id	sid	tid	token	lemma	pos
fsr-3470	1	1	mutual	mutual	ADJ
fsr-3470	1	2	fund	fund	NOUN
fsr-3470	1	3	knowledge	knowledge	NOUN
fsr-3470	1	4	assessment	assessment	NOUN
fsr-3470	1	5	for	for	ADP
fsr-3470	1	6	policy	policy	NOUN
fsr-3470	1	7	and	and	CCONJ
fsr-3470	1	8	decision	decision	NOUN
fsr-3470	1	9	problems	problem	NOUN
fsr-3470	1	10	brian	brian	PROPN
fsr-3470	1	11	scholl1	scholl1	PROPN
fsr-3470	1	12	,	,	PUNCT
fsr-3470	1	13	angela	angela	PROPN
fsr-3470	1	14	fontes2	fontes2	PROPN
fsr-3470	1	15	,	,	PUNCT
fsr-3470	1	16	*	*	PROPN
fsr-3470	2	1	1office	1office	NUM
fsr-3470	2	2	of	of	ADP
fsr-3470	2	3	the	the	DET
fsr-3470	2	4	investor	investor	NOUN
fsr-3470	2	5	advocate	advocate	NOUN
fsr-3470	2	6	,	,	PUNCT
fsr-3470	2	7	100	100	NUM
fsr-3470	2	8	f	f	PROPN
fsr-3470	2	9	street	street	PROPN
fsr-3470	2	10	ne	ne	PROPN
fsr-3470	2	11	,	,	PUNCT
fsr-3470	2	12	washington	washington	PROPN
fsr-3470	2	13	,	,	PUNCT
fsr-3470	2	14	dc	dc	PROPN
fsr-3470	2	15	20549	20549	NUM
fsr-3470	2	16	,	,	PUNCT
fsr-3470	2	17	usa	usa	PROPN
fsr-3470	2	18	2norc	2norc	PROPN
fsr-3470	2	19	at	at	ADP
fsr-3470	2	20	the	the	DET
fsr-3470	2	21	university	university	NOUN
fsr-3470	2	22	of	of	ADP
fsr-3470	2	23	chicago	chicago	PROPN
fsr-3470	2	24	,	,	PUNCT
fsr-3470	2	25	55	55	NUM
fsr-3470	2	26	east	east	NOUN
fsr-3470	2	27	monroe	monroe	PROPN
fsr-3470	2	28	,	,	PUNCT
fsr-3470	2	29	chicago	chicago	PROPN
fsr-3470	2	30	,	,	PUNCT
fsr-3470	2	31	il	il	PROPN
fsr-3470	2	32	60602	60602	NUM
fsr-3470	2	33	,	,	PUNCT
fsr-3470	2	34	usa	usa	PROPN
fsr-3470	2	35	abstract	abstract	ADJ
fsr-3470	2	36	we	we	PRON
fsr-3470	2	37	develop	develop	VERB
fsr-3470	2	38	a	a	DET
fsr-3470	2	39	measure	measure	NOUN
fsr-3470	2	40	of	of	ADP
fsr-3470	2	41	mutual	mutual	ADJ
fsr-3470	2	42	fund	fund	NOUN
fsr-3470	2	43	investment	investment	NOUN
fsr-3470	2	44	knowledge	knowledge	NOUN
fsr-3470	2	45	that	that	PRON
fsr-3470	2	46	complements	complement	VERB
fsr-3470	2	47	existing	exist	VERB
fsr-3470	2	48	financial	financial	ADJ
fsr-3470	2	49	literacy	literacy	NOUN
fsr-3470	2	50	measures	measure	NOUN
fsr-3470	2	51	.	.	PUNCT
fsr-3470	3	1	our	our	PRON
fsr-3470	3	2	question	question	NOUN
fsr-3470	3	3	battery	battery	NOUN
fsr-3470	3	4	was	be	AUX
fsr-3470	3	5	administered	administer	VERB
fsr-3470	3	6	to	to	ADP
fsr-3470	3	7	3,444	3,444	NUM
fsr-3470	3	8	survey	survey	NOUN
fsr-3470	3	9	respondents	respondent	NOUN
fsr-3470	3	10	.	.	PUNCT
fsr-3470	4	1	we	we	PRON
fsr-3470	4	2	validate	validate	VERB
fsr-3470	4	3	the	the	DET
fsr-3470	4	4	index	index	NOUN
fsr-3470	4	5	with	with	ADP
fsr-3470	4	6	factor	factor	NOUN
fsr-3470	4	7	analysis	analysis	NOUN
fsr-3470	4	8	identifying	identify	VERB
fsr-3470	4	9	two	two	NUM
fsr-3470	4	10	latent	latent	ADJ
fsr-3470	4	11	components	component	NOUN
fsr-3470	4	12	,	,	PUNCT
fsr-3470	4	13	and	and	CCONJ
fsr-3470	4	14	descriptive	descriptive	ADJ
fsr-3470	4	15	regressions	regression	NOUN
fsr-3470	4	16	demonstrating	demonstrate	VERB
fsr-3470	4	17	the	the	DET
fsr-3470	4	18	additive	additive	ADJ
fsr-3470	4	19	value	value	NOUN
fsr-3470	4	20	of	of	ADP
fsr-3470	4	21	our	our	PRON
fsr-3470	4	22	index	index	NOUN
fsr-3470	4	23	beyond	beyond	ADP
fsr-3470	4	24	general	general	ADJ
fsr-3470	4	25	financial	financial	ADJ
fsr-3470	4	26	literacy	literacy	NOUN
fsr-3470	4	27	in	in	ADP
fsr-3470	4	28	explaining	explain	VERB
fsr-3470	4	29	variation	variation	NOUN
fsr-3470	4	30	in	in	ADP
fsr-3470	4	31	financial	financial	ADJ
fsr-3470	4	32	well	well	NOUN
fsr-3470	4	33	-	-	PUNCT
fsr-3470	4	34	being	being	NOUN
fsr-3470	4	35	,	,	PUNCT
fsr-3470	4	36	investment	investment	NOUN
fsr-3470	4	37	ownership	ownership	NOUN
fsr-3470	4	38	,	,	PUNCT
fsr-3470	4	39	and	and	CCONJ
fsr-3470	4	40	fee	fee	NOUN
fsr-3470	4	41	calculation	calculation	NOUN
fsr-3470	4	42	proficiency	proficiency	NOUN
fsr-3470	4	43	.	.	PUNCT
fsr-3470	5	1	despite	despite	SCONJ
fsr-3470	5	2	mutual	mutual	ADJ
fsr-3470	5	3	funds	fund	NOUN
fsr-3470	5	4	’	'	PUNCT
fsr-3470	5	5	importance	importance	NOUN
fsr-3470	5	6	in	in	ADP
fsr-3470	5	7	household	household	NOUN
fsr-3470	5	8	savings	saving	NOUN
fsr-3470	5	9	,	,	PUNCT
fsr-3470	5	10	our	our	PRON
fsr-3470	5	11	index	index	NOUN
fsr-3470	5	12	suggests	suggest	VERB
fsr-3470	5	13	that	that	SCONJ
fsr-3470	5	14	the	the	DET
fsr-3470	5	15	public	public	NOUN
fsr-3470	5	16	lacks	lack	VERB
fsr-3470	5	17	adequate	adequate	ADJ
fsr-3470	5	18	understanding	understanding	NOUN
fsr-3470	5	19	of	of	ADP
fsr-3470	5	20	them	they	PRON
fsr-3470	5	21	.	.	PUNCT
fsr-3470	6	1	we	we	PRON
fsr-3470	6	2	demonstrate	demonstrate	VERB
fsr-3470	6	3	the	the	DET
fsr-3470	6	4	utility	utility	NOUN
fsr-3470	6	5	of	of	ADP
fsr-3470	6	6	our	our	PRON
fsr-3470	6	7	index	index	NOUN
fsr-3470	6	8	for	for	ADP
fsr-3470	6	9	studying	study	VERB
fsr-3470	6	10	selected	select	VERB
fsr-3470	6	11	decision	decision	NOUN
fsr-3470	6	12	and	and	CCONJ
fsr-3470	6	13	policy	policy	NOUN
fsr-3470	6	14	problems	problem	NOUN
fsr-3470	6	15	.	.	PUNCT
fsr-3470	7	1	©	©	ADP
fsr-3470	7	2	2022	2022	NUM
fsr-3470	7	3	academy	academy	NOUN
fsr-3470	7	4	of	of	ADP
fsr-3470	7	5	financial	financial	ADJ
fsr-3470	7	6	services	service	NOUN
fsr-3470	7	7	.	.	PUNCT
fsr-3470	8	1	all	all	DET
fsr-3470	8	2	rights	right	NOUN
fsr-3470	8	3	reserved	reserve	VERB
fsr-3470	8	4	.	.	PUNCT
fsr-3470	9	1	jel	jel	PROPN
fsr-3470	9	2	classification	classification	NOUN
fsr-3470	9	3	:	:	PUNCT
fsr-3470	9	4	g53	g53	NOUN
fsr-3470	9	5	(	(	PUNCT
fsr-3470	9	6	household	household	NOUN
fsr-3470	9	7	finance	finance	NOUN
fsr-3470	9	8	:	:	PUNCT
fsr-3470	9	9	financial	financial	ADJ
fsr-3470	9	10	literacy	literacy	NOUN
fsr-3470	9	11	)	)	PUNCT
fsr-3470	9	12	;	;	PUNCT
fsr-3470	9	13	g11	g11	X
fsr-3470	9	14	(	(	PUNCT
fsr-3470	9	15	portfolio	portfolio	NOUN
fsr-3470	9	16	choice	choice	NOUN
fsr-3470	9	17	;	;	PUNCT
fsr-3470	9	18	investment	investment	NOUN
fsr-3470	9	19	decisions	decision	NOUN
fsr-3470	9	20	)	)	PUNCT
fsr-3470	9	21	keywords	keyword	NOUN
fsr-3470	9	22	:	:	PUNCT
fsr-3470	9	23	financial	financial	ADJ
fsr-3470	9	24	literacy	literacy	NOUN
fsr-3470	9	25	;	;	PUNCT
fsr-3470	9	26	mutual	mutual	ADJ
fsr-3470	9	27	funds	fund	NOUN
fsr-3470	9	28	;	;	PUNCT
fsr-3470	9	29	investor	investor	NOUN
fsr-3470	9	30	decision	decision	NOUN
fsr-3470	9	31	-	-	PUNCT
fsr-3470	9	32	making	making	NOUN
fsr-3470	9	33	;	;	PUNCT
fsr-3470	9	34	measurement	measurement	NOUN
fsr-3470	9	35	;	;	PUNCT
fsr-3470	9	36	human	human	ADJ
fsr-3470	9	37	capital	capital	NOUN
fsr-3470	9	38	;	;	PUNCT
fsr-3470	9	39	knowledge	knowledge	NOUN
fsr-3470	9	40	;	;	PUNCT
fsr-3470	9	41	exchange	exchange	NOUN
fsr-3470	9	42	-	-	PUNCT
fsr-3470	9	43	traded	trade	VERB
fsr-3470	9	44	funds	fund	NOUN
fsr-3470	9	45	(	(	PUNCT
fsr-3470	9	46	etfs	etfs	PROPN
fsr-3470	9	47	)	)	PUNCT
fsr-3470	9	48	the	the	DET
fsr-3470	9	49	securities	securities	PROPN
fsr-3470	9	50	and	and	CCONJ
fsr-3470	9	51	exchange	exchange	PROPN
fsr-3470	9	52	commission	commission	NOUN
fsr-3470	9	53	disclaims	disclaim	VERB
fsr-3470	9	54	responsibility	responsibility	NOUN
fsr-3470	9	55	for	for	ADP
fsr-3470	9	56	any	any	DET
fsr-3470	9	57	private	private	ADJ
fsr-3470	9	58	publication	publication	NOUN
fsr-3470	9	59	or	or	CCONJ
fsr-3470	9	60	statement	statement	NOUN
fsr-3470	9	61	of	of	ADP
fsr-3470	9	62	any	any	DET
fsr-3470	9	63	commission	commission	NOUN
fsr-3470	9	64	employee	employee	NOUN
fsr-3470	9	65	or	or	CCONJ
fsr-3470	9	66	commissioner	commissioner	NOUN
fsr-3470	9	67	.	.	PUNCT
fsr-3470	10	1	the	the	DET
fsr-3470	10	2	commission	commission	NOUN
fsr-3470	10	3	has	have	AUX
fsr-3470	10	4	expressed	express	VERB
fsr-3470	10	5	no	no	DET
fsr-3470	10	6	view	view	NOUN
fsr-3470	10	7	regarding	regard	VERB
fsr-3470	10	8	the	the	DET
fsr-3470	10	9	data	datum	NOUN
fsr-3470	10	10	,	,	PUNCT
fsr-3470	10	11	analyses	analysis	NOUN
fsr-3470	10	12	,	,	PUNCT
fsr-3470	10	13	findings	finding	NOUN
fsr-3470	10	14	,	,	PUNCT
fsr-3470	10	15	and	and	CCONJ
fsr-3470	10	16	conclusions	conclusion	NOUN
fsr-3470	10	17	contained	contain	VERB
fsr-3470	10	18	in	in	ADP
fsr-3470	10	19	this	this	DET
fsr-3470	10	20	publication	publication	NOUN
fsr-3470	10	21	,	,	PUNCT
fsr-3470	10	22	which	which	PRON
fsr-3470	10	23	does	do	AUX
fsr-3470	10	24	not	not	PART
fsr-3470	10	25	necessarily	necessarily	ADV
fsr-3470	10	26	reflect	reflect	VERB
fsr-3470	10	27	the	the	DET
fsr-3470	10	28	views	view	NOUN
fsr-3470	10	29	of	of	ADP
fsr-3470	10	30	the	the	DET
fsr-3470	10	31	commission	commission	NOUN
fsr-3470	10	32	,	,	PUNCT
fsr-3470	10	33	the	the	DET
fsr-3470	10	34	commissioners	commissioner	NOUN
fsr-3470	10	35	,	,	PUNCT
fsr-3470	10	36	or	or	CCONJ
fsr-3470	10	37	staff	staff	NOUN
fsr-3470	10	38	of	of	ADP
fsr-3470	10	39	the	the	DET
fsr-3470	10	40	commission	commission	NOUN
fsr-3470	10	41	.	.	PUNCT
fsr-3470	11	1	this	this	DET
fsr-3470	11	2	paper	paper	NOUN
fsr-3470	11	3	is	be	AUX
fsr-3470	11	4	part	part	NOUN
fsr-3470	11	5	of	of	ADP
fsr-3470	11	6	a	a	DET
fsr-3470	11	7	series	series	NOUN
fsr-3470	11	8	of	of	ADP
fsr-3470	11	9	papers	paper	NOUN
fsr-3470	11	10	that	that	SCONJ
fsr-3470	11	11	the	the	DET
fsr-3470	11	12	office	office	NOUN
fsr-3470	11	13	of	of	ADP
fsr-3470	11	14	the	the	DET
fsr-3470	11	15	investor	investor	NOUN
fsr-3470	11	16	advocate	advocate	NOUN
fsr-3470	11	17	is	be	AUX
fsr-3470	11	18	publishing	publish	VERB
fsr-3470	11	19	.	.	PUNCT
fsr-3470	12	1	papers	paper	NOUN
fsr-3470	12	2	in	in	ADP
fsr-3470	12	3	this	this	DET
fsr-3470	12	4	series	series	NOUN
fsr-3470	12	5	investigate	investigate	VERB
fsr-3470	12	6	a	a	DET
fsr-3470	12	7	broad	broad	ADJ
fsr-3470	12	8	range	range	NOUN
fsr-3470	12	9	of	of	ADP
fsr-3470	12	10	issues	issue	NOUN
fsr-3470	12	11	relevant	relevant	ADJ
fsr-3470	12	12	to	to	ADP
fsr-3470	12	13	the	the	DET
fsr-3470	12	14	commission	commission	NOUN
fsr-3470	12	15	’s	’s	PART
fsr-3470	12	16	mission	mission	NOUN
fsr-3470	12	17	and	and	CCONJ
fsr-3470	12	18	are	be	AUX
fsr-3470	12	19	disseminated	disseminate	VERB
fsr-3470	12	20	to	to	PART
fsr-3470	12	21	stimulate	stimulate	VERB
fsr-3470	12	22	discussion	discussion	NOUN
fsr-3470	12	23	and	and	CCONJ
fsr-3470	12	24	critical	critical	ADJ
fsr-3470	12	25	comment	comment	NOUN
fsr-3470	12	26	.	.	PUNCT
fsr-3470	13	1	inclusion	inclusion	NOUN
fsr-3470	13	2	of	of	ADP
fsr-3470	13	3	a	a	DET
fsr-3470	13	4	paper	paper	NOUN
fsr-3470	13	5	in	in	ADP
fsr-3470	13	6	this	this	DET
fsr-3470	13	7	series	series	NOUN
fsr-3470	13	8	does	do	AUX
fsr-3470	13	9	not	not	PART
fsr-3470	13	10	indicate	indicate	VERB
fsr-3470	13	11	a	a	DET
fsr-3470	13	12	commission	commission	NOUN
fsr-3470	13	13	determination	determination	NOUN
fsr-3470	13	14	to	to	PART
fsr-3470	13	15	take	take	VERB
fsr-3470	13	16	any	any	DET
fsr-3470	13	17	particular	particular	ADJ
fsr-3470	13	18	action	action	NOUN
fsr-3470	13	19	.	.	PUNCT
fsr-3470	14	1	*	*	PUNCT
fsr-3470	14	2	corresponding	correspond	VERB
fsr-3470	14	3	author	author	NOUN
fsr-3470	14	4	.	.	PUNCT
fsr-3470	15	1	tel	tel	PROPN
fsr-3470	15	2	.	.	PUNCT
fsr-3470	15	3	:	:	PUNCT
fsr-3470	16	1	+1	+1	PROPN
fsr-3470	16	2	-	-	PUNCT
fsr-3470	16	3	608	608	NUM
fsr-3470	16	4	-	-	PUNCT
fsr-3470	16	5	630	630	NUM
fsr-3470	16	6	-	-	PUNCT
fsr-3470	16	7	1373	1373	NUM
fsr-3470	16	8	.	.	PUNCT
fsr-3470	17	1	e	e	X
fsr-3470	17	2	-	-	NOUN
fsr-3470	17	3	mail	mail	NOUN
fsr-3470	17	4	address	address	NOUN
fsr-3470	17	5	:	:	PUNCT
fsr-3470	17	6	angela@fontesresearch.com	angela@fontesresearch.com	X
fsr-3470	17	7	1057	1057	NUM
fsr-3470	17	8	-	-	SYM
fsr-3470	17	9	0810/22/$	0810/22/$	NUM
fsr-3470	17	10	–	–	PUNCT
fsr-3470	17	11	see	see	VERB
fsr-3470	17	12	front	front	ADJ
fsr-3470	17	13	matter	matter	NOUN
fsr-3470	17	14	©	©	PROPN
fsr-3470	17	15	2022	2022	NUM
fsr-3470	17	16	academy	academy	NOUN
fsr-3470	17	17	of	of	ADP
fsr-3470	17	18	financial	financial	ADJ
fsr-3470	17	19	services	service	NOUN
fsr-3470	17	20	.	.	PUNCT
fsr-3470	18	1	all	all	DET
fsr-3470	18	2	rights	right	NOUN
fsr-3470	18	3	reserved	reserve	VERB
fsr-3470	18	4	.	.	PUNCT
fsr-3470	19	1	financial	financial	ADJ
fsr-3470	19	2	services	service	NOUN
fsr-3470	19	3	review	review	VERB
fsr-3470	19	4	30	30	NUM
fsr-3470	19	5	(	(	PUNCT
fsr-3470	19	6	2022	2022	NUM
fsr-3470	19	7	)	)	PUNCT
fsr-3470	19	8	31–56	31–56	NUM
fsr-3470	19	9	1	1	X
fsr-3470	19	10	.	.	PUNCT
fsr-3470	20	1	introduction	introduction	NOUN
fsr-3470	20	2	mutual	mutual	ADJ
fsr-3470	20	3	funds	fund	NOUN
fsr-3470	20	4	are	be	AUX
fsr-3470	20	5	extremely	extremely	ADV
fsr-3470	20	6	important	important	ADJ
fsr-3470	20	7	to	to	ADP
fsr-3470	20	8	household	household	NOUN
fsr-3470	20	9	investment	investment	NOUN
fsr-3470	20	10	portfolios	portfolio	NOUN
fsr-3470	20	11	,	,	PUNCT
fsr-3470	20	12	potentially	potentially	ADV
fsr-3470	20	13	providing	provide	VERB
fsr-3470	20	14	well	well	ADV
fsr-3470	20	15	-	-	PUNCT
fsr-3470	20	16	diversified	diversify	VERB
fsr-3470	20	17	investment	investment	NOUN
fsr-3470	20	18	management	management	NOUN
fsr-3470	20	19	options	option	NOUN
fsr-3470	20	20	for	for	ADP
fsr-3470	20	21	most	most	ADJ
fsr-3470	20	22	investors	investor	NOUN
fsr-3470	20	23	,	,	PUNCT
fsr-3470	20	24	and	and	CCONJ
fsr-3470	20	25	serving	serve	VERB
fsr-3470	20	26	as	as	ADP
fsr-3470	20	27	the	the	DET
fsr-3470	20	28	main	main	ADJ
fsr-3470	20	29	investment	investment	NOUN
fsr-3470	20	30	vehicle	vehicle	NOUN
fsr-3470	20	31	in	in	ADP
fsr-3470	20	32	retirement	retirement	NOUN
fsr-3470	20	33	and	and	CCONJ
fsr-3470	20	34	educational	educational	ADJ
fsr-3470	20	35	savings	saving	NOUN
fsr-3470	20	36	accounts.1	accounts.1	PROPN
fsr-3470	20	37	with	with	SCONJ
fsr-3470	20	38	the	the	DET
fsr-3470	20	39	transition	transition	NOUN
fsr-3470	20	40	to	to	ADP
fsr-3470	20	41	defined	define	VERB
fsr-3470	20	42	contribution	contribution	NOUN
fsr-3470	20	43	retirement	retirement	NOUN
fsr-3470	20	44	plans	plan	NOUN
fsr-3470	20	45	well	well	ADV
fsr-3470	20	46	underway	underway	ADJ
fsr-3470	20	47	,	,	PUNCT
fsr-3470	20	48	nearly	nearly	ADV
fsr-3470	20	49	80	80	NUM
fsr-3470	20	50	%	%	NOUN
fsr-3470	20	51	of	of	ADP
fsr-3470	20	52	investors	investor	NOUN
fsr-3470	20	53	hold	hold	VERB
fsr-3470	20	54	employer	employer	NOUN
fsr-3470	20	55	-	-	PUNCT
fsr-3470	20	56	sponsored	sponsor	VERB
fsr-3470	20	57	retirement	retirement	NOUN
fsr-3470	20	58	plans	plan	NOUN
fsr-3470	20	59	,	,	PUNCT
fsr-3470	20	60	putting	put	VERB
fsr-3470	20	61	the	the	DET
fsr-3470	20	62	onus	onus	NOUN
fsr-3470	20	63	of	of	ADP
fsr-3470	20	64	investment	investment	NOUN
fsr-3470	20	65	management	management	NOUN
fsr-3470	20	66	largely	largely	ADV
fsr-3470	20	67	on	on	ADP
fsr-3470	20	68	individuals	individual	NOUN
fsr-3470	20	69	themselves	themselves	PRON
fsr-3470	20	70	.	.	PUNCT
fsr-3470	21	1	the	the	DET
fsr-3470	21	2	majority	majority	NOUN
fsr-3470	21	3	of	of	ADP
fsr-3470	21	4	these	these	DET
fsr-3470	21	5	individuals	individual	NOUN
fsr-3470	21	6	report	report	VERB
fsr-3470	21	7	ownership	ownership	NOUN
fsr-3470	21	8	of	of	ADP
fsr-3470	21	9	mutual	mutual	ADJ
fsr-3470	21	10	funds	fund	NOUN
fsr-3470	21	11	and	and	CCONJ
fsr-3470	21	12	exchange	exchange	NOUN
fsr-3470	21	13	traded	trade	VERB
fsr-3470	21	14	funds	fund	NOUN
fsr-3470	21	15	(	(	PUNCT
fsr-3470	21	16	etfs)—with	etfs)—with	ADP
fsr-3470	21	17	more	more	ADJ
fsr-3470	21	18	investors	investor	NOUN
fsr-3470	21	19	reporting	report	VERB
fsr-3470	21	20	ownership	ownership	NOUN
fsr-3470	21	21	of	of	ADP
fsr-3470	21	22	funds	fund	NOUN
fsr-3470	21	23	than	than	ADP
fsr-3470	21	24	stocks	stock	NOUN
fsr-3470	21	25	and	and	CCONJ
fsr-3470	21	26	bonds	bond	NOUN
fsr-3470	21	27	combined	combine	VERB
fsr-3470	21	28	;	;	PUNCT
fsr-3470	21	29	some	some	DET
fsr-3470	21	30	estimates	estimate	NOUN
fsr-3470	21	31	suggest	suggest	VERB
fsr-3470	21	32	that	that	SCONJ
fsr-3470	21	33	the	the	DET
fsr-3470	21	34	number	number	NOUN
fsr-3470	21	35	of	of	ADP
fsr-3470	21	36	individual	individual	ADJ
fsr-3470	21	37	mutual	mutual	ADJ
fsr-3470	21	38	fund	fund	NOUN
fsr-3470	21	39	shareholders	shareholder	NOUN
fsr-3470	21	40	was	be	AUX
fsr-3470	21	41	99.5	99.5	NUM
fsr-3470	21	42	million	million	NUM
fsr-3470	21	43	in	in	ADP
fsr-3470	21	44	2018	2018	NUM
fsr-3470	21	45	(	(	PUNCT
fsr-3470	21	46	ici	ici	PROPN
fsr-3470	21	47	,	,	PUNCT
fsr-3470	21	48	2010	2010	NUM
fsr-3470	21	49	,	,	PUNCT
fsr-3470	21	50	2018).2	2018).2	NUM
fsr-3470	21	51	although	although	SCONJ
fsr-3470	21	52	mutual	mutual	ADJ
fsr-3470	21	53	funds	fund	NOUN
fsr-3470	21	54	are	be	AUX
fsr-3470	21	55	often	often	ADV
fsr-3470	21	56	targeted	target	VERB
fsr-3470	21	57	towards	towards	ADP
fsr-3470	21	58	individual	individual	ADJ
fsr-3470	21	59	investors	investor	NOUN
fsr-3470	21	60	,	,	PUNCT
fsr-3470	21	61	their	their	PRON
fsr-3470	21	62	complexity	complexity	NOUN
fsr-3470	21	63	may	may	AUX
fsr-3470	21	64	be	be	AUX
fsr-3470	21	65	an	an	DET
fsr-3470	21	66	obstacle	obstacle	NOUN
fsr-3470	21	67	that	that	PRON
fsr-3470	21	68	inhibits	inhibit	VERB
fsr-3470	21	69	investor	investor	NOUN
fsr-3470	21	70	choice	choice	NOUN
fsr-3470	21	71	.	.	PUNCT
fsr-3470	22	1	to	to	PART
fsr-3470	22	2	better	well	ADV
fsr-3470	22	3	understand	understand	VERB
fsr-3470	22	4	the	the	DET
fsr-3470	22	5	precise	precise	ADJ
fsr-3470	22	6	knowledge	knowledge	NOUN
fsr-3470	22	7	gaps	gap	NOUN
fsr-3470	22	8	that	that	PRON
fsr-3470	22	9	may	may	AUX
fsr-3470	22	10	lead	lead	VERB
fsr-3470	22	11	to	to	ADP
fsr-3470	22	12	potential	potential	ADJ
fsr-3470	22	13	investor	investor	NOUN
fsr-3470	22	14	decision	decision	NOUN
fsr-3470	22	15	pitfalls	pitfall	NOUN
fsr-3470	22	16	,	,	PUNCT
fsr-3470	22	17	we	we	PRON
fsr-3470	22	18	develop	develop	VERB
fsr-3470	22	19	an	an	DET
fsr-3470	22	20	easily	easily	ADV
fsr-3470	22	21	deployable	deployable	ADJ
fsr-3470	22	22	and	and	CCONJ
fsr-3470	22	23	respondent	respondent	NOUN
fsr-3470	22	24	-	-	PUNCT
fsr-3470	22	25	friendly	friendly	ADJ
fsr-3470	22	26	battery	battery	NOUN
fsr-3470	22	27	of	of	ADP
fsr-3470	22	28	11	11	NUM
fsr-3470	22	29	true	true	ADJ
fsr-3470	22	30	-	-	PUNCT
fsr-3470	22	31	false	false	ADJ
fsr-3470	22	32	technical	technical	ADJ
fsr-3470	22	33	mutual	mutual	ADJ
fsr-3470	22	34	fund	fund	NOUN
fsr-3470	22	35	questions	question	NOUN
fsr-3470	22	36	that	that	PRON
fsr-3470	22	37	allows	allow	VERB
fsr-3470	22	38	us	we	PRON
fsr-3470	22	39	to	to	PART
fsr-3470	22	40	measure	measure	VERB
fsr-3470	22	41	respondent	respondent	ADJ
fsr-3470	22	42	knowledge	knowledge	NOUN
fsr-3470	22	43	of	of	ADP
fsr-3470	22	44	key	key	ADJ
fsr-3470	22	45	concepts	concept	NOUN
fsr-3470	22	46	important	important	ADJ
fsr-3470	22	47	to	to	ADP
fsr-3470	22	48	investment	investment	NOUN
fsr-3470	22	49	decision	decision	NOUN
fsr-3470	22	50	making	making	NOUN
fsr-3470	22	51	.	.	PUNCT
fsr-3470	23	1	our	our	PRON
fsr-3470	23	2	battery	battery	NOUN
fsr-3470	23	3	is	be	AUX
fsr-3470	23	4	the	the	DET
fsr-3470	23	5	result	result	NOUN
fsr-3470	23	6	of	of	ADP
fsr-3470	23	7	extensive	extensive	ADJ
fsr-3470	23	8	input	input	NOUN
fsr-3470	23	9	from	from	ADP
fsr-3470	23	10	extant	extant	ADJ
fsr-3470	23	11	literature	literature	NOUN
fsr-3470	23	12	,	,	PUNCT
fsr-3470	23	13	financial	financial	ADJ
fsr-3470	23	14	regulators	regulator	NOUN
fsr-3470	23	15	,	,	PUNCT
fsr-3470	23	16	a	a	DET
fsr-3470	23	17	close	close	ADJ
fsr-3470	23	18	reading	reading	NOUN
fsr-3470	23	19	of	of	ADP
fsr-3470	23	20	the	the	DET
fsr-3470	23	21	mandated	mandate	VERB
fsr-3470	23	22	disclosure	disclosure	NOUN
fsr-3470	23	23	documents	document	NOUN
fsr-3470	23	24	intended	intend	VERB
fsr-3470	23	25	to	to	PART
fsr-3470	23	26	communicate	communicate	VERB
fsr-3470	23	27	important	important	ADJ
fsr-3470	23	28	product	product	NOUN
fsr-3470	23	29	features	feature	NOUN
fsr-3470	23	30	to	to	ADP
fsr-3470	23	31	investors	investor	NOUN
fsr-3470	23	32	,	,	PUNCT
fsr-3470	23	33	substantial	substantial	ADJ
fsr-3470	23	34	cognitive	cognitive	ADJ
fsr-3470	23	35	interviewing	interviewing	NOUN
fsr-3470	23	36	,	,	PUNCT
fsr-3470	23	37	multiple	multiple	ADJ
fsr-3470	23	38	rounds	round	NOUN
fsr-3470	23	39	of	of	ADP
fsr-3470	23	40	testing	testing	NOUN
fsr-3470	23	41	,	,	PUNCT
fsr-3470	23	42	and	and	CCONJ
fsr-3470	23	43	considerable	considerable	ADJ
fsr-3470	23	44	data	datum	NOUN
fsr-3470	23	45	analysis	analysis	NOUN
fsr-3470	23	46	following	follow	VERB
fsr-3470	23	47	standard	standard	ADJ
fsr-3470	23	48	practice	practice	NOUN
fsr-3470	23	49	in	in	ADP
fsr-3470	23	50	index	index	NOUN
fsr-3470	23	51	development	development	NOUN
fsr-3470	23	52	(	(	PUNCT
fsr-3470	23	53	in	in	ADP
fsr-3470	23	54	particular	particular	ADJ
fsr-3470	23	55	,	,	PUNCT
fsr-3470	23	56	see	see	VERB
fsr-3470	23	57	devellis	develli	NOUN
fsr-3470	23	58	,	,	PUNCT
fsr-3470	23	59	2016	2016	NUM
fsr-3470	23	60	)	)	PUNCT
fsr-3470	23	61	.	.	PUNCT
fsr-3470	24	1	administration	administration	NOUN
fsr-3470	24	2	is	be	AUX
fsr-3470	24	3	comprised	comprise	VERB
fsr-3470	24	4	of	of	ADP
fsr-3470	24	5	a	a	DET
fsr-3470	24	6	set	set	NOUN
fsr-3470	24	7	of	of	ADP
fsr-3470	24	8	progressively	progressively	ADV
fsr-3470	24	9	more	more	ADV
fsr-3470	24	10	complicated	complicated	ADJ
fsr-3470	24	11	technical	technical	ADJ
fsr-3470	24	12	questions	question	NOUN
fsr-3470	24	13	that	that	PRON
fsr-3470	24	14	seek	seek	VERB
fsr-3470	24	15	to	to	PART
fsr-3470	24	16	test	test	VERB
fsr-3470	24	17	knowledge	knowledge	NOUN
fsr-3470	24	18	of	of	ADP
fsr-3470	24	19	basic	basic	ADJ
fsr-3470	24	20	concepts	concept	NOUN
fsr-3470	24	21	such	such	ADJ
fsr-3470	24	22	as	as	ADP
fsr-3470	24	23	risk	risk	NOUN
fsr-3470	24	24	,	,	PUNCT
fsr-3470	24	25	fees	fee	NOUN
fsr-3470	24	26	,	,	PUNCT
fsr-3470	24	27	regulatory	regulatory	ADJ
fsr-3470	24	28	protections	protection	NOUN
fsr-3470	24	29	,	,	PUNCT
fsr-3470	24	30	marketplace	marketplace	NOUN
fsr-3470	24	31	characteristics	characteristic	NOUN
fsr-3470	24	32	and	and	CCONJ
fsr-3470	24	33	performance	performance	NOUN
fsr-3470	24	34	.	.	PUNCT
fsr-3470	25	1	we	we	PRON
fsr-3470	25	2	field	field	VERB
fsr-3470	25	3	the	the	DET
fsr-3470	25	4	battery	battery	NOUN
fsr-3470	25	5	on	on	ADP
fsr-3470	25	6	a	a	DET
fsr-3470	25	7	large	large	ADJ
fsr-3470	25	8	,	,	PUNCT
fsr-3470	25	9	nationally	nationally	ADV
fsr-3470	25	10	representative	representative	NOUN
fsr-3470	25	11	,	,	PUNCT
fsr-3470	25	12	probability	probability	NOUN
fsr-3470	25	13	-	-	PUNCT
fsr-3470	25	14	based	base	VERB
fsr-3470	25	15	panel	panel	NOUN
fsr-3470	25	16	,	,	PUNCT
fsr-3470	25	17	allowing	allow	VERB
fsr-3470	25	18	us	we	PRON
fsr-3470	25	19	to	to	PART
fsr-3470	25	20	provide	provide	VERB
fsr-3470	25	21	a	a	DET
fsr-3470	25	22	broad	broad	ADJ
fsr-3470	25	23	perspective	perspective	NOUN
fsr-3470	25	24	on	on	ADP
fsr-3470	25	25	u.s	u.s	PROPN
fsr-3470	25	26	.	.	PROPN
fsr-3470	25	27	households	household	NOUN
fsr-3470	25	28	.	.	PUNCT
fsr-3470	26	1	to	to	PART
fsr-3470	26	2	summarize	summarize	VERB
fsr-3470	26	3	respondent	respondent	NOUN
fsr-3470	26	4	knowledge	knowledge	NOUN
fsr-3470	26	5	,	,	PUNCT
fsr-3470	26	6	we	we	PRON
fsr-3470	26	7	use	use	VERB
fsr-3470	26	8	these	these	DET
fsr-3470	26	9	individual	individual	ADJ
fsr-3470	26	10	questions	question	NOUN
fsr-3470	26	11	to	to	PART
fsr-3470	26	12	construct	construct	VERB
fsr-3470	26	13	a	a	DET
fsr-3470	26	14	simple	simple	ADJ
fsr-3470	26	15	index	index	NOUN
fsr-3470	26	16	that	that	PRON
fsr-3470	26	17	well	well	ADV
fsr-3470	26	18	-	-	PUNCT
fsr-3470	26	19	encapsulates	encapsulate	VERB
fsr-3470	26	20	the	the	DET
fsr-3470	26	21	level	level	NOUN
fsr-3470	26	22	of	of	ADP
fsr-3470	26	23	technical	technical	ADJ
fsr-3470	26	24	mutual	mutual	ADJ
fsr-3470	26	25	fund	fund	NOUN
fsr-3470	26	26	knowledge	knowledge	NOUN
fsr-3470	26	27	of	of	ADP
fsr-3470	26	28	the	the	DET
fsr-3470	26	29	investing	investing	NOUN
fsr-3470	26	30	public	public	NOUN
fsr-3470	26	31	.	.	PUNCT
fsr-3470	27	1	we	we	PRON
fsr-3470	27	2	believe	believe	VERB
fsr-3470	27	3	our	our	PRON
fsr-3470	27	4	index	index	NOUN
fsr-3470	27	5	is	be	AUX
fsr-3470	27	6	highly	highly	ADV
fsr-3470	27	7	useful	useful	ADJ
fsr-3470	27	8	in	in	ADP
fsr-3470	27	9	the	the	DET
fsr-3470	27	10	context	context	NOUN
fsr-3470	27	11	of	of	ADP
fsr-3470	27	12	regulatory	regulatory	ADJ
fsr-3470	27	13	policy	policy	NOUN
fsr-3470	27	14	and	and	CCONJ
fsr-3470	27	15	academic	academic	ADJ
fsr-3470	27	16	work	work	NOUN
fsr-3470	27	17	on	on	ADP
fsr-3470	27	18	investor	investor	NOUN
fsr-3470	27	19	decision	decision	NOUN
fsr-3470	27	20	making	making	NOUN
fsr-3470	27	21	.	.	PUNCT
fsr-3470	28	1	policymakers	policymaker	NOUN
fsr-3470	28	2	have	have	VERB
fsr-3470	28	3	an	an	DET
fsr-3470	28	4	interest	interest	NOUN
fsr-3470	28	5	in	in	ADP
fsr-3470	28	6	making	make	VERB
fsr-3470	28	7	sure	sure	ADJ
fsr-3470	28	8	mutual	mutual	ADJ
fsr-3470	28	9	fund	fund	NOUN
fsr-3470	28	10	products	product	NOUN
fsr-3470	28	11	work	work	VERB
fsr-3470	28	12	as	as	SCONJ
fsr-3470	28	13	intended	intend	VERB
fsr-3470	28	14	so	so	SCONJ
fsr-3470	28	15	that	that	SCONJ
fsr-3470	28	16	investors	investor	NOUN
fsr-3470	28	17	achieve	achieve	VERB
fsr-3470	28	18	their	their	PRON
fsr-3470	28	19	investment	investment	NOUN
fsr-3470	28	20	goals	goal	NOUN
fsr-3470	28	21	,	,	PUNCT
fsr-3470	28	22	with	with	ADP
fsr-3470	28	23	investor	investor	NOUN
fsr-3470	28	24	protection	protection	NOUN
fsr-3470	28	25	one	one	NUM
fsr-3470	28	26	of	of	ADP
fsr-3470	28	27	the	the	DET
fsr-3470	28	28	main	main	ADJ
fsr-3470	28	29	goals	goal	NOUN
fsr-3470	28	30	of	of	ADP
fsr-3470	28	31	the	the	DET
fsr-3470	28	32	u.s	u.s	PROPN
fsr-3470	28	33	.	.	PROPN
fsr-3470	28	34	securities	securities	PROPN
fsr-3470	28	35	and	and	CCONJ
fsr-3470	28	36	exchange	exchange	PROPN
fsr-3470	28	37	commission	commission	PROPN
fsr-3470	28	38	(	(	PUNCT
fsr-3470	28	39	sec	sec	PROPN
fsr-3470	28	40	)	)	PUNCT
fsr-3470	28	41	,	,	PUNCT
fsr-3470	28	42	the	the	DET
fsr-3470	28	43	body	body	NOUN
fsr-3470	28	44	that	that	PRON
fsr-3470	28	45	regulates	regulate	VERB
fsr-3470	28	46	mutual	mutual	ADJ
fsr-3470	28	47	funds.3	funds.3	ADJ
fsr-3470	28	48	regulators	regulator	NOUN
fsr-3470	28	49	operationalize	operationalize	VERB
fsr-3470	28	50	policies	policy	NOUN
fsr-3470	28	51	that	that	PRON
fsr-3470	28	52	advance	advance	VERB
fsr-3470	28	53	this	this	DET
fsr-3470	28	54	goal	goal	NOUN
fsr-3470	28	55	with	with	ADP
fsr-3470	28	56	rules	rule	NOUN
fsr-3470	28	57	limiting	limit	VERB
fsr-3470	28	58	or	or	CCONJ
fsr-3470	28	59	prohibiting	prohibit	VERB
fsr-3470	28	60	certain	certain	ADJ
fsr-3470	28	61	activity	activity	NOUN
fsr-3470	28	62	and	and	CCONJ
fsr-3470	28	63	(	(	PUNCT
fsr-3470	28	64	perhaps	perhaps	ADV
fsr-3470	28	65	most	most	ADV
fsr-3470	28	66	importantly	importantly	ADV
fsr-3470	28	67	)	)	PUNCT
fsr-3470	28	68	by	by	ADP
fsr-3470	28	69	mandating	mandate	VERB
fsr-3470	28	70	disclosures	disclosure	NOUN
fsr-3470	28	71	that	that	PRON
fsr-3470	28	72	provide	provide	VERB
fsr-3470	28	73	transparency	transparency	NOUN
fsr-3470	28	74	about	about	ADP
fsr-3470	28	75	decision	decision	NOUN
fsr-3470	28	76	-	-	PUNCT
fsr-3470	28	77	relevant	relevant	ADJ
fsr-3470	28	78	features	feature	NOUN
fsr-3470	28	79	such	such	ADJ
fsr-3470	28	80	as	as	ADP
fsr-3470	28	81	fees	fee	NOUN
fsr-3470	28	82	and	and	CCONJ
fsr-3470	28	83	risks	risk	NOUN
fsr-3470	28	84	,	,	PUNCT
fsr-3470	28	85	which	which	PRON
fsr-3470	28	86	can	can	AUX
fsr-3470	28	87	facilitate	facilitate	VERB
fsr-3470	28	88	informed	informed	ADJ
fsr-3470	28	89	investor	investor	NOUN
fsr-3470	28	90	decision	decision	NOUN
fsr-3470	28	91	making.3	making.3	PROPN
fsr-3470	28	92	the	the	DET
fsr-3470	28	93	interrelated	interrelated	ADJ
fsr-3470	28	94	nature	nature	NOUN
fsr-3470	28	95	of	of	ADP
fsr-3470	28	96	financial	financial	ADJ
fsr-3470	28	97	knowledge	knowledge	NOUN
fsr-3470	28	98	and	and	CCONJ
fsr-3470	28	99	disclosure	disclosure	NOUN
fsr-3470	28	100	is	be	AUX
fsr-3470	28	101	highlighted	highlight	VERB
fsr-3470	28	102	by	by	ADP
fsr-3470	28	103	u.	u.	PROPN
fsr-3470	28	104	s.	s.	PROPN
fsr-3470	28	105	securities	securities	PROPN
fsr-3470	28	106	&	&	CCONJ
fsr-3470	28	107	exchange	exchange	PROPN
fsr-3470	28	108	commission	commission	PROPN
fsr-3470	28	109	(	(	PUNCT
fsr-3470	28	110	2012	2012	NUM
fsr-3470	28	111	)	)	PUNCT
fsr-3470	28	112	,	,	PUNCT
fsr-3470	28	113	a	a	DET
fsr-3470	28	114	sec	sec	PROPN
fsr-3470	28	115	staff	staff	NOUN
fsr-3470	28	116	report	report	NOUN
fsr-3470	28	117	on	on	ADP
fsr-3470	28	118	financial	financial	ADJ
fsr-3470	28	119	literacy	literacy	NOUN
fsr-3470	28	120	mandated	mandate	VERB
fsr-3470	28	121	by	by	ADP
fsr-3470	28	122	congress	congress	PROPN
fsr-3470	28	123	as	as	ADP
fsr-3470	28	124	part	part	NOUN
fsr-3470	28	125	of	of	ADP
fsr-3470	28	126	the	the	DET
fsr-3470	28	127	dodd	dodd	PROPN
fsr-3470	28	128	-	-	PUNCT
fsr-3470	28	129	frank	frank	PROPN
fsr-3470	28	130	act	act	PROPN
fsr-3470	28	131	;	;	PUNCT
fsr-3470	28	132	the	the	DET
fsr-3470	28	133	report	report	NOUN
fsr-3470	28	134	notes	note	VERB
fsr-3470	28	135	troubling	troubling	ADJ
fsr-3470	28	136	disparities	disparity	NOUN
fsr-3470	28	137	in	in	ADP
fsr-3470	28	138	knowledge	knowledge	NOUN
fsr-3470	28	139	,	,	PUNCT
fsr-3470	28	140	particularly	particularly	ADV
fsr-3470	28	141	in	in	ADP
fsr-3470	28	142	selected	select	VERB
fsr-3470	28	143	demographic	demographic	ADJ
fsr-3470	28	144	groups	group	NOUN
fsr-3470	28	145	,	,	PUNCT
fsr-3470	28	146	but	but	CCONJ
fsr-3470	28	147	also	also	ADV
fsr-3470	28	148	responds	respond	VERB
fsr-3470	28	149	at	at	ADP
fsr-3470	28	150	length	length	NOUN
fsr-3470	28	151	to	to	ADP
fsr-3470	28	152	specific	specific	ADJ
fsr-3470	28	153	congressional	congressional	ADJ
fsr-3470	28	154	mandates	mandate	NOUN
fsr-3470	28	155	to	to	PART
fsr-3470	28	156	probe	probe	VERB
fsr-3470	28	157	into	into	ADP
fsr-3470	28	158	highly	highly	ADV
fsr-3470	28	159	related	relate	VERB
fsr-3470	28	160	issues	issue	NOUN
fsr-3470	28	161	in	in	ADP
fsr-3470	28	162	disclosure	disclosure	NOUN
fsr-3470	28	163	.	.	PUNCT
fsr-3470	29	1	in	in	ADP
fsr-3470	29	2	a	a	DET
fsr-3470	29	3	disclosure	disclosure	NOUN
fsr-3470	29	4	-	-	PUNCT
fsr-3470	29	5	centric	centric	ADJ
fsr-3470	29	6	regulatory	regulatory	ADJ
fsr-3470	29	7	regime	regime	NOUN
fsr-3470	29	8	,	,	PUNCT
fsr-3470	29	9	the	the	DET
fsr-3470	29	10	burden	burden	NOUN
fsr-3470	29	11	of	of	ADP
fsr-3470	29	12	choosing	choose	VERB
fsr-3470	29	13	investments	investment	NOUN
fsr-3470	29	14	ultimately	ultimately	ADV
fsr-3470	29	15	falls	fall	VERB
fsr-3470	29	16	on	on	ADP
fsr-3470	29	17	the	the	DET
fsr-3470	29	18	investor	investor	NOUN
fsr-3470	29	19	.	.	PUNCT
fsr-3470	30	1	disclosure	disclosure	NOUN
fsr-3470	30	2	of	of	ADP
fsr-3470	30	3	information	information	NOUN
fsr-3470	30	4	about	about	ADP
fsr-3470	30	5	a	a	DET
fsr-3470	30	6	particular	particular	ADJ
fsr-3470	30	7	product	product	NOUN
fsr-3470	30	8	does	do	AUX
fsr-3470	30	9	not	not	PART
fsr-3470	30	10	mean	mean	VERB
fsr-3470	30	11	that	that	SCONJ
fsr-3470	30	12	investors	investor	NOUN
fsr-3470	30	13	can	can	AUX
fsr-3470	30	14	understand	understand	VERB
fsr-3470	30	15	the	the	DET
fsr-3470	30	16	concepts	concept	NOUN
fsr-3470	30	17	,	,	PUNCT
fsr-3470	30	18	understand	understand	VERB
fsr-3470	30	19	their	their	PRON
fsr-3470	30	20	implications	implication	NOUN
fsr-3470	30	21	or	or	CCONJ
fsr-3470	30	22	make	make	VERB
fsr-3470	30	23	appropriate	appropriate	ADJ
fsr-3470	30	24	investment	investment	NOUN
fsr-3470	30	25	choices	choice	NOUN
fsr-3470	30	26	.	.	PUNCT
fsr-3470	31	1	such	such	ADJ
fsr-3470	31	2	conceptual	conceptual	ADJ
fsr-3470	31	3	gaps	gap	NOUN
fsr-3470	31	4	may	may	AUX
fsr-3470	31	5	forestall	forestall	VERB
fsr-3470	31	6	potential	potential	ADJ
fsr-3470	31	7	investors	investor	NOUN
fsr-3470	31	8	from	from	ADP
fsr-3470	31	9	investing	invest	VERB
fsr-3470	31	10	32	32	NUM
fsr-3470	31	11	b.	b.	PROPN
fsr-3470	31	12	scholl	scholl	PROPN
fsr-3470	31	13	and	and	CCONJ
fsr-3470	31	14	a.	a.	NOUN
fsr-3470	31	15	fontes	fontes	PROPN
fsr-3470	31	16	/	/	SYM
fsr-3470	31	17	financial	financial	ADJ
fsr-3470	31	18	services	service	NOUN
fsr-3470	31	19	review	review	VERB
fsr-3470	31	20	30	30	NUM
fsr-3470	31	21	(	(	PUNCT
fsr-3470	31	22	2022	2022	NUM
fsr-3470	31	23	)	)	PUNCT
fsr-3470	32	1	31–56	31–56	NUM
fsr-3470	32	2	leaving	leave	VERB
fsr-3470	32	3	them	they	PRON
fsr-3470	32	4	unprepared	unprepared	ADJ
fsr-3470	32	5	for	for	ADP
fsr-3470	32	6	important	important	ADJ
fsr-3470	32	7	goals	goal	NOUN
fsr-3470	32	8	such	such	ADJ
fsr-3470	32	9	as	as	ADP
fsr-3470	32	10	college	college	NOUN
fsr-3470	32	11	or	or	CCONJ
fsr-3470	32	12	retirement	retirement	NOUN
fsr-3470	32	13	,	,	PUNCT
fsr-3470	32	14	but	but	CCONJ
fsr-3470	32	15	for	for	ADP
fsr-3470	32	16	those	those	PRON
fsr-3470	32	17	that	that	PRON
fsr-3470	32	18	do	do	AUX
fsr-3470	32	19	invest	invest	VERB
fsr-3470	32	20	,	,	PUNCT
fsr-3470	32	21	a	a	DET
fsr-3470	32	22	knowledge	knowledge	NOUN
fsr-3470	32	23	gap	gap	NOUN
fsr-3470	32	24	related	relate	VERB
fsr-3470	32	25	to	to	ADP
fsr-3470	32	26	important	important	ADJ
fsr-3470	32	27	technical	technical	ADJ
fsr-3470	32	28	specifics	specific	NOUN
fsr-3470	32	29	may	may	AUX
fsr-3470	32	30	result	result	VERB
fsr-3470	32	31	in	in	ADP
fsr-3470	32	32	choices	choice	NOUN
fsr-3470	32	33	that	that	PRON
fsr-3470	32	34	have	have	VERB
fsr-3470	32	35	real	real	ADJ
fsr-3470	32	36	consequences	consequence	NOUN
fsr-3470	32	37	for	for	ADP
fsr-3470	32	38	a	a	DET
fsr-3470	32	39	household	household	NOUN
fsr-3470	32	40	’s	’s	PART
fsr-3470	32	41	balance	balance	NOUN
fsr-3470	32	42	sheet	sheet	NOUN
fsr-3470	32	43	.	.	PUNCT
fsr-3470	33	1	for	for	ADP
fsr-3470	33	2	example	example	NOUN
fsr-3470	33	3	,	,	PUNCT
fsr-3470	33	4	an	an	DET
fsr-3470	33	5	investor	investor	NOUN
fsr-3470	33	6	that	that	PRON
fsr-3470	33	7	follows	follow	VERB
fsr-3470	33	8	conventional	conventional	ADJ
fsr-3470	33	9	wisdom	wisdom	NOUN
fsr-3470	33	10	by	by	ADP
fsr-3470	33	11	investing	invest	VERB
fsr-3470	33	12	$	$	SYM
fsr-3470	33	13	100,000	100,000	NUM
fsr-3470	33	14	in	in	ADP
fsr-3470	33	15	one	one	NUM
fsr-3470	33	16	of	of	ADP
fsr-3470	33	17	the	the	DET
fsr-3470	33	18	lowest	low	ADJ
fsr-3470	33	19	priced	price	VERB
fsr-3470	33	20	s&p	s&p	PROPN
fsr-3470	33	21	index	index	NOUN
fsr-3470	33	22	funds	fund	NOUN
fsr-3470	33	23	(	(	PUNCT
fsr-3470	33	24	“	"	PUNCT
fsr-3470	33	25	fund	fund	VERB
fsr-3470	33	26	a	a	PRON
fsr-3470	33	27	”	"	PUNCT
fsr-3470	33	28	)	)	PUNCT
fsr-3470	33	29	with	with	ADP
fsr-3470	33	30	returns	return	NOUN
fsr-3470	33	31	averaging	average	VERB
fsr-3470	33	32	7	7	NUM
fsr-3470	33	33	%	%	NOUN
fsr-3470	33	34	per	per	ADP
fsr-3470	33	35	year	year	NOUN
fsr-3470	33	36	would	would	AUX
fsr-3470	33	37	pay	pay	VERB
fsr-3470	33	38	approximately	approximately	ADV
fsr-3470	33	39	$	$	SYM
fsr-3470	33	40	1,300	1,300	NUM
fsr-3470	33	41	in	in	ADP
fsr-3470	33	42	fees	fee	NOUN
fsr-3470	33	43	over	over	ADP
fsr-3470	33	44	20	20	NUM
fsr-3470	33	45	years	year	NOUN
fsr-3470	33	46	,	,	PUNCT
fsr-3470	33	47	and	and	CCONJ
fsr-3470	33	48	would	would	AUX
fsr-3470	33	49	have	have	VERB
fsr-3470	33	50	a	a	DET
fsr-3470	33	51	final	final	ADJ
fsr-3470	33	52	balance	balance	NOUN
fsr-3470	33	53	of	of	ADP
fsr-3470	33	54	approximately	approximately	ADV
fsr-3470	33	55	$	$	SYM
fsr-3470	33	56	385,000	385,000	NUM
fsr-3470	33	57	.	.	PUNCT
fsr-3470	34	1	but	but	CCONJ
fsr-3470	34	2	an	an	DET
fsr-3470	34	3	investor	investor	NOUN
fsr-3470	34	4	that	that	PRON
fsr-3470	34	5	makes	make	VERB
fsr-3470	34	6	a	a	DET
fsr-3470	34	7	single	single	ADJ
fsr-3470	34	8	mistake	mistake	NOUN
fsr-3470	34	9	in	in	ADP
fsr-3470	34	10	their	their	PRON
fsr-3470	34	11	purchase	purchase	NOUN
fsr-3470	34	12	decision	decision	NOUN
fsr-3470	34	13	by	by	ADP
fsr-3470	34	14	selecting	select	VERB
fsr-3470	34	15	one	one	NUM
fsr-3470	34	16	of	of	ADP
fsr-3470	34	17	the	the	DET
fsr-3470	34	18	higher	higher	ADV
fsr-3470	34	19	priced	price	VERB
fsr-3470	34	20	s&p	s&p	PROPN
fsr-3470	34	21	index	index	NOUN
fsr-3470	34	22	funds	fund	NOUN
fsr-3470	34	23	(	(	PUNCT
fsr-3470	34	24	“	"	PUNCT
fsr-3470	34	25	fund	fund	VERB
fsr-3470	34	26	b”)—a	b”)—a	ADJ
fsr-3470	34	27	mistake	mistake	NOUN
fsr-3470	34	28	that	that	PRON
fsr-3470	34	29	could	could	AUX
fsr-3470	34	30	arise	arise	VERB
fsr-3470	34	31	by	by	ADP
fsr-3470	34	32	simply	simply	ADV
fsr-3470	34	33	picking	pick	VERB
fsr-3470	34	34	the	the	DET
fsr-3470	34	35	more	more	ADV
fsr-3470	34	36	expensive	expensive	ADJ
fsr-3470	34	37	option	option	NOUN
fsr-3470	34	38	from	from	ADP
fsr-3470	34	39	a	a	DET
fsr-3470	34	40	broker	broker	NOUN
fsr-3470	34	41	’s	’s	PART
fsr-3470	34	42	menu	menu	NOUN
fsr-3470	34	43	of	of	ADP
fsr-3470	34	44	funds	fund	NOUN
fsr-3470	34	45	—	—	PUNCT
fsr-3470	34	46	would	would	AUX
fsr-3470	34	47	pay	pay	VERB
fsr-3470	34	48	approximately	approximately	ADV
fsr-3470	34	49	$	$	SYM
fsr-3470	34	50	80,000	80,000	NUM
fsr-3470	34	51	in	in	ADP
fsr-3470	34	52	fees	fee	NOUN
fsr-3470	34	53	over	over	ADP
fsr-3470	34	54	the	the	DET
fsr-3470	34	55	same	same	ADJ
fsr-3470	34	56	period	period	NOUN
fsr-3470	34	57	and	and	CCONJ
fsr-3470	34	58	end	end	VERB
fsr-3470	34	59	up	up	ADP
fsr-3470	34	60	with	with	ADP
fsr-3470	34	61	less	less	ADJ
fsr-3470	34	62	than	than	ADP
fsr-3470	34	63	$	$	SYM
fsr-3470	34	64	240,000	240,000	NUM
fsr-3470	34	65	.	.	PUNCT
fsr-3470	35	1	the	the	DET
fsr-3470	35	2	consequences	consequence	NOUN
fsr-3470	35	3	of	of	ADP
fsr-3470	35	4	fees	fee	NOUN
fsr-3470	35	5	are	be	AUX
fsr-3470	35	6	well	well	ADV
fsr-3470	35	7	known	known	ADJ
fsr-3470	35	8	to	to	ADP
fsr-3470	35	9	professionals	professional	NOUN
fsr-3470	35	10	,	,	PUNCT
fsr-3470	35	11	policymakers	policymaker	NOUN
fsr-3470	35	12	,	,	PUNCT
fsr-3470	35	13	and	and	CCONJ
fsr-3470	35	14	academics	academic	NOUN
fsr-3470	35	15	,	,	PUNCT
fsr-3470	35	16	but	but	CCONJ
fsr-3470	35	17	it	it	PRON
fsr-3470	35	18	is	be	AUX
fsr-3470	35	19	important	important	ADJ
fsr-3470	35	20	to	to	PART
fsr-3470	35	21	ask	ask	VERB
fsr-3470	35	22	:	:	PUNCT
fsr-3470	35	23	how	how	SCONJ
fsr-3470	35	24	widely	widely	ADV
fsr-3470	35	25	known	know	VERB
fsr-3470	35	26	is	be	AUX
fsr-3470	35	27	this	this	PRON
fsr-3470	35	28	to	to	ADP
fsr-3470	35	29	the	the	DET
fsr-3470	35	30	public	public	NOUN
fsr-3470	35	31	who	who	PRON
fsr-3470	35	32	may	may	AUX
fsr-3470	35	33	not	not	PART
fsr-3470	35	34	be	be	AUX
fsr-3470	35	35	as	as	ADV
fsr-3470	35	36	experienced	experienced	ADJ
fsr-3470	35	37	or	or	CCONJ
fsr-3470	35	38	knowledgeable?5	knowledgeable?5	PROPN
fsr-3470	35	39	moreover	moreover	ADV
fsr-3470	35	40	,	,	PUNCT
fsr-3470	35	41	what	what	DET
fsr-3470	35	42	other	other	ADJ
fsr-3470	35	43	misconceptions	misconception	NOUN
fsr-3470	35	44	do	do	AUX
fsr-3470	35	45	they	they	PRON
fsr-3470	35	46	hold	hold	VERB
fsr-3470	35	47	about	about	ADP
fsr-3470	35	48	mutual	mutual	ADJ
fsr-3470	35	49	funds	fund	NOUN
fsr-3470	35	50	that	that	PRON
fsr-3470	35	51	could	could	AUX
fsr-3470	35	52	lead	lead	VERB
fsr-3470	35	53	to	to	ADP
fsr-3470	35	54	other	other	ADJ
fsr-3470	35	55	costly	costly	ADJ
fsr-3470	35	56	mistakes	mistake	NOUN
fsr-3470	35	57	?	?	PUNCT
fsr-3470	36	1	identifying	identify	VERB
fsr-3470	36	2	these	these	DET
fsr-3470	36	3	deficiencies	deficiency	NOUN
fsr-3470	36	4	may	may	AUX
fsr-3470	36	5	help	help	VERB
fsr-3470	36	6	in	in	ADP
fsr-3470	36	7	developing	develop	VERB
fsr-3470	36	8	more	more	ADV
fsr-3470	36	9	targeted	target	VERB
fsr-3470	36	10	interventions	intervention	NOUN
fsr-3470	36	11	to	to	PART
fsr-3470	36	12	complement	complement	VERB
fsr-3470	36	13	broad	broad	ADJ
fsr-3470	36	14	financial	financial	ADJ
fsr-3470	36	15	education	education	NOUN
fsr-3470	36	16	initiatives	initiative	NOUN
fsr-3470	36	17	.	.	PUNCT
fsr-3470	37	1	in	in	ADP
fsr-3470	37	2	the	the	DET
fsr-3470	37	3	context	context	NOUN
fsr-3470	37	4	of	of	ADP
fsr-3470	37	5	investor	investor	NOUN
fsr-3470	37	6	decision	decision	NOUN
fsr-3470	37	7	making	making	NOUN
fsr-3470	37	8	,	,	PUNCT
fsr-3470	37	9	our	our	PRON
fsr-3470	37	10	index	index	NOUN
fsr-3470	37	11	complements	complement	VERB
fsr-3470	37	12	existing	exist	VERB
fsr-3470	37	13	measures	measure	NOUN
fsr-3470	37	14	of	of	ADP
fsr-3470	37	15	general	general	ADJ
fsr-3470	37	16	financial	financial	ADJ
fsr-3470	37	17	knowledge	knowledge	NOUN
fsr-3470	37	18	that	that	PRON
fsr-3470	37	19	have	have	AUX
fsr-3470	37	20	been	be	AUX
fsr-3470	37	21	associated	associate	VERB
fsr-3470	37	22	with	with	ADP
fsr-3470	37	23	a	a	DET
fsr-3470	37	24	broad	broad	ADJ
fsr-3470	37	25	range	range	NOUN
fsr-3470	37	26	of	of	ADP
fsr-3470	37	27	economic	economic	ADJ
fsr-3470	37	28	outcomes	outcome	NOUN
fsr-3470	37	29	.	.	PUNCT
fsr-3470	38	1	a	a	DET
fsr-3470	38	2	large	large	ADJ
fsr-3470	38	3	body	body	NOUN
fsr-3470	38	4	of	of	ADP
fsr-3470	38	5	evidence	evidence	NOUN
fsr-3470	38	6	has	have	AUX
fsr-3470	38	7	elevated	elevate	VERB
fsr-3470	38	8	attention	attention	NOUN
fsr-3470	38	9	to	to	ADP
fsr-3470	38	10	financial	financial	ADJ
fsr-3470	38	11	knowledge	knowledge	NOUN
fsr-3470	38	12	and	and	CCONJ
fsr-3470	38	13	its	its	PRON
fsr-3470	38	14	implications	implication	NOUN
fsr-3470	38	15	for	for	ADP
fsr-3470	38	16	various	various	ADJ
fsr-3470	38	17	financial	financial	ADJ
fsr-3470	38	18	outcomes	outcome	NOUN
fsr-3470	38	19	(	(	PUNCT
fsr-3470	38	20	lusardi	lusardi	NOUN
fsr-3470	38	21	,	,	PUNCT
fsr-3470	38	22	2019	2019	NUM
fsr-3470	38	23	,	,	PUNCT
fsr-3470	38	24	2012	2012	NUM
fsr-3470	38	25	,	,	PUNCT
fsr-3470	38	26	2008	2008	NUM
fsr-3470	38	27	;	;	PUNCT
fsr-3470	38	28	lusardi	lusardi	PROPN
fsr-3470	38	29	&	&	CCONJ
fsr-3470	38	30	mitchell	mitchell	PROPN
fsr-3470	38	31	,	,	PUNCT
fsr-3470	38	32	2014	2014	NUM
fsr-3470	38	33	;	;	PUNCT
fsr-3470	38	34	lusardi	lusardi	PROPN
fsr-3470	38	35	,	,	PUNCT
fsr-3470	38	36	mitchell	mitchell	PROPN
fsr-3470	38	37	,	,	PUNCT
fsr-3470	38	38	&	&	CCONJ
fsr-3470	38	39	curto	curto	PROPN
fsr-3470	38	40	,	,	PUNCT
fsr-3470	38	41	2014	2014	NUM
fsr-3470	38	42	;	;	PUNCT
fsr-3470	38	43	van	van	PROPN
fsr-3470	38	44	rooij	rooij	NOUN
fsr-3470	38	45	,	,	PUNCT
fsr-3470	38	46	lusardi	lusardi	PROPN
fsr-3470	38	47	,	,	PUNCT
fsr-3470	38	48	&	&	CCONJ
fsr-3470	38	49	alessie	alessie	PROPN
fsr-3470	38	50	,	,	PUNCT
fsr-3470	38	51	2011	2011	NUM
fsr-3470	38	52	)	)	PUNCT
fsr-3470	38	53	,	,	PUNCT
fsr-3470	38	54	such	such	ADJ
fsr-3470	38	55	as	as	ADP
fsr-3470	38	56	wealth	wealth	NOUN
fsr-3470	38	57	accumulation	accumulation	NOUN
fsr-3470	38	58	,	,	PUNCT
fsr-3470	38	59	debt	debt	NOUN
fsr-3470	38	60	management	management	NOUN
fsr-3470	38	61	,	,	PUNCT
fsr-3470	38	62	general	general	ADJ
fsr-3470	38	63	financial	financial	ADJ
fsr-3470	38	64	management	management	NOUN
fsr-3470	38	65	,	,	PUNCT
fsr-3470	38	66	and	and	CCONJ
fsr-3470	38	67	uptake	uptake	NOUN
fsr-3470	38	68	of	of	ADP
fsr-3470	38	69	financial	financial	ADJ
fsr-3470	38	70	advice	advice	NOUN
fsr-3470	38	71	(	(	PUNCT
fsr-3470	38	72	scholl	scholl	PROPN
fsr-3470	38	73	&	&	CCONJ
fsr-3470	38	74	hung	hung	PROPN
fsr-3470	38	75	,	,	PUNCT
fsr-3470	38	76	2018	2018	NUM
fsr-3470	38	77	)	)	PUNCT
fsr-3470	38	78	.	.	PUNCT
fsr-3470	39	1	typical	typical	ADJ
fsr-3470	39	2	measures	measure	NOUN
fsr-3470	39	3	of	of	ADP
fsr-3470	39	4	financial	financial	ADJ
fsr-3470	39	5	literacy	literacy	NOUN
fsr-3470	39	6	attempt	attempt	NOUN
fsr-3470	39	7	to	to	PART
fsr-3470	39	8	glean	glean	VERB
fsr-3470	39	9	knowledge	knowledge	NOUN
fsr-3470	39	10	of	of	ADP
fsr-3470	39	11	general	general	ADJ
fsr-3470	39	12	economic	economic	ADJ
fsr-3470	39	13	principles	principle	NOUN
fsr-3470	39	14	,	,	PUNCT
fsr-3470	39	15	which	which	PRON
fsr-3470	39	16	may	may	AUX
fsr-3470	39	17	make	make	VERB
fsr-3470	39	18	them	they	PRON
fsr-3470	39	19	helpful	helpful	ADJ
fsr-3470	39	20	for	for	ADP
fsr-3470	39	21	understanding	understand	VERB
fsr-3470	39	22	such	such	ADJ
fsr-3470	39	23	concerns	concern	NOUN
fsr-3470	39	24	as	as	ADP
fsr-3470	39	25	overall	overall	ADJ
fsr-3470	39	26	well	well	ADV
fsr-3470	39	27	-	-	PUNCT
fsr-3470	39	28	being	being	NOUN
fsr-3470	39	29	and	and	CCONJ
fsr-3470	39	30	asset	asset	NOUN
fsr-3470	39	31	accumulation	accumulation	NOUN
fsr-3470	39	32	,	,	PUNCT
fsr-3470	39	33	but	but	CCONJ
fsr-3470	39	34	these	these	DET
fsr-3470	39	35	measures	measure	NOUN
fsr-3470	39	36	may	may	AUX
fsr-3470	39	37	be	be	AUX
fsr-3470	39	38	insufficiently	insufficiently	ADV
fsr-3470	39	39	specialized	specialize	VERB
fsr-3470	39	40	for	for	ADP
fsr-3470	39	41	the	the	DET
fsr-3470	39	42	policy	policy	NOUN
fsr-3470	39	43	-	-	PUNCT
fsr-3470	39	44	making	make	VERB
fsr-3470	39	45	context	context	NOUN
fsr-3470	39	46	of	of	ADP
fsr-3470	39	47	financial	financial	ADJ
fsr-3470	39	48	market	market	NOUN
fsr-3470	39	49	regulators	regulator	NOUN
fsr-3470	39	50	.	.	PUNCT
fsr-3470	40	1	for	for	ADP
fsr-3470	40	2	example	example	NOUN
fsr-3470	40	3	,	,	PUNCT
fsr-3470	40	4	the	the	DET
fsr-3470	40	5	useful	useful	ADJ
fsr-3470	40	6	and	and	CCONJ
fsr-3470	40	7	widely	widely	ADV
fsr-3470	40	8	accepted	accept	VERB
fsr-3470	40	9	three	three	NUM
fsr-3470	40	10	-	-	PUNCT
fsr-3470	40	11	question	question	NOUN
fsr-3470	40	12	financial	financial	ADJ
fsr-3470	40	13	literacy	literacy	NOUN
fsr-3470	40	14	questions	question	NOUN
fsr-3470	40	15	advanced	advance	VERB
fsr-3470	40	16	by	by	ADP
fsr-3470	40	17	lusardi	lusardi	PROPN
fsr-3470	40	18	and	and	CCONJ
fsr-3470	40	19	mitchell	mitchell	PROPN
fsr-3470	40	20	(	(	PUNCT
fsr-3470	40	21	lusardi	lusardi	PROPN
fsr-3470	40	22	&	&	CCONJ
fsr-3470	40	23	mitchell	mitchell	PROPN
fsr-3470	40	24	,	,	PUNCT
fsr-3470	40	25	2014	2014	NUM
fsr-3470	40	26	,	,	PUNCT
fsr-3470	40	27	2008	2008	NUM
fsr-3470	40	28	)	)	PUNCT
fsr-3470	40	29	tests	test	VERB
fsr-3470	40	30	literacy	literacy	NOUN
fsr-3470	40	31	in	in	ADP
fsr-3470	40	32	terms	term	NOUN
fsr-3470	40	33	of	of	ADP
fsr-3470	40	34	questions	question	NOUN
fsr-3470	40	35	on	on	ADP
fsr-3470	40	36	purchasing	purchase	VERB
fsr-3470	40	37	power	power	NOUN
fsr-3470	40	38	and	and	CCONJ
fsr-3470	40	39	inflation	inflation	NOUN
fsr-3470	40	40	,	,	PUNCT
fsr-3470	40	41	risk	risk	NOUN
fsr-3470	40	42	,	,	PUNCT
fsr-3470	40	43	and	and	CCONJ
fsr-3470	40	44	interest	interest	NOUN
fsr-3470	40	45	compounding	compounding	NOUN
fsr-3470	40	46	.	.	PUNCT
fsr-3470	41	1	in	in	ADP
fsr-3470	41	2	extended	extended	ADJ
fsr-3470	41	3	versions	version	NOUN
fsr-3470	41	4	of	of	ADP
fsr-3470	41	5	this	this	DET
fsr-3470	41	6	standard	standard	ADJ
fsr-3470	41	7	battery	battery	NOUN
fsr-3470	41	8	(	(	PUNCT
fsr-3470	41	9	lusardi	lusardi	PROPN
fsr-3470	41	10	,	,	PUNCT
fsr-3470	41	11	2008	2008	NUM
fsr-3470	41	12	;	;	PUNCT
fsr-3470	41	13	lin	lin	PROPN
fsr-3470	41	14	et	et	PROPN
fsr-3470	41	15	al	al	PROPN
fsr-3470	41	16	.	.	PROPN
fsr-3470	41	17	,	,	PUNCT
fsr-3470	41	18	2019	2019	NUM
fsr-3470	41	19	;	;	PUNCT
fsr-3470	41	20	van	van	PROPN
fsr-3470	41	21	rooij	rooij	NOUN
fsr-3470	41	22	,	,	PUNCT
fsr-3470	41	23	lusardi	lusardi	PROPN
fsr-3470	41	24	,	,	PUNCT
fsr-3470	41	25	&	&	CCONJ
fsr-3470	41	26	alessie	alessie	PROPN
fsr-3470	41	27	,	,	PUNCT
fsr-3470	41	28	2011	2011	NUM
fsr-3470	41	29	)	)	PUNCT
fsr-3470	41	30	,	,	PUNCT
fsr-3470	41	31	further	further	ADJ
fsr-3470	41	32	developments	development	NOUN
fsr-3470	41	33	and	and	CCONJ
fsr-3470	41	34	refinements	refinement	NOUN
fsr-3470	41	35	of	of	ADP
fsr-3470	41	36	these	these	DET
fsr-3470	41	37	fundamental	fundamental	ADJ
fsr-3470	41	38	measurement	measurement	NOUN
fsr-3470	41	39	concepts	concept	NOUN
fsr-3470	41	40	are	be	AUX
fsr-3470	41	41	made	make	VERB
fsr-3470	41	42	to	to	PART
fsr-3470	41	43	examine	examine	VERB
fsr-3470	41	44	the	the	DET
fsr-3470	41	45	knowledge	knowledge	NOUN
fsr-3470	41	46	of	of	ADP
fsr-3470	41	47	increasingly	increasingly	ADV
fsr-3470	41	48	complex	complex	ADJ
fsr-3470	41	49	principles	principle	NOUN
fsr-3470	41	50	of	of	ADP
fsr-3470	41	51	economics	economic	NOUN
fsr-3470	41	52	,	,	PUNCT
fsr-3470	41	53	finance	finance	NOUN
fsr-3470	41	54	,	,	PUNCT
fsr-3470	41	55	and	and	CCONJ
fsr-3470	41	56	investment	investment	NOUN
fsr-3470	41	57	.	.	PUNCT
fsr-3470	42	1	yet	yet	ADV
fsr-3470	42	2	,	,	PUNCT
fsr-3470	42	3	in	in	ADP
fsr-3470	42	4	the	the	DET
fsr-3470	42	5	$	$	SYM
fsr-3470	42	6	145,000	145,000	NUM
fsr-3470	42	7	investment	investment	NOUN
fsr-3470	42	8	mistake	mistake	NOUN
fsr-3470	42	9	illustrated	illustrate	VERB
fsr-3470	42	10	above	above	ADV
fsr-3470	42	11	,	,	PUNCT
fsr-3470	42	12	the	the	DET
fsr-3470	42	13	knowledge	knowledge	NOUN
fsr-3470	42	14	gap	gap	NOUN
fsr-3470	42	15	that	that	PRON
fsr-3470	42	16	leads	lead	VERB
fsr-3470	42	17	to	to	ADP
fsr-3470	42	18	this	this	DET
fsr-3470	42	19	investor	investor	NOUN
fsr-3470	42	20	decision	decision	NOUN
fsr-3470	42	21	-	-	PUNCT
fsr-3470	42	22	making	make	VERB
fsr-3470	42	23	error	error	NOUN
fsr-3470	42	24	relates	relate	VERB
fsr-3470	42	25	to	to	ADP
fsr-3470	42	26	technical	technical	ADJ
fsr-3470	42	27	features	feature	NOUN
fsr-3470	42	28	of	of	ADP
fsr-3470	42	29	funds	fund	NOUN
fsr-3470	42	30	and	and	CCONJ
fsr-3470	42	31	the	the	DET
fsr-3470	42	32	market	market	NOUN
fsr-3470	42	33	for	for	ADP
fsr-3470	42	34	funds	fund	NOUN
fsr-3470	42	35	,	,	PUNCT
fsr-3470	42	36	rather	rather	ADV
fsr-3470	42	37	than	than	ADP
fsr-3470	42	38	general	general	ADJ
fsr-3470	42	39	economic	economic	ADJ
fsr-3470	42	40	knowledge	knowledge	NOUN
fsr-3470	42	41	.	.	PUNCT
fsr-3470	43	1	leading	lead	VERB
fsr-3470	43	2	up	up	ADP
fsr-3470	43	3	to	to	ADP
fsr-3470	43	4	this	this	DET
fsr-3470	43	5	“	"	PUNCT
fsr-3470	43	6	asset	asset	NOUN
fsr-3470	43	7	selection	selection	NOUN
fsr-3470	43	8	decision	decision	NOUN
fsr-3470	43	9	”	"	PUNCT
fsr-3470	43	10	between	between	ADP
fsr-3470	43	11	fund	fund	NOUN
fsr-3470	43	12	a	a	PRON
fsr-3470	43	13	and	and	CCONJ
fsr-3470	43	14	b	b	NOUN
fsr-3470	43	15	based	base	VERB
fsr-3470	43	16	on	on	ADP
fsr-3470	43	17	an	an	DET
fsr-3470	43	18	evaluation	evaluation	NOUN
fsr-3470	43	19	of	of	ADP
fsr-3470	43	20	the	the	DET
fsr-3470	43	21	characteristics	characteristic	NOUN
fsr-3470	43	22	of	of	ADP
fsr-3470	43	23	the	the	DET
fsr-3470	43	24	funds	fund	NOUN
fsr-3470	43	25	,	,	PUNCT
fsr-3470	43	26	an	an	DET
fsr-3470	43	27	individual	individual	NOUN
fsr-3470	43	28	presumably	presumably	ADV
fsr-3470	43	29	has	have	AUX
fsr-3470	43	30	previously	previously	ADV
fsr-3470	43	31	made	make	VERB
fsr-3470	43	32	the	the	DET
fsr-3470	43	33	decision	decision	NOUN
fsr-3470	43	34	to	to	PART
fsr-3470	43	35	invest	invest	VERB
fsr-3470	43	36	in	in	ADP
fsr-3470	43	37	securities	security	NOUN
fsr-3470	43	38	(	(	PUNCT
fsr-3470	43	39	“	"	PUNCT
fsr-3470	43	40	participation	participation	NOUN
fsr-3470	43	41	decision	decision	NOUN
fsr-3470	43	42	”	"	PUNCT
fsr-3470	43	43	)	)	PUNCT
fsr-3470	43	44	and	and	CCONJ
fsr-3470	43	45	determined	determine	VERB
fsr-3470	43	46	that	that	SCONJ
fsr-3470	43	47	a	a	DET
fsr-3470	43	48	particular	particular	ADJ
fsr-3470	43	49	asset	asset	NOUN
fsr-3470	43	50	class	class	NOUN
fsr-3470	43	51	such	such	ADJ
fsr-3470	43	52	as	as	ADP
fsr-3470	43	53	mutual	mutual	ADJ
fsr-3470	43	54	funds	fund	NOUN
fsr-3470	43	55	are	be	AUX
fsr-3470	43	56	right	right	ADJ
fsr-3470	43	57	for	for	ADP
fsr-3470	43	58	them	they	PRON
fsr-3470	43	59	(	(	PUNCT
fsr-3470	43	60	“	"	PUNCT
fsr-3470	43	61	asset	asset	NOUN
fsr-3470	43	62	class	class	NOUN
fsr-3470	43	63	selection	selection	NOUN
fsr-3470	43	64	decision	decision	NOUN
fsr-3470	43	65	”	"	PUNCT
fsr-3470	43	66	)	)	PUNCT
fsr-3470	43	67	.	.	PUNCT
fsr-3470	44	1	of	of	ADP
fsr-3470	44	2	the	the	DET
fsr-3470	44	3	lusardi	lusardi	PROPN
fsr-3470	44	4	-	-	PUNCT
fsr-3470	44	5	mitchell	mitchell	PROPN
fsr-3470	44	6	big	big	ADJ
fsr-3470	44	7	5	5	NUM
fsr-3470	44	8	general	general	ADJ
fsr-3470	44	9	financial	financial	ADJ
fsr-3470	44	10	literacy	literacy	NOUN
fsr-3470	44	11	questions	question	NOUN
fsr-3470	44	12	,	,	PUNCT
fsr-3470	44	13	the	the	DET
fsr-3470	44	14	most	most	ADV
fsr-3470	44	15	directly	directly	ADV
fsr-3470	44	16	relevant	relevant	ADJ
fsr-3470	44	17	to	to	ADP
fsr-3470	44	18	the	the	DET
fsr-3470	44	19	context	context	NOUN
fsr-3470	44	20	of	of	ADP
fsr-3470	44	21	mutual	mutual	ADJ
fsr-3470	44	22	fund	fund	NOUN
fsr-3470	44	23	investments	investment	NOUN
fsr-3470	44	24	is	be	AUX
fsr-3470	44	25	a	a	DET
fsr-3470	44	26	truefalse	truefalse	ADJ
fsr-3470	44	27	question	question	NOUN
fsr-3470	44	28	that	that	PRON
fsr-3470	44	29	asks	ask	VERB
fsr-3470	44	30	:	:	PUNCT
fsr-3470	44	31	“	"	PUNCT
fsr-3470	44	32	buying	buy	VERB
fsr-3470	44	33	a	a	DET
fsr-3470	44	34	single	single	ADJ
fsr-3470	44	35	company	company	NOUN
fsr-3470	44	36	’s	’s	PART
fsr-3470	44	37	stock	stock	NOUN
fsr-3470	44	38	usually	usually	ADV
fsr-3470	44	39	provides	provide	VERB
fsr-3470	44	40	a	a	DET
fsr-3470	44	41	safer	safe	ADJ
fsr-3470	44	42	return	return	NOUN
fsr-3470	44	43	than	than	ADP
fsr-3470	44	44	a	a	DET
fsr-3470	44	45	stock	stock	NOUN
fsr-3470	44	46	mutual	mutual	ADJ
fsr-3470	44	47	fund	fund	NOUN
fsr-3470	44	48	?	?	PUNCT
fsr-3470	44	49	”	"	PUNCT
fsr-3470	45	1	this	this	DET
fsr-3470	45	2	question	question	NOUN
fsr-3470	45	3	seems	seem	VERB
fsr-3470	45	4	directly	directly	ADV
fsr-3470	45	5	related	relate	VERB
fsr-3470	45	6	to	to	ADP
fsr-3470	45	7	the	the	DET
fsr-3470	45	8	asset	asset	NOUN
fsr-3470	45	9	class	class	NOUN
fsr-3470	45	10	selection	selection	NOUN
fsr-3470	45	11	decision	decision	NOUN
fsr-3470	45	12	and	and	CCONJ
fsr-3470	45	13	perhaps	perhaps	ADV
fsr-3470	45	14	the	the	DET
fsr-3470	45	15	participation	participation	NOUN
fsr-3470	45	16	decision	decision	NOUN
fsr-3470	45	17	,	,	PUNCT
fsr-3470	45	18	but	but	CCONJ
fsr-3470	45	19	less	less	ADV
fsr-3470	45	20	directly	directly	ADV
fsr-3470	45	21	related	relate	VERB
fsr-3470	45	22	to	to	ADP
fsr-3470	45	23	the	the	DET
fsr-3470	45	24	asset	asset	NOUN
fsr-3470	45	25	selection	selection	NOUN
fsr-3470	45	26	decision	decision	NOUN
fsr-3470	45	27	in	in	ADP
fsr-3470	45	28	which	which	PRON
fsr-3470	45	29	the	the	DET
fsr-3470	45	30	investor	investor	NOUN
fsr-3470	45	31	evaluates	evaluate	VERB
fsr-3470	45	32	the	the	DET
fsr-3470	45	33	merits	merit	NOUN
fsr-3470	45	34	of	of	ADP
fsr-3470	45	35	features	feature	NOUN
fsr-3470	45	36	of	of	ADP
fsr-3470	45	37	funds	fund	NOUN
fsr-3470	45	38	.	.	PUNCT
fsr-3470	46	1	to	to	PART
fsr-3470	46	2	make	make	VERB
fsr-3470	46	3	a	a	DET
fsr-3470	46	4	reasonable	reasonable	ADJ
fsr-3470	46	5	asset	asset	NOUN
fsr-3470	46	6	selection	selection	NOUN
fsr-3470	46	7	choice	choice	NOUN
fsr-3470	46	8	,	,	PUNCT
fsr-3470	46	9	the	the	DET
fsr-3470	46	10	investor	investor	NOUN
fsr-3470	46	11	may	may	AUX
fsr-3470	46	12	need	need	VERB
fsr-3470	46	13	to	to	PART
fsr-3470	46	14	be	be	AUX
fsr-3470	46	15	aware	aware	ADJ
fsr-3470	46	16	of	of	ADP
fsr-3470	46	17	facts	fact	NOUN
fsr-3470	46	18	such	such	ADJ
fsr-3470	46	19	as	as	ADP
fsr-3470	46	20	:	:	PUNCT
fsr-3470	46	21	that	that	SCONJ
fsr-3470	46	22	b.	b.	PROPN
fsr-3470	46	23	scholl	scholl	PROPN
fsr-3470	46	24	and	and	CCONJ
fsr-3470	46	25	a.	a.	NOUN
fsr-3470	46	26	fontes	fontes	PROPN
fsr-3470	46	27	/	/	SYM
fsr-3470	46	28	financial	financial	ADJ
fsr-3470	46	29	services	service	NOUN
fsr-3470	46	30	review	review	VERB
fsr-3470	46	31	30	30	NUM
fsr-3470	46	32	(	(	PUNCT
fsr-3470	46	33	2022	2022	NUM
fsr-3470	46	34	)	)	PUNCT
fsr-3470	47	1	31–56	31–56	NUM
fsr-3470	47	2	33	33	NUM
fsr-3470	47	3	differences	difference	NOUN
fsr-3470	47	4	in	in	ADP
fsr-3470	47	5	fees	fee	NOUN
fsr-3470	47	6	exist	exist	VERB
fsr-3470	47	7	;	;	PUNCT
fsr-3470	47	8	that	that	SCONJ
fsr-3470	47	9	the	the	DET
fsr-3470	47	10	expense	expense	NOUN
fsr-3470	47	11	ratio	ratio	NOUN
fsr-3470	47	12	does	do	AUX
fsr-3470	47	13	not	not	PART
fsr-3470	47	14	necessarily	necessarily	ADV
fsr-3470	47	15	reflect	reflect	VERB
fsr-3470	47	16	all	all	DET
fsr-3470	47	17	fees	fee	NOUN
fsr-3470	47	18	such	such	ADJ
fsr-3470	47	19	as	as	ADP
fsr-3470	47	20	commissions	commission	NOUN
fsr-3470	47	21	or	or	CCONJ
fsr-3470	47	22	loads	load	NOUN
fsr-3470	47	23	;	;	PUNCT
fsr-3470	47	24	that	that	SCONJ
fsr-3470	47	25	fees	fee	NOUN
fsr-3470	47	26	compound	compound	VERB
fsr-3470	47	27	over	over	ADP
fsr-3470	47	28	time	time	NOUN
fsr-3470	47	29	much	much	ADV
fsr-3470	47	30	like	like	ADP
fsr-3470	47	31	interest	interest	NOUN
fsr-3470	47	32	;	;	PUNCT
fsr-3470	47	33	and	and	CCONJ
fsr-3470	47	34	where	where	SCONJ
fsr-3470	47	35	to	to	PART
fsr-3470	47	36	find	find	VERB
fsr-3470	47	37	information	information	NOUN
fsr-3470	47	38	about	about	ADP
fsr-3470	47	39	fees	fee	NOUN
fsr-3470	47	40	.	.	PUNCT
fsr-3470	48	1	moreover	moreover	ADV
fsr-3470	48	2	,	,	PUNCT
fsr-3470	48	3	the	the	DET
fsr-3470	48	4	investor	investor	NOUN
fsr-3470	48	5	is	be	AUX
fsr-3470	48	6	often	often	ADV
fsr-3470	48	7	only	only	ADV
fsr-3470	48	8	presented	present	VERB
fsr-3470	48	9	with	with	ADP
fsr-3470	48	10	a	a	DET
fsr-3470	48	11	single	single	ADJ
fsr-3470	48	12	fund	fund	NOUN
fsr-3470	48	13	,	,	PUNCT
fsr-3470	48	14	and	and	CCONJ
fsr-3470	48	15	may	may	AUX
fsr-3470	48	16	need	need	VERB
fsr-3470	48	17	to	to	PART
fsr-3470	48	18	evaluate	evaluate	VERB
fsr-3470	48	19	such	such	DET
fsr-3470	48	20	a	a	DET
fsr-3470	48	21	fund	fund	NOUN
fsr-3470	48	22	in	in	ADP
fsr-3470	48	23	reference	reference	NOUN
fsr-3470	48	24	to	to	ADP
fsr-3470	48	25	an	an	DET
fsr-3470	48	26	unknown	unknown	ADJ
fsr-3470	48	27	set	set	NOUN
fsr-3470	48	28	of	of	ADP
fsr-3470	48	29	alternatives	alternative	NOUN
fsr-3470	48	30	;	;	PUNCT
fsr-3470	48	31	if	if	SCONJ
fsr-3470	48	32	they	they	PRON
fsr-3470	48	33	are	be	AUX
fsr-3470	48	34	presented	present	VERB
fsr-3470	48	35	with	with	ADP
fsr-3470	48	36	fund	fund	PROPN
fsr-3470	48	37	b	b	PROPN
fsr-3470	48	38	,	,	PUNCT
fsr-3470	48	39	they	they	PRON
fsr-3470	48	40	may	may	AUX
fsr-3470	48	41	need	need	VERB
fsr-3470	48	42	to	to	PART
fsr-3470	48	43	engage	engage	VERB
fsr-3470	48	44	in	in	ADP
fsr-3470	48	45	costly	costly	ADJ
fsr-3470	48	46	search	search	NOUN
fsr-3470	48	47	to	to	PART
fsr-3470	48	48	identify	identify	VERB
fsr-3470	48	49	a	a	DET
fsr-3470	48	50	better	well	ADJ
fsr-3470	48	51	alternative	alternative	NOUN
fsr-3470	48	52	(	(	PUNCT
fsr-3470	48	53	as	as	ADP
fsr-3470	48	54	in	in	ADP
fsr-3470	48	55	hortaçsu	hortaçsu	PROPN
fsr-3470	48	56	&	&	CCONJ
fsr-3470	48	57	syverson	syverson	PROPN
fsr-3470	48	58	,	,	PUNCT
fsr-3470	48	59	2004	2004	NUM
fsr-3470	48	60	)	)	PUNCT
fsr-3470	48	61	.	.	PUNCT
fsr-3470	49	1	a	a	DET
fsr-3470	49	2	lack	lack	NOUN
fsr-3470	49	3	of	of	ADP
fsr-3470	49	4	knowledge	knowledge	NOUN
fsr-3470	49	5	about	about	ADP
fsr-3470	49	6	the	the	DET
fsr-3470	49	7	potential	potential	NOUN
fsr-3470	49	8	to	to	PART
fsr-3470	49	9	find	find	VERB
fsr-3470	49	10	alternatives	alternative	NOUN
fsr-3470	49	11	may	may	AUX
fsr-3470	49	12	forestall	forestall	VERB
fsr-3470	49	13	search	search	VERB
fsr-3470	49	14	,	,	PUNCT
fsr-3470	49	15	possibly	possibly	ADV
fsr-3470	49	16	because	because	SCONJ
fsr-3470	49	17	they	they	PRON
fsr-3470	49	18	do	do	AUX
fsr-3470	49	19	not	not	PART
fsr-3470	49	20	know	know	VERB
fsr-3470	49	21	that	that	SCONJ
fsr-3470	49	22	cheaper	cheap	ADJ
fsr-3470	49	23	,	,	PUNCT
fsr-3470	49	24	nearly	nearly	ADV
fsr-3470	49	25	identical	identical	ADJ
fsr-3470	49	26	alternatives	alternative	NOUN
fsr-3470	49	27	exist	exist	VERB
fsr-3470	49	28	.	.	PUNCT
fsr-3470	50	1	for	for	ADP
fsr-3470	50	2	securities	security	NOUN
fsr-3470	50	3	regulators	regulator	NOUN
fsr-3470	50	4	,	,	PUNCT
fsr-3470	50	5	the	the	DET
fsr-3470	50	6	asset	asset	NOUN
fsr-3470	50	7	selection	selection	NOUN
fsr-3470	50	8	decision	decision	NOUN
fsr-3470	50	9	is	be	AUX
fsr-3470	50	10	arguably	arguably	ADV
fsr-3470	50	11	the	the	DET
fsr-3470	50	12	most	most	ADV
fsr-3470	50	13	relevant	relevant	ADJ
fsr-3470	50	14	to	to	ADP
fsr-3470	50	15	policy	policy	NOUN
fsr-3470	50	16	levers	lever	NOUN
fsr-3470	50	17	given	give	VERB
fsr-3470	50	18	that	that	SCONJ
fsr-3470	50	19	disclosures	disclosure	NOUN
fsr-3470	50	20	tend	tend	VERB
fsr-3470	50	21	to	to	PART
fsr-3470	50	22	contain	contain	VERB
fsr-3470	50	23	information	information	NOUN
fsr-3470	50	24	relevant	relevant	ADJ
fsr-3470	50	25	to	to	ADP
fsr-3470	50	26	investment	investment	NOUN
fsr-3470	50	27	selection	selection	NOUN
fsr-3470	50	28	and	and	CCONJ
fsr-3470	50	29	management	management	NOUN
fsr-3470	50	30	decisions	decision	NOUN
fsr-3470	50	31	rather	rather	ADV
fsr-3470	50	32	than	than	ADP
fsr-3470	50	33	participation	participation	NOUN
fsr-3470	50	34	decisions	decision	NOUN
fsr-3470	50	35	.	.	PUNCT
fsr-3470	51	1	these	these	DET
fsr-3470	51	2	concerns	concern	NOUN
fsr-3470	51	3	motivated	motivate	VERB
fsr-3470	51	4	us	we	PRON
fsr-3470	51	5	to	to	PART
fsr-3470	51	6	develop	develop	VERB
fsr-3470	51	7	an	an	DET
fsr-3470	51	8	index	index	NOUN
fsr-3470	51	9	that	that	PRON
fsr-3470	51	10	more	more	ADV
fsr-3470	51	11	specifically	specifically	ADV
fsr-3470	51	12	focuses	focus	VERB
fsr-3470	51	13	on	on	ADP
fsr-3470	51	14	technical	technical	ADJ
fsr-3470	51	15	knowledge	knowledge	NOUN
fsr-3470	51	16	geared	gear	VERB
fsr-3470	51	17	towards	towards	ADP
fsr-3470	51	18	asset	asset	NOUN
fsr-3470	51	19	selection	selection	NOUN
fsr-3470	51	20	decisions	decision	NOUN
fsr-3470	51	21	that	that	PRON
fsr-3470	51	22	are	be	AUX
fsr-3470	51	23	most	most	ADV
fsr-3470	51	24	relevant	relevant	ADJ
fsr-3470	51	25	in	in	ADP
fsr-3470	51	26	the	the	DET
fsr-3470	51	27	policy	policy	NOUN
fsr-3470	51	28	and	and	CCONJ
fsr-3470	51	29	research	research	NOUN
fsr-3470	51	30	contexts	context	NOUN
fsr-3470	51	31	we	we	PRON
fsr-3470	51	32	study	study	VERB
fsr-3470	51	33	.	.	PUNCT
fsr-3470	52	1	technical	technical	ADJ
fsr-3470	52	2	knowledge	knowledge	NOUN
fsr-3470	52	3	of	of	ADP
fsr-3470	52	4	investment	investment	NOUN
fsr-3470	52	5	products	product	NOUN
fsr-3470	52	6	would	would	AUX
fsr-3470	52	7	seem	seem	VERB
fsr-3470	52	8	a	a	DET
fsr-3470	52	9	prerequisite	prerequisite	NOUN
fsr-3470	52	10	to	to	ADP
fsr-3470	52	11	good	good	ADJ
fsr-3470	52	12	investor	investor	NOUN
fsr-3470	52	13	decision	decision	NOUN
fsr-3470	52	14	making	making	NOUN
fsr-3470	52	15	—	—	PUNCT
fsr-3470	52	16	after	after	ADV
fsr-3470	52	17	all	all	ADV
fsr-3470	52	18	,	,	PUNCT
fsr-3470	52	19	if	if	SCONJ
fsr-3470	52	20	an	an	DET
fsr-3470	52	21	investor	investor	NOUN
fsr-3470	52	22	does	do	AUX
fsr-3470	52	23	not	not	PART
fsr-3470	52	24	understand	understand	VERB
fsr-3470	52	25	fees	fee	NOUN
fsr-3470	52	26	,	,	PUNCT
fsr-3470	52	27	where	where	SCONJ
fsr-3470	52	28	they	they	PRON
fsr-3470	52	29	may	may	AUX
fsr-3470	52	30	be	be	AUX
fsr-3470	52	31	hidden	hide	VERB
fsr-3470	52	32	,	,	PUNCT
fsr-3470	52	33	or	or	CCONJ
fsr-3470	52	34	how	how	SCONJ
fsr-3470	52	35	to	to	PART
fsr-3470	52	36	identify	identify	VERB
fsr-3470	52	37	them	they	PRON
fsr-3470	52	38	in	in	ADP
fsr-3470	52	39	the	the	DET
fsr-3470	52	40	disclosures	disclosure	NOUN
fsr-3470	52	41	,	,	PUNCT
fsr-3470	52	42	they	they	PRON
fsr-3470	52	43	ultimately	ultimately	ADV
fsr-3470	52	44	may	may	AUX
fsr-3470	52	45	not	not	PART
fsr-3470	52	46	even	even	ADV
fsr-3470	52	47	know	know	VERB
fsr-3470	52	48	the	the	DET
fsr-3470	52	49	choice	choice	NOUN
fsr-3470	52	50	dimensions	dimension	NOUN
fsr-3470	52	51	on	on	ADP
fsr-3470	52	52	which	which	PRON
fsr-3470	52	53	they	they	PRON
fsr-3470	52	54	should	should	AUX
fsr-3470	52	55	be	be	AUX
fsr-3470	52	56	optimizing	optimize	VERB
fsr-3470	52	57	.	.	PUNCT
fsr-3470	53	1	the	the	DET
fsr-3470	53	2	focus	focus	NOUN
fsr-3470	53	3	on	on	ADP
fsr-3470	53	4	technical	technical	ADJ
fsr-3470	53	5	knowledge	knowledge	NOUN
fsr-3470	53	6	recognizes	recognize	VERB
fsr-3470	53	7	that	that	SCONJ
fsr-3470	53	8	disclosures	disclosure	NOUN
fsr-3470	53	9	are	be	AUX
fsr-3470	53	10	typically	typically	ADV
fsr-3470	53	11	written	write	VERB
fsr-3470	53	12	by	by	ADP
fsr-3470	53	13	securities	security	NOUN
fsr-3470	53	14	attorneys	attorney	NOUN
fsr-3470	53	15	with	with	ADP
fsr-3470	53	16	specialized	specialized	ADJ
fsr-3470	53	17	knowledge	knowledge	NOUN
fsr-3470	53	18	of	of	ADP
fsr-3470	53	19	the	the	DET
fsr-3470	53	20	subject	subject	NOUN
fsr-3470	53	21	matter	matter	NOUN
fsr-3470	53	22	,	,	PUNCT
fsr-3470	53	23	and	and	CCONJ
fsr-3470	53	24	are	be	AUX
fsr-3470	53	25	often	often	ADV
fsr-3470	53	26	intended	intend	VERB
fsr-3470	53	27	for	for	ADP
fsr-3470	53	28	multiple	multiple	ADJ
fsr-3470	53	29	audiences	audience	NOUN
fsr-3470	53	30	:	:	PUNCT
fsr-3470	53	31	from	from	ADP
fsr-3470	53	32	mutual	mutual	ADJ
fsr-3470	53	33	fund	fund	NOUN
fsr-3470	53	34	experts	expert	NOUN
fsr-3470	53	35	to	to	ADP
fsr-3470	53	36	ordinary	ordinary	ADJ
fsr-3470	53	37	investors	investor	NOUN
fsr-3470	53	38	with	with	ADP
fsr-3470	53	39	limited	limited	ADJ
fsr-3470	53	40	investment	investment	NOUN
fsr-3470	53	41	experience	experience	NOUN
fsr-3470	53	42	.	.	PUNCT
fsr-3470	54	1	over	over	ADP
fsr-3470	54	2	time	time	NOUN
fsr-3470	54	3	,	,	PUNCT
fsr-3470	54	4	much	much	ADJ
fsr-3470	54	5	criticism	criticism	NOUN
fsr-3470	54	6	has	have	AUX
fsr-3470	54	7	been	be	AUX
fsr-3470	54	8	levied	levy	VERB
fsr-3470	54	9	at	at	ADP
fsr-3470	54	10	disclosures	disclosure	NOUN
fsr-3470	54	11	that	that	PRON
fsr-3470	54	12	are	be	AUX
fsr-3470	54	13	not	not	PART
fsr-3470	54	14	informative	informative	ADJ
fsr-3470	54	15	for	for	ADP
fsr-3470	54	16	retail	retail	ADJ
fsr-3470	54	17	investors.6	investors.6	PROPN
fsr-3470	54	18	our	our	PRON
fsr-3470	54	19	broad	broad	ADJ
fsr-3470	54	20	view	view	NOUN
fsr-3470	54	21	is	be	AUX
fsr-3470	54	22	that	that	SCONJ
fsr-3470	54	23	general	general	ADJ
fsr-3470	54	24	financial	financial	ADJ
fsr-3470	54	25	literacy	literacy	NOUN
fsr-3470	54	26	may	may	AUX
fsr-3470	54	27	be	be	AUX
fsr-3470	54	28	informative	informative	ADJ
fsr-3470	54	29	about	about	ADP
fsr-3470	54	30	respondent	respondent	NOUN
fsr-3470	54	31	inclusion	inclusion	NOUN
fsr-3470	54	32	of	of	ADP
fsr-3470	54	33	mutual	mutual	ADJ
fsr-3470	54	34	funds	fund	NOUN
fsr-3470	54	35	in	in	ADP
fsr-3470	54	36	their	their	PRON
fsr-3470	54	37	portfolios	portfolio	NOUN
fsr-3470	54	38	,	,	PUNCT
fsr-3470	54	39	but	but	CCONJ
fsr-3470	54	40	believe	believe	VERB
fsr-3470	54	41	our	our	PRON
fsr-3470	54	42	measure	measure	NOUN
fsr-3470	54	43	of	of	ADP
fsr-3470	54	44	knowledge	knowledge	NOUN
fsr-3470	54	45	may	may	AUX
fsr-3470	54	46	provide	provide	VERB
fsr-3470	54	47	additional	additional	ADJ
fsr-3470	54	48	insight	insight	NOUN
fsr-3470	54	49	on	on	ADP
fsr-3470	54	50	the	the	DET
fsr-3470	54	51	respondent	respondent	NOUN
fsr-3470	54	52	’s	’s	PART
fsr-3470	54	53	ability	ability	NOUN
fsr-3470	54	54	to	to	PART
fsr-3470	54	55	distinguish	distinguish	VERB
fsr-3470	54	56	between	between	ADP
fsr-3470	54	57	products	product	NOUN
fsr-3470	54	58	in	in	ADP
fsr-3470	54	59	the	the	DET
fsr-3470	54	60	marketplace	marketplace	NOUN
fsr-3470	54	61	.	.	PUNCT
fsr-3470	55	1	it	it	PRON
fsr-3470	55	2	is	be	AUX
fsr-3470	55	3	households	household	NOUN
fsr-3470	55	4	’	'	PUNCT
fsr-3470	55	5	propensity	propensity	NOUN
fsr-3470	55	6	for	for	ADP
fsr-3470	55	7	making	make	VERB
fsr-3470	55	8	technical	technical	ADJ
fsr-3470	55	9	mistakes	mistake	NOUN
fsr-3470	55	10	in	in	ADP
fsr-3470	55	11	mutual	mutual	ADJ
fsr-3470	55	12	fund	fund	NOUN
fsr-3470	55	13	choice	choice	NOUN
fsr-3470	55	14	decisions	decision	NOUN
fsr-3470	55	15	that	that	PRON
fsr-3470	55	16	we	we	PRON
fsr-3470	55	17	attempt	attempt	VERB
fsr-3470	55	18	to	to	PART
fsr-3470	55	19	assess	assess	VERB
fsr-3470	55	20	in	in	ADP
fsr-3470	55	21	our	our	PRON
fsr-3470	55	22	measure	measure	NOUN
fsr-3470	55	23	of	of	ADP
fsr-3470	55	24	knowledge	knowledge	NOUN
fsr-3470	55	25	;	;	PUNCT
fsr-3470	55	26	arguably	arguably	ADV
fsr-3470	55	27	,	,	PUNCT
fsr-3470	55	28	such	such	ADJ
fsr-3470	55	29	propensities	propensity	NOUN
fsr-3470	55	30	should	should	AUX
fsr-3470	55	31	be	be	AUX
fsr-3470	55	32	of	of	ADP
fsr-3470	55	33	interest	interest	NOUN
fsr-3470	55	34	to	to	ADP
fsr-3470	55	35	policymakers	policymaker	NOUN
fsr-3470	55	36	and	and	CCONJ
fsr-3470	55	37	researchers	researcher	NOUN
fsr-3470	55	38	interested	interested	ADJ
fsr-3470	55	39	in	in	ADP
fsr-3470	55	40	promoting	promote	VERB
fsr-3470	55	41	better	well	ADJ
fsr-3470	55	42	investor	investor	NOUN
fsr-3470	55	43	decision	decision	NOUN
fsr-3470	55	44	making	making	NOUN
fsr-3470	55	45	.	.	PUNCT
fsr-3470	56	1	ultimately	ultimately	ADV
fsr-3470	56	2	,	,	PUNCT
fsr-3470	56	3	the	the	DET
fsr-3470	56	4	relative	relative	ADJ
fsr-3470	56	5	value	value	NOUN
fsr-3470	56	6	of	of	ADP
fsr-3470	56	7	any	any	DET
fsr-3470	56	8	measure	measure	NOUN
fsr-3470	56	9	of	of	ADP
fsr-3470	56	10	knowledge	knowledge	NOUN
fsr-3470	56	11	in	in	ADP
fsr-3470	56	12	a	a	DET
fsr-3470	56	13	particular	particular	ADJ
fsr-3470	56	14	context	context	NOUN
fsr-3470	56	15	is	be	AUX
fsr-3470	56	16	an	an	DET
fsr-3470	56	17	empirical	empirical	ADJ
fsr-3470	56	18	question	question	NOUN
fsr-3470	56	19	that	that	PRON
fsr-3470	56	20	we	we	PRON
fsr-3470	56	21	study	study	VERB
fsr-3470	56	22	in	in	ADP
fsr-3470	56	23	this	this	DET
fsr-3470	56	24	article	article	NOUN
fsr-3470	56	25	;	;	PUNCT
fsr-3470	56	26	here	here	ADV
fsr-3470	56	27	,	,	PUNCT
fsr-3470	56	28	we	we	PRON
fsr-3470	56	29	provide	provide	VERB
fsr-3470	56	30	extensive	extensive	ADJ
fsr-3470	56	31	evidence	evidence	NOUN
fsr-3470	56	32	that	that	PRON
fsr-3470	56	33	demonstrates	demonstrate	VERB
fsr-3470	56	34	the	the	DET
fsr-3470	56	35	utility	utility	NOUN
fsr-3470	56	36	of	of	ADP
fsr-3470	56	37	our	our	PRON
fsr-3470	56	38	knowledge	knowledge	NOUN
fsr-3470	56	39	index	index	NOUN
fsr-3470	56	40	.	.	PUNCT
fsr-3470	57	1	regrettably	regrettably	ADV
fsr-3470	57	2	,	,	PUNCT
fsr-3470	57	3	the	the	DET
fsr-3470	57	4	picture	picture	NOUN
fsr-3470	57	5	we	we	PRON
fsr-3470	57	6	paint	paint	VERB
fsr-3470	57	7	about	about	ADP
fsr-3470	57	8	mutual	mutual	ADJ
fsr-3470	57	9	fund	fund	NOUN
fsr-3470	57	10	knowledge	knowledge	NOUN
fsr-3470	57	11	in	in	ADP
fsr-3470	57	12	the	the	DET
fsr-3470	57	13	population	population	NOUN
fsr-3470	57	14	is	be	AUX
fsr-3470	57	15	somewhat	somewhat	ADV
fsr-3470	57	16	bleak	bleak	ADJ
fsr-3470	57	17	.	.	PUNCT
fsr-3470	58	1	overall	overall	ADJ
fsr-3470	58	2	knowledge	knowledge	NOUN
fsr-3470	58	3	scores	score	NOUN
fsr-3470	58	4	are	be	AUX
fsr-3470	58	5	quite	quite	ADV
fsr-3470	58	6	low	low	ADJ
fsr-3470	58	7	with	with	ADP
fsr-3470	58	8	many	many	ADJ
fsr-3470	58	9	respondents	respondent	NOUN
fsr-3470	58	10	performing	perform	VERB
fsr-3470	58	11	far	far	ADV
fsr-3470	58	12	worse	bad	ADJ
fsr-3470	58	13	than	than	SCONJ
fsr-3470	58	14	if	if	SCONJ
fsr-3470	58	15	they	they	PRON
fsr-3470	58	16	had	have	AUX
fsr-3470	58	17	guessed	guess	VERB
fsr-3470	58	18	randomly	randomly	ADV
fsr-3470	58	19	in	in	ADP
fsr-3470	58	20	responding	respond	VERB
fsr-3470	58	21	to	to	ADP
fsr-3470	58	22	the	the	DET
fsr-3470	58	23	questions	question	NOUN
fsr-3470	58	24	.	.	PUNCT
fsr-3470	59	1	these	these	DET
fsr-3470	59	2	results	result	NOUN
fsr-3470	59	3	are	be	AUX
fsr-3470	59	4	disheartening	dishearten	VERB
fsr-3470	59	5	:	:	PUNCT
fsr-3470	59	6	most	most	ADJ
fsr-3470	59	7	of	of	ADP
fsr-3470	59	8	the	the	DET
fsr-3470	59	9	concepts	concept	NOUN
fsr-3470	59	10	that	that	PRON
fsr-3470	59	11	form	form	VERB
fsr-3470	59	12	a	a	DET
fsr-3470	59	13	potential	potential	ADJ
fsr-3470	59	14	basis	basis	NOUN
fsr-3470	59	15	for	for	ADP
fsr-3470	59	16	informed	informed	ADJ
fsr-3470	59	17	decision	decision	NOUN
fsr-3470	59	18	making	making	NOUN
fsr-3470	59	19	,	,	PUNCT
fsr-3470	59	20	and	and	CCONJ
fsr-3470	59	21	have	have	AUX
fsr-3470	59	22	been	be	AUX
fsr-3470	59	23	mandated	mandate	VERB
fsr-3470	59	24	for	for	ADP
fsr-3470	59	25	inclusion	inclusion	NOUN
fsr-3470	59	26	in	in	ADP
fsr-3470	59	27	disclosures	disclosure	NOUN
fsr-3470	59	28	,	,	PUNCT
fsr-3470	59	29	are	be	AUX
fsr-3470	59	30	not	not	PART
fsr-3470	59	31	broadly	broadly	ADV
fsr-3470	59	32	understood	understand	VERB
fsr-3470	59	33	.	.	PUNCT
fsr-3470	60	1	our	our	PRON
fsr-3470	60	2	findings	finding	NOUN
fsr-3470	60	3	call	call	VERB
fsr-3470	60	4	into	into	ADP
fsr-3470	60	5	question	question	NOUN
fsr-3470	60	6	the	the	DET
fsr-3470	60	7	sufficiency	sufficiency	NOUN
fsr-3470	60	8	of	of	ADP
fsr-3470	60	9	existing	exist	VERB
fsr-3470	60	10	disclosures	disclosure	NOUN
fsr-3470	60	11	as	as	ADP
fsr-3470	60	12	a	a	DET
fsr-3470	60	13	vehicle	vehicle	NOUN
fsr-3470	60	14	for	for	ADP
fsr-3470	60	15	providing	provide	VERB
fsr-3470	60	16	decision	decision	NOUN
fsr-3470	60	17	-	-	PUNCT
fsr-3470	60	18	relevant	relevant	ADJ
fsr-3470	60	19	information	information	NOUN
fsr-3470	60	20	to	to	ADP
fsr-3470	60	21	investors	investor	NOUN
fsr-3470	60	22	,	,	PUNCT
fsr-3470	60	23	and	and	CCONJ
fsr-3470	60	24	also	also	ADV
fsr-3470	60	25	raise	raise	VERB
fsr-3470	60	26	questions	question	NOUN
fsr-3470	60	27	about	about	ADP
fsr-3470	60	28	the	the	DET
fsr-3470	60	29	adequacy	adequacy	NOUN
fsr-3470	60	30	of	of	ADP
fsr-3470	60	31	relying	rely	VERB
fsr-3470	60	32	on	on	ADP
fsr-3470	60	33	disclosure	disclosure	NOUN
fsr-3470	60	34	alone	alone	ADV
fsr-3470	60	35	as	as	ADP
fsr-3470	60	36	such	such	DET
fsr-3470	60	37	a	a	DET
fsr-3470	60	38	prominent	prominent	ADJ
fsr-3470	60	39	method	method	NOUN
fsr-3470	60	40	of	of	ADP
fsr-3470	60	41	promoting	promote	VERB
fsr-3470	60	42	investor	investor	NOUN
fsr-3470	60	43	protection	protection	NOUN
fsr-3470	60	44	.	.	PUNCT
fsr-3470	61	1	the	the	DET
fsr-3470	61	2	results	result	NOUN
fsr-3470	61	3	also	also	ADV
fsr-3470	61	4	challenge	challenge	VERB
fsr-3470	61	5	the	the	DET
fsr-3470	61	6	notion	notion	NOUN
fsr-3470	61	7	that	that	SCONJ
fsr-3470	61	8	financial	financial	ADJ
fsr-3470	61	9	education	education	NOUN
fsr-3470	61	10	on	on	ADP
fsr-3470	61	11	its	its	PRON
fsr-3470	61	12	own	own	ADJ
fsr-3470	61	13	has	have	AUX
fsr-3470	61	14	been	be	AUX
fsr-3470	61	15	sufficient	sufficient	ADJ
fsr-3470	61	16	to	to	PART
fsr-3470	61	17	equip	equip	VERB
fsr-3470	61	18	most	most	ADJ
fsr-3470	61	19	individuals	individual	NOUN
fsr-3470	61	20	with	with	ADP
fsr-3470	61	21	the	the	DET
fsr-3470	61	22	knowledge	knowledge	NOUN
fsr-3470	61	23	and	and	CCONJ
fsr-3470	61	24	skills	skill	NOUN
fsr-3470	61	25	needed	need	VERB
fsr-3470	61	26	to	to	PART
fsr-3470	61	27	successfully	successfully	ADV
fsr-3470	61	28	manage	manage	VERB
fsr-3470	61	29	their	their	PRON
fsr-3470	61	30	own	own	ADJ
fsr-3470	61	31	investments	investment	NOUN
fsr-3470	61	32	:	:	PUNCT
fsr-3470	61	33	either	either	CCONJ
fsr-3470	61	34	that	that	SCONJ
fsr-3470	61	35	education	education	NOUN
fsr-3470	61	36	has	have	AUX
fsr-3470	61	37	been	be	AUX
fsr-3470	61	38	insufficiently	insufficiently	ADV
fsr-3470	61	39	widespread	widespread	ADJ
fsr-3470	61	40	,	,	PUNCT
fsr-3470	61	41	or	or	CCONJ
fsr-3470	61	42	its	its	PRON
fsr-3470	61	43	efficacy	efficacy	NOUN
fsr-3470	61	44	may	may	AUX
fsr-3470	61	45	be	be	AUX
fsr-3470	61	46	limited	limit	VERB
fsr-3470	61	47	;	;	PUNCT
fsr-3470	61	48	whatever	whatever	PRON
fsr-3470	61	49	the	the	DET
fsr-3470	61	50	reason	reason	NOUN
fsr-3470	61	51	,	,	PUNCT
fsr-3470	61	52	we	we	PRON
fsr-3470	61	53	do	do	AUX
fsr-3470	61	54	not	not	PART
fsr-3470	61	55	find	find	VERB
fsr-3470	61	56	a	a	DET
fsr-3470	61	57	sufficient	sufficient	ADJ
fsr-3470	61	58	level	level	NOUN
fsr-3470	61	59	of	of	ADP
fsr-3470	61	60	pass	pass	NOUN
fsr-3470	61	61	-	-	PUNCT
fsr-3470	61	62	through	through	NOUN
fsr-3470	61	63	from	from	ADP
fsr-3470	61	64	education	education	NOUN
fsr-3470	61	65	to	to	ADP
fsr-3470	61	66	decision	decision	NOUN
fsr-3470	61	67	-	-	PUNCT
fsr-3470	61	68	relevant	relevant	ADJ
fsr-3470	61	69	knowledge	knowledge	NOUN
fsr-3470	61	70	at	at	ADP
fsr-3470	61	71	the	the	DET
fsr-3470	61	72	population	population	NOUN
fsr-3470	61	73	-	-	PUNCT
fsr-3470	61	74	level	level	NOUN
fsr-3470	61	75	.	.	PUNCT
fsr-3470	62	1	these	these	DET
fsr-3470	62	2	results	result	NOUN
fsr-3470	62	3	are	be	AUX
fsr-3470	62	4	particularly	particularly	ADV
fsr-3470	62	5	troubling	troubling	ADJ
fsr-3470	62	6	especially	especially	ADV
fsr-3470	62	7	in	in	ADP
fsr-3470	62	8	light	light	NOUN
fsr-3470	62	9	of	of	ADP
fsr-3470	62	10	the	the	DET
fsr-3470	62	11	importance	importance	NOUN
fsr-3470	62	12	of	of	ADP
fsr-3470	62	13	mutual	mutual	ADJ
fsr-3470	62	14	funds	fund	NOUN
fsr-3470	62	15	to	to	ADP
fsr-3470	62	16	education	education	NOUN
fsr-3470	62	17	and	and	CCONJ
fsr-3470	62	18	savings	saving	NOUN
fsr-3470	62	19	(	(	PUNCT
fsr-3470	62	20	scholl	scholl	PROPN
fsr-3470	62	21	&	&	CCONJ
fsr-3470	62	22	hung	hung	PROPN
fsr-3470	62	23	,	,	PUNCT
fsr-3470	62	24	2018	2018	NUM
fsr-3470	62	25	)	)	PUNCT
fsr-3470	62	26	.	.	PUNCT
fsr-3470	63	1	moreover	moreover	ADV
fsr-3470	63	2	,	,	PUNCT
fsr-3470	63	3	while	while	SCONJ
fsr-3470	63	4	fees	fee	NOUN
fsr-3470	63	5	are	be	AUX
fsr-3470	63	6	widely	widely	ADV
fsr-3470	63	7	considered	consider	VERB
fsr-3470	63	8	among	among	ADP
fsr-3470	63	9	the	the	DET
fsr-3470	63	10	most	most	ADJ
fsr-3470	63	11	34	34	NUM
fsr-3470	63	12	b.	b.	PROPN
fsr-3470	63	13	scholl	scholl	PROPN
fsr-3470	63	14	and	and	CCONJ
fsr-3470	63	15	a.	a.	NOUN
fsr-3470	63	16	fontes	fontes	PROPN
fsr-3470	63	17	/	/	SYM
fsr-3470	63	18	financial	financial	ADJ
fsr-3470	63	19	services	service	NOUN
fsr-3470	63	20	review	review	VERB
fsr-3470	63	21	30	30	NUM
fsr-3470	63	22	(	(	PUNCT
fsr-3470	63	23	2022	2022	NUM
fsr-3470	63	24	)	)	PUNCT
fsr-3470	63	25	31–56	31–56	NUM
fsr-3470	63	26	important	important	ADJ
fsr-3470	63	27	and	and	CCONJ
fsr-3470	63	28	controllable	controllable	ADJ
fsr-3470	63	29	feature	feature	NOUN
fsr-3470	63	30	on	on	ADP
fsr-3470	63	31	which	which	PRON
fsr-3470	63	32	to	to	PART
fsr-3470	63	33	make	make	VERB
fsr-3470	63	34	choices	choice	NOUN
fsr-3470	63	35	,	,	PUNCT
fsr-3470	63	36	see	see	VERB
fsr-3470	63	37	,	,	PUNCT
fsr-3470	63	38	for	for	ADP
fsr-3470	63	39	example	example	NOUN
fsr-3470	63	40	,	,	PUNCT
fsr-3470	63	41	(	(	PUNCT
fsr-3470	63	42	barber	barber	PROPN
fsr-3470	63	43	et	et	PROPN
fsr-3470	63	44	al	al	PROPN
fsr-3470	63	45	.	.	PROPN
fsr-3470	63	46	,	,	PUNCT
fsr-3470	63	47	2005	2005	NUM
fsr-3470	63	48	;	;	PUNCT
fsr-3470	63	49	choi	choi	NOUN
fsr-3470	63	50	et	et	PROPN
fsr-3470	63	51	al	al	PROPN
fsr-3470	63	52	.	.	PROPN
fsr-3470	63	53	,	,	PUNCT
fsr-3470	63	54	2010	2010	NUM
fsr-3470	63	55	;	;	PUNCT
fsr-3470	63	56	carhart	carhart	NOUN
fsr-3470	63	57	,	,	PUNCT
fsr-3470	63	58	1997	1997	NUM
fsr-3470	63	59	;	;	PUNCT
fsr-3470	63	60	sec	sec	PROPN
fsr-3470	63	61	office	office	NOUN
fsr-3470	63	62	of	of	ADP
fsr-3470	63	63	investor	investor	NOUN
fsr-3470	63	64	education	education	NOUN
fsr-3470	63	65	and	and	CCONJ
fsr-3470	63	66	advocacy	advocacy	NOUN
fsr-3470	63	67	2016	2016	NUM
fsr-3470	63	68	)	)	PUNCT
fsr-3470	63	69	,	,	PUNCT
fsr-3470	63	70	virtually	virtually	ADV
fsr-3470	63	71	every	every	DET
fsr-3470	63	72	subgroup	subgroup	NOUN
fsr-3470	63	73	we	we	PRON
fsr-3470	63	74	have	have	AUX
fsr-3470	63	75	examined	examine	VERB
fsr-3470	63	76	has	have	AUX
fsr-3470	63	77	demonstrated	demonstrate	VERB
fsr-3470	63	78	extremely	extremely	ADV
fsr-3470	63	79	poor	poor	ADJ
fsr-3470	63	80	performance	performance	NOUN
fsr-3470	63	81	on	on	ADP
fsr-3470	63	82	fee	fee	NOUN
fsr-3470	63	83	questions.6	questions.6	PROPN
fsr-3470	63	84	our	our	PRON
fsr-3470	63	85	analysis	analysis	NOUN
fsr-3470	63	86	demonstrates	demonstrate	VERB
fsr-3470	63	87	the	the	DET
fsr-3470	63	88	potential	potential	NOUN
fsr-3470	63	89	of	of	ADP
fsr-3470	63	90	our	our	PRON
fsr-3470	63	91	knowledge	knowledge	NOUN
fsr-3470	63	92	index	index	NOUN
fsr-3470	63	93	to	to	PART
fsr-3470	63	94	serve	serve	VERB
fsr-3470	63	95	as	as	ADP
fsr-3470	63	96	a	a	DET
fsr-3470	63	97	measurement	measurement	NOUN
fsr-3470	63	98	tool	tool	NOUN
fsr-3470	63	99	to	to	PART
fsr-3470	63	100	explain	explain	VERB
fsr-3470	63	101	a	a	DET
fsr-3470	63	102	host	host	NOUN
fsr-3470	63	103	of	of	ADP
fsr-3470	63	104	household	household	NOUN
fsr-3470	63	105	financial	financial	ADJ
fsr-3470	63	106	concerns	concern	NOUN
fsr-3470	63	107	including	include	VERB
fsr-3470	63	108	investment	investment	NOUN
fsr-3470	63	109	participation	participation	NOUN
fsr-3470	63	110	(	(	PUNCT
fsr-3470	63	111	i.e.	i.e.	X
fsr-3470	63	112	,	,	PUNCT
fsr-3470	63	113	ownership	ownership	NOUN
fsr-3470	63	114	of	of	ADP
fsr-3470	63	115	investment	investment	NOUN
fsr-3470	63	116	accounts	account	NOUN
fsr-3470	63	117	and/or	and/or	CCONJ
fsr-3470	63	118	financial	financial	ADJ
fsr-3470	63	119	securities	security	NOUN
fsr-3470	63	120	)	)	PUNCT
fsr-3470	63	121	,	,	PUNCT
fsr-3470	63	122	financial	financial	ADJ
fsr-3470	63	123	well	well	NOUN
fsr-3470	63	124	-	-	PUNCT
fsr-3470	63	125	being	being	NOUN
fsr-3470	63	126	,	,	PUNCT
fsr-3470	63	127	and	and	CCONJ
fsr-3470	63	128	fee	fee	NOUN
fsr-3470	63	129	computation	computation	NOUN
fsr-3470	63	130	skill	skill	NOUN
fsr-3470	63	131	.	.	PUNCT
fsr-3470	64	1	other	other	ADJ
fsr-3470	64	2	emergent	emergent	ADJ
fsr-3470	64	3	work	work	NOUN
fsr-3470	64	4	has	have	AUX
fsr-3470	64	5	also	also	ADV
fsr-3470	64	6	demonstrated	demonstrate	VERB
fsr-3470	64	7	the	the	DET
fsr-3470	64	8	utility	utility	NOUN
fsr-3470	64	9	of	of	ADP
fsr-3470	64	10	the	the	DET
fsr-3470	64	11	measure	measure	NOUN
fsr-3470	64	12	in	in	ADP
fsr-3470	64	13	other	other	ADJ
fsr-3470	64	14	contexts	contexts	NOUN
fsr-3470	64	15	(	(	PUNCT
fsr-3470	64	16	e.g.	e.g.	ADV
fsr-3470	64	17	,	,	PUNCT
fsr-3470	64	18	chin	chin	PROPN
fsr-3470	64	19	,	,	PUNCT
fsr-3470	64	20	scholl	scholl	PROPN
fsr-3470	64	21	,	,	PUNCT
fsr-3470	64	22	&	&	CCONJ
fsr-3470	64	23	vanepps	vanepps	PROPN
fsr-3470	64	24	,	,	PUNCT
fsr-3470	64	25	2021	2021	NUM
fsr-3470	64	26	;	;	PUNCT
fsr-3470	64	27	scholl	scholl	PROPN
fsr-3470	64	28	,	,	PUNCT
fsr-3470	64	29	2020	2020	NUM
fsr-3470	64	30	)	)	PUNCT
fsr-3470	64	31	.	.	PUNCT
fsr-3470	65	1	this	this	DET
fsr-3470	65	2	article	article	NOUN
fsr-3470	65	3	proceeds	proceed	VERB
fsr-3470	65	4	as	as	SCONJ
fsr-3470	65	5	follows	follow	VERB
fsr-3470	65	6	:	:	PUNCT
fsr-3470	65	7	section	section	NOUN
fsr-3470	65	8	2	2	NUM
fsr-3470	65	9	provides	provide	VERB
fsr-3470	65	10	a	a	DET
fsr-3470	65	11	comprehensive	comprehensive	ADJ
fsr-3470	65	12	review	review	NOUN
fsr-3470	65	13	of	of	ADP
fsr-3470	65	14	relevant	relevant	ADJ
fsr-3470	65	15	literature	literature	NOUN
fsr-3470	65	16	;	;	PUNCT
fsr-3470	65	17	section	section	NOUN
fsr-3470	65	18	3	3	NUM
fsr-3470	65	19	describes	describe	VERB
fsr-3470	65	20	the	the	DET
fsr-3470	65	21	individual	individual	ADJ
fsr-3470	65	22	items	item	NOUN
fsr-3470	65	23	and	and	CCONJ
fsr-3470	65	24	methodology	methodology	NOUN
fsr-3470	65	25	;	;	PUNCT
fsr-3470	65	26	section	section	NOUN
fsr-3470	65	27	4	4	NUM
fsr-3470	65	28	provides	provide	VERB
fsr-3470	65	29	a	a	DET
fsr-3470	65	30	synopsis	synopsis	NOUN
fsr-3470	65	31	of	of	ADP
fsr-3470	65	32	item	item	NOUN
fsr-3470	65	33	and	and	CCONJ
fsr-3470	65	34	cumulative	cumulative	ADJ
fsr-3470	65	35	results	result	NOUN
fsr-3470	65	36	;	;	PUNCT
fsr-3470	65	37	section	section	NOUN
fsr-3470	65	38	5	5	NUM
fsr-3470	65	39	discusses	discuss	VERB
fsr-3470	65	40	index	index	NOUN
fsr-3470	65	41	development	development	NOUN
fsr-3470	65	42	and	and	CCONJ
fsr-3470	65	43	validation	validation	NOUN
fsr-3470	65	44	;	;	PUNCT
fsr-3470	65	45	section	section	NOUN
fsr-3470	65	46	6	6	NUM
fsr-3470	65	47	concludes	conclude	VERB
fsr-3470	65	48	.	.	PUNCT
fsr-3470	66	1	2	2	X
fsr-3470	66	2	.	.	X
fsr-3470	66	3	literature	literature	NOUN
fsr-3470	66	4	our	our	PRON
fsr-3470	66	5	article	article	NOUN
fsr-3470	66	6	speaks	speak	VERB
fsr-3470	66	7	to	to	ADP
fsr-3470	66	8	the	the	DET
fsr-3470	66	9	literature	literature	NOUN
fsr-3470	66	10	on	on	ADP
fsr-3470	66	11	financial	financial	ADJ
fsr-3470	66	12	literacy	literacy	NOUN
fsr-3470	66	13	,	,	PUNCT
fsr-3470	66	14	and	and	CCONJ
fsr-3470	66	15	to	to	ADP
fsr-3470	66	16	a	a	DET
fsr-3470	66	17	lesser	less	ADJ
fsr-3470	66	18	extent	extent	NOUN
fsr-3470	66	19	financial	financial	ADJ
fsr-3470	66	20	education	education	NOUN
fsr-3470	66	21	,	,	PUNCT
fsr-3470	66	22	policy	policy	NOUN
fsr-3470	66	23	work	work	NOUN
fsr-3470	66	24	on	on	ADP
fsr-3470	66	25	the	the	DET
fsr-3470	66	26	role	role	NOUN
fsr-3470	66	27	of	of	ADP
fsr-3470	66	28	financial	financial	ADJ
fsr-3470	66	29	capability	capability	NOUN
fsr-3470	66	30	and	and	CCONJ
fsr-3470	66	31	education	education	NOUN
fsr-3470	66	32	in	in	ADP
fsr-3470	66	33	promoting	promote	VERB
fsr-3470	66	34	better	well	ADJ
fsr-3470	66	35	investment	investment	NOUN
fsr-3470	66	36	outcomes	outcome	NOUN
fsr-3470	66	37	,	,	PUNCT
fsr-3470	66	38	and	and	CCONJ
fsr-3470	66	39	broader	broad	ADJ
fsr-3470	66	40	literature	literature	NOUN
fsr-3470	66	41	on	on	ADP
fsr-3470	66	42	financial	financial	ADJ
fsr-3470	66	43	decision	decision	NOUN
fsr-3470	66	44	making	making	NOUN
fsr-3470	66	45	.	.	PUNCT
fsr-3470	67	1	financial	financial	ADJ
fsr-3470	67	2	literacy	literacy	NOUN
fsr-3470	67	3	has	have	AUX
fsr-3470	67	4	been	be	AUX
fsr-3470	67	5	associated	associate	VERB
fsr-3470	67	6	with	with	ADP
fsr-3470	67	7	a	a	DET
fsr-3470	67	8	wide	wide	ADJ
fsr-3470	67	9	array	array	NOUN
fsr-3470	67	10	of	of	ADP
fsr-3470	67	11	economic	economic	ADJ
fsr-3470	67	12	outcomes	outcome	NOUN
fsr-3470	67	13	such	such	ADJ
fsr-3470	67	14	as	as	ADP
fsr-3470	67	15	debt	debt	NOUN
fsr-3470	67	16	management	management	NOUN
fsr-3470	67	17	,	,	PUNCT
fsr-3470	67	18	wealth	wealth	NOUN
fsr-3470	67	19	accumulation	accumulation	NOUN
fsr-3470	67	20	,	,	PUNCT
fsr-3470	67	21	financial	financial	ADJ
fsr-3470	67	22	vulnerability	vulnerability	NOUN
fsr-3470	67	23	,	,	PUNCT
fsr-3470	67	24	and	and	CCONJ
fsr-3470	67	25	a	a	DET
fsr-3470	67	26	host	host	NOUN
fsr-3470	67	27	of	of	ADP
fsr-3470	67	28	other	other	ADJ
fsr-3470	67	29	economic	economic	ADJ
fsr-3470	67	30	outcomes	outcome	NOUN
fsr-3470	67	31	in	in	ADP
fsr-3470	67	32	the	the	DET
fsr-3470	67	33	united	united	PROPN
fsr-3470	67	34	states	states	PROPN
fsr-3470	67	35	and	and	CCONJ
fsr-3470	67	36	other	other	ADJ
fsr-3470	67	37	countries	country	NOUN
fsr-3470	67	38	(	(	PUNCT
fsr-3470	67	39	lusardi	lusardi	PROPN
fsr-3470	67	40	,	,	PUNCT
fsr-3470	67	41	2008	2008	NUM
fsr-3470	67	42	,	,	PUNCT
fsr-3470	67	43	2012	2012	NUM
fsr-3470	67	44	,	,	PUNCT
fsr-3470	67	45	2019	2019	NUM
fsr-3470	67	46	;	;	PUNCT
fsr-3470	67	47	lusardi	lusardi	PROPN
fsr-3470	67	48	&	&	CCONJ
fsr-3470	67	49	mitchell	mitchell	PROPN
fsr-3470	67	50	,	,	PUNCT
fsr-3470	67	51	2014	2014	NUM
fsr-3470	67	52	;	;	PUNCT
fsr-3470	67	53	lusardi	lusardi	PROPN
fsr-3470	67	54	&	&	CCONJ
fsr-3470	67	55	tufano	tufano	ADJ
fsr-3470	67	56	,	,	PUNCT
fsr-3470	67	57	2009	2009	NUM
fsr-3470	67	58	,	,	PUNCT
fsr-3470	67	59	2015	2015	NUM
fsr-3470	67	60	;	;	PUNCT
fsr-3470	67	61	lusardi	lusardi	PROPN
fsr-3470	67	62	,	,	PUNCT
fsr-3470	67	63	mitchell	mitchell	PROPN
fsr-3470	67	64	,	,	PUNCT
fsr-3470	67	65	&	&	CCONJ
fsr-3470	67	66	curto	curto	PROPN
fsr-3470	67	67	,	,	PUNCT
fsr-3470	67	68	2014	2014	NUM
fsr-3470	67	69	;	;	PUNCT
fsr-3470	67	70	van	van	PROPN
fsr-3470	67	71	rooij	rooij	NOUN
fsr-3470	67	72	,	,	PUNCT
fsr-3470	67	73	lusardi	lusardi	PROPN
fsr-3470	67	74	,	,	PUNCT
fsr-3470	67	75	&	&	CCONJ
fsr-3470	67	76	alessie	alessie	PROPN
fsr-3470	67	77	,	,	PUNCT
fsr-3470	67	78	2011	2011	NUM
fsr-3470	67	79	)	)	PUNCT
fsr-3470	67	80	.	.	PUNCT
fsr-3470	68	1	in	in	ADP
fsr-3470	68	2	these	these	DET
fsr-3470	68	3	studies	study	NOUN
fsr-3470	68	4	,	,	PUNCT
fsr-3470	68	5	literacy	literacy	NOUN
fsr-3470	68	6	is	be	AUX
fsr-3470	68	7	measured	measure	VERB
fsr-3470	68	8	by	by	ADP
fsr-3470	68	9	the	the	DET
fsr-3470	68	10	number	number	NOUN
fsr-3470	68	11	of	of	ADP
fsr-3470	68	12	correct	correct	ADJ
fsr-3470	68	13	responses	response	NOUN
fsr-3470	68	14	to	to	ADP
fsr-3470	68	15	a	a	DET
fsr-3470	68	16	set	set	NOUN
fsr-3470	68	17	of	of	ADP
fsr-3470	68	18	survey	survey	NOUN
fsr-3470	68	19	questions	question	NOUN
fsr-3470	68	20	,	,	PUNCT
fsr-3470	68	21	with	with	ADP
fsr-3470	68	22	by	by	ADP
fsr-3470	68	23	far	far	ADV
fsr-3470	68	24	the	the	DET
fsr-3470	68	25	most	most	ADV
fsr-3470	68	26	widely	widely	ADV
fsr-3470	68	27	accepted	accept	VERB
fsr-3470	68	28	being	be	AUX
fsr-3470	68	29	the	the	DET
fsr-3470	68	30	standard	standard	ADJ
fsr-3470	68	31	set	set	VERB
fsr-3470	68	32	developed	develop	VERB
fsr-3470	68	33	as	as	ADP
fsr-3470	68	34	the	the	DET
fsr-3470	68	35	lusardi	lusardi	PROPN
fsr-3470	68	36	-	-	PUNCT
fsr-3470	68	37	mitchell	mitchell	NOUN
fsr-3470	68	38	“	"	PUNCT
fsr-3470	68	39	e	e	NOUN
fsr-3470	68	40	”	"	PUNCT
fsr-3470	68	41	or	or	CCONJ
fsr-3470	68	42	the	the	DET
fsr-3470	68	43	“	"	PUNCT
fsr-3470	68	44	big	big	ADJ
fsr-3470	68	45	5	5	NUM
fsr-3470	68	46	”	"	PUNCT
fsr-3470	68	47	(	(	PUNCT
fsr-3470	68	48	lusardi	lusardi	PROPN
fsr-3470	68	49	&	&	CCONJ
fsr-3470	68	50	mitchell	mitchell	PROPN
fsr-3470	68	51	,	,	PUNCT
fsr-3470	68	52	2014	2014	NUM
fsr-3470	68	53	,	,	PUNCT
fsr-3470	68	54	2011	2011	NUM
fsr-3470	68	55	;	;	PUNCT
fsr-3470	68	56	lusardi	lusardi	PROPN
fsr-3470	68	57	&	&	CCONJ
fsr-3470	68	58	mitchell	mitchell	PROPN
fsr-3470	68	59	,	,	PUNCT
fsr-3470	68	60	2008	2008	NUM
fsr-3470	68	61	)	)	PUNCT
fsr-3470	68	62	.	.	PUNCT
fsr-3470	69	1	other	other	ADJ
fsr-3470	69	2	work	work	NOUN
fsr-3470	69	3	has	have	AUX
fsr-3470	69	4	extended	extend	VERB
fsr-3470	69	5	these	these	DET
fsr-3470	69	6	standard	standard	ADJ
fsr-3470	69	7	questions	question	NOUN
fsr-3470	69	8	(	(	PUNCT
fsr-3470	69	9	e.g.	e.g.	ADV
fsr-3470	69	10	,	,	PUNCT
fsr-3470	69	11	lin	lin	PROPN
fsr-3470	69	12	et	et	PROPN
fsr-3470	69	13	al	al	PROPN
fsr-3470	69	14	.	.	PROPN
fsr-3470	69	15	,	,	PUNCT
fsr-3470	69	16	2019	2019	NUM
fsr-3470	69	17	;	;	PUNCT
fsr-3470	69	18	lusardi	lusardi	NOUN
fsr-3470	69	19	,	,	PUNCT
fsr-3470	69	20	2008	2008	NUM
fsr-3470	69	21	)	)	PUNCT
fsr-3470	69	22	,	,	PUNCT
fsr-3470	69	23	while	while	SCONJ
fsr-3470	69	24	other	other	ADJ
fsr-3470	69	25	approaches	approach	NOUN
fsr-3470	69	26	to	to	ADP
fsr-3470	69	27	measurement	measurement	NOUN
fsr-3470	69	28	of	of	ADP
fsr-3470	69	29	financial	financial	ADJ
fsr-3470	69	30	literacy	literacy	NOUN
fsr-3470	69	31	are	be	AUX
fsr-3470	69	32	surveyed	survey	VERB
fsr-3470	69	33	in	in	ADP
fsr-3470	69	34	elan	elan	PROPN
fsr-3470	69	35	(	(	PUNCT
fsr-3470	69	36	2011	2011	NUM
fsr-3470	69	37	)	)	PUNCT
fsr-3470	69	38	.	.	PUNCT
fsr-3470	70	1	these	these	DET
fsr-3470	70	2	studies	study	NOUN
fsr-3470	70	3	overwhelmingly	overwhelmingly	ADV
fsr-3470	70	4	find	find	VERB
fsr-3470	70	5	that	that	SCONJ
fsr-3470	70	6	higher	high	ADJ
fsr-3470	70	7	levels	level	NOUN
fsr-3470	70	8	of	of	ADP
fsr-3470	70	9	financial	financial	ADJ
fsr-3470	70	10	literacy	literacy	NOUN
fsr-3470	70	11	are	be	AUX
fsr-3470	70	12	associated	associate	VERB
fsr-3470	70	13	with	with	ADP
fsr-3470	70	14	more	more	ADV
fsr-3470	70	15	favorable	favorable	ADJ
fsr-3470	70	16	financial	financial	ADJ
fsr-3470	70	17	and	and	CCONJ
fsr-3470	70	18	economic	economic	ADJ
fsr-3470	70	19	outcomes	outcome	NOUN
fsr-3470	70	20	(	(	PUNCT
fsr-3470	70	21	while	while	SCONJ
fsr-3470	70	22	also	also	ADV
fsr-3470	70	23	providing	provide	VERB
fsr-3470	70	24	important	important	ADJ
fsr-3470	70	25	tools	tool	NOUN
fsr-3470	70	26	for	for	ADP
fsr-3470	70	27	measurement	measurement	NOUN
fsr-3470	70	28	of	of	ADP
fsr-3470	70	29	knowledge	knowledge	NOUN
fsr-3470	70	30	within	within	ADP
fsr-3470	70	31	the	the	DET
fsr-3470	70	32	population	population	NOUN
fsr-3470	70	33	)	)	PUNCT
fsr-3470	70	34	.	.	PUNCT
fsr-3470	71	1	rather	rather	ADV
fsr-3470	71	2	than	than	ADP
fsr-3470	71	3	using	use	VERB
fsr-3470	71	4	survey	survey	NOUN
fsr-3470	71	5	measures	measure	NOUN
fsr-3470	71	6	,	,	PUNCT
fsr-3470	71	7	calvet	calvet	NOUN
fsr-3470	71	8	,	,	PUNCT
fsr-3470	71	9	campbell	campbell	PROPN
fsr-3470	71	10	,	,	PUNCT
fsr-3470	71	11	and	and	CCONJ
fsr-3470	71	12	sodini	sodini	PROPN
fsr-3470	71	13	(	(	PUNCT
fsr-3470	71	14	2007	2007	NUM
fsr-3470	71	15	)	)	PUNCT
fsr-3470	71	16	measure	measure	NOUN
fsr-3470	71	17	the	the	DET
fsr-3470	71	18	related	related	ADJ
fsr-3470	71	19	concept	concept	NOUN
fsr-3470	71	20	of	of	ADP
fsr-3470	71	21	financial	financial	ADJ
fsr-3470	71	22	sophistication	sophistication	NOUN
fsr-3470	71	23	,	,	PUNCT
fsr-3470	71	24	backing	back	VERB
fsr-3470	71	25	out	out	ADP
fsr-3470	71	26	an	an	DET
fsr-3470	71	27	index	index	NOUN
fsr-3470	71	28	of	of	ADP
fsr-3470	71	29	sophistication	sophistication	NOUN
fsr-3470	71	30	from	from	ADP
fsr-3470	71	31	identifiable	identifiable	ADJ
fsr-3470	71	32	mistakes	mistake	NOUN
fsr-3470	71	33	in	in	ADP
fsr-3470	71	34	observed	observe	VERB
fsr-3470	71	35	household	household	NOUN
fsr-3470	71	36	portfolio	portfolio	NOUN
fsr-3470	71	37	choices	choice	NOUN
fsr-3470	71	38	using	use	VERB
fsr-3470	71	39	swedish	swedish	ADJ
fsr-3470	71	40	administrative	administrative	ADJ
fsr-3470	71	41	data	datum	NOUN
fsr-3470	71	42	,	,	PUNCT
fsr-3470	71	43	although	although	SCONJ
fsr-3470	71	44	that	that	DET
fsr-3470	71	45	approach	approach	NOUN
fsr-3470	71	46	requires	require	VERB
fsr-3470	71	47	data	datum	NOUN
fsr-3470	71	48	that	that	PRON
fsr-3470	71	49	is	be	AUX
fsr-3470	71	50	largely	largely	ADV
fsr-3470	71	51	unavailable	unavailable	ADJ
fsr-3470	71	52	for	for	ADP
fsr-3470	71	53	most	most	ADJ
fsr-3470	71	54	populations	population	NOUN
fsr-3470	71	55	.	.	PUNCT
fsr-3470	72	1	meta	meta	VERB
fsr-3470	72	2	-	-	PUNCT
fsr-3470	72	3	analyses	analysis	NOUN
fsr-3470	72	4	that	that	PRON
fsr-3470	72	5	have	have	AUX
fsr-3470	72	6	altogether	altogether	ADV
fsr-3470	72	7	examined	examine	VERB
fsr-3470	72	8	hundreds	hundred	NOUN
fsr-3470	72	9	of	of	ADP
fsr-3470	72	10	studies	study	NOUN
fsr-3470	72	11	on	on	ADP
fsr-3470	72	12	the	the	DET
fsr-3470	72	13	topic	topic	NOUN
fsr-3470	72	14	have	have	AUX
fsr-3470	72	15	demonstrated	demonstrate	VERB
fsr-3470	72	16	mixed	mixed	ADJ
fsr-3470	72	17	conclusions	conclusion	NOUN
fsr-3470	72	18	as	as	ADP
fsr-3470	72	19	to	to	ADP
fsr-3470	72	20	the	the	DET
fsr-3470	72	21	importance	importance	NOUN
fsr-3470	72	22	of	of	ADP
fsr-3470	72	23	financial	financial	ADJ
fsr-3470	72	24	literacy	literacy	NOUN
fsr-3470	72	25	and	and	CCONJ
fsr-3470	72	26	financial	financial	ADJ
fsr-3470	72	27	education	education	NOUN
fsr-3470	72	28	programs	program	NOUN
fsr-3470	72	29	(	(	PUNCT
fsr-3470	72	30	fernandes	fernande	NOUN
fsr-3470	72	31	et	et	PROPN
fsr-3470	72	32	al	al	PROPN
fsr-3470	72	33	.	.	PROPN
fsr-3470	72	34	,	,	PUNCT
fsr-3470	72	35	2014	2014	NUM
fsr-3470	72	36	;	;	PUNCT
fsr-3470	72	37	kaiser	kaiser	PROPN
fsr-3470	72	38	&	&	CCONJ
fsr-3470	72	39	menkhoff	menkhoff	PROPN
fsr-3470	72	40	,	,	PUNCT
fsr-3470	72	41	2017	2017	NUM
fsr-3470	72	42	,	,	PUNCT
fsr-3470	72	43	2020	2020	NUM
fsr-3470	72	44	)	)	PUNCT
fsr-3470	72	45	.	.	PUNCT
fsr-3470	73	1	the	the	DET
fsr-3470	73	2	topics	topic	NOUN
fsr-3470	73	3	remain	remain	VERB
fsr-3470	73	4	of	of	ADP
fsr-3470	73	5	sustained	sustained	ADJ
fsr-3470	73	6	interest	interest	NOUN
fsr-3470	73	7	,	,	PUNCT
fsr-3470	73	8	with	with	ADP
fsr-3470	73	9	a	a	DET
fsr-3470	73	10	recent	recent	ADJ
fsr-3470	73	11	special	special	ADJ
fsr-3470	73	12	issue	issue	NOUN
fsr-3470	73	13	of	of	ADP
fsr-3470	73	14	the	the	DET
fsr-3470	73	15	economics	economic	NOUN
fsr-3470	73	16	of	of	ADP
fsr-3470	73	17	education	education	NOUN
fsr-3470	73	18	review	review	NOUN
fsr-3470	73	19	providing	provide	VERB
fsr-3470	73	20	a	a	DET
fsr-3470	73	21	wealth	wealth	NOUN
fsr-3470	73	22	of	of	ADP
fsr-3470	73	23	articles	article	NOUN
fsr-3470	73	24	examining	examine	VERB
fsr-3470	73	25	related	related	ADJ
fsr-3470	73	26	issues	issue	NOUN
fsr-3470	73	27	in	in	ADP
fsr-3470	73	28	financial	financial	ADJ
fsr-3470	73	29	literacy	literacy	NOUN
fsr-3470	73	30	and	and	CCONJ
fsr-3470	73	31	education	education	NOUN
fsr-3470	73	32	(	(	PUNCT
fsr-3470	73	33	including	include	VERB
fsr-3470	73	34	davoli	davoli	PROPN
fsr-3470	73	35	&	&	CCONJ
fsr-3470	73	36	rodrı́guez	rodrı́guez	PROPN
fsr-3470	73	37	-	-	PUNCT
fsr-3470	73	38	planas	planas	PROPN
fsr-3470	73	39	,	,	PUNCT
fsr-3470	73	40	2020	2020	NUM
fsr-3470	73	41	;	;	PUNCT
fsr-3470	73	42	kaiser	kaiser	PROPN
fsr-3470	73	43	&	&	CCONJ
fsr-3470	73	44	menkhoff	menkhoff	PROPN
fsr-3470	73	45	,	,	PUNCT
fsr-3470	73	46	2020	2020	NUM
fsr-3470	73	47	;	;	PUNCT
fsr-3470	73	48	lusardi	lusardi	PROPN
fsr-3470	73	49	et	et	PROPN
fsr-3470	73	50	al	al	PROPN
fsr-3470	73	51	.	.	PROPN
fsr-3470	73	52	,	,	PUNCT
fsr-3470	73	53	2020	2020	NUM
fsr-3470	73	54	;	;	PUNCT
fsr-3470	73	55	urban	urban	PROPN
fsr-3470	73	56	et	et	PROPN
fsr-3470	73	57	al	al	PROPN
fsr-3470	73	58	.	.	PROPN
fsr-3470	73	59	,	,	PUNCT
fsr-3470	73	60	2020	2020	NUM
fsr-3470	73	61	)	)	PUNCT
fsr-3470	73	62	.	.	PUNCT
fsr-3470	74	1	hastings	hastings	PROPN
fsr-3470	74	2	,	,	PUNCT
fsr-3470	74	3	madrian	madrian	NOUN
fsr-3470	74	4	,	,	PUNCT
fsr-3470	74	5	and	and	CCONJ
fsr-3470	74	6	skimmyhorn	skimmyhorn	NUM
fsr-3470	74	7	(	(	PUNCT
fsr-3470	74	8	2013	2013	NUM
fsr-3470	74	9	)	)	PUNCT
fsr-3470	74	10	outline	outline	NOUN
fsr-3470	74	11	a	a	DET
fsr-3470	74	12	number	number	NOUN
fsr-3470	74	13	of	of	ADP
fsr-3470	74	14	issues	issue	NOUN
fsr-3470	74	15	and	and	CCONJ
fsr-3470	74	16	raise	raise	VERB
fsr-3470	74	17	a	a	DET
fsr-3470	74	18	number	number	NOUN
fsr-3470	74	19	of	of	ADP
fsr-3470	74	20	outstanding	outstanding	ADJ
fsr-3470	74	21	questions	question	NOUN
fsr-3470	74	22	related	relate	VERB
fsr-3470	74	23	to	to	ADP
fsr-3470	74	24	financial	financial	ADJ
fsr-3470	74	25	literacy	literacy	NOUN
fsr-3470	74	26	,	,	PUNCT
fsr-3470	74	27	including	include	VERB
fsr-3470	74	28	the	the	DET
fsr-3470	74	29	b.	b.	PROPN
fsr-3470	74	30	scholl	scholl	PROPN
fsr-3470	74	31	and	and	CCONJ
fsr-3470	74	32	a.	a.	NOUN
fsr-3470	74	33	fontes	fontes	PROPN
fsr-3470	74	34	/	/	SYM
fsr-3470	74	35	financial	financial	ADJ
fsr-3470	74	36	services	service	NOUN
fsr-3470	74	37	review	review	VERB
fsr-3470	74	38	30	30	NUM
fsr-3470	74	39	(	(	PUNCT
fsr-3470	74	40	2022	2022	NUM
fsr-3470	74	41	)	)	PUNCT
fsr-3470	75	1	31–56	31–56	NUM
fsr-3470	75	2	35	35	NUM
fsr-3470	75	3	very	very	ADJ
fsr-3470	75	4	goals	goal	NOUN
fsr-3470	75	5	related	relate	VERB
fsr-3470	75	6	to	to	ADP
fsr-3470	75	7	research	research	NOUN
fsr-3470	75	8	and	and	CCONJ
fsr-3470	75	9	education	education	NOUN
fsr-3470	75	10	.	.	PUNCT
fsr-3470	76	1	beshears	beshear	NOUN
fsr-3470	76	2	et	et	PROPN
fsr-3470	76	3	al	al	PROPN
fsr-3470	76	4	.	.	PROPN
fsr-3470	77	1	(	(	PUNCT
fsr-3470	77	2	2018	2018	NUM
fsr-3470	77	3	)	)	PUNCT
fsr-3470	77	4	provide	provide	VERB
fsr-3470	77	5	an	an	DET
fsr-3470	77	6	extensive	extensive	ADJ
fsr-3470	77	7	review	review	NOUN
fsr-3470	77	8	of	of	ADP
fsr-3470	77	9	this	this	DET
fsr-3470	77	10	literature	literature	NOUN
fsr-3470	77	11	in	in	ADP
fsr-3470	77	12	behavioral	behavioral	ADJ
fsr-3470	77	13	household	household	NOUN
fsr-3470	77	14	finance	finance	NOUN
fsr-3470	77	15	.	.	PUNCT
fsr-3470	78	1	they	they	PRON
fsr-3470	78	2	conclude	conclude	VERB
fsr-3470	78	3	that	that	SCONJ
fsr-3470	78	4	while	while	SCONJ
fsr-3470	78	5	the	the	DET
fsr-3470	78	6	literature	literature	NOUN
fsr-3470	78	7	has	have	AUX
fsr-3470	78	8	demonstrated	demonstrate	VERB
fsr-3470	78	9	the	the	DET
fsr-3470	78	10	potential	potential	ADJ
fsr-3470	78	11	effectiveness	effectiveness	NOUN
fsr-3470	78	12	of	of	ADP
fsr-3470	78	13	financial	financial	ADJ
fsr-3470	78	14	education	education	NOUN
fsr-3470	78	15	and	and	CCONJ
fsr-3470	78	16	information	information	NOUN
fsr-3470	78	17	interventions	intervention	NOUN
fsr-3470	78	18	,	,	PUNCT
fsr-3470	78	19	they	they	PRON
fsr-3470	78	20	express	express	VERB
fsr-3470	78	21	some	some	DET
fsr-3470	78	22	skepticism	skepticism	NOUN
fsr-3470	78	23	in	in	ADP
fsr-3470	78	24	relation	relation	NOUN
fsr-3470	78	25	to	to	ADP
fsr-3470	78	26	cost	cost	NOUN
fsr-3470	78	27	-	-	PUNCT
fsr-3470	78	28	effectiveness	effectiveness	NOUN
fsr-3470	78	29	.	.	PUNCT
fsr-3470	79	1	while	while	SCONJ
fsr-3470	79	2	these	these	PRON
fsr-3470	79	3	are	be	AUX
fsr-3470	79	4	extensive	extensive	ADJ
fsr-3470	79	5	contributions	contribution	NOUN
fsr-3470	79	6	to	to	ADP
fsr-3470	79	7	the	the	DET
fsr-3470	79	8	debate	debate	NOUN
fsr-3470	79	9	on	on	ADP
fsr-3470	79	10	topics	topic	NOUN
fsr-3470	79	11	of	of	ADP
fsr-3470	79	12	financial	financial	ADJ
fsr-3470	79	13	education	education	NOUN
fsr-3470	79	14	,	,	PUNCT
fsr-3470	79	15	it	it	PRON
fsr-3470	79	16	is	be	AUX
fsr-3470	79	17	important	important	ADJ
fsr-3470	79	18	to	to	PART
fsr-3470	79	19	note	note	VERB
fsr-3470	79	20	that	that	SCONJ
fsr-3470	79	21	we	we	PRON
fsr-3470	79	22	do	do	AUX
fsr-3470	79	23	not	not	PART
fsr-3470	79	24	take	take	VERB
fsr-3470	79	25	a	a	DET
fsr-3470	79	26	perspective	perspective	NOUN
fsr-3470	79	27	in	in	ADP
fsr-3470	79	28	this	this	DET
fsr-3470	79	29	article	article	NOUN
fsr-3470	79	30	on	on	ADP
fsr-3470	79	31	financial	financial	ADJ
fsr-3470	79	32	education	education	NOUN
fsr-3470	79	33	per	per	ADP
fsr-3470	79	34	se	se	X
fsr-3470	79	35	nor	nor	CCONJ
fsr-3470	79	36	its	its	PRON
fsr-3470	79	37	efficacy	efficacy	NOUN
fsr-3470	79	38	:	:	PUNCT
fsr-3470	79	39	we	we	PRON
fsr-3470	79	40	view	view	VERB
fsr-3470	79	41	our	our	PRON
fsr-3470	79	42	article	article	NOUN
fsr-3470	79	43	as	as	ADP
fsr-3470	79	44	focusing	focus	VERB
fsr-3470	79	45	on	on	ADP
fsr-3470	79	46	measurement	measurement	NOUN
fsr-3470	79	47	that	that	PRON
fsr-3470	79	48	can	can	AUX
fsr-3470	79	49	help	help	VERB
fsr-3470	79	50	explain	explain	VERB
fsr-3470	79	51	behavior	behavior	NOUN
fsr-3470	79	52	in	in	ADP
fsr-3470	79	53	certain	certain	ADJ
fsr-3470	79	54	decision	decision	NOUN
fsr-3470	79	55	and	and	CCONJ
fsr-3470	79	56	policy	policy	NOUN
fsr-3470	79	57	contexts	context	NOUN
fsr-3470	79	58	.	.	PUNCT
fsr-3470	80	1	while	while	SCONJ
fsr-3470	80	2	mutual	mutual	ADJ
fsr-3470	80	3	fund	fund	NOUN
fsr-3470	80	4	products	product	NOUN
fsr-3470	80	5	are	be	AUX
fsr-3470	80	6	extremely	extremely	ADV
fsr-3470	80	7	important	important	ADJ
fsr-3470	80	8	to	to	ADP
fsr-3470	80	9	household	household	NOUN
fsr-3470	80	10	investment	investment	NOUN
fsr-3470	80	11	portfolios	portfolio	NOUN
fsr-3470	80	12	(	(	PUNCT
fsr-3470	80	13	scholl	scholl	PROPN
fsr-3470	80	14	&	&	CCONJ
fsr-3470	80	15	hung	hung	PROPN
fsr-3470	80	16	,	,	PUNCT
fsr-3470	80	17	2018	2018	NUM
fsr-3470	80	18	)	)	PUNCT
fsr-3470	80	19	,	,	PUNCT
fsr-3470	80	20	specific	specific	ADJ
fsr-3470	80	21	knowledge	knowledge	NOUN
fsr-3470	80	22	of	of	ADP
fsr-3470	80	23	mutual	mutual	ADJ
fsr-3470	80	24	fund	fund	NOUN
fsr-3470	80	25	features	feature	NOUN
fsr-3470	80	26	has	have	AUX
fsr-3470	80	27	apparently	apparently	ADV
fsr-3470	80	28	received	receive	VERB
fsr-3470	80	29	far	far	ADV
fsr-3470	80	30	less	less	ADJ
fsr-3470	80	31	attention	attention	NOUN
fsr-3470	80	32	than	than	ADP
fsr-3470	80	33	overall	overall	ADJ
fsr-3470	80	34	financial	financial	ADJ
fsr-3470	80	35	literacy	literacy	NOUN
fsr-3470	80	36	.	.	PUNCT
fsr-3470	81	1	muller	muller	NOUN
fsr-3470	81	2	and	and	CCONJ
fsr-3470	81	3	turner	turner	PROPN
fsr-3470	81	4	(	(	PUNCT
fsr-3470	81	5	2021	2021	NUM
fsr-3470	81	6	)	)	PUNCT
fsr-3470	81	7	examine	examine	VERB
fsr-3470	81	8	knowledge	knowledge	NOUN
fsr-3470	81	9	in	in	ADP
fsr-3470	81	10	the	the	DET
fsr-3470	81	11	context	context	NOUN
fsr-3470	81	12	of	of	ADP
fsr-3470	81	13	the	the	DET
fsr-3470	81	14	“	"	PUNCT
fsr-3470	81	15	high	high	ADJ
fsr-3470	81	16	-	-	PUNCT
fsr-3470	81	17	fee	fee	NOUN
fsr-3470	81	18	puzzle	puzzle	NOUN
fsr-3470	81	19	,	,	PUNCT
fsr-3470	81	20	”	"	PUNCT
fsr-3470	81	21	or	or	CCONJ
fsr-3470	81	22	the	the	DET
fsr-3470	81	23	selection	selection	NOUN
fsr-3470	81	24	of	of	ADP
fsr-3470	81	25	strictly	strictly	ADV
fsr-3470	81	26	dominated	dominate	VERB
fsr-3470	81	27	funds	fund	NOUN
fsr-3470	81	28	.	.	PUNCT
fsr-3470	82	1	they	they	PRON
fsr-3470	82	2	find	find	VERB
fsr-3470	82	3	that	that	SCONJ
fsr-3470	82	4	while	while	SCONJ
fsr-3470	82	5	three	three	NUM
fsr-3470	82	6	quarters	quarter	NOUN
fsr-3470	82	7	of	of	ADP
fsr-3470	82	8	their	their	PRON
fsr-3470	82	9	sample	sample	NOUN
fsr-3470	82	10	correctly	correctly	ADV
fsr-3470	82	11	answer	answer	VERB
fsr-3470	82	12	common	common	ADJ
fsr-3470	82	13	financial	financial	ADJ
fsr-3470	82	14	literacy	literacy	NOUN
fsr-3470	82	15	questions	question	NOUN
fsr-3470	82	16	,	,	PUNCT
fsr-3470	82	17	only	only	ADV
fsr-3470	82	18	a	a	DET
fsr-3470	82	19	third	third	NOUN
fsr-3470	82	20	could	could	AUX
fsr-3470	82	21	correctly	correctly	ADV
fsr-3470	82	22	answer	answer	VERB
fsr-3470	82	23	questions	question	NOUN
fsr-3470	82	24	related	relate	VERB
fsr-3470	82	25	to	to	ADP
fsr-3470	82	26	quantifying	quantify	VERB
fsr-3470	82	27	fees	fee	NOUN
fsr-3470	82	28	.	.	PUNCT
fsr-3470	83	1	kahraman	kahraman	NOUN
fsr-3470	83	2	(	(	PUNCT
fsr-3470	83	3	2021	2021	NUM
fsr-3470	83	4	)	)	PUNCT
fsr-3470	83	5	examines	examine	VERB
fsr-3470	83	6	investor	investor	NOUN
fsr-3470	83	7	mistakes	mistake	NOUN
fsr-3470	83	8	in	in	ADP
fsr-3470	83	9	the	the	DET
fsr-3470	83	10	context	context	NOUN
fsr-3470	83	11	of	of	ADP
fsr-3470	83	12	purchasing	purchase	VERB
fsr-3470	83	13	inappropriate	inappropriate	ADJ
fsr-3470	83	14	(	(	PUNCT
fsr-3470	83	15	and	and	CCONJ
fsr-3470	83	16	more	more	ADV
fsr-3470	83	17	expensive	expensive	ADJ
fsr-3470	83	18	than	than	ADP
fsr-3470	83	19	necessary	necessary	ADJ
fsr-3470	83	20	)	)	PUNCT
fsr-3470	83	21	share	share	NOUN
fsr-3470	83	22	classes	class	NOUN
fsr-3470	83	23	for	for	ADP
fsr-3470	83	24	mutual	mutual	ADJ
fsr-3470	83	25	funds	fund	NOUN
fsr-3470	83	26	,	,	PUNCT
fsr-3470	83	27	leading	lead	VERB
fsr-3470	83	28	to	to	ADP
fsr-3470	83	29	real	real	ADJ
fsr-3470	83	30	consequences	consequence	NOUN
fsr-3470	83	31	for	for	ADP
fsr-3470	83	32	investors	investor	NOUN
fsr-3470	83	33	.	.	PUNCT
fsr-3470	84	1	the	the	DET
fsr-3470	84	2	author	author	NOUN
fsr-3470	84	3	presents	present	VERB
fsr-3470	84	4	evidence	evidence	NOUN
fsr-3470	84	5	to	to	PART
fsr-3470	84	6	suggest	suggest	VERB
fsr-3470	84	7	that	that	SCONJ
fsr-3470	84	8	the	the	DET
fsr-3470	84	9	selection	selection	NOUN
fsr-3470	84	10	of	of	ADP
fsr-3470	84	11	these	these	DET
fsr-3470	84	12	inferior	inferior	ADJ
fsr-3470	84	13	share	share	NOUN
fsr-3470	84	14	classes	class	NOUN
fsr-3470	84	15	is	be	AUX
fsr-3470	84	16	a	a	DET
fsr-3470	84	17	form	form	NOUN
fsr-3470	84	18	of	of	ADP
fsr-3470	84	19	exploitation	exploitation	NOUN
fsr-3470	84	20	of	of	ADP
fsr-3470	84	21	investors	investor	NOUN
fsr-3470	84	22	by	by	ADP
fsr-3470	84	23	professionals	professional	NOUN
fsr-3470	84	24	.	.	PUNCT
fsr-3470	85	1	in	in	ADP
fsr-3470	85	2	addition	addition	NOUN
fsr-3470	85	3	,	,	PUNCT
fsr-3470	85	4	the	the	DET
fsr-3470	85	5	author	author	NOUN
fsr-3470	85	6	examines	examine	VERB
fsr-3470	85	7	fee	fee	NOUN
fsr-3470	85	8	-	-	PUNCT
fsr-3470	85	9	flow	flow	NOUN
fsr-3470	85	10	sensitivity	sensitivity	NOUN
fsr-3470	85	11	and	and	CCONJ
fsr-3470	85	12	holding	hold	VERB
fsr-3470	85	13	periods	period	NOUN
fsr-3470	85	14	to	to	PART
fsr-3470	85	15	test	test	VERB
fsr-3470	85	16	whether	whether	SCONJ
fsr-3470	85	17	fund	fund	NOUN
fsr-3470	85	18	flows	flow	NOUN
fsr-3470	85	19	suggest	suggest	VERB
fsr-3470	85	20	rational	rational	ADJ
fsr-3470	85	21	or	or	CCONJ
fsr-3470	85	22	naı̈ve	naı̈ve	ADJ
fsr-3470	85	23	purchase	purchase	NOUN
fsr-3470	85	24	of	of	ADP
fsr-3470	85	25	these	these	DET
fsr-3470	85	26	funds	fund	NOUN
fsr-3470	85	27	,	,	PUNCT
fsr-3470	85	28	concluding	conclude	VERB
fsr-3470	85	29	that	that	SCONJ
fsr-3470	85	30	these	these	PRON
fsr-3470	85	31	are	be	AUX
fsr-3470	85	32	naı̈ve	naı̈ve	ADJ
fsr-3470	85	33	purchases	purchase	NOUN
fsr-3470	85	34	.	.	PUNCT
fsr-3470	86	1	other	other	ADJ
fsr-3470	86	2	recent	recent	ADJ
fsr-3470	86	3	work	work	NOUN
fsr-3470	86	4	has	have	AUX
fsr-3470	86	5	examined	examine	VERB
fsr-3470	86	6	additional	additional	ADJ
fsr-3470	86	7	barriers	barrier	NOUN
fsr-3470	86	8	to	to	ADP
fsr-3470	86	9	investment	investment	NOUN
fsr-3470	86	10	decision	decision	NOUN
fsr-3470	86	11	making	making	NOUN
fsr-3470	86	12	,	,	PUNCT
fsr-3470	86	13	in	in	ADP
fsr-3470	86	14	the	the	DET
fsr-3470	86	15	context	context	NOUN
fsr-3470	86	16	of	of	ADP
fsr-3470	86	17	the	the	DET
fsr-3470	86	18	language	language	NOUN
fsr-3470	86	19	used	use	VERB
fsr-3470	86	20	to	to	PART
fsr-3470	86	21	describe	describe	VERB
fsr-3470	86	22	funds	fund	NOUN
fsr-3470	86	23	.	.	PUNCT
fsr-3470	87	1	chin	chin	PROPN
fsr-3470	87	2	,	,	PUNCT
fsr-3470	87	3	scholl	scholl	PROPN
fsr-3470	87	4	,	,	PUNCT
fsr-3470	87	5	and	and	CCONJ
fsr-3470	87	6	vanepps	vanepps	NOUN
fsr-3470	87	7	(	(	PUNCT
fsr-3470	87	8	2021	2021	NUM
fsr-3470	87	9	)	)	PUNCT
fsr-3470	87	10	study	study	VERB
fsr-3470	87	11	linguistic	linguistic	ADJ
fsr-3470	87	12	barriers	barrier	NOUN
fsr-3470	87	13	to	to	ADP
fsr-3470	87	14	understanding	understand	VERB
fsr-3470	87	15	mutual	mutual	ADJ
fsr-3470	87	16	fund	fund	NOUN
fsr-3470	87	17	fees	fee	NOUN
fsr-3470	87	18	.	.	PUNCT
fsr-3470	88	1	they	they	PRON
fsr-3470	88	2	conduct	conduct	VERB
fsr-3470	88	3	two	two	NUM
fsr-3470	88	4	studies	study	NOUN
fsr-3470	88	5	that	that	PRON
fsr-3470	88	6	suggest	suggest	VERB
fsr-3470	88	7	that	that	SCONJ
fsr-3470	88	8	terminology	terminology	NOUN
fsr-3470	88	9	often	often	ADV
fsr-3470	88	10	used	use	VERB
fsr-3470	88	11	is	be	AUX
fsr-3470	88	12	unintuitive	unintuitive	ADJ
fsr-3470	88	13	for	for	ADP
fsr-3470	88	14	respondents	respondent	NOUN
fsr-3470	88	15	,	,	PUNCT
fsr-3470	88	16	and	and	CCONJ
fsr-3470	88	17	that	that	SCONJ
fsr-3470	88	18	a	a	DET
fsr-3470	88	19	simple	simple	ADJ
fsr-3470	88	20	set	set	NOUN
fsr-3470	88	21	of	of	ADP
fsr-3470	88	22	alternative	alternative	ADJ
fsr-3470	88	23	terms	term	NOUN
fsr-3470	88	24	they	they	PRON
fsr-3470	88	25	test	test	VERB
fsr-3470	88	26	leads	lead	VERB
fsr-3470	88	27	respondents	respondent	NOUN
fsr-3470	88	28	to	to	ADP
fsr-3470	88	29	higher	high	ADJ
fsr-3470	88	30	rates	rate	NOUN
fsr-3470	88	31	of	of	ADP
fsr-3470	88	32	identifying	identify	VERB
fsr-3470	88	33	the	the	DET
fsr-3470	88	34	true	true	ADJ
fsr-3470	88	35	underlying	underlying	ADJ
fsr-3470	88	36	fee	fee	NOUN
fsr-3470	88	37	concept	concept	NOUN
fsr-3470	88	38	.	.	PUNCT
fsr-3470	89	1	scholl	scholl	PROPN
fsr-3470	89	2	,	,	PUNCT
fsr-3470	89	3	silverman	silverman	NOUN
fsr-3470	89	4	,	,	PUNCT
fsr-3470	89	5	and	and	CCONJ
fsr-3470	89	6	enriquez	enriquez	PROPN
fsr-3470	89	7	(	(	PUNCT
fsr-3470	89	8	2020	2020	NUM
fsr-3470	89	9	,	,	PUNCT
fsr-3470	89	10	2021	2021	NUM
fsr-3470	89	11	)	)	PUNCT
fsr-3470	89	12	,	,	PUNCT
fsr-3470	89	13	examine	examine	VERB
fsr-3470	89	14	prospectus	prospectus	NOUN
fsr-3470	89	15	readability	readability	NOUN
fsr-3470	89	16	and	and	CCONJ
fsr-3470	89	17	other	other	ADJ
fsr-3470	89	18	textual	textual	ADJ
fsr-3470	89	19	features	feature	NOUN
fsr-3470	89	20	using	use	VERB
fsr-3470	89	21	natural	natural	ADJ
fsr-3470	89	22	language	language	NOUN
fsr-3470	89	23	processing	processing	NOUN
fsr-3470	89	24	and	and	CCONJ
fsr-3470	89	25	machine	machine	NOUN
fsr-3470	89	26	learning	learn	VERB
fsr-3470	89	27	techniques	technique	NOUN
fsr-3470	89	28	,	,	PUNCT
fsr-3470	89	29	and	and	CCONJ
fsr-3470	89	30	relate	relate	VERB
fsr-3470	89	31	these	these	DET
fsr-3470	89	32	features	feature	NOUN
fsr-3470	89	33	to	to	ADP
fsr-3470	89	34	ex	ex	ADJ
fsr-3470	89	35	-	-	ADJ
fsr-3470	89	36	post	post	ADJ
fsr-3470	89	37	fund	fund	NOUN
fsr-3470	89	38	performance	performance	NOUN
fsr-3470	89	39	.	.	PUNCT
fsr-3470	90	1	readability	readability	NOUN
fsr-3470	90	2	calculated	calculate	VERB
fsr-3470	90	3	using	use	VERB
fsr-3470	90	4	structural	structural	ADJ
fsr-3470	90	5	features	feature	NOUN
fsr-3470	90	6	of	of	ADP
fsr-3470	90	7	prospectus	prospectus	NOUN
fsr-3470	90	8	sentences	sentence	NOUN
fsr-3470	90	9	;	;	PUNCT
fsr-3470	90	10	this	this	DET
fsr-3470	90	11	concept	concept	NOUN
fsr-3470	90	12	is	be	AUX
fsr-3470	90	13	distinct	distinct	ADJ
fsr-3470	90	14	from	from	ADP
fsr-3470	90	15	comprehension	comprehension	NOUN
fsr-3470	90	16	of	of	ADP
fsr-3470	90	17	the	the	DET
fsr-3470	90	18	underlying	underlying	ADJ
fsr-3470	90	19	concepts	concept	NOUN
fsr-3470	90	20	,	,	PUNCT
fsr-3470	90	21	which	which	PRON
fsr-3470	90	22	could	could	AUX
fsr-3470	90	23	require	require	VERB
fsr-3470	90	24	expert	expert	ADJ
fsr-3470	90	25	knowledge	knowledge	NOUN
fsr-3470	90	26	.	.	PUNCT
fsr-3470	91	1	one	one	NUM
fsr-3470	91	2	descriptive	descriptive	ADJ
fsr-3470	91	3	fact	fact	NOUN
fsr-3470	91	4	that	that	SCONJ
fsr-3470	91	5	they	they	PRON
fsr-3470	91	6	document	document	VERB
fsr-3470	91	7	is	be	AUX
fsr-3470	91	8	that	that	SCONJ
fsr-3470	91	9	readability	readability	NOUN
fsr-3470	91	10	of	of	ADP
fsr-3470	91	11	fund	fund	NOUN
fsr-3470	91	12	disclosures	disclosure	NOUN
fsr-3470	91	13	is	be	AUX
fsr-3470	91	14	extremely	extremely	ADV
fsr-3470	91	15	low	low	ADJ
fsr-3470	91	16	.	.	PUNCT
fsr-3470	92	1	less	less	ADJ
fsr-3470	92	2	than	than	ADP
fsr-3470	92	3	one	one	NUM
fsr-3470	92	4	percentage	percentage	NOUN
fsr-3470	92	5	of	of	ADP
fsr-3470	92	6	fund	fund	NOUN
fsr-3470	92	7	summary	summary	NOUN
fsr-3470	92	8	prospectus	prospectus	NOUN
fsr-3470	92	9	documents	document	NOUN
fsr-3470	92	10	are	be	AUX
fsr-3470	92	11	as	as	ADV
fsr-3470	92	12	readable	readable	ADJ
fsr-3470	92	13	as	as	ADP
fsr-3470	92	14	a	a	DET
fsr-3470	92	15	u.s.a	u.s.a	NOUN
fsr-3470	92	16	.	.	PUNCT
fsr-3470	93	1	today	today	NOUN
fsr-3470	93	2	article	article	NOUN
fsr-3470	93	3	,	,	PUNCT
fsr-3470	93	4	while	while	SCONJ
fsr-3470	93	5	roughly	roughly	ADV
fsr-3470	93	6	three	three	NUM
fsr-3470	93	7	-	-	PUNCT
fsr-3470	93	8	quarters	quarter	NOUN
fsr-3470	93	9	are	be	AUX
fsr-3470	93	10	less	less	ADV
fsr-3470	93	11	readable	readable	ADJ
fsr-3470	93	12	than	than	ADP
fsr-3470	93	13	the	the	DET
fsr-3470	93	14	u.s	u.s	PROPN
fsr-3470	93	15	.	.	PROPN
fsr-3470	93	16	tax	tax	PROPN
fsr-3470	93	17	code	code	PROPN
fsr-3470	93	18	.	.	PUNCT
fsr-3470	94	1	the	the	DET
fsr-3470	94	2	majority	majority	NOUN
fsr-3470	94	3	of	of	ADP
fsr-3470	94	4	these	these	DET
fsr-3470	94	5	documents	document	NOUN
fsr-3470	94	6	are	be	AUX
fsr-3470	94	7	at	at	ADP
fsr-3470	94	8	college	college	NOUN
fsr-3470	94	9	reading	reading	NOUN
fsr-3470	94	10	levels	level	NOUN
fsr-3470	94	11	and	and	CCONJ
fsr-3470	94	12	above	above	ADV
fsr-3470	94	13	.	.	PUNCT
fsr-3470	95	1	dehaan	dehaan	PROPN
fsr-3470	95	2	et	et	PROPN
fsr-3470	95	3	al	al	PROPN
fsr-3470	95	4	.	.	PROPN
fsr-3470	96	1	(	(	PUNCT
fsr-3470	96	2	2021	2021	NUM
fsr-3470	96	3	)	)	PUNCT
fsr-3470	96	4	provide	provide	VERB
fsr-3470	96	5	evidence	evidence	NOUN
fsr-3470	96	6	that	that	PRON
fsr-3470	96	7	highlights	highlight	VERB
fsr-3470	96	8	the	the	DET
fsr-3470	96	9	potential	potential	NOUN
fsr-3470	96	10	for	for	ADP
fsr-3470	96	11	intentional	intentional	ADJ
fsr-3470	96	12	obfuscation	obfuscation	NOUN
fsr-3470	96	13	in	in	ADP
fsr-3470	96	14	terms	term	NOUN
fsr-3470	96	15	of	of	ADP
fsr-3470	96	16	narrative	narrative	NOUN
fsr-3470	96	17	complexity	complexity	NOUN
fsr-3470	96	18	and	and	CCONJ
fsr-3470	96	19	the	the	DET
fsr-3470	96	20	structural	structural	ADJ
fsr-3470	96	21	complexity	complexity	NOUN
fsr-3470	96	22	of	of	ADP
fsr-3470	96	23	the	the	DET
fsr-3470	96	24	securities	security	NOUN
fsr-3470	96	25	instrument	instrument	NOUN
fsr-3470	96	26	.	.	PUNCT
fsr-3470	97	1	the	the	DET
fsr-3470	97	2	only	only	ADJ
fsr-3470	97	3	study	study	NOUN
fsr-3470	97	4	of	of	ADP
fsr-3470	97	5	which	which	PRON
fsr-3470	97	6	we	we	PRON
fsr-3470	97	7	are	be	AUX
fsr-3470	97	8	aware	aware	ADJ
fsr-3470	97	9	that	that	SCONJ
fsr-3470	97	10	specifically	specifically	ADV
fsr-3470	97	11	attempts	attempt	VERB
fsr-3470	97	12	to	to	PART
fsr-3470	97	13	profile	profile	VERB
fsr-3470	97	14	specific	specific	ADJ
fsr-3470	97	15	knowledge	knowledge	NOUN
fsr-3470	97	16	of	of	ADP
fsr-3470	97	17	mutual	mutual	ADJ
fsr-3470	97	18	funds	fund	NOUN
fsr-3470	97	19	products	product	NOUN
fsr-3470	97	20	is	be	AUX
fsr-3470	97	21	alexander	alexander	PROPN
fsr-3470	97	22	,	,	PUNCT
fsr-3470	97	23	jones	jones	PROPN
fsr-3470	97	24	,	,	PUNCT
fsr-3470	97	25	and	and	CCONJ
fsr-3470	97	26	nigro	nigro	NOUN
fsr-3470	97	27	(	(	PUNCT
fsr-3470	97	28	1998	1998	NUM
fsr-3470	97	29	)	)	PUNCT
fsr-3470	97	30	that	that	PRON
fsr-3470	97	31	was	be	AUX
fsr-3470	97	32	conducted	conduct	VERB
fsr-3470	97	33	during	during	ADP
fsr-3470	97	34	a	a	DET
fsr-3470	97	35	very	very	ADV
fsr-3470	97	36	different	different	ADJ
fsr-3470	97	37	investing	investing	NOUN
fsr-3470	97	38	environment	environment	NOUN
fsr-3470	97	39	.	.	PUNCT
fsr-3470	98	1	that	that	DET
fsr-3470	98	2	article	article	NOUN
fsr-3470	98	3	focuses	focus	VERB
fsr-3470	98	4	on	on	ADP
fsr-3470	98	5	the	the	DET
fsr-3470	98	6	sources	source	NOUN
fsr-3470	98	7	of	of	ADP
fsr-3470	98	8	information	information	NOUN
fsr-3470	98	9	that	that	PRON
fsr-3470	98	10	investors	investor	NOUN
fsr-3470	98	11	use	use	VERB
fsr-3470	98	12	and	and	CCONJ
fsr-3470	98	13	the	the	DET
fsr-3470	98	14	differences	difference	NOUN
fsr-3470	98	15	in	in	ADP
fsr-3470	98	16	knowledge	knowledge	NOUN
fsr-3470	98	17	based	base	VERB
fsr-3470	98	18	on	on	ADP
fsr-3470	98	19	the	the	DET
fsr-3470	98	20	purchase	purchase	NOUN
fsr-3470	98	21	channels	channel	NOUN
fsr-3470	98	22	investors	investor	NOUN
fsr-3470	98	23	use	use	VERB
fsr-3470	98	24	.	.	PUNCT
fsr-3470	99	1	the	the	DET
fsr-3470	99	2	authors	author	NOUN
fsr-3470	99	3	concluded	conclude	VERB
fsr-3470	99	4	based	base	VERB
fsr-3470	99	5	on	on	ADP
fsr-3470	99	6	survey	survey	NOUN
fsr-3470	99	7	results	result	NOUN
fsr-3470	99	8	conducted	conduct	VERB
fsr-3470	99	9	a	a	DET
fsr-3470	99	10	quarter	quarter	NOUN
fsr-3470	99	11	of	of	ADP
fsr-3470	99	12	a	a	DET
fsr-3470	99	13	century	century	NOUN
fsr-3470	99	14	ago	ago	ADV
fsr-3470	99	15	that	that	SCONJ
fsr-3470	99	16	there	there	PRON
fsr-3470	99	17	is	be	VERB
fsr-3470	99	18	much	much	ADJ
fsr-3470	99	19	room	room	NOUN
fsr-3470	99	20	for	for	ADP
fsr-3470	99	21	improvement	improvement	NOUN
fsr-3470	99	22	in	in	ADP
fsr-3470	99	23	investor	investor	NOUN
fsr-3470	99	24	’s	’s	PART
fsr-3470	99	25	knowledge	knowledge	NOUN
fsr-3470	99	26	levels	level	NOUN
fsr-3470	99	27	;	;	PUNCT
fsr-3470	99	28	they	they	PRON
fsr-3470	99	29	also	also	ADV
fsr-3470	99	30	survey	survey	VERB
fsr-3470	99	31	an	an	DET
fsr-3470	99	32	earlier	early	ADJ
fsr-3470	99	33	literature	literature	NOUN
fsr-3470	99	34	that	that	PRON
fsr-3470	99	35	documents	document	VERB
fsr-3470	99	36	some	some	DET
fsr-3470	99	37	common	common	ADJ
fsr-3470	99	38	misconceptions	misconception	NOUN
fsr-3470	99	39	of	of	ADP
fsr-3470	99	40	investors	investor	NOUN
fsr-3470	99	41	such	such	ADJ
fsr-3470	99	42	as	as	ADP
fsr-3470	99	43	that	that	DET
fsr-3470	99	44	mutual	mutual	ADJ
fsr-3470	99	45	funds	fund	NOUN
fsr-3470	99	46	sold	sell	VERB
fsr-3470	99	47	through	through	ADP
fsr-3470	99	48	a	a	DET
fsr-3470	99	49	bank	bank	NOUN
fsr-3470	99	50	are	be	AUX
fsr-3470	99	51	backed	back	VERB
fsr-3470	99	52	by	by	ADP
fsr-3470	99	53	fdic	fdic	ADJ
fsr-3470	99	54	insurance	insurance	NOUN
fsr-3470	99	55	.	.	PUNCT
fsr-3470	100	1	our	our	PRON
fsr-3470	100	2	work	work	NOUN
fsr-3470	100	3	builds	build	VERB
fsr-3470	100	4	off	off	ADP
fsr-3470	100	5	36	36	NUM
fsr-3470	100	6	b.	b.	PROPN
fsr-3470	100	7	scholl	scholl	PROPN
fsr-3470	100	8	and	and	CCONJ
fsr-3470	100	9	a.	a.	NOUN
fsr-3470	100	10	fontes	fontes	PROPN
fsr-3470	100	11	/	/	SYM
fsr-3470	100	12	financial	financial	ADJ
fsr-3470	100	13	services	service	NOUN
fsr-3470	100	14	review	review	VERB
fsr-3470	100	15	30	30	NUM
fsr-3470	100	16	(	(	PUNCT
fsr-3470	100	17	2022	2022	NUM
fsr-3470	100	18	)	)	PUNCT
fsr-3470	100	19	31–56	31–56	NUM
fsr-3470	100	20	some	some	DET
fsr-3470	100	21	of	of	ADP
fsr-3470	100	22	the	the	DET
fsr-3470	100	23	key	key	ADJ
fsr-3470	100	24	features	feature	NOUN
fsr-3470	100	25	identified	identify	VERB
fsr-3470	100	26	in	in	ADP
fsr-3470	100	27	alexander	alexander	PROPN
fsr-3470	100	28	,	,	PUNCT
fsr-3470	100	29	jones	jones	PROPN
fsr-3470	100	30	,	,	PUNCT
fsr-3470	100	31	and	and	CCONJ
fsr-3470	100	32	nigro	nigro	NOUN
fsr-3470	100	33	(	(	PUNCT
fsr-3470	100	34	1998	1998	NUM
fsr-3470	100	35	)	)	PUNCT
fsr-3470	100	36	,	,	PUNCT
fsr-3470	100	37	while	while	SCONJ
fsr-3470	100	38	delving	delve	VERB
fsr-3470	100	39	into	into	ADP
fsr-3470	100	40	a	a	DET
fsr-3470	100	41	broader	broad	ADJ
fsr-3470	100	42	set	set	NOUN
fsr-3470	100	43	of	of	ADP
fsr-3470	100	44	mutual	mutual	ADJ
fsr-3470	100	45	fund	fund	NOUN
fsr-3470	100	46	features	feature	NOUN
fsr-3470	100	47	,	,	PUNCT
fsr-3470	100	48	and	and	CCONJ
fsr-3470	100	49	formalizing	formalize	VERB
fsr-3470	100	50	an	an	DET
fsr-3470	100	51	index	index	NOUN
fsr-3470	100	52	.	.	PUNCT
fsr-3470	101	1	moreover	moreover	ADV
fsr-3470	101	2	,	,	PUNCT
fsr-3470	101	3	our	our	PRON
fsr-3470	101	4	knowledge	knowledge	NOUN
fsr-3470	101	5	index	index	NOUN
fsr-3470	101	6	design	design	NOUN
fsr-3470	101	7	and	and	CCONJ
fsr-3470	101	8	our	our	PRON
fsr-3470	101	9	survey	survey	NOUN
fsr-3470	101	10	methodology	methodology	NOUN
fsr-3470	101	11	are	be	AUX
fsr-3470	101	12	quite	quite	ADV
fsr-3470	101	13	distinct	distinct	ADJ
fsr-3470	101	14	in	in	ADP
fsr-3470	101	15	several	several	ADJ
fsr-3470	101	16	important	important	ADJ
fsr-3470	101	17	dimensions	dimension	NOUN
fsr-3470	101	18	.	.	PUNCT
fsr-3470	102	1	our	our	PRON
fsr-3470	102	2	sample	sample	NOUN
fsr-3470	102	3	is	be	AUX
fsr-3470	102	4	a	a	DET
fsr-3470	102	5	general	general	ADJ
fsr-3470	102	6	population	population	NOUN
fsr-3470	102	7	sample	sample	NOUN
fsr-3470	102	8	,	,	PUNCT
fsr-3470	102	9	which	which	PRON
fsr-3470	102	10	includes	include	VERB
fsr-3470	102	11	both	both	DET
fsr-3470	102	12	individuals	individual	NOUN
fsr-3470	102	13	residing	reside	VERB
fsr-3470	102	14	in	in	ADP
fsr-3470	102	15	mutual	mutual	ADJ
fsr-3470	102	16	fund	fund	NOUN
fsr-3470	102	17	owning	own	VERB
fsr-3470	102	18	households	household	NOUN
fsr-3470	102	19	as	as	ADV
fsr-3470	102	20	well	well	ADV
fsr-3470	102	21	as	as	ADP
fsr-3470	102	22	those	those	PRON
fsr-3470	102	23	that	that	PRON
fsr-3470	102	24	reside	reside	VERB
fsr-3470	102	25	in	in	ADP
fsr-3470	102	26	households	household	NOUN
fsr-3470	102	27	that	that	PRON
fsr-3470	102	28	do	do	AUX
fsr-3470	102	29	not	not	PART
fsr-3470	102	30	own	own	VERB
fsr-3470	102	31	mutual	mutual	ADJ
fsr-3470	102	32	funds	fund	NOUN
fsr-3470	102	33	that	that	PRON
fsr-3470	102	34	were	be	AUX
fsr-3470	102	35	the	the	DET
fsr-3470	102	36	focus	focus	NOUN
fsr-3470	102	37	of	of	ADP
fsr-3470	102	38	alexander	alexander	PROPN
fsr-3470	102	39	et	et	PROPN
fsr-3470	102	40	al	al	PROPN
fsr-3470	102	41	.	.	PUNCT
fsr-3470	103	1	(	(	PUNCT
fsr-3470	103	2	1998).8	1998).8	NUM
fsr-3470	103	3	this	this	DET
fsr-3470	103	4	sample	sample	NOUN
fsr-3470	103	5	distinction	distinction	NOUN
fsr-3470	103	6	allows	allow	VERB
fsr-3470	103	7	for	for	SCONJ
fsr-3470	103	8	us	we	PRON
fsr-3470	103	9	to	to	PART
fsr-3470	103	10	document	document	VERB
fsr-3470	103	11	initial	initial	ADJ
fsr-3470	103	12	observations	observation	NOUN
fsr-3470	103	13	related	relate	VERB
fsr-3470	103	14	to	to	ADP
fsr-3470	103	15	our	our	PRON
fsr-3470	103	16	interest	interest	NOUN
fsr-3470	103	17	in	in	ADP
fsr-3470	103	18	participation	participation	NOUN
fsr-3470	103	19	in	in	ADP
fsr-3470	103	20	the	the	DET
fsr-3470	103	21	market	market	NOUN
fsr-3470	103	22	(	(	PUNCT
fsr-3470	103	23	although	although	SCONJ
fsr-3470	103	24	a	a	DET
fsr-3470	103	25	more	more	ADV
fsr-3470	103	26	detailed	detailed	ADJ
fsr-3470	103	27	study	study	NOUN
fsr-3470	103	28	of	of	ADP
fsr-3470	103	29	participation	participation	NOUN
fsr-3470	103	30	barriers	barrier	NOUN
fsr-3470	103	31	in	in	ADP
fsr-3470	103	32	connection	connection	NOUN
fsr-3470	103	33	to	to	ADP
fsr-3470	103	34	knowledge	knowledge	NOUN
fsr-3470	103	35	deserves	deserve	VERB
fsr-3470	103	36	a	a	DET
fsr-3470	103	37	separate	separate	ADJ
fsr-3470	103	38	treatment	treatment	NOUN
fsr-3470	103	39	)	)	PUNCT
fsr-3470	103	40	.	.	PUNCT
fsr-3470	104	1	our	our	PRON
fsr-3470	104	2	intention	intention	NOUN
fsr-3470	104	3	is	be	AUX
fsr-3470	104	4	that	that	SCONJ
fsr-3470	104	5	our	our	PRON
fsr-3470	104	6	work	work	NOUN
fsr-3470	104	7	is	be	AUX
fsr-3470	104	8	informative	informative	ADJ
fsr-3470	104	9	in	in	ADP
fsr-3470	104	10	the	the	DET
fsr-3470	104	11	context	context	NOUN
fsr-3470	104	12	of	of	ADP
fsr-3470	104	13	literature	literature	NOUN
fsr-3470	104	14	on	on	ADP
fsr-3470	104	15	investor	investor	NOUN
fsr-3470	104	16	choice	choice	NOUN
fsr-3470	104	17	and	and	CCONJ
fsr-3470	104	18	decision	decision	NOUN
fsr-3470	104	19	making	making	NOUN
fsr-3470	104	20	,	,	PUNCT
fsr-3470	104	21	and	and	CCONJ
fsr-3470	104	22	lays	lay	VERB
fsr-3470	104	23	the	the	DET
fsr-3470	104	24	groundwork	groundwork	NOUN
fsr-3470	104	25	for	for	ADP
fsr-3470	104	26	further	far	ADV
fsr-3470	104	27	decomposing	decompose	VERB
fsr-3470	104	28	aspects	aspect	NOUN
fsr-3470	104	29	of	of	ADP
fsr-3470	104	30	decision	decision	NOUN
fsr-3470	104	31	making	making	NOUN
fsr-3470	104	32	.	.	PUNCT
fsr-3470	105	1	a	a	DET
fsr-3470	105	2	relatively	relatively	ADV
fsr-3470	105	3	large	large	ADJ
fsr-3470	105	4	body	body	NOUN
fsr-3470	105	5	of	of	ADP
fsr-3470	105	6	literature	literature	NOUN
fsr-3470	105	7	has	have	AUX
fsr-3470	105	8	emerged	emerge	VERB
fsr-3470	105	9	along	along	ADP
fsr-3470	105	10	these	these	DET
fsr-3470	105	11	lines	line	NOUN
fsr-3470	105	12	in	in	ADP
fsr-3470	105	13	recent	recent	ADJ
fsr-3470	105	14	decades	decade	NOUN
fsr-3470	105	15	relating	relate	VERB
fsr-3470	105	16	largely	largely	ADV
fsr-3470	105	17	to	to	ADP
fsr-3470	105	18	deviations	deviation	NOUN
fsr-3470	105	19	from	from	ADP
fsr-3470	105	20	rationality	rationality	NOUN
fsr-3470	105	21	or	or	CCONJ
fsr-3470	105	22	a	a	DET
fsr-3470	105	23	lack	lack	NOUN
fsr-3470	105	24	of	of	ADP
fsr-3470	105	25	information	information	NOUN
fsr-3470	105	26	by	by	ADP
fsr-3470	105	27	investors	investor	NOUN
fsr-3470	105	28	(	(	PUNCT
fsr-3470	105	29	e.g.	e.g.	ADV
fsr-3470	105	30	,	,	PUNCT
fsr-3470	105	31	see	see	VERB
fsr-3470	105	32	observational	observational	ADJ
fsr-3470	105	33	studies	study	NOUN
fsr-3470	105	34	by	by	ADP
fsr-3470	105	35	barber	barber	PROPN
fsr-3470	105	36	et	et	PROPN
fsr-3470	105	37	al	al	PROPN
fsr-3470	105	38	.	.	PUNCT
fsr-3470	106	1	[	[	X
fsr-3470	106	2	2005	2005	NUM
fsr-3470	106	3	]	]	PUNCT
fsr-3470	106	4	,	,	PUNCT
fsr-3470	106	5	elton	elton	PROPN
fsr-3470	106	6	et	et	PROPN
fsr-3470	106	7	al	al	PROPN
fsr-3470	106	8	.	.	PUNCT
fsr-3470	107	1	[	[	X
fsr-3470	107	2	2011	2011	NUM
fsr-3470	107	3	]	]	X
fsr-3470	107	4	;	;	PUNCT
fsr-3470	107	5	as	as	ADV
fsr-3470	107	6	well	well	ADV
fsr-3470	107	7	as	as	ADP
fsr-3470	107	8	work	work	NOUN
fsr-3470	107	9	using	use	VERB
fsr-3470	107	10	behavioral	behavioral	ADJ
fsr-3470	107	11	experiments	experiment	NOUN
fsr-3470	107	12	such	such	ADJ
fsr-3470	107	13	as	as	ADP
fsr-3470	107	14	beshears	beshear	NOUN
fsr-3470	107	15	et	et	PROPN
fsr-3470	107	16	al	al	PROPN
fsr-3470	107	17	.	.	PUNCT
fsr-3470	108	1	[	[	X
fsr-3470	108	2	2011	2011	NUM
fsr-3470	108	3	]	]	PUNCT
fsr-3470	108	4	,	,	PUNCT
fsr-3470	108	5	choi	choi	PROPN
fsr-3470	108	6	et	et	PROPN
fsr-3470	108	7	al	al	PROPN
fsr-3470	108	8	.	.	PUNCT
fsr-3470	109	1	[	[	X
fsr-3470	109	2	2010	2010	NUM
fsr-3470	109	3	]	]	X
fsr-3470	109	4	;	;	PUNCT
fsr-3470	109	5	and	and	CCONJ
fsr-3470	109	6	also	also	ADV
fsr-3470	109	7	the	the	DET
fsr-3470	109	8	extensive	extensive	ADJ
fsr-3470	109	9	review	review	NOUN
fsr-3470	109	10	in	in	ADP
fsr-3470	109	11	beshears	beshear	NOUN
fsr-3470	109	12	et	et	PROPN
fsr-3470	109	13	al	al	PROPN
fsr-3470	109	14	.	.	PUNCT
fsr-3470	110	1	[	[	X
fsr-3470	110	2	2011	2011	NUM
fsr-3470	110	3	]	]	PUNCT
fsr-3470	110	4	)	)	PUNCT
fsr-3470	110	5	.	.	PUNCT
fsr-3470	111	1	in	in	ADP
fsr-3470	111	2	a	a	DET
fsr-3470	111	3	related	related	ADJ
fsr-3470	111	4	study	study	NOUN
fsr-3470	111	5	,	,	PUNCT
fsr-3470	111	6	müller	müller	NOUN
fsr-3470	111	7	and	and	CCONJ
fsr-3470	111	8	weber	weber	PROPN
fsr-3470	111	9	(	(	PUNCT
fsr-3470	111	10	2010	2010	NUM
fsr-3470	111	11	)	)	PUNCT
fsr-3470	111	12	construct	construct	VERB
fsr-3470	111	13	a	a	DET
fsr-3470	111	14	financial	financial	ADJ
fsr-3470	111	15	literacy	literacy	NOUN
fsr-3470	111	16	measure	measure	NOUN
fsr-3470	111	17	,	,	PUNCT
fsr-3470	111	18	and	and	CCONJ
fsr-3470	111	19	look	look	VERB
fsr-3470	111	20	at	at	ADP
fsr-3470	111	21	participation	participation	NOUN
fsr-3470	111	22	and	and	CCONJ
fsr-3470	111	23	choice	choice	NOUN
fsr-3470	111	24	decisions	decision	NOUN
fsr-3470	111	25	in	in	ADP
fsr-3470	111	26	selected	select	VERB
fsr-3470	111	27	mutual	mutual	ADJ
fsr-3470	111	28	fund	fund	NOUN
fsr-3470	111	29	markets	market	NOUN
fsr-3470	111	30	.	.	PUNCT
fsr-3470	112	1	they	they	PRON
fsr-3470	112	2	note	note	VERB
fsr-3470	112	3	there	there	PRON
fsr-3470	112	4	is	be	VERB
fsr-3470	112	5	a	a	DET
fsr-3470	112	6	positive	positive	ADJ
fsr-3470	112	7	relationship	relationship	NOUN
fsr-3470	112	8	between	between	ADP
fsr-3470	112	9	their	their	PRON
fsr-3470	112	10	literacy	literacy	NOUN
fsr-3470	112	11	measure	measure	NOUN
fsr-3470	112	12	and	and	CCONJ
fsr-3470	112	13	the	the	DET
fsr-3470	112	14	likelihood	likelihood	NOUN
fsr-3470	112	15	of	of	ADP
fsr-3470	112	16	investing	invest	VERB
fsr-3470	112	17	in	in	ADP
fsr-3470	112	18	active	active	ADJ
fsr-3470	112	19	funds	fund	NOUN
fsr-3470	112	20	(	(	PUNCT
fsr-3470	112	21	that	that	SCONJ
fsr-3470	112	22	they	they	PRON
fsr-3470	112	23	argue	argue	VERB
fsr-3470	112	24	are	be	AUX
fsr-3470	112	25	worse	bad	ADJ
fsr-3470	112	26	than	than	ADP
fsr-3470	112	27	passive	passive	ADJ
fsr-3470	112	28	management	management	NOUN
fsr-3470	112	29	alternatives	alternative	NOUN
fsr-3470	112	30	)	)	PUNCT
fsr-3470	112	31	;	;	PUNCT
fsr-3470	112	32	nevertheless	nevertheless	ADV
fsr-3470	112	33	,	,	PUNCT
fsr-3470	112	34	despite	despite	SCONJ
fsr-3470	112	35	the	the	DET
fsr-3470	112	36	fact	fact	NOUN
fsr-3470	112	37	that	that	SCONJ
fsr-3470	112	38	literacy	literacy	NOUN
fsr-3470	112	39	matters	matter	NOUN
fsr-3470	112	40	,	,	PUNCT
fsr-3470	112	41	it	it	PRON
fsr-3470	112	42	alone	alone	ADV
fsr-3470	112	43	can	can	AUX
fsr-3470	112	44	not	not	PART
fsr-3470	112	45	explain	explain	VERB
fsr-3470	112	46	the	the	DET
fsr-3470	112	47	historical	historical	ADJ
fsr-3470	112	48	growth	growth	NOUN
fsr-3470	112	49	of	of	ADP
fsr-3470	112	50	active	active	ADJ
fsr-3470	112	51	management	management	NOUN
fsr-3470	112	52	.	.	PUNCT
fsr-3470	113	1	overall	overall	ADV
fsr-3470	113	2	,	,	PUNCT
fsr-3470	113	3	they	they	PRON
fsr-3470	113	4	find	find	VERB
fsr-3470	113	5	only	only	ADV
fsr-3470	113	6	weak	weak	ADJ
fsr-3470	113	7	evidence	evidence	NOUN
fsr-3470	113	8	that	that	SCONJ
fsr-3470	113	9	investors	investor	NOUN
fsr-3470	113	10	that	that	PRON
fsr-3470	113	11	performed	perform	VERB
fsr-3470	113	12	well	well	ADV
fsr-3470	113	13	on	on	ADP
fsr-3470	113	14	their	their	PRON
fsr-3470	113	15	measure	measure	NOUN
fsr-3470	113	16	had	have	AUX
fsr-3470	113	17	superior	superior	ADJ
fsr-3470	113	18	fund	fund	NOUN
fsr-3470	113	19	selection	selection	NOUN
fsr-3470	113	20	skills	skill	NOUN
fsr-3470	113	21	.	.	PUNCT
fsr-3470	114	1	scholl	scholl	NOUN
fsr-3470	114	2	(	(	PUNCT
fsr-3470	114	3	2020	2020	NUM
fsr-3470	114	4	)	)	PUNCT
fsr-3470	114	5	examines	examine	VERB
fsr-3470	114	6	decision	decision	NOUN
fsr-3470	114	7	making	making	NOUN
fsr-3470	114	8	in	in	ADP
fsr-3470	114	9	the	the	DET
fsr-3470	114	10	presence	presence	NOUN
fsr-3470	114	11	of	of	ADP
fsr-3470	114	12	choice	choice	NOUN
fsr-3470	114	13	set	set	VERB
fsr-3470	114	14	complexity	complexity	NOUN
fsr-3470	114	15	in	in	ADP
fsr-3470	114	16	a	a	DET
fsr-3470	114	17	large	large	ADJ
fsr-3470	114	18	-	-	PUNCT
fsr-3470	114	19	scale	scale	NOUN
fsr-3470	114	20	experiment	experiment	NOUN
fsr-3470	114	21	in	in	ADP
fsr-3470	114	22	which	which	PRON
fsr-3470	114	23	subjects	subject	NOUN
fsr-3470	114	24	complete	complete	VERB
fsr-3470	114	25	an	an	DET
fsr-3470	114	26	allocation	allocation	NOUN
fsr-3470	114	27	problem	problem	NOUN
fsr-3470	114	28	from	from	ADP
fsr-3470	114	29	a	a	DET
fsr-3470	114	30	menu	menu	NOUN
fsr-3470	114	31	of	of	ADP
fsr-3470	114	32	s&p	s&p	PROPN
fsr-3470	114	33	500	500	NUM
fsr-3470	114	34	index	index	NOUN
fsr-3470	114	35	mutual	mutual	ADJ
fsr-3470	114	36	funds	fund	NOUN
fsr-3470	114	37	.	.	PUNCT
fsr-3470	115	1	that	that	DET
fsr-3470	115	2	study	study	NOUN
fsr-3470	115	3	directly	directly	ADV
fsr-3470	115	4	uses	use	VERB
fsr-3470	115	5	an	an	DET
fsr-3470	115	6	early	early	ADJ
fsr-3470	115	7	version	version	NOUN
fsr-3470	115	8	of	of	ADP
fsr-3470	115	9	the	the	DET
fsr-3470	115	10	mutual	mutual	ADJ
fsr-3470	115	11	fund	fund	NOUN
fsr-3470	115	12	knowledge	knowledge	NOUN
fsr-3470	115	13	index	index	NOUN
fsr-3470	115	14	we	we	PRON
fsr-3470	115	15	examine	examine	VERB
fsr-3470	115	16	here	here	ADV
fsr-3470	115	17	.	.	PUNCT
fsr-3470	116	1	scores	score	NOUN
fsr-3470	116	2	on	on	ADP
fsr-3470	116	3	our	our	PRON
fsr-3470	116	4	index	index	NOUN
fsr-3470	116	5	demonstrated	demonstrate	VERB
fsr-3470	116	6	strong	strong	ADJ
fsr-3470	116	7	separation	separation	NOUN
fsr-3470	116	8	and	and	CCONJ
fsr-3470	116	9	well	well	ADV
fsr-3470	116	10	ordering	ordering	NOUN
fsr-3470	116	11	of	of	ADP
fsr-3470	116	12	subjects	subject	NOUN
fsr-3470	116	13	in	in	ADP
fsr-3470	116	14	terms	term	NOUN
fsr-3470	116	15	of	of	ADP
fsr-3470	116	16	their	their	PRON
fsr-3470	116	17	overall	overall	ADJ
fsr-3470	116	18	performance	performance	NOUN
fsr-3470	116	19	on	on	ADP
fsr-3470	116	20	the	the	DET
fsr-3470	116	21	investment	investment	NOUN
fsr-3470	116	22	task	task	NOUN
fsr-3470	116	23	(	(	PUNCT
fsr-3470	116	24	where	where	SCONJ
fsr-3470	116	25	fee	fee	NOUN
fsr-3470	116	26	minimization	minimization	NOUN
fsr-3470	116	27	is	be	AUX
fsr-3470	116	28	a	a	DET
fsr-3470	116	29	strictly	strictly	ADV
fsr-3470	116	30	dominating	dominating	NOUN
fsr-3470	116	31	strategy	strategy	NOUN
fsr-3470	116	32	)	)	PUNCT
fsr-3470	116	33	.	.	PUNCT
fsr-3470	117	1	other	other	ADJ
fsr-3470	117	2	forthcoming	forthcoming	ADJ
fsr-3470	117	3	behavioral	behavioral	ADJ
fsr-3470	117	4	research	research	NOUN
fsr-3470	117	5	using	use	VERB
fsr-3470	117	6	allocation	allocation	NOUN
fsr-3470	117	7	experiments	experiment	NOUN
fsr-3470	117	8	by	by	ADP
fsr-3470	117	9	scholl	scholl	NOUN
fsr-3470	117	10	and	and	CCONJ
fsr-3470	117	11	coauthors	coauthor	NOUN
fsr-3470	117	12	also	also	ADV
fsr-3470	117	13	demonstrate	demonstrate	VERB
fsr-3470	117	14	the	the	DET
fsr-3470	117	15	utility	utility	NOUN
fsr-3470	117	16	of	of	ADP
fsr-3470	117	17	our	our	PRON
fsr-3470	117	18	mutual	mutual	ADJ
fsr-3470	117	19	fund	fund	NOUN
fsr-3470	117	20	knowledge	knowledge	NOUN
fsr-3470	117	21	index	index	NOUN
fsr-3470	117	22	in	in	ADP
fsr-3470	117	23	other	other	ADJ
fsr-3470	117	24	contexts	contexts	NOUN
fsr-3470	117	25	,	,	PUNCT
fsr-3470	117	26	such	such	ADJ
fsr-3470	117	27	as	as	ADP
fsr-3470	117	28	in	in	ADP
fsr-3470	117	29	the	the	DET
fsr-3470	117	30	classification	classification	NOUN
fsr-3470	117	31	of	of	ADP
fsr-3470	117	32	investor	investor	NOUN
fsr-3470	117	33	types	type	NOUN
fsr-3470	117	34	described	describe	VERB
fsr-3470	117	35	in	in	ADP
fsr-3470	117	36	chin	chin	PROPN
fsr-3470	117	37	,	,	PUNCT
fsr-3470	117	38	scholl	scholl	PROPN
fsr-3470	117	39	,	,	PUNCT
fsr-3470	117	40	and	and	CCONJ
fsr-3470	117	41	vanepps	vanepps	NOUN
fsr-3470	117	42	(	(	PUNCT
fsr-3470	117	43	2021	2021	NUM
fsr-3470	117	44	)	)	PUNCT
fsr-3470	117	45	.	.	PUNCT
fsr-3470	118	1	the	the	DET
fsr-3470	118	2	importance	importance	NOUN
fsr-3470	118	3	of	of	ADP
fsr-3470	118	4	the	the	DET
fsr-3470	118	5	knowledge	knowledge	NOUN
fsr-3470	118	6	we	we	PRON
fsr-3470	118	7	test	test	VERB
fsr-3470	118	8	is	be	AUX
fsr-3470	118	9	highlighted	highlight	VERB
fsr-3470	118	10	in	in	ADP
fsr-3470	118	11	bhattacharya	bhattacharya	PROPN
fsr-3470	118	12	et	et	PROPN
fsr-3470	118	13	al	al	PROPN
fsr-3470	118	14	.	.	PROPN
fsr-3470	119	1	(	(	PUNCT
fsr-3470	119	2	2017	2017	NUM
fsr-3470	119	3	)	)	PUNCT
fsr-3470	119	4	,	,	PUNCT
fsr-3470	119	5	who	who	PRON
fsr-3470	119	6	decomposed	decompose	VERB
fsr-3470	119	7	investor	investor	NOUN
fsr-3470	119	8	decision	decision	NOUN
fsr-3470	119	9	mistakes	mistake	NOUN
fsr-3470	119	10	with	with	ADP
fsr-3470	119	11	respect	respect	NOUN
fsr-3470	119	12	to	to	ADP
fsr-3470	119	13	etf	etf	NOUN
fsr-3470	119	14	investments	investment	NOUN
fsr-3470	119	15	into	into	ADP
fsr-3470	119	16	“	"	PUNCT
fsr-3470	119	17	poor	poor	ADJ
fsr-3470	119	18	timing	timing	NOUN
fsr-3470	119	19	”	"	PUNCT
fsr-3470	119	20	and	and	CCONJ
fsr-3470	119	21	“	"	PUNCT
fsr-3470	119	22	poor	poor	ADJ
fsr-3470	119	23	selection”—the	selection”—the	DET
fsr-3470	119	24	latter	latter	ADJ
fsr-3470	119	25	accounting	accounting	NOUN
fsr-3470	119	26	for	for	ADP
fsr-3470	119	27	1.69	1.69	NUM
fsr-3470	119	28	%	%	NOUN
fsr-3470	119	29	loss	loss	NOUN
fsr-3470	119	30	per	per	ADP
fsr-3470	119	31	annum	annum	NOUN
fsr-3470	119	32	in	in	ADP
fsr-3470	119	33	investor	investor	NOUN
fsr-3470	119	34	returns	return	NOUN
fsr-3470	119	35	;	;	PUNCT
fsr-3470	119	36	our	our	PRON
fsr-3470	119	37	index	index	NOUN
fsr-3470	119	38	directly	directly	ADV
fsr-3470	119	39	tests	test	VERB
fsr-3470	119	40	knowledge	knowledge	NOUN
fsr-3470	119	41	that	that	PRON
fsr-3470	119	42	could	could	AUX
fsr-3470	119	43	plausibly	plausibly	ADV
fsr-3470	119	44	help	help	VERB
fsr-3470	119	45	investors	investor	NOUN
fsr-3470	119	46	avoid	avoid	VERB
fsr-3470	119	47	such	such	ADJ
fsr-3470	119	48	selection	selection	NOUN
fsr-3470	119	49	mistakes	mistake	NOUN
fsr-3470	119	50	.	.	PUNCT
fsr-3470	120	1	3	3	X
fsr-3470	120	2	.	.	X
fsr-3470	120	3	method	method	PROPN
fsr-3470	120	4	3.1	3.1	NUM
fsr-3470	120	5	.	.	PUNCT
fsr-3470	120	6	data	datum	NOUN
fsr-3470	120	7	collection	collection	NOUN
fsr-3470	120	8	data	datum	NOUN
fsr-3470	120	9	from	from	ADP
fsr-3470	120	10	3,444	3,444	NUM
fsr-3470	120	11	respondents	respondent	NOUN
fsr-3470	120	12	were	be	AUX
fsr-3470	120	13	collected	collect	VERB
fsr-3470	120	14	over	over	ADP
fsr-3470	120	15	three	three	NUM
fsr-3470	120	16	waves	wave	NOUN
fsr-3470	120	17	of	of	ADP
fsr-3470	120	18	data	data	NOUN
fsr-3470	120	19	collection	collection	NOUN
fsr-3470	120	20	(	(	PUNCT
fsr-3470	120	21	over	over	ADP
fsr-3470	120	22	a	a	DET
fsr-3470	120	23	10	10	NUM
fsr-3470	120	24	-	-	PUNCT
fsr-3470	120	25	month	month	NOUN
fsr-3470	120	26	period	period	NOUN
fsr-3470	120	27	)	)	PUNCT
fsr-3470	120	28	using	use	VERB
fsr-3470	120	29	the	the	DET
fsr-3470	120	30	amerispeak	amerispeak	ADJ
fsr-3470	120	31	panel	panel	NOUN
fsr-3470	120	32	(	(	PUNCT
fsr-3470	120	33	as	as	ADP
fsr-3470	120	34	)	)	PUNCT
fsr-3470	120	35	,	,	PUNCT
fsr-3470	120	36	a	a	DET
fsr-3470	120	37	probability	probability	NOUN
fsr-3470	120	38	-	-	PUNCT
fsr-3470	120	39	based	base	VERB
fsr-3470	120	40	,	,	PUNCT
fsr-3470	120	41	nationally	nationally	ADV
fsr-3470	120	42	representative	representative	ADJ
fsr-3470	120	43	u.s	u.s	PROPN
fsr-3470	120	44	.	.	PROPN
fsr-3470	120	45	panel.9	panel.9	PROPN
fsr-3470	120	46	respondents	respondent	NOUN
fsr-3470	120	47	were	be	AUX
fsr-3470	120	48	incentivized	incentivize	VERB
fsr-3470	120	49	for	for	ADP
fsr-3470	120	50	participation	participation	NOUN
fsr-3470	120	51	in	in	ADP
fsr-3470	120	52	each	each	DET
fsr-3470	120	53	wave	wave	NOUN
fsr-3470	120	54	of	of	ADP
fsr-3470	120	55	the	the	DET
fsr-3470	120	56	b.	b.	PROPN
fsr-3470	120	57	scholl	scholl	PROPN
fsr-3470	120	58	and	and	CCONJ
fsr-3470	120	59	a.	a.	NOUN
fsr-3470	120	60	fontes	fontes	PROPN
fsr-3470	120	61	/	/	SYM
fsr-3470	120	62	financial	financial	ADJ
fsr-3470	120	63	services	service	NOUN
fsr-3470	120	64	review	review	VERB
fsr-3470	120	65	30	30	NUM
fsr-3470	120	66	(	(	PUNCT
fsr-3470	120	67	2022	2022	NUM
fsr-3470	120	68	)	)	PUNCT
fsr-3470	121	1	31–56	31–56	NUM
fsr-3470	121	2	37	37	NUM
fsr-3470	122	1	t	t	X
fsr-3470	122	2	ab	ab	PROPN
fsr-3470	122	3	le	le	PROPN
fsr-3470	122	4	1	1	NUM
fsr-3470	123	1	d	d	X
fsr-3470	124	1	em	em	PRON
fsr-3470	125	1	o	o	INTJ
fsr-3470	126	1	g	g	NOUN
fsr-3470	126	2	ra	ra	PROPN
fsr-3470	127	1	p	p	NOUN
fsr-3470	127	2	h	h	NOUN
fsr-3470	128	1	ic	ic	PROPN
fsr-3470	128	2	ch	ch	PROPN
fsr-3470	128	3	ar	ar	PROPN
fsr-3470	128	4	ac	ac	PROPN
fsr-3470	128	5	te	te	PROPN
fsr-3470	128	6	ri	ri	PROPN
fsr-3470	128	7	st	st	PROPN
fsr-3470	128	8	ic	ic	PROPN
fsr-3470	128	9	s	s	PROPN
fsr-3470	128	10	,	,	PUNCT
fsr-3470	128	11	b	b	PROPN
fsr-3470	128	12	y	y	PROPN
fsr-3470	128	13	g	g	PROPN
fsr-3470	128	14	ro	ro	PROPN
fsr-3470	128	15	u	u	PROPN
fsr-3470	128	16	p	p	PROPN
fsr-3470	129	1	d	d	X
fsr-3470	129	2	em	em	PRON
fsr-3470	130	1	o	o	INTJ
fsr-3470	131	1	g	g	NOUN
fsr-3470	131	2	ra	ra	PROPN
fsr-3470	132	1	p	p	NOUN
fsr-3470	132	2	h	h	NOUN
fsr-3470	133	1	ic	ic	PROPN
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fsr-3470	144	25	%	%	NOUN
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fsr-3470	144	51	%	%	NOUN
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fsr-3470	144	55	%	%	NOUN
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fsr-3470	146	4	%	%	NOUN
fsr-3470	146	5	4	4	NUM
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fsr-3470	146	7	4	4	NUM
fsr-3470	146	8	%	%	NOUN
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fsr-3470	146	11	3	3	NUM
fsr-3470	146	12	%	%	NOUN
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fsr-3470	146	14	0	0	NUM
fsr-3470	146	15	-4	-4	SYM
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fsr-3470	146	19	.2	.2	NUM
fsr-3470	146	20	6	6	NUM
fsr-3470	146	21	%	%	NOUN
fsr-3470	146	22	3	3	NUM
fsr-3470	146	23	5	5	NUM
fsr-3470	146	24	.1	.1	NUM
fsr-3470	146	25	4	4	NUM
fsr-3470	146	26	%	%	NOUN
fsr-3470	147	1	2	2	NUM
fsr-3470	147	2	2	2	NUM
fsr-3470	147	3	.2	.2	NUM
fsr-3470	147	4	3	3	NUM
fsr-3470	147	5	%	%	NOUN
fsr-3470	147	6	2	2	NUM
fsr-3470	147	7	5	5	NUM
fsr-3470	147	8	.4	.4	NUM
fsr-3470	147	9	9	9	NUM
fsr-3470	147	10	%	%	NOUN
fsr-3470	147	11	2	2	NUM
fsr-3470	147	12	7	7	NUM
fsr-3470	147	13	.1	.1	NUM
fsr-3470	147	14	8	8	NUM
fsr-3470	147	15	%	%	NOUN
fsr-3470	147	16	1	1	NUM
fsr-3470	147	17	1	1	NUM
fsr-3470	147	18	.9	.9	NUM
fsr-3470	147	19	2	2	NUM
fsr-3470	147	20	%	%	NOUN
fsr-3470	147	21	4	4	NUM
fsr-3470	147	22	5	5	NUM
fsr-3470	147	23	-5	-5	NOUN
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fsr-3470	147	29	%	%	NOUN
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fsr-3470	147	34	%	%	NOUN
fsr-3470	147	35	2	2	NUM
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fsr-3470	147	39	%	%	NOUN
fsr-3470	147	40	2	2	NUM
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fsr-3470	147	42	.2	.2	NUM
fsr-3470	147	43	9	9	NUM
fsr-3470	147	44	%	%	NOUN
fsr-3470	147	45	2	2	NUM
fsr-3470	147	46	7	7	NUM
fsr-3470	147	47	.4	.4	NUM
fsr-3470	147	48	3	3	NUM
fsr-3470	147	49	%	%	NOUN
fsr-3470	147	50	2	2	NUM
fsr-3470	147	51	0	0	NUM
fsr-3470	147	52	.6	.6	NUM
fsr-3470	147	53	2	2	NUM
fsr-3470	147	54	%	%	NOUN
fsr-3470	147	55	6	6	NUM
fsr-3470	147	56	0	0	NUM
fsr-3470	148	1	+	+	CCONJ
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fsr-3470	148	6	%	%	NOUN
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fsr-3470	148	11	%	%	NOUN
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fsr-3470	148	15	8	8	NUM
fsr-3470	148	16	%	%	NOUN
fsr-3470	149	1	4	4	NUM
fsr-3470	149	2	1	1	NUM
fsr-3470	149	3	.0	.0	NUM
fsr-3470	149	4	2	2	NUM
fsr-3470	149	5	%	%	NOUN
fsr-3470	149	6	4	4	NUM
fsr-3470	149	7	1	1	NUM
fsr-3470	149	8	.1	.1	NUM
fsr-3470	149	9	5	5	NUM
fsr-3470	149	10	%	%	NOUN
fsr-3470	149	11	6	6	NUM
fsr-3470	149	12	4	4	NUM
fsr-3470	149	13	.1	.1	NUM
fsr-3470	149	14	2	2	NUM
fsr-3470	149	15	%	%	NOUN
fsr-3470	149	16	r	r	NOUN
fsr-3470	149	17	ac	ac	PROPN
fsr-3470	149	18	e/	e/	INTJ
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fsr-3470	149	25	w	w	NOUN
fsr-3470	149	26	h	h	NOUN
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fsr-3470	149	28	e	e	NOUN
fsr-3470	149	29	n	n	CCONJ
fsr-3470	149	30	o	o	NOUN
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fsr-3470	149	32	-h	-h	PUNCT
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fsr-3470	149	41	%	%	NOUN
fsr-3470	149	42	6	6	NUM
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fsr-3470	149	45	1	1	NUM
fsr-3470	149	46	%	%	NOUN
fsr-3470	149	47	8	8	NUM
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fsr-3470	149	50	0	0	NUM
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fsr-3470	150	15	0	0	NUM
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fsr-3470	155	16	3	3	NUM
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fsr-3470	155	20	4	4	NUM
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fsr-3470	182	33	2	2	NUM
fsr-3470	182	34	4	4	NUM
fsr-3470	182	35	.8	.8	NUM
fsr-3470	182	36	3	3	NUM
fsr-3470	182	37	%	%	NOUN
fsr-3470	182	38	1	1	NUM
fsr-3470	182	39	0	0	NUM
fsr-3470	182	40	0	0	NUM
fsr-3470	182	41	.0	.0	NUM
fsr-3470	182	42	0	0	NUM
fsr-3470	183	1	%	%	NOUN
fsr-3470	183	2	2	2	NUM
fsr-3470	183	3	7	7	NUM
fsr-3470	183	4	.3	.3	NUM
fsr-3470	183	5	9	9	NUM
fsr-3470	183	6	%	%	NOUN
fsr-3470	183	7	f	f	NOUN
fsr-3470	183	8	in	in	ADP
fsr-3470	183	9	an	an	DET
fsr-3470	183	10	ci	ci	PROPN
fsr-3470	183	11	al	al	PROPN
fsr-3470	183	12	w	w	PROPN
fsr-3470	183	13	el	el	PROPN
fsr-3470	183	14	lb	lb	INTJ
fsr-3470	183	15	ei	ei	NOUN
fsr-3470	183	16	n	n	PRON
fsr-3470	183	17	g	g	PROPN
fsr-3470	183	18	(	(	PUNCT
fsr-3470	183	19	q	q	PROPN
fsr-3470	183	20	3	3	NUM
fsr-3470	183	21	+	+	CCONJ
fsr-3470	183	22	)	)	PUNCT
fsr-3470	183	23	2	2	NUM
fsr-3470	183	24	7	7	NUM
fsr-3470	183	25	.0	.0	NUM
fsr-3470	183	26	3	3	NUM
fsr-3470	183	27	%	%	NOUN
fsr-3470	183	28	1	1	NUM
fsr-3470	183	29	4	4	NUM
fsr-3470	183	30	.8	.8	NUM
fsr-3470	183	31	6	6	NUM
fsr-3470	183	32	%	%	NOUN
fsr-3470	183	33	3	3	NUM
fsr-3470	183	34	1	1	NUM
fsr-3470	183	35	.9	.9	NUM
fsr-3470	183	36	1	1	NUM
fsr-3470	183	37	%	%	NOUN
fsr-3470	183	38	2	2	NUM
fsr-3470	183	39	9	9	NUM
fsr-3470	183	40	.5	.5	NUM
fsr-3470	183	41	2	2	NUM
fsr-3470	183	42	%	%	NOUN
fsr-3470	183	43	3	3	NUM
fsr-3470	183	44	1	1	NUM
fsr-3470	183	45	.8	.8	NUM
fsr-3470	183	46	0	0	NUM
fsr-3470	184	1	%	%	NOUN
fsr-3470	184	2	1	1	NUM
fsr-3470	184	3	0	0	NUM
fsr-3470	184	4	0	0	NUM
fsr-3470	184	5	.0	.0	NUM
fsr-3470	184	6	0	0	NUM
fsr-3470	184	7	%	%	NOUN
fsr-3470	184	8	f	f	NOUN
fsr-3470	184	9	in	in	ADP
fsr-3470	184	10	an	an	DET
fsr-3470	184	11	ci	ci	PROPN
fsr-3470	184	12	al	al	PROPN
fsr-3470	184	13	li	li	PROPN
fsr-3470	184	14	te	te	PROPN
fsr-3470	184	15	ra	ra	PROPN
fsr-3470	184	16	cy	cy	INTJ
fsr-3470	184	17	sc	sc	PROPN
fsr-3470	184	18	o	o	X
fsr-3470	184	19	re	re	X
fsr-3470	184	20	(	(	PUNCT
fsr-3470	184	21	m	m	PROPN
fsr-3470	184	22	)	)	PUNCT
fsr-3470	184	23	2	2	NUM
fsr-3470	184	24	.4	.4	NUM
fsr-3470	184	25	8	8	NUM
fsr-3470	184	26	2	2	NUM
fsr-3470	184	27	.5	.5	NUM
fsr-3470	184	28	3	3	NUM
fsr-3470	184	29	3	3	NUM
fsr-3470	184	30	.0	.0	NUM
fsr-3470	184	31	0	0	NUM
fsr-3470	184	32	2	2	NUM
fsr-3470	184	33	.5	.5	NUM
fsr-3470	184	34	3	3	NUM
fsr-3470	184	35	2	2	NUM
fsr-3470	184	36	.7	.7	NUM
fsr-3470	184	37	3	3	NUM
fsr-3470	184	38	2	2	NUM
fsr-3470	184	39	.6	.6	NUM
fsr-3470	184	40	6	6	NUM
fsr-3470	184	41	n	n	NUM
fsr-3470	184	42	3	3	NUM
fsr-3470	184	43	,	,	PUNCT
fsr-3470	184	44	4	4	NUM
fsr-3470	184	45	4	4	NUM
fsr-3470	184	46	4	4	NUM
fsr-3470	184	47	7	7	NUM
fsr-3470	184	48	4	4	NUM
fsr-3470	184	49	2	2	NUM
fsr-3470	184	50	,	,	PUNCT
fsr-3470	184	51	1	1	NUM
fsr-3470	184	52	5	5	NUM
fsr-3470	184	53	0	0	NUM
fsr-3470	184	54	3	3	NUM
fsr-3470	184	55	,	,	PUNCT
fsr-3470	184	56	0	0	NUM
fsr-3470	184	57	0	0	NUM
fsr-3470	184	58	1	1	NUM
fsr-3470	184	59	8	8	NUM
fsr-3470	184	60	0	0	NUM
fsr-3470	184	61	2	2	NUM
fsr-3470	184	62	9	9	NUM
fsr-3470	184	63	3	3	NUM
fsr-3470	184	64	1	1	NUM
fsr-3470	184	65	n	n	NUM
fsr-3470	184	66	o	o	NOUN
fsr-3470	184	67	te	te	ADP
fsr-3470	184	68	s	s	NOUN
fsr-3470	184	69	:	:	PUNCT
fsr-3470	184	70	“	"	PUNCT
fsr-3470	184	71	l	l	NOUN
fsr-3470	184	72	o	o	X
fsr-3470	184	73	w	w	NOUN
fsr-3470	184	74	li	li	PROPN
fsr-3470	184	75	te	te	PROPN
fsr-3470	184	76	ra	ra	PROPN
fsr-3470	184	77	cy	cy	INTJ
fsr-3470	184	78	”	"	PUNCT
fsr-3470	184	79	g	g	PROPN
fsr-3470	184	80	ro	ro	PROPN
fsr-3470	184	81	u	u	PROPN
fsr-3470	184	82	p	p	PROPN
fsr-3470	184	83	an	an	DET
fsr-3470	184	84	sw	sw	PROPN
fsr-3470	184	85	er	er	INTJ
fsr-3470	184	86	ed	ed	NOUN
fsr-3470	184	87	n	n	ADP
fsr-3470	184	88	o	o	NOUN
fsr-3470	184	89	l	l	X
fsr-3470	184	90	u	u	X
fsr-3470	184	91	sa	sa	PROPN
fsr-3470	184	92	rd	rd	PROPN
fsr-3470	185	1	i	i	PRON
fsr-3470	185	2	m	m	VERB
fsr-3470	185	3	it	it	PRON
fsr-3470	185	4	ch	ch	NOUN
fsr-3470	186	1	el	el	PROPN
fsr-3470	186	2	l	l	PROPN
fsr-3470	186	3	b	b	X
fsr-3470	187	1	ig	ig	PROPN
fsr-3470	187	2	3	3	NUM
fsr-3470	187	3	q	q	NOUN
fsr-3470	187	4	u	u	NOUN
fsr-3470	187	5	es	es	X
fsr-3470	187	6	ti	ti	NOUN
fsr-3470	187	7	o	o	NOUN
fsr-3470	187	8	n	n	NOUN
fsr-3470	187	9	s	s	X
fsr-3470	187	10	co	co	PROPN
fsr-3470	187	11	rr	rr	PROPN
fsr-3470	187	12	ec	ec	PROPN
fsr-3470	187	13	tl	tl	PROPN
fsr-3470	187	14	y	y	PROPN
fsr-3470	187	15	,	,	PUNCT
fsr-3470	187	16	“	"	PUNCT
fsr-3470	187	17	h	h	NOUN
fsr-3470	187	18	ig	ig	PROPN
fsr-3470	187	19	h	h	NOUN
fsr-3470	187	20	li	li	PROPN
fsr-3470	188	1	te	te	PROPN
fsr-3470	188	2	ra	ra	PROPN
fsr-3470	188	3	cy	cy	INTJ
fsr-3470	188	4	”	"	PUNCT
fsr-3470	188	5	g	g	PROPN
fsr-3470	188	6	ro	ro	PROPN
fsr-3470	188	7	u	u	PROPN
fsr-3470	188	8	p	p	PROPN
fsr-3470	188	9	an	an	DET
fsr-3470	188	10	sw	sw	PROPN
fsr-3470	188	11	er	er	INTJ
fsr-3470	188	12	ed	ed	NOUN
fsr-3470	188	13	th	th	X
fsr-3470	188	14	re	re	X
fsr-3470	188	15	e	e	NOUN
fsr-3470	188	16	q	q	X
fsr-3470	188	17	u	u	NOUN
fsr-3470	188	18	es	es	X
fsr-3470	188	19	ti	ti	NOUN
fsr-3470	188	20	o	o	NOUN
fsr-3470	188	21	n	n	NOUN
fsr-3470	188	22	s	s	X
fsr-3470	188	23	co	co	PROPN
fsr-3470	188	24	rr	rr	PROPN
fsr-3470	188	25	ec	ec	PROPN
fsr-3470	188	26	tl	tl	PROPN
fsr-3470	188	27	y	y	PROPN
fsr-3470	188	28	.	.	PUNCT
fsr-3470	189	1	f	f	PROPN
fsr-3470	189	2	w	w	PROPN
fsr-3470	189	3	b	b	PROPN
fsr-3470	189	4	q	q	X
fsr-3470	189	5	3	3	NUM
fsr-3470	189	6	+	+	NUM
fsr-3470	189	7	ar	ar	PROPN
fsr-3470	189	8	e	e	NOUN
fsr-3470	189	9	re	re	ADP
fsr-3470	189	10	sp	sp	ADP
fsr-3470	189	11	o	o	PROPN
fsr-3470	189	12	n	n	PROPN
fsr-3470	189	13	d	d	X
fsr-3470	189	14	en	en	X
fsr-3470	189	15	ts	ts	X
fsr-3470	189	16	th	th	X
fsr-3470	189	17	at	at	ADP
fsr-3470	189	18	w	w	PROPN
fsr-3470	189	19	er	er	INTJ
fsr-3470	189	20	e	e	NOUN
fsr-3470	189	21	in	in	ADP
fsr-3470	189	22	th	th	NUM
fsr-3470	189	23	e	e	X
fsr-3470	189	24	th	th	X
fsr-3470	189	25	ir	ir	PROPN
fsr-3470	190	1	d	d	NOUN
fsr-3470	190	2	an	an	PROPN
fsr-3470	190	3	d	d	NOUN
fsr-3470	190	4	fo	fo	ADP
fsr-3470	190	5	u	u	INTJ
fsr-3470	190	6	rt	rt	PROPN
fsr-3470	190	7	h	h	NOUN
fsr-3470	190	8	q	q	PROPN
fsr-3470	190	9	u	u	PROPN
fsr-3470	190	10	ar	ar	X
fsr-3470	190	11	ti	ti	PROPN
fsr-3470	190	12	le	le	NOUN
fsr-3470	190	13	o	o	NOUN
fsr-3470	191	1	f	f	PROPN
fsr-3470	191	2	f	f	PROPN
fsr-3470	191	3	w	w	PROPN
fsr-3470	191	4	b	b	PROPN
fsr-3470	191	5	.	.	PUNCT
fsr-3470	192	1	f	f	PROPN
fsr-3470	192	2	w	w	PROPN
fsr-3470	192	3	b	b	PROPN
fsr-3470	192	4	=	=	PUNCT
fsr-3470	192	5	c	c	PROPN
fsr-3470	192	6	f	f	PROPN
fsr-3470	192	7	p	p	PROPN
fsr-3470	192	8	b	b	PROPN
fsr-3470	192	9	’s	’s	X
fsr-3470	192	10	f	f	NOUN
fsr-3470	192	11	in	in	ADP
fsr-3470	192	12	an	an	DET
fsr-3470	192	13	ci	ci	PROPN
fsr-3470	192	14	al	al	PROPN
fsr-3470	192	15	w	w	PROPN
fsr-3470	192	16	el	el	PROPN
fsr-3470	192	17	lb	lb	INTJ
fsr-3470	192	18	ei	ei	NOUN
fsr-3470	192	19	n	n	PRON
fsr-3470	192	20	g	g	NOUN
fsr-3470	192	21	.	.	PUNCT
fsr-3470	193	1	38	38	NUM
fsr-3470	193	2	b.	b.	PROPN
fsr-3470	193	3	scholl	scholl	PROPN
fsr-3470	193	4	and	and	CCONJ
fsr-3470	193	5	a.	a.	NOUN
fsr-3470	193	6	fontes	fontes	PROPN
fsr-3470	193	7	/	/	SYM
fsr-3470	193	8	financial	financial	ADJ
fsr-3470	193	9	services	service	NOUN
fsr-3470	193	10	review	review	VERB
fsr-3470	193	11	30	30	NUM
fsr-3470	193	12	(	(	PUNCT
fsr-3470	193	13	2022	2022	NUM
fsr-3470	193	14	)	)	PUNCT
fsr-3470	194	1	31–56	31–56	NUM
fsr-3470	194	2	study	study	NOUN
fsr-3470	194	3	via	via	ADP
fsr-3470	194	4	points	point	NOUN
fsr-3470	194	5	redeemable	redeemable	NOUN
fsr-3470	194	6	for	for	ADP
fsr-3470	194	7	consumer	consumer	NOUN
fsr-3470	194	8	goods	good	NOUN
fsr-3470	194	9	,	,	PUNCT
fsr-3470	194	10	gift	gift	NOUN
fsr-3470	194	11	card	card	NOUN
fsr-3470	194	12	,	,	PUNCT
fsr-3470	194	13	or	or	CCONJ
fsr-3470	194	14	cash	cash	NOUN
fsr-3470	194	15	of	of	ADP
fsr-3470	194	16	approximately	approximately	ADV
fsr-3470	194	17	$	$	SYM
fsr-3470	194	18	10	10	NUM
fsr-3470	194	19	.	.	PUNCT
fsr-3470	195	1	average	average	ADJ
fsr-3470	195	2	survey	survey	NOUN
fsr-3470	195	3	length	length	NOUN
fsr-3470	195	4	for	for	ADP
fsr-3470	195	5	each	each	DET
fsr-3470	195	6	wave	wave	NOUN
fsr-3470	195	7	was	be	AUX
fsr-3470	195	8	21	21	NUM
fsr-3470	195	9	-	-	SYM
fsr-3470	195	10	26	26	NUM
fsr-3470	195	11	min	min	NOUN
fsr-3470	195	12	,	,	PUNCT
fsr-3470	195	13	although	although	SCONJ
fsr-3470	195	14	our	our	PRON
fsr-3470	195	15	knowledge	knowledge	NOUN
fsr-3470	195	16	index	index	NOUN
fsr-3470	195	17	only	only	ADV
fsr-3470	195	18	required	require	VERB
fsr-3470	195	19	a	a	DET
fsr-3470	195	20	few	few	ADJ
fsr-3470	195	21	minutes	minute	NOUN
fsr-3470	195	22	to	to	PART
fsr-3470	195	23	complete	complete	VERB
fsr-3470	195	24	.	.	PUNCT
fsr-3470	196	1	several	several	ADJ
fsr-3470	196	2	aspects	aspect	NOUN
fsr-3470	196	3	of	of	ADP
fsr-3470	196	4	the	the	PRON
fsr-3470	196	5	as	as	SCONJ
fsr-3470	196	6	panel	panel	NOUN
fsr-3470	196	7	contribute	contribute	VERB
fsr-3470	196	8	to	to	ADP
fsr-3470	196	9	data	datum	NOUN
fsr-3470	196	10	quality	quality	NOUN
fsr-3470	196	11	when	when	SCONJ
fsr-3470	196	12	investigating	investigate	VERB
fsr-3470	196	13	household	household	NOUN
fsr-3470	196	14	finances	finance	NOUN
fsr-3470	196	15	.	.	PUNCT
fsr-3470	197	1	panelists	panelist	NOUN
fsr-3470	197	2	are	be	AUX
fsr-3470	197	3	recruited	recruit	VERB
fsr-3470	197	4	with	with	ADP
fsr-3470	197	5	an	an	DET
fsr-3470	197	6	enhanced	enhanced	ADJ
fsr-3470	197	7	addressbased	addressbased	ADJ
fsr-3470	197	8	sampling	sample	VERB
fsr-3470	197	9	frame	frame	NOUN
fsr-3470	197	10	that	that	PRON
fsr-3470	197	11	increases	increase	VERB
fsr-3470	197	12	coverage	coverage	NOUN
fsr-3470	197	13	of	of	ADP
fsr-3470	197	14	u.s	u.s	PROPN
fsr-3470	197	15	.	.	PROPN
fsr-3470	197	16	households	household	NOUN
fsr-3470	197	17	to	to	ADP
fsr-3470	197	18	over	over	ADP
fsr-3470	197	19	97	97	NUM
fsr-3470	197	20	%	%	NOUN
fsr-3470	197	21	,	,	PUNCT
fsr-3470	197	22	increasing	increase	VERB
fsr-3470	197	23	rural	rural	ADJ
fsr-3470	197	24	enumeration	enumeration	NOUN
fsr-3470	197	25	.	.	PUNCT
fsr-3470	198	1	internet	internet	NOUN
fsr-3470	198	2	-	-	PUNCT
fsr-3470	198	3	phone	phone	NOUN
fsr-3470	198	4	mixed	mix	VERB
fsr-3470	198	5	-	-	PUNCT
fsr-3470	198	6	mode	mode	NOUN
fsr-3470	198	7	data	data	NOUN
fsr-3470	198	8	collection	collection	NOUN
fsr-3470	198	9	accommodates	accommodate	VERB
fsr-3470	198	10	households	household	NOUN
fsr-3470	198	11	without	without	ADP
fsr-3470	198	12	internet	internet	NOUN
fsr-3470	198	13	access.10	access.10	NOUN
fsr-3470	198	14	table	table	NOUN
fsr-3470	198	15	1	1	NUM
fsr-3470	198	16	presents	present	VERB
fsr-3470	198	17	the	the	DET
fsr-3470	198	18	demographics	demographic	NOUN
fsr-3470	198	19	of	of	ADP
fsr-3470	198	20	the	the	DET
fsr-3470	198	21	sample	sample	NOUN
fsr-3470	198	22	as	as	ADP
fsr-3470	198	23	a	a	DET
fsr-3470	198	24	whole	whole	NOUN
fsr-3470	198	25	,	,	PUNCT
fsr-3470	198	26	and	and	CCONJ
fsr-3470	198	27	by	by	ADP
fsr-3470	198	28	subcategories	subcategorie	NOUN
fsr-3470	198	29	used	use	VERB
fsr-3470	198	30	in	in	ADP
fsr-3470	198	31	index	index	NOUN
fsr-3470	198	32	validation	validation	NOUN
fsr-3470	198	33	.	.	PUNCT
fsr-3470	199	1	by	by	ADP
fsr-3470	199	2	intention	intention	NOUN
fsr-3470	199	3	,	,	PUNCT
fsr-3470	199	4	we	we	PRON
fsr-3470	199	5	oversampled	oversample	VERB
fsr-3470	199	6	likely	likely	ADJ
fsr-3470	199	7	mutual	mutual	ADJ
fsr-3470	199	8	fund	fund	NOUN
fsr-3470	199	9	investors	investor	NOUN
fsr-3470	199	10	in	in	ADP
fsr-3470	199	11	our	our	PRON
fsr-3470	199	12	initial	initial	ADJ
fsr-3470	199	13	recruitment	recruitment	NOUN
fsr-3470	199	14	;	;	PUNCT
fsr-3470	199	15	as	as	ADP
fsr-3470	199	16	such	such	ADJ
fsr-3470	199	17	,	,	PUNCT
fsr-3470	199	18	the	the	DET
fsr-3470	199	19	sample	sample	NOUN
fsr-3470	199	20	reported	report	VERB
fsr-3470	199	21	here	here	ADV
fsr-3470	199	22	is	be	AUX
fsr-3470	199	23	older	old	ADJ
fsr-3470	199	24	and	and	CCONJ
fsr-3470	199	25	more	more	ADV
fsr-3470	199	26	educated	educated	ADJ
fsr-3470	199	27	than	than	ADP
fsr-3470	199	28	the	the	DET
fsr-3470	199	29	u.s	u.s	PROPN
fsr-3470	199	30	.	.	PROPN
fsr-3470	199	31	population.11	population.11	PROPN
fsr-3470	199	32	3.2	3.2	NUM
fsr-3470	199	33	.	.	PUNCT
fsr-3470	199	34	mutual	mutual	ADJ
fsr-3470	199	35	fund	fund	NOUN
fsr-3470	199	36	literacy	literacy	NOUN
fsr-3470	199	37	item	item	NOUN
fsr-3470	199	38	identification	identification	NOUN
fsr-3470	199	39	we	we	PRON
fsr-3470	199	40	developed	develop	VERB
fsr-3470	199	41	a	a	DET
fsr-3470	199	42	set	set	NOUN
fsr-3470	199	43	of	of	ADP
fsr-3470	199	44	true	true	ADJ
fsr-3470	199	45	/	/	SYM
fsr-3470	199	46	false	false	ADJ
fsr-3470	199	47	items	item	NOUN
fsr-3470	199	48	based	base	VERB
fsr-3470	199	49	on	on	ADP
fsr-3470	199	50	a	a	DET
fsr-3470	199	51	careful	careful	ADJ
fsr-3470	199	52	review	review	NOUN
fsr-3470	199	53	of	of	ADP
fsr-3470	199	54	existing	exist	VERB
fsr-3470	199	55	work	work	NOUN
fsr-3470	199	56	in	in	ADP
fsr-3470	199	57	the	the	DET
fsr-3470	199	58	areas	area	NOUN
fsr-3470	199	59	of	of	ADP
fsr-3470	199	60	general	general	ADJ
fsr-3470	199	61	financial	financial	ADJ
fsr-3470	199	62	literacy	literacy	NOUN
fsr-3470	199	63	(	(	PUNCT
fsr-3470	199	64	e.g.	e.g.	ADV
fsr-3470	199	65	,	,	PUNCT
fsr-3470	199	66	lusardi	lusardi	NOUN
fsr-3470	199	67	,	,	PUNCT
fsr-3470	199	68	2008	2008	NUM
fsr-3470	199	69	;	;	PUNCT
fsr-3470	199	70	lusardi	lusardi	PROPN
fsr-3470	199	71	&	&	CCONJ
fsr-3470	199	72	mitchell	mitchell	PROPN
fsr-3470	199	73	,	,	PUNCT
fsr-3470	199	74	2014	2014	NUM
fsr-3470	199	75	)	)	PUNCT
fsr-3470	199	76	,	,	PUNCT
fsr-3470	199	77	investment	investment	NOUN
fsr-3470	199	78	literacy	literacy	NOUN
fsr-3470	199	79	(	(	PUNCT
fsr-3470	199	80	e.g.	e.g.	ADV
fsr-3470	199	81	,	,	PUNCT
fsr-3470	199	82	forbes	forbes	PROPN
fsr-3470	199	83	&	&	CCONJ
fsr-3470	199	84	kara	kara	PROPN
fsr-3470	199	85	,	,	PUNCT
fsr-3470	199	86	2010	2010	NUM
fsr-3470	199	87	)	)	PUNCT
fsr-3470	199	88	,	,	PUNCT
fsr-3470	199	89	and	and	CCONJ
fsr-3470	199	90	mutual	mutual	ADJ
fsr-3470	199	91	fund	fund	NOUN
fsr-3470	199	92	investment	investment	NOUN
fsr-3470	199	93	knowledge	knowledge	NOUN
fsr-3470	199	94	(	(	PUNCT
fsr-3470	199	95	specifically	specifically	ADV
fsr-3470	199	96	,	,	PUNCT
fsr-3470	199	97	alexander	alexander	PROPN
fsr-3470	199	98	,	,	PUNCT
fsr-3470	199	99	jones	jones	PROPN
fsr-3470	199	100	,	,	PUNCT
fsr-3470	199	101	&	&	CCONJ
fsr-3470	199	102	nigro	nigro	NOUN
fsr-3470	199	103	,	,	PUNCT
fsr-3470	199	104	1998	1998	NUM
fsr-3470	199	105	)	)	PUNCT
fsr-3470	199	106	.	.	PUNCT
fsr-3470	200	1	our	our	PRON
fsr-3470	200	2	question	question	NOUN
fsr-3470	200	3	areas	area	NOUN
fsr-3470	200	4	were	be	AUX
fsr-3470	200	5	designed	design	VERB
fsr-3470	200	6	to	to	PART
fsr-3470	200	7	test	test	VERB
fsr-3470	200	8	respondent	respondent	VERB
fsr-3470	200	9	technical	technical	ADJ
fsr-3470	200	10	knowledge	knowledge	NOUN
fsr-3470	200	11	on	on	ADP
fsr-3470	200	12	key	key	ADJ
fsr-3470	200	13	features	feature	NOUN
fsr-3470	200	14	of	of	ADP
fsr-3470	200	15	mutual	mutual	ADJ
fsr-3470	200	16	funds	fund	NOUN
fsr-3470	200	17	.	.	PUNCT
fsr-3470	201	1	more	more	ADV
fsr-3470	201	2	specifically	specifically	ADV
fsr-3470	201	3	,	,	PUNCT
fsr-3470	201	4	they	they	PRON
fsr-3470	201	5	were	be	AUX
fsr-3470	201	6	designed	design	VERB
fsr-3470	201	7	to	to	PART
fsr-3470	201	8	elicit	elicit	VERB
fsr-3470	201	9	technical	technical	ADJ
fsr-3470	201	10	knowledge	knowledge	NOUN
fsr-3470	201	11	of	of	ADP
fsr-3470	201	12	key	key	ADJ
fsr-3470	201	13	choice	choice	NOUN
fsr-3470	201	14	features	feature	NOUN
fsr-3470	201	15	(	(	PUNCT
fsr-3470	201	16	most	most	ADV
fsr-3470	201	17	notably	notably	ADV
fsr-3470	201	18	,	,	PUNCT
fsr-3470	201	19	risks	risk	NOUN
fsr-3470	201	20	and	and	CCONJ
fsr-3470	201	21	fees	fee	NOUN
fsr-3470	201	22	)	)	PUNCT
fsr-3470	201	23	that	that	PRON
fsr-3470	201	24	we	we	PRON
fsr-3470	201	25	identified	identify	VERB
fsr-3470	201	26	as	as	ADP
fsr-3470	201	27	helpful	helpful	ADJ
fsr-3470	201	28	to	to	ADP
fsr-3470	201	29	an	an	DET
fsr-3470	201	30	investor	investor	NOUN
fsr-3470	201	31	in	in	ADP
fsr-3470	201	32	the	the	DET
fsr-3470	201	33	context	context	NOUN
fsr-3470	201	34	of	of	ADP
fsr-3470	201	35	mutual	mutual	ADJ
fsr-3470	201	36	fund	fund	NOUN
fsr-3470	201	37	selection	selection	NOUN
fsr-3470	201	38	problems	problem	NOUN
fsr-3470	201	39	.	.	PUNCT
fsr-3470	202	1	we	we	PRON
fsr-3470	202	2	believe	believe	VERB
fsr-3470	202	3	that	that	SCONJ
fsr-3470	202	4	individuals	individual	NOUN
fsr-3470	202	5	lacking	lack	VERB
fsr-3470	202	6	knowledge	knowledge	NOUN
fsr-3470	202	7	of	of	ADP
fsr-3470	202	8	these	these	DET
fsr-3470	202	9	attributes	attribute	NOUN
fsr-3470	202	10	would	would	AUX
fsr-3470	202	11	be	be	AUX
fsr-3470	202	12	impaired	impair	VERB
fsr-3470	202	13	in	in	ADP
fsr-3470	202	14	investment	investment	NOUN
fsr-3470	202	15	decision	decision	NOUN
fsr-3470	202	16	-	-	PUNCT
fsr-3470	202	17	making	make	VERB
fsr-3470	202	18	situations	situation	NOUN
fsr-3470	202	19	.	.	PUNCT
fsr-3470	203	1	we	we	PRON
fsr-3470	203	2	favored	favor	VERB
fsr-3470	203	3	this	this	DET
fsr-3470	203	4	technical	technical	ADJ
fsr-3470	203	5	knowledge	knowledge	NOUN
fsr-3470	203	6	approach	approach	NOUN
fsr-3470	203	7	over	over	ADP
fsr-3470	203	8	a	a	DET
fsr-3470	203	9	more	more	ADV
fsr-3470	203	10	generalized	generalized	ADJ
fsr-3470	203	11	set	set	NOUN
fsr-3470	203	12	of	of	ADP
fsr-3470	203	13	economic	economic	ADJ
fsr-3470	203	14	concepts	concept	NOUN
fsr-3470	203	15	that	that	PRON
fsr-3470	203	16	are	be	AUX
fsr-3470	203	17	typically	typically	ADV
fsr-3470	203	18	found	find	VERB
fsr-3470	203	19	in	in	ADP
fsr-3470	203	20	financial	financial	ADJ
fsr-3470	203	21	literacy	literacy	NOUN
fsr-3470	203	22	batteries	battery	NOUN
fsr-3470	203	23	.	.	PUNCT
fsr-3470	204	1	once	once	ADV
fsr-3470	204	2	identified	identify	VERB
fsr-3470	204	3	,	,	PUNCT
fsr-3470	204	4	items	item	NOUN
fsr-3470	204	5	were	be	AUX
fsr-3470	204	6	then	then	ADV
fsr-3470	204	7	refined	refine	VERB
fsr-3470	204	8	with	with	ADP
fsr-3470	204	9	extensive	extensive	ADJ
fsr-3470	204	10	expert	expert	NOUN
fsr-3470	204	11	input	input	NOUN
fsr-3470	204	12	from	from	ADP
fsr-3470	204	13	individuals	individual	NOUN
fsr-3470	204	14	with	with	ADP
fsr-3470	204	15	highly	highly	ADV
fsr-3470	204	16	specialized	specialized	ADJ
fsr-3470	204	17	knowledge	knowledge	NOUN
fsr-3470	204	18	and	and	CCONJ
fsr-3470	204	19	experience	experience	NOUN
fsr-3470	204	20	regarding	regard	VERB
fsr-3470	204	21	regulation	regulation	NOUN
fsr-3470	204	22	,	,	PUNCT
fsr-3470	204	23	financial	financial	ADJ
fsr-3470	204	24	education	education	NOUN
fsr-3470	204	25	,	,	PUNCT
fsr-3470	204	26	investor	investor	NOUN
fsr-3470	204	27	advocacy	advocacy	NOUN
fsr-3470	204	28	,	,	PUNCT
fsr-3470	204	29	in	in	ADP
fsr-3470	204	30	the	the	DET
fsr-3470	204	31	context	context	NOUN
fsr-3470	204	32	of	of	ADP
fsr-3470	204	33	both	both	CCONJ
fsr-3470	204	34	the	the	DET
fsr-3470	204	35	technical	technical	ADJ
fsr-3470	204	36	features	feature	NOUN
fsr-3470	204	37	of	of	ADP
fsr-3470	204	38	the	the	DET
fsr-3470	204	39	funds	fund	NOUN
fsr-3470	204	40	and	and	CCONJ
fsr-3470	204	41	the	the	DET
fsr-3470	204	42	regulatory	regulatory	ADJ
fsr-3470	204	43	tools	tool	NOUN
fsr-3470	204	44	that	that	PRON
fsr-3470	204	45	regulators	regulator	NOUN
fsr-3470	204	46	apply	apply	VERB
fsr-3470	204	47	to	to	ADP
fsr-3470	204	48	mutual	mutual	ADJ
fsr-3470	204	49	fund	fund	NOUN
fsr-3470	204	50	products	product	NOUN
fsr-3470	204	51	.	.	PUNCT
fsr-3470	205	1	some	some	PRON
fsr-3470	205	2	of	of	ADP
fsr-3470	205	3	these	these	DET
fsr-3470	205	4	individuals	individual	NOUN
fsr-3470	205	5	were	be	AUX
fsr-3470	205	6	intimately	intimately	ADV
fsr-3470	205	7	familiar	familiar	ADJ
fsr-3470	205	8	with	with	ADP
fsr-3470	205	9	financial	financial	ADJ
fsr-3470	205	10	literacy	literacy	NOUN
fsr-3470	205	11	issues	issue	NOUN
fsr-3470	205	12	and	and	CCONJ
fsr-3470	205	13	programs	program	NOUN
fsr-3470	205	14	as	as	SCONJ
fsr-3470	205	15	they	they	PRON
fsr-3470	205	16	are	be	AUX
fsr-3470	205	17	viewed	view	VERB
fsr-3470	205	18	and	and	CCONJ
fsr-3470	205	19	implemented	implement	VERB
fsr-3470	205	20	by	by	ADP
fsr-3470	205	21	regulators	regulator	NOUN
fsr-3470	205	22	,	,	PUNCT
fsr-3470	205	23	while	while	SCONJ
fsr-3470	205	24	others	other	NOUN
fsr-3470	205	25	had	have	VERB
fsr-3470	205	26	experience	experience	NOUN
fsr-3470	205	27	in	in	ADP
fsr-3470	205	28	disclosure	disclosure	NOUN
fsr-3470	205	29	review	review	NOUN
fsr-3470	205	30	and/or	and/or	CCONJ
fsr-3470	205	31	the	the	DET
fsr-3470	205	32	writing	writing	NOUN
fsr-3470	205	33	of	of	ADP
fsr-3470	205	34	disclosure	disclosure	NOUN
fsr-3470	205	35	rules	rule	NOUN
fsr-3470	205	36	and	and	CCONJ
fsr-3470	205	37	regulations	regulation	NOUN
fsr-3470	205	38	.	.	PUNCT
fsr-3470	206	1	an	an	DET
fsr-3470	206	2	investor	investor	NOUN
fsr-3470	206	3	advocate	advocate	NOUN
fsr-3470	206	4	entity	entity	NOUN
fsr-3470	206	5	that	that	PRON
fsr-3470	206	6	promotes	promote	VERB
fsr-3470	206	7	pro	pro	ADJ
fsr-3470	206	8	-	-	ADJ
fsr-3470	206	9	investor	investor	ADJ
fsr-3470	206	10	policies	policy	NOUN
fsr-3470	206	11	with	with	ADP
fsr-3470	206	12	regulators	regulator	NOUN
fsr-3470	206	13	also	also	ADV
fsr-3470	206	14	provided	provide	VERB
fsr-3470	206	15	an	an	DET
fsr-3470	206	16	important	important	ADJ
fsr-3470	206	17	perspective	perspective	NOUN
fsr-3470	206	18	.	.	PUNCT
fsr-3470	207	1	we	we	PRON
fsr-3470	207	2	refined	refine	VERB
fsr-3470	207	3	the	the	DET
fsr-3470	207	4	questions	question	NOUN
fsr-3470	207	5	so	so	SCONJ
fsr-3470	207	6	that	that	SCONJ
fsr-3470	207	7	they	they	PRON
fsr-3470	207	8	would	would	AUX
fsr-3470	207	9	identify	identify	VERB
fsr-3470	207	10	and	and	CCONJ
fsr-3470	207	11	elicit	elicit	VERB
fsr-3470	207	12	knowledge	knowledge	NOUN
fsr-3470	207	13	gaps	gap	NOUN
fsr-3470	207	14	that	that	PRON
fsr-3470	207	15	would	would	AUX
fsr-3470	207	16	inhibit	inhibit	VERB
fsr-3470	207	17	investors	investor	NOUN
fsr-3470	207	18	from	from	ADP
fsr-3470	207	19	utilizing	utilize	VERB
fsr-3470	207	20	the	the	DET
fsr-3470	207	21	information	information	NOUN
fsr-3470	207	22	contained	contain	VERB
fsr-3470	207	23	in	in	ADP
fsr-3470	207	24	disclosures	disclosure	NOUN
fsr-3470	207	25	for	for	ADP
fsr-3470	207	26	decision	decision	NOUN
fsr-3470	207	27	making	making	NOUN
fsr-3470	207	28	.	.	PUNCT
fsr-3470	208	1	we	we	PRON
fsr-3470	208	2	view	view	VERB
fsr-3470	208	3	the	the	DET
fsr-3470	208	4	link	link	NOUN
fsr-3470	208	5	to	to	ADP
fsr-3470	208	6	mutual	mutual	ADJ
fsr-3470	208	7	fund	fund	NOUN
fsr-3470	208	8	disclosures	disclosure	NOUN
fsr-3470	208	9	,	,	PUNCT
fsr-3470	208	10	the	the	DET
fsr-3470	208	11	primary	primary	ADJ
fsr-3470	208	12	method	method	NOUN
fsr-3470	208	13	of	of	ADP
fsr-3470	208	14	information	information	NOUN
fsr-3470	208	15	exchange	exchange	NOUN
fsr-3470	208	16	on	on	ADP
fsr-3470	208	17	investment	investment	NOUN
fsr-3470	208	18	options	option	NOUN
fsr-3470	208	19	,	,	PUNCT
fsr-3470	208	20	as	as	ADV
fsr-3470	208	21	extremely	extremely	ADV
fsr-3470	208	22	important	important	ADJ
fsr-3470	208	23	.	.	PUNCT
fsr-3470	209	1	our	our	PRON
fsr-3470	209	2	article	article	NOUN
fsr-3470	209	3	focuses	focus	VERB
fsr-3470	209	4	on	on	ADP
fsr-3470	209	5	technical	technical	ADJ
fsr-3470	209	6	knowledge	knowledge	NOUN
fsr-3470	209	7	that	that	PRON
fsr-3470	209	8	relates	relate	VERB
fsr-3470	209	9	to	to	PART
fsr-3470	209	10	feature	feature	VERB
fsr-3470	209	11	concepts	concept	NOUN
fsr-3470	209	12	or	or	CCONJ
fsr-3470	209	13	applications	application	NOUN
fsr-3470	209	14	that	that	PRON
fsr-3470	209	15	may	may	AUX
fsr-3470	209	16	inhibit	inhibit	VERB
fsr-3470	209	17	investors	investor	NOUN
fsr-3470	209	18	from	from	ADP
fsr-3470	209	19	making	make	VERB
fsr-3470	209	20	use	use	NOUN
fsr-3470	209	21	of	of	ADP
fsr-3470	209	22	disclosed	disclose	VERB
fsr-3470	209	23	information	information	NOUN
fsr-3470	209	24	for	for	ADP
fsr-3470	209	25	informed	informed	ADJ
fsr-3470	209	26	decision	decision	NOUN
fsr-3470	209	27	making	making	NOUN
fsr-3470	209	28	.	.	PUNCT
fsr-3470	210	1	for	for	ADP
fsr-3470	210	2	example	example	NOUN
fsr-3470	210	3	,	,	PUNCT
fsr-3470	210	4	for	for	SCONJ
fsr-3470	210	5	an	an	DET
fsr-3470	210	6	investor	investor	NOUN
fsr-3470	210	7	to	to	PART
fsr-3470	210	8	pick	pick	VERB
fsr-3470	210	9	a	a	DET
fsr-3470	210	10	mutual	mutual	ADJ
fsr-3470	210	11	fund	fund	NOUN
fsr-3470	210	12	that	that	PRON
fsr-3470	210	13	avoids	avoid	VERB
fsr-3470	210	14	a	a	DET
fsr-3470	210	15	load	load	NOUN
fsr-3470	210	16	fee	fee	NOUN
fsr-3470	210	17	:	:	PUNCT
fsr-3470	210	18	the	the	DET
fsr-3470	210	19	individual	individual	NOUN
fsr-3470	210	20	may	may	AUX
fsr-3470	210	21	need	need	VERB
fsr-3470	210	22	to	to	PART
fsr-3470	210	23	be	be	AUX
fsr-3470	210	24	aware	aware	ADJ
fsr-3470	210	25	that	that	SCONJ
fsr-3470	210	26	a	a	DET
fsr-3470	210	27	sales	sale	NOUN
fsr-3470	210	28	charge	charge	NOUN
fsr-3470	210	29	exists	exist	VERB
fsr-3470	210	30	;	;	PUNCT
fsr-3470	210	31	what	what	PRON
fsr-3470	210	32	services	service	VERB
fsr-3470	210	33	the	the	DET
fsr-3470	210	34	load	load	NOUN
fsr-3470	210	35	pays	pay	VERB
fsr-3470	210	36	for	for	ADP
fsr-3470	210	37	and	and	CCONJ
fsr-3470	210	38	what	what	PRON
fsr-3470	210	39	is	be	AUX
fsr-3470	210	40	the	the	DET
fsr-3470	210	41	typical	typical	ADJ
fsr-3470	210	42	range	range	NOUN
fsr-3470	210	43	in	in	ADP
fsr-3470	210	44	such	such	ADJ
fsr-3470	210	45	charges	charge	NOUN
fsr-3470	210	46	;	;	PUNCT
fsr-3470	210	47	know	know	VERB
fsr-3470	210	48	that	that	SCONJ
fsr-3470	210	49	it	it	PRON
fsr-3470	210	50	must	must	AUX
fsr-3470	210	51	be	be	AUX
fsr-3470	210	52	disclosed	disclose	VERB
fsr-3470	210	53	in	in	ADP
fsr-3470	210	54	disclosures	disclosure	NOUN
fsr-3470	210	55	;	;	PUNCT
fsr-3470	210	56	understand	understand	VERB
fsr-3470	210	57	that	that	SCONJ
fsr-3470	210	58	the	the	DET
fsr-3470	210	59	appropriate	appropriate	ADJ
fsr-3470	210	60	term	term	NOUN
fsr-3470	210	61	is	be	AUX
fsr-3470	210	62	“	"	PUNCT
fsr-3470	210	63	load	load	NOUN
fsr-3470	210	64	”	"	PUNCT
fsr-3470	210	65	;	;	PUNCT
fsr-3470	210	66	be	be	AUX
fsr-3470	210	67	able	able	ADJ
fsr-3470	210	68	to	to	PART
fsr-3470	210	69	locate	locate	VERB
fsr-3470	210	70	it	it	PRON
fsr-3470	210	71	in	in	ADP
fsr-3470	210	72	disclosures	disclosure	NOUN
fsr-3470	210	73	;	;	PUNCT
fsr-3470	210	74	potentially	potentially	ADV
fsr-3470	210	75	evaluate	evaluate	VERB
fsr-3470	210	76	the	the	DET
fsr-3470	210	77	fee	fee	NOUN
fsr-3470	210	78	as	as	ADP
fsr-3470	210	79	part	part	NOUN
fsr-3470	210	80	of	of	ADP
fsr-3470	210	81	a	a	DET
fsr-3470	210	82	tradeoff	tradeoff	NOUN
fsr-3470	210	83	vis	vis	X
fsr-3470	210	84	-	-	PUNCT
fsr-3470	210	85	à-vis	à-vis	ADJ
fsr-3470	210	86	other	other	ADJ
fsr-3470	210	87	fees	fee	NOUN
fsr-3470	210	88	;	;	PUNCT
fsr-3470	210	89	understand	understand	VERB
fsr-3470	210	90	that	that	SCONJ
fsr-3470	210	91	no	no	DET
fsr-3470	210	92	-	-	PUNCT
fsr-3470	210	93	load	load	NOUN
fsr-3470	210	94	mutual	mutual	ADJ
fsr-3470	210	95	fund	fund	NOUN
fsr-3470	210	96	investments	investment	NOUN
fsr-3470	210	97	exist	exist	VERB
fsr-3470	210	98	;	;	PUNCT
fsr-3470	210	99	distinguish	distinguish	VERB
fsr-3470	210	100	it	it	PRON
fsr-3470	210	101	from	from	ADP
fsr-3470	210	102	alternative	alternative	ADJ
fsr-3470	210	103	“	"	PUNCT
fsr-3470	210	104	sales	sale	NOUN
fsr-3470	210	105	”	"	PUNCT
fsr-3470	210	106	charges	charge	NOUN
fsr-3470	210	107	(	(	PUNCT
fsr-3470	210	108	e.g.	e.g.	ADV
fsr-3470	210	109	,	,	PUNCT
fsr-3470	210	110	broker	broker	NOUN
fsr-3470	210	111	commissions)—that	commissions)—that	X
fsr-3470	210	112	is	be	AUX
fsr-3470	210	113	,	,	PUNCT
fsr-3470	210	114	know	know	VERB
fsr-3470	210	115	that	that	SCONJ
fsr-3470	210	116	commissions	commission	NOUN
fsr-3470	210	117	are	be	AUX
fsr-3470	210	118	not	not	PART
fsr-3470	210	119	the	the	DET
fsr-3470	210	120	only	only	ADJ
fsr-3470	210	121	b.	b.	PROPN
fsr-3470	210	122	scholl	scholl	PROPN
fsr-3470	210	123	and	and	CCONJ
fsr-3470	210	124	a.	a.	NOUN
fsr-3470	210	125	fontes	fontes	PROPN
fsr-3470	210	126	/	/	SYM
fsr-3470	210	127	financial	financial	ADJ
fsr-3470	210	128	services	service	NOUN
fsr-3470	210	129	review	review	VERB
fsr-3470	210	130	30	30	NUM
fsr-3470	210	131	(	(	PUNCT
fsr-3470	210	132	2022	2022	NUM
fsr-3470	210	133	)	)	PUNCT
fsr-3470	210	134	31–56	31–56	NUM
fsr-3470	210	135	39	39	NUM
fsr-3470	210	136	sales	sale	NOUN
fsr-3470	210	137	charge	charge	NOUN
fsr-3470	210	138	;	;	PUNCT
fsr-3470	210	139	and	and	CCONJ
fsr-3470	210	140	potentially	potentially	ADV
fsr-3470	210	141	to	to	PART
fsr-3470	210	142	understand	understand	VERB
fsr-3470	210	143	that	that	SCONJ
fsr-3470	210	144	loads	load	NOUN
fsr-3470	210	145	can	can	AUX
fsr-3470	210	146	potentially	potentially	ADV
fsr-3470	210	147	be	be	AUX
fsr-3470	210	148	applied	apply	VERB
fsr-3470	210	149	at	at	ADP
fsr-3470	210	150	both	both	DET
fsr-3470	210	151	the	the	DET
fsr-3470	210	152	time	time	NOUN
fsr-3470	210	153	of	of	ADP
fsr-3470	210	154	purchase	purchase	NOUN
fsr-3470	210	155	and	and	CCONJ
fsr-3470	210	156	the	the	DET
fsr-3470	210	157	time	time	NOUN
fsr-3470	210	158	of	of	ADP
fsr-3470	210	159	sale	sale	NOUN
fsr-3470	210	160	.	.	PUNCT
fsr-3470	211	1	without	without	ADP
fsr-3470	211	2	these	these	DET
fsr-3470	211	3	elements	element	NOUN
fsr-3470	211	4	of	of	ADP
fsr-3470	211	5	knowledge	knowledge	NOUN
fsr-3470	211	6	—	—	PUNCT
fsr-3470	211	7	clearly	clearly	ADV
fsr-3470	211	8	linked	link	VERB
fsr-3470	211	9	to	to	ADP
fsr-3470	211	10	disclosed	disclose	VERB
fsr-3470	211	11	information	information	NOUN
fsr-3470	211	12	and	and	CCONJ
fsr-3470	211	13	the	the	DET
fsr-3470	211	14	investor	investor	NOUN
fsr-3470	211	15	’s	’s	PART
fsr-3470	211	16	interaction	interaction	NOUN
fsr-3470	211	17	with	with	ADP
fsr-3470	211	18	disclosures	disclosure	NOUN
fsr-3470	211	19	—	—	PUNCT
fsr-3470	211	20	the	the	DET
fsr-3470	211	21	investor	investor	NOUN
fsr-3470	211	22	may	may	AUX
fsr-3470	211	23	not	not	PART
fsr-3470	211	24	be	be	AUX
fsr-3470	211	25	able	able	ADJ
fsr-3470	211	26	to	to	PART
fsr-3470	211	27	make	make	VERB
fsr-3470	211	28	an	an	DET
fsr-3470	211	29	optimal	optimal	ADJ
fsr-3470	211	30	choice	choice	NOUN
fsr-3470	211	31	.	.	PUNCT
fsr-3470	212	1	the	the	DET
fsr-3470	212	2	overriding	override	VERB
fsr-3470	212	3	importance	importance	NOUN
fsr-3470	212	4	of	of	ADP
fsr-3470	212	5	this	this	DET
fsr-3470	212	6	linkage	linkage	NOUN
fsr-3470	212	7	between	between	ADP
fsr-3470	212	8	knowledge	knowledge	NOUN
fsr-3470	212	9	or	or	CCONJ
fsr-3470	212	10	literacy	literacy	NOUN
fsr-3470	212	11	and	and	CCONJ
fsr-3470	212	12	disclosures	disclosure	NOUN
fsr-3470	212	13	has	have	AUX
fsr-3470	212	14	not	not	PART
fsr-3470	212	15	received	receive	VERB
fsr-3470	212	16	much	much	ADJ
fsr-3470	212	17	attention	attention	NOUN
fsr-3470	212	18	in	in	ADP
fsr-3470	212	19	the	the	DET
fsr-3470	212	20	academic	academic	ADJ
fsr-3470	212	21	literature	literature	NOUN
fsr-3470	212	22	,	,	PUNCT
fsr-3470	212	23	but	but	CCONJ
fsr-3470	212	24	is	be	AUX
fsr-3470	212	25	highlighted	highlight	VERB
fsr-3470	212	26	by	by	ADP
fsr-3470	212	27	a	a	DET
fsr-3470	212	28	2012	2012	NUM
fsr-3470	212	29	sec	sec	PROPN
fsr-3470	212	30	staff	staff	NOUN
fsr-3470	212	31	report	report	NOUN
fsr-3470	212	32	on	on	ADP
fsr-3470	212	33	financial	financial	ADJ
fsr-3470	212	34	literacy	literacy	NOUN
fsr-3470	212	35	(	(	PUNCT
fsr-3470	212	36	u.s	u.s	PROPN
fsr-3470	212	37	.	.	PROPN
fsr-3470	212	38	securities	securities	PROPN
fsr-3470	212	39	and	and	CCONJ
fsr-3470	212	40	exchange	exchange	PROPN
fsr-3470	212	41	commission	commission	PROPN
fsr-3470	212	42	,	,	PUNCT
fsr-3470	212	43	2012	2012	NUM
fsr-3470	212	44	)	)	PUNCT
fsr-3470	212	45	,	,	PUNCT
fsr-3470	212	46	which	which	PRON
fsr-3470	212	47	was	be	AUX
fsr-3470	212	48	undertaken	undertake	VERB
fsr-3470	212	49	pursuant	pursuant	ADV
fsr-3470	212	50	to	to	ADP
fsr-3470	212	51	a	a	DET
fsr-3470	212	52	mandate	mandate	NOUN
fsr-3470	212	53	in	in	ADP
fsr-3470	212	54	the	the	DET
fsr-3470	212	55	doddfrank	doddfrank	NOUN
fsr-3470	212	56	act	act	NOUN
fsr-3470	212	57	by	by	ADP
fsr-3470	212	58	congress	congress	PROPN
fsr-3470	212	59	.	.	PUNCT
fsr-3470	213	1	qualitative	qualitative	ADJ
fsr-3470	213	2	research	research	NOUN
fsr-3470	213	3	was	be	AUX
fsr-3470	213	4	used	use	VERB
fsr-3470	213	5	extensively	extensively	ADV
fsr-3470	213	6	during	during	ADP
fsr-3470	213	7	the	the	DET
fsr-3470	213	8	development	development	NOUN
fsr-3470	213	9	process	process	NOUN
fsr-3470	213	10	.	.	PUNCT
fsr-3470	214	1	an	an	DET
fsr-3470	214	2	initial	initial	ADJ
fsr-3470	214	3	round	round	NOUN
fsr-3470	214	4	of	of	ADP
fsr-3470	214	5	19	19	NUM
fsr-3470	214	6	interviews	interview	NOUN
fsr-3470	214	7	provided	provide	VERB
fsr-3470	214	8	early	early	ADJ
fsr-3470	214	9	insights	insight	NOUN
fsr-3470	214	10	that	that	PRON
fsr-3470	214	11	helped	help	VERB
fsr-3470	214	12	us	we	PRON
fsr-3470	214	13	to	to	PART
fsr-3470	214	14	identify	identify	VERB
fsr-3470	214	15	broad	broad	ADJ
fsr-3470	214	16	deficiencies	deficiency	NOUN
fsr-3470	214	17	in	in	ADP
fsr-3470	214	18	misconceptions	misconception	NOUN
fsr-3470	214	19	.	.	PUNCT
fsr-3470	215	1	these	these	DET
fsr-3470	215	2	interviews	interview	NOUN
fsr-3470	215	3	were	be	AUX
fsr-3470	215	4	centered	center	VERB
fsr-3470	215	5	around	around	ADP
fsr-3470	215	6	completion	completion	NOUN
fsr-3470	215	7	of	of	ADP
fsr-3470	215	8	a	a	DET
fsr-3470	215	9	specific	specific	ADJ
fsr-3470	215	10	mutual	mutual	ADJ
fsr-3470	215	11	fund	fund	NOUN
fsr-3470	215	12	choice	choice	NOUN
fsr-3470	215	13	task	task	NOUN
fsr-3470	215	14	,	,	PUNCT
fsr-3470	215	15	and	and	CCONJ
fsr-3470	215	16	revealed	reveal	VERB
fsr-3470	215	17	large	large	ADJ
fsr-3470	215	18	deficiencies	deficiency	NOUN
fsr-3470	215	19	in	in	ADP
fsr-3470	215	20	knowledge	knowledge	NOUN
fsr-3470	215	21	for	for	ADP
fsr-3470	215	22	certain	certain	ADJ
fsr-3470	215	23	participants	participant	NOUN
fsr-3470	215	24	.	.	PUNCT
fsr-3470	216	1	later	later	ADV
fsr-3470	216	2	,	,	PUNCT
fsr-3470	216	3	once	once	SCONJ
fsr-3470	216	4	themes	theme	NOUN
fsr-3470	216	5	and	and	CCONJ
fsr-3470	216	6	the	the	DET
fsr-3470	216	7	initial	initial	ADJ
fsr-3470	216	8	structure	structure	NOUN
fsr-3470	216	9	of	of	ADP
fsr-3470	216	10	question	question	NOUN
fsr-3470	216	11	items	item	NOUN
fsr-3470	216	12	were	be	AUX
fsr-3470	216	13	identified	identify	VERB
fsr-3470	216	14	,	,	PUNCT
fsr-3470	216	15	we	we	PRON
fsr-3470	216	16	tested	test	VERB
fsr-3470	216	17	them	they	PRON
fsr-3470	216	18	with	with	ADP
fsr-3470	216	19	extensive	extensive	ADJ
fsr-3470	216	20	cognitive	cognitive	ADJ
fsr-3470	216	21	interviews	interview	NOUN
fsr-3470	216	22	in	in	ADP
fsr-3470	216	23	subsequent	subsequent	ADJ
fsr-3470	216	24	rounds	round	NOUN
fsr-3470	216	25	with	with	ADP
fsr-3470	216	26	a	a	DET
fsr-3470	216	27	total	total	NOUN
fsr-3470	216	28	of	of	ADP
fsr-3470	216	29	23	23	NUM
fsr-3470	216	30	participants	participant	NOUN
fsr-3470	216	31	drawn	draw	VERB
fsr-3470	216	32	from	from	ADP
fsr-3470	216	33	a	a	DET
fsr-3470	216	34	nationally	nationally	ADV
fsr-3470	216	35	representative	representative	ADJ
fsr-3470	216	36	probability	probability	NOUN
fsr-3470	216	37	sample	sample	NOUN
fsr-3470	216	38	.	.	PUNCT
fsr-3470	217	1	such	such	ADJ
fsr-3470	217	2	testing	testing	NOUN
fsr-3470	217	3	helped	help	VERB
fsr-3470	217	4	to	to	PART
fsr-3470	217	5	refine	refine	VERB
fsr-3470	217	6	the	the	DET
fsr-3470	217	7	phrasing	phrasing	NOUN
fsr-3470	217	8	of	of	ADP
fsr-3470	217	9	questions	question	NOUN
fsr-3470	217	10	and	and	CCONJ
fsr-3470	217	11	fielding	field	VERB
fsr-3470	217	12	protocol	protocol	NOUN
fsr-3470	217	13	of	of	ADP
fsr-3470	217	14	the	the	DET
fsr-3470	217	15	questions	question	NOUN
fsr-3470	217	16	(	(	PUNCT
fsr-3470	217	17	in	in	ADP
fsr-3470	217	18	particular	particular	ADJ
fsr-3470	217	19	,	,	PUNCT
fsr-3470	217	20	the	the	DET
fsr-3470	217	21	need	need	NOUN
fsr-3470	217	22	for	for	ADP
fsr-3470	217	23	randomization	randomization	NOUN
fsr-3470	217	24	of	of	ADP
fsr-3470	217	25	placement	placement	NOUN
fsr-3470	217	26	on	on	ADP
fsr-3470	217	27	a	a	DET
fsr-3470	217	28	survey	survey	NOUN
fsr-3470	217	29	instrument	instrument	NOUN
fsr-3470	217	30	)	)	PUNCT
fsr-3470	217	31	.	.	PUNCT
fsr-3470	218	1	a	a	DET
fsr-3470	218	2	larger	large	ADJ
fsr-3470	218	3	battery	battery	NOUN
fsr-3470	218	4	of	of	ADP
fsr-3470	218	5	questions	question	NOUN
fsr-3470	218	6	was	be	AUX
fsr-3470	218	7	originally	originally	ADV
fsr-3470	218	8	considered	consider	VERB
fsr-3470	218	9	,	,	PUNCT
fsr-3470	218	10	including	include	VERB
fsr-3470	218	11	both	both	CCONJ
fsr-3470	218	12	multiple	multiple	ADJ
fsr-3470	218	13	choice	choice	NOUN
fsr-3470	218	14	questions	question	NOUN
fsr-3470	218	15	and	and	CCONJ
fsr-3470	218	16	true	true	ADJ
fsr-3470	218	17	-	-	PUNCT
fsr-3470	218	18	false	false	ADJ
fsr-3470	218	19	questions	question	NOUN
fsr-3470	218	20	on	on	ADP
fsr-3470	218	21	technical	technical	ADJ
fsr-3470	218	22	features	feature	NOUN
fsr-3470	218	23	of	of	ADP
fsr-3470	218	24	funds	fund	NOUN
fsr-3470	218	25	.	.	PUNCT
fsr-3470	219	1	additional	additional	ADJ
fsr-3470	219	2	questions	question	NOUN
fsr-3470	219	3	increased	increase	VERB
fsr-3470	219	4	difficulty	difficulty	NOUN
fsr-3470	219	5	of	of	ADP
fsr-3470	219	6	the	the	DET
fsr-3470	219	7	overall	overall	ADJ
fsr-3470	219	8	assessment	assessment	NOUN
fsr-3470	219	9	considerably	considerably	ADV
fsr-3470	219	10	,	,	PUNCT
fsr-3470	219	11	and	and	CCONJ
fsr-3470	219	12	appeared	appear	VERB
fsr-3470	219	13	to	to	PART
fsr-3470	219	14	make	make	VERB
fsr-3470	219	15	interviewees	interviewee	NOUN
fsr-3470	219	16	—	—	PUNCT
fsr-3470	219	17	particularly	particularly	ADV
fsr-3470	219	18	those	those	PRON
fsr-3470	219	19	with	with	ADP
fsr-3470	219	20	less	less	ADJ
fsr-3470	219	21	experience	experience	NOUN
fsr-3470	219	22	in	in	ADP
fsr-3470	219	23	investment	investment	NOUN
fsr-3470	219	24	—	—	PUNCT
fsr-3470	219	25	more	more	ADV
fsr-3470	219	26	reluctant	reluctant	ADJ
fsr-3470	219	27	to	to	PART
fsr-3470	219	28	venture	venture	VERB
fsr-3470	219	29	answers	answer	NOUN
fsr-3470	219	30	to	to	ADP
fsr-3470	219	31	the	the	DET
fsr-3470	219	32	questions	question	NOUN
fsr-3470	219	33	at	at	ADV
fsr-3470	219	34	all	all	ADV
fsr-3470	219	35	.	.	PUNCT
fsr-3470	220	1	moreover	moreover	ADV
fsr-3470	220	2	,	,	PUNCT
fsr-3470	220	3	while	while	SCONJ
fsr-3470	220	4	these	these	DET
fsr-3470	220	5	questions	question	NOUN
fsr-3470	220	6	added	add	VERB
fsr-3470	220	7	further	further	ADJ
fsr-3470	220	8	richness	richness	NOUN
fsr-3470	220	9	to	to	ADP
fsr-3470	220	10	our	our	PRON
fsr-3470	220	11	perspectives	perspective	NOUN
fsr-3470	220	12	of	of	ADP
fsr-3470	220	13	respondents	respondent	NOUN
fsr-3470	220	14	,	,	PUNCT
fsr-3470	220	15	in	in	ADP
fsr-3470	220	16	the	the	DET
fsr-3470	220	17	end	end	NOUN
fsr-3470	220	18	,	,	PUNCT
fsr-3470	220	19	we	we	PRON
fsr-3470	220	20	determined	determine	VERB
fsr-3470	220	21	that	that	SCONJ
fsr-3470	220	22	a	a	DET
fsr-3470	220	23	focused	focused	ADJ
fsr-3470	220	24	battery	battery	NOUN
fsr-3470	220	25	centering	center	VERB
fsr-3470	220	26	on	on	ADP
fsr-3470	220	27	the	the	DET
fsr-3470	220	28	true	true	ADJ
fsr-3470	220	29	-	-	PUNCT
fsr-3470	220	30	false	false	ADJ
fsr-3470	220	31	questions	question	NOUN
fsr-3470	220	32	provided	provide	VERB
fsr-3470	220	33	sufficient	sufficient	ADJ
fsr-3470	220	34	comfort	comfort	NOUN
fsr-3470	220	35	to	to	ADP
fsr-3470	220	36	the	the	DET
fsr-3470	220	37	interviewees	interviewee	NOUN
fsr-3470	220	38	,	,	PUNCT
fsr-3470	220	39	sufficient	sufficient	ADJ
fsr-3470	220	40	well	well	ADV
fsr-3470	220	41	-	-	PUNCT
fsr-3470	220	42	ordering	ordering	NOUN
fsr-3470	220	43	in	in	ADP
fsr-3470	220	44	terms	term	NOUN
fsr-3470	220	45	of	of	ADP
fsr-3470	220	46	sophistication	sophistication	NOUN
fsr-3470	220	47	,	,	PUNCT
fsr-3470	220	48	and	and	CCONJ
fsr-3470	220	49	that	that	SCONJ
fsr-3470	220	50	we	we	PRON
fsr-3470	220	51	had	have	VERB
fsr-3470	220	52	a	a	DET
fsr-3470	220	53	sufficient	sufficient	ADJ
fsr-3470	220	54	number	number	NOUN
fsr-3470	220	55	of	of	ADP
fsr-3470	220	56	questions	question	NOUN
fsr-3470	220	57	to	to	PART
fsr-3470	220	58	distinguish	distinguish	VERB
fsr-3470	220	59	between	between	ADP
fsr-3470	220	60	respondents	respondent	NOUN
fsr-3470	220	61	based	base	VERB
fsr-3470	220	62	on	on	ADP
fsr-3470	220	63	sophistication	sophistication	NOUN
fsr-3470	220	64	.	.	PUNCT
fsr-3470	221	1	the	the	DET
fsr-3470	221	2	interviews	interview	NOUN
fsr-3470	221	3	also	also	ADV
fsr-3470	221	4	provided	provide	VERB
fsr-3470	221	5	insight	insight	NOUN
fsr-3470	221	6	into	into	ADP
fsr-3470	221	7	dealing	deal	VERB
fsr-3470	221	8	with	with	ADP
fsr-3470	221	9	incorrect	incorrect	ADJ
fsr-3470	221	10	answers	answer	NOUN
fsr-3470	221	11	versus	versus	ADP
fsr-3470	221	12	question	question	NOUN
fsr-3470	221	13	skips.12	skips.12	NOUN
fsr-3470	221	14	one	one	NUM
fsr-3470	221	15	particular	particular	ADJ
fsr-3470	221	16	debate	debate	NOUN
fsr-3470	221	17	that	that	SCONJ
fsr-3470	221	18	cognitive	cognitive	ADJ
fsr-3470	221	19	testing	testing	NOUN
fsr-3470	221	20	sparked	spark	VERB
fsr-3470	221	21	among	among	ADP
fsr-3470	221	22	members	member	NOUN
fsr-3470	221	23	of	of	ADP
fsr-3470	221	24	the	the	DET
fsr-3470	221	25	research	research	NOUN
fsr-3470	221	26	team	team	NOUN
fsr-3470	221	27	was	be	AUX
fsr-3470	221	28	related	relate	VERB
fsr-3470	221	29	to	to	ADP
fsr-3470	221	30	the	the	DET
fsr-3470	221	31	use	use	NOUN
fsr-3470	221	32	of	of	ADP
fsr-3470	221	33	terminology	terminology	NOUN
fsr-3470	221	34	.	.	PUNCT
fsr-3470	222	1	our	our	PRON
fsr-3470	222	2	testing	testing	NOUN
fsr-3470	222	3	revealed	reveal	VERB
fsr-3470	222	4	that	that	SCONJ
fsr-3470	222	5	some	some	DET
fsr-3470	222	6	individuals	individual	NOUN
fsr-3470	222	7	were	be	AUX
fsr-3470	222	8	so	so	ADV
fsr-3470	222	9	unfamiliar	unfamiliar	ADJ
fsr-3470	222	10	with	with	ADP
fsr-3470	222	11	mutual	mutual	ADJ
fsr-3470	222	12	funds	fund	NOUN
fsr-3470	222	13	and	and	CCONJ
fsr-3470	222	14	etfs	etfs	NOUN
fsr-3470	222	15	that	that	PRON
fsr-3470	222	16	they	they	PRON
fsr-3470	222	17	did	do	AUX
fsr-3470	222	18	not	not	PART
fsr-3470	222	19	understand	understand	VERB
fsr-3470	222	20	the	the	DET
fsr-3470	222	21	terminology	terminology	NOUN
fsr-3470	222	22	used	use	VERB
fsr-3470	222	23	in	in	ADP
fsr-3470	222	24	our	our	PRON
fsr-3470	222	25	questions	question	NOUN
fsr-3470	222	26	such	such	ADJ
fsr-3470	222	27	as	as	ADP
fsr-3470	222	28	“	"	PUNCT
fsr-3470	222	29	loads	load	NOUN
fsr-3470	222	30	”	"	PUNCT
fsr-3470	222	31	or	or	CCONJ
fsr-3470	222	32	the	the	DET
fsr-3470	222	33	“	"	PUNCT
fsr-3470	222	34	expense	expense	NOUN
fsr-3470	222	35	ratio	ratio	NOUN
fsr-3470	222	36	.	.	PUNCT
fsr-3470	222	37	”	"	PUNCT
fsr-3470	223	1	while	while	SCONJ
fsr-3470	223	2	it	it	PRON
fsr-3470	223	3	can	can	AUX
fsr-3470	223	4	be	be	AUX
fsr-3470	223	5	argued	argue	VERB
fsr-3470	223	6	that	that	SCONJ
fsr-3470	223	7	this	this	DET
fsr-3470	223	8	unfamiliarity	unfamiliarity	NOUN
fsr-3470	223	9	with	with	ADP
fsr-3470	223	10	the	the	DET
fsr-3470	223	11	terminology	terminology	NOUN
fsr-3470	223	12	creates	create	VERB
fsr-3470	223	13	barriers	barrier	NOUN
fsr-3470	223	14	to	to	ADP
fsr-3470	223	15	answering	answer	VERB
fsr-3470	223	16	the	the	DET
fsr-3470	223	17	questions	question	NOUN
fsr-3470	223	18	(	(	PUNCT
fsr-3470	223	19	as	as	ADP
fsr-3470	223	20	per	per	ADP
fsr-3470	223	21	chin	chin	NOUN
fsr-3470	223	22	,	,	PUNCT
fsr-3470	223	23	scholl	scholl	PROPN
fsr-3470	223	24	,	,	PUNCT
fsr-3470	223	25	&	&	CCONJ
fsr-3470	223	26	vanepps	vanepps	PROPN
fsr-3470	223	27	,	,	PUNCT
fsr-3470	223	28	2021	2021	NUM
fsr-3470	223	29	)	)	PUNCT
fsr-3470	223	30	,	,	PUNCT
fsr-3470	223	31	these	these	DET
fsr-3470	223	32	barriers	barrier	NOUN
fsr-3470	223	33	directly	directly	ADV
fsr-3470	223	34	mimic	mimic	VERB
fsr-3470	223	35	barriers	barrier	NOUN
fsr-3470	223	36	that	that	SCONJ
fsr-3470	223	37	individuals	individual	NOUN
fsr-3470	223	38	would	would	AUX
fsr-3470	223	39	face	face	VERB
fsr-3470	223	40	in	in	ADP
fsr-3470	223	41	seeking	seek	VERB
fsr-3470	223	42	and	and	CCONJ
fsr-3470	223	43	choosing	choose	VERB
fsr-3470	223	44	among	among	ADP
fsr-3470	223	45	mutual	mutual	ADJ
fsr-3470	223	46	fund	fund	NOUN
fsr-3470	223	47	investments	investment	NOUN
fsr-3470	223	48	and	and	CCONJ
fsr-3470	223	49	are	be	AUX
fsr-3470	223	50	related	relate	VERB
fsr-3470	223	51	to	to	ADP
fsr-3470	223	52	the	the	DET
fsr-3470	223	53	specific	specific	ADJ
fsr-3470	223	54	knowledge	knowledge	NOUN
fsr-3470	223	55	each	each	DET
fsr-3470	223	56	question	question	NOUN
fsr-3470	223	57	is	be	AUX
fsr-3470	223	58	testing	test	VERB
fsr-3470	223	59	.	.	PUNCT
fsr-3470	224	1	after	after	ADV
fsr-3470	224	2	all	all	ADV
fsr-3470	224	3	,	,	PUNCT
fsr-3470	224	4	in	in	ADP
fsr-3470	224	5	reading	read	VERB
fsr-3470	224	6	investment	investment	NOUN
fsr-3470	224	7	disclosures	disclosure	NOUN
fsr-3470	224	8	,	,	PUNCT
fsr-3470	224	9	investors	investor	NOUN
fsr-3470	224	10	have	have	VERB
fsr-3470	224	11	to	to	PART
fsr-3470	224	12	do	do	VERB
fsr-3470	224	13	their	their	PRON
fsr-3470	224	14	own	own	ADJ
fsr-3470	224	15	translation	translation	NOUN
fsr-3470	224	16	of	of	ADP
fsr-3470	224	17	technical	technical	ADJ
fsr-3470	224	18	language	language	NOUN
fsr-3470	224	19	.	.	PUNCT
fsr-3470	225	1	as	as	ADP
fsr-3470	225	2	such	such	ADJ
fsr-3470	225	3	,	,	PUNCT
fsr-3470	225	4	we	we	PRON
fsr-3470	225	5	deemed	deem	VERB
fsr-3470	225	6	that	that	SCONJ
fsr-3470	225	7	preserving	preserve	VERB
fsr-3470	225	8	such	such	ADJ
fsr-3470	225	9	terminology	terminology	NOUN
fsr-3470	225	10	was	be	AUX
fsr-3470	225	11	important	important	ADJ
fsr-3470	225	12	in	in	ADP
fsr-3470	225	13	the	the	DET
fsr-3470	225	14	context	context	NOUN
fsr-3470	225	15	of	of	ADP
fsr-3470	225	16	assessing	assess	VERB
fsr-3470	225	17	a	a	DET
fsr-3470	225	18	respondent	respondent	NOUN
fsr-3470	225	19	’s	’s	PART
fsr-3470	225	20	overall	overall	ADJ
fsr-3470	225	21	knowledge	knowledge	NOUN
fsr-3470	225	22	.	.	PUNCT
fsr-3470	226	1	naturally	naturally	ADV
fsr-3470	226	2	,	,	PUNCT
fsr-3470	226	3	it	it	PRON
fsr-3470	226	4	is	be	AUX
fsr-3470	226	5	possible	possible	ADJ
fsr-3470	226	6	that	that	SCONJ
fsr-3470	226	7	individuals	individual	NOUN
fsr-3470	226	8	that	that	PRON
fsr-3470	226	9	have	have	AUX
fsr-3470	226	10	engaged	engage	VERB
fsr-3470	226	11	with	with	ADP
fsr-3470	226	12	the	the	DET
fsr-3470	226	13	market	market	NOUN
fsr-3470	226	14	in	in	ADP
fsr-3470	226	15	terms	term	NOUN
fsr-3470	226	16	of	of	ADP
fsr-3470	226	17	key	key	ADJ
fsr-3470	226	18	investment	investment	NOUN
fsr-3470	226	19	decisions	decision	NOUN
fsr-3470	226	20	in	in	ADP
fsr-3470	226	21	the	the	DET
fsr-3470	226	22	past	past	NOUN
fsr-3470	226	23	will	will	AUX
fsr-3470	226	24	have	have	AUX
fsr-3470	226	25	been	be	AUX
fsr-3470	226	26	more	more	ADV
fsr-3470	226	27	motivated	motivated	ADJ
fsr-3470	226	28	to	to	PART
fsr-3470	226	29	understand	understand	VERB
fsr-3470	226	30	terminology	terminology	NOUN
fsr-3470	226	31	before	before	ADP
fsr-3470	226	32	making	make	VERB
fsr-3470	226	33	a	a	DET
fsr-3470	226	34	decision	decision	NOUN
fsr-3470	226	35	.	.	PUNCT
fsr-3470	227	1	yet	yet	ADV
fsr-3470	227	2	,	,	PUNCT
fsr-3470	227	3	this	this	DET
fsr-3470	227	4	learning	learning	NOUN
fsr-3470	227	5	process	process	NOUN
fsr-3470	227	6	would	would	AUX
fsr-3470	227	7	consequentially	consequentially	ADV
fsr-3470	227	8	be	be	AUX
fsr-3470	227	9	captured	capture	VERB
fsr-3470	227	10	in	in	ADP
fsr-3470	227	11	our	our	PRON
fsr-3470	227	12	stock	stock	NOUN
fsr-3470	227	13	measurements	measurement	NOUN
fsr-3470	227	14	of	of	ADP
fsr-3470	227	15	overall	overall	ADJ
fsr-3470	227	16	investor	investor	NOUN
fsr-3470	227	17	knowledge	knowledge	NOUN
fsr-3470	227	18	in	in	ADP
fsr-3470	227	19	the	the	DET
fsr-3470	227	20	population	population	NOUN
fsr-3470	227	21	—	—	PUNCT
fsr-3470	227	22	and	and	CCONJ
fsr-3470	227	23	would	would	AUX
fsr-3470	227	24	analytically	analytically	ADV
fsr-3470	227	25	present	present	VERB
fsr-3470	227	26	itself	itself	PRON
fsr-3470	227	27	in	in	ADP
fsr-3470	227	28	the	the	DET
fsr-3470	227	29	difference	difference	NOUN
fsr-3470	227	30	in	in	ADP
fsr-3470	227	31	knowledge	knowledge	NOUN
fsr-3470	227	32	levels	level	NOUN
fsr-3470	227	33	between	between	ADP
fsr-3470	227	34	investors	investor	NOUN
fsr-3470	227	35	and	and	CCONJ
fsr-3470	227	36	non	non	NOUN
fsr-3470	227	37	-	-	NOUN
fsr-3470	227	38	investors	investor	NOUN
fsr-3470	227	39	.	.	PUNCT
fsr-3470	228	1	in	in	ADP
fsr-3470	228	2	addition	addition	NOUN
fsr-3470	228	3	to	to	ADP
fsr-3470	228	4	these	these	DET
fsr-3470	228	5	steps	step	NOUN
fsr-3470	228	6	in	in	ADP
fsr-3470	228	7	development	development	NOUN
fsr-3470	228	8	,	,	PUNCT
fsr-3470	228	9	we	we	PRON
fsr-3470	228	10	have	have	AUX
fsr-3470	228	11	utilized	utilize	VERB
fsr-3470	228	12	the	the	DET
fsr-3470	228	13	battery	battery	NOUN
fsr-3470	228	14	in	in	ADP
fsr-3470	228	15	experiment	experiment	NOUN
fsr-3470	228	16	and	and	CCONJ
fsr-3470	228	17	testing	testing	NOUN
fsr-3470	228	18	studies	study	NOUN
fsr-3470	228	19	with	with	ADP
fsr-3470	228	20	thousands	thousand	NOUN
fsr-3470	228	21	of	of	ADP
fsr-3470	228	22	participants	participant	NOUN
fsr-3470	228	23	(	(	PUNCT
fsr-3470	228	24	e.g.	e.g.	ADV
fsr-3470	228	25	,	,	PUNCT
fsr-3470	228	26	scholl	scholl	PROPN
fsr-3470	228	27	,	,	PUNCT
fsr-3470	228	28	2020	2020	NUM
fsr-3470	228	29	)	)	PUNCT
fsr-3470	228	30	.	.	PUNCT
fsr-3470	229	1	the	the	DET
fsr-3470	229	2	battery	battery	NOUN
fsr-3470	229	3	has	have	AUX
fsr-3470	229	4	overall	overall	ADV
fsr-3470	229	5	been	be	AUX
fsr-3470	229	6	40	40	NUM
fsr-3470	229	7	b.	b.	PROPN
fsr-3470	229	8	scholl	scholl	PROPN
fsr-3470	229	9	and	and	CCONJ
fsr-3470	229	10	a.	a.	NOUN
fsr-3470	229	11	fontes	fontes	PROPN
fsr-3470	229	12	/	/	SYM
fsr-3470	229	13	financial	financial	ADJ
fsr-3470	229	14	services	service	NOUN
fsr-3470	229	15	review	review	VERB
fsr-3470	229	16	30	30	NUM
fsr-3470	229	17	(	(	PUNCT
fsr-3470	229	18	2022	2022	NUM
fsr-3470	229	19	)	)	PUNCT
fsr-3470	229	20	31–56	31–56	NUM
fsr-3470	229	21	effective	effective	ADJ
fsr-3470	229	22	at	at	ADP
fsr-3470	229	23	rank	rank	NOUN
fsr-3470	229	24	ordering	order	VERB
fsr-3470	229	25	investor	investor	NOUN
fsr-3470	229	26	sophistication	sophistication	NOUN
fsr-3470	229	27	,	,	PUNCT
fsr-3470	229	28	as	as	ADV
fsr-3470	229	29	well	well	ADV
fsr-3470	229	30	as	as	ADP
fsr-3470	229	31	the	the	DET
fsr-3470	229	32	propensity	propensity	NOUN
fsr-3470	229	33	of	of	ADP
fsr-3470	229	34	individuals	individual	NOUN
fsr-3470	229	35	to	to	PART
fsr-3470	229	36	exhibit	exhibit	VERB
fsr-3470	229	37	a	a	DET
fsr-3470	229	38	number	number	NOUN
fsr-3470	229	39	of	of	ADP
fsr-3470	229	40	decision	decision	NOUN
fsr-3470	229	41	making	making	NOUN
fsr-3470	229	42	and	and	CCONJ
fsr-3470	229	43	comprehension	comprehension	NOUN
fsr-3470	229	44	mistakes	mistake	NOUN
fsr-3470	229	45	in	in	ADP
fsr-3470	229	46	investment	investment	NOUN
fsr-3470	229	47	settings	setting	NOUN
fsr-3470	229	48	(	(	PUNCT
fsr-3470	229	49	e.g.	e.g.	ADV
fsr-3470	229	50	,	,	PUNCT
fsr-3470	229	51	naı̈ve	naı̈ve	ADJ
fsr-3470	229	52	diversification	diversification	NOUN
fsr-3470	229	53	,	,	PUNCT
fsr-3470	229	54	susceptibility	susceptibility	NOUN
fsr-3470	229	55	to	to	ADP
fsr-3470	229	56	complexity	complexity	NOUN
fsr-3470	229	57	,	,	PUNCT
fsr-3470	229	58	and	and	CCONJ
fsr-3470	229	59	failures	failure	NOUN
fsr-3470	229	60	to	to	PART
fsr-3470	229	61	avoid	avoid	VERB
fsr-3470	229	62	fees	fee	NOUN
fsr-3470	229	63	)	)	PUNCT
fsr-3470	229	64	.	.	PUNCT
fsr-3470	230	1	our	our	PRON
fsr-3470	230	2	final	final	ADJ
fsr-3470	230	3	battery	battery	NOUN
fsr-3470	230	4	identified	identify	VERB
fsr-3470	230	5	11	11	NUM
fsr-3470	230	6	items	item	NOUN
fsr-3470	230	7	in	in	ADP
fsr-3470	230	8	four	four	NUM
fsr-3470	230	9	key	key	ADJ
fsr-3470	230	10	areas	area	NOUN
fsr-3470	230	11	:	:	PUNCT
fsr-3470	230	12	market	market	NOUN
fsr-3470	230	13	alternatives	alternative	NOUN
fsr-3470	230	14	,	,	PUNCT
fsr-3470	230	15	risk	risk	NOUN
fsr-3470	230	16	,	,	PUNCT
fsr-3470	230	17	performance	performance	NOUN
fsr-3470	230	18	history	history	NOUN
fsr-3470	230	19	,	,	PUNCT
fsr-3470	230	20	and	and	CCONJ
fsr-3470	230	21	fees	fee	NOUN
fsr-3470	230	22	.	.	PUNCT
fsr-3470	231	1	questions	question	NOUN
fsr-3470	231	2	were	be	AUX
fsr-3470	231	3	true	true	ADJ
fsr-3470	231	4	/	/	SYM
fsr-3470	231	5	false	false	ADJ
fsr-3470	231	6	,	,	PUNCT
fsr-3470	231	7	with	with	ADP
fsr-3470	231	8	a	a	DET
fsr-3470	231	9	“	"	PUNCT
fsr-3470	231	10	do	do	AUX
fsr-3470	231	11	n’t	not	PART
fsr-3470	231	12	know	know	VERB
fsr-3470	231	13	”	"	PUNCT
fsr-3470	231	14	response	response	NOUN
fsr-3470	231	15	option	option	NOUN
fsr-3470	231	16	.	.	PUNCT
fsr-3470	232	1	these	these	DET
fsr-3470	232	2	questions	question	NOUN
fsr-3470	232	3	(	(	PUNCT
fsr-3470	232	4	correct	correct	ADJ
fsr-3470	232	5	answers	answer	NOUN
fsr-3470	232	6	in	in	ADP
fsr-3470	232	7	parentheses	parenthesis	NOUN
fsr-3470	232	8	)	)	PUNCT
fsr-3470	232	9	are	be	AUX
fsr-3470	232	10	as	as	SCONJ
fsr-3470	232	11	follows	follow	VERB
fsr-3470	232	12	,	,	PUNCT
fsr-3470	232	13	with	with	ADP
fsr-3470	232	14	labels	label	NOUN
fsr-3470	232	15	assigned	assign	VERB
fsr-3470	232	16	to	to	ADP
fsr-3470	232	17	each	each	DET
fsr-3470	232	18	question	question	NOUN
fsr-3470	232	19	for	for	ADP
fsr-3470	232	20	ease	ease	NOUN
fsr-3470	232	21	of	of	ADP
fsr-3470	232	22	reference	reference	NOUN
fsr-3470	232	23	:	:	PUNCT
fsr-3470	232	24	marketplace	marketplace	NOUN
fsr-3470	232	25	alternatives	alternative	NOUN
fsr-3470	232	26	category	category	NOUN
fsr-3470	232	27	:	:	PUNCT
fsr-3470	232	28	1	1	X
fsr-3470	232	29	.	.	X
fsr-3470	232	30	financial	financial	ADJ
fsr-3470	232	31	markets	market	NOUN
fsr-3470	232	32	offer	offer	VERB
fsr-3470	232	33	thousands	thousand	NOUN
fsr-3470	232	34	of	of	ADP
fsr-3470	232	35	different	different	ADJ
fsr-3470	232	36	mutual	mutual	ADJ
fsr-3470	232	37	funds	fund	NOUN
fsr-3470	232	38	to	to	ADP
fsr-3470	232	39	investors	investor	NOUN
fsr-3470	232	40	.	.	PUNCT
fsr-3470	233	1	(	(	PUNCT
fsr-3470	233	2	true	true	ADJ
fsr-3470	233	3	)	)	PUNCT
fsr-3470	233	4	(	(	PUNCT
fsr-3470	233	5	label	label	NOUN
fsr-3470	233	6	:	:	PUNCT
fsr-3470	233	7	market	market	NOUN
fsr-3470	233	8	options	option	NOUN
fsr-3470	233	9	)	)	PUNCT
fsr-3470	233	10	risk	risk	NOUN
fsr-3470	233	11	category	category	NOUN
fsr-3470	233	12	:	:	PUNCT
fsr-3470	233	13	2	2	X
fsr-3470	233	14	.	.	X
fsr-3470	233	15	mutual	mutual	ADJ
fsr-3470	233	16	funds	fund	NOUN
fsr-3470	233	17	pay	pay	VERB
fsr-3470	233	18	a	a	DET
fsr-3470	233	19	guaranteed	guarantee	VERB
fsr-3470	233	20	rate	rate	NOUN
fsr-3470	233	21	of	of	ADP
fsr-3470	233	22	return	return	NOUN
fsr-3470	233	23	.	.	PUNCT
fsr-3470	234	1	(	(	PUNCT
fsr-3470	234	2	false	false	ADJ
fsr-3470	234	3	)	)	PUNCT
fsr-3470	234	4	(	(	PUNCT
fsr-3470	234	5	“	"	PUNCT
fsr-3470	234	6	guaranteed	guarantee	VERB
fsr-3470	234	7	return	return	NOUN
fsr-3470	234	8	”	"	PUNCT
fsr-3470	234	9	)	)	PUNCT
fsr-3470	234	10	3	3	X
fsr-3470	234	11	.	.	PUNCT
fsr-3470	235	1	it	it	PRON
fsr-3470	235	2	is	be	AUX
fsr-3470	235	3	possible	possible	ADJ
fsr-3470	235	4	to	to	PART
fsr-3470	235	5	lose	lose	VERB
fsr-3470	235	6	money	money	NOUN
fsr-3470	235	7	in	in	ADP
fsr-3470	235	8	a	a	DET
fsr-3470	235	9	stock	stock	NOUN
fsr-3470	235	10	mutual	mutual	ADJ
fsr-3470	235	11	fund	fund	NOUN
fsr-3470	235	12	.	.	PUNCT
fsr-3470	236	1	(	(	PUNCT
fsr-3470	236	2	true	true	ADJ
fsr-3470	236	3	)	)	PUNCT
fsr-3470	236	4	(	(	PUNCT
fsr-3470	236	5	“	"	PUNCT
fsr-3470	236	6	risk	risk	NOUN
fsr-3470	236	7	stockfund	stockfund	NOUN
fsr-3470	236	8	”	"	PUNCT
fsr-3470	236	9	)	)	PUNCT
fsr-3470	236	10	4	4	NUM
fsr-3470	236	11	.	.	PUNCT
fsr-3470	237	1	it	it	PRON
fsr-3470	237	2	is	be	AUX
fsr-3470	237	3	possible	possible	ADJ
fsr-3470	237	4	to	to	PART
fsr-3470	237	5	lose	lose	VERB
fsr-3470	237	6	money	money	NOUN
fsr-3470	237	7	in	in	ADP
fsr-3470	237	8	a	a	DET
fsr-3470	237	9	bond	bond	NOUN
fsr-3470	237	10	mutual	mutual	ADJ
fsr-3470	237	11	fund	fund	NOUN
fsr-3470	237	12	.	.	PUNCT
fsr-3470	238	1	(	(	PUNCT
fsr-3470	238	2	true	true	ADJ
fsr-3470	238	3	)	)	PUNCT
fsr-3470	238	4	(	(	PUNCT
fsr-3470	238	5	“	"	PUNCT
fsr-3470	238	6	risk	risk	NOUN
fsr-3470	238	7	bondfund	bondfund	NOUN
fsr-3470	238	8	”	"	PUNCT
fsr-3470	238	9	)	)	PUNCT
fsr-3470	238	10	5	5	X
fsr-3470	238	11	.	.	PUNCT
fsr-3470	239	1	if	if	SCONJ
fsr-3470	239	2	a	a	DET
fsr-3470	239	3	mutual	mutual	ADJ
fsr-3470	239	4	fund	fund	NOUN
fsr-3470	239	5	is	be	AUX
fsr-3470	239	6	registered	register	VERB
fsr-3470	239	7	with	with	ADP
fsr-3470	239	8	the	the	DET
fsr-3470	239	9	securities	securities	PROPN
fsr-3470	239	10	and	and	CCONJ
fsr-3470	239	11	exchange	exchange	PROPN
fsr-3470	239	12	commission	commission	PROPN
fsr-3470	239	13	(	(	PUNCT
fsr-3470	239	14	the	the	DET
fsr-3470	239	15	sec	sec	PROPN
fsr-3470	239	16	)	)	PUNCT
fsr-3470	239	17	or	or	CCONJ
fsr-3470	239	18	state	state	NOUN
fsr-3470	239	19	securities	security	NOUN
fsr-3470	239	20	regulators	regulator	NOUN
fsr-3470	239	21	,	,	PUNCT
fsr-3470	239	22	you	you	PRON
fsr-3470	239	23	can	can	AUX
fsr-3470	239	24	not	not	PART
fsr-3470	239	25	lose	lose	VERB
fsr-3470	239	26	money	money	NOUN
fsr-3470	239	27	.	.	PUNCT
fsr-3470	240	1	(	(	PUNCT
fsr-3470	240	2	false	false	ADJ
fsr-3470	240	3	)	)	PUNCT
fsr-3470	240	4	(	(	PUNCT
fsr-3470	240	5	“	"	PUNCT
fsr-3470	240	6	risk	risk	NOUN
fsr-3470	240	7	regulation”)13	regulation”)13	PROPN
fsr-3470	240	8	performance	performance	NOUN
fsr-3470	240	9	history	history	NOUN
fsr-3470	240	10	category	category	NOUN
fsr-3470	240	11	:	:	PUNCT
fsr-3470	241	1	6	6	X
fsr-3470	241	2	.	.	X
fsr-3470	241	3	a	a	DET
fsr-3470	241	4	good	good	ADJ
fsr-3470	241	5	predictor	predictor	NOUN
fsr-3470	241	6	of	of	ADP
fsr-3470	241	7	the	the	DET
fsr-3470	241	8	future	future	ADJ
fsr-3470	241	9	performance	performance	NOUN
fsr-3470	241	10	of	of	ADP
fsr-3470	241	11	a	a	DET
fsr-3470	241	12	mutual	mutual	ADJ
fsr-3470	241	13	fund	fund	NOUN
fsr-3470	241	14	is	be	AUX
fsr-3470	241	15	its	its	PRON
fsr-3470	241	16	past	past	ADJ
fsr-3470	241	17	performance	performance	NOUN
fsr-3470	241	18	.	.	PUNCT
fsr-3470	242	1	(	(	PUNCT
fsr-3470	242	2	false	false	ADJ
fsr-3470	242	3	)	)	PUNCT
fsr-3470	242	4	(	(	PUNCT
fsr-3470	242	5	“	"	PUNCT
fsr-3470	242	6	performance	performance	NOUN
fsr-3470	242	7	history”)fee	history”)fee	NOUN
fsr-3470	242	8	category	category	NOUN
fsr-3470	242	9	:	:	PUNCT
fsr-3470	243	1	7	7	X
fsr-3470	243	2	.	.	X
fsr-3470	243	3	a	a	DET
fsr-3470	243	4	no	no	DET
fsr-3470	243	5	-	-	PUNCT
fsr-3470	243	6	load	load	NOUN
fsr-3470	243	7	mutual	mutual	ADJ
fsr-3470	243	8	fund	fund	NOUN
fsr-3470	243	9	charges	charge	VERB
fsr-3470	243	10	yearly	yearly	ADJ
fsr-3470	243	11	expenses	expense	NOUN
fsr-3470	243	12	.	.	PUNCT
fsr-3470	244	1	(	(	PUNCT
fsr-3470	244	2	true	true	ADJ
fsr-3470	244	3	)	)	PUNCT
fsr-3470	244	4	(	(	PUNCT
fsr-3470	244	5	“	"	PUNCT
fsr-3470	244	6	yearly	yearly	ADJ
fsr-3470	244	7	expenses	expense	NOUN
fsr-3470	244	8	”	"	PUNCT
fsr-3470	244	9	)	)	PUNCT
fsr-3470	244	10	8	8	NUM
fsr-3470	244	11	.	.	PUNCT
fsr-3470	245	1	a	a	DET
fsr-3470	245	2	load	load	NOUN
fsr-3470	245	3	fee	fee	NOUN
fsr-3470	245	4	is	be	AUX
fsr-3470	245	5	charged	charge	VERB
fsr-3470	245	6	only	only	ADV
fsr-3470	245	7	when	when	SCONJ
fsr-3470	245	8	the	the	DET
fsr-3470	245	9	fund	fund	NOUN
fsr-3470	245	10	is	be	AUX
fsr-3470	245	11	initially	initially	ADV
fsr-3470	245	12	purchased	purchase	VERB
fsr-3470	245	13	.	.	PUNCT
fsr-3470	246	1	(	(	PUNCT
fsr-3470	246	2	false	false	ADJ
fsr-3470	246	3	)	)	PUNCT
fsr-3470	246	4	(	(	PUNCT
fsr-3470	246	5	“	"	PUNCT
fsr-3470	246	6	load	load	NOUN
fsr-3470	246	7	”	"	PUNCT
fsr-3470	246	8	)	)	PUNCT
fsr-3470	246	9	9	9	NUM
fsr-3470	246	10	.	.	PUNCT
fsr-3470	247	1	fees	fee	NOUN
fsr-3470	247	2	and	and	CCONJ
fsr-3470	247	3	expenses	expense	NOUN
fsr-3470	247	4	for	for	ADP
fsr-3470	247	5	the	the	DET
fsr-3470	247	6	mutual	mutual	ADJ
fsr-3470	247	7	fund	fund	NOUN
fsr-3470	247	8	industry	industry	NOUN
fsr-3470	247	9	are	be	AUX
fsr-3470	247	10	capped	cap	VERB
fsr-3470	247	11	at	at	ADP
fsr-3470	247	12	a	a	DET
fsr-3470	247	13	maximum	maximum	ADJ
fsr-3470	247	14	level	level	NOUN
fsr-3470	247	15	by	by	ADP
fsr-3470	247	16	regulatory	regulatory	ADJ
fsr-3470	247	17	authorities	authority	NOUN
fsr-3470	247	18	.	.	PUNCT
fsr-3470	248	1	(	(	PUNCT
fsr-3470	248	2	false	false	ADJ
fsr-3470	248	3	)	)	PUNCT
fsr-3470	248	4	(	(	PUNCT
fsr-3470	248	5	“	"	PUNCT
fsr-3470	248	6	fee	fee	NOUN
fsr-3470	248	7	cap	cap	NOUN
fsr-3470	248	8	”	"	PUNCT
fsr-3470	248	9	)	)	PUNCT
fsr-3470	248	10	10	10	NUM
fsr-3470	248	11	.	.	PUNCT
fsr-3470	249	1	fund	fund	NOUN
fsr-3470	249	2	fees	fee	NOUN
fsr-3470	249	3	are	be	AUX
fsr-3470	249	4	required	require	VERB
fsr-3470	249	5	to	to	PART
fsr-3470	249	6	be	be	AUX
fsr-3470	249	7	reported	report	VERB
fsr-3470	249	8	in	in	ADP
fsr-3470	249	9	the	the	DET
fsr-3470	249	10	fund	fund	NOUN
fsr-3470	249	11	’s	’s	PART
fsr-3470	249	12	prospectus	prospectus	NOUN
fsr-3470	249	13	document	document	NOUN
fsr-3470	249	14	.	.	PUNCT
fsr-3470	250	1	(	(	PUNCT
fsr-3470	250	2	true	true	ADJ
fsr-3470	250	3	)	)	PUNCT
fsr-3470	250	4	(	(	PUNCT
fsr-3470	250	5	“	"	PUNCT
fsr-3470	250	6	prospectus	prospectus	NOUN
fsr-3470	250	7	fees	fee	NOUN
fsr-3470	250	8	”	"	PUNCT
fsr-3470	250	9	)	)	PUNCT
fsr-3470	250	10	11	11	NUM
fsr-3470	250	11	.	.	PUNCT
fsr-3470	251	1	the	the	DET
fsr-3470	251	2	fees	fee	NOUN
fsr-3470	251	3	or	or	CCONJ
fsr-3470	251	4	expenses	expense	NOUN
fsr-3470	251	5	charged	charge	VERB
fsr-3470	251	6	by	by	ADP
fsr-3470	251	7	the	the	DET
fsr-3470	251	8	mutual	mutual	ADJ
fsr-3470	251	9	fund	fund	NOUN
fsr-3470	251	10	company	company	NOUN
fsr-3470	251	11	in	in	ADP
fsr-3470	251	12	a	a	DET
fsr-3470	251	13	given	give	VERB
fsr-3470	251	14	year	year	NOUN
fsr-3470	251	15	can	can	AUX
fsr-3470	251	16	be	be	AUX
fsr-3470	251	17	approximated	approximate	VERB
fsr-3470	251	18	by	by	ADP
fsr-3470	251	19	multiplying	multiply	VERB
fsr-3470	251	20	the	the	DET
fsr-3470	251	21	fund	fund	NOUN
fsr-3470	251	22	’s	’s	PART
fsr-3470	251	23	net	net	ADJ
fsr-3470	251	24	expense	expense	NOUN
fsr-3470	251	25	ratio	ratio	NOUN
fsr-3470	251	26	by	by	ADP
fsr-3470	251	27	the	the	DET
fsr-3470	251	28	investment	investment	NOUN
fsr-3470	251	29	gains	gain	NOUN
fsr-3470	251	30	for	for	ADP
fsr-3470	251	31	the	the	DET
fsr-3470	251	32	year	year	NOUN
fsr-3470	251	33	.	.	PUNCT
fsr-3470	252	1	(	(	PUNCT
fsr-3470	252	2	false	false	ADJ
fsr-3470	252	3	)	)	PUNCT
fsr-3470	252	4	(	(	PUNCT
fsr-3470	252	5	“	"	PUNCT
fsr-3470	252	6	fee	fee	NOUN
fsr-3470	252	7	basis	basis	NOUN
fsr-3470	252	8	”	"	PUNCT
fsr-3470	252	9	)	)	PUNCT
fsr-3470	252	10	in	in	ADP
fsr-3470	252	11	addition	addition	NOUN
fsr-3470	252	12	to	to	ADP
fsr-3470	252	13	these	these	DET
fsr-3470	252	14	four	four	NUM
fsr-3470	252	15	primary	primary	ADJ
fsr-3470	252	16	categories	category	NOUN
fsr-3470	252	17	,	,	PUNCT
fsr-3470	252	18	questions	question	NOUN
fsr-3470	252	19	risk	risk	NOUN
fsr-3470	252	20	regulation	regulation	NOUN
fsr-3470	252	21	and	and	CCONJ
fsr-3470	252	22	fee	fee	NOUN
fsr-3470	252	23	cap	cap	NOUN
fsr-3470	252	24	implicitly	implicitly	ADV
fsr-3470	252	25	ask	ask	VERB
fsr-3470	252	26	respondents	respondent	NOUN
fsr-3470	252	27	for	for	ADP
fsr-3470	252	28	assumptions	assumption	NOUN
fsr-3470	252	29	about	about	ADP
fsr-3470	252	30	regulatory	regulatory	ADJ
fsr-3470	252	31	protections	protection	NOUN
fsr-3470	252	32	.	.	PUNCT
fsr-3470	253	1	question	question	NOUN
fsr-3470	253	2	prospectus	prospectus	NOUN
fsr-3470	253	3	fees	fee	NOUN
fsr-3470	253	4	connects	connect	VERB
fsr-3470	253	5	to	to	ADP
fsr-3470	253	6	disclosure	disclosure	NOUN
fsr-3470	253	7	requirements	requirement	NOUN
fsr-3470	253	8	(	(	PUNCT
fsr-3470	253	9	and	and	CCONJ
fsr-3470	253	10	the	the	DET
fsr-3470	253	11	respondent	respondent	NOUN
fsr-3470	253	12	’s	’s	PART
fsr-3470	253	13	familiarity	familiarity	NOUN
fsr-3470	253	14	with	with	ADP
fsr-3470	253	15	the	the	DET
fsr-3470	253	16	prospectus	prospectus	NOUN
fsr-3470	253	17	document	document	NOUN
fsr-3470	253	18	from	from	ADP
fsr-3470	253	19	which	which	PRON
fsr-3470	253	20	much	much	ADJ
fsr-3470	253	21	of	of	ADP
fsr-3470	253	22	a	a	DET
fsr-3470	253	23	fund	fund	NOUN
fsr-3470	253	24	’s	’s	PART
fsr-3470	253	25	decision	decision	NOUN
fsr-3470	253	26	-	-	PUNCT
fsr-3470	253	27	relevant	relevant	ADJ
fsr-3470	253	28	information	information	NOUN
fsr-3470	253	29	can	can	AUX
fsr-3470	253	30	be	be	AUX
fsr-3470	253	31	gleaned	glean	VERB
fsr-3470	253	32	)	)	PUNCT
fsr-3470	253	33	.	.	PUNCT
fsr-3470	254	1	question	question	NOUN
fsr-3470	254	2	performance	performance	NOUN
fsr-3470	254	3	history	history	NOUN
fsr-3470	254	4	also	also	ADV
fsr-3470	254	5	has	have	VERB
fsr-3470	254	6	a	a	DET
fsr-3470	254	7	direct	direct	ADJ
fsr-3470	254	8	link	link	NOUN
fsr-3470	254	9	to	to	ADP
fsr-3470	254	10	the	the	DET
fsr-3470	254	11	standard	standard	ADJ
fsr-3470	254	12	disclosure	disclosure	NOUN
fsr-3470	254	13	,	,	PUNCT
fsr-3470	254	14	sometimes	sometimes	ADV
fsr-3470	254	15	referred	refer	VERB
fsr-3470	254	16	to	to	ADP
fsr-3470	254	17	as	as	ADP
fsr-3470	254	18	the	the	DET
fsr-3470	254	19	mutual	mutual	ADJ
fsr-3470	254	20	fund	fund	NOUN
fsr-3470	254	21	warning	warn	VERB
fsr-3470	254	22	label	label	NOUN
fsr-3470	254	23	that	that	PRON
fsr-3470	254	24	is	be	AUX
fsr-3470	254	25	required	require	VERB
fsr-3470	254	26	by	by	ADP
fsr-3470	254	27	the	the	DET
fsr-3470	254	28	securities	securities	PROPN
fsr-3470	254	29	and	and	CCONJ
fsr-3470	254	30	exchange	exchange	PROPN
fsr-3470	254	31	commission	commission	NOUN
fsr-3470	254	32	on	on	ADP
fsr-3470	254	33	certain	certain	ADJ
fsr-3470	254	34	performance	performance	NOUN
fsr-3470	254	35	presentations	presentation	NOUN
fsr-3470	254	36	.	.	PUNCT
fsr-3470	255	1	to	to	PART
fsr-3470	255	2	minimize	minimize	VERB
fsr-3470	255	3	order	order	NOUN
fsr-3470	255	4	effects	effect	NOUN
fsr-3470	255	5	,	,	PUNCT
fsr-3470	255	6	we	we	PRON
fsr-3470	255	7	randomized	randomize	VERB
fsr-3470	255	8	the	the	DET
fsr-3470	255	9	presentation	presentation	NOUN
fsr-3470	255	10	order	order	NOUN
fsr-3470	255	11	of	of	ADP
fsr-3470	255	12	questions	question	NOUN
fsr-3470	255	13	on	on	ADP
fsr-3470	255	14	the	the	DET
fsr-3470	255	15	survey	survey	NOUN
fsr-3470	255	16	.	.	PUNCT
fsr-3470	256	1	as	as	ADV
fsr-3470	256	2	much	much	ADV
fsr-3470	256	3	as	as	ADP
fsr-3470	256	4	possible	possible	ADJ
fsr-3470	256	5	,	,	PUNCT
fsr-3470	256	6	we	we	PRON
fsr-3470	256	7	endeavored	endeavor	VERB
fsr-3470	256	8	to	to	PART
fsr-3470	256	9	develop	develop	VERB
fsr-3470	256	10	questions	question	NOUN
fsr-3470	256	11	that	that	PRON
fsr-3470	256	12	had	have	VERB
fsr-3470	256	13	objectively	objectively	ADV
fsr-3470	256	14	correct	correct	ADJ
fsr-3470	256	15	and	and	CCONJ
fsr-3470	256	16	incorrect	incorrect	ADJ
fsr-3470	256	17	answers	answer	NOUN
fsr-3470	256	18	rather	rather	ADV
fsr-3470	256	19	than	than	ADP
fsr-3470	256	20	ones	one	NOUN
fsr-3470	256	21	that	that	PRON
fsr-3470	256	22	might	might	AUX
fsr-3470	256	23	be	be	AUX
fsr-3470	256	24	considered	consider	VERB
fsr-3470	256	25	situationally	situationally	ADV
fsr-3470	256	26	dependent	dependent	ADJ
fsr-3470	256	27	.	.	PUNCT
fsr-3470	257	1	although	although	SCONJ
fsr-3470	257	2	the	the	DET
fsr-3470	257	3	questions	question	NOUN
fsr-3470	257	4	have	have	VERB
fsr-3470	257	5	varying	vary	VERB
fsr-3470	257	6	degrees	degree	NOUN
fsr-3470	257	7	of	of	ADP
fsr-3470	257	8	difficulty	difficulty	NOUN
fsr-3470	257	9	,	,	PUNCT
fsr-3470	257	10	few	few	ADJ
fsr-3470	257	11	,	,	PUNCT
fsr-3470	257	12	if	if	SCONJ
fsr-3470	257	13	any	any	PRON
fsr-3470	257	14	of	of	ADP
fsr-3470	257	15	the	the	DET
fsr-3470	257	16	questions	question	NOUN
fsr-3470	257	17	,	,	PUNCT
fsr-3470	257	18	can	can	AUX
fsr-3470	257	19	be	be	AUX
fsr-3470	257	20	considered	consider	VERB
fsr-3470	257	21	“	"	PUNCT
fsr-3470	257	22	trick	trick	NOUN
fsr-3470	257	23	questions	question	NOUN
fsr-3470	257	24	.	.	PUNCT
fsr-3470	257	25	”	"	PUNCT
fsr-3470	258	1	b.	b.	PROPN
fsr-3470	258	2	scholl	scholl	PROPN
fsr-3470	258	3	and	and	CCONJ
fsr-3470	258	4	a.	a.	NOUN
fsr-3470	258	5	fontes	fontes	PROPN
fsr-3470	258	6	/	/	SYM
fsr-3470	258	7	financial	financial	ADJ
fsr-3470	258	8	services	service	NOUN
fsr-3470	258	9	review	review	VERB
fsr-3470	258	10	30	30	NUM
fsr-3470	258	11	(	(	PUNCT
fsr-3470	258	12	2022	2022	NUM
fsr-3470	258	13	)	)	PUNCT
fsr-3470	259	1	31–56	31–56	NUM
fsr-3470	259	2	41	41	NUM
fsr-3470	260	1	t	t	X
fsr-3470	260	2	ab	ab	PROPN
fsr-3470	260	3	le	le	ADP
fsr-3470	260	4	2	2	NUM
fsr-3470	260	5	it	it	PRON
fsr-3470	260	6	em	em	PRON
fsr-3470	260	7	le	le	X
fsr-3470	260	8	v	v	PROPN
fsr-3470	260	9	el	el	PROPN
fsr-3470	260	10	re	re	PROPN
fsr-3470	260	11	su	su	PROPN
fsr-3470	260	12	lt	lt	PROPN
fsr-3470	260	13	s	s	PROPN
fsr-3470	260	14	,	,	PUNCT
fsr-3470	260	15	b	b	PROPN
fsr-3470	260	16	y	y	PROPN
fsr-3470	260	17	g	g	PROPN
fsr-3470	260	18	ro	ro	PROPN
fsr-3470	260	19	u	u	PROPN
fsr-3470	260	20	p	p	PROPN
fsr-3470	260	21	p	p	X
fsr-3470	260	22	er	er	INTJ
fsr-3470	260	23	ce	ce	PROPN
fsr-3470	260	24	n	n	X
fsr-3470	260	25	ta	ta	X
fsr-3470	260	26	g	g	PROPN
fsr-3470	260	27	e	e	PROPN
fsr-3470	260	28	co	co	PROPN
fsr-3470	260	29	rr	rr	PROPN
fsr-3470	260	30	ec	ec	PROPN
fsr-3470	260	31	t	t	PROPN
fsr-3470	260	32	,	,	PUNCT
fsr-3470	260	33	b	b	PROPN
fsr-3470	260	34	y	y	PROPN
fsr-3470	260	35	g	g	PROPN
fsr-3470	260	36	ro	ro	PROPN
fsr-3470	260	37	u	u	PROPN
fsr-3470	260	38	p	p	PROPN
fsr-3470	260	39	p	p	X
fsr-3470	260	40	an	an	PROPN
fsr-3470	260	41	el	el	PROPN
fsr-3470	260	42	a	a	PRON
fsr-3470	260	43	:	:	PUNCT
fsr-3470	260	44	t	t	NOUN
fsr-3470	260	45	o	o	X
fsr-3470	260	46	ta	ta	ADP
fsr-3470	260	47	l	l	NOUN
fsr-3470	260	48	p	p	X
fsr-3470	260	49	an	an	DET
fsr-3470	260	50	el	el	PROPN
fsr-3470	260	51	b	b	PROPN
fsr-3470	260	52	:	:	PUNCT
fsr-3470	260	53	g	g	PROPN
fsr-3470	260	54	en	en	PROPN
fsr-3470	260	55	er	er	INTJ
fsr-3470	260	56	al	al	PROPN
fsr-3470	260	57	fi	fi	PROPN
fsr-3470	260	58	n	n	CCONJ
fsr-3470	260	59	an	an	DET
fsr-3470	260	60	ci	ci	PROPN
fsr-3470	260	61	al	al	PROPN
fsr-3470	260	62	li	li	PROPN
fsr-3470	261	1	te	te	PROPN
fsr-3470	261	2	ra	ra	PROPN
fsr-3470	262	1	cy	cy	PROPN
fsr-3470	262	2	p	p	PROPN
fsr-3470	262	3	an	an	DET
fsr-3470	262	4	el	el	PROPN
fsr-3470	262	5	c	c	PROPN
fsr-3470	262	6	:	:	PUNCT
fsr-3470	262	7	in	in	ADP
fsr-3470	262	8	v	v	ADP
fsr-3470	262	9	es	es	ADP
fsr-3470	262	10	to	to	ADP
fsr-3470	262	11	r	r	PROPN
fsr-3470	262	12	st	st	PROPN
fsr-3470	262	13	at	at	ADP
fsr-3470	262	14	u	u	NOUN
fsr-3470	262	15	s	s	PROPN
fsr-3470	262	16	p	p	NOUN
fsr-3470	262	17	o	o	X
fsr-3470	262	18	p	p	X
fsr-3470	262	19	to	to	ADP
fsr-3470	262	20	ta	ta	ADP
fsr-3470	262	21	l	l	NOUN
fsr-3470	262	22	s	s	X
fsr-3470	262	23	e	e	X
fsr-3470	262	24	l	l	NOUN
fsr-3470	262	25	o	o	X
fsr-3470	262	26	w	w	PROPN
fsr-3470	262	27	li	li	PROPN
fsr-3470	262	28	te	te	PROPN
fsr-3470	262	29	ra	ra	PROPN
fsr-3470	263	1	cy	cy	PROPN
fsr-3470	263	2	s	s	PROPN
fsr-3470	263	3	e	e	NOUN
fsr-3470	263	4	h	h	NOUN
fsr-3470	264	1	ig	ig	PROPN
fsr-3470	264	2	h	h	NOUN
fsr-3470	264	3	li	li	PROPN
fsr-3470	265	1	te	te	INTJ
fsr-3470	265	2	ra	ra	PROPN
fsr-3470	266	1	cy	cy	PROPN
fsr-3470	266	2	s	s	PROPN
fsr-3470	266	3	e	e	NOUN
fsr-3470	266	4	in	in	ADP
fsr-3470	266	5	v	v	NUM
fsr-3470	266	6	es	es	ADP
fsr-3470	266	7	to	to	ADP
fsr-3470	266	8	r	r	NOUN
fsr-3470	266	9	s	s	PROPN
fsr-3470	266	10	e	e	NOUN
fsr-3470	266	11	n	n	ADP
fsr-3470	266	12	o	o	PROPN
fsr-3470	266	13	n	n	CCONJ
fsr-3470	266	14	-i	-i	PROPN
fsr-3470	266	15	n	n	PROPN
fsr-3470	266	16	v	v	NOUN
fsr-3470	266	17	es	es	NOUN
fsr-3470	266	18	to	to	ADP
fsr-3470	266	19	r	r	NOUN
fsr-3470	266	20	s	s	PROPN
fsr-3470	266	21	e	e	X
fsr-3470	266	22	f	f	PROPN
fsr-3470	266	23	in	in	ADP
fsr-3470	266	24	an	an	DET
fsr-3470	266	25	ci	ci	PROPN
fsr-3470	266	26	al	al	PROPN
fsr-3470	266	27	m	m	PROPN
fsr-3470	266	28	ar	ar	PROPN
fsr-3470	266	29	k	k	PROPN
fsr-3470	266	30	et	et	PROPN
fsr-3470	266	31	s	s	PART
fsr-3470	266	32	o	o	NOUN
fsr-3470	267	1	ff	ff	INTJ
fsr-3470	267	2	er	er	INTJ
fsr-3470	267	3	th	th	X
fsr-3470	267	4	o	o	X
fsr-3470	267	5	u	u	X
fsr-3470	267	6	sa	sa	PROPN
fsr-3470	267	7	n	n	PROPN
fsr-3470	267	8	d	d	PROPN
fsr-3470	267	9	s	s	PROPN
fsr-3470	267	10	o	o	X
fsr-3470	268	1	f	f	PROPN
fsr-3470	269	1	d	d	NOUN
fsr-3470	269	2	if	if	SCONJ
fsr-3470	269	3	fe	fe	X
fsr-3470	269	4	re	re	X
fsr-3470	269	5	n	n	PROPN
fsr-3470	269	6	t	t	PROPN
fsr-3470	269	7	m	m	VERB
fsr-3470	269	8	u	u	NOUN
fsr-3470	269	9	tu	tu	PROPN
fsr-3470	269	10	al	al	PROPN
fsr-3470	269	11	fu	fu	PROPN
fsr-3470	270	1	n	n	PROPN
fsr-3470	270	2	d	d	NOUN
fsr-3470	270	3	s	s	VERB
fsr-3470	270	4	to	to	PART
fsr-3470	270	5	in	in	ADP
fsr-3470	270	6	v	v	NUM
fsr-3470	270	7	es	es	NOUN
fsr-3470	270	8	to	to	PART
fsr-3470	270	9	rs	rs	VERB
fsr-3470	270	10	.	.	PUNCT
fsr-3470	271	1	7	7	NUM
fsr-3470	271	2	1	1	NUM
fsr-3470	271	3	.0	.0	NUM
fsr-3470	271	4	5	5	NUM
fsr-3470	271	5	0	0	NUM
fsr-3470	271	6	.7	.7	NUM
fsr-3470	271	7	7	7	NUM
fsr-3470	271	8	5	5	NUM
fsr-3470	271	9	6	6	NUM
fsr-3470	271	10	.7	.7	NUM
fsr-3470	271	11	6	6	NUM
fsr-3470	271	12	5	5	NUM
fsr-3470	271	13	.8	.8	NUM
fsr-3470	271	14	0	0	NUM
fsr-3470	271	15	8	8	NUM
fsr-3470	271	16	0	0	NUM
fsr-3470	272	1	.6	.6	NUM
fsr-3470	272	2	0	0	NUM
fsr-3470	272	3	0	0	NUM
fsr-3470	272	4	.8	.8	NUM
fsr-3470	272	5	5	5	NUM
fsr-3470	272	6	7	7	NUM
fsr-3470	272	7	4	4	NUM
fsr-3470	272	8	.1	.1	NUM
fsr-3470	272	9	1	1	NUM
fsr-3470	272	10	0	0	NUM
fsr-3470	272	11	.8	.8	NUM
fsr-3470	272	12	0	0	NUM
fsr-3470	272	13	5	5	NUM
fsr-3470	272	14	0	0	NUM
fsr-3470	272	15	.3	.3	NUM
fsr-3470	272	16	4	4	NUM
fsr-3470	272	17	2	2	NUM
fsr-3470	272	18	.3	.3	NUM
fsr-3470	272	19	8	8	NUM
fsr-3470	272	20	m	m	NOUN
fsr-3470	272	21	u	u	NOUN
fsr-3470	272	22	tu	tu	PROPN
fsr-3470	272	23	al	al	PROPN
fsr-3470	272	24	fu	fu	PROPN
fsr-3470	273	1	n	n	PROPN
fsr-3470	273	2	d	d	PROPN
fsr-3470	273	3	s	s	X
fsr-3470	273	4	p	p	X
fsr-3470	273	5	ay	ay	NOUN
fsr-3470	273	6	a	a	DET
fsr-3470	273	7	g	g	PROPN
fsr-3470	273	8	u	u	PROPN
fsr-3470	273	9	ar	ar	PROPN
fsr-3470	273	10	an	an	PRON
fsr-3470	273	11	te	te	PROPN
fsr-3470	273	12	ed	ed	NOUN
fsr-3470	273	13	ra	ra	PROPN
fsr-3470	274	1	te	te	INTJ
fsr-3470	274	2	o	o	X
fsr-3470	274	3	f	f	X
fsr-3470	274	4	re	re	VERB
fsr-3470	274	5	tu	tu	PROPN
fsr-3470	274	6	rn	rn	PROPN
fsr-3470	274	7	.	.	PROPN
fsr-3470	275	1	6	6	NUM
fsr-3470	275	2	4	4	NUM
fsr-3470	275	3	.2	.2	NUM
fsr-3470	275	4	3	3	NUM
fsr-3470	275	5	0	0	NUM
fsr-3470	275	6	.8	.8	NUM
fsr-3470	275	7	2	2	NUM
fsr-3470	275	8	2	2	NUM
fsr-3470	275	9	1	1	NUM
fsr-3470	275	10	.6	.6	NUM
fsr-3470	275	11	2	2	NUM
fsr-3470	275	12	4	4	NUM
fsr-3470	275	13	.8	.8	NUM
fsr-3470	275	14	2	2	NUM
fsr-3470	275	15	7	7	NUM
fsr-3470	275	16	9	9	NUM
fsr-3470	275	17	.1	.1	NUM
fsr-3470	275	18	6	6	NUM
fsr-3470	275	19	0	0	NUM
fsr-3470	275	20	.8	.8	NUM
fsr-3470	275	21	8	8	NUM
fsr-3470	275	22	6	6	NUM
fsr-3470	275	23	8	8	NUM
fsr-3470	275	24	.3	.3	NUM
fsr-3470	275	25	4	4	NUM
fsr-3470	275	26	0	0	NUM
fsr-3470	275	27	.8	.8	NUM
fsr-3470	275	28	5	5	NUM
fsr-3470	275	29	3	3	NUM
fsr-3470	275	30	6	6	NUM
fsr-3470	275	31	.3	.3	NUM
fsr-3470	275	32	4	4	NUM
fsr-3470	275	33	2	2	NUM
fsr-3470	275	34	.2	.2	NUM
fsr-3470	275	35	9	9	NUM
fsr-3470	275	36	it	it	PRON
fsr-3470	275	37	is	be	AUX
fsr-3470	275	38	p	p	NOUN
fsr-3470	275	39	o	o	NOUN
fsr-3470	275	40	ss	ss	NOUN
fsr-3470	275	41	ib	ib	X
fsr-3470	275	42	le	le	X
fsr-3470	275	43	to	to	ADP
fsr-3470	275	44	lo	lo	PROPN
fsr-3470	275	45	se	se	PROPN
fsr-3470	275	46	m	m	PROPN
fsr-3470	275	47	o	o	NOUN
fsr-3470	275	48	n	n	ADV
fsr-3470	275	49	ey	ey	INTJ
fsr-3470	275	50	in	in	ADP
fsr-3470	275	51	a	a	DET
fsr-3470	275	52	st	st	NOUN
fsr-3470	276	1	o	o	INTJ
fsr-3470	276	2	ck	ck	INTJ
fsr-3470	276	3	m	m	VERB
fsr-3470	276	4	u	u	NOUN
fsr-3470	276	5	tu	tu	PROPN
fsr-3470	276	6	al	al	PROPN
fsr-3470	276	7	fu	fu	PROPN
fsr-3470	276	8	n	n	PROPN
fsr-3470	277	1	d	d	NOUN
fsr-3470	277	2	.	.	PUNCT
fsr-3470	278	1	8	8	NUM
fsr-3470	278	2	1	1	NUM
fsr-3470	278	3	.2	.2	NUM
fsr-3470	278	4	7	7	NUM
fsr-3470	278	5	0	0	NUM
fsr-3470	278	6	.6	.6	NUM
fsr-3470	278	7	6	6	NUM
fsr-3470	278	8	6	6	NUM
fsr-3470	278	9	0	0	NUM
fsr-3470	278	10	.8	.8	NUM
fsr-3470	278	11	1	1	NUM
fsr-3470	278	12	5	5	NUM
fsr-3470	278	13	.7	.7	NUM
fsr-3470	278	14	1	1	NUM
fsr-3470	278	15	8	8	NUM
fsr-3470	278	16	9	9	NUM
fsr-3470	278	17	.0	.0	NUM
fsr-3470	278	18	7	7	NUM
fsr-3470	278	19	0	0	NUM
fsr-3470	278	20	.6	.6	NUM
fsr-3470	278	21	7	7	NUM
fsr-3470	278	22	8	8	NUM
fsr-3470	278	23	3	3	NUM
fsr-3470	278	24	.5	.5	NUM
fsr-3470	278	25	1	1	NUM
fsr-3470	278	26	0	0	NUM
fsr-3470	278	27	.6	.6	NUM
fsr-3470	278	28	8	8	NUM
fsr-3470	278	29	6	6	NUM
fsr-3470	278	30	6	6	NUM
fsr-3470	278	31	.1	.1	NUM
fsr-3470	278	32	4	4	NUM
fsr-3470	278	33	2	2	NUM
fsr-3470	278	34	.2	.2	NUM
fsr-3470	278	35	5	5	NUM
fsr-3470	278	36	it	it	PRON
fsr-3470	278	37	is	be	AUX
fsr-3470	278	38	p	p	NOUN
fsr-3470	278	39	o	o	NOUN
fsr-3470	278	40	ss	ss	NOUN
fsr-3470	278	41	ib	ib	X
fsr-3470	278	42	le	le	X
fsr-3470	278	43	to	to	ADP
fsr-3470	278	44	lo	lo	PROPN
fsr-3470	278	45	se	se	PROPN
fsr-3470	278	46	m	m	PROPN
fsr-3470	278	47	o	o	NOUN
fsr-3470	278	48	n	n	ADV
fsr-3470	278	49	ey	ey	NOUN
fsr-3470	278	50	in	in	ADP
fsr-3470	278	51	a	a	DET
fsr-3470	278	52	b	b	NOUN
fsr-3470	278	53	o	o	NOUN
fsr-3470	278	54	n	n	PROPN
fsr-3470	279	1	d	d	NOUN
fsr-3470	279	2	m	m	VERB
fsr-3470	279	3	u	u	NOUN
fsr-3470	279	4	tu	tu	PROPN
fsr-3470	279	5	al	al	PROPN
fsr-3470	279	6	fu	fu	PROPN
fsr-3470	279	7	n	n	PROPN
fsr-3470	280	1	d	d	NOUN
fsr-3470	280	2	.	.	PUNCT
fsr-3470	281	1	5	5	NUM
fsr-3470	281	2	5	5	NUM
fsr-3470	281	3	.1	.1	NUM
fsr-3470	281	4	1	1	NUM
fsr-3470	281	5	0	0	NUM
fsr-3470	281	6	.8	.8	NUM
fsr-3470	281	7	5	5	NUM
fsr-3470	281	8	3	3	NUM
fsr-3470	281	9	6	6	NUM
fsr-3470	281	10	.4	.4	NUM
fsr-3470	281	11	9	9	NUM
fsr-3470	281	12	5	5	NUM
fsr-3470	281	13	.6	.6	NUM
fsr-3470	281	14	3	3	NUM
fsr-3470	281	15	6	6	NUM
fsr-3470	281	16	4	4	NUM
fsr-3470	281	17	.2	.2	NUM
fsr-3470	281	18	8	8	NUM
fsr-3470	281	19	1	1	NUM
fsr-3470	281	20	.0	.0	NUM
fsr-3470	281	21	3	3	NUM
fsr-3470	281	22	5	5	NUM
fsr-3470	281	23	7	7	NUM
fsr-3470	281	24	.7	.7	NUM
fsr-3470	281	25	1	1	NUM
fsr-3470	281	26	0	0	NUM
fsr-3470	281	27	.9	.9	NUM
fsr-3470	281	28	0	0	NUM
fsr-3470	281	29	3	3	NUM
fsr-3470	281	30	7	7	NUM
fsr-3470	281	31	.4	.4	NUM
fsr-3470	281	32	7	7	NUM
fsr-3470	281	33	2	2	NUM
fsr-3470	281	34	.3	.3	NUM
fsr-3470	281	35	0	0	NUM
fsr-3470	282	1	if	if	SCONJ
fsr-3470	282	2	a	a	DET
fsr-3470	282	3	m	m	VERB
fsr-3470	282	4	u	u	NOUN
fsr-3470	282	5	tu	tu	PROPN
fsr-3470	282	6	al	al	PROPN
fsr-3470	282	7	fu	fu	PROPN
fsr-3470	283	1	n	n	PROPN
fsr-3470	283	2	d	d	NOUN
fsr-3470	283	3	is	be	AUX
fsr-3470	283	4	re	re	VERB
fsr-3470	283	5	g	g	PROPN
fsr-3470	283	6	is	be	AUX
fsr-3470	283	7	te	te	ADP
fsr-3470	283	8	re	re	X
fsr-3470	283	9	d	d	PROPN
fsr-3470	284	1	w	w	VERB
fsr-3470	285	1	it	it	PRON
fsr-3470	286	1	h	h	VERB
fsr-3470	286	2	th	th	X
fsr-3470	286	3	e	e	X
fsr-3470	286	4	s	s	X
fsr-3470	286	5	e	e	X
fsr-3470	286	6	c	c	NOUN
fsr-3470	286	7	o	o	NOUN
fsr-3470	286	8	r	r	X
fsr-3470	286	9	st	st	PROPN
fsr-3470	286	10	at	at	ADP
fsr-3470	286	11	e	e	PROPN
fsr-3470	286	12	se	se	PROPN
fsr-3470	286	13	cu	cu	PROPN
fsr-3470	286	14	ri	ri	PROPN
fsr-3470	286	15	ti	ti	PROPN
fsr-3470	286	16	es	es	NOUN
fsr-3470	286	17	re	re	ADP
fsr-3470	286	18	g	g	PROPN
fsr-3470	286	19	u	u	X
fsr-3470	286	20	la	la	X
fsr-3470	286	21	to	to	PART
fsr-3470	286	22	rs	rs	VERB
fsr-3470	286	23	,	,	PUNCT
fsr-3470	287	1	y	y	PROPN
fsr-3470	287	2	o	o	NOUN
fsr-3470	287	3	u	u	NOUN
fsr-3470	287	4	ca	ca	NOUN
fsr-3470	287	5	n	n	CCONJ
fsr-3470	287	6	n	n	ADV
fsr-3470	287	7	o	o	NOUN
fsr-3470	287	8	t	t	NOUN
fsr-3470	288	1	lo	lo	PROPN
fsr-3470	288	2	se	se	PROPN
fsr-3470	288	3	m	m	PROPN
fsr-3470	288	4	o	o	NOUN
fsr-3470	288	5	n	n	INTJ
fsr-3470	288	6	ey	ey	INTJ
fsr-3470	288	7	.	.	PUNCT
fsr-3470	289	1	6	6	NUM
fsr-3470	289	2	7	7	NUM
fsr-3470	289	3	.7	.7	NUM
fsr-3470	289	4	1	1	NUM
fsr-3470	289	5	0	0	NUM
fsr-3470	289	6	.8	.8	NUM
fsr-3470	289	7	0	0	NUM
fsr-3470	289	8	2	2	NUM
fsr-3470	289	9	7	7	NUM
fsr-3470	289	10	.0	.0	NUM
fsr-3470	289	11	3	3	NUM
fsr-3470	289	12	5	5	NUM
fsr-3470	289	13	.2	.2	NUM
fsr-3470	289	14	0	0	NUM
fsr-3470	289	15	8	8	NUM
fsr-3470	289	16	1	1	NUM
fsr-3470	289	17	.0	.0	NUM
fsr-3470	289	18	2	2	NUM
fsr-3470	289	19	0	0	NUM
fsr-3470	289	20	.8	.8	NUM
fsr-3470	289	21	5	5	NUM
fsr-3470	289	22	7	7	NUM
fsr-3470	289	23	0	0	NUM
fsr-3470	289	24	.8	.8	NUM
fsr-3470	289	25	4	4	NUM
fsr-3470	289	26	0	0	NUM
fsr-3470	289	27	.8	.8	NUM
fsr-3470	289	28	3	3	NUM
fsr-3470	289	29	4	4	NUM
fsr-3470	289	30	6	6	NUM
fsr-3470	289	31	.5	.5	NUM
fsr-3470	289	32	0	0	NUM
fsr-3470	289	33	2	2	NUM
fsr-3470	289	34	.3	.3	NUM
fsr-3470	289	35	7	7	NUM
fsr-3470	289	36	a	a	DET
fsr-3470	289	37	g	g	NOUN
fsr-3470	289	38	o	o	NOUN
fsr-3470	289	39	o	o	X
fsr-3470	290	1	d	d	X
fsr-3470	290	2	p	p	X
fsr-3470	290	3	re	re	PROPN
fsr-3470	290	4	d	d	NOUN
fsr-3470	290	5	ic	ic	X
fsr-3470	290	6	to	to	ADP
fsr-3470	290	7	r	r	NOUN
fsr-3470	290	8	o	o	X
fsr-3470	290	9	f	f	X
fsr-3470	290	10	th	th	X
fsr-3470	290	11	e	e	PROPN
fsr-3470	290	12	fu	fu	PROPN
fsr-3470	290	13	tu	tu	PROPN
fsr-3470	290	14	re	re	X
fsr-3470	290	15	p	p	PROPN
fsr-3470	291	1	er	er	INTJ
fsr-3470	291	2	fo	fo	INTJ
fsr-3470	291	3	rm	rm	PROPN
fsr-3470	291	4	an	an	DET
fsr-3470	291	5	ce	ce	PROPN
fsr-3470	291	6	o	o	PROPN
fsr-3470	291	7	f	f	PROPN
fsr-3470	292	1	a	a	DET
fsr-3470	292	2	m	m	VERB
fsr-3470	292	3	u	u	NOUN
fsr-3470	292	4	tu	tu	PROPN
fsr-3470	292	5	al	al	PROPN
fsr-3470	292	6	fu	fu	PROPN
fsr-3470	293	1	n	n	PROPN
fsr-3470	293	2	d	d	NOUN
fsr-3470	293	3	is	be	AUX
fsr-3470	293	4	it	it	PRON
fsr-3470	293	5	s	s	VERB
fsr-3470	293	6	p	p	NOUN
fsr-3470	293	7	as	as	ADP
fsr-3470	293	8	t	t	PROPN
fsr-3470	293	9	p	p	X
fsr-3470	294	1	er	er	INTJ
fsr-3470	294	2	fo	fo	INTJ
fsr-3470	294	3	rm	rm	PROPN
fsr-3470	294	4	an	an	DET
fsr-3470	294	5	ce	ce	PROPN
fsr-3470	294	6	.	.	PUNCT
fsr-3470	295	1	3	3	NUM
fsr-3470	295	2	2	2	NUM
fsr-3470	295	3	.9	.9	NUM
fsr-3470	295	4	3	3	NUM
fsr-3470	295	5	0	0	NUM
fsr-3470	295	6	.8	.8	NUM
fsr-3470	295	7	0	0	NUM
fsr-3470	295	8	1	1	NUM
fsr-3470	295	9	7	7	NUM
fsr-3470	295	10	.5	.5	NUM
fsr-3470	295	11	7	7	NUM
fsr-3470	295	12	4	4	NUM
fsr-3470	295	13	.4	.4	NUM
fsr-3470	295	14	5	5	NUM
fsr-3470	295	15	4	4	NUM
fsr-3470	295	16	0	0	NUM
fsr-3470	295	17	.4	.4	NUM
fsr-3470	295	18	2	2	NUM
fsr-3470	295	19	1	1	NUM
fsr-3470	295	20	.0	.0	NUM
fsr-3470	295	21	6	6	NUM
fsr-3470	295	22	3	3	NUM
fsr-3470	295	23	4	4	NUM
fsr-3470	295	24	.9	.9	NUM
fsr-3470	295	25	6	6	NUM
fsr-3470	295	26	0	0	NUM
fsr-3470	295	27	.8	.8	NUM
fsr-3470	295	28	7	7	NUM
fsr-3470	295	29	1	1	NUM
fsr-3470	295	30	9	9	NUM
fsr-3470	295	31	.1	.1	NUM
fsr-3470	295	32	9	9	NUM
fsr-3470	295	33	1	1	NUM
fsr-3470	295	34	.8	.8	NUM
fsr-3470	295	35	7	7	NUM
fsr-3470	295	36	a	a	DET
fsr-3470	295	37	n	n	NOUN
fsr-3470	295	38	o	o	NOUN
fsr-3470	295	39	-l	-l	PUNCT
fsr-3470	296	1	o	o	INTJ
fsr-3470	296	2	ad	ad	NOUN
fsr-3470	296	3	m	m	VERB
fsr-3470	296	4	u	u	NOUN
fsr-3470	296	5	tu	tu	PROPN
fsr-3470	296	6	al	al	PROPN
fsr-3470	296	7	fu	fu	PROPN
fsr-3470	296	8	n	n	PROPN
fsr-3470	296	9	d	d	PROPN
fsr-3470	296	10	ch	ch	PROPN
fsr-3470	296	11	ar	ar	PROPN
fsr-3470	296	12	g	g	PROPN
fsr-3470	296	13	es	es	X
fsr-3470	296	14	y	y	PROPN
fsr-3470	296	15	ea	ea	PROPN
fsr-3470	296	16	rl	rl	ADP
fsr-3470	296	17	y	y	PROPN
fsr-3470	296	18	ex	ex	X
fsr-3470	296	19	p	p	PROPN
fsr-3470	296	20	en	en	X
fsr-3470	296	21	se	se	X
fsr-3470	296	22	s.	s.	PROPN
fsr-3470	296	23	2	2	NUM
fsr-3470	296	24	4	4	NUM
fsr-3470	296	25	.2	.2	NUM
fsr-3470	296	26	2	2	NUM
fsr-3470	296	27	0	0	NUM
fsr-3470	296	28	.7	.7	NUM
fsr-3470	296	29	3	3	NUM
fsr-3470	296	30	1	1	NUM
fsr-3470	296	31	6	6	NUM
fsr-3470	296	32	.2	.2	NUM
fsr-3470	296	33	2	2	NUM
fsr-3470	296	34	4	4	NUM
fsr-3470	296	35	.3	.3	NUM
fsr-3470	296	36	1	1	NUM
fsr-3470	296	37	3	3	NUM
fsr-3470	296	38	0	0	NUM
fsr-3470	296	39	.4	.4	NUM
fsr-3470	296	40	2	2	NUM
fsr-3470	296	41	0	0	NUM
fsr-3470	296	42	.9	.9	NUM
fsr-3470	296	43	9	9	NUM
fsr-3470	296	44	2	2	NUM
fsr-3470	296	45	5	5	NUM
fsr-3470	296	46	.7	.7	NUM
fsr-3470	296	47	6	6	NUM
fsr-3470	296	48	0	0	NUM
fsr-3470	296	49	.8	.8	NUM
fsr-3470	296	50	0	0	NUM
fsr-3470	296	51	1	1	NUM
fsr-3470	296	52	3	3	NUM
fsr-3470	296	53	.7	.7	NUM
fsr-3470	296	54	7	7	NUM
fsr-3470	296	55	1	1	NUM
fsr-3470	296	56	.6	.6	NUM
fsr-3470	296	57	4	4	NUM
fsr-3470	296	58	a	a	DET
fsr-3470	296	59	lo	lo	PROPN
fsr-3470	296	60	ad	ad	NOUN
fsr-3470	296	61	fe	fe	X
fsr-3470	296	62	e	e	PROPN
fsr-3470	296	63	is	be	AUX
fsr-3470	296	64	ch	ch	PROPN
fsr-3470	296	65	ar	ar	PROPN
fsr-3470	296	66	g	g	PROPN
fsr-3470	296	67	ed	ed	PROPN
fsr-3470	296	68	o	o	PROPN
fsr-3470	297	1	n	n	X
fsr-3470	297	2	ly	ly	X
fsr-3470	297	3	w	w	NOUN
fsr-3470	297	4	h	h	PROPN
fsr-3470	297	5	en	en	X
fsr-3470	297	6	th	th	X
fsr-3470	297	7	e	e	NOUN
fsr-3470	297	8	fu	fu	NOUN
fsr-3470	298	1	n	n	PROPN
fsr-3470	298	2	d	d	NOUN
fsr-3470	298	3	is	be	AUX
fsr-3470	298	4	in	in	ADP
fsr-3470	298	5	it	it	PRON
fsr-3470	298	6	ia	ia	PROPN
fsr-3470	299	1	ll	ll	AUX
fsr-3470	299	2	y	y	PROPN
fsr-3470	299	3	p	p	PROPN
fsr-3470	299	4	u	u	PROPN
fsr-3470	299	5	rc	rc	PROPN
fsr-3470	299	6	h	h	NOUN
fsr-3470	299	7	as	as	ADP
fsr-3470	299	8	ed	ed	PROPN
fsr-3470	299	9	.	.	PUNCT
fsr-3470	300	1	1	1	NUM
fsr-3470	300	2	6	6	NUM
fsr-3470	300	3	.4	.4	NUM
fsr-3470	300	4	6	6	NUM
fsr-3470	300	5	0	0	NUM
fsr-3470	300	6	.6	.6	NUM
fsr-3470	300	7	3	3	NUM
fsr-3470	300	8	5	5	NUM
fsr-3470	300	9	.4	.4	NUM
fsr-3470	300	10	1	1	NUM
fsr-3470	300	11	2	2	NUM
fsr-3470	300	12	.6	.6	NUM
fsr-3470	300	13	5	5	NUM
fsr-3470	300	14	2	2	NUM
fsr-3470	300	15	0	0	NUM
fsr-3470	300	16	.9	.9	NUM
fsr-3470	300	17	8	8	NUM
fsr-3470	300	18	0	0	NUM
fsr-3470	300	19	.8	.8	NUM
fsr-3470	300	20	8	8	NUM
fsr-3470	300	21	1	1	NUM
fsr-3470	300	22	7	7	NUM
fsr-3470	300	23	.7	.7	NUM
fsr-3470	300	24	9	9	NUM
fsr-3470	300	25	0	0	NUM
fsr-3470	300	26	.7	.7	NUM
fsr-3470	300	27	0	0	NUM
fsr-3470	300	28	7	7	NUM
fsr-3470	300	29	.4	.4	NUM
fsr-3470	300	30	5	5	NUM
fsr-3470	300	31	1	1	NUM
fsr-3470	300	32	.2	.2	NUM
fsr-3470	300	33	5	5	NUM
fsr-3470	300	34	f	f	INTJ
fsr-3470	300	35	ee	ee	PROPN
fsr-3470	300	36	s	s	PROPN
fsr-3470	300	37	an	an	DET
fsr-3470	300	38	d	d	X
fsr-3470	300	39	ex	ex	X
fsr-3470	300	40	p	p	NOUN
fsr-3470	300	41	en	en	X
fsr-3470	300	42	se	se	X
fsr-3470	300	43	s	s	PART
fsr-3470	300	44	fo	fo	INTJ
fsr-3470	300	45	r	r	NOUN
fsr-3470	300	46	th	th	X
fsr-3470	300	47	e	e	NOUN
fsr-3470	300	48	m	m	VERB
fsr-3470	300	49	u	u	NOUN
fsr-3470	300	50	tu	tu	PROPN
fsr-3470	300	51	al	al	PROPN
fsr-3470	300	52	fu	fu	PROPN
fsr-3470	301	1	n	n	PROPN
fsr-3470	301	2	d	d	PROPN
fsr-3470	301	3	in	in	ADP
fsr-3470	301	4	d	d	PROPN
fsr-3470	301	5	u	u	PROPN
fsr-3470	301	6	str	str	PROPN
fsr-3470	301	7	y	y	PROPN
fsr-3470	301	8	ar	ar	PROPN
fsr-3470	301	9	e	e	PROPN
fsr-3470	301	10	ca	can	AUX
fsr-3470	301	11	p	p	PROPN
fsr-3470	301	12	p	p	PROPN
fsr-3470	301	13	ed	ed	NOUN
fsr-3470	301	14	at	at	ADP
fsr-3470	301	15	a	a	DET
fsr-3470	301	16	m	m	NOUN
fsr-3470	301	17	ax	ax	NOUN
fsr-3470	302	1	i	i	NOUN
fsr-3470	302	2	m	m	VERB
fsr-3470	302	3	u	u	NOUN
fsr-3470	302	4	m	m	VERB
fsr-3470	302	5	le	le	PROPN
fsr-3470	302	6	v	v	PROPN
fsr-3470	302	7	el	el	PROPN
fsr-3470	302	8	b	b	PROPN
fsr-3470	302	9	y	y	PROPN
fsr-3470	302	10	re	re	ADP
fsr-3470	302	11	g	g	PROPN
fsr-3470	302	12	u	u	PROPN
fsr-3470	302	13	la	la	X
fsr-3470	302	14	to	to	PART
fsr-3470	302	15	ry	ry	VERB
fsr-3470	302	16	au	au	PROPN
fsr-3470	302	17	th	th	X
fsr-3470	302	18	o	o	X
fsr-3470	302	19	ri	ri	INTJ
fsr-3470	302	20	ti	ti	NOUN
fsr-3470	302	21	es	es	NOUN
fsr-3470	302	22	.	.	PUNCT
fsr-3470	303	1	2	2	NUM
fsr-3470	303	2	2	2	NUM
fsr-3470	303	3	.8	.8	NUM
fsr-3470	303	4	2	2	NUM
fsr-3470	303	5	0	0	NUM
fsr-3470	303	6	.7	.7	NUM
fsr-3470	303	7	2	2	NUM
fsr-3470	303	8	9	9	NUM
fsr-3470	303	9	.4	.4	NUM
fsr-3470	303	10	6	6	NUM
fsr-3470	303	11	3	3	NUM
fsr-3470	303	12	.4	.4	NUM
fsr-3470	303	13	3	3	NUM
fsr-3470	303	14	3	3	NUM
fsr-3470	303	15	0	0	NUM
fsr-3470	303	16	.3	.3	NUM
fsr-3470	303	17	7	7	NUM
fsr-3470	303	18	0	0	NUM
fsr-3470	303	19	.9	.9	NUM
fsr-3470	303	20	9	9	NUM
fsr-3470	303	21	2	2	NUM
fsr-3470	303	22	4	4	NUM
fsr-3470	303	23	.6	.6	NUM
fsr-3470	303	24	6	6	NUM
fsr-3470	303	25	0	0	NUM
fsr-3470	303	26	.7	.7	NUM
fsr-3470	303	27	9	9	NUM
fsr-3470	303	28	1	1	NUM
fsr-3470	303	29	0	0	NUM
fsr-3470	303	30	.3	.3	NUM
fsr-3470	303	31	8	8	NUM
fsr-3470	303	32	1	1	NUM
fsr-3470	303	33	.4	.4	NUM
fsr-3470	303	34	5	5	NUM
fsr-3470	303	35	f	f	NOUN
fsr-3470	303	36	u	u	NOUN
fsr-3470	303	37	n	n	PROPN
fsr-3470	303	38	d	d	X
fsr-3470	303	39	fe	fe	X
fsr-3470	303	40	es	es	X
fsr-3470	303	41	ar	ar	PROPN
fsr-3470	303	42	e	e	PROPN
fsr-3470	303	43	re	re	ADP
fsr-3470	303	44	q	q	PROPN
fsr-3470	303	45	u	u	X
fsr-3470	303	46	ir	ir	INTJ
fsr-3470	303	47	ed	ed	NOUN
fsr-3470	303	48	to	to	ADP
fsr-3470	303	49	b	b	PROPN
fsr-3470	303	50	e	e	X
fsr-3470	303	51	re	re	ADP
fsr-3470	303	52	p	p	NOUN
fsr-3470	303	53	o	o	X
fsr-3470	303	54	rt	rt	PROPN
fsr-3470	303	55	ed	ed	NOUN
fsr-3470	303	56	in	in	ADP
fsr-3470	303	57	th	th	NUM
fsr-3470	303	58	e	e	NOUN
fsr-3470	303	59	fu	fu	NOUN
fsr-3470	303	60	n	n	PROPN
fsr-3470	304	1	d	d	PROPN
fsr-3470	304	2	’s	’s	ADJ
fsr-3470	304	3	p	p	X
fsr-3470	304	4	ro	ro	X
fsr-3470	304	5	sp	sp	ADP
fsr-3470	305	1	ec	ec	PROPN
fsr-3470	305	2	tu	tu	PROPN
fsr-3470	305	3	s	s	PROPN
fsr-3470	305	4	d	d	X
fsr-3470	305	5	o	o	X
fsr-3470	305	6	cu	cu	NOUN
fsr-3470	305	7	m	m	X
fsr-3470	305	8	en	en	X
fsr-3470	305	9	t.	t.	NOUN
fsr-3470	305	10	5	5	NUM
fsr-3470	305	11	9	9	NUM
fsr-3470	305	12	.9	.9	NUM
fsr-3470	305	13	3	3	NUM
fsr-3470	305	14	0	0	NUM
fsr-3470	305	15	.8	.8	NUM
fsr-3470	305	16	4	4	NUM
fsr-3470	305	17	3	3	NUM
fsr-3470	305	18	7	7	NUM
fsr-3470	305	19	.8	.8	NUM
fsr-3470	305	20	4	4	NUM
fsr-3470	305	21	5	5	NUM
fsr-3470	305	22	.6	.6	NUM
fsr-3470	305	23	8	8	NUM
fsr-3470	305	24	7	7	NUM
fsr-3470	305	25	2	2	NUM
fsr-3470	305	26	.0	.0	NUM
fsr-3470	305	27	9	9	NUM
fsr-3470	305	28	0	0	NUM
fsr-3470	305	29	.9	.9	NUM
fsr-3470	305	30	7	7	NUM
fsr-3470	305	31	6	6	NUM
fsr-3470	305	32	3	3	NUM
fsr-3470	305	33	.0	.0	NUM
fsr-3470	305	34	8	8	NUM
fsr-3470	305	35	0	0	NUM
fsr-3470	305	36	.8	.8	NUM
fsr-3470	305	37	8	8	NUM
fsr-3470	305	38	3	3	NUM
fsr-3470	305	39	8	8	NUM
fsr-3470	305	40	.6	.6	NUM
fsr-3470	305	41	0	0	NUM
fsr-3470	305	42	2	2	NUM
fsr-3470	305	43	.3	.3	NUM
fsr-3470	305	44	2	2	NUM
fsr-3470	305	45	t	t	NOUN
fsr-3470	306	1	h	h	NOUN
fsr-3470	306	2	e	e	X
fsr-3470	306	3	fe	fe	X
fsr-3470	306	4	es	es	X
fsr-3470	306	5	o	o	NOUN
fsr-3470	306	6	r	r	NOUN
fsr-3470	306	7	ex	ex	NOUN
fsr-3470	306	8	p	p	NOUN
fsr-3470	306	9	en	en	X
fsr-3470	306	10	se	se	PROPN
fsr-3470	306	11	s	s	PROPN
fsr-3470	306	12	ch	ch	PROPN
fsr-3470	306	13	ar	ar	PROPN
fsr-3470	306	14	g	g	PROPN
fsr-3470	306	15	ed	ed	PROPN
fsr-3470	306	16	b	b	PROPN
fsr-3470	306	17	y	y	X
fsr-3470	306	18	th	th	X
fsr-3470	306	19	e	e	NOUN
fsr-3470	306	20	m	m	VERB
fsr-3470	306	21	u	u	NOUN
fsr-3470	306	22	tu	tu	PROPN
fsr-3470	306	23	al	al	PROPN
fsr-3470	306	24	fu	fu	PROPN
fsr-3470	307	1	n	n	PROPN
fsr-3470	307	2	d	d	X
fsr-3470	307	3	co	co	NOUN
fsr-3470	307	4	m	m	VERB
fsr-3470	307	5	p	p	NOUN
fsr-3470	307	6	an	an	DET
fsr-3470	307	7	y	y	PROPN
fsr-3470	307	8	in	in	ADP
fsr-3470	307	9	a	a	DET
fsr-3470	307	10	g	g	NOUN
fsr-3470	307	11	iv	iv	NUM
fsr-3470	308	1	en	en	INTJ
fsr-3470	308	2	y	y	PROPN
fsr-3470	308	3	ea	ea	PROPN
fsr-3470	309	1	r	r	NOUN
fsr-3470	309	2	ca	ca	NOUN
fsr-3470	309	3	n	n	ADV
fsr-3470	309	4	b	b	PROPN
fsr-3470	309	5	e	e	X
fsr-3470	309	6	ap	ap	PROPN
fsr-3470	310	1	p	p	PROPN
fsr-3470	310	2	ro	ro	X
fsr-3470	310	3	x	x	PROPN
fsr-3470	310	4	i	i	PRON
fsr-3470	310	5	m	m	VERB
fsr-3470	310	6	at	at	ADP
fsr-3470	310	7	ed	ed	PROPN
fsr-3470	310	8	b	b	PROPN
fsr-3470	310	9	y	y	PROPN
fsr-3470	310	10	m	m	VERB
fsr-3470	310	11	u	u	NOUN
fsr-3470	310	12	lt	lt	ADV
fsr-3470	310	13	ip	ip	VERB
fsr-3470	310	14	ly	ly	VERB
fsr-3470	310	15	in	in	ADP
fsr-3470	310	16	g	g	PROPN
fsr-3470	310	17	th	th	X
fsr-3470	310	18	e	e	NOUN
fsr-3470	310	19	fu	fu	NOUN
fsr-3470	310	20	n	n	PROPN
fsr-3470	310	21	d	d	PROPN
fsr-3470	310	22	’s	’s	NOUN
fsr-3470	310	23	n	n	INTJ
fsr-3470	310	24	et	et	NOUN
fsr-3470	310	25	ex	ex	NOUN
fsr-3470	310	26	p	p	X
fsr-3470	310	27	en	en	X
fsr-3470	310	28	se	se	X
fsr-3470	310	29	ra	ra	PROPN
fsr-3470	311	1	ti	ti	INTJ
fsr-3470	311	2	o	o	PROPN
fsr-3470	311	3	b	b	X
fsr-3470	311	4	y	y	X
fsr-3470	311	5	th	th	X
fsr-3470	311	6	e	e	NOUN
fsr-3470	311	7	in	in	ADP
fsr-3470	311	8	v	v	NUM
fsr-3470	311	9	es	es	ADP
fsr-3470	311	10	tm	tm	PROPN
fsr-3470	311	11	en	en	PROPN
fsr-3470	311	12	t	t	PROPN
fsr-3470	311	13	g	g	PROPN
fsr-3470	311	14	ai	ai	VERB
fsr-3470	311	15	n	n	PRON
fsr-3470	311	16	s	s	NOUN
fsr-3470	311	17	fo	fo	INTJ
fsr-3470	311	18	r	r	NOUN
fsr-3470	311	19	th	th	X
fsr-3470	311	20	e	e	X
fsr-3470	311	21	y	y	PROPN
fsr-3470	311	22	ea	ea	PROPN
fsr-3470	311	23	r.	r.	PROPN
fsr-3470	311	24	1	1	NUM
fsr-3470	311	25	4	4	NUM
fsr-3470	311	26	.3	.3	NUM
fsr-3470	311	27	7	7	NUM
fsr-3470	311	28	0	0	NUM
fsr-3470	312	1	.6	.6	NUM
fsr-3470	312	2	0	0	NUM
fsr-3470	312	3	1	1	NUM
fsr-3470	312	4	.3	.3	NUM
fsr-3470	312	5	5	5	NUM
fsr-3470	312	6	1	1	NUM
fsr-3470	312	7	.3	.3	NUM
fsr-3470	312	8	5	5	NUM
fsr-3470	312	9	1	1	NUM
fsr-3470	312	10	8	8	NUM
fsr-3470	312	11	.8	.8	NUM
fsr-3470	312	12	8	8	NUM
fsr-3470	312	13	0	0	NUM
fsr-3470	312	14	.8	.8	NUM
fsr-3470	312	15	4	4	NUM
fsr-3470	312	16	1	1	NUM
fsr-3470	312	17	5	5	NUM
fsr-3470	312	18	.5	.5	NUM
fsr-3470	312	19	3	3	NUM
fsr-3470	312	20	0	0	NUM
fsr-3470	312	21	.6	.6	NUM
fsr-3470	312	22	6	6	NUM
fsr-3470	312	23	6	6	NUM
fsr-3470	312	24	.5	.5	NUM
fsr-3470	312	25	5	5	NUM
fsr-3470	312	26	1	1	NUM
fsr-3470	312	27	.1	.1	NUM
fsr-3470	312	28	8	8	NUM
fsr-3470	312	29	m	m	VERB
fsr-3470	312	30	ea	ea	PROPN
fsr-3470	312	31	n	n	CCONJ
fsr-3470	312	32	sc	sc	PROPN
fsr-3470	312	33	o	o	X
fsr-3470	312	34	re	re	X
fsr-3470	312	35	(	(	PUNCT
fsr-3470	312	36	a	a	DET
fsr-3470	312	37	v	v	INTJ
fsr-3470	312	38	er	er	INTJ
fsr-3470	312	39	ag	ag	PROPN
fsr-3470	312	40	e	e	PROPN
fsr-3470	312	41	to	to	ADP
fsr-3470	312	42	ta	ta	PROPN
fsr-3470	312	43	l	l	PROPN
fsr-3470	312	44	co	co	PROPN
fsr-3470	312	45	rr	rr	PROPN
fsr-3470	312	46	ec	ec	PROPN
fsr-3470	312	47	t	t	PROPN
fsr-3470	312	48	)	)	PUNCT
fsr-3470	312	49	5	5	NUM
fsr-3470	312	50	.1	.1	NUM
fsr-3470	312	51	2	2	NUM
fsr-3470	312	52	.9	.9	NUM
fsr-3470	312	53	6	6	NUM
fsr-3470	312	54	.1	.1	NUM
fsr-3470	312	55	5	5	NUM
fsr-3470	312	56	.4	.4	NUM
fsr-3470	312	57	3	3	NUM
fsr-3470	312	58	.3	.3	NUM
fsr-3470	312	59	n	n	PRON
fsr-3470	312	60	3	3	NUM
fsr-3470	312	61	4	4	NUM
fsr-3470	312	62	4	4	NUM
fsr-3470	312	63	4	4	NUM
fsr-3470	312	64	7	7	NUM
fsr-3470	312	65	4	4	NUM
fsr-3470	312	66	2	2	NUM
fsr-3470	312	67	1	1	NUM
fsr-3470	312	68	5	5	NUM
fsr-3470	312	69	0	0	NUM
fsr-3470	312	70	3	3	NUM
fsr-3470	312	71	0	0	NUM
fsr-3470	312	72	0	0	NUM
fsr-3470	312	73	1	1	NUM
fsr-3470	312	74	4	4	NUM
fsr-3470	312	75	4	4	NUM
fsr-3470	312	76	3	3	NUM
fsr-3470	312	77	42	42	NUM
fsr-3470	312	78	b.	b.	PROPN
fsr-3470	312	79	scholl	scholl	PROPN
fsr-3470	312	80	and	and	CCONJ
fsr-3470	312	81	a.	a.	NOUN
fsr-3470	312	82	fontes	fontes	PROPN
fsr-3470	312	83	/	/	SYM
fsr-3470	312	84	financial	financial	ADJ
fsr-3470	312	85	services	service	NOUN
fsr-3470	312	86	review	review	VERB
fsr-3470	312	87	30	30	NUM
fsr-3470	312	88	(	(	PUNCT
fsr-3470	312	89	2022	2022	NUM
fsr-3470	312	90	)	)	PUNCT
fsr-3470	312	91	31–56	31–56	NUM
fsr-3470	312	92	4	4	NUM
fsr-3470	312	93	.	.	PUNCT
fsr-3470	312	94	results	result	VERB
fsr-3470	312	95	4.1	4.1	NUM
fsr-3470	312	96	.	.	PUNCT
fsr-3470	313	1	individual	individual	ADJ
fsr-3470	313	2	question	question	NOUN
fsr-3470	313	3	responses	response	NOUN
fsr-3470	313	4	table	table	NOUN
fsr-3470	313	5	2	2	NUM
fsr-3470	313	6	provides	provide	VERB
fsr-3470	313	7	the	the	DET
fsr-3470	313	8	proportion	proportion	NOUN
fsr-3470	313	9	of	of	ADP
fsr-3470	313	10	the	the	DET
fsr-3470	313	11	sample	sample	NOUN
fsr-3470	313	12	who	who	PRON
fsr-3470	313	13	responded	respond	VERB
fsr-3470	313	14	correctly	correctly	ADV
fsr-3470	313	15	to	to	ADP
fsr-3470	313	16	each	each	DET
fsr-3470	313	17	item	item	NOUN
fsr-3470	313	18	in	in	ADP
fsr-3470	313	19	the	the	DET
fsr-3470	313	20	mutual	mutual	ADJ
fsr-3470	313	21	fund	fund	NOUN
fsr-3470	313	22	index	index	NOUN
fsr-3470	313	23	.	.	PUNCT
fsr-3470	314	1	considering	consider	VERB
fsr-3470	314	2	that	that	SCONJ
fsr-3470	314	3	most	most	ADJ
fsr-3470	314	4	questions	question	NOUN
fsr-3470	314	5	for	for	ADP
fsr-3470	314	6	this	this	DET
fsr-3470	314	7	survey	survey	NOUN
fsr-3470	314	8	were	be	AUX
fsr-3470	314	9	developed	develop	VERB
fsr-3470	314	10	with	with	ADP
fsr-3470	314	11	the	the	DET
fsr-3470	314	12	intention	intention	NOUN
fsr-3470	314	13	of	of	ADP
fsr-3470	314	14	reflecting	reflect	VERB
fsr-3470	314	15	basic	basic	ADJ
fsr-3470	314	16	properties	property	NOUN
fsr-3470	314	17	of	of	ADP
fsr-3470	314	18	mutual	mutual	ADJ
fsr-3470	314	19	funds	fund	NOUN
fsr-3470	314	20	that	that	PRON
fsr-3470	314	21	should	should	AUX
fsr-3470	314	22	be	be	AUX
fsr-3470	314	23	considered	consider	VERB
fsr-3470	314	24	when	when	SCONJ
fsr-3470	314	25	making	make	VERB
fsr-3470	314	26	investment	investment	NOUN
fsr-3470	314	27	decisions	decision	NOUN
fsr-3470	314	28	,	,	PUNCT
fsr-3470	314	29	the	the	DET
fsr-3470	314	30	results	result	NOUN
fsr-3470	314	31	overall	overall	ADV
fsr-3470	314	32	are	be	AUX
fsr-3470	314	33	not	not	PART
fsr-3470	314	34	encouraging	encouraging	ADJ
fsr-3470	314	35	in	in	ADP
fsr-3470	314	36	terms	term	NOUN
fsr-3470	314	37	of	of	ADP
fsr-3470	314	38	respondent	respondent	NOUN
fsr-3470	314	39	knowledge	knowledge	NOUN
fsr-3470	314	40	.	.	PUNCT
fsr-3470	315	1	of	of	ADP
fsr-3470	315	2	the	the	DET
fsr-3470	315	3	11	11	NUM
fsr-3470	315	4	questions	question	NOUN
fsr-3470	315	5	we	we	PRON
fsr-3470	315	6	developed	develop	VERB
fsr-3470	315	7	,	,	PUNCT
fsr-3470	315	8	only	only	ADV
fsr-3470	315	9	six	six	NUM
fsr-3470	315	10	were	be	AUX
fsr-3470	315	11	each	each	PRON
fsr-3470	315	12	answered	answer	VERB
fsr-3470	315	13	correctly	correctly	ADV
fsr-3470	315	14	by	by	ADP
fsr-3470	315	15	more	more	ADJ
fsr-3470	315	16	than	than	ADP
fsr-3470	315	17	half	half	NOUN
fsr-3470	315	18	of	of	ADP
fsr-3470	315	19	respondents	respondent	NOUN
fsr-3470	315	20	.	.	PUNCT
fsr-3470	316	1	the	the	DET
fsr-3470	316	2	remaining	remain	VERB
fsr-3470	316	3	five	five	NUM
fsr-3470	316	4	questions	question	NOUN
fsr-3470	316	5	each	each	PRON
fsr-3470	316	6	had	have	VERB
fsr-3470	316	7	only	only	ADV
fsr-3470	316	8	a	a	DET
fsr-3470	316	9	third	third	NOUN
fsr-3470	316	10	of	of	ADP
fsr-3470	316	11	respondents	respondent	NOUN
fsr-3470	316	12	,	,	PUNCT
fsr-3470	316	13	or	or	CCONJ
fsr-3470	316	14	fewer	few	ADJ
fsr-3470	316	15	,	,	PUNCT
fsr-3470	316	16	responding	respond	VERB
fsr-3470	316	17	correctly	correctly	ADV
fsr-3470	316	18	.	.	PUNCT
fsr-3470	317	1	the	the	DET
fsr-3470	317	2	marketplace	marketplace	NOUN
fsr-3470	317	3	options	option	NOUN
fsr-3470	317	4	question	question	NOUN
fsr-3470	317	5	aims	aim	VERB
fsr-3470	317	6	to	to	PART
fsr-3470	317	7	determine	determine	VERB
fsr-3470	317	8	if	if	SCONJ
fsr-3470	317	9	respondents	respondent	NOUN
fsr-3470	317	10	are	be	AUX
fsr-3470	317	11	aware	aware	ADJ
fsr-3470	317	12	that	that	SCONJ
fsr-3470	317	13	there	there	PRON
fsr-3470	317	14	are	be	VERB
fsr-3470	317	15	many	many	ADJ
fsr-3470	317	16	different	different	ADJ
fsr-3470	317	17	alternative	alternative	ADJ
fsr-3470	317	18	investment	investment	NOUN
fsr-3470	317	19	options	option	NOUN
fsr-3470	317	20	available	available	ADJ
fsr-3470	317	21	to	to	ADP
fsr-3470	317	22	them	they	PRON
fsr-3470	317	23	(	(	PUNCT
fsr-3470	317	24	and	and	CCONJ
fsr-3470	317	25	by	by	ADP
fsr-3470	317	26	implication	implication	NOUN
fsr-3470	317	27	,	,	PUNCT
fsr-3470	317	28	if	if	SCONJ
fsr-3470	317	29	they	they	PRON
fsr-3470	317	30	are	be	AUX
fsr-3470	317	31	not	not	PART
fsr-3470	317	32	happy	happy	ADJ
fsr-3470	317	33	,	,	PUNCT
fsr-3470	317	34	they	they	PRON
fsr-3470	317	35	can	can	AUX
fsr-3470	317	36	shop	shop	VERB
fsr-3470	317	37	around	around	ADP
fsr-3470	317	38	)	)	PUNCT
fsr-3470	317	39	.	.	PUNCT
fsr-3470	318	1	encouragingly	encouragingly	ADV
fsr-3470	318	2	,	,	PUNCT
fsr-3470	318	3	over	over	ADP
fsr-3470	318	4	71	71	NUM
fsr-3470	318	5	percent	percent	NOUN
fsr-3470	318	6	of	of	ADP
fsr-3470	318	7	respondents	respondent	NOUN
fsr-3470	318	8	were	be	AUX
fsr-3470	318	9	aware	aware	ADJ
fsr-3470	318	10	that	that	SCONJ
fsr-3470	318	11	financial	financial	ADJ
fsr-3470	318	12	markets	market	NOUN
fsr-3470	318	13	offer	offer	VERB
fsr-3470	318	14	thousands	thousand	NOUN
fsr-3470	318	15	of	of	ADP
fsr-3470	318	16	different	different	ADJ
fsr-3470	318	17	mutual	mutual	ADJ
fsr-3470	318	18	fund	fund	NOUN
fsr-3470	318	19	options	option	NOUN
fsr-3470	318	20	.	.	PUNCT
fsr-3470	319	1	of	of	ADP
fsr-3470	319	2	course	course	ADV
fsr-3470	319	3	,	,	PUNCT
fsr-3470	319	4	this	this	PRON
fsr-3470	319	5	does	do	AUX
fsr-3470	319	6	not	not	PART
fsr-3470	319	7	mean	mean	VERB
fsr-3470	319	8	that	that	SCONJ
fsr-3470	319	9	the	the	DET
fsr-3470	319	10	respondents	respondent	NOUN
fsr-3470	319	11	believe	believe	VERB
fsr-3470	319	12	they	they	PRON
fsr-3470	319	13	have	have	VERB
fsr-3470	319	14	the	the	DET
fsr-3470	319	15	skills	skill	NOUN
fsr-3470	319	16	to	to	PART
fsr-3470	319	17	successfully	successfully	ADV
fsr-3470	319	18	navigate	navigate	VERB
fsr-3470	319	19	such	such	DET
fsr-3470	319	20	a	a	DET
fsr-3470	319	21	diverse	diverse	ADJ
fsr-3470	319	22	choice	choice	NOUN
fsr-3470	319	23	environment	environment	NOUN
fsr-3470	319	24	,	,	PUNCT
fsr-3470	319	25	and	and	CCONJ
fsr-3470	319	26	in	in	ADP
fsr-3470	319	27	fact	fact	NOUN
fsr-3470	319	28	,	,	PUNCT
fsr-3470	319	29	it	it	PRON
fsr-3470	319	30	is	be	AUX
fsr-3470	319	31	conceivable	conceivable	ADJ
fsr-3470	319	32	that	that	SCONJ
fsr-3470	319	33	investors	investor	NOUN
fsr-3470	319	34	and	and	CCONJ
fsr-3470	319	35	non	non	NOUN
fsr-3470	319	36	-	-	NOUN
fsr-3470	319	37	investors	investor	NOUN
fsr-3470	319	38	may	may	AUX
fsr-3470	319	39	be	be	AUX
fsr-3470	319	40	paralyzed	paralyze	VERB
fsr-3470	319	41	by	by	ADP
fsr-3470	319	42	choice	choice	NOUN
fsr-3470	319	43	(	(	PUNCT
fsr-3470	319	44	e.g.	e.g.	ADV
fsr-3470	319	45	,	,	PUNCT
fsr-3470	319	46	see	see	VERB
fsr-3470	319	47	carvalho	carvalho	PROPN
fsr-3470	319	48	&	&	CCONJ
fsr-3470	319	49	silverman	silverman	PROPN
fsr-3470	319	50	,	,	PUNCT
fsr-3470	319	51	2019	2019	NUM
fsr-3470	319	52	,	,	PUNCT
fsr-3470	319	53	and	and	CCONJ
fsr-3470	319	54	the	the	DET
fsr-3470	319	55	somewhat	somewhat	ADV
fsr-3470	319	56	related	related	ADJ
fsr-3470	319	57	and	and	CCONJ
fsr-3470	319	58	agnew	agnew	PROPN
fsr-3470	319	59	&	&	CCONJ
fsr-3470	319	60	szykman	szykman	PROPN
fsr-3470	319	61	,	,	PUNCT
fsr-3470	319	62	2005	2005	NUM
fsr-3470	319	63	)	)	PUNCT
fsr-3470	319	64	.	.	PUNCT
fsr-3470	320	1	concern	concern	NOUN
fsr-3470	320	2	was	be	AUX
fsr-3470	320	3	reflected	reflect	VERB
fsr-3470	320	4	in	in	ADP
fsr-3470	320	5	cognitive	cognitive	ADJ
fsr-3470	320	6	testing	testing	NOUN
fsr-3470	320	7	conducted	conduct	VERB
fsr-3470	320	8	during	during	ADP
fsr-3470	320	9	the	the	DET
fsr-3470	320	10	refinement	refinement	NOUN
fsr-3470	320	11	of	of	ADP
fsr-3470	320	12	survey	survey	NOUN
fsr-3470	320	13	questions	question	NOUN
fsr-3470	320	14	,	,	PUNCT
fsr-3470	320	15	where	where	SCONJ
fsr-3470	320	16	several	several	ADJ
fsr-3470	320	17	respondents	respondent	NOUN
fsr-3470	320	18	indicated	indicate	VERB
fsr-3470	320	19	that	that	SCONJ
fsr-3470	320	20	choosing	choose	VERB
fsr-3470	320	21	funds	fund	NOUN
fsr-3470	320	22	felt	feel	VERB
fsr-3470	320	23	overwhelming	overwhelming	ADJ
fsr-3470	320	24	(	(	PUNCT
fsr-3470	320	25	e.	e.	PROPN
fsr-3470	320	26	g.	g.	PROPN
fsr-3470	320	27	,	,	PUNCT
fsr-3470	320	28	when	when	SCONJ
fsr-3470	320	29	making	make	VERB
fsr-3470	320	30	choices	choice	NOUN
fsr-3470	320	31	related	relate	VERB
fsr-3470	320	32	to	to	ADP
fsr-3470	320	33	their	their	PRON
fsr-3470	320	34	employer	employer	NOUN
fsr-3470	320	35	-	-	PUNCT
fsr-3470	320	36	sponsored	sponsor	VERB
fsr-3470	320	37	retirement	retirement	NOUN
fsr-3470	320	38	plan	plan	NOUN
fsr-3470	320	39	)	)	PUNCT
fsr-3470	320	40	.	.	PUNCT
fsr-3470	321	1	however	however	ADV
fsr-3470	321	2	,	,	PUNCT
fsr-3470	321	3	these	these	DET
fsr-3470	321	4	responses	response	NOUN
fsr-3470	321	5	at	at	ADP
fsr-3470	321	6	least	least	ADJ
fsr-3470	321	7	suggest	suggest	VERB
fsr-3470	321	8	a	a	DET
fsr-3470	321	9	realization	realization	NOUN
fsr-3470	321	10	that	that	SCONJ
fsr-3470	321	11	alternatives	alternative	NOUN
fsr-3470	321	12	exist	exist	VERB
fsr-3470	321	13	and	and	CCONJ
fsr-3470	321	14	it	it	PRON
fsr-3470	321	15	may	may	AUX
fsr-3470	321	16	be	be	AUX
fsr-3470	321	17	worth	worth	ADJ
fsr-3470	321	18	additional	additional	ADJ
fsr-3470	321	19	search	search	NOUN
fsr-3470	321	20	in	in	ADP
fsr-3470	321	21	the	the	DET
fsr-3470	321	22	marketplace	marketplace	NOUN
fsr-3470	321	23	if	if	SCONJ
fsr-3470	321	24	their	their	PRON
fsr-3470	321	25	satisfaction	satisfaction	NOUN
fsr-3470	321	26	is	be	AUX
fsr-3470	321	27	low	low	ADJ
fsr-3470	321	28	with	with	ADP
fsr-3470	321	29	their	their	PRON
fsr-3470	321	30	current	current	ADJ
fsr-3470	321	31	investment	investment	NOUN
fsr-3470	321	32	mix	mix	NOUN
fsr-3470	321	33	.	.	PUNCT
fsr-3470	322	1	in	in	ADP
fsr-3470	322	2	terms	term	NOUN
fsr-3470	322	3	of	of	ADP
fsr-3470	322	4	risk	risk	NOUN
fsr-3470	322	5	,	,	PUNCT
fsr-3470	322	6	36	36	NUM
fsr-3470	322	7	%	%	NOUN
fsr-3470	322	8	of	of	ADP
fsr-3470	322	9	respondents	respondent	NOUN
fsr-3470	322	10	thought	think	VERB
fsr-3470	322	11	that	that	SCONJ
fsr-3470	322	12	mutual	mutual	ADJ
fsr-3470	322	13	funds	fund	NOUN
fsr-3470	322	14	pay	pay	VERB
fsr-3470	322	15	a	a	DET
fsr-3470	322	16	guaranteed	guarantee	VERB
fsr-3470	322	17	rate	rate	NOUN
fsr-3470	322	18	of	of	ADP
fsr-3470	322	19	return	return	NOUN
fsr-3470	322	20	.	.	PUNCT
fsr-3470	323	1	almost	almost	ADV
fsr-3470	323	2	half	half	NOUN
fsr-3470	323	3	thought	think	VERB
fsr-3470	323	4	that	that	SCONJ
fsr-3470	323	5	it	it	PRON
fsr-3470	323	6	is	be	AUX
fsr-3470	323	7	not	not	PART
fsr-3470	323	8	possible	possible	ADJ
fsr-3470	323	9	to	to	PART
fsr-3470	323	10	lose	lose	VERB
fsr-3470	323	11	money	money	NOUN
fsr-3470	323	12	in	in	ADP
fsr-3470	323	13	a	a	DET
fsr-3470	323	14	bond	bond	NOUN
fsr-3470	323	15	mutual	mutual	ADJ
fsr-3470	323	16	fund	fund	NOUN
fsr-3470	323	17	(	(	PUNCT
fsr-3470	323	18	45	45	NUM
fsr-3470	323	19	%	%	NOUN
fsr-3470	323	20	)	)	PUNCT
fsr-3470	323	21	,	,	PUNCT
fsr-3470	323	22	although	although	SCONJ
fsr-3470	323	23	more	more	ADJ
fsr-3470	323	24	than	than	ADP
fsr-3470	323	25	three	three	NUM
fsr-3470	323	26	-	-	PUNCT
fsr-3470	323	27	quarters	quarter	NOUN
fsr-3470	323	28	(	(	PUNCT
fsr-3470	323	29	81	81	NUM
fsr-3470	323	30	%	%	NOUN
fsr-3470	323	31	)	)	PUNCT
fsr-3470	323	32	did	do	AUX
fsr-3470	323	33	recognize	recognize	VERB
fsr-3470	323	34	that	that	SCONJ
fsr-3470	323	35	one	one	PRON
fsr-3470	323	36	could	could	AUX
fsr-3470	323	37	lose	lose	VERB
fsr-3470	323	38	money	money	NOUN
fsr-3470	323	39	in	in	ADP
fsr-3470	323	40	a	a	DET
fsr-3470	323	41	stock	stock	NOUN
fsr-3470	323	42	mutual	mutual	ADJ
fsr-3470	323	43	fund	fund	NOUN
fsr-3470	323	44	.	.	PUNCT
fsr-3470	324	1	in	in	ADP
fsr-3470	324	2	addition	addition	NOUN
fsr-3470	324	3	,	,	PUNCT
fsr-3470	324	4	one	one	NUM
fsr-3470	324	5	-	-	PUNCT
fsr-3470	324	6	third	third	NOUN
fsr-3470	324	7	(	(	PUNCT
fsr-3470	324	8	32	32	NUM
fsr-3470	324	9	%	%	NOUN
fsr-3470	324	10	)	)	PUNCT
fsr-3470	324	11	thought	think	VERB
fsr-3470	324	12	that	that	SCONJ
fsr-3470	324	13	mutual	mutual	ADJ
fsr-3470	324	14	funds	fund	NOUN
fsr-3470	324	15	that	that	PRON
fsr-3470	324	16	are	be	AUX
fsr-3470	324	17	registered	register	VERB
fsr-3470	324	18	with	with	ADP
fsr-3470	324	19	the	the	DET
fsr-3470	324	20	sec	sec	PROPN
fsr-3470	324	21	or	or	CCONJ
fsr-3470	324	22	a	a	DET
fsr-3470	324	23	state	state	NOUN
fsr-3470	324	24	regulator	regulator	NOUN
fsr-3470	324	25	can	can	AUX
fsr-3470	324	26	not	not	PART
fsr-3470	324	27	lose	lose	VERB
fsr-3470	324	28	money	money	NOUN
fsr-3470	324	29	.	.	PUNCT
fsr-3470	325	1	overall	overall	ADV
fsr-3470	325	2	,	,	PUNCT
fsr-3470	325	3	these	these	DET
fsr-3470	325	4	results	result	NOUN
fsr-3470	325	5	suggest	suggest	VERB
fsr-3470	325	6	very	very	ADV
fsr-3470	325	7	little	little	ADJ
fsr-3470	325	8	understanding	understanding	NOUN
fsr-3470	325	9	of	of	ADP
fsr-3470	325	10	mutual	mutual	ADJ
fsr-3470	325	11	fund	fund	NOUN
fsr-3470	325	12	risk	risk	NOUN
fsr-3470	325	13	.	.	PUNCT
fsr-3470	326	1	despite	despite	SCONJ
fsr-3470	326	2	the	the	DET
fsr-3470	326	3	warning	warning	NOUN
fsr-3470	326	4	label	label	NOUN
fsr-3470	326	5	offered	offer	VERB
fsr-3470	326	6	on	on	ADP
fsr-3470	326	7	mutual	mutual	ADJ
fsr-3470	326	8	fund	fund	NOUN
fsr-3470	326	9	product	product	NOUN
fsr-3470	326	10	documents	document	NOUN
fsr-3470	326	11	,	,	PUNCT
fsr-3470	326	12	nearly	nearly	ADV
fsr-3470	326	13	two	two	NUM
fsr-3470	326	14	-	-	PUNCT
fsr-3470	326	15	thirds	third	NOUN
fsr-3470	326	16	(	(	PUNCT
fsr-3470	326	17	67	67	NUM
fsr-3470	326	18	%	%	NOUN
fsr-3470	326	19	)	)	PUNCT
fsr-3470	326	20	indicated	indicate	VERB
fsr-3470	326	21	that	that	SCONJ
fsr-3470	326	22	past	past	ADJ
fsr-3470	326	23	performance	performance	NOUN
fsr-3470	326	24	is	be	AUX
fsr-3470	326	25	a	a	DET
fsr-3470	326	26	good	good	ADJ
fsr-3470	326	27	predictor	predictor	NOUN
fsr-3470	326	28	of	of	ADP
fsr-3470	326	29	future	future	ADJ
fsr-3470	326	30	performance.14	performance.14	PROPN
fsr-3470	326	31	the	the	DET
fsr-3470	326	32	extant	extant	ADJ
fsr-3470	326	33	literature	literature	NOUN
fsr-3470	326	34	is	be	AUX
fsr-3470	326	35	not	not	PART
fsr-3470	326	36	supportive	supportive	ADJ
fsr-3470	326	37	of	of	ADP
fsr-3470	326	38	this	this	DET
fsr-3470	326	39	view	view	NOUN
fsr-3470	326	40	(	(	PUNCT
fsr-3470	326	41	e.g.	e.g.	ADJ
fsr-3470	326	42	,	,	PUNCT
fsr-3470	326	43	brown	brown	PROPN
fsr-3470	326	44	&	&	CCONJ
fsr-3470	326	45	goetzmann	goetzmann	PROPN
fsr-3470	326	46	,	,	PUNCT
fsr-3470	326	47	1995	1995	NUM
fsr-3470	326	48	;	;	PUNCT
fsr-3470	326	49	carhart	carhart	NOUN
fsr-3470	326	50	,	,	PUNCT
fsr-3470	326	51	1997	1997	NUM
fsr-3470	326	52	;	;	PUNCT
fsr-3470	326	53	goetzmann	goetzmann	PROPN
fsr-3470	326	54	&	&	CCONJ
fsr-3470	326	55	ibbotson	ibbotson	PROPN
fsr-3470	326	56	,	,	PUNCT
fsr-3470	326	57	1994	1994	NUM
fsr-3470	326	58	;	;	PUNCT
fsr-3470	326	59	malkiel	malkiel	PROPN
fsr-3470	326	60	,	,	PUNCT
fsr-3470	326	61	1995).15	1995).15	PROPN
fsr-3470	326	62	fee	fee	NOUN
fsr-3470	326	63	questions	question	NOUN
fsr-3470	326	64	were	be	AUX
fsr-3470	326	65	constructed	construct	VERB
fsr-3470	326	66	to	to	PART
fsr-3470	326	67	be	be	AUX
fsr-3470	326	68	slightly	slightly	ADV
fsr-3470	326	69	more	more	ADV
fsr-3470	326	70	technical	technical	ADJ
fsr-3470	326	71	than	than	ADP
fsr-3470	326	72	risk	risk	NOUN
fsr-3470	326	73	questions	question	NOUN
fsr-3470	326	74	,	,	PUNCT
fsr-3470	326	75	with	with	ADP
fsr-3470	326	76	correct	correct	ADJ
fsr-3470	326	77	responses	response	NOUN
fsr-3470	326	78	that	that	PRON
fsr-3470	326	79	may	may	AUX
fsr-3470	326	80	require	require	VERB
fsr-3470	326	81	knowledge	knowledge	NOUN
fsr-3470	326	82	that	that	PRON
fsr-3470	326	83	is	be	AUX
fsr-3470	326	84	more	more	ADV
fsr-3470	326	85	specialized	specialized	ADJ
fsr-3470	326	86	to	to	ADP
fsr-3470	326	87	mutual	mutual	ADJ
fsr-3470	326	88	fund	fund	NOUN
fsr-3470	326	89	products	product	NOUN
fsr-3470	326	90	;	;	PUNCT
fsr-3470	326	91	at	at	ADP
fsr-3470	326	92	the	the	DET
fsr-3470	326	93	same	same	ADJ
fsr-3470	326	94	time	time	NOUN
fsr-3470	326	95	,	,	PUNCT
fsr-3470	326	96	these	these	DET
fsr-3470	326	97	questions	question	NOUN
fsr-3470	326	98	are	be	AUX
fsr-3470	326	99	germane	germane	ADJ
fsr-3470	326	100	in	in	ADP
fsr-3470	326	101	the	the	DET
fsr-3470	326	102	context	context	NOUN
fsr-3470	326	103	of	of	ADP
fsr-3470	326	104	mutual	mutual	ADJ
fsr-3470	326	105	fund	fund	NOUN
fsr-3470	326	106	choice	choice	NOUN
fsr-3470	326	107	problems	problem	NOUN
fsr-3470	326	108	given	give	VERB
fsr-3470	326	109	the	the	DET
fsr-3470	326	110	importance	importance	NOUN
fsr-3470	326	111	of	of	ADP
fsr-3470	326	112	fees	fee	NOUN
fsr-3470	326	113	in	in	ADP
fsr-3470	326	114	determining	determine	VERB
fsr-3470	326	115	net	net	ADJ
fsr-3470	326	116	returns	return	NOUN
fsr-3470	326	117	.	.	PUNCT
fsr-3470	327	1	only	only	ADV
fsr-3470	327	2	a	a	DET
fsr-3470	327	3	quarter	quarter	NOUN
fsr-3470	327	4	(	(	PUNCT
fsr-3470	327	5	24	24	NUM
fsr-3470	327	6	%	%	NOUN
fsr-3470	327	7	)	)	PUNCT
fsr-3470	327	8	of	of	ADP
fsr-3470	327	9	respondents	respondent	NOUN
fsr-3470	327	10	correctly	correctly	ADV
fsr-3470	327	11	stated	state	VERB
fsr-3470	327	12	that	that	SCONJ
fsr-3470	327	13	no	no	DET
fsr-3470	327	14	-	-	PUNCT
fsr-3470	327	15	load	load	NOUN
fsr-3470	327	16	mutual	mutual	ADJ
fsr-3470	327	17	funds	fund	NOUN
fsr-3470	327	18	charge	charge	VERB
fsr-3470	327	19	yearly	yearly	ADJ
fsr-3470	327	20	expenses	expense	NOUN
fsr-3470	327	21	(	(	PUNCT
fsr-3470	327	22	as	as	SCONJ
fsr-3470	327	23	would	would	AUX
fsr-3470	327	24	be	be	AUX
fsr-3470	327	25	reflected	reflect	VERB
fsr-3470	327	26	in	in	ADP
fsr-3470	327	27	the	the	DET
fsr-3470	327	28	fund	fund	NOUN
fsr-3470	327	29	’s	’s	PART
fsr-3470	327	30	expense	expense	NOUN
fsr-3470	327	31	ratio	ratio	NOUN
fsr-3470	327	32	)	)	PUNCT
fsr-3470	327	33	,	,	PUNCT
fsr-3470	327	34	perhaps	perhaps	ADV
fsr-3470	327	35	indicating	indicate	VERB
fsr-3470	327	36	a	a	DET
fsr-3470	327	37	lack	lack	NOUN
fsr-3470	327	38	of	of	ADP
fsr-3470	327	39	understanding	understanding	NOUN
fsr-3470	327	40	of	of	ADP
fsr-3470	327	41	the	the	DET
fsr-3470	327	42	term	term	NOUN
fsr-3470	327	43	load	load	NOUN
fsr-3470	327	44	,	,	PUNCT
fsr-3470	327	45	which	which	PRON
fsr-3470	327	46	refers	refer	VERB
fsr-3470	327	47	to	to	ADP
fsr-3470	327	48	a	a	DET
fsr-3470	327	49	sales	sale	NOUN
fsr-3470	327	50	charge	charge	NOUN
fsr-3470	327	51	.	.	PUNCT
fsr-3470	328	1	only	only	ADV
fsr-3470	328	2	16	16	NUM
fsr-3470	328	3	%	%	NOUN
fsr-3470	328	4	correctly	correctly	ADV
fsr-3470	328	5	identified	identify	VERB
fsr-3470	328	6	that	that	SCONJ
fsr-3470	328	7	a	a	DET
fsr-3470	328	8	load	load	NOUN
fsr-3470	328	9	is	be	AUX
fsr-3470	328	10	not	not	PART
fsr-3470	328	11	confined	confine	VERB
fsr-3470	328	12	to	to	ADP
fsr-3470	328	13	the	the	DET
fsr-3470	328	14	point	point	NOUN
fsr-3470	328	15	of	of	ADP
fsr-3470	328	16	purchase	purchase	NOUN
fsr-3470	328	17	(	(	PUNCT
fsr-3470	328	18	“	"	PUNCT
fsr-3470	328	19	front	front	ADJ
fsr-3470	328	20	-	-	PUNCT
fsr-3470	328	21	load	load	NOUN
fsr-3470	328	22	”	"	PUNCT
fsr-3470	328	23	)	)	PUNCT
fsr-3470	328	24	,	,	PUNCT
fsr-3470	328	25	which	which	PRON
fsr-3470	328	26	sales	sale	NOUN
fsr-3470	328	27	loads	load	VERB
fsr-3470	328	28	(	(	PUNCT
fsr-3470	328	29	“	"	PUNCT
fsr-3470	328	30	back	back	ADJ
fsr-3470	328	31	-	-	PUNCT
fsr-3470	328	32	loads	load	NOUN
fsr-3470	328	33	”	"	PUNCT
fsr-3470	328	34	)	)	PUNCT
fsr-3470	328	35	exist	exist	VERB
fsr-3470	328	36	.	.	PUNCT
fsr-3470	329	1	seventy	seventy	NUM
fsr-3470	329	2	-	-	PUNCT
fsr-3470	329	3	eight	eight	NUM
fsr-3470	329	4	percent	percent	NOUN
fsr-3470	329	5	erroneously	erroneously	ADV
fsr-3470	329	6	believed	believe	VERB
fsr-3470	329	7	that	that	SCONJ
fsr-3470	329	8	fees	fee	NOUN
fsr-3470	329	9	are	be	AUX
fsr-3470	329	10	capped	cap	VERB
fsr-3470	329	11	at	at	ADP
fsr-3470	329	12	a	a	DET
fsr-3470	329	13	maximum	maximum	ADJ
fsr-3470	329	14	level	level	NOUN
fsr-3470	329	15	by	by	ADP
fsr-3470	329	16	regulatory	regulatory	ADJ
fsr-3470	329	17	authorities	authority	NOUN
fsr-3470	329	18	.	.	PUNCT
fsr-3470	330	1	three	three	NUM
fsr-3470	330	2	-	-	PUNCT
fsr-3470	330	3	fifths	fifth	NOUN
fsr-3470	330	4	(	(	PUNCT
fsr-3470	330	5	60	60	NUM
fsr-3470	330	6	%	%	NOUN
fsr-3470	330	7	)	)	PUNCT
fsr-3470	330	8	indicated	indicate	VERB
fsr-3470	330	9	that	that	SCONJ
fsr-3470	330	10	fund	fund	NOUN
fsr-3470	330	11	fees	fee	NOUN
fsr-3470	330	12	need	need	VERB
fsr-3470	330	13	to	to	PART
fsr-3470	330	14	be	be	AUX
fsr-3470	330	15	reported	report	VERB
fsr-3470	330	16	in	in	ADP
fsr-3470	330	17	the	the	DET
fsr-3470	330	18	fund	fund	NOUN
fsr-3470	330	19	’s	’s	PART
fsr-3470	330	20	prospectus	prospectus	NOUN
fsr-3470	330	21	.	.	PUNCT
fsr-3470	331	1	b.	b.	PROPN
fsr-3470	331	2	scholl	scholl	PROPN
fsr-3470	331	3	and	and	CCONJ
fsr-3470	331	4	a.	a.	NOUN
fsr-3470	331	5	fontes	fontes	PROPN
fsr-3470	331	6	/	/	SYM
fsr-3470	331	7	financial	financial	ADJ
fsr-3470	331	8	services	service	NOUN
fsr-3470	331	9	review	review	VERB
fsr-3470	331	10	30	30	NUM
fsr-3470	331	11	(	(	PUNCT
fsr-3470	331	12	2022	2022	NUM
fsr-3470	331	13	)	)	PUNCT
fsr-3470	332	1	31–56	31–56	NUM
fsr-3470	332	2	43	43	NUM
fsr-3470	333	1	perhaps	perhaps	ADV
fsr-3470	333	2	most	most	ADV
fsr-3470	333	3	disheartening	disheartening	NOUN
fsr-3470	333	4	is	be	AUX
fsr-3470	333	5	that	that	SCONJ
fsr-3470	333	6	only	only	ADV
fsr-3470	333	7	14	14	NUM
fsr-3470	333	8	%	%	NOUN
fsr-3470	333	9	correctly	correctly	ADV
fsr-3470	333	10	identified	identify	VERB
fsr-3470	333	11	our	our	PRON
fsr-3470	333	12	conceptual	conceptual	ADJ
fsr-3470	333	13	fee	fee	NOUN
fsr-3470	333	14	computation	computation	NOUN
fsr-3470	333	15	question	question	NOUN
fsr-3470	333	16	as	as	ADP
fsr-3470	333	17	false	false	ADJ
fsr-3470	333	18	.	.	PUNCT
fsr-3470	334	1	the	the	DET
fsr-3470	334	2	fee	fee	NOUN
fsr-3470	334	3	computation	computation	NOUN
fsr-3470	334	4	question	question	NOUN
fsr-3470	334	5	was	be	AUX
fsr-3470	334	6	intended	intend	VERB
fsr-3470	334	7	to	to	PART
fsr-3470	334	8	identify	identify	VERB
fsr-3470	334	9	if	if	SCONJ
fsr-3470	334	10	respondents	respondent	NOUN
fsr-3470	334	11	understood	understand	VERB
fsr-3470	334	12	that	that	SCONJ
fsr-3470	334	13	fees	fee	NOUN
fsr-3470	334	14	are	be	AUX
fsr-3470	334	15	computed	compute	VERB
fsr-3470	334	16	based	base	VERB
fsr-3470	334	17	on	on	ADP
fsr-3470	334	18	total	total	ADJ
fsr-3470	334	19	account	account	NOUN
fsr-3470	334	20	balance	balance	NOUN
fsr-3470	334	21	rather	rather	ADV
fsr-3470	334	22	than	than	ADP
fsr-3470	334	23	on	on	ADP
fsr-3470	334	24	the	the	DET
fsr-3470	334	25	basis	basis	NOUN
fsr-3470	334	26	of	of	ADP
fsr-3470	334	27	investment	investment	NOUN
fsr-3470	334	28	returns	return	NOUN
fsr-3470	334	29	.	.	PUNCT
fsr-3470	335	1	this	this	DET
fsr-3470	335	2	observation	observation	NOUN
fsr-3470	335	3	arose	arise	VERB
fsr-3470	335	4	in	in	ADP
fsr-3470	335	5	cognitive	cognitive	ADJ
fsr-3470	335	6	interviews	interview	NOUN
fsr-3470	335	7	that	that	PRON
fsr-3470	335	8	revealed	reveal	VERB
fsr-3470	335	9	that	that	SCONJ
fsr-3470	335	10	some	some	DET
fsr-3470	335	11	individuals	individual	NOUN
fsr-3470	335	12	believed	believe	VERB
fsr-3470	335	13	that	that	SCONJ
fsr-3470	335	14	the	the	DET
fsr-3470	335	15	fee	fee	NOUN
fsr-3470	335	16	basis	basis	NOUN
fsr-3470	335	17	is	be	AUX
fsr-3470	335	18	the	the	DET
fsr-3470	335	19	much	much	ADV
fsr-3470	335	20	lower	low	ADJ
fsr-3470	335	21	level	level	NOUN
fsr-3470	335	22	(	(	PUNCT
fsr-3470	335	23	investment	investment	NOUN
fsr-3470	335	24	gain	gain	NOUN
fsr-3470	335	25	)	)	PUNCT
fsr-3470	335	26	than	than	SCONJ
fsr-3470	335	27	it	it	PRON
fsr-3470	335	28	actually	actually	ADV
fsr-3470	335	29	is	be	AUX
fsr-3470	335	30	in	in	ADP
fsr-3470	335	31	practice	practice	NOUN
fsr-3470	335	32	(	(	PUNCT
fsr-3470	335	33	total	total	ADJ
fsr-3470	335	34	balance	balance	NOUN
fsr-3470	335	35	)	)	PUNCT
fsr-3470	335	36	,	,	PUNCT
fsr-3470	335	37	and	and	CCONJ
fsr-3470	335	38	the	the	DET
fsr-3470	335	39	possibility	possibility	NOUN
fsr-3470	335	40	that	that	SCONJ
fsr-3470	335	41	some	some	DET
fsr-3470	335	42	investors	investor	NOUN
fsr-3470	335	43	believe	believe	VERB
fsr-3470	335	44	that	that	SCONJ
fsr-3470	335	45	fees	fee	NOUN
fsr-3470	335	46	are	be	AUX
fsr-3470	335	47	not	not	PART
fsr-3470	335	48	accrued	accrue	VERB
fsr-3470	335	49	if	if	SCONJ
fsr-3470	335	50	the	the	DET
fsr-3470	335	51	fund	fund	NOUN
fsr-3470	335	52	has	have	VERB
fsr-3470	335	53	negative	negative	ADJ
fsr-3470	335	54	performance	performance	NOUN
fsr-3470	335	55	in	in	ADP
fsr-3470	335	56	a	a	DET
fsr-3470	335	57	given	give	VERB
fsr-3470	335	58	period	period	NOUN
fsr-3470	335	59	.	.	PUNCT
fsr-3470	336	1	respondents	respondent	NOUN
fsr-3470	336	2	overwhelmingly	overwhelmingly	ADV
fsr-3470	336	3	indicated	indicate	VERB
fsr-3470	336	4	that	that	SCONJ
fsr-3470	336	5	they	they	PRON
fsr-3470	336	6	implicitly	implicitly	ADV
fsr-3470	336	7	believe	believe	VERB
fsr-3470	336	8	that	that	SCONJ
fsr-3470	336	9	mutual	mutual	ADJ
fsr-3470	336	10	fund	fund	NOUN
fsr-3470	336	11	fees	fee	NOUN
fsr-3470	336	12	are	be	AUX
fsr-3470	336	13	much	much	ADV
fsr-3470	336	14	lower	low	ADJ
fsr-3470	336	15	than	than	SCONJ
fsr-3470	336	16	they	they	PRON
fsr-3470	336	17	really	really	ADV
fsr-3470	336	18	are	be	AUX
fsr-3470	336	19	,	,	PUNCT
fsr-3470	336	20	perhaps	perhaps	ADV
fsr-3470	336	21	giving	give	VERB
fsr-3470	336	22	insight	insight	NOUN
fsr-3470	336	23	to	to	ADP
fsr-3470	336	24	the	the	DET
fsr-3470	336	25	bhattacharya	bhattacharya	PROPN
fsr-3470	336	26	et	et	PROPN
fsr-3470	336	27	al	al	PROPN
fsr-3470	336	28	.	.	PROPN
fsr-3470	337	1	(	(	PUNCT
fsr-3470	337	2	2017	2017	NUM
fsr-3470	337	3	)	)	PUNCT
fsr-3470	337	4	results	result	NOUN
fsr-3470	337	5	.	.	PUNCT
fsr-3470	338	1	4.2	4.2	NUM
fsr-3470	338	2	.	.	PUNCT
fsr-3470	339	1	cumulative	cumulative	ADJ
fsr-3470	339	2	index	index	NOUN
fsr-3470	339	3	scores	score	NOUN
fsr-3470	339	4	summing	sum	VERB
fsr-3470	339	5	correct	correct	ADJ
fsr-3470	339	6	responses	response	NOUN
fsr-3470	339	7	provides	provide	VERB
fsr-3470	339	8	a	a	DET
fsr-3470	339	9	composite	composite	ADJ
fsr-3470	339	10	score	score	NOUN
fsr-3470	339	11	of	of	ADP
fsr-3470	339	12	the	the	DET
fsr-3470	339	13	extent	extent	NOUN
fsr-3470	339	14	of	of	ADP
fsr-3470	339	15	a	a	DET
fsr-3470	339	16	respondent	respondent	NOUN
fsr-3470	339	17	’s	’s	PART
fsr-3470	339	18	knowledge	knowledge	NOUN
fsr-3470	339	19	about	about	ADP
fsr-3470	339	20	mutual	mutual	ADJ
fsr-3470	339	21	funds	fund	NOUN
fsr-3470	339	22	,	,	PUNCT
fsr-3470	339	23	as	as	ADV
fsr-3470	339	24	well	well	ADV
fsr-3470	339	25	as	as	ADP
fsr-3470	339	26	a	a	DET
fsr-3470	339	27	general	general	ADJ
fsr-3470	339	28	perspective	perspective	NOUN
fsr-3470	339	29	on	on	ADP
fsr-3470	339	30	aggregate	aggregate	ADJ
fsr-3470	339	31	knowledge	knowledge	NOUN
fsr-3470	339	32	of	of	ADP
fsr-3470	339	33	the	the	DET
fsr-3470	339	34	public	public	NOUN
fsr-3470	339	35	.	.	PUNCT
fsr-3470	340	1	fig	fig	NOUN
fsr-3470	340	2	.	.	PUNCT
fsr-3470	341	1	1	1	NUM
fsr-3470	341	2	presents	present	VERB
fsr-3470	341	3	the	the	DET
fsr-3470	341	4	distribution	distribution	NOUN
fsr-3470	341	5	of	of	ADP
fsr-3470	341	6	index	index	NOUN
fsr-3470	341	7	performance	performance	NOUN
fsr-3470	341	8	as	as	ADP
fsr-3470	341	9	the	the	DET
fsr-3470	341	10	sum	sum	NOUN
fsr-3470	341	11	of	of	ADP
fsr-3470	341	12	correct	correct	ADJ
fsr-3470	341	13	responses	response	NOUN
fsr-3470	341	14	.	.	PUNCT
fsr-3470	342	1	fig	fig	NOUN
fsr-3470	342	2	.	.	PUNCT
fsr-3470	343	1	2	2	NUM
fsr-3470	343	2	presents	present	VERB
fsr-3470	343	3	the	the	DET
fsr-3470	343	4	cumulative	cumulative	ADJ
fsr-3470	343	5	distribution	distribution	NOUN
fsr-3470	343	6	of	of	ADP
fsr-3470	343	7	correct	correct	ADJ
fsr-3470	343	8	responses	response	NOUN
fsr-3470	343	9	.	.	PUNCT
fsr-3470	344	1	blue	blue	ADJ
fsr-3470	344	2	vertical	vertical	ADJ
fsr-3470	344	3	lines	line	NOUN
fsr-3470	344	4	denote	denote	VERB
fsr-3470	344	5	the	the	DET
fsr-3470	344	6	expected	expect	VERB
fsr-3470	344	7	value	value	NOUN
fsr-3470	344	8	from	from	ADP
fsr-3470	344	9	coin	coin	NOUN
fsr-3470	344	10	tossing	toss	VERB
fsr-3470	344	11	true	true	ADJ
fsr-3470	344	12	-	-	PUNCT
fsr-3470	344	13	false	false	ADJ
fsr-3470	344	14	responses	response	NOUN
fsr-3470	344	15	(	(	PUNCT
fsr-3470	344	16	5.5	5.5	NUM
fsr-3470	344	17	)	)	PUNCT
fsr-3470	344	18	.	.	PUNCT
fsr-3470	345	1	overall	overall	ADJ
fsr-3470	345	2	performance	performance	NOUN
fsr-3470	345	3	in	in	ADP
fsr-3470	345	4	the	the	DET
fsr-3470	345	5	literacy	literacy	NOUN
fsr-3470	345	6	index	index	NOUN
fsr-3470	345	7	is	be	AUX
fsr-3470	345	8	poor	poor	ADJ
fsr-3470	345	9	.	.	PUNCT
fsr-3470	346	1	the	the	DET
fsr-3470	346	2	average	average	ADJ
fsr-3470	346	3	respondent	respondent	NOUN
fsr-3470	346	4	score	score	NOUN
fsr-3470	346	5	was	be	AUX
fsr-3470	346	6	5.1	5.1	NUM
fsr-3470	346	7	,	,	PUNCT
fsr-3470	346	8	with	with	ADP
fsr-3470	346	9	a	a	DET
fsr-3470	346	10	median	median	ADJ
fsr-3470	346	11	score	score	NOUN
fsr-3470	346	12	of	of	ADP
fsr-3470	346	13	5.0	5.0	NUM
fsr-3470	346	14	(	(	PUNCT
fsr-3470	346	15	table	table	NOUN
fsr-3470	346	16	2a	2a	NUM
fsr-3470	346	17	,	,	PUNCT
fsr-3470	346	18	panel	panel	NOUN
fsr-3470	346	19	a	a	PRON
fsr-3470	346	20	)	)	PUNCT
fsr-3470	346	21	.	.	PUNCT
fsr-3470	347	1	in	in	ADP
fsr-3470	347	2	fig	fig	NOUN
fsr-3470	347	3	.	.	PUNCT
fsr-3470	348	1	1	1	NUM
fsr-3470	348	2	,	,	PUNCT
fsr-3470	348	3	52.2	52.2	NUM
fsr-3470	348	4	%	%	NOUN
fsr-3470	348	5	of	of	ADP
fsr-3470	348	6	the	the	DET
fsr-3470	348	7	sample	sample	NOUN
fsr-3470	348	8	answered	answer	VERB
fsr-3470	348	9	less	less	ADJ
fsr-3470	348	10	than	than	ADP
fsr-3470	348	11	six	six	NUM
fsr-3470	348	12	questions	question	NOUN
fsr-3470	348	13	correctly	correctly	ADV
fsr-3470	348	14	;	;	PUNCT
fsr-3470	348	15	13.2	13.2	NUM
fsr-3470	348	16	%	%	NOUN
fsr-3470	348	17	answered	answer	VERB
fsr-3470	348	18	less	less	ADJ
fsr-3470	348	19	than	than	ADP
fsr-3470	348	20	two	two	NUM
fsr-3470	348	21	questions	question	NOUN
fsr-3470	348	22	correctly	correctly	ADV
fsr-3470	348	23	.	.	PUNCT
fsr-3470	349	1	only	only	ADV
fsr-3470	349	2	11.3	11.3	NUM
fsr-3470	349	3	%	%	NOUN
fsr-3470	349	4	answered	answer	VERB
fsr-3470	349	5	at	at	ADP
fsr-3470	349	6	least	least	ADV
fsr-3470	349	7	nine	nine	NUM
fsr-3470	349	8	questions	question	NOUN
fsr-3470	349	9	correctly	correctly	ADV
fsr-3470	349	10	.	.	PUNCT
fsr-3470	350	1	average	average	ADJ
fsr-3470	350	2	results	result	NOUN
fsr-3470	350	3	in	in	ADP
fsr-3470	350	4	particular	particular	ADJ
fsr-3470	350	5	groups	group	NOUN
fsr-3470	350	6	roughly	roughly	ADV
fsr-3470	350	7	align	align	VERB
fsr-3470	350	8	with	with	ADP
fsr-3470	350	9	expectations	expectation	NOUN
fsr-3470	350	10	,	,	PUNCT
fsr-3470	350	11	but	but	CCONJ
fsr-3470	350	12	highlight	highlight	VERB
fsr-3470	350	13	additional	additional	ADJ
fsr-3470	350	14	deficiencies	deficiency	NOUN
fsr-3470	350	15	.	.	PUNCT
fsr-3470	351	1	in	in	ADP
fsr-3470	351	2	panel	panel	NOUN
fsr-3470	351	3	b	b	PROPN
fsr-3470	351	4	,	,	PUNCT
fsr-3470	351	5	average	average	ADJ
fsr-3470	351	6	scores	score	NOUN
fsr-3470	351	7	for	for	ADP
fsr-3470	351	8	those	those	PRON
fsr-3470	351	9	with	with	ADP
fsr-3470	351	10	the	the	DET
fsr-3470	351	11	highest	high	ADJ
fsr-3470	351	12	score	score	NOUN
fsr-3470	351	13	on	on	ADP
fsr-3470	351	14	general	general	ADJ
fsr-3470	351	15	financial	financial	ADJ
fsr-3470	351	16	literacy	literacy	NOUN
fsr-3470	351	17	(	(	PUNCT
fsr-3470	351	18	all	all	DET
fsr-3470	351	19	three	three	NUM
fsr-3470	351	20	“	"	PUNCT
fsr-3470	351	21	big	big	ADJ
fsr-3470	351	22	3	3	NUM
fsr-3470	351	23	”	"	PUNCT
fsr-3470	351	24	questions	question	NOUN
fsr-3470	351	25	answered	answer	VERB
fsr-3470	351	26	correct	correct	ADJ
fsr-3470	351	27	)	)	PUNCT
fsr-3470	351	28	and	and	CCONJ
fsr-3470	351	29	low	low	ADJ
fsr-3470	351	30	general	general	ADJ
fsr-3470	351	31	financial	financial	ADJ
fsr-3470	351	32	literacy	literacy	NOUN
fsr-3470	351	33	(	(	PUNCT
fsr-3470	351	34	no	no	DET
fsr-3470	351	35	“	"	PUNCT
fsr-3470	351	36	big	big	ADJ
fsr-3470	351	37	3	3	NUM
fsr-3470	351	38	”	"	PUNCT
fsr-3470	351	39	questions	question	NOUN
fsr-3470	351	40	answered	answer	VERB
fsr-3470	351	41	correctly	correctly	ADV
fsr-3470	351	42	)	)	PUNCT
fsr-3470	351	43	,	,	PUNCT
fsr-3470	351	44	align	align	VERB
fsr-3470	351	45	with	with	ADP
fsr-3470	351	46	expectations	expectation	NOUN
fsr-3470	351	47	to	to	ADP
fsr-3470	351	48	a	a	DET
fsr-3470	351	49	certain	certain	ADJ
fsr-3470	351	50	degree	degree	NOUN
fsr-3470	351	51	.	.	PUNCT
fsr-3470	352	1	the	the	DET
fsr-3470	352	2	few	few	ADJ
fsr-3470	352	3	respondents	respondent	NOUN
fsr-3470	352	4	(	(	PUNCT
fsr-3470	352	5	n	n	NOUN
fsr-3470	352	6	=	=	SYM
fsr-3470	352	7	74	74	NUM
fsr-3470	352	8	)	)	PUNCT
fsr-3470	352	9	that	that	PRON
fsr-3470	352	10	failed	fail	VERB
fsr-3470	352	11	to	to	PART
fsr-3470	352	12	correctly	correctly	ADV
fsr-3470	352	13	answer	answer	VERB
fsr-3470	352	14	any	any	PRON
fsr-3470	352	15	of	of	ADP
fsr-3470	352	16	the	the	DET
fsr-3470	352	17	generalized	generalized	ADJ
fsr-3470	352	18	fig	fig	NOUN
fsr-3470	352	19	.	.	PUNCT
fsr-3470	353	1	1	1	X
fsr-3470	353	2	.	.	X
fsr-3470	353	3	mutual	mutual	ADJ
fsr-3470	353	4	fund	fund	NOUN
fsr-3470	353	5	knowledge	knowledge	NOUN
fsr-3470	353	6	score	score	NOUN
fsr-3470	353	7	distribution	distribution	NOUN
fsr-3470	353	8	.	.	PUNCT
fsr-3470	354	1	44	44	NUM
fsr-3470	354	2	b.	b.	PROPN
fsr-3470	354	3	scholl	scholl	PROPN
fsr-3470	354	4	and	and	CCONJ
fsr-3470	354	5	a.	a.	NOUN
fsr-3470	354	6	fontes	fontes	PROPN
fsr-3470	354	7	/	/	SYM
fsr-3470	354	8	financial	financial	ADJ
fsr-3470	354	9	services	service	NOUN
fsr-3470	354	10	review	review	VERB
fsr-3470	354	11	30	30	NUM
fsr-3470	354	12	(	(	PUNCT
fsr-3470	354	13	2022	2022	NUM
fsr-3470	354	14	)	)	PUNCT
fsr-3470	354	15	31–56	31–56	NUM
fsr-3470	354	16	financial	financial	ADJ
fsr-3470	354	17	literacy	literacy	NOUN
fsr-3470	354	18	questions	question	NOUN
fsr-3470	354	19	correctly	correctly	ADV
fsr-3470	354	20	,	,	PUNCT
fsr-3470	354	21	answered	answer	VERB
fsr-3470	354	22	less	less	ADJ
fsr-3470	354	23	than	than	ADP
fsr-3470	354	24	three	three	NUM
fsr-3470	354	25	mutual	mutual	ADJ
fsr-3470	354	26	fund	fund	NOUN
fsr-3470	354	27	knowledge	knowledge	NOUN
fsr-3470	354	28	questions	question	NOUN
fsr-3470	354	29	correctly	correctly	ADV
fsr-3470	354	30	,	,	PUNCT
fsr-3470	354	31	on	on	ADP
fsr-3470	354	32	average	average	ADJ
fsr-3470	354	33	.	.	PUNCT
fsr-3470	355	1	high	high	ADJ
fsr-3470	355	2	financial	financial	ADJ
fsr-3470	355	3	literacy	literacy	NOUN
fsr-3470	355	4	score	score	NOUN
fsr-3470	355	5	respondents	respondent	NOUN
fsr-3470	355	6	(	(	PUNCT
fsr-3470	355	7	n	n	NOUN
fsr-3470	355	8	=	=	SYM
fsr-3470	355	9	2,150	2,150	NUM
fsr-3470	355	10	)	)	PUNCT
fsr-3470	355	11	,	,	PUNCT
fsr-3470	355	12	performed	perform	VERB
fsr-3470	355	13	significantly	significantly	ADV
fsr-3470	355	14	better	well	ADV
fsr-3470	355	15	,	,	PUNCT
fsr-3470	355	16	with	with	ADP
fsr-3470	355	17	an	an	DET
fsr-3470	355	18	average	average	NOUN
fsr-3470	355	19	of	of	ADP
fsr-3470	355	20	6.1	6.1	NUM
fsr-3470	355	21	questions	question	NOUN
fsr-3470	355	22	correct	correct	ADJ
fsr-3470	355	23	(	(	PUNCT
fsr-3470	355	24	two	two	NUM
fsr-3470	355	25	-	-	PUNCT
fsr-3470	355	26	sample	sample	NOUN
fsr-3470	355	27	t	t	PROPN
fsr-3470	355	28	test	test	NOUN
fsr-3470	355	29	t	t	PROPN
fsr-3470	355	30	-	-	PUNCT
fsr-3470	355	31	statistic	statistic	NOUN
fsr-3470	355	32	of	of	ADP
fsr-3470	355	33	difference	difference	NOUN
fsr-3470	355	34	in	in	ADP
fsr-3470	355	35	means	mean	NOUN
fsr-3470	355	36	is	be	AUX
fsr-3470	355	37	10.5	10.5	NUM
fsr-3470	355	38	,	,	PUNCT
fsr-3470	355	39	with	with	ADP
fsr-3470	355	40	a	a	DET
fsr-3470	355	41	p	p	NOUN
fsr-3470	355	42	-	-	PUNCT
fsr-3470	355	43	value	value	NOUN
fsr-3470	355	44	of	of	ADP
fsr-3470	355	45	0.00	0.00	NUM
fsr-3470	355	46	)	)	PUNCT
fsr-3470	355	47	.	.	PUNCT
fsr-3470	356	1	yet	yet	ADV
fsr-3470	356	2	,	,	PUNCT
fsr-3470	356	3	the	the	DET
fsr-3470	356	4	average	average	ADJ
fsr-3470	356	5	score	score	NOUN
fsr-3470	356	6	of	of	ADP
fsr-3470	356	7	6.1	6.1	NUM
fsr-3470	356	8	questions	question	NOUN
fsr-3470	356	9	correct	correct	ADJ
fsr-3470	356	10	is	be	AUX
fsr-3470	356	11	not	not	PART
fsr-3470	356	12	impressive	impressive	ADJ
fsr-3470	356	13	.	.	PUNCT
fsr-3470	357	1	note	note	VERB
fsr-3470	357	2	that	that	SCONJ
fsr-3470	357	3	the	the	DET
fsr-3470	357	4	correlation	correlation	NOUN
fsr-3470	357	5	coefficient	coefficient	NOUN
fsr-3470	357	6	between	between	ADP
fsr-3470	357	7	our	our	PRON
fsr-3470	357	8	knowledge	knowledge	NOUN
fsr-3470	357	9	score	score	NOUN
fsr-3470	357	10	and	and	CCONJ
fsr-3470	357	11	general	general	ADJ
fsr-3470	357	12	financial	financial	ADJ
fsr-3470	357	13	literacy	literacy	NOUN
fsr-3470	357	14	in	in	ADP
fsr-3470	357	15	the	the	DET
fsr-3470	357	16	sample	sample	NOUN
fsr-3470	357	17	is	be	AUX
fsr-3470	357	18	moderate	moderate	ADJ
fsr-3470	357	19	at	at	ADP
fsr-3470	357	20	0.44	0.44	NUM
fsr-3470	357	21	.	.	PUNCT
fsr-3470	358	1	fig	fig	NOUN
fsr-3470	358	2	.	.	PUNCT
fsr-3470	359	1	2	2	X
fsr-3470	359	2	.	.	NOUN
fsr-3470	359	3	cumulative	cumulative	ADJ
fsr-3470	359	4	distribution	distribution	NOUN
fsr-3470	359	5	function	function	NOUN
fsr-3470	359	6	of	of	ADP
fsr-3470	359	7	scores	score	NOUN
fsr-3470	359	8	note	note	VERB
fsr-3470	359	9	:	:	PUNCT
fsr-3470	359	10	cumulative	cumulative	ADJ
fsr-3470	359	11	number	number	NOUN
fsr-3470	359	12	of	of	ADP
fsr-3470	359	13	respondents	respondent	NOUN
fsr-3470	359	14	that	that	PRON
fsr-3470	359	15	scored	score	VERB
fsr-3470	359	16	less	less	ADJ
fsr-3470	359	17	than	than	ADP
fsr-3470	359	18	or	or	CCONJ
fsr-3470	359	19	equal	equal	ADJ
fsr-3470	359	20	to	to	ADP
fsr-3470	359	21	a	a	DET
fsr-3470	359	22	given	give	VERB
fsr-3470	359	23	score	score	NOUN
fsr-3470	359	24	value	value	NOUN
fsr-3470	359	25	.	.	PUNCT
fsr-3470	360	1	fig	fig	NOUN
fsr-3470	360	2	.	.	PUNCT
fsr-3470	361	1	3	3	X
fsr-3470	361	2	.	.	X
fsr-3470	361	3	factor	factor	NOUN
fsr-3470	361	4	loadings	loading	NOUN
fsr-3470	361	5	in	in	ADP
fsr-3470	361	6	a	a	DET
fsr-3470	361	7	two	two	NUM
fsr-3470	361	8	-	-	PUNCT
fsr-3470	361	9	factor	factor	NOUN
fsr-3470	361	10	solution	solution	NOUN
fsr-3470	361	11	.	.	PUNCT
fsr-3470	362	1	b.	b.	PROPN
fsr-3470	362	2	scholl	scholl	PROPN
fsr-3470	362	3	and	and	CCONJ
fsr-3470	362	4	a.	a.	NOUN
fsr-3470	362	5	fontes	fontes	PROPN
fsr-3470	362	6	/	/	SYM
fsr-3470	362	7	financial	financial	ADJ
fsr-3470	362	8	services	service	NOUN
fsr-3470	362	9	review	review	VERB
fsr-3470	362	10	30	30	NUM
fsr-3470	362	11	(	(	PUNCT
fsr-3470	362	12	2022	2022	NUM
fsr-3470	362	13	)	)	PUNCT
fsr-3470	363	1	31–56	31–56	NUM
fsr-3470	363	2	45	45	NUM
fsr-3470	364	1	our	our	PRON
fsr-3470	364	2	survey	survey	NOUN
fsr-3470	364	3	collected	collect	VERB
fsr-3470	364	4	both	both	CCONJ
fsr-3470	364	5	investor	investor	NOUN
fsr-3470	364	6	and	and	CCONJ
fsr-3470	364	7	non	non	ADJ
fsr-3470	364	8	-	-	ADJ
fsr-3470	364	9	investor	investor	ADJ
fsr-3470	364	10	responses	response	NOUN
fsr-3470	364	11	.	.	PUNCT
fsr-3470	365	1	on	on	ADP
fsr-3470	365	2	one	one	NUM
fsr-3470	365	3	hand	hand	NOUN
fsr-3470	365	4	,	,	PUNCT
fsr-3470	365	5	it	it	PRON
fsr-3470	365	6	may	may	AUX
fsr-3470	365	7	be	be	AUX
fsr-3470	365	8	argued	argue	VERB
fsr-3470	365	9	that	that	SCONJ
fsr-3470	365	10	non	non	NOUN
fsr-3470	365	11	-	-	NOUN
fsr-3470	365	12	investors	investor	NOUN
fsr-3470	365	13	are	be	AUX
fsr-3470	365	14	less	less	ADV
fsr-3470	365	15	consequential	consequential	ADJ
fsr-3470	365	16	for	for	ADP
fsr-3470	365	17	determining	determine	VERB
fsr-3470	365	18	overall	overall	ADJ
fsr-3470	365	19	knowledge	knowledge	NOUN
fsr-3470	365	20	and	and	CCONJ
fsr-3470	365	21	excluded	exclude	VERB
fsr-3470	365	22	from	from	ADP
fsr-3470	365	23	analysis	analysis	NOUN
fsr-3470	365	24	,	,	PUNCT
fsr-3470	365	25	given	give	VERB
fsr-3470	365	26	that	that	SCONJ
fsr-3470	365	27	they	they	PRON
fsr-3470	365	28	may	may	AUX
fsr-3470	365	29	not	not	PART
fsr-3470	365	30	have	have	AUX
fsr-3470	365	31	experience	experience	NOUN
fsr-3470	365	32	with	with	ADP
fsr-3470	365	33	these	these	DET
fsr-3470	365	34	products	product	NOUN
fsr-3470	365	35	.	.	PUNCT
fsr-3470	366	1	on	on	ADP
fsr-3470	366	2	the	the	DET
fsr-3470	366	3	other	other	ADJ
fsr-3470	366	4	hand	hand	NOUN
fsr-3470	366	5	,	,	PUNCT
fsr-3470	366	6	we	we	PRON
fsr-3470	366	7	view	view	VERB
fsr-3470	366	8	knowledge	knowledge	NOUN
fsr-3470	366	9	as	as	ADP
fsr-3470	366	10	a	a	DET
fsr-3470	366	11	potentially	potentially	ADV
fsr-3470	366	12	important	important	ADJ
fsr-3470	366	13	barrier	barrier	NOUN
fsr-3470	366	14	for	for	ADP
fsr-3470	366	15	participation	participation	NOUN
fsr-3470	366	16	decisions	decision	NOUN
fsr-3470	366	17	,	,	PUNCT
fsr-3470	366	18	so	so	SCONJ
fsr-3470	366	19	application	application	NOUN
fsr-3470	366	20	of	of	ADP
fsr-3470	366	21	the	the	DET
fsr-3470	366	22	index	index	NOUN
fsr-3470	366	23	to	to	ADP
fsr-3470	366	24	this	this	DET
fsr-3470	366	25	subpopulation	subpopulation	NOUN
fsr-3470	366	26	is	be	AUX
fsr-3470	366	27	of	of	ADP
fsr-3470	366	28	interest	interest	NOUN
fsr-3470	366	29	.	.	PUNCT
fsr-3470	367	1	nevertheless	nevertheless	ADV
fsr-3470	367	2	,	,	PUNCT
fsr-3470	367	3	the	the	DET
fsr-3470	367	4	question	question	NOUN
fsr-3470	367	5	remains	remain	VERB
fsr-3470	367	6	:	:	PUNCT
fsr-3470	367	7	do	do	AUX
fsr-3470	367	8	non	non	ADJ
fsr-3470	367	9	-	-	ADJ
fsr-3470	367	10	investors	investor	NOUN
fsr-3470	367	11	drive	drive	VERB
fsr-3470	367	12	the	the	DET
fsr-3470	367	13	results	result	NOUN
fsr-3470	367	14	reported	report	VERB
fsr-3470	367	15	above	above	ADV
fsr-3470	367	16	?	?	PUNCT
fsr-3470	368	1	the	the	DET
fsr-3470	368	2	answer	answer	NOUN
fsr-3470	368	3	from	from	ADP
fsr-3470	368	4	table	table	NOUN
fsr-3470	368	5	2a	2a	NUM
fsr-3470	368	6	(	(	PUNCT
fsr-3470	368	7	panel	panel	NOUN
fsr-3470	368	8	c	c	NOUN
fsr-3470	368	9	)	)	PUNCT
fsr-3470	368	10	is	be	AUX
fsr-3470	368	11	clearly	clearly	ADV
fsr-3470	368	12	no	no	ADJ
fsr-3470	368	13	.	.	PUNCT
fsr-3470	369	1	non	non	NOUN
fsr-3470	369	2	-	-	NOUN
fsr-3470	369	3	investors	investor	NOUN
fsr-3470	369	4	make	make	VERB
fsr-3470	369	5	up	up	ADP
fsr-3470	369	6	only	only	ADV
fsr-3470	369	7	about	about	ADV
fsr-3470	369	8	13	13	NUM
fsr-3470	369	9	%	%	NOUN
fsr-3470	369	10	of	of	ADP
fsr-3470	369	11	our	our	PRON
fsr-3470	369	12	respondents	respondent	NOUN
fsr-3470	369	13	.	.	PUNCT
fsr-3470	370	1	while	while	SCONJ
fsr-3470	370	2	their	their	PRON
fsr-3470	370	3	scores	score	NOUN
fsr-3470	370	4	on	on	ADP
fsr-3470	370	5	average	average	ADJ
fsr-3470	370	6	are	be	AUX
fsr-3470	370	7	much	much	ADV
fsr-3470	370	8	lower	low	ADJ
fsr-3470	370	9	than	than	ADP
fsr-3470	370	10	those	those	PRON
fsr-3470	370	11	for	for	ADP
fsr-3470	370	12	investors	investor	NOUN
fsr-3470	370	13	(	(	PUNCT
fsr-3470	370	14	3.3	3.3	NUM
fsr-3470	370	15	vs.	vs.	ADP
fsr-3470	370	16	5.4	5.4	NUM
fsr-3470	370	17	;	;	PUNCT
fsr-3470	370	18	2	2	NUM
fsr-3470	370	19	-	-	PUNCT
fsr-3470	370	20	sample	sample	NOUN
fsr-3470	370	21	t	t	PROPN
fsr-3470	370	22	test	test	NOUN
fsr-3470	370	23	t	t	PROPN
fsr-3470	370	24	-	-	PUNCT
fsr-3470	370	25	value	value	NOUN
fsr-3470	370	26	:	:	PUNCT
fsr-3470	370	27	15.2	15.2	NUM
fsr-3470	370	28	,	,	PUNCT
fsr-3470	370	29	p	p	X
fsr-3470	370	30	<	<	X
fsr-3470	370	31	.001	.001	NUM
fsr-3470	370	32	)	)	PUNCT
fsr-3470	370	33	,	,	PUNCT
fsr-3470	370	34	this	this	PRON
fsr-3470	370	35	has	have	VERB
fsr-3470	370	36	little	little	ADJ
fsr-3470	370	37	effect	effect	NOUN
fsr-3470	370	38	on	on	ADP
fsr-3470	370	39	the	the	DET
fsr-3470	370	40	average	average	ADJ
fsr-3470	370	41	score	score	NOUN
fsr-3470	370	42	previously	previously	ADV
fsr-3470	370	43	reported	report	VERB
fsr-3470	370	44	;	;	PUNCT
fsr-3470	370	45	in	in	ADP
fsr-3470	370	46	short	short	ADJ
fsr-3470	370	47	,	,	PUNCT
fsr-3470	370	48	investors	investor	NOUN
fsr-3470	370	49	do	do	VERB
fsr-3470	370	50	poorly	poorly	ADV
fsr-3470	370	51	enough	enough	ADV
fsr-3470	370	52	on	on	ADP
fsr-3470	370	53	their	their	PRON
fsr-3470	370	54	own	own	ADJ
fsr-3470	370	55	.	.	PUNCT
fsr-3470	371	1	similarly	similarly	ADV
fsr-3470	371	2	,	,	PUNCT
fsr-3470	371	3	individual	individual	ADJ
fsr-3470	371	4	item	item	NOUN
fsr-3470	371	5	responses	response	NOUN
fsr-3470	371	6	for	for	ADP
fsr-3470	371	7	investors	investor	NOUN
fsr-3470	371	8	are	be	AUX
fsr-3470	371	9	as	as	ADV
fsr-3470	371	10	much	much	ADV
fsr-3470	371	11	as	as	ADV
fsr-3470	371	12	twice	twice	ADV
fsr-3470	371	13	as	as	ADV
fsr-3470	371	14	accurate	accurate	ADJ
fsr-3470	371	15	as	as	ADP
fsr-3470	371	16	those	those	PRON
fsr-3470	371	17	for	for	ADP
fsr-3470	371	18	non	non	NOUN
fsr-3470	371	19	-	-	NOUN
fsr-3470	371	20	investors	investor	NOUN
fsr-3470	371	21	,	,	PUNCT
fsr-3470	371	22	but	but	CCONJ
fsr-3470	371	23	performance	performance	NOUN
fsr-3470	371	24	on	on	ADP
fsr-3470	371	25	some	some	DET
fsr-3470	371	26	questions	question	NOUN
fsr-3470	371	27	such	such	ADJ
fsr-3470	371	28	as	as	ADP
fsr-3470	371	29	fee	fee	NOUN
fsr-3470	371	30	basis	basis	NOUN
fsr-3470	371	31	and	and	CCONJ
fsr-3470	371	32	load	load	NOUN
fsr-3470	371	33	were	be	AUX
fsr-3470	371	34	extremely	extremely	ADV
fsr-3470	371	35	poor	poor	ADJ
fsr-3470	371	36	even	even	ADV
fsr-3470	371	37	for	for	ADP
fsr-3470	371	38	the	the	DET
fsr-3470	371	39	more	more	ADV
fsr-3470	371	40	experienced	experienced	ADJ
fsr-3470	371	41	group	group	NOUN
fsr-3470	371	42	.	.	PUNCT
fsr-3470	372	1	about	about	ADV
fsr-3470	372	2	three	three	NUM
fsr-3470	372	3	quarters	quarter	NOUN
fsr-3470	372	4	of	of	ADP
fsr-3470	372	5	the	the	DET
fsr-3470	372	6	more	more	ADV
fsr-3470	372	7	experienced	experienced	ADJ
fsr-3470	372	8	group	group	NOUN
fsr-3470	372	9	answered	answer	VERB
fsr-3470	372	10	these	these	DET
fsr-3470	372	11	questions	question	NOUN
fsr-3470	372	12	wrong	wrong	ADJ
fsr-3470	372	13	as	as	SCONJ
fsr-3470	372	14	compared	compare	VERB
fsr-3470	372	15	with	with	ADP
fsr-3470	372	16	nearly	nearly	ADV
fsr-3470	372	17	ninety	ninety	NUM
fsr-3470	372	18	percentage	percentage	NOUN
fsr-3470	372	19	of	of	ADP
fsr-3470	372	20	the	the	DET
fsr-3470	372	21	non	non	ADJ
fsr-3470	372	22	-	-	ADJ
fsr-3470	372	23	investor	investor	ADJ
fsr-3470	372	24	group	group	NOUN
fsr-3470	372	25	.	.	PUNCT
fsr-3470	373	1	as	as	ADP
fsr-3470	373	2	with	with	ADP
fsr-3470	373	3	high	high	ADJ
fsr-3470	373	4	financial	financial	ADJ
fsr-3470	373	5	literacy	literacy	NOUN
fsr-3470	373	6	respondents	respondent	NOUN
fsr-3470	373	7	,	,	PUNCT
fsr-3470	373	8	investors	investor	NOUN
fsr-3470	373	9	did	do	VERB
fsr-3470	373	10	modestly	modestly	ADV
fsr-3470	373	11	well	well	ADV
fsr-3470	373	12	on	on	ADP
fsr-3470	373	13	risk	risk	NOUN
fsr-3470	373	14	questions	question	NOUN
fsr-3470	373	15	,	,	PUNCT
fsr-3470	373	16	but	but	CCONJ
fsr-3470	373	17	overall	overall	ADV
fsr-3470	373	18	tended	tend	VERB
fsr-3470	373	19	to	to	PART
fsr-3470	373	20	do	do	VERB
fsr-3470	373	21	poorly	poorly	ADV
fsr-3470	373	22	on	on	ADP
fsr-3470	373	23	fee	fee	NOUN
fsr-3470	373	24	questions	question	NOUN
fsr-3470	373	25	.	.	PUNCT
fsr-3470	374	1	fig	fig	NOUN
fsr-3470	374	2	.	.	PUNCT
fsr-3470	375	1	4	4	X
fsr-3470	375	2	.	.	X
fsr-3470	375	3	fee	fee	NOUN
fsr-3470	375	4	calculation	calculation	NOUN
fsr-3470	375	5	question	question	NOUN
fsr-3470	375	6	.	.	PUNCT
fsr-3470	376	1	46	46	NUM
fsr-3470	376	2	b.	b.	PROPN
fsr-3470	376	3	scholl	scholl	PROPN
fsr-3470	376	4	and	and	CCONJ
fsr-3470	376	5	a.	a.	NOUN
fsr-3470	376	6	fontes	fontes	PROPN
fsr-3470	376	7	/	/	SYM
fsr-3470	376	8	financial	financial	ADJ
fsr-3470	376	9	services	service	NOUN
fsr-3470	376	10	review	review	VERB
fsr-3470	376	11	30	30	NUM
fsr-3470	376	12	(	(	PUNCT
fsr-3470	376	13	2022	2022	NUM
fsr-3470	376	14	)	)	PUNCT
fsr-3470	376	15	31–56	31–56	NUM
fsr-3470	376	16	4.3	4.3	NUM
fsr-3470	376	17	.	.	PUNCT
fsr-3470	376	18	index	index	NOUN
fsr-3470	376	19	development	development	NOUN
fsr-3470	376	20	while	while	SCONJ
fsr-3470	376	21	our	our	PRON
fsr-3470	376	22	11	11	NUM
fsr-3470	376	23	question	question	NOUN
fsr-3470	376	24	battery	battery	NOUN
fsr-3470	376	25	was	be	AUX
fsr-3470	376	26	designed	design	VERB
fsr-3470	376	27	to	to	PART
fsr-3470	376	28	test	test	VERB
fsr-3470	376	29	specific	specific	ADJ
fsr-3470	376	30	technical	technical	ADJ
fsr-3470	376	31	knowledge	knowledge	NOUN
fsr-3470	376	32	of	of	ADP
fsr-3470	376	33	key	key	ADJ
fsr-3470	376	34	features	feature	NOUN
fsr-3470	376	35	of	of	ADP
fsr-3470	376	36	mutual	mutual	ADJ
fsr-3470	376	37	funds	fund	NOUN
fsr-3470	376	38	,	,	PUNCT
fsr-3470	376	39	it	it	PRON
fsr-3470	376	40	is	be	AUX
fsr-3470	376	41	conceivable	conceivable	ADJ
fsr-3470	376	42	that	that	SCONJ
fsr-3470	376	43	the	the	DET
fsr-3470	376	44	questions	question	NOUN
fsr-3470	376	45	are	be	AUX
fsr-3470	376	46	really	really	ADV
fsr-3470	376	47	capturing	capture	VERB
fsr-3470	376	48	a	a	DET
fsr-3470	376	49	smaller	small	ADJ
fsr-3470	376	50	set	set	NOUN
fsr-3470	376	51	of	of	ADP
fsr-3470	376	52	underlying	underlie	VERB
fsr-3470	376	53	latent	latent	NOUN
fsr-3470	376	54	aspects	aspect	NOUN
fsr-3470	376	55	of	of	ADP
fsr-3470	376	56	respondent	respondent	ADJ
fsr-3470	376	57	knowledge	knowledge	NOUN
fsr-3470	376	58	.	.	PUNCT
fsr-3470	377	1	this	this	PRON
fsr-3470	377	2	might	might	AUX
fsr-3470	377	3	make	make	VERB
fsr-3470	377	4	some	some	DET
fsr-3470	377	5	questions	question	NOUN
fsr-3470	377	6	redundant	redundant	VERB
fsr-3470	377	7	.	.	PUNCT
fsr-3470	378	1	after	after	ADV
fsr-3470	378	2	all	all	ADV
fsr-3470	378	3	,	,	PUNCT
fsr-3470	378	4	if	if	SCONJ
fsr-3470	378	5	a	a	DET
fsr-3470	378	6	respondent	respondent	NOUN
fsr-3470	378	7	does	do	AUX
fsr-3470	378	8	not	not	PART
fsr-3470	378	9	know	know	VERB
fsr-3470	378	10	that	that	SCONJ
fsr-3470	378	11	mutual	mutual	ADJ
fsr-3470	378	12	funds	fund	NOUN
fsr-3470	378	13	are	be	AUX
fsr-3470	378	14	risky	risky	ADJ
fsr-3470	378	15	financial	financial	ADJ
fsr-3470	378	16	investments	investment	NOUN
fsr-3470	378	17	,	,	PUNCT
fsr-3470	378	18	they	they	PRON
fsr-3470	378	19	may	may	AUX
fsr-3470	378	20	answer	answer	VERB
fsr-3470	378	21	both	both	DET
fsr-3470	378	22	the	the	DET
fsr-3470	378	23	risk	risk	NOUN
fsr-3470	378	24	stockfund	stockfund	NOUN
fsr-3470	378	25	and	and	CCONJ
fsr-3470	378	26	risk	risk	NOUN
fsr-3470	378	27	bondfund	bondfund	NOUN
fsr-3470	378	28	questions	question	NOUN
fsr-3470	378	29	incorrectly	incorrectly	ADV
fsr-3470	378	30	so	so	SCONJ
fsr-3470	378	31	that	that	SCONJ
fsr-3470	378	32	one	one	NUM
fsr-3470	378	33	of	of	ADP
fsr-3470	378	34	these	these	DET
fsr-3470	378	35	questions	question	NOUN
fsr-3470	378	36	might	might	AUX
fsr-3470	378	37	be	be	AUX
fsr-3470	378	38	eliminated	eliminate	VERB
fsr-3470	378	39	.	.	PUNCT
fsr-3470	379	1	following	follow	VERB
fsr-3470	379	2	devellis	devellis	PROPN
fsr-3470	379	3	(	(	PUNCT
fsr-3470	379	4	2016	2016	NUM
fsr-3470	379	5	)	)	PUNCT
fsr-3470	379	6	,	,	PUNCT
fsr-3470	379	7	to	to	PART
fsr-3470	379	8	identify	identify	VERB
fsr-3470	379	9	latent	latent	ADJ
fsr-3470	379	10	components	component	NOUN
fsr-3470	379	11	,	,	PUNCT
fsr-3470	379	12	we	we	PRON
fsr-3470	379	13	conducted	conduct	VERB
fsr-3470	379	14	factor	factor	NOUN
fsr-3470	379	15	analysis	analysis	NOUN
fsr-3470	379	16	with	with	ADP
fsr-3470	379	17	the	the	DET
fsr-3470	379	18	11	11	NUM
fsr-3470	379	19	individual	individual	ADJ
fsr-3470	379	20	items	item	NOUN
fsr-3470	379	21	(	(	PUNCT
fsr-3470	379	22	presented	present	VERB
fsr-3470	379	23	in	in	ADP
fsr-3470	379	24	fig	fig	NOUN
fsr-3470	379	25	.	.	PUNCT
fsr-3470	380	1	1	1	NUM
fsr-3470	380	2	)	)	PUNCT
fsr-3470	380	3	.	.	PUNCT
fsr-3470	381	1	to	to	PART
fsr-3470	381	2	determine	determine	VERB
fsr-3470	381	3	the	the	DET
fsr-3470	381	4	number	number	NOUN
fsr-3470	381	5	of	of	ADP
fsr-3470	381	6	factors	factor	NOUN
fsr-3470	381	7	,	,	PUNCT
fsr-3470	381	8	or	or	CCONJ
fsr-3470	381	9	latent	latent	NOUN
fsr-3470	381	10	variables	variable	NOUN
fsr-3470	381	11	,	,	PUNCT
fsr-3470	381	12	present	present	ADJ
fsr-3470	381	13	in	in	ADP
fsr-3470	381	14	the	the	DET
fsr-3470	381	15	data	datum	NOUN
fsr-3470	381	16	,	,	PUNCT
fsr-3470	381	17	we	we	PRON
fsr-3470	381	18	investigated	investigate	VERB
fsr-3470	381	19	both	both	CCONJ
fsr-3470	381	20	the	the	DET
fsr-3470	381	21	eigenvalues	eigenvalue	NOUN
fsr-3470	381	22	of	of	ADP
fsr-3470	381	23	factors	factor	NOUN
fsr-3470	381	24	identified	identify	VERB
fsr-3470	381	25	.	.	PUNCT
fsr-3470	382	1	following	follow	VERB
fsr-3470	382	2	the	the	DET
fsr-3470	382	3	standard	standard	ADJ
fsr-3470	382	4	method	method	NOUN
fsr-3470	382	5	identified	identify	VERB
fsr-3470	382	6	in	in	ADP
fsr-3470	382	7	kaiser	kaiser	PROPN
fsr-3470	382	8	(	(	PUNCT
fsr-3470	382	9	1960	1960	NUM
fsr-3470	382	10	,	,	PUNCT
fsr-3470	382	11	1970	1970	NUM
fsr-3470	382	12	)	)	PUNCT
fsr-3470	382	13	,	,	PUNCT
fsr-3470	382	14	factors	factor	NOUN
fsr-3470	382	15	with	with	ADP
fsr-3470	382	16	eigenvalues	eigenvalue	NOUN
fsr-3470	382	17	greater	great	ADJ
fsr-3470	382	18	than	than	ADP
fsr-3470	382	19	one	one	NUM
fsr-3470	382	20	were	be	AUX
fsr-3470	382	21	retained	retain	VERB
fsr-3470	382	22	for	for	ADP
fsr-3470	382	23	analysis	analysis	NOUN
fsr-3470	382	24	.	.	PUNCT
fsr-3470	383	1	our	our	PRON
fsr-3470	383	2	analysis	analysis	NOUN
fsr-3470	383	3	identified	identify	VERB
fsr-3470	383	4	two	two	NUM
fsr-3470	383	5	factors	factor	NOUN
fsr-3470	383	6	with	with	ADP
fsr-3470	383	7	eigenvalues	eigenvalue	NOUN
fsr-3470	383	8	over	over	ADP
fsr-3470	383	9	1	1	NUM
fsr-3470	383	10	:	:	PUNCT
fsr-3470	383	11	one	one	NUM
fsr-3470	383	12	corresponding	correspond	VERB
fsr-3470	383	13	to	to	ADP
fsr-3470	383	14	the	the	DET
fsr-3470	383	15	market	market	NOUN
fsr-3470	383	16	alternatives	alternative	NOUN
fsr-3470	383	17	and	and	CCONJ
fsr-3470	383	18	risk	risk	NOUN
fsr-3470	383	19	categories	category	NOUN
fsr-3470	383	20	,	,	PUNCT
fsr-3470	383	21	and	and	CCONJ
fsr-3470	383	22	a	a	DET
fsr-3470	383	23	second	second	ADJ
fsr-3470	383	24	corresponding	corresponding	NOUN
fsr-3470	383	25	to	to	ADP
fsr-3470	383	26	the	the	DET
fsr-3470	383	27	performance	performance	NOUN
fsr-3470	383	28	history	history	NOUN
fsr-3470	383	29	and	and	CCONJ
fsr-3470	383	30	fees	fee	NOUN
fsr-3470	383	31	categories	category	NOUN
fsr-3470	383	32	(	(	PUNCT
fsr-3470	383	33	see	see	VERB
fsr-3470	383	34	figure	figure	NOUN
fsr-3470	383	35	3	3	NUM
fsr-3470	383	36	)	)	PUNCT
fsr-3470	383	37	.	.	PUNCT
fsr-3470	384	1	performance	performance	NOUN
fsr-3470	384	2	history	history	NOUN
fsr-3470	384	3	loaded	load	VERB
fsr-3470	384	4	on	on	ADP
fsr-3470	384	5	to	to	ADP
fsr-3470	384	6	the	the	DET
fsr-3470	384	7	fees	fee	NOUN
fsr-3470	384	8	factor	factor	NOUN
fsr-3470	384	9	,	,	PUNCT
fsr-3470	384	10	although	although	SCONJ
fsr-3470	384	11	this	this	PRON
fsr-3470	384	12	was	be	AUX
fsr-3470	384	13	the	the	DET
fsr-3470	384	14	weakest	weak	ADJ
fsr-3470	384	15	loading	loading	NOUN
fsr-3470	384	16	of	of	ADP
fsr-3470	384	17	any	any	DET
fsr-3470	384	18	item	item	NOUN
fsr-3470	384	19	.	.	PUNCT
fsr-3470	385	1	we	we	PRON
fsr-3470	385	2	calculated	calculate	VERB
fsr-3470	385	3	item	item	NOUN
fsr-3470	385	4	-	-	PUNCT
fsr-3470	385	5	total	total	NOUN
fsr-3470	385	6	correlations	correlation	NOUN
fsr-3470	385	7	for	for	ADP
fsr-3470	385	8	each	each	DET
fsr-3470	385	9	item	item	NOUN
fsr-3470	385	10	and	and	CCONJ
fsr-3470	385	11	the	the	DET
fsr-3470	385	12	total	total	ADJ
fsr-3470	385	13	index	index	NOUN
fsr-3470	385	14	score	score	NOUN
fsr-3470	385	15	and	and	CCONJ
fsr-3470	385	16	each	each	DET
fsr-3470	385	17	item	item	NOUN
fsr-3470	385	18	with	with	ADP
fsr-3470	385	19	its	its	PRON
fsr-3470	385	20	corresponding	correspond	VERB
fsr-3470	385	21	total	total	ADJ
fsr-3470	385	22	factor	factor	NOUN
fsr-3470	385	23	score	score	NOUN
fsr-3470	385	24	(	(	PUNCT
fsr-3470	385	25	presented	present	VERB
fsr-3470	385	26	in	in	ADP
fsr-3470	385	27	table	table	NOUN
fsr-3470	385	28	3	3	NUM
fsr-3470	385	29	)	)	PUNCT
fsr-3470	385	30	.	.	PUNCT
fsr-3470	386	1	item	item	NOUN
fsr-3470	386	2	-	-	PUNCT
fsr-3470	386	3	total	total	NOUN
fsr-3470	386	4	correlations	correlation	NOUN
fsr-3470	386	5	suggested	suggest	VERB
fsr-3470	386	6	strong	strong	ADJ
fsr-3470	386	7	relationships	relationship	NOUN
fsr-3470	386	8	between	between	ADP
fsr-3470	386	9	each	each	PRON
fsr-3470	386	10	of	of	ADP
fsr-3470	386	11	the	the	DET
fsr-3470	386	12	individual	individual	ADJ
fsr-3470	386	13	items	item	NOUN
fsr-3470	386	14	and	and	CCONJ
fsr-3470	386	15	the	the	DET
fsr-3470	386	16	overall	overall	ADJ
fsr-3470	386	17	index	index	NOUN
fsr-3470	386	18	score	score	NOUN
fsr-3470	386	19	,	,	PUNCT
fsr-3470	386	20	with	with	ADP
fsr-3470	386	21	the	the	DET
fsr-3470	386	22	correlations	correlation	NOUN
fsr-3470	386	23	ranging	range	VERB
fsr-3470	386	24	between	between	ADP
fsr-3470	386	25	0.44	0.44	NUM
fsr-3470	386	26	and	and	CCONJ
fsr-3470	386	27	.70	.70	NUM
fsr-3470	386	28	.	.	PUNCT
fsr-3470	387	1	the	the	DET
fsr-3470	387	2	correlation	correlation	NOUN
fsr-3470	387	3	between	between	ADP
fsr-3470	387	4	individual	individual	ADJ
fsr-3470	387	5	items	item	NOUN
fsr-3470	387	6	and	and	CCONJ
fsr-3470	387	7	their	their	PRON
fsr-3470	387	8	respective	respective	ADJ
fsr-3470	387	9	factors	factor	NOUN
fsr-3470	387	10	is	be	AUX
fsr-3470	387	11	quite	quite	ADV
fsr-3470	387	12	strong	strong	ADJ
fsr-3470	387	13	,	,	PUNCT
fsr-3470	387	14	with	with	ADP
fsr-3470	387	15	a	a	DET
fsr-3470	387	16	range	range	NOUN
fsr-3470	387	17	between	between	ADP
fsr-3470	387	18	0.59	0.59	NUM
fsr-3470	387	19	and	and	CCONJ
fsr-3470	387	20	.76	.76	NUM
fsr-3470	387	21	.	.	PUNCT
fsr-3470	388	1	these	these	DET
fsr-3470	388	2	results	result	NOUN
fsr-3470	388	3	argue	argue	VERB
fsr-3470	388	4	in	in	ADP
fsr-3470	388	5	favor	favor	NOUN
fsr-3470	388	6	of	of	ADP
fsr-3470	388	7	preserving	preserve	VERB
fsr-3470	388	8	all	all	DET
fsr-3470	388	9	11	11	NUM
fsr-3470	388	10	items	item	NOUN
fsr-3470	388	11	in	in	ADP
fsr-3470	388	12	the	the	DET
fsr-3470	388	13	index.16	index.16	PROPN
fsr-3470	388	14	4.4	4.4	NUM
fsr-3470	388	15	.	.	PUNCT
fsr-3470	389	1	index	index	NOUN
fsr-3470	389	2	validation	validation	NOUN
fsr-3470	389	3	to	to	PART
fsr-3470	389	4	demonstrate	demonstrate	VERB
fsr-3470	389	5	construct	construct	VERB
fsr-3470	389	6	validity	validity	NOUN
fsr-3470	389	7	,	,	PUNCT
fsr-3470	389	8	we	we	PRON
fsr-3470	389	9	use	use	VERB
fsr-3470	389	10	descriptive	descriptive	ADJ
fsr-3470	389	11	regressions	regression	NOUN
fsr-3470	389	12	to	to	PART
fsr-3470	389	13	examine	examine	VERB
fsr-3470	389	14	the	the	DET
fsr-3470	389	15	relationship	relationship	NOUN
fsr-3470	389	16	between	between	ADP
fsr-3470	389	17	the	the	DET
fsr-3470	389	18	index	index	NOUN
fsr-3470	389	19	and	and	CCONJ
fsr-3470	389	20	selected	select	VERB
fsr-3470	389	21	outcome	outcome	NOUN
fsr-3470	389	22	measures	measure	NOUN
fsr-3470	389	23	to	to	PART
fsr-3470	389	24	gain	gain	VERB
fsr-3470	389	25	more	more	ADJ
fsr-3470	389	26	perspective	perspective	NOUN
fsr-3470	389	27	on	on	ADP
fsr-3470	389	28	the	the	DET
fsr-3470	389	29	explanatory	explanatory	ADJ
fsr-3470	389	30	power	power	NOUN
fsr-3470	389	31	of	of	ADP
fsr-3470	389	32	the	the	DET
fsr-3470	389	33	index	index	NOUN
fsr-3470	389	34	(	(	PUNCT
fsr-3470	389	35	devellis	devellis	PROPN
fsr-3470	389	36	,	,	PUNCT
fsr-3470	389	37	2016).17	2016).17	PROPN
fsr-3470	389	38	results	result	NOUN
fsr-3470	389	39	are	be	AUX
fsr-3470	389	40	presented	present	VERB
fsr-3470	389	41	in	in	ADP
fsr-3470	389	42	table	table	NOUN
fsr-3470	389	43	4	4	NUM
fsr-3470	389	44	.	.	PUNCT
fsr-3470	390	1	each	each	DET
fsr-3470	390	2	outcome	outcome	NOUN
fsr-3470	390	3	we	we	PRON
fsr-3470	390	4	consider	consider	VERB
fsr-3470	390	5	has	have	VERB
fsr-3470	390	6	a	a	DET
fsr-3470	390	7	widening	widen	VERB
fsr-3470	390	8	sphere	sphere	NOUN
fsr-3470	390	9	of	of	ADP
fsr-3470	390	10	influence	influence	NOUN
fsr-3470	390	11	:	:	PUNCT
fsr-3470	390	12	as	as	ADP
fsr-3470	390	13	a	a	DET
fsr-3470	390	14	measure	measure	NOUN
fsr-3470	390	15	of	of	ADP
fsr-3470	390	16	direct	direct	ADJ
fsr-3470	390	17	application	application	NOUN
fsr-3470	390	18	,	,	PUNCT
fsr-3470	390	19	table	table	NOUN
fsr-3470	390	20	3	3	NUM
fsr-3470	390	21	item	item	NOUN
fsr-3470	390	22	-	-	PUNCT
fsr-3470	390	23	total	total	NOUN
fsr-3470	390	24	and	and	CCONJ
fsr-3470	390	25	item	item	NOUN
fsr-3470	390	26	-	-	PUNCT
fsr-3470	390	27	factor	factor	NOUN
fsr-3470	390	28	total	total	NOUN
fsr-3470	390	29	correlations	correlation	NOUN
fsr-3470	390	30	item	item	NOUN
fsr-3470	390	31	index	index	NOUN
fsr-3470	390	32	total	total	NOUN
fsr-3470	390	33	correlation	correlation	NOUN
fsr-3470	390	34	factor	factor	NOUN
fsr-3470	390	35	1	1	NUM
fsr-3470	390	36	correlation	correlation	NOUN
fsr-3470	390	37	(	(	PUNCT
fsr-3470	390	38	market	market	NOUN
fsr-3470	390	39	alternatives	alternative	NOUN
fsr-3470	390	40	)	)	PUNCT
fsr-3470	390	41	factor	factor	NOUN
fsr-3470	390	42	2	2	NUM
fsr-3470	390	43	correlation	correlation	NOUN
fsr-3470	390	44	(	(	PUNCT
fsr-3470	390	45	fees	fee	NOUN
fsr-3470	390	46	)	)	PUNCT
fsr-3470	391	1	2	2	NUM
fsr-3470	391	2	0.7036	0.7036	NUM
fsr-3470	391	3	0.7553	0.7553	NUM
fsr-3470	391	4	3	3	NUM
fsr-3470	391	5	0.6259	0.6259	NUM
fsr-3470	391	6	0.7182	0.7182	NUM
fsr-3470	391	7	4	4	NUM
fsr-3470	391	8	0.6235	0.6235	NUM
fsr-3470	391	9	0.6898	0.6898	NUM
fsr-3470	391	10	5	5	NUM
fsr-3470	391	11	0.6200	0.6200	NUM
fsr-3470	391	12	0.6442	0.6442	NUM
fsr-3470	391	13	9	9	NUM
fsr-3470	391	14	0.6693	0.6693	NUM
fsr-3470	391	15	0.7023	0.7023	NUM
fsr-3470	391	16	10	10	NUM
fsr-3470	391	17	0.7054	0.7054	NUM
fsr-3470	391	18	0.7686	0.7686	NUM
fsr-3470	391	19	1	1	NUM
fsr-3470	391	20	0.5086	0.5086	NUM
fsr-3470	391	21	0.6378	0.6378	NUM
fsr-3470	391	22	6	6	NUM
fsr-3470	391	23	0.5235	0.5235	NUM
fsr-3470	391	24	0.6377	0.6377	NUM
fsr-3470	391	25	7	7	NUM
fsr-3470	391	26	0.4504	0.4504	NUM
fsr-3470	391	27	0.5978	0.5978	NUM
fsr-3470	391	28	8	8	NUM
fsr-3470	391	29	0.5316	0.5316	NUM
fsr-3470	391	30	0.6663	0.6663	NUM
fsr-3470	391	31	11	11	NUM
fsr-3470	391	32	0.4410	0.4410	NUM
fsr-3470	391	33	0.6020	0.6020	NUM
fsr-3470	391	34	b.	b.	PROPN
fsr-3470	391	35	scholl	scholl	PROPN
fsr-3470	391	36	and	and	CCONJ
fsr-3470	391	37	a.	a.	NOUN
fsr-3470	391	38	fontes	fontes	PROPN
fsr-3470	391	39	/	/	SYM
fsr-3470	391	40	financial	financial	ADJ
fsr-3470	391	41	services	service	NOUN
fsr-3470	391	42	review	review	VERB
fsr-3470	391	43	30	30	NUM
fsr-3470	391	44	(	(	PUNCT
fsr-3470	391	45	2022	2022	NUM
fsr-3470	391	46	)	)	PUNCT
fsr-3470	392	1	31–56	31–56	NUM
fsr-3470	392	2	47	47	NUM
fsr-3470	392	3	we	we	PRON
fsr-3470	392	4	modeled	model	VERB
fsr-3470	392	5	response	response	NOUN
fsr-3470	392	6	to	to	ADP
fsr-3470	392	7	a	a	DET
fsr-3470	392	8	fee	fee	NOUN
fsr-3470	392	9	calculation	calculation	NOUN
fsr-3470	392	10	skill	skill	NOUN
fsr-3470	392	11	question	question	NOUN
fsr-3470	392	12	(	(	PUNCT
fsr-3470	392	13	column	column	NOUN
fsr-3470	392	14	1	1	NUM
fsr-3470	392	15	)	)	PUNCT
fsr-3470	392	16	(	(	PUNCT
fsr-3470	392	17	see	see	VERB
fsr-3470	392	18	figure	figure	NOUN
fsr-3470	392	19	4	4	NUM
fsr-3470	392	20	)	)	PUNCT
fsr-3470	392	21	;	;	PUNCT
fsr-3470	392	22	we	we	PRON
fsr-3470	392	23	examined	examine	VERB
fsr-3470	392	24	the	the	DET
fsr-3470	392	25	value	value	NOUN
fsr-3470	392	26	of	of	ADP
fsr-3470	392	27	the	the	DET
fsr-3470	392	28	index	index	NOUN
fsr-3470	392	29	in	in	ADP
fsr-3470	392	30	explaining	explain	VERB
fsr-3470	392	31	ownership	ownership	NOUN
fsr-3470	392	32	of	of	ADP
fsr-3470	392	33	any	any	DET
fsr-3470	392	34	financial	financial	ADJ
fsr-3470	392	35	investments	investment	NOUN
fsr-3470	392	36	(	(	PUNCT
fsr-3470	392	37	“	"	PUNCT
fsr-3470	392	38	investors	investor	NOUN
fsr-3470	392	39	”	"	PUNCT
fsr-3470	392	40	;	;	PUNCT
fsr-3470	392	41	column	column	NOUN
fsr-3470	392	42	2	2	NUM
fsr-3470	392	43	)	)	PUNCT
fsr-3470	392	44	;	;	PUNCT
fsr-3470	392	45	as	as	ADP
fsr-3470	392	46	our	our	PRON
fsr-3470	392	47	broadest	broad	ADJ
fsr-3470	392	48	outcome	outcome	NOUN
fsr-3470	392	49	of	of	ADP
fsr-3470	392	50	interest	interest	NOUN
fsr-3470	392	51	,	,	PUNCT
fsr-3470	392	52	we	we	PRON
fsr-3470	392	53	examine	examine	VERB
fsr-3470	392	54	the	the	DET
fsr-3470	392	55	relationship	relationship	NOUN
fsr-3470	392	56	between	between	ADP
fsr-3470	392	57	the	the	DET
fsr-3470	392	58	index	index	NOUN
fsr-3470	392	59	and	and	CCONJ
fsr-3470	392	60	the	the	DET
fsr-3470	392	61	cfpb	cfpb	NOUN
fsr-3470	392	62	’s	’s	PART
fsr-3470	392	63	financial	financial	ADJ
fsr-3470	392	64	well	well	NOUN
fsr-3470	392	65	-	-	PUNCT
fsr-3470	392	66	being	be	AUX
fsr-3470	392	67	(	(	PUNCT
fsr-3470	392	68	fwb	fwb	ADJ
fsr-3470	392	69	)	)	PUNCT
fsr-3470	392	70	metric	metric	NOUN
fsr-3470	392	71	(	(	PUNCT
fsr-3470	392	72	see	see	VERB
fsr-3470	392	73	consumer	consumer	NOUN
fsr-3470	392	74	financial	financial	PROPN
fsr-3470	392	75	protection	protection	PROPN
fsr-3470	392	76	bureau	bureau	PROPN
fsr-3470	392	77	,	,	PUNCT
fsr-3470	392	78	2017	2017	NUM
fsr-3470	392	79	;	;	PUNCT
fsr-3470	392	80	column	column	NOUN
fsr-3470	392	81	3	3	NUM
fsr-3470	392	82	)	)	PUNCT
fsr-3470	392	83	.	.	PUNCT
fsr-3470	393	1	for	for	ADP
fsr-3470	393	2	ease	ease	NOUN
fsr-3470	393	3	of	of	ADP
fsr-3470	393	4	demonstrating	demonstrate	VERB
fsr-3470	393	5	the	the	DET
fsr-3470	393	6	complementarity	complementarity	NOUN
fsr-3470	393	7	between	between	ADP
fsr-3470	393	8	overall	overall	ADJ
fsr-3470	393	9	financial	financial	ADJ
fsr-3470	393	10	literacy	literacy	NOUN
fsr-3470	393	11	and	and	CCONJ
fsr-3470	393	12	mutual	mutual	ADJ
fsr-3470	393	13	fund	fund	NOUN
fsr-3470	393	14	knowledge	knowledge	NOUN
fsr-3470	393	15	,	,	PUNCT
fsr-3470	393	16	the	the	DET
fsr-3470	393	17	sum	sum	NOUN
fsr-3470	393	18	of	of	ADP
fsr-3470	393	19	correct	correct	ADJ
fsr-3470	393	20	questions	question	NOUN
fsr-3470	393	21	for	for	ADP
fsr-3470	393	22	each	each	PRON
fsr-3470	393	23	were	be	AUX
fsr-3470	393	24	normalized	normalize	VERB
fsr-3470	393	25	.	.	PUNCT
fsr-3470	394	1	for	for	ADP
fsr-3470	394	2	ease	ease	NOUN
fsr-3470	394	3	of	of	ADP
fsr-3470	394	4	exposition	exposition	NOUN
fsr-3470	394	5	,	,	PUNCT
fsr-3470	394	6	outcomes	outcome	NOUN
fsr-3470	394	7	were	be	AUX
fsr-3470	394	8	modeled	model	VERB
fsr-3470	394	9	using	use	VERB
fsr-3470	394	10	a	a	DET
fsr-3470	394	11	linear	linear	ADJ
fsr-3470	394	12	probability	probability	NOUN
fsr-3470	394	13	model	model	NOUN
fsr-3470	394	14	(	(	PUNCT
fsr-3470	394	15	lpm	lpm	NOUN
fsr-3470	394	16	)	)	PUNCT
fsr-3470	394	17	or	or	CCONJ
fsr-3470	394	18	ordinary	ordinary	ADJ
fsr-3470	394	19	least	least	ADJ
fsr-3470	394	20	squares	square	NOUN
fsr-3470	394	21	(	(	PUNCT
fsr-3470	394	22	ols	ol	NOUN
fsr-3470	394	23	)	)	PUNCT
fsr-3470	394	24	,	,	PUNCT
fsr-3470	394	25	as	as	SCONJ
fsr-3470	394	26	appropriate.18	appropriate.18	PROPN
fsr-3470	394	27	covariates	covariate	NOUN
fsr-3470	394	28	included	include	VERB
fsr-3470	394	29	were	be	AUX
fsr-3470	394	30	:	:	PUNCT
fsr-3470	394	31	gender	gender	NOUN
fsr-3470	394	32	,	,	PUNCT
fsr-3470	394	33	age	age	NOUN
fsr-3470	394	34	,	,	PUNCT
fsr-3470	394	35	education	education	NOUN
fsr-3470	394	36	,	,	PUNCT
fsr-3470	394	37	income	income	NOUN
fsr-3470	394	38	,	,	PUNCT
fsr-3470	394	39	race	race	NOUN
fsr-3470	394	40	/	/	SYM
fsr-3470	394	41	ethnicity	ethnicity	NOUN
fsr-3470	394	42	,	,	PUNCT
fsr-3470	394	43	net	net	ADJ
fsr-3470	394	44	worth	worth	NOUN
fsr-3470	394	45	,	,	PUNCT
fsr-3470	394	46	and	and	CCONJ
fsr-3470	394	47	general	general	ADJ
fsr-3470	394	48	financial	financial	ADJ
fsr-3470	394	49	literacy	literacy	NOUN
fsr-3470	394	50	(	(	PUNCT
fsr-3470	394	51	see	see	VERB
fsr-3470	394	52	table	table	NOUN
fsr-3470	394	53	5	5	NUM
fsr-3470	394	54	)	)	PUNCT
fsr-3470	394	55	.	.	PUNCT
fsr-3470	395	1	4.5	4.5	NUM
fsr-3470	395	2	.	.	PUNCT
fsr-3470	396	1	fee	fee	NOUN
fsr-3470	396	2	calculation	calculation	NOUN
fsr-3470	396	3	skill	skill	NOUN
fsr-3470	396	4	we	we	PRON
fsr-3470	396	5	presented	present	VERB
fsr-3470	396	6	survey	survey	NOUN
fsr-3470	396	7	respondents	respondent	NOUN
fsr-3470	396	8	with	with	ADP
fsr-3470	396	9	information	information	NOUN
fsr-3470	396	10	showing	show	VERB
fsr-3470	396	11	a	a	DET
fsr-3470	396	12	hypothetical	hypothetical	ADJ
fsr-3470	396	13	fund	fund	NOUN
fsr-3470	396	14	fee	fee	NOUN
fsr-3470	396	15	presentation	presentation	NOUN
fsr-3470	396	16	,	,	PUNCT
fsr-3470	396	17	and	and	CCONJ
fsr-3470	396	18	response	response	NOUN
fsr-3470	396	19	options	option	NOUN
fsr-3470	396	20	that	that	PRON
fsr-3470	396	21	offered	offer	VERB
fsr-3470	396	22	a	a	DET
fsr-3470	396	23	total	total	ADJ
fsr-3470	396	24	fee	fee	NOUN
fsr-3470	396	25	calculation	calculation	NOUN
fsr-3470	396	26	with	with	ADP
fsr-3470	396	27	a	a	DET
fsr-3470	396	28	rationale	rationale	NOUN
fsr-3470	396	29	for	for	ADP
fsr-3470	396	30	each	each	DET
fsr-3470	396	31	response	response	NOUN
fsr-3470	396	32	.	.	PUNCT
fsr-3470	397	1	respondents	respondent	NOUN
fsr-3470	397	2	were	be	AUX
fsr-3470	397	3	asked	ask	VERB
fsr-3470	397	4	to	to	PART
fsr-3470	397	5	identify	identify	VERB
fsr-3470	397	6	the	the	DET
fsr-3470	397	7	response	response	NOUN
fsr-3470	397	8	option	option	NOUN
fsr-3470	397	9	that	that	PRON
fsr-3470	397	10	correctly	correctly	ADV
fsr-3470	397	11	approximated	approximate	VERB
fsr-3470	397	12	the	the	DET
fsr-3470	397	13	amount	amount	NOUN
fsr-3470	397	14	of	of	ADP
fsr-3470	397	15	fees	fee	NOUN
fsr-3470	397	16	paid	pay	VERB
fsr-3470	397	17	to	to	ADP
fsr-3470	397	18	the	the	DET
fsr-3470	397	19	fund	fund	NOUN
fsr-3470	397	20	’s	’s	PART
fsr-3470	397	21	management	management	NOUN
fsr-3470	397	22	company	company	NOUN
fsr-3470	397	23	in	in	ADP
fsr-3470	397	24	a	a	DET
fsr-3470	397	25	year	year	NOUN
fsr-3470	397	26	.	.	PUNCT
fsr-3470	398	1	we	we	PRON
fsr-3470	398	2	developed	develop	VERB
fsr-3470	398	3	this	this	DET
fsr-3470	398	4	question	question	NOUN
fsr-3470	398	5	to	to	PART
fsr-3470	398	6	eliminate	eliminate	VERB
fsr-3470	398	7	challenges	challenge	NOUN
fsr-3470	398	8	associated	associate	VERB
fsr-3470	398	9	with	with	ADP
fsr-3470	398	10	numerical	numerical	ADJ
fsr-3470	398	11	ability	ability	NOUN
fsr-3470	398	12	,	,	PUNCT
fsr-3470	398	13	while	while	SCONJ
fsr-3470	398	14	at	at	ADP
fsr-3470	398	15	the	the	DET
fsr-3470	398	16	same	same	ADJ
fsr-3470	398	17	table	table	NOUN
fsr-3470	398	18	4	4	NUM
fsr-3470	398	19	descriptive	descriptive	ADJ
fsr-3470	398	20	regression	regression	NOUN
fsr-3470	398	21	estimates	estimate	NOUN
fsr-3470	398	22	fee	fee	NOUN
fsr-3470	398	23	calculation	calculation	NOUN
fsr-3470	398	24	(	(	PUNCT
fsr-3470	398	25	1	1	X
fsr-3470	398	26	)	)	PUNCT
fsr-3470	398	27	investor	investor	NOUN
fsr-3470	398	28	(	(	PUNCT
fsr-3470	398	29	2	2	NUM
fsr-3470	398	30	)	)	PUNCT
fsr-3470	398	31	fwb	fwb	NOUN
fsr-3470	398	32	(	(	PUNCT
fsr-3470	398	33	3	3	X
fsr-3470	398	34	)	)	PUNCT
fsr-3470	398	35	mutual	mutual	ADJ
fsr-3470	398	36	fund	fund	NOUN
fsr-3470	398	37	knowledge	knowledge	NOUN
fsr-3470	398	38	(	(	PUNCT
fsr-3470	398	39	sd	sd	NOUN
fsr-3470	398	40	)	)	PUNCT
fsr-3470	398	41	0.104	0.104	NUM
fsr-3470	398	42	*	*	PUNCT
fsr-3470	398	43	*	*	PUNCT
fsr-3470	398	44	*	*	PUNCT
fsr-3470	398	45	(	(	PUNCT
fsr-3470	398	46	0.008	0.008	NUM
fsr-3470	398	47	)	)	PUNCT
fsr-3470	398	48	0.053	0.053	NUM
fsr-3470	398	49	*	*	PUNCT
fsr-3470	398	50	*	*	PUNCT
fsr-3470	398	51	*	*	PUNCT
fsr-3470	398	52	(	(	PUNCT
fsr-3470	398	53	0.006	0.006	NUM
fsr-3470	398	54	)	)	PUNCT
fsr-3470	398	55	0.753	0.753	NUM
fsr-3470	398	56	*	*	PUNCT
fsr-3470	398	57	*	*	PUNCT
fsr-3470	398	58	*	*	PUNCT
fsr-3470	398	59	(	(	PUNCT
fsr-3470	398	60	0.238	0.238	NUM
fsr-3470	398	61	)	)	PUNCT
fsr-3470	398	62	financial	financial	ADJ
fsr-3470	398	63	literacy	literacy	NOUN
fsr-3470	398	64	(	(	PUNCT
fsr-3470	398	65	sd	sd	NOUN
fsr-3470	398	66	)	)	PUNCT
fsr-3470	398	67	0.021	0.021	NUM
fsr-3470	398	68	*	*	PUNCT
fsr-3470	398	69	*	*	PUNCT
fsr-3470	398	70	(	(	PUNCT
fsr-3470	398	71	0.009	0.009	NUM
fsr-3470	398	72	)	)	PUNCT
fsr-3470	398	73	0.001	0.001	NUM
fsr-3470	398	74	(	(	PUNCT
fsr-3470	398	75	0.007	0.007	NUM
fsr-3470	398	76	)	)	PUNCT
fsr-3470	398	77	0.497	0.497	NUM
fsr-3470	398	78	*	*	PUNCT
fsr-3470	398	79	(	(	PUNCT
fsr-3470	398	80	0.264	0.264	NOUN
fsr-3470	398	81	)	)	PUNCT
fsr-3470	398	82	female	female	ADJ
fsr-3470	398	83	�	�	PROPN
fsr-3470	398	84	0.043	0.043	NUM
fsr-3470	398	85	*	*	PUNCT
fsr-3470	398	86	*	*	PUNCT
fsr-3470	398	87	*	*	PUNCT
fsr-3470	398	88	(	(	PUNCT
fsr-3470	398	89	0.015	0.015	NUM
fsr-3470	398	90	)	)	PUNCT
fsr-3470	398	91	0.022	0.022	NUM
fsr-3470	398	92	*	*	PUNCT
fsr-3470	398	93	*	*	PUNCT
fsr-3470	398	94	(	(	PUNCT
fsr-3470	398	95	0.011	0.011	NUM
fsr-3470	398	96	)	)	PUNCT
fsr-3470	398	97	�	�	PROPN
fsr-3470	398	98	0.554	0.554	NUM
fsr-3470	398	99	(	(	PUNCT
fsr-3470	398	100	0.416	0.416	NUM
fsr-3470	398	101	)	)	PUNCT
fsr-3470	398	102	age	age	NOUN
fsr-3470	398	103	30–44	30–44	NUM
fsr-3470	398	104	0.008	0.008	NUM
fsr-3470	398	105	(	(	PUNCT
fsr-3470	398	106	0.036	0.036	NUM
fsr-3470	398	107	)	)	PUNCT
fsr-3470	398	108	�	�	PROPN
fsr-3470	398	109	0.037	0.037	NUM
fsr-3470	398	110	(	(	PUNCT
fsr-3470	398	111	0.027	0.027	NUM
fsr-3470	398	112	)	)	PUNCT
fsr-3470	398	113	�	�	PROPN
fsr-3470	398	114	4.023	4.023	NUM
fsr-3470	398	115	*	*	PUNCT
fsr-3470	398	116	*	*	PUNCT
fsr-3470	398	117	*	*	PUNCT
fsr-3470	398	118	(	(	PUNCT
fsr-3470	398	119	1.034	1.034	NUM
fsr-3470	398	120	)	)	PUNCT
fsr-3470	398	121	age	age	NOUN
fsr-3470	398	122	45–59	45–59	NUM
fsr-3470	398	123	�	�	PROPN
fsr-3470	398	124	0.046	0.046	NUM
fsr-3470	398	125	(	(	PUNCT
fsr-3470	398	126	0.036	0.036	NUM
fsr-3470	398	127	)	)	PUNCT
fsr-3470	398	128	�	�	PROPN
fsr-3470	398	129	0.071	0.071	NUM
fsr-3470	398	130	*	*	PUNCT
fsr-3470	398	131	*	*	PUNCT
fsr-3470	398	132	*	*	PUNCT
fsr-3470	398	133	(	(	PUNCT
fsr-3470	398	134	0.027	0.027	NUM
fsr-3470	398	135	)	)	PUNCT
fsr-3470	398	136	�	�	PROPN
fsr-3470	398	137	4.747	4.747	NUM
fsr-3470	398	138	*	*	PUNCT
fsr-3470	398	139	*	*	PUNCT
fsr-3470	398	140	*	*	PUNCT
fsr-3470	398	141	(	(	PUNCT
fsr-3470	398	142	1.039	1.039	NUM
fsr-3470	398	143	)	)	PUNCT
fsr-3470	398	144	age	age	NOUN
fsr-3470	398	145	60	60	NUM
fsr-3470	398	146	+	+	NUM
fsr-3470	398	147	�	�	PROPN
fsr-3470	398	148	0.068	0.068	NUM
fsr-3470	398	149	*	*	SYM
fsr-3470	398	150	(	(	PUNCT
fsr-3470	398	151	0.036	0.036	NUM
fsr-3470	398	152	)	)	PUNCT
fsr-3470	398	153	�	�	PROPN
fsr-3470	398	154	0.096	0.096	NUM
fsr-3470	398	155	*	*	PUNCT
fsr-3470	398	156	*	*	PUNCT
fsr-3470	398	157	*	*	PUNCT
fsr-3470	398	158	(	(	PUNCT
fsr-3470	398	159	0.027	0.027	NUM
fsr-3470	398	160	)	)	PUNCT
fsr-3470	398	161	3.060	3.060	NUM
fsr-3470	398	162	*	*	PUNCT
fsr-3470	398	163	*	*	PUNCT
fsr-3470	398	164	*	*	PUNCT
fsr-3470	398	165	(	(	PUNCT
fsr-3470	398	166	1.026	1.026	NUM
fsr-3470	398	167	)	)	PUNCT
fsr-3470	398	168	high	high	ADJ
fsr-3470	398	169	school	school	NOUN
fsr-3470	398	170	graduate	graduate	NOUN
fsr-3470	398	171	or	or	CCONJ
fsr-3470	398	172	equivalent	equivalent	ADJ
fsr-3470	398	173	�	�	PROPN
fsr-3470	398	174	0.038	0.038	NUM
fsr-3470	398	175	(	(	PUNCT
fsr-3470	398	176	0.070	0.070	NUM
fsr-3470	398	177	)	)	PUNCT
fsr-3470	398	178	0.064	0.064	NUM
fsr-3470	398	179	(	(	PUNCT
fsr-3470	398	180	0.052	0.052	NUM
fsr-3470	398	181	)	)	PUNCT
fsr-3470	398	182	�	�	PROPN
fsr-3470	398	183	4.132	4.132	NUM
fsr-3470	398	184	*	*	NOUN
fsr-3470	399	1	*	*	PUNCT
fsr-3470	400	1	(	(	PUNCT
fsr-3470	400	2	1.995	1.995	NUM
fsr-3470	400	3	)	)	PUNCT
fsr-3470	400	4	some	some	DET
fsr-3470	400	5	college	college	PROPN
fsr-3470	400	6	�	�	PROPN
fsr-3470	400	7	0.027	0.027	NUM
fsr-3470	400	8	(	(	PUNCT
fsr-3470	400	9	0.067	0.067	NUM
fsr-3470	400	10	)	)	PUNCT
fsr-3470	400	11	0.089	0.089	NUM
fsr-3470	400	12	*	*	SYM
fsr-3470	400	13	(	(	PUNCT
fsr-3470	400	14	0.050	0.050	NUM
fsr-3470	400	15	)	)	PUNCT
fsr-3470	400	16	�	�	PROPN
fsr-3470	400	17	3.582	3.582	NUM
fsr-3470	400	18	*	*	NOUN
fsr-3470	400	19	(	(	PUNCT
fsr-3470	400	20	1.921	1.921	NUM
fsr-3470	400	21	)	)	PUNCT
fsr-3470	400	22	ba	ba	NOUN
fsr-3470	400	23	or	or	CCONJ
fsr-3470	400	24	above	above	ADP
fsr-3470	400	25	0.017	0.017	NUM
fsr-3470	400	26	(	(	PUNCT
fsr-3470	400	27	0.067	0.067	NUM
fsr-3470	400	28	)	)	PUNCT
fsr-3470	400	29	0.124	0.124	NUM
fsr-3470	401	1	*	*	PUNCT
fsr-3470	401	2	*	*	PUNCT
fsr-3470	401	3	(	(	PUNCT
fsr-3470	401	4	0.050	0.050	NUM
fsr-3470	401	5	)	)	PUNCT
fsr-3470	401	6	�	�	PROPN
fsr-3470	401	7	1.886	1.886	NUM
fsr-3470	401	8	(	(	PUNCT
fsr-3470	401	9	1.926	1.926	NUM
fsr-3470	401	10	)	)	PUNCT
fsr-3470	401	11	income	income	NOUN
fsr-3470	401	12	(	(	PUNCT
fsr-3470	401	13	usd	usd	NOUN
fsr-3470	401	14	35,000–59,999	35,000–59,999	NUM
fsr-3470	401	15	)	)	PUNCT
fsr-3470	401	16	�	�	NOUN
fsr-3470	401	17	0.004	0.004	NUM
fsr-3470	401	18	(	(	PUNCT
fsr-3470	401	19	0.024	0.024	NUM
fsr-3470	401	20	)	)	PUNCT
fsr-3470	401	21	0.192	0.192	NUM
fsr-3470	401	22	*	*	PUNCT
fsr-3470	401	23	*	*	PUNCT
fsr-3470	401	24	*	*	PUNCT
fsr-3470	401	25	(	(	PUNCT
fsr-3470	401	26	0.018	0.018	NUM
fsr-3470	401	27	)	)	PUNCT
fsr-3470	401	28	2.884	2.884	NUM
fsr-3470	401	29	*	*	PUNCT
fsr-3470	401	30	*	*	PUNCT
fsr-3470	401	31	*	*	PUNCT
fsr-3470	401	32	(	(	PUNCT
fsr-3470	401	33	0.688	0.688	NUM
fsr-3470	401	34	)	)	PUNCT
fsr-3470	401	35	income	income	NOUN
fsr-3470	401	36	(	(	PUNCT
fsr-3470	401	37	usd	usd	NOUN
fsr-3470	401	38	60,000–99,999	60,000–99,999	NOUN
fsr-3470	401	39	)	)	PUNCT
fsr-3470	401	40	0.012	0.012	NUM
fsr-3470	401	41	(	(	PUNCT
fsr-3470	401	42	0.022	0.022	NUM
fsr-3470	401	43	)	)	PUNCT
fsr-3470	401	44	0.259	0.259	NUM
fsr-3470	401	45	*	*	PUNCT
fsr-3470	401	46	*	*	PUNCT
fsr-3470	401	47	*	*	PUNCT
fsr-3470	401	48	(	(	PUNCT
fsr-3470	401	49	0.017	0.017	NUM
fsr-3470	401	50	)	)	PUNCT
fsr-3470	401	51	6.591	6.591	NUM
fsr-3470	401	52	*	*	PUNCT
fsr-3470	401	53	*	*	PUNCT
fsr-3470	401	54	*	*	PUNCT
fsr-3470	401	55	(	(	PUNCT
fsr-3470	401	56	0.632	0.632	NUM
fsr-3470	401	57	)	)	PUNCT
fsr-3470	401	58	income	income	NOUN
fsr-3470	401	59	(	(	PUNCT
fsr-3470	401	60	usd	usd	NOUN
fsr-3470	401	61	100,000	100,000	NUM
fsr-3470	401	62	+	+	NOUN
fsr-3470	401	63	)	)	PUNCT
fsr-3470	401	64	0.032	0.032	NUM
fsr-3470	401	65	(	(	PUNCT
fsr-3470	401	66	0.022	0.022	NUM
fsr-3470	401	67	)	)	PUNCT
fsr-3470	401	68	0.273	0.273	NUM
fsr-3470	401	69	*	*	PUNCT
fsr-3470	401	70	*	*	PUNCT
fsr-3470	401	71	*	*	PUNCT
fsr-3470	401	72	(	(	PUNCT
fsr-3470	401	73	0.017	0.017	NUM
fsr-3470	401	74	)	)	PUNCT
fsr-3470	401	75	8.910	8.910	NUM
fsr-3470	401	76	*	*	PUNCT
fsr-3470	401	77	*	*	PUNCT
fsr-3470	401	78	*	*	PUNCT
fsr-3470	401	79	(	(	PUNCT
fsr-3470	401	80	0.638	0.638	NUM
fsr-3470	401	81	)	)	PUNCT
fsr-3470	401	82	black	black	ADJ
fsr-3470	401	83	0.021	0.021	NUM
fsr-3470	401	84	(	(	PUNCT
fsr-3470	401	85	0.037	0.037	NUM
fsr-3470	401	86	)	)	PUNCT
fsr-3470	401	87	0.046	0.046	NUM
fsr-3470	401	88	*	*	PUNCT
fsr-3470	401	89	(	(	PUNCT
fsr-3470	401	90	0.028	0.028	NUM
fsr-3470	401	91	)	)	PUNCT
fsr-3470	401	92	1.372	1.372	NUM
fsr-3470	401	93	(	(	PUNCT
fsr-3470	401	94	1.054	1.054	NUM
fsr-3470	401	95	)	)	PUNCT
fsr-3470	401	96	hispanic	hispanic	PROPN
fsr-3470	401	97	�	�	PROPN
fsr-3470	401	98	0.068	0.068	NUM
fsr-3470	401	99	*	*	NOUN
fsr-3470	401	100	*	*	PUNCT
fsr-3470	401	101	(	(	PUNCT
fsr-3470	401	102	0.033	0.033	NUM
fsr-3470	401	103	)	)	PUNCT
fsr-3470	401	104	�	�	PROPN
fsr-3470	401	105	0.014	0.014	NUM
fsr-3470	401	106	(	(	PUNCT
fsr-3470	401	107	0.024	0.024	NUM
fsr-3470	401	108	)	)	PUNCT
fsr-3470	401	109	�	�	PROPN
fsr-3470	401	110	0.729	0.729	NUM
fsr-3470	401	111	(	(	PUNCT
fsr-3470	401	112	0.931	0.931	NUM
fsr-3470	401	113	)	)	PUNCT
fsr-3470	401	114	race	race	NOUN
fsr-3470	401	115	other	other	ADJ
fsr-3470	401	116	0.030	0.030	NUM
fsr-3470	401	117	(	(	PUNCT
fsr-3470	401	118	0.026	0.026	NUM
fsr-3470	401	119	)	)	PUNCT
fsr-3470	401	120	�	�	PROPN
fsr-3470	401	121	0.053	0.053	NUM
fsr-3470	401	122	*	*	PUNCT
fsr-3470	402	1	*	*	PUNCT
fsr-3470	402	2	*	*	PUNCT
fsr-3470	402	3	(	(	PUNCT
fsr-3470	402	4	0.019	0.019	NUM
fsr-3470	402	5	)	)	PUNCT
fsr-3470	402	6	�	�	PROPN
fsr-3470	402	7	2.378	2.378	NUM
fsr-3470	402	8	*	*	PUNCT
fsr-3470	402	9	*	*	PUNCT
fsr-3470	402	10	*	*	PUNCT
fsr-3470	402	11	(	(	PUNCT
fsr-3470	402	12	0.733	0.733	NUM
fsr-3470	402	13	)	)	PUNCT
fsr-3470	402	14	net	net	ADJ
fsr-3470	402	15	worth	worth	NOUN
fsr-3470	402	16	(	(	PUNCT
fsr-3470	402	17	breakeven	breakeven	ADJ
fsr-3470	402	18	)	)	PUNCT
fsr-3470	402	19	�	�	PROPN
fsr-3470	402	20	0.008	0.008	NUM
fsr-3470	402	21	(	(	PUNCT
fsr-3470	402	22	0.030	0.030	NUM
fsr-3470	402	23	)	)	PUNCT
fsr-3470	402	24	0.030	0.030	NUM
fsr-3470	402	25	(	(	PUNCT
fsr-3470	402	26	0.022	0.022	NUM
fsr-3470	402	27	)	)	PUNCT
fsr-3470	402	28	3.056	3.056	NUM
fsr-3470	402	29	*	*	PUNCT
fsr-3470	403	1	*	*	PUNCT
fsr-3470	403	2	*	*	PUNCT
fsr-3470	403	3	(	(	PUNCT
fsr-3470	403	4	0.850	0.850	NUM
fsr-3470	403	5	)	)	PUNCT
fsr-3470	403	6	net	net	ADJ
fsr-3470	403	7	worth	worth	ADJ
fsr-3470	403	8	(	(	PUNCT
fsr-3470	403	9	positive	positive	ADJ
fsr-3470	403	10	)	)	PUNCT
fsr-3470	403	11	0.036	0.036	NUM
fsr-3470	403	12	(	(	PUNCT
fsr-3470	403	13	0.023	0.023	NUM
fsr-3470	403	14	)	)	PUNCT
fsr-3470	403	15	0.138	0.138	NUM
fsr-3470	403	16	*	*	PUNCT
fsr-3470	403	17	*	*	PUNCT
fsr-3470	403	18	*	*	PUNCT
fsr-3470	403	19	(	(	PUNCT
fsr-3470	403	20	0.017	0.017	NUM
fsr-3470	403	21	)	)	PUNCT
fsr-3470	403	22	9.510	9.510	NUM
fsr-3470	403	23	*	*	PUNCT
fsr-3470	403	24	*	*	PUNCT
fsr-3470	403	25	*	*	PUNCT
fsr-3470	403	26	(	(	PUNCT
fsr-3470	403	27	0.647	0.647	NUM
fsr-3470	403	28	)	)	PUNCT
fsr-3470	403	29	constant	constant	ADJ
fsr-3470	403	30	0.233	0.233	NUM
fsr-3470	403	31	*	*	PUNCT
fsr-3470	403	32	*	*	PUNCT
fsr-3470	403	33	*	*	PUNCT
fsr-3470	403	34	(	(	PUNCT
fsr-3470	403	35	0.076	0.076	NUM
fsr-3470	403	36	)	)	PUNCT
fsr-3470	403	37	0.499	0.499	NUM
fsr-3470	403	38	*	*	PUNCT
fsr-3470	403	39	*	*	PUNCT
fsr-3470	403	40	*	*	PUNCT
fsr-3470	403	41	(	(	PUNCT
fsr-3470	403	42	0.056	0.056	NUM
fsr-3470	403	43	)	)	PUNCT
fsr-3470	403	44	47.412	47.412	NUM
fsr-3470	403	45	*	*	PUNCT
fsr-3470	403	46	*	*	PUNCT
fsr-3470	403	47	*	*	PUNCT
fsr-3470	403	48	(	(	PUNCT
fsr-3470	403	49	2.158	2.158	NUM
fsr-3470	403	50	)	)	PUNCT
fsr-3470	403	51	observations	observation	NOUN
fsr-3470	403	52	3,444	3,444	NUM
fsr-3470	403	53	3,444	3,444	NUM
fsr-3470	403	54	3,444	3,444	NUM
fsr-3470	403	55	r2	r2	NOUN
fsr-3470	403	56	0.100	0.100	NUM
fsr-3470	403	57	0.198	0.198	NUM
fsr-3470	403	58	0.294	0.294	NUM
fsr-3470	403	59	adjusted	adjust	VERB
fsr-3470	403	60	r2	r2	PROPN
fsr-3470	403	61	0.096	0.096	NUM
fsr-3470	403	62	0.194	0.194	NUM
fsr-3470	403	63	0.291	0.291	NUM
fsr-3470	403	64	residual	residual	ADJ
fsr-3470	403	65	se	se	X
fsr-3470	403	66	(	(	PUNCT
fsr-3470	403	67	df	df	PROPN
fsr-3470	403	68	=	=	SYM
fsr-3470	403	69	3,426	3,426	NUM
fsr-3470	403	70	)	)	PUNCT
fsr-3470	403	71	0.402	0.402	NUM
fsr-3470	403	72	0.301	0.301	NUM
fsr-3470	403	73	11.490	11.490	NUM
fsr-3470	403	74	f	f	PROPN
fsr-3470	403	75	statistic	statistic	NOUN
fsr-3470	403	76	(	(	PUNCT
fsr-3470	403	77	df	df	PROPN
fsr-3470	403	78	=	=	SYM
fsr-3470	403	79	17	17	NUM
fsr-3470	403	80	;	;	PUNCT
fsr-3470	403	81	3,426	3,426	NUM
fsr-3470	403	82	)	)	PUNCT
fsr-3470	403	83	22.438	22.438	NUM
fsr-3470	403	84	*	*	PUNCT
fsr-3470	403	85	*	*	PUNCT
fsr-3470	403	86	*	*	PUNCT
fsr-3470	404	1	49.606	49.606	NUM
fsr-3470	404	2	*	*	PUNCT
fsr-3470	404	3	*	*	PUNCT
fsr-3470	404	4	*	*	PUNCT
fsr-3470	404	5	83.951	83.951	NUM
fsr-3470	404	6	*	*	PUNCT
fsr-3470	404	7	*	*	PUNCT
fsr-3470	404	8	*	*	PUNCT
fsr-3470	404	9	note	note	NOUN
fsr-3470	404	10	:	:	PUNCT
fsr-3470	404	11	fwb	fwb	PROPN
fsr-3470	404	12	=	=	PUNCT
fsr-3470	404	13	cfpb	cfpb	NOUN
fsr-3470	404	14	’s	’s	PART
fsr-3470	404	15	financial	financial	ADJ
fsr-3470	404	16	well	well	NOUN
fsr-3470	404	17	-	-	PUNCT
fsr-3470	404	18	being	being	NOUN
fsr-3470	404	19	.	.	PUNCT
fsr-3470	405	1	*	*	PUNCT
fsr-3470	405	2	p	p	X
fsr-3470	405	3	<	<	X
fsr-3470	405	4	0.1	0.1	NUM
fsr-3470	405	5	,	,	PUNCT
fsr-3470	405	6	*	*	PUNCT
fsr-3470	405	7	*	*	PUNCT
fsr-3470	405	8	p	p	X
fsr-3470	405	9	<	<	X
fsr-3470	405	10	0.05	0.05	NUM
fsr-3470	405	11	,	,	PUNCT
fsr-3470	405	12	*	*	PUNCT
fsr-3470	405	13	*	*	PUNCT
fsr-3470	405	14	*	*	PUNCT
fsr-3470	405	15	p	p	X
fsr-3470	405	16	<	<	X
fsr-3470	405	17	0.01	0.01	NUM
fsr-3470	405	18	.	.	PUNCT
fsr-3470	406	1	48	48	NUM
fsr-3470	406	2	b.	b.	PROPN
fsr-3470	406	3	scholl	scholl	PROPN
fsr-3470	406	4	and	and	CCONJ
fsr-3470	406	5	a.	a.	NOUN
fsr-3470	406	6	fontes	fontes	PROPN
fsr-3470	406	7	/	/	SYM
fsr-3470	406	8	financial	financial	ADJ
fsr-3470	406	9	services	service	NOUN
fsr-3470	406	10	review	review	VERB
fsr-3470	406	11	30	30	NUM
fsr-3470	406	12	(	(	PUNCT
fsr-3470	406	13	2022	2022	NUM
fsr-3470	406	14	)	)	PUNCT
fsr-3470	406	15	31–56	31–56	NUM
fsr-3470	406	16	time	time	NOUN
fsr-3470	406	17	requiring	require	VERB
fsr-3470	406	18	knowledge	knowledge	NOUN
fsr-3470	406	19	of	of	ADP
fsr-3470	406	20	fee	fee	NOUN
fsr-3470	406	21	calculation	calculation	NOUN
fsr-3470	406	22	and	and	CCONJ
fsr-3470	406	23	approximate	approximate	ADJ
fsr-3470	406	24	valuation.19	valuation.19	NOUN
fsr-3470	406	25	only	only	ADV
fsr-3470	406	26	a	a	DET
fsr-3470	406	27	single	single	ADJ
fsr-3470	406	28	option	option	NOUN
fsr-3470	406	29	was	be	AUX
fsr-3470	406	30	correct	correct	ADJ
fsr-3470	406	31	.	.	PUNCT
fsr-3470	407	1	this	this	DET
fsr-3470	407	2	question	question	NOUN
fsr-3470	407	3	proximally	proximally	ADV
fsr-3470	407	4	relates	relate	VERB
fsr-3470	407	5	to	to	ADP
fsr-3470	407	6	optimal	optimal	ADJ
fsr-3470	407	7	decision	decision	NOUN
fsr-3470	407	8	making	making	NOUN
fsr-3470	407	9	in	in	ADP
fsr-3470	407	10	mutual	mutual	ADJ
fsr-3470	407	11	fund	fund	NOUN
fsr-3470	407	12	investment	investment	NOUN
fsr-3470	407	13	contexts	contexts	NOUN
fsr-3470	407	14	since	since	SCONJ
fsr-3470	407	15	fees	fee	NOUN
fsr-3470	407	16	directly	directly	ADV
fsr-3470	407	17	affect	affect	VERB
fsr-3470	407	18	net	net	ADJ
fsr-3470	407	19	fund	fund	NOUN
fsr-3470	407	20	returns	return	NOUN
fsr-3470	407	21	(	(	PUNCT
fsr-3470	407	22	e.g.	e.g.	ADV
fsr-3470	407	23	,	,	PUNCT
fsr-3470	407	24	see	see	VERB
fsr-3470	407	25	elton	elton	PROPN
fsr-3470	407	26	et	et	PROPN
fsr-3470	407	27	al	al	PROPN
fsr-3470	407	28	.	.	PROPN
fsr-3470	407	29	,	,	PUNCT
fsr-3470	407	30	1993	1993	NUM
fsr-3470	407	31	;	;	PUNCT
fsr-3470	407	32	elton	elton	PROPN
fsr-3470	407	33	&	&	CCONJ
fsr-3470	407	34	gruber	gruber	PROPN
fsr-3470	407	35	,	,	PUNCT
fsr-3470	407	36	2013	2013	NUM
fsr-3470	407	37	;	;	PUNCT
fsr-3470	407	38	elton	elton	PROPN
fsr-3470	407	39	et	et	PROPN
fsr-3470	407	40	al	al	PROPN
fsr-3470	407	41	.	.	PROPN
fsr-3470	407	42	,	,	PUNCT
fsr-3470	407	43	2011	2011	NUM
fsr-3470	407	44	;	;	PUNCT
fsr-3470	407	45	gruber	gruber	PROPN
fsr-3470	407	46	,	,	PUNCT
fsr-3470	407	47	1996	1996	NUM
fsr-3470	407	48	)	)	PUNCT
fsr-3470	407	49	.	.	PUNCT
fsr-3470	408	1	nevertheless	nevertheless	ADV
fsr-3470	408	2	,	,	PUNCT
fsr-3470	408	3	this	this	DET
fsr-3470	408	4	question	question	NOUN
fsr-3470	408	5	has	have	AUX
fsr-3470	408	6	proved	prove	VERB
fsr-3470	408	7	challenging	challenge	VERB
fsr-3470	408	8	for	for	ADP
fsr-3470	408	9	most	most	ADJ
fsr-3470	408	10	respondents	respondent	NOUN
fsr-3470	408	11	;	;	PUNCT
fsr-3470	408	12	in	in	ADP
fsr-3470	408	13	initial	initial	ADJ
fsr-3470	408	14	trials	trial	NOUN
fsr-3470	408	15	,	,	PUNCT
fsr-3470	408	16	we	we	PRON
fsr-3470	408	17	found	find	VERB
fsr-3470	408	18	that	that	SCONJ
fsr-3470	408	19	only	only	ADV
fsr-3470	408	20	20	20	NUM
fsr-3470	408	21	%	%	NOUN
fsr-3470	408	22	of	of	ADP
fsr-3470	408	23	survey	survey	NOUN
fsr-3470	408	24	participants	participant	NOUN
fsr-3470	408	25	correctly	correctly	ADV
fsr-3470	408	26	answered	answer	VERB
fsr-3470	408	27	this	this	DET
fsr-3470	408	28	question	question	NOUN
fsr-3470	408	29	(	(	PUNCT
fsr-3470	408	30	scholl	scholl	PROPN
fsr-3470	408	31	&	&	CCONJ
fsr-3470	408	32	fontes	fonte	NOUN
fsr-3470	408	33	,	,	PUNCT
fsr-3470	408	34	2019	2019	NUM
fsr-3470	408	35	)	)	PUNCT
fsr-3470	408	36	,	,	PUNCT
fsr-3470	408	37	and	and	CCONJ
fsr-3470	408	38	in	in	ADP
fsr-3470	408	39	the	the	DET
fsr-3470	408	40	current	current	ADJ
fsr-3470	408	41	survey	survey	NOUN
fsr-3470	408	42	only	only	ADV
fsr-3470	408	43	21.6	21.6	NUM
fsr-3470	408	44	%	%	NOUN
fsr-3470	408	45	answered	answer	VERB
fsr-3470	408	46	correctly	correctly	ADV
fsr-3470	408	47	.	.	PUNCT
fsr-3470	409	1	our	our	PRON
fsr-3470	409	2	model	model	NOUN
fsr-3470	409	3	suggests	suggest	VERB
fsr-3470	409	4	that	that	SCONJ
fsr-3470	409	5	higher	high	ADJ
fsr-3470	409	6	scores	score	NOUN
fsr-3470	409	7	on	on	ADP
fsr-3470	409	8	our	our	PRON
fsr-3470	409	9	index	index	NOUN
fsr-3470	409	10	are	be	AUX
fsr-3470	409	11	associated	associate	VERB
fsr-3470	409	12	with	with	ADP
fsr-3470	409	13	correct	correct	ADJ
fsr-3470	409	14	calculation	calculation	NOUN
fsr-3470	409	15	of	of	ADP
fsr-3470	409	16	the	the	DET
fsr-3470	409	17	mutual	mutual	ADJ
fsr-3470	409	18	fund	fund	NOUN
fsr-3470	409	19	fee	fee	NOUN
fsr-3470	409	20	.	.	PUNCT
fsr-3470	410	1	a	a	DET
fsr-3470	410	2	1	1	NUM
fsr-3470	410	3	sd	sd	NOUN
fsr-3470	410	4	increase	increase	NOUN
fsr-3470	410	5	in	in	ADP
fsr-3470	410	6	mutual	mutual	ADJ
fsr-3470	410	7	fund	fund	NOUN
fsr-3470	410	8	knowledge	knowledge	NOUN
fsr-3470	410	9	scores	score	NOUN
fsr-3470	410	10	corresponds	correspond	VERB
fsr-3470	410	11	to	to	ADP
fsr-3470	410	12	an	an	DET
fsr-3470	410	13	increase	increase	NOUN
fsr-3470	410	14	in	in	ADP
fsr-3470	410	15	the	the	DET
fsr-3470	410	16	likelihood	likelihood	NOUN
fsr-3470	410	17	of	of	ADP
fsr-3470	410	18	correctly	correctly	ADV
fsr-3470	410	19	answering	answer	VERB
fsr-3470	410	20	the	the	DET
fsr-3470	410	21	question	question	NOUN
fsr-3470	410	22	by	by	ADP
fsr-3470	410	23	10.4	10.4	NUM
fsr-3470	410	24	percentage	percentage	NOUN
fsr-3470	410	25	points	point	NOUN
fsr-3470	410	26	(	(	PUNCT
fsr-3470	410	27	table	table	NOUN
fsr-3470	410	28	4	4	NUM
fsr-3470	410	29	,	,	PUNCT
fsr-3470	410	30	column	column	NOUN
fsr-3470	410	31	1	1	NUM
fsr-3470	410	32	)	)	PUNCT
fsr-3470	410	33	.	.	PUNCT
fsr-3470	411	1	the	the	DET
fsr-3470	411	2	complementary	complementary	ADJ
fsr-3470	411	3	between	between	ADP
fsr-3470	411	4	our	our	PRON
fsr-3470	411	5	knowledge	knowledge	NOUN
fsr-3470	411	6	index	index	NOUN
fsr-3470	411	7	and	and	CCONJ
fsr-3470	411	8	general	general	ADJ
fsr-3470	411	9	financial	financial	ADJ
fsr-3470	411	10	literacy	literacy	NOUN
fsr-3470	411	11	is	be	AUX
fsr-3470	411	12	highlighted	highlight	VERB
fsr-3470	411	13	by	by	ADP
fsr-3470	411	14	the	the	DET
fsr-3470	411	15	fact	fact	NOUN
fsr-3470	411	16	that	that	SCONJ
fsr-3470	411	17	the	the	DET
fsr-3470	411	18	coefficient	coefficient	NOUN
fsr-3470	411	19	on	on	ADP
fsr-3470	411	20	our	our	PRON
fsr-3470	411	21	knowledge	knowledge	NOUN
fsr-3470	411	22	score	score	NOUN
fsr-3470	411	23	is	be	AUX
fsr-3470	411	24	strong	strong	ADJ
fsr-3470	411	25	and	and	CCONJ
fsr-3470	411	26	significant	significant	ADJ
fsr-3470	411	27	when	when	SCONJ
fsr-3470	411	28	general	general	ADJ
fsr-3470	411	29	financial	financial	ADJ
fsr-3470	411	30	literacy	literacy	NOUN
fsr-3470	411	31	and	and	CCONJ
fsr-3470	411	32	other	other	ADJ
fsr-3470	411	33	covariates	covariate	NOUN
fsr-3470	411	34	are	be	AUX
fsr-3470	411	35	included	include	VERB
fsr-3470	411	36	in	in	ADP
fsr-3470	411	37	the	the	DET
fsr-3470	411	38	regression	regression	NOUN
fsr-3470	411	39	model	model	NOUN
fsr-3470	411	40	.	.	PUNCT
fsr-3470	412	1	in	in	ADP
fsr-3470	412	2	terms	term	NOUN
fsr-3470	412	3	of	of	ADP
fsr-3470	412	4	relative	relative	ADJ
fsr-3470	412	5	explanatory	explanatory	ADJ
fsr-3470	412	6	impact	impact	NOUN
fsr-3470	412	7	,	,	PUNCT
fsr-3470	412	8	the	the	DET
fsr-3470	412	9	coefficient	coefficient	NOUN
fsr-3470	412	10	on	on	ADP
fsr-3470	412	11	mutual	mutual	ADJ
fsr-3470	412	12	fund	fund	NOUN
fsr-3470	412	13	knowledge	knowledge	NOUN
fsr-3470	412	14	was	be	AUX
fsr-3470	412	15	roughly	roughly	ADV
fsr-3470	412	16	five	five	NUM
fsr-3470	412	17	times	time	NOUN
fsr-3470	412	18	that	that	PRON
fsr-3470	412	19	of	of	ADP
fsr-3470	412	20	general	general	ADJ
fsr-3470	412	21	financial	financial	ADJ
fsr-3470	412	22	literacy	literacy	NOUN
fsr-3470	412	23	(	(	PUNCT
fsr-3470	412	24	0.02	0.02	NUM
fsr-3470	412	25	)	)	PUNCT
fsr-3470	412	26	.	.	PUNCT
fsr-3470	413	1	the	the	DET
fsr-3470	413	2	adjusted	adjust	VERB
fsr-3470	413	3	r2	r2	NOUN
fsr-3470	413	4	table	table	NOUN
fsr-3470	413	5	5	5	NUM
fsr-3470	413	6	specification	specification	NOUN
fsr-3470	413	7	of	of	ADP
fsr-3470	413	8	co	co	NOUN
fsr-3470	413	9	-	-	NOUN
fsr-3470	413	10	variates	variate	VERB
fsr-3470	413	11	co	co	ADJ
fsr-3470	413	12	-	-	ADJ
fsr-3470	413	13	variate	variate	ADJ
fsr-3470	413	14	specification	specification	NOUN
fsr-3470	413	15	gender	gender	NOUN
fsr-3470	413	16	(	(	PUNCT
fsr-3470	413	17	male	male	NOUN
fsr-3470	413	18	,	,	PUNCT
fsr-3470	413	19	or	or	CCONJ
fsr-3470	413	20	not	not	PART
fsr-3470	413	21	)	)	PUNCT
fsr-3470	413	22	age	age	NOUN
fsr-3470	413	23	18–29	18–29	NUM
fsr-3470	413	24	(	(	PUNCT
fsr-3470	413	25	omitted	omit	VERB
fsr-3470	413	26	)	)	PUNCT
fsr-3470	413	27	30–44	30–44	NUM
fsr-3470	413	28	45–59	45–59	NUM
fsr-3470	413	29	60	60	NUM
fsr-3470	413	30	+	+	NUM
fsr-3470	413	31	race	race	NOUN
fsr-3470	413	32	/	/	SYM
fsr-3470	413	33	ethnicity	ethnicity	NOUN
fsr-3470	413	34	white	white	ADJ
fsr-3470	413	35	non	non	ADJ
fsr-3470	413	36	-	-	ADJ
fsr-3470	413	37	hispanic	hispanic	ADJ
fsr-3470	413	38	(	(	PUNCT
fsr-3470	413	39	omitted	omit	VERB
fsr-3470	413	40	)	)	PUNCT
fsr-3470	413	41	african	african	ADJ
fsr-3470	413	42	american	american	ADJ
fsr-3470	413	43	non	non	ADJ
fsr-3470	413	44	-	-	ADJ
fsr-3470	413	45	hispanic	hispanic	ADJ
fsr-3470	413	46	hispanic	hispanic	ADJ
fsr-3470	413	47	other	other	ADJ
fsr-3470	413	48	education	education	NOUN
fsr-3470	413	49	no	no	DET
fsr-3470	413	50	high	high	ADJ
fsr-3470	413	51	school	school	NOUN
fsr-3470	413	52	diploma	diploma	NOUN
fsr-3470	413	53	(	(	PUNCT
fsr-3470	413	54	omitted	omit	VERB
fsr-3470	413	55	)	)	PUNCT
fsr-3470	413	56	hs	hs	PROPN
fsr-3470	413	57	graduate	graduate	NOUN
fsr-3470	413	58	or	or	CCONJ
fsr-3470	413	59	equivalent	equivalent	VERB
fsr-3470	413	60	some	some	DET
fsr-3470	413	61	college	college	NOUN
fsr-3470	413	62	ba	ba	PROPN
fsr-3470	413	63	or	or	CCONJ
fsr-3470	413	64	above	above	ADP
fsr-3470	413	65	income	income	NOUN
fsr-3470	413	66	less	less	ADJ
fsr-3470	413	67	than	than	ADP
fsr-3470	413	68	$	$	SYM
fsr-3470	413	69	35,000	35,000	NUM
fsr-3470	413	70	(	(	PUNCT
fsr-3470	413	71	omitted	omit	VERB
fsr-3470	413	72	)	)	PUNCT
fsr-3470	413	73	$	$	SYM
fsr-3470	413	74	35000–$59,999	35000–$59,999	NUM
fsr-3470	413	75	$	$	SYM
fsr-3470	413	76	60,000–$99,999	60,000–$99,999	NOUN
fsr-3470	413	77	$	$	SYM
fsr-3470	413	78	100,000	100,000	NUM
fsr-3470	413	79	or	or	CCONJ
fsr-3470	413	80	more	more	ADJ
fsr-3470	413	81	net	net	ADJ
fsr-3470	413	82	worth	worth	NOUN
fsr-3470	413	83	in	in	ADP
fsr-3470	413	84	debt	debt	NOUN
fsr-3470	413	85	(	(	PUNCT
fsr-3470	413	86	omitted	omit	VERB
fsr-3470	413	87	)	)	PUNCT
fsr-3470	413	88	zero	zero	NUM
fsr-3470	413	89	greater	great	ADJ
fsr-3470	413	90	than	than	ADP
fsr-3470	413	91	zero	zero	NUM
fsr-3470	413	92	fee	fee	NOUN
fsr-3470	413	93	calculation	calculation	NOUN
fsr-3470	413	94	(	(	PUNCT
fsr-3470	413	95	correct	correct	ADJ
fsr-3470	413	96	,	,	PUNCT
fsr-3470	413	97	or	or	CCONJ
fsr-3470	413	98	not	not	PART
fsr-3470	413	99	)	)	PUNCT
fsr-3470	413	100	financial	financial	ADJ
fsr-3470	413	101	well	well	ADV
fsr-3470	413	102	-	-	PUNCT
fsr-3470	413	103	being	be	AUX
fsr-3470	413	104	top	top	ADJ
fsr-3470	413	105	40	40	NUM
fsr-3470	413	106	%	%	NOUN
fsr-3470	413	107	of	of	ADP
fsr-3470	413	108	scores	score	NOUN
fsr-3470	413	109	financial	financial	ADJ
fsr-3470	413	110	literacy	literacy	NOUN
fsr-3470	413	111	score	score	NOUN
fsr-3470	413	112	(	(	PUNCT
fsr-3470	413	113	0–3	0–3	NOUN
fsr-3470	413	114	)	)	PUNCT
fsr-3470	413	115	low	low	ADJ
fsr-3470	413	116	literacy	literacy	NOUN
fsr-3470	413	117	=	=	SYM
fsr-3470	413	118	0	0	NUM
fsr-3470	413	119	correct	correct	ADJ
fsr-3470	413	120	high	high	ADJ
fsr-3470	413	121	literacy	literacy	NOUN
fsr-3470	413	122	=	=	SYM
fsr-3470	413	123	3	3	NUM
fsr-3470	413	124	correct	correct	PROPN
fsr-3470	413	125	b.	b.	PROPN
fsr-3470	413	126	scholl	scholl	PROPN
fsr-3470	413	127	and	and	CCONJ
fsr-3470	413	128	a.	a.	NOUN
fsr-3470	413	129	fontes	fontes	PROPN
fsr-3470	413	130	/	/	SYM
fsr-3470	413	131	financial	financial	ADJ
fsr-3470	413	132	services	service	NOUN
fsr-3470	413	133	review	review	VERB
fsr-3470	413	134	30	30	NUM
fsr-3470	413	135	(	(	PUNCT
fsr-3470	413	136	2022	2022	NUM
fsr-3470	413	137	)	)	PUNCT
fsr-3470	413	138	31–56	31–56	NUM
fsr-3470	413	139	49	49	NUM
fsr-3470	413	140	for	for	ADP
fsr-3470	413	141	the	the	DET
fsr-3470	413	142	regression	regression	NOUN
fsr-3470	413	143	is	be	AUX
fsr-3470	413	144	0.096	0.096	NUM
fsr-3470	413	145	,	,	PUNCT
fsr-3470	413	146	and	and	CCONJ
fsr-3470	413	147	analysis	analysis	NOUN
fsr-3470	413	148	of	of	ADP
fsr-3470	413	149	variance	variance	NOUN
fsr-3470	413	150	(	(	PUNCT
fsr-3470	413	151	anova	anova	PROPN
fsr-3470	413	152	)	)	PUNCT
fsr-3470	413	153	analysis	analysis	NOUN
fsr-3470	413	154	suggests	suggest	VERB
fsr-3470	413	155	that	that	SCONJ
fsr-3470	413	156	8.9	8.9	NUM
fsr-3470	413	157	%	%	NOUN
fsr-3470	413	158	of	of	ADP
fsr-3470	413	159	the	the	DET
fsr-3470	413	160	total	total	ADJ
fsr-3470	413	161	sum	sum	NOUN
fsr-3470	413	162	of	of	ADP
fsr-3470	413	163	squares	square	NOUN
fsr-3470	413	164	is	be	AUX
fsr-3470	413	165	explained	explain	VERB
fsr-3470	413	166	by	by	ADP
fsr-3470	413	167	mutual	mutual	ADJ
fsr-3470	413	168	fund	fund	NOUN
fsr-3470	413	169	knowledge	knowledge	NOUN
fsr-3470	413	170	,	,	PUNCT
fsr-3470	413	171	relative	relative	ADJ
fsr-3470	413	172	to	to	ADP
fsr-3470	413	173	0.004	0.004	NUM
fsr-3470	413	174	%	%	NOUN
fsr-3470	413	175	explained	explain	VERB
fsr-3470	413	176	by	by	ADP
fsr-3470	413	177	variation	variation	NOUN
fsr-3470	413	178	in	in	ADP
fsr-3470	413	179	general	general	ADJ
fsr-3470	413	180	financial	financial	ADJ
fsr-3470	413	181	literacy	literacy	NOUN
fsr-3470	413	182	(	(	PUNCT
fsr-3470	413	183	mean	mean	VERB
fsr-3470	413	184	squared	square	VERB
fsr-3470	413	185	error	error	NOUN
fsr-3470	413	186	of	of	ADP
fsr-3470	413	187	49.8	49.8	NUM
fsr-3470	413	188	vs.	vs.	ADP
fsr-3470	413	189	2.3	2.3	NUM
fsr-3470	413	190	;	;	PUNCT
fsr-3470	413	191	fstatistic	fstatistic	NOUN
fsr-3470	413	192	of	of	ADP
fsr-3470	413	193	308.45	308.45	NUM
fsr-3470	413	194	and	and	CCONJ
fsr-3470	413	195	14.45	14.45	NUM
fsr-3470	413	196	,	,	PUNCT
fsr-3470	413	197	respectively	respectively	ADV
fsr-3470	413	198	)	)	PUNCT
fsr-3470	413	199	.	.	PUNCT
fsr-3470	414	1	these	these	DET
fsr-3470	414	2	results	result	NOUN
fsr-3470	414	3	suggest	suggest	VERB
fsr-3470	414	4	that	that	SCONJ
fsr-3470	414	5	the	the	DET
fsr-3470	414	6	mutual	mutual	ADJ
fsr-3470	414	7	fund	fund	NOUN
fsr-3470	414	8	knowledge	knowledge	PROPN
fsr-3470	414	9	index	index	PROPN
fsr-3470	414	10	rank	rank	NOUN
fsr-3470	414	11	orders	order	NOUN
fsr-3470	414	12	respondents	respondent	NOUN
fsr-3470	414	13	by	by	ADP
fsr-3470	414	14	fee	fee	NOUN
fsr-3470	414	15	calculation	calculation	NOUN
fsr-3470	414	16	skill	skill	NOUN
fsr-3470	414	17	proficiency	proficiency	NOUN
fsr-3470	414	18	,	,	PUNCT
fsr-3470	414	19	which	which	PRON
fsr-3470	414	20	is	be	AUX
fsr-3470	414	21	highly	highly	ADV
fsr-3470	414	22	important	important	ADJ
fsr-3470	414	23	in	in	ADP
fsr-3470	414	24	investment	investment	NOUN
fsr-3470	414	25	decision	decision	NOUN
fsr-3470	414	26	making	making	NOUN
fsr-3470	414	27	.	.	PUNCT
fsr-3470	415	1	while	while	SCONJ
fsr-3470	415	2	general	general	ADJ
fsr-3470	415	3	financial	financial	ADJ
fsr-3470	415	4	literacy	literacy	NOUN
fsr-3470	415	5	remains	remain	VERB
fsr-3470	415	6	an	an	DET
fsr-3470	415	7	important	important	ADJ
fsr-3470	415	8	factor	factor	NOUN
fsr-3470	415	9	in	in	ADP
fsr-3470	415	10	predicting	predict	VERB
fsr-3470	415	11	a	a	DET
fsr-3470	415	12	correct	correct	ADJ
fsr-3470	415	13	response	response	NOUN
fsr-3470	415	14	to	to	ADP
fsr-3470	415	15	the	the	DET
fsr-3470	415	16	fee	fee	NOUN
fsr-3470	415	17	calculation	calculation	NOUN
fsr-3470	415	18	question	question	NOUN
fsr-3470	415	19	,	,	PUNCT
fsr-3470	415	20	the	the	DET
fsr-3470	415	21	much	much	ADV
fsr-3470	415	22	larger	large	ADJ
fsr-3470	415	23	relationship	relationship	NOUN
fsr-3470	415	24	with	with	ADP
fsr-3470	415	25	mutual	mutual	ADJ
fsr-3470	415	26	fund	fund	NOUN
fsr-3470	415	27	literacy	literacy	NOUN
fsr-3470	415	28	supports	support	VERB
fsr-3470	415	29	the	the	DET
fsr-3470	415	30	idea	idea	NOUN
fsr-3470	415	31	that	that	SCONJ
fsr-3470	415	32	a	a	DET
fsr-3470	415	33	specific	specific	ADJ
fsr-3470	415	34	measure	measure	NOUN
fsr-3470	415	35	of	of	ADP
fsr-3470	415	36	knowledge	knowledge	NOUN
fsr-3470	415	37	related	relate	VERB
fsr-3470	415	38	to	to	ADP
fsr-3470	415	39	mutual	mutual	ADJ
fsr-3470	415	40	funds	fund	NOUN
fsr-3470	415	41	is	be	AUX
fsr-3470	415	42	more	more	ADV
fsr-3470	415	43	relevant	relevant	ADJ
fsr-3470	415	44	to	to	ADP
fsr-3470	415	45	modeling	model	VERB
fsr-3470	415	46	decision	decision	NOUN
fsr-3470	415	47	making	making	NOUN
fsr-3470	415	48	.	.	PUNCT
fsr-3470	416	1	furthermore	furthermore	ADV
fsr-3470	416	2	,	,	PUNCT
fsr-3470	416	3	controlling	control	VERB
fsr-3470	416	4	for	for	ADP
fsr-3470	416	5	other	other	ADJ
fsr-3470	416	6	demographic	demographic	ADJ
fsr-3470	416	7	characteristics	characteristic	NOUN
fsr-3470	416	8	,	,	PUNCT
fsr-3470	416	9	only	only	ADV
fsr-3470	416	10	with	with	ADP
fsr-3470	416	11	a	a	DET
fsr-3470	416	12	perfect	perfect	ADJ
fsr-3470	416	13	score	score	NOUN
fsr-3470	416	14	on	on	ADP
fsr-3470	416	15	our	our	PRON
fsr-3470	416	16	knowledge	knowledge	NOUN
fsr-3470	416	17	index	index	NOUN
fsr-3470	416	18	is	be	AUX
fsr-3470	416	19	an	an	DET
fsr-3470	416	20	individual	individual	NOUN
fsr-3470	416	21	more	more	ADV
fsr-3470	416	22	likely	likely	ADJ
fsr-3470	416	23	to	to	PART
fsr-3470	416	24	correctly	correctly	ADV
fsr-3470	416	25	answer	answer	VERB
fsr-3470	416	26	our	our	PRON
fsr-3470	416	27	fee	fee	NOUN
fsr-3470	416	28	calculation	calculation	NOUN
fsr-3470	416	29	question	question	NOUN
fsr-3470	416	30	than	than	SCONJ
fsr-3470	416	31	to	to	PART
fsr-3470	416	32	get	get	VERB
fsr-3470	416	33	it	it	PRON
fsr-3470	416	34	wrong	wrong	ADJ
fsr-3470	416	35	—	—	PUNCT
fsr-3470	416	36	only	only	ADV
fsr-3470	416	37	1.3	1.3	NUM
fsr-3470	416	38	%	%	NOUN
fsr-3470	416	39	of	of	ADP
fsr-3470	416	40	respondents	respondent	NOUN
fsr-3470	416	41	scored	score	VERB
fsr-3470	416	42	this	this	DET
fsr-3470	416	43	high	high	NOUN
fsr-3470	416	44	.	.	PUNCT
fsr-3470	417	1	4.6	4.6	NUM
fsr-3470	417	2	.	.	PUNCT
fsr-3470	418	1	investor	investor	NOUN
fsr-3470	418	2	status	status	NOUN
fsr-3470	418	3	(	(	PUNCT
fsr-3470	418	4	investor	investor	NOUN
fsr-3470	418	5	participation	participation	NOUN
fsr-3470	418	6	)	)	PUNCT
fsr-3470	418	7	if	if	SCONJ
fsr-3470	418	8	our	our	PRON
fsr-3470	418	9	index	index	NOUN
fsr-3470	418	10	is	be	AUX
fsr-3470	418	11	appropriately	appropriately	ADV
fsr-3470	418	12	measuring	measure	VERB
fsr-3470	418	13	mutual	mutual	ADJ
fsr-3470	418	14	fund	fund	NOUN
fsr-3470	418	15	knowledge	knowledge	NOUN
fsr-3470	418	16	,	,	PUNCT
fsr-3470	418	17	we	we	PRON
fsr-3470	418	18	expect	expect	VERB
fsr-3470	418	19	to	to	PART
fsr-3470	418	20	find	find	VERB
fsr-3470	418	21	that	that	SCONJ
fsr-3470	418	22	higher	high	ADJ
fsr-3470	418	23	scores	score	NOUN
fsr-3470	418	24	are	be	AUX
fsr-3470	418	25	associated	associate	VERB
fsr-3470	418	26	with	with	ADP
fsr-3470	418	27	a	a	DET
fsr-3470	418	28	higher	high	ADJ
fsr-3470	418	29	likelihood	likelihood	NOUN
fsr-3470	418	30	of	of	ADP
fsr-3470	418	31	owning	own	VERB
fsr-3470	418	32	financial	financial	ADJ
fsr-3470	418	33	securities	security	NOUN
fsr-3470	418	34	investments	investment	NOUN
fsr-3470	418	35	.	.	PUNCT
fsr-3470	419	1	as	as	ADP
fsr-3470	419	2	per	per	ADP
fsr-3470	419	3	scholl	scholl	NOUN
fsr-3470	419	4	and	and	CCONJ
fsr-3470	419	5	hung	hung	PROPN
fsr-3470	419	6	(	(	PUNCT
fsr-3470	419	7	2018	2018	NUM
fsr-3470	419	8	)	)	PUNCT
fsr-3470	419	9	,	,	PUNCT
fsr-3470	419	10	mutual	mutual	ADJ
fsr-3470	419	11	funds	fund	NOUN
fsr-3470	419	12	overwhelmingly	overwhelmingly	ADV
fsr-3470	419	13	dominate	dominate	VERB
fsr-3470	419	14	the	the	DET
fsr-3470	419	15	composition	composition	NOUN
fsr-3470	419	16	of	of	ADP
fsr-3470	419	17	investors	investor	NOUN
fsr-3470	419	18	’	’	PART
fsr-3470	419	19	investment	investment	NOUN
fsr-3470	419	20	holdings	holding	NOUN
fsr-3470	419	21	.	.	PUNCT
fsr-3470	420	1	mutual	mutual	ADJ
fsr-3470	420	2	fund	fund	NOUN
fsr-3470	420	3	owners	owner	NOUN
fsr-3470	420	4	are	be	AUX
fsr-3470	420	5	likely	likely	ADJ
fsr-3470	420	6	to	to	PART
fsr-3470	420	7	have	have	VERB
fsr-3470	420	8	more	more	ADJ
fsr-3470	420	9	experience	experience	NOUN
fsr-3470	420	10	with	with	ADP
fsr-3470	420	11	the	the	DET
fsr-3470	420	12	products	product	NOUN
fsr-3470	420	13	,	,	PUNCT
fsr-3470	420	14	resulting	result	VERB
fsr-3470	420	15	in	in	ADP
fsr-3470	420	16	higher	high	ADJ
fsr-3470	420	17	knowledge	knowledge	NOUN
fsr-3470	420	18	scores	score	NOUN
fsr-3470	420	19	,	,	PUNCT
fsr-3470	420	20	while	while	SCONJ
fsr-3470	420	21	those	those	PRON
fsr-3470	420	22	with	with	ADP
fsr-3470	420	23	less	less	ADJ
fsr-3470	420	24	knowledge	knowledge	NOUN
fsr-3470	420	25	may	may	AUX
fsr-3470	420	26	be	be	AUX
fsr-3470	420	27	disinclined	disinclined	ADJ
fsr-3470	420	28	to	to	PART
fsr-3470	420	29	purchase	purchase	VERB
fsr-3470	420	30	mutual	mutual	ADJ
fsr-3470	420	31	funds	fund	NOUN
fsr-3470	420	32	.	.	PUNCT
fsr-3470	421	1	as	as	SCONJ
fsr-3470	421	2	presented	present	VERB
fsr-3470	421	3	in	in	ADP
fsr-3470	421	4	table	table	NOUN
fsr-3470	421	5	4	4	NUM
fsr-3470	421	6	(	(	PUNCT
fsr-3470	421	7	column	column	NOUN
fsr-3470	421	8	2	2	NUM
fsr-3470	421	9	)	)	PUNCT
fsr-3470	421	10	,	,	PUNCT
fsr-3470	421	11	a	a	DET
fsr-3470	421	12	1	1	NUM
fsr-3470	421	13	sd	sd	NOUN
fsr-3470	421	14	increase	increase	NOUN
fsr-3470	421	15	in	in	ADP
fsr-3470	421	16	our	our	PRON
fsr-3470	421	17	knowledge	knowledge	NOUN
fsr-3470	421	18	score	score	NOUN
fsr-3470	421	19	is	be	AUX
fsr-3470	421	20	related	relate	VERB
fsr-3470	421	21	to	to	ADP
fsr-3470	421	22	a	a	DET
fsr-3470	421	23	5.3	5.3	NUM
fsr-3470	421	24	percentage	percentage	NOUN
fsr-3470	421	25	point	point	NOUN
fsr-3470	421	26	increase	increase	NOUN
fsr-3470	421	27	in	in	ADP
fsr-3470	421	28	the	the	DET
fsr-3470	421	29	probability	probability	NOUN
fsr-3470	421	30	of	of	ADP
fsr-3470	421	31	owning	own	VERB
fsr-3470	421	32	financial	financial	ADJ
fsr-3470	421	33	investments	investment	NOUN
fsr-3470	421	34	(	(	PUNCT
fsr-3470	421	35	p	p	NOUN
fsr-3470	421	36	-	-	PUNCT
fsr-3470	421	37	value	value	NOUN
fsr-3470	421	38	<	<	NOUN
fsr-3470	421	39	0.001	0.001	NUM
fsr-3470	421	40	)	)	PUNCT
fsr-3470	421	41	.	.	PUNCT
fsr-3470	422	1	surprisingly	surprisingly	ADV
fsr-3470	422	2	,	,	PUNCT
fsr-3470	422	3	unlike	unlike	ADP
fsr-3470	422	4	our	our	PRON
fsr-3470	422	5	descriptive	descriptive	ADJ
fsr-3470	422	6	model	model	NOUN
fsr-3470	422	7	predicting	predict	VERB
fsr-3470	422	8	for	for	ADP
fsr-3470	422	9	the	the	DET
fsr-3470	422	10	fee	fee	NOUN
fsr-3470	422	11	calculation	calculation	NOUN
fsr-3470	422	12	question	question	NOUN
fsr-3470	422	13	,	,	PUNCT
fsr-3470	422	14	general	general	ADJ
fsr-3470	422	15	financial	financial	ADJ
fsr-3470	422	16	literacy	literacy	NOUN
fsr-3470	422	17	did	do	AUX
fsr-3470	422	18	not	not	PART
fsr-3470	422	19	explain	explain	VERB
fsr-3470	422	20	variation	variation	NOUN
fsr-3470	422	21	in	in	ADP
fsr-3470	422	22	investor	investor	NOUN
fsr-3470	422	23	participation	participation	NOUN
fsr-3470	422	24	.	.	PUNCT
fsr-3470	423	1	the	the	DET
fsr-3470	423	2	r2	r2	PROPN
fsr-3470	423	3	for	for	ADP
fsr-3470	423	4	the	the	DET
fsr-3470	423	5	regression	regression	NOUN
fsr-3470	423	6	is	be	AUX
fsr-3470	423	7	strong	strong	ADJ
fsr-3470	423	8	at	at	ADP
fsr-3470	423	9	0.198	0.198	NUM
fsr-3470	423	10	.	.	PUNCT
fsr-3470	424	1	anova	anova	PROPN
fsr-3470	424	2	results	result	NOUN
fsr-3470	424	3	suggest	suggest	VERB
fsr-3470	424	4	mutual	mutual	ADJ
fsr-3470	424	5	fund	fund	NOUN
fsr-3470	424	6	knowledge	knowledge	NOUN
fsr-3470	424	7	alone	alone	ADV
fsr-3470	424	8	explains	explain	VERB
fsr-3470	424	9	approximately	approximately	ADV
fsr-3470	424	10	7.5	7.5	NUM
fsr-3470	424	11	%	%	NOUN
fsr-3470	424	12	of	of	ADP
fsr-3470	424	13	the	the	DET
fsr-3470	424	14	variation	variation	NOUN
fsr-3470	424	15	in	in	ADP
fsr-3470	424	16	participation	participation	NOUN
fsr-3470	424	17	.	.	PUNCT
fsr-3470	425	1	these	these	DET
fsr-3470	425	2	findings	finding	NOUN
fsr-3470	425	3	are	be	AUX
fsr-3470	425	4	somewhat	somewhat	ADV
fsr-3470	425	5	surprising	surprising	ADJ
fsr-3470	425	6	in	in	ADP
fsr-3470	425	7	that	that	DET
fsr-3470	425	8	general	general	ADJ
fsr-3470	425	9	financial	financial	ADJ
fsr-3470	425	10	literacy	literacy	NOUN
fsr-3470	425	11	has	have	AUX
fsr-3470	425	12	been	be	AUX
fsr-3470	425	13	used	use	VERB
fsr-3470	425	14	to	to	PART
fsr-3470	425	15	explain	explain	VERB
fsr-3470	425	16	broad	broad	ADJ
fsr-3470	425	17	financial	financial	ADJ
fsr-3470	425	18	outcomes	outcome	NOUN
fsr-3470	425	19	in	in	ADP
fsr-3470	425	20	a	a	DET
fsr-3470	425	21	variety	variety	NOUN
fsr-3470	425	22	of	of	ADP
fsr-3470	425	23	contexts	context	NOUN
fsr-3470	425	24	and	and	CCONJ
fsr-3470	425	25	our	our	PRON
fsr-3470	425	26	measure	measure	NOUN
fsr-3470	425	27	of	of	ADP
fsr-3470	425	28	participation	participation	NOUN
fsr-3470	425	29	is	be	AUX
fsr-3470	425	30	not	not	PART
fsr-3470	425	31	simply	simply	ADV
fsr-3470	425	32	a	a	DET
fsr-3470	425	33	measure	measure	NOUN
fsr-3470	425	34	of	of	ADP
fsr-3470	425	35	ownership	ownership	NOUN
fsr-3470	425	36	of	of	ADP
fsr-3470	425	37	mutual	mutual	ADJ
fsr-3470	425	38	funds	fund	NOUN
fsr-3470	425	39	or	or	CCONJ
fsr-3470	425	40	exchange	exchange	NOUN
fsr-3470	425	41	traded	trade	VERB
fsr-3470	425	42	funds	fund	NOUN
fsr-3470	425	43	,	,	PUNCT
fsr-3470	425	44	but	but	CCONJ
fsr-3470	425	45	rather	rather	ADV
fsr-3470	425	46	of	of	ADP
fsr-3470	425	47	financial	financial	ADJ
fsr-3470	425	48	investments	investment	NOUN
fsr-3470	425	49	overall	overall	ADV
fsr-3470	425	50	.	.	PUNCT
fsr-3470	426	1	results	result	NOUN
fsr-3470	426	2	support	support	VERB
fsr-3470	426	3	the	the	DET
fsr-3470	426	4	idea	idea	NOUN
fsr-3470	426	5	that	that	SCONJ
fsr-3470	426	6	while	while	SCONJ
fsr-3470	426	7	general	general	ADJ
fsr-3470	426	8	financial	financial	ADJ
fsr-3470	426	9	literacy	literacy	NOUN
fsr-3470	426	10	is	be	AUX
fsr-3470	426	11	important	important	ADJ
fsr-3470	426	12	in	in	ADP
fsr-3470	426	13	measuring	measure	VERB
fsr-3470	426	14	many	many	ADJ
fsr-3470	426	15	financial	financial	ADJ
fsr-3470	426	16	behaviors	behavior	NOUN
fsr-3470	426	17	,	,	PUNCT
fsr-3470	426	18	a	a	DET
fsr-3470	426	19	more	more	ADV
fsr-3470	426	20	targeted	targeted	ADJ
fsr-3470	426	21	measure	measure	NOUN
fsr-3470	426	22	of	of	ADP
fsr-3470	426	23	mutual	mutual	ADJ
fsr-3470	426	24	fund	fund	NOUN
fsr-3470	426	25	literacy	literacy	NOUN
fsr-3470	426	26	may	may	AUX
fsr-3470	426	27	be	be	AUX
fsr-3470	426	28	important	important	ADJ
fsr-3470	426	29	in	in	ADP
fsr-3470	426	30	understanding	understand	VERB
fsr-3470	426	31	investment	investment	NOUN
fsr-3470	426	32	behavior	behavior	NOUN
fsr-3470	426	33	.	.	PUNCT
fsr-3470	427	1	4.7	4.7	NUM
fsr-3470	427	2	.	.	PUNCT
fsr-3470	428	1	financial	financial	ADJ
fsr-3470	428	2	well	well	NOUN
fsr-3470	428	3	-	-	PUNCT
fsr-3470	428	4	being	be	AUX
fsr-3470	428	5	using	use	VERB
fsr-3470	428	6	the	the	DET
fsr-3470	428	7	cfpb	cfpb	NOUN
fsr-3470	428	8	’s	’s	PART
fsr-3470	428	9	fwb	fwb	PROPN
fsr-3470	428	10	score	score	NOUN
fsr-3470	428	11	allows	allow	VERB
fsr-3470	428	12	us	we	PRON
fsr-3470	428	13	to	to	PART
fsr-3470	428	14	investigate	investigate	VERB
fsr-3470	428	15	the	the	DET
fsr-3470	428	16	relationship	relationship	NOUN
fsr-3470	428	17	between	between	ADP
fsr-3470	428	18	the	the	DET
fsr-3470	428	19	mutual	mutual	ADJ
fsr-3470	428	20	fund	fund	NOUN
fsr-3470	428	21	knowledge	knowledge	NOUN
fsr-3470	428	22	index	index	NOUN
fsr-3470	428	23	and	and	CCONJ
fsr-3470	428	24	a	a	DET
fsr-3470	428	25	much	much	ADV
fsr-3470	428	26	broader	broad	ADJ
fsr-3470	428	27	measure	measure	NOUN
fsr-3470	428	28	of	of	ADP
fsr-3470	428	29	overall	overall	ADJ
fsr-3470	428	30	financial	financial	ADJ
fsr-3470	428	31	wellness	wellness	NOUN
fsr-3470	428	32	.	.	PUNCT
fsr-3470	429	1	the	the	DET
fsr-3470	429	2	linkage	linkage	NOUN
fsr-3470	429	3	between	between	ADP
fsr-3470	429	4	mutual	mutual	ADJ
fsr-3470	429	5	fund	fund	NOUN
fsr-3470	429	6	knowledge	knowledge	NOUN
fsr-3470	429	7	and	and	CCONJ
fsr-3470	429	8	financial	financial	ADJ
fsr-3470	429	9	well	well	NOUN
fsr-3470	429	10	-	-	PUNCT
fsr-3470	429	11	being	being	NOUN
fsr-3470	429	12	is	be	AUX
fsr-3470	429	13	less	less	ADV
fsr-3470	429	14	direct	direct	ADJ
fsr-3470	429	15	than	than	ADP
fsr-3470	429	16	our	our	PRON
fsr-3470	429	17	prior	prior	ADJ
fsr-3470	429	18	two	two	NUM
fsr-3470	429	19	outcomes	outcome	NOUN
fsr-3470	429	20	.	.	PUNCT
fsr-3470	430	1	as	as	ADP
fsr-3470	430	2	in	in	ADP
fsr-3470	430	3	the	the	DET
fsr-3470	430	4	case	case	NOUN
fsr-3470	430	5	of	of	ADP
fsr-3470	430	6	a	a	DET
fsr-3470	430	7	household	household	NOUN
fsr-3470	430	8	’s	’s	PART
fsr-3470	430	9	overall	overall	ADJ
fsr-3470	430	10	net	net	ADJ
fsr-3470	430	11	worth	worth	NOUN
fsr-3470	430	12	,	,	PUNCT
fsr-3470	430	13	financial	financial	ADJ
fsr-3470	430	14	investments	investment	NOUN
fsr-3470	430	15	may	may	AUX
fsr-3470	430	16	only	only	ADV
fsr-3470	430	17	represent	represent	VERB
fsr-3470	430	18	a	a	DET
fsr-3470	430	19	portion	portion	NOUN
fsr-3470	430	20	of	of	ADP
fsr-3470	430	21	a	a	DET
fsr-3470	430	22	household	household	NOUN
fsr-3470	430	23	’s	’s	PART
fsr-3470	430	24	overall	overall	ADJ
fsr-3470	430	25	financial	financial	ADJ
fsr-3470	430	26	well	well	NOUN
fsr-3470	430	27	-	-	PUNCT
fsr-3470	430	28	being	being	NOUN
fsr-3470	430	29	.	.	PUNCT
fsr-3470	431	1	rent	rent	NOUN
fsr-3470	431	2	and	and	CCONJ
fsr-3470	431	3	mortgages	mortgage	NOUN
fsr-3470	431	4	,	,	PUNCT
fsr-3470	431	5	debt	debt	NOUN
fsr-3470	431	6	,	,	PUNCT
fsr-3470	431	7	a	a	DET
fsr-3470	431	8	family	family	NOUN
fsr-3470	431	9	’s	’s	PART
fsr-3470	431	10	employment	employment	NOUN
fsr-3470	431	11	situation	situation	NOUN
fsr-3470	431	12	and	and	CCONJ
fsr-3470	431	13	life	life	NOUN
fsr-3470	431	14	circumstances	circumstance	NOUN
fsr-3470	431	15	all	all	PRON
fsr-3470	431	16	arguably	arguably	ADV
fsr-3470	431	17	play	play	VERB
fsr-3470	431	18	a	a	DET
fsr-3470	431	19	larger	large	ADJ
fsr-3470	431	20	role	role	NOUN
fsr-3470	431	21	50	50	NUM
fsr-3470	431	22	b.	b.	PROPN
fsr-3470	431	23	scholl	scholl	PROPN
fsr-3470	431	24	and	and	CCONJ
fsr-3470	431	25	a.	a.	NOUN
fsr-3470	431	26	fontes	fontes	PROPN
fsr-3470	431	27	/	/	SYM
fsr-3470	431	28	financial	financial	ADJ
fsr-3470	431	29	services	service	NOUN
fsr-3470	431	30	review	review	VERB
fsr-3470	431	31	30	30	NUM
fsr-3470	431	32	(	(	PUNCT
fsr-3470	431	33	2022	2022	NUM
fsr-3470	431	34	)	)	PUNCT
fsr-3470	431	35	31–56	31–56	NUM
fsr-3470	431	36	than	than	ADP
fsr-3470	431	37	financial	financial	ADJ
fsr-3470	431	38	investments	investment	NOUN
fsr-3470	431	39	for	for	ADP
fsr-3470	431	40	most	most	ADJ
fsr-3470	431	41	families	family	NOUN
fsr-3470	431	42	;	;	PUNCT
fsr-3470	431	43	consumer	consumer	NOUN
fsr-3470	431	44	financial	financial	PROPN
fsr-3470	431	45	protection	protection	PROPN
fsr-3470	431	46	bureau	bureau	PROPN
fsr-3470	431	47	(	(	PUNCT
fsr-3470	431	48	2017	2017	NUM
fsr-3470	431	49	)	)	PUNCT
fsr-3470	431	50	notes	note	NOUN
fsr-3470	431	51	,	,	PUNCT
fsr-3470	431	52	in	in	ADP
fsr-3470	431	53	particular	particular	ADJ
fsr-3470	431	54	,	,	PUNCT
fsr-3470	431	55	that	that	SCONJ
fsr-3470	431	56	liquid	liquid	ADJ
fsr-3470	431	57	savings	saving	NOUN
fsr-3470	431	58	provided	provide	VERB
fsr-3470	431	59	the	the	DET
fsr-3470	431	60	biggest	big	ADJ
fsr-3470	431	61	differentiation	differentiation	NOUN
fsr-3470	431	62	between	between	ADP
fsr-3470	431	63	respondents	respondent	NOUN
fsr-3470	431	64	with	with	ADP
fsr-3470	431	65	different	different	ADJ
fsr-3470	431	66	levels	level	NOUN
fsr-3470	431	67	of	of	ADP
fsr-3470	431	68	fwb	fwb	PROPN
fsr-3470	431	69	.	.	PUNCT
fsr-3470	432	1	nevertheless	nevertheless	ADV
fsr-3470	432	2	,	,	PUNCT
fsr-3470	432	3	our	our	PRON
fsr-3470	432	4	knowledge	knowledge	NOUN
fsr-3470	432	5	measures	measure	NOUN
fsr-3470	432	6	may	may	AUX
fsr-3470	432	7	be	be	AUX
fsr-3470	432	8	a	a	DET
fsr-3470	432	9	better	well	ADJ
fsr-3470	432	10	proxy	proxy	NOUN
fsr-3470	432	11	than	than	ADP
fsr-3470	432	12	other	other	ADJ
fsr-3470	432	13	measures	measure	NOUN
fsr-3470	432	14	for	for	ADP
fsr-3470	432	15	latent	latent	ADJ
fsr-3470	432	16	knowledge	knowledge	NOUN
fsr-3470	432	17	components	component	NOUN
fsr-3470	432	18	that	that	PRON
fsr-3470	432	19	are	be	AUX
fsr-3470	432	20	important	important	ADJ
fsr-3470	432	21	to	to	ADP
fsr-3470	432	22	overall	overall	ADJ
fsr-3470	432	23	financial	financial	ADJ
fsr-3470	432	24	health	health	NOUN
fsr-3470	432	25	.	.	PUNCT
fsr-3470	433	1	we	we	PRON
fsr-3470	433	2	found	find	VERB
fsr-3470	433	3	a	a	DET
fsr-3470	433	4	positive	positive	ADJ
fsr-3470	433	5	relationship	relationship	NOUN
fsr-3470	433	6	between	between	ADP
fsr-3470	433	7	the	the	DET
fsr-3470	433	8	index	index	NOUN
fsr-3470	433	9	score	score	NOUN
fsr-3470	433	10	and	and	CCONJ
fsr-3470	433	11	increased	increase	VERB
fsr-3470	433	12	financial	financial	ADJ
fsr-3470	433	13	wellbeing	wellbeing	NOUN
fsr-3470	433	14	.	.	PUNCT
fsr-3470	434	1	table	table	NOUN
fsr-3470	434	2	4	4	NUM
fsr-3470	434	3	column	column	NOUN
fsr-3470	434	4	3	3	NUM
fsr-3470	434	5	reports	report	VERB
fsr-3470	434	6	that	that	SCONJ
fsr-3470	434	7	a	a	DET
fsr-3470	434	8	1	1	NUM
fsr-3470	434	9	sd	sd	NOUN
fsr-3470	434	10	increase	increase	NOUN
fsr-3470	434	11	in	in	ADP
fsr-3470	434	12	our	our	PRON
fsr-3470	434	13	mutual	mutual	ADJ
fsr-3470	434	14	fund	fund	NOUN
fsr-3470	434	15	knowledge	knowledge	NOUN
fsr-3470	434	16	index	index	NOUN
fsr-3470	434	17	equates	equate	VERB
fsr-3470	434	18	to	to	ADP
fsr-3470	434	19	an	an	DET
fsr-3470	434	20	increase	increase	NOUN
fsr-3470	434	21	in	in	ADP
fsr-3470	434	22	fwb	fwb	NOUN
fsr-3470	434	23	of	of	ADP
fsr-3470	434	24	0.753	0.753	NUM
fsr-3470	434	25	,	,	PUNCT
fsr-3470	434	26	and	and	CCONJ
fsr-3470	434	27	the	the	DET
fsr-3470	434	28	coefficient	coefficient	NOUN
fsr-3470	434	29	is	be	AUX
fsr-3470	434	30	highly	highly	ADV
fsr-3470	434	31	significant	significant	ADJ
fsr-3470	434	32	despite	despite	SCONJ
fsr-3470	434	33	the	the	DET
fsr-3470	434	34	presence	presence	NOUN
fsr-3470	434	35	of	of	ADP
fsr-3470	434	36	several	several	ADJ
fsr-3470	434	37	other	other	ADJ
fsr-3470	434	38	potentially	potentially	ADV
fsr-3470	434	39	important	important	ADJ
fsr-3470	434	40	covariates	covariate	NOUN
fsr-3470	434	41	such	such	ADJ
fsr-3470	434	42	as	as	ADP
fsr-3470	434	43	general	general	ADJ
fsr-3470	434	44	financial	financial	ADJ
fsr-3470	434	45	literacy	literacy	NOUN
fsr-3470	434	46	,	,	PUNCT
fsr-3470	434	47	age	age	NOUN
fsr-3470	434	48	,	,	PUNCT
fsr-3470	434	49	income	income	NOUN
fsr-3470	434	50	,	,	PUNCT
fsr-3470	434	51	and	and	CCONJ
fsr-3470	434	52	net	net	ADJ
fsr-3470	434	53	worth	worth	NOUN
fsr-3470	434	54	.	.	PUNCT
fsr-3470	435	1	the	the	DET
fsr-3470	435	2	point	point	NOUN
fsr-3470	435	3	estimate	estimate	NOUN
fsr-3470	435	4	on	on	ADP
fsr-3470	435	5	mutual	mutual	ADJ
fsr-3470	435	6	fund	fund	NOUN
fsr-3470	435	7	knowledge	knowledge	NOUN
fsr-3470	435	8	is	be	AUX
fsr-3470	435	9	somewhat	somewhat	ADV
fsr-3470	435	10	modest	modest	ADJ
fsr-3470	435	11	given	give	VERB
fsr-3470	435	12	the	the	DET
fsr-3470	435	13	standard	standard	ADJ
fsr-3470	435	14	deviation	deviation	NOUN
fsr-3470	435	15	of	of	ADP
fsr-3470	435	16	fwb	fwb	PROPN
fsr-3470	435	17	in	in	ADP
fsr-3470	435	18	our	our	PRON
fsr-3470	435	19	sample	sample	NOUN
fsr-3470	435	20	is	be	AUX
fsr-3470	435	21	13.6	13.6	NUM
fsr-3470	435	22	,	,	PUNCT
fsr-3470	435	23	but	but	CCONJ
fsr-3470	435	24	the	the	DET
fsr-3470	435	25	r2	r2	PROPN
fsr-3470	435	26	for	for	ADP
fsr-3470	435	27	this	this	DET
fsr-3470	435	28	model	model	NOUN
fsr-3470	435	29	is	be	AUX
fsr-3470	435	30	overall	overall	ADJ
fsr-3470	435	31	0.29	0.29	NUM
fsr-3470	435	32	.	.	PUNCT
fsr-3470	436	1	anova	anova	PROPN
fsr-3470	436	2	results	result	NOUN
fsr-3470	436	3	indicate	indicate	VERB
fsr-3470	436	4	that	that	SCONJ
fsr-3470	436	5	the	the	DET
fsr-3470	436	6	knowledge	knowledge	NOUN
fsr-3470	436	7	index	index	NOUN
fsr-3470	436	8	alone	alone	ADV
fsr-3470	436	9	explains	explain	VERB
fsr-3470	436	10	8.7	8.7	NUM
fsr-3470	436	11	%	%	NOUN
fsr-3470	436	12	of	of	ADP
fsr-3470	436	13	overall	overall	ADJ
fsr-3470	436	14	variation	variation	NOUN
fsr-3470	436	15	in	in	ADP
fsr-3470	436	16	fwb	fwb	PROPN
fsr-3470	436	17	,	,	PUNCT
fsr-3470	436	18	with	with	ADP
fsr-3470	436	19	a	a	DET
fsr-3470	436	20	mean	mean	ADJ
fsr-3470	436	21	sum	sum	NOUN
fsr-3470	436	22	of	of	ADP
fsr-3470	436	23	squares	square	NOUN
fsr-3470	436	24	2.3	2.3	NUM
fsr-3470	436	25	times	time	NOUN
fsr-3470	436	26	higher	high	ADJ
fsr-3470	436	27	than	than	ADP
fsr-3470	436	28	the	the	DET
fsr-3470	436	29	next	next	ADJ
fsr-3470	436	30	most	most	ADV
fsr-3470	436	31	consequential	consequential	ADJ
fsr-3470	436	32	covariate	covariate	NOUN
fsr-3470	436	33	(	(	PUNCT
fsr-3470	436	34	net	net	ADJ
fsr-3470	436	35	worth	worth	NOUN
fsr-3470	436	36	)	)	PUNCT
fsr-3470	436	37	.	.	PUNCT
fsr-3470	437	1	of	of	ADP
fsr-3470	437	2	note	note	NOUN
fsr-3470	437	3	,	,	PUNCT
fsr-3470	437	4	the	the	DET
fsr-3470	437	5	coefficient	coefficient	NOUN
fsr-3470	437	6	on	on	ADP
fsr-3470	437	7	general	general	ADJ
fsr-3470	437	8	financial	financial	ADJ
fsr-3470	437	9	literacy	literacy	NOUN
fsr-3470	437	10	was	be	AUX
fsr-3470	437	11	not	not	PART
fsr-3470	437	12	quite	quite	ADV
fsr-3470	437	13	significant	significant	ADJ
fsr-3470	437	14	at	at	ADP
fsr-3470	437	15	the	the	DET
fsr-3470	437	16	95	95	NUM
fsr-3470	437	17	%	%	NOUN
fsr-3470	437	18	confidence	confidence	NOUN
fsr-3470	437	19	level	level	NOUN
fsr-3470	437	20	(	(	PUNCT
fsr-3470	437	21	p	p	X
fsr-3470	437	22	=	=	NOUN
fsr-3470	437	23	.06	.06	NUM
fsr-3470	437	24	)	)	PUNCT
fsr-3470	437	25	in	in	ADP
fsr-3470	437	26	our	our	PRON
fsr-3470	437	27	regression	regression	NOUN
fsr-3470	437	28	.	.	PUNCT
fsr-3470	438	1	4.8	4.8	NUM
fsr-3470	438	2	.	.	PUNCT
fsr-3470	438	3	conclusion	conclusion	NOUN
fsr-3470	438	4	and	and	CCONJ
fsr-3470	438	5	discussion	discussion	NOUN
fsr-3470	438	6	we	we	PRON
fsr-3470	438	7	developed	develop	VERB
fsr-3470	438	8	and	and	CCONJ
fsr-3470	438	9	deployed	deploy	VERB
fsr-3470	438	10	an	an	DET
fsr-3470	438	11	11	11	NUM
fsr-3470	438	12	-	-	PUNCT
fsr-3470	438	13	question	question	NOUN
fsr-3470	438	14	index	index	NOUN
fsr-3470	438	15	of	of	ADP
fsr-3470	438	16	mutual	mutual	ADJ
fsr-3470	438	17	fund	fund	NOUN
fsr-3470	438	18	knowledge	knowledge	NOUN
fsr-3470	438	19	questions	question	NOUN
fsr-3470	438	20	that	that	PRON
fsr-3470	438	21	is	be	AUX
fsr-3470	438	22	easy	easy	ADJ
fsr-3470	438	23	to	to	PART
fsr-3470	438	24	deliver	deliver	VERB
fsr-3470	438	25	and	and	CCONJ
fsr-3470	438	26	has	have	VERB
fsr-3470	438	27	relatively	relatively	ADV
fsr-3470	438	28	low	low	ADJ
fsr-3470	438	29	respondent	respondent	NOUN
fsr-3470	438	30	burden	burden	NOUN
fsr-3470	438	31	,	,	PUNCT
fsr-3470	438	32	and	and	CCONJ
fsr-3470	438	33	fielded	field	VERB
fsr-3470	438	34	the	the	DET
fsr-3470	438	35	module	module	NOUN
fsr-3470	438	36	with	with	ADP
fsr-3470	438	37	a	a	DET
fsr-3470	438	38	large	large	ADJ
fsr-3470	438	39	,	,	PUNCT
fsr-3470	438	40	nationally	nationally	ADV
fsr-3470	438	41	representative	representative	NOUN
fsr-3470	438	42	,	,	PUNCT
fsr-3470	438	43	address	address	NOUN
fsr-3470	438	44	-	-	PUNCT
fsr-3470	438	45	based	base	VERB
fsr-3470	438	46	probability	probability	NOUN
fsr-3470	438	47	sample	sample	NOUN
fsr-3470	438	48	to	to	PART
fsr-3470	438	49	obtain	obtain	VERB
fsr-3470	438	50	credible	credible	ADJ
fsr-3470	438	51	population	population	NOUN
fsr-3470	438	52	estimates	estimate	NOUN
fsr-3470	438	53	of	of	ADP
fsr-3470	438	54	mutual	mutual	ADJ
fsr-3470	438	55	fund	fund	NOUN
fsr-3470	438	56	knowledge	knowledge	NOUN
fsr-3470	438	57	.	.	PUNCT
fsr-3470	439	1	we	we	PRON
fsr-3470	439	2	developed	develop	VERB
fsr-3470	439	3	the	the	DET
fsr-3470	439	4	questions	question	NOUN
fsr-3470	439	5	to	to	PART
fsr-3470	439	6	reflect	reflect	VERB
fsr-3470	439	7	varying	vary	VERB
fsr-3470	439	8	degrees	degree	NOUN
fsr-3470	439	9	of	of	ADP
fsr-3470	439	10	difficulty	difficulty	NOUN
fsr-3470	439	11	in	in	ADP
fsr-3470	439	12	mutual	mutual	ADJ
fsr-3470	439	13	fund	fund	NOUN
fsr-3470	439	14	subject	subject	NOUN
fsr-3470	439	15	matter	matter	NOUN
fsr-3470	439	16	;	;	PUNCT
fsr-3470	439	17	all	all	DET
fsr-3470	439	18	questions	question	NOUN
fsr-3470	439	19	represented	represent	VERB
fsr-3470	439	20	important	important	ADJ
fsr-3470	439	21	choice	choice	NOUN
fsr-3470	439	22	-	-	PUNCT
fsr-3470	439	23	relevant	relevant	ADJ
fsr-3470	439	24	topics	topic	NOUN
fsr-3470	439	25	in	in	ADP
fsr-3470	439	26	mutual	mutual	ADJ
fsr-3470	439	27	fund	fund	NOUN
fsr-3470	439	28	selection	selection	NOUN
fsr-3470	439	29	and	and	CCONJ
fsr-3470	439	30	features	feature	VERB
fsr-3470	439	31	that	that	SCONJ
fsr-3470	439	32	regulatory	regulatory	ADJ
fsr-3470	439	33	bodies	body	NOUN
fsr-3470	439	34	routinely	routinely	ADV
fsr-3470	439	35	ascribe	ascribe	VERB
fsr-3470	439	36	as	as	ADP
fsr-3470	439	37	important	important	ADJ
fsr-3470	439	38	features	feature	NOUN
fsr-3470	439	39	for	for	ADP
fsr-3470	439	40	the	the	DET
fsr-3470	439	41	investing	invest	VERB
fsr-3470	439	42	public	public	NOUN
fsr-3470	439	43	to	to	PART
fsr-3470	439	44	consider	consider	VERB
fsr-3470	439	45	when	when	SCONJ
fsr-3470	439	46	selecting	select	VERB
fsr-3470	439	47	investments	investment	NOUN
fsr-3470	439	48	.	.	PUNCT
fsr-3470	440	1	we	we	PRON
fsr-3470	440	2	refined	refine	VERB
fsr-3470	440	3	the	the	DET
fsr-3470	440	4	index	index	NOUN
fsr-3470	440	5	with	with	ADP
fsr-3470	440	6	qualitative	qualitative	NOUN
fsr-3470	440	7	interviewing	interviewing	NOUN
fsr-3470	440	8	and	and	CCONJ
fsr-3470	440	9	extensive	extensive	ADJ
fsr-3470	440	10	expert	expert	NOUN
fsr-3470	440	11	input	input	NOUN
fsr-3470	440	12	,	,	PUNCT
fsr-3470	440	13	factor	factor	NOUN
fsr-3470	440	14	analysis	analysis	NOUN
fsr-3470	440	15	and	and	CCONJ
fsr-3470	440	16	descriptive	descriptive	ADJ
fsr-3470	440	17	regression	regression	NOUN
fsr-3470	440	18	validation	validation	NOUN
fsr-3470	440	19	.	.	PUNCT
fsr-3470	441	1	while	while	SCONJ
fsr-3470	441	2	our	our	PRON
fsr-3470	441	3	results	result	NOUN
fsr-3470	441	4	indicate	indicate	VERB
fsr-3470	441	5	the	the	DET
fsr-3470	441	6	index	index	NOUN
fsr-3470	441	7	is	be	AUX
fsr-3470	441	8	helpful	helpful	ADJ
fsr-3470	441	9	in	in	ADP
fsr-3470	441	10	explaining	explain	VERB
fsr-3470	441	11	important	important	ADJ
fsr-3470	441	12	overall	overall	ADJ
fsr-3470	441	13	financial	financial	ADJ
fsr-3470	441	14	well	well	NOUN
fsr-3470	441	15	-	-	PUNCT
fsr-3470	441	16	being	being	NOUN
fsr-3470	441	17	,	,	PUNCT
fsr-3470	441	18	investor	investor	NOUN
fsr-3470	441	19	participation	participation	NOUN
fsr-3470	441	20	,	,	PUNCT
fsr-3470	441	21	and	and	CCONJ
fsr-3470	441	22	the	the	DET
fsr-3470	441	23	highly	highly	ADV
fsr-3470	441	24	important	important	ADJ
fsr-3470	441	25	fee	fee	NOUN
fsr-3470	441	26	calculation	calculation	NOUN
fsr-3470	441	27	skill	skill	NOUN
fsr-3470	441	28	,	,	PUNCT
fsr-3470	441	29	respondent	respondent	NOUN
fsr-3470	441	30	performance	performance	NOUN
fsr-3470	441	31	on	on	ADP
fsr-3470	441	32	this	this	DET
fsr-3470	441	33	battery	battery	NOUN
fsr-3470	441	34	is	be	AUX
fsr-3470	441	35	worrisome	worrisome	ADJ
fsr-3470	441	36	.	.	PUNCT
fsr-3470	442	1	a	a	DET
fsr-3470	442	2	substantial	substantial	ADJ
fsr-3470	442	3	fraction	fraction	NOUN
fsr-3470	442	4	of	of	ADP
fsr-3470	442	5	respondents	respondent	NOUN
fsr-3470	442	6	were	be	AUX
fsr-3470	442	7	no	no	ADV
fsr-3470	442	8	more	more	ADV
fsr-3470	442	9	accurate	accurate	ADJ
fsr-3470	442	10	in	in	ADP
fsr-3470	442	11	their	their	PRON
fsr-3470	442	12	responses	response	NOUN
fsr-3470	442	13	than	than	SCONJ
fsr-3470	442	14	if	if	SCONJ
fsr-3470	442	15	they	they	PRON
fsr-3470	442	16	had	have	AUX
fsr-3470	442	17	guessed	guess	VERB
fsr-3470	442	18	at	at	ADP
fsr-3470	442	19	random	random	ADJ
fsr-3470	442	20	and	and	CCONJ
fsr-3470	442	21	many	many	ADJ
fsr-3470	442	22	respondents	respondent	NOUN
fsr-3470	442	23	were	be	AUX
fsr-3470	442	24	unable	unable	ADJ
fsr-3470	442	25	to	to	PART
fsr-3470	442	26	accurately	accurately	ADV
fsr-3470	442	27	answer	answer	VERB
fsr-3470	442	28	a	a	DET
fsr-3470	442	29	single	single	ADJ
fsr-3470	442	30	true	true	ADJ
fsr-3470	442	31	-	-	PUNCT
fsr-3470	442	32	false	false	ADJ
fsr-3470	442	33	question	question	NOUN
fsr-3470	442	34	.	.	PUNCT
fsr-3470	443	1	our	our	PRON
fsr-3470	443	2	estimates	estimate	NOUN
fsr-3470	443	3	suggest	suggest	VERB
fsr-3470	443	4	that	that	SCONJ
fsr-3470	443	5	only	only	ADV
fsr-3470	443	6	the	the	DET
fsr-3470	443	7	top	top	ADJ
fsr-3470	443	8	11.4	11.4	NUM
fsr-3470	443	9	respondents	respondent	NOUN
fsr-3470	443	10	could	could	AUX
fsr-3470	443	11	achieve	achieve	VERB
fsr-3470	443	12	a	a	DET
fsr-3470	443	13	score	score	NOUN
fsr-3470	443	14	of	of	ADP
fsr-3470	443	15	nine	nine	NUM
fsr-3470	443	16	or	or	CCONJ
fsr-3470	443	17	higher	high	ADJ
fsr-3470	443	18	,	,	PUNCT
fsr-3470	443	19	which	which	PRON
fsr-3470	443	20	we	we	PRON
fsr-3470	443	21	broadly	broadly	ADV
fsr-3470	443	22	consider	consider	VERB
fsr-3470	443	23	a	a	DET
fsr-3470	443	24	high	high	ADJ
fsr-3470	443	25	level	level	NOUN
fsr-3470	443	26	of	of	ADP
fsr-3470	443	27	knowledge	knowledge	NOUN
fsr-3470	443	28	.	.	PUNCT
fsr-3470	444	1	only	only	ADV
fsr-3470	444	2	the	the	DET
fsr-3470	444	3	top	top	ADJ
fsr-3470	444	4	1.3	1.3	NUM
fsr-3470	444	5	%	%	NOUN
fsr-3470	444	6	of	of	ADP
fsr-3470	444	7	respondents	respondent	NOUN
fsr-3470	444	8	with	with	ADP
fsr-3470	444	9	a	a	DET
fsr-3470	444	10	perfect	perfect	ADJ
fsr-3470	444	11	score	score	NOUN
fsr-3470	444	12	were	be	AUX
fsr-3470	444	13	more	more	ADV
fsr-3470	444	14	likely	likely	ADJ
fsr-3470	444	15	to	to	PART
fsr-3470	444	16	correctly	correctly	ADV
fsr-3470	444	17	answer	answer	VERB
fsr-3470	444	18	our	our	PRON
fsr-3470	444	19	fee	fee	NOUN
fsr-3470	444	20	calculation	calculation	NOUN
fsr-3470	444	21	question	question	NOUN
fsr-3470	444	22	than	than	SCONJ
fsr-3470	444	23	to	to	PART
fsr-3470	444	24	get	get	VERB
fsr-3470	444	25	it	it	PRON
fsr-3470	444	26	wrong	wrong	ADJ
fsr-3470	444	27	.	.	PUNCT
fsr-3470	445	1	in	in	ADP
fsr-3470	445	2	the	the	DET
fsr-3470	445	3	context	context	NOUN
fsr-3470	445	4	of	of	ADP
fsr-3470	445	5	the	the	DET
fsr-3470	445	6	secular	secular	ADJ
fsr-3470	445	7	shift	shift	NOUN
fsr-3470	445	8	from	from	ADP
fsr-3470	445	9	defined	define	VERB
fsr-3470	445	10	benefit	benefit	NOUN
fsr-3470	445	11	to	to	ADP
fsr-3470	445	12	defined	define	VERB
fsr-3470	445	13	contribution	contribution	NOUN
fsr-3470	445	14	retirement	retirement	NOUN
fsr-3470	445	15	plans	plan	NOUN
fsr-3470	445	16	in	in	ADP
fsr-3470	445	17	the	the	DET
fsr-3470	445	18	united	united	PROPN
fsr-3470	445	19	states	states	PROPN
fsr-3470	445	20	,	,	PUNCT
fsr-3470	445	21	mutual	mutual	ADJ
fsr-3470	445	22	funds	fund	NOUN
fsr-3470	445	23	in	in	ADP
fsr-3470	445	24	principle	principle	NOUN
fsr-3470	445	25	offer	offer	VERB
fsr-3470	445	26	cheap	cheap	ADJ
fsr-3470	445	27	diversification	diversification	NOUN
fsr-3470	445	28	opportunities	opportunity	NOUN
fsr-3470	445	29	for	for	ADP
fsr-3470	445	30	most	most	ADJ
fsr-3470	445	31	investors	investor	NOUN
fsr-3470	445	32	.	.	PUNCT
fsr-3470	446	1	troublingly	troublingly	ADV
fsr-3470	446	2	,	,	PUNCT
fsr-3470	446	3	we	we	PRON
fsr-3470	446	4	find	find	VERB
fsr-3470	446	5	that	that	SCONJ
fsr-3470	446	6	about	about	ADV
fsr-3470	446	7	eighty	eighty	NUM
fsr-3470	446	8	percentage	percentage	NOUN
fsr-3470	446	9	of	of	ADP
fsr-3470	446	10	our	our	PRON
fsr-3470	446	11	respondents	respondent	NOUN
fsr-3470	446	12	probably	probably	ADV
fsr-3470	446	13	do	do	AUX
fsr-3470	446	14	not	not	PART
fsr-3470	446	15	understand	understand	VERB
fsr-3470	446	16	enough	enough	ADJ
fsr-3470	446	17	about	about	ADP
fsr-3470	446	18	mutual	mutual	ADJ
fsr-3470	446	19	funds	fund	NOUN
fsr-3470	446	20	to	to	PART
fsr-3470	446	21	make	make	VERB
fsr-3470	446	22	informed	informed	ADJ
fsr-3470	446	23	choices	choice	NOUN
fsr-3470	446	24	.	.	PUNCT
fsr-3470	447	1	in	in	ADP
fsr-3470	447	2	the	the	DET
fsr-3470	447	3	context	context	NOUN
fsr-3470	447	4	of	of	ADP
fsr-3470	447	5	regulatory	regulatory	ADJ
fsr-3470	447	6	and	and	CCONJ
fsr-3470	447	7	disclosure	disclosure	NOUN
fsr-3470	447	8	efficacy	efficacy	NOUN
fsr-3470	447	9	,	,	PUNCT
fsr-3470	447	10	our	our	PRON
fsr-3470	447	11	index	index	NOUN
fsr-3470	447	12	provides	provide	VERB
fsr-3470	447	13	context	context	NOUN
fsr-3470	447	14	to	to	ADP
fsr-3470	447	15	the	the	DET
fsr-3470	447	16	realities	reality	NOUN
fsr-3470	447	17	of	of	ADP
fsr-3470	447	18	the	the	DET
fsr-3470	447	19	regulatory	regulatory	ADJ
fsr-3470	447	20	environment	environment	NOUN
fsr-3470	447	21	.	.	PUNCT
fsr-3470	448	1	the	the	DET
fsr-3470	448	2	regulatory	regulatory	ADJ
fsr-3470	448	3	environment	environment	NOUN
fsr-3470	448	4	puts	put	VERB
fsr-3470	448	5	the	the	DET
fsr-3470	448	6	onus	onus	NOUN
fsr-3470	448	7	of	of	ADP
fsr-3470	448	8	investment	investment	NOUN
fsr-3470	448	9	selection	selection	NOUN
fsr-3470	448	10	to	to	ADP
fsr-3470	448	11	investors	investor	NOUN
fsr-3470	448	12	;	;	PUNCT
fsr-3470	448	13	our	our	PRON
fsr-3470	448	14	battery	battery	NOUN
fsr-3470	448	15	of	of	ADP
fsr-3470	448	16	questions	question	NOUN
fsr-3470	448	17	tests	test	VERB
fsr-3470	448	18	knowledge	knowledge	NOUN
fsr-3470	448	19	we	we	PRON
fsr-3470	448	20	identified	identify	VERB
fsr-3470	448	21	as	as	ADP
fsr-3470	448	22	crucial	crucial	ADJ
fsr-3470	448	23	to	to	ADP
fsr-3470	448	24	avoiding	avoid	VERB
fsr-3470	448	25	poor	poor	ADJ
fsr-3470	448	26	investment	investment	NOUN
fsr-3470	448	27	selection	selection	NOUN
fsr-3470	448	28	from	from	ADP
fsr-3470	448	29	the	the	DET
fsr-3470	448	30	pool	pool	NOUN
fsr-3470	448	31	of	of	ADP
fsr-3470	448	32	available	available	ADJ
fsr-3470	448	33	mutual	mutual	ADJ
fsr-3470	448	34	funds	fund	NOUN
fsr-3470	448	35	and	and	CCONJ
fsr-3470	448	36	etfs	etfs	NOUN
fsr-3470	448	37	.	.	PUNCT
fsr-3470	449	1	as	as	SCONJ
fsr-3470	449	2	b.	b.	PROPN
fsr-3470	449	3	scholl	scholl	PROPN
fsr-3470	449	4	and	and	CCONJ
fsr-3470	449	5	a.	a.	NOUN
fsr-3470	449	6	fontes	fontes	PROPN
fsr-3470	449	7	/	/	SYM
fsr-3470	449	8	financial	financial	ADJ
fsr-3470	449	9	services	service	NOUN
fsr-3470	449	10	review	review	VERB
fsr-3470	449	11	30	30	NUM
fsr-3470	449	12	(	(	PUNCT
fsr-3470	449	13	2022	2022	NUM
fsr-3470	449	14	)	)	PUNCT
fsr-3470	450	1	31–56	31–56	NUM
fsr-3470	450	2	51	51	NUM
fsr-3470	450	3	discussed	discuss	VERB
fsr-3470	450	4	,	,	PUNCT
fsr-3470	450	5	poor	poor	ADJ
fsr-3470	450	6	selection	selection	NOUN
fsr-3470	450	7	within	within	ADP
fsr-3470	450	8	this	this	DET
fsr-3470	450	9	class	class	NOUN
fsr-3470	450	10	of	of	ADP
fsr-3470	450	11	investments	investment	NOUN
fsr-3470	450	12	can	can	AUX
fsr-3470	450	13	have	have	VERB
fsr-3470	450	14	severe	severe	ADJ
fsr-3470	450	15	consequences	consequence	NOUN
fsr-3470	450	16	for	for	ADP
fsr-3470	450	17	investors	investor	NOUN
fsr-3470	450	18	.	.	PUNCT
fsr-3470	451	1	even	even	ADV
fsr-3470	451	2	for	for	ADP
fsr-3470	451	3	subgroups	subgroup	NOUN
fsr-3470	451	4	one	one	PRON
fsr-3470	451	5	would	would	AUX
fsr-3470	451	6	a	a	DET
fsr-3470	451	7	priori	priori	NOUN
fsr-3470	451	8	expect	expect	VERB
fsr-3470	451	9	to	to	PART
fsr-3470	451	10	perform	perform	VERB
fsr-3470	451	11	better	well	ADV
fsr-3470	451	12	(	(	PUNCT
fsr-3470	451	13	e.g.	e.g.	ADV
fsr-3470	451	14	,	,	PUNCT
fsr-3470	451	15	investors	investor	NOUN
fsr-3470	451	16	and	and	CCONJ
fsr-3470	451	17	high	high	ADJ
fsr-3470	451	18	general	general	ADJ
fsr-3470	451	19	financial	financial	ADJ
fsr-3470	451	20	literacy	literacy	NOUN
fsr-3470	451	21	individuals	individual	NOUN
fsr-3470	451	22	)	)	PUNCT
fsr-3470	451	23	,	,	PUNCT
fsr-3470	451	24	knowledge	knowledge	NOUN
fsr-3470	451	25	of	of	ADP
fsr-3470	451	26	key	key	ADJ
fsr-3470	451	27	fund	fund	NOUN
fsr-3470	451	28	characteristics	characteristic	NOUN
fsr-3470	451	29	is	be	AUX
fsr-3470	451	30	not	not	PART
fsr-3470	451	31	very	very	ADV
fsr-3470	451	32	robust	robust	ADJ
fsr-3470	451	33	.	.	PUNCT
fsr-3470	452	1	while	while	SCONJ
fsr-3470	452	2	these	these	DET
fsr-3470	452	3	higher	high	ADJ
fsr-3470	452	4	literacy	literacy	NOUN
fsr-3470	452	5	and	and	CCONJ
fsr-3470	452	6	experience	experience	NOUN
fsr-3470	452	7	groups	group	NOUN
fsr-3470	452	8	performed	perform	VERB
fsr-3470	452	9	reasonably	reasonably	ADV
fsr-3470	452	10	well	well	ADV
fsr-3470	452	11	on	on	ADP
fsr-3470	452	12	our	our	PRON
fsr-3470	452	13	market	market	NOUN
fsr-3470	452	14	options	option	NOUN
fsr-3470	452	15	and	and	CCONJ
fsr-3470	452	16	risk	risk	NOUN
fsr-3470	452	17	questions	question	NOUN
fsr-3470	452	18	,	,	PUNCT
fsr-3470	452	19	they	they	PRON
fsr-3470	452	20	performed	perform	VERB
fsr-3470	452	21	extremely	extremely	ADV
fsr-3470	452	22	poorly	poorly	ADV
fsr-3470	452	23	on	on	ADP
fsr-3470	452	24	questions	question	NOUN
fsr-3470	452	25	about	about	ADP
fsr-3470	452	26	fees	fee	NOUN
fsr-3470	452	27	and	and	CCONJ
fsr-3470	452	28	the	the	DET
fsr-3470	452	29	relationship	relationship	NOUN
fsr-3470	452	30	of	of	ADP
fsr-3470	452	31	past	past	ADJ
fsr-3470	452	32	and	and	CCONJ
fsr-3470	452	33	future	future	ADJ
fsr-3470	452	34	performance	performance	NOUN
fsr-3470	452	35	.	.	PUNCT
fsr-3470	453	1	the	the	DET
fsr-3470	453	2	limited	limited	ADJ
fsr-3470	453	3	understanding	understanding	NOUN
fsr-3470	453	4	of	of	ADP
fsr-3470	453	5	fees	fee	NOUN
fsr-3470	453	6	in	in	ADP
fsr-3470	453	7	particular	particular	ADJ
fsr-3470	453	8	is	be	AUX
fsr-3470	453	9	perhaps	perhaps	ADV
fsr-3470	453	10	the	the	DET
fsr-3470	453	11	most	most	ADV
fsr-3470	453	12	worrisome	worrisome	ADJ
fsr-3470	453	13	finding	finding	NOUN
fsr-3470	453	14	in	in	ADP
fsr-3470	453	15	that	that	DET
fsr-3470	453	16	fees	fee	NOUN
fsr-3470	453	17	and	and	CCONJ
fsr-3470	453	18	expenses	expense	NOUN
fsr-3470	453	19	are	be	AUX
fsr-3470	453	20	widely	widely	ADV
fsr-3470	453	21	viewed	view	VERB
fsr-3470	453	22	as	as	ADP
fsr-3470	453	23	perhaps	perhaps	ADV
fsr-3470	453	24	the	the	DET
fsr-3470	453	25	single	single	ADJ
fsr-3470	453	26	most	most	ADV
fsr-3470	453	27	important	important	ADJ
fsr-3470	453	28	aspect	aspect	NOUN
fsr-3470	453	29	of	of	ADP
fsr-3470	453	30	the	the	DET
fsr-3470	453	31	investor	investor	NOUN
fsr-3470	453	32	’s	’s	PART
fsr-3470	453	33	investment	investment	NOUN
fsr-3470	453	34	decision	decision	NOUN
fsr-3470	453	35	.	.	PUNCT
fsr-3470	454	1	it	it	PRON
fsr-3470	454	2	also	also	ADV
fsr-3470	454	3	suggests	suggest	VERB
fsr-3470	454	4	that	that	SCONJ
fsr-3470	454	5	financial	financial	ADJ
fsr-3470	454	6	intermediaries	intermediary	NOUN
fsr-3470	454	7	,	,	PUNCT
fsr-3470	454	8	the	the	DET
fsr-3470	454	9	educational	educational	ADJ
fsr-3470	454	10	system	system	NOUN
fsr-3470	454	11	,	,	PUNCT
fsr-3470	454	12	and	and	CCONJ
fsr-3470	454	13	regulators	regulator	NOUN
fsr-3470	454	14	are	be	AUX
fsr-3470	454	15	not	not	PART
fsr-3470	454	16	doing	do	VERB
fsr-3470	454	17	enough	enough	NOUN
fsr-3470	454	18	to	to	PART
fsr-3470	454	19	prepare	prepare	VERB
fsr-3470	454	20	people	people	NOUN
fsr-3470	454	21	to	to	PART
fsr-3470	454	22	make	make	VERB
fsr-3470	454	23	decisions	decision	NOUN
fsr-3470	454	24	crucial	crucial	ADJ
fsr-3470	454	25	to	to	ADP
fsr-3470	454	26	their	their	PRON
fsr-3470	454	27	own	own	ADJ
fsr-3470	454	28	well	well	ADV
fsr-3470	454	29	-	-	PUNCT
fsr-3470	454	30	being	being	NOUN
fsr-3470	454	31	;	;	PUNCT
fsr-3470	454	32	or	or	CCONJ
fsr-3470	454	33	alternatively	alternatively	ADV
fsr-3470	454	34	,	,	PUNCT
fsr-3470	454	35	it	it	PRON
fsr-3470	454	36	could	could	AUX
fsr-3470	454	37	indicate	indicate	VERB
fsr-3470	454	38	that	that	SCONJ
fsr-3470	454	39	the	the	DET
fsr-3470	454	40	investment	investment	NOUN
fsr-3470	454	41	marketplace	marketplace	NOUN
fsr-3470	454	42	itself	itself	PRON
fsr-3470	454	43	is	be	AUX
fsr-3470	454	44	simply	simply	ADV
fsr-3470	454	45	too	too	ADV
fsr-3470	454	46	complex	complex	ADJ
fsr-3470	454	47	for	for	SCONJ
fsr-3470	454	48	broad	broad	ADJ
fsr-3470	454	49	segments	segment	NOUN
fsr-3470	454	50	of	of	ADP
fsr-3470	454	51	the	the	DET
fsr-3470	454	52	population	population	NOUN
fsr-3470	454	53	to	to	PART
fsr-3470	454	54	navigate	navigate	VERB
fsr-3470	454	55	successfully	successfully	ADV
fsr-3470	454	56	.	.	PUNCT
fsr-3470	455	1	other	other	ADJ
fsr-3470	455	2	research	research	NOUN
fsr-3470	455	3	,	,	PUNCT
fsr-3470	455	4	including	include	VERB
fsr-3470	455	5	scholl	scholl	PROPN
fsr-3470	455	6	(	(	PUNCT
fsr-3470	455	7	2020	2020	NUM
fsr-3470	455	8	)	)	PUNCT
fsr-3470	455	9	and	and	CCONJ
fsr-3470	455	10	a	a	DET
fsr-3470	455	11	related	related	ADJ
fsr-3470	455	12	set	set	NOUN
fsr-3470	455	13	of	of	ADP
fsr-3470	455	14	experiments	experiment	NOUN
fsr-3470	455	15	,	,	PUNCT
fsr-3470	455	16	provide	provide	VERB
fsr-3470	455	17	evidence	evidence	NOUN
fsr-3470	455	18	that	that	SCONJ
fsr-3470	455	19	more	more	ADV
fsr-3470	455	20	sophisticated	sophisticated	ADJ
fsr-3470	455	21	investors	investor	NOUN
fsr-3470	455	22	have	have	AUX
fsr-3470	455	23	higher	high	ADJ
fsr-3470	455	24	mutual	mutual	ADJ
fsr-3470	455	25	fund	fund	NOUN
fsr-3470	455	26	knowledge	knowledge	NOUN
fsr-3470	455	27	(	(	PUNCT
fsr-3470	455	28	see	see	VERB
fsr-3470	455	29	chin	chin	PROPN
fsr-3470	455	30	,	,	PUNCT
fsr-3470	455	31	scholl	scholl	PROPN
fsr-3470	455	32	,	,	PUNCT
fsr-3470	455	33	&	&	CCONJ
fsr-3470	455	34	vanepps	vanepps	PROPN
fsr-3470	455	35	,	,	PUNCT
fsr-3470	455	36	2021	2021	NUM
fsr-3470	455	37	)	)	PUNCT
fsr-3470	455	38	.	.	PUNCT
fsr-3470	456	1	general	general	ADJ
fsr-3470	456	2	financial	financial	ADJ
fsr-3470	456	3	literacy	literacy	NOUN
fsr-3470	456	4	correlates	correlate	VERB
fsr-3470	456	5	with	with	ADP
fsr-3470	456	6	higher	high	ADJ
fsr-3470	456	7	mutual	mutual	ADJ
fsr-3470	456	8	fund	fund	NOUN
fsr-3470	456	9	knowledge	knowledge	NOUN
fsr-3470	456	10	(	(	PUNCT
fsr-3470	456	11	r	r	NOUN
fsr-3470	456	12	=	=	SYM
fsr-3470	456	13	0.44	0.44	NUM
fsr-3470	456	14	)	)	PUNCT
fsr-3470	456	15	,	,	PUNCT
fsr-3470	456	16	but	but	CCONJ
fsr-3470	456	17	nearly	nearly	ADV
fsr-3470	456	18	one	one	NUM
fsr-3470	456	19	-	-	PUNCT
fsr-3470	456	20	third	third	NOUN
fsr-3470	456	21	of	of	ADP
fsr-3470	456	22	high	high	ADJ
fsr-3470	456	23	financial	financial	ADJ
fsr-3470	456	24	literacy	literacy	NOUN
fsr-3470	456	25	individuals	individual	NOUN
fsr-3470	456	26	still	still	ADV
fsr-3470	456	27	did	do	VERB
fsr-3470	456	28	worse	bad	ADJ
fsr-3470	456	29	on	on	ADP
fsr-3470	456	30	the	the	DET
fsr-3470	456	31	question	question	NOUN
fsr-3470	456	32	battery	battery	NOUN
fsr-3470	456	33	than	than	ADP
fsr-3470	456	34	the	the	DET
fsr-3470	456	35	expected	expect	VERB
fsr-3470	456	36	value	value	NOUN
fsr-3470	456	37	from	from	ADP
fsr-3470	456	38	answering	answer	VERB
fsr-3470	456	39	randomly	randomly	ADV
fsr-3470	456	40	.	.	PUNCT
fsr-3470	457	1	this	this	DET
fsr-3470	457	2	highlights	highlight	VERB
fsr-3470	457	3	the	the	DET
fsr-3470	457	4	fact	fact	NOUN
fsr-3470	457	5	that	that	SCONJ
fsr-3470	457	6	our	our	PRON
fsr-3470	457	7	knowledge	knowledge	NOUN
fsr-3470	457	8	index	index	NOUN
fsr-3470	457	9	can	can	AUX
fsr-3470	457	10	serve	serve	VERB
fsr-3470	457	11	to	to	PART
fsr-3470	457	12	supplement	supplement	VERB
fsr-3470	457	13	general	general	ADJ
fsr-3470	457	14	financial	financial	ADJ
fsr-3470	457	15	literacy	literacy	NOUN
fsr-3470	457	16	measures	measure	NOUN
fsr-3470	457	17	in	in	ADP
fsr-3470	457	18	selected	select	VERB
fsr-3470	457	19	contexts	contexts	NOUN
fsr-3470	457	20	researchers	researcher	NOUN
fsr-3470	457	21	in	in	ADP
fsr-3470	457	22	understanding	understand	VERB
fsr-3470	457	23	decision	decision	NOUN
fsr-3470	457	24	-	-	PUNCT
fsr-3470	457	25	making	make	VERB
fsr-3470	457	26	pathologies	pathology	NOUN
fsr-3470	457	27	,	,	PUNCT
fsr-3470	457	28	and	and	CCONJ
fsr-3470	457	29	policymakers	policymaker	NOUN
fsr-3470	457	30	in	in	ADP
fsr-3470	457	31	terms	term	NOUN
fsr-3470	457	32	of	of	ADP
fsr-3470	457	33	assessing	assess	VERB
fsr-3470	457	34	population	population	NOUN
fsr-3470	457	35	vulnerabilities	vulnerability	NOUN
fsr-3470	457	36	and	and	CCONJ
fsr-3470	457	37	checking	check	VERB
fsr-3470	457	38	assumptions	assumption	NOUN
fsr-3470	457	39	about	about	ADP
fsr-3470	457	40	baseline	baseline	NOUN
fsr-3470	457	41	investor	investor	NOUN
fsr-3470	457	42	knowledge	knowledge	NOUN
fsr-3470	457	43	.	.	PUNCT
fsr-3470	458	1	we	we	PRON
fsr-3470	458	2	believe	believe	VERB
fsr-3470	458	3	financial	financial	ADJ
fsr-3470	458	4	regulatory	regulatory	ADJ
fsr-3470	458	5	authorities	authority	NOUN
fsr-3470	458	6	’	’	PART
fsr-3470	458	7	disclosure	disclosure	NOUN
fsr-3470	458	8	objectives	objective	NOUN
fsr-3470	458	9	relate	relate	VERB
fsr-3470	458	10	to	to	ADP
fsr-3470	458	11	disclosures	disclosure	NOUN
fsr-3470	458	12	that	that	PRON
fsr-3470	458	13	help	help	VERB
fsr-3470	458	14	investors	investor	NOUN
fsr-3470	458	15	make	make	VERB
fsr-3470	458	16	informed	informed	ADJ
fsr-3470	458	17	investment	investment	NOUN
fsr-3470	458	18	decisions	decision	NOUN
fsr-3470	458	19	in	in	ADP
fsr-3470	458	20	investment	investment	NOUN
fsr-3470	458	21	contexts	contexts	NOUN
fsr-3470	458	22	.	.	PUNCT
fsr-3470	459	1	our	our	PRON
fsr-3470	459	2	results	result	NOUN
fsr-3470	459	3	suggest	suggest	VERB
fsr-3470	459	4	that	that	SCONJ
fsr-3470	459	5	in	in	ADP
fsr-3470	459	6	the	the	DET
fsr-3470	459	7	context	context	NOUN
fsr-3470	459	8	of	of	ADP
fsr-3470	459	9	inhibiting	inhibit	VERB
fsr-3470	459	10	informed	informed	ADJ
fsr-3470	459	11	decision	decision	NOUN
fsr-3470	459	12	making	making	NOUN
fsr-3470	459	13	by	by	ADP
fsr-3470	459	14	investors	investor	NOUN
fsr-3470	459	15	,	,	PUNCT
fsr-3470	459	16	the	the	DET
fsr-3470	459	17	availability	availability	NOUN
fsr-3470	459	18	of	of	ADP
fsr-3470	459	19	information	information	NOUN
fsr-3470	459	20	may	may	AUX
fsr-3470	459	21	be	be	AUX
fsr-3470	459	22	less	less	ADV
fsr-3470	459	23	important	important	ADJ
fsr-3470	459	24	than	than	ADP
fsr-3470	459	25	investors	investor	NOUN
fsr-3470	459	26	’	'	PUNCT
fsr-3470	459	27	(	(	PUNCT
fsr-3470	459	28	in)ability	in)ability	NOUN
fsr-3470	459	29	to	to	PART
fsr-3470	459	30	interpret	interpret	VERB
fsr-3470	459	31	it	it	PRON
fsr-3470	459	32	.	.	PUNCT
fsr-3470	460	1	notes	note	VERB
fsr-3470	460	2	1	1	NUM
fsr-3470	460	3	this	this	DET
fsr-3470	460	4	article	article	NOUN
fsr-3470	460	5	will	will	AUX
fsr-3470	460	6	discuss	discuss	VERB
fsr-3470	460	7	knowledge	knowledge	NOUN
fsr-3470	460	8	of	of	ADP
fsr-3470	460	9	properties	property	NOUN
fsr-3470	460	10	largely	largely	ADV
fsr-3470	460	11	common	common	ADJ
fsr-3470	460	12	to	to	ADP
fsr-3470	460	13	mutual	mutual	ADJ
fsr-3470	460	14	funds	fund	NOUN
fsr-3470	460	15	and	and	CCONJ
fsr-3470	460	16	exchange	exchange	NOUN
fsr-3470	460	17	traded	trade	VERB
fsr-3470	460	18	funds	fund	NOUN
fsr-3470	460	19	(	(	PUNCT
fsr-3470	460	20	etfs	etfs	PROPN
fsr-3470	460	21	)	)	PUNCT
fsr-3470	460	22	.	.	PUNCT
fsr-3470	461	1	henceforth	henceforth	ADV
fsr-3470	461	2	;	;	PUNCT
fsr-3470	461	3	we	we	PRON
fsr-3470	461	4	will	will	AUX
fsr-3470	461	5	simply	simply	ADV
fsr-3470	461	6	refer	refer	VERB
fsr-3470	461	7	to	to	ADP
fsr-3470	461	8	these	these	PRON
fsr-3470	461	9	as	as	ADP
fsr-3470	461	10	“	"	PUNCT
fsr-3470	461	11	mutual	mutual	ADJ
fsr-3470	461	12	funds	fund	NOUN
fsr-3470	461	13	.	.	PUNCT
fsr-3470	461	14	”	"	PUNCT
fsr-3470	462	1	while	while	SCONJ
fsr-3470	462	2	there	there	PRON
fsr-3470	462	3	are	be	VERB
fsr-3470	462	4	technical	technical	ADJ
fsr-3470	462	5	differences	difference	NOUN
fsr-3470	462	6	between	between	ADP
fsr-3470	462	7	the	the	DET
fsr-3470	462	8	two	two	NUM
fsr-3470	462	9	(	(	PUNCT
fsr-3470	462	10	e.g.	e.g.	ADV
fsr-3470	462	11	,	,	PUNCT
fsr-3470	462	12	how	how	SCONJ
fsr-3470	462	13	they	they	PRON
fsr-3470	462	14	are	be	AUX
fsr-3470	462	15	traded	trade	VERB
fsr-3470	462	16	)	)	PUNCT
fsr-3470	462	17	,	,	PUNCT
fsr-3470	462	18	these	these	DET
fsr-3470	462	19	differences	difference	NOUN
fsr-3470	462	20	are	be	AUX
fsr-3470	462	21	of	of	ADP
fsr-3470	462	22	little	little	ADJ
fsr-3470	462	23	consequence	consequence	NOUN
fsr-3470	462	24	to	to	ADP
fsr-3470	462	25	our	our	PRON
fsr-3470	462	26	context	context	NOUN
fsr-3470	462	27	here	here	ADV
fsr-3470	462	28	)	)	PUNCT
fsr-3470	462	29	.	.	PUNCT
fsr-3470	463	1	2	2	NUM
fsr-3470	463	2	unless	unless	SCONJ
fsr-3470	463	3	otherwise	otherwise	ADV
fsr-3470	463	4	noted	note	VERB
fsr-3470	463	5	,	,	PUNCT
fsr-3470	463	6	facts	fact	NOUN
fsr-3470	463	7	described	describe	VERB
fsr-3470	463	8	here	here	ADV
fsr-3470	463	9	are	be	AUX
fsr-3470	463	10	documented	document	VERB
fsr-3470	463	11	in	in	ADP
fsr-3470	463	12	(	(	PUNCT
fsr-3470	463	13	scholl	scholl	PROPN
fsr-3470	463	14	&	&	CCONJ
fsr-3470	463	15	hung	hung	PROPN
fsr-3470	463	16	,	,	PUNCT
fsr-3470	463	17	2018	2018	NUM
fsr-3470	463	18	)	)	PUNCT
fsr-3470	463	19	,	,	PUNCT
fsr-3470	463	20	including	include	VERB
fsr-3470	463	21	facts	fact	NOUN
fsr-3470	463	22	about	about	ADP
fsr-3470	463	23	ownership	ownership	NOUN
fsr-3470	463	24	of	of	ADP
fsr-3470	463	25	mutual	mutual	ADJ
fsr-3470	463	26	funds	fund	NOUN
fsr-3470	463	27	and	and	CCONJ
fsr-3470	463	28	etfs	etfs	NOUN
fsr-3470	463	29	,	,	PUNCT
fsr-3470	463	30	account	account	NOUN
fsr-3470	463	31	types	type	NOUN
fsr-3470	463	32	,	,	PUNCT
fsr-3470	463	33	and	and	CCONJ
fsr-3470	463	34	the	the	DET
fsr-3470	463	35	prevalence	prevalence	NOUN
fsr-3470	463	36	of	of	ADP
fsr-3470	463	37	funds	fund	NOUN
fsr-3470	463	38	in	in	ADP
fsr-3470	463	39	educational	educational	ADJ
fsr-3470	463	40	and	and	CCONJ
fsr-3470	463	41	retirement	retirement	NOUN
fsr-3470	463	42	accounts	account	NOUN
fsr-3470	463	43	.	.	PUNCT
fsr-3470	464	1	3	3	NUM
fsr-3470	464	2	direct	direct	ADJ
fsr-3470	464	3	communication	communication	NOUN
fsr-3470	464	4	with	with	ADP
fsr-3470	464	5	investors	investor	NOUN
fsr-3470	464	6	is	be	AUX
fsr-3470	464	7	only	only	ADV
fsr-3470	464	8	one	one	NUM
fsr-3470	464	9	purpose	purpose	NOUN
fsr-3470	464	10	for	for	ADP
fsr-3470	464	11	disclosures	disclosure	NOUN
fsr-3470	464	12	,	,	PUNCT
fsr-3470	464	13	and	and	CCONJ
fsr-3470	464	14	disclosures	disclosure	NOUN
fsr-3470	464	15	are	be	AUX
fsr-3470	464	16	vital	vital	ADJ
fsr-3470	464	17	to	to	ADP
fsr-3470	464	18	helping	help	VERB
fsr-3470	464	19	markets	market	NOUN
fsr-3470	464	20	to	to	PART
fsr-3470	464	21	operate	operate	VERB
fsr-3470	464	22	in	in	ADP
fsr-3470	464	23	other	other	ADJ
fsr-3470	464	24	ways	way	NOUN
fsr-3470	464	25	.	.	PUNCT
fsr-3470	465	1	for	for	ADP
fsr-3470	465	2	example	example	NOUN
fsr-3470	465	3	,	,	PUNCT
fsr-3470	465	4	they	they	PRON
fsr-3470	465	5	also	also	ADV
fsr-3470	465	6	communicate	communicate	VERB
fsr-3470	465	7	critical	critical	ADJ
fsr-3470	465	8	information	information	NOUN
fsr-3470	465	9	to	to	ADP
fsr-3470	465	10	financial	financial	ADJ
fsr-3470	465	11	professionals	professional	NOUN
fsr-3470	465	12	who	who	PRON
fsr-3470	465	13	may	may	AUX
fsr-3470	465	14	serve	serve	VERB
fsr-3470	465	15	as	as	ADP
fsr-3470	465	16	intermediaries	intermediary	NOUN
fsr-3470	465	17	for	for	ADP
fsr-3470	465	18	the	the	DET
fsr-3470	465	19	investors	investor	NOUN
fsr-3470	465	20	.	.	PUNCT
fsr-3470	466	1	4	4	NUM
fsr-3470	466	2	funds	fund	NOUN
fsr-3470	466	3	fall	fall	VERB
fsr-3470	466	4	into	into	ADP
fsr-3470	466	5	the	the	DET
fsr-3470	466	6	purview	purview	NOUN
fsr-3470	466	7	of	of	ADP
fsr-3470	466	8	other	other	ADJ
fsr-3470	466	9	regulators	regulator	NOUN
fsr-3470	466	10	in	in	ADP
fsr-3470	466	11	certain	certain	ADJ
fsr-3470	466	12	contexts	context	NOUN
fsr-3470	466	13	.	.	PUNCT
fsr-3470	467	1	for	for	ADP
fsr-3470	467	2	example	example	NOUN
fsr-3470	467	3	,	,	PUNCT
fsr-3470	467	4	the	the	DET
fsr-3470	467	5	department	department	NOUN
fsr-3470	467	6	of	of	ADP
fsr-3470	467	7	labor	labor	NOUN
fsr-3470	467	8	has	have	VERB
fsr-3470	467	9	jurisdiction	jurisdiction	NOUN
fsr-3470	467	10	over	over	ADP
fsr-3470	467	11	certain	certain	ADJ
fsr-3470	467	12	types	type	NOUN
fsr-3470	467	13	of	of	ADP
fsr-3470	467	14	accounts	account	NOUN
fsr-3470	467	15	that	that	PRON
fsr-3470	467	16	typically	typically	ADV
fsr-3470	467	17	are	be	AUX
fsr-3470	467	18	comprised	comprise	VERB
fsr-3470	467	19	of	of	ADP
fsr-3470	467	20	mutual	mutual	ADJ
fsr-3470	467	21	funds	fund	NOUN
fsr-3470	467	22	and	and	CCONJ
fsr-3470	467	23	exchange	exchange	NOUN
fsr-3470	467	24	traded	trade	VERB
fsr-3470	467	25	funds	fund	NOUN
fsr-3470	467	26	.	.	PUNCT
fsr-3470	468	1	52	52	NUM
fsr-3470	468	2	b.	b.	PROPN
fsr-3470	468	3	scholl	scholl	PROPN
fsr-3470	468	4	and	and	CCONJ
fsr-3470	468	5	a.	a.	NOUN
fsr-3470	468	6	fontes	fontes	PROPN
fsr-3470	468	7	/	/	SYM
fsr-3470	468	8	financial	financial	ADJ
fsr-3470	468	9	services	service	NOUN
fsr-3470	468	10	review	review	VERB
fsr-3470	468	11	30	30	NUM
fsr-3470	468	12	(	(	PUNCT
fsr-3470	468	13	2022	2022	NUM
fsr-3470	468	14	)	)	PUNCT
fsr-3470	469	1	31–56	31–56	NUM
fsr-3470	469	2	5	5	NUM
fsr-3470	469	3	gruber	gruber	NOUN
fsr-3470	469	4	(	(	PUNCT
fsr-3470	469	5	1996	1996	NUM
fsr-3470	469	6	)	)	PUNCT
fsr-3470	469	7	,	,	PUNCT
fsr-3470	469	8	elton	elton	PROPN
fsr-3470	469	9	et	et	PROPN
fsr-3470	469	10	al	al	PROPN
fsr-3470	469	11	.	.	PROPN
fsr-3470	470	1	(	(	PUNCT
fsr-3470	470	2	1993	1993	NUM
fsr-3470	470	3	)	)	PUNCT
fsr-3470	470	4	,	,	PUNCT
fsr-3470	470	5	elton	elton	PROPN
fsr-3470	470	6	and	and	CCONJ
fsr-3470	470	7	gruber	gruber	PROPN
fsr-3470	470	8	(	(	PUNCT
fsr-3470	470	9	2013	2013	NUM
fsr-3470	470	10	)	)	PUNCT
fsr-3470	470	11	,	,	PUNCT
fsr-3470	470	12	elton	elton	PROPN
fsr-3470	470	13	et	et	PROPN
fsr-3470	470	14	al	al	PROPN
fsr-3470	470	15	.	.	PROPN
fsr-3470	471	1	(	(	PUNCT
fsr-3470	471	2	2011	2011	NUM
fsr-3470	471	3	)	)	PUNCT
fsr-3470	471	4	.	.	PUNCT
fsr-3470	472	1	6	6	NUM
fsr-3470	472	2	see	see	VERB
fsr-3470	472	3	,	,	PUNCT
fsr-3470	472	4	for	for	ADP
fsr-3470	472	5	example	example	NOUN
fsr-3470	472	6	,	,	PUNCT
fsr-3470	472	7	the	the	DET
fsr-3470	472	8	recommendation	recommendation	NOUN
fsr-3470	472	9	of	of	ADP
fsr-3470	472	10	the	the	DET
fsr-3470	472	11	sec	sec	PROPN
fsr-3470	472	12	’s	’s	PART
fsr-3470	472	13	investor	investor	NOUN
fsr-3470	472	14	advisory	advisory	PROPN
fsr-3470	472	15	committee	committee	NOUN
fsr-3470	472	16	on	on	ADP
fsr-3470	472	17	fee	fee	NOUN
fsr-3470	472	18	disclosures	disclosure	NOUN
fsr-3470	472	19	:	:	PUNCT
fsr-3470	472	20	https://www.sec.gov/spotlight/investor-advisory-committee2012/recommendation-mf-fee-disclosure-041916.pdf	https://www.sec.gov/spotlight/investor-advisory-committee2012/recommendation-mf-fee-disclosure-041916.pdf	NOUN
fsr-3470	472	21	.	.	PUNCT
fsr-3470	473	1	7	7	NUM
fsr-3470	473	2	scholl	scholl	NOUN
fsr-3470	473	3	and	and	CCONJ
fsr-3470	473	4	fontes	fonte	NOUN
fsr-3470	473	5	(	(	PUNCT
fsr-3470	473	6	2019	2019	NUM
fsr-3470	473	7	,	,	PUNCT
fsr-3470	473	8	2020	2020	NUM
fsr-3470	473	9	)	)	PUNCT
fsr-3470	473	10	provide	provide	VERB
fsr-3470	473	11	subgroup	subgroup	ADJ
fsr-3470	473	12	analysis	analysis	NOUN
fsr-3470	473	13	in	in	ADP
fsr-3470	473	14	greater	great	ADJ
fsr-3470	473	15	depth	depth	NOUN
fsr-3470	473	16	.	.	PUNCT
fsr-3470	474	1	8	8	NUM
fsr-3470	474	2	alexander	alexander	PROPN
fsr-3470	474	3	,	,	PUNCT
fsr-3470	474	4	jones	jones	PROPN
fsr-3470	474	5	,	,	PUNCT
fsr-3470	474	6	and	and	CCONJ
fsr-3470	474	7	nigro	nigro	NOUN
fsr-3470	474	8	(	(	PUNCT
fsr-3470	474	9	1998	1998	NUM
fsr-3470	474	10	)	)	PUNCT
fsr-3470	474	11	only	only	ADV
fsr-3470	474	12	sample	sample	NOUN
fsr-3470	474	13	individuals	individual	NOUN
fsr-3470	474	14	in	in	ADP
fsr-3470	474	15	mutual	mutual	ADJ
fsr-3470	474	16	fund	fund	NOUN
fsr-3470	474	17	owning	own	VERB
fsr-3470	474	18	households	household	NOUN
fsr-3470	474	19	.	.	PUNCT
fsr-3470	475	1	9	9	NUM
fsr-3470	475	2	technical	technical	ADJ
fsr-3470	475	3	documentation	documentation	NOUN
fsr-3470	475	4	for	for	ADP
fsr-3470	475	5	amerispeak	amerispeak	NOUN
fsr-3470	475	6	is	be	AUX
fsr-3470	475	7	available	available	ADJ
fsr-3470	475	8	at	at	ADP
fsr-3470	475	9	:	:	PUNCT
fsr-3470	475	10	https://amerispeak.norc.org/	https://amerispeak.norc.org/	ADJ
fsr-3470	475	11	documents	document	NOUN
fsr-3470	475	12	/	/	SYM
fsr-3470	475	13	research	research	NOUN
fsr-3470	475	14	/	/	SYM
fsr-3470	475	15	amerispeak%20technical%20overview%202019%2002%2018	amerispeak%20technical%20overview%202019%2002%2018	NOUN
fsr-3470	475	16	.	.	PUNCT
fsr-3470	476	1	pdf	pdf	NOUN
fsr-3470	476	2	.	.	PUNCT
fsr-3470	477	1	a	a	DET
fsr-3470	477	2	list	list	NOUN
fsr-3470	477	3	of	of	ADP
fsr-3470	477	4	publications	publication	NOUN
fsr-3470	477	5	using	use	VERB
fsr-3470	477	6	amerispeak	amerispeak	ADJ
fsr-3470	477	7	data	datum	NOUN
fsr-3470	477	8	can	can	AUX
fsr-3470	477	9	be	be	AUX
fsr-3470	477	10	found	find	VERB
fsr-3470	477	11	at	at	ADP
fsr-3470	477	12	:	:	PUNCT
fsr-3470	477	13	https://amerispeak	https://amerispeak	PROPN
fsr-3470	477	14	.	.	PROPN
fsr-3470	477	15	norc.org/research/pages/default.aspx	norc.org/research/pages/default.aspx	PROPN
fsr-3470	477	16	.	.	PROPN
fsr-3470	477	17	10	10	NUM
fsr-3470	477	18	norc	norc	NOUN
fsr-3470	477	19	’s	’s	PART
fsr-3470	477	20	national	national	ADJ
fsr-3470	477	21	frame	frame	NOUN
fsr-3470	477	22	is	be	AUX
fsr-3470	477	23	used	use	VERB
fsr-3470	477	24	for	for	ADP
fsr-3470	477	25	the	the	DET
fsr-3470	477	26	amerispeak	amerispeak	ADJ
fsr-3470	477	27	panel	panel	NOUN
fsr-3470	477	28	,	,	PUNCT
fsr-3470	477	29	as	as	ADV
fsr-3470	477	30	well	well	ADV
fsr-3470	477	31	as	as	ADP
fsr-3470	477	32	other	other	ADJ
fsr-3470	477	33	federal	federal	ADJ
fsr-3470	477	34	surveys	survey	NOUN
fsr-3470	477	35	including	include	VERB
fsr-3470	477	36	the	the	DET
fsr-3470	477	37	survey	survey	NOUN
fsr-3470	477	38	of	of	ADP
fsr-3470	477	39	consumer	consumer	NOUN
fsr-3470	477	40	finances	finance	NOUN
fsr-3470	477	41	and	and	CCONJ
fsr-3470	477	42	the	the	DET
fsr-3470	477	43	general	general	ADJ
fsr-3470	477	44	social	social	ADJ
fsr-3470	477	45	survey	survey	NOUN
fsr-3470	477	46	.	.	PUNCT
fsr-3470	478	1	11	11	NUM
fsr-3470	478	2	results	result	NOUN
fsr-3470	478	3	presented	present	VERB
fsr-3470	478	4	in	in	ADP
fsr-3470	478	5	this	this	DET
fsr-3470	478	6	article	article	NOUN
fsr-3470	478	7	do	do	AUX
fsr-3470	478	8	not	not	PART
fsr-3470	478	9	use	use	VERB
fsr-3470	478	10	survey	survey	NOUN
fsr-3470	478	11	weights	weight	NOUN
fsr-3470	478	12	that	that	PRON
fsr-3470	478	13	would	would	AUX
fsr-3470	478	14	bring	bring	VERB
fsr-3470	478	15	these	these	DET
fsr-3470	478	16	demographics	demographic	NOUN
fsr-3470	478	17	more	more	ADV
fsr-3470	478	18	in	in	ADP
fsr-3470	478	19	line	line	NOUN
fsr-3470	478	20	with	with	ADP
fsr-3470	478	21	the	the	DET
fsr-3470	478	22	u.s	u.s	PROPN
fsr-3470	478	23	.	.	PROPN
fsr-3470	478	24	population	population	NOUN
fsr-3470	478	25	.	.	PUNCT
fsr-3470	479	1	12	12	NUM
fsr-3470	479	2	the	the	DET
fsr-3470	479	3	index	index	NOUN
fsr-3470	479	4	presented	present	VERB
fsr-3470	479	5	in	in	ADP
fsr-3470	479	6	this	this	DET
fsr-3470	479	7	article	article	NOUN
fsr-3470	479	8	treats	treat	NOUN
fsr-3470	479	9	skipped	skip	VERB
fsr-3470	479	10	questions	question	NOUN
fsr-3470	479	11	and	and	CCONJ
fsr-3470	479	12	incorrect	incorrect	ADJ
fsr-3470	479	13	answers	answer	NOUN
fsr-3470	479	14	as	as	ADP
fsr-3470	479	15	incorrect	incorrect	ADJ
fsr-3470	479	16	answers	answer	NOUN
fsr-3470	479	17	.	.	PUNCT
fsr-3470	480	1	in	in	ADP
fsr-3470	480	2	previous	previous	ADJ
fsr-3470	480	3	work	work	NOUN
fsr-3470	480	4	,	,	PUNCT
fsr-3470	480	5	we	we	PRON
fsr-3470	480	6	also	also	ADV
fsr-3470	480	7	constructed	construct	VERB
fsr-3470	480	8	a	a	DET
fsr-3470	480	9	penalty	penalty	NOUN
fsr-3470	480	10	-	-	PUNCT
fsr-3470	480	11	adjusted	adjust	VERB
fsr-3470	480	12	version	version	NOUN
fsr-3470	480	13	of	of	ADP
fsr-3470	480	14	the	the	DET
fsr-3470	480	15	score	score	NOUN
fsr-3470	480	16	,	,	PUNCT
fsr-3470	480	17	which	which	PRON
fsr-3470	480	18	penalized	penalize	VERB
fsr-3470	480	19	incorrect	incorrect	ADJ
fsr-3470	480	20	answers	answer	NOUN
fsr-3470	480	21	.	.	PUNCT
fsr-3470	481	1	the	the	DET
fsr-3470	481	2	two	two	NUM
fsr-3470	481	3	scores	score	NOUN
fsr-3470	481	4	are	be	AUX
fsr-3470	481	5	highly	highly	ADV
fsr-3470	481	6	correlated	correlate	VERB
fsr-3470	481	7	,	,	PUNCT
fsr-3470	481	8	with	with	ADP
fsr-3470	481	9	the	the	DET
fsr-3470	481	10	penalty	penalty	NOUN
fsr-3470	481	11	-	-	PUNCT
fsr-3470	481	12	adjusted	adjust	VERB
fsr-3470	481	13	scores	score	NOUN
fsr-3470	481	14	providing	provide	VERB
fsr-3470	481	15	more	more	ADJ
fsr-3470	481	16	separation	separation	NOUN
fsr-3470	481	17	between	between	ADP
fsr-3470	481	18	subgroups	subgroup	NOUN
fsr-3470	481	19	,	,	PUNCT
fsr-3470	481	20	but	but	CCONJ
fsr-3470	481	21	are	be	AUX
fsr-3470	481	22	overall	overall	ADV
fsr-3470	481	23	highly	highly	ADV
fsr-3470	481	24	correlated	correlate	VERB
fsr-3470	481	25	.	.	PUNCT
fsr-3470	482	1	many	many	ADJ
fsr-3470	482	2	of	of	ADP
fsr-3470	482	3	the	the	DET
fsr-3470	482	4	additional	additional	ADJ
fsr-3470	482	5	questions	question	NOUN
fsr-3470	482	6	that	that	PRON
fsr-3470	482	7	were	be	AUX
fsr-3470	482	8	proposed	propose	VERB
fsr-3470	482	9	are	be	AUX
fsr-3470	482	10	discussed	discuss	VERB
fsr-3470	482	11	in	in	ADP
fsr-3470	482	12	scholl	scholl	PROPN
fsr-3470	482	13	and	and	CCONJ
fsr-3470	482	14	fontes	fonte	NOUN
fsr-3470	482	15	(	(	PUNCT
fsr-3470	482	16	2019	2019	NUM
fsr-3470	482	17	)	)	PUNCT
fsr-3470	482	18	.	.	PUNCT
fsr-3470	483	1	13	13	NUM
fsr-3470	483	2	as	as	ADP
fsr-3470	483	3	of	of	ADP
fsr-3470	483	4	1996	1996	NUM
fsr-3470	483	5	,	,	PUNCT
fsr-3470	483	6	states	state	NOUN
fsr-3470	483	7	do	do	AUX
fsr-3470	483	8	not	not	PART
fsr-3470	483	9	technically	technically	ADV
fsr-3470	483	10	register	register	VERB
fsr-3470	483	11	mutual	mutual	ADJ
fsr-3470	483	12	funds	fund	NOUN
fsr-3470	483	13	,	,	PUNCT
fsr-3470	483	14	but	but	CCONJ
fsr-3470	483	15	they	they	PRON
fsr-3470	483	16	do	do	AUX
fsr-3470	483	17	collect	collect	VERB
fsr-3470	483	18	certain	certain	ADJ
fsr-3470	483	19	fees	fee	NOUN
fsr-3470	483	20	associated	associate	VERB
fsr-3470	483	21	with	with	ADP
fsr-3470	483	22	mutual	mutual	ADJ
fsr-3470	483	23	fund	fund	NOUN
fsr-3470	483	24	filings	filing	NOUN
fsr-3470	483	25	.	.	PUNCT
fsr-3470	484	1	the	the	DET
fsr-3470	484	2	intent	intent	NOUN
fsr-3470	484	3	of	of	ADP
fsr-3470	484	4	this	this	DET
fsr-3470	484	5	question	question	NOUN
fsr-3470	484	6	was	be	AUX
fsr-3470	484	7	to	to	PART
fsr-3470	484	8	measure	measure	VERB
fsr-3470	484	9	whether	whether	SCONJ
fsr-3470	484	10	investors	investor	NOUN
fsr-3470	484	11	believe	believe	VERB
fsr-3470	484	12	that	that	SCONJ
fsr-3470	484	13	the	the	DET
fsr-3470	484	14	regulatory	regulatory	ADJ
fsr-3470	484	15	environment	environment	NOUN
fsr-3470	484	16	prevents	prevent	VERB
fsr-3470	484	17	the	the	DET
fsr-3470	484	18	loss	loss	NOUN
fsr-3470	484	19	of	of	ADP
fsr-3470	484	20	money	money	NOUN
fsr-3470	484	21	,	,	PUNCT
fsr-3470	484	22	not	not	PART
fsr-3470	484	23	to	to	PART
fsr-3470	484	24	test	test	VERB
fsr-3470	484	25	their	their	PRON
fsr-3470	484	26	knowledge	knowledge	NOUN
fsr-3470	484	27	of	of	ADP
fsr-3470	484	28	the	the	DET
fsr-3470	484	29	specific	specific	ADJ
fsr-3470	484	30	responsibilities	responsibility	NOUN
fsr-3470	484	31	of	of	ADP
fsr-3470	484	32	individual	individual	ADJ
fsr-3470	484	33	regulators	regulator	NOUN
fsr-3470	484	34	or	or	CCONJ
fsr-3470	484	35	the	the	DET
fsr-3470	484	36	division	division	NOUN
fsr-3470	484	37	of	of	ADP
fsr-3470	484	38	state	state	NOUN
fsr-3470	484	39	/	/	SYM
fsr-3470	484	40	federal	federal	ADJ
fsr-3470	484	41	roles	role	NOUN
fsr-3470	484	42	.	.	PUNCT
fsr-3470	485	1	this	this	DET
fsr-3470	485	2	question	question	NOUN
fsr-3470	485	3	phrasing	phrasing	NOUN
fsr-3470	485	4	was	be	AUX
fsr-3470	485	5	adopted	adopt	VERB
fsr-3470	485	6	because	because	SCONJ
fsr-3470	485	7	it	it	PRON
fsr-3470	485	8	was	be	AUX
fsr-3470	485	9	deemed	deem	VERB
fsr-3470	485	10	possible	possible	ADJ
fsr-3470	485	11	that	that	SCONJ
fsr-3470	485	12	individuals	individual	NOUN
fsr-3470	485	13	might	might	AUX
fsr-3470	485	14	not	not	PART
fsr-3470	485	15	know	know	VERB
fsr-3470	485	16	how	how	SCONJ
fsr-3470	485	17	to	to	PART
fsr-3470	485	18	distinguish	distinguish	VERB
fsr-3470	485	19	between	between	ADP
fsr-3470	485	20	state	state	NOUN
fsr-3470	485	21	and	and	CCONJ
fsr-3470	485	22	federal	federal	ADJ
fsr-3470	485	23	powers	power	NOUN
fsr-3470	485	24	and	and	CCONJ
fsr-3470	485	25	roles	role	NOUN
fsr-3470	485	26	as	as	SCONJ
fsr-3470	485	27	they	they	PRON
fsr-3470	485	28	have	have	AUX
fsr-3470	485	29	evolved	evolve	VERB
fsr-3470	485	30	over	over	ADP
fsr-3470	485	31	time	time	NOUN
fsr-3470	485	32	.	.	PUNCT
fsr-3470	486	1	testing	testing	NOUN
fsr-3470	486	2	did	do	AUX
fsr-3470	486	3	not	not	PART
fsr-3470	486	4	reveal	reveal	VERB
fsr-3470	486	5	any	any	DET
fsr-3470	486	6	particular	particular	ADJ
fsr-3470	486	7	focus	focus	NOUN
fsr-3470	486	8	on	on	ADP
fsr-3470	486	9	the	the	DET
fsr-3470	486	10	first	first	ADJ
fsr-3470	486	11	clause	clause	NOUN
fsr-3470	486	12	in	in	ADP
fsr-3470	486	13	the	the	DET
fsr-3470	486	14	question	question	NOUN
fsr-3470	486	15	(	(	PUNCT
fsr-3470	486	16	example	example	NOUN
fsr-3470	486	17	regulators	regulator	NOUN
fsr-3470	486	18	)	)	PUNCT
fsr-3470	486	19	,	,	PUNCT
fsr-3470	486	20	respondents	respondent	NOUN
fsr-3470	486	21	’	'	PUNCT
fsr-3470	486	22	attention	attention	NOUN
fsr-3470	486	23	appeared	appear	VERB
fsr-3470	486	24	to	to	PART
fsr-3470	486	25	have	have	AUX
fsr-3470	486	26	been	be	AUX
fsr-3470	486	27	placed	place	VERB
fsr-3470	486	28	on	on	ADP
fsr-3470	486	29	the	the	DET
fsr-3470	486	30	second	second	ADJ
fsr-3470	486	31	clause	clause	NOUN
fsr-3470	486	32	(	(	PUNCT
fsr-3470	486	33	whether	whether	SCONJ
fsr-3470	486	34	or	or	CCONJ
fsr-3470	486	35	not	not	PART
fsr-3470	486	36	you	you	PRON
fsr-3470	486	37	“	"	PUNCT
fsr-3470	486	38	can	can	AUX
fsr-3470	486	39	not	not	PART
fsr-3470	486	40	lose	lose	VERB
fsr-3470	486	41	money	money	NOUN
fsr-3470	486	42	”	"	PUNCT
fsr-3470	486	43	)	)	PUNCT
fsr-3470	486	44	.	.	PUNCT
fsr-3470	487	1	14	14	NUM
fsr-3470	487	2	“	"	PUNCT
fsr-3470	487	3	past	past	ADJ
fsr-3470	487	4	performance	performance	NOUN
fsr-3470	487	5	does	do	AUX
fsr-3470	487	6	not	not	PART
fsr-3470	487	7	guarantee	guarantee	VERB
fsr-3470	487	8	future	future	ADJ
fsr-3470	487	9	results	result	NOUN
fsr-3470	487	10	.	.	PUNCT
fsr-3470	487	11	”	"	PUNCT
fsr-3470	488	1	15	15	NUM
fsr-3470	488	2	this	this	DET
fsr-3470	488	3	result	result	NOUN
fsr-3470	488	4	may	may	AUX
fsr-3470	488	5	suggest	suggest	VERB
fsr-3470	488	6	that	that	SCONJ
fsr-3470	488	7	mutual	mutual	ADJ
fsr-3470	488	8	fund	fund	NOUN
fsr-3470	488	9	warning	warning	NOUN
fsr-3470	488	10	labels	label	NOUN
fsr-3470	488	11	are	be	AUX
fsr-3470	488	12	ambiguous	ambiguous	ADJ
fsr-3470	488	13	,	,	PUNCT
fsr-3470	488	14	ineffective	ineffective	ADJ
fsr-3470	488	15	,	,	PUNCT
fsr-3470	488	16	ill	ill	ADV
fsr-3470	488	17	placed	place	VERB
fsr-3470	488	18	or	or	CCONJ
fsr-3470	488	19	not	not	PART
fsr-3470	488	20	understood	understand	VERB
fsr-3470	488	21	,	,	PUNCT
fsr-3470	488	22	but	but	CCONJ
fsr-3470	488	23	it	it	PRON
fsr-3470	488	24	could	could	AUX
fsr-3470	488	25	also	also	ADV
fsr-3470	488	26	reflect	reflect	VERB
fsr-3470	488	27	the	the	DET
fsr-3470	488	28	fact	fact	NOUN
fsr-3470	488	29	that	that	SCONJ
fsr-3470	488	30	investors	investor	NOUN
fsr-3470	488	31	struggle	struggle	VERB
fsr-3470	488	32	to	to	PART
fsr-3470	488	33	identify	identify	VERB
fsr-3470	488	34	specific	specific	ADJ
fsr-3470	488	35	characteristics	characteristic	NOUN
fsr-3470	488	36	that	that	PRON
fsr-3470	488	37	help	help	AUX
fsr-3470	488	38	determine	determine	VERB
fsr-3470	488	39	how	how	SCONJ
fsr-3470	488	40	a	a	DET
fsr-3470	488	41	mutual	mutual	ADJ
fsr-3470	488	42	fund	fund	NOUN
fsr-3470	488	43	will	will	AUX
fsr-3470	488	44	perform	perform	VERB
fsr-3470	488	45	and	and	CCONJ
fsr-3470	488	46	are	be	AUX
fsr-3470	488	47	left	leave	VERB
fsr-3470	488	48	to	to	PART
fsr-3470	488	49	contemplate	contemplate	VERB
fsr-3470	488	50	past	past	ADJ
fsr-3470	488	51	performance	performance	NOUN
fsr-3470	488	52	when	when	SCONJ
fsr-3470	488	53	no	no	DET
fsr-3470	488	54	other	other	ADJ
fsr-3470	488	55	alternative	alternative	ADJ
fsr-3470	488	56	discernment	discernment	NOUN
fsr-3470	488	57	features	feature	NOUN
fsr-3470	488	58	present	present	ADJ
fsr-3470	488	59	themselves	themselves	PRON
fsr-3470	488	60	.	.	PUNCT
fsr-3470	489	1	we	we	PRON
fsr-3470	489	2	leave	leave	VERB
fsr-3470	489	3	interpretation	interpretation	NOUN
fsr-3470	489	4	to	to	ADP
fsr-3470	489	5	additional	additional	ADJ
fsr-3470	489	6	research	research	NOUN
fsr-3470	489	7	.	.	PUNCT
fsr-3470	490	1	16	16	NUM
fsr-3470	490	2	“	"	PUNCT
fsr-3470	490	3	do	do	AUX
fsr-3470	490	4	n’t	not	PART
fsr-3470	490	5	know	know	VERB
fsr-3470	490	6	”	"	PUNCT
fsr-3470	490	7	responses	response	NOUN
fsr-3470	490	8	are	be	AUX
fsr-3470	490	9	treated	treat	VERB
fsr-3470	490	10	as	as	ADP
fsr-3470	490	11	incorrect	incorrect	ADJ
fsr-3470	490	12	responses	response	NOUN
fsr-3470	490	13	.	.	PUNCT
fsr-3470	491	1	we	we	PRON
fsr-3470	491	2	used	use	VERB
fsr-3470	491	3	the	the	DET
fsr-3470	491	4	oblimin	oblimin	NOUN
fsr-3470	491	5	rotation	rotation	NOUN
fsr-3470	491	6	(	(	PUNCT
fsr-3470	491	7	see	see	VERB
fsr-3470	491	8	clarkson	clarkson	PROPN
fsr-3470	491	9	&	&	CCONJ
fsr-3470	491	10	jennrich	jennrich	PROPN
fsr-3470	491	11	,	,	PUNCT
fsr-3470	491	12	1988	1988	NUM
fsr-3470	491	13	)	)	PUNCT
fsr-3470	491	14	.	.	PUNCT
fsr-3470	492	1	correlation	correlation	NOUN
fsr-3470	492	2	between	between	ADP
fsr-3470	492	3	the	the	DET
fsr-3470	492	4	two	two	NUM
fsr-3470	492	5	factors	factor	NOUN
fsr-3470	492	6	was	be	AUX
fsr-3470	492	7	�	�	NOUN
fsr-3470	492	8	0.55	0.55	NUM
fsr-3470	492	9	.	.	PUNCT
fsr-3470	493	1	17	17	NUM
fsr-3470	493	2	see	see	VERB
fsr-3470	493	3	also	also	ADV
fsr-3470	493	4	joint	joint	ADJ
fsr-3470	493	5	research	research	NOUN
fsr-3470	493	6	centre	centre	ADJ
fsr-3470	493	7	-	-	PUNCT
fsr-3470	493	8	european	european	ADJ
fsr-3470	493	9	commission	commission	PROPN
fsr-3470	493	10	(	(	PUNCT
fsr-3470	493	11	2008	2008	NUM
fsr-3470	493	12	)	)	PUNCT
fsr-3470	493	13	and	and	CCONJ
fsr-3470	493	14	consumer	consumer	NOUN
fsr-3470	493	15	financial	financial	PROPN
fsr-3470	493	16	protection	protection	PROPN
fsr-3470	493	17	bureau	bureau	PROPN
fsr-3470	493	18	(	(	PUNCT
fsr-3470	493	19	2017	2017	NUM
fsr-3470	493	20	)	)	PUNCT
fsr-3470	493	21	.	.	PUNCT
fsr-3470	494	1	b.	b.	PROPN
fsr-3470	494	2	scholl	scholl	PROPN
fsr-3470	494	3	and	and	CCONJ
fsr-3470	494	4	a.	a.	NOUN
fsr-3470	494	5	fontes	fontes	PROPN
fsr-3470	494	6	/	/	SYM
fsr-3470	494	7	financial	financial	ADJ
fsr-3470	494	8	services	service	NOUN
fsr-3470	494	9	review	review	VERB
fsr-3470	494	10	30	30	NUM
fsr-3470	494	11	(	(	PUNCT
fsr-3470	494	12	2022	2022	NUM
fsr-3470	494	13	)	)	PUNCT
fsr-3470	495	1	31–56	31–56	NUM
fsr-3470	495	2	53	53	NUM
fsr-3470	495	3	18	18	NUM
fsr-3470	495	4	lpm	lpm	NOUN
fsr-3470	495	5	estimates	estimate	NOUN
fsr-3470	495	6	provided	provide	VERB
fsr-3470	495	7	for	for	ADP
fsr-3470	495	8	convenience	convenience	NOUN
fsr-3470	495	9	.	.	PUNCT
fsr-3470	496	1	we	we	PRON
fsr-3470	496	2	also	also	ADV
fsr-3470	496	3	estimated	estimate	VERB
fsr-3470	496	4	models	model	NOUN
fsr-3470	496	5	using	use	VERB
fsr-3470	496	6	logistic	logistic	ADJ
fsr-3470	496	7	regression	regression	NOUN
fsr-3470	496	8	(	(	PUNCT
fsr-3470	496	9	not	not	PART
fsr-3470	496	10	reported	report	VERB
fsr-3470	496	11	)	)	PUNCT
fsr-3470	496	12	;	;	PUNCT
fsr-3470	496	13	these	these	PRON
fsr-3470	496	14	were	be	AUX
fsr-3470	496	15	nearly	nearly	ADV
fsr-3470	496	16	identical	identical	ADJ
fsr-3470	496	17	when	when	SCONJ
fsr-3470	496	18	marginal	marginal	ADJ
fsr-3470	496	19	probabilities	probability	NOUN
fsr-3470	496	20	were	be	AUX
fsr-3470	496	21	calculated	calculate	VERB
fsr-3470	496	22	.	.	PUNCT
fsr-3470	497	1	19	19	NUM
fsr-3470	497	2	additional	additional	ADJ
fsr-3470	497	3	specifications	specification	NOUN
fsr-3470	497	4	on	on	ADP
fsr-3470	497	5	the	the	DET
fsr-3470	497	6	fee	fee	NOUN
fsr-3470	497	7	calculation	calculation	NOUN
fsr-3470	497	8	question	question	NOUN
fsr-3470	497	9	(	(	PUNCT
fsr-3470	497	10	not	not	PART
fsr-3470	497	11	presented	present	VERB
fsr-3470	497	12	)	)	PUNCT
fsr-3470	497	13	controlled	control	VERB
fsr-3470	497	14	for	for	ADP
fsr-3470	497	15	numeracy	numeracy	NOUN
fsr-3470	497	16	and	and	CCONJ
fsr-3470	497	17	survey	survey	NOUN
fsr-3470	497	18	design	design	NOUN
fsr-3470	497	19	effects	effect	NOUN
fsr-3470	497	20	,	,	PUNCT
fsr-3470	497	21	but	but	CCONJ
fsr-3470	497	22	were	be	AUX
fsr-3470	497	23	virtually	virtually	ADV
fsr-3470	497	24	identical	identical	ADJ
fsr-3470	497	25	to	to	ADP
fsr-3470	497	26	those	those	PRON
fsr-3470	497	27	reported	report	VERB
fsr-3470	497	28	.	.	PUNCT
fsr-3470	498	1	we	we	PRON
fsr-3470	498	2	preferred	prefer	VERB
fsr-3470	498	3	to	to	PART
fsr-3470	498	4	keep	keep	VERB
fsr-3470	498	5	specifications	specification	NOUN
fsr-3470	498	6	largely	largely	ADV
fsr-3470	498	7	consistent	consistent	ADJ
fsr-3470	498	8	across	across	ADP
fsr-3470	498	9	our	our	PRON
fsr-3470	498	10	three	three	NUM
fsr-3470	498	11	outcome	outcome	NOUN
fsr-3470	498	12	variables	variable	NOUN
fsr-3470	498	13	.	.	PUNCT
fsr-3470	499	1	references	reference	NOUN
fsr-3470	499	2	agnew	agnew	PROPN
fsr-3470	499	3	,	,	PUNCT
fsr-3470	499	4	j.	j.	PROPN
fsr-3470	499	5	r.	r.	PROPN
fsr-3470	499	6	,	,	PUNCT
fsr-3470	499	7	&	&	CCONJ
fsr-3470	499	8	szykman	szykman	PROPN
fsr-3470	499	9	,	,	PUNCT
fsr-3470	499	10	l.	l.	PROPN
fsr-3470	499	11	r.	r.	PROPN
fsr-3470	499	12	(	(	PUNCT
fsr-3470	499	13	2005	2005	NUM
fsr-3470	499	14	)	)	PUNCT
fsr-3470	499	15	.	.	PUNCT
fsr-3470	500	1	asset	asset	NOUN
fsr-3470	500	2	allocation	allocation	NOUN
fsr-3470	500	3	and	and	CCONJ
fsr-3470	500	4	information	information	NOUN
fsr-3470	500	5	overload	overload	NOUN
fsr-3470	500	6	:	:	PUNCT
fsr-3470	500	7	the	the	DET
fsr-3470	500	8	influence	influence	NOUN
fsr-3470	500	9	of	of	ADP
fsr-3470	500	10	information	information	NOUN
fsr-3470	500	11	display	display	NOUN
fsr-3470	500	12	,	,	PUNCT
fsr-3470	500	13	asset	asset	NOUN
fsr-3470	500	14	choice	choice	NOUN
fsr-3470	500	15	,	,	PUNCT
fsr-3470	500	16	and	and	CCONJ
fsr-3470	500	17	investor	investor	NOUN
fsr-3470	500	18	experience	experience	NOUN
fsr-3470	500	19	.	.	PUNCT
fsr-3470	501	1	journal	journal	NOUN
fsr-3470	501	2	of	of	ADP
fsr-3470	501	3	behavioral	behavioral	ADJ
fsr-3470	501	4	finance	finance	NOUN
fsr-3470	501	5	,	,	PUNCT
fsr-3470	501	6	6(2	6(2	NUM
fsr-3470	501	7	)	)	PUNCT
fsr-3470	501	8	,	,	PUNCT
fsr-3470	501	9	57–70	57–70	NUM
fsr-3470	501	10	.	.	PUNCT
fsr-3470	502	1	alexander	alexander	PROPN
fsr-3470	502	2	,	,	PUNCT
fsr-3470	502	3	g.	g.	PROPN
fsr-3470	502	4	j.	j.	PROPN
fsr-3470	502	5	,	,	PUNCT
fsr-3470	502	6	jones	jones	PROPN
fsr-3470	502	7	,	,	PUNCT
fsr-3470	502	8	j.	j.	PROPN
fsr-3470	502	9	d.	d.	PROPN
fsr-3470	502	10	,	,	PUNCT
fsr-3470	502	11	&	&	CCONJ
fsr-3470	502	12	nigro	nigro	PROPN
fsr-3470	502	13	,	,	PUNCT
fsr-3470	502	14	p.	p.	NOUN
fsr-3470	502	15	j.	j.	PROPN
fsr-3470	503	1	(	(	PUNCT
fsr-3470	503	2	1998	1998	NUM
fsr-3470	503	3	)	)	PUNCT
fsr-3470	503	4	.	.	PUNCT
fsr-3470	504	1	mutual	mutual	ADJ
fsr-3470	504	2	fund	fund	NOUN
fsr-3470	504	3	shareholders	shareholder	NOUN
fsr-3470	504	4	:	:	PUNCT
fsr-3470	504	5	characteristics	characteristic	NOUN
fsr-3470	504	6	,	,	PUNCT
fsr-3470	504	7	investor	investor	NOUN
fsr-3470	504	8	knowledge	knowledge	NOUN
fsr-3470	504	9	,	,	PUNCT
fsr-3470	504	10	and	and	CCONJ
fsr-3470	504	11	sources	source	NOUN
fsr-3470	504	12	of	of	ADP
fsr-3470	504	13	information	information	NOUN
fsr-3470	504	14	.	.	PUNCT
fsr-3470	505	1	financial	financial	ADJ
fsr-3470	505	2	services	service	NOUN
fsr-3470	505	3	review	review	PROPN
fsr-3470	505	4	,	,	PUNCT
fsr-3470	505	5	7	7	NUM
fsr-3470	505	6	,	,	PUNCT
fsr-3470	505	7	301–316	301–316	NUM
fsr-3470	505	8	.	.	PUNCT
fsr-3470	506	1	barber	barber	PROPN
fsr-3470	506	2	,	,	PUNCT
fsr-3470	506	3	b.	b.	PROPN
fsr-3470	506	4	m.	m.	PROPN
fsr-3470	506	5	,	,	PUNCT
fsr-3470	506	6	odean	odean	ADJ
fsr-3470	506	7	,	,	PUNCT
fsr-3470	506	8	t.	t.	PROPN
fsr-3470	506	9	,	,	PUNCT
fsr-3470	506	10	&	&	CCONJ
fsr-3470	506	11	zheng	zheng	PROPN
fsr-3470	506	12	,	,	PUNCT
fsr-3470	506	13	l.	l.	PROPN
fsr-3470	506	14	(	(	PUNCT
fsr-3470	506	15	2005	2005	NUM
fsr-3470	506	16	)	)	PUNCT
fsr-3470	506	17	.	.	PUNCT
fsr-3470	507	1	out	out	ADP
fsr-3470	507	2	of	of	ADP
fsr-3470	507	3	sight	sight	NOUN
fsr-3470	507	4	,	,	PUNCT
fsr-3470	507	5	out	out	ADP
fsr-3470	507	6	of	of	ADP
fsr-3470	507	7	mind	mind	NOUN
fsr-3470	507	8	:	:	PUNCT
fsr-3470	507	9	the	the	DET
fsr-3470	507	10	effects	effect	NOUN
fsr-3470	507	11	of	of	ADP
fsr-3470	507	12	expenses	expense	NOUN
fsr-3470	507	13	on	on	ADP
fsr-3470	507	14	mutual	mutual	ADJ
fsr-3470	507	15	fund	fund	NOUN
fsr-3470	507	16	flows	flow	NOUN
fsr-3470	507	17	.	.	PUNCT
fsr-3470	508	1	the	the	DET
fsr-3470	508	2	journal	journal	NOUN
fsr-3470	508	3	of	of	ADP
fsr-3470	508	4	business	business	NOUN
fsr-3470	508	5	,	,	PUNCT
fsr-3470	508	6	78	78	NUM
fsr-3470	508	7	,	,	PUNCT
fsr-3470	508	8	2095–2120	2095–2120	NUM
fsr-3470	508	9	.	.	PUNCT
fsr-3470	508	10	beshears	beshear	NOUN
fsr-3470	508	11	,	,	PUNCT
fsr-3470	508	12	j.	j.	PROPN
fsr-3470	508	13	,	,	PUNCT
fsr-3470	508	14	choi	choi	PROPN
fsr-3470	508	15	,	,	PUNCT
fsr-3470	508	16	j.	j.	PROPN
fsr-3470	508	17	j.	j.	PROPN
fsr-3470	508	18	,	,	PUNCT
fsr-3470	508	19	laibson	laibson	PROPN
fsr-3470	508	20	,	,	PUNCT
fsr-3470	508	21	d.	d.	PROPN
fsr-3470	508	22	,	,	PUNCT
fsr-3470	508	23	&	&	CCONJ
fsr-3470	508	24	madrian	madrian	PROPN
fsr-3470	508	25	,	,	PUNCT
fsr-3470	508	26	b.	b.	PROPN
fsr-3470	508	27	c.	c.	PROPN
fsr-3470	508	28	(	(	PUNCT
fsr-3470	508	29	2018	2018	NUM
fsr-3470	508	30	)	)	PUNCT
fsr-3470	508	31	.	.	PUNCT
fsr-3470	509	1	behavioral	behavioral	ADJ
fsr-3470	509	2	household	household	NOUN
fsr-3470	509	3	finance	finance	NOUN
fsr-3470	509	4	.	.	PUNCT
fsr-3470	510	1	in	in	ADP
fsr-3470	510	2	d.	d.	PROPN
fsr-3470	510	3	bernheim	bernheim	PROPN
fsr-3470	510	4	,	,	PUNCT
fsr-3470	510	5	d.	d.	PROPN
fsr-3470	510	6	laibson	laibson	PROPN
fsr-3470	510	7	,	,	PUNCT
fsr-3470	510	8	&	&	CCONJ
fsr-3470	510	9	s.	s.	PROPN
fsr-3470	510	10	dellavigna	dellavigna	PROPN
fsr-3470	510	11	(	(	PUNCT
fsr-3470	510	12	eds	ed	NOUN
fsr-3470	510	13	.	.	PUNCT
fsr-3470	510	14	)	)	PUNCT
fsr-3470	510	15	,	,	PUNCT
fsr-3470	510	16	handbook	handbook	NOUN
fsr-3470	510	17	of	of	ADP
fsr-3470	510	18	behavioral	behavioral	ADJ
fsr-3470	510	19	economics	economic	NOUN
fsr-3470	510	20	:	:	PUNCT
fsr-3470	510	21	applications	application	NOUN
fsr-3470	510	22	and	and	CCONJ
fsr-3470	510	23	foundations	foundation	NOUN
fsr-3470	510	24	1	1	NUM
fsr-3470	510	25	(	(	PUNCT
fsr-3470	510	26	vol	vol	NOUN
fsr-3470	510	27	.	.	NOUN
fsr-3470	510	28	1	1	NUM
fsr-3470	510	29	,	,	PUNCT
fsr-3470	510	30	pp	pp	ADJ
fsr-3470	510	31	.	.	PUNCT
fsr-3470	511	1	177–276	177–276	NUM
fsr-3470	511	2	)	)	PUNCT
fsr-3470	511	3	.	.	PUNCT
fsr-3470	512	1	amsterdam	amsterdam	PROPN
fsr-3470	512	2	:	:	PUNCT
fsr-3470	512	3	elsevier	elsevier	PROPN
fsr-3470	512	4	.	.	PUNCT
fsr-3470	512	5	beshears	beshear	NOUN
fsr-3470	512	6	,	,	PUNCT
fsr-3470	512	7	j.	j.	PROPN
fsr-3470	512	8	,	,	PUNCT
fsr-3470	512	9	choi	choi	PROPN
fsr-3470	512	10	,	,	PUNCT
fsr-3470	512	11	j.	j.	PROPN
fsr-3470	512	12	j.	j.	PROPN
fsr-3470	512	13	,	,	PUNCT
fsr-3470	512	14	laibson	laibson	PROPN
fsr-3470	512	15	,	,	PUNCT
fsr-3470	512	16	d.	d.	PROPN
fsr-3470	512	17	,	,	PUNCT
fsr-3470	512	18	&	&	CCONJ
fsr-3470	512	19	madrian	madrian	PROPN
fsr-3470	512	20	,	,	PUNCT
fsr-3470	512	21	b.	b.	PROPN
fsr-3470	512	22	c.	c.	PROPN
fsr-3470	512	23	(	(	PUNCT
fsr-3470	512	24	2011	2011	NUM
fsr-3470	512	25	)	)	PUNCT
fsr-3470	512	26	.	.	PUNCT
fsr-3470	513	1	how	how	SCONJ
fsr-3470	513	2	does	do	AUX
fsr-3470	513	3	simplified	simplify	VERB
fsr-3470	513	4	disclosure	disclosure	NOUN
fsr-3470	513	5	affect	affect	VERB
fsr-3470	513	6	individuals	individual	NOUN
fsr-3470	513	7	’	'	PUNCT
fsr-3470	513	8	mutual	mutual	ADJ
fsr-3470	513	9	fund	fund	NOUN
fsr-3470	513	10	choices	choice	NOUN
fsr-3470	513	11	?	?	PUNCT
fsr-3470	514	1	in	in	ADP
fsr-3470	514	2	d.	d.	PROPN
fsr-3470	514	3	a.	a.	PROPN
fsr-3470	514	4	wise	wise	PROPN
fsr-3470	514	5	(	(	PUNCT
fsr-3470	514	6	ed	ed	NOUN
fsr-3470	514	7	.	.	PUNCT
fsr-3470	514	8	)	)	PUNCT
fsr-3470	514	9	,	,	PUNCT
fsr-3470	514	10	explorations	exploration	NOUN
fsr-3470	514	11	in	in	ADP
fsr-3470	514	12	the	the	DET
fsr-3470	514	13	economics	economic	NOUN
fsr-3470	514	14	of	of	ADP
fsr-3470	514	15	aging	age	VERB
fsr-3470	514	16	(	(	PUNCT
fsr-3470	514	17	pp	pp	ADJ
fsr-3470	514	18	.	.	PUNCT
fsr-3470	515	1	75–96	75–96	NUM
fsr-3470	515	2	)	)	PUNCT
fsr-3470	515	3	.	.	PUNCT
fsr-3470	516	1	chicago	chicago	PROPN
fsr-3470	516	2	,	,	PUNCT
fsr-3470	516	3	il	il	PROPN
fsr-3470	516	4	:	:	PUNCT
fsr-3470	516	5	university	university	PROPN
fsr-3470	516	6	of	of	ADP
fsr-3470	516	7	chicago	chicago	PROPN
fsr-3470	516	8	.	.	PUNCT
fsr-3470	517	1	bhattacharya	bhattacharya	PROPN
fsr-3470	517	2	,	,	PUNCT
fsr-3470	517	3	u.	u.	PROPN
fsr-3470	517	4	,	,	PUNCT
fsr-3470	517	5	loos	loos	PROPN
fsr-3470	517	6	,	,	PUNCT
fsr-3470	517	7	b.	b.	PROPN
fsr-3470	517	8	,	,	PUNCT
fsr-3470	517	9	meyer	meyer	PROPN
fsr-3470	517	10	,	,	PUNCT
fsr-3470	517	11	s.	s.	PROPN
fsr-3470	517	12	,	,	PUNCT
fsr-3470	517	13	&	&	CCONJ
fsr-3470	517	14	hackethal	hackethal	PROPN
fsr-3470	517	15	,	,	PUNCT
fsr-3470	517	16	a.	a.	NOUN
fsr-3470	517	17	(	(	PUNCT
fsr-3470	517	18	2017	2017	NUM
fsr-3470	517	19	)	)	PUNCT
fsr-3470	517	20	.	.	PUNCT
fsr-3470	518	1	abusing	abuse	VERB
fsr-3470	518	2	etfs	etfs	PROPN
fsr-3470	518	3	.	.	PUNCT
fsr-3470	519	1	review	review	NOUN
fsr-3470	519	2	of	of	ADP
fsr-3470	519	3	finance	finance	NOUN
fsr-3470	519	4	,	,	PUNCT
fsr-3470	519	5	21	21	NUM
fsr-3470	519	6	,	,	PUNCT
fsr-3470	519	7	1217	1217	NUM
fsr-3470	519	8	–	–	PUNCT
fsr-3470	519	9	1250	1250	NUM
fsr-3470	519	10	.	.	PUNCT
fsr-3470	520	1	brown	brown	PROPN
fsr-3470	520	2	,	,	PUNCT
fsr-3470	520	3	s.	s.	PROPN
fsr-3470	520	4	j.	j.	PROPN
fsr-3470	520	5	,	,	PUNCT
fsr-3470	520	6	&	&	CCONJ
fsr-3470	520	7	goetzmann	goetzmann	PROPN
fsr-3470	520	8	,	,	PUNCT
fsr-3470	520	9	w.	w.	PROPN
fsr-3470	520	10	n.	n.	PROPN
fsr-3470	520	11	(	(	PUNCT
fsr-3470	520	12	1995	1995	NUM
fsr-3470	520	13	)	)	PUNCT
fsr-3470	520	14	.	.	PUNCT
fsr-3470	521	1	performance	performance	NOUN
fsr-3470	521	2	persistence	persistence	NOUN
fsr-3470	521	3	.	.	PUNCT
fsr-3470	522	1	the	the	DET
fsr-3470	522	2	journal	journal	PROPN
fsr-3470	522	3	of	of	ADP
fsr-3470	522	4	finance	finance	NOUN
fsr-3470	522	5	,	,	PUNCT
fsr-3470	522	6	50	50	NUM
fsr-3470	522	7	,	,	PUNCT
fsr-3470	522	8	679–698	679–698	NUM
fsr-3470	522	9	.	.	PUNCT
fsr-3470	523	1	calvet	calvet	PROPN
fsr-3470	523	2	,	,	PUNCT
fsr-3470	523	3	l.	l.	PROPN
fsr-3470	523	4	e.	e.	PROPN
fsr-3470	523	5	,	,	PUNCT
fsr-3470	523	6	campbell	campbell	PROPN
fsr-3470	523	7	,	,	PUNCT
fsr-3470	523	8	j.	j.	PROPN
fsr-3470	523	9	y.	y.	PROPN
fsr-3470	523	10	,	,	PUNCT
fsr-3470	523	11	&	&	CCONJ
fsr-3470	523	12	sodini	sodini	PROPN
fsr-3470	523	13	,	,	PUNCT
fsr-3470	523	14	p.	p.	NOUN
fsr-3470	523	15	(	(	PUNCT
fsr-3470	523	16	2007	2007	NUM
fsr-3470	523	17	)	)	PUNCT
fsr-3470	523	18	.	.	PUNCT
fsr-3470	524	1	down	down	ADV
fsr-3470	524	2	or	or	CCONJ
fsr-3470	524	3	out	out	ADV
fsr-3470	524	4	:	:	PUNCT
fsr-3470	524	5	assessing	assess	VERB
fsr-3470	524	6	the	the	DET
fsr-3470	524	7	welfare	welfare	NOUN
fsr-3470	524	8	costs	cost	NOUN
fsr-3470	524	9	of	of	ADP
fsr-3470	524	10	household	household	NOUN
fsr-3470	524	11	investment	investment	NOUN
fsr-3470	524	12	mistakes	mistake	NOUN
fsr-3470	524	13	.	.	PUNCT
fsr-3470	525	1	journal	journal	NOUN
fsr-3470	525	2	of	of	ADP
fsr-3470	525	3	political	political	ADJ
fsr-3470	525	4	economy	economy	NOUN
fsr-3470	525	5	,	,	PUNCT
fsr-3470	525	6	115	115	NUM
fsr-3470	525	7	,	,	PUNCT
fsr-3470	525	8	707–747	707–747	NUM
fsr-3470	525	9	.	.	PUNCT
fsr-3470	526	1	carhart	carhart	NOUN
fsr-3470	526	2	,	,	PUNCT
fsr-3470	526	3	m.	m.	NOUN
fsr-3470	526	4	m.	m.	NOUN
fsr-3470	526	5	(	(	PUNCT
fsr-3470	526	6	1997	1997	NUM
fsr-3470	526	7	)	)	PUNCT
fsr-3470	526	8	.	.	PUNCT
fsr-3470	527	1	on	on	ADP
fsr-3470	527	2	persistence	persistence	NOUN
fsr-3470	527	3	in	in	ADP
fsr-3470	527	4	mutual	mutual	ADJ
fsr-3470	527	5	fund	fund	NOUN
fsr-3470	527	6	performance	performance	NOUN
fsr-3470	527	7	.	.	PUNCT
fsr-3470	528	1	the	the	DET
fsr-3470	528	2	journal	journal	PROPN
fsr-3470	528	3	of	of	ADP
fsr-3470	528	4	finance	finance	NOUN
fsr-3470	528	5	,	,	PUNCT
fsr-3470	528	6	52	52	NUM
fsr-3470	528	7	,	,	PUNCT
fsr-3470	528	8	57–82	57–82	NUM
fsr-3470	528	9	.	.	PUNCT
fsr-3470	528	10	carvalho	carvalho	PROPN
fsr-3470	528	11	,	,	PUNCT
fsr-3470	528	12	l.	l.	PROPN
fsr-3470	528	13	,	,	PUNCT
fsr-3470	528	14	&	&	CCONJ
fsr-3470	528	15	silverman	silverman	PROPN
fsr-3470	528	16	,	,	PUNCT
fsr-3470	528	17	d.	d.	PROPN
fsr-3470	528	18	(	(	PUNCT
fsr-3470	528	19	2019	2019	NUM
fsr-3470	528	20	)	)	PUNCT
fsr-3470	528	21	.	.	PUNCT
fsr-3470	529	1	complexity	complexity	NOUN
fsr-3470	529	2	and	and	CCONJ
fsr-3470	529	3	sophistication	sophistication	NOUN
fsr-3470	529	4	.	.	PUNCT
fsr-3470	530	1	nber	nber	PROPN
fsr-3470	530	2	working	working	PROPN
fsr-3470	530	3	papers	paper	NOUN
fsr-3470	530	4	26036	26036	NUM
fsr-3470	530	5	.	.	PUNCT
fsr-3470	531	1	cambridge	cambridge	PROPN
fsr-3470	531	2	,	,	PUNCT
fsr-3470	531	3	ma	ma	PROPN
fsr-3470	531	4	:	:	PUNCT
fsr-3470	531	5	national	national	PROPN
fsr-3470	531	6	bureau	bureau	PROPN
fsr-3470	531	7	of	of	ADP
fsr-3470	531	8	economic	economic	ADJ
fsr-3470	531	9	research	research	PROPN
fsr-3470	531	10	,	,	PUNCT
fsr-3470	531	11	inc	inc	PROPN
fsr-3470	531	12	.	.	PROPN
fsr-3470	531	13	chin	chin	PROPN
fsr-3470	531	14	,	,	PUNCT
fsr-3470	531	15	a.	a.	PROPN
fsr-3470	531	16	,	,	PUNCT
fsr-3470	531	17	scholl	scholl	PROPN
fsr-3470	531	18	,	,	PUNCT
fsr-3470	531	19	b.	b.	PROPN
fsr-3470	531	20	,	,	PUNCT
fsr-3470	531	21	&	&	CCONJ
fsr-3470	531	22	vanepps	vanepps	PROPN
fsr-3470	531	23	,	,	PUNCT
fsr-3470	531	24	e.	e.	PROPN
fsr-3470	531	25	(	(	PUNCT
fsr-3470	531	26	2021	2021	NUM
fsr-3470	531	27	)	)	PUNCT
fsr-3470	531	28	.	.	PUNCT
fsr-3470	532	1	jargon	jargon	PROPN
fsr-3470	532	2	in	in	ADP
fsr-3470	532	3	fund	fund	NOUN
fsr-3470	532	4	fee	fee	NOUN
fsr-3470	532	5	disclosures	disclosure	NOUN
fsr-3470	532	6	.	.	PUNCT
fsr-3470	533	1	office	office	NOUN
fsr-3470	533	2	of	of	ADP
fsr-3470	533	3	the	the	DET
fsr-3470	533	4	investor	investor	NOUN
fsr-3470	533	5	advocate	advocate	NOUN
fsr-3470	533	6	working	working	NOUN
fsr-3470	533	7	paper	paper	NOUN
fsr-3470	533	8	,	,	PUNCT
fsr-3470	533	9	2021–2001	2021–2001	NUM
fsr-3470	533	10	.	.	PUNCT
fsr-3470	534	1	washington	washington	PROPN
fsr-3470	534	2	,	,	PUNCT
fsr-3470	534	3	dc	dc	PROPN
fsr-3470	534	4	:	:	PUNCT
fsr-3470	534	5	office	office	NOUN
fsr-3470	534	6	of	of	ADP
fsr-3470	534	7	the	the	DET
fsr-3470	534	8	investor	investor	NOUN
fsr-3470	534	9	advocate	advocate	NOUN
fsr-3470	534	10	.	.	PUNCT
fsr-3470	535	1	choi	choi	NOUN
fsr-3470	535	2	,	,	PUNCT
fsr-3470	535	3	j.	j.	PROPN
fsr-3470	535	4	j.	j.	PROPN
fsr-3470	535	5	,	,	PUNCT
fsr-3470	535	6	laibson	laibson	PROPN
fsr-3470	535	7	,	,	PUNCT
fsr-3470	535	8	d.	d.	PROPN
fsr-3470	535	9	,	,	PUNCT
fsr-3470	535	10	&	&	CCONJ
fsr-3470	535	11	madrian	madrian	PROPN
fsr-3470	535	12	,	,	PUNCT
fsr-3470	535	13	b.	b.	PROPN
fsr-3470	535	14	c.	c.	PROPN
fsr-3470	535	15	(	(	PUNCT
fsr-3470	535	16	2010	2010	NUM
fsr-3470	535	17	)	)	PUNCT
fsr-3470	535	18	.	.	PUNCT
fsr-3470	536	1	why	why	SCONJ
fsr-3470	536	2	does	do	AUX
fsr-3470	536	3	the	the	DET
fsr-3470	536	4	law	law	NOUN
fsr-3470	536	5	of	of	ADP
fsr-3470	536	6	one	one	NUM
fsr-3470	536	7	price	price	NOUN
fsr-3470	536	8	fail	fail	ADJ
fsr-3470	536	9	?	?	PUNCT
fsr-3470	537	1	an	an	DET
fsr-3470	537	2	experiment	experiment	NOUN
fsr-3470	537	3	on	on	ADP
fsr-3470	537	4	index	index	NOUN
fsr-3470	537	5	mutual	mutual	ADJ
fsr-3470	537	6	funds	fund	NOUN
fsr-3470	537	7	.	.	PUNCT
fsr-3470	538	1	the	the	DET
fsr-3470	538	2	review	review	NOUN
fsr-3470	538	3	of	of	ADP
fsr-3470	538	4	financial	financial	ADJ
fsr-3470	538	5	studies	study	NOUN
fsr-3470	538	6	,	,	PUNCT
fsr-3470	538	7	23	23	NUM
fsr-3470	538	8	,	,	PUNCT
fsr-3470	538	9	1405–1432	1405–1432	NUM
fsr-3470	538	10	.	.	PUNCT
fsr-3470	539	1	clarkson	clarkson	PROPN
fsr-3470	539	2	,	,	PUNCT
fsr-3470	539	3	d.	d.	PROPN
fsr-3470	539	4	b.	b.	PROPN
fsr-3470	539	5	,	,	PUNCT
fsr-3470	539	6	&	&	CCONJ
fsr-3470	539	7	jennrich	jennrich	PROPN
fsr-3470	539	8	,	,	PUNCT
fsr-3470	539	9	r.	r.	PROPN
fsr-3470	539	10	i.	i.	PROPN
fsr-3470	539	11	(	(	PUNCT
fsr-3470	539	12	1988	1988	NUM
fsr-3470	539	13	)	)	PUNCT
fsr-3470	539	14	.	.	PUNCT
fsr-3470	540	1	quartic	quartic	ADJ
fsr-3470	540	2	rotation	rotation	NOUN
fsr-3470	540	3	criteria	criterion	NOUN
fsr-3470	540	4	and	and	CCONJ
fsr-3470	540	5	algorithms	algorithm	NOUN
fsr-3470	540	6	.	.	PUNCT
fsr-3470	541	1	psychometrika	psychometrika	NOUN
fsr-3470	541	2	,	,	PUNCT
fsr-3470	541	3	53	53	NUM
fsr-3470	541	4	,	,	PUNCT
fsr-3470	541	5	251–259	251–259	NUM
fsr-3470	541	6	.	.	PUNCT
fsr-3470	542	1	consumer	consumer	NOUN
fsr-3470	542	2	financial	financial	PROPN
fsr-3470	542	3	protection	protection	PROPN
fsr-3470	542	4	bureau	bureau	PROPN
fsr-3470	542	5	(	(	PUNCT
fsr-3470	542	6	cfpb	cfpb	NOUN
fsr-3470	542	7	)	)	PUNCT
fsr-3470	542	8	.	.	PUNCT
fsr-3470	543	1	(	(	PUNCT
fsr-3470	543	2	2017	2017	NUM
fsr-3470	543	3	)	)	PUNCT
fsr-3470	543	4	.	.	PUNCT
fsr-3470	544	1	financial	financial	ADJ
fsr-3470	544	2	well	well	ADV
fsr-3470	544	3	-	-	PUNCT
fsr-3470	544	4	being	being	NOUN
fsr-3470	544	5	scale	scale	NOUN
fsr-3470	544	6	:	:	PUNCT
fsr-3470	544	7	scale	scale	NOUN
fsr-3470	544	8	development	development	PROPN
fsr-3470	544	9	technical	technical	PROPN
fsr-3470	544	10	report	report	NOUN
fsr-3470	544	11	.	.	PUNCT
fsr-3470	545	1	available	available	ADJ
fsr-3470	545	2	at	at	ADP
fsr-3470	545	3	https://files.consumerfinance.gov/f/documents/201705_cfpb_financial-wellbeing-scale-technical-report.pdf	https://files.consumerfinance.gov/f/documents/201705_cfpb_financial-wellbeing-scale-technical-report.pdf	PROPN
fsr-3470	545	4	dehaan	dehaan	PROPN
fsr-3470	545	5	,	,	PUNCT
fsr-3470	545	6	e.	e.	PROPN
fsr-3470	545	7	,	,	PUNCT
fsr-3470	545	8	song	song	NOUN
fsr-3470	545	9	,	,	PUNCT
fsr-3470	545	10	y.	y.	PROPN
fsr-3470	545	11	,	,	PUNCT
fsr-3470	545	12	xie	xie	PROPN
fsr-3470	545	13	,	,	PUNCT
fsr-3470	545	14	c.	c.	PROPN
fsr-3470	545	15	,	,	PUNCT
fsr-3470	545	16	&	&	CCONJ
fsr-3470	545	17	zhu	zhu	PROPN
fsr-3470	545	18	,	,	PUNCT
fsr-3470	545	19	c.	c.	PROPN
fsr-3470	545	20	(	(	PUNCT
fsr-3470	545	21	2021	2021	NUM
fsr-3470	545	22	)	)	PUNCT
fsr-3470	545	23	.	.	PUNCT
fsr-3470	546	1	obfuscation	obfuscation	NOUN
fsr-3470	546	2	in	in	ADP
fsr-3470	546	3	mutual	mutual	ADJ
fsr-3470	546	4	funds	fund	NOUN
fsr-3470	546	5	.	.	PUNCT
fsr-3470	547	1	ssrn	ssrn	PROPN
fsr-3470	547	2	electronic	electronic	ADJ
fsr-3470	547	3	journal	journal	NOUN
fsr-3470	547	4	,	,	PUNCT
fsr-3470	547	5	72(2/3	72(2/3	ADJ
fsr-3470	547	6	)	)	PUNCT
fsr-3470	547	7	,	,	PUNCT
fsr-3470	547	8	2010	2010	NUM
fsr-3470	547	9	.	.	PUNCT
fsr-3470	548	1	davoli	davoli	NOUN
fsr-3470	548	2	,	,	PUNCT
fsr-3470	548	3	m.	m.	NOUN
fsr-3470	548	4	,	,	PUNCT
fsr-3470	548	5	&	&	CCONJ
fsr-3470	548	6	rodrı́guez	rodrı́guez	PROPN
fsr-3470	548	7	-	-	PUNCT
fsr-3470	548	8	planas	planas	PROPN
fsr-3470	548	9	,	,	PUNCT
fsr-3470	548	10	n.	n.	PROPN
fsr-3470	548	11	(	(	PUNCT
fsr-3470	548	12	2020	2020	NUM
fsr-3470	548	13	)	)	PUNCT
fsr-3470	548	14	.	.	PUNCT
fsr-3470	549	1	culture	culture	NOUN
fsr-3470	549	2	and	and	CCONJ
fsr-3470	549	3	adult	adult	NOUN
fsr-3470	549	4	financial	financial	ADJ
fsr-3470	549	5	literacy	literacy	NOUN
fsr-3470	549	6	:	:	PUNCT
fsr-3470	549	7	evidence	evidence	NOUN
fsr-3470	549	8	from	from	ADP
fsr-3470	549	9	the	the	DET
fsr-3470	549	10	united	united	PROPN
fsr-3470	549	11	states	states	PROPN
fsr-3470	549	12	.	.	PUNCT
fsr-3470	550	1	economics	economic	NOUN
fsr-3470	550	2	of	of	ADP
fsr-3470	550	3	education	education	PROPN
fsr-3470	550	4	review	review	NOUN
fsr-3470	550	5	,	,	PUNCT
fsr-3470	550	6	78	78	NUM
fsr-3470	550	7	,	,	PUNCT
fsr-3470	550	8	102013	102013	NUM
fsr-3470	550	9	.	.	PUNCT
fsr-3470	551	1	devellis	devellis	PROPN
fsr-3470	551	2	,	,	PUNCT
fsr-3470	551	3	r.	r.	PROPN
fsr-3470	551	4	f.	f.	PROPN
fsr-3470	551	5	(	(	PUNCT
fsr-3470	551	6	2016	2016	NUM
fsr-3470	551	7	)	)	PUNCT
fsr-3470	551	8	.	.	PUNCT
fsr-3470	552	1	scale	scale	NOUN
fsr-3470	552	2	development	development	NOUN
fsr-3470	552	3	:	:	PUNCT
fsr-3470	552	4	theory	theory	NOUN
fsr-3470	552	5	and	and	CCONJ
fsr-3470	552	6	applications	application	NOUN
fsr-3470	552	7	(	(	PUNCT
fsr-3470	552	8	vol	vol	NOUN
fsr-3470	552	9	.	.	PROPN
fsr-3470	552	10	26	26	NUM
fsr-3470	552	11	)	)	PUNCT
fsr-3470	552	12	.	.	PUNCT
fsr-3470	553	1	thousand	thousand	NUM
fsr-3470	553	2	oaks	oak	NOUN
fsr-3470	553	3	,	,	PUNCT
fsr-3470	553	4	ca	can	AUX
fsr-3470	553	5	:	:	PUNCT
fsr-3470	553	6	sage	sage	NOUN
fsr-3470	553	7	publications	publication	NOUN
fsr-3470	553	8	.	.	PUNCT
fsr-3470	554	1	elan	elan	PROPN
fsr-3470	554	2	,	,	PUNCT
fsr-3470	554	3	s.	s.	PROPN
fsr-3470	554	4	(	(	PUNCT
fsr-3470	554	5	2011	2011	NUM
fsr-3470	554	6	)	)	PUNCT
fsr-3470	554	7	.	.	PUNCT
fsr-3470	555	1	financial	financial	ADJ
fsr-3470	555	2	literacy	literacy	NOUN
fsr-3470	555	3	among	among	ADP
fsr-3470	555	4	retail	retail	ADJ
fsr-3470	555	5	investors	investor	NOUN
fsr-3470	555	6	in	in	ADP
fsr-3470	555	7	the	the	DET
fsr-3470	555	8	united	united	PROPN
fsr-3470	555	9	states	states	PROPN
fsr-3470	555	10	.	.	PUNCT
fsr-3470	556	1	washington	washington	PROPN
fsr-3470	556	2	,	,	PUNCT
fsr-3470	556	3	dc	dc	PROPN
fsr-3470	556	4	:	:	PUNCT
fsr-3470	556	5	library	library	NOUN
fsr-3470	556	6	of	of	ADP
fsr-3470	556	7	congress	congress	PROPN
fsr-3470	556	8	federal	federal	PROPN
fsr-3470	556	9	research	research	PROPN
fsr-3470	556	10	division	division	NOUN
fsr-3470	556	11	.	.	PUNCT
fsr-3470	557	1	elton	elton	PROPN
fsr-3470	557	2	,	,	PUNCT
fsr-3470	557	3	e.	e.	PROPN
fsr-3470	557	4	j.	j.	PROPN
fsr-3470	557	5	,	,	PUNCT
fsr-3470	557	6	&	&	CCONJ
fsr-3470	557	7	gruber	gruber	PROPN
fsr-3470	557	8	,	,	PUNCT
fsr-3470	557	9	m.	m.	NOUN
fsr-3470	557	10	j.	j.	PROPN
fsr-3470	557	11	(	(	PUNCT
fsr-3470	557	12	2013	2013	NUM
fsr-3470	557	13	)	)	PUNCT
fsr-3470	557	14	.	.	PUNCT
fsr-3470	558	1	mutual	mutual	ADJ
fsr-3470	558	2	funds	fund	NOUN
fsr-3470	558	3	.	.	PUNCT
fsr-3470	559	1	in	in	ADP
fsr-3470	559	2	g.	g.	PROPN
fsr-3470	559	3	m.	m.	PROPN
fsr-3470	559	4	constantinides	constantinide	VERB
fsr-3470	559	5	,	,	PUNCT
fsr-3470	559	6	m.	m.	PROPN
fsr-3470	559	7	harris	harris	PROPN
fsr-3470	559	8	,	,	PUNCT
fsr-3470	559	9	&	&	CCONJ
fsr-3470	560	1	r.	r.	PROPN
fsr-3470	560	2	m.	m.	PROPN
fsr-3470	560	3	stulz	stulz	PROPN
fsr-3470	560	4	(	(	PUNCT
fsr-3470	560	5	ed	ed	NOUN
fsr-3470	560	6	.	.	PUNCT
fsr-3470	560	7	)	)	PUNCT
fsr-3470	560	8	,	,	PUNCT
fsr-3470	560	9	handbook	handbook	NOUN
fsr-3470	560	10	of	of	ADP
fsr-3470	560	11	the	the	DET
fsr-3470	560	12	economics	economic	NOUN
fsr-3470	560	13	of	of	ADP
fsr-3470	560	14	finance	finance	NOUN
fsr-3470	560	15	(	(	PUNCT
fsr-3470	560	16	vol	vol	NOUN
fsr-3470	560	17	.	.	PROPN
fsr-3470	560	18	2	2	NUM
fsr-3470	560	19	,	,	PUNCT
fsr-3470	560	20	pp	pp	ADJ
fsr-3470	560	21	.	.	PUNCT
fsr-3470	560	22	1011–1061	1011–1061	NUM
fsr-3470	560	23	)	)	PUNCT
fsr-3470	560	24	.	.	PUNCT
fsr-3470	561	1	amsterdam	amsterdam	PROPN
fsr-3470	561	2	:	:	PUNCT
fsr-3470	561	3	elsevier	elsevier	NOUN
fsr-3470	561	4	.	.	PUNCT
fsr-3470	562	1	54	54	NUM
fsr-3470	562	2	b.	b.	PROPN
fsr-3470	562	3	scholl	scholl	PROPN
fsr-3470	562	4	and	and	CCONJ
fsr-3470	562	5	a.	a.	NOUN
fsr-3470	562	6	fontes	fontes	PROPN
fsr-3470	562	7	/	/	SYM
fsr-3470	562	8	financial	financial	ADJ
fsr-3470	562	9	services	service	NOUN
fsr-3470	562	10	review	review	VERB
fsr-3470	562	11	30	30	NUM
fsr-3470	562	12	(	(	PUNCT
fsr-3470	562	13	2022	2022	NUM
fsr-3470	562	14	)	)	PUNCT
fsr-3470	562	15	31–56	31–56	NUM
fsr-3470	562	16	elton	elton	PROPN
fsr-3470	562	17	,	,	PUNCT
fsr-3470	562	18	e.	e.	PROPN
fsr-3470	562	19	j.	j.	PROPN
fsr-3470	562	20	,	,	PUNCT
fsr-3470	562	21	gruber	gruber	PROPN
fsr-3470	562	22	,	,	PUNCT
fsr-3470	562	23	m.	m.	NOUN
fsr-3470	562	24	j.	j.	PROPN
fsr-3470	562	25	,	,	PUNCT
fsr-3470	562	26	&	&	CCONJ
fsr-3470	562	27	busse	busse	PROPN
fsr-3470	562	28	,	,	PUNCT
fsr-3470	562	29	j.	j.	PROPN
fsr-3470	562	30	a.	a.	PROPN
fsr-3470	562	31	(	(	PUNCT
fsr-3470	562	32	2011	2011	NUM
fsr-3470	562	33	)	)	PUNCT
fsr-3470	562	34	.	.	PUNCT
fsr-3470	563	1	are	be	AUX
fsr-3470	563	2	investors	investor	NOUN
fsr-3470	563	3	rational	rational	ADJ
fsr-3470	563	4	?	?	PUNCT
fsr-3470	564	1	choices	choice	NOUN
fsr-3470	564	2	among	among	ADP
fsr-3470	564	3	index	index	NOUN
fsr-3470	564	4	funds	fund	NOUN
fsr-3470	564	5	.	.	PUNCT
fsr-3470	565	1	the	the	DET
fsr-3470	565	2	journal	journal	PROPN
fsr-3470	565	3	of	of	ADP
fsr-3470	565	4	finance	finance	NOUN
fsr-3470	565	5	,	,	PUNCT
fsr-3470	565	6	59	59	NUM
fsr-3470	565	7	,	,	PUNCT
fsr-3470	565	8	261–288	261–288	NUM
fsr-3470	565	9	.	.	PUNCT
fsr-3470	565	10	elton	elton	PROPN
fsr-3470	565	11	,	,	PUNCT
fsr-3470	565	12	e.	e.	PROPN
fsr-3470	565	13	j.	j.	PROPN
fsr-3470	565	14	,	,	PUNCT
fsr-3470	565	15	gruber	gruber	PROPN
fsr-3470	565	16	,	,	PUNCT
fsr-3470	565	17	m.	m.	PROPN
fsr-3470	565	18	j.	j.	PROPN
fsr-3470	565	19	,	,	PUNCT
fsr-3470	565	20	das	das	PROPN
fsr-3470	565	21	,	,	PUNCT
fsr-3470	565	22	s.	s.	PROPN
fsr-3470	565	23	,	,	PUNCT
fsr-3470	565	24	&	&	CCONJ
fsr-3470	565	25	hlavka	hlavka	PROPN
fsr-3470	565	26	,	,	PUNCT
fsr-3470	565	27	m.	m.	NOUN
fsr-3470	565	28	(	(	PUNCT
fsr-3470	565	29	1993	1993	NUM
fsr-3470	565	30	)	)	PUNCT
fsr-3470	565	31	.	.	PUNCT
fsr-3470	566	1	efficiency	efficiency	NOUN
fsr-3470	566	2	with	with	ADP
fsr-3470	566	3	costly	costly	ADJ
fsr-3470	566	4	information	information	NOUN
fsr-3470	566	5	:	:	PUNCT
fsr-3470	566	6	a	a	DET
fsr-3470	566	7	reinterpretation	reinterpretation	NOUN
fsr-3470	566	8	of	of	ADP
fsr-3470	566	9	evidence	evidence	NOUN
fsr-3470	566	10	from	from	ADP
fsr-3470	566	11	managed	manage	VERB
fsr-3470	566	12	portfolios	portfolio	NOUN
fsr-3470	566	13	.	.	PUNCT
fsr-3470	567	1	review	review	NOUN
fsr-3470	567	2	of	of	ADP
fsr-3470	567	3	financial	financial	ADJ
fsr-3470	567	4	studies	study	NOUN
fsr-3470	567	5	,	,	PUNCT
fsr-3470	567	6	6	6	NUM
fsr-3470	567	7	,	,	PUNCT
fsr-3470	567	8	1–22	1–22	PROPN
fsr-3470	567	9	.	.	PUNCT
fsr-3470	568	1	fernandes	fernandes	PROPN
fsr-3470	568	2	,	,	PUNCT
fsr-3470	568	3	d.	d.	PROPN
fsr-3470	568	4	,	,	PUNCT
fsr-3470	568	5	lynch	lynch	PROPN
fsr-3470	568	6	,	,	PUNCT
fsr-3470	568	7	j.	j.	PROPN
fsr-3470	568	8	g.	g.	PROPN
fsr-3470	568	9	,	,	PUNCT
fsr-3470	568	10	jr	jr	PROPN
fsr-3470	568	11	.	.	PROPN
fsr-3470	568	12	,	,	PUNCT
fsr-3470	568	13	,	,	PUNCT
fsr-3470	568	14	&	&	CCONJ
fsr-3470	568	15	netemeyer	netemeyer	PROPN
fsr-3470	568	16	,	,	PUNCT
fsr-3470	568	17	r.	r.	PROPN
fsr-3470	568	18	g.	g.	PROPN
fsr-3470	568	19	(	(	PUNCT
fsr-3470	568	20	2014	2014	NUM
fsr-3470	568	21	)	)	PUNCT
fsr-3470	568	22	.	.	PUNCT
fsr-3470	569	1	financial	financial	ADJ
fsr-3470	569	2	literacy	literacy	NOUN
fsr-3470	569	3	,	,	PUNCT
fsr-3470	569	4	financial	financial	ADJ
fsr-3470	569	5	education	education	NOUN
fsr-3470	569	6	,	,	PUNCT
fsr-3470	569	7	and	and	CCONJ
fsr-3470	569	8	downstream	downstream	ADJ
fsr-3470	569	9	financial	financial	ADJ
fsr-3470	569	10	behaviors.management	behaviors.management	NOUN
fsr-3470	569	11	science	science	NOUN
fsr-3470	569	12	,	,	PUNCT
fsr-3470	569	13	60	60	NUM
fsr-3470	569	14	,	,	PUNCT
fsr-3470	569	15	1861–1883	1861–1883	NUM
fsr-3470	569	16	.	.	PUNCT
fsr-3470	570	1	fontes	fontes	PROPN
fsr-3470	570	2	,	,	PUNCT
fsr-3470	570	3	a.	a.	PROPN
fsr-3470	570	4	,	,	PUNCT
fsr-3470	570	5	jain	jain	PROPN
fsr-3470	570	6	,	,	PUNCT
fsr-3470	570	7	a.	a.	PROPN
fsr-3470	570	8	,	,	PUNCT
fsr-3470	570	9	zhu	zhu	PROPN
fsr-3470	570	10	,	,	PUNCT
fsr-3470	570	11	m.	m.	NOUN
fsr-3470	570	12	,	,	PUNCT
fsr-3470	570	13	&	&	CCONJ
fsr-3470	570	14	dwan	dwan	PROPN
fsr-3470	570	15	,	,	PUNCT
fsr-3470	570	16	k.	k.	PROPN
fsr-3470	570	17	(	(	PUNCT
fsr-3470	570	18	2019	2019	NUM
fsr-3470	570	19	)	)	PUNCT
fsr-3470	570	20	.	.	PUNCT
fsr-3470	571	1	collecting	collect	VERB
fsr-3470	571	2	household	household	NOUN
fsr-3470	571	3	financial	financial	ADJ
fsr-3470	571	4	data	datum	NOUN
fsr-3470	571	5	online	online	ADV
fsr-3470	571	6	:	:	PUNCT
fsr-3470	571	7	a	a	DET
fsr-3470	571	8	comparison	comparison	NOUN
fsr-3470	571	9	of	of	ADP
fsr-3470	571	10	the	the	DET
fsr-3470	571	11	financial	financial	ADJ
fsr-3470	571	12	well	well	NOUN
fsr-3470	571	13	-	-	PUNCT
fsr-3470	571	14	being	being	NOUN
fsr-3470	571	15	and	and	CCONJ
fsr-3470	571	16	literacy	literacy	NOUN
fsr-3470	571	17	survey	survey	NOUN
fsr-3470	571	18	with	with	ADP
fsr-3470	571	19	federal	federal	ADJ
fsr-3470	571	20	benchmarks	benchmark	NOUN
fsr-3470	571	21	.	.	PUNCT
fsr-3470	572	1	presented	present	VERB
fsr-3470	572	2	at	at	ADP
fsr-3470	572	3	the	the	DET
fsr-3470	572	4	cipher	cipher	ADJ
fsr-3470	572	5	conference	conference	NOUN
fsr-3470	572	6	.	.	PUNCT
fsr-3470	573	1	washington	washington	PROPN
fsr-3470	573	2	,	,	PUNCT
fsr-3470	573	3	dc	dc	PROPN
fsr-3470	573	4	.	.	PROPN
fsr-3470	573	5	forbes	forbes	PROPN
fsr-3470	573	6	,	,	PUNCT
fsr-3470	573	7	j.	j.	PROPN
fsr-3470	573	8	,	,	PUNCT
fsr-3470	573	9	&	&	CCONJ
fsr-3470	573	10	kara	kara	PROPN
fsr-3470	573	11	,	,	PUNCT
fsr-3470	573	12	s.	s.	PROPN
fsr-3470	573	13	m.	m.	PROPN
fsr-3470	573	14	(	(	PUNCT
fsr-3470	573	15	2010	2010	NUM
fsr-3470	573	16	)	)	PUNCT
fsr-3470	573	17	.	.	PUNCT
fsr-3470	574	1	confidence	confidence	NOUN
fsr-3470	574	2	mediates	mediate	VERB
fsr-3470	574	3	how	how	SCONJ
fsr-3470	574	4	investment	investment	NOUN
fsr-3470	574	5	knowledge	knowledge	NOUN
fsr-3470	574	6	influences	influence	VERB
fsr-3470	574	7	investing	invest	VERB
fsr-3470	574	8	self	self	NOUN
fsr-3470	574	9	-	-	PUNCT
fsr-3470	574	10	efficacy	efficacy	NOUN
fsr-3470	574	11	.	.	PUNCT
fsr-3470	575	1	journal	journal	NOUN
fsr-3470	575	2	of	of	ADP
fsr-3470	575	3	economic	economic	ADJ
fsr-3470	575	4	psychology	psychology	NOUN
fsr-3470	575	5	,	,	PUNCT
fsr-3470	575	6	31	31	NUM
fsr-3470	575	7	,	,	PUNCT
fsr-3470	575	8	435–443	435–443	NUM
fsr-3470	575	9	.	.	PUNCT
fsr-3470	576	1	goetzmann	goetzmann	PROPN
fsr-3470	576	2	,	,	PUNCT
fsr-3470	576	3	w.	w.	PROPN
fsr-3470	576	4	n.	n.	PROPN
fsr-3470	576	5	,	,	PUNCT
fsr-3470	576	6	&	&	CCONJ
fsr-3470	576	7	ibbotson	ibbotson	PROPN
fsr-3470	576	8	,	,	PUNCT
fsr-3470	576	9	r.	r.	PROPN
fsr-3470	576	10	g.	g.	PROPN
fsr-3470	576	11	(	(	PUNCT
fsr-3470	576	12	1994	1994	NUM
fsr-3470	576	13	)	)	PUNCT
fsr-3470	576	14	.	.	PUNCT
fsr-3470	577	1	do	do	AUX
fsr-3470	577	2	winners	winner	NOUN
fsr-3470	577	3	repeat	repeat	VERB
fsr-3470	577	4	?	?	PUNCT
fsr-3470	578	1	the	the	DET
fsr-3470	578	2	journal	journal	PROPN
fsr-3470	578	3	of	of	ADP
fsr-3470	578	4	portfolio	portfolio	NOUN
fsr-3470	578	5	management	management	NOUN
fsr-3470	578	6	,	,	PUNCT
fsr-3470	578	7	20	20	NUM
fsr-3470	578	8	,	,	PUNCT
fsr-3470	578	9	9–18	9–18	NOUN
fsr-3470	578	10	.	.	PUNCT
fsr-3470	578	11	hastings	hastings	PROPN
fsr-3470	578	12	,	,	PUNCT
fsr-3470	578	13	j.	j.	PROPN
fsr-3470	578	14	s.	s.	PROPN
fsr-3470	578	15	,	,	PUNCT
fsr-3470	578	16	madrian	madrian	PROPN
fsr-3470	578	17	,	,	PUNCT
fsr-3470	578	18	b.	b.	PROPN
fsr-3470	578	19	c.	c.	PROPN
fsr-3470	578	20	,	,	PUNCT
fsr-3470	578	21	&	&	CCONJ
fsr-3470	578	22	skimmyhorn	skimmyhorn	PROPN
fsr-3470	578	23	,	,	PUNCT
fsr-3470	578	24	w.	w.	PROPN
fsr-3470	578	25	l.	l.	PROPN
fsr-3470	578	26	(	(	PUNCT
fsr-3470	578	27	2013	2013	NUM
fsr-3470	578	28	)	)	PUNCT
fsr-3470	578	29	.	.	PUNCT
fsr-3470	579	1	financial	financial	ADJ
fsr-3470	579	2	literacy	literacy	NOUN
fsr-3470	579	3	,	,	PUNCT
fsr-3470	579	4	financial	financial	ADJ
fsr-3470	579	5	education	education	NOUN
fsr-3470	579	6	,	,	PUNCT
fsr-3470	579	7	and	and	CCONJ
fsr-3470	579	8	economic	economic	ADJ
fsr-3470	579	9	outcomes	outcome	NOUN
fsr-3470	579	10	.	.	PUNCT
fsr-3470	580	1	annual	annual	ADJ
fsr-3470	580	2	review	review	NOUN
fsr-3470	580	3	of	of	ADP
fsr-3470	580	4	economics	economic	NOUN
fsr-3470	580	5	,	,	PUNCT
fsr-3470	580	6	5	5	NUM
fsr-3470	580	7	,	,	PUNCT
fsr-3470	580	8	347–373.e	347–373.e	NUM
fsr-3470	580	9	.	.	PUNCT
fsr-3470	581	1	[	[	X
fsr-3470	581	2	pmc	pmc	X
fsr-3470	581	3	]	]	X
fsr-3470	581	4	hortaçsu	hortaçsu	PROPN
fsr-3470	581	5	,	,	PUNCT
fsr-3470	581	6	a.	a.	NOUN
fsr-3470	581	7	,	,	PUNCT
fsr-3470	581	8	&	&	CCONJ
fsr-3470	581	9	syverson	syverson	PROPN
fsr-3470	581	10	,	,	PUNCT
fsr-3470	581	11	c.	c.	PROPN
fsr-3470	581	12	(	(	PUNCT
fsr-3470	581	13	2004	2004	NUM
fsr-3470	581	14	)	)	PUNCT
fsr-3470	581	15	.	.	PUNCT
fsr-3470	582	1	product	product	NOUN
fsr-3470	582	2	differentiation	differentiation	NOUN
fsr-3470	582	3	,	,	PUNCT
fsr-3470	582	4	search	search	NOUN
fsr-3470	582	5	costs	cost	NOUN
fsr-3470	582	6	,	,	PUNCT
fsr-3470	582	7	and	and	CCONJ
fsr-3470	582	8	competition	competition	NOUN
fsr-3470	582	9	in	in	ADP
fsr-3470	582	10	the	the	DET
fsr-3470	582	11	mutual	mutual	ADJ
fsr-3470	582	12	fund	fund	NOUN
fsr-3470	582	13	industry	industry	NOUN
fsr-3470	582	14	:	:	PUNCT
fsr-3470	582	15	a	a	DET
fsr-3470	582	16	case	case	NOUN
fsr-3470	582	17	study	study	NOUN
fsr-3470	582	18	of	of	ADP
fsr-3470	582	19	s&p	s&p	PROPN
fsr-3470	582	20	500	500	NUM
fsr-3470	582	21	index	index	NOUN
fsr-3470	582	22	funds	fund	NOUN
fsr-3470	582	23	.	.	PUNCT
fsr-3470	583	1	the	the	DET
fsr-3470	583	2	quarterly	quarterly	ADJ
fsr-3470	583	3	journal	journal	NOUN
fsr-3470	583	4	of	of	ADP
fsr-3470	583	5	economics	economic	NOUN
fsr-3470	583	6	,	,	PUNCT
fsr-3470	583	7	119	119	NUM
fsr-3470	583	8	,	,	PUNCT
fsr-3470	583	9	403–456	403–456	NUM
fsr-3470	583	10	.	.	PUNCT
fsr-3470	584	1	ici	ici	PROPN
fsr-3470	584	2	.	.	PUNCT
fsr-3470	585	1	(	(	PUNCT
fsr-3470	585	2	2010	2010	NUM
fsr-3470	585	3	)	)	PUNCT
fsr-3470	585	4	.	.	PUNCT
fsr-3470	586	1	ici	ici	PROPN
fsr-3470	586	2	research	research	PROPN
fsr-3470	586	3	report	report	NOUN
fsr-3470	586	4	:	:	PUNCT
fsr-3470	586	5	profile	profile	NOUN
fsr-3470	586	6	of	of	ADP
fsr-3470	586	7	mutual	mutual	ADJ
fsr-3470	586	8	fund	fund	NOUN
fsr-3470	586	9	shareholders	shareholder	NOUN
fsr-3470	586	10	,	,	PUNCT
fsr-3470	586	11	2010	2010	NUM
fsr-3470	586	12	.	.	PUNCT
fsr-3470	587	1	washington	washington	PROPN
fsr-3470	587	2	,	,	PUNCT
fsr-3470	587	3	dc	dc	PROPN
fsr-3470	587	4	:	:	PUNCT
fsr-3470	587	5	investment	investment	NOUN
fsr-3470	587	6	company	company	PROPN
fsr-3470	587	7	institute	institute	PROPN
fsr-3470	587	8	.	.	PUNCT
fsr-3470	588	1	ici	ici	PROPN
fsr-3470	588	2	.	.	PUNCT
fsr-3470	589	1	(	(	PUNCT
fsr-3470	589	2	2018	2018	NUM
fsr-3470	589	3	)	)	PUNCT
fsr-3470	589	4	.	.	PUNCT
fsr-3470	590	1	ici	ici	PROPN
fsr-3470	590	2	research	research	PROPN
fsr-3470	590	3	report	report	NOUN
fsr-3470	590	4	:	:	PUNCT
fsr-3470	590	5	profile	profile	NOUN
fsr-3470	590	6	of	of	ADP
fsr-3470	590	7	mutual	mutual	ADJ
fsr-3470	590	8	fund	fund	NOUN
fsr-3470	590	9	shareholders	shareholder	NOUN
fsr-3470	590	10	,	,	PUNCT
fsr-3470	590	11	2018	2018	NUM
fsr-3470	590	12	.	.	PUNCT
fsr-3470	591	1	washington	washington	PROPN
fsr-3470	591	2	,	,	PUNCT
fsr-3470	591	3	dc	dc	PROPN
fsr-3470	591	4	:	:	PUNCT
fsr-3470	591	5	investment	investment	NOUN
fsr-3470	591	6	company	company	PROPN
fsr-3470	591	7	institute	institute	NOUN
fsr-3470	591	8	.	.	PUNCT
fsr-3470	592	1	joint	joint	ADJ
fsr-3470	592	2	research	research	NOUN
fsr-3470	592	3	centre	centre	NOUN
fsr-3470	592	4	-	-	PUNCT
fsr-3470	592	5	european	european	PROPN
fsr-3470	592	6	commission	commission	PROPN
fsr-3470	592	7	.	.	PUNCT
fsr-3470	593	1	(	(	PUNCT
fsr-3470	593	2	2008	2008	NUM
fsr-3470	593	3	)	)	PUNCT
fsr-3470	593	4	.	.	PUNCT
fsr-3470	594	1	handbook	handbook	NOUN
fsr-3470	594	2	on	on	ADP
fsr-3470	594	3	constructing	construct	VERB
fsr-3470	594	4	composite	composite	ADJ
fsr-3470	594	5	indicators	indicator	NOUN
fsr-3470	594	6	:	:	PUNCT
fsr-3470	594	7	methodology	methodology	NOUN
fsr-3470	594	8	and	and	CCONJ
fsr-3470	594	9	user	user	NOUN
fsr-3470	594	10	guide	guide	NOUN
fsr-3470	594	11	.	.	PUNCT
fsr-3470	595	1	paris	paris	PROPN
fsr-3470	595	2	:	:	PUNCT
fsr-3470	596	1	oecd	oecd	PROPN
fsr-3470	596	2	publishing	publishing	NOUN
fsr-3470	596	3	.	.	PUNCT
fsr-3470	597	1	kahraman	kahraman	PROPN
fsr-3470	597	2	,	,	PUNCT
fsr-3470	597	3	b.	b.	PROPN
fsr-3470	597	4	(	(	PUNCT
fsr-3470	597	5	2021	2021	NUM
fsr-3470	597	6	)	)	PUNCT
fsr-3470	597	7	.	.	PUNCT
fsr-3470	598	1	fee	fee	NOUN
fsr-3470	598	2	complexity	complexity	NOUN
fsr-3470	598	3	and	and	CCONJ
fsr-3470	598	4	investor	investor	NOUN
fsr-3470	598	5	mistakes	mistake	NOUN
fsr-3470	598	6	in	in	ADP
fsr-3470	598	7	retail	retail	ADJ
fsr-3470	598	8	financial	financial	ADJ
fsr-3470	598	9	markets	market	NOUN
fsr-3470	598	10	.	.	PUNCT
fsr-3470	599	1	quarterly	quarterly	ADJ
fsr-3470	599	2	journal	journal	NOUN
fsr-3470	599	3	of	of	ADP
fsr-3470	599	4	finance	finance	NOUN
fsr-3470	599	5	,	,	PUNCT
fsr-3470	599	6	11(1	11(1	NUM
fsr-3470	599	7	)	)	PUNCT
fsr-3470	599	8	,	,	PUNCT
fsr-3470	599	9	2150004	2150004	NUM
fsr-3470	599	10	.	.	PUNCT
fsr-3470	600	1	kaiser	kaiser	PROPN
fsr-3470	600	2	,	,	PUNCT
fsr-3470	600	3	h.	h.	PROPN
fsr-3470	600	4	f.	f.	PROPN
fsr-3470	600	5	(	(	PUNCT
fsr-3470	600	6	1960	1960	NUM
fsr-3470	600	7	)	)	PUNCT
fsr-3470	600	8	.	.	PUNCT
fsr-3470	601	1	the	the	DET
fsr-3470	601	2	application	application	NOUN
fsr-3470	601	3	of	of	ADP
fsr-3470	601	4	electronic	electronic	ADJ
fsr-3470	601	5	computers	computer	NOUN
fsr-3470	601	6	to	to	PART
fsr-3470	601	7	factor	factor	VERB
fsr-3470	601	8	analysis	analysis	NOUN
fsr-3470	601	9	.	.	PUNCT
fsr-3470	602	1	educational	educational	ADJ
fsr-3470	602	2	and	and	CCONJ
fsr-3470	602	3	psychological	psychological	ADJ
fsr-3470	602	4	measurement	measurement	NOUN
fsr-3470	602	5	,	,	PUNCT
fsr-3470	602	6	20	20	NUM
fsr-3470	602	7	,	,	PUNCT
fsr-3470	602	8	141–151	141–151	NUM
fsr-3470	602	9	.	.	PUNCT
fsr-3470	603	1	kaiser	kaiser	PROPN
fsr-3470	603	2	,	,	PUNCT
fsr-3470	603	3	h.	h.	PROPN
fsr-3470	603	4	f.	f.	PROPN
fsr-3470	603	5	(	(	PUNCT
fsr-3470	603	6	1970	1970	NUM
fsr-3470	603	7	)	)	PUNCT
fsr-3470	603	8	.	.	PUNCT
fsr-3470	604	1	a	a	DET
fsr-3470	604	2	second	second	ADJ
fsr-3470	604	3	-	-	PUNCT
fsr-3470	604	4	generation	generation	NOUN
fsr-3470	604	5	little	little	ADJ
fsr-3470	604	6	jiffy	jiffy	NOUN
fsr-3470	604	7	.	.	PUNCT
fsr-3470	605	1	psychometrika	psychometrika	NOUN
fsr-3470	605	2	,	,	PUNCT
fsr-3470	605	3	35	35	NUM
fsr-3470	605	4	,	,	PUNCT
fsr-3470	605	5	401–415	401–415	NUM
fsr-3470	605	6	.	.	PUNCT
fsr-3470	606	1	kaiser	kaiser	PROPN
fsr-3470	606	2	,	,	PUNCT
fsr-3470	606	3	t.	t.	PROPN
fsr-3470	606	4	,	,	PUNCT
fsr-3470	606	5	&	&	CCONJ
fsr-3470	606	6	menkhoff	menkhoff	PROPN
fsr-3470	606	7	,	,	PUNCT
fsr-3470	606	8	l.	l.	PROPN
fsr-3470	606	9	(	(	PUNCT
fsr-3470	606	10	2017	2017	NUM
fsr-3470	606	11	)	)	PUNCT
fsr-3470	606	12	.	.	PUNCT
fsr-3470	607	1	does	do	VERB
fsr-3470	607	2	financial	financial	ADJ
fsr-3470	607	3	education	education	NOUN
fsr-3470	607	4	impact	impact	NOUN
fsr-3470	607	5	financial	financial	ADJ
fsr-3470	607	6	literacy	literacy	NOUN
fsr-3470	607	7	and	and	CCONJ
fsr-3470	607	8	financial	financial	ADJ
fsr-3470	607	9	behavior	behavior	NOUN
fsr-3470	607	10	,	,	PUNCT
fsr-3470	607	11	and	and	CCONJ
fsr-3470	607	12	if	if	SCONJ
fsr-3470	607	13	so	so	ADV
fsr-3470	607	14	,	,	PUNCT
fsr-3470	607	15	when	when	SCONJ
fsr-3470	607	16	?	?	PUNCT
fsr-3470	608	1	the	the	DET
fsr-3470	608	2	world	world	PROPN
fsr-3470	608	3	bank	bank	PROPN
fsr-3470	608	4	economic	economic	PROPN
fsr-3470	608	5	review	review	PROPN
fsr-3470	608	6	,	,	PUNCT
fsr-3470	608	7	31	31	NUM
fsr-3470	608	8	,	,	PUNCT
fsr-3470	608	9	611–630	611–630	NUM
fsr-3470	608	10	.	.	PUNCT
fsr-3470	609	1	kaiser	kaiser	PROPN
fsr-3470	609	2	,	,	PUNCT
fsr-3470	609	3	t.	t.	PROPN
fsr-3470	609	4	,	,	PUNCT
fsr-3470	609	5	&	&	CCONJ
fsr-3470	609	6	menkhoff	menkhoff	PROPN
fsr-3470	609	7	,	,	PUNCT
fsr-3470	609	8	l.	l.	PROPN
fsr-3470	609	9	(	(	PUNCT
fsr-3470	609	10	2020	2020	NUM
fsr-3470	609	11	)	)	PUNCT
fsr-3470	609	12	.	.	PUNCT
fsr-3470	610	1	financial	financial	ADJ
fsr-3470	610	2	education	education	NOUN
fsr-3470	610	3	in	in	ADP
fsr-3470	610	4	schools	school	NOUN
fsr-3470	610	5	:	:	PUNCT
fsr-3470	610	6	a	a	DET
fsr-3470	610	7	meta	meta	ADJ
fsr-3470	610	8	-	-	PUNCT
fsr-3470	610	9	analysis	analysis	NOUN
fsr-3470	610	10	of	of	ADP
fsr-3470	610	11	experimental	experimental	ADJ
fsr-3470	610	12	studies	study	NOUN
fsr-3470	610	13	.	.	PUNCT
fsr-3470	611	1	economics	economic	NOUN
fsr-3470	611	2	of	of	ADP
fsr-3470	611	3	education	education	PROPN
fsr-3470	611	4	review	review	NOUN
fsr-3470	611	5	,	,	PUNCT
fsr-3470	611	6	78	78	NUM
fsr-3470	611	7	,	,	PUNCT
fsr-3470	611	8	101930	101930	NUM
fsr-3470	611	9	.	.	PUNCT
fsr-3470	612	1	lin	lin	PROPN
fsr-3470	612	2	,	,	PUNCT
fsr-3470	612	3	j.	j.	PROPN
fsr-3470	612	4	t.	t.	PROPN
fsr-3470	612	5	,	,	PUNCT
fsr-3470	612	6	bumcrot	bumcrot	PROPN
fsr-3470	612	7	,	,	PUNCT
fsr-3470	612	8	c.	c.	PROPN
fsr-3470	612	9	,	,	PUNCT
fsr-3470	612	10	ulicny	ulicny	NOUN
fsr-3470	612	11	,	,	PUNCT
fsr-3470	612	12	t.	t.	PROPN
fsr-3470	612	13	,	,	PUNCT
fsr-3470	612	14	mottola	mottola	PROPN
fsr-3470	612	15	,	,	PUNCT
fsr-3470	612	16	g.	g.	PROPN
fsr-3470	612	17	,	,	PUNCT
fsr-3470	612	18	walsh	walsh	PROPN
fsr-3470	612	19	,	,	PUNCT
fsr-3470	612	20	g.	g.	PROPN
fsr-3470	612	21	,	,	PUNCT
fsr-3470	612	22	ganem	ganem	PROPN
fsr-3470	612	23	,	,	PUNCT
fsr-3470	612	24	r.	r.	PROPN
fsr-3470	612	25	,	,	PUNCT
fsr-3470	612	26	kieffer	kieffer	PROPN
fsr-3470	612	27	,	,	PUNCT
fsr-3470	612	28	c.	c.	PROPN
fsr-3470	612	29	,	,	PUNCT
fsr-3470	612	30	&	&	CCONJ
fsr-3470	612	31	lusardi	lusardi	PROPN
fsr-3470	612	32	,	,	PUNCT
fsr-3470	612	33	a.	a.	NOUN
fsr-3470	612	34	(	(	PUNCT
fsr-3470	612	35	2019	2019	NUM
fsr-3470	612	36	)	)	PUNCT
fsr-3470	612	37	.	.	PUNCT
fsr-3470	613	1	the	the	DET
fsr-3470	613	2	state	state	NOUN
fsr-3470	613	3	of	of	ADP
fsr-3470	613	4	u.	u.	PROPN
fsr-3470	613	5	s.	s.	PROPN
fsr-3470	613	6	financial	financial	ADJ
fsr-3470	613	7	capability	capability	NOUN
fsr-3470	613	8	:	:	PUNCT
fsr-3470	613	9	the	the	DET
fsr-3470	613	10	2018	2018	NUM
fsr-3470	613	11	national	national	ADJ
fsr-3470	613	12	financial	financial	ADJ
fsr-3470	613	13	capability	capability	NOUN
fsr-3470	613	14	study.washington	study.washington	PROPN
fsr-3470	613	15	,	,	PUNCT
fsr-3470	613	16	dc	dc	PROPN
fsr-3470	613	17	:	:	PUNCT
fsr-3470	613	18	finra	finra	PROPN
fsr-3470	613	19	.	.	PUNCT
fsr-3470	614	1	lusardi	lusardi	PROPN
fsr-3470	614	2	,	,	PUNCT
fsr-3470	614	3	a.	a.	NOUN
fsr-3470	614	4	(	(	PUNCT
fsr-3470	614	5	2008	2008	NUM
fsr-3470	614	6	)	)	PUNCT
fsr-3470	614	7	.	.	PUNCT
fsr-3470	615	1	financial	financial	ADJ
fsr-3470	615	2	literacy	literacy	NOUN
fsr-3470	615	3	:	:	PUNCT
fsr-3470	615	4	an	an	DET
fsr-3470	615	5	essential	essential	ADJ
fsr-3470	615	6	tool	tool	NOUN
fsr-3470	615	7	for	for	ADP
fsr-3470	615	8	informed	informed	ADJ
fsr-3470	615	9	consumer	consumer	NOUN
fsr-3470	615	10	choice	choice	NOUN
fsr-3470	615	11	?	?	PUNCT
fsr-3470	616	1	cambridge	cambridge	PROPN
fsr-3470	616	2	,	,	PUNCT
fsr-3470	616	3	ma	ma	PROPN
fsr-3470	616	4	:	:	PUNCT
fsr-3470	616	5	national	national	PROPN
fsr-3470	616	6	bureau	bureau	PROPN
fsr-3470	616	7	of	of	ADP
fsr-3470	616	8	economic	economic	ADJ
fsr-3470	616	9	research	research	NOUN
fsr-3470	616	10	.	.	PUNCT
fsr-3470	617	1	lusardi	lusardi	PROPN
fsr-3470	617	2	,	,	PUNCT
fsr-3470	617	3	a.	a.	NOUN
fsr-3470	617	4	(	(	PUNCT
fsr-3470	617	5	2011	2011	NUM
fsr-3470	617	6	)	)	PUNCT
fsr-3470	617	7	.	.	PUNCT
fsr-3470	618	1	financial	financial	ADJ
fsr-3470	618	2	literacy	literacy	NOUN
fsr-3470	618	3	and	and	CCONJ
fsr-3470	618	4	planning	planning	NOUN
fsr-3470	618	5	:	:	PUNCT
fsr-3470	618	6	implications	implication	NOUN
fsr-3470	618	7	for	for	ADP
fsr-3470	618	8	retirement	retirement	NOUN
fsr-3470	618	9	well	well	ADV
fsr-3470	618	10	-	-	PUNCT
fsr-3470	618	11	being	being	NOUN
fsr-3470	618	12	.	.	PUNCT
fsr-3470	619	1	in	in	ADP
fsr-3470	619	2	o.	o.	PROPN
fsr-3470	619	3	s.	s.	PROPN
fsr-3470	619	4	mitchell	mitchell	PROPN
fsr-3470	619	5	&	&	CCONJ
fsr-3470	619	6	a.	a.	PROPN
fsr-3470	619	7	lusardi	lusardi	PROPN
fsr-3470	619	8	(	(	PUNCT
fsr-3470	619	9	eds	ed	NOUN
fsr-3470	619	10	.	.	PUNCT
fsr-3470	619	11	)	)	PUNCT
fsr-3470	619	12	,	,	PUNCT
fsr-3470	619	13	financial	financial	ADJ
fsr-3470	619	14	literacy	literacy	NOUN
fsr-3470	619	15	:	:	PUNCT
fsr-3470	619	16	implications	implication	NOUN
fsr-3470	619	17	for	for	ADP
fsr-3470	619	18	retirement	retirement	NOUN
fsr-3470	619	19	security	security	NOUN
fsr-3470	619	20	and	and	CCONJ
fsr-3470	619	21	the	the	DET
fsr-3470	619	22	financial	financial	ADJ
fsr-3470	619	23	marketplace	marketplace	NOUN
fsr-3470	619	24	(	(	PUNCT
fsr-3470	619	25	pp	pp	ADJ
fsr-3470	619	26	.	.	PUNCT
fsr-3470	619	27	17–39	17–39	NUM
fsr-3470	619	28	)	)	PUNCT
fsr-3470	619	29	.	.	PUNCT
fsr-3470	620	1	cambridge	cambridge	PROPN
fsr-3470	620	2	,	,	PUNCT
fsr-3470	620	3	ma	ma	PROPN
fsr-3470	620	4	:	:	PUNCT
fsr-3470	620	5	oxford	oxford	PROPN
fsr-3470	620	6	university	university	PROPN
fsr-3470	620	7	press	press	NOUN
fsr-3470	620	8	.	.	PUNCT
fsr-3470	621	1	lusardi	lusardi	PROPN
fsr-3470	621	2	,	,	PUNCT
fsr-3470	621	3	a.	a.	NOUN
fsr-3470	621	4	(	(	PUNCT
fsr-3470	621	5	2012	2012	NUM
fsr-3470	621	6	)	)	PUNCT
fsr-3470	621	7	.	.	PUNCT
fsr-3470	622	1	numeracy	numeracy	NOUN
fsr-3470	622	2	,	,	PUNCT
fsr-3470	622	3	financial	financial	ADJ
fsr-3470	622	4	literacy	literacy	NOUN
fsr-3470	622	5	,	,	PUNCT
fsr-3470	622	6	and	and	CCONJ
fsr-3470	622	7	financial	financial	ADJ
fsr-3470	622	8	decision	decision	NOUN
fsr-3470	622	9	making	making	NOUN
fsr-3470	622	10	.	.	PUNCT
fsr-3470	623	1	cambridge	cambridge	PROPN
fsr-3470	623	2	,	,	PUNCT
fsr-3470	623	3	ma	ma	PROPN
fsr-3470	623	4	:	:	PUNCT
fsr-3470	623	5	national	national	PROPN
fsr-3470	623	6	bureau	bureau	PROPN
fsr-3470	623	7	of	of	ADP
fsr-3470	623	8	economic	economic	ADJ
fsr-3470	623	9	research	research	NOUN
fsr-3470	623	10	.	.	PUNCT
fsr-3470	624	1	lusardi	lusardi	PROPN
fsr-3470	624	2	,	,	PUNCT
fsr-3470	624	3	a.	a.	NOUN
fsr-3470	624	4	(	(	PUNCT
fsr-3470	624	5	2019	2019	NUM
fsr-3470	624	6	)	)	PUNCT
fsr-3470	624	7	.	.	PUNCT
fsr-3470	625	1	financial	financial	ADJ
fsr-3470	625	2	literacy	literacy	NOUN
fsr-3470	625	3	and	and	CCONJ
fsr-3470	625	4	the	the	DET
fsr-3470	625	5	need	need	NOUN
fsr-3470	625	6	for	for	ADP
fsr-3470	625	7	financial	financial	ADJ
fsr-3470	625	8	education	education	NOUN
fsr-3470	625	9	:	:	PUNCT
fsr-3470	625	10	evidence	evidence	NOUN
fsr-3470	625	11	and	and	CCONJ
fsr-3470	625	12	implications	implication	NOUN
fsr-3470	625	13	.	.	PUNCT
fsr-3470	626	1	swiss	swiss	ADJ
fsr-3470	626	2	journal	journal	PROPN
fsr-3470	626	3	of	of	ADP
fsr-3470	626	4	economics	economic	NOUN
fsr-3470	626	5	and	and	CCONJ
fsr-3470	626	6	statistics	statistic	NOUN
fsr-3470	626	7	,	,	PUNCT
fsr-3470	626	8	155	155	NUM
fsr-3470	626	9	,	,	PUNCT
fsr-3470	626	10	1.e	1.e	NUM
fsr-3470	626	11	.	.	PUNCT
fsr-3470	627	1	lusardi	lusardi	PROPN
fsr-3470	627	2	,	,	PUNCT
fsr-3470	627	3	a.	a.	PROPN
fsr-3470	627	4	,	,	PUNCT
fsr-3470	627	5	michaud	michaud	PROPN
fsr-3470	627	6	,	,	PUNCT
fsr-3470	627	7	p.	p.	PROPN
fsr-3470	627	8	c.	c.	PROPN
fsr-3470	627	9	,	,	PUNCT
fsr-3470	627	10	&	&	CCONJ
fsr-3470	627	11	mitchell	mitchell	PROPN
fsr-3470	627	12	,	,	PUNCT
fsr-3470	627	13	o.	o.	PROPN
fsr-3470	627	14	s.	s.	PROPN
fsr-3470	627	15	(	(	PUNCT
fsr-3470	627	16	2020	2020	NUM
fsr-3470	627	17	)	)	PUNCT
fsr-3470	627	18	.	.	PUNCT
fsr-3470	628	1	assessing	assess	VERB
fsr-3470	628	2	the	the	DET
fsr-3470	628	3	impact	impact	NOUN
fsr-3470	628	4	of	of	ADP
fsr-3470	628	5	financial	financial	ADJ
fsr-3470	628	6	education	education	NOUN
fsr-3470	628	7	programs	program	NOUN
fsr-3470	628	8	:	:	PUNCT
fsr-3470	628	9	a	a	DET
fsr-3470	628	10	quantitative	quantitative	ADJ
fsr-3470	628	11	model	model	NOUN
fsr-3470	628	12	.	.	PUNCT
fsr-3470	629	1	economics	economic	NOUN
fsr-3470	629	2	of	of	ADP
fsr-3470	629	3	education	education	PROPN
fsr-3470	629	4	review	review	NOUN
fsr-3470	629	5	,	,	PUNCT
fsr-3470	629	6	78	78	NUM
fsr-3470	629	7	,	,	PUNCT
fsr-3470	629	8	101899	101899	NUM
fsr-3470	629	9	.	.	PUNCT
fsr-3470	630	1	lusardi	lusardi	PROPN
fsr-3470	630	2	,	,	PUNCT
fsr-3470	630	3	a.	a.	PROPN
fsr-3470	630	4	,	,	PUNCT
fsr-3470	630	5	&	&	CCONJ
fsr-3470	630	6	mitchell	mitchell	PROPN
fsr-3470	630	7	,	,	PUNCT
fsr-3470	630	8	o.	o.	PROPN
fsr-3470	630	9	s.	s.	PROPN
fsr-3470	630	10	(	(	PUNCT
fsr-3470	630	11	2014	2014	NUM
fsr-3470	630	12	)	)	PUNCT
fsr-3470	630	13	.	.	PUNCT
fsr-3470	631	1	the	the	DET
fsr-3470	631	2	economic	economic	ADJ
fsr-3470	631	3	importance	importance	NOUN
fsr-3470	631	4	of	of	ADP
fsr-3470	631	5	financial	financial	ADJ
fsr-3470	631	6	literacy	literacy	NOUN
fsr-3470	631	7	:	:	PUNCT
fsr-3470	631	8	theory	theory	NOUN
fsr-3470	631	9	and	and	CCONJ
fsr-3470	631	10	evidence	evidence	NOUN
fsr-3470	631	11	.	.	PUNCT
fsr-3470	632	1	journal	journal	NOUN
fsr-3470	632	2	of	of	ADP
fsr-3470	632	3	economic	economic	ADJ
fsr-3470	632	4	literature	literature	NOUN
fsr-3470	632	5	,	,	PUNCT
fsr-3470	632	6	52	52	NUM
fsr-3470	632	7	,	,	PUNCT
fsr-3470	632	8	5–44	5–44	PROPN
fsr-3470	632	9	.	.	PROPN
fsr-3470	632	10	lusardi	lusardi	PROPN
fsr-3470	632	11	,	,	PUNCT
fsr-3470	632	12	a.	a.	PROPN
fsr-3470	632	13	,	,	PUNCT
fsr-3470	632	14	&	&	CCONJ
fsr-3470	632	15	mitchell	mitchell	PROPN
fsr-3470	632	16	,	,	PUNCT
fsr-3470	632	17	o.	o.	PROPN
fsr-3470	632	18	s.	s.	PROPN
fsr-3470	632	19	(	(	PUNCT
fsr-3470	632	20	2008	2008	NUM
fsr-3470	632	21	)	)	PUNCT
fsr-3470	632	22	.	.	PUNCT
fsr-3470	633	1	planning	planning	NOUN
fsr-3470	633	2	and	and	CCONJ
fsr-3470	633	3	financial	financial	ADJ
fsr-3470	633	4	literacy	literacy	NOUN
fsr-3470	633	5	:	:	PUNCT
fsr-3470	633	6	how	how	SCONJ
fsr-3470	633	7	do	do	AUX
fsr-3470	633	8	women	woman	NOUN
fsr-3470	633	9	fare	fare	VERB
fsr-3470	633	10	?	?	PUNCT
fsr-3470	634	1	american	american	PROPN
fsr-3470	634	2	economic	economic	PROPN
fsr-3470	634	3	review	review	PROPN
fsr-3470	634	4	,	,	PUNCT
fsr-3470	634	5	98	98	NUM
fsr-3470	634	6	,	,	PUNCT
fsr-3470	634	7	413–417	413–417	NUM
fsr-3470	634	8	.	.	PUNCT
fsr-3470	635	1	lusardi	lusardi	PROPN
fsr-3470	635	2	,	,	PUNCT
fsr-3470	635	3	a.	a.	PROPN
fsr-3470	635	4	,	,	PUNCT
fsr-3470	635	5	mitchell	mitchell	PROPN
fsr-3470	635	6	,	,	PUNCT
fsr-3470	635	7	o.	o.	PROPN
fsr-3470	635	8	s.	s.	PROPN
fsr-3470	635	9	,	,	PUNCT
fsr-3470	635	10	&	&	CCONJ
fsr-3470	635	11	curto	curto	PROPN
fsr-3470	635	12	,	,	PUNCT
fsr-3470	635	13	v.	v.	PROPN
fsr-3470	635	14	(	(	PUNCT
fsr-3470	635	15	2014	2014	NUM
fsr-3470	635	16	)	)	PUNCT
fsr-3470	635	17	.	.	PUNCT
fsr-3470	636	1	financial	financial	ADJ
fsr-3470	636	2	literacy	literacy	NOUN
fsr-3470	636	3	and	and	CCONJ
fsr-3470	636	4	financial	financial	ADJ
fsr-3470	636	5	sophistication	sophistication	NOUN
fsr-3470	636	6	in	in	ADP
fsr-3470	636	7	the	the	DET
fsr-3470	636	8	older	old	ADJ
fsr-3470	636	9	population	population	NOUN
fsr-3470	636	10	.	.	PUNCT
fsr-3470	637	1	journal	journal	PROPN
fsr-3470	637	2	of	of	ADP
fsr-3470	637	3	pension	pension	NOUN
fsr-3470	637	4	economics	economic	NOUN
fsr-3470	637	5	&	&	CCONJ
fsr-3470	637	6	finance	finance	PROPN
fsr-3470	637	7	,	,	PUNCT
fsr-3470	637	8	13	13	NUM
fsr-3470	637	9	,	,	PUNCT
fsr-3470	637	10	347–366	347–366	NUM
fsr-3470	637	11	.	.	PUNCT
fsr-3470	638	1	b.	b.	PROPN
fsr-3470	638	2	scholl	scholl	PROPN
fsr-3470	638	3	and	and	CCONJ
fsr-3470	638	4	a.	a.	NOUN
fsr-3470	638	5	fontes	fontes	PROPN
fsr-3470	638	6	/	/	SYM
fsr-3470	638	7	financial	financial	ADJ
fsr-3470	638	8	services	service	NOUN
fsr-3470	638	9	review	review	VERB
fsr-3470	638	10	30	30	NUM
fsr-3470	638	11	(	(	PUNCT
fsr-3470	638	12	2022	2022	NUM
fsr-3470	638	13	)	)	PUNCT
fsr-3470	638	14	31–56	31–56	NUM
fsr-3470	638	15	55	55	NUM
fsr-3470	638	16	lusardi	lusardi	NOUN
fsr-3470	638	17	,	,	PUNCT
fsr-3470	638	18	a.	a.	NOUN
fsr-3470	638	19	,	,	PUNCT
fsr-3470	638	20	&	&	CCONJ
fsr-3470	638	21	tufano	tufano	ADJ
fsr-3470	638	22	,	,	PUNCT
fsr-3470	638	23	p.	p.	NOUN
fsr-3470	638	24	(	(	PUNCT
fsr-3470	638	25	2009	2009	NUM
fsr-3470	638	26	)	)	PUNCT
fsr-3470	638	27	.	.	PUNCT
fsr-3470	639	1	debt	debt	NOUN
fsr-3470	639	2	literacy	literacy	NOUN
fsr-3470	639	3	,	,	PUNCT
fsr-3470	639	4	financial	financial	ADJ
fsr-3470	639	5	experiences	experience	NOUN
fsr-3470	639	6	,	,	PUNCT
fsr-3470	639	7	and	and	CCONJ
fsr-3470	639	8	overindebtedness	overindebtedness	NOUN
fsr-3470	639	9	.	.	PUNCT
fsr-3470	640	1	nber	nber	PROPN
fsr-3470	640	2	working	working	PROPN
fsr-3470	640	3	papers	paper	NOUN
fsr-3470	640	4	14808	14808	NUM
fsr-3470	640	5	.	.	PUNCT
fsr-3470	641	1	washington	washington	PROPN
fsr-3470	641	2	,	,	PUNCT
fsr-3470	641	3	dc	dc	PROPN
fsr-3470	641	4	:	:	PUNCT
fsr-3470	641	5	national	national	PROPN
fsr-3470	641	6	bureau	bureau	PROPN
fsr-3470	641	7	of	of	ADP
fsr-3470	641	8	economic	economic	ADJ
fsr-3470	641	9	research	research	PROPN
fsr-3470	641	10	,	,	PUNCT
fsr-3470	641	11	inc	inc	PROPN
fsr-3470	641	12	.	.	PROPN
fsr-3470	641	13	lusardi	lusardi	PROPN
fsr-3470	641	14	,	,	PUNCT
fsr-3470	641	15	a.	a.	PROPN
fsr-3470	641	16	,	,	PUNCT
fsr-3470	641	17	&	&	CCONJ
fsr-3470	641	18	tufano	tufano	ADJ
fsr-3470	641	19	,	,	PUNCT
fsr-3470	641	20	p.	p.	NOUN
fsr-3470	641	21	(	(	PUNCT
fsr-3470	641	22	2015	2015	NUM
fsr-3470	641	23	)	)	PUNCT
fsr-3470	641	24	.	.	PUNCT
fsr-3470	642	1	debt	debt	NOUN
fsr-3470	642	2	literacy	literacy	NOUN
fsr-3470	642	3	,	,	PUNCT
fsr-3470	642	4	financial	financial	ADJ
fsr-3470	642	5	experiences	experience	NOUN
fsr-3470	642	6	,	,	PUNCT
fsr-3470	642	7	and	and	CCONJ
fsr-3470	642	8	overindebtedness	overindebtedness	NOUN
fsr-3470	642	9	.	.	PUNCT
fsr-3470	643	1	journal	journal	NOUN
fsr-3470	643	2	of	of	ADP
fsr-3470	643	3	pension	pension	NOUN
fsr-3470	643	4	economics	economic	NOUN
fsr-3470	643	5	and	and	CCONJ
fsr-3470	643	6	finance	finance	NOUN
fsr-3470	643	7	,	,	PUNCT
fsr-3470	643	8	14	14	NUM
fsr-3470	643	9	,	,	PUNCT
fsr-3470	643	10	332–368	332–368	NUM
fsr-3470	643	11	.	.	PUNCT
fsr-3470	644	1	malkiel	malkiel	PROPN
fsr-3470	644	2	,	,	PUNCT
fsr-3470	644	3	b.	b.	PROPN
fsr-3470	644	4	g.	g.	PROPN
fsr-3470	644	5	(	(	PUNCT
fsr-3470	644	6	1995	1995	NUM
fsr-3470	644	7	)	)	PUNCT
fsr-3470	644	8	.	.	PUNCT
fsr-3470	645	1	returns	return	NOUN
fsr-3470	645	2	from	from	ADP
fsr-3470	645	3	investing	invest	VERB
fsr-3470	645	4	in	in	ADP
fsr-3470	645	5	equity	equity	NOUN
fsr-3470	645	6	mutual	mutual	ADJ
fsr-3470	645	7	funds	fund	NOUN
fsr-3470	645	8	1971	1971	NUM
fsr-3470	645	9	to	to	ADP
fsr-3470	645	10	1991	1991	NUM
fsr-3470	645	11	.	.	PUNCT
fsr-3470	646	1	the	the	DET
fsr-3470	646	2	journal	journal	NOUN
fsr-3470	646	3	of	of	ADP
fsr-3470	646	4	finance	finance	NOUN
fsr-3470	646	5	,	,	PUNCT
fsr-3470	646	6	50	50	NUM
fsr-3470	646	7	,	,	PUNCT
fsr-3470	646	8	549–572	549–572	NUM
fsr-3470	646	9	.	.	PUNCT
fsr-3470	646	10	muller	muller	PROPN
fsr-3470	646	11	,	,	PUNCT
fsr-3470	646	12	l.	l.	PROPN
fsr-3470	646	13	a.	a.	PROPN
fsr-3470	646	14	,	,	PUNCT
fsr-3470	646	15	&	&	CCONJ
fsr-3470	646	16	turner	turner	PROPN
fsr-3470	646	17	,	,	PUNCT
fsr-3470	646	18	j.	j.	PROPN
fsr-3470	646	19	a.	a.	PROPN
fsr-3470	646	20	(	(	PUNCT
fsr-3470	646	21	2021	2021	NUM
fsr-3470	646	22	)	)	PUNCT
fsr-3470	646	23	.	.	PUNCT
fsr-3470	647	1	financial	financial	ADJ
fsr-3470	647	2	literacy	literacy	NOUN
fsr-3470	647	3	,	,	PUNCT
fsr-3470	647	4	the	the	DET
fsr-3470	647	5	“	"	PUNCT
fsr-3470	647	6	high	high	ADJ
fsr-3470	647	7	-	-	PUNCT
fsr-3470	647	8	fee	fee	NOUN
fsr-3470	647	9	puzzle	puzzle	NOUN
fsr-3470	647	10	,	,	PUNCT
fsr-3470	647	11	”	"	PUNCT
fsr-3470	647	12	and	and	CCONJ
fsr-3470	647	13	knowledge	knowledge	NOUN
fsr-3470	647	14	about	about	ADP
fsr-3470	647	15	the	the	DET
fsr-3470	647	16	importance	importance	NOUN
fsr-3470	647	17	of	of	ADP
fsr-3470	647	18	fees	fee	NOUN
fsr-3470	647	19	.	.	PUNCT
fsr-3470	648	1	the	the	DET
fsr-3470	648	2	journal	journal	NOUN
fsr-3470	648	3	of	of	ADP
fsr-3470	648	4	retirement	retirement	NOUN
fsr-3470	648	5	,	,	PUNCT
fsr-3470	648	6	8	8	NUM
fsr-3470	648	7	,	,	PUNCT
fsr-3470	648	8	29–38	29–38	NUM
fsr-3470	648	9	.	.	PUNCT
fsr-3470	649	1	müller	müller	NOUN
fsr-3470	649	2	,	,	PUNCT
fsr-3470	649	3	s.	s.	PROPN
fsr-3470	649	4	,	,	PUNCT
fsr-3470	649	5	&	&	CCONJ
fsr-3470	649	6	weber	weber	PROPN
fsr-3470	649	7	,	,	PUNCT
fsr-3470	649	8	m.	m.	NOUN
fsr-3470	649	9	(	(	PUNCT
fsr-3470	649	10	2010	2010	NUM
fsr-3470	649	11	)	)	PUNCT
fsr-3470	649	12	.	.	PUNCT
fsr-3470	650	1	financial	financial	ADJ
fsr-3470	650	2	literacy	literacy	NOUN
fsr-3470	650	3	and	and	CCONJ
fsr-3470	650	4	mutual	mutual	ADJ
fsr-3470	650	5	fund	fund	NOUN
fsr-3470	650	6	investments	investment	NOUN
fsr-3470	650	7	:	:	PUNCT
fsr-3470	650	8	who	who	PRON
fsr-3470	650	9	buys	buy	VERB
fsr-3470	650	10	actively	actively	ADV
fsr-3470	650	11	managed	manage	VERB
fsr-3470	650	12	funds	fund	NOUN
fsr-3470	650	13	?	?	PUNCT
fsr-3470	651	1	schmalenbach	schmalenbach	NOUN
fsr-3470	651	2	business	business	NOUN
fsr-3470	651	3	review	review	PROPN
fsr-3470	651	4	,	,	PUNCT
fsr-3470	651	5	62	62	NUM
fsr-3470	651	6	,	,	PUNCT
fsr-3470	651	7	126–153	126–153	NUM
fsr-3470	651	8	.	.	PUNCT
fsr-3470	652	1	scholl	scholl	PROPN
fsr-3470	652	2	,	,	PUNCT
fsr-3470	652	3	b.	b.	PROPN
fsr-3470	652	4	(	(	PUNCT
fsr-3470	652	5	2020	2020	NUM
fsr-3470	652	6	)	)	PUNCT
fsr-3470	652	7	.	.	PUNCT
fsr-3470	653	1	choice	choice	NOUN
fsr-3470	653	2	set	set	VERB
fsr-3470	653	3	complexity	complexity	NOUN
fsr-3470	653	4	.	.	PUNCT
fsr-3470	654	1	working	work	VERB
fsr-3470	654	2	paper	paper	NOUN
fsr-3470	654	3	.	.	PUNCT
fsr-3470	655	1	washington	washington	PROPN
fsr-3470	655	2	,	,	PUNCT
fsr-3470	655	3	dc	dc	PROPN
fsr-3470	655	4	:	:	PUNCT
fsr-3470	655	5	sec	sec	PROPN
fsr-3470	655	6	office	office	NOUN
fsr-3470	655	7	of	of	ADP
fsr-3470	655	8	the	the	DET
fsr-3470	655	9	investor	investor	NOUN
fsr-3470	655	10	advocate	advocate	NOUN
fsr-3470	655	11	.	.	PUNCT
fsr-3470	656	1	scholl	scholl	PROPN
fsr-3470	656	2	,	,	PUNCT
fsr-3470	656	3	b.	b.	PROPN
fsr-3470	656	4	,	,	PUNCT
fsr-3470	656	5	&	&	CCONJ
fsr-3470	656	6	fontes	fonte	NOUN
fsr-3470	656	7	,	,	PUNCT
fsr-3470	656	8	a.	a.	NOUN
fsr-3470	656	9	(	(	PUNCT
fsr-3470	656	10	2019	2019	NUM
fsr-3470	656	11	)	)	PUNCT
fsr-3470	656	12	.	.	PUNCT
fsr-3470	657	1	what	what	PRON
fsr-3470	657	2	does	do	AUX
fsr-3470	657	3	the	the	DET
fsr-3470	657	4	public	public	NOUN
fsr-3470	657	5	know	know	VERB
fsr-3470	657	6	about	about	ADP
fsr-3470	657	7	mutual	mutual	ADJ
fsr-3470	657	8	funds	fund	NOUN
fsr-3470	657	9	?	?	PUNCT
fsr-3470	658	1	working	work	VERB
fsr-3470	658	2	paper	paper	NOUN
fsr-3470	658	3	.	.	PUNCT
fsr-3470	659	1	washington	washington	PROPN
fsr-3470	659	2	,	,	PUNCT
fsr-3470	659	3	dc	dc	PROPN
fsr-3470	659	4	:	:	PUNCT
fsr-3470	659	5	sec	sec	PROPN
fsr-3470	659	6	office	office	NOUN
fsr-3470	659	7	of	of	ADP
fsr-3470	659	8	the	the	DET
fsr-3470	659	9	investor	investor	NOUN
fsr-3470	659	10	advocate	advocate	NOUN
fsr-3470	659	11	.	.	PUNCT
fsr-3470	660	1	scholl	scholl	PROPN
fsr-3470	660	2	,	,	PUNCT
fsr-3470	660	3	b.	b.	PROPN
fsr-3470	660	4	,	,	PUNCT
fsr-3470	660	5	&	&	CCONJ
fsr-3470	660	6	hung	hung	PROPN
fsr-3470	660	7	,	,	PUNCT
fsr-3470	660	8	a.	a.	NOUN
fsr-3470	660	9	(	(	PUNCT
fsr-3470	660	10	2018	2018	NUM
fsr-3470	660	11	)	)	PUNCT
fsr-3470	660	12	.	.	PUNCT
fsr-3470	661	1	the	the	DET
fsr-3470	661	2	retail	retail	ADJ
fsr-3470	661	3	market	market	NOUN
fsr-3470	661	4	for	for	ADP
fsr-3470	661	5	investment	investment	NOUN
fsr-3470	661	6	advice	advice	NOUN
fsr-3470	661	7	.	.	PUNCT
fsr-3470	662	1	washington	washington	PROPN
fsr-3470	662	2	,	,	PUNCT
fsr-3470	662	3	dc	dc	PROPN
fsr-3470	662	4	:	:	PUNCT
fsr-3470	662	5	office	office	NOUN
fsr-3470	662	6	of	of	ADP
fsr-3470	662	7	the	the	DET
fsr-3470	662	8	investor	investor	NOUN
fsr-3470	662	9	advocate	advocate	NOUN
fsr-3470	662	10	.	.	PUNCT
fsr-3470	663	1	available	available	ADJ
fsr-3470	663	2	at	at	ADP
fsr-3470	663	3	https://www.sec.gov/files/retail-market-for-investment-advice.pdf	https://www.sec.gov/files/retail-market-for-investment-advice.pdf	PROPN
fsr-3470	663	4	scholl	scholl	PROPN
fsr-3470	663	5	,	,	PUNCT
fsr-3470	663	6	b.	b.	PROPN
fsr-3470	663	7	,	,	PUNCT
fsr-3470	663	8	silverman	silverman	PROPN
fsr-3470	663	9	,	,	PUNCT
fsr-3470	663	10	d.	d.	PROPN
fsr-3470	663	11	,	,	PUNCT
fsr-3470	663	12	&	&	CCONJ
fsr-3470	663	13	enriquez	enriquez	PROPN
fsr-3470	663	14	,	,	PUNCT
fsr-3470	663	15	m.	m.	NOUN
fsr-3470	663	16	(	(	PUNCT
fsr-3470	663	17	2020	2020	NUM
fsr-3470	663	18	)	)	PUNCT
fsr-3470	663	19	.	.	PUNCT
fsr-3470	664	1	text	text	NOUN
fsr-3470	664	2	complexity	complexity	NOUN
fsr-3470	664	3	and	and	CCONJ
fsr-3470	664	4	performance	performance	NOUN
fsr-3470	664	5	.	.	PUNCT
fsr-3470	665	1	santa	santa	PROPN
fsr-3470	665	2	monica	monica	PROPN
fsr-3470	665	3	,	,	PUNCT
fsr-3470	665	4	ca	can	AUX
fsr-3470	665	5	:	:	PUNCT
fsr-3470	665	6	rand	rand	PROPN
fsr-3470	665	7	befi	befi	PROPN
fsr-3470	665	8	presentation	presentation	NOUN
fsr-3470	665	9	.	.	PUNCT
fsr-3470	666	1	scholl	scholl	PROPN
fsr-3470	666	2	,	,	PUNCT
fsr-3470	666	3	b.	b.	PROPN
fsr-3470	666	4	,	,	PUNCT
fsr-3470	666	5	silverman	silverman	PROPN
fsr-3470	666	6	,	,	PUNCT
fsr-3470	666	7	d.	d.	PROPN
fsr-3470	666	8	,	,	PUNCT
fsr-3470	666	9	&	&	CCONJ
fsr-3470	666	10	enriquez	enriquez	PROPN
fsr-3470	666	11	,	,	PUNCT
fsr-3470	666	12	m.	m.	NOUN
fsr-3470	666	13	(	(	PUNCT
fsr-3470	666	14	2021	2021	NUM
fsr-3470	666	15	)	)	PUNCT
fsr-3470	666	16	.	.	PUNCT
fsr-3470	667	1	disclosure	disclosure	NOUN
fsr-3470	667	2	complexity	complexity	NOUN
fsr-3470	667	3	and	and	CCONJ
fsr-3470	667	4	fund	fund	NOUN
fsr-3470	667	5	performance	performance	NOUN
fsr-3470	667	6	.	.	PUNCT
fsr-3470	668	1	working	work	VERB
fsr-3470	668	2	paper	paper	NOUN
fsr-3470	668	3	.	.	PUNCT
fsr-3470	669	1	washington	washington	PROPN
fsr-3470	669	2	,	,	PUNCT
fsr-3470	669	3	dc	dc	PROPN
fsr-3470	669	4	:	:	PUNCT
fsr-3470	669	5	sec	sec	PROPN
fsr-3470	669	6	office	office	NOUN
fsr-3470	669	7	of	of	ADP
fsr-3470	669	8	the	the	DET
fsr-3470	669	9	investor	investor	NOUN
fsr-3470	669	10	advocate	advocate	NOUN
fsr-3470	669	11	.	.	PUNCT
fsr-3470	670	1	urban	urban	ADJ
fsr-3470	670	2	,	,	PUNCT
fsr-3470	670	3	c.	c.	NOUN
fsr-3470	670	4	,	,	PUNCT
fsr-3470	670	5	schmeiser	schmeiser	ADJ
fsr-3470	670	6	,	,	PUNCT
fsr-3470	670	7	m.	m.	NOUN
fsr-3470	670	8	,	,	PUNCT
fsr-3470	670	9	collins	collins	PROPN
fsr-3470	670	10	,	,	PUNCT
fsr-3470	670	11	j.	j.	PROPN
fsr-3470	670	12	m.	m.	PROPN
fsr-3470	670	13	,	,	PUNCT
fsr-3470	670	14	&	&	CCONJ
fsr-3470	670	15	brown	brown	PROPN
fsr-3470	670	16	,	,	PUNCT
fsr-3470	670	17	a.	a.	NOUN
fsr-3470	670	18	(	(	PUNCT
fsr-3470	670	19	2020	2020	NUM
fsr-3470	670	20	)	)	PUNCT
fsr-3470	670	21	.	.	PUNCT
fsr-3470	671	1	the	the	DET
fsr-3470	671	2	effects	effect	NOUN
fsr-3470	671	3	of	of	ADP
fsr-3470	671	4	high	high	ADJ
fsr-3470	671	5	school	school	NOUN
fsr-3470	671	6	personal	personal	ADJ
fsr-3470	671	7	financial	financial	ADJ
fsr-3470	671	8	education	education	NOUN
fsr-3470	671	9	policies	policy	NOUN
fsr-3470	671	10	on	on	ADP
fsr-3470	671	11	financial	financial	ADJ
fsr-3470	671	12	behavior	behavior	NOUN
fsr-3470	671	13	.	.	PUNCT
fsr-3470	672	1	economics	economic	NOUN
fsr-3470	672	2	of	of	ADP
fsr-3470	672	3	education	education	PROPN
fsr-3470	672	4	review	review	NOUN
fsr-3470	672	5	,	,	PUNCT
fsr-3470	672	6	78	78	NUM
fsr-3470	672	7	,	,	PUNCT
fsr-3470	672	8	10178	10178	NUM
fsr-3470	672	9	.	.	PUNCT
fsr-3470	673	1	u.	u.	PROPN
fsr-3470	673	2	s.	s.	PROPN
fsr-3470	673	3	securities	securities	PROPN
fsr-3470	673	4	&	&	CCONJ
fsr-3470	673	5	exchange	exchange	PROPN
fsr-3470	673	6	commission	commission	PROPN
fsr-3470	673	7	.	.	PUNCT
fsr-3470	674	1	(	(	PUNCT
fsr-3470	674	2	2012	2012	NUM
fsr-3470	674	3	)	)	PUNCT
fsr-3470	674	4	.	.	PUNCT
fsr-3470	675	1	study	study	NOUN
fsr-3470	675	2	regarding	regard	VERB
fsr-3470	675	3	financial	financial	ADJ
fsr-3470	675	4	literacy	literacy	NOUN
fsr-3470	675	5	among	among	ADP
fsr-3470	675	6	investors	investor	NOUN
fsr-3470	675	7	.	.	PUNCT
fsr-3470	676	1	washington	washington	PROPN
fsr-3470	676	2	,	,	PUNCT
fsr-3470	676	3	dc	dc	PROPN
fsr-3470	676	4	:	:	PUNCT
fsr-3470	676	5	us	us	PROPN
fsr-3470	676	6	security	security	NOUN
fsr-3470	676	7	and	and	CCONJ
fsr-3470	676	8	exchange	exchange	PROPN
fsr-3470	676	9	commission	commission	PROPN
fsr-3470	676	10	.	.	PUNCT
fsr-3470	677	1	available	available	ADJ
fsr-3470	677	2	at	at	ADP
fsr-3470	677	3	https://www.sec.gov/news/studies/	https://www.sec.gov/news/studies/	PROPN
fsr-3470	677	4	2012/917	2012/917	NUM
fsr-3470	677	5	-	-	PUNCT
fsr-3470	677	6	financial	financial	ADJ
fsr-3470	677	7	-	-	PUNCT
fsr-3470	677	8	literacy	literacy	NOUN
fsr-3470	677	9	-	-	PUNCT
fsr-3470	677	10	study	study	NOUN
fsr-3470	677	11	-	-	PUNCT
fsr-3470	677	12	part1.pdf	part1.pdf	PROPN
fsr-3470	677	13	van	van	PROPN
fsr-3470	677	14	rooij	rooij	NOUN
fsr-3470	677	15	,	,	PUNCT
fsr-3470	677	16	m.	m.	NOUN
fsr-3470	677	17	,	,	PUNCT
fsr-3470	677	18	lusardi	lusardi	PROPN
fsr-3470	677	19	,	,	PUNCT
fsr-3470	677	20	a.	a.	NOUN
fsr-3470	677	21	,	,	PUNCT
fsr-3470	677	22	&	&	CCONJ
fsr-3470	677	23	alessie	alessie	PROPN
fsr-3470	677	24	,	,	PUNCT
fsr-3470	677	25	r.	r.	PROPN
fsr-3470	677	26	(	(	PUNCT
fsr-3470	677	27	2011	2011	NUM
fsr-3470	677	28	)	)	PUNCT
fsr-3470	677	29	.	.	PUNCT
fsr-3470	678	1	financial	financial	ADJ
fsr-3470	678	2	literacy	literacy	NOUN
fsr-3470	678	3	and	and	CCONJ
fsr-3470	678	4	stock	stock	NOUN
fsr-3470	678	5	market	market	NOUN
fsr-3470	678	6	participation	participation	NOUN
fsr-3470	678	7	.	.	PUNCT
fsr-3470	679	1	journal	journal	NOUN
fsr-3470	679	2	of	of	ADP
fsr-3470	679	3	financial	financial	ADJ
fsr-3470	679	4	economics	economic	NOUN
fsr-3470	679	5	,	,	PUNCT
fsr-3470	679	6	101	101	NUM
fsr-3470	679	7	,	,	PUNCT
fsr-3470	679	8	449–472	449–472	NUM
fsr-3470	679	9	.	.	PUNCT
fsr-3470	680	1	56	56	NUM
fsr-3470	680	2	b.	b.	PROPN
fsr-3470	680	3	scholl	scholl	PROPN
fsr-3470	680	4	and	and	CCONJ
fsr-3470	680	5	a.	a.	NOUN
fsr-3470	680	6	fontes	fontes	PROPN
fsr-3470	680	7	/	/	SYM
fsr-3470	680	8	financial	financial	ADJ
fsr-3470	680	9	services	service	NOUN
fsr-3470	680	10	review	review	VERB
fsr-3470	680	11	30	30	NUM
fsr-3470	680	12	(	(	PUNCT
fsr-3470	680	13	2022	2022	NUM
fsr-3470	680	14	)	)	PUNCT
fsr-3470	680	15	31–56	31–56	NUM