id	sid	tid	token	lemma	pos
fsr-3477	1	1	financial	financial	ADJ
fsr-3477	1	2	literacy	literacy	NOUN
fsr-3477	1	3	and	and	CCONJ
fsr-3477	1	4	its	its	PRON
fsr-3477	1	5	impact	impact	NOUN
fsr-3477	1	6	on	on	ADP
fsr-3477	1	7	the	the	DET
fsr-3477	1	8	credit	credit	NOUN
fsr-3477	1	9	card	card	NOUN
fsr-3477	1	10	debt	debt	NOUN
fsr-3477	1	11	puzzle	puzzle	NOUN
fsr-3477	1	12	laura	laura	PROPN
fsr-3477	1	13	c.	c.	PROPN
fsr-3477	1	14	ricaldia	ricaldia	PROPN
fsr-3477	1	15	*	*	PROPN
fsr-3477	1	16	,	,	PUNCT
fsr-3477	1	17	terrance	terrance	PROPN
fsr-3477	1	18	k.	k.	PROPN
fsr-3477	1	19	martina	martina	PROPN
fsr-3477	1	20	,	,	PUNCT
fsr-3477	1	21	sandra	sandra	PROPN
fsr-3477	1	22	j.	j.	PROPN
fsr-3477	1	23	hustonb	hustonb	PROPN
fsr-3477	1	24	adepartment	adepartment	NOUN
fsr-3477	1	25	of	of	ADP
fsr-3477	1	26	finance	finance	NOUN
fsr-3477	1	27	and	and	CCONJ
fsr-3477	1	28	economics	economic	NOUN
fsr-3477	1	29	,	,	PUNCT
fsr-3477	1	30	utah	utah	PROPN
fsr-3477	1	31	valley	valley	PROPN
fsr-3477	1	32	university	university	PROPN
fsr-3477	1	33	,	,	PUNCT
fsr-3477	1	34	800	800	NUM
fsr-3477	1	35	west	west	PROPN
fsr-3477	1	36	university	university	PROPN
fsr-3477	1	37	parkway	parkway	NOUN
fsr-3477	1	38	,	,	PUNCT
fsr-3477	1	39	ms	ms	PROPN
fsr-3477	1	40	280	280	NUM
fsr-3477	1	41	,	,	PUNCT
fsr-3477	1	42	orem	orem	PROPN
fsr-3477	1	43	,	,	PUNCT
fsr-3477	1	44	ut	ut	PROPN
fsr-3477	1	45	84058	84058	NUM
fsr-3477	1	46	,	,	PUNCT
fsr-3477	1	47	usa	usa	PROPN
fsr-3477	1	48	bschool	bschool	PROPN
fsr-3477	1	49	of	of	ADP
fsr-3477	1	50	financial	financial	ADJ
fsr-3477	1	51	planning	planning	NOUN
fsr-3477	1	52	,	,	PUNCT
fsr-3477	1	53	texas	texas	PROPN
fsr-3477	1	54	tech	tech	PROPN
fsr-3477	1	55	university	university	PROPN
fsr-3477	1	56	,	,	PUNCT
fsr-3477	1	57	1301	1301	NUM
fsr-3477	1	58	akron	akron	PROPN
fsr-3477	1	59	avenue	avenue	PROPN
fsr-3477	1	60	,	,	PUNCT
fsr-3477	1	61	ms	ms	PROPN
fsr-3477	1	62	41210	41210	NUM
fsr-3477	1	63	,	,	PUNCT
fsr-3477	1	64	lubbock	lubbock	PROPN
fsr-3477	1	65	,	,	PUNCT
fsr-3477	1	66	tx	tx	PROPN
fsr-3477	1	67	79406	79406	NUM
fsr-3477	1	68	,	,	PUNCT
fsr-3477	1	69	usa	usa	PROPN
fsr-3477	1	70	abstract	abstract	PROPN
fsr-3477	1	71	the	the	DET
fsr-3477	1	72	credit	credit	NOUN
fsr-3477	1	73	card	card	NOUN
fsr-3477	1	74	debt	debt	NOUN
fsr-3477	1	75	puzzle	puzzle	NOUN
fsr-3477	1	76	is	be	AUX
fsr-3477	1	77	not	not	PART
fsr-3477	1	78	well	well	ADV
fsr-3477	1	79	understood	understand	VERB
fsr-3477	1	80	.	.	PUNCT
fsr-3477	2	1	households	household	NOUN
fsr-3477	2	2	exhibit	exhibit	VERB
fsr-3477	2	3	inefficient	inefficient	ADJ
fsr-3477	2	4	behavior	behavior	NOUN
fsr-3477	2	5	when	when	SCONJ
fsr-3477	2	6	they	they	PRON
fsr-3477	2	7	have	have	VERB
fsr-3477	2	8	sufficient	sufficient	ADJ
fsr-3477	2	9	liquid	liquid	ADJ
fsr-3477	2	10	assets	asset	NOUN
fsr-3477	2	11	to	to	PART
fsr-3477	2	12	pay	pay	VERB
fsr-3477	2	13	off	off	ADP
fsr-3477	2	14	their	their	PRON
fsr-3477	2	15	credit	credit	NOUN
fsr-3477	2	16	card	card	NOUN
fsr-3477	2	17	balance	balance	NOUN
fsr-3477	2	18	,	,	PUNCT
fsr-3477	2	19	but	but	CCONJ
fsr-3477	2	20	do	do	VERB
fsr-3477	2	21	not	not	PART
fsr-3477	2	22	.	.	PUNCT
fsr-3477	3	1	based	base	VERB
fsr-3477	3	2	multinomial	multinomial	ADJ
fsr-3477	3	3	regression	regression	NOUN
fsr-3477	3	4	analyses	analysis	NOUN
fsr-3477	3	5	of	of	ADP
fsr-3477	3	6	the	the	DET
fsr-3477	3	7	2016	2016	NUM
fsr-3477	3	8	survey	survey	NOUN
fsr-3477	3	9	of	of	ADP
fsr-3477	3	10	consumer	consumer	NOUN
fsr-3477	3	11	finances	finance	NOUN
fsr-3477	3	12	,	,	PUNCT
fsr-3477	3	13	the	the	DET
fsr-3477	3	14	study	study	NOUN
fsr-3477	3	15	discovered	discover	VERB
fsr-3477	3	16	that	that	SCONJ
fsr-3477	3	17	households	household	NOUN
fsr-3477	3	18	that	that	PRON
fsr-3477	3	19	display	display	VERB
fsr-3477	3	20	this	this	DET
fsr-3477	3	21	behavior	behavior	NOUN
fsr-3477	3	22	are	be	AUX
fsr-3477	3	23	more	more	ADV
fsr-3477	3	24	likely	likely	ADJ
fsr-3477	3	25	to	to	PART
fsr-3477	3	26	have	have	VERB
fsr-3477	3	27	lower	low	ADJ
fsr-3477	3	28	financial	financial	ADJ
fsr-3477	3	29	literacy	literacy	NOUN
fsr-3477	3	30	than	than	ADP
fsr-3477	3	31	convenience	convenience	NOUN
fsr-3477	3	32	users	user	NOUN
fsr-3477	3	33	.	.	PUNCT
fsr-3477	4	1	the	the	DET
fsr-3477	4	2	findings	finding	NOUN
fsr-3477	4	3	suggest	suggest	VERB
fsr-3477	4	4	financially	financially	ADV
fsr-3477	4	5	literate	literate	ADJ
fsr-3477	4	6	households	household	NOUN
fsr-3477	4	7	are	be	AUX
fsr-3477	4	8	less	less	ADV
fsr-3477	4	9	likely	likely	ADJ
fsr-3477	4	10	to	to	PART
fsr-3477	4	11	display	display	VERB
fsr-3477	4	12	irrational	irrational	ADJ
fsr-3477	4	13	behavior	behavior	NOUN
fsr-3477	4	14	regarding	regard	VERB
fsr-3477	4	15	the	the	DET
fsr-3477	4	16	credit	credit	NOUN
fsr-3477	4	17	card	card	NOUN
fsr-3477	4	18	debt	debt	NOUN
fsr-3477	4	19	puzzle	puzzle	NOUN
fsr-3477	4	20	.	.	PUNCT
fsr-3477	5	1	©	©	ADP
fsr-3477	5	2	2022	2022	NUM
fsr-3477	5	3	academy	academy	NOUN
fsr-3477	5	4	of	of	ADP
fsr-3477	5	5	financial	financial	ADJ
fsr-3477	5	6	services	service	NOUN
fsr-3477	5	7	.	.	PUNCT
fsr-3477	6	1	all	all	DET
fsr-3477	6	2	rights	right	NOUN
fsr-3477	6	3	reserved	reserve	VERB
fsr-3477	6	4	.	.	PUNCT
fsr-3477	7	1	jel	jel	PROPN
fsr-3477	7	2	classifications	classification	NOUN
fsr-3477	7	3	:	:	PUNCT
fsr-3477	7	4	g530	g530	PROPN
fsr-3477	7	5	;	;	PUNCT
fsr-3477	7	6	j24	j24	PROPN
fsr-3477	7	7	;	;	PUNCT
fsr-3477	7	8	g510	g510	PROPN
fsr-3477	7	9	keywords	keyword	NOUN
fsr-3477	7	10	:	:	PUNCT
fsr-3477	7	11	behavioral	behavioral	ADJ
fsr-3477	7	12	life	life	NOUN
fsr-3477	7	13	-	-	PUNCT
fsr-3477	7	14	cycle	cycle	NOUN
fsr-3477	7	15	;	;	PUNCT
fsr-3477	7	16	credit	credit	NOUN
fsr-3477	7	17	card	card	NOUN
fsr-3477	7	18	debt	debt	NOUN
fsr-3477	7	19	puzzle	puzzle	NOUN
fsr-3477	7	20	;	;	PUNCT
fsr-3477	7	21	financial	financial	ADJ
fsr-3477	7	22	literacy	literacy	NOUN
fsr-3477	7	23	;	;	PUNCT
fsr-3477	7	24	2016	2016	NUM
fsr-3477	7	25	survey	survey	NOUN
fsr-3477	7	26	of	of	ADP
fsr-3477	7	27	consumer	consumer	NOUN
fsr-3477	7	28	finances	finance	NOUN
fsr-3477	7	29	1	1	NUM
fsr-3477	7	30	.	.	PUNCT
fsr-3477	7	31	introduction	introduction	NOUN
fsr-3477	7	32	household	household	NOUN
fsr-3477	7	33	credit	credit	NOUN
fsr-3477	7	34	card	card	NOUN
fsr-3477	7	35	use	use	NOUN
fsr-3477	7	36	is	be	AUX
fsr-3477	7	37	widespread	widespread	ADJ
fsr-3477	7	38	.	.	PUNCT
fsr-3477	8	1	comparing	compare	VERB
fsr-3477	8	2	all	all	DET
fsr-3477	8	3	debt	debt	NOUN
fsr-3477	8	4	across	across	ADP
fsr-3477	8	5	households	household	NOUN
fsr-3477	8	6	,	,	PUNCT
fsr-3477	8	7	credit	credit	NOUN
fsr-3477	8	8	card	card	NOUN
fsr-3477	8	9	debt	debt	NOUN
fsr-3477	8	10	is	be	AUX
fsr-3477	8	11	the	the	DET
fsr-3477	8	12	debt	debt	NOUN
fsr-3477	8	13	type	type	NOUN
fsr-3477	8	14	most	most	ADV
fsr-3477	8	15	extensively	extensively	ADV
fsr-3477	8	16	used	use	VERB
fsr-3477	8	17	by	by	ADP
fsr-3477	8	18	households	household	NOUN
fsr-3477	8	19	(	(	PUNCT
fsr-3477	8	20	bricker	bricker	NOUN
fsr-3477	8	21	et	et	NOUN
fsr-3477	8	22	al	al	PROPN
fsr-3477	8	23	.	.	PROPN
fsr-3477	8	24	,	,	PUNCT
fsr-3477	8	25	2017	2017	NUM
fsr-3477	8	26	)	)	PUNCT
fsr-3477	8	27	.	.	PUNCT
fsr-3477	9	1	over	over	ADP
fsr-3477	9	2	70	70	NUM
fsr-3477	9	3	%	%	NOUN
fsr-3477	9	4	of	of	ADP
fsr-3477	9	5	u.s	u.s	PROPN
fsr-3477	9	6	.	.	PROPN
fsr-3477	9	7	households	household	NOUN
fsr-3477	9	8	have	have	VERB
fsr-3477	9	9	a	a	DET
fsr-3477	9	10	credit	credit	NOUN
fsr-3477	9	11	card	card	NOUN
fsr-3477	9	12	(	(	PUNCT
fsr-3477	9	13	bucks	buck	NOUN
fsr-3477	9	14	,	,	PUNCT
fsr-3477	9	15	kennickell	kennickell	NOUN
fsr-3477	9	16	,	,	PUNCT
fsr-3477	9	17	mach	mach	NOUN
fsr-3477	9	18	,	,	PUNCT
fsr-3477	9	19	&	&	CCONJ
fsr-3477	9	20	moore	moore	PROPN
fsr-3477	9	21	,	,	PUNCT
fsr-3477	9	22	2009	2009	NUM
fsr-3477	9	23	)	)	PUNCT
fsr-3477	9	24	.	.	PUNCT
fsr-3477	10	1	there	there	PRON
fsr-3477	10	2	are	be	VERB
fsr-3477	10	3	two	two	NUM
fsr-3477	10	4	main	main	ADJ
fsr-3477	10	5	groups	group	NOUN
fsr-3477	10	6	of	of	ADP
fsr-3477	10	7	credit	credit	NOUN
fsr-3477	10	8	card	card	NOUN
fsr-3477	10	9	users	user	NOUN
fsr-3477	10	10	:	:	PUNCT
fsr-3477	10	11	those	those	DET
fsr-3477	10	12	users	user	NOUN
fsr-3477	10	13	who	who	PRON
fsr-3477	10	14	pay	pay	VERB
fsr-3477	10	15	off	off	ADP
fsr-3477	10	16	their	their	PRON
fsr-3477	10	17	balance	balance	NOUN
fsr-3477	10	18	at	at	ADP
fsr-3477	10	19	the	the	DET
fsr-3477	10	20	end	end	NOUN
fsr-3477	10	21	of	of	ADP
fsr-3477	10	22	each	each	DET
fsr-3477	10	23	month	month	NOUN
fsr-3477	10	24	,	,	PUNCT
fsr-3477	10	25	commonly	commonly	ADV
fsr-3477	10	26	called	call	VERB
fsr-3477	10	27	convenience	convenience	NOUN
fsr-3477	10	28	users	user	NOUN
fsr-3477	10	29	,	,	PUNCT
fsr-3477	10	30	and	and	CCONJ
fsr-3477	10	31	those	those	PRON
fsr-3477	10	32	who	who	PRON
fsr-3477	10	33	carry	carry	VERB
fsr-3477	10	34	a	a	DET
fsr-3477	10	35	balance	balance	NOUN
fsr-3477	10	36	from	from	ADP
fsr-3477	10	37	month	month	NOUN
fsr-3477	10	38	to	to	ADP
fsr-3477	10	39	month	month	NOUN
fsr-3477	10	40	.	.	PUNCT
fsr-3477	11	1	these	these	DET
fsr-3477	11	2	households	household	NOUN
fsr-3477	11	3	that	that	PRON
fsr-3477	11	4	carry	carry	VERB
fsr-3477	11	5	a	a	DET
fsr-3477	11	6	balance	balance	NOUN
fsr-3477	11	7	from	from	ADP
fsr-3477	11	8	month	month	NOUN
fsr-3477	11	9	to	to	ADP
fsr-3477	11	10	month	month	NOUN
fsr-3477	11	11	are	be	AUX
fsr-3477	11	12	known	know	VERB
fsr-3477	11	13	as	as	ADP
fsr-3477	11	14	revolving	revolve	VERB
fsr-3477	11	15	credit	credit	NOUN
fsr-3477	11	16	card	card	NOUN
fsr-3477	11	17	users	user	NOUN
fsr-3477	11	18	(	(	PUNCT
fsr-3477	11	19	kim	kim	PROPN
fsr-3477	11	20	&	&	CCONJ
fsr-3477	11	21	devaney	devaney	PROPN
fsr-3477	11	22	,	,	PUNCT
fsr-3477	11	23	2001	2001	NUM
fsr-3477	11	24	)	)	PUNCT
fsr-3477	11	25	.	.	PUNCT
fsr-3477	12	1	according	accord	VERB
fsr-3477	12	2	to	to	ADP
fsr-3477	12	3	the	the	DET
fsr-3477	12	4	2016	2016	NUM
fsr-3477	12	5	*	*	PUNCT
fsr-3477	12	6	corresponding	correspond	VERB
fsr-3477	12	7	author	author	NOUN
fsr-3477	12	8	.	.	PUNCT
fsr-3477	13	1	tel	tel	PROPN
fsr-3477	13	2	.	.	PUNCT
fsr-3477	13	3	:	:	PUNCT
fsr-3477	14	1	+1	+1	PROPN
fsr-3477	14	2	-	-	PUNCT
fsr-3477	14	3	806	806	NUM
fsr-3477	14	4	-	-	PUNCT
fsr-3477	14	5	787	787	NUM
fsr-3477	14	6	-	-	PUNCT
fsr-3477	14	7	0214	0214	NUM
fsr-3477	14	8	.	.	PUNCT
fsr-3477	15	1	e	e	X
fsr-3477	15	2	-	-	NOUN
fsr-3477	15	3	mail	mail	NOUN
fsr-3477	15	4	address	address	NOUN
fsr-3477	15	5	:	:	PUNCT
fsr-3477	15	6	laura.ricaldi@uvu.edu	laura.ricaldi@uvu.edu	PROPN
fsr-3477	15	7	1057	1057	NUM
fsr-3477	15	8	-	-	SYM
fsr-3477	15	9	0810/22/$	0810/22/$	NUM
fsr-3477	15	10	–	–	PUNCT
fsr-3477	15	11	see	see	VERB
fsr-3477	15	12	front	front	ADJ
fsr-3477	15	13	matter	matter	NOUN
fsr-3477	15	14	©	©	PROPN
fsr-3477	15	15	2022	2022	NUM
fsr-3477	15	16	academy	academy	NOUN
fsr-3477	15	17	of	of	ADP
fsr-3477	15	18	financial	financial	ADJ
fsr-3477	15	19	services	service	NOUN
fsr-3477	15	20	.	.	PUNCT
fsr-3477	16	1	all	all	DET
fsr-3477	16	2	rights	right	NOUN
fsr-3477	16	3	reserved	reserve	VERB
fsr-3477	16	4	.	.	PUNCT
fsr-3477	17	1	financial	financial	ADJ
fsr-3477	17	2	services	service	NOUN
fsr-3477	17	3	review	review	VERB
fsr-3477	17	4	30	30	NUM
fsr-3477	17	5	(	(	PUNCT
fsr-3477	17	6	2022	2022	NUM
fsr-3477	17	7	)	)	PUNCT
fsr-3477	18	1	107–124	107–124	NUM
fsr-3477	18	2	survey	survey	NOUN
fsr-3477	18	3	of	of	ADP
fsr-3477	18	4	consumer	consumer	NOUN
fsr-3477	18	5	finances	finance	NOUN
fsr-3477	18	6	,	,	PUNCT
fsr-3477	18	7	44	44	NUM
fsr-3477	18	8	%	%	NOUN
fsr-3477	18	9	of	of	ADP
fsr-3477	18	10	families	family	NOUN
fsr-3477	18	11	carry	carry	VERB
fsr-3477	18	12	a	a	DET
fsr-3477	18	13	balance	balance	NOUN
fsr-3477	18	14	on	on	ADP
fsr-3477	18	15	their	their	PRON
fsr-3477	18	16	credit	credit	NOUN
fsr-3477	18	17	cards	card	NOUN
fsr-3477	18	18	.	.	PUNCT
fsr-3477	19	1	since	since	SCONJ
fsr-3477	19	2	2013	2013	NUM
fsr-3477	19	3	,	,	PUNCT
fsr-3477	19	4	the	the	DET
fsr-3477	19	5	median	median	ADJ
fsr-3477	19	6	and	and	CCONJ
fsr-3477	19	7	mean	mean	ADJ
fsr-3477	19	8	balance	balance	NOUN
fsr-3477	19	9	both	both	PRON
fsr-3477	19	10	decreased	decrease	VERB
fsr-3477	19	11	by	by	ADP
fsr-3477	19	12	3	3	NUM
fsr-3477	19	13	%	%	NOUN
fsr-3477	19	14	balance	balance	NOUN
fsr-3477	19	15	(	(	PUNCT
fsr-3477	19	16	bricker	bricker	NOUN
fsr-3477	19	17	et	et	NOUN
fsr-3477	19	18	al	al	PROPN
fsr-3477	19	19	.	.	PROPN
fsr-3477	19	20	,	,	PUNCT
fsr-3477	19	21	2017	2017	NUM
fsr-3477	19	22	)	)	PUNCT
fsr-3477	19	23	.	.	PUNCT
fsr-3477	20	1	within	within	ADP
fsr-3477	20	2	the	the	DET
fsr-3477	20	3	revolving	revolve	VERB
fsr-3477	20	4	credit	credit	NOUN
fsr-3477	20	5	card	card	NOUN
fsr-3477	20	6	users	user	NOUN
fsr-3477	20	7	,	,	PUNCT
fsr-3477	20	8	there	there	PRON
fsr-3477	20	9	is	be	VERB
fsr-3477	20	10	a	a	DET
fsr-3477	20	11	group	group	NOUN
fsr-3477	20	12	of	of	ADP
fsr-3477	20	13	users	user	NOUN
fsr-3477	20	14	,	,	PUNCT
fsr-3477	20	15	solvent	solvent	NOUN
fsr-3477	20	16	revolvers	revolver	NOUN
fsr-3477	20	17	,	,	PUNCT
fsr-3477	20	18	who	who	PRON
fsr-3477	20	19	have	have	VERB
fsr-3477	20	20	enough	enough	ADJ
fsr-3477	20	21	liquid	liquid	ADJ
fsr-3477	20	22	assets	asset	NOUN
fsr-3477	20	23	to	to	PART
fsr-3477	20	24	pay	pay	VERB
fsr-3477	20	25	the	the	DET
fsr-3477	20	26	balance	balance	NOUN
fsr-3477	20	27	of	of	ADP
fsr-3477	20	28	their	their	PRON
fsr-3477	20	29	credit	credit	NOUN
fsr-3477	20	30	cards	card	NOUN
fsr-3477	20	31	but	but	CCONJ
fsr-3477	20	32	choose	choose	VERB
fsr-3477	20	33	not	not	PART
fsr-3477	20	34	to	to	PART
fsr-3477	20	35	pay	pay	VERB
fsr-3477	20	36	it	it	PRON
fsr-3477	20	37	off	off	ADP
fsr-3477	20	38	.	.	PUNCT
fsr-3477	21	1	bi	bi	NOUN
fsr-3477	21	2	(	(	PUNCT
fsr-3477	21	3	2005	2005	NUM
fsr-3477	21	4	)	)	PUNCT
fsr-3477	21	5	finds	find	VERB
fsr-3477	21	6	that	that	SCONJ
fsr-3477	21	7	58	58	NUM
fsr-3477	21	8	%	%	NOUN
fsr-3477	21	9	of	of	ADP
fsr-3477	21	10	revolving	revolve	VERB
fsr-3477	21	11	credit	credit	NOUN
fsr-3477	21	12	card	card	NOUN
fsr-3477	21	13	users	user	NOUN
fsr-3477	21	14	have	have	VERB
fsr-3477	21	15	liquid	liquid	ADJ
fsr-3477	21	16	assets	asset	NOUN
fsr-3477	21	17	(	(	PUNCT
fsr-3477	21	18	liquid	liquid	ADJ
fsr-3477	21	19	assets	asset	NOUN
fsr-3477	21	20	include	include	VERB
fsr-3477	21	21	monetary	monetary	ADJ
fsr-3477	21	22	assets	asset	NOUN
fsr-3477	21	23	including	include	VERB
fsr-3477	21	24	checking	checking	NOUN
fsr-3477	21	25	,	,	PUNCT
fsr-3477	21	26	saving	saving	NOUN
fsr-3477	21	27	,	,	PUNCT
fsr-3477	21	28	and	and	CCONJ
fsr-3477	21	29	money	money	NOUN
fsr-3477	21	30	market	market	NOUN
fsr-3477	21	31	accounts	account	NOUN
fsr-3477	21	32	and	and	CCONJ
fsr-3477	21	33	call	call	VERB
fsr-3477	21	34	accounts	account	NOUN
fsr-3477	21	35	)	)	PUNCT
fsr-3477	21	36	totaling	total	VERB
fsr-3477	21	37	more	more	ADJ
fsr-3477	21	38	than	than	ADP
fsr-3477	21	39	their	their	PRON
fsr-3477	21	40	credit	credit	NOUN
fsr-3477	21	41	card	card	NOUN
fsr-3477	21	42	balance	balance	NOUN
fsr-3477	21	43	.	.	PUNCT
fsr-3477	22	1	credit	credit	NOUN
fsr-3477	22	2	cards	card	NOUN
fsr-3477	22	3	typically	typically	ADV
fsr-3477	22	4	charge	charge	VERB
fsr-3477	22	5	high	high	ADJ
fsr-3477	22	6	interest	interest	NOUN
fsr-3477	22	7	rates	rate	NOUN
fsr-3477	22	8	on	on	ADP
fsr-3477	22	9	a	a	DET
fsr-3477	22	10	revolving	revolve	VERB
fsr-3477	22	11	balance	balance	NOUN
fsr-3477	22	12	and	and	CCONJ
fsr-3477	22	13	liquid	liquid	ADJ
fsr-3477	22	14	accounts	account	NOUN
fsr-3477	22	15	(	(	PUNCT
fsr-3477	22	16	like	like	ADP
fsr-3477	22	17	checking	checking	NOUN
fsr-3477	22	18	and	and	CCONJ
fsr-3477	22	19	money	money	NOUN
fsr-3477	22	20	market	market	NOUN
fsr-3477	22	21	accounts	account	NOUN
fsr-3477	22	22	)	)	PUNCT
fsr-3477	22	23	accrue	accrue	VERB
fsr-3477	22	24	low	low	ADJ
fsr-3477	22	25	(	(	PUNCT
fsr-3477	22	26	if	if	SCONJ
fsr-3477	22	27	any	any	PRON
fsr-3477	22	28	)	)	PUNCT
fsr-3477	22	29	after	after	ADP
fsr-3477	22	30	-	-	PUNCT
fsr-3477	22	31	tax	tax	NOUN
fsr-3477	22	32	interest	interest	NOUN
fsr-3477	22	33	.	.	PUNCT
fsr-3477	23	1	based	base	VERB
fsr-3477	23	2	on	on	ADP
fsr-3477	23	3	the	the	DET
fsr-3477	23	4	interest	interest	NOUN
fsr-3477	23	5	rates	rate	NOUN
fsr-3477	23	6	,	,	PUNCT
fsr-3477	23	7	it	it	PRON
fsr-3477	23	8	is	be	AUX
fsr-3477	23	9	inefficient	inefficient	ADJ
fsr-3477	23	10	for	for	ADP
fsr-3477	23	11	a	a	DET
fsr-3477	23	12	household	household	NOUN
fsr-3477	23	13	to	to	PART
fsr-3477	23	14	maintain	maintain	VERB
fsr-3477	23	15	a	a	DET
fsr-3477	23	16	revolving	revolve	VERB
fsr-3477	23	17	balance	balance	NOUN
fsr-3477	23	18	.	.	PUNCT
fsr-3477	24	1	previous	previous	ADJ
fsr-3477	24	2	studies	study	NOUN
fsr-3477	24	3	that	that	PRON
fsr-3477	24	4	have	have	AUX
fsr-3477	24	5	investigated	investigate	VERB
fsr-3477	24	6	this	this	DET
fsr-3477	24	7	irrational	irrational	ADJ
fsr-3477	24	8	behavior	behavior	NOUN
fsr-3477	24	9	call	call	VERB
fsr-3477	24	10	this	this	PRON
fsr-3477	24	11	the	the	DET
fsr-3477	24	12	credit	credit	NOUN
fsr-3477	24	13	card	card	NOUN
fsr-3477	24	14	debt	debt	NOUN
fsr-3477	24	15	puzzle	puzzle	NOUN
fsr-3477	24	16	or	or	CCONJ
fsr-3477	24	17	the	the	DET
fsr-3477	24	18	co	co	ADJ
fsr-3477	24	19	-	-	ADJ
fsr-3477	24	20	holding	holding	ADJ
fsr-3477	24	21	puzzle	puzzle	NOUN
fsr-3477	24	22	(	(	PUNCT
fsr-3477	24	23	bertaut	bertaut	NOUN
fsr-3477	24	24	,	,	PUNCT
fsr-3477	24	25	haliassos	haliassos	NOUN
fsr-3477	24	26	,	,	PUNCT
fsr-3477	24	27	&	&	CCONJ
fsr-3477	24	28	reiter	reiter	PROPN
fsr-3477	24	29	,	,	PUNCT
fsr-3477	24	30	2009	2009	NUM
fsr-3477	24	31	;	;	PUNCT
fsr-3477	24	32	gathergood	gathergood	PROPN
fsr-3477	24	33	&	&	CCONJ
fsr-3477	24	34	weber	weber	PROPN
fsr-3477	24	35	,	,	PUNCT
fsr-3477	24	36	2014	2014	NUM
fsr-3477	24	37	;	;	PUNCT
fsr-3477	24	38	haliassos	haliassos	PROPN
fsr-3477	24	39	&	&	CCONJ
fsr-3477	24	40	reiter	reiter	PROPN
fsr-3477	24	41	,	,	PUNCT
fsr-3477	24	42	2005	2005	NUM
fsr-3477	24	43	;	;	PUNCT
fsr-3477	24	44	laibson	laibson	PROPN
fsr-3477	24	45	,	,	PUNCT
fsr-3477	24	46	repetto	repetto	PROPN
fsr-3477	24	47	,	,	PUNCT
fsr-3477	24	48	&	&	CCONJ
fsr-3477	24	49	tobacman	tobacman	NOUN
fsr-3477	24	50	,	,	PUNCT
fsr-3477	24	51	2001	2001	NUM
fsr-3477	24	52	)	)	PUNCT
fsr-3477	24	53	.	.	PUNCT
fsr-3477	25	1	many	many	ADJ
fsr-3477	25	2	studies	study	NOUN
fsr-3477	25	3	research	research	VERB
fsr-3477	25	4	the	the	DET
fsr-3477	25	5	credit	credit	NOUN
fsr-3477	25	6	card	card	NOUN
fsr-3477	25	7	debt	debt	NOUN
fsr-3477	25	8	puzzle	puzzle	NOUN
fsr-3477	25	9	;	;	PUNCT
fsr-3477	25	10	however	however	ADV
fsr-3477	25	11	,	,	PUNCT
fsr-3477	25	12	few	few	ADJ
fsr-3477	25	13	combine	combine	VERB
fsr-3477	25	14	human	human	ADJ
fsr-3477	25	15	capital	capital	NOUN
fsr-3477	25	16	theory	theory	NOUN
fsr-3477	25	17	and	and	CCONJ
fsr-3477	25	18	behavioral	behavioral	ADJ
fsr-3477	25	19	life	life	NOUN
fsr-3477	25	20	cycle	cycle	NOUN
fsr-3477	25	21	theory	theory	NOUN
fsr-3477	25	22	.	.	PUNCT
fsr-3477	26	1	the	the	DET
fsr-3477	26	2	purpose	purpose	NOUN
fsr-3477	26	3	of	of	ADP
fsr-3477	26	4	this	this	DET
fsr-3477	26	5	paper	paper	NOUN
fsr-3477	26	6	is	be	AUX
fsr-3477	26	7	to	to	PART
fsr-3477	26	8	study	study	VERB
fsr-3477	26	9	the	the	DET
fsr-3477	26	10	effect	effect	NOUN
fsr-3477	26	11	of	of	ADP
fsr-3477	26	12	financial	financial	ADJ
fsr-3477	26	13	literacy	literacy	NOUN
fsr-3477	26	14	on	on	ADP
fsr-3477	26	15	credit	credit	NOUN
fsr-3477	26	16	card	card	NOUN
fsr-3477	26	17	debt	debt	NOUN
fsr-3477	26	18	treatment	treatment	NOUN
fsr-3477	26	19	.	.	PUNCT
fsr-3477	27	1	it	it	PRON
fsr-3477	27	2	is	be	AUX
fsr-3477	27	3	hypothesized	hypothesize	VERB
fsr-3477	27	4	that	that	SCONJ
fsr-3477	27	5	households	household	NOUN
fsr-3477	27	6	that	that	PRON
fsr-3477	27	7	have	have	VERB
fsr-3477	27	8	higher	high	ADJ
fsr-3477	27	9	financial	financial	ADJ
fsr-3477	27	10	literacy	literacy	NOUN
fsr-3477	27	11	will	will	AUX
fsr-3477	27	12	be	be	AUX
fsr-3477	27	13	less	less	ADV
fsr-3477	27	14	likely	likely	ADJ
fsr-3477	27	15	to	to	PART
fsr-3477	27	16	display	display	VERB
fsr-3477	27	17	this	this	DET
fsr-3477	27	18	puzzling	puzzle	VERB
fsr-3477	27	19	behavior	behavior	NOUN
fsr-3477	27	20	.	.	PUNCT
fsr-3477	28	1	2	2	X
fsr-3477	28	2	.	.	X
fsr-3477	28	3	literature	literature	PROPN
fsr-3477	28	4	review	review	PROPN
fsr-3477	28	5	literature	literature	NOUN
fsr-3477	28	6	suggests	suggest	VERB
fsr-3477	28	7	a	a	DET
fsr-3477	28	8	planner	planner	NOUN
fsr-3477	28	9	or	or	CCONJ
fsr-3477	28	10	doer	doer	NOUN
fsr-3477	28	11	framework	framework	NOUN
fsr-3477	28	12	is	be	AUX
fsr-3477	28	13	often	often	ADV
fsr-3477	28	14	a	a	DET
fsr-3477	28	15	way	way	NOUN
fsr-3477	28	16	to	to	PART
fsr-3477	28	17	explain	explain	VERB
fsr-3477	28	18	irrational	irrational	ADJ
fsr-3477	28	19	behavior	behavior	NOUN
fsr-3477	28	20	.	.	PUNCT
fsr-3477	29	1	the	the	DET
fsr-3477	29	2	behavioral	behavioral	ADJ
fsr-3477	29	3	life	life	NOUN
fsr-3477	29	4	cycle	cycle	NOUN
fsr-3477	29	5	theory	theory	NOUN
fsr-3477	29	6	puts	put	VERB
fsr-3477	29	7	forward	forward	ADV
fsr-3477	29	8	that	that	SCONJ
fsr-3477	29	9	a	a	DET
fsr-3477	29	10	household	household	NOUN
fsr-3477	29	11	is	be	AUX
fsr-3477	29	12	composed	compose	VERB
fsr-3477	29	13	of	of	ADP
fsr-3477	29	14	two	two	NUM
fsr-3477	29	15	dueling	duel	VERB
fsr-3477	29	16	selves	self	NOUN
fsr-3477	29	17	,	,	PUNCT
fsr-3477	29	18	the	the	DET
fsr-3477	29	19	planner	planner	NOUN
fsr-3477	29	20	and	and	CCONJ
fsr-3477	29	21	the	the	DET
fsr-3477	29	22	doer	doer	NOUN
fsr-3477	29	23	.	.	PUNCT
fsr-3477	30	1	the	the	DET
fsr-3477	30	2	planner	planner	NOUN
fsr-3477	30	3	is	be	AUX
fsr-3477	30	4	the	the	DET
fsr-3477	30	5	forward	forward	ADV
fsr-3477	30	6	-	-	PUNCT
fsr-3477	30	7	thinking	think	VERB
fsr-3477	30	8	,	,	PUNCT
fsr-3477	30	9	rational	rational	ADJ
fsr-3477	30	10	self	self	NOUN
fsr-3477	30	11	while	while	SCONJ
fsr-3477	30	12	the	the	DET
fsr-3477	30	13	doer	doer	NOUN
fsr-3477	30	14	is	be	AUX
fsr-3477	30	15	myopic	myopic	ADJ
fsr-3477	30	16	and	and	CCONJ
fsr-3477	30	17	focused	focus	VERB
fsr-3477	30	18	on	on	ADP
fsr-3477	30	19	current	current	ADJ
fsr-3477	30	20	consumption	consumption	NOUN
fsr-3477	30	21	(	(	PUNCT
fsr-3477	30	22	shefrin	shefrin	NOUN
fsr-3477	30	23	&	&	CCONJ
fsr-3477	30	24	thaler	thaler	PROPN
fsr-3477	30	25	,	,	PUNCT
fsr-3477	30	26	1988	1988	NUM
fsr-3477	30	27	)	)	PUNCT
fsr-3477	30	28	.	.	PUNCT
fsr-3477	31	1	the	the	DET
fsr-3477	31	2	household	household	NOUN
fsr-3477	31	3	makes	make	VERB
fsr-3477	31	4	decisions	decision	NOUN
fsr-3477	31	5	to	to	PART
fsr-3477	31	6	satisfy	satisfy	VERB
fsr-3477	31	7	both	both	CCONJ
fsr-3477	31	8	the	the	DET
fsr-3477	31	9	planner	planner	NOUN
fsr-3477	31	10	and	and	CCONJ
fsr-3477	31	11	doer	doer	NOUN
fsr-3477	31	12	and	and	CCONJ
fsr-3477	31	13	may	may	AUX
fsr-3477	31	14	display	display	VERB
fsr-3477	31	15	conflicting	conflicting	ADJ
fsr-3477	31	16	and	and	CCONJ
fsr-3477	31	17	inefficient	inefficient	ADJ
fsr-3477	31	18	behaviors	behavior	NOUN
fsr-3477	31	19	,	,	PUNCT
fsr-3477	31	20	such	such	ADJ
fsr-3477	31	21	as	as	ADP
fsr-3477	31	22	the	the	DET
fsr-3477	31	23	credit	credit	NOUN
fsr-3477	31	24	card	card	NOUN
fsr-3477	31	25	debt	debt	NOUN
fsr-3477	31	26	puzzle	puzzle	NOUN
fsr-3477	31	27	.	.	PUNCT
fsr-3477	32	1	several	several	ADJ
fsr-3477	32	2	studies	study	NOUN
fsr-3477	32	3	attempted	attempt	VERB
fsr-3477	32	4	to	to	PART
fsr-3477	32	5	explain	explain	VERB
fsr-3477	32	6	the	the	DET
fsr-3477	32	7	credit	credit	NOUN
fsr-3477	32	8	card	card	NOUN
fsr-3477	32	9	debt	debt	NOUN
fsr-3477	32	10	puzzle	puzzle	NOUN
fsr-3477	32	11	,	,	PUNCT
fsr-3477	32	12	or	or	CCONJ
fsr-3477	32	13	solvent	solvent	ADJ
fsr-3477	32	14	revolving	revolving	NOUN
fsr-3477	32	15	credit	credit	NOUN
fsr-3477	32	16	card	card	NOUN
fsr-3477	32	17	use	use	NOUN
fsr-3477	32	18	,	,	PUNCT
fsr-3477	32	19	with	with	ADP
fsr-3477	32	20	several	several	ADJ
fsr-3477	32	21	distinct	distinct	ADJ
fsr-3477	32	22	factors	factor	NOUN
fsr-3477	32	23	such	such	ADJ
fsr-3477	32	24	as	as	ADP
fsr-3477	32	25	financial	financial	ADJ
fsr-3477	32	26	human	human	ADJ
fsr-3477	32	27	capital	capital	NOUN
fsr-3477	32	28	,	,	PUNCT
fsr-3477	32	29	precautionary	precautionary	ADJ
fsr-3477	32	30	savings	saving	NOUN
fsr-3477	32	31	motives	motive	NOUN
fsr-3477	32	32	,	,	PUNCT
fsr-3477	32	33	and	and	CCONJ
fsr-3477	32	34	self	self	NOUN
fsr-3477	32	35	-	-	PUNCT
fsr-3477	32	36	control	control	NOUN
fsr-3477	32	37	.	.	PUNCT
fsr-3477	33	1	gross	gross	ADJ
fsr-3477	33	2	and	and	CCONJ
fsr-3477	33	3	souleles	soulele	NOUN
fsr-3477	33	4	(	(	PUNCT
fsr-3477	33	5	2002	2002	NUM
fsr-3477	33	6	)	)	PUNCT
fsr-3477	33	7	find	find	VERB
fsr-3477	33	8	that	that	SCONJ
fsr-3477	33	9	revolving	revolve	VERB
fsr-3477	33	10	high	high	ADJ
fsr-3477	33	11	credit	credit	NOUN
fsr-3477	33	12	card	card	NOUN
fsr-3477	33	13	balances	balance	NOUN
fsr-3477	33	14	while	while	SCONJ
fsr-3477	33	15	simultaneously	simultaneously	ADV
fsr-3477	33	16	holding	hold	VERB
fsr-3477	33	17	liquid	liquid	ADJ
fsr-3477	33	18	assets	asset	NOUN
fsr-3477	33	19	stem	stem	VERB
fsr-3477	33	20	from	from	ADP
fsr-3477	33	21	behavioral	behavioral	ADJ
fsr-3477	33	22	explanations	explanation	NOUN
fsr-3477	33	23	,	,	PUNCT
fsr-3477	33	24	not	not	PART
fsr-3477	33	25	lack	lack	NOUN
fsr-3477	33	26	of	of	ADP
fsr-3477	33	27	liquidity	liquidity	NOUN
fsr-3477	33	28	.	.	PUNCT
fsr-3477	34	1	2.1	2.1	NUM
fsr-3477	34	2	.	.	PUNCT
fsr-3477	35	1	human	human	ADJ
fsr-3477	35	2	capital	capital	NOUN
fsr-3477	35	3	the	the	DET
fsr-3477	35	4	planner	planner	NOUN
fsr-3477	35	5	/	/	SYM
fsr-3477	35	6	doer	doer	NOUN
fsr-3477	35	7	model	model	NOUN
fsr-3477	35	8	suggests	suggest	VERB
fsr-3477	35	9	the	the	DET
fsr-3477	35	10	planner	planner	NOUN
fsr-3477	35	11	will	will	AUX
fsr-3477	35	12	reduce	reduce	VERB
fsr-3477	35	13	consumption	consumption	NOUN
fsr-3477	35	14	in	in	ADP
fsr-3477	35	15	the	the	DET
fsr-3477	35	16	current	current	ADJ
fsr-3477	35	17	period	period	NOUN
fsr-3477	35	18	by	by	ADP
fsr-3477	35	19	exerting	exert	VERB
fsr-3477	35	20	a	a	DET
fsr-3477	35	21	level	level	NOUN
fsr-3477	35	22	of	of	ADP
fsr-3477	35	23	willpower	willpower	NOUN
fsr-3477	35	24	.	.	PUNCT
fsr-3477	36	1	because	because	SCONJ
fsr-3477	36	2	willpower	willpower	NOUN
fsr-3477	36	3	is	be	AUX
fsr-3477	36	4	costly	costly	ADJ
fsr-3477	36	5	,	,	PUNCT
fsr-3477	36	6	the	the	DET
fsr-3477	36	7	planner	planner	NOUN
fsr-3477	36	8	will	will	AUX
fsr-3477	36	9	resort	resort	VERB
fsr-3477	36	10	to	to	ADP
fsr-3477	36	11	other	other	ADJ
fsr-3477	36	12	techniques	technique	NOUN
fsr-3477	36	13	to	to	PART
fsr-3477	36	14	reduce	reduce	VERB
fsr-3477	36	15	the	the	DET
fsr-3477	36	16	consumption	consumption	NOUN
fsr-3477	36	17	of	of	ADP
fsr-3477	36	18	the	the	DET
fsr-3477	36	19	doer	doer	NOUN
fsr-3477	36	20	.	.	PUNCT
fsr-3477	37	1	some	some	PRON
fsr-3477	37	2	of	of	ADP
fsr-3477	37	3	these	these	DET
fsr-3477	37	4	techniques	technique	NOUN
fsr-3477	37	5	include	include	VERB
fsr-3477	37	6	mental	mental	ADJ
fsr-3477	37	7	accounting	accounting	NOUN
fsr-3477	37	8	and	and	CCONJ
fsr-3477	37	9	rule	rule	NOUN
fsr-3477	37	10	-	-	PUNCT
fsr-3477	37	11	setting	set	VERB
fsr-3477	37	12	(	(	PUNCT
fsr-3477	37	13	shefrin	shefrin	NOUN
fsr-3477	37	14	&	&	CCONJ
fsr-3477	37	15	thaler	thaler	PROPN
fsr-3477	37	16	,	,	PUNCT
fsr-3477	37	17	1988	1988	NUM
fsr-3477	37	18	)	)	PUNCT
fsr-3477	37	19	.	.	PUNCT
fsr-3477	38	1	in	in	ADP
fsr-3477	38	2	the	the	DET
fsr-3477	38	3	planner	planner	NOUN
fsr-3477	38	4	/	/	SYM
fsr-3477	38	5	doer	doer	NOUN
fsr-3477	38	6	model	model	NOUN
fsr-3477	38	7	,	,	PUNCT
fsr-3477	38	8	the	the	DET
fsr-3477	38	9	level	level	NOUN
fsr-3477	38	10	of	of	ADP
fsr-3477	38	11	human	human	ADJ
fsr-3477	38	12	capital	capital	NOUN
fsr-3477	38	13	can	can	AUX
fsr-3477	38	14	impact	impact	VERB
fsr-3477	38	15	financial	financial	ADJ
fsr-3477	38	16	decisions	decision	NOUN
fsr-3477	38	17	.	.	PUNCT
fsr-3477	39	1	becker	becker	PROPN
fsr-3477	39	2	(	(	PUNCT
fsr-3477	39	3	1964	1964	NUM
fsr-3477	39	4	)	)	PUNCT
fsr-3477	39	5	describes	describe	VERB
fsr-3477	39	6	human	human	ADJ
fsr-3477	39	7	capital	capital	NOUN
fsr-3477	39	8	as	as	ADP
fsr-3477	39	9	an	an	DET
fsr-3477	39	10	individual	individual	NOUN
fsr-3477	39	11	’s	’s	PART
fsr-3477	39	12	stock	stock	NOUN
fsr-3477	39	13	of	of	ADP
fsr-3477	39	14	knowledge	knowledge	NOUN
fsr-3477	39	15	,	,	PUNCT
fsr-3477	39	16	health	health	NOUN
fsr-3477	39	17	,	,	PUNCT
fsr-3477	39	18	skills	skill	NOUN
fsr-3477	39	19	,	,	PUNCT
fsr-3477	39	20	or	or	CCONJ
fsr-3477	39	21	values	value	NOUN
fsr-3477	39	22	.	.	PUNCT
fsr-3477	40	1	it	it	PRON
fsr-3477	40	2	is	be	AUX
fsr-3477	40	3	a	a	DET
fsr-3477	40	4	function	function	NOUN
fsr-3477	40	5	of	of	ADP
fsr-3477	40	6	goods	good	NOUN
fsr-3477	40	7	,	,	PUNCT
fsr-3477	40	8	services	service	NOUN
fsr-3477	40	9	,	,	PUNCT
fsr-3477	40	10	time	time	NOUN
fsr-3477	40	11	,	,	PUNCT
fsr-3477	40	12	and	and	CCONJ
fsr-3477	40	13	the	the	DET
fsr-3477	40	14	individual	individual	NOUN
fsr-3477	40	15	’s	’s	PART
fsr-3477	40	16	current	current	ADJ
fsr-3477	40	17	stock	stock	NOUN
fsr-3477	40	18	of	of	ADP
fsr-3477	40	19	human	human	ADJ
fsr-3477	40	20	capital	capital	NOUN
fsr-3477	40	21	.	.	PUNCT
fsr-3477	41	1	human	human	ADJ
fsr-3477	41	2	capital	capital	NOUN
fsr-3477	41	3	is	be	AUX
fsr-3477	41	4	often	often	ADV
fsr-3477	41	5	improved	improve	VERB
fsr-3477	41	6	through	through	ADP
fsr-3477	41	7	learning	learning	NOUN
fsr-3477	41	8	,	,	PUNCT
fsr-3477	41	9	maturity	maturity	NOUN
fsr-3477	41	10	,	,	PUNCT
fsr-3477	41	11	and	and	CCONJ
fsr-3477	41	12	experiences	experience	NOUN
fsr-3477	41	13	.	.	PUNCT
fsr-3477	42	1	in	in	ADP
fsr-3477	42	2	the	the	DET
fsr-3477	42	3	realm	realm	NOUN
fsr-3477	42	4	of	of	ADP
fsr-3477	42	5	finance	finance	NOUN
fsr-3477	42	6	,	,	PUNCT
fsr-3477	42	7	individuals	individual	NOUN
fsr-3477	42	8	can	can	AUX
fsr-3477	42	9	improve	improve	VERB
fsr-3477	42	10	their	their	PRON
fsr-3477	42	11	human	human	ADJ
fsr-3477	42	12	capital	capital	NOUN
fsr-3477	42	13	by	by	ADP
fsr-3477	42	14	taking	take	VERB
fsr-3477	42	15	financial	financial	ADJ
fsr-3477	42	16	courses	course	NOUN
fsr-3477	42	17	to	to	PART
fsr-3477	42	18	improve	improve	VERB
fsr-3477	42	19	their	their	PRON
fsr-3477	42	20	ability	ability	NOUN
fsr-3477	42	21	to	to	PART
fsr-3477	42	22	understand	understand	VERB
fsr-3477	42	23	and	and	CCONJ
fsr-3477	42	24	108	108	NUM
fsr-3477	42	25	l.	l.	PROPN
fsr-3477	42	26	c.	c.	PROPN
fsr-3477	42	27	ricaldi	ricaldi	PROPN
fsr-3477	42	28	et	et	PROPN
fsr-3477	42	29	al	al	PROPN
fsr-3477	42	30	.	.	PUNCT
fsr-3477	42	31	/	/	SYM
fsr-3477	42	32	financial	financial	ADJ
fsr-3477	42	33	services	service	NOUN
fsr-3477	42	34	review	review	VERB
fsr-3477	42	35	30	30	NUM
fsr-3477	42	36	(	(	PUNCT
fsr-3477	42	37	2022	2022	NUM
fsr-3477	42	38	)	)	PUNCT
fsr-3477	42	39	107–124	107–124	NUM
fsr-3477	42	40	make	make	VERB
fsr-3477	42	41	effective	effective	ADJ
fsr-3477	42	42	financial	financial	ADJ
fsr-3477	42	43	decisions	decision	NOUN
fsr-3477	42	44	.	.	PUNCT
fsr-3477	43	1	individuals	individual	NOUN
fsr-3477	43	2	can	can	AUX
fsr-3477	43	3	also	also	ADV
fsr-3477	43	4	improve	improve	VERB
fsr-3477	43	5	their	their	PRON
fsr-3477	43	6	financial	financial	ADJ
fsr-3477	43	7	human	human	ADJ
fsr-3477	43	8	capital	capital	NOUN
fsr-3477	43	9	through	through	ADP
fsr-3477	43	10	experiences	experience	NOUN
fsr-3477	43	11	like	like	ADP
fsr-3477	43	12	using	use	VERB
fsr-3477	43	13	credit	credit	NOUN
fsr-3477	43	14	cards	card	NOUN
fsr-3477	43	15	or	or	CCONJ
fsr-3477	43	16	taking	take	VERB
fsr-3477	43	17	out	out	ADP
fsr-3477	43	18	a	a	DET
fsr-3477	43	19	home	home	NOUN
fsr-3477	43	20	mortgage	mortgage	NOUN
fsr-3477	43	21	.	.	PUNCT
fsr-3477	44	1	households	household	NOUN
fsr-3477	44	2	with	with	ADP
fsr-3477	44	3	an	an	DET
fsr-3477	44	4	elevated	elevated	ADJ
fsr-3477	44	5	level	level	NOUN
fsr-3477	44	6	of	of	ADP
fsr-3477	44	7	financial	financial	ADJ
fsr-3477	44	8	knowledge	knowledge	NOUN
fsr-3477	44	9	and	and	CCONJ
fsr-3477	44	10	experience	experience	NOUN
fsr-3477	44	11	are	be	AUX
fsr-3477	44	12	considered	consider	VERB
fsr-3477	44	13	financially	financially	ADV
fsr-3477	44	14	literate	literate	ADJ
fsr-3477	44	15	or	or	CCONJ
fsr-3477	44	16	financially	financially	ADV
fsr-3477	44	17	sophisticated	sophisticated	ADJ
fsr-3477	44	18	;	;	PUNCT
fsr-3477	44	19	these	these	DET
fsr-3477	44	20	households	household	NOUN
fsr-3477	44	21	can	can	AUX
fsr-3477	44	22	make	make	VERB
fsr-3477	44	23	more	more	ADV
fsr-3477	44	24	effective	effective	ADJ
fsr-3477	44	25	financial	financial	ADJ
fsr-3477	44	26	decisions	decision	NOUN
fsr-3477	44	27	than	than	ADP
fsr-3477	44	28	households	household	NOUN
fsr-3477	44	29	with	with	ADP
fsr-3477	44	30	a	a	DET
fsr-3477	44	31	lower	low	ADJ
fsr-3477	44	32	level	level	NOUN
fsr-3477	44	33	of	of	ADP
fsr-3477	44	34	financial	financial	ADJ
fsr-3477	44	35	literacy	literacy	NOUN
fsr-3477	44	36	or	or	CCONJ
fsr-3477	44	37	financial	financial	ADJ
fsr-3477	44	38	sophistication	sophistication	NOUN
fsr-3477	44	39	.	.	PUNCT
fsr-3477	45	1	financial	financial	ADJ
fsr-3477	45	2	literacy	literacy	NOUN
fsr-3477	45	3	gives	give	VERB
fsr-3477	45	4	the	the	DET
fsr-3477	45	5	household	household	NOUN
fsr-3477	45	6	the	the	DET
fsr-3477	45	7	potential	potential	NOUN
fsr-3477	45	8	to	to	PART
fsr-3477	45	9	improve	improve	VERB
fsr-3477	45	10	their	their	PRON
fsr-3477	45	11	ability	ability	NOUN
fsr-3477	45	12	to	to	PART
fsr-3477	45	13	make	make	VERB
fsr-3477	45	14	better	well	ADJ
fsr-3477	45	15	financial	financial	ADJ
fsr-3477	45	16	decisions	decision	NOUN
fsr-3477	45	17	.	.	PUNCT
fsr-3477	46	1	the	the	DET
fsr-3477	46	2	households	household	NOUN
fsr-3477	46	3	with	with	ADP
fsr-3477	46	4	a	a	DET
fsr-3477	46	5	higher	high	ADJ
fsr-3477	46	6	level	level	NOUN
fsr-3477	46	7	of	of	ADP
fsr-3477	46	8	financial	financial	ADJ
fsr-3477	46	9	sophistication	sophistication	NOUN
fsr-3477	46	10	tend	tend	VERB
fsr-3477	46	11	to	to	PART
fsr-3477	46	12	be	be	AUX
fsr-3477	46	13	aware	aware	ADJ
fsr-3477	46	14	of	of	ADP
fsr-3477	46	15	the	the	DET
fsr-3477	46	16	consequences	consequence	NOUN
fsr-3477	46	17	of	of	ADP
fsr-3477	46	18	their	their	PRON
fsr-3477	46	19	decisions	decision	NOUN
fsr-3477	46	20	.	.	PUNCT
fsr-3477	47	1	bertaut	bertaut	PROPN
fsr-3477	47	2	et	et	PROPN
fsr-3477	47	3	al	al	PROPN
fsr-3477	47	4	.	.	PROPN
fsr-3477	48	1	(	(	PUNCT
fsr-3477	48	2	2009	2009	NUM
fsr-3477	48	3	)	)	PUNCT
fsr-3477	48	4	suggests	suggest	VERB
fsr-3477	48	5	that	that	SCONJ
fsr-3477	48	6	financially	financially	ADV
fsr-3477	48	7	sophisticated	sophisticated	ADJ
fsr-3477	48	8	households	household	NOUN
fsr-3477	48	9	would	would	AUX
fsr-3477	48	10	be	be	AUX
fsr-3477	48	11	convenience	convenience	NOUN
fsr-3477	48	12	users	user	NOUN
fsr-3477	48	13	of	of	ADP
fsr-3477	48	14	credit	credit	NOUN
fsr-3477	48	15	cards	card	NOUN
fsr-3477	48	16	as	as	ADV
fsr-3477	48	17	well	well	ADV
fsr-3477	48	18	as	as	ADP
fsr-3477	48	19	benefit	benefit	NOUN
fsr-3477	48	20	from	from	ADP
fsr-3477	48	21	floating	float	VERB
fsr-3477	48	22	and	and	CCONJ
fsr-3477	48	23	other	other	ADJ
fsr-3477	48	24	advantages	advantage	NOUN
fsr-3477	48	25	of	of	ADP
fsr-3477	48	26	credit	credit	NOUN
fsr-3477	48	27	cards	card	NOUN
fsr-3477	48	28	.	.	PUNCT
fsr-3477	49	1	although	although	SCONJ
fsr-3477	49	2	,	,	PUNCT
fsr-3477	49	3	some	some	DET
fsr-3477	49	4	financially	financially	ADV
fsr-3477	49	5	sophisticated	sophisticated	ADJ
fsr-3477	49	6	households	household	NOUN
fsr-3477	49	7	display	display	NOUN
fsr-3477	49	8	characteristics	characteristic	NOUN
fsr-3477	49	9	that	that	PRON
fsr-3477	49	10	are	be	AUX
fsr-3477	49	11	not	not	PART
fsr-3477	49	12	sophisticated	sophisticated	ADJ
fsr-3477	49	13	.	.	PUNCT
fsr-3477	50	1	for	for	ADP
fsr-3477	50	2	example	example	NOUN
fsr-3477	50	3	,	,	PUNCT
fsr-3477	50	4	haliassos	haliassos	NOUN
fsr-3477	50	5	and	and	CCONJ
fsr-3477	50	6	reiter	reiter	PROPN
fsr-3477	50	7	(	(	PUNCT
fsr-3477	50	8	2005	2005	NUM
fsr-3477	50	9	)	)	PUNCT
fsr-3477	50	10	find	find	VERB
fsr-3477	50	11	that	that	SCONJ
fsr-3477	50	12	in	in	ADP
fsr-3477	50	13	the	the	DET
fsr-3477	50	14	shopper	shopper	NOUN
fsr-3477	50	15	/	/	SYM
fsr-3477	50	16	accountant	accountant	NOUN
fsr-3477	50	17	model	model	NOUN
fsr-3477	50	18	,	,	PUNCT
fsr-3477	50	19	the	the	DET
fsr-3477	50	20	shopper	shopper	NOUN
fsr-3477	50	21	is	be	AUX
fsr-3477	50	22	not	not	PART
fsr-3477	50	23	fully	fully	ADV
fsr-3477	50	24	financially	financially	ADV
fsr-3477	50	25	sophisticated	sophisticated	ADJ
fsr-3477	50	26	.	.	PUNCT
fsr-3477	51	1	the	the	DET
fsr-3477	51	2	accountant	accountant	NOUN
fsr-3477	51	3	/	/	SYM
fsr-3477	51	4	shopper	shopper	NOUN
fsr-3477	51	5	model	model	NOUN
fsr-3477	51	6	is	be	AUX
fsr-3477	51	7	like	like	ADP
fsr-3477	51	8	the	the	DET
fsr-3477	51	9	planner	planner	NOUN
fsr-3477	51	10	/	/	SYM
fsr-3477	51	11	doer	doer	NOUN
fsr-3477	51	12	model	model	NOUN
fsr-3477	51	13	.	.	PUNCT
fsr-3477	52	1	2.2	2.2	NUM
fsr-3477	52	2	.	.	PUNCT
fsr-3477	52	3	mental	mental	ADJ
fsr-3477	52	4	accounting	accounting	NOUN
fsr-3477	52	5	and	and	CCONJ
fsr-3477	52	6	precautionary	precautionary	ADJ
fsr-3477	52	7	savings	saving	NOUN
fsr-3477	52	8	motives	motive	NOUN
fsr-3477	52	9	to	to	PART
fsr-3477	52	10	control	control	VERB
fsr-3477	52	11	the	the	DET
fsr-3477	52	12	doer	doer	NOUN
fsr-3477	52	13	,	,	PUNCT
fsr-3477	52	14	the	the	DET
fsr-3477	52	15	planner	planner	NOUN
fsr-3477	52	16	creates	create	VERB
fsr-3477	52	17	mental	mental	ADJ
fsr-3477	52	18	accounts	account	NOUN
fsr-3477	52	19	to	to	PART
fsr-3477	52	20	reduce	reduce	VERB
fsr-3477	52	21	the	the	DET
fsr-3477	52	22	temptation	temptation	NOUN
fsr-3477	52	23	to	to	PART
fsr-3477	52	24	spend	spend	VERB
fsr-3477	52	25	from	from	ADP
fsr-3477	52	26	them	they	PRON
fsr-3477	52	27	.	.	PUNCT
fsr-3477	53	1	households	household	NOUN
fsr-3477	53	2	divide	divide	VERB
fsr-3477	53	3	assets	asset	NOUN
fsr-3477	53	4	,	,	PUNCT
fsr-3477	53	5	expenditures	expenditure	NOUN
fsr-3477	53	6	,	,	PUNCT
fsr-3477	53	7	and	and	CCONJ
fsr-3477	53	8	income	income	NOUN
fsr-3477	53	9	into	into	ADP
fsr-3477	53	10	distinct	distinct	ADJ
fsr-3477	53	11	categories	category	NOUN
fsr-3477	53	12	or	or	CCONJ
fsr-3477	53	13	mental	mental	ADJ
fsr-3477	53	14	accounts	account	NOUN
fsr-3477	53	15	.	.	PUNCT
fsr-3477	54	1	an	an	DET
fsr-3477	54	2	economist	economist	NOUN
fsr-3477	54	3	would	would	AUX
fsr-3477	54	4	state	state	VERB
fsr-3477	54	5	that	that	SCONJ
fsr-3477	54	6	these	these	DET
fsr-3477	54	7	accounts	account	NOUN
fsr-3477	54	8	are	be	AUX
fsr-3477	54	9	substitutable	substitutable	ADJ
fsr-3477	54	10	,	,	PUNCT
fsr-3477	54	11	but	but	CCONJ
fsr-3477	54	12	they	they	PRON
fsr-3477	54	13	are	be	AUX
fsr-3477	54	14	not	not	PART
fsr-3477	54	15	(	(	PUNCT
fsr-3477	54	16	thaler	thaler	NOUN
fsr-3477	54	17	,	,	PUNCT
fsr-3477	54	18	1999	1999	NUM
fsr-3477	54	19	)	)	PUNCT
fsr-3477	54	20	.	.	PUNCT
fsr-3477	55	1	the	the	DET
fsr-3477	55	2	household	household	NOUN
fsr-3477	55	3	views	view	VERB
fsr-3477	55	4	the	the	DET
fsr-3477	55	5	mental	mental	ADJ
fsr-3477	55	6	accounts	account	NOUN
fsr-3477	55	7	,	,	PUNCT
fsr-3477	55	8	either	either	CCONJ
fsr-3477	55	9	assets	asset	NOUN
fsr-3477	55	10	or	or	CCONJ
fsr-3477	55	11	expenses	expense	NOUN
fsr-3477	55	12	,	,	PUNCT
fsr-3477	55	13	as	as	SCONJ
fsr-3477	55	14	different	different	ADJ
fsr-3477	55	15	things	thing	NOUN
fsr-3477	55	16	,	,	PUNCT
fsr-3477	55	17	and	and	CCONJ
fsr-3477	55	18	marginal	marginal	ADJ
fsr-3477	55	19	propensity	propensity	NOUN
fsr-3477	55	20	to	to	PART
fsr-3477	55	21	consume	consume	VERB
fsr-3477	55	22	from	from	ADP
fsr-3477	55	23	these	these	DET
fsr-3477	55	24	accounts	account	NOUN
fsr-3477	55	25	are	be	AUX
fsr-3477	55	26	different	different	ADJ
fsr-3477	55	27	.	.	PUNCT
fsr-3477	56	1	for	for	ADP
fsr-3477	56	2	example	example	NOUN
fsr-3477	56	3	,	,	PUNCT
fsr-3477	56	4	households	household	NOUN
fsr-3477	56	5	save	save	VERB
fsr-3477	56	6	money	money	NOUN
fsr-3477	56	7	in	in	ADP
fsr-3477	56	8	an	an	DET
fsr-3477	56	9	emergency	emergency	NOUN
fsr-3477	56	10	fund	fund	NOUN
fsr-3477	56	11	account	account	NOUN
fsr-3477	56	12	to	to	PART
fsr-3477	56	13	prepare	prepare	VERB
fsr-3477	56	14	for	for	ADP
fsr-3477	56	15	an	an	DET
fsr-3477	56	16	uncertain	uncertain	ADJ
fsr-3477	56	17	event	event	NOUN
fsr-3477	56	18	.	.	PUNCT
fsr-3477	57	1	the	the	DET
fsr-3477	57	2	household	household	NOUN
fsr-3477	57	3	uses	use	VERB
fsr-3477	57	4	framing	frame	VERB
fsr-3477	57	5	to	to	PART
fsr-3477	57	6	earmark	earmark	VERB
fsr-3477	57	7	these	these	DET
fsr-3477	57	8	accounts	account	NOUN
fsr-3477	57	9	for	for	ADP
fsr-3477	57	10	difference	difference	NOUN
fsr-3477	57	11	purposes	purpose	NOUN
fsr-3477	57	12	.	.	PUNCT
fsr-3477	58	1	households	household	NOUN
fsr-3477	58	2	that	that	PRON
fsr-3477	58	3	save	save	VERB
fsr-3477	58	4	in	in	ADP
fsr-3477	58	5	liquid	liquid	ADJ
fsr-3477	58	6	accounts	account	NOUN
fsr-3477	58	7	for	for	ADP
fsr-3477	58	8	emergencies	emergency	NOUN
fsr-3477	58	9	or	or	CCONJ
fsr-3477	58	10	unexpected	unexpected	ADJ
fsr-3477	58	11	events	event	NOUN
fsr-3477	58	12	do	do	AUX
fsr-3477	58	13	not	not	PART
fsr-3477	58	14	believe	believe	VERB
fsr-3477	58	15	the	the	DET
fsr-3477	58	16	assets	asset	NOUN
fsr-3477	58	17	are	be	AUX
fsr-3477	58	18	substitutable	substitutable	ADJ
fsr-3477	58	19	for	for	ADP
fsr-3477	58	20	other	other	ADJ
fsr-3477	58	21	assets	asset	NOUN
fsr-3477	58	22	or	or	CCONJ
fsr-3477	58	23	expenses	expense	NOUN
fsr-3477	58	24	.	.	PUNCT
fsr-3477	59	1	when	when	SCONJ
fsr-3477	59	2	households	household	NOUN
fsr-3477	59	3	use	use	VERB
fsr-3477	59	4	mental	mental	ADJ
fsr-3477	59	5	accounting	accounting	NOUN
fsr-3477	59	6	for	for	ADP
fsr-3477	59	7	expenses	expense	NOUN
fsr-3477	59	8	,	,	PUNCT
fsr-3477	59	9	especially	especially	ADV
fsr-3477	59	10	with	with	ADP
fsr-3477	59	11	credit	credit	NOUN
fsr-3477	59	12	cards	card	NOUN
fsr-3477	59	13	,	,	PUNCT
fsr-3477	59	14	they	they	PRON
fsr-3477	59	15	decouple	decouple	VERB
fsr-3477	59	16	the	the	DET
fsr-3477	59	17	payment	payment	NOUN
fsr-3477	59	18	from	from	ADP
fsr-3477	59	19	the	the	DET
fsr-3477	59	20	consumption	consumption	NOUN
fsr-3477	59	21	.	.	PUNCT
fsr-3477	60	1	once	once	SCONJ
fsr-3477	60	2	the	the	DET
fsr-3477	60	3	bill	bill	NOUN
fsr-3477	60	4	is	be	AUX
fsr-3477	60	5	received	receive	VERB
fsr-3477	60	6	,	,	PUNCT
fsr-3477	60	7	the	the	DET
fsr-3477	60	8	purchase	purchase	NOUN
fsr-3477	60	9	is	be	AUX
fsr-3477	60	10	mixed	mix	VERB
fsr-3477	60	11	with	with	ADP
fsr-3477	60	12	other	other	ADJ
fsr-3477	60	13	purchases	purchase	NOUN
fsr-3477	60	14	.	.	PUNCT
fsr-3477	61	1	thaler	thaler	NOUN
fsr-3477	61	2	(	(	PUNCT
fsr-3477	61	3	1999	1999	NUM
fsr-3477	61	4	)	)	PUNCT
fsr-3477	61	5	states	state	VERB
fsr-3477	61	6	that	that	SCONJ
fsr-3477	61	7	it	it	PRON
fsr-3477	61	8	is	be	AUX
fsr-3477	61	9	hard	hard	ADJ
fsr-3477	61	10	for	for	SCONJ
fsr-3477	61	11	the	the	DET
fsr-3477	61	12	consumer	consumer	NOUN
fsr-3477	61	13	to	to	PART
fsr-3477	61	14	attribute	attribute	VERB
fsr-3477	61	15	the	the	DET
fsr-3477	61	16	balance	balance	NOUN
fsr-3477	61	17	to	to	ADP
fsr-3477	61	18	any	any	DET
fsr-3477	61	19	purchase	purchase	NOUN
fsr-3477	61	20	:	:	PUNCT
fsr-3477	61	21	therefore	therefore	ADV
fsr-3477	61	22	,	,	PUNCT
fsr-3477	61	23	the	the	DET
fsr-3477	61	24	consumer	consumer	NOUN
fsr-3477	61	25	carries	carry	VERB
fsr-3477	61	26	a	a	DET
fsr-3477	61	27	balance	balance	NOUN
fsr-3477	61	28	from	from	ADP
fsr-3477	61	29	month	month	NOUN
fsr-3477	61	30	to	to	ADP
fsr-3477	61	31	month	month	NOUN
fsr-3477	61	32	.	.	PUNCT
fsr-3477	62	1	because	because	SCONJ
fsr-3477	62	2	households	household	NOUN
fsr-3477	62	3	have	have	VERB
fsr-3477	62	4	mental	mental	ADJ
fsr-3477	62	5	accounts	account	NOUN
fsr-3477	62	6	,	,	PUNCT
fsr-3477	62	7	they	they	PRON
fsr-3477	62	8	will	will	AUX
fsr-3477	62	9	not	not	PART
fsr-3477	62	10	view	view	VERB
fsr-3477	62	11	accounts	account	NOUN
fsr-3477	62	12	used	use	VERB
fsr-3477	62	13	for	for	ADP
fsr-3477	62	14	savings	saving	NOUN
fsr-3477	62	15	as	as	ADV
fsr-3477	62	16	available	available	ADJ
fsr-3477	62	17	to	to	PART
fsr-3477	62	18	pay	pay	VERB
fsr-3477	62	19	off	off	ADP
fsr-3477	62	20	credit	credit	NOUN
fsr-3477	62	21	card	card	NOUN
fsr-3477	62	22	balances	balance	NOUN
fsr-3477	62	23	since	since	SCONJ
fsr-3477	62	24	these	these	DET
fsr-3477	62	25	accounts	account	NOUN
fsr-3477	62	26	are	be	AUX
fsr-3477	62	27	not	not	PART
fsr-3477	62	28	substitutable	substitutable	ADJ
fsr-3477	62	29	.	.	PUNCT
fsr-3477	63	1	uncertainty	uncertainty	NOUN
fsr-3477	63	2	and	and	CCONJ
fsr-3477	63	3	precautionary	precautionary	ADJ
fsr-3477	63	4	savings	saving	NOUN
fsr-3477	63	5	motives	motive	NOUN
fsr-3477	63	6	play	play	VERB
fsr-3477	63	7	a	a	DET
fsr-3477	63	8	role	role	NOUN
fsr-3477	63	9	in	in	ADP
fsr-3477	63	10	mental	mental	ADJ
fsr-3477	63	11	accounting	accounting	NOUN
fsr-3477	63	12	.	.	PUNCT
fsr-3477	64	1	telyukova	telyukova	PROPN
fsr-3477	64	2	and	and	CCONJ
fsr-3477	64	3	wright	wright	PROPN
fsr-3477	64	4	(	(	PUNCT
fsr-3477	64	5	2008	2008	NUM
fsr-3477	64	6	)	)	PUNCT
fsr-3477	64	7	propose	propose	VERB
fsr-3477	64	8	that	that	SCONJ
fsr-3477	64	9	households	household	NOUN
fsr-3477	64	10	stay	stay	VERB
fsr-3477	64	11	solvent	solvent	ADJ
fsr-3477	64	12	revolvers	revolver	NOUN
fsr-3477	64	13	to	to	PART
fsr-3477	64	14	maintain	maintain	VERB
fsr-3477	64	15	sufficient	sufficient	ADJ
fsr-3477	64	16	liquid	liquid	ADJ
fsr-3477	64	17	assets	asset	NOUN
fsr-3477	64	18	for	for	ADP
fsr-3477	64	19	uncertain	uncertain	ADJ
fsr-3477	64	20	future	future	ADJ
fsr-3477	64	21	events	event	NOUN
fsr-3477	64	22	.	.	PUNCT
fsr-3477	65	1	bi	bi	NOUN
fsr-3477	65	2	and	and	CCONJ
fsr-3477	65	3	hanna	hanna	PROPN
fsr-3477	65	4	(	(	PUNCT
fsr-3477	65	5	2006	2006	NUM
fsr-3477	65	6	)	)	PUNCT
fsr-3477	65	7	,	,	PUNCT
fsr-3477	65	8	druedahl	druedahl	NOUN
fsr-3477	65	9	and	and	CCONJ
fsr-3477	65	10	jørgensen	jørgensen	PROPN
fsr-3477	65	11	(	(	PUNCT
fsr-3477	65	12	2018	2018	NUM
fsr-3477	65	13	)	)	PUNCT
fsr-3477	65	14	,	,	PUNCT
fsr-3477	65	15	and	and	CCONJ
fsr-3477	65	16	gorbachev	gorbachev	PROPN
fsr-3477	65	17	and	and	CCONJ
fsr-3477	65	18	luengo	luengo	PROPN
fsr-3477	65	19	-	-	PUNCT
fsr-3477	65	20	prado	prado	PROPN
fsr-3477	65	21	(	(	PUNCT
fsr-3477	65	22	2019	2019	NUM
fsr-3477	65	23	)	)	PUNCT
fsr-3477	65	24	find	find	VERB
fsr-3477	65	25	that	that	SCONJ
fsr-3477	65	26	households	household	NOUN
fsr-3477	65	27	will	will	AUX
fsr-3477	65	28	display	display	VERB
fsr-3477	65	29	the	the	DET
fsr-3477	65	30	credit	credit	NOUN
fsr-3477	65	31	card	card	NOUN
fsr-3477	65	32	debt	debt	NOUN
fsr-3477	65	33	puzzle	puzzle	NOUN
fsr-3477	65	34	when	when	SCONJ
fsr-3477	65	35	precautionary	precautionary	ADJ
fsr-3477	65	36	savings	saving	NOUN
fsr-3477	65	37	motives	motive	NOUN
fsr-3477	65	38	are	be	AUX
fsr-3477	65	39	present	present	ADJ
fsr-3477	65	40	.	.	PUNCT
fsr-3477	66	1	2.3	2.3	NUM
fsr-3477	66	2	.	.	PUNCT
fsr-3477	66	3	self	self	NOUN
fsr-3477	66	4	-	-	PUNCT
fsr-3477	66	5	control	control	NOUN
fsr-3477	66	6	although	although	SCONJ
fsr-3477	66	7	the	the	DET
fsr-3477	66	8	planner	planner	NOUN
fsr-3477	66	9	creates	create	VERB
fsr-3477	66	10	mental	mental	ADJ
fsr-3477	66	11	accounts	account	NOUN
fsr-3477	66	12	to	to	PART
fsr-3477	66	13	control	control	VERB
fsr-3477	66	14	the	the	DET
fsr-3477	66	15	doer	doer	NOUN
fsr-3477	66	16	,	,	PUNCT
fsr-3477	66	17	the	the	DET
fsr-3477	66	18	individual	individual	NOUN
fsr-3477	66	19	must	must	AUX
fsr-3477	66	20	exhibit	exhibit	VERB
fsr-3477	66	21	self	self	NOUN
fsr-3477	66	22	-	-	PUNCT
fsr-3477	66	23	control	control	NOUN
fsr-3477	66	24	.	.	PUNCT
fsr-3477	67	1	an	an	DET
fsr-3477	67	2	individual	individual	ADJ
fsr-3477	67	3	displays	display	VERB
fsr-3477	67	4	self	self	NOUN
fsr-3477	67	5	-	-	PUNCT
fsr-3477	67	6	control	control	NOUN
fsr-3477	67	7	issues	issue	NOUN
fsr-3477	67	8	by	by	ADP
fsr-3477	67	9	either	either	CCONJ
fsr-3477	67	10	postponing	postpone	VERB
fsr-3477	67	11	action	action	NOUN
fsr-3477	67	12	(	(	PUNCT
fsr-3477	67	13	e.g.	e.g.	ADV
fsr-3477	67	14	,	,	PUNCT
fsr-3477	67	15	procrastination	procrastination	NOUN
fsr-3477	67	16	)	)	PUNCT
fsr-3477	67	17	or	or	CCONJ
fsr-3477	67	18	by	by	ADP
fsr-3477	67	19	consuming	consume	VERB
fsr-3477	67	20	immediately	immediately	ADV
fsr-3477	67	21	(	(	PUNCT
fsr-3477	67	22	e.g.	e.g.	ADV
fsr-3477	67	23	,	,	PUNCT
fsr-3477	67	24	no	no	DET
fsr-3477	67	25	willpower	willpower	NOUN
fsr-3477	67	26	to	to	PART
fsr-3477	67	27	wait	wait	VERB
fsr-3477	67	28	)	)	PUNCT
fsr-3477	67	29	.	.	PUNCT
fsr-3477	68	1	households	household	NOUN
fsr-3477	68	2	that	that	PRON
fsr-3477	68	3	display	display	VERB
fsr-3477	68	4	self	self	NOUN
fsr-3477	68	5	-	-	PUNCT
fsr-3477	68	6	control	control	NOUN
fsr-3477	68	7	issues	issue	NOUN
fsr-3477	68	8	either	either	CCONJ
fsr-3477	68	9	consume	consume	VERB
fsr-3477	68	10	all	all	DET
fsr-3477	68	11	their	their	PRON
fsr-3477	68	12	resources	resource	NOUN
fsr-3477	68	13	without	without	ADP
fsr-3477	68	14	saving	save	VERB
fsr-3477	68	15	l.	l.	PROPN
fsr-3477	68	16	c.	c.	PROPN
fsr-3477	68	17	ricaldi	ricaldi	PROPN
fsr-3477	68	18	et	et	PROPN
fsr-3477	68	19	al	al	PROPN
fsr-3477	68	20	.	.	PUNCT
fsr-3477	68	21	/	/	SYM
fsr-3477	68	22	financial	financial	ADJ
fsr-3477	68	23	services	service	NOUN
fsr-3477	68	24	review	review	VERB
fsr-3477	68	25	30	30	NUM
fsr-3477	68	26	(	(	PUNCT
fsr-3477	68	27	2022	2022	NUM
fsr-3477	68	28	)	)	PUNCT
fsr-3477	69	1	107–124	107–124	NUM
fsr-3477	69	2	109	109	NUM
fsr-3477	69	3	or	or	CCONJ
fsr-3477	69	4	paying	pay	VERB
fsr-3477	69	5	debt	debt	NOUN
fsr-3477	69	6	or	or	CCONJ
fsr-3477	69	7	putting	put	VERB
fsr-3477	69	8	off	off	ADP
fsr-3477	69	9	making	make	VERB
fsr-3477	69	10	critical	critical	ADJ
fsr-3477	69	11	decisions	decision	NOUN
fsr-3477	69	12	.	.	PUNCT
fsr-3477	70	1	one	one	NUM
fsr-3477	70	2	study	study	NOUN
fsr-3477	70	3	shows	show	VERB
fsr-3477	70	4	that	that	SCONJ
fsr-3477	70	5	in	in	ADP
fsr-3477	70	6	an	an	DET
fsr-3477	70	7	accountant	accountant	NOUN
fsr-3477	70	8	/	/	SYM
fsr-3477	70	9	shopper	shopper	NOUN
fsr-3477	70	10	household	household	NOUN
fsr-3477	70	11	,	,	PUNCT
fsr-3477	70	12	the	the	DET
fsr-3477	70	13	accountant	accountant	NOUN
fsr-3477	70	14	would	would	AUX
fsr-3477	70	15	choose	choose	VERB
fsr-3477	70	16	not	not	PART
fsr-3477	70	17	to	to	PART
fsr-3477	70	18	pay	pay	VERB
fsr-3477	70	19	off	off	ADP
fsr-3477	70	20	the	the	DET
fsr-3477	70	21	credit	credit	NOUN
fsr-3477	70	22	card	card	NOUN
fsr-3477	70	23	balance	balance	NOUN
fsr-3477	70	24	to	to	PART
fsr-3477	70	25	impose	impose	VERB
fsr-3477	70	26	control	control	NOUN
fsr-3477	70	27	over	over	ADP
fsr-3477	70	28	the	the	DET
fsr-3477	70	29	shopper	shopper	NOUN
fsr-3477	70	30	(	(	PUNCT
fsr-3477	70	31	bertaut	bertaut	PROPN
fsr-3477	70	32	et	et	PROPN
fsr-3477	70	33	al	al	PROPN
fsr-3477	70	34	.	.	PROPN
fsr-3477	70	35	,	,	PUNCT
fsr-3477	70	36	2009	2009	NUM
fsr-3477	70	37	)	)	PUNCT
fsr-3477	70	38	.	.	PUNCT
fsr-3477	71	1	by	by	ADP
fsr-3477	71	2	reducing	reduce	VERB
fsr-3477	71	3	the	the	DET
fsr-3477	71	4	available	available	ADJ
fsr-3477	71	5	limit	limit	NOUN
fsr-3477	71	6	on	on	ADP
fsr-3477	71	7	the	the	DET
fsr-3477	71	8	credit	credit	NOUN
fsr-3477	71	9	card	card	NOUN
fsr-3477	71	10	,	,	PUNCT
fsr-3477	71	11	the	the	DET
fsr-3477	71	12	shopper	shopper	NOUN
fsr-3477	71	13	is	be	AUX
fsr-3477	71	14	unable	unable	ADJ
fsr-3477	71	15	to	to	PART
fsr-3477	71	16	consume	consume	VERB
fsr-3477	71	17	more	more	ADJ
fsr-3477	71	18	.	.	PUNCT
fsr-3477	72	1	gathergood	gathergood	NOUN
fsr-3477	72	2	and	and	CCONJ
fsr-3477	72	3	weber	weber	PROPN
fsr-3477	72	4	(	(	PUNCT
fsr-3477	72	5	2014	2014	NUM
fsr-3477	72	6	)	)	PUNCT
fsr-3477	72	7	show	show	VERB
fsr-3477	72	8	that	that	SCONJ
fsr-3477	72	9	the	the	DET
fsr-3477	72	10	likelihood	likelihood	NOUN
fsr-3477	72	11	of	of	ADP
fsr-3477	72	12	displaying	display	VERB
fsr-3477	72	13	the	the	DET
fsr-3477	72	14	credit	credit	NOUN
fsr-3477	72	15	card	card	NOUN
fsr-3477	72	16	debt	debt	NOUN
fsr-3477	72	17	puzzle	puzzle	NOUN
fsr-3477	72	18	,	,	PUNCT
fsr-3477	72	19	or	or	CCONJ
fsr-3477	72	20	co	co	NOUN
fsr-3477	72	21	-	-	ADJ
fsr-3477	72	22	holding	holding	ADJ
fsr-3477	72	23	,	,	PUNCT
fsr-3477	72	24	increases	increase	NOUN
fsr-3477	72	25	with	with	ADP
fsr-3477	72	26	self	self	NOUN
fsr-3477	72	27	-	-	PUNCT
fsr-3477	72	28	assessed	assess	VERB
fsr-3477	72	29	impulsiveness	impulsiveness	NOUN
fsr-3477	72	30	.	.	PUNCT
fsr-3477	73	1	other	other	ADJ
fsr-3477	73	2	studies	study	NOUN
fsr-3477	73	3	have	have	AUX
fsr-3477	73	4	identified	identify	VERB
fsr-3477	73	5	other	other	ADJ
fsr-3477	73	6	behavioral	behavioral	ADJ
fsr-3477	73	7	factors	factor	NOUN
fsr-3477	73	8	that	that	PRON
fsr-3477	73	9	affect	affect	VERB
fsr-3477	73	10	solvent	solvent	ADJ
fsr-3477	73	11	revolving	revolving	NOUN
fsr-3477	73	12	credit	credit	NOUN
fsr-3477	73	13	card	card	NOUN
fsr-3477	73	14	use	use	NOUN
fsr-3477	73	15	.	.	PUNCT
fsr-3477	74	1	credit	credit	NOUN
fsr-3477	74	2	attitude	attitude	NOUN
fsr-3477	74	3	and	and	CCONJ
fsr-3477	74	4	bankruptcy	bankruptcy	NOUN
fsr-3477	74	5	history	history	NOUN
fsr-3477	74	6	are	be	AUX
fsr-3477	74	7	often	often	ADV
fsr-3477	74	8	considered	consider	VERB
fsr-3477	74	9	when	when	SCONJ
fsr-3477	74	10	households	household	NOUN
fsr-3477	74	11	exhibit	exhibit	VERB
fsr-3477	74	12	credit	credit	NOUN
fsr-3477	74	13	card	card	NOUN
fsr-3477	74	14	debt	debt	NOUN
fsr-3477	74	15	puzzle	puzzle	NOUN
fsr-3477	74	16	.	.	PUNCT
fsr-3477	75	1	first	first	ADV
fsr-3477	75	2	,	,	PUNCT
fsr-3477	75	3	chien	chien	PROPN
fsr-3477	75	4	and	and	CCONJ
fsr-3477	75	5	devaney	devaney	PROPN
fsr-3477	75	6	(	(	PUNCT
fsr-3477	75	7	2001	2001	NUM
fsr-3477	75	8	)	)	PUNCT
fsr-3477	75	9	find	find	VERB
fsr-3477	75	10	that	that	SCONJ
fsr-3477	75	11	a	a	DET
fsr-3477	75	12	positive	positive	ADJ
fsr-3477	75	13	credit	credit	NOUN
fsr-3477	75	14	attitude	attitude	NOUN
fsr-3477	75	15	was	be	AUX
fsr-3477	75	16	related	relate	VERB
fsr-3477	75	17	to	to	ADP
fsr-3477	75	18	a	a	DET
fsr-3477	75	19	higher	high	ADJ
fsr-3477	75	20	credit	credit	NOUN
fsr-3477	75	21	card	card	NOUN
fsr-3477	75	22	balance	balance	NOUN
fsr-3477	75	23	.	.	PUNCT
fsr-3477	76	1	rutherford	rutherford	PROPN
fsr-3477	76	2	and	and	CCONJ
fsr-3477	76	3	devaney	devaney	PROPN
fsr-3477	76	4	(	(	PUNCT
fsr-3477	76	5	2009	2009	NUM
fsr-3477	76	6	)	)	PUNCT
fsr-3477	76	7	find	find	VERB
fsr-3477	76	8	that	that	SCONJ
fsr-3477	76	9	those	those	DET
fsr-3477	76	10	households	household	NOUN
fsr-3477	76	11	that	that	PRON
fsr-3477	76	12	had	have	VERB
fsr-3477	76	13	a	a	DET
fsr-3477	76	14	positive	positive	ADJ
fsr-3477	76	15	attitude	attitude	NOUN
fsr-3477	76	16	toward	toward	ADP
fsr-3477	76	17	credit	credit	NOUN
fsr-3477	76	18	are	be	AUX
fsr-3477	76	19	less	less	ADV
fsr-3477	76	20	likely	likely	ADJ
fsr-3477	76	21	to	to	PART
fsr-3477	76	22	be	be	AUX
fsr-3477	76	23	convenience	convenience	NOUN
fsr-3477	76	24	users	user	NOUN
fsr-3477	76	25	.	.	PUNCT
fsr-3477	77	1	3	3	X
fsr-3477	77	2	.	.	X
fsr-3477	77	3	theory	theory	NOUN
fsr-3477	77	4	and	and	CCONJ
fsr-3477	77	5	conceptual	conceptual	ADJ
fsr-3477	77	6	framework	framework	NOUN
fsr-3477	77	7	other	other	ADJ
fsr-3477	77	8	studies	study	NOUN
fsr-3477	77	9	evaluate	evaluate	VERB
fsr-3477	77	10	how	how	SCONJ
fsr-3477	77	11	the	the	DET
fsr-3477	77	12	credit	credit	NOUN
fsr-3477	77	13	card	card	NOUN
fsr-3477	77	14	debt	debt	NOUN
fsr-3477	77	15	puzzle	puzzle	NOUN
fsr-3477	77	16	,	,	PUNCT
fsr-3477	77	17	and	and	CCONJ
fsr-3477	77	18	the	the	DET
fsr-3477	77	19	relevant	relevant	ADJ
fsr-3477	77	20	behavioral	behavioral	ADJ
fsr-3477	77	21	factors	factor	NOUN
fsr-3477	77	22	are	be	AUX
fsr-3477	77	23	related	relate	VERB
fsr-3477	77	24	,	,	PUNCT
fsr-3477	77	25	however	however	ADV
fsr-3477	77	26	few	few	ADJ
fsr-3477	77	27	focus	focus	NOUN
fsr-3477	77	28	on	on	ADP
fsr-3477	77	29	the	the	DET
fsr-3477	77	30	intersection	intersection	NOUN
fsr-3477	77	31	of	of	ADP
fsr-3477	77	32	financial	financial	ADJ
fsr-3477	77	33	knowledge	knowledge	NOUN
fsr-3477	77	34	and	and	CCONJ
fsr-3477	77	35	behavior	behavior	NOUN
fsr-3477	77	36	.	.	PUNCT
fsr-3477	78	1	this	this	DET
fsr-3477	78	2	study	study	NOUN
fsr-3477	78	3	uses	use	VERB
fsr-3477	78	4	a	a	DET
fsr-3477	78	5	combination	combination	NOUN
fsr-3477	78	6	of	of	ADP
fsr-3477	78	7	the	the	DET
fsr-3477	78	8	behavioral	behavioral	ADJ
fsr-3477	78	9	life	life	NOUN
fsr-3477	78	10	-	-	PUNCT
fsr-3477	78	11	cycle	cycle	NOUN
fsr-3477	78	12	hypothesis	hypothesis	NOUN
fsr-3477	78	13	and	and	CCONJ
fsr-3477	78	14	human	human	ADJ
fsr-3477	78	15	capital	capital	NOUN
fsr-3477	78	16	theory	theory	NOUN
fsr-3477	78	17	to	to	PART
fsr-3477	78	18	focus	focus	VERB
fsr-3477	78	19	on	on	ADP
fsr-3477	78	20	how	how	SCONJ
fsr-3477	78	21	behavioral	behavioral	ADJ
fsr-3477	78	22	factors	factor	NOUN
fsr-3477	78	23	and	and	CCONJ
fsr-3477	78	24	human	human	ADJ
fsr-3477	78	25	capital	capital	NOUN
fsr-3477	78	26	influence	influence	NOUN
fsr-3477	78	27	the	the	DET
fsr-3477	78	28	likelihood	likelihood	NOUN
fsr-3477	78	29	of	of	ADP
fsr-3477	78	30	being	be	AUX
fsr-3477	78	31	a	a	DET
fsr-3477	78	32	solvent	solvent	ADJ
fsr-3477	78	33	credit	credit	NOUN
fsr-3477	78	34	card	card	NOUN
fsr-3477	78	35	revolver	revolver	NOUN
fsr-3477	78	36	.	.	PUNCT
fsr-3477	79	1	like	like	ADP
fsr-3477	79	2	the	the	DET
fsr-3477	79	3	life	life	NOUN
fsr-3477	79	4	-	-	PUNCT
fsr-3477	79	5	cycle	cycle	NOUN
fsr-3477	79	6	hypothesis	hypothesis	NOUN
fsr-3477	79	7	,	,	PUNCT
fsr-3477	79	8	the	the	DET
fsr-3477	79	9	behavioral	behavioral	ADJ
fsr-3477	79	10	life	life	NOUN
fsr-3477	79	11	-	-	PUNCT
fsr-3477	79	12	cycle	cycle	NOUN
fsr-3477	79	13	hypothesis	hypothesis	NOUN
fsr-3477	79	14	(	(	PUNCT
fsr-3477	79	15	shefrin	shefrin	NOUN
fsr-3477	79	16	&	&	CCONJ
fsr-3477	79	17	thaler	thaler	PROPN
fsr-3477	79	18	,	,	PUNCT
fsr-3477	79	19	1988	1988	NUM
fsr-3477	79	20	)	)	PUNCT
fsr-3477	79	21	puts	put	VERB
fsr-3477	79	22	forward	forward	ADV
fsr-3477	79	23	that	that	SCONJ
fsr-3477	79	24	to	to	PART
fsr-3477	79	25	maximize	maximize	VERB
fsr-3477	79	26	utility	utility	NOUN
fsr-3477	79	27	,	,	PUNCT
fsr-3477	79	28	a	a	DET
fsr-3477	79	29	household	household	NOUN
fsr-3477	79	30	will	will	AUX
fsr-3477	79	31	shift	shift	VERB
fsr-3477	79	32	resources	resource	NOUN
fsr-3477	79	33	in	in	ADP
fsr-3477	79	34	periods	period	NOUN
fsr-3477	79	35	where	where	SCONJ
fsr-3477	79	36	the	the	DET
fsr-3477	79	37	marginal	marginal	ADJ
fsr-3477	79	38	utility	utility	NOUN
fsr-3477	79	39	of	of	ADP
fsr-3477	79	40	consumption	consumption	NOUN
fsr-3477	79	41	is	be	AUX
fsr-3477	79	42	low	low	ADJ
fsr-3477	79	43	to	to	ADP
fsr-3477	79	44	periods	period	NOUN
fsr-3477	79	45	where	where	SCONJ
fsr-3477	79	46	the	the	DET
fsr-3477	79	47	marginal	marginal	ADJ
fsr-3477	79	48	utility	utility	NOUN
fsr-3477	79	49	of	of	ADP
fsr-3477	79	50	consumption	consumption	NOUN
fsr-3477	79	51	is	be	AUX
fsr-3477	79	52	high	high	ADJ
fsr-3477	79	53	.	.	PUNCT
fsr-3477	80	1	a	a	DET
fsr-3477	80	2	good	good	ADJ
fsr-3477	80	3	example	example	NOUN
fsr-3477	80	4	of	of	ADP
fsr-3477	80	5	this	this	PRON
fsr-3477	80	6	is	be	AUX
fsr-3477	80	7	when	when	SCONJ
fsr-3477	80	8	households	household	NOUN
fsr-3477	80	9	save	save	VERB
fsr-3477	80	10	during	during	ADP
fsr-3477	80	11	the	the	DET
fsr-3477	80	12	working	work	VERB
fsr-3477	80	13	years	year	NOUN
fsr-3477	80	14	for	for	ADP
fsr-3477	80	15	consumption	consumption	NOUN
fsr-3477	80	16	during	during	ADP
fsr-3477	80	17	retirement	retirement	NOUN
fsr-3477	80	18	years	year	NOUN
fsr-3477	80	19	.	.	PUNCT
fsr-3477	81	1	unlike	unlike	ADP
fsr-3477	81	2	the	the	DET
fsr-3477	81	3	traditional	traditional	ADJ
fsr-3477	81	4	life	life	NOUN
fsr-3477	81	5	-	-	PUNCT
fsr-3477	81	6	cycle	cycle	NOUN
fsr-3477	81	7	hypothesis	hypothesis	NOUN
fsr-3477	81	8	,	,	PUNCT
fsr-3477	81	9	the	the	DET
fsr-3477	81	10	behavioral	behavioral	ADJ
fsr-3477	81	11	life	life	NOUN
fsr-3477	81	12	-	-	PUNCT
fsr-3477	81	13	cycle	cycle	NOUN
fsr-3477	81	14	hypothesis	hypothesis	NOUN
fsr-3477	81	15	posits	posit	NOUN
fsr-3477	81	16	that	that	PRON
fsr-3477	81	17	households	household	NOUN
fsr-3477	81	18	have	have	VERB
fsr-3477	81	19	a	a	DET
fsr-3477	81	20	dual	dual	ADJ
fsr-3477	81	21	preference	preference	NOUN
fsr-3477	81	22	framework	framework	NOUN
fsr-3477	81	23	where	where	SCONJ
fsr-3477	81	24	they	they	PRON
fsr-3477	81	25	are	be	AUX
fsr-3477	81	26	both	both	DET
fsr-3477	81	27	planners	planner	NOUN
fsr-3477	81	28	(	(	PUNCT
fsr-3477	81	29	long	long	ADJ
fsr-3477	81	30	-	-	PUNCT
fsr-3477	81	31	term	term	NOUN
fsr-3477	81	32	)	)	PUNCT
fsr-3477	81	33	and	and	CCONJ
fsr-3477	81	34	doers	doer	NOUN
fsr-3477	81	35	(	(	PUNCT
fsr-3477	81	36	short	short	ADJ
fsr-3477	81	37	-	-	PUNCT
fsr-3477	81	38	term	term	NOUN
fsr-3477	81	39	)	)	PUNCT
fsr-3477	81	40	.	.	PUNCT
fsr-3477	82	1	the	the	DET
fsr-3477	82	2	planner	planner	NOUN
fsr-3477	82	3	preference	preference	NOUN
fsr-3477	82	4	is	be	AUX
fsr-3477	82	5	when	when	SCONJ
fsr-3477	82	6	households	household	NOUN
fsr-3477	82	7	make	make	VERB
fsr-3477	82	8	rational	rational	ADJ
fsr-3477	82	9	decisions	decision	NOUN
fsr-3477	82	10	regarding	regard	VERB
fsr-3477	82	11	when	when	SCONJ
fsr-3477	82	12	to	to	PART
fsr-3477	82	13	shift	shift	VERB
fsr-3477	82	14	resources	resource	NOUN
fsr-3477	82	15	to	to	PART
fsr-3477	82	16	maximize	maximize	VERB
fsr-3477	82	17	utility	utility	NOUN
fsr-3477	82	18	.	.	PUNCT
fsr-3477	83	1	the	the	DET
fsr-3477	83	2	planner	planner	NOUN
fsr-3477	83	3	focuses	focus	VERB
fsr-3477	83	4	on	on	ADP
fsr-3477	83	5	long	long	ADJ
fsr-3477	83	6	-	-	PUNCT
fsr-3477	83	7	term	term	NOUN
fsr-3477	83	8	decisions	decision	NOUN
fsr-3477	83	9	to	to	PART
fsr-3477	83	10	maximize	maximize	VERB
fsr-3477	83	11	utility	utility	NOUN
fsr-3477	83	12	.	.	PUNCT
fsr-3477	84	1	the	the	DET
fsr-3477	84	2	doer	doer	NOUN
fsr-3477	84	3	preference	preference	NOUN
fsr-3477	84	4	,	,	PUNCT
fsr-3477	84	5	or	or	CCONJ
fsr-3477	84	6	short	short	ADJ
fsr-3477	84	7	-	-	PUNCT
fsr-3477	84	8	term	term	NOUN
fsr-3477	84	9	preference	preference	NOUN
fsr-3477	84	10	,	,	PUNCT
fsr-3477	84	11	is	be	AUX
fsr-3477	84	12	when	when	SCONJ
fsr-3477	84	13	households	household	NOUN
fsr-3477	84	14	succumb	succumb	VERB
fsr-3477	84	15	to	to	ADP
fsr-3477	84	16	temptation	temptation	NOUN
fsr-3477	84	17	to	to	PART
fsr-3477	84	18	consume	consume	VERB
fsr-3477	84	19	in	in	ADP
fsr-3477	84	20	the	the	DET
fsr-3477	84	21	current	current	ADJ
fsr-3477	84	22	period	period	NOUN
fsr-3477	84	23	.	.	PUNCT
fsr-3477	85	1	the	the	DET
fsr-3477	85	2	three	three	NUM
fsr-3477	85	3	behavioral	behavioral	ADJ
fsr-3477	85	4	factors	factor	NOUN
fsr-3477	85	5	,	,	PUNCT
fsr-3477	85	6	self	self	NOUN
fsr-3477	85	7	-	-	PUNCT
fsr-3477	85	8	control	control	NOUN
fsr-3477	85	9	,	,	PUNCT
fsr-3477	85	10	mental	mental	ADJ
fsr-3477	85	11	accounting	accounting	NOUN
fsr-3477	85	12	,	,	PUNCT
fsr-3477	85	13	and	and	CCONJ
fsr-3477	85	14	framing	framing	NOUN
fsr-3477	85	15	are	be	AUX
fsr-3477	85	16	what	what	PRON
fsr-3477	85	17	make	make	VERB
fsr-3477	85	18	the	the	DET
fsr-3477	85	19	behavioral	behavioral	ADJ
fsr-3477	85	20	life	life	NOUN
fsr-3477	85	21	-	-	PUNCT
fsr-3477	85	22	cycle	cycle	NOUN
fsr-3477	85	23	hypothesis	hypothesis	NOUN
fsr-3477	85	24	different	different	ADJ
fsr-3477	85	25	from	from	ADP
fsr-3477	85	26	other	other	ADJ
fsr-3477	85	27	life	life	NOUN
fsr-3477	85	28	-	-	PUNCT
fsr-3477	85	29	cycle	cycle	NOUN
fsr-3477	85	30	models	model	NOUN
fsr-3477	85	31	.	.	PUNCT
fsr-3477	86	1	self	self	NOUN
fsr-3477	86	2	-	-	PUNCT
fsr-3477	86	3	control	control	NOUN
fsr-3477	86	4	refers	refer	VERB
fsr-3477	86	5	to	to	ADP
fsr-3477	86	6	the	the	DET
fsr-3477	86	7	household	household	NOUN
fsr-3477	86	8	’s	’s	PART
fsr-3477	86	9	temptation	temptation	NOUN
fsr-3477	86	10	to	to	PART
fsr-3477	86	11	make	make	VERB
fsr-3477	86	12	immediate	immediate	ADJ
fsr-3477	86	13	consumption	consumption	NOUN
fsr-3477	86	14	decisions	decision	NOUN
fsr-3477	86	15	,	,	PUNCT
fsr-3477	86	16	rather	rather	ADV
fsr-3477	86	17	than	than	ADP
fsr-3477	86	18	saving	save	VERB
fsr-3477	86	19	for	for	ADP
fsr-3477	86	20	future	future	ADJ
fsr-3477	86	21	consumption	consumption	NOUN
fsr-3477	86	22	.	.	PUNCT
fsr-3477	87	1	for	for	ADP
fsr-3477	87	2	the	the	DET
fsr-3477	87	3	doer	doer	NOUN
fsr-3477	87	4	,	,	PUNCT
fsr-3477	87	5	immediate	immediate	ADJ
fsr-3477	87	6	consumption	consumption	NOUN
fsr-3477	87	7	is	be	AUX
fsr-3477	87	8	always	always	ADV
fsr-3477	87	9	a	a	DET
fsr-3477	87	10	tempting	tempting	ADJ
fsr-3477	87	11	alternative	alternative	NOUN
fsr-3477	87	12	to	to	ADP
fsr-3477	87	13	future	future	ADJ
fsr-3477	87	14	consumption	consumption	NOUN
fsr-3477	87	15	.	.	PUNCT
fsr-3477	88	1	there	there	PRON
fsr-3477	88	2	is	be	VERB
fsr-3477	88	3	discomfort	discomfort	NOUN
fsr-3477	88	4	for	for	ADP
fsr-3477	88	5	the	the	DET
fsr-3477	88	6	doer	doer	NOUN
fsr-3477	88	7	associated	associate	VERB
fsr-3477	88	8	with	with	ADP
fsr-3477	88	9	postponing	postpone	VERB
fsr-3477	88	10	current	current	ADJ
fsr-3477	88	11	consumption	consumption	NOUN
fsr-3477	88	12	;	;	PUNCT
fsr-3477	88	13	therefore	therefore	ADV
fsr-3477	88	14	,	,	PUNCT
fsr-3477	88	15	the	the	DET
fsr-3477	88	16	planner	planner	NOUN
fsr-3477	88	17	will	will	AUX
fsr-3477	88	18	enforce	enforce	VERB
fsr-3477	88	19	saving	saving	NOUN
fsr-3477	88	20	devices	device	NOUN
fsr-3477	88	21	and	and	CCONJ
fsr-3477	88	22	rules	rule	NOUN
fsr-3477	88	23	of	of	ADP
fsr-3477	88	24	thumb	thumb	NOUN
fsr-3477	88	25	to	to	PART
fsr-3477	88	26	deal	deal	VERB
fsr-3477	88	27	with	with	ADP
fsr-3477	88	28	self	self	NOUN
fsr-3477	88	29	-	-	PUNCT
fsr-3477	88	30	control	control	NOUN
fsr-3477	88	31	issues	issue	NOUN
fsr-3477	88	32	for	for	ADP
fsr-3477	88	33	various	various	ADJ
fsr-3477	88	34	situations	situation	NOUN
fsr-3477	88	35	.	.	PUNCT
fsr-3477	89	1	these	these	PRON
fsr-3477	89	2	are	be	AUX
fsr-3477	89	3	types	type	NOUN
fsr-3477	89	4	of	of	ADP
fsr-3477	89	5	external	external	ADJ
fsr-3477	89	6	rules	rule	NOUN
fsr-3477	89	7	that	that	PRON
fsr-3477	89	8	households	household	VERB
fsr-3477	89	9	use	use	VERB
fsr-3477	89	10	to	to	PART
fsr-3477	89	11	plan	plan	VERB
fsr-3477	89	12	for	for	ADP
fsr-3477	89	13	future	future	ADJ
fsr-3477	89	14	consumption	consumption	NOUN
fsr-3477	89	15	.	.	PUNCT
fsr-3477	90	1	households	household	NOUN
fsr-3477	90	2	also	also	ADV
fsr-3477	90	3	use	use	VERB
fsr-3477	90	4	internal	internal	ADJ
fsr-3477	90	5	rules	rule	NOUN
fsr-3477	90	6	,	,	PUNCT
fsr-3477	90	7	like	like	ADP
fsr-3477	90	8	refusing	refuse	VERB
fsr-3477	90	9	to	to	PART
fsr-3477	90	10	borrow	borrow	VERB
fsr-3477	90	11	for	for	ADP
fsr-3477	90	12	current	current	ADJ
fsr-3477	90	13	consumption	consumption	NOUN
fsr-3477	90	14	,	,	PUNCT
fsr-3477	90	15	to	to	PART
fsr-3477	90	16	maintain	maintain	VERB
fsr-3477	90	17	self	self	NOUN
fsr-3477	90	18	-	-	PUNCT
fsr-3477	90	19	control	control	NOUN
fsr-3477	90	20	.	.	PUNCT
fsr-3477	91	1	mental	mental	ADJ
fsr-3477	91	2	accounting	accounting	NOUN
fsr-3477	91	3	refers	refer	VERB
fsr-3477	91	4	to	to	ADP
fsr-3477	91	5	placing	place	VERB
fsr-3477	91	6	wealth	wealth	NOUN
fsr-3477	91	7	into	into	ADP
fsr-3477	91	8	different	different	ADJ
fsr-3477	91	9	non	non	ADJ
fsr-3477	91	10	-	-	ADJ
fsr-3477	91	11	substitutable	substitutable	ADJ
fsr-3477	91	12	accounts	account	NOUN
fsr-3477	91	13	.	.	PUNCT
fsr-3477	92	1	the	the	DET
fsr-3477	92	2	typical	typical	ADJ
fsr-3477	92	3	breakdown	breakdown	NOUN
fsr-3477	92	4	of	of	ADP
fsr-3477	92	5	mental	mental	ADJ
fsr-3477	92	6	accounts	account	NOUN
fsr-3477	92	7	is	be	AUX
fsr-3477	92	8	current	current	ADJ
fsr-3477	92	9	income	income	NOUN
fsr-3477	92	10	,	,	PUNCT
fsr-3477	92	11	current	current	ADJ
fsr-3477	92	12	assets	asset	NOUN
fsr-3477	92	13	,	,	PUNCT
fsr-3477	92	14	and	and	CCONJ
fsr-3477	92	15	future	future	ADJ
fsr-3477	92	16	income	income	NOUN
fsr-3477	92	17	(	(	PUNCT
fsr-3477	92	18	shefrin	shefrin	NOUN
fsr-3477	92	19	&	&	CCONJ
fsr-3477	92	20	thaler	thaler	PROPN
fsr-3477	92	21	,	,	PUNCT
fsr-3477	92	22	1988	1988	NUM
fsr-3477	92	23	)	)	PUNCT
fsr-3477	92	24	.	.	PUNCT
fsr-3477	93	1	households	household	NOUN
fsr-3477	93	2	use	use	VERB
fsr-3477	93	3	mental	mental	ADJ
fsr-3477	93	4	accounting	accounting	NOUN
fsr-3477	93	5	to	to	PART
fsr-3477	93	6	restrict	restrict	VERB
fsr-3477	93	7	the	the	DET
fsr-3477	93	8	doer	doer	NOUN
fsr-3477	93	9	from	from	ADP
fsr-3477	93	10	bringing	bring	VERB
fsr-3477	93	11	future	future	ADJ
fsr-3477	93	12	resources	resource	NOUN
fsr-3477	93	13	into	into	ADP
fsr-3477	93	14	the	the	DET
fsr-3477	93	15	current	current	ADJ
fsr-3477	93	16	period	period	NOUN
fsr-3477	93	17	.	.	PUNCT
fsr-3477	94	1	the	the	DET
fsr-3477	94	2	way	way	NOUN
fsr-3477	94	3	a	a	DET
fsr-3477	94	4	household	household	NOUN
fsr-3477	94	5	frames	frame	VERB
fsr-3477	94	6	the	the	DET
fsr-3477	94	7	different	different	ADJ
fsr-3477	94	8	mental	mental	ADJ
fsr-3477	94	9	accounts	account	NOUN
fsr-3477	94	10	determines	determine	VERB
fsr-3477	94	11	the	the	DET
fsr-3477	94	12	temptation	temptation	NOUN
fsr-3477	94	13	to	to	PART
fsr-3477	94	14	spend	spend	VERB
fsr-3477	94	15	from	from	ADP
fsr-3477	94	16	each	each	DET
fsr-3477	94	17	account	account	NOUN
fsr-3477	94	18	.	.	PUNCT
fsr-3477	95	1	each	each	DET
fsr-3477	95	2	account	account	NOUN
fsr-3477	95	3	has	have	VERB
fsr-3477	95	4	a	a	DET
fsr-3477	95	5	different	different	ADJ
fsr-3477	95	6	110	110	NUM
fsr-3477	95	7	l.	l.	PROPN
fsr-3477	95	8	c.	c.	PROPN
fsr-3477	95	9	ricaldi	ricaldi	PROPN
fsr-3477	95	10	et	et	PROPN
fsr-3477	95	11	al	al	PROPN
fsr-3477	95	12	.	.	PUNCT
fsr-3477	95	13	/	/	SYM
fsr-3477	95	14	financial	financial	ADJ
fsr-3477	95	15	services	service	NOUN
fsr-3477	95	16	review	review	VERB
fsr-3477	95	17	30	30	NUM
fsr-3477	95	18	(	(	PUNCT
fsr-3477	95	19	2022	2022	NUM
fsr-3477	95	20	)	)	PUNCT
fsr-3477	96	1	107–124	107–124	NUM
fsr-3477	96	2	level	level	NOUN
fsr-3477	96	3	of	of	ADP
fsr-3477	96	4	temptation	temptation	NOUN
fsr-3477	96	5	associated	associate	VERB
fsr-3477	96	6	with	with	ADP
fsr-3477	96	7	spending	spending	NOUN
fsr-3477	96	8	from	from	ADP
fsr-3477	96	9	it	it	PRON
fsr-3477	96	10	.	.	PUNCT
fsr-3477	97	1	the	the	DET
fsr-3477	97	2	marginal	marginal	ADJ
fsr-3477	97	3	propensity	propensity	NOUN
fsr-3477	97	4	to	to	PART
fsr-3477	97	5	consume	consume	VERB
fsr-3477	97	6	from	from	ADP
fsr-3477	97	7	the	the	DET
fsr-3477	97	8	current	current	ADJ
fsr-3477	97	9	income	income	NOUN
fsr-3477	97	10	account	account	NOUN
fsr-3477	97	11	is	be	AUX
fsr-3477	97	12	much	much	ADV
fsr-3477	97	13	higher	high	ADJ
fsr-3477	97	14	than	than	ADP
fsr-3477	97	15	the	the	DET
fsr-3477	97	16	marginal	marginal	ADJ
fsr-3477	97	17	propensity	propensity	NOUN
fsr-3477	97	18	to	to	PART
fsr-3477	97	19	consume	consume	VERB
fsr-3477	97	20	from	from	ADP
fsr-3477	97	21	the	the	DET
fsr-3477	97	22	future	future	ADJ
fsr-3477	97	23	income	income	NOUN
fsr-3477	97	24	account	account	NOUN
fsr-3477	97	25	.	.	PUNCT
fsr-3477	98	1	temptation	temptation	NOUN
fsr-3477	98	2	plays	play	VERB
fsr-3477	98	3	an	an	DET
fsr-3477	98	4	important	important	ADJ
fsr-3477	98	5	role	role	NOUN
fsr-3477	98	6	in	in	ADP
fsr-3477	98	7	the	the	DET
fsr-3477	98	8	household	household	NOUN
fsr-3477	98	9	’s	’s	PART
fsr-3477	98	10	decision	decision	NOUN
fsr-3477	98	11	to	to	PART
fsr-3477	98	12	spend	spend	VERB
fsr-3477	98	13	or	or	CCONJ
fsr-3477	98	14	save	save	VERB
fsr-3477	98	15	.	.	PUNCT
fsr-3477	99	1	by	by	ADP
fsr-3477	99	2	carrying	carry	VERB
fsr-3477	99	3	a	a	DET
fsr-3477	99	4	credit	credit	NOUN
fsr-3477	99	5	card	card	NOUN
fsr-3477	99	6	balance	balance	NOUN
fsr-3477	99	7	,	,	PUNCT
fsr-3477	99	8	the	the	DET
fsr-3477	99	9	doer	doer	NOUN
fsr-3477	99	10	is	be	AUX
fsr-3477	99	11	bringing	bring	VERB
fsr-3477	99	12	consumption	consumption	NOUN
fsr-3477	99	13	into	into	ADP
fsr-3477	99	14	the	the	DET
fsr-3477	99	15	current	current	ADJ
fsr-3477	99	16	period	period	NOUN
fsr-3477	99	17	.	.	PUNCT
fsr-3477	100	1	the	the	DET
fsr-3477	100	2	households	household	NOUN
fsr-3477	100	3	that	that	PRON
fsr-3477	100	4	are	be	AUX
fsr-3477	100	5	solvent	solvent	ADJ
fsr-3477	100	6	(	(	PUNCT
fsr-3477	100	7	i.e.	i.e.	X
fsr-3477	100	8	,	,	PUNCT
fsr-3477	100	9	households	household	NOUN
fsr-3477	100	10	who	who	PRON
fsr-3477	100	11	have	have	VERB
fsr-3477	100	12	enough	enough	ADJ
fsr-3477	100	13	liquid	liquid	ADJ
fsr-3477	100	14	assets	asset	NOUN
fsr-3477	100	15	to	to	PART
fsr-3477	100	16	pay	pay	VERB
fsr-3477	100	17	off	off	ADP
fsr-3477	100	18	their	their	PRON
fsr-3477	100	19	balance	balance	NOUN
fsr-3477	100	20	but	but	CCONJ
fsr-3477	100	21	do	do	VERB
fsr-3477	100	22	not	not	PART
fsr-3477	100	23	)	)	PUNCT
fsr-3477	100	24	are	be	AUX
fsr-3477	100	25	not	not	PART
fsr-3477	100	26	displaying	display	VERB
fsr-3477	100	27	the	the	DET
fsr-3477	100	28	planner	planner	NOUN
fsr-3477	100	29	behavior	behavior	NOUN
fsr-3477	100	30	but	but	CCONJ
fsr-3477	100	31	are	be	AUX
fsr-3477	100	32	displaying	display	VERB
fsr-3477	100	33	the	the	DET
fsr-3477	100	34	doer	doer	NOUN
fsr-3477	100	35	behavior	behavior	NOUN
fsr-3477	100	36	.	.	PUNCT
fsr-3477	101	1	in	in	ADP
fsr-3477	101	2	contrast	contrast	NOUN
fsr-3477	101	3	,	,	PUNCT
fsr-3477	101	4	convenience	convenience	NOUN
fsr-3477	101	5	users	user	NOUN
fsr-3477	101	6	are	be	AUX
fsr-3477	101	7	keeping	keep	VERB
fsr-3477	101	8	future	future	ADJ
fsr-3477	101	9	resources	resource	NOUN
fsr-3477	101	10	in	in	ADP
fsr-3477	101	11	future	future	ADJ
fsr-3477	101	12	periods	period	NOUN
fsr-3477	101	13	by	by	ADP
fsr-3477	101	14	paying	pay	VERB
fsr-3477	101	15	off	off	ADP
fsr-3477	101	16	the	the	DET
fsr-3477	101	17	balance	balance	NOUN
fsr-3477	101	18	while	while	SCONJ
fsr-3477	101	19	still	still	ADV
fsr-3477	101	20	benefiting	benefit	VERB
fsr-3477	101	21	from	from	ADP
fsr-3477	101	22	the	the	DET
fsr-3477	101	23	advantages	advantage	NOUN
fsr-3477	101	24	of	of	ADP
fsr-3477	101	25	using	use	VERB
fsr-3477	101	26	a	a	DET
fsr-3477	101	27	credit	credit	NOUN
fsr-3477	101	28	card	card	NOUN
fsr-3477	101	29	.	.	PUNCT
fsr-3477	102	1	in	in	ADP
fsr-3477	102	2	addition	addition	NOUN
fsr-3477	102	3	to	to	ADP
fsr-3477	102	4	the	the	DET
fsr-3477	102	5	behavioral	behavioral	ADJ
fsr-3477	102	6	life	life	NOUN
fsr-3477	102	7	-	-	PUNCT
fsr-3477	102	8	cycle	cycle	NOUN
fsr-3477	102	9	hypothesis	hypothesis	NOUN
fsr-3477	102	10	,	,	PUNCT
fsr-3477	102	11	human	human	ADJ
fsr-3477	102	12	capital	capital	NOUN
fsr-3477	102	13	theory	theory	NOUN
fsr-3477	102	14	also	also	ADV
fsr-3477	102	15	plays	play	VERB
fsr-3477	102	16	a	a	DET
fsr-3477	102	17	part	part	NOUN
fsr-3477	102	18	in	in	ADP
fsr-3477	102	19	solvent	solvent	ADJ
fsr-3477	102	20	revolving	revolving	NOUN
fsr-3477	102	21	credit	credit	NOUN
fsr-3477	102	22	card	card	NOUN
fsr-3477	102	23	use	use	NOUN
fsr-3477	102	24	.	.	PUNCT
fsr-3477	103	1	human	human	ADJ
fsr-3477	103	2	capital	capital	NOUN
fsr-3477	103	3	is	be	AUX
fsr-3477	103	4	an	an	DET
fsr-3477	103	5	individual	individual	NOUN
fsr-3477	103	6	’s	’s	PART
fsr-3477	103	7	knowledge	knowledge	NOUN
fsr-3477	103	8	,	,	PUNCT
fsr-3477	103	9	health	health	NOUN
fsr-3477	103	10	,	,	PUNCT
fsr-3477	103	11	skills	skill	NOUN
fsr-3477	103	12	,	,	PUNCT
fsr-3477	103	13	or	or	CCONJ
fsr-3477	103	14	values	value	NOUN
fsr-3477	103	15	and	and	CCONJ
fsr-3477	103	16	is	be	AUX
fsr-3477	103	17	often	often	ADV
fsr-3477	103	18	described	describe	VERB
fsr-3477	103	19	as	as	ADP
fsr-3477	103	20	a	a	DET
fsr-3477	103	21	function	function	NOUN
fsr-3477	103	22	of	of	ADP
fsr-3477	103	23	goods	good	NOUN
fsr-3477	103	24	,	,	PUNCT
fsr-3477	103	25	services	service	NOUN
fsr-3477	103	26	,	,	PUNCT
fsr-3477	103	27	time	time	NOUN
fsr-3477	103	28	,	,	PUNCT
fsr-3477	103	29	and	and	CCONJ
fsr-3477	103	30	the	the	DET
fsr-3477	103	31	individual	individual	NOUN
fsr-3477	103	32	’s	’s	PART
fsr-3477	103	33	current	current	ADJ
fsr-3477	103	34	stock	stock	NOUN
fsr-3477	103	35	of	of	ADP
fsr-3477	103	36	human	human	ADJ
fsr-3477	103	37	capital	capital	NOUN
fsr-3477	103	38	.	.	PUNCT
fsr-3477	104	1	a	a	DET
fsr-3477	104	2	household	household	NOUN
fsr-3477	104	3	’s	’s	PART
fsr-3477	104	4	level	level	NOUN
fsr-3477	104	5	of	of	ADP
fsr-3477	104	6	human	human	ADJ
fsr-3477	104	7	capital	capital	NOUN
fsr-3477	104	8	impacts	impact	VERB
fsr-3477	104	9	its	its	PRON
fsr-3477	104	10	ability	ability	NOUN
fsr-3477	104	11	to	to	PART
fsr-3477	104	12	make	make	VERB
fsr-3477	104	13	efficient	efficient	ADJ
fsr-3477	104	14	financial	financial	ADJ
fsr-3477	104	15	decisions	decision	NOUN
fsr-3477	104	16	.	.	PUNCT
fsr-3477	105	1	households	household	NOUN
fsr-3477	105	2	with	with	ADP
fsr-3477	105	3	a	a	DET
fsr-3477	105	4	higher	high	ADJ
fsr-3477	105	5	level	level	NOUN
fsr-3477	105	6	of	of	ADP
fsr-3477	105	7	financial	financial	ADJ
fsr-3477	105	8	human	human	ADJ
fsr-3477	105	9	capital	capital	NOUN
fsr-3477	105	10	(	(	PUNCT
fsr-3477	105	11	i.e.	i.e.	X
fsr-3477	105	12	,	,	PUNCT
fsr-3477	105	13	financial	financial	ADJ
fsr-3477	105	14	sophistication	sophistication	NOUN
fsr-3477	105	15	)	)	PUNCT
fsr-3477	105	16	have	have	VERB
fsr-3477	105	17	the	the	DET
fsr-3477	105	18	potential	potential	NOUN
fsr-3477	105	19	to	to	PART
fsr-3477	105	20	improve	improve	VERB
fsr-3477	105	21	the	the	DET
fsr-3477	105	22	ability	ability	NOUN
fsr-3477	105	23	to	to	PART
fsr-3477	105	24	make	make	VERB
fsr-3477	105	25	effective	effective	ADJ
fsr-3477	105	26	and	and	CCONJ
fsr-3477	105	27	efficient	efficient	ADJ
fsr-3477	105	28	financial	financial	ADJ
fsr-3477	105	29	decisions	decision	NOUN
fsr-3477	105	30	.	.	PUNCT
fsr-3477	106	1	4	4	X
fsr-3477	106	2	.	.	X
fsr-3477	106	3	hypotheses	hypothesis	NOUN
fsr-3477	106	4	based	base	VERB
fsr-3477	106	5	on	on	ADP
fsr-3477	106	6	the	the	DET
fsr-3477	106	7	theoretical	theoretical	ADJ
fsr-3477	106	8	framework	framework	NOUN
fsr-3477	106	9	,	,	PUNCT
fsr-3477	106	10	the	the	DET
fsr-3477	106	11	concepts	concept	NOUN
fsr-3477	106	12	developed	develop	VERB
fsr-3477	106	13	for	for	ADP
fsr-3477	106	14	this	this	DET
fsr-3477	106	15	paper	paper	NOUN
fsr-3477	106	16	include	include	VERB
fsr-3477	106	17	human	human	ADJ
fsr-3477	106	18	capital	capital	NOUN
fsr-3477	106	19	,	,	PUNCT
fsr-3477	106	20	mental	mental	ADJ
fsr-3477	106	21	accounting	accounting	NOUN
fsr-3477	106	22	/	/	SYM
fsr-3477	106	23	precautionary	precautionary	ADJ
fsr-3477	106	24	savings	saving	NOUN
fsr-3477	106	25	motives	motive	NOUN
fsr-3477	106	26	,	,	PUNCT
fsr-3477	106	27	self	self	NOUN
fsr-3477	106	28	-	-	PUNCT
fsr-3477	106	29	control	control	NOUN
fsr-3477	106	30	factors	factor	NOUN
fsr-3477	106	31	,	,	PUNCT
fsr-3477	106	32	and	and	CCONJ
fsr-3477	106	33	other	other	ADJ
fsr-3477	106	34	lifecycle	lifecycle	NOUN
fsr-3477	106	35	control	control	NOUN
fsr-3477	106	36	factors	factor	NOUN
fsr-3477	106	37	.	.	PUNCT
fsr-3477	107	1	the	the	DET
fsr-3477	107	2	concepts	concept	NOUN
fsr-3477	107	3	serve	serve	VERB
fsr-3477	107	4	as	as	ADP
fsr-3477	107	5	control	control	NOUN
fsr-3477	107	6	factors	factor	NOUN
fsr-3477	107	7	to	to	PART
fsr-3477	107	8	explain	explain	VERB
fsr-3477	107	9	why	why	SCONJ
fsr-3477	107	10	households	household	NOUN
fsr-3477	107	11	display	display	VERB
fsr-3477	107	12	puzzling	puzzle	VERB
fsr-3477	107	13	behavior	behavior	NOUN
fsr-3477	107	14	that	that	PRON
fsr-3477	107	15	is	be	AUX
fsr-3477	107	16	inefficient	inefficient	ADJ
fsr-3477	107	17	.	.	PUNCT
fsr-3477	108	1	the	the	DET
fsr-3477	108	2	hypotheses	hypothesis	NOUN
fsr-3477	108	3	are	be	AUX
fsr-3477	108	4	as	as	SCONJ
fsr-3477	108	5	follows	follow	VERB
fsr-3477	108	6	:	:	PUNCT
fsr-3477	108	7	h01	h01	NOUN
fsr-3477	108	8	:	:	PUNCT
fsr-3477	108	9	higher	high	ADJ
fsr-3477	108	10	levels	level	NOUN
fsr-3477	108	11	of	of	ADP
fsr-3477	108	12	financial	financial	ADJ
fsr-3477	108	13	literacy	literacy	NOUN
fsr-3477	108	14	will	will	AUX
fsr-3477	108	15	reduce	reduce	VERB
fsr-3477	108	16	the	the	DET
fsr-3477	108	17	likelihood	likelihood	NOUN
fsr-3477	108	18	of	of	ADP
fsr-3477	108	19	revolving	revolve	VERB
fsr-3477	108	20	credit	credit	NOUN
fsr-3477	108	21	card	card	NOUN
fsr-3477	108	22	debt	debt	NOUN
fsr-3477	108	23	even	even	ADV
fsr-3477	108	24	when	when	SCONJ
fsr-3477	108	25	financially	financially	ADV
fsr-3477	108	26	solvent	solvent	VERB
fsr-3477	108	27	.	.	PUNCT
fsr-3477	109	1	h02	h02	NOUN
fsr-3477	109	2	:	:	PUNCT
fsr-3477	109	3	mental	mental	ADJ
fsr-3477	109	4	accounting	accounting	NOUN
fsr-3477	109	5	behaviors	behavior	NOUN
fsr-3477	109	6	will	will	AUX
fsr-3477	109	7	increase	increase	VERB
fsr-3477	109	8	the	the	DET
fsr-3477	109	9	likelihood	likelihood	NOUN
fsr-3477	109	10	of	of	ADP
fsr-3477	109	11	revolving	revolve	VERB
fsr-3477	109	12	credit	credit	NOUN
fsr-3477	109	13	card	card	NOUN
fsr-3477	109	14	debt	debt	NOUN
fsr-3477	109	15	even	even	ADV
fsr-3477	109	16	when	when	SCONJ
fsr-3477	109	17	financially	financially	ADV
fsr-3477	109	18	solvent	solvent	VERB
fsr-3477	109	19	.	.	PUNCT
fsr-3477	110	1	h03	h03	NOUN
fsr-3477	110	2	:	:	PUNCT
fsr-3477	110	3	self	self	NOUN
fsr-3477	110	4	-	-	PUNCT
fsr-3477	110	5	control	control	NOUN
fsr-3477	110	6	issues	issue	NOUN
fsr-3477	110	7	will	will	AUX
fsr-3477	110	8	increase	increase	VERB
fsr-3477	110	9	the	the	DET
fsr-3477	110	10	likelihood	likelihood	NOUN
fsr-3477	110	11	of	of	ADP
fsr-3477	110	12	revolving	revolve	VERB
fsr-3477	110	13	credit	credit	NOUN
fsr-3477	110	14	card	card	NOUN
fsr-3477	110	15	debt	debt	NOUN
fsr-3477	110	16	even	even	ADV
fsr-3477	110	17	when	when	SCONJ
fsr-3477	110	18	financially	financially	ADV
fsr-3477	110	19	solvent	solvent	ADJ
fsr-3477	110	20	.	.	PUNCT
fsr-3477	111	1	5	5	X
fsr-3477	111	2	.	.	X
fsr-3477	111	3	method	method	PROPN
fsr-3477	111	4	5.1	5.1	NUM
fsr-3477	111	5	.	.	PUNCT
fsr-3477	112	1	data	datum	NOUN
fsr-3477	112	2	and	and	CCONJ
fsr-3477	112	3	sample	sample	VERB
fsr-3477	112	4	the	the	DET
fsr-3477	112	5	data	datum	NOUN
fsr-3477	112	6	used	use	VERB
fsr-3477	112	7	were	be	AUX
fsr-3477	112	8	from	from	ADP
fsr-3477	112	9	the	the	DET
fsr-3477	112	10	2016	2016	NUM
fsr-3477	112	11	survey	survey	NOUN
fsr-3477	112	12	of	of	ADP
fsr-3477	112	13	consumer	consumer	NOUN
fsr-3477	112	14	finances	finance	NOUN
fsr-3477	112	15	(	(	PUNCT
fsr-3477	112	16	scf	scf	PROPN
fsr-3477	112	17	)	)	PUNCT
fsr-3477	112	18	,	,	PUNCT
fsr-3477	112	19	a	a	DET
fsr-3477	112	20	triennial	triennial	ADJ
fsr-3477	112	21	survey	survey	NOUN
fsr-3477	112	22	,	,	PUNCT
fsr-3477	112	23	which	which	PRON
fsr-3477	112	24	is	be	AUX
fsr-3477	112	25	sponsored	sponsor	VERB
fsr-3477	112	26	by	by	ADP
fsr-3477	112	27	the	the	DET
fsr-3477	112	28	federal	federal	PROPN
fsr-3477	112	29	reserve	reserve	PROPN
fsr-3477	112	30	board	board	PROPN
fsr-3477	112	31	and	and	CCONJ
fsr-3477	112	32	collected	collect	VERB
fsr-3477	112	33	by	by	ADP
fsr-3477	112	34	the	the	DET
fsr-3477	112	35	national	national	ADJ
fsr-3477	112	36	organization	organization	NOUN
fsr-3477	112	37	for	for	ADP
fsr-3477	112	38	research	research	NOUN
fsr-3477	112	39	at	at	ADP
fsr-3477	112	40	the	the	DET
fsr-3477	112	41	university	university	PROPN
fsr-3477	112	42	of	of	ADP
fsr-3477	112	43	chicago	chicago	PROPN
fsr-3477	112	44	(	(	PUNCT
fsr-3477	112	45	board	board	NOUN
fsr-3477	112	46	of	of	ADP
fsr-3477	112	47	governors	governor	NOUN
fsr-3477	112	48	of	of	ADP
fsr-3477	112	49	the	the	DET
fsr-3477	112	50	federal	federal	PROPN
fsr-3477	112	51	reserve	reserve	PROPN
fsr-3477	112	52	system	system	NOUN
fsr-3477	112	53	,	,	PUNCT
fsr-3477	112	54	1998	1998	NUM
fsr-3477	112	55	-	-	SYM
fsr-3477	112	56	2013	2013	NUM
fsr-3477	112	57	)	)	PUNCT
fsr-3477	112	58	.	.	PUNCT
fsr-3477	113	1	the	the	DET
fsr-3477	113	2	scf	scf	PROPN
fsr-3477	113	3	collects	collect	VERB
fsr-3477	113	4	detailed	detailed	ADJ
fsr-3477	113	5	information	information	NOUN
fsr-3477	113	6	on	on	ADP
fsr-3477	113	7	the	the	DET
fsr-3477	113	8	finances	finance	NOUN
fsr-3477	113	9	of	of	ADP
fsr-3477	113	10	u.s	u.s	PROPN
fsr-3477	113	11	.	.	PROPN
fsr-3477	113	12	households	household	NOUN
fsr-3477	113	13	.	.	PUNCT
fsr-3477	114	1	the	the	DET
fsr-3477	114	2	2016	2016	NUM
fsr-3477	114	3	scf	scf	PROPN
fsr-3477	114	4	included	include	VERB
fsr-3477	114	5	6,248	6,248	NUM
fsr-3477	114	6	households	household	NOUN
fsr-3477	114	7	in	in	ADP
fsr-3477	114	8	the	the	DET
fsr-3477	114	9	public	public	ADJ
fsr-3477	114	10	data	datum	NOUN
fsr-3477	114	11	set	set	VERB
fsr-3477	114	12	.	.	PUNCT
fsr-3477	115	1	the	the	DET
fsr-3477	115	2	2016	2016	NUM
fsr-3477	115	3	scf	scf	PROPN
fsr-3477	115	4	contains	contain	VERB
fsr-3477	115	5	five	five	NUM
fsr-3477	115	6	implicates	implicate	NOUN
fsr-3477	115	7	to	to	PART
fsr-3477	115	8	deal	deal	VERB
fsr-3477	115	9	with	with	ADP
fsr-3477	115	10	missing	miss	VERB
fsr-3477	115	11	data	datum	NOUN
fsr-3477	115	12	.	.	PUNCT
fsr-3477	116	1	the	the	DET
fsr-3477	116	2	total	total	ADJ
fsr-3477	116	3	number	number	NOUN
fsr-3477	116	4	of	of	ADP
fsr-3477	116	5	observations	observation	NOUN
fsr-3477	116	6	with	with	ADP
fsr-3477	116	7	all	all	DET
fsr-3477	116	8	l.	l.	PROPN
fsr-3477	116	9	c.	c.	PROPN
fsr-3477	116	10	ricaldi	ricaldi	PROPN
fsr-3477	116	11	et	et	PROPN
fsr-3477	116	12	al	al	PROPN
fsr-3477	116	13	.	.	PUNCT
fsr-3477	116	14	/	/	SYM
fsr-3477	116	15	financial	financial	ADJ
fsr-3477	116	16	services	service	NOUN
fsr-3477	116	17	review	review	VERB
fsr-3477	116	18	30	30	NUM
fsr-3477	116	19	(	(	PUNCT
fsr-3477	116	20	2022	2022	NUM
fsr-3477	116	21	)	)	PUNCT
fsr-3477	116	22	107–124	107–124	NUM
fsr-3477	116	23	111	111	NUM
fsr-3477	116	24	five	five	NUM
fsr-3477	116	25	implicates	implicate	VERB
fsr-3477	116	26	is	be	AUX
fsr-3477	116	27	31,240	31,240	NUM
fsr-3477	116	28	observations	observation	NOUN
fsr-3477	116	29	.	.	PUNCT
fsr-3477	117	1	for	for	ADP
fsr-3477	117	2	this	this	DET
fsr-3477	117	3	study	study	NOUN
fsr-3477	117	4	,	,	PUNCT
fsr-3477	117	5	we	we	PRON
fsr-3477	117	6	only	only	ADV
fsr-3477	117	7	used	use	VERB
fsr-3477	117	8	the	the	DET
fsr-3477	117	9	first	first	ADJ
fsr-3477	117	10	implicate	implicate	NOUN
fsr-3477	117	11	and	and	CCONJ
fsr-3477	117	12	because	because	SCONJ
fsr-3477	117	13	this	this	DET
fsr-3477	117	14	study	study	NOUN
fsr-3477	117	15	only	only	ADV
fsr-3477	117	16	analyzes	analyze	VERB
fsr-3477	117	17	those	those	DET
fsr-3477	117	18	households	household	NOUN
fsr-3477	117	19	that	that	PRON
fsr-3477	117	20	have	have	VERB
fsr-3477	117	21	a	a	DET
fsr-3477	117	22	credit	credit	NOUN
fsr-3477	117	23	card	card	NOUN
fsr-3477	117	24	,	,	PUNCT
fsr-3477	117	25	the	the	DET
fsr-3477	117	26	final	final	ADJ
fsr-3477	117	27	sample	sample	NOUN
fsr-3477	117	28	is	be	AUX
fsr-3477	117	29	limited	limit	VERB
fsr-3477	117	30	to	to	ADP
fsr-3477	117	31	4,725	4,725	NUM
fsr-3477	117	32	observations	observation	NOUN
fsr-3477	117	33	.	.	PUNCT
fsr-3477	118	1	we	we	PRON
fsr-3477	118	2	created	create	VERB
fsr-3477	118	3	an	an	DET
fsr-3477	118	4	additional	additional	ADJ
fsr-3477	118	5	subsample	subsample	NOUN
fsr-3477	118	6	(	(	PUNCT
fsr-3477	118	7	n-2360	n-2360	PROPN
fsr-3477	118	8	)	)	PUNCT
fsr-3477	118	9	by	by	ADP
fsr-3477	118	10	censoring	censor	VERB
fsr-3477	118	11	the	the	DET
fsr-3477	118	12	data	datum	NOUN
fsr-3477	118	13	to	to	ADP
fsr-3477	118	14	only	only	ADV
fsr-3477	118	15	solvent	solvent	ADJ
fsr-3477	118	16	revolvers	revolver	NOUN
fsr-3477	118	17	and	and	CCONJ
fsr-3477	118	18	convenience	convenience	NOUN
fsr-3477	118	19	users	user	NOUN
fsr-3477	118	20	to	to	PART
fsr-3477	118	21	assess	assess	VERB
fsr-3477	118	22	credit	credit	NOUN
fsr-3477	118	23	use	use	NOUN
fsr-3477	118	24	decisions	decision	NOUN
fsr-3477	118	25	among	among	ADP
fsr-3477	118	26	the	the	DET
fsr-3477	118	27	most	most	ADV
fsr-3477	118	28	financially	financially	ADV
fsr-3477	118	29	literate	literate	ADJ
fsr-3477	118	30	respondents	respondent	NOUN
fsr-3477	118	31	(	(	PUNCT
fsr-3477	118	32	answered	answer	VERB
fsr-3477	118	33	all	all	DET
fsr-3477	118	34	financial	financial	ADJ
fsr-3477	118	35	literacy	literacy	NOUN
fsr-3477	118	36	questions	question	NOUN
fsr-3477	118	37	correctly	correctly	ADV
fsr-3477	118	38	)	)	PUNCT
fsr-3477	118	39	.	.	PUNCT
fsr-3477	119	1	5.2	5.2	NUM
fsr-3477	119	2	.	.	PUNCT
fsr-3477	120	1	dependent	dependent	ADJ
fsr-3477	120	2	variables	variable	NOUN
fsr-3477	120	3	the	the	DET
fsr-3477	120	4	dependent	dependent	ADJ
fsr-3477	120	5	variable	variable	NOUN
fsr-3477	120	6	is	be	AUX
fsr-3477	120	7	constructed	construct	VERB
fsr-3477	120	8	by	by	ADP
fsr-3477	120	9	categorizing	categorize	VERB
fsr-3477	120	10	credit	credit	NOUN
fsr-3477	120	11	card	card	NOUN
fsr-3477	120	12	users	user	NOUN
fsr-3477	120	13	into	into	ADP
fsr-3477	120	14	one	one	NUM
fsr-3477	120	15	of	of	ADP
fsr-3477	120	16	three	three	NUM
fsr-3477	120	17	categories	category	NOUN
fsr-3477	120	18	.	.	PUNCT
fsr-3477	121	1	first	first	ADV
fsr-3477	121	2	,	,	PUNCT
fsr-3477	121	3	solvent	solvent	ADJ
fsr-3477	121	4	revolvers	revolver	NOUN
fsr-3477	121	5	are	be	AUX
fsr-3477	121	6	credit	credit	NOUN
fsr-3477	121	7	card	card	NOUN
fsr-3477	121	8	users	user	NOUN
fsr-3477	121	9	have	have	VERB
fsr-3477	121	10	liquid	liquid	ADJ
fsr-3477	121	11	assets	asset	NOUN
fsr-3477	121	12	greater	great	ADJ
fsr-3477	121	13	than	than	ADP
fsr-3477	121	14	or	or	CCONJ
fsr-3477	121	15	equal	equal	ADJ
fsr-3477	121	16	to	to	ADP
fsr-3477	121	17	the	the	DET
fsr-3477	121	18	balance	balance	NOUN
fsr-3477	121	19	still	still	ADV
fsr-3477	121	20	owed	owe	VERB
fsr-3477	121	21	on	on	ADP
fsr-3477	121	22	their	their	PRON
fsr-3477	121	23	main	main	ADJ
fsr-3477	121	24	credit	credit	NOUN
fsr-3477	121	25	card	card	NOUN
fsr-3477	121	26	after	after	SCONJ
fsr-3477	121	27	the	the	DET
fsr-3477	121	28	last	last	ADJ
fsr-3477	121	29	payment	payment	NOUN
fsr-3477	121	30	was	be	AUX
fsr-3477	121	31	made	make	VERB
fsr-3477	121	32	to	to	ADP
fsr-3477	121	33	the	the	DET
fsr-3477	121	34	account	account	NOUN
fsr-3477	121	35	.	.	PUNCT
fsr-3477	122	1	the	the	DET
fsr-3477	122	2	total	total	ADJ
fsr-3477	122	3	liquid	liquid	ADJ
fsr-3477	122	4	assets	asset	NOUN
fsr-3477	122	5	are	be	AUX
fsr-3477	122	6	derived	derive	VERB
fsr-3477	122	7	from	from	ADP
fsr-3477	122	8	the	the	DET
fsr-3477	122	9	federal	federal	PROPN
fsr-3477	122	10	reserve	reserve	PROPN
fsr-3477	122	11	board	board	PROPN
fsr-3477	122	12	definition	definition	NOUN
fsr-3477	122	13	in	in	ADP
fsr-3477	122	14	the	the	DET
fsr-3477	122	15	net	net	ADJ
fsr-3477	122	16	worth	worth	ADJ
fsr-3477	122	17	code	code	PROPN
fsr-3477	122	18	.	.	PUNCT
fsr-3477	123	1	from	from	ADP
fsr-3477	123	2	this	this	DET
fsr-3477	123	3	definition	definition	NOUN
fsr-3477	123	4	,	,	PUNCT
fsr-3477	123	5	liquid	liquid	ADJ
fsr-3477	123	6	assets	asset	NOUN
fsr-3477	123	7	include	include	VERB
fsr-3477	123	8	money	money	NOUN
fsr-3477	123	9	market	market	NOUN
fsr-3477	123	10	accounts	account	NOUN
fsr-3477	123	11	,	,	PUNCT
fsr-3477	123	12	checking	check	VERB
fsr-3477	123	13	accounts	account	NOUN
fsr-3477	123	14	,	,	PUNCT
fsr-3477	123	15	savings	saving	NOUN
fsr-3477	123	16	accounts	account	NOUN
fsr-3477	123	17	,	,	PUNCT
fsr-3477	123	18	call	call	VERB
fsr-3477	123	19	accounts	account	NOUN
fsr-3477	123	20	,	,	PUNCT
fsr-3477	123	21	and	and	CCONJ
fsr-3477	123	22	prepaid	prepaid	ADJ
fsr-3477	123	23	cards	card	NOUN
fsr-3477	123	24	.	.	PUNCT
fsr-3477	124	1	next	next	ADJ
fsr-3477	124	2	,	,	PUNCT
fsr-3477	124	3	insolvent	insolvent	ADJ
fsr-3477	124	4	revolvers	revolver	NOUN
fsr-3477	124	5	are	be	AUX
fsr-3477	124	6	credit	credit	NOUN
fsr-3477	124	7	card	card	NOUN
fsr-3477	124	8	users	user	NOUN
fsr-3477	124	9	have	have	VERB
fsr-3477	124	10	liquid	liquid	ADJ
fsr-3477	124	11	assets	asset	NOUN
fsr-3477	124	12	less	less	ADJ
fsr-3477	124	13	than	than	ADP
fsr-3477	124	14	the	the	DET
fsr-3477	124	15	balance	balance	NOUN
fsr-3477	124	16	still	still	ADV
fsr-3477	124	17	owed	owe	VERB
fsr-3477	124	18	on	on	ADP
fsr-3477	124	19	their	their	PRON
fsr-3477	124	20	main	main	ADJ
fsr-3477	124	21	credit	credit	NOUN
fsr-3477	124	22	card	card	NOUN
fsr-3477	124	23	after	after	SCONJ
fsr-3477	124	24	the	the	DET
fsr-3477	124	25	last	last	ADJ
fsr-3477	124	26	payment	payment	NOUN
fsr-3477	124	27	is	be	AUX
fsr-3477	124	28	made	make	VERB
fsr-3477	124	29	to	to	ADP
fsr-3477	124	30	the	the	DET
fsr-3477	124	31	account	account	NOUN
fsr-3477	124	32	.	.	PUNCT
fsr-3477	125	1	last	last	ADJ
fsr-3477	125	2	,	,	PUNCT
fsr-3477	125	3	convenience	convenience	NOUN
fsr-3477	125	4	credit	credit	NOUN
fsr-3477	125	5	card	card	NOUN
fsr-3477	125	6	users	user	NOUN
fsr-3477	125	7	do	do	AUX
fsr-3477	125	8	not	not	PART
fsr-3477	125	9	have	have	VERB
fsr-3477	125	10	an	an	DET
fsr-3477	125	11	outstanding	outstanding	ADJ
fsr-3477	125	12	balance	balance	NOUN
fsr-3477	125	13	on	on	ADP
fsr-3477	125	14	their	their	PRON
fsr-3477	125	15	main	main	ADJ
fsr-3477	125	16	credit	credit	NOUN
fsr-3477	125	17	card	card	NOUN
fsr-3477	125	18	.	.	PUNCT
fsr-3477	126	1	to	to	PART
fsr-3477	126	2	answer	answer	VERB
fsr-3477	126	3	our	our	PRON
fsr-3477	126	4	research	research	NOUN
fsr-3477	126	5	questions	question	NOUN
fsr-3477	126	6	,	,	PUNCT
fsr-3477	126	7	we	we	PRON
fsr-3477	126	8	create	create	VERB
fsr-3477	126	9	an	an	DET
fsr-3477	126	10	unranked	unranked	ADJ
fsr-3477	126	11	three	three	NUM
fsr-3477	126	12	level	level	NOUN
fsr-3477	126	13	categorical	categorical	ADJ
fsr-3477	126	14	variable	variable	NOUN
fsr-3477	126	15	of	of	ADP
fsr-3477	126	16	credit	credit	NOUN
fsr-3477	126	17	card	card	NOUN
fsr-3477	126	18	user	user	NOUN
fsr-3477	126	19	,	,	PUNCT
fsr-3477	126	20	and	and	CCONJ
fsr-3477	126	21	dichotomous	dichotomous	ADJ
fsr-3477	126	22	variables	variable	NOUN
fsr-3477	126	23	to	to	ADP
fsr-3477	126	24	for	for	ADP
fsr-3477	126	25	each	each	DET
fsr-3477	126	26	credit	credit	NOUN
fsr-3477	126	27	card	card	NOUN
fsr-3477	126	28	user	user	NOUN
fsr-3477	126	29	type	type	NOUN
fsr-3477	126	30	.	.	PUNCT
fsr-3477	127	1	5.3	5.3	NUM
fsr-3477	127	2	.	.	PUNCT
fsr-3477	128	1	independent	independent	ADJ
fsr-3477	128	2	variables	variable	NOUN
fsr-3477	128	3	by	by	ADP
fsr-3477	128	4	concept	concept	NOUN
fsr-3477	128	5	based	base	VERB
fsr-3477	128	6	on	on	ADP
fsr-3477	128	7	the	the	DET
fsr-3477	128	8	behavioral	behavioral	ADJ
fsr-3477	128	9	life	life	NOUN
fsr-3477	128	10	-	-	PUNCT
fsr-3477	128	11	cycle	cycle	NOUN
fsr-3477	128	12	hypothesis	hypothesis	NOUN
fsr-3477	128	13	and	and	CCONJ
fsr-3477	128	14	human	human	ADJ
fsr-3477	128	15	capital	capital	NOUN
fsr-3477	128	16	theory	theory	NOUN
fsr-3477	128	17	,	,	PUNCT
fsr-3477	128	18	four	four	NUM
fsr-3477	128	19	concepts	concept	NOUN
fsr-3477	128	20	were	be	AUX
fsr-3477	128	21	identified	identify	VERB
fsr-3477	128	22	:	:	PUNCT
fsr-3477	128	23	human	human	ADJ
fsr-3477	128	24	capital	capital	NOUN
fsr-3477	128	25	/	/	SYM
fsr-3477	128	26	financial	financial	ADJ
fsr-3477	128	27	literacy	literacy	NOUN
fsr-3477	128	28	,	,	PUNCT
fsr-3477	128	29	mental	mental	ADJ
fsr-3477	128	30	accounting	accounting	NOUN
fsr-3477	128	31	/	/	SYM
fsr-3477	128	32	precautionary	precautionary	ADJ
fsr-3477	128	33	savings	saving	NOUN
fsr-3477	128	34	motives	motive	NOUN
fsr-3477	128	35	,	,	PUNCT
fsr-3477	128	36	self	self	NOUN
fsr-3477	128	37	-	-	PUNCT
fsr-3477	128	38	control	control	NOUN
fsr-3477	128	39	factors	factor	NOUN
fsr-3477	128	40	,	,	PUNCT
fsr-3477	128	41	and	and	CCONJ
fsr-3477	128	42	other	other	ADJ
fsr-3477	128	43	lifecycle	lifecycle	NOUN
fsr-3477	128	44	control	control	NOUN
fsr-3477	128	45	factors	factor	NOUN
fsr-3477	128	46	.	.	PUNCT
fsr-3477	129	1	independent	independent	ADJ
fsr-3477	129	2	variables	variable	NOUN
fsr-3477	129	3	operationalized	operationalize	VERB
fsr-3477	129	4	these	these	DET
fsr-3477	129	5	concepts	concept	NOUN
fsr-3477	129	6	.	.	PUNCT
fsr-3477	130	1	the	the	DET
fsr-3477	130	2	human	human	ADJ
fsr-3477	130	3	capital	capital	NOUN
fsr-3477	130	4	concept	concept	NOUN
fsr-3477	130	5	explains	explain	VERB
fsr-3477	130	6	the	the	DET
fsr-3477	130	7	household	household	NOUN
fsr-3477	130	8	’s	’s	PART
fsr-3477	130	9	potential	potential	NOUN
fsr-3477	130	10	to	to	PART
fsr-3477	130	11	make	make	VERB
fsr-3477	130	12	effective	effective	ADJ
fsr-3477	130	13	decisions	decision	NOUN
fsr-3477	130	14	.	.	PUNCT
fsr-3477	131	1	households	household	NOUN
fsr-3477	131	2	that	that	PRON
fsr-3477	131	3	do	do	AUX
fsr-3477	131	4	not	not	PART
fsr-3477	131	5	have	have	VERB
fsr-3477	131	6	a	a	DET
fsr-3477	131	7	strong	strong	ADJ
fsr-3477	131	8	base	base	NOUN
fsr-3477	131	9	in	in	ADP
fsr-3477	131	10	financial	financial	ADJ
fsr-3477	131	11	human	human	ADJ
fsr-3477	131	12	capital	capital	NOUN
fsr-3477	131	13	(	(	PUNCT
fsr-3477	131	14	i.e.	i.e.	X
fsr-3477	131	15	,	,	PUNCT
fsr-3477	131	16	financially	financially	ADV
fsr-3477	131	17	literate	literate	ADJ
fsr-3477	131	18	)	)	PUNCT
fsr-3477	131	19	tend	tend	VERB
fsr-3477	131	20	to	to	PART
fsr-3477	131	21	make	make	VERB
fsr-3477	131	22	suboptimal	suboptimal	ADJ
fsr-3477	131	23	financial	financial	ADJ
fsr-3477	131	24	decisions	decision	NOUN
fsr-3477	131	25	(	(	PUNCT
fsr-3477	131	26	bertaut	bertaut	PROPN
fsr-3477	131	27	et	et	PROPN
fsr-3477	131	28	al	al	PROPN
fsr-3477	131	29	.	.	PROPN
fsr-3477	131	30	,	,	PUNCT
fsr-3477	131	31	2009	2009	NUM
fsr-3477	131	32	)	)	PUNCT
fsr-3477	131	33	.	.	PUNCT
fsr-3477	132	1	because	because	SCONJ
fsr-3477	132	2	the	the	DET
fsr-3477	132	3	purpose	purpose	NOUN
fsr-3477	132	4	of	of	ADP
fsr-3477	132	5	this	this	DET
fsr-3477	132	6	study	study	NOUN
fsr-3477	132	7	is	be	AUX
fsr-3477	132	8	to	to	PART
fsr-3477	132	9	evaluate	evaluate	VERB
fsr-3477	132	10	the	the	DET
fsr-3477	132	11	impact	impact	NOUN
fsr-3477	132	12	of	of	ADP
fsr-3477	132	13	financial	financial	ADJ
fsr-3477	132	14	literacy	literacy	NOUN
fsr-3477	132	15	on	on	ADP
fsr-3477	132	16	solvent	solvent	ADJ
fsr-3477	132	17	revolvers	revolver	NOUN
fsr-3477	132	18	,	,	PUNCT
fsr-3477	132	19	human	human	ADJ
fsr-3477	132	20	capital	capital	NOUN
fsr-3477	132	21	is	be	AUX
fsr-3477	132	22	the	the	DET
fsr-3477	132	23	focus	focus	NOUN
fsr-3477	132	24	of	of	ADP
fsr-3477	132	25	the	the	DET
fsr-3477	132	26	study	study	NOUN
fsr-3477	132	27	.	.	PUNCT
fsr-3477	133	1	the	the	DET
fsr-3477	133	2	human	human	ADJ
fsr-3477	133	3	capital	capital	NOUN
fsr-3477	133	4	concept	concept	NOUN
fsr-3477	133	5	was	be	AUX
fsr-3477	133	6	measured	measure	VERB
fsr-3477	133	7	by	by	ADP
fsr-3477	133	8	two	two	NUM
fsr-3477	133	9	independent	independent	ADJ
fsr-3477	133	10	variables	variable	NOUN
fsr-3477	133	11	:	:	PUNCT
fsr-3477	133	12	financial	financial	ADJ
fsr-3477	133	13	literacy	literacy	NOUN
fsr-3477	133	14	and	and	CCONJ
fsr-3477	133	15	education	education	NOUN
fsr-3477	133	16	.	.	PUNCT
fsr-3477	134	1	financial	financial	ADJ
fsr-3477	134	2	literacy	literacy	NOUN
fsr-3477	134	3	represents	represent	VERB
fsr-3477	134	4	a	a	DET
fsr-3477	134	5	type	type	NOUN
fsr-3477	134	6	of	of	ADP
fsr-3477	134	7	human	human	ADJ
fsr-3477	134	8	capital	capital	NOUN
fsr-3477	134	9	specific	specific	ADJ
fsr-3477	134	10	to	to	ADP
fsr-3477	134	11	personal	personal	ADJ
fsr-3477	134	12	finance	finance	NOUN
fsr-3477	134	13	while	while	SCONJ
fsr-3477	134	14	education	education	NOUN
fsr-3477	134	15	represents	represent	VERB
fsr-3477	134	16	a	a	DET
fsr-3477	134	17	general	general	ADJ
fsr-3477	134	18	type	type	NOUN
fsr-3477	134	19	of	of	ADP
fsr-3477	134	20	human	human	ADJ
fsr-3477	134	21	capital	capital	NOUN
fsr-3477	134	22	.	.	PUNCT
fsr-3477	135	1	the	the	DET
fsr-3477	135	2	variables	variable	NOUN
fsr-3477	135	3	that	that	PRON
fsr-3477	135	4	make	make	VERB
fsr-3477	135	5	up	up	ADP
fsr-3477	135	6	this	this	DET
fsr-3477	135	7	concept	concept	NOUN
fsr-3477	135	8	moderate	moderate	VERB
fsr-3477	135	9	the	the	DET
fsr-3477	135	10	financial	financial	ADJ
fsr-3477	135	11	decisions	decision	NOUN
fsr-3477	135	12	made	make	VERB
fsr-3477	135	13	by	by	ADP
fsr-3477	135	14	the	the	DET
fsr-3477	135	15	households	household	NOUN
fsr-3477	135	16	to	to	PART
fsr-3477	135	17	not	not	PART
fsr-3477	135	18	pay	pay	VERB
fsr-3477	135	19	off	off	ADP
fsr-3477	135	20	their	their	PRON
fsr-3477	135	21	credit	credit	NOUN
fsr-3477	135	22	card	card	NOUN
fsr-3477	135	23	balance	balance	NOUN
fsr-3477	135	24	even	even	ADV
fsr-3477	135	25	when	when	SCONJ
fsr-3477	135	26	the	the	DET
fsr-3477	135	27	household	household	NOUN
fsr-3477	135	28	has	have	VERB
fsr-3477	135	29	the	the	DET
fsr-3477	135	30	financial	financial	ADJ
fsr-3477	135	31	liquidity	liquidity	NOUN
fsr-3477	135	32	to	to	PART
fsr-3477	135	33	do	do	VERB
fsr-3477	135	34	so	so	ADV
fsr-3477	135	35	.	.	PUNCT
fsr-3477	136	1	our	our	PRON
fsr-3477	136	2	primary	primary	ADJ
fsr-3477	136	3	independent	independent	ADJ
fsr-3477	136	4	variable	variable	NOUN
fsr-3477	136	5	is	be	AUX
fsr-3477	136	6	this	this	DET
fsr-3477	136	7	concept	concept	NOUN
fsr-3477	136	8	is	be	AUX
fsr-3477	136	9	financial	financial	ADJ
fsr-3477	136	10	literacy	literacy	NOUN
fsr-3477	136	11	.	.	PUNCT
fsr-3477	137	1	respondents	respondent	NOUN
fsr-3477	137	2	who	who	PRON
fsr-3477	137	3	participated	participate	VERB
fsr-3477	137	4	in	in	ADP
fsr-3477	137	5	the	the	DET
fsr-3477	137	6	2016	2016	NUM
fsr-3477	137	7	scf	scf	PROPN
fsr-3477	137	8	were	be	AUX
fsr-3477	137	9	asked	ask	VERB
fsr-3477	137	10	three	three	NUM
fsr-3477	137	11	financial	financial	ADJ
fsr-3477	137	12	literacy	literacy	NOUN
fsr-3477	137	13	questions	question	NOUN
fsr-3477	137	14	.	.	PUNCT
fsr-3477	138	1	the	the	DET
fsr-3477	138	2	questions	question	NOUN
fsr-3477	138	3	stated	state	VERB
fsr-3477	138	4	in	in	ADP
fsr-3477	138	5	the	the	DET
fsr-3477	138	6	survey	survey	NOUN
fsr-3477	138	7	include	include	VERB
fsr-3477	138	8	:	:	PUNCT
fsr-3477	138	9	1	1	X
fsr-3477	138	10	.	.	X
fsr-3477	138	11	suppose	suppose	VERB
fsr-3477	138	12	you	you	PRON
fsr-3477	138	13	had	have	VERB
fsr-3477	138	14	$	$	SYM
fsr-3477	138	15	100	100	NUM
fsr-3477	138	16	in	in	ADP
fsr-3477	138	17	a	a	DET
fsr-3477	138	18	savings	saving	NOUN
fsr-3477	138	19	account	account	NOUN
fsr-3477	138	20	and	and	CCONJ
fsr-3477	138	21	the	the	DET
fsr-3477	138	22	interest	interest	NOUN
fsr-3477	138	23	rate	rate	NOUN
fsr-3477	138	24	was	be	AUX
fsr-3477	138	25	2	2	NUM
fsr-3477	138	26	%	%	NOUN
fsr-3477	138	27	per	per	ADP
fsr-3477	138	28	year	year	NOUN
fsr-3477	138	29	.	.	PUNCT
fsr-3477	139	1	after	after	ADP
fsr-3477	139	2	5	5	NUM
fsr-3477	139	3	years	year	NOUN
fsr-3477	139	4	,	,	PUNCT
fsr-3477	139	5	how	how	SCONJ
fsr-3477	139	6	much	much	ADJ
fsr-3477	139	7	do	do	AUX
fsr-3477	139	8	you	you	PRON
fsr-3477	139	9	think	think	VERB
fsr-3477	139	10	you	you	PRON
fsr-3477	139	11	would	would	AUX
fsr-3477	139	12	have	have	VERB
fsr-3477	139	13	in	in	ADP
fsr-3477	139	14	the	the	DET
fsr-3477	139	15	account	account	NOUN
fsr-3477	139	16	if	if	SCONJ
fsr-3477	139	17	you	you	PRON
fsr-3477	139	18	left	leave	VERB
fsr-3477	139	19	the	the	DET
fsr-3477	139	20	money	money	NOUN
fsr-3477	139	21	to	to	PART
fsr-3477	139	22	grow	grow	VERB
fsr-3477	139	23	?	?	PUNCT
fsr-3477	140	1	2	2	X
fsr-3477	140	2	.	.	X
fsr-3477	140	3	imagine	imagine	VERB
fsr-3477	140	4	that	that	SCONJ
fsr-3477	140	5	the	the	DET
fsr-3477	140	6	interest	interest	NOUN
fsr-3477	140	7	rate	rate	NOUN
fsr-3477	140	8	on	on	ADP
fsr-3477	140	9	your	your	PRON
fsr-3477	140	10	savings	saving	NOUN
fsr-3477	140	11	account	account	NOUN
fsr-3477	140	12	was	be	AUX
fsr-3477	140	13	1	1	NUM
fsr-3477	140	14	%	%	NOUN
fsr-3477	140	15	per	per	ADP
fsr-3477	140	16	year	year	NOUN
fsr-3477	140	17	and	and	CCONJ
fsr-3477	140	18	inflation	inflation	NOUN
fsr-3477	140	19	was	be	AUX
fsr-3477	140	20	2	2	NUM
fsr-3477	140	21	%	%	NOUN
fsr-3477	140	22	per	per	ADP
fsr-3477	140	23	year	year	NOUN
fsr-3477	140	24	.	.	PUNCT
fsr-3477	141	1	after	after	ADP
fsr-3477	141	2	1	1	NUM
fsr-3477	141	3	year	year	NOUN
fsr-3477	141	4	,	,	PUNCT
fsr-3477	141	5	how	how	SCONJ
fsr-3477	141	6	much	much	ADJ
fsr-3477	141	7	would	would	AUX
fsr-3477	141	8	you	you	PRON
fsr-3477	141	9	be	be	AUX
fsr-3477	141	10	able	able	ADJ
fsr-3477	141	11	to	to	PART
fsr-3477	141	12	buy	buy	VERB
fsr-3477	141	13	with	with	ADP
fsr-3477	141	14	the	the	DET
fsr-3477	141	15	money	money	NOUN
fsr-3477	141	16	in	in	ADP
fsr-3477	141	17	this	this	DET
fsr-3477	141	18	account	account	NOUN
fsr-3477	141	19	?	?	PUNCT
fsr-3477	142	1	112	112	NUM
fsr-3477	142	2	l.	l.	PROPN
fsr-3477	142	3	c.	c.	PROPN
fsr-3477	142	4	ricaldi	ricaldi	PROPN
fsr-3477	142	5	et	et	PROPN
fsr-3477	142	6	al	al	PROPN
fsr-3477	142	7	.	.	PUNCT
fsr-3477	142	8	/	/	SYM
fsr-3477	142	9	financial	financial	ADJ
fsr-3477	142	10	services	service	NOUN
fsr-3477	142	11	review	review	VERB
fsr-3477	142	12	30	30	NUM
fsr-3477	142	13	(	(	PUNCT
fsr-3477	142	14	2022	2022	NUM
fsr-3477	142	15	)	)	PUNCT
fsr-3477	143	1	107–124	107–124	NUM
fsr-3477	143	2	3	3	NUM
fsr-3477	143	3	.	.	PUNCT
fsr-3477	144	1	buying	buy	VERB
fsr-3477	144	2	a	a	DET
fsr-3477	144	3	single	single	ADJ
fsr-3477	144	4	company	company	NOUN
fsr-3477	144	5	’s	’s	PART
fsr-3477	144	6	stock	stock	NOUN
fsr-3477	144	7	usually	usually	ADV
fsr-3477	144	8	provides	provide	VERB
fsr-3477	144	9	a	a	DET
fsr-3477	144	10	safer	safe	ADJ
fsr-3477	144	11	return	return	NOUN
fsr-3477	144	12	than	than	ADP
fsr-3477	144	13	a	a	DET
fsr-3477	144	14	stock	stock	NOUN
fsr-3477	144	15	mutual	mutual	ADJ
fsr-3477	144	16	fund	fund	NOUN
fsr-3477	144	17	.	.	PUNCT
fsr-3477	145	1	in	in	ADP
fsr-3477	145	2	prior	prior	ADJ
fsr-3477	145	3	studies	study	NOUN
fsr-3477	145	4	,	,	PUNCT
fsr-3477	145	5	researchers	researcher	NOUN
fsr-3477	145	6	like	like	ADP
fsr-3477	145	7	lusardi	lusardi	NOUN
fsr-3477	145	8	and	and	CCONJ
fsr-3477	145	9	scheresberg	scheresberg	ADV
fsr-3477	145	10	(	(	PUNCT
fsr-3477	145	11	2013	2013	NUM
fsr-3477	145	12	)	)	PUNCT
fsr-3477	145	13	use	use	VERB
fsr-3477	145	14	these	these	DET
fsr-3477	145	15	same	same	ADJ
fsr-3477	145	16	questions	question	NOUN
fsr-3477	145	17	to	to	PART
fsr-3477	145	18	construct	construct	VERB
fsr-3477	145	19	their	their	PRON
fsr-3477	145	20	proxy	proxy	NOUN
fsr-3477	145	21	for	for	ADP
fsr-3477	145	22	financial	financial	ADJ
fsr-3477	145	23	literacy	literacy	NOUN
fsr-3477	145	24	.	.	PUNCT
fsr-3477	146	1	if	if	SCONJ
fsr-3477	146	2	a	a	DET
fsr-3477	146	3	respondent	respondent	NOUN
fsr-3477	146	4	answered	answer	VERB
fsr-3477	146	5	all	all	DET
fsr-3477	146	6	the	the	DET
fsr-3477	146	7	above	above	ADJ
fsr-3477	146	8	questions	question	NOUN
fsr-3477	146	9	correctly	correctly	ADV
fsr-3477	146	10	,	,	PUNCT
fsr-3477	146	11	they	they	PRON
fsr-3477	146	12	are	be	AUX
fsr-3477	146	13	classified	classify	VERB
fsr-3477	146	14	as	as	ADP
fsr-3477	146	15	financially	financially	ADV
fsr-3477	146	16	literate	literate	ADJ
fsr-3477	146	17	and	and	CCONJ
fsr-3477	146	18	coded	code	VERB
fsr-3477	146	19	1	1	NUM
fsr-3477	146	20	.	.	PUNCT
fsr-3477	147	1	if	if	SCONJ
fsr-3477	147	2	the	the	DET
fsr-3477	147	3	respondent	respondent	NOUN
fsr-3477	147	4	did	do	AUX
fsr-3477	147	5	not	not	PART
fsr-3477	147	6	answer	answer	VERB
fsr-3477	147	7	all	all	DET
fsr-3477	147	8	questions	question	NOUN
fsr-3477	147	9	correctly	correctly	ADV
fsr-3477	147	10	then	then	ADV
fsr-3477	147	11	they	they	PRON
fsr-3477	147	12	are	be	AUX
fsr-3477	147	13	coded	code	VERB
fsr-3477	147	14	0	0	NUM
fsr-3477	147	15	.	.	PUNCT
fsr-3477	148	1	the	the	DET
fsr-3477	148	2	second	second	ADJ
fsr-3477	148	3	variable	variable	NOUN
fsr-3477	148	4	included	include	VERB
fsr-3477	148	5	in	in	ADP
fsr-3477	148	6	the	the	DET
fsr-3477	148	7	human	human	ADJ
fsr-3477	148	8	capital	capital	NOUN
fsr-3477	148	9	concept	concept	NOUN
fsr-3477	148	10	is	be	AUX
fsr-3477	148	11	the	the	DET
fsr-3477	148	12	level	level	NOUN
fsr-3477	148	13	of	of	ADP
fsr-3477	148	14	education	education	NOUN
fsr-3477	148	15	for	for	ADP
fsr-3477	148	16	the	the	DET
fsr-3477	148	17	head	head	NOUN
fsr-3477	148	18	of	of	ADP
fsr-3477	148	19	household	household	NOUN
fsr-3477	148	20	.	.	PUNCT
fsr-3477	149	1	the	the	DET
fsr-3477	149	2	level	level	NOUN
fsr-3477	149	3	of	of	ADP
fsr-3477	149	4	education	education	NOUN
fsr-3477	149	5	was	be	AUX
fsr-3477	149	6	categorized	categorize	VERB
fsr-3477	149	7	as	as	ADP
fsr-3477	149	8	noncollege	noncollege	NOUN
fsr-3477	149	9	degree	degree	NOUN
fsr-3477	149	10	(	(	PUNCT
fsr-3477	149	11	including	include	VERB
fsr-3477	149	12	less	less	ADJ
fsr-3477	149	13	than	than	ADP
fsr-3477	149	14	high	high	ADJ
fsr-3477	149	15	school	school	NOUN
fsr-3477	149	16	,	,	PUNCT
fsr-3477	149	17	high	high	ADJ
fsr-3477	149	18	school	school	NOUN
fsr-3477	149	19	degree	degree	NOUN
fsr-3477	149	20	,	,	PUNCT
fsr-3477	149	21	and	and	CCONJ
fsr-3477	149	22	some	some	DET
fsr-3477	149	23	college	college	NOUN
fsr-3477	149	24	)	)	PUNCT
fsr-3477	149	25	and	and	CCONJ
fsr-3477	149	26	college	college	NOUN
fsr-3477	149	27	degree	degree	NOUN
fsr-3477	149	28	.	.	PUNCT
fsr-3477	150	1	the	the	DET
fsr-3477	150	2	mental	mental	ADJ
fsr-3477	150	3	accounting	accounting	NOUN
fsr-3477	150	4	concept	concept	NOUN
fsr-3477	150	5	relates	relate	VERB
fsr-3477	150	6	to	to	ADP
fsr-3477	150	7	how	how	SCONJ
fsr-3477	150	8	the	the	DET
fsr-3477	150	9	planner	planner	NOUN
fsr-3477	150	10	controls	control	VERB
fsr-3477	150	11	the	the	DET
fsr-3477	150	12	doer	doer	NOUN
fsr-3477	150	13	’s	’s	PART
fsr-3477	150	14	consumption	consumption	NOUN
fsr-3477	150	15	by	by	ADP
fsr-3477	150	16	using	use	VERB
fsr-3477	150	17	various	various	ADJ
fsr-3477	150	18	mental	mental	ADJ
fsr-3477	150	19	accounts	account	NOUN
fsr-3477	150	20	.	.	PUNCT
fsr-3477	151	1	past	past	PROPN
fsr-3477	151	2	literature	literature	PROPN
fsr-3477	151	3	shows	show	VERB
fsr-3477	151	4	that	that	SCONJ
fsr-3477	151	5	households	household	NOUN
fsr-3477	151	6	maintain	maintain	VERB
fsr-3477	151	7	solvent	solvent	ADJ
fsr-3477	151	8	revolving	revolving	NOUN
fsr-3477	151	9	due	due	ADP
fsr-3477	151	10	to	to	ADP
fsr-3477	151	11	mental	mental	ADJ
fsr-3477	151	12	accounting	accounting	NOUN
fsr-3477	151	13	and	and	CCONJ
fsr-3477	151	14	the	the	DET
fsr-3477	151	15	framing	framing	NOUN
fsr-3477	151	16	of	of	ADP
fsr-3477	151	17	the	the	DET
fsr-3477	151	18	different	different	ADJ
fsr-3477	151	19	accounts	account	NOUN
fsr-3477	151	20	.	.	PUNCT
fsr-3477	152	1	with	with	ADP
fsr-3477	152	2	the	the	DET
fsr-3477	152	3	behavioral	behavioral	ADJ
fsr-3477	152	4	life	life	NOUN
fsr-3477	152	5	-	-	PUNCT
fsr-3477	152	6	cycle	cycle	NOUN
fsr-3477	152	7	hypothesis	hypothesis	NOUN
fsr-3477	152	8	,	,	PUNCT
fsr-3477	152	9	households	household	NOUN
fsr-3477	152	10	do	do	AUX
fsr-3477	152	11	not	not	PART
fsr-3477	152	12	view	view	VERB
fsr-3477	152	13	mental	mental	ADJ
fsr-3477	152	14	accounts	account	NOUN
fsr-3477	152	15	as	as	ADP
fsr-3477	152	16	substitutable	substitutable	ADJ
fsr-3477	152	17	.	.	PUNCT
fsr-3477	153	1	households	household	NOUN
fsr-3477	153	2	do	do	AUX
fsr-3477	153	3	not	not	PART
fsr-3477	153	4	tend	tend	VERB
fsr-3477	153	5	to	to	PART
fsr-3477	153	6	use	use	VERB
fsr-3477	153	7	emergency	emergency	NOUN
fsr-3477	153	8	savings	saving	NOUN
fsr-3477	153	9	accounts	account	NOUN
fsr-3477	153	10	to	to	PART
fsr-3477	153	11	pay	pay	VERB
fsr-3477	153	12	off	off	ADP
fsr-3477	153	13	credit	credit	NOUN
fsr-3477	153	14	card	card	NOUN
fsr-3477	153	15	balances	balance	NOUN
fsr-3477	153	16	if	if	SCONJ
fsr-3477	153	17	they	they	PRON
fsr-3477	153	18	are	be	AUX
fsr-3477	153	19	not	not	PART
fsr-3477	153	20	in	in	ADP
fsr-3477	153	21	an	an	DET
fsr-3477	153	22	emergency	emergency	NOUN
fsr-3477	153	23	situation	situation	NOUN
fsr-3477	153	24	.	.	PUNCT
fsr-3477	154	1	the	the	DET
fsr-3477	154	2	variables	variable	NOUN
fsr-3477	154	3	that	that	PRON
fsr-3477	154	4	make	make	VERB
fsr-3477	154	5	up	up	ADP
fsr-3477	154	6	this	this	DET
fsr-3477	154	7	concept	concept	NOUN
fsr-3477	154	8	represent	represent	VERB
fsr-3477	154	9	why	why	SCONJ
fsr-3477	154	10	the	the	DET
fsr-3477	154	11	household	household	NOUN
fsr-3477	154	12	will	will	AUX
fsr-3477	154	13	maintain	maintain	VERB
fsr-3477	154	14	liquid	liquid	ADJ
fsr-3477	154	15	assets	asset	NOUN
fsr-3477	154	16	more	more	ADJ
fsr-3477	154	17	than	than	ADP
fsr-3477	154	18	their	their	PRON
fsr-3477	154	19	credit	credit	NOUN
fsr-3477	154	20	card	card	NOUN
fsr-3477	154	21	balance	balance	NOUN
fsr-3477	154	22	and	and	CCONJ
fsr-3477	154	23	maintain	maintain	VERB
fsr-3477	154	24	their	their	PRON
fsr-3477	154	25	status	status	NOUN
fsr-3477	154	26	as	as	ADP
fsr-3477	154	27	a	a	DET
fsr-3477	154	28	solvent	solvent	NOUN
fsr-3477	154	29	revolver	revolver	NOUN
fsr-3477	154	30	.	.	PUNCT
fsr-3477	155	1	mental	mental	ADJ
fsr-3477	155	2	accounting	accounting	NOUN
fsr-3477	155	3	is	be	AUX
fsr-3477	155	4	measured	measure	VERB
fsr-3477	155	5	by	by	ADP
fsr-3477	155	6	six	six	NUM
fsr-3477	155	7	independent	independent	ADJ
fsr-3477	155	8	variables	variable	NOUN
fsr-3477	155	9	.	.	PUNCT
fsr-3477	156	1	the	the	DET
fsr-3477	156	2	first	first	ADJ
fsr-3477	156	3	variable	variable	NOUN
fsr-3477	156	4	,	,	PUNCT
fsr-3477	156	5	having	have	VERB
fsr-3477	156	6	an	an	DET
fsr-3477	156	7	emergency	emergency	NOUN
fsr-3477	156	8	fund	fund	NOUN
fsr-3477	156	9	.	.	PUNCT
fsr-3477	157	1	if	if	SCONJ
fsr-3477	157	2	the	the	DET
fsr-3477	157	3	household	household	NOUN
fsr-3477	157	4	indicated	indicate	VERB
fsr-3477	157	5	they	they	PRON
fsr-3477	157	6	have	have	VERB
fsr-3477	157	7	savings	saving	NOUN
fsr-3477	157	8	for	for	ADP
fsr-3477	157	9	a	a	DET
fsr-3477	157	10	subjective	subjective	ADJ
fsr-3477	157	11	emergency	emergency	NOUN
fsr-3477	157	12	fund	fund	NOUN
fsr-3477	157	13	,	,	PUNCT
fsr-3477	157	14	they	they	PRON
fsr-3477	157	15	are	be	AUX
fsr-3477	157	16	coded	code	VERB
fsr-3477	157	17	as	as	ADP
fsr-3477	157	18	1	1	NUM
fsr-3477	157	19	and	and	CCONJ
fsr-3477	157	20	0	0	NUM
fsr-3477	157	21	otherwise	otherwise	ADV
fsr-3477	157	22	.	.	PUNCT
fsr-3477	158	1	the	the	DET
fsr-3477	158	2	second	second	ADJ
fsr-3477	158	3	variable	variable	NOUN
fsr-3477	158	4	,	,	PUNCT
fsr-3477	158	5	saving	save	VERB
fsr-3477	158	6	for	for	ADP
fsr-3477	158	7	unemployment	unemployment	NOUN
fsr-3477	158	8	,	,	PUNCT
fsr-3477	158	9	is	be	AUX
fsr-3477	158	10	constructed	construct	VERB
fsr-3477	158	11	by	by	ADP
fsr-3477	158	12	combining	combine	VERB
fsr-3477	158	13	two	two	NUM
fsr-3477	158	14	variables	variable	NOUN
fsr-3477	158	15	:	:	PUNCT
fsr-3477	158	16	if	if	SCONJ
fsr-3477	158	17	the	the	DET
fsr-3477	158	18	household	household	NOUN
fsr-3477	158	19	stated	state	VERB
fsr-3477	158	20	they	they	PRON
fsr-3477	158	21	had	have	VERB
fsr-3477	158	22	a	a	DET
fsr-3477	158	23	savings	saving	NOUN
fsr-3477	158	24	motive	motive	NOUN
fsr-3477	158	25	for	for	ADP
fsr-3477	158	26	unemployment	unemployment	NOUN
fsr-3477	158	27	and	and	CCONJ
fsr-3477	158	28	if	if	SCONJ
fsr-3477	158	29	they	they	PRON
fsr-3477	158	30	expect	expect	VERB
fsr-3477	158	31	their	their	PRON
fsr-3477	158	32	future	future	ADJ
fsr-3477	158	33	income	income	NOUN
fsr-3477	158	34	will	will	AUX
fsr-3477	158	35	decrease	decrease	VERB
fsr-3477	158	36	in	in	ADP
fsr-3477	158	37	comparison	comparison	NOUN
fsr-3477	158	38	with	with	ADP
fsr-3477	158	39	prices	price	NOUN
fsr-3477	158	40	in	in	ADP
fsr-3477	158	41	the	the	DET
fsr-3477	158	42	next	next	ADJ
fsr-3477	158	43	year	year	NOUN
fsr-3477	158	44	.	.	PUNCT
fsr-3477	159	1	the	the	DET
fsr-3477	159	2	variable	variable	NOUN
fsr-3477	159	3	is	be	AUX
fsr-3477	159	4	coded	code	VERB
fsr-3477	159	5	as	as	ADP
fsr-3477	159	6	1	1	NUM
fsr-3477	159	7	if	if	SCONJ
fsr-3477	159	8	the	the	DET
fsr-3477	159	9	household	household	NOUN
fsr-3477	159	10	had	have	VERB
fsr-3477	159	11	a	a	DET
fsr-3477	159	12	motive	motive	NOUN
fsr-3477	159	13	to	to	PART
fsr-3477	159	14	save	save	VERB
fsr-3477	159	15	for	for	ADP
fsr-3477	159	16	unemployment	unemployment	NOUN
fsr-3477	159	17	and	and	CCONJ
fsr-3477	159	18	0	0	NUM
fsr-3477	159	19	otherwise	otherwise	ADV
fsr-3477	159	20	.	.	PUNCT
fsr-3477	160	1	the	the	DET
fsr-3477	160	2	third	third	ADJ
fsr-3477	160	3	variable	variable	NOUN
fsr-3477	160	4	,	,	PUNCT
fsr-3477	160	5	saving	save	VERB
fsr-3477	160	6	for	for	ADP
fsr-3477	160	7	illness	illness	NOUN
fsr-3477	160	8	,	,	PUNCT
fsr-3477	160	9	was	be	AUX
fsr-3477	160	10	constructed	construct	VERB
fsr-3477	160	11	by	by	ADP
fsr-3477	160	12	combining	combine	VERB
fsr-3477	160	13	two	two	NUM
fsr-3477	160	14	variables	variable	NOUN
fsr-3477	160	15	:	:	PUNCT
fsr-3477	160	16	if	if	SCONJ
fsr-3477	160	17	the	the	DET
fsr-3477	160	18	household	household	NOUN
fsr-3477	160	19	stated	state	VERB
fsr-3477	160	20	they	they	PRON
fsr-3477	160	21	had	have	VERB
fsr-3477	160	22	a	a	DET
fsr-3477	160	23	savings	saving	NOUN
fsr-3477	160	24	motive	motive	NOUN
fsr-3477	160	25	for	for	ADP
fsr-3477	160	26	in	in	ADP
fsr-3477	160	27	case	case	NOUN
fsr-3477	160	28	of	of	ADP
fsr-3477	160	29	illness	illness	NOUN
fsr-3477	160	30	or	or	CCONJ
fsr-3477	160	31	future	future	ADJ
fsr-3477	160	32	medical	medical	ADJ
fsr-3477	160	33	expenses	expense	NOUN
fsr-3477	160	34	and	and	CCONJ
fsr-3477	160	35	if	if	SCONJ
fsr-3477	160	36	they	they	PRON
fsr-3477	160	37	have	have	VERB
fsr-3477	160	38	a	a	DET
fsr-3477	160	39	poor	poor	ADJ
fsr-3477	160	40	health	health	NOUN
fsr-3477	160	41	status	status	NOUN
fsr-3477	160	42	.	.	PUNCT
fsr-3477	161	1	the	the	DET
fsr-3477	161	2	variable	variable	NOUN
fsr-3477	161	3	is	be	AUX
fsr-3477	161	4	coded	code	VERB
fsr-3477	161	5	as	as	ADP
fsr-3477	161	6	1	1	NUM
fsr-3477	161	7	if	if	SCONJ
fsr-3477	161	8	the	the	DET
fsr-3477	161	9	household	household	NOUN
fsr-3477	161	10	had	have	VERB
fsr-3477	161	11	a	a	DET
fsr-3477	161	12	motive	motive	NOUN
fsr-3477	161	13	to	to	PART
fsr-3477	161	14	save	save	VERB
fsr-3477	161	15	for	for	ADP
fsr-3477	161	16	illness	illness	NOUN
fsr-3477	161	17	and	and	CCONJ
fsr-3477	161	18	0	0	NUM
fsr-3477	161	19	otherwise	otherwise	ADV
fsr-3477	161	20	.	.	PUNCT
fsr-3477	162	1	the	the	DET
fsr-3477	162	2	fourth	fourth	ADJ
fsr-3477	162	3	variable	variable	NOUN
fsr-3477	162	4	is	be	AUX
fsr-3477	162	5	the	the	DET
fsr-3477	162	6	household	household	NOUN
fsr-3477	162	7	’s	’s	PART
fsr-3477	162	8	ability	ability	NOUN
fsr-3477	162	9	to	to	PART
fsr-3477	162	10	borrow	borrow	VERB
fsr-3477	162	11	$	$	SYM
fsr-3477	162	12	3,000	3,000	NUM
fsr-3477	162	13	from	from	ADP
fsr-3477	162	14	friends	friend	NOUN
fsr-3477	162	15	or	or	CCONJ
fsr-3477	162	16	relatives	relative	NOUN
fsr-3477	162	17	in	in	ADP
fsr-3477	162	18	an	an	DET
fsr-3477	162	19	emergency	emergency	NOUN
fsr-3477	162	20	.	.	PUNCT
fsr-3477	163	1	the	the	DET
fsr-3477	163	2	variable	variable	NOUN
fsr-3477	163	3	is	be	AUX
fsr-3477	163	4	coded	code	VERB
fsr-3477	163	5	as	as	ADP
fsr-3477	163	6	1	1	NUM
fsr-3477	163	7	if	if	SCONJ
fsr-3477	163	8	the	the	DET
fsr-3477	163	9	household	household	NOUN
fsr-3477	163	10	was	be	AUX
fsr-3477	163	11	able	able	ADJ
fsr-3477	163	12	to	to	PART
fsr-3477	163	13	borrow	borrow	VERB
fsr-3477	163	14	and	and	CCONJ
fsr-3477	163	15	0	0	NUM
fsr-3477	163	16	if	if	SCONJ
fsr-3477	163	17	the	the	DET
fsr-3477	163	18	household	household	NOUN
fsr-3477	163	19	was	be	AUX
fsr-3477	163	20	not	not	PART
fsr-3477	163	21	able	able	ADJ
fsr-3477	163	22	to	to	PART
fsr-3477	163	23	borrow	borrow	VERB
fsr-3477	163	24	from	from	ADP
fsr-3477	163	25	friends	friend	NOUN
fsr-3477	163	26	or	or	CCONJ
fsr-3477	163	27	relatives	relative	NOUN
fsr-3477	163	28	.	.	PUNCT
fsr-3477	164	1	the	the	DET
fsr-3477	164	2	fifth	fifth	ADJ
fsr-3477	164	3	variable	variable	NOUN
fsr-3477	164	4	is	be	AUX
fsr-3477	164	5	if	if	SCONJ
fsr-3477	164	6	either	either	CCONJ
fsr-3477	164	7	the	the	DET
fsr-3477	164	8	head	head	NOUN
fsr-3477	164	9	of	of	ADP
fsr-3477	164	10	household	household	NOUN
fsr-3477	164	11	or	or	CCONJ
fsr-3477	164	12	the	the	DET
fsr-3477	164	13	spouse	spouse	NOUN
fsr-3477	164	14	is	be	AUX
fsr-3477	164	15	self	self	NOUN
fsr-3477	164	16	-	-	PUNCT
fsr-3477	164	17	employed	employ	VERB
fsr-3477	164	18	.	.	PUNCT
fsr-3477	165	1	the	the	DET
fsr-3477	165	2	variable	variable	NOUN
fsr-3477	165	3	is	be	AUX
fsr-3477	165	4	coded	code	VERB
fsr-3477	165	5	as	as	ADP
fsr-3477	165	6	1	1	NUM
fsr-3477	165	7	if	if	SCONJ
fsr-3477	165	8	self	self	NOUN
fsr-3477	165	9	-	-	PUNCT
fsr-3477	165	10	employed	employ	VERB
fsr-3477	165	11	and	and	CCONJ
fsr-3477	165	12	0	0	NUM
fsr-3477	165	13	if	if	SCONJ
fsr-3477	165	14	not	not	PART
fsr-3477	165	15	self	self	NOUN
fsr-3477	165	16	-	-	PUNCT
fsr-3477	165	17	employed	employ	VERB
fsr-3477	165	18	.	.	PUNCT
fsr-3477	166	1	the	the	DET
fsr-3477	166	2	last	last	ADJ
fsr-3477	166	3	variable	variable	NOUN
fsr-3477	166	4	is	be	AUX
fsr-3477	166	5	the	the	DET
fsr-3477	166	6	proxies	proxy	NOUN
fsr-3477	166	7	whether	whether	SCONJ
fsr-3477	166	8	a	a	DET
fsr-3477	166	9	household	household	NOUN
fsr-3477	166	10	owns	own	VERB
fsr-3477	166	11	liquid	liquid	ADJ
fsr-3477	166	12	accounts	account	NOUN
fsr-3477	166	13	.	.	PUNCT
fsr-3477	167	1	if	if	SCONJ
fsr-3477	167	2	a	a	DET
fsr-3477	167	3	household	household	NOUN
fsr-3477	167	4	report	report	NOUN
fsr-3477	167	5	owning	own	VERB
fsr-3477	167	6	a	a	DET
fsr-3477	167	7	liquid	liquid	ADJ
fsr-3477	167	8	account	account	NOUN
fsr-3477	167	9	such	such	ADJ
fsr-3477	167	10	as	as	ADP
fsr-3477	167	11	a	a	DET
fsr-3477	167	12	checking	checking	NOUN
fsr-3477	167	13	account	account	NOUN
fsr-3477	167	14	,	,	PUNCT
fsr-3477	167	15	we	we	PRON
fsr-3477	167	16	code	code	VERB
fsr-3477	167	17	that	that	SCONJ
fsr-3477	167	18	as	as	ADP
fsr-3477	167	19	a	a	DET
fsr-3477	167	20	1	1	NUM
fsr-3477	167	21	or	or	CCONJ
fsr-3477	167	22	0	0	NUM
fsr-3477	167	23	otherwise	otherwise	ADV
fsr-3477	167	24	.	.	PUNCT
fsr-3477	168	1	the	the	DET
fsr-3477	168	2	self	self	NOUN
fsr-3477	168	3	-	-	PUNCT
fsr-3477	168	4	control	control	NOUN
fsr-3477	168	5	concept	concept	NOUN
fsr-3477	168	6	is	be	AUX
fsr-3477	168	7	included	include	VERB
fsr-3477	168	8	since	since	SCONJ
fsr-3477	168	9	households	household	NOUN
fsr-3477	168	10	have	have	AUX
fsr-3477	168	11	limited	limit	VERB
fsr-3477	168	12	time	time	NOUN
fsr-3477	168	13	to	to	PART
fsr-3477	168	14	make	make	VERB
fsr-3477	168	15	financial	financial	ADJ
fsr-3477	168	16	decisions	decision	NOUN
fsr-3477	168	17	.	.	PUNCT
fsr-3477	169	1	households	household	NOUN
fsr-3477	169	2	display	display	VERB
fsr-3477	169	3	self	self	NOUN
fsr-3477	169	4	-	-	PUNCT
fsr-3477	169	5	control	control	NOUN
fsr-3477	169	6	issues	issue	NOUN
fsr-3477	169	7	regarding	regard	VERB
fsr-3477	169	8	financial	financial	ADJ
fsr-3477	169	9	decision	decision	NOUN
fsr-3477	169	10	making	making	NOUN
fsr-3477	169	11	.	.	PUNCT
fsr-3477	170	1	selfcontrol	selfcontrol	NOUN
fsr-3477	170	2	plays	play	VERB
fsr-3477	170	3	a	a	DET
fsr-3477	170	4	role	role	NOUN
fsr-3477	170	5	in	in	ADP
fsr-3477	170	6	the	the	DET
fsr-3477	170	7	household	household	NOUN
fsr-3477	170	8	’s	’s	PART
fsr-3477	170	9	susceptibility	susceptibility	NOUN
fsr-3477	170	10	to	to	PART
fsr-3477	170	11	give	give	VERB
fsr-3477	170	12	in	in	ADP
fsr-3477	170	13	to	to	ADP
fsr-3477	170	14	temptation	temptation	NOUN
fsr-3477	170	15	to	to	PART
fsr-3477	170	16	spend	spend	VERB
fsr-3477	170	17	/	/	SYM
fsr-3477	170	18	consume	consume	NOUN
fsr-3477	170	19	during	during	ADP
fsr-3477	170	20	the	the	DET
fsr-3477	170	21	current	current	ADJ
fsr-3477	170	22	period	period	NOUN
fsr-3477	170	23	.	.	PUNCT
fsr-3477	171	1	the	the	DET
fsr-3477	171	2	self	self	NOUN
fsr-3477	171	3	-	-	PUNCT
fsr-3477	171	4	control	control	NOUN
fsr-3477	171	5	concept	concept	NOUN
fsr-3477	171	6	is	be	AUX
fsr-3477	171	7	comprised	comprise	VERB
fsr-3477	171	8	of	of	ADP
fsr-3477	171	9	past	past	ADJ
fsr-3477	171	10	payment	payment	NOUN
fsr-3477	171	11	history	history	NOUN
fsr-3477	171	12	,	,	PUNCT
fsr-3477	171	13	bankruptcy	bankruptcy	NOUN
fsr-3477	171	14	history	history	NOUN
fsr-3477	171	15	,	,	PUNCT
fsr-3477	171	16	credit	credit	NOUN
fsr-3477	171	17	attitude	attitude	NOUN
fsr-3477	171	18	,	,	PUNCT
fsr-3477	171	19	likelihood	likelihood	VERB
fsr-3477	171	20	to	to	PART
fsr-3477	171	21	increase	increase	VERB
fsr-3477	171	22	spending	spending	NOUN
fsr-3477	171	23	with	with	ADP
fsr-3477	171	24	increased	increase	VERB
fsr-3477	171	25	asset	asset	NOUN
fsr-3477	171	26	value	value	NOUN
fsr-3477	171	27	,	,	PUNCT
fsr-3477	171	28	and	and	CCONJ
fsr-3477	171	29	unwillingness	unwillingness	NOUN
fsr-3477	171	30	to	to	PART
fsr-3477	171	31	decrease	decrease	VERB
fsr-3477	171	32	spending	spend	VERB
fsr-3477	171	33	with	with	ADP
fsr-3477	171	34	a	a	DET
fsr-3477	171	35	decrease	decrease	NOUN
fsr-3477	171	36	in	in	ADP
fsr-3477	171	37	asset	asset	NOUN
fsr-3477	171	38	value	value	NOUN
fsr-3477	171	39	.	.	PUNCT
fsr-3477	172	1	the	the	DET
fsr-3477	172	2	first	first	ADJ
fsr-3477	172	3	variable	variable	NOUN
fsr-3477	172	4	is	be	AUX
fsr-3477	172	5	the	the	DET
fsr-3477	172	6	past	past	ADJ
fsr-3477	172	7	payment	payment	NOUN
fsr-3477	172	8	history	history	NOUN
fsr-3477	172	9	of	of	ADP
fsr-3477	172	10	all	all	DET
fsr-3477	172	11	loans	loan	NOUN
fsr-3477	172	12	,	,	PUNCT
fsr-3477	172	13	mortgages	mortgage	NOUN
fsr-3477	172	14	and	and	CCONJ
fsr-3477	172	15	credit	credit	NOUN
fsr-3477	172	16	cards	card	NOUN
fsr-3477	172	17	made	make	VERB
fsr-3477	172	18	during	during	ADP
fsr-3477	172	19	the	the	DET
fsr-3477	172	20	past	past	ADJ
fsr-3477	172	21	year	year	NOUN
fsr-3477	172	22	.	.	PUNCT
fsr-3477	173	1	the	the	DET
fsr-3477	173	2	variable	variable	NOUN
fsr-3477	173	3	is	be	AUX
fsr-3477	173	4	coded	code	VERB
fsr-3477	173	5	as	as	ADP
fsr-3477	173	6	1	1	NUM
fsr-3477	173	7	for	for	ADP
fsr-3477	173	8	those	those	DET
fsr-3477	173	9	households	household	NOUN
fsr-3477	173	10	who	who	PRON
fsr-3477	173	11	made	make	VERB
fsr-3477	173	12	payments	payment	NOUN
fsr-3477	173	13	on	on	ADP
fsr-3477	173	14	schedule	schedule	NOUN
fsr-3477	173	15	or	or	CCONJ
fsr-3477	173	16	had	have	VERB
fsr-3477	173	17	no	no	DET
fsr-3477	173	18	payments	payment	NOUN
fsr-3477	173	19	and	and	CCONJ
fsr-3477	173	20	0	0	NUM
fsr-3477	173	21	for	for	ADP
fsr-3477	173	22	those	those	PRON
fsr-3477	173	23	who	who	PRON
fsr-3477	173	24	were	be	AUX
fsr-3477	173	25	behind	behind	ADP
fsr-3477	173	26	or	or	CCONJ
fsr-3477	173	27	missed	miss	VERB
fsr-3477	173	28	payments	payment	NOUN
fsr-3477	173	29	.	.	PUNCT
fsr-3477	174	1	past	past	PROPN
fsr-3477	174	2	literature	literature	PROPN
fsr-3477	174	3	shows	show	VERB
fsr-3477	174	4	that	that	SCONJ
fsr-3477	174	5	a	a	DET
fsr-3477	174	6	household	household	NOUN
fsr-3477	174	7	maintains	maintain	VERB
fsr-3477	174	8	solvent	solvent	ADJ
fsr-3477	174	9	revolving	revolving	NOUN
fsr-3477	174	10	due	due	ADP
fsr-3477	174	11	to	to	ADP
fsr-3477	174	12	credit	credit	NOUN
fsr-3477	174	13	attitude	attitude	NOUN
fsr-3477	174	14	and	and	CCONJ
fsr-3477	174	15	bankruptcy	bankruptcy	NOUN
fsr-3477	174	16	history	history	NOUN
fsr-3477	174	17	.	.	PUNCT
fsr-3477	175	1	the	the	DET
fsr-3477	175	2	household	household	NOUN
fsr-3477	175	3	’s	’s	PART
fsr-3477	175	4	credit	credit	NOUN
fsr-3477	175	5	attitude	attitude	NOUN
fsr-3477	175	6	is	be	AUX
fsr-3477	175	7	measured	measure	VERB
fsr-3477	175	8	by	by	ADP
fsr-3477	175	9	their	their	PRON
fsr-3477	175	10	feelings	feeling	NOUN
fsr-3477	175	11	about	about	ADP
fsr-3477	175	12	using	use	VERB
fsr-3477	175	13	credit	credit	NOUN
fsr-3477	175	14	.	.	PUNCT
fsr-3477	176	1	the	the	DET
fsr-3477	176	2	l.	l.	PROPN
fsr-3477	176	3	c.	c.	PROPN
fsr-3477	176	4	ricaldi	ricaldi	PROPN
fsr-3477	176	5	et	et	PROPN
fsr-3477	176	6	al	al	PROPN
fsr-3477	176	7	.	.	PUNCT
fsr-3477	176	8	/	/	SYM
fsr-3477	176	9	financial	financial	ADJ
fsr-3477	176	10	services	service	NOUN
fsr-3477	176	11	review	review	VERB
fsr-3477	176	12	30	30	NUM
fsr-3477	176	13	(	(	PUNCT
fsr-3477	176	14	2022	2022	NUM
fsr-3477	176	15	)	)	PUNCT
fsr-3477	177	1	107–124	107–124	NUM
fsr-3477	177	2	113	113	NUM
fsr-3477	177	3	variable	variable	NOUN
fsr-3477	177	4	is	be	AUX
fsr-3477	177	5	coded	code	VERB
fsr-3477	177	6	as	as	ADV
fsr-3477	177	7	positive	positive	ADJ
fsr-3477	177	8	if	if	SCONJ
fsr-3477	177	9	the	the	DET
fsr-3477	177	10	household	household	NOUN
fsr-3477	177	11	feels	feel	VERB
fsr-3477	177	12	credit	credit	NOUN
fsr-3477	177	13	is	be	AUX
fsr-3477	177	14	a	a	DET
fsr-3477	177	15	good	good	ADJ
fsr-3477	177	16	idea	idea	NOUN
fsr-3477	177	17	,	,	PUNCT
fsr-3477	177	18	ambivalent	ambivalent	ADJ
fsr-3477	177	19	if	if	SCONJ
fsr-3477	177	20	the	the	DET
fsr-3477	177	21	household	household	NOUN
fsr-3477	177	22	feels	feel	VERB
fsr-3477	177	23	credit	credit	NOUN
fsr-3477	177	24	is	be	AUX
fsr-3477	177	25	good	good	ADJ
fsr-3477	177	26	in	in	ADP
fsr-3477	177	27	some	some	DET
fsr-3477	177	28	ways	way	NOUN
fsr-3477	177	29	and	and	CCONJ
fsr-3477	177	30	bad	bad	ADJ
fsr-3477	177	31	in	in	ADP
fsr-3477	177	32	others	other	NOUN
fsr-3477	177	33	,	,	PUNCT
fsr-3477	177	34	and	and	CCONJ
fsr-3477	177	35	negative	negative	ADJ
fsr-3477	177	36	if	if	SCONJ
fsr-3477	177	37	the	the	DET
fsr-3477	177	38	household	household	NOUN
fsr-3477	177	39	feels	feel	VERB
fsr-3477	177	40	credit	credit	NOUN
fsr-3477	177	41	,	,	PUNCT
fsr-3477	177	42	is	be	AUX
fsr-3477	177	43	a	a	DET
fsr-3477	177	44	bad	bad	ADJ
fsr-3477	177	45	idea	idea	NOUN
fsr-3477	177	46	.	.	PUNCT
fsr-3477	178	1	the	the	DET
fsr-3477	178	2	ambivalent	ambivalent	ADJ
fsr-3477	178	3	credit	credit	NOUN
fsr-3477	178	4	attitude	attitude	NOUN
fsr-3477	178	5	group	group	NOUN
fsr-3477	178	6	is	be	AUX
fsr-3477	178	7	the	the	DET
fsr-3477	178	8	reference	reference	NOUN
fsr-3477	178	9	group	group	NOUN
fsr-3477	178	10	for	for	ADP
fsr-3477	178	11	the	the	DET
fsr-3477	178	12	regression	regression	NOUN
fsr-3477	178	13	analyses	analysis	NOUN
fsr-3477	178	14	.	.	PUNCT
fsr-3477	179	1	last	last	ADJ
fsr-3477	179	2	,	,	PUNCT
fsr-3477	179	3	bankruptcy	bankruptcy	NOUN
fsr-3477	179	4	history	history	NOUN
fsr-3477	179	5	is	be	AUX
fsr-3477	179	6	coded	code	VERB
fsr-3477	179	7	1	1	NUM
fsr-3477	179	8	if	if	SCONJ
fsr-3477	179	9	the	the	DET
fsr-3477	179	10	household	household	NOUN
fsr-3477	179	11	has	have	AUX
fsr-3477	179	12	ever	ever	ADV
fsr-3477	179	13	filed	file	VERB
fsr-3477	179	14	for	for	ADP
fsr-3477	179	15	bankruptcy	bankruptcy	NOUN
fsr-3477	179	16	,	,	PUNCT
fsr-3477	179	17	or	or	CCONJ
fsr-3477	179	18	0	0	NUM
fsr-3477	179	19	if	if	SCONJ
fsr-3477	179	20	they	they	PRON
fsr-3477	179	21	have	have	AUX
fsr-3477	179	22	never	never	ADV
fsr-3477	179	23	filed	file	VERB
fsr-3477	179	24	for	for	ADP
fsr-3477	179	25	bankruptcy	bankruptcy	NOUN
fsr-3477	179	26	.	.	PUNCT
fsr-3477	180	1	as	as	ADP
fsr-3477	180	2	a	a	DET
fsr-3477	180	3	further	further	ADJ
fsr-3477	180	4	proxy	proxy	NOUN
fsr-3477	180	5	for	for	ADP
fsr-3477	180	6	the	the	DET
fsr-3477	180	7	self	self	NOUN
fsr-3477	180	8	-	-	PUNCT
fsr-3477	180	9	control	control	NOUN
fsr-3477	180	10	concept	concept	NOUN
fsr-3477	180	11	,	,	PUNCT
fsr-3477	180	12	include	include	VERB
fsr-3477	180	13	two	two	NUM
fsr-3477	180	14	variables	variable	NOUN
fsr-3477	180	15	that	that	PRON
fsr-3477	180	16	represent	represent	VERB
fsr-3477	180	17	spending	spending	NOUN
fsr-3477	180	18	and	and	CCONJ
fsr-3477	180	19	consumption	consumption	NOUN
fsr-3477	180	20	when	when	SCONJ
fsr-3477	180	21	faced	face	VERB
fsr-3477	180	22	with	with	ADP
fsr-3477	180	23	positive	positive	ADJ
fsr-3477	180	24	or	or	CCONJ
fsr-3477	180	25	negative	negative	ADJ
fsr-3477	180	26	changes	change	NOUN
fsr-3477	180	27	in	in	ADP
fsr-3477	180	28	income	income	NOUN
fsr-3477	180	29	or	or	CCONJ
fsr-3477	180	30	financial	financial	ADJ
fsr-3477	180	31	assets	asset	NOUN
fsr-3477	180	32	.	.	PUNCT
fsr-3477	181	1	the	the	DET
fsr-3477	181	2	variables	variable	NOUN
fsr-3477	181	3	,	,	PUNCT
fsr-3477	181	4	likelihood	likelihood	VERB
fsr-3477	181	5	to	to	PART
fsr-3477	181	6	increase	increase	VERB
fsr-3477	181	7	spending	spend	VERB
fsr-3477	181	8	if	if	SCONJ
fsr-3477	181	9	assets	asset	NOUN
fsr-3477	181	10	increase	increase	VERB
fsr-3477	181	11	and	and	CCONJ
fsr-3477	181	12	unwillingness	unwillingness	NOUN
fsr-3477	181	13	to	to	PART
fsr-3477	181	14	reduce	reduce	VERB
fsr-3477	181	15	spending	spending	NOUN
fsr-3477	181	16	if	if	SCONJ
fsr-3477	181	17	assets	asset	NOUN
fsr-3477	181	18	decrease	decrease	NOUN
fsr-3477	181	19	,	,	PUNCT
fsr-3477	181	20	are	be	AUX
fsr-3477	181	21	operationalized	operationalize	VERB
fsr-3477	181	22	as	as	ADP
fsr-3477	181	23	dichotomous	dichotomous	ADJ
fsr-3477	181	24	variables	variable	NOUN
fsr-3477	181	25	and	and	CCONJ
fsr-3477	181	26	coded	code	VERB
fsr-3477	181	27	as	as	ADP
fsr-3477	181	28	1	1	NUM
fsr-3477	181	29	if	if	SCONJ
fsr-3477	181	30	they	they	PRON
fsr-3477	181	31	report	report	VERB
fsr-3477	181	32	doing	do	VERB
fsr-3477	181	33	the	the	DET
fsr-3477	181	34	action	action	NOUN
fsr-3477	181	35	and	and	CCONJ
fsr-3477	181	36	0	0	NUM
fsr-3477	181	37	if	if	SCONJ
fsr-3477	181	38	otherwise	otherwise	ADV
fsr-3477	181	39	.	.	PUNCT
fsr-3477	182	1	the	the	DET
fsr-3477	182	2	lifecycle	lifecycle	NOUN
fsr-3477	182	3	factors	factor	NOUN
fsr-3477	182	4	concept	concept	NOUN
fsr-3477	182	5	is	be	AUX
fsr-3477	182	6	included	include	VERB
fsr-3477	182	7	since	since	SCONJ
fsr-3477	182	8	households	household	NOUN
fsr-3477	182	9	make	make	VERB
fsr-3477	182	10	decisions	decision	NOUN
fsr-3477	182	11	based	base	VERB
fsr-3477	182	12	on	on	ADP
fsr-3477	182	13	being	be	AUX
fsr-3477	182	14	in	in	ADP
fsr-3477	182	15	various	various	ADJ
fsr-3477	182	16	stages	stage	NOUN
fsr-3477	182	17	of	of	ADP
fsr-3477	182	18	the	the	DET
fsr-3477	182	19	lifecycle	lifecycle	NOUN
fsr-3477	182	20	.	.	PUNCT
fsr-3477	183	1	the	the	DET
fsr-3477	183	2	variables	variable	NOUN
fsr-3477	183	3	that	that	PRON
fsr-3477	183	4	make	make	VERB
fsr-3477	183	5	up	up	ADP
fsr-3477	183	6	this	this	DET
fsr-3477	183	7	concept	concept	NOUN
fsr-3477	183	8	represent	represent	VERB
fsr-3477	183	9	why	why	SCONJ
fsr-3477	183	10	the	the	DET
fsr-3477	183	11	household	household	NOUN
fsr-3477	183	12	will	will	AUX
fsr-3477	183	13	maintain	maintain	VERB
fsr-3477	183	14	liquid	liquid	ADJ
fsr-3477	183	15	assets	asset	NOUN
fsr-3477	183	16	more	more	ADJ
fsr-3477	183	17	than	than	ADP
fsr-3477	183	18	their	their	PRON
fsr-3477	183	19	credit	credit	NOUN
fsr-3477	183	20	card	card	NOUN
fsr-3477	183	21	balance	balance	NOUN
fsr-3477	183	22	and	and	CCONJ
fsr-3477	183	23	maintain	maintain	VERB
fsr-3477	183	24	their	their	PRON
fsr-3477	183	25	status	status	NOUN
fsr-3477	183	26	as	as	ADP
fsr-3477	183	27	a	a	DET
fsr-3477	183	28	solvent	solvent	NOUN
fsr-3477	183	29	revolver	revolver	NOUN
fsr-3477	183	30	.	.	PUNCT
fsr-3477	184	1	the	the	DET
fsr-3477	184	2	concept	concept	NOUN
fsr-3477	184	3	is	be	AUX
fsr-3477	184	4	measured	measure	VERB
fsr-3477	184	5	using	use	VERB
fsr-3477	184	6	age	age	NOUN
fsr-3477	184	7	,	,	PUNCT
fsr-3477	184	8	race	race	NOUN
fsr-3477	184	9	,	,	PUNCT
fsr-3477	184	10	gender	gender	NOUN
fsr-3477	184	11	,	,	PUNCT
fsr-3477	184	12	marital	marital	ADJ
fsr-3477	184	13	status	status	NOUN
fsr-3477	184	14	,	,	PUNCT
fsr-3477	184	15	income	income	NOUN
fsr-3477	184	16	,	,	PUNCT
fsr-3477	184	17	and	and	CCONJ
fsr-3477	184	18	net	net	ADJ
fsr-3477	184	19	worth	worth	NOUN
fsr-3477	184	20	.	.	PUNCT
fsr-3477	185	1	first	first	ADV
fsr-3477	185	2	,	,	PUNCT
fsr-3477	185	3	age	age	NOUN
fsr-3477	185	4	is	be	AUX
fsr-3477	185	5	coded	code	VERB
fsr-3477	185	6	categorically	categorically	ADV
fsr-3477	185	7	as	as	ADP
fsr-3477	185	8	under	under	ADP
fsr-3477	185	9	35	35	NUM
fsr-3477	185	10	,	,	PUNCT
fsr-3477	185	11	between	between	ADP
fsr-3477	185	12	35	35	NUM
fsr-3477	185	13	and	and	CCONJ
fsr-3477	185	14	55	55	NUM
fsr-3477	185	15	,	,	PUNCT
fsr-3477	185	16	and	and	CCONJ
fsr-3477	185	17	over	over	ADP
fsr-3477	185	18	55	55	NUM
fsr-3477	185	19	.	.	PUNCT
fsr-3477	186	1	race	race	NOUN
fsr-3477	186	2	is	be	AUX
fsr-3477	186	3	separated	separate	VERB
fsr-3477	186	4	into	into	ADP
fsr-3477	186	5	four	four	NUM
fsr-3477	186	6	categories	category	NOUN
fsr-3477	186	7	,	,	PUNCT
fsr-3477	186	8	black	black	ADJ
fsr-3477	186	9	,	,	PUNCT
fsr-3477	186	10	white	white	ADJ
fsr-3477	186	11	,	,	PUNCT
fsr-3477	186	12	hispanic	hispanic	ADJ
fsr-3477	186	13	,	,	PUNCT
fsr-3477	186	14	and	and	CCONJ
fsr-3477	186	15	other	other	ADJ
fsr-3477	186	16	.	.	PUNCT
fsr-3477	187	1	next	next	ADJ
fsr-3477	187	2	,	,	PUNCT
fsr-3477	187	3	gender	gender	NOUN
fsr-3477	187	4	and	and	CCONJ
fsr-3477	187	5	marital	marital	ADJ
fsr-3477	187	6	status	status	NOUN
fsr-3477	187	7	are	be	AUX
fsr-3477	187	8	included	include	VERB
fsr-3477	187	9	in	in	ADP
fsr-3477	187	10	the	the	DET
fsr-3477	187	11	analysis	analysis	NOUN
fsr-3477	187	12	.	.	PUNCT
fsr-3477	188	1	gender	gender	NOUN
fsr-3477	188	2	is	be	AUX
fsr-3477	188	3	coded	code	VERB
fsr-3477	188	4	as	as	ADP
fsr-3477	188	5	male	male	ADJ
fsr-3477	188	6	or	or	CCONJ
fsr-3477	188	7	female	female	ADJ
fsr-3477	188	8	and	and	CCONJ
fsr-3477	188	9	male	male	NOUN
fsr-3477	188	10	is	be	AUX
fsr-3477	188	11	the	the	DET
fsr-3477	188	12	reference	reference	NOUN
fsr-3477	188	13	category	category	NOUN
fsr-3477	188	14	for	for	ADP
fsr-3477	188	15	the	the	DET
fsr-3477	188	16	regression	regression	NOUN
fsr-3477	188	17	analyses	analysis	NOUN
fsr-3477	188	18	.	.	PUNCT
fsr-3477	189	1	marital	marital	ADJ
fsr-3477	189	2	status	status	NOUN
fsr-3477	189	3	is	be	AUX
fsr-3477	189	4	coded	code	VERB
fsr-3477	189	5	as	as	ADV
fsr-3477	189	6	married	married	ADJ
fsr-3477	189	7	or	or	CCONJ
fsr-3477	189	8	not	not	PART
fsr-3477	189	9	married	married	ADJ
fsr-3477	189	10	.	.	PUNCT
fsr-3477	190	1	the	the	DET
fsr-3477	190	2	married	married	ADJ
fsr-3477	190	3	category	category	NOUN
fsr-3477	190	4	is	be	AUX
fsr-3477	190	5	the	the	DET
fsr-3477	190	6	reference	reference	NOUN
fsr-3477	190	7	group	group	NOUN
fsr-3477	190	8	.	.	PUNCT
fsr-3477	191	1	next	next	ADV
fsr-3477	191	2	,	,	PUNCT
fsr-3477	191	3	household	household	NOUN
fsr-3477	191	4	income	income	NOUN
fsr-3477	191	5	is	be	AUX
fsr-3477	191	6	a	a	DET
fsr-3477	191	7	continuous	continuous	ADJ
fsr-3477	191	8	variable	variable	NOUN
fsr-3477	191	9	.	.	PUNCT
fsr-3477	192	1	income	income	NOUN
fsr-3477	192	2	is	be	AUX
fsr-3477	192	3	logged	log	VERB
fsr-3477	192	4	to	to	PART
fsr-3477	192	5	see	see	VERB
fsr-3477	192	6	the	the	DET
fsr-3477	192	7	magnitude	magnitude	NOUN
fsr-3477	192	8	and	and	CCONJ
fsr-3477	192	9	its	its	PRON
fsr-3477	192	10	effect	effect	NOUN
fsr-3477	192	11	in	in	ADP
fsr-3477	192	12	each	each	PRON
fsr-3477	192	13	of	of	ADP
fsr-3477	192	14	the	the	DET
fsr-3477	192	15	regressions	regression	NOUN
fsr-3477	192	16	.	.	PUNCT
fsr-3477	193	1	last	last	ADJ
fsr-3477	193	2	,	,	PUNCT
fsr-3477	193	3	net	net	ADJ
fsr-3477	193	4	worth	worth	NOUN
fsr-3477	193	5	is	be	AUX
fsr-3477	193	6	a	a	DET
fsr-3477	193	7	continuous	continuous	ADJ
fsr-3477	193	8	variable	variable	NOUN
fsr-3477	193	9	.	.	PUNCT
fsr-3477	194	1	household	household	NOUN
fsr-3477	194	2	net	net	ADJ
fsr-3477	194	3	worth	worth	NOUN
fsr-3477	194	4	is	be	AUX
fsr-3477	194	5	logged	log	VERB
fsr-3477	194	6	to	to	PART
fsr-3477	194	7	see	see	VERB
fsr-3477	194	8	the	the	DET
fsr-3477	194	9	magnitude	magnitude	NOUN
fsr-3477	194	10	and	and	CCONJ
fsr-3477	194	11	its	its	PRON
fsr-3477	194	12	effect	effect	NOUN
fsr-3477	194	13	in	in	ADP
fsr-3477	194	14	each	each	PRON
fsr-3477	194	15	of	of	ADP
fsr-3477	194	16	the	the	DET
fsr-3477	194	17	regressions	regression	NOUN
fsr-3477	194	18	.	.	PUNCT
fsr-3477	195	1	5.4	5.4	NUM
fsr-3477	195	2	.	.	PUNCT
fsr-3477	195	3	empirical	empirical	ADJ
fsr-3477	195	4	models	model	NOUN
fsr-3477	195	5	to	to	PART
fsr-3477	195	6	answer	answer	VERB
fsr-3477	195	7	the	the	DET
fsr-3477	195	8	research	research	NOUN
fsr-3477	195	9	questions	question	NOUN
fsr-3477	195	10	,	,	PUNCT
fsr-3477	195	11	we	we	PRON
fsr-3477	195	12	use	use	VERB
fsr-3477	195	13	a	a	DET
fsr-3477	195	14	combination	combination	NOUN
fsr-3477	195	15	of	of	ADP
fsr-3477	195	16	multinomial	multinomial	ADJ
fsr-3477	195	17	logistic	logistic	ADJ
fsr-3477	195	18	regressions	regression	NOUN
fsr-3477	195	19	(	(	PUNCT
fsr-3477	195	20	mlr	mlr	NOUN
fsr-3477	195	21	)	)	PUNCT
fsr-3477	195	22	and	and	CCONJ
fsr-3477	195	23	binary	binary	ADJ
fsr-3477	195	24	logistic	logistic	ADJ
fsr-3477	195	25	regressions	regression	NOUN
fsr-3477	195	26	(	(	PUNCT
fsr-3477	195	27	blr	blr	PROPN
fsr-3477	195	28	)	)	PUNCT
fsr-3477	195	29	.	.	PUNCT
fsr-3477	196	1	mlr	mlr	NOUN
fsr-3477	196	2	is	be	AUX
fsr-3477	196	3	used	use	VERB
fsr-3477	196	4	due	due	ADP
fsr-3477	196	5	to	to	ADP
fsr-3477	196	6	the	the	DET
fsr-3477	196	7	structure	structure	NOUN
fsr-3477	196	8	of	of	ADP
fsr-3477	196	9	the	the	DET
fsr-3477	196	10	dependent	dependent	ADJ
fsr-3477	196	11	variable	variable	NOUN
fsr-3477	196	12	.	.	PUNCT
fsr-3477	197	1	recall	recall	NOUN
fsr-3477	197	2	,	,	PUNCT
fsr-3477	197	3	the	the	DET
fsr-3477	197	4	dependent	dependent	ADJ
fsr-3477	197	5	variable	variable	NOUN
fsr-3477	197	6	is	be	AUX
fsr-3477	197	7	constructed	construct	VERB
fsr-3477	197	8	by	by	ADP
fsr-3477	197	9	categorizing	categorize	VERB
fsr-3477	197	10	credit	credit	NOUN
fsr-3477	197	11	card	card	NOUN
fsr-3477	197	12	users	user	NOUN
fsr-3477	197	13	into	into	ADP
fsr-3477	197	14	one	one	NUM
fsr-3477	197	15	of	of	ADP
fsr-3477	197	16	three	three	NUM
fsr-3477	197	17	unranked	unranke	VERB
fsr-3477	197	18	categories	category	NOUN
fsr-3477	197	19	:	:	PUNCT
fsr-3477	197	20	convenience	convenience	NOUN
fsr-3477	197	21	users	user	NOUN
fsr-3477	197	22	,	,	PUNCT
fsr-3477	197	23	solvent	solvent	NOUN
fsr-3477	197	24	,	,	PUNCT
fsr-3477	197	25	and	and	CCONJ
fsr-3477	197	26	insolvent	insolvent	ADJ
fsr-3477	197	27	revolvers	revolver	NOUN
fsr-3477	197	28	.	.	PUNCT
fsr-3477	198	1	we	we	PRON
fsr-3477	198	2	present	present	VERB
fsr-3477	198	3	four	four	NUM
fsr-3477	198	4	mlr	mlr	NOUN
fsr-3477	198	5	models	model	NOUN
fsr-3477	198	6	,	,	PUNCT
fsr-3477	198	7	specification	specification	NOUN
fsr-3477	198	8	a	a	PRON
fsr-3477	198	9	–	–	PUNCT
fsr-3477	198	10	d.	d.	NOUN
fsr-3477	198	11	in	in	ADP
fsr-3477	198	12	specification	specification	NOUN
fsr-3477	198	13	a	a	PRON
fsr-3477	198	14	,	,	PUNCT
fsr-3477	198	15	we	we	PRON
fsr-3477	198	16	regress	regress	VERB
fsr-3477	198	17	the	the	DET
fsr-3477	198	18	human	human	ADJ
fsr-3477	198	19	capital	capital	NOUN
fsr-3477	198	20	concept	concept	NOUN
fsr-3477	198	21	on	on	ADP
fsr-3477	198	22	the	the	DET
fsr-3477	198	23	dependent	dependent	ADJ
fsr-3477	198	24	variable	variable	NOUN
fsr-3477	198	25	.	.	PUNCT
fsr-3477	199	1	in	in	ADP
fsr-3477	199	2	specification	specification	NOUN
fsr-3477	199	3	b	b	NOUN
fsr-3477	199	4	,	,	PUNCT
fsr-3477	199	5	we	we	PRON
fsr-3477	199	6	include	include	VERB
fsr-3477	199	7	mental	mental	ADJ
fsr-3477	199	8	accounting	accounting	NOUN
fsr-3477	199	9	to	to	ADP
fsr-3477	199	10	the	the	DET
fsr-3477	199	11	previous	previous	ADJ
fsr-3477	199	12	model	model	NOUN
fsr-3477	199	13	.	.	PUNCT
fsr-3477	200	1	we	we	PRON
fsr-3477	200	2	then	then	ADV
fsr-3477	200	3	add	add	VERB
fsr-3477	200	4	the	the	DET
fsr-3477	200	5	self	self	NOUN
fsr-3477	200	6	-	-	PUNCT
fsr-3477	200	7	control	control	NOUN
fsr-3477	200	8	and	and	CCONJ
fsr-3477	200	9	estimate	estimate	VERB
fsr-3477	200	10	specification	specification	NOUN
fsr-3477	200	11	c.	c.	NOUN
fsr-3477	200	12	in	in	ADP
fsr-3477	200	13	the	the	DET
fsr-3477	200	14	final	final	ADJ
fsr-3477	200	15	mlr	mlr	NOUN
fsr-3477	200	16	model	model	NOUN
fsr-3477	200	17	,	,	PUNCT
fsr-3477	200	18	we	we	PRON
fsr-3477	200	19	include	include	VERB
fsr-3477	200	20	life	life	NOUN
fsr-3477	200	21	cycle	cycle	NOUN
fsr-3477	200	22	factors	factor	NOUN
fsr-3477	200	23	to	to	ADP
fsr-3477	200	24	all	all	DET
fsr-3477	200	25	previous	previous	ADJ
fsr-3477	200	26	three	three	NUM
fsr-3477	200	27	concepts	concept	NOUN
fsr-3477	200	28	.	.	PUNCT
fsr-3477	201	1	the	the	DET
fsr-3477	201	2	final	final	ADJ
fsr-3477	201	3	model	model	NOUN
fsr-3477	201	4	uses	use	VERB
fsr-3477	201	5	a	a	DET
fsr-3477	201	6	restricted	restricted	ADJ
fsr-3477	201	7	sample	sample	NOUN
fsr-3477	201	8	that	that	PRON
fsr-3477	201	9	includes	include	VERB
fsr-3477	201	10	only	only	ADV
fsr-3477	201	11	convenience	convenience	NOUN
fsr-3477	201	12	users	user	NOUN
fsr-3477	201	13	and	and	CCONJ
fsr-3477	201	14	solvent	solvent	ADJ
fsr-3477	201	15	revolvers	revolver	NOUN
fsr-3477	201	16	who	who	PRON
fsr-3477	201	17	are	be	AUX
fsr-3477	201	18	financially	financially	ADV
fsr-3477	201	19	literate	literate	ADJ
fsr-3477	201	20	;	;	PUNCT
fsr-3477	201	21	therefore	therefore	ADV
fsr-3477	201	22	,	,	PUNCT
fsr-3477	201	23	a	a	DET
fsr-3477	201	24	blr	blr	PROPN
fsr-3477	201	25	is	be	AUX
fsr-3477	201	26	used	use	VERB
fsr-3477	201	27	.	.	PUNCT
fsr-3477	202	1	the	the	DET
fsr-3477	202	2	model	model	NOUN
fsr-3477	202	3	seeks	seek	VERB
fsr-3477	202	4	to	to	PART
fsr-3477	202	5	explain	explain	VERB
fsr-3477	202	6	why	why	SCONJ
fsr-3477	202	7	households	household	NOUN
fsr-3477	202	8	remain	remain	VERB
fsr-3477	202	9	solvent	solvent	ADJ
fsr-3477	202	10	revolvers	revolver	NOUN
fsr-3477	202	11	when	when	SCONJ
fsr-3477	202	12	they	they	PRON
fsr-3477	202	13	have	have	VERB
fsr-3477	202	14	the	the	DET
fsr-3477	202	15	financial	financial	ADJ
fsr-3477	202	16	resources	resource	NOUN
fsr-3477	202	17	and	and	CCONJ
fsr-3477	202	18	financial	financial	ADJ
fsr-3477	202	19	sophistication	sophistication	NOUN
fsr-3477	202	20	to	to	PART
fsr-3477	202	21	be	be	AUX
fsr-3477	202	22	convenience	convenience	NOUN
fsr-3477	202	23	users	user	NOUN
fsr-3477	202	24	.	.	PUNCT
fsr-3477	203	1	5.5	5.5	NUM
fsr-3477	203	2	.	.	PUNCT
fsr-3477	204	1	analysis	analysis	NOUN
fsr-3477	204	2	of	of	ADP
fsr-3477	204	3	data	datum	NOUN
fsr-3477	204	4	descriptive	descriptive	ADJ
fsr-3477	204	5	statistics	statistic	NOUN
fsr-3477	204	6	were	be	AUX
fsr-3477	204	7	conducted	conduct	VERB
fsr-3477	204	8	to	to	PART
fsr-3477	204	9	look	look	VERB
fsr-3477	204	10	at	at	ADP
fsr-3477	204	11	the	the	DET
fsr-3477	204	12	characteristics	characteristic	NOUN
fsr-3477	204	13	of	of	ADP
fsr-3477	204	14	households	household	NOUN
fsr-3477	204	15	.	.	PUNCT
fsr-3477	205	1	to	to	PART
fsr-3477	205	2	generalize	generalize	VERB
fsr-3477	205	3	the	the	DET
fsr-3477	205	4	findings	finding	NOUN
fsr-3477	205	5	back	back	ADV
fsr-3477	205	6	to	to	ADP
fsr-3477	205	7	the	the	DET
fsr-3477	205	8	u.s	u.s	PROPN
fsr-3477	205	9	.	.	PROPN
fsr-3477	205	10	population	population	NOUN
fsr-3477	205	11	,	,	PUNCT
fsr-3477	205	12	the	the	DET
fsr-3477	205	13	descriptive	descriptive	ADJ
fsr-3477	205	14	statistics	statistic	NOUN
fsr-3477	205	15	are	be	AUX
fsr-3477	205	16	weighted	weight	VERB
fsr-3477	205	17	using	use	VERB
fsr-3477	205	18	a	a	DET
fsr-3477	205	19	weight	weight	NOUN
fsr-3477	205	20	variable	variable	NOUN
fsr-3477	205	21	provided	provide	VERB
fsr-3477	205	22	by	by	ADP
fsr-3477	205	23	the	the	DET
fsr-3477	205	24	federal	federal	PROPN
fsr-3477	205	25	reserve	reserve	PROPN
fsr-3477	205	26	(	(	PUNCT
fsr-3477	205	27	lindamood	lindamood	PROPN
fsr-3477	205	28	,	,	PUNCT
fsr-3477	205	29	hanna	hanna	PROPN
fsr-3477	205	30	,	,	PUNCT
fsr-3477	205	31	&	&	CCONJ
fsr-3477	205	32	bi	bi	PROPN
fsr-3477	205	33	,	,	PUNCT
fsr-3477	205	34	2007	2007	NUM
fsr-3477	205	35	)	)	PUNCT
fsr-3477	205	36	.	.	PUNCT
fsr-3477	206	1	since	since	SCONJ
fsr-3477	206	2	114	114	NUM
fsr-3477	206	3	l.	l.	PROPN
fsr-3477	206	4	c.	c.	PROPN
fsr-3477	206	5	ricaldi	ricaldi	PROPN
fsr-3477	206	6	et	et	PROPN
fsr-3477	206	7	al	al	PROPN
fsr-3477	206	8	.	.	PUNCT
fsr-3477	206	9	/	/	SYM
fsr-3477	206	10	financial	financial	ADJ
fsr-3477	206	11	services	service	NOUN
fsr-3477	206	12	review	review	VERB
fsr-3477	206	13	30	30	NUM
fsr-3477	206	14	(	(	PUNCT
fsr-3477	206	15	2022	2022	NUM
fsr-3477	206	16	)	)	PUNCT
fsr-3477	207	1	107–124	107–124	NUM
fsr-3477	207	2	the	the	DET
fsr-3477	207	3	dependent	dependent	ADJ
fsr-3477	207	4	variables	variable	NOUN
fsr-3477	207	5	are	be	AUX
fsr-3477	207	6	unranked	unranke	VERB
fsr-3477	207	7	and	and	CCONJ
fsr-3477	207	8	categorical	categorical	ADJ
fsr-3477	207	9	multinomial	multinomial	NOUN
fsr-3477	207	10	and	and	CCONJ
fsr-3477	207	11	binary	binary	ADJ
fsr-3477	207	12	logistic	logistic	ADJ
fsr-3477	207	13	regressions	regression	NOUN
fsr-3477	207	14	are	be	AUX
fsr-3477	207	15	used	use	VERB
fsr-3477	207	16	to	to	PART
fsr-3477	207	17	estimate	estimate	VERB
fsr-3477	207	18	the	the	DET
fsr-3477	207	19	likelihood	likelihood	NOUN
fsr-3477	207	20	of	of	ADP
fsr-3477	207	21	the	the	DET
fsr-3477	207	22	dependent	dependent	ADJ
fsr-3477	207	23	variables	variable	NOUN
fsr-3477	207	24	occurring	occur	VERB
fsr-3477	207	25	given	give	VERB
fsr-3477	207	26	the	the	DET
fsr-3477	207	27	set	set	NOUN
fsr-3477	207	28	of	of	ADP
fsr-3477	207	29	independent	independent	ADJ
fsr-3477	207	30	variables	variable	NOUN
fsr-3477	207	31	.	.	PUNCT
fsr-3477	208	1	the	the	DET
fsr-3477	208	2	regression	regression	NOUN
fsr-3477	208	3	analyses	analysis	NOUN
fsr-3477	208	4	are	be	AUX
fsr-3477	208	5	not	not	PART
fsr-3477	208	6	weighted	weight	VERB
fsr-3477	208	7	(	(	PUNCT
fsr-3477	208	8	lindamood	lindamood	NOUN
fsr-3477	208	9	et	et	PROPN
fsr-3477	208	10	al	al	PROPN
fsr-3477	208	11	.	.	PROPN
fsr-3477	208	12	,	,	PUNCT
fsr-3477	208	13	2007	2007	NUM
fsr-3477	208	14	)	)	PUNCT
fsr-3477	208	15	.	.	PUNCT
fsr-3477	209	1	6	6	X
fsr-3477	209	2	.	.	X
fsr-3477	209	3	results	result	VERB
fsr-3477	209	4	6.1	6.1	NUM
fsr-3477	209	5	.	.	PUNCT
fsr-3477	209	6	descriptive	descriptive	ADJ
fsr-3477	209	7	statistics	statistic	NOUN
fsr-3477	209	8	since	since	SCONJ
fsr-3477	209	9	the	the	DET
fsr-3477	209	10	descriptive	descriptive	ADJ
fsr-3477	209	11	statistics	statistic	NOUN
fsr-3477	209	12	are	be	AUX
fsr-3477	209	13	weighted	weight	VERB
fsr-3477	209	14	,	,	PUNCT
fsr-3477	209	15	the	the	DET
fsr-3477	209	16	reported	report	VERB
fsr-3477	209	17	percentages	percentage	NOUN
fsr-3477	209	18	,	,	PUNCT
fsr-3477	209	19	means	mean	NOUN
fsr-3477	209	20	,	,	PUNCT
fsr-3477	209	21	and	and	CCONJ
fsr-3477	209	22	standard	standard	ADJ
fsr-3477	209	23	errors	error	NOUN
fsr-3477	209	24	represent	represent	VERB
fsr-3477	209	25	all	all	DET
fsr-3477	209	26	u.s	u.s	PROPN
fsr-3477	209	27	.	.	PROPN
fsr-3477	209	28	households	household	NOUN
fsr-3477	209	29	.	.	PUNCT
fsr-3477	210	1	fig	fig	NOUN
fsr-3477	210	2	.	.	PUNCT
fsr-3477	211	1	1	1	NUM
fsr-3477	211	2	shows	show	VERB
fsr-3477	211	3	the	the	DET
fsr-3477	211	4	distribution	distribution	NOUN
fsr-3477	211	5	of	of	ADP
fsr-3477	211	6	credit	credit	NOUN
fsr-3477	211	7	user	user	NOUN
fsr-3477	211	8	groups	group	NOUN
fsr-3477	211	9	in	in	ADP
fsr-3477	211	10	the	the	DET
fsr-3477	211	11	full	full	ADJ
fsr-3477	211	12	sample	sample	NOUN
fsr-3477	211	13	.	.	PUNCT
fsr-3477	212	1	convenience	convenience	NOUN
fsr-3477	212	2	users	user	NOUN
fsr-3477	212	3	account	account	VERB
fsr-3477	212	4	for	for	ADP
fsr-3477	212	5	46	46	NUM
fsr-3477	212	6	%	%	NOUN
fsr-3477	212	7	of	of	ADP
fsr-3477	212	8	the	the	DET
fsr-3477	212	9	sample	sample	NOUN
fsr-3477	212	10	,	,	PUNCT
fsr-3477	212	11	while	while	SCONJ
fsr-3477	212	12	insolvent	insolvent	ADJ
fsr-3477	212	13	and	and	CCONJ
fsr-3477	212	14	solvent	solvent	ADJ
fsr-3477	212	15	revolvers	revolver	NOUN
fsr-3477	212	16	make	make	VERB
fsr-3477	212	17	up	up	ADP
fsr-3477	212	18	30	30	NUM
fsr-3477	212	19	%	%	NOUN
fsr-3477	212	20	and	and	CCONJ
fsr-3477	212	21	24	24	NUM
fsr-3477	212	22	%	%	NOUN
fsr-3477	212	23	,	,	PUNCT
fsr-3477	212	24	respectively	respectively	ADV
fsr-3477	212	25	.	.	PUNCT
fsr-3477	213	1	fig	fig	NOUN
fsr-3477	213	2	.	.	PUNCT
fsr-3477	214	1	2	2	NUM
fsr-3477	214	2	presents	present	VERB
fsr-3477	214	3	a	a	DET
fsr-3477	214	4	pie	pie	NOUN
fsr-3477	214	5	chart	chart	NOUN
fsr-3477	214	6	that	that	PRON
fsr-3477	214	7	shows	show	VERB
fsr-3477	214	8	the	the	DET
fsr-3477	214	9	distribution	distribution	NOUN
fsr-3477	214	10	of	of	ADP
fsr-3477	214	11	the	the	DET
fsr-3477	214	12	sample	sample	NOUN
fsr-3477	214	13	by	by	ADP
fsr-3477	214	14	the	the	DET
fsr-3477	214	15	number	number	NOUN
fsr-3477	214	16	of	of	ADP
fsr-3477	214	17	financial	financial	ADJ
fsr-3477	214	18	literacy	literacy	NOUN
fsr-3477	214	19	questions	question	NOUN
fsr-3477	214	20	that	that	PRON
fsr-3477	214	21	were	be	AUX
fsr-3477	214	22	answered	answer	VERB
fsr-3477	214	23	correctly	correctly	ADV
fsr-3477	214	24	.	.	PUNCT
fsr-3477	215	1	from	from	ADP
fsr-3477	215	2	the	the	DET
fsr-3477	215	3	pie	pie	NOUN
fsr-3477	215	4	chart	chart	NOUN
fsr-3477	215	5	only	only	ADV
fsr-3477	215	6	50	50	NUM
fsr-3477	215	7	%	%	NOUN
fsr-3477	215	8	of	of	ADP
fsr-3477	215	9	the	the	DET
fsr-3477	215	10	respondents	respondent	NOUN
fsr-3477	215	11	in	in	ADP
fsr-3477	215	12	our	our	PRON
fsr-3477	215	13	sample	sample	NOUN
fsr-3477	215	14	were	be	AUX
fsr-3477	215	15	able	able	ADJ
fsr-3477	215	16	to	to	PART
fsr-3477	215	17	answer	answer	VERB
fsr-3477	215	18	all	all	DET
fsr-3477	215	19	three	three	NUM
fsr-3477	215	20	questions	question	NOUN
fsr-3477	215	21	correctly	correctly	ADV
fsr-3477	215	22	.	.	PUNCT
fsr-3477	216	1	for	for	ADP
fsr-3477	216	2	our	our	PRON
fsr-3477	216	3	research	research	NOUN
fsr-3477	216	4	,	,	PUNCT
fsr-3477	216	5	we	we	PRON
fsr-3477	216	6	consider	consider	VERB
fsr-3477	216	7	respondents	respondent	NOUN
fsr-3477	216	8	that	that	PRON
fsr-3477	216	9	answered	answer	VERB
fsr-3477	216	10	all	all	DET
fsr-3477	216	11	questions	question	NOUN
fsr-3477	216	12	correctly	correctly	ADV
fsr-3477	216	13	as	as	ADP
fsr-3477	216	14	financially	financially	ADV
fsr-3477	216	15	literate	literate	ADJ
fsr-3477	216	16	.	.	PUNCT
fsr-3477	217	1	fig	fig	NOUN
fsr-3477	217	2	.	.	PUNCT
fsr-3477	218	1	3	3	NUM
fsr-3477	218	2	separates	separate	VERB
fsr-3477	218	3	the	the	DET
fsr-3477	218	4	credit	credit	NOUN
fsr-3477	218	5	user	user	NOUN
fsr-3477	218	6	group	group	NOUN
fsr-3477	218	7	by	by	ADP
fsr-3477	218	8	financially	financially	ADV
fsr-3477	218	9	literate	literate	ADJ
fsr-3477	218	10	or	or	CCONJ
fsr-3477	218	11	not	not	PART
fsr-3477	218	12	financially	financially	ADV
fsr-3477	218	13	literate	literate	ADJ
fsr-3477	218	14	.	.	PUNCT
fsr-3477	219	1	financially	financially	ADV
fsr-3477	219	2	literate	literate	ADJ
fsr-3477	219	3	respondents	respondent	NOUN
fsr-3477	219	4	are	be	AUX
fsr-3477	219	5	more	more	ADV
fsr-3477	219	6	likely	likely	ADJ
fsr-3477	219	7	to	to	PART
fsr-3477	219	8	be	be	AUX
fsr-3477	219	9	convenience	convenience	NOUN
fsr-3477	219	10	users	user	NOUN
fsr-3477	219	11	and	and	CCONJ
fsr-3477	219	12	less	less	ADV
fsr-3477	219	13	likely	likely	ADJ
fsr-3477	219	14	to	to	PART
fsr-3477	219	15	be	be	AUX
fsr-3477	219	16	solvent	solvent	ADJ
fsr-3477	219	17	revolvers	revolver	NOUN
fsr-3477	219	18	.	.	PUNCT
fsr-3477	220	1	see	see	VERB
fsr-3477	220	2	table	table	NOUN
fsr-3477	220	3	1a	1a	NOUN
fsr-3477	220	4	for	for	ADP
fsr-3477	220	5	frequency	frequency	NOUN
fsr-3477	220	6	distributions	distribution	NOUN
fsr-3477	220	7	and	and	CCONJ
fsr-3477	220	8	table	table	NOUN
fsr-3477	220	9	1b	1b	NUM
fsr-3477	220	10	for	for	ADP
fsr-3477	220	11	mean	mean	NOUN
fsr-3477	220	12	and	and	CCONJ
fsr-3477	220	13	median	median	NOUN
fsr-3477	220	14	of	of	ADP
fsr-3477	220	15	the	the	DET
fsr-3477	220	16	full	full	ADJ
fsr-3477	220	17	sample	sample	NOUN
fsr-3477	220	18	and	and	CCONJ
fsr-3477	220	19	by	by	ADP
fsr-3477	220	20	type	type	NOUN
fsr-3477	220	21	of	of	ADP
fsr-3477	220	22	credit	credit	NOUN
fsr-3477	220	23	ser	ser	NOUN
fsr-3477	220	24	for	for	ADP
fsr-3477	220	25	other	other	ADJ
fsr-3477	220	26	independent	independent	ADJ
fsr-3477	220	27	variables	variable	NOUN
fsr-3477	220	28	included	include	VERB
fsr-3477	220	29	in	in	ADP
fsr-3477	220	30	our	our	PRON
fsr-3477	220	31	models	model	NOUN
fsr-3477	220	32	.	.	PUNCT
fsr-3477	221	1	6.2	6.2	NUM
fsr-3477	221	2	.	.	PUNCT
fsr-3477	222	1	regression	regression	NOUN
fsr-3477	222	2	table	table	NOUN
fsr-3477	222	3	2	2	NUM
fsr-3477	222	4	provides	provide	VERB
fsr-3477	222	5	multinomial	multinomial	ADJ
fsr-3477	222	6	logistic	logistic	ADJ
fsr-3477	222	7	regression	regression	NOUN
fsr-3477	222	8	results	result	NOUN
fsr-3477	222	9	for	for	ADP
fsr-3477	222	10	four	four	NUM
fsr-3477	222	11	specifications	specification	NOUN
fsr-3477	222	12	of	of	ADP
fsr-3477	222	13	our	our	PRON
fsr-3477	222	14	empirical	empirical	ADJ
fsr-3477	222	15	model	model	NOUN
fsr-3477	222	16	.	.	PUNCT
fsr-3477	223	1	recall	recall	VERB
fsr-3477	223	2	that	that	SCONJ
fsr-3477	223	3	the	the	DET
fsr-3477	223	4	dependent	dependent	ADJ
fsr-3477	223	5	variable	variable	NOUN
fsr-3477	223	6	is	be	AUX
fsr-3477	223	7	credit	credit	NOUN
fsr-3477	223	8	card	card	NOUN
fsr-3477	223	9	user	user	NOUN
fsr-3477	223	10	type	type	NOUN
fsr-3477	223	11	with	with	ADP
fsr-3477	223	12	three	three	NUM
fsr-3477	223	13	levels	level	NOUN
fsr-3477	223	14	:	:	PUNCT
fsr-3477	223	15	solvent	solvent	NOUN
fsr-3477	223	16	revolver	revolver	NOUN
fsr-3477	223	17	,	,	PUNCT
fsr-3477	223	18	insolvent	insolvent	ADJ
fsr-3477	223	19	revolver	revolver	NOUN
fsr-3477	223	20	,	,	PUNCT
fsr-3477	223	21	and	and	CCONJ
fsr-3477	223	22	convenience	convenience	NOUN
fsr-3477	223	23	user	user	NOUN
fsr-3477	223	24	.	.	PUNCT
fsr-3477	224	1	convenience	convenience	NOUN
fsr-3477	224	2	user	user	NOUN
fsr-3477	224	3	is	be	AUX
fsr-3477	224	4	the	the	DET
fsr-3477	224	5	base	base	ADJ
fsr-3477	224	6	fig	fig	NOUN
fsr-3477	224	7	.	.	PUNCT
fsr-3477	225	1	1	1	X
fsr-3477	225	2	.	.	X
fsr-3477	225	3	shows	show	VERB
fsr-3477	225	4	distribution	distribution	NOUN
fsr-3477	225	5	of	of	ADP
fsr-3477	225	6	sample	sample	NOUN
fsr-3477	225	7	by	by	ADP
fsr-3477	225	8	type	type	NOUN
fsr-3477	225	9	of	of	ADP
fsr-3477	225	10	credit	credit	NOUN
fsr-3477	225	11	card	card	NOUN
fsr-3477	225	12	user	user	NOUN
fsr-3477	225	13	type	type	NOUN
fsr-3477	225	14	.	.	PUNCT
fsr-3477	226	1	l.	l.	PROPN
fsr-3477	226	2	c.	c.	PROPN
fsr-3477	226	3	ricaldi	ricaldi	PROPN
fsr-3477	226	4	et	et	PROPN
fsr-3477	226	5	al	al	PROPN
fsr-3477	226	6	.	.	PUNCT
fsr-3477	226	7	/	/	SYM
fsr-3477	226	8	financial	financial	ADJ
fsr-3477	226	9	services	service	NOUN
fsr-3477	226	10	review	review	VERB
fsr-3477	226	11	30	30	NUM
fsr-3477	226	12	(	(	PUNCT
fsr-3477	226	13	2022	2022	NUM
fsr-3477	226	14	)	)	PUNCT
fsr-3477	226	15	107–124	107–124	NUM
fsr-3477	226	16	115	115	NUM
fsr-3477	226	17	reference	reference	NOUN
fsr-3477	226	18	for	for	ADP
fsr-3477	226	19	the	the	DET
fsr-3477	226	20	mlr	mlr	NOUN
fsr-3477	226	21	models	model	NOUN
fsr-3477	226	22	discussed	discuss	VERB
fsr-3477	226	23	.	.	PUNCT
fsr-3477	227	1	all	all	DET
fsr-3477	227	2	four	four	NUM
fsr-3477	227	3	concepts	concept	NOUN
fsr-3477	227	4	provide	provide	VERB
fsr-3477	227	5	some	some	DET
fsr-3477	227	6	value	value	NOUN
fsr-3477	227	7	in	in	ADP
fsr-3477	227	8	explaining	explain	VERB
fsr-3477	227	9	an	an	DET
fsr-3477	227	10	individual	individual	NOUN
fsr-3477	227	11	’s	’s	PART
fsr-3477	227	12	approach	approach	NOUN
fsr-3477	227	13	to	to	ADP
fsr-3477	227	14	credit	credit	NOUN
fsr-3477	227	15	card	card	NOUN
fsr-3477	227	16	use	use	NOUN
fsr-3477	227	17	.	.	PUNCT
fsr-3477	228	1	from	from	ADP
fsr-3477	228	2	specification	specification	NOUN
fsr-3477	228	3	a	a	PRON
fsr-3477	228	4	,	,	PUNCT
fsr-3477	228	5	we	we	PRON
fsr-3477	228	6	see	see	VERB
fsr-3477	228	7	the	the	DET
fsr-3477	228	8	impact	impact	NOUN
fsr-3477	228	9	of	of	ADP
fsr-3477	228	10	only	only	ADJ
fsr-3477	228	11	human	human	ADJ
fsr-3477	228	12	capital	capital	NOUN
fsr-3477	228	13	on	on	ADP
fsr-3477	228	14	the	the	DET
fsr-3477	228	15	estimation	estimation	NOUN
fsr-3477	228	16	of	of	ADP
fsr-3477	228	17	the	the	DET
fsr-3477	228	18	likelihood	likelihood	NOUN
fsr-3477	228	19	of	of	ADP
fsr-3477	228	20	choosing	choose	VERB
fsr-3477	228	21	between	between	ADP
fsr-3477	228	22	the	the	DET
fsr-3477	228	23	three	three	NUM
fsr-3477	228	24	types	type	NOUN
fsr-3477	228	25	of	of	ADP
fsr-3477	228	26	credit	credit	NOUN
fsr-3477	228	27	card	card	NOUN
fsr-3477	228	28	use	use	NOUN
fsr-3477	228	29	.	.	PUNCT
fsr-3477	229	1	in	in	ADP
fsr-3477	229	2	comparison	comparison	NOUN
fsr-3477	229	3	to	to	ADP
fsr-3477	229	4	convenience	convenience	NOUN
fsr-3477	229	5	users	user	NOUN
fsr-3477	229	6	,	,	PUNCT
fsr-3477	229	7	financially	financially	ADV
fsr-3477	229	8	literate	literate	ADJ
fsr-3477	229	9	individuals	individual	NOUN
fsr-3477	229	10	46	46	NUM
fsr-3477	229	11	%	%	NOUN
fsr-3477	229	12	less	less	ADV
fsr-3477	229	13	likely	likely	ADJ
fsr-3477	229	14	to	to	PART
fsr-3477	229	15	be	be	AUX
fsr-3477	229	16	solvent	solvent	ADJ
fsr-3477	229	17	revolvers	revolver	NOUN
fsr-3477	229	18	and	and	CCONJ
fsr-3477	229	19	54	54	NUM
fsr-3477	229	20	%	%	NOUN
fsr-3477	229	21	less	less	ADV
fsr-3477	229	22	likely	likely	ADJ
fsr-3477	229	23	to	to	PART
fsr-3477	229	24	be	be	AUX
fsr-3477	229	25	in	in	ADP
fsr-3477	229	26	insolvent	insolvent	ADJ
fsr-3477	229	27	revolvers	revolver	NOUN
fsr-3477	229	28	.	.	PUNCT
fsr-3477	230	1	similarly	similarly	ADV
fsr-3477	230	2	,	,	PUNCT
fsr-3477	230	3	college	college	NOUN
fsr-3477	230	4	graduates	graduate	NOUN
fsr-3477	230	5	with	with	ADP
fsr-3477	230	6	at	at	ADV
fsr-3477	230	7	least	least	ADJ
fsr-3477	230	8	a	a	DET
fsr-3477	230	9	bachelor	bachelor	NOUN
fsr-3477	230	10	’s	’s	PART
fsr-3477	230	11	degree	degree	NOUN
fsr-3477	230	12	are	be	AUX
fsr-3477	230	13	58	58	NUM
fsr-3477	230	14	%	%	NOUN
fsr-3477	230	15	less	less	ADV
fsr-3477	230	16	likely	likely	ADJ
fsr-3477	230	17	to	to	PART
fsr-3477	230	18	be	be	AUX
fsr-3477	230	19	either	either	CCONJ
fsr-3477	230	20	solvent	solvent	ADJ
fsr-3477	230	21	or	or	CCONJ
fsr-3477	230	22	insolvent	insolvent	ADJ
fsr-3477	230	23	revolvers	revolver	NOUN
fsr-3477	230	24	.	.	PUNCT
fsr-3477	231	1	in	in	ADP
fsr-3477	231	2	specification	specification	NOUN
fsr-3477	231	3	b	b	NOUN
fsr-3477	231	4	,	,	PUNCT
fsr-3477	231	5	we	we	PRON
fsr-3477	231	6	consider	consider	VERB
fsr-3477	231	7	mental	mental	ADJ
fsr-3477	231	8	accounting	accounting	NOUN
fsr-3477	231	9	factors	factor	NOUN
fsr-3477	231	10	in	in	ADP
fsr-3477	231	11	our	our	PRON
fsr-3477	231	12	estimation	estimation	NOUN
fsr-3477	231	13	.	.	PUNCT
fsr-3477	232	1	financially	financially	ADV
fsr-3477	232	2	literate	literate	ADJ
fsr-3477	232	3	individuals	individual	NOUN
fsr-3477	232	4	remain	remain	VERB
fsr-3477	232	5	less	less	ADV
fsr-3477	232	6	likely	likely	ADJ
fsr-3477	232	7	than	than	ADP
fsr-3477	232	8	not	not	PART
fsr-3477	232	9	financial	financial	ADJ
fsr-3477	232	10	literate	literate	ADJ
fsr-3477	232	11	individuals	individual	NOUN
fsr-3477	232	12	to	to	PART
fsr-3477	232	13	be	be	AUX
fsr-3477	232	14	solvent	solvent	ADJ
fsr-3477	232	15	and	and	CCONJ
fsr-3477	232	16	insolvent	insolvent	ADJ
fsr-3477	232	17	revolvers	revolver	NOUN
fsr-3477	232	18	of	of	ADP
fsr-3477	232	19	credit	credit	NOUN
fsr-3477	232	20	card	card	NOUN
fsr-3477	232	21	debt	debt	NOUN
fsr-3477	232	22	,	,	PUNCT
fsr-3477	232	23	42	42	NUM
fsr-3477	232	24	%	%	NOUN
fsr-3477	232	25	and	and	CCONJ
fsr-3477	232	26	39	39	NUM
fsr-3477	232	27	%	%	NOUN
fsr-3477	232	28	,	,	PUNCT
fsr-3477	232	29	respectively	respectively	ADV
fsr-3477	232	30	.	.	PUNCT
fsr-3477	233	1	turning	turn	VERB
fsr-3477	233	2	to	to	ADP
fsr-3477	233	3	mental	mental	ADJ
fsr-3477	233	4	accounting	accounting	NOUN
fsr-3477	233	5	factors	factor	NOUN
fsr-3477	233	6	,	,	PUNCT
fsr-3477	233	7	we	we	PRON
fsr-3477	233	8	see	see	VERB
fsr-3477	233	9	statistical	statistical	ADJ
fsr-3477	233	10	significance	significance	NOUN
fsr-3477	233	11	from	from	ADP
fsr-3477	233	12	five	five	NUM
fsr-3477	233	13	of	of	ADP
fsr-3477	233	14	our	our	PRON
fsr-3477	233	15	six	six	NUM
fsr-3477	233	16	factors	factor	NOUN
fsr-3477	233	17	.	.	PUNCT
fsr-3477	234	1	respondents	respondent	NOUN
fsr-3477	234	2	with	with	ADP
fsr-3477	234	3	an	an	DET
fsr-3477	234	4	emergency	emergency	NOUN
fsr-3477	234	5	fund	fund	NOUN
fsr-3477	234	6	,	,	PUNCT
fsr-3477	234	7	are	be	AUX
fsr-3477	234	8	45	45	NUM
fsr-3477	234	9	%	%	NOUN
fsr-3477	234	10	less	less	ADV
fsr-3477	234	11	likely	likely	ADJ
fsr-3477	234	12	to	to	PART
fsr-3477	234	13	be	be	AUX
fsr-3477	234	14	a	a	DET
fsr-3477	234	15	solvent	solvent	ADJ
fsr-3477	234	16	revolver	revolver	NOUN
fsr-3477	234	17	and	and	CCONJ
fsr-3477	234	18	80	80	NUM
fsr-3477	234	19	%	%	NOUN
fsr-3477	234	20	less	less	ADV
fsr-3477	234	21	likely	likely	ADJ
fsr-3477	234	22	to	to	PART
fsr-3477	234	23	be	be	AUX
fsr-3477	234	24	an	an	DET
fsr-3477	234	25	insolvent	insolvent	ADJ
fsr-3477	234	26	revolver	revolver	NOUN
fsr-3477	234	27	when	when	SCONJ
fsr-3477	234	28	compared	compare	VERB
fsr-3477	234	29	with	with	ADP
fsr-3477	234	30	a	a	DET
fsr-3477	234	31	convenience	convenience	NOUN
fsr-3477	234	32	use	use	NOUN
fsr-3477	234	33	.	.	PUNCT
fsr-3477	235	1	we	we	PRON
fsr-3477	235	2	observe	observe	VERB
fsr-3477	235	3	a	a	DET
fsr-3477	235	4	similar	similar	ADJ
fsr-3477	235	5	trend	trend	NOUN
fsr-3477	235	6	among	among	ADP
fsr-3477	235	7	the	the	DET
fsr-3477	235	8	self	self	NOUN
fsr-3477	235	9	-	-	PUNCT
fsr-3477	235	10	employed	employ	VERB
fsr-3477	235	11	respondents	respondent	NOUN
fsr-3477	235	12	as	as	SCONJ
fsr-3477	235	13	they	they	PRON
fsr-3477	235	14	are	be	AUX
fsr-3477	235	15	32	32	NUM
fsr-3477	235	16	%	%	NOUN
fsr-3477	235	17	less	less	ADV
fsr-3477	235	18	likely	likely	ADJ
fsr-3477	235	19	to	to	PART
fsr-3477	235	20	be	be	AUX
fsr-3477	235	21	a	a	DET
fsr-3477	235	22	solvent	solvent	ADJ
fsr-3477	235	23	revolver	revolver	NOUN
fsr-3477	235	24	and	and	CCONJ
fsr-3477	235	25	52	52	NUM
fsr-3477	235	26	%	%	NOUN
fsr-3477	235	27	less	less	ADV
fsr-3477	235	28	likely	likely	ADJ
fsr-3477	235	29	to	to	PART
fsr-3477	235	30	be	be	AUX
fsr-3477	235	31	an	an	DET
fsr-3477	235	32	insolvent	insolvent	ADJ
fsr-3477	235	33	revolver	revolver	NOUN
fsr-3477	235	34	relative	relative	NOUN
fsr-3477	235	35	to	to	ADP
fsr-3477	235	36	convenience	convenience	NOUN
fsr-3477	235	37	users	user	NOUN
fsr-3477	235	38	who	who	PRON
fsr-3477	235	39	are	be	AUX
fsr-3477	235	40	not	not	PART
fsr-3477	235	41	self	self	NOUN
fsr-3477	235	42	-	-	PUNCT
fsr-3477	235	43	employed	employ	VERB
fsr-3477	235	44	.	.	PUNCT
fsr-3477	236	1	mixed	mixed	ADJ
fsr-3477	236	2	results	result	NOUN
fsr-3477	236	3	are	be	AUX
fsr-3477	236	4	observed	observe	VERB
fsr-3477	236	5	for	for	SCONJ
fsr-3477	236	6	those	those	PRON
fsr-3477	236	7	who	who	PRON
fsr-3477	236	8	own	own	VERB
fsr-3477	236	9	liquid	liquid	ADJ
fsr-3477	236	10	accounts	account	NOUN
fsr-3477	236	11	,	,	PUNCT
fsr-3477	236	12	can	can	AUX
fsr-3477	236	13	borrow	borrow	VERB
fsr-3477	236	14	,	,	PUNCT
fsr-3477	236	15	and	and	CCONJ
fsr-3477	236	16	save	save	VERB
fsr-3477	236	17	for	for	ADP
fsr-3477	236	18	unemployment	unemployment	NOUN
fsr-3477	236	19	.	.	PUNCT
fsr-3477	237	1	for	for	ADP
fsr-3477	237	2	example	example	NOUN
fsr-3477	237	3	,	,	PUNCT
fsr-3477	237	4	among	among	ADP
fsr-3477	237	5	respondents	respondent	NOUN
fsr-3477	237	6	with	with	ADP
fsr-3477	237	7	fig	fig	NOUN
fsr-3477	237	8	.	.	PUNCT
fsr-3477	238	1	2	2	X
fsr-3477	238	2	.	.	X
fsr-3477	238	3	presents	present	VERB
fsr-3477	238	4	a	a	DET
fsr-3477	238	5	pie	pie	NOUN
fsr-3477	238	6	chart	chart	NOUN
fsr-3477	238	7	that	that	PRON
fsr-3477	238	8	shows	show	VERB
fsr-3477	238	9	the	the	DET
fsr-3477	238	10	distribution	distribution	NOUN
fsr-3477	238	11	of	of	ADP
fsr-3477	238	12	the	the	DET
fsr-3477	238	13	sample	sample	NOUN
fsr-3477	238	14	by	by	ADP
fsr-3477	238	15	the	the	DET
fsr-3477	238	16	number	number	NOUN
fsr-3477	238	17	of	of	ADP
fsr-3477	238	18	financial	financial	ADJ
fsr-3477	238	19	literacy	literacy	NOUN
fsr-3477	238	20	questions	question	NOUN
fsr-3477	238	21	that	that	PRON
fsr-3477	238	22	were	be	AUX
fsr-3477	238	23	correct	correct	ADJ
fsr-3477	238	24	.	.	PUNCT
fsr-3477	239	1	fig	fig	NOUN
fsr-3477	239	2	.	.	PUNCT
fsr-3477	240	1	3	3	X
fsr-3477	240	2	.	.	NOUN
fsr-3477	240	3	separates	separate	VERB
fsr-3477	240	4	the	the	DET
fsr-3477	240	5	credit	credit	NOUN
fsr-3477	240	6	user	user	NOUN
fsr-3477	240	7	group	group	NOUN
fsr-3477	240	8	by	by	ADP
fsr-3477	240	9	financially	financially	ADV
fsr-3477	240	10	literate	literate	ADJ
fsr-3477	240	11	or	or	CCONJ
fsr-3477	240	12	not	not	PART
fsr-3477	240	13	financially	financially	ADV
fsr-3477	240	14	literate	literate	ADJ
fsr-3477	240	15	.	.	PUNCT
fsr-3477	241	1	116	116	NUM
fsr-3477	241	2	l.	l.	PROPN
fsr-3477	241	3	c.	c.	PROPN
fsr-3477	241	4	ricaldi	ricaldi	PROPN
fsr-3477	241	5	et	et	PROPN
fsr-3477	241	6	al	al	PROPN
fsr-3477	241	7	.	.	PUNCT
fsr-3477	241	8	/	/	SYM
fsr-3477	241	9	financial	financial	ADJ
fsr-3477	241	10	services	service	NOUN
fsr-3477	241	11	review	review	VERB
fsr-3477	241	12	30	30	NUM
fsr-3477	241	13	(	(	PUNCT
fsr-3477	241	14	2022	2022	NUM
fsr-3477	241	15	)	)	PUNCT
fsr-3477	242	1	107–124	107–124	NUM
fsr-3477	242	2	the	the	DET
fsr-3477	242	3	ability	ability	NOUN
fsr-3477	242	4	to	to	PART
fsr-3477	242	5	borrow	borrow	VERB
fsr-3477	242	6	,	,	PUNCT
fsr-3477	242	7	we	we	PRON
fsr-3477	242	8	estimate	estimate	VERB
fsr-3477	242	9	a	a	DET
fsr-3477	242	10	66	66	NUM
fsr-3477	242	11	%	%	NOUN
fsr-3477	242	12	increase	increase	NOUN
fsr-3477	242	13	in	in	ADP
fsr-3477	242	14	the	the	DET
fsr-3477	242	15	likelihood	likelihood	NOUN
fsr-3477	242	16	of	of	ADP
fsr-3477	242	17	being	be	AUX
fsr-3477	242	18	an	an	DET
fsr-3477	242	19	insolvent	insolvent	ADJ
fsr-3477	242	20	revolver	revolver	NOUN
fsr-3477	242	21	but	but	CCONJ
fsr-3477	242	22	no	no	DET
fsr-3477	242	23	statistical	statistical	ADJ
fsr-3477	242	24	difference	difference	NOUN
fsr-3477	242	25	in	in	ADP
fsr-3477	242	26	being	be	AUX
fsr-3477	242	27	a	a	DET
fsr-3477	242	28	solvent	solvent	NOUN
fsr-3477	242	29	revolver	revolver	NOUN
fsr-3477	242	30	when	when	SCONJ
fsr-3477	242	31	compared	compare	VERB
fsr-3477	242	32	with	with	ADP
fsr-3477	242	33	convenience	convenience	NOUN
fsr-3477	242	34	user	user	NOUN
fsr-3477	242	35	who	who	PRON
fsr-3477	242	36	could	could	AUX
fsr-3477	242	37	not	not	PART
fsr-3477	242	38	borrow	borrow	VERB
fsr-3477	242	39	from	from	ADP
fsr-3477	242	40	a	a	DET
fsr-3477	242	41	relative	relative	NOUN
fsr-3477	242	42	.	.	PUNCT
fsr-3477	243	1	as	as	ADP
fsr-3477	243	2	another	another	DET
fsr-3477	243	3	example	example	NOUN
fsr-3477	243	4	,	,	PUNCT
fsr-3477	243	5	liquidity	liquidity	NOUN
fsr-3477	243	6	plays	play	VERB
fsr-3477	243	7	an	an	DET
fsr-3477	243	8	interesting	interesting	ADJ
fsr-3477	243	9	role	role	NOUN
fsr-3477	243	10	on	on	ADP
fsr-3477	243	11	the	the	DET
fsr-3477	243	12	impact	impact	NOUN
fsr-3477	243	13	of	of	ADP
fsr-3477	243	14	credit	credit	NOUN
fsr-3477	243	15	card	card	NOUN
fsr-3477	243	16	user	user	NOUN
fsr-3477	243	17	type	type	NOUN
fsr-3477	243	18	.	.	PUNCT
fsr-3477	244	1	owning	own	VERB
fsr-3477	244	2	a	a	DET
fsr-3477	244	3	liquid	liquid	ADJ
fsr-3477	244	4	account	account	NOUN
fsr-3477	244	5	result	result	NOUN
fsr-3477	244	6	in	in	ADP
fsr-3477	244	7	a	a	DET
fsr-3477	244	8	50	50	NUM
fsr-3477	244	9	%	%	NOUN
fsr-3477	244	10	increase	increase	NOUN
fsr-3477	244	11	in	in	ADP
fsr-3477	244	12	the	the	DET
fsr-3477	244	13	likelihood	likelihood	NOUN
fsr-3477	244	14	of	of	ADP
fsr-3477	244	15	being	be	AUX
fsr-3477	244	16	a	a	DET
fsr-3477	244	17	solvent	solvent	NOUN
fsr-3477	244	18	revolver	revolver	NOUN
fsr-3477	244	19	,	,	PUNCT
fsr-3477	244	20	but	but	CCONJ
fsr-3477	244	21	a	a	DET
fsr-3477	244	22	36	36	NUM
fsr-3477	244	23	%	%	NOUN
fsr-3477	244	24	decrease	decrease	NOUN
fsr-3477	244	25	in	in	ADP
fsr-3477	244	26	the	the	DET
fsr-3477	244	27	likelihood	likelihood	NOUN
fsr-3477	244	28	of	of	ADP
fsr-3477	244	29	being	be	AUX
fsr-3477	244	30	an	an	DET
fsr-3477	244	31	insolvent	insolvent	ADJ
fsr-3477	244	32	revolver	revolver	NOUN
fsr-3477	244	33	relative	relative	NOUN
fsr-3477	244	34	to	to	AUX
fsr-3477	244	35	convenience	convenience	VERB
fsr-3477	244	36	users	user	NOUN
fsr-3477	244	37	that	that	PRON
fsr-3477	244	38	did	do	AUX
fsr-3477	244	39	not	not	PART
fsr-3477	244	40	own	own	VERB
fsr-3477	244	41	liquid	liquid	ADJ
fsr-3477	244	42	accounts	account	NOUN
fsr-3477	244	43	.	.	PUNCT
fsr-3477	245	1	table	table	NOUN
fsr-3477	245	2	1a	1a	PROPN
fsr-3477	245	3	frequencies	frequency	NOUN
fsr-3477	245	4	of	of	ADP
fsr-3477	245	5	independent	independent	ADJ
fsr-3477	245	6	variables	variable	NOUN
fsr-3477	245	7	(	(	PUNCT
fsr-3477	245	8	full	full	ADJ
fsr-3477	245	9	sample	sample	NOUN
fsr-3477	245	10	and	and	CCONJ
fsr-3477	245	11	by	by	ADP
fsr-3477	245	12	credit	credit	NOUN
fsr-3477	245	13	user	user	NOUN
fsr-3477	245	14	group	group	NOUN
fsr-3477	245	15	)	)	PUNCT
fsr-3477	245	16	full	full	ADJ
fsr-3477	245	17	sample	sample	NOUN
fsr-3477	245	18	(	(	PUNCT
fsr-3477	245	19	%	%	INTJ
fsr-3477	245	20	)	)	PUNCT
fsr-3477	245	21	insolvent	insolvent	ADJ
fsr-3477	245	22	revolver	revolver	NOUN
fsr-3477	245	23	solvent	solvent	NOUN
fsr-3477	245	24	revolver	revolver	NOUN
fsr-3477	245	25	convenience	convenience	NOUN
fsr-3477	245	26	user	user	NOUN
fsr-3477	245	27	human	human	PROPN
fsr-3477	245	28	capital	capital	PROPN
fsr-3477	245	29	financially	financially	ADV
fsr-3477	245	30	literate	literate	ADJ
fsr-3477	245	31	50.00	50.00	NUM
fsr-3477	245	32	42.00	42.00	NUM
fsr-3477	245	33	43.00	43.00	NUM
fsr-3477	245	34	59.00	59.00	NUM
fsr-3477	245	35	college	college	NOUN
fsr-3477	245	36	degree	degree	NOUN
fsr-3477	245	37	43.00	43.00	NUM
fsr-3477	245	38	30.39	30.39	NUM
fsr-3477	245	39	35.23	35.23	NUM
fsr-3477	245	40	54.43	54.43	NUM
fsr-3477	245	41	mental	mental	ADJ
fsr-3477	245	42	accounting	accounting	NOUN
fsr-3477	245	43	/	/	SYM
fsr-3477	245	44	precautionary	precautionary	ADJ
fsr-3477	245	45	savings	saving	NOUN
fsr-3477	245	46	motives	motive	NOUN
fsr-3477	245	47	have	have	VERB
fsr-3477	245	48	emergency	emergency	NOUN
fsr-3477	245	49	fund	fund	NOUN
fsr-3477	245	50	58.40	58.40	NUM
fsr-3477	245	51	30.73	30.73	NUM
fsr-3477	245	52	59.25	59.25	NUM
fsr-3477	245	53	72.36	72.36	NUM
fsr-3477	245	54	saving	save	VERB
fsr-3477	245	55	for	for	ADP
fsr-3477	245	56	unemployment	unemployment	NOUN
fsr-3477	245	57	3.42	3.42	NUM
fsr-3477	245	58	3.45	3.45	NUM
fsr-3477	245	59	3.99	3.99	NUM
fsr-3477	245	60	3.04	3.04	NUM
fsr-3477	245	61	saving	save	VERB
fsr-3477	245	62	for	for	ADP
fsr-3477	245	63	illness	illness	NOUN
fsr-3477	245	64	5.62	5.62	NUM
fsr-3477	246	1	4.80	4.80	NUM
fsr-3477	246	2	6.08	6.08	NUM
fsr-3477	246	3	5.74	5.74	NUM
fsr-3477	246	4	ability	ability	NOUN
fsr-3477	246	5	to	to	PART
fsr-3477	246	6	borrow	borrow	VERB
fsr-3477	246	7	from	from	ADP
fsr-3477	246	8	friends	friend	NOUN
fsr-3477	246	9	/	/	SYM
fsr-3477	246	10	relatives	relative	NOUN
fsr-3477	246	11	27.97	27.97	NUM
fsr-3477	246	12	40.18	40.18	NUM
fsr-3477	246	13	26.43	26.43	NUM
fsr-3477	246	14	22.58	22.58	NUM
fsr-3477	246	15	self	self	NOUN
fsr-3477	246	16	employed	employ	VERB
fsr-3477	246	17	14.71	14.71	NUM
fsr-3477	246	18	11.66	11.66	NUM
fsr-3477	246	19	15.54	15.54	NUM
fsr-3477	246	20	15.76	15.76	NUM
fsr-3477	246	21	have	have	VERB
fsr-3477	246	22	liquid	liquid	ADJ
fsr-3477	246	23	accounts	account	NOUN
fsr-3477	246	24	63.02	63.02	NUM
fsr-3477	246	25	46.70	46.70	NUM
fsr-3477	246	26	70.48	70.48	NUM
fsr-3477	246	27	66.67	66.67	NUM
fsr-3477	246	28	self	self	NOUN
fsr-3477	246	29	-	-	PUNCT
fsr-3477	246	30	control	control	NOUN
fsr-3477	246	31	payment	payment	NOUN
fsr-3477	246	32	history	history	NOUN
fsr-3477	246	33	on	on	ADP
fsr-3477	246	34	time	time	NOUN
fsr-3477	246	35	/	/	SYM
fsr-3477	247	1	no	no	DET
fsr-3477	247	2	payment	payment	NOUN
fsr-3477	247	3	89.25	89.25	NUM
fsr-3477	247	4	79.04	79.04	NUM
fsr-3477	247	5	87.02	87.02	NUM
fsr-3477	247	6	96.07	96.07	NUM
fsr-3477	247	7	behind	behind	ADP
fsr-3477	247	8	10.75	10.75	NUM
fsr-3477	247	9	20.96	20.96	NUM
fsr-3477	247	10	12.98	12.98	NUM
fsr-3477	247	11	3.93	3.93	NUM
fsr-3477	247	12	credit	credit	NOUN
fsr-3477	247	13	attitude	attitude	NOUN
fsr-3477	247	14	positive	positive	ADJ
fsr-3477	247	15	27.35	27.35	NUM
fsr-3477	247	16	27.79	27.79	NUM
fsr-3477	247	17	30.38	30.38	NUM
fsr-3477	247	18	25.2	25.2	NUM
fsr-3477	247	19	ambivalent	ambivalent	ADJ
fsr-3477	247	20	44.38	44.38	NUM
fsr-3477	247	21	45.74	45.74	NUM
fsr-3477	247	22	43.19	43.19	NUM
fsr-3477	247	23	44.45	44.45	NUM
fsr-3477	247	24	negative	negative	ADJ
fsr-3477	247	25	28.24	28.24	NUM
fsr-3477	247	26	26.48	26.48	NUM
fsr-3477	247	27	26.43	26.43	NUM
fsr-3477	247	28	30.35	30.35	NUM
fsr-3477	247	29	bankruptcy	bankruptcy	NOUN
fsr-3477	247	30	history	history	NOUN
fsr-3477	247	31	12.29	12.29	NUM
fsr-3477	247	32	22.07	22.07	NUM
fsr-3477	247	33	15.44	15.44	NUM
fsr-3477	247	34	5.08	5.08	NUM
fsr-3477	247	35	spending	spending	NOUN
fsr-3477	247	36	attitude	attitude	NOUN
fsr-3477	247	37	likely	likely	ADV
fsr-3477	247	38	increase	increase	VERB
fsr-3477	247	39	21.76	21.76	NUM
fsr-3477	247	40	26	26	NUM
fsr-3477	247	41	21.57	21.57	NUM
fsr-3477	247	42	19.67	19.67	NUM
fsr-3477	247	43	unwilling	unwilling	ADJ
fsr-3477	247	44	to	to	PART
fsr-3477	247	45	reduce	reduce	VERB
fsr-3477	247	46	28.58	28.58	NUM
fsr-3477	247	47	25.67	25.67	NUM
fsr-3477	247	48	26.02	26.02	NUM
fsr-3477	247	49	31.81	31.81	NUM
fsr-3477	247	50	lifecycle	lifecycle	NOUN
fsr-3477	247	51	factors	factor	NOUN
fsr-3477	247	52	age	age	NOUN
fsr-3477	247	53	under	under	ADP
fsr-3477	247	54	35	35	NUM
fsr-3477	247	55	18.47	18.47	NUM
fsr-3477	247	56	18.45	18.45	NUM
fsr-3477	247	57	23.12	23.12	NUM
fsr-3477	247	58	15.21	15.21	NUM
fsr-3477	247	59	35	35	NUM
fsr-3477	247	60	to	to	ADP
fsr-3477	247	61	55	55	NUM
fsr-3477	247	62	36.59	36.59	NUM
fsr-3477	247	63	45.53	45.53	NUM
fsr-3477	247	64	40.95	40.95	NUM
fsr-3477	247	65	29.02	29.02	NUM
fsr-3477	247	66	over	over	ADP
fsr-3477	247	67	55	55	NUM
fsr-3477	247	68	44.93	44.93	NUM
fsr-3477	247	69	35.62	35.62	NUM
fsr-3477	247	70	35.92	35.92	NUM
fsr-3477	247	71	55.77	55.77	NUM
fsr-3477	247	72	gender	gender	NOUN
fsr-3477	247	73	male	male	NOUN
fsr-3477	247	74	76.15	76.15	NUM
fsr-3477	247	75	69.73	69.73	NUM
fsr-3477	247	76	75.12	75.12	NUM
fsr-3477	247	77	80.20	80.20	NUM
fsr-3477	247	78	female	female	NOUN
fsr-3477	247	79	23.85	23.85	NUM
fsr-3477	247	80	30.27	30.27	NUM
fsr-3477	247	81	24.88	24.88	NUM
fsr-3477	247	82	19.80	19.80	NUM
fsr-3477	247	83	married	marry	VERB
fsr-3477	247	84	53.99	53.99	NUM
fsr-3477	247	85	48.1	48.1	NUM
fsr-3477	247	86	50.91	50.91	NUM
fsr-3477	247	87	59.12	59.12	NUM
fsr-3477	247	88	race	race	NOUN
fsr-3477	247	89	white	white	X
fsr-3477	247	90	76.51	76.51	NUM
fsr-3477	248	1	70.55	70.55	NUM
fsr-3477	248	2	69.25	69.25	NUM
fsr-3477	248	3	84.43	84.43	NUM
fsr-3477	248	4	black	black	ADJ
fsr-3477	248	5	11.93	11.93	NUM
fsr-3477	248	6	16.02	16.02	NUM
fsr-3477	248	7	18.05	18.05	NUM
fsr-3477	248	8	5.74	5.74	NUM
fsr-3477	248	9	hispanic	hispanic	NOUN
fsr-3477	248	10	9.19	9.19	NUM
fsr-3477	248	11	14.59	14.59	NUM
fsr-3477	248	12	10.80	10.80	NUM
fsr-3477	248	13	5.28	5.28	NUM
fsr-3477	248	14	other	other	ADJ
fsr-3477	248	15	4.51	4.51	NUM
fsr-3477	248	16	2.09	2.09	NUM
fsr-3477	248	17	4.82	4.82	NUM
fsr-3477	248	18	5.59	5.59	NUM
fsr-3477	248	19	note	note	NOUN
fsr-3477	248	20	.	.	PUNCT
fsr-3477	249	1	statistics	statistic	NOUN
fsr-3477	249	2	derived	derive	VERB
fsr-3477	249	3	from	from	ADP
fsr-3477	249	4	weighted	weight	VERB
fsr-3477	249	5	analysis	analysis	NOUN
fsr-3477	249	6	of	of	ADP
fsr-3477	249	7	one	one	NUM
fsr-3477	249	8	implicate	implicate	NOUN
fsr-3477	249	9	.	.	PUNCT
fsr-3477	250	1	source	source	NOUN
fsr-3477	250	2	:	:	PUNCT
fsr-3477	250	3	2016	2016	NUM
fsr-3477	250	4	survey	survey	NOUN
fsr-3477	250	5	of	of	ADP
fsr-3477	250	6	consumer	consumer	NOUN
fsr-3477	250	7	finances	finance	NOUN
fsr-3477	250	8	.	.	PUNCT
fsr-3477	251	1	l.	l.	PROPN
fsr-3477	251	2	c.	c.	PROPN
fsr-3477	251	3	ricaldi	ricaldi	PROPN
fsr-3477	251	4	et	et	PROPN
fsr-3477	251	5	al	al	PROPN
fsr-3477	251	6	.	.	PUNCT
fsr-3477	251	7	/	/	SYM
fsr-3477	251	8	financial	financial	ADJ
fsr-3477	251	9	services	service	NOUN
fsr-3477	251	10	review	review	VERB
fsr-3477	251	11	30	30	NUM
fsr-3477	251	12	(	(	PUNCT
fsr-3477	251	13	2022	2022	NUM
fsr-3477	251	14	)	)	PUNCT
fsr-3477	251	15	107–124	107–124	NUM
fsr-3477	251	16	117	117	NUM
fsr-3477	251	17	specification	specification	NOUN
fsr-3477	251	18	c	c	NOUN
fsr-3477	251	19	highlights	highlight	VERB
fsr-3477	251	20	the	the	DET
fsr-3477	251	21	impact	impact	NOUN
fsr-3477	251	22	of	of	ADP
fsr-3477	251	23	human	human	ADJ
fsr-3477	251	24	capital	capital	NOUN
fsr-3477	251	25	,	,	PUNCT
fsr-3477	251	26	mental	mental	ADJ
fsr-3477	251	27	accounting	accounting	NOUN
fsr-3477	251	28	,	,	PUNCT
fsr-3477	251	29	and	and	CCONJ
fsr-3477	251	30	self	self	NOUN
fsr-3477	251	31	-	-	PUNCT
fsr-3477	251	32	control	control	NOUN
fsr-3477	251	33	concepts	concept	NOUN
fsr-3477	251	34	.	.	PUNCT
fsr-3477	252	1	variables	variable	NOUN
fsr-3477	252	2	in	in	ADP
fsr-3477	252	3	the	the	DET
fsr-3477	252	4	two	two	NUM
fsr-3477	252	5	previous	previous	ADJ
fsr-3477	252	6	concepts	concept	NOUN
fsr-3477	252	7	maintained	maintain	VERB
fsr-3477	252	8	their	their	PRON
fsr-3477	252	9	statistical	statistical	ADJ
fsr-3477	252	10	significance	significance	NOUN
fsr-3477	252	11	with	with	ADP
fsr-3477	252	12	similar	similar	ADJ
fsr-3477	252	13	effect	effect	NOUN
fsr-3477	252	14	as	as	ADP
fsr-3477	252	15	in	in	ADP
fsr-3477	252	16	specification	specification	NOUN
fsr-3477	252	17	b.	b.	PROPN
fsr-3477	252	18	being	be	AUX
fsr-3477	252	19	behind	behind	ADV
fsr-3477	252	20	on	on	ADP
fsr-3477	252	21	payments	payment	NOUN
fsr-3477	252	22	and	and	CCONJ
fsr-3477	252	23	a	a	DET
fsr-3477	252	24	record	record	NOUN
fsr-3477	252	25	of	of	ADP
fsr-3477	252	26	bankruptcy	bankruptcy	NOUN
fsr-3477	252	27	all	all	PRON
fsr-3477	252	28	increase	increase	VERB
fsr-3477	252	29	the	the	DET
fsr-3477	252	30	likelihood	likelihood	NOUN
fsr-3477	252	31	of	of	ADP
fsr-3477	252	32	being	be	AUX
fsr-3477	252	33	both	both	CCONJ
fsr-3477	252	34	a	a	DET
fsr-3477	252	35	solvent	solvent	ADJ
fsr-3477	252	36	and	and	CCONJ
fsr-3477	252	37	insolvent	insolvent	ADJ
fsr-3477	252	38	revolver	revolver	NOUN
fsr-3477	252	39	when	when	SCONJ
fsr-3477	252	40	compared	compare	VERB
fsr-3477	252	41	with	with	ADP
fsr-3477	252	42	convenience	convenience	NOUN
fsr-3477	252	43	users	user	NOUN
fsr-3477	252	44	with	with	ADP
fsr-3477	252	45	opposite	opposite	ADJ
fsr-3477	252	46	characteristics	characteristic	NOUN
fsr-3477	252	47	.	.	PUNCT
fsr-3477	253	1	respondents	respondent	NOUN
fsr-3477	253	2	with	with	ADP
fsr-3477	253	3	delinquent	delinquent	ADJ
fsr-3477	253	4	accounts	account	NOUN
fsr-3477	253	5	are	be	AUX
fsr-3477	253	6	more	more	ADV
fsr-3477	253	7	likely	likely	ADJ
fsr-3477	253	8	to	to	PART
fsr-3477	253	9	be	be	AUX
fsr-3477	253	10	230	230	NUM
fsr-3477	253	11	%	%	NOUN
fsr-3477	253	12	and	and	CCONJ
fsr-3477	253	13	344	344	NUM
fsr-3477	253	14	%	%	NOUN
fsr-3477	253	15	more	more	ADV
fsr-3477	253	16	likely	likely	ADJ
fsr-3477	253	17	to	to	PART
fsr-3477	253	18	be	be	AUX
fsr-3477	253	19	solvent	solvent	ADJ
fsr-3477	253	20	revolvers	revolver	NOUN
fsr-3477	253	21	and	and	CCONJ
fsr-3477	253	22	insolvent	insolvent	ADJ
fsr-3477	253	23	revolvers	revolver	NOUN
fsr-3477	253	24	respectively	respectively	ADV
fsr-3477	253	25	in	in	ADP
fsr-3477	253	26	comparison	comparison	NOUN
fsr-3477	253	27	to	to	ADP
fsr-3477	253	28	respondents	respondent	NOUN
fsr-3477	253	29	reporting	report	VERB
fsr-3477	253	30	no	no	DET
fsr-3477	253	31	delinquencies	delinquency	NOUN
fsr-3477	253	32	.	.	PUNCT
fsr-3477	254	1	respondents	respondent	NOUN
fsr-3477	254	2	that	that	PRON
fsr-3477	254	3	reported	report	VERB
fsr-3477	254	4	bankruptcy	bankruptcy	NOUN
fsr-3477	254	5	were	be	AUX
fsr-3477	254	6	203	203	NUM
fsr-3477	254	7	%	%	NOUN
fsr-3477	254	8	more	more	ADV
fsr-3477	254	9	likely	likely	ADJ
fsr-3477	254	10	to	to	PART
fsr-3477	254	11	be	be	AUX
fsr-3477	254	12	a	a	DET
fsr-3477	254	13	solvent	solvent	ADJ
fsr-3477	254	14	revolver	revolver	NOUN
fsr-3477	254	15	and	and	CCONJ
fsr-3477	254	16	284	284	NUM
fsr-3477	254	17	%	%	NOUN
fsr-3477	254	18	more	more	ADV
fsr-3477	254	19	likely	likely	ADJ
fsr-3477	254	20	to	to	PART
fsr-3477	254	21	be	be	AUX
fsr-3477	254	22	an	an	DET
fsr-3477	254	23	insolvent	insolvent	ADJ
fsr-3477	254	24	revolver	revolver	NOUN
fsr-3477	254	25	compared	compare	VERB
fsr-3477	254	26	with	with	ADP
fsr-3477	254	27	respondents	respondent	NOUN
fsr-3477	254	28	who	who	PRON
fsr-3477	254	29	never	never	ADV
fsr-3477	254	30	filed	file	VERB
fsr-3477	254	31	for	for	ADP
fsr-3477	254	32	bankruptcy	bankruptcy	NOUN
fsr-3477	254	33	.	.	PUNCT
fsr-3477	255	1	households	household	NOUN
fsr-3477	255	2	whose	whose	DET
fsr-3477	255	3	assets	asset	NOUN
fsr-3477	255	4	reduced	reduce	VERB
fsr-3477	255	5	in	in	ADP
fsr-3477	255	6	value	value	NOUN
fsr-3477	255	7	and	and	CCONJ
fsr-3477	255	8	refused	refuse	VERB
fsr-3477	255	9	to	to	PART
fsr-3477	255	10	decrease	decrease	VERB
fsr-3477	255	11	their	their	PRON
fsr-3477	255	12	spending	spending	NOUN
fsr-3477	255	13	were	be	AUX
fsr-3477	255	14	21	21	NUM
fsr-3477	255	15	%	%	NOUN
fsr-3477	255	16	and	and	CCONJ
fsr-3477	255	17	22	22	NUM
fsr-3477	255	18	%	%	NOUN
fsr-3477	255	19	less	less	ADV
fsr-3477	255	20	likely	likely	ADJ
fsr-3477	255	21	to	to	PART
fsr-3477	255	22	be	be	AUX
fsr-3477	255	23	a	a	DET
fsr-3477	255	24	solvent	solvent	ADJ
fsr-3477	255	25	or	or	CCONJ
fsr-3477	255	26	insolvent	insolvent	ADJ
fsr-3477	255	27	revolvers	revolver	NOUN
fsr-3477	255	28	when	when	SCONJ
fsr-3477	255	29	compared	compare	VERB
fsr-3477	255	30	with	with	ADP
fsr-3477	255	31	convenience	convenience	NOUN
fsr-3477	255	32	users	user	NOUN
fsr-3477	255	33	whose	whose	DET
fsr-3477	255	34	assets	asset	NOUN
fsr-3477	255	35	did	do	AUX
fsr-3477	255	36	not	not	PART
fsr-3477	255	37	decrease	decrease	VERB
fsr-3477	255	38	.	.	PUNCT
fsr-3477	256	1	in	in	ADP
fsr-3477	256	2	final	final	ADJ
fsr-3477	256	3	mlr	mlr	PROPN
fsr-3477	256	4	model	model	NOUN
fsr-3477	256	5	estimation	estimation	PROPN
fsr-3477	256	6	,	,	PUNCT
fsr-3477	256	7	we	we	PRON
fsr-3477	256	8	include	include	VERB
fsr-3477	256	9	all	all	DET
fsr-3477	256	10	four	four	NUM
fsr-3477	256	11	concepts	concept	NOUN
fsr-3477	256	12	to	to	PART
fsr-3477	256	13	estimate	estimate	VERB
fsr-3477	256	14	the	the	DET
fsr-3477	256	15	impact	impact	NOUN
fsr-3477	256	16	on	on	ADP
fsr-3477	256	17	the	the	DET
fsr-3477	256	18	dependent	dependent	ADJ
fsr-3477	256	19	variables	variable	NOUN
fsr-3477	256	20	.	.	PUNCT
fsr-3477	257	1	by	by	ADP
fsr-3477	257	2	adding	add	VERB
fsr-3477	257	3	lifestyle	lifestyle	NOUN
fsr-3477	257	4	factor	factor	NOUN
fsr-3477	257	5	variables	variable	NOUN
fsr-3477	257	6	,	,	PUNCT
fsr-3477	257	7	we	we	PRON
fsr-3477	257	8	observe	observe	VERB
fsr-3477	257	9	notable	notable	ADJ
fsr-3477	257	10	changes	change	NOUN
fsr-3477	257	11	in	in	ADP
fsr-3477	257	12	the	the	DET
fsr-3477	257	13	effect	effect	NOUN
fsr-3477	257	14	of	of	ADP
fsr-3477	257	15	being	be	AUX
fsr-3477	257	16	financially	financially	ADV
fsr-3477	257	17	literate	literate	ADJ
fsr-3477	257	18	,	,	PUNCT
fsr-3477	257	19	could	could	AUX
fsr-3477	257	20	borrow	borrow	VERB
fsr-3477	257	21	,	,	PUNCT
fsr-3477	257	22	being	be	AUX
fsr-3477	257	23	self	self	NOUN
fsr-3477	257	24	-	-	PUNCT
fsr-3477	257	25	employed	employ	VERB
fsr-3477	257	26	,	,	PUNCT
fsr-3477	257	27	and	and	CCONJ
fsr-3477	257	28	who	who	PRON
fsr-3477	257	29	were	be	AUX
fsr-3477	257	30	unwilling	unwilling	ADJ
fsr-3477	257	31	to	to	PART
fsr-3477	257	32	reduce	reduce	VERB
fsr-3477	257	33	spending	spending	NOUN
fsr-3477	257	34	even	even	ADV
fsr-3477	257	35	after	after	SCONJ
fsr-3477	257	36	asset	asset	NOUN
fsr-3477	257	37	values	value	NOUN
fsr-3477	257	38	declined	decline	VERB
fsr-3477	257	39	.	.	PUNCT
fsr-3477	258	1	as	as	ADP
fsr-3477	258	2	an	an	DET
fsr-3477	258	3	illustration	illustration	NOUN
fsr-3477	258	4	,	,	PUNCT
fsr-3477	258	5	we	we	PRON
fsr-3477	258	6	comment	comment	VERB
fsr-3477	258	7	on	on	ADP
fsr-3477	258	8	the	the	DET
fsr-3477	258	9	impact	impact	NOUN
fsr-3477	258	10	of	of	ADP
fsr-3477	258	11	being	be	AUX
fsr-3477	258	12	financially	financially	ADV
fsr-3477	258	13	literate	literate	ADJ
fsr-3477	258	14	.	.	PUNCT
fsr-3477	259	1	households	household	NOUN
fsr-3477	259	2	who	who	PRON
fsr-3477	259	3	were	be	AUX
fsr-3477	259	4	able	able	ADJ
fsr-3477	259	5	to	to	PART
fsr-3477	259	6	answer	answer	VERB
fsr-3477	259	7	all	all	DET
fsr-3477	259	8	the	the	DET
fsr-3477	259	9	financial	financial	ADJ
fsr-3477	259	10	questions	question	NOUN
fsr-3477	259	11	correctly	correctly	ADV
fsr-3477	259	12	were	be	AUX
fsr-3477	259	13	now	now	ADV
fsr-3477	259	14	only	only	ADV
fsr-3477	259	15	18	18	NUM
fsr-3477	259	16	%	%	NOUN
fsr-3477	259	17	less	less	ADV
fsr-3477	259	18	likely	likely	ADJ
fsr-3477	259	19	to	to	PART
fsr-3477	259	20	be	be	AUX
fsr-3477	259	21	a	a	DET
fsr-3477	259	22	solvent	solvent	ADJ
fsr-3477	259	23	revolver	revolver	NOUN
fsr-3477	259	24	compared	compare	VERB
fsr-3477	259	25	with	with	ADP
fsr-3477	259	26	convenience	convenience	NOUN
fsr-3477	259	27	users	user	NOUN
fsr-3477	259	28	who	who	PRON
fsr-3477	259	29	were	be	AUX
fsr-3477	259	30	not	not	PART
fsr-3477	259	31	financially	financially	ADV
fsr-3477	259	32	literate	literate	ADJ
fsr-3477	259	33	.	.	PUNCT
fsr-3477	260	1	moreover	moreover	ADV
fsr-3477	260	2	,	,	PUNCT
fsr-3477	260	3	there	there	PRON
fsr-3477	260	4	was	be	VERB
fsr-3477	260	5	no	no	DET
fsr-3477	260	6	statistically	statistically	ADV
fsr-3477	260	7	significant	significant	ADJ
fsr-3477	260	8	difference	difference	NOUN
fsr-3477	260	9	in	in	ADP
fsr-3477	260	10	being	be	AUX
fsr-3477	260	11	an	an	DET
fsr-3477	260	12	insolvent	insolvent	ADJ
fsr-3477	260	13	revolver	revolver	NOUN
fsr-3477	260	14	compared	compare	VERB
fsr-3477	260	15	with	with	ADP
fsr-3477	260	16	convenience	convenience	NOUN
fsr-3477	260	17	users	user	NOUN
fsr-3477	260	18	who	who	PRON
fsr-3477	260	19	were	be	AUX
fsr-3477	260	20	not	not	PART
fsr-3477	260	21	financially	financially	ADV
fsr-3477	260	22	literate	literate	ADJ
fsr-3477	260	23	.	.	PUNCT
fsr-3477	261	1	of	of	ADP
fsr-3477	261	2	the	the	DET
fsr-3477	261	3	lifestyle	lifestyle	NOUN
fsr-3477	261	4	factors	factor	NOUN
fsr-3477	261	5	included	include	VERB
fsr-3477	261	6	in	in	ADP
fsr-3477	261	7	our	our	PRON
fsr-3477	261	8	analysis	analysis	NOUN
fsr-3477	261	9	,	,	PUNCT
fsr-3477	261	10	we	we	PRON
fsr-3477	261	11	observe	observe	VERB
fsr-3477	261	12	the	the	DET
fsr-3477	261	13	following	follow	VERB
fsr-3477	261	14	results	result	NOUN
fsr-3477	261	15	.	.	PUNCT
fsr-3477	262	1	in	in	ADP
fsr-3477	262	2	comparison	comparison	NOUN
fsr-3477	262	3	to	to	ADP
fsr-3477	262	4	respondents	respondent	NOUN
fsr-3477	262	5	34	34	NUM
fsr-3477	262	6	years	year	NOUN
fsr-3477	262	7	and	and	CCONJ
fsr-3477	262	8	younger	young	ADJ
fsr-3477	262	9	,	,	PUNCT
fsr-3477	262	10	older	old	ADJ
fsr-3477	262	11	respondents	respondent	NOUN
fsr-3477	262	12	,	,	PUNCT
fsr-3477	262	13	55	55	NUM
fsr-3477	262	14	and	and	CCONJ
fsr-3477	262	15	over	over	ADV
fsr-3477	262	16	,	,	PUNCT
fsr-3477	262	17	are	be	AUX
fsr-3477	262	18	59%%	59%%	NUM
fsr-3477	262	19	more	more	ADV
fsr-3477	262	20	likely	likely	ADJ
fsr-3477	262	21	to	to	PART
fsr-3477	262	22	be	be	AUX
fsr-3477	262	23	solvent	solvent	ADJ
fsr-3477	262	24	and	and	CCONJ
fsr-3477	262	25	78	78	NUM
fsr-3477	262	26	%	%	NOUN
fsr-3477	262	27	more	more	ADV
fsr-3477	262	28	likely	likely	ADJ
fsr-3477	262	29	to	to	PART
fsr-3477	262	30	be	be	AUX
fsr-3477	262	31	insolvent	insolvent	ADJ
fsr-3477	262	32	revolvers	revolver	NOUN
fsr-3477	262	33	when	when	SCONJ
fsr-3477	262	34	being	be	AUX
fsr-3477	262	35	a	a	DET
fsr-3477	262	36	convenience	convenience	NOUN
fsr-3477	262	37	user	user	NOUN
fsr-3477	262	38	is	be	AUX
fsr-3477	262	39	an	an	DET
fsr-3477	262	40	option	option	NOUN
fsr-3477	262	41	.	.	PUNCT
fsr-3477	263	1	women	woman	NOUN
fsr-3477	263	2	are	be	AUX
fsr-3477	263	3	more	more	ADV
fsr-3477	263	4	likely	likely	ADJ
fsr-3477	263	5	than	than	SCONJ
fsr-3477	263	6	men	man	NOUN
fsr-3477	263	7	to	to	PART
fsr-3477	263	8	be	be	AUX
fsr-3477	263	9	insolvent	insolvent	ADJ
fsr-3477	263	10	revolvers	revolver	NOUN
fsr-3477	263	11	than	than	ADP
fsr-3477	263	12	convenience	convenience	NOUN
fsr-3477	263	13	users	user	NOUN
fsr-3477	263	14	.	.	PUNCT
fsr-3477	264	1	specifically	specifically	ADV
fsr-3477	264	2	,	,	PUNCT
fsr-3477	264	3	the	the	DET
fsr-3477	264	4	results	result	NOUN
fsr-3477	264	5	show	show	VERB
fsr-3477	264	6	that	that	SCONJ
fsr-3477	264	7	compared	compare	VERB
fsr-3477	264	8	with	with	ADP
fsr-3477	264	9	male	male	ADJ
fsr-3477	264	10	convenience	convenience	NOUN
fsr-3477	264	11	users	user	NOUN
fsr-3477	264	12	,	,	PUNCT
fsr-3477	264	13	women	woman	NOUN
fsr-3477	264	14	are	be	AUX
fsr-3477	264	15	63	63	NUM
fsr-3477	264	16	%	%	NOUN
fsr-3477	264	17	more	more	ADV
fsr-3477	264	18	likely	likely	ADJ
fsr-3477	264	19	to	to	PART
fsr-3477	264	20	be	be	AUX
fsr-3477	264	21	insolvent	insolvent	ADJ
fsr-3477	264	22	revolvers	revolver	NOUN
fsr-3477	264	23	.	.	PUNCT
fsr-3477	264	24	comparing	compare	VERB
fsr-3477	264	25	unmarried	unmarried	ADJ
fsr-3477	264	26	households	household	NOUN
fsr-3477	264	27	to	to	PART
fsr-3477	264	28	married	marry	VERB
fsr-3477	264	29	households	household	NOUN
fsr-3477	264	30	who	who	PRON
fsr-3477	264	31	report	report	VERB
fsr-3477	264	32	being	be	AUX
fsr-3477	264	33	convenience	convenience	NOUN
fsr-3477	264	34	users	user	NOUN
fsr-3477	264	35	,	,	PUNCT
fsr-3477	264	36	unmarried	unmarried	ADJ
fsr-3477	264	37	respondents	respondent	NOUN
fsr-3477	264	38	are	be	AUX
fsr-3477	264	39	45	45	NUM
fsr-3477	264	40	%	%	NOUN
fsr-3477	264	41	less	less	ADV
fsr-3477	264	42	likely	likely	ADJ
fsr-3477	264	43	to	to	PART
fsr-3477	264	44	be	be	AUX
fsr-3477	264	45	insolvent	insolvent	ADJ
fsr-3477	264	46	revolvers	revolver	NOUN
fsr-3477	264	47	.	.	PUNCT
fsr-3477	265	1	income	income	NOUN
fsr-3477	265	2	’s	’s	PART
fsr-3477	265	3	impact	impact	NOUN
fsr-3477	265	4	on	on	ADP
fsr-3477	265	5	the	the	DET
fsr-3477	265	6	credit	credit	NOUN
fsr-3477	265	7	card	card	NOUN
fsr-3477	265	8	user	user	NOUN
fsr-3477	265	9	type	type	NOUN
fsr-3477	265	10	appears	appear	VERB
fsr-3477	265	11	only	only	ADV
fsr-3477	265	12	marginally	marginally	ADV
fsr-3477	265	13	statistically	statistically	ADV
fsr-3477	265	14	significant	significant	ADJ
fsr-3477	265	15	for	for	ADP
fsr-3477	265	16	revolving	revolve	VERB
fsr-3477	265	17	insolvent	insolvent	ADJ
fsr-3477	265	18	debt	debt	NOUN
fsr-3477	265	19	.	.	PUNCT
fsr-3477	266	1	a	a	DET
fsr-3477	266	2	one	one	NUM
fsr-3477	266	3	percentage	percentage	NOUN
fsr-3477	266	4	increase	increase	NOUN
fsr-3477	266	5	in	in	ADP
fsr-3477	266	6	income	income	NOUN
fsr-3477	266	7	decreases	decrease	VERB
fsr-3477	266	8	the	the	DET
fsr-3477	266	9	likelihood	likelihood	NOUN
fsr-3477	266	10	of	of	ADP
fsr-3477	266	11	being	be	AUX
fsr-3477	266	12	a	a	DET
fsr-3477	266	13	solvent	solvent	NOUN
fsr-3477	266	14	revolver	revolver	NOUN
fsr-3477	266	15	when	when	SCONJ
fsr-3477	266	16	table	table	NOUN
fsr-3477	267	1	1b	1b	NUM
fsr-3477	267	2	mean	mean	VERB
fsr-3477	267	3	and	and	CCONJ
fsr-3477	267	4	median	median	ADJ
fsr-3477	267	5	statistics	statistic	NOUN
fsr-3477	267	6	of	of	ADP
fsr-3477	267	7	independent	independent	ADJ
fsr-3477	267	8	variables	variable	NOUN
fsr-3477	267	9	(	(	PUNCT
fsr-3477	267	10	full	full	ADJ
fsr-3477	267	11	sample	sample	NOUN
fsr-3477	267	12	and	and	CCONJ
fsr-3477	267	13	by	by	ADP
fsr-3477	267	14	credit	credit	NOUN
fsr-3477	267	15	user	user	NOUN
fsr-3477	267	16	group	group	NOUN
fsr-3477	267	17	)	)	PUNCT
fsr-3477	267	18	full	full	ADJ
fsr-3477	267	19	sample	sample	NOUN
fsr-3477	267	20	insolvent	insolvent	ADJ
fsr-3477	267	21	revolver	revolver	NOUN
fsr-3477	267	22	solvent	solvent	NOUN
fsr-3477	267	23	revolver	revolver	NOUN
fsr-3477	267	24	convenience	convenience	NOUN
fsr-3477	267	25	user	user	NOUN
fsr-3477	267	26	mean	mean	VERB
fsr-3477	267	27	net	net	ADJ
fsr-3477	267	28	worth	worth	ADJ
fsr-3477	267	29	$	$	SYM
fsr-3477	267	30	912,469.96	912,469.96	NUM
fsr-3477	267	31	$	$	SYM
fsr-3477	267	32	157,114.26	157,114.26	NUM
fsr-3477	267	33	$	$	SYM
fsr-3477	267	34	413,347.22	413,347.22	NUM
fsr-3477	267	35	$	$	SYM
fsr-3477	267	36	1,638,477.82	1,638,477.82	NUM
fsr-3477	267	37	log	log	NOUN
fsr-3477	267	38	net	net	NOUN
fsr-3477	267	39	worth	worth	ADJ
fsr-3477	267	40	12.19	12.19	NUM
fsr-3477	267	41	11.2428	11.2428	NUM
fsr-3477	267	42	11.7480	11.7480	NUM
fsr-3477	267	43	12.8805	12.8805	NUM
fsr-3477	267	44	household	household	NOUN
fsr-3477	267	45	income	income	NOUN
fsr-3477	267	46	$	$	SYM
fsr-3477	267	47	123,934.20	123,934.20	NUM
fsr-3477	267	48	$	$	SYM
fsr-3477	267	49	65,830.40	65,830.40	NOUN
fsr-3477	267	50	$	$	SYM
fsr-3477	267	51	100,734.04	100,734.04	NUM
fsr-3477	267	52	$	$	SYM
fsr-3477	267	53	169,748.06	169,748.06	NUM
fsr-3477	267	54	log	log	NOUN
fsr-3477	267	55	hh	hh	PROPN
fsr-3477	267	56	income	income	NOUN
fsr-3477	267	57	11.11	11.11	NUM
fsr-3477	267	58	10.8058	10.8058	NUM
fsr-3477	267	59	11.1073	11.1073	NUM
fsr-3477	267	60	11.2755	11.2755	NUM
fsr-3477	267	61	median	median	ADJ
fsr-3477	267	62	net	net	NOUN
fsr-3477	267	63	worth	worth	ADJ
fsr-3477	267	64	$	$	SYM
fsr-3477	267	65	180,180.00	180,180.00	NUM
fsr-3477	267	66	$	$	SYM
fsr-3477	267	67	60,500.00	60,500.00	NUM
fsr-3477	267	68	$	$	SYM
fsr-3477	267	69	126,600.00	126,600.00	NUM
fsr-3477	267	70	$	$	SYM
fsr-3477	267	71	396,700.00	396,700.00	NUM
fsr-3477	267	72	log	log	VERB
fsr-3477	267	73	net	net	ADJ
fsr-3477	267	74	worth	worth	ADJ
fsr-3477	267	75	12.32	12.32	NUM
fsr-3477	267	76	11.42	11.42	NUM
fsr-3477	267	77	11.99	11.99	NUM
fsr-3477	267	78	12.96	12.96	NUM
fsr-3477	267	79	household	household	NOUN
fsr-3477	267	80	income	income	NOUN
fsr-3477	267	81	$	$	SYM
fsr-3477	267	82	67,000.00	67,000.00	NUM
fsr-3477	267	83	$	$	SYM
fsr-3477	267	84	51,000.00	51,000.00	NUM
fsr-3477	267	85	$	$	SYM
fsr-3477	267	86	68,000.00	68,000.00	NUM
fsr-3477	267	87	$	$	SYM
fsr-3477	267	88	76,000.00	76,000.00	NUM
fsr-3477	267	89	log	log	NOUN
fsr-3477	267	90	hh	hh	NOUN
fsr-3477	267	91	income	income	NOUN
fsr-3477	267	92	11.11	11.11	NUM
fsr-3477	267	93	10.84	10.84	NUM
fsr-3477	267	94	11.13	11.13	NUM
fsr-3477	267	95	11.24	11.24	NUM
fsr-3477	267	96	note	note	NOUN
fsr-3477	267	97	.	.	PUNCT
fsr-3477	268	1	statistics	statistic	NOUN
fsr-3477	268	2	derived	derive	VERB
fsr-3477	268	3	from	from	ADP
fsr-3477	268	4	weighted	weight	VERB
fsr-3477	268	5	analysis	analysis	NOUN
fsr-3477	268	6	of	of	ADP
fsr-3477	268	7	one	one	NUM
fsr-3477	268	8	implicate	implicate	NOUN
fsr-3477	268	9	.	.	PUNCT
fsr-3477	269	1	source	source	NOUN
fsr-3477	269	2	:	:	PUNCT
fsr-3477	269	3	2016	2016	NUM
fsr-3477	269	4	survey	survey	NOUN
fsr-3477	269	5	of	of	ADP
fsr-3477	269	6	consumer	consumer	NOUN
fsr-3477	269	7	finances	finance	NOUN
fsr-3477	269	8	.	.	PUNCT
fsr-3477	270	1	118	118	NUM
fsr-3477	270	2	l.	l.	PROPN
fsr-3477	270	3	c.	c.	PROPN
fsr-3477	270	4	ricaldi	ricaldi	PROPN
fsr-3477	270	5	et	et	PROPN
fsr-3477	270	6	al	al	PROPN
fsr-3477	270	7	.	.	PUNCT
fsr-3477	270	8	/	/	SYM
fsr-3477	270	9	financial	financial	ADJ
fsr-3477	270	10	services	service	NOUN
fsr-3477	270	11	review	review	VERB
fsr-3477	270	12	30	30	NUM
fsr-3477	270	13	(	(	PUNCT
fsr-3477	270	14	2022	2022	NUM
fsr-3477	270	15	)	)	PUNCT
fsr-3477	270	16	107–124	107–124	NUM
fsr-3477	270	17	table	table	NOUN
fsr-3477	270	18	2	2	NUM
fsr-3477	270	19	result	result	NOUN
fsr-3477	270	20	of	of	ADP
fsr-3477	270	21	multinomial	multinomial	ADJ
fsr-3477	270	22	logistic	logistic	ADJ
fsr-3477	270	23	regression	regression	NOUN
fsr-3477	270	24	results	result	NOUN
fsr-3477	270	25	on	on	ADP
fsr-3477	270	26	credit	credit	NOUN
fsr-3477	270	27	user	user	NOUN
fsr-3477	270	28	type	type	NOUN
fsr-3477	270	29	(	(	PUNCT
fsr-3477	270	30	convenience	convenience	NOUN
fsr-3477	270	31	user	user	NOUN
fsr-3477	270	32	is	be	AUX
fsr-3477	270	33	the	the	DET
fsr-3477	270	34	base	base	NOUN
fsr-3477	270	35	group	group	NOUN
fsr-3477	270	36	)	)	PUNCT
fsr-3477	270	37	variable	variable	ADJ
fsr-3477	270	38	user	user	NOUN
fsr-3477	270	39	type	type	VERB
fsr-3477	270	40	a	a	DET
fsr-3477	270	41	p	p	NOUN
fsr-3477	270	42	b	b	NOUN
fsr-3477	270	43	p	p	NOUN
fsr-3477	270	44	c	c	PROPN
fsr-3477	270	45	p	p	PROPN
fsr-3477	270	46	d	d	X
fsr-3477	270	47	p	p	X
fsr-3477	270	48	intercept	intercept	NOUN
fsr-3477	270	49	sr	sr	PROPN
fsr-3477	270	50	1.09	1.09	NUM
fsr-3477	270	51	1.24	1.24	NUM
fsr-3477	270	52	*	*	PUNCT
fsr-3477	270	53	*	*	PUNCT
fsr-3477	270	54	0.95	0.95	NUM
fsr-3477	270	55	34.74	34.74	NUM
fsr-3477	270	56	*	*	PUNCT
fsr-3477	270	57	*	*	PUNCT
fsr-3477	270	58	*	*	PUNCT
fsr-3477	270	59	intercept	intercept	NOUN
fsr-3477	270	60	ir	ir	PROPN
fsr-3477	270	61	0.92	0.92	NUM
fsr-3477	270	62	2.16	2.16	NUM
fsr-3477	270	63	*	*	PUNCT
fsr-3477	270	64	*	*	PUNCT
fsr-3477	270	65	*	*	PUNCT
fsr-3477	270	66	1.58	1.58	NUM
fsr-3477	270	67	*	*	PUNCT
fsr-3477	270	68	*	*	PUNCT
fsr-3477	270	69	*	*	X
fsr-3477	271	1	955.85	955.85	NUM
fsr-3477	271	2	*	*	PUNCT
fsr-3477	271	3	*	*	PUNCT
fsr-3477	271	4	*	*	PUNCT
fsr-3477	271	5	human	human	ADJ
fsr-3477	271	6	capital	capital	NOUN
fsr-3477	271	7	financially	financially	ADV
fsr-3477	271	8	literate	literate	ADJ
fsr-3477	271	9	sr	sr	NOUN
fsr-3477	271	10	0.54	0.54	NUM
fsr-3477	271	11	*	*	PUNCT
fsr-3477	271	12	*	*	PUNCT
fsr-3477	271	13	*	*	PUNCT
fsr-3477	271	14	0.58	0.58	NUM
fsr-3477	271	15	*	*	PUNCT
fsr-3477	271	16	*	*	PUNCT
fsr-3477	271	17	*	*	PUNCT
fsr-3477	271	18	0.60	0.60	NUM
fsr-3477	271	19	*	*	PUNCT
fsr-3477	271	20	*	*	PUNCT
fsr-3477	271	21	*	*	PUNCT
fsr-3477	271	22	0.82	0.82	NUM
fsr-3477	271	23	*	*	PUNCT
fsr-3477	271	24	*	*	PUNCT
fsr-3477	271	25	financially	financially	ADV
fsr-3477	271	26	literate	literate	ADJ
fsr-3477	271	27	ir	ir	NOUN
fsr-3477	271	28	0.46	0.46	NUM
fsr-3477	271	29	*	*	PUNCT
fsr-3477	271	30	*	*	PUNCT
fsr-3477	271	31	*	*	PUNCT
fsr-3477	271	32	0.61	0.61	NUM
fsr-3477	271	33	*	*	PUNCT
fsr-3477	271	34	*	*	PUNCT
fsr-3477	271	35	*	*	PUNCT
fsr-3477	271	36	0.64	0.64	NUM
fsr-3477	271	37	*	*	PUNCT
fsr-3477	271	38	*	*	PUNCT
fsr-3477	271	39	*	*	PROPN
fsr-3477	271	40	0.94	0.94	NUM
fsr-3477	271	41	college	college	NOUN
fsr-3477	271	42	degree	degree	NOUN
fsr-3477	271	43	sr	sr	PROPN
fsr-3477	271	44	0.38	0.38	NOUN
fsr-3477	271	45	*	*	PUNCT
fsr-3477	271	46	*	*	PUNCT
fsr-3477	271	47	*	*	PUNCT
fsr-3477	271	48	0.42	0.42	NUM
fsr-3477	271	49	*	*	PUNCT
fsr-3477	271	50	*	*	PUNCT
fsr-3477	271	51	*	*	PUNCT
fsr-3477	271	52	0.46	0.46	NUM
fsr-3477	271	53	*	*	PUNCT
fsr-3477	271	54	*	*	PUNCT
fsr-3477	271	55	*	*	PUNCT
fsr-3477	271	56	0.64	0.64	NUM
fsr-3477	271	57	*	*	PUNCT
fsr-3477	271	58	*	*	PUNCT
fsr-3477	271	59	*	*	PUNCT
fsr-3477	271	60	college	college	NOUN
fsr-3477	271	61	degree	degree	NOUN
fsr-3477	271	62	ir	ir	PROPN
fsr-3477	271	63	0.30	0.30	NUM
fsr-3477	271	64	*	*	PUNCT
fsr-3477	271	65	*	*	PUNCT
fsr-3477	271	66	*	*	PUNCT
fsr-3477	271	67	0.42	0.42	NUM
fsr-3477	271	68	*	*	PUNCT
fsr-3477	271	69	*	*	PUNCT
fsr-3477	271	70	*	*	PUNCT
fsr-3477	271	71	0.46	0.46	NUM
fsr-3477	271	72	*	*	PUNCT
fsr-3477	271	73	*	*	PUNCT
fsr-3477	271	74	*	*	PUNCT
fsr-3477	271	75	0.77	0.77	NUM
fsr-3477	271	76	*	*	PUNCT
fsr-3477	271	77	*	*	PUNCT
fsr-3477	271	78	mental	mental	ADJ
fsr-3477	271	79	accounting	accounting	NOUN
fsr-3477	271	80	/	/	SYM
fsr-3477	271	81	precautionary	precautionary	ADJ
fsr-3477	271	82	savings	saving	NOUN
fsr-3477	271	83	motives	motive	NOUN
fsr-3477	271	84	have	have	VERB
fsr-3477	271	85	emergency	emergency	NOUN
fsr-3477	271	86	fund	fund	NOUN
fsr-3477	271	87	sr	sr	PROPN
fsr-3477	271	88	0.55	0.55	NUM
fsr-3477	271	89	*	*	PUNCT
fsr-3477	272	1	*	*	PUNCT
fsr-3477	272	2	*	*	PUNCT
fsr-3477	272	3	0.62	0.62	NUM
fsr-3477	272	4	*	*	PUNCT
fsr-3477	272	5	*	*	PUNCT
fsr-3477	272	6	*	*	PUNCT
fsr-3477	272	7	0.81	0.81	NUM
fsr-3477	272	8	*	*	PUNCT
fsr-3477	272	9	*	*	AUX
fsr-3477	272	10	have	have	VERB
fsr-3477	272	11	emergency	emergency	NOUN
fsr-3477	272	12	fund	fund	NOUN
fsr-3477	272	13	ir	ir	PROPN
fsr-3477	272	14	0.20	0.20	NUM
fsr-3477	272	15	*	*	PUNCT
fsr-3477	272	16	*	*	PUNCT
fsr-3477	273	1	*	*	PUNCT
fsr-3477	273	2	0.24	0.24	NUM
fsr-3477	273	3	*	*	PUNCT
fsr-3477	273	4	*	*	PUNCT
fsr-3477	273	5	*	*	PUNCT
fsr-3477	273	6	0.34	0.34	NUM
fsr-3477	273	7	*	*	PUNCT
fsr-3477	273	8	*	*	AUX
fsr-3477	273	9	*	*	AUX
fsr-3477	273	10	saving	save	VERB
fsr-3477	273	11	for	for	ADP
fsr-3477	273	12	unemployment	unemployment	NOUN
fsr-3477	273	13	sr	sr	PROPN
fsr-3477	273	14	1.57	1.57	NUM
fsr-3477	273	15	*	*	PUNCT
fsr-3477	273	16	*	*	PUNCT
fsr-3477	273	17	1.42	1.42	NUM
fsr-3477	273	18	0.84	0.84	NUM
fsr-3477	273	19	saving	save	VERB
fsr-3477	273	20	for	for	ADP
fsr-3477	273	21	unemployment	unemployment	NOUN
fsr-3477	273	22	ir	ir	PROPN
fsr-3477	273	23	1.63	1.63	NUM
fsr-3477	273	24	*	*	NUM
fsr-3477	273	25	1.40	1.40	NUM
fsr-3477	273	26	0.78	0.78	NUM
fsr-3477	273	27	saving	save	VERB
fsr-3477	273	28	for	for	ADP
fsr-3477	273	29	illness	illness	NOUN
fsr-3477	273	30	sr	sr	PROPN
fsr-3477	273	31	0.93	0.93	NUM
fsr-3477	273	32	0.97	0.97	NUM
fsr-3477	273	33	1.07	1.07	NUM
fsr-3477	273	34	saving	save	VERB
fsr-3477	273	35	for	for	ADP
fsr-3477	273	36	illness	illness	NOUN
fsr-3477	273	37	ir	ir	PROPN
fsr-3477	273	38	0.80	0.80	NUM
fsr-3477	273	39	0.87	0.87	NUM
fsr-3477	273	40	0.80	0.80	NUM
fsr-3477	273	41	ability	ability	NOUN
fsr-3477	273	42	to	to	PART
fsr-3477	273	43	borrow	borrow	VERB
fsr-3477	273	44	sr	sr	PROPN
fsr-3477	273	45	1.09	1.09	NUM
fsr-3477	273	46	1.06	1.06	NUM
fsr-3477	273	47	0.88	0.88	NUM
fsr-3477	273	48	ability	ability	NOUN
fsr-3477	273	49	to	to	PART
fsr-3477	273	50	borrow	borrow	VERB
fsr-3477	273	51	ir	ir	PROPN
fsr-3477	273	52	1.66	1.66	NUM
fsr-3477	273	53	*	*	PUNCT
fsr-3477	273	54	*	*	PUNCT
fsr-3477	273	55	*	*	PUNCT
fsr-3477	273	56	1.59	1.59	NUM
fsr-3477	273	57	*	*	PUNCT
fsr-3477	273	58	*	*	PUNCT
fsr-3477	273	59	*	*	SYM
fsr-3477	273	60	1.16	1.16	NUM
fsr-3477	273	61	self	self	NOUN
fsr-3477	273	62	employed	employ	VERB
fsr-3477	273	63	sr	sr	PROPN
fsr-3477	273	64	0.68	0.68	NUM
fsr-3477	273	65	*	*	PUNCT
fsr-3477	274	1	*	*	PUNCT
fsr-3477	274	2	*	*	PUNCT
fsr-3477	274	3	0.67	0.67	NUM
fsr-3477	275	1	*	*	PUNCT
fsr-3477	275	2	*	*	PUNCT
fsr-3477	275	3	*	*	PUNCT
fsr-3477	275	4	1.32	1.32	NUM
fsr-3477	275	5	*	*	PUNCT
fsr-3477	275	6	*	*	PUNCT
fsr-3477	275	7	self	self	NOUN
fsr-3477	275	8	employed	employ	VERB
fsr-3477	275	9	ir	ir	PROPN
fsr-3477	275	10	0.48	0.48	NUM
fsr-3477	275	11	*	*	PUNCT
fsr-3477	275	12	*	*	PUNCT
fsr-3477	275	13	*	*	PUNCT
fsr-3477	275	14	0.47	0.47	NUM
fsr-3477	275	15	*	*	PUNCT
fsr-3477	276	1	*	*	PUNCT
fsr-3477	276	2	*	*	PUNCT
fsr-3477	276	3	1.11	1.11	NUM
fsr-3477	276	4	have	have	VERB
fsr-3477	276	5	liquid	liquid	ADJ
fsr-3477	276	6	accounts	account	NOUN
fsr-3477	276	7	sr	sr	PROPN
fsr-3477	276	8	1.50	1.50	NUM
fsr-3477	276	9	*	*	PUNCT
fsr-3477	276	10	*	*	PUNCT
fsr-3477	276	11	*	*	PUNCT
fsr-3477	276	12	1.50	1.50	NUM
fsr-3477	276	13	*	*	PUNCT
fsr-3477	276	14	*	*	PUNCT
fsr-3477	276	15	*	*	PUNCT
fsr-3477	276	16	1.42	1.42	NUM
fsr-3477	276	17	*	*	PUNCT
fsr-3477	276	18	*	*	PUNCT
fsr-3477	276	19	*	*	PUNCT
fsr-3477	276	20	have	have	VERB
fsr-3477	276	21	liquid	liquid	ADJ
fsr-3477	276	22	accounts	account	NOUN
fsr-3477	276	23	ir	ir	INTJ
fsr-3477	276	24	0.64	0.64	NUM
fsr-3477	276	25	*	*	PUNCT
fsr-3477	276	26	*	*	PUNCT
fsr-3477	276	27	*	*	PUNCT
fsr-3477	276	28	0.64	0.64	NUM
fsr-3477	276	29	*	*	PUNCT
fsr-3477	276	30	*	*	PUNCT
fsr-3477	276	31	*	*	PUNCT
fsr-3477	276	32	0.58	0.58	NUM
fsr-3477	276	33	*	*	PUNCT
fsr-3477	276	34	*	*	PUNCT
fsr-3477	276	35	*	*	NOUN
fsr-3477	276	36	self	self	NOUN
fsr-3477	276	37	-	-	PUNCT
fsr-3477	276	38	control	control	NOUN
fsr-3477	276	39	behind	behind	ADV
fsr-3477	276	40	on	on	ADP
fsr-3477	276	41	payments	payment	NOUN
fsr-3477	276	42	sr	sr	PROPN
fsr-3477	276	43	3.30	3.30	NUM
fsr-3477	276	44	*	*	PUNCT
fsr-3477	276	45	*	*	PUNCT
fsr-3477	276	46	*	*	PUNCT
fsr-3477	276	47	2.19	2.19	NUM
fsr-3477	276	48	*	*	PUNCT
fsr-3477	276	49	*	*	PUNCT
fsr-3477	276	50	*	*	PUNCT
fsr-3477	276	51	behind	behind	ADV
fsr-3477	276	52	on	on	ADP
fsr-3477	276	53	payments	payment	NOUN
fsr-3477	276	54	ir	ir	PROPN
fsr-3477	276	55	4.44	4.44	NUM
fsr-3477	276	56	*	*	PUNCT
fsr-3477	276	57	*	*	PUNCT
fsr-3477	276	58	*	*	PUNCT
fsr-3477	276	59	2.97	2.97	NUM
fsr-3477	276	60	*	*	PUNCT
fsr-3477	276	61	*	*	PUNCT
fsr-3477	276	62	*	*	PUNCT
fsr-3477	276	63	positive	positive	ADJ
fsr-3477	276	64	attitude	attitude	NOUN
fsr-3477	276	65	toward	toward	ADP
fsr-3477	276	66	credit	credit	NOUN
fsr-3477	276	67	sr	sr	PROPN
fsr-3477	276	68	1.23	1.23	NUM
fsr-3477	276	69	*	*	PUNCT
fsr-3477	276	70	*	*	PUNCT
fsr-3477	277	1	1.18	1.18	NUM
fsr-3477	277	2	*	*	PUNCT
fsr-3477	277	3	positive	positive	ADJ
fsr-3477	277	4	attitude	attitude	NOUN
fsr-3477	277	5	toward	toward	ADP
fsr-3477	277	6	credit	credit	NOUN
fsr-3477	277	7	ir	ir	PROPN
fsr-3477	277	8	1.01	1.01	NUM
fsr-3477	277	9	1.08	1.08	NUM
fsr-3477	277	10	negative	negative	ADJ
fsr-3477	277	11	attitude	attitude	NOUN
fsr-3477	277	12	toward	toward	ADP
fsr-3477	277	13	credit	credit	NOUN
fsr-3477	277	14	sr	sr	PROPN
fsr-3477	277	15	0.88	0.88	NUM
fsr-3477	277	16	0.87	0.87	NUM
fsr-3477	277	17	negative	negative	ADJ
fsr-3477	277	18	attitude	attitude	NOUN
fsr-3477	277	19	toward	toward	ADP
fsr-3477	277	20	credit	credit	NOUN
fsr-3477	277	21	ir	ir	PROPN
fsr-3477	277	22	0.77	0.77	NUM
fsr-3477	277	23	*	*	PUNCT
fsr-3477	277	24	*	*	PUNCT
fsr-3477	277	25	0.75	0.75	NUM
fsr-3477	277	26	*	*	PUNCT
fsr-3477	277	27	*	*	PUNCT
fsr-3477	277	28	bankruptcy	bankruptcy	PROPN
fsr-3477	277	29	history	history	NOUN
fsr-3477	277	30	sr	sr	PROPN
fsr-3477	277	31	3.03	3.03	NUM
fsr-3477	277	32	*	*	PUNCT
fsr-3477	277	33	*	*	PUNCT
fsr-3477	277	34	*	*	PUNCT
fsr-3477	277	35	2.19	2.19	NUM
fsr-3477	277	36	*	*	PUNCT
fsr-3477	277	37	*	*	PUNCT
fsr-3477	277	38	*	*	PUNCT
fsr-3477	277	39	bankruptcy	bankruptcy	NOUN
fsr-3477	277	40	history	history	NOUN
fsr-3477	277	41	ir	ir	PROPN
fsr-3477	277	42	3.84	3.84	NUM
fsr-3477	277	43	*	*	PUNCT
fsr-3477	277	44	*	*	PUNCT
fsr-3477	277	45	*	*	PUNCT
fsr-3477	277	46	2.70	2.70	NUM
fsr-3477	277	47	*	*	PUNCT
fsr-3477	277	48	*	*	PUNCT
fsr-3477	277	49	*	*	PUNCT
fsr-3477	277	50	likely	likely	ADJ
fsr-3477	277	51	to	to	PART
fsr-3477	277	52	increase	increase	VERB
fsr-3477	277	53	spending	spend	VERB
fsr-3477	277	54	sr	sr	PROPN
fsr-3477	277	55	0.99	0.99	NUM
fsr-3477	277	56	1.04	1.04	NUM
fsr-3477	277	57	likely	likely	ADJ
fsr-3477	277	58	to	to	PART
fsr-3477	277	59	increase	increase	VERB
fsr-3477	277	60	spending	spend	VERB
fsr-3477	277	61	ir	ir	PROPN
fsr-3477	277	62	1.11	1.11	NUM
fsr-3477	277	63	1.18	1.18	NUM
fsr-3477	277	64	unwilling	unwilling	ADJ
fsr-3477	277	65	to	to	PART
fsr-3477	277	66	reduce	reduce	VERB
fsr-3477	277	67	spending	spend	VERB
fsr-3477	277	68	sr	sr	PROPN
fsr-3477	277	69	0.76	0.76	NUM
fsr-3477	277	70	*	*	PROPN
fsr-3477	277	71	*	*	PUNCT
fsr-3477	277	72	0.87	0.87	NUM
fsr-3477	277	73	unwilling	unwilling	ADJ
fsr-3477	277	74	to	to	PART
fsr-3477	277	75	reduce	reduce	VERB
fsr-3477	277	76	spending	spend	VERB
fsr-3477	277	77	ir	ir	PROPN
fsr-3477	277	78	0.75	0.75	NUM
fsr-3477	277	79	*	*	PUNCT
fsr-3477	277	80	*	*	PUNCT
fsr-3477	277	81	0.79	0.79	NUM
fsr-3477	277	82	*	*	PUNCT
fsr-3477	277	83	*	*	PUNCT
fsr-3477	277	84	lifecycle	lifecycle	NOUN
fsr-3477	277	85	factors	factor	NOUN
fsr-3477	277	86	age	age	NOUN
fsr-3477	277	87	35–55	35–55	NUM
fsr-3477	277	88	sr	sr	PROPN
fsr-3477	277	89	1.77	1.77	NUM
fsr-3477	277	90	*	*	PUNCT
fsr-3477	277	91	*	*	PUNCT
fsr-3477	277	92	*	*	PUNCT
fsr-3477	277	93	age	age	NOUN
fsr-3477	277	94	35–55	35–55	NUM
fsr-3477	277	95	ir	ir	PROPN
fsr-3477	277	96	2.61	2.61	NUM
fsr-3477	277	97	*	*	PUNCT
fsr-3477	277	98	*	*	PUNCT
fsr-3477	277	99	*	*	PUNCT
fsr-3477	277	100	age	age	NOUN
fsr-3477	277	101	55	55	NUM
fsr-3477	277	102	+	+	NOUN
fsr-3477	277	103	sr	sr	PROPN
fsr-3477	277	104	1.13	1.13	NUM
fsr-3477	277	105	age	age	NOUN
fsr-3477	277	106	55	55	NUM
fsr-3477	277	107	+	+	NOUN
fsr-3477	277	108	ir	ir	PROPN
fsr-3477	277	109	1.30	1.30	NUM
fsr-3477	277	110	female	female	ADJ
fsr-3477	277	111	sr	sr	PROPN
fsr-3477	277	112	1.08	1.08	NUM
fsr-3477	277	113	female	female	ADJ
fsr-3477	277	114	ir	ir	PROPN
fsr-3477	277	115	1.65	1.65	NUM
fsr-3477	277	116	*	*	NOUN
fsr-3477	277	117	*	*	PUNCT
fsr-3477	277	118	not	not	PART
fsr-3477	277	119	married	marry	VERB
fsr-3477	277	120	sr	sr	PROPN
fsr-3477	277	121	0.87	0.87	NUM
fsr-3477	277	122	not	not	PART
fsr-3477	277	123	married	marry	VERB
fsr-3477	277	124	ir	ir	PROPN
fsr-3477	277	125	0.50	0.50	NUM
fsr-3477	277	126	*	*	PUNCT
fsr-3477	278	1	*	*	PUNCT
fsr-3477	278	2	*	*	PUNCT
fsr-3477	278	3	black	black	ADJ
fsr-3477	278	4	sr	sr	PROPN
fsr-3477	278	5	2.48	2.48	NUM
fsr-3477	278	6	*	*	PUNCT
fsr-3477	278	7	*	*	PUNCT
fsr-3477	278	8	*	*	PUNCT
fsr-3477	278	9	black	black	ADJ
fsr-3477	278	10	ir	ir	PROPN
fsr-3477	278	11	1.54	1.54	NUM
fsr-3477	278	12	*	*	PUNCT
fsr-3477	278	13	*	*	PUNCT
fsr-3477	278	14	hispanic	hispanic	ADJ
fsr-3477	278	15	sr	sr	PROPN
fsr-3477	278	16	1.52	1.52	NUM
fsr-3477	278	17	*	*	PUNCT
fsr-3477	278	18	*	*	PUNCT
fsr-3477	278	19	hispanic	hispanic	ADJ
fsr-3477	278	20	ir	ir	PROPN
fsr-3477	278	21	1.45	1.45	NUM
fsr-3477	278	22	*	*	PUNCT
fsr-3477	278	23	*	*	PUNCT
fsr-3477	278	24	other	other	ADJ
fsr-3477	278	25	race	race	NOUN
fsr-3477	278	26	sr	sr	PROPN
fsr-3477	278	27	0.96	0.96	NUM
fsr-3477	278	28	other	other	ADJ
fsr-3477	278	29	race	race	NOUN
fsr-3477	278	30	ir	ir	PROPN
fsr-3477	278	31	0.34	0.34	NUM
fsr-3477	278	32	*	*	PUNCT
fsr-3477	278	33	*	*	PUNCT
fsr-3477	278	34	*	*	PUNCT
fsr-3477	278	35	log	log	PROPN
fsr-3477	278	36	income	income	NOUN
fsr-3477	278	37	sr	sr	PROPN
fsr-3477	278	38	1.08	1.08	NUM
fsr-3477	278	39	log	log	NOUN
fsr-3477	278	40	income	income	NOUN
fsr-3477	278	41	ir	ir	PROPN
fsr-3477	278	42	0.88	0.88	NUM
fsr-3477	278	43	*	*	PUNCT
fsr-3477	278	44	log	log	PROPN
fsr-3477	278	45	net	net	ADJ
fsr-3477	278	46	worth	worth	ADJ
fsr-3477	278	47	sr	sr	PROPN
fsr-3477	278	48	0.66	0.66	NUM
fsr-3477	278	49	*	*	PUNCT
fsr-3477	278	50	*	*	PUNCT
fsr-3477	278	51	*	*	PUNCT
fsr-3477	278	52	log	log	PROPN
fsr-3477	278	53	net	net	ADJ
fsr-3477	278	54	worth	worth	ADJ
fsr-3477	278	55	ir	ir	PROPN
fsr-3477	278	56	0.62	0.62	NUM
fsr-3477	278	57	*	*	PUNCT
fsr-3477	278	58	*	*	PUNCT
fsr-3477	278	59	*	*	PUNCT
fsr-3477	278	60	note	note	NOUN
fsr-3477	278	61	.	.	PUNCT
fsr-3477	279	1	sr	sr	PROPN
fsr-3477	279	2	=	=	NOUN
fsr-3477	279	3	solvent	solvent	PROPN
fsr-3477	279	4	revolver	revolver	NOUN
fsr-3477	279	5	.	.	PUNCT
fsr-3477	280	1	ir	ir	NOUN
fsr-3477	280	2	=	=	PUNCT
fsr-3477	280	3	insolvent	insolvent	ADJ
fsr-3477	280	4	revolver	revolver	NOUN
fsr-3477	280	5	.	.	PUNCT
fsr-3477	281	1	l.	l.	PROPN
fsr-3477	281	2	c.	c.	PROPN
fsr-3477	281	3	ricaldi	ricaldi	PROPN
fsr-3477	281	4	et	et	PROPN
fsr-3477	281	5	al	al	PROPN
fsr-3477	281	6	.	.	PUNCT
fsr-3477	281	7	/	/	SYM
fsr-3477	281	8	financial	financial	ADJ
fsr-3477	281	9	services	service	NOUN
fsr-3477	281	10	review	review	VERB
fsr-3477	281	11	30	30	NUM
fsr-3477	281	12	(	(	PUNCT
fsr-3477	281	13	2022	2022	NUM
fsr-3477	281	14	)	)	PUNCT
fsr-3477	282	1	107–124	107–124	NUM
fsr-3477	282	2	119	119	NUM
fsr-3477	282	3	compared	compare	VERB
fsr-3477	282	4	with	with	ADP
fsr-3477	282	5	a	a	DET
fsr-3477	282	6	convenience	convenience	NOUN
fsr-3477	282	7	user	user	NOUN
fsr-3477	282	8	by	by	ADP
fsr-3477	282	9	12	12	NUM
fsr-3477	282	10	%	%	NOUN
fsr-3477	282	11	.	.	PUNCT
fsr-3477	283	1	net	net	ADJ
fsr-3477	283	2	worth	worth	PROPN
fsr-3477	283	3	’s	’s	PART
fsr-3477	283	4	impact	impact	NOUN
fsr-3477	283	5	is	be	AUX
fsr-3477	283	6	more	more	ADV
fsr-3477	283	7	pronounced	pronounce	VERB
fsr-3477	283	8	,	,	PUNCT
fsr-3477	283	9	as	as	SCONJ
fsr-3477	283	10	a	a	DET
fsr-3477	283	11	one	one	NUM
fsr-3477	283	12	percentage	percentage	NOUN
fsr-3477	283	13	increase	increase	NOUN
fsr-3477	283	14	in	in	ADP
fsr-3477	283	15	net	net	ADJ
fsr-3477	283	16	worth	worth	NOUN
fsr-3477	283	17	estimates	estimate	VERB
fsr-3477	283	18	a	a	DET
fsr-3477	283	19	34	34	NUM
fsr-3477	283	20	%	%	NOUN
fsr-3477	283	21	decrease	decrease	NOUN
fsr-3477	283	22	in	in	ADP
fsr-3477	283	23	the	the	DET
fsr-3477	283	24	likelihood	likelihood	NOUN
fsr-3477	283	25	of	of	ADP
fsr-3477	283	26	being	be	AUX
fsr-3477	283	27	a	a	DET
fsr-3477	283	28	solvent	solvent	NOUN
fsr-3477	283	29	revolver	revolver	NOUN
fsr-3477	283	30	and	and	CCONJ
fsr-3477	283	31	a	a	DET
fsr-3477	283	32	38	38	NUM
fsr-3477	283	33	%	%	NOUN
fsr-3477	283	34	decrease	decrease	NOUN
fsr-3477	283	35	in	in	ADP
fsr-3477	283	36	the	the	DET
fsr-3477	283	37	likelihood	likelihood	NOUN
fsr-3477	283	38	of	of	ADP
fsr-3477	283	39	being	be	AUX
fsr-3477	283	40	an	an	DET
fsr-3477	283	41	insolvent	insolvent	ADJ
fsr-3477	283	42	revolver	revolver	NOUN
fsr-3477	283	43	relative	relative	NOUN
fsr-3477	283	44	to	to	ADP
fsr-3477	283	45	convenience	convenience	NOUN
fsr-3477	283	46	use	use	NOUN
fsr-3477	283	47	of	of	ADP
fsr-3477	283	48	credit	credit	NOUN
fsr-3477	283	49	cards	card	NOUN
fsr-3477	283	50	.	.	PUNCT
fsr-3477	284	1	in	in	ADP
fsr-3477	284	2	table	table	NOUN
fsr-3477	284	3	3	3	NUM
fsr-3477	284	4	,	,	PUNCT
fsr-3477	284	5	we	we	PRON
fsr-3477	284	6	present	present	VERB
fsr-3477	284	7	binary	binary	ADJ
fsr-3477	284	8	logistic	logistic	ADJ
fsr-3477	284	9	regression	regression	NOUN
fsr-3477	284	10	results	result	NOUN
fsr-3477	284	11	on	on	ADP
fsr-3477	284	12	the	the	DET
fsr-3477	284	13	likelihood	likelihood	NOUN
fsr-3477	284	14	of	of	ADP
fsr-3477	284	15	being	be	AUX
fsr-3477	284	16	a	a	DET
fsr-3477	284	17	solvent	solvent	ADJ
fsr-3477	284	18	revolver	revolver	NOUN
fsr-3477	284	19	compared	compare	VERB
fsr-3477	284	20	with	with	ADP
fsr-3477	284	21	a	a	DET
fsr-3477	284	22	convenience	convenience	NOUN
fsr-3477	284	23	user	user	NOUN
fsr-3477	284	24	.	.	PUNCT
fsr-3477	285	1	we	we	PRON
fsr-3477	285	2	use	use	VERB
fsr-3477	285	3	a	a	DET
fsr-3477	285	4	restricted	restricted	ADJ
fsr-3477	285	5	sample	sample	NOUN
fsr-3477	285	6	of	of	ADP
fsr-3477	285	7	solvent	solvent	ADJ
fsr-3477	285	8	revolvers	revolver	NOUN
fsr-3477	285	9	and	and	CCONJ
fsr-3477	285	10	convenience	convenience	NOUN
fsr-3477	285	11	users	user	NOUN
fsr-3477	285	12	who	who	PRON
fsr-3477	285	13	are	be	AUX
fsr-3477	285	14	financially	financially	ADV
fsr-3477	285	15	literate	literate	ADJ
fsr-3477	285	16	.	.	PUNCT
fsr-3477	286	1	the	the	DET
fsr-3477	286	2	analysis	analysis	NOUN
fsr-3477	286	3	allows	allow	VERB
fsr-3477	286	4	us	we	PRON
fsr-3477	286	5	to	to	PART
fsr-3477	286	6	better	well	ADV
fsr-3477	286	7	understand	understand	VERB
fsr-3477	286	8	the	the	DET
fsr-3477	286	9	factors	factor	NOUN
fsr-3477	286	10	that	that	PRON
fsr-3477	286	11	affect	affect	VERB
fsr-3477	286	12	the	the	DET
fsr-3477	286	13	decision	decision	NOUN
fsr-3477	286	14	to	to	PART
fsr-3477	286	15	revolve	revolve	VERB
fsr-3477	286	16	debt	debt	NOUN
fsr-3477	286	17	since	since	SCONJ
fsr-3477	286	18	solvent	solvent	ADJ
fsr-3477	286	19	revolvers	revolver	NOUN
fsr-3477	286	20	have	have	VERB
fsr-3477	286	21	the	the	DET
fsr-3477	286	22	knowledge	knowledge	NOUN
fsr-3477	286	23	and	and	CCONJ
fsr-3477	286	24	financial	financial	ADJ
fsr-3477	286	25	ability	ability	NOUN
fsr-3477	286	26	to	to	PART
fsr-3477	286	27	be	be	AUX
fsr-3477	286	28	convenience	convenience	NOUN
fsr-3477	286	29	users	user	NOUN
fsr-3477	286	30	.	.	PUNCT
fsr-3477	287	1	compared	compare	VERB
fsr-3477	287	2	with	with	ADP
fsr-3477	287	3	noncollege	noncollege	NOUN
fsr-3477	287	4	graduates	graduate	NOUN
fsr-3477	287	5	,	,	PUNCT
fsr-3477	287	6	college	college	NOUN
fsr-3477	287	7	graduates	graduate	NOUN
fsr-3477	287	8	are	be	AUX
fsr-3477	287	9	49	49	NUM
fsr-3477	287	10	%	%	NOUN
fsr-3477	287	11	less	less	ADV
fsr-3477	287	12	likely	likely	ADJ
fsr-3477	287	13	to	to	PART
fsr-3477	287	14	be	be	AUX
fsr-3477	287	15	solvent	solvent	ADJ
fsr-3477	287	16	revolvers	revolver	NOUN
fsr-3477	287	17	.	.	PUNCT
fsr-3477	288	1	results	result	NOUN
fsr-3477	288	2	show	show	VERB
fsr-3477	288	3	a	a	DET
fsr-3477	288	4	similar	similar	ADJ
fsr-3477	288	5	pattern	pattern	NOUN
fsr-3477	288	6	related	relate	VERB
fsr-3477	288	7	to	to	ADP
fsr-3477	288	8	having	have	VERB
fsr-3477	288	9	an	an	DET
fsr-3477	288	10	emergency	emergency	NOUN
fsr-3477	288	11	fund	fund	NOUN
fsr-3477	288	12	as	as	SCONJ
fsr-3477	288	13	these	these	DET
fsr-3477	288	14	households	household	NOUN
fsr-3477	288	15	are	be	AUX
fsr-3477	288	16	31	31	NUM
fsr-3477	288	17	%	%	NOUN
fsr-3477	288	18	less	less	ADV
fsr-3477	288	19	likely	likely	ADJ
fsr-3477	288	20	to	to	PART
fsr-3477	288	21	be	be	AUX
fsr-3477	288	22	solvent	solvent	ADJ
fsr-3477	288	23	revolvers	revolver	NOUN
fsr-3477	288	24	than	than	ADP
fsr-3477	288	25	households	household	NOUN
fsr-3477	288	26	that	that	PRON
fsr-3477	288	27	do	do	AUX
fsr-3477	288	28	not	not	PART
fsr-3477	288	29	have	have	VERB
fsr-3477	288	30	an	an	DET
fsr-3477	288	31	emergency	emergency	NOUN
fsr-3477	288	32	fund	fund	NOUN
fsr-3477	288	33	.	.	PUNCT
fsr-3477	289	1	older	old	ADJ
fsr-3477	289	2	respondents	respondent	NOUN
fsr-3477	289	3	(	(	PUNCT
fsr-3477	289	4	55	55	NUM
fsr-3477	289	5	and	and	CCONJ
fsr-3477	289	6	older	old	ADJ
fsr-3477	289	7	)	)	PUNCT
fsr-3477	289	8	are	be	AUX
fsr-3477	289	9	42	42	NUM
fsr-3477	289	10	%	%	NOUN
fsr-3477	289	11	less	less	ADV
fsr-3477	289	12	likely	likely	ADJ
fsr-3477	289	13	than	than	ADP
fsr-3477	289	14	respondents	respondent	NOUN
fsr-3477	289	15	34	34	NUM
fsr-3477	289	16	and	and	CCONJ
fsr-3477	289	17	younger	young	ADJ
fsr-3477	289	18	to	to	PART
fsr-3477	289	19	be	be	AUX
fsr-3477	289	20	solvent	solvent	ADJ
fsr-3477	289	21	revolvers	revolver	NOUN
fsr-3477	289	22	.	.	PUNCT
fsr-3477	290	1	contrastingly	contrastingly	ADV
fsr-3477	290	2	,	,	PUNCT
fsr-3477	290	3	having	have	VERB
fsr-3477	290	4	liquid	liquid	ADJ
fsr-3477	290	5	accounts	account	NOUN
fsr-3477	290	6	,	,	PUNCT
fsr-3477	290	7	behind	behind	ADP
fsr-3477	290	8	on	on	ADP
fsr-3477	290	9	payments	payment	NOUN
fsr-3477	290	10	,	,	PUNCT
fsr-3477	290	11	bankruptcy	bankruptcy	NOUN
fsr-3477	290	12	,	,	PUNCT
fsr-3477	290	13	and	and	CCONJ
fsr-3477	290	14	race	race	NOUN
fsr-3477	290	15	all	all	PRON
fsr-3477	290	16	increased	increase	VERB
fsr-3477	290	17	the	the	DET
fsr-3477	290	18	likelihood	likelihood	NOUN
fsr-3477	290	19	of	of	ADP
fsr-3477	290	20	being	be	AUX
fsr-3477	290	21	solvent	solvent	ADJ
fsr-3477	290	22	revolvers	revolver	NOUN
fsr-3477	290	23	.	.	PUNCT
fsr-3477	291	1	bankruptcy	bankruptcy	NOUN
fsr-3477	291	2	filings	filing	NOUN
fsr-3477	291	3	result	result	VERB
fsr-3477	291	4	in	in	ADP
fsr-3477	291	5	267	267	NUM
fsr-3477	291	6	%	%	NOUN
fsr-3477	291	7	table	table	NOUN
fsr-3477	291	8	3	3	NUM
fsr-3477	291	9	binary	binary	NOUN
fsr-3477	291	10	logistic	logistic	ADJ
fsr-3477	291	11	results	result	NOUN
fsr-3477	291	12	on	on	ADP
fsr-3477	291	13	the	the	DET
fsr-3477	291	14	likelihood	likelihood	NOUN
fsr-3477	291	15	of	of	ADP
fsr-3477	291	16	being	be	AUX
fsr-3477	291	17	a	a	DET
fsr-3477	291	18	solvent	solvent	ADJ
fsr-3477	291	19	revolver	revolver	NOUN
fsr-3477	291	20	variable	variable	ADJ
fsr-3477	291	21	odds	odd	NOUN
fsr-3477	291	22	ratio	ratio	NOUN
fsr-3477	291	23	p	p	NOUN
fsr-3477	291	24	intercept	intercept	NOUN
fsr-3477	291	25	23.83	23.83	NUM
fsr-3477	291	26	*	*	PUNCT
fsr-3477	291	27	*	*	PUNCT
fsr-3477	291	28	*	*	PUNCT
fsr-3477	291	29	human	human	ADJ
fsr-3477	291	30	capital	capital	NOUN
fsr-3477	291	31	college	college	NOUN
fsr-3477	291	32	degree	degree	NOUN
fsr-3477	291	33	0.51	0.51	NUM
fsr-3477	291	34	*	*	PUNCT
fsr-3477	291	35	*	*	PUNCT
fsr-3477	291	36	*	*	PUNCT
fsr-3477	291	37	mental	mental	ADJ
fsr-3477	291	38	accounting	accounting	NOUN
fsr-3477	291	39	/	/	SYM
fsr-3477	291	40	precautionary	precautionary	ADJ
fsr-3477	291	41	savings	saving	NOUN
fsr-3477	291	42	motives	motive	NOUN
fsr-3477	291	43	have	have	VERB
fsr-3477	291	44	emergency	emergency	NOUN
fsr-3477	291	45	fund	fund	NOUN
fsr-3477	291	46	0.69	0.69	NUM
fsr-3477	291	47	*	*	PUNCT
fsr-3477	291	48	*	*	AUX
fsr-3477	291	49	saving	save	VERB
fsr-3477	291	50	for	for	ADP
fsr-3477	291	51	unemployment	unemployment	NOUN
fsr-3477	291	52	1.01	1.01	NUM
fsr-3477	291	53	saving	saving	NOUN
fsr-3477	291	54	for	for	ADP
fsr-3477	291	55	illness	illness	NOUN
fsr-3477	291	56	0.93	0.93	NUM
fsr-3477	291	57	ability	ability	NOUN
fsr-3477	291	58	to	to	PART
fsr-3477	291	59	borrow	borrow	VERB
fsr-3477	291	60	0.84	0.84	NUM
fsr-3477	291	61	self	self	NOUN
fsr-3477	291	62	employed	employ	VERB
fsr-3477	291	63	1.15	1.15	NUM
fsr-3477	291	64	have	have	VERB
fsr-3477	291	65	liquid	liquid	ADJ
fsr-3477	291	66	accounts	account	NOUN
fsr-3477	291	67	1.35	1.35	NUM
fsr-3477	291	68	*	*	NOUN
fsr-3477	291	69	*	*	NOUN
fsr-3477	291	70	self	self	NOUN
fsr-3477	291	71	-	-	PUNCT
fsr-3477	291	72	control	control	NOUN
fsr-3477	291	73	behind	behind	ADV
fsr-3477	291	74	on	on	ADP
fsr-3477	291	75	payments	payment	NOUN
fsr-3477	291	76	2.14	2.14	NUM
fsr-3477	291	77	*	*	PUNCT
fsr-3477	291	78	*	*	PUNCT
fsr-3477	291	79	positive	positive	ADJ
fsr-3477	291	80	attitude	attitude	NOUN
fsr-3477	291	81	toward	toward	ADP
fsr-3477	291	82	credit	credit	NOUN
fsr-3477	291	83	1.22	1.22	NUM
fsr-3477	291	84	negative	negative	ADJ
fsr-3477	291	85	attitude	attitude	NOUN
fsr-3477	291	86	toward	toward	ADP
fsr-3477	291	87	credit	credit	NOUN
fsr-3477	291	88	0.82	0.82	NUM
fsr-3477	291	89	bankruptcy	bankruptcy	NOUN
fsr-3477	291	90	history	history	NOUN
fsr-3477	291	91	3.67	3.67	NUM
fsr-3477	291	92	*	*	PUNCT
fsr-3477	291	93	*	*	PUNCT
fsr-3477	291	94	*	*	PUNCT
fsr-3477	291	95	likely	likely	ADJ
fsr-3477	291	96	to	to	PART
fsr-3477	291	97	increase	increase	VERB
fsr-3477	291	98	spending	spend	VERB
fsr-3477	291	99	1.21	1.21	NUM
fsr-3477	291	100	unwilling	unwilling	ADJ
fsr-3477	291	101	to	to	PART
fsr-3477	291	102	reduce	reduce	VERB
fsr-3477	291	103	spending	spend	VERB
fsr-3477	291	104	0.85	0.85	NUM
fsr-3477	291	105	lifecycle	lifecycle	NOUN
fsr-3477	291	106	factors	factor	NOUN
fsr-3477	291	107	age	age	NOUN
fsr-3477	291	108	age	age	NOUN
fsr-3477	291	109	35–55	35–55	NUM
fsr-3477	291	110	1.17	1.17	NUM
fsr-3477	291	111	age	age	NOUN
fsr-3477	291	112	55	55	NUM
fsr-3477	291	113	+	+	NUM
fsr-3477	291	114	0.58	0.58	NUM
fsr-3477	291	115	*	*	NOUN
fsr-3477	291	116	*	*	PUNCT
fsr-3477	291	117	female	female	ADJ
fsr-3477	291	118	1.06	1.06	NUM
fsr-3477	291	119	not	not	PART
fsr-3477	291	120	married	marry	VERB
fsr-3477	291	121	0.83	0.83	NUM
fsr-3477	291	122	race	race	NOUN
fsr-3477	291	123	black	black	ADJ
fsr-3477	291	124	4.09	4.09	NUM
fsr-3477	291	125	*	*	PUNCT
fsr-3477	291	126	*	*	PUNCT
fsr-3477	291	127	*	*	PUNCT
fsr-3477	291	128	hispanic	hispanic	ADJ
fsr-3477	291	129	1.72	1.72	NUM
fsr-3477	291	130	*	*	PUNCT
fsr-3477	291	131	*	*	PUNCT
fsr-3477	291	132	other	other	ADJ
fsr-3477	291	133	0.83	0.83	NUM
fsr-3477	291	134	log	log	NOUN
fsr-3477	291	135	income	income	NOUN
fsr-3477	291	136	0.82	0.82	NUM
fsr-3477	291	137	*	*	PUNCT
fsr-3477	291	138	*	*	PUNCT
fsr-3477	291	139	*	*	PUNCT
fsr-3477	291	140	log	log	PROPN
fsr-3477	291	141	net	net	NOUN
fsr-3477	291	142	worth	worth	ADJ
fsr-3477	291	143	0.90	0.90	NUM
fsr-3477	291	144	*	*	PUNCT
fsr-3477	291	145	*	*	PUNCT
fsr-3477	291	146	*	*	SYM
fsr-3477	291	147	120	120	NUM
fsr-3477	291	148	l.	l.	PROPN
fsr-3477	291	149	c.	c.	PROPN
fsr-3477	291	150	ricaldi	ricaldi	PROPN
fsr-3477	291	151	et	et	PROPN
fsr-3477	291	152	al	al	PROPN
fsr-3477	291	153	.	.	PUNCT
fsr-3477	291	154	/	/	SYM
fsr-3477	291	155	financial	financial	ADJ
fsr-3477	291	156	services	service	NOUN
fsr-3477	291	157	review	review	VERB
fsr-3477	291	158	30	30	NUM
fsr-3477	291	159	(	(	PUNCT
fsr-3477	291	160	2022	2022	NUM
fsr-3477	291	161	)	)	PUNCT
fsr-3477	291	162	107–124	107–124	NUM
fsr-3477	291	163	increase	increase	NOUN
fsr-3477	291	164	in	in	ADP
fsr-3477	291	165	the	the	DET
fsr-3477	291	166	likelihood	likelihood	NOUN
fsr-3477	291	167	of	of	AUX
fsr-3477	291	168	be	be	AUX
fsr-3477	291	169	a	a	DET
fsr-3477	291	170	solvent	solvent	NOUN
fsr-3477	291	171	revolver	revolver	NOUN
fsr-3477	291	172	.	.	PUNCT
fsr-3477	292	1	black	black	ADJ
fsr-3477	292	2	and	and	CCONJ
fsr-3477	292	3	hispanic	hispanic	ADJ
fsr-3477	292	4	households	household	NOUN
fsr-3477	292	5	are	be	AUX
fsr-3477	292	6	309	309	NUM
fsr-3477	292	7	%	%	NOUN
fsr-3477	292	8	and	and	CCONJ
fsr-3477	292	9	72	72	NUM
fsr-3477	292	10	%	%	NOUN
fsr-3477	292	11	more	more	ADV
fsr-3477	292	12	likely	likely	ADJ
fsr-3477	292	13	to	to	PART
fsr-3477	292	14	be	be	AUX
fsr-3477	292	15	solvent	solvent	ADJ
fsr-3477	292	16	revolvers	revolver	NOUN
fsr-3477	292	17	,	,	PUNCT
fsr-3477	292	18	respectively	respectively	ADV
fsr-3477	292	19	,	,	PUNCT
fsr-3477	292	20	compared	compare	VERB
fsr-3477	292	21	with	with	ADP
fsr-3477	292	22	white	white	ADJ
fsr-3477	292	23	households	household	NOUN
fsr-3477	292	24	.	.	PUNCT
fsr-3477	293	1	income	income	NOUN
fsr-3477	293	2	and	and	CCONJ
fsr-3477	293	3	net	net	ADJ
fsr-3477	293	4	worth	worth	NOUN
fsr-3477	293	5	are	be	AUX
fsr-3477	293	6	also	also	ADV
fsr-3477	293	7	statistically	statistically	ADV
fsr-3477	293	8	significant	significant	ADJ
fsr-3477	293	9	at	at	ADP
fsr-3477	293	10	reducing	reduce	VERB
fsr-3477	293	11	the	the	DET
fsr-3477	293	12	likelihood	likelihood	NOUN
fsr-3477	293	13	of	of	ADP
fsr-3477	293	14	being	be	AUX
fsr-3477	293	15	a	a	DET
fsr-3477	293	16	solvent	solvent	NOUN
fsr-3477	293	17	revolver	revolver	NOUN
fsr-3477	293	18	.	.	PUNCT
fsr-3477	294	1	a	a	DET
fsr-3477	294	2	one	one	NUM
fsr-3477	294	3	percentage	percentage	NOUN
fsr-3477	294	4	increase	increase	NOUN
fsr-3477	294	5	in	in	ADP
fsr-3477	294	6	income	income	NOUN
fsr-3477	294	7	,	,	PUNCT
fsr-3477	294	8	decreases	decrease	VERB
fsr-3477	294	9	the	the	DET
fsr-3477	294	10	likelihood	likelihood	NOUN
fsr-3477	294	11	of	of	ADP
fsr-3477	294	12	being	be	AUX
fsr-3477	294	13	a	a	DET
fsr-3477	294	14	solvent	solvent	NOUN
fsr-3477	294	15	revolver	revolver	NOUN
fsr-3477	294	16	by	by	ADP
fsr-3477	294	17	18	18	NUM
fsr-3477	294	18	%	%	NOUN
fsr-3477	294	19	.	.	PUNCT
fsr-3477	295	1	similarly	similarly	ADV
fsr-3477	295	2	,	,	PUNCT
fsr-3477	295	3	a	a	DET
fsr-3477	295	4	positive	positive	ADJ
fsr-3477	295	5	one	one	NUM
fsr-3477	295	6	percentage	percentage	NOUN
fsr-3477	295	7	point	point	NOUN
fsr-3477	295	8	change	change	NOUN
fsr-3477	295	9	in	in	ADP
fsr-3477	295	10	net	net	ADJ
fsr-3477	295	11	worth	worth	NOUN
fsr-3477	295	12	decreases	decrease	VERB
fsr-3477	295	13	the	the	DET
fsr-3477	295	14	likelihood	likelihood	NOUN
fsr-3477	295	15	of	of	ADP
fsr-3477	295	16	being	be	AUX
fsr-3477	295	17	a	a	DET
fsr-3477	295	18	solvent	solvent	NOUN
fsr-3477	295	19	revolver	revolver	NOUN
fsr-3477	295	20	by	by	ADP
fsr-3477	295	21	10	10	NUM
fsr-3477	295	22	%	%	NOUN
fsr-3477	295	23	.	.	PUNCT
fsr-3477	296	1	7	7	X
fsr-3477	296	2	.	.	X
fsr-3477	296	3	discussion	discussion	NOUN
fsr-3477	296	4	the	the	DET
fsr-3477	296	5	research	research	NOUN
fsr-3477	296	6	investigates	investigate	VERB
fsr-3477	296	7	the	the	DET
fsr-3477	296	8	effect	effect	NOUN
fsr-3477	296	9	of	of	ADP
fsr-3477	296	10	financial	financial	ADJ
fsr-3477	296	11	literacy	literacy	NOUN
fsr-3477	296	12	and	and	CCONJ
fsr-3477	296	13	other	other	ADJ
fsr-3477	296	14	behavioral	behavioral	ADJ
fsr-3477	296	15	factors	factor	NOUN
fsr-3477	296	16	on	on	ADP
fsr-3477	296	17	credit	credit	NOUN
fsr-3477	296	18	card	card	NOUN
fsr-3477	296	19	debt	debt	NOUN
fsr-3477	296	20	puzzle	puzzle	NOUN
fsr-3477	296	21	.	.	PUNCT
fsr-3477	297	1	there	there	PRON
fsr-3477	297	2	is	be	VERB
fsr-3477	297	3	a	a	DET
fsr-3477	297	4	limited	limited	ADJ
fsr-3477	297	5	pool	pool	NOUN
fsr-3477	297	6	of	of	ADP
fsr-3477	297	7	empirical	empirical	ADJ
fsr-3477	297	8	literature	literature	NOUN
fsr-3477	297	9	on	on	ADP
fsr-3477	297	10	the	the	DET
fsr-3477	297	11	credit	credit	NOUN
fsr-3477	297	12	card	card	NOUN
fsr-3477	297	13	debit	debit	NOUN
fsr-3477	297	14	puzzle	puzzle	NOUN
fsr-3477	297	15	.	.	PUNCT
fsr-3477	298	1	to	to	PART
fsr-3477	298	2	be	be	AUX
fsr-3477	298	3	more	more	ADV
fsr-3477	298	4	specific	specific	ADJ
fsr-3477	298	5	,	,	PUNCT
fsr-3477	298	6	this	this	DET
fsr-3477	298	7	study	study	NOUN
fsr-3477	298	8	aims	aim	VERB
fsr-3477	298	9	to	to	PART
fsr-3477	298	10	evaluate	evaluate	VERB
fsr-3477	298	11	solvent	solvent	ADJ
fsr-3477	298	12	revolving	revolving	NOUN
fsr-3477	298	13	credit	credit	NOUN
fsr-3477	298	14	card	card	NOUN
fsr-3477	298	15	users	user	NOUN
fsr-3477	298	16	and	and	CCONJ
fsr-3477	298	17	their	their	PRON
fsr-3477	298	18	financial	financial	ADJ
fsr-3477	298	19	literacy	literacy	NOUN
fsr-3477	298	20	compared	compare	VERB
fsr-3477	298	21	with	with	ADP
fsr-3477	298	22	insolvent	insolvent	ADJ
fsr-3477	298	23	revolvers	revolver	NOUN
fsr-3477	298	24	and	and	CCONJ
fsr-3477	298	25	convenience	convenience	NOUN
fsr-3477	298	26	users	user	NOUN
fsr-3477	298	27	of	of	ADP
fsr-3477	298	28	credit	credit	NOUN
fsr-3477	298	29	cards	card	NOUN
fsr-3477	298	30	.	.	PUNCT
fsr-3477	299	1	based	base	VERB
fsr-3477	299	2	on	on	ADP
fsr-3477	299	3	the	the	DET
fsr-3477	299	4	behavioral	behavioral	ADJ
fsr-3477	299	5	life	life	NOUN
fsr-3477	299	6	-	-	PUNCT
fsr-3477	299	7	cycle	cycle	NOUN
fsr-3477	299	8	hypothesis	hypothesis	NOUN
fsr-3477	299	9	and	and	CCONJ
fsr-3477	299	10	human	human	ADJ
fsr-3477	299	11	capital	capital	NOUN
fsr-3477	299	12	theory	theory	NOUN
fsr-3477	299	13	,	,	PUNCT
fsr-3477	299	14	the	the	DET
fsr-3477	299	15	results	result	NOUN
fsr-3477	299	16	provide	provide	VERB
fsr-3477	299	17	an	an	DET
fsr-3477	299	18	extension	extension	NOUN
fsr-3477	299	19	of	of	ADP
fsr-3477	299	20	the	the	DET
fsr-3477	299	21	current	current	ADJ
fsr-3477	299	22	literature	literature	NOUN
fsr-3477	299	23	.	.	PUNCT
fsr-3477	300	1	human	human	ADJ
fsr-3477	300	2	capital	capital	NOUN
fsr-3477	300	3	plays	play	VERB
fsr-3477	300	4	a	a	DET
fsr-3477	300	5	role	role	NOUN
fsr-3477	300	6	in	in	ADP
fsr-3477	300	7	the	the	DET
fsr-3477	300	8	decision	decision	NOUN
fsr-3477	300	9	to	to	PART
fsr-3477	300	10	display	display	VERB
fsr-3477	300	11	the	the	DET
fsr-3477	300	12	credit	credit	NOUN
fsr-3477	300	13	card	card	NOUN
fsr-3477	300	14	debt	debt	NOUN
fsr-3477	300	15	puzzle	puzzle	NOUN
fsr-3477	300	16	.	.	PUNCT
fsr-3477	301	1	hypothesis	hypothesis	NOUN
fsr-3477	301	2	1	1	NUM
fsr-3477	301	3	suggests	suggest	VERB
fsr-3477	301	4	solvent	solvent	ADJ
fsr-3477	301	5	revolvers	revolver	NOUN
fsr-3477	301	6	will	will	AUX
fsr-3477	301	7	have	have	VERB
fsr-3477	301	8	a	a	DET
fsr-3477	301	9	lower	low	ADJ
fsr-3477	301	10	level	level	NOUN
fsr-3477	301	11	of	of	ADP
fsr-3477	301	12	financial	financial	ADJ
fsr-3477	301	13	literacy	literacy	NOUN
fsr-3477	301	14	than	than	ADP
fsr-3477	301	15	convenience	convenience	NOUN
fsr-3477	301	16	users	user	NOUN
fsr-3477	301	17	.	.	PUNCT
fsr-3477	302	1	regarding	regard	VERB
fsr-3477	302	2	specific	specific	ADJ
fsr-3477	302	3	financial	financial	ADJ
fsr-3477	302	4	human	human	ADJ
fsr-3477	302	5	capital	capital	NOUN
fsr-3477	302	6	,	,	PUNCT
fsr-3477	302	7	solvent	solvent	ADJ
fsr-3477	302	8	credit	credit	NOUN
fsr-3477	302	9	card	card	NOUN
fsr-3477	302	10	revolvers	revolver	NOUN
fsr-3477	302	11	have	have	VERB
fsr-3477	302	12	a	a	DET
fsr-3477	302	13	lower	low	ADJ
fsr-3477	302	14	level	level	NOUN
fsr-3477	302	15	of	of	ADP
fsr-3477	302	16	financial	financial	ADJ
fsr-3477	302	17	literacy	literacy	NOUN
fsr-3477	302	18	than	than	ADP
fsr-3477	302	19	convenience	convenience	NOUN
fsr-3477	302	20	users	user	NOUN
fsr-3477	302	21	.	.	PUNCT
fsr-3477	303	1	however	however	ADV
fsr-3477	303	2	,	,	PUNCT
fsr-3477	303	3	solvent	solvent	ADJ
fsr-3477	303	4	revolvers	revolver	NOUN
fsr-3477	303	5	should	should	AUX
fsr-3477	303	6	be	be	AUX
fsr-3477	303	7	more	more	ADV
fsr-3477	303	8	financially	financially	ADV
fsr-3477	303	9	literate	literate	ADJ
fsr-3477	303	10	than	than	ADP
fsr-3477	303	11	insolvent	insolvent	ADJ
fsr-3477	303	12	revolving	revolve	VERB
fsr-3477	303	13	users	user	NOUN
fsr-3477	303	14	.	.	PUNCT
fsr-3477	304	1	the	the	DET
fsr-3477	304	2	findings	finding	NOUN
fsr-3477	304	3	of	of	ADP
fsr-3477	304	4	this	this	DET
fsr-3477	304	5	paper	paper	NOUN
fsr-3477	304	6	support	support	NOUN
fsr-3477	304	7	previous	previous	ADJ
fsr-3477	304	8	literature	literature	NOUN
fsr-3477	304	9	that	that	PRON
fsr-3477	304	10	solvent	solvent	ADJ
fsr-3477	304	11	revolvers	revolver	NOUN
fsr-3477	304	12	are	be	AUX
fsr-3477	304	13	not	not	PART
fsr-3477	304	14	necessarily	necessarily	ADV
fsr-3477	304	15	more	more	ADV
fsr-3477	304	16	financially	financially	ADV
fsr-3477	304	17	literate	literate	ADJ
fsr-3477	304	18	than	than	ADP
fsr-3477	304	19	insolvent	insolvent	ADJ
fsr-3477	304	20	revolvers	revolver	NOUN
fsr-3477	304	21	but	but	CCONJ
fsr-3477	304	22	moderating	moderate	VERB
fsr-3477	304	23	factors	factor	NOUN
fsr-3477	304	24	such	such	ADJ
fsr-3477	304	25	as	as	ADP
fsr-3477	304	26	having	have	VERB
fsr-3477	304	27	a	a	DET
fsr-3477	304	28	college	college	NOUN
fsr-3477	304	29	degree	degree	NOUN
fsr-3477	304	30	play	play	VERB
fsr-3477	304	31	an	an	DET
fsr-3477	304	32	important	important	ADJ
fsr-3477	304	33	role	role	NOUN
fsr-3477	304	34	(	(	PUNCT
fsr-3477	304	35	bertaut	bertaut	PROPN
fsr-3477	304	36	et	et	PROPN
fsr-3477	304	37	al	al	PROPN
fsr-3477	304	38	.	.	PROPN
fsr-3477	304	39	,	,	PUNCT
fsr-3477	304	40	2009	2009	NUM
fsr-3477	304	41	;	;	PUNCT
fsr-3477	304	42	haliassos	haliassos	PROPN
fsr-3477	304	43	&	&	CCONJ
fsr-3477	304	44	reiter	reiter	PROPN
fsr-3477	304	45	,	,	PUNCT
fsr-3477	304	46	2005	2005	NUM
fsr-3477	304	47	)	)	PUNCT
fsr-3477	304	48	.	.	PUNCT
fsr-3477	305	1	unsurprisingly	unsurprisingly	ADV
fsr-3477	305	2	,	,	PUNCT
fsr-3477	305	3	insolvent	insolvent	ADJ
fsr-3477	305	4	and	and	CCONJ
fsr-3477	305	5	solvent	solvent	ADJ
fsr-3477	305	6	credit	credit	NOUN
fsr-3477	305	7	card	card	NOUN
fsr-3477	305	8	users	user	NOUN
fsr-3477	305	9	are	be	AUX
fsr-3477	305	10	less	less	ADV
fsr-3477	305	11	likely	likely	ADJ
fsr-3477	305	12	to	to	PART
fsr-3477	305	13	have	have	VERB
fsr-3477	305	14	college	college	NOUN
fsr-3477	305	15	degrees	degree	NOUN
fsr-3477	305	16	compared	compare	VERB
fsr-3477	305	17	with	with	ADP
fsr-3477	305	18	convenience	convenience	NOUN
fsr-3477	305	19	users	user	NOUN
fsr-3477	305	20	;	;	PUNCT
fsr-3477	305	21	as	as	ADP
fsr-3477	305	22	a	a	DET
fsr-3477	305	23	result	result	NOUN
fsr-3477	305	24	,	,	PUNCT
fsr-3477	305	25	households	household	NOUN
fsr-3477	305	26	should	should	AUX
fsr-3477	305	27	seek	seek	VERB
fsr-3477	305	28	as	as	ADV
fsr-3477	305	29	much	much	ADJ
fsr-3477	305	30	financial	financial	ADJ
fsr-3477	305	31	knowledge	knowledge	NOUN
fsr-3477	305	32	as	as	ADP
fsr-3477	305	33	possible	possible	ADJ
fsr-3477	305	34	or	or	CCONJ
fsr-3477	305	35	invest	invest	VERB
fsr-3477	305	36	in	in	ADP
fsr-3477	305	37	assistance	assistance	NOUN
fsr-3477	305	38	from	from	ADP
fsr-3477	305	39	a	a	DET
fsr-3477	305	40	financial	financial	ADJ
fsr-3477	305	41	planner	planner	NOUN
fsr-3477	305	42	or	or	CCONJ
fsr-3477	305	43	counselor	counselor	NOUN
fsr-3477	305	44	when	when	SCONJ
fsr-3477	305	45	making	make	VERB
fsr-3477	305	46	critical	critical	ADJ
fsr-3477	305	47	financial	financial	ADJ
fsr-3477	305	48	decisions	decision	NOUN
fsr-3477	305	49	.	.	PUNCT
fsr-3477	306	1	several	several	ADJ
fsr-3477	306	2	factors	factor	NOUN
fsr-3477	306	3	in	in	ADP
fsr-3477	306	4	the	the	DET
fsr-3477	306	5	mental	mental	ADJ
fsr-3477	306	6	accounting	accounting	NOUN
fsr-3477	306	7	concept	concept	NOUN
fsr-3477	306	8	seem	seem	VERB
fsr-3477	306	9	to	to	PART
fsr-3477	306	10	have	have	VERB
fsr-3477	306	11	an	an	DET
fsr-3477	306	12	impact	impact	NOUN
fsr-3477	306	13	on	on	ADP
fsr-3477	306	14	households	household	NOUN
fsr-3477	306	15	’	'	PUNCT
fsr-3477	306	16	credit	credit	NOUN
fsr-3477	306	17	card	card	NOUN
fsr-3477	306	18	debt	debt	NOUN
fsr-3477	306	19	use	use	NOUN
fsr-3477	306	20	.	.	PUNCT
fsr-3477	307	1	hypothesis	hypothesis	NOUN
fsr-3477	307	2	2	2	NUM
fsr-3477	307	3	suggests	suggest	VERB
fsr-3477	307	4	that	that	SCONJ
fsr-3477	307	5	solvent	solvent	ADJ
fsr-3477	307	6	revolvers	revolver	NOUN
fsr-3477	307	7	would	would	AUX
fsr-3477	307	8	be	be	AUX
fsr-3477	307	9	more	more	ADV
fsr-3477	307	10	likely	likely	ADJ
fsr-3477	307	11	to	to	PART
fsr-3477	307	12	display	display	VERB
fsr-3477	307	13	mental	mental	ADJ
fsr-3477	307	14	accounting	accounting	NOUN
fsr-3477	307	15	and	and	CCONJ
fsr-3477	307	16	have	have	VERB
fsr-3477	307	17	higher	high	ADJ
fsr-3477	307	18	precautionary	precautionary	ADJ
fsr-3477	307	19	savings	saving	NOUN
fsr-3477	307	20	motives	motive	NOUN
fsr-3477	307	21	than	than	ADP
fsr-3477	307	22	convenience	convenience	NOUN
fsr-3477	307	23	users	user	NOUN
fsr-3477	307	24	.	.	PUNCT
fsr-3477	308	1	households	household	NOUN
fsr-3477	308	2	that	that	PRON
fsr-3477	308	3	report	report	VERB
fsr-3477	308	4	having	have	VERB
fsr-3477	308	5	an	an	DET
fsr-3477	308	6	emergency	emergency	NOUN
fsr-3477	308	7	fund	fund	NOUN
fsr-3477	308	8	are	be	AUX
fsr-3477	308	9	less	less	ADV
fsr-3477	308	10	likely	likely	ADJ
fsr-3477	308	11	to	to	PART
fsr-3477	308	12	revolve	revolve	VERB
fsr-3477	308	13	credit	credit	NOUN
fsr-3477	308	14	card	card	NOUN
fsr-3477	308	15	debt	debt	NOUN
fsr-3477	308	16	.	.	PUNCT
fsr-3477	309	1	this	this	DET
fsr-3477	309	2	finding	finding	NOUN
fsr-3477	309	3	is	be	AUX
fsr-3477	309	4	inconsistent	inconsistent	ADJ
fsr-3477	309	5	with	with	ADP
fsr-3477	309	6	previous	previous	ADJ
fsr-3477	309	7	research	research	NOUN
fsr-3477	309	8	that	that	PRON
fsr-3477	309	9	households	household	NOUN
fsr-3477	309	10	that	that	PRON
fsr-3477	309	11	display	display	VERB
fsr-3477	309	12	the	the	DET
fsr-3477	309	13	credit	credit	NOUN
fsr-3477	309	14	card	card	NOUN
fsr-3477	309	15	debt	debt	NOUN
fsr-3477	309	16	puzzle	puzzle	NOUN
fsr-3477	309	17	are	be	AUX
fsr-3477	309	18	more	more	ADV
fsr-3477	309	19	likely	likely	ADJ
fsr-3477	309	20	to	to	PART
fsr-3477	309	21	have	have	VERB
fsr-3477	309	22	a	a	DET
fsr-3477	309	23	precautionary	precautionary	ADJ
fsr-3477	309	24	savings	saving	NOUN
fsr-3477	309	25	motive	motive	NOUN
fsr-3477	309	26	(	(	PUNCT
fsr-3477	309	27	bi	bi	NOUN
fsr-3477	309	28	&	&	CCONJ
fsr-3477	309	29	hanna	hanna	PROPN
fsr-3477	309	30	,	,	PUNCT
fsr-3477	309	31	2006	2006	NUM
fsr-3477	309	32	;	;	PUNCT
fsr-3477	309	33	telyukova	telyukova	PROPN
fsr-3477	309	34	&	&	CCONJ
fsr-3477	309	35	wright	wright	PROPN
fsr-3477	309	36	,	,	PUNCT
fsr-3477	309	37	2008	2008	NUM
fsr-3477	309	38	,	,	PUNCT
fsr-3477	309	39	gorbachev	gorbachev	PROPN
fsr-3477	309	40	&	&	CCONJ
fsr-3477	309	41	luengo	luengo	PROPN
fsr-3477	309	42	-	-	PUNCT
fsr-3477	309	43	prado	prado	PROPN
fsr-3477	309	44	,	,	PUNCT
fsr-3477	309	45	2019	2019	NUM
fsr-3477	309	46	)	)	PUNCT
fsr-3477	309	47	.	.	PUNCT
fsr-3477	310	1	self	self	NOUN
fsr-3477	310	2	-	-	PUNCT
fsr-3477	310	3	employed	employ	VERB
fsr-3477	310	4	households	household	NOUN
fsr-3477	310	5	are	be	AUX
fsr-3477	310	6	less	less	ADV
fsr-3477	310	7	likely	likely	ADJ
fsr-3477	310	8	to	to	PART
fsr-3477	310	9	be	be	AUX
fsr-3477	310	10	revolvers	revolver	NOUN
fsr-3477	310	11	in	in	ADP
fsr-3477	310	12	general	general	ADJ
fsr-3477	310	13	and	and	CCONJ
fsr-3477	310	14	less	less	ADV
fsr-3477	310	15	likely	likely	ADJ
fsr-3477	310	16	to	to	PART
fsr-3477	310	17	be	be	AUX
fsr-3477	310	18	solvent	solvent	ADJ
fsr-3477	310	19	revolvers	revolver	NOUN
fsr-3477	310	20	.	.	PUNCT
fsr-3477	311	1	this	this	DET
fsr-3477	311	2	finding	finding	NOUN
fsr-3477	311	3	suggests	suggest	VERB
fsr-3477	311	4	that	that	SCONJ
fsr-3477	311	5	households	household	NOUN
fsr-3477	311	6	that	that	PRON
fsr-3477	311	7	are	be	AUX
fsr-3477	311	8	self	self	NOUN
fsr-3477	311	9	-	-	PUNCT
fsr-3477	311	10	employed	employ	VERB
fsr-3477	311	11	use	use	NOUN
fsr-3477	311	12	credit	credit	NOUN
fsr-3477	311	13	cards	card	NOUN
fsr-3477	311	14	for	for	ADP
fsr-3477	311	15	convenience	convenience	NOUN
fsr-3477	311	16	purposes	purpose	NOUN
fsr-3477	311	17	.	.	PUNCT
fsr-3477	312	1	the	the	DET
fsr-3477	312	2	impact	impact	NOUN
fsr-3477	312	3	of	of	ADP
fsr-3477	312	4	family	family	NOUN
fsr-3477	312	5	and	and	CCONJ
fsr-3477	312	6	friends	friend	NOUN
fsr-3477	312	7	was	be	AUX
fsr-3477	312	8	presented	present	VERB
fsr-3477	312	9	in	in	ADP
fsr-3477	312	10	the	the	DET
fsr-3477	312	11	results	result	NOUN
fsr-3477	312	12	.	.	PUNCT
fsr-3477	313	1	the	the	DET
fsr-3477	313	2	ability	ability	NOUN
fsr-3477	313	3	to	to	PART
fsr-3477	313	4	borrow	borrow	VERB
fsr-3477	313	5	increased	increase	VERB
fsr-3477	313	6	the	the	DET
fsr-3477	313	7	likelihood	likelihood	NOUN
fsr-3477	313	8	to	to	PART
fsr-3477	313	9	be	be	AUX
fsr-3477	313	10	an	an	DET
fsr-3477	313	11	insolvent	insolvent	ADJ
fsr-3477	313	12	revolver	revolver	NOUN
fsr-3477	313	13	in	in	ADP
fsr-3477	313	14	the	the	DET
fsr-3477	313	15	mlr	mlr	NOUN
fsr-3477	313	16	models	model	NOUN
fsr-3477	313	17	that	that	PRON
fsr-3477	313	18	included	include	VERB
fsr-3477	313	19	human	human	ADJ
fsr-3477	313	20	capital	capital	NOUN
fsr-3477	313	21	,	,	PUNCT
fsr-3477	313	22	mental	mental	ADJ
fsr-3477	313	23	accounting	accounting	NOUN
fsr-3477	313	24	,	,	PUNCT
fsr-3477	313	25	and	and	CCONJ
fsr-3477	313	26	self	self	NOUN
fsr-3477	313	27	-	-	PUNCT
fsr-3477	313	28	control	control	NOUN
fsr-3477	313	29	but	but	CCONJ
fsr-3477	313	30	not	not	PART
fsr-3477	313	31	in	in	ADP
fsr-3477	313	32	the	the	DET
fsr-3477	313	33	full	full	ADJ
fsr-3477	313	34	model	model	NOUN
fsr-3477	313	35	that	that	PRON
fsr-3477	313	36	includes	include	VERB
fsr-3477	313	37	lifecycle	lifecycle	NOUN
fsr-3477	313	38	factors	factor	NOUN
fsr-3477	313	39	that	that	SCONJ
fsr-3477	313	40	differentiation	differentiation	NOUN
fsr-3477	313	41	from	from	ADP
fsr-3477	313	42	convenience	convenience	NOUN
fsr-3477	313	43	users	user	NOUN
fsr-3477	313	44	goes	go	VERB
fsr-3477	313	45	away	away	ADV
fsr-3477	313	46	.	.	PUNCT
fsr-3477	314	1	the	the	DET
fsr-3477	314	2	ability	ability	NOUN
fsr-3477	314	3	to	to	PART
fsr-3477	314	4	borrow	borrow	VERB
fsr-3477	314	5	allows	allow	VERB
fsr-3477	314	6	households	household	NOUN
fsr-3477	314	7	who	who	PRON
fsr-3477	314	8	may	may	AUX
fsr-3477	314	9	otherwise	otherwise	ADV
fsr-3477	314	10	be	be	AUX
fsr-3477	314	11	solvent	solvent	ADJ
fsr-3477	314	12	revolvers	revolver	NOUN
fsr-3477	314	13	to	to	PART
fsr-3477	314	14	be	be	AUX
fsr-3477	314	15	more	more	ADV
fsr-3477	314	16	like	like	ADP
fsr-3477	314	17	convenience	convenience	NOUN
fsr-3477	314	18	users	user	NOUN
fsr-3477	314	19	across	across	ADP
fsr-3477	314	20	all	all	DET
fsr-3477	314	21	models	model	NOUN
fsr-3477	314	22	.	.	PUNCT
fsr-3477	315	1	last	last	ADJ
fsr-3477	315	2	,	,	PUNCT
fsr-3477	315	3	having	have	VERB
fsr-3477	315	4	liquid	liquid	ADJ
fsr-3477	315	5	accounts	account	NOUN
fsr-3477	315	6	provides	provide	VERB
fsr-3477	315	7	us	we	PRON
fsr-3477	315	8	with	with	ADP
fsr-3477	315	9	mixed	mixed	ADJ
fsr-3477	315	10	results	result	NOUN
fsr-3477	315	11	but	but	CCONJ
fsr-3477	315	12	highlights	highlight	NOUN
fsr-3477	315	13	a	a	DET
fsr-3477	315	14	notable	notable	ADJ
fsr-3477	315	15	difference	difference	NOUN
fsr-3477	315	16	between	between	ADP
fsr-3477	315	17	the	the	DET
fsr-3477	315	18	credit	credit	NOUN
fsr-3477	315	19	card	card	NOUN
fsr-3477	315	20	user	user	NOUN
fsr-3477	315	21	groups	group	NOUN
fsr-3477	315	22	.	.	PUNCT
fsr-3477	316	1	households	household	NOUN
fsr-3477	316	2	who	who	PRON
fsr-3477	316	3	report	report	VERB
fsr-3477	316	4	l.	l.	PROPN
fsr-3477	316	5	c.	c.	PROPN
fsr-3477	316	6	ricaldi	ricaldi	PROPN
fsr-3477	316	7	et	et	PROPN
fsr-3477	316	8	al	al	PROPN
fsr-3477	316	9	.	.	PUNCT
fsr-3477	316	10	/	/	SYM
fsr-3477	316	11	financial	financial	ADJ
fsr-3477	316	12	services	service	NOUN
fsr-3477	316	13	review	review	VERB
fsr-3477	316	14	30	30	NUM
fsr-3477	316	15	(	(	PUNCT
fsr-3477	316	16	2022	2022	NUM
fsr-3477	316	17	)	)	PUNCT
fsr-3477	317	1	107–124	107–124	NUM
fsr-3477	317	2	121	121	NUM
fsr-3477	317	3	having	have	VERB
fsr-3477	317	4	accounts	account	NOUN
fsr-3477	317	5	such	such	ADJ
fsr-3477	317	6	as	as	ADP
fsr-3477	317	7	checking	checking	NOUN
fsr-3477	317	8	and	and	CCONJ
fsr-3477	317	9	savings	saving	NOUN
fsr-3477	317	10	which	which	PRON
fsr-3477	317	11	are	be	AUX
fsr-3477	317	12	not	not	PART
fsr-3477	317	13	earmarked	earmark	VERB
fsr-3477	317	14	for	for	ADP
fsr-3477	317	15	emergencies	emergency	NOUN
fsr-3477	317	16	are	be	AUX
fsr-3477	317	17	more	more	ADV
fsr-3477	317	18	likely	likely	ADJ
fsr-3477	317	19	to	to	PART
fsr-3477	317	20	be	be	AUX
fsr-3477	317	21	solvent	solvent	ADJ
fsr-3477	317	22	revolvers	revolver	NOUN
fsr-3477	317	23	.	.	PUNCT
fsr-3477	318	1	this	this	DET
fsr-3477	318	2	finding	finding	NOUN
fsr-3477	318	3	suggests	suggest	VERB
fsr-3477	318	4	that	that	SCONJ
fsr-3477	318	5	households	household	NOUN
fsr-3477	318	6	that	that	PRON
fsr-3477	318	7	save	save	VERB
fsr-3477	318	8	liquid	liquid	ADJ
fsr-3477	318	9	assets	asset	NOUN
fsr-3477	318	10	in	in	ADP
fsr-3477	318	11	different	different	ADJ
fsr-3477	318	12	accounts	account	NOUN
fsr-3477	318	13	will	will	AUX
fsr-3477	318	14	choose	choose	VERB
fsr-3477	318	15	not	not	PART
fsr-3477	318	16	to	to	PART
fsr-3477	318	17	pay	pay	VERB
fsr-3477	318	18	off	off	ADP
fsr-3477	318	19	their	their	PRON
fsr-3477	318	20	credit	credit	NOUN
fsr-3477	318	21	card	card	NOUN
fsr-3477	318	22	balance	balance	NOUN
fsr-3477	318	23	with	with	ADP
fsr-3477	318	24	those	those	DET
fsr-3477	318	25	earmarked	earmark	VERB
fsr-3477	318	26	funds	fund	NOUN
fsr-3477	318	27	.	.	PUNCT
fsr-3477	319	1	those	those	PRON
fsr-3477	319	2	who	who	PRON
fsr-3477	319	3	use	use	VERB
fsr-3477	319	4	mental	mental	ADJ
fsr-3477	319	5	accounting	accounting	NOUN
fsr-3477	319	6	will	will	AUX
fsr-3477	319	7	have	have	VERB
fsr-3477	319	8	more	more	ADJ
fsr-3477	319	9	liquid	liquid	ADJ
fsr-3477	319	10	accounts	account	NOUN
fsr-3477	319	11	compared	compare	VERB
fsr-3477	319	12	with	with	ADP
fsr-3477	319	13	convenience	convenience	NOUN
fsr-3477	319	14	users	user	NOUN
fsr-3477	319	15	who	who	PRON
fsr-3477	319	16	have	have	VERB
fsr-3477	319	17	the	the	DET
fsr-3477	319	18	self	self	NOUN
fsr-3477	319	19	-	-	PUNCT
fsr-3477	319	20	control	control	NOUN
fsr-3477	319	21	not	not	PART
fsr-3477	319	22	to	to	PART
fsr-3477	319	23	spend	spend	VERB
fsr-3477	319	24	from	from	ADP
fsr-3477	319	25	fewer	few	ADJ
fsr-3477	319	26	accounts	account	NOUN
fsr-3477	319	27	.	.	PUNCT
fsr-3477	320	1	the	the	DET
fsr-3477	320	2	self	self	NOUN
fsr-3477	320	3	-	-	PUNCT
fsr-3477	320	4	control	control	NOUN
fsr-3477	320	5	factors	factor	NOUN
fsr-3477	320	6	contribute	contribute	VERB
fsr-3477	320	7	to	to	ADP
fsr-3477	320	8	the	the	DET
fsr-3477	320	9	further	further	ADJ
fsr-3477	320	10	understanding	understanding	NOUN
fsr-3477	320	11	of	of	ADP
fsr-3477	320	12	the	the	DET
fsr-3477	320	13	credit	credit	NOUN
fsr-3477	320	14	card	card	NOUN
fsr-3477	320	15	debt	debt	NOUN
fsr-3477	320	16	puzzle	puzzle	NOUN
fsr-3477	320	17	.	.	PUNCT
fsr-3477	321	1	the	the	DET
fsr-3477	321	2	variables	variable	NOUN
fsr-3477	321	3	making	make	VERB
fsr-3477	321	4	up	up	ADP
fsr-3477	321	5	this	this	DET
fsr-3477	321	6	concept	concept	NOUN
fsr-3477	321	7	provide	provide	VERB
fsr-3477	321	8	positive	positive	ADJ
fsr-3477	321	9	and	and	CCONJ
fsr-3477	321	10	negative	negative	ADJ
fsr-3477	321	11	insights	insight	NOUN
fsr-3477	321	12	in	in	ADP
fsr-3477	321	13	the	the	DET
fsr-3477	321	14	likelihood	likelihood	NOUN
fsr-3477	321	15	of	of	ADP
fsr-3477	321	16	being	be	AUX
fsr-3477	321	17	a	a	DET
fsr-3477	321	18	revolver	revolver	NOUN
fsr-3477	321	19	of	of	ADP
fsr-3477	321	20	credit	credit	NOUN
fsr-3477	321	21	card	card	NOUN
fsr-3477	321	22	debt	debt	NOUN
fsr-3477	321	23	and	and	CCONJ
fsr-3477	321	24	convenience	convenience	NOUN
fsr-3477	321	25	use	use	NOUN
fsr-3477	321	26	.	.	PUNCT
fsr-3477	322	1	in	in	ADP
fsr-3477	322	2	hypothesis	hypothesis	NOUN
fsr-3477	322	3	3	3	NUM
fsr-3477	322	4	,	,	PUNCT
fsr-3477	322	5	we	we	PRON
fsr-3477	322	6	put	put	VERB
fsr-3477	322	7	forward	forward	ADV
fsr-3477	322	8	that	that	SCONJ
fsr-3477	322	9	self	self	NOUN
fsr-3477	322	10	-	-	PUNCT
fsr-3477	322	11	control	control	NOUN
fsr-3477	322	12	will	will	AUX
fsr-3477	322	13	increase	increase	VERB
fsr-3477	322	14	the	the	DET
fsr-3477	322	15	likelihood	likelihood	NOUN
fsr-3477	322	16	of	of	ADP
fsr-3477	322	17	revolving	revolve	VERB
fsr-3477	322	18	credit	credit	NOUN
fsr-3477	322	19	card	card	NOUN
fsr-3477	322	20	debt	debt	NOUN
fsr-3477	322	21	.	.	PUNCT
fsr-3477	323	1	revolvers	revolver	NOUN
fsr-3477	323	2	would	would	AUX
fsr-3477	323	3	be	be	AUX
fsr-3477	323	4	less	less	ADV
fsr-3477	323	5	likely	likely	ADJ
fsr-3477	323	6	to	to	PART
fsr-3477	323	7	pay	pay	VERB
fsr-3477	323	8	their	their	PRON
fsr-3477	323	9	bills	bill	NOUN
fsr-3477	323	10	on	on	ADP
fsr-3477	323	11	time	time	NOUN
fsr-3477	323	12	,	,	PUNCT
fsr-3477	323	13	have	have	VERB
fsr-3477	323	14	a	a	DET
fsr-3477	323	15	positive	positive	ADJ
fsr-3477	323	16	attitude	attitude	NOUN
fsr-3477	323	17	toward	toward	ADP
fsr-3477	323	18	credit	credit	NOUN
fsr-3477	323	19	,	,	PUNCT
fsr-3477	323	20	and	and	CCONJ
fsr-3477	323	21	have	have	AUX
fsr-3477	323	22	filed	file	VERB
fsr-3477	323	23	for	for	ADP
fsr-3477	323	24	bankruptcy	bankruptcy	NOUN
fsr-3477	323	25	in	in	ADP
fsr-3477	323	26	the	the	DET
fsr-3477	323	27	past	past	NOUN
fsr-3477	323	28	.	.	PUNCT
fsr-3477	324	1	first	first	ADV
fsr-3477	324	2	,	,	PUNCT
fsr-3477	324	3	when	when	SCONJ
fsr-3477	324	4	compared	compare	VERB
fsr-3477	324	5	with	with	ADP
fsr-3477	324	6	those	those	PRON
fsr-3477	324	7	who	who	PRON
fsr-3477	324	8	are	be	AUX
fsr-3477	324	9	on	on	ADP
fsr-3477	324	10	time	time	NOUN
fsr-3477	324	11	with	with	ADP
fsr-3477	324	12	their	their	PRON
fsr-3477	324	13	loan	loan	NOUN
fsr-3477	324	14	payments	payment	NOUN
fsr-3477	324	15	,	,	PUNCT
fsr-3477	324	16	the	the	DET
fsr-3477	324	17	households	household	NOUN
fsr-3477	324	18	that	that	PRON
fsr-3477	324	19	are	be	AUX
fsr-3477	324	20	behind	behind	ADV
fsr-3477	324	21	are	be	AUX
fsr-3477	324	22	more	more	ADV
fsr-3477	324	23	likely	likely	ADJ
fsr-3477	324	24	to	to	PART
fsr-3477	324	25	be	be	AUX
fsr-3477	324	26	solvent	solvent	ADJ
fsr-3477	324	27	revolvers	revolver	NOUN
fsr-3477	324	28	and	and	CCONJ
fsr-3477	324	29	even	even	ADV
fsr-3477	324	30	more	more	ADV
fsr-3477	324	31	so	so	ADV
fsr-3477	324	32	to	to	ADP
fsr-3477	324	33	an	an	DET
fsr-3477	324	34	insolvent	insolvent	ADJ
fsr-3477	324	35	revolver	revolver	NOUN
fsr-3477	324	36	.	.	PUNCT
fsr-3477	325	1	next	next	ADV
fsr-3477	325	2	,	,	PUNCT
fsr-3477	325	3	attitude	attitude	NOUN
fsr-3477	325	4	toward	toward	ADP
fsr-3477	325	5	debt	debt	NOUN
fsr-3477	325	6	provides	provide	VERB
fsr-3477	325	7	a	a	DET
fsr-3477	325	8	surprising	surprising	ADJ
fsr-3477	325	9	result	result	NOUN
fsr-3477	325	10	.	.	PUNCT
fsr-3477	326	1	we	we	PRON
fsr-3477	326	2	reject	reject	VERB
fsr-3477	326	3	our	our	PRON
fsr-3477	326	4	hypothesis	hypothesis	NOUN
fsr-3477	326	5	that	that	SCONJ
fsr-3477	326	6	a	a	DET
fsr-3477	326	7	positive	positive	ADJ
fsr-3477	326	8	attitude	attitude	NOUN
fsr-3477	326	9	toward	toward	ADP
fsr-3477	326	10	debt	debt	NOUN
fsr-3477	326	11	would	would	AUX
fsr-3477	326	12	be	be	AUX
fsr-3477	326	13	a	a	DET
fsr-3477	326	14	characteristic	characteristic	NOUN
fsr-3477	326	15	of	of	ADP
fsr-3477	326	16	solvent	solvent	NOUN
fsr-3477	326	17	revolvers	revolver	NOUN
fsr-3477	326	18	.	.	PUNCT
fsr-3477	327	1	however	however	ADV
fsr-3477	327	2	,	,	PUNCT
fsr-3477	327	3	we	we	PRON
fsr-3477	327	4	see	see	VERB
fsr-3477	327	5	evidence	evidence	NOUN
fsr-3477	327	6	that	that	SCONJ
fsr-3477	327	7	a	a	DET
fsr-3477	327	8	negative	negative	ADJ
fsr-3477	327	9	attitude	attitude	NOUN
fsr-3477	327	10	toward	toward	ADP
fsr-3477	327	11	credit	credit	NOUN
fsr-3477	327	12	card	card	NOUN
fsr-3477	327	13	debt	debt	NOUN
fsr-3477	327	14	does	do	AUX
fsr-3477	327	15	affect	affect	VERB
fsr-3477	327	16	the	the	DET
fsr-3477	327	17	decision	decision	NOUN
fsr-3477	327	18	to	to	PART
fsr-3477	327	19	be	be	AUX
fsr-3477	327	20	an	an	DET
fsr-3477	327	21	insolvent	insolvent	ADJ
fsr-3477	327	22	revolver	revolver	NOUN
fsr-3477	327	23	.	.	PUNCT
fsr-3477	328	1	households	household	NOUN
fsr-3477	328	2	that	that	PRON
fsr-3477	328	3	have	have	VERB
fsr-3477	328	4	a	a	DET
fsr-3477	328	5	history	history	NOUN
fsr-3477	328	6	of	of	ADP
fsr-3477	328	7	bankruptcy	bankruptcy	NOUN
fsr-3477	328	8	are	be	AUX
fsr-3477	328	9	more	more	ADV
fsr-3477	328	10	likely	likely	ADJ
fsr-3477	328	11	to	to	PART
fsr-3477	328	12	have	have	VERB
fsr-3477	328	13	revolving	revolve	VERB
fsr-3477	328	14	debt	debt	NOUN
fsr-3477	328	15	.	.	PUNCT
fsr-3477	329	1	in	in	ADP
fsr-3477	329	2	regard	regard	NOUN
fsr-3477	329	3	to	to	ADP
fsr-3477	329	4	the	the	DET
fsr-3477	329	5	lifecycle	lifecycle	NOUN
fsr-3477	329	6	factors	factor	NOUN
fsr-3477	329	7	,	,	PUNCT
fsr-3477	329	8	solvent	solvent	ADJ
fsr-3477	329	9	revolvers	revolver	NOUN
fsr-3477	329	10	are	be	AUX
fsr-3477	329	11	more	more	ADV
fsr-3477	329	12	likely	likely	ADJ
fsr-3477	329	13	to	to	PART
fsr-3477	329	14	be	be	AUX
fsr-3477	329	15	younger	young	ADJ
fsr-3477	329	16	and	and	CCONJ
fsr-3477	329	17	have	have	VERB
fsr-3477	329	18	a	a	DET
fsr-3477	329	19	lower	low	ADJ
fsr-3477	329	20	household	household	NOUN
fsr-3477	329	21	wealth	wealth	NOUN
fsr-3477	329	22	.	.	PUNCT
fsr-3477	330	1	first	first	ADV
fsr-3477	330	2	,	,	PUNCT
fsr-3477	330	3	when	when	SCONJ
fsr-3477	330	4	compared	compare	VERB
fsr-3477	330	5	with	with	ADP
fsr-3477	330	6	households	household	NOUN
fsr-3477	330	7	under	under	ADP
fsr-3477	330	8	age	age	NOUN
fsr-3477	330	9	35	35	NUM
fsr-3477	330	10	,	,	PUNCT
fsr-3477	330	11	those	those	DET
fsr-3477	330	12	households	household	NOUN
fsr-3477	330	13	with	with	ADP
fsr-3477	330	14	individuals	individual	NOUN
fsr-3477	330	15	between	between	ADP
fsr-3477	330	16	35	35	NUM
fsr-3477	330	17	and	and	CCONJ
fsr-3477	330	18	55	55	NUM
fsr-3477	330	19	are	be	AUX
fsr-3477	330	20	more	more	ADV
fsr-3477	330	21	likely	likely	ADJ
fsr-3477	330	22	to	to	PART
fsr-3477	330	23	be	be	AUX
fsr-3477	330	24	solvent	solvent	ADJ
fsr-3477	330	25	revolvers	revolver	NOUN
fsr-3477	330	26	than	than	ADP
fsr-3477	330	27	a	a	DET
fsr-3477	330	28	convenience	convenience	NOUN
fsr-3477	330	29	user	user	NOUN
fsr-3477	330	30	.	.	PUNCT
fsr-3477	331	1	among	among	ADP
fsr-3477	331	2	the	the	DET
fsr-3477	331	3	most	most	ADV
fsr-3477	331	4	financially	financially	ADV
fsr-3477	331	5	literate	literate	ADJ
fsr-3477	331	6	households	household	NOUN
fsr-3477	331	7	,	,	PUNCT
fsr-3477	331	8	we	we	PRON
fsr-3477	331	9	see	see	VERB
fsr-3477	331	10	a	a	DET
fsr-3477	331	11	differing	differ	VERB
fsr-3477	331	12	effect	effect	NOUN
fsr-3477	331	13	in	in	ADP
fsr-3477	331	14	the	the	DET
fsr-3477	331	15	over	over	ADP
fsr-3477	331	16	55	55	NUM
fsr-3477	331	17	as	as	SCONJ
fsr-3477	331	18	they	they	PRON
fsr-3477	331	19	are	be	AUX
fsr-3477	331	20	less	less	ADV
fsr-3477	331	21	likely	likely	ADJ
fsr-3477	331	22	to	to	PART
fsr-3477	331	23	be	be	AUX
fsr-3477	331	24	solvent	solvent	ADJ
fsr-3477	331	25	resolvers	resolver	NOUN
fsr-3477	331	26	compared	compare	VERB
fsr-3477	331	27	with	with	ADP
fsr-3477	331	28	35	35	NUM
fsr-3477	331	29	and	and	CCONJ
fsr-3477	331	30	younger	young	ADJ
fsr-3477	331	31	.	.	PUNCT
fsr-3477	332	1	gender	gender	NOUN
fsr-3477	332	2	plays	play	VERB
fsr-3477	332	3	a	a	DET
fsr-3477	332	4	role	role	NOUN
fsr-3477	332	5	as	as	SCONJ
fsr-3477	332	6	married	married	ADJ
fsr-3477	332	7	females	female	NOUN
fsr-3477	332	8	are	be	AUX
fsr-3477	332	9	more	more	ADV
fsr-3477	332	10	likely	likely	ADJ
fsr-3477	332	11	to	to	PART
fsr-3477	332	12	be	be	AUX
fsr-3477	332	13	insolvent	insolvent	ADJ
fsr-3477	332	14	revolvers	revolver	NOUN
fsr-3477	332	15	of	of	ADP
fsr-3477	332	16	credit	credit	NOUN
fsr-3477	332	17	card	card	NOUN
fsr-3477	332	18	debt	debt	NOUN
fsr-3477	332	19	.	.	PUNCT
fsr-3477	333	1	last	last	ADJ
fsr-3477	333	2	,	,	PUNCT
fsr-3477	333	3	income	income	NOUN
fsr-3477	333	4	appears	appear	VERB
fsr-3477	333	5	only	only	ADV
fsr-3477	333	6	to	to	PART
fsr-3477	333	7	be	be	AUX
fsr-3477	333	8	a	a	DET
fsr-3477	333	9	statistically	statistically	ADV
fsr-3477	333	10	significant	significant	ADJ
fsr-3477	333	11	factor	factor	NOUN
fsr-3477	333	12	among	among	ADP
fsr-3477	333	13	the	the	DET
fsr-3477	333	14	most	most	ADV
fsr-3477	333	15	financial	financial	ADJ
fsr-3477	333	16	literate	literate	NOUN
fsr-3477	333	17	of	of	ADP
fsr-3477	333	18	the	the	DET
fsr-3477	333	19	sample	sample	NOUN
fsr-3477	333	20	.	.	PUNCT
fsr-3477	334	1	in	in	ADP
fsr-3477	334	2	this	this	DET
fsr-3477	334	3	subgroup	subgroup	NOUN
fsr-3477	334	4	,	,	PUNCT
fsr-3477	334	5	a	a	DET
fsr-3477	334	6	positive	positive	ADJ
fsr-3477	334	7	increase	increase	NOUN
fsr-3477	334	8	can	can	AUX
fsr-3477	334	9	decrease	decrease	VERB
fsr-3477	334	10	the	the	DET
fsr-3477	334	11	likelihood	likelihood	NOUN
fsr-3477	334	12	of	of	ADP
fsr-3477	334	13	revolving	revolve	VERB
fsr-3477	334	14	credit	credit	NOUN
fsr-3477	334	15	card	card	NOUN
fsr-3477	334	16	debt	debt	NOUN
fsr-3477	334	17	by	by	ADP
fsr-3477	334	18	18	18	NUM
fsr-3477	334	19	%	%	NOUN
fsr-3477	334	20	.	.	PUNCT
fsr-3477	335	1	on	on	ADP
fsr-3477	335	2	the	the	DET
fsr-3477	335	3	other	other	ADJ
fsr-3477	335	4	hand	hand	NOUN
fsr-3477	335	5	,	,	PUNCT
fsr-3477	335	6	wealth	wealth	NOUN
fsr-3477	335	7	is	be	AUX
fsr-3477	335	8	a	a	DET
fsr-3477	335	9	consistent	consistent	ADJ
fsr-3477	335	10	factor	factor	NOUN
fsr-3477	335	11	in	in	ADP
fsr-3477	335	12	reducing	reduce	VERB
fsr-3477	335	13	the	the	DET
fsr-3477	335	14	likelihood	likelihood	NOUN
fsr-3477	335	15	of	of	ADP
fsr-3477	335	16	revolving	revolve	VERB
fsr-3477	335	17	credit	credit	NOUN
fsr-3477	335	18	card	card	NOUN
fsr-3477	335	19	debt	debt	NOUN
fsr-3477	335	20	.	.	PUNCT
fsr-3477	336	1	8	8	X
fsr-3477	336	2	.	.	X
fsr-3477	336	3	implications	implication	NOUN
fsr-3477	336	4	financial	financial	ADJ
fsr-3477	336	5	planners	planner	NOUN
fsr-3477	336	6	and	and	CCONJ
fsr-3477	336	7	financial	financial	ADJ
fsr-3477	336	8	counselors	counselor	NOUN
fsr-3477	336	9	have	have	VERB
fsr-3477	336	10	a	a	DET
fsr-3477	336	11	fiduciary	fiduciary	ADJ
fsr-3477	336	12	duty	duty	NOUN
fsr-3477	336	13	to	to	ADP
fsr-3477	336	14	their	their	PRON
fsr-3477	336	15	clients	client	NOUN
fsr-3477	336	16	.	.	PUNCT
fsr-3477	337	1	when	when	SCONJ
fsr-3477	337	2	providing	provide	VERB
fsr-3477	337	3	financial	financial	ADJ
fsr-3477	337	4	planning	planning	NOUN
fsr-3477	337	5	to	to	ADP
fsr-3477	337	6	clients	client	NOUN
fsr-3477	337	7	,	,	PUNCT
fsr-3477	337	8	financial	financial	ADJ
fsr-3477	337	9	professionals	professional	NOUN
fsr-3477	337	10	should	should	AUX
fsr-3477	337	11	help	help	VERB
fsr-3477	337	12	and	and	CCONJ
fsr-3477	337	13	educate	educate	VERB
fsr-3477	337	14	households	household	NOUN
fsr-3477	337	15	on	on	ADP
fsr-3477	337	16	the	the	DET
fsr-3477	337	17	behavioral	behavioral	ADJ
fsr-3477	337	18	factors	factor	NOUN
fsr-3477	337	19	that	that	PRON
fsr-3477	337	20	impact	impact	VERB
fsr-3477	337	21	the	the	DET
fsr-3477	337	22	client	client	NOUN
fsr-3477	337	23	’s	’s	PART
fsr-3477	337	24	financial	financial	ADJ
fsr-3477	337	25	goals	goal	NOUN
fsr-3477	337	26	.	.	PUNCT
fsr-3477	338	1	a	a	DET
fsr-3477	338	2	change	change	NOUN
fsr-3477	338	3	in	in	ADP
fsr-3477	338	4	behavior	behavior	NOUN
fsr-3477	338	5	is	be	AUX
fsr-3477	338	6	necessary	necessary	ADJ
fsr-3477	338	7	,	,	PUNCT
fsr-3477	338	8	especially	especially	ADV
fsr-3477	338	9	since	since	SCONJ
fsr-3477	338	10	revolving	revolve	VERB
fsr-3477	338	11	credit	credit	NOUN
fsr-3477	338	12	card	card	NOUN
fsr-3477	338	13	users	user	NOUN
fsr-3477	338	14	believe	believe	VERB
fsr-3477	338	15	it	it	PRON
fsr-3477	338	16	is	be	AUX
fsr-3477	338	17	okay	okay	ADJ
fsr-3477	338	18	to	to	PART
fsr-3477	338	19	spend	spend	VERB
fsr-3477	338	20	now	now	ADV
fsr-3477	338	21	and	and	CCONJ
fsr-3477	338	22	pay	pay	VERB
fsr-3477	338	23	later	later	ADV
fsr-3477	338	24	.	.	PUNCT
fsr-3477	339	1	since	since	SCONJ
fsr-3477	339	2	self	self	NOUN
fsr-3477	339	3	-	-	PUNCT
fsr-3477	339	4	control	control	NOUN
fsr-3477	339	5	factors	factor	NOUN
fsr-3477	339	6	have	have	VERB
fsr-3477	339	7	such	such	DET
fsr-3477	339	8	an	an	DET
fsr-3477	339	9	impact	impact	NOUN
fsr-3477	339	10	on	on	ADP
fsr-3477	339	11	solvent	solvent	ADJ
fsr-3477	339	12	revolving	revolving	NOUN
fsr-3477	339	13	tendencies	tendency	NOUN
fsr-3477	339	14	,	,	PUNCT
fsr-3477	339	15	financial	financial	ADJ
fsr-3477	339	16	planners	planner	NOUN
fsr-3477	339	17	and	and	CCONJ
fsr-3477	339	18	counselors	counselor	NOUN
fsr-3477	339	19	should	should	AUX
fsr-3477	339	20	help	help	VERB
fsr-3477	339	21	clients	client	NOUN
fsr-3477	339	22	identify	identify	VERB
fsr-3477	339	23	debt	debt	NOUN
fsr-3477	339	24	management	management	NOUN
fsr-3477	339	25	issues	issue	NOUN
fsr-3477	339	26	as	as	ADV
fsr-3477	339	27	well	well	ADV
fsr-3477	339	28	as	as	ADP
fsr-3477	339	29	increase	increase	VERB
fsr-3477	339	30	their	their	PRON
fsr-3477	339	31	awareness	awareness	NOUN
fsr-3477	339	32	of	of	ADP
fsr-3477	339	33	the	the	DET
fsr-3477	339	34	importance	importance	NOUN
fsr-3477	339	35	of	of	ADP
fsr-3477	339	36	making	make	VERB
fsr-3477	339	37	payments	payment	NOUN
fsr-3477	339	38	on	on	ADP
fsr-3477	339	39	time	time	NOUN
fsr-3477	339	40	.	.	PUNCT
fsr-3477	340	1	the	the	DET
fsr-3477	340	2	client	client	NOUN
fsr-3477	340	3	would	would	AUX
fsr-3477	340	4	benefit	benefit	VERB
fsr-3477	340	5	from	from	ADP
fsr-3477	340	6	a	a	DET
fsr-3477	340	7	change	change	NOUN
fsr-3477	340	8	in	in	ADP
fsr-3477	340	9	behavior	behavior	NOUN
fsr-3477	340	10	to	to	PART
fsr-3477	340	11	maximize	maximize	VERB
fsr-3477	340	12	utility	utility	NOUN
fsr-3477	340	13	and	and	CCONJ
fsr-3477	340	14	avoid	avoid	VERB
fsr-3477	340	15	making	make	VERB
fsr-3477	340	16	inefficient	inefficient	ADJ
fsr-3477	340	17	decisions	decision	NOUN
fsr-3477	340	18	.	.	PUNCT
fsr-3477	341	1	to	to	PART
fsr-3477	341	2	facilitate	facilitate	VERB
fsr-3477	341	3	the	the	DET
fsr-3477	341	4	education	education	NOUN
fsr-3477	341	5	process	process	NOUN
fsr-3477	341	6	for	for	ADP
fsr-3477	341	7	solvent	solvent	ADJ
fsr-3477	341	8	households	household	NOUN
fsr-3477	341	9	,	,	PUNCT
fsr-3477	341	10	there	there	PRON
fsr-3477	341	11	are	be	VERB
fsr-3477	341	12	two	two	NUM
fsr-3477	341	13	steps	step	NOUN
fsr-3477	341	14	.	.	PUNCT
fsr-3477	342	1	one	one	NUM
fsr-3477	342	2	,	,	PUNCT
fsr-3477	342	3	financial	financial	ADJ
fsr-3477	342	4	planners	planner	NOUN
fsr-3477	342	5	and	and	CCONJ
fsr-3477	342	6	financial	financial	ADJ
fsr-3477	342	7	counselors	counselor	NOUN
fsr-3477	342	8	must	must	AUX
fsr-3477	342	9	teach	teach	VERB
fsr-3477	342	10	the	the	DET
fsr-3477	342	11	client	client	NOUN
fsr-3477	342	12	about	about	ADP
fsr-3477	342	13	behavioral	behavioral	ADJ
fsr-3477	342	14	biases	bias	NOUN
fsr-3477	342	15	that	that	PRON
fsr-3477	342	16	exist	exist	VERB
fsr-3477	342	17	when	when	SCONJ
fsr-3477	342	18	making	make	VERB
fsr-3477	342	19	financial	financial	ADJ
fsr-3477	342	20	decisions	decision	NOUN
fsr-3477	342	21	.	.	PUNCT
fsr-3477	343	1	two	two	NUM
fsr-3477	343	2	,	,	PUNCT
fsr-3477	343	3	financial	financial	ADJ
fsr-3477	343	4	planners	planner	NOUN
fsr-3477	343	5	and	and	CCONJ
fsr-3477	343	6	counselors	counselor	NOUN
fsr-3477	343	7	should	should	AUX
fsr-3477	343	8	educate	educate	VERB
fsr-3477	343	9	clients	client	NOUN
fsr-3477	343	10	about	about	ADP
fsr-3477	343	11	the	the	DET
fsr-3477	343	12	inefficiency	inefficiency	NOUN
fsr-3477	343	13	associated	associate	VERB
fsr-3477	343	14	with	with	ADP
fsr-3477	343	15	solvent	solvent	ADJ
fsr-3477	343	16	revolving	revolving	NOUN
fsr-3477	343	17	.	.	PUNCT
fsr-3477	344	1	122	122	NUM
fsr-3477	344	2	l.	l.	PROPN
fsr-3477	344	3	c.	c.	PROPN
fsr-3477	344	4	ricaldi	ricaldi	PROPN
fsr-3477	344	5	et	et	PROPN
fsr-3477	344	6	al	al	PROPN
fsr-3477	344	7	.	.	PUNCT
fsr-3477	344	8	/	/	SYM
fsr-3477	344	9	financial	financial	ADJ
fsr-3477	344	10	services	service	NOUN
fsr-3477	344	11	review	review	VERB
fsr-3477	344	12	30	30	NUM
fsr-3477	344	13	(	(	PUNCT
fsr-3477	344	14	2022	2022	NUM
fsr-3477	344	15	)	)	PUNCT
fsr-3477	345	1	107–124	107–124	NUM
fsr-3477	345	2	the	the	DET
fsr-3477	345	3	first	first	ADJ
fsr-3477	345	4	step	step	NOUN
fsr-3477	345	5	is	be	AUX
fsr-3477	345	6	to	to	PART
fsr-3477	345	7	educate	educate	VERB
fsr-3477	345	8	the	the	DET
fsr-3477	345	9	client	client	NOUN
fsr-3477	345	10	about	about	ADP
fsr-3477	345	11	behavioral	behavioral	ADJ
fsr-3477	345	12	biases	bias	NOUN
fsr-3477	345	13	.	.	PUNCT
fsr-3477	346	1	since	since	SCONJ
fsr-3477	346	2	behavioral	behavioral	ADJ
fsr-3477	346	3	biases	bias	NOUN
fsr-3477	346	4	affect	affect	VERB
fsr-3477	346	5	most	most	ADJ
fsr-3477	346	6	individuals	individual	NOUN
fsr-3477	346	7	,	,	PUNCT
fsr-3477	346	8	it	it	PRON
fsr-3477	346	9	is	be	AUX
fsr-3477	346	10	important	important	ADJ
fsr-3477	346	11	to	to	PART
fsr-3477	346	12	know	know	VERB
fsr-3477	346	13	about	about	ADP
fsr-3477	346	14	them	they	PRON
fsr-3477	346	15	to	to	PART
fsr-3477	346	16	diminish	diminish	VERB
fsr-3477	346	17	some	some	PRON
fsr-3477	346	18	of	of	ADP
fsr-3477	346	19	the	the	DET
fsr-3477	346	20	unfavorable	unfavorable	ADJ
fsr-3477	346	21	effects	effect	NOUN
fsr-3477	346	22	.	.	PUNCT
fsr-3477	347	1	financial	financial	ADJ
fsr-3477	347	2	planners	planner	NOUN
fsr-3477	347	3	and	and	CCONJ
fsr-3477	347	4	counselors	counselor	NOUN
fsr-3477	347	5	can	can	AUX
fsr-3477	347	6	help	help	VERB
fsr-3477	347	7	the	the	DET
fsr-3477	347	8	consumer	consumer	NOUN
fsr-3477	347	9	develop	develop	VERB
fsr-3477	347	10	strategies	strategy	NOUN
fsr-3477	347	11	to	to	PART
fsr-3477	347	12	control	control	VERB
fsr-3477	347	13	inefficient	inefficient	ADJ
fsr-3477	347	14	behavior	behavior	NOUN
fsr-3477	347	15	and	and	CCONJ
fsr-3477	347	16	implement	implement	VERB
fsr-3477	347	17	appropriate	appropriate	ADJ
fsr-3477	347	18	behavior	behavior	NOUN
fsr-3477	347	19	.	.	PUNCT
fsr-3477	348	1	first	first	ADV
fsr-3477	348	2	,	,	PUNCT
fsr-3477	348	3	the	the	DET
fsr-3477	348	4	consumer	consumer	NOUN
fsr-3477	348	5	can	can	AUX
fsr-3477	348	6	set	set	VERB
fsr-3477	348	7	up	up	ADP
fsr-3477	348	8	automatic	automatic	ADJ
fsr-3477	348	9	payments	payment	NOUN
fsr-3477	348	10	toward	toward	ADP
fsr-3477	348	11	their	their	PRON
fsr-3477	348	12	credit	credit	NOUN
fsr-3477	348	13	card	card	NOUN
fsr-3477	348	14	balance	balance	NOUN
fsr-3477	348	15	.	.	PUNCT
fsr-3477	349	1	this	this	PRON
fsr-3477	349	2	would	would	AUX
fsr-3477	349	3	reduce	reduce	VERB
fsr-3477	349	4	the	the	DET
fsr-3477	349	5	credit	credit	NOUN
fsr-3477	349	6	card	card	NOUN
fsr-3477	349	7	balance	balance	NOUN
fsr-3477	349	8	while	while	SCONJ
fsr-3477	349	9	decreasing	decrease	VERB
fsr-3477	349	10	the	the	DET
fsr-3477	349	11	likelihood	likelihood	NOUN
fsr-3477	349	12	of	of	ADP
fsr-3477	349	13	consumers	consumer	NOUN
fsr-3477	349	14	missing	miss	VERB
fsr-3477	349	15	or	or	CCONJ
fsr-3477	349	16	being	be	AUX
fsr-3477	349	17	behind	behind	ADV
fsr-3477	349	18	on	on	ADP
fsr-3477	349	19	their	their	PRON
fsr-3477	349	20	payments	payment	NOUN
fsr-3477	349	21	.	.	PUNCT
fsr-3477	350	1	a	a	DET
fsr-3477	350	2	recent	recent	ADJ
fsr-3477	350	3	study	study	NOUN
fsr-3477	350	4	by	by	ADP
fsr-3477	350	5	middlewood	middlewood	NOUN
fsr-3477	350	6	,	,	PUNCT
fsr-3477	350	7	chin	chin	PROPN
fsr-3477	350	8	,	,	PUNCT
fsr-3477	350	9	johnson	johnson	PROPN
fsr-3477	350	10	,	,	PUNCT
fsr-3477	350	11	and	and	CCONJ
fsr-3477	350	12	knoll	knoll	NOUN
fsr-3477	350	13	(	(	PUNCT
fsr-3477	350	14	2018	2018	NUM
fsr-3477	350	15	)	)	PUNCT
fsr-3477	350	16	suggest	suggest	VERB
fsr-3477	350	17	that	that	SCONJ
fsr-3477	350	18	clients	client	NOUN
fsr-3477	350	19	who	who	PRON
fsr-3477	350	20	automate	automate	VERB
fsr-3477	350	21	savings	saving	NOUN
fsr-3477	350	22	decisions	decision	NOUN
fsr-3477	350	23	typically	typically	ADV
fsr-3477	350	24	have	have	VERB
fsr-3477	350	25	financial	financial	ADJ
fsr-3477	350	26	skill	skill	NOUN
fsr-3477	350	27	,	,	PUNCT
fsr-3477	350	28	but	but	CCONJ
fsr-3477	350	29	still	still	ADV
fsr-3477	350	30	need	need	VERB
fsr-3477	350	31	focused	focused	ADJ
fsr-3477	350	32	help	help	NOUN
fsr-3477	350	33	from	from	ADP
fsr-3477	350	34	their	their	PRON
fsr-3477	350	35	advisor	advisor	NOUN
fsr-3477	350	36	to	to	PART
fsr-3477	350	37	set	set	VERB
fsr-3477	350	38	up	up	ADP
fsr-3477	350	39	the	the	DET
fsr-3477	350	40	automated	automate	VERB
fsr-3477	350	41	rules	rule	NOUN
fsr-3477	350	42	.	.	PUNCT
fsr-3477	351	1	next	next	ADV
fsr-3477	351	2	,	,	PUNCT
fsr-3477	351	3	the	the	DET
fsr-3477	351	4	planner	planner	NOUN
fsr-3477	351	5	,	,	PUNCT
fsr-3477	351	6	counselor	counselor	NOUN
fsr-3477	351	7	,	,	PUNCT
fsr-3477	351	8	or	or	CCONJ
fsr-3477	351	9	educator	educator	NOUN
fsr-3477	351	10	should	should	AUX
fsr-3477	351	11	help	help	VERB
fsr-3477	351	12	the	the	DET
fsr-3477	351	13	client	client	NOUN
fsr-3477	351	14	set	set	VERB
fsr-3477	351	15	realistic	realistic	ADJ
fsr-3477	351	16	goals	goal	NOUN
fsr-3477	351	17	for	for	ADP
fsr-3477	351	18	paying	pay	VERB
fsr-3477	351	19	off	off	ADP
fsr-3477	351	20	the	the	DET
fsr-3477	351	21	debt	debt	NOUN
fsr-3477	351	22	and	and	CCONJ
fsr-3477	351	23	help	help	VERB
fsr-3477	351	24	the	the	DET
fsr-3477	351	25	client	client	NOUN
fsr-3477	351	26	understand	understand	VERB
fsr-3477	351	27	their	their	PRON
fsr-3477	351	28	motives	motive	NOUN
fsr-3477	351	29	for	for	ADP
fsr-3477	351	30	saving	save	VERB
fsr-3477	351	31	.	.	PUNCT
fsr-3477	352	1	last	last	ADJ
fsr-3477	352	2	,	,	PUNCT
fsr-3477	352	3	the	the	DET
fsr-3477	352	4	planner	planner	NOUN
fsr-3477	352	5	could	could	AUX
fsr-3477	352	6	suggest	suggest	VERB
fsr-3477	352	7	reallocating	reallocate	VERB
fsr-3477	352	8	high	high	ADJ
fsr-3477	352	9	interest	interest	NOUN
fsr-3477	352	10	rate	rate	NOUN
fsr-3477	352	11	debt	debt	NOUN
fsr-3477	352	12	to	to	ADP
fsr-3477	352	13	a	a	DET
fsr-3477	352	14	lower	low	ADJ
fsr-3477	352	15	interest	interest	NOUN
fsr-3477	352	16	rate	rate	NOUN
fsr-3477	352	17	debt	debt	NOUN
fsr-3477	352	18	tool	tool	NOUN
fsr-3477	352	19	(	(	PUNCT
fsr-3477	352	20	greenberg	greenberg	PROPN
fsr-3477	352	21	&	&	CCONJ
fsr-3477	352	22	hershfield	hershfield	PROPN
fsr-3477	352	23	,	,	PUNCT
fsr-3477	352	24	2019	2019	NUM
fsr-3477	352	25	)	)	PUNCT
fsr-3477	352	26	.	.	PUNCT
fsr-3477	353	1	the	the	DET
fsr-3477	353	2	idea	idea	NOUN
fsr-3477	353	3	of	of	ADP
fsr-3477	353	4	shifting	shift	VERB
fsr-3477	353	5	debt	debt	NOUN
fsr-3477	353	6	to	to	ADP
fsr-3477	353	7	lower	low	ADJ
fsr-3477	353	8	interest	interest	NOUN
fsr-3477	353	9	rate	rate	NOUN
fsr-3477	353	10	tools	tool	NOUN
fsr-3477	353	11	is	be	AUX
fsr-3477	353	12	shared	share	VERB
fsr-3477	353	13	by	by	ADP
fsr-3477	353	14	another	another	DET
fsr-3477	353	15	article	article	NOUN
fsr-3477	353	16	on	on	ADP
fsr-3477	353	17	myopia	myopia	PROPN
fsr-3477	353	18	,	,	PUNCT
fsr-3477	353	19	financial	financial	ADJ
fsr-3477	353	20	literacy	literacy	NOUN
fsr-3477	353	21	,	,	PUNCT
fsr-3477	353	22	and	and	CCONJ
fsr-3477	353	23	the	the	DET
fsr-3477	353	24	choice	choice	NOUN
fsr-3477	353	25	between	between	ADP
fsr-3477	353	26	debit	debit	NOUN
fsr-3477	353	27	and	and	CCONJ
fsr-3477	353	28	credit	credit	NOUN
fsr-3477	353	29	(	(	PUNCT
fsr-3477	353	30	ricaldi	ricaldi	PROPN
fsr-3477	353	31	&	&	CCONJ
fsr-3477	353	32	huston	huston	PROPN
fsr-3477	353	33	,	,	PUNCT
fsr-3477	353	34	2019	2019	NUM
fsr-3477	353	35	)	)	PUNCT
fsr-3477	353	36	.	.	PUNCT
fsr-3477	354	1	the	the	DET
fsr-3477	354	2	authors	author	NOUN
fsr-3477	354	3	suggest	suggest	VERB
fsr-3477	354	4	that	that	SCONJ
fsr-3477	354	5	households	household	NOUN
fsr-3477	354	6	that	that	PRON
fsr-3477	354	7	consistently	consistently	ADV
fsr-3477	354	8	revolve	revolve	VERB
fsr-3477	354	9	a	a	DET
fsr-3477	354	10	credit	credit	NOUN
fsr-3477	354	11	card	card	NOUN
fsr-3477	354	12	balance	balance	NOUN
fsr-3477	354	13	should	should	AUX
fsr-3477	354	14	switch	switch	VERB
fsr-3477	354	15	to	to	PART
fsr-3477	354	16	debit	debit	VERB
fsr-3477	354	17	cards	card	NOUN
fsr-3477	354	18	.	.	PUNCT
fsr-3477	355	1	once	once	SCONJ
fsr-3477	355	2	the	the	DET
fsr-3477	355	3	household	household	NOUN
fsr-3477	355	4	is	be	AUX
fsr-3477	355	5	accustomed	accustom	VERB
fsr-3477	355	6	to	to	ADP
fsr-3477	355	7	budgeting	budget	VERB
fsr-3477	355	8	techniques	technique	NOUN
fsr-3477	355	9	and	and	CCONJ
fsr-3477	355	10	self	self	NOUN
fsr-3477	355	11	-	-	PUNCT
fsr-3477	355	12	control	control	NOUN
fsr-3477	355	13	,	,	PUNCT
fsr-3477	355	14	they	they	PRON
fsr-3477	355	15	should	should	AUX
fsr-3477	355	16	switch	switch	VERB
fsr-3477	355	17	to	to	ADP
fsr-3477	355	18	using	use	VERB
fsr-3477	355	19	a	a	DET
fsr-3477	355	20	credit	credit	NOUN
fsr-3477	355	21	card	card	NOUN
fsr-3477	355	22	as	as	ADP
fsr-3477	355	23	a	a	DET
fsr-3477	355	24	convenience	convenience	NOUN
fsr-3477	355	25	tool	tool	NOUN
fsr-3477	355	26	to	to	PART
fsr-3477	355	27	take	take	VERB
fsr-3477	355	28	advantage	advantage	NOUN
fsr-3477	355	29	of	of	ADP
fsr-3477	355	30	the	the	DET
fsr-3477	355	31	rewards	reward	NOUN
fsr-3477	355	32	.	.	PUNCT
fsr-3477	356	1	the	the	DET
fsr-3477	356	2	next	next	ADJ
fsr-3477	356	3	step	step	NOUN
fsr-3477	356	4	in	in	ADP
fsr-3477	356	5	helping	help	VERB
fsr-3477	356	6	solvent	solvent	NOUN
fsr-3477	356	7	revolvers	revolver	NOUN
fsr-3477	356	8	understand	understand	VERB
fsr-3477	356	9	their	their	PRON
fsr-3477	356	10	inefficient	inefficient	ADJ
fsr-3477	356	11	behavior	behavior	NOUN
fsr-3477	356	12	is	be	AUX
fsr-3477	356	13	to	to	PART
fsr-3477	356	14	educate	educate	VERB
fsr-3477	356	15	them	they	PRON
fsr-3477	356	16	as	as	ADP
fsr-3477	356	17	to	to	ADP
fsr-3477	356	18	why	why	SCONJ
fsr-3477	356	19	the	the	DET
fsr-3477	356	20	behavior	behavior	NOUN
fsr-3477	356	21	is	be	AUX
fsr-3477	356	22	inefficient	inefficient	ADJ
fsr-3477	356	23	.	.	PUNCT
fsr-3477	357	1	education	education	NOUN
fsr-3477	357	2	about	about	ADP
fsr-3477	357	3	interest	interest	NOUN
fsr-3477	357	4	rates	rate	NOUN
fsr-3477	357	5	,	,	PUNCT
fsr-3477	357	6	savings	saving	NOUN
fsr-3477	357	7	accounts	account	NOUN
fsr-3477	357	8	,	,	PUNCT
fsr-3477	357	9	and	and	CCONJ
fsr-3477	357	10	the	the	DET
fsr-3477	357	11	tradeoff	tradeoff	NOUN
fsr-3477	357	12	between	between	ADP
fsr-3477	357	13	holding	hold	VERB
fsr-3477	357	14	a	a	DET
fsr-3477	357	15	balance	balance	NOUN
fsr-3477	357	16	on	on	ADP
fsr-3477	357	17	a	a	DET
fsr-3477	357	18	credit	credit	NOUN
fsr-3477	357	19	card	card	NOUN
fsr-3477	357	20	and	and	CCONJ
fsr-3477	357	21	paying	pay	VERB
fsr-3477	357	22	off	off	ADP
fsr-3477	357	23	the	the	DET
fsr-3477	357	24	balance	balance	NOUN
fsr-3477	357	25	using	use	VERB
fsr-3477	357	26	savings	saving	NOUN
fsr-3477	357	27	is	be	AUX
fsr-3477	357	28	essential	essential	ADJ
fsr-3477	357	29	.	.	PUNCT
fsr-3477	358	1	following	follow	VERB
fsr-3477	358	2	these	these	DET
fsr-3477	358	3	steps	step	NOUN
fsr-3477	358	4	can	can	AUX
fsr-3477	358	5	allow	allow	VERB
fsr-3477	358	6	financial	financial	ADJ
fsr-3477	358	7	planners	planner	NOUN
fsr-3477	358	8	to	to	PART
fsr-3477	358	9	help	help	VERB
fsr-3477	358	10	clients	client	NOUN
fsr-3477	358	11	build	build	VERB
fsr-3477	358	12	wealth	wealth	NOUN
fsr-3477	358	13	instead	instead	ADV
fsr-3477	358	14	of	of	ADP
fsr-3477	358	15	exhibiting	exhibit	VERB
fsr-3477	358	16	inefficient	inefficient	ADJ
fsr-3477	358	17	behaviors	behavior	NOUN
fsr-3477	358	18	.	.	PUNCT
fsr-3477	359	1	references	reference	NOUN
fsr-3477	359	2	becker	becker	PROPN
fsr-3477	359	3	,	,	PUNCT
fsr-3477	359	4	g.	g.	PROPN
fsr-3477	359	5	s.	s.	PROPN
fsr-3477	359	6	(	(	PUNCT
fsr-3477	359	7	1964	1964	NUM
fsr-3477	359	8	)	)	PUNCT
fsr-3477	359	9	.	.	PUNCT
fsr-3477	360	1	a	a	DET
fsr-3477	360	2	theoretical	theoretical	ADJ
fsr-3477	360	3	and	and	CCONJ
fsr-3477	360	4	empirical	empirical	ADJ
fsr-3477	360	5	analysis	analysis	NOUN
fsr-3477	360	6	,	,	PUNCT
fsr-3477	360	7	with	with	ADP
fsr-3477	360	8	special	special	ADJ
fsr-3477	360	9	reference	reference	NOUN
fsr-3477	360	10	to	to	ADP
fsr-3477	360	11	education	education	NOUN
fsr-3477	360	12	(	(	PUNCT
fsr-3477	360	13	1st	1st	ADJ
fsr-3477	360	14	ed	ed	NOUN
fsr-3477	360	15	.	.	PUNCT
fsr-3477	360	16	)	)	PUNCT
fsr-3477	360	17	.	.	PUNCT
fsr-3477	361	1	new	new	PROPN
fsr-3477	361	2	york	york	PROPN
fsr-3477	361	3	:	:	PUNCT
fsr-3477	361	4	columbia	columbia	PROPN
fsr-3477	361	5	university	university	PROPN
fsr-3477	361	6	press	press	NOUN
fsr-3477	361	7	for	for	ADP
fsr-3477	361	8	the	the	DET
fsr-3477	361	9	nber	nber	PROPN
fsr-3477	361	10	.	.	PUNCT
fsr-3477	362	1	bertaut	bertaut	PROPN
fsr-3477	362	2	,	,	PUNCT
fsr-3477	362	3	c.	c.	PROPN
fsr-3477	362	4	c.	c.	PROPN
fsr-3477	362	5	,	,	PUNCT
fsr-3477	362	6	haliassos	haliassos	NOUN
fsr-3477	362	7	,	,	PUNCT
fsr-3477	362	8	m.	m.	NOUN
fsr-3477	362	9	,	,	PUNCT
fsr-3477	362	10	&	&	CCONJ
fsr-3477	362	11	reiter	reiter	PROPN
fsr-3477	362	12	,	,	PUNCT
fsr-3477	362	13	m.	m.	NOUN
fsr-3477	362	14	(	(	PUNCT
fsr-3477	362	15	2009	2009	NUM
fsr-3477	362	16	)	)	PUNCT
fsr-3477	362	17	.	.	PUNCT
fsr-3477	363	1	credit	credit	NOUN
fsr-3477	363	2	card	card	NOUN
fsr-3477	363	3	debt	debt	NOUN
fsr-3477	363	4	puzzles	puzzle	NOUN
fsr-3477	363	5	and	and	CCONJ
fsr-3477	363	6	debt	debt	NOUN
fsr-3477	363	7	revolvers	revolver	NOUN
fsr-3477	363	8	for	for	ADP
fsr-3477	363	9	self	self	NOUN
fsr-3477	363	10	-	-	PUNCT
fsr-3477	363	11	control	control	NOUN
fsr-3477	363	12	.	.	PUNCT
fsr-3477	364	1	review	review	NOUN
fsr-3477	364	2	of	of	ADP
fsr-3477	364	3	finance	finance	NOUN
fsr-3477	364	4	,	,	PUNCT
fsr-3477	364	5	1–36	1–36	PROPN
fsr-3477	364	6	.	.	PUNCT
fsr-3477	365	1	bi	bi	PROPN
fsr-3477	365	2	,	,	PUNCT
fsr-3477	365	3	l.	l.	PROPN
fsr-3477	365	4	(	(	PUNCT
fsr-3477	365	5	2005	2005	NUM
fsr-3477	365	6	)	)	PUNCT
fsr-3477	365	7	.	.	PUNCT
fsr-3477	366	1	the	the	DET
fsr-3477	366	2	influence	influence	NOUN
fsr-3477	366	3	of	of	ADP
fsr-3477	366	4	uncertainty	uncertainty	NOUN
fsr-3477	366	5	and	and	CCONJ
fsr-3477	366	6	liquidity	liquidity	NOUN
fsr-3477	366	7	constraints	constraint	NOUN
fsr-3477	366	8	on	on	ADP
fsr-3477	366	9	liquid	liquid	ADJ
fsr-3477	366	10	asset	asset	NOUN
fsr-3477	366	11	holdings	holding	NOUN
fsr-3477	366	12	of	of	ADP
fsr-3477	366	13	credit	credit	NOUN
fsr-3477	366	14	card	card	NOUN
fsr-3477	366	15	revolvers	revolver	NOUN
fsr-3477	366	16	[	[	X
fsr-3477	366	17	dissertation	dissertation	NOUN
fsr-3477	366	18	]	]	PUNCT
fsr-3477	366	19	.	.	PUNCT
fsr-3477	367	1	the	the	DET
fsr-3477	367	2	ohio	ohio	PROPN
fsr-3477	367	3	state	state	PROPN
fsr-3477	367	4	university	university	PROPN
fsr-3477	367	5	.	.	PUNCT
fsr-3477	368	1	available	available	ADJ
fsr-3477	368	2	at	at	ADP
fsr-3477	368	3	https://etd.ohiolink.edu/apexprod/rws_etd/	https://etd.ohiolink.edu/apexprod/rws_etd/	ADJ
fsr-3477	368	4	send_file	send_file	PROPN
fsr-3477	368	5	/	/	SYM
fsr-3477	368	6	send?accession	send?accession	NOUN
fsr-3477	368	7	=	=	SYM
fsr-3477	368	8	osu1127153217&disposition	osu1127153217&disposition	NOUN
fsr-3477	368	9	=	=	NOUN
fsr-3477	368	10	inline	inline	NOUN
fsr-3477	368	11	bi	bi	NOUN
fsr-3477	368	12	,	,	PUNCT
fsr-3477	368	13	l.	l.	PROPN
fsr-3477	368	14	,	,	PUNCT
fsr-3477	368	15	&	&	CCONJ
fsr-3477	368	16	hanna	hanna	PROPN
fsr-3477	368	17	,	,	PUNCT
fsr-3477	368	18	s.	s.	PROPN
fsr-3477	368	19	d.	d.	PROPN
fsr-3477	368	20	(	(	PUNCT
fsr-3477	368	21	2006	2006	NUM
fsr-3477	368	22	)	)	PUNCT
fsr-3477	368	23	.	.	PUNCT
fsr-3477	369	1	do	do	AUX
fsr-3477	369	2	financial	financial	ADJ
fsr-3477	369	3	planners	planner	NOUN
fsr-3477	369	4	serve	serve	VERB
fsr-3477	369	5	the	the	DET
fsr-3477	369	6	interests	interest	NOUN
fsr-3477	369	7	of	of	ADP
fsr-3477	369	8	their	their	PRON
fsr-3477	369	9	clients	client	NOUN
fsr-3477	369	10	?	?	PUNCT
fsr-3477	370	1	use	use	NOUN
fsr-3477	370	2	of	of	ADP
fsr-3477	370	3	financial	financial	ADJ
fsr-3477	370	4	planners	planner	NOUN
fsr-3477	370	5	,	,	PUNCT
fsr-3477	370	6	credit	credit	NOUN
fsr-3477	370	7	card	card	NOUN
fsr-3477	370	8	balances	balance	NOUN
fsr-3477	370	9	and	and	CCONJ
fsr-3477	370	10	liquid	liquid	ADJ
fsr-3477	370	11	assets	asset	NOUN
fsr-3477	370	12	.	.	PUNCT
fsr-3477	371	1	consumer	consumer	NOUN
fsr-3477	371	2	interests	interest	NOUN
fsr-3477	371	3	annual	annual	ADJ
fsr-3477	371	4	,	,	PUNCT
fsr-3477	371	5	52	52	NUM
fsr-3477	371	6	,	,	PUNCT
fsr-3477	371	7	292–314	292–314	NUM
fsr-3477	371	8	.	.	PUNCT
fsr-3477	371	9	board	board	NOUN
fsr-3477	371	10	of	of	ADP
fsr-3477	371	11	governors	governor	NOUN
fsr-3477	371	12	of	of	ADP
fsr-3477	371	13	the	the	DET
fsr-3477	371	14	federal	federal	PROPN
fsr-3477	371	15	reserve	reserve	PROPN
fsr-3477	371	16	system	system	NOUN
fsr-3477	371	17	.	.	PUNCT
fsr-3477	372	1	(	(	PUNCT
fsr-3477	372	2	1998	1998	NUM
fsr-3477	372	3	-	-	SYM
fsr-3477	372	4	2013	2013	NUM
fsr-3477	372	5	)	)	PUNCT
fsr-3477	372	6	.	.	PUNCT
fsr-3477	373	1	survey	survey	NOUN
fsr-3477	373	2	of	of	ADP
fsr-3477	373	3	consumer	consumer	NOUN
fsr-3477	373	4	finances	finance	NOUN
fsr-3477	373	5	[	[	X
fsr-3477	373	6	data	datum	NOUN
fsr-3477	373	7	files	file	NOUN
fsr-3477	373	8	and	and	CCONJ
fsr-3477	373	9	codebooks	codebook	NOUN
fsr-3477	373	10	]	]	PUNCT
fsr-3477	373	11	.	.	PUNCT
fsr-3477	374	1	available	available	ADJ
fsr-3477	374	2	at	at	ADP
fsr-3477	374	3	https://www.federalreserve.gov/econres/scfindex.htm	https://www.federalreserve.gov/econres/scfindex.htm	PROPN
fsr-3477	374	4	bricker	bricker	NOUN
fsr-3477	374	5	,	,	PUNCT
fsr-3477	374	6	j.	j.	PROPN
fsr-3477	374	7	,	,	PUNCT
fsr-3477	374	8	dettling	dettling	NOUN
fsr-3477	374	9	,	,	PUNCT
fsr-3477	374	10	l.	l.	PROPN
fsr-3477	374	11	j.	j.	PROPN
fsr-3477	374	12	,	,	PUNCT
fsr-3477	374	13	henriques	henrique	NOUN
fsr-3477	374	14	,	,	PUNCT
fsr-3477	374	15	a.	a.	NOUN
fsr-3477	374	16	,	,	PUNCT
fsr-3477	374	17	hsu	hsu	PROPN
fsr-3477	374	18	,	,	PUNCT
fsr-3477	374	19	j.	j.	PROPN
fsr-3477	374	20	w.	w.	PROPN
fsr-3477	374	21	,	,	PUNCT
fsr-3477	374	22	jacobs	jacobs	PROPN
fsr-3477	374	23	,	,	PUNCT
fsr-3477	374	24	l.	l.	PROPN
fsr-3477	374	25	,	,	PUNCT
fsr-3477	374	26	moore	moore	PROPN
fsr-3477	374	27	,	,	PUNCT
fsr-3477	374	28	k.	k.	PROPN
fsr-3477	374	29	b.	b.	PROPN
fsr-3477	374	30	,	,	PUNCT
fsr-3477	374	31	.	.	PUNCT
fsr-3477	374	32	.	.	PUNCT
fsr-3477	374	33	.	.	PUNCT
fsr-3477	375	1	windle	windle	PROPN
fsr-3477	375	2	,	,	PUNCT
fsr-3477	375	3	r.	r.	PROPN
fsr-3477	375	4	a.	a.	PROPN
fsr-3477	375	5	(	(	PUNCT
fsr-3477	375	6	2017	2017	NUM
fsr-3477	375	7	)	)	PUNCT
fsr-3477	375	8	.	.	PUNCT
fsr-3477	376	1	changes	change	NOUN
fsr-3477	376	2	in	in	ADP
fsr-3477	376	3	us	us	PROPN
fsr-3477	376	4	family	family	NOUN
fsr-3477	376	5	finances	finance	NOUN
fsr-3477	376	6	from	from	ADP
fsr-3477	376	7	2013	2013	NUM
fsr-3477	376	8	to	to	ADP
fsr-3477	376	9	2016	2016	NUM
fsr-3477	376	10	:	:	PUNCT
fsr-3477	376	11	evidence	evidence	NOUN
fsr-3477	376	12	from	from	ADP
fsr-3477	376	13	the	the	DET
fsr-3477	376	14	survey	survey	NOUN
fsr-3477	376	15	of	of	ADP
fsr-3477	376	16	consumer	consumer	NOUN
fsr-3477	376	17	finances	finance	NOUN
fsr-3477	376	18	.	.	PUNCT
fsr-3477	377	1	federal	federal	PROPN
fsr-3477	377	2	reserve	reserve	PROPN
fsr-3477	377	3	bulletin	bulletin	PROPN
fsr-3477	377	4	,	,	PUNCT
fsr-3477	377	5	103	103	NUM
fsr-3477	377	6	,	,	PUNCT
fsr-3477	377	7	1	1	NUM
fsr-3477	377	8	.	.	X
fsr-3477	377	9	bucks	buck	NOUN
fsr-3477	377	10	,	,	PUNCT
fsr-3477	377	11	b.	b.	PROPN
fsr-3477	377	12	k.	k.	PROPN
fsr-3477	377	13	,	,	PUNCT
fsr-3477	377	14	kennickell	kennickell	PROPN
fsr-3477	377	15	,	,	PUNCT
fsr-3477	377	16	a.	a.	PROPN
fsr-3477	377	17	b.	b.	PROPN
fsr-3477	377	18	,	,	PUNCT
fsr-3477	377	19	mach	mach	NOUN
fsr-3477	377	20	,	,	PUNCT
fsr-3477	377	21	t.	t.	PROPN
fsr-3477	377	22	l.	l.	PROPN
fsr-3477	377	23	,	,	PUNCT
fsr-3477	377	24	&	&	CCONJ
fsr-3477	377	25	moore	moore	PROPN
fsr-3477	377	26	,	,	PUNCT
fsr-3477	377	27	k.	k.	PROPN
fsr-3477	377	28	b.	b.	PROPN
fsr-3477	377	29	(	(	PUNCT
fsr-3477	377	30	2009	2009	NUM
fsr-3477	377	31	)	)	PUNCT
fsr-3477	377	32	.	.	PUNCT
fsr-3477	378	1	changes	change	NOUN
fsr-3477	378	2	in	in	ADP
fsr-3477	378	3	us	us	PROPN
fsr-3477	378	4	family	family	NOUN
fsr-3477	378	5	finances	finance	NOUN
fsr-3477	378	6	from	from	ADP
fsr-3477	378	7	2004	2004	NUM
fsr-3477	378	8	to	to	ADP
fsr-3477	378	9	2007	2007	NUM
fsr-3477	378	10	:	:	PUNCT
fsr-3477	378	11	evidence	evidence	NOUN
fsr-3477	378	12	from	from	ADP
fsr-3477	378	13	the	the	DET
fsr-3477	378	14	survey	survey	NOUN
fsr-3477	378	15	of	of	ADP
fsr-3477	378	16	consumer	consumer	NOUN
fsr-3477	378	17	finances	finance	NOUN
fsr-3477	378	18	.	.	PUNCT
fsr-3477	379	1	federal	federal	PROPN
fsr-3477	379	2	reserve	reserve	PROPN
fsr-3477	379	3	bulletin	bulletin	PROPN
fsr-3477	379	4	,	,	PUNCT
fsr-3477	379	5	a1	a1	NOUN
fsr-3477	379	6	,	,	PUNCT
fsr-3477	379	7	95	95	NUM
fsr-3477	379	8	.	.	PUNCT
fsr-3477	380	1	chien	chien	PROPN
fsr-3477	380	2	,	,	PUNCT
fsr-3477	380	3	y.	y.	PROPN
fsr-3477	380	4	w.	w.	PROPN
fsr-3477	380	5	,	,	PUNCT
fsr-3477	380	6	&	&	CCONJ
fsr-3477	380	7	devaney	devaney	PROPN
fsr-3477	380	8	,	,	PUNCT
fsr-3477	380	9	s.	s.	PROPN
fsr-3477	380	10	a.	a.	PROPN
fsr-3477	380	11	(	(	PUNCT
fsr-3477	380	12	2001	2001	NUM
fsr-3477	380	13	)	)	PUNCT
fsr-3477	380	14	.	.	PUNCT
fsr-3477	381	1	the	the	DET
fsr-3477	381	2	effects	effect	NOUN
fsr-3477	381	3	of	of	ADP
fsr-3477	381	4	credit	credit	NOUN
fsr-3477	381	5	attitude	attitude	NOUN
fsr-3477	381	6	and	and	CCONJ
fsr-3477	381	7	socioeconomic	socioeconomic	ADJ
fsr-3477	381	8	factors	factor	NOUN
fsr-3477	381	9	on	on	ADP
fsr-3477	381	10	credit	credit	NOUN
fsr-3477	381	11	card	card	NOUN
fsr-3477	381	12	and	and	CCONJ
fsr-3477	381	13	installment	installment	NOUN
fsr-3477	381	14	debt	debt	NOUN
fsr-3477	381	15	.	.	PUNCT
fsr-3477	382	1	journal	journal	NOUN
fsr-3477	382	2	of	of	ADP
fsr-3477	382	3	consumer	consumer	NOUN
fsr-3477	382	4	affairs	affair	NOUN
fsr-3477	382	5	,	,	PUNCT
fsr-3477	382	6	35	35	NUM
fsr-3477	382	7	,	,	PUNCT
fsr-3477	382	8	162–179	162–179	NUM
fsr-3477	382	9	.	.	PUNCT
fsr-3477	383	1	https://doi.org/10.1111/j.1745-6606.2001	https://doi.org/10.1111/j.1745-6606.2001	NOUN
fsr-3477	383	2	.	.	PUNCT
fsr-3477	384	1	tb00107.x	tb00107.x	NOUN
fsr-3477	384	2	druedahl	druedahl	PROPN
fsr-3477	384	3	,	,	PUNCT
fsr-3477	384	4	j.	j.	PROPN
fsr-3477	384	5	,	,	PUNCT
fsr-3477	384	6	&	&	CCONJ
fsr-3477	384	7	jørgensen	jørgensen	PROPN
fsr-3477	384	8	,	,	PUNCT
fsr-3477	384	9	c.	c.	PROPN
fsr-3477	384	10	n.	n.	PROPN
fsr-3477	384	11	(	(	PUNCT
fsr-3477	384	12	2018	2018	NUM
fsr-3477	384	13	)	)	PUNCT
fsr-3477	384	14	.	.	PUNCT
fsr-3477	385	1	precautionary	precautionary	ADJ
fsr-3477	385	2	borrowing	borrowing	NOUN
fsr-3477	385	3	and	and	CCONJ
fsr-3477	385	4	the	the	DET
fsr-3477	385	5	credit	credit	NOUN
fsr-3477	385	6	card	card	NOUN
fsr-3477	385	7	debt	debt	NOUN
fsr-3477	385	8	puzzle	puzzle	NOUN
fsr-3477	385	9	.	.	PUNCT
fsr-3477	386	1	quantitative	quantitative	ADJ
fsr-3477	386	2	economics	economic	NOUN
fsr-3477	386	3	,	,	PUNCT
fsr-3477	386	4	9	9	NUM
fsr-3477	386	5	,	,	PUNCT
fsr-3477	386	6	785–823	785–823	NUM
fsr-3477	386	7	.	.	PUNCT
fsr-3477	387	1	https://doi.org/10.3982/qe604	https://doi.org/10.3982/qe604	PROPN
fsr-3477	387	2	l.	l.	PROPN
fsr-3477	387	3	c.	c.	PROPN
fsr-3477	387	4	ricaldi	ricaldi	PROPN
fsr-3477	387	5	et	et	PROPN
fsr-3477	387	6	al	al	PROPN
fsr-3477	387	7	.	.	PUNCT
fsr-3477	387	8	/	/	SYM
fsr-3477	387	9	financial	financial	ADJ
fsr-3477	387	10	services	service	NOUN
fsr-3477	387	11	review	review	VERB
fsr-3477	387	12	30	30	NUM
fsr-3477	387	13	(	(	PUNCT
fsr-3477	387	14	2022	2022	NUM
fsr-3477	387	15	)	)	PUNCT
fsr-3477	387	16	107–124	107–124	NUM
fsr-3477	387	17	123	123	NUM
fsr-3477	387	18	gathergood	gathergood	NOUN
fsr-3477	387	19	,	,	PUNCT
fsr-3477	387	20	j.	j.	PROPN
fsr-3477	387	21	,	,	PUNCT
fsr-3477	387	22	&	&	CCONJ
fsr-3477	387	23	weber	weber	PROPN
fsr-3477	387	24	,	,	PUNCT
fsr-3477	387	25	j.	j.	PROPN
fsr-3477	387	26	(	(	PUNCT
fsr-3477	387	27	2014	2014	NUM
fsr-3477	387	28	)	)	PUNCT
fsr-3477	387	29	.	.	PUNCT
fsr-3477	388	1	self	self	NOUN
fsr-3477	388	2	-	-	PUNCT
fsr-3477	388	3	control	control	NOUN
fsr-3477	388	4	,	,	PUNCT
fsr-3477	388	5	financial	financial	ADJ
fsr-3477	388	6	literacy	literacy	NOUN
fsr-3477	388	7	&	&	CCONJ
fsr-3477	388	8	the	the	DET
fsr-3477	388	9	co	co	ADJ
fsr-3477	388	10	-	-	ADJ
fsr-3477	388	11	holding	holding	ADJ
fsr-3477	388	12	puzzle	puzzle	NOUN
fsr-3477	388	13	.	.	PUNCT
fsr-3477	389	1	journal	journal	NOUN
fsr-3477	389	2	of	of	ADP
fsr-3477	389	3	economic	economic	ADJ
fsr-3477	389	4	behavior	behavior	NOUN
fsr-3477	389	5	&	&	CCONJ
fsr-3477	389	6	organization	organization	PROPN
fsr-3477	389	7	,	,	PUNCT
fsr-3477	389	8	107	107	NUM
fsr-3477	389	9	,	,	PUNCT
fsr-3477	389	10	455–469	455–469	NUM
fsr-3477	389	11	.	.	PUNCT
fsr-3477	390	1	https://doi.org/10.1016/j.jebo.2014.04.018	https://doi.org/10.1016/j.jebo.2014.04.018	NOUN
fsr-3477	390	2	gorbachev	gorbachev	PROPN
fsr-3477	390	3	,	,	PUNCT
fsr-3477	390	4	o.	o.	PROPN
fsr-3477	390	5	,	,	PUNCT
fsr-3477	390	6	&	&	CCONJ
fsr-3477	390	7	luengo	luengo	PROPN
fsr-3477	390	8	-	-	PUNCT
fsr-3477	390	9	prado	prado	PROPN
fsr-3477	390	10	,	,	PUNCT
fsr-3477	390	11	m.	m.	NOUN
fsr-3477	390	12	j.	j.	PROPN
fsr-3477	390	13	(	(	PUNCT
fsr-3477	390	14	2019	2019	NUM
fsr-3477	390	15	)	)	PUNCT
fsr-3477	390	16	.	.	PUNCT
fsr-3477	391	1	the	the	DET
fsr-3477	391	2	credit	credit	NOUN
fsr-3477	391	3	card	card	NOUN
fsr-3477	391	4	debt	debt	NOUN
fsr-3477	391	5	puzzle	puzzle	NOUN
fsr-3477	391	6	:	:	PUNCT
fsr-3477	391	7	the	the	DET
fsr-3477	391	8	role	role	NOUN
fsr-3477	391	9	of	of	ADP
fsr-3477	391	10	preferences	preference	NOUN
fsr-3477	391	11	,	,	PUNCT
fsr-3477	391	12	credit	credit	NOUN
fsr-3477	391	13	access	access	NOUN
fsr-3477	391	14	risk	risk	NOUN
fsr-3477	391	15	,	,	PUNCT
fsr-3477	391	16	and	and	CCONJ
fsr-3477	391	17	financial	financial	ADJ
fsr-3477	391	18	literacy	literacy	NOUN
fsr-3477	391	19	.	.	PUNCT
fsr-3477	392	1	the	the	DET
fsr-3477	392	2	review	review	NOUN
fsr-3477	392	3	of	of	ADP
fsr-3477	392	4	economics	economic	NOUN
fsr-3477	392	5	and	and	CCONJ
fsr-3477	392	6	statistics	statistic	NOUN
fsr-3477	392	7	,	,	PUNCT
fsr-3477	392	8	101	101	NUM
fsr-3477	392	9	,	,	PUNCT
fsr-3477	392	10	294–309	294–309	NUM
fsr-3477	392	11	.	.	PUNCT
fsr-3477	393	1	https://doi.org/10.1162/	https://doi.org/10.1162/	PROPN
fsr-3477	393	2	rest_a_00752	rest_a_00752	NOUN
fsr-3477	393	3	greenberg	greenberg	PROPN
fsr-3477	393	4	,	,	PUNCT
fsr-3477	393	5	a.	a.	PROPN
fsr-3477	393	6	e.	e.	PROPN
fsr-3477	393	7	,	,	PUNCT
fsr-3477	393	8	&	&	CCONJ
fsr-3477	393	9	hershfield	hershfield	PROPN
fsr-3477	393	10	,	,	PUNCT
fsr-3477	393	11	h.	h.	PROPN
fsr-3477	393	12	e.	e.	PROPN
fsr-3477	393	13	(	(	PUNCT
fsr-3477	393	14	2019	2019	NUM
fsr-3477	393	15	)	)	PUNCT
fsr-3477	393	16	.	.	PUNCT
fsr-3477	394	1	on	on	ADP
fsr-3477	394	2	shifting	shift	VERB
fsr-3477	394	3	consumers	consumer	NOUN
fsr-3477	394	4	from	from	ADP
fsr-3477	394	5	high	high	ADJ
fsr-3477	394	6	-	-	PUNCT
fsr-3477	394	7	interest	interest	NOUN
fsr-3477	394	8	to	to	ADP
fsr-3477	394	9	low	low	ADJ
fsr-3477	394	10	-	-	PUNCT
fsr-3477	394	11	interest	interest	NOUN
fsr-3477	394	12	debt	debt	NOUN
fsr-3477	394	13	.	.	PUNCT
fsr-3477	395	1	financial	financial	ADJ
fsr-3477	395	2	planning	planning	PROPN
fsr-3477	395	3	review	review	NOUN
fsr-3477	395	4	,	,	PUNCT
fsr-3477	395	5	2	2	NUM
fsr-3477	395	6	,	,	PUNCT
fsr-3477	395	7	e1035	e1035	PROPN
fsr-3477	395	8	.	.	PUNCT
fsr-3477	396	1	https://doi.org/10.1002/cfp2.1035	https://doi.org/10.1002/cfp2.1035	PROPN
fsr-3477	396	2	gross	gross	PROPN
fsr-3477	396	3	,	,	PUNCT
fsr-3477	396	4	d.	d.	PROPN
fsr-3477	396	5	b.	b.	PROPN
fsr-3477	396	6	,	,	PUNCT
fsr-3477	396	7	&	&	CCONJ
fsr-3477	396	8	souleles	souleles	PROPN
fsr-3477	396	9	,	,	PUNCT
fsr-3477	396	10	n.	n.	PROPN
fsr-3477	396	11	s.	s.	PROPN
fsr-3477	396	12	(	(	PUNCT
fsr-3477	396	13	2002	2002	NUM
fsr-3477	396	14	)	)	PUNCT
fsr-3477	396	15	.	.	PUNCT
fsr-3477	397	1	do	do	VERB
fsr-3477	397	2	liquidity	liquidity	NOUN
fsr-3477	397	3	constraints	constraint	NOUN
fsr-3477	397	4	and	and	CCONJ
fsr-3477	397	5	interest	interest	NOUN
fsr-3477	397	6	rates	rate	NOUN
fsr-3477	397	7	matter	matter	VERB
fsr-3477	397	8	for	for	ADP
fsr-3477	397	9	consumer	consumer	NOUN
fsr-3477	397	10	behavior	behavior	NOUN
fsr-3477	397	11	?	?	PUNCT
fsr-3477	398	1	evidence	evidence	NOUN
fsr-3477	398	2	from	from	ADP
fsr-3477	398	3	credit	credit	NOUN
fsr-3477	398	4	card	card	NOUN
fsr-3477	398	5	data	datum	NOUN
fsr-3477	398	6	.	.	PUNCT
fsr-3477	399	1	the	the	DET
fsr-3477	399	2	quarterly	quarterly	ADJ
fsr-3477	399	3	journal	journal	NOUN
fsr-3477	399	4	of	of	ADP
fsr-3477	399	5	economics	economic	NOUN
fsr-3477	399	6	,	,	PUNCT
fsr-3477	399	7	117(february	117(february	NUM
fsr-3477	399	8	)	)	PUNCT
fsr-3477	399	9	,	,	PUNCT
fsr-3477	399	10	149–185	149–185	NUM
fsr-3477	399	11	.	.	PUNCT
fsr-3477	400	1	https://doi	https://doi	X
fsr-3477	400	2	.	.	PUNCT
fsr-3477	400	3	org/10.1162/003355302753399472	org/10.1162/003355302753399472	ADJ
fsr-3477	400	4	haliassos	haliassos	NOUN
fsr-3477	400	5	,	,	PUNCT
fsr-3477	400	6	m.	m.	NOUN
fsr-3477	400	7	,	,	PUNCT
fsr-3477	400	8	&	&	CCONJ
fsr-3477	400	9	reiter	reiter	PROPN
fsr-3477	400	10	,	,	PUNCT
fsr-3477	400	11	m.	m.	NOUN
fsr-3477	400	12	(	(	PUNCT
fsr-3477	400	13	2005	2005	NUM
fsr-3477	400	14	)	)	PUNCT
fsr-3477	400	15	.	.	PUNCT
fsr-3477	401	1	credit	credit	NOUN
fsr-3477	401	2	card	card	NOUN
fsr-3477	401	3	debt	debt	NOUN
fsr-3477	401	4	puzzles	puzzle	NOUN
fsr-3477	401	5	,	,	PUNCT
fsr-3477	401	6	unpublished	unpublished	ADJ
fsr-3477	401	7	working	working	NOUN
fsr-3477	401	8	paper	paper	NOUN
fsr-3477	401	9	,	,	PUNCT
fsr-3477	401	10	cfs	cfs	PROPN
fsr-3477	401	11	working	working	PROPN
fsr-3477	401	12	paper	paper	PROPN
fsr-3477	401	13	2005/26	2005/26	PROPN
fsr-3477	401	14	.	.	PUNCT
fsr-3477	402	1	center	center	NOUN
fsr-3477	402	2	for	for	ADP
fsr-3477	402	3	financial	financial	ADJ
fsr-3477	402	4	studies	study	NOUN
fsr-3477	402	5	.	.	PUNCT
fsr-3477	403	1	kim	kim	PROPN
fsr-3477	403	2	,	,	PUNCT
fsr-3477	403	3	h.	h.	PROPN
fsr-3477	403	4	,	,	PUNCT
fsr-3477	403	5	&	&	CCONJ
fsr-3477	403	6	devaney	devaney	PROPN
fsr-3477	403	7	,	,	PUNCT
fsr-3477	403	8	s.	s.	PROPN
fsr-3477	403	9	a.	a.	PROPN
fsr-3477	403	10	(	(	PUNCT
fsr-3477	403	11	2001	2001	NUM
fsr-3477	403	12	)	)	PUNCT
fsr-3477	403	13	.	.	PUNCT
fsr-3477	404	1	the	the	DET
fsr-3477	404	2	determinants	determinant	NOUN
fsr-3477	404	3	of	of	ADP
fsr-3477	404	4	outstanding	outstanding	ADJ
fsr-3477	404	5	balances	balance	NOUN
fsr-3477	404	6	among	among	ADP
fsr-3477	404	7	credit	credit	NOUN
fsr-3477	404	8	card	card	NOUN
fsr-3477	404	9	revolvers	revolver	NOUN
fsr-3477	404	10	.	.	PUNCT
fsr-3477	405	1	financial	financial	ADJ
fsr-3477	405	2	counseling	counseling	NOUN
fsr-3477	405	3	and	and	CCONJ
fsr-3477	405	4	planning	planning	NOUN
fsr-3477	405	5	,	,	PUNCT
fsr-3477	405	6	12	12	NUM
fsr-3477	405	7	,	,	PUNCT
fsr-3477	405	8	67–78	67–78	PROPN
fsr-3477	405	9	.	.	PUNCT
fsr-3477	406	1	laibson	laibson	PROPN
fsr-3477	406	2	,	,	PUNCT
fsr-3477	406	3	d.	d.	PROPN
fsr-3477	406	4	,	,	PUNCT
fsr-3477	406	5	repetto	repetto	PROPN
fsr-3477	406	6	,	,	PUNCT
fsr-3477	406	7	a.	a.	PROPN
fsr-3477	406	8	,	,	PUNCT
fsr-3477	406	9	&	&	CCONJ
fsr-3477	406	10	tobacman	tobacman	NOUN
fsr-3477	406	11	,	,	PUNCT
fsr-3477	406	12	j.	j.	PROPN
fsr-3477	406	13	(	(	PUNCT
fsr-3477	406	14	2001	2001	NUM
fsr-3477	406	15	)	)	PUNCT
fsr-3477	406	16	.	.	PUNCT
fsr-3477	407	1	a	a	DET
fsr-3477	407	2	debt	debt	NOUN
fsr-3477	407	3	puzzle	puzzle	NOUN
fsr-3477	407	4	.	.	PUNCT
fsr-3477	408	1	in	in	ADP
fsr-3477	408	2	p.	p.	PROPN
fsr-3477	408	3	aghion	aghion	NOUN
fsr-3477	408	4	,	,	PUNCT
fsr-3477	408	5	r.	r.	PROPN
fsr-3477	408	6	frydman	frydman	PROPN
fsr-3477	408	7	,	,	PUNCT
fsr-3477	408	8	j.	j.	PROPN
fsr-3477	408	9	stiglitz	stiglitz	PROPN
fsr-3477	408	10	,	,	PUNCT
fsr-3477	408	11	&	&	CCONJ
fsr-3477	408	12	m.	m.	PROPN
fsr-3477	408	13	woodford	woodford	PROPN
fsr-3477	408	14	(	(	PUNCT
fsr-3477	408	15	eds	ed	NOUN
fsr-3477	408	16	.	.	PUNCT
fsr-3477	408	17	)	)	PUNCT
fsr-3477	408	18	,	,	PUNCT
fsr-3477	408	19	knowledge	knowledge	NOUN
fsr-3477	408	20	,	,	PUNCT
fsr-3477	408	21	information	information	NOUN
fsr-3477	408	22	,	,	PUNCT
fsr-3477	408	23	and	and	CCONJ
fsr-3477	408	24	expectations	expectation	NOUN
fsr-3477	408	25	in	in	ADP
fsr-3477	408	26	modern	modern	ADJ
fsr-3477	408	27	economics	economic	NOUN
fsr-3477	408	28	:	:	PUNCT
fsr-3477	408	29	in	in	ADP
fsr-3477	408	30	honor	honor	NOUN
fsr-3477	408	31	of	of	ADP
fsr-3477	408	32	edmund	edmund	PROPN
fsr-3477	408	33	s.	s.	PROPN
fsr-3477	408	34	phelps	phelps	PROPN
fsr-3477	408	35	(	(	PUNCT
fsr-3477	408	36	pp	pp	ADJ
fsr-3477	408	37	.	.	PUNCT
fsr-3477	409	1	228–266	228–266	NUM
fsr-3477	409	2	)	)	PUNCT
fsr-3477	409	3	.	.	PUNCT
fsr-3477	410	1	princeton	princeton	PROPN
fsr-3477	410	2	,	,	PUNCT
fsr-3477	410	3	nj	nj	PROPN
fsr-3477	410	4	:	:	PUNCT
fsr-3477	410	5	princeton	princeton	PROPN
fsr-3477	410	6	university	university	PROPN
fsr-3477	410	7	press	press	NOUN
fsr-3477	410	8	.	.	PUNCT
fsr-3477	411	1	lindamood	lindamood	PROPN
fsr-3477	411	2	,	,	PUNCT
fsr-3477	411	3	s.	s.	PROPN
fsr-3477	411	4	,	,	PUNCT
fsr-3477	411	5	hanna	hanna	PROPN
fsr-3477	411	6	,	,	PUNCT
fsr-3477	411	7	s.	s.	PROPN
fsr-3477	411	8	d.	d.	PROPN
fsr-3477	411	9	,	,	PUNCT
fsr-3477	411	10	&	&	CCONJ
fsr-3477	411	11	bi	bi	PROPN
fsr-3477	411	12	,	,	PUNCT
fsr-3477	411	13	l.	l.	PROPN
fsr-3477	411	14	(	(	PUNCT
fsr-3477	411	15	2007	2007	NUM
fsr-3477	411	16	)	)	PUNCT
fsr-3477	411	17	.	.	PUNCT
fsr-3477	412	1	using	use	VERB
fsr-3477	412	2	the	the	DET
fsr-3477	412	3	survey	survey	NOUN
fsr-3477	412	4	of	of	ADP
fsr-3477	412	5	consumer	consumer	NOUN
fsr-3477	412	6	finances	finance	NOUN
fsr-3477	412	7	:	:	PUNCT
fsr-3477	412	8	some	some	DET
fsr-3477	412	9	methodological	methodological	ADJ
fsr-3477	412	10	considerations	consideration	NOUN
fsr-3477	412	11	and	and	CCONJ
fsr-3477	412	12	issues	issue	NOUN
fsr-3477	412	13	.	.	PUNCT
fsr-3477	413	1	journal	journal	NOUN
fsr-3477	413	2	of	of	ADP
fsr-3477	413	3	consumer	consumer	NOUN
fsr-3477	413	4	affairs	affair	NOUN
fsr-3477	413	5	,	,	PUNCT
fsr-3477	413	6	41	41	NUM
fsr-3477	413	7	,	,	PUNCT
fsr-3477	413	8	195–222	195–222	NUM
fsr-3477	413	9	.	.	PUNCT
fsr-3477	413	10	https://doi.org/10.1111/j.1745-6606.2007.00075.x	https://doi.org/10.1111/j.1745-6606.2007.00075.x	PROPN
fsr-3477	413	11	lusardi	lusardi	PROPN
fsr-3477	413	12	,	,	PUNCT
fsr-3477	413	13	a.	a.	PROPN
fsr-3477	413	14	,	,	PUNCT
fsr-3477	413	15	&	&	CCONJ
fsr-3477	413	16	scheresberg	scheresberg	PROPN
fsr-3477	413	17	,	,	PUNCT
fsr-3477	413	18	c.	c.	PROPN
fsr-3477	413	19	d.	d.	PROPN
fsr-3477	413	20	b.	b.	PROPN
fsr-3477	413	21	(	(	PUNCT
fsr-3477	413	22	2013	2013	NUM
fsr-3477	413	23	)	)	PUNCT
fsr-3477	413	24	.	.	PUNCT
fsr-3477	414	1	financial	financial	ADJ
fsr-3477	414	2	literacy	literacy	NOUN
fsr-3477	414	3	and	and	CCONJ
fsr-3477	414	4	high	high	ADJ
fsr-3477	414	5	-	-	PUNCT
fsr-3477	414	6	cost	cost	NOUN
fsr-3477	414	7	borrowing	borrowing	NOUN
fsr-3477	414	8	in	in	ADP
fsr-3477	414	9	the	the	DET
fsr-3477	414	10	united	united	PROPN
fsr-3477	414	11	states	states	PROPN
fsr-3477	414	12	(	(	PUNCT
fsr-3477	414	13	no	no	INTJ
fsr-3477	414	14	.	.	PUNCT
fsr-3477	414	15	w18969	w18969	NOUN
fsr-3477	414	16	)	)	PUNCT
fsr-3477	414	17	.	.	PUNCT
fsr-3477	415	1	cambridge	cambridge	PROPN
fsr-3477	415	2	,	,	PUNCT
fsr-3477	415	3	ma	ma	PROPN
fsr-3477	415	4	:	:	PUNCT
fsr-3477	415	5	national	national	PROPN
fsr-3477	415	6	bureau	bureau	PROPN
fsr-3477	415	7	of	of	ADP
fsr-3477	415	8	economic	economic	ADJ
fsr-3477	415	9	research	research	NOUN
fsr-3477	415	10	.	.	PUNCT
fsr-3477	416	1	middlewood	middlewood	PROPN
fsr-3477	416	2	,	,	PUNCT
fsr-3477	416	3	b.	b.	PROPN
fsr-3477	416	4	l.	l.	PROPN
fsr-3477	416	5	,	,	PUNCT
fsr-3477	416	6	chin	chin	PROPN
fsr-3477	416	7	,	,	PUNCT
fsr-3477	416	8	a.	a.	PROPN
fsr-3477	416	9	,	,	PUNCT
fsr-3477	416	10	johnson	johnson	PROPN
fsr-3477	416	11	,	,	PUNCT
fsr-3477	416	12	h.	h.	PROPN
fsr-3477	416	13	,	,	PUNCT
fsr-3477	416	14	&	&	CCONJ
fsr-3477	416	15	knoll	knoll	PROPN
fsr-3477	416	16	,	,	PUNCT
fsr-3477	416	17	m.	m.	NOUN
fsr-3477	416	18	a.	a.	NOUN
fsr-3477	416	19	(	(	PUNCT
fsr-3477	416	20	2018	2018	NUM
fsr-3477	416	21	)	)	PUNCT
fsr-3477	416	22	.	.	PUNCT
fsr-3477	417	1	exploring	explore	VERB
fsr-3477	417	2	the	the	DET
fsr-3477	417	3	relationships	relationship	NOUN
fsr-3477	417	4	between	between	ADP
fsr-3477	417	5	impatience	impatience	NOUN
fsr-3477	417	6	,	,	PUNCT
fsr-3477	417	7	savings	saving	NOUN
fsr-3477	417	8	automation	automation	NOUN
fsr-3477	417	9	,	,	PUNCT
fsr-3477	417	10	and	and	CCONJ
fsr-3477	417	11	financial	financial	ADJ
fsr-3477	417	12	welfare	welfare	NOUN
fsr-3477	417	13	.	.	PUNCT
fsr-3477	418	1	financial	financial	ADJ
fsr-3477	418	2	planning	planning	NOUN
fsr-3477	418	3	review	review	NOUN
fsr-3477	418	4	,	,	PUNCT
fsr-3477	418	5	1	1	NUM
fsr-3477	418	6	,	,	PUNCT
fsr-3477	418	7	e1020	e1020	PROPN
fsr-3477	418	8	.	.	PUNCT
fsr-3477	419	1	ricaldi	ricaldi	PROPN
fsr-3477	419	2	,	,	PUNCT
fsr-3477	419	3	l.	l.	PROPN
fsr-3477	419	4	,	,	PUNCT
fsr-3477	419	5	&	&	CCONJ
fsr-3477	419	6	huston	huston	PROPN
fsr-3477	419	7	,	,	PUNCT
fsr-3477	419	8	s.	s.	PROPN
fsr-3477	419	9	j.	j.	PROPN
fsr-3477	419	10	(	(	PUNCT
fsr-3477	419	11	2019	2019	NUM
fsr-3477	419	12	)	)	PUNCT
fsr-3477	419	13	.	.	PUNCT
fsr-3477	420	1	the	the	DET
fsr-3477	420	2	role	role	NOUN
fsr-3477	420	3	of	of	ADP
fsr-3477	420	4	dual	dual	ADJ
fsr-3477	420	5	-	-	PUNCT
fsr-3477	420	6	self	self	NOUN
fsr-3477	420	7	constructs	construct	NOUN
fsr-3477	420	8	in	in	ADP
fsr-3477	420	9	determining	determine	VERB
fsr-3477	420	10	payment	payment	NOUN
fsr-3477	420	11	card	card	NOUN
fsr-3477	420	12	choice	choice	NOUN
fsr-3477	420	13	:	:	PUNCT
fsr-3477	420	14	insights	insight	NOUN
fsr-3477	420	15	for	for	ADP
fsr-3477	420	16	working	work	VERB
fsr-3477	420	17	with	with	ADP
fsr-3477	420	18	credit	credit	NOUN
fsr-3477	420	19	card	card	NOUN
fsr-3477	420	20	borrowers	borrower	NOUN
fsr-3477	420	21	.	.	PUNCT
fsr-3477	421	1	journal	journal	NOUN
fsr-3477	421	2	of	of	ADP
fsr-3477	421	3	financial	financial	ADJ
fsr-3477	421	4	therapy	therapy	NOUN
fsr-3477	421	5	,	,	PUNCT
fsr-3477	421	6	10	10	NUM
fsr-3477	421	7	,	,	PUNCT
fsr-3477	421	8	5	5	NUM
fsr-3477	421	9	.	.	NOUN
fsr-3477	421	10	https://doi.org/10.4148/19449771.1177	https://doi.org/10.4148/19449771.1177	PROPN
fsr-3477	421	11	rutherford	rutherford	PROPN
fsr-3477	421	12	,	,	PUNCT
fsr-3477	421	13	l.	l.	PROPN
fsr-3477	421	14	g.	g.	PROPN
fsr-3477	421	15	,	,	PUNCT
fsr-3477	421	16	&	&	CCONJ
fsr-3477	421	17	devaney	devaney	PROPN
fsr-3477	421	18	,	,	PUNCT
fsr-3477	421	19	s.	s.	PROPN
fsr-3477	421	20	a.	a.	PROPN
fsr-3477	421	21	(	(	PUNCT
fsr-3477	421	22	2009	2009	NUM
fsr-3477	421	23	)	)	PUNCT
fsr-3477	421	24	.	.	PUNCT
fsr-3477	422	1	utilizing	utilize	VERB
fsr-3477	422	2	the	the	DET
fsr-3477	422	3	theory	theory	NOUN
fsr-3477	422	4	of	of	ADP
fsr-3477	422	5	planned	plan	VERB
fsr-3477	422	6	behavior	behavior	NOUN
fsr-3477	422	7	to	to	PART
fsr-3477	422	8	understand	understand	VERB
fsr-3477	422	9	convenience	convenience	NOUN
fsr-3477	422	10	use	use	NOUN
fsr-3477	422	11	of	of	ADP
fsr-3477	422	12	credit	credit	NOUN
fsr-3477	422	13	cards	card	NOUN
fsr-3477	422	14	.	.	PUNCT
fsr-3477	423	1	journal	journal	NOUN
fsr-3477	423	2	of	of	ADP
fsr-3477	423	3	financial	financial	ADJ
fsr-3477	423	4	counseling	counseling	NOUN
fsr-3477	423	5	and	and	CCONJ
fsr-3477	423	6	planning	planning	NOUN
fsr-3477	423	7	,	,	PUNCT
fsr-3477	423	8	20	20	NUM
fsr-3477	423	9	,	,	PUNCT
fsr-3477	423	10	48–63	48–63	NUM
fsr-3477	423	11	.	.	PUNCT
fsr-3477	424	1	shefrin	shefrin	NOUN
fsr-3477	424	2	,	,	PUNCT
fsr-3477	424	3	h.	h.	PROPN
fsr-3477	424	4	m.	m.	PROPN
fsr-3477	424	5	,	,	PUNCT
fsr-3477	424	6	&	&	CCONJ
fsr-3477	424	7	thaler	thaler	PROPN
fsr-3477	424	8	,	,	PUNCT
fsr-3477	424	9	r.	r.	PROPN
fsr-3477	424	10	h.	h.	PROPN
fsr-3477	424	11	(	(	PUNCT
fsr-3477	424	12	1988	1988	NUM
fsr-3477	424	13	)	)	PUNCT
fsr-3477	424	14	.	.	PUNCT
fsr-3477	425	1	the	the	DET
fsr-3477	425	2	behavioral	behavioral	ADJ
fsr-3477	425	3	life	life	NOUN
fsr-3477	425	4	-	-	PUNCT
fsr-3477	425	5	cycle	cycle	NOUN
fsr-3477	425	6	hypothesis	hypothesis	NOUN
fsr-3477	425	7	.	.	PUNCT
fsr-3477	426	1	economic	economic	ADJ
fsr-3477	426	2	inquiry	inquiry	NOUN
fsr-3477	426	3	,	,	PUNCT
fsr-3477	426	4	26	26	NUM
fsr-3477	426	5	,	,	PUNCT
fsr-3477	426	6	609–643	609–643	NUM
fsr-3477	426	7	.	.	PUNCT
fsr-3477	427	1	https://doi.org/10.1111/j.1465-7295.1988.tb01520.x	https://doi.org/10.1111/j.1465-7295.1988.tb01520.x	PROPN
fsr-3477	427	2	telyukova	telyukova	PROPN
fsr-3477	427	3	,	,	PUNCT
fsr-3477	427	4	i.	i.	PROPN
fsr-3477	427	5	a.	a.	PROPN
fsr-3477	427	6	,	,	PUNCT
fsr-3477	427	7	&	&	CCONJ
fsr-3477	427	8	wright	wright	PROPN
fsr-3477	427	9	,	,	PUNCT
fsr-3477	427	10	r.	r.	PROPN
fsr-3477	427	11	(	(	PUNCT
fsr-3477	427	12	2008	2008	NUM
fsr-3477	427	13	)	)	PUNCT
fsr-3477	427	14	.	.	PUNCT
fsr-3477	428	1	a	a	DET
fsr-3477	428	2	model	model	NOUN
fsr-3477	428	3	of	of	ADP
fsr-3477	428	4	money	money	NOUN
fsr-3477	428	5	and	and	CCONJ
fsr-3477	428	6	credit	credit	NOUN
fsr-3477	428	7	,	,	PUNCT
fsr-3477	428	8	with	with	ADP
fsr-3477	428	9	application	application	NOUN
fsr-3477	428	10	to	to	ADP
fsr-3477	428	11	the	the	DET
fsr-3477	428	12	credit	credit	NOUN
fsr-3477	428	13	card	card	NOUN
fsr-3477	428	14	debt	debt	NOUN
fsr-3477	428	15	puzzle	puzzle	NOUN
fsr-3477	428	16	.	.	PUNCT
fsr-3477	429	1	review	review	NOUN
fsr-3477	429	2	of	of	ADP
fsr-3477	429	3	economic	economic	ADJ
fsr-3477	429	4	studies	study	NOUN
fsr-3477	429	5	,	,	PUNCT
fsr-3477	429	6	75	75	NUM
fsr-3477	429	7	,	,	PUNCT
fsr-3477	429	8	629–647	629–647	NUM
fsr-3477	429	9	.	.	PUNCT
fsr-3477	430	1	https://doi.org/10.1111/j.1467-937x.2008.00487.x	https://doi.org/10.1111/j.1467-937x.2008.00487.x	PROPN
fsr-3477	430	2	thaler	thaler	NOUN
fsr-3477	430	3	,	,	PUNCT
fsr-3477	430	4	r.	r.	PROPN
fsr-3477	430	5	h.	h.	PROPN
fsr-3477	430	6	(	(	PUNCT
fsr-3477	430	7	1999	1999	NUM
fsr-3477	430	8	)	)	PUNCT
fsr-3477	430	9	.	.	PUNCT
fsr-3477	431	1	mental	mental	ADJ
fsr-3477	431	2	accounting	accounting	NOUN
fsr-3477	431	3	matters	matter	NOUN
fsr-3477	431	4	.	.	PUNCT
fsr-3477	432	1	journal	journal	NOUN
fsr-3477	432	2	of	of	ADP
fsr-3477	432	3	behavioral	behavioral	ADJ
fsr-3477	432	4	decision	decision	NOUN
fsr-3477	432	5	making	making	NOUN
fsr-3477	432	6	,	,	PUNCT
fsr-3477	432	7	12	12	NUM
fsr-3477	432	8	,	,	PUNCT
fsr-3477	432	9	183–206	183–206	NUM
fsr-3477	432	10	.	.	PUNCT
fsr-3477	433	1	https://	https://	PROPN
fsr-3477	433	2	doi.org/10.1002/(sici)1099-0771(199909)12:3<183::aid-bdm318>3.0.co;2-f	doi.org/10.1002/(sici)1099-0771(199909)12:3<183::aid-bdm318>3.0.co;2-f	VERB
fsr-3477	433	3	124	124	NUM
fsr-3477	433	4	l.	l.	PROPN
fsr-3477	433	5	c.	c.	PROPN
fsr-3477	433	6	ricaldi	ricaldi	PROPN
fsr-3477	433	7	et	et	PROPN
fsr-3477	433	8	al	al	PROPN
fsr-3477	433	9	.	.	PUNCT
fsr-3477	433	10	/	/	SYM
fsr-3477	433	11	financial	financial	ADJ
fsr-3477	433	12	services	service	NOUN
fsr-3477	433	13	review	review	VERB
fsr-3477	433	14	30	30	NUM
fsr-3477	433	15	(	(	PUNCT
fsr-3477	433	16	2022	2022	NUM
fsr-3477	433	17	)	)	PUNCT
fsr-3477	433	18	107–124	107–124	NUM