id	sid	tid	token	lemma	pos
fsr-3479	1	1	distribution	distribution	NOUN
fsr-3479	1	2	channel	channel	NOUN
fsr-3479	1	3	effects	effect	NOUN
fsr-3479	1	4	on	on	ADP
fsr-3479	1	5	advisor	advisor	NOUN
fsr-3479	1	6	managed	manage	VERB
fsr-3479	1	7	investment	investment	NOUN
fsr-3479	1	8	performance	performance	NOUN
fsr-3479	1	9	jason	jason	PROPN
fsr-3479	1	10	e.	e.	PROPN
fsr-3479	1	11	hellera	hellera	PROPN
fsr-3479	1	12	*	*	PROPN
fsr-3479	1	13	,	,	PUNCT
fsr-3479	1	14	benjamin	benjamin	PROPN
fsr-3479	1	15	f.	f.	PROPN
fsr-3479	1	16	cummingsb	cummingsb	PROPN
fsr-3479	1	17	,	,	PUNCT
fsr-3479	1	18	jason	jason	PROPN
fsr-3479	1	19	martinc	martinc	PROPN
fsr-3479	1	20	acoastal	acoastal	PROPN
fsr-3479	1	21	wealth	wealth	NOUN
fsr-3479	1	22	,	,	PUNCT
fsr-3479	1	23	1000	1000	NUM
fsr-3479	1	24	corporate	corporate	ADJ
fsr-3479	1	25	drive	drive	NOUN
fsr-3479	1	26	,	,	PUNCT
fsr-3479	1	27	7th	7th	ADJ
fsr-3479	1	28	floor	floor	NOUN
fsr-3479	1	29	,	,	PUNCT
fsr-3479	1	30	ft	ft	PROPN
fsr-3479	1	31	.	.	PROPN
fsr-3479	1	32	lauderdale	lauderdale	PROPN
fsr-3479	1	33	,	,	PUNCT
fsr-3479	1	34	fl	fl	PROPN
fsr-3479	1	35	33334	33334	NUM
fsr-3479	1	36	,	,	PUNCT
fsr-3479	1	37	usa	usa	PROPN
fsr-3479	1	38	bdepartment	bdepartment	NOUN
fsr-3479	1	39	of	of	ADP
fsr-3479	1	40	financial	financial	ADJ
fsr-3479	1	41	planning	planning	PROPN
fsr-3479	1	42	&	&	CCONJ
fsr-3479	1	43	analytics	analytics	PROPN
fsr-3479	1	44	,	,	PUNCT
fsr-3479	1	45	utah	utah	PROPN
fsr-3479	1	46	valley	valley	PROPN
fsr-3479	1	47	university	university	PROPN
fsr-3479	1	48	,	,	PUNCT
fsr-3479	1	49	800	800	NUM
fsr-3479	1	50	west	west	PROPN
fsr-3479	1	51	university	university	PROPN
fsr-3479	1	52	parkway	parkway	NOUN
fsr-3479	1	53	,	,	PUNCT
fsr-3479	1	54	orem	orem	PROPN
fsr-3479	1	55	,	,	PUNCT
fsr-3479	1	56	ut	ut	PROPN
fsr-3479	1	57	84058	84058	NUM
fsr-3479	1	58	,	,	PUNCT
fsr-3479	1	59	usa	usa	PROPN
fsr-3479	1	60	cthe	cthe	PROPN
fsr-3479	1	61	american	american	PROPN
fsr-3479	1	62	college	college	PROPN
fsr-3479	1	63	of	of	ADP
fsr-3479	1	64	financial	financial	ADJ
fsr-3479	1	65	services	service	NOUN
fsr-3479	1	66	,	,	PUNCT
fsr-3479	1	67	605	605	NUM
fsr-3479	1	68	oreland	oreland	ADJ
fsr-3479	1	69	mill	mill	NOUN
fsr-3479	1	70	road	road	NOUN
fsr-3479	1	71	,	,	PUNCT
fsr-3479	1	72	oreland	oreland	ADV
fsr-3479	1	73	,	,	PUNCT
fsr-3479	1	74	pa	pa	PROPN
fsr-3479	1	75	19075	19075	NUM
fsr-3479	1	76	,	,	PUNCT
fsr-3479	1	77	usa	usa	PROPN
fsr-3479	1	78	abstract	abstract	NOUN
fsr-3479	1	79	this	this	DET
fsr-3479	1	80	study	study	NOUN
fsr-3479	1	81	focuses	focus	VERB
fsr-3479	1	82	on	on	ADP
fsr-3479	1	83	the	the	DET
fsr-3479	1	84	effects	effect	NOUN
fsr-3479	1	85	that	that	PRON
fsr-3479	1	86	business	business	NOUN
fsr-3479	1	87	models	model	NOUN
fsr-3479	1	88	have	have	VERB
fsr-3479	1	89	on	on	ADP
fsr-3479	1	90	advisor	advisor	NOUN
fsr-3479	1	91	managed	manage	VERB
fsr-3479	1	92	portfolio	portfolio	NOUN
fsr-3479	1	93	performance	performance	NOUN
fsr-3479	1	94	by	by	ADP
fsr-3479	1	95	attempting	attempt	VERB
fsr-3479	1	96	to	to	PART
fsr-3479	1	97	determine	determine	VERB
fsr-3479	1	98	if	if	SCONJ
fsr-3479	1	99	advisors	advisor	NOUN
fsr-3479	1	100	at	at	ADP
fsr-3479	1	101	registered	register	VERB
fsr-3479	1	102	investment	investment	NOUN
fsr-3479	1	103	advisory	advisory	NOUN
fsr-3479	1	104	(	(	PUNCT
fsr-3479	1	105	ria	ria	PROPN
fsr-3479	1	106	)	)	PUNCT
fsr-3479	1	107	firms	firm	NOUN
fsr-3479	1	108	produce	produce	VERB
fsr-3479	1	109	higher	high	ADJ
fsr-3479	1	110	net	net	ADJ
fsr-3479	1	111	investment	investment	NOUN
fsr-3479	1	112	results	result	NOUN
fsr-3479	1	113	compared	compare	VERB
fsr-3479	1	114	with	with	ADP
fsr-3479	1	115	advisors	advisor	NOUN
fsr-3479	1	116	employed	employ	VERB
fsr-3479	1	117	at	at	ADP
fsr-3479	1	118	dually	dually	ADV
fsr-3479	1	119	registered	register	VERB
fsr-3479	1	120	independent	independent	ADJ
fsr-3479	1	121	broker	broker	NOUN
fsr-3479	1	122	/	/	SYM
fsr-3479	1	123	dealer	dealer	NOUN
fsr-3479	1	124	(	(	PUNCT
fsr-3479	1	125	ibd	ibd	NOUN
fsr-3479	1	126	)	)	PUNCT
fsr-3479	1	127	firms	firm	NOUN
fsr-3479	1	128	.	.	PUNCT
fsr-3479	2	1	using	use	VERB
fsr-3479	2	2	data	datum	NOUN
fsr-3479	2	3	from	from	ADP
fsr-3479	2	4	one	one	NUM
fsr-3479	2	5	of	of	ADP
fsr-3479	2	6	the	the	DET
fsr-3479	2	7	largest	large	ADJ
fsr-3479	2	8	investment	investment	NOUN
fsr-3479	2	9	advisory	advisory	NOUN
fsr-3479	2	10	platforms	platform	NOUN
fsr-3479	2	11	in	in	ADP
fsr-3479	2	12	the	the	DET
fsr-3479	2	13	united	united	PROPN
fsr-3479	2	14	states	states	PROPN
fsr-3479	2	15	,	,	PUNCT
fsr-3479	2	16	we	we	PRON
fsr-3479	2	17	found	find	VERB
fsr-3479	2	18	qualified	qualified	ADJ
fsr-3479	2	19	supporting	support	VERB
fsr-3479	2	20	evidence	evidence	NOUN
fsr-3479	2	21	that	that	SCONJ
fsr-3479	2	22	advisors	advisor	NOUN
fsr-3479	2	23	at	at	ADP
fsr-3479	2	24	rias	rias	PROPN
fsr-3479	2	25	outperformed	outperform	VERB
fsr-3479	2	26	advisors	advisor	NOUN
fsr-3479	2	27	at	at	ADP
fsr-3479	2	28	ibds	ibds	NOUN
fsr-3479	2	29	in	in	ADP
fsr-3479	2	30	higher	high	ADJ
fsr-3479	2	31	-	-	PUNCT
fsr-3479	2	32	risk	risk	NOUN
fsr-3479	2	33	portfolios	portfolio	NOUN
fsr-3479	2	34	through	through	ADP
fsr-3479	2	35	the	the	DET
fsr-3479	2	36	use	use	NOUN
fsr-3479	2	37	of	of	ADP
fsr-3479	2	38	turnkey	turnkey	NOUN
fsr-3479	2	39	asset	asset	NOUN
fsr-3479	2	40	management	management	NOUN
fsr-3479	2	41	programs	program	NOUN
fsr-3479	2	42	and	and	CCONJ
fsr-3479	2	43	unified	unified	ADJ
fsr-3479	2	44	managed	manage	VERB
fsr-3479	2	45	accounts	account	NOUN
fsr-3479	2	46	.	.	PUNCT
fsr-3479	3	1	©	©	ADP
fsr-3479	3	2	2022	2022	NUM
fsr-3479	3	3	academy	academy	NOUN
fsr-3479	3	4	of	of	ADP
fsr-3479	3	5	financial	financial	ADJ
fsr-3479	3	6	services	service	NOUN
fsr-3479	3	7	.	.	PUNCT
fsr-3479	4	1	all	all	DET
fsr-3479	4	2	rights	right	NOUN
fsr-3479	4	3	reserved	reserve	VERB
fsr-3479	4	4	.	.	PUNCT
fsr-3479	5	1	jel	jel	PROPN
fsr-3479	5	2	classification	classification	NOUN
fsr-3479	5	3	:	:	PUNCT
fsr-3479	5	4	g2	g2	PROPN
fsr-3479	5	5	keywords	keyword	NOUN
fsr-3479	5	6	:	:	PUNCT
fsr-3479	5	7	cognitive	cognitive	ADJ
fsr-3479	5	8	load	load	NOUN
fsr-3479	5	9	theory	theory	NOUN
fsr-3479	5	10	;	;	PUNCT
fsr-3479	5	11	registered	register	VERB
fsr-3479	5	12	investment	investment	NOUN
fsr-3479	5	13	advisor	advisor	NOUN
fsr-3479	5	14	;	;	PUNCT
fsr-3479	5	15	independent	independent	ADJ
fsr-3479	5	16	broker	broker	NOUN
fsr-3479	5	17	/	/	SYM
fsr-3479	5	18	dealer	dealer	NOUN
fsr-3479	5	19	;	;	PUNCT
fsr-3479	5	20	compensation	compensation	NOUN
fsr-3479	5	21	puzzle	puzzle	NOUN
fsr-3479	5	22	;	;	PUNCT
fsr-3479	5	23	investment	investment	NOUN
fsr-3479	5	24	performance	performance	NOUN
fsr-3479	5	25	1	1	NUM
fsr-3479	5	26	.	.	PUNCT
fsr-3479	6	1	introduction	introduction	NOUN
fsr-3479	6	2	the	the	DET
fsr-3479	6	3	efficacy	efficacy	NOUN
fsr-3479	6	4	of	of	ADP
fsr-3479	6	5	financial	financial	ADJ
fsr-3479	6	6	advice	advice	NOUN
fsr-3479	6	7	often	often	ADV
fsr-3479	6	8	compares	compare	VERB
fsr-3479	6	9	investment	investment	NOUN
fsr-3479	6	10	performance	performance	NOUN
fsr-3479	6	11	to	to	ADP
fsr-3479	6	12	benchmark	benchmark	ADJ
fsr-3479	6	13	portfolios	portfolio	NOUN
fsr-3479	6	14	.	.	PUNCT
fsr-3479	7	1	this	this	DET
fsr-3479	7	2	study	study	NOUN
fsr-3479	7	3	segments	segment	VERB
fsr-3479	7	4	the	the	DET
fsr-3479	7	5	financial	financial	ADJ
fsr-3479	7	6	advice	advice	NOUN
fsr-3479	7	7	market	market	NOUN
fsr-3479	7	8	into	into	ADP
fsr-3479	7	9	two	two	NUM
fsr-3479	7	10	separate	separate	ADJ
fsr-3479	7	11	distribution	distribution	NOUN
fsr-3479	7	12	channels	channel	NOUN
fsr-3479	7	13	—	—	PUNCT
fsr-3479	7	14	registered	register	VERB
fsr-3479	7	15	investment	investment	NOUN
fsr-3479	7	16	advisors	advisor	NOUN
fsr-3479	7	17	and	and	CCONJ
fsr-3479	7	18	independent	independent	ADJ
fsr-3479	7	19	broker	broker	NOUN
fsr-3479	7	20	-	-	PUNCT
fsr-3479	7	21	dealers	dealer	NOUN
fsr-3479	7	22	—	—	PUNCT
fsr-3479	7	23	to	to	PART
fsr-3479	7	24	determine	determine	VERB
fsr-3479	7	25	corresponding	corresponding	ADJ
fsr-3479	7	26	author	author	NOUN
fsr-3479	7	27	:	:	PUNCT
fsr-3479	7	28	tel	tel	PROPN
fsr-3479	7	29	.	.	PUNCT
fsr-3479	7	30	:	:	PUNCT
fsr-3479	8	1	+1	+1	PROPN
fsr-3479	8	2	-	-	PUNCT
fsr-3479	8	3	954	954	NUM
fsr-3479	8	4	-	-	PUNCT
fsr-3479	8	5	938	938	NUM
fsr-3479	8	6	-	-	PUNCT
fsr-3479	8	7	8800	8800	NUM
fsr-3479	8	8	;	;	PUNCT
fsr-3479	8	9	fax	fax	NOUN
fsr-3479	8	10	:	:	PUNCT
fsr-3479	8	11	+1	+1	PROPN
fsr-3479	8	12	-	-	PUNCT
fsr-3479	8	13	954	954	NUM
fsr-3479	8	14	-	-	PUNCT
fsr-3479	8	15	351	351	NUM
fsr-3479	8	16	-	-	PUNCT
fsr-3479	8	17	2468	2468	NUM
fsr-3479	8	18	.	.	PUNCT
fsr-3479	9	1	e	e	X
fsr-3479	9	2	-	-	NOUN
fsr-3479	9	3	mail	mail	NOUN
fsr-3479	9	4	address	address	NOUN
fsr-3479	9	5	:	:	PUNCT
fsr-3479	9	6	jasonheller@mycoastalwealth.com	jasonheller@mycoastalwealth.com	X
fsr-3479	9	7	1057	1057	NUM
fsr-3479	9	8	-	-	SYM
fsr-3479	9	9	0810/22/$	0810/22/$	NUM
fsr-3479	9	10	–	–	PUNCT
fsr-3479	9	11	see	see	VERB
fsr-3479	9	12	front	front	ADJ
fsr-3479	9	13	matter	matter	NOUN
fsr-3479	9	14	©	©	PROPN
fsr-3479	9	15	2022	2022	NUM
fsr-3479	9	16	academy	academy	NOUN
fsr-3479	9	17	of	of	ADP
fsr-3479	9	18	financial	financial	ADJ
fsr-3479	9	19	services	service	NOUN
fsr-3479	9	20	.	.	PUNCT
fsr-3479	10	1	all	all	DET
fsr-3479	10	2	rights	right	NOUN
fsr-3479	10	3	reserved	reserve	VERB
fsr-3479	10	4	.	.	PUNCT
fsr-3479	11	1	financial	financial	ADJ
fsr-3479	11	2	services	service	NOUN
fsr-3479	11	3	review	review	VERB
fsr-3479	11	4	30	30	NUM
fsr-3479	11	5	(	(	PUNCT
fsr-3479	11	6	2022	2022	NUM
fsr-3479	11	7	)	)	PUNCT
fsr-3479	11	8	145–164	145–164	NUM
fsr-3479	11	9	if	if	SCONJ
fsr-3479	11	10	membership	membership	NOUN
fsr-3479	11	11	in	in	ADP
fsr-3479	11	12	a	a	DET
fsr-3479	11	13	particular	particular	ADJ
fsr-3479	11	14	channel	channel	NOUN
fsr-3479	11	15	has	have	VERB
fsr-3479	11	16	a	a	DET
fsr-3479	11	17	significant	significant	ADJ
fsr-3479	11	18	predictive	predictive	ADJ
fsr-3479	11	19	relationship	relationship	NOUN
fsr-3479	11	20	with	with	ADP
fsr-3479	11	21	advisor	advisor	NOUN
fsr-3479	11	22	managed	manage	VERB
fsr-3479	11	23	portfolio	portfolio	NOUN
fsr-3479	11	24	performance	performance	NOUN
fsr-3479	11	25	.	.	PUNCT
fsr-3479	12	1	other	other	ADJ
fsr-3479	12	2	than	than	ADP
fsr-3479	12	3	potential	potential	ADJ
fsr-3479	12	4	philosophical	philosophical	ADJ
fsr-3479	12	5	differences	difference	NOUN
fsr-3479	12	6	,	,	PUNCT
fsr-3479	12	7	the	the	DET
fsr-3479	12	8	main	main	ADJ
fsr-3479	12	9	difference	difference	NOUN
fsr-3479	12	10	that	that	PRON
fsr-3479	12	11	separates	separate	VERB
fsr-3479	12	12	registered	registered	ADJ
fsr-3479	12	13	investment	investment	NOUN
fsr-3479	12	14	advisory	advisory	NOUN
fsr-3479	12	15	(	(	PUNCT
fsr-3479	12	16	ria	ria	PROPN
fsr-3479	12	17	)	)	PUNCT
fsr-3479	12	18	and	and	CCONJ
fsr-3479	12	19	independent	independent	ADJ
fsr-3479	12	20	broker	broker	NOUN
fsr-3479	12	21	/	/	SYM
fsr-3479	12	22	dealer	dealer	NOUN
fsr-3479	12	23	(	(	PUNCT
fsr-3479	12	24	ibd	ibd	PROPN
fsr-3479	12	25	)	)	PUNCT
fsr-3479	12	26	firms	firm	NOUN
fsr-3479	12	27	is	be	AUX
fsr-3479	12	28	the	the	DET
fsr-3479	12	29	compensation	compensation	NOUN
fsr-3479	12	30	structures	structure	NOUN
fsr-3479	12	31	employed	employ	VERB
fsr-3479	12	32	.	.	PUNCT
fsr-3479	13	1	traditionally	traditionally	ADV
fsr-3479	13	2	,	,	PUNCT
fsr-3479	13	3	ria	ria	PROPN
fsr-3479	13	4	firms	firm	NOUN
fsr-3479	13	5	derive	derive	VERB
fsr-3479	13	6	their	their	PRON
fsr-3479	13	7	compensation	compensation	NOUN
fsr-3479	13	8	from	from	ADP
fsr-3479	13	9	fee	fee	NOUN
fsr-3479	13	10	-	-	PUNCT
fsr-3479	13	11	only	only	ADJ
fsr-3479	13	12	arrangements	arrangement	NOUN
fsr-3479	13	13	.	.	PUNCT
fsr-3479	14	1	in	in	ADP
fsr-3479	14	2	an	an	DET
fsr-3479	14	3	assets	asset	NOUN
fsr-3479	14	4	-	-	PUNCT
fsr-3479	14	5	undermanagement	undermanagement	NOUN
fsr-3479	14	6	model	model	NOUN
fsr-3479	14	7	,	,	PUNCT
fsr-3479	14	8	the	the	DET
fsr-3479	14	9	advisor	advisor	NOUN
fsr-3479	14	10	charges	charge	VERB
fsr-3479	14	11	a	a	DET
fsr-3479	14	12	percentage	percentage	NOUN
fsr-3479	14	13	of	of	ADP
fsr-3479	14	14	the	the	DET
fsr-3479	14	15	client	client	NOUN
fsr-3479	14	16	’s	’s	PART
fsr-3479	14	17	portfolio	portfolio	NOUN
fsr-3479	14	18	on	on	ADP
fsr-3479	14	19	a	a	DET
fsr-3479	14	20	quarterly	quarterly	ADJ
fsr-3479	14	21	or	or	CCONJ
fsr-3479	14	22	monthly	monthly	ADJ
fsr-3479	14	23	basis	basis	NOUN
fsr-3479	14	24	.	.	PUNCT
fsr-3479	15	1	in	in	ADP
fsr-3479	15	2	typical	typical	ADJ
fsr-3479	15	3	assets	asset	NOUN
fsr-3479	15	4	-	-	PUNCT
fsr-3479	15	5	undermanagement	undermanagement	NOUN
fsr-3479	15	6	programs	program	NOUN
fsr-3479	15	7	,	,	PUNCT
fsr-3479	15	8	trading	trading	NOUN
fsr-3479	15	9	securities	security	NOUN
fsr-3479	15	10	does	do	AUX
fsr-3479	15	11	not	not	PART
fsr-3479	15	12	generate	generate	VERB
fsr-3479	15	13	a	a	DET
fsr-3479	15	14	commission	commission	NOUN
fsr-3479	15	15	for	for	ADP
fsr-3479	15	16	the	the	DET
fsr-3479	15	17	advisor	advisor	NOUN
fsr-3479	15	18	;	;	PUNCT
fsr-3479	15	19	the	the	DET
fsr-3479	15	20	value	value	NOUN
fsr-3479	15	21	in	in	ADP
fsr-3479	15	22	such	such	ADJ
fsr-3479	15	23	actions	action	NOUN
fsr-3479	15	24	lies	lie	VERB
fsr-3479	15	25	in	in	ADP
fsr-3479	15	26	the	the	DET
fsr-3479	15	27	potential	potential	NOUN
fsr-3479	15	28	of	of	ADP
fsr-3479	15	29	the	the	DET
fsr-3479	15	30	replacing	replace	VERB
fsr-3479	15	31	security	security	NOUN
fsr-3479	15	32	outperforming	outperform	VERB
fsr-3479	15	33	the	the	DET
fsr-3479	15	34	replaced	replace	VERB
fsr-3479	15	35	security	security	NOUN
fsr-3479	15	36	and	and	CCONJ
fsr-3479	15	37	thus	thus	ADV
fsr-3479	15	38	increasing	increase	VERB
fsr-3479	15	39	the	the	DET
fsr-3479	15	40	account	account	NOUN
fsr-3479	15	41	value	value	NOUN
fsr-3479	15	42	,	,	PUNCT
fsr-3479	15	43	in	in	ADP
fsr-3479	15	44	turn	turn	NOUN
fsr-3479	15	45	generating	generate	VERB
fsr-3479	15	46	a	a	DET
fsr-3479	15	47	higher	high	ADJ
fsr-3479	15	48	dollar	dollar	NOUN
fsr-3479	15	49	amount	amount	NOUN
fsr-3479	15	50	earned	earn	VERB
fsr-3479	15	51	by	by	ADP
fsr-3479	15	52	the	the	DET
fsr-3479	15	53	advisor	advisor	PROPN
fsr-3479	15	54	.	.	PROPN
fsr-3479	15	55	ibds	ibds	PROPN
fsr-3479	15	56	employ	employ	VERB
fsr-3479	15	57	a	a	DET
fsr-3479	15	58	dual	dual	ADJ
fsr-3479	15	59	registration	registration	NOUN
fsr-3479	15	60	model	model	NOUN
fsr-3479	15	61	that	that	PRON
fsr-3479	15	62	allows	allow	VERB
fsr-3479	15	63	for	for	ADP
fsr-3479	15	64	fee	fee	NOUN
fsr-3479	15	65	-	-	PUNCT
fsr-3479	15	66	for	for	ADP
fsr-3479	15	67	-	-	PUNCT
fsr-3479	15	68	advice	advice	NOUN
fsr-3479	15	69	models	model	NOUN
fsr-3479	15	70	as	as	ADV
fsr-3479	15	71	well	well	ADV
fsr-3479	15	72	as	as	ADP
fsr-3479	15	73	commission	commission	NOUN
fsr-3479	15	74	-	-	PUNCT
fsr-3479	15	75	based	base	VERB
fsr-3479	15	76	compensation	compensation	NOUN
fsr-3479	15	77	programs	program	NOUN
fsr-3479	15	78	.	.	PUNCT
fsr-3479	16	1	the	the	DET
fsr-3479	16	2	advisor	advisor	NOUN
fsr-3479	16	3	retains	retain	VERB
fsr-3479	16	4	the	the	DET
fsr-3479	16	5	sole	sole	ADJ
fsr-3479	16	6	discretion	discretion	NOUN
fsr-3479	16	7	as	as	ADP
fsr-3479	16	8	to	to	ADP
fsr-3479	16	9	which	which	DET
fsr-3479	16	10	model	model	NOUN
fsr-3479	16	11	or	or	CCONJ
fsr-3479	16	12	mixture	mixture	NOUN
fsr-3479	16	13	of	of	ADP
fsr-3479	16	14	the	the	DET
fsr-3479	16	15	two	two	NUM
fsr-3479	16	16	they	they	PRON
fsr-3479	16	17	utilize	utilize	VERB
fsr-3479	16	18	.	.	PUNCT
fsr-3479	17	1	the	the	DET
fsr-3479	17	2	decision	decision	NOUN
fsr-3479	17	3	ibds	ibds	NOUN
fsr-3479	17	4	face	face	NOUN
fsr-3479	17	5	about	about	ADP
fsr-3479	17	6	which	which	DET
fsr-3479	17	7	compensation	compensation	NOUN
fsr-3479	17	8	regime	regime	NOUN
fsr-3479	17	9	to	to	PART
fsr-3479	17	10	pursue	pursue	VERB
fsr-3479	17	11	creates	create	VERB
fsr-3479	17	12	the	the	DET
fsr-3479	17	13	potential	potential	NOUN
fsr-3479	17	14	for	for	ADP
fsr-3479	17	15	an	an	DET
fsr-3479	17	16	advisor	advisor	NOUN
fsr-3479	17	17	’s	’s	PART
fsr-3479	17	18	attention	attention	NOUN
fsr-3479	17	19	to	to	PART
fsr-3479	17	20	be	be	AUX
fsr-3479	17	21	diverted	divert	VERB
fsr-3479	17	22	away	away	ADV
fsr-3479	17	23	from	from	ADP
fsr-3479	17	24	their	their	PRON
fsr-3479	17	25	central	central	ADJ
fsr-3479	17	26	task	task	NOUN
fsr-3479	17	27	of	of	ADP
fsr-3479	17	28	investment	investment	NOUN
fsr-3479	17	29	management	management	NOUN
fsr-3479	17	30	.	.	PUNCT
fsr-3479	18	1	due	due	ADP
fsr-3479	18	2	to	to	ADP
fsr-3479	18	3	this	this	DET
fsr-3479	18	4	diversion	diversion	NOUN
fsr-3479	18	5	,	,	PUNCT
fsr-3479	18	6	we	we	PRON
fsr-3479	18	7	seek	seek	VERB
fsr-3479	18	8	to	to	PART
fsr-3479	18	9	determine	determine	VERB
fsr-3479	18	10	if	if	SCONJ
fsr-3479	18	11	the	the	DET
fsr-3479	18	12	distribution	distribution	NOUN
fsr-3479	18	13	channel	channel	NOUN
fsr-3479	18	14	affects	affect	VERB
fsr-3479	18	15	advisor	advisor	NOUN
fsr-3479	18	16	managed	manage	VERB
fsr-3479	18	17	portfolio	portfolio	NOUN
fsr-3479	18	18	returns	return	NOUN
fsr-3479	18	19	when	when	SCONJ
fsr-3479	18	20	comparing	compare	VERB
fsr-3479	18	21	rias	ria	NOUN
fsr-3479	18	22	and	and	CCONJ
fsr-3479	18	23	ibds	ibds	NOUN
fsr-3479	18	24	.	.	PUNCT
fsr-3479	19	1	the	the	DET
fsr-3479	19	2	rest	rest	NOUN
fsr-3479	19	3	of	of	ADP
fsr-3479	19	4	the	the	DET
fsr-3479	19	5	paper	paper	NOUN
fsr-3479	19	6	proceeds	proceed	NOUN
fsr-3479	19	7	as	as	SCONJ
fsr-3479	19	8	follows	follow	VERB
fsr-3479	19	9	:	:	PUNCT
fsr-3479	19	10	the	the	DET
fsr-3479	19	11	literature	literature	PROPN
fsr-3479	19	12	review	review	NOUN
fsr-3479	19	13	section	section	NOUN
fsr-3479	19	14	provides	provide	VERB
fsr-3479	19	15	a	a	DET
fsr-3479	19	16	detailed	detailed	ADJ
fsr-3479	19	17	background	background	NOUN
fsr-3479	19	18	on	on	ADP
fsr-3479	19	19	the	the	DET
fsr-3479	19	20	efficacy	efficacy	NOUN
fsr-3479	19	21	of	of	ADP
fsr-3479	19	22	financial	financial	ADJ
fsr-3479	19	23	advice	advice	NOUN
fsr-3479	19	24	,	,	PUNCT
fsr-3479	19	25	highlighting	highlight	VERB
fsr-3479	19	26	a	a	DET
fsr-3479	19	27	gap	gap	NOUN
fsr-3479	19	28	in	in	ADP
fsr-3479	19	29	the	the	DET
fsr-3479	19	30	literature	literature	NOUN
fsr-3479	19	31	regarding	regard	VERB
fsr-3479	19	32	segmentation	segmentation	NOUN
fsr-3479	19	33	of	of	ADP
fsr-3479	19	34	advisor	advisor	NOUN
fsr-3479	19	35	distribution	distribution	NOUN
fsr-3479	19	36	channel	channel	NOUN
fsr-3479	19	37	membership	membership	NOUN
fsr-3479	19	38	.	.	PUNCT
fsr-3479	20	1	the	the	DET
fsr-3479	20	2	theoretical	theoretical	ADJ
fsr-3479	20	3	framework	framework	NOUN
fsr-3479	20	4	relates	relate	VERB
fsr-3479	20	5	cognitive	cognitive	ADJ
fsr-3479	20	6	load	load	NOUN
fsr-3479	20	7	theory	theory	NOUN
fsr-3479	20	8	to	to	ADP
fsr-3479	20	9	the	the	DET
fsr-3479	20	10	task	task	NOUN
fsr-3479	20	11	of	of	ADP
fsr-3479	20	12	investment	investment	NOUN
fsr-3479	20	13	management	management	NOUN
fsr-3479	20	14	.	.	PUNCT
fsr-3479	21	1	the	the	DET
fsr-3479	21	2	methods	method	NOUN
fsr-3479	21	3	and	and	CCONJ
fsr-3479	21	4	data	datum	NOUN
fsr-3479	21	5	employed	employ	VERB
fsr-3479	21	6	for	for	ADP
fsr-3479	21	7	the	the	DET
fsr-3479	21	8	study	study	NOUN
fsr-3479	21	9	are	be	AUX
fsr-3479	21	10	then	then	ADV
fsr-3479	21	11	explained	explain	VERB
fsr-3479	21	12	,	,	PUNCT
fsr-3479	21	13	and	and	CCONJ
fsr-3479	21	14	the	the	DET
fsr-3479	21	15	results	result	NOUN
fsr-3479	21	16	are	be	AUX
fsr-3479	21	17	presented	present	VERB
fsr-3479	21	18	.	.	PUNCT
fsr-3479	22	1	a	a	DET
fsr-3479	22	2	discussion	discussion	NOUN
fsr-3479	22	3	of	of	ADP
fsr-3479	22	4	the	the	DET
fsr-3479	22	5	results	result	NOUN
fsr-3479	22	6	precedes	precede	VERB
fsr-3479	22	7	the	the	DET
fsr-3479	22	8	conclusion	conclusion	NOUN
fsr-3479	22	9	,	,	PUNCT
fsr-3479	22	10	which	which	PRON
fsr-3479	22	11	includes	include	VERB
fsr-3479	22	12	limitations	limitation	NOUN
fsr-3479	22	13	and	and	CCONJ
fsr-3479	22	14	implications	implication	NOUN
fsr-3479	22	15	of	of	ADP
fsr-3479	22	16	the	the	DET
fsr-3479	22	17	study	study	NOUN
fsr-3479	22	18	as	as	ADV
fsr-3479	22	19	well	well	ADV
fsr-3479	22	20	as	as	ADP
fsr-3479	22	21	areas	area	NOUN
fsr-3479	22	22	for	for	ADP
fsr-3479	22	23	future	future	ADJ
fsr-3479	22	24	research	research	NOUN
fsr-3479	22	25	.	.	PUNCT
fsr-3479	23	1	1.1	1.1	NUM
fsr-3479	23	2	.	.	PUNCT
fsr-3479	24	1	literature	literature	NOUN
fsr-3479	24	2	review	review	VERB
fsr-3479	24	3	numerous	numerous	ADJ
fsr-3479	24	4	studies	study	NOUN
fsr-3479	24	5	show	show	VERB
fsr-3479	24	6	that	that	SCONJ
fsr-3479	24	7	the	the	DET
fsr-3479	24	8	majority	majority	NOUN
fsr-3479	24	9	of	of	ADP
fsr-3479	24	10	professional	professional	ADJ
fsr-3479	24	11	money	money	NOUN
fsr-3479	24	12	managers	manager	NOUN
fsr-3479	24	13	do	do	AUX
fsr-3479	24	14	not	not	PART
fsr-3479	24	15	consistently	consistently	ADV
fsr-3479	24	16	outperform	outperform	VERB
fsr-3479	24	17	passive	passive	ADJ
fsr-3479	24	18	benchmarks	benchmark	NOUN
fsr-3479	24	19	(	(	PUNCT
fsr-3479	24	20	del	del	PROPN
fsr-3479	24	21	guercio	guercio	PROPN
fsr-3479	24	22	,	,	PUNCT
fsr-3479	24	23	reuter	reuter	PROPN
fsr-3479	24	24	,	,	PUNCT
fsr-3479	24	25	&	&	CCONJ
fsr-3479	24	26	tkac	tkac	PROPN
fsr-3479	24	27	,	,	PUNCT
fsr-3479	24	28	2010	2010	NUM
fsr-3479	24	29	;	;	PUNCT
fsr-3479	24	30	desai	desai	PROPN
fsr-3479	24	31	&	&	CCONJ
fsr-3479	24	32	jain	jain	PROPN
fsr-3479	24	33	,	,	PUNCT
fsr-3479	24	34	1995	1995	NUM
fsr-3479	24	35	;	;	PUNCT
fsr-3479	24	36	gil	gil	PROPN
fsr-3479	24	37	-	-	PUNCT
fsr-3479	24	38	bazo	bazo	NOUN
fsr-3479	24	39	&	&	CCONJ
fsr-3479	24	40	ruiz	ruiz	NOUN
fsr-3479	24	41	-	-	PUNCT
fsr-3479	24	42	verdú	verdú	ADJ
fsr-3479	24	43	,	,	PUNCT
fsr-3479	24	44	2009	2009	NUM
fsr-3479	24	45	;	;	PUNCT
fsr-3479	24	46	jensen	jensen	PROPN
fsr-3479	24	47	,	,	PUNCT
fsr-3479	24	48	1968	1968	NUM
fsr-3479	24	49	;	;	PUNCT
fsr-3479	24	50	malkiel	malkiel	PROPN
fsr-3479	24	51	,	,	PUNCT
fsr-3479	24	52	1995	1995	NUM
fsr-3479	24	53	)	)	PUNCT
fsr-3479	24	54	.	.	PUNCT
fsr-3479	25	1	gruber	gruber	NOUN
fsr-3479	25	2	(	(	PUNCT
fsr-3479	25	3	1996	1996	NUM
fsr-3479	25	4	)	)	PUNCT
fsr-3479	25	5	,	,	PUNCT
fsr-3479	25	6	french	french	NOUN
fsr-3479	25	7	(	(	PUNCT
fsr-3479	25	8	2008	2008	NUM
fsr-3479	25	9	)	)	PUNCT
fsr-3479	25	10	,	,	PUNCT
fsr-3479	25	11	and	and	CCONJ
fsr-3479	25	12	reuter	reuter	PROPN
fsr-3479	25	13	(	(	PUNCT
fsr-3479	25	14	2015	2015	NUM
fsr-3479	25	15	)	)	PUNCT
fsr-3479	25	16	estimate	estimate	NOUN
fsr-3479	25	17	that	that	PRON
fsr-3479	25	18	actively	actively	ADV
fsr-3479	25	19	managed	manage	VERB
fsr-3479	25	20	mutual	mutual	ADJ
fsr-3479	25	21	funds	fund	NOUN
fsr-3479	25	22	underperform	underperform	VERB
fsr-3479	25	23	their	their	PRON
fsr-3479	25	24	benchmark	benchmark	NOUN
fsr-3479	25	25	indexes	index	NOUN
fsr-3479	25	26	by	by	ADP
fsr-3479	25	27	an	an	DET
fsr-3479	25	28	average	average	NOUN
fsr-3479	25	29	of	of	ADP
fsr-3479	25	30	64	64	NUM
fsr-3479	25	31	-	-	SYM
fsr-3479	25	32	67	67	NUM
fsr-3479	25	33	basis	basis	NOUN
fsr-3479	25	34	points	point	NOUN
fsr-3479	25	35	(	(	PUNCT
fsr-3479	25	36	bps	bps	NOUN
fsr-3479	25	37	)	)	PUNCT
fsr-3479	25	38	annually	annually	ADV
fsr-3479	25	39	.	.	PUNCT
fsr-3479	26	1	other	other	ADJ
fsr-3479	26	2	studies	study	NOUN
fsr-3479	26	3	that	that	PRON
fsr-3479	26	4	show	show	VERB
fsr-3479	26	5	advisor	advisor	NOUN
fsr-3479	26	6	recommended	recommend	VERB
fsr-3479	26	7	mutual	mutual	ADJ
fsr-3479	26	8	funds	fund	NOUN
fsr-3479	26	9	underperform	underperform	NOUN
fsr-3479	26	10	self	self	NOUN
fsr-3479	26	11	-	-	PUNCT
fsr-3479	26	12	directed	direct	VERB
fsr-3479	26	13	portfolios	portfolio	NOUN
fsr-3479	26	14	.	.	PUNCT
fsr-3479	27	1	karabulut	karabulut	PROPN
fsr-3479	27	2	(	(	PUNCT
fsr-3479	27	3	2013	2013	NUM
fsr-3479	27	4	)	)	PUNCT
fsr-3479	27	5	found	find	VERB
fsr-3479	27	6	that	that	SCONJ
fsr-3479	27	7	advised	advise	VERB
fsr-3479	27	8	investors	investor	NOUN
fsr-3479	27	9	earned	earn	VERB
fsr-3479	27	10	lower	low	ADJ
fsr-3479	27	11	raw	raw	ADJ
fsr-3479	27	12	and	and	CCONJ
fsr-3479	27	13	risk	risk	NOUN
fsr-3479	27	14	-	-	PUNCT
fsr-3479	27	15	adjusted	adjust	VERB
fsr-3479	27	16	returns	return	NOUN
fsr-3479	27	17	compared	compare	VERB
fsr-3479	27	18	with	with	ADP
fsr-3479	27	19	self	self	NOUN
fsr-3479	27	20	-	-	PUNCT
fsr-3479	27	21	directed	direct	VERB
fsr-3479	27	22	investors	investor	NOUN
fsr-3479	27	23	even	even	ADV
fsr-3479	27	24	before	before	ADP
fsr-3479	27	25	deducting	deduct	VERB
fsr-3479	27	26	advisory	advisory	ADJ
fsr-3479	27	27	fees	fee	NOUN
fsr-3479	27	28	and	and	CCONJ
fsr-3479	27	29	transactions	transaction	NOUN
fsr-3479	27	30	costs	cost	NOUN
fsr-3479	27	31	.	.	PUNCT
fsr-3479	28	1	bergstresser	bergstresser	NOUN
fsr-3479	28	2	,	,	PUNCT
fsr-3479	28	3	chalmers	chalmer	NOUN
fsr-3479	28	4	,	,	PUNCT
fsr-3479	28	5	and	and	CCONJ
fsr-3479	28	6	tufano	tufano	ADJ
fsr-3479	28	7	(	(	PUNCT
fsr-3479	28	8	2009	2009	NUM
fsr-3479	28	9	)	)	PUNCT
fsr-3479	28	10	found	find	VERB
fsr-3479	28	11	that	that	SCONJ
fsr-3479	28	12	broker	broker	NOUN
fsr-3479	28	13	-	-	PUNCT
fsr-3479	28	14	sold	sell	VERB
fsr-3479	28	15	funds	fund	NOUN
fsr-3479	28	16	had	have	VERB
fsr-3479	28	17	lower	low	ADJ
fsr-3479	28	18	raw	raw	ADJ
fsr-3479	28	19	and	and	CCONJ
fsr-3479	28	20	risk	risk	NOUN
fsr-3479	28	21	-	-	PUNCT
fsr-3479	28	22	adjusted	adjust	VERB
fsr-3479	28	23	returns	return	NOUN
fsr-3479	28	24	than	than	ADP
fsr-3479	28	25	direct	direct	ADJ
fsr-3479	28	26	-	-	PUNCT
fsr-3479	28	27	channel	channel	NOUN
fsr-3479	28	28	funds	fund	NOUN
fsr-3479	28	29	,	,	PUNCT
fsr-3479	28	30	even	even	ADV
fsr-3479	28	31	before	before	SCONJ
fsr-3479	28	32	distribution	distribution	NOUN
fsr-3479	28	33	expenses	expense	NOUN
fsr-3479	28	34	were	be	AUX
fsr-3479	28	35	deducted	deduct	VERB
fsr-3479	28	36	.	.	PUNCT
fsr-3479	29	1	del	del	PROPN
fsr-3479	29	2	guercio	guercio	PROPN
fsr-3479	29	3	and	and	CCONJ
fsr-3479	29	4	reuter	reuter	PROPN
fsr-3479	29	5	(	(	PUNCT
fsr-3479	29	6	2014	2014	NUM
fsr-3479	29	7	)	)	PUNCT
fsr-3479	29	8	found	find	VERB
fsr-3479	29	9	that	that	SCONJ
fsr-3479	29	10	broker	broker	NOUN
fsr-3479	29	11	-	-	PUNCT
fsr-3479	29	12	sold	sell	VERB
fsr-3479	29	13	actively	actively	ADV
fsr-3479	29	14	managed	manage	VERB
fsr-3479	29	15	mutual	mutual	ADJ
fsr-3479	29	16	funds	fund	NOUN
fsr-3479	29	17	underperformed	underperform	VERB
fsr-3479	29	18	both	both	CCONJ
fsr-3479	29	19	broker	broker	NOUN
fsr-3479	29	20	-	-	PUNCT
fsr-3479	29	21	sold	sell	VERB
fsr-3479	29	22	index	index	NOUN
fsr-3479	29	23	funds	fund	NOUN
fsr-3479	29	24	and	and	CCONJ
fsr-3479	29	25	direct	direct	ADJ
fsr-3479	29	26	channel	channel	NOUN
fsr-3479	29	27	actively	actively	ADV
fsr-3479	29	28	managed	manage	VERB
fsr-3479	29	29	mutual	mutual	ADJ
fsr-3479	29	30	funds	fund	NOUN
fsr-3479	29	31	.	.	PUNCT
fsr-3479	30	1	by	by	ADP
fsr-3479	30	2	studying	study	VERB
fsr-3479	30	3	the	the	DET
fsr-3479	30	4	oregon	oregon	PROPN
fsr-3479	30	5	university	university	PROPN
fsr-3479	30	6	system	system	NOUN
fsr-3479	30	7	retirement	retirement	NOUN
fsr-3479	30	8	plan	plan	NOUN
fsr-3479	30	9	,	,	PUNCT
fsr-3479	30	10	chalmers	chalmer	NOUN
fsr-3479	30	11	and	and	CCONJ
fsr-3479	30	12	reuter	reuter	PROPN
fsr-3479	30	13	(	(	PUNCT
fsr-3479	30	14	2012	2012	NUM
fsr-3479	30	15	)	)	PUNCT
fsr-3479	30	16	found	find	VERB
fsr-3479	30	17	that	that	SCONJ
fsr-3479	30	18	employees	employee	NOUN
fsr-3479	30	19	who	who	PRON
fsr-3479	30	20	retained	retain	VERB
fsr-3479	30	21	the	the	DET
fsr-3479	30	22	services	service	NOUN
fsr-3479	30	23	of	of	ADP
fsr-3479	30	24	brokers	broker	NOUN
fsr-3479	30	25	earned	earn	VERB
fsr-3479	30	26	significantly	significantly	ADV
fsr-3479	30	27	lower	low	ADJ
fsr-3479	30	28	after146	after146	PROPN
fsr-3479	30	29	j.	j.	PROPN
fsr-3479	30	30	e.	e.	PROPN
fsr-3479	30	31	heller	heller	PROPN
fsr-3479	30	32	et	et	PROPN
fsr-3479	30	33	al	al	PROPN
fsr-3479	30	34	.	.	PUNCT
fsr-3479	30	35	/	/	SYM
fsr-3479	30	36	financial	financial	ADJ
fsr-3479	30	37	services	service	NOUN
fsr-3479	30	38	review	review	VERB
fsr-3479	30	39	30	30	NUM
fsr-3479	30	40	(	(	PUNCT
fsr-3479	30	41	2022	2022	NUM
fsr-3479	30	42	)	)	PUNCT
fsr-3479	30	43	145–164	145–164	NUM
fsr-3479	30	44	fee	fee	NOUN
fsr-3479	30	45	returns	return	NOUN
fsr-3479	30	46	and	and	CCONJ
fsr-3479	30	47	lower	low	ADJ
fsr-3479	30	48	risk	risk	NOUN
fsr-3479	30	49	-	-	PUNCT
fsr-3479	30	50	adjusted	adjust	VERB
fsr-3479	30	51	returns	return	NOUN
fsr-3479	30	52	compared	compare	VERB
fsr-3479	30	53	with	with	ADP
fsr-3479	30	54	those	those	DET
fsr-3479	30	55	employees	employee	NOUN
fsr-3479	30	56	who	who	PRON
fsr-3479	30	57	were	be	AUX
fsr-3479	30	58	defaulted	default	VERB
fsr-3479	30	59	into	into	ADP
fsr-3479	30	60	age	age	NOUN
fsr-3479	30	61	-	-	PUNCT
fsr-3479	30	62	based	base	VERB
fsr-3479	30	63	target	target	NOUN
fsr-3479	30	64	date	date	NOUN
fsr-3479	30	65	funds	fund	NOUN
fsr-3479	30	66	.	.	PUNCT
fsr-3479	31	1	the	the	DET
fsr-3479	31	2	average	average	ADJ
fsr-3479	31	3	fee	fee	NOUN
fsr-3479	31	4	of	of	ADP
fsr-3479	31	5	0.9	0.9	NUM
fsr-3479	31	6	%	%	NOUN
fsr-3479	31	7	was	be	AUX
fsr-3479	31	8	the	the	DET
fsr-3479	31	9	largest	large	ADJ
fsr-3479	31	10	reason	reason	NOUN
fsr-3479	31	11	for	for	ADP
fsr-3479	31	12	the	the	DET
fsr-3479	31	13	underperformance	underperformance	NOUN
fsr-3479	31	14	.	.	PUNCT
fsr-3479	32	1	chalmers	chalmer	NOUN
fsr-3479	32	2	and	and	CCONJ
fsr-3479	32	3	reuter	reuter	PROPN
fsr-3479	32	4	(	(	PUNCT
fsr-3479	32	5	2012	2012	NUM
fsr-3479	32	6	)	)	PUNCT
fsr-3479	32	7	did	do	AUX
fsr-3479	32	8	point	point	VERB
fsr-3479	32	9	out	out	ADP
fsr-3479	32	10	that	that	SCONJ
fsr-3479	32	11	employee	employee	NOUN
fsr-3479	32	12	accounts	account	NOUN
fsr-3479	32	13	that	that	PRON
fsr-3479	32	14	were	be	AUX
fsr-3479	32	15	self	self	NOUN
fsr-3479	32	16	-	-	PUNCT
fsr-3479	32	17	directed	direct	VERB
fsr-3479	32	18	also	also	ADV
fsr-3479	32	19	underperformed	underperform	VERB
fsr-3479	32	20	the	the	DET
fsr-3479	32	21	default	default	NOUN
fsr-3479	32	22	target	target	NOUN
fsr-3479	32	23	date	date	NOUN
fsr-3479	32	24	funds	fund	NOUN
fsr-3479	32	25	,	,	PUNCT
fsr-3479	32	26	but	but	CCONJ
fsr-3479	32	27	to	to	ADP
fsr-3479	32	28	a	a	DET
fsr-3479	32	29	lesser	less	ADJ
fsr-3479	32	30	extent	extent	NOUN
fsr-3479	32	31	than	than	SCONJ
fsr-3479	32	32	broker	broker	NOUN
fsr-3479	32	33	advised	advise	VERB
fsr-3479	32	34	accounts	account	NOUN
fsr-3479	32	35	,	,	PUNCT
fsr-3479	32	36	echoing	echo	VERB
fsr-3479	32	37	the	the	DET
fsr-3479	32	38	sentiment	sentiment	NOUN
fsr-3479	32	39	in	in	ADP
fsr-3479	32	40	bergstresser	bergstresser	PROPN
fsr-3479	32	41	et	et	PROPN
fsr-3479	32	42	al	al	PROPN
fsr-3479	32	43	.	.	PROPN
fsr-3479	33	1	(	(	PUNCT
fsr-3479	33	2	2009	2009	NUM
fsr-3479	33	3	)	)	PUNCT
fsr-3479	33	4	.	.	PUNCT
fsr-3479	34	1	internationally	internationally	ADV
fsr-3479	34	2	,	,	PUNCT
fsr-3479	34	3	hackethal	hackethal	NOUN
fsr-3479	34	4	,	,	PUNCT
fsr-3479	34	5	haliassos	haliassos	NOUN
fsr-3479	34	6	,	,	PUNCT
fsr-3479	34	7	and	and	CCONJ
fsr-3479	34	8	jappelli	jappelli	PROPN
fsr-3479	34	9	(	(	PUNCT
fsr-3479	34	10	2012	2012	NUM
fsr-3479	34	11	)	)	PUNCT
fsr-3479	34	12	and	and	CCONJ
fsr-3479	34	13	foerster	foerster	PROPN
fsr-3479	34	14	,	,	PUNCT
fsr-3479	34	15	linnainmaa	linnainmaa	NOUN
fsr-3479	34	16	,	,	PUNCT
fsr-3479	34	17	melzer	melzer	NOUN
fsr-3479	34	18	,	,	PUNCT
fsr-3479	34	19	and	and	CCONJ
fsr-3479	34	20	previtero	previtero	NOUN
fsr-3479	34	21	(	(	PUNCT
fsr-3479	34	22	2017	2017	NUM
fsr-3479	34	23	)	)	PUNCT
fsr-3479	34	24	found	find	VERB
fsr-3479	34	25	similar	similar	ADJ
fsr-3479	34	26	results	result	NOUN
fsr-3479	34	27	when	when	SCONJ
fsr-3479	34	28	studying	study	VERB
fsr-3479	34	29	german	german	ADJ
fsr-3479	34	30	and	and	CCONJ
fsr-3479	34	31	canadian	canadian	ADJ
fsr-3479	34	32	investors	investor	NOUN
fsr-3479	34	33	and	and	CCONJ
fsr-3479	34	34	advisors	advisor	NOUN
fsr-3479	34	35	’	'	PUNCT
fsr-3479	34	36	recommendations	recommendation	NOUN
fsr-3479	34	37	.	.	PUNCT
fsr-3479	35	1	on	on	ADP
fsr-3479	35	2	the	the	DET
fsr-3479	35	3	other	other	ADJ
fsr-3479	35	4	hand	hand	NOUN
fsr-3479	35	5	,	,	PUNCT
fsr-3479	35	6	kinniry	kinniry	NOUN
fsr-3479	35	7	,	,	PUNCT
fsr-3479	35	8	jaconetti	jaconetti	NOUN
fsr-3479	35	9	,	,	PUNCT
fsr-3479	35	10	dijoseph	dijoseph	NOUN
fsr-3479	35	11	,	,	PUNCT
fsr-3479	35	12	zilbering	zilbering	NOUN
fsr-3479	35	13	,	,	PUNCT
fsr-3479	35	14	and	and	CCONJ
fsr-3479	35	15	bennyhoff	bennyhoff	ADJ
fsr-3479	35	16	(	(	PUNCT
fsr-3479	35	17	2016	2016	NUM
fsr-3479	35	18	)	)	PUNCT
fsr-3479	35	19	suggested	suggest	VERB
fsr-3479	35	20	that	that	SCONJ
fsr-3479	35	21	advisor	advisor	NOUN
fsr-3479	35	22	-	-	PUNCT
fsr-3479	35	23	driven	drive	VERB
fsr-3479	35	24	portfolios	portfolio	NOUN
fsr-3479	35	25	could	could	AUX
fsr-3479	35	26	outperform	outperform	VERB
fsr-3479	35	27	self	self	NOUN
fsr-3479	35	28	-	-	PUNCT
fsr-3479	35	29	directed	direct	VERB
fsr-3479	35	30	portfolios	portfolio	NOUN
fsr-3479	35	31	of	of	ADP
fsr-3479	35	32	clients	client	NOUN
fsr-3479	35	33	,	,	PUNCT
fsr-3479	35	34	assuming	assume	VERB
fsr-3479	35	35	the	the	DET
fsr-3479	35	36	advisor	advisor	NOUN
fsr-3479	35	37	did	do	VERB
fsr-3479	35	38	several	several	ADJ
fsr-3479	35	39	tasks	task	NOUN
fsr-3479	35	40	deemed	deem	VERB
fsr-3479	35	41	to	to	PART
fsr-3479	35	42	be	be	AUX
fsr-3479	35	43	too	too	ADV
fsr-3479	35	44	difficult	difficult	ADJ
fsr-3479	35	45	,	,	PUNCT
fsr-3479	35	46	advanced	advanced	ADJ
fsr-3479	35	47	,	,	PUNCT
fsr-3479	35	48	or	or	CCONJ
fsr-3479	35	49	time	time	NOUN
fsr-3479	35	50	consuming	consume	VERB
fsr-3479	35	51	for	for	ADP
fsr-3479	35	52	the	the	DET
fsr-3479	35	53	novice	novice	NOUN
fsr-3479	35	54	investor	investor	NOUN
fsr-3479	35	55	.	.	PUNCT
fsr-3479	36	1	the	the	DET
fsr-3479	36	2	study	study	NOUN
fsr-3479	36	3	suggests	suggest	VERB
fsr-3479	36	4	that	that	SCONJ
fsr-3479	36	5	the	the	DET
fsr-3479	36	6	so	so	ADV
fsr-3479	36	7	-	-	PUNCT
fsr-3479	36	8	called	call	VERB
fsr-3479	36	9	advisor	advisor	NOUN
fsr-3479	36	10	alpha	alpha	NOUN
fsr-3479	36	11	could	could	AUX
fsr-3479	36	12	be	be	AUX
fsr-3479	36	13	as	as	ADV
fsr-3479	36	14	high	high	ADJ
fsr-3479	36	15	as	as	ADP
fsr-3479	36	16	3.0	3.0	NUM
fsr-3479	36	17	%	%	NOUN
fsr-3479	36	18	annually	annually	ADV
fsr-3479	36	19	,	,	PUNCT
fsr-3479	36	20	the	the	DET
fsr-3479	36	21	most	most	ADV
fsr-3479	36	22	valuable	valuable	ADJ
fsr-3479	36	23	activity	activity	NOUN
fsr-3479	36	24	being	be	AUX
fsr-3479	36	25	behavioral	behavioral	ADJ
fsr-3479	36	26	financial	financial	ADJ
fsr-3479	36	27	coaching	coaching	NOUN
fsr-3479	36	28	,	,	PUNCT
fsr-3479	36	29	which	which	PRON
fsr-3479	36	30	could	could	AUX
fsr-3479	36	31	contribute	contribute	VERB
fsr-3479	36	32	as	as	ADV
fsr-3479	36	33	much	much	ADJ
fsr-3479	36	34	as	as	ADP
fsr-3479	36	35	1.50	1.50	NUM
fsr-3479	36	36	%	%	NOUN
fsr-3479	36	37	annually	annually	ADV
fsr-3479	36	38	to	to	ADP
fsr-3479	36	39	a	a	DET
fsr-3479	36	40	client	client	NOUN
fsr-3479	36	41	’s	’s	PART
fsr-3479	36	42	portfolio	portfolio	NOUN
fsr-3479	36	43	return	return	NOUN
fsr-3479	36	44	.	.	PUNCT
fsr-3479	37	1	although	although	SCONJ
fsr-3479	37	2	hackethal	hackethal	VERB
fsr-3479	37	3	et	et	PROPN
fsr-3479	37	4	al	al	PROPN
fsr-3479	37	5	.	.	PROPN
fsr-3479	38	1	(	(	PUNCT
fsr-3479	38	2	2012	2012	NUM
fsr-3479	38	3	)	)	PUNCT
fsr-3479	38	4	found	find	VERB
fsr-3479	38	5	that	that	SCONJ
fsr-3479	38	6	the	the	DET
fsr-3479	38	7	self	self	NOUN
fsr-3479	38	8	-	-	PUNCT
fsr-3479	38	9	directed	direct	VERB
fsr-3479	38	10	portfolios	portfolio	NOUN
fsr-3479	38	11	outperformed	outperform	VERB
fsr-3479	38	12	advised	advise	VERB
fsr-3479	38	13	portfolios	portfolio	NOUN
fsr-3479	38	14	on	on	ADP
fsr-3479	38	15	average	average	ADJ
fsr-3479	38	16	,	,	PUNCT
fsr-3479	38	17	advised	advise	VERB
fsr-3479	38	18	accounts	account	NOUN
fsr-3479	38	19	exhibited	exhibit	VERB
fsr-3479	38	20	far	far	ADV
fsr-3479	38	21	greater	great	ADJ
fsr-3479	38	22	diversification	diversification	NOUN
fsr-3479	38	23	.	.	PUNCT
fsr-3479	39	1	hackethal	hackethal	PROPN
fsr-3479	39	2	et	et	PROPN
fsr-3479	39	3	al	al	PROPN
fsr-3479	39	4	.	.	PROPN
fsr-3479	40	1	(	(	PUNCT
fsr-3479	40	2	2012	2012	NUM
fsr-3479	40	3	)	)	PUNCT
fsr-3479	40	4	suggests	suggest	VERB
fsr-3479	40	5	that	that	SCONJ
fsr-3479	40	6	a	a	DET
fsr-3479	40	7	potential	potential	ADJ
fsr-3479	40	8	reason	reason	NOUN
fsr-3479	40	9	clients	client	NOUN
fsr-3479	40	10	pay	pay	VERB
fsr-3479	40	11	for	for	ADP
fsr-3479	40	12	advice	advice	NOUN
fsr-3479	40	13	lies	lie	NOUN
fsr-3479	40	14	in	in	ADP
fsr-3479	40	15	the	the	DET
fsr-3479	40	16	convenience	convenience	NOUN
fsr-3479	40	17	of	of	ADP
fsr-3479	40	18	outsourcing	outsource	VERB
fsr-3479	40	19	the	the	DET
fsr-3479	40	20	task	task	NOUN
fsr-3479	40	21	rather	rather	ADV
fsr-3479	40	22	than	than	ADP
fsr-3479	40	23	to	to	PART
fsr-3479	40	24	outperform	outperform	VERB
fsr-3479	40	25	other	other	ADJ
fsr-3479	40	26	alternatives	alternative	NOUN
fsr-3479	40	27	.	.	PUNCT
fsr-3479	41	1	gennaioli	gennaioli	ADV
fsr-3479	41	2	,	,	PUNCT
fsr-3479	41	3	shleifer	shleifer	VERB
fsr-3479	41	4	,	,	PUNCT
fsr-3479	41	5	and	and	CCONJ
fsr-3479	41	6	vishny	vishny	PROPN
fsr-3479	41	7	(	(	PUNCT
fsr-3479	41	8	2015	2015	NUM
fsr-3479	41	9	)	)	PUNCT
fsr-3479	41	10	put	put	VERB
fsr-3479	41	11	forth	forth	ADP
fsr-3479	41	12	the	the	DET
fsr-3479	41	13	concept	concept	NOUN
fsr-3479	41	14	of	of	ADP
fsr-3479	41	15	“	"	PUNCT
fsr-3479	41	16	money	money	NOUN
fsr-3479	41	17	doctors	doctor	NOUN
fsr-3479	41	18	”	"	PUNCT
fsr-3479	41	19	and	and	CCONJ
fsr-3479	41	20	posit	posit	VERB
fsr-3479	41	21	that	that	SCONJ
fsr-3479	41	22	professional	professional	ADJ
fsr-3479	41	23	money	money	NOUN
fsr-3479	41	24	managers	manager	NOUN
fsr-3479	41	25	instill	instill	VERB
fsr-3479	41	26	confidence	confidence	NOUN
fsr-3479	41	27	in	in	ADP
fsr-3479	41	28	the	the	DET
fsr-3479	41	29	client	client	NOUN
fsr-3479	41	30	by	by	ADP
fsr-3479	41	31	having	have	VERB
fsr-3479	41	32	a	a	DET
fsr-3479	41	33	professional	professional	NOUN
fsr-3479	41	34	at	at	ADP
fsr-3479	41	35	the	the	DET
fsr-3479	41	36	helm	helm	NOUN
fsr-3479	41	37	.	.	PUNCT
fsr-3479	42	1	this	this	DET
fsr-3479	42	2	confidence	confidence	NOUN
fsr-3479	42	3	reduces	reduce	VERB
fsr-3479	42	4	anxiety	anxiety	NOUN
fsr-3479	42	5	created	create	VERB
fsr-3479	42	6	by	by	ADP
fsr-3479	42	7	investing	invest	VERB
fsr-3479	42	8	in	in	ADP
fsr-3479	42	9	risk	risk	NOUN
fsr-3479	42	10	-	-	PUNCT
fsr-3479	42	11	based	base	VERB
fsr-3479	42	12	assets	asset	NOUN
fsr-3479	42	13	and	and	CCONJ
fsr-3479	42	14	allows	allow	VERB
fsr-3479	42	15	the	the	DET
fsr-3479	42	16	client	client	NOUN
fsr-3479	42	17	to	to	PART
fsr-3479	42	18	invest	invest	VERB
fsr-3479	42	19	more	more	ADV
fsr-3479	42	20	aggressively	aggressively	ADV
fsr-3479	42	21	than	than	SCONJ
fsr-3479	42	22	they	they	PRON
fsr-3479	42	23	would	would	AUX
fsr-3479	42	24	on	on	ADP
fsr-3479	42	25	their	their	PRON
fsr-3479	42	26	own	own	ADJ
fsr-3479	42	27	.	.	PUNCT
fsr-3479	43	1	gennaioli	gennaioli	PROPN
fsr-3479	43	2	et	et	PROPN
fsr-3479	43	3	al	al	PROPN
fsr-3479	43	4	.	.	PROPN
fsr-3479	44	1	(	(	PUNCT
fsr-3479	44	2	2015	2015	NUM
fsr-3479	44	3	)	)	PUNCT
fsr-3479	44	4	recognize	recognize	VERB
fsr-3479	44	5	that	that	SCONJ
fsr-3479	44	6	advisors	advisor	NOUN
fsr-3479	44	7	’	'	PUNCT
fsr-3479	44	8	recommendations	recommendation	NOUN
fsr-3479	44	9	are	be	AUX
fsr-3479	44	10	costly	costly	ADJ
fsr-3479	44	11	,	,	PUNCT
fsr-3479	44	12	at	at	ADP
fsr-3479	44	13	times	time	NOUN
fsr-3479	44	14	generic	generic	ADJ
fsr-3479	44	15	,	,	PUNCT
fsr-3479	44	16	and	and	CCONJ
fsr-3479	44	17	occasionally	occasionally	ADV
fsr-3479	44	18	selfserving	selfserving	ADJ
fsr-3479	44	19	,	,	PUNCT
fsr-3479	44	20	which	which	PRON
fsr-3479	44	21	lead	lead	VERB
fsr-3479	44	22	to	to	ADP
fsr-3479	44	23	consistent	consistent	ADJ
fsr-3479	44	24	underperformance	underperformance	NOUN
fsr-3479	44	25	compared	compare	VERB
fsr-3479	44	26	with	with	ADP
fsr-3479	44	27	passive	passive	ADJ
fsr-3479	44	28	benchmarks	benchmark	NOUN
fsr-3479	44	29	.	.	PUNCT
fsr-3479	45	1	while	while	SCONJ
fsr-3479	45	2	a	a	DET
fsr-3479	45	3	client	client	NOUN
fsr-3479	45	4	might	might	AUX
fsr-3479	45	5	earn	earn	VERB
fsr-3479	45	6	negative	negative	ADJ
fsr-3479	45	7	market	market	NOUN
fsr-3479	45	8	-	-	PUNCT
fsr-3479	45	9	adjusted	adjust	VERB
fsr-3479	45	10	returns	return	NOUN
fsr-3479	45	11	after	after	ADP
fsr-3479	45	12	an	an	DET
fsr-3479	45	13	advisor	advisor	NOUN
fsr-3479	45	14	’s	’s	PART
fsr-3479	45	15	fees	fee	NOUN
fsr-3479	45	16	,	,	PUNCT
fsr-3479	45	17	the	the	DET
fsr-3479	45	18	excess	excess	ADJ
fsr-3479	45	19	return	return	NOUN
fsr-3479	45	20	generated	generate	VERB
fsr-3479	45	21	compared	compare	VERB
fsr-3479	45	22	with	with	ADP
fsr-3479	45	23	a	a	DET
fsr-3479	45	24	counterfactual	counterfactual	ADJ
fsr-3479	45	25	portfolio	portfolio	NOUN
fsr-3479	45	26	with	with	ADP
fsr-3479	45	27	limited	limited	ADJ
fsr-3479	45	28	risk	risk	NOUN
fsr-3479	45	29	-	-	PUNCT
fsr-3479	45	30	based	base	VERB
fsr-3479	45	31	assets	asset	NOUN
fsr-3479	45	32	is	be	AUX
fsr-3479	45	33	another	another	DET
fsr-3479	45	34	measure	measure	NOUN
fsr-3479	45	35	of	of	ADP
fsr-3479	45	36	the	the	DET
fsr-3479	45	37	value	value	NOUN
fsr-3479	45	38	of	of	ADP
fsr-3479	45	39	an	an	DET
fsr-3479	45	40	advisor	advisor	NOUN
fsr-3479	45	41	(	(	PUNCT
fsr-3479	45	42	gennaioli	gennaioli	PROPN
fsr-3479	45	43	et	et	PROPN
fsr-3479	45	44	al	al	PROPN
fsr-3479	45	45	.	.	PROPN
fsr-3479	45	46	,	,	PUNCT
fsr-3479	45	47	2015	2015	NUM
fsr-3479	45	48	)	)	PUNCT
fsr-3479	45	49	.	.	PUNCT
fsr-3479	46	1	warshcuer	warshcuer	NOUN
fsr-3479	46	2	and	and	CCONJ
fsr-3479	46	3	sciglimpaglia	sciglimpaglia	NOUN
fsr-3479	46	4	(	(	PUNCT
fsr-3479	46	5	2012	2012	NUM
fsr-3479	46	6	)	)	PUNCT
fsr-3479	46	7	asked	ask	VERB
fsr-3479	46	8	clients	client	NOUN
fsr-3479	46	9	to	to	PART
fsr-3479	46	10	rate	rate	VERB
fsr-3479	46	11	the	the	DET
fsr-3479	46	12	perceived	perceive	VERB
fsr-3479	46	13	value	value	NOUN
fsr-3479	46	14	of	of	ADP
fsr-3479	46	15	financial	financial	ADJ
fsr-3479	46	16	planning	planning	NOUN
fsr-3479	46	17	services	service	NOUN
fsr-3479	46	18	.	.	PUNCT
fsr-3479	47	1	making	make	VERB
fsr-3479	47	2	sure	sure	ADJ
fsr-3479	47	3	the	the	DET
fsr-3479	47	4	client	client	NOUN
fsr-3479	47	5	is	be	AUX
fsr-3479	47	6	holding	hold	VERB
fsr-3479	47	7	a	a	DET
fsr-3479	47	8	sufficiently	sufficiently	ADV
fsr-3479	47	9	diversified	diversify	VERB
fsr-3479	47	10	portfolio	portfolio	NOUN
fsr-3479	47	11	and	and	CCONJ
fsr-3479	47	12	holding	hold	VERB
fsr-3479	47	13	investments	investment	NOUN
fsr-3479	47	14	that	that	PRON
fsr-3479	47	15	meet	meet	VERB
fsr-3479	47	16	each	each	PRON
fsr-3479	47	17	of	of	ADP
fsr-3479	47	18	the	the	DET
fsr-3479	47	19	client	client	NOUN
fsr-3479	47	20	’s	’s	PART
fsr-3479	47	21	goals	goal	NOUN
fsr-3479	47	22	’	'	PUNCT
fsr-3479	47	23	time	time	NOUN
fsr-3479	47	24	horizons	horizon	NOUN
fsr-3479	47	25	and	and	CCONJ
fsr-3479	47	26	cash	cash	NOUN
fsr-3479	47	27	flow	flow	NOUN
fsr-3479	47	28	needs	need	NOUN
fsr-3479	47	29	were	be	AUX
fsr-3479	47	30	viewed	view	VERB
fsr-3479	47	31	as	as	ADP
fsr-3479	47	32	more	more	ADV
fsr-3479	47	33	important	important	ADJ
fsr-3479	47	34	than	than	ADP
fsr-3479	47	35	recommending	recommend	VERB
fsr-3479	47	36	investments	investment	NOUN
fsr-3479	47	37	that	that	PRON
fsr-3479	47	38	beat	beat	VERB
fsr-3479	47	39	the	the	DET
fsr-3479	47	40	market	market	NOUN
fsr-3479	47	41	averages	average	NOUN
fsr-3479	47	42	.	.	PUNCT
fsr-3479	48	1	although	although	SCONJ
fsr-3479	48	2	advisors	advisor	NOUN
fsr-3479	48	3	in	in	ADP
fsr-3479	48	4	general	general	ADJ
fsr-3479	48	5	are	be	AUX
fsr-3479	48	6	unable	unable	ADJ
fsr-3479	48	7	to	to	PART
fsr-3479	48	8	consistently	consistently	ADV
fsr-3479	48	9	outperform	outperform	VERB
fsr-3479	48	10	passive	passive	ADJ
fsr-3479	48	11	benchmarks	benchmark	NOUN
fsr-3479	48	12	(	(	PUNCT
fsr-3479	48	13	and	and	CCONJ
fsr-3479	48	14	in	in	ADP
fsr-3479	48	15	some	some	DET
fsr-3479	48	16	cases	case	NOUN
fsr-3479	48	17	self	self	NOUN
fsr-3479	48	18	-	-	PUNCT
fsr-3479	48	19	directed	direct	VERB
fsr-3479	48	20	portfolios	portfolio	NOUN
fsr-3479	48	21	)	)	PUNCT
fsr-3479	48	22	,	,	PUNCT
fsr-3479	48	23	little	little	ADJ
fsr-3479	48	24	attention	attention	NOUN
fsr-3479	48	25	has	have	AUX
fsr-3479	48	26	been	be	AUX
fsr-3479	48	27	given	give	VERB
fsr-3479	48	28	to	to	PART
fsr-3479	48	29	determine	determine	VERB
fsr-3479	48	30	if	if	SCONJ
fsr-3479	48	31	the	the	DET
fsr-3479	48	32	efficacy	efficacy	NOUN
fsr-3479	48	33	of	of	ADP
fsr-3479	48	34	financial	financial	ADJ
fsr-3479	48	35	advice	advice	NOUN
fsr-3479	48	36	improves	improve	VERB
fsr-3479	48	37	across	across	ADP
fsr-3479	48	38	different	different	ADJ
fsr-3479	48	39	advisor	advisor	NOUN
fsr-3479	48	40	business	business	NOUN
fsr-3479	48	41	models	model	NOUN
fsr-3479	48	42	.	.	PUNCT
fsr-3479	49	1	we	we	PRON
fsr-3479	49	2	seek	seek	VERB
fsr-3479	49	3	provide	provide	VERB
fsr-3479	49	4	insight	insight	NOUN
fsr-3479	49	5	about	about	ADP
fsr-3479	49	6	the	the	DET
fsr-3479	49	7	differences	difference	NOUN
fsr-3479	49	8	in	in	ADP
fsr-3479	49	9	advisor	advisor	NOUN
fsr-3479	49	10	performance	performance	NOUN
fsr-3479	49	11	based	base	VERB
fsr-3479	49	12	on	on	ADP
fsr-3479	49	13	their	their	PRON
fsr-3479	49	14	distribution	distribution	NOUN
fsr-3479	49	15	channel	channel	NOUN
fsr-3479	49	16	.	.	PUNCT
fsr-3479	50	1	1.2	1.2	NUM
fsr-3479	50	2	.	.	PUNCT
fsr-3479	50	3	theoretical	theoretical	ADJ
fsr-3479	50	4	framework	framework	NOUN
fsr-3479	50	5	cognitive	cognitive	ADJ
fsr-3479	50	6	load	load	NOUN
fsr-3479	50	7	theory	theory	NOUN
fsr-3479	50	8	(	(	PUNCT
fsr-3479	50	9	clt	clt	PROPN
fsr-3479	50	10	)	)	PUNCT
fsr-3479	50	11	describes	describe	VERB
fsr-3479	50	12	the	the	DET
fsr-3479	50	13	limits	limit	NOUN
fsr-3479	50	14	of	of	ADP
fsr-3479	50	15	mental	mental	ADJ
fsr-3479	50	16	effort	effort	NOUN
fsr-3479	50	17	used	use	VERB
fsr-3479	50	18	in	in	ADP
fsr-3479	50	19	working	working	NOUN
fsr-3479	50	20	memory	memory	NOUN
fsr-3479	50	21	during	during	ADP
fsr-3479	50	22	problem	problem	NOUN
fsr-3479	50	23	-	-	PUNCT
fsr-3479	50	24	solving	solve	VERB
fsr-3479	50	25	(	(	PUNCT
fsr-3479	50	26	sweller	sweller	NOUN
fsr-3479	50	27	,	,	PUNCT
fsr-3479	50	28	1988	1988	NUM
fsr-3479	50	29	)	)	PUNCT
fsr-3479	50	30	.	.	PUNCT
fsr-3479	51	1	the	the	DET
fsr-3479	51	2	amount	amount	NOUN
fsr-3479	51	3	of	of	ADP
fsr-3479	51	4	cognitive	cognitive	ADJ
fsr-3479	51	5	load	load	NOUN
fsr-3479	51	6	levied	levy	VERB
fsr-3479	51	7	on	on	ADP
fsr-3479	51	8	an	an	DET
fsr-3479	51	9	individual	individual	NOUN
fsr-3479	51	10	engaged	engage	VERB
fsr-3479	51	11	in	in	ADP
fsr-3479	51	12	a	a	DET
fsr-3479	51	13	complex	complex	ADJ
fsr-3479	51	14	problem	problem	NOUN
fsr-3479	51	15	-	-	PUNCT
fsr-3479	51	16	solving	solve	VERB
fsr-3479	51	17	exercise	exercise	NOUN
fsr-3479	51	18	can	can	AUX
fsr-3479	51	19	be	be	AUX
fsr-3479	51	20	an	an	DET
fsr-3479	51	21	explanatory	explanatory	ADJ
fsr-3479	51	22	factor	factor	NOUN
fsr-3479	51	23	in	in	ADP
fsr-3479	51	24	the	the	DET
fsr-3479	51	25	individual	individual	NOUN
fsr-3479	51	26	’s	’s	PART
fsr-3479	51	27	performance	performance	NOUN
fsr-3479	51	28	(	(	PUNCT
fsr-3479	51	29	sweller	sweller	NOUN
fsr-3479	51	30	,	,	PUNCT
fsr-3479	51	31	1988	1988	NUM
fsr-3479	51	32	)	)	PUNCT
fsr-3479	51	33	.	.	PUNCT
fsr-3479	52	1	the	the	PRON
fsr-3479	52	2	heavier	heavy	ADJ
fsr-3479	52	3	the	the	DET
fsr-3479	52	4	cognitive	cognitive	ADJ
fsr-3479	52	5	load	load	NOUN
fsr-3479	52	6	,	,	PUNCT
fsr-3479	52	7	the	the	PRON
fsr-3479	52	8	lower	low	ADJ
fsr-3479	52	9	the	the	DET
fsr-3479	52	10	expected	expect	VERB
fsr-3479	52	11	level	level	NOUN
fsr-3479	52	12	of	of	ADP
fsr-3479	52	13	performance	performance	NOUN
fsr-3479	52	14	.	.	PUNCT
fsr-3479	53	1	j.	j.	PROPN
fsr-3479	53	2	e.	e.	PROPN
fsr-3479	53	3	heller	heller	PROPN
fsr-3479	53	4	et	et	PROPN
fsr-3479	53	5	al	al	PROPN
fsr-3479	53	6	.	.	PUNCT
fsr-3479	53	7	/	/	SYM
fsr-3479	53	8	financial	financial	ADJ
fsr-3479	53	9	services	service	NOUN
fsr-3479	53	10	review	review	VERB
fsr-3479	53	11	30	30	NUM
fsr-3479	53	12	(	(	PUNCT
fsr-3479	53	13	2022	2022	NUM
fsr-3479	53	14	)	)	PUNCT
fsr-3479	53	15	145–164	145–164	NUM
fsr-3479	53	16	147	147	NUM
fsr-3479	53	17	cognitive	cognitive	ADJ
fsr-3479	53	18	load	load	NOUN
fsr-3479	53	19	is	be	AUX
fsr-3479	53	20	separated	separate	VERB
fsr-3479	53	21	into	into	ADP
fsr-3479	53	22	three	three	NUM
fsr-3479	53	23	different	different	ADJ
fsr-3479	53	24	types	type	NOUN
fsr-3479	53	25	:	:	PUNCT
fsr-3479	53	26	intrinsic	intrinsic	ADJ
fsr-3479	53	27	,	,	PUNCT
fsr-3479	53	28	extraneous	extraneous	ADJ
fsr-3479	53	29	,	,	PUNCT
fsr-3479	53	30	and	and	CCONJ
fsr-3479	53	31	germane	germane	NOUN
fsr-3479	53	32	.	.	PUNCT
fsr-3479	54	1	the	the	DET
fsr-3479	54	2	first	first	ADJ
fsr-3479	54	3	two	two	NUM
fsr-3479	54	4	forms	form	NOUN
fsr-3479	54	5	of	of	ADP
fsr-3479	54	6	cognitive	cognitive	ADJ
fsr-3479	54	7	load	load	NOUN
fsr-3479	54	8	are	be	AUX
fsr-3479	54	9	additive	additive	ADJ
fsr-3479	54	10	and	and	CCONJ
fsr-3479	54	11	together	together	ADV
fsr-3479	54	12	can	can	AUX
fsr-3479	54	13	not	not	PART
fsr-3479	54	14	exceed	exceed	VERB
fsr-3479	54	15	the	the	DET
fsr-3479	54	16	capacity	capacity	NOUN
fsr-3479	54	17	of	of	ADP
fsr-3479	54	18	working	working	NOUN
fsr-3479	54	19	memory	memory	NOUN
fsr-3479	54	20	if	if	SCONJ
fsr-3479	54	21	the	the	DET
fsr-3479	54	22	task	task	NOUN
fsr-3479	54	23	is	be	AUX
fsr-3479	54	24	to	to	PART
fsr-3479	54	25	be	be	AUX
fsr-3479	54	26	completed	complete	VERB
fsr-3479	54	27	effectively	effectively	ADV
fsr-3479	54	28	(	(	PUNCT
fsr-3479	54	29	paas	paas	NOUN
fsr-3479	54	30	,	,	PUNCT
fsr-3479	54	31	renkl	renkl	ADJ
fsr-3479	54	32	,	,	PUNCT
fsr-3479	54	33	&	&	CCONJ
fsr-3479	54	34	sweller	sweller	PROPN
fsr-3479	54	35	,	,	PUNCT
fsr-3479	54	36	2003	2003	NUM
fsr-3479	54	37	)	)	PUNCT
fsr-3479	54	38	.	.	PUNCT
fsr-3479	55	1	intrinsic	intrinsic	ADJ
fsr-3479	55	2	cognitive	cognitive	ADJ
fsr-3479	55	3	load	load	NOUN
fsr-3479	55	4	is	be	AUX
fsr-3479	55	5	the	the	DET
fsr-3479	55	6	inherent	inherent	ADJ
fsr-3479	55	7	level	level	NOUN
fsr-3479	55	8	of	of	ADP
fsr-3479	55	9	difficulty	difficulty	NOUN
fsr-3479	55	10	associated	associate	VERB
fsr-3479	55	11	with	with	ADP
fsr-3479	55	12	a	a	DET
fsr-3479	55	13	particular	particular	ADJ
fsr-3479	55	14	task	task	NOUN
fsr-3479	55	15	(	(	PUNCT
fsr-3479	55	16	chandler	chandler	PROPN
fsr-3479	55	17	&	&	CCONJ
fsr-3479	55	18	sweller	sweller	PROPN
fsr-3479	55	19	,	,	PUNCT
fsr-3479	55	20	1991	1991	NUM
fsr-3479	55	21	)	)	PUNCT
fsr-3479	55	22	.	.	PUNCT
fsr-3479	56	1	it	it	PRON
fsr-3479	56	2	depends	depend	VERB
fsr-3479	56	3	on	on	ADP
fsr-3479	56	4	the	the	DET
fsr-3479	56	5	level	level	NOUN
fsr-3479	56	6	of	of	ADP
fsr-3479	56	7	elemental	elemental	ADJ
fsr-3479	56	8	interactivity	interactivity	NOUN
fsr-3479	56	9	in	in	ADP
fsr-3479	56	10	the	the	DET
fsr-3479	56	11	problem	problem	NOUN
fsr-3479	56	12	-	-	PUNCT
fsr-3479	56	13	solving	solve	VERB
fsr-3479	56	14	action	action	NOUN
fsr-3479	56	15	(	(	PUNCT
fsr-3479	56	16	paas	paas	NOUN
fsr-3479	56	17	et	et	PROPN
fsr-3479	56	18	al	al	PROPN
fsr-3479	56	19	.	.	PROPN
fsr-3479	56	20	,	,	PUNCT
fsr-3479	56	21	2003	2003	NUM
fsr-3479	56	22	)	)	PUNCT
fsr-3479	56	23	.	.	PUNCT
fsr-3479	57	1	the	the	DET
fsr-3479	57	2	more	more	ADV
fsr-3479	57	3	interrelated	interrelated	ADJ
fsr-3479	57	4	the	the	DET
fsr-3479	57	5	elements	element	NOUN
fsr-3479	57	6	of	of	ADP
fsr-3479	57	7	the	the	DET
fsr-3479	57	8	task	task	NOUN
fsr-3479	57	9	are	be	AUX
fsr-3479	57	10	,	,	PUNCT
fsr-3479	57	11	the	the	PRON
fsr-3479	57	12	higher	high	ADJ
fsr-3479	57	13	the	the	DET
fsr-3479	57	14	intrinsic	intrinsic	ADJ
fsr-3479	57	15	cognitive	cognitive	ADJ
fsr-3479	57	16	load	load	NOUN
fsr-3479	57	17	.	.	PUNCT
fsr-3479	58	1	high	high	ADJ
fsr-3479	58	2	elemental	elemental	ADJ
fsr-3479	58	3	interactivity	interactivity	NOUN
fsr-3479	58	4	imposes	impose	VERB
fsr-3479	58	5	a	a	DET
fsr-3479	58	6	heavy	heavy	ADJ
fsr-3479	58	7	cognitive	cognitive	ADJ
fsr-3479	58	8	load	load	NOUN
fsr-3479	58	9	because	because	SCONJ
fsr-3479	58	10	each	each	DET
fsr-3479	58	11	element	element	NOUN
fsr-3479	58	12	must	must	AUX
fsr-3479	58	13	be	be	AUX
fsr-3479	58	14	processed	process	VERB
fsr-3479	58	15	simultaneously	simultaneously	ADV
fsr-3479	58	16	.	.	PUNCT
fsr-3479	59	1	in	in	ADP
fsr-3479	59	2	contrast	contrast	NOUN
fsr-3479	59	3	,	,	PUNCT
fsr-3479	59	4	problem	problem	NOUN
fsr-3479	59	5	-	-	PUNCT
fsr-3479	59	6	solving	solving	NOUN
fsr-3479	59	7	involving	involve	VERB
fsr-3479	59	8	large	large	ADJ
fsr-3479	59	9	numbers	number	NOUN
fsr-3479	59	10	of	of	ADP
fsr-3479	59	11	unrelated	unrelated	ADJ
fsr-3479	59	12	elements	element	NOUN
fsr-3479	59	13	would	would	AUX
fsr-3479	59	14	not	not	PART
fsr-3479	59	15	impose	impose	VERB
fsr-3479	59	16	as	as	ADP
fsr-3479	59	17	heavy	heavy	ADJ
fsr-3479	59	18	a	a	DET
fsr-3479	59	19	cognitive	cognitive	ADJ
fsr-3479	59	20	load	load	NOUN
fsr-3479	59	21	because	because	SCONJ
fsr-3479	59	22	each	each	DET
fsr-3479	59	23	element	element	NOUN
fsr-3479	59	24	could	could	AUX
fsr-3479	59	25	be	be	AUX
fsr-3479	59	26	processed	process	VERB
fsr-3479	59	27	individually	individually	ADV
fsr-3479	59	28	without	without	ADP
fsr-3479	59	29	reference	reference	NOUN
fsr-3479	59	30	to	to	ADP
fsr-3479	59	31	the	the	DET
fsr-3479	59	32	other	other	ADJ
fsr-3479	59	33	elements	element	NOUN
fsr-3479	59	34	(	(	PUNCT
fsr-3479	59	35	leppink	leppink	VERB
fsr-3479	59	36	,	,	PUNCT
fsr-3479	59	37	van	van	PROPN
fsr-3479	59	38	gog	gog	PROPN
fsr-3479	59	39	,	,	PUNCT
fsr-3479	59	40	paas	paas	NOUN
fsr-3479	59	41	,	,	PUNCT
fsr-3479	59	42	&	&	CCONJ
fsr-3479	59	43	sweller	sweller	NOUN
fsr-3479	59	44	,	,	PUNCT
fsr-3479	59	45	2015	2015	NUM
fsr-3479	59	46	)	)	PUNCT
fsr-3479	59	47	.	.	PUNCT
fsr-3479	60	1	examples	example	NOUN
fsr-3479	60	2	of	of	ADP
fsr-3479	60	3	intrinsic	intrinsic	ADJ
fsr-3479	60	4	cognitive	cognitive	ADJ
fsr-3479	60	5	load	load	NOUN
fsr-3479	60	6	for	for	ADP
fsr-3479	60	7	investment	investment	NOUN
fsr-3479	60	8	management	management	NOUN
fsr-3479	60	9	include	include	VERB
fsr-3479	60	10	conducting	conduct	VERB
fsr-3479	60	11	due	due	ADJ
fsr-3479	60	12	diligence	diligence	NOUN
fsr-3479	60	13	and	and	CCONJ
fsr-3479	60	14	investment	investment	NOUN
fsr-3479	60	15	research	research	NOUN
fsr-3479	60	16	and	and	CCONJ
fsr-3479	60	17	implementing	implement	VERB
fsr-3479	60	18	portfolio	portfolio	NOUN
fsr-3479	60	19	decisions	decision	NOUN
fsr-3479	60	20	through	through	ADP
fsr-3479	60	21	trading	trading	NOUN
fsr-3479	60	22	,	,	PUNCT
fsr-3479	60	23	rebalancing	rebalancing	NOUN
fsr-3479	60	24	,	,	PUNCT
fsr-3479	60	25	and	and	CCONJ
fsr-3479	60	26	ongoing	ongoing	ADJ
fsr-3479	60	27	monitoring	monitoring	NOUN
fsr-3479	60	28	.	.	PUNCT
fsr-3479	61	1	extraneous	extraneous	ADJ
fsr-3479	61	2	cognitive	cognitive	ADJ
fsr-3479	61	3	load	load	NOUN
fsr-3479	61	4	,	,	PUNCT
fsr-3479	61	5	also	also	ADV
fsr-3479	61	6	known	know	VERB
fsr-3479	61	7	as	as	ADP
fsr-3479	61	8	ineffective	ineffective	ADJ
fsr-3479	61	9	cognitive	cognitive	ADJ
fsr-3479	61	10	load	load	NOUN
fsr-3479	61	11	,	,	PUNCT
fsr-3479	61	12	is	be	AUX
fsr-3479	61	13	present	present	ADJ
fsr-3479	61	14	when	when	SCONJ
fsr-3479	61	15	confounding	confound	VERB
fsr-3479	61	16	variables	variable	NOUN
fsr-3479	61	17	are	be	AUX
fsr-3479	61	18	introduced	introduce	VERB
fsr-3479	61	19	into	into	ADP
fsr-3479	61	20	the	the	DET
fsr-3479	61	21	problem	problem	NOUN
fsr-3479	61	22	-	-	PUNCT
fsr-3479	61	23	solving	solve	VERB
fsr-3479	61	24	activity	activity	NOUN
fsr-3479	61	25	and	and	CCONJ
fsr-3479	61	26	interfere	interfere	VERB
fsr-3479	61	27	with	with	ADP
fsr-3479	61	28	its	its	PRON
fsr-3479	61	29	efficient	efficient	ADJ
fsr-3479	61	30	completion	completion	NOUN
fsr-3479	61	31	(	(	PUNCT
fsr-3479	61	32	paas	paas	NOUN
fsr-3479	61	33	et	et	PROPN
fsr-3479	61	34	al	al	PROPN
fsr-3479	61	35	.	.	PROPN
fsr-3479	61	36	,	,	PUNCT
fsr-3479	61	37	2003	2003	NUM
fsr-3479	61	38	)	)	PUNCT
fsr-3479	61	39	.	.	PUNCT
fsr-3479	62	1	these	these	DET
fsr-3479	62	2	variables	variable	NOUN
fsr-3479	62	3	or	or	CCONJ
fsr-3479	62	4	processes	process	NOUN
fsr-3479	62	5	are	be	AUX
fsr-3479	62	6	related	relate	VERB
fsr-3479	62	7	to	to	ADP
fsr-3479	62	8	the	the	DET
fsr-3479	62	9	problem	problem	NOUN
fsr-3479	62	10	-	-	PUNCT
fsr-3479	62	11	solving	solve	VERB
fsr-3479	62	12	activity	activity	NOUN
fsr-3479	62	13	but	but	CCONJ
fsr-3479	62	14	create	create	VERB
fsr-3479	62	15	unnecessary	unnecessary	ADJ
fsr-3479	62	16	and	and	CCONJ
fsr-3479	62	17	inefficient	inefficient	ADJ
fsr-3479	62	18	additional	additional	ADJ
fsr-3479	62	19	steps	step	NOUN
fsr-3479	62	20	to	to	PART
fsr-3479	62	21	complete	complete	VERB
fsr-3479	62	22	the	the	DET
fsr-3479	62	23	problem	problem	NOUN
fsr-3479	62	24	,	,	PUNCT
fsr-3479	62	25	which	which	PRON
fsr-3479	62	26	hinder	hinder	VERB
fsr-3479	62	27	performance	performance	NOUN
fsr-3479	62	28	(	(	PUNCT
fsr-3479	62	29	leppink	leppink	VERB
fsr-3479	62	30	et	et	PROPN
fsr-3479	62	31	al	al	PROPN
fsr-3479	62	32	.	.	PROPN
fsr-3479	62	33	,	,	PUNCT
fsr-3479	62	34	2015	2015	NUM
fsr-3479	62	35	)	)	PUNCT
fsr-3479	62	36	.	.	PUNCT
fsr-3479	63	1	due	due	ADP
fsr-3479	63	2	to	to	ADP
fsr-3479	63	3	the	the	DET
fsr-3479	63	4	additive	additive	ADJ
fsr-3479	63	5	nature	nature	NOUN
fsr-3479	63	6	of	of	ADP
fsr-3479	63	7	the	the	DET
fsr-3479	63	8	cognitive	cognitive	ADJ
fsr-3479	63	9	load	load	NOUN
fsr-3479	63	10	architecture	architecture	NOUN
fsr-3479	63	11	,	,	PUNCT
fsr-3479	63	12	the	the	DET
fsr-3479	63	13	presence	presence	NOUN
fsr-3479	63	14	of	of	ADP
fsr-3479	63	15	extraneous	extraneous	ADJ
fsr-3479	63	16	cognitive	cognitive	ADJ
fsr-3479	63	17	load	load	NOUN
fsr-3479	63	18	is	be	AUX
fsr-3479	63	19	particularly	particularly	ADV
fsr-3479	63	20	important	important	ADJ
fsr-3479	63	21	when	when	SCONJ
fsr-3479	63	22	intrinsic	intrinsic	ADJ
fsr-3479	63	23	cognitive	cognitive	ADJ
fsr-3479	63	24	load	load	NOUN
fsr-3479	63	25	is	be	AUX
fsr-3479	63	26	high	high	ADJ
fsr-3479	63	27	.	.	PUNCT
fsr-3479	64	1	because	because	SCONJ
fsr-3479	64	2	cognitive	cognitive	ADJ
fsr-3479	64	3	load	load	NOUN
fsr-3479	64	4	can	can	AUX
fsr-3479	64	5	not	not	PART
fsr-3479	64	6	exceed	exceed	VERB
fsr-3479	64	7	working	working	NOUN
fsr-3479	64	8	memory	memory	NOUN
fsr-3479	64	9	capacity	capacity	NOUN
fsr-3479	64	10	,	,	PUNCT
fsr-3479	64	11	when	when	SCONJ
fsr-3479	64	12	intrinsic	intrinsic	ADJ
fsr-3479	64	13	cognitive	cognitive	ADJ
fsr-3479	64	14	load	load	NOUN
fsr-3479	64	15	is	be	AUX
fsr-3479	64	16	high	high	ADJ
fsr-3479	64	17	,	,	PUNCT
fsr-3479	64	18	there	there	PRON
fsr-3479	64	19	is	be	VERB
fsr-3479	64	20	less	less	ADJ
fsr-3479	64	21	capacity	capacity	NOUN
fsr-3479	64	22	for	for	ADP
fsr-3479	64	23	extraneous	extraneous	ADJ
fsr-3479	64	24	cognitive	cognitive	ADJ
fsr-3479	64	25	load	load	NOUN
fsr-3479	64	26	(	(	PUNCT
fsr-3479	64	27	paas	paas	NOUN
fsr-3479	64	28	et	et	PROPN
fsr-3479	64	29	al	al	PROPN
fsr-3479	64	30	.	.	PROPN
fsr-3479	64	31	,	,	PUNCT
fsr-3479	64	32	2003	2003	NUM
fsr-3479	64	33	)	)	PUNCT
fsr-3479	64	34	.	.	PUNCT
fsr-3479	65	1	examples	example	NOUN
fsr-3479	65	2	of	of	ADP
fsr-3479	65	3	extraneous	extraneous	ADJ
fsr-3479	65	4	cognitive	cognitive	ADJ
fsr-3479	65	5	load	load	NOUN
fsr-3479	65	6	that	that	PRON
fsr-3479	65	7	financial	financial	ADJ
fsr-3479	65	8	advisors	advisor	NOUN
fsr-3479	65	9	may	may	AUX
fsr-3479	65	10	face	face	VERB
fsr-3479	65	11	include	include	VERB
fsr-3479	65	12	addressing	address	VERB
fsr-3479	65	13	client	client	NOUN
fsr-3479	65	14	servicing	servicing	NOUN
fsr-3479	65	15	tasks	task	NOUN
fsr-3479	65	16	and	and	CCONJ
fsr-3479	65	17	related	related	ADJ
fsr-3479	65	18	paperwork	paperwork	NOUN
fsr-3479	65	19	,	,	PUNCT
fsr-3479	65	20	developing	develop	VERB
fsr-3479	65	21	and	and	CCONJ
fsr-3479	65	22	marketing	market	VERB
fsr-3479	65	23	the	the	DET
fsr-3479	65	24	business	business	NOUN
fsr-3479	65	25	,	,	PUNCT
fsr-3479	65	26	conducting	conduct	VERB
fsr-3479	65	27	administrative	administrative	ADJ
fsr-3479	65	28	tasks	task	NOUN
fsr-3479	65	29	,	,	PUNCT
fsr-3479	65	30	and	and	CCONJ
fsr-3479	65	31	engaging	engage	VERB
fsr-3479	65	32	in	in	ADP
fsr-3479	65	33	professional	professional	ADJ
fsr-3479	65	34	development	development	NOUN
fsr-3479	65	35	.	.	PUNCT
fsr-3479	66	1	germane	germane	ADJ
fsr-3479	66	2	cognitive	cognitive	ADJ
fsr-3479	66	3	load	load	NOUN
fsr-3479	66	4	is	be	AUX
fsr-3479	66	5	used	use	VERB
fsr-3479	66	6	to	to	PART
fsr-3479	66	7	explain	explain	VERB
fsr-3479	66	8	any	any	DET
fsr-3479	66	9	unused	unused	ADJ
fsr-3479	66	10	excess	excess	ADJ
fsr-3479	66	11	working	working	NOUN
fsr-3479	66	12	memory	memory	NOUN
fsr-3479	66	13	capacity	capacity	NOUN
fsr-3479	66	14	that	that	PRON
fsr-3479	66	15	can	can	AUX
fsr-3479	66	16	be	be	AUX
fsr-3479	66	17	refocused	refocus	VERB
fsr-3479	66	18	into	into	ADP
fsr-3479	66	19	activities	activity	NOUN
fsr-3479	66	20	that	that	PRON
fsr-3479	66	21	support	support	VERB
fsr-3479	66	22	intrinsic	intrinsic	ADJ
fsr-3479	66	23	cognitive	cognitive	ADJ
fsr-3479	66	24	load	load	NOUN
fsr-3479	66	25	(	(	PUNCT
fsr-3479	66	26	sweller	sweller	NOUN
fsr-3479	66	27	,	,	PUNCT
fsr-3479	66	28	van	van	PROPN
fsr-3479	66	29	merrienboer	merrienboer	PROPN
fsr-3479	66	30	,	,	PUNCT
fsr-3479	66	31	&	&	CCONJ
fsr-3479	66	32	paas	paas	PROPN
fsr-3479	66	33	,	,	PUNCT
fsr-3479	66	34	1998	1998	NUM
fsr-3479	66	35	)	)	PUNCT
fsr-3479	66	36	.	.	PUNCT
fsr-3479	67	1	the	the	DET
fsr-3479	67	2	presence	presence	NOUN
fsr-3479	67	3	of	of	ADP
fsr-3479	67	4	germane	germane	NOUN
fsr-3479	67	5	cognitive	cognitive	ADJ
fsr-3479	67	6	load	load	NOUN
fsr-3479	67	7	is	be	AUX
fsr-3479	67	8	desirable	desirable	ADJ
fsr-3479	67	9	as	as	SCONJ
fsr-3479	67	10	it	it	PRON
fsr-3479	67	11	helps	helps	AUX
fsr-3479	67	12	lessen	lessen	VERB
fsr-3479	67	13	the	the	DET
fsr-3479	67	14	strain	strain	NOUN
fsr-3479	67	15	of	of	ADP
fsr-3479	67	16	intrinsic	intrinsic	ADJ
fsr-3479	67	17	cognitive	cognitive	ADJ
fsr-3479	67	18	load	load	NOUN
fsr-3479	67	19	and	and	CCONJ
fsr-3479	67	20	improves	improve	VERB
fsr-3479	67	21	cognitive	cognitive	ADJ
fsr-3479	67	22	performance	performance	NOUN
fsr-3479	67	23	in	in	ADP
fsr-3479	67	24	problemsolving	problemsolve	VERB
fsr-3479	67	25	.	.	PUNCT
fsr-3479	68	1	since	since	SCONJ
fsr-3479	68	2	intrinsic	intrinsic	ADJ
fsr-3479	68	3	cognitive	cognitive	ADJ
fsr-3479	68	4	load	load	NOUN
fsr-3479	68	5	can	can	AUX
fsr-3479	68	6	not	not	PART
fsr-3479	68	7	be	be	AUX
fsr-3479	68	8	altered	alter	VERB
fsr-3479	68	9	,	,	PUNCT
fsr-3479	68	10	in	in	ADP
fsr-3479	68	11	situations	situation	NOUN
fsr-3479	68	12	where	where	SCONJ
fsr-3479	68	13	the	the	DET
fsr-3479	68	14	cognitive	cognitive	ADJ
fsr-3479	68	15	load	load	NOUN
fsr-3479	68	16	level	level	NOUN
fsr-3479	68	17	is	be	AUX
fsr-3479	68	18	high	high	ADJ
fsr-3479	68	19	,	,	PUNCT
fsr-3479	68	20	reducing	reduce	VERB
fsr-3479	68	21	or	or	CCONJ
fsr-3479	68	22	eliminating	eliminate	VERB
fsr-3479	68	23	extraneous	extraneous	ADJ
fsr-3479	68	24	cognitive	cognitive	ADJ
fsr-3479	68	25	load	load	NOUN
fsr-3479	68	26	improves	improve	VERB
fsr-3479	68	27	the	the	DET
fsr-3479	68	28	overall	overall	ADJ
fsr-3479	68	29	cognitive	cognitive	ADJ
fsr-3479	68	30	process	process	NOUN
fsr-3479	68	31	(	(	PUNCT
fsr-3479	68	32	leppink	leppink	VERB
fsr-3479	68	33	et	et	PROPN
fsr-3479	68	34	al	al	PROPN
fsr-3479	68	35	.	.	PROPN
fsr-3479	68	36	,	,	PUNCT
fsr-3479	68	37	2015	2015	NUM
fsr-3479	68	38	;	;	PUNCT
fsr-3479	68	39	sweller	sweller	NOUN
fsr-3479	68	40	,	,	PUNCT
fsr-3479	68	41	1988	1988	NUM
fsr-3479	68	42	;	;	PUNCT
fsr-3479	68	43	sweller	sweller	PROPN
fsr-3479	68	44	et	et	PROPN
fsr-3479	68	45	al	al	PROPN
fsr-3479	68	46	.	.	PROPN
fsr-3479	68	47	,	,	PUNCT
fsr-3479	68	48	1998	1998	NUM
fsr-3479	68	49	)	)	PUNCT
fsr-3479	68	50	.	.	PUNCT
fsr-3479	69	1	the	the	DET
fsr-3479	69	2	split	split	ADJ
fsr-3479	69	3	-	-	PUNCT
fsr-3479	69	4	attention	attention	NOUN
fsr-3479	69	5	effect	effect	NOUN
fsr-3479	69	6	provides	provide	VERB
fsr-3479	69	7	an	an	DET
fsr-3479	69	8	example	example	NOUN
fsr-3479	69	9	of	of	ADP
fsr-3479	69	10	the	the	DET
fsr-3479	69	11	toll	toll	NOUN
fsr-3479	69	12	extraneous	extraneous	ADJ
fsr-3479	69	13	cognitive	cognitive	ADJ
fsr-3479	69	14	load	load	NOUN
fsr-3479	69	15	can	can	AUX
fsr-3479	69	16	have	have	VERB
fsr-3479	69	17	in	in	ADP
fsr-3479	69	18	explaining	explain	VERB
fsr-3479	69	19	a	a	DET
fsr-3479	69	20	limitation	limitation	NOUN
fsr-3479	69	21	of	of	ADP
fsr-3479	69	22	human	human	ADJ
fsr-3479	69	23	information	information	NOUN
fsr-3479	69	24	processing	processing	NOUN
fsr-3479	69	25	(	(	PUNCT
fsr-3479	69	26	chandler	chandler	PROPN
fsr-3479	69	27	&	&	CCONJ
fsr-3479	69	28	sweller	sweller	PROPN
fsr-3479	69	29	,	,	PUNCT
fsr-3479	69	30	1991	1991	NUM
fsr-3479	69	31	)	)	PUNCT
fsr-3479	69	32	.	.	PUNCT
fsr-3479	70	1	extraneous	extraneous	ADJ
fsr-3479	70	2	cognitive	cognitive	ADJ
fsr-3479	70	3	load	load	NOUN
fsr-3479	70	4	increases	increase	NOUN
fsr-3479	70	5	when	when	SCONJ
fsr-3479	70	6	a	a	DET
fsr-3479	70	7	subject	subject	NOUN
fsr-3479	70	8	’s	’s	PART
fsr-3479	70	9	focus	focus	NOUN
fsr-3479	70	10	is	be	AUX
fsr-3479	70	11	split	split	VERB
fsr-3479	70	12	between	between	ADP
fsr-3479	70	13	multiple	multiple	ADJ
fsr-3479	70	14	elements	element	NOUN
fsr-3479	70	15	in	in	ADP
fsr-3479	70	16	a	a	DET
fsr-3479	70	17	cognitive	cognitive	ADJ
fsr-3479	70	18	process	process	NOUN
fsr-3479	70	19	.	.	PUNCT
fsr-3479	71	1	an	an	DET
fsr-3479	71	2	additional	additional	ADJ
fsr-3479	71	3	deterrent	deterrent	NOUN
fsr-3479	71	4	to	to	ADP
fsr-3479	71	5	minimizing	minimize	VERB
fsr-3479	71	6	cognitive	cognitive	ADJ
fsr-3479	71	7	load	load	NOUN
fsr-3479	71	8	is	be	AUX
fsr-3479	71	9	choice	choice	NOUN
fsr-3479	71	10	overload	overload	NOUN
fsr-3479	71	11	.	.	PUNCT
fsr-3479	72	1	as	as	SCONJ
fsr-3479	72	2	the	the	DET
fsr-3479	72	3	choice	choice	NOUN
fsr-3479	72	4	set	set	NOUN
fsr-3479	72	5	grows	grow	VERB
fsr-3479	72	6	,	,	PUNCT
fsr-3479	72	7	the	the	DET
fsr-3479	72	8	number	number	NOUN
fsr-3479	72	9	of	of	ADP
fsr-3479	72	10	characteristics	characteristic	NOUN
fsr-3479	72	11	needing	need	VERB
fsr-3479	72	12	comparison	comparison	NOUN
fsr-3479	72	13	increases	increase	NOUN
fsr-3479	72	14	and	and	CCONJ
fsr-3479	72	15	cognitive	cognitive	ADJ
fsr-3479	72	16	costs	cost	NOUN
fsr-3479	72	17	rise	rise	VERB
fsr-3479	72	18	,	,	PUNCT
fsr-3479	72	19	potentially	potentially	ADV
fsr-3479	72	20	giving	give	VERB
fsr-3479	72	21	way	way	NOUN
fsr-3479	72	22	to	to	PART
fsr-3479	72	23	overload	overload	VERB
fsr-3479	72	24	(	(	PUNCT
fsr-3479	72	25	greenleaf	greenleaf	PROPN
fsr-3479	72	26	&	&	CCONJ
fsr-3479	72	27	lehmann	lehmann	PROPN
fsr-3479	72	28	,	,	PUNCT
fsr-3479	72	29	1995	1995	NUM
fsr-3479	72	30	;	;	PUNCT
fsr-3479	72	31	shugan	shugan	NOUN
fsr-3479	72	32	,	,	PUNCT
fsr-3479	72	33	1980	1980	NUM
fsr-3479	72	34	)	)	PUNCT
fsr-3479	72	35	.	.	PUNCT
fsr-3479	73	1	when	when	SCONJ
fsr-3479	73	2	choices	choice	NOUN
fsr-3479	73	3	are	be	AUX
fsr-3479	73	4	consequential	consequential	ADJ
fsr-3479	73	5	and/or	and/or	CCONJ
fsr-3479	73	6	involve	involve	VERB
fsr-3479	73	7	numerous	numerous	ADJ
fsr-3479	73	8	options	option	NOUN
fsr-3479	73	9	,	,	PUNCT
fsr-3479	73	10	the	the	DET
fsr-3479	73	11	decision	decision	NOUN
fsr-3479	73	12	-	-	PUNCT
fsr-3479	73	13	making	make	VERB
fsr-3479	73	14	process	process	NOUN
fsr-3479	73	15	becomes	become	VERB
fsr-3479	73	16	more	more	ADV
fsr-3479	73	17	effortful	effortful	ADJ
fsr-3479	73	18	,	,	PUNCT
fsr-3479	73	19	which	which	PRON
fsr-3479	73	20	can	can	AUX
fsr-3479	73	21	lead	lead	VERB
fsr-3479	73	22	to	to	ADP
fsr-3479	73	23	cognitive	cognitive	ADJ
fsr-3479	73	24	overload	overload	NOUN
fsr-3479	73	25	(	(	PUNCT
fsr-3479	73	26	botti	botti	PROPN
fsr-3479	73	27	&	&	CCONJ
fsr-3479	73	28	iyengar	iyengar	PROPN
fsr-3479	73	29	,	,	PUNCT
fsr-3479	73	30	2006	2006	NUM
fsr-3479	73	31	;	;	PUNCT
fsr-3479	73	32	huberman	huberman	NOUN
fsr-3479	73	33	,	,	PUNCT
fsr-3479	73	34	iyengar	iyengar	ADJ
fsr-3479	73	35	,	,	PUNCT
fsr-3479	73	36	&	&	CCONJ
fsr-3479	73	37	jiang	jiang	PROPN
fsr-3479	73	38	,	,	PUNCT
fsr-3479	73	39	2004	2004	NUM
fsr-3479	73	40	)	)	PUNCT
fsr-3479	73	41	.	.	PUNCT
fsr-3479	74	1	148	148	NUM
fsr-3479	74	2	j.	j.	PROPN
fsr-3479	74	3	e.	e.	PROPN
fsr-3479	74	4	heller	heller	PROPN
fsr-3479	74	5	et	et	PROPN
fsr-3479	74	6	al	al	PROPN
fsr-3479	74	7	.	.	PUNCT
fsr-3479	74	8	/	/	SYM
fsr-3479	74	9	financial	financial	ADJ
fsr-3479	74	10	services	service	NOUN
fsr-3479	74	11	review	review	VERB
fsr-3479	74	12	30	30	NUM
fsr-3479	74	13	(	(	PUNCT
fsr-3479	74	14	2022	2022	NUM
fsr-3479	74	15	)	)	PUNCT
fsr-3479	74	16	145–164	145–164	NUM
fsr-3479	74	17	cognitive	cognitive	ADJ
fsr-3479	74	18	load	load	NOUN
fsr-3479	74	19	is	be	AUX
fsr-3479	74	20	also	also	ADV
fsr-3479	74	21	more	more	ADV
fsr-3479	74	22	likely	likely	ADJ
fsr-3479	74	23	to	to	PART
fsr-3479	74	24	be	be	AUX
fsr-3479	74	25	exhausted	exhaust	VERB
fsr-3479	74	26	when	when	SCONJ
fsr-3479	74	27	processing	process	VERB
fsr-3479	74	28	more	more	ADV
fsr-3479	74	29	complex	complex	ADJ
fsr-3479	74	30	tasks	task	NOUN
fsr-3479	74	31	(	(	PUNCT
fsr-3479	74	32	jacko	jacko	NOUN
fsr-3479	74	33	&	&	CCONJ
fsr-3479	74	34	ward	ward	PROPN
fsr-3479	74	35	,	,	PUNCT
fsr-3479	74	36	1996	1996	NUM
fsr-3479	74	37	)	)	PUNCT
fsr-3479	74	38	.	.	PUNCT
fsr-3479	75	1	campbell	campbell	PROPN
fsr-3479	75	2	(	(	PUNCT
fsr-3479	75	3	1988	1988	NUM
fsr-3479	75	4	)	)	PUNCT
fsr-3479	75	5	suggests	suggest	VERB
fsr-3479	75	6	that	that	SCONJ
fsr-3479	75	7	a	a	DET
fsr-3479	75	8	complex	complex	ADJ
fsr-3479	75	9	task	task	NOUN
fsr-3479	75	10	must	must	AUX
fsr-3479	75	11	minimally	minimally	ADV
fsr-3479	75	12	have	have	VERB
fsr-3479	75	13	either	either	CCONJ
fsr-3479	75	14	multiple	multiple	ADJ
fsr-3479	75	15	paths	path	NOUN
fsr-3479	75	16	,	,	PUNCT
fsr-3479	75	17	multiple	multiple	ADJ
fsr-3479	75	18	outcomes	outcome	NOUN
fsr-3479	75	19	,	,	PUNCT
fsr-3479	75	20	conflicting	conflict	VERB
fsr-3479	75	21	interdependence	interdependence	NOUN
fsr-3479	75	22	among	among	ADP
fsr-3479	75	23	paths	path	NOUN
fsr-3479	75	24	,	,	PUNCT
fsr-3479	75	25	or	or	CCONJ
fsr-3479	75	26	uncertain	uncertain	ADJ
fsr-3479	75	27	probabilistic	probabilistic	ADJ
fsr-3479	75	28	linkages	linkage	NOUN
fsr-3479	75	29	.	.	PUNCT
fsr-3479	76	1	using	use	VERB
fsr-3479	76	2	this	this	DET
fsr-3479	76	3	definition	definition	NOUN
fsr-3479	76	4	,	,	PUNCT
fsr-3479	76	5	portfolio	portfolio	NOUN
fsr-3479	76	6	management	management	NOUN
fsr-3479	76	7	can	can	AUX
fsr-3479	76	8	be	be	AUX
fsr-3479	76	9	defined	define	VERB
fsr-3479	76	10	as	as	ADP
fsr-3479	76	11	a	a	DET
fsr-3479	76	12	complex	complex	ADJ
fsr-3479	76	13	task	task	NOUN
fsr-3479	76	14	that	that	PRON
fsr-3479	76	15	requires	require	VERB
fsr-3479	76	16	considerable	considerable	ADJ
fsr-3479	76	17	cognitive	cognitive	ADJ
fsr-3479	76	18	resources	resource	NOUN
fsr-3479	76	19	to	to	PART
fsr-3479	76	20	perform	perform	VERB
fsr-3479	76	21	and	and	CCONJ
fsr-3479	76	22	is	be	AUX
fsr-3479	76	23	more	more	ADV
fsr-3479	76	24	likely	likely	ADJ
fsr-3479	76	25	to	to	PART
fsr-3479	76	26	exhaust	exhaust	VERB
fsr-3479	76	27	cognitive	cognitive	ADJ
fsr-3479	76	28	load	load	NOUN
fsr-3479	76	29	.	.	PUNCT
fsr-3479	77	1	the	the	DET
fsr-3479	77	2	effects	effect	NOUN
fsr-3479	77	3	on	on	ADP
fsr-3479	77	4	performance	performance	NOUN
fsr-3479	77	5	due	due	ADJ
fsr-3479	77	6	to	to	ADP
fsr-3479	77	7	multitasking	multitaske	VERB
fsr-3479	77	8	are	be	AUX
fsr-3479	77	9	also	also	ADV
fsr-3479	77	10	noteworthy	noteworthy	ADJ
fsr-3479	77	11	.	.	PUNCT
fsr-3479	78	1	gonzàlez	gonzàlez	NOUN
fsr-3479	78	2	and	and	CCONJ
fsr-3479	78	3	mark	mark	PROPN
fsr-3479	78	4	(	(	PUNCT
fsr-3479	78	5	2005	2005	NUM
fsr-3479	78	6	)	)	PUNCT
fsr-3479	78	7	discovered	discover	VERB
fsr-3479	78	8	that	that	SCONJ
fsr-3479	78	9	task	task	NOUN
fsr-3479	78	10	switching	switching	NOUN
fsr-3479	78	11	was	be	AUX
fsr-3479	78	12	equally	equally	ADV
fsr-3479	78	13	created	create	VERB
fsr-3479	78	14	by	by	ADP
fsr-3479	78	15	external	external	ADJ
fsr-3479	78	16	interruptions	interruption	NOUN
fsr-3479	78	17	as	as	ADV
fsr-3479	78	18	well	well	ADV
fsr-3479	78	19	as	as	ADP
fsr-3479	78	20	internal	internal	ADJ
fsr-3479	78	21	self	self	NOUN
fsr-3479	78	22	-	-	PUNCT
fsr-3479	78	23	interruptions	interruption	NOUN
fsr-3479	78	24	,	,	PUNCT
fsr-3479	78	25	called	call	VERB
fsr-3479	78	26	discretionary	discretionary	ADJ
fsr-3479	78	27	switching	switching	NOUN
fsr-3479	78	28	.	.	PUNCT
fsr-3479	79	1	discretionary	discretionary	ADJ
fsr-3479	79	2	switching	switching	NOUN
fsr-3479	79	3	is	be	AUX
fsr-3479	79	4	the	the	DET
fsr-3479	79	5	type	type	NOUN
fsr-3479	79	6	most	most	ADV
fsr-3479	79	7	associated	associate	VERB
fsr-3479	79	8	with	with	ADP
fsr-3479	79	9	tasks	task	NOUN
fsr-3479	79	10	that	that	PRON
fsr-3479	79	11	require	require	VERB
fsr-3479	79	12	multiple	multiple	ADV
fsr-3479	79	13	related	relate	VERB
fsr-3479	79	14	,	,	PUNCT
fsr-3479	79	15	but	but	CCONJ
fsr-3479	79	16	separate	separate	ADJ
fsr-3479	79	17	subtasks	subtask	NOUN
fsr-3479	79	18	,	,	PUNCT
fsr-3479	79	19	and	and	CCONJ
fsr-3479	79	20	is	be	AUX
fsr-3479	79	21	most	most	ADV
fsr-3479	79	22	closely	closely	ADV
fsr-3479	79	23	related	relate	VERB
fsr-3479	79	24	to	to	ADP
fsr-3479	79	25	our	our	PRON
fsr-3479	79	26	study	study	NOUN
fsr-3479	79	27	.	.	PUNCT
fsr-3479	80	1	like	like	ADP
fsr-3479	80	2	split	split	NOUN
fsr-3479	80	3	-	-	PUNCT
fsr-3479	80	4	attention	attention	NOUN
fsr-3479	80	5	,	,	PUNCT
fsr-3479	80	6	discretionary	discretionary	ADJ
fsr-3479	80	7	task	task	NOUN
fsr-3479	80	8	switching	switch	VERB
fsr-3479	80	9	diverts	divert	VERB
fsr-3479	80	10	cognitive	cognitive	ADJ
fsr-3479	80	11	resources	resource	NOUN
fsr-3479	80	12	from	from	ADP
fsr-3479	80	13	the	the	DET
fsr-3479	80	14	primary	primary	ADJ
fsr-3479	80	15	task	task	NOUN
fsr-3479	80	16	to	to	ADP
fsr-3479	80	17	a	a	DET
fsr-3479	80	18	secondary	secondary	ADJ
fsr-3479	80	19	or	or	CCONJ
fsr-3479	80	20	tertiary	tertiary	ADJ
fsr-3479	80	21	task	task	NOUN
fsr-3479	80	22	,	,	PUNCT
fsr-3479	80	23	potentially	potentially	ADV
fsr-3479	80	24	before	before	ADP
fsr-3479	80	25	the	the	DET
fsr-3479	80	26	completion	completion	NOUN
fsr-3479	80	27	of	of	ADP
fsr-3479	80	28	the	the	DET
fsr-3479	80	29	primary	primary	ADJ
fsr-3479	80	30	task	task	NOUN
fsr-3479	80	31	.	.	PUNCT
fsr-3479	81	1	czerwinski	czerwinski	ADJ
fsr-3479	81	2	,	,	PUNCT
fsr-3479	81	3	horvitz	horvitz	ADV
fsr-3479	81	4	,	,	PUNCT
fsr-3479	81	5	and	and	CCONJ
fsr-3479	81	6	wilhite	wilhite	PROPN
fsr-3479	81	7	(	(	PUNCT
fsr-3479	81	8	2004	2004	NUM
fsr-3479	81	9	)	)	PUNCT
fsr-3479	81	10	found	find	VERB
fsr-3479	81	11	that	that	SCONJ
fsr-3479	81	12	complex	complex	ADJ
fsr-3479	81	13	tasks	task	NOUN
fsr-3479	81	14	were	be	AUX
fsr-3479	81	15	more	more	ADV
fsr-3479	81	16	difficult	difficult	ADJ
fsr-3479	81	17	to	to	PART
fsr-3479	81	18	resume	resume	VERB
fsr-3479	81	19	once	once	ADV
fsr-3479	81	20	interrupted	interrupt	VERB
fsr-3479	81	21	.	.	PUNCT
fsr-3479	82	1	hodgetts	hodgett	NOUN
fsr-3479	82	2	and	and	CCONJ
fsr-3479	82	3	jones	jones	PROPN
fsr-3479	82	4	(	(	PUNCT
fsr-3479	82	5	2006	2006	NUM
fsr-3479	82	6	)	)	PUNCT
fsr-3479	82	7	found	find	VERB
fsr-3479	82	8	an	an	DET
fsr-3479	82	9	inverse	inverse	NOUN
fsr-3479	82	10	relationship	relationship	NOUN
fsr-3479	82	11	between	between	ADP
fsr-3479	82	12	primary	primary	ADJ
fsr-3479	82	13	task	task	NOUN
fsr-3479	82	14	difficulty	difficulty	NOUN
fsr-3479	82	15	and	and	CCONJ
fsr-3479	82	16	resumption	resumption	NOUN
fsr-3479	82	17	times	time	NOUN
fsr-3479	82	18	;	;	PUNCT
fsr-3479	82	19	the	the	DET
fsr-3479	82	20	more	more	ADV
fsr-3479	82	21	difficult	difficult	ADJ
fsr-3479	82	22	or	or	CCONJ
fsr-3479	82	23	complex	complex	ADJ
fsr-3479	82	24	the	the	DET
fsr-3479	82	25	primary	primary	ADJ
fsr-3479	82	26	task	task	NOUN
fsr-3479	82	27	,	,	PUNCT
fsr-3479	82	28	the	the	PRON
fsr-3479	82	29	slower	slow	ADJ
fsr-3479	82	30	the	the	DET
fsr-3479	82	31	resumption	resumption	NOUN
fsr-3479	82	32	time	time	NOUN
fsr-3479	82	33	once	once	SCONJ
fsr-3479	82	34	it	it	PRON
fsr-3479	82	35	was	be	AUX
fsr-3479	82	36	interrupted	interrupt	VERB
fsr-3479	82	37	.	.	PUNCT
fsr-3479	83	1	gillie	gillie	PROPN
fsr-3479	83	2	and	and	CCONJ
fsr-3479	83	3	broadbent	broadbent	PROPN
fsr-3479	83	4	(	(	PUNCT
fsr-3479	83	5	1989	1989	NUM
fsr-3479	83	6	)	)	PUNCT
fsr-3479	83	7	found	find	VERB
fsr-3479	83	8	that	that	SCONJ
fsr-3479	83	9	primary	primary	ADJ
fsr-3479	83	10	task	task	NOUN
fsr-3479	83	11	accuracy	accuracy	NOUN
fsr-3479	83	12	after	after	SCONJ
fsr-3479	83	13	interruptions	interruption	NOUN
fsr-3479	83	14	declined	decline	VERB
fsr-3479	83	15	as	as	SCONJ
fsr-3479	83	16	task	task	NOUN
fsr-3479	83	17	complexity	complexity	NOUN
fsr-3479	83	18	increased	increase	VERB
fsr-3479	83	19	.	.	PUNCT
fsr-3479	84	1	jin	jin	NOUN
fsr-3479	84	2	and	and	CCONJ
fsr-3479	84	3	dabbish	dabbish	X
fsr-3479	84	4	(	(	PUNCT
fsr-3479	84	5	2009	2009	NUM
fsr-3479	84	6	)	)	PUNCT
fsr-3479	84	7	identified	identify	VERB
fsr-3479	84	8	seven	seven	NUM
fsr-3479	84	9	categories	category	NOUN
fsr-3479	84	10	of	of	ADP
fsr-3479	84	11	discretionary	discretionary	ADJ
fsr-3479	84	12	switching	switching	NOUN
fsr-3479	84	13	.	.	PUNCT
fsr-3479	85	1	most	most	ADV
fsr-3479	85	2	relevant	relevant	ADJ
fsr-3479	85	3	for	for	ADP
fsr-3479	85	4	this	this	DET
fsr-3479	85	5	study	study	NOUN
fsr-3479	85	6	is	be	AUX
fsr-3479	85	7	inquiry	inquiry	NOUN
fsr-3479	85	8	,	,	PUNCT
fsr-3479	85	9	which	which	PRON
fsr-3479	85	10	is	be	AUX
fsr-3479	85	11	switching	switch	VERB
fsr-3479	85	12	to	to	ADP
fsr-3479	85	13	a	a	DET
fsr-3479	85	14	secondary	secondary	ADJ
fsr-3479	85	15	task	task	NOUN
fsr-3479	85	16	to	to	PART
fsr-3479	85	17	gain	gain	VERB
fsr-3479	85	18	information	information	NOUN
fsr-3479	85	19	that	that	SCONJ
fsr-3479	85	20	aides	aide	NOUN
fsr-3479	85	21	in	in	ADP
fsr-3479	85	22	completing	complete	VERB
fsr-3479	85	23	the	the	DET
fsr-3479	85	24	primary	primary	ADJ
fsr-3479	85	25	task	task	NOUN
fsr-3479	85	26	.	.	PUNCT
fsr-3479	86	1	independent	independent	ADJ
fsr-3479	86	2	rias	rias	PROPN
fsr-3479	86	3	are	be	AUX
fsr-3479	86	4	typically	typically	ADV
fsr-3479	86	5	fee	fee	NOUN
fsr-3479	86	6	-	-	PUNCT
fsr-3479	86	7	only	only	ADV
fsr-3479	86	8	planners	planner	NOUN
fsr-3479	86	9	whose	whose	DET
fsr-3479	86	10	compensation	compensation	NOUN
fsr-3479	86	11	is	be	AUX
fsr-3479	86	12	derived	derive	VERB
fsr-3479	86	13	either	either	CCONJ
fsr-3479	86	14	as	as	ADP
fsr-3479	86	15	a	a	DET
fsr-3479	86	16	set	set	NOUN
fsr-3479	86	17	fee	fee	NOUN
fsr-3479	86	18	(	(	PUNCT
fsr-3479	86	19	e.g.	e.g.	ADV
fsr-3479	86	20	,	,	PUNCT
fsr-3479	86	21	a	a	DET
fsr-3479	86	22	flat	flat	ADJ
fsr-3479	86	23	or	or	CCONJ
fsr-3479	86	24	per	per	ADP
fsr-3479	86	25	hour	hour	NOUN
fsr-3479	86	26	charge	charge	NOUN
fsr-3479	86	27	for	for	ADP
fsr-3479	86	28	services	service	NOUN
fsr-3479	86	29	)	)	PUNCT
fsr-3479	86	30	,	,	PUNCT
fsr-3479	86	31	a	a	DET
fsr-3479	86	32	percentage	percentage	NOUN
fsr-3479	86	33	of	of	ADP
fsr-3479	86	34	the	the	DET
fsr-3479	86	35	assets	asset	NOUN
fsr-3479	86	36	under	under	ADP
fsr-3479	86	37	management	management	NOUN
fsr-3479	86	38	(	(	PUNCT
fsr-3479	86	39	aum	aum	NOUN
fsr-3479	86	40	)	)	PUNCT
fsr-3479	86	41	,	,	PUNCT
fsr-3479	86	42	or	or	CCONJ
fsr-3479	86	43	a	a	DET
fsr-3479	86	44	combination	combination	NOUN
fsr-3479	86	45	of	of	ADP
fsr-3479	86	46	the	the	DET
fsr-3479	86	47	two	two	NUM
fsr-3479	86	48	.	.	PUNCT
fsr-3479	87	1	independent	independent	ADJ
fsr-3479	87	2	broker	broker	PROPN
fsr-3479	87	3	/	/	SYM
fsr-3479	87	4	dealers	dealer	NOUN
fsr-3479	87	5	maintain	maintain	VERB
fsr-3479	87	6	a	a	DET
fsr-3479	87	7	dual	dual	ADJ
fsr-3479	87	8	compensation	compensation	NOUN
fsr-3479	87	9	model	model	NOUN
fsr-3479	87	10	:	:	PUNCT
fsr-3479	87	11	(	(	PUNCT
fsr-3479	87	12	1	1	X
fsr-3479	87	13	)	)	PUNCT
fsr-3479	87	14	commission	commission	NOUN
fsr-3479	87	15	-	-	PUNCT
fsr-3479	87	16	based	base	VERB
fsr-3479	87	17	product	product	NOUN
fsr-3479	87	18	placement	placement	NOUN
fsr-3479	87	19	and	and	CCONJ
fsr-3479	87	20	(	(	PUNCT
fsr-3479	87	21	2	2	X
fsr-3479	87	22	)	)	PUNCT
fsr-3479	87	23	a	a	DET
fsr-3479	87	24	fee	fee	NOUN
fsr-3479	87	25	-	-	PUNCT
fsr-3479	87	26	based	base	VERB
fsr-3479	87	27	model	model	NOUN
fsr-3479	87	28	similar	similar	ADJ
fsr-3479	87	29	to	to	ADP
fsr-3479	87	30	independent	independent	ADJ
fsr-3479	87	31	rias	ria	NOUN
fsr-3479	87	32	.	.	PUNCT
fsr-3479	88	1	with	with	ADP
fsr-3479	88	2	investment	investment	NOUN
fsr-3479	88	3	management	management	NOUN
fsr-3479	88	4	as	as	ADP
fsr-3479	88	5	the	the	DET
fsr-3479	88	6	primary	primary	ADJ
fsr-3479	88	7	task	task	NOUN
fsr-3479	88	8	,	,	PUNCT
fsr-3479	88	9	an	an	DET
fsr-3479	88	10	advisor	advisor	NOUN
fsr-3479	88	11	at	at	ADP
fsr-3479	88	12	an	an	DET
fsr-3479	88	13	ibd	ibd	NOUN
fsr-3479	88	14	must	must	AUX
fsr-3479	88	15	first	first	ADV
fsr-3479	88	16	complete	complete	VERB
fsr-3479	88	17	a	a	DET
fsr-3479	88	18	secondary	secondary	ADJ
fsr-3479	88	19	task	task	NOUN
fsr-3479	88	20	and	and	CCONJ
fsr-3479	88	21	determine	determine	NOUN
fsr-3479	88	22	(	(	PUNCT
fsr-3479	88	23	i.e.	i.e.	X
fsr-3479	88	24	,	,	PUNCT
fsr-3479	88	25	inquire	inquire	VERB
fsr-3479	88	26	and	and	CCONJ
fsr-3479	88	27	engage	engage	VERB
fsr-3479	88	28	in	in	ADP
fsr-3479	88	29	discretionary	discretionary	ADJ
fsr-3479	88	30	switching	switching	NOUN
fsr-3479	88	31	)	)	PUNCT
fsr-3479	88	32	what	what	DET
fsr-3479	88	33	amount	amount	NOUN
fsr-3479	88	34	of	of	ADP
fsr-3479	88	35	the	the	DET
fsr-3479	88	36	client	client	NOUN
fsr-3479	88	37	’s	’s	PART
fsr-3479	88	38	investible	investible	ADJ
fsr-3479	88	39	net	net	ADJ
fsr-3479	88	40	worth	worth	NOUN
fsr-3479	88	41	and/or	and/or	CCONJ
fsr-3479	88	42	discretionary	discretionary	ADJ
fsr-3479	88	43	income	income	NOUN
fsr-3479	88	44	will	will	AUX
fsr-3479	88	45	be	be	AUX
fsr-3479	88	46	implemented	implement	VERB
fsr-3479	88	47	through	through	ADP
fsr-3479	88	48	an	an	DET
fsr-3479	88	49	asset	asset	NOUN
fsr-3479	88	50	-	-	PUNCT
fsr-3479	88	51	undermanagement	undermanagement	NOUN
fsr-3479	88	52	compensation	compensation	NOUN
fsr-3479	88	53	program	program	NOUN
fsr-3479	88	54	and	and	CCONJ
fsr-3479	88	55	what	what	DET
fsr-3479	88	56	amount	amount	NOUN
fsr-3479	88	57	will	will	AUX
fsr-3479	88	58	be	be	AUX
fsr-3479	88	59	implemented	implement	VERB
fsr-3479	88	60	through	through	ADP
fsr-3479	88	61	a	a	DET
fsr-3479	88	62	commission	commission	NOUN
fsr-3479	88	63	-	-	PUNCT
fsr-3479	88	64	based	base	VERB
fsr-3479	88	65	compensation	compensation	NOUN
fsr-3479	88	66	program	program	NOUN
fsr-3479	88	67	.	.	PUNCT
fsr-3479	89	1	because	because	SCONJ
fsr-3479	89	2	advisors	advisor	NOUN
fsr-3479	89	3	at	at	ADP
fsr-3479	89	4	ibds	ibds	NOUN
fsr-3479	89	5	have	have	VERB
fsr-3479	89	6	the	the	DET
fsr-3479	89	7	additional	additional	ADJ
fsr-3479	89	8	process	process	NOUN
fsr-3479	89	9	of	of	ADP
fsr-3479	89	10	determining	determine	VERB
fsr-3479	89	11	a	a	DET
fsr-3479	89	12	client	client	NOUN
fsr-3479	89	13	’s	’s	PART
fsr-3479	89	14	compensation	compensation	NOUN
fsr-3479	89	15	program	program	NOUN
fsr-3479	89	16	,	,	PUNCT
fsr-3479	89	17	this	this	PRON
fsr-3479	89	18	adds	add	VERB
fsr-3479	89	19	extraneous	extraneous	ADJ
fsr-3479	89	20	cognitive	cognitive	ADJ
fsr-3479	89	21	load	load	NOUN
fsr-3479	89	22	to	to	ADP
fsr-3479	89	23	the	the	DET
fsr-3479	89	24	investment	investment	NOUN
fsr-3479	89	25	management	management	NOUN
fsr-3479	89	26	task	task	NOUN
fsr-3479	89	27	for	for	ADP
fsr-3479	89	28	ibd	ibd	PROPN
fsr-3479	89	29	advisors	advisor	NOUN
fsr-3479	89	30	,	,	PUNCT
fsr-3479	89	31	what	what	PRON
fsr-3479	89	32	we	we	PRON
fsr-3479	89	33	call	call	VERB
fsr-3479	89	34	,	,	PUNCT
fsr-3479	89	35	the	the	DET
fsr-3479	89	36	compensation	compensation	NOUN
fsr-3479	89	37	puzzle	puzzle	NOUN
fsr-3479	89	38	.	.	PUNCT
fsr-3479	90	1	in	in	ADP
fsr-3479	90	2	addition	addition	NOUN
fsr-3479	90	3	,	,	PUNCT
fsr-3479	90	4	because	because	SCONJ
fsr-3479	90	5	commission	commission	NOUN
fsr-3479	90	6	-	-	PUNCT
fsr-3479	90	7	based	base	VERB
fsr-3479	90	8	compensation	compensation	NOUN
fsr-3479	90	9	is	be	AUX
fsr-3479	90	10	not	not	PART
fsr-3479	90	11	impacted	impact	VERB
fsr-3479	90	12	by	by	ADP
fsr-3479	90	13	subsequent	subsequent	ADJ
fsr-3479	90	14	returns	return	NOUN
fsr-3479	90	15	,	,	PUNCT
fsr-3479	90	16	when	when	SCONJ
fsr-3479	90	17	ibd	ibd	PROPN
fsr-3479	90	18	advisors	advisor	NOUN
fsr-3479	90	19	place	place	VERB
fsr-3479	90	20	client	client	NOUN
fsr-3479	90	21	assets	asset	NOUN
fsr-3479	90	22	in	in	ADP
fsr-3479	90	23	commission	commission	NOUN
fsr-3479	90	24	-	-	PUNCT
fsr-3479	90	25	based	base	VERB
fsr-3479	90	26	products	product	NOUN
fsr-3479	90	27	,	,	PUNCT
fsr-3479	90	28	they	they	PRON
fsr-3479	90	29	may	may	AUX
fsr-3479	90	30	have	have	VERB
fsr-3479	90	31	lower	low	ADJ
fsr-3479	90	32	incentives	incentive	NOUN
fsr-3479	90	33	than	than	SCONJ
fsr-3479	90	34	ria	ria	PROPN
fsr-3479	90	35	advisors	advisor	NOUN
fsr-3479	90	36	for	for	ADP
fsr-3479	90	37	their	their	PRON
fsr-3479	90	38	clients	client	NOUN
fsr-3479	90	39	’	’	PART
fsr-3479	90	40	portfolios	portfolio	NOUN
fsr-3479	90	41	to	to	PART
fsr-3479	90	42	perform	perform	VERB
fsr-3479	90	43	well	well	ADV
fsr-3479	90	44	in	in	ADP
fsr-3479	90	45	the	the	DET
fsr-3479	90	46	future	future	NOUN
fsr-3479	90	47	.	.	PUNCT
fsr-3479	91	1	the	the	DET
fsr-3479	91	2	compensation	compensation	NOUN
fsr-3479	91	3	puzzle	puzzle	NOUN
fsr-3479	91	4	can	can	AUX
fsr-3479	91	5	be	be	AUX
fsr-3479	91	6	framed	frame	VERB
fsr-3479	91	7	as	as	ADP
fsr-3479	91	8	a	a	DET
fsr-3479	91	9	goal	goal	NOUN
fsr-3479	91	10	conflict	conflict	NOUN
fsr-3479	91	11	between	between	ADP
fsr-3479	91	12	generating	generate	VERB
fsr-3479	91	13	the	the	DET
fsr-3479	91	14	highest	high	ADJ
fsr-3479	91	15	return	return	NOUN
fsr-3479	91	16	for	for	ADP
fsr-3479	91	17	clients	client	NOUN
fsr-3479	91	18	and	and	CCONJ
fsr-3479	91	19	generating	generate	VERB
fsr-3479	91	20	higher	high	ADJ
fsr-3479	91	21	upfront	upfront	ADJ
fsr-3479	91	22	compensation	compensation	NOUN
fsr-3479	91	23	for	for	ADP
fsr-3479	91	24	an	an	DET
fsr-3479	91	25	advisor	advisor	NOUN
fsr-3479	91	26	.	.	PUNCT
fsr-3479	92	1	campbell	campbell	PROPN
fsr-3479	92	2	(	(	PUNCT
fsr-3479	92	3	1988	1988	NUM
fsr-3479	92	4	)	)	PUNCT
fsr-3479	92	5	states	state	VERB
fsr-3479	92	6	that	that	SCONJ
fsr-3479	92	7	the	the	DET
fsr-3479	92	8	presence	presence	NOUN
fsr-3479	92	9	of	of	ADP
fsr-3479	92	10	goal	goal	NOUN
fsr-3479	92	11	conflict	conflict	NOUN
fsr-3479	92	12	increases	increase	VERB
fsr-3479	92	13	task	task	NOUN
fsr-3479	92	14	complexity	complexity	NOUN
fsr-3479	92	15	.	.	PUNCT
fsr-3479	93	1	thus	thus	ADV
fsr-3479	93	2	,	,	PUNCT
fsr-3479	93	3	investment	investment	NOUN
fsr-3479	93	4	management	management	NOUN
fsr-3479	93	5	is	be	AUX
fsr-3479	93	6	made	make	VERB
fsr-3479	93	7	more	more	ADJ
fsr-3479	93	8	complex	complex	ADJ
fsr-3479	93	9	for	for	ADP
fsr-3479	93	10	ibd	ibd	PROPN
fsr-3479	93	11	advisors	advisor	NOUN
fsr-3479	93	12	due	due	ADP
fsr-3479	93	13	to	to	ADP
fsr-3479	93	14	the	the	DET
fsr-3479	93	15	presence	presence	NOUN
fsr-3479	93	16	of	of	ADP
fsr-3479	93	17	the	the	DET
fsr-3479	93	18	compensation	compensation	NOUN
fsr-3479	93	19	puzzle	puzzle	NOUN
fsr-3479	93	20	.	.	PUNCT
fsr-3479	94	1	because	because	SCONJ
fsr-3479	94	2	the	the	DET
fsr-3479	94	3	relationship	relationship	NOUN
fsr-3479	94	4	between	between	ADP
fsr-3479	94	5	task	task	NOUN
fsr-3479	94	6	complexity	complexity	NOUN
fsr-3479	94	7	and	and	CCONJ
fsr-3479	94	8	performance	performance	NOUN
fsr-3479	94	9	is	be	AUX
fsr-3479	94	10	negative	negative	ADJ
fsr-3479	94	11	,	,	PUNCT
fsr-3479	94	12	we	we	PRON
fsr-3479	94	13	expect	expect	VERB
fsr-3479	94	14	rias	ria	NOUN
fsr-3479	94	15	to	to	PART
fsr-3479	94	16	perform	perform	VERB
fsr-3479	94	17	better	well	ADV
fsr-3479	94	18	than	than	ADP
fsr-3479	94	19	ibds	ibds	NOUN
fsr-3479	94	20	on	on	ADP
fsr-3479	94	21	the	the	DET
fsr-3479	94	22	complex	complex	ADJ
fsr-3479	94	23	task	task	NOUN
fsr-3479	94	24	of	of	ADP
fsr-3479	94	25	portfolio	portfolio	NOUN
fsr-3479	94	26	management	management	NOUN
fsr-3479	94	27	.	.	PUNCT
fsr-3479	95	1	further	far	ADV
fsr-3479	95	2	,	,	PUNCT
fsr-3479	95	3	because	because	SCONJ
fsr-3479	95	4	financial	financial	ADJ
fsr-3479	95	5	planning	planning	NOUN
fsr-3479	95	6	involves	involve	VERB
fsr-3479	95	7	an	an	DET
fsr-3479	95	8	ongoing	ongoing	ADJ
fsr-3479	95	9	relationship	relationship	NOUN
fsr-3479	95	10	,	,	PUNCT
fsr-3479	95	11	an	an	DET
fsr-3479	95	12	advisor	advisor	NOUN
fsr-3479	95	13	could	could	AUX
fsr-3479	95	14	be	be	AUX
fsr-3479	95	15	required	require	VERB
fsr-3479	95	16	to	to	PART
fsr-3479	95	17	revisit	revisit	VERB
fsr-3479	95	18	this	this	DET
fsr-3479	95	19	compensation	compensation	NOUN
fsr-3479	95	20	puzzle	puzzle	NOUN
fsr-3479	95	21	multiple	multiple	ADJ
fsr-3479	95	22	times	time	NOUN
fsr-3479	95	23	,	,	PUNCT
fsr-3479	95	24	switching	switch	VERB
fsr-3479	95	25	from	from	ADP
fsr-3479	95	26	primary	primary	ADJ
fsr-3479	95	27	to	to	ADP
fsr-3479	95	28	secondary	secondary	ADJ
fsr-3479	95	29	tasks	task	NOUN
fsr-3479	95	30	in	in	ADP
fsr-3479	95	31	the	the	DET
fsr-3479	95	32	process	process	NOUN
fsr-3479	95	33	.	.	PUNCT
fsr-3479	96	1	j.	j.	PROPN
fsr-3479	96	2	e.	e.	PROPN
fsr-3479	96	3	heller	heller	PROPN
fsr-3479	96	4	et	et	PROPN
fsr-3479	96	5	al	al	PROPN
fsr-3479	96	6	.	.	PUNCT
fsr-3479	96	7	/	/	SYM
fsr-3479	96	8	financial	financial	ADJ
fsr-3479	96	9	services	service	NOUN
fsr-3479	96	10	review	review	VERB
fsr-3479	96	11	30	30	NUM
fsr-3479	96	12	(	(	PUNCT
fsr-3479	96	13	2022	2022	NUM
fsr-3479	96	14	)	)	PUNCT
fsr-3479	96	15	145–164	145–164	NUM
fsr-3479	96	16	149	149	NUM
fsr-3479	96	17	1.3	1.3	NUM
fsr-3479	96	18	.	.	PUNCT
fsr-3479	97	1	hypothesis	hypothesis	VERB
fsr-3479	97	2	the	the	DET
fsr-3479	97	3	main	main	ADJ
fsr-3479	97	4	hypothesis	hypothesis	NOUN
fsr-3479	97	5	of	of	ADP
fsr-3479	97	6	this	this	DET
fsr-3479	97	7	study	study	NOUN
fsr-3479	97	8	states	state	VERB
fsr-3479	97	9	that	that	SCONJ
fsr-3479	97	10	due	due	ADP
fsr-3479	97	11	to	to	ADP
fsr-3479	97	12	the	the	DET
fsr-3479	97	13	additional	additional	ADJ
fsr-3479	97	14	extraneous	extraneous	ADJ
fsr-3479	97	15	cognitive	cognitive	ADJ
fsr-3479	97	16	load	load	NOUN
fsr-3479	97	17	levied	levy	VERB
fsr-3479	97	18	against	against	ADP
fsr-3479	97	19	ibd	ibd	PROPN
fsr-3479	97	20	advisors	advisor	NOUN
fsr-3479	97	21	’	'	PUNCT
fsr-3479	97	22	working	work	VERB
fsr-3479	97	23	memory	memory	NOUN
fsr-3479	97	24	capacity	capacity	NOUN
fsr-3479	97	25	due	due	ADP
fsr-3479	97	26	to	to	ADP
fsr-3479	97	27	the	the	DET
fsr-3479	97	28	presence	presence	NOUN
fsr-3479	97	29	of	of	ADP
fsr-3479	97	30	the	the	DET
fsr-3479	97	31	compensation	compensation	NOUN
fsr-3479	97	32	puzzle	puzzle	NOUN
fsr-3479	97	33	,	,	PUNCT
fsr-3479	97	34	net	net	ADJ
fsr-3479	97	35	investment	investment	NOUN
fsr-3479	97	36	performance	performance	NOUN
fsr-3479	97	37	of	of	ADP
fsr-3479	97	38	ibds	ibds	NOUN
fsr-3479	97	39	will	will	AUX
fsr-3479	97	40	be	be	AUX
fsr-3479	97	41	lower	low	ADJ
fsr-3479	97	42	than	than	ADP
fsr-3479	97	43	that	that	PRON
fsr-3479	97	44	of	of	ADP
fsr-3479	97	45	independent	independent	ADJ
fsr-3479	97	46	rias	ria	NOUN
fsr-3479	97	47	.	.	PUNCT
fsr-3479	98	1	as	as	ADP
fsr-3479	98	2	such	such	ADJ
fsr-3479	98	3	,	,	PUNCT
fsr-3479	98	4	we	we	PRON
fsr-3479	98	5	propose	propose	VERB
fsr-3479	98	6	the	the	DET
fsr-3479	98	7	following	follow	VERB
fsr-3479	98	8	null	null	ADJ
fsr-3479	98	9	and	and	CCONJ
fsr-3479	98	10	alternative	alternative	ADJ
fsr-3479	98	11	hypotheses	hypothesis	NOUN
fsr-3479	98	12	:	:	PUNCT
fsr-3479	98	13	h0	h0	NOUN
fsr-3479	98	14	:	:	PUNCT
fsr-3479	98	15	rias	rias	PROPN
fsr-3479	98	16	will	will	AUX
fsr-3479	98	17	not	not	PART
fsr-3479	98	18	have	have	VERB
fsr-3479	98	19	significantly	significantly	ADV
fsr-3479	98	20	different	different	ADJ
fsr-3479	98	21	net	net	ADJ
fsr-3479	98	22	returns	return	NOUN
fsr-3479	98	23	than	than	ADP
fsr-3479	98	24	ibds	ibds	NOUN
fsr-3479	98	25	.	.	PUNCT
fsr-3479	99	1	h1	h1	PROPN
fsr-3479	99	2	:	:	PUNCT
fsr-3479	100	1	rias	rias	PROPN
fsr-3479	100	2	will	will	AUX
fsr-3479	100	3	have	have	VERB
fsr-3479	100	4	higher	high	ADJ
fsr-3479	100	5	net	net	ADJ
fsr-3479	100	6	returns	return	NOUN
fsr-3479	100	7	compared	compare	VERB
fsr-3479	100	8	with	with	ADP
fsr-3479	100	9	ibds	ibds	NOUN
fsr-3479	100	10	,	,	PUNCT
fsr-3479	100	11	regardless	regardless	ADV
fsr-3479	100	12	of	of	ADP
fsr-3479	100	13	portfolio	portfolio	NOUN
fsr-3479	100	14	management	management	NOUN
fsr-3479	100	15	approach	approach	NOUN
fsr-3479	100	16	.	.	PUNCT
fsr-3479	101	1	clt	clt	PROPN
fsr-3479	101	2	serves	serve	VERB
fsr-3479	101	3	as	as	ADP
fsr-3479	101	4	the	the	DET
fsr-3479	101	5	main	main	ADJ
fsr-3479	101	6	justification	justification	NOUN
fsr-3479	101	7	for	for	ADP
fsr-3479	101	8	the	the	DET
fsr-3479	101	9	hypothesis	hypothesis	NOUN
fsr-3479	101	10	that	that	PRON
fsr-3479	101	11	rias	rias	PROPN
fsr-3479	101	12	will	will	AUX
fsr-3479	101	13	outperform	outperform	VERB
fsr-3479	101	14	ibds	ibds	NOUN
fsr-3479	101	15	.	.	PUNCT
fsr-3479	102	1	the	the	DET
fsr-3479	102	2	activity	activity	NOUN
fsr-3479	102	3	of	of	ADP
fsr-3479	102	4	investment	investment	NOUN
fsr-3479	102	5	portfolio	portfolio	NOUN
fsr-3479	102	6	creation	creation	NOUN
fsr-3479	102	7	and	and	CCONJ
fsr-3479	102	8	management	management	NOUN
fsr-3479	102	9	is	be	AUX
fsr-3479	102	10	akin	akin	ADJ
fsr-3479	102	11	to	to	ADP
fsr-3479	102	12	a	a	DET
fsr-3479	102	13	problem	problem	NOUN
fsr-3479	102	14	-	-	PUNCT
fsr-3479	102	15	solving	solve	VERB
fsr-3479	102	16	exercise	exercise	NOUN
fsr-3479	102	17	.	.	PUNCT
fsr-3479	103	1	modern	modern	ADJ
fsr-3479	103	2	portfolio	portfolio	NOUN
fsr-3479	103	3	theory	theory	NOUN
fsr-3479	103	4	(	(	PUNCT
fsr-3479	103	5	mpt	mpt	PROPN
fsr-3479	103	6	)	)	PUNCT
fsr-3479	103	7	states	state	VERB
fsr-3479	103	8	that	that	SCONJ
fsr-3479	103	9	portfolios	portfolio	NOUN
fsr-3479	103	10	are	be	AUX
fsr-3479	103	11	created	create	VERB
fsr-3479	103	12	such	such	ADJ
fsr-3479	103	13	that	that	SCONJ
fsr-3479	103	14	expected	expect	VERB
fsr-3479	103	15	return	return	NOUN
fsr-3479	103	16	is	be	AUX
fsr-3479	103	17	maximized	maximize	VERB
fsr-3479	103	18	for	for	ADP
fsr-3479	103	19	a	a	DET
fsr-3479	103	20	given	give	VERB
fsr-3479	103	21	level	level	NOUN
fsr-3479	103	22	of	of	ADP
fsr-3479	103	23	risk	risk	NOUN
fsr-3479	103	24	.	.	PUNCT
fsr-3479	104	1	each	each	DET
fsr-3479	104	2	asset	asset	NOUN
fsr-3479	104	3	should	should	AUX
fsr-3479	104	4	be	be	AUX
fsr-3479	104	5	assessed	assess	VERB
fsr-3479	104	6	based	base	VERB
fsr-3479	104	7	on	on	ADP
fsr-3479	104	8	its	its	PRON
fsr-3479	104	9	individual	individual	ADJ
fsr-3479	104	10	risk	risk	NOUN
fsr-3479	104	11	and	and	CCONJ
fsr-3479	104	12	return	return	VERB
fsr-3479	104	13	characteristics	characteristic	NOUN
fsr-3479	104	14	and	and	CCONJ
fsr-3479	104	15	how	how	SCONJ
fsr-3479	104	16	that	that	DET
fsr-3479	104	17	asset	asset	NOUN
fsr-3479	104	18	contributes	contribute	VERB
fsr-3479	104	19	to	to	ADP
fsr-3479	104	20	the	the	DET
fsr-3479	104	21	overall	overall	ADJ
fsr-3479	104	22	portfolio	portfolio	NOUN
fsr-3479	104	23	’s	’s	PART
fsr-3479	104	24	risk	risk	NOUN
fsr-3479	104	25	and	and	CCONJ
fsr-3479	104	26	return	return	VERB
fsr-3479	104	27	,	,	PUNCT
fsr-3479	104	28	emphasizing	emphasize	VERB
fsr-3479	104	29	the	the	DET
fsr-3479	104	30	importance	importance	NOUN
fsr-3479	104	31	of	of	ADP
fsr-3479	104	32	the	the	DET
fsr-3479	104	33	correlations	correlation	NOUN
fsr-3479	104	34	between	between	ADP
fsr-3479	104	35	the	the	DET
fsr-3479	104	36	assets	asset	NOUN
fsr-3479	104	37	within	within	ADP
fsr-3479	104	38	the	the	DET
fsr-3479	104	39	portfolio	portfolio	NOUN
fsr-3479	104	40	(	(	PUNCT
fsr-3479	104	41	markowitz	markowitz	PROPN
fsr-3479	104	42	,	,	PUNCT
fsr-3479	104	43	1952	1952	NUM
fsr-3479	104	44	)	)	PUNCT
fsr-3479	104	45	.	.	PUNCT
fsr-3479	105	1	due	due	ADP
fsr-3479	105	2	to	to	ADP
fsr-3479	105	3	the	the	DET
fsr-3479	105	4	high	high	ADJ
fsr-3479	105	5	levels	level	NOUN
fsr-3479	105	6	of	of	ADP
fsr-3479	105	7	elemental	elemental	ADJ
fsr-3479	105	8	interactivity	interactivity	NOUN
fsr-3479	105	9	when	when	SCONJ
fsr-3479	105	10	engaging	engage	VERB
fsr-3479	105	11	in	in	ADP
fsr-3479	105	12	portfolio	portfolio	NOUN
fsr-3479	105	13	construction	construction	NOUN
fsr-3479	105	14	and	and	CCONJ
fsr-3479	105	15	management	management	NOUN
fsr-3479	105	16	,	,	PUNCT
fsr-3479	105	17	the	the	DET
fsr-3479	105	18	intrinsic	intrinsic	ADJ
fsr-3479	105	19	cognitive	cognitive	ADJ
fsr-3479	105	20	load	load	NOUN
fsr-3479	105	21	placed	place	VERB
fsr-3479	105	22	on	on	ADP
fsr-3479	105	23	an	an	DET
fsr-3479	105	24	advisor	advisor	NOUN
fsr-3479	105	25	is	be	AUX
fsr-3479	105	26	high	high	ADJ
fsr-3479	105	27	,	,	PUNCT
fsr-3479	105	28	requiring	require	VERB
fsr-3479	105	29	significant	significant	ADJ
fsr-3479	105	30	working	working	NOUN
fsr-3479	105	31	memory	memory	NOUN
fsr-3479	105	32	capacity	capacity	NOUN
fsr-3479	105	33	.	.	PUNCT
fsr-3479	106	1	because	because	SCONJ
fsr-3479	106	2	working	working	NOUN
fsr-3479	106	3	memory	memory	NOUN
fsr-3479	106	4	capacity	capacity	NOUN
fsr-3479	106	5	is	be	AUX
fsr-3479	106	6	limited	limit	VERB
fsr-3479	106	7	,	,	PUNCT
fsr-3479	106	8	the	the	DET
fsr-3479	106	9	potential	potential	ADJ
fsr-3479	106	10	addition	addition	NOUN
fsr-3479	106	11	of	of	ADP
fsr-3479	106	12	extraneous	extraneous	ADJ
fsr-3479	106	13	cognitive	cognitive	ADJ
fsr-3479	106	14	load	load	NOUN
fsr-3479	106	15	from	from	ADP
fsr-3479	106	16	the	the	DET
fsr-3479	106	17	compensation	compensation	NOUN
fsr-3479	106	18	puzzle	puzzle	NOUN
fsr-3479	106	19	could	could	AUX
fsr-3479	106	20	lead	lead	VERB
fsr-3479	106	21	to	to	ADP
fsr-3479	106	22	working	working	NOUN
fsr-3479	106	23	memory	memory	NOUN
fsr-3479	106	24	capacity	capacity	NOUN
fsr-3479	106	25	being	be	AUX
fsr-3479	106	26	exceeded	exceed	VERB
fsr-3479	106	27	and	and	CCONJ
fsr-3479	106	28	therefore	therefore	ADV
fsr-3479	106	29	,	,	PUNCT
fsr-3479	106	30	a	a	DET
fsr-3479	106	31	reduced	reduce	VERB
fsr-3479	106	32	effectiveness	effectiveness	NOUN
fsr-3479	106	33	in	in	ADP
fsr-3479	106	34	investment	investment	NOUN
fsr-3479	106	35	management	management	NOUN
fsr-3479	106	36	.	.	PUNCT
fsr-3479	107	1	fig	fig	NOUN
fsr-3479	107	2	.	.	PUNCT
fsr-3479	108	1	1	1	NUM
fsr-3479	108	2	provide	provide	VERB
fsr-3479	108	3	a	a	DET
fsr-3479	108	4	graphical	graphical	ADJ
fsr-3479	108	5	representation	representation	NOUN
fsr-3479	108	6	of	of	ADP
fsr-3479	108	7	the	the	DET
fsr-3479	108	8	compensation	compensation	NOUN
fsr-3479	108	9	puzzle	puzzle	NOUN
fsr-3479	108	10	and	and	CCONJ
fsr-3479	108	11	how	how	SCONJ
fsr-3479	108	12	it	it	PRON
fsr-3479	108	13	relates	relate	VERB
fsr-3479	108	14	to	to	ADP
fsr-3479	108	15	the	the	DET
fsr-3479	108	16	cognitive	cognitive	ADJ
fsr-3479	108	17	load	load	NOUN
fsr-3479	108	18	and	and	CCONJ
fsr-3479	108	19	working	working	NOUN
fsr-3479	108	20	memory	memory	NOUN
fsr-3479	108	21	capacity	capacity	NOUN
fsr-3479	108	22	of	of	ADP
fsr-3479	108	23	advisors	advisor	NOUN
fsr-3479	108	24	at	at	ADP
fsr-3479	108	25	rias	rias	PROPN
fsr-3479	108	26	and	and	CCONJ
fsr-3479	108	27	ibds	ibds	NOUN
fsr-3479	108	28	.	.	PUNCT
fsr-3479	109	1	2	2	X
fsr-3479	109	2	.	.	X
fsr-3479	109	3	method	method	PROPN
fsr-3479	109	4	2.1	2.1	NUM
fsr-3479	109	5	.	.	PUNCT
fsr-3479	110	1	data	datum	NOUN
fsr-3479	110	2	data	datum	NOUN
fsr-3479	110	3	were	be	AUX
fsr-3479	110	4	obtained	obtain	VERB
fsr-3479	110	5	through	through	ADP
fsr-3479	110	6	the	the	DET
fsr-3479	110	7	generosity	generosity	NOUN
fsr-3479	110	8	of	of	ADP
fsr-3479	110	9	a	a	DET
fsr-3479	110	10	large	large	ADJ
fsr-3479	110	11	,	,	PUNCT
fsr-3479	110	12	anonymous	anonymous	ADJ
fsr-3479	110	13	investment	investment	NOUN
fsr-3479	110	14	advisory	advisory	ADJ
fsr-3479	110	15	platform	platform	NOUN
fsr-3479	110	16	.	.	PUNCT
fsr-3479	111	1	this	this	DET
fsr-3479	111	2	platform	platform	NOUN
fsr-3479	111	3	provides	provide	VERB
fsr-3479	111	4	a	a	DET
fsr-3479	111	5	uniform	uniform	ADJ
fsr-3479	111	6	tool	tool	NOUN
fsr-3479	111	7	that	that	PRON
fsr-3479	111	8	delivers	deliver	VERB
fsr-3479	111	9	advisor	advisor	NOUN
fsr-3479	111	10	managed	manage	VERB
fsr-3479	111	11	portfolios	portfolio	NOUN
fsr-3479	111	12	fig	fig	NOUN
fsr-3479	111	13	.	.	PUNCT
fsr-3479	112	1	1	1	X
fsr-3479	112	2	.	.	X
fsr-3479	112	3	representation	representation	NOUN
fsr-3479	112	4	of	of	ADP
fsr-3479	112	5	the	the	DET
fsr-3479	112	6	cognitive	cognitive	ADJ
fsr-3479	112	7	load	load	NOUN
fsr-3479	112	8	and	and	CCONJ
fsr-3479	112	9	working	working	NOUN
fsr-3479	112	10	memory	memory	NOUN
fsr-3479	112	11	capacity	capacity	NOUN
fsr-3479	112	12	faced	face	VERB
fsr-3479	112	13	by	by	ADP
fsr-3479	112	14	advisors	advisor	NOUN
fsr-3479	112	15	at	at	ADP
fsr-3479	112	16	ria	ria	PROPN
fsr-3479	112	17	and	and	CCONJ
fsr-3479	112	18	ibd	ibd	PROPN
fsr-3479	112	19	firms	firm	NOUN
fsr-3479	112	20	.	.	PUNCT
fsr-3479	113	1	150	150	NUM
fsr-3479	113	2	j.	j.	PROPN
fsr-3479	113	3	e.	e.	PROPN
fsr-3479	113	4	heller	heller	PROPN
fsr-3479	113	5	et	et	PROPN
fsr-3479	113	6	al	al	PROPN
fsr-3479	113	7	.	.	PUNCT
fsr-3479	113	8	/	/	SYM
fsr-3479	113	9	financial	financial	ADJ
fsr-3479	113	10	services	service	NOUN
fsr-3479	113	11	review	review	VERB
fsr-3479	113	12	30	30	NUM
fsr-3479	113	13	(	(	PUNCT
fsr-3479	113	14	2022	2022	NUM
fsr-3479	113	15	)	)	PUNCT
fsr-3479	114	1	145–164	145–164	NUM
fsr-3479	114	2	(	(	PUNCT
fsr-3479	114	3	amp	amp	PROPN
fsr-3479	114	4	)	)	PUNCT
fsr-3479	114	5	,	,	PUNCT
fsr-3479	114	6	unified	unify	VERB
fsr-3479	114	7	managed	manage	VERB
fsr-3479	114	8	accounts	account	NOUN
fsr-3479	114	9	(	(	PUNCT
fsr-3479	114	10	uma	uma	PROPN
fsr-3479	114	11	)	)	PUNCT
fsr-3479	114	12	,	,	PUNCT
fsr-3479	114	13	as	as	ADV
fsr-3479	114	14	well	well	ADV
fsr-3479	114	15	as	as	ADP
fsr-3479	114	16	turnkey	turnkey	NOUN
fsr-3479	114	17	asset	asset	NOUN
fsr-3479	114	18	management	management	NOUN
fsr-3479	114	19	programs	program	NOUN
fsr-3479	114	20	(	(	PUNCT
fsr-3479	114	21	tamp	tamp	NOUN
fsr-3479	114	22	)	)	PUNCT
fsr-3479	114	23	.	.	PUNCT
fsr-3479	115	1	they	they	PRON
fsr-3479	115	2	serve	serve	VERB
fsr-3479	115	3	independent	independent	ADJ
fsr-3479	115	4	ria	ria	PROPN
fsr-3479	115	5	firms	firm	NOUN
fsr-3479	115	6	,	,	PUNCT
fsr-3479	115	7	ibds	ibds	NOUN
fsr-3479	115	8	,	,	PUNCT
fsr-3479	115	9	insurance	insurance	NOUN
fsr-3479	115	10	broker	broker	NOUN
fsr-3479	115	11	/	/	SYM
fsr-3479	115	12	dealers	dealer	NOUN
fsr-3479	115	13	,	,	PUNCT
fsr-3479	115	14	banks	bank	NOUN
fsr-3479	115	15	,	,	PUNCT
fsr-3479	115	16	and	and	CCONJ
fsr-3479	115	17	trust	trust	NOUN
fsr-3479	115	18	companies	company	NOUN
fsr-3479	115	19	.	.	PUNCT
fsr-3479	116	1	for	for	ADP
fsr-3479	116	2	purposes	purpose	NOUN
fsr-3479	116	3	of	of	ADP
fsr-3479	116	4	this	this	DET
fsr-3479	116	5	study	study	NOUN
fsr-3479	116	6	,	,	PUNCT
fsr-3479	116	7	banks	bank	NOUN
fsr-3479	116	8	and	and	CCONJ
fsr-3479	116	9	trust	trust	NOUN
fsr-3479	116	10	companies	company	NOUN
fsr-3479	116	11	were	be	AUX
fsr-3479	116	12	excluded	exclude	VERB
fsr-3479	116	13	due	due	ADP
fsr-3479	116	14	to	to	ADP
fsr-3479	116	15	the	the	DET
fsr-3479	116	16	nature	nature	NOUN
fsr-3479	116	17	of	of	ADP
fsr-3479	116	18	their	their	PRON
fsr-3479	116	19	product	product	NOUN
fsr-3479	116	20	and	and	CCONJ
fsr-3479	116	21	service	service	NOUN
fsr-3479	116	22	offerings	offering	NOUN
fsr-3479	116	23	.	.	PUNCT
fsr-3479	117	1	banks	bank	NOUN
fsr-3479	117	2	and	and	CCONJ
fsr-3479	117	3	trust	trust	NOUN
fsr-3479	117	4	companies	company	NOUN
fsr-3479	117	5	offer	offer	VERB
fsr-3479	117	6	ancillary	ancillary	ADJ
fsr-3479	117	7	products	product	NOUN
fsr-3479	117	8	and	and	CCONJ
fsr-3479	117	9	services	service	NOUN
fsr-3479	117	10	that	that	PRON
fsr-3479	117	11	are	be	AUX
fsr-3479	117	12	outside	outside	ADP
fsr-3479	117	13	the	the	DET
fsr-3479	117	14	focus	focus	NOUN
fsr-3479	117	15	of	of	ADP
fsr-3479	117	16	investment	investment	NOUN
fsr-3479	117	17	management	management	NOUN
fsr-3479	117	18	,	,	PUNCT
fsr-3479	117	19	and	and	CCONJ
fsr-3479	117	20	such	such	ADJ
fsr-3479	117	21	offerings	offering	NOUN
fsr-3479	117	22	could	could	AUX
fsr-3479	117	23	influence	influence	VERB
fsr-3479	117	24	the	the	DET
fsr-3479	117	25	results	result	NOUN
fsr-3479	117	26	.	.	PUNCT
fsr-3479	118	1	insurance	insurance	NOUN
fsr-3479	118	2	broker	broker	PROPN
fsr-3479	118	3	/	/	SYM
fsr-3479	118	4	dealers	dealer	NOUN
fsr-3479	118	5	were	be	AUX
fsr-3479	118	6	combined	combine	VERB
fsr-3479	118	7	with	with	ADP
fsr-3479	118	8	ibds	ibds	NOUN
fsr-3479	118	9	and	and	CCONJ
fsr-3479	118	10	referred	refer	VERB
fsr-3479	118	11	to	to	PART
fsr-3479	118	12	collectively	collectively	ADV
fsr-3479	118	13	as	as	ADP
fsr-3479	118	14	ibds	ibds	NOUN
fsr-3479	118	15	because	because	SCONJ
fsr-3479	118	16	their	their	PRON
fsr-3479	118	17	dual	dual	ADJ
fsr-3479	118	18	registration	registration	NOUN
fsr-3479	118	19	as	as	SCONJ
fsr-3479	118	20	fee	fee	NOUN
fsr-3479	118	21	-	-	PUNCT
fsr-3479	118	22	for	for	ADP
fsr-3479	118	23	-	-	PUNCT
fsr-3479	118	24	service	service	NOUN
fsr-3479	118	25	and	and	CCONJ
fsr-3479	118	26	commission	commission	NOUN
fsr-3479	118	27	-	-	PUNCT
fsr-3479	118	28	based	base	VERB
fsr-3479	118	29	advisors	advisor	NOUN
fsr-3479	118	30	are	be	AUX
fsr-3479	118	31	quite	quite	ADV
fsr-3479	118	32	similar	similar	ADJ
fsr-3479	118	33	for	for	ADP
fsr-3479	118	34	the	the	DET
fsr-3479	118	35	two	two	NUM
fsr-3479	118	36	distribution	distribution	NOUN
fsr-3479	118	37	channels	channel	NOUN
fsr-3479	118	38	.	.	PUNCT
fsr-3479	119	1	all	all	DET
fsr-3479	119	2	advisors	advisor	NOUN
fsr-3479	119	3	at	at	ADP
fsr-3479	119	4	the	the	DET
fsr-3479	119	5	ria	ria	PROPN
fsr-3479	119	6	and	and	CCONJ
fsr-3479	119	7	ibd	ibd	PROPN
fsr-3479	119	8	firms	firm	NOUN
fsr-3479	119	9	in	in	ADP
fsr-3479	119	10	this	this	DET
fsr-3479	119	11	study	study	NOUN
fsr-3479	119	12	receive	receive	VERB
fsr-3479	119	13	fee	fee	NOUN
fsr-3479	119	14	-	-	PUNCT
fsr-3479	119	15	based	base	VERB
fsr-3479	119	16	compensation	compensation	NOUN
fsr-3479	119	17	for	for	ADP
fsr-3479	119	18	the	the	DET
fsr-3479	119	19	portfolios	portfolio	NOUN
fsr-3479	119	20	included	include	VERB
fsr-3479	119	21	in	in	ADP
fsr-3479	119	22	our	our	PRON
fsr-3479	119	23	analysis	analysis	NOUN
fsr-3479	119	24	that	that	SCONJ
fsr-3479	119	25	they	they	PRON
fsr-3479	119	26	manage	manage	VERB
fsr-3479	119	27	.	.	PUNCT
fsr-3479	120	1	in	in	ADP
fsr-3479	120	2	other	other	ADJ
fsr-3479	120	3	words	word	NOUN
fsr-3479	120	4	,	,	PUNCT
fsr-3479	120	5	ibds	ibds	NOUN
fsr-3479	120	6	advisors	advisor	NOUN
fsr-3479	120	7	in	in	ADP
fsr-3479	120	8	this	this	DET
fsr-3479	120	9	study	study	NOUN
fsr-3479	120	10	have	have	AUX
fsr-3479	120	11	decided	decide	VERB
fsr-3479	120	12	to	to	PART
fsr-3479	120	13	place	place	VERB
fsr-3479	120	14	their	their	PRON
fsr-3479	120	15	clients	client	NOUN
fsr-3479	120	16	’	’	PART
fsr-3479	120	17	assets	asset	NOUN
fsr-3479	120	18	into	into	ADP
fsr-3479	120	19	fee	fee	NOUN
fsr-3479	120	20	-	-	PUNCT
fsr-3479	120	21	based	base	VERB
fsr-3479	120	22	models	model	NOUN
fsr-3479	120	23	similar	similar	ADJ
fsr-3479	120	24	to	to	ADP
fsr-3479	120	25	those	those	PRON
fsr-3479	120	26	used	use	VERB
fsr-3479	120	27	by	by	ADP
fsr-3479	120	28	rias	rias	PROPN
fsr-3479	120	29	rather	rather	ADV
fsr-3479	120	30	than	than	ADP
fsr-3479	120	31	to	to	PART
fsr-3479	120	32	place	place	VERB
fsr-3479	120	33	them	they	PRON
fsr-3479	120	34	into	into	ADP
fsr-3479	120	35	commission	commission	NOUN
fsr-3479	120	36	-	-	PUNCT
fsr-3479	120	37	based	base	VERB
fsr-3479	120	38	products	product	NOUN
fsr-3479	120	39	.	.	PUNCT
fsr-3479	121	1	amp	amp	PROPN
fsr-3479	121	2	are	be	AUX
fsr-3479	121	3	investment	investment	NOUN
fsr-3479	121	4	portfolios	portfolio	NOUN
fsr-3479	121	5	where	where	SCONJ
fsr-3479	121	6	the	the	DET
fsr-3479	121	7	advisor	advisor	NOUN
fsr-3479	121	8	maintains	maintain	VERB
fsr-3479	121	9	the	the	DET
fsr-3479	121	10	responsibilities	responsibility	NOUN
fsr-3479	121	11	for	for	ADP
fsr-3479	121	12	the	the	DET
fsr-3479	121	13	day	day	NOUN
fsr-3479	121	14	-	-	PUNCT
fsr-3479	121	15	to	to	ADP
fsr-3479	121	16	-	-	PUNCT
fsr-3479	121	17	day	day	NOUN
fsr-3479	121	18	investment	investment	NOUN
fsr-3479	121	19	management	management	NOUN
fsr-3479	121	20	process	process	NOUN
fsr-3479	121	21	,	,	PUNCT
fsr-3479	121	22	including	include	VERB
fsr-3479	121	23	formulating	formulate	VERB
fsr-3479	121	24	an	an	DET
fsr-3479	121	25	investment	investment	NOUN
fsr-3479	121	26	strategy	strategy	NOUN
fsr-3479	121	27	and	and	CCONJ
fsr-3479	121	28	asset	asset	NOUN
fsr-3479	121	29	allocation	allocation	NOUN
fsr-3479	121	30	,	,	PUNCT
fsr-3479	121	31	conducing	conduce	VERB
fsr-3479	121	32	due	due	ADJ
fsr-3479	121	33	diligence	diligence	NOUN
fsr-3479	121	34	on	on	ADP
fsr-3479	121	35	the	the	DET
fsr-3479	121	36	individual	individual	ADJ
fsr-3479	121	37	investments	investment	NOUN
fsr-3479	121	38	,	,	PUNCT
fsr-3479	121	39	implementing	implement	VERB
fsr-3479	121	40	the	the	DET
fsr-3479	121	41	strategy	strategy	NOUN
fsr-3479	121	42	,	,	PUNCT
fsr-3479	121	43	and	and	CCONJ
fsr-3479	121	44	monitoring	monitor	VERB
fsr-3479	121	45	the	the	DET
fsr-3479	121	46	portfolio	portfolio	NOUN
fsr-3479	121	47	and	and	CCONJ
fsr-3479	121	48	its	its	PRON
fsr-3479	121	49	component	component	NOUN
fsr-3479	121	50	parts	part	NOUN
fsr-3479	121	51	.	.	PUNCT
fsr-3479	122	1	amp	amp	PROPN
fsr-3479	122	2	can	can	AUX
fsr-3479	122	3	contain	contain	VERB
fsr-3479	122	4	only	only	ADV
fsr-3479	122	5	individual	individual	ADJ
fsr-3479	122	6	securities	security	NOUN
fsr-3479	122	7	,	,	PUNCT
fsr-3479	122	8	mutual	mutual	ADJ
fsr-3479	122	9	funds	fund	NOUN
fsr-3479	122	10	,	,	PUNCT
fsr-3479	122	11	and/or	and/or	CCONJ
fsr-3479	122	12	exchange	exchange	NOUN
fsr-3479	122	13	-	-	PUNCT
fsr-3479	122	14	traded	trade	VERB
fsr-3479	122	15	funds	fund	NOUN
fsr-3479	122	16	(	(	PUNCT
fsr-3479	122	17	etfs	etfs	PROPN
fsr-3479	122	18	)	)	PUNCT
fsr-3479	122	19	.	.	PUNCT
fsr-3479	123	1	the	the	DET
fsr-3479	123	2	amp	amp	PROPN
fsr-3479	123	3	data	data	PROPN
fsr-3479	123	4	contains	contain	VERB
fsr-3479	123	5	1,585	1,585	NUM
fsr-3479	123	6	records	record	NOUN
fsr-3479	123	7	for	for	ADP
fsr-3479	123	8	amps	amp	NOUN
fsr-3479	123	9	for	for	ADP
fsr-3479	123	10	the	the	DET
fsr-3479	123	11	one	one	NUM
fsr-3479	123	12	-	-	PUNCT
fsr-3479	123	13	year	year	NOUN
fsr-3479	123	14	time	time	NOUN
fsr-3479	123	15	period	period	NOUN
fsr-3479	123	16	,	,	PUNCT
fsr-3479	123	17	1,151	1,151	NUM
fsr-3479	123	18	records	record	NOUN
fsr-3479	123	19	for	for	ADP
fsr-3479	123	20	the	the	DET
fsr-3479	123	21	threeyear	threeyear	NOUN
fsr-3479	123	22	time	time	NOUN
fsr-3479	123	23	period	period	NOUN
fsr-3479	123	24	,	,	PUNCT
fsr-3479	123	25	and	and	CCONJ
fsr-3479	123	26	858	858	NUM
fsr-3479	123	27	records	record	NOUN
fsr-3479	123	28	for	for	ADP
fsr-3479	123	29	the	the	DET
fsr-3479	123	30	five	five	NUM
fsr-3479	123	31	-	-	PUNCT
fsr-3479	123	32	year	year	NOUN
fsr-3479	123	33	time	time	NOUN
fsr-3479	123	34	period	period	NOUN
fsr-3479	123	35	.	.	PUNCT
fsr-3479	124	1	tamp	tamp	PROPN
fsr-3479	124	2	are	be	AUX
fsr-3479	124	3	investment	investment	NOUN
fsr-3479	124	4	portfolios	portfolio	NOUN
fsr-3479	124	5	where	where	SCONJ
fsr-3479	124	6	the	the	DET
fsr-3479	124	7	day	day	NOUN
fsr-3479	124	8	-	-	PUNCT
fsr-3479	124	9	to	to	ADP
fsr-3479	124	10	-	-	PUNCT
fsr-3479	124	11	day	day	NOUN
fsr-3479	124	12	investment	investment	NOUN
fsr-3479	124	13	management	management	NOUN
fsr-3479	124	14	process	process	NOUN
fsr-3479	124	15	is	be	AUX
fsr-3479	124	16	completely	completely	ADV
fsr-3479	124	17	handled	handle	VERB
fsr-3479	124	18	by	by	ADP
fsr-3479	124	19	a	a	DET
fsr-3479	124	20	third	third	ADJ
fsr-3479	124	21	-	-	PUNCT
fsr-3479	124	22	party	party	NOUN
fsr-3479	124	23	investment	investment	NOUN
fsr-3479	124	24	service	service	NOUN
fsr-3479	124	25	provider	provider	NOUN
fsr-3479	124	26	.	.	PUNCT
fsr-3479	125	1	benefits	benefit	NOUN
fsr-3479	125	2	of	of	ADP
fsr-3479	125	3	a	a	DET
fsr-3479	125	4	tamp	tamp	NOUN
fsr-3479	125	5	include	include	VERB
fsr-3479	125	6	outsourcing	outsource	VERB
fsr-3479	125	7	time	time	NOUN
fsr-3479	125	8	-	-	PUNCT
fsr-3479	125	9	consuming	consume	VERB
fsr-3479	125	10	activities	activity	NOUN
fsr-3479	125	11	such	such	ADJ
fsr-3479	125	12	as	as	ADP
fsr-3479	125	13	investment	investment	NOUN
fsr-3479	125	14	research	research	NOUN
fsr-3479	125	15	,	,	PUNCT
fsr-3479	125	16	portfolio	portfolio	NOUN
fsr-3479	125	17	allocation	allocation	NOUN
fsr-3479	125	18	,	,	PUNCT
fsr-3479	125	19	and	and	CCONJ
fsr-3479	125	20	asset	asset	NOUN
fsr-3479	125	21	management	management	NOUN
fsr-3479	125	22	tasks	task	NOUN
fsr-3479	125	23	.	.	PUNCT
fsr-3479	126	1	a	a	DET
fsr-3479	126	2	drawback	drawback	NOUN
fsr-3479	126	3	of	of	ADP
fsr-3479	126	4	using	use	VERB
fsr-3479	126	5	tamps	tamp	NOUN
fsr-3479	126	6	is	be	AUX
fsr-3479	126	7	that	that	SCONJ
fsr-3479	126	8	the	the	DET
fsr-3479	126	9	originating	originate	VERB
fsr-3479	126	10	advisor	advisor	NOUN
fsr-3479	126	11	does	do	AUX
fsr-3479	126	12	not	not	PART
fsr-3479	126	13	have	have	VERB
fsr-3479	126	14	direct	direct	ADJ
fsr-3479	126	15	control	control	NOUN
fsr-3479	126	16	or	or	CCONJ
fsr-3479	126	17	input	input	NOUN
fsr-3479	126	18	into	into	ADP
fsr-3479	126	19	the	the	DET
fsr-3479	126	20	asset	asset	NOUN
fsr-3479	126	21	management	management	NOUN
fsr-3479	126	22	process	process	NOUN
fsr-3479	126	23	(	(	PUNCT
fsr-3479	126	24	kenton	kenton	PROPN
fsr-3479	126	25	,	,	PUNCT
fsr-3479	126	26	2018	2018	NUM
fsr-3479	126	27	)	)	PUNCT
fsr-3479	126	28	.	.	PUNCT
fsr-3479	127	1	the	the	DET
fsr-3479	127	2	tamp	tamp	NOUN
fsr-3479	127	3	contains	contain	VERB
fsr-3479	127	4	the	the	DET
fsr-3479	127	5	lowest	low	ADJ
fsr-3479	127	6	amount	amount	NOUN
fsr-3479	127	7	of	of	ADP
fsr-3479	127	8	advisor	advisor	NOUN
fsr-3479	127	9	responsibility	responsibility	NOUN
fsr-3479	127	10	for	for	ADP
fsr-3479	127	11	the	the	DET
fsr-3479	127	12	investment	investment	NOUN
fsr-3479	127	13	management	management	NOUN
fsr-3479	127	14	program	program	NOUN
fsr-3479	127	15	of	of	ADP
fsr-3479	127	16	the	the	DET
fsr-3479	127	17	three	three	NUM
fsr-3479	127	18	styles	style	NOUN
fsr-3479	127	19	studied	study	VERB
fsr-3479	127	20	.	.	PUNCT
fsr-3479	128	1	the	the	DET
fsr-3479	128	2	data	data	NOUN
fsr-3479	128	3	contains	contain	VERB
fsr-3479	128	4	3,789	3,789	NUM
fsr-3479	128	5	records	record	NOUN
fsr-3479	128	6	for	for	ADP
fsr-3479	128	7	tamps	tamp	NOUN
fsr-3479	128	8	for	for	ADP
fsr-3479	128	9	the	the	DET
fsr-3479	128	10	one	one	NUM
fsr-3479	128	11	-	-	PUNCT
fsr-3479	128	12	year	year	NOUN
fsr-3479	128	13	time	time	NOUN
fsr-3479	128	14	period	period	NOUN
fsr-3479	128	15	,	,	PUNCT
fsr-3479	128	16	3,132	3,132	NUM
fsr-3479	128	17	records	record	NOUN
fsr-3479	128	18	for	for	ADP
fsr-3479	128	19	the	the	DET
fsr-3479	128	20	three	three	NUM
fsr-3479	128	21	-	-	PUNCT
fsr-3479	128	22	year	year	NOUN
fsr-3479	128	23	time	time	NOUN
fsr-3479	128	24	period	period	NOUN
fsr-3479	128	25	,	,	PUNCT
fsr-3479	128	26	and	and	CCONJ
fsr-3479	128	27	2,434	2,434	NUM
fsr-3479	128	28	records	record	NOUN
fsr-3479	128	29	for	for	ADP
fsr-3479	128	30	the	the	DET
fsr-3479	128	31	five	five	NUM
fsr-3479	128	32	-	-	PUNCT
fsr-3479	128	33	year	year	NOUN
fsr-3479	128	34	time	time	NOUN
fsr-3479	128	35	period	period	NOUN
fsr-3479	128	36	.	.	PUNCT
fsr-3479	129	1	unified	unify	VERB
fsr-3479	129	2	managed	manage	VERB
fsr-3479	129	3	accounts	account	NOUN
fsr-3479	129	4	(	(	PUNCT
fsr-3479	129	5	uma	uma	PROPN
fsr-3479	129	6	)	)	PUNCT
fsr-3479	129	7	are	be	AUX
fsr-3479	129	8	investment	investment	NOUN
fsr-3479	129	9	portfolios	portfolio	NOUN
fsr-3479	129	10	that	that	PRON
fsr-3479	129	11	act	act	VERB
fsr-3479	129	12	as	as	ADP
fsr-3479	129	13	a	a	DET
fsr-3479	129	14	hybrid	hybrid	NOUN
fsr-3479	129	15	between	between	ADP
fsr-3479	129	16	amp	amp	NOUN
fsr-3479	129	17	and	and	CCONJ
fsr-3479	129	18	tamp	tamp	ADJ
fsr-3479	129	19	portfolios	portfolio	NOUN
fsr-3479	129	20	.	.	PUNCT
fsr-3479	130	1	under	under	ADP
fsr-3479	130	2	a	a	DET
fsr-3479	130	3	uma	uma	PROPN
fsr-3479	130	4	program	program	NOUN
fsr-3479	130	5	,	,	PUNCT
fsr-3479	130	6	an	an	DET
fsr-3479	130	7	advisor	advisor	NOUN
fsr-3479	130	8	has	have	VERB
fsr-3479	130	9	the	the	DET
fsr-3479	130	10	responsibility	responsibility	NOUN
fsr-3479	130	11	to	to	PART
fsr-3479	130	12	create	create	VERB
fsr-3479	130	13	a	a	DET
fsr-3479	130	14	high	high	ADJ
fsr-3479	130	15	-	-	PUNCT
fsr-3479	130	16	level	level	NOUN
fsr-3479	130	17	asset	asset	NOUN
fsr-3479	130	18	allocation	allocation	NOUN
fsr-3479	130	19	for	for	ADP
fsr-3479	130	20	a	a	DET
fsr-3479	130	21	portfolio	portfolio	NOUN
fsr-3479	130	22	as	as	ADV
fsr-3479	130	23	well	well	ADV
fsr-3479	130	24	as	as	ADP
fsr-3479	130	25	to	to	PART
fsr-3479	130	26	conduct	conduct	VERB
fsr-3479	130	27	the	the	DET
fsr-3479	130	28	due	due	ADJ
fsr-3479	130	29	diligence	diligence	NOUN
fsr-3479	130	30	on	on	ADP
fsr-3479	130	31	the	the	DET
fsr-3479	130	32	component	component	NOUN
fsr-3479	130	33	parts	part	NOUN
fsr-3479	130	34	of	of	ADP
fsr-3479	130	35	the	the	DET
fsr-3479	130	36	portfolio	portfolio	NOUN
fsr-3479	130	37	.	.	PUNCT
fsr-3479	131	1	the	the	DET
fsr-3479	131	2	advisor	advisor	NOUN
fsr-3479	131	3	is	be	AUX
fsr-3479	131	4	not	not	PART
fsr-3479	131	5	responsible	responsible	ADJ
fsr-3479	131	6	for	for	ADP
fsr-3479	131	7	rebalancing	rebalance	VERB
fsr-3479	131	8	the	the	DET
fsr-3479	131	9	portfolio	portfolio	NOUN
fsr-3479	131	10	like	like	SCONJ
fsr-3479	131	11	they	they	PRON
fsr-3479	131	12	would	would	AUX
fsr-3479	131	13	be	be	AUX
fsr-3479	131	14	in	in	ADP
fsr-3479	131	15	an	an	DET
fsr-3479	131	16	amp	amp	NOUN
fsr-3479	131	17	;	;	PUNCT
fsr-3479	131	18	rather	rather	ADV
fsr-3479	131	19	,	,	PUNCT
fsr-3479	131	20	these	these	DET
fsr-3479	131	21	duties	duty	NOUN
fsr-3479	131	22	are	be	AUX
fsr-3479	131	23	handled	handle	VERB
fsr-3479	131	24	by	by	ADP
fsr-3479	131	25	the	the	DET
fsr-3479	131	26	investment	investment	NOUN
fsr-3479	131	27	platform	platform	NOUN
fsr-3479	131	28	.	.	PUNCT
fsr-3479	132	1	uma	uma	PROPN
fsr-3479	132	2	portfolios	portfolio	NOUN
fsr-3479	132	3	do	do	AUX
fsr-3479	132	4	not	not	PART
fsr-3479	132	5	contain	contain	VERB
fsr-3479	132	6	individual	individual	ADJ
fsr-3479	132	7	securities	security	NOUN
fsr-3479	132	8	.	.	PUNCT
fsr-3479	133	1	instead	instead	ADV
fsr-3479	133	2	,	,	PUNCT
fsr-3479	133	3	they	they	PRON
fsr-3479	133	4	contain	contain	VERB
fsr-3479	133	5	mutual	mutual	ADJ
fsr-3479	133	6	funds	fund	NOUN
fsr-3479	133	7	,	,	PUNCT
fsr-3479	133	8	etfs	etfs	PROPN
fsr-3479	133	9	,	,	PUNCT
fsr-3479	133	10	tamps	tamp	NOUN
fsr-3479	133	11	,	,	PUNCT
fsr-3479	133	12	and	and	CCONJ
fsr-3479	133	13	separately	separately	ADV
fsr-3479	133	14	managed	manage	VERB
fsr-3479	133	15	accounts	account	NOUN
fsr-3479	133	16	(	(	PUNCT
fsr-3479	133	17	smas	sma	NOUN
fsr-3479	133	18	)	)	PUNCT
fsr-3479	133	19	.	.	PUNCT
fsr-3479	134	1	while	while	SCONJ
fsr-3479	134	2	the	the	DET
fsr-3479	134	3	advisor	advisor	NOUN
fsr-3479	134	4	’s	’s	PART
fsr-3479	134	5	overall	overall	ADJ
fsr-3479	134	6	responsibility	responsibility	NOUN
fsr-3479	134	7	is	be	AUX
fsr-3479	134	8	less	less	ADJ
fsr-3479	134	9	in	in	ADP
fsr-3479	134	10	the	the	DET
fsr-3479	134	11	uma	uma	PROPN
fsr-3479	134	12	program	program	NOUN
fsr-3479	134	13	compared	compare	VERB
fsr-3479	134	14	with	with	ADP
fsr-3479	134	15	the	the	DET
fsr-3479	134	16	amp	amp	NOUN
fsr-3479	134	17	,	,	PUNCT
fsr-3479	134	18	there	there	PRON
fsr-3479	134	19	are	be	VERB
fsr-3479	134	20	still	still	ADV
fsr-3479	134	21	day	day	NOUN
fsr-3479	134	22	-	-	PUNCT
fsr-3479	134	23	today	today	NOUN
fsr-3479	134	24	investment	investment	NOUN
fsr-3479	134	25	management	management	NOUN
fsr-3479	134	26	responsibilities	responsibility	NOUN
fsr-3479	134	27	.	.	PUNCT
fsr-3479	135	1	the	the	DET
fsr-3479	135	2	data	data	NOUN
fsr-3479	135	3	contains	contain	VERB
fsr-3479	135	4	1,484	1,484	NUM
fsr-3479	135	5	records	record	NOUN
fsr-3479	135	6	for	for	ADP
fsr-3479	135	7	umas	uma	NOUN
fsr-3479	135	8	for	for	ADP
fsr-3479	135	9	the	the	DET
fsr-3479	135	10	one	one	NUM
fsr-3479	135	11	-	-	PUNCT
fsr-3479	135	12	year	year	NOUN
fsr-3479	135	13	time	time	NOUN
fsr-3479	135	14	period	period	NOUN
fsr-3479	135	15	,	,	PUNCT
fsr-3479	135	16	1,163	1,163	NUM
fsr-3479	135	17	records	record	NOUN
fsr-3479	135	18	for	for	ADP
fsr-3479	135	19	the	the	DET
fsr-3479	135	20	three	three	NUM
fsr-3479	135	21	-	-	PUNCT
fsr-3479	135	22	year	year	NOUN
fsr-3479	135	23	time	time	NOUN
fsr-3479	135	24	period	period	NOUN
fsr-3479	135	25	,	,	PUNCT
fsr-3479	135	26	and	and	CCONJ
fsr-3479	135	27	857	857	NUM
fsr-3479	135	28	records	record	NOUN
fsr-3479	135	29	for	for	ADP
fsr-3479	135	30	the	the	DET
fsr-3479	135	31	five	five	NUM
fsr-3479	135	32	-	-	PUNCT
fsr-3479	135	33	year	year	NOUN
fsr-3479	135	34	time	time	NOUN
fsr-3479	135	35	period	period	NOUN
fsr-3479	135	36	.	.	PUNCT
fsr-3479	136	1	data	datum	NOUN
fsr-3479	136	2	were	be	AUX
fsr-3479	136	3	provided	provide	VERB
fsr-3479	136	4	on	on	ADP
fsr-3479	136	5	a	a	DET
fsr-3479	136	6	firm	firm	ADJ
fsr-3479	136	7	level	level	NOUN
fsr-3479	136	8	rather	rather	ADV
fsr-3479	136	9	than	than	ADP
fsr-3479	136	10	at	at	ADP
fsr-3479	136	11	the	the	DET
fsr-3479	136	12	account	account	NOUN
fsr-3479	136	13	or	or	CCONJ
fsr-3479	136	14	advisor	advisor	NOUN
fsr-3479	136	15	level	level	NOUN
fsr-3479	136	16	.	.	PUNCT
fsr-3479	137	1	for	for	ADP
fsr-3479	137	2	each	each	DET
fsr-3479	137	3	variable	variable	NOUN
fsr-3479	137	4	,	,	PUNCT
fsr-3479	137	5	the	the	DET
fsr-3479	137	6	average	average	ADJ
fsr-3479	137	7	value	value	NOUN
fsr-3479	137	8	for	for	ADP
fsr-3479	137	9	each	each	DET
fsr-3479	137	10	firm	firm	NOUN
fsr-3479	137	11	was	be	AUX
fsr-3479	137	12	provided	provide	VERB
fsr-3479	137	13	.	.	PUNCT
fsr-3479	138	1	for	for	ADP
fsr-3479	138	2	example	example	NOUN
fsr-3479	138	3	,	,	PUNCT
fsr-3479	138	4	the	the	DET
fsr-3479	138	5	one	one	NUM
fsr-3479	138	6	,	,	PUNCT
fsr-3479	138	7	three	three	NUM
fsr-3479	138	8	,	,	PUNCT
fsr-3479	138	9	and	and	CCONJ
fsr-3479	138	10	five	five	NUM
fsr-3479	138	11	-	-	PUNCT
fsr-3479	138	12	year	year	NOUN
fsr-3479	138	13	average	average	ADJ
fsr-3479	138	14	returns	return	NOUN
fsr-3479	138	15	per	per	ADP
fsr-3479	138	16	firm	firm	NOUN
fsr-3479	138	17	were	be	AUX
fsr-3479	138	18	provided	provide	VERB
fsr-3479	138	19	for	for	ADP
fsr-3479	138	20	rias	ria	NOUN
fsr-3479	138	21	and	and	CCONJ
fsr-3479	138	22	ibds	ibds	NOUN
fsr-3479	138	23	,	,	PUNCT
fsr-3479	138	24	for	for	ADP
fsr-3479	138	25	each	each	PRON
fsr-3479	138	26	of	of	ADP
fsr-3479	138	27	the	the	DET
fsr-3479	138	28	three	three	NUM
fsr-3479	138	29	portfolio	portfolio	NOUN
fsr-3479	138	30	management	management	NOUN
fsr-3479	138	31	approaches	approach	NOUN
fsr-3479	138	32	(	(	PUNCT
fsr-3479	138	33	i.e.	i.e.	X
fsr-3479	138	34	,	,	PUNCT
fsr-3479	138	35	amp	amp	PROPN
fsr-3479	138	36	,	,	PUNCT
fsr-3479	138	37	uma	uma	PROPN
fsr-3479	138	38	,	,	PUNCT
fsr-3479	138	39	and	and	CCONJ
fsr-3479	138	40	tamp	tamp	NOUN
fsr-3479	138	41	)	)	PUNCT
fsr-3479	138	42	and	and	CCONJ
fsr-3479	138	43	across	across	ADP
fsr-3479	138	44	the	the	DET
fsr-3479	138	45	risk	risk	NOUN
fsr-3479	138	46	tolerance	tolerance	NOUN
fsr-3479	138	47	categories	category	NOUN
fsr-3479	138	48	that	that	PRON
fsr-3479	138	49	the	the	DET
fsr-3479	138	50	platform	platform	NOUN
fsr-3479	138	51	uniformly	uniformly	ADV
fsr-3479	138	52	employs	employ	VERB
fsr-3479	138	53	.	.	PUNCT
fsr-3479	139	1	return	return	NOUN
fsr-3479	139	2	data	datum	NOUN
fsr-3479	139	3	were	be	AUX
fsr-3479	139	4	provided	provide	VERB
fsr-3479	139	5	for	for	ADP
fsr-3479	139	6	one	one	NUM
fsr-3479	139	7	,	,	PUNCT
fsr-3479	139	8	j.	j.	PROPN
fsr-3479	139	9	e.	e.	PROPN
fsr-3479	139	10	heller	heller	PROPN
fsr-3479	139	11	et	et	PROPN
fsr-3479	139	12	al	al	PROPN
fsr-3479	139	13	.	.	PUNCT
fsr-3479	139	14	/	/	SYM
fsr-3479	139	15	financial	financial	ADJ
fsr-3479	139	16	services	service	NOUN
fsr-3479	139	17	review	review	VERB
fsr-3479	139	18	30	30	NUM
fsr-3479	139	19	(	(	PUNCT
fsr-3479	139	20	2022	2022	NUM
fsr-3479	139	21	)	)	PUNCT
fsr-3479	140	1	145–164	145–164	NUM
fsr-3479	140	2	151	151	NUM
fsr-3479	140	3	three	three	NUM
fsr-3479	140	4	,	,	PUNCT
fsr-3479	140	5	and	and	CCONJ
fsr-3479	140	6	five	five	NUM
fsr-3479	140	7	-	-	PUNCT
fsr-3479	140	8	year	year	NOUN
fsr-3479	140	9	average	average	ADJ
fsr-3479	140	10	returns	return	NOUN
fsr-3479	140	11	for	for	ADP
fsr-3479	140	12	the	the	DET
fsr-3479	140	13	time	time	NOUN
fsr-3479	140	14	period	period	NOUN
fsr-3479	140	15	ending	end	VERB
fsr-3479	140	16	on	on	ADP
fsr-3479	140	17	july	july	PROPN
fsr-3479	140	18	31	31	NUM
fsr-3479	140	19	,	,	PUNCT
fsr-3479	140	20	2019	2019	NUM
fsr-3479	140	21	,	,	PUNCT
fsr-3479	140	22	which	which	PRON
fsr-3479	140	23	means	mean	VERB
fsr-3479	140	24	that	that	SCONJ
fsr-3479	140	25	the	the	DET
fsr-3479	140	26	five	five	NUM
fsr-3479	140	27	-	-	PUNCT
fsr-3479	140	28	year	year	NOUN
fsr-3479	140	29	average	average	ADJ
fsr-3479	140	30	return	return	NOUN
fsr-3479	140	31	data	datum	NOUN
fsr-3479	140	32	spanned	span	VERB
fsr-3479	140	33	august	august	PROPN
fsr-3479	140	34	1	1	NUM
fsr-3479	140	35	,	,	PUNCT
fsr-3479	140	36	2014	2014	NUM
fsr-3479	140	37	,	,	PUNCT
fsr-3479	140	38	to	to	ADP
fsr-3479	140	39	july	july	PROPN
fsr-3479	140	40	31	31	NUM
fsr-3479	140	41	,	,	PUNCT
fsr-3479	140	42	2019	2019	NUM
fsr-3479	140	43	.	.	PUNCT
fsr-3479	141	1	average	average	ADJ
fsr-3479	141	2	account	account	NOUN
fsr-3479	141	3	size	size	NOUN
fsr-3479	141	4	,	,	PUNCT
fsr-3479	141	5	advisory	advisory	ADJ
fsr-3479	141	6	fee	fee	NOUN
fsr-3479	141	7	,	,	PUNCT
fsr-3479	141	8	number	number	NOUN
fsr-3479	141	9	of	of	ADP
fsr-3479	141	10	accounts	account	NOUN
fsr-3479	141	11	,	,	PUNCT
fsr-3479	141	12	as	as	ADV
fsr-3479	141	13	well	well	ADV
fsr-3479	141	14	as	as	ADP
fsr-3479	141	15	number	number	NOUN
fsr-3479	141	16	of	of	ADP
fsr-3479	141	17	advisors	advisor	NOUN
fsr-3479	141	18	were	be	AUX
fsr-3479	141	19	provided	provide	VERB
fsr-3479	141	20	as	as	ADP
fsr-3479	141	21	of	of	ADP
fsr-3479	141	22	july	july	PROPN
fsr-3479	141	23	31	31	NUM
fsr-3479	141	24	,	,	PUNCT
fsr-3479	141	25	2019	2019	NUM
fsr-3479	141	26	.	.	PUNCT
fsr-3479	142	1	because	because	SCONJ
fsr-3479	142	2	the	the	DET
fsr-3479	142	3	data	datum	NOUN
fsr-3479	142	4	are	be	AUX
fsr-3479	142	5	as	as	ADP
fsr-3479	142	6	of	of	ADP
fsr-3479	142	7	a	a	DET
fsr-3479	142	8	single	single	ADJ
fsr-3479	142	9	point	point	NOUN
fsr-3479	142	10	in	in	ADP
fsr-3479	142	11	time	time	NOUN
fsr-3479	142	12	,	,	PUNCT
fsr-3479	142	13	time	time	NOUN
fsr-3479	142	14	series	series	NOUN
fsr-3479	142	15	analysis	analysis	NOUN
fsr-3479	142	16	was	be	AUX
fsr-3479	142	17	not	not	PART
fsr-3479	142	18	possible	possible	ADJ
fsr-3479	142	19	.	.	PUNCT
fsr-3479	143	1	firm	firm	ADJ
fsr-3479	143	2	-	-	PUNCT
fsr-3479	143	3	level	level	NOUN
fsr-3479	143	4	data	datum	NOUN
fsr-3479	143	5	were	be	AUX
fsr-3479	143	6	provided	provide	VERB
fsr-3479	143	7	to	to	PART
fsr-3479	143	8	protect	protect	VERB
fsr-3479	143	9	the	the	DET
fsr-3479	143	10	identities	identity	NOUN
fsr-3479	143	11	of	of	ADP
fsr-3479	143	12	the	the	DET
fsr-3479	143	13	individual	individual	ADJ
fsr-3479	143	14	advisors	advisor	NOUN
fsr-3479	143	15	,	,	PUNCT
fsr-3479	143	16	clients	client	NOUN
fsr-3479	143	17	,	,	PUNCT
fsr-3479	143	18	and	and	CCONJ
fsr-3479	143	19	firms	firm	NOUN
fsr-3479	143	20	that	that	PRON
fsr-3479	143	21	utilize	utilize	VERB
fsr-3479	143	22	the	the	DET
fsr-3479	143	23	investment	investment	NOUN
fsr-3479	143	24	advisory	advisory	ADJ
fsr-3479	143	25	platform	platform	NOUN
fsr-3479	143	26	as	as	ADP
fsr-3479	143	27	customers	customer	NOUN
fsr-3479	143	28	.	.	PUNCT
fsr-3479	144	1	the	the	DET
fsr-3479	144	2	data	datum	NOUN
fsr-3479	144	3	set	set	NOUN
fsr-3479	144	4	contains	contain	VERB
fsr-3479	144	5	a	a	DET
fsr-3479	144	6	total	total	NOUN
fsr-3479	144	7	of	of	ADP
fsr-3479	144	8	694	694	NUM
fsr-3479	144	9	registered	register	VERB
fsr-3479	144	10	investment	investment	NOUN
fsr-3479	144	11	advisory	advisory	ADJ
fsr-3479	144	12	firms	firm	NOUN
fsr-3479	144	13	and	and	CCONJ
fsr-3479	144	14	723	723	NUM
fsr-3479	144	15	independent	independent	ADJ
fsr-3479	144	16	broker	broker	NOUN
fsr-3479	144	17	/	/	SYM
fsr-3479	144	18	dealer	dealer	NOUN
fsr-3479	144	19	firms	firm	NOUN
fsr-3479	144	20	,	,	PUNCT
fsr-3479	144	21	although	although	SCONJ
fsr-3479	144	22	many	many	ADJ
fsr-3479	144	23	of	of	ADP
fsr-3479	144	24	these	these	DET
fsr-3479	144	25	firms	firm	NOUN
fsr-3479	144	26	have	have	VERB
fsr-3479	144	27	a	a	DET
fsr-3479	144	28	combination	combination	NOUN
fsr-3479	144	29	of	of	ADP
fsr-3479	144	30	amp	amp	PROPN
fsr-3479	144	31	,	,	PUNCT
fsr-3479	144	32	uma	uma	PROPN
fsr-3479	144	33	,	,	PUNCT
fsr-3479	144	34	and	and	CCONJ
fsr-3479	144	35	tamp	tamp	ADJ
fsr-3479	144	36	portfolios	portfolio	NOUN
fsr-3479	144	37	.	.	PUNCT
fsr-3479	145	1	2.2	2.2	NUM
fsr-3479	145	2	.	.	PUNCT
fsr-3479	145	3	empirical	empirical	ADJ
fsr-3479	145	4	model	model	NOUN
fsr-3479	145	5	the	the	DET
fsr-3479	145	6	following	follow	VERB
fsr-3479	145	7	ols	ol	NOUN
fsr-3479	145	8	regression	regression	NOUN
fsr-3479	145	9	model	model	NOUN
fsr-3479	145	10	is	be	AUX
fsr-3479	145	11	used	use	VERB
fsr-3479	145	12	to	to	PART
fsr-3479	145	13	test	test	VERB
fsr-3479	145	14	the	the	DET
fsr-3479	145	15	hypothesis	hypothesis	NOUN
fsr-3479	145	16	,	,	PUNCT
fsr-3479	145	17	if	if	SCONJ
fsr-3479	145	18	the	the	DET
fsr-3479	145	19	distribution	distribution	NOUN
fsr-3479	145	20	channel	channel	NOUN
fsr-3479	145	21	has	have	VERB
fsr-3479	145	22	a	a	DET
fsr-3479	145	23	significant	significant	ADJ
fsr-3479	145	24	relation	relation	NOUN
fsr-3479	145	25	with	with	ADP
fsr-3479	145	26	one	one	NUM
fsr-3479	145	27	,	,	PUNCT
fsr-3479	145	28	three	three	NUM
fsr-3479	145	29	,	,	PUNCT
fsr-3479	145	30	and	and	CCONJ
fsr-3479	145	31	five	five	NUM
fsr-3479	145	32	-	-	PUNCT
fsr-3479	145	33	year	year	NOUN
fsr-3479	145	34	average	average	ADJ
fsr-3479	145	35	performance	performance	NOUN
fsr-3479	145	36	across	across	ADP
fsr-3479	145	37	the	the	DET
fsr-3479	145	38	different	different	ADJ
fsr-3479	145	39	risk	risk	NOUN
fsr-3479	145	40	tolerance	tolerance	NOUN
fsr-3479	145	41	categories	category	NOUN
fsr-3479	145	42	regardless	regardless	ADV
fsr-3479	145	43	of	of	ADP
fsr-3479	145	44	the	the	DET
fsr-3479	145	45	portfolio	portfolio	NOUN
fsr-3479	145	46	management	management	NOUN
fsr-3479	145	47	approach	approach	NOUN
fsr-3479	145	48	(	(	PUNCT
fsr-3479	145	49	i.e.	i.e.	X
fsr-3479	145	50	,	,	PUNCT
fsr-3479	145	51	amp	amp	PROPN
fsr-3479	145	52	,	,	PUNCT
fsr-3479	145	53	uma	uma	PROPN
fsr-3479	145	54	,	,	PUNCT
fsr-3479	145	55	or	or	CCONJ
fsr-3479	145	56	tamp	tamp	NOUN
fsr-3479	145	57	)	)	PUNCT
fsr-3479	145	58	.	.	PUNCT
fsr-3479	146	1	the	the	DET
fsr-3479	146	2	empirical	empirical	ADJ
fsr-3479	146	3	model	model	NOUN
fsr-3479	146	4	is	be	AUX
fsr-3479	146	5	run	run	VERB
fsr-3479	146	6	separately	separately	ADV
fsr-3479	146	7	on	on	ADP
fsr-3479	146	8	subsamples	subsample	NOUN
fsr-3479	146	9	of	of	ADP
fsr-3479	146	10	the	the	DET
fsr-3479	146	11	data	datum	NOUN
fsr-3479	146	12	based	base	VERB
fsr-3479	146	13	on	on	ADP
fsr-3479	146	14	the	the	DET
fsr-3479	146	15	portfolio	portfolio	NOUN
fsr-3479	146	16	management	management	NOUN
fsr-3479	146	17	approach	approach	NOUN
fsr-3479	146	18	(	(	PUNCT
fsr-3479	146	19	amp	amp	PROPN
fsr-3479	146	20	,	,	PUNCT
fsr-3479	146	21	uma	uma	PROPN
fsr-3479	146	22	,	,	PUNCT
fsr-3479	146	23	and	and	CCONJ
fsr-3479	146	24	tamp	tamp	NOUN
fsr-3479	146	25	)	)	PUNCT
fsr-3479	146	26	.	.	PUNCT
fsr-3479	147	1	avg	avg	PROPN
fsr-3479	147	2	1	1	NUM
fsr-3479	147	3	,	,	PUNCT
fsr-3479	147	4	3	3	NUM
fsr-3479	147	5	,	,	PUNCT
fsr-3479	147	6	or	or	CCONJ
fsr-3479	147	7	5	5	NUM
fsr-3479	147	8	�	�	PROPN
fsr-3479	147	9	year	year	NOUN
fsr-3479	147	10	return	return	VERB
fsr-3479	147	11	¼	¼	NOUN
fsr-3479	147	12	b	b	NOUN
fsr-3479	147	13	0	0	NUM
fsr-3479	147	14	þ	þ	NOUN
fsr-3479	147	15	b	b	PROPN
fsr-3479	147	16	1	1	NUM
fsr-3479	147	17	riað	riað	NOUN
fsr-3479	147	18	þ	þ	PROPN
fsr-3479	147	19	þ	þ	PROPN
fsr-3479	147	20	b	b	PROPN
fsr-3479	147	21	2	2	NUM
fsr-3479	147	22	portriskð	portriskð	NOUN
fsr-3479	147	23	þ	þ	PROPN
fsr-3479	147	24	þ	þ	PROPN
fsr-3479	147	25	b	b	PROPN
fsr-3479	147	26	3	3	NUM
fsr-3479	147	27	ria	ria	PROPN
fsr-3479	147	28	�	�	PROPN
fsr-3479	147	29	portriskð	portriskð	PROPN
fsr-3479	147	30	þ	þ	PROPN
fsr-3479	147	31	þb	þb	VERB
fsr-3479	147	32	4	4	NUM
fsr-3479	147	33	avgfeeð	avgfeeð	NOUN
fsr-3479	147	34	þ	þ	PROPN
fsr-3479	147	35	þ	þ	PROPN
fsr-3479	147	36	b	b	PROPN
fsr-3479	147	37	5	5	NUM
fsr-3479	147	38	in	in	ADP
fsr-3479	147	39	avgacctsizeð	avgacctsizeð	NOUN
fsr-3479	147	40	þ	þ	PROPN
fsr-3479	147	41	þ	þ	PROPN
fsr-3479	147	42	b	b	PROPN
fsr-3479	147	43	6	6	NUM
fsr-3479	147	44	numaccountsð	numaccountsð	VERB
fsr-3479	147	45	þ	þ	PROPN
fsr-3479	147	46	þ	þ	NOUN
fsr-3479	147	47	«	«	PUNCT
fsr-3479	147	48	(	(	PUNCT
fsr-3479	147	49	1	1	NUM
fsr-3479	147	50	)	)	PUNCT
fsr-3479	147	51	2.3	2.3	NUM
fsr-3479	147	52	.	.	PUNCT
fsr-3479	148	1	dependent	dependent	ADJ
fsr-3479	148	2	variables	variable	NOUN
fsr-3479	148	3	the	the	DET
fsr-3479	148	4	dependent	dependent	ADJ
fsr-3479	148	5	variables	variable	NOUN
fsr-3479	148	6	are	be	AUX
fsr-3479	148	7	the	the	DET
fsr-3479	148	8	one	one	NUM
fsr-3479	148	9	,	,	PUNCT
fsr-3479	148	10	three	three	NUM
fsr-3479	148	11	,	,	PUNCT
fsr-3479	148	12	and	and	CCONJ
fsr-3479	148	13	five	five	NUM
fsr-3479	148	14	-	-	PUNCT
fsr-3479	148	15	year	year	NOUN
fsr-3479	148	16	average	average	ADJ
fsr-3479	148	17	return	return	NOUN
fsr-3479	148	18	ending	end	VERB
fsr-3479	148	19	july	july	PROPN
fsr-3479	148	20	31	31	NUM
fsr-3479	148	21	,	,	PUNCT
fsr-3479	148	22	2019	2019	NUM
fsr-3479	148	23	.	.	PUNCT
fsr-3479	149	1	these	these	DET
fsr-3479	149	2	returns	return	NOUN
fsr-3479	149	3	are	be	AUX
fsr-3479	149	4	generated	generate	VERB
fsr-3479	149	5	net	net	NOUN
fsr-3479	149	6	of	of	ADP
fsr-3479	149	7	the	the	DET
fsr-3479	149	8	advisor	advisor	NOUN
fsr-3479	149	9	fee	fee	NOUN
fsr-3479	149	10	.	.	PUNCT
fsr-3479	150	1	accounts	account	NOUN
fsr-3479	150	2	are	be	AUX
fsr-3479	150	3	included	include	VERB
fsr-3479	150	4	in	in	ADP
fsr-3479	150	5	each	each	DET
fsr-3479	150	6	time	time	NOUN
fsr-3479	150	7	frame	frame	NOUN
fsr-3479	150	8	if	if	SCONJ
fsr-3479	150	9	they	they	PRON
fsr-3479	150	10	have	have	VERB
fsr-3479	150	11	a	a	DET
fsr-3479	150	12	long	long	ADJ
fsr-3479	150	13	enough	enough	ADJ
fsr-3479	150	14	history	history	NOUN
fsr-3479	150	15	.	.	PUNCT
fsr-3479	151	1	for	for	ADP
fsr-3479	151	2	example	example	NOUN
fsr-3479	151	3	,	,	PUNCT
fsr-3479	151	4	a	a	DET
fsr-3479	151	5	portfolio	portfolio	NOUN
fsr-3479	151	6	that	that	PRON
fsr-3479	151	7	has	have	VERB
fsr-3479	151	8	two	two	NUM
fsr-3479	151	9	years	year	NOUN
fsr-3479	151	10	of	of	ADP
fsr-3479	151	11	return	return	NOUN
fsr-3479	151	12	data	datum	NOUN
fsr-3479	151	13	will	will	AUX
fsr-3479	151	14	only	only	ADV
fsr-3479	151	15	be	be	AUX
fsr-3479	151	16	included	include	VERB
fsr-3479	151	17	in	in	ADP
fsr-3479	151	18	the	the	DET
fsr-3479	151	19	analysis	analysis	NOUN
fsr-3479	151	20	of	of	ADP
fsr-3479	151	21	one	one	NUM
fsr-3479	151	22	year	year	NOUN
fsr-3479	151	23	of	of	ADP
fsr-3479	151	24	return	return	NOUN
fsr-3479	151	25	data	datum	NOUN
fsr-3479	151	26	,	,	PUNCT
fsr-3479	151	27	whereas	whereas	SCONJ
fsr-3479	151	28	a	a	DET
fsr-3479	151	29	portfolio	portfolio	NOUN
fsr-3479	151	30	with	with	ADP
fsr-3479	151	31	four	four	NUM
fsr-3479	151	32	years	year	NOUN
fsr-3479	151	33	of	of	ADP
fsr-3479	151	34	return	return	NOUN
fsr-3479	151	35	history	history	NOUN
fsr-3479	151	36	will	will	AUX
fsr-3479	151	37	be	be	AUX
fsr-3479	151	38	included	include	VERB
fsr-3479	151	39	in	in	ADP
fsr-3479	151	40	the	the	DET
fsr-3479	151	41	oneand	oneand	ADJ
fsr-3479	151	42	three	three	NUM
fsr-3479	151	43	-	-	PUNCT
fsr-3479	151	44	year	year	NOUN
fsr-3479	151	45	analyses	analysis	NOUN
fsr-3479	151	46	.	.	PUNCT
fsr-3479	152	1	2.4	2.4	NUM
fsr-3479	152	2	.	.	PUNCT
fsr-3479	153	1	independent	independent	ADJ
fsr-3479	153	2	variables	variable	NOUN
fsr-3479	153	3	the	the	DET
fsr-3479	153	4	following	follow	VERB
fsr-3479	153	5	independent	independent	ADJ
fsr-3479	153	6	variables	variable	NOUN
fsr-3479	153	7	included	include	VERB
fsr-3479	153	8	in	in	ADP
fsr-3479	153	9	the	the	DET
fsr-3479	153	10	regression	regression	NOUN
fsr-3479	153	11	to	to	PART
fsr-3479	153	12	determine	determine	VERB
fsr-3479	153	13	if	if	SCONJ
fsr-3479	153	14	they	they	PRON
fsr-3479	153	15	impact	impact	VERB
fsr-3479	153	16	the	the	DET
fsr-3479	153	17	one	one	NUM
fsr-3479	153	18	,	,	PUNCT
fsr-3479	153	19	three	three	NUM
fsr-3479	153	20	,	,	PUNCT
fsr-3479	153	21	and	and	CCONJ
fsr-3479	153	22	five	five	NUM
fsr-3479	153	23	-	-	PUNCT
fsr-3479	153	24	year	year	NOUN
fsr-3479	153	25	average	average	ADJ
fsr-3479	153	26	rates	rate	NOUN
fsr-3479	153	27	of	of	ADP
fsr-3479	153	28	return	return	NOUN
fsr-3479	153	29	of	of	ADP
fsr-3479	153	30	the	the	DET
fsr-3479	153	31	portfolio	portfolio	NOUN
fsr-3479	153	32	.	.	PUNCT
fsr-3479	154	1	2.4.1	2.4.1	X
fsr-3479	154	2	.	.	PUNCT
fsr-3479	155	1	ria	ria	PROPN
fsr-3479	155	2	this	this	PRON
fsr-3479	155	3	is	be	AUX
fsr-3479	155	4	a	a	DET
fsr-3479	155	5	dichotomous	dichotomous	ADJ
fsr-3479	155	6	variable	variable	NOUN
fsr-3479	155	7	that	that	PRON
fsr-3479	155	8	is	be	AUX
fsr-3479	155	9	positive	positive	ADJ
fsr-3479	155	10	for	for	ADP
fsr-3479	155	11	ria	ria	PROPN
fsr-3479	155	12	firms	firm	NOUN
fsr-3479	155	13	and	and	CCONJ
fsr-3479	155	14	zero	zero	NUM
fsr-3479	155	15	for	for	ADP
fsr-3479	155	16	ibd	ibd	NOUN
fsr-3479	155	17	firms	firm	NOUN
fsr-3479	155	18	.	.	PUNCT
fsr-3479	156	1	2.4.2	2.4.2	X
fsr-3479	156	2	.	.	PUNCT
fsr-3479	157	1	portfolio	portfolio	NOUN
fsr-3479	157	2	risk	risk	VERB
fsr-3479	157	3	the	the	DET
fsr-3479	157	4	investment	investment	NOUN
fsr-3479	157	5	advisory	advisory	ADJ
fsr-3479	157	6	platform	platform	NOUN
fsr-3479	157	7	utilizes	utilize	VERB
fsr-3479	157	8	five	five	NUM
fsr-3479	157	9	distinct	distinct	ADJ
fsr-3479	157	10	universal	universal	ADJ
fsr-3479	157	11	risk	risk	NOUN
fsr-3479	157	12	tolerance	tolerance	NOUN
fsr-3479	157	13	levels	level	NOUN
fsr-3479	157	14	.	.	PUNCT
fsr-3479	158	1	clients	client	NOUN
fsr-3479	158	2	complete	complete	VERB
fsr-3479	158	3	a	a	DET
fsr-3479	158	4	questionnaire	questionnaire	NOUN
fsr-3479	158	5	,	,	PUNCT
fsr-3479	158	6	which	which	PRON
fsr-3479	158	7	provides	provide	VERB
fsr-3479	158	8	a	a	DET
fsr-3479	158	9	risk	risk	NOUN
fsr-3479	158	10	tolerance	tolerance	NOUN
fsr-3479	158	11	rating	rating	NOUN
fsr-3479	158	12	.	.	PUNCT
fsr-3479	159	1	once	once	SCONJ
fsr-3479	159	2	the	the	DET
fsr-3479	159	3	client	client	NOUN
fsr-3479	159	4	’s	’s	PART
fsr-3479	159	5	risk	risk	NOUN
fsr-3479	159	6	tolerance	tolerance	NOUN
fsr-3479	159	7	rating	rating	NOUN
fsr-3479	159	8	is	be	AUX
fsr-3479	159	9	established	establish	VERB
fsr-3479	159	10	,	,	PUNCT
fsr-3479	159	11	the	the	DET
fsr-3479	159	12	platform	platform	NOUN
fsr-3479	159	13	will	will	AUX
fsr-3479	159	14	provide	provide	VERB
fsr-3479	159	15	available	available	ADJ
fsr-3479	159	16	tamp	tamp	ADJ
fsr-3479	159	17	portfolios	portfolio	NOUN
fsr-3479	160	1	that	that	SCONJ
fsr-3479	160	2	152	152	NUM
fsr-3479	160	3	j.	j.	PROPN
fsr-3479	160	4	e.	e.	PROPN
fsr-3479	160	5	heller	heller	PROPN
fsr-3479	160	6	et	et	PROPN
fsr-3479	160	7	al	al	PROPN
fsr-3479	160	8	.	.	PUNCT
fsr-3479	160	9	/	/	SYM
fsr-3479	160	10	financial	financial	ADJ
fsr-3479	160	11	services	service	NOUN
fsr-3479	160	12	review	review	VERB
fsr-3479	160	13	30	30	NUM
fsr-3479	160	14	(	(	PUNCT
fsr-3479	160	15	2022	2022	NUM
fsr-3479	160	16	)	)	PUNCT
fsr-3479	160	17	145–164	145–164	NUM
fsr-3479	160	18	meet	meet	VERB
fsr-3479	160	19	the	the	DET
fsr-3479	160	20	client	client	NOUN
fsr-3479	160	21	’s	’s	PART
fsr-3479	160	22	risk	risk	NOUN
fsr-3479	160	23	tolerance	tolerance	NOUN
fsr-3479	160	24	objective	objective	NOUN
fsr-3479	160	25	,	,	PUNCT
fsr-3479	160	26	account	account	NOUN
fsr-3479	160	27	size	size	NOUN
fsr-3479	160	28	,	,	PUNCT
fsr-3479	160	29	as	as	ADV
fsr-3479	160	30	well	well	ADV
fsr-3479	160	31	as	as	ADP
fsr-3479	160	32	the	the	DET
fsr-3479	160	33	advisor	advisor	NOUN
fsr-3479	160	34	’s	’s	PART
fsr-3479	160	35	licensing	licensing	NOUN
fsr-3479	160	36	.	.	PUNCT
fsr-3479	161	1	for	for	ADP
fsr-3479	161	2	advisors	advisor	NOUN
fsr-3479	161	3	who	who	PRON
fsr-3479	161	4	choose	choose	VERB
fsr-3479	161	5	to	to	PART
fsr-3479	161	6	employ	employ	VERB
fsr-3479	161	7	amp	amp	NOUN
fsr-3479	161	8	or	or	CCONJ
fsr-3479	161	9	uma	uma	PROPN
fsr-3479	161	10	strategies	strategy	NOUN
fsr-3479	161	11	,	,	PUNCT
fsr-3479	161	12	the	the	DET
fsr-3479	161	13	client	client	NOUN
fsr-3479	161	14	risk	risk	NOUN
fsr-3479	161	15	tolerance	tolerance	NOUN
fsr-3479	161	16	rating	rating	NOUN
fsr-3479	161	17	provides	provide	VERB
fsr-3479	161	18	a	a	DET
fsr-3479	161	19	risk	risk	NOUN
fsr-3479	161	20	range	range	NOUN
fsr-3479	161	21	that	that	SCONJ
fsr-3479	161	22	the	the	DET
fsr-3479	161	23	advisor	advisor	NOUN
fsr-3479	161	24	must	must	AUX
fsr-3479	161	25	adhere	adhere	VERB
fsr-3479	161	26	to	to	ADP
fsr-3479	161	27	when	when	SCONJ
fsr-3479	161	28	constructing	construct	VERB
fsr-3479	161	29	the	the	DET
fsr-3479	161	30	portfolio	portfolio	NOUN
fsr-3479	161	31	.	.	PUNCT
fsr-3479	162	1	the	the	DET
fsr-3479	162	2	platform	platform	NOUN
fsr-3479	162	3	ranks	rank	VERB
fsr-3479	162	4	each	each	DET
fsr-3479	162	5	available	available	ADJ
fsr-3479	162	6	component	component	NOUN
fsr-3479	162	7	investment	investment	NOUN
fsr-3479	162	8	and	and	CCONJ
fsr-3479	162	9	assigns	assign	VERB
fsr-3479	162	10	a	a	DET
fsr-3479	162	11	composite	composite	ADJ
fsr-3479	162	12	risk	risk	NOUN
fsr-3479	162	13	value	value	NOUN
fsr-3479	162	14	.	.	PUNCT
fsr-3479	163	1	as	as	SCONJ
fsr-3479	163	2	component	component	NOUN
fsr-3479	163	3	investments	investment	NOUN
fsr-3479	163	4	are	be	AUX
fsr-3479	163	5	added	add	VERB
fsr-3479	163	6	to	to	ADP
fsr-3479	163	7	the	the	DET
fsr-3479	163	8	portfolio	portfolio	NOUN
fsr-3479	163	9	,	,	PUNCT
fsr-3479	163	10	the	the	DET
fsr-3479	163	11	composite	composite	ADJ
fsr-3479	163	12	risk	risk	NOUN
fsr-3479	163	13	score	score	NOUN
fsr-3479	163	14	for	for	ADP
fsr-3479	163	15	the	the	DET
fsr-3479	163	16	portfolio	portfolio	NOUN
fsr-3479	163	17	is	be	AUX
fsr-3479	163	18	created	create	VERB
fsr-3479	163	19	and	and	CCONJ
fsr-3479	163	20	must	must	AUX
fsr-3479	163	21	remain	remain	VERB
fsr-3479	163	22	within	within	ADP
fsr-3479	163	23	the	the	DET
fsr-3479	163	24	client	client	NOUN
fsr-3479	163	25	’s	’s	PART
fsr-3479	163	26	risk	risk	NOUN
fsr-3479	163	27	tolerance	tolerance	NOUN
fsr-3479	163	28	score	score	NOUN
fsr-3479	163	29	to	to	PART
fsr-3479	163	30	be	be	AUX
fsr-3479	163	31	considered	consider	VERB
fsr-3479	163	32	compliant	compliant	ADJ
fsr-3479	163	33	.	.	PUNCT
fsr-3479	164	1	the	the	DET
fsr-3479	164	2	five	five	NUM
fsr-3479	164	3	risk	risk	NOUN
fsr-3479	164	4	tolerance	tolerance	NOUN
fsr-3479	164	5	categories	category	NOUN
fsr-3479	164	6	in	in	ADP
fsr-3479	164	7	descending	descend	VERB
fsr-3479	164	8	order	order	NOUN
fsr-3479	164	9	from	from	ADP
fsr-3479	164	10	most	most	ADJ
fsr-3479	164	11	conservative	conservative	ADJ
fsr-3479	164	12	to	to	ADP
fsr-3479	164	13	most	most	ADV
fsr-3479	164	14	aggressive	aggressive	ADJ
fsr-3479	164	15	are	be	AUX
fsr-3479	164	16	:	:	PUNCT
fsr-3479	164	17	1	1	X
fsr-3479	164	18	.	.	X
fsr-3479	164	19	capital	capital	NOUN
fsr-3479	164	20	preservation	preservation	NOUN
fsr-3479	164	21	2	2	NUM
fsr-3479	164	22	.	.	PUNCT
fsr-3479	164	23	conservative	conservative	ADJ
fsr-3479	164	24	3	3	NUM
fsr-3479	164	25	.	.	PUNCT
fsr-3479	164	26	moderate	moderate	ADJ
fsr-3479	164	27	4	4	NUM
fsr-3479	164	28	.	.	PUNCT
fsr-3479	164	29	growth	growth	NOUN
fsr-3479	164	30	5	5	NUM
fsr-3479	164	31	.	.	PUNCT
fsr-3479	165	1	aggressive	aggressive	ADJ
fsr-3479	165	2	growth	growth	NOUN
fsr-3479	165	3	we	we	PRON
fsr-3479	165	4	expect	expect	VERB
fsr-3479	165	5	that	that	DET
fsr-3479	165	6	risk	risk	NOUN
fsr-3479	165	7	tolerance	tolerance	NOUN
fsr-3479	165	8	(	(	PUNCT
fsr-3479	165	9	manifest	manifest	NOUN
fsr-3479	165	10	as	as	ADP
fsr-3479	165	11	portfolio	portfolio	NOUN
fsr-3479	165	12	volatility	volatility	NOUN
fsr-3479	165	13	)	)	PUNCT
fsr-3479	165	14	and	and	CCONJ
fsr-3479	165	15	average	average	ADJ
fsr-3479	165	16	one	one	NUM
fsr-3479	165	17	,	,	PUNCT
fsr-3479	165	18	three	three	NUM
fsr-3479	165	19	,	,	PUNCT
fsr-3479	165	20	and	and	CCONJ
fsr-3479	165	21	five	five	NUM
fsr-3479	165	22	-	-	PUNCT
fsr-3479	165	23	year	year	NOUN
fsr-3479	165	24	returns	return	NOUN
fsr-3479	165	25	will	will	AUX
fsr-3479	165	26	have	have	VERB
fsr-3479	165	27	a	a	DET
fsr-3479	165	28	positive	positive	ADJ
fsr-3479	165	29	relationship	relationship	NOUN
fsr-3479	165	30	.	.	PUNCT
fsr-3479	166	1	as	as	SCONJ
fsr-3479	166	2	portfolio	portfolio	NOUN
fsr-3479	166	3	volatility	volatility	NOUN
fsr-3479	166	4	increases	increase	VERB
fsr-3479	166	5	across	across	ADP
fsr-3479	166	6	the	the	DET
fsr-3479	166	7	five	five	NUM
fsr-3479	166	8	risk	risk	NOUN
fsr-3479	166	9	tolerance	tolerance	NOUN
fsr-3479	166	10	categories	category	NOUN
fsr-3479	166	11	,	,	PUNCT
fsr-3479	166	12	total	total	ADJ
fsr-3479	166	13	net	net	ADJ
fsr-3479	166	14	return	return	NOUN
fsr-3479	166	15	will	will	AUX
fsr-3479	166	16	also	also	ADV
fsr-3479	166	17	increase	increase	VERB
fsr-3479	166	18	,	,	PUNCT
fsr-3479	166	19	due	due	ADP
fsr-3479	166	20	to	to	ADP
fsr-3479	166	21	the	the	DET
fsr-3479	166	22	additional	additional	ADJ
fsr-3479	166	23	equity	equity	NOUN
fsr-3479	166	24	allocations	allocation	NOUN
fsr-3479	166	25	and	and	CCONJ
fsr-3479	166	26	increased	increase	VERB
fsr-3479	166	27	risk	risk	NOUN
fsr-3479	166	28	premium	premium	NOUN
fsr-3479	166	29	.	.	PUNCT
fsr-3479	167	1	2.4.3	2.4.3	X
fsr-3479	167	2	.	.	PUNCT
fsr-3479	168	1	ria*portfolio	ria*portfolio	VERB
fsr-3479	168	2	risk	risk	NOUN
fsr-3479	168	3	this	this	DET
fsr-3479	168	4	interaction	interaction	NOUN
fsr-3479	168	5	variable	variable	NOUN
fsr-3479	168	6	provides	provide	VERB
fsr-3479	168	7	a	a	DET
fsr-3479	168	8	measure	measure	NOUN
fsr-3479	168	9	of	of	ADP
fsr-3479	168	10	the	the	DET
fsr-3479	168	11	marginal	marginal	ADJ
fsr-3479	168	12	impact	impact	NOUN
fsr-3479	168	13	of	of	ADP
fsr-3479	168	14	increased	increase	VERB
fsr-3479	168	15	portfolio	portfolio	NOUN
fsr-3479	168	16	volatility	volatility	NOUN
fsr-3479	168	17	among	among	ADP
fsr-3479	168	18	ria	ria	PROPN
fsr-3479	168	19	firms	firm	NOUN
fsr-3479	168	20	.	.	PUNCT
fsr-3479	169	1	2.5	2.5	NUM
fsr-3479	169	2	.	.	PUNCT
fsr-3479	170	1	control	control	NOUN
fsr-3479	170	2	variables	variable	NOUN
fsr-3479	170	3	2.5.1	2.5.1	NUM
fsr-3479	170	4	.	.	PUNCT
fsr-3479	171	1	average	average	ADJ
fsr-3479	171	2	advisor	advisor	NOUN
fsr-3479	171	3	fee	fee	NOUN
fsr-3479	171	4	this	this	DET
fsr-3479	171	5	variable	variable	NOUN
fsr-3479	171	6	represents	represent	VERB
fsr-3479	171	7	the	the	DET
fsr-3479	171	8	average	average	ADJ
fsr-3479	171	9	advisor	advisor	NOUN
fsr-3479	171	10	fee	fee	NOUN
fsr-3479	171	11	(	(	PUNCT
fsr-3479	171	12	expressed	express	VERB
fsr-3479	171	13	as	as	ADP
fsr-3479	171	14	a	a	DET
fsr-3479	171	15	percentage	percentage	NOUN
fsr-3479	171	16	)	)	PUNCT
fsr-3479	171	17	for	for	ADP
fsr-3479	171	18	each	each	DET
fsr-3479	171	19	portfolio	portfolio	NOUN
fsr-3479	171	20	,	,	PUNCT
fsr-3479	171	21	which	which	PRON
fsr-3479	171	22	does	do	AUX
fsr-3479	171	23	not	not	PART
fsr-3479	171	24	represent	represent	VERB
fsr-3479	171	25	the	the	DET
fsr-3479	171	26	total	total	ADJ
fsr-3479	171	27	cost	cost	NOUN
fsr-3479	171	28	to	to	ADP
fsr-3479	171	29	the	the	DET
fsr-3479	171	30	client	client	NOUN
fsr-3479	171	31	.	.	PUNCT
fsr-3479	172	1	advisor	advisor	NOUN
fsr-3479	172	2	driven	drive	VERB
fsr-3479	172	3	portfolios	portfolio	NOUN
fsr-3479	172	4	do	do	AUX
fsr-3479	172	5	not	not	PART
fsr-3479	172	6	have	have	VERB
fsr-3479	172	7	manager	manager	NOUN
fsr-3479	172	8	fees	fee	NOUN
fsr-3479	172	9	that	that	SCONJ
fsr-3479	172	10	tamps	tamp	NOUN
fsr-3479	172	11	(	(	PUNCT
fsr-3479	172	12	and	and	CCONJ
fsr-3479	172	13	umas	uma	NOUN
fsr-3479	172	14	)	)	PUNCT
fsr-3479	172	15	could	could	AUX
fsr-3479	172	16	have	have	VERB
fsr-3479	172	17	.	.	PUNCT
fsr-3479	173	1	additionally	additionally	ADV
fsr-3479	173	2	,	,	PUNCT
fsr-3479	173	3	firms	firm	NOUN
fsr-3479	173	4	charge	charge	VERB
fsr-3479	173	5	different	different	ADJ
fsr-3479	173	6	program	program	NOUN
fsr-3479	173	7	fees	fee	NOUN
fsr-3479	173	8	that	that	PRON
fsr-3479	173	9	split	split	VERB
fsr-3479	173	10	revenue	revenue	NOUN
fsr-3479	173	11	with	with	ADP
fsr-3479	173	12	the	the	DET
fsr-3479	173	13	advisory	advisory	ADJ
fsr-3479	173	14	platform	platform	NOUN
fsr-3479	173	15	;	;	PUNCT
fsr-3479	173	16	these	these	DET
fsr-3479	173	17	fees	fee	NOUN
fsr-3479	173	18	are	be	AUX
fsr-3479	173	19	not	not	PART
fsr-3479	173	20	included	include	VERB
fsr-3479	173	21	in	in	ADP
fsr-3479	173	22	the	the	DET
fsr-3479	173	23	average	average	ADJ
fsr-3479	173	24	advisor	advisor	NOUN
fsr-3479	173	25	fee	fee	NOUN
fsr-3479	173	26	but	but	CCONJ
fsr-3479	173	27	could	could	AUX
fsr-3479	173	28	influence	influence	VERB
fsr-3479	173	29	what	what	PRON
fsr-3479	173	30	the	the	DET
fsr-3479	173	31	advisor	advisor	NOUN
fsr-3479	173	32	chooses	choose	VERB
fsr-3479	173	33	to	to	PART
fsr-3479	173	34	charge	charge	VERB
fsr-3479	173	35	.	.	PUNCT
fsr-3479	174	1	fees	fee	NOUN
fsr-3479	174	2	also	also	ADV
fsr-3479	174	3	tend	tend	VERB
fsr-3479	174	4	to	to	PART
fsr-3479	174	5	work	work	VERB
fsr-3479	174	6	on	on	ADP
fsr-3479	174	7	economies	economy	NOUN
fsr-3479	174	8	of	of	ADP
fsr-3479	174	9	scale	scale	NOUN
fsr-3479	174	10	;	;	PUNCT
fsr-3479	174	11	in	in	ADP
fsr-3479	174	12	other	other	ADJ
fsr-3479	174	13	words	word	NOUN
fsr-3479	174	14	,	,	PUNCT
fsr-3479	174	15	the	the	PRON
fsr-3479	174	16	larger	large	ADJ
fsr-3479	174	17	the	the	DET
fsr-3479	174	18	account	account	NOUN
fsr-3479	174	19	,	,	PUNCT
fsr-3479	174	20	the	the	PRON
fsr-3479	174	21	lower	low	ADJ
fsr-3479	174	22	the	the	DET
fsr-3479	174	23	percentage	percentage	NOUN
fsr-3479	174	24	fee	fee	NOUN
fsr-3479	174	25	charged	charge	VERB
fsr-3479	174	26	.	.	PUNCT
fsr-3479	175	1	lastly	lastly	ADV
fsr-3479	175	2	,	,	PUNCT
fsr-3479	175	3	these	these	DET
fsr-3479	175	4	fees	fee	NOUN
fsr-3479	175	5	are	be	AUX
fsr-3479	175	6	not	not	PART
fsr-3479	175	7	what	what	PRON
fsr-3479	175	8	the	the	DET
fsr-3479	175	9	advisor	advisor	NOUN
fsr-3479	175	10	actually	actually	ADV
fsr-3479	175	11	earns	earn	VERB
fsr-3479	175	12	.	.	PUNCT
fsr-3479	176	1	each	each	DET
fsr-3479	176	2	firm	firm	NOUN
fsr-3479	176	3	has	have	VERB
fsr-3479	176	4	a	a	DET
fsr-3479	176	5	different	different	ADJ
fsr-3479	176	6	compensation	compensation	NOUN
fsr-3479	176	7	structure	structure	NOUN
fsr-3479	176	8	,	,	PUNCT
fsr-3479	176	9	and	and	CCONJ
fsr-3479	176	10	each	each	DET
fsr-3479	176	11	advisor	advisor	NOUN
fsr-3479	176	12	has	have	VERB
fsr-3479	176	13	a	a	DET
fsr-3479	176	14	different	different	ADJ
fsr-3479	176	15	payout	payout	NOUN
fsr-3479	176	16	,	,	PUNCT
fsr-3479	176	17	which	which	PRON
fsr-3479	176	18	could	could	AUX
fsr-3479	176	19	influence	influence	VERB
fsr-3479	176	20	what	what	PRON
fsr-3479	176	21	the	the	DET
fsr-3479	176	22	advisor	advisor	NOUN
fsr-3479	176	23	chooses	choose	VERB
fsr-3479	176	24	to	to	PART
fsr-3479	176	25	charge	charge	VERB
fsr-3479	176	26	.	.	PUNCT
fsr-3479	177	1	we	we	PRON
fsr-3479	177	2	expect	expect	VERB
fsr-3479	177	3	the	the	DET
fsr-3479	177	4	average	average	ADJ
fsr-3479	177	5	advisor	advisor	NOUN
fsr-3479	177	6	fee	fee	NOUN
fsr-3479	177	7	to	to	PART
fsr-3479	177	8	have	have	VERB
fsr-3479	177	9	an	an	DET
fsr-3479	177	10	inverse	inverse	NOUN
fsr-3479	177	11	relation	relation	NOUN
fsr-3479	177	12	with	with	ADP
fsr-3479	177	13	each	each	DET
fsr-3479	177	14	dependent	dependent	ADJ
fsr-3479	177	15	variable	variable	NOUN
fsr-3479	177	16	.	.	PUNCT
fsr-3479	178	1	average	average	ADJ
fsr-3479	178	2	advisor	advisor	NOUN
fsr-3479	178	3	fees	fee	NOUN
fsr-3479	178	4	range	range	VERB
fsr-3479	178	5	from	from	ADP
fsr-3479	178	6	0.000046	0.000046	NUM
fsr-3479	178	7	%	%	NOUN
fsr-3479	178	8	to	to	ADP
fsr-3479	178	9	2.293	2.293	NUM
fsr-3479	178	10	%	%	NOUN
fsr-3479	178	11	for	for	ADP
fsr-3479	178	12	ibds	ibds	NOUN
fsr-3479	178	13	for	for	ADP
fsr-3479	178	14	the	the	DET
fsr-3479	178	15	one-	one-	ADJ
fsr-3479	178	16	,	,	PUNCT
fsr-3479	178	17	three-	three-	NOUN
fsr-3479	178	18	,	,	PUNCT
fsr-3479	178	19	and	and	CCONJ
fsr-3479	178	20	five	five	NUM
fsr-3479	178	21	-	-	PUNCT
fsr-3479	178	22	year	year	NOUN
fsr-3479	178	23	time	time	NOUN
fsr-3479	178	24	periods	period	NOUN
fsr-3479	178	25	.	.	PUNCT
fsr-3479	179	1	for	for	ADP
fsr-3479	179	2	rias	rias	PROPN
fsr-3479	179	3	,	,	PUNCT
fsr-3479	179	4	fees	fee	NOUN
fsr-3479	179	5	range	range	VERB
fsr-3479	179	6	from	from	ADP
fsr-3479	179	7	0.0986	0.0986	NUM
fsr-3479	179	8	%	%	NOUN
fsr-3479	179	9	to	to	ADP
fsr-3479	179	10	2.059	2.059	NUM
fsr-3479	179	11	%	%	NOUN
fsr-3479	179	12	for	for	ADP
fsr-3479	179	13	the	the	DET
fsr-3479	179	14	one-	one-	ADJ
fsr-3479	179	15	,	,	PUNCT
fsr-3479	179	16	three-	three-	NOUN
fsr-3479	179	17	,	,	PUNCT
fsr-3479	179	18	and	and	CCONJ
fsr-3479	179	19	five	five	NUM
fsr-3479	179	20	-	-	PUNCT
fsr-3479	179	21	year	year	NOUN
fsr-3479	179	22	time	time	NOUN
fsr-3479	179	23	periods	period	NOUN
fsr-3479	179	24	.	.	PUNCT
fsr-3479	180	1	2.5.2	2.5.2	NUM
fsr-3479	180	2	.	.	PUNCT
fsr-3479	181	1	ln	ln	ADJ
fsr-3479	181	2	(	(	PUNCT
fsr-3479	181	3	average	average	ADJ
fsr-3479	181	4	account	account	NOUN
fsr-3479	181	5	size	size	NOUN
fsr-3479	181	6	)	)	PUNCT
fsr-3479	181	7	for	for	ADP
fsr-3479	181	8	all	all	DET
fsr-3479	181	9	amp	amp	PROPN
fsr-3479	181	10	,	,	PUNCT
fsr-3479	181	11	uma	uma	PROPN
fsr-3479	181	12	,	,	PUNCT
fsr-3479	181	13	and	and	CCONJ
fsr-3479	181	14	tamp	tamp	ADJ
fsr-3479	181	15	accounts	account	NOUN
fsr-3479	181	16	,	,	PUNCT
fsr-3479	181	17	the	the	DET
fsr-3479	181	18	average	average	ADJ
fsr-3479	181	19	client	client	NOUN
fsr-3479	181	20	account	account	NOUN
fsr-3479	181	21	size	size	NOUN
fsr-3479	181	22	is	be	AUX
fsr-3479	181	23	reported	report	VERB
fsr-3479	181	24	per	per	ADP
fsr-3479	181	25	firm	firm	NOUN
fsr-3479	181	26	as	as	ADP
fsr-3479	181	27	of	of	ADP
fsr-3479	181	28	july	july	PROPN
fsr-3479	181	29	31	31	NUM
fsr-3479	181	30	,	,	PUNCT
fsr-3479	181	31	2019	2019	NUM
fsr-3479	181	32	.	.	PUNCT
fsr-3479	182	1	average	average	ADJ
fsr-3479	182	2	account	account	NOUN
fsr-3479	182	3	size	size	NOUN
fsr-3479	182	4	for	for	ADP
fsr-3479	182	5	ria	ria	PROPN
fsr-3479	182	6	amps	amp	NOUN
fsr-3479	182	7	ranges	range	VERB
fsr-3479	182	8	from	from	ADP
fsr-3479	182	9	$	$	SYM
fsr-3479	182	10	26,343	26,343	NUM
fsr-3479	182	11	to	to	ADP
fsr-3479	182	12	j.	j.	PROPN
fsr-3479	182	13	e.	e.	PROPN
fsr-3479	182	14	heller	heller	PROPN
fsr-3479	182	15	et	et	PROPN
fsr-3479	182	16	al	al	PROPN
fsr-3479	182	17	.	.	PUNCT
fsr-3479	182	18	/	/	SYM
fsr-3479	182	19	financial	financial	ADJ
fsr-3479	182	20	services	service	NOUN
fsr-3479	182	21	review	review	VERB
fsr-3479	182	22	30	30	NUM
fsr-3479	182	23	(	(	PUNCT
fsr-3479	182	24	2022	2022	NUM
fsr-3479	182	25	)	)	PUNCT
fsr-3479	182	26	145–164	145–164	NUM
fsr-3479	182	27	153	153	NUM
fsr-3479	182	28	$	$	SYM
fsr-3479	182	29	15,506,672	15,506,672	NUM
fsr-3479	182	30	.	.	PUNCT
fsr-3479	183	1	average	average	ADJ
fsr-3479	183	2	account	account	NOUN
fsr-3479	183	3	size	size	NOUN
fsr-3479	183	4	for	for	ADP
fsr-3479	183	5	ibd	ibd	NOUN
fsr-3479	183	6	amps	amp	NOUN
fsr-3479	183	7	ranges	range	VERB
fsr-3479	183	8	from	from	ADP
fsr-3479	183	9	$	$	SYM
fsr-3479	183	10	26,090	26,090	NUM
fsr-3479	183	11	to	to	ADP
fsr-3479	183	12	$	$	SYM
fsr-3479	183	13	41,286,141	41,286,141	NUM
fsr-3479	183	14	.	.	PUNCT
fsr-3479	184	1	average	average	ADJ
fsr-3479	184	2	account	account	NOUN
fsr-3479	184	3	size	size	NOUN
fsr-3479	184	4	for	for	ADP
fsr-3479	184	5	ria	ria	PROPN
fsr-3479	184	6	umas	umas	PROPN
fsr-3479	184	7	ranges	range	VERB
fsr-3479	184	8	from	from	ADP
fsr-3479	184	9	$	$	SYM
fsr-3479	184	10	27,221	27,221	NUM
fsr-3479	184	11	to	to	ADP
fsr-3479	184	12	$	$	SYM
fsr-3479	184	13	45,829,626	45,829,626	NUM
fsr-3479	184	14	.	.	PUNCT
fsr-3479	185	1	average	average	ADJ
fsr-3479	185	2	account	account	NOUN
fsr-3479	185	3	size	size	NOUN
fsr-3479	185	4	for	for	ADP
fsr-3479	185	5	ibd	ibd	PROPN
fsr-3479	185	6	umas	umas	PROPN
fsr-3479	185	7	ranges	range	VERB
fsr-3479	185	8	from	from	ADP
fsr-3479	185	9	$	$	SYM
fsr-3479	185	10	26,259	26,259	NUM
fsr-3479	185	11	to	to	PART
fsr-3479	185	12	$	$	SYM
fsr-3479	185	13	4,504,614	4,504,614	NUM
fsr-3479	185	14	.	.	PUNCT
fsr-3479	186	1	average	average	ADJ
fsr-3479	186	2	account	account	NOUN
fsr-3479	186	3	size	size	NOUN
fsr-3479	186	4	for	for	ADP
fsr-3479	186	5	ria	ria	PROPN
fsr-3479	186	6	tamps	tamps	PROPN
fsr-3479	186	7	ranges	range	VERB
fsr-3479	186	8	from	from	ADP
fsr-3479	186	9	$	$	SYM
fsr-3479	186	10	25,073	25,073	NUM
fsr-3479	186	11	to	to	ADP
fsr-3479	186	12	$	$	SYM
fsr-3479	186	13	13,600,157	13,600,157	NUM
fsr-3479	186	14	.	.	PUNCT
fsr-3479	187	1	lastly	lastly	ADV
fsr-3479	187	2	,	,	PUNCT
fsr-3479	187	3	average	average	ADJ
fsr-3479	187	4	account	account	NOUN
fsr-3479	187	5	size	size	NOUN
fsr-3479	187	6	for	for	ADP
fsr-3479	187	7	ibd	ibd	PROPN
fsr-3479	187	8	tamps	tamp	NOUN
fsr-3479	187	9	ranges	range	VERB
fsr-3479	187	10	from	from	ADP
fsr-3479	187	11	$	$	SYM
fsr-3479	187	12	25,137	25,137	NUM
fsr-3479	187	13	to	to	ADP
fsr-3479	187	14	$	$	SYM
fsr-3479	187	15	6,875,348	6,875,348	NUM
fsr-3479	187	16	.	.	PUNCT
fsr-3479	188	1	2.5.3	2.5.3	NUM
fsr-3479	188	2	.	.	NOUN
fsr-3479	188	3	number	number	NOUN
fsr-3479	188	4	of	of	ADP
fsr-3479	188	5	accounts	account	NOUN
fsr-3479	188	6	this	this	DET
fsr-3479	188	7	variable	variable	NOUN
fsr-3479	188	8	represents	represent	VERB
fsr-3479	188	9	the	the	DET
fsr-3479	188	10	total	total	ADJ
fsr-3479	188	11	number	number	NOUN
fsr-3479	188	12	of	of	ADP
fsr-3479	188	13	accounts	account	NOUN
fsr-3479	188	14	for	for	ADP
fsr-3479	188	15	each	each	DET
fsr-3479	188	16	ria	ria	PROPN
fsr-3479	188	17	and	and	CCONJ
fsr-3479	188	18	ibd	ibd	PROPN
fsr-3479	188	19	in	in	ADP
fsr-3479	188	20	each	each	DET
fsr-3479	188	21	portfolio	portfolio	NOUN
fsr-3479	188	22	management	management	NOUN
fsr-3479	188	23	approach	approach	NOUN
fsr-3479	188	24	.	.	PUNCT
fsr-3479	189	1	we	we	PRON
fsr-3479	189	2	expect	expect	VERB
fsr-3479	189	3	the	the	DET
fsr-3479	189	4	number	number	NOUN
fsr-3479	189	5	of	of	ADP
fsr-3479	189	6	accounts	account	NOUN
fsr-3479	189	7	and	and	CCONJ
fsr-3479	189	8	one	one	NUM
fsr-3479	189	9	,	,	PUNCT
fsr-3479	189	10	three	three	NUM
fsr-3479	189	11	,	,	PUNCT
fsr-3479	189	12	and	and	CCONJ
fsr-3479	189	13	fiveyear	fiveyear	NOUN
fsr-3479	189	14	average	average	ADJ
fsr-3479	189	15	returns	return	NOUN
fsr-3479	189	16	to	to	PART
fsr-3479	189	17	have	have	VERB
fsr-3479	189	18	an	an	DET
fsr-3479	189	19	inverse	inverse	NOUN
fsr-3479	189	20	relation	relation	NOUN
fsr-3479	189	21	with	with	ADP
fsr-3479	189	22	amp	amp	PROPN
fsr-3479	189	23	and	and	CCONJ
fsr-3479	189	24	uma	uma	PROPN
fsr-3479	189	25	performance	performance	NOUN
fsr-3479	189	26	.	.	PUNCT
fsr-3479	190	1	incidentally	incidentally	ADV
fsr-3479	190	2	,	,	PUNCT
fsr-3479	190	3	we	we	PRON
fsr-3479	190	4	also	also	ADV
fsr-3479	190	5	expect	expect	VERB
fsr-3479	190	6	the	the	DET
fsr-3479	190	7	number	number	NOUN
fsr-3479	190	8	of	of	ADP
fsr-3479	190	9	accounts	account	NOUN
fsr-3479	190	10	and	and	CCONJ
fsr-3479	190	11	average	average	ADJ
fsr-3479	190	12	account	account	NOUN
fsr-3479	190	13	size	size	NOUN
fsr-3479	190	14	to	to	PART
fsr-3479	190	15	be	be	AUX
fsr-3479	190	16	inversely	inversely	ADV
fsr-3479	190	17	correlated	correlate	VERB
fsr-3479	190	18	.	.	PUNCT
fsr-3479	191	1	3	3	X
fsr-3479	191	2	.	.	NOUN
fsr-3479	191	3	results	result	VERB
fsr-3479	191	4	a	a	DET
fsr-3479	191	5	description	description	NOUN
fsr-3479	191	6	of	of	ADP
fsr-3479	191	7	the	the	DET
fsr-3479	191	8	samples	sample	NOUN
fsr-3479	191	9	for	for	ADP
fsr-3479	191	10	the	the	DET
fsr-3479	191	11	one	one	NUM
fsr-3479	191	12	-	-	PUNCT
fsr-3479	191	13	year	year	NOUN
fsr-3479	191	14	time	time	NOUN
fsr-3479	191	15	period	period	NOUN
fsr-3479	191	16	is	be	AUX
fsr-3479	191	17	included	include	VERB
fsr-3479	191	18	in	in	ADP
fsr-3479	191	19	table	table	NOUN
fsr-3479	191	20	1	1	NUM
fsr-3479	191	21	.	.	PUNCT
fsr-3479	192	1	the	the	DET
fsr-3479	192	2	average	average	ADJ
fsr-3479	192	3	return	return	NOUN
fsr-3479	192	4	for	for	ADP
fsr-3479	192	5	rias	ria	NOUN
fsr-3479	192	6	over	over	ADP
fsr-3479	192	7	one	one	NUM
fsr-3479	192	8	-	-	PUNCT
fsr-3479	192	9	year	year	NOUN
fsr-3479	192	10	ranges	range	NOUN
fsr-3479	192	11	from	from	ADP
fsr-3479	192	12	3.6	3.6	NUM
fsr-3479	192	13	%	%	NOUN
fsr-3479	192	14	for	for	ADP
fsr-3479	192	15	umas	uma	NOUN
fsr-3479	192	16	and	and	CCONJ
fsr-3479	192	17	4.35	4.35	NUM
fsr-3479	192	18	%	%	NOUN
fsr-3479	192	19	for	for	ADP
fsr-3479	192	20	amps	amp	NOUN
fsr-3479	192	21	,	,	PUNCT
fsr-3479	192	22	while	while	SCONJ
fsr-3479	192	23	the	the	DET
fsr-3479	192	24	average	average	ADJ
fsr-3479	192	25	return	return	NOUN
fsr-3479	192	26	for	for	ADP
fsr-3479	192	27	ibds	ibds	NOUN
fsr-3479	192	28	ranges	range	VERB
fsr-3479	192	29	from	from	ADP
fsr-3479	192	30	3.25	3.25	NUM
fsr-3479	192	31	%	%	NOUN
fsr-3479	192	32	for	for	ADP
fsr-3479	192	33	tamps	tamp	NOUN
fsr-3479	192	34	and	and	CCONJ
fsr-3479	192	35	4.53	4.53	NUM
fsr-3479	192	36	%	%	NOUN
fsr-3479	192	37	for	for	ADP
fsr-3479	192	38	amps	amp	NOUN
fsr-3479	192	39	.	.	PUNCT
fsr-3479	193	1	average	average	ADJ
fsr-3479	193	2	portfolio	portfolio	NOUN
fsr-3479	193	3	risk	risk	NOUN
fsr-3479	193	4	for	for	ADP
fsr-3479	193	5	rias	ria	NOUN
fsr-3479	193	6	and	and	CCONJ
fsr-3479	193	7	ibds	ibds	NOUN
fsr-3479	193	8	range	range	NOUN
fsr-3479	193	9	from	from	ADP
fsr-3479	193	10	3.2	3.2	NUM
fsr-3479	193	11	to	to	ADP
fsr-3479	193	12	3.5	3.5	NUM
fsr-3479	193	13	.	.	PUNCT
fsr-3479	194	1	average	average	ADJ
fsr-3479	194	2	account	account	NOUN
fsr-3479	194	3	sizes	size	NOUN
fsr-3479	194	4	by	by	ADP
fsr-3479	194	5	firm	firm	NOUN
fsr-3479	194	6	vary	vary	VERB
fsr-3479	194	7	quite	quite	ADV
fsr-3479	194	8	widely	widely	ADV
fsr-3479	194	9	,	,	PUNCT
fsr-3479	194	10	from	from	ADP
fsr-3479	194	11	around	around	ADP
fsr-3479	194	12	$	$	SYM
fsr-3479	194	13	250,000	250,000	NUM
fsr-3479	194	14	to	to	ADP
fsr-3479	194	15	over	over	ADP
fsr-3479	194	16	$	$	SYM
fsr-3479	194	17	800,000	800,000	NUM
fsr-3479	194	18	.	.	PUNCT
fsr-3479	195	1	the	the	DET
fsr-3479	195	2	average	average	ADJ
fsr-3479	195	3	fee	fee	NOUN
fsr-3479	195	4	charged	charge	VERB
fsr-3479	195	5	is	be	AUX
fsr-3479	195	6	just	just	ADV
fsr-3479	195	7	under	under	ADP
fsr-3479	195	8	1	1	NUM
fsr-3479	195	9	%	%	NOUN
fsr-3479	195	10	across	across	ADP
fsr-3479	195	11	each	each	PRON
fsr-3479	195	12	of	of	ADP
fsr-3479	195	13	the	the	DET
fsr-3479	195	14	models	model	NOUN
fsr-3479	195	15	,	,	PUNCT
fsr-3479	195	16	and	and	CCONJ
fsr-3479	195	17	the	the	DET
fsr-3479	195	18	number	number	NOUN
fsr-3479	195	19	of	of	ADP
fsr-3479	195	20	advised	advised	ADJ
fsr-3479	195	21	accounts	account	NOUN
fsr-3479	195	22	is	be	AUX
fsr-3479	195	23	considerably	considerably	ADV
fsr-3479	195	24	lower	low	ADJ
fsr-3479	195	25	for	for	ADP
fsr-3479	195	26	rias	ria	NOUN
fsr-3479	195	27	than	than	ADP
fsr-3479	195	28	for	for	ADP
fsr-3479	195	29	ibds	ibds	NOUN
fsr-3479	195	30	.	.	PUNCT
fsr-3479	196	1	to	to	PART
fsr-3479	196	2	explore	explore	VERB
fsr-3479	196	3	the	the	DET
fsr-3479	196	4	relation	relation	NOUN
fsr-3479	196	5	between	between	ADP
fsr-3479	196	6	portfolio	portfolio	NOUN
fsr-3479	196	7	performance	performance	NOUN
fsr-3479	196	8	and	and	CCONJ
fsr-3479	196	9	business	business	NOUN
fsr-3479	196	10	model	model	NOUN
fsr-3479	196	11	(	(	PUNCT
fsr-3479	196	12	ria	ria	PROPN
fsr-3479	196	13	vs.	vs.	X
fsr-3479	196	14	ibd	ibd	PROPN
fsr-3479	196	15	)	)	PUNCT
fsr-3479	196	16	,	,	PUNCT
fsr-3479	196	17	we	we	PRON
fsr-3479	196	18	start	start	VERB
fsr-3479	196	19	by	by	ADP
fsr-3479	196	20	performing	perform	VERB
fsr-3479	196	21	t	t	NOUN
fsr-3479	196	22	-	-	PUNCT
fsr-3479	196	23	tests	test	NOUN
fsr-3479	196	24	on	on	ADP
fsr-3479	196	25	the	the	DET
fsr-3479	196	26	average	average	ADJ
fsr-3479	196	27	returns	return	NOUN
fsr-3479	196	28	for	for	ADP
fsr-3479	196	29	each	each	PRON
fsr-3479	196	30	of	of	ADP
fsr-3479	196	31	the	the	DET
fsr-3479	196	32	nine	nine	NUM
fsr-3479	196	33	models	model	NOUN
fsr-3479	196	34	(	(	PUNCT
fsr-3479	196	35	i.e.	i.e.	X
fsr-3479	196	36	,	,	PUNCT
fsr-3479	196	37	three	three	NUM
fsr-3479	196	38	reporting	reporting	NOUN
fsr-3479	196	39	time	time	NOUN
fsr-3479	196	40	periods	period	VERB
fsr-3479	196	41	for	for	ADP
fsr-3479	196	42	each	each	PRON
fsr-3479	196	43	of	of	ADP
fsr-3479	196	44	the	the	DET
fsr-3479	196	45	three	three	NUM
fsr-3479	196	46	portfolio	portfolio	NOUN
fsr-3479	196	47	management	management	NOUN
fsr-3479	196	48	approaches	approach	NOUN
fsr-3479	196	49	)	)	PUNCT
fsr-3479	196	50	.	.	PUNCT
fsr-3479	197	1	the	the	DET
fsr-3479	197	2	results	result	NOUN
fsr-3479	197	3	are	be	AUX
fsr-3479	197	4	displayed	display	VERB
fsr-3479	197	5	in	in	ADP
fsr-3479	197	6	table	table	NOUN
fsr-3479	197	7	2	2	NUM
fsr-3479	197	8	.	.	NOUN
fsr-3479	197	9	four	four	NUM
fsr-3479	197	10	of	of	ADP
fsr-3479	197	11	the	the	DET
fsr-3479	197	12	nine	nine	NUM
fsr-3479	197	13	models	model	NOUN
fsr-3479	197	14	had	have	VERB
fsr-3479	197	15	a	a	DET
fsr-3479	197	16	statistically	statistically	ADV
fsr-3479	197	17	significant	significant	ADJ
fsr-3479	197	18	difference	difference	NOUN
fsr-3479	197	19	in	in	ADP
fsr-3479	197	20	the	the	DET
fsr-3479	197	21	mean	mean	ADJ
fsr-3479	197	22	return	return	NOUN
fsr-3479	197	23	between	between	ADP
fsr-3479	197	24	rias	ria	NOUN
fsr-3479	197	25	and	and	CCONJ
fsr-3479	197	26	ibds	ibds	NOUN
fsr-3479	197	27	.	.	PUNCT
fsr-3479	198	1	in	in	ADP
fsr-3479	198	2	each	each	PRON
fsr-3479	198	3	of	of	ADP
fsr-3479	198	4	these	these	DET
fsr-3479	198	5	instances	instance	NOUN
fsr-3479	198	6	,	,	PUNCT
fsr-3479	198	7	including	include	VERB
fsr-3479	198	8	all	all	DET
fsr-3479	198	9	three	three	NUM
fsr-3479	198	10	tamp	tamp	ADJ
fsr-3479	198	11	models	model	NOUN
fsr-3479	198	12	,	,	PUNCT
fsr-3479	198	13	the	the	DET
fsr-3479	198	14	returns	return	NOUN
fsr-3479	198	15	of	of	ADP
fsr-3479	198	16	the	the	DET
fsr-3479	198	17	rias	ria	NOUN
fsr-3479	198	18	were	be	AUX
fsr-3479	198	19	higher	high	ADJ
fsr-3479	198	20	.	.	PUNCT
fsr-3479	199	1	before	before	ADP
fsr-3479	199	2	analyzing	analyze	VERB
fsr-3479	199	3	the	the	DET
fsr-3479	199	4	full	full	ADJ
fsr-3479	199	5	empirical	empirical	ADJ
fsr-3479	199	6	model	model	NOUN
fsr-3479	199	7	described	describe	VERB
fsr-3479	199	8	previously	previously	ADV
fsr-3479	199	9	,	,	PUNCT
fsr-3479	199	10	we	we	PRON
fsr-3479	199	11	performed	perform	VERB
fsr-3479	199	12	a	a	DET
fsr-3479	199	13	series	series	NOUN
fsr-3479	199	14	of	of	ADP
fsr-3479	199	15	simplified	simplified	ADJ
fsr-3479	199	16	regression	regression	NOUN
fsr-3479	199	17	models	model	NOUN
fsr-3479	199	18	,	,	PUNCT
fsr-3479	199	19	as	as	SCONJ
fsr-3479	199	20	indicated	indicate	VERB
fsr-3479	199	21	in	in	ADP
fsr-3479	199	22	table	table	NOUN
fsr-3479	199	23	3	3	NUM
fsr-3479	199	24	.	.	PUNCT
fsr-3479	200	1	the	the	DET
fsr-3479	200	2	initial	initial	ADJ
fsr-3479	200	3	model	model	NOUN
fsr-3479	200	4	,	,	PUNCT
fsr-3479	200	5	regression	regression	VERB
fsr-3479	200	6	#	#	SYM
fsr-3479	200	7	1	1	NUM
fsr-3479	200	8	,	,	PUNCT
fsr-3479	200	9	is	be	AUX
fsr-3479	200	10	a	a	DET
fsr-3479	200	11	simple	simple	ADJ
fsr-3479	200	12	regression	regression	NOUN
fsr-3479	200	13	consisting	consist	VERB
fsr-3479	200	14	of	of	ADP
fsr-3479	200	15	investment	investment	NOUN
fsr-3479	200	16	performance	performance	NOUN
fsr-3479	200	17	as	as	ADP
fsr-3479	200	18	the	the	DET
fsr-3479	200	19	dependent	dependent	ADJ
fsr-3479	200	20	variable	variable	NOUN
fsr-3479	200	21	and	and	CCONJ
fsr-3479	200	22	the	the	DET
fsr-3479	200	23	key	key	ADJ
fsr-3479	200	24	variable	variable	NOUN
fsr-3479	200	25	of	of	ADP
fsr-3479	200	26	interest	interest	NOUN
fsr-3479	200	27	,	,	PUNCT
fsr-3479	200	28	ria	ria	PROPN
fsr-3479	200	29	,	,	PUNCT
fsr-3479	200	30	as	as	ADP
fsr-3479	200	31	the	the	DET
fsr-3479	200	32	only	only	ADJ
fsr-3479	200	33	independent	independent	ADJ
fsr-3479	200	34	variable	variable	NOUN
fsr-3479	200	35	.	.	PUNCT
fsr-3479	201	1	regression	regression	NOUN
fsr-3479	201	2	#	#	SYM
fsr-3479	201	3	2	2	NUM
fsr-3479	201	4	adds	add	VERB
fsr-3479	201	5	portfolio	portfolio	NOUN
fsr-3479	201	6	risk	risk	NOUN
fsr-3479	201	7	as	as	ADP
fsr-3479	201	8	an	an	DET
fsr-3479	201	9	independent	independent	ADJ
fsr-3479	201	10	variable	variable	NOUN
fsr-3479	201	11	.	.	PUNCT
fsr-3479	202	1	regression	regression	NOUN
fsr-3479	202	2	#	#	SYM
fsr-3479	202	3	3	3	NUM
fsr-3479	202	4	builds	build	VERB
fsr-3479	202	5	on	on	ADP
fsr-3479	202	6	the	the	DET
fsr-3479	202	7	previous	previous	ADJ
fsr-3479	202	8	model	model	NOUN
fsr-3479	202	9	by	by	ADP
fsr-3479	202	10	adding	add	VERB
fsr-3479	202	11	an	an	DET
fsr-3479	202	12	interaction	interaction	NOUN
fsr-3479	202	13	variable	variable	NOUN
fsr-3479	202	14	of	of	ADP
fsr-3479	202	15	ria	ria	PROPN
fsr-3479	202	16	and	and	CCONJ
fsr-3479	202	17	portfolio	portfolio	NOUN
fsr-3479	202	18	risk	risk	NOUN
fsr-3479	202	19	.	.	PUNCT
fsr-3479	203	1	finally	finally	ADV
fsr-3479	203	2	,	,	PUNCT
fsr-3479	203	3	regression	regression	VERB
fsr-3479	203	4	#	#	SYM
fsr-3479	203	5	4	4	NUM
fsr-3479	203	6	incorporates	incorporate	VERB
fsr-3479	203	7	all	all	DET
fsr-3479	203	8	the	the	DET
fsr-3479	203	9	control	control	NOUN
fsr-3479	203	10	variables	variable	NOUN
fsr-3479	203	11	,	,	PUNCT
fsr-3479	203	12	including	include	VERB
fsr-3479	203	13	the	the	DET
fsr-3479	203	14	average	average	ADJ
fsr-3479	203	15	advisor	advisor	NOUN
fsr-3479	203	16	fee	fee	NOUN
fsr-3479	203	17	,	,	PUNCT
fsr-3479	203	18	the	the	DET
fsr-3479	203	19	natural	natural	ADJ
fsr-3479	203	20	log	log	NOUN
fsr-3479	203	21	of	of	ADP
fsr-3479	203	22	average	average	ADJ
fsr-3479	203	23	account	account	NOUN
fsr-3479	203	24	size	size	NOUN
fsr-3479	203	25	,	,	PUNCT
fsr-3479	203	26	and	and	CCONJ
fsr-3479	203	27	the	the	DET
fsr-3479	203	28	number	number	NOUN
fsr-3479	203	29	of	of	ADP
fsr-3479	203	30	accounts	account	NOUN
fsr-3479	203	31	.	.	PUNCT
fsr-3479	204	1	each	each	DET
fsr-3479	204	2	regression	regression	NOUN
fsr-3479	204	3	model	model	NOUN
fsr-3479	204	4	was	be	AUX
fsr-3479	204	5	run	run	VERB
fsr-3479	204	6	separately	separately	ADV
fsr-3479	204	7	on	on	ADP
fsr-3479	204	8	nine	nine	NUM
fsr-3479	204	9	subsamples	subsample	NOUN
fsr-3479	204	10	,	,	PUNCT
fsr-3479	204	11	one	one	NUM
fsr-3479	204	12	for	for	ADP
fsr-3479	204	13	each	each	PRON
fsr-3479	204	14	of	of	ADP
fsr-3479	204	15	the	the	DET
fsr-3479	204	16	three	three	NUM
fsr-3479	204	17	portfolio	portfolio	NOUN
fsr-3479	204	18	management	management	NOUN
fsr-3479	204	19	approaches	approach	NOUN
fsr-3479	204	20	(	(	PUNCT
fsr-3479	204	21	amp	amp	PROPN
fsr-3479	204	22	,	,	PUNCT
fsr-3479	204	23	uma	uma	PROPN
fsr-3479	204	24	,	,	PUNCT
fsr-3479	204	25	and	and	CCONJ
fsr-3479	204	26	tamp	tamp	NOUN
fsr-3479	204	27	)	)	PUNCT
fsr-3479	204	28	for	for	ADP
fsr-3479	204	29	each	each	PRON
fsr-3479	204	30	of	of	ADP
fsr-3479	204	31	the	the	DET
fsr-3479	204	32	three	three	NUM
fsr-3479	204	33	time	time	NOUN
fsr-3479	204	34	periods	period	NOUN
fsr-3479	204	35	(	(	PUNCT
fsr-3479	204	36	one-	one-	NUM
fsr-3479	204	37	,	,	PUNCT
fsr-3479	204	38	three-	three-	ADJ
fsr-3479	204	39	,	,	PUNCT
fsr-3479	204	40	and	and	CCONJ
fsr-3479	204	41	five	five	NUM
fsr-3479	204	42	-	-	PUNCT
fsr-3479	204	43	year	year	NOUN
fsr-3479	204	44	)	)	PUNCT
fsr-3479	204	45	.	.	PUNCT
fsr-3479	205	1	table	table	NOUN
fsr-3479	205	2	4	4	NUM
fsr-3479	205	3	shows	show	VERB
fsr-3479	205	4	the	the	DET
fsr-3479	205	5	results	result	NOUN
fsr-3479	205	6	for	for	ADP
fsr-3479	205	7	regression	regression	NOUN
fsr-3479	205	8	#	#	SYM
fsr-3479	205	9	1	1	NUM
fsr-3479	205	10	for	for	ADP
fsr-3479	205	11	each	each	PRON
fsr-3479	205	12	of	of	ADP
fsr-3479	205	13	the	the	DET
fsr-3479	205	14	portfolio	portfolio	NOUN
fsr-3479	205	15	management	management	NOUN
fsr-3479	205	16	approaches	approach	NOUN
fsr-3479	205	17	in	in	ADP
fsr-3479	205	18	each	each	PRON
fsr-3479	205	19	of	of	ADP
fsr-3479	205	20	the	the	DET
fsr-3479	205	21	three	three	NUM
fsr-3479	205	22	time	time	NOUN
fsr-3479	205	23	periods	period	NOUN
fsr-3479	205	24	.	.	PUNCT
fsr-3479	206	1	the	the	DET
fsr-3479	206	2	main	main	ADJ
fsr-3479	206	3	variable	variable	NOUN
fsr-3479	206	4	of	of	ADP
fsr-3479	206	5	interest	interest	NOUN
fsr-3479	206	6	(	(	PUNCT
fsr-3479	206	7	ria	ria	PROPN
fsr-3479	206	8	)	)	PUNCT
fsr-3479	206	9	is	be	AUX
fsr-3479	206	10	positive	positive	ADJ
fsr-3479	206	11	and	and	CCONJ
fsr-3479	206	12	significant	significant	ADJ
fsr-3479	206	13	in	in	ADP
fsr-3479	206	14	four	four	NUM
fsr-3479	206	15	of	of	ADP
fsr-3479	206	16	the	the	DET
fsr-3479	206	17	models	model	NOUN
fsr-3479	206	18	(	(	PUNCT
fsr-3479	206	19	one	one	NUM
fsr-3479	206	20	-	-	PUNCT
fsr-3479	206	21	year	year	NOUN
fsr-3479	206	22	uma	uma	PROPN
fsr-3479	206	23	,	,	PUNCT
fsr-3479	206	24	and	and	CCONJ
fsr-3479	206	25	all	all	DET
fsr-3479	206	26	three	three	NUM
fsr-3479	206	27	tamp	tamp	ADJ
fsr-3479	206	28	time	time	NOUN
fsr-3479	206	29	periods	period	NOUN
fsr-3479	206	30	)	)	PUNCT
fsr-3479	206	31	,	,	PUNCT
fsr-3479	206	32	consistent	consistent	ADJ
fsr-3479	206	33	with	with	ADP
fsr-3479	206	34	the	the	DET
fsr-3479	206	35	results	result	NOUN
fsr-3479	206	36	in	in	ADP
fsr-3479	206	37	table	table	NOUN
fsr-3479	206	38	2	2	NUM
fsr-3479	206	39	.	.	PUNCT
fsr-3479	207	1	the	the	DET
fsr-3479	207	2	other	other	ADJ
fsr-3479	207	3	regressions	regression	NOUN
fsr-3479	207	4	do	do	AUX
fsr-3479	207	5	not	not	PART
fsr-3479	207	6	have	have	VERB
fsr-3479	207	7	significant	significant	ADJ
fsr-3479	207	8	parameter	parameter	NOUN
fsr-3479	207	9	estimates	estimate	NOUN
fsr-3479	207	10	for	for	ADP
fsr-3479	207	11	rias	rias	PROPN
fsr-3479	207	12	.	.	PUNCT
fsr-3479	208	1	154	154	NUM
fsr-3479	208	2	j.	j.	PROPN
fsr-3479	208	3	e.	e.	PROPN
fsr-3479	208	4	heller	heller	PROPN
fsr-3479	208	5	et	et	PROPN
fsr-3479	208	6	al	al	PROPN
fsr-3479	208	7	.	.	PUNCT
fsr-3479	208	8	/	/	SYM
fsr-3479	208	9	financial	financial	ADJ
fsr-3479	208	10	services	service	NOUN
fsr-3479	208	11	review	review	VERB
fsr-3479	208	12	30	30	NUM
fsr-3479	208	13	(	(	PUNCT
fsr-3479	208	14	2022	2022	NUM
fsr-3479	208	15	)	)	PUNCT
fsr-3479	209	1	145–164	145–164	NUM
fsr-3479	209	2	t	t	PROPN
fsr-3479	209	3	ab	ab	X
fsr-3479	209	4	le	le	PROPN
fsr-3479	209	5	1	1	PROPN
fsr-3479	209	6	d	d	PROPN
fsr-3479	209	7	es	es	ADP
fsr-3479	209	8	cr	cr	ADP
fsr-3479	209	9	ip	ip	PROPN
fsr-3479	209	10	ti	ti	PROPN
fsr-3479	209	11	v	v	ADP
fsr-3479	209	12	e	e	PROPN
fsr-3479	209	13	st	st	PROPN
fsr-3479	209	14	at	at	ADP
fsr-3479	209	15	is	be	AUX
fsr-3479	209	16	ti	ti	X
fsr-3479	209	17	cs	cs	ADJ
fsr-3479	209	18	fo	fo	ADP
fsr-3479	209	19	r	r	NOUN
fsr-3479	209	20	th	th	X
fsr-3479	209	21	e	e	X
fsr-3479	209	22	o	o	NOUN
fsr-3479	209	23	n	n	CCONJ
fsr-3479	209	24	ey	ey	PROPN
fsr-3479	209	25	ea	ea	NOUN
fsr-3479	209	26	r	r	NOUN
fsr-3479	209	27	sa	sa	NOUN
fsr-3479	209	28	m	m	PROPN
fsr-3479	209	29	p	p	X
fsr-3479	209	30	le	le	X
fsr-3479	209	31	,	,	PUNCT
fsr-3479	209	32	se	se	X
fsr-3479	209	33	p	p	PROPN
fsr-3479	209	34	ar	ar	PROPN
fsr-3479	209	35	at	at	ADP
fsr-3479	209	36	ed	ed	PROPN
fsr-3479	209	37	b	b	PROPN
fsr-3479	210	1	y	y	PROPN
fsr-3479	210	2	p	p	X
fsr-3479	211	1	o	o	X
fsr-3479	211	2	rt	rt	INTJ
fsr-3479	211	3	fo	fo	INTJ
fsr-3479	211	4	li	li	PROPN
fsr-3479	212	1	o	o	PROPN
fsr-3479	212	2	m	m	VERB
fsr-3479	212	3	an	an	DET
fsr-3479	212	4	ag	ag	PROPN
fsr-3479	212	5	em	em	PRON
fsr-3479	212	6	en	en	PROPN
fsr-3479	212	7	t	t	PROPN
fsr-3479	212	8	ap	ap	PROPN
fsr-3479	213	1	p	p	PROPN
fsr-3479	213	2	ro	ro	INTJ
fsr-3479	213	3	ac	ac	PROPN
fsr-3479	213	4	h	h	PROPN
fsr-3479	213	5	(	(	PUNCT
fsr-3479	213	6	a	a	DET
fsr-3479	213	7	m	m	NOUN
fsr-3479	213	8	p	p	NOUN
fsr-3479	213	9	,	,	PUNCT
fsr-3479	213	10	u	u	NOUN
fsr-3479	213	11	m	m	VERB
fsr-3479	213	12	a	a	PRON
fsr-3479	213	13	,	,	PUNCT
fsr-3479	213	14	an	an	DET
fsr-3479	213	15	d	d	X
fsr-3479	213	16	t	t	PROPN
fsr-3479	213	17	a	a	DET
fsr-3479	213	18	m	m	NOUN
fsr-3479	213	19	p	p	NOUN
fsr-3479	213	20	)	)	PUNCT
fsr-3479	213	21	an	an	DET
fsr-3479	213	22	d	d	PROPN
fsr-3479	213	23	b	b	PROPN
fsr-3479	213	24	y	y	PROPN
fsr-3479	213	25	d	d	PROPN
fsr-3479	213	26	is	be	AUX
fsr-3479	213	27	tr	tr	VERB
fsr-3479	213	28	ib	ib	NOUN
fsr-3479	213	29	u	u	NOUN
fsr-3479	213	30	ti	ti	NOUN
fsr-3479	213	31	o	o	NOUN
fsr-3479	213	32	n	n	NUM
fsr-3479	213	33	ch	ch	NOUN
fsr-3479	213	34	an	an	PRON
fsr-3479	213	35	n	n	PROPN
fsr-3479	213	36	el	el	PROPN
fsr-3479	213	37	(	(	PUNCT
fsr-3479	213	38	r	r	PROPN
fsr-3479	213	39	ia	ia	PROPN
fsr-3479	213	40	,	,	PUNCT
fsr-3479	213	41	ib	ib	PROPN
fsr-3479	213	42	d	d	PROPN
fsr-3479	213	43	)	)	PUNCT
fsr-3479	213	44	a	a	DET
fsr-3479	213	45	m	m	NOUN
fsr-3479	213	46	p	p	X
fsr-3479	213	47	u	u	NOUN
fsr-3479	213	48	m	m	PROPN
fsr-3479	213	49	a	a	DET
fsr-3479	213	50	t	t	NOUN
fsr-3479	213	51	a	a	DET
fsr-3479	213	52	m	m	NOUN
fsr-3479	213	53	p	p	NOUN
fsr-3479	213	54	r	r	X
fsr-3479	213	55	ia	ia	NOUN
fsr-3479	214	1	ib	ib	NOUN
fsr-3479	214	2	d	d	PROPN
fsr-3479	214	3	r	r	PROPN
fsr-3479	214	4	ia	ia	PROPN
fsr-3479	214	5	ib	ib	NOUN
fsr-3479	214	6	d	d	PROPN
fsr-3479	214	7	r	r	PROPN
fsr-3479	214	8	ia	ia	PROPN
fsr-3479	214	9	ib	ib	PROPN
fsr-3479	214	10	d	d	PROPN
fsr-3479	214	11	a	a	DET
fsr-3479	214	12	v	v	PROPN
fsr-3479	214	13	er	er	INTJ
fsr-3479	214	14	ag	ag	PROPN
fsr-3479	214	15	e	e	PROPN
fsr-3479	214	16	re	re	ADP
fsr-3479	214	17	tu	tu	PROPN
fsr-3479	214	18	rn	rn	PROPN
fsr-3479	214	19	4	4	NUM
fsr-3479	214	20	.3	.3	NUM
fsr-3479	214	21	5	5	NUM
fsr-3479	214	22	%	%	NOUN
fsr-3479	214	23	4	4	NUM
fsr-3479	214	24	.5	.5	NUM
fsr-3479	214	25	3	3	NUM
fsr-3479	214	26	%	%	NOUN
fsr-3479	214	27	3	3	NUM
fsr-3479	214	28	.6	.6	NUM
fsr-3479	214	29	0	0	NUM
fsr-3479	215	1	%	%	NOUN
fsr-3479	215	2	3	3	NUM
fsr-3479	215	3	.3	.3	NUM
fsr-3479	215	4	1	1	NUM
fsr-3479	215	5	%	%	NOUN
fsr-3479	215	6	4	4	NUM
fsr-3479	215	7	.1	.1	NUM
fsr-3479	215	8	7	7	NUM
fsr-3479	215	9	%	%	NOUN
fsr-3479	215	10	3	3	NUM
fsr-3479	215	11	.2	.2	NUM
fsr-3479	215	12	5	5	NUM
fsr-3479	215	13	%	%	NOUN
fsr-3479	216	1	p	p	NOUN
fsr-3479	216	2	o	o	INTJ
fsr-3479	216	3	rt	rt	INTJ
fsr-3479	216	4	fo	fo	INTJ
fsr-3479	216	5	li	li	PROPN
fsr-3479	217	1	o	o	INTJ
fsr-3479	217	2	ri	ri	PROPN
fsr-3479	217	3	sk	sk	VERB
fsr-3479	217	4	3	3	NUM
fsr-3479	217	5	.2	.2	NUM
fsr-3479	217	6	3	3	NUM
fsr-3479	217	7	.2	.2	NUM
fsr-3479	217	8	3	3	NUM
fsr-3479	217	9	.5	.5	NUM
fsr-3479	217	10	3	3	NUM
fsr-3479	217	11	.3	.3	NUM
fsr-3479	217	12	3	3	NUM
fsr-3479	217	13	.3	.3	NUM
fsr-3479	217	14	3	3	NUM
fsr-3479	217	15	.2	.2	NUM
fsr-3479	217	16	a	a	DET
fsr-3479	217	17	v	v	PROPN
fsr-3479	217	18	er	er	INTJ
fsr-3479	217	19	ag	ag	PROPN
fsr-3479	217	20	e	e	PROPN
fsr-3479	217	21	ac	ac	PROPN
fsr-3479	217	22	co	co	PROPN
fsr-3479	217	23	u	u	PROPN
fsr-3479	217	24	n	n	ADP
fsr-3479	217	25	t	t	X
fsr-3479	217	26	si	si	X
fsr-3479	217	27	ze	ze	PROPN
fsr-3479	217	28	$	$	SYM
fsr-3479	217	29	4	4	NUM
fsr-3479	217	30	3	3	NUM
fsr-3479	217	31	2	2	NUM
fsr-3479	217	32	,	,	PUNCT
fsr-3479	217	33	7	7	NUM
fsr-3479	217	34	6	6	NUM
fsr-3479	217	35	2	2	NUM
fsr-3479	217	36	$	$	SYM
fsr-3479	217	37	3	3	NUM
fsr-3479	217	38	7	7	NUM
fsr-3479	217	39	7	7	NUM
fsr-3479	217	40	,	,	PUNCT
fsr-3479	217	41	1	1	NUM
fsr-3479	217	42	7	7	NUM
fsr-3479	217	43	6	6	NUM
fsr-3479	217	44	$	$	SYM
fsr-3479	217	45	8	8	NUM
fsr-3479	217	46	2	2	NUM
fsr-3479	217	47	4	4	NUM
fsr-3479	217	48	,	,	PUNCT
fsr-3479	217	49	5	5	NUM
fsr-3479	217	50	5	5	NUM
fsr-3479	217	51	9	9	NUM
fsr-3479	217	52	$	$	SYM
fsr-3479	217	53	4	4	NUM
fsr-3479	217	54	3	3	NUM
fsr-3479	217	55	7	7	NUM
fsr-3479	217	56	,	,	PUNCT
fsr-3479	217	57	2	2	NUM
fsr-3479	217	58	6	6	NUM
fsr-3479	217	59	6	6	NUM
fsr-3479	217	60	$	$	SYM
fsr-3479	217	61	3	3	NUM
fsr-3479	217	62	8	8	NUM
fsr-3479	217	63	9	9	NUM
fsr-3479	217	64	,	,	PUNCT
fsr-3479	217	65	0	0	NUM
fsr-3479	217	66	5	5	NUM
fsr-3479	217	67	9	9	NUM
fsr-3479	217	68	$	$	SYM
fsr-3479	217	69	2	2	NUM
fsr-3479	217	70	5	5	NUM
fsr-3479	217	71	0	0	NUM
fsr-3479	217	72	,	,	PUNCT
fsr-3479	217	73	6	6	NUM
fsr-3479	217	74	9	9	NUM
fsr-3479	217	75	3	3	NUM
fsr-3479	217	76	a	a	DET
fsr-3479	217	77	d	d	NOUN
fsr-3479	217	78	v	v	NOUN
fsr-3479	217	79	is	be	AUX
fsr-3479	217	80	o	o	NOUN
fsr-3479	217	81	r	r	NOUN
fsr-3479	217	82	fe	fe	X
fsr-3479	217	83	e	e	X
fsr-3479	217	84	0	0	PROPN
fsr-3479	218	1	.9	.9	NUM
fsr-3479	218	2	9	9	NUM
fsr-3479	218	3	%	%	NOUN
fsr-3479	218	4	0	0	NUM
fsr-3479	219	1	.9	.9	NUM
fsr-3479	219	2	7	7	NUM
fsr-3479	219	3	%	%	NOUN
fsr-3479	219	4	0	0	NUM
fsr-3479	220	1	.9	.9	NUM
fsr-3479	220	2	0	0	NUM
fsr-3479	220	3	%	%	NOUN
fsr-3479	220	4	0	0	NUM
fsr-3479	221	1	.9	.9	NUM
fsr-3479	221	2	4	4	NUM
fsr-3479	221	3	%	%	NOUN
fsr-3479	221	4	0	0	NUM
fsr-3479	222	1	.9	.9	NUM
fsr-3479	222	2	9	9	NUM
fsr-3479	222	3	%	%	NOUN
fsr-3479	222	4	0	0	NUM
fsr-3479	223	1	.9	.9	NUM
fsr-3479	223	2	3	3	NUM
fsr-3479	223	3	%	%	NOUN
fsr-3479	223	4	n	n	PRON
fsr-3479	223	5	o	o	NOUN
fsr-3479	223	6	.	.	PUNCT
fsr-3479	224	1	o	o	X
fsr-3479	224	2	f	f	PROPN
fsr-3479	225	1	ad	ad	NOUN
fsr-3479	225	2	v	v	NOUN
fsr-3479	225	3	is	be	AUX
fsr-3479	225	4	o	o	PROPN
fsr-3479	225	5	r	r	NOUN
fsr-3479	225	6	ac	ac	NOUN
fsr-3479	225	7	co	co	PROPN
fsr-3479	225	8	u	u	PROPN
fsr-3479	225	9	n	n	PROPN
fsr-3479	225	10	ts	ts	ADP
fsr-3479	225	11	7	7	NUM
fsr-3479	225	12	6	6	NUM
fsr-3479	225	13	2	2	NUM
fsr-3479	225	14	9	9	NUM
fsr-3479	225	15	0	0	NUM
fsr-3479	225	16	3	3	NUM
fsr-3479	225	17	9	9	NUM
fsr-3479	225	18	2	2	NUM
fsr-3479	225	19	7	7	NUM
fsr-3479	225	20	4	4	NUM
fsr-3479	225	21	5	5	NUM
fsr-3479	225	22	3	3	NUM
fsr-3479	225	23	2	2	NUM
fsr-3479	225	24	3	3	NUM
fsr-3479	225	25	2	2	NUM
fsr-3479	225	26	n	n	PRON
fsr-3479	225	27	4	4	NUM
fsr-3479	225	28	1	1	NUM
fsr-3479	225	29	3	3	NUM
fsr-3479	225	30	1	1	NUM
fsr-3479	225	31	,	,	PUNCT
fsr-3479	225	32	1	1	NUM
fsr-3479	225	33	7	7	NUM
fsr-3479	225	34	2	2	NUM
fsr-3479	225	35	7	7	NUM
fsr-3479	225	36	2	2	NUM
fsr-3479	225	37	4	4	NUM
fsr-3479	225	38	7	7	NUM
fsr-3479	225	39	6	6	NUM
fsr-3479	225	40	0	0	NUM
fsr-3479	225	41	1	1	NUM
fsr-3479	225	42	,	,	PUNCT
fsr-3479	225	43	5	5	NUM
fsr-3479	225	44	8	8	NUM
fsr-3479	225	45	8	8	NUM
fsr-3479	225	46	2	2	NUM
fsr-3479	225	47	,	,	PUNCT
fsr-3479	225	48	2	2	NUM
fsr-3479	225	49	0	0	NUM
fsr-3479	225	50	1	1	NUM
fsr-3479	225	51	j.	j.	PROPN
fsr-3479	225	52	e.	e.	PROPN
fsr-3479	225	53	heller	heller	PROPN
fsr-3479	225	54	et	et	PROPN
fsr-3479	225	55	al	al	PROPN
fsr-3479	225	56	.	.	PUNCT
fsr-3479	225	57	/	/	SYM
fsr-3479	225	58	financial	financial	ADJ
fsr-3479	225	59	services	service	NOUN
fsr-3479	225	60	review	review	VERB
fsr-3479	225	61	30	30	NUM
fsr-3479	225	62	(	(	PUNCT
fsr-3479	225	63	2022	2022	NUM
fsr-3479	225	64	)	)	PUNCT
fsr-3479	225	65	145–164	145–164	NUM
fsr-3479	225	66	155	155	NUM
fsr-3479	225	67	table	table	NOUN
fsr-3479	225	68	5	5	NUM
fsr-3479	225	69	shows	show	VERB
fsr-3479	225	70	the	the	DET
fsr-3479	225	71	results	result	NOUN
fsr-3479	225	72	using	use	VERB
fsr-3479	225	73	regression	regression	NOUN
fsr-3479	225	74	#	#	SYM
fsr-3479	225	75	2	2	NUM
fsr-3479	225	76	,	,	PUNCT
fsr-3479	225	77	which	which	PRON
fsr-3479	225	78	adds	add	VERB
fsr-3479	225	79	portfolio	portfolio	NOUN
fsr-3479	225	80	risk	risk	NOUN
fsr-3479	225	81	as	as	ADP
fsr-3479	225	82	an	an	DET
fsr-3479	225	83	independent	independent	ADJ
fsr-3479	225	84	variable	variable	NOUN
fsr-3479	225	85	.	.	PUNCT
fsr-3479	226	1	portfolio	portfolio	NOUN
fsr-3479	226	2	risk	risk	NOUN
fsr-3479	226	3	is	be	AUX
fsr-3479	226	4	significant	significant	ADJ
fsr-3479	226	5	in	in	ADP
fsr-3479	226	6	all	all	PRON
fsr-3479	226	7	but	but	SCONJ
fsr-3479	226	8	one	one	NUM
fsr-3479	226	9	of	of	ADP
fsr-3479	226	10	the	the	DET
fsr-3479	226	11	regressions	regression	NOUN
fsr-3479	226	12	.	.	PUNCT
fsr-3479	227	1	the	the	DET
fsr-3479	227	2	parameter	parameter	NOUN
fsr-3479	227	3	estimates	estimate	VERB
fsr-3479	227	4	for	for	ADP
fsr-3479	227	5	rias	ria	NOUN
fsr-3479	227	6	in	in	ADP
fsr-3479	227	7	each	each	PRON
fsr-3479	227	8	of	of	ADP
fsr-3479	227	9	the	the	DET
fsr-3479	227	10	three	three	NUM
fsr-3479	227	11	tamp	tamp	ADJ
fsr-3479	227	12	time	time	NOUN
fsr-3479	227	13	periods	period	NOUN
fsr-3479	227	14	are	be	AUX
fsr-3479	227	15	positive	positive	ADJ
fsr-3479	227	16	and	and	CCONJ
fsr-3479	227	17	significant	significant	ADJ
fsr-3479	227	18	.	.	PUNCT
fsr-3479	228	1	the	the	DET
fsr-3479	228	2	parameter	parameter	NOUN
fsr-3479	228	3	estimate	estimate	NOUN
fsr-3479	228	4	for	for	ADP
fsr-3479	228	5	rias	ria	NOUN
fsr-3479	228	6	in	in	ADP
fsr-3479	228	7	the	the	DET
fsr-3479	228	8	one	one	NUM
fsr-3479	228	9	-	-	PUNCT
fsr-3479	228	10	year	year	NOUN
fsr-3479	228	11	uma	uma	PROPN
fsr-3479	228	12	time	time	NOUN
fsr-3479	228	13	period	period	NOUN
fsr-3479	228	14	is	be	AUX
fsr-3479	228	15	still	still	ADV
fsr-3479	228	16	positive	positive	ADJ
fsr-3479	228	17	but	but	CCONJ
fsr-3479	228	18	is	be	AUX
fsr-3479	228	19	no	no	PRON
fsr-3479	228	20	longer	long	ADV
fsr-3479	228	21	significant	significant	ADJ
fsr-3479	228	22	.	.	PUNCT
fsr-3479	229	1	once	once	SCONJ
fsr-3479	229	2	we	we	PRON
fsr-3479	229	3	control	control	VERB
fsr-3479	229	4	for	for	ADP
fsr-3479	229	5	portfolio	portfolio	NOUN
fsr-3479	229	6	risk	risk	NOUN
fsr-3479	229	7	,	,	PUNCT
fsr-3479	229	8	the	the	DET
fsr-3479	229	9	parameter	parameter	NOUN
fsr-3479	229	10	estimate	estimate	NOUN
fsr-3479	229	11	for	for	ADP
fsr-3479	229	12	rias	ria	NOUN
fsr-3479	229	13	in	in	ADP
fsr-3479	229	14	the	the	DET
fsr-3479	229	15	three	three	NUM
fsr-3479	229	16	-	-	PUNCT
fsr-3479	229	17	year	year	NOUN
fsr-3479	229	18	amp	amp	NOUN
fsr-3479	229	19	and	and	CCONJ
fsr-3479	229	20	uma	uma	PROPN
fsr-3479	229	21	models	model	NOUN
fsr-3479	229	22	are	be	AUX
fsr-3479	229	23	now	now	ADV
fsr-3479	229	24	significant	significant	ADJ
fsr-3479	229	25	and	and	CCONJ
fsr-3479	229	26	negative	negative	ADJ
fsr-3479	229	27	.	.	PUNCT
fsr-3479	230	1	table	table	NOUN
fsr-3479	230	2	6	6	NUM
fsr-3479	230	3	shows	show	VERB
fsr-3479	230	4	the	the	DET
fsr-3479	230	5	results	result	NOUN
fsr-3479	230	6	using	use	VERB
fsr-3479	230	7	regression	regression	NOUN
fsr-3479	230	8	#	#	SYM
fsr-3479	230	9	3	3	NUM
fsr-3479	230	10	,	,	PUNCT
fsr-3479	230	11	which	which	PRON
fsr-3479	230	12	adds	add	VERB
fsr-3479	230	13	the	the	DET
fsr-3479	230	14	interaction	interaction	NOUN
fsr-3479	230	15	variable	variable	NOUN
fsr-3479	230	16	of	of	ADP
fsr-3479	230	17	ria	ria	PROPN
fsr-3479	230	18	and	and	CCONJ
fsr-3479	230	19	portfolio	portfolio	NOUN
fsr-3479	230	20	risk	risk	NOUN
fsr-3479	230	21	as	as	ADP
fsr-3479	230	22	another	another	DET
fsr-3479	230	23	independent	independent	ADJ
fsr-3479	230	24	variable	variable	NOUN
fsr-3479	230	25	.	.	PUNCT
fsr-3479	231	1	in	in	ADP
fsr-3479	231	2	all	all	PRON
fsr-3479	231	3	but	but	SCONJ
fsr-3479	231	4	two	two	NUM
fsr-3479	231	5	of	of	ADP
fsr-3479	231	6	these	these	DET
fsr-3479	231	7	regressions	regression	NOUN
fsr-3479	231	8	(	(	PUNCT
fsr-3479	231	9	the	the	DET
fsr-3479	231	10	one	one	NUM
fsr-3479	231	11	-	-	PUNCT
fsr-3479	231	12	year	year	NOUN
fsr-3479	231	13	amp	amp	NOUN
fsr-3479	231	14	and	and	CCONJ
fsr-3479	231	15	the	the	DET
fsr-3479	231	16	five	five	NUM
fsr-3479	231	17	-	-	PUNCT
fsr-3479	231	18	year	year	NOUN
fsr-3479	231	19	tamp	tamp	NOUN
fsr-3479	231	20	)	)	PUNCT
fsr-3479	231	21	,	,	PUNCT
fsr-3479	231	22	the	the	DET
fsr-3479	231	23	parameter	parameter	NOUN
fsr-3479	231	24	estimate	estimate	NOUN
fsr-3479	231	25	for	for	ADP
fsr-3479	231	26	ria	ria	PROPN
fsr-3479	231	27	is	be	AUX
fsr-3479	231	28	now	now	ADV
fsr-3479	231	29	significant	significant	ADJ
fsr-3479	231	30	and	and	CCONJ
fsr-3479	231	31	negative	negative	ADJ
fsr-3479	231	32	.	.	PUNCT
fsr-3479	232	1	however	however	ADV
fsr-3479	232	2	,	,	PUNCT
fsr-3479	232	3	the	the	DET
fsr-3479	232	4	parameter	parameter	NOUN
fsr-3479	232	5	estimate	estimate	NOUN
fsr-3479	232	6	for	for	ADP
fsr-3479	232	7	the	the	DET
fsr-3479	232	8	interaction	interaction	NOUN
fsr-3479	232	9	variable	variable	NOUN
fsr-3479	232	10	is	be	AUX
fsr-3479	232	11	also	also	ADV
fsr-3479	232	12	significant	significant	ADJ
fsr-3479	232	13	but	but	CCONJ
fsr-3479	232	14	positive	positive	ADJ
fsr-3479	232	15	in	in	ADP
fsr-3479	232	16	all	all	PRON
fsr-3479	232	17	but	but	SCONJ
fsr-3479	232	18	two	two	NUM
fsr-3479	232	19	of	of	ADP
fsr-3479	232	20	the	the	DET
fsr-3479	232	21	regressions	regression	NOUN
fsr-3479	232	22	,	,	PUNCT
fsr-3479	232	23	suggesting	suggest	VERB
fsr-3479	232	24	the	the	DET
fsr-3479	232	25	relationship	relationship	NOUN
fsr-3479	232	26	between	between	ADP
fsr-3479	232	27	rias	ria	NOUN
fsr-3479	232	28	and	and	CCONJ
fsr-3479	232	29	investment	investment	NOUN
fsr-3479	232	30	returns	return	NOUN
fsr-3479	232	31	includes	include	VERB
fsr-3479	232	32	a	a	DET
fsr-3479	232	33	marginal	marginal	ADJ
fsr-3479	232	34	effect	effect	NOUN
fsr-3479	232	35	dependent	dependent	ADJ
fsr-3479	232	36	on	on	ADP
fsr-3479	232	37	the	the	DET
fsr-3479	232	38	risk	risk	NOUN
fsr-3479	232	39	of	of	ADP
fsr-3479	232	40	the	the	DET
fsr-3479	232	41	portfolio	portfolio	NOUN
fsr-3479	232	42	.	.	PUNCT
fsr-3479	233	1	the	the	DET
fsr-3479	233	2	results	result	NOUN
fsr-3479	233	3	seen	see	VERB
fsr-3479	233	4	in	in	ADP
fsr-3479	233	5	tables	table	NOUN
fsr-3479	233	6	5	5	NUM
fsr-3479	233	7	and	and	CCONJ
fsr-3479	233	8	6	6	NUM
fsr-3479	233	9	suggest	suggest	VERB
fsr-3479	233	10	that	that	SCONJ
fsr-3479	233	11	the	the	DET
fsr-3479	233	12	relative	relative	ADJ
fsr-3479	233	13	performance	performance	NOUN
fsr-3479	233	14	of	of	ADP
fsr-3479	233	15	rias	rias	PROPN
fsr-3479	233	16	may	may	AUX
fsr-3479	233	17	depend	depend	VERB
fsr-3479	233	18	on	on	ADP
fsr-3479	233	19	the	the	DET
fsr-3479	233	20	level	level	NOUN
fsr-3479	233	21	of	of	ADP
fsr-3479	233	22	portfolio	portfolio	NOUN
fsr-3479	233	23	risk	risk	NOUN
fsr-3479	233	24	.	.	PUNCT
fsr-3479	234	1	to	to	PART
fsr-3479	234	2	further	far	ADV
fsr-3479	234	3	explore	explore	VERB
fsr-3479	234	4	this	this	DET
fsr-3479	234	5	potential	potential	ADJ
fsr-3479	234	6	interaction	interaction	NOUN
fsr-3479	234	7	,	,	PUNCT
fsr-3479	234	8	we	we	PRON
fsr-3479	234	9	perform	perform	VERB
fsr-3479	234	10	t	t	NOUN
fsr-3479	234	11	-	-	PUNCT
fsr-3479	234	12	tests	test	NOUN
fsr-3479	234	13	on	on	ADP
fsr-3479	234	14	the	the	DET
fsr-3479	234	15	returns	return	NOUN
fsr-3479	234	16	of	of	ADP
fsr-3479	234	17	rias	ria	NOUN
fsr-3479	234	18	and	and	CCONJ
fsr-3479	234	19	ibds	ibds	NOUN
fsr-3479	234	20	after	after	ADP
fsr-3479	234	21	separating	separate	VERB
fsr-3479	234	22	the	the	DET
fsr-3479	234	23	sample	sample	NOUN
fsr-3479	234	24	by	by	ADP
fsr-3479	234	25	risk	risk	NOUN
fsr-3479	234	26	category	category	NOUN
fsr-3479	234	27	.	.	PUNCT
fsr-3479	235	1	the	the	DET
fsr-3479	235	2	results	result	NOUN
fsr-3479	235	3	are	be	AUX
fsr-3479	235	4	included	include	VERB
fsr-3479	235	5	in	in	ADP
fsr-3479	235	6	table	table	NOUN
fsr-3479	235	7	7	7	NUM
fsr-3479	235	8	.	.	PUNCT
fsr-3479	236	1	in	in	ADP
fsr-3479	236	2	the	the	DET
fsr-3479	236	3	column	column	NOUN
fsr-3479	236	4	for	for	ADP
fsr-3479	236	5	the	the	DET
fsr-3479	236	6	capital	capital	NOUN
fsr-3479	236	7	preservation	preservation	NOUN
fsr-3479	236	8	risk	risk	NOUN
fsr-3479	236	9	category	category	NOUN
fsr-3479	236	10	,	,	PUNCT
fsr-3479	236	11	ibds	ibds	NOUN
fsr-3479	236	12	have	have	VERB
fsr-3479	236	13	a	a	DET
fsr-3479	236	14	statistically	statistically	ADV
fsr-3479	236	15	significant	significant	ADJ
fsr-3479	236	16	higher	high	ADJ
fsr-3479	236	17	mean	mean	ADJ
fsr-3479	236	18	return	return	NOUN
fsr-3479	236	19	than	than	ADP
fsr-3479	236	20	rias	ria	NOUN
fsr-3479	236	21	for	for	ADP
fsr-3479	236	22	the	the	DET
fsr-3479	236	23	threeand	threeand	NOUN
fsr-3479	236	24	fiveyear	fiveyear	PROPN
fsr-3479	236	25	tamp	tamp	PROPN
fsr-3479	236	26	time	time	NOUN
fsr-3479	236	27	periods	period	NOUN
fsr-3479	236	28	.	.	PUNCT
fsr-3479	237	1	at	at	ADP
fsr-3479	237	2	the	the	DET
fsr-3479	237	3	opposite	opposite	ADJ
fsr-3479	237	4	end	end	NOUN
fsr-3479	237	5	of	of	ADP
fsr-3479	237	6	the	the	DET
fsr-3479	237	7	risk	risk	NOUN
fsr-3479	237	8	spectrum	spectrum	NOUN
fsr-3479	237	9	,	,	PUNCT
fsr-3479	237	10	however	however	ADV
fsr-3479	237	11	,	,	PUNCT
fsr-3479	237	12	the	the	DET
fsr-3479	237	13	column	column	NOUN
fsr-3479	237	14	for	for	ADP
fsr-3479	237	15	the	the	DET
fsr-3479	237	16	aggressive	aggressive	ADJ
fsr-3479	237	17	growth	growth	NOUN
fsr-3479	237	18	risk	risk	NOUN
fsr-3479	237	19	category	category	NOUN
fsr-3479	237	20	shows	show	VERB
fsr-3479	237	21	statistically	statistically	ADV
fsr-3479	237	22	significant	significant	ADJ
fsr-3479	237	23	outperformance	outperformance	NOUN
fsr-3479	237	24	of	of	ADP
fsr-3479	237	25	rias	rias	PROPN
fsr-3479	237	26	table	table	NOUN
fsr-3479	237	27	3	3	NUM
fsr-3479	237	28	progression	progression	NOUN
fsr-3479	237	29	of	of	ADP
fsr-3479	237	30	the	the	DET
fsr-3479	237	31	regression	regression	NOUN
fsr-3479	237	32	models	model	NOUN
fsr-3479	237	33	,	,	PUNCT
fsr-3479	237	34	indicating	indicate	VERB
fsr-3479	237	35	the	the	DET
fsr-3479	237	36	independent	independent	ADJ
fsr-3479	237	37	variables	variable	NOUN
fsr-3479	237	38	that	that	PRON
fsr-3479	237	39	are	be	AUX
fsr-3479	237	40	included	include	VERB
fsr-3479	237	41	in	in	ADP
fsr-3479	237	42	each	each	DET
fsr-3479	237	43	regression	regression	NOUN
fsr-3479	237	44	independent	independent	ADJ
fsr-3479	237	45	variables	variable	NOUN
fsr-3479	237	46	regression	regression	VERB
fsr-3479	237	47	#	#	SYM
fsr-3479	237	48	1	1	NUM
fsr-3479	237	49	regression	regression	NOUN
fsr-3479	237	50	#	#	SYM
fsr-3479	237	51	2	2	NUM
fsr-3479	237	52	regression	regression	NOUN
fsr-3479	237	53	#	#	SYM
fsr-3479	237	54	3	3	NUM
fsr-3479	237	55	regression	regression	NOUN
fsr-3479	237	56	#	#	SYM
fsr-3479	237	57	4	4	NUM
fsr-3479	237	58	ria	ria	NOUN
fsr-3479	237	59	x	x	NOUN
fsr-3479	237	60	x	x	PUNCT
fsr-3479	237	61	x	x	PUNCT
fsr-3479	237	62	x	x	NOUN
fsr-3479	237	63	portfolio	portfolio	NOUN
fsr-3479	237	64	risk	risk	NOUN
fsr-3479	237	65	x	x	PUNCT
fsr-3479	237	66	x	x	PUNCT
fsr-3479	237	67	x	x	X
fsr-3479	237	68	ria*portfolio	ria*portfolio	VERB
fsr-3479	237	69	risk	risk	NOUN
fsr-3479	237	70	x	x	NOUN
fsr-3479	237	71	x	x	PUNCT
fsr-3479	237	72	average	average	ADJ
fsr-3479	237	73	advisor	advisor	NOUN
fsr-3479	237	74	fee	fee	NOUN
fsr-3479	237	75	x	x	PROPN
fsr-3479	237	76	ln	ln	ADJ
fsr-3479	237	77	(	(	PUNCT
fsr-3479	237	78	average	average	ADJ
fsr-3479	237	79	account	account	NOUN
fsr-3479	237	80	size	size	NOUN
fsr-3479	237	81	)	)	PUNCT
fsr-3479	237	82	x	x	SYM
fsr-3479	237	83	number	number	NOUN
fsr-3479	237	84	of	of	ADP
fsr-3479	237	85	accounts	account	NOUN
fsr-3479	237	86	x	x	NOUN
fsr-3479	237	87	table	table	NOUN
fsr-3479	237	88	2	2	NUM
fsr-3479	237	89	mean	mean	NOUN
fsr-3479	237	90	one-	one-	NUM
fsr-3479	237	91	,	,	PUNCT
fsr-3479	237	92	three-	three-	ADJ
fsr-3479	237	93	,	,	PUNCT
fsr-3479	237	94	and	and	CCONJ
fsr-3479	237	95	five	five	NUM
fsr-3479	237	96	-	-	PUNCT
fsr-3479	237	97	year	year	NOUN
fsr-3479	237	98	returns	return	NOUN
fsr-3479	237	99	for	for	ADP
fsr-3479	237	100	rias	ria	NOUN
fsr-3479	237	101	and	and	CCONJ
fsr-3479	237	102	ibds	ibds	NOUN
fsr-3479	237	103	using	use	VERB
fsr-3479	237	104	amps	amp	NOUN
fsr-3479	237	105	,	,	PUNCT
fsr-3479	237	106	umas	uma	NOUN
fsr-3479	237	107	,	,	PUNCT
fsr-3479	237	108	and	and	CCONJ
fsr-3479	237	109	tamps	tamp	VERB
fsr-3479	237	110	one	one	NUM
fsr-3479	237	111	-	-	PUNCT
fsr-3479	237	112	year	year	NOUN
fsr-3479	237	113	return	return	NOUN
fsr-3479	237	114	three	three	NUM
fsr-3479	237	115	-	-	PUNCT
fsr-3479	237	116	year	year	NOUN
fsr-3479	237	117	return	return	NOUN
fsr-3479	237	118	five	five	NUM
fsr-3479	237	119	-	-	PUNCT
fsr-3479	237	120	year	year	NOUN
fsr-3479	237	121	return	return	NOUN
fsr-3479	237	122	ria	ria	PROPN
fsr-3479	237	123	amp	amp	PROPN
fsr-3479	237	124	4.347	4.347	NUM
fsr-3479	237	125	%	%	NOUN
fsr-3479	237	126	6.607	6.607	NUM
fsr-3479	237	127	%	%	NOUN
fsr-3479	237	128	3.690	3.690	NUM
fsr-3479	237	129	%	%	NOUN
fsr-3479	237	130	ibd	ibd	NOUN
fsr-3479	237	131	amp	amp	VERB
fsr-3479	237	132	4.527	4.527	NUM
fsr-3479	237	133	%	%	NOUN
fsr-3479	237	134	6.824	6.824	NUM
fsr-3479	237	135	%	%	NOUN
fsr-3479	237	136	3.825	3.825	NUM
fsr-3479	237	137	%	%	NOUN
fsr-3479	237	138	difference	difference	NOUN
fsr-3479	237	139	�	�	NOUN
fsr-3479	237	140	0.180	0.180	NUM
fsr-3479	237	141	%	%	NOUN
fsr-3479	237	142	�	�	NOUN
fsr-3479	237	143	0.217	0.217	NUM
fsr-3479	237	144	%	%	NOUN
fsr-3479	237	145	0.501	0.501	NUM
fsr-3479	237	146	%	%	NOUN
fsr-3479	237	147	ria	ria	PROPN
fsr-3479	237	148	uma	uma	PROPN
fsr-3479	237	149	3.595	3.595	NUM
fsr-3479	237	150	%	%	NOUN
fsr-3479	237	151	6.211	6.211	NUM
fsr-3479	237	152	%	%	NOUN
fsr-3479	237	153	3.191	3.191	NUM
fsr-3479	237	154	%	%	NOUN
fsr-3479	237	155	ibd	ibd	PROPN
fsr-3479	237	156	uma	uma	PROPN
fsr-3479	237	157	3.309	3.309	NUM
fsr-3479	237	158	%	%	NOUN
fsr-3479	237	159	6.344	6.344	NUM
fsr-3479	237	160	%	%	NOUN
fsr-3479	237	161	3.134	3.134	NUM
fsr-3479	237	162	%	%	NOUN
fsr-3479	237	163	difference	difference	NOUN
fsr-3479	237	164	0.286	0.286	NUM
fsr-3479	237	165	%	%	NOUN
fsr-3479	237	166	*	*	PUNCT
fsr-3479	237	167	�	�	PROPN
fsr-3479	237	168	0.133	0.133	NUM
fsr-3479	237	169	%	%	NOUN
fsr-3479	237	170	0.057	0.057	NUM
fsr-3479	237	171	%	%	NOUN
fsr-3479	237	172	ria	ria	PROPN
fsr-3479	237	173	tamp	tamp	NOUN
fsr-3479	237	174	4.167	4.167	NUM
fsr-3479	237	175	%	%	NOUN
fsr-3479	237	176	6.272	6.272	NUM
fsr-3479	237	177	%	%	NOUN
fsr-3479	237	178	3.465	3.465	NUM
fsr-3479	237	179	%	%	NOUN
fsr-3479	237	180	ibd	ibd	PROPN
fsr-3479	237	181	tamp	tamp	VERB
fsr-3479	237	182	3.247	3.247	NUM
fsr-3479	237	183	%	%	NOUN
fsr-3479	237	184	5.721	5.721	NUM
fsr-3479	237	185	%	%	NOUN
fsr-3479	237	186	2.964	2.964	NUM
fsr-3479	237	187	%	%	NOUN
fsr-3479	237	188	difference	difference	NOUN
fsr-3479	237	189	0.920	0.920	NUM
fsr-3479	237	190	%	%	NOUN
fsr-3479	237	191	*	*	PUNCT
fsr-3479	237	192	*	*	PUNCT
fsr-3479	237	193	*	*	PUNCT
fsr-3479	237	194	0.551	0.551	NUM
fsr-3479	237	195	%	%	NOUN
fsr-3479	237	196	*	*	PUNCT
fsr-3479	237	197	*	*	PUNCT
fsr-3479	237	198	*	*	PUNCT
fsr-3479	237	199	0.501	0.501	NUM
fsr-3479	237	200	%	%	NOUN
fsr-3479	237	201	*	*	PUNCT
fsr-3479	237	202	*	*	PUNCT
fsr-3479	237	203	*	*	PUNCT
fsr-3479	237	204	note	note	NOUN
fsr-3479	237	205	.	.	PUNCT
fsr-3479	238	1	significant	significant	ADJ
fsr-3479	238	2	t	t	PROPN
fsr-3479	238	3	-	-	PUNCT
fsr-3479	238	4	test	test	NOUN
fsr-3479	238	5	results	result	NOUN
fsr-3479	238	6	comparing	compare	VERB
fsr-3479	238	7	the	the	DET
fsr-3479	238	8	differences	difference	NOUN
fsr-3479	238	9	in	in	ADP
fsr-3479	238	10	the	the	DET
fsr-3479	238	11	means	mean	NOUN
fsr-3479	238	12	are	be	AUX
fsr-3479	238	13	indicated	indicate	VERB
fsr-3479	238	14	with	with	ADP
fsr-3479	238	15	asterisks	asterisk	NOUN
fsr-3479	238	16	.	.	PUNCT
fsr-3479	239	1	*	*	PUNCT
fsr-3479	240	1	*	*	PUNCT
fsr-3479	240	2	*	*	PUNCT
fsr-3479	240	3	p	p	X
fsr-3479	240	4	<	<	X
fsr-3479	240	5	0.001	0.001	NUM
fsr-3479	240	6	,	,	PUNCT
fsr-3479	240	7	*	*	PUNCT
fsr-3479	240	8	*	*	PUNCT
fsr-3479	240	9	p	p	X
fsr-3479	240	10	<	<	X
fsr-3479	240	11	.01	.01	NUM
fsr-3479	240	12	,	,	PUNCT
fsr-3479	240	13	*	*	PUNCT
fsr-3479	240	14	p	p	X
fsr-3479	240	15	<	<	X
fsr-3479	240	16	.05	.05	NUM
fsr-3479	240	17	.	.	PUNCT
fsr-3479	241	1	156	156	NUM
fsr-3479	241	2	j.	j.	PROPN
fsr-3479	241	3	e.	e.	PROPN
fsr-3479	241	4	heller	heller	PROPN
fsr-3479	241	5	et	et	PROPN
fsr-3479	241	6	al	al	PROPN
fsr-3479	241	7	.	.	PUNCT
fsr-3479	241	8	/	/	SYM
fsr-3479	241	9	financial	financial	ADJ
fsr-3479	241	10	services	service	NOUN
fsr-3479	241	11	review	review	VERB
fsr-3479	241	12	30	30	NUM
fsr-3479	241	13	(	(	PUNCT
fsr-3479	241	14	2022	2022	NUM
fsr-3479	241	15	)	)	PUNCT
fsr-3479	241	16	145–164	145–164	NUM
fsr-3479	241	17	over	over	ADP
fsr-3479	241	18	ibds	ibds	NOUN
fsr-3479	241	19	by	by	ADP
fsr-3479	241	20	a	a	DET
fsr-3479	241	21	considerable	considerable	ADJ
fsr-3479	241	22	margin	margin	NOUN
fsr-3479	241	23	in	in	ADP
fsr-3479	241	24	five	five	NUM
fsr-3479	241	25	of	of	ADP
fsr-3479	241	26	the	the	DET
fsr-3479	241	27	subsamples	subsample	NOUN
fsr-3479	241	28	,	,	PUNCT
fsr-3479	241	29	including	include	VERB
fsr-3479	241	30	the	the	DET
fsr-3479	241	31	five	five	NUM
fsr-3479	241	32	-	-	PUNCT
fsr-3479	241	33	year	year	NOUN
fsr-3479	241	34	amp	amp	NOUN
fsr-3479	241	35	time	time	NOUN
fsr-3479	241	36	period	period	NOUN
fsr-3479	241	37	,	,	PUNCT
fsr-3479	241	38	the	the	DET
fsr-3479	241	39	one	one	NUM
fsr-3479	241	40	-	-	PUNCT
fsr-3479	241	41	year	year	NOUN
fsr-3479	241	42	uma	uma	PROPN
fsr-3479	241	43	time	time	NOUN
fsr-3479	241	44	period	period	NOUN
fsr-3479	241	45	,	,	PUNCT
fsr-3479	241	46	and	and	CCONJ
fsr-3479	241	47	all	all	DET
fsr-3479	241	48	three	three	NUM
fsr-3479	241	49	tamp	tamp	ADJ
fsr-3479	241	50	time	time	NOUN
fsr-3479	241	51	periods	period	NOUN
fsr-3479	241	52	.	.	PUNCT
fsr-3479	242	1	table	table	NOUN
fsr-3479	242	2	8	8	NUM
fsr-3479	242	3	shows	show	VERB
fsr-3479	242	4	regression	regression	VERB
fsr-3479	242	5	#	#	SYM
fsr-3479	242	6	4	4	NUM
fsr-3479	242	7	,	,	PUNCT
fsr-3479	242	8	which	which	PRON
fsr-3479	242	9	incorporates	incorporate	VERB
fsr-3479	242	10	all	all	DET
fsr-3479	242	11	the	the	DET
fsr-3479	242	12	control	control	NOUN
fsr-3479	242	13	variables	variable	VERB
fsr-3479	242	14	in	in	ADP
fsr-3479	242	15	the	the	DET
fsr-3479	242	16	empirical	empirical	ADJ
fsr-3479	242	17	model	model	NOUN
fsr-3479	242	18	.	.	PUNCT
fsr-3479	243	1	not	not	PART
fsr-3479	243	2	surprisingly	surprisingly	ADV
fsr-3479	243	3	,	,	PUNCT
fsr-3479	243	4	advisor	advisor	NOUN
fsr-3479	243	5	fees	fee	NOUN
fsr-3479	243	6	in	in	ADP
fsr-3479	243	7	almost	almost	ADV
fsr-3479	243	8	every	every	PRON
fsr-3479	243	9	regression	regression	NOUN
fsr-3479	243	10	are	be	AUX
fsr-3479	243	11	significant	significant	ADJ
fsr-3479	243	12	and	and	CCONJ
fsr-3479	243	13	table	table	NOUN
fsr-3479	243	14	5	5	NUM
fsr-3479	243	15	regressions	regression	NOUN
fsr-3479	243	16	#	#	SYM
fsr-3479	243	17	2	2	NUM
fsr-3479	243	18	results	result	NOUN
fsr-3479	243	19	for	for	ADP
fsr-3479	243	20	each	each	PRON
fsr-3479	243	21	of	of	ADP
fsr-3479	243	22	the	the	DET
fsr-3479	243	23	portfolio	portfolio	NOUN
fsr-3479	243	24	management	management	NOUN
fsr-3479	243	25	approaches	approach	NOUN
fsr-3479	243	26	,	,	PUNCT
fsr-3479	243	27	where	where	SCONJ
fsr-3479	243	28	one-	one-	ADP
fsr-3479	243	29	,	,	PUNCT
fsr-3479	243	30	three-	three-	ADJ
fsr-3479	243	31	,	,	PUNCT
fsr-3479	243	32	and	and	CCONJ
fsr-3479	243	33	fiveyear	fiveyear	NOUN
fsr-3479	243	34	returns	return	NOUN
fsr-3479	243	35	are	be	AUX
fsr-3479	243	36	the	the	DET
fsr-3479	243	37	dependent	dependent	ADJ
fsr-3479	243	38	variables	variable	NOUN
fsr-3479	243	39	one	one	NUM
fsr-3479	243	40	-	-	PUNCT
fsr-3479	243	41	year	year	NOUN
fsr-3479	243	42	return	return	NOUN
fsr-3479	243	43	three	three	NUM
fsr-3479	243	44	-	-	PUNCT
fsr-3479	243	45	year	year	NOUN
fsr-3479	243	46	return	return	NOUN
fsr-3479	243	47	five	five	NUM
fsr-3479	243	48	-	-	PUNCT
fsr-3479	243	49	year	year	NOUN
fsr-3479	243	50	return	return	NOUN
fsr-3479	243	51	amp	amp	NOUN
fsr-3479	243	52	intercept	intercept	NOUN
fsr-3479	243	53	0.0435	0.0435	NUM
fsr-3479	243	54	*	*	PUNCT
fsr-3479	243	55	*	*	PUNCT
fsr-3479	243	56	*	*	PUNCT
fsr-3479	244	1	0.0253	0.0253	NUM
fsr-3479	244	2	*	*	PUNCT
fsr-3479	244	3	*	*	PUNCT
fsr-3479	244	4	*	*	PUNCT
fsr-3479	244	5	0.0177	0.0177	NUM
fsr-3479	244	6	*	*	PUNCT
fsr-3479	244	7	*	*	PUNCT
fsr-3479	244	8	*	*	PUNCT
fsr-3479	244	9	ria	ria	PROPN
fsr-3479	244	10	�	�	PROPN
fsr-3479	244	11	0.0018	0.0018	NUM
fsr-3479	244	12	�	�	NUM
fsr-3479	244	13	0.0037	0.0037	NUM
fsr-3479	244	14	*	*	PUNCT
fsr-3479	244	15	�	�	PROPN
fsr-3479	244	16	0.0024	0.0024	NUM
fsr-3479	244	17	portfolio	portfolio	NOUN
fsr-3479	244	18	risk	risk	NOUN
fsr-3479	244	19	0.0006	0.0006	NUM
fsr-3479	244	20	0.0134	0.0134	NUM
fsr-3479	244	21	*	*	PUNCT
fsr-3479	244	22	*	*	PUNCT
fsr-3479	244	23	*	*	PUNCT
fsr-3479	244	24	0.0065	0.0065	NUM
fsr-3479	244	25	*	*	PUNCT
fsr-3479	244	26	*	*	PUNCT
fsr-3479	244	27	*	*	PUNCT
fsr-3479	244	28	r2	r2	PROPN
fsr-3479	244	29	0.001	0.001	NUM
fsr-3479	244	30	0.31	0.31	NUM
fsr-3479	244	31	0.17	0.17	NUM
fsr-3479	244	32	n	n	NUM
fsr-3479	244	33	1,585	1,585	NUM
fsr-3479	244	34	1,151	1,151	NUM
fsr-3479	244	35	858	858	NUM
fsr-3479	244	36	uma	uma	PROPN
fsr-3479	244	37	intercept	intercept	NOUN
fsr-3479	244	38	0.0270	0.0270	NUM
fsr-3479	244	39	*	*	PUNCT
fsr-3479	244	40	*	*	PUNCT
fsr-3479	244	41	*	*	PUNCT
fsr-3479	244	42	0.0170	0.0170	NUM
fsr-3479	244	43	*	*	PUNCT
fsr-3479	244	44	*	*	PUNCT
fsr-3479	244	45	*	*	PUNCT
fsr-3479	244	46	0.0082	0.0082	NUM
fsr-3479	244	47	*	*	PUNCT
fsr-3479	244	48	*	*	PUNCT
fsr-3479	244	49	*	*	PUNCT
fsr-3479	244	50	ria	ria	PROPN
fsr-3479	244	51	0.0024	0.0024	NUM
fsr-3479	244	52	�	�	PROPN
fsr-3479	244	53	0.0041	0.0041	NUM
fsr-3479	244	54	*	*	PUNCT
fsr-3479	244	55	*	*	PUNCT
fsr-3479	244	56	*	*	PUNCT
fsr-3479	244	57	�	�	PROPN
fsr-3479	244	58	0.0010	0.0010	NUM
fsr-3479	244	59	portfolio	portfolio	NOUN
fsr-3479	244	60	risk	risk	NOUN
fsr-3479	244	61	0.0019	0.0019	NUM
fsr-3479	244	62	*	*	PUNCT
fsr-3479	244	63	*	*	PUNCT
fsr-3479	244	64	*	*	PUNCT
fsr-3479	244	65	0.0140	0.0140	NUM
fsr-3479	244	66	*	*	PUNCT
fsr-3479	244	67	*	*	PUNCT
fsr-3479	244	68	*	*	PUNCT
fsr-3479	244	69	0.0070	0.0070	NUM
fsr-3479	244	70	*	*	PUNCT
fsr-3479	244	71	*	*	PUNCT
fsr-3479	244	72	*	*	PUNCT
fsr-3479	244	73	r2	r2	PROPN
fsr-3479	244	74	0.010	0.010	NUM
fsr-3479	244	75	0.45	0.45	NUM
fsr-3479	244	76	0.26	0.26	NUM
fsr-3479	244	77	n	n	NUM
fsr-3479	244	78	1,484	1,484	NUM
fsr-3479	244	79	1,163	1,163	NUM
fsr-3479	244	80	857	857	NUM
fsr-3479	244	81	tamp	tamp	NOUN
fsr-3479	244	82	intercept	intercept	NOUN
fsr-3479	244	83	0.0347	0.0347	PROPN
fsr-3479	244	84	*	*	PUNCT
fsr-3479	244	85	*	*	PUNCT
fsr-3479	244	86	*	*	PUNCT
fsr-3479	245	1	0.0017	0.0017	NUM
fsr-3479	245	2	0.0020	0.0020	NUM
fsr-3479	245	3	*	*	PUNCT
fsr-3479	245	4	ria	ria	PROPN
fsr-3479	245	5	0.0093	0.0093	PROPN
fsr-3479	245	6	*	*	PROPN
fsr-3479	245	7	*	*	PUNCT
fsr-3479	245	8	*	*	PUNCT
fsr-3479	245	9	0.0041	0.0041	NUM
fsr-3479	245	10	*	*	PUNCT
fsr-3479	245	11	*	*	PUNCT
fsr-3479	245	12	*	*	PUNCT
fsr-3479	245	13	0.0039	0.0039	NUM
fsr-3479	245	14	*	*	PUNCT
fsr-3479	245	15	*	*	PUNCT
fsr-3479	245	16	*	*	PUNCT
fsr-3479	245	17	portfolio	portfolio	NOUN
fsr-3479	245	18	risk	risk	NOUN
fsr-3479	245	19	�	�	PROPN
fsr-3479	245	20	0.0007	0.0007	NUM
fsr-3479	245	21	*	*	NOUN
fsr-3479	245	22	0.0171	0.0171	NUM
fsr-3479	245	23	*	*	PUNCT
fsr-3479	245	24	*	*	PUNCT
fsr-3479	245	25	*	*	PUNCT
fsr-3479	245	26	0.0086	0.0086	NUM
fsr-3479	245	27	*	*	PUNCT
fsr-3479	245	28	*	*	PUNCT
fsr-3479	245	29	*	*	PUNCT
fsr-3479	245	30	r2	r2	PROPN
fsr-3479	245	31	0.024	0.024	NUM
fsr-3479	245	32	0.59	0.59	NUM
fsr-3479	245	33	0.33	0.33	NUM
fsr-3479	245	34	n	n	ADP
fsr-3479	245	35	3,789	3,789	NUM
fsr-3479	245	36	3,132	3,132	NUM
fsr-3479	245	37	2,434	2,434	NUM
fsr-3479	245	38	note	note	NOUN
fsr-3479	245	39	.	.	PUNCT
fsr-3479	246	1	portfolio	portfolio	NOUN
fsr-3479	246	2	risk	risk	NOUN
fsr-3479	246	3	is	be	AUX
fsr-3479	246	4	included	include	VERB
fsr-3479	246	5	in	in	ADP
fsr-3479	246	6	each	each	PRON
fsr-3479	246	7	of	of	ADP
fsr-3479	246	8	the	the	DET
fsr-3479	246	9	regressions	regression	NOUN
fsr-3479	246	10	as	as	ADP
fsr-3479	246	11	an	an	DET
fsr-3479	246	12	independent	independent	ADJ
fsr-3479	246	13	variable	variable	NOUN
fsr-3479	246	14	.	.	PUNCT
fsr-3479	247	1	*	*	PUNCT
fsr-3479	248	1	*	*	PUNCT
fsr-3479	248	2	*	*	PUNCT
fsr-3479	248	3	p	p	X
fsr-3479	248	4	<	<	X
fsr-3479	248	5	0.001	0.001	NUM
fsr-3479	248	6	,	,	PUNCT
fsr-3479	248	7	*	*	PUNCT
fsr-3479	248	8	*	*	PUNCT
fsr-3479	248	9	p	p	X
fsr-3479	248	10	<	<	X
fsr-3479	248	11	.01	.01	NUM
fsr-3479	248	12	,	,	PUNCT
fsr-3479	248	13	*	*	PUNCT
fsr-3479	248	14	p	p	X
fsr-3479	248	15	<	<	X
fsr-3479	248	16	.05	.05	NUM
fsr-3479	248	17	.	.	PUNCT
fsr-3479	248	18	table	table	NOUN
fsr-3479	248	19	4	4	NUM
fsr-3479	248	20	regression	regression	NOUN
fsr-3479	248	21	#	#	SYM
fsr-3479	248	22	1	1	NUM
fsr-3479	248	23	results	result	NOUN
fsr-3479	248	24	for	for	ADP
fsr-3479	248	25	each	each	PRON
fsr-3479	248	26	of	of	ADP
fsr-3479	248	27	the	the	DET
fsr-3479	248	28	portfolio	portfolio	NOUN
fsr-3479	248	29	management	management	NOUN
fsr-3479	248	30	approaches	approach	NOUN
fsr-3479	248	31	,	,	PUNCT
fsr-3479	248	32	where	where	SCONJ
fsr-3479	248	33	one-	one-	ADP
fsr-3479	248	34	,	,	PUNCT
fsr-3479	248	35	three-	three-	ADJ
fsr-3479	248	36	,	,	PUNCT
fsr-3479	248	37	and	and	CCONJ
fsr-3479	248	38	fiveyear	fiveyear	NOUN
fsr-3479	248	39	returns	return	NOUN
fsr-3479	248	40	are	be	AUX
fsr-3479	248	41	the	the	DET
fsr-3479	248	42	dependent	dependent	ADJ
fsr-3479	248	43	variables	variable	NOUN
fsr-3479	248	44	one	one	NUM
fsr-3479	248	45	-	-	PUNCT
fsr-3479	248	46	year	year	NOUN
fsr-3479	248	47	return	return	NOUN
fsr-3479	248	48	three	three	NUM
fsr-3479	248	49	-	-	PUNCT
fsr-3479	248	50	year	year	NOUN
fsr-3479	248	51	return	return	NOUN
fsr-3479	248	52	five	five	NUM
fsr-3479	248	53	-	-	PUNCT
fsr-3479	248	54	year	year	NOUN
fsr-3479	248	55	return	return	NOUN
fsr-3479	248	56	amp	amp	NOUN
fsr-3479	248	57	intercept	intercept	NOUN
fsr-3479	248	58	0.0453	0.0453	NUM
fsr-3479	248	59	*	*	PUNCT
fsr-3479	248	60	*	*	PUNCT
fsr-3479	248	61	*	*	PUNCT
fsr-3479	248	62	0.0682	0.0682	PUNCT
fsr-3479	248	63	*	*	PUNCT
fsr-3479	248	64	*	*	PUNCT
fsr-3479	248	65	*	*	PUNCT
fsr-3479	248	66	0.0383	0.0383	NUM
fsr-3479	248	67	*	*	PUNCT
fsr-3479	248	68	*	*	PUNCT
fsr-3479	248	69	*	*	PUNCT
fsr-3479	248	70	ria	ria	PROPN
fsr-3479	248	71	�	�	PROPN
fsr-3479	248	72	0.0018	0.0018	NUM
fsr-3479	248	73	�	�	PROPN
fsr-3479	248	74	0.0022	0.0022	NUM
fsr-3479	248	75	�	�	PROPN
fsr-3479	248	76	0.0014	0.0014	NUM
fsr-3479	248	77	r2	r2	NOUN
fsr-3479	248	78	0.0005	0.0005	NUM
fsr-3479	248	79	0.0008	0.0008	NUM
fsr-3479	248	80	0.0007	0.0007	NUM
fsr-3479	248	81	n	n	CCONJ
fsr-3479	248	82	1,585	1,585	NUM
fsr-3479	248	83	1,151	1,151	NUM
fsr-3479	248	84	858	858	NUM
fsr-3479	248	85	uma	uma	PROPN
fsr-3479	248	86	intercept	intercept	VERB
fsr-3479	248	87	0.0331	0.0331	NUM
fsr-3479	248	88	*	*	PUNCT
fsr-3479	248	89	*	*	PUNCT
fsr-3479	248	90	*	*	PUNCT
fsr-3479	248	91	0.0634	0.0634	PUNCT
fsr-3479	248	92	*	*	PUNCT
fsr-3479	248	93	*	*	PUNCT
fsr-3479	248	94	*	*	PUNCT
fsr-3479	248	95	0.0313	0.0313	NUM
fsr-3479	248	96	*	*	PUNCT
fsr-3479	248	97	*	*	PUNCT
fsr-3479	248	98	*	*	PUNCT
fsr-3479	248	99	ria	ria	PROPN
fsr-3479	248	100	0.0029	0.0029	NUM
fsr-3479	248	101	*	*	PUNCT
fsr-3479	248	102	�	�	PROPN
fsr-3479	248	103	0.0013	0.0013	NUM
fsr-3479	248	104	0.0006	0.0006	NUM
fsr-3479	248	105	r2	r2	PROPN
fsr-3479	248	106	0.0028	0.0028	NUM
fsr-3479	248	107	0.0007	0.0007	NUM
fsr-3479	248	108	0.0003	0.0003	NUM
fsr-3479	248	109	n	n	CCONJ
fsr-3479	248	110	1,484	1,484	NUM
fsr-3479	248	111	1,163	1,163	NUM
fsr-3479	248	112	857	857	NUM
fsr-3479	248	113	tamp	tamp	NOUN
fsr-3479	248	114	intercept	intercept	NOUN
fsr-3479	248	115	0.0325	0.0325	NUM
fsr-3479	248	116	*	*	PUNCT
fsr-3479	248	117	*	*	PUNCT
fsr-3479	248	118	*	*	PUNCT
fsr-3479	248	119	0.0572	0.0572	PUNCT
fsr-3479	248	120	*	*	PUNCT
fsr-3479	248	121	*	*	PUNCT
fsr-3479	248	122	*	*	PUNCT
fsr-3479	248	123	0.0296	0.0296	NUM
fsr-3479	248	124	*	*	PUNCT
fsr-3479	248	125	*	*	PUNCT
fsr-3479	248	126	*	*	PUNCT
fsr-3479	248	127	ria	ria	PROPN
fsr-3479	248	128	0.0092	0.0092	NUM
fsr-3479	248	129	*	*	PUNCT
fsr-3479	248	130	*	*	PUNCT
fsr-3479	248	131	*	*	PUNCT
fsr-3479	248	132	0.0055	0.0055	NUM
fsr-3479	248	133	*	*	PUNCT
fsr-3479	248	134	*	*	PUNCT
fsr-3479	248	135	*	*	PUNCT
fsr-3479	248	136	0.0050	0.0050	NUM
fsr-3479	248	137	*	*	PUNCT
fsr-3479	248	138	*	*	PUNCT
fsr-3479	248	139	*	*	PUNCT
fsr-3479	248	140	r2	r2	PROPN
fsr-3479	248	141	0.0233	0.0233	NUM
fsr-3479	248	142	0.0073	0.0073	NUM
fsr-3479	248	143	0.0132	0.0132	NUM
fsr-3479	248	144	n	n	PRON
fsr-3479	248	145	3,789	3,789	NUM
fsr-3479	248	146	3,132	3,132	NUM
fsr-3479	248	147	2,434	2,434	NUM
fsr-3479	248	148	*	*	PUNCT
fsr-3479	249	1	*	*	PUNCT
fsr-3479	249	2	*	*	PUNCT
fsr-3479	249	3	p	p	X
fsr-3479	249	4	<	<	X
fsr-3479	249	5	0.001	0.001	NUM
fsr-3479	249	6	,	,	PUNCT
fsr-3479	249	7	*	*	PUNCT
fsr-3479	249	8	*	*	PUNCT
fsr-3479	249	9	p	p	X
fsr-3479	249	10	<	<	X
fsr-3479	249	11	.01	.01	NUM
fsr-3479	249	12	,	,	PUNCT
fsr-3479	249	13	*	*	PUNCT
fsr-3479	249	14	p	p	X
fsr-3479	249	15	<	<	X
fsr-3479	249	16	.05	.05	NUM
fsr-3479	249	17	.	.	PUNCT
fsr-3479	250	1	j.	j.	PROPN
fsr-3479	250	2	e.	e.	PROPN
fsr-3479	250	3	heller	heller	PROPN
fsr-3479	250	4	et	et	PROPN
fsr-3479	250	5	al	al	PROPN
fsr-3479	250	6	.	.	PUNCT
fsr-3479	250	7	/	/	SYM
fsr-3479	250	8	financial	financial	ADJ
fsr-3479	250	9	services	service	NOUN
fsr-3479	250	10	review	review	VERB
fsr-3479	250	11	30	30	NUM
fsr-3479	250	12	(	(	PUNCT
fsr-3479	250	13	2022	2022	NUM
fsr-3479	250	14	)	)	PUNCT
fsr-3479	250	15	145–164	145–164	NUM
fsr-3479	250	16	157	157	NUM
fsr-3479	250	17	negatively	negatively	ADV
fsr-3479	250	18	associated	associate	VERB
fsr-3479	250	19	with	with	ADP
fsr-3479	250	20	returns	return	NOUN
fsr-3479	250	21	.	.	PUNCT
fsr-3479	251	1	the	the	DET
fsr-3479	251	2	natural	natural	ADJ
fsr-3479	251	3	log	log	NOUN
fsr-3479	251	4	of	of	ADP
fsr-3479	251	5	average	average	ADJ
fsr-3479	251	6	account	account	NOUN
fsr-3479	251	7	size	size	NOUN
fsr-3479	251	8	was	be	AUX
fsr-3479	251	9	positive	positive	ADJ
fsr-3479	251	10	and	and	CCONJ
fsr-3479	251	11	highly	highly	ADV
fsr-3479	251	12	significant	significant	ADJ
fsr-3479	251	13	in	in	ADP
fsr-3479	251	14	all	all	DET
fsr-3479	251	15	nine	nine	NUM
fsr-3479	251	16	regressions	regression	NOUN
fsr-3479	251	17	.	.	PUNCT
fsr-3479	252	1	the	the	DET
fsr-3479	252	2	interaction	interaction	NOUN
fsr-3479	252	3	variable	variable	NOUN
fsr-3479	252	4	between	between	ADP
fsr-3479	252	5	ria	ria	PROPN
fsr-3479	252	6	and	and	CCONJ
fsr-3479	252	7	portfolio	portfolio	NOUN
fsr-3479	252	8	risk	risk	NOUN
fsr-3479	252	9	continues	continue	VERB
fsr-3479	252	10	to	to	PART
fsr-3479	252	11	be	be	AUX
fsr-3479	252	12	significant	significant	ADJ
fsr-3479	252	13	and	and	CCONJ
fsr-3479	252	14	positive	positive	ADJ
fsr-3479	252	15	in	in	ADP
fsr-3479	252	16	most	most	ADJ
fsr-3479	252	17	of	of	ADP
fsr-3479	252	18	the	the	DET
fsr-3479	252	19	regressions	regression	NOUN
fsr-3479	252	20	in	in	ADP
fsr-3479	252	21	table	table	NOUN
fsr-3479	252	22	8	8	NUM
fsr-3479	252	23	.	.	PUNCT
fsr-3479	253	1	for	for	ADP
fsr-3479	253	2	the	the	DET
fsr-3479	253	3	regressions	regression	NOUN
fsr-3479	253	4	in	in	ADP
fsr-3479	253	5	table	table	NOUN
fsr-3479	253	6	8	8	NUM
fsr-3479	253	7	where	where	SCONJ
fsr-3479	253	8	both	both	PRON
fsr-3479	253	9	the	the	DET
fsr-3479	253	10	ria	ria	PROPN
fsr-3479	253	11	coefficient	coefficient	NOUN
fsr-3479	253	12	and	and	CCONJ
fsr-3479	253	13	the	the	DET
fsr-3479	253	14	interaction	interaction	NOUN
fsr-3479	253	15	variable	variable	ADJ
fsr-3479	253	16	coefficient	coefficient	NOUN
fsr-3479	253	17	are	be	AUX
fsr-3479	253	18	significant	significant	ADJ
fsr-3479	253	19	(	(	PUNCT
fsr-3479	253	20	the	the	DET
fsr-3479	253	21	threeand	threeand	NOUN
fsr-3479	253	22	five	five	NUM
fsr-3479	253	23	-	-	PUNCT
fsr-3479	253	24	year	year	NOUN
fsr-3479	253	25	amp	amp	NOUN
fsr-3479	253	26	time	time	NOUN
fsr-3479	253	27	periods	period	NOUN
fsr-3479	253	28	,	,	PUNCT
fsr-3479	253	29	the	the	DET
fsr-3479	253	30	one	one	NUM
fsr-3479	253	31	-	-	PUNCT
fsr-3479	253	32	year	year	NOUN
fsr-3479	253	33	uma	uma	PROPN
fsr-3479	253	34	time	time	NOUN
fsr-3479	253	35	period	period	NOUN
fsr-3479	253	36	,	,	PUNCT
fsr-3479	253	37	and	and	CCONJ
fsr-3479	253	38	all	all	DET
fsr-3479	253	39	three	three	NUM
fsr-3479	253	40	tamp	tamp	ADJ
fsr-3479	253	41	time	time	NOUN
fsr-3479	253	42	periods	period	NOUN
fsr-3479	253	43	)	)	PUNCT
fsr-3479	253	44	,	,	PUNCT
fsr-3479	253	45	the	the	DET
fsr-3479	253	46	combined	combined	ADJ
fsr-3479	253	47	effect	effect	NOUN
fsr-3479	253	48	of	of	ADP
fsr-3479	253	49	rias	rias	PROPN
fsr-3479	253	50	is	be	AUX
fsr-3479	253	51	positive	positive	ADJ
fsr-3479	253	52	only	only	ADV
fsr-3479	253	53	for	for	ADP
fsr-3479	253	54	the	the	DET
fsr-3479	253	55	higher	high	ADJ
fsr-3479	253	56	risk	risk	NOUN
fsr-3479	253	57	categories	category	NOUN
fsr-3479	253	58	and	and	CCONJ
fsr-3479	253	59	not	not	PART
fsr-3479	253	60	for	for	ADP
fsr-3479	253	61	the	the	DET
fsr-3479	253	62	lower	low	ADJ
fsr-3479	253	63	risk	risk	NOUN
fsr-3479	253	64	categories	category	NOUN
fsr-3479	253	65	.	.	PUNCT
fsr-3479	254	1	(	(	PUNCT
fsr-3479	254	2	this	this	DET
fsr-3479	254	3	combined	combined	ADJ
fsr-3479	254	4	effect	effect	NOUN
fsr-3479	254	5	is	be	AUX
fsr-3479	254	6	calculated	calculate	VERB
fsr-3479	254	7	by	by	ADP
fsr-3479	254	8	using	use	VERB
fsr-3479	254	9	ria=	ria=	PROPN
fsr-3479	254	10	1	1	NUM
fsr-3479	254	11	and	and	CCONJ
fsr-3479	254	12	risk	risk	NOUN
fsr-3479	254	13	category	category	NOUN
fsr-3479	254	14	=	=	SYM
fsr-3479	254	15	5	5	NUM
fsr-3479	254	16	and	and	CCONJ
fsr-3479	254	17	multiplying	multiply	VERB
fsr-3479	254	18	by	by	ADP
fsr-3479	254	19	the	the	DET
fsr-3479	254	20	corresponding	corresponding	ADJ
fsr-3479	254	21	parameter	parameter	NOUN
fsr-3479	254	22	estimates	estimate	NOUN
fsr-3479	254	23	.	.	PUNCT
fsr-3479	254	24	)	)	PUNCT
fsr-3479	255	1	in	in	ADP
fsr-3479	255	2	each	each	PRON
fsr-3479	255	3	of	of	ADP
fsr-3479	255	4	these	these	DET
fsr-3479	255	5	instances	instance	NOUN
fsr-3479	255	6	,	,	PUNCT
fsr-3479	255	7	the	the	DET
fsr-3479	255	8	aggressive	aggressive	ADJ
fsr-3479	255	9	growth	growth	NOUN
fsr-3479	255	10	risk	risk	NOUN
fsr-3479	255	11	categories	category	NOUN
fsr-3479	255	12	shows	show	VERB
fsr-3479	255	13	that	that	SCONJ
fsr-3479	255	14	rias	rias	PROPN
fsr-3479	255	15	outperform	outperform	ADJ
fsr-3479	255	16	ibds	ibds	NOUN
fsr-3479	255	17	.	.	PUNCT
fsr-3479	256	1	in	in	ADP
fsr-3479	256	2	the	the	DET
fsr-3479	256	3	one	one	NUM
fsr-3479	256	4	-	-	PUNCT
fsr-3479	256	5	year	year	NOUN
fsr-3479	256	6	uma	uma	PROPN
fsr-3479	256	7	and	and	CCONJ
fsr-3479	256	8	all	all	DET
fsr-3479	256	9	three	three	NUM
fsr-3479	256	10	tamp	tamp	ADJ
fsr-3479	256	11	time	time	NOUN
fsr-3479	256	12	periods	period	NOUN
fsr-3479	256	13	,	,	PUNCT
fsr-3479	256	14	rias	rias	PROPN
fsr-3479	256	15	outperform	outperform	VERB
fsr-3479	256	16	ibds	ibds	NOUN
fsr-3479	256	17	in	in	ADP
fsr-3479	256	18	the	the	DET
fsr-3479	256	19	growth	growth	NOUN
fsr-3479	256	20	risk	risk	NOUN
fsr-3479	256	21	category	category	NOUN
fsr-3479	256	22	as	as	ADV
fsr-3479	256	23	well	well	ADV
fsr-3479	256	24	(	(	PUNCT
fsr-3479	256	25	where	where	SCONJ
fsr-3479	256	26	risk	risk	NOUN
fsr-3479	256	27	category	category	NOUN
fsr-3479	256	28	=	=	NOUN
fsr-3479	256	29	4	4	NUM
fsr-3479	256	30	)	)	PUNCT
fsr-3479	256	31	.	.	PUNCT
fsr-3479	257	1	4	4	X
fsr-3479	257	2	.	.	X
fsr-3479	257	3	discussion	discussion	VERB
fsr-3479	257	4	our	our	PRON
fsr-3479	257	5	hypothesis	hypothesis	NOUN
fsr-3479	257	6	states	state	NOUN
fsr-3479	257	7	that	that	SCONJ
fsr-3479	257	8	rias	rias	PROPN
fsr-3479	257	9	will	will	AUX
fsr-3479	257	10	outperform	outperform	VERB
fsr-3479	257	11	ibds	ibds	NOUN
fsr-3479	257	12	regardless	regardless	ADV
fsr-3479	257	13	of	of	ADP
fsr-3479	257	14	the	the	DET
fsr-3479	257	15	portfolio	portfolio	NOUN
fsr-3479	257	16	management	management	NOUN
fsr-3479	257	17	approach	approach	NOUN
fsr-3479	257	18	(	(	PUNCT
fsr-3479	257	19	amp	amp	PROPN
fsr-3479	257	20	,	,	PUNCT
fsr-3479	257	21	uma	uma	PROPN
fsr-3479	257	22	,	,	PUNCT
fsr-3479	257	23	or	or	CCONJ
fsr-3479	257	24	tamp	tamp	NOUN
fsr-3479	257	25	)	)	PUNCT
fsr-3479	257	26	.	.	PUNCT
fsr-3479	258	1	this	this	DET
fsr-3479	258	2	hypothesis	hypothesis	NOUN
fsr-3479	258	3	was	be	AUX
fsr-3479	258	4	formulated	formulate	VERB
fsr-3479	258	5	based	base	VERB
fsr-3479	258	6	on	on	ADP
fsr-3479	258	7	the	the	DET
fsr-3479	258	8	theoretical	theoretical	ADJ
fsr-3479	258	9	framework	framework	NOUN
fsr-3479	258	10	that	that	PRON
fsr-3479	258	11	rias	ria	NOUN
fsr-3479	258	12	expend	expend	VERB
fsr-3479	258	13	less	less	ADV
fsr-3479	258	14	cognitive	cognitive	ADJ
fsr-3479	258	15	energy	energy	NOUN
fsr-3479	258	16	during	during	ADP
fsr-3479	258	17	the	the	DET
fsr-3479	258	18	day	day	NOUN
fsr-3479	258	19	-	-	PUNCT
fsr-3479	258	20	to	to	ADP
fsr-3479	258	21	-	-	PUNCT
fsr-3479	258	22	day	day	NOUN
fsr-3479	258	23	activities	activity	NOUN
fsr-3479	258	24	of	of	ADP
fsr-3479	258	25	a	a	DET
fsr-3479	258	26	practicing	practice	VERB
fsr-3479	258	27	financial	financial	ADJ
fsr-3479	258	28	advisor	advisor	NOUN
fsr-3479	258	29	due	due	ADP
fsr-3479	258	30	to	to	ADP
fsr-3479	258	31	the	the	DET
fsr-3479	258	32	lack	lack	NOUN
fsr-3479	258	33	of	of	ADP
fsr-3479	258	34	the	the	DET
fsr-3479	258	35	requirement	requirement	NOUN
fsr-3479	258	36	to	to	PART
fsr-3479	258	37	complete	complete	VERB
fsr-3479	258	38	the	the	DET
fsr-3479	258	39	table	table	NOUN
fsr-3479	258	40	6	6	NUM
fsr-3479	258	41	regressions	regression	NOUN
fsr-3479	258	42	#	#	SYM
fsr-3479	258	43	3	3	NUM
fsr-3479	258	44	results	result	NOUN
fsr-3479	258	45	for	for	ADP
fsr-3479	258	46	each	each	PRON
fsr-3479	258	47	of	of	ADP
fsr-3479	258	48	the	the	DET
fsr-3479	258	49	portfolio	portfolio	NOUN
fsr-3479	258	50	management	management	NOUN
fsr-3479	258	51	approaches	approach	NOUN
fsr-3479	258	52	,	,	PUNCT
fsr-3479	258	53	where	where	SCONJ
fsr-3479	258	54	one-	one-	ADP
fsr-3479	258	55	,	,	PUNCT
fsr-3479	258	56	three-	three-	ADJ
fsr-3479	258	57	,	,	PUNCT
fsr-3479	258	58	and	and	CCONJ
fsr-3479	258	59	fiveyear	fiveyear	NOUN
fsr-3479	258	60	returns	return	NOUN
fsr-3479	258	61	are	be	AUX
fsr-3479	258	62	the	the	DET
fsr-3479	258	63	dependent	dependent	ADJ
fsr-3479	258	64	variables	variable	NOUN
fsr-3479	258	65	one	one	NUM
fsr-3479	258	66	-	-	PUNCT
fsr-3479	258	67	year	year	NOUN
fsr-3479	258	68	return	return	NOUN
fsr-3479	258	69	three	three	NUM
fsr-3479	258	70	-	-	PUNCT
fsr-3479	258	71	year	year	NOUN
fsr-3479	258	72	return	return	NOUN
fsr-3479	258	73	five	five	NUM
fsr-3479	258	74	-	-	PUNCT
fsr-3479	258	75	year	year	NOUN
fsr-3479	258	76	return	return	NOUN
fsr-3479	258	77	amp	amp	NOUN
fsr-3479	258	78	intercept	intercept	NOUN
fsr-3479	258	79	0.0434	0.0434	NUM
fsr-3479	258	80	*	*	PUNCT
fsr-3479	258	81	*	*	PUNCT
fsr-3479	258	82	*	*	PUNCT
fsr-3479	259	1	0.0278	0.0278	NUM
fsr-3479	259	2	*	*	PUNCT
fsr-3479	259	3	*	*	PUNCT
fsr-3479	259	4	*	*	PUNCT
fsr-3479	260	1	0.0194	0.0194	NUM
fsr-3479	260	2	*	*	PUNCT
fsr-3479	260	3	*	*	PUNCT
fsr-3479	260	4	*	*	PUNCT
fsr-3479	260	5	ria	ria	PROPN
fsr-3479	260	6	�	�	PROPN
fsr-3479	260	7	0.0016	0.0016	NUM
fsr-3479	260	8	�	�	PROPN
fsr-3479	260	9	0.0166	0.0166	NUM
fsr-3479	260	10	*	*	PROPN
fsr-3479	260	11	*	*	PROPN
fsr-3479	260	12	�	�	PROPN
fsr-3479	260	13	0.0108	0.0108	NUM
fsr-3479	260	14	*	*	PUNCT
fsr-3479	260	15	portfolio	portfolio	NOUN
fsr-3479	260	16	risk	risk	NOUN
fsr-3479	260	17	0.0006	0.0006	NUM
fsr-3479	260	18	0.0126	0.0126	NUM
fsr-3479	260	19	*	*	PUNCT
fsr-3479	260	20	*	*	PUNCT
fsr-3479	260	21	*	*	PUNCT
fsr-3479	260	22	0.0060	0.0060	NUM
fsr-3479	260	23	*	*	PUNCT
fsr-3479	260	24	*	*	PUNCT
fsr-3479	260	25	*	*	PUNCT
fsr-3479	261	1	ria*portfolio	ria*portfolio	PRON
fsr-3479	261	2	risk	risk	NOUN
fsr-3479	261	3	�	�	NOUN
fsr-3479	261	4	0.0001	0.0001	NUM
fsr-3479	261	5	0.0039	0.0039	NUM
fsr-3479	261	6	*	*	NOUN
fsr-3479	261	7	*	*	PROPN
fsr-3479	261	8	0.0026	0.0026	NUM
fsr-3479	261	9	*	*	PUNCT
fsr-3479	261	10	r2	r2	PROPN
fsr-3479	261	11	0.001	0.001	NUM
fsr-3479	261	12	0.31	0.31	NUM
fsr-3479	261	13	0.17	0.17	NUM
fsr-3479	261	14	n	n	NUM
fsr-3479	261	15	1,585	1,585	NUM
fsr-3479	261	16	1,151	1,151	NUM
fsr-3479	261	17	858	858	NUM
fsr-3479	261	18	uma	uma	PROPN
fsr-3479	261	19	intercept	intercept	NOUN
fsr-3479	261	20	0.0325	0.0325	NUM
fsr-3479	261	21	*	*	PUNCT
fsr-3479	261	22	*	*	PUNCT
fsr-3479	261	23	*	*	PUNCT
fsr-3479	262	1	0.0185	0.0185	NUM
fsr-3479	262	2	*	*	PUNCT
fsr-3479	262	3	*	*	PUNCT
fsr-3479	262	4	*	*	PUNCT
fsr-3479	262	5	0.0109	0.0109	NUM
fsr-3479	262	6	*	*	PUNCT
fsr-3479	262	7	*	*	PUNCT
fsr-3479	262	8	*	*	PUNCT
fsr-3479	262	9	ria	ria	PROPN
fsr-3479	262	10	�	�	PROPN
fsr-3479	262	11	0.0098	0.0098	NUM
fsr-3479	262	12	*	*	PUNCT
fsr-3479	262	13	�	�	PROPN
fsr-3479	262	14	0.0075	0.0075	NUM
fsr-3479	262	15	*	*	PUNCT
fsr-3479	262	16	�	�	PROPN
fsr-3479	262	17	0.0081	0.0081	NUM
fsr-3479	262	18	*	*	NOUN
fsr-3479	262	19	*	*	PROPN
fsr-3479	262	20	portfolio	portfolio	NOUN
fsr-3479	262	21	risk	risk	NOUN
fsr-3479	262	22	0.0002	0.0002	NUM
fsr-3479	262	23	0.0135	0.0135	NUM
fsr-3479	262	24	*	*	PUNCT
fsr-3479	262	25	*	*	PUNCT
fsr-3479	262	26	*	*	PUNCT
fsr-3479	262	27	0.0062	0.0062	NUM
fsr-3479	262	28	*	*	PUNCT
fsr-3479	262	29	*	*	PUNCT
fsr-3479	262	30	*	*	PUNCT
fsr-3479	263	1	ria*portfolio	ria*portfolio	VERB
fsr-3479	263	2	risk	risk	NOUN
fsr-3479	263	3	0.0036	0.0036	NUM
fsr-3479	263	4	*	*	NOUN
fsr-3479	263	5	*	*	PUNCT
fsr-3479	264	1	0.0010	0.0010	NUM
fsr-3479	264	2	0.0021	0.0021	NUM
fsr-3479	264	3	*	*	PUNCT
fsr-3479	264	4	r2	r2	PROPN
fsr-3479	264	5	0.017	0.017	NUM
fsr-3479	264	6	0.46	0.46	NUM
fsr-3479	264	7	0.26	0.26	NUM
fsr-3479	264	8	n	n	NUM
fsr-3479	264	9	1,484	1,484	NUM
fsr-3479	264	10	1,163	1,163	NUM
fsr-3479	264	11	857	857	NUM
fsr-3479	264	12	tamp	tamp	NOUN
fsr-3479	264	13	intercept	intercept	NOUN
fsr-3479	264	14	0.0414	0.0414	NUM
fsr-3479	264	15	*	*	PUNCT
fsr-3479	264	16	*	*	PUNCT
fsr-3479	264	17	*	*	PUNCT
fsr-3479	265	1	0.0063	0.0063	NUM
fsr-3479	265	2	*	*	PUNCT
fsr-3479	265	3	*	*	PUNCT
fsr-3479	265	4	*	*	PUNCT
fsr-3479	265	5	0.0051	0.0051	NUM
fsr-3479	265	6	*	*	PUNCT
fsr-3479	265	7	*	*	PUNCT
fsr-3479	265	8	*	*	PUNCT
fsr-3479	265	9	ria	ria	PROPN
fsr-3479	265	10	�	�	PROPN
fsr-3479	265	11	0.0050	0.0050	PROPN
fsr-3479	265	12	*	*	PUNCT
fsr-3479	265	13	�	�	PROPN
fsr-3479	265	14	0.0058	0.0058	NUM
fsr-3479	265	15	*	*	NOUN
fsr-3479	265	16	*	*	PROPN
fsr-3479	265	17	�	�	PROPN
fsr-3479	265	18	0.0032	0.0032	NUM
fsr-3479	265	19	portfolio	portfolio	NOUN
fsr-3479	265	20	risk	risk	NOUN
fsr-3479	265	21	�	�	PROPN
fsr-3479	265	22	0.0028	0.0028	NUM
fsr-3479	265	23	*	*	NOUN
fsr-3479	265	24	*	*	PUNCT
fsr-3479	265	25	*	*	PUNCT
fsr-3479	265	26	0.0157	0.0157	NUM
fsr-3479	265	27	*	*	PUNCT
fsr-3479	265	28	*	*	PUNCT
fsr-3479	265	29	*	*	PUNCT
fsr-3479	265	30	0.0076	0.0076	NUM
fsr-3479	265	31	*	*	PUNCT
fsr-3479	265	32	*	*	PUNCT
fsr-3479	265	33	*	*	PUNCT
fsr-3479	265	34	ria*portfolio	ria*portfolio	VERB
fsr-3479	265	35	risk	risk	NOUN
fsr-3479	265	36	0.0043	0.0043	NUM
fsr-3479	265	37	*	*	PUNCT
fsr-3479	265	38	*	*	PUNCT
fsr-3479	265	39	*	*	PUNCT
fsr-3479	265	40	0.0030	0.0030	NUM
fsr-3479	265	41	*	*	PUNCT
fsr-3479	265	42	*	*	PUNCT
fsr-3479	265	43	*	*	PUNCT
fsr-3479	265	44	0.0021	0.0021	NUM
fsr-3479	265	45	*	*	PUNCT
fsr-3479	265	46	*	*	PUNCT
fsr-3479	265	47	*	*	PUNCT
fsr-3479	265	48	r2	r2	PROPN
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fsr-3479	265	50	0.59	0.59	NUM
fsr-3479	265	51	0.34	0.34	NUM
fsr-3479	265	52	n	n	ADP
fsr-3479	265	53	3,789	3,789	NUM
fsr-3479	265	54	3,132	3,132	NUM
fsr-3479	265	55	2,434	2,434	NUM
fsr-3479	265	56	note	note	NOUN
fsr-3479	265	57	.	.	PUNCT
fsr-3479	266	1	portfolio	portfolio	NOUN
fsr-3479	266	2	risk	risk	NOUN
fsr-3479	266	3	and	and	CCONJ
fsr-3479	266	4	an	an	DET
fsr-3479	266	5	interaction	interaction	NOUN
fsr-3479	266	6	term	term	NOUN
fsr-3479	266	7	combining	combine	VERB
fsr-3479	266	8	ria	ria	PROPN
fsr-3479	266	9	and	and	CCONJ
fsr-3479	266	10	portfolio	portfolio	NOUN
fsr-3479	266	11	risk	risk	NOUN
fsr-3479	266	12	are	be	AUX
fsr-3479	266	13	included	include	VERB
fsr-3479	266	14	in	in	ADP
fsr-3479	266	15	each	each	PRON
fsr-3479	266	16	of	of	ADP
fsr-3479	266	17	the	the	DET
fsr-3479	266	18	regressions	regression	NOUN
fsr-3479	266	19	as	as	ADP
fsr-3479	266	20	independent	independent	ADJ
fsr-3479	266	21	variables	variable	NOUN
fsr-3479	266	22	.	.	PUNCT
fsr-3479	267	1	*	*	PUNCT
fsr-3479	268	1	*	*	PUNCT
fsr-3479	268	2	*	*	PUNCT
fsr-3479	268	3	p	p	X
fsr-3479	268	4	<	<	X
fsr-3479	268	5	0.001	0.001	NUM
fsr-3479	268	6	,	,	PUNCT
fsr-3479	268	7	*	*	PUNCT
fsr-3479	268	8	*	*	PUNCT
fsr-3479	268	9	p	p	X
fsr-3479	268	10	<	<	X
fsr-3479	268	11	.01	.01	NUM
fsr-3479	268	12	,	,	PUNCT
fsr-3479	268	13	*	*	PUNCT
fsr-3479	268	14	p	p	X
fsr-3479	268	15	<	<	X
fsr-3479	268	16	.05	.05	NUM
fsr-3479	268	17	.	.	PUNCT
fsr-3479	268	18	158	158	NUM
fsr-3479	268	19	j.	j.	PROPN
fsr-3479	268	20	e.	e.	PROPN
fsr-3479	268	21	heller	heller	PROPN
fsr-3479	268	22	et	et	PROPN
fsr-3479	268	23	al	al	PROPN
fsr-3479	268	24	.	.	PUNCT
fsr-3479	268	25	/	/	SYM
fsr-3479	268	26	financial	financial	ADJ
fsr-3479	268	27	services	service	NOUN
fsr-3479	268	28	review	review	VERB
fsr-3479	268	29	30	30	NUM
fsr-3479	268	30	(	(	PUNCT
fsr-3479	268	31	2022	2022	NUM
fsr-3479	268	32	)	)	PUNCT
fsr-3479	269	1	145–164	145–164	NUM
fsr-3479	270	1	t	t	PROPN
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fsr-3479	270	4	7	7	NUM
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fsr-3479	270	6	if	if	SCONJ
fsr-3479	270	7	fe	fe	X
fsr-3479	270	8	re	re	X
fsr-3479	270	9	n	n	X
fsr-3479	270	10	ce	ce	PROPN
fsr-3479	270	11	s	s	PROPN
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fsr-3479	270	13	m	m	PROPN
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fsr-3479	270	16	re	re	VERB
fsr-3479	270	17	tu	tu	PROPN
fsr-3479	270	18	rn	rn	PROPN
fsr-3479	270	19	s	s	PROPN
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fsr-3479	270	21	r	r	NOUN
fsr-3479	270	22	r	r	NOUN
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fsr-3479	270	25	an	an	DET
fsr-3479	270	26	d	d	NOUN
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fsr-3479	270	28	d	d	PROPN
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fsr-3479	271	3	te	te	PROPN
fsr-3479	271	4	g	g	PROPN
fsr-3479	271	5	o	o	INTJ
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fsr-3479	272	2	d	d	NOUN
fsr-3479	272	3	if	if	SCONJ
fsr-3479	272	4	fe	fe	X
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fsr-3479	272	8	s	s	PART
fsr-3479	272	9	(	(	PUNCT
fsr-3479	272	10	r	r	PROPN
fsr-3479	272	11	ia	ia	PROPN
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fsr-3479	273	5	r	r	NOUN
fsr-3479	273	6	is	be	AUX
fsr-3479	273	7	k	k	INTJ
fsr-3479	273	8	ca	can	AUX
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fsr-3479	273	10	g	g	PROPN
fsr-3479	273	11	o	o	X
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fsr-3479	273	13	#	#	NOUN
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fsr-3479	273	16	c	c	AUX
fsr-3479	273	17	ap	ap	PROPN
fsr-3479	273	18	it	it	PRON
fsr-3479	274	1	al	al	PROPN
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fsr-3479	274	3	re	re	X
fsr-3479	274	4	se	se	PROPN
fsr-3479	274	5	rv	rv	PROPN
fsr-3479	274	6	at	at	ADP
fsr-3479	274	7	io	io	PROPN
fsr-3479	274	8	n	n	CCONJ
fsr-3479	274	9	)	)	PUNCT
fsr-3479	274	10	#	#	NOUN
fsr-3479	274	11	2	2	NUM
fsr-3479	274	12	(	(	PUNCT
fsr-3479	274	13	c	c	NOUN
fsr-3479	274	14	o	o	X
fsr-3479	274	15	n	n	X
fsr-3479	274	16	se	se	X
fsr-3479	274	17	rv	rv	PROPN
fsr-3479	274	18	at	at	ADP
fsr-3479	274	19	iv	iv	NUM
fsr-3479	274	20	e	e	NOUN
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fsr-3479	274	22	#	#	NOUN
fsr-3479	274	23	3	3	NUM
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fsr-3479	274	25	m	m	NOUN
fsr-3479	274	26	o	o	X
fsr-3479	275	1	d	d	X
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fsr-3479	275	3	at	at	ADP
fsr-3479	275	4	e	e	NOUN
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fsr-3479	275	8	(	(	PUNCT
fsr-3479	275	9	g	g	PROPN
fsr-3479	275	10	ro	ro	PROPN
fsr-3479	275	11	w	w	PROPN
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fsr-3479	275	13	)	)	PUNCT
fsr-3479	275	14	#	#	NOUN
fsr-3479	275	15	5	5	NUM
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fsr-3479	275	17	a	a	DET
fsr-3479	275	18	g	g	NOUN
fsr-3479	275	19	g	g	PROPN
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fsr-3479	275	21	ss	ss	NOUN
fsr-3479	275	22	iv	iv	NUM
fsr-3479	275	23	e	e	X
fsr-3479	275	24	g	g	PROPN
fsr-3479	275	25	ro	ro	PROPN
fsr-3479	275	26	w	w	PROPN
fsr-3479	275	27	th	th	PROPN
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fsr-3479	275	29	a	a	DET
fsr-3479	275	30	m	m	NOUN
fsr-3479	275	31	p	p	X
fsr-3479	275	32	o	o	X
fsr-3479	275	33	n	n	CCONJ
fsr-3479	276	1	ey	ey	INTJ
fsr-3479	276	2	ea	ea	NOUN
fsr-3479	276	3	r	r	NOUN
fsr-3479	276	4	re	re	PROPN
fsr-3479	276	5	tu	tu	PROPN
fsr-3479	276	6	rn	rn	PROPN
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fsr-3479	276	8	0	0	NUM
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fsr-3479	276	13	0	0	NUM
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fsr-3479	276	15	0	0	NUM
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fsr-3479	277	2	0	0	NUM
fsr-3479	278	1	.4	.4	NUM
fsr-3479	278	2	5	5	NUM
fsr-3479	278	3	%	%	NOUN
fsr-3479	278	4	�	�	NOUN
fsr-3479	278	5	0	0	NUM
fsr-3479	278	6	.5	.5	NUM
fsr-3479	278	7	9	9	NUM
fsr-3479	278	8	%	%	NOUN
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fsr-3479	278	10	0	0	NUM
fsr-3479	278	11	.0	.0	NUM
fsr-3479	278	12	7	7	NUM
fsr-3479	278	13	%	%	NOUN
fsr-3479	278	14	t	t	PROPN
fsr-3479	278	15	h	h	NOUN
fsr-3479	278	16	re	re	VERB
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fsr-3479	278	18	ea	ea	X
fsr-3479	278	19	r	r	NOUN
fsr-3479	278	20	re	re	PROPN
fsr-3479	278	21	tu	tu	PROPN
fsr-3479	278	22	rn	rn	PROPN
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fsr-3479	278	24	0	0	PROPN
fsr-3479	278	25	.6	.6	NUM
fsr-3479	278	26	0	0	NUM
fsr-3479	278	27	%	%	NOUN
fsr-3479	278	28	�	�	PROPN
fsr-3479	278	29	0	0	NUM
fsr-3479	278	30	.8	.8	PROPN
fsr-3479	278	31	0	0	NUM
fsr-3479	279	1	%	%	NOUN
fsr-3479	279	2	*	*	PUNCT
fsr-3479	279	3	*	*	PUNCT
fsr-3479	279	4	�	�	PROPN
fsr-3479	279	5	0	0	NUM
fsr-3479	279	6	.7	.7	NUM
fsr-3479	279	7	6	6	NUM
fsr-3479	279	8	%	%	NOUN
fsr-3479	279	9	*	*	PUNCT
fsr-3479	279	10	�	�	PROPN
fsr-3479	279	11	0	0	NUM
fsr-3479	279	12	.7	.7	PROPN
fsr-3479	279	13	0	0	NUM
fsr-3479	280	1	%	%	NOUN
fsr-3479	281	1	*	*	PUNCT
fsr-3479	282	1	*	*	PUNCT
fsr-3479	282	2	1	1	NUM
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fsr-3479	282	4	9	9	NUM
fsr-3479	282	5	%	%	NOUN
fsr-3479	282	6	f	f	NOUN
fsr-3479	282	7	iv	iv	NUM
fsr-3479	282	8	ey	ey	PROPN
fsr-3479	282	9	ea	ea	NOUN
fsr-3479	282	10	r	r	NOUN
fsr-3479	282	11	re	re	PROPN
fsr-3479	282	12	tu	tu	PROPN
fsr-3479	282	13	rn	rn	PROPN
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fsr-3479	282	15	0	0	NUM
fsr-3479	282	16	.4	.4	NUM
fsr-3479	282	17	3	3	NUM
fsr-3479	282	18	%	%	NOUN
fsr-3479	282	19	�	�	PROPN
fsr-3479	282	20	0	0	NUM
fsr-3479	282	21	.6	.6	NUM
fsr-3479	282	22	1	1	NUM
fsr-3479	282	23	%	%	NOUN
fsr-3479	282	24	�	�	PROPN
fsr-3479	282	25	0	0	NUM
fsr-3479	282	26	.4	.4	NUM
fsr-3479	282	27	2	2	NUM
fsr-3479	282	28	%	%	NOUN
fsr-3479	282	29	�	�	NOUN
fsr-3479	282	30	0	0	NUM
fsr-3479	282	31	.5	.5	NUM
fsr-3479	282	32	5	5	NUM
fsr-3479	282	33	%	%	NOUN
fsr-3479	282	34	0	0	NUM
fsr-3479	282	35	.7	.7	NUM
fsr-3479	282	36	1	1	NUM
fsr-3479	282	37	%	%	NOUN
fsr-3479	282	38	*	*	PUNCT
fsr-3479	282	39	*	*	PUNCT
fsr-3479	282	40	u	u	NOUN
fsr-3479	282	41	m	m	VERB
fsr-3479	282	42	a	a	DET
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fsr-3479	282	44	n	n	ADV
fsr-3479	282	45	ey	ey	INTJ
fsr-3479	282	46	ea	ea	NOUN
fsr-3479	282	47	r	r	NOUN
fsr-3479	282	48	re	re	PROPN
fsr-3479	282	49	tu	tu	PROPN
fsr-3479	282	50	rn	rn	PROPN
fsr-3479	282	51	�	�	PROPN
fsr-3479	282	52	0	0	NUM
fsr-3479	282	53	.9	.9	NUM
fsr-3479	282	54	1	1	NUM
fsr-3479	282	55	%	%	NOUN
fsr-3479	282	56	0	0	NUM
fsr-3479	282	57	.1	.1	NUM
fsr-3479	282	58	8	8	NUM
fsr-3479	282	59	%	%	NOUN
fsr-3479	282	60	0	0	NUM
fsr-3479	282	61	.1	.1	NUM
fsr-3479	282	62	7	7	NUM
fsr-3479	282	63	%	%	NOUN
fsr-3479	282	64	�	�	PROPN
fsr-3479	282	65	0	0	NUM
fsr-3479	282	66	.0	.0	NUM
fsr-3479	282	67	1	1	NUM
fsr-3479	282	68	%	%	NOUN
fsr-3479	282	69	1	1	NUM
fsr-3479	282	70	.0	.0	NUM
fsr-3479	282	71	0	0	NUM
fsr-3479	283	1	%	%	NOUN
fsr-3479	283	2	*	*	PUNCT
fsr-3479	284	1	*	*	PUNCT
fsr-3479	284	2	t	t	PROPN
fsr-3479	284	3	h	h	NOUN
fsr-3479	284	4	re	re	VERB
fsr-3479	284	5	ey	ey	PROPN
fsr-3479	284	6	ea	ea	X
fsr-3479	284	7	r	r	NOUN
fsr-3479	284	8	re	re	PROPN
fsr-3479	284	9	tu	tu	PROPN
fsr-3479	284	10	rn	rn	PROPN
fsr-3479	284	11	0	0	PROPN
fsr-3479	284	12	.1	.1	NUM
fsr-3479	284	13	5	5	NUM
fsr-3479	284	14	%	%	NOUN
fsr-3479	284	15	�	�	PROPN
fsr-3479	284	16	0	0	NUM
fsr-3479	284	17	.6	.6	NUM
fsr-3479	284	18	7	7	NUM
fsr-3479	284	19	%	%	NOUN
fsr-3479	284	20	*	*	PUNCT
fsr-3479	284	21	�	�	PROPN
fsr-3479	284	22	0	0	NUM
fsr-3479	284	23	.7	.7	NUM
fsr-3479	284	24	6	6	NUM
fsr-3479	284	25	%	%	NOUN
fsr-3479	285	1	*	*	PUNCT
fsr-3479	285	2	*	*	PUNCT
fsr-3479	285	3	*	*	PUNCT
fsr-3479	285	4	�	�	PROPN
fsr-3479	285	5	0	0	NUM
fsr-3479	285	6	.4	.4	NUM
fsr-3479	285	7	3	3	NUM
fsr-3479	285	8	%	%	NOUN
fsr-3479	285	9	*	*	PUNCT
fsr-3479	285	10	*	*	PUNCT
fsr-3479	285	11	�	�	PROPN
fsr-3479	285	12	0	0	NUM
fsr-3479	285	13	.0	.0	NUM
fsr-3479	285	14	7	7	NUM
fsr-3479	285	15	%	%	NOUN
fsr-3479	286	1	f	f	NOUN
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fsr-3479	286	5	r	r	NOUN
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fsr-3479	286	7	tu	tu	PROPN
fsr-3479	286	8	rn	rn	PROPN
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fsr-3479	286	11	.1	.1	NUM
fsr-3479	286	12	8	8	NUM
fsr-3479	286	13	%	%	NOUN
fsr-3479	286	14	�	�	PROPN
fsr-3479	286	15	0	0	NUM
fsr-3479	286	16	.4	.4	NUM
fsr-3479	286	17	3	3	NUM
fsr-3479	286	18	%	%	NOUN
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fsr-3479	286	20	0	0	NUM
fsr-3479	286	21	.3	.3	NUM
fsr-3479	286	22	0	0	NUM
fsr-3479	286	23	%	%	NOUN
fsr-3479	286	24	�	�	PROPN
fsr-3479	286	25	0	0	NUM
fsr-3479	286	26	.1	.1	NUM
fsr-3479	286	27	1	1	NUM
fsr-3479	286	28	%	%	NOUN
fsr-3479	286	29	0	0	NUM
fsr-3479	286	30	.3	.3	NUM
fsr-3479	286	31	6	6	NUM
fsr-3479	286	32	%	%	NOUN
fsr-3479	286	33	t	t	PROPN
fsr-3479	286	34	a	a	DET
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fsr-3479	286	44	rn	rn	PROPN
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fsr-3479	286	46	0	0	PROPN
fsr-3479	286	47	.1	.1	NUM
fsr-3479	286	48	4	4	NUM
fsr-3479	286	49	%	%	NOUN
fsr-3479	286	50	0	0	NUM
fsr-3479	287	1	.7	.7	NUM
fsr-3479	287	2	5	5	NUM
fsr-3479	287	3	%	%	NOUN
fsr-3479	287	4	*	*	PUNCT
fsr-3479	288	1	*	*	PUNCT
fsr-3479	289	1	*	*	PUNCT
fsr-3479	289	2	0	0	NUM
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fsr-3479	289	4	5	5	NUM
fsr-3479	289	5	%	%	NOUN
fsr-3479	289	6	0	0	NUM
fsr-3479	289	7	.5	.5	NUM
fsr-3479	289	8	8	8	NUM
fsr-3479	289	9	%	%	NOUN
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fsr-3479	290	1	*	*	PUNCT
fsr-3479	290	2	1	1	NUM
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fsr-3479	290	4	1	1	NUM
fsr-3479	290	5	%	%	NOUN
fsr-3479	290	6	*	*	PUNCT
fsr-3479	291	1	*	*	PUNCT
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fsr-3479	291	3	t	t	PROPN
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fsr-3479	291	5	re	re	VERB
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fsr-3479	291	14	.5	.5	NUM
fsr-3479	291	15	0	0	NUM
fsr-3479	292	1	%	%	NOUN
fsr-3479	292	2	*	*	PUNCT
fsr-3479	293	1	*	*	PUNCT
fsr-3479	293	2	*	*	PUNCT
fsr-3479	293	3	0	0	NUM
fsr-3479	294	1	.8	.8	NUM
fsr-3479	294	2	6	6	NUM
fsr-3479	294	3	%	%	NOUN
fsr-3479	294	4	*	*	PUNCT
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fsr-3479	295	3	0	0	NUM
fsr-3479	295	4	.2	.2	NUM
fsr-3479	295	5	4	4	NUM
fsr-3479	295	6	%	%	NOUN
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fsr-3479	295	8	0	0	NUM
fsr-3479	295	9	.1	.1	NUM
fsr-3479	295	10	6	6	NUM
fsr-3479	295	11	%	%	NOUN
fsr-3479	295	12	1	1	NUM
fsr-3479	295	13	.1	.1	NUM
fsr-3479	295	14	7	7	NUM
fsr-3479	295	15	%	%	NOUN
fsr-3479	295	16	*	*	PUNCT
fsr-3479	296	1	*	*	PUNCT
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fsr-3479	296	3	f	f	X
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fsr-3479	296	7	r	r	NOUN
fsr-3479	296	8	re	re	PROPN
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fsr-3479	296	10	rn	rn	PROPN
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fsr-3479	296	12	0	0	NUM
fsr-3479	296	13	.3	.3	NUM
fsr-3479	296	14	3	3	NUM
fsr-3479	296	15	%	%	NOUN
fsr-3479	296	16	*	*	NOUN
fsr-3479	296	17	0	0	NUM
fsr-3479	297	1	.4	.4	NUM
fsr-3479	297	2	7	7	NUM
fsr-3479	297	3	%	%	NOUN
fsr-3479	297	4	*	*	PUNCT
fsr-3479	297	5	0	0	NUM
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fsr-3479	297	7	5	5	NUM
fsr-3479	297	8	%	%	NOUN
fsr-3479	297	9	0	0	NUM
fsr-3479	298	1	.2	.2	NUM
fsr-3479	298	2	0	0	NUM
fsr-3479	298	3	%	%	NOUN
fsr-3479	298	4	0	0	NUM
fsr-3479	299	1	.7	.7	NUM
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fsr-3479	299	3	%	%	NOUN
fsr-3479	299	4	*	*	PUNCT
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fsr-3479	301	1	s	s	VERB
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fsr-3479	302	8	lt	lt	PROPN
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fsr-3479	302	47	*	*	PUNCT
fsr-3479	303	1	*	*	PUNCT
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fsr-3479	303	5	0	0	NUM
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fsr-3479	303	7	0	0	NUM
fsr-3479	303	8	1	1	NUM
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fsr-3479	304	1	*	*	PUNCT
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fsr-3479	304	5	1	1	NUM
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fsr-3479	304	8	p	p	X
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fsr-3479	304	10	.0	.0	NUM
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fsr-3479	305	1	j.	j.	PROPN
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fsr-3479	305	6	.	.	PUNCT
fsr-3479	305	7	/	/	SYM
fsr-3479	305	8	financial	financial	ADJ
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fsr-3479	305	10	review	review	VERB
fsr-3479	305	11	30	30	NUM
fsr-3479	305	12	(	(	PUNCT
fsr-3479	305	13	2022	2022	NUM
fsr-3479	305	14	)	)	PUNCT
fsr-3479	305	15	145–164	145–164	NUM
fsr-3479	305	16	159	159	NUM
fsr-3479	305	17	compensation	compensation	NOUN
fsr-3479	305	18	puzzle	puzzle	NOUN
fsr-3479	305	19	.	.	PUNCT
fsr-3479	306	1	the	the	DET
fsr-3479	306	2	absence	absence	NOUN
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fsr-3479	306	4	this	this	DET
fsr-3479	306	5	mental	mental	ADJ
fsr-3479	306	6	calculus	calculus	NOUN
fsr-3479	306	7	,	,	PUNCT
fsr-3479	306	8	that	that	DET
fsr-3479	306	9	ibds	ibds	NOUN
fsr-3479	306	10	must	must	AUX
fsr-3479	306	11	perform	perform	VERB
fsr-3479	306	12	for	for	ADP
fsr-3479	306	13	every	every	DET
fsr-3479	306	14	client	client	NOUN
fsr-3479	306	15	,	,	PUNCT
fsr-3479	306	16	frees	free	VERB
fsr-3479	306	17	working	working	NOUN
fsr-3479	306	18	memory	memory	NOUN
fsr-3479	306	19	capacity	capacity	NOUN
fsr-3479	306	20	to	to	PART
fsr-3479	306	21	potentially	potentially	ADV
fsr-3479	306	22	utilize	utilize	VERB
fsr-3479	306	23	in	in	ADP
fsr-3479	306	24	investment	investment	NOUN
fsr-3479	306	25	management	management	NOUN
fsr-3479	306	26	.	.	PUNCT
fsr-3479	307	1	our	our	PRON
fsr-3479	307	2	analysis	analysis	NOUN
fsr-3479	307	3	confirmed	confirm	VERB
fsr-3479	307	4	that	that	SCONJ
fsr-3479	307	5	risk	risk	NOUN
fsr-3479	307	6	is	be	AUX
fsr-3479	307	7	an	an	DET
fsr-3479	307	8	important	important	ADJ
fsr-3479	307	9	aspect	aspect	NOUN
fsr-3479	307	10	to	to	PART
fsr-3479	307	11	consider	consider	VERB
fsr-3479	307	12	when	when	SCONJ
fsr-3479	307	13	evaluating	evaluate	VERB
fsr-3479	307	14	the	the	DET
fsr-3479	307	15	relative	relative	ADJ
fsr-3479	307	16	performance	performance	NOUN
fsr-3479	307	17	of	of	ADP
fsr-3479	307	18	rias	ria	NOUN
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fsr-3479	307	20	ibds	ibds	NOUN
fsr-3479	307	21	.	.	PUNCT
fsr-3479	308	1	overall	overall	ADV
fsr-3479	308	2	,	,	PUNCT
fsr-3479	308	3	rias	rias	PROPN
fsr-3479	308	4	may	may	AUX
fsr-3479	308	5	not	not	PART
fsr-3479	308	6	outperform	outperform	VERB
fsr-3479	308	7	ibds	ibds	NOUN
fsr-3479	308	8	;	;	PUNCT
fsr-3479	308	9	however	however	ADV
fsr-3479	308	10	,	,	PUNCT
fsr-3479	308	11	when	when	SCONJ
fsr-3479	308	12	considering	consider	VERB
fsr-3479	308	13	the	the	DET
fsr-3479	308	14	risk	risk	NOUN
fsr-3479	308	15	category	category	NOUN
fsr-3479	308	16	of	of	ADP
fsr-3479	308	17	the	the	DET
fsr-3479	308	18	portfolio	portfolio	NOUN
fsr-3479	308	19	,	,	PUNCT
fsr-3479	308	20	our	our	PRON
fsr-3479	308	21	findings	finding	NOUN
fsr-3479	308	22	provide	provide	VERB
fsr-3479	308	23	qualified	qualified	ADJ
fsr-3479	308	24	support	support	NOUN
fsr-3479	308	25	for	for	ADP
fsr-3479	308	26	our	our	PRON
fsr-3479	308	27	hypothesis	hypothesis	NOUN
fsr-3479	308	28	that	that	PRON
fsr-3479	308	29	rias	ria	NOUN
fsr-3479	308	30	tend	tend	VERB
fsr-3479	308	31	to	to	PART
fsr-3479	308	32	outperform	outperform	VERB
fsr-3479	308	33	ibds	ibds	NOUN
fsr-3479	308	34	for	for	ADP
fsr-3479	308	35	portfolios	portfolio	NOUN
fsr-3479	308	36	in	in	ADP
fsr-3479	308	37	higher	high	ADJ
fsr-3479	308	38	risk	risk	NOUN
fsr-3479	308	39	categories	category	NOUN
fsr-3479	308	40	.	.	PUNCT
fsr-3479	309	1	rias	ria	NOUN
fsr-3479	309	2	outperforming	outperform	VERB
fsr-3479	309	3	at	at	ADP
fsr-3479	309	4	higher	high	ADJ
fsr-3479	309	5	risk	risk	NOUN
fsr-3479	309	6	categories	category	NOUN
fsr-3479	309	7	can	can	AUX
fsr-3479	309	8	be	be	AUX
fsr-3479	309	9	explained	explain	VERB
fsr-3479	309	10	through	through	ADP
fsr-3479	309	11	the	the	DET
fsr-3479	309	12	theoretical	theoretical	ADJ
fsr-3479	309	13	framework	framework	NOUN
fsr-3479	309	14	and	and	CCONJ
fsr-3479	309	15	the	the	DET
fsr-3479	309	16	equity	equity	NOUN
fsr-3479	309	17	risk	risk	NOUN
fsr-3479	309	18	premium	premium	NOUN
fsr-3479	309	19	,	,	PUNCT
fsr-3479	309	20	or	or	CCONJ
fsr-3479	309	21	the	the	DET
fsr-3479	309	22	excess	excess	ADJ
fsr-3479	309	23	return	return	NOUN
fsr-3479	309	24	above	above	ADP
fsr-3479	309	25	the	the	DET
fsr-3479	309	26	risk	risk	NOUN
fsr-3479	309	27	-	-	PUNCT
fsr-3479	309	28	free	free	ADJ
fsr-3479	309	29	rate	rate	NOUN
fsr-3479	309	30	provided	provide	VERB
fsr-3479	309	31	to	to	ADP
fsr-3479	309	32	investors	investor	NOUN
fsr-3479	309	33	for	for	ADP
fsr-3479	309	34	taking	take	VERB
fsr-3479	309	35	on	on	ADP
fsr-3479	309	36	the	the	DET
fsr-3479	309	37	additional	additional	ADJ
fsr-3479	309	38	risk	risk	NOUN
fsr-3479	309	39	of	of	ADP
fsr-3479	309	40	equity	equity	NOUN
fsr-3479	309	41	investments	investment	NOUN
fsr-3479	309	42	.	.	PUNCT
fsr-3479	310	1	based	base	VERB
fsr-3479	310	2	on	on	ADP
fsr-3479	310	3	data	datum	NOUN
fsr-3479	310	4	from	from	ADP
fsr-3479	310	5	1928	1928	NUM
fsr-3479	310	6	to	to	ADP
fsr-3479	310	7	2018	2018	NUM
fsr-3479	310	8	,	,	PUNCT
fsr-3479	310	9	the	the	DET
fsr-3479	310	10	geometric	geometric	ADJ
fsr-3479	310	11	average	average	ADJ
fsr-3479	310	12	annual	annual	ADJ
fsr-3479	310	13	equity	equity	NOUN
fsr-3479	310	14	risk	risk	NOUN
fsr-3479	310	15	premium	premium	NOUN
fsr-3479	310	16	is	be	AUX
fsr-3479	310	17	6.11	6.11	NUM
fsr-3479	310	18	%	%	NOUN
fsr-3479	310	19	over	over	ADP
fsr-3479	310	20	3month	3month	NUM
fsr-3479	310	21	treasury	treasury	NOUN
fsr-3479	310	22	bills	bill	NOUN
fsr-3479	310	23	and	and	CCONJ
fsr-3479	310	24	4.66	4.66	NUM
fsr-3479	310	25	%	%	NOUN
fsr-3479	310	26	over	over	ADP
fsr-3479	310	27	the	the	DET
fsr-3479	310	28	10	10	NUM
fsr-3479	310	29	-	-	PUNCT
fsr-3479	310	30	year	year	NOUN
fsr-3479	310	31	treasury	treasury	NOUN
fsr-3479	310	32	bond	bond	NOUN
fsr-3479	310	33	(	(	PUNCT
fsr-3479	310	34	damodaran	damodaran	VERB
fsr-3479	310	35	,	,	PUNCT
fsr-3479	310	36	2019	2019	NUM
fsr-3479	310	37	)	)	PUNCT
fsr-3479	310	38	.	.	PUNCT
fsr-3479	311	1	however	however	ADV
fsr-3479	311	2	,	,	PUNCT
fsr-3479	311	3	to	to	PART
fsr-3479	311	4	achieve	achieve	VERB
fsr-3479	311	5	this	this	DET
fsr-3479	311	6	equity	equity	NOUN
fsr-3479	311	7	risk	risk	NOUN
fsr-3479	311	8	premium	premium	NOUN
fsr-3479	311	9	one	one	PRON
fsr-3479	311	10	must	must	AUX
fsr-3479	311	11	also	also	ADV
fsr-3479	311	12	assume	assume	VERB
fsr-3479	311	13	increased	increase	VERB
fsr-3479	311	14	risk	risk	NOUN
fsr-3479	311	15	.	.	PUNCT
fsr-3479	312	1	over	over	ADP
fsr-3479	312	2	the	the	DET
fsr-3479	312	3	table	table	NOUN
fsr-3479	312	4	8	8	NUM
fsr-3479	312	5	regressions	regression	NOUN
fsr-3479	312	6	#	#	SYM
fsr-3479	312	7	4	4	NUM
fsr-3479	312	8	results	result	NOUN
fsr-3479	312	9	for	for	ADP
fsr-3479	312	10	each	each	PRON
fsr-3479	312	11	of	of	ADP
fsr-3479	312	12	the	the	DET
fsr-3479	312	13	portfolio	portfolio	NOUN
fsr-3479	312	14	management	management	NOUN
fsr-3479	312	15	approaches	approach	NOUN
fsr-3479	312	16	,	,	PUNCT
fsr-3479	312	17	where	where	SCONJ
fsr-3479	312	18	one-	one-	ADP
fsr-3479	312	19	,	,	PUNCT
fsr-3479	312	20	three-	three-	ADJ
fsr-3479	312	21	,	,	PUNCT
fsr-3479	312	22	and	and	CCONJ
fsr-3479	312	23	fiveyear	fiveyear	NOUN
fsr-3479	312	24	returns	return	NOUN
fsr-3479	312	25	are	be	AUX
fsr-3479	312	26	the	the	DET
fsr-3479	312	27	dependent	dependent	ADJ
fsr-3479	312	28	variables	variable	NOUN
fsr-3479	312	29	one	one	NUM
fsr-3479	312	30	-	-	PUNCT
fsr-3479	312	31	year	year	NOUN
fsr-3479	312	32	return	return	NOUN
fsr-3479	312	33	three	three	NUM
fsr-3479	312	34	-	-	PUNCT
fsr-3479	312	35	year	year	NOUN
fsr-3479	312	36	return	return	NOUN
fsr-3479	312	37	five	five	NUM
fsr-3479	312	38	-	-	PUNCT
fsr-3479	312	39	year	year	NOUN
fsr-3479	312	40	return	return	NOUN
fsr-3479	312	41	amp	amp	NOUN
fsr-3479	312	42	intercept	intercept	NOUN
fsr-3479	312	43	0.0145	0.0145	NUM
fsr-3479	312	44	�	�	PROPN
fsr-3479	312	45	0.0150	0.0150	NUM
fsr-3479	312	46	�	�	NOUN
fsr-3479	312	47	0.0343	0.0343	NUM
fsr-3479	312	48	*	*	NOUN
fsr-3479	312	49	*	*	PROPN
fsr-3479	312	50	ria	ria	PROPN
fsr-3479	312	51	0.0006	0.0006	NUM
fsr-3479	312	52	�	�	PROPN
fsr-3479	312	53	0.0158	0.0158	NUM
fsr-3479	312	54	*	*	PROPN
fsr-3479	312	55	*	*	PROPN
fsr-3479	312	56	�	�	PROPN
fsr-3479	312	57	0.0115	0.0115	NUM
fsr-3479	312	58	*	*	PROPN
fsr-3479	312	59	*	*	PUNCT
fsr-3479	312	60	portfolio	portfolio	NOUN
fsr-3479	312	61	risk	risk	NOUN
fsr-3479	312	62	0.0009	0.0009	NUM
fsr-3479	312	63	0.0127	0.0127	NUM
fsr-3479	312	64	*	*	PUNCT
fsr-3479	312	65	*	*	PUNCT
fsr-3479	312	66	*	*	PUNCT
fsr-3479	312	67	0.0060	0.0060	NUM
fsr-3479	312	68	*	*	PUNCT
fsr-3479	312	69	*	*	PUNCT
fsr-3479	313	1	*	*	PUNCT
fsr-3479	313	2	ria*portfolio	ria*portfolio	PRON
fsr-3479	313	3	risk	risk	NOUN
fsr-3479	313	4	�	�	PROPN
fsr-3479	313	5	0.0007	0.0007	NUM
fsr-3479	313	6	0.0038	0.0038	NUM
fsr-3479	313	7	*	*	PUNCT
fsr-3479	313	8	*	*	PROPN
fsr-3479	313	9	0.0028	0.0028	NUM
fsr-3479	313	10	*	*	NUM
fsr-3479	313	11	average	average	ADJ
fsr-3479	313	12	advisor	advisor	NOUN
fsr-3479	313	13	fee	fee	NOUN
fsr-3479	313	14	�	�	NOUN
fsr-3479	313	15	2.5417	2.5417	NUM
fsr-3479	313	16	*	*	PUNCT
fsr-3479	313	17	*	*	PUNCT
fsr-3479	313	18	*	*	PUNCT
fsr-3479	313	19	�	�	PROPN
fsr-3479	313	20	1.5082	1.5082	NUM
fsr-3479	313	21	*	*	PUNCT
fsr-3479	313	22	*	*	PUNCT
fsr-3479	313	23	*	*	NOUN
fsr-3479	313	24	�	�	PROPN
fsr-3479	313	25	1.7469	1.7469	NUM
fsr-3479	313	26	*	*	NOUN
fsr-3479	313	27	*	*	PUNCT
fsr-3479	313	28	*	*	PUNCT
fsr-3479	313	29	ln	ln	INTJ
fsr-3479	313	30	(	(	PUNCT
fsr-3479	313	31	average	average	ADJ
fsr-3479	313	32	account	account	NOUN
fsr-3479	313	33	size	size	NOUN
fsr-3479	313	34	)	)	PUNCT
fsr-3479	314	1	0.0043	0.0043	NUM
fsr-3479	314	2	*	*	PUNCT
fsr-3479	314	3	*	*	PUNCT
fsr-3479	314	4	*	*	PUNCT
fsr-3479	315	1	0.0046	0.0046	NUM
fsr-3479	315	2	*	*	PUNCT
fsr-3479	315	3	*	*	PUNCT
fsr-3479	315	4	*	*	X
fsr-3479	315	5	0.0057	0.0057	NUM
fsr-3479	315	6	*	*	PUNCT
fsr-3479	315	7	*	*	PUNCT
fsr-3479	315	8	*	*	PUNCT
fsr-3479	315	9	number	number	NOUN
fsr-3479	315	10	of	of	ADP
fsr-3479	315	11	accounts	account	NOUN
fsr-3479	315	12	0.0000001	0.0000001	NUM
fsr-3479	315	13	0.0000004	0.0000004	NUM
fsr-3479	315	14	0.0000005	0.0000005	NUM
fsr-3479	315	15	r2	r2	PROPN
fsr-3479	315	16	0.041	0.041	NUM
fsr-3479	315	17	0.35	0.35	NUM
fsr-3479	315	18	0.28	0.28	NUM
fsr-3479	315	19	n	n	PRON
fsr-3479	315	20	1,585	1,585	NUM
fsr-3479	315	21	1,151	1,151	NUM
fsr-3479	315	22	858	858	NUM
fsr-3479	315	23	uma	uma	PROPN
fsr-3479	315	24	intercept	intercept	PROPN
fsr-3479	315	25	�	�	NOUN
fsr-3479	315	26	0.0381	0.0381	NUM
fsr-3479	315	27	*	*	SYM
fsr-3479	315	28	*	*	PUNCT
fsr-3479	315	29	�	�	PROPN
fsr-3479	315	30	0.0241	0.0241	NUM
fsr-3479	315	31	*	*	SYM
fsr-3479	315	32	*	*	NOUN
fsr-3479	315	33	�	�	PROPN
fsr-3479	315	34	0.0388	0.0388	NUM
fsr-3479	315	35	*	*	PUNCT
fsr-3479	315	36	*	*	PUNCT
fsr-3479	315	37	*	*	PUNCT
fsr-3479	315	38	ria	ria	PROPN
fsr-3479	315	39	�	�	PROPN
fsr-3479	315	40	0.0095	0.0095	NUM
fsr-3479	315	41	*	*	NOUN
fsr-3479	315	42	�	�	PROPN
fsr-3479	315	43	0.0072	0.0072	NUM
fsr-3479	315	44	*	*	PUNCT
fsr-3479	315	45	�	�	PROPN
fsr-3479	315	46	0.0073	0.0073	NUM
fsr-3479	315	47	*	*	NOUN
fsr-3479	315	48	portfolio	portfolio	NOUN
fsr-3479	315	49	risk	risk	NOUN
fsr-3479	315	50	�	�	PROPN
fsr-3479	315	51	0.0002	0.0002	NUM
fsr-3479	315	52	0.0132	0.0132	NUM
fsr-3479	315	53	*	*	PUNCT
fsr-3479	315	54	*	*	PUNCT
fsr-3479	315	55	*	*	PUNCT
fsr-3479	315	56	0.0059	0.0059	NUM
fsr-3479	315	57	*	*	PUNCT
fsr-3479	315	58	*	*	PUNCT
fsr-3479	315	59	*	*	PUNCT
fsr-3479	315	60	ria*portfolio	ria*portfolio	PRON
fsr-3479	315	61	risk	risk	NOUN
fsr-3479	315	62	0.0031	0.0031	NUM
fsr-3479	315	63	*	*	NOUN
fsr-3479	315	64	*	*	PUNCT
fsr-3479	315	65	0.0007	0.0007	NUM
fsr-3479	315	66	0.0014	0.0014	NUM
fsr-3479	315	67	average	average	ADJ
fsr-3479	315	68	advisor	advisor	NOUN
fsr-3479	315	69	fee	fee	NOUN
fsr-3479	315	70	�	�	PROPN
fsr-3479	315	71	0.8754	0.8754	NUM
fsr-3479	315	72	*	*	SYM
fsr-3479	315	73	�	�	PROPN
fsr-3479	315	74	0.5646	0.5646	NUM
fsr-3479	315	75	�	�	NOUN
fsr-3479	315	76	0.6910	0.6910	NUM
fsr-3479	315	77	*	*	SYM
fsr-3479	315	78	ln	ln	ADJ
fsr-3479	315	79	(	(	PUNCT
fsr-3479	315	80	average	average	ADJ
fsr-3479	315	81	account	account	NOUN
fsr-3479	315	82	size	size	NOUN
fsr-3479	315	83	)	)	PUNCT
fsr-3479	316	1	0.0063	0.0063	NUM
fsr-3479	316	2	*	*	PUNCT
fsr-3479	316	3	*	*	PUNCT
fsr-3479	316	4	*	*	PUNCT
fsr-3479	316	5	0.0038	0.0038	NUM
fsr-3479	316	6	*	*	PUNCT
fsr-3479	316	7	*	*	PUNCT
fsr-3479	316	8	*	*	PUNCT
fsr-3479	316	9	0.0054	0.0054	NUM
fsr-3479	316	10	*	*	PUNCT
fsr-3479	316	11	*	*	PUNCT
fsr-3479	316	12	*	*	NOUN
fsr-3479	316	13	number	number	NOUN
fsr-3479	316	14	of	of	ADP
fsr-3479	316	15	accounts	account	NOUN
fsr-3479	316	16	0.0000027	0.0000027	NUM
fsr-3479	316	17	*	*	PUNCT
fsr-3479	316	18	*	*	PUNCT
fsr-3479	316	19	*	*	PUNCT
fsr-3479	316	20	0.0000032	0.0000032	NUM
fsr-3479	316	21	*	*	PUNCT
fsr-3479	316	22	*	*	PUNCT
fsr-3479	316	23	*	*	PUNCT
fsr-3479	316	24	0.0000027	0.0000027	NUM
fsr-3479	316	25	*	*	PUNCT
fsr-3479	316	26	*	*	PUNCT
fsr-3479	316	27	r2	r2	PROPN
fsr-3479	316	28	0.074	0.074	NUM
fsr-3479	316	29	0.48	0.48	NUM
fsr-3479	316	30	0.34	0.34	NUM
fsr-3479	316	31	n	n	PRON
fsr-3479	316	32	1,484	1,484	NUM
fsr-3479	316	33	1,163	1,163	NUM
fsr-3479	316	34	857	857	NUM
fsr-3479	316	35	tamp	tamp	NOUN
fsr-3479	316	36	intercept	intercept	NOUN
fsr-3479	316	37	�	�	NOUN
fsr-3479	316	38	0.0566	0.0566	NUM
fsr-3479	316	39	*	*	PUNCT
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fsr-3479	316	41	*	*	PUNCT
fsr-3479	316	42	�	�	PROPN
fsr-3479	316	43	0.0478	0.0478	NUM
fsr-3479	316	44	*	*	NOUN
fsr-3479	316	45	*	*	PUNCT
fsr-3479	316	46	*	*	PUNCT
fsr-3479	316	47	�	�	PROPN
fsr-3479	316	48	0.0613	0.0613	NUM
fsr-3479	316	49	*	*	PUNCT
fsr-3479	316	50	*	*	PUNCT
fsr-3479	316	51	*	*	PUNCT
fsr-3479	316	52	ria	ria	PROPN
fsr-3479	316	53	�	�	PROPN
fsr-3479	316	54	0.0076	0.0076	NUM
fsr-3479	316	55	*	*	PROPN
fsr-3479	316	56	*	*	PROPN
fsr-3479	316	57	�	�	PROPN
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fsr-3479	316	59	*	*	PROPN
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fsr-3479	316	61	*	*	PUNCT
fsr-3479	316	62	�	�	PROPN
fsr-3479	316	63	0.0056	0.0056	NUM
fsr-3479	316	64	*	*	NOUN
fsr-3479	316	65	*	*	PROPN
fsr-3479	316	66	portfolio	portfolio	NOUN
fsr-3479	316	67	risk	risk	NOUN
fsr-3479	316	68	�	�	PROPN
fsr-3479	316	69	0.0027	0.0027	NUM
fsr-3479	316	70	*	*	PUNCT
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fsr-3479	316	73	0.0156	0.0156	PUNCT
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fsr-3479	316	77	0.0075	0.0075	NUM
fsr-3479	316	78	*	*	PUNCT
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fsr-3479	316	80	*	*	PUNCT
fsr-3479	316	81	ria*portfolio	ria*portfolio	VERB
fsr-3479	316	82	risk	risk	NOUN
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fsr-3479	316	84	*	*	PUNCT
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fsr-3479	316	86	*	*	PUNCT
fsr-3479	317	1	0.0031	0.0031	NUM
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fsr-3479	317	4	*	*	PUNCT
fsr-3479	317	5	0.0023	0.0023	NUM
fsr-3479	317	6	*	*	PUNCT
fsr-3479	317	7	*	*	PUNCT
fsr-3479	317	8	*	*	PUNCT
fsr-3479	317	9	average	average	ADJ
fsr-3479	317	10	advisor	advisor	NOUN
fsr-3479	317	11	fee	fee	NOUN
fsr-3479	317	12	�	�	NOUN
fsr-3479	317	13	0.9896	0.9896	NUM
fsr-3479	317	14	*	*	PUNCT
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fsr-3479	317	18	*	*	SYM
fsr-3479	317	19	*	*	PUNCT
fsr-3479	317	20	�	�	PROPN
fsr-3479	317	21	0.5024	0.5024	NUM
fsr-3479	317	22	*	*	SYM
fsr-3479	317	23	ln	ln	ADJ
fsr-3479	317	24	(	(	PUNCT
fsr-3479	317	25	average	average	ADJ
fsr-3479	317	26	account	account	NOUN
fsr-3479	317	27	size	size	NOUN
fsr-3479	317	28	)	)	PUNCT
fsr-3479	317	29	0.0089	0.0089	NUM
fsr-3479	317	30	*	*	PUNCT
fsr-3479	317	31	*	*	PUNCT
fsr-3479	317	32	*	*	PUNCT
fsr-3479	317	33	0.0050	0.0050	NUM
fsr-3479	317	34	*	*	PUNCT
fsr-3479	317	35	*	*	PUNCT
fsr-3479	317	36	*	*	PUNCT
fsr-3479	317	37	0.0059	0.0059	NUM
fsr-3479	317	38	*	*	PUNCT
fsr-3479	317	39	*	*	PUNCT
fsr-3479	317	40	*	*	NOUN
fsr-3479	317	41	number	number	NOUN
fsr-3479	317	42	of	of	ADP
fsr-3479	317	43	accounts	account	NOUN
fsr-3479	317	44	0.0000002	0.0000002	NUM
fsr-3479	317	45	0.0000004	0.0000004	NUM
fsr-3479	317	46	0.0000005	0.0000005	NUM
fsr-3479	317	47	r2	r2	NOUN
fsr-3479	317	48	0.109	0.109	NUM
fsr-3479	317	49	0.62	0.62	NUM
fsr-3479	317	50	0.40	0.40	NUM
fsr-3479	317	51	n	n	ADP
fsr-3479	317	52	3,789	3,789	NUM
fsr-3479	317	53	3,132	3,132	NUM
fsr-3479	317	54	2,434	2,434	NUM
fsr-3479	317	55	note	note	NOUN
fsr-3479	317	56	.	.	PUNCT
fsr-3479	318	1	all	all	DET
fsr-3479	318	2	the	the	DET
fsr-3479	318	3	control	control	NOUN
fsr-3479	318	4	variables	variable	NOUN
fsr-3479	318	5	are	be	AUX
fsr-3479	318	6	included	include	VERB
fsr-3479	318	7	as	as	ADP
fsr-3479	318	8	independent	independent	ADJ
fsr-3479	318	9	variables	variable	NOUN
fsr-3479	318	10	.	.	PUNCT
fsr-3479	319	1	*	*	PUNCT
fsr-3479	320	1	*	*	PUNCT
fsr-3479	320	2	*	*	PUNCT
fsr-3479	320	3	p	p	X
fsr-3479	320	4	<	<	X
fsr-3479	320	5	0.001	0.001	NUM
fsr-3479	320	6	,	,	PUNCT
fsr-3479	320	7	*	*	PUNCT
fsr-3479	320	8	*	*	PUNCT
fsr-3479	320	9	p	p	X
fsr-3479	320	10	<	<	X
fsr-3479	320	11	.01	.01	NUM
fsr-3479	320	12	,	,	PUNCT
fsr-3479	320	13	*	*	PUNCT
fsr-3479	320	14	p	p	X
fsr-3479	320	15	<	<	X
fsr-3479	320	16	.05	.05	NUM
fsr-3479	320	17	.	.	PUNCT
fsr-3479	321	1	160	160	NUM
fsr-3479	321	2	j.	j.	PROPN
fsr-3479	321	3	e.	e.	PROPN
fsr-3479	321	4	heller	heller	PROPN
fsr-3479	321	5	et	et	PROPN
fsr-3479	321	6	al	al	PROPN
fsr-3479	321	7	.	.	PUNCT
fsr-3479	321	8	/	/	SYM
fsr-3479	321	9	financial	financial	ADJ
fsr-3479	321	10	services	service	NOUN
fsr-3479	321	11	review	review	VERB
fsr-3479	321	12	30	30	NUM
fsr-3479	321	13	(	(	PUNCT
fsr-3479	321	14	2022	2022	NUM
fsr-3479	321	15	)	)	PUNCT
fsr-3479	321	16	145–164	145–164	NUM
fsr-3479	321	17	same	same	ADJ
fsr-3479	321	18	time	time	NOUN
fsr-3479	321	19	period	period	NOUN
fsr-3479	321	20	,	,	PUNCT
fsr-3479	321	21	from	from	ADP
fsr-3479	321	22	1928	1928	NUM
fsr-3479	321	23	to	to	ADP
fsr-3479	321	24	2018	2018	NUM
fsr-3479	321	25	,	,	PUNCT
fsr-3479	321	26	the	the	DET
fsr-3479	321	27	s&p	s&p	PROPN
fsr-3479	321	28	500	500	NUM
fsr-3479	321	29	(	(	PUNCT
fsr-3479	321	30	including	include	VERB
fsr-3479	321	31	dividends	dividend	NOUN
fsr-3479	321	32	)	)	PUNCT
fsr-3479	321	33	had	have	VERB
fsr-3479	321	34	a	a	DET
fsr-3479	321	35	standard	standard	ADJ
fsr-3479	321	36	deviation	deviation	NOUN
fsr-3479	321	37	of	of	ADP
fsr-3479	321	38	19.58	19.58	NUM
fsr-3479	321	39	%	%	NOUN
fsr-3479	321	40	,	,	PUNCT
fsr-3479	321	41	while	while	SCONJ
fsr-3479	321	42	the	the	DET
fsr-3479	321	43	3	3	NUM
fsr-3479	321	44	-	-	PUNCT
fsr-3479	321	45	month	month	NOUN
fsr-3479	321	46	treasury	treasury	NOUN
fsr-3479	321	47	bill	bill	NOUN
fsr-3479	321	48	had	have	VERB
fsr-3479	321	49	a	a	DET
fsr-3479	321	50	standard	standard	ADJ
fsr-3479	321	51	deviation	deviation	NOUN
fsr-3479	321	52	of	of	ADP
fsr-3479	321	53	only	only	ADV
fsr-3479	321	54	3.04	3.04	NUM
fsr-3479	321	55	%	%	NOUN
fsr-3479	321	56	,	,	PUNCT
fsr-3479	321	57	and	and	CCONJ
fsr-3479	321	58	the	the	DET
fsr-3479	321	59	10	10	NUM
fsr-3479	321	60	-	-	PUNCT
fsr-3479	321	61	year	year	NOUN
fsr-3479	321	62	treasury	treasury	NOUN
fsr-3479	321	63	bond	bond	NOUN
fsr-3479	321	64	had	have	VERB
fsr-3479	321	65	a	a	DET
fsr-3479	321	66	standard	standard	ADJ
fsr-3479	321	67	deviation	deviation	NOUN
fsr-3479	321	68	of	of	ADP
fsr-3479	321	69	7.70	7.70	NUM
fsr-3479	321	70	%	%	NOUN
fsr-3479	321	71	.	.	PUNCT
fsr-3479	322	1	with	with	ADP
fsr-3479	322	2	a	a	DET
fsr-3479	322	3	higher	high	ADJ
fsr-3479	322	4	variance	variance	NOUN
fsr-3479	322	5	of	of	ADP
fsr-3479	322	6	returns	return	NOUN
fsr-3479	322	7	and	and	CCONJ
fsr-3479	322	8	a	a	DET
fsr-3479	322	9	higher	high	ADJ
fsr-3479	322	10	expected	expect	VERB
fsr-3479	322	11	average	average	ADJ
fsr-3479	322	12	return	return	NOUN
fsr-3479	322	13	,	,	PUNCT
fsr-3479	322	14	equities	equity	NOUN
fsr-3479	322	15	can	can	AUX
fsr-3479	322	16	be	be	AUX
fsr-3479	322	17	considered	consider	VERB
fsr-3479	322	18	a	a	DET
fsr-3479	322	19	more	more	ADV
fsr-3479	322	20	difficult	difficult	ADJ
fsr-3479	322	21	asset	asset	NOUN
fsr-3479	322	22	class	class	NOUN
fsr-3479	322	23	to	to	PART
fsr-3479	322	24	effectively	effectively	ADV
fsr-3479	322	25	value	value	VERB
fsr-3479	322	26	than	than	ADP
fsr-3479	322	27	fixed	fix	VERB
fsr-3479	322	28	income	income	NOUN
fsr-3479	322	29	.	.	PUNCT
fsr-3479	323	1	when	when	SCONJ
fsr-3479	323	2	valuing	value	VERB
fsr-3479	323	3	a	a	DET
fsr-3479	323	4	bond	bond	NOUN
fsr-3479	323	5	,	,	PUNCT
fsr-3479	323	6	the	the	DET
fsr-3479	323	7	primary	primary	ADJ
fsr-3479	323	8	concern	concern	NOUN
fsr-3479	323	9	is	be	AUX
fsr-3479	323	10	whether	whether	SCONJ
fsr-3479	323	11	the	the	DET
fsr-3479	323	12	issuing	issue	VERB
fsr-3479	323	13	company	company	NOUN
fsr-3479	323	14	has	have	VERB
fsr-3479	323	15	enough	enough	ADJ
fsr-3479	323	16	capital	capital	NOUN
fsr-3479	323	17	to	to	PART
fsr-3479	323	18	honor	honor	VERB
fsr-3479	323	19	the	the	DET
fsr-3479	323	20	interest	interest	NOUN
fsr-3479	323	21	and	and	CCONJ
fsr-3479	323	22	principal	principal	ADJ
fsr-3479	323	23	repayments	repayment	NOUN
fsr-3479	323	24	.	.	PUNCT
fsr-3479	324	1	although	although	SCONJ
fsr-3479	324	2	corporate	corporate	ADJ
fsr-3479	324	3	profits	profit	NOUN
fsr-3479	324	4	are	be	AUX
fsr-3479	324	5	used	use	VERB
fsr-3479	324	6	to	to	PART
fsr-3479	324	7	fund	fund	VERB
fsr-3479	324	8	the	the	DET
fsr-3479	324	9	capital	capital	NOUN
fsr-3479	324	10	requirements	requirement	NOUN
fsr-3479	324	11	necessary	necessary	ADJ
fsr-3479	324	12	to	to	PART
fsr-3479	324	13	honor	honor	VERB
fsr-3479	324	14	the	the	DET
fsr-3479	324	15	covenants	covenant	NOUN
fsr-3479	324	16	of	of	ADP
fsr-3479	324	17	a	a	DET
fsr-3479	324	18	bond	bond	NOUN
fsr-3479	324	19	,	,	PUNCT
fsr-3479	324	20	the	the	DET
fsr-3479	324	21	magnitude	magnitude	NOUN
fsr-3479	324	22	of	of	ADP
fsr-3479	324	23	corporate	corporate	ADJ
fsr-3479	324	24	profits	profit	NOUN
fsr-3479	324	25	is	be	AUX
fsr-3479	324	26	not	not	PART
fsr-3479	324	27	material	material	ADJ
fsr-3479	324	28	in	in	ADP
fsr-3479	324	29	valuing	value	VERB
fsr-3479	324	30	a	a	DET
fsr-3479	324	31	bond	bond	NOUN
fsr-3479	324	32	.	.	PUNCT
fsr-3479	325	1	bonds	bond	NOUN
fsr-3479	325	2	held	hold	VERB
fsr-3479	325	3	to	to	ADP
fsr-3479	325	4	maturity	maturity	NOUN
fsr-3479	325	5	also	also	ADV
fsr-3479	325	6	receive	receive	VERB
fsr-3479	325	7	a	a	DET
fsr-3479	325	8	fixed	fix	VERB
fsr-3479	325	9	return	return	NOUN
fsr-3479	325	10	,	,	PUNCT
fsr-3479	325	11	making	make	VERB
fsr-3479	325	12	valuations	valuation	NOUN
fsr-3479	325	13	rather	rather	ADV
fsr-3479	325	14	straight	straight	ADV
fsr-3479	325	15	-	-	PUNCT
fsr-3479	325	16	forward	forward	NOUN
fsr-3479	325	17	.	.	PUNCT
fsr-3479	326	1	conversely	conversely	ADV
fsr-3479	326	2	,	,	PUNCT
fsr-3479	326	3	to	to	PART
fsr-3479	326	4	properly	properly	ADV
fsr-3479	326	5	value	value	VERB
fsr-3479	326	6	stocks	stock	NOUN
fsr-3479	326	7	,	,	PUNCT
fsr-3479	326	8	one	one	PRON
fsr-3479	326	9	must	must	AUX
fsr-3479	326	10	estimate	estimate	VERB
fsr-3479	326	11	future	future	ADJ
fsr-3479	326	12	cash	cash	NOUN
fsr-3479	326	13	flows	flow	NOUN
fsr-3479	326	14	and	and	CCONJ
fsr-3479	326	15	discount	discount	VERB
fsr-3479	326	16	those	those	DET
fsr-3479	326	17	cash	cash	NOUN
fsr-3479	326	18	flows	flow	NOUN
fsr-3479	326	19	to	to	ADP
fsr-3479	326	20	the	the	DET
fsr-3479	326	21	present	present	NOUN
fsr-3479	326	22	.	.	PUNCT
fsr-3479	327	1	if	if	SCONJ
fsr-3479	327	2	a	a	DET
fsr-3479	327	3	company	company	NOUN
fsr-3479	327	4	does	do	VERB
fsr-3479	327	5	better	well	ADV
fsr-3479	327	6	than	than	SCONJ
fsr-3479	327	7	expected	expect	VERB
fsr-3479	327	8	,	,	PUNCT
fsr-3479	327	9	equity	equity	NOUN
fsr-3479	327	10	shareholders	shareholder	NOUN
fsr-3479	327	11	could	could	AUX
fsr-3479	327	12	potentially	potentially	ADV
fsr-3479	327	13	be	be	AUX
fsr-3479	327	14	rewarded	reward	VERB
fsr-3479	327	15	with	with	ADP
fsr-3479	327	16	increased	increase	VERB
fsr-3479	327	17	dividends	dividend	NOUN
fsr-3479	327	18	or	or	CCONJ
fsr-3479	327	19	improved	improve	VERB
fsr-3479	327	20	share	share	NOUN
fsr-3479	327	21	prices	price	NOUN
fsr-3479	327	22	.	.	PUNCT
fsr-3479	328	1	bond	bond	NOUN
fsr-3479	328	2	holders	holder	NOUN
fsr-3479	328	3	,	,	PUNCT
fsr-3479	328	4	however	however	ADV
fsr-3479	328	5	,	,	PUNCT
fsr-3479	328	6	are	be	AUX
fsr-3479	328	7	not	not	PART
fsr-3479	328	8	entitled	entitle	VERB
fsr-3479	328	9	to	to	ADP
fsr-3479	328	10	any	any	DET
fsr-3479	328	11	additional	additional	ADJ
fsr-3479	328	12	compensation	compensation	NOUN
fsr-3479	328	13	beyond	beyond	ADP
fsr-3479	328	14	the	the	DET
fsr-3479	328	15	bond	bond	NOUN
fsr-3479	328	16	covenants	covenant	NOUN
fsr-3479	328	17	.	.	PUNCT
fsr-3479	329	1	because	because	SCONJ
fsr-3479	329	2	equities	equity	NOUN
fsr-3479	329	3	are	be	AUX
fsr-3479	329	4	more	more	ADV
fsr-3479	329	5	difficult	difficult	ADJ
fsr-3479	329	6	to	to	PART
fsr-3479	329	7	value	value	VERB
fsr-3479	329	8	than	than	ADP
fsr-3479	329	9	fixed	fix	VERB
fsr-3479	329	10	income	income	NOUN
fsr-3479	329	11	instruments	instrument	NOUN
fsr-3479	329	12	,	,	PUNCT
fsr-3479	329	13	they	they	PRON
fsr-3479	329	14	naturally	naturally	ADV
fsr-3479	329	15	require	require	VERB
fsr-3479	329	16	more	more	ADJ
fsr-3479	329	17	cognitive	cognitive	ADJ
fsr-3479	329	18	load	load	NOUN
fsr-3479	329	19	to	to	PART
fsr-3479	329	20	analyze	analyze	VERB
fsr-3479	329	21	and	and	CCONJ
fsr-3479	329	22	evaluate	evaluate	VERB
fsr-3479	329	23	.	.	PUNCT
fsr-3479	330	1	because	because	SCONJ
fsr-3479	330	2	advisors	advisor	NOUN
fsr-3479	330	3	at	at	ADP
fsr-3479	330	4	rias	rias	PROPN
fsr-3479	330	5	can	can	AUX
fsr-3479	330	6	devote	devote	VERB
fsr-3479	330	7	more	more	ADJ
fsr-3479	330	8	working	working	NOUN
fsr-3479	330	9	memory	memory	NOUN
fsr-3479	330	10	capacity	capacity	NOUN
fsr-3479	330	11	toward	toward	ADP
fsr-3479	330	12	the	the	DET
fsr-3479	330	13	task	task	NOUN
fsr-3479	330	14	of	of	ADP
fsr-3479	330	15	investment	investment	NOUN
fsr-3479	330	16	management	management	NOUN
fsr-3479	330	17	(	(	PUNCT
fsr-3479	330	18	due	due	ADP
fsr-3479	330	19	to	to	ADP
fsr-3479	330	20	fewer	few	ADJ
fsr-3479	330	21	extraneous	extraneous	ADJ
fsr-3479	330	22	cognitive	cognitive	ADJ
fsr-3479	330	23	load	load	NOUN
fsr-3479	330	24	detractors	detractor	NOUN
fsr-3479	330	25	such	such	ADJ
fsr-3479	330	26	as	as	ADP
fsr-3479	330	27	the	the	DET
fsr-3479	330	28	compensation	compensation	NOUN
fsr-3479	330	29	puzzle	puzzle	NOUN
fsr-3479	330	30	)	)	PUNCT
fsr-3479	330	31	,	,	PUNCT
fsr-3479	330	32	our	our	PRON
fsr-3479	330	33	study	study	NOUN
fsr-3479	330	34	provides	provide	VERB
fsr-3479	330	35	evidence	evidence	NOUN
fsr-3479	330	36	that	that	SCONJ
fsr-3479	330	37	advisors	advisor	NOUN
fsr-3479	330	38	at	at	ADP
fsr-3479	330	39	rias	ria	NOUN
fsr-3479	330	40	who	who	PRON
fsr-3479	330	41	focus	focus	VERB
fsr-3479	330	42	more	more	ADV
fsr-3479	330	43	on	on	ADP
fsr-3479	330	44	equity	equity	NOUN
fsr-3479	330	45	-	-	PUNCT
fsr-3479	330	46	heavy	heavy	ADJ
fsr-3479	330	47	portfolios	portfolio	NOUN
fsr-3479	330	48	are	be	AUX
fsr-3479	330	49	able	able	ADJ
fsr-3479	330	50	to	to	PART
fsr-3479	330	51	outperform	outperform	VERB
fsr-3479	330	52	their	their	PRON
fsr-3479	330	53	ibd	ibd	NOUN
fsr-3479	330	54	counterparts	counterpart	NOUN
fsr-3479	330	55	.	.	PUNCT
fsr-3479	331	1	implications	implication	NOUN
fsr-3479	331	2	from	from	ADP
fsr-3479	331	3	these	these	DET
fsr-3479	331	4	findings	finding	NOUN
fsr-3479	331	5	apply	apply	VERB
fsr-3479	331	6	to	to	ADP
fsr-3479	331	7	both	both	DET
fsr-3479	331	8	clients	client	NOUN
fsr-3479	331	9	and	and	CCONJ
fsr-3479	331	10	advisors	advisor	NOUN
fsr-3479	331	11	.	.	PUNCT
fsr-3479	332	1	clients	client	NOUN
fsr-3479	332	2	with	with	ADP
fsr-3479	332	3	higher	high	ADJ
fsr-3479	332	4	risk	risk	NOUN
fsr-3479	332	5	tolerance	tolerance	NOUN
fsr-3479	332	6	who	who	PRON
fsr-3479	332	7	wish	wish	VERB
fsr-3479	332	8	to	to	PART
fsr-3479	332	9	invest	invest	VERB
fsr-3479	332	10	more	more	ADJ
fsr-3479	332	11	in	in	ADP
fsr-3479	332	12	equities	equity	NOUN
fsr-3479	332	13	may	may	AUX
fsr-3479	332	14	be	be	AUX
fsr-3479	332	15	better	well	ADV
fsr-3479	332	16	served	serve	VERB
fsr-3479	332	17	by	by	ADP
fsr-3479	332	18	employing	employ	VERB
fsr-3479	332	19	advisors	advisor	NOUN
fsr-3479	332	20	at	at	ADP
fsr-3479	332	21	rias	rias	PROPN
fsr-3479	332	22	rather	rather	ADV
fsr-3479	332	23	than	than	ADP
fsr-3479	332	24	ibds	ibds	NOUN
fsr-3479	332	25	.	.	PUNCT
fsr-3479	333	1	conversely	conversely	ADV
fsr-3479	333	2	,	,	PUNCT
fsr-3479	333	3	advisors	advisor	NOUN
fsr-3479	333	4	may	may	AUX
fsr-3479	333	5	want	want	VERB
fsr-3479	333	6	to	to	PART
fsr-3479	333	7	consider	consider	VERB
fsr-3479	333	8	their	their	PRON
fsr-3479	333	9	competitive	competitive	ADJ
fsr-3479	333	10	advantage	advantage	NOUN
fsr-3479	333	11	as	as	ADP
fsr-3479	333	12	a	a	DET
fsr-3479	333	13	financial	financial	ADJ
fsr-3479	333	14	professional	professional	NOUN
fsr-3479	333	15	.	.	PUNCT
fsr-3479	334	1	advisors	advisor	NOUN
fsr-3479	334	2	at	at	ADP
fsr-3479	334	3	ibds	ibds	NOUN
fsr-3479	334	4	,	,	PUNCT
fsr-3479	334	5	for	for	ADP
fsr-3479	334	6	example	example	NOUN
fsr-3479	334	7	,	,	PUNCT
fsr-3479	334	8	may	may	AUX
fsr-3479	334	9	provide	provide	VERB
fsr-3479	334	10	more	more	ADJ
fsr-3479	334	11	benefit	benefit	NOUN
fsr-3479	334	12	to	to	ADP
fsr-3479	334	13	clients	client	NOUN
fsr-3479	334	14	with	with	ADP
fsr-3479	334	15	more	more	ADJ
fsr-3479	334	16	conservative	conservative	ADJ
fsr-3479	334	17	portfolios	portfolio	NOUN
fsr-3479	334	18	,	,	PUNCT
fsr-3479	334	19	while	while	SCONJ
fsr-3479	334	20	advisors	advisor	NOUN
fsr-3479	334	21	at	at	ADP
fsr-3479	334	22	rias	rias	PROPN
fsr-3479	334	23	may	may	AUX
fsr-3479	334	24	have	have	VERB
fsr-3479	334	25	a	a	DET
fsr-3479	334	26	competitive	competitive	ADJ
fsr-3479	334	27	advantage	advantage	NOUN
fsr-3479	334	28	on	on	ADP
fsr-3479	334	29	portfolios	portfolio	NOUN
fsr-3479	334	30	with	with	ADP
fsr-3479	334	31	more	more	ADJ
fsr-3479	334	32	equity	equity	NOUN
fsr-3479	334	33	investments	investment	NOUN
fsr-3479	334	34	.	.	PUNCT
fsr-3479	335	1	4.1	4.1	NUM
fsr-3479	335	2	.	.	PUNCT
fsr-3479	335	3	limitations	limitation	NOUN
fsr-3479	335	4	we	we	PRON
fsr-3479	335	5	note	note	VERB
fsr-3479	335	6	that	that	SCONJ
fsr-3479	335	7	our	our	PRON
fsr-3479	335	8	study	study	NOUN
fsr-3479	335	9	is	be	AUX
fsr-3479	335	10	not	not	PART
fsr-3479	335	11	without	without	ADP
fsr-3479	335	12	limitations	limitation	NOUN
fsr-3479	335	13	.	.	PUNCT
fsr-3479	336	1	for	for	ADP
fsr-3479	336	2	example	example	NOUN
fsr-3479	336	3	,	,	PUNCT
fsr-3479	336	4	risk	risk	NOUN
fsr-3479	336	5	performance	performance	NOUN
fsr-3479	336	6	measures	measure	NOUN
fsr-3479	336	7	were	be	AUX
fsr-3479	336	8	not	not	PART
fsr-3479	336	9	reported	report	VERB
fsr-3479	336	10	due	due	ADP
fsr-3479	336	11	to	to	ADP
fsr-3479	336	12	data	datum	NOUN
fsr-3479	336	13	limitations	limitation	NOUN
fsr-3479	336	14	.	.	PUNCT
fsr-3479	337	1	while	while	SCONJ
fsr-3479	337	2	returns	return	NOUN
fsr-3479	337	3	are	be	AUX
fsr-3479	337	4	key	key	ADJ
fsr-3479	337	5	determinants	determinant	NOUN
fsr-3479	337	6	of	of	ADP
fsr-3479	337	7	portfolio	portfolio	NOUN
fsr-3479	337	8	success	success	NOUN
fsr-3479	337	9	,	,	PUNCT
fsr-3479	337	10	risk	risk	NOUN
fsr-3479	337	11	-	-	PUNCT
fsr-3479	337	12	adjusted	adjust	VERB
fsr-3479	337	13	returns	return	NOUN
fsr-3479	337	14	would	would	AUX
fsr-3479	337	15	provide	provide	VERB
fsr-3479	337	16	a	a	DET
fsr-3479	337	17	more	more	ADV
fsr-3479	337	18	robust	robust	ADJ
fsr-3479	337	19	measurement	measurement	NOUN
fsr-3479	337	20	of	of	ADP
fsr-3479	337	21	investment	investment	NOUN
fsr-3479	337	22	performance	performance	NOUN
fsr-3479	337	23	.	.	PUNCT
fsr-3479	338	1	in	in	ADP
fsr-3479	338	2	addition	addition	NOUN
fsr-3479	338	3	,	,	PUNCT
fsr-3479	338	4	individual	individual	ADJ
fsr-3479	338	5	account	account	NOUN
fsr-3479	338	6	level	level	NOUN
fsr-3479	338	7	data	datum	NOUN
fsr-3479	338	8	were	be	AUX
fsr-3479	338	9	not	not	PART
fsr-3479	338	10	available	available	ADJ
fsr-3479	338	11	,	,	PUNCT
fsr-3479	338	12	so	so	ADV
fsr-3479	338	13	firm	firm	ADJ
fsr-3479	338	14	level	level	NOUN
fsr-3479	338	15	data	datum	NOUN
fsr-3479	338	16	were	be	AUX
fsr-3479	338	17	analyzed	analyze	VERB
fsr-3479	338	18	instead	instead	ADV
fsr-3479	338	19	.	.	PUNCT
fsr-3479	339	1	because	because	SCONJ
fsr-3479	339	2	firms	firm	NOUN
fsr-3479	339	3	served	serve	VERB
fsr-3479	339	4	as	as	ADP
fsr-3479	339	5	our	our	PRON
fsr-3479	339	6	unit	unit	NOUN
fsr-3479	339	7	of	of	ADP
fsr-3479	339	8	analysis	analysis	NOUN
fsr-3479	339	9	,	,	PUNCT
fsr-3479	339	10	we	we	PRON
fsr-3479	339	11	made	make	VERB
fsr-3479	339	12	no	no	DET
fsr-3479	339	13	attempt	attempt	NOUN
fsr-3479	339	14	to	to	PART
fsr-3479	339	15	measure	measure	VERB
fsr-3479	339	16	the	the	DET
fsr-3479	339	17	experience	experience	NOUN
fsr-3479	339	18	level	level	NOUN
fsr-3479	339	19	of	of	ADP
fsr-3479	339	20	the	the	DET
fsr-3479	339	21	advisors	advisor	NOUN
fsr-3479	339	22	at	at	ADP
fsr-3479	339	23	the	the	DET
fsr-3479	339	24	firms	firm	NOUN
fsr-3479	339	25	.	.	PUNCT
fsr-3479	340	1	experience	experience	NOUN
fsr-3479	340	2	could	could	AUX
fsr-3479	340	3	play	play	VERB
fsr-3479	340	4	a	a	DET
fsr-3479	340	5	role	role	NOUN
fsr-3479	340	6	in	in	ADP
fsr-3479	340	7	an	an	DET
fsr-3479	340	8	advisor	advisor	NOUN
fsr-3479	340	9	’s	’s	PART
fsr-3479	340	10	ability	ability	NOUN
fsr-3479	340	11	to	to	PART
fsr-3479	340	12	manage	manage	VERB
fsr-3479	340	13	investments	investment	NOUN
fsr-3479	340	14	that	that	PRON
fsr-3479	340	15	could	could	AUX
fsr-3479	340	16	influence	influence	VERB
fsr-3479	340	17	the	the	DET
fsr-3479	340	18	affect	affect	NOUN
fsr-3479	340	19	created	create	VERB
fsr-3479	340	20	by	by	ADP
fsr-3479	340	21	the	the	DET
fsr-3479	340	22	business	business	NOUN
fsr-3479	340	23	model	model	NOUN
fsr-3479	340	24	.	.	PUNCT
fsr-3479	341	1	we	we	PRON
fsr-3479	341	2	also	also	ADV
fsr-3479	341	3	recognize	recognize	VERB
fsr-3479	341	4	that	that	SCONJ
fsr-3479	341	5	we	we	PRON
fsr-3479	341	6	have	have	VERB
fsr-3479	341	7	limited	limit	VERB
fsr-3479	341	8	information	information	NOUN
fsr-3479	341	9	about	about	ADP
fsr-3479	341	10	the	the	DET
fsr-3479	341	11	advisors	advisor	NOUN
fsr-3479	341	12	at	at	ADP
fsr-3479	341	13	the	the	DET
fsr-3479	341	14	rias	rias	PROPN
fsr-3479	341	15	and	and	CCONJ
fsr-3479	341	16	ibds	ibds	NOUN
fsr-3479	341	17	in	in	ADP
fsr-3479	341	18	our	our	PRON
fsr-3479	341	19	study	study	NOUN
fsr-3479	341	20	and	and	CCONJ
fsr-3479	341	21	their	their	PRON
fsr-3479	341	22	clients	client	NOUN
fsr-3479	341	23	.	.	PUNCT
fsr-3479	342	1	for	for	ADP
fsr-3479	342	2	example	example	NOUN
fsr-3479	342	3	,	,	PUNCT
fsr-3479	342	4	details	detail	NOUN
fsr-3479	342	5	about	about	ADP
fsr-3479	342	6	the	the	DET
fsr-3479	342	7	attitudes	attitude	NOUN
fsr-3479	342	8	,	,	PUNCT
fsr-3479	342	9	skills	skill	NOUN
fsr-3479	342	10	,	,	PUNCT
fsr-3479	342	11	preferences	preference	NOUN
fsr-3479	342	12	,	,	PUNCT
fsr-3479	342	13	and	and	CCONJ
fsr-3479	342	14	beliefs	belief	NOUN
fsr-3479	342	15	of	of	ADP
fsr-3479	342	16	the	the	DET
fsr-3479	342	17	advisors	advisor	NOUN
fsr-3479	342	18	of	of	ADP
fsr-3479	342	19	the	the	DET
fsr-3479	342	20	firms	firm	NOUN
fsr-3479	342	21	in	in	ADP
fsr-3479	342	22	our	our	PRON
fsr-3479	342	23	study	study	NOUN
fsr-3479	342	24	would	would	AUX
fsr-3479	342	25	have	have	AUX
fsr-3479	342	26	enhanced	enhance	VERB
fsr-3479	342	27	our	our	PRON
fsr-3479	342	28	analysis	analysis	NOUN
fsr-3479	342	29	.	.	PUNCT
fsr-3479	343	1	additional	additional	ADJ
fsr-3479	343	2	information	information	NOUN
fsr-3479	343	3	about	about	ADP
fsr-3479	343	4	the	the	DET
fsr-3479	343	5	clients	client	NOUN
fsr-3479	343	6	of	of	ADP
fsr-3479	343	7	these	these	DET
fsr-3479	343	8	firms	firm	NOUN
fsr-3479	343	9	would	would	AUX
fsr-3479	343	10	also	also	ADV
fsr-3479	343	11	have	have	AUX
fsr-3479	343	12	allowed	allow	VERB
fsr-3479	343	13	for	for	ADP
fsr-3479	343	14	an	an	DET
fsr-3479	343	15	analysis	analysis	NOUN
fsr-3479	343	16	of	of	ADP
fsr-3479	343	17	potentially	potentially	ADV
fsr-3479	343	18	unobserved	unobserved	ADJ
fsr-3479	343	19	heterogeneity	heterogeneity	NOUN
fsr-3479	343	20	among	among	ADP
fsr-3479	343	21	client	client	NOUN
fsr-3479	343	22	groups	group	NOUN
fsr-3479	343	23	.	.	PUNCT
fsr-3479	344	1	we	we	PRON
fsr-3479	344	2	also	also	ADV
fsr-3479	344	3	recognize	recognize	VERB
fsr-3479	344	4	that	that	SCONJ
fsr-3479	344	5	the	the	DET
fsr-3479	344	6	performance	performance	NOUN
fsr-3479	344	7	windows	window	NOUN
fsr-3479	344	8	that	that	PRON
fsr-3479	344	9	were	be	AUX
fsr-3479	344	10	analyzed	analyze	VERB
fsr-3479	344	11	were	be	AUX
fsr-3479	344	12	rather	rather	ADV
fsr-3479	344	13	small	small	ADJ
fsr-3479	344	14	and	and	CCONJ
fsr-3479	344	15	at	at	ADP
fsr-3479	344	16	a	a	DET
fsr-3479	344	17	single	single	ADJ
fsr-3479	344	18	point	point	NOUN
fsr-3479	344	19	in	in	ADP
fsr-3479	344	20	time	time	NOUN
fsr-3479	344	21	,	,	PUNCT
fsr-3479	344	22	july	july	PROPN
fsr-3479	344	23	31	31	NUM
fsr-3479	344	24	,	,	PUNCT
fsr-3479	344	25	2019	2019	NUM
fsr-3479	344	26	.	.	PUNCT
fsr-3479	345	1	as	as	ADP
fsr-3479	345	2	such	such	ADJ
fsr-3479	345	3	,	,	PUNCT
fsr-3479	345	4	the	the	DET
fsr-3479	345	5	results	result	NOUN
fsr-3479	345	6	of	of	ADP
fsr-3479	345	7	this	this	DET
fsr-3479	345	8	study	study	NOUN
fsr-3479	345	9	are	be	AUX
fsr-3479	345	10	heavily	heavily	ADV
fsr-3479	345	11	j.	j.	PROPN
fsr-3479	345	12	e.	e.	PROPN
fsr-3479	345	13	heller	heller	PROPN
fsr-3479	345	14	et	et	PROPN
fsr-3479	345	15	al	al	PROPN
fsr-3479	345	16	.	.	PUNCT
fsr-3479	346	1	/	/	SYM
fsr-3479	346	2	financial	financial	ADJ
fsr-3479	346	3	services	service	NOUN
fsr-3479	346	4	review	review	VERB
fsr-3479	346	5	30	30	NUM
fsr-3479	346	6	(	(	PUNCT
fsr-3479	346	7	2022	2022	NUM
fsr-3479	346	8	)	)	PUNCT
fsr-3479	346	9	145–164	145–164	NUM
fsr-3479	346	10	161	161	NUM
fsr-3479	346	11	reliant	reliant	ADJ
fsr-3479	346	12	on	on	ADP
fsr-3479	346	13	the	the	DET
fsr-3479	346	14	capital	capital	NOUN
fsr-3479	346	15	market	market	NOUN
fsr-3479	346	16	performance	performance	NOUN
fsr-3479	346	17	during	during	ADP
fsr-3479	346	18	the	the	DET
fsr-3479	346	19	time	time	NOUN
fsr-3479	346	20	periods	period	NOUN
fsr-3479	346	21	preceding	precede	VERB
fsr-3479	346	22	that	that	DET
fsr-3479	346	23	date	date	NOUN
fsr-3479	346	24	.	.	PUNCT
fsr-3479	347	1	in	in	ADP
fsr-3479	347	2	addition	addition	NOUN
fsr-3479	347	3	,	,	PUNCT
fsr-3479	347	4	the	the	DET
fsr-3479	347	5	single	single	ADJ
fsr-3479	347	6	point	point	NOUN
fsr-3479	347	7	in	in	ADP
fsr-3479	347	8	time	time	NOUN
fsr-3479	347	9	data	datum	NOUN
fsr-3479	347	10	limits	limit	VERB
fsr-3479	347	11	the	the	DET
fsr-3479	347	12	ability	ability	NOUN
fsr-3479	347	13	to	to	PART
fsr-3479	347	14	analyze	analyze	VERB
fsr-3479	347	15	potential	potential	ADJ
fsr-3479	347	16	changes	change	NOUN
fsr-3479	347	17	over	over	ADP
fsr-3479	347	18	time	time	NOUN
fsr-3479	347	19	.	.	PUNCT
fsr-3479	348	1	for	for	ADP
fsr-3479	348	2	example	example	NOUN
fsr-3479	348	3	,	,	PUNCT
fsr-3479	348	4	an	an	DET
fsr-3479	348	5	account	account	NOUN
fsr-3479	348	6	with	with	ADP
fsr-3479	348	7	a	a	DET
fsr-3479	348	8	five	five	NUM
fsr-3479	348	9	-	-	PUNCT
fsr-3479	348	10	year	year	NOUN
fsr-3479	348	11	track	track	NOUN
fsr-3479	348	12	record	record	NOUN
fsr-3479	348	13	could	could	AUX
fsr-3479	348	14	have	have	AUX
fsr-3479	348	15	seen	see	VERB
fsr-3479	348	16	its	its	PRON
fsr-3479	348	17	account	account	NOUN
fsr-3479	348	18	size	size	NOUN
fsr-3479	348	19	grow	grow	VERB
fsr-3479	348	20	to	to	ADP
fsr-3479	348	21	the	the	DET
fsr-3479	348	22	point	point	NOUN
fsr-3479	348	23	where	where	SCONJ
fsr-3479	348	24	the	the	DET
fsr-3479	348	25	advisor	advisor	NOUN
fsr-3479	348	26	fee	fee	NOUN
fsr-3479	348	27	was	be	AUX
fsr-3479	348	28	decreased	decrease	VERB
fsr-3479	348	29	;	;	PUNCT
fsr-3479	348	30	however	however	ADV
fsr-3479	348	31	,	,	PUNCT
fsr-3479	348	32	the	the	DET
fsr-3479	348	33	fee	fee	NOUN
fsr-3479	348	34	and	and	CCONJ
fsr-3479	348	35	size	size	NOUN
fsr-3479	348	36	of	of	ADP
fsr-3479	348	37	the	the	DET
fsr-3479	348	38	account	account	NOUN
fsr-3479	348	39	were	be	AUX
fsr-3479	348	40	reported	report	VERB
fsr-3479	348	41	only	only	ADV
fsr-3479	348	42	as	as	ADP
fsr-3479	348	43	of	of	ADP
fsr-3479	348	44	the	the	DET
fsr-3479	348	45	ending	end	VERB
fsr-3479	348	46	date	date	NOUN
fsr-3479	348	47	,	,	PUNCT
fsr-3479	348	48	and	and	CCONJ
fsr-3479	348	49	changes	change	NOUN
fsr-3479	348	50	in	in	ADP
fsr-3479	348	51	account	account	NOUN
fsr-3479	348	52	sizes	size	NOUN
fsr-3479	348	53	and	and	CCONJ
fsr-3479	348	54	fees	fee	NOUN
fsr-3479	348	55	were	be	AUX
fsr-3479	348	56	not	not	PART
fsr-3479	348	57	observed	observe	VERB
fsr-3479	348	58	.	.	PUNCT
fsr-3479	349	1	most	most	ADV
fsr-3479	349	2	importantly	importantly	ADV
fsr-3479	349	3	,	,	PUNCT
fsr-3479	349	4	we	we	PRON
fsr-3479	349	5	recognize	recognize	VERB
fsr-3479	349	6	that	that	SCONJ
fsr-3479	349	7	our	our	PRON
fsr-3479	349	8	results	result	NOUN
fsr-3479	349	9	are	be	AUX
fsr-3479	349	10	correlational	correlational	ADJ
fsr-3479	349	11	and	and	CCONJ
fsr-3479	349	12	do	do	AUX
fsr-3479	349	13	not	not	PART
fsr-3479	349	14	indicate	indicate	VERB
fsr-3479	349	15	a	a	DET
fsr-3479	349	16	direction	direction	NOUN
fsr-3479	349	17	of	of	ADP
fsr-3479	349	18	effect	effect	NOUN
fsr-3479	349	19	.	.	PUNCT
fsr-3479	350	1	although	although	SCONJ
fsr-3479	350	2	our	our	PRON
fsr-3479	350	3	results	result	NOUN
fsr-3479	350	4	provide	provide	VERB
fsr-3479	350	5	evidence	evidence	NOUN
fsr-3479	350	6	that	that	SCONJ
fsr-3479	350	7	advisors	advisor	NOUN
fsr-3479	350	8	at	at	ADP
fsr-3479	350	9	rias	rias	PROPN
fsr-3479	350	10	may	may	AUX
fsr-3479	350	11	perform	perform	VERB
fsr-3479	350	12	differently	differently	ADV
fsr-3479	350	13	than	than	ADP
fsr-3479	350	14	advisors	advisor	NOUN
fsr-3479	350	15	at	at	ADP
fsr-3479	350	16	ibds	ibds	NOUN
fsr-3479	350	17	because	because	SCONJ
fsr-3479	350	18	they	they	PRON
fsr-3479	350	19	have	have	VERB
fsr-3479	350	20	a	a	DET
fsr-3479	350	21	different	different	ADJ
fsr-3479	350	22	compensation	compensation	NOUN
fsr-3479	350	23	motivation	motivation	NOUN
fsr-3479	350	24	,	,	PUNCT
fsr-3479	350	25	it	it	PRON
fsr-3479	350	26	is	be	AUX
fsr-3479	350	27	also	also	ADV
fsr-3479	350	28	possible	possible	ADJ
fsr-3479	350	29	that	that	SCONJ
fsr-3479	350	30	each	each	DET
fsr-3479	350	31	business	business	NOUN
fsr-3479	350	32	model	model	NOUN
fsr-3479	350	33	attracts	attract	VERB
fsr-3479	350	34	different	different	ADJ
fsr-3479	350	35	types	type	NOUN
fsr-3479	350	36	of	of	ADP
fsr-3479	350	37	advisors	advisor	NOUN
fsr-3479	350	38	.	.	PUNCT
fsr-3479	351	1	due	due	ADP
fsr-3479	351	2	to	to	ADP
fsr-3479	351	3	data	datum	NOUN
fsr-3479	351	4	limitations	limitation	NOUN
fsr-3479	351	5	,	,	PUNCT
fsr-3479	351	6	we	we	PRON
fsr-3479	351	7	are	be	AUX
fsr-3479	351	8	not	not	PART
fsr-3479	351	9	able	able	ADJ
fsr-3479	351	10	to	to	PART
fsr-3479	351	11	disentangle	disentangle	VERB
fsr-3479	351	12	these	these	DET
fsr-3479	351	13	possible	possible	ADJ
fsr-3479	351	14	explanations	explanation	NOUN
fsr-3479	351	15	.	.	PUNCT
fsr-3479	352	1	4.2	4.2	NUM
fsr-3479	352	2	.	.	PUNCT
fsr-3479	353	1	future	future	ADJ
fsr-3479	353	2	research	research	NOUN
fsr-3479	353	3	regulators	regulator	NOUN
fsr-3479	353	4	continue	continue	VERB
fsr-3479	353	5	to	to	PART
fsr-3479	353	6	evaluate	evaluate	VERB
fsr-3479	353	7	the	the	DET
fsr-3479	353	8	role	role	NOUN
fsr-3479	353	9	of	of	ADP
fsr-3479	353	10	advisor	advisor	NOUN
fsr-3479	353	11	compensation	compensation	NOUN
fsr-3479	353	12	in	in	ADP
fsr-3479	353	13	providing	provide	VERB
fsr-3479	353	14	professional	professional	ADJ
fsr-3479	353	15	financial	financial	ADJ
fsr-3479	353	16	advice	advice	NOUN
fsr-3479	353	17	,	,	PUNCT
fsr-3479	353	18	as	as	SCONJ
fsr-3479	353	19	seen	see	VERB
fsr-3479	353	20	in	in	ADP
fsr-3479	353	21	the	the	DET
fsr-3479	353	22	department	department	PROPN
fsr-3479	353	23	of	of	ADP
fsr-3479	353	24	labor	labor	NOUN
fsr-3479	353	25	’s	’s	PART
fsr-3479	353	26	fiduciary	fiduciary	ADJ
fsr-3479	353	27	rule	rule	NOUN
fsr-3479	353	28	and	and	CCONJ
fsr-3479	353	29	the	the	DET
fsr-3479	353	30	security	security	NOUN
fsr-3479	353	31	and	and	CCONJ
fsr-3479	353	32	exchange	exchange	PROPN
fsr-3479	353	33	commission	commission	PROPN
fsr-3479	353	34	’s	’s	PART
fsr-3479	353	35	regulation	regulation	NOUN
fsr-3479	353	36	best	good	ADJ
fsr-3479	353	37	interest	interest	NOUN
fsr-3479	353	38	.	.	PUNCT
fsr-3479	354	1	in	in	ADP
fsr-3479	354	2	this	this	DET
fsr-3479	354	3	discussion	discussion	NOUN
fsr-3479	354	4	,	,	PUNCT
fsr-3479	354	5	one	one	PRON
fsr-3479	354	6	must	must	AUX
fsr-3479	354	7	also	also	ADV
fsr-3479	354	8	consider	consider	VERB
fsr-3479	354	9	the	the	DET
fsr-3479	354	10	role	role	NOUN
fsr-3479	354	11	that	that	PRON
fsr-3479	354	12	business	business	NOUN
fsr-3479	354	13	models	model	NOUN
fsr-3479	354	14	play	play	VERB
fsr-3479	354	15	on	on	ADP
fsr-3479	354	16	portfolio	portfolio	NOUN
fsr-3479	354	17	performance	performance	NOUN
fsr-3479	354	18	.	.	PUNCT
fsr-3479	355	1	future	future	ADJ
fsr-3479	355	2	research	research	NOUN
fsr-3479	355	3	in	in	ADP
fsr-3479	355	4	this	this	DET
fsr-3479	355	5	area	area	NOUN
fsr-3479	355	6	that	that	PRON
fsr-3479	355	7	can	can	AUX
fsr-3479	355	8	include	include	VERB
fsr-3479	355	9	demographic	demographic	ADJ
fsr-3479	355	10	information	information	NOUN
fsr-3479	355	11	about	about	ADP
fsr-3479	355	12	advisors	advisor	NOUN
fsr-3479	355	13	(	(	PUNCT
fsr-3479	355	14	e.g.	e.g.	ADV
fsr-3479	355	15	,	,	PUNCT
fsr-3479	355	16	education	education	NOUN
fsr-3479	355	17	,	,	PUNCT
fsr-3479	355	18	age	age	NOUN
fsr-3479	355	19	,	,	PUNCT
fsr-3479	355	20	gender	gender	NOUN
fsr-3479	355	21	,	,	PUNCT
fsr-3479	355	22	years	year	NOUN
fsr-3479	355	23	in	in	ADP
fsr-3479	355	24	the	the	DET
fsr-3479	355	25	profession	profession	NOUN
fsr-3479	355	26	,	,	PUNCT
fsr-3479	355	27	advanced	advanced	ADJ
fsr-3479	355	28	designations	designation	NOUN
fsr-3479	355	29	,	,	PUNCT
fsr-3479	355	30	and	and	CCONJ
fsr-3479	355	31	disciplinary	disciplinary	ADJ
fsr-3479	355	32	actions	action	NOUN
fsr-3479	355	33	)	)	PUNCT
fsr-3479	355	34	would	would	AUX
fsr-3479	355	35	provide	provide	VERB
fsr-3479	355	36	a	a	DET
fsr-3479	355	37	better	well	ADJ
fsr-3479	355	38	understanding	understanding	NOUN
fsr-3479	355	39	of	of	ADP
fsr-3479	355	40	the	the	DET
fsr-3479	355	41	effects	effect	NOUN
fsr-3479	355	42	business	business	NOUN
fsr-3479	355	43	models	model	NOUN
fsr-3479	355	44	have	have	VERB
fsr-3479	355	45	on	on	ADP
fsr-3479	355	46	advisor	advisor	NOUN
fsr-3479	355	47	managed	manage	VERB
fsr-3479	355	48	portfolio	portfolio	NOUN
fsr-3479	355	49	performance	performance	NOUN
fsr-3479	355	50	.	.	PUNCT
fsr-3479	356	1	in	in	ADP
fsr-3479	356	2	addition	addition	NOUN
fsr-3479	356	3	,	,	PUNCT
fsr-3479	356	4	analyzing	analyze	VERB
fsr-3479	356	5	performance	performance	NOUN
fsr-3479	356	6	over	over	ADP
fsr-3479	356	7	longer	long	ADJ
fsr-3479	356	8	time	time	NOUN
fsr-3479	356	9	periods	period	NOUN
fsr-3479	356	10	,	,	PUNCT
fsr-3479	356	11	such	such	ADJ
fsr-3479	356	12	as	as	ADP
fsr-3479	356	13	seven	seven	NUM
fsr-3479	356	14	or	or	CCONJ
fsr-3479	356	15	even	even	ADV
fsr-3479	356	16	ten	ten	NUM
fsr-3479	356	17	years	year	NOUN
fsr-3479	356	18	,	,	PUNCT
fsr-3479	356	19	would	would	AUX
fsr-3479	356	20	provide	provide	VERB
fsr-3479	356	21	greater	great	ADJ
fsr-3479	356	22	insight	insight	NOUN
fsr-3479	356	23	into	into	ADP
fsr-3479	356	24	the	the	DET
fsr-3479	356	25	long	long	ADJ
fsr-3479	356	26	-	-	PUNCT
fsr-3479	356	27	term	term	NOUN
fsr-3479	356	28	effects	effect	NOUN
fsr-3479	356	29	of	of	ADP
fsr-3479	356	30	business	business	NOUN
fsr-3479	356	31	models	model	NOUN
fsr-3479	356	32	on	on	ADP
fsr-3479	356	33	investor	investor	NOUN
fsr-3479	356	34	returns	return	NOUN
fsr-3479	356	35	.	.	PUNCT
fsr-3479	357	1	4.3	4.3	NUM
fsr-3479	357	2	.	.	X
fsr-3479	357	3	conclusion	conclusion	NOUN
fsr-3479	357	4	ample	ample	ADJ
fsr-3479	357	5	evidence	evidence	NOUN
fsr-3479	357	6	both	both	PRON
fsr-3479	357	7	condemns	condemn	VERB
fsr-3479	357	8	professional	professional	ADJ
fsr-3479	357	9	financial	financial	ADJ
fsr-3479	357	10	advice	advice	NOUN
fsr-3479	357	11	(	(	PUNCT
fsr-3479	357	12	e.g.	e.g.	ADV
fsr-3479	357	13	,	,	PUNCT
fsr-3479	357	14	see	see	VERB
fsr-3479	357	15	bergstresser	bergstresser	NOUN
fsr-3479	357	16	et	et	PROPN
fsr-3479	357	17	al	al	PROPN
fsr-3479	357	18	.	.	PROPN
fsr-3479	357	19	,	,	PUNCT
fsr-3479	357	20	2009	2009	NUM
fsr-3479	357	21	;	;	PUNCT
fsr-3479	357	22	del	del	PROPN
fsr-3479	357	23	guercio	guercio	PROPN
fsr-3479	357	24	et	et	PROPN
fsr-3479	357	25	al	al	PROPN
fsr-3479	357	26	.	.	PROPN
fsr-3479	357	27	,	,	PUNCT
fsr-3479	357	28	2010	2010	NUM
fsr-3479	357	29	;	;	PUNCT
fsr-3479	357	30	desai	desai	PROPN
fsr-3479	357	31	&	&	CCONJ
fsr-3479	357	32	jain	jain	PROPN
fsr-3479	357	33	,	,	PUNCT
fsr-3479	357	34	1995	1995	NUM
fsr-3479	357	35	;	;	PUNCT
fsr-3479	357	36	french	french	PROPN
fsr-3479	357	37	,	,	PUNCT
fsr-3479	357	38	2008	2008	NUM
fsr-3479	357	39	;	;	PUNCT
fsr-3479	357	40	gil	gil	PROPN
fsr-3479	357	41	-	-	PUNCT
fsr-3479	357	42	bazo	bazo	NOUN
fsr-3479	357	43	&	&	CCONJ
fsr-3479	357	44	ruiz	ruiz	NOUN
fsr-3479	357	45	-	-	PUNCT
fsr-3479	357	46	verdú	verdú	ADJ
fsr-3479	357	47	,	,	PUNCT
fsr-3479	357	48	2009	2009	NUM
fsr-3479	357	49	;	;	PUNCT
fsr-3479	357	50	gruber	gruber	PROPN
fsr-3479	357	51	,	,	PUNCT
fsr-3479	357	52	1996	1996	NUM
fsr-3479	357	53	;	;	PUNCT
fsr-3479	357	54	jensen	jensen	PROPN
fsr-3479	357	55	,	,	PUNCT
fsr-3479	357	56	1968	1968	NUM
fsr-3479	357	57	;	;	PUNCT
fsr-3479	357	58	malkiel	malkiel	PROPN
fsr-3479	357	59	,	,	PUNCT
fsr-3479	357	60	1995	1995	NUM
fsr-3479	357	61	;	;	PUNCT
fsr-3479	357	62	reuter	reuter	PROPN
fsr-3479	357	63	,	,	PUNCT
fsr-3479	357	64	2015	2015	NUM
fsr-3479	357	65	)	)	PUNCT
fsr-3479	357	66	,	,	PUNCT
fsr-3479	357	67	and	and	CCONJ
fsr-3479	357	68	praising	praise	VERB
fsr-3479	357	69	it	it	PRON
fsr-3479	357	70	(	(	PUNCT
fsr-3479	357	71	hackethal	hackethal	VERB
fsr-3479	357	72	et	et	PROPN
fsr-3479	357	73	al	al	PROPN
fsr-3479	357	74	.	.	PROPN
fsr-3479	357	75	,	,	PUNCT
fsr-3479	357	76	2012	2012	NUM
fsr-3479	357	77	;	;	PUNCT
fsr-3479	357	78	gennaioli	gennaioli	X
fsr-3479	357	79	et	et	PROPN
fsr-3479	357	80	al	al	PROPN
fsr-3479	357	81	.	.	PROPN
fsr-3479	357	82	,	,	PUNCT
fsr-3479	357	83	2015	2015	NUM
fsr-3479	357	84	;	;	PUNCT
fsr-3479	357	85	kinniry	kinniry	NOUN
fsr-3479	357	86	et	et	PROPN
fsr-3479	357	87	al	al	PROPN
fsr-3479	357	88	.	.	PROPN
fsr-3479	357	89	,	,	PUNCT
fsr-3479	357	90	2016	2016	NUM
fsr-3479	357	91	;	;	PUNCT
fsr-3479	357	92	warshcuer	warshcuer	NOUN
fsr-3479	357	93	&	&	CCONJ
fsr-3479	357	94	sciglimpaglia	sciglimpaglia	PROPN
fsr-3479	357	95	,	,	PUNCT
fsr-3479	357	96	2012	2012	NUM
fsr-3479	357	97	)	)	PUNCT
fsr-3479	357	98	.	.	PUNCT
fsr-3479	358	1	however	however	ADV
fsr-3479	358	2	,	,	PUNCT
fsr-3479	358	3	the	the	DET
fsr-3479	358	4	literature	literature	NOUN
fsr-3479	358	5	is	be	AUX
fsr-3479	358	6	scant	scant	ADJ
fsr-3479	358	7	regarding	regard	VERB
fsr-3479	358	8	advantages	advantage	NOUN
fsr-3479	358	9	or	or	CCONJ
fsr-3479	358	10	disadvantages	disadvantage	NOUN
fsr-3479	358	11	provided	provide	VERB
fsr-3479	358	12	to	to	ADP
fsr-3479	358	13	clients	client	NOUN
fsr-3479	358	14	through	through	ADP
fsr-3479	358	15	the	the	DET
fsr-3479	358	16	different	different	ADJ
fsr-3479	358	17	business	business	NOUN
fsr-3479	358	18	models	model	NOUN
fsr-3479	358	19	available	available	ADJ
fsr-3479	358	20	to	to	ADP
fsr-3479	358	21	advisors	advisor	NOUN
fsr-3479	358	22	.	.	PUNCT
fsr-3479	359	1	this	this	DET
fsr-3479	359	2	study	study	NOUN
fsr-3479	359	3	sought	seek	VERB
fsr-3479	359	4	to	to	PART
fsr-3479	359	5	determine	determine	VERB
fsr-3479	359	6	whether	whether	SCONJ
fsr-3479	359	7	business	business	NOUN
fsr-3479	359	8	models	model	NOUN
fsr-3479	359	9	had	have	VERB
fsr-3479	359	10	an	an	DET
fsr-3479	359	11	association	association	NOUN
fsr-3479	359	12	with	with	ADP
fsr-3479	359	13	investment	investment	NOUN
fsr-3479	359	14	portfolio	portfolio	NOUN
fsr-3479	359	15	performance	performance	NOUN
fsr-3479	359	16	.	.	PUNCT
fsr-3479	360	1	the	the	DET
fsr-3479	360	2	theoretical	theoretical	ADJ
fsr-3479	360	3	framework	framework	NOUN
fsr-3479	360	4	suggests	suggest	VERB
fsr-3479	360	5	that	that	SCONJ
fsr-3479	360	6	advisors	advisor	NOUN
fsr-3479	360	7	at	at	ADP
fsr-3479	360	8	rias	rias	PROPN
fsr-3479	360	9	can	can	AUX
fsr-3479	360	10	eliminate	eliminate	VERB
fsr-3479	360	11	the	the	DET
fsr-3479	360	12	extraneous	extraneous	ADJ
fsr-3479	360	13	cognitive	cognitive	ADJ
fsr-3479	360	14	load	load	NOUN
fsr-3479	360	15	created	create	VERB
fsr-3479	360	16	by	by	ADP
fsr-3479	360	17	the	the	DET
fsr-3479	360	18	compensation	compensation	NOUN
fsr-3479	360	19	puzzle	puzzle	NOUN
fsr-3479	360	20	and	and	CCONJ
fsr-3479	360	21	would	would	AUX
fsr-3479	360	22	be	be	AUX
fsr-3479	360	23	able	able	ADJ
fsr-3479	360	24	to	to	PART
fsr-3479	360	25	potentially	potentially	ADV
fsr-3479	360	26	redirect	redirect	VERB
fsr-3479	360	27	freed	free	VERB
fsr-3479	360	28	working	work	VERB
fsr-3479	360	29	memory	memory	NOUN
fsr-3479	360	30	capacity	capacity	NOUN
fsr-3479	360	31	toward	toward	ADP
fsr-3479	360	32	the	the	DET
fsr-3479	360	33	difficult	difficult	ADJ
fsr-3479	360	34	task	task	NOUN
fsr-3479	360	35	of	of	ADP
fsr-3479	360	36	investment	investment	NOUN
fsr-3479	360	37	management	management	NOUN
fsr-3479	360	38	.	.	PUNCT
fsr-3479	361	1	by	by	ADP
fsr-3479	361	2	virtue	virtue	NOUN
fsr-3479	361	3	of	of	ADP
fsr-3479	361	4	having	have	VERB
fsr-3479	361	5	more	more	ADJ
fsr-3479	361	6	working	work	VERB
fsr-3479	361	7	memory	memory	NOUN
fsr-3479	361	8	capacity	capacity	NOUN
fsr-3479	361	9	to	to	PART
fsr-3479	361	10	apply	apply	VERB
fsr-3479	361	11	to	to	ADP
fsr-3479	361	12	the	the	DET
fsr-3479	361	13	intrinsic	intrinsic	ADJ
fsr-3479	361	14	cognitive	cognitive	ADJ
fsr-3479	361	15	load	load	NOUN
fsr-3479	361	16	of	of	ADP
fsr-3479	361	17	investment	investment	NOUN
fsr-3479	361	18	management	management	NOUN
fsr-3479	361	19	,	,	PUNCT
fsr-3479	361	20	we	we	PRON
fsr-3479	361	21	hypothesize	hypothesize	VERB
fsr-3479	361	22	that	that	SCONJ
fsr-3479	361	23	rias	rias	PROPN
fsr-3479	361	24	could	could	AUX
fsr-3479	361	25	outperform	outperform	VERB
fsr-3479	361	26	ibds	ibds	NOUN
fsr-3479	361	27	regardless	regardless	ADV
fsr-3479	361	28	of	of	ADP
fsr-3479	361	29	the	the	DET
fsr-3479	361	30	chosen	choose	VERB
fsr-3479	361	31	portfolio	portfolio	NOUN
fsr-3479	361	32	management	management	NOUN
fsr-3479	361	33	approach	approach	NOUN
fsr-3479	361	34	(	(	PUNCT
fsr-3479	361	35	amp	amp	PROPN
fsr-3479	361	36	,	,	PUNCT
fsr-3479	361	37	uma	uma	PROPN
fsr-3479	361	38	,	,	PUNCT
fsr-3479	361	39	or	or	CCONJ
fsr-3479	361	40	tamp	tamp	NOUN
fsr-3479	361	41	)	)	PUNCT
fsr-3479	361	42	and	and	CCONJ
fsr-3479	361	43	regardless	regardless	ADV
fsr-3479	361	44	of	of	ADP
fsr-3479	361	45	risk	risk	NOUN
fsr-3479	361	46	category	category	NOUN
fsr-3479	361	47	.	.	PUNCT
fsr-3479	362	1	our	our	PRON
fsr-3479	362	2	findings	finding	NOUN
fsr-3479	362	3	,	,	PUNCT
fsr-3479	362	4	however	however	ADV
fsr-3479	362	5	,	,	PUNCT
fsr-3479	362	6	provide	provide	VERB
fsr-3479	362	7	qualified	qualified	ADJ
fsr-3479	362	8	support	support	NOUN
fsr-3479	362	9	of	of	ADP
fsr-3479	362	10	rias	rias	PROPN
fsr-3479	362	11	outperforming	outperform	VERB
fsr-3479	362	12	ibds	ibds	NOUN
fsr-3479	362	13	through	through	ADP
fsr-3479	362	14	uma	uma	PROPN
fsr-3479	362	15	and	and	CCONJ
fsr-3479	362	16	tamp	tamp	ADJ
fsr-3479	362	17	portfolios	portfolio	NOUN
fsr-3479	362	18	at	at	ADP
fsr-3479	362	19	higher	high	ADJ
fsr-3479	362	20	risk	risk	NOUN
fsr-3479	362	21	categories	category	NOUN
fsr-3479	362	22	but	but	CCONJ
fsr-3479	362	23	not	not	PART
fsr-3479	362	24	at	at	ADP
fsr-3479	362	25	lower	low	ADJ
fsr-3479	362	26	risk	risk	NOUN
fsr-3479	362	27	categories	category	NOUN
fsr-3479	362	28	.	.	PUNCT
fsr-3479	363	1	while	while	SCONJ
fsr-3479	363	2	evidence	evidence	NOUN
fsr-3479	363	3	is	be	AUX
fsr-3479	363	4	mixed	mixed	ADJ
fsr-3479	363	5	regarding	regard	VERB
fsr-3479	363	6	the	the	DET
fsr-3479	363	7	efficacy	efficacy	NOUN
fsr-3479	363	8	of	of	ADP
fsr-3479	363	9	professional	professional	ADJ
fsr-3479	363	10	financial	financial	ADJ
fsr-3479	363	11	advice	advice	NOUN
fsr-3479	363	12	,	,	PUNCT
fsr-3479	363	13	this	this	DET
fsr-3479	363	14	study	study	NOUN
fsr-3479	363	15	provides	provide	VERB
fsr-3479	363	16	qualified	qualified	ADJ
fsr-3479	363	17	support	support	NOUN
fsr-3479	363	18	for	for	ADP
fsr-3479	363	19	the	the	DET
fsr-3479	363	20	hypothesis	hypothesis	NOUN
fsr-3479	363	21	that	that	PRON
fsr-3479	363	22	business	business	NOUN
fsr-3479	363	23	models	model	NOUN
fsr-3479	363	24	have	have	VERB
fsr-3479	363	25	an	an	DET
fsr-3479	363	26	association	association	NOUN
fsr-3479	363	27	with	with	ADP
fsr-3479	363	28	162	162	NUM
fsr-3479	363	29	j.	j.	PROPN
fsr-3479	363	30	e.	e.	PROPN
fsr-3479	363	31	heller	heller	PROPN
fsr-3479	363	32	et	et	PROPN
fsr-3479	363	33	al	al	PROPN
fsr-3479	363	34	.	.	PUNCT
fsr-3479	363	35	/	/	SYM
fsr-3479	363	36	financial	financial	ADJ
fsr-3479	363	37	services	service	NOUN
fsr-3479	363	38	review	review	VERB
fsr-3479	363	39	30	30	NUM
fsr-3479	363	40	(	(	PUNCT
fsr-3479	363	41	2022	2022	NUM
fsr-3479	363	42	)	)	PUNCT
fsr-3479	363	43	145–164	145–164	NUM
fsr-3479	363	44	investment	investment	NOUN
fsr-3479	363	45	performance	performance	NOUN
fsr-3479	363	46	.	.	PUNCT
fsr-3479	364	1	qualified	qualified	ADJ
fsr-3479	364	2	support	support	NOUN
fsr-3479	364	3	exists	exist	VERB
fsr-3479	364	4	in	in	ADP
fsr-3479	364	5	favor	favor	NOUN
fsr-3479	364	6	of	of	ADP
fsr-3479	364	7	rias	rias	PROPN
fsr-3479	364	8	producing	produce	VERB
fsr-3479	364	9	higher	high	ADJ
fsr-3479	364	10	net	net	ADJ
fsr-3479	364	11	investment	investment	NOUN
fsr-3479	364	12	results	result	VERB
fsr-3479	364	13	through	through	ADP
fsr-3479	364	14	amp	amp	PROPN
fsr-3479	364	15	,	,	PUNCT
fsr-3479	364	16	uma	uma	PROPN
fsr-3479	364	17	,	,	PUNCT
fsr-3479	364	18	and	and	CCONJ
fsr-3479	364	19	tamp	tamp	ADJ
fsr-3479	364	20	portfolios	portfolio	NOUN
fsr-3479	364	21	in	in	ADP
fsr-3479	364	22	higher	high	ADJ
fsr-3479	364	23	risk	risk	NOUN
fsr-3479	364	24	categories	category	NOUN
fsr-3479	364	25	when	when	SCONJ
fsr-3479	364	26	compared	compare	VERB
fsr-3479	364	27	with	with	ADP
fsr-3479	364	28	ibds	ibds	NOUN
fsr-3479	364	29	.	.	PUNCT
fsr-3479	365	1	references	reference	NOUN
fsr-3479	365	2	bergstresser	bergstresser	NOUN
fsr-3479	365	3	,	,	PUNCT
fsr-3479	365	4	d.	d.	PROPN
fsr-3479	365	5	,	,	PUNCT
fsr-3479	365	6	chalmers	chalmers	PROPN
fsr-3479	365	7	,	,	PUNCT
fsr-3479	365	8	j.	j.	PROPN
fsr-3479	365	9	m.	m.	PROPN
fsr-3479	365	10	r.	r.	PROPN
fsr-3479	365	11	,	,	PUNCT
fsr-3479	365	12	&	&	CCONJ
fsr-3479	365	13	tufano	tufano	ADJ
fsr-3479	365	14	,	,	PUNCT
fsr-3479	365	15	p.	p.	NOUN
fsr-3479	365	16	(	(	PUNCT
fsr-3479	365	17	2009	2009	NUM
fsr-3479	365	18	)	)	PUNCT
fsr-3479	365	19	.	.	PUNCT
fsr-3479	366	1	assessing	assess	VERB
fsr-3479	366	2	the	the	DET
fsr-3479	366	3	costs	cost	NOUN
fsr-3479	366	4	and	and	CCONJ
fsr-3479	366	5	benefits	benefit	NOUN
fsr-3479	366	6	of	of	ADP
fsr-3479	366	7	brokers	broker	NOUN
fsr-3479	366	8	:	:	PUNCT
fsr-3479	366	9	a	a	DET
fsr-3479	366	10	preliminary	preliminary	ADJ
fsr-3479	366	11	analysis	analysis	NOUN
fsr-3479	366	12	of	of	ADP
fsr-3479	366	13	the	the	DET
fsr-3479	366	14	mutual	mutual	ADJ
fsr-3479	366	15	fund	fund	NOUN
fsr-3479	366	16	industry	industry	NOUN
fsr-3479	366	17	.	.	PUNCT
fsr-3479	367	1	review	review	NOUN
fsr-3479	367	2	of	of	ADP
fsr-3479	367	3	financial	financial	ADJ
fsr-3479	367	4	studies	study	NOUN
fsr-3479	367	5	,	,	PUNCT
fsr-3479	367	6	22	22	NUM
fsr-3479	367	7	,	,	PUNCT
fsr-3479	367	8	4129–4156	4129–4156	NUM
fsr-3479	367	9	.	.	PUNCT
fsr-3479	368	1	https://doi.org/	https://doi.org/	VERB
fsr-3479	368	2	10.1093	10.1093	NUM
fsr-3479	368	3	/	/	SYM
fsr-3479	368	4	rfs	rfs	PROPN
fsr-3479	368	5	/	/	SYM
fsr-3479	368	6	hhp022	hhp022	PROPN
fsr-3479	368	7	botti	botti	PROPN
fsr-3479	368	8	,	,	PUNCT
fsr-3479	368	9	s.	s.	PROPN
fsr-3479	368	10	,	,	PUNCT
fsr-3479	368	11	&	&	CCONJ
fsr-3479	368	12	iyengar	iyengar	PROPN
fsr-3479	368	13	,	,	PUNCT
fsr-3479	368	14	s.	s.	PROPN
fsr-3479	368	15	s.	s.	PROPN
fsr-3479	368	16	(	(	PUNCT
fsr-3479	368	17	2006	2006	NUM
fsr-3479	368	18	)	)	PUNCT
fsr-3479	368	19	.	.	PUNCT
fsr-3479	369	1	the	the	DET
fsr-3479	369	2	dark	dark	ADJ
fsr-3479	369	3	side	side	NOUN
fsr-3479	369	4	of	of	ADP
fsr-3479	369	5	choice	choice	NOUN
fsr-3479	369	6	:	:	PUNCT
fsr-3479	369	7	when	when	SCONJ
fsr-3479	369	8	choice	choice	NOUN
fsr-3479	369	9	impairs	impair	VERB
fsr-3479	369	10	social	social	ADJ
fsr-3479	369	11	welfare	welfare	NOUN
fsr-3479	369	12	.	.	PUNCT
fsr-3479	370	1	journal	journal	NOUN
fsr-3479	370	2	of	of	ADP
fsr-3479	370	3	public	public	ADJ
fsr-3479	370	4	policy	policy	NOUN
fsr-3479	370	5	&	&	CCONJ
fsr-3479	370	6	marketing	marketing	NOUN
fsr-3479	370	7	,	,	PUNCT
fsr-3479	370	8	25	25	NUM
fsr-3479	370	9	,	,	PUNCT
fsr-3479	370	10	24–38	24–38	NUM
fsr-3479	370	11	.	.	PUNCT
fsr-3479	371	1	https://doi.org/10.1509/jppm.25.1.24	https://doi.org/10.1509/jppm.25.1.24	PROPN
fsr-3479	371	2	campbell	campbell	PROPN
fsr-3479	371	3	,	,	PUNCT
fsr-3479	371	4	d.	d.	PROPN
fsr-3479	371	5	j.	j.	PROPN
fsr-3479	371	6	(	(	PUNCT
fsr-3479	371	7	1988	1988	NUM
fsr-3479	371	8	)	)	PUNCT
fsr-3479	371	9	.	.	PUNCT
fsr-3479	372	1	task	task	NOUN
fsr-3479	372	2	complexity	complexity	NOUN
fsr-3479	372	3	:	:	PUNCT
fsr-3479	372	4	a	a	DET
fsr-3479	372	5	review	review	NOUN
fsr-3479	372	6	and	and	CCONJ
fsr-3479	372	7	analysis	analysis	NOUN
fsr-3479	372	8	.	.	PUNCT
fsr-3479	373	1	the	the	DET
fsr-3479	373	2	academy	academy	PROPN
fsr-3479	373	3	of	of	ADP
fsr-3479	373	4	management	management	PROPN
fsr-3479	373	5	review	review	NOUN
fsr-3479	373	6	,	,	PUNCT
fsr-3479	373	7	13	13	NUM
fsr-3479	373	8	,	,	PUNCT
fsr-3479	373	9	40–52	40–52	NUM
fsr-3479	373	10	.	.	PUNCT
fsr-3479	374	1	https://doi.org/10.2307/258353	https://doi.org/10.2307/258353	X
fsr-3479	374	2	chalmers	chalmer	NOUN
fsr-3479	374	3	,	,	PUNCT
fsr-3479	374	4	j.	j.	PROPN
fsr-3479	374	5	,	,	PUNCT
fsr-3479	374	6	&	&	CCONJ
fsr-3479	374	7	reuter	reuter	PROPN
fsr-3479	374	8	,	,	PUNCT
fsr-3479	374	9	j.	j.	PROPN
fsr-3479	374	10	(	(	PUNCT
fsr-3479	374	11	2012	2012	NUM
fsr-3479	374	12	)	)	PUNCT
fsr-3479	374	13	.	.	PUNCT
fsr-3479	375	1	is	be	AUX
fsr-3479	375	2	conflicted	conflict	VERB
fsr-3479	375	3	investment	investment	NOUN
fsr-3479	375	4	advice	advice	NOUN
fsr-3479	375	5	better	well	ADJ
fsr-3479	375	6	than	than	ADP
fsr-3479	375	7	no	no	DET
fsr-3479	375	8	advice	advice	NOUN
fsr-3479	375	9	?	?	PUNCT
fsr-3479	376	1	nber	nber	PROPN
fsr-3479	376	2	working	working	PROPN
fsr-3479	376	3	paper	paper	PROPN
fsr-3479	376	4	no	no	INTJ
fsr-3479	376	5	.	.	PUNCT
fsr-3479	377	1	w18158	w18158	PROPN
fsr-3479	377	2	.	.	PUNCT
fsr-3479	377	3	available	available	ADJ
fsr-3479	377	4	at	at	ADP
fsr-3479	377	5	https://ssrn.com/abstract=2085144	https://ssrn.com/abstract=2085144	PROPN
fsr-3479	377	6	chandler	chandler	NOUN
fsr-3479	377	7	,	,	PUNCT
fsr-3479	377	8	p.	p.	PROPN
fsr-3479	377	9	,	,	PUNCT
fsr-3479	377	10	&	&	CCONJ
fsr-3479	377	11	sweller	sweller	PROPN
fsr-3479	377	12	,	,	PUNCT
fsr-3479	377	13	j.	j.	PROPN
fsr-3479	377	14	(	(	PUNCT
fsr-3479	377	15	1991	1991	NUM
fsr-3479	377	16	)	)	PUNCT
fsr-3479	377	17	.	.	PUNCT
fsr-3479	378	1	cognitive	cognitive	ADJ
fsr-3479	378	2	load	load	NOUN
fsr-3479	378	3	theory	theory	NOUN
fsr-3479	378	4	and	and	CCONJ
fsr-3479	378	5	the	the	DET
fsr-3479	378	6	format	format	NOUN
fsr-3479	378	7	of	of	ADP
fsr-3479	378	8	instruction	instruction	NOUN
fsr-3479	378	9	.	.	PUNCT
fsr-3479	379	1	cognition	cognition	NOUN
fsr-3479	379	2	and	and	CCONJ
fsr-3479	379	3	instruction	instruction	NOUN
fsr-3479	379	4	,	,	PUNCT
fsr-3479	379	5	8	8	NUM
fsr-3479	379	6	,	,	PUNCT
fsr-3479	379	7	293–332	293–332	NUM
fsr-3479	379	8	.	.	PUNCT
fsr-3479	380	1	https://doi.org/10.1207/s1532690xci0804_2	https://doi.org/10.1207/s1532690xci0804_2	NOUN
fsr-3479	380	2	czerwinski	czerwinski	ADJ
fsr-3479	380	3	,	,	PUNCT
fsr-3479	380	4	m.	m.	NOUN
fsr-3479	380	5	,	,	PUNCT
fsr-3479	380	6	horvitz	horvitz	PROPN
fsr-3479	380	7	,	,	PUNCT
fsr-3479	380	8	e.	e.	PROPN
fsr-3479	380	9	,	,	PUNCT
fsr-3479	380	10	&	&	CCONJ
fsr-3479	380	11	wilhite	wilhite	PROPN
fsr-3479	380	12	,	,	PUNCT
fsr-3479	380	13	s.	s.	PROPN
fsr-3479	380	14	(	(	PUNCT
fsr-3479	380	15	2004	2004	NUM
fsr-3479	380	16	)	)	PUNCT
fsr-3479	380	17	.	.	PUNCT
fsr-3479	381	1	a	a	DET
fsr-3479	381	2	diary	diary	ADJ
fsr-3479	381	3	study	study	NOUN
fsr-3479	381	4	of	of	ADP
fsr-3479	381	5	task	task	NOUN
fsr-3479	381	6	switching	switching	NOUN
fsr-3479	381	7	and	and	CCONJ
fsr-3479	381	8	interruptions	interruption	NOUN
fsr-3479	381	9	.	.	PUNCT
fsr-3479	382	1	in	in	ADP
fsr-3479	382	2	proceedings	proceeding	NOUN
fsr-3479	382	3	of	of	ADP
fsr-3479	382	4	the	the	DET
fsr-3479	382	5	sigchi	sigchi	PROPN
fsr-3479	382	6	conference	conference	NOUN
fsr-3479	382	7	on	on	ADP
fsr-3479	382	8	human	human	ADJ
fsr-3479	382	9	factors	factor	NOUN
fsr-3479	382	10	in	in	ADP
fsr-3479	382	11	computing	computing	NOUN
fsr-3479	382	12	systems	system	NOUN
fsr-3479	382	13	,	,	PUNCT
fsr-3479	382	14	austria	austria	PROPN
fsr-3479	382	15	(	(	PUNCT
fsr-3479	382	16	pp	pp	ADJ
fsr-3479	382	17	.	.	PUNCT
fsr-3479	382	18	175–182	175–182	NUM
fsr-3479	382	19	)	)	PUNCT
fsr-3479	382	20	.	.	PUNCT
fsr-3479	383	1	new	new	PROPN
fsr-3479	383	2	york	york	PROPN
fsr-3479	383	3	,	,	PUNCT
fsr-3479	383	4	ny	ny	PROPN
fsr-3479	383	5	:	:	PUNCT
fsr-3479	383	6	association	association	NOUN
fsr-3479	383	7	for	for	ADP
fsr-3479	383	8	computing	compute	VERB
fsr-3479	383	9	machinery	machinery	NOUN
fsr-3479	383	10	.	.	PUNCT
fsr-3479	384	1	https://doi.org/10.1145/985692.985715	https://doi.org/10.1145/985692.985715	NOUN
fsr-3479	384	2	damodaran	damodaran	PROPN
fsr-3479	384	3	,	,	PUNCT
fsr-3479	384	4	a.	a.	NOUN
fsr-3479	384	5	(	(	PUNCT
fsr-3479	384	6	2019	2019	NUM
fsr-3479	384	7	)	)	PUNCT
fsr-3479	384	8	.	.	PUNCT
fsr-3479	385	1	historical	historical	ADJ
fsr-3479	385	2	returns	return	NOUN
fsr-3479	385	3	:	:	PUNCT
fsr-3479	385	4	stocks	stock	NOUN
fsr-3479	385	5	,	,	PUNCT
fsr-3479	385	6	t.bonds	t.bond	NOUN
fsr-3479	385	7	&	&	CCONJ
fsr-3479	385	8	t.bills	t.bill	NOUN
fsr-3479	385	9	with	with	ADP
fsr-3479	385	10	premiums	premium	NOUN
fsr-3479	385	11	[	[	SYM
fsr-3479	385	12	data	datum	NOUN
fsr-3479	385	13	file	file	NOUN
fsr-3479	385	14	]	]	PUNCT
fsr-3479	385	15	.	.	PUNCT
fsr-3479	386	1	available	available	ADJ
fsr-3479	386	2	at	at	ADP
fsr-3479	386	3	http://www.stern.nyu.edu/;adamodar/new_home_page/data.html	http://www.stern.nyu.edu/;adamodar/new_home_page/data.html	PROPN
fsr-3479	386	4	del	del	PROPN
fsr-3479	386	5	guercio	guercio	PROPN
fsr-3479	386	6	,	,	PUNCT
fsr-3479	386	7	d.	d.	PROPN
fsr-3479	386	8	,	,	PUNCT
fsr-3479	386	9	&	&	CCONJ
fsr-3479	386	10	reuter	reuter	PROPN
fsr-3479	386	11	,	,	PUNCT
fsr-3479	386	12	j.	j.	PROPN
fsr-3479	386	13	(	(	PUNCT
fsr-3479	386	14	2014	2014	NUM
fsr-3479	386	15	)	)	PUNCT
fsr-3479	386	16	.	.	PUNCT
fsr-3479	387	1	mutual	mutual	ADJ
fsr-3479	387	2	fund	fund	NOUN
fsr-3479	387	3	performance	performance	NOUN
fsr-3479	387	4	and	and	CCONJ
fsr-3479	387	5	the	the	DET
fsr-3479	387	6	incentive	incentive	NOUN
fsr-3479	387	7	to	to	PART
fsr-3479	387	8	generate	generate	VERB
fsr-3479	387	9	alpha	alpha	NOUN
fsr-3479	387	10	.	.	PUNCT
fsr-3479	388	1	the	the	DET
fsr-3479	388	2	journal	journal	PROPN
fsr-3479	388	3	of	of	ADP
fsr-3479	388	4	finance	finance	NOUN
fsr-3479	388	5	,	,	PUNCT
fsr-3479	388	6	69	69	NUM
fsr-3479	388	7	,	,	PUNCT
fsr-3479	388	8	1673–1704	1673–1704	NUM
fsr-3479	388	9	.	.	PUNCT
fsr-3479	389	1	https://doi.org/0.1111/jofi.12048	https://doi.org/0.1111/jofi.12048	PROPN
fsr-3479	389	2	del	del	PROPN
fsr-3479	389	3	guercio	guercio	PROPN
fsr-3479	389	4	,	,	PUNCT
fsr-3479	389	5	d.	d.	PROPN
fsr-3479	389	6	,	,	PUNCT
fsr-3479	389	7	reuter	reuter	PROPN
fsr-3479	389	8	,	,	PUNCT
fsr-3479	389	9	j.	j.	PROPN
fsr-3479	389	10	,	,	PUNCT
fsr-3479	389	11	&	&	CCONJ
fsr-3479	389	12	tkac	tkac	PROPN
fsr-3479	389	13	,	,	PUNCT
fsr-3479	389	14	p.	p.	PROPN
fsr-3479	389	15	(	(	PUNCT
fsr-3479	389	16	2010	2010	NUM
fsr-3479	389	17	)	)	PUNCT
fsr-3479	389	18	.	.	PUNCT
fsr-3479	390	1	broker	broker	NOUN
fsr-3479	390	2	incentives	incentive	NOUN
fsr-3479	390	3	and	and	CCONJ
fsr-3479	390	4	mutual	mutual	ADJ
fsr-3479	390	5	fund	fund	NOUN
fsr-3479	390	6	market	market	NOUN
fsr-3479	390	7	segmentation	segmentation	NOUN
fsr-3479	390	8	.	.	PUNCT
fsr-3479	391	1	nber	nber	PROPN
fsr-3479	391	2	working	working	PROPN
fsr-3479	391	3	paper	paper	PROPN
fsr-3479	391	4	16312	16312	NUM
fsr-3479	391	5	.	.	PUNCT
fsr-3479	392	1	retrieved	retrieve	VERB
fsr-3479	392	2	from	from	ADP
fsr-3479	392	3	https://ssrn.com/abstract=1667344	https://ssrn.com/abstract=1667344	PROPN
fsr-3479	392	4	desai	desai	PROPN
fsr-3479	392	5	,	,	PUNCT
fsr-3479	392	6	h.	h.	PROPN
fsr-3479	392	7	,	,	PUNCT
fsr-3479	392	8	&	&	CCONJ
fsr-3479	392	9	jain	jain	PROPN
fsr-3479	392	10	,	,	PUNCT
fsr-3479	392	11	p.	p.	PROPN
fsr-3479	392	12	c.	c.	PROPN
fsr-3479	392	13	(	(	PUNCT
fsr-3479	392	14	1995	1995	NUM
fsr-3479	392	15	)	)	PUNCT
fsr-3479	392	16	.	.	PUNCT
fsr-3479	393	1	an	an	DET
fsr-3479	393	2	analysis	analysis	NOUN
fsr-3479	393	3	if	if	SCONJ
fsr-3479	393	4	the	the	DET
fsr-3479	393	5	recommendations	recommendation	NOUN
fsr-3479	393	6	of	of	ADP
fsr-3479	393	7	the	the	DET
fsr-3479	393	8	“	"	PUNCT
fsr-3479	393	9	superstar	superstar	NOUN
fsr-3479	393	10	”	"	PUNCT
fsr-3479	393	11	money	money	NOUN
fsr-3479	393	12	managers	manager	NOUN
fsr-3479	393	13	at	at	ADP
fsr-3479	393	14	barron	barron	PROPN
fsr-3479	393	15	’s	’s	PART
fsr-3479	393	16	annual	annual	ADJ
fsr-3479	393	17	roundtable	roundtable	NOUN
fsr-3479	393	18	.	.	PUNCT
fsr-3479	394	1	journal	journal	PROPN
fsr-3479	394	2	of	of	ADP
fsr-3479	394	3	finance	finance	NOUN
fsr-3479	394	4	,	,	PUNCT
fsr-3479	394	5	50	50	NUM
fsr-3479	394	6	,	,	PUNCT
fsr-3479	394	7	1257–1273	1257–1273	NUM
fsr-3479	394	8	.	.	PUNCT
fsr-3479	395	1	foerster	foerster	PROPN
fsr-3479	395	2	,	,	PUNCT
fsr-3479	395	3	s.	s.	PROPN
fsr-3479	395	4	,	,	PUNCT
fsr-3479	395	5	linnainmaa	linnainmaa	PROPN
fsr-3479	395	6	,	,	PUNCT
fsr-3479	395	7	j.	j.	PROPN
fsr-3479	395	8	,	,	PUNCT
fsr-3479	395	9	melzer	melzer	PROPN
fsr-3479	395	10	,	,	PUNCT
fsr-3479	395	11	b.	b.	PROPN
fsr-3479	395	12	,	,	PUNCT
fsr-3479	395	13	&	&	CCONJ
fsr-3479	395	14	previtero	previtero	PROPN
fsr-3479	395	15	,	,	PUNCT
fsr-3479	395	16	a.	a.	NOUN
fsr-3479	395	17	(	(	PUNCT
fsr-3479	395	18	2017	2017	NUM
fsr-3479	395	19	)	)	PUNCT
fsr-3479	395	20	.	.	PUNCT
fsr-3479	396	1	retail	retail	ADJ
fsr-3479	396	2	financial	financial	ADJ
fsr-3479	396	3	advice	advice	NOUN
fsr-3479	396	4	:	:	PUNCT
fsr-3479	396	5	does	do	AUX
fsr-3479	396	6	one	one	NUM
fsr-3479	396	7	size	size	NOUN
fsr-3479	396	8	fit	fit	VERB
fsr-3479	396	9	all	all	PRON
fsr-3479	396	10	?	?	PUNCT
fsr-3479	397	1	journal	journal	NOUN
fsr-3479	397	2	of	of	ADP
fsr-3479	397	3	finance	finance	NOUN
fsr-3479	397	4	,	,	PUNCT
fsr-3479	397	5	72	72	NUM
fsr-3479	397	6	,	,	PUNCT
fsr-3479	397	7	1,441–1,482	1,441–1,482	NUM
fsr-3479	397	8	.	.	PUNCT
fsr-3479	397	9	french	french	PROPN
fsr-3479	397	10	,	,	PUNCT
fsr-3479	397	11	k.	k.	PROPN
fsr-3479	397	12	r.	r.	PROPN
fsr-3479	397	13	(	(	PUNCT
fsr-3479	397	14	2008	2008	NUM
fsr-3479	397	15	)	)	PUNCT
fsr-3479	397	16	.	.	PUNCT
fsr-3479	398	1	presidential	presidential	ADJ
fsr-3479	398	2	address	address	NOUN
fsr-3479	398	3	:	:	PUNCT
fsr-3479	398	4	the	the	DET
fsr-3479	398	5	cost	cost	NOUN
fsr-3479	398	6	of	of	ADP
fsr-3479	398	7	active	active	ADJ
fsr-3479	398	8	investing	investing	NOUN
fsr-3479	398	9	.	.	PUNCT
fsr-3479	399	1	the	the	DET
fsr-3479	399	2	journal	journal	PROPN
fsr-3479	399	3	of	of	ADP
fsr-3479	399	4	finance	finance	NOUN
fsr-3479	399	5	,	,	PUNCT
fsr-3479	399	6	63	63	NUM
fsr-3479	399	7	,	,	PUNCT
fsr-3479	399	8	1537–1573	1537–1573	NUM
fsr-3479	399	9	.	.	PUNCT
fsr-3479	400	1	https://doi.org/0.1111/j.1540-6261.2008.01368.x	https://doi.org/0.1111/j.1540-6261.2008.01368.x	PROPN
fsr-3479	400	2	gennaioli	gennaioli	NOUN
fsr-3479	400	3	,	,	PUNCT
fsr-3479	400	4	n.	n.	NOUN
fsr-3479	400	5	,	,	PUNCT
fsr-3479	400	6	shleifer	shleifer	PROPN
fsr-3479	400	7	,	,	PUNCT
fsr-3479	400	8	a.	a.	PROPN
fsr-3479	400	9	,	,	PUNCT
fsr-3479	400	10	&	&	CCONJ
fsr-3479	400	11	vishny	vishny	PROPN
fsr-3479	400	12	,	,	PUNCT
fsr-3479	400	13	r.	r.	PROPN
fsr-3479	400	14	(	(	PUNCT
fsr-3479	400	15	2015	2015	NUM
fsr-3479	400	16	)	)	PUNCT
fsr-3479	400	17	.	.	PUNCT
fsr-3479	401	1	money	money	NOUN
fsr-3479	401	2	doctors	doctor	NOUN
fsr-3479	401	3	.	.	PUNCT
fsr-3479	402	1	the	the	DET
fsr-3479	402	2	journal	journal	PROPN
fsr-3479	402	3	of	of	ADP
fsr-3479	402	4	finance	finance	NOUN
fsr-3479	402	5	,	,	PUNCT
fsr-3479	402	6	70	70	NUM
fsr-3479	402	7	,	,	PUNCT
fsr-3479	402	8	91–114	91–114	NUM
fsr-3479	402	9	.	.	PUNCT
fsr-3479	403	1	https://	https://	PROPN
fsr-3479	403	2	doi.org/10.1111/jofi.12188	doi.org/10.1111/jofi.12188	PROPN
fsr-3479	403	3	gil	gil	PROPN
fsr-3479	403	4	-	-	NOUN
fsr-3479	403	5	bazo	bazo	NOUN
fsr-3479	403	6	,	,	PUNCT
fsr-3479	403	7	j.	j.	PROPN
fsr-3479	403	8	,	,	PUNCT
fsr-3479	403	9	&	&	CCONJ
fsr-3479	403	10	ruiz	ruiz	NOUN
fsr-3479	403	11	-	-	PUNCT
fsr-3479	403	12	verdú	verdú	ADJ
fsr-3479	403	13	,	,	PUNCT
fsr-3479	403	14	p.	p.	NOUN
fsr-3479	403	15	(	(	PUNCT
fsr-3479	403	16	2009	2009	NUM
fsr-3479	403	17	)	)	PUNCT
fsr-3479	403	18	.	.	PUNCT
fsr-3479	404	1	the	the	DET
fsr-3479	404	2	relation	relation	NOUN
fsr-3479	404	3	between	between	ADP
fsr-3479	404	4	price	price	NOUN
fsr-3479	404	5	and	and	CCONJ
fsr-3479	404	6	performance	performance	NOUN
fsr-3479	404	7	in	in	ADP
fsr-3479	404	8	the	the	DET
fsr-3479	404	9	mutual	mutual	ADJ
fsr-3479	404	10	fund	fund	NOUN
fsr-3479	404	11	industry	industry	NOUN
fsr-3479	404	12	.	.	PUNCT
fsr-3479	405	1	the	the	DET
fsr-3479	405	2	journal	journal	PROPN
fsr-3479	405	3	of	of	ADP
fsr-3479	405	4	finance	finance	NOUN
fsr-3479	405	5	,	,	PUNCT
fsr-3479	405	6	64	64	NUM
fsr-3479	405	7	,	,	PUNCT
fsr-3479	405	8	2153–2183	2153–2183	NUM
fsr-3479	405	9	.	.	PUNCT
fsr-3479	406	1	https://doi.org/10.1111/j.1540-6261.2009.01497.x	https://doi.org/10.1111/j.1540-6261.2009.01497.x	PROPN
fsr-3479	406	2	gillie	gillie	PROPN
fsr-3479	406	3	,	,	PUNCT
fsr-3479	406	4	t.	t.	PROPN
fsr-3479	406	5	,	,	PUNCT
fsr-3479	406	6	&	&	CCONJ
fsr-3479	406	7	broadbent	broadbent	PROPN
fsr-3479	406	8	,	,	PUNCT
fsr-3479	406	9	d.	d.	PROPN
fsr-3479	406	10	(	(	PUNCT
fsr-3479	406	11	1989	1989	NUM
fsr-3479	406	12	)	)	PUNCT
fsr-3479	406	13	.	.	PUNCT
fsr-3479	407	1	what	what	PRON
fsr-3479	407	2	makes	make	VERB
fsr-3479	407	3	interruptions	interruption	NOUN
fsr-3479	407	4	disruptive	disruptive	ADJ
fsr-3479	407	5	?	?	PUNCT
fsr-3479	408	1	a	a	DET
fsr-3479	408	2	study	study	NOUN
fsr-3479	408	3	of	of	ADP
fsr-3479	408	4	length	length	NOUN
fsr-3479	408	5	,	,	PUNCT
fsr-3479	408	6	similarity	similarity	NOUN
fsr-3479	408	7	,	,	PUNCT
fsr-3479	408	8	and	and	CCONJ
fsr-3479	408	9	complexity	complexity	NOUN
fsr-3479	408	10	.	.	PUNCT
fsr-3479	409	1	psychological	psychological	ADJ
fsr-3479	409	2	research	research	NOUN
fsr-3479	409	3	,	,	PUNCT
fsr-3479	409	4	50	50	NUM
fsr-3479	409	5	,	,	PUNCT
fsr-3479	409	6	243–250	243–250	NUM
fsr-3479	409	7	.	.	PUNCT
fsr-3479	410	1	https://doi.org/10.1007/bf00309260	https://doi.org/10.1007/bf00309260	NUM
fsr-3479	410	2	gonzàlez	gonzàlez	PROPN
fsr-3479	410	3	,	,	PUNCT
fsr-3479	410	4	v.	v.	PROPN
fsr-3479	410	5	,	,	PUNCT
fsr-3479	410	6	&	&	CCONJ
fsr-3479	410	7	mark	mark	PROPN
fsr-3479	410	8	,	,	PUNCT
fsr-3479	410	9	g.	g.	PROPN
fsr-3479	410	10	(	(	PUNCT
fsr-3479	410	11	2005	2005	NUM
fsr-3479	410	12	)	)	PUNCT
fsr-3479	410	13	.	.	PUNCT
fsr-3479	411	1	managing	manage	VERB
fsr-3479	411	2	currents	current	NOUN
fsr-3479	411	3	of	of	ADP
fsr-3479	411	4	work	work	NOUN
fsr-3479	411	5	:	:	PUNCT
fsr-3479	411	6	multitasking	multitaske	VERB
fsr-3479	411	7	among	among	ADP
fsr-3479	411	8	multiple	multiple	ADJ
fsr-3479	411	9	collaborations	collaboration	NOUN
fsr-3479	411	10	.	.	PUNCT
fsr-3479	412	1	in	in	ADP
fsr-3479	412	2	h.	h.	PROPN
fsr-3479	412	3	gellersen	gellersen	PROPN
fsr-3479	412	4	,	,	PUNCT
fsr-3479	412	5	k.	k.	PROPN
fsr-3479	412	6	schmidt	schmidt	PROPN
fsr-3479	412	7	,	,	PUNCT
fsr-3479	412	8	m.	m.	NOUN
fsr-3479	412	9	beaudouin	beaudouin	NOUN
fsr-3479	412	10	-	-	PUNCT
fsr-3479	412	11	lafon	lafon	PROPN
fsr-3479	412	12	,	,	PUNCT
fsr-3479	412	13	&	&	CCONJ
fsr-3479	412	14	m.	m.	PROPN
fsr-3479	412	15	mackay	mackay	PROPN
fsr-3479	412	16	(	(	PUNCT
fsr-3479	412	17	eds	eds	PROPN
fsr-3479	412	18	.	.	PUNCT
fsr-3479	412	19	)	)	PUNCT
fsr-3479	412	20	,	,	PUNCT
fsr-3479	412	21	ecscw	ecscw	ADJ
fsr-3479	412	22	2005	2005	NUM
fsr-3479	412	23	:	:	PUNCT
fsr-3479	412	24	proceedings	proceeding	NOUN
fsr-3479	412	25	of	of	ADP
fsr-3479	412	26	the	the	DET
fsr-3479	412	27	ninth	ninth	ADJ
fsr-3479	412	28	european	european	ADJ
fsr-3479	412	29	conference	conference	NOUN
fsr-3479	412	30	on	on	ADP
fsr-3479	412	31	computer	computer	NOUN
fsr-3479	412	32	-	-	PUNCT
fsr-3479	412	33	supported	support	VERB
fsr-3479	412	34	cooperative	cooperative	ADJ
fsr-3479	412	35	work	work	NOUN
fsr-3479	412	36	(	(	PUNCT
fsr-3479	412	37	pp.143–162	pp.143–162	NOUN
fsr-3479	412	38	)	)	PUNCT
fsr-3479	412	39	.	.	PUNCT
fsr-3479	413	1	dordrecht	dordrecht	PROPN
fsr-3479	413	2	,	,	PUNCT
fsr-3479	413	3	the	the	DET
fsr-3479	413	4	netherlands	netherlands	PROPN
fsr-3479	413	5	:	:	PUNCT
fsr-3479	413	6	springer	springer	NOUN
fsr-3479	413	7	science	science	NOUN
fsr-3479	413	8	.	.	PUNCT
fsr-3479	414	1	greenleaf	greenleaf	PROPN
fsr-3479	414	2	,	,	PUNCT
fsr-3479	414	3	e.	e.	PROPN
fsr-3479	414	4	a.	a.	PROPN
fsr-3479	414	5	,	,	PUNCT
fsr-3479	414	6	&	&	CCONJ
fsr-3479	414	7	lehmann	lehmann	PROPN
fsr-3479	414	8	,	,	PUNCT
fsr-3479	414	9	d.	d.	PROPN
fsr-3479	414	10	(	(	PUNCT
fsr-3479	414	11	1995	1995	NUM
fsr-3479	414	12	)	)	PUNCT
fsr-3479	414	13	.	.	PUNCT
fsr-3479	415	1	reasons	reason	NOUN
fsr-3479	415	2	for	for	ADP
fsr-3479	415	3	substantial	substantial	ADJ
fsr-3479	415	4	delay	delay	NOUN
fsr-3479	415	5	in	in	ADP
fsr-3479	415	6	consumer	consumer	NOUN
fsr-3479	415	7	decision	decision	NOUN
fsr-3479	415	8	making	making	NOUN
fsr-3479	415	9	.	.	PUNCT
fsr-3479	416	1	journal	journal	PROPN
fsr-3479	416	2	of	of	ADP
fsr-3479	416	3	consumer	consumer	NOUN
fsr-3479	416	4	research	research	NOUN
fsr-3479	416	5	,	,	PUNCT
fsr-3479	416	6	22	22	NUM
fsr-3479	416	7	,	,	PUNCT
fsr-3479	416	8	186–199	186–199	NUM
fsr-3479	416	9	.	.	PUNCT
fsr-3479	417	1	https://doi.org/10.1086/209444	https://doi.org/10.1086/209444	ADJ
fsr-3479	417	2	gruber	gruber	PROPN
fsr-3479	417	3	,	,	PUNCT
fsr-3479	417	4	m.	m.	NOUN
fsr-3479	417	5	(	(	PUNCT
fsr-3479	417	6	1996	1996	NUM
fsr-3479	417	7	)	)	PUNCT
fsr-3479	417	8	.	.	PUNCT
fsr-3479	418	1	another	another	DET
fsr-3479	418	2	puzzle	puzzle	NOUN
fsr-3479	418	3	:	:	PUNCT
fsr-3479	418	4	the	the	DET
fsr-3479	418	5	growth	growth	NOUN
fsr-3479	418	6	in	in	ADP
fsr-3479	418	7	actively	actively	ADV
fsr-3479	418	8	managed	manage	VERB
fsr-3479	418	9	mutual	mutual	ADJ
fsr-3479	418	10	funds	fund	NOUN
fsr-3479	418	11	.	.	PUNCT
fsr-3479	419	1	the	the	DET
fsr-3479	419	2	journal	journal	PROPN
fsr-3479	419	3	of	of	ADP
fsr-3479	419	4	finance	finance	NOUN
fsr-3479	419	5	,	,	PUNCT
fsr-3479	419	6	51	51	NUM
fsr-3479	419	7	,	,	PUNCT
fsr-3479	419	8	783–810	783–810	NUM
fsr-3479	419	9	.	.	PUNCT
fsr-3479	420	1	https://doi.org/10.1111/j.1540-6261.1996.tb02707.x	https://doi.org/10.1111/j.1540-6261.1996.tb02707.x	PROPN
fsr-3479	420	2	hackethal	hackethal	NOUN
fsr-3479	420	3	,	,	PUNCT
fsr-3479	420	4	a.	a.	NOUN
fsr-3479	420	5	,	,	PUNCT
fsr-3479	420	6	haliassos	haliassos	NOUN
fsr-3479	420	7	,	,	PUNCT
fsr-3479	420	8	m.	m.	NOUN
fsr-3479	420	9	,	,	PUNCT
fsr-3479	420	10	&	&	CCONJ
fsr-3479	420	11	jappelli	jappelli	PROPN
fsr-3479	420	12	,	,	PUNCT
fsr-3479	420	13	t.	t.	PROPN
fsr-3479	420	14	(	(	PUNCT
fsr-3479	420	15	2012	2012	NUM
fsr-3479	420	16	)	)	PUNCT
fsr-3479	420	17	.	.	PUNCT
fsr-3479	421	1	financial	financial	ADJ
fsr-3479	421	2	advisors	advisor	NOUN
fsr-3479	421	3	:	:	PUNCT
fsr-3479	421	4	a	a	DET
fsr-3479	421	5	case	case	NOUN
fsr-3479	421	6	of	of	ADP
fsr-3479	421	7	babysitters	babysitter	NOUN
fsr-3479	421	8	?	?	PUNCT
fsr-3479	422	1	journal	journal	NOUN
fsr-3479	422	2	of	of	ADP
fsr-3479	422	3	banking	banking	NOUN
fsr-3479	422	4	&	&	CCONJ
fsr-3479	422	5	finance	finance	PROPN
fsr-3479	422	6	,	,	PUNCT
fsr-3479	422	7	36	36	NUM
fsr-3479	422	8	,	,	PUNCT
fsr-3479	422	9	509–524	509–524	NUM
fsr-3479	422	10	.	.	PUNCT
fsr-3479	423	1	https://doi.org/10.1016/j.jbankfin.2011.08.008	https://doi.org/10.1016/j.jbankfin.2011.08.008	PROPN
fsr-3479	423	2	j.	j.	PROPN
fsr-3479	423	3	e.	e.	PROPN
fsr-3479	423	4	heller	heller	PROPN
fsr-3479	423	5	et	et	PROPN
fsr-3479	423	6	al	al	PROPN
fsr-3479	423	7	.	.	PUNCT
fsr-3479	423	8	/	/	SYM
fsr-3479	423	9	financial	financial	ADJ
fsr-3479	423	10	services	service	NOUN
fsr-3479	423	11	review	review	VERB
fsr-3479	423	12	30	30	NUM
fsr-3479	423	13	(	(	PUNCT
fsr-3479	423	14	2022	2022	NUM
fsr-3479	423	15	)	)	PUNCT
fsr-3479	423	16	145–164	145–164	NUM
fsr-3479	423	17	163	163	NUM
fsr-3479	423	18	hodgetts	hodgett	NOUN
fsr-3479	423	19	,	,	PUNCT
fsr-3479	423	20	h.	h.	PROPN
fsr-3479	423	21	,	,	PUNCT
fsr-3479	423	22	&	&	CCONJ
fsr-3479	423	23	jones	jones	PROPN
fsr-3479	423	24	,	,	PUNCT
fsr-3479	423	25	d.	d.	PROPN
fsr-3479	423	26	m.	m.	PROPN
fsr-3479	423	27	(	(	PUNCT
fsr-3479	423	28	2006	2006	NUM
fsr-3479	423	29	)	)	PUNCT
fsr-3479	423	30	.	.	PUNCT
fsr-3479	424	1	interruption	interruption	NOUN
fsr-3479	424	2	of	of	ADP
fsr-3479	424	3	the	the	DET
fsr-3479	424	4	tower	tower	NOUN
fsr-3479	424	5	of	of	ADP
fsr-3479	424	6	london	london	PROPN
fsr-3479	424	7	task	task	NOUN
fsr-3479	424	8	:	:	PUNCT
fsr-3479	424	9	support	support	NOUN
fsr-3479	424	10	for	for	ADP
fsr-3479	424	11	a	a	DET
fsr-3479	424	12	goal	goal	NOUN
fsr-3479	424	13	-	-	PUNCT
fsr-3479	424	14	activation	activation	NOUN
fsr-3479	424	15	approach	approach	NOUN
fsr-3479	424	16	.	.	PUNCT
fsr-3479	425	1	journal	journal	NOUN
fsr-3479	425	2	of	of	ADP
fsr-3479	425	3	experimental	experimental	ADJ
fsr-3479	425	4	psychology	psychology	NOUN
fsr-3479	425	5	:	:	PUNCT
fsr-3479	425	6	general	general	ADJ
fsr-3479	425	7	,	,	PUNCT
fsr-3479	425	8	135	135	NUM
fsr-3479	425	9	,	,	PUNCT
fsr-3479	425	10	103–115	103–115	NUM
fsr-3479	425	11	.	.	PUNCT
fsr-3479	426	1	https://doi.org/10.1037/00963445.135.1.103	https://doi.org/10.1037/00963445.135.1.103	ADJ
fsr-3479	426	2	huberman	huberman	NOUN
fsr-3479	426	3	,	,	PUNCT
fsr-3479	426	4	g.	g.	PROPN
fsr-3479	426	5	,	,	PUNCT
fsr-3479	426	6	iyengar	iyengar	PROPN
fsr-3479	426	7	,	,	PUNCT
fsr-3479	426	8	s.	s.	PROPN
fsr-3479	426	9	s.	s.	PROPN
fsr-3479	426	10	,	,	PUNCT
fsr-3479	426	11	&	&	CCONJ
fsr-3479	426	12	jiang	jiang	PROPN
fsr-3479	426	13	,	,	PUNCT
fsr-3479	426	14	w.	w.	PROPN
fsr-3479	426	15	(	(	PUNCT
fsr-3479	426	16	2004	2004	NUM
fsr-3479	426	17	)	)	PUNCT
fsr-3479	426	18	.	.	PUNCT
fsr-3479	427	1	how	how	SCONJ
fsr-3479	427	2	much	much	ADJ
fsr-3479	427	3	choice	choice	NOUN
fsr-3479	427	4	is	be	AUX
fsr-3479	427	5	too	too	ADV
fsr-3479	427	6	much	much	ADJ
fsr-3479	427	7	:	:	PUNCT
fsr-3479	427	8	determinants	determinant	NOUN
fsr-3479	427	9	of	of	ADP
fsr-3479	427	10	individual	individual	ADJ
fsr-3479	427	11	contributions	contribution	NOUN
fsr-3479	427	12	in	in	ADP
fsr-3479	427	13	401k	401k	NOUN
fsr-3479	427	14	retirement	retirement	NOUN
fsr-3479	427	15	plans	plan	NOUN
fsr-3479	427	16	.	.	PUNCT
fsr-3479	428	1	in	in	ADP
fsr-3479	428	2	o.s	o.s	PROPN
fsr-3479	428	3	.	.	PROPN
fsr-3479	428	4	mitchell	mitchell	PROPN
fsr-3479	428	5	&	&	CCONJ
fsr-3479	428	6	s.	s.	PROPN
fsr-3479	428	7	utkus	utkus	PROPN
fsr-3479	428	8	(	(	PUNCT
fsr-3479	428	9	eds	ed	NOUN
fsr-3479	428	10	.	.	PUNCT
fsr-3479	428	11	)	)	PUNCT
fsr-3479	428	12	,	,	PUNCT
fsr-3479	428	13	pension	pension	NOUN
fsr-3479	428	14	design	design	NOUN
fsr-3479	428	15	and	and	CCONJ
fsr-3479	428	16	structure	structure	NOUN
fsr-3479	428	17	:	:	PUNCT
fsr-3479	428	18	new	new	ADJ
fsr-3479	428	19	lessons	lesson	NOUN
fsr-3479	428	20	from	from	ADP
fsr-3479	428	21	behavioral	behavioral	ADJ
fsr-3479	428	22	finance	finance	NOUN
fsr-3479	428	23	(	(	PUNCT
fsr-3479	428	24	pp	pp	ADJ
fsr-3479	428	25	.	.	PUNCT
fsr-3479	428	26	83–97	83–97	NUM
fsr-3479	428	27	)	)	PUNCT
fsr-3479	428	28	.	.	PUNCT
fsr-3479	429	1	oxford	oxford	NOUN
fsr-3479	429	2	:	:	PUNCT
fsr-3479	429	3	oxford	oxford	PROPN
fsr-3479	429	4	university	university	PROPN
fsr-3479	429	5	press	press	NOUN
fsr-3479	429	6	.	.	PUNCT
fsr-3479	430	1	jacko	jacko	PROPN
fsr-3479	430	2	,	,	PUNCT
fsr-3479	430	3	j.	j.	PROPN
fsr-3479	430	4	a.	a.	PROPN
fsr-3479	430	5	,	,	PUNCT
fsr-3479	430	6	&	&	CCONJ
fsr-3479	430	7	ward	ward	PROPN
fsr-3479	430	8	,	,	PUNCT
fsr-3479	430	9	k.	k.	PROPN
fsr-3479	430	10	g.	g.	PROPN
fsr-3479	430	11	(	(	PUNCT
fsr-3479	430	12	1996	1996	NUM
fsr-3479	430	13	)	)	PUNCT
fsr-3479	430	14	.	.	PUNCT
fsr-3479	431	1	toward	toward	ADP
fsr-3479	431	2	establishing	establish	VERB
fsr-3479	431	3	a	a	DET
fsr-3479	431	4	link	link	NOUN
fsr-3479	431	5	between	between	ADP
fsr-3479	431	6	psychomotor	psychomotor	NOUN
fsr-3479	431	7	task	task	NOUN
fsr-3479	431	8	complexity	complexity	NOUN
fsr-3479	431	9	and	and	CCONJ
fsr-3479	431	10	human	human	ADJ
fsr-3479	431	11	information	information	NOUN
fsr-3479	431	12	processing	processing	NOUN
fsr-3479	431	13	.	.	PUNCT
fsr-3479	432	1	computers	computer	NOUN
fsr-3479	432	2	&	&	CCONJ
fsr-3479	432	3	industrial	industrial	ADJ
fsr-3479	432	4	engineering	engineering	NOUN
fsr-3479	432	5	,	,	PUNCT
fsr-3479	432	6	31	31	NUM
fsr-3479	432	7	,	,	PUNCT
fsr-3479	432	8	533–536	533–536	NUM
fsr-3479	432	9	.	.	PUNCT
fsr-3479	433	1	https://doi.org/10.1016/03608352(96)00192-1	https://doi.org/10.1016/03608352(96)00192-1	PROPN
fsr-3479	433	2	jensen	jensen	PROPN
fsr-3479	433	3	,	,	PUNCT
fsr-3479	433	4	m.	m.	NOUN
fsr-3479	433	5	(	(	PUNCT
fsr-3479	433	6	1968	1968	NUM
fsr-3479	433	7	)	)	PUNCT
fsr-3479	433	8	.	.	PUNCT
fsr-3479	434	1	the	the	DET
fsr-3479	434	2	performance	performance	NOUN
fsr-3479	434	3	of	of	ADP
fsr-3479	434	4	mutual	mutual	ADJ
fsr-3479	434	5	funds	fund	NOUN
fsr-3479	434	6	in	in	ADP
fsr-3479	434	7	the	the	DET
fsr-3479	434	8	period	period	NOUN
fsr-3479	434	9	1945	1945	NUM
fsr-3479	434	10	-	-	SYM
fsr-3479	434	11	1964	1964	NUM
fsr-3479	434	12	.	.	PUNCT
fsr-3479	435	1	the	the	DET
fsr-3479	435	2	journal	journal	NOUN
fsr-3479	435	3	of	of	ADP
fsr-3479	435	4	finance	finance	NOUN
fsr-3479	435	5	,	,	PUNCT
fsr-3479	435	6	23	23	NUM
fsr-3479	435	7	,	,	PUNCT
fsr-3479	435	8	389	389	NUM
fsr-3479	435	9	–	–	PUNCT
fsr-3479	435	10	416	416	NUM
fsr-3479	435	11	.	.	PUNCT
fsr-3479	436	1	https://doi.org/10.1111/j.1540-6261.1968.tb00815.x	https://doi.org/10.1111/j.1540-6261.1968.tb00815.x	PROPN
fsr-3479	436	2	jin	jin	PROPN
fsr-3479	436	3	,	,	PUNCT
fsr-3479	436	4	j.	j.	PROPN
fsr-3479	436	5	,	,	PUNCT
fsr-3479	436	6	&	&	CCONJ
fsr-3479	436	7	dabbish	dabbish	PROPN
fsr-3479	436	8	,	,	PUNCT
fsr-3479	436	9	l.	l.	PROPN
fsr-3479	436	10	a.	a.	PROPN
fsr-3479	436	11	(	(	PUNCT
fsr-3479	436	12	2009	2009	NUM
fsr-3479	436	13	)	)	PUNCT
fsr-3479	436	14	.	.	PUNCT
fsr-3479	437	1	self	self	NOUN
fsr-3479	437	2	-	-	PUNCT
fsr-3479	437	3	interruption	interruption	NOUN
fsr-3479	437	4	on	on	ADP
fsr-3479	437	5	the	the	DET
fsr-3479	437	6	computer	computer	NOUN
fsr-3479	437	7	:	:	PUNCT
fsr-3479	437	8	a	a	DET
fsr-3479	437	9	typology	typology	NOUN
fsr-3479	437	10	of	of	ADP
fsr-3479	437	11	discretionary	discretionary	ADJ
fsr-3479	437	12	task	task	NOUN
fsr-3479	437	13	interleaving	interleaving	NOUN
fsr-3479	437	14	.	.	PUNCT
fsr-3479	438	1	in	in	ADP
fsr-3479	438	2	proceedings	proceeding	NOUN
fsr-3479	438	3	of	of	ADP
fsr-3479	438	4	the	the	DET
fsr-3479	438	5	sigchi	sigchi	PROPN
fsr-3479	438	6	conference	conference	NOUN
fsr-3479	438	7	on	on	ADP
fsr-3479	438	8	human	human	ADJ
fsr-3479	438	9	factors	factor	NOUN
fsr-3479	438	10	in	in	ADP
fsr-3479	438	11	computing	computing	NOUN
fsr-3479	438	12	systems	system	NOUN
fsr-3479	438	13	,	,	PUNCT
fsr-3479	438	14	usa	usa	PROPN
fsr-3479	438	15	(	(	PUNCT
fsr-3479	438	16	pp	pp	PROPN
fsr-3479	438	17	.	.	PUNCT
fsr-3479	438	18	1799–1808	1799–1808	NUM
fsr-3479	438	19	)	)	PUNCT
fsr-3479	438	20	.	.	PUNCT
fsr-3479	439	1	new	new	PROPN
fsr-3479	439	2	york	york	PROPN
fsr-3479	439	3	,	,	PUNCT
fsr-3479	439	4	ny	ny	PROPN
fsr-3479	439	5	:	:	PUNCT
fsr-3479	439	6	association	association	NOUN
fsr-3479	439	7	for	for	ADP
fsr-3479	439	8	computing	compute	VERB
fsr-3479	439	9	machinery	machinery	NOUN
fsr-3479	439	10	.	.	PUNCT
fsr-3479	440	1	https://doi.org/10.1145/1518701.1518979	https://doi.org/10.1145/1518701.1518979	PROPN
fsr-3479	440	2	karabulut	karabulut	PROPN
fsr-3479	440	3	,	,	PUNCT
fsr-3479	440	4	y.	y.	PROPN
fsr-3479	440	5	(	(	PUNCT
fsr-3479	440	6	2013	2013	NUM
fsr-3479	440	7	)	)	PUNCT
fsr-3479	440	8	.	.	PUNCT
fsr-3479	441	1	financial	financial	ADJ
fsr-3479	441	2	advice	advice	NOUN
fsr-3479	441	3	:	:	PUNCT
fsr-3479	441	4	an	an	DET
fsr-3479	441	5	improvement	improvement	NOUN
fsr-3479	441	6	for	for	ADP
fsr-3479	441	7	worse	bad	ADJ
fsr-3479	441	8	?	?	PUNCT
fsr-3479	442	1	available	available	ADJ
fsr-3479	442	2	at	at	ADP
fsr-3479	442	3	https://ssrn.com/abstract=	https://ssrn.com/abstract=	PROPN
fsr-3479	442	4	1710634	1710634	PROPN
fsr-3479	442	5	kenton	kenton	PROPN
fsr-3479	442	6	,	,	PUNCT
fsr-3479	442	7	w.	w.	PROPN
fsr-3479	442	8	(	(	PUNCT
fsr-3479	442	9	2018	2018	NUM
fsr-3479	442	10	)	)	PUNCT
fsr-3479	442	11	.	.	PUNCT
fsr-3479	443	1	turnkey	turnkey	NOUN
fsr-3479	443	2	asset	asset	NOUN
fsr-3479	443	3	management	management	NOUN
fsr-3479	443	4	program	program	NOUN
fsr-3479	443	5	(	(	PUNCT
fsr-3479	443	6	tamp	tamp	NOUN
fsr-3479	443	7	)	)	PUNCT
fsr-3479	443	8	.	.	PUNCT
fsr-3479	444	1	available	available	ADJ
fsr-3479	444	2	at	at	ADP
fsr-3479	444	3	https://www.investopedia.com/	https://www.investopedia.com/	ADJ
fsr-3479	444	4	terms	term	NOUN
fsr-3479	444	5	/	/	SYM
fsr-3479	444	6	t	t	NOUN
fsr-3479	444	7	/	/	SYM
fsr-3479	444	8	turnkey	turnkey	NOUN
fsr-3479	444	9	-	-	PUNCT
fsr-3479	444	10	asset	asset	NOUN
fsr-3479	444	11	-	-	PUNCT
fsr-3479	444	12	management	management	NOUN
fsr-3479	444	13	-	-	PUNCT
fsr-3479	444	14	program	program	NOUN
fsr-3479	444	15	-	-	PUNCT
fsr-3479	444	16	tamp.asp	tamp.asp	NOUN
fsr-3479	444	17	kinniry	kinniry	NOUN
fsr-3479	444	18	,	,	PUNCT
fsr-3479	444	19	f.	f.	PROPN
fsr-3479	444	20	m.	m.	PROPN
fsr-3479	444	21	,	,	PUNCT
fsr-3479	444	22	jr	jr	PROPN
fsr-3479	444	23	.	.	PROPN
fsr-3479	444	24	,	,	PUNCT
fsr-3479	444	25	jaconetti	jaconetti	PROPN
fsr-3479	444	26	,	,	PUNCT
fsr-3479	444	27	c.	c.	PROPN
fsr-3479	444	28	m.	m.	NOUN
fsr-3479	444	29	,	,	PUNCT
fsr-3479	444	30	dijoseph	dijoseph	NOUN
fsr-3479	444	31	,	,	PUNCT
fsr-3479	444	32	m.	m.	NOUN
fsr-3479	444	33	a.	a.	PROPN
fsr-3479	444	34	,	,	PUNCT
fsr-3479	444	35	zilbering	zilbering	PROPN
fsr-3479	444	36	,	,	PUNCT
fsr-3479	444	37	y.	y.	PROPN
fsr-3479	444	38	,	,	PUNCT
fsr-3479	444	39	&	&	CCONJ
fsr-3479	444	40	bennyhoff	bennyhoff	PROPN
fsr-3479	444	41	,	,	PUNCT
fsr-3479	444	42	d.	d.	PROPN
fsr-3479	444	43	g.	g.	PROPN
fsr-3479	444	44	(	(	PUNCT
fsr-3479	444	45	2016	2016	NUM
fsr-3479	444	46	)	)	PUNCT
fsr-3479	444	47	.	.	PUNCT
fsr-3479	445	1	putting	put	VERB
fsr-3479	445	2	a	a	DET
fsr-3479	445	3	value	value	NOUN
fsr-3479	445	4	on	on	ADP
fsr-3479	445	5	your	your	PRON
fsr-3479	445	6	value	value	NOUN
fsr-3479	445	7	:	:	PUNCT
fsr-3479	445	8	quantifying	quantify	VERB
fsr-3479	445	9	vanguard	vanguard	PROPN
fsr-3479	445	10	advisor	advisor	PROPN
fsr-3479	445	11	’s	’s	PART
fsr-3479	445	12	alpha	alpha	PROPN
fsr-3479	445	13	.	.	PUNCT
fsr-3479	446	1	vanguard	vanguard	PROPN
fsr-3479	446	2	research	research	PROPN
fsr-3479	446	3	.	.	PUNCT
fsr-3479	447	1	available	available	ADJ
fsr-3479	447	2	at	at	ADP
fsr-3479	447	3	https://advisors	https://advisor	NOUN
fsr-3479	447	4	.	.	PUNCT
fsr-3479	448	1	vanguard.com/iwe/pdf/isgqvaa.pdf?cbdforcedomain=true	vanguard.com/iwe/pdf/isgqvaa.pdf?cbdforcedomain=true	PROPN
fsr-3479	448	2	leppink	leppink	PROPN
fsr-3479	448	3	,	,	PUNCT
fsr-3479	448	4	j.	j.	PROPN
fsr-3479	448	5	,	,	PUNCT
fsr-3479	448	6	van	van	PROPN
fsr-3479	448	7	gog	gog	PROPN
fsr-3479	448	8	,	,	PUNCT
fsr-3479	448	9	t.	t.	PROPN
fsr-3479	448	10	,	,	PUNCT
fsr-3479	448	11	paas	paas	NOUN
fsr-3479	448	12	,	,	PUNCT
fsr-3479	448	13	f.	f.	PROPN
fsr-3479	448	14	,	,	PUNCT
fsr-3479	448	15	&	&	CCONJ
fsr-3479	448	16	sweller	sweller	PROPN
fsr-3479	448	17	,	,	PUNCT
fsr-3479	448	18	j.	j.	PROPN
fsr-3479	448	19	(	(	PUNCT
fsr-3479	448	20	2015	2015	NUM
fsr-3479	448	21	)	)	PUNCT
fsr-3479	448	22	.	.	PUNCT
fsr-3479	449	1	cognitive	cognitive	ADJ
fsr-3479	449	2	load	load	NOUN
fsr-3479	449	3	theory	theory	NOUN
fsr-3479	449	4	:	:	PUNCT
fsr-3479	449	5	researching	research	VERB
fsr-3479	449	6	and	and	CCONJ
fsr-3479	449	7	planning	planning	NOUN
fsr-3479	449	8	teaching	teaching	NOUN
fsr-3479	449	9	to	to	PART
fsr-3479	449	10	maximize	maximize	VERB
fsr-3479	449	11	learning	learning	NOUN
fsr-3479	449	12	.	.	PUNCT
fsr-3479	450	1	in	in	ADP
fsr-3479	450	2	j.	j.	PROPN
fsr-3479	450	3	cleland	cleland	PROPN
fsr-3479	450	4	&	&	CCONJ
fsr-3479	450	5	s.j	s.j	PROPN
fsr-3479	450	6	.	.	PROPN
fsr-3479	450	7	durning	durning	PROPN
fsr-3479	450	8	(	(	PUNCT
fsr-3479	450	9	eds	ed	NOUN
fsr-3479	450	10	.	.	PUNCT
fsr-3479	450	11	)	)	PUNCT
fsr-3479	450	12	,	,	PUNCT
fsr-3479	450	13	researching	research	VERB
fsr-3479	450	14	medical	medical	ADJ
fsr-3479	450	15	education	education	NOUN
fsr-3479	450	16	(	(	PUNCT
fsr-3479	450	17	pp	pp	ADJ
fsr-3479	450	18	.	.	PUNCT
fsr-3479	450	19	207	207	NUM
fsr-3479	450	20	–	–	PUNCT
fsr-3479	450	21	218	218	NUM
fsr-3479	450	22	)	)	PUNCT
fsr-3479	450	23	.	.	PUNCT
fsr-3479	451	1	hoboken	hoboken	PROPN
fsr-3479	451	2	,	,	PUNCT
fsr-3479	451	3	nj	nj	PROPN
fsr-3479	451	4	:	:	PUNCT
fsr-3479	451	5	john	john	PROPN
fsr-3479	451	6	wiley	wiley	PROPN
fsr-3479	451	7	&	&	CCONJ
fsr-3479	451	8	sons	son	NOUN
fsr-3479	451	9	malkiel	malkiel	PROPN
fsr-3479	451	10	,	,	PUNCT
fsr-3479	451	11	b.	b.	PROPN
fsr-3479	451	12	g.	g.	PROPN
fsr-3479	451	13	(	(	PUNCT
fsr-3479	451	14	1995	1995	NUM
fsr-3479	451	15	)	)	PUNCT
fsr-3479	451	16	.	.	PUNCT
fsr-3479	452	1	returns	return	NOUN
fsr-3479	452	2	from	from	ADP
fsr-3479	452	3	investing	invest	VERB
fsr-3479	452	4	in	in	ADP
fsr-3479	452	5	equity	equity	NOUN
fsr-3479	452	6	mutual	mutual	ADJ
fsr-3479	452	7	funds	fund	NOUN
fsr-3479	452	8	1971	1971	NUM
fsr-3479	452	9	-	-	SYM
fsr-3479	452	10	1991	1991	NUM
fsr-3479	452	11	.	.	PUNCT
fsr-3479	453	1	the	the	DET
fsr-3479	453	2	journal	journal	NOUN
fsr-3479	453	3	of	of	ADP
fsr-3479	453	4	finance	finance	NOUN
fsr-3479	453	5	,	,	PUNCT
fsr-3479	453	6	50	50	NUM
fsr-3479	453	7	,	,	PUNCT
fsr-3479	453	8	549–572	549–572	NUM
fsr-3479	453	9	.	.	PUNCT
fsr-3479	454	1	https://doi.org/10.1111/j.1540-6261.1995.tb04795.x	https://doi.org/10.1111/j.1540-6261.1995.tb04795.x	PROPN
fsr-3479	454	2	markowitz	markowitz	PROPN
fsr-3479	454	3	,	,	PUNCT
fsr-3479	454	4	h.	h.	PROPN
fsr-3479	454	5	m.	m.	PROPN
fsr-3479	454	6	(	(	PUNCT
fsr-3479	454	7	1952	1952	NUM
fsr-3479	454	8	)	)	PUNCT
fsr-3479	454	9	.	.	PUNCT
fsr-3479	455	1	portfolio	portfolio	NOUN
fsr-3479	455	2	selection	selection	NOUN
fsr-3479	455	3	.	.	PUNCT
fsr-3479	456	1	the	the	DET
fsr-3479	456	2	journal	journal	PROPN
fsr-3479	456	3	of	of	ADP
fsr-3479	456	4	finance	finance	NOUN
fsr-3479	456	5	,	,	PUNCT
fsr-3479	456	6	7	7	NUM
fsr-3479	456	7	,	,	PUNCT
fsr-3479	456	8	77–91	77–91	NUM
fsr-3479	456	9	.	.	PUNCT
fsr-3479	457	1	https://doi.org/10.2307/	https://doi.org/10.2307/	PROPN
fsr-3479	457	2	2975974	2975974	NUM
fsr-3479	457	3	paas	paas	NOUN
fsr-3479	457	4	,	,	PUNCT
fsr-3479	457	5	f.	f.	PROPN
fsr-3479	457	6	,	,	PUNCT
fsr-3479	457	7	renkl	renkl	ADJ
fsr-3479	457	8	,	,	PUNCT
fsr-3479	457	9	a.	a.	NOUN
fsr-3479	457	10	,	,	PUNCT
fsr-3479	457	11	&	&	CCONJ
fsr-3479	457	12	sweller	sweller	PROPN
fsr-3479	457	13	,	,	PUNCT
fsr-3479	457	14	j.	j.	PROPN
fsr-3479	457	15	(	(	PUNCT
fsr-3479	457	16	2003	2003	NUM
fsr-3479	457	17	)	)	PUNCT
fsr-3479	457	18	.	.	PUNCT
fsr-3479	458	1	cognitive	cognitive	ADJ
fsr-3479	458	2	load	load	NOUN
fsr-3479	458	3	theory	theory	NOUN
fsr-3479	458	4	and	and	CCONJ
fsr-3479	458	5	instructional	instructional	ADJ
fsr-3479	458	6	design	design	NOUN
fsr-3479	458	7	:	:	PUNCT
fsr-3479	458	8	recent	recent	ADJ
fsr-3479	458	9	developments	development	NOUN
fsr-3479	458	10	.	.	PUNCT
fsr-3479	459	1	educational	educational	ADJ
fsr-3479	459	2	psychologist	psychologist	NOUN
fsr-3479	459	3	,	,	PUNCT
fsr-3479	459	4	38	38	NUM
fsr-3479	459	5	,	,	PUNCT
fsr-3479	459	6	1–4	1–4	PROPN
fsr-3479	459	7	.	.	PUNCT
fsr-3479	460	1	https://doi.org/10.1207/s15326985ep3801_1	https://doi.org/10.1207/s15326985ep3801_1	PROPN
fsr-3479	460	2	reuter	reuter	PROPN
fsr-3479	460	3	,	,	PUNCT
fsr-3479	460	4	j.	j.	PROPN
fsr-3479	460	5	(	(	PUNCT
fsr-3479	460	6	2015	2015	NUM
fsr-3479	460	7	)	)	PUNCT
fsr-3479	460	8	.	.	PUNCT
fsr-3479	461	1	revisiting	revisit	VERB
fsr-3479	461	2	the	the	DET
fsr-3479	461	3	performance	performance	NOUN
fsr-3479	461	4	of	of	ADP
fsr-3479	461	5	broker	broker	NOUN
fsr-3479	461	6	-	-	PUNCT
fsr-3479	461	7	sold	sell	VERB
fsr-3479	461	8	mutual	mutual	ADJ
fsr-3479	461	9	funds	fund	NOUN
fsr-3479	461	10	.	.	PUNCT
fsr-3479	462	1	available	available	ADJ
fsr-3479	462	2	at	at	ADP
fsr-3479	462	3	https://ssrn.com/	https://ssrn.com/	PROPN
fsr-3479	462	4	anstract=2685375	anstract=2685375	ADJ
fsr-3479	462	5	shugan	shugan	NOUN
fsr-3479	462	6	,	,	PUNCT
fsr-3479	462	7	s.	s.	PROPN
fsr-3479	462	8	m.	m.	PROPN
fsr-3479	462	9	(	(	PUNCT
fsr-3479	462	10	1980	1980	NUM
fsr-3479	462	11	)	)	PUNCT
fsr-3479	462	12	.	.	PUNCT
fsr-3479	463	1	the	the	DET
fsr-3479	463	2	cost	cost	NOUN
fsr-3479	463	3	of	of	ADP
fsr-3479	463	4	thinking	thinking	NOUN
fsr-3479	463	5	.	.	PUNCT
fsr-3479	464	1	journal	journal	PROPN
fsr-3479	464	2	of	of	ADP
fsr-3479	464	3	consumer	consumer	NOUN
fsr-3479	464	4	research	research	NOUN
fsr-3479	464	5	,	,	PUNCT
fsr-3479	464	6	7	7	NUM
fsr-3479	464	7	,	,	PUNCT
fsr-3479	464	8	99–111	99–111	PROPN
fsr-3479	464	9	.	.	PUNCT
fsr-3479	465	1	https://doi.org/10.1086/	https://doi.org/10.1086/	PROPN
fsr-3479	465	2	208799	208799	NUM
fsr-3479	465	3	sweller	sweller	NOUN
fsr-3479	465	4	,	,	PUNCT
fsr-3479	465	5	j.	j.	PROPN
fsr-3479	465	6	(	(	PUNCT
fsr-3479	465	7	1988	1988	NUM
fsr-3479	465	8	)	)	PUNCT
fsr-3479	465	9	.	.	PUNCT
fsr-3479	466	1	cognitive	cognitive	ADJ
fsr-3479	466	2	load	load	NOUN
fsr-3479	466	3	during	during	ADP
fsr-3479	466	4	problem	problem	NOUN
fsr-3479	466	5	solving	solve	VERB
fsr-3479	466	6	:	:	PUNCT
fsr-3479	466	7	effects	effect	NOUN
fsr-3479	466	8	on	on	ADP
fsr-3479	466	9	learning	learn	VERB
fsr-3479	466	10	.	.	PUNCT
fsr-3479	467	1	cognitive	cognitive	ADJ
fsr-3479	467	2	science	science	NOUN
fsr-3479	467	3	,	,	PUNCT
fsr-3479	467	4	12	12	NUM
fsr-3479	467	5	,	,	PUNCT
fsr-3479	467	6	257–285	257–285	NUM
fsr-3479	467	7	.	.	PUNCT
fsr-3479	468	1	https://doi.org/10.1207/s15516709cog1202_4	https://doi.org/10.1207/s15516709cog1202_4	PROPN
fsr-3479	468	2	sweller	sweller	PROPN
fsr-3479	468	3	,	,	PUNCT
fsr-3479	468	4	j.	j.	PROPN
fsr-3479	468	5	,	,	PUNCT
fsr-3479	468	6	van	van	PROPN
fsr-3479	468	7	merrienboer	merrienboer	PROPN
fsr-3479	468	8	,	,	PUNCT
fsr-3479	468	9	j.	j.	PROPN
fsr-3479	468	10	j.	j.	PROPN
fsr-3479	468	11	g.	g.	PROPN
fsr-3479	468	12	,	,	PUNCT
fsr-3479	468	13	&	&	CCONJ
fsr-3479	468	14	paas	paas	PROPN
fsr-3479	468	15	,	,	PUNCT
fsr-3479	468	16	f.	f.	PROPN
fsr-3479	468	17	(	(	PUNCT
fsr-3479	468	18	1998	1998	NUM
fsr-3479	468	19	)	)	PUNCT
fsr-3479	468	20	.	.	PUNCT
fsr-3479	469	1	cognitive	cognitive	ADJ
fsr-3479	469	2	architecture	architecture	NOUN
fsr-3479	469	3	and	and	CCONJ
fsr-3479	469	4	instructional	instructional	ADJ
fsr-3479	469	5	design	design	NOUN
fsr-3479	469	6	.	.	PUNCT
fsr-3479	470	1	educational	educational	ADJ
fsr-3479	470	2	psychology	psychology	NOUN
fsr-3479	470	3	review	review	NOUN
fsr-3479	470	4	,	,	PUNCT
fsr-3479	470	5	10	10	NUM
fsr-3479	470	6	,	,	PUNCT
fsr-3479	470	7	251–296	251–296	NUM
fsr-3479	470	8	.	.	PUNCT
fsr-3479	470	9	https://doi.org/10.1023/a:1022193728205	https://doi.org/10.1023/a:1022193728205	NOUN
fsr-3479	470	10	warshcuer	warshcuer	NOUN
fsr-3479	470	11	,	,	PUNCT
fsr-3479	470	12	t.	t.	PROPN
fsr-3479	470	13	,	,	PUNCT
fsr-3479	470	14	&	&	CCONJ
fsr-3479	470	15	sciglimpaglia	sciglimpaglia	PROPN
fsr-3479	470	16	,	,	PUNCT
fsr-3479	470	17	d.	d.	PROPN
fsr-3479	470	18	(	(	PUNCT
fsr-3479	470	19	2012	2012	NUM
fsr-3479	470	20	)	)	PUNCT
fsr-3479	470	21	.	.	PUNCT
fsr-3479	471	1	the	the	DET
fsr-3479	471	2	economic	economic	ADJ
fsr-3479	471	3	benefits	benefit	NOUN
fsr-3479	471	4	of	of	ADP
fsr-3479	471	5	personal	personal	ADJ
fsr-3479	471	6	financial	financial	ADJ
fsr-3479	471	7	planning	planning	NOUN
fsr-3479	471	8	:	:	PUNCT
fsr-3479	471	9	an	an	DET
fsr-3479	471	10	empirical	empirical	ADJ
fsr-3479	471	11	analysis	analysis	NOUN
fsr-3479	471	12	.	.	PUNCT
fsr-3479	472	1	financial	financial	ADJ
fsr-3479	472	2	services	service	NOUN
fsr-3479	472	3	review	review	PROPN
fsr-3479	472	4	,	,	PUNCT
fsr-3479	472	5	21	21	NUM
fsr-3479	472	6	,	,	PUNCT
fsr-3479	472	7	195–208	195–208	NUM
fsr-3479	472	8	.	.	NOUN
fsr-3479	472	9	164	164	NUM
fsr-3479	472	10	j.	j.	PROPN
fsr-3479	472	11	e.	e.	PROPN
fsr-3479	472	12	heller	heller	PROPN
fsr-3479	472	13	et	et	PROPN
fsr-3479	472	14	al	al	PROPN
fsr-3479	472	15	.	.	PUNCT
fsr-3479	472	16	/	/	SYM
fsr-3479	472	17	financial	financial	ADJ
fsr-3479	472	18	services	service	NOUN
fsr-3479	472	19	review	review	VERB
fsr-3479	472	20	30	30	NUM
fsr-3479	472	21	(	(	PUNCT
fsr-3479	472	22	2022	2022	NUM
fsr-3479	472	23	)	)	PUNCT
fsr-3479	472	24	145–164	145–164	NUM