id	sid	tid	token	lemma	pos
fsr-3465	1	1	improving	improve	VERB
fsr-3465	1	2	collegiate	collegiate	ADJ
fsr-3465	1	3	financial	financial	ADJ
fsr-3465	1	4	literacy	literacy	NOUN
fsr-3465	1	5	via	via	ADP
fsr-3465	1	6	financial	financial	ADJ
fsr-3465	1	7	education	education	NOUN
fsr-3465	1	8	seminars	seminar	NOUN
fsr-3465	1	9	jonathan	jonathan	PROPN
fsr-3465	1	10	handya	handya	PROPN
fsr-3465	1	11	,	,	PUNCT
fsr-3465	1	12	beth	beth	PROPN
fsr-3465	1	13	pontarib	pontarib	PROPN
fsr-3465	1	14	,	,	PUNCT
fsr-3465	1	15	thomas	thomas	PROPN
fsr-3465	1	16	smythec	smythec	PROPN
fsr-3465	1	17	,	,	PUNCT
fsr-3465	1	18	suzy	suzy	PROPN
fsr-3465	1	19	summersd	summersd	PROPN
fsr-3465	1	20	,	,	PUNCT
fsr-3465	1	21	*	*	PUNCT
fsr-3465	1	22	adepartment	adepartment	NOUN
fsr-3465	1	23	of	of	ADP
fsr-3465	1	24	finance	finance	NOUN
fsr-3465	1	25	,	,	PUNCT
fsr-3465	1	26	western	western	ADJ
fsr-3465	1	27	kentucky	kentucky	PROPN
fsr-3465	1	28	university	university	PROPN
fsr-3465	1	29	,	,	PUNCT
fsr-3465	1	30	1906	1906	NUM
fsr-3465	1	31	college	college	NOUN
fsr-3465	1	32	heights	height	NOUN
fsr-3465	1	33	boulevard	boulevard	NOUN
fsr-3465	1	34	,	,	PUNCT
fsr-3465	1	35	bowling	bowling	NOUN
fsr-3465	1	36	green	green	NOUN
fsr-3465	1	37	,	,	PUNCT
fsr-3465	1	38	ky	ky	PROPN
fsr-3465	1	39	42101	42101	NUM
fsr-3465	1	40	,	,	PUNCT
fsr-3465	1	41	usa	usa	PROPN
fsr-3465	1	42	bdepartment	bdepartment	PROPN
fsr-3465	1	43	of	of	ADP
fsr-3465	1	44	psychology	psychology	PROPN
fsr-3465	1	45	,	,	PUNCT
fsr-3465	1	46	furman	furman	PROPN
fsr-3465	1	47	university	university	PROPN
fsr-3465	1	48	,	,	PUNCT
fsr-3465	1	49	3300	3300	NUM
fsr-3465	1	50	poinsett	poinsett	PROPN
fsr-3465	1	51	highway	highway	PROPN
fsr-3465	1	52	,	,	PUNCT
fsr-3465	1	53	greenville	greenville	PROPN
fsr-3465	1	54	,	,	PUNCT
fsr-3465	1	55	sc	sc	PROPN
fsr-3465	1	56	29607	29607	NUM
fsr-3465	1	57	,	,	PUNCT
fsr-3465	1	58	usa	usa	PROPN
fsr-3465	1	59	cdepartment	cdepartment	PROPN
fsr-3465	1	60	of	of	ADP
fsr-3465	1	61	economics	economic	NOUN
fsr-3465	1	62	and	and	CCONJ
fsr-3465	1	63	finance	finance	NOUN
fsr-3465	1	64	,	,	PUNCT
fsr-3465	1	65	florida	florida	PROPN
fsr-3465	1	66	gulf	gulf	PROPN
fsr-3465	1	67	coast	coast	PROPN
fsr-3465	1	68	university	university	PROPN
fsr-3465	1	69	,	,	PUNCT
fsr-3465	1	70	10501	10501	NUM
fsr-3465	1	71	fgcu	fgcu	PROPN
fsr-3465	1	72	boulevard	boulevard	PROPN
fsr-3465	1	73	south	south	PROPN
fsr-3465	1	74	,	,	PUNCT
fsr-3465	1	75	fort	fort	NOUN
fsr-3465	1	76	myers	myers	PROPN
fsr-3465	1	77	,	,	PUNCT
fsr-3465	1	78	fl	fl	PROPN
fsr-3465	1	79	33965	33965	NUM
fsr-3465	1	80	,	,	PUNCT
fsr-3465	1	81	usa	usa	PROPN
fsr-3465	1	82	ddepartment	ddepartment	NOUN
fsr-3465	1	83	of	of	ADP
fsr-3465	1	84	business	business	NOUN
fsr-3465	1	85	and	and	CCONJ
fsr-3465	1	86	accounting	accounting	NOUN
fsr-3465	1	87	,	,	PUNCT
fsr-3465	1	88	furman	furman	PROPN
fsr-3465	1	89	university	university	PROPN
fsr-3465	1	90	,	,	PUNCT
fsr-3465	1	91	3300	3300	NUM
fsr-3465	1	92	poinsett	poinsett	PROPN
fsr-3465	1	93	highway	highway	PROPN
fsr-3465	1	94	,	,	PUNCT
fsr-3465	1	95	greenville	greenville	PROPN
fsr-3465	1	96	,	,	PUNCT
fsr-3465	1	97	sc	sc	PROPN
fsr-3465	1	98	29607	29607	NUM
fsr-3465	1	99	,	,	PUNCT
fsr-3465	1	100	usa	usa	PROPN
fsr-3465	1	101	abstract	abstract	PROPN
fsr-3465	1	102	this	this	DET
fsr-3465	1	103	paper	paper	NOUN
fsr-3465	1	104	describes	describe	VERB
fsr-3465	1	105	a	a	DET
fsr-3465	1	106	personal	personal	ADJ
fsr-3465	1	107	finance	finance	NOUN
fsr-3465	1	108	program	program	NOUN
fsr-3465	1	109	(	(	PUNCT
fsr-3465	1	110	pfp	pfp	PROPN
fsr-3465	1	111	)	)	PUNCT
fsr-3465	1	112	developed	develop	VERB
fsr-3465	1	113	at	at	ADP
fsr-3465	1	114	a	a	DET
fsr-3465	1	115	private	private	ADJ
fsr-3465	1	116	liberal	liberal	ADJ
fsr-3465	1	117	arts	art	NOUN
fsr-3465	1	118	university	university	NOUN
fsr-3465	1	119	aimed	aim	VERB
fsr-3465	1	120	to	to	PART
fsr-3465	1	121	improve	improve	VERB
fsr-3465	1	122	financial	financial	ADJ
fsr-3465	1	123	literacy	literacy	NOUN
fsr-3465	1	124	.	.	PUNCT
fsr-3465	2	1	we	we	PRON
fsr-3465	2	2	provide	provide	VERB
fsr-3465	2	3	a	a	DET
fsr-3465	2	4	program	program	NOUN
fsr-3465	2	5	overview	overview	NOUN
fsr-3465	2	6	,	,	PUNCT
fsr-3465	2	7	with	with	ADP
fsr-3465	2	8	details	detail	NOUN
fsr-3465	2	9	about	about	ADP
fsr-3465	2	10	recruiting	recruiting	NOUN
fsr-3465	2	11	,	,	PUNCT
fsr-3465	2	12	program	program	NOUN
fsr-3465	2	13	structure	structure	NOUN
fsr-3465	2	14	,	,	PUNCT
fsr-3465	2	15	and	and	CCONJ
fsr-3465	2	16	curriculum	curriculum	NOUN
fsr-3465	2	17	.	.	PUNCT
fsr-3465	3	1	using	use	VERB
fsr-3465	3	2	a	a	DET
fsr-3465	3	3	multivariate	multivariate	NOUN
fsr-3465	3	4	framework	framework	NOUN
fsr-3465	3	5	,	,	PUNCT
fsr-3465	3	6	we	we	PRON
fsr-3465	3	7	examine	examine	VERB
fsr-3465	3	8	program	program	NOUN
fsr-3465	3	9	effectiveness	effectiveness	NOUN
fsr-3465	3	10	at	at	ADP
fsr-3465	3	11	improving	improve	VERB
fsr-3465	3	12	students	student	NOUN
fsr-3465	3	13	’	'	PUNCT
fsr-3465	3	14	financial	financial	ADJ
fsr-3465	3	15	knowledge	knowledge	NOUN
fsr-3465	3	16	and	and	CCONJ
fsr-3465	3	17	confidence	confidence	NOUN
fsr-3465	3	18	in	in	ADP
fsr-3465	3	19	their	their	PRON
fsr-3465	3	20	financial	financial	ADJ
fsr-3465	3	21	future	future	NOUN
fsr-3465	3	22	.	.	PUNCT
fsr-3465	4	1	our	our	PRON
fsr-3465	4	2	findings	finding	NOUN
fsr-3465	4	3	demonstrate	demonstrate	VERB
fsr-3465	4	4	that	that	SCONJ
fsr-3465	4	5	financial	financial	ADJ
fsr-3465	4	6	knowledge	knowledge	NOUN
fsr-3465	4	7	and	and	CCONJ
fsr-3465	4	8	confidence	confidence	NOUN
fsr-3465	4	9	improve	improve	NOUN
fsr-3465	4	10	.	.	PUNCT
fsr-3465	5	1	additionally	additionally	ADV
fsr-3465	5	2	,	,	PUNCT
fsr-3465	5	3	women	woman	NOUN
fsr-3465	5	4	(	(	PUNCT
fsr-3465	5	5	minorities	minority	NOUN
fsr-3465	5	6	)	)	PUNCT
fsr-3465	5	7	narrow	narrow	VERB
fsr-3465	5	8	their	their	PRON
fsr-3465	5	9	financial	financial	ADJ
fsr-3465	5	10	knowledge	knowledge	NOUN
fsr-3465	5	11	and	and	CCONJ
fsr-3465	5	12	confidence	confidence	NOUN
fsr-3465	5	13	gaps	gap	NOUN
fsr-3465	5	14	when	when	SCONJ
fsr-3465	5	15	compared	compare	VERB
fsr-3465	5	16	with	with	ADP
fsr-3465	5	17	men	man	NOUN
fsr-3465	5	18	(	(	PUNCT
fsr-3465	5	19	caucasians	caucasians	PROPN
fsr-3465	5	20	)	)	PUNCT
fsr-3465	5	21	and	and	CCONJ
fsr-3465	5	22	the	the	DET
fsr-3465	5	23	control	control	NOUN
fsr-3465	5	24	group	group	NOUN
fsr-3465	5	25	.	.	PUNCT
fsr-3465	6	1	finally	finally	ADV
fsr-3465	6	2	,	,	PUNCT
fsr-3465	6	3	follow	follow	VERB
fsr-3465	6	4	-	-	PUNCT
fsr-3465	6	5	up	up	ADP
fsr-3465	6	6	analyses	analysis	NOUN
fsr-3465	6	7	show	show	VERB
fsr-3465	6	8	that	that	SCONJ
fsr-3465	6	9	increases	increase	VERB
fsr-3465	6	10	in	in	ADP
fsr-3465	6	11	confidence	confidence	NOUN
fsr-3465	6	12	appear	appear	VERB
fsr-3465	6	13	justified	justified	ADJ
fsr-3465	6	14	(	(	PUNCT
fsr-3465	6	15	vs.	vs.	X
fsr-3465	6	16	misplaced	misplaced	ADJ
fsr-3465	6	17	)	)	PUNCT
fsr-3465	6	18	in	in	SCONJ
fsr-3465	6	19	that	that	SCONJ
fsr-3465	6	20	they	they	PRON
fsr-3465	6	21	are	be	AUX
fsr-3465	6	22	calibrated	calibrate	VERB
fsr-3465	6	23	to	to	PART
fsr-3465	6	24	increases	increase	NOUN
fsr-3465	6	25	in	in	ADP
fsr-3465	6	26	knowledge	knowledge	NOUN
fsr-3465	6	27	.	.	PUNCT
fsr-3465	7	1	©	©	PROPN
fsr-3465	7	2	2021	2021	NUM
fsr-3465	7	3	academy	academy	NOUN
fsr-3465	7	4	of	of	ADP
fsr-3465	7	5	financial	financial	ADJ
fsr-3465	7	6	services	service	NOUN
fsr-3465	7	7	.	.	PUNCT
fsr-3465	8	1	all	all	DET
fsr-3465	8	2	rights	right	NOUN
fsr-3465	8	3	reserved	reserve	VERB
fsr-3465	8	4	.	.	PUNCT
fsr-3465	9	1	jel	jel	PROPN
fsr-3465	9	2	classifications	classification	NOUN
fsr-3465	9	3	:	:	PUNCT
fsr-3465	9	4	g0	g0	ADJ
fsr-3465	9	5	;	;	PUNCT
fsr-3465	9	6	g5	g5	NOUN
fsr-3465	9	7	;	;	PUNCT
fsr-3465	9	8	i3	i3	NOUN
fsr-3465	9	9	keywords	keyword	NOUN
fsr-3465	9	10	:	:	PUNCT
fsr-3465	9	11	financial	financial	ADJ
fsr-3465	9	12	literacy	literacy	NOUN
fsr-3465	9	13	;	;	PUNCT
fsr-3465	9	14	education	education	NOUN
fsr-3465	9	15	;	;	PUNCT
fsr-3465	9	16	retirement	retirement	NOUN
fsr-3465	9	17	planning	planning	NOUN
fsr-3465	9	18	;	;	PUNCT
fsr-3465	9	19	personal	personal	ADJ
fsr-3465	9	20	finance	finance	NOUN
fsr-3465	9	21	1	1	NUM
fsr-3465	9	22	.	.	PUNCT
fsr-3465	9	23	introduction	introduction	NOUN
fsr-3465	9	24	as	as	SCONJ
fsr-3465	9	25	this	this	DET
fsr-3465	9	26	paper	paper	NOUN
fsr-3465	9	27	was	be	AUX
fsr-3465	9	28	being	be	AUX
fsr-3465	9	29	written	write	VERB
fsr-3465	9	30	,	,	PUNCT
fsr-3465	9	31	the	the	DET
fsr-3465	9	32	coronavirus	coronavirus	NOUN
fsr-3465	9	33	disease	disease	NOUN
fsr-3465	9	34	2019	2019	NUM
fsr-3465	9	35	(	(	PUNCT
fsr-3465	9	36	covid-19	covid-19	PROPN
fsr-3465	9	37	)	)	PUNCT
fsr-3465	9	38	pandemic	pandemic	NOUN
fsr-3465	9	39	was	be	AUX
fsr-3465	9	40	ravaging	ravage	VERB
fsr-3465	9	41	the	the	DET
fsr-3465	9	42	globe	globe	NOUN
fsr-3465	9	43	,	,	PUNCT
fsr-3465	9	44	bringing	bring	VERB
fsr-3465	9	45	with	with	ADP
fsr-3465	9	46	it	it	PRON
fsr-3465	9	47	not	not	PART
fsr-3465	9	48	only	only	ADV
fsr-3465	9	49	illness	illness	NOUN
fsr-3465	9	50	but	but	CCONJ
fsr-3465	9	51	significant	significant	ADJ
fsr-3465	9	52	economic	economic	ADJ
fsr-3465	9	53	uncertainty	uncertainty	NOUN
fsr-3465	9	54	.	.	PUNCT
fsr-3465	10	1	in	in	ADP
fsr-3465	10	2	*	*	PUNCT
fsr-3465	10	3	corresponding	correspond	VERB
fsr-3465	10	4	author	author	NOUN
fsr-3465	10	5	:	:	PUNCT
fsr-3465	10	6	tel	tel	PROPN
fsr-3465	10	7	.	.	PUNCT
fsr-3465	10	8	:	:	PUNCT
fsr-3465	11	1	+1	+1	PROPN
fsr-3465	11	2	-	-	PUNCT
fsr-3465	11	3	864	864	NUM
fsr-3465	11	4	-	-	PUNCT
fsr-3465	11	5	294	294	NUM
fsr-3465	11	6	-	-	SYM
fsr-3465	11	7	3313	3313	NUM
fsr-3465	11	8	email	email	NOUN
fsr-3465	11	9	address	address	NOUN
fsr-3465	11	10	:	:	PUNCT
fsr-3465	11	11	suzy.summers@furman.edu	suzy.summers@furman.edu	X
fsr-3465	11	12	1057	1057	NUM
fsr-3465	11	13	-	-	SYM
fsr-3465	11	14	0810/21/$	0810/21/$	NUM
fsr-3465	11	15	–	–	PUNCT
fsr-3465	11	16	see	see	VERB
fsr-3465	11	17	front	front	ADJ
fsr-3465	11	18	matter	matter	NOUN
fsr-3465	11	19	©	©	PROPN
fsr-3465	11	20	2021	2021	NUM
fsr-3465	11	21	academy	academy	NOUN
fsr-3465	11	22	of	of	ADP
fsr-3465	11	23	financial	financial	ADJ
fsr-3465	11	24	services	service	NOUN
fsr-3465	11	25	.	.	PUNCT
fsr-3465	12	1	all	all	DET
fsr-3465	12	2	rights	right	NOUN
fsr-3465	12	3	reserved	reserve	VERB
fsr-3465	12	4	.	.	PUNCT
fsr-3465	13	1	financial	financial	ADJ
fsr-3465	13	2	services	service	NOUN
fsr-3465	13	3	review	review	VERB
fsr-3465	13	4	29	29	NUM
fsr-3465	13	5	(	(	PUNCT
fsr-3465	13	6	2021	2021	NUM
fsr-3465	13	7	)	)	PUNCT
fsr-3465	14	1	315–341	315–341	NUM
fsr-3465	14	2	the	the	DET
fsr-3465	14	3	united	united	PROPN
fsr-3465	14	4	states	states	PROPN
fsr-3465	14	5	,	,	PUNCT
fsr-3465	14	6	state	state	NOUN
fsr-3465	14	7	and	and	CCONJ
fsr-3465	14	8	local	local	ADJ
fsr-3465	14	9	governments	government	NOUN
fsr-3465	14	10	closed	close	VERB
fsr-3465	14	11	businesses	business	NOUN
fsr-3465	14	12	deemed	deem	VERB
fsr-3465	14	13	“	"	PUNCT
fsr-3465	14	14	non	non	ADJ
fsr-3465	14	15	-	-	ADJ
fsr-3465	14	16	essential	essential	ADJ
fsr-3465	14	17	.	.	PUNCT
fsr-3465	14	18	”	"	PUNCT
fsr-3465	15	1	world	world	NOUN
fsr-3465	15	2	-	-	PUNCT
fsr-3465	15	3	wide	wide	ADJ
fsr-3465	15	4	responses	response	NOUN
fsr-3465	15	5	were	be	AUX
fsr-3465	15	6	similar	similar	ADJ
fsr-3465	15	7	,	,	PUNCT
fsr-3465	15	8	as	as	SCONJ
fsr-3465	15	9	countries	country	NOUN
fsr-3465	15	10	placed	place	VERB
fsr-3465	15	11	travel	travel	NOUN
fsr-3465	15	12	restrictions	restriction	NOUN
fsr-3465	15	13	on	on	ADP
fsr-3465	15	14	their	their	PRON
fsr-3465	15	15	citizens	citizen	NOUN
fsr-3465	15	16	and	and	CCONJ
fsr-3465	15	17	enacted	enact	VERB
fsr-3465	15	18	various	various	ADJ
fsr-3465	15	19	economic	economic	ADJ
fsr-3465	15	20	restrictions	restriction	NOUN
fsr-3465	15	21	(	(	PUNCT
fsr-3465	15	22	https://www.aljazeera.com/news/2020/03/	https://www.aljazeera.com/news/2020/03/	NOUN
fsr-3465	15	23	coronavirus	coronavirus	NOUN
fsr-3465	15	24	-	-	PUNCT
fsr-3465	15	25	travel	travel	NOUN
fsr-3465	15	26	-	-	PUNCT
fsr-3465	15	27	restrictions	restriction	NOUN
fsr-3465	15	28	-	-	PUNCT
fsr-3465	15	29	border	border	NOUN
fsr-3465	15	30	-	-	PUNCT
fsr-3465	15	31	shutdowns	shutdown	NOUN
fsr-3465	15	32	-	-	PUNCT
fsr-3465	15	33	country-200318091505922.html	country-200318091505922.html	NOUN
fsr-3465	15	34	)	)	PUNCT
fsr-3465	15	35	.	.	PUNCT
fsr-3465	16	1	the	the	DET
fsr-3465	16	2	closures	closure	NOUN
fsr-3465	16	3	brought	bring	VERB
fsr-3465	16	4	massive	massive	ADJ
fsr-3465	16	5	unemployment	unemployment	NOUN
fsr-3465	16	6	and	and	CCONJ
fsr-3465	16	7	income	income	NOUN
fsr-3465	16	8	loss	loss	NOUN
fsr-3465	16	9	.	.	PUNCT
fsr-3465	17	1	while	while	SCONJ
fsr-3465	17	2	much	much	ADJ
fsr-3465	17	3	about	about	ADP
fsr-3465	17	4	the	the	DET
fsr-3465	17	5	pandemic	pandemic	NOUN
fsr-3465	17	6	was	be	AUX
fsr-3465	17	7	and	and	CCONJ
fsr-3465	17	8	remains	remain	VERB
fsr-3465	17	9	uncertain	uncertain	ADJ
fsr-3465	17	10	,	,	PUNCT
fsr-3465	17	11	one	one	NUM
fsr-3465	17	12	consistent	consistent	ADJ
fsr-3465	17	13	issue	issue	NOUN
fsr-3465	17	14	was	be	AUX
fsr-3465	17	15	and	and	CCONJ
fsr-3465	17	16	is	be	AUX
fsr-3465	17	17	apparent	apparent	ADJ
fsr-3465	17	18	:	:	PUNCT
fsr-3465	17	19	most	most	ADJ
fsr-3465	17	20	individuals	individual	NOUN
fsr-3465	17	21	and	and	CCONJ
fsr-3465	17	22	families	family	NOUN
fsr-3465	17	23	were	be	AUX
fsr-3465	17	24	unprepared	unprepared	ADJ
fsr-3465	17	25	for	for	ADP
fsr-3465	17	26	such	such	DET
fsr-3465	17	27	an	an	DET
fsr-3465	17	28	economic	economic	ADJ
fsr-3465	17	29	shock	shock	NOUN
fsr-3465	17	30	.	.	PUNCT
fsr-3465	18	1	one	one	NUM
fsr-3465	18	2	likely	likely	ADJ
fsr-3465	18	3	explanation	explanation	NOUN
fsr-3465	18	4	for	for	ADP
fsr-3465	18	5	the	the	DET
fsr-3465	18	6	lack	lack	NOUN
fsr-3465	18	7	of	of	ADP
fsr-3465	18	8	preparedness	preparedness	NOUN
fsr-3465	18	9	is	be	AUX
fsr-3465	18	10	low	low	ADJ
fsr-3465	18	11	financial	financial	ADJ
fsr-3465	18	12	literacy	literacy	NOUN
fsr-3465	18	13	levels	level	NOUN
fsr-3465	18	14	,	,	PUNCT
fsr-3465	18	15	which	which	PRON
fsr-3465	18	16	has	have	AUX
fsr-3465	18	17	been	be	AUX
fsr-3465	18	18	documented	document	VERB
fsr-3465	18	19	in	in	ADP
fsr-3465	18	20	a	a	DET
fsr-3465	18	21	variety	variety	NOUN
fsr-3465	18	22	of	of	ADP
fsr-3465	18	23	studies	study	NOUN
fsr-3465	18	24	(	(	PUNCT
fsr-3465	18	25	lusardi	lusardi	PROPN
fsr-3465	18	26	&	&	CCONJ
fsr-3465	18	27	mitchell	mitchell	PROPN
fsr-3465	18	28	,	,	PUNCT
fsr-3465	18	29	2014	2014	NUM
fsr-3465	18	30	)	)	PUNCT
fsr-3465	18	31	.	.	PUNCT
fsr-3465	19	1	it	it	PRON
fsr-3465	19	2	is	be	AUX
fsr-3465	19	3	imperative	imperative	ADJ
fsr-3465	19	4	that	that	SCONJ
fsr-3465	19	5	tools	tool	NOUN
fsr-3465	19	6	be	be	AUX
fsr-3465	19	7	developed	develop	VERB
fsr-3465	19	8	to	to	PART
fsr-3465	19	9	improve	improve	VERB
fsr-3465	19	10	personal	personal	ADJ
fsr-3465	19	11	financial	financial	ADJ
fsr-3465	19	12	literacy	literacy	NOUN
fsr-3465	19	13	and	and	CCONJ
fsr-3465	19	14	that	that	SCONJ
fsr-3465	19	15	these	these	DET
fsr-3465	19	16	tools	tool	NOUN
fsr-3465	19	17	be	be	AUX
fsr-3465	19	18	implemented	implement	VERB
fsr-3465	19	19	quickly	quickly	ADV
fsr-3465	19	20	and	and	CCONJ
fsr-3465	19	21	in	in	ADP
fsr-3465	19	22	as	as	ADV
fsr-3465	19	23	many	many	ADJ
fsr-3465	19	24	forums	forum	NOUN
fsr-3465	19	25	as	as	ADP
fsr-3465	19	26	possible	possible	ADJ
fsr-3465	19	27	.	.	PUNCT
fsr-3465	20	1	although	although	SCONJ
fsr-3465	20	2	this	this	DET
fsr-3465	20	3	study	study	NOUN
fsr-3465	20	4	began	begin	VERB
fsr-3465	20	5	well	well	ADV
fsr-3465	20	6	before	before	ADP
fsr-3465	20	7	the	the	DET
fsr-3465	20	8	covid-19	covid-19	PROPN
fsr-3465	20	9	pandemic	pandemic	NOUN
fsr-3465	20	10	,	,	PUNCT
fsr-3465	20	11	the	the	DET
fsr-3465	20	12	pandemic	pandemic	NOUN
fsr-3465	20	13	serves	serve	VERB
fsr-3465	20	14	as	as	ADP
fsr-3465	20	15	an	an	DET
fsr-3465	20	16	important	important	ADJ
fsr-3465	20	17	reminder	reminder	NOUN
fsr-3465	20	18	that	that	SCONJ
fsr-3465	20	19	financial	financial	ADJ
fsr-3465	20	20	literacy	literacy	NOUN
fsr-3465	20	21	is	be	AUX
fsr-3465	20	22	essential	essential	ADJ
fsr-3465	20	23	for	for	ADP
fsr-3465	20	24	a	a	DET
fsr-3465	20	25	highly	highly	ADV
fsr-3465	20	26	functioning	functioning	ADJ
fsr-3465	20	27	society	society	NOUN
fsr-3465	20	28	.	.	PUNCT
fsr-3465	21	1	each	each	DET
fsr-3465	21	2	day	day	NOUN
fsr-3465	21	3	,	,	PUNCT
fsr-3465	21	4	individuals	individual	NOUN
fsr-3465	21	5	and	and	CCONJ
fsr-3465	21	6	households	household	NOUN
fsr-3465	21	7	make	make	VERB
fsr-3465	21	8	financial	financial	ADJ
fsr-3465	21	9	decisions	decision	NOUN
fsr-3465	21	10	that	that	PRON
fsr-3465	21	11	have	have	VERB
fsr-3465	21	12	greater	great	ADJ
fsr-3465	21	13	and	and	CCONJ
fsr-3465	21	14	furtherreaching	furtherreache	VERB
fsr-3465	21	15	consequences	consequence	NOUN
fsr-3465	21	16	.	.	PUNCT
fsr-3465	22	1	households	household	NOUN
fsr-3465	22	2	must	must	AUX
fsr-3465	22	3	manage	manage	VERB
fsr-3465	22	4	their	their	PRON
fsr-3465	22	5	consumer	consumer	NOUN
fsr-3465	22	6	credit	credit	NOUN
fsr-3465	22	7	levels	level	NOUN
fsr-3465	22	8	(	(	PUNCT
fsr-3465	22	9	currently	currently	ADV
fsr-3465	22	10	over	over	ADP
fsr-3465	22	11	$	$	SYM
fsr-3465	22	12	4	4	NUM
fsr-3465	22	13	trillion	trillion	NUM
fsr-3465	22	14	in	in	ADP
fsr-3465	22	15	the	the	DET
fsr-3465	22	16	united	united	PROPN
fsr-3465	22	17	states	states	PROPN
fsr-3465	22	18	,	,	PUNCT
fsr-3465	22	19	see	see	VERB
fsr-3465	22	20	https://www.federalreserve.gov/releases/g19/	https://www.federalreserve.gov/releases/g19/	PRON
fsr-3465	22	21	current/	current/	PROPN
fsr-3465	22	22	as	as	ADP
fsr-3465	22	23	of	of	ADP
fsr-3465	22	24	april	april	PROPN
fsr-3465	22	25	2020	2020	NUM
fsr-3465	22	26	)	)	PUNCT
fsr-3465	22	27	,	,	PUNCT
fsr-3465	22	28	including	include	VERB
fsr-3465	22	29	credit	credit	NOUN
fsr-3465	22	30	cards	card	NOUN
fsr-3465	22	31	,	,	PUNCT
fsr-3465	22	32	student	student	NOUN
fsr-3465	22	33	loans	loan	NOUN
fsr-3465	22	34	,	,	PUNCT
fsr-3465	22	35	car	car	NOUN
fsr-3465	22	36	payments	payment	NOUN
fsr-3465	22	37	,	,	PUNCT
fsr-3465	22	38	and	and	CCONJ
fsr-3465	22	39	other	other	ADJ
fsr-3465	22	40	miscellaneous	miscellaneous	ADJ
fsr-3465	22	41	debt	debt	NOUN
fsr-3465	22	42	finances	finance	NOUN
fsr-3465	22	43	,	,	PUNCT
fsr-3465	22	44	as	as	ADV
fsr-3465	22	45	well	well	ADV
fsr-3465	22	46	as	as	ADP
fsr-3465	22	47	mortgage	mortgage	NOUN
fsr-3465	22	48	debt	debt	NOUN
fsr-3465	22	49	.	.	PUNCT
fsr-3465	23	1	households	household	NOUN
fsr-3465	23	2	must	must	AUX
fsr-3465	23	3	manage	manage	VERB
fsr-3465	23	4	savings	saving	NOUN
fsr-3465	23	5	and	and	CCONJ
fsr-3465	23	6	spending	spending	NOUN
fsr-3465	23	7	decisions	decision	NOUN
fsr-3465	23	8	and	and	CCONJ
fsr-3465	23	9	decide	decide	VERB
fsr-3465	23	10	what	what	PRON
fsr-3465	23	11	investment	investment	NOUN
fsr-3465	23	12	types	type	NOUN
fsr-3465	23	13	should	should	AUX
fsr-3465	23	14	be	be	AUX
fsr-3465	23	15	utilized	utilize	VERB
fsr-3465	23	16	.	.	PUNCT
fsr-3465	24	1	finally	finally	ADV
fsr-3465	24	2	,	,	PUNCT
fsr-3465	24	3	households	household	NOUN
fsr-3465	24	4	must	must	AUX
fsr-3465	24	5	plan	plan	VERB
fsr-3465	24	6	for	for	ADP
fsr-3465	24	7	,	,	PUNCT
fsr-3465	24	8	set	set	VERB
fsr-3465	24	9	aside	aside	ADP
fsr-3465	24	10	money	money	NOUN
fsr-3465	24	11	for	for	ADP
fsr-3465	24	12	,	,	PUNCT
fsr-3465	24	13	and	and	CCONJ
fsr-3465	24	14	make	make	VERB
fsr-3465	24	15	investment	investment	NOUN
fsr-3465	24	16	decisions	decision	NOUN
fsr-3465	24	17	about	about	ADP
fsr-3465	24	18	retirement	retirement	NOUN
fsr-3465	24	19	,	,	PUNCT
fsr-3465	24	20	a	a	DET
fsr-3465	24	21	responsibility	responsibility	NOUN
fsr-3465	24	22	unheard	unheard	ADJ
fsr-3465	24	23	of	of	ADP
fsr-3465	24	24	a	a	DET
fsr-3465	24	25	generation	generation	NOUN
fsr-3465	24	26	ago	ago	ADV
fsr-3465	24	27	.	.	PUNCT
fsr-3465	25	1	therefore	therefore	ADV
fsr-3465	25	2	,	,	PUNCT
fsr-3465	25	3	while	while	SCONJ
fsr-3465	25	4	households	household	NOUN
fsr-3465	25	5	are	be	AUX
fsr-3465	25	6	advantaged	advantage	VERB
fsr-3465	25	7	by	by	ADP
fsr-3465	25	8	increased	increase	VERB
fsr-3465	25	9	access	access	NOUN
fsr-3465	25	10	to	to	ADP
fsr-3465	25	11	financial	financial	ADJ
fsr-3465	25	12	markets	market	NOUN
fsr-3465	25	13	,	,	PUNCT
fsr-3465	25	14	they	they	PRON
fsr-3465	25	15	must	must	AUX
fsr-3465	25	16	first	first	ADV
fsr-3465	25	17	have	have	VERB
fsr-3465	25	18	the	the	DET
fsr-3465	25	19	financial	financial	ADJ
fsr-3465	25	20	knowledge	knowledge	NOUN
fsr-3465	25	21	necessary	necessary	ADJ
fsr-3465	25	22	to	to	PART
fsr-3465	25	23	interact	interact	VERB
fsr-3465	25	24	with	with	ADP
fsr-3465	25	25	such	such	ADJ
fsr-3465	25	26	markets	market	NOUN
fsr-3465	25	27	or	or	CCONJ
fsr-3465	25	28	risk	risk	VERB
fsr-3465	25	29	potentially	potentially	ADV
fsr-3465	25	30	drastic	drastic	ADJ
fsr-3465	25	31	financial	financial	ADJ
fsr-3465	25	32	consequences.1	consequences.1	PROPN
fsr-3465	25	33	additionally	additionally	ADV
fsr-3465	25	34	,	,	PUNCT
fsr-3465	25	35	individuals	individual	NOUN
fsr-3465	25	36	must	must	AUX
fsr-3465	25	37	have	have	VERB
fsr-3465	25	38	confidence	confidence	NOUN
fsr-3465	25	39	in	in	ADP
fsr-3465	25	40	their	their	PRON
fsr-3465	25	41	ability	ability	NOUN
fsr-3465	25	42	to	to	PART
fsr-3465	25	43	make	make	VERB
fsr-3465	25	44	these	these	DET
fsr-3465	25	45	decisions	decision	NOUN
fsr-3465	25	46	effectively	effectively	ADV
fsr-3465	25	47	and	and	CCONJ
fsr-3465	25	48	manage	manage	VERB
fsr-3465	25	49	their	their	PRON
fsr-3465	25	50	financial	financial	ADJ
fsr-3465	25	51	future	future	NOUN
fsr-3465	25	52	.	.	PUNCT
fsr-3465	26	1	for	for	ADP
fsr-3465	26	2	example	example	NOUN
fsr-3465	26	3	,	,	PUNCT
fsr-3465	26	4	research	research	NOUN
fsr-3465	26	5	(	(	PUNCT
fsr-3465	26	6	farrell	farrell	PROPN
fsr-3465	26	7	,	,	PUNCT
fsr-3465	26	8	fry	fry	PROPN
fsr-3465	26	9	,	,	PUNCT
fsr-3465	26	10	&	&	CCONJ
fsr-3465	26	11	risse	risse	PROPN
fsr-3465	26	12	,	,	PUNCT
fsr-3465	26	13	2016	2016	NUM
fsr-3465	26	14	)	)	PUNCT
fsr-3465	26	15	shows	show	VERB
fsr-3465	26	16	that	that	SCONJ
fsr-3465	26	17	women	woman	NOUN
fsr-3465	26	18	’s	’s	PART
fsr-3465	26	19	confidence	confidence	NOUN
fsr-3465	26	20	in	in	ADP
fsr-3465	26	21	their	their	PRON
fsr-3465	26	22	financial	financial	ADJ
fsr-3465	26	23	capabilities	capability	NOUN
fsr-3465	26	24	predicted	predict	VERB
fsr-3465	26	25	positive	positive	ADJ
fsr-3465	26	26	financial	financial	ADJ
fsr-3465	26	27	behaviors	behavior	NOUN
fsr-3465	26	28	(	(	PUNCT
fsr-3465	26	29	i.e.	i.e.	X
fsr-3465	26	30	,	,	PUNCT
fsr-3465	26	31	they	they	PRON
fsr-3465	26	32	were	be	AUX
fsr-3465	26	33	more	more	ADV
fsr-3465	26	34	likely	likely	ADJ
fsr-3465	26	35	to	to	PART
fsr-3465	26	36	have	have	VERB
fsr-3465	26	37	financial	financial	ADJ
fsr-3465	26	38	products	product	NOUN
fsr-3465	26	39	related	relate	VERB
fsr-3465	26	40	to	to	ADP
fsr-3465	26	41	saving	save	VERB
fsr-3465	26	42	and	and	CCONJ
fsr-3465	26	43	investing	invest	VERB
fsr-3465	26	44	funds	fund	NOUN
fsr-3465	26	45	)	)	PUNCT
fsr-3465	26	46	.	.	PUNCT
fsr-3465	27	1	at	at	ADP
fsr-3465	27	2	the	the	DET
fsr-3465	27	3	same	same	ADJ
fsr-3465	27	4	time	time	NOUN
fsr-3465	27	5	,	,	PUNCT
fsr-3465	27	6	other	other	ADJ
fsr-3465	27	7	research	research	NOUN
fsr-3465	27	8	suggests	suggest	VERB
fsr-3465	27	9	that	that	SCONJ
fsr-3465	27	10	if	if	SCONJ
fsr-3465	27	11	confidence	confidence	NOUN
fsr-3465	27	12	is	be	AUX
fsr-3465	27	13	overblown	overblown	ADJ
fsr-3465	27	14	and	and	CCONJ
fsr-3465	27	15	not	not	PART
fsr-3465	27	16	commensurate	commensurate	ADJ
fsr-3465	27	17	with	with	ADP
fsr-3465	27	18	knowledge	knowledge	NOUN
fsr-3465	27	19	,	,	PUNCT
fsr-3465	27	20	this	this	PRON
fsr-3465	27	21	could	could	AUX
fsr-3465	27	22	lead	lead	VERB
fsr-3465	27	23	to	to	ADP
fsr-3465	27	24	poor	poor	ADJ
fsr-3465	27	25	decision	decision	NOUN
fsr-3465	27	26	making	make	VERB
fsr-3465	27	27	and	and	CCONJ
fsr-3465	27	28	engaging	engage	VERB
fsr-3465	27	29	in	in	ADP
fsr-3465	27	30	costly	costly	ADJ
fsr-3465	27	31	behaviors	behavior	NOUN
fsr-3465	27	32	(	(	PUNCT
fsr-3465	27	33	krueger	krueger	PROPN
fsr-3465	27	34	&	&	CCONJ
fsr-3465	27	35	dunning	dunning	NOUN
fsr-3465	27	36	,	,	PUNCT
fsr-3465	27	37	1999	1999	NUM
fsr-3465	27	38	;	;	PUNCT
fsr-3465	27	39	toker	toker	PROPN
fsr-3465	27	40	asad	asad	PROPN
fsr-3465	27	41	,	,	PUNCT
fsr-3465	27	42	2015	2015	NUM
fsr-3465	27	43	)	)	PUNCT
fsr-3465	27	44	.	.	PUNCT
fsr-3465	28	1	unfortunately	unfortunately	ADV
fsr-3465	28	2	,	,	PUNCT
fsr-3465	28	3	existing	exist	VERB
fsr-3465	28	4	research	research	NOUN
fsr-3465	28	5	shows	show	VERB
fsr-3465	28	6	that	that	SCONJ
fsr-3465	28	7	generally	generally	ADV
fsr-3465	28	8	,	,	PUNCT
fsr-3465	28	9	people	people	NOUN
fsr-3465	28	10	lack	lack	VERB
fsr-3465	28	11	financial	financial	ADJ
fsr-3465	28	12	knowledge	knowledge	NOUN
fsr-3465	28	13	and	and	CCONJ
fsr-3465	28	14	confidence	confidence	NOUN
fsr-3465	28	15	.	.	PUNCT
fsr-3465	29	1	for	for	ADP
fsr-3465	29	2	example	example	NOUN
fsr-3465	29	3	,	,	PUNCT
fsr-3465	29	4	the	the	DET
fsr-3465	29	5	2004	2004	NUM
fsr-3465	29	6	health	health	NOUN
fsr-3465	29	7	and	and	CCONJ
fsr-3465	29	8	retirement	retirement	NOUN
fsr-3465	29	9	study	study	NOUN
fsr-3465	29	10	(	(	PUNCT
fsr-3465	29	11	hrs	hrs	NOUN
fsr-3465	29	12	)	)	PUNCT
fsr-3465	29	13	finds	find	VERB
fsr-3465	29	14	that	that	SCONJ
fsr-3465	29	15	among	among	ADP
fsr-3465	29	16	older	old	ADJ
fsr-3465	29	17	individuals	individual	NOUN
fsr-3465	29	18	,	,	PUNCT
fsr-3465	29	19	financial	financial	ADJ
fsr-3465	29	20	knowledge	knowledge	NOUN
fsr-3465	29	21	is	be	AUX
fsr-3465	29	22	quite	quite	ADV
fsr-3465	29	23	low	low	ADJ
fsr-3465	29	24	,	,	PUNCT
fsr-3465	29	25	with	with	ADP
fsr-3465	29	26	only	only	ADV
fsr-3465	29	27	34.3	34.3	NUM
fsr-3465	29	28	%	%	NOUN
fsr-3465	29	29	of	of	ADP
fsr-3465	29	30	respondents	respondent	NOUN
fsr-3465	29	31	correctly	correctly	ADV
fsr-3465	29	32	answering	answer	VERB
fsr-3465	29	33	a	a	DET
fsr-3465	29	34	series	series	NOUN
fsr-3465	29	35	of	of	ADP
fsr-3465	29	36	three	three	NUM
fsr-3465	29	37	questions	question	NOUN
fsr-3465	29	38	regarding	regard	VERB
fsr-3465	29	39	financial	financial	ADJ
fsr-3465	29	40	calculations	calculation	NOUN
fsr-3465	29	41	,	,	PUNCT
fsr-3465	29	42	and	and	CCONJ
fsr-3465	29	43	only	only	ADV
fsr-3465	29	44	70	70	NUM
fsr-3465	29	45	%	%	NOUN
fsr-3465	29	46	answering	answer	VERB
fsr-3465	29	47	two	two	NUM
fsr-3465	29	48	of	of	ADP
fsr-3465	29	49	the	the	DET
fsr-3465	29	50	three	three	NUM
fsr-3465	29	51	questions	question	NOUN
fsr-3465	29	52	correctly	correctly	ADV
fsr-3465	29	53	(	(	PUNCT
fsr-3465	29	54	lusardi	lusardi	PROPN
fsr-3465	29	55	&	&	CCONJ
fsr-3465	29	56	mitchell	mitchell	PROPN
fsr-3465	29	57	,	,	PUNCT
fsr-3465	29	58	2011	2011	NUM
fsr-3465	29	59	)	)	PUNCT
fsr-3465	29	60	.	.	PUNCT
fsr-3465	30	1	these	these	DET
fsr-3465	30	2	same	same	ADJ
fsr-3465	30	3	three	three	NUM
fsr-3465	30	4	questions	question	NOUN
fsr-3465	30	5	have	have	AUX
fsr-3465	30	6	been	be	AUX
fsr-3465	30	7	used	use	VERB
fsr-3465	30	8	in	in	ADP
fsr-3465	30	9	other	other	ADJ
fsr-3465	30	10	studies	study	NOUN
fsr-3465	30	11	gauging	gauge	VERB
fsr-3465	30	12	financial	financial	ADJ
fsr-3465	30	13	knowledge	knowledge	NOUN
fsr-3465	30	14	(	(	PUNCT
fsr-3465	30	15	e.g.	e.g.	ADV
fsr-3465	30	16	,	,	PUNCT
fsr-3465	30	17	the	the	DET
fsr-3465	30	18	rand	rand	NOUN
fsr-3465	30	19	american	american	PROPN
fsr-3465	30	20	life	life	PROPN
fsr-3465	30	21	panel	panel	NOUN
fsr-3465	30	22	;	;	PUNCT
fsr-3465	30	23	lusardi	lusardi	PROPN
fsr-3465	30	24	&	&	CCONJ
fsr-3465	30	25	mitchell	mitchell	PROPN
fsr-3465	30	26	,	,	PUNCT
fsr-3465	30	27	2011	2011	NUM
fsr-3465	30	28	,	,	PUNCT
fsr-3465	30	29	2017	2017	NUM
fsr-3465	30	30	;	;	PUNCT
fsr-3465	30	31	lusardi	lusardi	PROPN
fsr-3465	30	32	,	,	PUNCT
fsr-3465	30	33	mitchell	mitchell	PROPN
fsr-3465	30	34	,	,	PUNCT
fsr-3465	30	35	&	&	CCONJ
fsr-3465	30	36	curto	curto	PROPN
fsr-3465	30	37	,	,	PUNCT
fsr-3465	30	38	2010	2010	NUM
fsr-3465	30	39	)	)	PUNCT
fsr-3465	30	40	.	.	PUNCT
fsr-3465	31	1	all	all	PRON
fsr-3465	31	2	of	of	ADP
fsr-3465	31	3	these	these	DET
fsr-3465	31	4	studies	study	NOUN
fsr-3465	31	5	report	report	VERB
fsr-3465	31	6	findings	finding	NOUN
fsr-3465	31	7	similar	similar	ADJ
fsr-3465	31	8	to	to	ADP
fsr-3465	31	9	the	the	DET
fsr-3465	31	10	hrs	hrs	NOUN
fsr-3465	31	11	study	study	NOUN
fsr-3465	31	12	:	:	PUNCT
fsr-3465	31	13	financial	financial	ADJ
fsr-3465	31	14	knowledge	knowledge	NOUN
fsr-3465	31	15	in	in	ADP
fsr-3465	31	16	the	the	DET
fsr-3465	31	17	united	united	PROPN
fsr-3465	31	18	states	states	PROPN
fsr-3465	31	19	is	be	AUX
fsr-3465	31	20	quite	quite	ADV
fsr-3465	31	21	low	low	ADJ
fsr-3465	31	22	.	.	PUNCT
fsr-3465	32	1	for	for	ADP
fsr-3465	32	2	an	an	DET
fsr-3465	32	3	exhaustive	exhaustive	ADJ
fsr-3465	32	4	literature	literature	NOUN
fsr-3465	32	5	review	review	NOUN
fsr-3465	32	6	documenting	document	VERB
fsr-3465	32	7	low	low	ADJ
fsr-3465	32	8	financial	financial	ADJ
fsr-3465	32	9	knowledge	knowledge	NOUN
fsr-3465	32	10	levels	level	NOUN
fsr-3465	32	11	,	,	PUNCT
fsr-3465	32	12	see	see	VERB
fsr-3465	32	13	lusardi	lusardi	NOUN
fsr-3465	32	14	and	and	CCONJ
fsr-3465	32	15	mitchell	mitchell	PROPN
fsr-3465	32	16	(	(	PUNCT
fsr-3465	32	17	2014	2014	NUM
fsr-3465	32	18	)	)	PUNCT
fsr-3465	32	19	.	.	PUNCT
fsr-3465	33	1	thus	thus	ADV
fsr-3465	33	2	,	,	PUNCT
fsr-3465	33	3	in	in	ADP
fsr-3465	33	4	our	our	PRON
fsr-3465	33	5	research	research	NOUN
fsr-3465	33	6	,	,	PUNCT
fsr-3465	33	7	we	we	PRON
fsr-3465	33	8	presume	presume	VERB
fsr-3465	33	9	that	that	SCONJ
fsr-3465	33	10	financial	financial	ADJ
fsr-3465	33	11	knowledge	knowledge	NOUN
fsr-3465	33	12	is	be	AUX
fsr-3465	33	13	low	low	ADJ
fsr-3465	33	14	and	and	CCONJ
fsr-3465	33	15	that	that	SCONJ
fsr-3465	33	16	it	it	PRON
fsr-3465	33	17	needs	need	VERB
fsr-3465	33	18	to	to	PART
fsr-3465	33	19	improve	improve	VERB
fsr-3465	33	20	.	.	PUNCT
fsr-3465	34	1	as	as	ADP
fsr-3465	34	2	such	such	ADJ
fsr-3465	34	3	,	,	PUNCT
fsr-3465	34	4	the	the	DET
fsr-3465	34	5	current	current	ADJ
fsr-3465	34	6	study	study	NOUN
fsr-3465	34	7	explores	explore	VERB
fsr-3465	34	8	the	the	DET
fsr-3465	34	9	effectiveness	effectiveness	NOUN
fsr-3465	34	10	of	of	ADP
fsr-3465	34	11	a	a	DET
fsr-3465	34	12	financial	financial	ADJ
fsr-3465	34	13	education	education	NOUN
fsr-3465	34	14	program	program	NOUN
fsr-3465	34	15	for	for	ADP
fsr-3465	34	16	graduating	graduate	VERB
fsr-3465	34	17	seniors	senior	NOUN
fsr-3465	34	18	at	at	ADP
fsr-3465	34	19	a	a	DET
fsr-3465	34	20	liberal	liberal	ADJ
fsr-3465	34	21	arts	art	NOUN
fsr-3465	34	22	university	university	NOUN
fsr-3465	34	23	intended	intend	VERB
fsr-3465	34	24	to	to	PART
fsr-3465	34	25	improve	improve	VERB
fsr-3465	34	26	participant	participant	ADJ
fsr-3465	34	27	financial	financial	ADJ
fsr-3465	34	28	literacy	literacy	NOUN
fsr-3465	34	29	.	.	PUNCT
fsr-3465	35	1	the	the	DET
fsr-3465	35	2	program	program	NOUN
fsr-3465	35	3	was	be	AUX
fsr-3465	35	4	developed	develop	VERB
fsr-3465	35	5	because	because	SCONJ
fsr-3465	35	6	the	the	DET
fsr-3465	35	7	institution	institution	NOUN
fsr-3465	35	8	had	have	VERB
fsr-3465	35	9	limited	limit	VERB
fsr-3465	35	10	offerings	offering	NOUN
fsr-3465	35	11	of	of	ADP
fsr-3465	35	12	a	a	DET
fsr-3465	35	13	for	for	ADP
fsr-3465	35	14	-	-	PUNCT
fsr-3465	35	15	credit	credit	NOUN
fsr-3465	35	16	personal	personal	ADJ
fsr-3465	35	17	finance	finance	NOUN
fsr-3465	35	18	316	316	NUM
fsr-3465	35	19	j.	j.	PROPN
fsr-3465	35	20	handy	handy	PROPN
fsr-3465	35	21	et	et	PROPN
fsr-3465	35	22	al	al	PROPN
fsr-3465	35	23	.	.	PUNCT
fsr-3465	35	24	/	/	SYM
fsr-3465	35	25	financial	financial	ADJ
fsr-3465	35	26	services	service	NOUN
fsr-3465	35	27	review	review	VERB
fsr-3465	35	28	29	29	NUM
fsr-3465	35	29	(	(	PUNCT
fsr-3465	35	30	2021	2021	NUM
fsr-3465	35	31	)	)	PUNCT
fsr-3465	36	1	315–341	315–341	NUM
fsr-3465	36	2	course	course	NOUN
fsr-3465	36	3	.	.	PUNCT
fsr-3465	37	1	on	on	ADP
fsr-3465	37	2	average	average	ADJ
fsr-3465	37	3	,	,	PUNCT
fsr-3465	37	4	there	there	PRON
fsr-3465	37	5	was	be	VERB
fsr-3465	37	6	annual	annual	ADJ
fsr-3465	37	7	capacity	capacity	NOUN
fsr-3465	37	8	for	for	ADP
fsr-3465	37	9	approximately	approximately	ADV
fsr-3465	37	10	25	25	NUM
fsr-3465	37	11	students	student	NOUN
fsr-3465	37	12	in	in	ADP
fsr-3465	37	13	the	the	DET
fsr-3465	37	14	for	for	ADP
fsr-3465	37	15	-	-	PUNCT
fsr-3465	37	16	credit	credit	NOUN
fsr-3465	37	17	course	course	NOUN
fsr-3465	37	18	,	,	PUNCT
fsr-3465	37	19	but	but	CCONJ
fsr-3465	37	20	it	it	PRON
fsr-3465	37	21	was	be	AUX
fsr-3465	37	22	common	common	ADJ
fsr-3465	37	23	for	for	SCONJ
fsr-3465	37	24	the	the	DET
fsr-3465	37	25	course	course	NOUN
fsr-3465	37	26	to	to	PART
fsr-3465	37	27	be	be	AUX
fsr-3465	37	28	oversubscribed	oversubscribe	VERB
fsr-3465	37	29	by	by	ADP
fsr-3465	37	30	100	100	NUM
fsr-3465	37	31	or	or	CCONJ
fsr-3465	37	32	more	more	ADJ
fsr-3465	37	33	students	student	NOUN
fsr-3465	37	34	.	.	PUNCT
fsr-3465	38	1	the	the	DET
fsr-3465	38	2	personal	personal	ADJ
fsr-3465	38	3	finance	finance	NOUN
fsr-3465	38	4	program	program	NOUN
fsr-3465	38	5	(	(	PUNCT
fsr-3465	38	6	pfp	pfp	PROPN
fsr-3465	38	7	)	)	PUNCT
fsr-3465	38	8	was	be	AUX
fsr-3465	38	9	developed	develop	VERB
fsr-3465	38	10	to	to	PART
fsr-3465	38	11	address	address	VERB
fsr-3465	38	12	the	the	DET
fsr-3465	38	13	gap	gap	NOUN
fsr-3465	38	14	in	in	ADP
fsr-3465	38	15	offering	offer	VERB
fsr-3465	38	16	this	this	DET
fsr-3465	38	17	kind	kind	NOUN
fsr-3465	38	18	of	of	ADV
fsr-3465	38	19	course	course	NOUN
fsr-3465	38	20	and	and	CCONJ
fsr-3465	38	21	provide	provide	VERB
fsr-3465	38	22	a	a	DET
fsr-3465	38	23	controlled	control	VERB
fsr-3465	38	24	opportunity	opportunity	NOUN
fsr-3465	38	25	to	to	PART
fsr-3465	38	26	assess	assess	VERB
fsr-3465	38	27	its	its	PRON
fsr-3465	38	28	effectiveness	effectiveness	NOUN
fsr-3465	38	29	in	in	ADP
fsr-3465	38	30	increasing	increase	VERB
fsr-3465	38	31	financial	financial	ADJ
fsr-3465	38	32	literacy	literacy	NOUN
fsr-3465	38	33	.	.	PUNCT
fsr-3465	39	1	we	we	PRON
fsr-3465	39	2	define	define	VERB
fsr-3465	39	3	financial	financial	ADJ
fsr-3465	39	4	literacy	literacy	NOUN
fsr-3465	39	5	as	as	ADP
fsr-3465	39	6	“	"	PUNCT
fsr-3465	39	7	people	people	NOUN
fsr-3465	39	8	’s	’s	PART
fsr-3465	39	9	ability	ability	NOUN
fsr-3465	39	10	to	to	PART
fsr-3465	39	11	process	process	VERB
fsr-3465	39	12	economic	economic	ADJ
fsr-3465	39	13	information	information	NOUN
fsr-3465	39	14	and	and	CCONJ
fsr-3465	39	15	make	make	VERB
fsr-3465	39	16	informed	informed	ADJ
fsr-3465	39	17	decisions	decision	NOUN
fsr-3465	39	18	about	about	ADP
fsr-3465	39	19	financial	financial	ADJ
fsr-3465	39	20	planning	planning	NOUN
fsr-3465	39	21	,	,	PUNCT
fsr-3465	39	22	wealth	wealth	NOUN
fsr-3465	39	23	accumulation	accumulation	NOUN
fsr-3465	39	24	,	,	PUNCT
fsr-3465	39	25	debt	debt	NOUN
fsr-3465	39	26	,	,	PUNCT
fsr-3465	39	27	and	and	CCONJ
fsr-3465	39	28	pensions	pension	NOUN
fsr-3465	39	29	”	"	PUNCT
fsr-3465	39	30	(	(	PUNCT
fsr-3465	39	31	lusardi	lusardi	PROPN
fsr-3465	39	32	&	&	CCONJ
fsr-3465	39	33	mitchell	mitchell	PROPN
fsr-3465	39	34	,	,	PUNCT
fsr-3465	39	35	2014	2014	NUM
fsr-3465	39	36	)	)	PUNCT
fsr-3465	39	37	.	.	PUNCT
fsr-3465	40	1	this	this	DET
fsr-3465	40	2	definition	definition	NOUN
fsr-3465	40	3	encompasses	encompass	VERB
fsr-3465	40	4	two	two	NUM
fsr-3465	40	5	critical	critical	ADJ
fsr-3465	40	6	dimensions	dimension	NOUN
fsr-3465	40	7	:	:	PUNCT
fsr-3465	40	8	knowledge	knowledge	NOUN
fsr-3465	40	9	and	and	CCONJ
fsr-3465	40	10	behavior	behavior	NOUN
fsr-3465	40	11	.	.	PUNCT
fsr-3465	41	1	most	most	ADJ
fsr-3465	41	2	research	research	NOUN
fsr-3465	41	3	focuses	focus	VERB
fsr-3465	41	4	on	on	ADP
fsr-3465	41	5	knowledge	knowledge	NOUN
fsr-3465	41	6	or	or	CCONJ
fsr-3465	41	7	attempts	attempt	NOUN
fsr-3465	41	8	to	to	PART
fsr-3465	41	9	infer	infer	VERB
fsr-3465	41	10	behavior	behavior	NOUN
fsr-3465	41	11	from	from	ADP
fsr-3465	41	12	data	datum	NOUN
fsr-3465	41	13	such	such	ADJ
fsr-3465	41	14	as	as	ADP
fsr-3465	41	15	the	the	DET
fsr-3465	41	16	survey	survey	NOUN
fsr-3465	41	17	of	of	ADP
fsr-3465	41	18	consumer	consumer	NOUN
fsr-3465	41	19	finances	finance	NOUN
fsr-3465	41	20	.	.	PUNCT
fsr-3465	42	1	or	or	CCONJ
fsr-3465	42	2	,	,	PUNCT
fsr-3465	42	3	previous	previous	ADJ
fsr-3465	42	4	research	research	NOUN
fsr-3465	42	5	associates	associate	NOUN
fsr-3465	42	6	higher	high	ADJ
fsr-3465	42	7	knowledge	knowledge	NOUN
fsr-3465	42	8	with	with	ADP
fsr-3465	42	9	“	"	PUNCT
fsr-3465	42	10	better	well	ADJ
fsr-3465	42	11	”	"	PUNCT
fsr-3465	42	12	behaviors	behavior	NOUN
fsr-3465	42	13	(	(	PUNCT
fsr-3465	42	14	e.g.	e.g.	ADV
fsr-3465	42	15	,	,	PUNCT
fsr-3465	42	16	fox	fox	PROPN
fsr-3465	42	17	,	,	PUNCT
fsr-3465	42	18	bartholomae	bartholomae	NOUN
fsr-3465	42	19	,	,	PUNCT
fsr-3465	42	20	&	&	CCONJ
fsr-3465	42	21	lee	lee	PROPN
fsr-3465	42	22	,	,	PUNCT
fsr-3465	42	23	2005	2005	NUM
fsr-3465	42	24	;	;	PUNCT
fsr-3465	42	25	henager	henager	NOUN
fsr-3465	42	26	&	&	CCONJ
fsr-3465	42	27	cude	cude	ADJ
fsr-3465	42	28	,	,	PUNCT
fsr-3465	42	29	2016	2016	NUM
fsr-3465	42	30	;	;	PUNCT
fsr-3465	42	31	lusardi	lusardi	NOUN
fsr-3465	42	32	,	,	PUNCT
fsr-3465	42	33	2008	2008	NUM
fsr-3465	42	34	)	)	PUNCT
fsr-3465	42	35	,	,	PUNCT
fsr-3465	42	36	but	but	CCONJ
fsr-3465	42	37	due	due	ADP
fsr-3465	42	38	to	to	ADP
fsr-3465	42	39	the	the	DET
fsr-3465	42	40	correlational	correlational	ADJ
fsr-3465	42	41	nature	nature	NOUN
fsr-3465	42	42	of	of	ADP
fsr-3465	42	43	that	that	DET
fsr-3465	42	44	research	research	NOUN
fsr-3465	42	45	,	,	PUNCT
fsr-3465	42	46	the	the	DET
fsr-3465	42	47	conclusions	conclusion	NOUN
fsr-3465	42	48	are	be	AUX
fsr-3465	42	49	inferences	inference	NOUN
fsr-3465	42	50	at	at	ADP
fsr-3465	42	51	best	good	ADJ
fsr-3465	42	52	.	.	PUNCT
fsr-3465	43	1	to	to	ADP
fsr-3465	43	2	our	our	PRON
fsr-3465	43	3	knowledge	knowledge	NOUN
fsr-3465	43	4	,	,	PUNCT
fsr-3465	43	5	there	there	PRON
fsr-3465	43	6	is	be	VERB
fsr-3465	43	7	no	no	DET
fsr-3465	43	8	work	work	NOUN
fsr-3465	43	9	directly	directly	ADV
fsr-3465	43	10	examining	examine	VERB
fsr-3465	43	11	programs	program	NOUN
fsr-3465	43	12	aimed	aim	VERB
fsr-3465	43	13	at	at	ADP
fsr-3465	43	14	improving	improve	VERB
fsr-3465	43	15	knowledge	knowledge	NOUN
fsr-3465	43	16	and	and	CCONJ
fsr-3465	43	17	any	any	DET
fsr-3465	43	18	subsequent	subsequent	ADJ
fsr-3465	43	19	behavioral	behavioral	ADJ
fsr-3465	43	20	changes	change	NOUN
fsr-3465	43	21	that	that	PRON
fsr-3465	43	22	follow	follow	VERB
fsr-3465	43	23	.	.	PUNCT
fsr-3465	44	1	the	the	DET
fsr-3465	44	2	current	current	ADJ
fsr-3465	44	3	study	study	NOUN
fsr-3465	44	4	addresses	address	VERB
fsr-3465	44	5	the	the	DET
fsr-3465	44	6	first	first	ADJ
fsr-3465	44	7	step	step	NOUN
fsr-3465	44	8	in	in	ADP
fsr-3465	44	9	increasing	increase	VERB
fsr-3465	44	10	financial	financial	ADJ
fsr-3465	44	11	literacy	literacy	NOUN
fsr-3465	44	12	.	.	PUNCT
fsr-3465	45	1	that	that	PRON
fsr-3465	45	2	is	is	ADV
fsr-3465	45	3	,	,	PUNCT
fsr-3465	45	4	we	we	PRON
fsr-3465	45	5	measure	measure	VERB
fsr-3465	45	6	baseline	baseline	NOUN
fsr-3465	45	7	levels	level	NOUN
fsr-3465	45	8	of	of	ADP
fsr-3465	45	9	financial	financial	ADJ
fsr-3465	45	10	knowledge	knowledge	NOUN
fsr-3465	45	11	for	for	ADP
fsr-3465	45	12	a	a	DET
fsr-3465	45	13	treatment	treatment	NOUN
fsr-3465	45	14	group	group	NOUN
fsr-3465	45	15	and	and	CCONJ
fsr-3465	45	16	a	a	DET
fsr-3465	45	17	control	control	NOUN
fsr-3465	45	18	group	group	NOUN
fsr-3465	45	19	,	,	PUNCT
fsr-3465	45	20	then	then	ADV
fsr-3465	45	21	expose	expose	VERB
fsr-3465	45	22	the	the	DET
fsr-3465	45	23	treatment	treatment	NOUN
fsr-3465	45	24	group	group	NOUN
fsr-3465	45	25	to	to	ADP
fsr-3465	45	26	the	the	DET
fsr-3465	45	27	pfp	pfp	PROPN
fsr-3465	45	28	,	,	PUNCT
fsr-3465	45	29	and	and	CCONJ
fsr-3465	45	30	then	then	ADV
fsr-3465	45	31	measure	measure	VERB
fsr-3465	45	32	financial	financial	ADJ
fsr-3465	45	33	knowledge	knowledge	NOUN
fsr-3465	45	34	again	again	ADV
fsr-3465	45	35	for	for	ADP
fsr-3465	45	36	both	both	DET
fsr-3465	45	37	groups	group	NOUN
fsr-3465	45	38	.	.	PUNCT
fsr-3465	46	1	we	we	PRON
fsr-3465	46	2	also	also	ADV
fsr-3465	46	3	measure	measure	VERB
fsr-3465	46	4	changes	change	NOUN
fsr-3465	46	5	in	in	ADP
fsr-3465	46	6	confidence	confidence	NOUN
fsr-3465	46	7	level	level	NOUN
fsr-3465	46	8	.	.	PUNCT
fsr-3465	47	1	as	as	SCONJ
fsr-3465	47	2	described	describe	VERB
fsr-3465	47	3	above	above	ADV
fsr-3465	47	4	,	,	PUNCT
fsr-3465	47	5	there	there	PRON
fsr-3465	47	6	are	be	VERB
fsr-3465	47	7	competing	compete	VERB
fsr-3465	47	8	predictions	prediction	NOUN
fsr-3465	47	9	about	about	ADP
fsr-3465	47	10	the	the	DET
fsr-3465	47	11	potential	potential	ADJ
fsr-3465	47	12	benefits	benefit	NOUN
fsr-3465	47	13	of	of	ADP
fsr-3465	47	14	increasing	increase	VERB
fsr-3465	47	15	confidence	confidence	NOUN
fsr-3465	47	16	along	along	ADP
fsr-3465	47	17	with	with	ADP
fsr-3465	47	18	knowledge	knowledge	NOUN
fsr-3465	47	19	.	.	PUNCT
fsr-3465	48	1	nonetheless	nonetheless	ADV
fsr-3465	48	2	,	,	PUNCT
fsr-3465	48	3	research	research	NOUN
fsr-3465	48	4	seems	seem	VERB
fsr-3465	48	5	to	to	PART
fsr-3465	48	6	agree	agree	VERB
fsr-3465	48	7	upon	upon	SCONJ
fsr-3465	48	8	the	the	DET
fsr-3465	48	9	notion	notion	NOUN
fsr-3465	48	10	that	that	SCONJ
fsr-3465	48	11	increased	increase	VERB
fsr-3465	48	12	confidence	confidence	NOUN
fsr-3465	48	13	is	be	AUX
fsr-3465	48	14	a	a	DET
fsr-3465	48	15	benefit	benefit	NOUN
fsr-3465	48	16	,	,	PUNCT
fsr-3465	48	17	as	as	ADV
fsr-3465	48	18	long	long	ADV
fsr-3465	48	19	as	as	SCONJ
fsr-3465	48	20	it	it	PRON
fsr-3465	48	21	is	be	AUX
fsr-3465	48	22	matched	match	VERB
fsr-3465	48	23	with	with	ADP
fsr-3465	48	24	increased	increase	VERB
fsr-3465	48	25	knowledge	knowledge	NOUN
fsr-3465	48	26	.	.	PUNCT
fsr-3465	49	1	indeed	indeed	ADV
fsr-3465	49	2	,	,	PUNCT
fsr-3465	49	3	toker	toker	PROPN
fsr-3465	49	4	asad	asad	PROPN
fsr-3465	49	5	(	(	PUNCT
fsr-3465	49	6	2015	2015	NUM
fsr-3465	49	7	)	)	PUNCT
fsr-3465	49	8	summarized	summarize	VERB
fsr-3465	49	9	,	,	PUNCT
fsr-3465	49	10	that	that	SCONJ
fsr-3465	49	11	“	"	PUNCT
fsr-3465	49	12	financial	financial	ADJ
fsr-3465	49	13	literacy	literacy	NOUN
fsr-3465	49	14	initiatives	initiative	NOUN
fsr-3465	49	15	should	should	AUX
fsr-3465	49	16	focus	focus	VERB
fsr-3465	49	17	not	not	PART
fsr-3465	49	18	only	only	ADV
fsr-3465	49	19	on	on	ADP
fsr-3465	49	20	factual	factual	ADJ
fsr-3465	49	21	knowledge	knowledge	NOUN
fsr-3465	49	22	,	,	PUNCT
fsr-3465	49	23	but	but	CCONJ
fsr-3465	49	24	on	on	ADP
fsr-3465	49	25	helping	help	VERB
fsr-3465	49	26	individuals	individual	NOUN
fsr-3465	49	27	achieve	achieve	VERB
fsr-3465	49	28	a	a	DET
fsr-3465	49	29	healthy	healthy	ADJ
fsr-3465	49	30	dose	dose	NOUN
fsr-3465	49	31	of	of	ADP
fsr-3465	49	32	confidence	confidence	NOUN
fsr-3465	49	33	.	.	PUNCT
fsr-3465	49	34	”	"	PUNCT
fsr-3465	50	1	thus	thus	ADV
fsr-3465	50	2	,	,	PUNCT
fsr-3465	50	3	we	we	PRON
fsr-3465	50	4	ask	ask	VERB
fsr-3465	50	5	participants	participant	NOUN
fsr-3465	50	6	how	how	SCONJ
fsr-3465	50	7	confident	confident	ADJ
fsr-3465	50	8	they	they	PRON
fsr-3465	50	9	are	be	AUX
fsr-3465	50	10	in	in	ADP
fsr-3465	50	11	managing	manage	VERB
fsr-3465	50	12	their	their	PRON
fsr-3465	50	13	financial	financial	ADJ
fsr-3465	50	14	future	future	NOUN
fsr-3465	50	15	(	(	PUNCT
fsr-3465	50	16	not	not	PART
fsr-3465	50	17	how	how	SCONJ
fsr-3465	50	18	confident	confident	ADJ
fsr-3465	50	19	they	they	PRON
fsr-3465	50	20	are	be	AUX
fsr-3465	50	21	in	in	ADP
fsr-3465	50	22	their	their	PRON
fsr-3465	50	23	answers	answer	NOUN
fsr-3465	50	24	or	or	CCONJ
fsr-3465	50	25	knowledge	knowledge	NOUN
fsr-3465	50	26	)	)	PUNCT
fsr-3465	50	27	and	and	CCONJ
fsr-3465	50	28	can	can	AUX
fsr-3465	50	29	assess	assess	VERB
fsr-3465	50	30	if	if	SCONJ
fsr-3465	50	31	this	this	PRON
fsr-3465	50	32	increases	increase	VERB
fsr-3465	50	33	alongside	alongside	ADP
fsr-3465	50	34	actual	actual	ADJ
fsr-3465	50	35	financial	financial	ADJ
fsr-3465	50	36	knowledge	knowledge	NOUN
fsr-3465	50	37	.	.	PUNCT
fsr-3465	51	1	to	to	PART
fsr-3465	51	2	summarize	summarize	VERB
fsr-3465	51	3	,	,	PUNCT
fsr-3465	51	4	the	the	DET
fsr-3465	51	5	current	current	ADJ
fsr-3465	51	6	research	research	NOUN
fsr-3465	51	7	gauges	gauge	VERB
fsr-3465	51	8	the	the	DET
fsr-3465	51	9	pfp	pfp	PROPN
fsr-3465	51	10	’s	’s	PART
fsr-3465	51	11	efficacy	efficacy	NOUN
fsr-3465	51	12	in	in	ADP
fsr-3465	51	13	improving	improve	VERB
fsr-3465	51	14	financial	financial	ADJ
fsr-3465	51	15	knowledge	knowledge	NOUN
fsr-3465	51	16	and	and	CCONJ
fsr-3465	51	17	increasing	increase	VERB
fsr-3465	51	18	confidence	confidence	NOUN
fsr-3465	51	19	in	in	ADP
fsr-3465	51	20	the	the	DET
fsr-3465	51	21	ability	ability	NOUN
fsr-3465	51	22	to	to	PART
fsr-3465	51	23	manage	manage	VERB
fsr-3465	51	24	one	one	NUM
fsr-3465	51	25	’s	’s	PART
fsr-3465	51	26	financial	financial	ADJ
fsr-3465	51	27	future	future	NOUN
fsr-3465	51	28	.	.	PUNCT
fsr-3465	52	1	using	use	VERB
fsr-3465	52	2	multivariate	multivariate	NOUN
fsr-3465	52	3	regression	regression	NOUN
fsr-3465	52	4	techniques	technique	NOUN
fsr-3465	52	5	,	,	PUNCT
fsr-3465	52	6	our	our	PRON
fsr-3465	52	7	analysis	analysis	NOUN
fsr-3465	52	8	finds	find	VERB
fsr-3465	52	9	that	that	SCONJ
fsr-3465	52	10	program	program	NOUN
fsr-3465	52	11	participants	participant	NOUN
fsr-3465	52	12	improve	improve	VERB
fsr-3465	52	13	both	both	DET
fsr-3465	52	14	financial	financial	ADJ
fsr-3465	52	15	knowledge	knowledge	NOUN
fsr-3465	52	16	and	and	CCONJ
fsr-3465	52	17	confidence	confidence	NOUN
fsr-3465	52	18	about	about	ADP
fsr-3465	52	19	their	their	PRON
fsr-3465	52	20	financial	financial	ADJ
fsr-3465	52	21	future	future	NOUN
fsr-3465	52	22	,	,	PUNCT
fsr-3465	52	23	after	after	ADP
fsr-3465	52	24	controlling	control	VERB
fsr-3465	52	25	for	for	ADP
fsr-3465	52	26	other	other	ADJ
fsr-3465	52	27	factors	factor	NOUN
fsr-3465	52	28	that	that	PRON
fsr-3465	52	29	might	might	AUX
fsr-3465	52	30	influence	influence	VERB
fsr-3465	52	31	these	these	DET
fsr-3465	52	32	outcomes	outcome	NOUN
fsr-3465	52	33	for	for	ADP
fsr-3465	52	34	college	college	NOUN
fsr-3465	52	35	students	student	NOUN
fsr-3465	52	36	.	.	PUNCT
fsr-3465	53	1	the	the	DET
fsr-3465	53	2	results	result	NOUN
fsr-3465	53	3	suggest	suggest	VERB
fsr-3465	53	4	that	that	SCONJ
fsr-3465	53	5	,	,	PUNCT
fsr-3465	53	6	although	although	SCONJ
fsr-3465	53	7	pfp	pfp	PROPN
fsr-3465	53	8	and	and	CCONJ
fsr-3465	53	9	control	control	PROPN
fsr-3465	53	10	group	group	NOUN
fsr-3465	53	11	participants	participant	NOUN
fsr-3465	53	12	do	do	AUX
fsr-3465	53	13	not	not	PART
fsr-3465	53	14	differ	differ	VERB
fsr-3465	53	15	in	in	ADP
fsr-3465	53	16	knowledge	knowledge	NOUN
fsr-3465	53	17	at	at	ADP
fsr-3465	53	18	baseline	baseline	NOUN
fsr-3465	53	19	,	,	PUNCT
fsr-3465	53	20	pfp	pfp	PROPN
fsr-3465	53	21	participants	participant	NOUN
fsr-3465	53	22	show	show	VERB
fsr-3465	53	23	significantly	significantly	ADV
fsr-3465	53	24	higher	high	ADJ
fsr-3465	53	25	financial	financial	ADJ
fsr-3465	53	26	knowledge	knowledge	NOUN
fsr-3465	53	27	levels	level	NOUN
fsr-3465	53	28	from	from	ADP
fsr-3465	53	29	the	the	DET
fsr-3465	53	30	preto	preto	NOUN
fsr-3465	53	31	the	the	DET
fsr-3465	53	32	post	post	NOUN
fsr-3465	53	33	-	-	NOUN
fsr-3465	53	34	test	test	NOUN
fsr-3465	53	35	,	,	PUNCT
fsr-3465	53	36	as	as	ADV
fsr-3465	53	37	well	well	ADV
fsr-3465	53	38	higher	high	ADJ
fsr-3465	53	39	financial	financial	ADJ
fsr-3465	53	40	knowledge	knowledge	NOUN
fsr-3465	53	41	than	than	ADP
fsr-3465	53	42	control	control	NOUN
fsr-3465	53	43	subjects	subject	NOUN
fsr-3465	53	44	after	after	ADP
fsr-3465	53	45	completing	complete	VERB
fsr-3465	53	46	the	the	DET
fsr-3465	53	47	pfp	pfp	PROPN
fsr-3465	53	48	.	.	PUNCT
fsr-3465	54	1	the	the	DET
fsr-3465	54	2	findings	finding	NOUN
fsr-3465	54	3	for	for	ADP
fsr-3465	54	4	participants	participant	NOUN
fsr-3465	54	5	’	'	PUNCT
fsr-3465	54	6	confidence	confidence	NOUN
fsr-3465	54	7	in	in	ADP
fsr-3465	54	8	their	their	PRON
fsr-3465	54	9	ability	ability	NOUN
fsr-3465	54	10	to	to	PART
fsr-3465	54	11	manage	manage	VERB
fsr-3465	54	12	their	their	PRON
fsr-3465	54	13	financial	financial	ADJ
fsr-3465	54	14	future	future	NOUN
fsr-3465	54	15	are	be	AUX
fsr-3465	54	16	similar	similar	ADJ
fsr-3465	54	17	;	;	PUNCT
fsr-3465	54	18	participants	participant	NOUN
fsr-3465	54	19	are	be	AUX
fsr-3465	54	20	more	more	ADV
fsr-3465	54	21	confident	confident	ADJ
fsr-3465	54	22	about	about	ADP
fsr-3465	54	23	their	their	PRON
fsr-3465	54	24	financial	financial	ADJ
fsr-3465	54	25	outlook	outlook	NOUN
fsr-3465	54	26	compared	compare	VERB
fsr-3465	54	27	with	with	ADP
fsr-3465	54	28	before	before	ADP
fsr-3465	54	29	the	the	DET
fsr-3465	54	30	pfp	pfp	PROPN
fsr-3465	54	31	,	,	PUNCT
fsr-3465	54	32	and	and	CCONJ
fsr-3465	54	33	the	the	DET
fsr-3465	54	34	control	control	NOUN
fsr-3465	54	35	group	group	NOUN
fsr-3465	54	36	shows	show	VERB
fsr-3465	54	37	no	no	DET
fsr-3465	54	38	change	change	NOUN
fsr-3465	54	39	in	in	ADP
fsr-3465	54	40	confidence	confidence	NOUN
fsr-3465	54	41	over	over	ADP
fsr-3465	54	42	time	time	NOUN
fsr-3465	54	43	.	.	PUNCT
fsr-3465	55	1	on	on	ADP
fsr-3465	55	2	the	the	DET
fsr-3465	55	3	surface	surface	NOUN
fsr-3465	55	4	,	,	PUNCT
fsr-3465	55	5	the	the	DET
fsr-3465	55	6	finding	finding	NOUN
fsr-3465	55	7	about	about	ADP
fsr-3465	55	8	improved	improved	ADJ
fsr-3465	55	9	confidence	confidence	NOUN
fsr-3465	55	10	may	may	AUX
fsr-3465	55	11	seem	seem	VERB
fsr-3465	55	12	suspect	suspect	ADJ
fsr-3465	55	13	,	,	PUNCT
fsr-3465	55	14	given	give	VERB
fsr-3465	55	15	that	that	SCONJ
fsr-3465	55	16	people	people	NOUN
fsr-3465	55	17	are	be	AUX
fsr-3465	55	18	often	often	ADV
fsr-3465	55	19	overconfident	overconfident	ADJ
fsr-3465	55	20	about	about	ADP
fsr-3465	55	21	their	their	PRON
fsr-3465	55	22	financial	financial	ADJ
fsr-3465	55	23	future	future	NOUN
fsr-3465	55	24	.	.	PUNCT
fsr-3465	56	1	however	however	ADV
fsr-3465	56	2	,	,	PUNCT
fsr-3465	56	3	additional	additional	ADJ
fsr-3465	56	4	analysis	analysis	NOUN
fsr-3465	56	5	demonstrates	demonstrate	VERB
fsr-3465	56	6	that	that	SCONJ
fsr-3465	56	7	seminar	seminar	NOUN
fsr-3465	56	8	participants	participant	NOUN
fsr-3465	56	9	not	not	PART
fsr-3465	56	10	only	only	ADV
fsr-3465	56	11	increase	increase	VERB
fsr-3465	56	12	their	their	PRON
fsr-3465	56	13	confidence	confidence	NOUN
fsr-3465	56	14	,	,	PUNCT
fsr-3465	56	15	but	but	CCONJ
fsr-3465	56	16	that	that	SCONJ
fsr-3465	56	17	this	this	DET
fsr-3465	56	18	increase	increase	NOUN
fsr-3465	56	19	is	be	AUX
fsr-3465	56	20	calibrated	calibrate	VERB
fsr-3465	56	21	with	with	ADP
fsr-3465	56	22	increases	increase	NOUN
fsr-3465	56	23	in	in	ADP
fsr-3465	56	24	knowledge	knowledge	NOUN
fsr-3465	56	25	level	level	NOUN
fsr-3465	56	26	,	,	PUNCT
fsr-3465	56	27	a	a	DET
fsr-3465	56	28	result	result	NOUN
fsr-3465	56	29	not	not	PART
fsr-3465	56	30	found	find	VERB
fsr-3465	56	31	for	for	ADP
fsr-3465	56	32	the	the	DET
fsr-3465	56	33	control	control	NOUN
fsr-3465	56	34	group	group	NOUN
fsr-3465	56	35	.	.	PUNCT
fsr-3465	57	1	a	a	DET
fsr-3465	57	2	particularly	particularly	ADV
fsr-3465	57	3	encouraging	encouraging	ADJ
fsr-3465	57	4	set	set	NOUN
fsr-3465	57	5	of	of	ADP
fsr-3465	57	6	findings	finding	NOUN
fsr-3465	57	7	relate	relate	VERB
fsr-3465	57	8	to	to	ADP
fsr-3465	57	9	participant	participant	ADJ
fsr-3465	57	10	gender	gender	NOUN
fsr-3465	57	11	and	and	CCONJ
fsr-3465	57	12	minority	minority	NOUN
fsr-3465	57	13	classification	classification	NOUN
fsr-3465	57	14	.	.	PUNCT
fsr-3465	58	1	according	accord	VERB
fsr-3465	58	2	to	to	ADP
fsr-3465	58	3	pre	pre	ADJ
fsr-3465	58	4	-	-	ADJ
fsr-3465	58	5	pfp	pfp	ADJ
fsr-3465	58	6	survey	survey	NOUN
fsr-3465	58	7	results	result	NOUN
fsr-3465	58	8	,	,	PUNCT
fsr-3465	58	9	and	and	CCONJ
fsr-3465	58	10	consistent	consistent	ADJ
fsr-3465	58	11	with	with	ADP
fsr-3465	58	12	prior	prior	ADJ
fsr-3465	58	13	work	work	NOUN
fsr-3465	58	14	(	(	PUNCT
fsr-3465	58	15	lusardi	lusardi	PROPN
fsr-3465	58	16	&	&	CCONJ
fsr-3465	58	17	mitchell	mitchell	PROPN
fsr-3465	58	18	,	,	PUNCT
fsr-3465	58	19	2014	2014	NUM
fsr-3465	58	20	and	and	CCONJ
fsr-3465	58	21	others	other	NOUN
fsr-3465	58	22	)	)	PUNCT
fsr-3465	58	23	,	,	PUNCT
fsr-3465	58	24	individuals	individual	NOUN
fsr-3465	58	25	who	who	PRON
fsr-3465	58	26	are	be	AUX
fsr-3465	58	27	female	female	ADJ
fsr-3465	58	28	or	or	CCONJ
fsr-3465	58	29	represent	represent	VERB
fsr-3465	58	30	a	a	DET
fsr-3465	58	31	minority	minority	NOUN
fsr-3465	58	32	group	group	NOUN
fsr-3465	58	33	scored	score	VERB
fsr-3465	58	34	significantly	significantly	ADV
fsr-3465	58	35	lower	lower	ADV
fsr-3465	58	36	on	on	ADP
fsr-3465	58	37	the	the	DET
fsr-3465	58	38	financial	financial	ADJ
fsr-3465	58	39	knowledge	knowledge	NOUN
fsr-3465	58	40	test	test	NOUN
fsr-3465	58	41	.	.	PUNCT
fsr-3465	59	1	however	however	ADV
fsr-3465	59	2	,	,	PUNCT
fsr-3465	59	3	participation	participation	NOUN
fsr-3465	59	4	in	in	ADP
fsr-3465	59	5	the	the	DET
fsr-3465	59	6	pfp	pfp	PROPN
fsr-3465	59	7	program	program	NOUN
fsr-3465	59	8	largely	largely	ADV
fsr-3465	59	9	eliminates	eliminate	VERB
fsr-3465	59	10	the	the	DET
fsr-3465	59	11	knowledge	knowledge	NOUN
fsr-3465	59	12	gap	gap	NOUN
fsr-3465	59	13	between	between	ADP
fsr-3465	59	14	women	woman	NOUN
fsr-3465	59	15	and	and	CCONJ
fsr-3465	59	16	men	man	NOUN
fsr-3465	59	17	and	and	CCONJ
fsr-3465	59	18	between	between	ADP
fsr-3465	59	19	j.	j.	PROPN
fsr-3465	59	20	handy	handy	PROPN
fsr-3465	59	21	et	et	PROPN
fsr-3465	59	22	al	al	PROPN
fsr-3465	59	23	.	.	PUNCT
fsr-3465	59	24	/	/	SYM
fsr-3465	59	25	financial	financial	ADJ
fsr-3465	59	26	services	service	NOUN
fsr-3465	59	27	review	review	VERB
fsr-3465	59	28	29	29	NUM
fsr-3465	59	29	(	(	PUNCT
fsr-3465	59	30	2021	2021	NUM
fsr-3465	59	31	)	)	PUNCT
fsr-3465	60	1	315–341	315–341	NUM
fsr-3465	60	2	317	317	NUM
fsr-3465	60	3	minorities	minority	NOUN
fsr-3465	60	4	and	and	CCONJ
fsr-3465	60	5	whites	white	NOUN
fsr-3465	60	6	.	.	PUNCT
fsr-3465	61	1	additionally	additionally	ADV
fsr-3465	61	2	,	,	PUNCT
fsr-3465	61	3	women	woman	NOUN
fsr-3465	61	4	and	and	CCONJ
fsr-3465	61	5	minorities	minority	NOUN
fsr-3465	61	6	significantly	significantly	ADV
fsr-3465	61	7	improve	improve	VERB
fsr-3465	61	8	their	their	PRON
fsr-3465	61	9	confidence	confidence	NOUN
fsr-3465	61	10	in	in	ADP
fsr-3465	61	11	managing	manage	VERB
fsr-3465	61	12	their	their	PRON
fsr-3465	61	13	financial	financial	ADJ
fsr-3465	61	14	future	future	NOUN
fsr-3465	61	15	after	after	ADP
fsr-3465	61	16	completing	complete	VERB
fsr-3465	61	17	the	the	DET
fsr-3465	61	18	pfp	pfp	PROPN
fsr-3465	61	19	.	.	PUNCT
fsr-3465	62	1	these	these	DET
fsr-3465	62	2	findings	finding	NOUN
fsr-3465	62	3	suggest	suggest	VERB
fsr-3465	62	4	that	that	SCONJ
fsr-3465	62	5	this	this	DET
fsr-3465	62	6	program	program	NOUN
fsr-3465	62	7	(	(	PUNCT
fsr-3465	62	8	1	1	X
fsr-3465	62	9	)	)	PUNCT
fsr-3465	62	10	is	be	AUX
fsr-3465	62	11	a	a	DET
fsr-3465	62	12	valid	valid	ADJ
fsr-3465	62	13	tool	tool	NOUN
fsr-3465	62	14	for	for	ADP
fsr-3465	62	15	improving	improve	VERB
fsr-3465	62	16	financial	financial	ADJ
fsr-3465	62	17	knowledge	knowledge	NOUN
fsr-3465	62	18	that	that	SCONJ
fsr-3465	62	19	others	other	NOUN
fsr-3465	62	20	should	should	AUX
fsr-3465	62	21	consider	consider	VERB
fsr-3465	62	22	employing	employ	VERB
fsr-3465	62	23	and	and	CCONJ
fsr-3465	62	24	(	(	PUNCT
fsr-3465	62	25	2	2	X
fsr-3465	62	26	)	)	PUNCT
fsr-3465	62	27	provides	provide	VERB
fsr-3465	62	28	evidence	evidence	NOUN
fsr-3465	62	29	that	that	SCONJ
fsr-3465	62	30	a	a	DET
fsr-3465	62	31	follow	follow	VERB
fsr-3465	62	32	-	-	PUNCT
fsr-3465	62	33	up	up	ADP
fsr-3465	62	34	study	study	NOUN
fsr-3465	62	35	linking	link	VERB
fsr-3465	62	36	increased	increase	VERB
fsr-3465	62	37	knowledge	knowledge	NOUN
fsr-3465	62	38	and	and	CCONJ
fsr-3465	62	39	confidence	confidence	NOUN
fsr-3465	62	40	more	more	ADV
fsr-3465	62	41	directly	directly	ADV
fsr-3465	62	42	to	to	ADP
fsr-3465	62	43	financial	financial	ADJ
fsr-3465	62	44	behaviors	behavior	NOUN
fsr-3465	62	45	is	be	AUX
fsr-3465	62	46	worthwhile	worthwhile	ADJ
fsr-3465	62	47	.	.	PUNCT
fsr-3465	63	1	as	as	ADP
fsr-3465	63	2	such	such	ADJ
fsr-3465	63	3	,	,	PUNCT
fsr-3465	63	4	the	the	DET
fsr-3465	63	5	pfp	pfp	PROPN
fsr-3465	63	6	series	series	PROPN
fsr-3465	63	7	is	be	AUX
fsr-3465	63	8	the	the	DET
fsr-3465	63	9	first	first	ADJ
fsr-3465	63	10	step	step	NOUN
fsr-3465	63	11	in	in	ADP
fsr-3465	63	12	a	a	DET
fsr-3465	63	13	long	long	ADJ
fsr-3465	63	14	-	-	PUNCT
fsr-3465	63	15	term	term	NOUN
fsr-3465	63	16	research	research	NOUN
fsr-3465	63	17	program	program	NOUN
fsr-3465	63	18	in	in	ADP
fsr-3465	63	19	which	which	PRON
fsr-3465	63	20	students	student	NOUN
fsr-3465	63	21	will	will	AUX
fsr-3465	63	22	be	be	AUX
fsr-3465	63	23	surveyed	survey	VERB
fsr-3465	63	24	after	after	ADP
fsr-3465	63	25	graduation	graduation	NOUN
fsr-3465	63	26	to	to	PART
fsr-3465	63	27	ascertain	ascertain	VERB
fsr-3465	63	28	whether	whether	SCONJ
fsr-3465	63	29	students	student	NOUN
fsr-3465	63	30	participating	participate	VERB
fsr-3465	63	31	in	in	ADP
fsr-3465	63	32	the	the	DET
fsr-3465	63	33	pfp	pfp	PROPN
fsr-3465	63	34	demonstrate	demonstrate	VERB
fsr-3465	63	35	better	well	ADJ
fsr-3465	63	36	financial	financial	ADJ
fsr-3465	63	37	behaviors	behavior	NOUN
fsr-3465	63	38	than	than	ADP
fsr-3465	63	39	students	student	NOUN
fsr-3465	63	40	who	who	PRON
fsr-3465	63	41	do	do	VERB
fsr-3465	63	42	not	not	PART
fsr-3465	63	43	.	.	PUNCT
fsr-3465	64	1	that	that	DET
fsr-3465	64	2	research	research	NOUN
fsr-3465	64	3	is	be	AUX
fsr-3465	64	4	currently	currently	ADV
fsr-3465	64	5	underway	underway	ADJ
fsr-3465	64	6	.	.	PUNCT
fsr-3465	65	1	the	the	DET
fsr-3465	65	2	remainder	remainder	NOUN
fsr-3465	65	3	of	of	ADP
fsr-3465	65	4	this	this	DET
fsr-3465	65	5	paper	paper	NOUN
fsr-3465	65	6	is	be	AUX
fsr-3465	65	7	organized	organize	VERB
fsr-3465	65	8	as	as	SCONJ
fsr-3465	65	9	follows	follow	VERB
fsr-3465	65	10	:	:	PUNCT
fsr-3465	65	11	section	section	NOUN
fsr-3465	65	12	1	1	NUM
fsr-3465	65	13	overviews	overview	NOUN
fsr-3465	65	14	the	the	DET
fsr-3465	65	15	pfp	pfp	PROPN
fsr-3465	65	16	,	,	PUNCT
fsr-3465	65	17	including	include	VERB
fsr-3465	65	18	the	the	DET
fsr-3465	65	19	recruitment	recruitment	NOUN
fsr-3465	65	20	process	process	NOUN
fsr-3465	65	21	,	,	PUNCT
fsr-3465	65	22	seminar	seminar	NOUN
fsr-3465	65	23	structures	structure	NOUN
fsr-3465	65	24	,	,	PUNCT
fsr-3465	65	25	and	and	CCONJ
fsr-3465	65	26	curriculum	curriculum	NOUN
fsr-3465	65	27	.	.	PUNCT
fsr-3465	66	1	section	section	NOUN
fsr-3465	66	2	2	2	NUM
fsr-3465	66	3	reviews	review	VERB
fsr-3465	66	4	the	the	DET
fsr-3465	66	5	literature	literature	NOUN
fsr-3465	66	6	regarding	regard	VERB
fsr-3465	66	7	financial	financial	ADJ
fsr-3465	66	8	knowledge	knowledge	NOUN
fsr-3465	66	9	and	and	CCONJ
fsr-3465	66	10	literacy	literacy	NOUN
fsr-3465	66	11	.	.	PUNCT
fsr-3465	67	1	section	section	NOUN
fsr-3465	67	2	3	3	NUM
fsr-3465	67	3	details	detail	NOUN
fsr-3465	67	4	the	the	DET
fsr-3465	67	5	survey	survey	NOUN
fsr-3465	67	6	instruments	instrument	NOUN
fsr-3465	67	7	used	use	VERB
fsr-3465	67	8	in	in	ADP
fsr-3465	67	9	the	the	DET
fsr-3465	67	10	study	study	NOUN
fsr-3465	67	11	.	.	PUNCT
fsr-3465	68	1	section	section	NOUN
fsr-3465	68	2	4	4	NUM
fsr-3465	68	3	discusses	discuss	VERB
fsr-3465	68	4	hypothesis	hypothesis	NOUN
fsr-3465	68	5	development	development	NOUN
fsr-3465	68	6	,	,	PUNCT
fsr-3465	68	7	introduces	introduce	VERB
fsr-3465	68	8	the	the	DET
fsr-3465	68	9	empirical	empirical	ADJ
fsr-3465	68	10	model	model	NOUN
fsr-3465	68	11	and	and	CCONJ
fsr-3465	68	12	provides	provide	VERB
fsr-3465	68	13	a	a	DET
fsr-3465	68	14	preliminary	preliminary	ADJ
fsr-3465	68	15	analysis	analysis	NOUN
fsr-3465	68	16	of	of	ADP
fsr-3465	68	17	data	datum	NOUN
fsr-3465	68	18	.	.	PUNCT
fsr-3465	69	1	section	section	NOUN
fsr-3465	69	2	5	5	NUM
fsr-3465	69	3	empirically	empirically	ADV
fsr-3465	69	4	evaluates	evaluate	VERB
fsr-3465	69	5	the	the	DET
fsr-3465	69	6	effectiveness	effectiveness	NOUN
fsr-3465	69	7	of	of	ADP
fsr-3465	69	8	the	the	DET
fsr-3465	69	9	pfp	pfp	PROPN
fsr-3465	69	10	in	in	ADP
fsr-3465	69	11	a	a	DET
fsr-3465	69	12	multivariate	multivariate	NOUN
fsr-3465	69	13	framework	framework	NOUN
fsr-3465	69	14	.	.	PUNCT
fsr-3465	70	1	section	section	NOUN
fsr-3465	70	2	6	6	NUM
fsr-3465	70	3	provides	provide	VERB
fsr-3465	70	4	conclusions	conclusion	NOUN
fsr-3465	70	5	.	.	PUNCT
fsr-3465	71	1	2	2	X
fsr-3465	71	2	.	.	X
fsr-3465	71	3	section	section	NOUN
fsr-3465	71	4	1	1	NUM
fsr-3465	71	5	:	:	PUNCT
fsr-3465	71	6	pfp	pfp	PROPN
fsr-3465	71	7	overview	overview	NOUN
fsr-3465	71	8	and	and	CCONJ
fsr-3465	71	9	research	research	NOUN
fsr-3465	71	10	method	method	NOUN
fsr-3465	71	11	the	the	DET
fsr-3465	71	12	pfp	pfp	PROPN
fsr-3465	71	13	was	be	AUX
fsr-3465	71	14	developed	develop	VERB
fsr-3465	71	15	and	and	CCONJ
fsr-3465	71	16	has	have	AUX
fsr-3465	71	17	been	be	AUX
fsr-3465	71	18	taught	teach	VERB
fsr-3465	71	19	by	by	ADP
fsr-3465	71	20	a	a	DET
fsr-3465	71	21	team	team	NOUN
fsr-3465	71	22	of	of	ADP
fsr-3465	71	23	faculty	faculty	NOUN
fsr-3465	71	24	for	for	ADP
fsr-3465	71	25	seniors	senior	NOUN
fsr-3465	71	26	at	at	ADP
fsr-3465	71	27	a	a	DET
fsr-3465	71	28	private	private	ADJ
fsr-3465	71	29	liberal	liberal	ADJ
fsr-3465	71	30	arts	art	NOUN
fsr-3465	71	31	college	college	NOUN
fsr-3465	71	32	over	over	ADP
fsr-3465	71	33	the	the	DET
fsr-3465	71	34	2017	2017	NUM
fsr-3465	71	35	-	-	SYM
fsr-3465	71	36	2019	2019	NUM
fsr-3465	71	37	period.2	period.2	NOUN
fsr-3465	71	38	the	the	DET
fsr-3465	71	39	program	program	NOUN
fsr-3465	71	40	consists	consist	VERB
fsr-3465	71	41	of	of	ADP
fsr-3465	71	42	six	six	NUM
fsr-3465	71	43	individual	individual	ADJ
fsr-3465	71	44	sessions	session	NOUN
fsr-3465	71	45	(	(	PUNCT
fsr-3465	71	46	the	the	DET
fsr-3465	71	47	curriculum	curriculum	NOUN
fsr-3465	71	48	is	be	AUX
fsr-3465	71	49	described	describe	VERB
fsr-3465	71	50	below	below	ADP
fsr-3465	71	51	)	)	PUNCT
fsr-3465	71	52	and	and	CCONJ
fsr-3465	71	53	is	be	AUX
fsr-3465	71	54	strictly	strictly	ADV
fsr-3465	71	55	voluntary	voluntary	ADJ
fsr-3465	71	56	,	,	PUNCT
fsr-3465	71	57	with	with	ADP
fsr-3465	71	58	students	student	NOUN
fsr-3465	71	59	attending	attend	VERB
fsr-3465	71	60	as	as	ADV
fsr-3465	71	61	many	many	ADJ
fsr-3465	71	62	or	or	CCONJ
fsr-3465	71	63	as	as	ADP
fsr-3465	71	64	few	few	ADJ
fsr-3465	71	65	sessions	session	NOUN
fsr-3465	71	66	as	as	SCONJ
fsr-3465	71	67	they	they	PRON
fsr-3465	71	68	wish	wish	VERB
fsr-3465	71	69	.	.	PUNCT
fsr-3465	72	1	programs	program	NOUN
fsr-3465	72	2	are	be	AUX
fsr-3465	72	3	normally	normally	ADV
fsr-3465	72	4	offered	offer	VERB
fsr-3465	72	5	during	during	ADP
fsr-3465	72	6	the	the	DET
fsr-3465	72	7	fall	fall	NOUN
fsr-3465	72	8	and	and	CCONJ
fsr-3465	72	9	spring	spring	NOUN
fsr-3465	72	10	semesters	semester	NOUN
fsr-3465	72	11	,	,	PUNCT
fsr-3465	72	12	one	one	NUM
fsr-3465	72	13	night	night	NOUN
fsr-3465	72	14	per	per	ADP
fsr-3465	72	15	week	week	NOUN
fsr-3465	72	16	for	for	ADP
fsr-3465	72	17	six	six	NUM
fsr-3465	72	18	weeks	week	NOUN
fsr-3465	72	19	in	in	ADP
fsr-3465	72	20	a	a	DET
fsr-3465	72	21	face	face	NOUN
fsr-3465	72	22	-	-	PUNCT
fsr-3465	72	23	to	to	ADP
fsr-3465	72	24	-	-	PUNCT
fsr-3465	72	25	face	face	NOUN
fsr-3465	72	26	format	format	NOUN
fsr-3465	72	27	.	.	PUNCT
fsr-3465	73	1	senior	senior	ADJ
fsr-3465	73	2	-	-	PUNCT
fsr-3465	73	3	class	class	NOUN
fsr-3465	73	4	student	student	NOUN
fsr-3465	73	5	participants	participant	NOUN
fsr-3465	73	6	are	be	AUX
fsr-3465	73	7	solicited	solicit	VERB
fsr-3465	73	8	at	at	ADP
fsr-3465	73	9	the	the	DET
fsr-3465	73	10	beginning	beginning	NOUN
fsr-3465	73	11	of	of	ADP
fsr-3465	73	12	each	each	DET
fsr-3465	73	13	semester	semester	NOUN
fsr-3465	73	14	via	via	ADP
fsr-3465	73	15	an	an	DET
fsr-3465	73	16	email	email	NOUN
fsr-3465	73	17	outlining	outline	VERB
fsr-3465	73	18	the	the	DET
fsr-3465	73	19	program	program	NOUN
fsr-3465	73	20	content	content	NOUN
fsr-3465	73	21	and	and	CCONJ
fsr-3465	73	22	voluntary	voluntary	ADJ
fsr-3465	73	23	time	time	NOUN
fsr-3465	73	24	commitment	commitment	NOUN
fsr-3465	73	25	.	.	PUNCT
fsr-3465	74	1	additionally	additionally	ADV
fsr-3465	74	2	,	,	PUNCT
fsr-3465	74	3	an	an	DET
fsr-3465	74	4	email	email	NOUN
fsr-3465	74	5	is	be	AUX
fsr-3465	74	6	sent	send	VERB
fsr-3465	74	7	to	to	ADP
fsr-3465	74	8	the	the	DET
fsr-3465	74	9	parents	parent	NOUN
fsr-3465	74	10	of	of	ADP
fsr-3465	74	11	seniors	senior	NOUN
fsr-3465	74	12	detailing	detail	VERB
fsr-3465	74	13	the	the	DET
fsr-3465	74	14	program	program	NOUN
fsr-3465	74	15	.	.	PUNCT
fsr-3465	75	1	only	only	ADV
fsr-3465	75	2	seniors	senior	NOUN
fsr-3465	75	3	are	be	AUX
fsr-3465	75	4	recruited	recruit	VERB
fsr-3465	75	5	for	for	ADP
fsr-3465	75	6	the	the	DET
fsr-3465	75	7	program	program	NOUN
fsr-3465	75	8	because	because	SCONJ
fsr-3465	75	9	they	they	PRON
fsr-3465	75	10	are	be	AUX
fsr-3465	75	11	about	about	ADJ
fsr-3465	75	12	to	to	PART
fsr-3465	75	13	face	face	VERB
fsr-3465	75	14	the	the	DET
fsr-3465	75	15	challenges	challenge	NOUN
fsr-3465	75	16	of	of	ADP
fsr-3465	75	17	real	real	ADJ
fsr-3465	75	18	-	-	PUNCT
fsr-3465	75	19	world	world	NOUN
fsr-3465	75	20	financial	financial	ADJ
fsr-3465	75	21	choices	choice	NOUN
fsr-3465	75	22	.	.	PUNCT
fsr-3465	76	1	anecdotally	anecdotally	ADV
fsr-3465	76	2	,	,	PUNCT
fsr-3465	76	3	program	program	NOUN
fsr-3465	76	4	developers	developer	NOUN
fsr-3465	76	5	found	find	VERB
fsr-3465	76	6	that	that	SCONJ
fsr-3465	76	7	seniors	senior	NOUN
fsr-3465	76	8	begin	begin	VERB
fsr-3465	76	9	to	to	PART
fsr-3465	76	10	take	take	VERB
fsr-3465	76	11	financial	financial	ADJ
fsr-3465	76	12	issues	issue	NOUN
fsr-3465	76	13	more	more	ADV
fsr-3465	76	14	seriously	seriously	ADV
fsr-3465	76	15	as	as	SCONJ
fsr-3465	76	16	they	they	PRON
fsr-3465	76	17	realize	realize	VERB
fsr-3465	76	18	that	that	SCONJ
fsr-3465	76	19	they	they	PRON
fsr-3465	76	20	will	will	AUX
fsr-3465	76	21	soon	soon	ADV
fsr-3465	76	22	be	be	AUX
fsr-3465	76	23	in	in	ADP
fsr-3465	76	24	the	the	DET
fsr-3465	76	25	“	"	PUNCT
fsr-3465	76	26	real	real	ADJ
fsr-3465	76	27	world	world	NOUN
fsr-3465	76	28	.	.	PUNCT
fsr-3465	76	29	”	"	PUNCT
fsr-3465	77	1	indeed	indeed	ADV
fsr-3465	77	2	,	,	PUNCT
fsr-3465	77	3	students	student	NOUN
fsr-3465	77	4	generally	generally	ADV
fsr-3465	77	5	report	report	VERB
fsr-3465	77	6	that	that	SCONJ
fsr-3465	77	7	they	they	PRON
fsr-3465	77	8	sign	sign	VERB
fsr-3465	77	9	-	-	PUNCT
fsr-3465	77	10	up	up	NOUN
fsr-3465	77	11	for	for	ADP
fsr-3465	77	12	the	the	DET
fsr-3465	77	13	program	program	NOUN
fsr-3465	77	14	because	because	SCONJ
fsr-3465	77	15	they	they	PRON
fsr-3465	77	16	believe	believe	VERB
fsr-3465	77	17	learning	learn	VERB
fsr-3465	77	18	the	the	DET
fsr-3465	77	19	information	information	NOUN
fsr-3465	77	20	is	be	AUX
fsr-3465	77	21	important	important	ADJ
fsr-3465	77	22	(	(	PUNCT
fsr-3465	77	23	i.e.	i.e.	X
fsr-3465	77	24	,	,	PUNCT
fsr-3465	77	25	a	a	DET
fsr-3465	77	26	question	question	NOUN
fsr-3465	77	27	on	on	ADP
fsr-3465	77	28	the	the	DET
fsr-3465	77	29	seminar	seminar	NOUN
fsr-3465	77	30	participant	participant	NOUN
fsr-3465	77	31	presurvey	presurvey	NOUN
fsr-3465	77	32	asks	ask	VERB
fsr-3465	77	33	if	if	SCONJ
fsr-3465	77	34	students	student	NOUN
fsr-3465	77	35	are	be	AUX
fsr-3465	77	36	attending	attend	VERB
fsr-3465	77	37	because	because	SCONJ
fsr-3465	77	38	“	"	PUNCT
fsr-3465	77	39	my	my	PRON
fsr-3465	77	40	parents	parent	NOUN
fsr-3465	77	41	‘	'	PUNCT
fsr-3465	77	42	gently	gently	ADV
fsr-3465	77	43	’	'	PUNCT
fsr-3465	77	44	encouraged	encourage	VERB
fsr-3465	77	45	me	i	PRON
fsr-3465	77	46	,	,	PUNCT
fsr-3465	77	47	”	"	PUNCT
fsr-3465	77	48	“	"	PUNCT
fsr-3465	77	49	i	i	PRON
fsr-3465	77	50	heard	hear	VERB
fsr-3465	77	51	about	about	ADP
fsr-3465	77	52	it	it	PRON
fsr-3465	77	53	from	from	ADP
fsr-3465	77	54	past	past	ADJ
fsr-3465	77	55	participants	participant	NOUN
fsr-3465	77	56	,	,	PUNCT
fsr-3465	77	57	”	"	PUNCT
fsr-3465	77	58	or	or	CCONJ
fsr-3465	77	59	“	"	PUNCT
fsr-3465	77	60	i	i	PRON
fsr-3465	77	61	recognize	recognize	VERB
fsr-3465	77	62	that	that	SCONJ
fsr-3465	77	63	i	i	PRON
fsr-3465	77	64	need	need	VERB
fsr-3465	77	65	to	to	PART
fsr-3465	77	66	know	know	VERB
fsr-3465	77	67	about	about	ADP
fsr-3465	77	68	these	these	DET
fsr-3465	77	69	topics	topic	NOUN
fsr-3465	77	70	.	.	PUNCT
fsr-3465	77	71	”	"	PUNCT
fsr-3465	78	1	almost	almost	ADV
fsr-3465	78	2	75	75	NUM
fsr-3465	78	3	%	%	NOUN
fsr-3465	78	4	report	report	NOUN
fsr-3465	78	5	that	that	SCONJ
fsr-3465	78	6	they	they	PRON
fsr-3465	78	7	participate	participate	VERB
fsr-3465	78	8	because	because	SCONJ
fsr-3465	78	9	they	they	PRON
fsr-3465	78	10	recognize	recognize	VERB
fsr-3465	78	11	that	that	SCONJ
fsr-3465	78	12	they	they	PRON
fsr-3465	78	13	need	need	VERB
fsr-3465	78	14	to	to	PART
fsr-3465	78	15	know	know	VERB
fsr-3465	78	16	about	about	ADP
fsr-3465	78	17	the	the	DET
fsr-3465	78	18	topics	topic	NOUN
fsr-3465	78	19	)	)	PUNCT
fsr-3465	78	20	.	.	PUNCT
fsr-3465	79	1	students	student	NOUN
fsr-3465	79	2	have	have	VERB
fsr-3465	79	3	approximately	approximately	ADV
fsr-3465	79	4	two	two	NUM
fsr-3465	79	5	weeks	week	NOUN
fsr-3465	79	6	to	to	PART
fsr-3465	79	7	register	register	VERB
fsr-3465	79	8	and	and	CCONJ
fsr-3465	79	9	several	several	ADJ
fsr-3465	79	10	reminder	reminder	NOUN
fsr-3465	79	11	emails	email	NOUN
fsr-3465	79	12	are	be	AUX
fsr-3465	79	13	sent	send	VERB
fsr-3465	79	14	out	out	ADP
fsr-3465	79	15	as	as	ADP
fsr-3465	79	16	the	the	DET
fsr-3465	79	17	deadline	deadline	NOUN
fsr-3465	79	18	approaches	approach	NOUN
fsr-3465	79	19	.	.	PUNCT
fsr-3465	80	1	from	from	ADP
fsr-3465	80	2	the	the	DET
fsr-3465	80	3	seniors	senior	NOUN
fsr-3465	80	4	not	not	PART
fsr-3465	80	5	participating	participate	VERB
fsr-3465	80	6	in	in	ADP
fsr-3465	80	7	the	the	DET
fsr-3465	80	8	pfp	pfp	PROPN
fsr-3465	80	9	,	,	PUNCT
fsr-3465	80	10	a	a	DET
fsr-3465	80	11	control	control	NOUN
fsr-3465	80	12	sample	sample	NOUN
fsr-3465	80	13	is	be	AUX
fsr-3465	80	14	recruited	recruit	VERB
fsr-3465	80	15	.	.	PUNCT
fsr-3465	81	1	before	before	ADP
fsr-3465	81	2	the	the	DET
fsr-3465	81	3	first	first	ADJ
fsr-3465	81	4	seminar	seminar	NOUN
fsr-3465	81	5	session	session	NOUN
fsr-3465	81	6	,	,	PUNCT
fsr-3465	81	7	both	both	CCONJ
fsr-3465	81	8	control	control	NOUN
fsr-3465	81	9	and	and	CCONJ
fsr-3465	81	10	treatment	treatment	NOUN
fsr-3465	81	11	groups	group	NOUN
fsr-3465	81	12	are	be	AUX
fsr-3465	81	13	introduced	introduce	VERB
fsr-3465	81	14	to	to	ADP
fsr-3465	81	15	the	the	DET
fsr-3465	81	16	logistics	logistic	NOUN
fsr-3465	81	17	and	and	CCONJ
fsr-3465	81	18	purpose	purpose	NOUN
fsr-3465	81	19	of	of	ADP
fsr-3465	81	20	the	the	DET
fsr-3465	81	21	research	research	NOUN
fsr-3465	81	22	portion	portion	NOUN
fsr-3465	81	23	of	of	ADP
fsr-3465	81	24	the	the	DET
fsr-3465	81	25	program	program	NOUN
fsr-3465	81	26	,	,	PUNCT
fsr-3465	81	27	and	and	CCONJ
fsr-3465	81	28	are	be	AUX
fsr-3465	81	29	asked	ask	VERB
fsr-3465	81	30	to	to	PART
fsr-3465	81	31	complete	complete	VERB
fsr-3465	81	32	two	two	NUM
fsr-3465	81	33	on	on	ADP
fsr-3465	81	34	-	-	PUNCT
fsr-3465	81	35	line	line	NOUN
fsr-3465	81	36	surveys	survey	NOUN
fsr-3465	81	37	(	(	PUNCT
fsr-3465	81	38	for	for	ADP
fsr-3465	81	39	students	student	NOUN
fsr-3465	81	40	in	in	ADP
fsr-3465	81	41	the	the	DET
fsr-3465	81	42	pfp	pfp	PROPN
fsr-3465	81	43	,	,	PUNCT
fsr-3465	81	44	these	these	PRON
fsr-3465	81	45	occur	occur	VERB
fsr-3465	81	46	before	before	ADV
fsr-3465	81	47	and	and	CCONJ
fsr-3465	81	48	after	after	SCONJ
fsr-3465	81	49	they	they	PRON
fsr-3465	81	50	take	take	VERB
fsr-3465	81	51	the	the	DET
fsr-3465	81	52	course	course	NOUN
fsr-3465	81	53	)	)	PUNCT
fsr-3465	81	54	.	.	PUNCT
fsr-3465	82	1	the	the	DET
fsr-3465	82	2	control	control	NOUN
fsr-3465	82	3	group	group	NOUN
fsr-3465	82	4	receives	receive	VERB
fsr-3465	82	5	a	a	DET
fsr-3465	82	6	survey	survey	NOUN
fsr-3465	82	7	approximately	approximately	ADV
fsr-3465	82	8	six	six	NUM
fsr-3465	82	9	weeks	week	NOUN
fsr-3465	82	10	after	after	ADP
fsr-3465	82	11	the	the	DET
fsr-3465	82	12	initial	initial	ADJ
fsr-3465	82	13	survey	survey	NOUN
fsr-3465	82	14	.	.	PUNCT
fsr-3465	83	1	in	in	ADP
fsr-3465	83	2	addition	addition	NOUN
fsr-3465	83	3	to	to	ADP
fsr-3465	83	4	demographic	demographic	ADJ
fsr-3465	83	5	information	information	NOUN
fsr-3465	83	6	,	,	PUNCT
fsr-3465	83	7	a	a	DET
fsr-3465	83	8	series	series	NOUN
fsr-3465	83	9	of	of	ADP
fsr-3465	83	10	20	20	NUM
fsr-3465	83	11	questions	question	NOUN
fsr-3465	83	12	is	be	AUX
fsr-3465	83	13	used	use	VERB
fsr-3465	83	14	to	to	PART
fsr-3465	83	15	assess	assess	VERB
fsr-3465	83	16	financial	financial	ADJ
fsr-3465	83	17	knowledge	knowledge	NOUN
fsr-3465	83	18	levels	level	NOUN
fsr-3465	83	19	.	.	PUNCT
fsr-3465	84	1	when	when	SCONJ
fsr-3465	84	2	participants	participant	NOUN
fsr-3465	84	3	indicate	indicate	VERB
fsr-3465	84	4	they	they	PRON
fsr-3465	84	5	want	want	VERB
fsr-3465	84	6	to	to	PART
fsr-3465	84	7	participate	participate	VERB
fsr-3465	84	8	,	,	PUNCT
fsr-3465	84	9	they	they	PRON
fsr-3465	84	10	complete	complete	VERB
fsr-3465	84	11	the	the	DET
fsr-3465	84	12	presurvey	presurvey	NOUN
fsr-3465	84	13	online	online	ADV
fsr-3465	84	14	.	.	PUNCT
fsr-3465	85	1	318	318	NUM
fsr-3465	85	2	j.	j.	PROPN
fsr-3465	85	3	handy	handy	PROPN
fsr-3465	85	4	et	et	PROPN
fsr-3465	85	5	al	al	PROPN
fsr-3465	85	6	.	.	PUNCT
fsr-3465	85	7	/	/	SYM
fsr-3465	85	8	financial	financial	ADJ
fsr-3465	85	9	services	service	NOUN
fsr-3465	85	10	review	review	VERB
fsr-3465	85	11	29	29	NUM
fsr-3465	85	12	(	(	PUNCT
fsr-3465	85	13	2021	2021	NUM
fsr-3465	85	14	)	)	PUNCT
fsr-3465	86	1	315–341	315–341	NUM
fsr-3465	86	2	each	each	DET
fsr-3465	86	3	pfp	pfp	PROPN
fsr-3465	86	4	session	session	NOUN
fsr-3465	86	5	has	have	VERB
fsr-3465	86	6	a	a	DET
fsr-3465	86	7	lecture	lecture	NOUN
fsr-3465	86	8	format	format	NOUN
fsr-3465	86	9	,	,	PUNCT
fsr-3465	86	10	but	but	CCONJ
fsr-3465	86	11	students	student	NOUN
fsr-3465	86	12	are	be	AUX
fsr-3465	86	13	encouraged	encourage	VERB
fsr-3465	86	14	to	to	PART
fsr-3465	86	15	ask	ask	VERB
fsr-3465	86	16	questions	question	NOUN
fsr-3465	86	17	.	.	PUNCT
fsr-3465	87	1	although	although	SCONJ
fsr-3465	87	2	there	there	PRON
fsr-3465	87	3	is	be	VERB
fsr-3465	87	4	some	some	DET
fsr-3465	87	5	curriculum	curriculum	NOUN
fsr-3465	87	6	variance	variance	NOUN
fsr-3465	87	7	across	across	ADP
fsr-3465	87	8	program	program	NOUN
fsr-3465	87	9	offerings	offering	NOUN
fsr-3465	87	10	each	each	DET
fsr-3465	87	11	semester	semester	NOUN
fsr-3465	87	12	,	,	PUNCT
fsr-3465	87	13	it	it	PRON
fsr-3465	87	14	is	be	AUX
fsr-3465	87	15	minimal	minimal	ADJ
fsr-3465	87	16	,	,	PUNCT
fsr-3465	87	17	as	as	SCONJ
fsr-3465	87	18	the	the	DET
fsr-3465	87	19	same	same	ADJ
fsr-3465	87	20	slides	slide	NOUN
fsr-3465	87	21	are	be	AUX
fsr-3465	87	22	used	use	VERB
fsr-3465	87	23	during	during	ADP
fsr-3465	87	24	each	each	DET
fsr-3465	87	25	program	program	NOUN
fsr-3465	87	26	offering	offering	NOUN
fsr-3465	87	27	to	to	PART
fsr-3465	87	28	maintain	maintain	VERB
fsr-3465	87	29	curriculum	curriculum	NOUN
fsr-3465	87	30	consistency	consistency	NOUN
fsr-3465	87	31	.	.	PUNCT
fsr-3465	88	1	the	the	DET
fsr-3465	88	2	curriculum	curriculum	NOUN
fsr-3465	88	3	covers	cover	VERB
fsr-3465	88	4	budgeting	budgeting	NOUN
fsr-3465	88	5	,	,	PUNCT
fsr-3465	88	6	credit	credit	NOUN
fsr-3465	88	7	management	management	NOUN
fsr-3465	88	8	,	,	PUNCT
fsr-3465	88	9	risk	risk	NOUN
fsr-3465	88	10	and	and	CCONJ
fsr-3465	88	11	return	return	NOUN
fsr-3465	88	12	,	,	PUNCT
fsr-3465	88	13	mutual	mutual	ADJ
fsr-3465	88	14	funds	fund	NOUN
fsr-3465	88	15	,	,	PUNCT
fsr-3465	88	16	retirement	retirement	NOUN
fsr-3465	88	17	planning	planning	NOUN
fsr-3465	88	18	,	,	PUNCT
fsr-3465	88	19	and	and	CCONJ
fsr-3465	88	20	risk	risk	NOUN
fsr-3465	88	21	management	management	NOUN
fsr-3465	88	22	(	(	PUNCT
fsr-3465	88	23	insurance	insurance	NOUN
fsr-3465	88	24	)	)	PUNCT
fsr-3465	88	25	.	.	PUNCT
fsr-3465	89	1	these	these	DET
fsr-3465	89	2	topics	topic	NOUN
fsr-3465	89	3	were	be	AUX
fsr-3465	89	4	chosen	choose	VERB
fsr-3465	89	5	based	base	VERB
fsr-3465	89	6	on	on	ADP
fsr-3465	89	7	their	their	PRON
fsr-3465	89	8	relevance	relevance	NOUN
fsr-3465	89	9	to	to	ADP
fsr-3465	89	10	this	this	DET
fsr-3465	89	11	particular	particular	ADJ
fsr-3465	89	12	age	age	NOUN
fsr-3465	89	13	group	group	NOUN
fsr-3465	89	14	and	and	CCONJ
fsr-3465	89	15	their	their	PRON
fsr-3465	89	16	relationship	relationship	NOUN
fsr-3465	89	17	to	to	ADP
fsr-3465	89	18	the	the	DET
fsr-3465	89	19	four	four	NUM
fsr-3465	89	20	areas	area	NOUN
fsr-3465	89	21	identified	identify	VERB
fsr-3465	89	22	by	by	ADP
fsr-3465	89	23	huston	huston	PROPN
fsr-3465	89	24	(	(	PUNCT
fsr-3465	89	25	2010	2010	NUM
fsr-3465	89	26	)	)	PUNCT
fsr-3465	89	27	as	as	ADP
fsr-3465	89	28	being	be	AUX
fsr-3465	89	29	critical	critical	ADJ
fsr-3465	89	30	to	to	ADP
fsr-3465	89	31	financial	financial	ADJ
fsr-3465	89	32	literacy	literacy	NOUN
fsr-3465	89	33	.	.	PUNCT
fsr-3465	90	1	a	a	DET
fsr-3465	90	2	summary	summary	NOUN
fsr-3465	90	3	of	of	ADP
fsr-3465	90	4	each	each	DET
fsr-3465	90	5	module	module	NOUN
fsr-3465	90	6	is	be	AUX
fsr-3465	90	7	provided	provide	VERB
fsr-3465	90	8	in	in	ADP
fsr-3465	90	9	appendix	appendix	NOUN
fsr-3465	90	10	.	.	PUNCT
fsr-3465	91	1	the	the	DET
fsr-3465	91	2	underlying	underlie	VERB
fsr-3465	91	3	theme	theme	NOUN
fsr-3465	91	4	across	across	ADP
fsr-3465	91	5	each	each	DET
fsr-3465	91	6	module	module	NOUN
fsr-3465	91	7	is	be	AUX
fsr-3465	91	8	to	to	PART
fsr-3465	91	9	develop	develop	VERB
fsr-3465	91	10	the	the	DET
fsr-3465	91	11	students	student	NOUN
fsr-3465	91	12	’	’	PART
fsr-3465	91	13	knowledge	knowledge	NOUN
fsr-3465	91	14	necessary	necessary	ADJ
fsr-3465	91	15	to	to	PART
fsr-3465	91	16	maximize	maximize	VERB
fsr-3465	91	17	their	their	PRON
fsr-3465	91	18	“	"	PUNCT
fsr-3465	91	19	net	net	ADJ
fsr-3465	91	20	worth	worth	NOUN
fsr-3465	91	21	”	"	PUNCT
fsr-3465	91	22	or	or	CCONJ
fsr-3465	91	23	their	their	PRON
fsr-3465	91	24	“	"	PUNCT
fsr-3465	91	25	wealth	wealth	NOUN
fsr-3465	91	26	”	"	PUNCT
fsr-3465	91	27	over	over	ADP
fsr-3465	91	28	their	their	PRON
fsr-3465	91	29	lifetime	lifetime	NOUN
fsr-3465	91	30	.	.	PUNCT
fsr-3465	92	1	this	this	DET
fsr-3465	92	2	message	message	NOUN
fsr-3465	92	3	is	be	AUX
fsr-3465	92	4	stressed	stress	VERB
fsr-3465	92	5	at	at	ADP
fsr-3465	92	6	the	the	DET
fsr-3465	92	7	beginning	beginning	NOUN
fsr-3465	92	8	and	and	CCONJ
fsr-3465	92	9	end	end	NOUN
fsr-3465	92	10	of	of	ADP
fsr-3465	92	11	each	each	DET
fsr-3465	92	12	session	session	NOUN
fsr-3465	92	13	.	.	PUNCT
fsr-3465	93	1	additionally	additionally	ADV
fsr-3465	93	2	,	,	PUNCT
fsr-3465	93	3	faculty	faculty	NOUN
fsr-3465	93	4	discuss	discuss	VERB
fsr-3465	93	5	how	how	SCONJ
fsr-3465	93	6	each	each	DET
fsr-3465	93	7	topic	topic	NOUN
fsr-3465	93	8	relates	relate	VERB
fsr-3465	93	9	to	to	ADP
fsr-3465	93	10	net	net	ADJ
fsr-3465	93	11	worth	worth	NOUN
fsr-3465	93	12	.	.	PUNCT
fsr-3465	94	1	each	each	DET
fsr-3465	94	2	session	session	NOUN
fsr-3465	94	3	begins	begin	VERB
fsr-3465	94	4	with	with	ADP
fsr-3465	94	5	a	a	DET
fsr-3465	94	6	review	review	NOUN
fsr-3465	94	7	of	of	ADP
fsr-3465	94	8	the	the	DET
fsr-3465	94	9	previous	previous	ADJ
fsr-3465	94	10	week	week	NOUN
fsr-3465	94	11	’s	’s	PART
fsr-3465	94	12	session	session	NOUN
fsr-3465	94	13	and	and	CCONJ
fsr-3465	94	14	time	time	NOUN
fsr-3465	94	15	to	to	PART
fsr-3465	94	16	ask	ask	VERB
fsr-3465	94	17	questions	question	NOUN
fsr-3465	94	18	about	about	ADP
fsr-3465	94	19	prior	prior	ADJ
fsr-3465	94	20	material	material	NOUN
fsr-3465	94	21	.	.	PUNCT
fsr-3465	95	1	sessions	session	NOUN
fsr-3465	95	2	end	end	VERB
fsr-3465	95	3	with	with	ADP
fsr-3465	95	4	a	a	DET
fsr-3465	95	5	summary	summary	NOUN
fsr-3465	95	6	of	of	ADP
fsr-3465	95	7	the	the	DET
fsr-3465	95	8	current	current	ADJ
fsr-3465	95	9	week	week	NOUN
fsr-3465	95	10	’s	’s	PART
fsr-3465	95	11	information	information	NOUN
fsr-3465	95	12	,	,	PUNCT
fsr-3465	95	13	along	along	ADP
fsr-3465	95	14	with	with	ADP
fsr-3465	95	15	more	more	ADJ
fsr-3465	95	16	time	time	NOUN
fsr-3465	95	17	to	to	PART
fsr-3465	95	18	ask	ask	VERB
fsr-3465	95	19	questions	question	NOUN
fsr-3465	95	20	.	.	PUNCT
fsr-3465	96	1	shortly	shortly	ADV
fsr-3465	96	2	after	after	ADP
fsr-3465	96	3	the	the	DET
fsr-3465	96	4	last	last	ADJ
fsr-3465	96	5	session	session	NOUN
fsr-3465	96	6	,	,	PUNCT
fsr-3465	96	7	students	student	NOUN
fsr-3465	96	8	(	(	PUNCT
fsr-3465	96	9	participants	participant	NOUN
fsr-3465	96	10	and	and	CCONJ
fsr-3465	96	11	control	control	NOUN
fsr-3465	96	12	students	student	NOUN
fsr-3465	96	13	)	)	PUNCT
fsr-3465	96	14	are	be	AUX
fsr-3465	96	15	asked	ask	VERB
fsr-3465	96	16	to	to	PART
fsr-3465	96	17	voluntarily	voluntarily	ADV
fsr-3465	96	18	complete	complete	VERB
fsr-3465	96	19	the	the	DET
fsr-3465	96	20	postsurvey	postsurvey	NOUN
fsr-3465	96	21	containing	contain	VERB
fsr-3465	96	22	approximately	approximately	ADV
fsr-3465	96	23	50	50	NUM
fsr-3465	96	24	questions	question	NOUN
fsr-3465	96	25	,	,	PUNCT
fsr-3465	96	26	including	include	VERB
fsr-3465	96	27	the	the	DET
fsr-3465	96	28	same	same	ADJ
fsr-3465	96	29	questions	question	NOUN
fsr-3465	96	30	in	in	ADP
fsr-3465	96	31	the	the	DET
fsr-3465	96	32	presurvey	presurvey	NOUN
fsr-3465	96	33	measuring	measure	VERB
fsr-3465	96	34	financial	financial	ADJ
fsr-3465	96	35	knowledge	knowledge	NOUN
fsr-3465	96	36	.	.	PUNCT
fsr-3465	97	1	thus	thus	ADV
fsr-3465	97	2	,	,	PUNCT
fsr-3465	97	3	the	the	DET
fsr-3465	97	4	change	change	NOUN
fsr-3465	97	5	in	in	ADP
fsr-3465	97	6	score	score	NOUN
fsr-3465	97	7	on	on	ADP
fsr-3465	97	8	this	this	DET
fsr-3465	97	9	knowledge	knowledge	NOUN
fsr-3465	97	10	survey	survey	NOUN
fsr-3465	97	11	determines	determine	VERB
fsr-3465	97	12	the	the	DET
fsr-3465	97	13	efficacy	efficacy	NOUN
fsr-3465	97	14	of	of	ADP
fsr-3465	97	15	the	the	DET
fsr-3465	97	16	instructional	instructional	ADJ
fsr-3465	97	17	program	program	NOUN
fsr-3465	97	18	.	.	PUNCT
fsr-3465	98	1	participants	participant	NOUN
fsr-3465	98	2	and	and	CCONJ
fsr-3465	98	3	control	control	NOUN
fsr-3465	98	4	students	student	NOUN
fsr-3465	98	5	receive	receive	VERB
fsr-3465	98	6	$	$	SYM
fsr-3465	98	7	10	10	NUM
fsr-3465	98	8	in	in	ADP
fsr-3465	98	9	compensation	compensation	NOUN
fsr-3465	98	10	for	for	ADP
fsr-3465	98	11	each	each	DET
fsr-3465	98	12	survey	survey	NOUN
fsr-3465	98	13	they	they	PRON
fsr-3465	98	14	complete	complete	VERB
fsr-3465	98	15	.	.	PUNCT
fsr-3465	99	1	3	3	X
fsr-3465	99	2	.	.	X
fsr-3465	99	3	section	section	NOUN
fsr-3465	99	4	2	2	NUM
fsr-3465	99	5	:	:	PUNCT
fsr-3465	99	6	literature	literature	NOUN
fsr-3465	99	7	review	review	VERB
fsr-3465	99	8	the	the	DET
fsr-3465	99	9	focus	focus	NOUN
fsr-3465	99	10	of	of	ADP
fsr-3465	99	11	the	the	DET
fsr-3465	99	12	current	current	ADJ
fsr-3465	99	13	study	study	NOUN
fsr-3465	99	14	is	be	AUX
fsr-3465	99	15	to	to	PART
fsr-3465	99	16	test	test	VERB
fsr-3465	99	17	whether	whether	SCONJ
fsr-3465	99	18	students	student	NOUN
fsr-3465	99	19	participating	participate	VERB
fsr-3465	99	20	in	in	ADP
fsr-3465	99	21	the	the	DET
fsr-3465	99	22	pfp	pfp	PROPN
fsr-3465	99	23	improve	improve	VERB
fsr-3465	99	24	what	what	PRON
fsr-3465	99	25	many	many	ADJ
fsr-3465	99	26	prior	prior	ADJ
fsr-3465	99	27	studies	study	NOUN
fsr-3465	99	28	refer	refer	VERB
fsr-3465	99	29	to	to	ADP
fsr-3465	99	30	as	as	ADP
fsr-3465	99	31	financial	financial	ADJ
fsr-3465	99	32	literacy	literacy	NOUN
fsr-3465	99	33	—	—	PUNCT
fsr-3465	99	34	what	what	PRON
fsr-3465	99	35	we	we	PRON
fsr-3465	99	36	refer	refer	VERB
fsr-3465	99	37	to	to	ADP
fsr-3465	99	38	as	as	ADP
fsr-3465	99	39	financial	financial	ADJ
fsr-3465	99	40	knowledge	knowledge	NOUN
fsr-3465	99	41	.	.	PUNCT
fsr-3465	100	1	huston	huston	PROPN
fsr-3465	100	2	(	(	PUNCT
fsr-3465	100	3	2010	2010	NUM
fsr-3465	100	4	)	)	PUNCT
fsr-3465	100	5	demonstrates	demonstrate	VERB
fsr-3465	100	6	that	that	SCONJ
fsr-3465	100	7	in	in	ADP
fsr-3465	100	8	prior	prior	ADJ
fsr-3465	100	9	research	research	NOUN
fsr-3465	100	10	,	,	PUNCT
fsr-3465	100	11	terms	term	NOUN
fsr-3465	100	12	such	such	ADJ
fsr-3465	100	13	as	as	ADP
fsr-3465	100	14	financial	financial	ADJ
fsr-3465	100	15	knowledge	knowledge	NOUN
fsr-3465	100	16	,	,	PUNCT
fsr-3465	100	17	financial	financial	ADJ
fsr-3465	100	18	education	education	NOUN
fsr-3465	100	19	,	,	PUNCT
fsr-3465	100	20	and	and	CCONJ
fsr-3465	100	21	financial	financial	ADJ
fsr-3465	100	22	literacy	literacy	NOUN
fsr-3465	100	23	have	have	AUX
fsr-3465	100	24	been	be	AUX
fsr-3465	100	25	used	use	VERB
fsr-3465	100	26	interchangeably	interchangeably	ADV
fsr-3465	100	27	.	.	PUNCT
fsr-3465	101	1	beginning	begin	VERB
fsr-3465	101	2	with	with	ADP
fsr-3465	101	3	the	the	DET
fsr-3465	101	4	national	national	ADJ
fsr-3465	101	5	endowment	endowment	NOUN
fsr-3465	101	6	for	for	ADP
fsr-3465	101	7	financial	financial	ADJ
fsr-3465	101	8	education	education	NOUN
fsr-3465	101	9	summit	summit	NOUN
fsr-3465	101	10	in	in	ADP
fsr-3465	101	11	2005	2005	NUM
fsr-3465	101	12	,	,	PUNCT
fsr-3465	101	13	a	a	DET
fsr-3465	101	14	consensus	consensus	NOUN
fsr-3465	101	15	began	begin	VERB
fsr-3465	101	16	to	to	PART
fsr-3465	101	17	develop	develop	VERB
fsr-3465	101	18	that	that	SCONJ
fsr-3465	101	19	financial	financial	ADJ
fsr-3465	101	20	literacy	literacy	NOUN
fsr-3465	101	21	has	have	VERB
fsr-3465	101	22	two	two	NUM
fsr-3465	101	23	distinct	distinct	ADJ
fsr-3465	101	24	elements	element	NOUN
fsr-3465	101	25	:	:	PUNCT
fsr-3465	101	26	a	a	DET
fsr-3465	101	27	financial	financial	ADJ
fsr-3465	101	28	knowledge	knowledge	NOUN
fsr-3465	101	29	component	component	NOUN
fsr-3465	101	30	and	and	CCONJ
fsr-3465	101	31	the	the	DET
fsr-3465	101	32	measurement	measurement	NOUN
fsr-3465	101	33	of	of	ADP
fsr-3465	101	34	actions	action	NOUN
fsr-3465	101	35	/	/	SYM
fsr-3465	101	36	behavior	behavior	NOUN
fsr-3465	101	37	based	base	VERB
fsr-3465	101	38	on	on	ADP
fsr-3465	101	39	that	that	DET
fsr-3465	101	40	financial	financial	ADJ
fsr-3465	101	41	knowledge.3	knowledge.3	NOUN
fsr-3465	101	42	in	in	ADP
fsr-3465	101	43	other	other	ADJ
fsr-3465	101	44	words	word	NOUN
fsr-3465	101	45	,	,	PUNCT
fsr-3465	101	46	to	to	PART
fsr-3465	101	47	truly	truly	ADV
fsr-3465	101	48	evaluate	evaluate	VERB
fsr-3465	101	49	financial	financial	ADJ
fsr-3465	101	50	literacy	literacy	NOUN
fsr-3465	101	51	,	,	PUNCT
fsr-3465	101	52	one	one	PRON
fsr-3465	101	53	must	must	AUX
fsr-3465	101	54	evaluate	evaluate	VERB
fsr-3465	101	55	knowledge	knowledge	NOUN
fsr-3465	101	56	and	and	CCONJ
fsr-3465	101	57	behavior	behavior	NOUN
fsr-3465	101	58	.	.	PUNCT
fsr-3465	102	1	furthermore	furthermore	ADV
fsr-3465	102	2	,	,	PUNCT
fsr-3465	102	3	most	most	ADJ
fsr-3465	102	4	academic	academic	ADJ
fsr-3465	102	5	literature	literature	NOUN
fsr-3465	102	6	measures	measure	VERB
fsr-3465	102	7	financial	financial	ADJ
fsr-3465	102	8	behavior	behavior	NOUN
fsr-3465	102	9	or	or	CCONJ
fsr-3465	102	10	knowledge	knowledge	NOUN
fsr-3465	102	11	independently	independently	ADV
fsr-3465	102	12	from	from	ADP
fsr-3465	102	13	one	one	NUM
fsr-3465	102	14	another	another	DET
fsr-3465	102	15	,	,	PUNCT
fsr-3465	102	16	or	or	CCONJ
fsr-3465	102	17	infers	infer	VERB
fsr-3465	102	18	a	a	DET
fsr-3465	102	19	relationship	relationship	NOUN
fsr-3465	102	20	between	between	ADP
fsr-3465	102	21	financial	financial	ADJ
fsr-3465	102	22	knowledge	knowledge	NOUN
fsr-3465	102	23	and	and	CCONJ
fsr-3465	102	24	current	current	ADJ
fsr-3465	102	25	financial	financial	ADJ
fsr-3465	102	26	behaviors	behavior	NOUN
fsr-3465	102	27	(	(	PUNCT
fsr-3465	102	28	e.g.	e.g.	ADV
fsr-3465	102	29	,	,	PUNCT
fsr-3465	102	30	see	see	VERB
fsr-3465	102	31	allgood	allgood	PROPN
fsr-3465	102	32	&	&	CCONJ
fsr-3465	102	33	walstad	walstad	PROPN
fsr-3465	102	34	,	,	PUNCT
fsr-3465	102	35	2013	2013	NUM
fsr-3465	102	36	;	;	PUNCT
fsr-3465	102	37	gerardi	gerardi	NOUN
fsr-3465	102	38	,	,	PUNCT
fsr-3465	102	39	goette	goette	NOUN
fsr-3465	102	40	,	,	PUNCT
fsr-3465	102	41	&	&	CCONJ
fsr-3465	102	42	meir	meir	PROPN
fsr-3465	102	43	,	,	PUNCT
fsr-3465	102	44	2013	2013	NUM
fsr-3465	102	45	;	;	PUNCT
fsr-3465	102	46	henager	henager	NOUN
fsr-3465	102	47	&	&	CCONJ
fsr-3465	102	48	cude	cude	ADJ
fsr-3465	102	49	,	,	PUNCT
fsr-3465	102	50	2016	2016	NUM
fsr-3465	102	51	)	)	PUNCT
fsr-3465	102	52	.	.	PUNCT
fsr-3465	103	1	as	as	SCONJ
fsr-3465	103	2	discussed	discuss	VERB
fsr-3465	103	3	previously	previously	ADV
fsr-3465	103	4	,	,	PUNCT
fsr-3465	103	5	we	we	PRON
fsr-3465	103	6	distinguish	distinguish	VERB
fsr-3465	103	7	between	between	ADP
fsr-3465	103	8	financial	financial	ADJ
fsr-3465	103	9	knowledge	knowledge	NOUN
fsr-3465	103	10	and	and	CCONJ
fsr-3465	103	11	financial	financial	ADJ
fsr-3465	103	12	literacy	literacy	NOUN
fsr-3465	103	13	in	in	ADP
fsr-3465	103	14	this	this	DET
fsr-3465	103	15	study	study	NOUN
fsr-3465	103	16	,	,	PUNCT
fsr-3465	103	17	focusing	focus	VERB
fsr-3465	103	18	on	on	ADP
fsr-3465	103	19	financial	financial	ADJ
fsr-3465	103	20	knowledge	knowledge	NOUN
fsr-3465	103	21	.	.	PUNCT
fsr-3465	104	1	huston	huston	PROPN
fsr-3465	104	2	and	and	CCONJ
fsr-3465	104	3	others	other	NOUN
fsr-3465	104	4	note	note	VERB
fsr-3465	104	5	that	that	SCONJ
fsr-3465	104	6	research	research	NOUN
fsr-3465	104	7	on	on	ADP
fsr-3465	104	8	financial	financial	ADJ
fsr-3465	104	9	knowledge	knowledge	NOUN
fsr-3465	104	10	inconsistently	inconsistently	ADV
fsr-3465	104	11	represents	represent	VERB
fsr-3465	104	12	and	and	CCONJ
fsr-3465	104	13	measures	measure	VERB
fsr-3465	104	14	knowledge	knowledge	NOUN
fsr-3465	104	15	.	.	PUNCT
fsr-3465	105	1	huston	huston	PROPN
fsr-3465	105	2	(	(	PUNCT
fsr-3465	105	3	2010	2010	NUM
fsr-3465	105	4	)	)	PUNCT
fsr-3465	105	5	identifies	identify	VERB
fsr-3465	105	6	four	four	NUM
fsr-3465	105	7	content	content	NOUN
fsr-3465	105	8	areas	area	NOUN
fsr-3465	105	9	that	that	PRON
fsr-3465	105	10	have	have	AUX
fsr-3465	105	11	been	be	AUX
fsr-3465	105	12	and	and	CCONJ
fsr-3465	105	13	should	should	AUX
fsr-3465	105	14	be	be	AUX
fsr-3465	105	15	addressed	address	VERB
fsr-3465	105	16	with	with	ADP
fsr-3465	105	17	financial	financial	ADJ
fsr-3465	105	18	education	education	NOUN
fsr-3465	105	19	:	:	PUNCT
fsr-3465	105	20	money	money	NOUN
fsr-3465	105	21	basics	basic	NOUN
fsr-3465	105	22	,	,	PUNCT
fsr-3465	105	23	borrowing	borrowing	NOUN
fsr-3465	105	24	,	,	PUNCT
fsr-3465	105	25	investing	investing	NOUN
fsr-3465	105	26	,	,	PUNCT
fsr-3465	105	27	and	and	CCONJ
fsr-3465	105	28	insurance	insurance	NOUN
fsr-3465	105	29	.	.	PUNCT
fsr-3465	106	1	nonetheless	nonetheless	ADV
fsr-3465	106	2	,	,	PUNCT
fsr-3465	106	3	he	he	PRON
fsr-3465	106	4	reports	report	VERB
fsr-3465	106	5	that	that	SCONJ
fsr-3465	106	6	35	35	NUM
fsr-3465	106	7	%	%	NOUN
fsr-3465	106	8	of	of	ADP
fsr-3465	106	9	studies	study	NOUN
fsr-3465	106	10	address	address	VERB
fsr-3465	106	11	only	only	ADV
fsr-3465	106	12	one	one	NUM
fsr-3465	106	13	content	content	NOUN
fsr-3465	106	14	area	area	NOUN
fsr-3465	106	15	,	,	PUNCT
fsr-3465	106	16	40	40	NUM
fsr-3465	106	17	%	%	NOUN
fsr-3465	106	18	address	address	NOUN
fsr-3465	106	19	two	two	NUM
fsr-3465	106	20	or	or	CCONJ
fsr-3465	106	21	three	three	NUM
fsr-3465	106	22	areas	area	NOUN
fsr-3465	106	23	,	,	PUNCT
fsr-3465	106	24	but	but	CCONJ
fsr-3465	106	25	only	only	ADV
fsr-3465	106	26	25	25	NUM
fsr-3465	106	27	%	%	NOUN
fsr-3465	106	28	address	address	NOUN
fsr-3465	106	29	all	all	DET
fsr-3465	106	30	four	four	NUM
fsr-3465	106	31	content	content	NOUN
fsr-3465	106	32	areas	area	NOUN
fsr-3465	106	33	.	.	PUNCT
fsr-3465	107	1	the	the	DET
fsr-3465	107	2	pfp	pfp	PROPN
fsr-3465	107	3	specifically	specifically	ADV
fsr-3465	107	4	addresses	address	VERB
fsr-3465	107	5	all	all	DET
fsr-3465	107	6	four	four	NUM
fsr-3465	107	7	content	content	NOUN
fsr-3465	107	8	areas	area	NOUN
fsr-3465	107	9	leading	lead	VERB
fsr-3465	107	10	to	to	ADP
fsr-3465	107	11	a	a	DET
fsr-3465	107	12	more	more	ADV
fsr-3465	107	13	robust	robust	ADJ
fsr-3465	107	14	evaluation	evaluation	NOUN
fsr-3465	107	15	of	of	ADP
fsr-3465	107	16	financial	financial	ADJ
fsr-3465	107	17	knowledge	knowledge	NOUN
fsr-3465	107	18	.	.	PUNCT
fsr-3465	108	1	similarly	similarly	ADV
fsr-3465	108	2	,	,	PUNCT
fsr-3465	108	3	researchers	researcher	NOUN
fsr-3465	108	4	(	(	PUNCT
fsr-3465	108	5	association	association	NOUN
fsr-3465	108	6	for	for	ADP
fsr-3465	108	7	financial	financial	ADJ
fsr-3465	108	8	counseling	counseling	NOUN
fsr-3465	108	9	and	and	CCONJ
fsr-3465	108	10	planning	planning	NOUN
fsr-3465	108	11	education	education	NOUN
fsr-3465	108	12	,	,	PUNCT
fsr-3465	108	13	2006	2006	NUM
fsr-3465	108	14	;	;	PUNCT
fsr-3465	108	15	bosshardt	bosshardt	PROPN
fsr-3465	108	16	&	&	CCONJ
fsr-3465	108	17	walstad	walstad	PROPN
fsr-3465	108	18	,	,	PUNCT
fsr-3465	108	19	2014	2014	NUM
fsr-3465	108	20	;	;	PUNCT
fsr-3465	108	21	huston	huston	PROPN
fsr-3465	108	22	,	,	PUNCT
fsr-3465	108	23	2010	2010	NUM
fsr-3465	108	24	;	;	PUNCT
fsr-3465	108	25	knoll	knoll	NOUN
fsr-3465	108	26	&	&	CCONJ
fsr-3465	108	27	houts	hout	NOUN
fsr-3465	108	28	,	,	PUNCT
fsr-3465	108	29	2012	2012	NUM
fsr-3465	108	30	)	)	PUNCT
fsr-3465	108	31	lament	lament	VERB
fsr-3465	108	32	the	the	DET
fsr-3465	108	33	fact	fact	NOUN
fsr-3465	108	34	that	that	SCONJ
fsr-3465	108	35	studies	study	NOUN
fsr-3465	108	36	measuring	measure	VERB
fsr-3465	108	37	financial	financial	ADJ
fsr-3465	108	38	knowledge	knowledge	NOUN
fsr-3465	108	39	often	often	ADV
fsr-3465	108	40	use	use	VERB
fsr-3465	108	41	widely	widely	ADV
fsr-3465	108	42	different	different	ADJ
fsr-3465	108	43	questions	question	NOUN
fsr-3465	108	44	to	to	PART
fsr-3465	108	45	measure	measure	VERB
fsr-3465	108	46	it	it	PRON
fsr-3465	108	47	.	.	PUNCT
fsr-3465	109	1	huston	huston	PROPN
fsr-3465	109	2	(	(	PUNCT
fsr-3465	109	3	2010	2010	NUM
fsr-3465	109	4	)	)	PUNCT
fsr-3465	109	5	finds	find	VERB
fsr-3465	109	6	that	that	SCONJ
fsr-3465	109	7	researchers	researcher	NOUN
fsr-3465	109	8	use	use	VERB
fsr-3465	109	9	three	three	NUM
fsr-3465	109	10	to	to	PART
fsr-3465	109	11	45	45	NUM
fsr-3465	109	12	questions	question	NOUN
fsr-3465	109	13	,	,	PUNCT
fsr-3465	109	14	with	with	ADP
fsr-3465	109	15	most	most	ADJ
fsr-3465	109	16	studies	study	NOUN
fsr-3465	109	17	using	use	VERB
fsr-3465	109	18	three	three	NUM
fsr-3465	109	19	to	to	ADP
fsr-3465	109	20	five	five	NUM
fsr-3465	109	21	,	,	PUNCT
fsr-3465	109	22	largely	largely	ADV
fsr-3465	109	23	j.	j.	PROPN
fsr-3465	109	24	handy	handy	PROPN
fsr-3465	109	25	et	et	PROPN
fsr-3465	109	26	al	al	PROPN
fsr-3465	109	27	.	.	PUNCT
fsr-3465	109	28	/	/	SYM
fsr-3465	109	29	financial	financial	ADJ
fsr-3465	109	30	services	service	NOUN
fsr-3465	109	31	review	review	VERB
fsr-3465	109	32	29	29	NUM
fsr-3465	109	33	(	(	PUNCT
fsr-3465	109	34	2021	2021	NUM
fsr-3465	109	35	)	)	PUNCT
fsr-3465	110	1	315–341	315–341	NUM
fsr-3465	110	2	319	319	NUM
fsr-3465	110	3	centered	center	VERB
fsr-3465	110	4	on	on	ADP
fsr-3465	110	5	money	money	NOUN
fsr-3465	110	6	basics	basic	NOUN
fsr-3465	110	7	and	and	CCONJ
fsr-3465	110	8	investing	investing	NOUN
fsr-3465	110	9	,	,	PUNCT
fsr-3465	110	10	to	to	PART
fsr-3465	110	11	measure	measure	VERB
fsr-3465	110	12	knowledge	knowledge	NOUN
fsr-3465	110	13	.	.	PUNCT
fsr-3465	111	1	knoll	knoll	NOUN
fsr-3465	111	2	and	and	CCONJ
fsr-3465	111	3	houts	hout	NOUN
fsr-3465	111	4	(	(	PUNCT
fsr-3465	111	5	2012	2012	NUM
fsr-3465	111	6	)	)	PUNCT
fsr-3465	111	7	address	address	NOUN
fsr-3465	111	8	this	this	DET
fsr-3465	111	9	issue	issue	NOUN
fsr-3465	111	10	and	and	CCONJ
fsr-3465	111	11	developed	develop	VERB
fsr-3465	111	12	a	a	DET
fsr-3465	111	13	knowledge	knowledge	NOUN
fsr-3465	111	14	test	test	NOUN
fsr-3465	111	15	of	of	ADP
fsr-3465	111	16	20	20	NUM
fsr-3465	111	17	questions	question	NOUN
fsr-3465	111	18	from	from	ADP
fsr-3465	111	19	past	past	ADJ
fsr-3465	111	20	research	research	NOUN
fsr-3465	111	21	that	that	PRON
fsr-3465	111	22	is	be	AUX
fsr-3465	111	23	psychometrically	psychometrically	ADV
fsr-3465	111	24	validated	validate	VERB
fsr-3465	111	25	using	use	VERB
fsr-3465	111	26	item	item	NOUN
fsr-3465	111	27	response	response	NOUN
fsr-3465	111	28	theory	theory	NOUN
fsr-3465	111	29	and	and	CCONJ
fsr-3465	111	30	covers	cover	VERB
fsr-3465	111	31	each	each	DET
fsr-3465	111	32	content	content	NOUN
fsr-3465	111	33	area	area	NOUN
fsr-3465	111	34	identified	identify	VERB
fsr-3465	111	35	in	in	ADP
fsr-3465	111	36	huston	huston	PROPN
fsr-3465	111	37	(	(	PUNCT
fsr-3465	111	38	2010).4	2010).4	NOUN
fsr-3465	111	39	we	we	PRON
fsr-3465	111	40	use	use	VERB
fsr-3465	111	41	those	those	DET
fsr-3465	111	42	same	same	ADJ
fsr-3465	111	43	questions	question	NOUN
fsr-3465	111	44	for	for	ADP
fsr-3465	111	45	our	our	PRON
fsr-3465	111	46	knowledge	knowledge	NOUN
fsr-3465	111	47	test	test	NOUN
fsr-3465	111	48	.	.	PUNCT
fsr-3465	112	1	4	4	X
fsr-3465	112	2	.	.	X
fsr-3465	112	3	section	section	NOUN
fsr-3465	112	4	3	3	NUM
fsr-3465	112	5	:	:	PUNCT
fsr-3465	112	6	survey	survey	VERB
fsr-3465	112	7	construction	construction	NOUN
fsr-3465	112	8	in	in	ADP
fsr-3465	112	9	addition	addition	NOUN
fsr-3465	112	10	to	to	ADP
fsr-3465	112	11	the	the	DET
fsr-3465	112	12	knowledge	knowledge	NOUN
fsr-3465	112	13	questions	question	NOUN
fsr-3465	112	14	from	from	ADP
fsr-3465	112	15	knoll	knoll	NOUN
fsr-3465	112	16	and	and	CCONJ
fsr-3465	112	17	houts	hout	NOUN
fsr-3465	112	18	(	(	PUNCT
fsr-3465	112	19	2012	2012	NUM
fsr-3465	112	20	)	)	PUNCT
fsr-3465	112	21	,	,	PUNCT
fsr-3465	112	22	the	the	DET
fsr-3465	112	23	pre	pre	ADJ
fsr-3465	112	24	-	-	ADJ
fsr-3465	112	25	seminar	seminar	ADJ
fsr-3465	112	26	survey	survey	NOUN
fsr-3465	112	27	instrument	instrument	NOUN
fsr-3465	112	28	captures	capture	VERB
fsr-3465	112	29	demographic	demographic	ADJ
fsr-3465	112	30	information	information	NOUN
fsr-3465	112	31	.	.	PUNCT
fsr-3465	113	1	for	for	ADP
fsr-3465	113	2	the	the	DET
fsr-3465	113	3	student	student	NOUN
fsr-3465	113	4	,	,	PUNCT
fsr-3465	113	5	we	we	PRON
fsr-3465	113	6	capture	capture	VERB
fsr-3465	113	7	gender	gender	NOUN
fsr-3465	113	8	,	,	PUNCT
fsr-3465	113	9	race	race	NOUN
fsr-3465	113	10	,	,	PUNCT
fsr-3465	113	11	age	age	NOUN
fsr-3465	113	12	,	,	PUNCT
fsr-3465	113	13	college	college	NOUN
fsr-3465	113	14	major	major	NOUN
fsr-3465	113	15	,	,	PUNCT
fsr-3465	113	16	whether	whether	SCONJ
fsr-3465	113	17	the	the	DET
fsr-3465	113	18	student	student	NOUN
fsr-3465	113	19	is	be	AUX
fsr-3465	113	20	a	a	DET
fsr-3465	113	21	student	student	NOUN
fsr-3465	113	22	-	-	PUNCT
fsr-3465	113	23	athlete	athlete	NOUN
fsr-3465	113	24	,	,	PUNCT
fsr-3465	113	25	as	as	ADV
fsr-3465	113	26	well	well	ADV
fsr-3465	113	27	as	as	ADP
fsr-3465	113	28	the	the	DET
fsr-3465	113	29	sources	source	NOUN
fsr-3465	113	30	/	/	SYM
fsr-3465	113	31	weights	weight	NOUN
fsr-3465	113	32	of	of	ADP
fsr-3465	113	33	how	how	SCONJ
fsr-3465	113	34	they	they	PRON
fsr-3465	113	35	pay	pay	VERB
fsr-3465	113	36	for	for	ADP
fsr-3465	113	37	college	college	NOUN
fsr-3465	113	38	:	:	PUNCT
fsr-3465	113	39	grants	grant	NOUN
fsr-3465	113	40	,	,	PUNCT
fsr-3465	113	41	loans	loan	NOUN
fsr-3465	113	42	,	,	PUNCT
fsr-3465	113	43	parent	parent	NOUN
fsr-3465	113	44	,	,	PUNCT
fsr-3465	113	45	or	or	CCONJ
fsr-3465	113	46	self	self	NOUN
fsr-3465	113	47	.	.	PUNCT
fsr-3465	114	1	in	in	ADP
fsr-3465	114	2	addition	addition	NOUN
fsr-3465	114	3	to	to	ADP
fsr-3465	114	4	the	the	DET
fsr-3465	114	5	student	student	NOUN
fsr-3465	114	6	demographic	demographic	ADJ
fsr-3465	114	7	data	datum	NOUN
fsr-3465	114	8	,	,	PUNCT
fsr-3465	114	9	we	we	PRON
fsr-3465	114	10	collect	collect	VERB
fsr-3465	114	11	data	datum	NOUN
fsr-3465	114	12	about	about	ADP
fsr-3465	114	13	parents	parent	NOUN
fsr-3465	114	14	.	.	PUNCT
fsr-3465	115	1	for	for	ADP
fsr-3465	115	2	example	example	NOUN
fsr-3465	115	3	,	,	PUNCT
fsr-3465	115	4	the	the	DET
fsr-3465	115	5	students	student	NOUN
fsr-3465	115	6	provide	provide	VERB
fsr-3465	115	7	information	information	NOUN
fsr-3465	115	8	about	about	ADP
fsr-3465	115	9	household	household	NOUN
fsr-3465	115	10	income	income	NOUN
fsr-3465	115	11	,	,	PUNCT
fsr-3465	115	12	parent	parent	NOUN
fsr-3465	115	13	educational	educational	ADJ
fsr-3465	115	14	attainment	attainment	NOUN
fsr-3465	115	15	,	,	PUNCT
fsr-3465	115	16	and	and	CCONJ
fsr-3465	115	17	parent	parent	NOUN
fsr-3465	115	18	profession	profession	NOUN
fsr-3465	115	19	.	.	PUNCT
fsr-3465	116	1	the	the	DET
fsr-3465	116	2	demographic	demographic	ADJ
fsr-3465	116	3	information	information	NOUN
fsr-3465	116	4	is	be	AUX
fsr-3465	116	5	not	not	PART
fsr-3465	116	6	repeated	repeat	VERB
fsr-3465	116	7	on	on	ADP
fsr-3465	116	8	the	the	DET
fsr-3465	116	9	post	post	ADJ
fsr-3465	116	10	-	-	ADJ
fsr-3465	116	11	seminar	seminar	ADJ
fsr-3465	116	12	instrument	instrument	NOUN
fsr-3465	116	13	.	.	PUNCT
fsr-3465	117	1	one	one	NUM
fsr-3465	117	2	of	of	ADP
fsr-3465	117	3	the	the	DET
fsr-3465	117	4	unique	unique	ADJ
fsr-3465	117	5	benefits	benefit	NOUN
fsr-3465	117	6	of	of	ADP
fsr-3465	117	7	our	our	PRON
fsr-3465	117	8	study	study	NOUN
fsr-3465	117	9	design	design	NOUN
fsr-3465	117	10	is	be	AUX
fsr-3465	117	11	that	that	SCONJ
fsr-3465	117	12	the	the	DET
fsr-3465	117	13	survey	survey	NOUN
fsr-3465	117	14	poses	pose	VERB
fsr-3465	117	15	questions	question	NOUN
fsr-3465	117	16	that	that	PRON
fsr-3465	117	17	address	address	VERB
fsr-3465	117	18	a	a	DET
fsr-3465	117	19	variety	variety	NOUN
fsr-3465	117	20	of	of	ADP
fsr-3465	117	21	psychological	psychological	ADJ
fsr-3465	117	22	characteristics	characteristic	NOUN
fsr-3465	117	23	that	that	PRON
fsr-3465	117	24	may	may	AUX
fsr-3465	117	25	impact	impact	VERB
fsr-3465	117	26	whether	whether	SCONJ
fsr-3465	117	27	students	student	NOUN
fsr-3465	117	28	choose	choose	VERB
fsr-3465	117	29	to	to	PART
fsr-3465	117	30	participate	participate	VERB
fsr-3465	117	31	in	in	ADP
fsr-3465	117	32	the	the	DET
fsr-3465	117	33	program	program	NOUN
fsr-3465	117	34	and	and	CCONJ
fsr-3465	117	35	that	that	PRON
fsr-3465	117	36	may	may	AUX
fsr-3465	117	37	influence	influence	VERB
fsr-3465	117	38	the	the	DET
fsr-3465	117	39	student	student	NOUN
fsr-3465	117	40	’s	’s	PART
fsr-3465	117	41	propensity	propensity	NOUN
fsr-3465	117	42	to	to	PART
fsr-3465	117	43	develop	develop	VERB
fsr-3465	117	44	their	their	PRON
fsr-3465	117	45	financial	financial	ADJ
fsr-3465	117	46	knowledge	knowledge	NOUN
fsr-3465	117	47	.	.	PUNCT
fsr-3465	118	1	equally	equally	ADV
fsr-3465	118	2	important	important	ADJ
fsr-3465	118	3	,	,	PUNCT
fsr-3465	118	4	we	we	PRON
fsr-3465	118	5	ask	ask	VERB
fsr-3465	118	6	a	a	DET
fsr-3465	118	7	series	series	NOUN
fsr-3465	118	8	of	of	ADP
fsr-3465	118	9	questions	question	NOUN
fsr-3465	118	10	targeted	target	VERB
fsr-3465	118	11	at	at	ADP
fsr-3465	118	12	ascertaining	ascertain	VERB
fsr-3465	118	13	the	the	DET
fsr-3465	118	14	students	student	NOUN
fsr-3465	118	15	’	’	PART
fsr-3465	118	16	confidence	confidence	NOUN
fsr-3465	118	17	in	in	ADP
fsr-3465	118	18	their	their	PRON
fsr-3465	118	19	post	post	ADJ
fsr-3465	118	20	-	-	ADJ
fsr-3465	118	21	college	college	ADJ
fsr-3465	118	22	financial	financial	ADJ
fsr-3465	118	23	future	future	NOUN
fsr-3465	118	24	,	,	PUNCT
fsr-3465	118	25	confidence	confidence	NOUN
fsr-3465	118	26	in	in	ADP
fsr-3465	118	27	each	each	PRON
fsr-3465	118	28	of	of	ADP
fsr-3465	118	29	the	the	DET
fsr-3465	118	30	topics	topic	NOUN
fsr-3465	118	31	to	to	PART
fsr-3465	118	32	be	be	AUX
fsr-3465	118	33	covered	cover	VERB
fsr-3465	118	34	in	in	ADP
fsr-3465	118	35	the	the	DET
fsr-3465	118	36	pfp	pfp	PROPN
fsr-3465	118	37	,	,	PUNCT
fsr-3465	118	38	whether	whether	SCONJ
fsr-3465	118	39	or	or	CCONJ
fsr-3465	118	40	not	not	PART
fsr-3465	118	41	the	the	DET
fsr-3465	118	42	student	student	NOUN
fsr-3465	118	43	has	have	AUX
fsr-3465	118	44	experienced	experience	VERB
fsr-3465	118	45	any	any	DET
fsr-3465	118	46	health	health	NOUN
fsr-3465	118	47	or	or	CCONJ
fsr-3465	118	48	financial	financial	ADJ
fsr-3465	118	49	stress	stress	NOUN
fsr-3465	118	50	during	during	ADP
fsr-3465	118	51	the	the	DET
fsr-3465	118	52	period	period	NOUN
fsr-3465	118	53	before	before	ADP
fsr-3465	118	54	the	the	DET
fsr-3465	118	55	seminar	seminar	NOUN
fsr-3465	118	56	,	,	PUNCT
fsr-3465	118	57	and	and	CCONJ
fsr-3465	118	58	what	what	PRON
fsr-3465	118	59	the	the	DET
fsr-3465	118	60	student	student	NOUN
fsr-3465	118	61	’s	’s	PART
fsr-3465	118	62	overall	overall	ADJ
fsr-3465	118	63	perception	perception	NOUN
fsr-3465	118	64	of	of	ADP
fsr-3465	118	65	how	how	SCONJ
fsr-3465	118	66	satisfied	satisfied	ADJ
fsr-3465	118	67	they	they	PRON
fsr-3465	118	68	are	be	AUX
fsr-3465	118	69	with	with	ADP
fsr-3465	118	70	their	their	PRON
fsr-3465	118	71	lives	life	NOUN
fsr-3465	118	72	.	.	PUNCT
fsr-3465	119	1	the	the	DET
fsr-3465	119	2	questions	question	NOUN
fsr-3465	119	3	related	relate	VERB
fsr-3465	119	4	to	to	ADP
fsr-3465	119	5	the	the	DET
fsr-3465	119	6	psychological	psychological	ADJ
fsr-3465	119	7	characteristics	characteristic	NOUN
fsr-3465	119	8	and	and	CCONJ
fsr-3465	119	9	confidence	confidence	NOUN
fsr-3465	119	10	are	be	AUX
fsr-3465	119	11	repeated	repeat	VERB
fsr-3465	119	12	in	in	ADP
fsr-3465	119	13	the	the	DET
fsr-3465	119	14	postsurvey	postsurvey	ADJ
fsr-3465	119	15	instrument	instrument	NOUN
fsr-3465	119	16	.	.	PUNCT
fsr-3465	120	1	our	our	PRON
fsr-3465	120	2	interest	interest	NOUN
fsr-3465	120	3	in	in	ADP
fsr-3465	120	4	student	student	NOUN
fsr-3465	120	5	confidence	confidence	NOUN
fsr-3465	120	6	is	be	AUX
fsr-3465	120	7	intentional	intentional	ADJ
fsr-3465	120	8	.	.	PUNCT
fsr-3465	121	1	while	while	SCONJ
fsr-3465	121	2	some	some	DET
fsr-3465	121	3	prior	prior	ADJ
fsr-3465	121	4	work	work	NOUN
fsr-3465	121	5	indicates	indicate	VERB
fsr-3465	121	6	that	that	SCONJ
fsr-3465	121	7	individuals	individual	NOUN
fsr-3465	121	8	have	have	AUX
fsr-3465	121	9	misplaced	misplace	VERB
fsr-3465	121	10	confidence	confidence	NOUN
fsr-3465	121	11	in	in	ADP
fsr-3465	121	12	their	their	PRON
fsr-3465	121	13	financial	financial	ADJ
fsr-3465	121	14	knowledge	knowledge	NOUN
fsr-3465	121	15	(	(	PUNCT
fsr-3465	121	16	e.g.	e.g.	ADV
fsr-3465	121	17	,	,	PUNCT
fsr-3465	121	18	toker	toker	NOUN
fsr-3465	121	19	asad	asad	PROPN
fsr-3465	121	20	,	,	PUNCT
fsr-3465	121	21	2015	2015	NUM
fsr-3465	121	22	)	)	PUNCT
fsr-3465	121	23	,	,	PUNCT
fsr-3465	121	24	our	our	PRON
fsr-3465	121	25	focus	focus	NOUN
fsr-3465	121	26	is	be	AUX
fsr-3465	121	27	on	on	ADP
fsr-3465	121	28	whether	whether	SCONJ
fsr-3465	121	29	students	student	NOUN
fsr-3465	121	30	are	be	AUX
fsr-3465	121	31	confident	confident	ADJ
fsr-3465	121	32	about	about	ADP
fsr-3465	121	33	their	their	PRON
fsr-3465	121	34	ability	ability	NOUN
fsr-3465	121	35	to	to	PART
fsr-3465	121	36	manage	manage	VERB
fsr-3465	121	37	their	their	PRON
fsr-3465	121	38	financial	financial	ADJ
fsr-3465	121	39	future	future	NOUN
fsr-3465	121	40	,	,	PUNCT
fsr-3465	121	41	not	not	PART
fsr-3465	121	42	confidence	confidence	NOUN
fsr-3465	121	43	in	in	ADP
fsr-3465	121	44	their	their	PRON
fsr-3465	121	45	responses	response	NOUN
fsr-3465	121	46	to	to	ADP
fsr-3465	121	47	knowledge	knowledge	NOUN
fsr-3465	121	48	questions	question	NOUN
fsr-3465	121	49	.	.	PUNCT
fsr-3465	122	1	we	we	PRON
fsr-3465	122	2	examine	examine	VERB
fsr-3465	122	3	whether	whether	SCONJ
fsr-3465	122	4	the	the	DET
fsr-3465	122	5	pfp	pfp	PROPN
fsr-3465	122	6	has	have	VERB
fsr-3465	122	7	an	an	DET
fsr-3465	122	8	impact	impact	NOUN
fsr-3465	122	9	on	on	ADP
fsr-3465	122	10	this	this	DET
fsr-3465	122	11	type	type	NOUN
fsr-3465	122	12	of	of	ADP
fsr-3465	122	13	student	student	NOUN
fsr-3465	122	14	confidence.5	confidence.5	VERB
fsr-3465	122	15	to	to	ADP
fsr-3465	122	16	the	the	DET
fsr-3465	122	17	extent	extent	NOUN
fsr-3465	122	18	that	that	SCONJ
fsr-3465	122	19	the	the	DET
fsr-3465	122	20	statement	statement	NOUN
fsr-3465	122	21	“	"	PUNCT
fsr-3465	122	22	knowledge	knowledge	NOUN
fsr-3465	122	23	is	be	AUX
fsr-3465	122	24	power	power	NOUN
fsr-3465	122	25	”	"	PUNCT
fsr-3465	122	26	is	be	AUX
fsr-3465	122	27	true	true	ADJ
fsr-3465	122	28	,	,	PUNCT
fsr-3465	122	29	then	then	ADV
fsr-3465	122	30	the	the	DET
fsr-3465	122	31	pfp	pfp	PROPN
fsr-3465	122	32	may	may	AUX
fsr-3465	122	33	lead	lead	VERB
fsr-3465	122	34	to	to	ADP
fsr-3465	122	35	an	an	DET
fsr-3465	122	36	improvement	improvement	NOUN
fsr-3465	122	37	in	in	ADP
fsr-3465	122	38	students	student	NOUN
fsr-3465	122	39	’	’	PART
fsr-3465	122	40	perception	perception	NOUN
fsr-3465	122	41	that	that	SCONJ
fsr-3465	122	42	they	they	PRON
fsr-3465	122	43	can	can	AUX
fsr-3465	122	44	manage	manage	VERB
fsr-3465	122	45	their	their	PRON
fsr-3465	122	46	financial	financial	ADJ
fsr-3465	122	47	future	future	NOUN
fsr-3465	122	48	.	.	PUNCT
fsr-3465	123	1	our	our	PRON
fsr-3465	123	2	research	research	NOUN
fsr-3465	123	3	design	design	NOUN
fsr-3465	123	4	allows	allow	VERB
fsr-3465	123	5	us	we	PRON
fsr-3465	123	6	a	a	DET
fsr-3465	123	7	unique	unique	ADJ
fsr-3465	123	8	way	way	NOUN
fsr-3465	123	9	to	to	PART
fsr-3465	123	10	assess	assess	VERB
fsr-3465	123	11	whether	whether	SCONJ
fsr-3465	123	12	confidence	confidence	NOUN
fsr-3465	123	13	is	be	AUX
fsr-3465	123	14	justified	justify	VERB
fsr-3465	123	15	or	or	CCONJ
fsr-3465	123	16	overblown	overblown	ADJ
fsr-3465	123	17	.	.	PUNCT
fsr-3465	124	1	if	if	SCONJ
fsr-3465	124	2	there	there	PRON
fsr-3465	124	3	is	be	VERB
fsr-3465	124	4	an	an	DET
fsr-3465	124	5	increase	increase	NOUN
fsr-3465	124	6	in	in	ADP
fsr-3465	124	7	financial	financial	ADJ
fsr-3465	124	8	confidence	confidence	NOUN
fsr-3465	124	9	without	without	ADP
fsr-3465	124	10	an	an	DET
fsr-3465	124	11	improvement	improvement	NOUN
fsr-3465	124	12	in	in	ADP
fsr-3465	124	13	financial	financial	ADJ
fsr-3465	124	14	knowledge	knowledge	NOUN
fsr-3465	124	15	,	,	PUNCT
fsr-3465	124	16	we	we	PRON
fsr-3465	124	17	would	would	AUX
fsr-3465	124	18	be	be	AUX
fsr-3465	124	19	reluctant	reluctant	ADJ
fsr-3465	124	20	to	to	PART
fsr-3465	124	21	classify	classify	VERB
fsr-3465	124	22	the	the	DET
fsr-3465	124	23	program	program	NOUN
fsr-3465	124	24	as	as	ADP
fsr-3465	124	25	a	a	DET
fsr-3465	124	26	success	success	NOUN
fsr-3465	124	27	.	.	PUNCT
fsr-3465	125	1	however	however	ADV
fsr-3465	125	2	,	,	PUNCT
fsr-3465	125	3	if	if	SCONJ
fsr-3465	125	4	we	we	PRON
fsr-3465	125	5	see	see	VERB
fsr-3465	125	6	an	an	DET
fsr-3465	125	7	increase	increase	NOUN
fsr-3465	125	8	in	in	ADP
fsr-3465	125	9	confidence	confidence	NOUN
fsr-3465	125	10	with	with	ADP
fsr-3465	125	11	a	a	DET
fsr-3465	125	12	corresponding	correspond	VERB
fsr-3465	125	13	improvement	improvement	NOUN
fsr-3465	125	14	in	in	ADP
fsr-3465	125	15	financial	financial	ADJ
fsr-3465	125	16	knowledge	knowledge	NOUN
fsr-3465	125	17	,	,	PUNCT
fsr-3465	125	18	we	we	PRON
fsr-3465	125	19	will	will	AUX
fsr-3465	125	20	be	be	AUX
fsr-3465	125	21	more	more	ADV
fsr-3465	125	22	emboldened	emboldened	ADJ
fsr-3465	125	23	to	to	PART
fsr-3465	125	24	consider	consider	VERB
fsr-3465	125	25	this	this	DET
fsr-3465	125	26	stage	stage	NOUN
fsr-3465	125	27	of	of	ADP
fsr-3465	125	28	the	the	DET
fsr-3465	125	29	research	research	NOUN
fsr-3465	125	30	successful	successful	ADJ
fsr-3465	125	31	,	,	PUNCT
fsr-3465	125	32	warranting	warrant	VERB
fsr-3465	125	33	further	further	ADJ
fsr-3465	125	34	analysis	analysis	NOUN
fsr-3465	125	35	of	of	ADP
fsr-3465	125	36	behaviors	behavior	NOUN
fsr-3465	125	37	.	.	PUNCT
fsr-3465	126	1	5	5	X
fsr-3465	126	2	.	.	X
fsr-3465	126	3	section	section	NOUN
fsr-3465	126	4	4	4	NUM
fsr-3465	126	5	:	:	PUNCT
fsr-3465	126	6	hypothesis	hypothesis	NOUN
fsr-3465	126	7	development	development	NOUN
fsr-3465	126	8	,	,	PUNCT
fsr-3465	126	9	empirical	empirical	ADJ
fsr-3465	126	10	model	model	NOUN
fsr-3465	126	11	,	,	PUNCT
fsr-3465	126	12	and	and	CCONJ
fsr-3465	126	13	summary	summary	NOUN
fsr-3465	126	14	statistics	statistic	NOUN
fsr-3465	126	15	5.1	5.1	NUM
fsr-3465	126	16	.	.	PUNCT
fsr-3465	127	1	section	section	NOUN
fsr-3465	127	2	4.1	4.1	NUM
fsr-3465	127	3	:	:	PUNCT
fsr-3465	127	4	hypotheses	hypothese	VERB
fsr-3465	127	5	the	the	DET
fsr-3465	127	6	primary	primary	ADJ
fsr-3465	127	7	purpose	purpose	NOUN
fsr-3465	127	8	of	of	ADP
fsr-3465	127	9	the	the	DET
fsr-3465	127	10	pfp	pfp	PROPN
fsr-3465	127	11	program	program	NOUN
fsr-3465	127	12	is	be	AUX
fsr-3465	127	13	to	to	PART
fsr-3465	127	14	improve	improve	VERB
fsr-3465	127	15	college	college	NOUN
fsr-3465	127	16	student	student	NOUN
fsr-3465	127	17	financial	financial	ADJ
fsr-3465	127	18	literacy	literacy	NOUN
fsr-3465	127	19	as	as	SCONJ
fsr-3465	127	20	measured	measure	VERB
fsr-3465	127	21	through	through	ADP
fsr-3465	127	22	an	an	DET
fsr-3465	127	23	evaluative	evaluative	ADJ
fsr-3465	127	24	survey	survey	NOUN
fsr-3465	127	25	and	and	CCONJ
fsr-3465	127	26	ultimately	ultimately	ADV
fsr-3465	127	27	behaviors	behavior	NOUN
fsr-3465	127	28	.	.	PUNCT
fsr-3465	128	1	thus	thus	ADV
fsr-3465	128	2	,	,	PUNCT
fsr-3465	128	3	the	the	DET
fsr-3465	128	4	foundational	foundational	ADJ
fsr-3465	128	5	320	320	NUM
fsr-3465	128	6	j.	j.	PROPN
fsr-3465	128	7	handy	handy	PROPN
fsr-3465	128	8	et	et	PROPN
fsr-3465	128	9	al	al	PROPN
fsr-3465	128	10	.	.	PUNCT
fsr-3465	128	11	/	/	SYM
fsr-3465	128	12	financial	financial	ADJ
fsr-3465	128	13	services	service	NOUN
fsr-3465	128	14	review	review	VERB
fsr-3465	128	15	29	29	NUM
fsr-3465	128	16	(	(	PUNCT
fsr-3465	128	17	2021	2021	NUM
fsr-3465	128	18	)	)	PUNCT
fsr-3465	129	1	315–341	315–341	NUM
fsr-3465	129	2	hypothesis	hypothesis	NOUN
fsr-3465	129	3	is	be	AUX
fsr-3465	129	4	that	that	SCONJ
fsr-3465	129	5	the	the	DET
fsr-3465	129	6	program	program	NOUN
fsr-3465	129	7	will	will	AUX
fsr-3465	129	8	improve	improve	VERB
fsr-3465	129	9	financial	financial	ADJ
fsr-3465	129	10	knowledge	knowledge	NOUN
fsr-3465	129	11	for	for	ADP
fsr-3465	129	12	our	our	PRON
fsr-3465	129	13	participants	participant	NOUN
fsr-3465	129	14	(	(	PUNCT
fsr-3465	129	15	treatment	treatment	NOUN
fsr-3465	129	16	)	)	PUNCT
fsr-3465	129	17	and	and	CCONJ
fsr-3465	129	18	that	that	SCONJ
fsr-3465	129	19	no	no	DET
fsr-3465	129	20	similar	similar	ADJ
fsr-3465	129	21	increase	increase	NOUN
fsr-3465	129	22	would	would	AUX
fsr-3465	129	23	be	be	AUX
fsr-3465	129	24	found	find	VERB
fsr-3465	129	25	for	for	ADP
fsr-3465	129	26	the	the	DET
fsr-3465	129	27	control	control	NOUN
fsr-3465	129	28	group	group	NOUN
fsr-3465	129	29	(	(	PUNCT
fsr-3465	129	30	future	future	ADJ
fsr-3465	129	31	research	research	NOUN
fsr-3465	129	32	will	will	AUX
fsr-3465	129	33	address	address	VERB
fsr-3465	129	34	changes	change	NOUN
fsr-3465	129	35	in	in	ADP
fsr-3465	129	36	behaviors	behavior	NOUN
fsr-3465	129	37	after	after	ADP
fsr-3465	129	38	the	the	DET
fsr-3465	129	39	program	program	NOUN
fsr-3465	129	40	.	.	PUNCT
fsr-3465	129	41	)	)	PUNCT
fsr-3465	130	1	specifically	specifically	ADV
fsr-3465	130	2	:	:	PUNCT
fsr-3465	130	3	hypothesis	hypothesis	NOUN
fsr-3465	130	4	1	1	NUM
fsr-3465	130	5	:	:	PUNCT
fsr-3465	130	6	after	after	ADP
fsr-3465	130	7	participating	participate	VERB
fsr-3465	130	8	in	in	ADP
fsr-3465	130	9	the	the	DET
fsr-3465	130	10	pfp	pfp	PROPN
fsr-3465	130	11	,	,	PUNCT
fsr-3465	130	12	participants	participant	NOUN
fsr-3465	130	13	(	(	PUNCT
fsr-3465	130	14	treatment	treatment	NOUN
fsr-3465	130	15	group	group	NOUN
fsr-3465	130	16	)	)	PUNCT
fsr-3465	130	17	will	will	AUX
fsr-3465	130	18	score	score	VERB
fsr-3465	130	19	higher	higher	ADV
fsr-3465	130	20	on	on	ADP
fsr-3465	130	21	the	the	DET
fsr-3465	130	22	financial	financial	ADJ
fsr-3465	130	23	knowledge	knowledge	NOUN
fsr-3465	130	24	portion	portion	NOUN
fsr-3465	130	25	of	of	ADP
fsr-3465	130	26	the	the	DET
fsr-3465	130	27	post	post	NOUN
fsr-3465	130	28	-	-	NOUN
fsr-3465	130	29	survey	survey	NOUN
fsr-3465	130	30	than	than	SCONJ
fsr-3465	130	31	they	they	PRON
fsr-3465	130	32	did	do	AUX
fsr-3465	130	33	on	on	ADP
fsr-3465	130	34	the	the	DET
fsr-3465	130	35	pre	pre	NOUN
fsr-3465	130	36	-	-	NOUN
fsr-3465	130	37	survey	survey	ADJ
fsr-3465	130	38	and	and	CCONJ
fsr-3465	130	39	non	non	NOUN
fsr-3465	130	40	-	-	NOUN
fsr-3465	130	41	participants	participant	NOUN
fsr-3465	130	42	(	(	PUNCT
fsr-3465	130	43	control	control	NOUN
fsr-3465	130	44	group	group	NOUN
fsr-3465	130	45	)	)	PUNCT
fsr-3465	130	46	will	will	AUX
fsr-3465	130	47	show	show	VERB
fsr-3465	130	48	no	no	DET
fsr-3465	130	49	improvement	improvement	NOUN
fsr-3465	130	50	from	from	ADP
fsr-3465	130	51	the	the	DET
fsr-3465	130	52	preto	preto	NOUN
fsr-3465	130	53	post	post	NOUN
fsr-3465	130	54	-	-	NOUN
fsr-3465	130	55	test	test	NOUN
fsr-3465	130	56	.	.	PUNCT
fsr-3465	131	1	prior	prior	ADJ
fsr-3465	131	2	research	research	NOUN
fsr-3465	131	3	demonstrates	demonstrate	VERB
fsr-3465	131	4	that	that	SCONJ
fsr-3465	131	5	women	woman	NOUN
fsr-3465	131	6	have	have	VERB
fsr-3465	131	7	lower	low	ADJ
fsr-3465	131	8	financial	financial	ADJ
fsr-3465	131	9	knowledge	knowledge	NOUN
fsr-3465	131	10	levels	level	NOUN
fsr-3465	131	11	than	than	ADP
fsr-3465	131	12	men	man	NOUN
fsr-3465	131	13	(	(	PUNCT
fsr-3465	131	14	e.g.	e.g.	ADV
fsr-3465	131	15	,	,	PUNCT
fsr-3465	131	16	lusardi	lusardi	PROPN
fsr-3465	131	17	&	&	CCONJ
fsr-3465	131	18	mitchell	mitchell	PROPN
fsr-3465	131	19	,	,	PUNCT
fsr-3465	131	20	2007	2007	NUM
fsr-3465	131	21	;	;	PUNCT
fsr-3465	131	22	lusardi	lusardi	PROPN
fsr-3465	131	23	&	&	CCONJ
fsr-3465	131	24	tufano	tufano	PROPN
fsr-3465	131	25	,	,	PUNCT
fsr-3465	131	26	2009	2009	NUM
fsr-3465	131	27	;	;	PUNCT
fsr-3465	131	28	lusardi	lusardi	PROPN
fsr-3465	131	29	et	et	PROPN
fsr-3465	131	30	al	al	PROPN
fsr-3465	131	31	.	.	PROPN
fsr-3465	131	32	,	,	PUNCT
fsr-3465	131	33	2010	2010	NUM
fsr-3465	131	34	)	)	PUNCT
fsr-3465	131	35	.	.	PUNCT
fsr-3465	132	1	a	a	DET
fsr-3465	132	2	program	program	NOUN
fsr-3465	132	3	that	that	PRON
fsr-3465	132	4	effectively	effectively	ADV
fsr-3465	132	5	improves	improve	VERB
fsr-3465	132	6	financial	financial	ADJ
fsr-3465	132	7	literacy	literacy	NOUN
fsr-3465	132	8	should	should	AUX
fsr-3465	132	9	do	do	VERB
fsr-3465	132	10	so	so	ADV
fsr-3465	132	11	for	for	ADP
fsr-3465	132	12	all	all	PRON
fsr-3465	132	13	.	.	PUNCT
fsr-3465	133	1	as	as	ADP
fsr-3465	133	2	such	such	ADJ
fsr-3465	133	3	,	,	PUNCT
fsr-3465	133	4	hypothesis	hypothesis	NOUN
fsr-3465	133	5	2	2	NUM
fsr-3465	133	6	states	state	NOUN
fsr-3465	133	7	:	:	PUNCT
fsr-3465	133	8	hypothesis	hypothesis	NOUN
fsr-3465	133	9	2	2	NUM
fsr-3465	133	10	:	:	PUNCT
fsr-3465	133	11	female	female	ADJ
fsr-3465	133	12	pfp	pfp	PROPN
fsr-3465	133	13	participants	participant	NOUN
fsr-3465	133	14	will	will	AUX
fsr-3465	133	15	score	score	VERB
fsr-3465	133	16	no	no	ADV
fsr-3465	133	17	differently	differently	ADV
fsr-3465	133	18	than	than	ADP
fsr-3465	133	19	male	male	ADJ
fsr-3465	133	20	participants	participant	NOUN
fsr-3465	133	21	on	on	ADP
fsr-3465	133	22	the	the	DET
fsr-3465	133	23	financial	financial	ADJ
fsr-3465	133	24	knowledge	knowledge	NOUN
fsr-3465	133	25	portion	portion	NOUN
fsr-3465	133	26	of	of	ADP
fsr-3465	133	27	the	the	DET
fsr-3465	133	28	post	post	ADJ
fsr-3465	133	29	-	-	ADJ
fsr-3465	133	30	survey	survey	ADJ
fsr-3465	133	31	following	follow	VERB
fsr-3465	133	32	completion	completion	NOUN
fsr-3465	133	33	of	of	ADP
fsr-3465	133	34	the	the	DET
fsr-3465	133	35	pfp	pfp	PROPN
fsr-3465	133	36	,	,	PUNCT
fsr-3465	133	37	that	that	ADV
fsr-3465	133	38	is	is	ADV
fsr-3465	133	39	,	,	PUNCT
fsr-3465	133	40	assuming	assume	VERB
fsr-3465	133	41	women	woman	NOUN
fsr-3465	133	42	will	will	AUX
fsr-3465	133	43	score	score	VERB
fsr-3465	133	44	lower	lower	ADV
fsr-3465	133	45	on	on	ADP
fsr-3465	133	46	the	the	DET
fsr-3465	133	47	pre	pre	NOUN
fsr-3465	133	48	-	-	NOUN
fsr-3465	133	49	survey	survey	NOUN
fsr-3465	133	50	(	(	PUNCT
fsr-3465	133	51	as	as	SCONJ
fsr-3465	133	52	has	have	AUX
fsr-3465	133	53	been	be	AUX
fsr-3465	133	54	found	find	VERB
fsr-3465	133	55	in	in	ADP
fsr-3465	133	56	previous	previous	ADJ
fsr-3465	133	57	research	research	NOUN
fsr-3465	133	58	)	)	PUNCT
fsr-3465	133	59	,	,	PUNCT
fsr-3465	133	60	with	with	ADP
fsr-3465	133	61	exposure	exposure	NOUN
fsr-3465	133	62	to	to	ADP
fsr-3465	133	63	the	the	DET
fsr-3465	133	64	seminar	seminar	NOUN
fsr-3465	133	65	,	,	PUNCT
fsr-3465	133	66	female	female	ADJ
fsr-3465	133	67	participants	participant	NOUN
fsr-3465	133	68	will	will	AUX
fsr-3465	133	69	close	close	VERB
fsr-3465	133	70	this	this	DET
fsr-3465	133	71	knowledge	knowledge	NOUN
fsr-3465	133	72	gap	gap	NOUN
fsr-3465	133	73	with	with	ADP
fsr-3465	133	74	their	their	PRON
fsr-3465	133	75	male	male	ADJ
fsr-3465	133	76	pfp	pfp	PROPN
fsr-3465	133	77	peers	peer	NOUN
fsr-3465	133	78	.	.	PUNCT
fsr-3465	134	1	as	as	ADP
fsr-3465	134	2	with	with	ADP
fsr-3465	134	3	gender	gender	NOUN
fsr-3465	134	4	,	,	PUNCT
fsr-3465	134	5	prior	prior	ADJ
fsr-3465	134	6	research	research	NOUN
fsr-3465	134	7	shows	show	VERB
fsr-3465	134	8	that	that	SCONJ
fsr-3465	134	9	minorities	minority	NOUN
fsr-3465	134	10	exhibit	exhibit	VERB
fsr-3465	134	11	lower	low	ADJ
fsr-3465	134	12	levels	level	NOUN
fsr-3465	134	13	of	of	ADP
fsr-3465	134	14	knowledge	knowledge	NOUN
fsr-3465	134	15	than	than	ADP
fsr-3465	134	16	their	their	PRON
fsr-3465	134	17	peers	peer	NOUN
fsr-3465	134	18	(	(	PUNCT
fsr-3465	134	19	e.g.	e.g.	ADV
fsr-3465	134	20	,	,	PUNCT
fsr-3465	134	21	lusardi	lusardi	PROPN
fsr-3465	134	22	&	&	CCONJ
fsr-3465	134	23	mitchell	mitchell	PROPN
fsr-3465	134	24	,	,	PUNCT
fsr-3465	134	25	2007	2007	NUM
fsr-3465	134	26	,	,	PUNCT
fsr-3465	134	27	2011	2011	NUM
fsr-3465	134	28	)	)	PUNCT
fsr-3465	134	29	.	.	PUNCT
fsr-3465	135	1	a	a	DET
fsr-3465	135	2	successful	successful	ADJ
fsr-3465	135	3	program	program	NOUN
fsr-3465	135	4	should	should	AUX
fsr-3465	135	5	help	help	VERB
fsr-3465	135	6	close	close	VERB
fsr-3465	135	7	or	or	CCONJ
fsr-3465	135	8	eliminate	eliminate	VERB
fsr-3465	135	9	this	this	DET
fsr-3465	135	10	gap	gap	NOUN
fsr-3465	135	11	if	if	SCONJ
fsr-3465	135	12	effective	effective	ADJ
fsr-3465	135	13	.	.	PUNCT
fsr-3465	136	1	as	as	ADP
fsr-3465	136	2	such	such	ADJ
fsr-3465	136	3	,	,	PUNCT
fsr-3465	136	4	hypothesis	hypothesis	NOUN
fsr-3465	136	5	3	3	NUM
fsr-3465	136	6	states	state	NOUN
fsr-3465	136	7	:	:	PUNCT
fsr-3465	136	8	hypothesis	hypothesis	NOUN
fsr-3465	136	9	3	3	NUM
fsr-3465	136	10	:	:	PUNCT
fsr-3465	136	11	minority	minority	NOUN
fsr-3465	136	12	pfp	pfp	PROPN
fsr-3465	136	13	participants	participant	NOUN
fsr-3465	136	14	will	will	AUX
fsr-3465	136	15	score	score	VERB
fsr-3465	136	16	no	no	ADV
fsr-3465	136	17	differently	differently	ADV
fsr-3465	136	18	than	than	ADP
fsr-3465	136	19	white	white	ADJ
fsr-3465	136	20	peers	peer	NOUN
fsr-3465	136	21	on	on	ADP
fsr-3465	136	22	the	the	DET
fsr-3465	136	23	financial	financial	ADJ
fsr-3465	136	24	knowledge	knowledge	NOUN
fsr-3465	136	25	portion	portion	NOUN
fsr-3465	136	26	of	of	ADP
fsr-3465	136	27	the	the	DET
fsr-3465	136	28	post	post	ADJ
fsr-3465	136	29	-	-	ADJ
fsr-3465	136	30	survey	survey	ADJ
fsr-3465	136	31	following	follow	VERB
fsr-3465	136	32	completion	completion	NOUN
fsr-3465	136	33	of	of	ADP
fsr-3465	136	34	the	the	DET
fsr-3465	136	35	pfp	pfp	PROPN
fsr-3465	136	36	program	program	NOUN
fsr-3465	136	37	,	,	PUNCT
fsr-3465	136	38	that	that	ADV
fsr-3465	136	39	is	is	ADV
fsr-3465	136	40	,	,	PUNCT
fsr-3465	136	41	assuming	assume	VERB
fsr-3465	136	42	minority	minority	NOUN
fsr-3465	136	43	participants	participant	NOUN
fsr-3465	136	44	will	will	AUX
fsr-3465	136	45	score	score	VERB
fsr-3465	136	46	lower	lower	ADV
fsr-3465	136	47	on	on	ADP
fsr-3465	136	48	the	the	DET
fsr-3465	136	49	pre	pre	NOUN
fsr-3465	136	50	-	-	NOUN
fsr-3465	136	51	survey	survey	NOUN
fsr-3465	136	52	(	(	PUNCT
fsr-3465	136	53	as	as	SCONJ
fsr-3465	136	54	has	have	AUX
fsr-3465	136	55	been	be	AUX
fsr-3465	136	56	found	find	VERB
fsr-3465	136	57	in	in	ADP
fsr-3465	136	58	previous	previous	ADJ
fsr-3465	136	59	research	research	NOUN
fsr-3465	136	60	)	)	PUNCT
fsr-3465	136	61	,	,	PUNCT
fsr-3465	136	62	with	with	ADP
fsr-3465	136	63	exposure	exposure	NOUN
fsr-3465	136	64	to	to	ADP
fsr-3465	136	65	the	the	DET
fsr-3465	136	66	seminar	seminar	NOUN
fsr-3465	136	67	,	,	PUNCT
fsr-3465	136	68	minority	minority	NOUN
fsr-3465	136	69	participants	participant	NOUN
fsr-3465	136	70	will	will	AUX
fsr-3465	136	71	close	close	VERB
fsr-3465	136	72	the	the	DET
fsr-3465	136	73	knowledge	knowledge	NOUN
fsr-3465	136	74	gap	gap	NOUN
fsr-3465	136	75	with	with	ADP
fsr-3465	136	76	theirwhite	theirwhite	NOUN
fsr-3465	136	77	peers	peer	NOUN
fsr-3465	136	78	.	.	PUNCT
fsr-3465	137	1	pfp	pfp	PROPN
fsr-3465	137	2	is	be	AUX
fsr-3465	137	3	available	available	ADJ
fsr-3465	137	4	only	only	ADV
fsr-3465	137	5	to	to	ADP
fsr-3465	137	6	senior	senior	ADJ
fsr-3465	137	7	undergraduate	undergraduate	NOUN
fsr-3465	137	8	students	student	NOUN
fsr-3465	137	9	.	.	PUNCT
fsr-3465	138	1	the	the	DET
fsr-3465	138	2	transition	transition	NOUN
fsr-3465	138	3	from	from	ADP
fsr-3465	138	4	college	college	NOUN
fsr-3465	138	5	into	into	ADP
fsr-3465	138	6	the	the	DET
fsr-3465	138	7	next	next	ADJ
fsr-3465	138	8	phase	phase	NOUN
fsr-3465	138	9	of	of	ADP
fsr-3465	138	10	life	life	NOUN
fsr-3465	138	11	,	,	PUNCT
fsr-3465	138	12	traditionally	traditionally	ADV
fsr-3465	138	13	either	either	CCONJ
fsr-3465	138	14	graduate	graduate	ADJ
fsr-3465	138	15	school	school	NOUN
fsr-3465	138	16	or	or	CCONJ
fsr-3465	138	17	into	into	ADP
fsr-3465	138	18	a	a	DET
fsr-3465	138	19	job	job	NOUN
fsr-3465	138	20	environment	environment	NOUN
fsr-3465	138	21	,	,	PUNCT
fsr-3465	138	22	requires	require	VERB
fsr-3465	138	23	a	a	DET
fsr-3465	138	24	significant	significant	ADJ
fsr-3465	138	25	change	change	NOUN
fsr-3465	138	26	in	in	ADP
fsr-3465	138	27	one	one	NUM
fsr-3465	138	28	’s	’s	PART
fsr-3465	138	29	level	level	NOUN
fsr-3465	138	30	of	of	ADP
fsr-3465	138	31	independent	independent	ADJ
fsr-3465	138	32	financial	financial	ADJ
fsr-3465	138	33	decision	decision	NOUN
fsr-3465	138	34	-	-	PUNCT
fsr-3465	138	35	making	making	NOUN
fsr-3465	138	36	.	.	PUNCT
fsr-3465	139	1	those	those	DET
fsr-3465	139	2	students	student	NOUN
fsr-3465	139	3	who	who	PRON
fsr-3465	139	4	perceive	perceive	VERB
fsr-3465	139	5	themselves	themselves	PRON
fsr-3465	139	6	to	to	PART
fsr-3465	139	7	be	be	AUX
fsr-3465	139	8	less	less	ADV
fsr-3465	139	9	prepared	prepared	ADJ
fsr-3465	139	10	for	for	ADP
fsr-3465	139	11	such	such	DET
fsr-3465	139	12	a	a	DET
fsr-3465	139	13	transition	transition	NOUN
fsr-3465	139	14	are	be	AUX
fsr-3465	139	15	likely	likely	ADJ
fsr-3465	139	16	to	to	PART
fsr-3465	139	17	face	face	VERB
fsr-3465	139	18	increased	increase	VERB
fsr-3465	139	19	anxiety	anxiety	NOUN
fsr-3465	139	20	and	and	CCONJ
fsr-3465	139	21	lower	low	ADJ
fsr-3465	139	22	confidence	confidence	NOUN
fsr-3465	139	23	regarding	regard	VERB
fsr-3465	139	24	their	their	PRON
fsr-3465	139	25	financial	financial	ADJ
fsr-3465	139	26	future	future	NOUN
fsr-3465	139	27	,	,	PUNCT
fsr-3465	139	28	which	which	PRON
fsr-3465	139	29	could	could	AUX
fsr-3465	139	30	increase	increase	VERB
fsr-3465	139	31	the	the	DET
fsr-3465	139	32	likelihood	likelihood	NOUN
fsr-3465	139	33	of	of	ADP
fsr-3465	139	34	students	student	NOUN
fsr-3465	139	35	failing	fail	VERB
fsr-3465	139	36	to	to	PART
fsr-3465	139	37	act	act	VERB
fsr-3465	139	38	on	on	ADP
fsr-3465	139	39	important	important	ADJ
fsr-3465	139	40	financial	financial	ADJ
fsr-3465	139	41	decisions	decision	NOUN
fsr-3465	139	42	.	.	PUNCT
fsr-3465	140	1	if	if	SCONJ
fsr-3465	140	2	pfp	pfp	PROPN
fsr-3465	140	3	effectively	effectively	ADV
fsr-3465	140	4	improves	improve	VERB
fsr-3465	140	5	financial	financial	ADJ
fsr-3465	140	6	knowledge	knowledge	NOUN
fsr-3465	140	7	,	,	PUNCT
fsr-3465	140	8	then	then	ADV
fsr-3465	140	9	we	we	PRON
fsr-3465	140	10	would	would	AUX
fsr-3465	140	11	predict	predict	VERB
fsr-3465	140	12	that	that	DET
fsr-3465	140	13	confidence	confidence	NOUN
fsr-3465	140	14	in	in	ADP
fsr-3465	140	15	the	the	DET
fsr-3465	140	16	ability	ability	NOUN
fsr-3465	140	17	to	to	PART
fsr-3465	140	18	manage	manage	VERB
fsr-3465	140	19	one	one	NUM
fsr-3465	140	20	’s	’s	PART
fsr-3465	140	21	financial	financial	ADJ
fsr-3465	140	22	future	future	NOUN
fsr-3465	140	23	may	may	AUX
fsr-3465	140	24	also	also	ADV
fsr-3465	140	25	increase	increase	VERB
fsr-3465	140	26	.	.	PUNCT
fsr-3465	141	1	note	note	VERB
fsr-3465	141	2	that	that	SCONJ
fsr-3465	141	3	this	this	DET
fsr-3465	141	4	confidence	confidence	NOUN
fsr-3465	141	5	metric	metric	ADJ
fsr-3465	141	6	does	do	AUX
fsr-3465	141	7	not	not	PART
fsr-3465	141	8	gauge	gauge	VERB
fsr-3465	141	9	a	a	DET
fsr-3465	141	10	student	student	NOUN
fsr-3465	141	11	’s	’s	PART
fsr-3465	141	12	confidence	confidence	NOUN
fsr-3465	141	13	in	in	ADP
fsr-3465	141	14	how	how	SCONJ
fsr-3465	141	15	they	they	PRON
fsr-3465	141	16	answered	answer	VERB
fsr-3465	141	17	the	the	DET
fsr-3465	141	18	financial	financial	ADJ
fsr-3465	141	19	knowledge	knowledge	NOUN
fsr-3465	141	20	questions	question	NOUN
fsr-3465	141	21	,	,	PUNCT
fsr-3465	141	22	but	but	CCONJ
fsr-3465	141	23	the	the	DET
fsr-3465	141	24	student	student	NOUN
fsr-3465	141	25	’s	’s	PART
fsr-3465	141	26	confidence	confidence	NOUN
fsr-3465	141	27	in	in	ADP
fsr-3465	141	28	their	their	PRON
fsr-3465	141	29	ability	ability	NOUN
fsr-3465	141	30	to	to	PART
fsr-3465	141	31	manage	manage	VERB
fsr-3465	141	32	their	their	PRON
fsr-3465	141	33	financial	financial	ADJ
fsr-3465	141	34	future	future	NOUN
fsr-3465	141	35	after	after	ADP
fsr-3465	141	36	college	college	NOUN
fsr-3465	141	37	.	.	PUNCT
fsr-3465	142	1	the	the	DET
fsr-3465	142	2	survey	survey	NOUN
fsr-3465	142	3	question	question	NOUN
fsr-3465	142	4	used	use	VERB
fsr-3465	142	5	to	to	PART
fsr-3465	142	6	gauge	gauge	VERB
fsr-3465	142	7	their	their	PRON
fsr-3465	142	8	confidence	confidence	NOUN
fsr-3465	142	9	is	be	AUX
fsr-3465	142	10	“	"	PUNCT
fsr-3465	142	11	i	i	PRON
fsr-3465	142	12	consider	consider	VERB
fsr-3465	142	13	myself	myself	PRON
fsr-3465	142	14	to	to	PART
fsr-3465	142	15	be	be	AUX
fsr-3465	142	16	_	_	NOUN
fsr-3465	142	17	_	_	PUNCT
fsr-3465	143	1	_	_	PUNCT
fsr-3465	144	1	_	_	PUNCT
fsr-3465	145	1	_	_	PUNCT
fsr-3465	146	1	_	_	PUNCT
fsr-3465	147	1	_	_	PUNCT
fsr-3465	148	1	_	_	PUNCT
fsr-3465	149	1	_	_	PUNCT
fsr-3465	150	1	_	_	PUNCT
fsr-3465	151	1	_	_	PUNCT
fsr-3465	152	1	_	_	PUNCT
fsr-3465	153	1	_	_	PUNCT
fsr-3465	154	1	_	_	PUNCT
fsr-3465	155	1	_	_	PUNCT
fsr-3465	156	1	_	_	PUNCT
fsr-3465	157	1	_	_	PUNCT
fsr-3465	158	1	_	_	PUNCT
fsr-3465	159	1	_	_	PUNCT
fsr-3465	160	1	_	_	PUNCT
fsr-3465	161	1	_	_	PUNCT
fsr-3465	161	2	about	about	ADP
fsr-3465	161	3	managing	manage	VERB
fsr-3465	161	4	my	my	PRON
fsr-3465	161	5	personal	personal	ADJ
fsr-3465	161	6	finances	finance	NOUN
fsr-3465	161	7	after	after	ADP
fsr-3465	161	8	college	college	NOUN
fsr-3465	161	9	,	,	PUNCT
fsr-3465	161	10	”	"	PUNCT
fsr-3465	161	11	with	with	ADP
fsr-3465	161	12	five	five	NUM
fsr-3465	161	13	responses	response	NOUN
fsr-3465	161	14	ranging	range	VERB
fsr-3465	161	15	from	from	ADP
fsr-3465	161	16	“	"	PUNCT
fsr-3465	161	17	not	not	PART
fsr-3465	161	18	at	at	ADV
fsr-3465	161	19	all	all	ADV
fsr-3465	161	20	confident	confident	ADJ
fsr-3465	161	21	”	"	PUNCT
fsr-3465	161	22	to	to	ADP
fsr-3465	161	23	“	"	PUNCT
fsr-3465	161	24	extremely	extremely	ADV
fsr-3465	161	25	confident	confident	ADJ
fsr-3465	161	26	.	.	PUNCT
fsr-3465	161	27	”	"	PUNCT
fsr-3465	162	1	based	base	VERB
fsr-3465	162	2	on	on	ADP
fsr-3465	162	3	responses	response	NOUN
fsr-3465	162	4	to	to	ADP
fsr-3465	162	5	this	this	DET
fsr-3465	162	6	question	question	NOUN
fsr-3465	162	7	from	from	ADP
fsr-3465	162	8	the	the	DET
fsr-3465	162	9	pre	pre	NOUN
fsr-3465	162	10	and	and	CCONJ
fsr-3465	162	11	post	post	VERB
fsr-3465	162	12	pfp	pfp	PROPN
fsr-3465	162	13	surveys	survey	NOUN
fsr-3465	162	14	,	,	PUNCT
fsr-3465	162	15	hypothesis	hypothesis	NOUN
fsr-3465	162	16	4	4	NUM
fsr-3465	162	17	states	state	NOUN
fsr-3465	162	18	:	:	PUNCT
fsr-3465	162	19	hypothesis	hypothesis	NOUN
fsr-3465	162	20	4	4	NUM
fsr-3465	162	21	:	:	PUNCT
fsr-3465	162	22	pfp	pfp	PROPN
fsr-3465	162	23	participants	participant	NOUN
fsr-3465	162	24	(	(	PUNCT
fsr-3465	162	25	treatment	treatment	NOUN
fsr-3465	162	26	)	)	PUNCT
fsr-3465	162	27	will	will	AUX
fsr-3465	162	28	express	express	VERB
fsr-3465	162	29	higher	high	ADJ
fsr-3465	162	30	levels	level	NOUN
fsr-3465	162	31	of	of	ADP
fsr-3465	162	32	confidence	confidence	NOUN
fsr-3465	162	33	regarding	regard	VERB
fsr-3465	162	34	their	their	PRON
fsr-3465	162	35	future	future	ADJ
fsr-3465	162	36	financial	financial	ADJ
fsr-3465	162	37	outlooks	outlook	NOUN
fsr-3465	162	38	in	in	ADP
fsr-3465	162	39	the	the	DET
fsr-3465	162	40	post	post	ADJ
fsr-3465	162	41	-	-	ADJ
fsr-3465	162	42	survey	survey	ADJ
fsr-3465	162	43	relative	relative	ADJ
fsr-3465	162	44	to	to	ADP
fsr-3465	162	45	the	the	DET
fsr-3465	162	46	pre	pre	NOUN
fsr-3465	162	47	-	-	NOUN
fsr-3465	162	48	survey	survey	NOUN
fsr-3465	162	49	,	,	PUNCT
fsr-3465	162	50	and	and	CCONJ
fsr-3465	162	51	nonparticipants	nonparticipant	NOUN
fsr-3465	162	52	(	(	PUNCT
fsr-3465	162	53	control	control	NOUN
fsr-3465	162	54	)	)	PUNCT
fsr-3465	162	55	will	will	AUX
fsr-3465	162	56	see	see	VERB
fsr-3465	162	57	no	no	DET
fsr-3465	162	58	such	such	ADJ
fsr-3465	162	59	change	change	NOUN
fsr-3465	162	60	.	.	PUNCT
fsr-3465	163	1	j.	j.	PROPN
fsr-3465	163	2	handy	handy	PROPN
fsr-3465	163	3	et	et	PROPN
fsr-3465	163	4	al	al	PROPN
fsr-3465	163	5	.	.	PUNCT
fsr-3465	163	6	/	/	SYM
fsr-3465	163	7	financial	financial	ADJ
fsr-3465	163	8	services	service	NOUN
fsr-3465	163	9	review	review	VERB
fsr-3465	163	10	29	29	NUM
fsr-3465	163	11	(	(	PUNCT
fsr-3465	163	12	2021	2021	NUM
fsr-3465	163	13	)	)	PUNCT
fsr-3465	164	1	315–341	315–341	NUM
fsr-3465	164	2	321	321	NUM
fsr-3465	164	3	5.2	5.2	NUM
fsr-3465	164	4	.	.	PUNCT
fsr-3465	165	1	section	section	NOUN
fsr-3465	165	2	4.2	4.2	NUM
fsr-3465	165	3	:	:	PUNCT
fsr-3465	165	4	empirical	empirical	ADJ
fsr-3465	165	5	model	model	NOUN
fsr-3465	165	6	(	(	PUNCT
fsr-3465	165	7	see	see	VERB
fsr-3465	165	8	table	table	NOUN
fsr-3465	165	9	2	2	NUM
fsr-3465	165	10	for	for	ADP
fsr-3465	165	11	a	a	DET
fsr-3465	165	12	summary	summary	NOUN
fsr-3465	165	13	of	of	ADP
fsr-3465	165	14	variable	variable	ADJ
fsr-3465	165	15	definitions	definition	NOUN
fsr-3465	165	16	)	)	PUNCT
fsr-3465	165	17	a	a	DET
fsr-3465	165	18	significant	significant	ADJ
fsr-3465	165	19	strength	strength	NOUN
fsr-3465	165	20	of	of	ADP
fsr-3465	165	21	this	this	DET
fsr-3465	165	22	research	research	NOUN
fsr-3465	165	23	relative	relative	ADJ
fsr-3465	165	24	to	to	ADP
fsr-3465	165	25	prior	prior	ADJ
fsr-3465	165	26	work	work	NOUN
fsr-3465	165	27	is	be	AUX
fsr-3465	165	28	the	the	DET
fsr-3465	165	29	pretest	pret	ADJ
fsr-3465	165	30	,	,	PUNCT
fsr-3465	165	31	post	post	ADJ
fsr-3465	165	32	-	-	ADJ
fsr-3465	165	33	test	test	ADJ
fsr-3465	165	34	design	design	NOUN
fsr-3465	165	35	with	with	ADP
fsr-3465	165	36	a	a	DET
fsr-3465	165	37	control	control	NOUN
fsr-3465	165	38	group	group	NOUN
fsr-3465	165	39	comparison	comparison	NOUN
fsr-3465	165	40	.	.	PUNCT
fsr-3465	166	1	thus	thus	ADV
fsr-3465	166	2	,	,	PUNCT
fsr-3465	166	3	the	the	DET
fsr-3465	166	4	authors	author	NOUN
fsr-3465	166	5	utilize	utilize	VERB
fsr-3465	166	6	a	a	DET
fsr-3465	166	7	multivariate	multivariate	NOUN
fsr-3465	166	8	difference	difference	NOUN
fsr-3465	166	9	-	-	PUNCT
fsr-3465	166	10	in	in	ADP
fsr-3465	166	11	-	-	PUNCT
fsr-3465	166	12	difference	difference	NOUN
fsr-3465	166	13	regression	regression	NOUN
fsr-3465	166	14	to	to	PART
fsr-3465	166	15	analyze	analyze	VERB
fsr-3465	166	16	the	the	DET
fsr-3465	166	17	program	program	NOUN
fsr-3465	166	18	’s	’s	PART
fsr-3465	166	19	effectiveness	effectiveness	NOUN
fsr-3465	166	20	.	.	PUNCT
fsr-3465	167	1	the	the	DET
fsr-3465	167	2	model	model	NOUN
fsr-3465	167	3	is	be	AUX
fsr-3465	167	4	as	as	SCONJ
fsr-3465	167	5	follows	follow	VERB
fsr-3465	167	6	:	:	PUNCT
fsr-3465	167	7	finlitvar	finlitvar	NOUN
fsr-3465	167	8	¼	¼	NOUN
fsr-3465	167	9	aþ	aþ	ADP
fsr-3465	167	10	b	b	PROPN
fsr-3465	167	11	1postpfpdummyþ	1postpfpdummyþ	NUM
fsr-3465	167	12	b	b	PROPN
fsr-3465	167	13	2treatment	2treatment	NUM
fsr-3465	167	14	þ	þ	NOUN
fsr-3465	167	15	b	b	SYM
fsr-3465	167	16	3	3	NUM
fsr-3465	167	17	treatment	treatment	NOUN
fsr-3465	167	18	�	�	PROPN
fsr-3465	167	19	pstð	pstð	PROPN
fsr-3465	167	20	þ	þ	PROPN
fsr-3465	167	21	þ	þ	PROPN
fsr-3465	167	22	b	b	PROPN
fsr-3465	168	1	4gender	4gender	NUM
fsr-3465	168	2	þ	þ	PROPN
fsr-3465	168	3	b	b	PROPN
fsr-3465	168	4	5	5	NUM
fsr-3465	168	5	gender	gender	PROPN
fsr-3465	168	6	�	�	PROPN
fsr-3465	168	7	postð	postð	PROPN
fsr-3465	168	8	þ	þ	PROPN
fsr-3465	168	9	þ	þ	PROPN
fsr-3465	168	10	b	b	PROPN
fsr-3465	168	11	6minority	6minority	NUM
fsr-3465	168	12	þ	þ	NOUN
fsr-3465	168	13	b	b	SYM
fsr-3465	168	14	7	7	NUM
fsr-3465	168	15	minority	minority	NOUN
fsr-3465	168	16	�	�	PROPN
fsr-3465	168	17	postð	postð	PROPN
fsr-3465	168	18	þ	þ	PROPN
fsr-3465	168	19	þ	þ	PROPN
fsr-3465	168	20	ob	ob	PROPN
fsr-3465	168	21	jcharacteristicsjþ	jcharacteristicsjþ	NOUN
fsr-3465	168	22	«	«	PUNCT
fsr-3465	168	23	i	i	PRON
fsr-3465	168	24	(	(	PUNCT
fsr-3465	168	25	1	1	X
fsr-3465	168	26	)	)	PUNCT
fsr-3465	168	27	finlitvar	finlitvar	NOUN
fsr-3465	168	28	represents	represent	VERB
fsr-3465	168	29	the	the	DET
fsr-3465	168	30	dependent	dependent	ADJ
fsr-3465	168	31	variable	variable	NOUN
fsr-3465	168	32	of	of	ADP
fsr-3465	168	33	interest	interest	NOUN
fsr-3465	168	34	,	,	PUNCT
fsr-3465	168	35	which	which	PRON
fsr-3465	168	36	is	be	AUX
fsr-3465	168	37	either	either	DET
fsr-3465	168	38	knowscore	knowscore	PROPN
fsr-3465	168	39	,	,	PUNCT
fsr-3465	168	40	the	the	DET
fsr-3465	168	41	number	number	NOUN
fsr-3465	168	42	of	of	ADP
fsr-3465	168	43	correct	correct	ADJ
fsr-3465	168	44	financial	financial	ADJ
fsr-3465	168	45	knowledge	knowledge	NOUN
fsr-3465	168	46	questions	question	NOUN
fsr-3465	168	47	answered	answer	VERB
fsr-3465	168	48	on	on	ADP
fsr-3465	168	49	the	the	DET
fsr-3465	168	50	student	student	NOUN
fsr-3465	168	51	survey	survey	NOUN
fsr-3465	168	52	,	,	PUNCT
fsr-3465	168	53	or	or	CCONJ
fsr-3465	168	54	confidence	confidence	NOUN
fsr-3465	168	55	,	,	PUNCT
fsr-3465	168	56	a	a	DET
fsr-3465	168	57	student	student	NOUN
fsr-3465	168	58	’s	’s	PART
fsr-3465	168	59	confidence	confidence	NOUN
fsr-3465	168	60	level	level	NOUN
fsr-3465	168	61	regarding	regard	VERB
fsr-3465	168	62	their	their	PRON
fsr-3465	168	63	future	future	ADJ
fsr-3465	168	64	financial	financial	ADJ
fsr-3465	168	65	outlook	outlook	NOUN
fsr-3465	168	66	.	.	PUNCT
fsr-3465	169	1	post	post	NOUN
fsr-3465	169	2	is	be	AUX
fsr-3465	169	3	a	a	DET
fsr-3465	169	4	dummy	dummy	ADJ
fsr-3465	169	5	variable	variable	NOUN
fsr-3465	169	6	that	that	PRON
fsr-3465	169	7	equals	equal	VERB
fsr-3465	169	8	1	1	NUM
fsr-3465	169	9	,	,	PUNCT
fsr-3465	169	10	reflecting	reflect	VERB
fsr-3465	169	11	survey	survey	NOUN
fsr-3465	169	12	results	result	NOUN
fsr-3465	169	13	submitted	submit	VERB
fsr-3465	169	14	after	after	ADP
fsr-3465	169	15	pfp	pfp	PROPN
fsr-3465	169	16	completion	completion	NOUN
fsr-3465	169	17	and	and	CCONJ
fsr-3465	169	18	0	0	NUM
fsr-3465	169	19	otherwise	otherwise	ADV
fsr-3465	169	20	.	.	PUNCT
fsr-3465	170	1	both	both	CCONJ
fsr-3465	170	2	the	the	DET
fsr-3465	170	3	treatment	treatment	NOUN
fsr-3465	170	4	group	group	NOUN
fsr-3465	170	5	and	and	CCONJ
fsr-3465	170	6	the	the	DET
fsr-3465	170	7	control	control	NOUN
fsr-3465	170	8	group	group	PROPN
fsr-3465	170	9	submit	submit	VERB
fsr-3465	170	10	the	the	DET
fsr-3465	170	11	survey	survey	NOUN
fsr-3465	170	12	results	result	VERB
fsr-3465	170	13	shortly	shortly	ADV
fsr-3465	170	14	after	after	ADP
fsr-3465	170	15	the	the	DET
fsr-3465	170	16	completion	completion	NOUN
fsr-3465	170	17	of	of	ADP
fsr-3465	170	18	the	the	DET
fsr-3465	170	19	pfp	pfp	PROPN
fsr-3465	170	20	.	.	PUNCT
fsr-3465	171	1	treatment	treatment	NOUN
fsr-3465	171	2	is	be	AUX
fsr-3465	171	3	a	a	DET
fsr-3465	171	4	dummy	dummy	ADJ
fsr-3465	171	5	variable	variable	NOUN
fsr-3465	171	6	equal	equal	ADJ
fsr-3465	171	7	to	to	ADP
fsr-3465	171	8	1	1	NUM
fsr-3465	171	9	if	if	SCONJ
fsr-3465	171	10	the	the	DET
fsr-3465	171	11	survey	survey	NOUN
fsr-3465	171	12	results	result	NOUN
fsr-3465	171	13	are	be	AUX
fsr-3465	171	14	submitted	submit	VERB
fsr-3465	171	15	by	by	ADP
fsr-3465	171	16	a	a	DET
fsr-3465	171	17	student	student	NOUN
fsr-3465	171	18	who	who	PRON
fsr-3465	171	19	did	do	AUX
fsr-3465	171	20	participate	participate	VERB
fsr-3465	171	21	in	in	ADP
fsr-3465	171	22	the	the	DET
fsr-3465	171	23	pfp	pfp	PROPN
fsr-3465	171	24	program	program	NOUN
fsr-3465	171	25	and	and	CCONJ
fsr-3465	171	26	0	0	NUM
fsr-3465	171	27	otherwise	otherwise	ADV
fsr-3465	171	28	.	.	PUNCT
fsr-3465	172	1	gender	gender	NOUN
fsr-3465	172	2	represents	represent	VERB
fsr-3465	172	3	a	a	DET
fsr-3465	172	4	student	student	NOUN
fsr-3465	172	5	’s	’s	PART
fsr-3465	172	6	self	self	NOUN
fsr-3465	172	7	-	-	PUNCT
fsr-3465	172	8	reported	report	VERB
fsr-3465	172	9	gender	gender	NOUN
fsr-3465	172	10	.	.	PUNCT
fsr-3465	173	1	though	though	SCONJ
fsr-3465	173	2	students	student	NOUN
fsr-3465	173	3	were	be	AUX
fsr-3465	173	4	provided	provide	VERB
fsr-3465	173	5	options	option	NOUN
fsr-3465	173	6	of	of	ADP
fsr-3465	173	7	“	"	PUNCT
fsr-3465	173	8	transgender	transgender	NOUN
fsr-3465	173	9	,	,	PUNCT
fsr-3465	173	10	”	"	PUNCT
fsr-3465	173	11	“	"	PUNCT
fsr-3465	173	12	other	other	ADJ
fsr-3465	173	13	,	,	PUNCT
fsr-3465	173	14	”	"	PUNCT
fsr-3465	173	15	and	and	CCONJ
fsr-3465	173	16	“	"	PUNCT
fsr-3465	173	17	prefer	prefer	VERB
fsr-3465	173	18	not	not	PART
fsr-3465	173	19	to	to	PART
fsr-3465	173	20	answer	answer	VERB
fsr-3465	173	21	,	,	PUNCT
fsr-3465	173	22	”	"	PUNCT
fsr-3465	173	23	all	all	DET
fsr-3465	173	24	participants	participant	NOUN
fsr-3465	173	25	selected	select	VERB
fsr-3465	173	26	either	either	CCONJ
fsr-3465	173	27	male	male	ADJ
fsr-3465	173	28	or	or	CCONJ
fsr-3465	173	29	female	female	ADJ
fsr-3465	173	30	;	;	PUNCT
fsr-3465	173	31	thus	thus	ADV
fsr-3465	173	32	,	,	PUNCT
fsr-3465	173	33	gender	gender	NOUN
fsr-3465	173	34	is	be	AUX
fsr-3465	173	35	a	a	DET
fsr-3465	173	36	dummy	dummy	ADJ
fsr-3465	173	37	variable	variable	NOUN
fsr-3465	173	38	equal	equal	ADJ
fsr-3465	173	39	to	to	ADP
fsr-3465	173	40	1	1	NUM
fsr-3465	173	41	if	if	SCONJ
fsr-3465	173	42	female	female	ADJ
fsr-3465	173	43	and	and	CCONJ
fsr-3465	173	44	0	0	NUM
fsr-3465	173	45	otherwise	otherwise	ADV
fsr-3465	173	46	.	.	PUNCT
fsr-3465	174	1	minority	minority	NOUN
fsr-3465	174	2	is	be	AUX
fsr-3465	174	3	a	a	DET
fsr-3465	174	4	dummy	dummy	ADJ
fsr-3465	174	5	variable	variable	NOUN
fsr-3465	174	6	equal	equal	ADJ
fsr-3465	174	7	to	to	ADP
fsr-3465	174	8	1	1	NUM
fsr-3465	174	9	if	if	SCONJ
fsr-3465	174	10	the	the	DET
fsr-3465	174	11	student	student	NOUN
fsr-3465	174	12	self	self	NOUN
fsr-3465	174	13	-	-	PUNCT
fsr-3465	174	14	identified	identify	VERB
fsr-3465	174	15	as	as	ADP
fsr-3465	174	16	belonging	belong	VERB
fsr-3465	174	17	to	to	ADP
fsr-3465	174	18	a	a	DET
fsr-3465	174	19	minority	minority	NOUN
fsr-3465	174	20	race	race	NOUN
fsr-3465	174	21	and	and	CCONJ
fsr-3465	174	22	0	0	NUM
fsr-3465	174	23	otherwise	otherwise	ADV
fsr-3465	174	24	.	.	PUNCT
fsr-3465	175	1	characteristics	characteristic	NOUN
fsr-3465	175	2	represents	represent	VERB
fsr-3465	175	3	a	a	DET
fsr-3465	175	4	series	series	NOUN
fsr-3465	175	5	of	of	ADP
fsr-3465	175	6	control	control	NOUN
fsr-3465	175	7	variables	variable	NOUN
fsr-3465	175	8	with	with	ADP
fsr-3465	175	9	the	the	DET
fsr-3465	175	10	following	follow	VERB
fsr-3465	175	11	description	description	NOUN
fsr-3465	175	12	.	.	PUNCT
fsr-3465	176	1	gpa	gpa	PROPN
fsr-3465	176	2	is	be	AUX
fsr-3465	176	3	a	a	DET
fsr-3465	176	4	student	student	NOUN
fsr-3465	176	5	’s	’s	PART
fsr-3465	176	6	grade	grade	NOUN
fsr-3465	176	7	point	point	NOUN
fsr-3465	176	8	average	average	NOUN
fsr-3465	176	9	based	base	VERB
fsr-3465	176	10	on	on	ADP
fsr-3465	176	11	a	a	DET
fsr-3465	176	12	traditional	traditional	ADJ
fsr-3465	176	13	4.0	4.0	NUM
fsr-3465	176	14	scale	scale	NOUN
fsr-3465	176	15	at	at	ADP
fsr-3465	176	16	the	the	DET
fsr-3465	176	17	end	end	NOUN
fsr-3465	176	18	of	of	ADP
fsr-3465	176	19	the	the	DET
fsr-3465	176	20	students	student	NOUN
fsr-3465	176	21	’	'	PUNCT
fsr-3465	176	22	junior	junior	ADJ
fsr-3465	176	23	year	year	NOUN
fsr-3465	176	24	.	.	PUNCT
fsr-3465	177	1	these	these	PRON
fsr-3465	177	2	are	be	AUX
fsr-3465	177	3	official	official	ADJ
fsr-3465	177	4	gpa	gpa	PROPN
fsr-3465	177	5	’s	’s	PART
fsr-3465	177	6	provided	provide	VERB
fsr-3465	177	7	by	by	ADP
fsr-3465	177	8	the	the	DET
fsr-3465	177	9	university	university	NOUN
fsr-3465	177	10	,	,	PUNCT
fsr-3465	177	11	not	not	PART
fsr-3465	177	12	self	self	NOUN
fsr-3465	177	13	-	-	PUNCT
fsr-3465	177	14	reported	report	VERB
fsr-3465	177	15	.	.	PUNCT
fsr-3465	178	1	when	when	SCONJ
fsr-3465	178	2	knowscore	knowscore	PROPN
fsr-3465	178	3	is	be	AUX
fsr-3465	178	4	the	the	DET
fsr-3465	178	5	dependent	dependent	ADJ
fsr-3465	178	6	variable	variable	NOUN
fsr-3465	178	7	,	,	PUNCT
fsr-3465	178	8	we	we	PRON
fsr-3465	178	9	expect	expect	VERB
fsr-3465	178	10	gpa	gpa	NOUN
fsr-3465	178	11	to	to	PART
fsr-3465	178	12	be	be	AUX
fsr-3465	178	13	positive	positive	ADJ
fsr-3465	178	14	.	.	PUNCT
fsr-3465	179	1	if	if	SCONJ
fsr-3465	179	2	higher	high	ADJ
fsr-3465	179	3	grades	grade	NOUN
fsr-3465	179	4	promote	promote	VERB
fsr-3465	179	5	self	self	NOUN
fsr-3465	179	6	-	-	PUNCT
fsr-3465	179	7	confidence	confidence	NOUN
fsr-3465	179	8	generally	generally	ADV
fsr-3465	179	9	,	,	PUNCT
fsr-3465	179	10	then	then	ADV
fsr-3465	179	11	gpa	gpa	PROPN
fsr-3465	179	12	may	may	AUX
fsr-3465	179	13	be	be	AUX
fsr-3465	179	14	positively	positively	ADV
fsr-3465	179	15	correlated	correlate	VERB
fsr-3465	179	16	with	with	ADP
fsr-3465	179	17	a	a	DET
fsr-3465	179	18	student	student	NOUN
fsr-3465	179	19	’s	’s	PART
fsr-3465	179	20	confidence	confidence	NOUN
fsr-3465	179	21	in	in	ADP
fsr-3465	179	22	their	their	PRON
fsr-3465	179	23	ability	ability	NOUN
fsr-3465	179	24	to	to	PART
fsr-3465	179	25	manage	manage	VERB
fsr-3465	179	26	their	their	PRON
fsr-3465	179	27	financial	financial	ADJ
fsr-3465	179	28	future	future	NOUN
fsr-3465	179	29	.	.	PUNCT
fsr-3465	180	1	alternatively	alternatively	ADV
fsr-3465	180	2	,	,	PUNCT
fsr-3465	180	3	stronger	strong	ADJ
fsr-3465	180	4	academic	academic	ADJ
fsr-3465	180	5	students	student	NOUN
fsr-3465	180	6	may	may	AUX
fsr-3465	180	7	have	have	VERB
fsr-3465	180	8	a	a	DET
fsr-3465	180	9	greater	great	ADJ
fsr-3465	180	10	appreciation	appreciation	NOUN
fsr-3465	180	11	for	for	ADP
fsr-3465	180	12	the	the	DET
fsr-3465	180	13	significance	significance	NOUN
fsr-3465	180	14	of	of	ADP
fsr-3465	180	15	these	these	DET
fsr-3465	180	16	issues	issue	NOUN
fsr-3465	180	17	that	that	PRON
fsr-3465	180	18	manifests	manifest	VERB
fsr-3465	180	19	itself	itself	PRON
fsr-3465	180	20	in	in	ADP
fsr-3465	180	21	lower	low	ADJ
fsr-3465	180	22	confidence	confidence	NOUN
fsr-3465	180	23	.	.	PUNCT
fsr-3465	181	1	loanperc	loanperc	PROPN
fsr-3465	181	2	is	be	AUX
fsr-3465	181	3	the	the	DET
fsr-3465	181	4	student	student	NOUN
fsr-3465	181	5	’s	’s	PART
fsr-3465	181	6	self	self	NOUN
fsr-3465	181	7	-	-	PUNCT
fsr-3465	181	8	reported	report	VERB
fsr-3465	181	9	level	level	NOUN
fsr-3465	181	10	of	of	ADP
fsr-3465	181	11	student	student	NOUN
fsr-3465	181	12	loan	loan	NOUN
fsr-3465	181	13	debt	debt	NOUN
fsr-3465	181	14	to	to	ADP
fsr-3465	181	15	total	total	ADJ
fsr-3465	181	16	college	college	NOUN
fsr-3465	181	17	cost	cost	NOUN
fsr-3465	181	18	,	,	PUNCT
fsr-3465	181	19	and	and	CCONJ
fsr-3465	181	20	selfperc	selfperc	NOUN
fsr-3465	181	21	is	be	AUX
fsr-3465	181	22	the	the	DET
fsr-3465	181	23	amount	amount	NOUN
fsr-3465	181	24	of	of	ADP
fsr-3465	181	25	education	education	NOUN
fsr-3465	181	26	costs	cost	NOUN
fsr-3465	181	27	being	be	AUX
fsr-3465	181	28	covered	cover	VERB
fsr-3465	181	29	by	by	ADP
fsr-3465	181	30	the	the	DET
fsr-3465	181	31	student	student	NOUN
fsr-3465	181	32	,	,	PUNCT
fsr-3465	181	33	but	but	CCONJ
fsr-3465	181	34	not	not	PART
fsr-3465	181	35	in	in	ADP
fsr-3465	181	36	the	the	DET
fsr-3465	181	37	form	form	NOUN
fsr-3465	181	38	of	of	ADP
fsr-3465	181	39	student	student	NOUN
fsr-3465	181	40	loans	loan	NOUN
fsr-3465	181	41	or	or	CCONJ
fsr-3465	181	42	paid	pay	VERB
fsr-3465	181	43	by	by	ADP
fsr-3465	181	44	a	a	DET
fsr-3465	181	45	parent	parent	NOUN
fsr-3465	181	46	,	,	PUNCT
fsr-3465	181	47	both	both	PRON
fsr-3465	181	48	stated	state	VERB
fsr-3465	181	49	as	as	ADP
fsr-3465	181	50	a	a	DET
fsr-3465	181	51	percentage	percentage	NOUN
fsr-3465	181	52	of	of	ADP
fsr-3465	181	53	total	total	ADJ
fsr-3465	181	54	college	college	NOUN
fsr-3465	181	55	costs	cost	NOUN
fsr-3465	181	56	.	.	PUNCT
fsr-3465	182	1	each	each	PRON
fsr-3465	182	2	of	of	ADP
fsr-3465	182	3	these	these	DET
fsr-3465	182	4	measures	measure	NOUN
fsr-3465	182	5	accounts	account	VERB
fsr-3465	182	6	for	for	ADP
fsr-3465	182	7	financial	financial	ADJ
fsr-3465	182	8	factors	factor	NOUN
fsr-3465	182	9	that	that	PRON
fsr-3465	182	10	might	might	AUX
fsr-3465	182	11	be	be	AUX
fsr-3465	182	12	correlated	correlate	VERB
fsr-3465	182	13	with	with	ADP
fsr-3465	182	14	knowledge	knowledge	NOUN
fsr-3465	182	15	and	and	CCONJ
fsr-3465	182	16	confidence	confidence	NOUN
fsr-3465	182	17	.	.	PUNCT
fsr-3465	183	1	we	we	PRON
fsr-3465	183	2	argue	argue	VERB
fsr-3465	183	3	that	that	SCONJ
fsr-3465	183	4	students	student	NOUN
fsr-3465	183	5	who	who	PRON
fsr-3465	183	6	finance	finance	VERB
fsr-3465	183	7	more	more	ADJ
fsr-3465	183	8	of	of	ADP
fsr-3465	183	9	their	their	PRON
fsr-3465	183	10	education	education	NOUN
fsr-3465	183	11	with	with	ADP
fsr-3465	183	12	debt	debt	NOUN
fsr-3465	183	13	will	will	AUX
fsr-3465	183	14	have	have	VERB
fsr-3465	183	15	lower	low	ADJ
fsr-3465	183	16	knowledge	knowledge	NOUN
fsr-3465	183	17	scores	score	NOUN
fsr-3465	183	18	and	and	CCONJ
fsr-3465	183	19	lower	low	ADJ
fsr-3465	183	20	levels	level	NOUN
fsr-3465	183	21	of	of	ADP
fsr-3465	183	22	confidence	confidence	NOUN
fsr-3465	183	23	in	in	ADP
fsr-3465	183	24	their	their	PRON
fsr-3465	183	25	financial	financial	ADJ
fsr-3465	183	26	future	future	NOUN
fsr-3465	183	27	.	.	PUNCT
fsr-3465	184	1	we	we	PRON
fsr-3465	184	2	expect	expect	VERB
fsr-3465	184	3	the	the	DET
fsr-3465	184	4	opposite	opposite	NOUN
fsr-3465	184	5	(	(	PUNCT
fsr-3465	184	6	a	a	DET
fsr-3465	184	7	positive	positive	ADJ
fsr-3465	184	8	relationship	relationship	NOUN
fsr-3465	184	9	)	)	PUNCT
fsr-3465	184	10	with	with	ADP
fsr-3465	184	11	the	the	DET
fsr-3465	184	12	dependent	dependent	ADJ
fsr-3465	184	13	variables	variable	NOUN
fsr-3465	184	14	for	for	ADP
fsr-3465	184	15	selfperc	selfperc	NOUN
fsr-3465	184	16	.	.	PUNCT
fsr-3465	185	1	income	income	NOUN
fsr-3465	185	2	is	be	AUX
fsr-3465	185	3	a	a	DET
fsr-3465	185	4	categorical	categorical	ADJ
fsr-3465	185	5	variable	variable	NOUN
fsr-3465	185	6	ranging	range	VERB
fsr-3465	185	7	from	from	ADP
fsr-3465	185	8	one	one	NUM
fsr-3465	185	9	to	to	ADP
fsr-3465	185	10	six	six	NUM
fsr-3465	185	11	,	,	PUNCT
fsr-3465	185	12	representing	represent	VERB
fsr-3465	185	13	ranges	range	NOUN
fsr-3465	185	14	of	of	ADP
fsr-3465	185	15	family	family	NOUN
fsr-3465	185	16	income	income	NOUN
fsr-3465	185	17	,	,	PUNCT
fsr-3465	185	18	with	with	ADP
fsr-3465	185	19	a	a	DET
fsr-3465	185	20	minimum	minimum	ADJ
fsr-3465	185	21	category	category	NOUN
fsr-3465	185	22	of	of	ADP
fsr-3465	185	23	less	less	ADJ
fsr-3465	185	24	than	than	ADP
fsr-3465	185	25	$	$	SYM
fsr-3465	185	26	25,000	25,000	NUM
fsr-3465	185	27	and	and	CCONJ
fsr-3465	185	28	a	a	DET
fsr-3465	185	29	maximum	maximum	ADJ
fsr-3465	185	30	category	category	NOUN
fsr-3465	185	31	of	of	ADP
fsr-3465	185	32	more	more	ADJ
fsr-3465	185	33	than	than	ADP
fsr-3465	185	34	$	$	SYM
fsr-3465	185	35	150,000	150,000	NUM
fsr-3465	185	36	.	.	PUNCT
fsr-3465	186	1	while	while	SCONJ
fsr-3465	186	2	prior	prior	ADJ
fsr-3465	186	3	studies	study	NOUN
fsr-3465	186	4	(	(	PUNCT
fsr-3465	186	5	lusardi	lusardi	PROPN
fsr-3465	186	6	&	&	CCONJ
fsr-3465	186	7	tufano	tufano	ADJ
fsr-3465	186	8	,	,	PUNCT
fsr-3465	186	9	2009	2009	NUM
fsr-3465	186	10	)	)	PUNCT
fsr-3465	186	11	show	show	VERB
fsr-3465	186	12	respondents	respondent	NOUN
fsr-3465	186	13	with	with	ADP
fsr-3465	186	14	lower	low	ADJ
fsr-3465	186	15	incomes	income	NOUN
fsr-3465	186	16	have	have	VERB
fsr-3465	186	17	lower	low	ADJ
fsr-3465	186	18	levels	level	NOUN
fsr-3465	186	19	of	of	ADP
fsr-3465	186	20	financial	financial	ADJ
fsr-3465	186	21	knowledge	knowledge	NOUN
fsr-3465	186	22	,	,	PUNCT
fsr-3465	186	23	our	our	PRON
fsr-3465	186	24	inclusion	inclusion	NOUN
fsr-3465	186	25	of	of	ADP
fsr-3465	186	26	income	income	NOUN
fsr-3465	186	27	is	be	AUX
fsr-3465	186	28	a	a	DET
fsr-3465	186	29	proxy	proxy	NOUN
fsr-3465	186	30	measure	measure	NOUN
fsr-3465	186	31	since	since	SCONJ
fsr-3465	186	32	it	it	PRON
fsr-3465	186	33	is	be	AUX
fsr-3465	186	34	not	not	PART
fsr-3465	186	35	the	the	DET
fsr-3465	186	36	student	student	NOUN
fsr-3465	186	37	’s	’s	PART
fsr-3465	186	38	income	income	NOUN
fsr-3465	186	39	being	be	AUX
fsr-3465	186	40	measured	measure	VERB
fsr-3465	186	41	.	.	PUNCT
fsr-3465	187	1	however	however	ADV
fsr-3465	187	2	,	,	PUNCT
fsr-3465	187	3	if	if	SCONJ
fsr-3465	187	4	lower	low	ADJ
fsr-3465	187	5	household	household	NOUN
fsr-3465	187	6	incomes	income	NOUN
fsr-3465	187	7	mean	mean	VERB
fsr-3465	187	8	financial	financial	ADJ
fsr-3465	187	9	knowledge	knowledge	NOUN
fsr-3465	187	10	is	be	AUX
fsr-3465	187	11	not	not	PART
fsr-3465	187	12	transferred	transfer	VERB
fsr-3465	187	13	,	,	PUNCT
fsr-3465	187	14	then	then	ADV
fsr-3465	187	15	the	the	DET
fsr-3465	187	16	students	student	NOUN
fsr-3465	187	17	from	from	ADP
fsr-3465	187	18	these	these	DET
fsr-3465	187	19	322	322	NUM
fsr-3465	187	20	j.	j.	PROPN
fsr-3465	187	21	handy	handy	PROPN
fsr-3465	187	22	et	et	PROPN
fsr-3465	187	23	al	al	PROPN
fsr-3465	187	24	.	.	PUNCT
fsr-3465	187	25	/	/	SYM
fsr-3465	187	26	financial	financial	ADJ
fsr-3465	187	27	services	service	NOUN
fsr-3465	187	28	review	review	VERB
fsr-3465	187	29	29	29	NUM
fsr-3465	187	30	(	(	PUNCT
fsr-3465	187	31	2021	2021	NUM
fsr-3465	187	32	)	)	PUNCT
fsr-3465	188	1	315–341	315–341	NUM
fsr-3465	188	2	households	household	NOUN
fsr-3465	188	3	may	may	AUX
fsr-3465	188	4	also	also	ADV
fsr-3465	188	5	exhibit	exhibit	VERB
fsr-3465	188	6	lower	low	ADJ
fsr-3465	188	7	scores	score	NOUN
fsr-3465	188	8	.	.	PUNCT
fsr-3465	189	1	we	we	PRON
fsr-3465	189	2	expect	expect	VERB
fsr-3465	189	3	students	student	NOUN
fsr-3465	189	4	from	from	ADP
fsr-3465	189	5	higher	high	ADJ
fsr-3465	189	6	earning	earn	VERB
fsr-3465	189	7	families	family	NOUN
fsr-3465	189	8	to	to	PART
fsr-3465	189	9	have	have	VERB
fsr-3465	189	10	more	more	ADJ
fsr-3465	189	11	confidence	confidence	NOUN
fsr-3465	189	12	in	in	ADP
fsr-3465	189	13	their	their	PRON
fsr-3465	189	14	financial	financial	ADJ
fsr-3465	189	15	future	future	NOUN
fsr-3465	189	16	.	.	PUNCT
fsr-3465	190	1	ecnbusacc	ecnbusacc	PROPN
fsr-3465	190	2	is	be	AUX
fsr-3465	190	3	a	a	DET
fsr-3465	190	4	dummy	dummy	ADJ
fsr-3465	190	5	variable	variable	NOUN
fsr-3465	190	6	equal	equal	ADJ
fsr-3465	190	7	to	to	ADP
fsr-3465	190	8	1	1	NUM
fsr-3465	190	9	if	if	SCONJ
fsr-3465	190	10	the	the	DET
fsr-3465	190	11	student	student	NOUN
fsr-3465	190	12	is	be	AUX
fsr-3465	190	13	majoring	major	VERB
fsr-3465	190	14	in	in	ADP
fsr-3465	190	15	either	either	DET
fsr-3465	190	16	economics	economic	NOUN
fsr-3465	190	17	,	,	PUNCT
fsr-3465	190	18	business	business	NOUN
fsr-3465	190	19	administration	administration	NOUN
fsr-3465	190	20	,	,	PUNCT
fsr-3465	190	21	or	or	CCONJ
fsr-3465	190	22	accounting	accounting	NOUN
fsr-3465	190	23	(	(	PUNCT
fsr-3465	190	24	the	the	DET
fsr-3465	190	25	university	university	NOUN
fsr-3465	190	26	does	do	AUX
fsr-3465	190	27	not	not	PART
fsr-3465	190	28	offer	offer	VERB
fsr-3465	190	29	the	the	DET
fsr-3465	190	30	full	full	ADJ
fsr-3465	190	31	range	range	NOUN
fsr-3465	190	32	of	of	ADP
fsr-3465	190	33	business	business	NOUN
fsr-3465	190	34	degrees	degree	NOUN
fsr-3465	190	35	)	)	PUNCT
fsr-3465	190	36	and	and	CCONJ
fsr-3465	190	37	0	0	NUM
fsr-3465	190	38	otherwise	otherwise	ADV
fsr-3465	190	39	.	.	PUNCT
fsr-3465	191	1	we	we	PRON
fsr-3465	191	2	expect	expect	VERB
fsr-3465	191	3	students	student	NOUN
fsr-3465	191	4	from	from	ADP
fsr-3465	191	5	these	these	DET
fsr-3465	191	6	majors	major	NOUN
fsr-3465	191	7	to	to	PART
fsr-3465	191	8	have	have	VERB
fsr-3465	191	9	higher	high	ADJ
fsr-3465	191	10	levels	level	NOUN
fsr-3465	191	11	of	of	ADP
fsr-3465	191	12	knowledge	knowledge	NOUN
fsr-3465	191	13	and	and	CCONJ
fsr-3465	191	14	confidence	confidence	NOUN
fsr-3465	191	15	,	,	PUNCT
fsr-3465	191	16	in	in	ADP
fsr-3465	191	17	part	part	NOUN
fsr-3465	191	18	due	due	ADP
fsr-3465	191	19	to	to	ADP
fsr-3465	191	20	their	their	PRON
fsr-3465	191	21	exposure	exposure	NOUN
fsr-3465	191	22	to	to	ADP
fsr-3465	191	23	the	the	DET
fsr-3465	191	24	seminar	seminar	NOUN
fsr-3465	191	25	contents	content	NOUN
fsr-3465	191	26	within	within	ADP
fsr-3465	191	27	their	their	PRON
fsr-3465	191	28	disciplines	discipline	NOUN
fsr-3465	191	29	.	.	PUNCT
fsr-3465	192	1	the	the	DET
fsr-3465	192	2	next	next	ADJ
fsr-3465	192	3	control	control	NOUN
fsr-3465	192	4	variable	variable	NOUN
fsr-3465	192	5	is	be	AUX
fsr-3465	192	6	unique	unique	ADJ
fsr-3465	192	7	.	.	PUNCT
fsr-3465	193	1	students	student	NOUN
fsr-3465	193	2	were	be	AUX
fsr-3465	193	3	asked	ask	VERB
fsr-3465	193	4	“	"	PUNCT
fsr-3465	193	5	how	how	SCONJ
fsr-3465	193	6	much	much	ADJ
fsr-3465	193	7	do	do	AUX
fsr-3465	193	8	you	you	PRON
fsr-3465	193	9	think	think	VERB
fsr-3465	193	10	you	you	PRON
fsr-3465	193	11	will	will	AUX
fsr-3465	193	12	need	need	VERB
fsr-3465	193	13	to	to	PART
fsr-3465	193	14	retire	retire	VERB
fsr-3465	193	15	?	?	PUNCT
fsr-3465	193	16	”	"	PUNCT
fsr-3465	193	17	upon	upon	SCONJ
fsr-3465	193	18	initial	initial	ADJ
fsr-3465	193	19	data	datum	NOUN
fsr-3465	193	20	examination	examination	NOUN
fsr-3465	193	21	,	,	PUNCT
fsr-3465	193	22	a	a	DET
fsr-3465	193	23	nontrivial	nontrivial	ADJ
fsr-3465	193	24	number	number	NOUN
fsr-3465	193	25	of	of	ADP
fsr-3465	193	26	students	student	NOUN
fsr-3465	193	27	chose	choose	VERB
fsr-3465	193	28	not	not	PART
fsr-3465	193	29	to	to	PART
fsr-3465	193	30	answer	answer	VERB
fsr-3465	193	31	the	the	DET
fsr-3465	193	32	question.6	question.6	NOUN
fsr-3465	193	33	after	after	ADP
fsr-3465	193	34	significant	significant	ADJ
fsr-3465	193	35	thought	thought	NOUN
fsr-3465	193	36	,	,	PUNCT
fsr-3465	193	37	the	the	DET
fsr-3465	193	38	authors	author	NOUN
fsr-3465	193	39	hypothesized	hypothesize	VERB
fsr-3465	193	40	that	that	SCONJ
fsr-3465	193	41	the	the	DET
fsr-3465	193	42	students	student	NOUN
fsr-3465	193	43	that	that	PRON
fsr-3465	193	44	did	do	AUX
fsr-3465	193	45	not	not	PART
fsr-3465	193	46	answer	answer	VERB
fsr-3465	193	47	the	the	DET
fsr-3465	193	48	question	question	NOUN
fsr-3465	193	49	may	may	AUX
fsr-3465	193	50	be	be	AUX
fsr-3465	193	51	particularly	particularly	ADV
fsr-3465	193	52	at	at	ADP
fsr-3465	193	53	risk	risk	NOUN
fsr-3465	193	54	in	in	ADP
fsr-3465	193	55	terms	term	NOUN
fsr-3465	193	56	of	of	ADP
fsr-3465	193	57	their	their	PRON
fsr-3465	193	58	financial	financial	ADJ
fsr-3465	193	59	knowledge	knowledge	NOUN
fsr-3465	193	60	and	and	CCONJ
fsr-3465	193	61	confidence	confidence	NOUN
fsr-3465	193	62	.	.	PUNCT
fsr-3465	194	1	noretans	noretan	NOUN
fsr-3465	194	2	is	be	AUX
fsr-3465	194	3	a	a	DET
fsr-3465	194	4	dummy	dummy	ADJ
fsr-3465	194	5	variable	variable	NOUN
fsr-3465	194	6	equal	equal	ADJ
fsr-3465	194	7	to	to	ADP
fsr-3465	194	8	1	1	NUM
fsr-3465	194	9	if	if	SCONJ
fsr-3465	194	10	a	a	DET
fsr-3465	194	11	student	student	NOUN
fsr-3465	194	12	did	do	AUX
fsr-3465	194	13	not	not	PART
fsr-3465	194	14	answer	answer	VERB
fsr-3465	194	15	the	the	DET
fsr-3465	194	16	survey	survey	NOUN
fsr-3465	194	17	question	question	NOUN
fsr-3465	194	18	about	about	ADP
fsr-3465	194	19	the	the	DET
fsr-3465	194	20	amount	amount	NOUN
fsr-3465	194	21	needed	need	VERB
fsr-3465	194	22	for	for	ADP
fsr-3465	194	23	retirement	retirement	NOUN
fsr-3465	194	24	and	and	CCONJ
fsr-3465	194	25	0	0	NUM
fsr-3465	194	26	otherwise	otherwise	ADV
fsr-3465	194	27	.	.	PUNCT
fsr-3465	195	1	we	we	PRON
fsr-3465	195	2	expect	expect	VERB
fsr-3465	195	3	an	an	DET
fsr-3465	195	4	inverse	inverse	NOUN
fsr-3465	195	5	relationship	relationship	NOUN
fsr-3465	195	6	between	between	ADP
fsr-3465	195	7	noretans	noretan	NOUN
fsr-3465	195	8	and	and	CCONJ
fsr-3465	195	9	both	both	CCONJ
fsr-3465	195	10	dependent	dependent	ADJ
fsr-3465	195	11	variables	variable	NOUN
fsr-3465	195	12	,	,	PUNCT
fsr-3465	195	13	knowscore	knowscore	NOUN
fsr-3465	195	14	and	and	CCONJ
fsr-3465	195	15	confidence	confidence	NOUN
fsr-3465	195	16	.	.	PUNCT
fsr-3465	196	1	finserv	finserv	NOUN
fsr-3465	196	2	is	be	AUX
fsr-3465	196	3	a	a	DET
fsr-3465	196	4	dummy	dummy	ADJ
fsr-3465	196	5	variable	variable	NOUN
fsr-3465	196	6	equal	equal	ADJ
fsr-3465	196	7	to	to	ADP
fsr-3465	196	8	1	1	NUM
fsr-3465	196	9	if	if	SCONJ
fsr-3465	196	10	a	a	DET
fsr-3465	196	11	student	student	NOUN
fsr-3465	196	12	responded	respond	VERB
fsr-3465	196	13	that	that	SCONJ
fsr-3465	196	14	either	either	CCONJ
fsr-3465	196	15	(	(	PUNCT
fsr-3465	196	16	or	or	CCONJ
fsr-3465	196	17	both	both	PRON
fsr-3465	196	18	)	)	PUNCT
fsr-3465	196	19	parent	parent	NOUN
fsr-3465	196	20	(	(	PUNCT
fsr-3465	196	21	s	s	NOUN
fsr-3465	196	22	)	)	PUNCT
fsr-3465	196	23	work	work	NOUN
fsr-3465	196	24	in	in	ADP
fsr-3465	196	25	the	the	DET
fsr-3465	196	26	financial	financial	ADJ
fsr-3465	196	27	services	service	NOUN
fsr-3465	196	28	industry	industry	NOUN
fsr-3465	196	29	.	.	PUNCT
fsr-3465	197	1	these	these	DET
fsr-3465	197	2	parents	parent	NOUN
fsr-3465	197	3	may	may	AUX
fsr-3465	197	4	be	be	AUX
fsr-3465	197	5	more	more	ADV
fsr-3465	197	6	likely	likely	ADJ
fsr-3465	197	7	to	to	PART
fsr-3465	197	8	pass	pass	VERB
fsr-3465	197	9	on	on	ADP
fsr-3465	197	10	knowledge	knowledge	NOUN
fsr-3465	197	11	and	and	CCONJ
fsr-3465	197	12	develop	develop	VERB
fsr-3465	197	13	confidence	confidence	NOUN
fsr-3465	197	14	in	in	ADP
fsr-3465	197	15	their	their	PRON
fsr-3465	197	16	students	student	NOUN
fsr-3465	197	17	relative	relative	ADJ
fsr-3465	197	18	to	to	ADP
fsr-3465	197	19	parents	parent	NOUN
fsr-3465	197	20	in	in	ADP
fsr-3465	197	21	other	other	ADJ
fsr-3465	197	22	professions	profession	NOUN
fsr-3465	197	23	,	,	PUNCT
fsr-3465	197	24	so	so	ADV
fsr-3465	197	25	we	we	PRON
fsr-3465	197	26	expect	expect	VERB
fsr-3465	197	27	a	a	DET
fsr-3465	197	28	positive	positive	ADJ
fsr-3465	197	29	relationship	relationship	NOUN
fsr-3465	197	30	to	to	ADP
fsr-3465	197	31	the	the	DET
fsr-3465	197	32	dependent	dependent	ADJ
fsr-3465	197	33	variables	variable	NOUN
fsr-3465	197	34	.	.	PUNCT
fsr-3465	198	1	finally	finally	ADV
fsr-3465	198	2	,	,	PUNCT
fsr-3465	198	3	needcog	needcog	VERB
fsr-3465	198	4	stands	stand	VERB
fsr-3465	198	5	for	for	ADP
fsr-3465	198	6	the	the	DET
fsr-3465	198	7	psychological	psychological	ADJ
fsr-3465	198	8	construct	construct	NOUN
fsr-3465	198	9	“	"	PUNCT
fsr-3465	198	10	need	need	NOUN
fsr-3465	198	11	for	for	ADP
fsr-3465	198	12	cognition	cognition	NOUN
fsr-3465	198	13	,	,	PUNCT
fsr-3465	198	14	”	"	PUNCT
fsr-3465	198	15	which	which	PRON
fsr-3465	198	16	captures	capture	VERB
fsr-3465	198	17	individual	individual	ADJ
fsr-3465	198	18	differences	difference	NOUN
fsr-3465	198	19	in	in	ADP
fsr-3465	198	20	how	how	SCONJ
fsr-3465	198	21	much	much	ADJ
fsr-3465	198	22	people	people	NOUN
fsr-3465	198	23	engage	engage	VERB
fsr-3465	198	24	in	in	ADP
fsr-3465	198	25	and	and	CCONJ
fsr-3465	198	26	enjoy	enjoy	VERB
fsr-3465	198	27	thinking	think	VERB
fsr-3465	198	28	,	,	PUNCT
fsr-3465	198	29	measured	measure	VERB
fsr-3465	198	30	by	by	ADP
fsr-3465	198	31	an	an	DET
fsr-3465	198	32	18	18	NUM
fsr-3465	198	33	-	-	PUNCT
fsr-3465	198	34	item	item	NOUN
fsr-3465	198	35	scale	scale	NOUN
fsr-3465	198	36	(	(	PUNCT
fsr-3465	198	37	see	see	VERB
fsr-3465	198	38	cacioppo	cacioppo	NOUN
fsr-3465	198	39	&	&	CCONJ
fsr-3465	198	40	petty	petty	PROPN
fsr-3465	198	41	,	,	PUNCT
fsr-3465	198	42	1982	1982	NUM
fsr-3465	198	43	)	)	PUNCT
fsr-3465	198	44	.	.	PUNCT
fsr-3465	199	1	example	example	NOUN
fsr-3465	199	2	items	item	NOUN
fsr-3465	199	3	include	include	VERB
fsr-3465	199	4	,	,	PUNCT
fsr-3465	199	5	“	"	PUNCT
fsr-3465	199	6	i	i	PRON
fsr-3465	199	7	find	find	VERB
fsr-3465	199	8	satisfaction	satisfaction	NOUN
fsr-3465	199	9	in	in	ADP
fsr-3465	199	10	deliberating	deliberate	VERB
fsr-3465	199	11	hard	hard	ADV
fsr-3465	199	12	and	and	CCONJ
fsr-3465	199	13	for	for	ADP
fsr-3465	199	14	long	long	ADJ
fsr-3465	199	15	hours	hour	NOUN
fsr-3465	199	16	,	,	PUNCT
fsr-3465	199	17	”	"	PUNCT
fsr-3465	199	18	and	and	CCONJ
fsr-3465	199	19	“	"	PUNCT
fsr-3465	199	20	i	i	PRON
fsr-3465	199	21	only	only	ADV
fsr-3465	199	22	think	think	VERB
fsr-3465	199	23	as	as	ADV
fsr-3465	199	24	hard	hard	ADV
fsr-3465	199	25	as	as	SCONJ
fsr-3465	199	26	i	i	PRON
fsr-3465	199	27	have	have	VERB
fsr-3465	199	28	to	to	PART
fsr-3465	199	29	–	–	PUNCT
fsr-3465	199	30	reverse	reverse	NOUN
fsr-3465	199	31	-	-	PUNCT
fsr-3465	199	32	scored	score	VERB
fsr-3465	199	33	.	.	PUNCT
fsr-3465	199	34	”	"	PUNCT
fsr-3465	200	1	each	each	DET
fsr-3465	200	2	question	question	NOUN
fsr-3465	200	3	uses	use	VERB
fsr-3465	200	4	a	a	DET
fsr-3465	200	5	5	5	NUM
fsr-3465	200	6	-	-	PUNCT
fsr-3465	200	7	point	point	NOUN
fsr-3465	200	8	likert	likert	ADJ
fsr-3465	200	9	scale	scale	NOUN
fsr-3465	200	10	for	for	ADP
fsr-3465	200	11	answers	answer	NOUN
fsr-3465	200	12	.	.	PUNCT
fsr-3465	201	1	so	so	ADV
fsr-3465	201	2	,	,	PUNCT
fsr-3465	201	3	needcog	needcog	NOUN
fsr-3465	201	4	can	can	AUX
fsr-3465	201	5	range	range	VERB
fsr-3465	201	6	from	from	ADP
fsr-3465	201	7	0	0	NUM
fsr-3465	201	8	to	to	ADP
fsr-3465	201	9	90	90	NUM
fsr-3465	201	10	.	.	PUNCT
fsr-3465	202	1	unlike	unlike	ADP
fsr-3465	202	2	lusardi	lusardi	PROPN
fsr-3465	202	3	et	et	PROPN
fsr-3465	202	4	al	al	PROPN
fsr-3465	202	5	.	.	PROPN
fsr-3465	203	1	(	(	PUNCT
fsr-3465	203	2	2010	2010	NUM
fsr-3465	203	3	)	)	PUNCT
fsr-3465	203	4	that	that	PRON
fsr-3465	203	5	control	control	VERB
fsr-3465	203	6	for	for	ADP
fsr-3465	203	7	cognitive	cognitive	ADJ
fsr-3465	203	8	abilities	ability	NOUN
fsr-3465	203	9	,	,	PUNCT
fsr-3465	203	10	our	our	PRON
fsr-3465	203	11	measure	measure	NOUN
fsr-3465	203	12	captures	capture	VERB
fsr-3465	203	13	a	a	DET
fsr-3465	203	14	student	student	NOUN
fsr-3465	203	15	’s	’s	PART
fsr-3465	203	16	propensity	propensity	NOUN
fsr-3465	203	17	to	to	PART
fsr-3465	203	18	be	be	AUX
fsr-3465	203	19	open	open	ADJ
fsr-3465	203	20	to	to	ADP
fsr-3465	203	21	learning	learning	NOUN
fsr-3465	203	22	and	and	CCONJ
fsr-3465	203	23	deep	deep	ADJ
fsr-3465	203	24	thinking	thinking	NOUN
fsr-3465	203	25	,	,	PUNCT
fsr-3465	203	26	factors	factor	NOUN
fsr-3465	203	27	pertinent	pertinent	ADJ
fsr-3465	203	28	to	to	ADP
fsr-3465	203	29	participating	participate	VERB
fsr-3465	203	30	in	in	ADP
fsr-3465	203	31	an	an	DET
fsr-3465	203	32	educational	educational	ADJ
fsr-3465	203	33	program	program	NOUN
fsr-3465	203	34	.	.	PUNCT
fsr-3465	204	1	we	we	PRON
fsr-3465	204	2	expect	expect	VERB
fsr-3465	204	3	students	student	NOUN
fsr-3465	204	4	with	with	ADP
fsr-3465	204	5	a	a	DET
fsr-3465	204	6	higher	high	ADJ
fsr-3465	204	7	need	need	NOUN
fsr-3465	204	8	for	for	SCONJ
fsr-3465	204	9	cognition	cognition	NOUN
fsr-3465	204	10	to	to	PART
fsr-3465	204	11	actively	actively	ADV
fsr-3465	204	12	seek	seek	VERB
fsr-3465	204	13	knowledge	knowledge	NOUN
fsr-3465	204	14	generally	generally	ADV
fsr-3465	204	15	and	and	CCONJ
fsr-3465	204	16	that	that	PRON
fsr-3465	204	17	includes	include	VERB
fsr-3465	204	18	financial	financial	ADJ
fsr-3465	204	19	knowledge	knowledge	NOUN
fsr-3465	204	20	.	.	PUNCT
fsr-3465	205	1	as	as	ADP
fsr-3465	205	2	such	such	ADJ
fsr-3465	205	3	,	,	PUNCT
fsr-3465	205	4	we	we	PRON
fsr-3465	205	5	expect	expect	VERB
fsr-3465	205	6	a	a	DET
fsr-3465	205	7	positive	positive	ADJ
fsr-3465	205	8	relationship	relationship	NOUN
fsr-3465	205	9	between	between	ADP
fsr-3465	205	10	needcog	needcog	NOUN
fsr-3465	205	11	and	and	CCONJ
fsr-3465	205	12	knowscore	knowscore	PROPN
fsr-3465	205	13	.	.	PUNCT
fsr-3465	206	1	the	the	DET
fsr-3465	206	2	predicted	predict	VERB
fsr-3465	206	3	relationship	relationship	NOUN
fsr-3465	206	4	to	to	ADP
fsr-3465	206	5	confidence	confidence	NOUN
fsr-3465	206	6	is	be	AUX
fsr-3465	206	7	less	less	ADV
fsr-3465	206	8	clear	clear	ADJ
fsr-3465	206	9	.	.	PUNCT
fsr-3465	207	1	if	if	SCONJ
fsr-3465	207	2	a	a	DET
fsr-3465	207	3	student	student	NOUN
fsr-3465	207	4	’s	’s	PART
fsr-3465	207	5	need	need	NOUN
fsr-3465	207	6	for	for	ADP
fsr-3465	207	7	cognition	cognition	NOUN
fsr-3465	207	8	leads	lead	VERB
fsr-3465	207	9	them	they	PRON
fsr-3465	207	10	to	to	PART
fsr-3465	207	11	seek	seek	VERB
fsr-3465	207	12	out	out	ADP
fsr-3465	207	13	information	information	NOUN
fsr-3465	207	14	about	about	ADP
fsr-3465	207	15	financial	financial	ADJ
fsr-3465	207	16	issues	issue	NOUN
fsr-3465	207	17	,	,	PUNCT
fsr-3465	207	18	that	that	PRON
fsr-3465	207	19	could	could	AUX
fsr-3465	207	20	lead	lead	VERB
fsr-3465	207	21	to	to	ADP
fsr-3465	207	22	more	more	ADJ
fsr-3465	207	23	confidence	confidence	NOUN
fsr-3465	207	24	.	.	PUNCT
fsr-3465	208	1	conversely	conversely	ADV
fsr-3465	208	2	,	,	PUNCT
fsr-3465	208	3	students	student	NOUN
fsr-3465	208	4	with	with	ADP
fsr-3465	208	5	a	a	DET
fsr-3465	208	6	higher	high	ADJ
fsr-3465	208	7	need	need	NOUN
fsr-3465	208	8	for	for	ADP
fsr-3465	208	9	cognition	cognition	NOUN
fsr-3465	208	10	may	may	AUX
fsr-3465	208	11	recognize	recognize	VERB
fsr-3465	208	12	the	the	DET
fsr-3465	208	13	weighty	weighty	ADJ
fsr-3465	208	14	nature	nature	NOUN
fsr-3465	208	15	of	of	ADP
fsr-3465	208	16	financial	financial	ADJ
fsr-3465	208	17	topics	topic	NOUN
fsr-3465	208	18	in	in	ADP
fsr-3465	208	19	a	a	DET
fsr-3465	208	20	way	way	NOUN
fsr-3465	208	21	that	that	PRON
fsr-3465	208	22	leaves	leave	VERB
fsr-3465	208	23	them	they	PRON
fsr-3465	208	24	less	less	ADV
fsr-3465	208	25	confident	confident	ADJ
fsr-3465	208	26	.	.	PUNCT
fsr-3465	209	1	in	in	ADP
fsr-3465	209	2	addition	addition	NOUN
fsr-3465	209	3	to	to	ADP
fsr-3465	209	4	the	the	DET
fsr-3465	209	5	variables	variable	NOUN
fsr-3465	209	6	just	just	ADV
fsr-3465	209	7	discussed	discuss	VERB
fsr-3465	209	8	,	,	PUNCT
fsr-3465	209	9	the	the	DET
fsr-3465	209	10	following	follow	VERB
fsr-3465	209	11	variables	variable	NOUN
fsr-3465	209	12	are	be	AUX
fsr-3465	209	13	used	use	VERB
fsr-3465	209	14	when	when	SCONJ
fsr-3465	209	15	confidence	confidence	NOUN
fsr-3465	209	16	is	be	AUX
fsr-3465	209	17	the	the	DET
fsr-3465	209	18	dependent	dependent	ADJ
fsr-3465	209	19	variable	variable	NOUN
fsr-3465	209	20	.	.	PUNCT
fsr-3465	210	1	health	health	NOUN
fsr-3465	210	2	is	be	AUX
fsr-3465	210	3	the	the	DET
fsr-3465	210	4	sum	sum	NOUN
fsr-3465	210	5	of	of	ADP
fsr-3465	210	6	the	the	DET
fsr-3465	210	7	responses	response	NOUN
fsr-3465	210	8	(	(	PUNCT
fsr-3465	210	9	on	on	ADP
fsr-3465	210	10	a	a	DET
fsr-3465	210	11	likert	likert	ADJ
fsr-3465	210	12	5	5	NUM
fsr-3465	210	13	-	-	PUNCT
fsr-3465	210	14	point	point	NOUN
fsr-3465	210	15	scale	scale	NOUN
fsr-3465	210	16	)	)	PUNCT
fsr-3465	210	17	to	to	ADP
fsr-3465	210	18	two	two	NUM
fsr-3465	210	19	questions	question	NOUN
fsr-3465	210	20	regarding	regard	VERB
fsr-3465	210	21	student	student	NOUN
fsr-3465	210	22	health	health	NOUN
fsr-3465	210	23	,	,	PUNCT
fsr-3465	210	24	one	one	NOUN
fsr-3465	210	25	that	that	PRON
fsr-3465	210	26	asks	ask	VERB
fsr-3465	210	27	if	if	SCONJ
fsr-3465	210	28	the	the	DET
fsr-3465	210	29	student	student	NOUN
fsr-3465	210	30	has	have	AUX
fsr-3465	210	31	experienced	experience	VERB
fsr-3465	210	32	significant	significant	ADJ
fsr-3465	210	33	emotional	emotional	ADJ
fsr-3465	210	34	or	or	CCONJ
fsr-3465	210	35	mental	mental	ADJ
fsr-3465	210	36	health	health	NOUN
fsr-3465	210	37	issues	issue	NOUN
fsr-3465	210	38	in	in	ADP
fsr-3465	210	39	the	the	DET
fsr-3465	210	40	past	past	ADJ
fsr-3465	210	41	month	month	NOUN
fsr-3465	210	42	and	and	CCONJ
fsr-3465	210	43	the	the	DET
fsr-3465	210	44	other	other	ADJ
fsr-3465	210	45	that	that	PRON
fsr-3465	210	46	asks	ask	VERB
fsr-3465	210	47	whether	whether	SCONJ
fsr-3465	210	48	the	the	DET
fsr-3465	210	49	student	student	NOUN
fsr-3465	210	50	has	have	AUX
fsr-3465	210	51	experienced	experience	VERB
fsr-3465	210	52	significant	significant	ADJ
fsr-3465	210	53	financial	financial	ADJ
fsr-3465	210	54	distress	distress	NOUN
fsr-3465	210	55	in	in	ADP
fsr-3465	210	56	the	the	DET
fsr-3465	210	57	past	past	ADJ
fsr-3465	210	58	month	month	NOUN
fsr-3465	210	59	.	.	PUNCT
fsr-3465	211	1	students	student	NOUN
fsr-3465	211	2	that	that	PRON
fsr-3465	211	3	have	have	AUX
fsr-3465	211	4	experienced	experience	VERB
fsr-3465	211	5	high	high	ADJ
fsr-3465	211	6	levels	level	NOUN
fsr-3465	211	7	of	of	ADP
fsr-3465	211	8	stress	stress	NOUN
fsr-3465	211	9	may	may	AUX
fsr-3465	211	10	also	also	ADV
fsr-3465	211	11	report	report	VERB
fsr-3465	211	12	less	less	ADJ
fsr-3465	211	13	confidence	confidence	NOUN
fsr-3465	211	14	in	in	ADP
fsr-3465	211	15	their	their	PRON
fsr-3465	211	16	ability	ability	NOUN
fsr-3465	211	17	to	to	PART
fsr-3465	211	18	manage	manage	VERB
fsr-3465	211	19	their	their	PRON
fsr-3465	211	20	financial	financial	ADJ
fsr-3465	211	21	future	future	NOUN
fsr-3465	211	22	.	.	PUNCT
fsr-3465	212	1	lifesat	lifesat	VERB
fsr-3465	212	2	is	be	AUX
fsr-3465	212	3	the	the	DET
fsr-3465	212	4	satisfaction	satisfaction	NOUN
fsr-3465	212	5	with	with	ADP
fsr-3465	212	6	life	life	NOUN
fsr-3465	212	7	scale	scale	NOUN
fsr-3465	212	8	(	(	PUNCT
fsr-3465	212	9	diener	diener	PROPN
fsr-3465	212	10	,	,	PUNCT
fsr-3465	212	11	emmons	emmons	PROPN
fsr-3465	212	12	,	,	PUNCT
fsr-3465	212	13	larsen	larsen	PROPN
fsr-3465	212	14	,	,	PUNCT
fsr-3465	212	15	&	&	CCONJ
fsr-3465	212	16	griffin	griffin	PROPN
fsr-3465	212	17	,	,	PUNCT
fsr-3465	212	18	1985	1985	NUM
fsr-3465	212	19	)	)	PUNCT
fsr-3465	212	20	that	that	PRON
fsr-3465	212	21	measures	measure	VERB
fsr-3465	212	22	subjective	subjective	ADJ
fsr-3465	212	23	global	global	ADJ
fsr-3465	212	24	well	well	ADV
fsr-3465	212	25	-	-	PUNCT
fsr-3465	212	26	being	being	NOUN
fsr-3465	212	27	and	and	CCONJ
fsr-3465	212	28	is	be	AUX
fsr-3465	212	29	a	a	DET
fsr-3465	212	30	composite	composite	ADJ
fsr-3465	212	31	measure	measure	NOUN
fsr-3465	212	32	of	of	ADP
fsr-3465	212	33	five	five	NUM
fsr-3465	212	34	questions	question	NOUN
fsr-3465	212	35	,	,	PUNCT
fsr-3465	212	36	each	each	PRON
fsr-3465	212	37	of	of	ADP
fsr-3465	212	38	which	which	PRON
fsr-3465	212	39	has	have	VERB
fsr-3465	212	40	responses	response	NOUN
fsr-3465	212	41	on	on	ADP
fsr-3465	212	42	a	a	DET
fsr-3465	212	43	7	7	NUM
fsr-3465	212	44	-	-	PUNCT
fsr-3465	212	45	point	point	NOUN
fsr-3465	212	46	likert	likert	ADJ
fsr-3465	212	47	scale	scale	NOUN
fsr-3465	212	48	.	.	PUNCT
fsr-3465	213	1	students	student	NOUN
fsr-3465	213	2	with	with	ADP
fsr-3465	213	3	low	low	ADJ
fsr-3465	213	4	satisfaction	satisfaction	NOUN
fsr-3465	213	5	levels	level	NOUN
fsr-3465	213	6	are	be	AUX
fsr-3465	213	7	expected	expect	VERB
fsr-3465	213	8	to	to	PART
fsr-3465	213	9	have	have	VERB
fsr-3465	213	10	lower	low	ADJ
fsr-3465	213	11	levels	level	NOUN
fsr-3465	213	12	of	of	ADP
fsr-3465	213	13	confidence	confidence	NOUN
fsr-3465	213	14	in	in	ADP
fsr-3465	213	15	their	their	PRON
fsr-3465	213	16	financial	financial	ADJ
fsr-3465	213	17	future	future	NOUN
fsr-3465	213	18	.	.	PUNCT
fsr-3465	214	1	for	for	ADP
fsr-3465	214	2	our	our	PRON
fsr-3465	214	3	primary	primary	ADJ
fsr-3465	214	4	analysis	analysis	NOUN
fsr-3465	214	5	,	,	PUNCT
fsr-3465	214	6	we	we	PRON
fsr-3465	214	7	estimate	estimate	VERB
fsr-3465	214	8	eq	eq	ADP
fsr-3465	214	9	.	.	PUNCT
fsr-3465	215	1	(	(	PUNCT
fsr-3465	215	2	1	1	X
fsr-3465	215	3	)	)	PUNCT
fsr-3465	215	4	using	use	VERB
fsr-3465	215	5	ordinary	ordinary	ADJ
fsr-3465	215	6	least	least	ADJ
fsr-3465	215	7	squares	square	NOUN
fsr-3465	215	8	with	with	ADP
fsr-3465	215	9	a	a	DET
fsr-3465	215	10	difference	difference	NOUN
fsr-3465	215	11	-	-	PUNCT
fsr-3465	215	12	in	in	ADP
fsr-3465	215	13	-	-	PUNCT
fsr-3465	215	14	difference	difference	NOUN
fsr-3465	215	15	model	model	NOUN
fsr-3465	215	16	to	to	PART
fsr-3465	215	17	help	help	VERB
fsr-3465	215	18	mitigate	mitigate	VERB
fsr-3465	215	19	the	the	DET
fsr-3465	215	20	inherent	inherent	ADJ
fsr-3465	215	21	endogeniety	endogeniety	NOUN
fsr-3465	215	22	based	base	VERB
fsr-3465	215	23	on	on	ADP
fsr-3465	215	24	a	a	DET
fsr-3465	215	25	student	student	NOUN
fsr-3465	215	26	’s	’s	PART
fsr-3465	215	27	choice	choice	NOUN
fsr-3465	215	28	to	to	PART
fsr-3465	215	29	participate	participate	VERB
fsr-3465	215	30	in	in	ADP
fsr-3465	215	31	the	the	DET
fsr-3465	215	32	pfp	pfp	PROPN
fsr-3465	215	33	.	.	PUNCT
fsr-3465	216	1	roberts	roberts	PROPN
fsr-3465	216	2	and	and	CCONJ
fsr-3465	216	3	whited	white	VERB
fsr-3465	216	4	(	(	PUNCT
fsr-3465	216	5	2013	2013	NUM
fsr-3465	216	6	)	)	PUNCT
fsr-3465	216	7	recommend	recommend	VERB
fsr-3465	216	8	this	this	DET
fsr-3465	216	9	approach	approach	NOUN
fsr-3465	216	10	when	when	SCONJ
fsr-3465	216	11	j.	j.	PROPN
fsr-3465	216	12	handy	handy	PROPN
fsr-3465	216	13	et	et	PROPN
fsr-3465	216	14	al	al	PROPN
fsr-3465	216	15	.	.	PUNCT
fsr-3465	216	16	/	/	SYM
fsr-3465	216	17	financial	financial	ADJ
fsr-3465	216	18	services	service	NOUN
fsr-3465	216	19	review	review	VERB
fsr-3465	216	20	29	29	NUM
fsr-3465	216	21	(	(	PUNCT
fsr-3465	216	22	2021	2021	NUM
fsr-3465	216	23	)	)	PUNCT
fsr-3465	217	1	315–341	315–341	NUM
fsr-3465	217	2	323	323	NUM
fsr-3465	217	3	the	the	DET
fsr-3465	217	4	sample	sample	NOUN
fsr-3465	217	5	has	have	VERB
fsr-3465	217	6	both	both	CCONJ
fsr-3465	217	7	a	a	DET
fsr-3465	217	8	treatment	treatment	NOUN
fsr-3465	217	9	and	and	CCONJ
fsr-3465	217	10	control	control	NOUN
fsr-3465	217	11	group	group	NOUN
fsr-3465	217	12	,	,	PUNCT
fsr-3465	217	13	but	but	CCONJ
fsr-3465	217	14	also	also	ADV
fsr-3465	217	15	when	when	SCONJ
fsr-3465	217	16	there	there	PRON
fsr-3465	217	17	is	be	VERB
fsr-3465	217	18	a	a	DET
fsr-3465	217	19	pretreatment	pretreatment	NOUN
fsr-3465	217	20	and	and	CCONJ
fsr-3465	217	21	post	post	ADJ
fsr-3465	217	22	-	-	ADJ
fsr-3465	217	23	treatment	treatment	ADJ
fsr-3465	217	24	measurement	measurement	NOUN
fsr-3465	217	25	of	of	ADP
fsr-3465	217	26	the	the	DET
fsr-3465	217	27	treatment	treatment	NOUN
fsr-3465	217	28	effect	effect	NOUN
fsr-3465	217	29	(	(	PUNCT
fsr-3465	217	30	participation	participation	NOUN
fsr-3465	217	31	in	in	ADP
fsr-3465	217	32	the	the	DET
fsr-3465	217	33	pfp	pfp	PROPN
fsr-3465	217	34	)	)	PUNCT
fsr-3465	217	35	,	,	PUNCT
fsr-3465	217	36	which	which	PRON
fsr-3465	217	37	exactly	exactly	ADV
fsr-3465	217	38	describes	describe	VERB
fsr-3465	217	39	our	our	PRON
fsr-3465	217	40	research	research	NOUN
fsr-3465	217	41	design	design	NOUN
fsr-3465	217	42	.	.	PUNCT
fsr-3465	218	1	that	that	PRON
fsr-3465	218	2	is	be	AUX
fsr-3465	218	3	,	,	PUNCT
fsr-3465	218	4	both	both	PRON
fsr-3465	218	5	treatment	treatment	NOUN
fsr-3465	218	6	and	and	CCONJ
fsr-3465	218	7	control	control	NOUN
fsr-3465	218	8	participants	participant	NOUN
fsr-3465	218	9	have	have	VERB
fsr-3465	218	10	pre	pre	ADJ
fsr-3465	218	11	-	-	ADJ
fsr-3465	218	12	pfp	pfp	ADJ
fsr-3465	218	13	knowledge	knowledge	NOUN
fsr-3465	218	14	scores	score	NOUN
fsr-3465	218	15	(	(	PUNCT
fsr-3465	218	16	confidence	confidence	NOUN
fsr-3465	218	17	scores	score	NOUN
fsr-3465	218	18	)	)	PUNCT
fsr-3465	218	19	and	and	CCONJ
fsr-3465	218	20	post	post	ADJ
fsr-3465	218	21	-	-	ADJ
fsr-3465	218	22	pfp	pfp	ADJ
fsr-3465	218	23	knowledge	knowledge	NOUN
fsr-3465	218	24	(	(	PUNCT
fsr-3465	218	25	confidence	confidence	NOUN
fsr-3465	218	26	scores	score	NOUN
fsr-3465	218	27	)	)	PUNCT
fsr-3465	218	28	,	,	PUNCT
fsr-3465	218	29	thereby	thereby	ADV
fsr-3465	218	30	doubling	double	VERB
fsr-3465	218	31	the	the	DET
fsr-3465	218	32	number	number	NOUN
fsr-3465	218	33	of	of	ADP
fsr-3465	218	34	observations	observation	NOUN
fsr-3465	218	35	from	from	ADP
fsr-3465	218	36	161	161	NUM
fsr-3465	218	37	(	(	PUNCT
fsr-3465	218	38	158	158	NUM
fsr-3465	218	39	)	)	PUNCT
fsr-3465	218	40	to	to	ADP
fsr-3465	218	41	322	322	NUM
fsr-3465	218	42	(	(	PUNCT
fsr-3465	218	43	316	316	NUM
fsr-3465	218	44	)	)	PUNCT
fsr-3465	218	45	.	.	PUNCT
fsr-3465	219	1	with	with	ADP
fsr-3465	219	2	this	this	DET
fsr-3465	219	3	approach	approach	NOUN
fsr-3465	219	4	that	that	PRON
fsr-3465	219	5	is	be	AUX
fsr-3465	219	6	able	able	ADJ
fsr-3465	219	7	to	to	PART
fsr-3465	219	8	control	control	VERB
fsr-3465	219	9	for	for	ADP
fsr-3465	219	10	baseline	baseline	NOUN
fsr-3465	219	11	measures	measure	NOUN
fsr-3465	219	12	of	of	ADP
fsr-3465	219	13	knowledge	knowledge	NOUN
fsr-3465	219	14	and	and	CCONJ
fsr-3465	219	15	confidence	confidence	NOUN
fsr-3465	219	16	,	,	PUNCT
fsr-3465	219	17	any	any	DET
fsr-3465	219	18	findings	finding	NOUN
fsr-3465	219	19	associated	associate	VERB
fsr-3465	219	20	with	with	ADP
fsr-3465	219	21	the	the	DET
fsr-3465	219	22	treatment	treatment	NOUN
fsr-3465	219	23	effect	effect	NOUN
fsr-3465	219	24	can	can	AUX
fsr-3465	219	25	be	be	AUX
fsr-3465	219	26	unbiasedly	unbiasedly	ADV
fsr-3465	219	27	attributed	attribute	VERB
fsr-3465	219	28	to	to	ADP
fsr-3465	219	29	the	the	DET
fsr-3465	219	30	treatment	treatment	NOUN
fsr-3465	219	31	.	.	PUNCT
fsr-3465	220	1	while	while	SCONJ
fsr-3465	220	2	we	we	PRON
fsr-3465	220	3	use	use	VERB
fsr-3465	220	4	the	the	DET
fsr-3465	220	5	least	least	ADJ
fsr-3465	220	6	squares	square	NOUN
fsr-3465	220	7	methodology	methodology	NOUN
fsr-3465	220	8	as	as	ADP
fsr-3465	220	9	our	our	PRON
fsr-3465	220	10	primary	primary	ADJ
fsr-3465	220	11	statistical	statistical	ADJ
fsr-3465	220	12	technique	technique	NOUN
fsr-3465	220	13	,	,	PUNCT
fsr-3465	220	14	we	we	PRON
fsr-3465	220	15	also	also	ADV
fsr-3465	220	16	estimate	estimate	VERB
fsr-3465	220	17	eq	eq	ADJ
fsr-3465	220	18	.	.	PUNCT
fsr-3465	221	1	(	(	PUNCT
fsr-3465	221	2	1	1	X
fsr-3465	221	3	)	)	PUNCT
fsr-3465	221	4	for	for	ADP
fsr-3465	221	5	the	the	DET
fsr-3465	221	6	dependent	dependent	ADJ
fsr-3465	221	7	variable	variable	ADJ
fsr-3465	221	8	confidence	confidence	NOUN
fsr-3465	221	9	using	use	VERB
fsr-3465	221	10	the	the	DET
fsr-3465	221	11	ordered	order	VERB
fsr-3465	221	12	probit	probit	NOUN
fsr-3465	221	13	technique	technique	NOUN
fsr-3465	221	14	.	.	PUNCT
fsr-3465	222	1	because	because	SCONJ
fsr-3465	222	2	confidence	confidence	NOUN
fsr-3465	222	3	is	be	AUX
fsr-3465	222	4	measured	measure	VERB
fsr-3465	222	5	as	as	ADP
fsr-3465	222	6	a	a	DET
fsr-3465	222	7	value	value	NOUN
fsr-3465	222	8	from	from	ADP
fsr-3465	222	9	1	1	NUM
fsr-3465	222	10	to	to	ADP
fsr-3465	222	11	5	5	NUM
fsr-3465	222	12	,	,	PUNCT
fsr-3465	222	13	the	the	DET
fsr-3465	222	14	assumption	assumption	NOUN
fsr-3465	222	15	of	of	ADP
fsr-3465	222	16	linear	linear	PROPN
fsr-3465	222	17	change	change	NOUN
fsr-3465	222	18	between	between	ADP
fsr-3465	222	19	values	value	NOUN
fsr-3465	222	20	implied	imply	VERB
fsr-3465	222	21	by	by	ADP
fsr-3465	222	22	the	the	DET
fsr-3465	222	23	least	least	ADJ
fsr-3465	222	24	squares	square	NOUN
fsr-3465	222	25	technique	technique	NOUN
fsr-3465	222	26	may	may	AUX
fsr-3465	222	27	not	not	PART
fsr-3465	222	28	hold	hold	VERB
fsr-3465	222	29	.	.	PUNCT
fsr-3465	223	1	to	to	PART
fsr-3465	223	2	account	account	VERB
fsr-3465	223	3	for	for	ADP
fsr-3465	223	4	the	the	DET
fsr-3465	223	5	possibility	possibility	NOUN
fsr-3465	223	6	of	of	ADP
fsr-3465	223	7	this	this	DET
fsr-3465	223	8	nonlinear	nonlinear	ADJ
fsr-3465	223	9	movement	movement	NOUN
fsr-3465	223	10	between	between	ADP
fsr-3465	223	11	values	value	NOUN
fsr-3465	223	12	,	,	PUNCT
fsr-3465	223	13	the	the	DET
fsr-3465	223	14	ordered	order	VERB
fsr-3465	223	15	probit	probit	NOUN
fsr-3465	223	16	technique	technique	NOUN
fsr-3465	223	17	is	be	AUX
fsr-3465	223	18	employed	employ	VERB
fsr-3465	223	19	as	as	ADP
fsr-3465	223	20	a	a	DET
fsr-3465	223	21	robustness	robustness	NOUN
fsr-3465	223	22	check	check	NOUN
fsr-3465	223	23	.	.	PUNCT
fsr-3465	224	1	as	as	SCONJ
fsr-3465	224	2	noted	note	VERB
fsr-3465	224	3	below	below	ADV
fsr-3465	224	4	,	,	PUNCT
fsr-3465	224	5	the	the	DET
fsr-3465	224	6	results	result	NOUN
fsr-3465	224	7	demonstrate	demonstrate	VERB
fsr-3465	224	8	that	that	SCONJ
fsr-3465	224	9	the	the	DET
fsr-3465	224	10	variables	variable	NOUN
fsr-3465	224	11	of	of	ADP
fsr-3465	224	12	interest	interest	NOUN
fsr-3465	224	13	have	have	VERB
fsr-3465	224	14	the	the	DET
fsr-3465	224	15	same	same	ADJ
fsr-3465	224	16	statistical	statistical	ADJ
fsr-3465	224	17	and	and	CCONJ
fsr-3465	224	18	directional	directional	ADJ
fsr-3465	224	19	effects	effect	NOUN
fsr-3465	224	20	using	use	VERB
fsr-3465	224	21	both	both	DET
fsr-3465	224	22	techniques	technique	NOUN
fsr-3465	224	23	;	;	PUNCT
fsr-3465	224	24	however	however	ADV
fsr-3465	224	25	,	,	PUNCT
fsr-3465	224	26	we	we	PRON
fsr-3465	224	27	choose	choose	VERB
fsr-3465	224	28	to	to	PART
fsr-3465	224	29	discuss	discuss	VERB
fsr-3465	224	30	our	our	PRON
fsr-3465	224	31	results	result	NOUN
fsr-3465	224	32	in	in	ADP
fsr-3465	224	33	the	the	DET
fsr-3465	224	34	context	context	NOUN
fsr-3465	224	35	of	of	ADP
fsr-3465	224	36	the	the	DET
fsr-3465	224	37	least	least	ADJ
fsr-3465	224	38	squares	square	NOUN
fsr-3465	224	39	technique	technique	NOUN
fsr-3465	224	40	due	due	ADP
fsr-3465	224	41	to	to	ADP
fsr-3465	224	42	its	its	PRON
fsr-3465	224	43	more	more	ADV
fsr-3465	224	44	straight	straight	ADJ
fsr-3465	224	45	-	-	PUNCT
fsr-3465	224	46	forward	forward	NOUN
fsr-3465	224	47	interpretation	interpretation	NOUN
fsr-3465	224	48	.	.	PUNCT
fsr-3465	225	1	5.3	5.3	NUM
fsr-3465	225	2	.	.	PUNCT
fsr-3465	225	3	section	section	NOUN
fsr-3465	225	4	4.3	4.3	NUM
fsr-3465	225	5	:	:	PUNCT
fsr-3465	225	6	preliminary	preliminary	ADJ
fsr-3465	225	7	data	datum	NOUN
fsr-3465	225	8	analysis	analysis	NOUN
fsr-3465	225	9	5.3.1	5.3.1	NUM
fsr-3465	225	10	.	.	PUNCT
fsr-3465	225	11	section	section	NOUN
fsr-3465	225	12	4.3.1	4.3.1	NUM
fsr-3465	225	13	.	.	PUNCT
fsr-3465	226	1	data	datum	NOUN
fsr-3465	226	2	analysis	analysis	NOUN
fsr-3465	226	3	sample	sample	NOUN
fsr-3465	226	4	construction	construction	NOUN
fsr-3465	226	5	the	the	DET
fsr-3465	226	6	first	first	ADJ
fsr-3465	226	7	delivery	delivery	NOUN
fsr-3465	226	8	of	of	ADP
fsr-3465	226	9	the	the	DET
fsr-3465	226	10	pfp	pfp	PROPN
fsr-3465	226	11	occurred	occur	VERB
fsr-3465	226	12	in	in	ADP
fsr-3465	226	13	fall	fall	NOUN
fsr-3465	226	14	2017	2017	NUM
fsr-3465	226	15	and	and	CCONJ
fsr-3465	226	16	was	be	AUX
fsr-3465	226	17	delivered	deliver	VERB
fsr-3465	226	18	successively	successively	ADV
fsr-3465	226	19	in	in	ADP
fsr-3465	226	20	the	the	DET
fsr-3465	226	21	spring	spring	NOUN
fsr-3465	226	22	2018	2018	NUM
fsr-3465	226	23	,	,	PUNCT
fsr-3465	226	24	fall	fall	VERB
fsr-3465	226	25	2018	2018	NUM
fsr-3465	226	26	,	,	PUNCT
fsr-3465	226	27	spring	spring	NOUN
fsr-3465	226	28	2019	2019	NUM
fsr-3465	226	29	,	,	PUNCT
fsr-3465	226	30	and	and	CCONJ
fsr-3465	226	31	fall	fall	VERB
fsr-3465	226	32	2019	2019	NUM
fsr-3465	226	33	semesters	semester	NOUN
fsr-3465	226	34	.	.	PUNCT
fsr-3465	227	1	while	while	SCONJ
fsr-3465	227	2	over	over	ADP
fsr-3465	227	3	500	500	NUM
fsr-3465	227	4	students	student	NOUN
fsr-3465	227	5	(	(	PUNCT
fsr-3465	227	6	program	program	NOUN
fsr-3465	227	7	participants	participant	NOUN
fsr-3465	227	8	and	and	CCONJ
fsr-3465	227	9	control	control	NOUN
fsr-3465	227	10	respondents	respondent	NOUN
fsr-3465	227	11	)	)	PUNCT
fsr-3465	227	12	initiated	initiate	VERB
fsr-3465	227	13	a	a	DET
fsr-3465	227	14	pre	pre	ADJ
fsr-3465	227	15	-	-	ADJ
fsr-3465	227	16	seminar	seminar	ADJ
fsr-3465	227	17	survey	survey	NOUN
fsr-3465	227	18	over	over	ADP
fsr-3465	227	19	the	the	DET
fsr-3465	227	20	course	course	NOUN
fsr-3465	227	21	of	of	ADP
fsr-3465	227	22	the	the	DET
fsr-3465	227	23	five	five	NUM
fsr-3465	227	24	semesters	semester	NOUN
fsr-3465	227	25	,	,	PUNCT
fsr-3465	227	26	only	only	ADV
fsr-3465	227	27	161	161	NUM
fsr-3465	227	28	(	(	PUNCT
fsr-3465	227	29	158	158	NUM
fsr-3465	227	30	)	)	PUNCT
fsr-3465	227	31	completed	complete	VERB
fsr-3465	227	32	both	both	DET
fsr-3465	227	33	surveys	survey	NOUN
fsr-3465	227	34	with	with	ADP
fsr-3465	227	35	all	all	PRON
fsr-3465	227	36	of	of	ADP
fsr-3465	227	37	the	the	DET
fsr-3465	227	38	required	require	VERB
fsr-3465	227	39	data	datum	NOUN
fsr-3465	227	40	needed	need	VERB
fsr-3465	227	41	to	to	PART
fsr-3465	227	42	estimate	estimate	VERB
fsr-3465	227	43	eq	eq	ADP
fsr-3465	227	44	.	.	PUNCT
fsr-3465	228	1	(	(	PUNCT
fsr-3465	228	2	1	1	NUM
fsr-3465	228	3	)	)	PUNCT
fsr-3465	228	4	above	above	ADV
fsr-3465	228	5	for	for	ADP
fsr-3465	228	6	knowscore	knowscore	NOUN
fsr-3465	228	7	(	(	PUNCT
fsr-3465	228	8	confidence	confidence	NOUN
fsr-3465	228	9	)	)	PUNCT
fsr-3465	228	10	.	.	PUNCT
fsr-3465	229	1	in	in	ADP
fsr-3465	229	2	total	total	NOUN
fsr-3465	229	3	,	,	PUNCT
fsr-3465	229	4	for	for	ADP
fsr-3465	229	5	the	the	DET
fsr-3465	229	6	semesters	semester	NOUN
fsr-3465	229	7	identified	identify	VERB
fsr-3465	229	8	above	above	ADV
fsr-3465	229	9	,	,	PUNCT
fsr-3465	229	10	there	there	PRON
fsr-3465	229	11	are	be	VERB
fsr-3465	229	12	10	10	NUM
fsr-3465	229	13	,	,	PUNCT
fsr-3465	229	14	2	2	NUM
fsr-3465	229	15	,	,	PUNCT
fsr-3465	229	16	17	17	NUM
fsr-3465	229	17	(	(	PUNCT
fsr-3465	229	18	15	15	NUM
fsr-3465	229	19	)	)	PUNCT
fsr-3465	229	20	,	,	PUNCT
fsr-3465	229	21	12	12	NUM
fsr-3465	229	22	,	,	PUNCT
fsr-3465	229	23	and	and	CCONJ
fsr-3465	229	24	50	50	NUM
fsr-3465	229	25	(	(	PUNCT
fsr-3465	229	26	49	49	NUM
fsr-3465	229	27	)	)	PUNCT
fsr-3465	229	28	control	control	NOUN
fsr-3465	229	29	respondents	respondent	NOUN
fsr-3465	229	30	respectively	respectively	ADV
fsr-3465	229	31	for	for	ADP
fsr-3465	229	32	knowscore	knowscore	NOUN
fsr-3465	229	33	(	(	PUNCT
fsr-3465	229	34	confidence	confidence	NOUN
fsr-3465	229	35	)	)	PUNCT
fsr-3465	229	36	and	and	CCONJ
fsr-3465	229	37	18	18	NUM
fsr-3465	229	38	,	,	PUNCT
fsr-3465	229	39	11	11	NUM
fsr-3465	229	40	,	,	PUNCT
fsr-3465	229	41	15	15	NUM
fsr-3465	229	42	,	,	PUNCT
fsr-3465	229	43	5	5	NUM
fsr-3465	229	44	,	,	PUNCT
fsr-3465	229	45	and	and	CCONJ
fsr-3465	229	46	21	21	NUM
fsr-3465	229	47	pfp	pfp	PROPN
fsr-3465	229	48	participants	participant	NOUN
fsr-3465	229	49	,	,	PUNCT
fsr-3465	229	50	respectively	respectively	ADV
fsr-3465	229	51	,	,	PUNCT
fsr-3465	229	52	from	from	ADP
fsr-3465	229	53	the	the	DET
fsr-3465	229	54	same	same	ADJ
fsr-3465	229	55	semesters	semester	NOUN
fsr-3465	229	56	.	.	PUNCT
fsr-3465	230	1	as	as	SCONJ
fsr-3465	230	2	is	be	AUX
fsr-3465	230	3	evident	evident	ADJ
fsr-3465	230	4	from	from	ADP
fsr-3465	230	5	the	the	DET
fsr-3465	230	6	usable	usable	ADJ
fsr-3465	230	7	responses	response	NOUN
fsr-3465	230	8	in	in	ADP
fsr-3465	230	9	each	each	DET
fsr-3465	230	10	semester	semester	NOUN
fsr-3465	230	11	,	,	PUNCT
fsr-3465	230	12	statistical	statistical	ADJ
fsr-3465	230	13	analysis	analysis	NOUN
fsr-3465	230	14	required	require	VERB
fsr-3465	230	15	the	the	DET
fsr-3465	230	16	aggregation	aggregation	NOUN
fsr-3465	230	17	of	of	ADP
fsr-3465	230	18	respondents	respondent	NOUN
fsr-3465	230	19	across	across	ADP
fsr-3465	230	20	semesters	semester	NOUN
fsr-3465	230	21	.	.	PUNCT
fsr-3465	231	1	however	however	ADV
fsr-3465	231	2	,	,	PUNCT
fsr-3465	231	3	we	we	PRON
fsr-3465	231	4	do	do	VERB
fsr-3465	231	5	control	control	NOUN
fsr-3465	231	6	for	for	ADP
fsr-3465	231	7	any	any	DET
fsr-3465	231	8	semester	semester	NOUN
fsr-3465	231	9	differences	difference	NOUN
fsr-3465	231	10	that	that	PRON
fsr-3465	231	11	might	might	AUX
fsr-3465	231	12	be	be	AUX
fsr-3465	231	13	present	present	ADJ
fsr-3465	231	14	by	by	ADP
fsr-3465	231	15	including	include	VERB
fsr-3465	231	16	a	a	DET
fsr-3465	231	17	dummy	dummy	ADJ
fsr-3465	231	18	variable	variable	NOUN
fsr-3465	231	19	representing	represent	VERB
fsr-3465	231	20	each	each	DET
fsr-3465	231	21	semester	semester	NOUN
fsr-3465	231	22	except	except	SCONJ
fsr-3465	231	23	fall	fall	NOUN
fsr-3465	231	24	2017	2017	NUM
fsr-3465	231	25	.	.	PUNCT
fsr-3465	232	1	in	in	ADP
fsr-3465	232	2	no	no	DET
fsr-3465	232	3	case	case	NOUN
fsr-3465	232	4	are	be	AUX
fsr-3465	232	5	the	the	DET
fsr-3465	232	6	semester	semester	NOUN
fsr-3465	232	7	dummies	dummy	NOUN
fsr-3465	232	8	statistically	statistically	ADV
fsr-3465	232	9	significant	significant	ADJ
fsr-3465	232	10	.	.	PUNCT
fsr-3465	233	1	we	we	PRON
fsr-3465	233	2	use	use	VERB
fsr-3465	233	3	these	these	DET
fsr-3465	233	4	samples	sample	NOUN
fsr-3465	233	5	in	in	ADP
fsr-3465	233	6	the	the	DET
fsr-3465	233	7	analysis	analysis	NOUN
fsr-3465	233	8	discussed	discuss	VERB
fsr-3465	233	9	in	in	ADP
fsr-3465	233	10	tables	table	NOUN
fsr-3465	233	11	2	2	NUM
fsr-3465	233	12	-	-	SYM
fsr-3465	233	13	6	6	NUM
fsr-3465	233	14	.	.	PUNCT
fsr-3465	234	1	the	the	DET
fsr-3465	234	2	exception	exception	NOUN
fsr-3465	234	3	to	to	ADP
fsr-3465	234	4	this	this	PRON
fsr-3465	234	5	is	be	AUX
fsr-3465	234	6	the	the	DET
fsr-3465	234	7	results	result	NOUN
fsr-3465	234	8	in	in	ADP
fsr-3465	234	9	table	table	NOUN
fsr-3465	234	10	1	1	NUM
fsr-3465	234	11	,	,	PUNCT
fsr-3465	234	12	which	which	PRON
fsr-3465	234	13	analyzes	analyze	VERB
fsr-3465	234	14	the	the	DET
fsr-3465	234	15	characteristics	characteristic	NOUN
fsr-3465	234	16	that	that	PRON
fsr-3465	234	17	predict	predict	VERB
fsr-3465	234	18	pfp	pfp	PROPN
fsr-3465	234	19	participation	participation	NOUN
fsr-3465	234	20	,	,	PUNCT
fsr-3465	234	21	a	a	DET
fsr-3465	234	22	subject	subject	NOUN
fsr-3465	234	23	to	to	ADP
fsr-3465	234	24	which	which	PRON
fsr-3465	234	25	we	we	PRON
fsr-3465	234	26	now	now	ADV
fsr-3465	234	27	turn	turn	VERB
fsr-3465	234	28	.	.	PUNCT
fsr-3465	235	1	5.3.2	5.3.2	X
fsr-3465	235	2	.	.	PUNCT
fsr-3465	235	3	section	section	NOUN
fsr-3465	235	4	4.3.2	4.3.2	PROPN
fsr-3465	235	5	.	.	PUNCT
fsr-3465	235	6	:	:	PUNCT
fsr-3465	235	7	predicting	predict	VERB
fsr-3465	235	8	pfp	pfp	PROPN
fsr-3465	235	9	participation	participation	NOUN
fsr-3465	235	10	while	while	SCONJ
fsr-3465	235	11	our	our	PRON
fsr-3465	235	12	primary	primary	ADJ
fsr-3465	235	13	interest	interest	NOUN
fsr-3465	235	14	is	be	AUX
fsr-3465	235	15	in	in	ADP
fsr-3465	235	16	the	the	DET
fsr-3465	235	17	impact	impact	NOUN
fsr-3465	235	18	of	of	ADP
fsr-3465	235	19	the	the	DET
fsr-3465	235	20	pfp	pfp	PROPN
fsr-3465	235	21	on	on	ADP
fsr-3465	235	22	financial	financial	ADJ
fsr-3465	235	23	knowledge	knowledge	NOUN
fsr-3465	235	24	and	and	CCONJ
fsr-3465	235	25	confidence	confidence	NOUN
fsr-3465	235	26	,	,	PUNCT
fsr-3465	235	27	a	a	DET
fsr-3465	235	28	unique	unique	ADJ
fsr-3465	235	29	characteristic	characteristic	NOUN
fsr-3465	235	30	of	of	ADP
fsr-3465	235	31	this	this	DET
fsr-3465	235	32	program	program	NOUN
fsr-3465	235	33	is	be	AUX
fsr-3465	235	34	that	that	SCONJ
fsr-3465	235	35	students	student	NOUN
fsr-3465	235	36	self	self	NOUN
fsr-3465	235	37	-	-	PUNCT
fsr-3465	235	38	select	select	NOUN
fsr-3465	235	39	into	into	ADP
fsr-3465	235	40	the	the	DET
fsr-3465	235	41	program	program	NOUN
fsr-3465	235	42	,	,	PUNCT
fsr-3465	235	43	and	and	CCONJ
fsr-3465	235	44	it	it	PRON
fsr-3465	235	45	is	be	AUX
fsr-3465	235	46	completely	completely	ADV
fsr-3465	235	47	voluntary	voluntary	ADJ
fsr-3465	235	48	.	.	PUNCT
fsr-3465	236	1	as	as	ADP
fsr-3465	236	2	such	such	ADJ
fsr-3465	236	3	,	,	PUNCT
fsr-3465	236	4	we	we	PRON
fsr-3465	236	5	first	first	ADV
fsr-3465	236	6	examine	examine	VERB
fsr-3465	236	7	a	a	DET
fsr-3465	236	8	logit	logit	NOUN
fsr-3465	236	9	model	model	NOUN
fsr-3465	236	10	to	to	PART
fsr-3465	236	11	determine	determine	VERB
fsr-3465	236	12	if	if	SCONJ
fsr-3465	236	13	there	there	PRON
fsr-3465	236	14	are	be	VERB
fsr-3465	236	15	student	student	NOUN
fsr-3465	236	16	characteristics	characteristic	NOUN
fsr-3465	236	17	that	that	PRON
fsr-3465	236	18	predict	predict	VERB
fsr-3465	236	19	participation	participation	NOUN
fsr-3465	236	20	.	.	PUNCT
fsr-3465	237	1	the	the	DET
fsr-3465	237	2	dependent	dependent	ADJ
fsr-3465	237	3	variable	variable	NOUN
fsr-3465	237	4	has	have	VERB
fsr-3465	237	5	a	a	DET
fsr-3465	237	6	value	value	NOUN
fsr-3465	237	7	of	of	ADP
fsr-3465	237	8	1	1	NUM
fsr-3465	237	9	if	if	SCONJ
fsr-3465	237	10	the	the	DET
fsr-3465	237	11	student	student	NOUN
fsr-3465	237	12	participates	participate	VERB
fsr-3465	237	13	in	in	ADP
fsr-3465	237	14	the	the	DET
fsr-3465	237	15	pfp	pfp	NOUN
fsr-3465	237	16	and	and	CCONJ
fsr-3465	237	17	0	0	NUM
fsr-3465	237	18	otherwise	otherwise	ADV
fsr-3465	237	19	.	.	PUNCT
fsr-3465	238	1	the	the	DET
fsr-3465	238	2	variables	variable	NOUN
fsr-3465	238	3	used	use	VERB
fsr-3465	238	4	are	be	AUX
fsr-3465	238	5	discussed	discuss	VERB
fsr-3465	238	6	above	above	ADV
fsr-3465	238	7	.	.	PUNCT
fsr-3465	239	1	for	for	ADP
fsr-3465	239	2	this	this	DET
fsr-3465	239	3	analysis	analysis	NOUN
fsr-3465	239	4	,	,	PUNCT
fsr-3465	239	5	we	we	PRON
fsr-3465	239	6	use	use	VERB
fsr-3465	239	7	all	all	DET
fsr-3465	239	8	observations	observation	NOUN
fsr-3465	239	9	(	(	PUNCT
fsr-3465	239	10	428	428	NUM
fsr-3465	239	11	total	total	NOUN
fsr-3465	239	12	,	,	PUNCT
fsr-3465	239	13	222	222	NUM
fsr-3465	239	14	control	control	NOUN
fsr-3465	239	15	respondents	respondent	NOUN
fsr-3465	239	16	,	,	PUNCT
fsr-3465	239	17	and	and	CCONJ
fsr-3465	239	18	206	206	NUM
fsr-3465	239	19	seminar	seminar	NOUN
fsr-3465	239	20	participants	participant	NOUN
fsr-3465	239	21	)	)	PUNCT
fsr-3465	239	22	that	that	PRON
fsr-3465	239	23	have	have	VERB
fsr-3465	239	24	the	the	DET
fsr-3465	239	25	necessary	necessary	ADJ
fsr-3465	239	26	data	datum	NOUN
fsr-3465	239	27	to	to	PART
fsr-3465	239	28	estimate	estimate	VERB
fsr-3465	239	29	the	the	DET
fsr-3465	239	30	logit	logit	NOUN
fsr-3465	239	31	model	model	NOUN
fsr-3465	239	32	from	from	ADP
fsr-3465	239	33	pre	pre	ADJ
fsr-3465	239	34	-	-	ADJ
fsr-3465	239	35	seminar	seminar	ADJ
fsr-3465	239	36	survey	survey	NOUN
fsr-3465	239	37	data	datum	NOUN
fsr-3465	239	38	.	.	PUNCT
fsr-3465	240	1	we	we	PRON
fsr-3465	240	2	believe	believe	VERB
fsr-3465	240	3	the	the	DET
fsr-3465	240	4	results	result	NOUN
fsr-3465	240	5	may	may	AUX
fsr-3465	240	6	be	be	AUX
fsr-3465	240	7	specific	specific	ADJ
fsr-3465	240	8	to	to	ADP
fsr-3465	240	9	the	the	DET
fsr-3465	240	10	population	population	NOUN
fsr-3465	240	11	of	of	ADP
fsr-3465	240	12	students	student	NOUN
fsr-3465	240	13	served	serve	VERB
fsr-3465	240	14	;	;	PUNCT
fsr-3465	240	15	therefore	therefore	ADV
fsr-3465	240	16	,	,	PUNCT
fsr-3465	240	17	we	we	PRON
fsr-3465	240	18	draw	draw	VERB
fsr-3465	240	19	no	no	DET
fsr-3465	240	20	generalized	generalized	ADJ
fsr-3465	240	21	conclusions	conclusion	NOUN
fsr-3465	240	22	from	from	ADP
fsr-3465	240	23	the	the	DET
fsr-3465	240	24	analysis	analysis	NOUN
fsr-3465	240	25	.	.	PUNCT
fsr-3465	241	1	however	however	ADV
fsr-3465	241	2	,	,	PUNCT
fsr-3465	241	3	the	the	DET
fsr-3465	241	4	results	result	NOUN
fsr-3465	241	5	are	be	AUX
fsr-3465	241	6	of	of	ADP
fsr-3465	241	7	324	324	NUM
fsr-3465	241	8	j.	j.	NOUN
fsr-3465	241	9	handy	handy	PROPN
fsr-3465	241	10	et	et	PROPN
fsr-3465	241	11	al	al	PROPN
fsr-3465	241	12	.	.	PUNCT
fsr-3465	241	13	/	/	SYM
fsr-3465	241	14	financial	financial	ADJ
fsr-3465	241	15	services	service	NOUN
fsr-3465	241	16	review	review	VERB
fsr-3465	241	17	29	29	NUM
fsr-3465	241	18	(	(	PUNCT
fsr-3465	241	19	2021	2021	NUM
fsr-3465	241	20	)	)	PUNCT
fsr-3465	242	1	315–341	315–341	NUM
fsr-3465	242	2	table	table	NOUN
fsr-3465	242	3	1	1	NUM
fsr-3465	242	4	logit	logit	NOUN
fsr-3465	242	5	model	model	NOUN
fsr-3465	242	6	predicting	predict	VERB
fsr-3465	242	7	pfp	pfp	PROPN
fsr-3465	242	8	participation	participation	NOUN
fsr-3465	242	9	variables	variable	NOUN
fsr-3465	242	10	(	(	PUNCT
fsr-3465	242	11	1	1	X
fsr-3465	242	12	)	)	PUNCT
fsr-3465	242	13	treatment	treatment	NOUN
fsr-3465	242	14	knowscore	knowscore	PROPN
fsr-3465	242	15	�	�	PROPN
fsr-3465	242	16	0.0649	0.0649	NUM
fsr-3465	242	17	(	(	PUNCT
fsr-3465	242	18	0.0550	0.0550	NUM
fsr-3465	242	19	)	)	PUNCT
fsr-3465	242	20	gpa	gpa	PROPN
fsr-3465	242	21	�	�	PROPN
fsr-3465	242	22	0.157	0.157	NUM
fsr-3465	242	23	(	(	PUNCT
fsr-3465	242	24	0.288	0.288	NUM
fsr-3465	242	25	)	)	PUNCT
fsr-3465	242	26	confidence	confidence	NOUN
fsr-3465	242	27	�	�	NOUN
fsr-3465	242	28	0.697	0.697	NOUN
fsr-3465	242	29	*	*	NOUN
fsr-3465	242	30	*	*	PUNCT
fsr-3465	242	31	*	*	PUNCT
fsr-3465	242	32	(	(	PUNCT
fsr-3465	242	33	0.139	0.139	NUM
fsr-3465	242	34	)	)	PUNCT
fsr-3465	242	35	gender	gender	NOUN
fsr-3465	242	36	0.620	0.620	NUM
fsr-3465	242	37	*	*	PUNCT
fsr-3465	242	38	*	*	PUNCT
fsr-3465	242	39	(	(	PUNCT
fsr-3465	242	40	0.304	0.304	NUM
fsr-3465	242	41	)	)	PUNCT
fsr-3465	242	42	ecnbusacc	ecnbusacc	PROPN
fsr-3465	242	43	0.687	0.687	NUM
fsr-3465	242	44	(	(	PUNCT
fsr-3465	242	45	0.369	0.369	NUM
fsr-3465	242	46	)	)	PUNCT
fsr-3465	242	47	loanperc	loanperc	PROPN
fsr-3465	242	48	�	�	PROPN
fsr-3465	242	49	0.287	0.287	NUM
fsr-3465	242	50	(	(	PUNCT
fsr-3465	242	51	0.823	0.823	NUM
fsr-3465	242	52	)	)	PUNCT
fsr-3465	242	53	selfperc	selfperc	NOUN
fsr-3465	242	54	1.017	1.017	NUM
fsr-3465	242	55	(	(	PUNCT
fsr-3465	242	56	2.141	2.141	NUM
fsr-3465	242	57	)	)	PUNCT
fsr-3465	242	58	minority	minority	NOUN
fsr-3465	242	59	�	�	NOUN
fsr-3465	242	60	0.803	0.803	NUM
fsr-3465	242	61	(	(	PUNCT
fsr-3465	242	62	0.447	0.447	NUM
fsr-3465	242	63	)	)	PUNCT
fsr-3465	242	64	income	income	NOUN
fsr-3465	242	65	�	�	NOUN
fsr-3465	242	66	0.141	0.141	NUM
fsr-3465	242	67	(	(	PUNCT
fsr-3465	242	68	0.0965	0.0965	NUM
fsr-3465	242	69	)	)	PUNCT
fsr-3465	242	70	needcog	needcog	VERB
fsr-3465	242	71	0.0143	0.0143	NUM
fsr-3465	242	72	(	(	PUNCT
fsr-3465	242	73	0.0115	0.0115	NUM
fsr-3465	242	74	)	)	PUNCT
fsr-3465	242	75	finserv	finserv	VERB
fsr-3465	242	76	0.351	0.351	NUM
fsr-3465	242	77	(	(	PUNCT
fsr-3465	242	78	0.319	0.319	NUM
fsr-3465	242	79	)	)	PUNCT
fsr-3465	242	80	noretans	noretan	NOUN
fsr-3465	242	81	�	�	PROPN
fsr-3465	242	82	1.059	1.059	NUM
fsr-3465	242	83	*	*	NOUN
fsr-3465	242	84	*	*	PUNCT
fsr-3465	242	85	*	*	PUNCT
fsr-3465	242	86	(	(	PUNCT
fsr-3465	242	87	0.396	0.396	NUM
fsr-3465	242	88	)	)	PUNCT
fsr-3465	242	89	recent	recent	ADJ
fsr-3465	242	90	emotional	emotional	ADJ
fsr-3465	242	91	/	/	SYM
fsr-3465	242	92	mental	mental	ADJ
fsr-3465	242	93	distress	distress	NOUN
fsr-3465	242	94	�	�	PROPN
fsr-3465	242	95	0.244	0.244	NUM
fsr-3465	242	96	*	*	NOUN
fsr-3465	242	97	*	*	PUNCT
fsr-3465	242	98	(	(	PUNCT
fsr-3465	242	99	0.1000	0.1000	NUM
fsr-3465	242	100	)	)	PUNCT
fsr-3465	242	101	recent	recent	ADJ
fsr-3465	242	102	financial	financial	ADJ
fsr-3465	242	103	distress	distress	NOUN
fsr-3465	242	104	�	�	NOUN
fsr-3465	242	105	0.0988	0.0988	NUM
fsr-3465	242	106	(	(	PUNCT
fsr-3465	242	107	0.124	0.124	NUM
fsr-3465	242	108	)	)	PUNCT
fsr-3465	242	109	lifesat	lifesat	VERB
fsr-3465	242	110	0.0603	0.0603	NUM
fsr-3465	242	111	*	*	PUNCT
fsr-3465	242	112	*	*	PUNCT
fsr-3465	242	113	(	(	PUNCT
fsr-3465	242	114	0.0236	0.0236	NUM
fsr-3465	242	115	)	)	PUNCT
fsr-3465	242	116	observations	observation	NOUN
fsr-3465	242	117	428	428	NUM
fsr-3465	243	1	this	this	DET
fsr-3465	243	2	table	table	NOUN
fsr-3465	243	3	presents	present	VERB
fsr-3465	243	4	results	result	NOUN
fsr-3465	243	5	from	from	ADP
fsr-3465	243	6	estimating	estimate	VERB
fsr-3465	243	7	a	a	DET
fsr-3465	243	8	logit	logit	NOUN
fsr-3465	243	9	regression	regression	NOUN
fsr-3465	243	10	to	to	PART
fsr-3465	243	11	predict	predict	VERB
fsr-3465	243	12	student	student	NOUN
fsr-3465	243	13	participation	participation	NOUN
fsr-3465	243	14	in	in	ADP
fsr-3465	243	15	personal	personal	ADJ
fsr-3465	243	16	finance	finance	NOUN
fsr-3465	243	17	program	program	NOUN
fsr-3465	243	18	(	(	PUNCT
fsr-3465	243	19	pfp	pfp	PROPN
fsr-3465	243	20	)	)	PUNCT
fsr-3465	243	21	.	.	PUNCT
fsr-3465	244	1	the	the	DET
fsr-3465	244	2	model	model	NOUN
fsr-3465	244	3	takes	take	VERB
fsr-3465	244	4	the	the	DET
fsr-3465	244	5	form	form	NOUN
fsr-3465	244	6	:	:	PUNCT
fsr-3465	244	7	logit(p(y	logit(p(y	PUNCT
fsr-3465	244	8	=	=	SYM
fsr-3465	244	9	1jx1	1jx1	NUM
fsr-3465	244	10	,	,	PUNCT
fsr-3465	244	11	.	.	PUNCT
fsr-3465	244	12	.	.	PUNCT
fsr-3465	245	1	.xk	.xk	NUM
fsr-3465	245	2	)	)	PUNCT
fsr-3465	246	1	=	=	PUNCT
fsr-3465	247	1	[	[	X
fsr-3465	247	2	exp(b	exp(b	PROPN
fsr-3465	247	3	0	0	NUM
fsr-3465	248	1	+	+	NUM
fsr-3465	248	2	b	b	X
fsr-3465	248	3	1x1	1x1	NUM
fsr-3465	248	4	+	+	CCONJ
fsr-3465	248	5	.	.	PUNCT
fsr-3465	248	6	.	.	PUNCT
fsr-3465	248	7	.	.	PUNCT
fsr-3465	249	1	+	+	CCONJ
fsr-3465	249	2	b	b	X
fsr-3465	249	3	nxn)]/[1	nxn)]/[1	X
fsr-3465	249	4	+	+	X
fsr-3465	249	5	exp(b	exp(b	NUM
fsr-3465	249	6	0	0	NUM
fsr-3465	250	1	+	+	CCONJ
fsr-3465	250	2	b	b	X
fsr-3465	250	3	1x1	1x1	NUM
fsr-3465	250	4	+	+	CCONJ
fsr-3465	250	5	.	.	PUNCT
fsr-3465	250	6	.	.	PUNCT
fsr-3465	250	7	.	.	PUNCT
fsr-3465	251	1	+	+	CCONJ
fsr-3465	251	2	b	b	X
fsr-3465	251	3	nxn	nxn	NOUN
fsr-3465	251	4	)	)	PUNCT
fsr-3465	251	5	]	]	PUNCT
fsr-3465	252	1	the	the	DET
fsr-3465	252	2	dependent	dependent	ADJ
fsr-3465	252	3	variable	variable	NOUN
fsr-3465	252	4	(	(	PUNCT
fsr-3465	252	5	y	y	NOUN
fsr-3465	252	6	)	)	PUNCT
fsr-3465	252	7	is	be	AUX
fsr-3465	252	8	treatment	treatment	NOUN
fsr-3465	252	9	equal	equal	ADJ
fsr-3465	252	10	to	to	ADP
fsr-3465	252	11	1	1	NUM
fsr-3465	252	12	if	if	SCONJ
fsr-3465	252	13	the	the	DET
fsr-3465	252	14	student	student	NOUN
fsr-3465	252	15	participates	participate	VERB
fsr-3465	252	16	in	in	ADP
fsr-3465	252	17	pfp	pfp	PROPN
fsr-3465	252	18	and	and	CCONJ
fsr-3465	252	19	0	0	NUM
fsr-3465	252	20	otherwise	otherwise	ADV
fsr-3465	252	21	.	.	PUNCT
fsr-3465	253	1	knowscore	knowscore	PROPN
fsr-3465	253	2	is	be	AUX
fsr-3465	253	3	a	a	DET
fsr-3465	253	4	student	student	NOUN
fsr-3465	253	5	’s	’s	PART
fsr-3465	253	6	score	score	NOUN
fsr-3465	253	7	on	on	ADP
fsr-3465	253	8	the	the	DET
fsr-3465	253	9	20	20	NUM
fsr-3465	253	10	question	question	NOUN
fsr-3465	253	11	knowledge	knowledge	NOUN
fsr-3465	253	12	test	test	NOUN
fsr-3465	253	13	before	before	ADP
fsr-3465	253	14	the	the	DET
fsr-3465	253	15	seminar	seminar	NOUN
fsr-3465	253	16	.	.	PUNCT
fsr-3465	254	1	gpa	gpa	PROPN
fsr-3465	254	2	is	be	AUX
fsr-3465	254	3	the	the	DET
fsr-3465	254	4	student	student	NOUN
fsr-3465	254	5	’s	’s	PART
fsr-3465	254	6	gpa	gpa	PROPN
fsr-3465	254	7	at	at	ADP
fsr-3465	254	8	the	the	DET
fsr-3465	254	9	end	end	NOUN
fsr-3465	254	10	of	of	ADP
fsr-3465	254	11	the	the	DET
fsr-3465	254	12	junior	junior	ADJ
fsr-3465	254	13	year	year	NOUN
fsr-3465	254	14	,	,	PUNCT
fsr-3465	254	15	on	on	ADP
fsr-3465	254	16	a	a	DET
fsr-3465	254	17	4	4	NUM
fsr-3465	254	18	-	-	PUNCT
fsr-3465	254	19	point	point	NOUN
fsr-3465	254	20	scale	scale	NOUN
fsr-3465	254	21	.	.	PUNCT
fsr-3465	255	1	confidence	confidence	NOUN
fsr-3465	255	2	is	be	AUX
fsr-3465	255	3	how	how	SCONJ
fsr-3465	255	4	the	the	DET
fsr-3465	255	5	student	student	NOUN
fsr-3465	255	6	perceives	perceive	VERB
fsr-3465	255	7	their	their	PRON
fsr-3465	255	8	confidence	confidence	NOUN
fsr-3465	255	9	in	in	ADP
fsr-3465	255	10	their	their	PRON
fsr-3465	255	11	financial	financial	ADJ
fsr-3465	255	12	future	future	NOUN
fsr-3465	255	13	after	after	ADP
fsr-3465	255	14	college	college	NOUN
fsr-3465	255	15	and	and	CCONJ
fsr-3465	255	16	ranges	range	VERB
fsr-3465	255	17	from	from	ADP
fsr-3465	255	18	1	1	NUM
fsr-3465	255	19	(	(	PUNCT
fsr-3465	255	20	not	not	PART
fsr-3465	255	21	at	at	ADV
fsr-3465	255	22	all	all	ADV
fsr-3465	255	23	)	)	PUNCT
fsr-3465	255	24	to	to	ADP
fsr-3465	255	25	5	5	NUM
fsr-3465	255	26	(	(	PUNCT
fsr-3465	255	27	extremely	extremely	ADV
fsr-3465	255	28	)	)	PUNCT
fsr-3465	255	29	.	.	PUNCT
fsr-3465	256	1	gender	gender	NOUN
fsr-3465	256	2	is	be	AUX
fsr-3465	256	3	a	a	DET
fsr-3465	256	4	dummy	dummy	ADJ
fsr-3465	256	5	variable	variable	NOUN
fsr-3465	256	6	equal	equal	ADJ
fsr-3465	256	7	to	to	ADP
fsr-3465	256	8	1	1	NUM
fsr-3465	256	9	if	if	SCONJ
fsr-3465	256	10	the	the	DET
fsr-3465	256	11	student	student	NOUN
fsr-3465	256	12	is	be	AUX
fsr-3465	256	13	a	a	DET
fsr-3465	256	14	female	female	ADJ
fsr-3465	256	15	and	and	CCONJ
fsr-3465	256	16	0	0	NUM
fsr-3465	256	17	otherwise	otherwise	ADV
fsr-3465	256	18	.	.	PUNCT
fsr-3465	257	1	ecnbusacc	ecnbusacc	PROPN
fsr-3465	257	2	is	be	AUX
fsr-3465	257	3	a	a	DET
fsr-3465	257	4	dummy	dummy	ADJ
fsr-3465	257	5	equal	equal	ADJ
fsr-3465	257	6	to	to	ADP
fsr-3465	257	7	1	1	NUM
fsr-3465	257	8	if	if	SCONJ
fsr-3465	257	9	the	the	DET
fsr-3465	257	10	student	student	NOUN
fsr-3465	257	11	is	be	AUX
fsr-3465	257	12	an	an	DET
fsr-3465	257	13	economics	economic	NOUN
fsr-3465	257	14	,	,	PUNCT
fsr-3465	257	15	business	business	NOUN
fsr-3465	257	16	,	,	PUNCT
fsr-3465	257	17	or	or	CCONJ
fsr-3465	257	18	accounting	account	VERB
fsr-3465	257	19	major	major	ADJ
fsr-3465	257	20	and	and	CCONJ
fsr-3465	257	21	0	0	NUM
fsr-3465	257	22	otherwise	otherwise	ADV
fsr-3465	257	23	.	.	PUNCT
fsr-3465	258	1	loanperc	loanperc	VERB
fsr-3465	258	2	and	and	CCONJ
fsr-3465	258	3	selfperc	selfperc	NOUN
fsr-3465	258	4	are	be	AUX
fsr-3465	258	5	the	the	DET
fsr-3465	258	6	percentage	percentage	NOUN
fsr-3465	258	7	of	of	ADP
fsr-3465	258	8	student	student	NOUN
fsr-3465	258	9	college	college	NOUN
fsr-3465	258	10	cost	cost	NOUN
fsr-3465	258	11	paid	pay	VERB
fsr-3465	258	12	for	for	ADP
fsr-3465	258	13	with	with	ADP
fsr-3465	258	14	debt	debt	NOUN
fsr-3465	258	15	or	or	CCONJ
fsr-3465	258	16	by	by	ADP
fsr-3465	258	17	the	the	DET
fsr-3465	258	18	student.minority	student.minority	NOUN
fsr-3465	258	19	is	be	AUX
fsr-3465	258	20	a	a	DET
fsr-3465	258	21	dummy	dummy	NOUN
fsr-3465	258	22	equal	equal	ADJ
fsr-3465	258	23	to	to	ADP
fsr-3465	258	24	1	1	NUM
fsr-3465	258	25	if	if	SCONJ
fsr-3465	258	26	the	the	DET
fsr-3465	258	27	student	student	NOUN
fsr-3465	258	28	identified	identify	VERB
fsr-3465	258	29	as	as	ADP
fsr-3465	258	30	a	a	DET
fsr-3465	258	31	minority	minority	NOUN
fsr-3465	258	32	and	and	CCONJ
fsr-3465	258	33	0	0	NUM
fsr-3465	258	34	otherwise	otherwise	ADV
fsr-3465	258	35	.	.	PUNCT
fsr-3465	259	1	income	income	NOUN
fsr-3465	259	2	is	be	AUX
fsr-3465	259	3	a	a	DET
fsr-3465	259	4	variable	variable	NOUN
fsr-3465	259	5	ranging	range	VERB
fsr-3465	259	6	from	from	ADP
fsr-3465	259	7	1	1	NUM
fsr-3465	259	8	(	(	PUNCT
fsr-3465	259	9	low	low	ADJ
fsr-3465	259	10	)	)	PUNCT
fsr-3465	259	11	to	to	ADP
fsr-3465	259	12	6	6	NUM
fsr-3465	259	13	(	(	PUNCT
fsr-3465	259	14	high	high	ADJ
fsr-3465	259	15	)	)	PUNCT
fsr-3465	259	16	capturing	capture	VERB
fsr-3465	259	17	the	the	DET
fsr-3465	259	18	student	student	NOUN
fsr-3465	259	19	’s	’s	PART
fsr-3465	259	20	household	household	NOUN
fsr-3465	259	21	income	income	NOUN
fsr-3465	259	22	.	.	PUNCT
fsr-3465	260	1	needcog	needcog	PROPN
fsr-3465	260	2	is	be	AUX
fsr-3465	260	3	a	a	DET
fsr-3465	260	4	composite	composite	ADJ
fsr-3465	260	5	measure	measure	NOUN
fsr-3465	260	6	ranging	range	VERB
fsr-3465	260	7	from	from	ADP
fsr-3465	260	8	0	0	NUM
fsr-3465	260	9	-	-	SYM
fsr-3465	260	10	90	90	NUM
fsr-3465	260	11	that	that	PRON
fsr-3465	260	12	captures	capture	VERB
fsr-3465	260	13	a	a	DET
fsr-3465	260	14	student	student	NOUN
fsr-3465	260	15	’s	’s	PART
fsr-3465	260	16	propensity	propensity	NOUN
fsr-3465	260	17	to	to	PART
fsr-3465	260	18	engage	engage	VERB
fsr-3465	260	19	cognitive	cognitive	ADJ
fsr-3465	260	20	activities	activity	NOUN
fsr-3465	260	21	.	.	PUNCT
fsr-3465	261	1	finserv	finserv	PROPN
fsr-3465	261	2	is	be	AUX
fsr-3465	261	3	a	a	DET
fsr-3465	261	4	dummy	dummy	ADJ
fsr-3465	261	5	equal	equal	ADJ
fsr-3465	261	6	to	to	ADP
fsr-3465	261	7	1	1	NUM
fsr-3465	261	8	if	if	SCONJ
fsr-3465	261	9	one	one	NUM
fsr-3465	261	10	or	or	CCONJ
fsr-3465	261	11	both	both	PRON
fsr-3465	261	12	of	of	ADP
fsr-3465	261	13	a	a	DET
fsr-3465	261	14	student	student	NOUN
fsr-3465	261	15	’s	’s	PART
fsr-3465	261	16	parents	parent	NOUN
fsr-3465	261	17	work	work	VERB
fsr-3465	261	18	in	in	ADP
fsr-3465	261	19	the	the	DET
fsr-3465	261	20	financial	financial	ADJ
fsr-3465	261	21	services	service	NOUN
fsr-3465	261	22	industry	industry	NOUN
fsr-3465	261	23	and	and	CCONJ
fsr-3465	261	24	0	0	NUM
fsr-3465	261	25	otherwise	otherwise	ADV
fsr-3465	261	26	.	.	PUNCT
fsr-3465	262	1	noretans	noretan	NOUN
fsr-3465	262	2	is	be	AUX
fsr-3465	262	3	a	a	DET
fsr-3465	262	4	dummy	dummy	ADJ
fsr-3465	262	5	equal	equal	ADJ
fsr-3465	262	6	to	to	ADP
fsr-3465	262	7	1	1	NUM
fsr-3465	262	8	if	if	SCONJ
fsr-3465	262	9	the	the	DET
fsr-3465	262	10	student	student	NOUN
fsr-3465	262	11	did	do	AUX
fsr-3465	262	12	not	not	PART
fsr-3465	262	13	answer	answer	VERB
fsr-3465	262	14	the	the	DET
fsr-3465	262	15	question	question	NOUN
fsr-3465	262	16	“	"	PUNCT
fsr-3465	262	17	how	how	SCONJ
fsr-3465	262	18	much	much	ADJ
fsr-3465	262	19	do	do	AUX
fsr-3465	262	20	you	you	PRON
fsr-3465	262	21	think	think	VERB
fsr-3465	262	22	you	you	PRON
fsr-3465	262	23	will	will	AUX
fsr-3465	262	24	need	need	VERB
fsr-3465	262	25	to	to	PART
fsr-3465	262	26	retire	retire	VERB
fsr-3465	262	27	?	?	PUNCT
fsr-3465	262	28	”	"	PUNCT
fsr-3465	263	1	and	and	CCONJ
fsr-3465	263	2	0	0	NUM
fsr-3465	263	3	otherwise	otherwise	ADV
fsr-3465	263	4	.	.	PUNCT
fsr-3465	264	1	recent	recent	ADJ
fsr-3465	264	2	emotional	emotional	ADJ
fsr-3465	264	3	/	/	SYM
fsr-3465	264	4	mental	mental	ADJ
fsr-3465	264	5	distress	distress	NOUN
fsr-3465	264	6	identifies	identify	VERB
fsr-3465	264	7	whether	whether	SCONJ
fsr-3465	264	8	the	the	DET
fsr-3465	264	9	student	student	NOUN
fsr-3465	264	10	has	have	AUX
fsr-3465	264	11	experienced	experience	VERB
fsr-3465	264	12	significant	significant	ADJ
fsr-3465	264	13	emotional	emotional	ADJ
fsr-3465	264	14	or	or	CCONJ
fsr-3465	264	15	mental	mental	ADJ
fsr-3465	264	16	distress	distress	NOUN
fsr-3465	264	17	in	in	ADP
fsr-3465	264	18	the	the	DET
fsr-3465	264	19	previous	previous	ADJ
fsr-3465	264	20	30	30	NUM
fsr-3465	264	21	days	day	NOUN
fsr-3465	264	22	and	and	CCONJ
fsr-3465	264	23	an	an	DET
fsr-3465	264	24	estimate	estimate	NOUN
fsr-3465	264	25	of	of	ADP
fsr-3465	264	26	the	the	DET
fsr-3465	264	27	severity	severity	NOUN
fsr-3465	264	28	,	,	PUNCT
fsr-3465	264	29	ranging	range	VERB
fsr-3465	264	30	from	from	ADP
fsr-3465	264	31	1	1	NUM
fsr-3465	264	32	(	(	PUNCT
fsr-3465	264	33	low	low	ADJ
fsr-3465	264	34	)	)	PUNCT
fsr-3465	264	35	to	to	ADP
fsr-3465	264	36	5	5	NUM
fsr-3465	264	37	(	(	PUNCT
fsr-3465	264	38	high	high	ADJ
fsr-3465	264	39	)	)	PUNCT
fsr-3465	264	40	.	.	PUNCT
fsr-3465	265	1	recent	recent	ADJ
fsr-3465	265	2	financial	financial	ADJ
fsr-3465	265	3	distress	distress	NOUN
fsr-3465	265	4	identifies	identify	VERB
fsr-3465	265	5	whether	whether	SCONJ
fsr-3465	265	6	the	the	DET
fsr-3465	265	7	student	student	NOUN
fsr-3465	265	8	has	have	AUX
fsr-3465	265	9	experienced	experience	VERB
fsr-3465	265	10	significant	significant	ADJ
fsr-3465	265	11	financial	financial	ADJ
fsr-3465	265	12	distress	distress	NOUN
fsr-3465	265	13	in	in	ADP
fsr-3465	265	14	the	the	DET
fsr-3465	265	15	previous	previous	ADJ
fsr-3465	265	16	30	30	NUM
fsr-3465	265	17	days	day	NOUN
fsr-3465	265	18	and	and	CCONJ
fsr-3465	265	19	an	an	DET
fsr-3465	265	20	estimate	estimate	NOUN
fsr-3465	265	21	of	of	ADP
fsr-3465	265	22	the	the	DET
fsr-3465	265	23	severity	severity	NOUN
fsr-3465	265	24	,	,	PUNCT
fsr-3465	265	25	ranging	range	VERB
fsr-3465	265	26	from	from	ADP
fsr-3465	265	27	1	1	NUM
fsr-3465	265	28	(	(	PUNCT
fsr-3465	265	29	low	low	ADJ
fsr-3465	265	30	)	)	PUNCT
fsr-3465	265	31	to	to	ADP
fsr-3465	265	32	5	5	NUM
fsr-3465	265	33	(	(	PUNCT
fsr-3465	265	34	high	high	ADJ
fsr-3465	265	35	)	)	PUNCT
fsr-3465	265	36	.	.	PUNCT
fsr-3465	266	1	lifesat	lifesat	PROPN
fsr-3465	266	2	is	be	AUX
fsr-3465	266	3	a	a	DET
fsr-3465	266	4	composite	composite	ADJ
fsr-3465	266	5	measure	measure	NOUN
fsr-3465	266	6	ranging	range	VERB
fsr-3465	266	7	from	from	ADP
fsr-3465	266	8	5	5	NUM
fsr-3465	266	9	-	-	SYM
fsr-3465	266	10	25	25	NUM
fsr-3465	266	11	that	that	PRON
fsr-3465	266	12	expresses	express	VERB
fsr-3465	266	13	a	a	DET
fsr-3465	266	14	student	student	NOUN
fsr-3465	266	15	’s	’s	PART
fsr-3465	266	16	satisfaction	satisfaction	NOUN
fsr-3465	266	17	with	with	ADP
fsr-3465	266	18	their	their	PRON
fsr-3465	266	19	life	life	NOUN
fsr-3465	266	20	at	at	ADP
fsr-3465	266	21	the	the	DET
fsr-3465	266	22	time	time	NOUN
fsr-3465	266	23	of	of	ADP
fsr-3465	266	24	the	the	DET
fsr-3465	266	25	pre	pre	NOUN
fsr-3465	266	26	-	-	NOUN
fsr-3465	266	27	survey	survey	NOUN
fsr-3465	266	28	.	.	PUNCT
fsr-3465	267	1	note	note	NOUN
fsr-3465	267	2	:	:	PUNCT
fsr-3465	267	3	standard	standard	ADJ
fsr-3465	267	4	errors	error	NOUN
fsr-3465	267	5	in	in	ADP
fsr-3465	267	6	parentheses	parenthesis	NOUN
fsr-3465	267	7	.	.	PUNCT
fsr-3465	268	1	*	*	PUNCT
fsr-3465	269	1	*	*	PUNCT
fsr-3465	269	2	*	*	PUNCT
fsr-3465	269	3	p	p	X
fsr-3465	269	4	<	<	X
fsr-3465	269	5	0.01	0.01	NUM
fsr-3465	269	6	,	,	PUNCT
fsr-3465	269	7	*	*	PUNCT
fsr-3465	269	8	*	*	PUNCT
fsr-3465	269	9	p	p	X
fsr-3465	269	10	<	<	X
fsr-3465	269	11	0.05	0.05	NUM
fsr-3465	269	12	.	.	PUNCT
fsr-3465	270	1	j.	j.	PROPN
fsr-3465	270	2	handy	handy	PROPN
fsr-3465	270	3	et	et	PROPN
fsr-3465	270	4	al	al	PROPN
fsr-3465	270	5	.	.	PUNCT
fsr-3465	270	6	/	/	SYM
fsr-3465	270	7	financial	financial	ADJ
fsr-3465	270	8	services	service	NOUN
fsr-3465	270	9	review	review	VERB
fsr-3465	270	10	29	29	NUM
fsr-3465	270	11	(	(	PUNCT
fsr-3465	270	12	2021	2021	NUM
fsr-3465	270	13	)	)	PUNCT
fsr-3465	271	1	315–341	315–341	NUM
fsr-3465	271	2	325	325	NUM
fsr-3465	271	3	interest	interest	NOUN
fsr-3465	271	4	because	because	SCONJ
fsr-3465	271	5	they	they	PRON
fsr-3465	271	6	may	may	AUX
fsr-3465	271	7	help	help	VERB
fsr-3465	271	8	in	in	ADP
fsr-3465	271	9	recruiting	recruiting	NOUN
fsr-3465	271	10	efforts	effort	NOUN
fsr-3465	271	11	for	for	ADP
fsr-3465	271	12	underrepresented	underrepresented	ADJ
fsr-3465	271	13	or	or	CCONJ
fsr-3465	271	14	vulnerable	vulnerable	ADJ
fsr-3465	271	15	groups	group	NOUN
fsr-3465	271	16	in	in	ADP
fsr-3465	271	17	the	the	DET
fsr-3465	271	18	future	future	NOUN
fsr-3465	271	19	.	.	PUNCT
fsr-3465	272	1	the	the	DET
fsr-3465	272	2	results	result	NOUN
fsr-3465	272	3	are	be	AUX
fsr-3465	272	4	presented	present	VERB
fsr-3465	272	5	in	in	ADP
fsr-3465	272	6	table	table	NOUN
fsr-3465	272	7	1	1	NUM
fsr-3465	272	8	.	.	PUNCT
fsr-3465	272	9	neither	neither	CCONJ
fsr-3465	272	10	a	a	DET
fsr-3465	272	11	student	student	NOUN
fsr-3465	272	12	’s	’s	PART
fsr-3465	272	13	pre	pre	ADJ
fsr-3465	272	14	-	-	ADJ
fsr-3465	272	15	seminar	seminar	ADJ
fsr-3465	272	16	financial	financial	ADJ
fsr-3465	272	17	knowledge	knowledge	NOUN
fsr-3465	272	18	score	score	NOUN
fsr-3465	272	19	or	or	CCONJ
fsr-3465	272	20	gpa	gpa	PROPN
fsr-3465	272	21	are	be	AUX
fsr-3465	272	22	correlated	correlate	VERB
fsr-3465	272	23	with	with	ADP
fsr-3465	272	24	students	student	NOUN
fsr-3465	272	25	participating	participate	VERB
fsr-3465	272	26	in	in	ADP
fsr-3465	272	27	the	the	DET
fsr-3465	272	28	pfp	pfp	PROPN
fsr-3465	272	29	.	.	PUNCT
fsr-3465	273	1	thus	thus	ADV
fsr-3465	273	2	,	,	PUNCT
fsr-3465	273	3	students	student	NOUN
fsr-3465	273	4	who	who	PRON
fsr-3465	273	5	have	have	VERB
fsr-3465	273	6	more	more	ADJ
fsr-3465	273	7	financial	financial	ADJ
fsr-3465	273	8	knowledge	knowledge	NOUN
fsr-3465	273	9	,	,	PUNCT
fsr-3465	273	10	or	or	CCONJ
fsr-3465	273	11	who	who	PRON
fsr-3465	273	12	generally	generally	ADV
fsr-3465	273	13	perform	perform	VERB
fsr-3465	273	14	well	well	ADV
fsr-3465	273	15	academically	academically	ADV
fsr-3465	273	16	,	,	PUNCT
fsr-3465	273	17	are	be	AUX
fsr-3465	273	18	no	no	PRON
fsr-3465	273	19	more	more	ADV
fsr-3465	273	20	inclined	inclined	ADJ
fsr-3465	273	21	to	to	PART
fsr-3465	273	22	participate	participate	VERB
fsr-3465	273	23	in	in	ADP
fsr-3465	273	24	the	the	DET
fsr-3465	273	25	program	program	NOUN
fsr-3465	273	26	than	than	ADP
fsr-3465	273	27	those	those	PRON
fsr-3465	273	28	with	with	ADP
fsr-3465	273	29	less	less	ADJ
fsr-3465	273	30	knowledge	knowledge	NOUN
fsr-3465	273	31	or	or	CCONJ
fsr-3465	273	32	academic	academic	ADJ
fsr-3465	273	33	proclivity	proclivity	NOUN
fsr-3465	273	34	.	.	PUNCT
fsr-3465	274	1	however	however	ADV
fsr-3465	274	2	,	,	PUNCT
fsr-3465	274	3	students	student	NOUN
fsr-3465	274	4	who	who	PRON
fsr-3465	274	5	are	be	AUX
fsr-3465	274	6	more	more	ADV
fsr-3465	274	7	confident	confident	ADJ
fsr-3465	274	8	in	in	ADP
fsr-3465	274	9	their	their	PRON
fsr-3465	274	10	ability	ability	NOUN
fsr-3465	274	11	to	to	PART
fsr-3465	274	12	manage	manage	VERB
fsr-3465	274	13	their	their	PRON
fsr-3465	274	14	financial	financial	ADJ
fsr-3465	274	15	future	future	NOUN
fsr-3465	274	16	are	be	AUX
fsr-3465	274	17	significantly	significantly	ADV
fsr-3465	274	18	less	less	ADV
fsr-3465	274	19	likely	likely	ADJ
fsr-3465	274	20	to	to	PART
fsr-3465	274	21	participate	participate	VERB
fsr-3465	274	22	in	in	ADP
fsr-3465	274	23	the	the	DET
fsr-3465	274	24	pfp	pfp	PROPN
fsr-3465	274	25	.	.	PUNCT
fsr-3465	275	1	the	the	DET
fsr-3465	275	2	coefficient	coefficient	NOUN
fsr-3465	275	3	for	for	ADP
fsr-3465	275	4	confidence	confidence	NOUN
fsr-3465	275	5	is	be	AUX
fsr-3465	275	6	negative	negative	ADJ
fsr-3465	275	7	and	and	CCONJ
fsr-3465	275	8	statistically	statistically	ADV
fsr-3465	275	9	significant	significant	ADJ
fsr-3465	275	10	at	at	ADP
fsr-3465	275	11	better	well	ADJ
fsr-3465	275	12	than	than	ADP
fsr-3465	275	13	1	1	NUM
fsr-3465	275	14	%	%	NOUN
fsr-3465	275	15	.	.	PUNCT
fsr-3465	276	1	one	one	NUM
fsr-3465	276	2	interpretation	interpretation	NOUN
fsr-3465	276	3	is	be	AUX
fsr-3465	276	4	students	student	NOUN
fsr-3465	276	5	with	with	ADP
fsr-3465	276	6	low	low	ADJ
fsr-3465	276	7	levels	level	NOUN
fsr-3465	276	8	of	of	ADP
fsr-3465	276	9	confidence	confidence	NOUN
fsr-3465	276	10	in	in	ADP
fsr-3465	276	11	making	make	VERB
fsr-3465	276	12	future	future	ADJ
fsr-3465	276	13	financial	financial	ADJ
fsr-3465	276	14	decisions	decision	NOUN
fsr-3465	276	15	make	make	VERB
fsr-3465	276	16	a	a	DET
fsr-3465	276	17	wise	wise	ADJ
fsr-3465	276	18	choice	choice	NOUN
fsr-3465	276	19	to	to	PART
fsr-3465	276	20	attend	attend	VERB
fsr-3465	276	21	the	the	DET
fsr-3465	276	22	pfp	pfp	PROPN
fsr-3465	276	23	.	.	PUNCT
fsr-3465	277	1	alternatively	alternatively	ADV
fsr-3465	277	2	,	,	PUNCT
fsr-3465	277	3	those	those	PRON
fsr-3465	277	4	that	that	PRON
fsr-3465	277	5	choose	choose	VERB
fsr-3465	277	6	not	not	PART
fsr-3465	277	7	to	to	PART
fsr-3465	277	8	participate	participate	VERB
fsr-3465	277	9	in	in	ADP
fsr-3465	277	10	the	the	DET
fsr-3465	277	11	seminar	seminar	NOUN
fsr-3465	277	12	may	may	AUX
fsr-3465	277	13	have	have	VERB
fsr-3465	277	14	a	a	DET
fsr-3465	277	15	false	false	ADJ
fsr-3465	277	16	sense	sense	NOUN
fsr-3465	277	17	of	of	ADP
fsr-3465	277	18	confidence	confidence	NOUN
fsr-3465	277	19	(	(	PUNCT
fsr-3465	277	20	e.g.	e.g.	ADV
fsr-3465	277	21	,	,	PUNCT
fsr-3465	277	22	toker	toker	NOUN
fsr-3465	277	23	asad	asad	PROPN
fsr-3465	277	24	,	,	PUNCT
fsr-3465	277	25	2015	2015	NUM
fsr-3465	277	26	)	)	PUNCT
fsr-3465	277	27	.	.	PUNCT
fsr-3465	278	1	our	our	PRON
fsr-3465	278	2	measure	measure	NOUN
fsr-3465	278	3	does	do	AUX
fsr-3465	278	4	not	not	PART
fsr-3465	278	5	allow	allow	VERB
fsr-3465	278	6	us	we	PRON
fsr-3465	278	7	to	to	PART
fsr-3465	278	8	distinguish	distinguish	VERB
fsr-3465	278	9	between	between	ADP
fsr-3465	278	10	these	these	DET
fsr-3465	278	11	two	two	NUM
fsr-3465	278	12	alternatives	alternative	NOUN
fsr-3465	278	13	.	.	PUNCT
fsr-3465	279	1	of	of	ADP
fsr-3465	279	2	course	course	NOUN
fsr-3465	279	3	,	,	PUNCT
fsr-3465	279	4	attending	attend	VERB
fsr-3465	279	5	the	the	DET
fsr-3465	279	6	pfp	pfp	NOUN
fsr-3465	279	7	and	and	CCONJ
fsr-3465	279	8	benefitting	benefit	VERB
fsr-3465	279	9	from	from	ADP
fsr-3465	279	10	it	it	PRON
fsr-3465	279	11	are	be	AUX
fsr-3465	279	12	not	not	PART
fsr-3465	279	13	the	the	DET
fsr-3465	279	14	same	same	ADJ
fsr-3465	279	15	,	,	PUNCT
fsr-3465	279	16	but	but	CCONJ
fsr-3465	279	17	at	at	ADP
fsr-3465	279	18	least	least	ADJ
fsr-3465	279	19	those	those	DET
fsr-3465	279	20	students	student	NOUN
fsr-3465	279	21	who	who	PRON
fsr-3465	279	22	table	table	VERB
fsr-3465	279	23	2	2	NUM
fsr-3465	279	24	summary	summary	NOUN
fsr-3465	279	25	descriptive	descriptive	ADJ
fsr-3465	279	26	statistics	statistic	NOUN
fsr-3465	279	27	variables	variable	NOUN
fsr-3465	279	28	(	(	PUNCT
fsr-3465	279	29	1	1	X
fsr-3465	279	30	)	)	PUNCT
fsr-3465	279	31	matched	match	VERB
fsr-3465	279	32	sample	sample	NOUN
fsr-3465	279	33	(	(	PUNCT
fsr-3465	279	34	2	2	NUM
fsr-3465	279	35	)	)	PUNCT
fsr-3465	279	36	treatment	treatment	NOUN
fsr-3465	279	37	only	only	ADV
fsr-3465	279	38	(	(	PUNCT
fsr-3465	279	39	3	3	X
fsr-3465	279	40	)	)	PUNCT
fsr-3465	279	41	control	control	NOUN
fsr-3465	279	42	only	only	ADV
fsr-3465	279	43	pre	pre	VERB
fsr-3465	279	44	knowledgescore	knowledgescore	VERB
fsr-3465	279	45	14.23	14.23	NUM
fsr-3465	279	46	(	(	PUNCT
fsr-3465	279	47	2.473	2.473	NUM
fsr-3465	279	48	)	)	PUNCT
fsr-3465	279	49	14.19	14.19	NUM
fsr-3465	279	50	(	(	PUNCT
fsr-3465	279	51	2.342	2.342	NUM
fsr-3465	279	52	)	)	PUNCT
fsr-3465	279	53	14.26	14.26	NUM
fsr-3465	279	54	(	(	PUNCT
fsr-3465	279	55	2.581	2.581	NUM
fsr-3465	279	56	)	)	PUNCT
fsr-3465	279	57	post	post	NOUN
fsr-3465	279	58	knowledgescore	knowledgescore	VERB
fsr-3465	279	59	14.832	14.832	NUM
fsr-3465	279	60	*	*	NOUN
fsr-3465	279	61	*	*	PUNCT
fsr-3465	279	62	*	*	PUNCT
fsr-3465	279	63	(	(	PUNCT
fsr-3465	279	64	2.916	2.916	NUM
fsr-3465	279	65	)	)	PUNCT
fsr-3465	280	1	15.343	15.343	NUM
fsr-3465	280	2	*	*	PUNCT
fsr-3465	280	3	*	*	PUNCT
fsr-3465	280	4	*	*	PUNCT
fsr-3465	280	5	(	(	PUNCT
fsr-3465	280	6	2.513	2.513	NUM
fsr-3465	280	7	)	)	PUNCT
fsr-3465	280	8	14.44	14.44	NUM
fsr-3465	280	9	(	(	PUNCT
fsr-3465	280	10	3.149	3.149	NUM
fsr-3465	280	11	)	)	PUNCT
fsr-3465	280	12	pre	pre	VERB
fsr-3465	280	13	confidence	confidence	NOUN
fsr-3465	280	14	in	in	ADP
fsr-3465	280	15	future	future	ADJ
fsr-3465	280	16	2.684	2.684	NUM
fsr-3465	280	17	(	(	PUNCT
fsr-3465	280	18	1.004	1.004	NUM
fsr-3465	280	19	)	)	PUNCT
fsr-3465	280	20	2.357	2.357	NUM
fsr-3465	280	21	(	(	PUNCT
fsr-3465	280	22	0.885	0.885	NUM
fsr-3465	280	23	)	)	PUNCT
fsr-3465	280	24	2,943	2,943	NUM
fsr-3465	280	25	(	(	PUNCT
fsr-3465	280	26	1.021	1.021	NUM
fsr-3465	280	27	)	)	PUNCT
fsr-3465	280	28	post	post	NOUN
fsr-3465	280	29	confidence	confidence	NOUN
fsr-3465	280	30	in	in	ADP
fsr-3465	280	31	future	future	ADJ
fsr-3465	280	32	3.184	3.184	NUM
fsr-3465	280	33	*	*	NOUN
fsr-3465	280	34	*	*	PUNCT
fsr-3465	280	35	*	*	PUNCT
fsr-3465	280	36	(	(	PUNCT
fsr-3465	280	37	0.843	0.843	NUM
fsr-3465	280	38	)	)	PUNCT
fsr-3465	280	39	3.357	3.357	NUM
fsr-3465	280	40	*	*	PUNCT
fsr-3465	280	41	*	*	PUNCT
fsr-3465	280	42	*	*	PUNCT
fsr-3465	280	43	(	(	PUNCT
fsr-3465	280	44	0.638	0.638	NUM
fsr-3465	280	45	)	)	PUNCT
fsr-3465	280	46	3.045	3.045	NUM
fsr-3465	280	47	(	(	PUNCT
fsr-3465	280	48	0.958	0.958	NUM
fsr-3465	280	49	)	)	PUNCT
fsr-3465	280	50	gpa	gpa	PROPN
fsr-3465	280	51	3.439	3.439	NUM
fsr-3465	280	52	(	(	PUNCT
fsr-3465	280	53	0.427	0.427	NUM
fsr-3465	280	54	)	)	PUNCT
fsr-3465	280	55	3.462	3.462	NUM
fsr-3465	280	56	(	(	PUNCT
fsr-3465	280	57	0.435	0.435	NUM
fsr-3465	280	58	)	)	PUNCT
fsr-3465	280	59	3.422	3.422	NUM
fsr-3465	280	60	(	(	PUNCT
fsr-3465	280	61	0.423	0.423	NUM
fsr-3465	280	62	)	)	PUNCT
fsr-3465	280	63	gender	gender	NOUN
fsr-3465	280	64	0.696	0.696	NUM
fsr-3465	280	65	(	(	PUNCT
fsr-3465	280	66	0.462	0.462	NUM
fsr-3465	280	67	)	)	PUNCT
fsr-3465	280	68	0.757	0.757	NUM
fsr-3465	280	69	(	(	PUNCT
fsr-3465	280	70	0.432	0.432	NUM
fsr-3465	280	71	)	)	PUNCT
fsr-3465	280	72	0.648	0.648	NUM
fsr-3465	280	73	(	(	PUNCT
fsr-3465	280	74	0.480	0.480	NUM
fsr-3465	280	75	)	)	PUNCT
fsr-3465	280	76	loanperc	loanperc	VERB
fsr-3465	280	77	0.073	0.073	NUM
fsr-3465	280	78	(	(	PUNCT
fsr-3465	280	79	0.149	0.149	NUM
fsr-3465	280	80	)	)	PUNCT
fsr-3465	280	81	0.053	0.053	NUM
fsr-3465	280	82	(	(	PUNCT
fsr-3465	280	83	0.117	0.117	NUM
fsr-3465	280	84	)	)	PUNCT
fsr-3465	280	85	0.088	0.088	NUM
fsr-3465	280	86	(	(	PUNCT
fsr-3465	280	87	0.168	0.168	NUM
fsr-3465	280	88	)	)	PUNCT
fsr-3465	280	89	selfperc	selfperc	NOUN
fsr-3465	280	90	0.022	0.022	NUM
fsr-3465	280	91	(	(	PUNCT
fsr-3465	280	92	0.076	0.076	NUM
fsr-3465	280	93	)	)	PUNCT
fsr-3465	280	94	)	)	PUNCT
fsr-3465	280	95	0.02	0.02	NUM
fsr-3465	280	96	(	(	PUNCT
fsr-3465	280	97	0.072	0.072	NUM
fsr-3465	280	98	)	)	PUNCT
fsr-3465	280	99	0.024	0.024	NUM
fsr-3465	280	100	(	(	PUNCT
fsr-3465	280	101	0.080	0.080	NUM
fsr-3465	280	102	)	)	PUNCT
fsr-3465	280	103	minority	minority	NOUN
fsr-3465	280	104	0.0683	0.0683	NUM
fsr-3465	280	105	(	(	PUNCT
fsr-3465	280	106	0.253	0.253	NUM
fsr-3465	280	107	)	)	PUNCT
fsr-3465	280	108	0.0714	0.0714	NUM
fsr-3465	280	109	(	(	PUNCT
fsr-3465	280	110	0.259	0.259	NUM
fsr-3465	280	111	)	)	PUNCT
fsr-3465	280	112	0.0659	0.0659	NUM
fsr-3465	280	113	(	(	PUNCT
fsr-3465	280	114	0.250	0.250	NUM
fsr-3465	280	115	)	)	PUNCT
fsr-3465	280	116	income	income	NOUN
fsr-3465	280	117	4.783	4.783	NUM
fsr-3465	280	118	(	(	PUNCT
fsr-3465	280	119	1.298	1.298	NUM
fsr-3465	280	120	)	)	PUNCT
fsr-3465	280	121	4.786	4.786	NUM
fsr-3465	280	122	(	(	PUNCT
fsr-3465	280	123	1.250	1.250	NUM
fsr-3465	280	124	)	)	PUNCT
fsr-3465	280	125	4.780	4.780	NUM
fsr-3465	280	126	(	(	PUNCT
fsr-3465	280	127	1.340	1.340	NUM
fsr-3465	280	128	)	)	PUNCT
fsr-3465	280	129	ecnbusacc	ecnbusacc	VERB
fsr-3465	280	130	0.236	0.236	NUM
fsr-3465	280	131	(	(	PUNCT
fsr-3465	280	132	0.426	0.426	NUM
fsr-3465	280	133	)	)	PUNCT
fsr-3465	280	134	0.243	0.243	NUM
fsr-3465	280	135	(	(	PUNCT
fsr-3465	280	136	0.432	0.432	NUM
fsr-3465	280	137	)	)	PUNCT
fsr-3465	280	138	0.231	0.231	NUM
fsr-3465	280	139	(	(	PUNCT
fsr-3465	280	140	0.424	0.424	NUM
fsr-3465	280	141	)	)	PUNCT
fsr-3465	280	142	noretans	noretan	VERB
fsr-3465	280	143	0.0683	0.0683	NUM
fsr-3465	280	144	(	(	PUNCT
fsr-3465	280	145	0.253	0.253	NUM
fsr-3465	280	146	)	)	PUNCT
fsr-3465	280	147	0.0714	0.0714	NUM
fsr-3465	280	148	(	(	PUNCT
fsr-3465	280	149	0.259	0.259	NUM
fsr-3465	280	150	)	)	PUNCT
fsr-3465	280	151	0.0659	0.0659	NUM
fsr-3465	280	152	(	(	PUNCT
fsr-3465	280	153	0.250	0.250	NUM
fsr-3465	280	154	)	)	PUNCT
fsr-3465	280	155	finserv	finserv	VERB
fsr-3465	280	156	0.168	0.168	NUM
fsr-3465	280	157	(	(	PUNCT
fsr-3465	280	158	0.375	0.375	NUM
fsr-3465	280	159	)	)	PUNCT
fsr-3465	280	160	0.157	0.157	NUM
fsr-3465	280	161	(	(	PUNCT
fsr-3465	280	162	0.367	0.367	NUM
fsr-3465	280	163	)	)	PUNCT
fsr-3465	280	164	0.176	0.176	NUM
fsr-3465	280	165	(	(	PUNCT
fsr-3465	280	166	0.383	0.383	NUM
fsr-3465	280	167	)	)	PUNCT
fsr-3465	280	168	needcog	needcog	VERB
fsr-3465	280	169	62.35	62.35	NUM
fsr-3465	280	170	(	(	PUNCT
fsr-3465	280	171	11.02	11.02	NUM
fsr-3465	280	172	)	)	PUNCT
fsr-3465	280	173	61.76	61.76	NUM
fsr-3465	280	174	(	(	PUNCT
fsr-3465	280	175	11.26	11.26	NUM
fsr-3465	280	176	)	)	PUNCT
fsr-3465	281	1	62.81	62.81	NUM
fsr-3465	281	2	(	(	PUNCT
fsr-3465	281	3	10.88	10.88	NUM
fsr-3465	281	4	)	)	PUNCT
fsr-3465	281	5	proportion	proportion	NOUN
fsr-3465	281	6	of	of	ADP
fsr-3465	281	7	sample	sample	NOUN
fsr-3465	281	8	control	control	NOUN
fsr-3465	281	9	0.565	0.565	NUM
fsr-3465	281	10	(	(	PUNCT
fsr-3465	281	11	0.497	0.497	NUM
fsr-3465	281	12	)	)	PUNCT
fsr-3465	281	13	observations	observation	NOUN
fsr-3465	281	14	161	161	NUM
fsr-3465	281	15	70	70	NUM
fsr-3465	281	16	91	91	NUM
fsr-3465	282	1	this	this	DET
fsr-3465	282	2	table	table	NOUN
fsr-3465	282	3	presents	present	NOUN
fsr-3465	282	4	summary	summary	VERB
fsr-3465	282	5	descriptive	descriptive	ADJ
fsr-3465	282	6	statistics	statistic	NOUN
fsr-3465	282	7	for	for	ADP
fsr-3465	282	8	variables	variable	NOUN
fsr-3465	282	9	in	in	ADP
fsr-3465	282	10	the	the	DET
fsr-3465	282	11	knowscore	knowscore	NOUN
fsr-3465	282	12	and	and	CCONJ
fsr-3465	282	13	confidence	confidence	NOUN
fsr-3465	282	14	analysis	analysis	NOUN
fsr-3465	282	15	.	.	PUNCT
fsr-3465	283	1	knowscore	knowscore	PROPN
fsr-3465	283	2	is	be	AUX
fsr-3465	283	3	a	a	DET
fsr-3465	283	4	student	student	NOUN
fsr-3465	283	5	’s	’s	PART
fsr-3465	283	6	score	score	NOUN
fsr-3465	283	7	on	on	ADP
fsr-3465	283	8	the	the	DET
fsr-3465	283	9	20	20	NUM
fsr-3465	283	10	question	question	NOUN
fsr-3465	283	11	knowledge	knowledge	NOUN
fsr-3465	283	12	test	test	NOUN
fsr-3465	283	13	.	.	PUNCT
fsr-3465	284	1	confidence	confidence	NOUN
fsr-3465	284	2	is	be	AUX
fsr-3465	284	3	the	the	DET
fsr-3465	284	4	reported	report	VERB
fsr-3465	284	5	measure	measure	NOUN
fsr-3465	284	6	of	of	ADP
fsr-3465	284	7	a	a	DET
fsr-3465	284	8	student	student	NOUN
fsr-3465	284	9	’s	’s	PART
fsr-3465	284	10	confidence	confidence	NOUN
fsr-3465	284	11	in	in	ADP
fsr-3465	284	12	their	their	PRON
fsr-3465	284	13	ability	ability	NOUN
fsr-3465	284	14	to	to	PART
fsr-3465	284	15	manage	manage	VERB
fsr-3465	284	16	their	their	PRON
fsr-3465	284	17	financial	financial	ADJ
fsr-3465	284	18	future	future	NOUN
fsr-3465	284	19	ranging	range	VERB
fsr-3465	284	20	from	from	ADP
fsr-3465	284	21	1	1	NUM
fsr-3465	284	22	-	-	SYM
fsr-3465	284	23	5	5	NUM
fsr-3465	284	24	.	.	PUNCT
fsr-3465	285	1	pre	pre	VERB
fsr-3465	285	2	and	and	CCONJ
fsr-3465	285	3	post	post	NOUN
fsr-3465	285	4	identify	identify	VERB
fsr-3465	285	5	either	either	CCONJ
fsr-3465	285	6	the	the	DET
fsr-3465	285	7	pre	pre	NOUN
fsr-3465	285	8	-	-	NOUN
fsr-3465	285	9	seminar	seminar	NOUN
fsr-3465	285	10	or	or	CCONJ
fsr-3465	285	11	post	post	ADJ
fsr-3465	285	12	-	-	ADJ
fsr-3465	285	13	seminar	seminar	ADJ
fsr-3465	285	14	measurement	measurement	NOUN
fsr-3465	285	15	.	.	PUNCT
fsr-3465	286	1	all	all	PRON
fsr-3465	286	2	of	of	ADP
fsr-3465	286	3	the	the	DET
fsr-3465	286	4	control	control	NOUN
fsr-3465	286	5	variables	variable	NOUN
fsr-3465	286	6	listed	list	VERB
fsr-3465	286	7	below	below	ADV
fsr-3465	286	8	are	be	AUX
fsr-3465	286	9	captured	capture	VERB
fsr-3465	286	10	in	in	ADP
fsr-3465	286	11	the	the	DET
fsr-3465	286	12	presurvey	presurvey	NOUN
fsr-3465	286	13	and	and	CCONJ
fsr-3465	286	14	are	be	AUX
fsr-3465	286	15	means	mean	NOUN
fsr-3465	286	16	for	for	ADP
fsr-3465	286	17	all	all	DET
fsr-3465	286	18	pfp	pfp	PROPN
fsr-3465	286	19	participants	participant	NOUN
fsr-3465	286	20	and	and	CCONJ
fsr-3465	286	21	control	control	NOUN
fsr-3465	286	22	respondents	respondent	NOUN
fsr-3465	286	23	that	that	PRON
fsr-3465	286	24	completed	complete	VERB
fsr-3465	286	25	both	both	DET
fsr-3465	286	26	surveys	survey	NOUN
fsr-3465	286	27	(	(	PUNCT
fsr-3465	286	28	column	column	NOUN
fsr-3465	286	29	1	1	NUM
fsr-3465	286	30	)	)	PUNCT
fsr-3465	286	31	,	,	PUNCT
fsr-3465	286	32	the	the	DET
fsr-3465	286	33	treatment	treatment	NOUN
fsr-3465	286	34	group	group	NOUN
fsr-3465	286	35	separately	separately	ADV
fsr-3465	286	36	that	that	PRON
fsr-3465	286	37	completed	complete	VERB
fsr-3465	286	38	both	both	DET
fsr-3465	286	39	surveys	survey	NOUN
fsr-3465	286	40	(	(	PUNCT
fsr-3465	286	41	column	column	NOUN
fsr-3465	286	42	2	2	NUM
fsr-3465	286	43	)	)	PUNCT
fsr-3465	286	44	,	,	PUNCT
fsr-3465	286	45	and	and	CCONJ
fsr-3465	286	46	the	the	DET
fsr-3465	286	47	control	control	NOUN
fsr-3465	286	48	group	group	NOUN
fsr-3465	286	49	separately	separately	ADV
fsr-3465	286	50	that	that	PRON
fsr-3465	286	51	completed	complete	VERB
fsr-3465	286	52	both	both	DET
fsr-3465	286	53	surveys	survey	NOUN
fsr-3465	286	54	(	(	PUNCT
fsr-3465	286	55	column	column	NOUN
fsr-3465	286	56	3	3	NUM
fsr-3465	286	57	)	)	PUNCT
fsr-3465	286	58	.	.	PUNCT
fsr-3465	287	1	gpa	gpa	PROPN
fsr-3465	287	2	is	be	AUX
fsr-3465	287	3	the	the	DET
fsr-3465	287	4	student	student	NOUN
fsr-3465	287	5	’s	’s	PART
fsr-3465	287	6	gpa	gpa	PROPN
fsr-3465	287	7	at	at	ADP
fsr-3465	287	8	the	the	DET
fsr-3465	287	9	end	end	NOUN
fsr-3465	287	10	of	of	ADP
fsr-3465	287	11	the	the	DET
fsr-3465	287	12	junior	junior	ADJ
fsr-3465	287	13	year	year	NOUN
fsr-3465	287	14	,	,	PUNCT
fsr-3465	287	15	on	on	ADP
fsr-3465	287	16	a	a	DET
fsr-3465	287	17	4	4	NUM
fsr-3465	287	18	-	-	PUNCT
fsr-3465	287	19	point	point	NOUN
fsr-3465	287	20	scale	scale	NOUN
fsr-3465	287	21	.	.	PUNCT
fsr-3465	288	1	gender	gender	NOUN
fsr-3465	288	2	is	be	AUX
fsr-3465	288	3	a	a	DET
fsr-3465	288	4	dummy	dummy	ADJ
fsr-3465	288	5	variable	variable	NOUN
fsr-3465	288	6	equal	equal	ADJ
fsr-3465	288	7	to	to	ADP
fsr-3465	288	8	1	1	NUM
fsr-3465	288	9	if	if	SCONJ
fsr-3465	288	10	the	the	DET
fsr-3465	288	11	student	student	NOUN
fsr-3465	288	12	is	be	AUX
fsr-3465	288	13	a	a	DET
fsr-3465	288	14	female	female	ADJ
fsr-3465	288	15	and	and	CCONJ
fsr-3465	288	16	0	0	NUM
fsr-3465	288	17	otherwise	otherwise	ADV
fsr-3465	288	18	.	.	PUNCT
fsr-3465	289	1	loanperc	loanperc	VERB
fsr-3465	289	2	and	and	CCONJ
fsr-3465	289	3	selfperc	selfperc	NOUN
fsr-3465	289	4	are	be	AUX
fsr-3465	289	5	the	the	DET
fsr-3465	289	6	percentage	percentage	NOUN
fsr-3465	289	7	of	of	ADP
fsr-3465	289	8	student	student	NOUN
fsr-3465	289	9	college	college	NOUN
fsr-3465	289	10	cost	cost	NOUN
fsr-3465	289	11	paid	pay	VERB
fsr-3465	289	12	for	for	ADP
fsr-3465	289	13	with	with	ADP
fsr-3465	289	14	debt	debt	NOUN
fsr-3465	289	15	or	or	CCONJ
fsr-3465	289	16	by	by	ADP
fsr-3465	289	17	the	the	DET
fsr-3465	289	18	student	student	NOUN
fsr-3465	289	19	.	.	PUNCT
fsr-3465	290	1	minority	minority	NOUN
fsr-3465	290	2	is	be	AUX
fsr-3465	290	3	a	a	DET
fsr-3465	290	4	dummy	dummy	NOUN
fsr-3465	290	5	equal	equal	ADJ
fsr-3465	290	6	to	to	ADP
fsr-3465	290	7	1	1	NUM
fsr-3465	290	8	if	if	SCONJ
fsr-3465	290	9	the	the	DET
fsr-3465	290	10	student	student	NOUN
fsr-3465	290	11	identified	identify	VERB
fsr-3465	290	12	as	as	ADP
fsr-3465	290	13	a	a	DET
fsr-3465	290	14	minority	minority	NOUN
fsr-3465	290	15	and	and	CCONJ
fsr-3465	290	16	0	0	NUM
fsr-3465	290	17	otherwise	otherwise	ADV
fsr-3465	290	18	.	.	PUNCT
fsr-3465	291	1	income	income	NOUN
fsr-3465	291	2	is	be	AUX
fsr-3465	291	3	a	a	DET
fsr-3465	291	4	variable	variable	NOUN
fsr-3465	291	5	ranging	range	VERB
fsr-3465	291	6	from	from	ADP
fsr-3465	291	7	1	1	NUM
fsr-3465	291	8	(	(	PUNCT
fsr-3465	291	9	low	low	ADJ
fsr-3465	291	10	)	)	PUNCT
fsr-3465	291	11	to	to	ADP
fsr-3465	291	12	6	6	NUM
fsr-3465	291	13	(	(	PUNCT
fsr-3465	291	14	high	high	ADJ
fsr-3465	291	15	)	)	PUNCT
fsr-3465	291	16	capturing	capture	VERB
fsr-3465	291	17	the	the	DET
fsr-3465	291	18	student	student	NOUN
fsr-3465	291	19	’s	’s	PART
fsr-3465	291	20	household	household	NOUN
fsr-3465	291	21	income	income	NOUN
fsr-3465	291	22	.	.	PUNCT
fsr-3465	292	1	ecnbusacc	ecnbusacc	PROPN
fsr-3465	292	2	is	be	AUX
fsr-3465	292	3	a	a	DET
fsr-3465	292	4	dummy	dummy	ADJ
fsr-3465	292	5	equal	equal	ADJ
fsr-3465	292	6	to	to	ADP
fsr-3465	292	7	1	1	NUM
fsr-3465	292	8	if	if	SCONJ
fsr-3465	292	9	the	the	DET
fsr-3465	292	10	student	student	NOUN
fsr-3465	292	11	is	be	AUX
fsr-3465	292	12	an	an	DET
fsr-3465	292	13	economics	economic	NOUN
fsr-3465	292	14	,	,	PUNCT
fsr-3465	292	15	business	business	NOUN
fsr-3465	292	16	,	,	PUNCT
fsr-3465	292	17	or	or	CCONJ
fsr-3465	292	18	accounting	account	VERB
fsr-3465	292	19	major	major	ADJ
fsr-3465	292	20	and	and	CCONJ
fsr-3465	292	21	0	0	NUM
fsr-3465	292	22	otherwise	otherwise	ADV
fsr-3465	292	23	.	.	PUNCT
fsr-3465	293	1	noretans	noretan	NOUN
fsr-3465	293	2	is	be	AUX
fsr-3465	293	3	a	a	DET
fsr-3465	293	4	dummy	dummy	ADJ
fsr-3465	293	5	equal	equal	ADJ
fsr-3465	293	6	to	to	ADP
fsr-3465	293	7	1	1	NUM
fsr-3465	293	8	if	if	SCONJ
fsr-3465	293	9	the	the	DET
fsr-3465	293	10	student	student	NOUN
fsr-3465	293	11	did	do	AUX
fsr-3465	293	12	not	not	PART
fsr-3465	293	13	answer	answer	VERB
fsr-3465	293	14	the	the	DET
fsr-3465	293	15	question	question	NOUN
fsr-3465	293	16	“	"	PUNCT
fsr-3465	293	17	how	how	SCONJ
fsr-3465	293	18	much	much	ADJ
fsr-3465	293	19	do	do	AUX
fsr-3465	293	20	you	you	PRON
fsr-3465	293	21	think	think	VERB
fsr-3465	293	22	you	you	PRON
fsr-3465	293	23	will	will	AUX
fsr-3465	293	24	need	need	VERB
fsr-3465	293	25	to	to	PART
fsr-3465	293	26	retire	retire	VERB
fsr-3465	293	27	?	?	PUNCT
fsr-3465	293	28	”	"	PUNCT
fsr-3465	294	1	and	and	CCONJ
fsr-3465	294	2	0	0	NUM
fsr-3465	294	3	otherwise	otherwise	ADV
fsr-3465	294	4	.	.	PUNCT
fsr-3465	295	1	finserv	finserv	PROPN
fsr-3465	295	2	is	be	AUX
fsr-3465	295	3	a	a	DET
fsr-3465	295	4	dummy	dummy	ADJ
fsr-3465	295	5	equal	equal	ADJ
fsr-3465	295	6	to	to	ADP
fsr-3465	295	7	1	1	NUM
fsr-3465	295	8	if	if	SCONJ
fsr-3465	295	9	one	one	NUM
fsr-3465	295	10	or	or	CCONJ
fsr-3465	295	11	both	both	PRON
fsr-3465	295	12	of	of	ADP
fsr-3465	295	13	a	a	DET
fsr-3465	295	14	student	student	NOUN
fsr-3465	295	15	’s	’s	PART
fsr-3465	295	16	parents	parent	NOUN
fsr-3465	295	17	work	work	VERB
fsr-3465	295	18	in	in	ADP
fsr-3465	295	19	the	the	DET
fsr-3465	295	20	financial	financial	ADJ
fsr-3465	295	21	services	service	NOUN
fsr-3465	295	22	industry	industry	NOUN
fsr-3465	295	23	and	and	CCONJ
fsr-3465	295	24	0	0	NUM
fsr-3465	295	25	otherwise	otherwise	ADV
fsr-3465	295	26	.	.	PUNCT
fsr-3465	296	1	needcog	needcog	PROPN
fsr-3465	296	2	is	be	AUX
fsr-3465	296	3	a	a	DET
fsr-3465	296	4	composite	composite	ADJ
fsr-3465	296	5	measure	measure	NOUN
fsr-3465	296	6	ranging	range	VERB
fsr-3465	296	7	from	from	ADP
fsr-3465	296	8	0	0	NUM
fsr-3465	296	9	-	-	SYM
fsr-3465	296	10	90	90	NUM
fsr-3465	296	11	that	that	PRON
fsr-3465	296	12	captures	capture	VERB
fsr-3465	296	13	a	a	DET
fsr-3465	296	14	student	student	NOUN
fsr-3465	296	15	’s	’s	PART
fsr-3465	296	16	propensity	propensity	NOUN
fsr-3465	296	17	to	to	PART
fsr-3465	296	18	engage	engage	VERB
fsr-3465	296	19	cognitive	cognitive	ADJ
fsr-3465	296	20	activities	activity	NOUN
fsr-3465	296	21	.	.	PUNCT
fsr-3465	297	1	proportion	proportion	NOUN
fsr-3465	297	2	of	of	ADP
fsr-3465	297	3	sample	sample	NOUN
fsr-3465	297	4	control	control	NOUN
fsr-3465	297	5	is	be	AUX
fsr-3465	297	6	the	the	DET
fsr-3465	297	7	percentage	percentage	NOUN
fsr-3465	297	8	of	of	ADP
fsr-3465	297	9	non	non	NOUN
fsr-3465	297	10	-	-	NOUN
fsr-3465	297	11	participants	participant	NOUN
fsr-3465	297	12	in	in	ADP
fsr-3465	297	13	the	the	DET
fsr-3465	297	14	matched	match	VERB
fsr-3465	297	15	sample	sample	NOUN
fsr-3465	297	16	.	.	PUNCT
fsr-3465	298	1	*	*	PUNCT
fsr-3465	299	1	*	*	PUNCT
fsr-3465	299	2	*	*	PUNCT
fsr-3465	299	3	p	p	X
fsr-3465	299	4	<	<	X
fsr-3465	299	5	0.01	0.01	NUM
fsr-3465	299	6	,	,	PUNCT
fsr-3465	299	7	*	*	PUNCT
fsr-3465	299	8	*	*	PUNCT
fsr-3465	299	9	p	p	X
fsr-3465	299	10	<	<	X
fsr-3465	299	11	0.05	0.05	NUM
fsr-3465	299	12	.	.	PUNCT
fsr-3465	300	1	326	326	NUM
fsr-3465	300	2	j.	j.	PROPN
fsr-3465	300	3	handy	handy	PROPN
fsr-3465	300	4	et	et	PROPN
fsr-3465	300	5	al	al	PROPN
fsr-3465	300	6	.	.	PUNCT
fsr-3465	300	7	/	/	SYM
fsr-3465	300	8	financial	financial	ADJ
fsr-3465	300	9	services	service	NOUN
fsr-3465	300	10	review	review	VERB
fsr-3465	300	11	29	29	NUM
fsr-3465	300	12	(	(	PUNCT
fsr-3465	300	13	2021	2021	NUM
fsr-3465	300	14	)	)	PUNCT
fsr-3465	301	1	315–341	315–341	NUM
fsr-3465	301	2	are	be	AUX
fsr-3465	301	3	less	less	ADV
fsr-3465	301	4	confident	confident	ADJ
fsr-3465	301	5	take	take	VERB
fsr-3465	301	6	actions	action	NOUN
fsr-3465	301	7	to	to	PART
fsr-3465	301	8	address	address	VERB
fsr-3465	301	9	their	their	PRON
fsr-3465	301	10	concerns	concern	NOUN
fsr-3465	301	11	.	.	PUNCT
fsr-3465	302	1	women	woman	NOUN
fsr-3465	302	2	are	be	AUX
fsr-3465	302	3	significantly	significantly	ADV
fsr-3465	302	4	(	(	PUNCT
fsr-3465	302	5	at	at	ADP
fsr-3465	302	6	the	the	DET
fsr-3465	302	7	5	5	NUM
fsr-3465	302	8	%	%	NOUN
fsr-3465	302	9	level	level	NOUN
fsr-3465	302	10	)	)	PUNCT
fsr-3465	302	11	more	more	ADV
fsr-3465	302	12	likely	likely	ADJ
fsr-3465	302	13	to	to	PART
fsr-3465	302	14	participate	participate	VERB
fsr-3465	302	15	in	in	ADP
fsr-3465	302	16	the	the	DET
fsr-3465	302	17	program	program	NOUN
fsr-3465	302	18	.	.	PUNCT
fsr-3465	303	1	this	this	DET
fsr-3465	303	2	finding	finding	NOUN
fsr-3465	303	3	is	be	AUX
fsr-3465	303	4	encouraging	encouraging	ADJ
fsr-3465	303	5	given	give	VERB
fsr-3465	303	6	that	that	SCONJ
fsr-3465	303	7	women	woman	NOUN
fsr-3465	303	8	have	have	AUX
fsr-3465	303	9	historically	historically	ADV
fsr-3465	303	10	shown	show	VERB
fsr-3465	303	11	lower	low	ADJ
fsr-3465	303	12	levels	level	NOUN
fsr-3465	303	13	of	of	ADP
fsr-3465	303	14	financial	financial	ADJ
fsr-3465	303	15	knowledge	knowledge	NOUN
fsr-3465	303	16	than	than	ADP
fsr-3465	303	17	men	man	NOUN
fsr-3465	303	18	,	,	PUNCT
fsr-3465	303	19	a	a	DET
fsr-3465	303	20	result	result	NOUN
fsr-3465	303	21	we	we	PRON
fsr-3465	303	22	confirm	confirm	VERB
fsr-3465	303	23	with	with	ADP
fsr-3465	303	24	pre	pre	ADJ
fsr-3465	303	25	-	-	ADJ
fsr-3465	303	26	pfp	pfp	ADJ
fsr-3465	303	27	data	data	PROPN
fsr-3465	303	28	.	.	PUNCT
fsr-3465	304	1	table	table	NOUN
fsr-3465	304	2	3	3	NUM
fsr-3465	304	3	financial	financial	ADJ
fsr-3465	304	4	knowledgescore	knowledgescore	NOUN
fsr-3465	304	5	and	and	CCONJ
fsr-3465	304	6	pfp	pfp	PROPN
fsr-3465	304	7	participation	participation	NOUN
fsr-3465	304	8	variables	variable	NOUN
fsr-3465	304	9	(	(	PUNCT
fsr-3465	304	10	1	1	NUM
fsr-3465	304	11	)	)	PUNCT
fsr-3465	304	12	(	(	PUNCT
fsr-3465	304	13	2	2	NUM
fsr-3465	304	14	)	)	PUNCT
fsr-3465	304	15	(	(	PUNCT
fsr-3465	304	16	3	3	X
fsr-3465	304	17	)	)	PUNCT
fsr-3465	304	18	(	(	PUNCT
fsr-3465	304	19	4	4	X
fsr-3465	304	20	)	)	PUNCT
fsr-3465	304	21	post	post	NOUN
fsr-3465	304	22	pfp	pfp	PROPN
fsr-3465	304	23	dummy	dummy	PROPN
fsr-3465	304	24	0.572	0.572	NUM
fsr-3465	304	25	*	*	NOUN
fsr-3465	304	26	*	*	PUNCT
fsr-3465	304	27	(	(	PUNCT
fsr-3465	304	28	0.250	0.250	NUM
fsr-3465	304	29	)	)	PUNCT
fsr-3465	304	30	1.175	1.175	NUM
fsr-3465	304	31	*	*	PUNCT
fsr-3465	304	32	*	*	PUNCT
fsr-3465	304	33	*	*	PUNCT
fsr-3465	304	34	(	(	PUNCT
fsr-3465	304	35	0.346	0.346	NUM
fsr-3465	304	36	)	)	PUNCT
fsr-3465	304	37	�	�	NOUN
fsr-3465	304	38	0.0401	0.0401	NUM
fsr-3465	304	39	(	(	PUNCT
fsr-3465	304	40	0.456	0.456	NUM
fsr-3465	304	41	)	)	PUNCT
fsr-3465	304	42	0.700	0.700	NUM
fsr-3465	304	43	*	*	PUNCT
fsr-3465	305	1	*	*	PUNCT
fsr-3465	305	2	*	*	PUNCT
fsr-3465	305	3	(	(	PUNCT
fsr-3465	305	4	0.252	0.252	NUM
fsr-3465	305	5	)	)	PUNCT
fsr-3465	305	6	gpa	gpa	PROPN
fsr-3465	305	7	1.093	1.093	NUM
fsr-3465	305	8	*	*	PUNCT
fsr-3465	305	9	*	*	PUNCT
fsr-3465	305	10	*	*	PUNCT
fsr-3465	305	11	(	(	PUNCT
fsr-3465	305	12	0.360	0.360	NUM
fsr-3465	305	13	)	)	PUNCT
fsr-3465	305	14	1.092	1.092	NUM
fsr-3465	305	15	*	*	PUNCT
fsr-3465	305	16	*	*	PUNCT
fsr-3465	305	17	*	*	PUNCT
fsr-3465	305	18	(	(	PUNCT
fsr-3465	305	19	0.358	0.358	NUM
fsr-3465	305	20	)	)	PUNCT
fsr-3465	305	21	1.093	1.093	NUM
fsr-3465	305	22	*	*	PUNCT
fsr-3465	305	23	*	*	PUNCT
fsr-3465	305	24	*	*	PUNCT
fsr-3465	305	25	(	(	PUNCT
fsr-3465	305	26	0.359	0.359	NUM
fsr-3465	305	27	)	)	PUNCT
fsr-3465	305	28	1.097	1.097	NUM
fsr-3465	305	29	*	*	PUNCT
fsr-3465	305	30	*	*	PUNCT
fsr-3465	305	31	*	*	PUNCT
fsr-3465	305	32	(	(	PUNCT
fsr-3465	305	33	0.356	0.356	NUM
fsr-3465	305	34	)	)	PUNCT
fsr-3465	305	35	gender	gender	NOUN
fsr-3465	305	36	�	�	PROPN
fsr-3465	305	37	0.967	0.967	NUM
fsr-3465	305	38	*	*	PUNCT
fsr-3465	305	39	*	*	PUNCT
fsr-3465	305	40	*	*	PUNCT
fsr-3465	305	41	(	(	PUNCT
fsr-3465	305	42	0.287	0.287	NUM
fsr-3465	305	43	)	)	PUNCT
fsr-3465	305	44	�	�	NOUN
fsr-3465	305	45	0.968	0.968	NUM
fsr-3465	305	46	*	*	PUNCT
fsr-3465	305	47	*	*	PUNCT
fsr-3465	305	48	*	*	PUNCT
fsr-3465	305	49	(	(	PUNCT
fsr-3465	305	50	0.288	0.288	NUM
fsr-3465	305	51	)	)	PUNCT
fsr-3465	305	52	�	�	NOUN
fsr-3465	305	53	1.407	1.407	NUM
fsr-3465	305	54	*	*	PUNCT
fsr-3465	305	55	*	*	PUNCT
fsr-3465	305	56	*	*	PUNCT
fsr-3465	305	57	(	(	PUNCT
fsr-3465	305	58	0.364	0.364	NUM
fsr-3465	305	59	)	)	PUNCT
fsr-3465	305	60	�	�	NOUN
fsr-3465	305	61	0.964	0.964	NUM
fsr-3465	305	62	*	*	PUNCT
fsr-3465	305	63	*	*	PUNCT
fsr-3465	305	64	*	*	PUNCT
fsr-3465	305	65	(	(	PUNCT
fsr-3465	305	66	0.287	0.287	NUM
fsr-3465	305	67	)	)	PUNCT
fsr-3465	305	68	loanperc	loanperc	PROPN
fsr-3465	305	69	�	�	PROPN
fsr-3465	305	70	0.222	0.222	NUM
fsr-3465	305	71	(	(	PUNCT
fsr-3465	305	72	0.871	0.871	NUM
fsr-3465	305	73	)	)	PUNCT
fsr-3465	305	74	�	�	PROPN
fsr-3465	305	75	0.223	0.223	NUM
fsr-3465	305	76	(	(	PUNCT
fsr-3465	305	77	0.873	0.873	NUM
fsr-3465	305	78	)	)	PUNCT
fsr-3465	305	79	�	�	PROPN
fsr-3465	305	80	0.222	0.222	NUM
fsr-3465	305	81	(	(	PUNCT
fsr-3465	305	82	0.866	0.866	NUM
fsr-3465	305	83	)	)	PUNCT
fsr-3465	305	84	�	�	PROPN
fsr-3465	305	85	0.217	0.217	NUM
fsr-3465	305	86	(	(	PUNCT
fsr-3465	305	87	0.857	0.857	NUM
fsr-3465	305	88	)	)	PUNCT
fsr-3465	305	89	selfperc	selfperc	NOUN
fsr-3465	305	90	�	�	PROPN
fsr-3465	305	91	0.0371	0.0371	NUM
fsr-3465	305	92	(	(	PUNCT
fsr-3465	305	93	2.012	2.012	NUM
fsr-3465	305	94	)	)	PUNCT
fsr-3465	305	95	�	�	NOUN
fsr-3465	305	96	0.0543	0.0543	NUM
fsr-3465	305	97	(	(	PUNCT
fsr-3465	305	98	1.951	1.951	NUM
fsr-3465	305	99	)	)	PUNCT
fsr-3465	305	100	�	�	NOUN
fsr-3465	305	101	0.0381	0.0381	NUM
fsr-3465	305	102	(	(	PUNCT
fsr-3465	305	103	1.999	1.999	NUM
fsr-3465	305	104	)	)	PUNCT
fsr-3465	305	105	0.0280	0.0280	NUM
fsr-3465	305	106	(	(	PUNCT
fsr-3465	305	107	2.012	2.012	NUM
fsr-3465	305	108	)	)	PUNCT
fsr-3465	305	109	minority	minority	NOUN
fsr-3465	305	110	�	�	NOUN
fsr-3465	305	111	2.519	2.519	NUM
fsr-3465	305	112	*	*	PUNCT
fsr-3465	305	113	*	*	PUNCT
fsr-3465	305	114	*	*	PUNCT
fsr-3465	305	115	(	(	PUNCT
fsr-3465	305	116	0.786	0.786	NUM
fsr-3465	305	117	)	)	PUNCT
fsr-3465	305	118	�	�	NOUN
fsr-3465	305	119	2.521	2.521	NUM
fsr-3465	305	120	*	*	PUNCT
fsr-3465	305	121	*	*	PUNCT
fsr-3465	305	122	*	*	PUNCT
fsr-3465	305	123	(	(	PUNCT
fsr-3465	305	124	0.766	0.766	NUM
fsr-3465	305	125	)	)	PUNCT
fsr-3465	305	126	�	�	PROPN
fsr-3465	305	127	2.519	2.519	NUM
fsr-3465	305	128	*	*	PUNCT
fsr-3465	305	129	*	*	PUNCT
fsr-3465	305	130	*	*	PUNCT
fsr-3465	305	131	(	(	PUNCT
fsr-3465	305	132	0.783	0.783	NUM
fsr-3465	305	133	)	)	PUNCT
fsr-3465	305	134	�	�	NOUN
fsr-3465	305	135	1.512	1.512	NUM
fsr-3465	305	136	*	*	NOUN
fsr-3465	305	137	*	*	PUNCT
fsr-3465	305	138	(	(	PUNCT
fsr-3465	305	139	0.684	0.684	NUM
fsr-3465	305	140	)	)	PUNCT
fsr-3465	305	141	income	income	NOUN
fsr-3465	305	142	0.172	0.172	NUM
fsr-3465	305	143	(	(	PUNCT
fsr-3465	305	144	0.105	0.105	NUM
fsr-3465	305	145	)	)	PUNCT
fsr-3465	305	146	0.172	0.172	NUM
fsr-3465	305	147	(	(	PUNCT
fsr-3465	305	148	0.105	0.105	NUM
fsr-3465	305	149	)	)	PUNCT
fsr-3465	305	150	0.172	0.172	NUM
fsr-3465	305	151	(	(	PUNCT
fsr-3465	305	152	0.105	0.105	NUM
fsr-3465	305	153	)	)	PUNCT
fsr-3465	305	154	0.172	0.172	NUM
fsr-3465	305	155	(	(	PUNCT
fsr-3465	305	156	0.105	0.105	NUM
fsr-3465	305	157	)	)	PUNCT
fsr-3465	305	158	ecnbusacc	ecnbusacc	VERB
fsr-3465	305	159	2.083	2.083	NUM
fsr-3465	305	160	*	*	PUNCT
fsr-3465	305	161	*	*	PUNCT
fsr-3465	305	162	*	*	PUNCT
fsr-3465	305	163	(	(	PUNCT
fsr-3465	305	164	0.279	0.279	NUM
fsr-3465	305	165	)	)	PUNCT
fsr-3465	305	166	2.084	2.084	NUM
fsr-3465	305	167	*	*	PUNCT
fsr-3465	305	168	*	*	PUNCT
fsr-3465	305	169	*	*	PUNCT
fsr-3465	305	170	(	(	PUNCT
fsr-3465	305	171	0.277	0.277	NUM
fsr-3465	305	172	)	)	PUNCT
fsr-3465	305	173	2.083	2.083	NUM
fsr-3465	305	174	*	*	PUNCT
fsr-3465	305	175	*	*	PUNCT
fsr-3465	305	176	*	*	PUNCT
fsr-3465	305	177	(	(	PUNCT
fsr-3465	305	178	0.279	0.279	NUM
fsr-3465	305	179	)	)	PUNCT
fsr-3465	305	180	2.083	2.083	NUM
fsr-3465	305	181	*	*	PUNCT
fsr-3465	305	182	*	*	PUNCT
fsr-3465	305	183	*	*	PUNCT
fsr-3465	305	184	(	(	PUNCT
fsr-3465	305	185	0.278	0.278	NUM
fsr-3465	305	186	)	)	PUNCT
fsr-3465	305	187	noretans	noretan	NOUN
fsr-3465	305	188	�	�	PROPN
fsr-3465	305	189	0.990	0.990	NUM
fsr-3465	305	190	(	(	PUNCT
fsr-3465	305	191	0.717	0.717	NUM
fsr-3465	305	192	)	)	PUNCT
fsr-3465	305	193	�	�	PROPN
fsr-3465	305	194	0.956	0.956	NUM
fsr-3465	305	195	(	(	PUNCT
fsr-3465	305	196	0.707	0.707	NUM
fsr-3465	305	197	)	)	PUNCT
fsr-3465	305	198	�	�	PROPN
fsr-3465	305	199	0.988	0.988	NUM
fsr-3465	305	200	(	(	PUNCT
fsr-3465	305	201	0.710	0.710	NUM
fsr-3465	305	202	)	)	PUNCT
fsr-3465	305	203	�	�	PROPN
fsr-3465	305	204	1.12	1.12	NUM
fsr-3465	305	205	(	(	PUNCT
fsr-3465	305	206	0.665	0.665	NUM
fsr-3465	305	207	)	)	PUNCT
fsr-3465	305	208	finserv	finserv	VERB
fsr-3465	305	209	0.127	0.127	NUM
fsr-3465	305	210	(	(	PUNCT
fsr-3465	305	211	0.346	0.346	NUM
fsr-3465	305	212	)	)	PUNCT
fsr-3465	305	213	0.126	0.126	NUM
fsr-3465	305	214	(	(	PUNCT
fsr-3465	305	215	0.344	0.344	NUM
fsr-3465	305	216	)	)	PUNCT
fsr-3465	305	217	0.127	0.127	NUM
fsr-3465	305	218	(	(	PUNCT
fsr-3465	305	219	0.342	0.342	NUM
fsr-3465	305	220	)	)	PUNCT
fsr-3465	305	221	0.131	0.131	NUM
fsr-3465	305	222	(	(	PUNCT
fsr-3465	305	223	0.349	0.349	NUM
fsr-3465	305	224	)	)	PUNCT
fsr-3465	305	225	needcog	needcog	VERB
fsr-3465	305	226	0.0456	0.0456	NUM
fsr-3465	305	227	*	*	PUNCT
fsr-3465	305	228	*	*	PUNCT
fsr-3465	305	229	*	*	PUNCT
fsr-3465	305	230	(	(	PUNCT
fsr-3465	305	231	0.0116	0.0116	NUM
fsr-3465	305	232	)	)	PUNCT
fsr-3465	305	233	0.0456	0.0456	NUM
fsr-3465	305	234	*	*	PUNCT
fsr-3465	305	235	*	*	PUNCT
fsr-3465	305	236	*	*	PUNCT
fsr-3465	305	237	(	(	PUNCT
fsr-3465	305	238	0.0115	0.0115	NUM
fsr-3465	305	239	)	)	PUNCT
fsr-3465	305	240	0.0456	0.0456	NUM
fsr-3465	305	241	*	*	PUNCT
fsr-3465	305	242	*	*	PUNCT
fsr-3465	305	243	*	*	PUNCT
fsr-3465	305	244	(	(	PUNCT
fsr-3465	305	245	0.0114	0.0114	NUM
fsr-3465	305	246	)	)	PUNCT
fsr-3465	305	247	0.0456	0.0456	NUM
fsr-3465	305	248	*	*	PUNCT
fsr-3465	305	249	*	*	PUNCT
fsr-3465	305	250	*	*	PUNCT
fsr-3465	305	251	(	(	PUNCT
fsr-3465	305	252	0.0116	0.0116	NUM
fsr-3465	305	253	)	)	PUNCT
fsr-3465	305	254	treatment	treatment	NOUN
fsr-3465	305	255	0.554	0.554	NUM
fsr-3465	305	256	(	(	PUNCT
fsr-3465	305	257	0.284	0.284	NUM
fsr-3465	305	258	)	)	PUNCT
fsr-3465	305	259	0.0233	0.0233	NUM
fsr-3465	305	260	(	(	PUNCT
fsr-3465	305	261	0.337	0.337	NUM
fsr-3465	305	262	)	)	PUNCT
fsr-3465	305	263	0.554	0.554	NUM
fsr-3465	305	264	(	(	PUNCT
fsr-3465	305	265	0.285	0.285	NUM
fsr-3465	305	266	)	)	PUNCT
fsr-3465	305	267	0.55	0.55	NUM
fsr-3465	305	268	(	(	PUNCT
fsr-3465	305	269	0.282	0.282	NUM
fsr-3465	305	270	)	)	PUNCT
fsr-3465	305	271	treat*post	treat*post	ADP
fsr-3465	305	272	1.062	1.062	NUM
fsr-3465	305	273	*	*	NOUN
fsr-3465	305	274	*	*	PUNCT
fsr-3465	305	275	(	(	PUNCT
fsr-3465	305	276	0.494	0.494	NUM
fsr-3465	305	277	)	)	PUNCT
fsr-3465	305	278	gender*post	gender*post	ADP
fsr-3465	305	279	0.880	0.880	NUM
fsr-3465	305	280	(	(	PUNCT
fsr-3465	305	281	0.543	0.543	NUM
fsr-3465	305	282	)	)	PUNCT
fsr-3465	305	283	minority*post	minority*post	NUM
fsr-3465	305	284	�	�	PROPN
fsr-3465	305	285	1.995	1.995	NUM
fsr-3465	305	286	(	(	PUNCT
fsr-3465	305	287	1.279	1.279	NUM
fsr-3465	305	288	)	)	PUNCT
fsr-3465	305	289	observations	observation	NOUN
fsr-3465	305	290	322	322	NUM
fsr-3465	305	291	322	322	NUM
fsr-3465	305	292	322	322	NUM
fsr-3465	305	293	322	322	NUM
fsr-3465	305	294	r2	r2	NOUN
fsr-3465	305	295	0.361	0.361	NUM
fsr-3465	305	296	0.370	0.370	NUM
fsr-3465	305	297	0.367	0.367	NUM
fsr-3465	305	298	0.369	0.369	NUM
fsr-3465	305	299	this	this	DET
fsr-3465	305	300	table	table	NOUN
fsr-3465	305	301	presents	present	VERB
fsr-3465	305	302	results	result	NOUN
fsr-3465	305	303	from	from	ADP
fsr-3465	305	304	estimating	estimate	VERB
fsr-3465	305	305	the	the	DET
fsr-3465	305	306	following	follow	VERB
fsr-3465	305	307	equation	equation	NOUN
fsr-3465	305	308	finlitvar	finlitvar	NOUN
fsr-3465	305	309	¼	¼	NOUN
fsr-3465	305	310	a	a	DET
fsr-3465	305	311	þ	þ	PROPN
fsr-3465	305	312	b	b	PROPN
fsr-3465	305	313	1post	1post	NUM
fsr-3465	305	314	pfp	pfp	PROPN
fsr-3465	305	315	dummy	dummy	PROPN
fsr-3465	305	316	þ	þ	PROPN
fsr-3465	305	317	b	b	PROPN
fsr-3465	306	1	2treatment	2treatment	NUM
fsr-3465	306	2	þ	þ	PROPN
fsr-3465	306	3	b	b	SYM
fsr-3465	306	4	3	3	NUM
fsr-3465	306	5	treatment	treatment	NOUN
fsr-3465	306	6	�	�	PROPN
fsr-3465	306	7	postð	postð	PROPN
fsr-3465	307	1	þ	þ	PROPN
fsr-3465	307	2	þ	þ	PROPN
fsr-3465	307	3	b	b	PROPN
fsr-3465	308	1	4gender	4gender	NUM
fsr-3465	308	2	þb	þb	NOUN
fsr-3465	308	3	5	5	NUM
fsr-3465	308	4	gender	gender	NOUN
fsr-3465	308	5	�	�	PROPN
fsr-3465	308	6	postð	postð	NOUN
fsr-3465	309	1	þ	þ	PROPN
fsr-3465	309	2	þ	þ	PROPN
fsr-3465	309	3	b	b	PROPN
fsr-3465	309	4	6minority	6minority	NUM
fsr-3465	309	5	þ	þ	NOUN
fsr-3465	309	6	b	b	SYM
fsr-3465	309	7	7	7	NUM
fsr-3465	309	8	minority	minority	NOUN
fsr-3465	309	9	�	�	PROPN
fsr-3465	309	10	postð	postð	PROPN
fsr-3465	309	11	þ	þ	NOUN
fsr-3465	309	12	þ	þ	PROPN
fsr-3465	309	13	ob	ob	X
fsr-3465	310	1	j	j	PROPN
fsr-3465	310	2	characteristicsj	characteristicsj	NOUN
fsr-3465	310	3	þ	þ	NOUN
fsr-3465	310	4	«	«	PUNCT
fsr-3465	310	5	i	i	PRON
fsr-3465	310	6	:	:	PUNCT
fsr-3465	310	7	where	where	SCONJ
fsr-3465	310	8	knowscore	knowscore	NOUN
fsr-3465	310	9	is	be	AUX
fsr-3465	310	10	the	the	DET
fsr-3465	310	11	dependent	dependent	ADJ
fsr-3465	310	12	variable	variable	NOUN
fsr-3465	310	13	.	.	PUNCT
fsr-3465	311	1	knowscore	knowscore	PROPN
fsr-3465	311	2	is	be	AUX
fsr-3465	311	3	a	a	DET
fsr-3465	311	4	student	student	NOUN
fsr-3465	311	5	’s	’s	PART
fsr-3465	311	6	score	score	NOUN
fsr-3465	311	7	on	on	ADP
fsr-3465	311	8	the	the	DET
fsr-3465	311	9	20	20	NUM
fsr-3465	311	10	question	question	NOUN
fsr-3465	311	11	knowledge	knowledge	NOUN
fsr-3465	311	12	test	test	NOUN
fsr-3465	311	13	.	.	PUNCT
fsr-3465	312	1	for	for	ADP
fsr-3465	312	2	each	each	DET
fsr-3465	312	3	respondent	respondent	NOUN
fsr-3465	312	4	in	in	ADP
fsr-3465	312	5	our	our	PRON
fsr-3465	312	6	sample	sample	NOUN
fsr-3465	312	7	there	there	PRON
fsr-3465	312	8	are	be	VERB
fsr-3465	312	9	two	two	NUM
fsr-3465	312	10	observations	observation	NOUN
fsr-3465	312	11	,	,	PUNCT
fsr-3465	312	12	one	one	NUM
fsr-3465	312	13	representing	represent	VERB
fsr-3465	312	14	the	the	DET
fsr-3465	312	15	pre	pre	ADJ
fsr-3465	312	16	-	-	ADJ
fsr-3465	312	17	seminar	seminar	ADJ
fsr-3465	312	18	survey	survey	NOUN
fsr-3465	312	19	responses	response	NOUN
fsr-3465	312	20	and	and	CCONJ
fsr-3465	312	21	the	the	DET
fsr-3465	312	22	other	other	ADJ
fsr-3465	312	23	the	the	DET
fsr-3465	312	24	post	post	ADJ
fsr-3465	312	25	-	-	ADJ
fsr-3465	312	26	seminar	seminar	ADJ
fsr-3465	312	27	responses	response	NOUN
fsr-3465	312	28	.	.	PUNCT
fsr-3465	313	1	post	post	VERB
fsr-3465	313	2	pfp	pfp	PROPN
fsr-3465	313	3	dummy	dummy	PROPN
fsr-3465	313	4	equals	equal	VERB
fsr-3465	313	5	1	1	NUM
fsr-3465	313	6	if	if	SCONJ
fsr-3465	313	7	the	the	DET
fsr-3465	313	8	observation	observation	NOUN
fsr-3465	313	9	represents	represent	VERB
fsr-3465	313	10	the	the	DET
fsr-3465	313	11	post	post	ADJ
fsr-3465	313	12	personal	personal	ADJ
fsr-3465	313	13	finance	finance	NOUN
fsr-3465	313	14	program	program	NOUN
fsr-3465	313	15	(	(	PUNCT
fsr-3465	313	16	pfp	pfp	PROPN
fsr-3465	313	17	)	)	PUNCT
fsr-3465	313	18	knowledge	knowledge	NOUN
fsr-3465	313	19	score	score	NOUN
fsr-3465	313	20	observation	observation	NOUN
fsr-3465	313	21	for	for	ADP
fsr-3465	313	22	a	a	DET
fsr-3465	313	23	student	student	NOUN
fsr-3465	313	24	and	and	CCONJ
fsr-3465	313	25	0	0	NUM
fsr-3465	313	26	otherwise	otherwise	ADV
fsr-3465	313	27	.	.	PUNCT
fsr-3465	314	1	gpa	gpa	PROPN
fsr-3465	314	2	is	be	AUX
fsr-3465	314	3	the	the	DET
fsr-3465	314	4	student	student	NOUN
fsr-3465	314	5	’s	’s	PART
fsr-3465	314	6	gpa	gpa	PROPN
fsr-3465	314	7	at	at	ADP
fsr-3465	314	8	the	the	DET
fsr-3465	314	9	end	end	NOUN
fsr-3465	314	10	of	of	ADP
fsr-3465	314	11	the	the	DET
fsr-3465	314	12	junior	junior	ADJ
fsr-3465	314	13	year	year	NOUN
fsr-3465	314	14	,	,	PUNCT
fsr-3465	314	15	on	on	ADP
fsr-3465	314	16	a	a	DET
fsr-3465	314	17	4	4	NUM
fsr-3465	314	18	-	-	PUNCT
fsr-3465	314	19	point	point	NOUN
fsr-3465	314	20	scale	scale	NOUN
fsr-3465	314	21	.	.	PUNCT
fsr-3465	315	1	gender	gender	NOUN
fsr-3465	315	2	is	be	AUX
fsr-3465	315	3	a	a	DET
fsr-3465	315	4	dummy	dummy	ADJ
fsr-3465	315	5	variable	variable	NOUN
fsr-3465	315	6	equal	equal	ADJ
fsr-3465	315	7	to	to	ADP
fsr-3465	315	8	1	1	NUM
fsr-3465	315	9	if	if	SCONJ
fsr-3465	315	10	the	the	DET
fsr-3465	315	11	student	student	NOUN
fsr-3465	315	12	is	be	AUX
fsr-3465	315	13	a	a	DET
fsr-3465	315	14	female	female	ADJ
fsr-3465	315	15	and	and	CCONJ
fsr-3465	315	16	0	0	NUM
fsr-3465	315	17	otherwise	otherwise	ADV
fsr-3465	315	18	.	.	PUNCT
fsr-3465	316	1	loanperc	loanperc	VERB
fsr-3465	316	2	and	and	CCONJ
fsr-3465	316	3	selfperc	selfperc	NOUN
fsr-3465	316	4	are	be	AUX
fsr-3465	316	5	the	the	DET
fsr-3465	316	6	percentage	percentage	NOUN
fsr-3465	316	7	of	of	ADP
fsr-3465	316	8	student	student	NOUN
fsr-3465	316	9	college	college	NOUN
fsr-3465	316	10	cost	cost	NOUN
fsr-3465	316	11	paid	pay	VERB
fsr-3465	316	12	for	for	ADP
fsr-3465	316	13	with	with	ADP
fsr-3465	316	14	debt	debt	NOUN
fsr-3465	316	15	or	or	CCONJ
fsr-3465	316	16	by	by	ADP
fsr-3465	316	17	the	the	DET
fsr-3465	316	18	student	student	NOUN
fsr-3465	316	19	.	.	PUNCT
fsr-3465	317	1	minority	minority	NOUN
fsr-3465	317	2	is	be	AUX
fsr-3465	317	3	a	a	DET
fsr-3465	317	4	dummy	dummy	NOUN
fsr-3465	317	5	equal	equal	ADJ
fsr-3465	317	6	to	to	ADP
fsr-3465	317	7	1	1	NUM
fsr-3465	317	8	if	if	SCONJ
fsr-3465	317	9	the	the	DET
fsr-3465	317	10	student	student	NOUN
fsr-3465	317	11	identified	identify	VERB
fsr-3465	317	12	as	as	ADP
fsr-3465	317	13	a	a	DET
fsr-3465	317	14	minority	minority	NOUN
fsr-3465	317	15	and	and	CCONJ
fsr-3465	317	16	0	0	NUM
fsr-3465	317	17	otherwise	otherwise	ADV
fsr-3465	317	18	.	.	PUNCT
fsr-3465	318	1	income	income	NOUN
fsr-3465	318	2	is	be	AUX
fsr-3465	318	3	a	a	DET
fsr-3465	318	4	variable	variable	NOUN
fsr-3465	318	5	ranging	range	VERB
fsr-3465	318	6	from	from	ADP
fsr-3465	318	7	1	1	NUM
fsr-3465	318	8	(	(	PUNCT
fsr-3465	318	9	low	low	ADJ
fsr-3465	318	10	)	)	PUNCT
fsr-3465	318	11	to	to	ADP
fsr-3465	318	12	6	6	NUM
fsr-3465	318	13	(	(	PUNCT
fsr-3465	318	14	high	high	ADJ
fsr-3465	318	15	)	)	PUNCT
fsr-3465	318	16	capturing	capture	VERB
fsr-3465	318	17	the	the	DET
fsr-3465	318	18	student	student	NOUN
fsr-3465	318	19	’s	’s	PART
fsr-3465	318	20	household	household	NOUN
fsr-3465	318	21	income	income	NOUN
fsr-3465	318	22	.	.	PUNCT
fsr-3465	319	1	ecnbusacc	ecnbusacc	PROPN
fsr-3465	319	2	is	be	AUX
fsr-3465	319	3	a	a	DET
fsr-3465	319	4	dummy	dummy	ADJ
fsr-3465	319	5	equal	equal	ADJ
fsr-3465	319	6	to	to	ADP
fsr-3465	319	7	1	1	NUM
fsr-3465	319	8	if	if	SCONJ
fsr-3465	319	9	the	the	DET
fsr-3465	319	10	student	student	NOUN
fsr-3465	319	11	is	be	AUX
fsr-3465	319	12	an	an	DET
fsr-3465	319	13	economics	economic	NOUN
fsr-3465	319	14	,	,	PUNCT
fsr-3465	319	15	business	business	NOUN
fsr-3465	319	16	,	,	PUNCT
fsr-3465	319	17	or	or	CCONJ
fsr-3465	319	18	accounting	account	VERB
fsr-3465	319	19	major	major	ADJ
fsr-3465	319	20	and	and	CCONJ
fsr-3465	319	21	0	0	NUM
fsr-3465	319	22	otherwise	otherwise	ADV
fsr-3465	319	23	.	.	PUNCT
fsr-3465	320	1	noretans	noretan	NOUN
fsr-3465	320	2	is	be	AUX
fsr-3465	320	3	a	a	DET
fsr-3465	320	4	dummy	dummy	ADJ
fsr-3465	320	5	equal	equal	ADJ
fsr-3465	320	6	to	to	ADP
fsr-3465	320	7	1	1	NUM
fsr-3465	320	8	if	if	SCONJ
fsr-3465	320	9	the	the	DET
fsr-3465	320	10	student	student	NOUN
fsr-3465	320	11	did	do	AUX
fsr-3465	320	12	not	not	PART
fsr-3465	320	13	answer	answer	VERB
fsr-3465	320	14	the	the	DET
fsr-3465	320	15	question	question	NOUN
fsr-3465	320	16	“	"	PUNCT
fsr-3465	320	17	how	how	SCONJ
fsr-3465	320	18	much	much	ADJ
fsr-3465	320	19	do	do	AUX
fsr-3465	320	20	you	you	PRON
fsr-3465	320	21	think	think	VERB
fsr-3465	320	22	you	you	PRON
fsr-3465	320	23	will	will	AUX
fsr-3465	320	24	need	need	VERB
fsr-3465	320	25	to	to	PART
fsr-3465	320	26	retire	retire	VERB
fsr-3465	320	27	?	?	PUNCT
fsr-3465	320	28	”	"	PUNCT
fsr-3465	321	1	and	and	CCONJ
fsr-3465	321	2	0	0	NUM
fsr-3465	321	3	otherwise	otherwise	ADV
fsr-3465	321	4	.	.	PUNCT
fsr-3465	322	1	finserv	finserv	PROPN
fsr-3465	322	2	is	be	AUX
fsr-3465	322	3	a	a	DET
fsr-3465	322	4	dummy	dummy	ADJ
fsr-3465	322	5	equal	equal	ADJ
fsr-3465	322	6	to	to	ADP
fsr-3465	322	7	1	1	NUM
fsr-3465	322	8	if	if	SCONJ
fsr-3465	322	9	one	one	NUM
fsr-3465	322	10	or	or	CCONJ
fsr-3465	322	11	both	both	PRON
fsr-3465	322	12	of	of	ADP
fsr-3465	322	13	a	a	DET
fsr-3465	322	14	student	student	NOUN
fsr-3465	322	15	’s	’s	PART
fsr-3465	322	16	parents	parent	NOUN
fsr-3465	322	17	work	work	VERB
fsr-3465	322	18	in	in	ADP
fsr-3465	322	19	the	the	DET
fsr-3465	322	20	financial	financial	ADJ
fsr-3465	322	21	services	service	NOUN
fsr-3465	322	22	industry	industry	NOUN
fsr-3465	322	23	and	and	CCONJ
fsr-3465	322	24	0	0	NUM
fsr-3465	322	25	otherwise	otherwise	ADV
fsr-3465	322	26	.	.	PUNCT
fsr-3465	323	1	needcog	needcog	PROPN
fsr-3465	323	2	is	be	AUX
fsr-3465	323	3	a	a	DET
fsr-3465	323	4	composite	composite	ADJ
fsr-3465	323	5	measure	measure	NOUN
fsr-3465	323	6	ranging	range	VERB
fsr-3465	323	7	from	from	ADP
fsr-3465	323	8	0	0	NUM
fsr-3465	323	9	-	-	SYM
fsr-3465	323	10	90	90	NUM
fsr-3465	323	11	that	that	PRON
fsr-3465	323	12	captures	capture	VERB
fsr-3465	323	13	a	a	DET
fsr-3465	323	14	student	student	NOUN
fsr-3465	323	15	’s	’s	PART
fsr-3465	323	16	propensity	propensity	NOUN
fsr-3465	323	17	to	to	PART
fsr-3465	323	18	engage	engage	VERB
fsr-3465	323	19	cognitive	cognitive	ADJ
fsr-3465	323	20	activities	activity	NOUN
fsr-3465	323	21	.	.	PUNCT
fsr-3465	324	1	treatment	treatment	NOUN
fsr-3465	324	2	is	be	AUX
fsr-3465	324	3	equal	equal	ADJ
fsr-3465	324	4	to	to	ADP
fsr-3465	324	5	1	1	NUM
fsr-3465	324	6	if	if	SCONJ
fsr-3465	324	7	the	the	DET
fsr-3465	324	8	student	student	NOUN
fsr-3465	324	9	participates	participate	VERB
fsr-3465	324	10	in	in	ADP
fsr-3465	324	11	pfp	pfp	PROPN
fsr-3465	324	12	and	and	CCONJ
fsr-3465	324	13	0	0	NUM
fsr-3465	324	14	otherwise	otherwise	ADV
fsr-3465	324	15	.	.	PUNCT
fsr-3465	325	1	treat*post	treat*post	ADV
fsr-3465	325	2	,	,	PUNCT
fsr-3465	325	3	gender*post	gender*post	ADJ
fsr-3465	325	4	,	,	PUNCT
fsr-3465	325	5	and	and	CCONJ
fsr-3465	325	6	minority*post	minority*post	NOUN
fsr-3465	325	7	are	be	AUX
fsr-3465	325	8	interaction	interaction	NOUN
fsr-3465	325	9	terms	term	NOUN
fsr-3465	325	10	between	between	ADP
fsr-3465	325	11	treatment	treatment	NOUN
fsr-3465	325	12	,	,	PUNCT
fsr-3465	325	13	gender	gender	NOUN
fsr-3465	325	14	,	,	PUNCT
fsr-3465	325	15	minority	minority	NOUN
fsr-3465	325	16	,	,	PUNCT
fsr-3465	325	17	and	and	CCONJ
fsr-3465	325	18	post	post	VERB
fsr-3465	325	19	pfp	pfp	PROPN
fsr-3465	325	20	dummy	dummy	NOUN
fsr-3465	325	21	.	.	PUNCT
fsr-3465	326	1	note	note	NOUN
fsr-3465	326	2	:	:	PUNCT
fsr-3465	326	3	robust	robust	ADJ
fsr-3465	326	4	standard	standard	ADJ
fsr-3465	326	5	errors	error	NOUN
fsr-3465	326	6	in	in	ADP
fsr-3465	326	7	parentheses	parenthesis	NOUN
fsr-3465	326	8	.	.	PUNCT
fsr-3465	327	1	*	*	PUNCT
fsr-3465	328	1	*	*	PUNCT
fsr-3465	328	2	*	*	PUNCT
fsr-3465	328	3	p	p	X
fsr-3465	328	4	<	<	X
fsr-3465	328	5	0.01	0.01	NUM
fsr-3465	328	6	,	,	PUNCT
fsr-3465	328	7	*	*	PUNCT
fsr-3465	328	8	*	*	PUNCT
fsr-3465	328	9	p	p	X
fsr-3465	328	10	<	<	X
fsr-3465	328	11	0.05	0.05	NUM
fsr-3465	328	12	.	.	PUNCT
fsr-3465	329	1	j.	j.	PROPN
fsr-3465	329	2	handy	handy	PROPN
fsr-3465	329	3	et	et	PROPN
fsr-3465	329	4	al	al	PROPN
fsr-3465	329	5	.	.	PUNCT
fsr-3465	329	6	/	/	SYM
fsr-3465	329	7	financial	financial	ADJ
fsr-3465	329	8	services	service	NOUN
fsr-3465	329	9	review	review	VERB
fsr-3465	329	10	29	29	NUM
fsr-3465	329	11	(	(	PUNCT
fsr-3465	329	12	2021	2021	NUM
fsr-3465	329	13	)	)	PUNCT
fsr-3465	330	1	315–341	315–341	NUM
fsr-3465	330	2	327	327	NUM
fsr-3465	330	3	student	student	NOUN
fsr-3465	330	4	major	major	NOUN
fsr-3465	330	5	has	have	VERB
fsr-3465	330	6	no	no	DET
fsr-3465	330	7	impact	impact	NOUN
fsr-3465	330	8	on	on	ADP
fsr-3465	330	9	the	the	DET
fsr-3465	330	10	choice	choice	NOUN
fsr-3465	330	11	to	to	PART
fsr-3465	330	12	participate	participate	VERB
fsr-3465	330	13	in	in	ADP
fsr-3465	330	14	the	the	DET
fsr-3465	330	15	pfp	pfp	PROPN
fsr-3465	330	16	.	.	PUNCT
fsr-3465	331	1	neither	neither	CCONJ
fsr-3465	331	2	the	the	DET
fsr-3465	331	3	proportion	proportion	NOUN
fsr-3465	331	4	of	of	ADP
fsr-3465	331	5	debt	debt	NOUN
fsr-3465	331	6	or	or	CCONJ
fsr-3465	331	7	self	self	NOUN
fsr-3465	331	8	-	-	PUNCT
fsr-3465	331	9	funding	funding	NOUN
fsr-3465	331	10	by	by	ADP
fsr-3465	331	11	the	the	DET
fsr-3465	331	12	student	student	NOUN
fsr-3465	331	13	predicts	predict	VERB
fsr-3465	331	14	participation	participation	NOUN
fsr-3465	331	15	.	.	PUNCT
fsr-3465	332	1	there	there	PRON
fsr-3465	332	2	is	be	VERB
fsr-3465	332	3	no	no	DET
fsr-3465	332	4	evidence	evidence	NOUN
fsr-3465	332	5	that	that	SCONJ
fsr-3465	332	6	minorities	minority	NOUN
fsr-3465	332	7	are	be	AUX
fsr-3465	332	8	more	more	ADV
fsr-3465	332	9	or	or	CCONJ
fsr-3465	332	10	less	less	ADV
fsr-3465	332	11	likely	likely	ADJ
fsr-3465	332	12	to	to	PART
fsr-3465	332	13	take	take	VERB
fsr-3465	332	14	the	the	DET
fsr-3465	332	15	pfp	pfp	PROPN
fsr-3465	332	16	.	.	PUNCT
fsr-3465	333	1	household	household	NOUN
fsr-3465	333	2	income	income	NOUN
fsr-3465	333	3	(	(	PUNCT
fsr-3465	333	4	income	income	NOUN
fsr-3465	333	5	)	)	PUNCT
fsr-3465	333	6	,	,	PUNCT
fsr-3465	333	7	need	need	VERB
fsr-3465	333	8	for	for	ADP
fsr-3465	333	9	cognition	cognition	NOUN
fsr-3465	333	10	(	(	PUNCT
fsr-3465	333	11	needcog	needcog	VERB
fsr-3465	333	12	)	)	PUNCT
fsr-3465	333	13	,	,	PUNCT
fsr-3465	333	14	and	and	CCONJ
fsr-3465	333	15	having	have	VERB
fsr-3465	333	16	one	one	NUM
fsr-3465	333	17	or	or	CCONJ
fsr-3465	333	18	both	both	DET
fsr-3465	333	19	parents	parent	NOUN
fsr-3465	333	20	that	that	PRON
fsr-3465	333	21	work	work	VERB
fsr-3465	333	22	in	in	ADP
fsr-3465	333	23	the	the	DET
fsr-3465	333	24	financial	financial	ADJ
fsr-3465	333	25	services	service	NOUN
fsr-3465	333	26	industry	industry	NOUN
fsr-3465	333	27	(	(	PUNCT
fsr-3465	333	28	finserv	finserv	PROPN
fsr-3465	333	29	)	)	PUNCT
fsr-3465	333	30	are	be	AUX
fsr-3465	333	31	not	not	PART
fsr-3465	333	32	correlated	correlate	VERB
fsr-3465	333	33	with	with	ADP
fsr-3465	333	34	student	student	NOUN
fsr-3465	333	35	attendance	attendance	NOUN
fsr-3465	333	36	.	.	PUNCT
fsr-3465	334	1	students	student	NOUN
fsr-3465	334	2	who	who	PRON
fsr-3465	334	3	did	do	AUX
fsr-3465	334	4	not	not	PART
fsr-3465	334	5	answer	answer	VERB
fsr-3465	334	6	the	the	DET
fsr-3465	334	7	question	question	NOUN
fsr-3465	334	8	about	about	ADP
fsr-3465	334	9	how	how	SCONJ
fsr-3465	334	10	much	much	ADV
fsr-3465	334	11	they	they	PRON
fsr-3465	334	12	thought	think	VERB
fsr-3465	334	13	they	they	PRON
fsr-3465	334	14	would	would	AUX
fsr-3465	334	15	need	need	VERB
fsr-3465	334	16	to	to	PART
fsr-3465	334	17	retire	retire	VERB
fsr-3465	334	18	(	(	PUNCT
fsr-3465	334	19	noretans	noretan	NOUN
fsr-3465	334	20	)	)	PUNCT
fsr-3465	334	21	are	be	AUX
fsr-3465	334	22	significantly	significantly	ADV
fsr-3465	334	23	(	(	PUNCT
fsr-3465	334	24	at	at	ADP
fsr-3465	334	25	the	the	DET
fsr-3465	334	26	1	1	NUM
fsr-3465	334	27	%	%	NOUN
fsr-3465	334	28	level	level	NOUN
fsr-3465	334	29	)	)	PUNCT
fsr-3465	334	30	less	less	ADV
fsr-3465	334	31	likely	likely	ADJ
fsr-3465	334	32	to	to	PART
fsr-3465	334	33	participate	participate	VERB
fsr-3465	334	34	in	in	ADP
fsr-3465	334	35	the	the	DET
fsr-3465	334	36	program	program	NOUN
fsr-3465	334	37	.	.	PUNCT
fsr-3465	335	1	if	if	SCONJ
fsr-3465	335	2	,	,	PUNCT
fsr-3465	335	3	as	as	SCONJ
fsr-3465	335	4	the	the	DET
fsr-3465	335	5	authors	author	NOUN
fsr-3465	335	6	suspect	suspect	VERB
fsr-3465	335	7	,	,	PUNCT
fsr-3465	335	8	the	the	DET
fsr-3465	335	9	students	student	NOUN
fsr-3465	335	10	who	who	PRON
fsr-3465	335	11	meet	meet	VERB
fsr-3465	335	12	these	these	DET
fsr-3465	335	13	criteria	criterion	NOUN
fsr-3465	335	14	are	be	AUX
fsr-3465	335	15	less	less	ADV
fsr-3465	335	16	knowledgeable	knowledgeable	ADJ
fsr-3465	335	17	,	,	PUNCT
fsr-3465	335	18	yet	yet	CCONJ
fsr-3465	335	19	are	be	AUX
fsr-3465	335	20	more	more	ADV
fsr-3465	335	21	confident	confident	ADJ
fsr-3465	335	22	in	in	ADP
fsr-3465	335	23	their	their	PRON
fsr-3465	335	24	ability	ability	NOUN
fsr-3465	335	25	to	to	PART
fsr-3465	335	26	manage	manage	VERB
fsr-3465	335	27	their	their	PRON
fsr-3465	335	28	financial	financial	ADJ
fsr-3465	335	29	future	future	NOUN
fsr-3465	335	30	,	,	PUNCT
fsr-3465	335	31	then	then	ADV
fsr-3465	335	32	it	it	PRON
fsr-3465	335	33	presents	present	VERB
fsr-3465	335	34	a	a	DET
fsr-3465	335	35	challenge	challenge	NOUN
fsr-3465	335	36	to	to	PART
fsr-3465	335	37	identify	identify	VERB
fsr-3465	335	38	these	these	DET
fsr-3465	335	39	students	student	NOUN
fsr-3465	335	40	and	and	CCONJ
fsr-3465	335	41	encourage	encourage	VERB
fsr-3465	335	42	participation	participation	NOUN
fsr-3465	335	43	.	.	PUNCT
fsr-3465	336	1	while	while	SCONJ
fsr-3465	336	2	experiencing	experience	VERB
fsr-3465	336	3	a	a	DET
fsr-3465	336	4	recent	recent	ADJ
fsr-3465	336	5	table	table	NOUN
fsr-3465	336	6	4	4	NUM
fsr-3465	336	7	financial	financial	ADJ
fsr-3465	336	8	knowledgescore	knowledgescore	NOUN
fsr-3465	336	9	and	and	CCONJ
fsr-3465	336	10	pfp	pfp	PROPN
fsr-3465	336	11	participation	participation	NOUN
fsr-3465	336	12	variables	variable	NOUN
fsr-3465	336	13	(	(	PUNCT
fsr-3465	336	14	1	1	NUM
fsr-3465	336	15	)	)	PUNCT
fsr-3465	336	16	(	(	PUNCT
fsr-3465	336	17	2	2	NUM
fsr-3465	336	18	)	)	PUNCT
fsr-3465	336	19	(	(	PUNCT
fsr-3465	336	20	3	3	X
fsr-3465	336	21	)	)	PUNCT
fsr-3465	336	22	post	post	NOUN
fsr-3465	336	23	pfp	pfp	PROPN
fsr-3465	336	24	dummy	dummy	PROPN
fsr-3465	336	25	0.113	0.113	NUM
fsr-3465	336	26	(	(	PUNCT
fsr-3465	336	27	0.352	0.352	NUM
fsr-3465	336	28	)	)	PUNCT
fsr-3465	336	29	0.510	0.510	NUM
fsr-3465	336	30	*	*	PUNCT
fsr-3465	336	31	*	*	PUNCT
fsr-3465	336	32	(	(	PUNCT
fsr-3465	336	33	0.257	0.257	NUM
fsr-3465	336	34	)	)	PUNCT
fsr-3465	336	35	0.117	0.117	NUM
fsr-3465	336	36	(	(	PUNCT
fsr-3465	336	37	0.351	0.351	NUM
fsr-3465	336	38	)	)	PUNCT
fsr-3465	336	39	gpa	gpa	PROPN
fsr-3465	336	40	1.091	1.091	NUM
fsr-3465	336	41	*	*	PUNCT
fsr-3465	336	42	*	*	PUNCT
fsr-3465	336	43	*	*	PUNCT
fsr-3465	336	44	(	(	PUNCT
fsr-3465	336	45	0.359	0.359	NUM
fsr-3465	336	46	)	)	PUNCT
fsr-3465	336	47	1.133	1.133	NUM
fsr-3465	336	48	*	*	PUNCT
fsr-3465	336	49	*	*	PUNCT
fsr-3465	336	50	*	*	PUNCT
fsr-3465	336	51	(	(	PUNCT
fsr-3465	336	52	0.358	0.358	NUM
fsr-3465	336	53	)	)	PUNCT
fsr-3465	336	54	1.126	1.126	NUM
fsr-3465	336	55	*	*	PUNCT
fsr-3465	336	56	*	*	PUNCT
fsr-3465	336	57	*	*	PUNCT
fsr-3465	336	58	(	(	PUNCT
fsr-3465	336	59	0.357	0.357	NUM
fsr-3465	336	60	)	)	PUNCT
fsr-3465	336	61	gender	gender	NOUN
fsr-3465	336	62	�	�	PROPN
fsr-3465	336	63	1.088	1.088	NUM
fsr-3465	336	64	*	*	PUNCT
fsr-3465	336	65	*	*	PUNCT
fsr-3465	336	66	*	*	PUNCT
fsr-3465	336	67	(	(	PUNCT
fsr-3465	336	68	0.337	0.337	NUM
fsr-3465	336	69	)	)	PUNCT
fsr-3465	336	70	�	�	NOUN
fsr-3465	336	71	0.973	0.973	NUM
fsr-3465	336	72	*	*	PUNCT
fsr-3465	336	73	*	*	PUNCT
fsr-3465	336	74	*	*	PUNCT
fsr-3465	336	75	(	(	PUNCT
fsr-3465	336	76	0.286	0.286	NUM
fsr-3465	336	77	)	)	PUNCT
fsr-3465	336	78	�	�	NOUN
fsr-3465	336	79	1.118	1.118	NUM
fsr-3465	336	80	*	*	PUNCT
fsr-3465	336	81	*	*	PUNCT
fsr-3465	336	82	*	*	PUNCT
fsr-3465	336	83	(	(	PUNCT
fsr-3465	336	84	0.335	0.335	NUM
fsr-3465	336	85	)	)	PUNCT
fsr-3465	336	86	loanperc	loanperc	PROPN
fsr-3465	336	87	�	�	PROPN
fsr-3465	336	88	0.166	0.166	NUM
fsr-3465	336	89	(	(	PUNCT
fsr-3465	336	90	0.865	0.865	NUM
fsr-3465	336	91	)	)	PUNCT
fsr-3465	336	92	�	�	PROPN
fsr-3465	336	93	0.153	0.153	NUM
fsr-3465	336	94	(	(	PUNCT
fsr-3465	336	95	0.870	0.870	NUM
fsr-3465	336	96	)	)	PUNCT
fsr-3465	336	97	�	�	PROPN
fsr-3465	336	98	0.0933	0.0933	NUM
fsr-3465	336	99	(	(	PUNCT
fsr-3465	336	100	0.862	0.862	NUM
fsr-3465	336	101	)	)	PUNCT
fsr-3465	336	102	selfperc	selfperc	NOUN
fsr-3465	336	103	�	�	PROPN
fsr-3465	336	104	0.184	0.184	NUM
fsr-3465	336	105	(	(	PUNCT
fsr-3465	336	106	1.962	1.962	NUM
fsr-3465	336	107	)	)	PUNCT
fsr-3465	336	108	�	�	NOUN
fsr-3465	336	109	0.107	0.107	NUM
fsr-3465	336	110	(	(	PUNCT
fsr-3465	336	111	2.045	2.045	NUM
fsr-3465	336	112	)	)	PUNCT
fsr-3465	336	113	�	�	PROPN
fsr-3465	336	114	0.271	0.271	NUM
fsr-3465	336	115	(	(	PUNCT
fsr-3465	336	116	1.998	1.998	NUM
fsr-3465	336	117	)	)	PUNCT
fsr-3465	336	118	minority	minority	NOUN
fsr-3465	336	119	�	�	NOUN
fsr-3465	336	120	2.509	2.509	NUM
fsr-3465	336	121	*	*	NOUN
fsr-3465	336	122	*	*	PUNCT
fsr-3465	336	123	*	*	PUNCT
fsr-3465	336	124	(	(	PUNCT
fsr-3465	336	125	0.771	0.771	NUM
fsr-3465	336	126	)	)	PUNCT
fsr-3465	336	127	�	�	PROPN
fsr-3465	336	128	3.008	3.008	NUM
fsr-3465	336	129	*	*	PUNCT
fsr-3465	336	130	*	*	PUNCT
fsr-3465	336	131	*	*	PUNCT
fsr-3465	336	132	(	(	PUNCT
fsr-3465	336	133	0.902	0.902	NUM
fsr-3465	336	134	)	)	PUNCT
fsr-3465	336	135	�	�	NOUN
fsr-3465	336	136	2.939	2.939	NUM
fsr-3465	336	137	*	*	PUNCT
fsr-3465	336	138	*	*	PUNCT
fsr-3465	336	139	*	*	PUNCT
fsr-3465	336	140	(	(	PUNCT
fsr-3465	336	141	0.897	0.897	NUM
fsr-3465	336	142	)	)	PUNCT
fsr-3465	336	143	income	income	NOUN
fsr-3465	336	144	0.169	0.169	NUM
fsr-3465	336	145	(	(	PUNCT
fsr-3465	336	146	0.105	0.105	NUM
fsr-3465	336	147	)	)	PUNCT
fsr-3465	336	148	0.172	0.172	NUM
fsr-3465	336	149	(	(	PUNCT
fsr-3465	336	150	0.104	0.104	NUM
fsr-3465	336	151	)	)	PUNCT
fsr-3465	336	152	0.168	0.168	NUM
fsr-3465	336	153	(	(	PUNCT
fsr-3465	336	154	0.104	0.104	NUM
fsr-3465	336	155	)	)	PUNCT
fsr-3465	336	156	ecnbusacc	ecnbusacc	VERB
fsr-3465	336	157	2.078	2.078	NUM
fsr-3465	336	158	*	*	PUNCT
fsr-3465	336	159	*	*	PUNCT
fsr-3465	336	160	*	*	PUNCT
fsr-3465	336	161	(	(	PUNCT
fsr-3465	336	162	0.277	0.277	NUM
fsr-3465	336	163	)	)	PUNCT
fsr-3465	336	164	2.095	2.095	NUM
fsr-3465	336	165	*	*	PUNCT
fsr-3465	336	166	*	*	PUNCT
fsr-3465	336	167	*	*	PUNCT
fsr-3465	336	168	(	(	PUNCT
fsr-3465	336	169	0.279	0.279	NUM
fsr-3465	336	170	)	)	PUNCT
fsr-3465	336	171	2.088	2.088	NUM
fsr-3465	336	172	*	*	PUNCT
fsr-3465	336	173	*	*	PUNCT
fsr-3465	336	174	*	*	PUNCT
fsr-3465	336	175	(	(	PUNCT
fsr-3465	336	176	0.277	0.277	NUM
fsr-3465	336	177	)	)	PUNCT
fsr-3465	336	178	noretans	noretan	VERB
fsr-3465	336	179	�	�	PROPN
fsr-3465	336	180	0.935	0.935	NUM
fsr-3465	336	181	(	(	PUNCT
fsr-3465	336	182	0.705	0.705	NUM
fsr-3465	336	183	)	)	PUNCT
fsr-3465	336	184	�	�	NOUN
fsr-3465	336	185	0.926	0.926	NUM
fsr-3465	336	186	(	(	PUNCT
fsr-3465	336	187	0.743	0.743	NUM
fsr-3465	336	188	)	)	PUNCT
fsr-3465	336	189	�	�	PROPN
fsr-3465	336	190	0.879	0.879	NUM
fsr-3465	336	191	(	(	PUNCT
fsr-3465	336	192	0.731	0.731	NUM
fsr-3465	336	193	)	)	PUNCT
fsr-3465	336	194	finserv	finserv	NOUN
fsr-3465	336	195	0.135	0.135	NUM
fsr-3465	336	196	(	(	PUNCT
fsr-3465	336	197	0.342	0.342	NUM
fsr-3465	336	198	)	)	PUNCT
fsr-3465	336	199	0.0928	0.0928	NUM
fsr-3465	336	200	(	(	PUNCT
fsr-3465	336	201	0.347	0.347	NUM
fsr-3465	336	202	)	)	PUNCT
fsr-3465	336	203	0.107	0.107	NUM
fsr-3465	336	204	(	(	PUNCT
fsr-3465	336	205	0.342	0.342	NUM
fsr-3465	336	206	)	)	PUNCT
fsr-3465	336	207	needcog	needcog	VERB
fsr-3465	336	208	0.0461	0.0461	NUM
fsr-3465	336	209	*	*	PUNCT
fsr-3465	336	210	*	*	PUNCT
fsr-3465	336	211	*	*	PUNCT
fsr-3465	336	212	(	(	PUNCT
fsr-3465	336	213	0.0115	0.0115	NUM
fsr-3465	336	214	)	)	PUNCT
fsr-3465	336	215	0.0445	0.0445	NUM
fsr-3465	336	216	*	*	PUNCT
fsr-3465	337	1	*	*	PUNCT
fsr-3465	337	2	*	*	PUNCT
fsr-3465	337	3	(	(	PUNCT
fsr-3465	337	4	0.0116	0.0116	NUM
fsr-3465	337	5	)	)	PUNCT
fsr-3465	337	6	0.0453	0.0453	NUM
fsr-3465	337	7	*	*	PUNCT
fsr-3465	337	8	*	*	PUNCT
fsr-3465	337	9	*	*	PUNCT
fsr-3465	337	10	(	(	PUNCT
fsr-3465	337	11	0.0115	0.0115	NUM
fsr-3465	337	12	)	)	PUNCT
fsr-3465	337	13	treatment	treatment	NOUN
fsr-3465	337	14	0.0370	0.0370	NUM
fsr-3465	337	15	(	(	PUNCT
fsr-3465	337	16	0.339	0.339	NUM
fsr-3465	337	17	)	)	PUNCT
fsr-3465	337	18	0.479	0.479	NUM
fsr-3465	337	19	(	(	PUNCT
fsr-3465	337	20	0.278	0.278	NUM
fsr-3465	337	21	)	)	PUNCT
fsr-3465	337	22	0.0406	0.0406	NUM
fsr-3465	337	23	(	(	PUNCT
fsr-3465	337	24	0.342	0.342	NUM
fsr-3465	337	25	)	)	PUNCT
fsr-3465	338	1	fem*treat*post	fem*treat*post	ADP
fsr-3465	338	2	1.196	1.196	NUM
fsr-3465	338	3	*	*	NOUN
fsr-3465	338	4	*	*	PUNCT
fsr-3465	338	5	(	(	PUNCT
fsr-3465	338	6	0.530	0.530	NUM
fsr-3465	338	7	)	)	PUNCT
fsr-3465	338	8	1.090	1.090	NUM
fsr-3465	338	9	*	*	PUNCT
fsr-3465	338	10	*	*	PUNCT
fsr-3465	338	11	(	(	PUNCT
fsr-3465	338	12	0.532	0.532	NUM
fsr-3465	338	13	)	)	PUNCT
fsr-3465	338	14	male*treat*post	male*treat*post	NOUN
fsr-3465	338	15	0.648	0.648	NUM
fsr-3465	338	16	(	(	PUNCT
fsr-3465	338	17	0.629	0.629	NUM
fsr-3465	338	18	)	)	PUNCT
fsr-3465	338	19	0.427	0.427	NUM
fsr-3465	338	20	(	(	PUNCT
fsr-3465	338	21	0.630	0.630	NUM
fsr-3465	338	22	)	)	PUNCT
fsr-3465	338	23	minority*treat*post	minority*treat*post	NOUN
fsr-3465	338	24	2.137	2.137	NUM
fsr-3465	338	25	*	*	NOUN
fsr-3465	338	26	*	*	PUNCT
fsr-3465	338	27	(	(	PUNCT
fsr-3465	338	28	1.007	1.007	NUM
fsr-3465	338	29	)	)	PUNCT
fsr-3465	338	30	1.889	1.889	NUM
fsr-3465	338	31	(	(	PUNCT
fsr-3465	338	32	0.997	0.997	NUM
fsr-3465	338	33	)	)	PUNCT
fsr-3465	338	34	observations	observation	NOUN
fsr-3465	338	35	322	322	NUM
fsr-3465	338	36	322	322	NUM
fsr-3465	338	37	322	322	NUM
fsr-3465	338	38	r2	r2	NOUN
fsr-3465	338	39	0.372	0.372	NUM
fsr-3465	338	40	0.368	0.368	NUM
fsr-3465	338	41	0.377	0.377	NUM
fsr-3465	338	42	this	this	DET
fsr-3465	338	43	table	table	NOUN
fsr-3465	338	44	presents	present	VERB
fsr-3465	338	45	results	result	NOUN
fsr-3465	338	46	from	from	ADP
fsr-3465	338	47	estimating	estimate	VERB
fsr-3465	338	48	eq	eq	ADP
fsr-3465	338	49	.	.	PUNCT
fsr-3465	339	1	(	(	PUNCT
fsr-3465	339	2	1	1	X
fsr-3465	339	3	)	)	PUNCT
fsr-3465	339	4	where	where	SCONJ
fsr-3465	339	5	knowscore	knowscore	NOUN
fsr-3465	339	6	is	be	AUX
fsr-3465	339	7	the	the	DET
fsr-3465	339	8	dependent	dependent	ADJ
fsr-3465	339	9	variable	variable	NOUN
fsr-3465	339	10	.	.	PUNCT
fsr-3465	340	1	knowscore	knowscore	PROPN
fsr-3465	340	2	is	be	AUX
fsr-3465	340	3	a	a	DET
fsr-3465	340	4	student	student	NOUN
fsr-3465	340	5	’s	’s	PART
fsr-3465	340	6	score	score	NOUN
fsr-3465	340	7	on	on	ADP
fsr-3465	340	8	the	the	DET
fsr-3465	340	9	20	20	NUM
fsr-3465	340	10	question	question	NOUN
fsr-3465	340	11	knowledge	knowledge	NOUN
fsr-3465	340	12	test	test	NOUN
fsr-3465	340	13	.	.	PUNCT
fsr-3465	341	1	for	for	ADP
fsr-3465	341	2	each	each	DET
fsr-3465	341	3	respondent	respondent	NOUN
fsr-3465	341	4	in	in	ADP
fsr-3465	341	5	our	our	PRON
fsr-3465	341	6	sample	sample	NOUN
fsr-3465	341	7	there	there	PRON
fsr-3465	341	8	are	be	VERB
fsr-3465	341	9	two	two	NUM
fsr-3465	341	10	observations	observation	NOUN
fsr-3465	341	11	,	,	PUNCT
fsr-3465	341	12	one	one	NUM
fsr-3465	341	13	representing	represent	VERB
fsr-3465	341	14	the	the	DET
fsr-3465	341	15	pre	pre	ADJ
fsr-3465	341	16	-	-	ADJ
fsr-3465	341	17	seminar	seminar	ADJ
fsr-3465	341	18	survey	survey	NOUN
fsr-3465	341	19	responses	response	NOUN
fsr-3465	341	20	and	and	CCONJ
fsr-3465	341	21	the	the	DET
fsr-3465	341	22	other	other	ADJ
fsr-3465	341	23	the	the	DET
fsr-3465	341	24	post	post	ADJ
fsr-3465	341	25	-	-	ADJ
fsr-3465	341	26	seminar	seminar	ADJ
fsr-3465	341	27	responses	response	NOUN
fsr-3465	341	28	.	.	PUNCT
fsr-3465	342	1	post	post	VERB
fsr-3465	342	2	pfp	pfp	PROPN
fsr-3465	342	3	dummy	dummy	PROPN
fsr-3465	342	4	equals	equal	VERB
fsr-3465	342	5	1	1	NUM
fsr-3465	342	6	if	if	SCONJ
fsr-3465	342	7	the	the	DET
fsr-3465	342	8	observation	observation	NOUN
fsr-3465	342	9	represents	represent	VERB
fsr-3465	342	10	the	the	DET
fsr-3465	342	11	post	post	ADJ
fsr-3465	342	12	personal	personal	ADJ
fsr-3465	342	13	finance	finance	NOUN
fsr-3465	342	14	program	program	NOUN
fsr-3465	342	15	(	(	PUNCT
fsr-3465	342	16	pfp	pfp	PROPN
fsr-3465	342	17	)	)	PUNCT
fsr-3465	342	18	knowledge	knowledge	NOUN
fsr-3465	342	19	score	score	NOUN
fsr-3465	342	20	observation	observation	NOUN
fsr-3465	342	21	for	for	ADP
fsr-3465	342	22	a	a	DET
fsr-3465	342	23	student	student	NOUN
fsr-3465	342	24	and	and	CCONJ
fsr-3465	342	25	0	0	NUM
fsr-3465	342	26	otherwise	otherwise	ADV
fsr-3465	342	27	.	.	PUNCT
fsr-3465	343	1	gpa	gpa	PROPN
fsr-3465	343	2	is	be	AUX
fsr-3465	343	3	the	the	DET
fsr-3465	343	4	student	student	NOUN
fsr-3465	343	5	’s	’s	PART
fsr-3465	343	6	gpa	gpa	PROPN
fsr-3465	343	7	at	at	ADP
fsr-3465	343	8	the	the	DET
fsr-3465	343	9	end	end	NOUN
fsr-3465	343	10	of	of	ADP
fsr-3465	343	11	the	the	DET
fsr-3465	343	12	junior	junior	ADJ
fsr-3465	343	13	year	year	NOUN
fsr-3465	343	14	,	,	PUNCT
fsr-3465	343	15	on	on	ADP
fsr-3465	343	16	a	a	DET
fsr-3465	343	17	4	4	NUM
fsr-3465	343	18	-	-	PUNCT
fsr-3465	343	19	point	point	NOUN
fsr-3465	343	20	scale	scale	NOUN
fsr-3465	343	21	.	.	PUNCT
fsr-3465	344	1	gender	gender	NOUN
fsr-3465	344	2	is	be	AUX
fsr-3465	344	3	a	a	DET
fsr-3465	344	4	dummy	dummy	ADJ
fsr-3465	344	5	variable	variable	NOUN
fsr-3465	344	6	equal	equal	ADJ
fsr-3465	344	7	to	to	ADP
fsr-3465	344	8	1	1	NUM
fsr-3465	344	9	if	if	SCONJ
fsr-3465	344	10	the	the	DET
fsr-3465	344	11	student	student	NOUN
fsr-3465	344	12	is	be	AUX
fsr-3465	344	13	a	a	DET
fsr-3465	344	14	female	female	ADJ
fsr-3465	344	15	and	and	CCONJ
fsr-3465	344	16	0	0	NUM
fsr-3465	344	17	otherwise	otherwise	ADV
fsr-3465	344	18	.	.	PUNCT
fsr-3465	345	1	loanperc	loanperc	VERB
fsr-3465	345	2	and	and	CCONJ
fsr-3465	345	3	selfperc	selfperc	NOUN
fsr-3465	345	4	are	be	AUX
fsr-3465	345	5	the	the	DET
fsr-3465	345	6	percentage	percentage	NOUN
fsr-3465	345	7	of	of	ADP
fsr-3465	345	8	student	student	NOUN
fsr-3465	345	9	college	college	NOUN
fsr-3465	345	10	cost	cost	NOUN
fsr-3465	345	11	paid	pay	VERB
fsr-3465	345	12	for	for	ADP
fsr-3465	345	13	with	with	ADP
fsr-3465	345	14	debt	debt	NOUN
fsr-3465	345	15	or	or	CCONJ
fsr-3465	345	16	by	by	ADP
fsr-3465	345	17	the	the	DET
fsr-3465	345	18	student	student	NOUN
fsr-3465	345	19	.	.	PUNCT
fsr-3465	346	1	minority	minority	NOUN
fsr-3465	346	2	is	be	AUX
fsr-3465	346	3	a	a	DET
fsr-3465	346	4	dummy	dummy	NOUN
fsr-3465	346	5	equal	equal	ADJ
fsr-3465	346	6	to	to	ADP
fsr-3465	346	7	1	1	NUM
fsr-3465	346	8	if	if	SCONJ
fsr-3465	346	9	the	the	DET
fsr-3465	346	10	student	student	NOUN
fsr-3465	346	11	identified	identify	VERB
fsr-3465	346	12	as	as	ADP
fsr-3465	346	13	a	a	DET
fsr-3465	346	14	minority	minority	NOUN
fsr-3465	346	15	and	and	CCONJ
fsr-3465	346	16	0	0	NUM
fsr-3465	346	17	otherwise	otherwise	ADV
fsr-3465	346	18	.	.	PUNCT
fsr-3465	347	1	income	income	NOUN
fsr-3465	347	2	is	be	AUX
fsr-3465	347	3	a	a	DET
fsr-3465	347	4	variable	variable	NOUN
fsr-3465	347	5	ranging	range	VERB
fsr-3465	347	6	from	from	ADP
fsr-3465	347	7	1	1	NUM
fsr-3465	347	8	(	(	PUNCT
fsr-3465	347	9	low	low	ADJ
fsr-3465	347	10	)	)	PUNCT
fsr-3465	347	11	to	to	ADP
fsr-3465	347	12	6	6	NUM
fsr-3465	347	13	(	(	PUNCT
fsr-3465	347	14	high	high	ADJ
fsr-3465	347	15	)	)	PUNCT
fsr-3465	347	16	capturing	capture	VERB
fsr-3465	347	17	the	the	DET
fsr-3465	347	18	student	student	NOUN
fsr-3465	347	19	’s	’s	PART
fsr-3465	347	20	household	household	NOUN
fsr-3465	347	21	income	income	NOUN
fsr-3465	347	22	.	.	PUNCT
fsr-3465	348	1	ecnbusacc	ecnbusacc	PROPN
fsr-3465	348	2	is	be	AUX
fsr-3465	348	3	a	a	DET
fsr-3465	348	4	dummy	dummy	ADJ
fsr-3465	348	5	equal	equal	ADJ
fsr-3465	348	6	to	to	ADP
fsr-3465	348	7	1	1	NUM
fsr-3465	348	8	if	if	SCONJ
fsr-3465	348	9	the	the	DET
fsr-3465	348	10	student	student	NOUN
fsr-3465	348	11	is	be	AUX
fsr-3465	348	12	an	an	DET
fsr-3465	348	13	economics	economic	NOUN
fsr-3465	348	14	,	,	PUNCT
fsr-3465	348	15	business	business	NOUN
fsr-3465	348	16	,	,	PUNCT
fsr-3465	348	17	or	or	CCONJ
fsr-3465	348	18	accounting	account	VERB
fsr-3465	348	19	major	major	ADJ
fsr-3465	348	20	and	and	CCONJ
fsr-3465	348	21	0	0	NUM
fsr-3465	348	22	otherwise	otherwise	ADV
fsr-3465	348	23	.	.	PUNCT
fsr-3465	349	1	noretans	noretan	NOUN
fsr-3465	349	2	is	be	AUX
fsr-3465	349	3	a	a	DET
fsr-3465	349	4	dummy	dummy	ADJ
fsr-3465	349	5	equal	equal	ADJ
fsr-3465	349	6	to	to	ADP
fsr-3465	349	7	1	1	NUM
fsr-3465	349	8	if	if	SCONJ
fsr-3465	349	9	the	the	DET
fsr-3465	349	10	student	student	NOUN
fsr-3465	349	11	did	do	AUX
fsr-3465	349	12	not	not	PART
fsr-3465	349	13	answer	answer	VERB
fsr-3465	349	14	the	the	DET
fsr-3465	349	15	question	question	NOUN
fsr-3465	349	16	“	"	PUNCT
fsr-3465	349	17	how	how	SCONJ
fsr-3465	349	18	much	much	ADJ
fsr-3465	349	19	do	do	AUX
fsr-3465	349	20	you	you	PRON
fsr-3465	349	21	think	think	VERB
fsr-3465	349	22	you	you	PRON
fsr-3465	349	23	will	will	AUX
fsr-3465	349	24	need	need	VERB
fsr-3465	349	25	to	to	PART
fsr-3465	349	26	retire	retire	VERB
fsr-3465	349	27	?	?	PUNCT
fsr-3465	349	28	”	"	PUNCT
fsr-3465	350	1	and	and	CCONJ
fsr-3465	350	2	0	0	NUM
fsr-3465	350	3	otherwise	otherwise	ADV
fsr-3465	350	4	.	.	PUNCT
fsr-3465	351	1	finserv	finserv	PROPN
fsr-3465	351	2	is	be	AUX
fsr-3465	351	3	a	a	DET
fsr-3465	351	4	dummy	dummy	ADJ
fsr-3465	351	5	equal	equal	ADJ
fsr-3465	351	6	to	to	ADP
fsr-3465	351	7	1	1	NUM
fsr-3465	351	8	if	if	SCONJ
fsr-3465	351	9	one	one	NUM
fsr-3465	351	10	or	or	CCONJ
fsr-3465	351	11	both	both	PRON
fsr-3465	351	12	of	of	ADP
fsr-3465	351	13	a	a	DET
fsr-3465	351	14	student	student	NOUN
fsr-3465	351	15	’s	’s	PART
fsr-3465	351	16	parents	parent	NOUN
fsr-3465	351	17	work	work	VERB
fsr-3465	351	18	in	in	ADP
fsr-3465	351	19	the	the	DET
fsr-3465	351	20	financial	financial	ADJ
fsr-3465	351	21	services	service	NOUN
fsr-3465	351	22	industry	industry	NOUN
fsr-3465	351	23	and	and	CCONJ
fsr-3465	351	24	0	0	NUM
fsr-3465	351	25	otherwise	otherwise	ADV
fsr-3465	351	26	.	.	PUNCT
fsr-3465	352	1	needcog	needcog	PROPN
fsr-3465	352	2	is	be	AUX
fsr-3465	352	3	a	a	DET
fsr-3465	352	4	composite	composite	ADJ
fsr-3465	352	5	measure	measure	NOUN
fsr-3465	352	6	ranging	range	VERB
fsr-3465	352	7	from	from	ADP
fsr-3465	352	8	0	0	NUM
fsr-3465	352	9	-	-	SYM
fsr-3465	352	10	90	90	NUM
fsr-3465	352	11	that	that	PRON
fsr-3465	352	12	captures	capture	VERB
fsr-3465	352	13	a	a	DET
fsr-3465	352	14	student	student	NOUN
fsr-3465	352	15	’s	’s	PART
fsr-3465	352	16	propensity	propensity	NOUN
fsr-3465	352	17	to	to	PART
fsr-3465	352	18	engage	engage	VERB
fsr-3465	352	19	cognitive	cognitive	ADJ
fsr-3465	352	20	activities	activity	NOUN
fsr-3465	352	21	.	.	PUNCT
fsr-3465	353	1	treatment	treatment	NOUN
fsr-3465	353	2	is	be	AUX
fsr-3465	353	3	equal	equal	ADJ
fsr-3465	353	4	to	to	ADP
fsr-3465	353	5	1	1	NUM
fsr-3465	353	6	if	if	SCONJ
fsr-3465	353	7	the	the	DET
fsr-3465	353	8	student	student	NOUN
fsr-3465	353	9	participates	participate	VERB
fsr-3465	353	10	in	in	ADP
fsr-3465	353	11	pfp	pfp	PROPN
fsr-3465	353	12	and	and	CCONJ
fsr-3465	353	13	0	0	NUM
fsr-3465	353	14	otherwise	otherwise	ADV
fsr-3465	353	15	.	.	PUNCT
fsr-3465	354	1	fem*treat*post	fem*treat*post	NOUN
fsr-3465	354	2	,	,	PUNCT
fsr-3465	354	3	male*treat*post	male*treat*post	ADJ
fsr-3465	354	4	,	,	PUNCT
fsr-3465	354	5	and	and	CCONJ
fsr-3465	354	6	minority*treat*post	minority*treat*post	NOUN
fsr-3465	354	7	are	be	AUX
fsr-3465	354	8	equal	equal	ADJ
fsr-3465	354	9	to	to	ADP
fsr-3465	354	10	1	1	NUM
fsr-3465	354	11	if	if	SCONJ
fsr-3465	354	12	the	the	DET
fsr-3465	354	13	observation	observation	NOUN
fsr-3465	354	14	represents	represent	VERB
fsr-3465	354	15	a	a	DET
fsr-3465	354	16	female	female	ADJ
fsr-3465	354	17	(	(	PUNCT
fsr-3465	354	18	male	male	NOUN
fsr-3465	354	19	,	,	PUNCT
fsr-3465	354	20	minority	minority	NOUN
fsr-3465	354	21	)	)	PUNCT
fsr-3465	354	22	,	,	PUNCT
fsr-3465	354	23	is	be	AUX
fsr-3465	354	24	from	from	ADP
fsr-3465	354	25	the	the	DET
fsr-3465	354	26	treatment	treatment	NOUN
fsr-3465	354	27	group	group	NOUN
fsr-3465	354	28	,	,	PUNCT
fsr-3465	354	29	and	and	CCONJ
fsr-3465	354	30	represents	represent	VERB
fsr-3465	354	31	the	the	DET
fsr-3465	354	32	post	post	ADJ
fsr-3465	354	33	-	-	ADJ
fsr-3465	354	34	seminar	seminar	ADJ
fsr-3465	354	35	survey	survey	NOUN
fsr-3465	354	36	.	.	PUNCT
fsr-3465	355	1	note	note	NOUN
fsr-3465	355	2	:	:	PUNCT
fsr-3465	355	3	robust	robust	ADJ
fsr-3465	355	4	standard	standard	ADJ
fsr-3465	355	5	errors	error	NOUN
fsr-3465	355	6	in	in	ADP
fsr-3465	355	7	parentheses	parenthesis	NOUN
fsr-3465	355	8	.	.	PUNCT
fsr-3465	356	1	*	*	PUNCT
fsr-3465	357	1	*	*	PUNCT
fsr-3465	357	2	*	*	PUNCT
fsr-3465	357	3	p	p	X
fsr-3465	357	4	<	<	X
fsr-3465	357	5	0.01	0.01	NUM
fsr-3465	357	6	,	,	PUNCT
fsr-3465	357	7	*	*	PUNCT
fsr-3465	357	8	*	*	PUNCT
fsr-3465	357	9	p	p	X
fsr-3465	357	10	<	<	X
fsr-3465	357	11	0.05	0.05	NUM
fsr-3465	357	12	.	.	PUNCT
fsr-3465	358	1	328	328	NUM
fsr-3465	358	2	j.	j.	PROPN
fsr-3465	358	3	handy	handy	PROPN
fsr-3465	358	4	et	et	PROPN
fsr-3465	358	5	al	al	PROPN
fsr-3465	358	6	.	.	PUNCT
fsr-3465	358	7	/	/	SYM
fsr-3465	358	8	financial	financial	ADJ
fsr-3465	358	9	services	service	NOUN
fsr-3465	358	10	review	review	VERB
fsr-3465	358	11	29	29	NUM
fsr-3465	358	12	(	(	PUNCT
fsr-3465	358	13	2021	2021	NUM
fsr-3465	358	14	)	)	PUNCT
fsr-3465	358	15	315–341	315–341	NUM
fsr-3465	358	16	financially	financially	ADV
fsr-3465	358	17	distressing	distressing	ADJ
fsr-3465	358	18	event	event	NOUN
fsr-3465	358	19	is	be	AUX
fsr-3465	358	20	not	not	PART
fsr-3465	358	21	predictive	predictive	ADJ
fsr-3465	358	22	of	of	ADP
fsr-3465	358	23	participation	participation	NOUN
fsr-3465	358	24	,	,	PUNCT
fsr-3465	358	25	students	student	NOUN
fsr-3465	358	26	that	that	PRON
fsr-3465	358	27	have	have	AUX
fsr-3465	358	28	experienced	experience	VERB
fsr-3465	358	29	a	a	DET
fsr-3465	358	30	more	more	ADV
fsr-3465	358	31	significant	significant	ADJ
fsr-3465	358	32	emotional	emotional	ADJ
fsr-3465	358	33	or	or	CCONJ
fsr-3465	358	34	mental	mental	ADJ
fsr-3465	358	35	challenge	challenge	NOUN
fsr-3465	358	36	are	be	AUX
fsr-3465	358	37	less	less	ADV
fsr-3465	358	38	likely	likely	ADJ
fsr-3465	358	39	to	to	PART
fsr-3465	358	40	participate	participate	VERB
fsr-3465	358	41	in	in	ADP
fsr-3465	358	42	the	the	DET
fsr-3465	358	43	course	course	NOUN
fsr-3465	358	44	(	(	PUNCT
fsr-3465	358	45	at	at	ADP
fsr-3465	358	46	the	the	DET
fsr-3465	358	47	5	5	NUM
fsr-3465	358	48	%	%	NOUN
fsr-3465	358	49	level	level	NOUN
fsr-3465	358	50	)	)	PUNCT
fsr-3465	358	51	.	.	PUNCT
fsr-3465	359	1	finally	finally	ADV
fsr-3465	359	2	,	,	PUNCT
fsr-3465	359	3	students	student	NOUN
fsr-3465	359	4	who	who	PRON
fsr-3465	359	5	are	be	AUX
fsr-3465	359	6	more	more	ADV
fsr-3465	359	7	satisfied	satisfied	ADJ
fsr-3465	359	8	with	with	ADP
fsr-3465	359	9	their	their	PRON
fsr-3465	359	10	lives	life	NOUN
fsr-3465	359	11	at	at	ADP
fsr-3465	359	12	the	the	DET
fsr-3465	359	13	time	time	NOUN
fsr-3465	359	14	of	of	ADP
fsr-3465	359	15	the	the	DET
fsr-3465	359	16	seminar	seminar	NOUN
fsr-3465	359	17	are	be	AUX
fsr-3465	359	18	more	more	ADV
fsr-3465	359	19	likely	likely	ADJ
fsr-3465	359	20	to	to	PART
fsr-3465	359	21	take	take	VERB
fsr-3465	359	22	the	the	DET
fsr-3465	359	23	pfp	pfp	PROPN
fsr-3465	359	24	(	(	PUNCT
fsr-3465	359	25	at	at	ADP
fsr-3465	359	26	the	the	DET
fsr-3465	359	27	5	5	NUM
fsr-3465	359	28	%	%	NOUN
fsr-3465	359	29	level	level	NOUN
fsr-3465	359	30	)	)	PUNCT
fsr-3465	359	31	.	.	PUNCT
fsr-3465	360	1	these	these	DET
fsr-3465	360	2	findings	finding	NOUN
fsr-3465	360	3	support	support	VERB
fsr-3465	360	4	the	the	DET
fsr-3465	360	5	idea	idea	NOUN
fsr-3465	360	6	table	table	NOUN
fsr-3465	360	7	5	5	NUM
fsr-3465	360	8	financial	financial	ADJ
fsr-3465	360	9	confidence	confidence	NOUN
fsr-3465	360	10	and	and	CCONJ
fsr-3465	360	11	pfp	pfp	PROPN
fsr-3465	360	12	participation	participation	NOUN
fsr-3465	360	13	variables	variable	NOUN
fsr-3465	360	14	(	(	PUNCT
fsr-3465	360	15	1	1	NUM
fsr-3465	360	16	)	)	PUNCT
fsr-3465	360	17	(	(	PUNCT
fsr-3465	360	18	2	2	NUM
fsr-3465	360	19	)	)	PUNCT
fsr-3465	360	20	(	(	PUNCT
fsr-3465	360	21	3	3	X
fsr-3465	360	22	)	)	PUNCT
fsr-3465	360	23	(	(	PUNCT
fsr-3465	360	24	4	4	X
fsr-3465	360	25	)	)	PUNCT
fsr-3465	360	26	post	post	NOUN
fsr-3465	360	27	pfp	pfp	PROPN
fsr-3465	360	28	dummy	dummy	PROPN
fsr-3465	360	29	0.582	0.582	NUM
fsr-3465	360	30	*	*	PUNCT
fsr-3465	360	31	*	*	PUNCT
fsr-3465	360	32	*	*	PUNCT
fsr-3465	360	33	(	(	PUNCT
fsr-3465	360	34	0.132	0.132	NUM
fsr-3465	360	35	)	)	PUNCT
fsr-3465	360	36	1.267	1.267	NUM
fsr-3465	360	37	*	*	PUNCT
fsr-3465	360	38	*	*	PUNCT
fsr-3465	360	39	*	*	PUNCT
fsr-3465	360	40	(	(	PUNCT
fsr-3465	360	41	0.184	0.184	NUM
fsr-3465	360	42	)	)	PUNCT
fsr-3465	360	43	0.289	0.289	NUM
fsr-3465	360	44	(	(	PUNCT
fsr-3465	360	45	0.235	0.235	NUM
fsr-3465	360	46	)	)	PUNCT
fsr-3465	360	47	0.535	0.535	NUM
fsr-3465	360	48	*	*	PUNCT
fsr-3465	360	49	*	*	PUNCT
fsr-3465	360	50	*	*	PUNCT
fsr-3465	360	51	(	(	PUNCT
fsr-3465	360	52	0.133	0.133	NUM
fsr-3465	360	53	)	)	PUNCT
fsr-3465	360	54	gpa	gpa	PROPN
fsr-3465	360	55	�	�	PROPN
fsr-3465	360	56	0.417	0.417	NUM
fsr-3465	360	57	*	*	PUNCT
fsr-3465	360	58	*	*	PUNCT
fsr-3465	360	59	*	*	PUNCT
fsr-3465	360	60	(	(	PUNCT
fsr-3465	360	61	0.160	0.160	NUM
fsr-3465	360	62	)	)	PUNCT
fsr-3465	360	63	�	�	PROPN
fsr-3465	360	64	0.415	0.415	NUM
fsr-3465	360	65	*	*	PUNCT
fsr-3465	360	66	*	*	PUNCT
fsr-3465	360	67	*	*	PUNCT
fsr-3465	360	68	(	(	PUNCT
fsr-3465	360	69	0.160	0.160	NUM
fsr-3465	360	70	)	)	PUNCT
fsr-3465	360	71	�	�	NOUN
fsr-3465	360	72	0.412	0.412	NUM
fsr-3465	360	73	*	*	PUNCT
fsr-3465	360	74	*	*	PUNCT
fsr-3465	360	75	*	*	PUNCT
fsr-3465	360	76	(	(	PUNCT
fsr-3465	360	77	0.160	0.160	NUM
fsr-3465	360	78	)	)	PUNCT
fsr-3465	360	79	�	�	NOUN
fsr-3465	360	80	0.427	0.427	NUM
fsr-3465	360	81	*	*	PUNCT
fsr-3465	360	82	*	*	PUNCT
fsr-3465	360	83	*	*	PUNCT
fsr-3465	360	84	(	(	PUNCT
fsr-3465	360	85	0.161	0.161	NUM
fsr-3465	360	86	)	)	PUNCT
fsr-3465	360	87	gender	gender	NOUN
fsr-3465	360	88	�	�	PROPN
fsr-3465	360	89	0.569	0.569	NUM
fsr-3465	360	90	*	*	PUNCT
fsr-3465	360	91	*	*	PUNCT
fsr-3465	360	92	*	*	PUNCT
fsr-3465	360	93	(	(	PUNCT
fsr-3465	360	94	0.171	0.171	NUM
fsr-3465	360	95	)	)	PUNCT
fsr-3465	360	96	�	�	NOUN
fsr-3465	360	97	0.608	0.608	NUM
fsr-3465	360	98	*	*	PUNCT
fsr-3465	360	99	*	*	PUNCT
fsr-3465	360	100	*	*	PUNCT
fsr-3465	360	101	(	(	PUNCT
fsr-3465	360	102	0.173	0.173	NUM
fsr-3465	360	103	)	)	PUNCT
fsr-3465	360	104	�	�	NOUN
fsr-3465	360	105	0.785	0.785	NUM
fsr-3465	360	106	*	*	PUNCT
fsr-3465	360	107	*	*	PUNCT
fsr-3465	360	108	*	*	PUNCT
fsr-3465	360	109	(	(	PUNCT
fsr-3465	360	110	0.223	0.223	NUM
fsr-3465	360	111	)	)	PUNCT
fsr-3465	360	112	�	�	NOUN
fsr-3465	360	113	0.568	0.568	NUM
fsr-3465	360	114	*	*	PUNCT
fsr-3465	360	115	*	*	PUNCT
fsr-3465	360	116	*	*	PUNCT
fsr-3465	360	117	(	(	PUNCT
fsr-3465	360	118	0.171	0.171	NUM
fsr-3465	360	119	)	)	PUNCT
fsr-3465	360	120	loanperc	loanperc	PROPN
fsr-3465	360	121	�	�	PROPN
fsr-3465	360	122	0.723	0.723	NUM
fsr-3465	360	123	(	(	PUNCT
fsr-3465	360	124	0.369	0.369	NUM
fsr-3465	360	125	)	)	PUNCT
fsr-3465	360	126	�	�	NOUN
fsr-3465	360	127	0.749	0.749	NUM
fsr-3465	360	128	*	*	NOUN
fsr-3465	360	129	*	*	PUNCT
fsr-3465	360	130	(	(	PUNCT
fsr-3465	360	131	0.377	0.377	NUM
fsr-3465	360	132	)	)	PUNCT
fsr-3465	360	133	�	�	NOUN
fsr-3465	360	134	0.724	0.724	NUM
fsr-3465	360	135	*	*	NOUN
fsr-3465	360	136	*	*	PUNCT
fsr-3465	360	137	(	(	PUNCT
fsr-3465	360	138	0.368	0.368	NUM
fsr-3465	360	139	)	)	PUNCT
fsr-3465	360	140	�	�	NOUN
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fsr-3465	360	143	*	*	PUNCT
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fsr-3465	360	145	0.369	0.369	NUM
fsr-3465	360	146	)	)	PUNCT
fsr-3465	360	147	selfperc	selfperc	VERB
fsr-3465	360	148	0.997	0.997	NUM
fsr-3465	360	149	(	(	PUNCT
fsr-3465	360	150	0.833	0.833	NUM
fsr-3465	360	151	)	)	PUNCT
fsr-3465	360	152	1.009	1.009	NUM
fsr-3465	360	153	(	(	PUNCT
fsr-3465	360	154	0.794	0.794	NUM
fsr-3465	360	155	)	)	PUNCT
fsr-3465	360	156	0.994	0.994	NUM
fsr-3465	360	157	(	(	PUNCT
fsr-3465	360	158	0.801	0.801	NUM
fsr-3465	360	159	)	)	PUNCT
fsr-3465	360	160	0.972	0.972	NUM
fsr-3465	360	161	(	(	PUNCT
fsr-3465	360	162	0.842	0.842	NUM
fsr-3465	360	163	)	)	PUNCT
fsr-3465	360	164	minority	minority	NOUN
fsr-3465	360	165	0.653	0.653	NUM
fsr-3465	360	166	(	(	PUNCT
fsr-3465	360	167	0.372	0.372	NUM
fsr-3465	360	168	)	)	PUNCT
fsr-3465	360	169	0.634	0.634	NUM
fsr-3465	360	170	(	(	PUNCT
fsr-3465	360	171	0.376	0.376	NUM
fsr-3465	360	172	)	)	PUNCT
fsr-3465	360	173	0.641	0.641	NUM
fsr-3465	360	174	(	(	PUNCT
fsr-3465	360	175	0.375	0.375	NUM
fsr-3465	360	176	)	)	PUNCT
fsr-3465	360	177	0.327	0.327	NUM
fsr-3465	360	178	(	(	PUNCT
fsr-3465	360	179	0.516	0.516	NUM
fsr-3465	360	180	)	)	PUNCT
fsr-3465	360	181	knowscore	knowscore	NOUN
fsr-3465	360	182	0.0933	0.0933	NUM
fsr-3465	360	183	*	*	PUNCT
fsr-3465	360	184	*	*	PUNCT
fsr-3465	360	185	*	*	PUNCT
fsr-3465	360	186	(	(	PUNCT
fsr-3465	360	187	0.0275	0.0275	NUM
fsr-3465	360	188	)	)	PUNCT
fsr-3465	360	189	0.0819	0.0819	NUM
fsr-3465	360	190	*	*	PUNCT
fsr-3465	360	191	*	*	PUNCT
fsr-3465	360	192	*	*	PUNCT
fsr-3465	360	193	(	(	PUNCT
fsr-3465	360	194	0.0283	0.0283	NUM
fsr-3465	360	195	)	)	PUNCT
fsr-3465	360	196	0.0894	0.0894	NUM
fsr-3465	360	197	*	*	PUNCT
fsr-3465	360	198	*	*	PUNCT
fsr-3465	360	199	*	*	PUNCT
fsr-3465	360	200	(	(	PUNCT
fsr-3465	360	201	0.0280	0.0280	NUM
fsr-3465	360	202	)	)	PUNCT
fsr-3465	360	203	0.0980	0.0980	NUM
fsr-3465	360	204	*	*	PUNCT
fsr-3465	360	205	*	*	PUNCT
fsr-3465	360	206	*	*	PUNCT
fsr-3465	360	207	(	(	PUNCT
fsr-3465	360	208	0.0283	0.0283	NUM
fsr-3465	360	209	)	)	PUNCT
fsr-3465	360	210	income	income	NOUN
fsr-3465	360	211	0.0385	0.0385	NUM
fsr-3465	360	212	(	(	PUNCT
fsr-3465	360	213	0.0495	0.0495	NUM
fsr-3465	360	214	)	)	PUNCT
fsr-3465	360	215	0.0426	0.0426	NUM
fsr-3465	360	216	(	(	PUNCT
fsr-3465	360	217	0.0497	0.0497	NUM
fsr-3465	360	218	)	)	PUNCT
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fsr-3465	360	222	)	)	PUNCT
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fsr-3465	360	226	)	)	PUNCT
fsr-3465	360	227	ecnbusacc	ecnbusacc	VERB
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fsr-3465	360	232	(	(	PUNCT
fsr-3465	360	233	0.163	0.163	NUM
fsr-3465	360	234	)	)	PUNCT
fsr-3465	360	235	0.526	0.526	NUM
fsr-3465	360	236	*	*	PUNCT
fsr-3465	360	237	*	*	PUNCT
fsr-3465	360	238	*	*	PUNCT
fsr-3465	360	239	(	(	PUNCT
fsr-3465	360	240	0.167	0.167	NUM
fsr-3465	360	241	)	)	PUNCT
fsr-3465	360	242	0.485	0.485	NUM
fsr-3465	360	243	*	*	PUNCT
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fsr-3465	360	246	(	(	PUNCT
fsr-3465	360	247	0.164	0.164	NUM
fsr-3465	360	248	)	)	PUNCT
fsr-3465	360	249	0.465	0.465	NUM
fsr-3465	360	250	*	*	PUNCT
fsr-3465	360	251	*	*	PUNCT
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fsr-3465	360	253	(	(	PUNCT
fsr-3465	360	254	0.164	0.164	NUM
fsr-3465	360	255	)	)	PUNCT
fsr-3465	360	256	noretans	noretan	NOUN
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fsr-3465	360	259	(	(	PUNCT
fsr-3465	360	260	0.432	0.432	NUM
fsr-3465	360	261	)	)	PUNCT
fsr-3465	360	262	�	�	NOUN
fsr-3465	360	263	0.244	0.244	NUM
fsr-3465	360	264	(	(	PUNCT
fsr-3465	360	265	0.448	0.448	NUM
fsr-3465	360	266	)	)	PUNCT
fsr-3465	360	267	�	�	NOUN
fsr-3465	360	268	0.264	0.264	NUM
fsr-3465	360	269	(	(	PUNCT
fsr-3465	360	270	0.437	0.437	NUM
fsr-3465	360	271	)	)	PUNCT
fsr-3465	360	272	�	�	PROPN
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fsr-3465	360	274	(	(	PUNCT
fsr-3465	360	275	0.451	0.451	NUM
fsr-3465	360	276	)	)	PUNCT
fsr-3465	360	277	finserv	finserv	VERB
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fsr-3465	360	281	)	)	PUNCT
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fsr-3465	360	284	0.184	0.184	NUM
fsr-3465	360	285	)	)	PUNCT
fsr-3465	360	286	0.220	0.220	NUM
fsr-3465	360	287	(	(	PUNCT
fsr-3465	360	288	0.183	0.183	NUM
fsr-3465	360	289	)	)	PUNCT
fsr-3465	360	290	0.216	0.216	NUM
fsr-3465	360	291	(	(	PUNCT
fsr-3465	360	292	0.182	0.182	NUM
fsr-3465	360	293	)	)	PUNCT
fsr-3465	360	294	needcog	needcog	VERB
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fsr-3465	360	299	(	(	PUNCT
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fsr-3465	360	301	)	)	PUNCT
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fsr-3465	360	303	*	*	PUNCT
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fsr-3465	360	308	)	)	PUNCT
fsr-3465	360	309	0.0204	0.0204	NUM
fsr-3465	360	310	*	*	PUNCT
fsr-3465	360	311	*	*	PUNCT
fsr-3465	360	312	*	*	PUNCT
fsr-3465	360	313	(	(	PUNCT
fsr-3465	360	314	0.00619	0.00619	NUM
fsr-3465	360	315	)	)	PUNCT
fsr-3465	360	316	0.0199	0.0199	NUM
fsr-3465	361	1	*	*	PUNCT
fsr-3465	361	2	*	*	PUNCT
fsr-3465	361	3	*	*	PUNCT
fsr-3465	361	4	(	(	PUNCT
fsr-3465	361	5	0.00621	0.00621	NUM
fsr-3465	361	6	)	)	PUNCT
fsr-3465	361	7	health	health	NOUN
fsr-3465	361	8	�	�	PROPN
fsr-3465	361	9	0.0645	0.0645	NUM
fsr-3465	361	10	(	(	PUNCT
fsr-3465	361	11	0.0430	0.0430	NUM
fsr-3465	361	12	)	)	PUNCT
fsr-3465	361	13	�	�	NOUN
fsr-3465	361	14	0.0627	0.0627	NUM
fsr-3465	361	15	(	(	PUNCT
fsr-3465	361	16	0.0434	0.0434	NUM
fsr-3465	361	17	)	)	PUNCT
fsr-3465	361	18	�	�	PROPN
fsr-3465	361	19	0.0682	0.0682	NUM
fsr-3465	361	20	(	(	PUNCT
fsr-3465	361	21	0.0426	0.0426	NUM
fsr-3465	361	22	)	)	PUNCT
fsr-3465	361	23	�	�	NOUN
fsr-3465	361	24	0.0687	0.0687	NUM
fsr-3465	361	25	(	(	PUNCT
fsr-3465	361	26	0.0429	0.0429	NUM
fsr-3465	361	27	)	)	PUNCT
fsr-3465	361	28	lifesat	lifesat	VERB
fsr-3465	361	29	0.0148	0.0148	NUM
fsr-3465	361	30	(	(	PUNCT
fsr-3465	361	31	0.0155	0.0155	NUM
fsr-3465	361	32	)	)	PUNCT
fsr-3465	361	33	0.0166	0.0166	NUM
fsr-3465	361	34	(	(	PUNCT
fsr-3465	361	35	0.0154	0.0154	NUM
fsr-3465	361	36	)	)	PUNCT
fsr-3465	361	37	0.0140	0.0140	NUM
fsr-3465	361	38	(	(	PUNCT
fsr-3465	361	39	0.0155	0.0155	NUM
fsr-3465	361	40	)	)	PUNCT
fsr-3465	361	41	0.0152	0.0152	NUM
fsr-3465	361	42	(	(	PUNCT
fsr-3465	361	43	0.0154	0.0154	NUM
fsr-3465	361	44	)	)	PUNCT
fsr-3465	361	45	treatment	treatment	NOUN
fsr-3465	361	46	�	�	PROPN
fsr-3465	361	47	0.241	0.241	NUM
fsr-3465	361	48	(	(	PUNCT
fsr-3465	361	49	0.138	0.138	NUM
fsr-3465	361	50	)	)	PUNCT
fsr-3465	361	51	�	�	NOUN
fsr-3465	361	52	0.821	0.821	NUM
fsr-3465	361	53	*	*	PUNCT
fsr-3465	361	54	*	*	PUNCT
fsr-3465	361	55	*	*	PUNCT
fsr-3465	361	56	(	(	PUNCT
fsr-3465	361	57	0.197	0.197	NUM
fsr-3465	361	58	)	)	PUNCT
fsr-3465	361	59	�	�	PROPN
fsr-3465	361	60	0.239	0.239	NUM
fsr-3465	361	61	(	(	PUNCT
fsr-3465	361	62	0.139	0.139	NUM
fsr-3465	361	63	)	)	PUNCT
fsr-3465	361	64	�	�	NOUN
fsr-3465	361	65	0.244	0.244	NUM
fsr-3465	361	66	(	(	PUNCT
fsr-3465	361	67	0.137	0.137	NUM
fsr-3465	361	68	)	)	PUNCT
fsr-3465	361	69	treat*post	treat*post	ADP
fsr-3465	361	70	1.168	1.168	NUM
fsr-3465	361	71	*	*	PUNCT
fsr-3465	361	72	*	*	PUNCT
fsr-3465	361	73	*	*	PUNCT
fsr-3465	361	74	(	(	PUNCT
fsr-3465	361	75	0.251	0.251	NUM
fsr-3465	361	76	)	)	PUNCT
fsr-3465	361	77	gender*post	gender*post	VERB
fsr-3465	361	78	0.427	0.427	NUM
fsr-3465	361	79	(	(	PUNCT
fsr-3465	361	80	0.274	0.274	NUM
fsr-3465	361	81	)	)	PUNCT
fsr-3465	361	82	minority*post	minority*post	NOUN
fsr-3465	361	83	0.685	0.685	NUM
fsr-3465	361	84	(	(	PUNCT
fsr-3465	361	85	0.634	0.634	NUM
fsr-3465	361	86	)	)	PUNCT
fsr-3465	361	87	observations	observation	NOUN
fsr-3465	361	88	316	316	NUM
fsr-3465	361	89	316	316	NUM
fsr-3465	361	90	316	316	NUM
fsr-3465	361	91	316	316	NUM
fsr-3465	361	92	this	this	DET
fsr-3465	361	93	table	table	NOUN
fsr-3465	361	94	presents	present	VERB
fsr-3465	361	95	results	result	NOUN
fsr-3465	361	96	from	from	ADP
fsr-3465	361	97	estimating	estimate	VERB
fsr-3465	361	98	eq	eq	ADP
fsr-3465	361	99	.	.	PUNCT
fsr-3465	362	1	(	(	PUNCT
fsr-3465	362	2	1	1	X
fsr-3465	362	3	)	)	PUNCT
fsr-3465	362	4	where	where	SCONJ
fsr-3465	362	5	confidence	confidence	NOUN
fsr-3465	362	6	is	be	AUX
fsr-3465	362	7	the	the	DET
fsr-3465	362	8	dependent	dependent	ADJ
fsr-3465	362	9	variable	variable	NOUN
fsr-3465	362	10	.	.	PUNCT
fsr-3465	363	1	confidence	confidence	NOUN
fsr-3465	363	2	is	be	AUX
fsr-3465	363	3	how	how	SCONJ
fsr-3465	363	4	the	the	DET
fsr-3465	363	5	student	student	NOUN
fsr-3465	363	6	perceives	perceive	VERB
fsr-3465	363	7	their	their	PRON
fsr-3465	363	8	confidence	confidence	NOUN
fsr-3465	363	9	in	in	ADP
fsr-3465	363	10	their	their	PRON
fsr-3465	363	11	financial	financial	ADJ
fsr-3465	363	12	future	future	NOUN
fsr-3465	363	13	after	after	ADP
fsr-3465	363	14	college	college	NOUN
fsr-3465	363	15	and	and	CCONJ
fsr-3465	363	16	ranges	range	VERB
fsr-3465	363	17	from	from	ADP
fsr-3465	363	18	1	1	NUM
fsr-3465	363	19	(	(	PUNCT
fsr-3465	363	20	not	not	PART
fsr-3465	363	21	at	at	ADV
fsr-3465	363	22	all	all	ADV
fsr-3465	363	23	)	)	PUNCT
fsr-3465	363	24	to	to	ADP
fsr-3465	363	25	5	5	NUM
fsr-3465	363	26	(	(	PUNCT
fsr-3465	363	27	extremely	extremely	ADV
fsr-3465	363	28	)	)	PUNCT
fsr-3465	363	29	.	.	PUNCT
fsr-3465	364	1	for	for	ADP
fsr-3465	364	2	each	each	DET
fsr-3465	364	3	respondent	respondent	NOUN
fsr-3465	364	4	in	in	ADP
fsr-3465	364	5	our	our	PRON
fsr-3465	364	6	sample	sample	NOUN
fsr-3465	364	7	there	there	PRON
fsr-3465	364	8	are	be	VERB
fsr-3465	364	9	two	two	NUM
fsr-3465	364	10	observations	observation	NOUN
fsr-3465	364	11	,	,	PUNCT
fsr-3465	364	12	one	one	NUM
fsr-3465	364	13	representing	represent	VERB
fsr-3465	364	14	the	the	DET
fsr-3465	364	15	pre	pre	ADJ
fsr-3465	364	16	-	-	ADJ
fsr-3465	364	17	seminar	seminar	ADJ
fsr-3465	364	18	survey	survey	NOUN
fsr-3465	364	19	response	response	NOUN
fsr-3465	364	20	and	and	CCONJ
fsr-3465	364	21	the	the	DET
fsr-3465	364	22	other	other	ADJ
fsr-3465	364	23	the	the	DET
fsr-3465	364	24	post	post	ADJ
fsr-3465	364	25	-	-	ADJ
fsr-3465	364	26	seminar	seminar	ADJ
fsr-3465	364	27	response	response	NOUN
fsr-3465	364	28	.	.	PUNCT
fsr-3465	365	1	gpa	gpa	PROPN
fsr-3465	365	2	is	be	AUX
fsr-3465	365	3	the	the	DET
fsr-3465	365	4	student	student	NOUN
fsr-3465	365	5	’s	’s	PART
fsr-3465	365	6	gpa	gpa	PROPN
fsr-3465	365	7	at	at	ADP
fsr-3465	365	8	the	the	DET
fsr-3465	365	9	end	end	NOUN
fsr-3465	365	10	of	of	ADP
fsr-3465	365	11	the	the	DET
fsr-3465	365	12	junior	junior	ADJ
fsr-3465	365	13	year	year	NOUN
fsr-3465	365	14	,	,	PUNCT
fsr-3465	365	15	on	on	ADP
fsr-3465	365	16	a	a	DET
fsr-3465	365	17	4	4	NUM
fsr-3465	365	18	-	-	PUNCT
fsr-3465	365	19	point	point	NOUN
fsr-3465	365	20	scale	scale	NOUN
fsr-3465	365	21	.	.	PUNCT
fsr-3465	366	1	post	post	NOUN
fsr-3465	366	2	pfp	pfp	PROPN
fsr-3465	366	3	dummy	dummy	PROPN
fsr-3465	366	4	equals	equal	VERB
fsr-3465	366	5	1	1	NUM
fsr-3465	366	6	if	if	SCONJ
fsr-3465	366	7	the	the	DET
fsr-3465	366	8	observation	observation	NOUN
fsr-3465	366	9	represents	represent	VERB
fsr-3465	366	10	the	the	DET
fsr-3465	366	11	post	post	ADJ
fsr-3465	366	12	personal	personal	ADJ
fsr-3465	366	13	finance	finance	NOUN
fsr-3465	366	14	program	program	NOUN
fsr-3465	366	15	(	(	PUNCT
fsr-3465	366	16	pfp	pfp	PROPN
fsr-3465	366	17	)	)	PUNCT
fsr-3465	366	18	confidence	confidence	NOUN
fsr-3465	366	19	observation	observation	NOUN
fsr-3465	366	20	for	for	ADP
fsr-3465	366	21	a	a	DET
fsr-3465	366	22	student	student	NOUN
fsr-3465	366	23	and	and	CCONJ
fsr-3465	366	24	0	0	NUM
fsr-3465	366	25	otherwise	otherwise	ADV
fsr-3465	366	26	.	.	PUNCT
fsr-3465	367	1	treatment	treatment	NOUN
fsr-3465	367	2	is	be	AUX
fsr-3465	367	3	equal	equal	ADJ
fsr-3465	367	4	to	to	ADP
fsr-3465	367	5	1	1	NUM
fsr-3465	367	6	if	if	SCONJ
fsr-3465	367	7	the	the	DET
fsr-3465	367	8	student	student	NOUN
fsr-3465	367	9	participates	participate	VERB
fsr-3465	367	10	in	in	ADP
fsr-3465	367	11	pfp	pfp	PROPN
fsr-3465	367	12	and	and	CCONJ
fsr-3465	367	13	0	0	NUM
fsr-3465	367	14	otherwise	otherwise	ADV
fsr-3465	367	15	.	.	PUNCT
fsr-3465	368	1	knowscore	knowscore	PROPN
fsr-3465	368	2	is	be	AUX
fsr-3465	368	3	a	a	DET
fsr-3465	368	4	student	student	NOUN
fsr-3465	368	5	’s	’s	PART
fsr-3465	368	6	score	score	NOUN
fsr-3465	368	7	on	on	ADP
fsr-3465	368	8	the	the	DET
fsr-3465	368	9	20	20	NUM
fsr-3465	368	10	question	question	NOUN
fsr-3465	368	11	knowledge	knowledge	NOUN
fsr-3465	368	12	test	test	NOUN
fsr-3465	368	13	(	(	PUNCT
fsr-3465	368	14	pre	pre	X
fsr-3465	368	15	or	or	CCONJ
fsr-3465	368	16	post	post	ADJ
fsr-3465	368	17	)	)	PUNCT
fsr-3465	368	18	.	.	PUNCT
fsr-3465	369	1	gender	gender	NOUN
fsr-3465	369	2	is	be	AUX
fsr-3465	369	3	a	a	DET
fsr-3465	369	4	dummy	dummy	ADJ
fsr-3465	369	5	variable	variable	NOUN
fsr-3465	369	6	equal	equal	ADJ
fsr-3465	369	7	to	to	ADP
fsr-3465	369	8	1	1	NUM
fsr-3465	369	9	if	if	SCONJ
fsr-3465	369	10	the	the	DET
fsr-3465	369	11	student	student	NOUN
fsr-3465	369	12	is	be	AUX
fsr-3465	369	13	a	a	DET
fsr-3465	369	14	female	female	ADJ
fsr-3465	369	15	and	and	CCONJ
fsr-3465	369	16	0	0	NUM
fsr-3465	369	17	otherwise	otherwise	ADV
fsr-3465	369	18	.	.	PUNCT
fsr-3465	370	1	minority	minority	NOUN
fsr-3465	370	2	is	be	AUX
fsr-3465	370	3	a	a	DET
fsr-3465	370	4	dummy	dummy	NOUN
fsr-3465	370	5	equal	equal	ADJ
fsr-3465	370	6	to	to	ADP
fsr-3465	370	7	1	1	NUM
fsr-3465	370	8	if	if	SCONJ
fsr-3465	370	9	the	the	DET
fsr-3465	370	10	student	student	NOUN
fsr-3465	370	11	identified	identify	VERB
fsr-3465	370	12	as	as	ADP
fsr-3465	370	13	a	a	DET
fsr-3465	370	14	minority	minority	NOUN
fsr-3465	370	15	and	and	CCONJ
fsr-3465	370	16	0	0	NUM
fsr-3465	370	17	otherwise	otherwise	ADV
fsr-3465	370	18	.	.	PUNCT
fsr-3465	371	1	income	income	NOUN
fsr-3465	371	2	is	be	AUX
fsr-3465	371	3	a	a	DET
fsr-3465	371	4	variable	variable	NOUN
fsr-3465	371	5	ranging	range	VERB
fsr-3465	371	6	from	from	ADP
fsr-3465	371	7	1	1	NUM
fsr-3465	371	8	(	(	PUNCT
fsr-3465	371	9	low	low	ADJ
fsr-3465	371	10	)	)	PUNCT
fsr-3465	371	11	to	to	ADP
fsr-3465	371	12	6	6	NUM
fsr-3465	371	13	(	(	PUNCT
fsr-3465	371	14	high	high	ADJ
fsr-3465	371	15	)	)	PUNCT
fsr-3465	371	16	capturing	capture	VERB
fsr-3465	371	17	the	the	DET
fsr-3465	371	18	student	student	NOUN
fsr-3465	371	19	’s	’s	PART
fsr-3465	371	20	household	household	NOUN
fsr-3465	371	21	income	income	NOUN
fsr-3465	371	22	.	.	PUNCT
fsr-3465	372	1	ecnbusacc	ecnbusacc	PROPN
fsr-3465	372	2	is	be	AUX
fsr-3465	372	3	a	a	DET
fsr-3465	372	4	dummy	dummy	ADJ
fsr-3465	372	5	equal	equal	ADJ
fsr-3465	372	6	to	to	ADP
fsr-3465	372	7	1	1	NUM
fsr-3465	372	8	if	if	SCONJ
fsr-3465	372	9	the	the	DET
fsr-3465	372	10	student	student	NOUN
fsr-3465	372	11	is	be	AUX
fsr-3465	372	12	an	an	DET
fsr-3465	372	13	economics	economic	NOUN
fsr-3465	372	14	,	,	PUNCT
fsr-3465	372	15	business	business	NOUN
fsr-3465	372	16	,	,	PUNCT
fsr-3465	372	17	or	or	CCONJ
fsr-3465	372	18	accounting	account	VERB
fsr-3465	372	19	major	major	ADJ
fsr-3465	372	20	and	and	CCONJ
fsr-3465	372	21	0	0	NUM
fsr-3465	372	22	otherwise	otherwise	ADV
fsr-3465	372	23	.	.	PUNCT
fsr-3465	373	1	needcog	needcog	PROPN
fsr-3465	373	2	is	be	AUX
fsr-3465	373	3	a	a	DET
fsr-3465	373	4	composite	composite	ADJ
fsr-3465	373	5	measure	measure	NOUN
fsr-3465	373	6	ranging	range	VERB
fsr-3465	373	7	from	from	ADP
fsr-3465	373	8	0	0	NUM
fsr-3465	373	9	-	-	SYM
fsr-3465	373	10	90	90	NUM
fsr-3465	373	11	that	that	PRON
fsr-3465	373	12	captures	capture	VERB
fsr-3465	373	13	a	a	DET
fsr-3465	373	14	student	student	NOUN
fsr-3465	373	15	’s	’s	PART
fsr-3465	373	16	propensity	propensity	NOUN
fsr-3465	373	17	to	to	PART
fsr-3465	373	18	engage	engage	VERB
fsr-3465	373	19	cognitive	cognitive	ADJ
fsr-3465	373	20	activities	activity	NOUN
fsr-3465	373	21	.	.	PUNCT
fsr-3465	374	1	loanperc	loanperc	VERB
fsr-3465	374	2	and	and	CCONJ
fsr-3465	374	3	selfperc	selfperc	NOUN
fsr-3465	374	4	are	be	AUX
fsr-3465	374	5	the	the	DET
fsr-3465	374	6	percentage	percentage	NOUN
fsr-3465	374	7	of	of	ADP
fsr-3465	374	8	student	student	NOUN
fsr-3465	374	9	college	college	NOUN
fsr-3465	374	10	cost	cost	NOUN
fsr-3465	374	11	paid	pay	VERB
fsr-3465	374	12	for	for	ADP
fsr-3465	374	13	with	with	ADP
fsr-3465	374	14	debt	debt	NOUN
fsr-3465	374	15	or	or	CCONJ
fsr-3465	374	16	by	by	ADP
fsr-3465	374	17	the	the	DET
fsr-3465	374	18	student	student	NOUN
fsr-3465	374	19	.	.	PUNCT
fsr-3465	375	1	finserv	finserv	PROPN
fsr-3465	375	2	is	be	AUX
fsr-3465	375	3	a	a	DET
fsr-3465	375	4	dummy	dummy	ADJ
fsr-3465	375	5	equal	equal	ADJ
fsr-3465	375	6	to	to	ADP
fsr-3465	375	7	1	1	NUM
fsr-3465	375	8	if	if	SCONJ
fsr-3465	375	9	one	one	NUM
fsr-3465	375	10	or	or	CCONJ
fsr-3465	375	11	both	both	PRON
fsr-3465	375	12	of	of	ADP
fsr-3465	375	13	a	a	DET
fsr-3465	375	14	student	student	NOUN
fsr-3465	375	15	’s	’s	PART
fsr-3465	375	16	parents	parent	NOUN
fsr-3465	375	17	work	work	VERB
fsr-3465	375	18	in	in	ADP
fsr-3465	375	19	the	the	DET
fsr-3465	375	20	financial	financial	ADJ
fsr-3465	375	21	services	service	NOUN
fsr-3465	375	22	industry	industry	NOUN
fsr-3465	375	23	and	and	CCONJ
fsr-3465	375	24	0	0	NUM
fsr-3465	375	25	otherwise	otherwise	ADV
fsr-3465	375	26	.	.	PUNCT
fsr-3465	376	1	health	health	NOUN
fsr-3465	376	2	is	be	AUX
fsr-3465	376	3	the	the	DET
fsr-3465	376	4	sum	sum	NOUN
fsr-3465	376	5	of	of	ADP
fsr-3465	376	6	the	the	DET
fsr-3465	376	7	values	value	NOUN
fsr-3465	376	8	to	to	ADP
fsr-3465	376	9	the	the	DET
fsr-3465	376	10	questions	question	NOUN
fsr-3465	376	11	of	of	ADP
fsr-3465	376	12	whether	whether	SCONJ
fsr-3465	376	13	the	the	DET
fsr-3465	376	14	student	student	NOUN
fsr-3465	376	15	has	have	AUX
fsr-3465	376	16	experienced	experience	VERB
fsr-3465	376	17	significant	significant	ADJ
fsr-3465	376	18	emotional	emotional	ADJ
fsr-3465	376	19	or	or	CCONJ
fsr-3465	376	20	mental	mental	ADJ
fsr-3465	376	21	distress	distress	NOUN
fsr-3465	376	22	in	in	ADP
fsr-3465	376	23	the	the	DET
fsr-3465	376	24	previous	previous	ADJ
fsr-3465	376	25	30	30	NUM
fsr-3465	376	26	days	day	NOUN
fsr-3465	376	27	and	and	CCONJ
fsr-3465	376	28	an	an	DET
fsr-3465	376	29	estimate	estimate	NOUN
fsr-3465	376	30	of	of	ADP
fsr-3465	376	31	the	the	DET
fsr-3465	376	32	severity	severity	NOUN
fsr-3465	376	33	and	and	CCONJ
fsr-3465	376	34	whether	whether	SCONJ
fsr-3465	376	35	the	the	DET
fsr-3465	376	36	student	student	NOUN
fsr-3465	376	37	has	have	AUX
fsr-3465	376	38	experienced	experience	VERB
fsr-3465	376	39	significant	significant	ADJ
fsr-3465	376	40	financial	financial	ADJ
fsr-3465	376	41	distress	distress	NOUN
fsr-3465	376	42	in	in	ADP
fsr-3465	376	43	the	the	DET
fsr-3465	376	44	previous	previous	ADJ
fsr-3465	376	45	30	30	NUM
fsr-3465	376	46	days	day	NOUN
fsr-3465	376	47	and	and	CCONJ
fsr-3465	376	48	an	an	DET
fsr-3465	376	49	estimate	estimate	NOUN
fsr-3465	376	50	of	of	ADP
fsr-3465	376	51	the	the	DET
fsr-3465	376	52	severity	severity	NOUN
fsr-3465	376	53	,	,	PUNCT
fsr-3465	376	54	with	with	ADP
fsr-3465	376	55	the	the	DET
fsr-3465	376	56	value	value	NOUN
fsr-3465	376	57	ranging	range	VERB
fsr-3465	376	58	from	from	ADP
fsr-3465	376	59	2	2	NUM
fsr-3465	376	60	(	(	PUNCT
fsr-3465	376	61	low	low	ADJ
fsr-3465	376	62	)	)	PUNCT
fsr-3465	376	63	to	to	ADP
fsr-3465	376	64	10	10	NUM
fsr-3465	376	65	(	(	PUNCT
fsr-3465	376	66	high	high	ADJ
fsr-3465	376	67	)	)	PUNCT
fsr-3465	376	68	.	.	PUNCT
fsr-3465	377	1	lifesat	lifesat	PROPN
fsr-3465	377	2	is	be	AUX
fsr-3465	377	3	a	a	DET
fsr-3465	377	4	composite	composite	ADJ
fsr-3465	377	5	measure	measure	NOUN
fsr-3465	377	6	ranging	range	VERB
fsr-3465	377	7	from	from	ADP
fsr-3465	377	8	5	5	NUM
fsr-3465	377	9	-	-	SYM
fsr-3465	377	10	25	25	NUM
fsr-3465	377	11	that	that	PRON
fsr-3465	377	12	expresses	express	VERB
fsr-3465	377	13	a	a	DET
fsr-3465	377	14	student	student	NOUN
fsr-3465	377	15	’s	’s	PART
fsr-3465	377	16	satisfaction	satisfaction	NOUN
fsr-3465	377	17	with	with	ADP
fsr-3465	377	18	their	their	PRON
fsr-3465	377	19	life	life	NOUN
fsr-3465	377	20	at	at	ADP
fsr-3465	377	21	the	the	DET
fsr-3465	377	22	time	time	NOUN
fsr-3465	377	23	of	of	ADP
fsr-3465	377	24	the	the	DET
fsr-3465	377	25	pre	pre	NOUN
fsr-3465	377	26	-	-	NOUN
fsr-3465	377	27	survey	survey	NOUN
fsr-3465	377	28	.	.	PUNCT
fsr-3465	378	1	noretans	noretan	NOUN
fsr-3465	378	2	is	be	AUX
fsr-3465	378	3	a	a	DET
fsr-3465	378	4	dummy	dummy	ADJ
fsr-3465	378	5	equal	equal	ADJ
fsr-3465	378	6	to	to	ADP
fsr-3465	378	7	1	1	NUM
fsr-3465	378	8	if	if	SCONJ
fsr-3465	378	9	the	the	DET
fsr-3465	378	10	student	student	NOUN
fsr-3465	378	11	did	do	AUX
fsr-3465	378	12	not	not	PART
fsr-3465	378	13	answer	answer	VERB
fsr-3465	378	14	the	the	DET
fsr-3465	378	15	question	question	NOUN
fsr-3465	378	16	“	"	PUNCT
fsr-3465	378	17	how	how	SCONJ
fsr-3465	378	18	much	much	ADJ
fsr-3465	378	19	do	do	AUX
fsr-3465	378	20	you	you	PRON
fsr-3465	378	21	think	think	VERB
fsr-3465	378	22	you	you	PRON
fsr-3465	378	23	will	will	AUX
fsr-3465	378	24	need	need	VERB
fsr-3465	378	25	to	to	PART
fsr-3465	378	26	retire	retire	VERB
fsr-3465	378	27	?	?	PUNCT
fsr-3465	378	28	”	"	PUNCT
fsr-3465	379	1	and	and	CCONJ
fsr-3465	379	2	0	0	NUM
fsr-3465	379	3	otherwise	otherwise	ADV
fsr-3465	379	4	.	.	PUNCT
fsr-3465	380	1	treat*post	treat*post	ADV
fsr-3465	380	2	,	,	PUNCT
fsr-3465	380	3	gender*post	gender*post	ADJ
fsr-3465	380	4	,	,	PUNCT
fsr-3465	380	5	and	and	CCONJ
fsr-3465	380	6	minority*post	minority*post	NOUN
fsr-3465	380	7	are	be	AUX
fsr-3465	380	8	interaction	interaction	NOUN
fsr-3465	380	9	terms	term	NOUN
fsr-3465	380	10	between	between	ADP
fsr-3465	380	11	treatment	treatment	NOUN
fsr-3465	380	12	,	,	PUNCT
fsr-3465	380	13	gender	gender	NOUN
fsr-3465	380	14	,	,	PUNCT
fsr-3465	380	15	minority	minority	NOUN
fsr-3465	380	16	,	,	PUNCT
fsr-3465	380	17	and	and	CCONJ
fsr-3465	380	18	post	post	VERB
fsr-3465	380	19	pfp	pfp	PROPN
fsr-3465	380	20	dummy	dummy	NOUN
fsr-3465	380	21	.	.	PUNCT
fsr-3465	381	1	note	note	NOUN
fsr-3465	381	2	:	:	PUNCT
fsr-3465	381	3	robust	robust	ADJ
fsr-3465	381	4	standard	standard	ADJ
fsr-3465	381	5	errors	error	NOUN
fsr-3465	381	6	in	in	ADP
fsr-3465	381	7	parentheses	parenthesis	NOUN
fsr-3465	381	8	.	.	PUNCT
fsr-3465	382	1	*	*	PUNCT
fsr-3465	383	1	*	*	PUNCT
fsr-3465	383	2	*	*	PUNCT
fsr-3465	383	3	p	p	X
fsr-3465	383	4	<	<	X
fsr-3465	383	5	0.01	0.01	NUM
fsr-3465	383	6	,	,	PUNCT
fsr-3465	383	7	*	*	PUNCT
fsr-3465	383	8	*	*	PUNCT
fsr-3465	383	9	p	p	X
fsr-3465	383	10	<	<	X
fsr-3465	383	11	0.05	0.05	NUM
fsr-3465	383	12	.	.	PUNCT
fsr-3465	384	1	j.	j.	PROPN
fsr-3465	384	2	handy	handy	PROPN
fsr-3465	384	3	et	et	PROPN
fsr-3465	384	4	al	al	PROPN
fsr-3465	384	5	.	.	PUNCT
fsr-3465	384	6	/	/	SYM
fsr-3465	384	7	financial	financial	ADJ
fsr-3465	384	8	services	service	NOUN
fsr-3465	384	9	review	review	VERB
fsr-3465	384	10	29	29	NUM
fsr-3465	384	11	(	(	PUNCT
fsr-3465	384	12	2021	2021	NUM
fsr-3465	384	13	)	)	PUNCT
fsr-3465	385	1	315–341	315–341	NUM
fsr-3465	385	2	329	329	NUM
fsr-3465	385	3	that	that	SCONJ
fsr-3465	385	4	one	one	NUM
fsr-3465	385	5	’s	’s	PART
fsr-3465	385	6	state	state	NOUN
fsr-3465	385	7	of	of	ADP
fsr-3465	385	8	mind	mind	NOUN
fsr-3465	385	9	,	,	PUNCT
fsr-3465	385	10	including	include	VERB
fsr-3465	385	11	perceived	perceive	VERB
fsr-3465	385	12	stress	stress	NOUN
fsr-3465	385	13	and	and	CCONJ
fsr-3465	385	14	overall	overall	ADJ
fsr-3465	385	15	well	well	ADV
fsr-3465	385	16	-	-	PUNCT
fsr-3465	385	17	being	being	NOUN
fsr-3465	385	18	predict	predict	VERB
fsr-3465	385	19	self	self	NOUN
fsr-3465	385	20	-	-	PUNCT
fsr-3465	385	21	efficacy	efficacy	NOUN
fsr-3465	385	22	,	,	PUNCT
fsr-3465	385	23	or	or	CCONJ
fsr-3465	385	24	the	the	DET
fsr-3465	385	25	belief	belief	NOUN
fsr-3465	385	26	that	that	SCONJ
fsr-3465	385	27	one	one	PRON
fsr-3465	385	28	can	can	AUX
fsr-3465	385	29	set	set	VERB
fsr-3465	385	30	a	a	DET
fsr-3465	385	31	goal	goal	NOUN
fsr-3465	385	32	and	and	CCONJ
fsr-3465	385	33	enact	enact	VERB
fsr-3465	385	34	the	the	DET
fsr-3465	385	35	necessary	necessary	ADJ
fsr-3465	385	36	behavior	behavior	NOUN
fsr-3465	385	37	to	to	PART
fsr-3465	385	38	achieve	achieve	VERB
fsr-3465	385	39	that	that	DET
fsr-3465	385	40	goal	goal	NOUN
fsr-3465	385	41	(	(	PUNCT
fsr-3465	385	42	bandura	bandura	NOUN
fsr-3465	385	43	,	,	PUNCT
fsr-3465	385	44	1977	1977	NUM
fsr-3465	385	45	)	)	PUNCT
fsr-3465	385	46	.	.	PUNCT
fsr-3465	386	1	enrolling	enrol	VERB
fsr-3465	386	2	in	in	ADP
fsr-3465	386	3	and	and	CCONJ
fsr-3465	386	4	completing	complete	VERB
fsr-3465	386	5	the	the	DET
fsr-3465	386	6	pfp	pfp	PROPN
fsr-3465	386	7	required	require	VERB
fsr-3465	386	8	students	student	NOUN
fsr-3465	386	9	to	to	PART
fsr-3465	386	10	respond	respond	VERB
fsr-3465	386	11	to	to	ADP
fsr-3465	386	12	the	the	DET
fsr-3465	386	13	recruiting	recruiting	NOUN
fsr-3465	386	14	email	email	NOUN
fsr-3465	386	15	,	,	PUNCT
fsr-3465	386	16	attend	attend	VERB
fsr-3465	386	17	sessions	session	NOUN
fsr-3465	386	18	,	,	PUNCT
fsr-3465	386	19	and	and	CCONJ
fsr-3465	386	20	complete	complete	VERB
fsr-3465	386	21	a	a	DET
fsr-3465	386	22	preand	preand	NOUN
fsr-3465	386	23	post	post	ADJ
fsr-3465	386	24	-	-	ADJ
fsr-3465	386	25	seminar	seminar	ADJ
fsr-3465	386	26	survey	survey	NOUN
fsr-3465	386	27	;	;	PUNCT
fsr-3465	386	28	these	these	DET
fsr-3465	386	29	table	table	NOUN
fsr-3465	386	30	6	6	NUM
fsr-3465	386	31	financial	financial	ADJ
fsr-3465	386	32	confidence	confidence	NOUN
fsr-3465	386	33	and	and	CCONJ
fsr-3465	386	34	pfp	pfp	PROPN
fsr-3465	386	35	participation	participation	NOUN
fsr-3465	386	36	variables	variable	NOUN
fsr-3465	386	37	(	(	PUNCT
fsr-3465	386	38	1	1	NUM
fsr-3465	386	39	)	)	PUNCT
fsr-3465	386	40	(	(	PUNCT
fsr-3465	386	41	2	2	NUM
fsr-3465	386	42	)	)	PUNCT
fsr-3465	386	43	(	(	PUNCT
fsr-3465	386	44	3	3	X
fsr-3465	386	45	)	)	PUNCT
fsr-3465	386	46	post	post	NOUN
fsr-3465	386	47	pfp	pfp	PROPN
fsr-3465	386	48	dummy	dummy	PROPN
fsr-3465	386	49	0.0989	0.0989	PROPN
fsr-3465	386	50	(	(	PUNCT
fsr-3465	386	51	0.179	0.179	NUM
fsr-3465	386	52	)	)	PUNCT
fsr-3465	386	53	0.549	0.549	NUM
fsr-3465	386	54	*	*	PUNCT
fsr-3465	386	55	*	*	PUNCT
fsr-3465	386	56	*	*	PUNCT
fsr-3465	386	57	(	(	PUNCT
fsr-3465	386	58	0.131	0.131	NUM
fsr-3465	386	59	)	)	PUNCT
fsr-3465	387	1	0.101	0.101	NUM
fsr-3465	387	2	(	(	PUNCT
fsr-3465	387	3	0.180	0.180	NUM
fsr-3465	387	4	)	)	PUNCT
fsr-3465	387	5	gpa	gpa	PROPN
fsr-3465	387	6	�	�	PROPN
fsr-3465	387	7	0.416	0.416	NUM
fsr-3465	387	8	*	*	PUNCT
fsr-3465	387	9	*	*	PUNCT
fsr-3465	387	10	*	*	PUNCT
fsr-3465	387	11	(	(	PUNCT
fsr-3465	387	12	0.160	0.160	NUM
fsr-3465	387	13	)	)	PUNCT
fsr-3465	387	14	�	�	NOUN
fsr-3465	387	15	0.388	0.388	NUM
fsr-3465	387	16	*	*	NOUN
fsr-3465	387	17	*	*	PUNCT
fsr-3465	387	18	(	(	PUNCT
fsr-3465	387	19	0.161	0.161	NUM
fsr-3465	387	20	)	)	PUNCT
fsr-3465	387	21	�	�	NOUN
fsr-3465	387	22	0.394	0.394	NUM
fsr-3465	387	23	*	*	NOUN
fsr-3465	387	24	*	*	PUNCT
fsr-3465	387	25	(	(	PUNCT
fsr-3465	387	26	0.160	0.160	NUM
fsr-3465	387	27	)	)	PUNCT
fsr-3465	387	28	gender	gender	NOUN
fsr-3465	387	29	�	�	PROPN
fsr-3465	387	30	0.590	0.590	NUM
fsr-3465	387	31	*	*	PUNCT
fsr-3465	387	32	*	*	PUNCT
fsr-3465	387	33	*	*	PUNCT
fsr-3465	387	34	(	(	PUNCT
fsr-3465	387	35	0.204	0.204	NUM
fsr-3465	387	36	)	)	PUNCT
fsr-3465	387	37	�	�	NOUN
fsr-3465	387	38	0.585	0.585	NUM
fsr-3465	387	39	*	*	PUNCT
fsr-3465	387	40	*	*	PUNCT
fsr-3465	387	41	*	*	PUNCT
fsr-3465	387	42	(	(	PUNCT
fsr-3465	387	43	0.171	0.171	NUM
fsr-3465	387	44	)	)	PUNCT
fsr-3465	387	45	�	�	NOUN
fsr-3465	387	46	0.613	0.613	NUM
fsr-3465	387	47	*	*	PUNCT
fsr-3465	387	48	*	*	PUNCT
fsr-3465	387	49	*	*	PUNCT
fsr-3465	387	50	(	(	PUNCT
fsr-3465	387	51	0.203	0.203	NUM
fsr-3465	387	52	)	)	PUNCT
fsr-3465	387	53	loanperc	loanperc	PROPN
fsr-3465	387	54	�	�	PROPN
fsr-3465	387	55	0.759	0.759	NOUN
fsr-3465	387	56	*	*	SYM
fsr-3465	387	57	*	*	PUNCT
fsr-3465	387	58	(	(	PUNCT
fsr-3465	387	59	0.378	0.378	NUM
fsr-3465	387	60	)	)	PUNCT
fsr-3465	387	61	�	�	PROPN
fsr-3465	387	62	0.679	0.679	NUM
fsr-3465	387	63	(	(	PUNCT
fsr-3465	387	64	0.369	0.369	NUM
fsr-3465	387	65	)	)	PUNCT
fsr-3465	387	66	�	�	NOUN
fsr-3465	387	67	0.717	0.717	NUM
fsr-3465	387	68	(	(	PUNCT
fsr-3465	387	69	0.376	0.376	NOUN
fsr-3465	387	70	)	)	PUNCT
fsr-3465	387	71	selfperc	selfperc	NOUN
fsr-3465	387	72	1.030	1.030	NUM
fsr-3465	387	73	(	(	PUNCT
fsr-3465	387	74	0.800	0.800	NUM
fsr-3465	387	75	)	)	PUNCT
fsr-3465	387	76	0.955	0.955	NUM
fsr-3465	387	77	(	(	PUNCT
fsr-3465	387	78	0.848	0.848	NUM
fsr-3465	387	79	)	)	PUNCT
fsr-3465	387	80	0.983	0.983	NUM
fsr-3465	387	81	(	(	PUNCT
fsr-3465	387	82	0.810	0.810	NUM
fsr-3465	387	83	)	)	PUNCT
fsr-3465	387	84	minority	minority	NOUN
fsr-3465	387	85	0.633	0.633	NUM
fsr-3465	387	86	(	(	PUNCT
fsr-3465	387	87	0.376	0.376	NUM
fsr-3465	387	88	)	)	PUNCT
fsr-3465	387	89	0.332	0.332	NUM
fsr-3465	387	90	(	(	PUNCT
fsr-3465	387	91	0.412	0.412	NUM
fsr-3465	387	92	)	)	PUNCT
fsr-3465	387	93	0.396	0.396	NUM
fsr-3465	387	94	(	(	PUNCT
fsr-3465	387	95	0.428	0.428	NUM
fsr-3465	387	96	)	)	PUNCT
fsr-3465	387	97	knowscore	knowscore	NOUN
fsr-3465	387	98	0.0822	0.0822	NUM
fsr-3465	387	99	*	*	PUNCT
fsr-3465	387	100	*	*	PUNCT
fsr-3465	387	101	*	*	PUNCT
fsr-3465	387	102	(	(	PUNCT
fsr-3465	387	103	0.0283	0.0283	NUM
fsr-3465	387	104	)	)	PUNCT
fsr-3465	387	105	0.0859	0.0859	NUM
fsr-3465	387	106	*	*	PUNCT
fsr-3465	387	107	*	*	PUNCT
fsr-3465	387	108	*	*	PUNCT
fsr-3465	387	109	(	(	PUNCT
fsr-3465	387	110	0.0280	0.0280	NUM
fsr-3465	387	111	)	)	PUNCT
fsr-3465	387	112	0.0771	0.0771	NUM
fsr-3465	387	113	*	*	PUNCT
fsr-3465	387	114	*	*	PUNCT
fsr-3465	387	115	*	*	PUNCT
fsr-3465	387	116	(	(	PUNCT
fsr-3465	387	117	0.0287	0.0287	NUM
fsr-3465	387	118	)	)	PUNCT
fsr-3465	387	119	income	income	NOUN
fsr-3465	387	120	0.0431	0.0431	NUM
fsr-3465	387	121	(	(	PUNCT
fsr-3465	387	122	0.0498	0.0498	NUM
fsr-3465	387	123	)	)	PUNCT
fsr-3465	387	124	0.0391	0.0391	NUM
fsr-3465	387	125	(	(	PUNCT
fsr-3465	387	126	0.0496	0.0496	NUM
fsr-3465	387	127	)	)	PUNCT
fsr-3465	387	128	0.0430	0.0430	NUM
fsr-3465	387	129	(	(	PUNCT
fsr-3465	387	130	0.0497	0.0497	NUM
fsr-3465	387	131	)	)	PUNCT
fsr-3465	387	132	ecnbusacc	ecnbusacc	VERB
fsr-3465	387	133	0.526	0.526	NUM
fsr-3465	387	134	*	*	PUNCT
fsr-3465	387	135	*	*	PUNCT
fsr-3465	387	136	*	*	PUNCT
fsr-3465	387	137	(	(	PUNCT
fsr-3465	387	138	0.167	0.167	NUM
fsr-3465	387	139	)	)	PUNCT
fsr-3465	387	140	0.503	0.503	NUM
fsr-3465	387	141	*	*	PUNCT
fsr-3465	387	142	*	*	PUNCT
fsr-3465	387	143	*	*	PUNCT
fsr-3465	387	144	(	(	PUNCT
fsr-3465	387	145	0.166	0.166	NUM
fsr-3465	387	146	)	)	PUNCT
fsr-3465	387	147	0.545	0.545	NUM
fsr-3465	387	148	*	*	PUNCT
fsr-3465	387	149	*	*	PUNCT
fsr-3465	387	150	*	*	PUNCT
fsr-3465	387	151	(	(	PUNCT
fsr-3465	387	152	0.169	0.169	NUM
fsr-3465	387	153	)	)	PUNCT
fsr-3465	387	154	noretans	noretan	VERB
fsr-3465	387	155	�	�	PROPN
fsr-3465	387	156	0.248	0.248	NUM
fsr-3465	387	157	(	(	PUNCT
fsr-3465	387	158	0.447	0.447	NUM
fsr-3465	387	159	)	)	PUNCT
fsr-3465	387	160	�	�	PROPN
fsr-3465	387	161	0.219	0.219	NUM
fsr-3465	387	162	(	(	PUNCT
fsr-3465	387	163	0.445	0.445	NUM
fsr-3465	387	164	)	)	PUNCT
fsr-3465	387	165	�	�	PROPN
fsr-3465	387	166	0.218	0.218	NUM
fsr-3465	387	167	(	(	PUNCT
fsr-3465	387	168	0.457	0.457	NUM
fsr-3465	387	169	)	)	PUNCT
fsr-3465	387	170	finserv	finserv	VERB
fsr-3465	387	171	0.227	0.227	NUM
fsr-3465	387	172	(	(	PUNCT
fsr-3465	387	173	0.184	0.184	NUM
fsr-3465	387	174	)	)	PUNCT
fsr-3465	387	175	0.197	0.197	NUM
fsr-3465	387	176	(	(	PUNCT
fsr-3465	387	177	0.182	0.182	NUM
fsr-3465	387	178	)	)	PUNCT
fsr-3465	387	179	0.212	0.212	NUM
fsr-3465	387	180	(	(	PUNCT
fsr-3465	387	181	0.183	0.183	NUM
fsr-3465	387	182	)	)	PUNCT
fsr-3465	387	183	needcog	needcog	VERB
fsr-3465	387	184	0.0214	0.0214	NUM
fsr-3465	387	185	*	*	PUNCT
fsr-3465	387	186	*	*	PUNCT
fsr-3465	387	187	*	*	PUNCT
fsr-3465	387	188	(	(	PUNCT
fsr-3465	387	189	0.00622	0.00622	NUM
fsr-3465	387	190	)	)	PUNCT
fsr-3465	387	191	0.0200	0.0200	NUM
fsr-3465	387	192	*	*	PUNCT
fsr-3465	387	193	*	*	PUNCT
fsr-3465	387	194	*	*	PUNCT
fsr-3465	387	195	(	(	PUNCT
fsr-3465	387	196	0.00626	0.00626	NUM
fsr-3465	387	197	)	)	PUNCT
fsr-3465	387	198	0.0213	0.0213	NUM
fsr-3465	387	199	*	*	PUNCT
fsr-3465	387	200	*	*	PUNCT
fsr-3465	387	201	*	*	PUNCT
fsr-3465	387	202	(	(	PUNCT
fsr-3465	387	203	0.00625	0.00625	NUM
fsr-3465	387	204	)	)	PUNCT
fsr-3465	387	205	health	health	NOUN
fsr-3465	387	206	�	�	PROPN
fsr-3465	387	207	0.0625	0.0625	PROPN
fsr-3465	387	208	(	(	PUNCT
fsr-3465	387	209	0.0435	0.0435	NUM
fsr-3465	387	210	)	)	PUNCT
fsr-3465	387	211	�	�	NOUN
fsr-3465	387	212	0.0733	0.0733	NUM
fsr-3465	387	213	(	(	PUNCT
fsr-3465	387	214	0.0433	0.0433	NUM
fsr-3465	387	215	)	)	PUNCT
fsr-3465	387	216	�	�	NOUN
fsr-3465	387	217	0.0693	0.0693	NUM
fsr-3465	387	218	(	(	PUNCT
fsr-3465	387	219	0.0437	0.0437	NUM
fsr-3465	387	220	)	)	PUNCT
fsr-3465	387	221	lifesat	lifesat	VERB
fsr-3465	387	222	0.0165	0.0165	NUM
fsr-3465	387	223	(	(	PUNCT
fsr-3465	387	224	0.0154	0.0154	NUM
fsr-3465	387	225	)	)	PUNCT
fsr-3465	387	226	0.0145	0.0145	NUM
fsr-3465	387	227	(	(	PUNCT
fsr-3465	387	228	0.0154	0.0154	NUM
fsr-3465	387	229	)	)	PUNCT
fsr-3465	387	230	0.0163	0.0163	NUM
fsr-3465	387	231	(	(	PUNCT
fsr-3465	387	232	0.0154	0.0154	NUM
fsr-3465	387	233	)	)	PUNCT
fsr-3465	387	234	treatment	treatment	NOUN
fsr-3465	387	235	�	�	PROPN
fsr-3465	387	236	0.823	0.823	NUM
fsr-3465	387	237	*	*	PUNCT
fsr-3465	387	238	*	*	PUNCT
fsr-3465	387	239	*	*	PUNCT
fsr-3465	387	240	(	(	PUNCT
fsr-3465	387	241	0.197	0.197	NUM
fsr-3465	387	242	)	)	PUNCT
fsr-3465	387	243	�	�	PROPN
fsr-3465	387	244	0.291	0.291	NUM
fsr-3465	387	245	*	*	SYM
fsr-3465	387	246	*	*	PUNCT
fsr-3465	387	247	(	(	PUNCT
fsr-3465	387	248	0.139	0.139	NUM
fsr-3465	387	249	)	)	PUNCT
fsr-3465	387	250	�	�	NOUN
fsr-3465	387	251	0.826	0.826	NUM
fsr-3465	387	252	*	*	PUNCT
fsr-3465	387	253	*	*	PUNCT
fsr-3465	387	254	*	*	PUNCT
fsr-3465	387	255	(	(	PUNCT
fsr-3465	387	256	0.197	0.197	NUM
fsr-3465	387	257	)	)	PUNCT
fsr-3465	387	258	fem*treat*post	fem*treat*post	ADP
fsr-3465	387	259	1.148	1.148	NUM
fsr-3465	387	260	*	*	PUNCT
fsr-3465	387	261	*	*	PUNCT
fsr-3465	387	262	*	*	PUNCT
fsr-3465	387	263	(	(	PUNCT
fsr-3465	387	264	0.263	0.263	NUM
fsr-3465	387	265	)	)	PUNCT
fsr-3465	387	266	1.097	1.097	NUM
fsr-3465	387	267	*	*	PUNCT
fsr-3465	387	268	*	*	PUNCT
fsr-3465	387	269	*	*	PUNCT
fsr-3465	387	270	(	(	PUNCT
fsr-3465	387	271	0.266	0.266	NUM
fsr-3465	387	272	)	)	PUNCT
fsr-3465	388	1	male*treat*post	male*treat*post	NOUN
fsr-3465	388	2	1.231	1.231	NUM
fsr-3465	388	3	*	*	PUNCT
fsr-3465	388	4	*	*	PUNCT
fsr-3465	388	5	*	*	PUNCT
fsr-3465	388	6	(	(	PUNCT
fsr-3465	388	7	0.344	0.344	NUM
fsr-3465	388	8	)	)	PUNCT
fsr-3465	388	9	1.121	1.121	NUM
fsr-3465	388	10	*	*	PUNCT
fsr-3465	388	11	*	*	PUNCT
fsr-3465	388	12	*	*	PUNCT
fsr-3465	388	13	(	(	PUNCT
fsr-3465	388	14	0.326	0.326	NUM
fsr-3465	388	15	)	)	PUNCT
fsr-3465	388	16	minority*treat*post	minority*treat*post	ADV
fsr-3465	388	17	1.464	1.464	NUM
fsr-3465	388	18	*	*	PUNCT
fsr-3465	388	19	*	*	PUNCT
fsr-3465	388	20	(	(	PUNCT
fsr-3465	388	21	0.610	0.610	NUM
fsr-3465	388	22	)	)	PUNCT
fsr-3465	388	23	1.101	1.101	NUM
fsr-3465	388	24	(	(	PUNCT
fsr-3465	388	25	0.618	0.618	NUM
fsr-3465	388	26	)	)	PUNCT
fsr-3465	388	27	observations	observation	NOUN
fsr-3465	388	28	316	316	NUM
fsr-3465	388	29	316	316	NUM
fsr-3465	388	30	316	316	NUM
fsr-3465	388	31	this	this	DET
fsr-3465	388	32	table	table	NOUN
fsr-3465	388	33	presents	present	VERB
fsr-3465	388	34	results	result	NOUN
fsr-3465	388	35	from	from	ADP
fsr-3465	388	36	estimating	estimate	VERB
fsr-3465	388	37	eq	eq	ADP
fsr-3465	388	38	.	.	PUNCT
fsr-3465	389	1	(	(	PUNCT
fsr-3465	389	2	1	1	X
fsr-3465	389	3	)	)	PUNCT
fsr-3465	389	4	where	where	SCONJ
fsr-3465	389	5	confidence	confidence	NOUN
fsr-3465	389	6	is	be	AUX
fsr-3465	389	7	the	the	DET
fsr-3465	389	8	dependent	dependent	ADJ
fsr-3465	389	9	variable	variable	NOUN
fsr-3465	389	10	.	.	PUNCT
fsr-3465	390	1	confidence	confidence	NOUN
fsr-3465	390	2	is	be	AUX
fsr-3465	390	3	how	how	SCONJ
fsr-3465	390	4	the	the	DET
fsr-3465	390	5	student	student	NOUN
fsr-3465	390	6	perceives	perceive	VERB
fsr-3465	390	7	their	their	PRON
fsr-3465	390	8	confidence	confidence	NOUN
fsr-3465	390	9	in	in	ADP
fsr-3465	390	10	their	their	PRON
fsr-3465	390	11	financial	financial	ADJ
fsr-3465	390	12	future	future	NOUN
fsr-3465	390	13	after	after	ADP
fsr-3465	390	14	college	college	NOUN
fsr-3465	390	15	and	and	CCONJ
fsr-3465	390	16	ranges	range	VERB
fsr-3465	390	17	from	from	ADP
fsr-3465	390	18	1	1	NUM
fsr-3465	390	19	(	(	PUNCT
fsr-3465	390	20	not	not	PART
fsr-3465	390	21	at	at	ADV
fsr-3465	390	22	all	all	ADV
fsr-3465	390	23	)	)	PUNCT
fsr-3465	390	24	to	to	ADP
fsr-3465	390	25	5	5	NUM
fsr-3465	390	26	(	(	PUNCT
fsr-3465	390	27	extremely	extremely	ADV
fsr-3465	390	28	)	)	PUNCT
fsr-3465	390	29	.	.	PUNCT
fsr-3465	391	1	for	for	ADP
fsr-3465	391	2	each	each	DET
fsr-3465	391	3	respondent	respondent	NOUN
fsr-3465	391	4	in	in	ADP
fsr-3465	391	5	our	our	PRON
fsr-3465	391	6	sample	sample	NOUN
fsr-3465	391	7	there	there	PRON
fsr-3465	391	8	are	be	VERB
fsr-3465	391	9	two	two	NUM
fsr-3465	391	10	observations	observation	NOUN
fsr-3465	391	11	,	,	PUNCT
fsr-3465	391	12	one	one	NUM
fsr-3465	391	13	representing	represent	VERB
fsr-3465	391	14	the	the	DET
fsr-3465	391	15	pre	pre	ADJ
fsr-3465	391	16	-	-	ADJ
fsr-3465	391	17	seminar	seminar	ADJ
fsr-3465	391	18	survey	survey	NOUN
fsr-3465	391	19	response	response	NOUN
fsr-3465	391	20	and	and	CCONJ
fsr-3465	391	21	the	the	DET
fsr-3465	391	22	other	other	ADJ
fsr-3465	391	23	the	the	DET
fsr-3465	391	24	post	post	ADJ
fsr-3465	391	25	-	-	ADJ
fsr-3465	391	26	seminar	seminar	ADJ
fsr-3465	391	27	response	response	NOUN
fsr-3465	391	28	.	.	PUNCT
fsr-3465	392	1	gpa	gpa	PROPN
fsr-3465	392	2	is	be	AUX
fsr-3465	392	3	the	the	DET
fsr-3465	392	4	student	student	NOUN
fsr-3465	392	5	’s	’s	PART
fsr-3465	392	6	gpa	gpa	PROPN
fsr-3465	392	7	at	at	ADP
fsr-3465	392	8	the	the	DET
fsr-3465	392	9	end	end	NOUN
fsr-3465	392	10	of	of	ADP
fsr-3465	392	11	the	the	DET
fsr-3465	392	12	junior	junior	ADJ
fsr-3465	392	13	year	year	NOUN
fsr-3465	392	14	,	,	PUNCT
fsr-3465	392	15	on	on	ADP
fsr-3465	392	16	a	a	DET
fsr-3465	392	17	4	4	NUM
fsr-3465	392	18	-	-	PUNCT
fsr-3465	392	19	point	point	NOUN
fsr-3465	392	20	scale	scale	NOUN
fsr-3465	392	21	.	.	PUNCT
fsr-3465	393	1	post	post	NOUN
fsr-3465	393	2	pfp	pfp	PROPN
fsr-3465	393	3	dummy	dummy	PROPN
fsr-3465	393	4	equals	equal	VERB
fsr-3465	393	5	1	1	NUM
fsr-3465	393	6	if	if	SCONJ
fsr-3465	393	7	the	the	DET
fsr-3465	393	8	observation	observation	NOUN
fsr-3465	393	9	represents	represent	VERB
fsr-3465	393	10	the	the	DET
fsr-3465	393	11	post	post	ADJ
fsr-3465	393	12	personal	personal	ADJ
fsr-3465	393	13	finance	finance	NOUN
fsr-3465	393	14	program	program	NOUN
fsr-3465	393	15	(	(	PUNCT
fsr-3465	393	16	pfp	pfp	PROPN
fsr-3465	393	17	)	)	PUNCT
fsr-3465	393	18	confidence	confidence	NOUN
fsr-3465	393	19	observation	observation	NOUN
fsr-3465	393	20	for	for	ADP
fsr-3465	393	21	a	a	DET
fsr-3465	393	22	student	student	NOUN
fsr-3465	393	23	and	and	CCONJ
fsr-3465	393	24	0	0	NUM
fsr-3465	393	25	otherwise	otherwise	ADV
fsr-3465	393	26	.	.	PUNCT
fsr-3465	394	1	treatment	treatment	NOUN
fsr-3465	394	2	is	be	AUX
fsr-3465	394	3	equal	equal	ADJ
fsr-3465	394	4	to	to	ADP
fsr-3465	394	5	1	1	NUM
fsr-3465	394	6	if	if	SCONJ
fsr-3465	394	7	the	the	DET
fsr-3465	394	8	student	student	NOUN
fsr-3465	394	9	participates	participate	VERB
fsr-3465	394	10	in	in	ADP
fsr-3465	394	11	pfp	pfp	PROPN
fsr-3465	394	12	and	and	CCONJ
fsr-3465	394	13	0	0	NUM
fsr-3465	394	14	otherwise	otherwise	ADV
fsr-3465	394	15	.	.	PUNCT
fsr-3465	395	1	knowscore	knowscore	PROPN
fsr-3465	395	2	is	be	AUX
fsr-3465	395	3	a	a	DET
fsr-3465	395	4	student	student	NOUN
fsr-3465	395	5	’s	’s	PART
fsr-3465	395	6	score	score	NOUN
fsr-3465	395	7	on	on	ADP
fsr-3465	395	8	the	the	DET
fsr-3465	395	9	20	20	NUM
fsr-3465	395	10	question	question	NOUN
fsr-3465	395	11	knowledge	knowledge	NOUN
fsr-3465	395	12	test	test	NOUN
fsr-3465	395	13	(	(	PUNCT
fsr-3465	395	14	pre	pre	X
fsr-3465	395	15	or	or	CCONJ
fsr-3465	395	16	post	post	ADJ
fsr-3465	395	17	)	)	PUNCT
fsr-3465	395	18	.	.	PUNCT
fsr-3465	396	1	gender	gender	NOUN
fsr-3465	396	2	is	be	AUX
fsr-3465	396	3	a	a	DET
fsr-3465	396	4	dummy	dummy	ADJ
fsr-3465	396	5	variable	variable	NOUN
fsr-3465	396	6	equal	equal	ADJ
fsr-3465	396	7	to	to	ADP
fsr-3465	396	8	1	1	NUM
fsr-3465	396	9	if	if	SCONJ
fsr-3465	396	10	the	the	DET
fsr-3465	396	11	student	student	NOUN
fsr-3465	396	12	is	be	AUX
fsr-3465	396	13	a	a	DET
fsr-3465	396	14	female	female	ADJ
fsr-3465	396	15	and	and	CCONJ
fsr-3465	396	16	0	0	NUM
fsr-3465	396	17	otherwise	otherwise	ADV
fsr-3465	396	18	.	.	PUNCT
fsr-3465	397	1	minority	minority	NOUN
fsr-3465	397	2	is	be	AUX
fsr-3465	397	3	a	a	DET
fsr-3465	397	4	dummy	dummy	NOUN
fsr-3465	397	5	equal	equal	ADJ
fsr-3465	397	6	to	to	ADP
fsr-3465	397	7	1	1	NUM
fsr-3465	397	8	if	if	SCONJ
fsr-3465	397	9	the	the	DET
fsr-3465	397	10	student	student	NOUN
fsr-3465	397	11	identified	identify	VERB
fsr-3465	397	12	as	as	ADP
fsr-3465	397	13	a	a	DET
fsr-3465	397	14	minority	minority	NOUN
fsr-3465	397	15	and	and	CCONJ
fsr-3465	397	16	0	0	NUM
fsr-3465	397	17	otherwise	otherwise	ADV
fsr-3465	397	18	.	.	PUNCT
fsr-3465	398	1	income	income	NOUN
fsr-3465	398	2	is	be	AUX
fsr-3465	398	3	a	a	DET
fsr-3465	398	4	variable	variable	NOUN
fsr-3465	398	5	ranging	range	VERB
fsr-3465	398	6	from	from	ADP
fsr-3465	398	7	1	1	NUM
fsr-3465	398	8	(	(	PUNCT
fsr-3465	398	9	low	low	ADJ
fsr-3465	398	10	)	)	PUNCT
fsr-3465	398	11	to	to	ADP
fsr-3465	398	12	6	6	NUM
fsr-3465	398	13	(	(	PUNCT
fsr-3465	398	14	high	high	ADJ
fsr-3465	398	15	)	)	PUNCT
fsr-3465	398	16	capturing	capture	VERB
fsr-3465	398	17	the	the	DET
fsr-3465	398	18	student	student	NOUN
fsr-3465	398	19	’s	’s	PART
fsr-3465	398	20	household	household	NOUN
fsr-3465	398	21	income	income	NOUN
fsr-3465	398	22	.	.	PUNCT
fsr-3465	399	1	ecnbusacc	ecnbusacc	PROPN
fsr-3465	399	2	is	be	AUX
fsr-3465	399	3	a	a	DET
fsr-3465	399	4	dummy	dummy	ADJ
fsr-3465	399	5	equal	equal	ADJ
fsr-3465	399	6	to	to	ADP
fsr-3465	399	7	1	1	NUM
fsr-3465	399	8	if	if	SCONJ
fsr-3465	399	9	the	the	DET
fsr-3465	399	10	student	student	NOUN
fsr-3465	399	11	is	be	AUX
fsr-3465	399	12	an	an	DET
fsr-3465	399	13	economics	economic	NOUN
fsr-3465	399	14	,	,	PUNCT
fsr-3465	399	15	business	business	NOUN
fsr-3465	399	16	,	,	PUNCT
fsr-3465	399	17	or	or	CCONJ
fsr-3465	399	18	accounting	account	VERB
fsr-3465	399	19	major	major	ADJ
fsr-3465	399	20	and	and	CCONJ
fsr-3465	399	21	0	0	NUM
fsr-3465	399	22	otherwise	otherwise	ADV
fsr-3465	399	23	.	.	PUNCT
fsr-3465	400	1	needcog	needcog	PROPN
fsr-3465	400	2	is	be	AUX
fsr-3465	400	3	a	a	DET
fsr-3465	400	4	composite	composite	ADJ
fsr-3465	400	5	measure	measure	NOUN
fsr-3465	400	6	ranging	range	VERB
fsr-3465	400	7	from	from	ADP
fsr-3465	400	8	0	0	NUM
fsr-3465	400	9	-	-	SYM
fsr-3465	400	10	90	90	NUM
fsr-3465	400	11	that	that	PRON
fsr-3465	400	12	captures	capture	VERB
fsr-3465	400	13	a	a	DET
fsr-3465	400	14	student	student	NOUN
fsr-3465	400	15	’s	’s	PART
fsr-3465	400	16	propensity	propensity	NOUN
fsr-3465	400	17	to	to	PART
fsr-3465	400	18	engage	engage	VERB
fsr-3465	400	19	cognitive	cognitive	ADJ
fsr-3465	400	20	activities	activity	NOUN
fsr-3465	400	21	.	.	PUNCT
fsr-3465	401	1	loanperc	loanperc	VERB
fsr-3465	401	2	and	and	CCONJ
fsr-3465	401	3	selfperc	selfperc	NOUN
fsr-3465	401	4	are	be	AUX
fsr-3465	401	5	the	the	DET
fsr-3465	401	6	percentage	percentage	NOUN
fsr-3465	401	7	of	of	ADP
fsr-3465	401	8	student	student	NOUN
fsr-3465	401	9	college	college	NOUN
fsr-3465	401	10	cost	cost	NOUN
fsr-3465	401	11	paid	pay	VERB
fsr-3465	401	12	for	for	ADP
fsr-3465	401	13	with	with	ADP
fsr-3465	401	14	debt	debt	NOUN
fsr-3465	401	15	or	or	CCONJ
fsr-3465	401	16	by	by	ADP
fsr-3465	401	17	the	the	DET
fsr-3465	401	18	student	student	NOUN
fsr-3465	401	19	.	.	PUNCT
fsr-3465	402	1	finserv	finserv	PROPN
fsr-3465	402	2	is	be	AUX
fsr-3465	402	3	a	a	DET
fsr-3465	402	4	dummy	dummy	ADJ
fsr-3465	402	5	equal	equal	ADJ
fsr-3465	402	6	to	to	ADP
fsr-3465	402	7	1	1	NUM
fsr-3465	402	8	if	if	SCONJ
fsr-3465	402	9	one	one	NUM
fsr-3465	402	10	or	or	CCONJ
fsr-3465	402	11	both	both	PRON
fsr-3465	402	12	of	of	ADP
fsr-3465	402	13	a	a	DET
fsr-3465	402	14	student	student	NOUN
fsr-3465	402	15	’s	’s	PART
fsr-3465	402	16	parents	parent	NOUN
fsr-3465	402	17	work	work	VERB
fsr-3465	402	18	in	in	ADP
fsr-3465	402	19	the	the	DET
fsr-3465	402	20	financial	financial	ADJ
fsr-3465	402	21	services	service	NOUN
fsr-3465	402	22	industry	industry	NOUN
fsr-3465	402	23	and	and	CCONJ
fsr-3465	402	24	0	0	NUM
fsr-3465	402	25	otherwise	otherwise	ADV
fsr-3465	402	26	.	.	PUNCT
fsr-3465	403	1	health	health	NOUN
fsr-3465	403	2	is	be	AUX
fsr-3465	403	3	the	the	DET
fsr-3465	403	4	sum	sum	NOUN
fsr-3465	403	5	of	of	ADP
fsr-3465	403	6	the	the	DET
fsr-3465	403	7	values	value	NOUN
fsr-3465	403	8	to	to	ADP
fsr-3465	403	9	the	the	DET
fsr-3465	403	10	questions	question	NOUN
fsr-3465	403	11	of	of	ADP
fsr-3465	403	12	whether	whether	SCONJ
fsr-3465	403	13	the	the	DET
fsr-3465	403	14	student	student	NOUN
fsr-3465	403	15	has	have	AUX
fsr-3465	403	16	experienced	experience	VERB
fsr-3465	403	17	significant	significant	ADJ
fsr-3465	403	18	emotional	emotional	ADJ
fsr-3465	403	19	or	or	CCONJ
fsr-3465	403	20	mental	mental	ADJ
fsr-3465	403	21	distress	distress	NOUN
fsr-3465	403	22	in	in	ADP
fsr-3465	403	23	the	the	DET
fsr-3465	403	24	previous	previous	ADJ
fsr-3465	403	25	30	30	NUM
fsr-3465	403	26	days	day	NOUN
fsr-3465	403	27	and	and	CCONJ
fsr-3465	403	28	an	an	DET
fsr-3465	403	29	estimate	estimate	NOUN
fsr-3465	403	30	of	of	ADP
fsr-3465	403	31	the	the	DET
fsr-3465	403	32	severity	severity	NOUN
fsr-3465	403	33	and	and	CCONJ
fsr-3465	403	34	whether	whether	SCONJ
fsr-3465	403	35	the	the	DET
fsr-3465	403	36	student	student	NOUN
fsr-3465	403	37	has	have	AUX
fsr-3465	403	38	experienced	experience	VERB
fsr-3465	403	39	significant	significant	ADJ
fsr-3465	403	40	financial	financial	ADJ
fsr-3465	403	41	distress	distress	NOUN
fsr-3465	403	42	in	in	ADP
fsr-3465	403	43	the	the	DET
fsr-3465	403	44	previous	previous	ADJ
fsr-3465	403	45	30	30	NUM
fsr-3465	403	46	days	day	NOUN
fsr-3465	403	47	and	and	CCONJ
fsr-3465	403	48	an	an	DET
fsr-3465	403	49	estimate	estimate	NOUN
fsr-3465	403	50	of	of	ADP
fsr-3465	403	51	the	the	DET
fsr-3465	403	52	severity	severity	NOUN
fsr-3465	403	53	,	,	PUNCT
fsr-3465	403	54	with	with	ADP
fsr-3465	403	55	the	the	DET
fsr-3465	403	56	value	value	NOUN
fsr-3465	403	57	ranging	range	VERB
fsr-3465	403	58	from	from	ADP
fsr-3465	403	59	2	2	NUM
fsr-3465	403	60	(	(	PUNCT
fsr-3465	403	61	low	low	ADJ
fsr-3465	403	62	)	)	PUNCT
fsr-3465	403	63	to	to	ADP
fsr-3465	403	64	10	10	NUM
fsr-3465	403	65	(	(	PUNCT
fsr-3465	403	66	high	high	ADJ
fsr-3465	403	67	)	)	PUNCT
fsr-3465	403	68	.	.	PUNCT
fsr-3465	404	1	lifesat	lifesat	PROPN
fsr-3465	404	2	is	be	AUX
fsr-3465	404	3	a	a	DET
fsr-3465	404	4	composite	composite	ADJ
fsr-3465	404	5	measure	measure	NOUN
fsr-3465	404	6	ranging	range	VERB
fsr-3465	404	7	from	from	ADP
fsr-3465	404	8	5	5	NUM
fsr-3465	404	9	-	-	SYM
fsr-3465	404	10	25	25	NUM
fsr-3465	404	11	that	that	PRON
fsr-3465	404	12	expresses	express	VERB
fsr-3465	404	13	a	a	DET
fsr-3465	404	14	student	student	NOUN
fsr-3465	404	15	’s	’s	PART
fsr-3465	404	16	satisfaction	satisfaction	NOUN
fsr-3465	404	17	with	with	ADP
fsr-3465	404	18	their	their	PRON
fsr-3465	404	19	life	life	NOUN
fsr-3465	404	20	at	at	ADP
fsr-3465	404	21	the	the	DET
fsr-3465	404	22	time	time	NOUN
fsr-3465	404	23	of	of	ADP
fsr-3465	404	24	the	the	DET
fsr-3465	404	25	pre	pre	NOUN
fsr-3465	404	26	-	-	NOUN
fsr-3465	404	27	survey	survey	NOUN
fsr-3465	404	28	.	.	PUNCT
fsr-3465	405	1	noretans	noretan	NOUN
fsr-3465	405	2	is	be	AUX
fsr-3465	405	3	a	a	DET
fsr-3465	405	4	dummy	dummy	ADJ
fsr-3465	405	5	equal	equal	ADJ
fsr-3465	405	6	to	to	ADP
fsr-3465	405	7	1	1	NUM
fsr-3465	405	8	if	if	SCONJ
fsr-3465	405	9	the	the	DET
fsr-3465	405	10	student	student	NOUN
fsr-3465	405	11	did	do	AUX
fsr-3465	405	12	not	not	PART
fsr-3465	405	13	answer	answer	VERB
fsr-3465	405	14	the	the	DET
fsr-3465	405	15	question	question	NOUN
fsr-3465	405	16	“	"	PUNCT
fsr-3465	405	17	how	how	SCONJ
fsr-3465	405	18	much	much	ADJ
fsr-3465	405	19	do	do	AUX
fsr-3465	405	20	you	you	PRON
fsr-3465	405	21	think	think	VERB
fsr-3465	405	22	you	you	PRON
fsr-3465	405	23	will	will	AUX
fsr-3465	405	24	need	need	VERB
fsr-3465	405	25	to	to	PART
fsr-3465	405	26	retire	retire	VERB
fsr-3465	405	27	?	?	PUNCT
fsr-3465	405	28	”	"	PUNCT
fsr-3465	406	1	and	and	CCONJ
fsr-3465	406	2	0	0	NUM
fsr-3465	406	3	otherwise	otherwise	ADV
fsr-3465	406	4	.	.	PUNCT
fsr-3465	407	1	fem*treat*post	fem*treat*post	NOUN
fsr-3465	407	2	,	,	PUNCT
fsr-3465	407	3	male*treat*post	male*treat*post	ADJ
fsr-3465	407	4	,	,	PUNCT
fsr-3465	407	5	and	and	CCONJ
fsr-3465	407	6	minority*treat*post	minority*treat*post	NOUN
fsr-3465	407	7	are	be	AUX
fsr-3465	407	8	equal	equal	ADJ
fsr-3465	407	9	to	to	ADP
fsr-3465	407	10	1	1	NUM
fsr-3465	407	11	if	if	SCONJ
fsr-3465	407	12	the	the	DET
fsr-3465	407	13	observation	observation	NOUN
fsr-3465	407	14	represents	represent	VERB
fsr-3465	407	15	a	a	DET
fsr-3465	407	16	female	female	ADJ
fsr-3465	407	17	(	(	PUNCT
fsr-3465	407	18	male	male	NOUN
fsr-3465	407	19	,	,	PUNCT
fsr-3465	407	20	minority	minority	NOUN
fsr-3465	407	21	)	)	PUNCT
fsr-3465	407	22	,	,	PUNCT
fsr-3465	407	23	is	be	AUX
fsr-3465	407	24	from	from	ADP
fsr-3465	407	25	the	the	DET
fsr-3465	407	26	treatment	treatment	NOUN
fsr-3465	407	27	group	group	NOUN
fsr-3465	407	28	,	,	PUNCT
fsr-3465	407	29	and	and	CCONJ
fsr-3465	407	30	represents	represent	VERB
fsr-3465	407	31	the	the	DET
fsr-3465	407	32	post	post	ADJ
fsr-3465	407	33	-	-	ADJ
fsr-3465	407	34	seminar	seminar	ADJ
fsr-3465	407	35	survey	survey	NOUN
fsr-3465	407	36	.	.	PUNCT
fsr-3465	408	1	note	note	NOUN
fsr-3465	408	2	:	:	PUNCT
fsr-3465	408	3	robust	robust	ADJ
fsr-3465	408	4	standard	standard	ADJ
fsr-3465	408	5	errors	error	NOUN
fsr-3465	408	6	in	in	ADP
fsr-3465	408	7	parentheses	parenthesis	NOUN
fsr-3465	408	8	.	.	PUNCT
fsr-3465	409	1	*	*	PUNCT
fsr-3465	409	2	*	*	PUNCT
fsr-3465	409	3	*	*	PUNCT
fsr-3465	409	4	p	p	X
fsr-3465	409	5	<	<	X
fsr-3465	409	6	0.01	0.01	NUM
fsr-3465	409	7	,	,	PUNCT
fsr-3465	409	8	*	*	PUNCT
fsr-3465	409	9	*	*	PUNCT
fsr-3465	409	10	p	p	X
fsr-3465	409	11	<	<	X
fsr-3465	409	12	0.05	0.05	NUM
fsr-3465	409	13	.	.	PUNCT
fsr-3465	409	14	330	330	NUM
fsr-3465	409	15	j.	j.	PROPN
fsr-3465	409	16	handy	handy	PROPN
fsr-3465	409	17	et	et	PROPN
fsr-3465	409	18	al	al	PROPN
fsr-3465	409	19	.	.	PUNCT
fsr-3465	409	20	/	/	SYM
fsr-3465	409	21	financial	financial	ADJ
fsr-3465	409	22	services	service	NOUN
fsr-3465	409	23	review	review	VERB
fsr-3465	409	24	29	29	NUM
fsr-3465	409	25	(	(	PUNCT
fsr-3465	409	26	2021	2021	NUM
fsr-3465	409	27	)	)	PUNCT
fsr-3465	410	1	315–341	315–341	NUM
fsr-3465	410	2	steps	step	NOUN
fsr-3465	410	3	require	require	VERB
fsr-3465	410	4	a	a	DET
fsr-3465	410	5	level	level	NOUN
fsr-3465	410	6	of	of	ADP
fsr-3465	410	7	persistence	persistence	NOUN
fsr-3465	410	8	and	and	CCONJ
fsr-3465	410	9	engagement	engagement	NOUN
fsr-3465	410	10	encouraged	encourage	VERB
fsr-3465	410	11	by	by	ADP
fsr-3465	410	12	feeling	feel	VERB
fsr-3465	410	13	positive	positive	ADJ
fsr-3465	410	14	about	about	ADP
fsr-3465	410	15	one	one	NUM
fsr-3465	410	16	’s	’s	PART
fsr-3465	410	17	life	life	NOUN
fsr-3465	410	18	and	and	CCONJ
fsr-3465	410	19	not	not	PART
fsr-3465	410	20	feeling	feel	VERB
fsr-3465	410	21	overwhelmed	overwhelmed	ADJ
fsr-3465	410	22	by	by	ADP
fsr-3465	410	23	stressful	stressful	ADJ
fsr-3465	410	24	life	life	NOUN
fsr-3465	410	25	events	event	NOUN
fsr-3465	410	26	.	.	PUNCT
fsr-3465	411	1	to	to	PART
fsr-3465	411	2	summarize	summarize	VERB
fsr-3465	411	3	,	,	PUNCT
fsr-3465	411	4	students	student	NOUN
fsr-3465	411	5	who	who	PRON
fsr-3465	411	6	participate	participate	VERB
fsr-3465	411	7	in	in	ADP
fsr-3465	411	8	the	the	DET
fsr-3465	411	9	pfp	pfp	NOUN
fsr-3465	411	10	are	be	AUX
fsr-3465	411	11	less	less	ADV
fsr-3465	411	12	confident	confident	ADJ
fsr-3465	411	13	in	in	ADP
fsr-3465	411	14	their	their	PRON
fsr-3465	411	15	financial	financial	ADJ
fsr-3465	411	16	future	future	NOUN
fsr-3465	411	17	,	,	PUNCT
fsr-3465	411	18	experience	experience	NOUN
fsr-3465	411	19	less	less	ADJ
fsr-3465	411	20	stress	stress	NOUN
fsr-3465	411	21	and	and	CCONJ
fsr-3465	411	22	have	have	VERB
fsr-3465	411	23	a	a	DET
fsr-3465	411	24	higher	high	ADJ
fsr-3465	411	25	level	level	NOUN
fsr-3465	411	26	of	of	ADP
fsr-3465	411	27	life	life	NOUN
fsr-3465	411	28	satisfaction	satisfaction	NOUN
fsr-3465	411	29	.	.	PUNCT
fsr-3465	412	1	most	most	ADV
fsr-3465	412	2	importantly	importantly	ADV
fsr-3465	412	3	,	,	PUNCT
fsr-3465	412	4	the	the	DET
fsr-3465	412	5	participants	participant	NOUN
fsr-3465	412	6	and	and	CCONJ
fsr-3465	412	7	the	the	DET
fsr-3465	412	8	control	control	NOUN
fsr-3465	412	9	group	group	NOUN
fsr-3465	412	10	did	do	AUX
fsr-3465	412	11	not	not	PART
fsr-3465	412	12	differ	differ	VERB
fsr-3465	412	13	in	in	ADP
fsr-3465	412	14	pretest	pretest	ADJ
fsr-3465	412	15	knowledge	knowledge	NOUN
fsr-3465	412	16	level	level	NOUN
fsr-3465	412	17	,	,	PUNCT
fsr-3465	412	18	or	or	CCONJ
fsr-3465	412	19	academic	academic	ADJ
fsr-3465	412	20	ability	ability	NOUN
fsr-3465	412	21	as	as	SCONJ
fsr-3465	412	22	measured	measure	VERB
fsr-3465	412	23	by	by	ADP
fsr-3465	412	24	gpa	gpa	PROPN
fsr-3465	412	25	,	,	PUNCT
fsr-3465	412	26	as	as	ADV
fsr-3465	412	27	well	well	ADV
fsr-3465	412	28	as	as	ADP
fsr-3465	412	29	their	their	PRON
fsr-3465	412	30	interest	interest	NOUN
fsr-3465	412	31	in	in	ADP
fsr-3465	412	32	thinking	thinking	NOUN
fsr-3465	412	33	(	(	PUNCT
fsr-3465	412	34	need	need	VERB
fsr-3465	412	35	for	for	ADP
fsr-3465	412	36	cognition	cognition	NOUN
fsr-3465	412	37	)	)	PUNCT
fsr-3465	412	38	,	,	PUNCT
fsr-3465	412	39	or	or	CCONJ
fsr-3465	412	40	whether	whether	SCONJ
fsr-3465	412	41	their	their	PRON
fsr-3465	412	42	parents	parent	NOUN
fsr-3465	412	43	work	work	VERB
fsr-3465	412	44	in	in	ADP
fsr-3465	412	45	the	the	DET
fsr-3465	412	46	finance	finance	NOUN
fsr-3465	412	47	industry	industry	NOUN
fsr-3465	412	48	.	.	PUNCT
fsr-3465	413	1	5.3.3	5.3.3	X
fsr-3465	413	2	.	.	PUNCT
fsr-3465	413	3	section	section	NOUN
fsr-3465	413	4	4.3.3	4.3.3	NOUN
fsr-3465	413	5	.	.	PUNCT
fsr-3465	413	6	:	:	PUNCT
fsr-3465	414	1	summary	summary	VERB
fsr-3465	414	2	descriptive	descriptive	ADJ
fsr-3465	414	3	statistics	statistic	NOUN
fsr-3465	414	4	table	table	NOUN
fsr-3465	414	5	2	2	NUM
fsr-3465	414	6	presents	present	NOUN
fsr-3465	414	7	summary	summary	NOUN
fsr-3465	414	8	descriptive	descriptive	ADJ
fsr-3465	414	9	statistics	statistic	NOUN
fsr-3465	414	10	of	of	ADP
fsr-3465	414	11	financial	financial	ADJ
fsr-3465	414	12	knowledge	knowledge	NOUN
fsr-3465	414	13	and	and	CCONJ
fsr-3465	414	14	control	control	NOUN
fsr-3465	414	15	variables	variable	NOUN
fsr-3465	414	16	for	for	ADP
fsr-3465	414	17	the	the	DET
fsr-3465	414	18	sample	sample	NOUN
fsr-3465	414	19	.	.	PUNCT
fsr-3465	415	1	the	the	DET
fsr-3465	415	2	sample	sample	NOUN
fsr-3465	415	3	is	be	AUX
fsr-3465	415	4	broken	break	VERB
fsr-3465	415	5	down	down	ADP
fsr-3465	415	6	into	into	ADP
fsr-3465	415	7	three	three	NUM
fsr-3465	415	8	groups	group	NOUN
fsr-3465	415	9	.	.	PUNCT
fsr-3465	416	1	column	column	NOUN
fsr-3465	416	2	(	(	PUNCT
fsr-3465	416	3	1	1	X
fsr-3465	416	4	)	)	PUNCT
fsr-3465	416	5	reflects	reflect	VERB
fsr-3465	416	6	participants	participant	NOUN
fsr-3465	416	7	and	and	CCONJ
fsr-3465	416	8	control	control	NOUN
fsr-3465	416	9	respondents	respondent	NOUN
fsr-3465	416	10	who	who	PRON
fsr-3465	416	11	fully	fully	ADV
fsr-3465	416	12	completed	complete	VERB
fsr-3465	416	13	both	both	CCONJ
fsr-3465	416	14	the	the	DET
fsr-3465	416	15	pre	pre	ADJ
fsr-3465	416	16	and	and	CCONJ
fsr-3465	416	17	post	post	VERB
fsr-3465	416	18	surveys	survey	NOUN
fsr-3465	416	19	.	.	PUNCT
fsr-3465	417	1	columns	column	NOUN
fsr-3465	417	2	(	(	PUNCT
fsr-3465	417	3	2	2	NUM
fsr-3465	417	4	)	)	PUNCT
fsr-3465	417	5	and	and	CCONJ
fsr-3465	417	6	(	(	PUNCT
fsr-3465	417	7	3	3	X
fsr-3465	417	8	)	)	PUNCT
fsr-3465	417	9	split	split	VERB
fsr-3465	417	10	the	the	DET
fsr-3465	417	11	survey	survey	NOUN
fsr-3465	417	12	sample	sample	NOUN
fsr-3465	417	13	into	into	ADP
fsr-3465	417	14	those	those	DET
fsr-3465	417	15	participating	participate	VERB
fsr-3465	417	16	(	(	PUNCT
fsr-3465	417	17	treatment	treatment	NOUN
fsr-3465	417	18	)	)	PUNCT
fsr-3465	417	19	in	in	ADP
fsr-3465	417	20	the	the	DET
fsr-3465	417	21	pfp	pfp	NOUN
fsr-3465	417	22	and	and	CCONJ
fsr-3465	417	23	those	those	PRON
fsr-3465	417	24	not	not	PART
fsr-3465	417	25	participating	participate	VERB
fsr-3465	417	26	(	(	PUNCT
fsr-3465	417	27	control	control	NOUN
fsr-3465	417	28	)	)	PUNCT
fsr-3465	417	29	in	in	ADP
fsr-3465	417	30	the	the	DET
fsr-3465	417	31	pfp	pfp	PROPN
fsr-3465	417	32	,	,	PUNCT
fsr-3465	417	33	respectively	respectively	ADV
fsr-3465	417	34	,	,	PUNCT
fsr-3465	417	35	and	and	CCONJ
fsr-3465	417	36	that	that	PRON
fsr-3465	417	37	completed	complete	VERB
fsr-3465	417	38	both	both	DET
fsr-3465	417	39	surveys	survey	NOUN
fsr-3465	417	40	.	.	PUNCT
fsr-3465	418	1	a	a	DET
fsr-3465	418	2	substantial	substantial	ADJ
fsr-3465	418	3	number	number	NOUN
fsr-3465	418	4	of	of	ADP
fsr-3465	418	5	students	student	NOUN
fsr-3465	418	6	(	(	PUNCT
fsr-3465	418	7	over	over	ADP
fsr-3465	418	8	400	400	NUM
fsr-3465	418	9	)	)	PUNCT
fsr-3465	418	10	over	over	ADP
fsr-3465	418	11	the	the	DET
fsr-3465	418	12	course	course	NOUN
fsr-3465	418	13	of	of	ADP
fsr-3465	418	14	the	the	DET
fsr-3465	418	15	three	three	NUM
fsr-3465	418	16	years	year	NOUN
fsr-3465	418	17	of	of	ADP
fsr-3465	418	18	the	the	DET
fsr-3465	418	19	study	study	NOUN
fsr-3465	418	20	completed	complete	VERB
fsr-3465	418	21	only	only	ADV
fsr-3465	418	22	the	the	DET
fsr-3465	418	23	presurvey	presurvey	NOUN
fsr-3465	418	24	as	as	SCONJ
fsr-3465	418	25	was	be	AUX
fsr-3465	418	26	described	describe	VERB
fsr-3465	418	27	above	above	ADV
fsr-3465	418	28	.	.	PUNCT
fsr-3465	419	1	5.4	5.4	NUM
fsr-3465	419	2	.	.	PUNCT
fsr-3465	420	1	participant	participant	ADJ
fsr-3465	420	2	demographics	demographic	NOUN
fsr-3465	420	3	(	(	PUNCT
fsr-3465	420	4	only	only	ADV
fsr-3465	420	5	assessed	assess	VERB
fsr-3465	420	6	in	in	ADP
fsr-3465	420	7	the	the	DET
fsr-3465	420	8	pretest	pretest	NOUN
fsr-3465	420	9	)	)	PUNCT
fsr-3465	420	10	results	result	NOUN
fsr-3465	420	11	in	in	ADP
fsr-3465	420	12	table	table	NOUN
fsr-3465	420	13	2	2	NUM
fsr-3465	420	14	show	show	VERB
fsr-3465	420	15	that	that	SCONJ
fsr-3465	420	16	seminar	seminar	NOUN
fsr-3465	420	17	participants	participant	NOUN
fsr-3465	420	18	are	be	AUX
fsr-3465	420	19	(	(	PUNCT
fsr-3465	420	20	1	1	X
fsr-3465	420	21	)	)	PUNCT
fsr-3465	420	22	reasonably	reasonably	ADV
fsr-3465	420	23	high	high	ADJ
fsr-3465	420	24	academic	academic	ADJ
fsr-3465	420	25	achievers	achiever	NOUN
fsr-3465	420	26	,	,	PUNCT
fsr-3465	420	27	having	have	VERB
fsr-3465	420	28	an	an	DET
fsr-3465	420	29	average	average	ADJ
fsr-3465	420	30	gpa	gpa	NOUN
fsr-3465	420	31	of	of	ADP
fsr-3465	420	32	3.4	3.4	NUM
fsr-3465	420	33	,	,	PUNCT
fsr-3465	420	34	(	(	PUNCT
fsr-3465	420	35	2	2	X
fsr-3465	420	36	)	)	PUNCT
fsr-3465	420	37	mostly	mostly	ADV
fsr-3465	420	38	women	woman	NOUN
fsr-3465	420	39	,	,	PUNCT
fsr-3465	420	40	and	and	CCONJ
fsr-3465	420	41	have	have	VERB
fsr-3465	420	42	(	(	PUNCT
fsr-3465	420	43	3	3	NUM
fsr-3465	420	44	)	)	PUNCT
fsr-3465	420	45	minimal	minimal	ADJ
fsr-3465	420	46	student	student	NOUN
fsr-3465	420	47	loans	loan	NOUN
fsr-3465	420	48	and	and	CCONJ
fsr-3465	420	49	minimal	minimal	ADJ
fsr-3465	420	50	self	self	NOUN
fsr-3465	420	51	-	-	PUNCT
fsr-3465	420	52	funding	funding	NOUN
fsr-3465	420	53	.	.	PUNCT
fsr-3465	421	1	relatively	relatively	ADV
fsr-3465	421	2	few	few	ADJ
fsr-3465	421	3	minorities	minority	NOUN
fsr-3465	421	4	participated	participate	VERB
fsr-3465	421	5	in	in	ADP
fsr-3465	421	6	the	the	DET
fsr-3465	421	7	study	study	NOUN
fsr-3465	421	8	,	,	PUNCT
fsr-3465	421	9	although	although	SCONJ
fsr-3465	421	10	the	the	DET
fsr-3465	421	11	authors	author	NOUN
fsr-3465	421	12	suspect	suspect	VERB
fsr-3465	421	13	that	that	PRON
fsr-3465	421	14	is	be	AUX
fsr-3465	421	15	due	due	ADJ
fsr-3465	421	16	,	,	PUNCT
fsr-3465	421	17	in	in	ADP
fsr-3465	421	18	part	part	NOUN
fsr-3465	421	19	,	,	PUNCT
fsr-3465	421	20	to	to	ADP
fsr-3465	421	21	university	university	NOUN
fsr-3465	421	22	demographics	demographic	NOUN
fsr-3465	421	23	.	.	PUNCT
fsr-3465	422	1	the	the	DET
fsr-3465	422	2	average	average	ADJ
fsr-3465	422	3	study	study	NOUN
fsr-3465	422	4	participant	participant	NOUN
fsr-3465	422	5	is	be	AUX
fsr-3465	422	6	from	from	ADP
fsr-3465	422	7	a	a	DET
fsr-3465	422	8	relatively	relatively	ADV
fsr-3465	422	9	wealthy	wealthy	ADJ
fsr-3465	422	10	household	household	NOUN
fsr-3465	422	11	;	;	PUNCT
fsr-3465	422	12	income	income	NOUN
fsr-3465	422	13	averages	average	NOUN
fsr-3465	422	14	approximately	approximately	ADV
fsr-3465	422	15	4.7	4.7	NUM
fsr-3465	422	16	,	,	PUNCT
fsr-3465	422	17	which	which	PRON
fsr-3465	422	18	is	be	AUX
fsr-3465	422	19	a	a	DET
fsr-3465	422	20	categorical	categorical	ADJ
fsr-3465	422	21	ranking	ranking	NOUN
fsr-3465	422	22	corresponding	corresponding	NOUN
fsr-3465	422	23	with	with	ADP
fsr-3465	422	24	an	an	DET
fsr-3465	422	25	average	average	ADJ
fsr-3465	422	26	family	family	NOUN
fsr-3465	422	27	income	income	NOUN
fsr-3465	422	28	between	between	ADP
fsr-3465	422	29	$	$	SYM
fsr-3465	422	30	100,000	100,000	NUM
fsr-3465	422	31	and	and	CCONJ
fsr-3465	422	32	$	$	SYM
fsr-3465	422	33	150,000	150,000	NUM
fsr-3465	422	34	.	.	PUNCT
fsr-3465	423	1	just	just	ADV
fsr-3465	423	2	under	under	ADP
fsr-3465	423	3	25	25	NUM
fsr-3465	423	4	%	%	NOUN
fsr-3465	423	5	of	of	ADP
fsr-3465	423	6	study	study	NOUN
fsr-3465	423	7	participants	participant	NOUN
fsr-3465	423	8	were	be	AUX
fsr-3465	423	9	majoring	major	VERB
fsr-3465	423	10	in	in	ADP
fsr-3465	423	11	economics	economic	NOUN
fsr-3465	423	12	,	,	PUNCT
fsr-3465	423	13	business	business	NOUN
fsr-3465	423	14	,	,	PUNCT
fsr-3465	423	15	or	or	CCONJ
fsr-3465	423	16	accounting	accounting	NOUN
fsr-3465	423	17	.	.	PUNCT
fsr-3465	424	1	approximately	approximately	ADV
fsr-3465	424	2	7	7	NUM
fsr-3465	424	3	%	%	NOUN
fsr-3465	424	4	of	of	ADP
fsr-3465	424	5	presurvey	presurvey	NOUN
fsr-3465	424	6	responders	responder	NOUN
fsr-3465	424	7	failed	fail	VERB
fsr-3465	424	8	to	to	PART
fsr-3465	424	9	answer	answer	VERB
fsr-3465	424	10	the	the	DET
fsr-3465	424	11	retirement	retirement	NOUN
fsr-3465	424	12	question	question	NOUN
fsr-3465	424	13	and	and	CCONJ
fsr-3465	424	14	approximately	approximately	ADV
fsr-3465	424	15	16	16	NUM
fsr-3465	424	16	%	%	NOUN
fsr-3465	424	17	of	of	ADP
fsr-3465	424	18	study	study	NOUN
fsr-3465	424	19	participants	participant	NOUN
fsr-3465	424	20	have	have	VERB
fsr-3465	424	21	a	a	DET
fsr-3465	424	22	family	family	NOUN
fsr-3465	424	23	member	member	NOUN
fsr-3465	424	24	in	in	ADP
fsr-3465	424	25	the	the	DET
fsr-3465	424	26	financial	financial	ADJ
fsr-3465	424	27	services	service	NOUN
fsr-3465	424	28	industry	industry	NOUN
fsr-3465	424	29	.	.	PUNCT
fsr-3465	425	1	regarding	regard	VERB
fsr-3465	425	2	need	need	NOUN
fsr-3465	425	3	for	for	ADP
fsr-3465	425	4	cognition	cognition	NOUN
fsr-3465	425	5	,	,	PUNCT
fsr-3465	425	6	on	on	ADP
fsr-3465	425	7	a	a	DET
fsr-3465	425	8	90	90	NUM
fsr-3465	425	9	-	-	PUNCT
fsr-3465	425	10	point	point	NOUN
fsr-3465	425	11	scale	scale	NOUN
fsr-3465	425	12	with	with	ADP
fsr-3465	425	13	90	90	NUM
fsr-3465	425	14	suggesting	suggest	VERB
fsr-3465	425	15	a	a	DET
fsr-3465	425	16	substantially	substantially	ADV
fsr-3465	425	17	high	high	ADJ
fsr-3465	425	18	need	need	NOUN
fsr-3465	425	19	for	for	ADP
fsr-3465	425	20	cognition	cognition	NOUN
fsr-3465	425	21	,	,	PUNCT
fsr-3465	425	22	study	study	NOUN
fsr-3465	425	23	participants	participant	NOUN
fsr-3465	425	24	show	show	VERB
fsr-3465	425	25	a	a	DET
fsr-3465	425	26	slightly	slightly	ADV
fsr-3465	425	27	higher	high	ADJ
fsr-3465	425	28	than	than	ADP
fsr-3465	425	29	average	average	ADJ
fsr-3465	425	30	need	need	NOUN
fsr-3465	425	31	for	for	ADP
fsr-3465	425	32	cognition	cognition	NOUN
fsr-3465	425	33	at	at	ADP
fsr-3465	425	34	around	around	ADP
fsr-3465	425	35	62	62	NUM
fsr-3465	425	36	.	.	PUNCT
fsr-3465	426	1	5.5	5.5	NUM
fsr-3465	426	2	.	.	PUNCT
fsr-3465	427	1	knowledge	knowledge	NOUN
fsr-3465	427	2	and	and	CCONJ
fsr-3465	427	3	confidence	confidence	NOUN
fsr-3465	427	4	scores	score	NOUN
fsr-3465	427	5	pre	pre	ADJ
fsr-3465	427	6	-	-	ADJ
fsr-3465	427	7	pfp	pfp	ADJ
fsr-3465	427	8	completion	completion	NOUN
fsr-3465	427	9	survey	survey	NOUN
fsr-3465	427	10	results	result	NOUN
fsr-3465	427	11	of	of	ADP
fsr-3465	427	12	financial	financial	ADJ
fsr-3465	427	13	knowledge	knowledge	NOUN
fsr-3465	427	14	scores	score	NOUN
fsr-3465	427	15	show	show	VERB
fsr-3465	427	16	that	that	SCONJ
fsr-3465	427	17	all	all	DET
fsr-3465	427	18	respondents	respondent	NOUN
fsr-3465	427	19	correctly	correctly	ADV
fsr-3465	427	20	answer	answer	VERB
fsr-3465	427	21	14.23	14.23	NUM
fsr-3465	427	22	questions	question	NOUN
fsr-3465	427	23	out	out	ADP
fsr-3465	427	24	of	of	ADP
fsr-3465	427	25	20	20	NUM
fsr-3465	427	26	(	(	PUNCT
fsr-3465	427	27	see	see	VERB
fsr-3465	427	28	column	column	NOUN
fsr-3465	427	29	1	1	NUM
fsr-3465	427	30	in	in	ADP
fsr-3465	427	31	table	table	NOUN
fsr-3465	427	32	2	2	NUM
fsr-3465	427	33	)	)	PUNCT
fsr-3465	427	34	.	.	PUNCT
fsr-3465	428	1	however	however	ADV
fsr-3465	428	2	,	,	PUNCT
fsr-3465	428	3	the	the	DET
fsr-3465	428	4	control	control	PROPN
fsr-3465	428	5	group	group	PROPN
fsr-3465	428	6	average	average	NOUN
fsr-3465	428	7	is	be	AUX
fsr-3465	428	8	14.26	14.26	NUM
fsr-3465	428	9	,	,	PUNCT
fsr-3465	428	10	while	while	SCONJ
fsr-3465	428	11	that	that	PRON
fsr-3465	428	12	for	for	ADP
fsr-3465	428	13	the	the	DET
fsr-3465	428	14	treatment	treatment	NOUN
fsr-3465	428	15	group	group	NOUN
fsr-3465	428	16	is	be	AUX
fsr-3465	428	17	14.19	14.19	NUM
fsr-3465	428	18	(	(	PUNCT
fsr-3465	428	19	columns	column	NOUN
fsr-3465	428	20	2	2	NUM
fsr-3465	428	21	and	and	CCONJ
fsr-3465	428	22	3	3	NUM
fsr-3465	428	23	in	in	ADP
fsr-3465	428	24	table	table	NOUN
fsr-3465	428	25	2	2	NUM
fsr-3465	428	26	)	)	PUNCT
fsr-3465	428	27	,	,	PUNCT
fsr-3465	428	28	which	which	PRON
fsr-3465	428	29	is	be	AUX
fsr-3465	428	30	not	not	PART
fsr-3465	428	31	statistically	statistically	ADV
fsr-3465	428	32	different	different	ADJ
fsr-3465	428	33	.	.	PUNCT
fsr-3465	429	1	however	however	ADV
fsr-3465	429	2	,	,	PUNCT
fsr-3465	429	3	after	after	ADP
fsr-3465	429	4	pfp	pfp	PROPN
fsr-3465	429	5	completion	completion	PROPN
fsr-3465	429	6	,	,	PUNCT
fsr-3465	429	7	knowledge	knowledge	NOUN
fsr-3465	429	8	scores	score	NOUN
fsr-3465	429	9	improve	improve	VERB
fsr-3465	429	10	significantly	significantly	ADV
fsr-3465	429	11	for	for	ADP
fsr-3465	429	12	the	the	DET
fsr-3465	429	13	pfp	pfp	PROPN
fsr-3465	429	14	participants	participant	NOUN
fsr-3465	429	15	,	,	PUNCT
fsr-3465	429	16	a	a	DET
fsr-3465	429	17	change	change	NOUN
fsr-3465	429	18	from	from	ADP
fsr-3465	429	19	14.19	14.19	NUM
fsr-3465	429	20	to	to	ADP
fsr-3465	429	21	15.34	15.34	NUM
fsr-3465	429	22	—	—	PUNCT
fsr-3465	429	23	column	column	NOUN
fsr-3465	429	24	(	(	PUNCT
fsr-3465	429	25	2	2	NUM
fsr-3465	429	26	)	)	PUNCT
fsr-3465	429	27	,	,	PUNCT
fsr-3465	429	28	compared	compare	VERB
fsr-3465	429	29	with	with	ADP
fsr-3465	429	30	no	no	DET
fsr-3465	429	31	statistical	statistical	ADJ
fsr-3465	429	32	change	change	NOUN
fsr-3465	429	33	from	from	ADP
fsr-3465	429	34	14.26	14.26	NUM
fsr-3465	429	35	to	to	ADP
fsr-3465	429	36	14.44	14.44	NUM
fsr-3465	429	37	(	(	PUNCT
fsr-3465	429	38	column	column	NOUN
fsr-3465	429	39	3	3	NUM
fsr-3465	429	40	)	)	PUNCT
fsr-3465	429	41	for	for	ADP
fsr-3465	429	42	the	the	DET
fsr-3465	429	43	control	control	NOUN
fsr-3465	429	44	group	group	NOUN
fsr-3465	429	45	.	.	PUNCT
fsr-3465	430	1	additionally	additionally	ADV
fsr-3465	430	2	,	,	PUNCT
fsr-3465	430	3	financial	financial	ADJ
fsr-3465	430	4	confidence	confidence	NOUN
fsr-3465	430	5	metrics	metric	NOUN
fsr-3465	430	6	also	also	ADV
fsr-3465	430	7	improve	improve	VERB
fsr-3465	430	8	in	in	ADP
fsr-3465	430	9	a	a	DET
fsr-3465	430	10	statistically	statistically	ADV
fsr-3465	430	11	significant	significant	ADJ
fsr-3465	430	12	j.	j.	PROPN
fsr-3465	430	13	handy	handy	PROPN
fsr-3465	430	14	et	et	PROPN
fsr-3465	430	15	al	al	PROPN
fsr-3465	430	16	.	.	PUNCT
fsr-3465	431	1	/	/	SYM
fsr-3465	431	2	financial	financial	ADJ
fsr-3465	431	3	services	service	NOUN
fsr-3465	431	4	review	review	VERB
fsr-3465	431	5	29	29	NUM
fsr-3465	431	6	(	(	PUNCT
fsr-3465	431	7	2021	2021	NUM
fsr-3465	431	8	)	)	PUNCT
fsr-3465	432	1	315–341	315–341	NUM
fsr-3465	432	2	331	331	NUM
fsr-3465	432	3	way	way	NOUN
fsr-3465	432	4	for	for	ADP
fsr-3465	432	5	pfp	pfp	PROPN
fsr-3465	432	6	participants	participant	NOUN
fsr-3465	432	7	(	(	PUNCT
fsr-3465	432	8	from	from	ADP
fsr-3465	432	9	2.357	2.357	NUM
fsr-3465	432	10	to	to	ADP
fsr-3465	432	11	3.357	3.357	NUM
fsr-3465	432	12	—	—	PUNCT
fsr-3465	432	13	based	base	VERB
fsr-3465	432	14	on	on	ADP
fsr-3465	432	15	a	a	DET
fsr-3465	432	16	5	5	NUM
fsr-3465	432	17	-	-	PUNCT
fsr-3465	432	18	point	point	NOUN
fsr-3465	432	19	scale	scale	NOUN
fsr-3465	432	20	)	)	PUNCT
fsr-3465	432	21	,	,	PUNCT
fsr-3465	432	22	while	while	SCONJ
fsr-3465	432	23	there	there	PRON
fsr-3465	432	24	is	be	VERB
fsr-3465	432	25	no	no	DET
fsr-3465	432	26	change	change	NOUN
fsr-3465	432	27	for	for	ADP
fsr-3465	432	28	the	the	DET
fsr-3465	432	29	control	control	NOUN
fsr-3465	432	30	group	group	NOUN
fsr-3465	432	31	,	,	PUNCT
fsr-3465	432	32	where	where	SCONJ
fsr-3465	432	33	metrics	metric	NOUN
fsr-3465	432	34	remain	remain	VERB
fsr-3465	432	35	largely	largely	ADV
fsr-3465	432	36	unchanged	unchanged	ADJ
fsr-3465	432	37	(	(	PUNCT
fsr-3465	432	38	2.943	2.943	NUM
fsr-3465	432	39	to	to	ADP
fsr-3465	432	40	3.045	3.045	NUM
fsr-3465	432	41	)	)	PUNCT
fsr-3465	432	42	.	.	PUNCT
fsr-3465	433	1	equally	equally	ADV
fsr-3465	433	2	important	important	ADJ
fsr-3465	433	3	,	,	PUNCT
fsr-3465	433	4	whereas	whereas	SCONJ
fsr-3465	433	5	the	the	DET
fsr-3465	433	6	control	control	NOUN
fsr-3465	433	7	(	(	PUNCT
fsr-3465	433	8	2.943	2.943	NUM
fsr-3465	433	9	)	)	PUNCT
fsr-3465	433	10	group	group	NOUN
fsr-3465	433	11	’s	’s	PART
fsr-3465	433	12	pre	pre	ADJ
fsr-3465	433	13	-	-	ADJ
fsr-3465	433	14	pfp	pfp	ADJ
fsr-3465	433	15	confidence	confidence	NOUN
fsr-3465	433	16	is	be	AUX
fsr-3465	433	17	statistically	statistically	ADV
fsr-3465	433	18	higher	high	ADJ
fsr-3465	433	19	than	than	ADP
fsr-3465	433	20	the	the	DET
fsr-3465	433	21	treatment	treatment	NOUN
fsr-3465	433	22	(	(	PUNCT
fsr-3465	433	23	2.348	2.348	NUM
fsr-3465	433	24	)	)	PUNCT
fsr-3465	433	25	group	group	NOUN
fsr-3465	433	26	’s	’s	ADV
fsr-3465	433	27	,	,	PUNCT
fsr-3465	433	28	the	the	DET
fsr-3465	433	29	treatment	treatment	NOUN
fsr-3465	433	30	(	(	PUNCT
fsr-3465	433	31	3.362	3.362	NUM
fsr-3465	433	32	)	)	PUNCT
fsr-3465	433	33	group	group	NOUN
fsr-3465	433	34	’s	’s	PART
fsr-3465	433	35	post	post	ADJ
fsr-3465	433	36	-	-	ADJ
fsr-3465	433	37	pfp	pfp	ADJ
fsr-3465	433	38	confidence	confidence	NOUN
fsr-3465	433	39	is	be	AUX
fsr-3465	433	40	statistically	statistically	ADV
fsr-3465	433	41	higher	high	ADJ
fsr-3465	433	42	than	than	ADP
fsr-3465	433	43	the	the	DET
fsr-3465	433	44	control	control	NOUN
fsr-3465	433	45	(	(	PUNCT
fsr-3465	433	46	3.045	3.045	NUM
fsr-3465	433	47	)	)	PUNCT
fsr-3465	433	48	group	group	NOUN
fsr-3465	433	49	.	.	PUNCT
fsr-3465	434	1	in	in	ADP
fsr-3465	434	2	summary	summary	NOUN
fsr-3465	434	3	,	,	PUNCT
fsr-3465	434	4	the	the	DET
fsr-3465	434	5	univariate	univariate	ADJ
fsr-3465	434	6	statistics	statistic	NOUN
fsr-3465	434	7	support	support	VERB
fsr-3465	434	8	hypotheses	hypothesis	NOUN
fsr-3465	434	9	1	1	NUM
fsr-3465	434	10	and	and	CCONJ
fsr-3465	434	11	4	4	NUM
fsr-3465	434	12	(	(	PUNCT
fsr-3465	434	13	hypothesis	hypothesis	NOUN
fsr-3465	434	14	2	2	NUM
fsr-3465	434	15	and	and	CCONJ
fsr-3465	434	16	3	3	NUM
fsr-3465	434	17	are	be	AUX
fsr-3465	434	18	not	not	PART
fsr-3465	434	19	tested	test	VERB
fsr-3465	434	20	here	here	ADV
fsr-3465	434	21	)	)	PUNCT
fsr-3465	434	22	.	.	PUNCT
fsr-3465	435	1	pfp	pfp	PROPN
fsr-3465	435	2	participants	participant	NOUN
fsr-3465	435	3	improve	improve	VERB
fsr-3465	435	4	both	both	PRON
fsr-3465	435	5	their	their	PRON
fsr-3465	435	6	financial	financial	ADJ
fsr-3465	435	7	knowledge	knowledge	NOUN
fsr-3465	435	8	and	and	CCONJ
fsr-3465	435	9	their	their	PRON
fsr-3465	435	10	confidence	confidence	NOUN
fsr-3465	435	11	in	in	ADP
fsr-3465	435	12	their	their	PRON
fsr-3465	435	13	financial	financial	ADJ
fsr-3465	435	14	future	future	NOUN
fsr-3465	435	15	while	while	SCONJ
fsr-3465	435	16	the	the	DET
fsr-3465	435	17	control	control	NOUN
fsr-3465	435	18	group	group	NOUN
fsr-3465	435	19	does	do	VERB
fsr-3465	435	20	not	not	PART
fsr-3465	435	21	.	.	PUNCT
fsr-3465	436	1	the	the	DET
fsr-3465	436	2	improvement	improvement	NOUN
fsr-3465	436	3	in	in	ADP
fsr-3465	436	4	confidence	confidence	NOUN
fsr-3465	436	5	is	be	AUX
fsr-3465	436	6	particularly	particularly	ADV
fsr-3465	436	7	compelling	compelling	ADJ
fsr-3465	436	8	.	.	PUNCT
fsr-3465	437	1	before	before	ADP
fsr-3465	437	2	going	go	VERB
fsr-3465	437	3	through	through	ADP
fsr-3465	437	4	the	the	DET
fsr-3465	437	5	pfp	pfp	PROPN
fsr-3465	437	6	,	,	PUNCT
fsr-3465	437	7	participants	participant	NOUN
fsr-3465	437	8	have	have	VERB
fsr-3465	437	9	a	a	DET
fsr-3465	437	10	lower	low	ADJ
fsr-3465	437	11	level	level	NOUN
fsr-3465	437	12	of	of	ADP
fsr-3465	437	13	confidence	confidence	NOUN
fsr-3465	437	14	than	than	ADP
fsr-3465	437	15	the	the	DET
fsr-3465	437	16	control	control	NOUN
fsr-3465	437	17	group	group	NOUN
fsr-3465	437	18	.	.	PUNCT
fsr-3465	438	1	however	however	ADV
fsr-3465	438	2	,	,	PUNCT
fsr-3465	438	3	after	after	ADP
fsr-3465	438	4	completing	complete	VERB
fsr-3465	438	5	the	the	DET
fsr-3465	438	6	program	program	NOUN
fsr-3465	438	7	,	,	PUNCT
fsr-3465	438	8	not	not	PART
fsr-3465	438	9	only	only	ADV
fsr-3465	438	10	does	do	AUX
fsr-3465	438	11	the	the	DET
fsr-3465	438	12	treatment	treatment	NOUN
fsr-3465	438	13	group	group	NOUN
fsr-3465	438	14	improve	improve	VERB
fsr-3465	438	15	their	their	PRON
fsr-3465	438	16	confidence	confidence	NOUN
fsr-3465	438	17	,	,	PUNCT
fsr-3465	438	18	but	but	CCONJ
fsr-3465	438	19	it	it	PRON
fsr-3465	438	20	exceeds	exceed	VERB
fsr-3465	438	21	that	that	PRON
fsr-3465	438	22	of	of	ADP
fsr-3465	438	23	the	the	DET
fsr-3465	438	24	control	control	NOUN
fsr-3465	438	25	group	group	NOUN
fsr-3465	438	26	.	.	PUNCT
fsr-3465	439	1	combined	combine	VERB
fsr-3465	439	2	,	,	PUNCT
fsr-3465	439	3	the	the	DET
fsr-3465	439	4	univariate	univariate	ADJ
fsr-3465	439	5	results	result	NOUN
fsr-3465	439	6	for	for	ADP
fsr-3465	439	7	knowscore	knowscore	NOUN
fsr-3465	439	8	and	and	CCONJ
fsr-3465	439	9	confidence	confidence	NOUN
fsr-3465	439	10	are	be	AUX
fsr-3465	439	11	promising	promise	VERB
fsr-3465	439	12	,	,	PUNCT
fsr-3465	439	13	and	and	CCONJ
fsr-3465	439	14	the	the	DET
fsr-3465	439	15	improvement	improvement	NOUN
fsr-3465	439	16	in	in	ADP
fsr-3465	439	17	confidence	confidence	NOUN
fsr-3465	439	18	seems	seem	VERB
fsr-3465	439	19	to	to	PART
fsr-3465	439	20	be	be	AUX
fsr-3465	439	21	well	well	ADV
fsr-3465	439	22	placed	place	VERB
fsr-3465	439	23	given	give	VERB
fsr-3465	439	24	the	the	DET
fsr-3465	439	25	improvement	improvement	NOUN
fsr-3465	439	26	in	in	ADP
fsr-3465	439	27	knowledge	knowledge	NOUN
fsr-3465	439	28	scores	score	NOUN
fsr-3465	439	29	and	and	CCONJ
fsr-3465	439	30	the	the	DET
fsr-3465	439	31	lower	low	ADJ
fsr-3465	439	32	level	level	NOUN
fsr-3465	439	33	of	of	ADP
fsr-3465	439	34	pretest	pretest	ADJ
fsr-3465	439	35	confidence	confidence	NOUN
fsr-3465	439	36	reported	report	VERB
fsr-3465	439	37	than	than	ADP
fsr-3465	439	38	the	the	DET
fsr-3465	439	39	control	control	NOUN
fsr-3465	439	40	group	group	NOUN
fsr-3465	439	41	who	who	PRON
fsr-3465	439	42	chose	choose	VERB
fsr-3465	439	43	not	not	PART
fsr-3465	439	44	to	to	PART
fsr-3465	439	45	participate	participate	VERB
fsr-3465	439	46	in	in	ADP
fsr-3465	439	47	the	the	DET
fsr-3465	439	48	program	program	NOUN
fsr-3465	439	49	.	.	PUNCT
fsr-3465	440	1	6	6	NUM
fsr-3465	440	2	.	.	X
fsr-3465	440	3	section	section	NOUN
fsr-3465	440	4	5	5	NUM
fsr-3465	440	5	:	:	PUNCT
fsr-3465	440	6	multivariate	multivariate	NOUN
fsr-3465	440	7	results	result	VERB
fsr-3465	440	8	6.1	6.1	NUM
fsr-3465	440	9	.	.	PUNCT
fsr-3465	441	1	section	section	NOUN
fsr-3465	441	2	5.1	5.1	NUM
fsr-3465	441	3	.	.	PUNCT
fsr-3465	441	4	:	:	PUNCT
fsr-3465	442	1	knowscore	knowscore	VERB
fsr-3465	442	2	the	the	DET
fsr-3465	442	3	overall	overall	ADJ
fsr-3465	442	4	interpretation	interpretation	NOUN
fsr-3465	442	5	of	of	ADP
fsr-3465	442	6	the	the	DET
fsr-3465	442	7	univariate	univariate	ADJ
fsr-3465	442	8	results	result	NOUN
fsr-3465	442	9	suggests	suggest	VERB
fsr-3465	442	10	that	that	SCONJ
fsr-3465	442	11	pfp	pfp	PROPN
fsr-3465	442	12	participation	participation	NOUN
fsr-3465	442	13	improves	improve	VERB
fsr-3465	442	14	both	both	DET
fsr-3465	442	15	financial	financial	ADJ
fsr-3465	442	16	knowledge	knowledge	NOUN
fsr-3465	442	17	and	and	CCONJ
fsr-3465	442	18	confidence	confidence	NOUN
fsr-3465	442	19	in	in	ADP
fsr-3465	442	20	the	the	DET
fsr-3465	442	21	ability	ability	NOUN
fsr-3465	442	22	to	to	PART
fsr-3465	442	23	manage	manage	VERB
fsr-3465	442	24	one	one	NUM
fsr-3465	442	25	’s	’s	PART
fsr-3465	442	26	financial	financial	ADJ
fsr-3465	442	27	future	future	NOUN
fsr-3465	442	28	;	;	PUNCT
fsr-3465	442	29	the	the	DET
fsr-3465	442	30	finding	finding	NOUN
fsr-3465	442	31	that	that	SCONJ
fsr-3465	442	32	the	the	DET
fsr-3465	442	33	control	control	NOUN
fsr-3465	442	34	group	group	NOUN
fsr-3465	442	35	shows	show	VERB
fsr-3465	442	36	no	no	DET
fsr-3465	442	37	such	such	ADJ
fsr-3465	442	38	improvement	improvement	NOUN
fsr-3465	442	39	strengthens	strengthen	VERB
fsr-3465	442	40	the	the	DET
fsr-3465	442	41	conclusion	conclusion	NOUN
fsr-3465	442	42	that	that	SCONJ
fsr-3465	442	43	these	these	DET
fsr-3465	442	44	improvements	improvement	NOUN
fsr-3465	442	45	are	be	AUX
fsr-3465	442	46	a	a	DET
fsr-3465	442	47	product	product	NOUN
fsr-3465	442	48	of	of	ADP
fsr-3465	442	49	the	the	DET
fsr-3465	442	50	program	program	NOUN
fsr-3465	442	51	and	and	CCONJ
fsr-3465	442	52	not	not	PART
fsr-3465	442	53	due	due	ADP
fsr-3465	442	54	to	to	ADP
fsr-3465	442	55	time	time	NOUN
fsr-3465	442	56	or	or	CCONJ
fsr-3465	442	57	a	a	DET
fsr-3465	442	58	practice	practice	NOUN
fsr-3465	442	59	effect	effect	NOUN
fsr-3465	442	60	(	(	PUNCT
fsr-3465	442	61	e.g.	e.g.	ADV
fsr-3465	442	62	,	,	PUNCT
fsr-3465	442	63	taking	take	VERB
fsr-3465	442	64	the	the	DET
fsr-3465	442	65	knowledge	knowledge	NOUN
fsr-3465	442	66	test	test	NOUN
fsr-3465	442	67	twice	twice	ADV
fsr-3465	442	68	)	)	PUNCT
fsr-3465	442	69	.	.	PUNCT
fsr-3465	443	1	we	we	PRON
fsr-3465	443	2	now	now	ADV
fsr-3465	443	3	more	more	ADV
fsr-3465	443	4	robustly	robustly	ADV
fsr-3465	443	5	scrutinize	scrutinize	VERB
fsr-3465	443	6	our	our	PRON
fsr-3465	443	7	findings	finding	NOUN
fsr-3465	443	8	using	use	VERB
fsr-3465	443	9	a	a	DET
fsr-3465	443	10	multivariate	multivariate	NOUN
fsr-3465	443	11	framework	framework	NOUN
fsr-3465	443	12	using	use	VERB
fsr-3465	443	13	eq	eq	X
fsr-3465	443	14	.	.	PUNCT
fsr-3465	444	1	(	(	PUNCT
fsr-3465	444	2	1	1	NUM
fsr-3465	444	3	)	)	PUNCT
fsr-3465	444	4	from	from	ADP
fsr-3465	444	5	above	above	ADV
fsr-3465	444	6	.	.	PUNCT
fsr-3465	445	1	column	column	NOUN
fsr-3465	445	2	(	(	PUNCT
fsr-3465	445	3	1	1	X
fsr-3465	445	4	)	)	PUNCT
fsr-3465	445	5	of	of	ADP
fsr-3465	445	6	table	table	NOUN
fsr-3465	445	7	3	3	NUM
fsr-3465	445	8	presents	present	VERB
fsr-3465	445	9	the	the	DET
fsr-3465	445	10	baseline	baseline	NOUN
fsr-3465	445	11	model	model	NOUN
fsr-3465	445	12	results	result	NOUN
fsr-3465	445	13	for	for	ADP
fsr-3465	445	14	our	our	PRON
fsr-3465	445	15	matched	match	VERB
fsr-3465	445	16	sample	sample	NOUN
fsr-3465	445	17	.	.	PUNCT
fsr-3465	446	1	in	in	ADP
fsr-3465	446	2	table	table	NOUN
fsr-3465	446	3	2	2	NUM
fsr-3465	446	4	,	,	PUNCT
fsr-3465	446	5	there	there	PRON
fsr-3465	446	6	are	be	VERB
fsr-3465	446	7	161	161	NUM
fsr-3465	446	8	students	student	NOUN
fsr-3465	446	9	(	(	PUNCT
fsr-3465	446	10	70	70	NUM
fsr-3465	446	11	treatment	treatment	NOUN
fsr-3465	446	12	and	and	CCONJ
fsr-3465	446	13	91	91	NUM
fsr-3465	446	14	control	control	NOUN
fsr-3465	446	15	)	)	PUNCT
fsr-3465	446	16	who	who	PRON
fsr-3465	446	17	fully	fully	ADV
fsr-3465	446	18	responded	respond	VERB
fsr-3465	446	19	to	to	ADP
fsr-3465	446	20	both	both	DET
fsr-3465	446	21	surveys	survey	NOUN
fsr-3465	446	22	.	.	PUNCT
fsr-3465	447	1	the	the	DET
fsr-3465	447	2	sample	sample	NOUN
fsr-3465	447	3	size	size	NOUN
fsr-3465	447	4	here	here	ADV
fsr-3465	447	5	is	be	AUX
fsr-3465	447	6	322	322	NUM
fsr-3465	447	7	,	,	PUNCT
fsr-3465	447	8	representing	represent	VERB
fsr-3465	447	9	an	an	DET
fsr-3465	447	10	observation	observation	NOUN
fsr-3465	447	11	for	for	ADP
fsr-3465	447	12	the	the	DET
fsr-3465	447	13	preand	preand	NOUN
fsr-3465	447	14	post	post	ADJ
fsr-3465	447	15	-	-	ADJ
fsr-3465	447	16	survey	survey	ADJ
fsr-3465	447	17	responses	response	NOUN
fsr-3465	447	18	.	.	PUNCT
fsr-3465	448	1	before	before	ADP
fsr-3465	448	2	addressing	address	VERB
fsr-3465	448	3	the	the	DET
fsr-3465	448	4	hypotheses	hypothesis	NOUN
fsr-3465	448	5	directly	directly	ADV
fsr-3465	448	6	,	,	PUNCT
fsr-3465	448	7	we	we	PRON
fsr-3465	448	8	briefly	briefly	ADV
fsr-3465	448	9	discuss	discuss	VERB
fsr-3465	448	10	the	the	DET
fsr-3465	448	11	control	control	NOUN
fsr-3465	448	12	variables	variable	NOUN
fsr-3465	448	13	.	.	PUNCT
fsr-3465	449	1	neither	neither	CCONJ
fsr-3465	449	2	funding	fund	VERB
fsr-3465	449	3	their	their	PRON
fsr-3465	449	4	education	education	NOUN
fsr-3465	449	5	with	with	ADP
fsr-3465	449	6	more	more	ADJ
fsr-3465	449	7	debt	debt	NOUN
fsr-3465	449	8	nor	nor	CCONJ
fsr-3465	449	9	more	more	ADJ
fsr-3465	449	10	self	self	NOUN
fsr-3465	449	11	-	-	PUNCT
fsr-3465	449	12	funding	funding	NOUN
fsr-3465	449	13	influences	influence	VERB
fsr-3465	449	14	a	a	DET
fsr-3465	449	15	student	student	NOUN
fsr-3465	449	16	’s	’s	PART
fsr-3465	449	17	preor	preor	NOUN
fsr-3465	449	18	postknowledge	postknowledge	PROPN
fsr-3465	449	19	score	score	NOUN
fsr-3465	449	20	.	.	PUNCT
fsr-3465	450	1	additionally	additionally	ADV
fsr-3465	450	2	,	,	PUNCT
fsr-3465	450	3	students	student	NOUN
fsr-3465	450	4	not	not	PART
fsr-3465	450	5	answering	answer	VERB
fsr-3465	450	6	the	the	DET
fsr-3465	450	7	question	question	NOUN
fsr-3465	450	8	regarding	regard	VERB
fsr-3465	450	9	the	the	DET
fsr-3465	450	10	amount	amount	NOUN
fsr-3465	450	11	needed	need	VERB
fsr-3465	450	12	for	for	ADP
fsr-3465	450	13	retirement	retirement	NOUN
fsr-3465	450	14	,	,	PUNCT
fsr-3465	450	15	or	or	CCONJ
fsr-3465	450	16	having	have	VERB
fsr-3465	450	17	parents	parent	NOUN
fsr-3465	450	18	who	who	PRON
fsr-3465	450	19	work	work	VERB
fsr-3465	450	20	in	in	ADP
fsr-3465	450	21	the	the	DET
fsr-3465	450	22	financial	financial	ADJ
fsr-3465	450	23	services	service	NOUN
fsr-3465	450	24	industry	industry	NOUN
fsr-3465	450	25	has	have	VERB
fsr-3465	450	26	any	any	DET
fsr-3465	450	27	impact	impact	NOUN
fsr-3465	450	28	on	on	ADP
fsr-3465	450	29	preor	preor	NOUN
fsr-3465	450	30	post	post	ADJ
fsr-3465	450	31	-	-	ADJ
fsr-3465	450	32	student	student	ADJ
fsr-3465	450	33	knowledge	knowledge	NOUN
fsr-3465	450	34	scores	score	NOUN
fsr-3465	450	35	.	.	PUNCT
fsr-3465	451	1	however	however	ADV
fsr-3465	451	2	,	,	PUNCT
fsr-3465	451	3	students	student	NOUN
fsr-3465	451	4	with	with	ADP
fsr-3465	451	5	higher	high	ADJ
fsr-3465	451	6	gpa	gpa	PROPN
fsr-3465	451	7	’s	’s	PART
fsr-3465	451	8	have	have	VERB
fsr-3465	451	9	higher	high	ADJ
fsr-3465	451	10	preand	preand	NOUN
fsr-3465	451	11	postknowledge	postknowledge	NOUN
fsr-3465	451	12	scores	score	NOUN
fsr-3465	451	13	,	,	PUNCT
fsr-3465	451	14	as	as	SCONJ
fsr-3465	451	15	do	do	VERB
fsr-3465	451	16	students	student	NOUN
fsr-3465	451	17	who	who	PRON
fsr-3465	451	18	are	be	AUX
fsr-3465	451	19	economics	economic	NOUN
fsr-3465	451	20	,	,	PUNCT
fsr-3465	451	21	business	business	NOUN
fsr-3465	451	22	,	,	PUNCT
fsr-3465	451	23	or	or	CCONJ
fsr-3465	451	24	accounting	accounting	NOUN
fsr-3465	451	25	majors	major	NOUN
fsr-3465	451	26	,	,	PUNCT
fsr-3465	451	27	and	and	CCONJ
fsr-3465	451	28	students	student	NOUN
fsr-3465	451	29	with	with	ADP
fsr-3465	451	30	a	a	DET
fsr-3465	451	31	higher	high	ADJ
fsr-3465	451	32	need	need	NOUN
fsr-3465	451	33	for	for	ADP
fsr-3465	451	34	cognition	cognition	NOUN
fsr-3465	451	35	.	.	PUNCT
fsr-3465	452	1	the	the	DET
fsr-3465	452	2	results	result	NOUN
fsr-3465	452	3	for	for	ADP
fsr-3465	452	4	the	the	DET
fsr-3465	452	5	control	control	NOUN
fsr-3465	452	6	variables	variable	NOUN
fsr-3465	452	7	clearly	clearly	ADV
fsr-3465	452	8	demonstrate	demonstrate	VERB
fsr-3465	452	9	that	that	SCONJ
fsr-3465	452	10	the	the	DET
fsr-3465	452	11	factors	factor	NOUN
fsr-3465	452	12	influencing	influence	VERB
fsr-3465	452	13	a	a	DET
fsr-3465	452	14	student	student	NOUN
fsr-3465	452	15	’s	’s	PART
fsr-3465	452	16	financial	financial	ADJ
fsr-3465	452	17	knowledge	knowledge	NOUN
fsr-3465	452	18	are	be	AUX
fsr-3465	452	19	multifaceted	multifaceted	ADJ
fsr-3465	452	20	and	and	CCONJ
fsr-3465	452	21	not	not	PART
fsr-3465	452	22	solely	solely	ADV
fsr-3465	452	23	linked	link	VERB
fsr-3465	452	24	to	to	ADP
fsr-3465	452	25	typical	typical	ADJ
fsr-3465	452	26	demographic	demographic	ADJ
fsr-3465	452	27	information	information	NOUN
fsr-3465	452	28	;	;	PUNCT
fsr-3465	452	29	thus	thus	ADV
fsr-3465	452	30	,	,	PUNCT
fsr-3465	452	31	it	it	PRON
fsr-3465	452	32	is	be	AUX
fsr-3465	452	33	important	important	ADJ
fsr-3465	452	34	to	to	PART
fsr-3465	452	35	control	control	VERB
fsr-3465	452	36	for	for	ADP
fsr-3465	452	37	their	their	PRON
fsr-3465	452	38	influence	influence	NOUN
fsr-3465	452	39	on	on	ADP
fsr-3465	452	40	our	our	PRON
fsr-3465	452	41	results	result	NOUN
fsr-3465	452	42	.	.	PUNCT
fsr-3465	453	1	the	the	DET
fsr-3465	453	2	primary	primary	ADJ
fsr-3465	453	3	variables	variable	NOUN
fsr-3465	453	4	of	of	ADP
fsr-3465	453	5	interest	interest	NOUN
fsr-3465	453	6	initially	initially	ADV
fsr-3465	453	7	to	to	PART
fsr-3465	453	8	test	test	VERB
fsr-3465	453	9	our	our	PRON
fsr-3465	453	10	hypotheses	hypothesis	NOUN
fsr-3465	453	11	are	be	AUX
fsr-3465	453	12	post	post	ADJ
fsr-3465	453	13	pfp	pfp	PROPN
fsr-3465	453	14	dummy	dummy	NOUN
fsr-3465	453	15	,	,	PUNCT
fsr-3465	453	16	treatment	treatment	NOUN
fsr-3465	453	17	,	,	PUNCT
fsr-3465	453	18	gender	gender	NOUN
fsr-3465	453	19	,	,	PUNCT
fsr-3465	453	20	and	and	CCONJ
fsr-3465	453	21	minority	minority	NOUN
fsr-3465	453	22	.	.	PUNCT
fsr-3465	454	1	the	the	DET
fsr-3465	454	2	results	result	NOUN
fsr-3465	454	3	show	show	VERB
fsr-3465	454	4	that	that	SCONJ
fsr-3465	454	5	post	post	NOUN
fsr-3465	454	6	-	-	NOUN
fsr-3465	454	7	seminar	seminar	NOUN
fsr-3465	454	8	(	(	PUNCT
fsr-3465	454	9	post	post	VERB
fsr-3465	454	10	pfp	pfp	PROPN
fsr-3465	454	11	dummy	dummy	NOUN
fsr-3465	454	12	)	)	PUNCT
fsr-3465	454	13	knowledge	knowledge	NOUN
fsr-3465	454	14	scores	score	NOUN
fsr-3465	454	15	are	be	AUX
fsr-3465	454	16	statistically	statistically	ADV
fsr-3465	454	17	higher	high	ADJ
fsr-3465	454	18	(	(	PUNCT
fsr-3465	454	19	at	at	ADP
fsr-3465	454	20	the	the	DET
fsr-3465	454	21	5	5	NUM
fsr-3465	454	22	%	%	NOUN
fsr-3465	454	23	level	level	NOUN
fsr-3465	454	24	)	)	PUNCT
fsr-3465	454	25	than	than	ADP
fsr-3465	454	26	pre	pre	ADJ
fsr-3465	454	27	-	-	ADJ
fsr-3465	454	28	pfp	pfp	ADJ
fsr-3465	454	29	scores	score	NOUN
fsr-3465	454	30	.	.	PUNCT
fsr-3465	455	1	the	the	DET
fsr-3465	455	2	332	332	NUM
fsr-3465	455	3	j.	j.	PROPN
fsr-3465	455	4	handy	handy	PROPN
fsr-3465	455	5	et	et	PROPN
fsr-3465	455	6	al	al	PROPN
fsr-3465	455	7	.	.	PUNCT
fsr-3465	455	8	/	/	SYM
fsr-3465	455	9	financial	financial	ADJ
fsr-3465	455	10	services	service	NOUN
fsr-3465	455	11	review	review	VERB
fsr-3465	455	12	29	29	NUM
fsr-3465	455	13	(	(	PUNCT
fsr-3465	455	14	2021	2021	NUM
fsr-3465	455	15	)	)	PUNCT
fsr-3465	456	1	315–341	315–341	NUM
fsr-3465	456	2	coefficient	coefficient	NOUN
fsr-3465	456	3	estimate	estimate	NOUN
fsr-3465	456	4	for	for	ADP
fsr-3465	456	5	treatment	treatment	NOUN
fsr-3465	456	6	is	be	AUX
fsr-3465	456	7	positive	positive	ADJ
fsr-3465	456	8	but	but	CCONJ
fsr-3465	456	9	not	not	PART
fsr-3465	456	10	significant	significant	ADJ
fsr-3465	456	11	.	.	PUNCT
fsr-3465	457	1	in	in	ADP
fsr-3465	457	2	combination	combination	NOUN
fsr-3465	457	3	,	,	PUNCT
fsr-3465	457	4	these	these	DET
fsr-3465	457	5	results	result	NOUN
fsr-3465	457	6	seem	seem	VERB
fsr-3465	457	7	to	to	PART
fsr-3465	457	8	demonstrate	demonstrate	VERB
fsr-3465	457	9	that	that	SCONJ
fsr-3465	457	10	those	those	PRON
fsr-3465	457	11	participating	participate	VERB
fsr-3465	457	12	in	in	ADP
fsr-3465	457	13	the	the	DET
fsr-3465	457	14	pfp	pfp	PROPN
fsr-3465	457	15	improve	improve	VERB
fsr-3465	457	16	knowledge	knowledge	NOUN
fsr-3465	457	17	more	more	ADV
fsr-3465	457	18	than	than	ADP
fsr-3465	457	19	the	the	DET
fsr-3465	457	20	control	control	NOUN
fsr-3465	457	21	group	group	NOUN
fsr-3465	457	22	do	do	VERB
fsr-3465	457	23	not	not	PART
fsr-3465	457	24	.	.	PUNCT
fsr-3465	458	1	however	however	ADV
fsr-3465	458	2	,	,	PUNCT
fsr-3465	458	3	the	the	DET
fsr-3465	458	4	results	result	NOUN
fsr-3465	458	5	for	for	ADP
fsr-3465	458	6	the	the	DET
fsr-3465	458	7	post	post	ADJ
fsr-3465	458	8	pfp	pfp	PROPN
fsr-3465	458	9	dummy	dummy	NOUN
fsr-3465	458	10	and	and	CCONJ
fsr-3465	458	11	treatment	treatment	NOUN
fsr-3465	458	12	variables	variable	NOUN
fsr-3465	458	13	,	,	PUNCT
fsr-3465	458	14	while	while	SCONJ
fsr-3465	458	15	in	in	ADP
fsr-3465	458	16	the	the	DET
fsr-3465	458	17	direction	direction	NOUN
fsr-3465	458	18	desired	desire	VERB
fsr-3465	458	19	,	,	PUNCT
fsr-3465	458	20	do	do	AUX
fsr-3465	458	21	not	not	PART
fsr-3465	458	22	completely	completely	ADV
fsr-3465	458	23	provide	provide	VERB
fsr-3465	458	24	support	support	NOUN
fsr-3465	458	25	for	for	ADP
fsr-3465	458	26	hypothesis	hypothesis	NOUN
fsr-3465	458	27	1	1	NUM
fsr-3465	458	28	because	because	SCONJ
fsr-3465	458	29	members	member	NOUN
fsr-3465	458	30	of	of	ADP
fsr-3465	458	31	the	the	DET
fsr-3465	458	32	control	control	NOUN
fsr-3465	458	33	group	group	NOUN
fsr-3465	458	34	are	be	AUX
fsr-3465	458	35	included	include	VERB
fsr-3465	458	36	in	in	ADP
fsr-3465	458	37	the	the	DET
fsr-3465	458	38	post	post	NOUN
fsr-3465	458	39	pfp	pfp	PROPN
fsr-3465	458	40	sample	sample	NOUN
fsr-3465	458	41	,	,	PUNCT
fsr-3465	458	42	and	and	CCONJ
fsr-3465	458	43	the	the	DET
fsr-3465	458	44	treatment	treatment	NOUN
fsr-3465	458	45	variable	variable	NOUN
fsr-3465	458	46	includes	include	VERB
fsr-3465	458	47	both	both	PRON
fsr-3465	458	48	preand	preand	VERB
fsr-3465	458	49	post	post	NOUN
fsr-3465	458	50	-	-	NOUN
fsr-3465	458	51	results	result	NOUN
fsr-3465	458	52	for	for	ADP
fsr-3465	458	53	the	the	DET
fsr-3465	458	54	treatment	treatment	NOUN
fsr-3465	458	55	group	group	NOUN
fsr-3465	458	56	.	.	PUNCT
fsr-3465	459	1	column	column	NOUN
fsr-3465	459	2	(	(	PUNCT
fsr-3465	459	3	1	1	X
fsr-3465	459	4	)	)	PUNCT
fsr-3465	459	5	also	also	ADV
fsr-3465	459	6	shows	show	VERB
fsr-3465	459	7	that	that	SCONJ
fsr-3465	459	8	women	woman	NOUN
fsr-3465	459	9	have	have	VERB
fsr-3465	459	10	statistically	statistically	ADV
fsr-3465	459	11	lower	low	ADJ
fsr-3465	459	12	scores	score	NOUN
fsr-3465	459	13	than	than	ADP
fsr-3465	459	14	men	man	NOUN
fsr-3465	459	15	at	at	ADP
fsr-3465	459	16	better	well	ADJ
fsr-3465	459	17	than	than	ADP
fsr-3465	459	18	the	the	DET
fsr-3465	459	19	1	1	NUM
fsr-3465	459	20	%	%	NOUN
fsr-3465	459	21	level	level	NOUN
fsr-3465	459	22	,	,	PUNCT
fsr-3465	459	23	and	and	CCONJ
fsr-3465	459	24	minorities	minority	NOUN
fsr-3465	459	25	have	have	VERB
fsr-3465	459	26	statistically	statistically	ADV
fsr-3465	459	27	lower	low	ADJ
fsr-3465	459	28	scores	score	NOUN
fsr-3465	459	29	than	than	ADP
fsr-3465	459	30	their	their	PRON
fsr-3465	459	31	caucasian	caucasian	ADJ
fsr-3465	459	32	peers	peer	NOUN
fsr-3465	459	33	.	.	PUNCT
fsr-3465	460	1	while	while	SCONJ
fsr-3465	460	2	the	the	DET
fsr-3465	460	3	results	result	NOUN
fsr-3465	460	4	for	for	ADP
fsr-3465	460	5	our	our	PRON
fsr-3465	460	6	gender	gender	NOUN
fsr-3465	460	7	and	and	CCONJ
fsr-3465	460	8	minority	minority	NOUN
fsr-3465	460	9	variables	variable	NOUN
fsr-3465	460	10	are	be	AUX
fsr-3465	460	11	consistent	consistent	ADJ
fsr-3465	460	12	with	with	ADP
fsr-3465	460	13	prior	prior	ADJ
fsr-3465	460	14	research	research	NOUN
fsr-3465	460	15	,	,	PUNCT
fsr-3465	460	16	as	as	SCONJ
fsr-3465	460	17	presented	present	VERB
fsr-3465	460	18	,	,	PUNCT
fsr-3465	460	19	they	they	PRON
fsr-3465	460	20	do	do	AUX
fsr-3465	460	21	not	not	PART
fsr-3465	460	22	adequately	adequately	ADV
fsr-3465	460	23	address	address	VERB
fsr-3465	460	24	hypotheses	hypothesis	NOUN
fsr-3465	460	25	2	2	NUM
fsr-3465	460	26	and	and	CCONJ
fsr-3465	460	27	3	3	NUM
fsr-3465	460	28	.	.	PUNCT
fsr-3465	461	1	currently	currently	ADV
fsr-3465	461	2	,	,	PUNCT
fsr-3465	461	3	the	the	DET
fsr-3465	461	4	gender	gender	NOUN
fsr-3465	461	5	result	result	NOUN
fsr-3465	461	6	tells	tell	VERB
fsr-3465	461	7	us	we	PRON
fsr-3465	461	8	only	only	ADV
fsr-3465	461	9	that	that	SCONJ
fsr-3465	461	10	women	woman	NOUN
fsr-3465	461	11	have	have	VERB
fsr-3465	461	12	lower	low	ADJ
fsr-3465	461	13	scores	score	NOUN
fsr-3465	461	14	than	than	SCONJ
fsr-3465	461	15	do	do	VERB
fsr-3465	461	16	men	man	NOUN
fsr-3465	461	17	,	,	PUNCT
fsr-3465	461	18	but	but	CCONJ
fsr-3465	461	19	does	do	AUX
fsr-3465	461	20	not	not	PART
fsr-3465	461	21	distinguish	distinguish	VERB
fsr-3465	461	22	between	between	ADP
fsr-3465	461	23	treatment	treatment	NOUN
fsr-3465	461	24	and	and	CCONJ
fsr-3465	461	25	control	control	NOUN
fsr-3465	461	26	,	,	PUNCT
fsr-3465	461	27	nor	nor	CCONJ
fsr-3465	461	28	between	between	ADP
fsr-3465	461	29	preand	preand	NOUN
fsr-3465	461	30	post	post	NOUN
fsr-3465	461	31	-	-	NOUN
fsr-3465	461	32	scores	score	NOUN
fsr-3465	461	33	.	.	PUNCT
fsr-3465	462	1	the	the	DET
fsr-3465	462	2	same	same	ADJ
fsr-3465	462	3	is	be	AUX
fsr-3465	462	4	true	true	ADJ
fsr-3465	462	5	for	for	ADP
fsr-3465	462	6	the	the	DET
fsr-3465	462	7	minority	minority	NOUN
fsr-3465	462	8	result	result	NOUN
fsr-3465	462	9	.	.	PUNCT
fsr-3465	463	1	column	column	NOUN
fsr-3465	463	2	(	(	PUNCT
fsr-3465	463	3	2	2	NUM
fsr-3465	463	4	)	)	PUNCT
fsr-3465	463	5	more	more	ADJ
fsr-3465	463	6	directly	directly	ADV
fsr-3465	463	7	addresses	address	NOUN
fsr-3465	463	8	hypothesis	hypothesis	NOUN
fsr-3465	463	9	1	1	NUM
fsr-3465	463	10	by	by	ADP
fsr-3465	463	11	introducing	introduce	VERB
fsr-3465	463	12	the	the	DET
fsr-3465	463	13	interaction	interaction	NOUN
fsr-3465	463	14	term	term	NOUN
fsr-3465	463	15	treat*post	treat*post	ADV
fsr-3465	463	16	,	,	PUNCT
fsr-3465	463	17	which	which	PRON
fsr-3465	463	18	clearly	clearly	ADV
fsr-3465	463	19	identifies	identify	VERB
fsr-3465	463	20	observations	observation	NOUN
fsr-3465	463	21	from	from	ADP
fsr-3465	463	22	the	the	DET
fsr-3465	463	23	post	post	NOUN
fsr-3465	463	24	seminar	seminar	NOUN
fsr-3465	463	25	treatment	treatment	NOUN
fsr-3465	463	26	group	group	NOUN
fsr-3465	463	27	.	.	PUNCT
fsr-3465	464	1	the	the	DET
fsr-3465	464	2	coefficient	coefficient	ADJ
fsr-3465	464	3	estimate	estimate	NOUN
fsr-3465	464	4	on	on	ADP
fsr-3465	464	5	the	the	DET
fsr-3465	464	6	interaction	interaction	NOUN
fsr-3465	464	7	term	term	NOUN
fsr-3465	464	8	is	be	AUX
fsr-3465	464	9	positive	positive	ADJ
fsr-3465	464	10	and	and	CCONJ
fsr-3465	464	11	statistically	statistically	ADV
fsr-3465	464	12	significant	significant	ADJ
fsr-3465	464	13	at	at	ADP
fsr-3465	464	14	the	the	DET
fsr-3465	464	15	5	5	NUM
fsr-3465	464	16	%	%	NOUN
fsr-3465	464	17	level	level	NOUN
fsr-3465	464	18	,	,	PUNCT
fsr-3465	464	19	indicating	indicate	VERB
fsr-3465	464	20	the	the	DET
fsr-3465	464	21	treatment	treatment	NOUN
fsr-3465	464	22	group	group	NOUN
fsr-3465	464	23	improves	improve	VERB
fsr-3465	464	24	its	its	PRON
fsr-3465	464	25	scores	score	NOUN
fsr-3465	464	26	relative	relative	ADJ
fsr-3465	464	27	to	to	ADP
fsr-3465	464	28	the	the	DET
fsr-3465	464	29	control	control	NOUN
fsr-3465	464	30	group	group	NOUN
fsr-3465	464	31	.	.	PUNCT
fsr-3465	465	1	the	the	DET
fsr-3465	465	2	result	result	NOUN
fsr-3465	465	3	provides	provide	VERB
fsr-3465	465	4	strong	strong	ADJ
fsr-3465	465	5	support	support	NOUN
fsr-3465	465	6	for	for	ADP
fsr-3465	465	7	hypothesis	hypothesis	NOUN
fsr-3465	465	8	1	1	NUM
fsr-3465	465	9	.	.	PUNCT
fsr-3465	466	1	we	we	PRON
fsr-3465	466	2	now	now	ADV
fsr-3465	466	3	turn	turn	VERB
fsr-3465	466	4	our	our	PRON
fsr-3465	466	5	attention	attention	NOUN
fsr-3465	466	6	to	to	ADP
fsr-3465	466	7	addressing	address	VERB
fsr-3465	466	8	hypotheses	hypothesis	NOUN
fsr-3465	466	9	2	2	NUM
fsr-3465	466	10	and	and	CCONJ
fsr-3465	466	11	3	3	NUM
fsr-3465	466	12	more	more	ADV
fsr-3465	466	13	directly	directly	ADV
fsr-3465	466	14	.	.	PUNCT
fsr-3465	467	1	in	in	ADP
fsr-3465	467	2	columns	column	NOUN
fsr-3465	467	3	(	(	PUNCT
fsr-3465	467	4	1	1	NUM
fsr-3465	467	5	)	)	PUNCT
fsr-3465	467	6	and	and	CCONJ
fsr-3465	467	7	(	(	PUNCT
fsr-3465	467	8	2	2	NUM
fsr-3465	467	9	)	)	PUNCT
fsr-3465	467	10	,	,	PUNCT
fsr-3465	467	11	gender	gender	NOUN
fsr-3465	467	12	and	and	CCONJ
fsr-3465	467	13	minority	minority	NOUN
fsr-3465	467	14	are	be	AUX
fsr-3465	467	15	negative	negative	ADJ
fsr-3465	467	16	and	and	CCONJ
fsr-3465	467	17	significant	significant	ADJ
fsr-3465	467	18	at	at	ADP
fsr-3465	467	19	the	the	DET
fsr-3465	467	20	1	1	NUM
fsr-3465	467	21	%	%	NOUN
fsr-3465	467	22	level	level	NOUN
fsr-3465	467	23	;	;	PUNCT
fsr-3465	467	24	however	however	ADV
fsr-3465	467	25	,	,	PUNCT
fsr-3465	467	26	the	the	DET
fsr-3465	467	27	models	model	NOUN
fsr-3465	467	28	do	do	AUX
fsr-3465	467	29	not	not	PART
fsr-3465	467	30	allow	allow	VERB
fsr-3465	467	31	us	we	PRON
fsr-3465	467	32	to	to	PART
fsr-3465	467	33	distinguish	distinguish	VERB
fsr-3465	467	34	between	between	ADP
fsr-3465	467	35	the	the	DET
fsr-3465	467	36	pre	pre	ADJ
fsr-3465	467	37	and	and	CCONJ
fsr-3465	467	38	post	post	ADJ
fsr-3465	467	39	-	-	ADJ
fsr-3465	467	40	pfp	pfp	ADJ
fsr-3465	467	41	scores	score	NOUN
fsr-3465	467	42	.	.	PUNCT
fsr-3465	468	1	in	in	ADP
fsr-3465	468	2	column	column	NOUN
fsr-3465	468	3	(	(	PUNCT
fsr-3465	468	4	3	3	NUM
fsr-3465	468	5	)	)	PUNCT
fsr-3465	468	6	,	,	PUNCT
fsr-3465	468	7	we	we	PRON
fsr-3465	468	8	add	add	VERB
fsr-3465	468	9	the	the	DET
fsr-3465	468	10	additional	additional	ADJ
fsr-3465	468	11	interaction	interaction	NOUN
fsr-3465	468	12	term	term	NOUN
fsr-3465	468	13	gender*post	gender*post	ADV
fsr-3465	468	14	.	.	PUNCT
fsr-3465	469	1	the	the	DET
fsr-3465	469	2	results	result	NOUN
fsr-3465	469	3	are	be	AUX
fsr-3465	469	4	similar	similar	ADJ
fsr-3465	469	5	to	to	ADP
fsr-3465	469	6	those	those	PRON
fsr-3465	469	7	in	in	ADP
fsr-3465	469	8	column	column	NOUN
fsr-3465	469	9	(	(	PUNCT
fsr-3465	469	10	2	2	NUM
fsr-3465	469	11	)	)	PUNCT
fsr-3465	469	12	,	,	PUNCT
fsr-3465	469	13	but	but	CCONJ
fsr-3465	469	14	gender*post	gender*post	NOUN
fsr-3465	469	15	is	be	AUX
fsr-3465	469	16	not	not	PART
fsr-3465	469	17	statistically	statistically	ADV
fsr-3465	469	18	different	different	ADJ
fsr-3465	469	19	from	from	ADP
fsr-3465	469	20	zero	zero	NUM
fsr-3465	469	21	,	,	PUNCT
fsr-3465	469	22	which	which	PRON
fsr-3465	469	23	would	would	AUX
fsr-3465	469	24	not	not	PART
fsr-3465	469	25	seem	seem	VERB
fsr-3465	469	26	to	to	PART
fsr-3465	469	27	support	support	VERB
fsr-3465	469	28	hypothesis	hypothesis	NOUN
fsr-3465	469	29	2	2	NUM
fsr-3465	469	30	.	.	PUNCT
fsr-3465	470	1	in	in	ADP
fsr-3465	470	2	column	column	NOUN
fsr-3465	470	3	(	(	PUNCT
fsr-3465	470	4	4	4	NUM
fsr-3465	470	5	)	)	PUNCT
fsr-3465	470	6	,	,	PUNCT
fsr-3465	470	7	the	the	DET
fsr-3465	470	8	interaction	interaction	NOUN
fsr-3465	470	9	term	term	NOUN
fsr-3465	470	10	minority*post	minority*post	NOUN
fsr-3465	470	11	is	be	AUX
fsr-3465	470	12	not	not	PART
fsr-3465	470	13	different	different	ADJ
fsr-3465	470	14	from	from	ADP
fsr-3465	470	15	zero	zero	NUM
fsr-3465	470	16	,	,	PUNCT
fsr-3465	470	17	suggesting	suggest	VERB
fsr-3465	470	18	a	a	DET
fsr-3465	470	19	lack	lack	NOUN
fsr-3465	470	20	of	of	ADP
fsr-3465	470	21	support	support	NOUN
fsr-3465	470	22	for	for	ADP
fsr-3465	470	23	hypothesis	hypothesis	NOUN
fsr-3465	470	24	3	3	NUM
fsr-3465	470	25	.	.	PUNCT
fsr-3465	471	1	one	one	NUM
fsr-3465	471	2	problem	problem	NOUN
fsr-3465	471	3	with	with	ADP
fsr-3465	471	4	the	the	DET
fsr-3465	471	5	gender	gender	NOUN
fsr-3465	471	6	(	(	PUNCT
fsr-3465	471	7	minority	minority	NOUN
fsr-3465	471	8	)	)	PUNCT
fsr-3465	471	9	interaction	interaction	NOUN
fsr-3465	471	10	is	be	AUX
fsr-3465	471	11	that	that	SCONJ
fsr-3465	471	12	while	while	SCONJ
fsr-3465	471	13	it	it	PRON
fsr-3465	471	14	segregates	segregate	VERB
fsr-3465	471	15	males	male	NOUN
fsr-3465	471	16	from	from	ADP
fsr-3465	471	17	females	female	NOUN
fsr-3465	471	18	(	(	PUNCT
fsr-3465	471	19	minorities	minority	NOUN
fsr-3465	471	20	from	from	ADP
fsr-3465	471	21	caucasians	caucasian	NOUN
fsr-3465	471	22	)	)	PUNCT
fsr-3465	471	23	and	and	CCONJ
fsr-3465	471	24	preand	preand	VERB
fsr-3465	471	25	post	post	NOUN
fsr-3465	471	26	-	-	NOUN
fsr-3465	471	27	scores	score	NOUN
fsr-3465	471	28	,	,	PUNCT
fsr-3465	471	29	it	it	PRON
fsr-3465	471	30	includes	include	VERB
fsr-3465	471	31	both	both	DET
fsr-3465	471	32	treatment	treatment	NOUN
fsr-3465	471	33	and	and	CCONJ
fsr-3465	471	34	control	control	NOUN
fsr-3465	471	35	females	female	NOUN
fsr-3465	471	36	(	(	PUNCT
fsr-3465	471	37	minorities	minority	NOUN
fsr-3465	471	38	)	)	PUNCT
fsr-3465	471	39	.	.	PUNCT
fsr-3465	472	1	to	to	PART
fsr-3465	472	2	more	more	ADV
fsr-3465	472	3	directly	directly	ADV
fsr-3465	472	4	test	test	NOUN
fsr-3465	472	5	hypothesis	hypothesis	NOUN
fsr-3465	472	6	2	2	NUM
fsr-3465	472	7	and	and	CCONJ
fsr-3465	472	8	3	3	NUM
fsr-3465	472	9	,	,	PUNCT
fsr-3465	472	10	we	we	PRON
fsr-3465	472	11	introduce	introduce	VERB
fsr-3465	472	12	three	three	NUM
fsr-3465	472	13	terms	term	NOUN
fsr-3465	472	14	,	,	PUNCT
fsr-3465	472	15	fem*treat*post	fem*treat*post	PROPN
fsr-3465	472	16	,	,	PUNCT
fsr-3465	472	17	male*treat*post	male*treat*post	PROPN
fsr-3465	472	18	,	,	PUNCT
fsr-3465	472	19	andminority*treat*post	andminority*treat*post	PROPN
fsr-3465	472	20	that	that	PRON
fsr-3465	472	21	are	be	AUX
fsr-3465	472	22	equal	equal	ADJ
fsr-3465	472	23	to	to	ADP
fsr-3465	472	24	1	1	NUM
fsr-3465	472	25	if	if	SCONJ
fsr-3465	472	26	the	the	DET
fsr-3465	472	27	observation	observation	NOUN
fsr-3465	472	28	represents	represent	VERB
fsr-3465	472	29	a	a	DET
fsr-3465	472	30	female	female	ADJ
fsr-3465	472	31	(	(	PUNCT
fsr-3465	472	32	male	male	NOUN
fsr-3465	472	33	,	,	PUNCT
fsr-3465	472	34	minority	minority	NOUN
fsr-3465	472	35	)	)	PUNCT
fsr-3465	472	36	,	,	PUNCT
fsr-3465	472	37	in	in	ADP
fsr-3465	472	38	the	the	DET
fsr-3465	472	39	treatment	treatment	NOUN
fsr-3465	472	40	group	group	NOUN
fsr-3465	472	41	,	,	PUNCT
fsr-3465	472	42	and	and	CCONJ
fsr-3465	472	43	corresponds	correspond	VERB
fsr-3465	472	44	to	to	ADP
fsr-3465	472	45	the	the	DET
fsr-3465	472	46	post	post	ADJ
fsr-3465	472	47	-	-	ADJ
fsr-3465	472	48	pfp	pfp	ADJ
fsr-3465	472	49	knowledge	knowledge	NOUN
fsr-3465	472	50	score	score	NOUN
fsr-3465	472	51	and	and	CCONJ
fsr-3465	472	52	0	0	NUM
fsr-3465	472	53	otherwise	otherwise	ADV
fsr-3465	472	54	.	.	PUNCT
fsr-3465	473	1	the	the	DET
fsr-3465	473	2	results	result	NOUN
fsr-3465	473	3	are	be	AUX
fsr-3465	473	4	in	in	ADP
fsr-3465	473	5	columns	column	NOUN
fsr-3465	473	6	(	(	PUNCT
fsr-3465	473	7	1	1	NUM
fsr-3465	473	8	and	and	CCONJ
fsr-3465	473	9	2	2	NUM
fsr-3465	473	10	)	)	PUNCT
fsr-3465	473	11	of	of	ADP
fsr-3465	473	12	table	table	NOUN
fsr-3465	473	13	4	4	NUM
fsr-3465	473	14	.	.	PUNCT
fsr-3465	474	1	while	while	SCONJ
fsr-3465	474	2	all	all	DET
fsr-3465	474	3	other	other	ADJ
fsr-3465	474	4	results	result	NOUN
fsr-3465	474	5	remain	remain	VERB
fsr-3465	474	6	consistent	consistent	ADJ
fsr-3465	474	7	,	,	PUNCT
fsr-3465	474	8	we	we	PRON
fsr-3465	474	9	find	find	VERB
fsr-3465	474	10	that	that	SCONJ
fsr-3465	474	11	females	female	NOUN
fsr-3465	474	12	and	and	CCONJ
fsr-3465	474	13	minorities	minority	NOUN
fsr-3465	474	14	in	in	ADP
fsr-3465	474	15	the	the	DET
fsr-3465	474	16	treatment	treatment	NOUN
fsr-3465	474	17	group	group	NOUN
fsr-3465	474	18	significantly	significantly	ADV
fsr-3465	474	19	narrow	narrow	VERB
fsr-3465	474	20	the	the	DET
fsr-3465	474	21	knowledge	knowledge	NOUN
fsr-3465	474	22	gap	gap	NOUN
fsr-3465	474	23	,	,	PUNCT
fsr-3465	474	24	as	as	SCONJ
fsr-3465	474	25	fem*treat*post	fem*treat*post	ADV
fsr-3465	474	26	and	and	CCONJ
fsr-3465	474	27	minority*treat*post	minority*treat*post	PROPN
fsr-3465	474	28	are	be	AUX
fsr-3465	474	29	positive	positive	ADJ
fsr-3465	474	30	and	and	CCONJ
fsr-3465	474	31	statistically	statistically	ADV
fsr-3465	474	32	significant	significant	ADJ
fsr-3465	474	33	at	at	ADP
fsr-3465	474	34	the	the	DET
fsr-3465	474	35	5	5	NUM
fsr-3465	474	36	%	%	NOUN
fsr-3465	474	37	level	level	NOUN
fsr-3465	474	38	.	.	PUNCT
fsr-3465	475	1	for	for	ADP
fsr-3465	475	2	women	woman	NOUN
fsr-3465	475	3	,	,	PUNCT
fsr-3465	475	4	when	when	SCONJ
fsr-3465	475	5	combined	combine	VERB
fsr-3465	475	6	with	with	ADP
fsr-3465	475	7	the	the	DET
fsr-3465	475	8	insignificant	insignificant	ADJ
fsr-3465	475	9	coefficient	coefficient	NOUN
fsr-3465	475	10	estimates	estimate	NOUN
fsr-3465	475	11	on	on	ADP
fsr-3465	475	12	treatment	treatment	NOUN
fsr-3465	475	13	and	and	CCONJ
fsr-3465	475	14	male*treat*post	male*treat*post	PROPN
fsr-3465	475	15	,	,	PUNCT
fsr-3465	475	16	we	we	PRON
fsr-3465	475	17	can	can	AUX
fsr-3465	475	18	conclude	conclude	VERB
fsr-3465	475	19	that	that	SCONJ
fsr-3465	475	20	females	female	NOUN
fsr-3465	475	21	close	close	VERB
fsr-3465	475	22	the	the	DET
fsr-3465	475	23	gap	gap	NOUN
fsr-3465	475	24	with	with	ADP
fsr-3465	475	25	males	male	NOUN
fsr-3465	475	26	if	if	SCONJ
fsr-3465	475	27	they	they	PRON
fsr-3465	475	28	participated	participate	VERB
fsr-3465	475	29	in	in	ADP
fsr-3465	475	30	the	the	DET
fsr-3465	475	31	seminar	seminar	NOUN
fsr-3465	475	32	,	,	PUNCT
fsr-3465	475	33	a	a	DET
fsr-3465	475	34	finding	finding	NOUN
fsr-3465	475	35	providing	provide	VERB
fsr-3465	475	36	support	support	NOUN
fsr-3465	475	37	for	for	ADP
fsr-3465	475	38	hypothesis	hypothesis	NOUN
fsr-3465	475	39	2	2	NUM
fsr-3465	475	40	.	.	PUNCT
fsr-3465	476	1	the	the	DET
fsr-3465	476	2	results	result	NOUN
fsr-3465	476	3	in	in	ADP
fsr-3465	476	4	column	column	NOUN
fsr-3465	476	5	(	(	PUNCT
fsr-3465	476	6	2	2	X
fsr-3465	476	7	)	)	PUNCT
fsr-3465	476	8	are	be	AUX
fsr-3465	476	9	similarly	similarly	ADV
fsr-3465	476	10	encouraging	encouraging	ADJ
fsr-3465	476	11	.	.	PUNCT
fsr-3465	477	1	minority*treat*post	minority*treat*post	ADJ
fsr-3465	477	2	is	be	AUX
fsr-3465	477	3	positive	positive	ADJ
fsr-3465	477	4	and	and	CCONJ
fsr-3465	477	5	statistically	statistically	ADV
fsr-3465	477	6	significant	significant	ADJ
fsr-3465	477	7	,	,	PUNCT
fsr-3465	477	8	indicating	indicate	VERB
fsr-3465	477	9	that	that	SCONJ
fsr-3465	477	10	minorities	minority	NOUN
fsr-3465	477	11	close	close	VERB
fsr-3465	477	12	the	the	DET
fsr-3465	477	13	knowledge	knowledge	NOUN
fsr-3465	477	14	gap	gap	NOUN
fsr-3465	477	15	after	after	ADP
fsr-3465	477	16	participating	participate	VERB
fsr-3465	477	17	in	in	ADP
fsr-3465	477	18	the	the	DET
fsr-3465	477	19	pfp	pfp	PROPN
fsr-3465	477	20	.	.	PUNCT
fsr-3465	478	1	this	this	DET
fsr-3465	478	2	result	result	NOUN
fsr-3465	478	3	is	be	AUX
fsr-3465	478	4	consistent	consistent	ADJ
fsr-3465	478	5	with	with	ADP
fsr-3465	478	6	hypothesis	hypothesis	NOUN
fsr-3465	478	7	3	3	NUM
fsr-3465	478	8	.	.	PUNCT
fsr-3465	479	1	the	the	DET
fsr-3465	479	2	results	result	NOUN
fsr-3465	479	3	in	in	ADP
fsr-3465	479	4	column	column	NOUN
fsr-3465	479	5	(	(	PUNCT
fsr-3465	479	6	3	3	X
fsr-3465	479	7	)	)	PUNCT
fsr-3465	479	8	show	show	VERB
fsr-3465	479	9	that	that	SCONJ
fsr-3465	479	10	the	the	DET
fsr-3465	479	11	results	result	NOUN
fsr-3465	479	12	are	be	AUX
fsr-3465	479	13	robust	robust	ADJ
fsr-3465	479	14	for	for	ADP
fsr-3465	479	15	women	woman	NOUN
fsr-3465	479	16	when	when	SCONJ
fsr-3465	479	17	including	include	VERB
fsr-3465	479	18	all	all	PRON
fsr-3465	479	19	of	of	ADP
fsr-3465	479	20	the	the	DET
fsr-3465	479	21	terms	term	NOUN
fsr-3465	479	22	in	in	ADP
fsr-3465	479	23	the	the	DET
fsr-3465	479	24	model	model	NOUN
fsr-3465	479	25	.	.	PUNCT
fsr-3465	480	1	in	in	ADP
fsr-3465	480	2	contrast	contrast	NOUN
fsr-3465	480	3	,	,	PUNCT
fsr-3465	480	4	minority*treat*post	minority*treat*post	ADJ
fsr-3465	480	5	is	be	AUX
fsr-3465	480	6	no	no	ADV
fsr-3465	480	7	longer	long	ADV
fsr-3465	480	8	statistically	statistically	ADV
fsr-3465	480	9	significant	significant	ADJ
fsr-3465	480	10	at	at	ADP
fsr-3465	480	11	traditional	traditional	ADJ
fsr-3465	480	12	levels	level	NOUN
fsr-3465	480	13	.	.	PUNCT
fsr-3465	481	1	in	in	ADP
fsr-3465	481	2	the	the	DET
fsr-3465	481	3	full	full	ADJ
fsr-3465	481	4	model	model	NOUN
fsr-3465	481	5	presented	present	VERB
fsr-3465	481	6	in	in	ADP
fsr-3465	481	7	column	column	NOUN
fsr-3465	481	8	(	(	PUNCT
fsr-3465	481	9	3	3	NUM
fsr-3465	481	10	)	)	PUNCT
fsr-3465	481	11	,	,	PUNCT
fsr-3465	481	12	hypothesis	hypothesis	NOUN
fsr-3465	481	13	(	(	PUNCT
fsr-3465	481	14	2	2	X
fsr-3465	481	15	)	)	PUNCT
fsr-3465	481	16	is	be	AUX
fsr-3465	481	17	definitively	definitively	ADV
fsr-3465	481	18	supported	support	VERB
fsr-3465	481	19	.	.	PUNCT
fsr-3465	482	1	j.	j.	PROPN
fsr-3465	482	2	handy	handy	PROPN
fsr-3465	482	3	et	et	PROPN
fsr-3465	482	4	al	al	PROPN
fsr-3465	482	5	.	.	PUNCT
fsr-3465	482	6	/	/	SYM
fsr-3465	482	7	financial	financial	ADJ
fsr-3465	482	8	services	service	NOUN
fsr-3465	482	9	review	review	VERB
fsr-3465	482	10	29	29	NUM
fsr-3465	482	11	(	(	PUNCT
fsr-3465	482	12	2021	2021	NUM
fsr-3465	482	13	)	)	PUNCT
fsr-3465	483	1	315–341	315–341	NUM
fsr-3465	483	2	333	333	NUM
fsr-3465	483	3	6.2	6.2	NUM
fsr-3465	483	4	.	.	PUNCT
fsr-3465	484	1	section	section	NOUN
fsr-3465	484	2	5.2	5.2	NUM
fsr-3465	484	3	:	:	PUNCT
fsr-3465	484	4	confidence	confidence	NOUN
fsr-3465	484	5	we	we	PRON
fsr-3465	484	6	now	now	ADV
fsr-3465	484	7	turn	turn	VERB
fsr-3465	484	8	our	our	PRON
fsr-3465	484	9	attention	attention	NOUN
fsr-3465	484	10	to	to	ADP
fsr-3465	484	11	examining	examine	VERB
fsr-3465	484	12	the	the	DET
fsr-3465	484	13	impact	impact	NOUN
fsr-3465	484	14	of	of	ADP
fsr-3465	484	15	the	the	DET
fsr-3465	484	16	pfp	pfp	PROPN
fsr-3465	484	17	on	on	ADP
fsr-3465	484	18	a	a	DET
fsr-3465	484	19	student	student	NOUN
fsr-3465	484	20	’s	’s	PART
fsr-3465	484	21	confidence	confidence	NOUN
fsr-3465	484	22	in	in	ADP
fsr-3465	484	23	their	their	PRON
fsr-3465	484	24	ability	ability	NOUN
fsr-3465	484	25	to	to	PART
fsr-3465	484	26	manage	manage	VERB
fsr-3465	484	27	their	their	PRON
fsr-3465	484	28	financial	financial	ADJ
fsr-3465	484	29	future	future	NOUN
fsr-3465	484	30	.	.	PUNCT
fsr-3465	485	1	it	it	PRON
fsr-3465	485	2	is	be	AUX
fsr-3465	485	3	important	important	ADJ
fsr-3465	485	4	to	to	PART
fsr-3465	485	5	note	note	VERB
fsr-3465	485	6	again	again	ADV
fsr-3465	485	7	that	that	SCONJ
fsr-3465	485	8	this	this	PRON
fsr-3465	485	9	is	be	AUX
fsr-3465	485	10	not	not	PART
fsr-3465	485	11	confidence	confidence	NOUN
fsr-3465	485	12	in	in	ADP
fsr-3465	485	13	whether	whether	SCONJ
fsr-3465	485	14	one	one	NUM
fsr-3465	485	15	answered	answer	VERB
fsr-3465	485	16	the	the	DET
fsr-3465	485	17	financial	financial	ADJ
fsr-3465	485	18	knowledge	knowledge	NOUN
fsr-3465	485	19	questions	question	NOUN
fsr-3465	485	20	correctly	correctly	ADV
fsr-3465	485	21	,	,	PUNCT
fsr-3465	485	22	but	but	CCONJ
fsr-3465	485	23	rather	rather	ADV
fsr-3465	485	24	one	one	NUM
fsr-3465	485	25	’s	’s	PART
fsr-3465	485	26	confidence	confidence	NOUN
fsr-3465	485	27	regarding	regard	VERB
fsr-3465	485	28	their	their	PRON
fsr-3465	485	29	future	future	ADJ
fsr-3465	485	30	financial	financial	ADJ
fsr-3465	485	31	outlook	outlook	NOUN
fsr-3465	485	32	.	.	PUNCT
fsr-3465	486	1	earlier	early	ADV
fsr-3465	486	2	,	,	PUNCT
fsr-3465	486	3	we	we	PRON
fsr-3465	486	4	reported	report	VERB
fsr-3465	486	5	that	that	SCONJ
fsr-3465	486	6	in	in	ADP
fsr-3465	486	7	a	a	DET
fsr-3465	486	8	univariate	univariate	ADJ
fsr-3465	486	9	framework	framework	NOUN
fsr-3465	486	10	,	,	PUNCT
fsr-3465	486	11	pfp	pfp	PROPN
fsr-3465	486	12	participants	participant	NOUN
fsr-3465	486	13	had	have	VERB
fsr-3465	486	14	significantly	significantly	ADV
fsr-3465	486	15	lower	low	ADJ
fsr-3465	486	16	confidence	confidence	NOUN
fsr-3465	486	17	than	than	ADP
fsr-3465	486	18	their	their	PRON
fsr-3465	486	19	control	control	NOUN
fsr-3465	486	20	group	group	NOUN
fsr-3465	486	21	peers	peer	NOUN
fsr-3465	486	22	before	before	ADP
fsr-3465	486	23	the	the	DET
fsr-3465	486	24	seminar	seminar	NOUN
fsr-3465	486	25	but	but	CCONJ
fsr-3465	486	26	that	that	SCONJ
fsr-3465	486	27	this	this	PRON
fsr-3465	486	28	completely	completely	ADV
fsr-3465	486	29	reversed	reverse	VERB
fsr-3465	486	30	in	in	ADP
fsr-3465	486	31	the	the	DET
fsr-3465	486	32	post	post	ADJ
fsr-3465	486	33	-	-	ADJ
fsr-3465	486	34	seminar	seminar	ADJ
fsr-3465	486	35	surveys	survey	NOUN
fsr-3465	486	36	.	.	PUNCT
fsr-3465	487	1	we	we	PRON
fsr-3465	487	2	now	now	ADV
fsr-3465	487	3	determine	determine	VERB
fsr-3465	487	4	the	the	DET
fsr-3465	487	5	robustness	robustness	NOUN
fsr-3465	487	6	of	of	ADP
fsr-3465	487	7	those	those	DET
fsr-3465	487	8	results	result	NOUN
fsr-3465	487	9	using	use	VERB
fsr-3465	487	10	eq	eq	ADP
fsr-3465	487	11	.	.	PUNCT
fsr-3465	488	1	(	(	PUNCT
fsr-3465	488	2	1	1	NUM
fsr-3465	488	3	)	)	PUNCT
fsr-3465	488	4	.	.	PUNCT
fsr-3465	489	1	we	we	PRON
fsr-3465	489	2	augment	augment	VERB
fsr-3465	489	3	eq	eq	ADP
fsr-3465	489	4	.	.	PUNCT
fsr-3465	490	1	(	(	PUNCT
fsr-3465	490	2	1	1	X
fsr-3465	490	3	)	)	PUNCT
fsr-3465	490	4	with	with	ADP
fsr-3465	490	5	knowscore	knowscore	PROPN
fsr-3465	490	6	,	,	PUNCT
fsr-3465	490	7	health	health	NOUN
fsr-3465	490	8	,	,	PUNCT
fsr-3465	490	9	and	and	CCONJ
fsr-3465	490	10	lifesat	lifesat	VERB
fsr-3465	490	11	as	as	ADP
fsr-3465	490	12	additional	additional	ADJ
fsr-3465	490	13	control	control	NOUN
fsr-3465	490	14	variables	variable	NOUN
fsr-3465	490	15	with	with	ADP
fsr-3465	490	16	an	an	DET
fsr-3465	490	17	expectation	expectation	NOUN
fsr-3465	490	18	that	that	SCONJ
fsr-3465	490	19	students	student	NOUN
fsr-3465	490	20	with	with	ADP
fsr-3465	490	21	higher	high	ADJ
fsr-3465	490	22	knowledge	knowledge	NOUN
fsr-3465	490	23	scores	score	NOUN
fsr-3465	490	24	who	who	PRON
fsr-3465	490	25	are	be	AUX
fsr-3465	490	26	more	more	ADV
fsr-3465	490	27	satisfied	satisfied	ADJ
fsr-3465	490	28	with	with	ADP
fsr-3465	490	29	their	their	PRON
fsr-3465	490	30	lives	life	NOUN
fsr-3465	490	31	currently	currently	ADV
fsr-3465	490	32	will	will	AUX
fsr-3465	490	33	be	be	AUX
fsr-3465	490	34	more	more	ADV
fsr-3465	490	35	confident	confident	ADJ
fsr-3465	490	36	,	,	PUNCT
fsr-3465	490	37	but	but	CCONJ
fsr-3465	490	38	students	student	NOUN
fsr-3465	490	39	who	who	PRON
fsr-3465	490	40	have	have	AUX
fsr-3465	490	41	recently	recently	ADV
fsr-3465	490	42	experienced	experience	VERB
fsr-3465	490	43	a	a	DET
fsr-3465	490	44	higher	high	ADJ
fsr-3465	490	45	degree	degree	NOUN
fsr-3465	490	46	of	of	ADP
fsr-3465	490	47	emotional/	emotional/	NUM
fsr-3465	490	48	mental	mental	ADJ
fsr-3465	490	49	and	and	CCONJ
fsr-3465	490	50	financial	financial	ADJ
fsr-3465	490	51	distress	distress	NOUN
fsr-3465	490	52	will	will	AUX
fsr-3465	490	53	have	have	VERB
fsr-3465	490	54	lower	low	ADJ
fsr-3465	490	55	levels	level	NOUN
fsr-3465	490	56	of	of	ADP
fsr-3465	490	57	confidence	confidence	NOUN
fsr-3465	490	58	.	.	PUNCT
fsr-3465	491	1	the	the	DET
fsr-3465	491	2	results	result	NOUN
fsr-3465	491	3	for	for	ADP
fsr-3465	491	4	estimating	estimate	VERB
fsr-3465	491	5	eq	eq	ADP
fsr-3465	491	6	.	.	PUNCT
fsr-3465	492	1	(	(	PUNCT
fsr-3465	492	2	1	1	NUM
fsr-3465	492	3	)	)	PUNCT
fsr-3465	492	4	with	with	ADP
fsr-3465	492	5	confidence	confidence	NOUN
fsr-3465	492	6	as	as	ADP
fsr-3465	492	7	the	the	DET
fsr-3465	492	8	dependent	dependent	ADJ
fsr-3465	492	9	variable	variable	NOUN
fsr-3465	492	10	are	be	AUX
fsr-3465	492	11	presented	present	VERB
fsr-3465	492	12	in	in	ADP
fsr-3465	492	13	tables	table	NOUN
fsr-3465	492	14	5	5	NUM
fsr-3465	492	15	and	and	CCONJ
fsr-3465	492	16	6	6	NUM
fsr-3465	492	17	.	.	X
fsr-3465	493	1	we	we	PRON
fsr-3465	493	2	follow	follow	VERB
fsr-3465	493	3	a	a	DET
fsr-3465	493	4	similar	similar	ADJ
fsr-3465	493	5	pattern	pattern	NOUN
fsr-3465	493	6	of	of	ADP
fsr-3465	493	7	presentation	presentation	NOUN
fsr-3465	493	8	used	use	VERB
fsr-3465	493	9	for	for	ADP
fsr-3465	493	10	knowscore	knowscore	NOUN
fsr-3465	493	11	.	.	PUNCT
fsr-3465	494	1	while	while	SCONJ
fsr-3465	494	2	not	not	PART
fsr-3465	494	3	of	of	ADP
fsr-3465	494	4	primary	primary	ADJ
fsr-3465	494	5	interest	interest	NOUN
fsr-3465	494	6	,	,	PUNCT
fsr-3465	494	7	a	a	DET
fsr-3465	494	8	brief	brief	ADJ
fsr-3465	494	9	discussion	discussion	NOUN
fsr-3465	494	10	of	of	ADP
fsr-3465	494	11	control	control	NOUN
fsr-3465	494	12	variables	variable	NOUN
fsr-3465	494	13	is	be	AUX
fsr-3465	494	14	valuable	valuable	ADJ
fsr-3465	494	15	as	as	ADP
fsr-3465	494	16	the	the	DET
fsr-3465	494	17	analysis	analysis	NOUN
fsr-3465	494	18	of	of	ADP
fsr-3465	494	19	confidence	confidence	NOUN
fsr-3465	494	20	in	in	ADP
fsr-3465	494	21	a	a	DET
fsr-3465	494	22	multivariate	multivariate	NOUN
fsr-3465	494	23	framework	framework	NOUN
fsr-3465	494	24	is	be	AUX
fsr-3465	494	25	new	new	ADJ
fsr-3465	494	26	to	to	ADP
fsr-3465	494	27	the	the	DET
fsr-3465	494	28	literature	literature	NOUN
fsr-3465	494	29	.	.	PUNCT
fsr-3465	495	1	regardless	regardless	ADV
fsr-3465	495	2	of	of	ADP
fsr-3465	495	3	the	the	DET
fsr-3465	495	4	model	model	NOUN
fsr-3465	495	5	,	,	PUNCT
fsr-3465	495	6	students	student	NOUN
fsr-3465	495	7	who	who	PRON
fsr-3465	495	8	are	be	AUX
fsr-3465	495	9	economics	economic	NOUN
fsr-3465	495	10	,	,	PUNCT
fsr-3465	495	11	business	business	NOUN
fsr-3465	495	12	,	,	PUNCT
fsr-3465	495	13	or	or	CCONJ
fsr-3465	495	14	accounting	accounting	NOUN
fsr-3465	495	15	majors	major	NOUN
fsr-3465	495	16	are	be	AUX
fsr-3465	495	17	statistically	statistically	ADV
fsr-3465	495	18	more	more	ADV
fsr-3465	495	19	confident	confident	ADJ
fsr-3465	495	20	in	in	ADP
fsr-3465	495	21	their	their	PRON
fsr-3465	495	22	financial	financial	ADJ
fsr-3465	495	23	future	future	NOUN
fsr-3465	495	24	,	,	PUNCT
fsr-3465	495	25	an	an	DET
fsr-3465	495	26	expected	expect	VERB
fsr-3465	495	27	outcome	outcome	NOUN
fsr-3465	495	28	.	.	PUNCT
fsr-3465	496	1	additionally	additionally	ADV
fsr-3465	496	2	,	,	PUNCT
fsr-3465	496	3	students	student	NOUN
fsr-3465	496	4	with	with	ADP
fsr-3465	496	5	higher	high	ADJ
fsr-3465	496	6	knowledge	knowledge	NOUN
fsr-3465	496	7	scores	score	NOUN
fsr-3465	496	8	and	and	CCONJ
fsr-3465	496	9	a	a	DET
fsr-3465	496	10	higher	high	ADJ
fsr-3465	496	11	need	need	NOUN
fsr-3465	496	12	for	for	ADP
fsr-3465	496	13	cognition	cognition	NOUN
fsr-3465	496	14	have	have	VERB
fsr-3465	496	15	statistically	statistically	ADV
fsr-3465	496	16	higher	high	ADJ
fsr-3465	496	17	levels	level	NOUN
fsr-3465	496	18	of	of	ADP
fsr-3465	496	19	confidence	confidence	NOUN
fsr-3465	496	20	in	in	ADP
fsr-3465	496	21	their	their	PRON
fsr-3465	496	22	financial	financial	ADJ
fsr-3465	496	23	future	future	NOUN
fsr-3465	496	24	.	.	PUNCT
fsr-3465	497	1	the	the	DET
fsr-3465	497	2	result	result	NOUN
fsr-3465	497	3	for	for	ADP
fsr-3465	497	4	knowledge	knowledge	NOUN
fsr-3465	497	5	score	score	NOUN
fsr-3465	497	6	is	be	AUX
fsr-3465	497	7	“	"	PUNCT
fsr-3465	497	8	comforting	comfort	VERB
fsr-3465	497	9	”	"	PUNCT
fsr-3465	497	10	in	in	ADP
fsr-3465	497	11	that	that	SCONJ
fsr-3465	497	12	it	it	PRON
fsr-3465	497	13	suggests	suggest	VERB
fsr-3465	497	14	that	that	SCONJ
fsr-3465	497	15	the	the	DET
fsr-3465	497	16	confidence	confidence	NOUN
fsr-3465	497	17	may	may	AUX
fsr-3465	497	18	not	not	PART
fsr-3465	497	19	be	be	AUX
fsr-3465	497	20	misplaced	misplace	VERB
fsr-3465	497	21	.	.	PUNCT
fsr-3465	498	1	the	the	DET
fsr-3465	498	2	result	result	NOUN
fsr-3465	498	3	for	for	ADP
fsr-3465	498	4	needcog	needcog	NOUN
fsr-3465	498	5	suggests	suggest	VERB
fsr-3465	498	6	that	that	SCONJ
fsr-3465	498	7	students	student	NOUN
fsr-3465	498	8	who	who	PRON
fsr-3465	498	9	seek	seek	VERB
fsr-3465	498	10	out	out	ADP
fsr-3465	498	11	cognitive	cognitive	ADJ
fsr-3465	498	12	activities	activity	NOUN
fsr-3465	498	13	feel	feel	VERB
fsr-3465	498	14	they	they	PRON
fsr-3465	498	15	can	can	AUX
fsr-3465	498	16	acquire	acquire	VERB
fsr-3465	498	17	the	the	DET
fsr-3465	498	18	skills	skill	NOUN
fsr-3465	498	19	and	and	CCONJ
fsr-3465	498	20	information	information	NOUN
fsr-3465	498	21	necessary	necessary	ADJ
fsr-3465	498	22	to	to	PART
fsr-3465	498	23	be	be	AUX
fsr-3465	498	24	successful	successful	ADJ
fsr-3465	498	25	in	in	ADP
fsr-3465	498	26	their	their	PRON
fsr-3465	498	27	personal	personal	ADJ
fsr-3465	498	28	financial	financial	ADJ
fsr-3465	498	29	lives	life	NOUN
fsr-3465	498	30	.	.	PUNCT
fsr-3465	499	1	students	student	NOUN
fsr-3465	499	2	with	with	ADP
fsr-3465	499	3	more	more	ADJ
fsr-3465	499	4	of	of	ADP
fsr-3465	499	5	their	their	PRON
fsr-3465	499	6	education	education	NOUN
fsr-3465	499	7	financed	finance	VERB
fsr-3465	499	8	with	with	ADP
fsr-3465	499	9	debt	debt	NOUN
fsr-3465	499	10	generally	generally	ADV
fsr-3465	499	11	have	have	VERB
fsr-3465	499	12	lower	low	ADJ
fsr-3465	499	13	levels	level	NOUN
fsr-3465	499	14	of	of	ADP
fsr-3465	499	15	confidence	confidence	NOUN
fsr-3465	499	16	in	in	ADP
fsr-3465	499	17	their	their	PRON
fsr-3465	499	18	future	future	NOUN
fsr-3465	499	19	.	.	PUNCT
fsr-3465	500	1	this	this	DET
fsr-3465	500	2	finding	finding	NOUN
fsr-3465	500	3	is	be	AUX
fsr-3465	500	4	expected	expect	VERB
fsr-3465	500	5	but	but	CCONJ
fsr-3465	500	6	indicates	indicate	VERB
fsr-3465	500	7	that	that	SCONJ
fsr-3465	500	8	in	in	ADP
fsr-3465	500	9	addition	addition	NOUN
fsr-3465	500	10	to	to	ADP
fsr-3465	500	11	the	the	DET
fsr-3465	500	12	financial	financial	ADJ
fsr-3465	500	13	burden	burden	NOUN
fsr-3465	500	14	that	that	PRON
fsr-3465	500	15	student	student	NOUN
fsr-3465	500	16	debt	debt	NOUN
fsr-3465	500	17	brings	bring	VERB
fsr-3465	500	18	,	,	PUNCT
fsr-3465	500	19	it	it	PRON
fsr-3465	500	20	has	have	VERB
fsr-3465	500	21	a	a	DET
fsr-3465	500	22	significant	significant	ADJ
fsr-3465	500	23	impact	impact	NOUN
fsr-3465	500	24	on	on	ADP
fsr-3465	500	25	how	how	SCONJ
fsr-3465	500	26	students	student	NOUN
fsr-3465	500	27	perceive	perceive	VERB
fsr-3465	500	28	they	they	PRON
fsr-3465	500	29	can	can	AUX
fsr-3465	500	30	handle	handle	VERB
fsr-3465	500	31	their	their	PRON
fsr-3465	500	32	financial	financial	ADJ
fsr-3465	500	33	future	future	NOUN
fsr-3465	500	34	and	and	CCONJ
fsr-3465	500	35	likely	likely	ADJ
fsr-3465	500	36	stress	stress	NOUN
fsr-3465	500	37	levels	level	NOUN
fsr-3465	500	38	.	.	PUNCT
fsr-3465	501	1	finally	finally	ADV
fsr-3465	501	2	,	,	PUNCT
fsr-3465	501	3	students	student	NOUN
fsr-3465	501	4	with	with	ADP
fsr-3465	501	5	higher	high	ADJ
fsr-3465	501	6	gpa	gpa	PROPN
fsr-3465	501	7	’s	’s	PART
fsr-3465	501	8	have	have	VERB
fsr-3465	501	9	statistically	statistically	ADV
fsr-3465	501	10	lower	low	ADJ
fsr-3465	501	11	levels	level	NOUN
fsr-3465	501	12	of	of	ADP
fsr-3465	501	13	confidence	confidence	NOUN
fsr-3465	501	14	,	,	PUNCT
fsr-3465	501	15	an	an	DET
fsr-3465	501	16	unexpected	unexpected	ADJ
fsr-3465	501	17	finding	finding	NOUN
fsr-3465	501	18	.	.	PUNCT
fsr-3465	502	1	we	we	PRON
fsr-3465	502	2	now	now	ADV
fsr-3465	502	3	turn	turn	VERB
fsr-3465	502	4	to	to	ADP
fsr-3465	502	5	testing	testing	NOUN
fsr-3465	502	6	hypothesis	hypothesis	NOUN
fsr-3465	502	7	4	4	NUM
fsr-3465	502	8	.	.	PUNCT
fsr-3465	503	1	in	in	ADP
fsr-3465	503	2	column	column	NOUN
fsr-3465	503	3	(	(	PUNCT
fsr-3465	503	4	1	1	NUM
fsr-3465	503	5	)	)	PUNCT
fsr-3465	503	6	,	,	PUNCT
fsr-3465	503	7	we	we	PRON
fsr-3465	503	8	present	present	VERB
fsr-3465	503	9	a	a	DET
fsr-3465	503	10	base	base	NOUN
fsr-3465	503	11	model	model	NOUN
fsr-3465	503	12	that	that	PRON
fsr-3465	503	13	indicates	indicate	VERB
fsr-3465	503	14	post	post	ADJ
fsr-3465	503	15	-	-	NOUN
fsr-3465	503	16	seminar	seminar	NOUN
fsr-3465	503	17	(	(	PUNCT
fsr-3465	503	18	post	post	VERB
fsr-3465	503	19	pfp	pfp	PROPN
fsr-3465	503	20	dummy	dummy	NOUN
fsr-3465	503	21	)	)	PUNCT
fsr-3465	503	22	confidence	confidence	NOUN
fsr-3465	503	23	levels	level	NOUN
fsr-3465	503	24	are	be	AUX
fsr-3465	503	25	statistically	statistically	ADV
fsr-3465	503	26	higher	high	ADJ
fsr-3465	503	27	,	,	PUNCT
fsr-3465	503	28	but	but	CCONJ
fsr-3465	503	29	that	that	SCONJ
fsr-3465	503	30	pfp	pfp	PROPN
fsr-3465	503	31	participants	participant	NOUN
fsr-3465	503	32	(	(	PUNCT
fsr-3465	503	33	treatment	treatment	NOUN
fsr-3465	503	34	)	)	PUNCT
fsr-3465	503	35	do	do	AUX
fsr-3465	503	36	not	not	PART
fsr-3465	503	37	have	have	VERB
fsr-3465	503	38	statistically	statistically	ADV
fsr-3465	503	39	different	different	ADJ
fsr-3465	503	40	levels	level	NOUN
fsr-3465	503	41	of	of	ADP
fsr-3465	503	42	confidence	confidence	NOUN
fsr-3465	503	43	when	when	SCONJ
fsr-3465	503	44	compared	compare	VERB
fsr-3465	503	45	with	with	ADP
fsr-3465	503	46	the	the	DET
fsr-3465	503	47	control	control	NOUN
fsr-3465	503	48	group	group	NOUN
fsr-3465	503	49	.	.	PUNCT
fsr-3465	504	1	these	these	DET
fsr-3465	504	2	findings	finding	NOUN
fsr-3465	504	3	do	do	AUX
fsr-3465	504	4	not	not	PART
fsr-3465	504	5	support	support	VERB
fsr-3465	504	6	hypothesis	hypothesis	NOUN
fsr-3465	504	7	4	4	NUM
fsr-3465	504	8	;	;	PUNCT
fsr-3465	504	9	however	however	ADV
fsr-3465	504	10	,	,	PUNCT
fsr-3465	504	11	as	as	SCONJ
fsr-3465	504	12	was	be	AUX
fsr-3465	504	13	the	the	DET
fsr-3465	504	14	case	case	NOUN
fsr-3465	504	15	in	in	ADP
fsr-3465	504	16	column	column	NOUN
fsr-3465	504	17	(	(	PUNCT
fsr-3465	504	18	1	1	NUM
fsr-3465	504	19	)	)	PUNCT
fsr-3465	504	20	of	of	ADP
fsr-3465	504	21	table	table	NOUN
fsr-3465	504	22	3	3	NUM
fsr-3465	504	23	,	,	PUNCT
fsr-3465	504	24	the	the	DET
fsr-3465	504	25	post	post	NOUN
fsr-3465	504	26	pfp	pfp	PROPN
fsr-3465	504	27	dummy	dummy	NOUN
fsr-3465	504	28	captures	capture	VERB
fsr-3465	504	29	both	both	CCONJ
fsr-3465	504	30	control	control	NOUN
fsr-3465	504	31	and	and	CCONJ
fsr-3465	504	32	treatment	treatment	NOUN
fsr-3465	504	33	respondents	respondent	NOUN
fsr-3465	504	34	,	,	PUNCT
fsr-3465	504	35	and	and	CCONJ
fsr-3465	504	36	the	the	DET
fsr-3465	504	37	treatment	treatment	NOUN
fsr-3465	504	38	variable	variable	NOUN
fsr-3465	504	39	captures	capture	VERB
fsr-3465	504	40	both	both	PRON
fsr-3465	504	41	preand	preand	VERB
fsr-3465	504	42	post	post	ADJ
fsr-3465	504	43	-	-	ADJ
fsr-3465	504	44	survey	survey	ADJ
fsr-3465	504	45	results	result	NOUN
fsr-3465	504	46	.	.	PUNCT
fsr-3465	505	1	to	to	PART
fsr-3465	505	2	better	well	ADV
fsr-3465	505	3	gauge	gauge	VERB
fsr-3465	505	4	the	the	DET
fsr-3465	505	5	effect	effect	NOUN
fsr-3465	505	6	of	of	ADP
fsr-3465	505	7	the	the	DET
fsr-3465	505	8	pfp	pfp	NOUN
fsr-3465	505	9	on	on	ADP
fsr-3465	505	10	confidence	confidence	NOUN
fsr-3465	505	11	,	,	PUNCT
fsr-3465	505	12	we	we	PRON
fsr-3465	505	13	introduce	introduce	VERB
fsr-3465	505	14	the	the	DET
fsr-3465	505	15	interaction	interaction	NOUN
fsr-3465	505	16	term	term	NOUN
fsr-3465	505	17	treat*post	treat*post	ADV
fsr-3465	505	18	in	in	ADP
fsr-3465	505	19	column	column	NOUN
fsr-3465	505	20	(	(	PUNCT
fsr-3465	505	21	2	2	NUM
fsr-3465	505	22	)	)	PUNCT
fsr-3465	505	23	to	to	PART
fsr-3465	505	24	more	more	ADV
fsr-3465	505	25	precisely	precisely	ADV
fsr-3465	505	26	isolate	isolate	VERB
fsr-3465	505	27	the	the	DET
fsr-3465	505	28	post	post	ADJ
fsr-3465	505	29	-	-	ADJ
fsr-3465	505	30	treatment	treatment	NOUN
fsr-3465	505	31	group	group	NOUN
fsr-3465	505	32	.	.	PUNCT
fsr-3465	506	1	the	the	DET
fsr-3465	506	2	coefficient	coefficient	NOUN
fsr-3465	506	3	estimate	estimate	NOUN
fsr-3465	506	4	for	for	ADP
fsr-3465	506	5	treat*post	treat*post	NOUN
fsr-3465	506	6	is	be	AUX
fsr-3465	506	7	positive	positive	ADJ
fsr-3465	506	8	and	and	CCONJ
fsr-3465	506	9	statistically	statistically	ADV
fsr-3465	506	10	significant	significant	ADJ
fsr-3465	506	11	at	at	ADP
fsr-3465	506	12	the	the	DET
fsr-3465	506	13	1	1	NUM
fsr-3465	506	14	%	%	NOUN
fsr-3465	506	15	level	level	NOUN
fsr-3465	506	16	,	,	PUNCT
fsr-3465	506	17	while	while	SCONJ
fsr-3465	506	18	treatment	treatment	NOUN
fsr-3465	506	19	is	be	AUX
fsr-3465	506	20	negative	negative	ADJ
fsr-3465	506	21	and	and	CCONJ
fsr-3465	506	22	significant	significant	ADJ
fsr-3465	506	23	,	,	PUNCT
fsr-3465	506	24	confirming	confirm	VERB
fsr-3465	506	25	that	that	SCONJ
fsr-3465	506	26	students	student	NOUN
fsr-3465	506	27	in	in	ADP
fsr-3465	506	28	the	the	DET
fsr-3465	506	29	treatment	treatment	NOUN
fsr-3465	506	30	group	group	NOUN
fsr-3465	506	31	have	have	VERB
fsr-3465	506	32	significantly	significantly	ADV
fsr-3465	506	33	lower	low	ADJ
fsr-3465	506	34	levels	level	NOUN
fsr-3465	506	35	of	of	ADP
fsr-3465	506	36	confidence	confidence	NOUN
fsr-3465	506	37	before	before	ADP
fsr-3465	506	38	the	the	DET
fsr-3465	506	39	seminar	seminar	NOUN
fsr-3465	506	40	.	.	PUNCT
fsr-3465	507	1	this	this	PRON
fsr-3465	507	2	confirms	confirm	VERB
fsr-3465	507	3	the	the	DET
fsr-3465	507	4	univariate	univariate	ADJ
fsr-3465	507	5	results	result	NOUN
fsr-3465	507	6	reported	report	VERB
fsr-3465	507	7	earlier	early	ADV
fsr-3465	507	8	and	and	CCONJ
fsr-3465	507	9	supports	support	VERB
fsr-3465	507	10	hypothesis	hypothesis	NOUN
fsr-3465	507	11	4	4	NUM
fsr-3465	507	12	.	.	PUNCT
fsr-3465	508	1	so	so	ADV
fsr-3465	508	2	,	,	PUNCT
fsr-3465	508	3	seminar	seminar	NOUN
fsr-3465	508	4	participants	participant	NOUN
fsr-3465	508	5	not	not	PART
fsr-3465	508	6	only	only	ADV
fsr-3465	508	7	overcome	overcome	VERB
fsr-3465	508	8	their	their	PRON
fsr-3465	508	9	lack	lack	NOUN
fsr-3465	508	10	of	of	ADP
fsr-3465	508	11	confidence	confidence	NOUN
fsr-3465	508	12	in	in	ADP
fsr-3465	508	13	their	their	PRON
fsr-3465	508	14	financial	financial	ADJ
fsr-3465	508	15	future	future	NOUN
fsr-3465	508	16	relative	relative	ADJ
fsr-3465	508	17	to	to	ADP
fsr-3465	508	18	the	the	DET
fsr-3465	508	19	control	control	NOUN
fsr-3465	508	20	group	group	NOUN
fsr-3465	508	21	,	,	PUNCT
fsr-3465	508	22	but	but	CCONJ
fsr-3465	508	23	their	their	PRON
fsr-3465	508	24	participation	participation	NOUN
fsr-3465	508	25	leads	lead	VERB
fsr-3465	508	26	to	to	ADP
fsr-3465	508	27	significantly	significantly	ADV
fsr-3465	508	28	higher	high	ADJ
fsr-3465	508	29	levels	level	NOUN
fsr-3465	508	30	of	of	ADP
fsr-3465	508	31	confidence	confidence	NOUN
fsr-3465	508	32	than	than	ADP
fsr-3465	508	33	the	the	DET
fsr-3465	508	34	control	control	NOUN
fsr-3465	508	35	group	group	NOUN
fsr-3465	508	36	after	after	ADP
fsr-3465	508	37	seminar	seminar	NOUN
fsr-3465	508	38	participation	participation	NOUN
fsr-3465	508	39	.	.	PUNCT
fsr-3465	509	1	334	334	NUM
fsr-3465	509	2	j.	j.	PROPN
fsr-3465	509	3	handy	handy	PROPN
fsr-3465	509	4	et	et	PROPN
fsr-3465	509	5	al	al	PROPN
fsr-3465	509	6	.	.	PUNCT
fsr-3465	509	7	/	/	SYM
fsr-3465	509	8	financial	financial	ADJ
fsr-3465	509	9	services	service	NOUN
fsr-3465	509	10	review	review	VERB
fsr-3465	509	11	29	29	NUM
fsr-3465	509	12	(	(	PUNCT
fsr-3465	509	13	2021	2021	NUM
fsr-3465	509	14	)	)	PUNCT
fsr-3465	510	1	315–341	315–341	NOUN
fsr-3465	510	2	the	the	DET
fsr-3465	510	3	coefficient	coefficient	NOUN
fsr-3465	510	4	estimates	estimate	NOUN
fsr-3465	510	5	for	for	ADP
fsr-3465	510	6	gender	gender	NOUN
fsr-3465	510	7	in	in	ADP
fsr-3465	510	8	columns	column	NOUN
fsr-3465	510	9	(	(	PUNCT
fsr-3465	510	10	1	1	NUM
fsr-3465	510	11	,	,	PUNCT
fsr-3465	510	12	2	2	NUM
fsr-3465	510	13	)	)	PUNCT
fsr-3465	510	14	indicate	indicate	VERB
fsr-3465	510	15	that	that	SCONJ
fsr-3465	510	16	women	woman	NOUN
fsr-3465	510	17	report	report	VERB
fsr-3465	510	18	significantly	significantly	ADV
fsr-3465	510	19	lower	low	ADJ
fsr-3465	510	20	levels	level	NOUN
fsr-3465	510	21	of	of	ADP
fsr-3465	510	22	confidence	confidence	NOUN
fsr-3465	510	23	(	(	PUNCT
fsr-3465	510	24	pre	pre	X
fsr-3465	510	25	and	and	CCONJ
fsr-3465	510	26	post	post	ADJ
fsr-3465	510	27	)	)	PUNCT
fsr-3465	510	28	in	in	ADP
fsr-3465	510	29	their	their	PRON
fsr-3465	510	30	future	future	NOUN
fsr-3465	510	31	,	,	PUNCT
fsr-3465	510	32	while	while	SCONJ
fsr-3465	510	33	minorities	minority	NOUN
fsr-3465	510	34	show	show	VERB
fsr-3465	510	35	no	no	DET
fsr-3465	510	36	statistical	statistical	ADJ
fsr-3465	510	37	difference	difference	NOUN
fsr-3465	510	38	from	from	ADP
fsr-3465	510	39	caucasians	caucasian	NOUN
fsr-3465	510	40	.	.	PUNCT
fsr-3465	511	1	given	give	VERB
fsr-3465	511	2	the	the	DET
fsr-3465	511	3	starting	starting	NOUN
fsr-3465	511	4	point	point	NOUN
fsr-3465	511	5	with	with	ADP
fsr-3465	511	6	respect	respect	NOUN
fsr-3465	511	7	to	to	ADP
fsr-3465	511	8	financial	financial	ADJ
fsr-3465	511	9	knowledge	knowledge	NOUN
fsr-3465	511	10	for	for	ADP
fsr-3465	511	11	women	woman	NOUN
fsr-3465	511	12	,	,	PUNCT
fsr-3465	511	13	the	the	DET
fsr-3465	511	14	finding	finding	NOUN
fsr-3465	511	15	is	be	AUX
fsr-3465	511	16	expected	expect	VERB
fsr-3465	511	17	.	.	PUNCT
fsr-3465	512	1	in	in	ADP
fsr-3465	512	2	columns	column	NOUN
fsr-3465	512	3	(	(	PUNCT
fsr-3465	512	4	3	3	NUM
fsr-3465	512	5	)	)	PUNCT
fsr-3465	512	6	and	and	CCONJ
fsr-3465	512	7	(	(	PUNCT
fsr-3465	512	8	4	4	NUM
fsr-3465	512	9	)	)	PUNCT
fsr-3465	512	10	,	,	PUNCT
fsr-3465	512	11	we	we	PRON
fsr-3465	512	12	further	far	ADV
fsr-3465	512	13	examine	examine	VERB
fsr-3465	512	14	the	the	DET
fsr-3465	512	15	relationship	relationship	NOUN
fsr-3465	512	16	between	between	ADP
fsr-3465	512	17	gender	gender	NOUN
fsr-3465	512	18	(	(	PUNCT
fsr-3465	512	19	minority	minority	NOUN
fsr-3465	512	20	)	)	PUNCT
fsr-3465	512	21	and	and	CCONJ
fsr-3465	512	22	confidence	confidence	NOUN
fsr-3465	512	23	.	.	PUNCT
fsr-3465	513	1	in	in	ADP
fsr-3465	513	2	column	column	NOUN
fsr-3465	513	3	(	(	PUNCT
fsr-3465	513	4	3	3	NUM
fsr-3465	513	5	)	)	PUNCT
fsr-3465	513	6	,	,	PUNCT
fsr-3465	513	7	we	we	PRON
fsr-3465	513	8	add	add	VERB
fsr-3465	513	9	the	the	DET
fsr-3465	513	10	interaction	interaction	NOUN
fsr-3465	513	11	term	term	NOUN
fsr-3465	513	12	gender*post	gender*post	ADV
fsr-3465	513	13	.	.	PUNCT
fsr-3465	514	1	the	the	DET
fsr-3465	514	2	results	result	NOUN
fsr-3465	514	3	suggest	suggest	VERB
fsr-3465	514	4	that	that	SCONJ
fsr-3465	514	5	women	woman	NOUN
fsr-3465	514	6	have	have	VERB
fsr-3465	514	7	no	no	DET
fsr-3465	514	8	difference	difference	NOUN
fsr-3465	514	9	in	in	ADP
fsr-3465	514	10	post	post	ADJ
fsr-3465	514	11	-	-	ADJ
fsr-3465	514	12	program	program	ADJ
fsr-3465	514	13	confidence	confidence	NOUN
fsr-3465	514	14	levels	level	NOUN
fsr-3465	514	15	relative	relative	ADJ
fsr-3465	514	16	to	to	ADP
fsr-3465	514	17	the	the	DET
fsr-3465	514	18	preprogram	preprogram	NOUN
fsr-3465	514	19	survey	survey	NOUN
fsr-3465	514	20	.	.	PUNCT
fsr-3465	515	1	however	however	ADV
fsr-3465	515	2	,	,	PUNCT
fsr-3465	515	3	the	the	DET
fsr-3465	515	4	coefficient	coefficient	NOUN
fsr-3465	515	5	estimate	estimate	NOUN
fsr-3465	515	6	for	for	ADP
fsr-3465	515	7	gender	gender	NOUN
fsr-3465	515	8	is	be	AUX
fsr-3465	515	9	still	still	ADV
fsr-3465	515	10	negative	negative	ADJ
fsr-3465	515	11	and	and	CCONJ
fsr-3465	515	12	significant	significant	ADJ
fsr-3465	515	13	,	,	PUNCT
fsr-3465	515	14	indicating	indicate	VERB
fsr-3465	515	15	women	woman	NOUN
fsr-3465	515	16	’s	’s	PART
fsr-3465	515	17	confidence	confidence	NOUN
fsr-3465	515	18	is	be	AUX
fsr-3465	515	19	still	still	ADV
fsr-3465	515	20	lower	low	ADJ
fsr-3465	515	21	than	than	ADP
fsr-3465	515	22	males	male	NOUN
fsr-3465	515	23	.	.	PUNCT
fsr-3465	516	1	however	however	ADV
fsr-3465	516	2	,	,	PUNCT
fsr-3465	516	3	as	as	SCONJ
fsr-3465	516	4	was	be	AUX
fsr-3465	516	5	the	the	DET
fsr-3465	516	6	case	case	NOUN
fsr-3465	516	7	in	in	ADP
fsr-3465	516	8	table	table	NOUN
fsr-3465	516	9	3	3	NUM
fsr-3465	516	10	,	,	PUNCT
fsr-3465	516	11	gender*post	gender*post	ADJ
fsr-3465	516	12	groups	group	NOUN
fsr-3465	516	13	all	all	DET
fsr-3465	516	14	women	woman	NOUN
fsr-3465	516	15	together	together	ADV
fsr-3465	516	16	.	.	PUNCT
fsr-3465	517	1	as	as	ADP
fsr-3465	517	2	before	before	ADV
fsr-3465	517	3	,	,	PUNCT
fsr-3465	517	4	in	in	ADP
fsr-3465	517	5	column	column	NOUN
fsr-3465	517	6	(	(	PUNCT
fsr-3465	517	7	4	4	X
fsr-3465	517	8	)	)	PUNCT
fsr-3465	517	9	we	we	PRON
fsr-3465	517	10	add	add	VERB
fsr-3465	517	11	the	the	DET
fsr-3465	517	12	interaction	interaction	NOUN
fsr-3465	517	13	term	term	NOUN
fsr-3465	517	14	minority*post	minority*post	NOUN
fsr-3465	517	15	.	.	PUNCT
fsr-3465	518	1	the	the	DET
fsr-3465	518	2	results	result	NOUN
fsr-3465	518	3	suggest	suggest	VERB
fsr-3465	518	4	that	that	SCONJ
fsr-3465	518	5	there	there	PRON
fsr-3465	518	6	is	be	VERB
fsr-3465	518	7	no	no	DET
fsr-3465	518	8	significant	significant	ADJ
fsr-3465	518	9	change	change	NOUN
fsr-3465	518	10	in	in	ADP
fsr-3465	518	11	confidence	confidence	NOUN
fsr-3465	518	12	levels	level	NOUN
fsr-3465	518	13	in	in	ADP
fsr-3465	518	14	the	the	DET
fsr-3465	518	15	post	post	ADJ
fsr-3465	518	16	-	-	ADJ
fsr-3465	518	17	program	program	NOUN
fsr-3465	518	18	surveys	survey	NOUN
fsr-3465	518	19	.	.	PUNCT
fsr-3465	519	1	similar	similar	ADJ
fsr-3465	519	2	to	to	ADP
fsr-3465	519	3	the	the	DET
fsr-3465	519	4	analysis	analysis	NOUN
fsr-3465	519	5	in	in	ADP
fsr-3465	519	6	table	table	NOUN
fsr-3465	519	7	4	4	NUM
fsr-3465	519	8	,	,	PUNCT
fsr-3465	519	9	we	we	PRON
fsr-3465	519	10	introduce	introduce	VERB
fsr-3465	519	11	fem*treat*post	fem*treat*post	PROPN
fsr-3465	519	12	,	,	PUNCT
fsr-3465	519	13	male*treat*post	male*treat*post	ADJ
fsr-3465	519	14	,	,	PUNCT
fsr-3465	519	15	and	and	CCONJ
fsr-3465	519	16	minority*treat*post	minority*treat*post	PROPN
fsr-3465	519	17	to	to	PART
fsr-3465	519	18	isolate	isolate	VERB
fsr-3465	519	19	the	the	DET
fsr-3465	519	20	gender	gender	NOUN
fsr-3465	519	21	,	,	PUNCT
fsr-3465	519	22	minority	minority	NOUN
fsr-3465	519	23	,	,	PUNCT
fsr-3465	519	24	and	and	CCONJ
fsr-3465	519	25	treatment	treatment	NOUN
fsr-3465	519	26	effects	effect	NOUN
fsr-3465	519	27	.	.	PUNCT
fsr-3465	520	1	results	result	NOUN
fsr-3465	520	2	are	be	AUX
fsr-3465	520	3	presented	present	VERB
fsr-3465	520	4	in	in	ADP
fsr-3465	520	5	table	table	NOUN
fsr-3465	520	6	6	6	NUM
fsr-3465	520	7	.	.	PUNCT
fsr-3465	521	1	in	in	ADP
fsr-3465	521	2	column	column	NOUN
fsr-3465	521	3	(	(	PUNCT
fsr-3465	521	4	1	1	NUM
fsr-3465	521	5	)	)	PUNCT
fsr-3465	521	6	,	,	PUNCT
fsr-3465	521	7	we	we	PRON
fsr-3465	521	8	see	see	VERB
fsr-3465	521	9	that	that	SCONJ
fsr-3465	521	10	both	both	PRON
fsr-3465	521	11	women	woman	NOUN
fsr-3465	521	12	and	and	CCONJ
fsr-3465	521	13	men	man	NOUN
fsr-3465	521	14	in	in	ADP
fsr-3465	521	15	the	the	DET
fsr-3465	521	16	treatment	treatment	NOUN
fsr-3465	521	17	(	(	PUNCT
fsr-3465	521	18	male*treat*post	male*treat*post	PROPN
fsr-3465	521	19	and	and	CCONJ
fsr-3465	521	20	female*treat*post	female*treat*post	PROPN
fsr-3465	521	21	)	)	PUNCT
fsr-3465	521	22	group	group	NOUN
fsr-3465	521	23	have	have	VERB
fsr-3465	521	24	significantly	significantly	ADV
fsr-3465	521	25	higher	high	ADJ
fsr-3465	521	26	levels	level	NOUN
fsr-3465	521	27	of	of	ADP
fsr-3465	521	28	confidence	confidence	NOUN
fsr-3465	521	29	after	after	ADP
fsr-3465	521	30	participating	participate	VERB
fsr-3465	521	31	in	in	ADP
fsr-3465	521	32	the	the	DET
fsr-3465	521	33	program	program	NOUN
fsr-3465	521	34	,	,	PUNCT
fsr-3465	521	35	further	further	ADJ
fsr-3465	521	36	support	support	NOUN
fsr-3465	521	37	for	for	ADP
fsr-3465	521	38	hypothesis	hypothesis	NOUN
fsr-3465	521	39	4	4	NUM
fsr-3465	521	40	.	.	PUNCT
fsr-3465	522	1	the	the	DET
fsr-3465	522	2	results	result	NOUN
fsr-3465	522	3	in	in	ADP
fsr-3465	522	4	column	column	NOUN
fsr-3465	522	5	(	(	PUNCT
fsr-3465	522	6	1	1	X
fsr-3465	522	7	)	)	PUNCT
fsr-3465	522	8	are	be	AUX
fsr-3465	522	9	important	important	ADJ
fsr-3465	522	10	because	because	SCONJ
fsr-3465	522	11	the	the	DET
fsr-3465	522	12	coefficient	coefficient	NOUN
fsr-3465	522	13	estimate	estimate	NOUN
fsr-3465	522	14	for	for	ADP
fsr-3465	522	15	treatment	treatment	NOUN
fsr-3465	522	16	is	be	AUX
fsr-3465	522	17	negative	negative	ADJ
fsr-3465	522	18	and	and	CCONJ
fsr-3465	522	19	significant	significant	ADJ
fsr-3465	522	20	,	,	PUNCT
fsr-3465	522	21	consistent	consistent	ADJ
fsr-3465	522	22	with	with	ADP
fsr-3465	522	23	the	the	DET
fsr-3465	522	24	treatment	treatment	NOUN
fsr-3465	522	25	group	group	NOUN
fsr-3465	522	26	being	be	AUX
fsr-3465	522	27	less	less	ADV
fsr-3465	522	28	confident	confident	ADJ
fsr-3465	522	29	than	than	ADP
fsr-3465	522	30	the	the	DET
fsr-3465	522	31	control	control	NOUN
fsr-3465	522	32	group	group	NOUN
fsr-3465	522	33	on	on	ADP
fsr-3465	522	34	the	the	DET
fsr-3465	522	35	presurvey	presurvey	NOUN
fsr-3465	522	36	,	,	PUNCT
fsr-3465	522	37	but	but	CCONJ
fsr-3465	522	38	the	the	DET
fsr-3465	522	39	interaction	interaction	NOUN
fsr-3465	522	40	terms	term	NOUN
fsr-3465	522	41	,	,	PUNCT
fsr-3465	522	42	male*treat*post	male*treat*post	PROPN
fsr-3465	522	43	and	and	CCONJ
fsr-3465	522	44	female*treat*post	female*treat*post	PROPN
fsr-3465	522	45	,	,	PUNCT
fsr-3465	522	46	indicate	indicate	VERB
fsr-3465	522	47	that	that	SCONJ
fsr-3465	522	48	while	while	SCONJ
fsr-3465	522	49	both	both	DET
fsr-3465	522	50	males	male	NOUN
fsr-3465	522	51	and	and	CCONJ
fsr-3465	522	52	females	female	NOUN
fsr-3465	522	53	in	in	ADP
fsr-3465	522	54	the	the	DET
fsr-3465	522	55	program	program	NOUN
fsr-3465	522	56	improve	improve	NOUN
fsr-3465	522	57	,	,	PUNCT
fsr-3465	522	58	they	they	PRON
fsr-3465	522	59	do	do	VERB
fsr-3465	522	60	so	so	ADV
fsr-3465	522	61	at	at	ADP
fsr-3465	522	62	levels	level	NOUN
fsr-3465	522	63	that	that	PRON
fsr-3465	522	64	are	be	AUX
fsr-3465	522	65	now	now	ADV
fsr-3465	522	66	higher	high	ADJ
fsr-3465	522	67	than	than	ADP
fsr-3465	522	68	the	the	DET
fsr-3465	522	69	control	control	NOUN
fsr-3465	522	70	group	group	NOUN
fsr-3465	522	71	.	.	PUNCT
fsr-3465	523	1	we	we	PRON
fsr-3465	523	2	find	find	VERB
fsr-3465	523	3	complementary	complementary	ADJ
fsr-3465	523	4	results	result	NOUN
fsr-3465	523	5	in	in	ADP
fsr-3465	523	6	column	column	NOUN
fsr-3465	523	7	(	(	PUNCT
fsr-3465	523	8	2	2	NUM
fsr-3465	523	9	)	)	PUNCT
fsr-3465	523	10	of	of	ADP
fsr-3465	523	11	table	table	NOUN
fsr-3465	523	12	6	6	NUM
fsr-3465	523	13	for	for	ADP
fsr-3465	523	14	minorities	minority	NOUN
fsr-3465	523	15	in	in	ADP
fsr-3465	523	16	the	the	DET
fsr-3465	523	17	treatment	treatment	NOUN
fsr-3465	523	18	group	group	NOUN
fsr-3465	523	19	;	;	PUNCT
fsr-3465	523	20	their	their	PRON
fsr-3465	523	21	confidence	confidence	NOUN
fsr-3465	523	22	is	be	AUX
fsr-3465	523	23	significantly	significantly	ADV
fsr-3465	523	24	higher	high	ADJ
fsr-3465	523	25	than	than	ADP
fsr-3465	523	26	the	the	DET
fsr-3465	523	27	control	control	NOUN
fsr-3465	523	28	group	group	NOUN
fsr-3465	523	29	,	,	PUNCT
fsr-3465	523	30	additional	additional	ADJ
fsr-3465	523	31	support	support	NOUN
fsr-3465	523	32	for	for	ADP
fsr-3465	523	33	hypothesis	hypothesis	NOUN
fsr-3465	523	34	4	4	NUM
fsr-3465	523	35	.	.	PUNCT
fsr-3465	524	1	the	the	DET
fsr-3465	524	2	results	result	NOUN
fsr-3465	524	3	in	in	ADP
fsr-3465	524	4	column	column	NOUN
fsr-3465	524	5	(	(	PUNCT
fsr-3465	524	6	3	3	X
fsr-3465	524	7	)	)	PUNCT
fsr-3465	524	8	show	show	VERB
fsr-3465	524	9	that	that	SCONJ
fsr-3465	524	10	the	the	DET
fsr-3465	524	11	results	result	NOUN
fsr-3465	524	12	are	be	AUX
fsr-3465	524	13	generally	generally	ADV
fsr-3465	524	14	robust	robust	ADJ
fsr-3465	524	15	when	when	SCONJ
fsr-3465	524	16	including	include	VERB
fsr-3465	524	17	all	all	PRON
fsr-3465	524	18	of	of	ADP
fsr-3465	524	19	the	the	DET
fsr-3465	524	20	interaction	interaction	NOUN
fsr-3465	524	21	terms	term	NOUN
fsr-3465	524	22	together	together	ADV
fsr-3465	524	23	,	,	PUNCT
fsr-3465	524	24	although	although	SCONJ
fsr-3465	524	25	minority*treat*post	minority*treat*post	ADJ
fsr-3465	524	26	is	be	AUX
fsr-3465	524	27	no	no	ADV
fsr-3465	524	28	longer	long	ADV
fsr-3465	524	29	significant	significant	ADJ
fsr-3465	524	30	at	at	ADP
fsr-3465	524	31	conventional	conventional	ADJ
fsr-3465	524	32	levels	level	NOUN
fsr-3465	524	33	.	.	PUNCT
fsr-3465	525	1	6.3	6.3	NUM
fsr-3465	525	2	.	.	PUNCT
fsr-3465	525	3	section	section	NOUN
fsr-3465	525	4	5.3	5.3	NUM
fsr-3465	525	5	:	:	PUNCT
fsr-3465	525	6	robustness	robustness	NOUN
fsr-3465	525	7	tests	test	NOUN
fsr-3465	525	8	in	in	ADP
fsr-3465	525	9	total	total	NOUN
fsr-3465	525	10	,	,	PUNCT
fsr-3465	525	11	our	our	PRON
fsr-3465	525	12	multivariate	multivariate	NOUN
fsr-3465	525	13	analysis	analysis	NOUN
fsr-3465	525	14	supports	support	VERB
fsr-3465	525	15	all	all	DET
fsr-3465	525	16	four	four	NUM
fsr-3465	525	17	of	of	ADP
fsr-3465	525	18	our	our	PRON
fsr-3465	525	19	hypotheses	hypothesis	NOUN
fsr-3465	525	20	.	.	PUNCT
fsr-3465	526	1	however	however	ADV
fsr-3465	526	2	,	,	PUNCT
fsr-3465	526	3	one	one	PRON
fsr-3465	526	4	might	might	AUX
fsr-3465	526	5	argue	argue	VERB
fsr-3465	526	6	that	that	SCONJ
fsr-3465	526	7	the	the	DET
fsr-3465	526	8	measurement	measurement	NOUN
fsr-3465	526	9	of	of	ADP
fsr-3465	526	10	confidence	confidence	NOUN
fsr-3465	526	11	as	as	ADP
fsr-3465	526	12	a	a	DET
fsr-3465	526	13	discrete	discrete	ADJ
fsr-3465	526	14	variable	variable	NOUN
fsr-3465	526	15	ranging	range	VERB
fsr-3465	526	16	from	from	ADP
fsr-3465	526	17	0	0	NUM
fsr-3465	526	18	to	to	PART
fsr-3465	526	19	5	5	NUM
fsr-3465	526	20	makes	make	VERB
fsr-3465	526	21	using	use	VERB
fsr-3465	526	22	ordinary	ordinary	ADJ
fsr-3465	526	23	least	least	ADJ
fsr-3465	526	24	squares	square	NOUN
fsr-3465	526	25	inappropriate	inappropriate	ADJ
fsr-3465	526	26	because	because	SCONJ
fsr-3465	526	27	the	the	DET
fsr-3465	526	28	least	least	ADJ
fsr-3465	526	29	squares	square	NOUN
fsr-3465	526	30	technique	technique	NOUN
fsr-3465	526	31	assumes	assume	VERB
fsr-3465	526	32	a	a	DET
fsr-3465	526	33	linear	linear	ADJ
fsr-3465	526	34	change	change	NOUN
fsr-3465	526	35	from	from	ADP
fsr-3465	526	36	one	one	NUM
fsr-3465	526	37	value	value	NOUN
fsr-3465	526	38	of	of	ADP
fsr-3465	526	39	confidence	confidence	NOUN
fsr-3465	526	40	to	to	ADP
fsr-3465	526	41	another	another	PRON
fsr-3465	526	42	,	,	PUNCT
fsr-3465	526	43	which	which	PRON
fsr-3465	526	44	may	may	AUX
fsr-3465	526	45	not	not	PART
fsr-3465	526	46	be	be	AUX
fsr-3465	526	47	true	true	ADJ
fsr-3465	526	48	.	.	PUNCT
fsr-3465	527	1	as	as	ADP
fsr-3465	527	2	such	such	ADJ
fsr-3465	527	3	,	,	PUNCT
fsr-3465	527	4	we	we	PRON
fsr-3465	527	5	also	also	ADV
fsr-3465	527	6	estimate	estimate	VERB
fsr-3465	527	7	eq	eq	ADJ
fsr-3465	527	8	.	.	PUNCT
fsr-3465	528	1	(	(	PUNCT
fsr-3465	528	2	1	1	X
fsr-3465	528	3	)	)	PUNCT
fsr-3465	528	4	for	for	ADP
fsr-3465	528	5	confidence	confidence	NOUN
fsr-3465	528	6	using	use	VERB
fsr-3465	528	7	an	an	DET
fsr-3465	528	8	ordered	order	VERB
fsr-3465	528	9	probit	probit	NOUN
fsr-3465	528	10	model	model	NOUN
fsr-3465	528	11	.	.	PUNCT
fsr-3465	529	1	the	the	DET
fsr-3465	529	2	results	result	NOUN
fsr-3465	529	3	in	in	ADP
fsr-3465	529	4	terms	term	NOUN
fsr-3465	529	5	of	of	ADP
fsr-3465	529	6	statistical	statistical	ADJ
fsr-3465	529	7	significance	significance	NOUN
fsr-3465	529	8	and	and	CCONJ
fsr-3465	529	9	directional	directional	ADJ
fsr-3465	529	10	effect	effect	NOUN
fsr-3465	529	11	of	of	ADP
fsr-3465	529	12	variables	variable	NOUN
fsr-3465	529	13	on	on	ADP
fsr-3465	529	14	confidence	confidence	NOUN
fsr-3465	529	15	are	be	AUX
fsr-3465	529	16	unchanged	unchanged	ADJ
fsr-3465	529	17	from	from	ADP
fsr-3465	529	18	those	those	PRON
fsr-3465	529	19	presented	present	VERB
fsr-3465	529	20	in	in	ADP
fsr-3465	529	21	tables	table	NOUN
fsr-3465	529	22	5	5	NUM
fsr-3465	529	23	-	-	SYM
fsr-3465	529	24	6	6	NUM
fsr-3465	529	25	.	.	PUNCT
fsr-3465	530	1	in	in	ADP
fsr-3465	530	2	total	total	NOUN
fsr-3465	530	3	,	,	PUNCT
fsr-3465	530	4	our	our	PRON
fsr-3465	530	5	analysis	analysis	NOUN
fsr-3465	530	6	is	be	AUX
fsr-3465	530	7	robust	robust	ADJ
fsr-3465	530	8	to	to	ADP
fsr-3465	530	9	a	a	DET
fsr-3465	530	10	multivariate	multivariate	NOUN
fsr-3465	530	11	framework	framework	NOUN
fsr-3465	530	12	using	use	VERB
fsr-3465	530	13	alternative	alternative	ADJ
fsr-3465	530	14	estimation	estimation	NOUN
fsr-3465	530	15	techniques	technique	NOUN
fsr-3465	530	16	.	.	PUNCT
fsr-3465	531	1	6.4	6.4	NUM
fsr-3465	531	2	.	.	PUNCT
fsr-3465	531	3	section	section	NOUN
fsr-3465	531	4	5.4	5.4	NUM
fsr-3465	531	5	:	:	PUNCT
fsr-3465	531	6	reconciling	reconcile	VERB
fsr-3465	531	7	results	result	NOUN
fsr-3465	531	8	for	for	ADP
fsr-3465	531	9	knowledge	knowledge	NOUN
fsr-3465	531	10	and	and	CCONJ
fsr-3465	531	11	confidence7	confidence7	VERB
fsr-3465	531	12	the	the	DET
fsr-3465	531	13	results	result	NOUN
fsr-3465	531	14	above	above	AUX
fsr-3465	531	15	demonstrate	demonstrate	VERB
fsr-3465	531	16	that	that	SCONJ
fsr-3465	531	17	pfp	pfp	PROPN
fsr-3465	531	18	students	student	NOUN
fsr-3465	531	19	see	see	VERB
fsr-3465	531	20	their	their	PRON
fsr-3465	531	21	knowledge	knowledge	NOUN
fsr-3465	531	22	scores	score	NOUN
fsr-3465	531	23	and	and	CCONJ
fsr-3465	531	24	their	their	PRON
fsr-3465	531	25	confidence	confidence	NOUN
fsr-3465	531	26	about	about	ADP
fsr-3465	531	27	their	their	PRON
fsr-3465	531	28	ability	ability	NOUN
fsr-3465	531	29	to	to	PART
fsr-3465	531	30	manage	manage	VERB
fsr-3465	531	31	their	their	PRON
fsr-3465	531	32	financial	financial	ADJ
fsr-3465	531	33	future	future	NOUN
fsr-3465	531	34	rise	rise	NOUN
fsr-3465	531	35	significantly	significantly	ADV
fsr-3465	531	36	after	after	ADP
fsr-3465	531	37	seminar	seminar	NOUN
fsr-3465	531	38	participation	participation	NOUN
fsr-3465	531	39	.	.	PUNCT
fsr-3465	532	1	the	the	DET
fsr-3465	532	2	result	result	NOUN
fsr-3465	532	3	for	for	ADP
fsr-3465	532	4	confidence	confidence	NOUN
fsr-3465	532	5	is	be	AUX
fsr-3465	532	6	particularly	particularly	ADV
fsr-3465	532	7	striking	striking	ADJ
fsr-3465	532	8	;	;	PUNCT
fsr-3465	532	9	pfp	pfp	PROPN
fsr-3465	532	10	students	student	NOUN
fsr-3465	532	11	go	go	VERB
fsr-3465	532	12	from	from	ADP
fsr-3465	532	13	having	have	VERB
fsr-3465	532	14	significantly	significantly	ADV
fsr-3465	532	15	lower	low	ADJ
fsr-3465	532	16	confidence	confidence	NOUN
fsr-3465	532	17	than	than	ADP
fsr-3465	532	18	the	the	DET
fsr-3465	532	19	control	control	NOUN
fsr-3465	532	20	group	group	NOUN
fsr-3465	532	21	to	to	ADP
fsr-3465	532	22	having	have	VERB
fsr-3465	532	23	significantly	significantly	ADV
fsr-3465	532	24	higher	high	ADJ
fsr-3465	532	25	j.	j.	PROPN
fsr-3465	532	26	handy	handy	PROPN
fsr-3465	532	27	et	et	PROPN
fsr-3465	532	28	al	al	PROPN
fsr-3465	532	29	.	.	PUNCT
fsr-3465	533	1	/	/	SYM
fsr-3465	533	2	financial	financial	ADJ
fsr-3465	533	3	services	service	NOUN
fsr-3465	533	4	review	review	VERB
fsr-3465	533	5	29	29	NUM
fsr-3465	533	6	(	(	PUNCT
fsr-3465	533	7	2021	2021	NUM
fsr-3465	533	8	)	)	PUNCT
fsr-3465	534	1	315–341	315–341	NUM
fsr-3465	534	2	335	335	NUM
fsr-3465	534	3	confidence	confidence	NOUN
fsr-3465	534	4	than	than	ADP
fsr-3465	534	5	the	the	DET
fsr-3465	534	6	control	control	NOUN
fsr-3465	534	7	group	group	NOUN
fsr-3465	534	8	after	after	ADP
fsr-3465	534	9	seminar	seminar	NOUN
fsr-3465	534	10	participation	participation	NOUN
fsr-3465	534	11	.	.	PUNCT
fsr-3465	535	1	of	of	ADP
fsr-3465	535	2	course	course	NOUN
fsr-3465	535	3	,	,	PUNCT
fsr-3465	535	4	increasing	increase	VERB
fsr-3465	535	5	confidence	confidence	NOUN
fsr-3465	535	6	may	may	AUX
fsr-3465	535	7	not	not	PART
fsr-3465	535	8	be	be	AUX
fsr-3465	535	9	well	well	ADV
fsr-3465	535	10	placed	place	VERB
fsr-3465	535	11	if	if	SCONJ
fsr-3465	535	12	it	it	PRON
fsr-3465	535	13	is	be	AUX
fsr-3465	535	14	not	not	PART
fsr-3465	535	15	calibrated	calibrate	VERB
fsr-3465	535	16	to	to	ADP
fsr-3465	535	17	one	one	NUM
fsr-3465	535	18	’s	’s	PART
fsr-3465	535	19	financial	financial	ADJ
fsr-3465	535	20	knowledge	knowledge	NOUN
fsr-3465	535	21	.	.	PUNCT
fsr-3465	536	1	prior	prior	ADJ
fsr-3465	536	2	research	research	NOUN
fsr-3465	536	3	shows	show	VERB
fsr-3465	536	4	that	that	SCONJ
fsr-3465	536	5	people	people	NOUN
fsr-3465	536	6	who	who	PRON
fsr-3465	536	7	overestimate	overestimate	VERB
fsr-3465	536	8	their	their	PRON
fsr-3465	536	9	skills	skill	NOUN
fsr-3465	536	10	or	or	CCONJ
fsr-3465	536	11	knowledge	knowledge	NOUN
fsr-3465	536	12	often	often	ADV
fsr-3465	536	13	make	make	VERB
fsr-3465	536	14	poor	poor	ADJ
fsr-3465	536	15	decisions	decision	NOUN
fsr-3465	536	16	and	and	CCONJ
fsr-3465	536	17	suffer	suffer	VERB
fsr-3465	536	18	negative	negative	ADJ
fsr-3465	536	19	consequences	consequence	NOUN
fsr-3465	536	20	(	(	PUNCT
fsr-3465	536	21	e.g.	e.g.	ADV
fsr-3465	536	22	,	,	PUNCT
fsr-3465	536	23	kruger	kruger	PROPN
fsr-3465	536	24	&	&	CCONJ
fsr-3465	536	25	dunning	dun	VERB
fsr-3465	536	26	,	,	PUNCT
fsr-3465	536	27	1999	1999	NUM
fsr-3465	536	28	)	)	PUNCT
fsr-3465	536	29	.	.	PUNCT
fsr-3465	537	1	indeed	indeed	ADV
fsr-3465	537	2	,	,	PUNCT
fsr-3465	537	3	if	if	SCONJ
fsr-3465	537	4	students	student	NOUN
fsr-3465	537	5	simply	simply	ADV
fsr-3465	537	6	believe	believe	VERB
fsr-3465	537	7	that	that	SCONJ
fsr-3465	537	8	by	by	ADP
fsr-3465	537	9	participating	participate	VERB
fsr-3465	537	10	in	in	ADP
fsr-3465	537	11	the	the	DET
fsr-3465	537	12	seminar	seminar	NOUN
fsr-3465	537	13	that	that	PRON
fsr-3465	537	14	they	they	PRON
fsr-3465	537	15	are	be	AUX
fsr-3465	537	16	now	now	ADV
fsr-3465	537	17	better	well	ADV
fsr-3465	537	18	able	able	ADJ
fsr-3465	537	19	to	to	PART
fsr-3465	537	20	handle	handle	VERB
fsr-3465	537	21	their	their	PRON
fsr-3465	537	22	financial	financial	ADJ
fsr-3465	537	23	future	future	NOUN
fsr-3465	537	24	,	,	PUNCT
fsr-3465	537	25	their	their	PRON
fsr-3465	537	26	“	"	PUNCT
fsr-3465	537	27	improved	improve	VERB
fsr-3465	537	28	”	"	PUNCT
fsr-3465	537	29	confidence	confidence	NOUN
fsr-3465	537	30	may	may	AUX
fsr-3465	537	31	actually	actually	ADV
fsr-3465	537	32	result	result	VERB
fsr-3465	537	33	in	in	ADP
fsr-3465	537	34	poor	poor	ADJ
fsr-3465	537	35	financial	financial	ADJ
fsr-3465	537	36	choices	choice	NOUN
fsr-3465	537	37	.	.	PUNCT
fsr-3465	538	1	in	in	ADP
fsr-3465	538	2	contrast	contrast	NOUN
fsr-3465	538	3	,	,	PUNCT
fsr-3465	538	4	if	if	SCONJ
fsr-3465	538	5	students	student	NOUN
fsr-3465	538	6	believe	believe	VERB
fsr-3465	538	7	they	they	PRON
fsr-3465	538	8	can	can	AUX
fsr-3465	538	9	better	well	ADV
fsr-3465	538	10	handle	handle	VERB
fsr-3465	538	11	their	their	PRON
fsr-3465	538	12	financial	financial	ADJ
fsr-3465	538	13	future	future	NOUN
fsr-3465	538	14	because	because	SCONJ
fsr-3465	538	15	they	they	PRON
fsr-3465	538	16	have	have	VERB
fsr-3465	538	17	more	more	ADJ
fsr-3465	538	18	knowledge	knowledge	NOUN
fsr-3465	538	19	to	to	PART
fsr-3465	538	20	apply	apply	VERB
fsr-3465	538	21	,	,	PUNCT
fsr-3465	538	22	this	this	DET
fsr-3465	538	23	increased	increase	VERB
fsr-3465	538	24	confidence	confidence	NOUN
fsr-3465	538	25	may	may	AUX
fsr-3465	538	26	result	result	VERB
fsr-3465	538	27	in	in	ADP
fsr-3465	538	28	more	more	ADV
fsr-3465	538	29	assertive	assertive	ADJ
fsr-3465	538	30	and	and	CCONJ
fsr-3465	538	31	effective	effective	ADJ
fsr-3465	538	32	financial	financial	ADJ
fsr-3465	538	33	behaviors	behavior	NOUN
fsr-3465	538	34	.	.	PUNCT
fsr-3465	539	1	indeed	indeed	ADV
fsr-3465	539	2	,	,	PUNCT
fsr-3465	539	3	researchers	researcher	NOUN
fsr-3465	539	4	have	have	AUX
fsr-3465	539	5	identified	identify	VERB
fsr-3465	539	6	that	that	SCONJ
fsr-3465	539	7	in	in	ADP
fsr-3465	539	8	addition	addition	NOUN
fsr-3465	539	9	to	to	ADP
fsr-3465	539	10	knowledge	knowledge	NOUN
fsr-3465	539	11	about	about	ADP
fsr-3465	539	12	finance	finance	NOUN
fsr-3465	539	13	,	,	PUNCT
fsr-3465	539	14	people	people	NOUN
fsr-3465	539	15	must	must	AUX
fsr-3465	539	16	have	have	VERB
fsr-3465	539	17	a	a	DET
fsr-3465	539	18	sense	sense	NOUN
fsr-3465	539	19	of	of	ADP
fsr-3465	539	20	financial	financial	ADJ
fsr-3465	539	21	self	self	NOUN
fsr-3465	539	22	-	-	PUNCT
fsr-3465	539	23	efficacy	efficacy	NOUN
fsr-3465	539	24	to	to	PART
fsr-3465	539	25	act	act	VERB
fsr-3465	539	26	on	on	ADP
fsr-3465	539	27	that	that	DET
fsr-3465	539	28	knowledge	knowledge	NOUN
fsr-3465	539	29	(	(	PUNCT
fsr-3465	539	30	e.g.	e.g.	ADV
fsr-3465	539	31	,	,	PUNCT
fsr-3465	539	32	farrell	farrell	PROPN
fsr-3465	539	33	,	,	PUNCT
fsr-3465	539	34	fry	fry	PROPN
fsr-3465	539	35	,	,	PUNCT
fsr-3465	539	36	&	&	CCONJ
fsr-3465	539	37	risse	risse	PROPN
fsr-3465	539	38	,	,	PUNCT
fsr-3465	539	39	2016	2016	NUM
fsr-3465	539	40	;	;	PUNCT
fsr-3465	539	41	lapp	lapp	NOUN
fsr-3465	539	42	,	,	PUNCT
fsr-3465	539	43	2010	2010	NUM
fsr-3465	539	44	)	)	PUNCT
fsr-3465	539	45	to	to	PART
fsr-3465	539	46	experience	experience	VERB
fsr-3465	539	47	long	long	ADJ
fsr-3465	539	48	-	-	PUNCT
fsr-3465	539	49	term	term	NOUN
fsr-3465	539	50	financial	financial	ADJ
fsr-3465	539	51	success	success	NOUN
fsr-3465	539	52	and	and	CCONJ
fsr-3465	539	53	stability	stability	NOUN
fsr-3465	539	54	.	.	PUNCT
fsr-3465	540	1	we	we	PRON
fsr-3465	540	2	speculate	speculate	VERB
fsr-3465	540	3	that	that	SCONJ
fsr-3465	540	4	our	our	PRON
fsr-3465	540	5	knowledge	knowledge	NOUN
fsr-3465	540	6	and	and	CCONJ
fsr-3465	540	7	confidence	confidence	NOUN
fsr-3465	540	8	findings	finding	NOUN
fsr-3465	540	9	may	may	AUX
fsr-3465	540	10	represent	represent	VERB
fsr-3465	540	11	a	a	DET
fsr-3465	540	12	kind	kind	NOUN
fsr-3465	540	13	of	of	ADP
fsr-3465	540	14	financial	financial	ADJ
fsr-3465	540	15	self	self	NOUN
fsr-3465	540	16	-	-	PUNCT
fsr-3465	540	17	efficacy	efficacy	NOUN
fsr-3465	540	18	(	(	PUNCT
fsr-3465	540	19	i.e.	i.e.	X
fsr-3465	540	20	,	,	PUNCT
fsr-3465	540	21	students	student	NOUN
fsr-3465	540	22	gain	gain	VERB
fsr-3465	540	23	knowledge	knowledge	NOUN
fsr-3465	540	24	and	and	CCONJ
fsr-3465	540	25	believe	believe	VERB
fsr-3465	540	26	in	in	ADP
fsr-3465	540	27	their	their	PRON
fsr-3465	540	28	ability	ability	NOUN
fsr-3465	540	29	to	to	PART
fsr-3465	540	30	apply	apply	VERB
fsr-3465	540	31	that	that	DET
fsr-3465	540	32	knowledge	knowledge	NOUN
fsr-3465	540	33	to	to	PART
fsr-3465	540	34	positively	positively	ADV
fsr-3465	540	35	affect	affect	VERB
fsr-3465	540	36	their	their	PRON
fsr-3465	540	37	financial	financial	ADJ
fsr-3465	540	38	future	future	NOUN
fsr-3465	540	39	)	)	PUNCT
fsr-3465	540	40	.	.	PUNCT
fsr-3465	541	1	we	we	PRON
fsr-3465	541	2	now	now	ADV
fsr-3465	541	3	make	make	VERB
fsr-3465	541	4	an	an	DET
fsr-3465	541	5	effort	effort	NOUN
fsr-3465	541	6	to	to	PART
fsr-3465	541	7	gauge	gauge	VERB
fsr-3465	541	8	the	the	DET
fsr-3465	541	9	“	"	PUNCT
fsr-3465	541	10	calibration	calibration	NOUN
fsr-3465	541	11	”	"	PUNCT
fsr-3465	541	12	between	between	ADP
fsr-3465	541	13	student	student	NOUN
fsr-3465	541	14	financial	financial	ADJ
fsr-3465	541	15	knowledge	knowledge	NOUN
fsr-3465	541	16	and	and	CCONJ
fsr-3465	541	17	confidence	confidence	NOUN
fsr-3465	541	18	in	in	ADP
fsr-3465	541	19	their	their	PRON
fsr-3465	541	20	financial	financial	ADJ
fsr-3465	541	21	future	future	NOUN
fsr-3465	541	22	.	.	PUNCT
fsr-3465	542	1	to	to	PART
fsr-3465	542	2	do	do	VERB
fsr-3465	542	3	so	so	ADV
fsr-3465	542	4	,	,	PUNCT
fsr-3465	542	5	we	we	PRON
fsr-3465	542	6	use	use	VERB
fsr-3465	542	7	a	a	DET
fsr-3465	542	8	simplified	simplified	ADJ
fsr-3465	542	9	linear	linear	NOUN
fsr-3465	542	10	model	model	NOUN
fsr-3465	542	11	of	of	ADP
fsr-3465	542	12	the	the	DET
fsr-3465	542	13	form	form	NOUN
fsr-3465	542	14	:	:	PUNCT
fsr-3465	542	15	confidence	confidence	NOUN
fsr-3465	542	16	¼	¼	NOUN
fsr-3465	542	17	a	a	DET
fsr-3465	542	18	þ	þ	NOUN
fsr-3465	542	19	bknowscore	bknowscore	NOUN
fsr-3465	542	20	þ	þ	NOUN
fsr-3465	542	21	«	«	PUNCT
fsr-3465	542	22	(	(	PUNCT
fsr-3465	542	23	2	2	NUM
fsr-3465	542	24	)	)	PUNCT
fsr-3465	542	25	where	where	SCONJ
fsr-3465	542	26	we	we	PRON
fsr-3465	542	27	assume	assume	VERB
fsr-3465	542	28	that	that	SCONJ
fsr-3465	542	29	a	a	DET
fsr-3465	542	30	student	student	NOUN
fsr-3465	542	31	’s	’s	PART
fsr-3465	542	32	confidence	confidence	NOUN
fsr-3465	542	33	in	in	ADP
fsr-3465	542	34	their	their	PRON
fsr-3465	542	35	financial	financial	ADJ
fsr-3465	542	36	future	future	NOUN
fsr-3465	542	37	is	be	AUX
fsr-3465	542	38	fully	fully	ADV
fsr-3465	542	39	explained	explain	VERB
fsr-3465	542	40	by	by	ADP
fsr-3465	542	41	their	their	PRON
fsr-3465	542	42	financial	financial	ADJ
fsr-3465	542	43	knowledge	knowledge	NOUN
fsr-3465	542	44	.	.	PUNCT
fsr-3465	543	1	we	we	PRON
fsr-3465	543	2	recognize	recognize	VERB
fsr-3465	543	3	that	that	SCONJ
fsr-3465	543	4	this	this	PRON
fsr-3465	543	5	is	be	AUX
fsr-3465	543	6	a	a	DET
fsr-3465	543	7	strong	strong	ADJ
fsr-3465	543	8	assumption	assumption	NOUN
fsr-3465	543	9	,	,	PUNCT
fsr-3465	543	10	but	but	CCONJ
fsr-3465	543	11	we	we	PRON
fsr-3465	543	12	believe	believe	VERB
fsr-3465	543	13	that	that	SCONJ
fsr-3465	543	14	this	this	PRON
fsr-3465	543	15	allows	allow	VERB
fsr-3465	543	16	us	we	PRON
fsr-3465	543	17	to	to	PART
fsr-3465	543	18	cleanly	cleanly	ADV
fsr-3465	543	19	evaluate	evaluate	VERB
fsr-3465	543	20	whether	whether	SCONJ
fsr-3465	543	21	participation	participation	NOUN
fsr-3465	543	22	in	in	ADP
fsr-3465	543	23	the	the	DET
fsr-3465	543	24	pfp	pfp	PROPN
fsr-3465	543	25	not	not	PART
fsr-3465	543	26	only	only	ADV
fsr-3465	543	27	increases	increase	VERB
fsr-3465	543	28	confidence	confidence	NOUN
fsr-3465	543	29	but	but	CCONJ
fsr-3465	543	30	does	do	VERB
fsr-3465	543	31	so	so	ADV
fsr-3465	543	32	in	in	ADP
fsr-3465	543	33	a	a	DET
fsr-3465	543	34	way	way	NOUN
fsr-3465	543	35	that	that	PRON
fsr-3465	543	36	tracks	track	VERB
fsr-3465	543	37	increases	increase	NOUN
fsr-3465	543	38	in	in	ADP
fsr-3465	543	39	knowledge	knowledge	NOUN
fsr-3465	543	40	.	.	PUNCT
fsr-3465	544	1	we	we	PRON
fsr-3465	544	2	should	should	AUX
fsr-3465	544	3	note	note	VERB
fsr-3465	544	4	this	this	DET
fsr-3465	544	5	calibration	calibration	NOUN
fsr-3465	544	6	could	could	AUX
fsr-3465	544	7	come	come	VERB
fsr-3465	544	8	in	in	ADP
fsr-3465	544	9	multiple	multiple	ADJ
fsr-3465	544	10	forms	form	NOUN
fsr-3465	544	11	.	.	PUNCT
fsr-3465	545	1	for	for	ADP
fsr-3465	545	2	example	example	NOUN
fsr-3465	545	3	,	,	PUNCT
fsr-3465	545	4	we	we	PRON
fsr-3465	545	5	may	may	AUX
fsr-3465	545	6	have	have	VERB
fsr-3465	545	7	students	student	NOUN
fsr-3465	545	8	who	who	PRON
fsr-3465	545	9	,	,	PUNCT
fsr-3465	545	10	before	before	ADP
fsr-3465	545	11	the	the	DET
fsr-3465	545	12	seminar	seminar	NOUN
fsr-3465	545	13	,	,	PUNCT
fsr-3465	545	14	have	have	VERB
fsr-3465	545	15	significant	significant	ADJ
fsr-3465	545	16	confidence	confidence	NOUN
fsr-3465	545	17	in	in	ADP
fsr-3465	545	18	their	their	PRON
fsr-3465	545	19	financial	financial	ADJ
fsr-3465	545	20	future	future	NOUN
fsr-3465	545	21	but	but	CCONJ
fsr-3465	545	22	do	do	AUX
fsr-3465	545	23	not	not	PART
fsr-3465	545	24	possess	possess	VERB
fsr-3465	545	25	significant	significant	ADJ
fsr-3465	545	26	financial	financial	ADJ
fsr-3465	545	27	knowledge	knowledge	NOUN
fsr-3465	545	28	,	,	PUNCT
fsr-3465	545	29	classic	classic	ADJ
fsr-3465	545	30	overconfidence	overconfidence	NOUN
fsr-3465	545	31	.	.	PUNCT
fsr-3465	546	1	in	in	ADP
fsr-3465	546	2	contrast	contrast	NOUN
fsr-3465	546	3	,	,	PUNCT
fsr-3465	546	4	students	student	NOUN
fsr-3465	546	5	that	that	PRON
fsr-3465	546	6	have	have	VERB
fsr-3465	546	7	high	high	ADJ
fsr-3465	546	8	levels	level	NOUN
fsr-3465	546	9	of	of	ADP
fsr-3465	546	10	financial	financial	ADJ
fsr-3465	546	11	knowledge	knowledge	NOUN
fsr-3465	546	12	may	may	AUX
fsr-3465	546	13	have	have	VERB
fsr-3465	546	14	low	low	ADJ
fsr-3465	546	15	levels	level	NOUN
fsr-3465	546	16	of	of	ADP
fsr-3465	546	17	confidence	confidence	NOUN
fsr-3465	546	18	,	,	PUNCT
fsr-3465	546	19	classic	classic	ADJ
fsr-3465	546	20	under	under	ADP
fsr-3465	546	21	confidence	confidence	NOUN
fsr-3465	546	22	.	.	PUNCT
fsr-3465	547	1	ideally	ideally	ADV
fsr-3465	547	2	,	,	PUNCT
fsr-3465	547	3	after	after	ADP
fsr-3465	547	4	participating	participate	VERB
fsr-3465	547	5	in	in	ADP
fsr-3465	547	6	the	the	DET
fsr-3465	547	7	pfp	pfp	PROPN
fsr-3465	547	8	,	,	PUNCT
fsr-3465	547	9	a	a	DET
fsr-3465	547	10	student	student	NOUN
fsr-3465	547	11	’s	’s	PART
fsr-3465	547	12	confidence	confidence	NOUN
fsr-3465	547	13	,	,	PUNCT
fsr-3465	547	14	while	while	SCONJ
fsr-3465	547	15	having	having	AUX
fsr-3465	547	16	improved	improve	VERB
fsr-3465	547	17	,	,	PUNCT
fsr-3465	547	18	will	will	AUX
fsr-3465	547	19	also	also	ADV
fsr-3465	547	20	be	be	AUX
fsr-3465	547	21	better	well	ADV
fsr-3465	547	22	calibrated	calibrate	VERB
fsr-3465	547	23	to	to	ADP
fsr-3465	547	24	their	their	PRON
fsr-3465	547	25	financial	financial	ADJ
fsr-3465	547	26	knowledge	knowledge	NOUN
fsr-3465	547	27	level	level	NOUN
fsr-3465	547	28	,	,	PUNCT
fsr-3465	547	29	which	which	PRON
fsr-3465	547	30	has	have	AUX
fsr-3465	547	31	also	also	ADV
fsr-3465	547	32	improved	improve	VERB
fsr-3465	547	33	.	.	PUNCT
fsr-3465	548	1	thus	thus	ADV
fsr-3465	548	2	,	,	PUNCT
fsr-3465	548	3	the	the	DET
fsr-3465	548	4	question	question	NOUN
fsr-3465	548	5	we	we	PRON
fsr-3465	548	6	examine	examine	VERB
fsr-3465	548	7	here	here	ADV
fsr-3465	548	8	is	be	AUX
fsr-3465	548	9	whether	whether	SCONJ
fsr-3465	548	10	seminar	seminar	NOUN
fsr-3465	548	11	participation	participation	NOUN
fsr-3465	548	12	leads	lead	VERB
fsr-3465	548	13	to	to	ADP
fsr-3465	548	14	a	a	DET
fsr-3465	548	15	better	well	ADJ
fsr-3465	548	16	calibration	calibration	NOUN
fsr-3465	548	17	between	between	ADP
fsr-3465	548	18	a	a	DET
fsr-3465	548	19	student	student	NOUN
fsr-3465	548	20	’s	’s	PART
fsr-3465	548	21	financial	financial	ADJ
fsr-3465	548	22	knowledge	knowledge	NOUN
fsr-3465	548	23	and	and	CCONJ
fsr-3465	548	24	confidence	confidence	NOUN
fsr-3465	548	25	.	.	PUNCT
fsr-3465	549	1	to	to	PART
fsr-3465	549	2	do	do	VERB
fsr-3465	549	3	so	so	ADV
fsr-3465	549	4	,	,	PUNCT
fsr-3465	549	5	we	we	PRON
fsr-3465	549	6	examine	examine	VERB
fsr-3465	549	7	the	the	DET
fsr-3465	549	8	residuals	residual	NOUN
fsr-3465	549	9	from	from	ADP
fsr-3465	549	10	eq	eq	NOUN
fsr-3465	549	11	.	.	PUNCT
fsr-3465	550	1	(	(	PUNCT
fsr-3465	550	2	2	2	NUM
fsr-3465	550	3	)	)	PUNCT
fsr-3465	550	4	for	for	ADP
fsr-3465	550	5	the	the	DET
fsr-3465	550	6	control	control	NOUN
fsr-3465	550	7	and	and	CCONJ
fsr-3465	550	8	treatment	treatment	NOUN
fsr-3465	550	9	groups	group	NOUN
fsr-3465	550	10	.	.	PUNCT
fsr-3465	551	1	if	if	SCONJ
fsr-3465	551	2	the	the	DET
fsr-3465	551	3	seminar	seminar	NOUN
fsr-3465	551	4	is	be	AUX
fsr-3465	551	5	useful	useful	ADJ
fsr-3465	551	6	in	in	ADP
fsr-3465	551	7	better	well	ADV
fsr-3465	551	8	aligning	align	VERB
fsr-3465	551	9	a	a	DET
fsr-3465	551	10	participant	participant	NOUN
fsr-3465	551	11	’s	’s	PART
fsr-3465	551	12	knowledge	knowledge	NOUN
fsr-3465	551	13	and	and	CCONJ
fsr-3465	551	14	confidence	confidence	NOUN
fsr-3465	551	15	,	,	PUNCT
fsr-3465	551	16	we	we	PRON
fsr-3465	551	17	expect	expect	VERB
fsr-3465	551	18	the	the	DET
fsr-3465	551	19	residuals	residual	NOUN
fsr-3465	551	20	for	for	SCONJ
fsr-3465	551	21	participants	participant	NOUN
fsr-3465	551	22	to	to	PART
fsr-3465	551	23	decline	decline	VERB
fsr-3465	551	24	from	from	ADP
fsr-3465	551	25	pre	pre	NOUN
fsr-3465	551	26	to	to	PART
fsr-3465	551	27	post	post	VERB
fsr-3465	551	28	and	and	CCONJ
fsr-3465	551	29	the	the	DET
fsr-3465	551	30	residuals	residual	NOUN
fsr-3465	551	31	for	for	ADP
fsr-3465	551	32	the	the	DET
fsr-3465	551	33	control	control	NOUN
fsr-3465	551	34	group	group	NOUN
fsr-3465	551	35	to	to	PART
fsr-3465	551	36	remain	remain	VERB
fsr-3465	551	37	unchanged	unchanged	ADJ
fsr-3465	551	38	.	.	PUNCT
fsr-3465	552	1	before	before	ADP
fsr-3465	552	2	examining	examine	VERB
fsr-3465	552	3	residuals	residual	NOUN
fsr-3465	552	4	from	from	ADP
fsr-3465	552	5	estimating	estimate	VERB
fsr-3465	552	6	eq	eq	ADP
fsr-3465	552	7	.	.	PUNCT
fsr-3465	553	1	(	(	PUNCT
fsr-3465	553	2	2	2	NUM
fsr-3465	553	3	)	)	PUNCT
fsr-3465	553	4	,	,	PUNCT
fsr-3465	553	5	we	we	PRON
fsr-3465	553	6	use	use	VERB
fsr-3465	553	7	the	the	DET
fsr-3465	553	8	ratio	ratio	NOUN
fsr-3465	553	9	of	of	ADP
fsr-3465	553	10	knowscore	knowscore	NOUN
fsr-3465	553	11	and	and	CCONJ
fsr-3465	553	12	confidence	confidence	NOUN
fsr-3465	553	13	to	to	PART
fsr-3465	553	14	gauge	gauge	VERB
fsr-3465	553	15	whether	whether	SCONJ
fsr-3465	553	16	there	there	PRON
fsr-3465	553	17	is	be	VERB
fsr-3465	553	18	a	a	DET
fsr-3465	553	19	relative	relative	ADJ
fsr-3465	553	20	change	change	NOUN
fsr-3465	553	21	in	in	ADP
fsr-3465	553	22	values	value	NOUN
fsr-3465	553	23	of	of	ADP
fsr-3465	553	24	knowscore	knowscore	NOUN
fsr-3465	553	25	and	and	CCONJ
fsr-3465	553	26	confidence	confidence	NOUN
fsr-3465	553	27	from	from	ADP
fsr-3465	553	28	preto	preto	VERB
fsr-3465	553	29	post	post	NOUN
fsr-3465	553	30	-	-	NOUN
fsr-3465	553	31	seminar	seminar	NOUN
fsr-3465	553	32	.	.	PUNCT
fsr-3465	554	1	the	the	DET
fsr-3465	554	2	results	result	NOUN
fsr-3465	554	3	are	be	AUX
fsr-3465	554	4	presented	present	VERB
fsr-3465	554	5	in	in	ADP
fsr-3465	554	6	panel	panel	NOUN
fsr-3465	554	7	a	a	PRON
fsr-3465	554	8	of	of	ADP
fsr-3465	554	9	table	table	NOUN
fsr-3465	554	10	7	7	NUM
fsr-3465	554	11	.	.	PUNCT
fsr-3465	555	1	for	for	ADP
fsr-3465	555	2	the	the	DET
fsr-3465	555	3	control	control	NOUN
fsr-3465	555	4	group	group	NOUN
fsr-3465	555	5	,	,	PUNCT
fsr-3465	555	6	the	the	DET
fsr-3465	555	7	ratio	ratio	NOUN
fsr-3465	555	8	of	of	ADP
fsr-3465	555	9	knowscore	knowscore	NOUN
fsr-3465	555	10	to	to	ADP
fsr-3465	555	11	confidence	confidence	NOUN
fsr-3465	555	12	before	before	ADP
fsr-3465	555	13	the	the	DET
fsr-3465	555	14	seminar	seminar	NOUN
fsr-3465	555	15	is	be	AUX
fsr-3465	555	16	5.657	5.657	NUM
fsr-3465	555	17	and	and	CCONJ
fsr-3465	555	18	remains	remain	VERB
fsr-3465	555	19	statistically	statistically	ADV
fsr-3465	555	20	similar	similar	ADJ
fsr-3465	555	21	at	at	ADP
fsr-3465	555	22	5.313	5.313	NUM
fsr-3465	555	23	after	after	ADP
fsr-3465	555	24	the	the	DET
fsr-3465	555	25	seminar	seminar	NOUN
fsr-3465	555	26	.	.	PUNCT
fsr-3465	556	1	therefore	therefore	ADV
fsr-3465	556	2	,	,	PUNCT
fsr-3465	556	3	any	any	DET
fsr-3465	556	4	changes	change	NOUN
fsr-3465	556	5	in	in	ADP
fsr-3465	556	6	confidence	confidence	NOUN
fsr-3465	556	7	were	be	AUX
fsr-3465	556	8	roughly	roughly	ADV
fsr-3465	556	9	offset	offset	VERB
fsr-3465	556	10	by	by	ADP
fsr-3465	556	11	changes	change	NOUN
fsr-3465	556	12	in	in	ADP
fsr-3465	556	13	knowledge	knowledge	NOUN
fsr-3465	556	14	scores	score	NOUN
fsr-3465	556	15	in	in	ADP
fsr-3465	556	16	a	a	DET
fsr-3465	556	17	relative	relative	ADJ
fsr-3465	556	18	sense	sense	NOUN
fsr-3465	556	19	.	.	PUNCT
fsr-3465	557	1	in	in	ADP
fsr-3465	557	2	contrast	contrast	NOUN
fsr-3465	557	3	,	,	PUNCT
fsr-3465	557	4	for	for	ADP
fsr-3465	557	5	the	the	DET
fsr-3465	557	6	treatment	treatment	NOUN
fsr-3465	557	7	group	group	NOUN
fsr-3465	557	8	of	of	ADP
fsr-3465	557	9	seminar	seminar	NOUN
fsr-3465	557	10	participants	participant	NOUN
fsr-3465	557	11	,	,	PUNCT
fsr-3465	557	12	the	the	DET
fsr-3465	557	13	ratio	ratio	NOUN
fsr-3465	557	14	drops	drop	VERB
fsr-3465	557	15	from	from	ADP
fsr-3465	557	16	6.987	6.987	NUM
fsr-3465	557	17	to	to	ADP
fsr-3465	557	18	4.715	4.715	NUM
fsr-3465	557	19	,	,	PUNCT
fsr-3465	557	20	statistically	statistically	ADV
fsr-3465	557	21	significant	significant	ADJ
fsr-3465	557	22	at	at	ADP
fsr-3465	557	23	better	well	ADJ
fsr-3465	557	24	than	than	ADP
fsr-3465	557	25	one	one	NUM
fsr-3465	557	26	percent	percent	NOUN
fsr-3465	557	27	.	.	PUNCT
fsr-3465	558	1	from	from	ADP
fsr-3465	558	2	table	table	NOUN
fsr-3465	558	3	2	2	NUM
fsr-3465	558	4	,	,	PUNCT
fsr-3465	558	5	we	we	PRON
fsr-3465	558	6	know	know	VERB
fsr-3465	558	7	that	that	SCONJ
fsr-3465	558	8	both	both	PRON
fsr-3465	558	9	knowscore	knowscore	NOUN
fsr-3465	558	10	and	and	CCONJ
fsr-3465	558	11	336	336	NUM
fsr-3465	558	12	j.	j.	NOUN
fsr-3465	558	13	handy	handy	PROPN
fsr-3465	558	14	et	et	PROPN
fsr-3465	558	15	al	al	PROPN
fsr-3465	558	16	.	.	PUNCT
fsr-3465	558	17	/	/	SYM
fsr-3465	558	18	financial	financial	ADJ
fsr-3465	558	19	services	service	NOUN
fsr-3465	558	20	review	review	VERB
fsr-3465	558	21	29	29	NUM
fsr-3465	558	22	(	(	PUNCT
fsr-3465	558	23	2021	2021	NUM
fsr-3465	558	24	)	)	PUNCT
fsr-3465	559	1	315–341	315–341	NUM
fsr-3465	559	2	confidence	confidence	NOUN
fsr-3465	559	3	increase	increase	NOUN
fsr-3465	559	4	for	for	ADP
fsr-3465	559	5	the	the	DET
fsr-3465	559	6	treatment	treatment	NOUN
fsr-3465	559	7	group	group	NOUN
fsr-3465	559	8	.	.	PUNCT
fsr-3465	560	1	the	the	DET
fsr-3465	560	2	result	result	NOUN
fsr-3465	560	3	in	in	ADP
fsr-3465	560	4	panel	panel	NOUN
fsr-3465	560	5	a	a	PRON
fsr-3465	560	6	of	of	ADP
fsr-3465	560	7	table	table	NOUN
fsr-3465	560	8	7	7	NUM
fsr-3465	560	9	indicates	indicate	VERB
fsr-3465	560	10	that	that	SCONJ
fsr-3465	560	11	seminar	seminar	NOUN
fsr-3465	560	12	participant	participant	NOUN
fsr-3465	560	13	confidence	confidence	NOUN
fsr-3465	560	14	changes	change	VERB
fsr-3465	560	15	much	much	ADV
fsr-3465	560	16	more	more	ADJ
fsr-3465	560	17	than	than	ADP
fsr-3465	560	18	knowledge	knowledge	NOUN
fsr-3465	560	19	in	in	ADP
fsr-3465	560	20	relative	relative	ADJ
fsr-3465	560	21	terms	term	NOUN
fsr-3465	560	22	.	.	PUNCT
fsr-3465	561	1	while	while	SCONJ
fsr-3465	561	2	improved	improved	ADJ
fsr-3465	561	3	confidence	confidence	NOUN
fsr-3465	561	4	is	be	AUX
fsr-3465	561	5	a	a	DET
fsr-3465	561	6	desired	desire	VERB
fsr-3465	561	7	outcome	outcome	NOUN
fsr-3465	561	8	,	,	PUNCT
fsr-3465	561	9	it	it	PRON
fsr-3465	561	10	is	be	AUX
fsr-3465	561	11	not	not	PART
fsr-3465	561	12	if	if	SCONJ
fsr-3465	561	13	it	it	PRON
fsr-3465	561	14	does	do	AUX
fsr-3465	561	15	not	not	PART
fsr-3465	561	16	coincide	coincide	VERB
fsr-3465	561	17	with	with	ADP
fsr-3465	561	18	a	a	DET
fsr-3465	561	19	similar	similar	ADJ
fsr-3465	561	20	increase	increase	NOUN
fsr-3465	561	21	in	in	ADP
fsr-3465	561	22	knowledge	knowledge	NOUN
fsr-3465	561	23	level	level	NOUN
fsr-3465	561	24	.	.	PUNCT
fsr-3465	562	1	seeing	see	VERB
fsr-3465	562	2	oneself	oneself	PRON
fsr-3465	562	3	as	as	ADP
fsr-3465	562	4	able	able	ADJ
fsr-3465	562	5	to	to	PART
fsr-3465	562	6	manage	manage	VERB
fsr-3465	562	7	finances	finance	NOUN
fsr-3465	562	8	in	in	ADP
fsr-3465	562	9	the	the	DET
fsr-3465	562	10	future	future	NOUN
fsr-3465	562	11	would	would	AUX
fsr-3465	562	12	seem	seem	VERB
fsr-3465	562	13	to	to	PART
fsr-3465	562	14	suggest	suggest	VERB
fsr-3465	562	15	a	a	DET
fsr-3465	562	16	willingness	willingness	NOUN
fsr-3465	562	17	and	and	CCONJ
fsr-3465	562	18	confidence	confidence	NOUN
fsr-3465	562	19	to	to	PART
fsr-3465	562	20	apply	apply	VERB
fsr-3465	562	21	one	one	NUM
fsr-3465	562	22	’s	’s	PART
fsr-3465	562	23	financial	financial	ADJ
fsr-3465	562	24	knowledge	knowledge	NOUN
fsr-3465	562	25	.	.	PUNCT
fsr-3465	563	1	in	in	ADP
fsr-3465	563	2	panel	panel	PROPN
fsr-3465	563	3	b	b	PROPN
fsr-3465	563	4	of	of	ADP
fsr-3465	563	5	table	table	NOUN
fsr-3465	563	6	7	7	NUM
fsr-3465	563	7	,	,	PUNCT
fsr-3465	563	8	we	we	PRON
fsr-3465	563	9	examine	examine	VERB
fsr-3465	563	10	the	the	DET
fsr-3465	563	11	residuals	residual	NOUN
fsr-3465	563	12	of	of	ADP
fsr-3465	563	13	estimating	estimate	VERB
fsr-3465	563	14	eq	eq	ADP
fsr-3465	563	15	.	.	PUNCT
fsr-3465	564	1	(	(	PUNCT
fsr-3465	564	2	2	2	NUM
fsr-3465	564	3	)	)	PUNCT
fsr-3465	564	4	for	for	ADP
fsr-3465	564	5	the	the	DET
fsr-3465	564	6	control	control	NOUN
fsr-3465	564	7	and	and	CCONJ
fsr-3465	564	8	treatment	treatment	NOUN
fsr-3465	564	9	groups	group	NOUN
fsr-3465	564	10	preand	preand	VERB
fsr-3465	564	11	post	post	ADJ
fsr-3465	564	12	-	-	NOUN
fsr-3465	564	13	seminar	seminar	NOUN
fsr-3465	564	14	.	.	PUNCT
fsr-3465	565	1	if	if	SCONJ
fsr-3465	565	2	the	the	DET
fsr-3465	565	3	seminar	seminar	NOUN
fsr-3465	565	4	simply	simply	ADV
fsr-3465	565	5	leads	lead	VERB
fsr-3465	565	6	to	to	ADP
fsr-3465	565	7	overconfidence	overconfidence	NOUN
fsr-3465	565	8	,	,	PUNCT
fsr-3465	565	9	we	we	PRON
fsr-3465	565	10	would	would	AUX
fsr-3465	565	11	expect	expect	VERB
fsr-3465	565	12	the	the	DET
fsr-3465	565	13	residuals	residual	NOUN
fsr-3465	565	14	for	for	ADP
fsr-3465	565	15	the	the	DET
fsr-3465	565	16	treatment	treatment	NOUN
fsr-3465	565	17	group	group	NOUN
fsr-3465	565	18	to	to	PART
fsr-3465	565	19	be	be	AUX
fsr-3465	565	20	higher	high	ADJ
fsr-3465	565	21	in	in	ADP
fsr-3465	565	22	the	the	DET
fsr-3465	565	23	post	post	ADJ
fsr-3465	565	24	-	-	ADJ
fsr-3465	565	25	seminar	seminar	ADJ
fsr-3465	565	26	survey	survey	NOUN
fsr-3465	565	27	than	than	ADP
fsr-3465	565	28	in	in	ADP
fsr-3465	565	29	the	the	DET
fsr-3465	565	30	pre	pre	ADJ
fsr-3465	565	31	-	-	ADJ
fsr-3465	565	32	seminar	seminar	ADJ
fsr-3465	565	33	survey	survey	NOUN
fsr-3465	565	34	.	.	PUNCT
fsr-3465	566	1	first	first	ADV
fsr-3465	566	2	,	,	PUNCT
fsr-3465	566	3	students	student	NOUN
fsr-3465	566	4	exhibit	exhibit	VERB
fsr-3465	566	5	overconfidence	overconfidence	NOUN
fsr-3465	566	6	relative	relative	ADJ
fsr-3465	566	7	to	to	ADP
fsr-3465	566	8	their	their	PRON
fsr-3465	566	9	financial	financial	ADJ
fsr-3465	566	10	knowledge	knowledge	NOUN
fsr-3465	566	11	.	.	PUNCT
fsr-3465	567	1	in	in	ADP
fsr-3465	567	2	all	all	DET
fsr-3465	567	3	four	four	NUM
fsr-3465	567	4	cells	cell	NOUN
fsr-3465	567	5	of	of	ADP
fsr-3465	567	6	panel	panel	NOUN
fsr-3465	567	7	b	b	PROPN
fsr-3465	567	8	,	,	PUNCT
fsr-3465	567	9	the	the	DET
fsr-3465	567	10	residuals	residual	NOUN
fsr-3465	567	11	are	be	AUX
fsr-3465	567	12	greater	great	ADJ
fsr-3465	567	13	than	than	ADP
fsr-3465	567	14	zero	zero	NUM
fsr-3465	567	15	.	.	PUNCT
fsr-3465	568	1	however	however	ADV
fsr-3465	568	2	,	,	PUNCT
fsr-3465	568	3	in	in	ADP
fsr-3465	568	4	the	the	DET
fsr-3465	568	5	treatment	treatment	NOUN
fsr-3465	568	6	group	group	NOUN
fsr-3465	568	7	row	row	NOUN
fsr-3465	568	8	,	,	PUNCT
fsr-3465	568	9	residuals	residual	NOUN
fsr-3465	568	10	are	be	AUX
fsr-3465	568	11	statistically	statistically	ADV
fsr-3465	568	12	lower	low	ADJ
fsr-3465	568	13	for	for	ADP
fsr-3465	568	14	the	the	DET
fsr-3465	568	15	seminar	seminar	NOUN
fsr-3465	568	16	participants	participant	NOUN
fsr-3465	568	17	(	(	PUNCT
fsr-3465	568	18	treatment	treatment	NOUN
fsr-3465	568	19	group	group	NOUN
fsr-3465	568	20	)	)	PUNCT
fsr-3465	568	21	but	but	CCONJ
fsr-3465	568	22	not	not	PART
fsr-3465	568	23	the	the	DET
fsr-3465	568	24	control	control	NOUN
fsr-3465	568	25	group	group	NOUN
fsr-3465	568	26	.	.	PUNCT
fsr-3465	569	1	this	this	DET
fsr-3465	569	2	finding	finding	NOUN
fsr-3465	569	3	suggests	suggest	VERB
fsr-3465	569	4	that	that	SCONJ
fsr-3465	569	5	while	while	SCONJ
fsr-3465	569	6	pfp	pfp	PROPN
fsr-3465	569	7	participants	participant	NOUN
fsr-3465	569	8	exhibit	exhibit	VERB
fsr-3465	569	9	overconfidence	overconfidence	NOUN
fsr-3465	569	10	,	,	PUNCT
fsr-3465	569	11	even	even	ADV
fsr-3465	569	12	after	after	ADP
fsr-3465	569	13	the	the	DET
fsr-3465	569	14	seminar	seminar	NOUN
fsr-3465	569	15	,	,	PUNCT
fsr-3465	569	16	there	there	PRON
fsr-3465	569	17	is	be	VERB
fsr-3465	569	18	better	well	ADJ
fsr-3465	569	19	alignment	alignment	NOUN
fsr-3465	569	20	between	between	ADP
fsr-3465	569	21	their	their	PRON
fsr-3465	569	22	financial	financial	ADJ
fsr-3465	569	23	knowledge	knowledge	NOUN
fsr-3465	569	24	and	and	CCONJ
fsr-3465	569	25	confidence	confidence	NOUN
fsr-3465	569	26	in	in	ADP
fsr-3465	569	27	their	their	PRON
fsr-3465	569	28	financial	financial	ADJ
fsr-3465	569	29	future	future	NOUN
fsr-3465	569	30	after	after	ADP
fsr-3465	569	31	attending	attend	VERB
fsr-3465	569	32	the	the	DET
fsr-3465	569	33	seminar	seminar	NOUN
fsr-3465	569	34	,	,	PUNCT
fsr-3465	569	35	a	a	DET
fsr-3465	569	36	finding	finding	NOUN
fsr-3465	569	37	not	not	PART
fsr-3465	569	38	reflected	reflect	VERB
fsr-3465	569	39	in	in	ADP
fsr-3465	569	40	our	our	PRON
fsr-3465	569	41	control	control	NOUN
fsr-3465	569	42	sample	sample	NOUN
fsr-3465	569	43	.	.	PUNCT
fsr-3465	570	1	7	7	X
fsr-3465	570	2	.	.	X
fsr-3465	570	3	section	section	NOUN
fsr-3465	570	4	6	6	NUM
fsr-3465	570	5	:	:	PUNCT
fsr-3465	570	6	concluding	conclude	VERB
fsr-3465	570	7	remarks	remark	NOUN
fsr-3465	570	8	this	this	DET
fsr-3465	570	9	paper	paper	NOUN
fsr-3465	570	10	summarizes	summarize	VERB
fsr-3465	570	11	the	the	DET
fsr-3465	570	12	pfp	pfp	PROPN
fsr-3465	570	13	,	,	PUNCT
fsr-3465	570	14	a	a	DET
fsr-3465	570	15	six	six	NUM
fsr-3465	570	16	-	-	PUNCT
fsr-3465	570	17	week	week	NOUN
fsr-3465	570	18	financial	financial	ADJ
fsr-3465	570	19	literacy	literacy	NOUN
fsr-3465	570	20	improvement	improvement	NOUN
fsr-3465	570	21	program	program	NOUN
fsr-3465	570	22	for	for	ADP
fsr-3465	570	23	senior	senior	ADJ
fsr-3465	570	24	college	college	NOUN
fsr-3465	570	25	students	student	NOUN
fsr-3465	570	26	at	at	ADP
fsr-3465	570	27	a	a	DET
fsr-3465	570	28	private	private	ADJ
fsr-3465	570	29	liberal	liberal	ADJ
fsr-3465	570	30	arts	art	NOUN
fsr-3465	570	31	college	college	NOUN
fsr-3465	570	32	,	,	PUNCT
fsr-3465	570	33	that	that	PRON
fsr-3465	570	34	focuses	focus	VERB
fsr-3465	570	35	on	on	ADP
fsr-3465	570	36	major	major	ADJ
fsr-3465	570	37	areas	area	NOUN
fsr-3465	570	38	of	of	ADP
fsr-3465	570	39	table	table	NOUN
fsr-3465	570	40	7	7	NUM
fsr-3465	570	41	reconciliation	reconciliation	NOUN
fsr-3465	570	42	of	of	ADP
fsr-3465	570	43	financial	financial	ADJ
fsr-3465	570	44	knowledge	knowledge	NOUN
fsr-3465	570	45	and	and	CCONJ
fsr-3465	570	46	confidence	confidence	NOUN
fsr-3465	570	47	panel	panel	NOUN
fsr-3465	570	48	a	a	X
fsr-3465	570	49	:	:	PUNCT
fsr-3465	570	50	variables	variable	NOUN
fsr-3465	570	51	pre	pre	ADJ
fsr-3465	570	52	-	-	NOUN
fsr-3465	570	53	seminar	seminar	ADJ
fsr-3465	570	54	ratio	ratio	NOUN
fsr-3465	570	55	post	post	ADJ
fsr-3465	570	56	-	-	ADJ
fsr-3465	570	57	seminar	seminar	ADJ
fsr-3465	570	58	ratio	ratio	NOUN
fsr-3465	570	59	difference	difference	NOUN
fsr-3465	570	60	control	control	NOUN
fsr-3465	570	61	group	group	NOUN
fsr-3465	570	62	5.657	5.657	NUM
fsr-3465	570	63	5.313	5.313	NUM
fsr-3465	570	64	�	�	NOUN
fsr-3465	570	65	0.344	0.344	NUM
fsr-3465	570	66	treatment	treatment	NOUN
fsr-3465	570	67	group	group	NOUN
fsr-3465	570	68	6.987	6.987	NUM
fsr-3465	570	69	4.715	4.715	NUM
fsr-3465	570	70	�	�	NOUN
fsr-3465	570	71	2.272	2.272	NUM
fsr-3465	570	72	*	*	PUNCT
fsr-3465	570	73	*	*	PUNCT
fsr-3465	571	1	*	*	PUNCT
fsr-3465	572	1	*	*	PUNCT
fsr-3465	572	2	*	*	PUNCT
fsr-3465	572	3	*	*	PUNCT
fsr-3465	572	4	p	p	X
fsr-3465	572	5	<	<	X
fsr-3465	572	6	0.01	0.01	NUM
fsr-3465	572	7	,	,	PUNCT
fsr-3465	572	8	*	*	PUNCT
fsr-3465	572	9	*	*	PUNCT
fsr-3465	572	10	p	p	X
fsr-3465	572	11	<	<	X
fsr-3465	572	12	0.05	0.05	NUM
fsr-3465	572	13	.	.	PUNCT
fsr-3465	573	1	panel	panel	NOUN
fsr-3465	573	2	b	b	X
fsr-3465	573	3	:	:	PUNCT
fsr-3465	573	4	variables	variable	NOUN
fsr-3465	573	5	pre	pre	ADJ
fsr-3465	573	6	-	-	ADJ
fsr-3465	573	7	seminar	seminar	ADJ
fsr-3465	573	8	residual	residual	ADJ
fsr-3465	573	9	post	post	ADJ
fsr-3465	573	10	-	-	ADJ
fsr-3465	573	11	seminar	seminar	ADJ
fsr-3465	573	12	residual	residual	ADJ
fsr-3465	573	13	difference	difference	NOUN
fsr-3465	573	14	control	control	NOUN
fsr-3465	573	15	group	group	NOUN
fsr-3465	573	16	0.735	0.735	NUM
fsr-3465	573	17	0.717	0.717	NUM
fsr-3465	573	18	�	�	NOUN
fsr-3465	573	19	0.018	0.018	NUM
fsr-3465	573	20	treatment	treatment	NOUN
fsr-3465	573	21	group	group	NOUN
fsr-3465	573	22	0.677	0.677	NUM
fsr-3465	573	23	0.528	0.528	NUM
fsr-3465	573	24	�	�	NOUN
fsr-3465	573	25	0.149	0.149	NUM
fsr-3465	573	26	*	*	PUNCT
fsr-3465	573	27	*	*	PUNCT
fsr-3465	573	28	*	*	PUNCT
fsr-3465	573	29	this	this	DET
fsr-3465	573	30	table	table	NOUN
fsr-3465	573	31	presents	present	VERB
fsr-3465	573	32	results	result	NOUN
fsr-3465	573	33	examining	examine	VERB
fsr-3465	573	34	the	the	DET
fsr-3465	573	35	relationship	relationship	NOUN
fsr-3465	573	36	between	between	ADP
fsr-3465	573	37	students	student	NOUN
fsr-3465	573	38	’	’	PART
fsr-3465	573	39	knowledge	knowledge	NOUN
fsr-3465	573	40	scores	score	NOUN
fsr-3465	573	41	as	as	ADP
fsr-3465	573	42	predictors	predictor	NOUN
fsr-3465	573	43	of	of	ADP
fsr-3465	573	44	their	their	PRON
fsr-3465	573	45	confidence	confidence	NOUN
fsr-3465	573	46	in	in	ADP
fsr-3465	573	47	their	their	PRON
fsr-3465	573	48	financial	financial	ADJ
fsr-3465	573	49	future	future	NOUN
fsr-3465	573	50	.	.	PUNCT
fsr-3465	574	1	in	in	ADP
fsr-3465	574	2	panel	panel	NOUN
fsr-3465	574	3	a	a	X
fsr-3465	574	4	,	,	PUNCT
fsr-3465	574	5	we	we	PRON
fsr-3465	574	6	examine	examine	VERB
fsr-3465	574	7	the	the	DET
fsr-3465	574	8	ratio	ratio	NOUN
fsr-3465	574	9	knowscore	knowscore	PROPN
fsr-3465	574	10	/	/	SYM
fsr-3465	574	11	confidence	confidence	NOUN
fsr-3465	574	12	to	to	PART
fsr-3465	574	13	provide	provide	VERB
fsr-3465	574	14	intuitive	intuitive	ADJ
fsr-3465	574	15	motivation	motivation	NOUN
fsr-3465	574	16	for	for	ADP
fsr-3465	574	17	this	this	DET
fsr-3465	574	18	discussion	discussion	NOUN
fsr-3465	574	19	.	.	PUNCT
fsr-3465	575	1	in	in	ADP
fsr-3465	575	2	panel	panel	NOUN
fsr-3465	575	3	b	b	NOUN
fsr-3465	575	4	,	,	PUNCT
fsr-3465	575	5	we	we	PRON
fsr-3465	575	6	assume	assume	VERB
fsr-3465	575	7	that	that	SCONJ
fsr-3465	575	8	confidence	confidence	NOUN
fsr-3465	575	9	can	can	AUX
fsr-3465	575	10	be	be	AUX
fsr-3465	575	11	completely	completely	ADV
fsr-3465	575	12	predicted	predict	VERB
fsr-3465	575	13	by	by	ADP
fsr-3465	575	14	a	a	DET
fsr-3465	575	15	student	student	NOUN
fsr-3465	575	16	’s	’s	PART
fsr-3465	575	17	knowscore	knowscore	NOUN
fsr-3465	575	18	.	.	PUNCT
fsr-3465	576	1	as	as	ADP
fsr-3465	576	2	such	such	ADJ
fsr-3465	576	3	,	,	PUNCT
fsr-3465	576	4	we	we	PRON
fsr-3465	576	5	estimate	estimate	VERB
fsr-3465	576	6	the	the	DET
fsr-3465	576	7	single	single	ADJ
fsr-3465	576	8	factor	factor	NOUN
fsr-3465	576	9	model	model	NOUN
fsr-3465	576	10	identified	identify	VERB
fsr-3465	576	11	as	as	ADP
fsr-3465	576	12	eq	eq	ADP
fsr-3465	576	13	.	.	PUNCT
fsr-3465	577	1	(	(	PUNCT
fsr-3465	577	2	2	2	NUM
fsr-3465	577	3	)	)	PUNCT
fsr-3465	577	4	in	in	ADP
fsr-3465	577	5	the	the	DET
fsr-3465	577	6	text	text	NOUN
fsr-3465	577	7	:	:	PUNCT
fsr-3465	577	8	confidence	confidence	NOUN
fsr-3465	577	9	=	=	PUNCT
fsr-3465	577	10	a	a	DET
fsr-3465	577	11	+	+	X
fsr-3465	577	12	bknowscore	bknowscore	ADV
fsr-3465	577	13	+	+	CCONJ
fsr-3465	577	14	«	«	PUNCT
fsr-3465	577	15	for	for	ADP
fsr-3465	577	16	both	both	CCONJ
fsr-3465	577	17	the	the	DET
fsr-3465	577	18	control	control	NOUN
fsr-3465	577	19	and	and	CCONJ
fsr-3465	577	20	treatment	treatment	NOUN
fsr-3465	577	21	groups	group	NOUN
fsr-3465	577	22	both	both	PRON
fsr-3465	577	23	preand	preand	VERB
fsr-3465	577	24	post	post	ADJ
fsr-3465	577	25	-	-	NOUN
fsr-3465	577	26	seminar	seminar	NOUN
fsr-3465	577	27	.	.	PUNCT
fsr-3465	578	1	we	we	PRON
fsr-3465	578	2	then	then	ADV
fsr-3465	578	3	use	use	VERB
fsr-3465	578	4	model	model	NOUN
fsr-3465	578	5	parameters	parameter	NOUN
fsr-3465	578	6	to	to	PART
fsr-3465	578	7	estimate	estimate	VERB
fsr-3465	578	8	a	a	DET
fsr-3465	578	9	predicted	predict	VERB
fsr-3465	578	10	confidence	confidence	NOUN
fsr-3465	578	11	score	score	NOUN
fsr-3465	578	12	,	,	PUNCT
fsr-3465	578	13	then	then	ADV
fsr-3465	578	14	take	take	VERB
fsr-3465	578	15	the	the	DET
fsr-3465	578	16	residual	residual	NOUN
fsr-3465	578	17	between	between	ADP
fsr-3465	578	18	the	the	DET
fsr-3465	578	19	predicted	predict	VERB
fsr-3465	578	20	and	and	CCONJ
fsr-3465	578	21	actual	actual	ADJ
fsr-3465	578	22	scores	score	NOUN
fsr-3465	578	23	.	.	PUNCT
fsr-3465	579	1	we	we	PRON
fsr-3465	579	2	then	then	ADV
fsr-3465	579	3	test	test	VERB
fsr-3465	579	4	the	the	DET
fsr-3465	579	5	differences	difference	NOUN
fsr-3465	579	6	in	in	ADP
fsr-3465	579	7	residuals	residual	NOUN
fsr-3465	579	8	for	for	ADP
fsr-3465	579	9	the	the	DET
fsr-3465	579	10	control	control	NOUN
fsr-3465	579	11	and	and	CCONJ
fsr-3465	579	12	treatment	treatment	NOUN
fsr-3465	579	13	groups	group	NOUN
fsr-3465	579	14	between	between	ADP
fsr-3465	579	15	the	the	DET
fsr-3465	579	16	preand	preand	NOUN
fsr-3465	579	17	post	post	ADJ
fsr-3465	579	18	-	-	ADJ
fsr-3465	579	19	seminar	seminar	ADJ
fsr-3465	579	20	periods	period	NOUN
fsr-3465	579	21	.	.	PUNCT
fsr-3465	580	1	*	*	PUNCT
fsr-3465	581	1	*	*	PUNCT
fsr-3465	581	2	*	*	PUNCT
fsr-3465	581	3	p	p	X
fsr-3465	581	4	<	<	X
fsr-3465	581	5	0.01	0.01	NUM
fsr-3465	581	6	,	,	PUNCT
fsr-3465	581	7	*	*	PUNCT
fsr-3465	581	8	*	*	PUNCT
fsr-3465	581	9	p	p	X
fsr-3465	581	10	<	<	X
fsr-3465	581	11	0.05	0.05	NUM
fsr-3465	581	12	.	.	PUNCT
fsr-3465	582	1	j.	j.	PROPN
fsr-3465	582	2	handy	handy	PROPN
fsr-3465	582	3	et	et	PROPN
fsr-3465	582	4	al	al	PROPN
fsr-3465	582	5	.	.	PUNCT
fsr-3465	582	6	/	/	SYM
fsr-3465	582	7	financial	financial	ADJ
fsr-3465	582	8	services	service	NOUN
fsr-3465	582	9	review	review	VERB
fsr-3465	582	10	29	29	NUM
fsr-3465	582	11	(	(	PUNCT
fsr-3465	582	12	2021	2021	NUM
fsr-3465	582	13	)	)	PUNCT
fsr-3465	583	1	315–341	315–341	NUM
fsr-3465	583	2	337	337	NUM
fsr-3465	583	3	personal	personal	ADJ
fsr-3465	583	4	finance	finance	NOUN
fsr-3465	583	5	.	.	PUNCT
fsr-3465	584	1	an	an	DET
fsr-3465	584	2	empirical	empirical	ADJ
fsr-3465	584	3	analysis	analysis	NOUN
fsr-3465	584	4	of	of	ADP
fsr-3465	584	5	the	the	DET
fsr-3465	584	6	program	program	NOUN
fsr-3465	584	7	shows	show	VERB
fsr-3465	584	8	that	that	SCONJ
fsr-3465	584	9	the	the	DET
fsr-3465	584	10	pfp	pfp	PROPN
fsr-3465	584	11	improves	improve	VERB
fsr-3465	584	12	financial	financial	ADJ
fsr-3465	584	13	knowledge	knowledge	NOUN
fsr-3465	584	14	,	,	PUNCT
fsr-3465	584	15	and	and	CCONJ
fsr-3465	584	16	has	have	VERB
fsr-3465	584	17	a	a	DET
fsr-3465	584	18	particularly	particularly	ADV
fsr-3465	584	19	positive	positive	ADJ
fsr-3465	584	20	impact	impact	NOUN
fsr-3465	584	21	on	on	ADP
fsr-3465	584	22	female	female	ADJ
fsr-3465	584	23	participants	participant	NOUN
fsr-3465	584	24	.	.	PUNCT
fsr-3465	585	1	the	the	DET
fsr-3465	585	2	results	result	NOUN
fsr-3465	585	3	for	for	ADP
fsr-3465	585	4	minority	minority	NOUN
fsr-3465	585	5	participants	participant	NOUN
fsr-3465	585	6	,	,	PUNCT
fsr-3465	585	7	while	while	SCONJ
fsr-3465	585	8	encouraging	encouraging	ADJ
fsr-3465	585	9	,	,	PUNCT
fsr-3465	585	10	are	be	AUX
fsr-3465	585	11	not	not	PART
fsr-3465	585	12	as	as	ADV
fsr-3465	585	13	robust	robust	ADJ
fsr-3465	585	14	as	as	ADP
fsr-3465	585	15	for	for	ADP
fsr-3465	585	16	women	woman	NOUN
fsr-3465	585	17	.	.	PUNCT
fsr-3465	586	1	both	both	DET
fsr-3465	586	2	groups	group	NOUN
fsr-3465	586	3	have	have	AUX
fsr-3465	586	4	been	be	AUX
fsr-3465	586	5	consistently	consistently	ADV
fsr-3465	586	6	shown	show	VERB
fsr-3465	586	7	to	to	PART
fsr-3465	586	8	possess	possess	VERB
fsr-3465	586	9	lower	low	ADJ
fsr-3465	586	10	financial	financial	ADJ
fsr-3465	586	11	knowledge	knowledge	NOUN
fsr-3465	586	12	scores	score	NOUN
fsr-3465	586	13	.	.	PUNCT
fsr-3465	587	1	additionally	additionally	ADV
fsr-3465	587	2	,	,	PUNCT
fsr-3465	587	3	participant	participant	ADJ
fsr-3465	587	4	confidence	confidence	NOUN
fsr-3465	587	5	regarding	regard	VERB
fsr-3465	587	6	their	their	PRON
fsr-3465	587	7	future	future	ADJ
fsr-3465	587	8	financial	financial	ADJ
fsr-3465	587	9	outlook	outlook	NOUN
fsr-3465	587	10	significantly	significantly	ADV
fsr-3465	587	11	improves	improve	VERB
fsr-3465	587	12	for	for	ADP
fsr-3465	587	13	all	all	DET
fsr-3465	587	14	participants	participant	NOUN
fsr-3465	587	15	:	:	PUNCT
fsr-3465	587	16	male	male	ADJ
fsr-3465	587	17	,	,	PUNCT
fsr-3465	587	18	female	female	NOUN
fsr-3465	587	19	,	,	PUNCT
fsr-3465	587	20	and	and	CCONJ
fsr-3465	587	21	minority	minority	NOUN
fsr-3465	587	22	.	.	PUNCT
fsr-3465	588	1	finally	finally	ADV
fsr-3465	588	2	,	,	PUNCT
fsr-3465	588	3	we	we	PRON
fsr-3465	588	4	demonstrate	demonstrate	VERB
fsr-3465	588	5	that	that	SCONJ
fsr-3465	588	6	the	the	DET
fsr-3465	588	7	improvement	improvement	NOUN
fsr-3465	588	8	in	in	ADP
fsr-3465	588	9	confidence	confidence	NOUN
fsr-3465	588	10	is	be	AUX
fsr-3465	588	11	well	well	ADV
fsr-3465	588	12	placed	place	VERB
fsr-3465	588	13	in	in	ADP
fsr-3465	588	14	that	that	DET
fsr-3465	588	15	seminar	seminar	NOUN
fsr-3465	588	16	participants	participant	NOUN
fsr-3465	588	17	demonstrate	demonstrate	VERB
fsr-3465	588	18	an	an	DET
fsr-3465	588	19	improvement	improvement	NOUN
fsr-3465	588	20	in	in	ADP
fsr-3465	588	21	their	their	PRON
fsr-3465	588	22	ability	ability	NOUN
fsr-3465	588	23	to	to	PART
fsr-3465	588	24	calibrate	calibrate	VERB
fsr-3465	588	25	their	their	PRON
fsr-3465	588	26	improved	improved	ADJ
fsr-3465	588	27	confidence	confidence	NOUN
fsr-3465	588	28	to	to	ADP
fsr-3465	588	29	their	their	PRON
fsr-3465	588	30	improvement	improvement	NOUN
fsr-3465	588	31	in	in	ADP
fsr-3465	588	32	financial	financial	ADJ
fsr-3465	588	33	knowledge	knowledge	NOUN
fsr-3465	588	34	.	.	PUNCT
fsr-3465	589	1	this	this	DET
fsr-3465	589	2	study	study	NOUN
fsr-3465	589	3	extends	extend	VERB
fsr-3465	589	4	the	the	DET
fsr-3465	589	5	previous	previous	ADJ
fsr-3465	589	6	literature	literature	NOUN
fsr-3465	589	7	in	in	ADP
fsr-3465	589	8	that	that	SCONJ
fsr-3465	589	9	the	the	DET
fsr-3465	589	10	pfp	pfp	PROPN
fsr-3465	589	11	is	be	AUX
fsr-3465	589	12	six	six	NUM
fsr-3465	589	13	-	-	PUNCT
fsr-3465	589	14	weeks	week	NOUN
fsr-3465	589	15	long	long	ADV
fsr-3465	589	16	(	(	PUNCT
fsr-3465	589	17	that	that	PRON
fsr-3465	589	18	is	be	AUX
fsr-3465	589	19	longer	long	ADJ
fsr-3465	589	20	than	than	ADP
fsr-3465	589	21	many	many	ADJ
fsr-3465	589	22	other	other	ADJ
fsr-3465	589	23	interventions	intervention	NOUN
fsr-3465	589	24	)	)	PUNCT
fsr-3465	589	25	,	,	PUNCT
fsr-3465	589	26	and	and	CCONJ
fsr-3465	589	27	the	the	DET
fsr-3465	589	28	change	change	NOUN
fsr-3465	589	29	in	in	ADP
fsr-3465	589	30	knowledge	knowledge	NOUN
fsr-3465	589	31	and	and	CCONJ
fsr-3465	589	32	confidence	confidence	NOUN
fsr-3465	589	33	from	from	ADP
fsr-3465	589	34	before	before	ADP
fsr-3465	589	35	and	and	CCONJ
fsr-3465	589	36	after	after	SCONJ
fsr-3465	589	37	the	the	DET
fsr-3465	589	38	program	program	NOUN
fsr-3465	589	39	was	be	AUX
fsr-3465	589	40	compared	compare	VERB
fsr-3465	589	41	with	with	ADP
fsr-3465	589	42	a	a	DET
fsr-3465	589	43	control	control	NOUN
fsr-3465	589	44	group	group	NOUN
fsr-3465	589	45	.	.	PUNCT
fsr-3465	590	1	furthermore	furthermore	ADV
fsr-3465	590	2	,	,	PUNCT
fsr-3465	590	3	the	the	DET
fsr-3465	590	4	study	study	NOUN
fsr-3465	590	5	measures	measure	VERB
fsr-3465	590	6	several	several	ADJ
fsr-3465	590	7	individual	individual	ADJ
fsr-3465	590	8	difference	difference	NOUN
fsr-3465	590	9	factors	factor	NOUN
fsr-3465	590	10	,	,	PUNCT
fsr-3465	590	11	allowing	allow	VERB
fsr-3465	590	12	the	the	DET
fsr-3465	590	13	researchers	researcher	NOUN
fsr-3465	590	14	to	to	PART
fsr-3465	590	15	utilize	utilize	VERB
fsr-3465	590	16	multiple	multiple	ADJ
fsr-3465	590	17	regression	regression	NOUN
fsr-3465	590	18	analysis	analysis	NOUN
fsr-3465	590	19	techniques	technique	NOUN
fsr-3465	590	20	.	.	PUNCT
fsr-3465	591	1	the	the	DET
fsr-3465	591	2	study	study	NOUN
fsr-3465	591	3	is	be	AUX
fsr-3465	591	4	not	not	PART
fsr-3465	591	5	without	without	ADP
fsr-3465	591	6	its	its	PRON
fsr-3465	591	7	limitations	limitation	NOUN
fsr-3465	591	8	.	.	PUNCT
fsr-3465	592	1	first	first	ADV
fsr-3465	592	2	,	,	PUNCT
fsr-3465	592	3	we	we	PRON
fsr-3465	592	4	do	do	AUX
fsr-3465	592	5	not	not	PART
fsr-3465	592	6	measure	measure	VERB
fsr-3465	592	7	changes	change	NOUN
fsr-3465	592	8	in	in	ADP
fsr-3465	592	9	student	student	NOUN
fsr-3465	592	10	behavior	behavior	NOUN
fsr-3465	592	11	.	.	PUNCT
fsr-3465	593	1	our	our	PRON
fsr-3465	593	2	speculation	speculation	NOUN
fsr-3465	593	3	about	about	ADP
fsr-3465	593	4	the	the	DET
fsr-3465	593	5	connection	connection	NOUN
fsr-3465	593	6	between	between	ADP
fsr-3465	593	7	increases	increase	NOUN
fsr-3465	593	8	in	in	ADP
fsr-3465	593	9	knowledge	knowledge	NOUN
fsr-3465	593	10	and	and	CCONJ
fsr-3465	593	11	confidence	confidence	NOUN
fsr-3465	593	12	may	may	AUX
fsr-3465	593	13	lead	lead	VERB
fsr-3465	593	14	to	to	ADP
fsr-3465	593	15	increased	increase	VERB
fsr-3465	593	16	financial	financial	ADJ
fsr-3465	593	17	self	self	NOUN
fsr-3465	593	18	-	-	PUNCT
fsr-3465	593	19	efficacy	efficacy	NOUN
fsr-3465	593	20	can	can	AUX
fsr-3465	593	21	only	only	ADV
fsr-3465	593	22	be	be	AUX
fsr-3465	593	23	tested	test	VERB
fsr-3465	593	24	if	if	SCONJ
fsr-3465	593	25	we	we	PRON
fsr-3465	593	26	examine	examine	VERB
fsr-3465	593	27	how	how	SCONJ
fsr-3465	593	28	these	these	DET
fsr-3465	593	29	increases	increase	NOUN
fsr-3465	593	30	are	be	AUX
fsr-3465	593	31	reflected	reflect	VERB
fsr-3465	593	32	in	in	ADP
fsr-3465	593	33	behavior	behavior	NOUN
fsr-3465	593	34	.	.	PUNCT
fsr-3465	594	1	in	in	ADP
fsr-3465	594	2	other	other	ADJ
fsr-3465	594	3	words	word	NOUN
fsr-3465	594	4	,	,	PUNCT
fsr-3465	594	5	we	we	PRON
fsr-3465	594	6	can	can	AUX
fsr-3465	594	7	examine	examine	VERB
fsr-3465	594	8	if	if	SCONJ
fsr-3465	594	9	the	the	DET
fsr-3465	594	10	combination	combination	NOUN
fsr-3465	594	11	of	of	ADP
fsr-3465	594	12	more	more	ADJ
fsr-3465	594	13	knowledge	knowledge	NOUN
fsr-3465	594	14	and	and	CCONJ
fsr-3465	594	15	confidence	confidence	NOUN
fsr-3465	594	16	predicts	predict	NOUN
fsr-3465	594	17	acting	act	VERB
fsr-3465	594	18	on	on	ADP
fsr-3465	594	19	that	that	DET
fsr-3465	594	20	knowledge	knowledge	NOUN
fsr-3465	594	21	in	in	ADP
fsr-3465	594	22	financially	financially	ADV
fsr-3465	594	23	sound	sound	ADJ
fsr-3465	594	24	ways	way	NOUN
fsr-3465	594	25	.	.	PUNCT
fsr-3465	595	1	the	the	DET
fsr-3465	595	2	authors	author	NOUN
fsr-3465	595	3	are	be	AUX
fsr-3465	595	4	in	in	ADP
fsr-3465	595	5	the	the	DET
fsr-3465	595	6	process	process	NOUN
fsr-3465	595	7	of	of	ADP
fsr-3465	595	8	collecting	collect	VERB
fsr-3465	595	9	follow	follow	NOUN
fsr-3465	595	10	-	-	PUNCT
fsr-3465	595	11	up	up	ADP
fsr-3465	595	12	behavioral	behavioral	ADJ
fsr-3465	595	13	data	datum	NOUN
fsr-3465	595	14	on	on	ADP
fsr-3465	595	15	the	the	DET
fsr-3465	595	16	study	study	NOUN
fsr-3465	595	17	participants	participant	NOUN
fsr-3465	595	18	reviewed	review	VERB
fsr-3465	595	19	here	here	ADV
fsr-3465	595	20	.	.	PUNCT
fsr-3465	596	1	second	second	ADV
fsr-3465	596	2	,	,	PUNCT
fsr-3465	596	3	our	our	PRON
fsr-3465	596	4	research	research	NOUN
fsr-3465	596	5	is	be	AUX
fsr-3465	596	6	limited	limit	VERB
fsr-3465	596	7	by	by	ADP
fsr-3465	596	8	the	the	DET
fsr-3465	596	9	sample	sample	NOUN
fsr-3465	596	10	we	we	PRON
fsr-3465	596	11	use	use	VERB
fsr-3465	596	12	.	.	PUNCT
fsr-3465	597	1	due	due	ADP
fsr-3465	597	2	to	to	ADP
fsr-3465	597	3	the	the	DET
fsr-3465	597	4	nature	nature	NOUN
fsr-3465	597	5	of	of	ADP
fsr-3465	597	6	the	the	DET
fsr-3465	597	7	pfp	pfp	PROPN
fsr-3465	597	8	,	,	PUNCT
fsr-3465	597	9	participants	participant	NOUN
fsr-3465	597	10	have	have	AUX
fsr-3465	597	11	been	be	AUX
fsr-3465	597	12	limited	limit	VERB
fsr-3465	597	13	to	to	ADP
fsr-3465	597	14	only	only	ADV
fsr-3465	597	15	senior	senior	ADJ
fsr-3465	597	16	level	level	NOUN
fsr-3465	597	17	students	student	NOUN
fsr-3465	597	18	at	at	ADP
fsr-3465	597	19	a	a	DET
fsr-3465	597	20	private	private	ADJ
fsr-3465	597	21	liberal	liberal	ADJ
fsr-3465	597	22	arts	art	NOUN
fsr-3465	597	23	college	college	NOUN
fsr-3465	597	24	,	,	PUNCT
fsr-3465	597	25	that	that	ADV
fsr-3465	597	26	is	is	ADV
fsr-3465	597	27	,	,	PUNCT
fsr-3465	597	28	the	the	DET
fsr-3465	597	29	conclusions	conclusion	NOUN
fsr-3465	597	30	drawn	draw	VERB
fsr-3465	597	31	from	from	ADP
fsr-3465	597	32	this	this	DET
fsr-3465	597	33	study	study	NOUN
fsr-3465	597	34	are	be	AUX
fsr-3465	597	35	limited	limit	VERB
fsr-3465	597	36	to	to	ADP
fsr-3465	597	37	a	a	DET
fsr-3465	597	38	very	very	ADV
fsr-3465	597	39	specific	specific	ADJ
fsr-3465	597	40	portion	portion	NOUN
fsr-3465	597	41	of	of	ADP
fsr-3465	597	42	the	the	DET
fsr-3465	597	43	population	population	NOUN
fsr-3465	597	44	.	.	PUNCT
fsr-3465	598	1	however	however	ADV
fsr-3465	598	2	,	,	PUNCT
fsr-3465	598	3	the	the	DET
fsr-3465	598	4	authors	author	NOUN
fsr-3465	598	5	are	be	AUX
fsr-3465	598	6	currently	currently	ADV
fsr-3465	598	7	expanding	expand	VERB
fsr-3465	598	8	the	the	DET
fsr-3465	598	9	pfp	pfp	NOUN
fsr-3465	598	10	to	to	ADP
fsr-3465	598	11	other	other	ADJ
fsr-3465	598	12	universities	university	NOUN
fsr-3465	598	13	and	and	CCONJ
fsr-3465	598	14	are	be	AUX
fsr-3465	598	15	currently	currently	ADV
fsr-3465	598	16	summarizing	summarize	VERB
fsr-3465	598	17	results	result	NOUN
fsr-3465	598	18	obtained	obtain	VERB
fsr-3465	598	19	from	from	ADP
fsr-3465	598	20	a	a	DET
fsr-3465	598	21	faculty	faculty	NOUN
fsr-3465	598	22	or	or	CCONJ
fsr-3465	598	23	staff	staff	NOUN
fsr-3465	598	24	version	version	NOUN
fsr-3465	598	25	of	of	ADP
fsr-3465	598	26	the	the	DET
fsr-3465	598	27	pfp	pfp	PROPN
fsr-3465	598	28	.	.	PUNCT
fsr-3465	599	1	finally	finally	ADV
fsr-3465	599	2	,	,	PUNCT
fsr-3465	599	3	given	give	VERB
fsr-3465	599	4	the	the	DET
fsr-3465	599	5	demographics	demographic	NOUN
fsr-3465	599	6	of	of	ADP
fsr-3465	599	7	the	the	DET
fsr-3465	599	8	student	student	NOUN
fsr-3465	599	9	population	population	NOUN
fsr-3465	599	10	represented	represent	VERB
fsr-3465	599	11	,	,	PUNCT
fsr-3465	599	12	we	we	PRON
fsr-3465	599	13	are	be	AUX
fsr-3465	599	14	hesitant	hesitant	ADJ
fsr-3465	599	15	to	to	PART
fsr-3465	599	16	claim	claim	VERB
fsr-3465	599	17	all	all	DET
fsr-3465	599	18	college	college	NOUN
fsr-3465	599	19	seniors	senior	NOUN
fsr-3465	599	20	will	will	AUX
fsr-3465	599	21	respond	respond	VERB
fsr-3465	599	22	in	in	ADP
fsr-3465	599	23	similar	similar	ADJ
fsr-3465	599	24	ways	way	NOUN
fsr-3465	599	25	to	to	ADP
fsr-3465	599	26	the	the	DET
fsr-3465	599	27	program	program	NOUN
fsr-3465	599	28	.	.	PUNCT
fsr-3465	600	1	more	more	ADJ
fsr-3465	600	2	research	research	NOUN
fsr-3465	600	3	is	be	AUX
fsr-3465	600	4	needed	need	VERB
fsr-3465	600	5	to	to	PART
fsr-3465	600	6	validate	validate	VERB
fsr-3465	600	7	the	the	DET
fsr-3465	600	8	curriculum	curriculum	NOUN
fsr-3465	600	9	in	in	ADP
fsr-3465	600	10	a	a	DET
fsr-3465	600	11	more	more	ADV
fsr-3465	600	12	diverse	diverse	ADJ
fsr-3465	600	13	setting	setting	NOUN
fsr-3465	600	14	.	.	PUNCT
fsr-3465	601	1	ultimately	ultimately	ADV
fsr-3465	601	2	,	,	PUNCT
fsr-3465	601	3	this	this	DET
fsr-3465	601	4	paper	paper	NOUN
fsr-3465	601	5	expands	expand	VERB
fsr-3465	601	6	upon	upon	SCONJ
fsr-3465	601	7	financial	financial	ADJ
fsr-3465	601	8	literacy	literacy	NOUN
fsr-3465	601	9	research	research	NOUN
fsr-3465	601	10	and	and	CCONJ
fsr-3465	601	11	outlines	outline	VERB
fsr-3465	601	12	a	a	DET
fsr-3465	601	13	robust	robust	ADJ
fsr-3465	601	14	tool	tool	NOUN
fsr-3465	601	15	for	for	ADP
fsr-3465	601	16	addressing	address	VERB
fsr-3465	601	17	financial	financial	ADJ
fsr-3465	601	18	knowledge	knowledge	NOUN
fsr-3465	601	19	and	and	CCONJ
fsr-3465	601	20	confidence	confidence	NOUN
fsr-3465	601	21	.	.	PUNCT
fsr-3465	602	1	notes	note	VERB
fsr-3465	602	2	1	1	NUM
fsr-3465	602	3	one	one	PRON
fsr-3465	602	4	could	could	AUX
fsr-3465	602	5	suggest	suggest	VERB
fsr-3465	602	6	that	that	SCONJ
fsr-3465	602	7	the	the	DET
fsr-3465	602	8	use	use	NOUN
fsr-3465	602	9	of	of	ADP
fsr-3465	602	10	a	a	DET
fsr-3465	602	11	financial	financial	ADJ
fsr-3465	602	12	advisor	advisor	NOUN
fsr-3465	602	13	could	could	AUX
fsr-3465	602	14	mitigate	mitigate	VERB
fsr-3465	602	15	the	the	DET
fsr-3465	602	16	need	need	NOUN
fsr-3465	602	17	for	for	ADP
fsr-3465	602	18	improved	improve	VERB
fsr-3465	602	19	financial	financial	ADJ
fsr-3465	602	20	literacy	literacy	NOUN
fsr-3465	602	21	.	.	PUNCT
fsr-3465	603	1	however	however	ADV
fsr-3465	603	2	,	,	PUNCT
fsr-3465	603	3	handy	handy	ADJ
fsr-3465	603	4	and	and	CCONJ
fsr-3465	603	5	smythe	smythe	PROPN
fsr-3465	603	6	(	(	PUNCT
fsr-3465	603	7	2020	2020	NUM
fsr-3465	603	8	)	)	PUNCT
fsr-3465	603	9	and	and	CCONJ
fsr-3465	603	10	handy	handy	ADJ
fsr-3465	603	11	,	,	PUNCT
fsr-3465	603	12	smythe	smythe	NOUN
fsr-3465	603	13	,	,	PUNCT
fsr-3465	603	14	and	and	CCONJ
fsr-3465	603	15	ricketts	rickett	NOUN
fsr-3465	603	16	(	(	PUNCT
fsr-3465	603	17	2020	2020	NUM
fsr-3465	603	18	)	)	PUNCT
fsr-3465	603	19	document	document	NOUN
fsr-3465	603	20	that	that	PRON
fsr-3465	603	21	retail	retail	ADJ
fsr-3465	603	22	mutual	mutual	ADJ
fsr-3465	603	23	fund	fund	NOUN
fsr-3465	603	24	investors	investor	NOUN
fsr-3465	603	25	face	face	VERB
fsr-3465	603	26	the	the	DET
fsr-3465	603	27	potential	potential	NOUN
fsr-3465	603	28	of	of	ADP
fsr-3465	603	29	being	be	AUX
fsr-3465	603	30	misled	mislead	VERB
fsr-3465	603	31	into	into	ADP
fsr-3465	603	32	sub	sub	ADJ
fsr-3465	603	33	-	-	ADJ
fsr-3465	603	34	optimal	optimal	ADJ
fsr-3465	603	35	funds	fund	NOUN
fsr-3465	603	36	by	by	ADP
fsr-3465	603	37	well	well	ADV
fsr-3465	603	38	-	-	PUNCT
fsr-3465	603	39	intentioned	intentione	VERB
fsr-3465	603	40	advisors	advisor	NOUN
fsr-3465	603	41	.	.	PUNCT
fsr-3465	604	1	2	2	NUM
fsr-3465	604	2	the	the	DET
fsr-3465	604	3	program	program	NOUN
fsr-3465	604	4	was	be	AUX
fsr-3465	604	5	first	first	ADV
fsr-3465	604	6	developed	develop	VERB
fsr-3465	604	7	approximately	approximately	ADV
fsr-3465	604	8	10	10	NUM
fsr-3465	604	9	years	year	NOUN
fsr-3465	604	10	ago	ago	ADV
fsr-3465	604	11	but	but	CCONJ
fsr-3465	604	12	was	be	AUX
fsr-3465	604	13	not	not	PART
fsr-3465	604	14	the	the	DET
fsr-3465	604	15	focus	focus	NOUN
fsr-3465	604	16	of	of	ADP
fsr-3465	604	17	research	research	NOUN
fsr-3465	604	18	until	until	ADP
fsr-3465	604	19	2017	2017	NUM
fsr-3465	604	20	.	.	PUNCT
fsr-3465	605	1	no	no	DET
fsr-3465	605	2	program	program	NOUN
fsr-3465	605	3	was	be	AUX
fsr-3465	605	4	offered	offer	VERB
fsr-3465	605	5	in	in	ADP
fsr-3465	605	6	spring	spring	NOUN
fsr-3465	605	7	2020	2020	NUM
fsr-3465	605	8	or	or	CCONJ
fsr-3465	605	9	fall	fall	VERB
fsr-3465	605	10	2020	2020	NUM
fsr-3465	605	11	due	due	ADP
fsr-3465	605	12	to	to	ADP
fsr-3465	605	13	the	the	DET
fsr-3465	605	14	onset	onset	NOUN
fsr-3465	605	15	of	of	ADP
fsr-3465	605	16	the	the	DET
fsr-3465	605	17	pandemic	pandemic	NOUN
fsr-3465	605	18	.	.	PUNCT
fsr-3465	606	1	a	a	DET
fsr-3465	606	2	program	program	NOUN
fsr-3465	606	3	was	be	AUX
fsr-3465	606	4	provided	provide	VERB
fsr-3465	606	5	in	in	ADP
fsr-3465	606	6	spring	spring	NOUN
fsr-3465	606	7	2021	2021	NUM
fsr-3465	606	8	but	but	CCONJ
fsr-3465	606	9	with	with	ADP
fsr-3465	606	10	an	an	DET
fsr-3465	606	11	online	online	ADJ
fsr-3465	606	12	delivery	delivery	NOUN
fsr-3465	606	13	,	,	PUNCT
fsr-3465	606	14	which	which	PRON
fsr-3465	606	15	will	will	AUX
fsr-3465	606	16	allow	allow	VERB
fsr-3465	606	17	us	we	PRON
fsr-3465	606	18	to	to	PART
fsr-3465	606	19	examine	examine	VERB
fsr-3465	606	20	if	if	SCONJ
fsr-3465	606	21	delivery	delivery	NOUN
fsr-3465	606	22	method	method	NOUN
fsr-3465	606	23	impacts	impact	VERB
fsr-3465	606	24	our	our	PRON
fsr-3465	606	25	findings	finding	NOUN
fsr-3465	606	26	.	.	PUNCT
fsr-3465	607	1	the	the	DET
fsr-3465	607	2	program	program	NOUN
fsr-3465	607	3	is	be	AUX
fsr-3465	607	4	also	also	ADV
fsr-3465	607	5	being	be	AUX
fsr-3465	607	6	expanded	expand	VERB
fsr-3465	607	7	to	to	ADP
fsr-3465	607	8	a	a	DET
fsr-3465	607	9	new	new	ADJ
fsr-3465	607	10	student	student	NOUN
fsr-3465	607	11	population	population	NOUN
fsr-3465	607	12	,	,	PUNCT
fsr-3465	607	13	as	as	SCONJ
fsr-3465	607	14	one	one	NUM
fsr-3465	607	15	of	of	ADP
fsr-3465	607	16	the	the	DET
fsr-3465	607	17	authors	author	NOUN
fsr-3465	607	18	has	have	AUX
fsr-3465	607	19	changed	change	VERB
fsr-3465	607	20	institutions	institution	NOUN
fsr-3465	607	21	.	.	PUNCT
fsr-3465	608	1	338	338	NUM
fsr-3465	608	2	j.	j.	PROPN
fsr-3465	608	3	handy	handy	PROPN
fsr-3465	608	4	et	et	PROPN
fsr-3465	608	5	al	al	PROPN
fsr-3465	608	6	.	.	PUNCT
fsr-3465	608	7	/	/	SYM
fsr-3465	608	8	financial	financial	ADJ
fsr-3465	608	9	services	service	NOUN
fsr-3465	608	10	review	review	VERB
fsr-3465	608	11	29	29	NUM
fsr-3465	608	12	(	(	PUNCT
fsr-3465	608	13	2021	2021	NUM
fsr-3465	608	14	)	)	PUNCT
fsr-3465	609	1	315–341	315–341	NUM
fsr-3465	609	2	3	3	NUM
fsr-3465	609	3	this	this	PRON
fsr-3465	609	4	is	be	AUX
fsr-3465	609	5	taken	take	VERB
fsr-3465	609	6	from	from	ADP
fsr-3465	609	7	the	the	DET
fsr-3465	609	8	white	white	PROPN
fsr-3465	609	9	paper	paper	PROPN
fsr-3465	609	10	“	"	PUNCT
fsr-3465	609	11	closing	close	VERB
fsr-3465	609	12	the	the	DET
fsr-3465	609	13	gap	gap	NOUN
fsr-3465	609	14	between	between	ADP
fsr-3465	609	15	knowledge	knowledge	NOUN
fsr-3465	609	16	and	and	CCONJ
fsr-3465	609	17	behavior	behavior	NOUN
fsr-3465	609	18	:	:	PUNCT
fsr-3465	609	19	turning	turn	VERB
fsr-3465	609	20	education	education	NOUN
fsr-3465	609	21	into	into	ADP
fsr-3465	609	22	action	action	NOUN
fsr-3465	609	23	”	"	PUNCT
fsr-3465	609	24	resulting	result	VERB
fsr-3465	609	25	from	from	ADP
fsr-3465	609	26	the	the	DET
fsr-3465	609	27	symposium	symposium	NOUN
fsr-3465	609	28	sponsored	sponsor	VERB
fsr-3465	609	29	by	by	ADP
fsr-3465	609	30	the	the	DET
fsr-3465	609	31	national	national	PROPN
fsr-3465	609	32	endowment	endowment	NOUN
fsr-3465	609	33	for	for	ADP
fsr-3465	609	34	financial	financial	ADJ
fsr-3465	609	35	education	education	NOUN
fsr-3465	609	36	.	.	PUNCT
fsr-3465	610	1	4	4	NUM
fsr-3465	610	2	see	see	VERB
fsr-3465	610	3	knoll	knoll	NOUN
fsr-3465	610	4	and	and	CCONJ
fsr-3465	610	5	houts	hout	NOUN
fsr-3465	610	6	(	(	PUNCT
fsr-3465	610	7	2012	2012	NUM
fsr-3465	610	8	)	)	PUNCT
fsr-3465	610	9	for	for	ADP
fsr-3465	610	10	the	the	DET
fsr-3465	610	11	list	list	NOUN
fsr-3465	610	12	of	of	ADP
fsr-3465	610	13	questions	question	NOUN
fsr-3465	610	14	,	,	PUNCT
fsr-3465	610	15	or	or	CCONJ
fsr-3465	610	16	they	they	PRON
fsr-3465	610	17	can	can	AUX
fsr-3465	610	18	be	be	AUX
fsr-3465	610	19	provided	provide	VERB
fsr-3465	610	20	by	by	ADP
fsr-3465	610	21	the	the	DET
fsr-3465	610	22	authors	author	NOUN
fsr-3465	610	23	upon	upon	SCONJ
fsr-3465	610	24	request	request	NOUN
fsr-3465	610	25	.	.	PUNCT
fsr-3465	611	1	the	the	DET
fsr-3465	611	2	knoll	knoll	NOUN
fsr-3465	611	3	and	and	CCONJ
fsr-3465	611	4	houts	hout	NOUN
fsr-3465	611	5	questions	question	NOUN
fsr-3465	611	6	include	include	VERB
fsr-3465	611	7	the	the	DET
fsr-3465	611	8	core	core	NOUN
fsr-3465	611	9	three	three	NUM
fsr-3465	611	10	questions	question	NOUN
fsr-3465	611	11	introduced	introduce	VERB
fsr-3465	611	12	by	by	ADP
fsr-3465	611	13	lusardi	lusardi	PROPN
fsr-3465	611	14	(	(	PUNCT
fsr-3465	611	15	2008	2008	NUM
fsr-3465	611	16	)	)	PUNCT
fsr-3465	611	17	and	and	CCONJ
fsr-3465	611	18	seven	seven	NUM
fsr-3465	611	19	of	of	ADP
fsr-3465	611	20	the	the	DET
fsr-3465	611	21	nine	nine	NUM
fsr-3465	611	22	additional	additional	ADJ
fsr-3465	611	23	questions	question	NOUN
fsr-3465	611	24	used	use	VERB
fsr-3465	611	25	by	by	ADP
fsr-3465	611	26	lusardi	lusardi	PROPN
fsr-3465	611	27	and	and	CCONJ
fsr-3465	611	28	mitchell	mitchell	PROPN
fsr-3465	611	29	(	(	PUNCT
fsr-3465	611	30	2007	2007	NUM
fsr-3465	611	31	)	)	PUNCT
fsr-3465	611	32	.	.	PUNCT
fsr-3465	612	1	5	5	NUM
fsr-3465	612	2	we	we	PRON
fsr-3465	612	3	did	do	AUX
fsr-3465	612	4	include	include	VERB
fsr-3465	612	5	a	a	DET
fsr-3465	612	6	respondent	respondent	NOUN
fsr-3465	612	7	’s	’s	PART
fsr-3465	612	8	‘	'	PUNCT
fsr-3465	612	9	confidence	confidence	NOUN
fsr-3465	612	10	in	in	ADP
fsr-3465	612	11	answers	answer	NOUN
fsr-3465	612	12	to	to	ADP
fsr-3465	612	13	the	the	DET
fsr-3465	612	14	knowledge	knowledge	NOUN
fsr-3465	612	15	questions	question	NOUN
fsr-3465	612	16	’	'	PUNCT
fsr-3465	612	17	initially	initially	ADV
fsr-3465	612	18	.	.	PUNCT
fsr-3465	613	1	unlike	unlike	ADP
fsr-3465	613	2	prior	prior	ADJ
fsr-3465	613	3	work	work	NOUN
fsr-3465	613	4	,	,	PUNCT
fsr-3465	613	5	in	in	ADP
fsr-3465	613	6	a	a	DET
fsr-3465	613	7	multi	multi	ADJ
fsr-3465	613	8	-	-	ADJ
fsr-3465	613	9	variate	variate	ADJ
fsr-3465	613	10	framework	framework	NOUN
fsr-3465	613	11	,	,	PUNCT
fsr-3465	613	12	we	we	PRON
fsr-3465	613	13	found	find	VERB
fsr-3465	613	14	either	either	CCONJ
fsr-3465	613	15	no	no	DET
fsr-3465	613	16	effect	effect	NOUN
fsr-3465	613	17	or	or	CCONJ
fsr-3465	613	18	a	a	DET
fsr-3465	613	19	positive	positive	ADJ
fsr-3465	613	20	effect	effect	NOUN
fsr-3465	613	21	on	on	ADP
fsr-3465	613	22	knowledge	knowledge	NOUN
fsr-3465	613	23	.	.	PUNCT
fsr-3465	614	1	6	6	NUM
fsr-3465	614	2	the	the	DET
fsr-3465	614	3	authors	author	NOUN
fsr-3465	614	4	thank	thank	VERB
fsr-3465	614	5	taylor	taylor	PROPN
fsr-3465	614	6	vahle	vahle	PROPN
fsr-3465	614	7	for	for	ADP
fsr-3465	614	8	her	her	PRON
fsr-3465	614	9	keen	keen	ADJ
fsr-3465	614	10	observation	observation	NOUN
fsr-3465	614	11	with	with	ADP
fsr-3465	614	12	respect	respect	NOUN
fsr-3465	614	13	to	to	ADP
fsr-3465	614	14	this	this	PRON
fsr-3465	614	15	and	and	CCONJ
fsr-3465	614	16	other	other	ADJ
fsr-3465	614	17	points	point	NOUN
fsr-3465	614	18	.	.	PUNCT
fsr-3465	615	1	7	7	NUM
fsr-3465	615	2	we	we	PRON
fsr-3465	615	3	would	would	AUX
fsr-3465	615	4	like	like	VERB
fsr-3465	615	5	to	to	PART
fsr-3465	615	6	thank	thank	VERB
fsr-3465	615	7	a	a	DET
fsr-3465	615	8	reviewer	reviewer	NOUN
fsr-3465	615	9	for	for	ADP
fsr-3465	615	10	suggesting	suggest	VERB
fsr-3465	615	11	this	this	DET
fsr-3465	615	12	analysis	analysis	NOUN
fsr-3465	615	13	.	.	PUNCT
fsr-3465	616	1	appendix	appendix	NOUN
fsr-3465	616	2	:	:	PUNCT
fsr-3465	616	3	summary	summary	NOUN
fsr-3465	616	4	of	of	ADP
fsr-3465	616	5	personal	personal	ADJ
fsr-3465	616	6	finance	finance	NOUN
fsr-3465	616	7	modules	module	NOUN
fsr-3465	616	8	budgeting	budgeting	NOUN
fsr-3465	616	9	session	session	NOUN
fsr-3465	616	10	the	the	DET
fsr-3465	616	11	budgeting	budgeting	NOUN
fsr-3465	616	12	module	module	NOUN
fsr-3465	616	13	begins	begin	VERB
fsr-3465	616	14	with	with	ADP
fsr-3465	616	15	an	an	DET
fsr-3465	616	16	explanation	explanation	NOUN
fsr-3465	616	17	of	of	ADP
fsr-3465	616	18	what	what	PRON
fsr-3465	616	19	it	it	PRON
fsr-3465	616	20	means	mean	VERB
fsr-3465	616	21	to	to	PART
fsr-3465	616	22	maximize	maximize	VERB
fsr-3465	616	23	net	net	ADJ
fsr-3465	616	24	worth	worth	NOUN
fsr-3465	616	25	,	,	PUNCT
fsr-3465	616	26	and	and	CCONJ
fsr-3465	616	27	defines	define	VERB
fsr-3465	616	28	what	what	PRON
fsr-3465	616	29	assets	asset	NOUN
fsr-3465	616	30	and	and	CCONJ
fsr-3465	616	31	liabilities	liability	NOUN
fsr-3465	616	32	are	be	AUX
fsr-3465	616	33	.	.	PUNCT
fsr-3465	617	1	in	in	ADP
fsr-3465	617	2	an	an	DET
fsr-3465	617	3	effort	effort	NOUN
fsr-3465	617	4	to	to	PART
fsr-3465	617	5	capture	capture	VERB
fsr-3465	617	6	the	the	DET
fsr-3465	617	7	students	student	NOUN
fsr-3465	617	8	’	'	PUNCT
fsr-3465	617	9	attention	attention	NOUN
fsr-3465	617	10	,	,	PUNCT
fsr-3465	617	11	there	there	PRON
fsr-3465	617	12	is	be	VERB
fsr-3465	617	13	a	a	DET
fsr-3465	617	14	slide	slide	NOUN
fsr-3465	617	15	demonstrating	demonstrating	NOUN
fsr-3465	617	16	approximately	approximately	ADV
fsr-3465	617	17	how	how	SCONJ
fsr-3465	617	18	much	much	ADJ
fsr-3465	617	19	they	they	PRON
fsr-3465	617	20	might	might	AUX
fsr-3465	617	21	need	need	VERB
fsr-3465	617	22	to	to	PART
fsr-3465	617	23	live	live	VERB
fsr-3465	617	24	comfortably	comfortably	ADV
fsr-3465	617	25	in	in	ADP
fsr-3465	617	26	retirement	retirement	NOUN
fsr-3465	617	27	.	.	PUNCT
fsr-3465	618	1	students	student	NOUN
fsr-3465	618	2	are	be	AUX
fsr-3465	618	3	then	then	ADV
fsr-3465	618	4	provided	provide	VERB
fsr-3465	618	5	a	a	DET
fsr-3465	618	6	set	set	NOUN
fsr-3465	618	7	of	of	ADP
fsr-3465	618	8	key	key	ADJ
fsr-3465	618	9	strategies	strategy	NOUN
fsr-3465	618	10	,	,	PUNCT
fsr-3465	618	11	that	that	SCONJ
fsr-3465	618	12	if	if	SCONJ
fsr-3465	618	13	used	use	VERB
fsr-3465	618	14	,	,	PUNCT
fsr-3465	618	15	should	should	AUX
fsr-3465	618	16	help	help	VERB
fsr-3465	618	17	maximize	maximize	VERB
fsr-3465	618	18	wealth	wealth	NOUN
fsr-3465	618	19	(	(	PUNCT
fsr-3465	618	20	e.g.	e.g.	ADV
fsr-3465	618	21	,	,	PUNCT
fsr-3465	618	22	reduce	reduce	VERB
fsr-3465	618	23	spending	spending	NOUN
fsr-3465	618	24	and	and	CCONJ
fsr-3465	618	25	increase	increase	VERB
fsr-3465	618	26	saving	saving	NOUN
fsr-3465	618	27	)	)	PUNCT
fsr-3465	618	28	.	.	PUNCT
fsr-3465	619	1	concepts	concept	NOUN
fsr-3465	619	2	covered	cover	VERB
fsr-3465	619	3	include	include	VERB
fsr-3465	619	4	:	:	PUNCT
fsr-3465	619	5	the	the	DET
fsr-3465	619	6	purpose	purpose	NOUN
fsr-3465	619	7	of	of	ADP
fsr-3465	619	8	a	a	DET
fsr-3465	619	9	budget	budget	NOUN
fsr-3465	619	10	,	,	PUNCT
fsr-3465	619	11	steps	step	NOUN
fsr-3465	619	12	to	to	ADP
fsr-3465	619	13	creating	create	VERB
fsr-3465	619	14	a	a	DET
fsr-3465	619	15	budget	budget	NOUN
fsr-3465	619	16	,	,	PUNCT
fsr-3465	619	17	the	the	DET
fsr-3465	619	18	difference	difference	NOUN
fsr-3465	619	19	between	between	ADP
fsr-3465	619	20	fixed	fix	VERB
fsr-3465	619	21	and	and	CCONJ
fsr-3465	619	22	variable	variable	ADJ
fsr-3465	619	23	expenses	expense	NOUN
fsr-3465	619	24	and	and	CCONJ
fsr-3465	619	25	examples	example	NOUN
fsr-3465	619	26	of	of	ADP
fsr-3465	619	27	each	each	PRON
fsr-3465	619	28	,	,	PUNCT
fsr-3465	619	29	how	how	SCONJ
fsr-3465	619	30	to	to	PART
fsr-3465	619	31	estimate	estimate	VERB
fsr-3465	619	32	expenses	expense	NOUN
fsr-3465	619	33	,	,	PUNCT
fsr-3465	619	34	surprises	surprise	NOUN
fsr-3465	619	35	likely	likely	ADJ
fsr-3465	619	36	to	to	PART
fsr-3465	619	37	interrupt	interrupt	VERB
fsr-3465	619	38	one	one	NUM
fsr-3465	619	39	’s	’s	PART
fsr-3465	619	40	budget	budget	NOUN
fsr-3465	619	41	that	that	PRON
fsr-3465	619	42	can	can	AUX
fsr-3465	619	43	be	be	AUX
fsr-3465	619	44	planned	plan	VERB
fsr-3465	619	45	for	for	ADP
fsr-3465	619	46	(	(	PUNCT
fsr-3465	619	47	e.g.	e.g.	ADV
fsr-3465	619	48	,	,	PUNCT
fsr-3465	619	49	annual	annual	ADJ
fsr-3465	619	50	car	car	NOUN
fsr-3465	619	51	maintenance	maintenance	NOUN
fsr-3465	619	52	)	)	PUNCT
fsr-3465	619	53	,	,	PUNCT
fsr-3465	619	54	financial	financial	ADJ
fsr-3465	619	55	record	record	NOUN
fsr-3465	619	56	keeping	keeping	NOUN
fsr-3465	619	57	,	,	PUNCT
fsr-3465	619	58	reviewing	review	VERB
fsr-3465	619	59	/	/	SYM
fsr-3465	619	60	updating	update	VERB
fsr-3465	619	61	one	one	NUM
fsr-3465	619	62	’s	’s	PART
fsr-3465	619	63	budget	budget	NOUN
fsr-3465	619	64	,	,	PUNCT
fsr-3465	619	65	cash	cash	NOUN
fsr-3465	619	66	management	management	NOUN
fsr-3465	619	67	,	,	PUNCT
fsr-3465	619	68	and	and	CCONJ
fsr-3465	619	69	the	the	DET
fsr-3465	619	70	need	need	NOUN
fsr-3465	619	71	to	to	PART
fsr-3465	619	72	establish	establish	VERB
fsr-3465	619	73	an	an	DET
fsr-3465	619	74	emergency	emergency	NOUN
fsr-3465	619	75	fund	fund	NOUN
fsr-3465	619	76	.	.	PUNCT
fsr-3465	620	1	throughout	throughout	ADP
fsr-3465	620	2	the	the	DET
fsr-3465	620	3	session	session	NOUN
fsr-3465	620	4	,	,	PUNCT
fsr-3465	620	5	faculty	faculty	NOUN
fsr-3465	620	6	stress	stress	VERB
fsr-3465	620	7	the	the	DET
fsr-3465	620	8	need	need	NOUN
fsr-3465	620	9	to	to	PART
fsr-3465	620	10	regularly	regularly	ADV
fsr-3465	620	11	review	review	VERB
fsr-3465	620	12	budgets	budget	NOUN
fsr-3465	620	13	and	and	CCONJ
fsr-3465	620	14	that	that	SCONJ
fsr-3465	620	15	budgets	budget	NOUN
fsr-3465	620	16	reflect	reflect	VERB
fsr-3465	620	17	one	one	NUM
fsr-3465	620	18	’s	’s	PART
fsr-3465	620	19	stage	stage	NOUN
fsr-3465	620	20	in	in	ADP
fsr-3465	620	21	life	life	NOUN
fsr-3465	620	22	.	.	PUNCT
fsr-3465	621	1	credit	credit	NOUN
fsr-3465	621	2	management	management	NOUN
fsr-3465	621	3	session	session	NOUN
fsr-3465	621	4	this	this	DET
fsr-3465	621	5	session	session	NOUN
fsr-3465	621	6	emphasizes	emphasize	VERB
fsr-3465	621	7	the	the	DET
fsr-3465	621	8	importance	importance	NOUN
fsr-3465	621	9	of	of	ADP
fsr-3465	621	10	maximizing	maximize	VERB
fsr-3465	621	11	wealth	wealth	NOUN
fsr-3465	621	12	by	by	ADP
fsr-3465	621	13	effectively	effectively	ADV
fsr-3465	621	14	minimizing	minimize	VERB
fsr-3465	621	15	and	and	CCONJ
fsr-3465	621	16	managing	manage	VERB
fsr-3465	621	17	liabilities	liability	NOUN
fsr-3465	621	18	.	.	PUNCT
fsr-3465	622	1	the	the	DET
fsr-3465	622	2	focus	focus	NOUN
fsr-3465	622	3	is	be	AUX
fsr-3465	622	4	not	not	PART
fsr-3465	622	5	that	that	SCONJ
fsr-3465	622	6	all	all	DET
fsr-3465	622	7	debt	debt	NOUN
fsr-3465	622	8	is	be	AUX
fsr-3465	622	9	bad	bad	ADJ
fsr-3465	622	10	but	but	CCONJ
fsr-3465	622	11	that	that	SCONJ
fsr-3465	622	12	it	it	PRON
fsr-3465	622	13	must	must	AUX
fsr-3465	622	14	be	be	AUX
fsr-3465	622	15	used	use	VERB
fsr-3465	622	16	wisely	wisely	ADV
fsr-3465	622	17	and	and	CCONJ
fsr-3465	622	18	fit	fit	ADJ
fsr-3465	622	19	within	within	ADP
fsr-3465	622	20	the	the	DET
fsr-3465	622	21	budget	budget	NOUN
fsr-3465	622	22	.	.	PUNCT
fsr-3465	623	1	concepts	concept	NOUN
fsr-3465	623	2	covered	cover	VERB
fsr-3465	623	3	include	include	VERB
fsr-3465	623	4	:	:	PUNCT
fsr-3465	623	5	defining	define	VERB
fsr-3465	623	6	credit	credit	NOUN
fsr-3465	623	7	,	,	PUNCT
fsr-3465	623	8	providing	provide	VERB
fsr-3465	623	9	examples	example	NOUN
fsr-3465	623	10	of	of	ADP
fsr-3465	623	11	consumer	consumer	NOUN
fsr-3465	623	12	credit	credit	NOUN
fsr-3465	623	13	,	,	PUNCT
fsr-3465	623	14	discussing	discuss	VERB
fsr-3465	623	15	credit	credit	NOUN
fsr-3465	623	16	costs	cost	NOUN
fsr-3465	623	17	,	,	PUNCT
fsr-3465	623	18	defining	define	VERB
fsr-3465	623	19	open	open	ADJ
fsr-3465	623	20	-	-	PUNCT
fsr-3465	623	21	end	end	NOUN
fsr-3465	623	22	and	and	CCONJ
fsr-3465	623	23	closed	closed	ADJ
fsr-3465	623	24	-	-	PUNCT
fsr-3465	623	25	end	end	NOUN
fsr-3465	623	26	credit	credit	NOUN
fsr-3465	623	27	,	,	PUNCT
fsr-3465	623	28	providing	provide	VERB
fsr-3465	623	29	and	and	CCONJ
fsr-3465	623	30	discussing	discuss	VERB
fsr-3465	623	31	an	an	DET
fsr-3465	623	32	example	example	NOUN
fsr-3465	623	33	of	of	ADP
fsr-3465	623	34	amortized	amortized	ADJ
fsr-3465	623	35	loans	loan	NOUN
fsr-3465	623	36	,	,	PUNCT
fsr-3465	623	37	a	a	DET
fsr-3465	623	38	specific	specific	ADJ
fsr-3465	623	39	look	look	NOUN
fsr-3465	623	40	at	at	ADP
fsr-3465	623	41	credit	credit	NOUN
fsr-3465	623	42	cards	card	NOUN
fsr-3465	623	43	and	and	CCONJ
fsr-3465	623	44	a	a	DET
fsr-3465	623	45	discussion	discussion	NOUN
fsr-3465	623	46	on	on	ADP
fsr-3465	623	47	how	how	SCONJ
fsr-3465	623	48	to	to	PART
fsr-3465	623	49	choose	choose	VERB
fsr-3465	623	50	a	a	DET
fsr-3465	623	51	credit	credit	NOUN
fsr-3465	623	52	card	card	NOUN
fsr-3465	623	53	,	,	PUNCT
fsr-3465	623	54	a	a	DET
fsr-3465	623	55	discussion	discussion	NOUN
fsr-3465	623	56	on	on	ADP
fsr-3465	623	57	credit	credit	NOUN
fsr-3465	623	58	card	card	NOUN
fsr-3465	623	59	fraud	fraud	NOUN
fsr-3465	623	60	and	and	CCONJ
fsr-3465	623	61	protective	protective	ADJ
fsr-3465	623	62	strategies	strategy	NOUN
fsr-3465	623	63	,	,	PUNCT
fsr-3465	623	64	credit	credit	NOUN
fsr-3465	623	65	card	card	NOUN
fsr-3465	623	66	uses	use	NOUN
fsr-3465	623	67	and	and	CCONJ
fsr-3465	623	68	misuses	misuse	NOUN
fsr-3465	623	69	,	,	PUNCT
fsr-3465	623	70	advantages	advantage	NOUN
fsr-3465	623	71	and	and	CCONJ
fsr-3465	623	72	disadvantages	disadvantage	NOUN
fsr-3465	623	73	of	of	ADP
fsr-3465	623	74	card	card	NOUN
fsr-3465	623	75	use	use	NOUN
fsr-3465	623	76	,	,	PUNCT
fsr-3465	623	77	reasons	reason	NOUN
fsr-3465	623	78	individuals	individual	NOUN
fsr-3465	623	79	find	find	VERB
fsr-3465	623	80	themselves	themselves	PRON
fsr-3465	623	81	carrying	carry	VERB
fsr-3465	623	82	high	high	ADJ
fsr-3465	623	83	debt	debt	NOUN
fsr-3465	623	84	levels	level	NOUN
fsr-3465	623	85	,	,	PUNCT
fsr-3465	623	86	and	and	CCONJ
fsr-3465	623	87	credit	credit	NOUN
fsr-3465	623	88	-	-	PUNCT
fsr-3465	623	89	worthiness	worthiness	NOUN
fsr-3465	623	90	and	and	CCONJ
fsr-3465	623	91	credit	credit	NOUN
fsr-3465	623	92	scores	score	NOUN
fsr-3465	623	93	.	.	PUNCT
fsr-3465	624	1	the	the	DET
fsr-3465	624	2	discussion	discussion	NOUN
fsr-3465	624	3	of	of	ADP
fsr-3465	624	4	credit	credit	NOUN
fsr-3465	624	5	scores	score	NOUN
fsr-3465	624	6	goes	go	VERB
fsr-3465	624	7	beyond	beyond	ADP
fsr-3465	624	8	credit	credit	NOUN
fsr-3465	624	9	usage	usage	NOUN
fsr-3465	624	10	by	by	ADP
fsr-3465	624	11	explaining	explain	VERB
fsr-3465	624	12	how	how	SCONJ
fsr-3465	624	13	credit	credit	NOUN
fsr-3465	624	14	scores	score	NOUN
fsr-3465	624	15	are	be	AUX
fsr-3465	624	16	being	be	AUX
fsr-3465	624	17	used	use	VERB
fsr-3465	624	18	to	to	PART
fsr-3465	624	19	set	set	VERB
fsr-3465	624	20	insurance	insurance	NOUN
fsr-3465	624	21	premiums	premium	NOUN
fsr-3465	624	22	and	and	CCONJ
fsr-3465	624	23	make	make	VERB
fsr-3465	624	24	employment	employment	NOUN
fsr-3465	624	25	decisions	decision	NOUN
fsr-3465	624	26	.	.	PUNCT
fsr-3465	625	1	j.	j.	PROPN
fsr-3465	625	2	handy	handy	PROPN
fsr-3465	625	3	et	et	PROPN
fsr-3465	625	4	al	al	PROPN
fsr-3465	625	5	.	.	PUNCT
fsr-3465	625	6	/	/	SYM
fsr-3465	625	7	financial	financial	ADJ
fsr-3465	625	8	services	service	NOUN
fsr-3465	625	9	review	review	VERB
fsr-3465	625	10	29	29	NUM
fsr-3465	625	11	(	(	PUNCT
fsr-3465	625	12	2021	2021	NUM
fsr-3465	625	13	)	)	PUNCT
fsr-3465	625	14	315–341	315–341	NUM
fsr-3465	625	15	339	339	NUM
fsr-3465	625	16	risk	risk	NOUN
fsr-3465	625	17	and	and	CCONJ
fsr-3465	625	18	return	return	NOUN
fsr-3465	625	19	session	session	NOUN
fsr-3465	625	20	this	this	DET
fsr-3465	625	21	module	module	NOUN
fsr-3465	625	22	is	be	AUX
fsr-3465	625	23	treated	treat	VERB
fsr-3465	625	24	separately	separately	ADV
fsr-3465	625	25	for	for	ADP
fsr-3465	625	26	two	two	NUM
fsr-3465	625	27	reasons	reason	NOUN
fsr-3465	625	28	.	.	PUNCT
fsr-3465	626	1	first	first	ADV
fsr-3465	626	2	,	,	PUNCT
fsr-3465	626	3	the	the	DET
fsr-3465	626	4	authors	author	NOUN
fsr-3465	626	5	concluded	conclude	VERB
fsr-3465	626	6	that	that	SCONJ
fsr-3465	626	7	the	the	DET
fsr-3465	626	8	risk	risk	NOUN
fsr-3465	626	9	/	/	SYM
fsr-3465	626	10	return	return	NOUN
fsr-3465	626	11	relationship	relationship	NOUN
fsr-3465	626	12	is	be	AUX
fsr-3465	626	13	one	one	NUM
fsr-3465	626	14	most	most	ADV
fsr-3465	626	15	often	often	ADV
fsr-3465	626	16	“	"	PUNCT
fsr-3465	626	17	forgotten	forget	VERB
fsr-3465	626	18	”	"	PUNCT
fsr-3465	626	19	and	and	CCONJ
fsr-3465	626	20	misunderstood	misunderstood	NOUN
fsr-3465	626	21	by	by	ADP
fsr-3465	626	22	investors	investor	NOUN
fsr-3465	626	23	,	,	PUNCT
fsr-3465	626	24	especially	especially	ADV
fsr-3465	626	25	those	those	PRON
fsr-3465	626	26	that	that	PRON
fsr-3465	626	27	are	be	AUX
fsr-3465	626	28	not	not	PART
fsr-3465	626	29	financially	financially	ADV
fsr-3465	626	30	inclined	incline	VERB
fsr-3465	626	31	(	(	PUNCT
fsr-3465	626	32	a	a	DET
fsr-3465	626	33	significant	significant	ADJ
fsr-3465	626	34	population	population	NOUN
fsr-3465	626	35	in	in	ADP
fsr-3465	626	36	these	these	DET
fsr-3465	626	37	sessions	session	NOUN
fsr-3465	626	38	)	)	PUNCT
fsr-3465	626	39	.	.	PUNCT
fsr-3465	627	1	second	second	ADV
fsr-3465	627	2	,	,	PUNCT
fsr-3465	627	3	the	the	DET
fsr-3465	627	4	principles	principle	NOUN
fsr-3465	627	5	are	be	AUX
fsr-3465	627	6	essential	essential	ADJ
fsr-3465	627	7	to	to	ADP
fsr-3465	627	8	getting	get	VERB
fsr-3465	627	9	students	student	NOUN
fsr-3465	627	10	to	to	PART
fsr-3465	627	11	understand	understand	VERB
fsr-3465	627	12	the	the	DET
fsr-3465	627	13	need	need	NOUN
fsr-3465	627	14	to	to	PART
fsr-3465	627	15	invest	invest	VERB
fsr-3465	627	16	in	in	ADP
fsr-3465	627	17	capital	capital	NOUN
fsr-3465	627	18	markets	market	NOUN
fsr-3465	627	19	to	to	PART
fsr-3465	627	20	achieve	achieve	VERB
fsr-3465	627	21	goals	goal	NOUN
fsr-3465	627	22	like	like	ADP
fsr-3465	627	23	retirement	retirement	NOUN
fsr-3465	627	24	.	.	PUNCT
fsr-3465	628	1	this	this	DET
fsr-3465	628	2	session	session	NOUN
fsr-3465	628	3	reminds	remind	VERB
fsr-3465	628	4	students	student	NOUN
fsr-3465	628	5	of	of	ADP
fsr-3465	628	6	the	the	DET
fsr-3465	628	7	importance	importance	NOUN
fsr-3465	628	8	of	of	ADP
fsr-3465	628	9	maximizing	maximize	VERB
fsr-3465	628	10	wealth	wealth	NOUN
fsr-3465	628	11	and	and	CCONJ
fsr-3465	628	12	introduces	introduce	VERB
fsr-3465	628	13	how	how	SCONJ
fsr-3465	628	14	uncertainty	uncertainty	NOUN
fsr-3465	628	15	or	or	CCONJ
fsr-3465	628	16	risk	risk	NOUN
fsr-3465	628	17	can	can	AUX
fsr-3465	628	18	impact	impact	VERB
fsr-3465	628	19	decisions	decision	NOUN
fsr-3465	628	20	.	.	PUNCT
fsr-3465	629	1	concepts	concept	NOUN
fsr-3465	629	2	covered	cover	VERB
fsr-3465	629	3	include	include	VERB
fsr-3465	629	4	:	:	PUNCT
fsr-3465	629	5	a	a	DET
fsr-3465	629	6	historical	historical	ADJ
fsr-3465	629	7	look	look	NOUN
fsr-3465	629	8	at	at	ADP
fsr-3465	629	9	risk	risk	NOUN
fsr-3465	629	10	and	and	CCONJ
fsr-3465	629	11	return	return	NOUN
fsr-3465	629	12	,	,	PUNCT
fsr-3465	629	13	a	a	DET
fsr-3465	629	14	formal	formal	ADJ
fsr-3465	629	15	definition	definition	NOUN
fsr-3465	629	16	of	of	ADP
fsr-3465	629	17	risk	risk	NOUN
fsr-3465	629	18	and	and	CCONJ
fsr-3465	629	19	return	return	NOUN
fsr-3465	629	20	,	,	PUNCT
fsr-3465	629	21	fundamental	fundamental	ADJ
fsr-3465	629	22	rules	rule	NOUN
fsr-3465	629	23	of	of	ADP
fsr-3465	629	24	investing	investing	NOUN
fsr-3465	629	25	,	,	PUNCT
fsr-3465	629	26	implications	implication	NOUN
fsr-3465	629	27	of	of	ADP
fsr-3465	629	28	risk	risk	NOUN
fsr-3465	629	29	,	,	PUNCT
fsr-3465	629	30	and	and	CCONJ
fsr-3465	629	31	diversification	diversification	NOUN
fsr-3465	629	32	(	(	PUNCT
fsr-3465	629	33	what	what	PRON
fsr-3465	629	34	it	it	PRON
fsr-3465	629	35	is	be	AUX
fsr-3465	629	36	,	,	PUNCT
fsr-3465	629	37	graphical	graphical	ADJ
fsr-3465	629	38	representation	representation	NOUN
fsr-3465	629	39	,	,	PUNCT
fsr-3465	629	40	statistical	statistical	ADJ
fsr-3465	629	41	information	information	NOUN
fsr-3465	629	42	,	,	PUNCT
fsr-3465	629	43	and	and	CCONJ
fsr-3465	629	44	how	how	SCONJ
fsr-3465	629	45	to	to	PART
fsr-3465	629	46	achieve	achieve	VERB
fsr-3465	629	47	in	in	ADP
fsr-3465	629	48	general	general	ADJ
fsr-3465	629	49	)	)	PUNCT
fsr-3465	629	50	.	.	PUNCT
fsr-3465	630	1	mutual	mutual	ADJ
fsr-3465	630	2	funds	fund	NOUN
fsr-3465	630	3	session	session	NOUN
fsr-3465	630	4	this	this	DET
fsr-3465	630	5	module	module	NOUN
fsr-3465	630	6	is	be	AUX
fsr-3465	630	7	included	include	VERB
fsr-3465	630	8	separately	separately	ADV
fsr-3465	630	9	because	because	SCONJ
fsr-3465	630	10	mutual	mutual	ADJ
fsr-3465	630	11	funds	fund	NOUN
fsr-3465	630	12	are	be	AUX
fsr-3465	630	13	the	the	DET
fsr-3465	630	14	primary	primary	ADJ
fsr-3465	630	15	vehicle	vehicle	NOUN
fsr-3465	630	16	that	that	PRON
fsr-3465	630	17	students	student	NOUN
fsr-3465	630	18	will	will	AUX
fsr-3465	630	19	likely	likely	ADV
fsr-3465	630	20	use	use	VERB
fsr-3465	630	21	to	to	PART
fsr-3465	630	22	participate	participate	VERB
fsr-3465	630	23	in	in	ADP
fsr-3465	630	24	capital	capital	NOUN
fsr-3465	630	25	markets	market	NOUN
fsr-3465	630	26	,	,	PUNCT
fsr-3465	630	27	and	and	CCONJ
fsr-3465	630	28	given	give	VERB
fsr-3465	630	29	the	the	DET
fsr-3465	630	30	growing	grow	VERB
fsr-3465	630	31	complexity	complexity	NOUN
fsr-3465	630	32	of	of	ADP
fsr-3465	630	33	fee	fee	NOUN
fsr-3465	630	34	structures	structure	NOUN
fsr-3465	630	35	,	,	PUNCT
fsr-3465	630	36	especially	especially	ADV
fsr-3465	630	37	in	in	ADP
fsr-3465	630	38	the	the	DET
fsr-3465	630	39	advisor	advisor	NOUN
fsr-3465	630	40	-	-	PUNCT
fsr-3465	630	41	sold	sell	VERB
fsr-3465	630	42	channel	channel	NOUN
fsr-3465	630	43	(	(	PUNCT
fsr-3465	630	44	see	see	VERB
fsr-3465	630	45	handy	handy	ADJ
fsr-3465	630	46	et	et	NOUN
fsr-3465	630	47	al	al	PROPN
fsr-3465	630	48	.	.	PROPN
fsr-3465	630	49	,	,	PUNCT
fsr-3465	630	50	2020	2020	NUM
fsr-3465	630	51	)	)	PUNCT
fsr-3465	630	52	,	,	PUNCT
fsr-3465	630	53	the	the	DET
fsr-3465	630	54	authors	author	NOUN
fsr-3465	630	55	decided	decide	VERB
fsr-3465	630	56	to	to	PART
fsr-3465	630	57	devote	devote	VERB
fsr-3465	630	58	one	one	NUM
fsr-3465	630	59	module	module	NOUN
fsr-3465	630	60	to	to	ADP
fsr-3465	630	61	funds	fund	NOUN
fsr-3465	630	62	.	.	PUNCT
fsr-3465	631	1	additionally	additionally	ADV
fsr-3465	631	2	,	,	PUNCT
fsr-3465	631	3	the	the	DET
fsr-3465	631	4	module	module	NOUN
fsr-3465	631	5	helps	help	VERB
fsr-3465	631	6	develop	develop	VERB
fsr-3465	631	7	and	and	CCONJ
fsr-3465	631	8	reinforce	reinforce	VERB
fsr-3465	631	9	the	the	DET
fsr-3465	631	10	principle	principle	NOUN
fsr-3465	631	11	of	of	ADP
fsr-3465	631	12	diversification	diversification	NOUN
fsr-3465	631	13	.	.	PUNCT
fsr-3465	632	1	the	the	DET
fsr-3465	632	2	session	session	NOUN
fsr-3465	632	3	emphasizes	emphasize	VERB
fsr-3465	632	4	the	the	DET
fsr-3465	632	5	importance	importance	NOUN
fsr-3465	632	6	of	of	ADP
fsr-3465	632	7	asset	asset	NOUN
fsr-3465	632	8	class	class	NOUN
fsr-3465	632	9	diversification	diversification	NOUN
fsr-3465	632	10	.	.	PUNCT
fsr-3465	633	1	students	student	NOUN
fsr-3465	633	2	learn	learn	VERB
fsr-3465	633	3	that	that	SCONJ
fsr-3465	633	4	mutual	mutual	ADJ
fsr-3465	633	5	funds	fund	NOUN
fsr-3465	633	6	are	be	AUX
fsr-3465	633	7	one	one	NUM
fsr-3465	633	8	of	of	ADP
fsr-3465	633	9	the	the	DET
fsr-3465	633	10	most	most	ADV
fsr-3465	633	11	popular	popular	ADJ
fsr-3465	633	12	asset	asset	NOUN
fsr-3465	633	13	growth	growth	NOUN
fsr-3465	633	14	tools	tool	NOUN
fsr-3465	633	15	.	.	PUNCT
fsr-3465	634	1	concepts	concept	NOUN
fsr-3465	634	2	covered	cover	VERB
fsr-3465	634	3	include	include	VERB
fsr-3465	634	4	:	:	PUNCT
fsr-3465	634	5	defining	define	VERB
fsr-3465	634	6	a	a	DET
fsr-3465	634	7	mutual	mutual	ADJ
fsr-3465	634	8	fund	fund	NOUN
fsr-3465	634	9	,	,	PUNCT
fsr-3465	634	10	discussing	discuss	VERB
fsr-3465	634	11	the	the	DET
fsr-3465	634	12	types	type	NOUN
fsr-3465	634	13	of	of	ADP
fsr-3465	634	14	mutual	mutual	ADJ
fsr-3465	634	15	funds	fund	NOUN
fsr-3465	634	16	(	(	PUNCT
fsr-3465	634	17	load	load	NOUN
fsr-3465	634	18	vs.	vs.	ADP
fsr-3465	634	19	no	no	DET
fsr-3465	634	20	-	-	PUNCT
fsr-3465	634	21	load	load	NOUN
fsr-3465	634	22	)	)	PUNCT
fsr-3465	634	23	,	,	PUNCT
fsr-3465	634	24	a	a	DET
fsr-3465	634	25	significant	significant	ADJ
fsr-3465	634	26	focus	focus	NOUN
fsr-3465	634	27	on	on	ADP
fsr-3465	634	28	fund	fund	NOUN
fsr-3465	634	29	fees	fee	NOUN
fsr-3465	634	30	,	,	PUNCT
fsr-3465	634	31	load	load	NOUN
fsr-3465	634	32	structure	structure	NOUN
fsr-3465	634	33	(	(	PUNCT
fsr-3465	634	34	e.g.	e.g.	ADV
fsr-3465	634	35	,	,	PUNCT
fsr-3465	634	36	a	a	DET
fsr-3465	634	37	-	-	PUNCT
fsr-3465	634	38	class	class	NOUN
fsr-3465	634	39	,	,	PUNCT
fsr-3465	634	40	b	b	NOUN
fsr-3465	634	41	-	-	PUNCT
fsr-3465	634	42	class	class	NOUN
fsr-3465	634	43	,	,	PUNCT
fsr-3465	634	44	or	or	CCONJ
fsr-3465	634	45	c	c	NOUN
fsr-3465	634	46	-	-	PUNCT
fsr-3465	634	47	class	class	NOUN
fsr-3465	634	48	)	)	PUNCT
fsr-3465	634	49	,	,	PUNCT
fsr-3465	634	50	general	general	ADJ
fsr-3465	634	51	fund	fund	NOUN
fsr-3465	634	52	investment	investment	NOUN
fsr-3465	634	53	types	type	NOUN
fsr-3465	634	54	and	and	CCONJ
fsr-3465	634	55	information	information	NOUN
fsr-3465	634	56	on	on	ADP
fsr-3465	634	57	each	each	DET
fsr-3465	634	58	type	type	NOUN
fsr-3465	634	59	including	include	VERB
fsr-3465	634	60	risk	risk	NOUN
fsr-3465	634	61	profiles	profile	NOUN
fsr-3465	634	62	,	,	PUNCT
fsr-3465	634	63	fund	fund	NOUN
fsr-3465	634	64	families	family	NOUN
fsr-3465	634	65	,	,	PUNCT
fsr-3465	634	66	and	and	CCONJ
fsr-3465	634	67	how	how	SCONJ
fsr-3465	634	68	to	to	PART
fsr-3465	634	69	evaluate	evaluate	VERB
fsr-3465	634	70	mutual	mutual	ADJ
fsr-3465	634	71	fund	fund	NOUN
fsr-3465	634	72	performance	performance	NOUN
fsr-3465	634	73	.	.	PUNCT
fsr-3465	635	1	retirement	retirement	NOUN
fsr-3465	635	2	planning	planning	NOUN
fsr-3465	635	3	session	session	NOUN
fsr-3465	635	4	this	this	DET
fsr-3465	635	5	session	session	NOUN
fsr-3465	635	6	begins	begin	VERB
fsr-3465	635	7	by	by	ADP
fsr-3465	635	8	discussing	discuss	VERB
fsr-3465	635	9	the	the	DET
fsr-3465	635	10	importance	importance	NOUN
fsr-3465	635	11	of	of	ADP
fsr-3465	635	12	wealth	wealth	NOUN
fsr-3465	635	13	maximization	maximization	NOUN
fsr-3465	635	14	,	,	PUNCT
fsr-3465	635	15	especially	especially	ADV
fsr-3465	635	16	for	for	ADP
fsr-3465	635	17	this	this	DET
fsr-3465	635	18	goal	goal	NOUN
fsr-3465	635	19	.	.	PUNCT
fsr-3465	636	1	the	the	DET
fsr-3465	636	2	session	session	NOUN
fsr-3465	636	3	covers	cover	VERB
fsr-3465	636	4	popular	popular	ADJ
fsr-3465	636	5	retirement	retirement	NOUN
fsr-3465	636	6	beliefs	belief	NOUN
fsr-3465	636	7	and	and	CCONJ
fsr-3465	636	8	myths	myth	NOUN
fsr-3465	636	9	,	,	PUNCT
fsr-3465	636	10	the	the	DET
fsr-3465	636	11	importance	importance	NOUN
fsr-3465	636	12	of	of	ADP
fsr-3465	636	13	starting	start	VERB
fsr-3465	636	14	to	to	PART
fsr-3465	636	15	save	save	VERB
fsr-3465	636	16	early	early	ADV
fsr-3465	636	17	,	,	PUNCT
fsr-3465	636	18	the	the	DET
fsr-3465	636	19	state	state	NOUN
fsr-3465	636	20	of	of	ADP
fsr-3465	636	21	social	social	ADJ
fsr-3465	636	22	security	security	NOUN
fsr-3465	636	23	,	,	PUNCT
fsr-3465	636	24	defined	define	VERB
fsr-3465	636	25	contribution	contribution	NOUN
fsr-3465	636	26	plans	plan	NOUN
fsr-3465	636	27	and	and	CCONJ
fsr-3465	636	28	important	important	ADJ
fsr-3465	636	29	terminology	terminology	NOUN
fsr-3465	636	30	,	,	PUNCT
fsr-3465	636	31	traditional	traditional	ADJ
fsr-3465	636	32	and	and	CCONJ
fsr-3465	636	33	roth	roth	PROPN
fsr-3465	636	34	iras	ira	NOUN
fsr-3465	636	35	,	,	PUNCT
fsr-3465	636	36	annuities	annuity	NOUN
fsr-3465	636	37	,	,	PUNCT
fsr-3465	636	38	how	how	SCONJ
fsr-3465	636	39	to	to	PART
fsr-3465	636	40	start	start	VERB
fsr-3465	636	41	a	a	DET
fsr-3465	636	42	retirement	retirement	NOUN
fsr-3465	636	43	account	account	NOUN
fsr-3465	636	44	,	,	PUNCT
fsr-3465	636	45	and	and	CCONJ
fsr-3465	636	46	529	529	NUM
fsr-3465	636	47	college	college	NOUN
fsr-3465	636	48	savings	saving	NOUN
fsr-3465	636	49	plans	plan	NOUN
fsr-3465	636	50	.	.	PUNCT
fsr-3465	637	1	risk	risk	NOUN
fsr-3465	637	2	management	management	NOUN
fsr-3465	637	3	session	session	NOUN
fsr-3465	637	4	this	this	DET
fsr-3465	637	5	module	module	NOUN
fsr-3465	637	6	is	be	AUX
fsr-3465	637	7	intentionally	intentionally	ADV
fsr-3465	637	8	titled	title	VERB
fsr-3465	637	9	risk	risk	NOUN
fsr-3465	637	10	management	management	NOUN
fsr-3465	637	11	instead	instead	ADV
fsr-3465	637	12	of	of	ADP
fsr-3465	637	13	insurance	insurance	NOUN
fsr-3465	637	14	to	to	PART
fsr-3465	637	15	focus	focus	VERB
fsr-3465	637	16	attention	attention	NOUN
fsr-3465	637	17	on	on	ADP
fsr-3465	637	18	why	why	SCONJ
fsr-3465	637	19	we	we	PRON
fsr-3465	637	20	need	need	VERB
fsr-3465	637	21	insurance	insurance	NOUN
fsr-3465	637	22	—	—	PUNCT
fsr-3465	637	23	to	to	PART
fsr-3465	637	24	protect	protect	VERB
fsr-3465	637	25	net	net	ADJ
fsr-3465	637	26	worth	worth	NOUN
fsr-3465	637	27	.	.	PUNCT
fsr-3465	638	1	the	the	DET
fsr-3465	638	2	session	session	NOUN
fsr-3465	638	3	reminds	remind	VERB
fsr-3465	638	4	students	student	NOUN
fsr-3465	638	5	of	of	ADP
fsr-3465	638	6	the	the	DET
fsr-3465	638	7	importance	importance	NOUN
fsr-3465	638	8	of	of	ADP
fsr-3465	638	9	maximizing	maximize	VERB
fsr-3465	638	10	wealth	wealth	NOUN
fsr-3465	638	11	but	but	CCONJ
fsr-3465	638	12	introduces	introduce	VERB
fsr-3465	638	13	them	they	PRON
fsr-3465	638	14	to	to	ADP
fsr-3465	638	15	the	the	DET
fsr-3465	638	16	need	need	NOUN
fsr-3465	638	17	to	to	PART
fsr-3465	638	18	protect	protect	VERB
fsr-3465	638	19	their	their	PRON
fsr-3465	638	20	assets	asset	NOUN
fsr-3465	638	21	from	from	ADP
fsr-3465	638	22	large	large	ADJ
fsr-3465	638	23	loss	loss	NOUN
fsr-3465	638	24	via	via	ADP
fsr-3465	638	25	risk	risk	NOUN
fsr-3465	638	26	management	management	NOUN
fsr-3465	638	27	.	.	PUNCT
fsr-3465	639	1	students	student	NOUN
fsr-3465	639	2	learn	learn	VERB
fsr-3465	639	3	general	general	ADJ
fsr-3465	639	4	insurance	insurance	NOUN
fsr-3465	639	5	terminology	terminology	NOUN
fsr-3465	639	6	(	(	PUNCT
fsr-3465	639	7	e.g.	e.g.	ADV
fsr-3465	639	8	,	,	PUNCT
fsr-3465	639	9	coinsurance	coinsurance	NOUN
fsr-3465	639	10	,	,	PUNCT
fsr-3465	639	11	deductible	deductible	ADJ
fsr-3465	639	12	,	,	PUNCT
fsr-3465	639	13	or	or	CCONJ
fsr-3465	639	14	copay	copay	PROPN
fsr-3465	639	15	)	)	PUNCT
fsr-3465	639	16	,	,	PUNCT
fsr-3465	639	17	and	and	CCONJ
fsr-3465	639	18	are	be	AUX
fsr-3465	639	19	exposed	expose	VERB
fsr-3465	639	20	to	to	ADP
fsr-3465	639	21	health	health	NOUN
fsr-3465	639	22	insurance	insurance	NOUN
fsr-3465	639	23	,	,	PUNCT
fsr-3465	639	24	auto	auto	NOUN
fsr-3465	639	25	insurance	insurance	NOUN
fsr-3465	639	26	,	,	PUNCT
fsr-3465	639	27	disability	disability	NOUN
fsr-3465	639	28	insurance	insurance	NOUN
fsr-3465	639	29	,	,	PUNCT
fsr-3465	639	30	life	life	NOUN
fsr-3465	639	31	insurance	insurance	NOUN
fsr-3465	639	32	,	,	PUNCT
fsr-3465	639	33	and	and	CCONJ
fsr-3465	639	34	renter	renter	NOUN
fsr-3465	639	35	’s	’s	PART
fsr-3465	639	36	insurance	insurance	NOUN
fsr-3465	639	37	.	.	PUNCT
fsr-3465	640	1	emphasis	emphasis	NOUN
fsr-3465	640	2	is	be	AUX
fsr-3465	640	3	placed	place	VERB
fsr-3465	640	4	on	on	ADP
fsr-3465	640	5	how	how	SCONJ
fsr-3465	640	6	insurance	insurance	NOUN
fsr-3465	640	7	needs	need	NOUN
fsr-3465	640	8	vary	vary	VERB
fsr-3465	640	9	by	by	ADP
fsr-3465	640	10	life	life	NOUN
fsr-3465	640	11	stage	stage	NOUN
fsr-3465	640	12	and	and	CCONJ
fsr-3465	640	13	insurance	insurance	NOUN
fsr-3465	640	14	coverage	coverage	NOUN
fsr-3465	640	15	should	should	AUX
fsr-3465	640	16	be	be	AUX
fsr-3465	640	17	revisited	revisit	VERB
fsr-3465	640	18	periodically	periodically	ADV
fsr-3465	640	19	.	.	PUNCT
fsr-3465	641	1	references	reference	NOUN
fsr-3465	641	2	allgood	allgood	PROPN
fsr-3465	641	3	,	,	PUNCT
fsr-3465	641	4	s.	s.	PROPN
fsr-3465	641	5	,	,	PUNCT
fsr-3465	641	6	&	&	CCONJ
fsr-3465	641	7	walstad	walstad	PROPN
fsr-3465	641	8	,	,	PUNCT
fsr-3465	641	9	w.	w.	PROPN
fsr-3465	641	10	(	(	PUNCT
fsr-3465	641	11	2013	2013	NUM
fsr-3465	641	12	)	)	PUNCT
fsr-3465	641	13	.	.	PUNCT
fsr-3465	642	1	financial	financial	ADJ
fsr-3465	642	2	literacy	literacy	NOUN
fsr-3465	642	3	and	and	CCONJ
fsr-3465	642	4	credit	credit	NOUN
fsr-3465	642	5	card	card	NOUN
fsr-3465	642	6	behaviors	behavior	NOUN
fsr-3465	642	7	:	:	PUNCT
fsr-3465	642	8	a	a	DET
fsr-3465	642	9	cross	cross	ADJ
fsr-3465	642	10	-	-	ADJ
fsr-3465	642	11	sectional	sectional	ADJ
fsr-3465	642	12	analysis	analysis	NOUN
fsr-3465	642	13	by	by	ADP
fsr-3465	642	14	age	age	NOUN
fsr-3465	642	15	.	.	PUNCT
fsr-3465	643	1	numeracy	numeracy	NOUN
fsr-3465	643	2	,	,	PUNCT
fsr-3465	643	3	6(2	6(2	NUM
fsr-3465	643	4	)	)	PUNCT
fsr-3465	643	5	,	,	PUNCT
fsr-3465	643	6	1–26	1–26	NOUN
fsr-3465	643	7	.	.	PUNCT
fsr-3465	644	1	association	association	NOUN
fsr-3465	644	2	for	for	ADP
fsr-3465	644	3	financial	financial	ADJ
fsr-3465	644	4	counseling	counseling	NOUN
fsr-3465	644	5	and	and	CCONJ
fsr-3465	644	6	planning	planning	NOUN
fsr-3465	644	7	education	education	NOUN
fsr-3465	644	8	.	.	PUNCT
fsr-3465	645	1	(	(	PUNCT
fsr-3465	645	2	2006	2006	NUM
fsr-3465	645	3	)	)	PUNCT
fsr-3465	645	4	.	.	PUNCT
fsr-3465	646	1	closing	close	VERB
fsr-3465	646	2	the	the	DET
fsr-3465	646	3	gap	gap	NOUN
fsr-3465	646	4	between	between	ADP
fsr-3465	646	5	knowledge	knowledge	NOUN
fsr-3465	646	6	and	and	CCONJ
fsr-3465	646	7	behavior	behavior	NOUN
fsr-3465	646	8	:	:	PUNCT
fsr-3465	646	9	turning	turn	VERB
fsr-3465	646	10	education	education	NOUN
fsr-3465	646	11	into	into	ADP
fsr-3465	646	12	action	action	NOUN
fsr-3465	646	13	.	.	PUNCT
fsr-3465	647	1	journal	journal	NOUN
fsr-3465	647	2	of	of	ADP
fsr-3465	647	3	financial	financial	ADJ
fsr-3465	647	4	counseling	counseling	NOUN
fsr-3465	647	5	and	and	CCONJ
fsr-3465	647	6	planning	planning	NOUN
fsr-3465	647	7	,	,	PUNCT
fsr-3465	647	8	17	17	NUM
fsr-3465	647	9	,	,	PUNCT
fsr-3465	647	10	73–90	73–90	NUM
fsr-3465	647	11	.	.	PUNCT
fsr-3465	648	1	bandura	bandura	NOUN
fsr-3465	648	2	,	,	PUNCT
fsr-3465	648	3	a.	a.	NOUN
fsr-3465	648	4	(	(	PUNCT
fsr-3465	648	5	1977	1977	NUM
fsr-3465	648	6	)	)	PUNCT
fsr-3465	648	7	.	.	PUNCT
fsr-3465	649	1	self	self	NOUN
fsr-3465	649	2	-	-	PUNCT
fsr-3465	649	3	efficacy	efficacy	NOUN
fsr-3465	649	4	:	:	PUNCT
fsr-3465	649	5	toward	toward	ADP
fsr-3465	649	6	a	a	DET
fsr-3465	649	7	unifying	unifying	ADJ
fsr-3465	649	8	theory	theory	NOUN
fsr-3465	649	9	of	of	ADP
fsr-3465	649	10	behavioral	behavioral	ADJ
fsr-3465	649	11	change	change	NOUN
fsr-3465	649	12	.	.	PUNCT
fsr-3465	650	1	psychological	psychological	ADJ
fsr-3465	650	2	[	[	X
fsr-3465	650	3	database	database	NOUN
fsr-3465	650	4	]	]	X
fsr-3465	650	5	review	review	NOUN
fsr-3465	650	6	,	,	PUNCT
fsr-3465	650	7	84	84	NUM
fsr-3465	650	8	,	,	PUNCT
fsr-3465	650	9	191–215	191–215	NUM
fsr-3465	650	10	.	.	PUNCT
fsr-3465	651	1	bosshardt	bosshardt	PROPN
fsr-3465	651	2	,	,	PUNCT
fsr-3465	651	3	w.	w.	PROPN
fsr-3465	651	4	,	,	PUNCT
fsr-3465	651	5	&	&	CCONJ
fsr-3465	651	6	walstad	walstad	PROPN
fsr-3465	651	7	,	,	PUNCT
fsr-3465	651	8	w.	w.	PROPN
fsr-3465	651	9	(	(	PUNCT
fsr-3465	651	10	2014	2014	NUM
fsr-3465	651	11	)	)	PUNCT
fsr-3465	651	12	.	.	PUNCT
fsr-3465	652	1	national	national	ADJ
fsr-3465	652	2	standards	standard	NOUN
fsr-3465	652	3	for	for	ADP
fsr-3465	652	4	financial	financial	ADJ
fsr-3465	652	5	literacy	literacy	NOUN
fsr-3465	652	6	:	:	PUNCT
fsr-3465	652	7	rationale	rationale	NOUN
fsr-3465	652	8	and	and	CCONJ
fsr-3465	652	9	content	content	NOUN
fsr-3465	652	10	.	.	PUNCT
fsr-3465	653	1	the	the	DET
fsr-3465	653	2	journal	journal	NOUN
fsr-3465	653	3	of	of	ADP
fsr-3465	653	4	economic	economic	ADJ
fsr-3465	653	5	education	education	NOUN
fsr-3465	653	6	,	,	PUNCT
fsr-3465	653	7	45	45	NUM
fsr-3465	653	8	,	,	PUNCT
fsr-3465	653	9	63–70	63–70	NUM
fsr-3465	653	10	.	.	PUNCT
fsr-3465	654	1	340	340	NUM
fsr-3465	654	2	j.	j.	PROPN
fsr-3465	654	3	handy	handy	PROPN
fsr-3465	654	4	et	et	PROPN
fsr-3465	654	5	al	al	PROPN
fsr-3465	654	6	.	.	PUNCT
fsr-3465	654	7	/	/	SYM
fsr-3465	654	8	financial	financial	ADJ
fsr-3465	654	9	services	service	NOUN
fsr-3465	654	10	review	review	VERB
fsr-3465	654	11	29	29	NUM
fsr-3465	654	12	(	(	PUNCT
fsr-3465	654	13	2021	2021	NUM
fsr-3465	654	14	)	)	PUNCT
fsr-3465	654	15	315–341	315–341	NUM
fsr-3465	654	16	cacioppo	cacioppo	NOUN
fsr-3465	654	17	,	,	PUNCT
fsr-3465	654	18	j.	j.	PROPN
fsr-3465	654	19	t.	t.	PROPN
fsr-3465	654	20	,	,	PUNCT
fsr-3465	654	21	&	&	CCONJ
fsr-3465	654	22	petty	petty	PROPN
fsr-3465	654	23	,	,	PUNCT
fsr-3465	654	24	r.	r.	PROPN
fsr-3465	654	25	e.	e.	PROPN
fsr-3465	654	26	(	(	PUNCT
fsr-3465	654	27	1982	1982	NUM
fsr-3465	654	28	)	)	PUNCT
fsr-3465	654	29	.	.	PUNCT
fsr-3465	655	1	the	the	DET
fsr-3465	655	2	need	need	NOUN
fsr-3465	655	3	for	for	ADP
fsr-3465	655	4	cognition	cognition	NOUN
fsr-3465	655	5	.	.	PUNCT
fsr-3465	656	1	journal	journal	NOUN
fsr-3465	656	2	of	of	ADP
fsr-3465	656	3	personality	personality	NOUN
fsr-3465	656	4	and	and	CCONJ
fsr-3465	656	5	social	social	ADJ
fsr-3465	656	6	psychology	psychology	NOUN
fsr-3465	656	7	,	,	PUNCT
fsr-3465	656	8	42	42	NUM
fsr-3465	656	9	,	,	PUNCT
fsr-3465	656	10	116	116	NUM
fsr-3465	656	11	–	–	PUNCT
fsr-3465	656	12	131	131	NUM
fsr-3465	656	13	.	.	PUNCT
fsr-3465	657	1	diener	diener	PROPN
fsr-3465	657	2	,	,	PUNCT
fsr-3465	657	3	e.	e.	PROPN
fsr-3465	657	4	,	,	PUNCT
fsr-3465	657	5	emmons	emmons	PROPN
fsr-3465	657	6	,	,	PUNCT
fsr-3465	657	7	r.	r.	PROPN
fsr-3465	657	8	a.	a.	PROPN
fsr-3465	657	9	,	,	PUNCT
fsr-3465	657	10	larsen	larsen	PROPN
fsr-3465	657	11	,	,	PUNCT
fsr-3465	657	12	r.	r.	PROPN
fsr-3465	657	13	j.	j.	PROPN
fsr-3465	657	14	,	,	PUNCT
fsr-3465	657	15	&	&	CCONJ
fsr-3465	657	16	griffin	griffin	PROPN
fsr-3465	657	17	,	,	PUNCT
fsr-3465	657	18	s.	s.	PROPN
fsr-3465	657	19	(	(	PUNCT
fsr-3465	657	20	1985	1985	NUM
fsr-3465	657	21	)	)	PUNCT
fsr-3465	657	22	.	.	PUNCT
fsr-3465	658	1	the	the	DET
fsr-3465	658	2	satisfaction	satisfaction	NOUN
fsr-3465	658	3	with	with	ADP
fsr-3465	658	4	life	life	NOUN
fsr-3465	658	5	scale	scale	NOUN
fsr-3465	658	6	.	.	PUNCT
fsr-3465	659	1	journal	journal	NOUN
fsr-3465	659	2	of	of	ADP
fsr-3465	659	3	personality	personality	NOUN
fsr-3465	659	4	assessment	assessment	NOUN
fsr-3465	659	5	,	,	PUNCT
fsr-3465	659	6	46	46	NUM
fsr-3465	659	7	,	,	PUNCT
fsr-3465	659	8	71–75	71–75	PROPN
fsr-3465	659	9	.	.	PUNCT
fsr-3465	660	1	farrell	farrell	PROPN
fsr-3465	660	2	,	,	PUNCT
fsr-3465	660	3	l.	l.	PROPN
fsr-3465	660	4	,	,	PUNCT
fsr-3465	660	5	fry	fry	PROPN
fsr-3465	660	6	,	,	PUNCT
fsr-3465	660	7	t.	t.	PROPN
fsr-3465	660	8	r.	r.	PROPN
fsr-3465	660	9	l.	l.	PROPN
fsr-3465	660	10	,	,	PUNCT
fsr-3465	660	11	&	&	CCONJ
fsr-3465	660	12	rissie	rissie	PROPN
fsr-3465	660	13	,	,	PUNCT
fsr-3465	660	14	l.	l.	PROPN
fsr-3465	660	15	(	(	PUNCT
fsr-3465	660	16	2016	2016	NUM
fsr-3465	660	17	)	)	PUNCT
fsr-3465	660	18	.	.	PUNCT
fsr-3465	661	1	the	the	DET
fsr-3465	661	2	significance	significance	NOUN
fsr-3465	661	3	of	of	ADP
fsr-3465	661	4	financial	financial	ADJ
fsr-3465	661	5	self	self	NOUN
fsr-3465	661	6	-	-	PUNCT
fsr-3465	661	7	efficacy	efficacy	NOUN
fsr-3465	661	8	in	in	ADP
fsr-3465	661	9	explaining	explain	VERB
fsr-3465	661	10	women	woman	NOUN
fsr-3465	661	11	’s	’s	PART
fsr-3465	661	12	personal	personal	ADJ
fsr-3465	661	13	finance	finance	NOUN
fsr-3465	661	14	behaviour	behaviour	NOUN
fsr-3465	661	15	.	.	PUNCT
fsr-3465	662	1	journal	journal	PROPN
fsr-3465	662	2	of	of	ADP
fsr-3465	662	3	economic	economic	ADJ
fsr-3465	662	4	psychology	psychology	NOUN
fsr-3465	662	5	,	,	PUNCT
fsr-3465	662	6	54	54	NUM
fsr-3465	662	7	,	,	PUNCT
fsr-3465	662	8	85–99	85–99	NUM
fsr-3465	662	9	.	.	PUNCT
fsr-3465	663	1	fox	fox	PROPN
fsr-3465	663	2	,	,	PUNCT
fsr-3465	663	3	j.	j.	PROPN
fsr-3465	663	4	,	,	PUNCT
fsr-3465	663	5	bartholomae	bartholomae	PROPN
fsr-3465	663	6	,	,	PUNCT
fsr-3465	663	7	s.	s.	PROPN
fsr-3465	663	8	,	,	PUNCT
fsr-3465	663	9	&	&	CCONJ
fsr-3465	663	10	lee	lee	PROPN
fsr-3465	663	11	,	,	PUNCT
fsr-3465	663	12	j.	j.	PROPN
fsr-3465	663	13	(	(	PUNCT
fsr-3465	663	14	2005	2005	NUM
fsr-3465	663	15	)	)	PUNCT
fsr-3465	663	16	.	.	PUNCT
fsr-3465	664	1	building	build	VERB
fsr-3465	664	2	the	the	DET
fsr-3465	664	3	case	case	NOUN
fsr-3465	664	4	for	for	ADP
fsr-3465	664	5	financial	financial	ADJ
fsr-3465	664	6	education	education	NOUN
fsr-3465	664	7	.	.	PUNCT
fsr-3465	665	1	journal	journal	NOUN
fsr-3465	665	2	of	of	ADP
fsr-3465	665	3	consumer	consumer	NOUN
fsr-3465	665	4	affairs	affair	NOUN
fsr-3465	665	5	,	,	PUNCT
fsr-3465	665	6	39	39	NUM
fsr-3465	665	7	,	,	PUNCT
fsr-3465	665	8	195–214	195–214	NUM
fsr-3465	665	9	.	.	PUNCT
fsr-3465	666	1	gerardi	gerardi	PROPN
fsr-3465	666	2	,	,	PUNCT
fsr-3465	666	3	k.	k.	PROPN
fsr-3465	666	4	,	,	PUNCT
fsr-3465	666	5	goette	goette	NOUN
fsr-3465	666	6	,	,	PUNCT
fsr-3465	666	7	l.	l.	PROPN
fsr-3465	666	8	,	,	PUNCT
fsr-3465	666	9	&	&	CCONJ
fsr-3465	666	10	meier	meier	PROPN
fsr-3465	666	11	,	,	PUNCT
fsr-3465	666	12	s.	s.	PROPN
fsr-3465	666	13	(	(	PUNCT
fsr-3465	666	14	2013	2013	NUM
fsr-3465	666	15	)	)	PUNCT
fsr-3465	666	16	.	.	PUNCT
fsr-3465	667	1	numerical	numerical	ADJ
fsr-3465	667	2	ability	ability	NOUN
fsr-3465	667	3	predicts	predict	VERB
fsr-3465	667	4	mortgage	mortgage	NOUN
fsr-3465	667	5	default	default	NOUN
fsr-3465	667	6	.	.	PUNCT
fsr-3465	668	1	proceedings	proceeding	NOUN
fsr-3465	668	2	of	of	ADP
fsr-3465	668	3	the	the	DET
fsr-3465	668	4	national	national	PROPN
fsr-3465	668	5	academy	academy	PROPN
fsr-3465	668	6	of	of	ADP
fsr-3465	668	7	sciences	sciences	PROPN
fsr-3465	668	8	,	,	PUNCT
fsr-3465	668	9	110(28	110(28	NUM
fsr-3465	668	10	)	)	PUNCT
fsr-3465	668	11	,	,	PUNCT
fsr-3465	668	12	11267–11271	11267–11271	NUM
fsr-3465	668	13	.	.	PUNCT
fsr-3465	669	1	handy	handy	ADJ
fsr-3465	669	2	,	,	PUNCT
fsr-3465	669	3	j.	j.	PROPN
fsr-3465	669	4	,	,	PUNCT
fsr-3465	669	5	&	&	CCONJ
fsr-3465	669	6	smythe	smythe	PROPN
fsr-3465	669	7	,	,	PUNCT
fsr-3465	669	8	t.	t.	PROPN
fsr-3465	669	9	(	(	PUNCT
fsr-3465	669	10	2020	2020	NUM
fsr-3465	669	11	)	)	PUNCT
fsr-3465	669	12	.	.	PUNCT
fsr-3465	670	1	are	be	AUX
fsr-3465	670	2	multiple	multiple	ADJ
fsr-3465	670	3	-	-	PUNCT
fsr-3465	670	4	share	share	NOUN
fsr-3465	670	5	class	class	NOUN
fsr-3465	670	6	funds	fund	NOUN
fsr-3465	670	7	poorly	poorly	ADV
fsr-3465	670	8	governed	govern	VERB
fsr-3465	670	9	?	?	PUNCT
fsr-3465	671	1	financial	financial	ADJ
fsr-3465	671	2	services	service	NOUN
fsr-3465	671	3	review	review	PROPN
fsr-3465	671	4	,	,	PUNCT
fsr-3465	671	5	28	28	NUM
fsr-3465	671	6	,	,	PUNCT
fsr-3465	671	7	49–65	49–65	NUM
fsr-3465	671	8	.	.	PUNCT
fsr-3465	672	1	handy	handy	ADJ
fsr-3465	672	2	,	,	PUNCT
fsr-3465	672	3	j.	j.	PROPN
fsr-3465	672	4	,	,	PUNCT
fsr-3465	672	5	smythe	smythe	PROPN
fsr-3465	672	6	,	,	PUNCT
fsr-3465	672	7	t.	t.	PROPN
fsr-3465	672	8	,	,	PUNCT
fsr-3465	672	9	&	&	CCONJ
fsr-3465	672	10	ricketts	ricketts	PROPN
fsr-3465	672	11	,	,	PUNCT
fsr-3465	672	12	j.	j.	PROPN
fsr-3465	672	13	(	(	PUNCT
fsr-3465	672	14	2020	2020	NUM
fsr-3465	672	15	)	)	PUNCT
fsr-3465	672	16	.	.	PUNCT
fsr-3465	673	1	analyzing	analyze	VERB
fsr-3465	673	2	the	the	DET
fsr-3465	673	3	evidence	evidence	NOUN
fsr-3465	673	4	:	:	PUNCT
fsr-3465	673	5	are	be	AUX
fsr-3465	673	6	multi	multi	ADJ
fsr-3465	673	7	-	-	ADJ
fsr-3465	673	8	class	class	ADJ
fsr-3465	673	9	mutual	mutual	ADJ
fsr-3465	673	10	funds	fund	NOUN
fsr-3465	673	11	the	the	DET
fsr-3465	673	12	right	right	ADJ
fsr-3465	673	13	choice	choice	NOUN
fsr-3465	673	14	?	?	PUNCT
fsr-3465	673	15	”	"	PUNCT
fsr-3465	673	16	journal	journal	NOUN
fsr-3465	673	17	of	of	ADP
fsr-3465	673	18	index	index	NOUN
fsr-3465	673	19	investing	investing	NOUN
fsr-3465	673	20	,	,	PUNCT
fsr-3465	673	21	10(4	10(4	NUM
fsr-3465	673	22	)	)	PUNCT
fsr-3465	673	23	,	,	PUNCT
fsr-3465	673	24	49–58	49–58	PROPN
fsr-3465	673	25	.	.	PUNCT
fsr-3465	674	1	henager	henager	ADV
fsr-3465	674	2	,	,	PUNCT
fsr-3465	674	3	r.	r.	PROPN
fsr-3465	674	4	,	,	PUNCT
fsr-3465	674	5	&	&	CCONJ
fsr-3465	674	6	cude	cude	PROPN
fsr-3465	674	7	,	,	PUNCT
fsr-3465	674	8	b.	b.	PROPN
fsr-3465	674	9	(	(	PUNCT
fsr-3465	674	10	2016	2016	NUM
fsr-3465	674	11	)	)	PUNCT
fsr-3465	674	12	.	.	PUNCT
fsr-3465	675	1	financial	financial	ADJ
fsr-3465	675	2	literacy	literacy	NOUN
fsr-3465	675	3	and	and	CCONJ
fsr-3465	675	4	longand	longand	NOUN
fsr-3465	675	5	short	short	ADJ
fsr-3465	675	6	-	-	PUNCT
fsr-3465	675	7	term	term	NOUN
fsr-3465	675	8	financial	financial	ADJ
fsr-3465	675	9	behavior	behavior	NOUN
fsr-3465	675	10	in	in	ADP
fsr-3465	675	11	different	different	ADJ
fsr-3465	675	12	age	age	NOUN
fsr-3465	675	13	groups	group	NOUN
fsr-3465	675	14	.	.	PUNCT
fsr-3465	676	1	journal	journal	NOUN
fsr-3465	676	2	of	of	ADP
fsr-3465	676	3	financial	financial	ADJ
fsr-3465	676	4	counseling	counseling	NOUN
fsr-3465	676	5	and	and	CCONJ
fsr-3465	676	6	planning	planning	NOUN
fsr-3465	676	7	,	,	PUNCT
fsr-3465	676	8	27	27	NUM
fsr-3465	676	9	,	,	PUNCT
fsr-3465	676	10	3–19	3–19	NOUN
fsr-3465	676	11	.	.	PUNCT
fsr-3465	677	1	huston	huston	PROPN
fsr-3465	677	2	,	,	PUNCT
fsr-3465	677	3	s.	s.	PROPN
fsr-3465	677	4	(	(	PUNCT
fsr-3465	677	5	2010	2010	NUM
fsr-3465	677	6	)	)	PUNCT
fsr-3465	677	7	.	.	PUNCT
fsr-3465	678	1	measuring	measure	VERB
fsr-3465	678	2	financial	financial	ADJ
fsr-3465	678	3	literacy	literacy	NOUN
fsr-3465	678	4	.	.	PUNCT
fsr-3465	679	1	journal	journal	NOUN
fsr-3465	679	2	of	of	ADP
fsr-3465	679	3	consumer	consumer	NOUN
fsr-3465	679	4	affairs	affair	NOUN
fsr-3465	679	5	,	,	PUNCT
fsr-3465	679	6	44	44	NUM
fsr-3465	679	7	,	,	PUNCT
fsr-3465	679	8	296–316	296–316	NUM
fsr-3465	679	9	.	.	PUNCT
fsr-3465	680	1	knoll	knoll	NOUN
fsr-3465	680	2	,	,	PUNCT
fsr-3465	680	3	m.	m.	NOUN
fsr-3465	680	4	,	,	PUNCT
fsr-3465	680	5	&	&	CCONJ
fsr-3465	680	6	houts	hout	NOUN
fsr-3465	680	7	,	,	PUNCT
fsr-3465	680	8	c.	c.	NOUN
fsr-3465	680	9	(	(	PUNCT
fsr-3465	680	10	2012	2012	NUM
fsr-3465	680	11	)	)	PUNCT
fsr-3465	680	12	.	.	PUNCT
fsr-3465	681	1	the	the	DET
fsr-3465	681	2	financial	financial	ADJ
fsr-3465	681	3	knowledge	knowledge	NOUN
fsr-3465	681	4	scale	scale	NOUN
fsr-3465	681	5	:	:	PUNCT
fsr-3465	681	6	an	an	DET
fsr-3465	681	7	application	application	NOUN
fsr-3465	681	8	of	of	ADP
fsr-3465	681	9	item	item	NOUN
fsr-3465	681	10	response	response	NOUN
fsr-3465	681	11	theory	theory	NOUN
fsr-3465	681	12	to	to	ADP
fsr-3465	681	13	the	the	DET
fsr-3465	681	14	assessment	assessment	NOUN
fsr-3465	681	15	of	of	ADP
fsr-3465	681	16	financial	financial	ADJ
fsr-3465	681	17	literacy	literacy	NOUN
fsr-3465	681	18	.	.	PUNCT
fsr-3465	682	1	journal	journal	NOUN
fsr-3465	682	2	of	of	ADP
fsr-3465	682	3	consumer	consumer	NOUN
fsr-3465	682	4	affairs	affair	NOUN
fsr-3465	682	5	,	,	PUNCT
fsr-3465	682	6	46	46	NUM
fsr-3465	682	7	,	,	PUNCT
fsr-3465	682	8	381–410	381–410	NUM
fsr-3465	682	9	.	.	PUNCT
fsr-3465	683	1	kruger	kruger	PROPN
fsr-3465	683	2	,	,	PUNCT
fsr-3465	683	3	j.	j.	PROPN
fsr-3465	683	4	,	,	PUNCT
fsr-3465	683	5	&	&	CCONJ
fsr-3465	683	6	dunning	dun	VERB
fsr-3465	683	7	,	,	PUNCT
fsr-3465	683	8	d.	d.	PROPN
fsr-3465	683	9	(	(	PUNCT
fsr-3465	683	10	1999	1999	NUM
fsr-3465	683	11	)	)	PUNCT
fsr-3465	683	12	.	.	PUNCT
fsr-3465	684	1	unskilled	unskilled	ADJ
fsr-3465	684	2	and	and	CCONJ
fsr-3465	684	3	unaware	unaware	ADJ
fsr-3465	684	4	of	of	ADP
fsr-3465	684	5	it	it	PRON
fsr-3465	684	6	:	:	PUNCT
fsr-3465	684	7	how	how	SCONJ
fsr-3465	684	8	difficulties	difficulty	NOUN
fsr-3465	684	9	in	in	ADP
fsr-3465	684	10	recognizing	recognize	VERB
fsr-3465	684	11	one	one	NUM
fsr-3465	684	12	’s	’s	PART
fsr-3465	684	13	own	own	ADJ
fsr-3465	684	14	incompetence	incompetence	NOUN
fsr-3465	684	15	lead	lead	NOUN
fsr-3465	684	16	to	to	ADP
fsr-3465	684	17	inflated	inflated	ADJ
fsr-3465	684	18	self	self	NOUN
fsr-3465	684	19	-	-	PUNCT
fsr-3465	684	20	assessments	assessment	NOUN
fsr-3465	684	21	.	.	PUNCT
fsr-3465	685	1	journal	journal	NOUN
fsr-3465	685	2	of	of	ADP
fsr-3465	685	3	personality	personality	NOUN
fsr-3465	685	4	and	and	CCONJ
fsr-3465	685	5	social	social	ADJ
fsr-3465	685	6	psychology	psychology	NOUN
fsr-3465	685	7	,	,	PUNCT
fsr-3465	685	8	77	77	NUM
fsr-3465	685	9	,	,	PUNCT
fsr-3465	685	10	1121–1134	1121–1134	NUM
fsr-3465	685	11	.	.	PUNCT
fsr-3465	686	1	lapp	lapp	PROPN
fsr-3465	686	2	,	,	PUNCT
fsr-3465	686	3	w.	w.	PROPN
fsr-3465	686	4	m.	m.	NOUN
fsr-3465	686	5	(	(	PUNCT
fsr-3465	686	6	2010	2010	NUM
fsr-3465	686	7	)	)	PUNCT
fsr-3465	686	8	.	.	PUNCT
fsr-3465	687	1	the	the	DET
fsr-3465	687	2	missing	missing	ADJ
fsr-3465	687	3	link	link	NOUN
fsr-3465	687	4	:	:	PUNCT
fsr-3465	687	5	financial	financial	ADJ
fsr-3465	687	6	self	self	NOUN
fsr-3465	687	7	-	-	PUNCT
fsr-3465	687	8	efficacy	efficacy	NOUN
fsr-3465	687	9	’s	’s	PART
fsr-3465	687	10	critical	critical	ADJ
fsr-3465	687	11	role	role	NOUN
fsr-3465	687	12	in	in	ADP
fsr-3465	687	13	financial	financial	ADJ
fsr-3465	687	14	capability	capability	NOUN
fsr-3465	687	15	.	.	PUNCT
fsr-3465	688	1	san	san	PROPN
fsr-3465	688	2	francisco	francisco	PROPN
fsr-3465	688	3	,	,	PUNCT
fsr-3465	688	4	ca	can	AUX
fsr-3465	688	5	:	:	PUNCT
fsr-3465	688	6	earn	earn	VERB
fsr-3465	688	7	research	research	PROPN
fsr-3465	688	8	institute	institute	PROPN
fsr-3465	688	9	.	.	PUNCT
fsr-3465	689	1	lusardi	lusardi	PROPN
fsr-3465	689	2	,	,	PUNCT
fsr-3465	689	3	a.	a.	NOUN
fsr-3465	689	4	(	(	PUNCT
fsr-3465	689	5	2008	2008	NUM
fsr-3465	689	6	)	)	PUNCT
fsr-3465	689	7	.	.	PUNCT
fsr-3465	690	1	financial	financial	ADJ
fsr-3465	690	2	literacy	literacy	NOUN
fsr-3465	690	3	:	:	PUNCT
fsr-3465	690	4	an	an	DET
fsr-3465	690	5	essential	essential	ADJ
fsr-3465	690	6	tool	tool	NOUN
fsr-3465	690	7	for	for	ADP
fsr-3465	690	8	informed	informed	ADJ
fsr-3465	690	9	consumer	consumer	NOUN
fsr-3465	690	10	choice	choice	NOUN
fsr-3465	690	11	.	.	PUNCT
fsr-3465	691	1	nber	nber	PROPN
fsr-3465	691	2	working	working	PROPN
fsr-3465	691	3	paper	paper	PROPN
fsr-3465	691	4	series	series	NOUN
fsr-3465	691	5	,	,	PUNCT
fsr-3465	691	6	14084	14084	NUM
fsr-3465	691	7	.	.	PUNCT
fsr-3465	692	1	cambridge	cambridge	PROPN
fsr-3465	692	2	,	,	PUNCT
fsr-3465	692	3	ma	ma	PROPN
fsr-3465	692	4	:	:	PUNCT
fsr-3465	692	5	national	national	PROPN
fsr-3465	692	6	bureau	bureau	PROPN
fsr-3465	692	7	of	of	ADP
fsr-3465	692	8	economic	economic	ADJ
fsr-3465	692	9	research	research	NOUN
fsr-3465	692	10	.	.	PUNCT
fsr-3465	693	1	lusardi	lusardi	PROPN
fsr-3465	693	2	,	,	PUNCT
fsr-3465	693	3	a.	a.	PROPN
fsr-3465	693	4	,	,	PUNCT
fsr-3465	693	5	&	&	CCONJ
fsr-3465	693	6	mitchell	mitchell	PROPN
fsr-3465	693	7	,	,	PUNCT
fsr-3465	693	8	o.	o.	PROPN
fsr-3465	693	9	(	(	PUNCT
fsr-3465	693	10	2007	2007	NUM
fsr-3465	693	11	)	)	PUNCT
fsr-3465	693	12	.	.	PUNCT
fsr-3465	694	1	baby	baby	NOUN
fsr-3465	694	2	boomer	boomer	PROPN
fsr-3465	694	3	retirement	retirement	PROPN
fsr-3465	694	4	security	security	PROPN
fsr-3465	694	5	:	:	PUNCT
fsr-3465	694	6	the	the	DET
fsr-3465	694	7	roles	role	NOUN
fsr-3465	694	8	of	of	ADP
fsr-3465	694	9	planning	planning	NOUN
fsr-3465	694	10	,	,	PUNCT
fsr-3465	694	11	financial	financial	ADJ
fsr-3465	694	12	literacy	literacy	NOUN
fsr-3465	694	13	,	,	PUNCT
fsr-3465	694	14	and	and	CCONJ
fsr-3465	694	15	housing	housing	NOUN
fsr-3465	694	16	wealth	wealth	NOUN
fsr-3465	694	17	.	.	PUNCT
fsr-3465	695	1	journal	journal	PROPN
fsr-3465	695	2	of	of	ADP
fsr-3465	695	3	monetary	monetary	ADJ
fsr-3465	695	4	economics	economic	NOUN
fsr-3465	695	5	,	,	PUNCT
fsr-3465	695	6	54	54	NUM
fsr-3465	695	7	,	,	PUNCT
fsr-3465	695	8	205–224	205–224	NUM
fsr-3465	695	9	.	.	PUNCT
fsr-3465	696	1	lusardi	lusardi	PROPN
fsr-3465	696	2	,	,	PUNCT
fsr-3465	696	3	a.	a.	PROPN
fsr-3465	696	4	,	,	PUNCT
fsr-3465	696	5	&	&	CCONJ
fsr-3465	696	6	mitchell	mitchell	PROPN
fsr-3465	696	7	,	,	PUNCT
fsr-3465	696	8	o.	o.	PROPN
fsr-3465	696	9	(	(	PUNCT
fsr-3465	696	10	2011	2011	NUM
fsr-3465	696	11	)	)	PUNCT
fsr-3465	696	12	.	.	PUNCT
fsr-3465	697	1	financial	financial	ADJ
fsr-3465	697	2	literacy	literacy	NOUN
fsr-3465	697	3	and	and	CCONJ
fsr-3465	697	4	retirement	retirement	NOUN
fsr-3465	697	5	planning	planning	NOUN
fsr-3465	697	6	in	in	ADP
fsr-3465	697	7	the	the	DET
fsr-3465	697	8	united	united	PROPN
fsr-3465	697	9	states	states	PROPN
fsr-3465	697	10	.	.	PUNCT
fsr-3465	698	1	journal	journal	PROPN
fsr-3465	698	2	of	of	ADP
fsr-3465	698	3	pension	pension	NOUN
fsr-3465	698	4	economics	economic	NOUN
fsr-3465	698	5	and	and	CCONJ
fsr-3465	698	6	finance	finance	NOUN
fsr-3465	698	7	,	,	PUNCT
fsr-3465	698	8	10	10	NUM
fsr-3465	698	9	,	,	PUNCT
fsr-3465	698	10	509–525	509–525	NUM
fsr-3465	698	11	.	.	PUNCT
fsr-3465	699	1	lusardi	lusardi	PROPN
fsr-3465	699	2	,	,	PUNCT
fsr-3465	699	3	a.	a.	PROPN
fsr-3465	699	4	,	,	PUNCT
fsr-3465	699	5	&	&	CCONJ
fsr-3465	699	6	mitchell	mitchell	PROPN
fsr-3465	699	7	,	,	PUNCT
fsr-3465	699	8	o.	o.	PROPN
fsr-3465	699	9	s.	s.	PROPN
fsr-3465	699	10	(	(	PUNCT
fsr-3465	699	11	2014	2014	NUM
fsr-3465	699	12	)	)	PUNCT
fsr-3465	699	13	.	.	PUNCT
fsr-3465	700	1	the	the	DET
fsr-3465	700	2	economic	economic	ADJ
fsr-3465	700	3	importance	importance	NOUN
fsr-3465	700	4	of	of	ADP
fsr-3465	700	5	financial	financial	ADJ
fsr-3465	700	6	literacy	literacy	NOUN
fsr-3465	700	7	:	:	PUNCT
fsr-3465	700	8	theory	theory	NOUN
fsr-3465	700	9	and	and	CCONJ
fsr-3465	700	10	evidence	evidence	NOUN
fsr-3465	700	11	.	.	PUNCT
fsr-3465	701	1	[	[	X
fsr-3465	701	2	database	database	NOUN
fsr-3465	701	3	]	]	X
fsr-3465	701	4	.	.	PUNCT
fsr-3465	702	1	journal	journal	PROPN
fsr-3465	702	2	of	of	ADP
fsr-3465	702	3	economic	economic	ADJ
fsr-3465	702	4	literature	literature	NOUN
fsr-3465	702	5	,	,	PUNCT
fsr-3465	702	6	52	52	NUM
fsr-3465	702	7	,	,	PUNCT
fsr-3465	702	8	5–44	5–44	PROPN
fsr-3465	702	9	.	.	PROPN
fsr-3465	702	10	lusardi	lusardi	PROPN
fsr-3465	702	11	,	,	PUNCT
fsr-3465	702	12	a.	a.	PROPN
fsr-3465	702	13	,	,	PUNCT
fsr-3465	702	14	&	&	CCONJ
fsr-3465	702	15	mitchell	mitchell	PROPN
fsr-3465	702	16	,	,	PUNCT
fsr-3465	702	17	o.	o.	PROPN
fsr-3465	702	18	(	(	PUNCT
fsr-3465	702	19	2017	2017	NUM
fsr-3465	702	20	)	)	PUNCT
fsr-3465	702	21	.	.	PUNCT
fsr-3465	703	1	how	how	SCONJ
fsr-3465	703	2	ordinary	ordinary	ADJ
fsr-3465	703	3	consumers	consumer	NOUN
fsr-3465	703	4	make	make	VERB
fsr-3465	703	5	complex	complex	ADJ
fsr-3465	703	6	economic	economic	ADJ
fsr-3465	703	7	decisions	decision	NOUN
fsr-3465	703	8	:	:	PUNCT
fsr-3465	703	9	financial	financial	ADJ
fsr-3465	703	10	literacy	literacy	NOUN
fsr-3465	703	11	and	and	CCONJ
fsr-3465	703	12	retirement	retirement	NOUN
fsr-3465	703	13	readiness	readiness	NOUN
fsr-3465	703	14	.	.	PUNCT
fsr-3465	704	1	quarterly	quarterly	ADJ
fsr-3465	704	2	journal	journal	NOUN
fsr-3465	704	3	of	of	ADP
fsr-3465	704	4	finance	finance	NOUN
fsr-3465	704	5	,	,	PUNCT
fsr-3465	704	6	07	07	NUM
fsr-3465	704	7	,	,	PUNCT
fsr-3465	704	8	1750008–1750031	1750008–1750031	NUM
fsr-3465	704	9	.	.	PUNCT
fsr-3465	705	1	lusardi	lusardi	PROPN
fsr-3465	705	2	,	,	PUNCT
fsr-3465	705	3	a.	a.	PROPN
fsr-3465	705	4	,	,	PUNCT
fsr-3465	705	5	mitchell	mitchell	PROPN
fsr-3465	705	6	,	,	PUNCT
fsr-3465	705	7	o.	o.	PROPN
fsr-3465	705	8	,	,	PUNCT
fsr-3465	705	9	&	&	CCONJ
fsr-3465	705	10	curto	curto	PROPN
fsr-3465	705	11	,	,	PUNCT
fsr-3465	705	12	v.	v.	PROPN
fsr-3465	705	13	(	(	PUNCT
fsr-3465	705	14	2010	2010	NUM
fsr-3465	705	15	)	)	PUNCT
fsr-3465	705	16	.	.	PUNCT
fsr-3465	706	1	financial	financial	ADJ
fsr-3465	706	2	literacy	literacy	NOUN
fsr-3465	706	3	among	among	ADP
fsr-3465	706	4	the	the	DET
fsr-3465	706	5	young	young	ADJ
fsr-3465	706	6	.	.	PUNCT
fsr-3465	707	1	journal	journal	PROPN
fsr-3465	707	2	of	of	ADP
fsr-3465	707	3	consumer	consumer	NOUN
fsr-3465	707	4	affairs	affair	NOUN
fsr-3465	707	5	,	,	PUNCT
fsr-3465	707	6	44	44	NUM
fsr-3465	707	7	,	,	PUNCT
fsr-3465	707	8	358–380	358–380	NUM
fsr-3465	707	9	.	.	PUNCT
fsr-3465	708	1	lusardi	lusardi	PROPN
fsr-3465	708	2	,	,	PUNCT
fsr-3465	708	3	a.	a.	PROPN
fsr-3465	708	4	,	,	PUNCT
fsr-3465	708	5	&	&	CCONJ
fsr-3465	708	6	tufano	tufano	ADJ
fsr-3465	708	7	,	,	PUNCT
fsr-3465	708	8	p.	p.	NOUN
fsr-3465	708	9	(	(	PUNCT
fsr-3465	708	10	2009	2009	NUM
fsr-3465	708	11	)	)	PUNCT
fsr-3465	708	12	.	.	PUNCT
fsr-3465	709	1	debt	debt	NOUN
fsr-3465	709	2	literacy	literacy	NOUN
fsr-3465	709	3	,	,	PUNCT
fsr-3465	709	4	financial	financial	ADJ
fsr-3465	709	5	experiences	experience	NOUN
fsr-3465	709	6	,	,	PUNCT
fsr-3465	709	7	and	and	CCONJ
fsr-3465	709	8	over	over	ADP
fsr-3465	709	9	-	-	PUNCT
fsr-3465	709	10	indebtedness	indebtedness	NOUN
fsr-3465	709	11	.	.	PUNCT
fsr-3465	710	1	nber	nber	PROPN
fsr-3465	710	2	working	working	PROPN
fsr-3465	710	3	paper	paper	NOUN
fsr-3465	710	4	,	,	PUNCT
fsr-3465	710	5	14808	14808	NUM
fsr-3465	710	6	.	.	PUNCT
fsr-3465	711	1	cambridge	cambridge	PROPN
fsr-3465	711	2	,	,	PUNCT
fsr-3465	711	3	ma	ma	PROPN
fsr-3465	711	4	:	:	PUNCT
fsr-3465	711	5	national	national	PROPN
fsr-3465	711	6	bureau	bureau	PROPN
fsr-3465	711	7	of	of	ADP
fsr-3465	711	8	economic	economic	ADJ
fsr-3465	711	9	research	research	NOUN
fsr-3465	711	10	.	.	PUNCT
fsr-3465	712	1	mandell	mandell	PROPN
fsr-3465	712	2	,	,	PUNCT
fsr-3465	712	3	l.	l.	PROPN
fsr-3465	712	4	(	(	PUNCT
fsr-3465	712	5	1998	1998	NUM
fsr-3465	712	6	)	)	PUNCT
fsr-3465	712	7	.	.	PUNCT
fsr-3465	713	1	our	our	PRON
fsr-3465	713	2	vulnerable	vulnerable	ADJ
fsr-3465	713	3	youth	youth	NOUN
fsr-3465	713	4	:	:	PUNCT
fsr-3465	713	5	the	the	DET
fsr-3465	713	6	financial	financial	ADJ
fsr-3465	713	7	literacy	literacy	NOUN
fsr-3465	713	8	of	of	ADP
fsr-3465	713	9	american	american	PROPN
fsr-3465	713	10	12th	12th	PROPN
fsr-3465	713	11	graders	grader	NOUN
fsr-3465	713	12	.	.	PUNCT
fsr-3465	714	1	washington	washington	PROPN
fsr-3465	714	2	,	,	PUNCT
fsr-3465	714	3	dc	dc	PROPN
fsr-3465	714	4	:	:	PUNCT
fsr-3465	714	5	the	the	DET
fsr-3465	714	6	jump$tart	jump$tart	NOUN
fsr-3465	714	7	coalition	coalition	NOUN
fsr-3465	714	8	for	for	ADP
fsr-3465	714	9	personal	personal	ADJ
fsr-3465	714	10	financial	financial	ADJ
fsr-3465	714	11	literacy	literacy	NOUN
fsr-3465	714	12	.	.	PUNCT
fsr-3465	715	1	roberts	roberts	PROPN
fsr-3465	715	2	,	,	PUNCT
fsr-3465	715	3	m.	m.	PROPN
fsr-3465	715	4	r.	r.	PROPN
fsr-3465	715	5	,	,	PUNCT
fsr-3465	715	6	&	&	CCONJ
fsr-3465	715	7	whited	white	VERB
fsr-3465	715	8	,	,	PUNCT
fsr-3465	715	9	t.	t.	NOUN
fsr-3465	715	10	m.	m.	NOUN
fsr-3465	715	11	(	(	PUNCT
fsr-3465	715	12	2013	2013	NUM
fsr-3465	715	13	)	)	PUNCT
fsr-3465	715	14	.	.	PUNCT
fsr-3465	716	1	endogeneity	endogeneity	NOUN
fsr-3465	716	2	in	in	ADP
fsr-3465	716	3	empirical	empirical	ADJ
fsr-3465	716	4	corporate	corporate	ADJ
fsr-3465	716	5	finance	finance	NOUN
fsr-3465	716	6	.	.	PUNCT
fsr-3465	717	1	in	in	ADP
fsr-3465	717	2	g.	g.	PROPN
fsr-3465	717	3	m.	m.	PROPN
fsr-3465	717	4	constantinides	constantinide	VERB
fsr-3465	717	5	,	,	PUNCT
fsr-3465	717	6	m.	m.	PROPN
fsr-3465	717	7	harris	harris	PROPN
fsr-3465	717	8	,	,	PUNCT
fsr-3465	717	9	&	&	CCONJ
fsr-3465	717	10	r.	r.	PROPN
fsr-3465	717	11	m.	m.	PROPN
fsr-3465	717	12	stulz	stulz	PROPN
fsr-3465	717	13	(	(	PUNCT
fsr-3465	717	14	eds	ed	NOUN
fsr-3465	717	15	)	)	PUNCT
fsr-3465	717	16	,	,	PUNCT
fsr-3465	717	17	handbook	handbook	NOUN
fsr-3465	717	18	of	of	ADP
fsr-3465	717	19	the	the	DET
fsr-3465	717	20	economics	economic	NOUN
fsr-3465	717	21	of	of	ADP
fsr-3465	717	22	finance	finance	NOUN
fsr-3465	717	23	(	(	PUNCT
fsr-3465	717	24	pp	pp	ADJ
fsr-3465	717	25	.	.	PUNCT
fsr-3465	717	26	493–572	493–572	NUM
fsr-3465	717	27	)	)	PUNCT
fsr-3465	717	28	.	.	PUNCT
fsr-3465	718	1	new	new	PROPN
fsr-3465	718	2	york	york	PROPN
fsr-3465	718	3	,	,	PUNCT
fsr-3465	718	4	ny	ny	PROPN
fsr-3465	718	5	:	:	PUNCT
fsr-3465	718	6	elsevier	elsevier	PROPN
fsr-3465	718	7	.	.	PUNCT
fsr-3465	719	1	toker	toker	PROPN
fsr-3465	719	2	asad	asad	PROPN
fsr-3465	719	3	,	,	PUNCT
fsr-3465	719	4	c.	c.	PROPN
fsr-3465	719	5	(	(	PUNCT
fsr-3465	719	6	2015	2015	NUM
fsr-3465	719	7	)	)	PUNCT
fsr-3465	719	8	.	.	PUNCT
fsr-3465	720	1	financial	financial	ADJ
fsr-3465	720	2	literacy	literacy	NOUN
fsr-3465	720	3	and	and	CCONJ
fsr-3465	720	4	financial	financial	ADJ
fsr-3465	720	5	behavior	behavior	NOUN
fsr-3465	720	6	:	:	PUNCT
fsr-3465	720	7	assessing	assess	VERB
fsr-3465	720	8	knowledge	knowledge	NOUN
fsr-3465	720	9	and	and	CCONJ
fsr-3465	720	10	confidence	confidence	NOUN
fsr-3465	720	11	.	.	PUNCT
fsr-3465	721	1	financial	financial	ADJ
fsr-3465	721	2	services	service	NOUN
fsr-3465	721	3	review	review	PROPN
fsr-3465	721	4	,	,	PUNCT
fsr-3465	721	5	24	24	NUM
fsr-3465	721	6	,	,	PUNCT
fsr-3465	721	7	101–117	101–117	NUM
fsr-3465	721	8	.	.	PUNCT
fsr-3465	722	1	j.	j.	PROPN
fsr-3465	722	2	handy	handy	PROPN
fsr-3465	722	3	et	et	PROPN
fsr-3465	722	4	al	al	PROPN
fsr-3465	722	5	.	.	PUNCT
fsr-3465	722	6	/	/	SYM
fsr-3465	722	7	financial	financial	ADJ
fsr-3465	722	8	services	service	NOUN
fsr-3465	722	9	review	review	VERB
fsr-3465	722	10	29	29	NUM
fsr-3465	722	11	(	(	PUNCT
fsr-3465	722	12	2021	2021	NUM
fsr-3465	722	13	)	)	PUNCT
fsr-3465	723	1	315–341	315–341	NUM
fsr-3465	723	2	341	341	NUM