN
fsr-3464	793	25	-	-	PUNCT
fsr-3464	793	26	employed	employ	VERB
fsr-3464	793	27	,	,	PUNCT
fsr-3464	793	28	lowest	low	ADJ
fsr-3464	793	29	risk	risk	NOUN
fsr-3464	793	30	tolerance	tolerance	NOUN
fsr-3464	793	31	.	.	PUNCT
fsr-3464	794	1	*	*	PUNCT
fsr-3464	795	1	*	*	PUNCT
fsr-3464	795	2	*	*	PUNCT
fsr-3464	795	3	p	p	X
fsr-3464	795	4	<	<	X
fsr-3464	795	5	.01	.01	NUM
fsr-3464	795	6	,	,	PUNCT
fsr-3464	795	7	*	*	PUNCT
fsr-3464	795	8	*	*	PUNCT
fsr-3464	795	9	p	p	X
fsr-3464	795	10	<	<	X
fsr-3464	795	11	.05	.05	NUM
fsr-3464	795	12	,	,	PUNCT
fsr-3464	795	13	*	*	PUNCT
fsr-3464	796	1	p	p	X
fsr-3464	796	2	<	<	X
fsr-3464	796	3	.1	.1	NUM
fsr-3464	796	4	.	.	PUNCT
fsr-3464	797	1	310	310	NUM
fsr-3464	797	2	t.	t.	PROPN
fsr-3464	797	3	martin	martin	PROPN
fsr-3464	797	4	et	et	PROPN
fsr-3464	797	5	al	al	PROPN
fsr-3464	797	6	.	.	PUNCT
fsr-3464	797	7	/	/	SYM
fsr-3464	797	8	financial	financial	ADJ
fsr-3464	797	9	services	service	NOUN
fsr-3464	797	10	review	review	VERB
fsr-3464	797	11	29	29	NUM
fsr-3464	797	12	(	(	PUNCT
fsr-3464	797	13	2021	2021	NUM
fsr-3464	797	14	)	)	PUNCT
fsr-3464	798	1	293–314	293–314	NUM
fsr-3464	798	2	our	our	PRON
fsr-3464	798	3	empirical	empirical	ADJ
fsr-3464	798	4	results	result	NOUN
fsr-3464	798	5	indicate	indicate	VERB
fsr-3464	798	6	that	that	SCONJ
fsr-3464	798	7	individuals	individual	NOUN
fsr-3464	798	8	using	use	VERB
fsr-3464	798	9	retirement	retirement	NOUN
fsr-3464	798	10	plan	plan	NOUN
fsr-3464	798	11	loans	loan	NOUN
fsr-3464	798	12	are	be	AUX
fsr-3464	798	13	more	more	ADV
fsr-3464	798	14	likely	likely	ADJ
fsr-3464	798	15	to	to	PART
fsr-3464	798	16	be	be	AUX
fsr-3464	798	17	younger	young	ADJ
fsr-3464	798	18	males	male	NOUN
fsr-3464	798	19	,	,	PUNCT
fsr-3464	798	20	to	to	PART
fsr-3464	798	21	be	be	AUX
fsr-3464	798	22	non	non	ADJ
fsr-3464	798	23	-	-	ADJ
fsr-3464	798	24	white	white	ADJ
fsr-3464	798	25	,	,	PUNCT
fsr-3464	798	26	to	to	PART
fsr-3464	798	27	have	have	VERB
fsr-3464	798	28	children	child	NOUN
fsr-3464	798	29	,	,	PUNCT
fsr-3464	798	30	to	to	PART
fsr-3464	798	31	have	have	AUX
fsr-3464	798	32	seen	see	VERB
fsr-3464	798	33	a	a	DET
fsr-3464	798	34	recent	recent	ADJ
fsr-3464	798	35	drop	drop	NOUN
fsr-3464	798	36	in	in	ADP
fsr-3464	798	37	income	income	NOUN
fsr-3464	798	38	,	,	PUNCT
fsr-3464	798	39	and	and	CCONJ
fsr-3464	798	40	to	to	PART
fsr-3464	798	41	have	have	VERB
fsr-3464	798	42	an	an	DET
fsr-3464	798	43	affinity	affinity	NOUN
fsr-3464	798	44	for	for	ADP
fsr-3464	798	45	financial	financial	ADJ
fsr-3464	798	46	risk	risk	NOUN
fsr-3464	798	47	-	-	PUNCT
fsr-3464	798	48	taking	taking	NOUN
fsr-3464	798	49	.	.	PUNCT
fsr-3464	799	1	when	when	SCONJ
fsr-3464	799	2	determining	determine	VERB
fsr-3464	799	3	the	the	DET
fsr-3464	799	4	likelihood	likelihood	NOUN
fsr-3464	799	5	of	of	ADP
fsr-3464	799	6	having	have	VERB
fsr-3464	799	7	a	a	DET
fsr-3464	799	8	retirement	retirement	NOUN
fsr-3464	799	9	plan	plan	NOUN
fsr-3464	799	10	loan	loan	NOUN
fsr-3464	799	11	,	,	PUNCT
fsr-3464	799	12	income	income	NOUN
fsr-3464	799	13	appears	appear	VERB
fsr-3464	799	14	to	to	PART
fsr-3464	799	15	have	have	VERB
fsr-3464	799	16	no	no	DET
fsr-3464	799	17	effect	effect	NOUN
fsr-3464	799	18	while	while	SCONJ
fsr-3464	799	19	having	have	VERB
fsr-3464	799	20	health	health	NOUN
fsr-3464	799	21	insurance	insurance	NOUN
fsr-3464	799	22	increases	increase	VERB
fsr-3464	799	23	the	the	DET
fsr-3464	799	24	use	use	NOUN
fsr-3464	799	25	of	of	ADP
fsr-3464	799	26	plan	plan	NOUN
fsr-3464	799	27	loans	loan	NOUN
fsr-3464	799	28	;	;	PUNCT
fsr-3464	799	29	however	however	ADV
fsr-3464	799	30	,	,	PUNCT
fsr-3464	799	31	we	we	PRON
fsr-3464	799	32	provide	provide	VERB
fsr-3464	799	33	evidence	evidence	NOUN
fsr-3464	799	34	that	that	SCONJ
fsr-3464	799	35	users	user	NOUN
fsr-3464	799	36	of	of	ADP
fsr-3464	799	37	high	high	ADJ
fsr-3464	799	38	-	-	PUNCT
fsr-3464	799	39	cost	cost	NOUN
fsr-3464	799	40	lenders	lender	NOUN
fsr-3464	799	41	are	be	AUX
fsr-3464	799	42	less	less	ADV
fsr-3464	799	43	likely	likely	ADJ
fsr-3464	799	44	to	to	PART
fsr-3464	799	45	have	have	VERB
fsr-3464	799	46	incomes	income	NOUN
fsr-3464	799	47	at	at	ADP
fsr-3464	799	48	or	or	CCONJ
fsr-3464	799	49	above	above	ADP
fsr-3464	799	50	$	$	SYM
fsr-3464	799	51	35,000	35,000	NUM
fsr-3464	799	52	,	,	PUNCT
fsr-3464	799	53	and	and	CCONJ
fsr-3464	799	54	less	less	ADV
fsr-3464	799	55	likely	likely	ADJ
fsr-3464	799	56	to	to	PART
fsr-3464	799	57	borrow	borrow	VERB
fsr-3464	799	58	to	to	PART
fsr-3464	799	59	meet	meet	VERB
fsr-3464	799	60	health	health	NOUN
fsr-3464	799	61	shocks	shock	NOUN
fsr-3464	799	62	.	.	PUNCT
fsr-3464	800	1	moreover	moreover	ADV
fsr-3464	800	2	,	,	PUNCT
fsr-3464	800	3	the	the	DET
fsr-3464	800	4	findings	finding	NOUN
fsr-3464	800	5	on	on	ADP
fsr-3464	800	6	the	the	DET
fsr-3464	800	7	effect	effect	NOUN
fsr-3464	800	8	of	of	ADP
fsr-3464	800	9	financial	financial	ADJ
fsr-3464	800	10	capacity	capacity	NOUN
fsr-3464	800	11	on	on	ADP
fsr-3464	800	12	these	these	DET
fsr-3464	800	13	two	two	NUM
fsr-3464	800	14	loan	loan	NOUN
fsr-3464	800	15	alternatives	alternative	NOUN
fsr-3464	800	16	show	show	VERB
fsr-3464	800	17	that	that	SCONJ
fsr-3464	800	18	respondents	respondent	NOUN
fsr-3464	800	19	who	who	PRON
fsr-3464	800	20	report	report	VERB
fsr-3464	800	21	deficit	deficit	NOUN
fsr-3464	800	22	spending	spending	NOUN
fsr-3464	800	23	and	and	CCONJ
fsr-3464	800	24	no	no	DET
fsr-3464	800	25	precautionary	precautionary	ADJ
fsr-3464	800	26	savings	saving	NOUN
fsr-3464	800	27	are	be	AUX
fsr-3464	800	28	more	more	ADV
fsr-3464	800	29	likely	likely	ADJ
fsr-3464	800	30	to	to	PART
fsr-3464	800	31	borrow	borrow	VERB
fsr-3464	800	32	from	from	ADP
fsr-3464	800	33	their	their	PRON
fsr-3464	800	34	retirement	retirement	NOUN
fsr-3464	800	35	plan	plan	NOUN
fsr-3464	800	36	and/or	and/or	CCONJ
fsr-3464	800	37	high	high	ADJ
fsr-3464	800	38	-	-	PUNCT
fsr-3464	800	39	cost	cost	NOUN
fsr-3464	800	40	lenders	lender	NOUN
fsr-3464	800	41	.	.	PUNCT
fsr-3464	801	1	notably	notably	ADV
fsr-3464	801	2	,	,	PUNCT
fsr-3464	801	3	when	when	SCONJ
fsr-3464	801	4	looking	look	VERB
fsr-3464	801	5	individually	individually	ADV
fsr-3464	801	6	at	at	ADP
fsr-3464	801	7	the	the	DET
fsr-3464	801	8	three	three	NUM
fsr-3464	801	9	types	type	NOUN
fsr-3464	801	10	of	of	ADP
fsr-3464	801	11	high	high	ADJ
fsr-3464	801	12	-	-	PUNCT
fsr-3464	801	13	cost	cost	NOUN
fsr-3464	801	14	lenders	lender	NOUN
fsr-3464	801	15	,	,	PUNCT
fsr-3464	801	16	we	we	PRON
fsr-3464	801	17	observe	observe	VERB
fsr-3464	801	18	differences	difference	NOUN
fsr-3464	801	19	in	in	ADP
fsr-3464	801	20	the	the	DET
fsr-3464	801	21	effect	effect	NOUN
fsr-3464	801	22	of	of	ADP
fsr-3464	801	23	having	have	VERB
fsr-3464	801	24	an	an	DET
fsr-3464	801	25	emergency	emergency	NOUN
fsr-3464	801	26	fund	fund	NOUN
fsr-3464	801	27	.	.	PUNCT
fsr-3464	802	1	in	in	ADP
fsr-3464	802	2	comparison	comparison	NOUN
fsr-3464	802	3	with	with	ADP
fsr-3464	802	4	respondents	respondent	NOUN
fsr-3464	802	5	with	with	ADP
fsr-3464	802	6	no	no	DET
fsr-3464	802	7	emergency	emergency	NOUN
fsr-3464	802	8	funds	fund	NOUN
fsr-3464	802	9	,	,	PUNCT
fsr-3464	802	10	those	those	PRON
fsr-3464	802	11	with	with	ADP
fsr-3464	802	12	precautionary	precautionary	ADJ
fsr-3464	802	13	savings	saving	NOUN
fsr-3464	802	14	are	be	AUX
fsr-3464	802	15	less	less	ADV
fsr-3464	802	16	likely	likely	ADJ
fsr-3464	802	17	to	to	PART
fsr-3464	802	18	have	have	VERB
fsr-3464	802	19	a	a	DET
fsr-3464	802	20	payday	payday	NOUN
fsr-3464	802	21	loan	loan	NOUN
fsr-3464	802	22	.	.	PUNCT
fsr-3464	803	1	when	when	SCONJ
fsr-3464	803	2	we	we	PRON
fsr-3464	803	3	consider	consider	VERB
fsr-3464	803	4	other	other	ADJ
fsr-3464	803	5	forms	form	NOUN
fsr-3464	803	6	of	of	ADP
fsr-3464	803	7	high	high	ADJ
fsr-3464	803	8	-	-	PUNCT
fsr-3464	803	9	cost	cost	NOUN
fsr-3464	803	10	borrowing	borrowing	NOUN
fsr-3464	803	11	and	and	CCONJ
fsr-3464	803	12	conduct	conduct	VERB
fsr-3464	803	13	regression	regression	NOUN
fsr-3464	803	14	analyses	analysis	NOUN
fsr-3464	803	15	,	,	PUNCT
fsr-3464	803	16	we	we	PRON
fsr-3464	803	17	find	find	VERB
fsr-3464	803	18	a	a	DET
fsr-3464	803	19	higher	high	ADJ
fsr-3464	803	20	likelihood	likelihood	NOUN
fsr-3464	803	21	of	of	ADP
fsr-3464	803	22	maxing	maxe	VERB
fsr-3464	803	23	out	out	ADP
fsr-3464	803	24	credit	credit	NOUN
fsr-3464	803	25	cards	card	NOUN
fsr-3464	803	26	,	,	PUNCT
fsr-3464	803	27	having	have	VERB
fsr-3464	803	28	bank	bank	NOUN
fsr-3464	803	29	overdrafts	overdraft	NOUN
fsr-3464	803	30	,	,	PUNCT
fsr-3464	803	31	and	and	CCONJ
fsr-3464	803	32	taking	take	VERB
fsr-3464	803	33	cash	cash	NOUN
fsr-3464	803	34	advances	advance	NOUN
fsr-3464	803	35	on	on	ADP
fsr-3464	803	36	credit	credit	NOUN
fsr-3464	803	37	cards	card	NOUN
fsr-3464	803	38	.	.	PUNCT
fsr-3464	804	1	this	this	DET
fsr-3464	804	2	behavior	behavior	NOUN
fsr-3464	804	3	is	be	AUX
fsr-3464	804	4	specifically	specifically	ADV
fsr-3464	804	5	displayed	display	VERB
fsr-3464	804	6	among	among	ADP
fsr-3464	804	7	nonwhites	nonwhite	NOUN
fsr-3464	804	8	,	,	PUNCT
fsr-3464	804	9	individuals	individual	NOUN
fsr-3464	804	10	with	with	ADP
fsr-3464	804	11	kids	kid	NOUN
fsr-3464	804	12	,	,	PUNCT
fsr-3464	804	13	those	those	PRON
fsr-3464	804	14	with	with	ADP
fsr-3464	804	15	an	an	DET
fsr-3464	804	16	increased	increase	VERB
fsr-3464	804	17	tolerance	tolerance	NOUN
fsr-3464	804	18	for	for	ADP
fsr-3464	804	19	financial	financial	ADJ
fsr-3464	804	20	risk	risk	NOUN
fsr-3464	804	21	,	,	PUNCT
fsr-3464	804	22	and	and	CCONJ
fsr-3464	804	23	those	those	PRON
fsr-3464	804	24	who	who	PRON
fsr-3464	804	25	have	have	AUX
fsr-3464	804	26	had	have	VERB
fsr-3464	804	27	a	a	DET
fsr-3464	804	28	recent	recent	ADJ
fsr-3464	804	29	drop	drop	NOUN
fsr-3464	804	30	in	in	ADP
fsr-3464	804	31	income	income	NOUN
fsr-3464	804	32	.	.	PUNCT
fsr-3464	805	1	also	also	ADV
fsr-3464	805	2	,	,	PUNCT
fsr-3464	805	3	homeowners	homeowner	NOUN
fsr-3464	805	4	appear	appear	VERB
fsr-3464	805	5	more	more	ADV
fsr-3464	805	6	likely	likely	ADJ
fsr-3464	805	7	to	to	PART
fsr-3464	805	8	turn	turn	VERB
fsr-3464	805	9	to	to	ADP
fsr-3464	805	10	credit	credit	NOUN
fsr-3464	805	11	cards	card	NOUN
fsr-3464	805	12	to	to	PART
fsr-3464	805	13	meet	meet	VERB
fsr-3464	805	14	short	short	ADJ
fsr-3464	805	15	-	-	PUNCT
fsr-3464	805	16	term	term	NOUN
fsr-3464	805	17	liquidity	liquidity	NOUN
fsr-3464	805	18	needs	need	NOUN
fsr-3464	805	19	.	.	PUNCT
fsr-3464	806	1	a	a	DET
fsr-3464	806	2	striking	striking	ADJ
fsr-3464	806	3	finding	finding	NOUN
fsr-3464	806	4	across	across	ADP
fsr-3464	806	5	all	all	PRON
fsr-3464	806	6	of	of	ADP
fsr-3464	806	7	our	our	PRON
fsr-3464	806	8	empirical	empirical	ADJ
fsr-3464	806	9	analyses	analysis	NOUN
fsr-3464	806	10	is	be	AUX
fsr-3464	806	11	the	the	DET
fsr-3464	806	12	strong	strong	ADJ
fsr-3464	806	13	effect	effect	NOUN
fsr-3464	806	14	of	of	ADP
fsr-3464	806	15	financial	financial	ADJ
fsr-3464	806	16	literacy	literacy	NOUN
fsr-3464	806	17	on	on	ADP
fsr-3464	806	18	borrowing	borrowing	NOUN
fsr-3464	806	19	decisions	decision	NOUN
fsr-3464	806	20	.	.	PUNCT
fsr-3464	807	1	financial	financial	ADJ
fsr-3464	807	2	literacy	literacy	NOUN
fsr-3464	807	3	plays	play	VERB
fsr-3464	807	4	a	a	DET
fsr-3464	807	5	significant	significant	ADJ
fsr-3464	807	6	role	role	NOUN
fsr-3464	807	7	in	in	ADP
fsr-3464	807	8	explaining	explain	VERB
fsr-3464	807	9	why	why	SCONJ
fsr-3464	807	10	individuals	individual	NOUN
fsr-3464	807	11	use	use	VERB
fsr-3464	807	12	high	high	ADJ
fsr-3464	807	13	-	-	PUNCT
fsr-3464	807	14	cost	cost	NOUN
fsr-3464	807	15	lenders	lender	NOUN
fsr-3464	807	16	and	and	CCONJ
fsr-3464	807	17	retirement	retirement	NOUN
fsr-3464	807	18	plan	plan	NOUN
fsr-3464	807	19	loans	loan	NOUN
fsr-3464	807	20	.	.	PUNCT
fsr-3464	808	1	specifically	specifically	ADV
fsr-3464	808	2	,	,	PUNCT
fsr-3464	808	3	individuals	individual	NOUN
fsr-3464	808	4	who	who	PRON
fsr-3464	808	5	could	could	AUX
fsr-3464	808	6	answer	answer	VERB
fsr-3464	808	7	all	all	PRON
fsr-3464	808	8	of	of	ADP
fsr-3464	808	9	the	the	DET
fsr-3464	808	10	financial	financial	ADJ
fsr-3464	808	11	literacy	literacy	NOUN
fsr-3464	808	12	questions	question	NOUN
fsr-3464	808	13	correctly	correctly	ADV
fsr-3464	808	14	(	(	PUNCT
fsr-3464	808	15	deemed	deem	VERB
fsr-3464	808	16	to	to	PART
fsr-3464	808	17	be	be	AUX
fsr-3464	808	18	“	"	PUNCT
fsr-3464	808	19	financially	financially	ADV
fsr-3464	808	20	literate	literate	ADJ
fsr-3464	808	21	”	"	PUNCT
fsr-3464	808	22	)	)	PUNCT
fsr-3464	808	23	were	be	AUX
fsr-3464	808	24	unlikely	unlikely	ADJ
fsr-3464	808	25	to	to	PART
fsr-3464	808	26	turn	turn	VERB
fsr-3464	808	27	to	to	ADP
fsr-3464	808	28	high	high	ADJ
fsr-3464	808	29	-	-	PUNCT
fsr-3464	808	30	cost	cost	NOUN
fsr-3464	808	31	lenders	lender	NOUN
fsr-3464	808	32	or	or	CCONJ
fsr-3464	808	33	retirement	retirement	NOUN
fsr-3464	808	34	plans	plan	NOUN
fsr-3464	808	35	as	as	ADP
fsr-3464	808	36	a	a	DET
fsr-3464	808	37	loan	loan	NOUN
fsr-3464	808	38	option	option	NOUN
fsr-3464	808	39	.	.	PUNCT
fsr-3464	809	1	these	these	DET
fsr-3464	809	2	findings	finding	NOUN
fsr-3464	809	3	are	be	AUX
fsr-3464	809	4	consistent	consistent	ADJ
fsr-3464	809	5	with	with	ADP
fsr-3464	809	6	lusardi	lusardi	NOUN
fsr-3464	809	7	and	and	CCONJ
fsr-3464	809	8	mitchell	mitchell	PROPN
fsr-3464	809	9	(	(	PUNCT
fsr-3464	809	10	2014	2014	NUM
fsr-3464	809	11	)	)	PUNCT
fsr-3464	809	12	and	and	CCONJ
fsr-3464	809	13	disney	disney	NOUN
fsr-3464	809	14	and	and	CCONJ
fsr-3464	809	15	gathergood	gathergood	NOUN
fsr-3464	809	16	(	(	PUNCT
fsr-3464	809	17	2012	2012	NUM
fsr-3464	809	18	)	)	PUNCT
fsr-3464	809	19	,	,	PUNCT
fsr-3464	809	20	where	where	SCONJ
fsr-3464	809	21	both	both	DET
fsr-3464	809	22	studies	study	NOUN
fsr-3464	809	23	highlighted	highlight	VERB
fsr-3464	809	24	that	that	SCONJ
fsr-3464	809	25	users	user	NOUN
fsr-3464	809	26	of	of	ADP
fsr-3464	809	27	high	high	ADJ
fsr-3464	809	28	-	-	PUNCT
fsr-3464	809	29	cost	cost	NOUN
fsr-3464	809	30	debt	debt	NOUN
fsr-3464	809	31	are	be	AUX
fsr-3464	809	32	more	more	ADV
fsr-3464	809	33	likely	likely	ADJ
fsr-3464	809	34	to	to	PART
fsr-3464	809	35	lack	lack	VERB
fsr-3464	809	36	financial	financial	ADJ
fsr-3464	809	37	knowledge	knowledge	NOUN
fsr-3464	809	38	.	.	PUNCT
fsr-3464	810	1	we	we	PRON
fsr-3464	810	2	also	also	ADV
fsr-3464	810	3	find	find	VERB
fsr-3464	810	4	that	that	SCONJ
fsr-3464	810	5	financial	financial	ADJ
fsr-3464	810	6	literacy	literacy	NOUN
fsr-3464	810	7	explains	explain	VERB
fsr-3464	810	8	myopic	myopic	ADJ
fsr-3464	810	9	spending	spending	NOUN
fsr-3464	810	10	patterns	pattern	NOUN
fsr-3464	810	11	.	.	PUNCT
fsr-3464	811	1	the	the	DET
fsr-3464	811	2	financially	financially	ADV
fsr-3464	811	3	literate	literate	ADJ
fsr-3464	811	4	are	be	AUX
fsr-3464	811	5	unlikely	unlikely	ADJ
fsr-3464	811	6	to	to	PART
fsr-3464	811	7	turn	turn	VERB
fsr-3464	811	8	to	to	ADP
fsr-3464	811	9	credit	credit	NOUN
fsr-3464	811	10	cards	card	NOUN
fsr-3464	811	11	and	and	CCONJ
fsr-3464	811	12	bank	bank	NOUN
fsr-3464	811	13	overdrafts	overdraft	NOUN
fsr-3464	811	14	when	when	SCONJ
fsr-3464	811	15	faced	face	VERB
fsr-3464	811	16	with	with	ADP
fsr-3464	811	17	income	income	NOUN
fsr-3464	811	18	shortfalls	shortfall	NOUN
fsr-3464	811	19	.	.	PUNCT
fsr-3464	812	1	we	we	PRON
fsr-3464	812	2	do	do	AUX
fsr-3464	812	3	not	not	PART
fsr-3464	812	4	ignore	ignore	VERB
fsr-3464	812	5	the	the	DET
fsr-3464	812	6	effect	effect	NOUN
fsr-3464	812	7	of	of	ADP
fsr-3464	812	8	a	a	DET
fsr-3464	812	9	recent	recent	ADJ
fsr-3464	812	10	drop	drop	NOUN
fsr-3464	812	11	in	in	ADP
fsr-3464	812	12	income	income	NOUN
fsr-3464	812	13	on	on	ADP
fsr-3464	812	14	borrowing	borrowing	NOUN
fsr-3464	812	15	choices	choice	NOUN
fsr-3464	812	16	.	.	PUNCT
fsr-3464	813	1	noteworthy	noteworthy	ADJ
fsr-3464	813	2	,	,	PUNCT
fsr-3464	813	3	we	we	PRON
fsr-3464	813	4	find	find	VERB
fsr-3464	813	5	that	that	SCONJ
fsr-3464	813	6	financial	financial	ADJ
fsr-3464	813	7	literacy	literacy	NOUN
fsr-3464	813	8	is	be	AUX
fsr-3464	813	9	a	a	DET
fsr-3464	813	10	moderating	moderate	VERB
fsr-3464	813	11	factor	factor	NOUN
fsr-3464	813	12	even	even	ADV
fsr-3464	813	13	when	when	SCONJ
fsr-3464	813	14	faced	face	VERB
fsr-3464	813	15	with	with	ADP
fsr-3464	813	16	a	a	DET
fsr-3464	813	17	loss	loss	NOUN
fsr-3464	813	18	of	of	ADP
fsr-3464	813	19	income	income	NOUN
fsr-3464	813	20	.	.	PUNCT
fsr-3464	814	1	this	this	PRON
fsr-3464	814	2	is	be	AUX
fsr-3464	814	3	an	an	DET
fsr-3464	814	4	important	important	ADJ
fsr-3464	814	5	finding	finding	NOUN
fsr-3464	814	6	because	because	SCONJ
fsr-3464	814	7	it	it	PRON
fsr-3464	814	8	provides	provide	VERB
fsr-3464	814	9	evidence	evidence	NOUN
fsr-3464	814	10	that	that	SCONJ
fsr-3464	814	11	individuals	individual	NOUN
fsr-3464	814	12	with	with	ADP
fsr-3464	814	13	high	high	ADJ
fsr-3464	814	14	levels	level	NOUN
fsr-3464	814	15	of	of	ADP
fsr-3464	814	16	financial	financial	ADJ
fsr-3464	814	17	literacy	literacy	NOUN
fsr-3464	814	18	are	be	AUX
fsr-3464	814	19	unlikely	unlikely	ADJ
fsr-3464	814	20	to	to	PART
fsr-3464	814	21	turn	turn	VERB
fsr-3464	814	22	to	to	ADP
fsr-3464	814	23	high	high	ADJ
fsr-3464	814	24	-	-	PUNCT
fsr-3464	814	25	cost	cost	NOUN
fsr-3464	814	26	borrowers	borrower	NOUN
fsr-3464	814	27	even	even	ADV
fsr-3464	814	28	in	in	ADP
fsr-3464	814	29	the	the	DET
fsr-3464	814	30	face	face	NOUN
fsr-3464	814	31	of	of	ADP
fsr-3464	814	32	an	an	DET
fsr-3464	814	33	income	income	NOUN
fsr-3464	814	34	shock	shock	NOUN
fsr-3464	814	35	.	.	PUNCT
fsr-3464	815	1	the	the	DET
fsr-3464	815	2	authors	author	NOUN
fsr-3464	815	3	of	of	ADP
fsr-3464	815	4	this	this	DET
fsr-3464	815	5	study	study	NOUN
fsr-3464	815	6	acknowledge	acknowledge	VERB
fsr-3464	815	7	that	that	SCONJ
fsr-3464	815	8	retirement	retirement	NOUN
fsr-3464	815	9	plan	plan	NOUN
fsr-3464	815	10	loans	loan	NOUN
fsr-3464	815	11	may	may	AUX
fsr-3464	815	12	allow	allow	VERB
fsr-3464	815	13	households	household	NOUN
fsr-3464	815	14	to	to	PART
fsr-3464	815	15	increase	increase	VERB
fsr-3464	815	16	consumption	consumption	NOUN
fsr-3464	815	17	during	during	ADP
fsr-3464	815	18	periods	period	NOUN
fsr-3464	815	19	when	when	SCONJ
fsr-3464	815	20	they	they	PRON
fsr-3464	815	21	have	have	VERB
fsr-3464	815	22	a	a	DET
fsr-3464	815	23	liquidity	liquidity	NOUN
fsr-3464	815	24	constraint	constraint	NOUN
fsr-3464	815	25	.	.	PUNCT
fsr-3464	816	1	the	the	PRON
fsr-3464	816	2	higher	high	ADJ
fsr-3464	816	3	a	a	DET
fsr-3464	816	4	respondent	respondent	NOUN
fsr-3464	816	5	’s	’s	PART
fsr-3464	816	6	financial	financial	ADJ
fsr-3464	816	7	literacy	literacy	NOUN
fsr-3464	816	8	level	level	NOUN
fsr-3464	816	9	,	,	PUNCT
fsr-3464	816	10	the	the	PRON
fsr-3464	816	11	less	less	ADV
fsr-3464	816	12	likely	likely	ADJ
fsr-3464	816	13	they	they	PRON
fsr-3464	816	14	are	be	AUX
fsr-3464	816	15	to	to	PART
fsr-3464	816	16	use	use	VERB
fsr-3464	816	17	plan	plan	NOUN
fsr-3464	816	18	loans	loan	NOUN
fsr-3464	816	19	to	to	PART
fsr-3464	816	20	smooth	smooth	VERB
fsr-3464	816	21	consumption	consumption	NOUN
fsr-3464	816	22	,	,	PUNCT
fsr-3464	816	23	even	even	ADV
fsr-3464	816	24	when	when	SCONJ
fsr-3464	816	25	faced	face	VERB
fsr-3464	816	26	with	with	ADP
fsr-3464	816	27	an	an	DET
fsr-3464	816	28	income	income	NOUN
fsr-3464	816	29	shock	shock	NOUN
fsr-3464	816	30	.	.	PUNCT
fsr-3464	817	1	however	however	ADV
fsr-3464	817	2	,	,	PUNCT
fsr-3464	817	3	when	when	SCONJ
fsr-3464	817	4	confronted	confront	VERB
fsr-3464	817	5	with	with	ADP
fsr-3464	817	6	a	a	DET
fsr-3464	817	7	choice	choice	NOUN
fsr-3464	817	8	of	of	ADP
fsr-3464	817	9	borrowing	borrowing	NOUN
fsr-3464	817	10	from	from	ADP
fsr-3464	817	11	either	either	CCONJ
fsr-3464	817	12	high	high	ADJ
fsr-3464	817	13	-	-	PUNCT
fsr-3464	817	14	cost	cost	NOUN
fsr-3464	817	15	lenders	lender	NOUN
fsr-3464	817	16	or	or	CCONJ
fsr-3464	817	17	retirement	retirement	NOUN
fsr-3464	817	18	plans	plan	NOUN
fsr-3464	817	19	,	,	PUNCT
fsr-3464	817	20	financially	financially	ADV
fsr-3464	817	21	literate	literate	ADJ
fsr-3464	817	22	respondents	respondent	NOUN
fsr-3464	817	23	are	be	AUX
fsr-3464	817	24	less	less	ADV
fsr-3464	817	25	likely	likely	ADJ
fsr-3464	817	26	to	to	PART
fsr-3464	817	27	choose	choose	VERB
fsr-3464	817	28	any	any	DET
fsr-3464	817	29	loan	loan	NOUN
fsr-3464	817	30	option	option	NOUN
fsr-3464	817	31	that	that	PRON
fsr-3464	817	32	includes	include	VERB
fsr-3464	817	33	a	a	DET
fsr-3464	817	34	high	high	ADJ
fsr-3464	817	35	-	-	PUNCT
fsr-3464	817	36	cost	cost	NOUN
fsr-3464	817	37	lender	lender	NOUN
fsr-3464	817	38	,	,	PUNCT
fsr-3464	817	39	even	even	ADV
fsr-3464	817	40	when	when	SCONJ
fsr-3464	817	41	faced	face	VERB
fsr-3464	817	42	with	with	ADP
fsr-3464	817	43	an	an	DET
fsr-3464	817	44	income	income	NOUN
fsr-3464	817	45	shock	shock	NOUN
fsr-3464	817	46	.	.	PUNCT
fsr-3464	818	1	tang	tang	PROPN
fsr-3464	818	2	and	and	CCONJ
fsr-3464	818	3	lu	lu	PROPN
fsr-3464	818	4	(	(	PUNCT
fsr-3464	818	5	2014	2014	NUM
fsr-3464	818	6	)	)	PUNCT
fsr-3464	818	7	showcased	showcase	VERB
fsr-3464	818	8	that	that	SCONJ
fsr-3464	818	9	individuals	individual	NOUN
fsr-3464	818	10	view	view	VERB
fsr-3464	818	11	retirement	retirement	NOUN
fsr-3464	818	12	plan	plan	NOUN
fsr-3464	818	13	loans	loan	NOUN
fsr-3464	818	14	as	as	ADP
fsr-3464	818	15	a	a	DET
fsr-3464	818	16	last	last	ADJ
fsr-3464	818	17	resort	resort	NOUN
fsr-3464	818	18	.	.	PUNCT
fsr-3464	819	1	it	it	PRON
fsr-3464	819	2	is	be	AUX
fsr-3464	819	3	apparent	apparent	ADJ
fsr-3464	819	4	from	from	ADP
fsr-3464	819	5	the	the	DET
fsr-3464	819	6	results	result	NOUN
fsr-3464	819	7	of	of	ADP
fsr-3464	819	8	this	this	DET
fsr-3464	819	9	study	study	NOUN
fsr-3464	819	10	that	that	SCONJ
fsr-3464	819	11	financial	financial	ADJ
fsr-3464	819	12	literacy	literacy	NOUN
fsr-3464	819	13	may	may	AUX
fsr-3464	819	14	explain	explain	VERB
fsr-3464	819	15	reduced	reduced	ADJ
fsr-3464	819	16	plan	plan	NOUN
fsr-3464	819	17	loan	loan	NOUN
fsr-3464	819	18	use	use	NOUN
fsr-3464	819	19	among	among	ADP
fsr-3464	819	20	individuals	individual	NOUN
fsr-3464	819	21	with	with	ADP
fsr-3464	819	22	a	a	DET
fsr-3464	819	23	high	high	ADJ
fsr-3464	819	24	level	level	NOUN
fsr-3464	819	25	of	of	ADP
fsr-3464	819	26	financial	financial	ADJ
fsr-3464	819	27	knowledge	knowledge	NOUN
fsr-3464	819	28	.	.	PUNCT
fsr-3464	820	1	t.	t.	PROPN
fsr-3464	820	2	martin	martin	PROPN
fsr-3464	820	3	et	et	PROPN
fsr-3464	820	4	al	al	PROPN
fsr-3464	820	5	.	.	PUNCT
fsr-3464	820	6	/	/	SYM
fsr-3464	820	7	financial	financial	ADJ
fsr-3464	820	8	services	service	NOUN
fsr-3464	820	9	review	review	VERB
fsr-3464	820	10	29	29	NUM
fsr-3464	820	11	(	(	PUNCT
fsr-3464	820	12	2021	2021	NUM
fsr-3464	820	13	)	)	PUNCT
fsr-3464	821	1	293–314	293–314	NUM
fsr-3464	821	2	311	311	NUM
fsr-3464	821	3	7	7	NUM
fsr-3464	821	4	.	.	PUNCT
fsr-3464	821	5	implications	implication	NOUN
fsr-3464	821	6	undoubtedly	undoubtedly	ADV
fsr-3464	821	7	,	,	PUNCT
fsr-3464	821	8	saving	save	VERB
fsr-3464	821	9	for	for	ADP
fsr-3464	821	10	retirement	retirement	NOUN
fsr-3464	821	11	and	and	CCONJ
fsr-3464	821	12	effectively	effectively	ADV
fsr-3464	821	13	managing	manage	VERB
fsr-3464	821	14	debt	debt	NOUN
fsr-3464	821	15	are	be	AUX
fsr-3464	821	16	involved	involve	VERB
fsr-3464	821	17	processes	process	NOUN
fsr-3464	821	18	that	that	PRON
fsr-3464	821	19	require	require	VERB
fsr-3464	821	20	financial	financial	ADJ
fsr-3464	821	21	knowledge	knowledge	NOUN
fsr-3464	821	22	.	.	PUNCT
fsr-3464	822	1	the	the	DET
fsr-3464	822	2	u.s	u.s	PROPN
fsr-3464	822	3	.	.	PROPN
fsr-3464	822	4	retirement	retirement	NOUN
fsr-3464	822	5	savings	saving	NOUN
fsr-3464	822	6	system	system	NOUN
fsr-3464	822	7	provides	provide	VERB
fsr-3464	822	8	plan	plan	NOUN
fsr-3464	822	9	participants	participant	NOUN
fsr-3464	822	10	with	with	ADP
fsr-3464	822	11	significant	significant	ADJ
fsr-3464	822	12	liquidity	liquidity	NOUN
fsr-3464	822	13	regardless	regardless	ADV
fsr-3464	822	14	of	of	ADP
fsr-3464	822	15	economic	economic	ADJ
fsr-3464	822	16	circumstance	circumstance	NOUN
fsr-3464	822	17	(	(	PUNCT
fsr-3464	822	18	beshears	beshear	NOUN
fsr-3464	822	19	et	et	PROPN
fsr-3464	822	20	al	al	PROPN
fsr-3464	822	21	.	.	PROPN
fsr-3464	822	22	,	,	PUNCT
fsr-3464	822	23	2015	2015	NUM
fsr-3464	822	24	)	)	PUNCT
fsr-3464	822	25	.	.	PUNCT
fsr-3464	823	1	as	as	SCONJ
fsr-3464	823	2	such	such	ADJ
fsr-3464	823	3	,	,	PUNCT
fsr-3464	823	4	access	access	NOUN
fsr-3464	823	5	to	to	ADP
fsr-3464	823	6	income	income	NOUN
fsr-3464	823	7	via	via	ADP
fsr-3464	823	8	retirement	retirement	NOUN
fsr-3464	823	9	saving	saving	NOUN
fsr-3464	823	10	schemes	scheme	NOUN
fsr-3464	823	11	leads	lead	VERB
fsr-3464	823	12	to	to	ADP
fsr-3464	823	13	significant	significant	ADJ
fsr-3464	823	14	preretirement	preretirement	ADJ
fsr-3464	823	15	leakage	leakage	NOUN
fsr-3464	823	16	—	—	PUNCT
fsr-3464	823	17	even	even	ADV
fsr-3464	823	18	in	in	ADP
fsr-3464	823	19	the	the	DET
fsr-3464	823	20	face	face	NOUN
fsr-3464	823	21	of	of	ADP
fsr-3464	823	22	the	the	DET
fsr-3464	823	23	10	10	NUM
fsr-3464	823	24	%	%	NOUN
fsr-3464	823	25	penalty	penalty	NOUN
fsr-3464	823	26	and	and	CCONJ
fsr-3464	823	27	tax	tax	NOUN
fsr-3464	823	28	liability	liability	NOUN
fsr-3464	823	29	at	at	ADP
fsr-3464	823	30	one	one	NUM
fsr-3464	823	31	’s	’s	PART
fsr-3464	823	32	marginal	marginal	ADJ
fsr-3464	823	33	tax	tax	NOUN
fsr-3464	823	34	rate	rate	NOUN
fsr-3464	823	35	(	(	PUNCT
fsr-3464	823	36	federal	federal	ADJ
fsr-3464	823	37	and/or	and/or	CCONJ
fsr-3464	823	38	state	state	NOUN
fsr-3464	823	39	)	)	PUNCT
fsr-3464	823	40	of	of	ADP
fsr-3464	823	41	the	the	DET
fsr-3464	823	42	amount	amount	NOUN
fsr-3464	823	43	withdrawn	withdraw	VERB
fsr-3464	823	44	.	.	PUNCT
fsr-3464	824	1	by	by	ADP
fsr-3464	824	2	2012	2012	NUM
fsr-3464	824	3	,	,	PUNCT
fsr-3464	824	4	25	25	NUM
fsr-3464	824	5	%	%	NOUN
fsr-3464	824	6	of	of	ADP
fsr-3464	824	7	american	american	ADJ
fsr-3464	824	8	households	household	NOUN
fsr-3464	824	9	had	have	VERB
fsr-3464	824	10	some	some	DET
fsr-3464	824	11	form	form	NOUN
fsr-3464	824	12	of	of	ADP
fsr-3464	824	13	retirement	retirement	NOUN
fsr-3464	824	14	plan	plan	NOUN
fsr-3464	824	15	leakage	leakage	NOUN
fsr-3464	824	16	amounting	amount	VERB
fsr-3464	824	17	to	to	ADP
fsr-3464	824	18	70	70	NUM
fsr-3464	824	19	billion	billion	NUM
fsr-3464	824	20	dollars	dollar	NOUN
fsr-3464	824	21	annually	annually	ADV
fsr-3464	824	22	,	,	PUNCT
fsr-3464	824	23	while	while	SCONJ
fsr-3464	824	24	plan	plan	NOUN
fsr-3464	824	25	participants	participant	NOUN
fsr-3464	824	26	were	be	AUX
fsr-3464	824	27	only	only	ADV
fsr-3464	824	28	contributing	contribute	VERB
fsr-3464	824	29	$	$	SYM
fsr-3464	824	30	175	175	NUM
fsr-3464	824	31	billion	billion	NUM
fsr-3464	824	32	(	(	PUNCT
fsr-3464	824	33	fellowes	fellowe	NOUN
fsr-3464	824	34	&	&	CCONJ
fsr-3464	824	35	willemin	willemin	PROPN
fsr-3464	824	36	,	,	PUNCT
fsr-3464	824	37	2013	2013	NUM
fsr-3464	824	38	)	)	PUNCT
fsr-3464	824	39	.	.	PUNCT
fsr-3464	825	1	essentially	essentially	ADV
fsr-3464	825	2	,	,	PUNCT
fsr-3464	825	3	for	for	SCONJ
fsr-3464	825	4	every	every	DET
fsr-3464	825	5	$	$	SYM
fsr-3464	825	6	1	1	NUM
fsr-3464	825	7	saved	save	VERB
fsr-3464	825	8	,	,	PUNCT
fsr-3464	825	9	$	$	SYM
fsr-3464	825	10	0.40	0.40	NUM
fsr-3464	825	11	is	be	AUX
fsr-3464	825	12	withdrawn	withdraw	VERB
fsr-3464	825	13	dc	dc	PROPN
fsr-3464	825	14	plans	plan	NOUN
fsr-3464	825	15	(	(	PUNCT
fsr-3464	825	16	argento	argento	PROPN
fsr-3464	825	17	,	,	PUNCT
fsr-3464	825	18	bryant	bryant	PROPN
fsr-3464	825	19	,	,	PUNCT
fsr-3464	825	20	&	&	CCONJ
fsr-3464	825	21	sabelhaus	sabelhaus	PROPN
fsr-3464	825	22	,	,	PUNCT
fsr-3464	825	23	2015	2015	NUM
fsr-3464	825	24	)	)	PUNCT
fsr-3464	825	25	.	.	PUNCT
fsr-3464	826	1	plan	plan	NOUN
fsr-3464	826	2	loans	loan	NOUN
fsr-3464	826	3	account	account	VERB
fsr-3464	826	4	for	for	ADP
fsr-3464	826	5	a	a	DET
fsr-3464	826	6	significant	significant	ADJ
fsr-3464	826	7	amount	amount	NOUN
fsr-3464	826	8	of	of	ADP
fsr-3464	826	9	the	the	DET
fsr-3464	826	10	annual	annual	ADJ
fsr-3464	826	11	defined	define	VERB
fsr-3464	826	12	contribution	contribution	NOUN
fsr-3464	826	13	plan	plan	NOUN
fsr-3464	826	14	leakage	leakage	NOUN
fsr-3464	826	15	,	,	PUNCT
fsr-3464	826	16	but	but	CCONJ
fsr-3464	826	17	plan	plan	AUX
fsr-3464	826	18	administrators	administrator	NOUN
fsr-3464	826	19	do	do	AUX
fsr-3464	826	20	not	not	PART
fsr-3464	826	21	adequately	adequately	ADV
fsr-3464	826	22	discuss	discuss	VERB
fsr-3464	826	23	the	the	DET
fsr-3464	826	24	long	long	ADJ
fsr-3464	826	25	-	-	PUNCT
fsr-3464	826	26	term	term	NOUN
fsr-3464	826	27	impact	impact	NOUN
fsr-3464	826	28	on	on	ADP
fsr-3464	826	29	accumulated	accumulate	VERB
fsr-3464	826	30	retirement	retirement	NOUN
fsr-3464	826	31	wealth	wealth	NOUN
fsr-3464	826	32	(	(	PUNCT
fsr-3464	826	33	gao	gao	PROPN
fsr-3464	826	34	,	,	PUNCT
fsr-3464	826	35	2009	2009	NUM
fsr-3464	826	36	)	)	PUNCT
fsr-3464	826	37	.	.	PUNCT
fsr-3464	827	1	individuals	individual	NOUN
fsr-3464	827	2	may	may	AUX
fsr-3464	827	3	not	not	PART
fsr-3464	827	4	be	be	AUX
fsr-3464	827	5	using	use	VERB
fsr-3464	827	6	plan	plan	NOUN
fsr-3464	827	7	loans	loan	NOUN
fsr-3464	827	8	to	to	PART
fsr-3464	827	9	meet	meet	VERB
fsr-3464	827	10	economic	economic	ADJ
fsr-3464	827	11	shocks	shock	NOUN
fsr-3464	827	12	,	,	PUNCT
fsr-3464	827	13	but	but	CCONJ
fsr-3464	827	14	due	due	ADP
fsr-3464	827	15	to	to	ADP
fsr-3464	827	16	time	time	NOUN
fsr-3464	827	17	-	-	PUNCT
fsr-3464	827	18	inconsistent	inconsistent	ADJ
fsr-3464	827	19	preferences	preference	NOUN
fsr-3464	827	20	.	.	PUNCT
fsr-3464	828	1	individuals	individual	NOUN
fsr-3464	828	2	who	who	PRON
fsr-3464	828	3	display	display	VERB
fsr-3464	828	4	low	low	ADJ
fsr-3464	828	5	financial	financial	ADJ
fsr-3464	828	6	literacy	literacy	NOUN
fsr-3464	828	7	show	show	VERB
fsr-3464	828	8	evidence	evidence	NOUN
fsr-3464	828	9	of	of	ADP
fsr-3464	828	10	improper	improper	ADJ
fsr-3464	828	11	borrowing	borrowing	NOUN
fsr-3464	828	12	by	by	ADP
fsr-3464	828	13	maxing	maxe	VERB
fsr-3464	828	14	out	out	ADP
fsr-3464	828	15	credit	credit	NOUN
fsr-3464	828	16	cards	card	NOUN
fsr-3464	828	17	and	and	CCONJ
fsr-3464	828	18	having	have	VERB
fsr-3464	828	19	bank	bank	NOUN
fsr-3464	828	20	overdrafts	overdraft	NOUN
fsr-3464	828	21	.	.	PUNCT
fsr-3464	829	1	if	if	SCONJ
fsr-3464	829	2	we	we	PRON
fsr-3464	829	3	were	be	AUX
fsr-3464	829	4	to	to	PART
fsr-3464	829	5	add	add	VERB
fsr-3464	829	6	managing	manage	VERB
fsr-3464	829	7	a	a	DET
fsr-3464	829	8	retirement	retirement	NOUN
fsr-3464	829	9	plan	plan	NOUN
fsr-3464	829	10	loan	loan	NOUN
fsr-3464	829	11	to	to	ADP
fsr-3464	829	12	this	this	DET
fsr-3464	829	13	mix	mix	NOUN
fsr-3464	829	14	,	,	PUNCT
fsr-3464	829	15	along	along	ADP
fsr-3464	829	16	with	with	ADP
fsr-3464	829	17	a	a	DET
fsr-3464	829	18	job	job	NOUN
fsr-3464	829	19	,	,	PUNCT
fsr-3464	829	20	defaults	default	NOUN
fsr-3464	829	21	are	be	AUX
fsr-3464	829	22	more	more	ADV
fsr-3464	829	23	likely	likely	ADJ
fsr-3464	829	24	.	.	PUNCT
fsr-3464	830	1	as	as	ADP
fsr-3464	830	2	such	such	ADJ
fsr-3464	830	3	,	,	PUNCT
fsr-3464	830	4	there	there	PRON
fsr-3464	830	5	appears	appear	VERB
fsr-3464	830	6	to	to	PART
fsr-3464	830	7	be	be	AUX
fsr-3464	830	8	a	a	DET
fsr-3464	830	9	need	need	NOUN
fsr-3464	830	10	for	for	ADP
fsr-3464	830	11	greater	great	ADJ
fsr-3464	830	12	financial	financial	ADJ
fsr-3464	830	13	education	education	NOUN
fsr-3464	830	14	in	in	ADP
fsr-3464	830	15	the	the	DET
fsr-3464	830	16	workplace	workplace	NOUN
fsr-3464	830	17	,	,	PUNCT
fsr-3464	830	18	particularly	particularly	ADV
fsr-3464	830	19	among	among	ADP
fsr-3464	830	20	those	those	PRON
fsr-3464	830	21	who	who	PRON
fsr-3464	830	22	opt	opt	VERB
fsr-3464	830	23	to	to	PART
fsr-3464	830	24	use	use	VERB
fsr-3464	830	25	their	their	PRON
fsr-3464	830	26	retirement	retirement	NOUN
fsr-3464	830	27	plans	plan	NOUN
fsr-3464	830	28	before	before	ADP
fsr-3464	830	29	retirement	retirement	NOUN
fsr-3464	830	30	,	,	PUNCT
fsr-3464	830	31	to	to	PART
fsr-3464	830	32	mitigate	mitigate	VERB
fsr-3464	830	33	not	not	PART
fsr-3464	830	34	just	just	ADV
fsr-3464	830	35	define	define	VERB
fsr-3464	830	36	contribution	contribution	NOUN
fsr-3464	830	37	leakage	leakage	NOUN
fsr-3464	830	38	,	,	PUNCT
fsr-3464	830	39	but	but	CCONJ
fsr-3464	830	40	myopic	myopic	ADJ
fsr-3464	830	41	spending	spending	NOUN
fsr-3464	830	42	.	.	PUNCT
fsr-3464	831	1	in	in	ADP
fsr-3464	831	2	other	other	ADJ
fsr-3464	831	3	words	word	NOUN
fsr-3464	831	4	,	,	PUNCT
fsr-3464	831	5	some	some	DET
fsr-3464	831	6	individuals	individual	NOUN
fsr-3464	831	7	might	might	AUX
fsr-3464	831	8	need	need	VERB
fsr-3464	831	9	to	to	PART
fsr-3464	831	10	take	take	VERB
fsr-3464	831	11	a	a	DET
fsr-3464	831	12	loan	loan	NOUN
fsr-3464	831	13	from	from	ADP
fsr-3464	831	14	their	their	PRON
fsr-3464	831	15	retirement	retirement	NOUN
fsr-3464	831	16	account	account	NOUN
fsr-3464	831	17	to	to	PART
fsr-3464	831	18	meet	meet	VERB
fsr-3464	831	19	their	their	PRON
fsr-3464	831	20	basic	basic	ADJ
fsr-3464	831	21	living	living	NOUN
fsr-3464	831	22	expenses	expense	NOUN
fsr-3464	831	23	.	.	PUNCT
fsr-3464	832	1	however	however	ADV
fsr-3464	832	2	,	,	PUNCT
fsr-3464	832	3	they	they	PRON
fsr-3464	832	4	should	should	AUX
fsr-3464	832	5	not	not	PART
fsr-3464	832	6	remove	remove	VERB
fsr-3464	832	7	the	the	DET
fsr-3464	832	8	funds	fund	NOUN
fsr-3464	832	9	from	from	ADP
fsr-3464	832	10	their	their	PRON
fsr-3464	832	11	account	account	NOUN
fsr-3464	832	12	to	to	PART
fsr-3464	832	13	take	take	VERB
fsr-3464	832	14	a	a	DET
fsr-3464	832	15	vacation	vacation	NOUN
fsr-3464	832	16	or	or	CCONJ
fsr-3464	832	17	buy	buy	VERB
fsr-3464	832	18	a	a	DET
fsr-3464	832	19	sports	sport	NOUN
fsr-3464	832	20	car	car	NOUN
fsr-3464	832	21	.	.	PUNCT
fsr-3464	833	1	the	the	DET
fsr-3464	833	2	pew	pew	NOUN
fsr-3464	833	3	charitable	charitable	ADJ
fsr-3464	833	4	trust	trust	NOUN
fsr-3464	833	5	reports	report	VERB
fsr-3464	833	6	that	that	SCONJ
fsr-3464	833	7	annually	annually	ADV
fsr-3464	833	8	12	12	NUM
fsr-3464	833	9	million	million	NUM
fsr-3464	833	10	americans	americans	PROPN
fsr-3464	833	11	spend	spend	VERB
fsr-3464	833	12	$	$	SYM
fsr-3464	833	13	9	9	NUM
fsr-3464	833	14	billion	billion	NUM
fsr-3464	833	15	in	in	ADP
fsr-3464	833	16	payday	payday	NOUN
fsr-3464	833	17	loan	loan	NOUN
fsr-3464	833	18	fees	fee	NOUN
fsr-3464	833	19	and	and	CCONJ
fsr-3464	833	20	another	another	DET
fsr-3464	833	21	$	$	SYM
fsr-3464	833	22	3	3	NUM
fsr-3464	833	23	billion	billion	NUM
fsr-3464	833	24	on	on	ADP
fsr-3464	833	25	auto	auto	NOUN
fsr-3464	833	26	title	title	NOUN
fsr-3464	833	27	loans	loan	NOUN
fsr-3464	833	28	.	.	PUNCT
fsr-3464	834	1	on	on	ADP
fsr-3464	834	2	average	average	ADJ
fsr-3464	834	3	,	,	PUNCT
fsr-3464	834	4	a	a	DET
fsr-3464	834	5	borrower	borrower	NOUN
fsr-3464	834	6	takes	take	VERB
fsr-3464	834	7	out	out	ADP
fsr-3464	834	8	eight	eight	NUM
fsr-3464	834	9	loans	loan	NOUN
fsr-3464	834	10	per	per	ADP
fsr-3464	834	11	year	year	NOUN
fsr-3464	834	12	and	and	CCONJ
fsr-3464	834	13	pays	pay	VERB
fsr-3464	834	14	more	more	ADJ
fsr-3464	834	15	in	in	ADP
fsr-3464	834	16	interest	interest	NOUN
fsr-3464	834	17	payments	payment	NOUN
fsr-3464	834	18	than	than	ADP
fsr-3464	834	19	the	the	DET
fsr-3464	834	20	original	original	ADJ
fsr-3464	834	21	principal	principal	NOUN
fsr-3464	834	22	.	.	PUNCT
fsr-3464	835	1	additionally	additionally	ADV
fsr-3464	835	2	,	,	PUNCT
fsr-3464	835	3	they	they	PRON
fsr-3464	835	4	find	find	VERB
fsr-3464	835	5	that	that	SCONJ
fsr-3464	835	6	payday	payday	NOUN
fsr-3464	835	7	loans	loan	NOUN
fsr-3464	835	8	are	be	AUX
fsr-3464	835	9	not	not	PART
fsr-3464	835	10	used	use	VERB
fsr-3464	835	11	for	for	ADP
fsr-3464	835	12	unexpected	unexpected	ADJ
fsr-3464	835	13	income	income	NOUN
fsr-3464	835	14	shocks	shock	NOUN
fsr-3464	835	15	or	or	CCONJ
fsr-3464	835	16	unforeseen	unforeseen	ADJ
fsr-3464	835	17	expenses	expense	NOUN
fsr-3464	835	18	,	,	PUNCT
fsr-3464	835	19	but	but	CCONJ
fsr-3464	835	20	to	to	PART
fsr-3464	835	21	meet	meet	VERB
fsr-3464	835	22	daily	daily	ADJ
fsr-3464	835	23	living	living	NOUN
fsr-3464	835	24	expenses	expense	NOUN
fsr-3464	835	25	possibly	possibly	ADV
fsr-3464	835	26	caused	cause	VERB
fsr-3464	835	27	by	by	ADP
fsr-3464	835	28	myopic	myopic	ADJ
fsr-3464	835	29	spending	spending	NOUN
fsr-3464	835	30	.	.	PUNCT
fsr-3464	836	1	agarwal	agarwal	PROPN
fsr-3464	836	2	,	,	PUNCT
fsr-3464	836	3	skiba	skiba	PROPN
fsr-3464	836	4	,	,	PUNCT
fsr-3464	836	5	and	and	CCONJ
fsr-3464	836	6	tobacman	tobacman	NOUN
fsr-3464	836	7	(	(	PUNCT
fsr-3464	836	8	2009	2009	NUM
fsr-3464	836	9	)	)	PUNCT
fsr-3464	836	10	find	find	VERB
fsr-3464	836	11	that	that	SCONJ
fsr-3464	836	12	even	even	ADV
fsr-3464	836	13	in	in	ADP
fsr-3464	836	14	the	the	DET
fsr-3464	836	15	presence	presence	NOUN
fsr-3464	836	16	of	of	ADP
fsr-3464	836	17	more	more	ADJ
fsr-3464	836	18	cost	cost	NOUN
fsr-3464	836	19	-	-	PUNCT
fsr-3464	836	20	effective	effective	ADJ
fsr-3464	836	21	liquidity	liquidity	NOUN
fsr-3464	836	22	options	option	NOUN
fsr-3464	836	23	(	(	PUNCT
fsr-3464	836	24	a	a	DET
fsr-3464	836	25	credit	credit	NOUN
fsr-3464	836	26	card	card	NOUN
fsr-3464	836	27	)	)	PUNCT
fsr-3464	836	28	66	66	NUM
fsr-3464	836	29	%	%	NOUN
fsr-3464	836	30	of	of	ADP
fsr-3464	836	31	their	their	PRON
fsr-3464	836	32	sample	sample	NOUN
fsr-3464	836	33	still	still	ADV
fsr-3464	836	34	took	take	VERB
fsr-3464	836	35	out	out	ADP
fsr-3464	836	36	a	a	DET
fsr-3464	836	37	payday	payday	NOUN
fsr-3464	836	38	loan	loan	NOUN
fsr-3464	836	39	.	.	PUNCT
fsr-3464	837	1	the	the	DET
fsr-3464	837	2	results	result	NOUN
fsr-3464	837	3	of	of	ADP
fsr-3464	837	4	this	this	DET
fsr-3464	837	5	study	study	NOUN
fsr-3464	837	6	indicate	indicate	VERB
fsr-3464	837	7	that	that	SCONJ
fsr-3464	837	8	financial	financial	ADJ
fsr-3464	837	9	literacy	literacy	NOUN
fsr-3464	837	10	can	can	AUX
fsr-3464	837	11	help	help	VERB
fsr-3464	837	12	explain	explain	VERB
fsr-3464	837	13	such	such	ADJ
fsr-3464	837	14	gross	gross	ADJ
fsr-3464	837	15	debt	debt	NOUN
fsr-3464	837	16	mismanagement	mismanagement	NOUN
fsr-3464	837	17	.	.	PUNCT
fsr-3464	838	1	from	from	ADP
fsr-3464	838	2	our	our	PRON
fsr-3464	838	3	analysis	analysis	NOUN
fsr-3464	838	4	,	,	PUNCT
fsr-3464	838	5	it	it	PRON
fsr-3464	838	6	is	be	AUX
fsr-3464	838	7	apparent	apparent	ADJ
fsr-3464	838	8	that	that	SCONJ
fsr-3464	838	9	most	most	ADJ
fsr-3464	838	10	,	,	PUNCT
fsr-3464	838	11	if	if	SCONJ
fsr-3464	838	12	not	not	PART
fsr-3464	838	13	all	all	PRON
fsr-3464	838	14	,	,	PUNCT
fsr-3464	838	15	of	of	ADP
fsr-3464	838	16	the	the	DET
fsr-3464	838	17	fees	fee	NOUN
fsr-3464	838	18	paid	pay	VERB
fsr-3464	838	19	to	to	ADP
fsr-3464	838	20	high	high	ADJ
fsr-3464	838	21	-	-	PUNCT
fsr-3464	838	22	cost	cost	NOUN
fsr-3464	838	23	lenders	lender	NOUN
fsr-3464	838	24	are	be	AUX
fsr-3464	838	25	from	from	ADP
fsr-3464	838	26	individuals	individual	NOUN
fsr-3464	838	27	with	with	ADP
fsr-3464	838	28	low	low	ADJ
fsr-3464	838	29	levels	level	NOUN
fsr-3464	838	30	of	of	ADP
fsr-3464	838	31	financial	financial	ADJ
fsr-3464	838	32	literacy	literacy	NOUN
fsr-3464	838	33	.	.	PUNCT
fsr-3464	839	1	therefore	therefore	ADV
fsr-3464	839	2	,	,	PUNCT
fsr-3464	839	3	there	there	PRON
fsr-3464	839	4	is	be	VERB
fsr-3464	839	5	a	a	DET
fsr-3464	839	6	need	need	NOUN
fsr-3464	839	7	for	for	ADP
fsr-3464	839	8	greater	great	ADJ
fsr-3464	839	9	financial	financial	ADJ
fsr-3464	839	10	education	education	NOUN
fsr-3464	839	11	and	and	CCONJ
fsr-3464	839	12	financial	financial	ADJ
fsr-3464	839	13	literacy	literacy	NOUN
fsr-3464	839	14	among	among	ADP
fsr-3464	839	15	groups	group	NOUN
fsr-3464	839	16	more	more	ADV
fsr-3464	839	17	likely	likely	ADJ
fsr-3464	839	18	to	to	PART
fsr-3464	839	19	use	use	VERB
fsr-3464	839	20	these	these	DET
fsr-3464	839	21	types	type	NOUN
fsr-3464	839	22	of	of	ADP
fsr-3464	839	23	high	high	ADJ
fsr-3464	839	24	-	-	PUNCT
fsr-3464	839	25	interest	interest	NOUN
fsr-3464	839	26	loans	loan	NOUN
fsr-3464	839	27	.	.	PUNCT
fsr-3464	840	1	payday	payday	NOUN
fsr-3464	840	2	and	and	CCONJ
fsr-3464	840	3	auto	auto	NOUN
fsr-3464	840	4	title	title	NOUN
fsr-3464	840	5	loan	loan	NOUN
fsr-3464	840	6	companies	company	NOUN
fsr-3464	840	7	argue	argue	VERB
fsr-3464	840	8	that	that	SCONJ
fsr-3464	840	9	they	they	PRON
fsr-3464	840	10	provide	provide	VERB
fsr-3464	840	11	a	a	DET
fsr-3464	840	12	service	service	NOUN
fsr-3464	840	13	for	for	ADP
fsr-3464	840	14	the	the	DET
fsr-3464	840	15	underserved	underserved	ADJ
fsr-3464	840	16	.	.	PUNCT
fsr-3464	841	1	although	although	SCONJ
fsr-3464	841	2	we	we	PRON
fsr-3464	841	3	do	do	AUX
fsr-3464	841	4	not	not	PART
fsr-3464	841	5	argue	argue	VERB
fsr-3464	841	6	that	that	SCONJ
fsr-3464	841	7	they	they	PRON
fsr-3464	841	8	provide	provide	VERB
fsr-3464	841	9	a	a	DET
fsr-3464	841	10	needed	need	VERB
fsr-3464	841	11	service	service	NOUN
fsr-3464	841	12	,	,	PUNCT
fsr-3464	841	13	there	there	PRON
fsr-3464	841	14	is	be	VERB
fsr-3464	841	15	evidence	evidence	NOUN
fsr-3464	841	16	that	that	SCONJ
fsr-3464	841	17	they	they	PRON
fsr-3464	841	18	are	be	AUX
fsr-3464	841	19	hurting	hurt	VERB
fsr-3464	841	20	those	those	PRON
fsr-3464	841	21	they	they	PRON
fsr-3464	841	22	claim	claim	VERB
fsr-3464	841	23	to	to	PART
fsr-3464	841	24	help	help	VERB
fsr-3464	841	25	.	.	PUNCT
fsr-3464	842	1	we	we	PRON
fsr-3464	842	2	agree	agree	VERB
fsr-3464	842	3	with	with	ADP
fsr-3464	842	4	the	the	DET
fsr-3464	842	5	recommendation	recommendation	NOUN
fsr-3464	842	6	by	by	ADP
fsr-3464	842	7	the	the	DET
fsr-3464	842	8	consumer	consumer	NOUN
fsr-3464	842	9	financial	financial	PROPN
fsr-3464	842	10	protection	protection	PROPN
fsr-3464	842	11	bureau	bureau	PROPN
fsr-3464	842	12	to	to	PART
fsr-3464	842	13	cap	cap	VERB
fsr-3464	842	14	repayment	repayment	NOUN
fsr-3464	842	15	levels	level	NOUN
fsr-3464	842	16	,	,	PUNCT
fsr-3464	842	17	and	and	CCONJ
fsr-3464	842	18	clarify	clarify	VERB
fsr-3464	842	19	loan	loan	NOUN
fsr-3464	842	20	terms	term	NOUN
fsr-3464	842	21	,	,	PUNCT
fsr-3464	842	22	but	but	CCONJ
fsr-3464	842	23	we	we	PRON
fsr-3464	842	24	also	also	ADV
fsr-3464	842	25	add	add	VERB
fsr-3464	842	26	that	that	SCONJ
fsr-3464	842	27	these	these	DET
fsr-3464	842	28	lenders	lender	NOUN
fsr-3464	842	29	can	can	AUX
fsr-3464	842	30	be	be	AUX
fsr-3464	842	31	a	a	DET
fsr-3464	842	32	catalyst	catalyst	NOUN
fsr-3464	842	33	for	for	ADP
fsr-3464	842	34	irresponsible	irresponsible	ADJ
fsr-3464	842	35	money	money	NOUN
fsr-3464	842	36	management	management	NOUN
fsr-3464	842	37	.	.	PUNCT
fsr-3464	843	1	312	312	NUM
fsr-3464	843	2	t.	t.	PROPN
fsr-3464	843	3	martin	martin	PROPN
fsr-3464	843	4	et	et	PROPN
fsr-3464	843	5	al	al	PROPN
fsr-3464	843	6	.	.	PUNCT
fsr-3464	843	7	/	/	SYM
fsr-3464	843	8	financial	financial	ADJ
fsr-3464	843	9	services	service	NOUN
fsr-3464	843	10	review	review	VERB
fsr-3464	843	11	29	29	NUM
fsr-3464	843	12	(	(	PUNCT
fsr-3464	843	13	2021	2021	NUM
fsr-3464	843	14	)	)	PUNCT
fsr-3464	844	1	293–314	293–314	NUM
fsr-3464	844	2	notes	note	NOUN
fsr-3464	844	3	1	1	NUM
fsr-3464	844	4	according	accord	VERB
fsr-3464	844	5	to	to	ADP
fsr-3464	844	6	vanguard	vanguard	PROPN
fsr-3464	844	7	’s	’s	PART
fsr-3464	844	8	2016	2016	NUM
fsr-3464	844	9	defined	define	VERB
fsr-3464	844	10	contribution	contribution	NOUN
fsr-3464	844	11	survey	survey	NOUN
fsr-3464	844	12	,	,	PUNCT
fsr-3464	844	13	in	in	ADP
fsr-3464	844	14	2015	2015	NUM
fsr-3464	844	15	,	,	PUNCT
fsr-3464	844	16	78	78	NUM
fsr-3464	844	17	%	%	NOUN
fsr-3464	844	18	of	of	ADP
fsr-3464	844	19	all	all	DET
fsr-3464	844	20	dc	dc	PROPN
fsr-3464	844	21	plans	plan	NOUN
fsr-3464	844	22	allowed	allow	VERB
fsr-3464	844	23	plan	plan	NOUN
fsr-3464	844	24	loans	loan	NOUN
fsr-3464	844	25	and	and	CCONJ
fsr-3464	844	26	84	84	NUM
fsr-3464	844	27	%	%	NOUN
fsr-3464	844	28	allowed	allow	VERB
fsr-3464	844	29	hardship	hardship	NOUN
fsr-3464	844	30	withdrawals	withdrawal	NOUN
fsr-3464	844	31	.	.	PUNCT
fsr-3464	845	1	2	2	NUM
fsr-3464	845	2	there	there	PRON
fsr-3464	845	3	are	be	VERB
fsr-3464	845	4	two	two	NUM
fsr-3464	845	5	other	other	ADJ
fsr-3464	845	6	forms	form	NOUN
fsr-3464	845	7	of	of	ADP
fsr-3464	845	8	defined	define	VERB
fsr-3464	845	9	contribution	contribution	NOUN
fsr-3464	845	10	leakage	leakage	NOUN
fsr-3464	845	11	,	,	PUNCT
fsr-3464	845	12	namely	namely	ADV
fsr-3464	845	13	cashouts	cashout	NOUN
fsr-3464	845	14	and	and	CCONJ
fsr-3464	845	15	inservice	inservice	NOUN
fsr-3464	845	16	withdrawals	withdrawal	NOUN
fsr-3464	845	17	.	.	PUNCT
fsr-3464	846	1	the	the	DET
fsr-3464	846	2	nfcs	nfcs	PROPN
fsr-3464	846	3	allows	allow	VERB
fsr-3464	846	4	us	we	PRON
fsr-3464	846	5	to	to	PART
fsr-3464	846	6	explore	explore	VERB
fsr-3464	846	7	in	in	ADP
fsr-3464	846	8	-	-	PUNCT
fsr-3464	846	9	service	service	NOUN
fsr-3464	846	10	withdrawals	withdrawal	NOUN
fsr-3464	846	11	further	far	ADV
fsr-3464	846	12	.	.	PUNCT
fsr-3464	847	1	3	3	NUM
fsr-3464	847	2	see	see	VERB
fsr-3464	847	3	yuh	yuh	PROPN
fsr-3464	847	4	and	and	CCONJ
fsr-3464	847	5	hanna	hanna	PROPN
fsr-3464	847	6	(	(	PUNCT
fsr-3464	847	7	2010	2010	NUM
fsr-3464	847	8	)	)	PUNCT
fsr-3464	847	9	for	for	ADP
fsr-3464	847	10	a	a	DET
fsr-3464	847	11	thorough	thorough	ADJ
fsr-3464	847	12	discussion	discussion	NOUN
fsr-3464	847	13	.	.	PUNCT
fsr-3464	848	1	references	reference	NOUN
fsr-3464	848	2	agarwal	agarwal	PROPN
fsr-3464	848	3	,	,	PUNCT
fsr-3464	848	4	s.	s.	PROPN
fsr-3464	848	5	,	,	PUNCT
fsr-3464	848	6	skiba	skiba	PROPN
fsr-3464	848	7	,	,	PUNCT
fsr-3464	848	8	p.	p.	NOUN
fsr-3464	848	9	m.	m.	NOUN
fsr-3464	848	10	,	,	PUNCT
fsr-3464	848	11	&	&	CCONJ
fsr-3464	848	12	tobacman	tobacman	NOUN
fsr-3464	848	13	,	,	PUNCT
fsr-3464	848	14	j.	j.	PROPN
fsr-3464	848	15	(	(	PUNCT
fsr-3464	848	16	2009	2009	NUM
fsr-3464	848	17	)	)	PUNCT
fsr-3464	848	18	.	.	PUNCT
fsr-3464	849	1	payday	payday	NOUN
fsr-3464	849	2	loans	loan	NOUN
fsr-3464	849	3	and	and	CCONJ
fsr-3464	849	4	credit	credit	NOUN
fsr-3464	849	5	cards	card	NOUN
fsr-3464	849	6	:	:	PUNCT
fsr-3464	849	7	new	new	ADJ
fsr-3464	849	8	liquidity	liquidity	NOUN
fsr-3464	849	9	and	and	CCONJ
fsr-3464	849	10	credit	credit	NOUN
fsr-3464	849	11	scoring	scoring	NOUN
fsr-3464	849	12	puzzles	puzzle	NOUN
fsr-3464	849	13	?	?	PUNCT
fsr-3464	850	1	(	(	PUNCT
fsr-3464	850	2	no	no	INTJ
fsr-3464	850	3	.	.	PUNCT
fsr-3464	850	4	w14659	w14659	NOUN
fsr-3464	850	5	)	)	PUNCT
fsr-3464	850	6	.	.	PUNCT
fsr-3464	851	1	cambridge	cambridge	PROPN
fsr-3464	851	2	,	,	PUNCT
fsr-3464	851	3	ma	ma	PROPN
fsr-3464	851	4	:	:	PUNCT
fsr-3464	851	5	national	national	PROPN
fsr-3464	851	6	bureau	bureau	PROPN
fsr-3464	851	7	of	of	ADP
fsr-3464	851	8	economic	economic	ADJ
fsr-3464	851	9	research	research	NOUN
fsr-3464	851	10	.	.	PUNCT
fsr-3464	852	1	allgood	allgood	PROPN
fsr-3464	852	2	,	,	PUNCT
fsr-3464	852	3	s.	s.	PROPN
fsr-3464	852	4	,	,	PUNCT
fsr-3464	852	5	&	&	CCONJ
fsr-3464	852	6	walstad	walstad	PROPN
fsr-3464	852	7	,	,	PUNCT
fsr-3464	852	8	w.	w.	PROPN
fsr-3464	852	9	(	(	PUNCT
fsr-3464	852	10	2013	2013	NUM
fsr-3464	852	11	)	)	PUNCT
fsr-3464	852	12	.	.	PUNCT
fsr-3464	853	1	financial	financial	ADJ
fsr-3464	853	2	literacy	literacy	NOUN
fsr-3464	853	3	and	and	CCONJ
fsr-3464	853	4	credit	credit	NOUN
fsr-3464	853	5	card	card	NOUN
fsr-3464	853	6	behaviors	behavior	NOUN
fsr-3464	853	7	:	:	PUNCT
fsr-3464	853	8	a	a	DET
fsr-3464	853	9	cross	cross	ADJ
fsr-3464	853	10	-	-	ADJ
fsr-3464	853	11	sectional	sectional	ADJ
fsr-3464	853	12	analysis	analysis	NOUN
fsr-3464	853	13	by	by	ADP
fsr-3464	853	14	age	age	NOUN
fsr-3464	853	15	.	.	PUNCT
fsr-3464	854	1	numeracy	numeracy	NOUN
fsr-3464	854	2	,	,	PUNCT
fsr-3464	854	3	6	6	NUM
fsr-3464	854	4	,	,	PUNCT
fsr-3464	854	5	3	3	NUM
fsr-3464	854	6	.	.	X
fsr-3464	854	7	argento	argento	PROPN
fsr-3464	854	8	,	,	PUNCT
fsr-3464	854	9	r.	r.	PROPN
fsr-3464	854	10	,	,	PUNCT
fsr-3464	854	11	bryant	bryant	PROPN
fsr-3464	854	12	,	,	PUNCT
fsr-3464	854	13	v.	v.	PROPN
fsr-3464	854	14	l.	l.	PROPN
fsr-3464	854	15	,	,	PUNCT
fsr-3464	854	16	&	&	CCONJ
fsr-3464	854	17	sabelhaus	sabelhaus	PROPN
fsr-3464	854	18	,	,	PUNCT
fsr-3464	854	19	j.	j.	PROPN
fsr-3464	854	20	(	(	PUNCT
fsr-3464	854	21	2015	2015	NUM
fsr-3464	854	22	)	)	PUNCT
fsr-3464	854	23	.	.	PUNCT
fsr-3464	855	1	early	early	ADJ
fsr-3464	855	2	withdrawals	withdrawal	NOUN
fsr-3464	855	3	from	from	ADP
fsr-3464	855	4	retirement	retirement	NOUN
fsr-3464	855	5	accounts	account	NOUN
fsr-3464	855	6	during	during	ADP
fsr-3464	855	7	the	the	DET
fsr-3464	855	8	great	great	ADJ
fsr-3464	855	9	recession	recession	NOUN
fsr-3464	855	10	.	.	PUNCT
fsr-3464	856	1	contemporary	contemporary	ADJ
fsr-3464	856	2	economic	economic	ADJ
fsr-3464	856	3	policy	policy	NOUN
fsr-3464	856	4	,	,	PUNCT
fsr-3464	856	5	33	33	NUM
fsr-3464	856	6	,	,	PUNCT
fsr-3464	856	7	1–16	1–16	PROPN
fsr-3464	856	8	.	.	PUNCT
fsr-3464	857	1	atkinson	atkinson	PROPN
fsr-3464	857	2	,	,	PUNCT
fsr-3464	857	3	a.	a.	PROPN
fsr-3464	857	4	,	,	PUNCT
fsr-3464	857	5	mckay	mckay	PROPN
fsr-3464	857	6	,	,	PUNCT
fsr-3464	857	7	s.	s.	PROPN
fsr-3464	857	8	,	,	PUNCT
fsr-3464	857	9	collard	collard	PROPN
fsr-3464	857	10	,	,	PUNCT
fsr-3464	857	11	s.	s.	PROPN
fsr-3464	857	12	,	,	PUNCT
fsr-3464	857	13	&	&	CCONJ
fsr-3464	857	14	kempson	kempson	PROPN
fsr-3464	857	15	,	,	PUNCT
fsr-3464	857	16	e.	e.	PROPN
fsr-3464	857	17	(	(	PUNCT
fsr-3464	857	18	2007	2007	NUM
fsr-3464	857	19	)	)	PUNCT
fsr-3464	857	20	.	.	PUNCT
fsr-3464	858	1	levels	level	NOUN
fsr-3464	858	2	of	of	ADP
fsr-3464	858	3	financial	financial	ADJ
fsr-3464	858	4	capability	capability	NOUN
fsr-3464	858	5	in	in	ADP
fsr-3464	858	6	the	the	DET
fsr-3464	858	7	uk	uk	PROPN
fsr-3464	858	8	.	.	PROPN
fsr-3464	858	9	public	public	ADJ
fsr-3464	858	10	money	money	NOUN
fsr-3464	858	11	and	and	CCONJ
fsr-3464	858	12	management	management	NOUN
fsr-3464	858	13	,	,	PUNCT
fsr-3464	858	14	27	27	NUM
fsr-3464	858	15	,	,	PUNCT
fsr-3464	858	16	29–36	29–36	NUM
fsr-3464	858	17	.	.	PUNCT
fsr-3464	858	18	beshears	beshear	NOUN
fsr-3464	858	19	,	,	PUNCT
fsr-3464	858	20	j.	j.	PROPN
fsr-3464	858	21	,	,	PUNCT
fsr-3464	858	22	choi	choi	PROPN
fsr-3464	858	23	,	,	PUNCT
fsr-3464	858	24	j.	j.	PROPN
fsr-3464	858	25	j.	j.	PROPN
fsr-3464	858	26	,	,	PUNCT
fsr-3464	858	27	hurwitz	hurwitz	PROPN
fsr-3464	858	28	,	,	PUNCT
fsr-3464	858	29	j.	j.	PROPN
fsr-3464	858	30	,	,	PUNCT
fsr-3464	858	31	laibson	laibson	PROPN
fsr-3464	858	32	,	,	PUNCT
fsr-3464	858	33	d.	d.	PROPN
fsr-3464	858	34	,	,	PUNCT
fsr-3464	858	35	&	&	CCONJ
fsr-3464	858	36	madrian	madrian	PROPN
fsr-3464	858	37	,	,	PUNCT
fsr-3464	858	38	b.	b.	PROPN
fsr-3464	858	39	c.	c.	PROPN
fsr-3464	858	40	(	(	PUNCT
fsr-3464	858	41	2015	2015	NUM
fsr-3464	858	42	)	)	PUNCT
fsr-3464	858	43	.	.	PUNCT
fsr-3464	859	1	liquidity	liquidity	NOUN
fsr-3464	859	2	in	in	ADP
fsr-3464	859	3	retirement	retirement	NOUN
fsr-3464	859	4	savings	saving	NOUN
fsr-3464	859	5	systems	system	NOUN
fsr-3464	859	6	:	:	PUNCT
fsr-3464	859	7	an	an	DET
fsr-3464	859	8	international	international	ADJ
fsr-3464	859	9	comparison	comparison	NOUN
fsr-3464	859	10	.	.	PUNCT
fsr-3464	860	1	the	the	DET
fsr-3464	860	2	american	american	PROPN
fsr-3464	860	3	economic	economic	PROPN
fsr-3464	860	4	treview	treview	NOUN
fsr-3464	860	5	,	,	PUNCT
fsr-3464	860	6	105	105	NUM
fsr-3464	860	7	,	,	PUNCT
fsr-3464	860	8	420–425	420–425	NUM
fsr-3464	860	9	.	.	PUNCT
fsr-3464	861	1	bertaut	bertaut	PROPN
fsr-3464	861	2	,	,	PUNCT
fsr-3464	861	3	c.	c.	PROPN
fsr-3464	861	4	,	,	PUNCT
fsr-3464	861	5	&	&	CCONJ
fsr-3464	861	6	haliassos	haliassos	NOUN
fsr-3464	861	7	,	,	PUNCT
fsr-3464	861	8	m.	m.	NOUN
fsr-3464	861	9	(	(	PUNCT
fsr-3464	861	10	2006	2006	NUM
fsr-3464	861	11	)	)	PUNCT
fsr-3464	861	12	.	.	PUNCT
fsr-3464	862	1	credit	credit	NOUN
fsr-3464	862	2	cards	card	NOUN
fsr-3464	862	3	:	:	PUNCT
fsr-3464	862	4	facts	fact	NOUN
fsr-3464	862	5	and	and	CCONJ
fsr-3464	862	6	theories	theory	NOUN
fsr-3464	862	7	.	.	PUNCT
fsr-3464	863	1	in	in	ADP
fsr-3464	863	2	g.	g.	PROPN
fsr-3464	863	3	bertola	bertola	PROPN
fsr-3464	863	4	,	,	PUNCT
fsr-3464	863	5	r.	r.	PROPN
fsr-3464	863	6	disney	disney	PROPN
fsr-3464	863	7	,	,	PUNCT
fsr-3464	863	8	&	&	CCONJ
fsr-3464	863	9	c.	c.	PROPN
fsr-3464	863	10	grant	grant	PROPN
fsr-3464	863	11	(	(	PUNCT
fsr-3464	863	12	eds	ed	NOUN
fsr-3464	863	13	.	.	PUNCT
fsr-3464	863	14	)	)	PUNCT
fsr-3464	863	15	,	,	PUNCT
fsr-3464	863	16	the	the	DET
fsr-3464	863	17	economics	economic	NOUN
fsr-3464	863	18	of	of	ADP
fsr-3464	863	19	consumer	consumer	NOUN
fsr-3464	863	20	credit	credit	NOUN
fsr-3464	863	21	(	(	PUNCT
fsr-3464	863	22	pp	pp	ADJ
fsr-3464	863	23	.	.	PUNCT
fsr-3464	864	1	181–238	181–238	NUM
fsr-3464	864	2	)	)	PUNCT
fsr-3464	864	3	.	.	PUNCT
fsr-3464	865	1	cambridge	cambridge	PROPN
fsr-3464	865	2	,	,	PUNCT
fsr-3464	865	3	ma	ma	PROPN
fsr-3464	865	4	:	:	PUNCT
fsr-3464	865	5	mit	mit	PROPN
fsr-3464	865	6	press	press	NOUN
fsr-3464	865	7	.	.	PUNCT
fsr-3464	866	1	bernheim	bernheim	PROPN
fsr-3464	866	2	,	,	PUNCT
fsr-3464	866	3	d.	d.	PROPN
fsr-3464	866	4	d.	d.	PROPN
fsr-3464	866	5	(	(	PUNCT
fsr-3464	866	6	1998	1998	NUM
fsr-3464	866	7	)	)	PUNCT
fsr-3464	866	8	.	.	PUNCT
fsr-3464	867	1	financial	financial	ADJ
fsr-3464	867	2	illiteracy	illiteracy	PROPN
fsr-3464	867	3	,	,	PUNCT
fsr-3464	867	4	education	education	NOUN
fsr-3464	867	5	,	,	PUNCT
fsr-3464	867	6	and	and	CCONJ
fsr-3464	867	7	retirement	retirement	NOUN
fsr-3464	867	8	saving	saving	NOUN
fsr-3464	867	9	(	(	PUNCT
fsr-3464	867	10	no	no	INTJ
fsr-3464	867	11	.	.	NOUN
fsr-3464	868	1	96	96	NUM
fsr-3464	868	2	-	-	SYM
fsr-3464	868	3	97	97	NUM
fsr-3464	868	4	)	)	PUNCT
fsr-3464	868	5	.	.	PUNCT
fsr-3464	869	1	philadelphia	philadelphia	PROPN
fsr-3464	869	2	,	,	PUNCT
fsr-3464	869	3	pa	pa	PROPN
fsr-3464	869	4	:	:	PUNCT
fsr-3464	869	5	wharton	wharton	PROPN
fsr-3464	869	6	school	school	NOUN
fsr-3464	869	7	pension	pension	NOUN
fsr-3464	869	8	research	research	NOUN
fsr-3464	869	9	council	council	PROPN
fsr-3464	869	10	,	,	PUNCT
fsr-3464	869	11	university	university	PROPN
fsr-3464	869	12	of	of	ADP
fsr-3464	869	13	pennsylvania	pennsylvania	PROPN
fsr-3464	869	14	.	.	PUNCT
fsr-3464	870	1	brady	brady	PROPN
fsr-3464	870	2	,	,	PUNCT
fsr-3464	870	3	p.	p.	NOUN
fsr-3464	870	4	(	(	PUNCT
fsr-3464	870	5	2011	2011	NUM
fsr-3464	870	6	)	)	PUNCT
fsr-3464	870	7	.	.	PUNCT
fsr-3464	871	1	the	the	DET
fsr-3464	871	2	role	role	NOUN
fsr-3464	871	3	of	of	ADP
fsr-3464	871	4	iras	ira	NOUN
fsr-3464	871	5	in	in	ADP
fsr-3464	871	6	the	the	DET
fsr-3464	871	7	retirement	retirement	NOUN
fsr-3464	871	8	income	income	NOUN
fsr-3464	871	9	process	process	NOUN
fsr-3464	871	10	.	.	PUNCT
fsr-3464	872	1	washington	washington	PROPN
fsr-3464	872	2	,	,	PUNCT
fsr-3464	872	3	dc	dc	PROPN
fsr-3464	872	4	:	:	PUNCT
fsr-3464	872	5	investment	investment	NOUN
fsr-3464	872	6	company	company	PROPN
fsr-3464	872	7	institute	institute	PROPN
fsr-3464	872	8	.	.	PUNCT
fsr-3464	873	1	butrica	butrica	PROPN
fsr-3464	873	2	,	,	PUNCT
fsr-3464	873	3	b.	b.	PROPN
fsr-3464	873	4	a.	a.	PROPN
fsr-3464	873	5	,	,	PUNCT
fsr-3464	873	6	zedlewski	zedlewski	NOUN
fsr-3464	873	7	,	,	PUNCT
fsr-3464	873	8	s.	s.	PROPN
fsr-3464	873	9	r.	r.	PROPN
fsr-3464	873	10	,	,	PUNCT
fsr-3464	873	11	&	&	CCONJ
fsr-3464	873	12	issa	issa	PROPN
fsr-3464	873	13	,	,	PUNCT
fsr-3464	873	14	p.	p.	NOUN
fsr-3464	873	15	(	(	PUNCT
fsr-3464	873	16	2010	2010	NUM
fsr-3464	873	17	)	)	PUNCT
fsr-3464	873	18	.	.	PUNCT
fsr-3464	874	1	understanding	understand	VERB
fsr-3464	874	2	early	early	ADJ
fsr-3464	874	3	withdrawals	withdrawal	NOUN
fsr-3464	874	4	from	from	ADP
fsr-3464	874	5	retirement	retirement	NOUN
fsr-3464	874	6	accounts	account	NOUN
fsr-3464	874	7	.	.	PUNCT
fsr-3464	875	1	washington	washington	PROPN
fsr-3464	875	2	,	,	PUNCT
fsr-3464	875	3	dc	dc	PROPN
fsr-3464	875	4	:	:	PUNCT
fsr-3464	875	5	the	the	DET
fsr-3464	875	6	urban	urban	PROPN
fsr-3464	875	7	institute	institute	PROPN
fsr-3464	875	8	.	.	PUNCT
fsr-3464	876	1	campbell	campbell	PROPN
fsr-3464	876	2	,	,	PUNCT
fsr-3464	876	3	j.	j.	PROPN
fsr-3464	876	4	y.	y.	PROPN
fsr-3464	876	5	(	(	PUNCT
fsr-3464	876	6	2006	2006	NUM
fsr-3464	876	7	)	)	PUNCT
fsr-3464	876	8	.	.	PUNCT
fsr-3464	877	1	household	household	NOUN
fsr-3464	877	2	finance	finance	NOUN
fsr-3464	877	3	.	.	PUNCT
fsr-3464	878	1	the	the	DET
fsr-3464	878	2	journal	journal	PROPN
fsr-3464	878	3	of	of	ADP
fsr-3464	878	4	finance	finance	NOUN
fsr-3464	878	5	,	,	PUNCT
fsr-3464	878	6	61	61	NUM
fsr-3464	878	7	,	,	PUNCT
fsr-3464	878	8	1553–1604	1553–1604	NUM
fsr-3464	878	9	.	.	PUNCT
fsr-3464	879	1	copeland	copeland	PROPN
fsr-3464	879	2	,	,	PUNCT
fsr-3464	879	3	c.	c.	PROPN
fsr-3464	879	4	(	(	PUNCT
fsr-3464	879	5	2009	2009	NUM
fsr-3464	879	6	)	)	PUNCT
fsr-3464	879	7	.	.	PUNCT
fsr-3464	880	1	lump	lump	NOUN
fsr-3464	880	2	-	-	PUNCT
fsr-3464	880	3	sum	sum	NOUN
fsr-3464	880	4	distributions	distribution	NOUN
fsr-3464	880	5	at	at	ADP
fsr-3464	880	6	job	job	NOUN
fsr-3464	880	7	change	change	NOUN
fsr-3464	880	8	.	.	PUNCT
fsr-3464	881	1	ebri	ebri	NOUN
fsr-3464	881	2	notes	note	NOUN
fsr-3464	881	3	,	,	PUNCT
fsr-3464	881	4	30(1	30(1	NUM
fsr-3464	881	5	)	)	PUNCT
fsr-3464	881	6	,	,	PUNCT
fsr-3464	881	7	1–12	1–12	NOUN
fsr-3464	881	8	.	.	PUNCT
fsr-3464	882	1	disney	disney	PROPN
fsr-3464	882	2	,	,	PUNCT
fsr-3464	882	3	r.	r.	PROPN
fsr-3464	882	4	,	,	PUNCT
fsr-3464	882	5	&	&	CCONJ
fsr-3464	882	6	gathergood	gathergood	PROPN
fsr-3464	882	7	,	,	PUNCT
fsr-3464	882	8	j.	j.	PROPN
fsr-3464	882	9	(	(	PUNCT
fsr-3464	882	10	2012	2012	NUM
fsr-3464	882	11	)	)	PUNCT
fsr-3464	882	12	.	.	PUNCT
fsr-3464	883	1	financial	financial	ADJ
fsr-3464	883	2	literacy	literacy	NOUN
fsr-3464	883	3	and	and	CCONJ
fsr-3464	883	4	consumer	consumer	NOUN
fsr-3464	883	5	credit	credit	NOUN
fsr-3464	883	6	use	use	NOUN
fsr-3464	883	7	(	(	PUNCT
fsr-3464	883	8	no	no	INTJ
fsr-3464	883	9	.	.	PUNCT
fsr-3464	883	10	12/01	12/01	NUM
fsr-3464	883	11	)	)	PUNCT
fsr-3464	883	12	.	.	PUNCT
fsr-3464	884	1	nottingham	nottingham	PROPN
fsr-3464	884	2	:	:	PUNCT
fsr-3464	884	3	university	university	NOUN
fsr-3464	884	4	of	of	ADP
fsr-3464	884	5	nottingham	nottingham	PROPN
fsr-3464	884	6	,	,	PUNCT
fsr-3464	884	7	centre	centre	NOUN
fsr-3464	884	8	for	for	ADP
fsr-3464	884	9	finance	finance	NOUN
fsr-3464	884	10	,	,	PUNCT
fsr-3464	884	11	credit	credit	NOUN
fsr-3464	884	12	and	and	CCONJ
fsr-3464	884	13	macroeconomics	macroeconomic	NOUN
fsr-3464	884	14	(	(	PUNCT
fsr-3464	884	15	cfcm	cfcm	PROPN
fsr-3464	884	16	)	)	PUNCT
fsr-3464	884	17	.	.	PUNCT
fsr-3464	885	1	fellowes	fellowe	NOUN
fsr-3464	885	2	,	,	PUNCT
fsr-3464	885	3	m.	m.	NOUN
fsr-3464	885	4	,	,	PUNCT
fsr-3464	885	5	&	&	CCONJ
fsr-3464	885	6	willemin	willemin	PROPN
fsr-3464	885	7	,	,	PUNCT
fsr-3464	885	8	k.	k.	PROPN
fsr-3464	885	9	(	(	PUNCT
fsr-3464	885	10	2013	2013	NUM
fsr-3464	885	11	)	)	PUNCT
fsr-3464	885	12	.	.	PUNCT
fsr-3464	886	1	the	the	DET
fsr-3464	886	2	retirement	retirement	NOUN
fsr-3464	886	3	breach	breach	NOUN
fsr-3464	886	4	in	in	ADP
fsr-3464	886	5	defined	define	VERB
fsr-3464	886	6	contribution	contribution	NOUN
fsr-3464	886	7	plans	plan	NOUN
fsr-3464	886	8	:	:	PUNCT
fsr-3464	886	9	size	size	NOUN
fsr-3464	886	10	,	,	PUNCT
fsr-3464	886	11	causes	cause	NOUN
fsr-3464	886	12	,	,	PUNCT
fsr-3464	886	13	and	and	CCONJ
fsr-3464	886	14	solutions.washington	solutions.washington	PROPN
fsr-3464	886	15	,	,	PUNCT
fsr-3464	886	16	dc	dc	PROPN
fsr-3464	886	17	:	:	PUNCT
fsr-3464	886	18	hello	hello	INTJ
fsr-3464	886	19	wallet	wallet	NOUN
fsr-3464	886	20	.	.	PUNCT
fsr-3464	887	1	the	the	DET
fsr-3464	887	2	federal	federal	PROPN
fsr-3464	887	3	reserve	reserve	PROPN
fsr-3464	887	4	bank	bank	PROPN
fsr-3464	887	5	of	of	ADP
fsr-3464	887	6	new	new	PROPN
fsr-3464	887	7	york	york	PROPN
fsr-3464	887	8	.	.	PUNCT
fsr-3464	888	1	(	(	PUNCT
fsr-3464	888	2	2017	2017	NUM
fsr-3464	888	3	,	,	PUNCT
fsr-3464	888	4	february	february	PROPN
fsr-3464	888	5	16	16	NUM
fsr-3464	888	6	)	)	PUNCT
fsr-3464	888	7	.	.	PUNCT
fsr-3464	889	1	household	household	NOUN
fsr-3464	889	2	debt	debt	NOUN
fsr-3464	889	3	increases	increase	VERB
fsr-3464	889	4	substantially	substantially	ADV
fsr-3464	889	5	,	,	PUNCT
fsr-3464	889	6	approaching	approach	VERB
fsr-3464	889	7	previous	previous	ADJ
fsr-3464	889	8	peak	peak	NOUN
fsr-3464	889	9	.	.	PUNCT
fsr-3464	890	1	available	available	ADJ
fsr-3464	890	2	at	at	ADP
fsr-3464	890	3	https://www.newyorkfed.org/newsevents/news/research/2017/rp170216	https://www.newyorkfed.org/newsevents/news/research/2017/rp170216	PROPN
fsr-3464	890	4	finra	finra	PROPN
fsr-3464	890	5	(	(	PUNCT
fsr-3464	890	6	financial	financial	ADJ
fsr-3464	890	7	industry	industry	NOUN
fsr-3464	890	8	regulatory	regulatory	ADJ
fsr-3464	890	9	authority	authority	NOUN
fsr-3464	890	10	)	)	PUNCT
fsr-3464	890	11	.	.	PUNCT
fsr-3464	891	1	(	(	PUNCT
fsr-3464	891	2	2009	2009	NUM
fsr-3464	891	3	)	)	PUNCT
fsr-3464	891	4	.	.	PUNCT
fsr-3464	892	1	initial	initial	ADJ
fsr-3464	892	2	report	report	NOUN
fsr-3464	892	3	on	on	ADP
fsr-3464	892	4	the	the	DET
fsr-3464	892	5	national	national	PROPN
fsr-3464	892	6	survey	survey	PROPN
fsr-3464	892	7	component	component	NOUN
fsr-3464	892	8	of	of	ADP
fsr-3464	892	9	the	the	DET
fsr-3464	892	10	national	national	ADJ
fsr-3464	892	11	financial	financial	ADJ
fsr-3464	892	12	capacity	capacity	NOUN
fsr-3464	892	13	study	study	NOUN
fsr-3464	892	14	.	.	PUNCT
fsr-3464	893	1	washington	washington	PROPN
fsr-3464	893	2	,	,	PUNCT
fsr-3464	893	3	dc	dc	PROPN
fsr-3464	893	4	:	:	PUNCT
fsr-3464	893	5	finra	finra	PROPN
fsr-3464	893	6	investor	investor	PROPN
fsr-3464	893	7	education	education	PROPN
fsr-3464	893	8	foundation	foundation	PROPN
fsr-3464	893	9	.	.	PUNCT
fsr-3464	894	1	available	available	ADJ
fsr-3464	894	2	at	at	ADP
fsr-3464	894	3	http://www.finrafoundation.org/web/groups/foundation/@foundation/documents/foundation/p120536.pdf	http://www.finrafoundation.org/web/groups/foundation/@foundation/documents/foundation/p120536.pdf	PROPN
fsr-3464	894	4	gerardi	gerardi	PROPN
fsr-3464	894	5	,	,	PUNCT
fsr-3464	894	6	k.	k.	PROPN
fsr-3464	894	7	,	,	PUNCT
fsr-3464	894	8	goette	goette	NOUN
fsr-3464	894	9	,	,	PUNCT
fsr-3464	894	10	l.	l.	PROPN
fsr-3464	894	11	,	,	PUNCT
fsr-3464	894	12	&	&	CCONJ
fsr-3464	894	13	meier	meier	PROPN
fsr-3464	894	14	,	,	PUNCT
fsr-3464	894	15	s.	s.	PROPN
fsr-3464	894	16	(	(	PUNCT
fsr-3464	894	17	2013	2013	NUM
fsr-3464	894	18	)	)	PUNCT
fsr-3464	894	19	.	.	PUNCT
fsr-3464	895	1	numerical	numerical	ADJ
fsr-3464	895	2	ability	ability	NOUN
fsr-3464	895	3	predicts	predict	VERB
fsr-3464	895	4	mortgage	mortgage	NOUN
fsr-3464	895	5	default	default	NOUN
fsr-3464	895	6	.	.	PUNCT
fsr-3464	896	1	proceedings	proceeding	NOUN
fsr-3464	896	2	of	of	ADP
fsr-3464	896	3	the	the	DET
fsr-3464	896	4	national	national	PROPN
fsr-3464	896	5	academy	academy	PROPN
fsr-3464	896	6	of	of	ADP
fsr-3464	896	7	sciences	sciences	PROPN
fsr-3464	896	8	of	of	ADP
fsr-3464	896	9	the	the	DET
fsr-3464	896	10	united	united	PROPN
fsr-3464	896	11	states	states	PROPN
fsr-3464	896	12	of	of	ADP
fsr-3464	896	13	america	america	PROPN
fsr-3464	896	14	,	,	PUNCT
fsr-3464	896	15	110	110	NUM
fsr-3464	896	16	,	,	PUNCT
fsr-3464	896	17	11267–11271	11267–11271	NUM
fsr-3464	896	18	.	.	PUNCT
fsr-3464	897	1	hastings	hastings	PROPN
fsr-3464	897	2	,	,	PUNCT
fsr-3464	897	3	j.	j.	PROPN
fsr-3464	897	4	s.	s.	PROPN
fsr-3464	897	5	,	,	PUNCT
fsr-3464	897	6	&	&	CCONJ
fsr-3464	897	7	tejeda	tejeda	PROPN
fsr-3464	897	8	-	-	PUNCT
fsr-3464	897	9	ashton	ashton	PROPN
fsr-3464	897	10	,	,	PUNCT
fsr-3464	897	11	l.	l.	PROPN
fsr-3464	897	12	(	(	PUNCT
fsr-3464	897	13	2008	2008	NUM
fsr-3464	897	14	)	)	PUNCT
fsr-3464	897	15	.	.	PUNCT
fsr-3464	898	1	financial	financial	ADJ
fsr-3464	898	2	literacy	literacy	NOUN
fsr-3464	898	3	,	,	PUNCT
fsr-3464	898	4	information	information	NOUN
fsr-3464	898	5	,	,	PUNCT
fsr-3464	898	6	and	and	CCONJ
fsr-3464	898	7	demand	demand	NOUN
fsr-3464	898	8	elasticity	elasticity	NOUN
fsr-3464	898	9	:	:	PUNCT
fsr-3464	898	10	survey	survey	NOUN
fsr-3464	898	11	and	and	CCONJ
fsr-3464	898	12	experimental	experimental	ADJ
fsr-3464	898	13	evidence	evidence	NOUN
fsr-3464	898	14	from	from	ADP
fsr-3464	898	15	mexico	mexico	PROPN
fsr-3464	898	16	(	(	PUNCT
fsr-3464	898	17	no	no	INTJ
fsr-3464	898	18	.	.	PUNCT
fsr-3464	898	19	w14538	w14538	NOUN
fsr-3464	898	20	)	)	PUNCT
fsr-3464	898	21	.	.	PUNCT
fsr-3464	899	1	cambridge	cambridge	PROPN
fsr-3464	899	2	,	,	PUNCT
fsr-3464	899	3	ma	ma	PROPN
fsr-3464	899	4	:	:	PUNCT
fsr-3464	899	5	national	national	PROPN
fsr-3464	899	6	bureau	bureau	PROPN
fsr-3464	899	7	of	of	ADP
fsr-3464	899	8	economic	economic	ADJ
fsr-3464	899	9	research	research	NOUN
fsr-3464	899	10	.	.	PUNCT
fsr-3464	900	1	huston	huston	PROPN
fsr-3464	900	2	,	,	PUNCT
fsr-3464	900	3	s.	s.	PROPN
fsr-3464	900	4	j.	j.	PROPN
fsr-3464	900	5	,	,	PUNCT
fsr-3464	900	6	finke	finke	PROPN
fsr-3464	900	7	,	,	PUNCT
fsr-3464	900	8	m.	m.	NOUN
fsr-3464	900	9	s.	s.	PROPN
fsr-3464	900	10	,	,	PUNCT
fsr-3464	900	11	&	&	CCONJ
fsr-3464	900	12	smith	smith	PROPN
fsr-3464	900	13	,	,	PUNCT
fsr-3464	900	14	h.	h.	PROPN
fsr-3464	900	15	(	(	PUNCT
fsr-3464	900	16	2012	2012	NUM
fsr-3464	900	17	)	)	PUNCT
fsr-3464	900	18	.	.	PUNCT
fsr-3464	901	1	a	a	DET
fsr-3464	901	2	financial	financial	ADJ
fsr-3464	901	3	sophistication	sophistication	NOUN
fsr-3464	901	4	proxy	proxy	NOUN
fsr-3464	901	5	for	for	ADP
fsr-3464	901	6	the	the	DET
fsr-3464	901	7	survey	survey	NOUN
fsr-3464	901	8	of	of	ADP
fsr-3464	901	9	consumer	consumer	NOUN
fsr-3464	901	10	finances	finance	NOUN
fsr-3464	901	11	.	.	PUNCT
fsr-3464	902	1	applied	apply	VERB
fsr-3464	902	2	economics	economic	NOUN
fsr-3464	902	3	letters	letter	NOUN
fsr-3464	902	4	,	,	PUNCT
fsr-3464	902	5	19	19	NUM
fsr-3464	902	6	,	,	PUNCT
fsr-3464	902	7	1275–1278	1275–1278	NUM
fsr-3464	902	8	.	.	PUNCT
fsr-3464	903	1	lusardi	lusardi	PROPN
fsr-3464	903	2	,	,	PUNCT
fsr-3464	903	3	a.	a.	PROPN
fsr-3464	903	4	,	,	PUNCT
fsr-3464	903	5	&	&	CCONJ
fsr-3464	903	6	mitchell	mitchell	PROPN
fsr-3464	903	7	,	,	PUNCT
fsr-3464	903	8	o.	o.	PROPN
fsr-3464	903	9	s.	s.	PROPN
fsr-3464	903	10	(	(	PUNCT
fsr-3464	903	11	2007	2007	NUM
fsr-3464	903	12	)	)	PUNCT
fsr-3464	903	13	.	.	PUNCT
fsr-3464	904	1	baby	baby	NOUN
fsr-3464	904	2	boomer	boomer	PROPN
fsr-3464	904	3	retirement	retirement	PROPN
fsr-3464	904	4	security	security	PROPN
fsr-3464	904	5	:	:	PUNCT
fsr-3464	904	6	the	the	DET
fsr-3464	904	7	roles	role	NOUN
fsr-3464	904	8	of	of	ADP
fsr-3464	904	9	planning	planning	NOUN
fsr-3464	904	10	,	,	PUNCT
fsr-3464	904	11	financial	financial	ADJ
fsr-3464	904	12	literacy	literacy	NOUN
fsr-3464	904	13	,	,	PUNCT
fsr-3464	904	14	and	and	CCONJ
fsr-3464	904	15	housing	housing	NOUN
fsr-3464	904	16	wealth	wealth	NOUN
fsr-3464	904	17	.	.	PUNCT
fsr-3464	905	1	journal	journal	PROPN
fsr-3464	905	2	of	of	ADP
fsr-3464	905	3	monetary	monetary	ADJ
fsr-3464	905	4	economics	economic	NOUN
fsr-3464	905	5	,	,	PUNCT
fsr-3464	905	6	54	54	NUM
fsr-3464	905	7	,	,	PUNCT
fsr-3464	905	8	205–224	205–224	NUM
fsr-3464	905	9	.	.	PUNCT
fsr-3464	906	1	lusardi	lusardi	PROPN
fsr-3464	906	2	,	,	PUNCT
fsr-3464	906	3	a.	a.	PROPN
fsr-3464	906	4	,	,	PUNCT
fsr-3464	906	5	&	&	CCONJ
fsr-3464	906	6	mitchell	mitchell	PROPN
fsr-3464	906	7	,	,	PUNCT
fsr-3464	906	8	o.	o.	PROPN
fsr-3464	906	9	s.	s.	PROPN
fsr-3464	906	10	(	(	PUNCT
fsr-3464	906	11	2011	2011	NUM
fsr-3464	906	12	)	)	PUNCT
fsr-3464	906	13	.	.	PUNCT
fsr-3464	907	1	financial	financial	ADJ
fsr-3464	907	2	literacy	literacy	NOUN
fsr-3464	907	3	around	around	ADP
fsr-3464	907	4	the	the	DET
fsr-3464	907	5	world	world	NOUN
fsr-3464	907	6	:	:	PUNCT
fsr-3464	907	7	an	an	DET
fsr-3464	907	8	overview	overview	NOUN
fsr-3464	907	9	(	(	PUNCT
fsr-3464	907	10	no	no	INTJ
fsr-3464	907	11	.	.	PUNCT
fsr-3464	907	12	w17107	w17107	NOUN
fsr-3464	907	13	)	)	PUNCT
fsr-3464	907	14	.	.	PUNCT
fsr-3464	908	1	cambridge	cambridge	PROPN
fsr-3464	908	2	,	,	PUNCT
fsr-3464	908	3	ma	ma	PROPN
fsr-3464	908	4	:	:	PUNCT
fsr-3464	908	5	national	national	PROPN
fsr-3464	908	6	bureau	bureau	PROPN
fsr-3464	908	7	of	of	ADP
fsr-3464	908	8	economic	economic	ADJ
fsr-3464	908	9	research	research	NOUN
fsr-3464	908	10	.	.	PUNCT
fsr-3464	909	1	t.	t.	PROPN
fsr-3464	909	2	martin	martin	PROPN
fsr-3464	909	3	et	et	PROPN
fsr-3464	909	4	al	al	PROPN
fsr-3464	909	5	.	.	PUNCT
fsr-3464	909	6	/	/	SYM
fsr-3464	909	7	financial	financial	ADJ
fsr-3464	909	8	services	service	NOUN
fsr-3464	909	9	review	review	VERB
fsr-3464	909	10	29	29	NUM
fsr-3464	909	11	(	(	PUNCT
fsr-3464	909	12	2021	2021	NUM
fsr-3464	909	13	)	)	PUNCT
fsr-3464	909	14	293–314	293–314	NUM
fsr-3464	909	15	313	313	NUM
fsr-3464	909	16	lusardi	lusardi	NOUN
fsr-3464	909	17	,	,	PUNCT
fsr-3464	909	18	a.	a.	PROPN
fsr-3464	909	19	,	,	PUNCT
fsr-3464	909	20	&	&	CCONJ
fsr-3464	909	21	mitchell	mitchell	PROPN
fsr-3464	909	22	,	,	PUNCT
fsr-3464	909	23	o.	o.	PROPN
fsr-3464	909	24	s.	s.	PROPN
fsr-3464	909	25	(	(	PUNCT
fsr-3464	909	26	2014	2014	NUM
fsr-3464	909	27	)	)	PUNCT
fsr-3464	909	28	.	.	PUNCT
fsr-3464	910	1	the	the	DET
fsr-3464	910	2	economic	economic	ADJ
fsr-3464	910	3	importance	importance	NOUN
fsr-3464	910	4	of	of	ADP
fsr-3464	910	5	financial	financial	ADJ
fsr-3464	910	6	literacy	literacy	NOUN
fsr-3464	910	7	:	:	PUNCT
fsr-3464	910	8	theory	theory	NOUN
fsr-3464	910	9	and	and	CCONJ
fsr-3464	910	10	evidence	evidence	NOUN
fsr-3464	910	11	.	.	PUNCT
fsr-3464	911	1	journal	journal	NOUN
fsr-3464	911	2	of	of	ADP
fsr-3464	911	3	economic	economic	ADJ
fsr-3464	911	4	literature	literature	NOUN
fsr-3464	911	5	,	,	PUNCT
fsr-3464	911	6	52	52	NUM
fsr-3464	911	7	,	,	PUNCT
fsr-3464	911	8	5–44	5–44	PROPN
fsr-3464	911	9	.	.	PROPN
fsr-3464	911	10	lusardi	lusardi	PROPN
fsr-3464	911	11	,	,	PUNCT
fsr-3464	911	12	a.	a.	PROPN
fsr-3464	911	13	,	,	PUNCT
fsr-3464	911	14	&	&	CCONJ
fsr-3464	911	15	scheresberg	scheresberg	PROPN
fsr-3464	911	16	,	,	PUNCT
fsr-3464	911	17	c.	c.	PROPN
fsr-3464	911	18	d.	d.	PROPN
fsr-3464	911	19	b.	b.	PROPN
fsr-3464	911	20	(	(	PUNCT
fsr-3464	911	21	2013	2013	NUM
fsr-3464	911	22	)	)	PUNCT
fsr-3464	911	23	.	.	PUNCT
fsr-3464	912	1	financial	financial	ADJ
fsr-3464	912	2	literacy	literacy	NOUN
fsr-3464	912	3	and	and	CCONJ
fsr-3464	912	4	high	high	ADJ
fsr-3464	912	5	-	-	PUNCT
fsr-3464	912	6	cost	cost	NOUN
fsr-3464	912	7	borrowing	borrowing	NOUN
fsr-3464	912	8	in	in	ADP
fsr-3464	912	9	the	the	DET
fsr-3464	912	10	united	united	PROPN
fsr-3464	912	11	states	states	PROPN
fsr-3464	912	12	(	(	PUNCT
fsr-3464	912	13	no	no	INTJ
fsr-3464	912	14	.	.	PUNCT
fsr-3464	912	15	w18969	w18969	NOUN
fsr-3464	912	16	)	)	PUNCT
fsr-3464	912	17	.	.	PUNCT
fsr-3464	913	1	cambridge	cambridge	PROPN
fsr-3464	913	2	,	,	PUNCT
fsr-3464	913	3	ma	ma	PROPN
fsr-3464	913	4	:	:	PUNCT
fsr-3464	913	5	national	national	PROPN
fsr-3464	913	6	bureau	bureau	PROPN
fsr-3464	913	7	of	of	ADP
fsr-3464	913	8	economic	economic	ADJ
fsr-3464	913	9	research	research	NOUN
fsr-3464	913	10	lusardi	lusardi	PROPN
fsr-3464	913	11	,	,	PUNCT
fsr-3464	913	12	a.	a.	PROPN
fsr-3464	913	13	,	,	PUNCT
fsr-3464	913	14	&	&	CCONJ
fsr-3464	913	15	tufano	tufano	ADJ
fsr-3464	913	16	,	,	PUNCT
fsr-3464	913	17	p.	p.	NOUN
fsr-3464	913	18	(	(	PUNCT
fsr-3464	913	19	2015	2015	NUM
fsr-3464	913	20	)	)	PUNCT
fsr-3464	913	21	.	.	PUNCT
fsr-3464	914	1	debt	debt	NOUN
fsr-3464	914	2	literacy	literacy	NOUN
fsr-3464	914	3	,	,	PUNCT
fsr-3464	914	4	financial	financial	ADJ
fsr-3464	914	5	experience	experience	NOUN
fsr-3464	914	6	,	,	PUNCT
fsr-3464	914	7	and	and	CCONJ
fsr-3464	914	8	overindebtedness	overindebtedness	NOUN
fsr-3464	914	9	.	.	PUNCT
fsr-3464	915	1	journal	journal	NOUN
fsr-3464	915	2	of	of	ADP
fsr-3464	915	3	pension	pension	NOUN
fsr-3464	915	4	economics	economic	NOUN
fsr-3464	915	5	and	and	CCONJ
fsr-3464	915	6	finance	finance	NOUN
fsr-3464	915	7	,	,	PUNCT
fsr-3464	915	8	14	14	NUM
fsr-3464	915	9	,	,	PUNCT
fsr-3464	915	10	332–368	332–368	NUM
fsr-3464	915	11	.	.	PUNCT
fsr-3464	916	1	modigliani	modigliani	PROPN
fsr-3464	916	2	,	,	PUNCT
fsr-3464	916	3	f.	f.	PROPN
fsr-3464	916	4	,	,	PUNCT
fsr-3464	916	5	&	&	CCONJ
fsr-3464	916	6	brumberg	brumberg	PROPN
fsr-3464	916	7	,	,	PUNCT
fsr-3464	916	8	r.	r.	PROPN
fsr-3464	916	9	(	(	PUNCT
fsr-3464	916	10	1954	1954	NUM
fsr-3464	916	11	)	)	PUNCT
fsr-3464	916	12	.	.	PUNCT
fsr-3464	917	1	utility	utility	NOUN
fsr-3464	917	2	analysis	analysis	NOUN
fsr-3464	917	3	and	and	CCONJ
fsr-3464	917	4	the	the	DET
fsr-3464	917	5	consumption	consumption	NOUN
fsr-3464	917	6	function	function	NOUN
fsr-3464	917	7	:	:	PUNCT
fsr-3464	917	8	an	an	DET
fsr-3464	917	9	interpretation	interpretation	NOUN
fsr-3464	917	10	of	of	ADP
fsr-3464	917	11	cross	cross	ADJ
fsr-3464	917	12	-	-	ADJ
fsr-3464	917	13	section	section	ADJ
fsr-3464	917	14	data	datum	NOUN
fsr-3464	917	15	.	.	PUNCT
fsr-3464	918	1	in	in	ADP
fsr-3464	918	2	k.	k.	PROPN
fsr-3464	918	3	k.	k.	PROPN
fsr-3464	918	4	kurihara	kurihara	PROPN
fsr-3464	918	5	(	(	PUNCT
fsr-3464	918	6	ed	ed	NOUN
fsr-3464	918	7	.	.	PUNCT
fsr-3464	918	8	)	)	PUNCT
fsr-3464	918	9	,	,	PUNCT
fsr-3464	918	10	post	post	ADJ
fsr-3464	918	11	-	-	ADJ
fsr-3464	918	12	keynesian	keynesian	ADJ
fsr-3464	918	13	economics	economic	NOUN
fsr-3464	918	14	(	(	PUNCT
fsr-3464	918	15	pp	pp	ADJ
fsr-3464	918	16	.	.	PUNCT
fsr-3464	918	17	388–436	388–436	NUM
fsr-3464	918	18	)	)	PUNCT
fsr-3464	918	19	.	.	PUNCT
fsr-3464	919	1	new	new	PROPN
fsr-3464	919	2	brunswick	brunswick	PROPN
fsr-3464	919	3	,	,	PUNCT
fsr-3464	919	4	nj	nj	PROPN
fsr-3464	919	5	:	:	PUNCT
fsr-3464	919	6	rutgers	rutgers	PROPN
fsr-3464	919	7	university	university	PROPN
fsr-3464	919	8	press	press	NOUN
fsr-3464	919	9	.	.	PUNCT
fsr-3464	920	1	munnell	munnell	PROPN
fsr-3464	920	2	,	,	PUNCT
fsr-3464	920	3	a.	a.	PROPN
fsr-3464	920	4	h.	h.	PROPN
fsr-3464	920	5	,	,	PUNCT
fsr-3464	920	6	&	&	CCONJ
fsr-3464	920	7	webb	webb	PROPN
fsr-3464	920	8	,	,	PUNCT
fsr-3464	920	9	a.	a.	NOUN
fsr-3464	920	10	(	(	PUNCT
fsr-3464	920	11	2015	2015	NUM
fsr-3464	920	12	)	)	PUNCT
fsr-3464	920	13	.	.	PUNCT
fsr-3464	921	1	the	the	DET
fsr-3464	921	2	impact	impact	NOUN
fsr-3464	921	3	of	of	ADP
fsr-3464	921	4	leakages	leakage	NOUN
fsr-3464	921	5	on	on	ADP
fsr-3464	921	6	401	401	NUM
fsr-3464	921	7	(	(	PUNCT
fsr-3464	921	8	k)/ira	k)/ira	PROPN
fsr-3464	921	9	assets	asset	NOUN
fsr-3464	921	10	.	.	PUNCT
fsr-3464	922	1	chestnut	chestnut	PROPN
fsr-3464	922	2	hill	hill	PROPN
fsr-3464	922	3	,	,	PUNCT
fsr-3464	922	4	ma	ma	PROPN
fsr-3464	922	5	:	:	PUNCT
fsr-3464	922	6	center	center	NOUN
fsr-3464	922	7	for	for	ADP
fsr-3464	922	8	retirement	retirement	NOUN
fsr-3464	922	9	research	research	NOUN
fsr-3464	922	10	at	at	ADP
fsr-3464	922	11	boston	boston	PROPN
fsr-3464	922	12	college	college	PROPN
fsr-3464	922	13	brief	brief	NOUN
fsr-3464	922	14	.	.	PUNCT
fsr-3464	923	1	tang	tang	PROPN
fsr-3464	923	2	,	,	PUNCT
fsr-3464	923	3	n.	n.	NOUN
fsr-3464	923	4	,	,	PUNCT
fsr-3464	923	5	&	&	CCONJ
fsr-3464	923	6	lu	lu	PROPN
fsr-3464	923	7	,	,	PUNCT
fsr-3464	923	8	t.	t.	PROPN
fsr-3464	923	9	(	(	PUNCT
fsr-3464	923	10	2014	2014	NUM
fsr-3464	923	11	)	)	PUNCT
fsr-3464	923	12	.	.	PUNCT
fsr-3464	924	1	are	be	AUX
fsr-3464	924	2	your	your	PRON
fsr-3464	924	3	clients	client	NOUN
fsr-3464	924	4	making	make	VERB
fsr-3464	924	5	the	the	DET
fsr-3464	924	6	right	right	ADJ
fsr-3464	924	7	loan	loan	NOUN
fsr-3464	924	8	choice	choice	NOUN
fsr-3464	924	9	?	?	PUNCT
fsr-3464	925	1	journal	journal	NOUN
fsr-3464	925	2	of	of	ADP
fsr-3464	925	3	financial	financial	ADJ
fsr-3464	925	4	planning	planning	NOUN
fsr-3464	925	5	,	,	PUNCT
fsr-3464	925	6	27	27	NUM
fsr-3464	925	7	,	,	PUNCT
fsr-3464	925	8	39–47	39–47	NUM
fsr-3464	925	9	.	.	PUNCT
fsr-3464	925	10	utkus	utkus	PROPN
fsr-3464	925	11	,	,	PUNCT
fsr-3464	925	12	s.	s.	PROPN
fsr-3464	925	13	p.	p.	PROPN
fsr-3464	925	14	,	,	PUNCT
fsr-3464	925	15	&	&	CCONJ
fsr-3464	925	16	young	young	PROPN
fsr-3464	925	17	,	,	PUNCT
fsr-3464	925	18	j.	j.	PROPN
fsr-3464	925	19	a.	a.	PROPN
fsr-3464	925	20	(	(	PUNCT
fsr-3464	925	21	2011	2011	NUM
fsr-3464	925	22	)	)	PUNCT
fsr-3464	925	23	.	.	PUNCT
fsr-3464	926	1	financial	financial	ADJ
fsr-3464	926	2	literacy	literacy	NOUN
fsr-3464	926	3	and	and	CCONJ
fsr-3464	926	4	401(k	401(k	NOUN
fsr-3464	926	5	)	)	PUNCT
fsr-3464	926	6	loans	loan	NOUN
fsr-3464	926	7	.	.	PUNCT
fsr-3464	927	1	in	in	ADP
fsr-3464	927	2	financial	financial	ADJ
fsr-3464	927	3	literacy	literacy	NOUN
fsr-3464	927	4	:	:	PUNCT
fsr-3464	927	5	implications	implication	NOUN
fsr-3464	927	6	for	for	ADP
fsr-3464	927	7	retirement	retirement	NOUN
fsr-3464	927	8	security	security	NOUN
fsr-3464	927	9	and	and	CCONJ
fsr-3464	927	10	the	the	DET
fsr-3464	927	11	financial	financial	ADJ
fsr-3464	927	12	marketplace	marketplace	NOUN
fsr-3464	927	13	(	(	PUNCT
fsr-3464	927	14	pp	pp	ADJ
fsr-3464	927	15	.	.	PUNCT
fsr-3464	928	1	59–75	59–75	NUM
fsr-3464	928	2	)	)	PUNCT
fsr-3464	928	3	.	.	PUNCT
fsr-3464	929	1	new	new	PROPN
fsr-3464	929	2	york	york	PROPN
fsr-3464	929	3	,	,	PUNCT
fsr-3464	929	4	ny	ny	PROPN
fsr-3464	929	5	:	:	PUNCT
fsr-3464	929	6	oxford	oxford	PROPN
fsr-3464	929	7	university	university	PROPN
fsr-3464	929	8	press	press	NOUN
fsr-3464	929	9	.	.	PUNCT
fsr-3464	930	1	van	van	PROPN
fsr-3464	930	2	rooij	rooij	NOUN
fsr-3464	930	3	,	,	PUNCT
fsr-3464	930	4	m.	m.	NOUN
fsr-3464	930	5	,	,	PUNCT
fsr-3464	930	6	lusardi	lusardi	PROPN
fsr-3464	930	7	,	,	PUNCT
fsr-3464	930	8	a.	a.	NOUN
fsr-3464	930	9	,	,	PUNCT
fsr-3464	930	10	&	&	CCONJ
fsr-3464	930	11	alessie	alessie	PROPN
fsr-3464	930	12	,	,	PUNCT
fsr-3464	930	13	r.	r.	PROPN
fsr-3464	930	14	(	(	PUNCT
fsr-3464	930	15	2011	2011	NUM
fsr-3464	930	16	)	)	PUNCT
fsr-3464	930	17	.	.	PUNCT
fsr-3464	931	1	financial	financial	ADJ
fsr-3464	931	2	literacy	literacy	NOUN
fsr-3464	931	3	and	and	CCONJ
fsr-3464	931	4	stock	stock	NOUN
fsr-3464	931	5	market	market	NOUN
fsr-3464	931	6	participation	participation	NOUN
fsr-3464	931	7	.	.	PUNCT
fsr-3464	932	1	journal	journal	NOUN
fsr-3464	932	2	of	of	ADP
fsr-3464	932	3	financial	financial	ADJ
fsr-3464	932	4	economics	economic	NOUN
fsr-3464	932	5	,	,	PUNCT
fsr-3464	932	6	101	101	NUM
fsr-3464	932	7	,	,	PUNCT
fsr-3464	932	8	449–472	449–472	NUM
fsr-3464	932	9	.	.	PUNCT
fsr-3464	933	1	yuh	yuh	PROPN
fsr-3464	933	2	,	,	PUNCT
fsr-3464	933	3	y.	y.	PROPN
fsr-3464	933	4	,	,	PUNCT
fsr-3464	933	5	&	&	CCONJ
fsr-3464	933	6	hanna	hanna	PROPN
fsr-3464	933	7	,	,	PUNCT
fsr-3464	933	8	s.	s.	PROPN
fsr-3464	933	9	d.	d.	PROPN
fsr-3464	933	10	(	(	PUNCT
fsr-3464	933	11	2010	2010	NUM
fsr-3464	933	12	)	)	PUNCT
fsr-3464	933	13	.	.	PUNCT
fsr-3464	934	1	which	which	DET
fsr-3464	934	2	households	household	NOUN
fsr-3464	934	3	think	think	VERB
fsr-3464	934	4	they	they	PRON
fsr-3464	934	5	save	save	VERB
fsr-3464	934	6	?	?	PUNCT
fsr-3464	935	1	journal	journal	NOUN
fsr-3464	935	2	of	of	ADP
fsr-3464	935	3	consumer	consumer	NOUN
fsr-3464	935	4	affairs	affair	NOUN
fsr-3464	935	5	,	,	PUNCT
fsr-3464	935	6	44	44	NUM
fsr-3464	935	7	,	,	PUNCT
fsr-3464	935	8	70–97	70–97	NUM
fsr-3464	935	9	.	.	PUNCT
fsr-3464	936	1	314	314	NUM
fsr-3464	936	2	t.	t.	PROPN
fsr-3464	936	3	martin	martin	PROPN
fsr-3464	936	4	et	et	PROPN
fsr-3464	936	5	al	al	PROPN
fsr-3464	936	6	.	.	PUNCT
fsr-3464	936	7	/	/	SYM
fsr-3464	936	8	financial	financial	ADJ
fsr-3464	936	9	services	service	NOUN
fsr-3464	936	10	review	review	VERB
fsr-3464	936	11	29	29	NUM
fsr-3464	936	12	(	(	PUNCT
fsr-3464	936	13	2021	2021	NUM
fsr-3464	936	14	)	)	PUNCT
fsr-3464	936	15	293–314	293–314	NUM