id	sid	tid	token	lemma	pos
fsr-3471	1	1	do	do	VERB
fsr-3471	1	2	as	as	SCONJ
fsr-3471	1	3	i	i	PRON
fsr-3471	1	4	tell	tell	VERB
fsr-3471	1	5	you	you	PRON
fsr-3471	1	6	,	,	PUNCT
fsr-3471	1	7	not	not	PART
fsr-3471	1	8	as	as	SCONJ
fsr-3471	1	9	i	i	PRON
fsr-3471	1	10	do	do	VERB
fsr-3471	1	11	:	:	PUNCT
fsr-3471	1	12	financial	financial	ADJ
fsr-3471	1	13	advisors	advisor	NOUN
fsr-3471	1	14	and	and	CCONJ
fsr-3471	1	15	personal	personal	ADJ
fsr-3471	1	16	financial	financial	ADJ
fsr-3471	1	17	decision	decision	NOUN
fsr-3471	1	18	-	-	PUNCT
fsr-3471	1	19	making	make	VERB
fsr-3471	1	20	negin	negin	ADJ
fsr-3471	1	21	azamian1	azamian1	ADJ
fsr-3471	1	22	,	,	PUNCT
fsr-3471	1	23	kristine	kristine	PROPN
fsr-3471	1	24	beck1	beck1	PROPN
fsr-3471	1	25	,	,	PUNCT
fsr-3471	1	26	hsin	hsin	PROPN
fsr-3471	1	27	-	-	PUNCT
fsr-3471	1	28	hui	hui	PROPN
fsr-3471	1	29	chiu1	chiu1	PROPN
fsr-3471	1	30	,	,	PUNCT
fsr-3471	1	31	inga	inga	PROPN
fsr-3471	1	32	timmerman1	timmerman1	NOUN
fsr-3471	1	33	,	,	PUNCT
fsr-3471	1	34	*	*	PROPN
fsr-3471	1	35	1department	1department	NUM
fsr-3471	1	36	of	of	ADP
fsr-3471	1	37	finance	finance	NOUN
fsr-3471	1	38	,	,	PUNCT
fsr-3471	1	39	financial	financial	ADJ
fsr-3471	1	40	planning	planning	NOUN
fsr-3471	1	41	and	and	CCONJ
fsr-3471	1	42	insurance	insurance	NOUN
fsr-3471	1	43	,	,	PUNCT
fsr-3471	1	44	california	california	PROPN
fsr-3471	1	45	state	state	PROPN
fsr-3471	1	46	university	university	PROPN
fsr-3471	1	47	,	,	PUNCT
fsr-3471	1	48	northridge	northridge	PROPN
fsr-3471	1	49	,	,	PUNCT
fsr-3471	1	50	california	california	PROPN
fsr-3471	1	51	abstract	abstract	NOUN
fsr-3471	1	52	we	we	PRON
fsr-3471	1	53	describe	describe	VERB
fsr-3471	1	54	the	the	DET
fsr-3471	1	55	financial	financial	ADJ
fsr-3471	1	56	behavior	behavior	NOUN
fsr-3471	1	57	of	of	ADP
fsr-3471	1	58	financial	financial	ADJ
fsr-3471	1	59	advisors	advisor	NOUN
fsr-3471	1	60	and	and	CCONJ
fsr-3471	1	61	whether	whether	SCONJ
fsr-3471	1	62	they	they	PRON
fsr-3471	1	63	follow	follow	VERB
fsr-3471	1	64	the	the	DET
fsr-3471	1	65	advice	advice	NOUN
fsr-3471	1	66	they	they	PRON
fsr-3471	1	67	give	give	VERB
fsr-3471	1	68	clients	client	NOUN
fsr-3471	1	69	.	.	PUNCT
fsr-3471	2	1	we	we	PRON
fsr-3471	2	2	focus	focus	VERB
fsr-3471	2	3	on	on	ADP
fsr-3471	2	4	the	the	DET
fsr-3471	2	5	following	follow	VERB
fsr-3471	2	6	areas	area	NOUN
fsr-3471	2	7	of	of	ADP
fsr-3471	2	8	comprehensive	comprehensive	ADJ
fsr-3471	2	9	financial	financial	ADJ
fsr-3471	2	10	planning	planning	NOUN
fsr-3471	2	11	as	as	SCONJ
fsr-3471	2	12	they	they	PRON
fsr-3471	2	13	relate	relate	VERB
fsr-3471	2	14	to	to	ADP
fsr-3471	2	15	advisor	advisor	NOUN
fsr-3471	2	16	behavior	behavior	NOUN
fsr-3471	2	17	:	:	PUNCT
fsr-3471	2	18	(	(	PUNCT
fsr-3471	2	19	1	1	X
fsr-3471	2	20	)	)	PUNCT
fsr-3471	2	21	cash	cash	NOUN
fsr-3471	2	22	flow	flow	NOUN
fsr-3471	2	23	,	,	PUNCT
fsr-3471	2	24	(	(	PUNCT
fsr-3471	2	25	2	2	X
fsr-3471	2	26	)	)	PUNCT
fsr-3471	2	27	debt	debt	NOUN
fsr-3471	2	28	,	,	PUNCT
fsr-3471	2	29	(	(	PUNCT
fsr-3471	2	30	3	3	X
fsr-3471	2	31	)	)	PUNCT
fsr-3471	2	32	retirement	retirement	NOUN
fsr-3471	2	33	planning	planning	NOUN
fsr-3471	2	34	,	,	PUNCT
fsr-3471	2	35	(	(	PUNCT
fsr-3471	2	36	4	4	X
fsr-3471	2	37	)	)	PUNCT
fsr-3471	2	38	investments	investment	NOUN
fsr-3471	2	39	,	,	PUNCT
fsr-3471	2	40	and	and	CCONJ
fsr-3471	2	41	(	(	PUNCT
fsr-3471	2	42	5	5	X
fsr-3471	2	43	)	)	PUNCT
fsr-3471	2	44	estate	estate	NOUN
fsr-3471	2	45	planning	planning	NOUN
fsr-3471	2	46	.	.	PUNCT
fsr-3471	3	1	the	the	DET
fsr-3471	3	2	primary	primary	ADJ
fsr-3471	3	3	goal	goal	NOUN
fsr-3471	3	4	is	be	AUX
fsr-3471	3	5	to	to	PART
fsr-3471	3	6	investigate	investigate	VERB
fsr-3471	3	7	whether	whether	SCONJ
fsr-3471	3	8	financial	financial	ADJ
fsr-3471	3	9	planners	planner	NOUN
fsr-3471	3	10	practice	practice	VERB
fsr-3471	3	11	what	what	PRON
fsr-3471	3	12	they	they	PRON
fsr-3471	3	13	preach	preach	VERB
fsr-3471	3	14	.	.	PUNCT
fsr-3471	4	1	a	a	DET
fsr-3471	4	2	secondary	secondary	ADJ
fsr-3471	4	3	goal	goal	NOUN
fsr-3471	4	4	is	be	AUX
fsr-3471	4	5	to	to	PART
fsr-3471	4	6	identify	identify	VERB
fsr-3471	4	7	the	the	DET
fsr-3471	4	8	characteristics	characteristic	NOUN
fsr-3471	4	9	associated	associate	VERB
fsr-3471	4	10	with	with	ADP
fsr-3471	4	11	the	the	DET
fsr-3471	4	12	advisors	advisor	NOUN
fsr-3471	4	13	that	that	PRON
fsr-3471	4	14	best	good	ADJ
fsr-3471	4	15	plan	plan	VERB
fsr-3471	4	16	their	their	PRON
fsr-3471	4	17	own	own	ADJ
fsr-3471	4	18	financial	financial	ADJ
fsr-3471	4	19	lives	life	NOUN
fsr-3471	4	20	.	.	PUNCT
fsr-3471	5	1	we	we	PRON
fsr-3471	5	2	find	find	VERB
fsr-3471	5	3	that	that	SCONJ
fsr-3471	5	4	financial	financial	ADJ
fsr-3471	5	5	advisors	advisor	NOUN
fsr-3471	5	6	generally	generally	ADV
fsr-3471	5	7	follow	follow	VERB
fsr-3471	5	8	their	their	PRON
fsr-3471	5	9	own	own	ADJ
fsr-3471	5	10	advice	advice	NOUN
fsr-3471	5	11	;	;	PUNCT
fsr-3471	5	12	as	as	ADP
fsr-3471	5	13	a	a	DET
fsr-3471	5	14	group	group	NOUN
fsr-3471	5	15	they	they	PRON
fsr-3471	5	16	are	be	AUX
fsr-3471	5	17	more	more	ADV
fsr-3471	5	18	likely	likely	ADJ
fsr-3471	5	19	to	to	PART
fsr-3471	5	20	be	be	AUX
fsr-3471	5	21	prepared	prepare	VERB
fsr-3471	5	22	for	for	ADP
fsr-3471	5	23	retirement	retirement	NOUN
fsr-3471	5	24	,	,	PUNCT
fsr-3471	5	25	have	have	VERB
fsr-3471	5	26	less	less	ADJ
fsr-3471	5	27	debt	debt	NOUN
fsr-3471	5	28	,	,	PUNCT
fsr-3471	5	29	higher	high	ADJ
fsr-3471	5	30	liquidity	liquidity	NOUN
fsr-3471	5	31	,	,	PUNCT
fsr-3471	5	32	covered	cover	VERB
fsr-3471	5	33	insurance	insurance	NOUN
fsr-3471	5	34	needs	need	NOUN
fsr-3471	5	35	,	,	PUNCT
fsr-3471	5	36	and	and	CCONJ
fsr-3471	5	37	have	have	VERB
fsr-3471	5	38	an	an	DET
fsr-3471	5	39	estate	estate	NOUN
fsr-3471	5	40	plan	plan	NOUN
fsr-3471	5	41	in	in	ADP
fsr-3471	5	42	place	place	NOUN
fsr-3471	5	43	.	.	PUNCT
fsr-3471	6	1	©	©	ADP
fsr-3471	6	2	2022	2022	NUM
fsr-3471	6	3	academy	academy	NOUN
fsr-3471	6	4	of	of	ADP
fsr-3471	6	5	financial	financial	ADJ
fsr-3471	6	6	services	service	NOUN
fsr-3471	6	7	.	.	PUNCT
fsr-3471	7	1	all	all	DET
fsr-3471	7	2	rights	right	NOUN
fsr-3471	7	3	reserved	reserve	VERB
fsr-3471	7	4	.	.	PUNCT
fsr-3471	8	1	keywords	keyword	NOUN
fsr-3471	8	2	:	:	PUNCT
fsr-3471	8	3	financial	financial	ADJ
fsr-3471	8	4	advisors	advisor	NOUN
fsr-3471	8	5	;	;	PUNCT
fsr-3471	8	6	retirement	retirement	NOUN
fsr-3471	8	7	planning	planning	NOUN
fsr-3471	8	8	;	;	PUNCT
fsr-3471	8	9	investments	investment	NOUN
fsr-3471	8	10	;	;	PUNCT
fsr-3471	8	11	debt	debt	NOUN
fsr-3471	8	12	;	;	PUNCT
fsr-3471	8	13	estate	estate	NOUN
fsr-3471	8	14	planning	planning	NOUN
fsr-3471	8	15	1	1	NUM
fsr-3471	8	16	.	.	PUNCT
fsr-3471	8	17	introduction	introduction	NOUN
fsr-3471	8	18	and	and	CCONJ
fsr-3471	8	19	motivation	motivation	NOUN
fsr-3471	8	20	the	the	DET
fsr-3471	8	21	use	use	NOUN
fsr-3471	8	22	of	of	ADP
fsr-3471	8	23	financial	financial	ADJ
fsr-3471	8	24	advisors	advisor	NOUN
fsr-3471	8	25	has	have	AUX
fsr-3471	8	26	been	be	AUX
fsr-3471	8	27	associated	associate	VERB
fsr-3471	8	28	with	with	ADP
fsr-3471	8	29	better	well	ADJ
fsr-3471	8	30	preparedness	preparedness	NOUN
fsr-3471	8	31	for	for	ADP
fsr-3471	8	32	retirement	retirement	NOUN
fsr-3471	8	33	,	,	PUNCT
fsr-3471	8	34	higher	high	ADJ
fsr-3471	8	35	financial	financial	ADJ
fsr-3471	8	36	confidence	confidence	NOUN
fsr-3471	8	37	,	,	PUNCT
fsr-3471	8	38	and	and	CCONJ
fsr-3471	8	39	an	an	DET
fsr-3471	8	40	increased	increase	VERB
fsr-3471	8	41	sense	sense	NOUN
fsr-3471	8	42	of	of	ADP
fsr-3471	8	43	financial	financial	ADJ
fsr-3471	8	44	well	well	NOUN
fsr-3471	8	45	-	-	PUNCT
fsr-3471	8	46	being	being	NOUN
fsr-3471	8	47	.	.	PUNCT
fsr-3471	9	1	for	for	ADP
fsr-3471	9	2	example	example	NOUN
fsr-3471	9	3	,	,	PUNCT
fsr-3471	9	4	a	a	DET
fsr-3471	9	5	2014	2014	NUM
fsr-3471	9	6	survey	survey	NOUN
fsr-3471	9	7	conducted	conduct	VERB
fsr-3471	9	8	by	by	ADP
fsr-3471	9	9	the	the	DET
fsr-3471	9	10	insured	insure	VERB
fsr-3471	9	11	retirement	retirement	PROPN
fsr-3471	9	12	institute	institute	PROPN
fsr-3471	9	13	claims	claim	VERB
fsr-3471	9	14	that	that	SCONJ
fsr-3471	9	15	baby	baby	NOUN
fsr-3471	9	16	boomers	boomer	NOUN
fsr-3471	9	17	who	who	PRON
fsr-3471	9	18	use	use	VERB
fsr-3471	9	19	financial	financial	ADJ
fsr-3471	9	20	advisors	advisor	NOUN
fsr-3471	9	21	are	be	AUX
fsr-3471	9	22	twice	twice	ADV
fsr-3471	9	23	as	as	ADV
fsr-3471	9	24	likely	likely	ADJ
fsr-3471	9	25	to	to	PART
fsr-3471	9	26	feel	feel	VERB
fsr-3471	9	27	confident	confident	ADJ
fsr-3471	9	28	about	about	ADP
fsr-3471	9	29	their	their	PRON
fsr-3471	9	30	retirement	retirement	NOUN
fsr-3471	9	31	savings	saving	NOUN
fsr-3471	9	32	as	as	ADP
fsr-3471	9	33	those	those	PRON
fsr-3471	9	34	who	who	PRON
fsr-3471	9	35	do	do	AUX
fsr-3471	9	36	not	not	PART
fsr-3471	9	37	use	use	VERB
fsr-3471	9	38	an	an	DET
fsr-3471	9	39	advisor.1	advisor.1	NOUN
fsr-3471	9	40	a	a	DET
fsr-3471	9	41	strand	strand	NOUN
fsr-3471	9	42	of	of	ADP
fsr-3471	9	43	literature	literature	NOUN
fsr-3471	9	44	suggests	suggest	VERB
fsr-3471	9	45	that	that	SCONJ
fsr-3471	9	46	financial	financial	ADJ
fsr-3471	9	47	advisors	advisor	NOUN
fsr-3471	9	48	provide	provide	VERB
fsr-3471	9	49	value	value	NOUN
fsr-3471	9	50	to	to	ADP
fsr-3471	9	51	their	their	PRON
fsr-3471	9	52	clients	client	NOUN
fsr-3471	9	53	with	with	ADP
fsr-3471	9	54	regard	regard	NOUN
fsr-3471	9	55	to	to	ADP
fsr-3471	9	56	behavioral	behavioral	ADJ
fsr-3471	9	57	biases	bias	NOUN
fsr-3471	9	58	and	and	CCONJ
fsr-3471	9	59	investments	investment	NOUN
fsr-3471	9	60	.	.	PUNCT
fsr-3471	10	1	shapira	shapira	PROPN
fsr-3471	10	2	and	and	CCONJ
fsr-3471	10	3	venezia	venezia	PROPN
fsr-3471	10	4	(	(	PUNCT
fsr-3471	10	5	2001	2001	NUM
fsr-3471	10	6	)	)	PUNCT
fsr-3471	10	7	analyze	analyze	VERB
fsr-3471	10	8	investment	investment	NOUN
fsr-3471	10	9	patterns	pattern	NOUN
fsr-3471	10	10	of	of	ADP
fsr-3471	10	11	clients	client	NOUN
fsr-3471	10	12	of	of	ADP
fsr-3471	10	13	a	a	DET
fsr-3471	10	14	major	major	ADJ
fsr-3471	10	15	israeli	israeli	ADJ
fsr-3471	10	16	brokerage	brokerage	NOUN
fsr-3471	10	17	house	house	NOUN
fsr-3471	10	18	and	and	CCONJ
fsr-3471	10	19	compare	compare	VERB
fsr-3471	10	20	investment	investment	NOUN
fsr-3471	10	21	decisions	decision	NOUN
fsr-3471	10	22	of	of	ADP
fsr-3471	10	23	those	those	PRON
fsr-3471	10	24	making	make	VERB
fsr-3471	10	25	independent	independent	ADJ
fsr-3471	10	26	decisions	decision	NOUN
fsr-3471	10	27	to	to	ADP
fsr-3471	10	28	those	those	PRON
fsr-3471	10	29	managed	manage	VERB
fsr-3471	10	30	by	by	ADP
fsr-3471	10	31	professionals	professional	NOUN
fsr-3471	10	32	.	.	PUNCT
fsr-3471	11	1	they	they	PRON
fsr-3471	11	2	conclude	conclude	VERB
fsr-3471	11	3	corresponding	corresponding	ADJ
fsr-3471	11	4	author	author	NOUN
fsr-3471	11	5	:	:	PUNCT
fsr-3471	11	6	tel	tel	PROPN
fsr-3471	11	7	.	.	PUNCT
fsr-3471	11	8	:	:	PUNCT
fsr-3471	11	9	818	818	NUM
fsr-3471	11	10	-	-	SYM
fsr-3471	11	11	677	677	NUM
fsr-3471	11	12	-	-	SYM
fsr-3471	11	13	4615	4615	NUM
fsr-3471	11	14	;	;	PUNCT
fsr-3471	11	15	fax	fax	NOUN
fsr-3471	11	16	:	:	PUNCT
fsr-3471	11	17	818	818	NUM
fsr-3471	11	18	-	-	SYM
fsr-3471	11	19	677	677	NUM
fsr-3471	11	20	-	-	SYM
fsr-3471	11	21	6079	6079	NUM
fsr-3471	11	22	.	.	PUNCT
fsr-3471	12	1	e	e	X
fsr-3471	12	2	-	-	NOUN
fsr-3471	12	3	mail	mail	NOUN
fsr-3471	12	4	address	address	NOUN
fsr-3471	12	5	:	:	PUNCT
fsr-3471	12	6	inga.timmerman@csun.edu	inga.timmerman@csun.edu	PROPN
fsr-3471	12	7	1057	1057	NUM
fsr-3471	12	8	-	-	SYM
fsr-3471	12	9	0810/22/$	0810/22/$	NUM
fsr-3471	12	10	–	–	PUNCT
fsr-3471	12	11	see	see	VERB
fsr-3471	12	12	front	front	ADJ
fsr-3471	12	13	matter	matter	NOUN
fsr-3471	12	14	©	©	PROPN
fsr-3471	12	15	2022	2022	NUM
fsr-3471	12	16	academy	academy	NOUN
fsr-3471	12	17	of	of	ADP
fsr-3471	12	18	financial	financial	ADJ
fsr-3471	12	19	services	service	NOUN
fsr-3471	12	20	.	.	PUNCT
fsr-3471	13	1	all	all	DET
fsr-3471	13	2	rights	right	NOUN
fsr-3471	13	3	reserved	reserve	VERB
fsr-3471	13	4	.	.	PUNCT
fsr-3471	14	1	financial	financial	ADJ
fsr-3471	14	2	services	service	NOUN
fsr-3471	14	3	review	review	VERB
fsr-3471	14	4	30	30	NUM
fsr-3471	14	5	(	(	PUNCT
fsr-3471	14	6	2022	2022	NUM
fsr-3471	14	7	)	)	PUNCT
fsr-3471	14	8	57–68	57–68	NUM
fsr-3471	14	9	professional	professional	ADJ
fsr-3471	14	10	training	training	NOUN
fsr-3471	14	11	and	and	CCONJ
fsr-3471	14	12	experience	experience	NOUN
fsr-3471	14	13	may	may	AUX
fsr-3471	14	14	reduce	reduce	VERB
fsr-3471	14	15	judgmental	judgmental	ADJ
fsr-3471	14	16	biases	bias	NOUN
fsr-3471	14	17	,	,	PUNCT
fsr-3471	14	18	and	and	CCONJ
fsr-3471	14	19	that	that	SCONJ
fsr-3471	14	20	professionally	professionally	ADV
fsr-3471	14	21	managed	manage	VERB
fsr-3471	14	22	accounts	account	NOUN
fsr-3471	14	23	are	be	AUX
fsr-3471	14	24	more	more	ADV
fsr-3471	14	25	diversified	diversified	ADJ
fsr-3471	14	26	and	and	CCONJ
fsr-3471	14	27	less	less	ADV
fsr-3471	14	28	correlated	correlate	VERB
fsr-3471	14	29	with	with	ADP
fsr-3471	14	30	the	the	DET
fsr-3471	14	31	market	market	NOUN
fsr-3471	14	32	/	/	SYM
fsr-3471	14	33	more	more	ADV
fsr-3471	14	34	profitable	profitable	ADJ
fsr-3471	14	35	than	than	ADP
fsr-3471	14	36	those	those	PRON
fsr-3471	14	37	of	of	ADP
fsr-3471	14	38	independent	independent	ADJ
fsr-3471	14	39	accounts	account	NOUN
fsr-3471	14	40	.	.	PUNCT
fsr-3471	15	1	cici	cici	PROPN
fsr-3471	15	2	,	,	PUNCT
fsr-3471	15	3	kempf	kempf	NOUN
fsr-3471	15	4	,	,	PUNCT
fsr-3471	15	5	and	and	CCONJ
fsr-3471	15	6	sorhage	sorhage	NOUN
fsr-3471	15	7	(	(	PUNCT
fsr-3471	15	8	2017	2017	NUM
fsr-3471	15	9	)	)	PUNCT
fsr-3471	15	10	compare	compare	VERB
fsr-3471	15	11	the	the	DET
fsr-3471	15	12	taxavoidance	taxavoidance	NOUN
fsr-3471	15	13	behavior	behavior	NOUN
fsr-3471	15	14	of	of	ADP
fsr-3471	15	15	investors	investor	NOUN
fsr-3471	15	16	who	who	PRON
fsr-3471	15	17	operate	operate	VERB
fsr-3471	15	18	under	under	ADP
fsr-3471	15	19	the	the	DET
fsr-3471	15	20	guidance	guidance	NOUN
fsr-3471	15	21	of	of	ADP
fsr-3471	15	22	financial	financial	ADJ
fsr-3471	15	23	advisors	advisor	NOUN
fsr-3471	15	24	with	with	ADP
fsr-3471	15	25	investors	investor	NOUN
fsr-3471	15	26	who	who	PRON
fsr-3471	15	27	do	do	AUX
fsr-3471	15	28	not	not	PART
fsr-3471	15	29	have	have	VERB
fsr-3471	15	30	financial	financial	ADJ
fsr-3471	15	31	advisors	advisor	NOUN
fsr-3471	15	32	.	.	PUNCT
fsr-3471	16	1	they	they	PRON
fsr-3471	16	2	document	document	VERB
fsr-3471	16	3	tangible	tangible	ADJ
fsr-3471	16	4	benefits	benefit	NOUN
fsr-3471	16	5	in	in	ADP
fsr-3471	16	6	the	the	DET
fsr-3471	16	7	form	form	NOUN
fsr-3471	16	8	of	of	ADP
fsr-3471	16	9	useful	useful	ADJ
fsr-3471	16	10	tax	tax	NOUN
fsr-3471	16	11	-	-	PUNCT
fsr-3471	16	12	management	management	NOUN
fsr-3471	16	13	advisory	advisory	ADJ
fsr-3471	16	14	services	service	NOUN
fsr-3471	16	15	to	to	ADP
fsr-3471	16	16	mutual	mutual	ADJ
fsr-3471	16	17	fund	fund	NOUN
fsr-3471	16	18	investors	investor	NOUN
fsr-3471	16	19	,	,	PUNCT
fsr-3471	16	20	helping	help	VERB
fsr-3471	16	21	those	those	DET
fsr-3471	16	22	investors	investor	NOUN
fsr-3471	16	23	engage	engage	VERB
fsr-3471	16	24	in	in	ADP
fsr-3471	16	25	tax	tax	NOUN
fsr-3471	16	26	-	-	PUNCT
fsr-3471	16	27	avoidance	avoidance	NOUN
fsr-3471	16	28	strategies	strategy	NOUN
fsr-3471	16	29	such	such	ADJ
fsr-3471	16	30	as	as	ADP
fsr-3471	16	31	tax	tax	NOUN
fsr-3471	16	32	-	-	PUNCT
fsr-3471	16	33	loss	loss	NOUN
fsr-3471	16	34	selling	selling	NOUN
fsr-3471	16	35	.	.	PUNCT
fsr-3471	17	1	financial	financial	ADJ
fsr-3471	17	2	planners	planner	NOUN
fsr-3471	17	3	also	also	ADV
fsr-3471	17	4	help	help	VERB
fsr-3471	17	5	clients	client	NOUN
fsr-3471	17	6	match	match	VERB
fsr-3471	17	7	self	self	NOUN
fsr-3471	17	8	-	-	PUNCT
fsr-3471	17	9	indicated	indicate	VERB
fsr-3471	17	10	risk	risk	NOUN
fsr-3471	17	11	tolerance	tolerance	NOUN
fsr-3471	17	12	with	with	ADP
fsr-3471	17	13	ownership	ownership	NOUN
fsr-3471	17	14	of	of	ADP
fsr-3471	17	15	investment	investment	NOUN
fsr-3471	17	16	assets	asset	NOUN
fsr-3471	17	17	.	.	PUNCT
fsr-3471	18	1	park	park	NOUN
fsr-3471	18	2	and	and	CCONJ
fsr-3471	18	3	yao	yao	PROPN
fsr-3471	18	4	(	(	PUNCT
fsr-3471	18	5	2016	2016	NUM
fsr-3471	18	6	)	)	PUNCT
fsr-3471	18	7	suggest	suggest	VERB
fsr-3471	18	8	that	that	SCONJ
fsr-3471	18	9	financial	financial	ADJ
fsr-3471	18	10	planners	planner	NOUN
fsr-3471	18	11	provide	provide	VERB
fsr-3471	18	12	significant	significant	ADJ
fsr-3471	18	13	value	value	NOUN
fsr-3471	18	14	to	to	ADP
fsr-3471	18	15	households	household	NOUN
fsr-3471	18	16	on	on	ADP
fsr-3471	18	17	the	the	DET
fsr-3471	18	18	consistency	consistency	NOUN
fsr-3471	18	19	of	of	ADP
fsr-3471	18	20	their	their	PRON
fsr-3471	18	21	financial	financial	ADJ
fsr-3471	18	22	risk	risk	NOUN
fsr-3471	18	23	attitude	attitude	NOUN
fsr-3471	18	24	and	and	CCONJ
fsr-3471	18	25	behavior	behavior	NOUN
fsr-3471	18	26	.	.	PUNCT
fsr-3471	19	1	park	park	NOUN
fsr-3471	19	2	and	and	CCONJ
fsr-3471	19	3	yao	yao	PROPN
fsr-3471	19	4	(	(	PUNCT
fsr-3471	19	5	2016	2016	NUM
fsr-3471	19	6	)	)	PUNCT
fsr-3471	19	7	find	find	VERB
fsr-3471	19	8	that	that	SCONJ
fsr-3471	19	9	financial	financial	ADJ
fsr-3471	19	10	planners	planner	NOUN
fsr-3471	19	11	provide	provide	VERB
fsr-3471	19	12	significant	significant	ADJ
fsr-3471	19	13	value	value	NOUN
fsr-3471	19	14	to	to	ADP
fsr-3471	19	15	households	household	NOUN
fsr-3471	19	16	by	by	ADP
fsr-3471	19	17	matching	match	VERB
fsr-3471	19	18	financial	financial	ADJ
fsr-3471	19	19	risk	risk	NOUN
fsr-3471	19	20	attitude	attitude	NOUN
fsr-3471	19	21	to	to	ADP
fsr-3471	19	22	actual	actual	ADJ
fsr-3471	19	23	savings	saving	NOUN
fsr-3471	19	24	and	and	CCONJ
fsr-3471	19	25	investments	investment	NOUN
fsr-3471	19	26	behavior	behavior	NOUN
fsr-3471	19	27	.	.	PUNCT
fsr-3471	20	1	in	in	ADP
fsr-3471	20	2	addition	addition	NOUN
fsr-3471	20	3	,	,	PUNCT
fsr-3471	20	4	professional	professional	ADJ
fsr-3471	20	5	financial	financial	ADJ
fsr-3471	20	6	planners	planner	NOUN
fsr-3471	20	7	can	can	AUX
fsr-3471	20	8	still	still	ADV
fsr-3471	20	9	benefit	benefit	VERB
fsr-3471	20	10	from	from	ADP
fsr-3471	20	11	a	a	DET
fsr-3471	20	12	third	third	ADJ
fsr-3471	20	13	-	-	PUNCT
fsr-3471	20	14	party	party	NOUN
fsr-3471	20	15	assessment	assessment	NOUN
fsr-3471	20	16	to	to	PART
fsr-3471	20	17	provide	provide	VERB
fsr-3471	20	18	more	more	ADJ
fsr-3471	20	19	objective	objective	ADJ
fsr-3471	20	20	recommendations	recommendation	NOUN
fsr-3471	20	21	on	on	ADP
fsr-3471	20	22	personal	personal	ADJ
fsr-3471	20	23	financial	financial	ADJ
fsr-3471	20	24	planning	planning	NOUN
fsr-3471	20	25	or	or	CCONJ
fsr-3471	20	26	to	to	ADP
fsr-3471	20	27	de	de	ADJ
fsr-3471	20	28	-	-	NOUN
fsr-3471	20	29	bias	bias	ADJ
fsr-3471	20	30	behavioral	behavioral	ADJ
fsr-3471	20	31	issues	issue	NOUN
fsr-3471	20	32	.	.	PUNCT
fsr-3471	21	1	common	common	ADJ
fsr-3471	21	2	behavioral	behavioral	ADJ
fsr-3471	21	3	biases	bias	NOUN
fsr-3471	21	4	include	include	VERB
fsr-3471	21	5	under	under	ADJ
fsr-3471	21	6	-	-	PUNCT
fsr-3471	21	7	diversification	diversification	NOUN
fsr-3471	21	8	,	,	PUNCT
fsr-3471	21	9	local	local	ADJ
fsr-3471	21	10	and	and	CCONJ
fsr-3471	21	11	home	home	NOUN
fsr-3471	21	12	bias	bias	NOUN
fsr-3471	21	13	,	,	PUNCT
fsr-3471	21	14	and	and	CCONJ
fsr-3471	21	15	the	the	DET
fsr-3471	21	16	disposition	disposition	NOUN
fsr-3471	21	17	effect.2	effect.2	PROPN
fsr-3471	21	18	for	for	ADP
fsr-3471	21	19	instance	instance	NOUN
fsr-3471	21	20	,	,	PUNCT
fsr-3471	21	21	seasholes	seashole	NOUN
fsr-3471	21	22	and	and	CCONJ
fsr-3471	21	23	zhu	zhu	PROPN
fsr-3471	21	24	(	(	PUNCT
fsr-3471	21	25	2010	2010	NUM
fsr-3471	21	26	)	)	PUNCT
fsr-3471	21	27	point	point	VERB
fsr-3471	21	28	out	out	ADP
fsr-3471	21	29	that	that	SCONJ
fsr-3471	21	30	investors	investor	NOUN
fsr-3471	21	31	who	who	PRON
fsr-3471	21	32	demonstrate	demonstrate	VERB
fsr-3471	21	33	local	local	ADJ
fsr-3471	21	34	stock	stock	NOUN
fsr-3471	21	35	bias	bias	NOUN
fsr-3471	21	36	do	do	AUX
fsr-3471	21	37	not	not	PART
fsr-3471	21	38	earn	earn	VERB
fsr-3471	21	39	superior	superior	ADJ
fsr-3471	21	40	returns	return	NOUN
fsr-3471	21	41	,	,	PUNCT
fsr-3471	21	42	and	and	CCONJ
fsr-3471	21	43	.	.	PUNCT
fsr-3471	22	1	hoechle	hoechle	PROPN
fsr-3471	22	2	et	et	PROPN
fsr-3471	22	3	al	al	PROPN
fsr-3471	22	4	(	(	PUNCT
fsr-3471	22	5	2017	2017	NUM
fsr-3471	22	6	)	)	PUNCT
fsr-3471	22	7	find	find	VERB
fsr-3471	22	8	that	that	SCONJ
fsr-3471	22	9	financial	financial	ADJ
fsr-3471	22	10	planners	planner	NOUN
fsr-3471	22	11	help	help	VERB
fsr-3471	22	12	better	well	ADJ
fsr-3471	22	13	diversify	diversify	VERB
fsr-3471	22	14	portfolios	portfolio	NOUN
fsr-3471	22	15	and	and	CCONJ
fsr-3471	22	16	reduce	reduce	VERB
fsr-3471	22	17	local	local	ADJ
fsr-3471	22	18	bias	bias	NOUN
fsr-3471	22	19	.	.	PUNCT
fsr-3471	23	1	at	at	ADP
fsr-3471	23	2	the	the	DET
fsr-3471	23	3	same	same	ADJ
fsr-3471	23	4	time	time	NOUN
fsr-3471	23	5	,	,	PUNCT
fsr-3471	23	6	another	another	DET
fsr-3471	23	7	strand	strand	NOUN
fsr-3471	23	8	of	of	ADP
fsr-3471	23	9	literature	literature	NOUN
fsr-3471	23	10	questions	question	NOUN
fsr-3471	23	11	the	the	DET
fsr-3471	23	12	effectiveness	effectiveness	NOUN
fsr-3471	23	13	of	of	ADP
fsr-3471	23	14	financial	financial	ADJ
fsr-3471	23	15	advisors	advisor	NOUN
fsr-3471	23	16	to	to	PART
fsr-3471	23	17	bring	bring	VERB
fsr-3471	23	18	value	value	NOUN
fsr-3471	23	19	.	.	PUNCT
fsr-3471	24	1	this	this	PRON
fsr-3471	24	2	could	could	AUX
fsr-3471	24	3	be	be	AUX
fsr-3471	24	4	explained	explain	VERB
fsr-3471	24	5	by	by	ADP
fsr-3471	24	6	the	the	DET
fsr-3471	24	7	agency	agency	NOUN
fsr-3471	24	8	problem	problem	NOUN
fsr-3471	24	9	;	;	PUNCT
fsr-3471	24	10	the	the	DET
fsr-3471	24	11	inherent	inherent	ADJ
fsr-3471	24	12	conflict	conflict	NOUN
fsr-3471	24	13	of	of	ADP
fsr-3471	24	14	interest	interest	NOUN
fsr-3471	24	15	in	in	ADP
fsr-3471	24	16	the	the	DET
fsr-3471	24	17	advisor	advisor	NOUN
fsr-3471	24	18	-	-	PUNCT
fsr-3471	24	19	client	client	NOUN
fsr-3471	24	20	relationship	relationship	NOUN
fsr-3471	24	21	that	that	PRON
fsr-3471	24	22	makes	make	VERB
fsr-3471	24	23	it	it	PRON
fsr-3471	24	24	hard	hard	ADJ
fsr-3471	24	25	for	for	SCONJ
fsr-3471	24	26	the	the	DET
fsr-3471	24	27	advisor	advisor	NOUN
fsr-3471	24	28	to	to	PART
fsr-3471	24	29	align	align	VERB
fsr-3471	24	30	her	her	PRON
fsr-3471	24	31	interests	interest	NOUN
fsr-3471	24	32	with	with	ADP
fsr-3471	24	33	the	the	DET
fsr-3471	24	34	client	client	NOUN
fsr-3471	24	35	.	.	PUNCT
fsr-3471	25	1	although	although	SCONJ
fsr-3471	25	2	advisors	advisor	NOUN
fsr-3471	25	3	should	should	AUX
fsr-3471	25	4	act	act	VERB
fsr-3471	25	5	in	in	ADP
fsr-3471	25	6	the	the	DET
fsr-3471	25	7	client	client	NOUN
fsr-3471	25	8	’s	’s	PART
fsr-3471	25	9	best	good	ADJ
fsr-3471	25	10	interest	interest	NOUN
fsr-3471	25	11	,	,	PUNCT
fsr-3471	25	12	some	some	DET
fsr-3471	25	13	research	research	NOUN
fsr-3471	25	14	questions	question	NOUN
fsr-3471	25	15	advisor	advisor	NOUN
fsr-3471	25	16	motivations	motivation	NOUN
fsr-3471	25	17	.	.	PUNCT
fsr-3471	26	1	for	for	ADP
fsr-3471	26	2	example	example	NOUN
fsr-3471	26	3	,	,	PUNCT
fsr-3471	26	4	hackethal	hackethal	NOUN
fsr-3471	26	5	,	,	PUNCT
fsr-3471	26	6	haliassos	haliassos	NOUN
fsr-3471	26	7	,	,	PUNCT
fsr-3471	26	8	and	and	CCONJ
fsr-3471	26	9	jappelli	jappelli	PROPN
fsr-3471	26	10	(	(	PUNCT
fsr-3471	26	11	2012	2012	NUM
fsr-3471	26	12	)	)	PUNCT
fsr-3471	26	13	point	point	VERB
fsr-3471	26	14	out	out	ADP
fsr-3471	26	15	that	that	SCONJ
fsr-3471	26	16	advisors	advisor	NOUN
fsr-3471	26	17	with	with	ADP
fsr-3471	26	18	commission	commission	NOUN
fsr-3471	26	19	-	-	PUNCT
fsr-3471	26	20	based	base	VERB
fsr-3471	26	21	incomes	income	NOUN
fsr-3471	26	22	prefer	prefer	VERB
fsr-3471	26	23	to	to	PART
fsr-3471	26	24	devote	devote	VERB
fsr-3471	26	25	time	time	NOUN
fsr-3471	26	26	to	to	ADP
fsr-3471	26	27	customers	customer	NOUN
fsr-3471	26	28	likely	likely	ADJ
fsr-3471	26	29	to	to	PART
fsr-3471	26	30	trade	trade	VERB
fsr-3471	26	31	on	on	ADP
fsr-3471	26	32	a	a	DET
fsr-3471	26	33	bigger	big	ADJ
fsr-3471	26	34	scale	scale	NOUN
fsr-3471	26	35	.	.	PUNCT
fsr-3471	27	1	mullainathan	mullainathan	PROPN
fsr-3471	27	2	,	,	PUNCT
fsr-3471	27	3	noeth	noeth	NOUN
fsr-3471	27	4	,	,	PUNCT
fsr-3471	27	5	and	and	CCONJ
fsr-3471	27	6	schoar	schoar	PROPN
fsr-3471	27	7	(	(	PUNCT
fsr-3471	27	8	2012	2012	NUM
fsr-3471	27	9	)	)	PUNCT
fsr-3471	27	10	show	show	VERB
fsr-3471	27	11	that	that	SCONJ
fsr-3471	27	12	advisors	advisor	NOUN
fsr-3471	27	13	fail	fail	VERB
fsr-3471	27	14	to	to	PART
fsr-3471	27	15	de	de	NOUN
fsr-3471	27	16	-	-	NOUN
fsr-3471	27	17	bias	bias	VERB
fsr-3471	27	18	their	their	PRON
fsr-3471	27	19	clients	client	NOUN
fsr-3471	27	20	and	and	CCONJ
fsr-3471	27	21	often	often	ADV
fsr-3471	27	22	reinforce	reinforce	VERB
fsr-3471	27	23	biases	bias	NOUN
fsr-3471	27	24	that	that	PRON
fsr-3471	27	25	are	be	AUX
fsr-3471	27	26	in	in	ADP
fsr-3471	27	27	their	their	PRON
fsr-3471	27	28	interests	interest	NOUN
fsr-3471	27	29	.	.	PUNCT
fsr-3471	28	1	they	they	PRON
fsr-3471	28	2	also	also	ADV
fsr-3471	28	3	find	find	VERB
fsr-3471	28	4	that	that	SCONJ
fsr-3471	28	5	advisors	advisor	NOUN
fsr-3471	28	6	encourage	encourage	VERB
fsr-3471	28	7	return	return	NOUN
fsr-3471	28	8	-	-	PUNCT
fsr-3471	28	9	chasing	chase	VERB
fsr-3471	28	10	behavior	behavior	NOUN
fsr-3471	28	11	and	and	CCONJ
fsr-3471	28	12	push	push	VERB
fsr-3471	28	13	for	for	ADP
fsr-3471	28	14	actively	actively	ADV
fsr-3471	28	15	managed	manage	VERB
fsr-3471	28	16	funds	fund	NOUN
fsr-3471	28	17	that	that	PRON
fsr-3471	28	18	have	have	VERB
fsr-3471	28	19	higher	high	ADJ
fsr-3471	28	20	fees	fee	NOUN
fsr-3471	28	21	,	,	PUNCT
fsr-3471	28	22	even	even	ADV
fsr-3471	28	23	if	if	SCONJ
fsr-3471	28	24	the	the	DET
fsr-3471	28	25	client	client	NOUN
fsr-3471	28	26	starts	start	VERB
fsr-3471	28	27	with	with	ADP
fsr-3471	28	28	a	a	DET
fsr-3471	28	29	well	well	ADV
fsr-3471	28	30	-	-	PUNCT
fsr-3471	28	31	diversified	diversified	ADJ
fsr-3471	28	32	,	,	PUNCT
fsr-3471	28	33	low	low	ADJ
fsr-3471	28	34	-	-	PUNCT
fsr-3471	28	35	fee	fee	NOUN
fsr-3471	28	36	portfolio	portfolio	NOUN
fsr-3471	28	37	.	.	PUNCT
fsr-3471	29	1	hoechle	hoechle	PROPN
fsr-3471	29	2	et	et	PROPN
fsr-3471	30	1	al	al	PROPN
fsr-3471	30	2	.	.	PROPN
fsr-3471	31	1	(	(	PUNCT
fsr-3471	31	2	2017	2017	NUM
fsr-3471	31	3	)	)	PUNCT
fsr-3471	31	4	examine	examine	VERB
fsr-3471	31	5	the	the	DET
fsr-3471	31	6	performance	performance	NOUN
fsr-3471	31	7	of	of	ADP
fsr-3471	31	8	advised	advised	ADJ
fsr-3471	31	9	and	and	CCONJ
fsr-3471	31	10	independent	independent	ADJ
fsr-3471	31	11	trades	trade	NOUN
fsr-3471	31	12	by	by	ADP
fsr-3471	31	13	comparing	compare	VERB
fsr-3471	31	14	them	they	PRON
fsr-3471	31	15	trade	trade	NOUN
fsr-3471	31	16	-	-	PUNCT
fsr-3471	31	17	by	by	ADP
fsr-3471	31	18	-	-	PUNCT
fsr-3471	31	19	trade	trade	NOUN
fsr-3471	31	20	with	with	ADP
fsr-3471	31	21	in	in	ADP
fsr-3471	31	22	-	-	PUNCT
fsr-3471	31	23	person	person	NOUN
fsr-3471	31	24	analysis	analysis	NOUN
fsr-3471	31	25	.	.	PUNCT
fsr-3471	32	1	they	they	PRON
fsr-3471	32	2	conclude	conclude	VERB
fsr-3471	32	3	financial	financial	ADJ
fsr-3471	32	4	planners	planner	NOUN
fsr-3471	32	5	help	help	VERB
fsr-3471	32	6	reduce	reduce	VERB
fsr-3471	32	7	the	the	DET
fsr-3471	32	8	behavioral	behavioral	ADJ
fsr-3471	32	9	biases	bias	NOUN
fsr-3471	32	10	to	to	PART
fsr-3471	32	11	which	which	PRON
fsr-3471	32	12	retail	retail	ADJ
fsr-3471	32	13	investors	investor	NOUN
fsr-3471	32	14	are	be	AUX
fsr-3471	32	15	subject	subject	ADJ
fsr-3471	32	16	,	,	PUNCT
fsr-3471	32	17	but	but	CCONJ
fsr-3471	32	18	that	that	PRON
fsr-3471	32	19	advised	advise	VERB
fsr-3471	32	20	trades	trade	NOUN
fsr-3471	32	21	still	still	ADV
fsr-3471	32	22	perform	perform	VERB
fsr-3471	32	23	worse	bad	ADJ
fsr-3471	32	24	than	than	ADP
fsr-3471	32	25	independent	independent	ADJ
fsr-3471	32	26	trades	trade	NOUN
fsr-3471	32	27	.	.	PUNCT
fsr-3471	33	1	similarly	similarly	ADV
fsr-3471	33	2	,	,	PUNCT
fsr-3471	33	3	chalmers	chalmer	NOUN
fsr-3471	33	4	and	and	CCONJ
fsr-3471	33	5	reuter	reuter	PROPN
fsr-3471	33	6	(	(	PUNCT
fsr-3471	33	7	2020	2020	NUM
fsr-3471	33	8	)	)	PUNCT
fsr-3471	33	9	use	use	VERB
fsr-3471	33	10	changes	change	NOUN
fsr-3471	33	11	in	in	ADP
fsr-3471	33	12	retirement	retirement	NOUN
fsr-3471	33	13	plans	plan	NOUN
fsr-3471	33	14	to	to	PART
fsr-3471	33	15	examine	examine	VERB
fsr-3471	33	16	the	the	DET
fsr-3471	33	17	choice	choice	NOUN
fsr-3471	33	18	between	between	ADP
fsr-3471	33	19	broker	broker	NOUN
fsr-3471	33	20	advice	advice	NOUN
fsr-3471	33	21	and	and	CCONJ
fsr-3471	33	22	target	target	NOUN
fsr-3471	33	23	date	date	NOUN
fsr-3471	33	24	funds	fund	NOUN
fsr-3471	33	25	.	.	PUNCT
fsr-3471	34	1	they	they	PRON
fsr-3471	34	2	find	find	VERB
fsr-3471	34	3	that	that	SCONJ
fsr-3471	34	4	brokers	broker	NOUN
fsr-3471	34	5	recommend	recommend	VERB
fsr-3471	34	6	higher	high	ADJ
fsr-3471	34	7	-	-	PUNCT
fsr-3471	34	8	commission	commission	NOUN
fsr-3471	34	9	options	option	NOUN
fsr-3471	34	10	and	and	CCONJ
fsr-3471	34	11	that	that	SCONJ
fsr-3471	34	12	investors	investor	NOUN
fsr-3471	34	13	most	most	ADV
fsr-3471	34	14	worried	worried	ADJ
fsr-3471	34	15	about	about	ADP
fsr-3471	34	16	bear	bear	NOUN
fsr-3471	34	17	market	market	NOUN
fsr-3471	34	18	risk	risk	NOUN
fsr-3471	34	19	will	will	AUX
fsr-3471	34	20	invest	invest	VERB
fsr-3471	34	21	in	in	ADP
fsr-3471	34	22	target	target	NOUN
fsr-3471	34	23	date	date	NOUN
fsr-3471	34	24	funds	fund	NOUN
fsr-3471	34	25	when	when	SCONJ
fsr-3471	34	26	available	available	ADJ
fsr-3471	34	27	,	,	PUNCT
fsr-3471	34	28	with	with	ADP
fsr-3471	34	29	better	well	ADJ
fsr-3471	34	30	outcomes	outcome	NOUN
fsr-3471	34	31	than	than	ADP
fsr-3471	34	32	the	the	DET
fsr-3471	34	33	broker	broker	NOUN
fsr-3471	34	34	-	-	PUNCT
fsr-3471	34	35	advised	advise	VERB
fsr-3471	34	36	portfolios	portfolio	NOUN
fsr-3471	34	37	.	.	PUNCT
fsr-3471	35	1	a	a	DET
fsr-3471	35	2	2013	2013	NUM
fsr-3471	35	3	survey	survey	NOUN
fsr-3471	35	4	from	from	ADP
fsr-3471	35	5	the	the	DET
fsr-3471	35	6	society	society	NOUN
fsr-3471	35	7	of	of	ADP
fsr-3471	35	8	actuaries	actuary	NOUN
fsr-3471	35	9	shows	show	VERB
fsr-3471	35	10	that	that	SCONJ
fsr-3471	35	11	52	52	NUM
fsr-3471	35	12	%	%	NOUN
fsr-3471	35	13	of	of	ADP
fsr-3471	35	14	pre	pre	NOUN
fsr-3471	35	15	-	-	NOUN
fsr-3471	35	16	retirees	retiree	NOUN
fsr-3471	35	17	and	and	CCONJ
fsr-3471	35	18	44	44	NUM
fsr-3471	35	19	%	%	NOUN
fsr-3471	35	20	of	of	ADP
fsr-3471	35	21	retirees	retiree	NOUN
fsr-3471	35	22	consult	consult	VERB
fsr-3471	35	23	with	with	ADP
fsr-3471	35	24	a	a	DET
fsr-3471	35	25	financial	financial	ADJ
fsr-3471	35	26	advisor.3	advisor.3	PROPN
fsr-3471	35	27	alyousif	alyousif	NOUN
fsr-3471	35	28	and	and	CCONJ
fsr-3471	35	29	kalenkoski	kalenkoski	ADJ
fsr-3471	35	30	(	(	PUNCT
fsr-3471	35	31	2017	2017	NUM
fsr-3471	35	32	)	)	PUNCT
fsr-3471	35	33	examine	examine	VERB
fsr-3471	35	34	five	five	NUM
fsr-3471	35	35	types	type	NOUN
fsr-3471	35	36	of	of	ADP
fsr-3471	35	37	financial	financial	ADJ
fsr-3471	35	38	advice	advice	NOUN
fsr-3471	35	39	sought	seek	VERB
fsr-3471	35	40	by	by	ADP
fsr-3471	35	41	the	the	DET
fsr-3471	35	42	general	general	ADJ
fsr-3471	35	43	population	population	NOUN
fsr-3471	35	44	:	:	PUNCT
fsr-3471	35	45	debt	debt	NOUN
fsr-3471	35	46	counseling	counseling	NOUN
fsr-3471	35	47	,	,	PUNCT
fsr-3471	35	48	saving	saving	NOUN
fsr-3471	35	49	/	/	SYM
fsr-3471	35	50	investment	investment	NOUN
fsr-3471	35	51	,	,	PUNCT
fsr-3471	35	52	mortgage	mortgage	NOUN
fsr-3471	35	53	/	/	SYM
fsr-3471	35	54	loans	loan	NOUN
fsr-3471	35	55	,	,	PUNCT
fsr-3471	35	56	insurance	insurance	NOUN
fsr-3471	35	57	,	,	PUNCT
fsr-3471	35	58	and	and	CCONJ
fsr-3471	35	59	tax	tax	NOUN
fsr-3471	35	60	planning	planning	NOUN
fsr-3471	35	61	.	.	PUNCT
fsr-3471	36	1	they	they	PRON
fsr-3471	36	2	find	find	VERB
fsr-3471	36	3	no	no	DET
fsr-3471	36	4	significant	significant	ADJ
fsr-3471	36	5	differences	difference	NOUN
fsr-3471	36	6	across	across	ADP
fsr-3471	36	7	subsamples	subsample	NOUN
fsr-3471	36	8	defined	define	VERB
fsr-3471	36	9	by	by	ADP
fsr-3471	36	10	gender	gender	NOUN
fsr-3471	36	11	,	,	PUNCT
fsr-3471	36	12	age	age	NOUN
fsr-3471	36	13	,	,	PUNCT
fsr-3471	36	14	and	and	CCONJ
fsr-3471	36	15	financial	financial	ADJ
fsr-3471	36	16	literacy	literacy	NOUN
fsr-3471	36	17	and	and	CCONJ
fsr-3471	36	18	that	that	SCONJ
fsr-3471	36	19	income	income	NOUN
fsr-3471	36	20	and	and	CCONJ
fsr-3471	36	21	risk	risk	NOUN
fsr-3471	36	22	tolerance	tolerance	NOUN
fsr-3471	36	23	are	be	AUX
fsr-3471	36	24	positively	positively	ADV
fsr-3471	36	25	related	relate	VERB
fsr-3471	36	26	to	to	AUX
fsr-3471	36	27	demand	demand	VERB
fsr-3471	36	28	for	for	ADP
fsr-3471	36	29	financial	financial	ADJ
fsr-3471	36	30	advice	advice	NOUN
fsr-3471	36	31	.	.	PUNCT
fsr-3471	37	1	they	they	PRON
fsr-3471	37	2	also	also	ADV
fsr-3471	37	3	find	find	VERB
fsr-3471	37	4	that	that	SCONJ
fsr-3471	37	5	low	low	ADJ
fsr-3471	37	6	awareness	awareness	NOUN
fsr-3471	37	7	of	of	ADP
fsr-3471	37	8	financial	financial	ADJ
fsr-3471	37	9	knowledge	knowledge	NOUN
fsr-3471	37	10	,	,	PUNCT
fsr-3471	37	11	perhaps	perhaps	ADV
fsr-3471	37	12	a	a	DET
fsr-3471	37	13	proxy	proxy	NOUN
fsr-3471	37	14	for	for	ADP
fsr-3471	37	15	self	self	NOUN
fsr-3471	37	16	-	-	PUNCT
fsr-3471	37	17	confidence	confidence	NOUN
fsr-3471	37	18	,	,	PUNCT
fsr-3471	37	19	and	and	CCONJ
fsr-3471	37	20	financial	financial	ADJ
fsr-3471	37	21	fragility	fragility	NOUN
fsr-3471	37	22	decrease	decrease	VERB
fsr-3471	37	23	the	the	DET
fsr-3471	37	24	probability	probability	NOUN
fsr-3471	37	25	of	of	ADP
fsr-3471	37	26	seeking	seek	VERB
fsr-3471	37	27	financial	financial	ADJ
fsr-3471	37	28	advice	advice	NOUN
fsr-3471	37	29	.	.	PUNCT
fsr-3471	38	1	58	58	NUM
fsr-3471	38	2	n.	n.	NOUN
fsr-3471	38	3	azamian	azamian	PROPN
fsr-3471	38	4	et	et	PROPN
fsr-3471	38	5	al	al	PROPN
fsr-3471	38	6	.	.	PUNCT
fsr-3471	38	7	/	/	SYM
fsr-3471	38	8	financial	financial	ADJ
fsr-3471	38	9	services	service	NOUN
fsr-3471	38	10	review	review	VERB
fsr-3471	38	11	30	30	NUM
fsr-3471	38	12	(	(	PUNCT
fsr-3471	38	13	2022	2022	NUM
fsr-3471	38	14	)	)	PUNCT
fsr-3471	38	15	57–68	57–68	NUM
fsr-3471	38	16	overall	overall	ADJ
fsr-3471	38	17	,	,	PUNCT
fsr-3471	38	18	financial	financial	ADJ
fsr-3471	38	19	literacy	literacy	NOUN
fsr-3471	38	20	is	be	AUX
fsr-3471	38	21	found	find	VERB
fsr-3471	38	22	to	to	PART
fsr-3471	38	23	have	have	VERB
fsr-3471	38	24	a	a	DET
fsr-3471	38	25	significant	significant	ADJ
fsr-3471	38	26	impact	impact	NOUN
fsr-3471	38	27	on	on	ADP
fsr-3471	38	28	portfolio	portfolio	NOUN
fsr-3471	38	29	diversification	diversification	NOUN
fsr-3471	38	30	and	and	CCONJ
fsr-3471	38	31	investment	investment	NOUN
fsr-3471	38	32	outcomes	outcome	NOUN
fsr-3471	38	33	.	.	PUNCT
fsr-3471	39	1	a	a	DET
fsr-3471	39	2	high	high	ADJ
fsr-3471	39	3	degree	degree	NOUN
fsr-3471	39	4	of	of	ADP
fsr-3471	39	5	financial	financial	ADJ
fsr-3471	39	6	literacy	literacy	NOUN
fsr-3471	39	7	increases	increase	VERB
fsr-3471	39	8	the	the	DET
fsr-3471	39	9	usage	usage	NOUN
fsr-3471	39	10	of	of	ADP
fsr-3471	39	11	financial	financial	ADJ
fsr-3471	39	12	planning	planning	NOUN
fsr-3471	39	13	services	service	NOUN
fsr-3471	39	14	,	,	PUNCT
fsr-3471	39	15	although	although	SCONJ
fsr-3471	39	16	investors	investor	NOUN
fsr-3471	39	17	who	who	PRON
fsr-3471	39	18	seek	seek	VERB
fsr-3471	39	19	advice	advice	NOUN
fsr-3471	39	20	may	may	AUX
fsr-3471	39	21	not	not	PART
fsr-3471	39	22	strictly	strictly	ADV
fsr-3471	39	23	follow	follow	VERB
fsr-3471	39	24	guidance	guidance	NOUN
fsr-3471	39	25	and	and	CCONJ
fsr-3471	39	26	therefore	therefore	ADV
fsr-3471	39	27	do	do	AUX
fsr-3471	39	28	not	not	PART
fsr-3471	39	29	improve	improve	VERB
fsr-3471	39	30	their	their	PRON
fsr-3471	39	31	portfolio	portfolio	NOUN
fsr-3471	39	32	efficiency	efficiency	NOUN
fsr-3471	39	33	.	.	PUNCT
fsr-3471	40	1	von	von	PROPN
fsr-3471	40	2	gaudecker	gaudecker	PROPN
fsr-3471	40	3	(	(	PUNCT
fsr-3471	40	4	2015	2015	NUM
fsr-3471	40	5	)	)	PUNCT
fsr-3471	40	6	examines	examine	VERB
fsr-3471	40	7	portfolio	portfolio	NOUN
fsr-3471	40	8	diversification	diversification	NOUN
fsr-3471	40	9	and	and	CCONJ
fsr-3471	40	10	finds	find	VERB
fsr-3471	40	11	a	a	DET
fsr-3471	40	12	significant	significant	ADJ
fsr-3471	40	13	relationship	relationship	NOUN
fsr-3471	40	14	between	between	ADP
fsr-3471	40	15	good	good	ADJ
fsr-3471	40	16	investment	investment	NOUN
fsr-3471	40	17	outcomes	outcome	NOUN
fsr-3471	40	18	and	and	CCONJ
fsr-3471	40	19	financial	financial	ADJ
fsr-3471	40	20	literacy	literacy	NOUN
fsr-3471	40	21	and/or	and/or	CCONJ
fsr-3471	40	22	reliance	reliance	NOUN
fsr-3471	40	23	on	on	ADP
fsr-3471	40	24	professional	professional	ADJ
fsr-3471	40	25	financial	financial	ADJ
fsr-3471	40	26	advice	advice	NOUN
fsr-3471	40	27	.	.	PUNCT
fsr-3471	41	1	compared	compare	VERB
fsr-3471	41	2	with	with	ADP
fsr-3471	41	3	those	those	DET
fsr-3471	41	4	groups	group	NOUN
fsr-3471	41	5	,	,	PUNCT
fsr-3471	41	6	households	household	NOUN
fsr-3471	41	7	with	with	ADP
fsr-3471	41	8	below	below	ADP
fsr-3471	41	9	-	-	PUNCT
fsr-3471	41	10	median	median	NOUN
fsr-3471	41	11	financial	financial	ADJ
fsr-3471	41	12	literacy	literacy	NOUN
fsr-3471	41	13	that	that	PRON
fsr-3471	41	14	trust	trust	VERB
fsr-3471	41	15	their	their	PRON
fsr-3471	41	16	own	own	ADJ
fsr-3471	41	17	decision	decision	NOUN
fsr-3471	41	18	-	-	PUNCT
fsr-3471	41	19	making	make	VERB
fsr-3471	41	20	capabilities	capability	NOUN
fsr-3471	41	21	underperform	underperform	NOUN
fsr-3471	41	22	those	those	PRON
fsr-3471	41	23	who	who	PRON
fsr-3471	41	24	do	do	VERB
fsr-3471	41	25	not	not	PART
fsr-3471	41	26	.	.	PUNCT
fsr-3471	42	1	calcagno	calcagno	NOUN
fsr-3471	42	2	and	and	CCONJ
fsr-3471	42	3	monticone	monticone	NOUN
fsr-3471	42	4	(	(	PUNCT
fsr-3471	42	5	2015	2015	NUM
fsr-3471	42	6	)	)	PUNCT
fsr-3471	42	7	analyze	analyze	VERB
fsr-3471	42	8	the	the	DET
fsr-3471	42	9	effect	effect	NOUN
fsr-3471	42	10	of	of	ADP
fsr-3471	42	11	investors	investor	NOUN
fsr-3471	42	12	’	'	PUNCT
fsr-3471	42	13	financial	financial	ADJ
fsr-3471	42	14	literacy	literacy	NOUN
fsr-3471	42	15	on	on	ADP
fsr-3471	42	16	their	their	PRON
fsr-3471	42	17	decision	decision	NOUN
fsr-3471	42	18	to	to	PART
fsr-3471	42	19	seek	seek	VERB
fsr-3471	42	20	financial	financial	ADJ
fsr-3471	42	21	advice	advice	NOUN
fsr-3471	42	22	.	.	PUNCT
fsr-3471	43	1	they	they	PRON
fsr-3471	43	2	conclude	conclude	VERB
fsr-3471	43	3	a	a	DET
fsr-3471	43	4	high	high	ADJ
fsr-3471	43	5	degree	degree	NOUN
fsr-3471	43	6	of	of	ADP
fsr-3471	43	7	financial	financial	ADJ
fsr-3471	43	8	literacy	literacy	NOUN
fsr-3471	43	9	increases	increase	VERB
fsr-3471	43	10	the	the	DET
fsr-3471	43	11	likelihood	likelihood	NOUN
fsr-3471	43	12	that	that	SCONJ
fsr-3471	43	13	investors	investor	NOUN
fsr-3471	43	14	consult	consult	VERB
fsr-3471	43	15	with	with	ADP
fsr-3471	43	16	financial	financial	ADJ
fsr-3471	43	17	advisors	advisor	NOUN
fsr-3471	43	18	.	.	PUNCT
fsr-3471	44	1	battacharya	battacharya	PROPN
fsr-3471	44	2	et	et	PROPN
fsr-3471	44	3	al	al	PROPN
fsr-3471	44	4	.	.	PROPN
fsr-3471	45	1	(	(	PUNCT
fsr-3471	45	2	2012	2012	NUM
fsr-3471	45	3	)	)	PUNCT
fsr-3471	45	4	use	use	VERB
fsr-3471	45	5	german	german	ADJ
fsr-3471	45	6	brokerage	brokerage	NOUN
fsr-3471	45	7	data	datum	NOUN
fsr-3471	45	8	to	to	PART
fsr-3471	45	9	examine	examine	VERB
fsr-3471	45	10	the	the	DET
fsr-3471	45	11	efficacy	efficacy	NOUN
fsr-3471	45	12	of	of	ADP
fsr-3471	45	13	unbiased	unbiased	ADJ
fsr-3471	45	14	investment	investment	NOUN
fsr-3471	45	15	advice	advice	NOUN
fsr-3471	45	16	.	.	PUNCT
fsr-3471	46	1	they	they	PRON
fsr-3471	46	2	find	find	VERB
fsr-3471	46	3	investors	investor	NOUN
fsr-3471	46	4	who	who	PRON
fsr-3471	46	5	most	most	ADV
fsr-3471	46	6	need	need	VERB
fsr-3471	46	7	financial	financial	ADJ
fsr-3471	46	8	advice	advice	NOUN
fsr-3471	46	9	are	be	AUX
fsr-3471	46	10	the	the	DET
fsr-3471	46	11	least	least	ADV
fsr-3471	46	12	likely	likely	ADJ
fsr-3471	46	13	to	to	PART
fsr-3471	46	14	obtain	obtain	VERB
fsr-3471	46	15	it	it	PRON
fsr-3471	46	16	.	.	PUNCT
fsr-3471	47	1	in	in	ADP
fsr-3471	47	2	addition	addition	NOUN
fsr-3471	47	3	,	,	PUNCT
fsr-3471	47	4	their	their	PRON
fsr-3471	47	5	research	research	NOUN
fsr-3471	47	6	suggests	suggest	VERB
fsr-3471	47	7	that	that	SCONJ
fsr-3471	47	8	the	the	DET
fsr-3471	47	9	5	5	NUM
fsr-3471	47	10	%	%	NOUN
fsr-3471	47	11	of	of	ADP
fsr-3471	47	12	investors	investor	NOUN
fsr-3471	47	13	who	who	PRON
fsr-3471	47	14	do	do	AUX
fsr-3471	47	15	seek	seek	VERB
fsr-3471	47	16	advice	advice	NOUN
fsr-3471	47	17	barely	barely	ADV
fsr-3471	47	18	follow	follow	VERB
fsr-3471	47	19	the	the	DET
fsr-3471	47	20	advice	advice	NOUN
fsr-3471	47	21	and	and	CCONJ
fsr-3471	47	22	do	do	AUX
fsr-3471	47	23	not	not	PART
fsr-3471	47	24	significantly	significantly	ADV
fsr-3471	47	25	improve	improve	VERB
fsr-3471	47	26	portfolio	portfolio	NOUN
fsr-3471	47	27	efficiency	efficiency	NOUN
fsr-3471	47	28	.	.	PUNCT
fsr-3471	48	1	financial	financial	ADJ
fsr-3471	48	2	planners	planner	NOUN
fsr-3471	48	3	are	be	AUX
fsr-3471	48	4	a	a	DET
fsr-3471	48	5	group	group	NOUN
fsr-3471	48	6	of	of	ADP
fsr-3471	48	7	individuals	individual	NOUN
fsr-3471	48	8	with	with	ADP
fsr-3471	48	9	a	a	DET
fsr-3471	48	10	high	high	ADJ
fsr-3471	48	11	degree	degree	NOUN
fsr-3471	48	12	of	of	ADP
fsr-3471	48	13	financial	financial	ADJ
fsr-3471	48	14	literacy	literacy	NOUN
fsr-3471	48	15	.	.	PUNCT
fsr-3471	49	1	according	accord	VERB
fsr-3471	49	2	to	to	ADP
fsr-3471	49	3	nofsinger	nofsinger	NOUN
fsr-3471	49	4	and	and	CCONJ
fsr-3471	49	5	varma	varma	PROPN
fsr-3471	49	6	(	(	PUNCT
fsr-3471	49	7	2007	2007	NUM
fsr-3471	49	8	)	)	PUNCT
fsr-3471	49	9	,	,	PUNCT
fsr-3471	49	10	who	who	PRON
fsr-3471	49	11	survey	survey	VERB
fsr-3471	49	12	over	over	ADP
fsr-3471	49	13	100	100	NUM
fsr-3471	49	14	financial	financial	ADJ
fsr-3471	49	15	planners	planner	NOUN
fsr-3471	49	16	to	to	PART
fsr-3471	49	17	assess	assess	VERB
fsr-3471	49	18	their	their	PRON
fsr-3471	49	19	reasoning	reasoning	NOUN
fsr-3471	49	20	mode	mode	NOUN
fsr-3471	49	21	,	,	PUNCT
fsr-3471	49	22	financial	financial	ADJ
fsr-3471	49	23	planners	planner	NOUN
fsr-3471	49	24	are	be	AUX
fsr-3471	49	25	more	more	ADV
fsr-3471	49	26	analytical	analytical	ADJ
fsr-3471	49	27	than	than	ADP
fsr-3471	49	28	the	the	DET
fsr-3471	49	29	general	general	ADJ
fsr-3471	49	30	population	population	NOUN
fsr-3471	49	31	with	with	ADP
fsr-3471	49	32	regard	regard	NOUN
fsr-3471	49	33	to	to	ADP
fsr-3471	49	34	intertemporal	intertemporal	ADJ
fsr-3471	49	35	choices	choice	NOUN
fsr-3471	49	36	,	,	PUNCT
fsr-3471	49	37	risk	risk	NOUN
fsr-3471	49	38	aversion	aversion	NOUN
fsr-3471	49	39	and	and	CCONJ
fsr-3471	49	40	preferences	preference	NOUN
fsr-3471	49	41	,	,	PUNCT
fsr-3471	49	42	and	and	CCONJ
fsr-3471	49	43	framing	frame	VERB
fsr-3471	49	44	focus	focus	NOUN
fsr-3471	49	45	.	.	PUNCT
fsr-3471	50	1	however	however	ADV
fsr-3471	50	2	,	,	PUNCT
fsr-3471	50	3	many	many	ADJ
fsr-3471	50	4	financial	financial	ADJ
fsr-3471	50	5	planning	planning	NOUN
fsr-3471	50	6	professionals	professional	NOUN
fsr-3471	50	7	do	do	AUX
fsr-3471	50	8	not	not	PART
fsr-3471	50	9	have	have	VERB
fsr-3471	50	10	business	business	NOUN
fsr-3471	50	11	plans	plan	NOUN
fsr-3471	50	12	,	,	PUNCT
fsr-3471	50	13	retirement	retirement	NOUN
fsr-3471	50	14	plans	plan	NOUN
fsr-3471	50	15	,	,	PUNCT
fsr-3471	50	16	or	or	CCONJ
fsr-3471	50	17	successions	succession	NOUN
fsr-3471	50	18	plans	plan	NOUN
fsr-3471	50	19	in	in	ADP
fsr-3471	50	20	place	place	NOUN
fsr-3471	50	21	,	,	PUNCT
fsr-3471	50	22	and	and	CCONJ
fsr-3471	50	23	doviak	doviak	NOUN
fsr-3471	50	24	(	(	PUNCT
fsr-3471	50	25	2016	2016	NUM
fsr-3471	50	26	)	)	PUNCT
fsr-3471	50	27	discusses	discuss	VERB
fsr-3471	50	28	how	how	SCONJ
fsr-3471	50	29	advisors	advisor	NOUN
fsr-3471	50	30	struggle	struggle	VERB
fsr-3471	50	31	to	to	PART
fsr-3471	50	32	cope	cope	VERB
fsr-3471	50	33	with	with	ADP
fsr-3471	50	34	emotional	emotional	ADJ
fsr-3471	50	35	stress	stress	NOUN
fsr-3471	50	36	using	use	VERB
fsr-3471	50	37	behavioral	behavioral	ADJ
fsr-3471	50	38	finance.4	finance.4	PROPN
fsr-3471	50	39	it	it	PRON
fsr-3471	50	40	is	be	AUX
fsr-3471	50	41	useful	useful	ADJ
fsr-3471	50	42	to	to	PART
fsr-3471	50	43	examine	examine	VERB
fsr-3471	50	44	whether	whether	SCONJ
fsr-3471	50	45	financial	financial	ADJ
fsr-3471	50	46	planners	planner	NOUN
fsr-3471	50	47	handle	handle	VERB
fsr-3471	50	48	their	their	PRON
fsr-3471	50	49	personal	personal	ADJ
fsr-3471	50	50	finances	finance	NOUN
fsr-3471	50	51	as	as	ADV
fsr-3471	50	52	well	well	ADV
fsr-3471	50	53	as	as	SCONJ
fsr-3471	50	54	they	they	PRON
fsr-3471	50	55	advise	advise	VERB
fsr-3471	50	56	their	their	PRON
fsr-3471	50	57	clients	client	NOUN
fsr-3471	50	58	and	and	CCONJ
fsr-3471	50	59	whether	whether	SCONJ
fsr-3471	50	60	they	they	PRON
fsr-3471	50	61	follow	follow	VERB
fsr-3471	50	62	through	through	ADP
fsr-3471	50	63	with	with	ADP
fsr-3471	50	64	execution	execution	NOUN
fsr-3471	50	65	plans	plan	NOUN
fsr-3471	50	66	.	.	PUNCT
fsr-3471	51	1	this	this	DET
fsr-3471	51	2	article	article	NOUN
fsr-3471	51	3	investigates	investigate	VERB
fsr-3471	51	4	how	how	SCONJ
fsr-3471	51	5	advisors	advisor	NOUN
fsr-3471	51	6	make	make	VERB
fsr-3471	51	7	their	their	PRON
fsr-3471	51	8	own	own	ADJ
fsr-3471	51	9	financial	financial	ADJ
fsr-3471	51	10	decisions	decision	NOUN
fsr-3471	51	11	and	and	CCONJ
fsr-3471	51	12	whether	whether	SCONJ
fsr-3471	51	13	the	the	DET
fsr-3471	51	14	advice	advice	NOUN
fsr-3471	51	15	they	they	PRON
fsr-3471	51	16	give	give	VERB
fsr-3471	51	17	is	be	AUX
fsr-3471	51	18	consistent	consistent	ADJ
fsr-3471	51	19	with	with	ADP
fsr-3471	51	20	their	their	PRON
fsr-3471	51	21	own	own	ADJ
fsr-3471	51	22	behavior	behavior	NOUN
fsr-3471	51	23	.	.	PUNCT
fsr-3471	52	1	we	we	PRON
fsr-3471	52	2	focus	focus	VERB
fsr-3471	52	3	on	on	ADP
fsr-3471	52	4	the	the	DET
fsr-3471	52	5	following	follow	VERB
fsr-3471	52	6	areas	area	NOUN
fsr-3471	52	7	of	of	ADP
fsr-3471	52	8	comprehensive	comprehensive	ADJ
fsr-3471	52	9	financial	financial	ADJ
fsr-3471	52	10	planning	planning	NOUN
fsr-3471	52	11	as	as	SCONJ
fsr-3471	52	12	they	they	PRON
fsr-3471	52	13	relate	relate	VERB
fsr-3471	52	14	to	to	ADP
fsr-3471	52	15	advisor	advisor	NOUN
fsr-3471	52	16	behavior	behavior	NOUN
fsr-3471	52	17	:	:	PUNCT
fsr-3471	52	18	(	(	PUNCT
fsr-3471	52	19	1	1	X
fsr-3471	52	20	)	)	PUNCT
fsr-3471	52	21	cash	cash	NOUN
fsr-3471	52	22	flow	flow	NOUN
fsr-3471	52	23	,	,	PUNCT
fsr-3471	52	24	(	(	PUNCT
fsr-3471	52	25	2	2	X
fsr-3471	52	26	)	)	PUNCT
fsr-3471	52	27	debt	debt	NOUN
fsr-3471	52	28	,	,	PUNCT
fsr-3471	52	29	(	(	PUNCT
fsr-3471	52	30	3	3	X
fsr-3471	52	31	)	)	PUNCT
fsr-3471	52	32	retirement	retirement	NOUN
fsr-3471	52	33	planning	planning	NOUN
fsr-3471	52	34	,	,	PUNCT
fsr-3471	52	35	(	(	PUNCT
fsr-3471	52	36	4	4	X
fsr-3471	52	37	)	)	PUNCT
fsr-3471	52	38	investments	investment	NOUN
fsr-3471	52	39	,	,	PUNCT
fsr-3471	52	40	and	and	CCONJ
fsr-3471	52	41	(	(	PUNCT
fsr-3471	52	42	5	5	X
fsr-3471	52	43	)	)	PUNCT
fsr-3471	52	44	estate	estate	NOUN
fsr-3471	52	45	planning	planning	NOUN
fsr-3471	52	46	.	.	PUNCT
fsr-3471	53	1	a	a	DET
fsr-3471	53	2	secondary	secondary	ADJ
fsr-3471	53	3	goal	goal	NOUN
fsr-3471	53	4	is	be	AUX
fsr-3471	53	5	to	to	PART
fsr-3471	53	6	identify	identify	VERB
fsr-3471	53	7	characteristics	characteristic	NOUN
fsr-3471	53	8	associated	associate	VERB
fsr-3471	53	9	with	with	ADP
fsr-3471	53	10	the	the	DET
fsr-3471	53	11	advisors	advisor	NOUN
fsr-3471	53	12	that	that	PRON
fsr-3471	53	13	plan	plan	VERB
fsr-3471	53	14	their	their	PRON
fsr-3471	53	15	own	own	ADJ
fsr-3471	53	16	financial	financial	ADJ
fsr-3471	53	17	lives	life	NOUN
fsr-3471	53	18	according	accord	VERB
fsr-3471	53	19	to	to	ADP
fsr-3471	53	20	best	good	ADJ
fsr-3471	53	21	financial	financial	ADJ
fsr-3471	53	22	practices	practice	NOUN
fsr-3471	53	23	.	.	PUNCT
fsr-3471	54	1	we	we	PRON
fsr-3471	54	2	examine	examine	VERB
fsr-3471	54	3	financial	financial	ADJ
fsr-3471	54	4	planners	planner	NOUN
fsr-3471	54	5	’	’	PART
fsr-3471	54	6	financial	financial	ADJ
fsr-3471	54	7	decisions	decision	NOUN
fsr-3471	54	8	with	with	ADP
fsr-3471	54	9	respect	respect	NOUN
fsr-3471	54	10	to	to	ADP
fsr-3471	54	11	debt	debt	NOUN
fsr-3471	54	12	and	and	CCONJ
fsr-3471	54	13	savings	saving	NOUN
fsr-3471	54	14	,	,	PUNCT
fsr-3471	54	15	and	and	CCONJ
fsr-3471	54	16	whether	whether	SCONJ
fsr-3471	54	17	they	they	PRON
fsr-3471	54	18	handle	handle	VERB
fsr-3471	54	19	their	their	PRON
fsr-3471	54	20	own	own	ADJ
fsr-3471	54	21	personal	personal	ADJ
fsr-3471	54	22	finances	finance	NOUN
fsr-3471	54	23	efficiently	efficiently	ADV
fsr-3471	54	24	.	.	PUNCT
fsr-3471	55	1	in	in	ADP
fsr-3471	55	2	addition	addition	NOUN
fsr-3471	55	3	,	,	PUNCT
fsr-3471	55	4	we	we	PRON
fsr-3471	55	5	investigate	investigate	VERB
fsr-3471	55	6	whether	whether	SCONJ
fsr-3471	55	7	financial	financial	ADJ
fsr-3471	55	8	planners	planner	NOUN
fsr-3471	55	9	rely	rely	VERB
fsr-3471	55	10	on	on	ADP
fsr-3471	55	11	professional	professional	ADJ
fsr-3471	55	12	services	service	NOUN
fsr-3471	55	13	,	,	PUNCT
fsr-3471	55	14	such	such	ADJ
fsr-3471	55	15	as	as	ADP
fsr-3471	55	16	hiring	hire	VERB
fsr-3471	55	17	tax	tax	NOUN
fsr-3471	55	18	professionals	professional	NOUN
fsr-3471	55	19	or	or	CCONJ
fsr-3471	55	20	financial	financial	ADJ
fsr-3471	55	21	planners	planner	NOUN
fsr-3471	55	22	.	.	PUNCT
fsr-3471	56	1	we	we	PRON
fsr-3471	56	2	find	find	VERB
fsr-3471	56	3	that	that	SCONJ
fsr-3471	56	4	financial	financial	ADJ
fsr-3471	56	5	planners	planner	NOUN
fsr-3471	56	6	mostly	mostly	ADV
fsr-3471	56	7	preach	preach	VERB
fsr-3471	56	8	what	what	PRON
fsr-3471	56	9	they	they	PRON
fsr-3471	56	10	practice	practice	VERB
fsr-3471	56	11	.	.	PUNCT
fsr-3471	57	1	as	as	ADP
fsr-3471	57	2	a	a	DET
fsr-3471	57	3	group	group	NOUN
fsr-3471	57	4	,	,	PUNCT
fsr-3471	57	5	planners	planner	NOUN
fsr-3471	57	6	are	be	AUX
fsr-3471	57	7	more	more	ADV
fsr-3471	57	8	likely	likely	ADJ
fsr-3471	57	9	to	to	PART
fsr-3471	57	10	be	be	AUX
fsr-3471	57	11	prepared	prepare	VERB
fsr-3471	57	12	for	for	ADP
fsr-3471	57	13	retirement	retirement	NOUN
fsr-3471	57	14	,	,	PUNCT
fsr-3471	57	15	have	have	AUX
fsr-3471	57	16	less	less	ADJ
fsr-3471	57	17	debt	debt	NOUN
fsr-3471	57	18	,	,	PUNCT
fsr-3471	57	19	higher	high	ADJ
fsr-3471	57	20	liquidity	liquidity	NOUN
fsr-3471	57	21	,	,	PUNCT
fsr-3471	57	22	covered	cover	VERB
fsr-3471	57	23	insurance	insurance	NOUN
fsr-3471	57	24	needs	need	NOUN
fsr-3471	57	25	,	,	PUNCT
fsr-3471	57	26	and	and	CCONJ
fsr-3471	57	27	an	an	DET
fsr-3471	57	28	estate	estate	NOUN
fsr-3471	57	29	plan	plan	NOUN
fsr-3471	57	30	in	in	ADP
fsr-3471	57	31	place	place	NOUN
fsr-3471	57	32	.	.	PUNCT
fsr-3471	58	1	as	as	ADP
fsr-3471	58	2	a	a	DET
fsr-3471	58	3	result	result	NOUN
fsr-3471	58	4	,	,	PUNCT
fsr-3471	58	5	the	the	DET
fsr-3471	58	6	general	general	ADJ
fsr-3471	58	7	population	population	NOUN
fsr-3471	58	8	could	could	AUX
fsr-3471	58	9	benefit	benefit	VERB
fsr-3471	58	10	financially	financially	ADV
fsr-3471	58	11	by	by	ADP
fsr-3471	58	12	hiring	hire	VERB
fsr-3471	58	13	planners	planner	NOUN
fsr-3471	58	14	.	.	PUNCT
fsr-3471	59	1	these	these	DET
fsr-3471	59	2	results	result	NOUN
fsr-3471	59	3	are	be	AUX
fsr-3471	59	4	consistent	consistent	ADJ
fsr-3471	59	5	with	with	ADP
fsr-3471	59	6	those	those	PRON
fsr-3471	59	7	found	find	VERB
fsr-3471	59	8	by	by	ADP
fsr-3471	59	9	linnainmaa	linnainmaa	NOUN
fsr-3471	59	10	,	,	PUNCT
fsr-3471	59	11	melzer	melzer	NOUN
fsr-3471	59	12	,	,	PUNCT
fsr-3471	59	13	and	and	CCONJ
fsr-3471	59	14	previtero	previtero	NOUN
fsr-3471	59	15	(	(	PUNCT
fsr-3471	59	16	2021	2021	NUM
fsr-3471	59	17	)	)	PUNCT
fsr-3471	59	18	,	,	PUNCT
fsr-3471	59	19	who	who	PRON
fsr-3471	59	20	examine	examine	VERB
fsr-3471	59	21	a	a	DET
fsr-3471	59	22	sample	sample	NOUN
fsr-3471	59	23	of	of	ADP
fsr-3471	59	24	financial	financial	ADJ
fsr-3471	59	25	planners	planner	NOUN
fsr-3471	59	26	in	in	ADP
fsr-3471	59	27	canada	canada	PROPN
fsr-3471	59	28	.	.	PUNCT
fsr-3471	60	1	they	they	PRON
fsr-3471	60	2	conclude	conclude	VERB
fsr-3471	60	3	that	that	SCONJ
fsr-3471	60	4	the	the	DET
fsr-3471	60	5	personal	personal	ADJ
fsr-3471	60	6	investments	investment	NOUN
fsr-3471	60	7	of	of	ADP
fsr-3471	60	8	advisors	advisor	NOUN
fsr-3471	60	9	are	be	AUX
fsr-3471	60	10	similar	similar	ADJ
fsr-3471	60	11	to	to	ADP
fsr-3471	60	12	client	client	NOUN
fsr-3471	60	13	advice	advice	NOUN
fsr-3471	60	14	,	,	PUNCT
fsr-3471	60	15	even	even	ADV
fsr-3471	60	16	when	when	SCONJ
fsr-3471	60	17	the	the	DET
fsr-3471	60	18	advice	advice	NOUN
fsr-3471	60	19	may	may	AUX
fsr-3471	60	20	be	be	AUX
fsr-3471	60	21	expensive	expensive	ADJ
fsr-3471	60	22	and	and	CCONJ
fsr-3471	60	23	inefficient	inefficient	ADJ
fsr-3471	60	24	.	.	PUNCT
fsr-3471	61	1	dvorak	dvorak	PROPN
fsr-3471	61	2	(	(	PUNCT
fsr-3471	61	3	2015	2015	NUM
fsr-3471	61	4	)	)	PUNCT
fsr-3471	61	5	also	also	ADV
fsr-3471	61	6	finds	find	VERB
fsr-3471	61	7	that	that	SCONJ
fsr-3471	61	8	advisors	advisor	NOUN
fsr-3471	61	9	’	'	PUNCT
fsr-3471	61	10	plans	plan	NOUN
fsr-3471	61	11	are	be	AUX
fsr-3471	61	12	comparable	comparable	ADJ
fsr-3471	61	13	to	to	ADP
fsr-3471	61	14	their	their	PRON
fsr-3471	61	15	clients	client	NOUN
fsr-3471	61	16	’	’	PART
fsr-3471	61	17	plans	plan	NOUN
fsr-3471	61	18	;	;	PUNCT
fsr-3471	61	19	they	they	PRON
fsr-3471	61	20	tend	tend	VERB
fsr-3471	61	21	to	to	PART
fsr-3471	61	22	hold	hold	VERB
fsr-3471	61	23	identical	identical	ADJ
fsr-3471	61	24	funds	fund	NOUN
fsr-3471	61	25	and	and	CCONJ
fsr-3471	61	26	use	use	VERB
fsr-3471	61	27	the	the	DET
fsr-3471	61	28	same	same	ADJ
fsr-3471	61	29	fund	fund	NOUN
fsr-3471	61	30	families	family	NOUN
fsr-3471	61	31	and	and	CCONJ
fsr-3471	61	32	fund	fund	NOUN
fsr-3471	61	33	categories	category	NOUN
fsr-3471	61	34	.	.	PUNCT
fsr-3471	62	1	outlaw	outlaw	NOUN
fsr-3471	62	2	and	and	CCONJ
fsr-3471	62	3	outlaw	outlaw	NOUN
fsr-3471	62	4	(	(	PUNCT
fsr-3471	62	5	2017	2017	NUM
fsr-3471	62	6	)	)	PUNCT
fsr-3471	62	7	focus	focus	NOUN
fsr-3471	62	8	on	on	ADP
fsr-3471	62	9	the	the	DET
fsr-3471	62	10	investment	investment	NOUN
fsr-3471	62	11	aspect	aspect	NOUN
fsr-3471	62	12	and	and	CCONJ
fsr-3471	62	13	compare	compare	VERB
fsr-3471	62	14	the	the	DET
fsr-3471	62	15	advisors	advisor	NOUN
fsr-3471	62	16	’	'	PUNCT
fsr-3471	62	17	own	own	ADJ
fsr-3471	62	18	trading	trading	NOUN
fsr-3471	62	19	activity	activity	NOUN
fsr-3471	62	20	with	with	ADP
fsr-3471	62	21	that	that	PRON
fsr-3471	62	22	of	of	ADP
fsr-3471	62	23	their	their	PRON
fsr-3471	62	24	clients	client	NOUN
fsr-3471	62	25	.	.	PUNCT
fsr-3471	63	1	they	they	PRON
fsr-3471	63	2	n.	n.	VERB
fsr-3471	63	3	azamian	azamian	PROPN
fsr-3471	63	4	et	et	PROPN
fsr-3471	63	5	al	al	PROPN
fsr-3471	63	6	.	.	PUNCT
fsr-3471	63	7	/	/	SYM
fsr-3471	63	8	financial	financial	ADJ
fsr-3471	63	9	services	service	NOUN
fsr-3471	63	10	review	review	VERB
fsr-3471	63	11	30	30	NUM
fsr-3471	63	12	(	(	PUNCT
fsr-3471	63	13	2022	2022	NUM
fsr-3471	63	14	)	)	PUNCT
fsr-3471	63	15	57–68	57–68	NUM
fsr-3471	63	16	59	59	NUM
fsr-3471	63	17	find	find	VERB
fsr-3471	63	18	that	that	SCONJ
fsr-3471	63	19	advisors	advisor	NOUN
fsr-3471	63	20	do	do	VERB
fsr-3471	63	21	their	their	PRON
fsr-3471	63	22	best	good	ADJ
fsr-3471	63	23	for	for	ADP
fsr-3471	63	24	the	the	DET
fsr-3471	63	25	clients	client	NOUN
fsr-3471	63	26	,	,	PUNCT
fsr-3471	63	27	as	as	SCONJ
fsr-3471	63	28	they	they	PRON
fsr-3471	63	29	do	do	AUX
fsr-3471	63	30	for	for	ADP
fsr-3471	63	31	themselves	themselves	PRON
fsr-3471	63	32	,	,	PUNCT
fsr-3471	63	33	but	but	CCONJ
fsr-3471	63	34	sales	sale	NOUN
fsr-3471	63	35	incentives	incentive	NOUN
fsr-3471	63	36	may	may	AUX
fsr-3471	63	37	influence	influence	VERB
fsr-3471	63	38	the	the	DET
fsr-3471	63	39	quality	quality	NOUN
fsr-3471	63	40	of	of	ADP
fsr-3471	63	41	advice	advice	NOUN
fsr-3471	63	42	.	.	PUNCT
fsr-3471	64	1	2	2	X
fsr-3471	64	2	.	.	X
fsr-3471	64	3	survey	survey	NOUN
fsr-3471	64	4	design	design	NOUN
fsr-3471	64	5	we	we	PRON
fsr-3471	64	6	collect	collect	VERB
fsr-3471	64	7	information	information	NOUN
fsr-3471	64	8	from	from	ADP
fsr-3471	64	9	financial	financial	ADJ
fsr-3471	64	10	advisors	advisor	NOUN
fsr-3471	64	11	via	via	ADP
fsr-3471	64	12	survey	survey	NOUN
fsr-3471	64	13	in	in	ADP
fsr-3471	64	14	summer	summer	NOUN
fsr-3471	64	15	2018.5	2018.5	NUM
fsr-3471	64	16	advisors	advisor	NOUN
fsr-3471	64	17	are	be	AUX
fsr-3471	64	18	recruited	recruit	VERB
fsr-3471	64	19	through	through	ADP
fsr-3471	64	20	targeted	target	VERB
fsr-3471	64	21	facebook	facebook	NOUN
fsr-3471	64	22	pages	page	NOUN
fsr-3471	64	23	(	(	PUNCT
fsr-3471	64	24	such	such	ADJ
fsr-3471	64	25	as	as	ADP
fsr-3471	64	26	xypn	xypn	PROPN
fsr-3471	64	27	)	)	PUNCT
fsr-3471	64	28	,	,	PUNCT
fsr-3471	64	29	napfa	napfa	NOUN
fsr-3471	64	30	,	,	PUNCT
fsr-3471	64	31	and	and	CCONJ
fsr-3471	64	32	fpa	fpa	PROPN
fsr-3471	64	33	.	.	PUNCT
fsr-3471	65	1	the	the	DET
fsr-3471	65	2	responses	response	NOUN
fsr-3471	65	3	are	be	AUX
fsr-3471	65	4	anonymous	anonymous	ADJ
fsr-3471	65	5	and	and	CCONJ
fsr-3471	65	6	voluntary	voluntary	ADJ
fsr-3471	65	7	,	,	PUNCT
fsr-3471	65	8	with	with	ADP
fsr-3471	65	9	no	no	DET
fsr-3471	65	10	renumeration	renumeration	NOUN
fsr-3471	65	11	.	.	PUNCT
fsr-3471	66	1	the	the	DET
fsr-3471	66	2	survey	survey	NOUN
fsr-3471	66	3	consists	consist	VERB
fsr-3471	66	4	of	of	ADP
fsr-3471	66	5	33	33	NUM
fsr-3471	66	6	questions	question	NOUN
fsr-3471	66	7	,	,	PUNCT
fsr-3471	66	8	categorized	categorize	VERB
fsr-3471	66	9	as	as	SCONJ
fsr-3471	66	10	follows	follow	VERB
fsr-3471	66	11	:	:	PUNCT
fsr-3471	66	12	demographic	demographic	ADJ
fsr-3471	66	13	information	information	NOUN
fsr-3471	66	14	,	,	PUNCT
fsr-3471	66	15	cash	cash	NOUN
fsr-3471	66	16	flow	flow	NOUN
fsr-3471	66	17	questions	question	NOUN
fsr-3471	66	18	(	(	PUNCT
fsr-3471	66	19	budget	budget	NOUN
fsr-3471	66	20	existence	existence	NOUN
fsr-3471	66	21	and	and	CCONJ
fsr-3471	66	22	use	use	NOUN
fsr-3471	66	23	,	,	PUNCT
fsr-3471	66	24	emergency	emergency	NOUN
fsr-3471	66	25	savings	saving	NOUN
fsr-3471	66	26	and	and	CCONJ
fsr-3471	66	27	consumer	consumer	NOUN
fsr-3471	66	28	debt	debt	NOUN
fsr-3471	66	29	)	)	PUNCT
fsr-3471	66	30	,	,	PUNCT
fsr-3471	66	31	insurance	insurance	NOUN
fsr-3471	66	32	questions	question	NOUN
fsr-3471	66	33	(	(	PUNCT
fsr-3471	66	34	need	need	VERB
fsr-3471	66	35	assessment	assessment	NOUN
fsr-3471	66	36	and	and	CCONJ
fsr-3471	66	37	implementation	implementation	NOUN
fsr-3471	66	38	)	)	PUNCT
fsr-3471	66	39	,	,	PUNCT
fsr-3471	66	40	estate	estate	NOUN
fsr-3471	66	41	planning	planning	NOUN
fsr-3471	66	42	(	(	PUNCT
fsr-3471	66	43	existence	existence	NOUN
fsr-3471	66	44	and	and	CCONJ
fsr-3471	66	45	household	household	NOUN
fsr-3471	66	46	preparedness	preparedness	NOUN
fsr-3471	66	47	for	for	ADP
fsr-3471	66	48	emergencies	emergency	NOUN
fsr-3471	66	49	)	)	PUNCT
fsr-3471	66	50	,	,	PUNCT
fsr-3471	66	51	investments	investment	NOUN
fsr-3471	66	52	(	(	PUNCT
fsr-3471	66	53	existence	existence	NOUN
fsr-3471	66	54	and	and	CCONJ
fsr-3471	66	55	decision	decision	NOUN
fsr-3471	66	56	-	-	PUNCT
fsr-3471	66	57	making	making	NOUN
fsr-3471	66	58	in	in	ADP
fsr-3471	66	59	terms	term	NOUN
fsr-3471	66	60	of	of	ADP
fsr-3471	66	61	time	time	NOUN
fsr-3471	66	62	and	and	CCONJ
fsr-3471	66	63	investment	investment	NOUN
fsr-3471	66	64	style	style	NOUN
fsr-3471	66	65	)	)	PUNCT
fsr-3471	66	66	,	,	PUNCT
fsr-3471	66	67	taxes	taxis	NOUN
fsr-3471	66	68	(	(	PUNCT
fsr-3471	66	69	knowledge	knowledge	NOUN
fsr-3471	66	70	and	and	CCONJ
fsr-3471	66	71	preparation	preparation	NOUN
fsr-3471	66	72	)	)	PUNCT
fsr-3471	66	73	,	,	PUNCT
fsr-3471	66	74	and	and	CCONJ
fsr-3471	66	75	an	an	DET
fsr-3471	66	76	overall	overall	ADJ
fsr-3471	66	77	assessment	assessment	NOUN
fsr-3471	66	78	of	of	ADP
fsr-3471	66	79	the	the	DET
fsr-3471	66	80	satisfaction	satisfaction	NOUN
fsr-3471	66	81	with	with	ADP
fsr-3471	66	82	past	past	ADJ
fsr-3471	66	83	financial	financial	ADJ
fsr-3471	66	84	choices	choice	NOUN
fsr-3471	66	85	.	.	PUNCT
fsr-3471	67	1	we	we	PRON
fsr-3471	67	2	obtained	obtain	VERB
fsr-3471	67	3	124	124	NUM
fsr-3471	67	4	complete	complete	ADJ
fsr-3471	67	5	responses	response	NOUN
fsr-3471	67	6	during	during	ADP
fsr-3471	67	7	the	the	DET
fsr-3471	67	8	summer	summer	NOUN
fsr-3471	67	9	of	of	ADP
fsr-3471	67	10	2018	2018	NUM
fsr-3471	67	11	,	,	PUNCT
fsr-3471	67	12	a	a	DET
fsr-3471	67	13	response	response	NOUN
fsr-3471	67	14	rate	rate	NOUN
fsr-3471	67	15	of	of	ADP
fsr-3471	67	16	82	82	NUM
fsr-3471	67	17	%	%	NOUN
fsr-3471	67	18	.	.	PUNCT
fsr-3471	68	1	by	by	ADP
fsr-3471	68	2	design	design	NOUN
fsr-3471	68	3	,	,	PUNCT
fsr-3471	68	4	the	the	DET
fsr-3471	68	5	sample	sample	NOUN
fsr-3471	68	6	is	be	AUX
fsr-3471	68	7	biased	bias	VERB
fsr-3471	68	8	towards	towards	ADP
fsr-3471	68	9	planners	planner	NOUN
fsr-3471	68	10	who	who	PRON
fsr-3471	68	11	do	do	AUX
fsr-3471	68	12	not	not	PART
fsr-3471	68	13	exclusively	exclusively	ADV
fsr-3471	68	14	charge	charge	VERB
fsr-3471	68	15	commissions	commission	NOUN
fsr-3471	68	16	.	.	PUNCT
fsr-3471	69	1	our	our	PRON
fsr-3471	69	2	sample	sample	NOUN
fsr-3471	69	3	mirrors	mirror	VERB
fsr-3471	69	4	the	the	DET
fsr-3471	69	5	overall	overall	ADJ
fsr-3471	69	6	gender	gender	NOUN
fsr-3471	69	7	distribution	distribution	NOUN
fsr-3471	69	8	of	of	ADP
fsr-3471	69	9	financial	financial	ADJ
fsr-3471	69	10	advisors	advisor	NOUN
fsr-3471	69	11	well	well	ADV
fsr-3471	69	12	.	.	PUNCT
fsr-3471	70	1	of	of	ADP
fsr-3471	70	2	the	the	DET
fsr-3471	70	3	respondents	respondent	NOUN
fsr-3471	70	4	,	,	PUNCT
fsr-3471	70	5	68	68	NUM
fsr-3471	70	6	%	%	NOUN
fsr-3471	70	7	are	be	AUX
fsr-3471	70	8	male	male	ADJ
fsr-3471	70	9	and	and	CCONJ
fsr-3471	70	10	83	83	NUM
fsr-3471	70	11	%	%	NOUN
fsr-3471	70	12	are	be	AUX
fsr-3471	70	13	married	married	ADJ
fsr-3471	70	14	,	,	PUNCT
fsr-3471	70	15	34	34	NUM
fsr-3471	70	16	%	%	NOUN
fsr-3471	70	17	of	of	ADP
fsr-3471	70	18	the	the	DET
fsr-3471	70	19	respondents	respondent	NOUN
fsr-3471	70	20	are	be	AUX
fsr-3471	70	21	under	under	ADP
fsr-3471	70	22	34	34	NUM
fsr-3471	70	23	,	,	PUNCT
fsr-3471	70	24	and	and	CCONJ
fsr-3471	70	25	5	5	NUM
fsr-3471	70	26	%	%	NOUN
fsr-3471	70	27	are	be	AUX
fsr-3471	70	28	over	over	ADP
fsr-3471	70	29	65	65	NUM
fsr-3471	70	30	.	.	PUNCT
fsr-3471	71	1	88	88	NUM
fsr-3471	71	2	%	%	NOUN
fsr-3471	71	3	consider	consider	VERB
fsr-3471	71	4	themselves	themselves	PRON
fsr-3471	71	5	a	a	DET
fsr-3471	71	6	comprehensive	comprehensive	ADJ
fsr-3471	71	7	financial	financial	ADJ
fsr-3471	71	8	advisor	advisor	NOUN
fsr-3471	71	9	and	and	CCONJ
fsr-3471	71	10	63	63	NUM
fsr-3471	71	11	%	%	NOUN
fsr-3471	71	12	have	have	AUX
fsr-3471	71	13	earned	earn	VERB
fsr-3471	71	14	the	the	DET
fsr-3471	71	15	certified	certify	VERB
fsr-3471	71	16	financial	financial	ADJ
fsr-3471	71	17	planner	planner	NOUN
fsr-3471	71	18	(	(	PUNCT
fsr-3471	71	19	cfp	cfp	NOUN
fsr-3471	71	20	)	)	PUNCT
fsr-3471	71	21	designation	designation	NOUN
fsr-3471	71	22	.	.	PUNCT
fsr-3471	72	1	3	3	X
fsr-3471	72	2	.	.	NOUN
fsr-3471	72	3	results	result	VERB
fsr-3471	72	4	3.1	3.1	NUM
fsr-3471	72	5	.	.	PUNCT
fsr-3471	73	1	descriptive	descriptive	ADJ
fsr-3471	73	2	statistics	statistic	NOUN
fsr-3471	73	3	table	table	NOUN
fsr-3471	73	4	1	1	NUM
fsr-3471	73	5	presents	present	VERB
fsr-3471	73	6	descriptive	descriptive	ADJ
fsr-3471	73	7	statistics	statistic	NOUN
fsr-3471	73	8	by	by	ADP
fsr-3471	73	9	category	category	NOUN
fsr-3471	73	10	.	.	PUNCT
fsr-3471	74	1	for	for	ADP
fsr-3471	74	2	cash	cash	NOUN
fsr-3471	74	3	flow	flow	NOUN
fsr-3471	74	4	,	,	PUNCT
fsr-3471	74	5	our	our	PRON
fsr-3471	74	6	expectation	expectation	NOUN
fsr-3471	74	7	is	be	AUX
fsr-3471	74	8	that	that	SCONJ
fsr-3471	74	9	everyone	everyone	PRON
fsr-3471	74	10	will	will	AUX
fsr-3471	74	11	have	have	VERB
fsr-3471	74	12	a	a	DET
fsr-3471	74	13	budget	budget	NOUN
fsr-3471	74	14	,	,	PUNCT
fsr-3471	74	15	given	give	VERB
fsr-3471	74	16	how	how	SCONJ
fsr-3471	74	17	consistently	consistently	ADV
fsr-3471	74	18	this	this	DET
fsr-3471	74	19	topic	topic	NOUN
fsr-3471	74	20	is	be	AUX
fsr-3471	74	21	enforced	enforce	VERB
fsr-3471	74	22	in	in	ADP
fsr-3471	74	23	financial	financial	ADJ
fsr-3471	74	24	planning	planning	NOUN
fsr-3471	74	25	.	.	PUNCT
fsr-3471	75	1	we	we	PRON
fsr-3471	75	2	find	find	VERB
fsr-3471	75	3	that	that	SCONJ
fsr-3471	75	4	67	67	NUM
fsr-3471	75	5	%	%	NOUN
fsr-3471	75	6	of	of	ADP
fsr-3471	75	7	advisors	advisor	NOUN
fsr-3471	75	8	do	do	AUX
fsr-3471	75	9	have	have	VERB
fsr-3471	75	10	a	a	DET
fsr-3471	75	11	personal	personal	ADJ
fsr-3471	75	12	budget	budget	NOUN
fsr-3471	75	13	,	,	PUNCT
fsr-3471	75	14	but	but	CCONJ
fsr-3471	75	15	out	out	ADP
fsr-3471	75	16	of	of	ADP
fsr-3471	75	17	those	those	PRON
fsr-3471	75	18	,	,	PUNCT
fsr-3471	75	19	despite	despite	SCONJ
fsr-3471	75	20	having	have	VERB
fsr-3471	75	21	a	a	DET
fsr-3471	75	22	budget	budget	NOUN
fsr-3471	75	23	in	in	ADP
fsr-3471	75	24	name	name	NOUN
fsr-3471	75	25	,	,	PUNCT
fsr-3471	75	26	20	20	NUM
fsr-3471	75	27	%	%	NOUN
fsr-3471	75	28	do	do	AUX
fsr-3471	75	29	not	not	PART
fsr-3471	75	30	track	track	VERB
fsr-3471	75	31	or	or	CCONJ
fsr-3471	75	32	enforce	enforce	VERB
fsr-3471	75	33	it	it	PRON
fsr-3471	75	34	consistently	consistently	ADV
fsr-3471	75	35	.	.	PUNCT
fsr-3471	76	1	similarly	similarly	ADV
fsr-3471	76	2	,	,	PUNCT
fsr-3471	76	3	67	67	NUM
fsr-3471	76	4	%	%	NOUN
fsr-3471	76	5	of	of	ADP
fsr-3471	76	6	u.s	u.s	PROPN
fsr-3471	76	7	.	.	PROPN
fsr-3471	76	8	households	household	NOUN
fsr-3471	76	9	prepare	prepare	VERB
fsr-3471	76	10	a	a	DET
fsr-3471	76	11	monthly	monthly	ADJ
fsr-3471	76	12	budget.6	budget.6	NOUN
fsr-3471	76	13	overall	overall	NOUN
fsr-3471	76	14	,	,	PUNCT
fsr-3471	76	15	only	only	ADV
fsr-3471	76	16	47	47	NUM
fsr-3471	76	17	%	%	NOUN
fsr-3471	76	18	of	of	ADP
fsr-3471	76	19	planners	planner	NOUN
fsr-3471	76	20	elevate	elevate	VERB
fsr-3471	76	21	their	their	PRON
fsr-3471	76	22	own	own	ADJ
fsr-3471	76	23	budget	budget	NOUN
fsr-3471	76	24	to	to	ADP
fsr-3471	76	25	the	the	DET
fsr-3471	76	26	same	same	ADJ
fsr-3471	76	27	level	level	NOUN
fsr-3471	76	28	of	of	ADP
fsr-3471	76	29	responsibility	responsibility	NOUN
fsr-3471	76	30	they	they	PRON
fsr-3471	76	31	ask	ask	VERB
fsr-3471	76	32	their	their	PRON
fsr-3471	76	33	clients	client	NOUN
fsr-3471	76	34	to	to	ADP
fsr-3471	76	35	follow.7	follow.7	PROPN
fsr-3471	76	36	in	in	ADP
fsr-3471	76	37	terms	term	NOUN
fsr-3471	76	38	of	of	ADP
fsr-3471	76	39	liquidity	liquidity	NOUN
fsr-3471	76	40	,	,	PUNCT
fsr-3471	76	41	9	9	NUM
fsr-3471	76	42	%	%	NOUN
fsr-3471	76	43	of	of	ADP
fsr-3471	76	44	the	the	DET
fsr-3471	76	45	respondents	respondent	NOUN
fsr-3471	76	46	have	have	VERB
fsr-3471	76	47	less	less	ADJ
fsr-3471	76	48	than	than	ADP
fsr-3471	76	49	$	$	SYM
fsr-3471	76	50	3,000	3,000	NUM
fsr-3471	76	51	in	in	ADP
fsr-3471	76	52	liquid	liquid	ADJ
fsr-3471	76	53	assets	asset	NOUN
fsr-3471	76	54	saved	save	VERB
fsr-3471	76	55	for	for	ADP
fsr-3471	76	56	emergencies	emergency	NOUN
fsr-3471	76	57	,	,	PUNCT
fsr-3471	76	58	23	23	NUM
fsr-3471	76	59	%	%	NOUN
fsr-3471	76	60	have	have	VERB
fsr-3471	76	61	somewhere	somewhere	ADV
fsr-3471	76	62	between	between	ADP
fsr-3471	76	63	$	$	SYM
fsr-3471	76	64	3,000-$10,000	3,000-$10,000	NUM
fsr-3471	76	65	,	,	PUNCT
fsr-3471	76	66	and	and	CCONJ
fsr-3471	76	67	23	23	NUM
fsr-3471	76	68	%	%	NOUN
fsr-3471	76	69	have	have	VERB
fsr-3471	76	70	more	more	ADJ
fsr-3471	76	71	than	than	ADP
fsr-3471	76	72	$	$	SYM
fsr-3471	76	73	50,000	50,000	NUM
fsr-3471	76	74	.	.	PUNCT
fsr-3471	77	1	although	although	SCONJ
fsr-3471	77	2	liquidity	liquidity	NOUN
fsr-3471	77	3	is	be	AUX
fsr-3471	77	4	an	an	DET
fsr-3471	77	5	important	important	ADJ
fsr-3471	77	6	component	component	NOUN
fsr-3471	77	7	of	of	ADP
fsr-3471	77	8	financial	financial	ADJ
fsr-3471	77	9	planning	planning	NOUN
fsr-3471	77	10	,	,	PUNCT
fsr-3471	77	11	we	we	PRON
fsr-3471	77	12	do	do	AUX
fsr-3471	77	13	not	not	PART
fsr-3471	77	14	have	have	VERB
fsr-3471	77	15	an	an	DET
fsr-3471	77	16	expectation	expectation	NOUN
fsr-3471	77	17	for	for	ADP
fsr-3471	77	18	an	an	DET
fsr-3471	77	19	optimal	optimal	ADJ
fsr-3471	77	20	level	level	NOUN
fsr-3471	77	21	.	.	PUNCT
fsr-3471	78	1	still	still	ADV
fsr-3471	78	2	,	,	PUNCT
fsr-3471	78	3	the	the	DET
fsr-3471	78	4	9	9	NUM
fsr-3471	78	5	%	%	NOUN
fsr-3471	78	6	that	that	PRON
fsr-3471	78	7	have	have	VERB
fsr-3471	78	8	less	less	ADJ
fsr-3471	78	9	than	than	ADP
fsr-3471	78	10	$	$	SYM
fsr-3471	78	11	3,000	3,000	NUM
fsr-3471	78	12	accessible	accessible	ADJ
fsr-3471	78	13	for	for	ADP
fsr-3471	78	14	emergencies	emergency	NOUN
fsr-3471	78	15	is	be	AUX
fsr-3471	78	16	much	much	ADV
fsr-3471	78	17	less	less	ADJ
fsr-3471	78	18	than	than	ADP
fsr-3471	78	19	the	the	DET
fsr-3471	78	20	typical	typical	ADJ
fsr-3471	78	21	advice	advice	NOUN
fsr-3471	78	22	of	of	ADP
fsr-3471	78	23	three	three	NUM
fsr-3471	78	24	to	to	PART
fsr-3471	78	25	six	six	NUM
fsr-3471	78	26	months	month	NOUN
fsr-3471	78	27	of	of	ADP
fsr-3471	78	28	liquid	liquid	ADJ
fsr-3471	78	29	assets	asset	NOUN
fsr-3471	78	30	.	.	PUNCT
fsr-3471	79	1	by	by	ADP
fsr-3471	79	2	comparison	comparison	NOUN
fsr-3471	79	3	,	,	PUNCT
fsr-3471	79	4	45	45	NUM
fsr-3471	79	5	%	%	NOUN
fsr-3471	79	6	of	of	ADP
fsr-3471	79	7	u.s	u.s	PROPN
fsr-3471	79	8	.	.	PROPN
fsr-3471	79	9	adults	adult	NOUN
fsr-3471	79	10	have	have	VERB
fsr-3471	79	11	no	no	DET
fsr-3471	79	12	savings	saving	NOUN
fsr-3471	79	13	,	,	PUNCT
fsr-3471	79	14	and	and	CCONJ
fsr-3471	79	15	70	70	NUM
fsr-3471	79	16	%	%	NOUN
fsr-3471	79	17	have	have	VERB
fsr-3471	79	18	less	less	ADJ
fsr-3471	79	19	than	than	ADP
fsr-3471	79	20	$	$	SYM
fsr-3471	79	21	1,000	1,000	NUM
fsr-3471	79	22	in	in	ADP
fsr-3471	79	23	savings.8	savings.8	PROPN
fsr-3471	79	24	as	as	ADP
fsr-3471	79	25	a	a	DET
fsr-3471	79	26	side	side	NOUN
fsr-3471	79	27	note	note	NOUN
fsr-3471	79	28	,	,	PUNCT
fsr-3471	79	29	we	we	PRON
fsr-3471	79	30	ask	ask	VERB
fsr-3471	79	31	questions	question	NOUN
fsr-3471	79	32	about	about	ADP
fsr-3471	79	33	the	the	DET
fsr-3471	79	34	ability	ability	NOUN
fsr-3471	79	35	of	of	ADP
fsr-3471	79	36	partners	partner	NOUN
fsr-3471	79	37	to	to	PART
fsr-3471	79	38	find	find	VERB
fsr-3471	79	39	the	the	DET
fsr-3471	79	40	financial	financial	ADJ
fsr-3471	79	41	records	record	NOUN
fsr-3471	79	42	of	of	ADP
fsr-3471	79	43	their	their	PRON
fsr-3471	79	44	spouse	spouse	NOUN
fsr-3471	79	45	.	.	PUNCT
fsr-3471	80	1	for	for	ADP
fsr-3471	80	2	example	example	NOUN
fsr-3471	80	3	,	,	PUNCT
fsr-3471	80	4	if	if	SCONJ
fsr-3471	80	5	a	a	DET
fsr-3471	80	6	spouse	spouse	NOUN
fsr-3471	80	7	were	be	AUX
fsr-3471	80	8	to	to	PART
fsr-3471	80	9	die	die	VERB
fsr-3471	80	10	,	,	PUNCT
fsr-3471	80	11	would	would	AUX
fsr-3471	80	12	the	the	DET
fsr-3471	80	13	second	second	ADJ
fsr-3471	80	14	partner	partner	NOUN
fsr-3471	80	15	be	be	AUX
fsr-3471	80	16	able	able	ADJ
fsr-3471	80	17	to	to	PART
fsr-3471	80	18	access	access	VERB
fsr-3471	80	19	all	all	DET
fsr-3471	80	20	the	the	DET
fsr-3471	80	21	accounts	account	NOUN
fsr-3471	80	22	,	,	PUNCT
fsr-3471	80	23	and	and	CCONJ
fsr-3471	80	24	know	know	VERB
fsr-3471	80	25	who	who	PRON
fsr-3471	80	26	to	to	PART
fsr-3471	80	27	call	call	VERB
fsr-3471	80	28	for	for	ADP
fsr-3471	80	29	pension	pension	NOUN
fsr-3471	80	30	plans	plan	NOUN
fsr-3471	80	31	and	and	CCONJ
fsr-3471	80	32	insurance	insurance	NOUN
fsr-3471	80	33	,	,	PUNCT
fsr-3471	80	34	and	and	CCONJ
fsr-3471	80	35	so	so	ADV
fsr-3471	80	36	forth	forth	ADV
fsr-3471	80	37	?	?	PUNCT
fsr-3471	81	1	60	60	NUM
fsr-3471	81	2	n.	n.	NOUN
fsr-3471	81	3	azamian	azamian	PROPN
fsr-3471	81	4	et	et	PROPN
fsr-3471	81	5	al	al	PROPN
fsr-3471	81	6	.	.	PUNCT
fsr-3471	81	7	/	/	SYM
fsr-3471	81	8	financial	financial	ADJ
fsr-3471	81	9	services	service	NOUN
fsr-3471	81	10	review	review	VERB
fsr-3471	81	11	30	30	NUM
fsr-3471	81	12	(	(	PUNCT
fsr-3471	81	13	2022	2022	NUM
fsr-3471	81	14	)	)	PUNCT
fsr-3471	81	15	57–68	57–68	NUM
fsr-3471	81	16	given	give	VERB
fsr-3471	81	17	that	that	PRON
fsr-3471	81	18	one	one	NUM
fsr-3471	81	19	person	person	NOUN
fsr-3471	81	20	in	in	ADP
fsr-3471	81	21	the	the	DET
fsr-3471	81	22	relationship	relationship	NOUN
fsr-3471	81	23	is	be	AUX
fsr-3471	81	24	a	a	DET
fsr-3471	81	25	financial	financial	ADJ
fsr-3471	81	26	advisor	advisor	NOUN
fsr-3471	81	27	,	,	PUNCT
fsr-3471	81	28	we	we	PRON
fsr-3471	81	29	expect	expect	VERB
fsr-3471	81	30	the	the	DET
fsr-3471	81	31	respondents	respondent	NOUN
fsr-3471	81	32	to	to	PART
fsr-3471	81	33	be	be	AUX
fsr-3471	81	34	able	able	ADJ
fsr-3471	81	35	to	to	PART
fsr-3471	81	36	easily	easily	ADV
fsr-3471	81	37	access	access	VERB
fsr-3471	81	38	the	the	DET
fsr-3471	81	39	information	information	NOUN
fsr-3471	81	40	for	for	ADP
fsr-3471	81	41	their	their	PRON
fsr-3471	81	42	spouse	spouse	NOUN
fsr-3471	81	43	.	.	PUNCT
fsr-3471	82	1	we	we	PRON
fsr-3471	82	2	find	find	VERB
fsr-3471	82	3	that	that	SCONJ
fsr-3471	82	4	67	67	NUM
fsr-3471	82	5	%	%	NOUN
fsr-3471	82	6	of	of	ADP
fsr-3471	82	7	advisors	advisor	NOUN
fsr-3471	82	8	have	have	VERB
fsr-3471	82	9	a	a	DET
fsr-3471	82	10	document	document	NOUN
fsr-3471	82	11	in	in	ADP
fsr-3471	82	12	place	place	NOUN
fsr-3471	82	13	for	for	ADP
fsr-3471	82	14	their	their	PRON
fsr-3471	82	15	spouse	spouse	NOUN
fsr-3471	82	16	’s	’s	PART
fsr-3471	82	17	accounts	account	NOUN
fsr-3471	82	18	but	but	CCONJ
fsr-3471	82	19	10	10	NUM
fsr-3471	82	20	%	%	NOUN
fsr-3471	82	21	do	do	AUX
fsr-3471	82	22	not	not	PART
fsr-3471	82	23	know	know	VERB
fsr-3471	82	24	what	what	PRON
fsr-3471	82	25	is	be	AUX
fsr-3471	82	26	available	available	ADJ
fsr-3471	82	27	or	or	CCONJ
fsr-3471	82	28	where	where	SCONJ
fsr-3471	82	29	to	to	PART
fsr-3471	82	30	access	access	VERB
fsr-3471	82	31	files	file	NOUN
fsr-3471	82	32	.	.	PUNCT
fsr-3471	83	1	on	on	ADP
fsr-3471	83	2	the	the	DET
fsr-3471	83	3	flip	flip	ADJ
fsr-3471	83	4	side	side	NOUN
fsr-3471	83	5	,	,	PUNCT
fsr-3471	83	6	54	54	NUM
fsr-3471	83	7	%	%	NOUN
fsr-3471	83	8	of	of	ADP
fsr-3471	83	9	respondents	respondent	NOUN
fsr-3471	83	10	have	have	VERB
fsr-3471	83	11	a	a	DET
fsr-3471	83	12	document	document	NOUN
fsr-3471	83	13	in	in	ADP
fsr-3471	83	14	place	place	NOUN
fsr-3471	83	15	for	for	ADP
fsr-3471	83	16	their	their	PRON
fsr-3471	83	17	non	non	ADJ
fsr-3471	83	18	-	-	ADJ
fsr-3471	83	19	advisor	advisor	ADJ
fsr-3471	83	20	spouse	spouse	NOUN
fsr-3471	83	21	,	,	PUNCT
fsr-3471	83	22	21	21	NUM
fsr-3471	83	23	%	%	NOUN
fsr-3471	83	24	have	have	VERB
fsr-3471	83	25	no	no	DET
fsr-3471	83	26	formal	formal	ADJ
fsr-3471	83	27	document	document	NOUN
fsr-3471	83	28	but	but	CCONJ
fsr-3471	83	29	have	have	AUX
fsr-3471	83	30	shared	share	VERB
fsr-3471	83	31	the	the	DET
fsr-3471	83	32	accounts	account	NOUN
fsr-3471	83	33	and	and	CCONJ
fsr-3471	83	34	accessibility	accessibility	NOUN
fsr-3471	83	35	,	,	PUNCT
fsr-3471	83	36	and	and	CCONJ
fsr-3471	83	37	25	25	NUM
fsr-3471	83	38	%	%	NOUN
fsr-3471	83	39	have	have	AUX
fsr-3471	83	40	not	not	PART
fsr-3471	83	41	prepared	prepare	VERB
fsr-3471	83	42	the	the	DET
fsr-3471	83	43	information	information	NOUN
fsr-3471	83	44	for	for	ADP
fsr-3471	83	45	their	their	PRON
fsr-3471	83	46	spouse	spouse	NOUN
fsr-3471	83	47	.	.	PUNCT
fsr-3471	84	1	across	across	ADP
fsr-3471	84	2	older	old	ADJ
fsr-3471	84	3	americans	american	NOUN
fsr-3471	84	4	,	,	PUNCT
fsr-3471	84	5	32	32	NUM
fsr-3471	84	6	%	%	NOUN
fsr-3471	84	7	have	have	AUX
fsr-3471	84	8	not	not	PART
fsr-3471	84	9	informed	inform	VERB
fsr-3471	84	10	their	their	PRON
fsr-3471	84	11	family	family	NOUN
fsr-3471	84	12	where	where	SCONJ
fsr-3471	84	13	to	to	PART
fsr-3471	84	14	find	find	VERB
fsr-3471	84	15	legal	legal	ADJ
fsr-3471	84	16	,	,	PUNCT
fsr-3471	84	17	medical	medical	ADJ
fsr-3471	84	18	,	,	PUNCT
fsr-3471	84	19	and	and	CCONJ
fsr-3471	84	20	financial	financial	ADJ
fsr-3471	84	21	documents.9	documents.9	NOUN
fsr-3471	84	22	we	we	PRON
fsr-3471	84	23	ask	ask	VERB
fsr-3471	84	24	advisors	advisor	NOUN
fsr-3471	84	25	to	to	PART
fsr-3471	84	26	compare	compare	VERB
fsr-3471	84	27	the	the	DET
fsr-3471	84	28	amount	amount	NOUN
fsr-3471	84	29	of	of	ADP
fsr-3471	84	30	time	time	NOUN
fsr-3471	84	31	and	and	CCONJ
fsr-3471	84	32	effort	effort	NOUN
fsr-3471	84	33	they	they	PRON
fsr-3471	84	34	spend	spend	VERB
fsr-3471	84	35	on	on	ADP
fsr-3471	84	36	their	their	PRON
fsr-3471	84	37	client	client	NOUN
fsr-3471	84	38	portfolios	portfolio	NOUN
fsr-3471	84	39	compared	compare	VERB
fsr-3471	84	40	with	with	ADP
fsr-3471	84	41	time	time	NOUN
fsr-3471	84	42	spent	spend	VERB
fsr-3471	84	43	on	on	ADP
fsr-3471	84	44	their	their	PRON
fsr-3471	84	45	own	own	ADJ
fsr-3471	84	46	portfolios	portfolio	NOUN
fsr-3471	84	47	:	:	PUNCT
fsr-3471	84	48	56	56	NUM
fsr-3471	84	49	%	%	NOUN
fsr-3471	84	50	of	of	ADP
fsr-3471	84	51	advisors	advisor	NOUN
fsr-3471	84	52	spend	spend	VERB
fsr-3471	84	53	the	the	DET
fsr-3471	84	54	same	same	ADJ
fsr-3471	84	55	amount	amount	NOUN
fsr-3471	84	56	of	of	ADP
fsr-3471	84	57	time	time	NOUN
fsr-3471	84	58	on	on	ADP
fsr-3471	84	59	their	their	PRON
fsr-3471	84	60	client	client	NOUN
fsr-3471	84	61	portfolios	portfolio	NOUN
fsr-3471	84	62	as	as	SCONJ
fsr-3471	84	63	they	they	PRON
fsr-3471	84	64	do	do	VERB
fsr-3471	84	65	on	on	ADP
fsr-3471	84	66	their	their	PRON
fsr-3471	84	67	own	own	ADJ
fsr-3471	84	68	,	,	PUNCT
fsr-3471	84	69	and	and	CCONJ
fsr-3471	84	70	only	only	ADV
fsr-3471	84	71	8	8	NUM
fsr-3471	84	72	%	%	NOUN
fsr-3471	84	73	spend	spend	VERB
fsr-3471	84	74	significantly	significantly	ADV
fsr-3471	84	75	more	more	ADJ
fsr-3471	84	76	time	time	NOUN
fsr-3471	84	77	.	.	PUNCT
fsr-3471	85	1	interestingly	interestingly	ADV
fsr-3471	85	2	,	,	PUNCT
fsr-3471	85	3	35	35	NUM
fsr-3471	85	4	%	%	NOUN
fsr-3471	85	5	stated	state	VERB
fsr-3471	85	6	that	that	SCONJ
fsr-3471	85	7	they	they	PRON
fsr-3471	85	8	spend	spend	VERB
fsr-3471	85	9	significantly	significantly	ADV
fsr-3471	85	10	less	less	ADJ
fsr-3471	85	11	time	time	NOUN
fsr-3471	85	12	on	on	ADP
fsr-3471	85	13	their	their	PRON
fsr-3471	85	14	own	own	ADJ
fsr-3471	85	15	portfolio	portfolio	NOUN
fsr-3471	85	16	.	.	PUNCT
fsr-3471	86	1	because	because	SCONJ
fsr-3471	86	2	financial	financial	ADJ
fsr-3471	86	3	advisors	advisor	NOUN
fsr-3471	86	4	sell	sell	VERB
fsr-3471	86	5	professional	professional	ADJ
fsr-3471	86	6	services	service	NOUN
fsr-3471	86	7	and	and	CCONJ
fsr-3471	86	8	experience	experience	NOUN
fsr-3471	86	9	,	,	PUNCT
fsr-3471	86	10	we	we	PRON
fsr-3471	86	11	also	also	ADV
fsr-3471	86	12	expect	expect	VERB
fsr-3471	86	13	advisors	advisor	NOUN
fsr-3471	86	14	to	to	PART
fsr-3471	86	15	use	use	VERB
fsr-3471	86	16	such	such	ADJ
fsr-3471	86	17	services	service	NOUN
fsr-3471	86	18	.	.	PUNCT
fsr-3471	87	1	even	even	ADV
fsr-3471	87	2	though	though	SCONJ
fsr-3471	87	3	advisors	advisor	NOUN
fsr-3471	87	4	have	have	AUX
fsr-3471	87	5	the	the	DET
fsr-3471	87	6	expertise	expertise	NOUN
fsr-3471	87	7	to	to	PART
fsr-3471	87	8	manage	manage	VERB
fsr-3471	87	9	their	their	PRON
fsr-3471	87	10	own	own	ADJ
fsr-3471	87	11	finances	finance	NOUN
fsr-3471	87	12	,	,	PUNCT
fsr-3471	87	13	adding	add	VERB
fsr-3471	87	14	a	a	DET
fsr-3471	87	15	neutral	neutral	ADJ
fsr-3471	87	16	,	,	PUNCT
fsr-3471	87	17	unbiased	unbiased	ADJ
fsr-3471	87	18	third	third	ADJ
fsr-3471	87	19	party	party	NOUN
fsr-3471	87	20	would	would	AUX
fsr-3471	87	21	be	be	AUX
fsr-3471	87	22	very	very	ADV
fsr-3471	87	23	beneficial	beneficial	ADJ
fsr-3471	87	24	for	for	ADP
fsr-3471	87	25	the	the	DET
fsr-3471	87	26	behavioral	behavioral	ADJ
fsr-3471	87	27	aspect	aspect	NOUN
fsr-3471	87	28	of	of	ADP
fsr-3471	87	29	money	money	NOUN
fsr-3471	87	30	management	management	NOUN
fsr-3471	87	31	.	.	PUNCT
fsr-3471	88	1	to	to	PART
fsr-3471	88	2	assess	assess	VERB
fsr-3471	88	3	this	this	DET
fsr-3471	88	4	topic	topic	NOUN
fsr-3471	88	5	,	,	PUNCT
fsr-3471	88	6	we	we	PRON
fsr-3471	88	7	ask	ask	VERB
fsr-3471	88	8	if	if	SCONJ
fsr-3471	88	9	they	they	PRON
fsr-3471	88	10	(	(	PUNCT
fsr-3471	88	11	1	1	X
fsr-3471	88	12	)	)	PUNCT
fsr-3471	88	13	prepare	prepare	VERB
fsr-3471	88	14	their	their	PRON
fsr-3471	88	15	own	own	ADJ
fsr-3471	88	16	taxes	taxis	NOUN
fsr-3471	88	17	table	table	NOUN
fsr-3471	88	18	1	1	NUM
fsr-3471	88	19	descriptive	descriptive	ADJ
fsr-3471	88	20	statistics	statistic	NOUN
fsr-3471	88	21	variables	variable	NOUN
fsr-3471	88	22	mean	mean	VERB
fsr-3471	88	23	standard	standard	ADJ
fsr-3471	88	24	deviation	deviation	NOUN
fsr-3471	88	25	min	min	NOUN
fsr-3471	88	26	max	max	PROPN
fsr-3471	88	27	n	n	PROPN
fsr-3471	89	1	gender	gender	NOUN
fsr-3471	89	2	0.6820	0.6820	NUM
fsr-3471	89	3	0.4672	0.4672	NUM
fsr-3471	89	4	0	0	NUM
fsr-3471	89	5	1	1	NUM
fsr-3471	89	6	123	123	NUM
fsr-3471	89	7	budget	budget	NOUN
fsr-3471	89	8	0.8644	0.8644	NUM
fsr-3471	89	9	0.7151	0.7151	NUM
fsr-3471	89	10	0	0	NUM
fsr-3471	89	11	2	2	NUM
fsr-3471	89	12	118	118	NUM
fsr-3471	89	13	age	age	NOUN
fsr-3471	89	14	2.3220	2.3220	NUM
fsr-3471	89	15	1.2529	1.2529	NUM
fsr-3471	89	16	1	1	NUM
fsr-3471	89	17	5	5	NUM
fsr-3471	89	18	124	124	NUM
fsr-3471	89	19	marriagestatus	marriagestatus	NOUN
fsr-3471	89	20	0.8307	0.8307	NUM
fsr-3471	89	21	0.37658	0.37658	NUM
fsr-3471	89	22	0	0	NUM
fsr-3471	89	23	1	1	NUM
fsr-3471	89	24	124	124	NUM
fsr-3471	89	25	advisortype	advisortype	VERB
fsr-3471	89	26	0.8065	0.8065	NUM
fsr-3471	89	27	0.60723	0.60723	NUM
fsr-3471	89	28	0	0	NUM
fsr-3471	89	29	1	1	NUM
fsr-3471	89	30	124	124	NUM
fsr-3471	89	31	cfpcode	cfpcode	NOUN
fsr-3471	89	32	0.6363	0.6363	NUM
fsr-3471	89	33	0.4830	0.4830	NUM
fsr-3471	89	34	0	0	NUM
fsr-3471	89	35	1	1	NUM
fsr-3471	89	36	121	121	NUM
fsr-3471	89	37	liquidassets	liquidasset	NOUN
fsr-3471	89	38	3.3559	3.3559	NUM
fsr-3471	89	39	1.3173	1.3173	NUM
fsr-3471	89	40	0	0	NUM
fsr-3471	89	41	5	5	NUM
fsr-3471	89	42	118	118	NUM
fsr-3471	89	43	income	income	NOUN
fsr-3471	89	44	3.5213	3.5213	NUM
fsr-3471	89	45	1.3808	1.3808	NUM
fsr-3471	89	46	1	1	NUM
fsr-3471	89	47	5	5	NUM
fsr-3471	89	48	117	117	NUM
fsr-3471	89	49	note	note	NOUN
fsr-3471	89	50	.	.	PUNCT
fsr-3471	90	1	independent	independent	ADJ
fsr-3471	90	2	variables	variable	NOUN
fsr-3471	90	3	are	be	AUX
fsr-3471	90	4	as	as	SCONJ
fsr-3471	90	5	follows	follow	VERB
fsr-3471	90	6	:	:	PUNCT
fsr-3471	90	7	male	male	NOUN
fsr-3471	90	8	is	be	AUX
fsr-3471	90	9	equals	equal	VERB
fsr-3471	90	10	1	1	NUM
fsr-3471	90	11	and	and	CCONJ
fsr-3471	90	12	otherwise	otherwise	ADV
fsr-3471	90	13	,	,	PUNCT
fsr-3471	90	14	0	0	X
fsr-3471	90	15	.	.	PUNCT
fsr-3471	91	1	budget	budget	NOUN
fsr-3471	91	2	is	be	AUX
fsr-3471	91	3	represented	represent	VERB
fsr-3471	91	4	by	by	ADP
fsr-3471	91	5	a	a	DET
fsr-3471	91	6	code	code	NOUN
fsr-3471	91	7	where	where	SCONJ
fsr-3471	91	8	1	1	NUM
fsr-3471	91	9	identifies	identify	VERB
fsr-3471	91	10	advisors	advisor	NOUN
fsr-3471	91	11	who	who	PRON
fsr-3471	91	12	have	have	VERB
fsr-3471	91	13	a	a	DET
fsr-3471	91	14	personal	personal	ADJ
fsr-3471	91	15	budget	budget	NOUN
fsr-3471	91	16	and	and	CCONJ
fsr-3471	91	17	review	review	NOUN
fsr-3471	91	18	is	be	AUX
fsr-3471	91	19	regularly	regularly	ADV
fsr-3471	91	20	,	,	PUNCT
fsr-3471	91	21	2	2	NUM
fsr-3471	91	22	represents	represent	VERB
fsr-3471	91	23	advisors	advisor	NOUN
fsr-3471	91	24	who	who	PRON
fsr-3471	91	25	have	have	VERB
fsr-3471	91	26	a	a	DET
fsr-3471	91	27	budget	budget	NOUN
fsr-3471	91	28	but	but	CCONJ
fsr-3471	91	29	do	do	AUX
fsr-3471	91	30	not	not	PART
fsr-3471	91	31	review	review	VERB
fsr-3471	91	32	is	be	AUX
fsr-3471	91	33	regularly	regularly	ADV
fsr-3471	91	34	and	and	CCONJ
fsr-3471	91	35	0	0	NUM
fsr-3471	91	36	,	,	PUNCT
fsr-3471	91	37	advisors	advisor	NOUN
fsr-3471	91	38	who	who	PRON
fsr-3471	91	39	do	do	AUX
fsr-3471	91	40	not	not	PART
fsr-3471	91	41	have	have	VERB
fsr-3471	91	42	a	a	DET
fsr-3471	91	43	formal	formal	ADJ
fsr-3471	91	44	budget	budget	NOUN
fsr-3471	91	45	for	for	ADP
fsr-3471	91	46	themselves	themselves	PRON
fsr-3471	91	47	.	.	PUNCT
fsr-3471	92	1	age	age	NOUN
fsr-3471	92	2	is	be	AUX
fsr-3471	92	3	represented	represent	VERB
fsr-3471	92	4	by	by	ADP
fsr-3471	92	5	a	a	DET
fsr-3471	92	6	code	code	NOUN
fsr-3471	92	7	from	from	ADP
fsr-3471	92	8	1	1	NUM
fsr-3471	92	9	to	to	ADP
fsr-3471	92	10	5	5	NUM
fsr-3471	92	11	where	where	SCONJ
fsr-3471	92	12	one	one	NOUN
fsr-3471	92	13	is	be	AUX
fsr-3471	92	14	less	less	ADJ
fsr-3471	92	15	than	than	ADP
fsr-3471	92	16	35	35	NUM
fsr-3471	92	17	,	,	PUNCT
fsr-3471	92	18	two	two	NUM
fsr-3471	92	19	is	be	AUX
fsr-3471	92	20	36–45	36–45	NUM
fsr-3471	92	21	,	,	PUNCT
fsr-3471	92	22	three	three	NUM
fsr-3471	92	23	is	be	AUX
fsr-3471	92	24	46	46	NUM
fsr-3471	92	25	-	-	SYM
fsr-3471	92	26	64	64	NUM
fsr-3471	92	27	,	,	PUNCT
fsr-3471	92	28	four	four	NUM
fsr-3471	92	29	is	be	AUX
fsr-3471	92	30	55	55	NUM
fsr-3471	92	31	-	-	SYM
fsr-3471	92	32	64	64	NUM
fsr-3471	92	33	,	,	PUNCT
fsr-3471	92	34	and	and	CCONJ
fsr-3471	92	35	five	five	NUM
fsr-3471	92	36	is	be	AUX
fsr-3471	92	37	over	over	ADP
fsr-3471	92	38	65	65	NUM
fsr-3471	92	39	.	.	PUNCT
fsr-3471	93	1	marriagestatus	marriagestatus	PROPN
fsr-3471	93	2	is	be	AUX
fsr-3471	93	3	equal	equal	ADJ
fsr-3471	93	4	to	to	ADP
fsr-3471	93	5	1	1	NUM
fsr-3471	93	6	if	if	SCONJ
fsr-3471	93	7	married	married	ADJ
fsr-3471	93	8	and	and	CCONJ
fsr-3471	93	9	0	0	NUM
fsr-3471	93	10	otherwise	otherwise	ADV
fsr-3471	93	11	.	.	PUNCT
fsr-3471	94	1	advisortype	advisortype	PROPN
fsr-3471	94	2	is	be	AUX
fsr-3471	94	3	equal	equal	ADJ
fsr-3471	94	4	to	to	ADP
fsr-3471	94	5	1	1	NUM
fsr-3471	94	6	if	if	SCONJ
fsr-3471	94	7	the	the	DET
fsr-3471	94	8	person	person	NOUN
fsr-3471	94	9	is	be	AUX
fsr-3471	94	10	a	a	DET
fsr-3471	94	11	comprehensive	comprehensive	ADJ
fsr-3471	94	12	financial	financial	ADJ
fsr-3471	94	13	planner	planner	NOUN
fsr-3471	94	14	and	and	CCONJ
fsr-3471	94	15	0	0	NUM
fsr-3471	94	16	otherwise	otherwise	ADV
fsr-3471	94	17	.	.	PUNCT
fsr-3471	95	1	cfpcode	cfpcode	NOUN
fsr-3471	95	2	is	be	AUX
fsr-3471	95	3	equal	equal	ADJ
fsr-3471	95	4	to	to	ADP
fsr-3471	95	5	one	one	NUM
fsr-3471	95	6	if	if	SCONJ
fsr-3471	95	7	the	the	DET
fsr-3471	95	8	person	person	NOUN
fsr-3471	95	9	is	be	AUX
fsr-3471	95	10	a	a	DET
fsr-3471	95	11	cfp	cfp	NOUN
fsr-3471	95	12	and	and	CCONJ
fsr-3471	95	13	0	0	NUM
fsr-3471	95	14	otherwise	otherwise	ADV
fsr-3471	95	15	.	.	PUNCT
fsr-3471	96	1	liquid	liquid	ADJ
fsr-3471	96	2	assets	asset	NOUN
fsr-3471	96	3	range	range	VERB
fsr-3471	96	4	between	between	ADP
fsr-3471	96	5	1	1	NUM
fsr-3471	96	6	to	to	ADP
fsr-3471	96	7	5	5	NUM
fsr-3471	96	8	,	,	PUNCT
fsr-3471	96	9	depending	depend	VERB
fsr-3471	96	10	on	on	ADP
fsr-3471	96	11	the	the	DET
fsr-3471	96	12	amount	amount	NOUN
fsr-3471	96	13	of	of	ADP
fsr-3471	96	14	available	available	ADJ
fsr-3471	96	15	assets	asset	NOUN
fsr-3471	96	16	.	.	PUNCT
fsr-3471	97	1	one	one	NUM
fsr-3471	97	2	is	be	AUX
fsr-3471	97	3	less	less	ADJ
fsr-3471	97	4	than	than	ADP
fsr-3471	97	5	$	$	SYM
fsr-3471	97	6	3,000	3,000	NUM
fsr-3471	97	7	,	,	PUNCT
fsr-3471	97	8	two	two	NUM
fsr-3471	97	9	is	be	AUX
fsr-3471	97	10	between	between	ADP
fsr-3471	97	11	$	$	SYM
fsr-3471	97	12	3,000-$10,000	3,000-$10,000	NUM
fsr-3471	97	13	,	,	PUNCT
fsr-3471	97	14	three	three	NUM
fsr-3471	97	15	is	be	AUX
fsr-3471	97	16	$	$	SYM
fsr-3471	97	17	10,000-$20,000	10,000-$20,000	NUM
fsr-3471	97	18	,	,	PUNCT
fsr-3471	97	19	four	four	NUM
fsr-3471	97	20	is	be	AUX
fsr-3471	97	21	$	$	SYM
fsr-3471	97	22	20,000	20,000	NUM
fsr-3471	97	23	to	to	PART
fsr-3471	97	24	$	$	SYM
fsr-3471	97	25	50,000	50,000	NUM
fsr-3471	97	26	,	,	PUNCT
fsr-3471	97	27	and	and	CCONJ
fsr-3471	97	28	five	five	NUM
fsr-3471	97	29	is	be	AUX
fsr-3471	97	30	more	more	ADJ
fsr-3471	97	31	than	than	ADP
fsr-3471	97	32	$	$	SYM
fsr-3471	97	33	50,000	50,000	NUM
fsr-3471	97	34	.	.	PUNCT
fsr-3471	98	1	income	income	NOUN
fsr-3471	98	2	is	be	AUX
fsr-3471	98	3	a	a	DET
fsr-3471	98	4	range	range	NOUN
fsr-3471	98	5	between	between	ADP
fsr-3471	98	6	one	one	NUM
fsr-3471	98	7	and	and	CCONJ
fsr-3471	98	8	five	five	NUM
fsr-3471	98	9	where	where	SCONJ
fsr-3471	98	10	one	one	PRON
fsr-3471	98	11	represents	represent	VERB
fsr-3471	98	12	less	less	ADJ
fsr-3471	98	13	than	than	ADP
fsr-3471	98	14	$	$	SYM
fsr-3471	98	15	50,000	50,000	NUM
fsr-3471	98	16	per	per	ADP
fsr-3471	98	17	year	year	NOUN
fsr-3471	98	18	,	,	PUNCT
fsr-3471	98	19	two	two	NUM
fsr-3471	98	20	represents	represent	VERB
fsr-3471	98	21	$	$	SYM
fsr-3471	98	22	50,000-$100,000	50,000-$100,000	NUM
fsr-3471	98	23	,	,	PUNCT
fsr-3471	98	24	three	three	NUM
fsr-3471	98	25	represents	represent	VERB
fsr-3471	98	26	$	$	SYM
fsr-3471	98	27	100,000-$150,000	100,000-$150,000	NUM
fsr-3471	98	28	,	,	PUNCT
fsr-3471	98	29	four	four	NUM
fsr-3471	98	30	represents	represent	VERB
fsr-3471	98	31	$	$	SYM
fsr-3471	98	32	150,000-$200,000	150,000-$200,000	NUM
fsr-3471	98	33	,	,	PUNCT
fsr-3471	98	34	and	and	CCONJ
fsr-3471	98	35	five	five	NUM
fsr-3471	98	36	represents	represent	VERB
fsr-3471	98	37	more	more	ADJ
fsr-3471	98	38	than	than	ADP
fsr-3471	98	39	$	$	SYM
fsr-3471	98	40	200,000	200,000	NUM
fsr-3471	98	41	.	.	PUNCT
fsr-3471	99	1	n.	n.	PROPN
fsr-3471	99	2	azamian	azamian	PROPN
fsr-3471	99	3	et	et	PROPN
fsr-3471	99	4	al	al	PROPN
fsr-3471	99	5	.	.	PUNCT
fsr-3471	99	6	/	/	SYM
fsr-3471	99	7	financial	financial	ADJ
fsr-3471	99	8	services	service	NOUN
fsr-3471	99	9	review	review	VERB
fsr-3471	99	10	30	30	NUM
fsr-3471	99	11	(	(	PUNCT
fsr-3471	99	12	2022	2022	NUM
fsr-3471	99	13	)	)	PUNCT
fsr-3471	99	14	57–68	57–68	NUM
fsr-3471	99	15	61	61	NUM
fsr-3471	99	16	and	and	CCONJ
fsr-3471	99	17	(	(	PUNCT
fsr-3471	99	18	2	2	X
fsr-3471	99	19	)	)	PUNCT
fsr-3471	99	20	use	use	VERB
fsr-3471	99	21	a	a	DET
fsr-3471	99	22	financial	financial	ADJ
fsr-3471	99	23	advisor	advisor	NOUN
fsr-3471	99	24	themselves	themselve	NOUN
fsr-3471	99	25	;	;	PUNCT
fsr-3471	99	26	45	45	NUM
fsr-3471	99	27	%	%	NOUN
fsr-3471	99	28	of	of	ADP
fsr-3471	99	29	respondents	respondent	NOUN
fsr-3471	99	30	have	have	VERB
fsr-3471	99	31	someone	someone	PRON
fsr-3471	99	32	else	else	ADV
fsr-3471	99	33	to	to	PART
fsr-3471	99	34	do	do	VERB
fsr-3471	99	35	their	their	PRON
fsr-3471	99	36	taxes	taxis	NOUN
fsr-3471	99	37	while	while	SCONJ
fsr-3471	99	38	55	55	NUM
fsr-3471	99	39	%	%	NOUN
fsr-3471	99	40	prepare	prepare	VERB
fsr-3471	99	41	their	their	PRON
fsr-3471	99	42	own	own	ADJ
fsr-3471	99	43	.	.	PUNCT
fsr-3471	100	1	of	of	ADP
fsr-3471	100	2	the	the	DET
fsr-3471	100	3	advisors	advisor	NOUN
fsr-3471	100	4	who	who	PRON
fsr-3471	100	5	prepare	prepare	VERB
fsr-3471	100	6	their	their	PRON
fsr-3471	100	7	own	own	ADJ
fsr-3471	100	8	taxes	taxis	NOUN
fsr-3471	100	9	,	,	PUNCT
fsr-3471	100	10	only	only	ADV
fsr-3471	100	11	33	33	NUM
fsr-3471	100	12	%	%	NOUN
fsr-3471	100	13	have	have	VERB
fsr-3471	100	14	a	a	DET
fsr-3471	100	15	tax	tax	NOUN
fsr-3471	100	16	qualification	qualification	NOUN
fsr-3471	100	17	like	like	ADP
fsr-3471	100	18	an	an	DET
fsr-3471	100	19	ea	ea	NOUN
fsr-3471	100	20	or	or	CCONJ
fsr-3471	100	21	cpa	cpa	NOUN
fsr-3471	100	22	.	.	PUNCT
fsr-3471	101	1	by	by	ADP
fsr-3471	101	2	comparison	comparison	NOUN
fsr-3471	101	3	,	,	PUNCT
fsr-3471	101	4	only	only	ADV
fsr-3471	101	5	10	10	NUM
fsr-3471	101	6	%	%	NOUN
fsr-3471	101	7	of	of	ADP
fsr-3471	101	8	advisors	advisor	NOUN
fsr-3471	101	9	have	have	VERB
fsr-3471	101	10	their	their	PRON
fsr-3471	101	11	own	own	ADJ
fsr-3471	101	12	financial	financial	ADJ
fsr-3471	101	13	advisor	advisor	NOUN
fsr-3471	101	14	.	.	PUNCT
fsr-3471	102	1	for	for	ADP
fsr-3471	102	2	the	the	DET
fsr-3471	102	3	general	general	ADJ
fsr-3471	102	4	population	population	NOUN
fsr-3471	102	5	,	,	PUNCT
fsr-3471	102	6	33	33	NUM
fsr-3471	102	7	%	%	NOUN
fsr-3471	102	8	file	file	VERB
fsr-3471	102	9	their	their	PRON
fsr-3471	102	10	own	own	ADJ
fsr-3471	102	11	taxes	taxis	NOUN
fsr-3471	102	12	and	and	CCONJ
fsr-3471	102	13	75	75	NUM
fsr-3471	102	14	%	%	NOUN
fsr-3471	102	15	manage	manage	VERB
fsr-3471	102	16	their	their	PRON
fsr-3471	102	17	own	own	ADJ
fsr-3471	102	18	finances.10,11	finances.10,11	NOUN
fsr-3471	102	19	we	we	PRON
fsr-3471	102	20	also	also	ADV
fsr-3471	102	21	ask	ask	VERB
fsr-3471	102	22	advisors	advisor	NOUN
fsr-3471	102	23	if	if	SCONJ
fsr-3471	102	24	they	they	PRON
fsr-3471	102	25	had	have	AUX
fsr-3471	102	26	made	make	VERB
fsr-3471	102	27	a	a	DET
fsr-3471	102	28	financial	financial	ADJ
fsr-3471	102	29	decision	decision	NOUN
fsr-3471	102	30	in	in	ADP
fsr-3471	102	31	the	the	DET
fsr-3471	102	32	past	past	NOUN
fsr-3471	102	33	that	that	PRON
fsr-3471	102	34	was	be	AUX
fsr-3471	102	35	different	different	ADJ
fsr-3471	102	36	from	from	ADP
fsr-3471	102	37	the	the	DET
fsr-3471	102	38	advice	advice	NOUN
fsr-3471	102	39	they	they	PRON
fsr-3471	102	40	disperse	disperse	VERB
fsr-3471	102	41	to	to	ADP
fsr-3471	102	42	their	their	PRON
fsr-3471	102	43	clients	client	NOUN
fsr-3471	102	44	;	;	PUNCT
fsr-3471	102	45	50	50	NUM
fsr-3471	102	46	%	%	NOUN
fsr-3471	102	47	of	of	ADP
fsr-3471	102	48	the	the	DET
fsr-3471	102	49	respondents	respondent	NOUN
fsr-3471	102	50	answered	answer	VERB
fsr-3471	102	51	yes	yes	INTJ
fsr-3471	102	52	.	.	PUNCT
fsr-3471	103	1	the	the	DET
fsr-3471	103	2	most	most	ADV
fsr-3471	103	3	common	common	ADJ
fsr-3471	103	4	mistakes	mistake	NOUN
fsr-3471	103	5	are	be	AUX
fsr-3471	103	6	(	(	PUNCT
fsr-3471	103	7	1	1	X
fsr-3471	103	8	)	)	PUNCT
fsr-3471	103	9	not	not	PART
fsr-3471	103	10	avoiding	avoid	VERB
fsr-3471	103	11	debt	debt	NOUN
fsr-3471	103	12	,	,	PUNCT
fsr-3471	103	13	and	and	CCONJ
fsr-3471	103	14	particularly	particularly	ADV
fsr-3471	103	15	accumulating	accumulate	VERB
fsr-3471	103	16	credit	credit	NOUN
fsr-3471	103	17	card	card	NOUN
fsr-3471	103	18	debt	debt	NOUN
fsr-3471	103	19	,	,	PUNCT
fsr-3471	103	20	(	(	PUNCT
fsr-3471	103	21	2	2	X
fsr-3471	103	22	)	)	PUNCT
fsr-3471	103	23	having	have	VERB
fsr-3471	103	24	investments	investment	NOUN
fsr-3471	103	25	they	they	PRON
fsr-3471	103	26	would	would	AUX
fsr-3471	103	27	not	not	PART
fsr-3471	103	28	include	include	VERB
fsr-3471	103	29	in	in	ADP
fsr-3471	103	30	their	their	PRON
fsr-3471	103	31	clients	client	NOUN
fsr-3471	103	32	’	’	PART
fsr-3471	103	33	portfolios	portfolio	NOUN
fsr-3471	103	34	,	,	PUNCT
fsr-3471	103	35	(	(	PUNCT
fsr-3471	103	36	3	3	X
fsr-3471	103	37	)	)	PUNCT
fsr-3471	103	38	buying	buy	VERB
fsr-3471	103	39	a	a	DET
fsr-3471	103	40	house	house	NOUN
fsr-3471	103	41	with	with	ADP
fsr-3471	103	42	a	a	DET
fsr-3471	103	43	very	very	ADV
fsr-3471	103	44	low	low	ADJ
fsr-3471	103	45	-	-	PUNCT
fsr-3471	103	46	down	down	ADP
fsr-3471	103	47	payment	payment	NOUN
fsr-3471	103	48	while	while	SCONJ
fsr-3471	103	49	on	on	ADP
fsr-3471	103	50	a	a	DET
fsr-3471	103	51	strict	strict	ADJ
fsr-3471	103	52	budget	budget	NOUN
fsr-3471	103	53	(	(	PUNCT
fsr-3471	103	54	house	house	NOUN
fsr-3471	103	55	poor	poor	ADJ
fsr-3471	103	56	)	)	PUNCT
fsr-3471	103	57	,	,	PUNCT
fsr-3471	103	58	and	and	CCONJ
fsr-3471	103	59	(	(	PUNCT
fsr-3471	103	60	4	4	X
fsr-3471	103	61	)	)	PUNCT
fsr-3471	103	62	cashing	cash	VERB
fsr-3471	103	63	out	out	ADP
fsr-3471	103	64	a	a	DET
fsr-3471	103	65	roth	roth	PROPN
fsr-3471	103	66	ira	ira	PROPN
fsr-3471	103	67	.	.	PROPN
fsr-3471	104	1	exhibit	exhibit	PROPN
fsr-3471	104	2	1	1	NUM
fsr-3471	104	3	summarizes	summarize	NOUN
fsr-3471	104	4	the	the	DET
fsr-3471	104	5	differences	difference	NOUN
fsr-3471	104	6	in	in	ADP
fsr-3471	104	7	financial	financial	ADJ
fsr-3471	104	8	planning	planning	NOUN
fsr-3471	104	9	behavior	behavior	NOUN
fsr-3471	104	10	between	between	ADP
fsr-3471	104	11	our	our	PRON
fsr-3471	104	12	sample	sample	NOUN
fsr-3471	104	13	of	of	ADP
fsr-3471	104	14	financial	financial	ADJ
fsr-3471	104	15	advisors	advisor	NOUN
fsr-3471	104	16	and	and	CCONJ
fsr-3471	104	17	the	the	DET
fsr-3471	104	18	general	general	ADJ
fsr-3471	104	19	population	population	NOUN
fsr-3471	104	20	3.2	3.2	NUM
fsr-3471	104	21	.	.	PUNCT
fsr-3471	105	1	multivariate	multivariate	NOUN
fsr-3471	105	2	analysis	analysis	NOUN
fsr-3471	105	3	table	table	NOUN
fsr-3471	105	4	2	2	NUM
fsr-3471	105	5	presents	present	VERB
fsr-3471	105	6	the	the	DET
fsr-3471	105	7	regression	regression	NOUN
fsr-3471	105	8	results	result	NOUN
fsr-3471	105	9	.	.	PUNCT
fsr-3471	106	1	the	the	DET
fsr-3471	106	2	dependent	dependent	ADJ
fsr-3471	106	3	variables	variable	NOUN
fsr-3471	106	4	are	be	AUX
fsr-3471	106	5	as	as	SCONJ
fsr-3471	106	6	follows	follow	VERB
fsr-3471	106	7	:	:	PUNCT
fsr-3471	106	8	the	the	DET
fsr-3471	106	9	existence	existence	NOUN
fsr-3471	106	10	and	and	CCONJ
fsr-3471	106	11	enforcement	enforcement	NOUN
fsr-3471	106	12	of	of	ADP
fsr-3471	106	13	a	a	DET
fsr-3471	106	14	budget	budget	NOUN
fsr-3471	106	15	in	in	ADP
fsr-3471	106	16	model	model	NOUN
fsr-3471	106	17	1	1	NUM
fsr-3471	106	18	,	,	PUNCT
fsr-3471	106	19	the	the	DET
fsr-3471	106	20	amount	amount	NOUN
fsr-3471	106	21	of	of	ADP
fsr-3471	106	22	liquid	liquid	ADJ
fsr-3471	106	23	assets	asset	NOUN
fsr-3471	106	24	in	in	ADP
fsr-3471	106	25	model	model	NOUN
fsr-3471	106	26	2	2	NUM
fsr-3471	106	27	,	,	PUNCT
fsr-3471	106	28	the	the	DET
fsr-3471	106	29	assessment	assessment	NOUN
fsr-3471	106	30	of	of	ADP
fsr-3471	106	31	insurance	insurance	NOUN
fsr-3471	106	32	needs	need	NOUN
fsr-3471	106	33	in	in	ADP
fsr-3471	106	34	model	model	NOUN
fsr-3471	106	35	3	3	NUM
fsr-3471	106	36	,	,	PUNCT
fsr-3471	106	37	the	the	DET
fsr-3471	106	38	amount	amount	NOUN
fsr-3471	106	39	of	of	ADP
fsr-3471	106	40	credit	credit	NOUN
fsr-3471	106	41	card	card	NOUN
fsr-3471	106	42	debt	debt	NOUN
fsr-3471	106	43	in	in	ADP
fsr-3471	106	44	model	model	NOUN
fsr-3471	106	45	4	4	NUM
fsr-3471	106	46	,	,	PUNCT
fsr-3471	106	47	and	and	CCONJ
fsr-3471	106	48	the	the	DET
fsr-3471	106	49	existence	existence	NOUN
fsr-3471	106	50	of	of	ADP
fsr-3471	106	51	an	an	DET
fsr-3471	106	52	estate	estate	NOUN
fsr-3471	106	53	plan	plan	NOUN
fsr-3471	106	54	in	in	ADP
fsr-3471	106	55	model	model	NOUN
fsr-3471	106	56	5	5	NUM
fsr-3471	106	57	.	.	PUNCT
fsr-3471	106	58	models	model	NOUN
fsr-3471	106	59	6	6	NUM
fsr-3471	106	60	and	and	CCONJ
fsr-3471	106	61	7	7	NUM
fsr-3471	106	62	break	break	VERB
fsr-3471	106	63	the	the	DET
fsr-3471	106	64	existence	existence	NOUN
fsr-3471	106	65	of	of	ADP
fsr-3471	106	66	an	an	DET
fsr-3471	106	67	estate	estate	NOUN
fsr-3471	106	68	plan	plan	NOUN
fsr-3471	106	69	into	into	ADP
fsr-3471	106	70	questions	question	NOUN
fsr-3471	106	71	regarding	regard	VERB
fsr-3471	106	72	whether	whether	SCONJ
fsr-3471	106	73	the	the	DET
fsr-3471	106	74	spouse	spouse	NOUN
fsr-3471	106	75	knows	know	VERB
fsr-3471	106	76	about	about	ADP
fsr-3471	106	77	how	how	SCONJ
fsr-3471	106	78	to	to	PART
fsr-3471	106	79	access	access	VERB
fsr-3471	106	80	financial	financial	ADJ
fsr-3471	106	81	sources	source	NOUN
fsr-3471	106	82	:	:	PUNCT
fsr-3471	106	83	cnbc	cnbc	PROPN
fsr-3471	106	84	,	,	PUNCT
fsr-3471	106	85	debt.com	debt.com	X
fsr-3471	106	86	,	,	PUNCT
fsr-3471	106	87	gobankingrates	gobankingrate	NOUN
fsr-3471	106	88	,	,	PUNCT
fsr-3471	106	89	people	people	NOUN
fsr-3471	106	90	press	press	VERB
fsr-3471	106	91	,	,	PUNCT
fsr-3471	106	92	wells	wells	PROPN
fsr-3471	106	93	fargo	fargo	PROPN
fsr-3471	106	94	62	62	NUM
fsr-3471	106	95	n.	n.	NOUN
fsr-3471	106	96	azamian	azamian	PROPN
fsr-3471	106	97	et	et	PROPN
fsr-3471	106	98	al	al	PROPN
fsr-3471	106	99	.	.	PUNCT
fsr-3471	106	100	/	/	SYM
fsr-3471	106	101	financial	financial	ADJ
fsr-3471	106	102	services	service	NOUN
fsr-3471	106	103	review	review	VERB
fsr-3471	106	104	30	30	NUM
fsr-3471	106	105	(	(	PUNCT
fsr-3471	106	106	2022	2022	NUM
fsr-3471	106	107	)	)	PUNCT
fsr-3471	107	1	57–68	57–68	NUM
fsr-3471	107	2	t	t	NOUN
fsr-3471	107	3	ab	ab	PROPN
fsr-3471	107	4	le	le	PROPN
fsr-3471	107	5	2	2	NUM
fsr-3471	107	6	f	f	X
fsr-3471	107	7	in	in	ADP
fsr-3471	107	8	an	an	DET
fsr-3471	107	9	ci	ci	NOUN
fsr-3471	107	10	al	al	PROPN
fsr-3471	107	11	p	p	PROPN
fsr-3471	107	12	la	la	PROPN
fsr-3471	107	13	n	n	CCONJ
fsr-3471	107	14	n	n	NOUN
fsr-3471	107	15	in	in	ADP
fsr-3471	107	16	g	g	PROPN
fsr-3471	107	17	v	v	NUM
fsr-3471	107	18	ar	ar	PROPN
fsr-3471	107	19	ia	ia	PROPN
fsr-3471	107	20	b	b	PROPN
fsr-3471	107	21	le	le	X
fsr-3471	107	22	s	s	NOUN
fsr-3471	107	23	m	m	NOUN
fsr-3471	107	24	o	o	X
fsr-3471	107	25	d	d	X
fsr-3471	107	26	el	el	PROPN
fsr-3471	107	27	1	1	NUM
fsr-3471	107	28	co	co	NOUN
fsr-3471	107	29	ef	ef	PROPN
fsr-3471	107	30	fi	fi	PROPN
fsr-3471	107	31	ci	ci	PROPN
fsr-3471	107	32	en	en	ADP
fsr-3471	107	33	t	t	PROPN
fsr-3471	107	34	p	p	X
fsr-3471	107	35	-v	-v	PUNCT
fsr-3471	107	36	al	al	PROPN
fsr-3471	107	37	u	u	PROPN
fsr-3471	107	38	e	e	NOUN
fsr-3471	107	39	m	m	NOUN
fsr-3471	107	40	o	o	X
fsr-3471	107	41	d	d	X
fsr-3471	107	42	el	el	PROPN
fsr-3471	107	43	2	2	NUM
fsr-3471	107	44	co	co	NOUN
fsr-3471	107	45	ef	ef	PROPN
fsr-3471	107	46	fi	fi	PROPN
fsr-3471	107	47	ci	ci	PROPN
fsr-3471	107	48	en	en	ADP
fsr-3471	107	49	t	t	PROPN
fsr-3471	107	50	p	p	X
fsr-3471	107	51	-v	-v	PUNCT
fsr-3471	107	52	al	al	PROPN
fsr-3471	107	53	u	u	PROPN
fsr-3471	107	54	e	e	NOUN
fsr-3471	107	55	m	m	NOUN
fsr-3471	107	56	o	o	X
fsr-3471	107	57	d	d	X
fsr-3471	107	58	el	el	PROPN
fsr-3471	107	59	3	3	NUM
fsr-3471	107	60	co	co	X
fsr-3471	107	61	ef	ef	PROPN
fsr-3471	107	62	fi	fi	PROPN
fsr-3471	107	63	ci	ci	PROPN
fsr-3471	107	64	en	en	ADP
fsr-3471	107	65	t	t	PROPN
fsr-3471	107	66	p	p	X
fsr-3471	107	67	-v	-v	PUNCT
fsr-3471	107	68	al	al	PROPN
fsr-3471	107	69	u	u	PROPN
fsr-3471	107	70	e	e	NOUN
fsr-3471	107	71	m	m	NOUN
fsr-3471	107	72	o	o	X
fsr-3471	107	73	d	d	X
fsr-3471	107	74	el	el	PROPN
fsr-3471	107	75	4	4	NUM
fsr-3471	107	76	co	co	NOUN
fsr-3471	107	77	ef	ef	PROPN
fsr-3471	107	78	fi	fi	PROPN
fsr-3471	107	79	ci	ci	PROPN
fsr-3471	107	80	en	en	ADP
fsr-3471	107	81	t	t	PROPN
fsr-3471	107	82	p	p	X
fsr-3471	107	83	-v	-v	PUNCT
fsr-3471	107	84	al	al	PROPN
fsr-3471	107	85	u	u	PROPN
fsr-3471	107	86	e	e	NOUN
fsr-3471	107	87	m	m	NOUN
fsr-3471	107	88	o	o	X
fsr-3471	107	89	d	d	X
fsr-3471	107	90	el	el	PROPN
fsr-3471	107	91	5	5	NUM
fsr-3471	107	92	co	co	NOUN
fsr-3471	107	93	ef	ef	PROPN
fsr-3471	107	94	fi	fi	PROPN
fsr-3471	107	95	ci	ci	PROPN
fsr-3471	107	96	en	en	ADP
fsr-3471	107	97	t	t	PROPN
fsr-3471	107	98	p	p	X
fsr-3471	107	99	-v	-v	PUNCT
fsr-3471	107	100	al	al	PROPN
fsr-3471	107	101	u	u	PROPN
fsr-3471	107	102	e	e	NOUN
fsr-3471	107	103	m	m	NOUN
fsr-3471	107	104	o	o	X
fsr-3471	107	105	d	d	X
fsr-3471	107	106	el	el	PROPN
fsr-3471	107	107	6	6	NUM
fsr-3471	107	108	co	co	NOUN
fsr-3471	107	109	ef	ef	PROPN
fsr-3471	107	110	fi	fi	PROPN
fsr-3471	107	111	ci	ci	PROPN
fsr-3471	107	112	en	en	ADP
fsr-3471	107	113	t	t	PROPN
fsr-3471	107	114	p	p	X
fsr-3471	107	115	-v	-v	PUNCT
fsr-3471	107	116	al	al	PROPN
fsr-3471	107	117	u	u	PROPN
fsr-3471	107	118	e	e	NOUN
fsr-3471	107	119	m	m	NOUN
fsr-3471	107	120	o	o	X
fsr-3471	107	121	d	d	X
fsr-3471	107	122	el	el	PROPN
fsr-3471	107	123	7	7	NUM
fsr-3471	107	124	co	co	X
fsr-3471	107	125	ef	ef	PROPN
fsr-3471	107	126	fi	fi	PROPN
fsr-3471	107	127	ci	ci	PROPN
fsr-3471	107	128	en	en	ADP
fsr-3471	107	129	t	t	PROPN
fsr-3471	107	130	p	p	X
fsr-3471	107	131	-v	-v	PUNCT
fsr-3471	107	132	al	al	PROPN
fsr-3471	107	133	u	u	PROPN
fsr-3471	107	134	e	e	PROPN
fsr-3471	107	135	g	g	PROPN
fsr-3471	107	136	en	en	PROPN
fsr-3471	107	137	d	d	PROPN
fsr-3471	107	138	er	er	INTJ
fsr-3471	107	139	�	�	PROPN
fsr-3471	107	140	0	0	NUM
fsr-3471	107	141	.0	.0	NUM
fsr-3471	107	142	0	0	NUM
fsr-3471	107	143	2	2	NUM
fsr-3471	107	144	�	�	NOUN
fsr-3471	107	145	0	0	NUM
fsr-3471	107	146	.2	.2	NUM
fsr-3471	107	147	9	9	NUM
fsr-3471	107	148	4	4	NUM
fsr-3471	107	149	�	�	NOUN
fsr-3471	107	150	0	0	NUM
fsr-3471	107	151	.3	.3	NUM
fsr-3471	107	152	1	1	NUM
fsr-3471	107	153	5	5	NUM
fsr-3471	107	154	�	�	NOUN
fsr-3471	107	155	0	0	NUM
fsr-3471	107	156	.0	.0	NUM
fsr-3471	107	157	3	3	NUM
fsr-3471	107	158	8	8	NUM
fsr-3471	107	159	0	0	NUM
fsr-3471	107	160	.1	.1	NUM
fsr-3471	107	161	9	9	NUM
fsr-3471	107	162	2	2	NUM
fsr-3471	107	163	�	�	NOUN
fsr-3471	107	164	0	0	NUM
fsr-3471	107	165	.3	.3	NUM
fsr-3471	107	166	2	2	NUM
fsr-3471	107	167	2	2	NUM
fsr-3471	107	168	�	�	PROPN
fsr-3471	107	169	0	0	NUM
fsr-3471	107	170	.0	.0	NUM
fsr-3471	107	171	6	6	NUM
fsr-3471	107	172	2	2	NUM
fsr-3471	107	173	(	(	PUNCT
fsr-3471	107	174	0	0	NUM
fsr-3471	107	175	.9	.9	NUM
fsr-3471	107	176	9	9	NUM
fsr-3471	107	177	1	1	NUM
fsr-3471	107	178	)	)	PUNCT
fsr-3471	107	179	(	(	PUNCT
fsr-3471	107	180	0	0	NUM
fsr-3471	107	181	.3	.3	NUM
fsr-3471	107	182	3	3	NUM
fsr-3471	107	183	2	2	NUM
fsr-3471	107	184	)	)	PUNCT
fsr-3471	107	185	(	(	PUNCT
fsr-3471	107	186	0	0	NUM
fsr-3471	107	187	.1	.1	NUM
fsr-3471	107	188	0	0	NUM
fsr-3471	107	189	3	3	NUM
fsr-3471	107	190	)	)	PUNCT
fsr-3471	107	191	(	(	PUNCT
fsr-3471	107	192	0	0	NUM
fsr-3471	107	193	.8	.8	NUM
fsr-3471	107	194	4	4	NUM
fsr-3471	107	195	2	2	NUM
fsr-3471	107	196	)	)	PUNCT
fsr-3471	107	197	(	(	PUNCT
fsr-3471	107	198	0	0	NUM
fsr-3471	107	199	.4	.4	NUM
fsr-3471	107	200	0	0	NUM
fsr-3471	107	201	4	4	NUM
fsr-3471	107	202	)	)	PUNCT
fsr-3471	107	203	(	(	PUNCT
fsr-3471	107	204	0	0	NUM
fsr-3471	107	205	.1	.1	NUM
fsr-3471	107	206	1	1	NUM
fsr-3471	107	207	2	2	NUM
fsr-3471	107	208	)	)	PUNCT
fsr-3471	107	209	(	(	PUNCT
fsr-3471	107	210	0	0	NUM
fsr-3471	107	211	.7	.7	NUM
fsr-3471	107	212	2	2	NUM
fsr-3471	107	213	0	0	NUM
fsr-3471	107	214	)	)	PUNCT
fsr-3471	107	215	a	a	DET
fsr-3471	107	216	g	g	PROPN
fsr-3471	107	217	e	e	NOUN
fsr-3471	107	218	�	�	PROPN
fsr-3471	107	219	0	0	PROPN
fsr-3471	107	220	.1	.1	NUM
fsr-3471	107	221	2	2	NUM
fsr-3471	107	222	7	7	NUM
fsr-3471	107	223	0	0	NUM
fsr-3471	107	224	.1	.1	NUM
fsr-3471	107	225	8	8	NUM
fsr-3471	107	226	4	4	NUM
fsr-3471	107	227	0	0	NUM
fsr-3471	107	228	.0	.0	NUM
fsr-3471	107	229	3	3	NUM
fsr-3471	107	230	4	4	NUM
fsr-3471	107	231	0	0	NUM
fsr-3471	107	232	.0	.0	NUM
fsr-3471	107	233	6	6	NUM
fsr-3471	107	234	3	3	NUM
fsr-3471	107	235	0	0	NUM
fsr-3471	107	236	.3	.3	NUM
fsr-3471	107	237	1	1	NUM
fsr-3471	107	238	8	8	NUM
fsr-3471	107	239	0	0	NUM
fsr-3471	107	240	.0	.0	NUM
fsr-3471	107	241	0	0	NUM
fsr-3471	108	1	1	1	NUM
fsr-3471	108	2	0	0	NUM
fsr-3471	108	3	.0	.0	NUM
fsr-3471	108	4	2	2	NUM
fsr-3471	108	5	6	6	NUM
fsr-3471	108	6	(	(	PUNCT
fsr-3471	108	7	0	0	NUM
fsr-3471	108	8	.0	.0	NUM
fsr-3471	108	9	5	5	NUM
fsr-3471	108	10	2	2	NUM
fsr-3471	108	11	)	)	PUNCT
fsr-3471	108	12	*	*	PUNCT
fsr-3471	109	1	(	(	PUNCT
fsr-3471	109	2	0	0	NUM
fsr-3471	109	3	.0	.0	NUM
fsr-3471	109	4	6	6	NUM
fsr-3471	109	5	4	4	NUM
fsr-3471	109	6	)	)	PUNCT
fsr-3471	109	7	*	*	PUNCT
fsr-3471	110	1	(	(	PUNCT
fsr-3471	110	2	0	0	NUM
fsr-3471	110	3	.6	.6	NUM
fsr-3471	110	4	8	8	NUM
fsr-3471	110	5	7	7	NUM
fsr-3471	110	6	)	)	PUNCT
fsr-3471	110	7	(	(	PUNCT
fsr-3471	110	8	0	0	NUM
fsr-3471	110	9	.3	.3	NUM
fsr-3471	110	10	7	7	NUM
fsr-3471	110	11	4	4	NUM
fsr-3471	110	12	)	)	PUNCT
fsr-3471	110	13	(	(	PUNCT
fsr-3471	110	14	0	0	NUM
fsr-3471	110	15	.0	.0	NUM
fsr-3471	110	16	0	0	NUM
fsr-3471	110	17	0	0	NUM
fsr-3471	110	18	)	)	PUNCT
fsr-3471	111	1	*	*	PUNCT
fsr-3471	112	1	*	*	PUNCT
fsr-3471	112	2	*	*	PUNCT
fsr-3471	112	3	(	(	PUNCT
fsr-3471	112	4	0	0	NUM
fsr-3471	112	5	.9	.9	NUM
fsr-3471	112	6	9	9	NUM
fsr-3471	112	7	0	0	NUM
fsr-3471	112	8	)	)	PUNCT
fsr-3471	112	9	(	(	PUNCT
fsr-3471	112	10	0	0	NUM
fsr-3471	112	11	.7	.7	NUM
fsr-3471	112	12	5	5	NUM
fsr-3471	112	13	8	8	NUM
fsr-3471	112	14	)	)	PUNCT
fsr-3471	112	15	m	m	PROPN
fsr-3471	112	16	ar	ar	PROPN
fsr-3471	112	17	ri	ri	PROPN
fsr-3471	112	18	ag	ag	PROPN
fsr-3471	112	19	es	es	X
fsr-3471	112	20	ta	ta	PROPN
fsr-3471	112	21	tu	tu	PROPN
fsr-3471	112	22	s	s	PROPN
fsr-3471	112	23	�	�	PROPN
fsr-3471	112	24	0	0	NUM
fsr-3471	112	25	.2	.2	NUM
fsr-3471	112	26	5	5	NUM
fsr-3471	112	27	6	6	NUM
fsr-3471	112	28	0	0	NUM
fsr-3471	112	29	.5	.5	NUM
fsr-3471	112	30	1	1	NUM
fsr-3471	112	31	5	5	NUM
fsr-3471	112	32	�	�	NOUN
fsr-3471	112	33	0	0	NUM
fsr-3471	112	34	.3	.3	NUM
fsr-3471	112	35	4	4	NUM
fsr-3471	112	36	4	4	NUM
fsr-3471	112	37	�	�	NOUN
fsr-3471	112	38	0	0	NUM
fsr-3471	112	39	.3	.3	NUM
fsr-3471	112	40	8	8	NUM
fsr-3471	112	41	4	4	NUM
fsr-3471	112	42	0	0	NUM
fsr-3471	112	43	.0	.0	NUM
fsr-3471	112	44	9	9	NUM
fsr-3471	112	45	5	5	NUM
fsr-3471	112	46	(	(	PUNCT
fsr-3471	112	47	0	0	NUM
fsr-3471	112	48	.2	.2	NUM
fsr-3471	112	49	9	9	NUM
fsr-3471	112	50	2	2	NUM
fsr-3471	112	51	)	)	PUNCT
fsr-3471	112	52	(	(	PUNCT
fsr-3471	112	53	0	0	NUM
fsr-3471	112	54	.4	.4	NUM
fsr-3471	112	55	1	1	NUM
fsr-3471	112	56	5	5	NUM
fsr-3471	112	57	)	)	PUNCT
fsr-3471	112	58	(	(	PUNCT
fsr-3471	112	59	0	0	NUM
fsr-3471	112	60	.4	.4	NUM
fsr-3471	112	61	0	0	NUM
fsr-3471	112	62	1	1	NUM
fsr-3471	112	63	)	)	PUNCT
fsr-3471	112	64	(	(	PUNCT
fsr-3471	112	65	0	0	NUM
fsr-3471	112	66	.2	.2	NUM
fsr-3471	112	67	4	4	NUM
fsr-3471	112	68	7	7	NUM
fsr-3471	112	69	)	)	PUNCT
fsr-3471	112	70	(	(	PUNCT
fsr-3471	112	71	0	0	NUM
fsr-3471	112	72	.8	.8	NUM
fsr-3471	112	73	4	4	NUM
fsr-3471	112	74	0	0	NUM
fsr-3471	112	75	)	)	PUNCT
fsr-3471	112	76	a	a	DET
fsr-3471	112	77	d	d	NOUN
fsr-3471	112	78	v	v	NOUN
fsr-3471	112	79	is	be	AUX
fsr-3471	112	80	o	o	PROPN
fsr-3471	112	81	rt	rt	NOUN
fsr-3471	112	82	y	y	PROPN
fsr-3471	112	83	p	p	PROPN
fsr-3471	112	84	e	e	PROPN
fsr-3471	112	85	�	�	PROPN
fsr-3471	112	86	0	0	NUM
fsr-3471	112	87	.3	.3	NUM
fsr-3471	112	88	4	4	NUM
fsr-3471	112	89	2	2	NUM
fsr-3471	112	90	�	�	NOUN
fsr-3471	112	91	0	0	NUM
fsr-3471	112	92	.0	.0	NUM
fsr-3471	112	93	1	1	NUM
fsr-3471	112	94	1	1	NUM
fsr-3471	112	95	�	�	NOUN
fsr-3471	112	96	0	0	NUM
fsr-3471	112	97	.3	.3	NUM
fsr-3471	112	98	0	0	SYM
fsr-3471	112	99	5	5	NUM
fsr-3471	112	100	�	�	PROPN
fsr-3471	112	101	0	0	NUM
fsr-3471	112	102	.1	.1	NUM
fsr-3471	112	103	9	9	NUM
fsr-3471	112	104	2	2	NUM
fsr-3471	112	105	�	�	NOUN
fsr-3471	112	106	0	0	NUM
fsr-3471	112	107	.5	.5	NUM
fsr-3471	112	108	8	8	NUM
fsr-3471	112	109	3	3	NUM
fsr-3471	112	110	�	�	PROPN
fsr-3471	112	111	0	0	NUM
fsr-3471	112	112	.8	.8	PROPN
fsr-3471	112	113	6	6	NUM
fsr-3471	112	114	8	8	NUM
fsr-3471	112	115	�	�	NOUN
fsr-3471	112	116	0	0	NUM
fsr-3471	112	117	.5	.5	NUM
fsr-3471	112	118	8	8	NUM
fsr-3471	112	119	2	2	NUM
fsr-3471	112	120	(	(	PUNCT
fsr-3471	112	121	0	0	NUM
fsr-3471	112	122	.2	.2	NUM
fsr-3471	112	123	6	6	NUM
fsr-3471	112	124	0	0	NUM
fsr-3471	112	125	)	)	PUNCT
fsr-3471	112	126	(	(	PUNCT
fsr-3471	112	127	0	0	NUM
fsr-3471	112	128	.9	.9	NUM
fsr-3471	112	129	7	7	NUM
fsr-3471	112	130	8	8	NUM
fsr-3471	112	131	)	)	PUNCT
fsr-3471	112	132	(	(	PUNCT
fsr-3471	112	133	0	0	NUM
fsr-3471	112	134	.3	.3	NUM
fsr-3471	112	135	1	1	NUM
fsr-3471	112	136	6	6	NUM
fsr-3471	112	137	)	)	PUNCT
fsr-3471	112	138	(	(	PUNCT
fsr-3471	112	139	0	0	NUM
fsr-3471	112	140	.3	.3	NUM
fsr-3471	112	141	7	7	NUM
fsr-3471	112	142	5	5	NUM
fsr-3471	112	143	)	)	PUNCT
fsr-3471	112	144	(	(	PUNCT
fsr-3471	112	145	0	0	NUM
fsr-3471	112	146	.1	.1	NUM
fsr-3471	112	147	1	1	NUM
fsr-3471	112	148	5	5	NUM
fsr-3471	112	149	)	)	PUNCT
fsr-3471	112	150	(	(	PUNCT
fsr-3471	112	151	0	0	NUM
fsr-3471	112	152	.0	.0	NUM
fsr-3471	112	153	0	0	NUM
fsr-3471	112	154	1	1	NUM
fsr-3471	112	155	)	)	PUNCT
fsr-3471	112	156	*	*	PUNCT
fsr-3471	113	1	*	*	PUNCT
fsr-3471	113	2	*	*	PUNCT
fsr-3471	113	3	(	(	PUNCT
fsr-3471	113	4	0	0	NUM
fsr-3471	113	5	.0	.0	NUM
fsr-3471	113	6	2	2	NUM
fsr-3471	113	7	9	9	NUM
fsr-3471	113	8	)	)	PUNCT
fsr-3471	113	9	*	*	PUNCT
fsr-3471	114	1	*	*	PUNCT
fsr-3471	114	2	c	c	X
fsr-3471	114	3	f	f	X
fsr-3471	115	1	p	p	X
fsr-3471	115	2	c	c	NOUN
fsr-3471	115	3	o	o	X
fsr-3471	115	4	d	d	X
fsr-3471	115	5	e	e	X
fsr-3471	115	6	0	0	PROPN
fsr-3471	115	7	.0	.0	NUM
fsr-3471	115	8	2	2	NUM
fsr-3471	115	9	0	0	NUM
fsr-3471	115	10	0	0	NUM
fsr-3471	116	1	.4	.4	NUM
fsr-3471	116	2	3	3	NUM
fsr-3471	116	3	2	2	NUM
fsr-3471	116	4	�	�	NOUN
fsr-3471	116	5	0	0	NUM
fsr-3471	116	6	.6	.6	NUM
fsr-3471	116	7	6	6	NUM
fsr-3471	116	8	1	1	NUM
fsr-3471	116	9	0	0	NUM
fsr-3471	116	10	.4	.4	NUM
fsr-3471	116	11	5	5	NUM
fsr-3471	116	12	9	9	NUM
fsr-3471	116	13	0	0	NUM
fsr-3471	116	14	.0	.0	NUM
fsr-3471	116	15	8	8	NUM
fsr-3471	116	16	8	8	NUM
fsr-3471	116	17	0	0	NUM
fsr-3471	116	18	.2	.2	NUM
fsr-3471	116	19	0	0	NUM
fsr-3471	116	20	3	3	NUM
fsr-3471	116	21	�	�	PROPN
fsr-3471	116	22	0	0	NUM
fsr-3471	117	1	.2	.2	NUM
fsr-3471	117	2	6	6	NUM
fsr-3471	117	3	5	5	NUM
fsr-3471	117	4	(	(	PUNCT
fsr-3471	117	5	0	0	NUM
fsr-3471	117	6	.9	.9	NUM
fsr-3471	117	7	1	1	NUM
fsr-3471	117	8	8	8	NUM
fsr-3471	117	9	)	)	PUNCT
fsr-3471	117	10	(	(	PUNCT
fsr-3471	117	11	0	0	NUM
fsr-3471	117	12	.2	.2	NUM
fsr-3471	117	13	3	3	NUM
fsr-3471	117	14	0	0	NUM
fsr-3471	117	15	)	)	PUNCT
fsr-3471	117	16	(	(	PUNCT
fsr-3471	117	17	0	0	NUM
fsr-3471	117	18	.0	.0	NUM
fsr-3471	117	19	0	0	NUM
fsr-3471	117	20	5	5	NUM
fsr-3471	117	21	)	)	PUNCT
fsr-3471	117	22	*	*	PUNCT
fsr-3471	118	1	*	*	PUNCT
fsr-3471	118	2	*	*	PUNCT
fsr-3471	118	3	(	(	PUNCT
fsr-3471	118	4	0	0	NUM
fsr-3471	118	5	.0	.0	NUM
fsr-3471	118	6	4	4	NUM
fsr-3471	118	7	7	7	NUM
fsr-3471	118	8	)	)	PUNCT
fsr-3471	119	1	*	*	PUNCT
fsr-3471	119	2	*	*	PUNCT
fsr-3471	119	3	(	(	PUNCT
fsr-3471	119	4	0	0	NUM
fsr-3471	119	5	.7	.7	NUM
fsr-3471	119	6	1	1	NUM
fsr-3471	119	7	1	1	NUM
fsr-3471	119	8	)	)	PUNCT
fsr-3471	119	9	(	(	PUNCT
fsr-3471	119	10	0	0	NUM
fsr-3471	119	11	.0	.0	NUM
fsr-3471	119	12	1	1	NUM
fsr-3471	119	13	4	4	NUM
fsr-3471	119	14	)	)	PUNCT
fsr-3471	119	15	*	*	PUNCT
fsr-3471	120	1	*	*	PUNCT
fsr-3471	120	2	(	(	PUNCT
fsr-3471	120	3	0	0	NUM
fsr-3471	120	4	.1	.1	NUM
fsr-3471	120	5	6	6	NUM
fsr-3471	120	6	9	9	NUM
fsr-3471	120	7	)	)	PUNCT
fsr-3471	120	8	l	l	NOUN
fsr-3471	120	9	iq	iq	NOUN
fsr-3471	120	10	u	u	NOUN
fsr-3471	121	1	i	i	PROPN
fsr-3471	121	2	d	d	PROPN
fsr-3471	121	3	a	a	PRON
fsr-3471	121	4	ss	ss	VERB
fsr-3471	121	5	et	et	NOUN
fsr-3471	121	6	s	s	PROPN
fsr-3471	121	7	�	�	PROPN
fsr-3471	121	8	0	0	NUM
fsr-3471	121	9	.1	.1	NUM
fsr-3471	121	10	0	0	NUM
fsr-3471	122	1	5	5	NUM
fsr-3471	122	2	0	0	NUM
fsr-3471	122	3	.0	.0	NUM
fsr-3471	122	4	9	9	NUM
fsr-3471	122	5	2	2	NUM
fsr-3471	122	6	�	�	NOUN
fsr-3471	122	7	0	0	NUM
fsr-3471	122	8	.4	.4	NUM
fsr-3471	122	9	7	7	NUM
fsr-3471	122	10	3	3	NUM
fsr-3471	122	11	0	0	NUM
fsr-3471	122	12	.1	.1	NUM
fsr-3471	122	13	4	4	NUM
fsr-3471	122	14	7	7	NUM
fsr-3471	122	15	0	0	NUM
fsr-3471	122	16	.2	.2	NUM
fsr-3471	122	17	0	0	NUM
fsr-3471	123	1	3	3	NUM
fsr-3471	123	2	0	0	NUM
fsr-3471	123	3	.1	.1	NUM
fsr-3471	123	4	1	1	NUM
fsr-3471	123	5	9	9	NUM
fsr-3471	123	6	(	(	PUNCT
fsr-3471	123	7	0	0	NUM
fsr-3471	123	8	.1	.1	NUM
fsr-3471	123	9	6	6	NUM
fsr-3471	123	10	9	9	NUM
fsr-3471	123	11	)	)	PUNCT
fsr-3471	123	12	(	(	PUNCT
fsr-3471	123	13	0	0	NUM
fsr-3471	123	14	.1	.1	NUM
fsr-3471	123	15	6	6	NUM
fsr-3471	123	16	3	3	NUM
fsr-3471	123	17	)	)	PUNCT
fsr-3471	123	18	(	(	PUNCT
fsr-3471	123	19	0	0	NUM
fsr-3471	123	20	.0	.0	NUM
fsr-3471	123	21	0	0	NUM
fsr-3471	123	22	0	0	NUM
fsr-3471	123	23	)	)	PUNCT
fsr-3471	124	1	*	*	PUNCT
fsr-3471	125	1	*	*	PUNCT
fsr-3471	125	2	*	*	PUNCT
fsr-3471	125	3	(	(	PUNCT
fsr-3471	125	4	0	0	NUM
fsr-3471	125	5	.1	.1	NUM
fsr-3471	125	6	1	1	NUM
fsr-3471	125	7	6	6	NUM
fsr-3471	125	8	)	)	PUNCT
fsr-3471	125	9	(	(	PUNCT
fsr-3471	125	10	0	0	NUM
fsr-3471	125	11	.3	.3	NUM
fsr-3471	125	12	0	0	NUM
fsr-3471	125	13	3	3	NUM
fsr-3471	125	14	)	)	PUNCT
fsr-3471	125	15	(	(	PUNCT
fsr-3471	125	16	0	0	NUM
fsr-3471	125	17	.1	.1	NUM
fsr-3471	125	18	6	6	NUM
fsr-3471	125	19	9	9	NUM
fsr-3471	125	20	)	)	PUNCT
fsr-3471	125	21	in	in	ADP
fsr-3471	125	22	co	co	NOUN
fsr-3471	125	23	m	m	PROPN
fsr-3471	125	24	e	e	X
fsr-3471	125	25	0	0	NUM
fsr-3471	125	26	.0	.0	NUM
fsr-3471	125	27	5	5	NUM
fsr-3471	125	28	7	7	NUM
fsr-3471	125	29	0	0	NUM
fsr-3471	125	30	.3	.3	NUM
fsr-3471	125	31	0	0	NUM
fsr-3471	125	32	4	4	NUM
fsr-3471	125	33	�	�	PROPN
fsr-3471	125	34	0	0	NUM
fsr-3471	125	35	.0	.0	NUM
fsr-3471	125	36	2	2	NUM
fsr-3471	125	37	9	9	NUM
fsr-3471	125	38	�	�	NOUN
fsr-3471	125	39	0	0	NUM
fsr-3471	125	40	.0	.0	NUM
fsr-3471	125	41	0	0	NUM
fsr-3471	125	42	6	6	NUM
fsr-3471	125	43	�	�	PROPN
fsr-3471	125	44	0	0	NUM
fsr-3471	125	45	.0	.0	NUM
fsr-3471	125	46	1	1	NUM
fsr-3471	125	47	7	7	NUM
fsr-3471	125	48	0	0	NUM
fsr-3471	126	1	.2	.2	NUM
fsr-3471	126	2	3	3	NUM
fsr-3471	126	3	1	1	NUM
fsr-3471	126	4	0	0	NUM
fsr-3471	126	5	.0	.0	NUM
fsr-3471	126	6	0	0	NUM
fsr-3471	126	7	4	4	NUM
fsr-3471	126	8	(	(	PUNCT
fsr-3471	126	9	0	0	NUM
fsr-3471	126	10	.3	.3	NUM
fsr-3471	126	11	8	8	NUM
fsr-3471	126	12	2	2	NUM
fsr-3471	126	13	)	)	PUNCT
fsr-3471	126	14	(	(	PUNCT
fsr-3471	126	15	0	0	NUM
fsr-3471	126	16	.0	.0	NUM
fsr-3471	126	17	2	2	NUM
fsr-3471	126	18	9	9	NUM
fsr-3471	126	19	)	)	PUNCT
fsr-3471	126	20	*	*	PUNCT
fsr-3471	127	1	*	*	PUNCT
fsr-3471	127	2	(	(	PUNCT
fsr-3471	127	3	0	0	NUM
fsr-3471	127	4	.6	.6	NUM
fsr-3471	127	5	6	6	NUM
fsr-3471	127	6	5	5	NUM
fsr-3471	127	7	)	)	PUNCT
fsr-3471	127	8	(	(	PUNCT
fsr-3471	127	9	0	0	NUM
fsr-3471	127	10	.9	.9	NUM
fsr-3471	127	11	2	2	NUM
fsr-3471	127	12	9	9	NUM
fsr-3471	127	13	)	)	PUNCT
fsr-3471	127	14	(	(	PUNCT
fsr-3471	127	15	0	0	NUM
fsr-3471	127	16	.8	.8	NUM
fsr-3471	127	17	4	4	NUM
fsr-3471	127	18	8	8	NUM
fsr-3471	127	19	)	)	PUNCT
fsr-3471	127	20	(	(	PUNCT
fsr-3471	127	21	0	0	NUM
fsr-3471	127	22	.7	.7	NUM
fsr-3471	127	23	8	8	NUM
fsr-3471	127	24	5	5	NUM
fsr-3471	127	25	)	)	PUNCT
fsr-3471	127	26	(	(	PUNCT
fsr-3471	127	27	0	0	NUM
fsr-3471	127	28	.9	.9	NUM
fsr-3471	127	29	5	5	NUM
fsr-3471	127	30	2	2	NUM
fsr-3471	127	31	)	)	PUNCT
fsr-3471	127	32	c	c	NOUN
fsr-3471	127	33	o	o	PROPN
fsr-3471	127	34	n	n	PRON
fsr-3471	127	35	st	st	PROPN
fsr-3471	128	1	an	an	DET
fsr-3471	128	2	t	t	PROPN
fsr-3471	128	3	1	1	NUM
fsr-3471	128	4	.9	.9	NUM
fsr-3471	128	5	0	0	NUM
fsr-3471	128	6	4	4	NUM
fsr-3471	128	7	1	1	NUM
fsr-3471	128	8	.4	.4	NUM
fsr-3471	128	9	3	3	NUM
fsr-3471	128	10	1	1	NUM
fsr-3471	128	11	2	2	NUM
fsr-3471	128	12	.3	.3	NUM
fsr-3471	128	13	7	7	NUM
fsr-3471	128	14	6	6	NUM
fsr-3471	128	15	2	2	NUM
fsr-3471	128	16	.3	.3	NUM
fsr-3471	128	17	2	2	NUM
fsr-3471	128	18	8	8	NUM
fsr-3471	128	19	1	1	NUM
fsr-3471	128	20	.3	.3	NUM
fsr-3471	128	21	3	3	NUM
fsr-3471	128	22	0	0	NUM
fsr-3471	128	23	1	1	NUM
fsr-3471	128	24	.6	.6	NUM
fsr-3471	128	25	7	7	NUM
fsr-3471	128	26	3	3	NUM
fsr-3471	128	27	1	1	NUM
fsr-3471	128	28	.8	.8	NUM
fsr-3471	128	29	5	5	NUM
fsr-3471	128	30	3	3	NUM
fsr-3471	128	31	(	(	PUNCT
fsr-3471	128	32	0	0	NUM
fsr-3471	128	33	.0	.0	NUM
fsr-3471	128	34	0	0	NUM
fsr-3471	128	35	0	0	NUM
fsr-3471	128	36	)	)	PUNCT
fsr-3471	129	1	*	*	PUNCT
fsr-3471	130	1	*	*	PUNCT
fsr-3471	130	2	*	*	PUNCT
fsr-3471	130	3	(	(	PUNCT
fsr-3471	130	4	0	0	NUM
fsr-3471	130	5	.1	.1	NUM
fsr-3471	130	6	3	3	NUM
fsr-3471	130	7	1	1	NUM
fsr-3471	130	8	)	)	PUNCT
fsr-3471	130	9	(	(	PUNCT
fsr-3471	130	10	0	0	NUM
fsr-3471	130	11	.0	.0	NUM
fsr-3471	130	12	0	0	NUM
fsr-3471	130	13	0	0	NUM
fsr-3471	130	14	)	)	PUNCT
fsr-3471	131	1	*	*	PUNCT
fsr-3471	132	1	*	*	PUNCT
fsr-3471	132	2	*	*	PUNCT
fsr-3471	132	3	(	(	PUNCT
fsr-3471	132	4	0	0	NUM
fsr-3471	132	5	.0	.0	NUM
fsr-3471	132	6	0	0	NUM
fsr-3471	132	7	0	0	NUM
fsr-3471	132	8	)	)	PUNCT
fsr-3471	133	1	*	*	PUNCT
fsr-3471	134	1	*	*	PUNCT
fsr-3471	134	2	*	*	PUNCT
fsr-3471	134	3	(	(	PUNCT
fsr-3471	134	4	0	0	NUM
fsr-3471	134	5	.0	.0	NUM
fsr-3471	134	6	7	7	NUM
fsr-3471	134	7	9	9	NUM
fsr-3471	134	8	)	)	PUNCT
fsr-3471	134	9	*	*	PUNCT
fsr-3471	135	1	(	(	PUNCT
fsr-3471	135	2	0	0	NUM
fsr-3471	135	3	.0	.0	NUM
fsr-3471	135	4	1	1	NUM
fsr-3471	135	5	0	0	NUM
fsr-3471	135	6	)	)	PUNCT
fsr-3471	136	1	*	*	PUNCT
fsr-3471	137	1	*	*	PUNCT
fsr-3471	137	2	*	*	PUNCT
fsr-3471	137	3	(	(	PUNCT
fsr-3471	137	4	0	0	NUM
fsr-3471	137	5	.0	.0	NUM
fsr-3471	137	6	0	0	NUM
fsr-3471	137	7	3	3	NUM
fsr-3471	137	8	)	)	PUNCT
fsr-3471	137	9	*	*	PUNCT
fsr-3471	138	1	*	*	PUNCT
fsr-3471	138	2	*	*	PUNCT
fsr-3471	138	3	o	o	X
fsr-3471	138	4	b	b	X
fsr-3471	138	5	se	se	PROPN
fsr-3471	138	6	rv	rv	PROPN
fsr-3471	138	7	at	at	ADP
fsr-3471	138	8	io	io	PROPN
fsr-3471	138	9	n	n	PROPN
fsr-3471	138	10	s	s	PROPN
fsr-3471	138	11	7	7	NUM
fsr-3471	138	12	9	9	NUM
fsr-3471	138	13	7	7	NUM
fsr-3471	138	14	9	9	NUM
fsr-3471	138	15	7	7	NUM
fsr-3471	138	16	9	9	NUM
fsr-3471	138	17	7	7	NUM
fsr-3471	138	18	8	8	NUM
fsr-3471	138	19	7	7	NUM
fsr-3471	138	20	9	9	NUM
fsr-3471	138	21	7	7	NUM
fsr-3471	138	22	2	2	NUM
fsr-3471	138	23	7	7	NUM
fsr-3471	138	24	2	2	NUM
fsr-3471	138	25	p	p	NOUN
fsr-3471	138	26	ro	ro	PROPN
fsr-3471	138	27	b	b	PROPN
fsr-3471	138	28	>	>	X
fsr-3471	138	29	f	f	PROPN
fsr-3471	138	30	0	0	SYM
fsr-3471	139	1	.0	.0	NUM
fsr-3471	139	2	4	4	NUM
fsr-3471	139	3	8	8	NUM
fsr-3471	139	4	9	9	NUM
fsr-3471	139	5	*	*	PUNCT
fsr-3471	140	1	*	*	PUNCT
fsr-3471	140	2	0	0	NUM
fsr-3471	141	1	.0	.0	NUM
fsr-3471	141	2	0	0	NUM
fsr-3471	141	3	1	1	NUM
fsr-3471	141	4	0	0	NUM
fsr-3471	141	5	*	*	PUNCT
fsr-3471	142	1	*	*	PUNCT
fsr-3471	143	1	*	*	PUNCT
fsr-3471	143	2	0	0	NUM
fsr-3471	144	1	.0	.0	NUM
fsr-3471	144	2	0	0	NUM
fsr-3471	144	3	6	6	NUM
fsr-3471	144	4	6	6	NUM
fsr-3471	144	5	*	*	PUNCT
fsr-3471	144	6	*	*	PUNCT
fsr-3471	145	1	*	*	PUNCT
fsr-3471	145	2	0	0	NUM
fsr-3471	146	1	.0	.0	NUM
fsr-3471	146	2	0	0	NUM
fsr-3471	146	3	0	0	NUM
fsr-3471	146	4	0	0	NUM
fsr-3471	147	1	*	*	PUNCT
fsr-3471	148	1	*	*	PUNCT
fsr-3471	149	1	*	*	PUNCT
fsr-3471	149	2	0	0	NUM
fsr-3471	150	1	.0	.0	NUM
fsr-3471	150	2	0	0	NUM
fsr-3471	150	3	0	0	NUM
fsr-3471	150	4	2	2	NUM
fsr-3471	150	5	*	*	PUNCT
fsr-3471	150	6	*	*	PUNCT
fsr-3471	151	1	*	*	PUNCT
fsr-3471	151	2	0	0	NUM
fsr-3471	152	1	.0	.0	NUM
fsr-3471	152	2	0	0	NUM
fsr-3471	152	3	2	2	NUM
fsr-3471	152	4	3	3	NUM
fsr-3471	152	5	*	*	PUNCT
fsr-3471	152	6	*	*	PUNCT
fsr-3471	153	1	*	*	PUNCT
fsr-3471	153	2	0	0	NUM
fsr-3471	154	1	.0	.0	NUM
fsr-3471	154	2	3	3	NUM
fsr-3471	154	3	6	6	NUM
fsr-3471	154	4	3	3	NUM
fsr-3471	154	5	*	*	PUNCT
fsr-3471	154	6	*	*	PUNCT
fsr-3471	155	1	r	r	NOUN
fsr-3471	155	2	2	2	NUM
fsr-3471	155	3	0	0	NUM
fsr-3471	155	4	.1	.1	NUM
fsr-3471	155	5	2	2	NUM
fsr-3471	155	6	7	7	NUM
fsr-3471	155	7	8	8	NUM
fsr-3471	155	8	0	0	NUM
fsr-3471	155	9	.2	.2	NUM
fsr-3471	155	10	3	3	NUM
fsr-3471	155	11	4	4	NUM
fsr-3471	155	12	5	5	NUM
fsr-3471	155	13	0	0	NUM
fsr-3471	155	14	.2	.2	NUM
fsr-3471	155	15	2	2	NUM
fsr-3471	155	16	6	6	NUM
fsr-3471	155	17	8	8	NUM
fsr-3471	155	18	0	0	NUM
fsr-3471	155	19	.4	.4	NUM
fsr-3471	155	20	1	1	NUM
fsr-3471	155	21	2	2	NUM
fsr-3471	155	22	7	7	NUM
fsr-3471	155	23	0	0	NUM
fsr-3471	155	24	.2	.2	NUM
fsr-3471	155	25	6	6	NUM
fsr-3471	155	26	9	9	NUM
fsr-3471	155	27	8	8	NUM
fsr-3471	155	28	0	0	NUM
fsr-3471	156	1	.2	.2	NUM
fsr-3471	156	2	0	0	NUM
fsr-3471	156	3	7	7	NUM
fsr-3471	156	4	1	1	NUM
fsr-3471	156	5	0	0	NUM
fsr-3471	156	6	.1	.1	NUM
fsr-3471	156	7	1	1	NUM
fsr-3471	156	8	9	9	NUM
fsr-3471	156	9	4	4	NUM
fsr-3471	156	10	n	n	NUM
fsr-3471	156	11	o	o	NOUN
fsr-3471	156	12	te	te	INTJ
fsr-3471	156	13	.	.	PUNCT
fsr-3471	157	1	t	t	PROPN
fsr-3471	157	2	h	h	NOUN
fsr-3471	157	3	e	e	PROPN
fsr-3471	157	4	d	d	X
fsr-3471	157	5	ep	ep	PROPN
fsr-3471	157	6	en	en	PROPN
fsr-3471	157	7	d	d	PROPN
fsr-3471	157	8	en	en	PROPN
fsr-3471	157	9	t	t	PROPN
fsr-3471	157	10	v	v	PROPN
fsr-3471	157	11	ar	ar	PROPN
fsr-3471	157	12	ia	ia	PROPN
fsr-3471	157	13	b	b	PROPN
fsr-3471	157	14	le	le	X
fsr-3471	157	15	s	s	PROPN
fsr-3471	157	16	ar	ar	PROPN
fsr-3471	157	17	e	e	PROPN
fsr-3471	157	18	as	as	ADP
fsr-3471	157	19	fo	fo	INTJ
fsr-3471	157	20	ll	ll	AUX
fsr-3471	157	21	o	o	PROPN
fsr-3471	157	22	w	w	NOUN
fsr-3471	157	23	s	s	PROPN
fsr-3471	157	24	:	:	PUNCT
fsr-3471	157	25	t	t	NOUN
fsr-3471	157	26	h	h	NOUN
fsr-3471	158	1	e	e	X
fsr-3471	158	2	ex	ex	X
fsr-3471	158	3	is	be	AUX
fsr-3471	158	4	te	te	PROPN
fsr-3471	158	5	n	n	ADV
fsr-3471	158	6	ce	ce	PROPN
fsr-3471	158	7	an	an	PROPN
fsr-3471	158	8	d	d	X
fsr-3471	158	9	en	en	ADV
fsr-3471	158	10	fo	fo	INTJ
fsr-3471	158	11	rc	rc	PROPN
fsr-3471	158	12	em	em	PRON
fsr-3471	158	13	en	en	INTJ
fsr-3471	158	14	t	t	X
fsr-3471	159	1	o	o	X
fsr-3471	159	2	f	f	PROPN
fsr-3471	159	3	a	a	DET
fsr-3471	159	4	b	b	X
fsr-3471	159	5	u	u	X
fsr-3471	159	6	d	d	PROPN
fsr-3471	159	7	g	g	PROPN
fsr-3471	159	8	et	et	NOUN
fsr-3471	159	9	in	in	ADP
fsr-3471	159	10	m	m	PROPN
fsr-3471	159	11	o	o	PROPN
fsr-3471	159	12	d	d	X
fsr-3471	159	13	el	el	PROPN
fsr-3471	159	14	1	1	NUM
fsr-3471	159	15	,	,	PUNCT
fsr-3471	159	16	th	th	X
fsr-3471	159	17	e	e	NOUN
fsr-3471	159	18	am	be	AUX
fsr-3471	159	19	o	o	NOUN
fsr-3471	159	20	u	u	NOUN
fsr-3471	159	21	n	n	ADP
fsr-3471	159	22	t	t	NOUN
fsr-3471	160	1	o	o	X
fsr-3471	160	2	f	f	PROPN
fsr-3471	160	3	li	li	PROPN
fsr-3471	160	4	q	q	PROPN
fsr-3471	160	5	u	u	PROPN
fsr-3471	160	6	i	i	PROPN
fsr-3471	160	7	d	d	VERB
fsr-3471	160	8	as	as	ADV
fsr-3471	160	9	se	se	X
fsr-3471	160	10	ts	ts	X
fsr-3471	160	11	in	in	ADP
fsr-3471	160	12	m	m	PROPN
fsr-3471	160	13	o	o	PROPN
fsr-3471	160	14	d	d	X
fsr-3471	160	15	el	el	PROPN
fsr-3471	160	16	2	2	NUM
fsr-3471	160	17	,	,	PUNCT
fsr-3471	160	18	th	th	X
fsr-3471	160	19	e	e	NOUN
fsr-3471	160	20	as	as	ADP
fsr-3471	160	21	se	se	INTJ
fsr-3471	160	22	ss	ss	PROPN
fsr-3471	160	23	m	m	VERB
fsr-3471	160	24	en	en	ADP
fsr-3471	160	25	t	t	X
fsr-3471	160	26	o	o	X
fsr-3471	160	27	f	f	PROPN
fsr-3471	160	28	in	in	ADP
fsr-3471	160	29	su	su	PROPN
fsr-3471	160	30	ra	ra	PROPN
fsr-3471	160	31	n	n	PROPN
fsr-3471	160	32	ce	ce	PROPN
fsr-3471	160	33	n	n	X
fsr-3471	160	34	ee	ee	PROPN
fsr-3471	160	35	d	d	PROPN
fsr-3471	160	36	s	s	PROPN
fsr-3471	160	37	in	in	ADP
fsr-3471	160	38	m	m	PROPN
fsr-3471	160	39	o	o	PROPN
fsr-3471	161	1	d	d	X
fsr-3471	161	2	el	el	PROPN
fsr-3471	161	3	3	3	NUM
fsr-3471	161	4	,	,	PUNCT
fsr-3471	161	5	th	th	X
fsr-3471	161	6	e	e	NOUN
fsr-3471	161	7	am	be	AUX
fsr-3471	161	8	o	o	NOUN
fsr-3471	161	9	u	u	NOUN
fsr-3471	161	10	n	n	ADP
fsr-3471	161	11	t	t	NOUN
fsr-3471	162	1	o	o	X
fsr-3471	162	2	f	f	PROPN
fsr-3471	162	3	cr	cr	INTJ
fsr-3471	162	4	ed	ed	PROPN
fsr-3471	163	1	it	it	PRON
fsr-3471	163	2	ca	can	AUX
fsr-3471	163	3	rd	rd	PROPN
fsr-3471	163	4	d	d	PROPN
fsr-3471	163	5	eb	eb	PROPN
fsr-3471	163	6	t	t	PROPN
fsr-3471	163	7	in	in	ADP
fsr-3471	163	8	m	m	PROPN
fsr-3471	163	9	o	o	PROPN
fsr-3471	164	1	d	d	X
fsr-3471	164	2	el	el	PROPN
fsr-3471	164	3	4	4	NUM
fsr-3471	164	4	,	,	PUNCT
fsr-3471	164	5	an	an	PRON
fsr-3471	164	6	d	d	X
fsr-3471	164	7	th	th	X
fsr-3471	164	8	e	e	X
fsr-3471	164	9	ex	ex	X
fsr-3471	164	10	is	be	AUX
fsr-3471	164	11	te	te	ADP
fsr-3471	164	12	n	n	NUM
fsr-3471	164	13	ce	ce	NOUN
fsr-3471	164	14	o	o	PROPN
fsr-3471	164	15	f	f	PROPN
fsr-3471	164	16	an	an	DET
fsr-3471	164	17	es	es	X
fsr-3471	164	18	ta	ta	X
fsr-3471	164	19	te	te	ADP
fsr-3471	164	20	p	p	PROPN
fsr-3471	164	21	la	la	X
fsr-3471	164	22	n	n	X
fsr-3471	164	23	in	in	ADP
fsr-3471	164	24	m	m	PROPN
fsr-3471	164	25	o	o	PROPN
fsr-3471	165	1	d	d	X
fsr-3471	165	2	el	el	PROPN
fsr-3471	165	3	5	5	NUM
fsr-3471	165	4	.	.	PUNCT
fsr-3471	166	1	m	m	VERB
fsr-3471	167	1	o	o	X
fsr-3471	167	2	d	d	X
fsr-3471	167	3	el	el	PROPN
fsr-3471	167	4	s	s	PROPN
fsr-3471	167	5	6	6	NUM
fsr-3471	167	6	an	an	DET
fsr-3471	167	7	d	d	PROPN
fsr-3471	167	8	7	7	NUM
fsr-3471	167	9	b	b	PROPN
fsr-3471	167	10	re	re	X
fsr-3471	167	11	ak	ak	PROPN
fsr-3471	167	12	th	th	X
fsr-3471	167	13	e	e	X
fsr-3471	167	14	ex	ex	X
fsr-3471	167	15	is	be	AUX
fsr-3471	167	16	te	te	ADP
fsr-3471	167	17	n	n	NUM
fsr-3471	167	18	ce	ce	NOUN
fsr-3471	167	19	o	o	PROPN
fsr-3471	167	20	f	f	PROPN
fsr-3471	167	21	an	an	DET
fsr-3471	167	22	es	es	X
fsr-3471	167	23	ta	ta	X
fsr-3471	167	24	te	te	ADP
fsr-3471	167	25	p	p	PROPN
fsr-3471	167	26	la	la	X
fsr-3471	167	27	n	n	X
fsr-3471	167	28	in	in	ADP
fsr-3471	167	29	to	to	ADP
fsr-3471	167	30	th	th	X
fsr-3471	167	31	e	e	NOUN
fsr-3471	167	32	q	q	X
fsr-3471	167	33	u	u	NOUN
fsr-3471	167	34	es	es	X
fsr-3471	167	35	ti	ti	NOUN
fsr-3471	167	36	o	o	NOUN
fsr-3471	168	1	n	n	PROPN
fsr-3471	168	2	s	s	PROPN
fsr-3471	168	3	w	w	NOUN
fsr-3471	168	4	h	h	NOUN
fsr-3471	169	1	et	et	NOUN
fsr-3471	169	2	h	h	NOUN
fsr-3471	169	3	er	er	INTJ
fsr-3471	169	4	th	th	X
fsr-3471	169	5	e	e	NOUN
fsr-3471	169	6	sp	sp	ADP
fsr-3471	169	7	o	o	PROPN
fsr-3471	169	8	u	u	PROPN
fsr-3471	169	9	se	se	PROPN
fsr-3471	169	10	k	k	PROPN
fsr-3471	169	11	n	n	CCONJ
fsr-3471	169	12	o	o	X
fsr-3471	169	13	w	w	PROPN
fsr-3471	169	14	s	s	PROPN
fsr-3471	169	15	ab	ab	NOUN
fsr-3471	169	16	o	o	NOUN
fsr-3471	169	17	u	u	NOUN
fsr-3471	169	18	t	t	NOUN
fsr-3471	169	19	h	h	NOUN
fsr-3471	170	1	o	o	X
fsr-3471	170	2	w	w	NOUN
fsr-3471	170	3	to	to	PART
fsr-3471	170	4	ac	ac	PROPN
fsr-3471	170	5	ce	ce	PROPN
fsr-3471	170	6	ss	ss	PROPN
fsr-3471	170	7	fi	fi	PROPN
fsr-3471	170	8	n	n	CCONJ
fsr-3471	170	9	an	an	DET
fsr-3471	170	10	ci	ci	NOUN
fsr-3471	170	11	al	al	PROPN
fsr-3471	170	12	in	in	ADP
fsr-3471	170	13	fo	fo	ADP
fsr-3471	170	14	rm	rm	PROPN
fsr-3471	170	15	at	at	ADP
fsr-3471	170	16	io	io	PROPN
fsr-3471	170	17	n	n	PROPN
fsr-3471	170	18	in	in	ADP
fsr-3471	170	19	ca	ca	PROPN
fsr-3471	170	20	se	se	ADV
fsr-3471	170	21	o	o	PROPN
fsr-3471	170	22	f	f	X
fsr-3471	170	23	th	th	X
fsr-3471	170	24	e	e	X
fsr-3471	170	25	ad	ad	NOUN
fsr-3471	170	26	v	v	NOUN
fsr-3471	170	27	is	be	AUX
fsr-3471	170	28	o	o	NOUN
fsr-3471	170	29	r	r	NOUN
fsr-3471	170	30	’	'	PUNCT
fsr-3471	170	31	s	s	PART
fsr-3471	170	32	d	d	X
fsr-3471	170	33	ea	ea	X
fsr-3471	170	34	th	th	PROPN
fsr-3471	170	35	,	,	PUNCT
fsr-3471	170	36	an	an	PRON
fsr-3471	170	37	d	d	X
fsr-3471	170	38	w	w	PROPN
fsr-3471	170	39	h	h	NOUN
fsr-3471	171	1	et	et	NOUN
fsr-3471	171	2	h	h	NOUN
fsr-3471	171	3	er	er	INTJ
fsr-3471	171	4	th	th	X
fsr-3471	171	5	e	e	X
fsr-3471	171	6	ad	ad	NOUN
fsr-3471	171	7	v	v	NOUN
fsr-3471	171	8	is	be	AUX
fsr-3471	171	9	o	o	NOUN
fsr-3471	171	10	r	r	NOUN
fsr-3471	171	11	k	k	PROPN
fsr-3471	171	12	n	n	NUM
fsr-3471	172	1	o	o	X
fsr-3471	172	2	w	w	NOUN
fsr-3471	172	3	s	s	PROPN
fsr-3471	172	4	h	h	NOUN
fsr-3471	172	5	o	o	X
fsr-3471	172	6	w	w	NOUN
fsr-3471	172	7	to	to	PART
fsr-3471	172	8	ac	ac	PROPN
fsr-3471	172	9	ce	ce	PROPN
fsr-3471	172	10	ss	ss	ADV
fsr-3471	172	11	th	th	X
fsr-3471	172	12	e	e	NOUN
fsr-3471	172	13	sp	sp	ADP
fsr-3471	172	14	o	o	PROPN
fsr-3471	172	15	u	u	X
fsr-3471	172	16	se	se	PROPN
fsr-3471	172	17	’s	’s	PROPN
fsr-3471	172	18	fi	fi	PROPN
fsr-3471	172	19	n	n	CCONJ
fsr-3471	172	20	an	an	DET
fsr-3471	172	21	ci	ci	NOUN
fsr-3471	172	22	al	al	PROPN
fsr-3471	172	23	in	in	ADP
fsr-3471	172	24	fo	fo	ADP
fsr-3471	172	25	rm	rm	PROPN
fsr-3471	172	26	at	at	ADP
fsr-3471	172	27	io	io	PROPN
fsr-3471	172	28	n	n	PROPN
fsr-3471	172	29	in	in	ADP
fsr-3471	172	30	ca	ca	PROPN
fsr-3471	173	1	se	se	ADV
fsr-3471	173	2	o	o	PROPN
fsr-3471	174	1	f	f	PROPN
fsr-3471	174	2	h	h	NOUN
fsr-3471	174	3	is	be	AUX
fsr-3471	174	4	o	o	NOUN
fsr-3471	174	5	r	r	NOUN
fsr-3471	175	1	h	h	NOUN
fsr-3471	176	1	er	er	INTJ
fsr-3471	176	2	d	d	PROPN
fsr-3471	176	3	ea	ea	X
fsr-3471	176	4	th	th	X
fsr-3471	176	5	.	.	PUNCT
fsr-3471	177	1	in	in	ADP
fsr-3471	177	2	d	d	PROPN
fsr-3471	177	3	ep	ep	PROPN
fsr-3471	177	4	en	en	PROPN
fsr-3471	177	5	d	d	PROPN
fsr-3471	177	6	en	en	PROPN
fsr-3471	177	7	t	t	PROPN
fsr-3471	177	8	v	v	PROPN
fsr-3471	177	9	ar	ar	PROPN
fsr-3471	177	10	ia	ia	PROPN
fsr-3471	177	11	b	b	PROPN
fsr-3471	177	12	le	le	X
fsr-3471	177	13	s	s	PROPN
fsr-3471	177	14	ar	ar	PROPN
fsr-3471	177	15	e	e	PROPN
fsr-3471	177	16	as	as	ADP
fsr-3471	177	17	fo	fo	INTJ
fsr-3471	177	18	ll	ll	AUX
fsr-3471	177	19	o	o	VERB
fsr-3471	177	20	w	w	NOUN
fsr-3471	177	21	s	s	PROPN
fsr-3471	177	22	:	:	PUNCT
fsr-3471	177	23	m	m	VERB
fsr-3471	177	24	al	al	PROPN
fsr-3471	177	25	e	e	PROPN
fsr-3471	177	26	is	be	AUX
fsr-3471	177	27	eq	eq	ADP
fsr-3471	177	28	u	u	PROPN
fsr-3471	177	29	al	al	PROPN
fsr-3471	177	30	s	s	PROPN
fsr-3471	177	31	1	1	NUM
fsr-3471	177	32	an	an	PRON
fsr-3471	177	33	d	d	X
fsr-3471	177	34	o	o	X
fsr-3471	177	35	th	th	X
fsr-3471	177	36	er	er	INTJ
fsr-3471	177	37	w	w	NOUN
fsr-3471	177	38	is	be	AUX
fsr-3471	177	39	e	e	NOUN
fsr-3471	177	40	,	,	PUNCT
fsr-3471	177	41	0	0	NUM
fsr-3471	177	42	.	.	PUNCT
fsr-3471	178	1	a	a	DET
fsr-3471	178	2	g	g	PROPN
fsr-3471	178	3	e	e	NOUN
fsr-3471	178	4	is	be	AUX
fsr-3471	178	5	re	re	ADP
fsr-3471	178	6	p	p	NOUN
fsr-3471	178	7	re	re	X
fsr-3471	178	8	se	se	X
fsr-3471	178	9	n	n	X
fsr-3471	178	10	te	te	PROPN
fsr-3471	179	1	d	d	PROPN
fsr-3471	179	2	b	b	PROPN
fsr-3471	179	3	y	y	PROPN
fsr-3471	179	4	a	a	DET
fsr-3471	179	5	co	co	X
fsr-3471	179	6	d	d	NOUN
fsr-3471	179	7	e	e	NOUN
fsr-3471	179	8	fr	fr	NOUN
fsr-3471	179	9	o	o	NOUN
fsr-3471	179	10	m	m	VERB
fsr-3471	179	11	1	1	NUM
fsr-3471	179	12	to	to	PART
fsr-3471	179	13	5	5	NUM
fsr-3471	179	14	w	w	NOUN
fsr-3471	179	15	h	h	NOUN
fsr-3471	179	16	er	er	INTJ
fsr-3471	179	17	e	e	X
fsr-3471	179	18	o	o	PROPN
fsr-3471	179	19	n	n	CCONJ
fsr-3471	179	20	e	e	NOUN
fsr-3471	179	21	is	be	AUX
fsr-3471	179	22	le	le	INTJ
fsr-3471	179	23	ss	ss	NOUN
fsr-3471	179	24	th	th	X
fsr-3471	179	25	an	an	DET
fsr-3471	179	26	3	3	NUM
fsr-3471	179	27	5	5	NUM
fsr-3471	179	28	,	,	PUNCT
fsr-3471	179	29	tw	tw	INTJ
fsr-3471	179	30	o	o	NOUN
fsr-3471	179	31	is	be	AUX
fsr-3471	179	32	3	3	NUM
fsr-3471	179	33	6	6	NUM
fsr-3471	179	34	-4	-4	SYM
fsr-3471	179	35	5	5	NUM
fsr-3471	179	36	,	,	PUNCT
fsr-3471	179	37	th	th	X
fsr-3471	179	38	re	re	ADP
fsr-3471	179	39	e	e	PROPN
fsr-3471	179	40	is	be	AUX
fsr-3471	179	41	4	4	NUM
fsr-3471	179	42	6	6	NUM
fsr-3471	179	43	-6	-6	ADP
fsr-3471	179	44	4	4	NUM
fsr-3471	179	45	,	,	PUNCT
fsr-3471	179	46	fo	fo	SCONJ
fsr-3471	179	47	u	u	NOUN
fsr-3471	179	48	r	r	NOUN
fsr-3471	179	49	is	be	AUX
fsr-3471	179	50	5	5	NUM
fsr-3471	179	51	5	5	NUM
fsr-3471	179	52	-6	-6	NUM
fsr-3471	179	53	4	4	NUM
fsr-3471	179	54	,	,	PUNCT
fsr-3471	179	55	an	an	DET
fsr-3471	179	56	d	d	PROPN
fsr-3471	179	57	fi	fi	NOUN
fsr-3471	179	58	v	v	NOUN
fsr-3471	179	59	e	e	NOUN
fsr-3471	179	60	is	be	AUX
fsr-3471	179	61	o	o	NOUN
fsr-3471	179	62	v	v	ADP
fsr-3471	179	63	er	er	INTJ
fsr-3471	179	64	6	6	NUM
fsr-3471	179	65	5	5	NUM
fsr-3471	179	66	.	.	PUNCT
fsr-3471	180	1	m	m	PROPN
fsr-3471	180	2	ar	ar	PROPN
fsr-3471	180	3	ri	ri	PROPN
fsr-3471	180	4	ag	ag	PROPN
fsr-3471	180	5	es	es	X
fsr-3471	180	6	ta	ta	PROPN
fsr-3471	181	1	tu	tu	PROPN
fsr-3471	181	2	s	s	PROPN
fsr-3471	181	3	is	be	AUX
fsr-3471	181	4	eq	eq	ADP
fsr-3471	181	5	u	u	PROPN
fsr-3471	181	6	al	al	PROPN
fsr-3471	181	7	to	to	ADP
fsr-3471	181	8	1	1	NUM
fsr-3471	181	9	if	if	SCONJ
fsr-3471	181	10	m	m	PROPN
fsr-3471	181	11	ar	ar	PROPN
fsr-3471	181	12	ri	ri	PROPN
fsr-3471	181	13	ed	ed	PROPN
fsr-3471	181	14	an	an	PROPN
fsr-3471	181	15	d	d	NOUN
fsr-3471	181	16	0	0	NUM
fsr-3471	181	17	o	o	NOUN
fsr-3471	182	1	th	th	X
fsr-3471	182	2	er	er	INTJ
fsr-3471	182	3	w	w	PROPN
fsr-3471	182	4	is	be	AUX
fsr-3471	182	5	e.	e.	PROPN
fsr-3471	182	6	a	a	PROPN
fsr-3471	183	1	d	d	PROPN
fsr-3471	183	2	v	v	PROPN
fsr-3471	183	3	is	be	AUX
fsr-3471	183	4	o	o	PROPN
fsr-3471	183	5	rt	rt	NOUN
fsr-3471	183	6	y	y	PROPN
fsr-3471	183	7	p	p	PROPN
fsr-3471	183	8	e	e	PROPN
fsr-3471	183	9	is	be	AUX
fsr-3471	183	10	eq	eq	ADP
fsr-3471	183	11	u	u	PROPN
fsr-3471	183	12	al	al	PROPN
fsr-3471	183	13	to	to	ADP
fsr-3471	183	14	1	1	NUM
fsr-3471	183	15	if	if	SCONJ
fsr-3471	183	16	th	th	X
fsr-3471	183	17	e	e	X
fsr-3471	183	18	p	p	NOUN
fsr-3471	184	1	er	er	INTJ
fsr-3471	184	2	so	so	ADV
fsr-3471	184	3	n	n	PROPN
fsr-3471	184	4	is	be	AUX
fsr-3471	184	5	a	a	DET
fsr-3471	184	6	co	co	NOUN
fsr-3471	184	7	m	m	NOUN
fsr-3471	184	8	p	p	X
fsr-3471	184	9	re	re	ADP
fsr-3471	184	10	h	h	PROPN
fsr-3471	184	11	en	en	X
fsr-3471	184	12	si	si	PROPN
fsr-3471	184	13	v	v	ADP
fsr-3471	184	14	e	e	PROPN
fsr-3471	184	15	fi	fi	NOUN
fsr-3471	184	16	n	n	CCONJ
fsr-3471	184	17	an	an	DET
fsr-3471	184	18	ci	ci	NOUN
fsr-3471	184	19	al	al	PROPN
fsr-3471	184	20	p	p	PROPN
fsr-3471	184	21	la	la	PROPN
fsr-3471	184	22	n	n	CCONJ
fsr-3471	184	23	n	n	ADV
fsr-3471	184	24	er	er	INTJ
fsr-3471	184	25	an	an	DET
fsr-3471	184	26	d	d	NOUN
fsr-3471	184	27	0	0	NUM
fsr-3471	184	28	o	o	NOUN
fsr-3471	184	29	th	th	X
fsr-3471	184	30	er	er	INTJ
fsr-3471	184	31	w	w	PROPN
fsr-3471	184	32	is	be	AUX
fsr-3471	184	33	e.	e.	PROPN
fsr-3471	184	34	c	c	PROPN
fsr-3471	185	1	f	f	PROPN
fsr-3471	186	1	p	p	X
fsr-3471	187	1	c	c	NOUN
fsr-3471	187	2	o	o	X
fsr-3471	187	3	d	d	X
fsr-3471	187	4	e	e	NOUN
fsr-3471	187	5	is	be	AUX
fsr-3471	187	6	eq	eq	ADP
fsr-3471	187	7	u	u	PROPN
fsr-3471	187	8	al	al	PROPN
fsr-3471	187	9	to	to	ADP
fsr-3471	187	10	o	o	PROPN
fsr-3471	187	11	n	n	ADP
fsr-3471	187	12	e	e	NOUN
fsr-3471	187	13	if	if	SCONJ
fsr-3471	187	14	th	th	X
fsr-3471	187	15	e	e	X
fsr-3471	187	16	p	p	NOUN
fsr-3471	188	1	er	er	INTJ
fsr-3471	188	2	so	so	ADV
fsr-3471	188	3	n	n	PROPN
fsr-3471	188	4	is	be	AUX
fsr-3471	188	5	a	a	DET
fsr-3471	188	6	c	c	NOUN
fsr-3471	188	7	f	f	NOUN
fsr-3471	188	8	p	p	NOUN
fsr-3471	188	9	an	an	DET
fsr-3471	188	10	d	d	NOUN
fsr-3471	188	11	0	0	NUM
fsr-3471	188	12	o	o	NOUN
fsr-3471	188	13	th	th	X
fsr-3471	188	14	er	er	INTJ
fsr-3471	188	15	w	w	PROPN
fsr-3471	188	16	is	be	AUX
fsr-3471	188	17	e.	e.	PROPN
fsr-3471	188	18	l	l	PROPN
fsr-3471	188	19	iq	iq	NOUN
fsr-3471	189	1	u	u	PROPN
fsr-3471	189	2	i	i	PROPN
fsr-3471	189	3	d	d	PROPN
fsr-3471	189	4	as	as	ADV
fsr-3471	189	5	se	se	X
fsr-3471	189	6	ts	ts	ADP
fsr-3471	189	7	ra	ra	PROPN
fsr-3471	189	8	n	n	ADV
fsr-3471	189	9	g	g	PROPN
fsr-3471	189	10	e	e	PROPN
fsr-3471	189	11	b	b	PROPN
fsr-3471	189	12	et	et	PROPN
fsr-3471	189	13	w	w	PROPN
fsr-3471	189	14	ee	ee	PROPN
fsr-3471	189	15	n	n	ADV
fsr-3471	189	16	1	1	NUM
fsr-3471	189	17	to	to	ADP
fsr-3471	189	18	5	5	NUM
fsr-3471	189	19	,	,	PUNCT
fsr-3471	189	20	d	d	PROPN
fsr-3471	189	21	ep	ep	PROPN
fsr-3471	189	22	en	en	PROPN
fsr-3471	189	23	d	d	PROPN
fsr-3471	189	24	in	in	ADP
fsr-3471	189	25	g	g	PROPN
fsr-3471	189	26	o	o	NOUN
fsr-3471	189	27	n	n	CCONJ
fsr-3471	189	28	th	th	X
fsr-3471	189	29	e	e	NOUN
fsr-3471	189	30	am	be	AUX
fsr-3471	189	31	o	o	NOUN
fsr-3471	189	32	u	u	NOUN
fsr-3471	189	33	n	n	ADP
fsr-3471	189	34	t	t	NOUN
fsr-3471	190	1	o	o	X
fsr-3471	190	2	f	f	X
fsr-3471	190	3	av	av	PROPN
fsr-3471	190	4	ai	ai	VERB
fsr-3471	190	5	la	la	PROPN
fsr-3471	190	6	b	b	X
fsr-3471	190	7	le	le	X
fsr-3471	190	8	as	as	ADV
fsr-3471	190	9	se	se	X
fsr-3471	190	10	ts	ts	X
fsr-3471	190	11	.	.	PUNCT
fsr-3471	191	1	o	o	NOUN
fsr-3471	192	1	n	n	NUM
fsr-3471	192	2	e	e	NOUN
fsr-3471	192	3	is	be	AUX
fsr-3471	192	4	le	le	INTJ
fsr-3471	192	5	ss	ss	NOUN
fsr-3471	192	6	th	th	X
fsr-3471	192	7	an	an	DET
fsr-3471	192	8	$	$	SYM
fsr-3471	192	9	3	3	NUM
fsr-3471	192	10	,	,	PUNCT
fsr-3471	192	11	0	0	NUM
fsr-3471	192	12	0	0	NUM
fsr-3471	192	13	0	0	NUM
fsr-3471	192	14	,	,	PUNCT
fsr-3471	192	15	tw	tw	INTJ
fsr-3471	192	16	o	o	NOUN
fsr-3471	192	17	is	be	AUX
fsr-3471	192	18	b	b	PROPN
fsr-3471	192	19	et	et	PROPN
fsr-3471	192	20	w	w	PROPN
fsr-3471	192	21	ee	ee	PROPN
fsr-3471	192	22	n	n	PROPN
fsr-3471	192	23	$	$	SYM
fsr-3471	192	24	3	3	NUM
fsr-3471	192	25	,	,	PUNCT
fsr-3471	192	26	0	0	NUM
fsr-3471	192	27	0	0	NUM
fsr-3471	192	28	0	0	NUM
fsr-3471	192	29	-$	-$	NOUN
fsr-3471	192	30	1	1	NUM
fsr-3471	192	31	0	0	NUM
fsr-3471	192	32	,	,	PUNCT
fsr-3471	192	33	0	0	NUM
fsr-3471	192	34	0	0	NUM
fsr-3471	192	35	0	0	NUM
fsr-3471	192	36	,	,	PUNCT
fsr-3471	192	37	th	th	X
fsr-3471	192	38	re	re	ADP
fsr-3471	192	39	e	e	PROPN
fsr-3471	192	40	is	be	AUX
fsr-3471	192	41	$	$	SYM
fsr-3471	192	42	1	1	NUM
fsr-3471	192	43	0	0	NUM
fsr-3471	192	44	,	,	PUNCT
fsr-3471	192	45	0	0	NUM
fsr-3471	192	46	0	0	NUM
fsr-3471	192	47	0	0	NUM
fsr-3471	192	48	-$	-$	NOUN
fsr-3471	192	49	2	2	NUM
fsr-3471	192	50	0	0	NUM
fsr-3471	192	51	,	,	PUNCT
fsr-3471	192	52	0	0	NUM
fsr-3471	192	53	0	0	NUM
fsr-3471	192	54	0	0	NUM
fsr-3471	192	55	,	,	PUNCT
fsr-3471	192	56	fo	fo	ADP
fsr-3471	192	57	u	u	NOUN
fsr-3471	192	58	r	r	NOUN
fsr-3471	192	59	is	be	AUX
fsr-3471	192	60	$	$	SYM
fsr-3471	192	61	2	2	NUM
fsr-3471	192	62	0	0	NUM
fsr-3471	192	63	,	,	PUNCT
fsr-3471	192	64	0	0	NUM
fsr-3471	192	65	0	0	NUM
fsr-3471	192	66	0	0	NUM
fsr-3471	192	67	to	to	ADP
fsr-3471	192	68	$	$	SYM
fsr-3471	192	69	5	5	NUM
fsr-3471	192	70	0	0	NUM
fsr-3471	192	71	,	,	PUNCT
fsr-3471	192	72	0	0	NUM
fsr-3471	192	73	0	0	NUM
fsr-3471	192	74	0	0	NUM
fsr-3471	192	75	,	,	PUNCT
fsr-3471	192	76	an	an	DET
fsr-3471	192	77	d	d	PROPN
fsr-3471	192	78	fi	fi	NOUN
fsr-3471	192	79	v	v	NOUN
fsr-3471	192	80	e	e	NOUN
fsr-3471	192	81	is	be	AUX
fsr-3471	192	82	m	m	PRON
fsr-3471	192	83	o	o	NOUN
fsr-3471	192	84	re	re	X
fsr-3471	192	85	th	th	X
fsr-3471	192	86	an	an	DET
fsr-3471	192	87	$	$	SYM
fsr-3471	192	88	5	5	NUM
fsr-3471	192	89	0	0	NUM
fsr-3471	192	90	,	,	PUNCT
fsr-3471	192	91	0	0	NUM
fsr-3471	192	92	0	0	NUM
fsr-3471	192	93	0	0	NUM
fsr-3471	192	94	.	.	PUNCT
fsr-3471	193	1	in	in	ADP
fsr-3471	193	2	co	co	NOUN
fsr-3471	193	3	m	m	PROPN
fsr-3471	193	4	e	e	NOUN
fsr-3471	193	5	is	be	AUX
fsr-3471	193	6	a	a	DET
fsr-3471	193	7	ra	ra	NOUN
fsr-3471	193	8	n	n	ADV
fsr-3471	193	9	g	g	PROPN
fsr-3471	193	10	e	e	PROPN
fsr-3471	193	11	b	b	PROPN
fsr-3471	193	12	et	et	PROPN
fsr-3471	193	13	w	w	PROPN
fsr-3471	193	14	ee	ee	PROPN
fsr-3471	193	15	n	n	PROPN
fsr-3471	193	16	o	o	NOUN
fsr-3471	193	17	n	n	X
fsr-3471	193	18	e	e	X
fsr-3471	193	19	an	an	PROPN
fsr-3471	193	20	d	d	PROPN
fsr-3471	193	21	fi	fi	NOUN
fsr-3471	193	22	v	v	ADP
fsr-3471	193	23	e	e	NOUN
fsr-3471	193	24	w	w	NOUN
fsr-3471	193	25	h	h	NOUN
fsr-3471	194	1	er	er	INTJ
fsr-3471	194	2	e	e	X
fsr-3471	194	3	o	o	NOUN
fsr-3471	194	4	n	n	X
fsr-3471	194	5	e	e	X
fsr-3471	194	6	re	re	ADP
fsr-3471	194	7	p	p	NOUN
fsr-3471	194	8	re	re	X
fsr-3471	194	9	se	se	X
fsr-3471	194	10	n	n	ADV
fsr-3471	194	11	ts	ts	X
fsr-3471	194	12	le	le	X
fsr-3471	194	13	ss	ss	NOUN
fsr-3471	194	14	th	th	X
fsr-3471	194	15	an	an	DET
fsr-3471	194	16	$	$	SYM
fsr-3471	194	17	5	5	NUM
fsr-3471	194	18	0	0	NUM
fsr-3471	194	19	,	,	PUNCT
fsr-3471	194	20	0	0	NUM
fsr-3471	194	21	0	0	NUM
fsr-3471	194	22	0	0	NUM
fsr-3471	195	1	p	p	NOUN
fsr-3471	195	2	er	er	INTJ
fsr-3471	195	3	y	y	PROPN
fsr-3471	195	4	ea	ea	PROPN
fsr-3471	196	1	r	r	PROPN
fsr-3471	196	2	,	,	PUNCT
fsr-3471	196	3	tw	tw	NOUN
fsr-3471	196	4	o	o	NOUN
fsr-3471	196	5	re	re	ADP
fsr-3471	196	6	p	p	X
fsr-3471	196	7	re	re	X
fsr-3471	196	8	se	se	X
fsr-3471	196	9	n	n	ADV
fsr-3471	196	10	ts	ts	ADP
fsr-3471	196	11	$	$	SYM
fsr-3471	196	12	5	5	NUM
fsr-3471	196	13	0	0	NUM
fsr-3471	196	14	,	,	PUNCT
fsr-3471	196	15	0	0	NUM
fsr-3471	196	16	0	0	NUM
fsr-3471	196	17	0	0	NUM
fsr-3471	196	18	-$	-$	NOUN
fsr-3471	196	19	1	1	NUM
fsr-3471	196	20	0	0	NUM
fsr-3471	196	21	0	0	NUM
fsr-3471	196	22	,	,	PUNCT
fsr-3471	196	23	0	0	NUM
fsr-3471	196	24	0	0	NUM
fsr-3471	196	25	0	0	NUM
fsr-3471	196	26	,	,	PUNCT
fsr-3471	196	27	th	th	X
fsr-3471	196	28	re	re	X
fsr-3471	196	29	e	e	X
fsr-3471	196	30	re	re	ADP
fsr-3471	196	31	p	p	X
fsr-3471	196	32	re	re	X
fsr-3471	196	33	se	se	X
fsr-3471	196	34	n	n	ADV
fsr-3471	196	35	ts	ts	ADP
fsr-3471	196	36	$	$	SYM
fsr-3471	196	37	1	1	NUM
fsr-3471	196	38	0	0	NUM
fsr-3471	196	39	0	0	NUM
fsr-3471	196	40	,	,	PUNCT
fsr-3471	196	41	0	0	NUM
fsr-3471	196	42	0	0	NUM
fsr-3471	196	43	0	0	NUM
fsr-3471	196	44	-$	-$	NOUN
fsr-3471	196	45	1	1	NUM
fsr-3471	196	46	5	5	NUM
fsr-3471	196	47	0	0	NUM
fsr-3471	196	48	,	,	PUNCT
fsr-3471	196	49	0	0	NUM
fsr-3471	196	50	0	0	NUM
fsr-3471	196	51	0	0	NUM
fsr-3471	196	52	,	,	PUNCT
fsr-3471	196	53	fo	fo	ADP
fsr-3471	196	54	u	u	NOUN
fsr-3471	196	55	r	r	NOUN
fsr-3471	196	56	re	re	ADP
fsr-3471	196	57	p	p	NOUN
fsr-3471	196	58	re	re	X
fsr-3471	196	59	se	se	X
fsr-3471	196	60	n	n	ADV
fsr-3471	196	61	ts	ts	ADV
fsr-3471	196	62	$	$	SYM
fsr-3471	196	63	1	1	NUM
fsr-3471	196	64	5	5	NUM
fsr-3471	196	65	0	0	NUM
fsr-3471	196	66	,	,	PUNCT
fsr-3471	196	67	0	0	NUM
fsr-3471	196	68	0	0	NUM
fsr-3471	196	69	0	0	NUM
fsr-3471	196	70	-$	-$	NOUN
fsr-3471	196	71	2	2	NUM
fsr-3471	196	72	0	0	NUM
fsr-3471	196	73	0	0	NUM
fsr-3471	196	74	,	,	PUNCT
fsr-3471	196	75	0	0	NUM
fsr-3471	196	76	0	0	NUM
fsr-3471	196	77	0	0	NUM
fsr-3471	196	78	,	,	PUNCT
fsr-3471	196	79	an	an	DET
fsr-3471	196	80	d	d	PROPN
fsr-3471	196	81	fi	fi	NOUN
fsr-3471	196	82	v	v	ADP
fsr-3471	196	83	e	e	X
fsr-3471	196	84	re	re	ADP
fsr-3471	196	85	p	p	NOUN
fsr-3471	196	86	re	re	X
fsr-3471	196	87	se	se	X
fsr-3471	196	88	n	n	ADV
fsr-3471	196	89	ts	ts	ADP
fsr-3471	196	90	m	m	PROPN
fsr-3471	196	91	o	o	NOUN
fsr-3471	196	92	re	re	X
fsr-3471	196	93	th	th	X
fsr-3471	196	94	an	an	DET
fsr-3471	196	95	$	$	SYM
fsr-3471	196	96	2	2	NUM
fsr-3471	196	97	0	0	NUM
fsr-3471	196	98	0	0	NUM
fsr-3471	196	99	,	,	PUNCT
fsr-3471	196	100	0	0	NUM
fsr-3471	196	101	0	0	NUM
fsr-3471	196	102	0	0	NUM
fsr-3471	196	103	.	.	PUNCT
fsr-3471	197	1	n.	n.	PROPN
fsr-3471	197	2	azamian	azamian	PROPN
fsr-3471	197	3	et	et	PROPN
fsr-3471	197	4	al	al	PROPN
fsr-3471	197	5	.	.	PUNCT
fsr-3471	197	6	/	/	SYM
fsr-3471	197	7	financial	financial	ADJ
fsr-3471	197	8	services	service	NOUN
fsr-3471	197	9	review	review	VERB
fsr-3471	197	10	30	30	NUM
fsr-3471	197	11	(	(	PUNCT
fsr-3471	197	12	2022	2022	NUM
fsr-3471	197	13	)	)	PUNCT
fsr-3471	197	14	57–68	57–68	NUM
fsr-3471	197	15	63	63	NUM