id	sid	tid	token	lemma	pos
fsr-3480	1	1	ce	ce	PROPN
fsr-3480	1	2	1	1	NUM
fsr-3480	1	3	-	-	PUNCT
fsr-3480	1	4	hour	hour	NOUN
fsr-3480	1	5	general	general	ADJ
fsr-3480	1	6	principles	principle	NOUN
fsr-3480	1	7	of	of	ADP
fsr-3480	1	8	financial	financial	ADJ
fsr-3480	1	9	planning	planning	NOUN
fsr-3480	1	10	,	,	PUNCT
fsr-3480	1	11	risk	risk	NOUN
fsr-3480	1	12	and	and	CCONJ
fsr-3480	1	13	insurance	insurance	NOUN
fsr-3480	1	14	planning	planning	NOUN
fsr-3480	1	15	,	,	PUNCT
fsr-3480	1	16	and	and	CCONJ
fsr-3480	1	17	estate	estate	NOUN
fsr-3480	1	18	planning	planning	NOUN
fsr-3480	1	19	afs	afs	NOUN
fsr-3480	1	20	and	and	CCONJ
fsr-3480	1	21	fpa	fpa	PROPN
fsr-3480	1	22	members	member	NOUN
fsr-3480	1	23	can	can	AUX
fsr-3480	1	24	earn	earn	VERB
fsr-3480	1	25	ce	ce	PROPN
fsr-3480	1	26	credits	credit	NOUN
fsr-3480	1	27	through	through	ADP
fsr-3480	1	28	financial	financial	ADJ
fsr-3480	1	29	services	service	NOUN
fsr-3480	1	30	review	review	NOUN
fsr-3480	1	31	.	.	PUNCT
fsr-3480	2	1	go	go	VERB
fsr-3480	2	2	to	to	ADP
fsr-3480	2	3	fpajournal.org	fpajournal.org	PROPN
fsr-3480	2	4	.	.	PUNCT
fsr-3480	3	1	to	to	PART
fsr-3480	3	2	receive	receive	VERB
fsr-3480	3	3	one	one	NUM
fsr-3480	3	4	hour	hour	NOUN
fsr-3480	3	5	of	of	ADP
fsr-3480	3	6	continuing	continue	VERB
fsr-3480	3	7	education	education	NOUN
fsr-3480	3	8	credit	credit	NOUN
fsr-3480	3	9	allotted	allot	VERB
fsr-3480	3	10	for	for	ADP
fsr-3480	3	11	this	this	DET
fsr-3480	3	12	exam	exam	NOUN
fsr-3480	3	13	,	,	PUNCT
fsr-3480	3	14	you	you	PRON
fsr-3480	3	15	must	must	AUX
fsr-3480	3	16	answer	answer	VERB
fsr-3480	3	17	four	four	NUM
fsr-3480	3	18	out	out	ADP
fsr-3480	3	19	of	of	ADP
fsr-3480	3	20	five	five	NUM
fsr-3480	3	21	questions	question	NOUN
fsr-3480	3	22	correctly	correctly	ADV
fsr-3480	3	23	.	.	PUNCT
fsr-3480	4	1	ce	ce	PROPN
fsr-3480	4	2	credit	credit	NOUN
fsr-3480	4	3	for	for	ADP
fsr-3480	4	4	this	this	DET
fsr-3480	4	5	issue	issue	NOUN
fsr-3480	4	6	of	of	ADP
fsr-3480	4	7	financial	financial	ADJ
fsr-3480	4	8	services	service	NOUN
fsr-3480	4	9	review	review	NOUN
fsr-3480	4	10	expires	expire	VERB
fsr-3480	4	11	december	december	PROPN
fsr-3480	4	12	31	31	NUM
fsr-3480	4	13	,	,	PUNCT
fsr-3480	4	14	2023	2023	NUM
fsr-3480	4	15	,	,	PUNCT
fsr-3480	4	16	subject	subject	ADJ
fsr-3480	4	17	to	to	ADP
fsr-3480	4	18	any	any	DET
fsr-3480	4	19	changes	change	NOUN
fsr-3480	4	20	dictated	dictate	VERB
fsr-3480	4	21	by	by	ADP
fsr-3480	4	22	cfp	cfp	PROPN
fsr-3480	4	23	board	board	PROPN
fsr-3480	4	24	.	.	PUNCT
fsr-3480	5	1	afs	afs	PROPN
fsr-3480	5	2	and	and	CCONJ
fsr-3480	5	3	fpa	fpa	PROPN
fsr-3480	5	4	offer	offer	VERB
fsr-3480	5	5	financial	financial	ADJ
fsr-3480	5	6	services	services	PROPN
fsr-3480	5	7	review	review	PROPN
fsr-3480	5	8	ce	ce	PROPN
fsr-3480	5	9	online	online	PROPN
fsr-3480	5	10	-	-	PUNCT
fsr-3480	5	11	only	only	ADV
fsr-3480	5	12	—	—	PUNCT
fsr-3480	5	13	paper	paper	NOUN
fsr-3480	5	14	continuing	continue	VERB
fsr-3480	5	15	education	education	NOUN
fsr-3480	5	16	will	will	AUX
fsr-3480	5	17	not	not	PART
fsr-3480	5	18	be	be	AUX
fsr-3480	5	19	processed	process	VERB
fsr-3480	5	20	.	.	PUNCT
fsr-3480	6	1	go	go	VERB
fsr-3480	6	2	to	to	ADP
fsr-3480	6	3	fpajournal.org	fpajournal.org	ADJ
fsr-3480	6	4	to	to	PART
fsr-3480	6	5	take	take	VERB
fsr-3480	6	6	current	current	ADJ
fsr-3480	6	7	and	and	CCONJ
fsr-3480	6	8	past	past	ADJ
fsr-3480	6	9	ce	ce	PROPN
fsr-3480	6	10	exams	exam	NOUN
fsr-3480	6	11	(	(	PUNCT
fsr-3480	6	12	free	free	ADJ
fsr-3480	6	13	to	to	PART
fsr-3480	6	14	afs	afs	NOUN
fsr-3480	6	15	and	and	CCONJ
fsr-3480	6	16	fpa	fpa	NOUN
fsr-3480	6	17	members	member	NOUN
fsr-3480	6	18	)	)	PUNCT
fsr-3480	6	19	.	.	PUNCT
fsr-3480	7	1	you	you	PRON
fsr-3480	7	2	may	may	AUX
fsr-3480	7	3	use	use	VERB
fsr-3480	7	4	this	this	DET
fsr-3480	7	5	page	page	NOUN
fsr-3480	7	6	for	for	ADP
fsr-3480	7	7	reference	reference	NOUN
fsr-3480	7	8	.	.	PUNCT
fsr-3480	8	1	please	please	AUX
fsr-3480	8	2	allow	allow	VERB
fsr-3480	8	3	2	2	NUM
fsr-3480	8	4	-	-	SYM
fsr-3480	8	5	3	3	NUM
fsr-3480	8	6	weeks	week	NOUN
fsr-3480	8	7	for	for	SCONJ
fsr-3480	8	8	credit	credit	NOUN
fsr-3480	8	9	to	to	PART
fsr-3480	8	10	be	be	AUX
fsr-3480	8	11	processed	process	VERB
fsr-3480	8	12	and	and	CCONJ
fsr-3480	8	13	reported	report	VERB
fsr-3480	8	14	to	to	ADP
fsr-3480	8	15	cfp	cfp	PROPN
fsr-3480	8	16	board	board	PROPN
fsr-3480	8	17	.	.	PUNCT
fsr-3480	9	1	1	1	X
fsr-3480	9	2	.	.	X
fsr-3480	10	1	in	in	ADP
fsr-3480	10	2	ricaldi	ricaldi	PROPN
fsr-3480	10	3	,	,	PUNCT
fsr-3480	10	4	martin	martin	PROPN
fsr-3480	10	5	,	,	PUNCT
fsr-3480	10	6	and	and	CCONJ
fsr-3480	10	7	huston	huston	PROPN
fsr-3480	10	8	,	,	PUNCT
fsr-3480	10	9	the	the	DET
fsr-3480	10	10	household	household	NOUN
fsr-3480	10	11	that	that	PRON
fsr-3480	10	12	has	have	VERB
fsr-3480	10	13	enough	enough	ADJ
fsr-3480	10	14	money	money	NOUN
fsr-3480	10	15	to	to	PART
fsr-3480	10	16	pay	pay	VERB
fsr-3480	10	17	off	off	ADP
fsr-3480	10	18	the	the	DET
fsr-3480	10	19	credit	credit	NOUN
fsr-3480	10	20	card	card	NOUN
fsr-3480	10	21	balance	balance	NOUN
fsr-3480	10	22	but	but	CCONJ
fsr-3480	10	23	chooses	choose	VERB
fsr-3480	10	24	not	not	PART
fsr-3480	10	25	to	to	PART
fsr-3480	10	26	is	be	AUX
fsr-3480	10	27	called	call	VERB
fsr-3480	10	28	:	:	PUNCT
fsr-3480	10	29	a.	a.	NOUN
fsr-3480	10	30	a	a	DET
fsr-3480	10	31	solvent	solvent	ADJ
fsr-3480	10	32	revolving	revolving	NOUN
fsr-3480	10	33	user	user	NOUN
fsr-3480	10	34	b.	b.	PROPN
fsr-3480	10	35	a	a	DET
fsr-3480	10	36	convenience	convenience	NOUN
fsr-3480	10	37	user	user	NOUN
fsr-3480	10	38	c.	c.	PROPN
fsr-3480	10	39	a	a	DET
fsr-3480	10	40	revolving	revolve	VERB
fsr-3480	10	41	user	user	NOUN
fsr-3480	10	42	d.	d.	PROPN
fsr-3480	10	43	an	an	DET
fsr-3480	10	44	insolvent	insolvent	ADJ
fsr-3480	10	45	revolving	revolve	VERB
fsr-3480	10	46	user	user	NOUN
fsr-3480	10	47	2	2	NUM
fsr-3480	10	48	.	.	PUNCT
fsr-3480	11	1	in	in	ADP
fsr-3480	11	2	“	"	PUNCT
fsr-3480	11	3	financial	financial	ADJ
fsr-3480	11	4	literacy	literacy	NOUN
fsr-3480	11	5	and	and	CCONJ
fsr-3480	11	6	its	its	PRON
fsr-3480	11	7	impact	impact	NOUN
fsr-3480	11	8	on	on	ADP
fsr-3480	11	9	the	the	DET
fsr-3480	11	10	credit	credit	NOUN
fsr-3480	11	11	card	card	NOUN
fsr-3480	11	12	debt	debt	NOUN
fsr-3480	11	13	puzzle	puzzle	NOUN
fsr-3480	11	14	”	"	PUNCT
fsr-3480	11	15	by	by	ADP
fsr-3480	11	16	ricaldi	ricaldi	NOUN
fsr-3480	11	17	,	,	PUNCT
fsr-3480	11	18	martin	martin	PROPN
fsr-3480	11	19	and	and	CCONJ
fsr-3480	11	20	huston	huston	PROPN
fsr-3480	11	21	,	,	PUNCT
fsr-3480	11	22	to	to	PART
fsr-3480	11	23	control	control	VERB
fsr-3480	11	24	the	the	DET
fsr-3480	11	25	“	"	PUNCT
fsr-3480	11	26	doer	doer	NOUN
fsr-3480	11	27	”	"	PUNCT
fsr-3480	11	28	in	in	ADP
fsr-3480	11	29	a	a	DET
fsr-3480	11	30	household	household	NOUN
fsr-3480	11	31	,	,	PUNCT
fsr-3480	11	32	the	the	DET
fsr-3480	11	33	“	"	PUNCT
fsr-3480	11	34	planner	planner	NOUN
fsr-3480	11	35	”	"	PUNCT
fsr-3480	11	36	will	will	AUX
fsr-3480	11	37	…	…	PUNCT
fsr-3480	11	38	a.	a.	NOUN
fsr-3480	11	39	impose	impose	VERB
fsr-3480	11	40	a	a	DET
fsr-3480	11	41	spending	spending	NOUN
fsr-3480	11	42	limit	limit	NOUN
fsr-3480	11	43	on	on	ADP
fsr-3480	11	44	the	the	DET
fsr-3480	11	45	credit	credit	NOUN
fsr-3480	11	46	card	card	NOUN
fsr-3480	11	47	b.	b.	PROPN
fsr-3480	11	48	pay	pay	VERB
fsr-3480	11	49	off	off	ADP
fsr-3480	11	50	all	all	DET
fsr-3480	11	51	credit	credit	NOUN
fsr-3480	11	52	card	card	NOUN
fsr-3480	11	53	balances	balance	NOUN
fsr-3480	11	54	each	each	DET
fsr-3480	11	55	month	month	NOUN
fsr-3480	11	56	.	.	PUNCT
fsr-3480	12	1	c.	c.	NOUN
fsr-3480	12	2	the	the	DET
fsr-3480	12	3	“	"	PUNCT
fsr-3480	12	4	planner	planner	NOUN
fsr-3480	12	5	”	"	PUNCT
fsr-3480	12	6	can	can	AUX
fsr-3480	12	7	not	not	PART
fsr-3480	12	8	control	control	VERB
fsr-3480	12	9	the	the	DET
fsr-3480	12	10	“	"	PUNCT
fsr-3480	12	11	doer	doer	NOUN
fsr-3480	12	12	”	"	PUNCT
fsr-3480	12	13	.	.	PUNCT
fsr-3480	13	1	d.	d.	PROPN
fsr-3480	13	2	create	create	VERB
fsr-3480	13	3	mental	mental	ADJ
fsr-3480	13	4	accounts	account	NOUN
fsr-3480	13	5	to	to	PART
fsr-3480	13	6	reduce	reduce	VERB
fsr-3480	13	7	the	the	DET
fsr-3480	13	8	temptation	temptation	NOUN
fsr-3480	13	9	to	to	PART
fsr-3480	13	10	spend	spend	VERB
fsr-3480	13	11	.	.	PUNCT
fsr-3480	14	1	3	3	X
fsr-3480	14	2	.	.	X
fsr-3480	14	3	when	when	SCONJ
fsr-3480	14	4	comparing	compare	VERB
fsr-3480	14	5	convenience	convenience	NOUN
fsr-3480	14	6	users	user	NOUN
fsr-3480	14	7	to	to	ADP
fsr-3480	14	8	solvent	solvent	VERB
fsr-3480	14	9	revolvers	revolver	NOUN
fsr-3480	14	10	with	with	ADP
fsr-3480	14	11	the	the	DET
fsr-3480	14	12	highest	high	ADJ
fsr-3480	14	13	financial	financial	ADJ
fsr-3480	14	14	literacy	literacy	NOUN
fsr-3480	14	15	scores	score	NOUN
fsr-3480	14	16	,	,	PUNCT
fsr-3480	14	17	the	the	DET
fsr-3480	14	18	authors	author	NOUN
fsr-3480	14	19	find	find	VERB
fsr-3480	14	20	that	that	PRON
fsr-3480	14	21	:	:	PUNCT
fsr-3480	14	22	a.	a.	NOUN
fsr-3480	14	23	increases	increase	NOUN
fsr-3480	14	24	in	in	ADP
fsr-3480	14	25	income	income	NOUN
fsr-3480	14	26	and	and	CCONJ
fsr-3480	14	27	net	net	ADJ
fsr-3480	14	28	worth	worth	NOUN
fsr-3480	14	29	negatively	negatively	ADV
fsr-3480	14	30	impact	impact	VERB
fsr-3480	14	31	the	the	DET
fsr-3480	14	32	likelihood	likelihood	NOUN
fsr-3480	14	33	of	of	ADP
fsr-3480	14	34	being	be	AUX
fsr-3480	14	35	a	a	DET
fsr-3480	14	36	solvent	solvent	NOUN
fsr-3480	14	37	revolver	revolver	NOUN
fsr-3480	14	38	.	.	PUNCT
fsr-3480	15	1	b.	b.	PROPN
fsr-3480	15	2	income	income	PROPN
fsr-3480	15	3	and	and	CCONJ
fsr-3480	15	4	net	net	ADJ
fsr-3480	15	5	worth	worth	NOUN
fsr-3480	15	6	are	be	AUX
fsr-3480	15	7	not	not	PART
fsr-3480	15	8	statistically	statistically	ADV
fsr-3480	15	9	significant	significant	ADJ
fsr-3480	15	10	in	in	ADP
fsr-3480	15	11	the	the	DET
fsr-3480	15	12	likelihood	likelihood	NOUN
fsr-3480	15	13	of	of	ADP
fsr-3480	15	14	being	be	AUX
fsr-3480	15	15	a	a	DET
fsr-3480	15	16	solvent	solvent	NOUN
fsr-3480	15	17	revolver	revolver	NOUN
fsr-3480	15	18	.	.	PUNCT
fsr-3480	16	1	c.	c.	NOUN
fsr-3480	16	2	decreases	decrease	VERB
fsr-3480	16	3	in	in	ADP
fsr-3480	16	4	income	income	NOUN
fsr-3480	16	5	and	and	CCONJ
fsr-3480	16	6	net	net	ADJ
fsr-3480	16	7	worth	worth	NOUN
fsr-3480	16	8	negatively	negatively	ADV
fsr-3480	16	9	impact	impact	VERB
fsr-3480	16	10	the	the	DET
fsr-3480	16	11	likelihood	likelihood	NOUN
fsr-3480	16	12	of	of	ADP
fsr-3480	16	13	being	be	AUX
fsr-3480	16	14	a	a	DET
fsr-3480	16	15	solvent	solvent	NOUN
fsr-3480	16	16	revolver	revolver	NOUN
fsr-3480	16	17	.	.	PUNCT
fsr-3480	17	1	d.	d.	PROPN
fsr-3480	17	2	changes	change	VERB
fsr-3480	17	3	in	in	ADP
fsr-3480	17	4	income	income	NOUN
fsr-3480	17	5	and	and	CCONJ
fsr-3480	17	6	net	net	ADJ
fsr-3480	17	7	worth	worth	NOUN
fsr-3480	17	8	have	have	VERB
fsr-3480	17	9	different	different	ADJ
fsr-3480	17	10	impacts	impact	NOUN
fsr-3480	17	11	on	on	ADP
fsr-3480	17	12	the	the	DET
fsr-3480	17	13	likelihood	likelihood	NOUN
fsr-3480	17	14	of	of	ADP
fsr-3480	17	15	being	be	AUX
fsr-3480	17	16	a	a	DET
fsr-3480	17	17	solvent	solvent	NOUN
fsr-3480	17	18	revolver	revolver	NOUN
fsr-3480	17	19	.	.	PUNCT
fsr-3480	18	1	4	4	X
fsr-3480	18	2	.	.	X
fsr-3480	18	3	the	the	DET
fsr-3480	18	4	compensation	compensation	NOUN
fsr-3480	18	5	puzzle	puzzle	NOUN
fsr-3480	18	6	proposed	propose	VERB
fsr-3480	18	7	by	by	ADP
fsr-3480	18	8	heller	heller	PROPN
fsr-3480	18	9	,	,	PUNCT
fsr-3480	18	10	cummings	cummings	PROPN
fsr-3480	18	11	,	,	PUNCT
fsr-3480	18	12	and	and	CCONJ
fsr-3480	18	13	martin	martin	PROPN
fsr-3480	18	14	describes	describe	VERB
fsr-3480	18	15	a.	a.	NOUN
fsr-3480	18	16	the	the	DET
fsr-3480	18	17	process	process	NOUN
fsr-3480	18	18	rias	rias	AUX
fsr-3480	18	19	undertake	undertake	VERB
fsr-3480	18	20	when	when	SCONJ
fsr-3480	18	21	determining	determine	VERB
fsr-3480	18	22	how	how	SCONJ
fsr-3480	18	23	to	to	PART
fsr-3480	18	24	charge	charge	VERB
fsr-3480	18	25	clients	client	NOUN
fsr-3480	18	26	b.	b.	VERB
fsr-3480	18	27	the	the	DET
fsr-3480	18	28	additional	additional	ADJ
fsr-3480	18	29	process	process	NOUN
fsr-3480	18	30	ibds	ibds	NOUN
fsr-3480	18	31	face	face	NOUN
fsr-3480	18	32	in	in	ADP
fsr-3480	18	33	determining	determine	VERB
fsr-3480	18	34	a	a	DET
fsr-3480	18	35	client	client	NOUN
fsr-3480	18	36	’s	’s	PART
fsr-3480	18	37	mix	mix	NOUN
fsr-3480	18	38	of	of	ADP
fsr-3480	18	39	products	product	NOUN
fsr-3480	18	40	across	across	ADP
fsr-3480	18	41	different	different	ADJ
fsr-3480	18	42	compensation	compensation	NOUN
fsr-3480	18	43	programs	program	NOUN
fsr-3480	18	44	c.	c.	NOUN
fsr-3480	18	45	the	the	DET
fsr-3480	18	46	difficulty	difficulty	NOUN
fsr-3480	18	47	product	product	NOUN
fsr-3480	18	48	manufacturers	manufacturer	NOUN
fsr-3480	18	49	undergo	undergo	VERB
fsr-3480	18	50	when	when	SCONJ
fsr-3480	18	51	incorporating	incorporate	VERB
fsr-3480	18	52	advisor	advisor	NOUN
fsr-3480	18	53	compensation	compensation	NOUN
fsr-3480	18	54	in	in	ADP
fsr-3480	18	55	new	new	ADJ
fsr-3480	18	56	product	product	NOUN
fsr-3480	18	57	offerings	offering	NOUN
fsr-3480	18	58	d.	d.	VERB
fsr-3480	18	59	the	the	DET
fsr-3480	18	60	differences	difference	NOUN
fsr-3480	18	61	in	in	ADP
fsr-3480	18	62	fee	fee	NOUN
fsr-3480	18	63	structures	structure	NOUN
fsr-3480	18	64	for	for	ADP
fsr-3480	18	65	ibds	ibds	NOUN
fsr-3480	18	66	compared	compare	VERB
fsr-3480	18	67	to	to	ADP
fsr-3480	18	68	rias	rias	PROPN
fsr-3480	18	69	5	5	NUM
fsr-3480	18	70	.	.	PUNCT
fsr-3480	18	71	heller	heller	PROPN
fsr-3480	18	72	,	,	PUNCT
fsr-3480	18	73	cummings	cummings	PROPN
fsr-3480	18	74	,	,	PUNCT
fsr-3480	18	75	and	and	CCONJ
fsr-3480	18	76	martin	martin	PROPN
fsr-3480	18	77	found	find	VERB
fsr-3480	18	78	that	that	SCONJ
fsr-3480	18	79	advisors	advisor	NOUN
fsr-3480	18	80	at	at	ADP
fsr-3480	18	81	rias	ria	NOUN
fsr-3480	18	82	who	who	PRON
fsr-3480	18	83	focus	focus	VERB
fsr-3480	18	84	more	more	ADV
fsr-3480	18	85	on	on	ADP
fsr-3480	18	86	_	_	PUNCT
fsr-3480	19	1	_	_	PUNCT
fsr-3480	20	1	_	_	PUNCT
fsr-3480	21	1	_	_	PUNCT
fsr-3480	22	1	_	_	PRON
fsr-3480	22	2	portfolios	portfolio	NOUN
fsr-3480	22	3	are	be	AUX
fsr-3480	22	4	able	able	ADJ
fsr-3480	22	5	to	to	PART
fsr-3480	22	6	outperform	outperform	VERB
fsr-3480	22	7	their	their	PRON
fsr-3480	22	8	ibd	ibd	NOUN
fsr-3480	22	9	counterparts	counterpart	NOUN
fsr-3480	22	10	.	.	PUNCT
fsr-3480	23	1	a.	a.	PROPN
fsr-3480	23	2	fixed	fix	VERB
fsr-3480	23	3	income	income	PROPN
fsr-3480	23	4	b.	b.	PROPN
fsr-3480	23	5	equity	equity	PROPN
fsr-3480	23	6	-	-	PUNCT
fsr-3480	23	7	heavy	heavy	PROPN
fsr-3480	23	8	c.	c.	PROPN
fsr-3480	23	9	balanced	balanced	PROPN
fsr-3480	23	10	d.	d.	PROPN
fsr-3480	23	11	actively	actively	ADV
fsr-3480	23	12	-	-	PUNCT
fsr-3480	23	13	managed	manage	VERB
fsr-3480	23	14	manuscript	manuscript	NOUN
fsr-3480	23	15	submissions	submission	NOUN
fsr-3480	23	16	and	and	CCONJ
fsr-3480	23	17	style	style	NOUN
fsr-3480	23	18	(	(	PUNCT
fsr-3480	23	19	1	1	NUM
fsr-3480	23	20	)	)	PUNCT
fsr-3480	23	21	papers	paper	NOUN
fsr-3480	23	22	must	must	AUX
fsr-3480	23	23	be	be	AUX
fsr-3480	23	24	in	in	ADP
fsr-3480	23	25	english	english	PROPN
fsr-3480	23	26	.	.	PUNCT
fsr-3480	24	1	(	(	PUNCT
fsr-3480	24	2	2	2	X
fsr-3480	24	3	)	)	PUNCT
fsr-3480	24	4	papers	paper	NOUN
fsr-3480	24	5	for	for	ADP
fsr-3480	24	6	publication	publication	NOUN
fsr-3480	24	7	should	should	AUX
fsr-3480	24	8	be	be	AUX
fsr-3480	24	9	sent	send	VERB
fsr-3480	24	10	to	to	ADP
fsr-3480	24	11	the	the	DET
fsr-3480	24	12	editor	editor	NOUN
fsr-3480	24	13	:	:	PUNCT
fsr-3480	24	14	terrance	terrance	PROPN
fsr-3480	24	15	k.	k.	PROPN
fsr-3480	24	16	martin	martin	PROPN
fsr-3480	24	17	,	,	PUNCT
fsr-3480	24	18	e	e	NOUN
fsr-3480	24	19	-	-	NOUN
fsr-3480	24	20	mail	mail	NOUN
fsr-3480	24	21	:	:	PUNCT
fsr-3480	24	22	terrance.martin@uvu.edu	terrance.martin@uvu.edu	PROPN
fsr-3480	24	23	.	.	PUNCT
fsr-3480	24	24	electronic	electronic	ADJ
fsr-3480	24	25	(	(	PUNCT
fsr-3480	24	26	email	email	NOUN
fsr-3480	24	27	)	)	PUNCT
fsr-3480	24	28	submission	submission	NOUN
fsr-3480	24	29	of	of	ADP
fsr-3480	24	30	manuscripts	manuscript	NOUN
fsr-3480	24	31	is	be	AUX
fsr-3480	24	32	encouraged	encourage	VERB
fsr-3480	24	33	,	,	PUNCT
fsr-3480	24	34	and	and	CCONJ
fsr-3480	24	35	procedures	procedure	NOUN
fsr-3480	24	36	are	be	AUX
fsr-3480	24	37	discussed	discuss	VERB
fsr-3480	24	38	below	below	ADV
fsr-3480	24	39	.	.	PUNCT
fsr-3480	25	1	there	there	PRON
fsr-3480	25	2	is	be	VERB
fsr-3480	25	3	a	a	DET
fsr-3480	25	4	$	$	SYM
fsr-3480	25	5	100	100	NUM
fsr-3480	25	6	submission	submission	NOUN
fsr-3480	25	7	fee	fee	NOUN
fsr-3480	25	8	payable	payable	ADJ
fsr-3480	25	9	to	to	ADP
fsr-3480	25	10	the	the	DET
fsr-3480	25	11	academy	academy	NOUN
fsr-3480	25	12	of	of	ADP
fsr-3480	25	13	financial	financial	ADJ
fsr-3480	25	14	services	service	NOUN
fsr-3480	25	15	(	(	PUNCT
fsr-3480	25	16	afs	afs	NOUN
fsr-3480	25	17	)	)	PUNCT
fsr-3480	25	18	for	for	ADP
fsr-3480	25	19	all	all	DET
fsr-3480	25	20	submissions	submission	NOUN
fsr-3480	25	21	to	to	ADP
fsr-3480	25	22	fsr	fsr	PROPN
fsr-3480	25	23	.	.	PUNCT
fsr-3480	26	1	submission	submission	NOUN
fsr-3480	26	2	fees	fee	NOUN
fsr-3480	26	3	should	should	AUX
fsr-3480	26	4	be	be	AUX
fsr-3480	26	5	paid	pay	VERB
fsr-3480	26	6	online	online	ADV
fsr-3480	26	7	at	at	ADP
fsr-3480	26	8	academy	academy	PROPN
fsr-3480	26	9	financial	financial	ADJ
fsr-3480	26	10	org	org	PROPN
fsr-3480	26	11	.	.	PUNCT
fsr-3480	27	1	if	if	SCONJ
fsr-3480	27	2	none	none	NOUN
fsr-3480	27	3	of	of	ADP
fsr-3480	27	4	the	the	DET
fsr-3480	27	5	authors	author	NOUN
fsr-3480	27	6	is	be	AUX
fsr-3480	27	7	a	a	DET
fsr-3480	27	8	member	member	NOUN
fsr-3480	27	9	of	of	ADP
fsr-3480	27	10	afs	afs	NOUN
fsr-3480	27	11	,	,	PUNCT
fsr-3480	27	12	please	please	INTJ
fsr-3480	27	13	complete	complete	VERB
fsr-3480	27	14	an	an	DET
fsr-3480	27	15	online	online	ADJ
fsr-3480	27	16	membership	membership	NOUN
fsr-3480	27	17	application	application	NOUN
fsr-3480	27	18	form	form	NOUN
fsr-3480	27	19	,	,	PUNCT
fsr-3480	27	20	which	which	PRON
fsr-3480	27	21	can	can	AUX
fsr-3480	27	22	be	be	AUX
fsr-3480	27	23	downloaded	download	VERB
fsr-3480	27	24	at	at	ADP
fsr-3480	27	25	http://academyfinancial.org	http://academyfinancial.org	PROPN
fsr-3480	27	26	.	.	PUNCT
fsr-3480	28	1	when	when	SCONJ
fsr-3480	28	2	authors	author	NOUN
fsr-3480	28	3	pay	pay	VERB
fsr-3480	28	4	the	the	DET
fsr-3480	28	5	$	$	SYM
fsr-3480	28	6	100	100	NUM
fsr-3480	28	7	submission	submission	NOUN
fsr-3480	28	8	fee	fee	NOUN
fsr-3480	28	9	and	and	CCONJ
fsr-3480	28	10	are	be	AUX
fsr-3480	28	11	not	not	PART
fsr-3480	28	12	currently	currently	ADV
fsr-3480	28	13	members	member	NOUN
fsr-3480	28	14	,	,	PUNCT
fsr-3480	28	15	they	they	PRON
fsr-3480	28	16	receive	receive	VERB
fsr-3480	28	17	their	their	PRON
fsr-3480	28	18	first	first	ADJ
fsr-3480	28	19	year	year	NOUN
fsr-3480	28	20	of	of	ADP
fsr-3480	28	21	afs	afs	NOUN
fsr-3480	28	22	membership	membership	NOUN
fsr-3480	28	23	at	at	ADP
fsr-3480	28	24	no	no	DET
fsr-3480	28	25	charge	charge	NOUN
fsr-3480	28	26	.	.	PUNCT
fsr-3480	29	1	submission	submission	NOUN
fsr-3480	29	2	of	of	ADP
fsr-3480	29	3	a	a	DET
fsr-3480	29	4	paper	paper	NOUN
fsr-3480	29	5	will	will	AUX
fsr-3480	29	6	be	be	AUX
fsr-3480	29	7	held	hold	VERB
fsr-3480	29	8	to	to	PART
fsr-3480	29	9	imply	imply	VERB
fsr-3480	29	10	that	that	SCONJ
fsr-3480	29	11	it	it	PRON
fsr-3480	29	12	contains	contain	VERB
fsr-3480	29	13	original	original	ADJ
fsr-3480	29	14	unpublished	unpublished	ADJ
fsr-3480	29	15	work	work	NOUN
fsr-3480	29	16	and	and	CCONJ
fsr-3480	29	17	is	be	AUX
fsr-3480	29	18	not	not	PART
fsr-3480	29	19	being	be	AUX
fsr-3480	29	20	considered	consider	VERB
fsr-3480	29	21	for	for	ADP
fsr-3480	29	22	publication	publication	NOUN
fsr-3480	29	23	elsewhere	elsewhere	ADV
fsr-3480	29	24	.	.	PUNCT
fsr-3480	30	1	the	the	DET
fsr-3480	30	2	editor	editor	NOUN
fsr-3480	30	3	does	do	AUX
fsr-3480	30	4	not	not	PART
fsr-3480	30	5	accept	accept	VERB
fsr-3480	30	6	responsibility	responsibility	NOUN
fsr-3480	30	7	for	for	ADP
fsr-3480	30	8	damage	damage	NOUN
fsr-3480	30	9	or	or	CCONJ
fsr-3480	30	10	loss	loss	NOUN
fsr-3480	30	11	of	of	ADP
fsr-3480	30	12	papers	paper	NOUN
fsr-3480	30	13	submitted	submit	VERB
fsr-3480	30	14	.	.	PUNCT
fsr-3480	31	1	upon	upon	SCONJ
fsr-3480	31	2	acceptance	acceptance	NOUN
fsr-3480	31	3	of	of	ADP
fsr-3480	31	4	an	an	DET
fsr-3480	31	5	article	article	NOUN
fsr-3480	31	6	,	,	PUNCT
fsr-3480	31	7	author(s	author(s	NOUN
fsr-3480	31	8	)	)	PUNCT
fsr-3480	31	9	transfer	transfer	NOUN
fsr-3480	31	10	copyright	copyright	NOUN
fsr-3480	31	11	of	of	ADP
fsr-3480	31	12	the	the	DET
fsr-3480	31	13	article	article	NOUN
fsr-3480	31	14	to	to	ADP
fsr-3480	31	15	the	the	DET
fsr-3480	31	16	academy	academy	NOUN
fsr-3480	31	17	of	of	ADP
fsr-3480	31	18	financial	financial	ADJ
fsr-3480	31	19	services	service	NOUN
fsr-3480	31	20	.	.	PUNCT
fsr-3480	32	1	this	this	DET
fsr-3480	32	2	transfer	transfer	NOUN
fsr-3480	32	3	will	will	AUX
fsr-3480	32	4	ensure	ensure	VERB
fsr-3480	32	5	the	the	DET
fsr-3480	32	6	widest	wide	ADJ
fsr-3480	32	7	possible	possible	ADJ
fsr-3480	32	8	dissemination	dissemination	NOUN
fsr-3480	32	9	.	.	PUNCT
fsr-3480	33	1	(	(	PUNCT
fsr-3480	33	2	3	3	X
fsr-3480	33	3	)	)	PUNCT
fsr-3480	33	4	submission	submission	NOUN
fsr-3480	33	5	of	of	ADP
fsr-3480	33	6	papers	paper	NOUN
fsr-3480	33	7	:	:	PUNCT
fsr-3480	33	8	authors	author	NOUN
fsr-3480	33	9	should	should	AUX
fsr-3480	33	10	submit	submit	VERB
fsr-3480	33	11	their	their	PRON
fsr-3480	33	12	papers	paper	NOUN
fsr-3480	33	13	electronically	electronically	ADV
fsr-3480	33	14	as	as	ADP
fsr-3480	33	15	an	an	DET
fsr-3480	33	16	e	e	NOUN
fsr-3480	33	17	-	-	NOUN
fsr-3480	33	18	mail	mail	NOUN
fsr-3480	33	19	attachment	attachment	NOUN
fsr-3480	33	20	to	to	ADP
fsr-3480	33	21	the	the	DET
fsr-3480	33	22	editor	editor	NOUN
fsr-3480	33	23	at	at	ADP
fsr-3480	33	24	smichels@stetson.edu	smichels@stetson.edu	PROPN
fsr-3480	33	25	.	.	PUNCT
fsr-3480	34	1	please	please	INTJ
fsr-3480	34	2	send	send	VERB
fsr-3480	34	3	the	the	DET
fsr-3480	34	4	paper	paper	NOUN
fsr-3480	34	5	in	in	ADP
fsr-3480	34	6	word	word	NOUN
fsr-3480	34	7	format	format	NOUN
fsr-3480	34	8	.	.	PUNCT
fsr-3480	35	1	do	do	AUX
fsr-3480	35	2	not	not	PART
fsr-3480	35	3	sent	send	VERB
fsr-3480	35	4	pdfs	pdfs	NOUN
fsr-3480	35	5	.	.	PUNCT
fsr-3480	36	1	ensure	ensure	VERB
fsr-3480	36	2	that	that	SCONJ
fsr-3480	36	3	the	the	DET
fsr-3480	36	4	letter	letter	NOUN
fsr-3480	36	5	‘	'	PUNCT
fsr-3480	36	6	l	l	NOUN
fsr-3480	36	7	’	'	PUNCT
fsr-3480	36	8	and	and	CCONJ
fsr-3480	36	9	digit	digit	VERB
fsr-3480	36	10	‘	'	PUNCT
fsr-3480	36	11	1	1	NUM
fsr-3480	36	12	’	'	PUNCT
fsr-3480	36	13	,	,	PUNCT
fsr-3480	36	14	and	and	CCONJ
fsr-3480	36	15	also	also	ADV
fsr-3480	36	16	the	the	DET
fsr-3480	36	17	letter	letter	NOUN
fsr-3480	36	18	‘	'	PUNCT
fsr-3480	36	19	o	o	NOUN
fsr-3480	36	20	’	'	PUNCT
fsr-3480	36	21	and	and	CCONJ
fsr-3480	36	22	digit	digit	VERB
fsr-3480	36	23	‘	'	PUNCT
fsr-3480	36	24	0	0	NUM
fsr-3480	36	25	’	'	PUNCT
fsr-3480	36	26	are	be	AUX
fsr-3480	36	27	used	use	VERB
fsr-3480	36	28	properly	properly	ADV
fsr-3480	36	29	,	,	PUNCT
fsr-3480	36	30	and	and	CCONJ
fsr-3480	36	31	format	format	VERB
fsr-3480	36	32	your	your	PRON
fsr-3480	36	33	article	article	NOUN
fsr-3480	36	34	(	(	PUNCT
fsr-3480	36	35	tabs	tab	NOUN
fsr-3480	36	36	,	,	PUNCT
fsr-3480	36	37	indents	indent	NOUN
fsr-3480	36	38	,	,	PUNCT
fsr-3480	36	39	etc	etc	X
fsr-3480	36	40	.	.	X
fsr-3480	36	41	)	)	PUNCT
fsr-3480	36	42	consistently	consistently	ADV
fsr-3480	36	43	.	.	PUNCT
fsr-3480	37	1	do	do	AUX
fsr-3480	37	2	not	not	PART
fsr-3480	37	3	allow	allow	VERB
fsr-3480	37	4	your	your	PRON
fsr-3480	37	5	word	word	NOUN
fsr-3480	37	6	processor	processor	NOUN
fsr-3480	37	7	to	to	PART
fsr-3480	37	8	introduce	introduce	VERB
fsr-3480	37	9	word	word	NOUN
fsr-3480	37	10	breaks	break	NOUN
fsr-3480	37	11	and	and	CCONJ
fsr-3480	37	12	do	do	AUX
fsr-3480	37	13	not	not	PART
fsr-3480	37	14	use	use	VERB
fsr-3480	37	15	a	a	DET
fsr-3480	37	16	justified	justified	ADJ
fsr-3480	37	17	layout	layout	NOUN
fsr-3480	37	18	.	.	PUNCT
fsr-3480	38	1	please	please	INTJ
fsr-3480	38	2	adhere	adhere	VERB
fsr-3480	38	3	strictly	strictly	ADV
fsr-3480	38	4	to	to	ADP
fsr-3480	38	5	the	the	DET
fsr-3480	38	6	general	general	ADJ
fsr-3480	38	7	instructions	instruction	NOUN
fsr-3480	38	8	below	below	ADP
fsr-3480	38	9	on	on	ADP
fsr-3480	38	10	style	style	NOUN
fsr-3480	38	11	,	,	PUNCT
fsr-3480	38	12	arrangement	arrangement	NOUN
fsr-3480	38	13	and	and	CCONJ
fsr-3480	38	14	,	,	PUNCT
fsr-3480	38	15	in	in	ADP
fsr-3480	38	16	particular	particular	ADJ
fsr-3480	38	17	,	,	PUNCT
fsr-3480	38	18	the	the	DET
fsr-3480	38	19	reference	reference	NOUN
fsr-3480	38	20	style	style	NOUN
fsr-3480	38	21	of	of	ADP
fsr-3480	38	22	the	the	DET
fsr-3480	38	23	journal	journal	NOUN
fsr-3480	38	24	.	.	PUNCT
fsr-3480	39	1	(	(	PUNCT
fsr-3480	39	2	4	4	X
fsr-3480	39	3	)	)	PUNCT
fsr-3480	39	4	manuscripts	manuscript	NOUN
fsr-3480	39	5	should	should	AUX
fsr-3480	39	6	be	be	AUX
fsr-3480	39	7	double	double	ADV
fsr-3480	39	8	spaced	space	VERB
fsr-3480	39	9	,	,	PUNCT
fsr-3480	39	10	with	with	ADP
fsr-3480	39	11	one	one	NUM
fsr-3480	39	12	-	-	PUNCT
fsr-3480	39	13	inch	inch	NOUN
fsr-3480	39	14	margins	margin	NOUN
fsr-3480	39	15	,	,	PUNCT
fsr-3480	39	16	and	and	CCONJ
fsr-3480	39	17	printed	print	VERB
fsr-3480	39	18	on	on	ADP
fsr-3480	39	19	one	one	NUM
fsr-3480	39	20	side	side	NOUN
fsr-3480	39	21	of	of	ADP
fsr-3480	39	22	the	the	DET
fsr-3480	39	23	paper	paper	NOUN
fsr-3480	39	24	only	only	ADV
fsr-3480	39	25	.	.	PUNCT
fsr-3480	40	1	all	all	DET
fsr-3480	40	2	pages	page	NOUN
fsr-3480	40	3	should	should	AUX
fsr-3480	40	4	be	be	AUX
fsr-3480	40	5	numbered	number	VERB
fsr-3480	40	6	consecutively	consecutively	ADV
fsr-3480	40	7	,	,	PUNCT
fsr-3480	40	8	starting	start	VERB
fsr-3480	40	9	with	with	ADP
fsr-3480	40	10	the	the	DET
fsr-3480	40	11	title	title	NOUN
fsr-3480	40	12	page	page	NOUN
fsr-3480	40	13	.	.	PUNCT
fsr-3480	41	1	titles	title	NOUN
fsr-3480	41	2	and	and	CCONJ
fsr-3480	41	3	subtitles	subtitle	NOUN
fsr-3480	41	4	should	should	AUX
fsr-3480	41	5	be	be	AUX
fsr-3480	41	6	short	short	ADJ
fsr-3480	41	7	.	.	PUNCT
fsr-3480	42	1	references	reference	NOUN
fsr-3480	42	2	,	,	PUNCT
fsr-3480	42	3	tables	table	NOUN
fsr-3480	42	4	,	,	PUNCT
fsr-3480	42	5	and	and	CCONJ
fsr-3480	42	6	legends	legend	NOUN
fsr-3480	42	7	for	for	ADP
fsr-3480	42	8	the	the	DET
fsr-3480	42	9	figures	figure	NOUN
fsr-3480	42	10	should	should	AUX
fsr-3480	42	11	be	be	AUX
fsr-3480	42	12	printed	print	VERB
fsr-3480	42	13	on	on	ADP
fsr-3480	42	14	separate	separate	ADJ
fsr-3480	42	15	pages	page	NOUN
fsr-3480	42	16	.	.	PUNCT
fsr-3480	43	1	(	(	PUNCT
fsr-3480	43	2	5	5	X
fsr-3480	43	3	)	)	PUNCT
fsr-3480	43	4	the	the	DET
fsr-3480	43	5	first	first	ADJ
fsr-3480	43	6	page	page	NOUN
fsr-3480	43	7	of	of	ADP
fsr-3480	43	8	the	the	DET
fsr-3480	43	9	manuscript	manuscript	NOUN
fsr-3480	43	10	,	,	PUNCT
fsr-3480	43	11	the	the	DET
fsr-3480	43	12	title	title	NOUN
fsr-3480	43	13	page	page	NOUN
fsr-3480	43	14	,	,	PUNCT
fsr-3480	43	15	must	must	AUX
fsr-3480	43	16	contain	contain	VERB
fsr-3480	43	17	the	the	DET
fsr-3480	43	18	following	follow	VERB
fsr-3480	43	19	information	information	NOUN
fsr-3480	43	20	:	:	PUNCT
fsr-3480	43	21	(	(	PUNCT
fsr-3480	43	22	i	i	NOUN
fsr-3480	43	23	)	)	PUNCT
fsr-3480	43	24	the	the	DET
fsr-3480	43	25	title	title	NOUN
fsr-3480	43	26	;	;	PUNCT
fsr-3480	43	27	(	(	PUNCT
fsr-3480	43	28	ii	ii	NOUN
fsr-3480	43	29	)	)	PUNCT
fsr-3480	43	30	the	the	DET
fsr-3480	43	31	name(s	name(s	NOUN
fsr-3480	43	32	)	)	PUNCT
fsr-3480	43	33	,	,	PUNCT
fsr-3480	43	34	title	title	NOUN
fsr-3480	43	35	,	,	PUNCT
fsr-3480	43	36	institutional	institutional	ADJ
fsr-3480	43	37	affiliation(s	affiliation(s	NOUN
fsr-3480	43	38	)	)	PUNCT
fsr-3480	43	39	,	,	PUNCT
fsr-3480	43	40	address	address	NOUN
fsr-3480	43	41	,	,	PUNCT
fsr-3480	43	42	telephone	telephone	NOUN
fsr-3480	43	43	number	number	NOUN
fsr-3480	43	44	,	,	PUNCT
fsr-3480	43	45	fax	fax	NOUN
fsr-3480	43	46	number	number	NOUN
fsr-3480	43	47	and	and	CCONJ
fsr-3480	43	48	e	e	NOUN
fsr-3480	43	49	-	-	NOUN
fsr-3480	43	50	mail	mail	NOUN
fsr-3480	43	51	addresses	address	NOUN
fsr-3480	43	52	of	of	ADP
fsr-3480	43	53	all	all	DET
fsr-3480	43	54	the	the	DET
fsr-3480	43	55	author(s	author(s	NOUN
fsr-3480	43	56	)	)	PUNCT
fsr-3480	43	57	with	with	ADP
fsr-3480	43	58	a	a	DET
fsr-3480	43	59	clear	clear	ADJ
fsr-3480	43	60	indication	indication	NOUN
fsr-3480	43	61	of	of	ADP
fsr-3480	43	62	which	which	PRON
fsr-3480	43	63	is	be	AUX
fsr-3480	43	64	the	the	DET
fsr-3480	43	65	corresponding	corresponding	ADJ
fsr-3480	43	66	author	author	NOUN
fsr-3480	43	67	;	;	PUNCT
fsr-3480	43	68	(	(	PUNCT
fsr-3480	43	69	iii	iii	NOUN
fsr-3480	43	70	)	)	PUNCT
fsr-3480	43	71	at	at	ADP
fsr-3480	43	72	least	least	ADJ
fsr-3480	43	73	one	one	NUM
fsr-3480	43	74	classification	classification	NOUN
fsr-3480	43	75	code	code	NOUN
fsr-3480	43	76	according	accord	VERB
fsr-3480	43	77	to	to	ADP
fsr-3480	43	78	the	the	DET
fsr-3480	43	79	classification	classification	NOUN
fsr-3480	43	80	system	system	NOUN
fsr-3480	43	81	for	for	ADP
fsr-3480	43	82	journal	journal	ADJ
fsr-3480	43	83	articles	article	NOUN
fsr-3480	43	84	as	as	SCONJ
fsr-3480	43	85	used	use	VERB
fsr-3480	43	86	by	by	ADP
fsr-3480	43	87	the	the	DET
fsr-3480	43	88	journal	journal	NOUN
fsr-3480	43	89	of	of	ADP
fsr-3480	43	90	economic	economic	ADJ
fsr-3480	43	91	literature	literature	NOUN
fsr-3480	43	92	,	,	PUNCT
fsr-3480	43	93	which	which	PRON
fsr-3480	43	94	can	can	AUX
fsr-3480	43	95	be	be	AUX
fsr-3480	43	96	found	find	VERB
fsr-3480	43	97	at	at	ADP
fsr-3480	43	98	http://www.aeaweb.org/journal/elclasjn.html	http://www.aeaweb.org/journal/elclasjn.html	PROPN
fsr-3480	43	99	;	;	PUNCT
fsr-3480	43	100	in	in	ADP
fsr-3480	43	101	addition	addition	NOUN
fsr-3480	43	102	,	,	PUNCT
fsr-3480	43	103	up	up	ADP
fsr-3480	43	104	to	to	PART
fsr-3480	43	105	five	five	NUM
fsr-3480	43	106	key	key	ADJ
fsr-3480	43	107	words	word	NOUN
fsr-3480	43	108	should	should	AUX
fsr-3480	43	109	be	be	AUX
fsr-3480	43	110	supplied	supply	VERB
fsr-3480	43	111	.	.	PUNCT
fsr-3480	44	1	(	(	PUNCT
fsr-3480	44	2	6	6	X
fsr-3480	44	3	)	)	PUNCT
fsr-3480	44	4	information	information	NOUN
fsr-3480	44	5	on	on	ADP
fsr-3480	44	6	grants	grant	NOUN
fsr-3480	44	7	received	receive	VERB
fsr-3480	44	8	can	can	AUX
fsr-3480	44	9	be	be	AUX
fsr-3480	44	10	given	give	VERB
fsr-3480	44	11	in	in	ADP
fsr-3480	44	12	a	a	DET
fsr-3480	44	13	footnote	footnote	NOUN
fsr-3480	44	14	on	on	ADP
fsr-3480	44	15	the	the	DET
fsr-3480	44	16	title	title	NOUN
fsr-3480	44	17	page	page	NOUN
fsr-3480	44	18	.	.	PUNCT
fsr-3480	45	1	(	(	PUNCT
fsr-3480	45	2	7	7	X
fsr-3480	45	3	)	)	PUNCT
fsr-3480	45	4	the	the	DET
fsr-3480	45	5	abstract	abstract	NOUN
fsr-3480	45	6	,	,	PUNCT
fsr-3480	45	7	consisting	consist	VERB
fsr-3480	45	8	of	of	ADP
fsr-3480	45	9	no	no	DET
fsr-3480	45	10	more	more	ADJ
fsr-3480	45	11	than	than	ADP
fsr-3480	45	12	100	100	NUM
fsr-3480	45	13	words	word	NOUN
fsr-3480	45	14	,	,	PUNCT
fsr-3480	45	15	should	should	AUX
fsr-3480	45	16	appear	appear	VERB
fsr-3480	45	17	alone	alone	ADJ
fsr-3480	45	18	on	on	ADP
fsr-3480	45	19	page	page	NOUN
fsr-3480	45	20	2	2	NUM
fsr-3480	45	21	,	,	PUNCT
fsr-3480	45	22	titled	title	VERB
fsr-3480	45	23	,	,	PUNCT
fsr-3480	45	24	abstract	abstract	ADJ
fsr-3480	45	25	.	.	PUNCT
fsr-3480	46	1	(	(	PUNCT
fsr-3480	46	2	8)	8)	NUM
fsr-3480	46	3	footnotes	footnote	NOUN
fsr-3480	46	4	should	should	AUX
fsr-3480	46	5	be	be	AUX
fsr-3480	46	6	kept	keep	VERB
fsr-3480	46	7	to	to	ADP
fsr-3480	46	8	a	a	DET
fsr-3480	46	9	minimum	minimum	NOUN
fsr-3480	46	10	and	and	CCONJ
fsr-3480	46	11	should	should	AUX
fsr-3480	46	12	only	only	ADV
fsr-3480	46	13	contain	contain	VERB
fsr-3480	46	14	material	material	NOUN
fsr-3480	46	15	that	that	PRON
fsr-3480	46	16	is	be	AUX
fsr-3480	46	17	not	not	PART
fsr-3480	46	18	essential	essential	ADJ
fsr-3480	46	19	to	to	ADP
fsr-3480	46	20	the	the	DET
fsr-3480	46	21	understanding	understanding	NOUN
fsr-3480	46	22	of	of	ADP
fsr-3480	46	23	the	the	DET
fsr-3480	46	24	article	article	NOUN
fsr-3480	46	25	.	.	PUNCT
fsr-3480	47	1	as	as	ADP
fsr-3480	47	2	a	a	DET
fsr-3480	47	3	rule	rule	NOUN
fsr-3480	47	4	of	of	ADP
fsr-3480	47	5	thumb	thumb	NOUN
fsr-3480	47	6	,	,	PUNCT
fsr-3480	47	7	have	have	VERB
fsr-3480	47	8	one	one	NUM
fsr-3480	47	9	or	or	CCONJ
fsr-3480	47	10	less	less	ADJ
fsr-3480	47	11	footnote	footnote	NOUN
fsr-3480	47	12	,	,	PUNCT
fsr-3480	47	13	on	on	ADP
fsr-3480	47	14	average	average	ADJ
fsr-3480	47	15	,	,	PUNCT
fsr-3480	47	16	per	per	ADP
fsr-3480	47	17	two	two	NUM
fsr-3480	47	18	pages	page	NOUN
fsr-3480	47	19	of	of	ADP
fsr-3480	47	20	text	text	NOUN
fsr-3480	47	21	.	.	PUNCT
fsr-3480	48	1	(	(	PUNCT
fsr-3480	48	2	9	9	X
fsr-3480	48	3	)	)	PUNCT
fsr-3480	48	4	displayed	display	VERB
fsr-3480	48	5	formulae	formulae	NOUN
fsr-3480	48	6	should	should	AUX
fsr-3480	48	7	be	be	AUX
fsr-3480	48	8	numbered	number	VERB
fsr-3480	48	9	consecutively	consecutively	ADV
fsr-3480	48	10	throughout	throughout	ADP
fsr-3480	48	11	the	the	DET
fsr-3480	48	12	manuscript	manuscript	NOUN
fsr-3480	48	13	as	as	ADP
fsr-3480	48	14	(	(	PUNCT
fsr-3480	48	15	1	1	NUM
fsr-3480	48	16	)	)	PUNCT
fsr-3480	48	17	,	,	PUNCT
fsr-3480	48	18	(	(	PUNCT
fsr-3480	48	19	2	2	NUM
fsr-3480	48	20	)	)	PUNCT
fsr-3480	48	21	,	,	PUNCT
fsr-3480	48	22	etc	etc	X
fsr-3480	48	23	.	.	X
fsr-3480	48	24	against	against	ADP
fsr-3480	48	25	the	the	DET
fsr-3480	48	26	right	right	ADJ
fsr-3480	48	27	-	-	PUNCT
fsr-3480	48	28	hand	hand	NOUN
fsr-3480	48	29	margin	margin	NOUN
fsr-3480	48	30	of	of	ADP
fsr-3480	48	31	the	the	DET
fsr-3480	48	32	page	page	NOUN
fsr-3480	48	33	.	.	PUNCT
fsr-3480	49	1	in	in	ADP
fsr-3480	49	2	cases	case	NOUN
fsr-3480	49	3	where	where	SCONJ
fsr-3480	49	4	the	the	DET
fsr-3480	49	5	derivation	derivation	NOUN
fsr-3480	49	6	of	of	ADP
fsr-3480	49	7	formulae	formulae	NOUN
fsr-3480	49	8	has	have	AUX
fsr-3480	49	9	been	be	AUX
fsr-3480	49	10	abbreviated	abbreviate	VERB
fsr-3480	49	11	,	,	PUNCT
fsr-3480	49	12	it	it	PRON
fsr-3480	49	13	is	be	AUX
fsr-3480	49	14	of	of	ADP
fsr-3480	49	15	great	great	ADJ
fsr-3480	49	16	help	help	NOUN
fsr-3480	49	17	to	to	ADP
fsr-3480	49	18	the	the	DET
fsr-3480	49	19	referees	referee	NOUN
fsr-3480	49	20	if	if	SCONJ
fsr-3480	49	21	the	the	DET
fsr-3480	49	22	full	full	ADJ
fsr-3480	49	23	derivation	derivation	NOUN
fsr-3480	49	24	can	can	AUX
fsr-3480	49	25	be	be	AUX
fsr-3480	49	26	presented	present	VERB
fsr-3480	49	27	on	on	ADP
fsr-3480	49	28	a	a	DET
fsr-3480	49	29	separate	separate	ADJ
fsr-3480	49	30	sheet	sheet	NOUN
fsr-3480	49	31	(	(	PUNCT
fsr-3480	49	32	not	not	PART
fsr-3480	49	33	to	to	PART
fsr-3480	49	34	be	be	AUX
fsr-3480	49	35	published	publish	VERB
fsr-3480	49	36	)	)	PUNCT
fsr-3480	49	37	.	.	PUNCT
fsr-3480	50	1	(	(	PUNCT
fsr-3480	50	2	10	10	NUM
fsr-3480	50	3	)	)	PUNCT
fsr-3480	50	4	the	the	DET
fsr-3480	50	5	financial	financial	PROPN
fsr-3480	50	6	services	service	NOUN
fsr-3480	50	7	review	review	NOUN
fsr-3480	50	8	journal	journal	PROPN
fsr-3480	50	9	(	(	PUNCT
fsr-3480	50	10	fsr	fsr	PROPN
fsr-3480	50	11	)	)	PUNCT
fsr-3480	50	12	follows	follow	VERB
fsr-3480	50	13	the	the	DET
fsr-3480	50	14	apa	apa	PROPN
fsr-3480	50	15	publication	publication	NOUN
fsr-3480	50	16	manual	manual	NOUN
fsr-3480	50	17	,	,	PUNCT
fsr-3480	50	18	6th	6th	ADJ
fsr-3480	50	19	edition	edition	NOUN
fsr-3480	50	20	,	,	PUNCT
fsr-3480	50	21	style	style	NOUN
fsr-3480	50	22	.	.	PUNCT
fsr-3480	51	1	however	however	ADV
fsr-3480	51	2	,	,	PUNCT
fsr-3480	51	3	consistent	consistent	ADJ
fsr-3480	51	4	with	with	ADP
fsr-3480	51	5	the	the	DET
fsr-3480	51	6	current	current	ADJ
fsr-3480	51	7	trend	trend	NOUN
fsr-3480	51	8	followed	follow	VERB
fsr-3480	51	9	by	by	ADP
fsr-3480	51	10	other	other	ADJ
fsr-3480	51	11	publications	publication	NOUN
fsr-3480	51	12	in	in	ADP
fsr-3480	51	13	the	the	DET
fsr-3480	51	14	area	area	NOUN
fsr-3480	51	15	of	of	ADP
fsr-3480	51	16	finance	finance	NOUN
fsr-3480	51	17	,	,	PUNCT
fsr-3480	51	18	the	the	DET
fsr-3480	51	19	journal	journal	NOUN
fsr-3480	51	20	has	have	VERB
fsr-3480	51	21	a	a	DET
fsr-3480	51	22	very	very	ADV
fsr-3480	51	23	strong	strong	ADJ
fsr-3480	51	24	preference	preference	NOUN
fsr-3480	51	25	for	for	ADP
fsr-3480	51	26	articles	article	NOUN
fsr-3480	51	27	that	that	PRON
fsr-3480	51	28	are	be	AUX
fsr-3480	51	29	written	write	VERB
fsr-3480	51	30	in	in	ADP
fsr-3480	51	31	the	the	DET
fsr-3480	51	32	present	present	ADJ
fsr-3480	51	33	tense	tense	ADJ
fsr-3480	51	34	throughout	throughout	NOUN
fsr-3480	51	35	.	.	PUNCT
fsr-3480	52	1	references	reference	NOUN
fsr-3480	52	2	to	to	ADP
fsr-3480	52	3	publications	publication	NOUN
fsr-3480	52	4	should	should	AUX
fsr-3480	52	5	be	be	AUX
fsr-3480	52	6	as	as	SCONJ
fsr-3480	52	7	follows	follow	VERB
fsr-3480	52	8	:	:	PUNCT
fsr-3480	52	9	“	"	PUNCT
fsr-3480	52	10	smith	smith	NOUN
fsr-3480	52	11	(	(	PUNCT
fsr-3480	52	12	1992	1992	NUM
fsr-3480	52	13	)	)	PUNCT
fsr-3480	52	14	reports	report	VERB
fsr-3480	52	15	that	that	SCONJ
fsr-3480	52	16	”	"	PUNCT
fsr-3480	52	17	or	or	CCONJ
fsr-3480	52	18	“	"	PUNCT
fsr-3480	52	19	this	this	DET
fsr-3480	52	20	problem	problem	NOUN
fsr-3480	52	21	has	have	AUX
fsr-3480	52	22	been	be	AUX
fsr-3480	52	23	studied	study	VERB
fsr-3480	52	24	previously	previously	ADV
fsr-3480	52	25	(	(	PUNCT
fsr-3480	52	26	ho	ho	ADJ
fsr-3480	52	27	,	,	PUNCT
fsr-3480	52	28	milevsky	milevsky	NOUN
fsr-3480	52	29	,	,	PUNCT
fsr-3480	52	30	&	&	CCONJ
fsr-3480	52	31	robinson	robinson	PROPN
fsr-3480	52	32	,	,	PUNCT
fsr-3480	52	33	1999	1999	NUM
fsr-3480	52	34	)	)	PUNCT
fsr-3480	52	35	.	.	PUNCT
fsr-3480	52	36	”	"	PUNCT
fsr-3480	53	1	the	the	DET
fsr-3480	53	2	author	author	NOUN
fsr-3480	53	3	should	should	AUX
fsr-3480	53	4	make	make	VERB
fsr-3480	53	5	sure	sure	ADJ
fsr-3480	53	6	that	that	SCONJ
fsr-3480	53	7	there	there	PRON
fsr-3480	53	8	is	be	VERB
fsr-3480	53	9	a	a	DET
fsr-3480	53	10	strict	strict	ADJ
fsr-3480	53	11	one	one	NUM
fsr-3480	53	12	-	-	PUNCT
fsr-3480	53	13	to	to	ADP
fsr-3480	53	14	-	-	PUNCT
fsr-3480	53	15	one	one	NUM
fsr-3480	53	16	correspondence	correspondence	NOUN
fsr-3480	53	17	between	between	ADP
fsr-3480	53	18	the	the	DET
fsr-3480	53	19	names	name	NOUN
fsr-3480	53	20	and	and	CCONJ
fsr-3480	53	21	years	year	NOUN
fsr-3480	53	22	in	in	ADP
fsr-3480	53	23	the	the	DET
fsr-3480	53	24	text	text	NOUN
fsr-3480	53	25	and	and	CCONJ
fsr-3480	53	26	those	those	PRON
fsr-3480	53	27	on	on	ADP
fsr-3480	53	28	the	the	DET
fsr-3480	53	29	reference	reference	NOUN
fsr-3480	53	30	list	list	NOUN
fsr-3480	53	31	.	.	PUNCT
fsr-3480	54	1	the	the	DET
fsr-3480	54	2	list	list	NOUN
fsr-3480	54	3	of	of	ADP
fsr-3480	54	4	references	reference	NOUN
fsr-3480	54	5	should	should	AUX
fsr-3480	54	6	appear	appear	VERB
fsr-3480	54	7	at	at	ADP
fsr-3480	54	8	the	the	DET
fsr-3480	54	9	end	end	NOUN
fsr-3480	54	10	of	of	ADP
fsr-3480	54	11	the	the	DET
fsr-3480	54	12	main	main	ADJ
fsr-3480	54	13	text	text	NOUN
fsr-3480	54	14	(	(	PUNCT
fsr-3480	54	15	after	after	ADP
fsr-3480	54	16	any	any	DET
fsr-3480	54	17	appendices	appendix	NOUN
fsr-3480	54	18	,	,	PUNCT
fsr-3480	54	19	but	but	CCONJ
fsr-3480	54	20	before	before	ADP
fsr-3480	54	21	tables	table	NOUN
fsr-3480	54	22	and	and	CCONJ
fsr-3480	54	23	legends	legend	NOUN
fsr-3480	54	24	for	for	ADP
fsr-3480	54	25	figures	figure	NOUN
fsr-3480	54	26	)	)	PUNCT
fsr-3480	54	27	.	.	PUNCT
fsr-3480	55	1	it	it	PRON
fsr-3480	55	2	should	should	AUX
fsr-3480	55	3	be	be	AUX
fsr-3480	55	4	double	double	ADV
fsr-3480	55	5	spaced	space	VERB
fsr-3480	55	6	and	and	CCONJ
fsr-3480	55	7	listed	list	VERB
fsr-3480	55	8	in	in	ADP
fsr-3480	55	9	alphabetical	alphabetical	ADJ
fsr-3480	55	10	order	order	NOUN
fsr-3480	55	11	by	by	ADP
fsr-3480	55	12	author	author	NOUN
fsr-3480	55	13	’s	’s	PART
fsr-3480	55	14	name	name	NOUN
fsr-3480	55	15	.	.	PUNCT
fsr-3480	56	1	references	reference	NOUN
fsr-3480	56	2	should	should	AUX
fsr-3480	56	3	appear	appear	VERB
fsr-3480	56	4	as	as	SCONJ
fsr-3480	56	5	follows	follow	VERB
fsr-3480	56	6	:	:	PUNCT
fsr-3480	56	7	books	book	NOUN
fsr-3480	56	8	:	:	PUNCT
fsr-3480	56	9	hawawini	hawawini	X
fsr-3480	56	10	,	,	PUNCT
fsr-3480	56	11	g.	g.	PROPN
fsr-3480	56	12	&	&	CCONJ
fsr-3480	56	13	swary	swary	PROPN
fsr-3480	56	14	,	,	PUNCT
fsr-3480	56	15	i.	i.	NOUN
fsr-3480	56	16	(	(	PUNCT
fsr-3480	56	17	1990	1990	NUM
fsr-3480	56	18	)	)	PUNCT
fsr-3480	56	19	.	.	PUNCT
fsr-3480	57	1	mergers	merger	NOUN
fsr-3480	57	2	and	and	CCONJ
fsr-3480	57	3	acquisitions	acquisition	NOUN
fsr-3480	57	4	in	in	ADP
fsr-3480	57	5	the	the	DET
fsr-3480	57	6	u.s	u.s	PROPN
fsr-3480	57	7	.	.	PROPN
fsr-3480	57	8	banking	banking	NOUN
fsr-3480	57	9	industry	industry	NOUN
fsr-3480	57	10	:	:	PUNCT
fsr-3480	57	11	evidence	evidence	NOUN
fsr-3480	57	12	from	from	ADP
fsr-3480	57	13	the	the	DET
fsr-3480	57	14	capital	capital	NOUN
fsr-3480	57	15	markets	market	NOUN
fsr-3480	57	16	.	.	PUNCT
fsr-3480	58	1	amsterdam	amsterdam	PROPN
fsr-3480	58	2	:	:	PUNCT
fsr-3480	58	3	north	north	PROPN
fsr-3480	58	4	holland	holland	PROPN
fsr-3480	58	5	.	.	PUNCT
fsr-3480	59	1	chapter	chapter	NOUN
fsr-3480	59	2	in	in	ADP
fsr-3480	59	3	a	a	DET
fsr-3480	59	4	book	book	NOUN
fsr-3480	59	5	:	:	PUNCT
fsr-3480	59	6	brunner	brunner	PROPN
fsr-3480	59	7	,	,	PUNCT
fsr-3480	59	8	k.	k.	PROPN
fsr-3480	59	9	&	&	CCONJ
fsr-3480	59	10	meltzer	meltzer	PROPN
fsr-3480	59	11	,	,	PUNCT
fsr-3480	59	12	a.	a.	PROPN
fsr-3480	59	13	h.	h.	PROPN
fsr-3480	59	14	(	(	PUNCT
fsr-3480	59	15	1990	1990	NUM
fsr-3480	59	16	)	)	PUNCT
fsr-3480	59	17	.	.	PUNCT
fsr-3480	60	1	money	money	NOUN
fsr-3480	60	2	supply	supply	NOUN
fsr-3480	60	3	.	.	PUNCT
fsr-3480	61	1	in	in	ADP
fsr-3480	61	2	:	:	PUNCT
fsr-3480	61	3	b.	b.	PROPN
fsr-3480	61	4	m.	m.	PROPN
fsr-3480	61	5	friedman	friedman	PROPN
fsr-3480	61	6	&	&	CCONJ
fsr-3480	61	7	f.	f.	PROPN
fsr-3480	61	8	h.	h.	PROPN
fsr-3480	61	9	hahn	hahn	PROPN
fsr-3480	61	10	(	(	PUNCT
fsr-3480	61	11	eds	eds	PROPN
fsr-3480	61	12	.	.	PUNCT
fsr-3480	61	13	)	)	PUNCT
fsr-3480	61	14	,	,	PUNCT
fsr-3480	61	15	handbook	handbook	NOUN
fsr-3480	61	16	of	of	ADP
fsr-3480	61	17	monetary	monetary	ADJ
fsr-3480	61	18	economics	economic	NOUN
fsr-3480	61	19	(	(	PUNCT
fsr-3480	61	20	vol	vol	NOUN
fsr-3480	61	21	.	.	PROPN
fsr-3480	61	22	1	1	NUM
fsr-3480	61	23	,	,	PUNCT
fsr-3480	61	24	pp	pp	ADJ
fsr-3480	61	25	.	.	PUNCT
fsr-3480	61	26	357	357	NUM
fsr-3480	61	27	-	-	SYM
fsr-3480	61	28	396	396	NUM
fsr-3480	61	29	)	)	PUNCT
fsr-3480	61	30	.	.	PUNCT
fsr-3480	62	1	amsterdam	amsterdam	PROPN
fsr-3480	62	2	:	:	PUNCT
fsr-3480	62	3	north	north	PROPN
fsr-3480	62	4	holland	holland	PROPN
fsr-3480	62	5	.	.	PUNCT
fsr-3480	63	1	periodicals	periodical	NOUN
fsr-3480	63	2	:	:	PUNCT
fsr-3480	63	3	ang	ang	PROPN
fsr-3480	63	4	,	,	PUNCT
fsr-3480	63	5	j.	j.	PROPN
fsr-3480	63	6	s.	s.	PROPN
fsr-3480	63	7	&	&	CCONJ
fsr-3480	63	8	fatemi	fatemi	PROPN
fsr-3480	63	9	,	,	PUNCT
fsr-3480	63	10	a.	a.	NOUN
fsr-3480	63	11	m.	m.	NOUN
fsr-3480	63	12	(	(	PUNCT
fsr-3480	63	13	1997	1997	NUM
fsr-3480	63	14	)	)	PUNCT
fsr-3480	63	15	.	.	PUNCT
fsr-3480	64	1	personal	personal	ADJ
fsr-3480	64	2	bankruptcy	bankruptcy	NOUN
fsr-3480	64	3	costs	cost	NOUN
fsr-3480	64	4	:	:	PUNCT
fsr-3480	64	5	their	their	PRON
fsr-3480	64	6	relevance	relevance	NOUN
fsr-3480	64	7	and	and	CCONJ
fsr-3480	64	8	some	some	DET
fsr-3480	64	9	estimates	estimate	NOUN
fsr-3480	64	10	.	.	PUNCT
fsr-3480	65	1	financial	financial	ADJ
fsr-3480	65	2	services	service	NOUN
fsr-3480	65	3	review	review	PROPN
fsr-3480	65	4	,	,	PUNCT
fsr-3480	65	5	6	6	NUM
fsr-3480	65	6	,	,	PUNCT
fsr-3480	65	7	77	77	NUM
fsr-3480	65	8	-	-	SYM
fsr-3480	65	9	96	96	NUM
fsr-3480	65	10	.	.	PUNCT
fsr-3480	66	1	note	note	VERB
fsr-3480	66	2	that	that	SCONJ
fsr-3480	66	3	journal	journal	PROPN
fsr-3480	66	4	titles	title	NOUN
fsr-3480	66	5	should	should	AUX
fsr-3480	66	6	not	not	PART
fsr-3480	66	7	be	be	AUX
fsr-3480	66	8	abbreviated	abbreviate	VERB
fsr-3480	66	9	.	.	PUNCT
fsr-3480	67	1	(	(	PUNCT
fsr-3480	67	2	11	11	NUM
fsr-3480	67	3	)	)	PUNCT
fsr-3480	67	4	illustrations	illustration	NOUN
fsr-3480	67	5	will	will	AUX
fsr-3480	67	6	be	be	AUX
fsr-3480	67	7	reproduced	reproduce	VERB
fsr-3480	67	8	photographically	photographically	ADV
fsr-3480	67	9	from	from	ADP
fsr-3480	67	10	originals	original	NOUN
fsr-3480	67	11	supplied	supply	VERB
fsr-3480	67	12	by	by	ADP
fsr-3480	67	13	the	the	DET
fsr-3480	67	14	author	author	NOUN
fsr-3480	67	15	;	;	PUNCT
fsr-3480	67	16	they	they	PRON
fsr-3480	67	17	will	will	AUX
fsr-3480	67	18	not	not	PART
fsr-3480	67	19	be	be	AUX
fsr-3480	67	20	redrawn	redrawn	VERB
fsr-3480	67	21	by	by	ADP
fsr-3480	67	22	the	the	DET
fsr-3480	67	23	publisher	publisher	NOUN
fsr-3480	67	24	.	.	PUNCT
fsr-3480	68	1	please	please	INTJ
fsr-3480	68	2	provide	provide	VERB
fsr-3480	68	3	all	all	DET
fsr-3480	68	4	illustrations	illustration	NOUN
fsr-3480	68	5	in	in	ADP
fsr-3480	68	6	quadruplicate	quadruplicate	NOUN
fsr-3480	68	7	(	(	PUNCT
fsr-3480	68	8	one	one	NUM
fsr-3480	68	9	high	high	ADJ
fsr-3480	68	10	-	-	PUNCT
fsr-3480	68	11	contrast	contrast	NOUN
fsr-3480	68	12	original	original	ADJ
fsr-3480	68	13	and	and	CCONJ
fsr-3480	68	14	three	three	NUM
fsr-3480	68	15	photocopies	photocopy	NOUN
fsr-3480	68	16	)	)	PUNCT
fsr-3480	68	17	.	.	PUNCT
fsr-3480	69	1	care	care	NOUN
fsr-3480	69	2	should	should	AUX
fsr-3480	69	3	be	be	AUX
fsr-3480	69	4	taken	take	VERB
fsr-3480	69	5	that	that	DET
fsr-3480	69	6	lettering	lettering	NOUN
fsr-3480	69	7	and	and	CCONJ
fsr-3480	69	8	symbols	symbol	NOUN
fsr-3480	69	9	are	be	AUX
fsr-3480	69	10	of	of	ADP
fsr-3480	69	11	a	a	DET
fsr-3480	69	12	comparable	comparable	ADJ
fsr-3480	69	13	size	size	NOUN
fsr-3480	69	14	.	.	PUNCT
fsr-3480	70	1	the	the	DET
fsr-3480	70	2	illustrations	illustration	NOUN
fsr-3480	70	3	should	should	AUX
fsr-3480	70	4	not	not	PART
fsr-3480	70	5	be	be	AUX
fsr-3480	70	6	inserted	insert	VERB
fsr-3480	70	7	in	in	ADP
fsr-3480	70	8	the	the	DET
fsr-3480	70	9	text	text	NOUN
fsr-3480	70	10	,	,	PUNCT
fsr-3480	70	11	and	and	CCONJ
fsr-3480	70	12	should	should	AUX
fsr-3480	70	13	be	be	AUX
fsr-3480	70	14	marked	mark	VERB
fsr-3480	70	15	on	on	ADP
fsr-3480	70	16	the	the	DET
fsr-3480	70	17	back	back	NOUN
fsr-3480	70	18	with	with	ADP
fsr-3480	70	19	figure	figure	NOUN
fsr-3480	70	20	number	number	NOUN
fsr-3480	70	21	,	,	PUNCT
fsr-3480	70	22	title	title	NOUN
fsr-3480	70	23	of	of	ADP
fsr-3480	70	24	paper	paper	NOUN
fsr-3480	70	25	,	,	PUNCT
fsr-3480	70	26	and	and	CCONJ
fsr-3480	70	27	author	author	NOUN
fsr-3480	70	28	’s	’s	PART
fsr-3480	70	29	name	name	NOUN
fsr-3480	70	30	.	.	PUNCT
fsr-3480	71	1	all	all	DET
fsr-3480	71	2	graphs	graph	NOUN
fsr-3480	71	3	and	and	CCONJ
fsr-3480	71	4	diagrams	diagram	NOUN
fsr-3480	71	5	should	should	AUX
fsr-3480	71	6	be	be	AUX
fsr-3480	71	7	referred	refer	VERB
fsr-3480	71	8	to	to	ADP
fsr-3480	71	9	as	as	ADP
fsr-3480	71	10	figures	figure	NOUN
fsr-3480	71	11	,	,	PUNCT
fsr-3480	71	12	and	and	CCONJ
fsr-3480	71	13	should	should	AUX
fsr-3480	71	14	be	be	AUX
fsr-3480	71	15	numbered	number	VERB
fsr-3480	71	16	consecutively	consecutively	ADV
fsr-3480	71	17	in	in	ADP
fsr-3480	71	18	the	the	DET
fsr-3480	71	19	text	text	NOUN
fsr-3480	71	20	in	in	ADP
fsr-3480	71	21	arabic	arabic	ADJ
fsr-3480	71	22	numerals	numeral	NOUN
fsr-3480	71	23	.	.	PUNCT
fsr-3480	72	1	illustration	illustration	NOUN
fsr-3480	72	2	for	for	ADP
fsr-3480	72	3	papers	paper	NOUN
fsr-3480	72	4	submitted	submit	VERB
fsr-3480	72	5	as	as	ADP
fsr-3480	72	6	electronic	electronic	ADJ
fsr-3480	72	7	manuscripts	manuscript	NOUN
fsr-3480	72	8	should	should	AUX
fsr-3480	72	9	be	be	AUX
fsr-3480	72	10	in	in	ADP
fsr-3480	72	11	traditional	traditional	ADJ
fsr-3480	72	12	form	form	NOUN
fsr-3480	72	13	.	.	PUNCT
fsr-3480	73	1	the	the	DET
fsr-3480	73	2	journal	journal	NOUN
fsr-3480	73	3	is	be	AUX
fsr-3480	73	4	not	not	PART
fsr-3480	73	5	printed	print	VERB
fsr-3480	73	6	in	in	ADP
fsr-3480	73	7	color	color	NOUN
fsr-3480	73	8	,	,	PUNCT
fsr-3480	73	9	so	so	ADV
fsr-3480	73	10	all	all	DET
fsr-3480	73	11	graphs	graph	NOUN
fsr-3480	73	12	and	and	CCONJ
fsr-3480	73	13	illustrations	illustration	NOUN
fsr-3480	73	14	should	should	AUX
fsr-3480	73	15	be	be	AUX
fsr-3480	73	16	in	in	ADP
fsr-3480	73	17	black	black	ADJ
fsr-3480	73	18	and	and	CCONJ
fsr-3480	73	19	white	white	ADJ
fsr-3480	73	20	.	.	PUNCT
fsr-3480	74	1	(	(	PUNCT
fsr-3480	74	2	12	12	NUM
fsr-3480	74	3	)	)	PUNCT
fsr-3480	74	4	tables	table	NOUN
fsr-3480	74	5	should	should	AUX
fsr-3480	74	6	be	be	AUX
fsr-3480	74	7	numbered	number	VERB
fsr-3480	74	8	consecutively	consecutively	ADV
fsr-3480	74	9	in	in	ADP
fsr-3480	74	10	the	the	DET
fsr-3480	74	11	text	text	NOUN
fsr-3480	74	12	in	in	ADP
fsr-3480	74	13	arabic	arabic	ADJ
fsr-3480	74	14	numerals	numeral	NOUN
fsr-3480	74	15	and	and	CCONJ
fsr-3480	74	16	printed	print	VERB
fsr-3480	74	17	on	on	ADP
fsr-3480	74	18	separate	separate	ADJ
fsr-3480	74	19	sheets	sheet	NOUN
fsr-3480	74	20	.	.	PUNCT
fsr-3480	75	1	any	any	DET
fsr-3480	75	2	manuscript	manuscript	NOUN
fsr-3480	75	3	which	which	PRON
fsr-3480	75	4	does	do	AUX
fsr-3480	75	5	not	not	PART
fsr-3480	75	6	conform	conform	VERB
fsr-3480	75	7	to	to	ADP
fsr-3480	75	8	the	the	DET
fsr-3480	75	9	above	above	ADJ
fsr-3480	75	10	instructions	instruction	NOUN
fsr-3480	75	11	will	will	AUX
fsr-3480	75	12	be	be	AUX
fsr-3480	75	13	returned	return	VERB
fsr-3480	75	14	for	for	ADP
fsr-3480	75	15	the	the	DET
fsr-3480	75	16	necessary	necessary	ADJ
fsr-3480	75	17	revision	revision	NOUN
fsr-3480	75	18	before	before	ADP
fsr-3480	75	19	publication	publication	NOUN
fsr-3480	75	20	.	.	PUNCT
fsr-3480	76	1	page	page	NOUN
fsr-3480	76	2	proofs	proof	NOUN
fsr-3480	76	3	will	will	AUX
fsr-3480	76	4	be	be	AUX
fsr-3480	76	5	sent	send	VERB
fsr-3480	76	6	to	to	ADP
fsr-3480	76	7	the	the	DET
fsr-3480	76	8	corresponding	corresponding	ADJ
fsr-3480	76	9	author	author	NOUN
fsr-3480	76	10	.	.	PUNCT
fsr-3480	77	1	proofs	proof	NOUN
fsr-3480	77	2	should	should	AUX
fsr-3480	77	3	be	be	AUX
fsr-3480	77	4	corrected	correct	VERB
fsr-3480	77	5	carefully	carefully	ADV
fsr-3480	77	6	;	;	PUNCT
fsr-3480	77	7	the	the	DET
fsr-3480	77	8	responsibility	responsibility	NOUN
fsr-3480	77	9	for	for	ADP
fsr-3480	77	10	detecting	detect	VERB
fsr-3480	77	11	errors	error	NOUN
fsr-3480	77	12	lies	lie	VERB
fsr-3480	77	13	with	with	ADP
fsr-3480	77	14	the	the	DET
fsr-3480	77	15	author	author	NOUN
fsr-3480	77	16	.	.	PUNCT
fsr-3480	78	1	corrections	correction	NOUN
fsr-3480	78	2	should	should	AUX
fsr-3480	78	3	be	be	AUX
fsr-3480	78	4	restricted	restrict	VERB
fsr-3480	78	5	to	to	ADP
fsr-3480	78	6	instances	instance	NOUN
fsr-3480	78	7	in	in	ADP
fsr-3480	78	8	which	which	PRON
fsr-3480	78	9	the	the	DET
fsr-3480	78	10	proof	proof	NOUN
fsr-3480	78	11	is	be	AUX
fsr-3480	78	12	at	at	ADP
fsr-3480	78	13	variance	variance	NOUN
fsr-3480	78	14	with	with	ADP
fsr-3480	78	15	the	the	DET
fsr-3480	78	16	manuscript	manuscript	NOUN
fsr-3480	78	17	.	.	PUNCT
fsr-3480	79	1	extensive	extensive	ADJ
fsr-3480	79	2	alterations	alteration	NOUN
fsr-3480	79	3	will	will	AUX
fsr-3480	79	4	be	be	AUX
fsr-3480	79	5	charged	charge	VERB
fsr-3480	79	6	.	.	PUNCT
fsr-3480	80	1	reprints	reprint	NOUN
fsr-3480	80	2	of	of	ADP
fsr-3480	80	3	your	your	PRON
fsr-3480	80	4	article	article	NOUN
fsr-3480	80	5	are	be	AUX
fsr-3480	80	6	available	available	ADJ
fsr-3480	80	7	at	at	ADP
fsr-3480	80	8	cost	cost	NOUN
fsr-3480	80	9	if	if	SCONJ
fsr-3480	80	10	they	they	PRON
fsr-3480	80	11	are	be	AUX
fsr-3480	80	12	ordered	order	VERB
fsr-3480	80	13	when	when	SCONJ
fsr-3480	80	14	the	the	DET
fsr-3480	80	15	proof	proof	NOUN
fsr-3480	80	16	is	be	AUX
fsr-3480	80	17	returned	return	VERB
fsr-3480	80	18	.	.	PUNCT
fsr-3480	81	1	financial	financial	ADJ
fsr-3480	81	2	services	service	NOUN
fsr-3480	81	3	review	review	NOUN
fsr-3480	81	4	(	(	PUNCT
fsr-3480	81	5	issn	issn	PROPN
fsr-3480	81	6	:	:	PUNCT
fsr-3480	81	7	1057	1057	NUM
fsr-3480	81	8	-	-	SYM
fsr-3480	81	9	0810	0810	NUM
fsr-3480	81	10	)	)	PUNCT
fsr-3480	81	11	academy	academy	NOUN
fsr-3480	81	12	of	of	ADP
fsr-3480	81	13	financial	financial	PROPN
fsr-3480	81	14	services	services	PROPN
fsr-3480	81	15	terrance	terrance	PROPN
fsr-3480	81	16	martin	martin	PROPN
fsr-3480	81	17	woodbury	woodbury	PROPN
fsr-3480	81	18	school	school	PROPN
fsr-3480	81	19	of	of	ADP
fsr-3480	81	20	business	business	PROPN
fsr-3480	81	21	utah	utah	PROPN
fsr-3480	81	22	valley	valley	PROPN
fsr-3480	81	23	university	university	PROPN
fsr-3480	81	24	800	800	NUM
fsr-3480	81	25	w.	w.	PROPN
fsr-3480	81	26	university	university	PROPN
fsr-3480	81	27	pkwy	pkwy	PROPN
fsr-3480	81	28	.	.	PUNCT
fsr-3480	82	1	orem	orem	PROPN
fsr-3480	82	2	,	,	PUNCT
fsr-3480	82	3	ut	ut	PROPN
fsr-3480	82	4	84058	84058	NUM
fsr-3480	82	5	(	(	PUNCT
fsr-3480	82	6	address	address	NOUN
fsr-3480	82	7	service	service	NOUN
fsr-3480	82	8	requested	request	VERB
fsr-3480	82	9	)	)	PUNCT