id	sid	tid	token	lemma	pos
fsr-3481	1	1	academy	academy	PROPN
fsr-3481	1	2	of	of	ADP
fsr-3481	1	3	financial	financial	ADJ
fsr-3481	1	4	services	service	NOUN
fsr-3481	1	5	officers	officer	NOUN
fsr-3481	1	6	president	president	PROPN
fsr-3481	1	7	inga	inga	PROPN
fsr-3481	1	8	timmerman	timmerman	PROPN
fsr-3481	1	9	california	california	PROPN
fsr-3481	1	10	state	state	PROPN
fsr-3481	1	11	university	university	PROPN
fsr-3481	1	12	,	,	PUNCT
fsr-3481	1	13	northridge	northridge	PROPN
fsr-3481	1	14	president	president	PROPN
fsr-3481	1	15	-	-	PUNCT
fsr-3481	1	16	elect	elect	PROPN
fsr-3481	1	17	executive	executive	ADJ
fsr-3481	1	18	vice	vice	NOUN
fsr-3481	1	19	president	president	NOUN
fsr-3481	1	20	-	-	PUNCT
fsr-3481	1	21	program	program	NOUN
fsr-3481	1	22	terrance	terrance	PROPN
fsr-3481	1	23	k.	k.	PROPN
fsr-3481	1	24	martin	martin	PROPN
fsr-3481	1	25	winston	winston	PROPN
fsr-3481	1	26	-	-	PUNCT
fsr-3481	1	27	salem	salem	PROPN
fsr-3481	1	28	state	state	PROPN
fsr-3481	1	29	university	university	PROPN
fsr-3481	1	30	vice	vice	NOUN
fsr-3481	1	31	president	president	NOUN
fsr-3481	1	32	-	-	PUNCT
fsr-3481	1	33	communications	communication	NOUN
fsr-3481	1	34	colleen	colleen	PROPN
fsr-3481	1	35	tokar	tokar	NOUN
fsr-3481	1	36	asaad	asaad	PROPN
fsr-3481	1	37	baldwin	baldwin	PROPN
fsr-3481	1	38	wallace	wallace	PROPN
fsr-3481	1	39	university	university	PROPN
fsr-3481	1	40	vice	vice	NOUN
fsr-3481	1	41	president	president	NOUN
fsr-3481	1	42	-	-	PUNCT
fsr-3481	1	43	finance	finance	NOUN
fsr-3481	1	44	thomas	thomas	PROPN
fsr-3481	1	45	p.	p.	PROPN
fsr-3481	1	46	langdon	langdon	PROPN
fsr-3481	1	47	roger	roger	PROPN
fsr-3481	1	48	williams	williams	PROPN
fsr-3481	1	49	university	university	PROPN
fsr-3481	1	50	vice	vice	PROPN
fsr-3481	1	51	president	president	PROPN
fsr-3481	1	52	-	-	PUNCT
fsr-3481	1	53	international	international	ADJ
fsr-3481	1	54	relations	relation	NOUN
fsr-3481	1	55	philip	philip	PROPN
fsr-3481	1	56	gibson	gibson	PROPN
fsr-3481	1	57	winthrop	winthrop	PROPN
fsr-3481	1	58	university	university	PROPN
fsr-3481	1	59	vice	vice	PROPN
fsr-3481	1	60	president	president	PROPN
fsr-3481	1	61	-	-	PUNCT
fsr-3481	1	62	mktg	mktg	PROPN
fsr-3481	1	63	&	&	CCONJ
fsr-3481	1	64	public	public	ADJ
fsr-3481	1	65	relations	relation	NOUN
fsr-3481	1	66	shawn	shawn	PROPN
fsr-3481	1	67	brayman	brayman	PROPN
fsr-3481	1	68	planplus	planplus	PROPN
fsr-3481	1	69	global	global	PROPN
fsr-3481	1	70	immediate	immediate	ADJ
fsr-3481	1	71	past	past	PROPN
fsr-3481	1	72	president	president	PROPN
fsr-3481	1	73	janine	janine	PROPN
fsr-3481	1	74	sam	sam	PROPN
fsr-3481	1	75	shepherd	shepherd	PROPN
fsr-3481	1	76	university	university	PROPN
fsr-3481	1	77	editor	editor	NOUN
fsr-3481	1	78	,	,	PUNCT
fsr-3481	1	79	financial	financial	ADJ
fsr-3481	1	80	services	service	NOUN
fsr-3481	1	81	review	review	VERB
fsr-3481	1	82	terrance	terrance	PROPN
fsr-3481	1	83	k.	k.	PROPN
fsr-3481	1	84	martin	martin	PROPN
fsr-3481	1	85	winston	winston	PROPN
fsr-3481	1	86	-	-	PUNCT
fsr-3481	1	87	salem	salem	PROPN
fsr-3481	1	88	state	state	NOUN
fsr-3481	1	89	university	university	NOUN
fsr-3481	1	90	directors	director	NOUN
fsr-3481	1	91	charles	charles	PROPN
fsr-3481	1	92	chaffin	chaffin	PROPN
fsr-3481	1	93	cfp	cfp	PROPN
fsr-3481	1	94	board	board	PROPN
fsr-3481	1	95	of	of	ADP
fsr-3481	1	96	standards	standard	NOUN
fsr-3481	1	97	lu	lu	PROPN
fsr-3481	1	98	fan	fan	PROPN
fsr-3481	1	99	university	university	PROPN
fsr-3481	1	100	of	of	ADP
fsr-3481	1	101	missouri	missouri	PROPN
fsr-3481	1	102	barry	barry	PROPN
fsr-3481	1	103	mulholland	mulholland	PROPN
fsr-3481	1	104	university	university	PROPN
fsr-3481	1	105	of	of	ADP
fsr-3481	1	106	akron	akron	PROPN
fsr-3481	1	107	tom	tom	PROPN
fsr-3481	1	108	potts	potts	PROPN
fsr-3481	1	109	baylor	baylor	PROPN
fsr-3481	1	110	university	university	PROPN
fsr-3481	1	111	laura	laura	PROPN
fsr-3481	1	112	ricaldi	ricaldi	VERB
fsr-3481	1	113	utah	utah	PROPN
fsr-3481	1	114	valley	valley	PROPN
fsr-3481	1	115	university	university	PROPN
fsr-3481	1	116	past	past	PROPN
fsr-3481	1	117	presidents	president	NOUN
fsr-3481	1	118	janine	janine	PROPN
fsr-3481	1	119	sam	sam	PROPN
fsr-3481	1	120	,	,	PUNCT
fsr-3481	1	121	2019	2019	NUM
fsr-3481	1	122	-	-	SYM
fsr-3481	1	123	20	20	NUM
fsr-3481	1	124	shepherd	shepherd	ADJ
fsr-3481	1	125	university	university	NOUN
fsr-3481	1	126	swarn	swarn	PROPN
fsr-3481	1	127	chatterjee	chatterjee	PROPN
fsr-3481	1	128	,	,	PUNCT
fsr-3481	1	129	2018	2018	NUM
fsr-3481	1	130	-	-	SYM
fsr-3481	1	131	19	19	NUM
fsr-3481	1	132	university	university	PROPN
fsr-3481	1	133	of	of	ADP
fsr-3481	1	134	georgia	georgia	PROPN
fsr-3481	1	135	robert	robert	PROPN
fsr-3481	1	136	moreschi	moreschi	PROPN
fsr-3481	1	137	,	,	PUNCT
fsr-3481	1	138	2016	2016	NUM
fsr-3481	1	139	-	-	SYM
fsr-3481	1	140	18	18	NUM
fsr-3481	1	141	virginia	virginia	PROPN
fsr-3481	1	142	military	military	PROPN
fsr-3481	1	143	institute	institute	PROPN
fsr-3481	1	144	thomas	thomas	PROPN
fsr-3481	1	145	coe	coe	PROPN
fsr-3481	1	146	,	,	PUNCT
fsr-3481	1	147	2015	2015	NUM
fsr-3481	1	148	-	-	SYM
fsr-3481	1	149	16	16	NUM
fsr-3481	1	150	quinnipiac	quinnipiac	PROPN
fsr-3481	1	151	university	university	PROPN
fsr-3481	1	152	william	william	PROPN
fsr-3481	1	153	chittenden	chittenden	PROPN
fsr-3481	1	154	,	,	PUNCT
fsr-3481	1	155	2014	2014	NUM
fsr-3481	1	156	-	-	SYM
fsr-3481	1	157	15	15	NUM
fsr-3481	1	158	texas	texas	PROPN
fsr-3481	1	159	state	state	PROPN
fsr-3481	1	160	university	university	PROPN
fsr-3481	1	161	lance	lance	PROPN
fsr-3481	1	162	palmer	palmer	PROPN
fsr-3481	1	163	,	,	PUNCT
fsr-3481	1	164	2013	2013	NUM
fsr-3481	1	165	-	-	SYM
fsr-3481	1	166	14	14	NUM
fsr-3481	1	167	university	university	PROPN
fsr-3481	1	168	of	of	ADP
fsr-3481	1	169	georgia	georgia	PROPN
fsr-3481	1	170	frank	frank	PROPN
fsr-3481	1	171	laatsch	laatsch	PROPN
fsr-3481	1	172	,	,	PUNCT
fsr-3481	1	173	2012	2012	NUM
fsr-3481	1	174	-	-	SYM
fsr-3481	1	175	13	13	NUM
fsr-3481	1	176	university	university	NOUN
fsr-3481	1	177	of	of	ADP
fsr-3481	1	178	southern	southern	PROPN
fsr-3481	1	179	mississippi	mississippi	PROPN
fsr-3481	1	180	brian	brian	PROPN
fsr-3481	1	181	boscaljon	boscaljon	PROPN
fsr-3481	1	182	,	,	PUNCT
fsr-3481	1	183	2011	2011	NUM
fsr-3481	1	184	-	-	SYM
fsr-3481	1	185	12	12	NUM
fsr-3481	1	186	penn	penn	PROPN
fsr-3481	1	187	state	state	PROPN
fsr-3481	1	188	university	university	PROPN
fsr-3481	1	189	-	-	PUNCT
fsr-3481	1	190	erie	erie	PROPN
fsr-3481	1	191	halil	halil	PROPN
fsr-3481	1	192	kiymaz	kiymaz	PROPN
fsr-3481	1	193	,	,	PUNCT
fsr-3481	1	194	2010	2010	NUM
fsr-3481	1	195	-	-	SYM
fsr-3481	1	196	11	11	NUM
fsr-3481	1	197	rollins	rollin	NOUN
fsr-3481	1	198	college	college	PROPN
fsr-3481	1	199	of	of	ADP
fsr-3481	1	200	business	business	PROPN
fsr-3481	1	201	david	david	PROPN
fsr-3481	1	202	lange	lange	PROPN
fsr-3481	1	203	,	,	PUNCT
fsr-3481	1	204	2009	2009	NUM
fsr-3481	1	205	-	-	SYM
fsr-3481	1	206	10	10	NUM
fsr-3481	1	207	auburn	auburn	NOUN
fsr-3481	1	208	university	university	PROPN
fsr-3481	1	209	,	,	PUNCT
fsr-3481	1	210	montgomery	montgomery	PROPN
fsr-3481	1	211	vickie	vickie	PROPN
fsr-3481	1	212	hampton	hampton	PROPN
fsr-3481	1	213	,	,	PUNCT
fsr-3481	1	214	2008	2008	NUM
fsr-3481	1	215	-	-	SYM
fsr-3481	1	216	09	09	NUM
fsr-3481	1	217	texas	texas	PROPN
fsr-3481	1	218	tech	tech	PROPN
fsr-3481	1	219	university	university	PROPN
fsr-3481	1	220	frank	frank	PROPN
fsr-3481	1	221	laatsch	laatsch	PROPN
fsr-3481	1	222	2007	2007	NUM
fsr-3481	1	223	-	-	SYM
fsr-3481	1	224	08	08	NUM
fsr-3481	1	225	university	university	PROPN
fsr-3481	1	226	of	of	ADP
fsr-3481	1	227	southern	southern	PROPN
fsr-3481	1	228	mississippi	mississippi	PROPN
fsr-3481	1	229	daniel	daniel	PROPN
fsr-3481	1	230	walz	walz	PROPN
fsr-3481	1	231	,	,	PUNCT
fsr-3481	1	232	2006	2006	NUM
fsr-3481	1	233	-	-	SYM
fsr-3481	1	234	07	07	NUM
fsr-3481	1	235	trinity	trinity	NOUN
fsr-3481	1	236	university	university	PROPN
fsr-3481	1	237	anne	anne	PROPN
fsr-3481	1	238	gleason	gleason	PROPN
fsr-3481	1	239	,	,	PUNCT
fsr-3481	1	240	2005	2005	NUM
fsr-3481	1	241	-	-	SYM
fsr-3481	1	242	06	06	NUM
fsr-3481	1	243	college	college	PROPN
fsr-3481	1	244	of	of	ADP
fsr-3481	1	245	charleston	charleston	PROPN
fsr-3481	1	246	stuart	stuart	PROPN
fsr-3481	1	247	michelson	michelson	PROPN
fsr-3481	1	248	,	,	PUNCT
fsr-3481	1	249	2004	2004	NUM
fsr-3481	1	250	-	-	SYM
fsr-3481	1	251	05	05	NUM
fsr-3481	1	252	stetson	stetson	PROPN
fsr-3481	1	253	university	university	PROPN
fsr-3481	1	254	grady	grady	PROPN
fsr-3481	1	255	perdue	perdue	PROPN
fsr-3481	1	256	,	,	PUNCT
fsr-3481	1	257	2003	2003	NUM
fsr-3481	1	258	-	-	SYM
fsr-3481	1	259	04	04	NUM
fsr-3481	1	260	university	university	PROPN
fsr-3481	1	261	of	of	ADP
fsr-3481	1	262	houston	houston	PROPN
fsr-3481	1	263	-	-	PUNCT
fsr-3481	1	264	clear	clear	PROPN
fsr-3481	1	265	lake	lake	PROPN
fsr-3481	1	266	vickie	vickie	PROPN
fsr-3481	1	267	bajtelsmit	bajtelsmit	NOUN
fsr-3481	1	268	,	,	PUNCT
fsr-3481	1	269	2002	2002	NUM
fsr-3481	1	270	-	-	SYM
fsr-3481	1	271	03	03	NUM
fsr-3481	1	272	colorado	colorado	PROPN
fsr-3481	1	273	state	state	PROPN
fsr-3481	1	274	university	university	PROPN
fsr-3481	1	275	karen	karen	PROPN
fsr-3481	1	276	eilers	eilers	PROPN
fsr-3481	1	277	lahey	lahey	PROPN
fsr-3481	1	278	,	,	PUNCT
fsr-3481	1	279	2001	2001	NUM
fsr-3481	1	280	-	-	SYM
fsr-3481	1	281	02	02	NUM
fsr-3481	1	282	university	university	PROPN
fsr-3481	1	283	of	of	ADP
fsr-3481	1	284	akron	akron	PROPN
fsr-3481	1	285	tom	tom	PROPN
fsr-3481	1	286	eyssell	eyssell	PROPN
fsr-3481	1	287	,	,	PUNCT
fsr-3481	1	288	2000	2000	NUM
fsr-3481	1	289	-	-	SYM
fsr-3481	1	290	01	01	NUM
fsr-3481	1	291	university	university	PROPN
fsr-3481	1	292	of	of	ADP
fsr-3481	1	293	missouri	missouri	PROPN
fsr-3481	1	294	-	-	PROPN
fsr-3481	1	295	st	st	PROPN
fsr-3481	1	296	.	.	PROPN
fsr-3481	1	297	louis	louis	PROPN
fsr-3481	1	298	jill	jill	PROPN
fsr-3481	1	299	lynn	lynn	PROPN
fsr-3481	1	300	vihtelic	vihtelic	PROPN
fsr-3481	1	301	,	,	PUNCT
fsr-3481	1	302	1999	1999	NUM
fsr-3481	1	303	-	-	SYM
fsr-3481	1	304	00	00	NUM
fsr-3481	1	305	saint	saint	PROPN
fsr-3481	1	306	mary	mary	PROPN
fsr-3481	1	307	’s	’s	PART
fsr-3481	1	308	college	college	PROPN
fsr-3481	1	309	terry	terry	PROPN
fsr-3481	1	310	zivney	zivney	PROPN
fsr-3481	1	311	,	,	PUNCT
fsr-3481	1	312	1998	1998	NUM
fsr-3481	1	313	-	-	SYM
fsr-3481	1	314	99	99	NUM
fsr-3481	1	315	ball	ball	NOUN
fsr-3481	1	316	state	state	NOUN
fsr-3481	1	317	university	university	PROPN
fsr-3481	1	318	don	don	PROPN
fsr-3481	1	319	holdren	holdren	NOUN
fsr-3481	1	320	,	,	PUNCT
fsr-3481	1	321	1997	1997	NUM
fsr-3481	1	322	-	-	SYM
fsr-3481	1	323	98	98	NUM
fsr-3481	1	324	marshall	marshall	PROPN
fsr-3481	1	325	university	university	PROPN
fsr-3481	1	326	robert	robert	PROPN
fsr-3481	1	327	mcleod	mcleod	PROPN
fsr-3481	1	328	,	,	PUNCT
fsr-3481	1	329	1996	1996	NUM
fsr-3481	1	330	-	-	SYM
fsr-3481	1	331	97	97	NUM
fsr-3481	1	332	university	university	PROPN
fsr-3481	1	333	of	of	ADP
fsr-3481	1	334	alabama	alabama	PROPN
fsr-3481	1	335	walt	walt	PROPN
fsr-3481	1	336	woerheide	woerheide	PROPN
fsr-3481	1	337	,	,	PUNCT
fsr-3481	1	338	1995	1995	NUM
fsr-3481	1	339	-	-	SYM
fsr-3481	1	340	96	96	NUM
fsr-3481	2	1	the	the	DET
fsr-3481	2	2	american	american	PROPN
fsr-3481	2	3	college	college	PROPN
fsr-3481	2	4	dixie	dixie	PROPN
fsr-3481	2	5	mills	mill	NOUN
fsr-3481	2	6	,	,	PUNCT
fsr-3481	2	7	1994	1994	NUM
fsr-3481	2	8	-	-	SYM
fsr-3481	2	9	95	95	NUM
fsr-3481	2	10	illinois	illinois	PROPN
fsr-3481	2	11	state	state	PROPN
fsr-3481	2	12	university	university	PROPN
fsr-3481	2	13	ted	te	VERB
fsr-3481	2	14	veit	veit	PROPN
fsr-3481	2	15	,	,	PUNCT
fsr-3481	2	16	1993	1993	NUM
fsr-3481	2	17	-	-	SYM
fsr-3481	2	18	94	94	NUM
fsr-3481	2	19	rollins	rollins	PROPN
fsr-3481	2	20	college	college	PROPN
fsr-3481	2	21	mona	mona	PROPN
fsr-3481	2	22	gardner	gardner	PROPN
fsr-3481	2	23	,	,	PUNCT
fsr-3481	2	24	1992	1992	NUM
fsr-3481	2	25	-	-	SYM
fsr-3481	2	26	93	93	NUM
fsr-3481	2	27	illinois	illinois	PROPN
fsr-3481	2	28	wesleyan	wesleyan	PROPN
fsr-3481	2	29	university	university	PROPN
fsr-3481	2	30	jean	jean	PROPN
fsr-3481	2	31	l.	l.	PROPN
fsr-3481	2	32	heck	heck	PROPN
fsr-3481	2	33	,	,	PUNCT
fsr-3481	2	34	1991	1991	NUM
fsr-3481	2	35	-	-	SYM
fsr-3481	2	36	92	92	NUM
fsr-3481	2	37	villanova	villanova	PROPN
fsr-3481	2	38	university	university	PROPN
fsr-3481	2	39	frank	frank	PROPN
fsr-3481	2	40	k.	k.	PROPN
fsr-3481	2	41	reilly	reilly	PROPN
fsr-3481	2	42	,	,	PUNCT
fsr-3481	2	43	1990	1990	NUM
fsr-3481	2	44	-	-	SYM
fsr-3481	2	45	91	91	NUM
fsr-3481	2	46	university	university	NOUN
fsr-3481	2	47	of	of	ADP
fsr-3481	2	48	notre	notre	PROPN
fsr-3481	2	49	dame	dame	PROPN
fsr-3481	2	50	lawrence	lawrence	PROPN
fsr-3481	2	51	j.	j.	PROPN
fsr-3481	2	52	gitman	gitman	PROPN
fsr-3481	2	53	,	,	PUNCT
fsr-3481	2	54	1989	1989	NUM
fsr-3481	2	55	-	-	SYM
fsr-3481	2	56	90	90	NUM
fsr-3481	2	57	san	san	PROPN
fsr-3481	2	58	diego	diego	PROPN
fsr-3481	2	59	state	state	PROPN
fsr-3481	2	60	university	university	PROPN
fsr-3481	2	61	travis	travis	PROPN
fsr-3481	2	62	s.	s.	PROPN
fsr-3481	2	63	pritchett	pritchett	PROPN
fsr-3481	2	64	,	,	PUNCT
fsr-3481	2	65	1988	1988	NUM
fsr-3481	2	66	-	-	SYM
fsr-3481	2	67	89	89	NUM
fsr-3481	2	68	university	university	NOUN
fsr-3481	2	69	of	of	ADP
fsr-3481	2	70	south	south	PROPN
fsr-3481	2	71	carolina	carolina	PROPN
fsr-3481	2	72	tom	tom	PROPN
fsr-3481	2	73	potts	potts	PROPN
fsr-3481	2	74	,	,	PUNCT
fsr-3481	2	75	1987	1987	NUM
fsr-3481	2	76	-	-	SYM
fsr-3481	2	77	88	88	NUM
fsr-3481	2	78	baylor	baylor	NOUN
fsr-3481	2	79	university	university	PROPN
fsr-3481	2	80	robert	robert	PROPN
fsr-3481	2	81	f.	f.	PROPN
fsr-3481	2	82	bohn	bohn	PROPN
fsr-3481	2	83	,	,	PUNCT
fsr-3481	2	84	1986	1986	NUM
fsr-3481	2	85	-	-	SYM
fsr-3481	2	86	87	87	NUM
fsr-3481	2	87	golden	golden	PROPN
fsr-3481	2	88	gate	gate	PROPN
fsr-3481	2	89	university	university	PROPN
fsr-3481	2	90	tom	tom	PROPN
fsr-3481	2	91	warschauer	warschauer	PROPN
fsr-3481	2	92	,	,	PUNCT
fsr-3481	2	93	1985	1985	NUM
fsr-3481	2	94	-	-	SYM
fsr-3481	2	95	86	86	NUM
fsr-3481	2	96	san	san	PROPN
fsr-3481	2	97	diego	diego	PROPN
fsr-3481	2	98	state	state	PROPN
fsr-3481	2	99	university	university	PROPN
fsr-3481	2	100	published	publish	VERB
fsr-3481	2	101	in	in	ADP
fsr-3481	2	102	collaboration	collaboration	NOUN
fsr-3481	2	103	with	with	ADP
fsr-3481	2	104	the	the	DET
fsr-3481	2	105	financial	financial	ADJ
fsr-3481	2	106	planning	planning	PROPN
fsr-3481	2	107	association	association	PROPN
fsr-3481	2	108	financial	financial	PROPN
fsr-3481	2	109	services	service	NOUN
fsr-3481	2	110	review	review	NOUN
fsr-3481	2	111	is	be	AUX
fsr-3481	2	112	the	the	DET
fsr-3481	2	113	journal	journal	NOUN
fsr-3481	2	114	of	of	ADP
fsr-3481	2	115	the	the	DET
fsr-3481	2	116	academy	academy	NOUN
fsr-3481	2	117	of	of	ADP
fsr-3481	2	118	financial	financial	ADJ
fsr-3481	2	119	services	service	NOUN
fsr-3481	2	120	,	,	PUNCT
fsr-3481	2	121	published	publish	VERB
fsr-3481	2	122	in	in	ADP
fsr-3481	2	123	collaboration	collaboration	NOUN
fsr-3481	2	124	with	with	ADP
fsr-3481	2	125	the	the	DET
fsr-3481	2	126	financial	financial	ADJ
fsr-3481	2	127	planning	planning	PROPN
fsr-3481	2	128	association	association	PROPN
fsr-3481	2	129	.	.	PUNCT
fsr-3481	3	1	membership	membership	NOUN
fsr-3481	3	2	dues	due	NOUN
fsr-3481	3	3	of	of	ADP
fsr-3481	3	4	$	$	SYM
fsr-3481	3	5	125	125	NUM
fsr-3481	3	6	to	to	ADP
fsr-3481	3	7	the	the	DET
fsr-3481	3	8	academy	academy	NOUN
fsr-3481	3	9	include	include	VERB
fsr-3481	3	10	a	a	DET
fsr-3481	3	11	one	one	NUM
fsr-3481	3	12	-	-	PUNCT
fsr-3481	3	13	year	year	NOUN
fsr-3481	3	14	subscription	subscription	NOUN
fsr-3481	3	15	to	to	ADP
fsr-3481	3	16	the	the	DET
fsr-3481	3	17	journal	journal	NOUN
fsr-3481	3	18	.	.	PUNCT
fsr-3481	4	1	financial	financial	ADJ
fsr-3481	4	2	planning	planning	PROPN
fsr-3481	4	3	association	association	NOUN
fsr-3481	4	4	members	member	NOUN
fsr-3481	4	5	receive	receive	VERB
fsr-3481	4	6	digital	digital	ADJ
fsr-3481	4	7	access	access	NOUN
fsr-3481	4	8	to	to	ADP
fsr-3481	4	9	the	the	DET
fsr-3481	4	10	current	current	ADJ
fsr-3481	4	11	volume	volume	NOUN
fsr-3481	4	12	/	/	SYM
fsr-3481	4	13	issue	issue	NOUN
fsr-3481	4	14	of	of	ADP
fsr-3481	4	15	the	the	DET
fsr-3481	4	16	journal	journal	NOUN
fsr-3481	4	17	.	.	PUNCT
fsr-3481	5	1	institutional	institutional	ADJ
fsr-3481	5	2	membership	membership	NOUN
fsr-3481	5	3	to	to	ADP
fsr-3481	5	4	academy	academy	PROPN
fsr-3481	5	5	of	of	ADP
fsr-3481	5	6	financial	financial	ADJ
fsr-3481	5	7	services	service	NOUN
fsr-3481	5	8	is	be	AUX
fsr-3481	5	9	$	$	SYM
fsr-3481	5	10	250	250	NUM
fsr-3481	5	11	and	and	CCONJ
fsr-3481	5	12	includes	include	VERB
fsr-3481	5	13	the	the	DET
fsr-3481	5	14	four	four	NUM
fsr-3481	5	15	annual	annual	ADJ
fsr-3481	5	16	issues	issue	NOUN
fsr-3481	5	17	of	of	ADP
fsr-3481	5	18	fsr	fsr	PROPN
fsr-3481	5	19	.	.	PUNCT
fsr-3481	6	1	how	how	SCONJ
fsr-3481	6	2	to	to	PART
fsr-3481	6	3	submit	submit	VERB
fsr-3481	6	4	:	:	PUNCT
fsr-3481	6	5	there	there	PRON
fsr-3481	6	6	is	be	VERB
fsr-3481	6	7	a	a	DET
fsr-3481	6	8	$	$	SYM
fsr-3481	6	9	100	100	NUM
fsr-3481	6	10	submission	submission	NOUN
fsr-3481	6	11	fee	fee	NOUN
fsr-3481	6	12	payable	payable	ADJ
fsr-3481	6	13	to	to	ADP
fsr-3481	6	14	the	the	DET
fsr-3481	6	15	academy	academy	NOUN
fsr-3481	6	16	of	of	ADP
fsr-3481	6	17	financial	financial	ADJ
fsr-3481	6	18	services	service	NOUN
fsr-3481	6	19	(	(	PUNCT
fsr-3481	6	20	afs	afs	NOUN
fsr-3481	6	21	)	)	PUNCT
fsr-3481	6	22	for	for	ADP
fsr-3481	6	23	all	all	DET
fsr-3481	6	24	submissions	submission	NOUN
fsr-3481	6	25	to	to	ADP
fsr-3481	6	26	fsr	fsr	PROPN
fsr-3481	6	27	.	.	PUNCT
fsr-3481	7	1	submission	submission	NOUN
fsr-3481	7	2	fees	fee	NOUN
fsr-3481	7	3	should	should	AUX
fsr-3481	7	4	be	be	AUX
fsr-3481	7	5	paid	pay	VERB
fsr-3481	7	6	online	online	ADV
fsr-3481	7	7	at	at	ADP
fsr-3481	7	8	academyfinancial.org	academyfinancial.org	NOUN
fsr-3481	7	9	.	.	PUNCT
fsr-3481	8	1	if	if	SCONJ
fsr-3481	8	2	none	none	NOUN
fsr-3481	8	3	of	of	ADP
fsr-3481	8	4	the	the	DET
fsr-3481	8	5	authors	author	NOUN
fsr-3481	8	6	is	be	AUX
fsr-3481	8	7	a	a	DET
fsr-3481	8	8	member	member	NOUN
fsr-3481	8	9	of	of	ADP
fsr-3481	8	10	afs	afs	NOUN
fsr-3481	8	11	,	,	PUNCT
fsr-3481	8	12	please	please	INTJ
fsr-3481	8	13	complete	complete	VERB
fsr-3481	8	14	an	an	DET
fsr-3481	8	15	online	online	ADJ
fsr-3481	8	16	membership	membership	NOUN
fsr-3481	8	17	application	application	NOUN
fsr-3481	8	18	form	form	NOUN
fsr-3481	8	19	,	,	PUNCT
fsr-3481	8	20	which	which	PRON
fsr-3481	8	21	can	can	AUX
fsr-3481	8	22	be	be	AUX
fsr-3481	8	23	downloaded	download	VERB
fsr-3481	8	24	at	at	ADP
fsr-3481	8	25	http://academyfinancial.org	http://academyfinancial.org	PROPN
fsr-3481	8	26	.	.	PUNCT
fsr-3481	9	1	when	when	SCONJ
fsr-3481	9	2	authors	author	NOUN
fsr-3481	9	3	pay	pay	VERB
fsr-3481	9	4	the	the	DET
fsr-3481	9	5	$	$	SYM
fsr-3481	9	6	100	100	NUM
fsr-3481	9	7	submission	submission	NOUN
fsr-3481	9	8	fee	fee	NOUN
fsr-3481	9	9	and	and	CCONJ
fsr-3481	9	10	are	be	AUX
fsr-3481	9	11	not	not	PART
fsr-3481	9	12	currently	currently	ADV
fsr-3481	9	13	members	member	NOUN
fsr-3481	9	14	,	,	PUNCT
fsr-3481	9	15	they	they	PRON
fsr-3481	9	16	receive	receive	VERB
fsr-3481	9	17	their	their	PRON
fsr-3481	9	18	first	first	ADJ
fsr-3481	9	19	year	year	NOUN
fsr-3481	9	20	of	of	ADP
fsr-3481	9	21	afs	afs	NOUN
fsr-3481	9	22	membership	membership	NOUN
fsr-3481	9	23	at	at	ADP
fsr-3481	9	24	no	no	DET
fsr-3481	9	25	charge	charge	NOUN
fsr-3481	9	26	.	.	PUNCT
fsr-3481	10	1	a	a	DET
fsr-3481	10	2	submission	submission	NOUN
fsr-3481	10	3	fee	fee	NOUN
fsr-3481	10	4	of	of	ADP
fsr-3481	10	5	$	$	SYM
fsr-3481	10	6	100	100	NUM
fsr-3481	10	7	per	per	ADP
fsr-3481	10	8	article	article	NOUN
fsr-3481	10	9	should	should	AUX
fsr-3481	10	10	be	be	AUX
fsr-3481	10	11	paid	pay	VERB
fsr-3481	10	12	at	at	ADP
fsr-3481	10	13	:	:	PUNCT
fsr-3481	10	14	https://academyoffinancialservices.wildapricot.org/submit-an-article	https://academyoffinancialservices.wildapricot.org/submit-an-article	PROPN
fsr-3481	10	15	.	.	PUNCT
fsr-3481	11	1	submit	submit	VERB
fsr-3481	11	2	your	your	PRON
fsr-3481	11	3	article	article	NOUN
fsr-3481	11	4	electronically	electronically	ADV
fsr-3481	11	5	as	as	ADP
fsr-3481	11	6	an	an	DET
fsr-3481	11	7	email	email	NOUN
fsr-3481	11	8	attachment	attachment	NOUN
fsr-3481	11	9	in	in	ADP
fsr-3481	11	10	word	word	NOUN
fsr-3481	11	11	format	format	NOUN
fsr-3481	11	12	only	only	ADV
fsr-3481	11	13	(	(	PUNCT
fsr-3481	11	14	no	no	DET
fsr-3481	11	15	pdfs	pdfs	NOUN
fsr-3481	11	16	please	please	INTJ
fsr-3481	11	17	)	)	PUNCT
fsr-3481	11	18	to	to	ADP
fsr-3481	11	19	the	the	DET
fsr-3481	11	20	editor	editor	NOUN
fsr-3481	11	21	terrance	terrance	PROPN
fsr-3481	11	22	k.	k.	PROPN
fsr-3481	11	23	martin	martin	PROPN
fsr-3481	11	24	at	at	ADP
fsr-3481	11	25	martintk@wssu.edu	martintk@wssu.edu	PROPN
fsr-3481	11	26	.	.	PUNCT
fsr-3481	12	1	style	style	NOUN
fsr-3481	12	2	information	information	NOUN
fsr-3481	12	3	for	for	ADP
fsr-3481	12	4	the	the	DET
fsr-3481	12	5	manuscripts	manuscript	NOUN
fsr-3481	12	6	can	can	AUX
fsr-3481	12	7	be	be	AUX
fsr-3481	12	8	found	find	VERB
fsr-3481	12	9	on	on	ADP
fsr-3481	12	10	the	the	DET
fsr-3481	12	11	inside	inside	ADJ
fsr-3481	12	12	back	back	ADJ
fsr-3481	12	13	cover	cover	NOUN
fsr-3481	12	14	of	of	ADP
fsr-3481	12	15	this	this	DET
fsr-3481	12	16	journal	journal	NOUN
fsr-3481	12	17	.	.	PUNCT
fsr-3481	13	1	copyright	copyright	NOUN
fsr-3481	13	2	©	©	PROPN
fsr-3481	13	3	2022	2022	NUM
fsr-3481	13	4	academy	academy	NOUN
fsr-3481	13	5	of	of	ADP
fsr-3481	13	6	financial	financial	ADJ
fsr-3481	13	7	services	service	NOUN
fsr-3481	13	8	.	.	PUNCT
fsr-3481	14	1	all	all	DET
fsr-3481	14	2	rights	right	NOUN
fsr-3481	14	3	of	of	ADP
fsr-3481	14	4	reproduction	reproduction	NOUN
fsr-3481	14	5	in	in	ADP
fsr-3481	14	6	any	any	DET
fsr-3481	14	7	form	form	NOUN
fsr-3481	14	8	reserved	reserve	VERB
fsr-3481	14	9	.	.	PUNCT
fsr-3481	15	1	financial	financial	ADJ
fsr-3481	15	2	services	service	NOUN
fsr-3481	15	3	review	review	VERB
fsr-3481	15	4	the	the	DET
fsr-3481	15	5	journal	journal	NOUN
fsr-3481	15	6	of	of	ADP
fsr-3481	15	7	individual	individual	ADJ
fsr-3481	15	8	financial	financial	ADJ
fsr-3481	15	9	management	management	NOUN
fsr-3481	15	10	vol	vol	NOUN
fsr-3481	15	11	.	.	PROPN
fsr-3481	16	1	30	30	NUM
fsr-3481	16	2	,	,	PUNCT
fsr-3481	16	3	no	no	INTJ
fsr-3481	16	4	.	.	NOUN
fsr-3481	16	5	3	3	NUM
fsr-3481	16	6	,	,	PUNCT
fsr-3481	16	7	2022	2022	NUM
fsr-3481	16	8	editor	editor	NOUN
fsr-3481	16	9	terrance	terrance	PROPN
fsr-3481	16	10	k.	k.	PROPN
fsr-3481	16	11	martin	martin	PROPN
fsr-3481	16	12	,	,	PUNCT
fsr-3481	17	1	winston	winston	PROPN
fsr-3481	17	2	-	-	PUNCT
fsr-3481	17	3	salem	salem	PROPN
fsr-3481	17	4	state	state	NOUN
fsr-3481	17	5	university	university	NOUN
fsr-3481	17	6	associate	associate	NOUN
fsr-3481	17	7	editors	editor	NOUN
fsr-3481	17	8	benefits	benefit	NOUN
fsr-3481	17	9	and	and	CCONJ
fsr-3481	17	10	retirement	retirement	NOUN
fsr-3481	17	11	planning	planning	NOUN
fsr-3481	17	12	vickie	vickie	PROPN
fsr-3481	17	13	bajtelsmit	bajtelsmit	PROPN
fsr-3481	17	14	colorado	colorado	PROPN
fsr-3481	17	15	state	state	PROPN
fsr-3481	17	16	university	university	PROPN
fsr-3481	17	17	stephen	stephen	PROPN
fsr-3481	17	18	m.	m.	PROPN
fsr-3481	17	19	horan	horan	PROPN
fsr-3481	17	20	cfa	cfa	PROPN
fsr-3481	17	21	institute	institute	PROPN
fsr-3481	17	22	walter	walter	PROPN
fsr-3481	17	23	woerheide	woerheide	VERB
fsr-3481	17	24	the	the	DET
fsr-3481	17	25	american	american	PROPN
fsr-3481	17	26	college	college	PROPN
fsr-3481	17	27	estate	estate	PROPN
fsr-3481	17	28	planning	planning	PROPN
fsr-3481	17	29	anne	anne	PROPN
fsr-3481	17	30	wenger	wenger	PROPN
fsr-3481	17	31	san	san	PROPN
fsr-3481	17	32	diego	diego	PROPN
fsr-3481	17	33	state	state	PROPN
fsr-3481	17	34	university	university	PROPN
fsr-3481	17	35	giovanni	giovanni	PROPN
fsr-3481	17	36	fernandez	fernandez	PROPN
fsr-3481	17	37	stetson	stetson	PROPN
fsr-3481	17	38	university	university	PROPN
fsr-3481	17	39	investments	investments	PROPN
fsr-3481	17	40	robert	robert	PROPN
fsr-3481	17	41	brooks	brooks	PROPN
fsr-3481	17	42	university	university	PROPN
fsr-3481	17	43	of	of	ADP
fsr-3481	17	44	alabama	alabama	PROPN
fsr-3481	17	45	john	john	PROPN
fsr-3481	17	46	clinebell	clinebell	PROPN
fsr-3481	17	47	university	university	PROPN
fsr-3481	17	48	of	of	ADP
fsr-3481	17	49	northern	northern	PROPN
fsr-3481	17	50	colorado	colorado	PROPN
fsr-3481	17	51	james	james	PROPN
fsr-3481	17	52	dilellio	dilellio	PROPN
fsr-3481	17	53	pepperdine	pepperdine	PROPN
fsr-3481	17	54	university	university	PROPN
fsr-3481	17	55	dale	dale	PROPN
fsr-3481	17	56	domian	domian	PROPN
fsr-3481	17	57	york	york	PROPN
fsr-3481	17	58	university	university	PROPN
fsr-3481	17	59	jim	jim	PROPN
fsr-3481	17	60	gilkeson	gilkeson	PROPN
fsr-3481	17	61	university	university	PROPN
fsr-3481	17	62	of	of	ADP
fsr-3481	17	63	central	central	PROPN
fsr-3481	17	64	florida	florida	PROPN
fsr-3481	17	65	william	william	PROPN
fsr-3481	17	66	jennings	jennings	PROPN
fsr-3481	17	67	united	united	PROPN
fsr-3481	17	68	states	states	PROPN
fsr-3481	17	69	air	air	PROPN
fsr-3481	17	70	force	force	PROPN
fsr-3481	17	71	academy	academy	PROPN
fsr-3481	17	72	david	david	PROPN
fsr-3481	17	73	nanigian	nanigian	PROPN
fsr-3481	17	74	csu	csu	PROPN
fsr-3481	17	75	fullerton	fullerton	PROPN
fsr-3481	17	76	insurance	insurance	PROPN
fsr-3481	17	77	larry	larry	PROPN
fsr-3481	17	78	cox	cox	PROPN
fsr-3481	17	79	university	university	PROPN
fsr-3481	17	80	of	of	ADP
fsr-3481	17	81	mississippi	mississippi	PROPN
fsr-3481	17	82	financial	financial	PROPN
fsr-3481	17	83	planning	planning	PROPN
fsr-3481	17	84	swarn	swarn	PROPN
fsr-3481	17	85	chatterjee	chatterjee	PROPN
fsr-3481	17	86	university	university	PROPN
fsr-3481	17	87	of	of	ADP
fsr-3481	17	88	georgia	georgia	PROPN
fsr-3481	17	89	sherman	sherman	PROPN
fsr-3481	17	90	hanna	hanna	PROPN
fsr-3481	17	91	ohio	ohio	PROPN
fsr-3481	17	92	state	state	PROPN
fsr-3481	17	93	university	university	PROPN
fsr-3481	17	94	patti	patti	PROPN
fsr-3481	17	95	fisher	fisher	PROPN
fsr-3481	17	96	virginia	virginia	PROPN
fsr-3481	17	97	tech	tech	PROPN
fsr-3481	17	98	university	university	PROPN
fsr-3481	17	99	wade	wade	PROPN
fsr-3481	17	100	d.	d.	PROPN
fsr-3481	17	101	pfau	pfau	VERB
fsr-3481	17	102	the	the	DET
fsr-3481	17	103	american	american	PROPN
fsr-3481	17	104	college	college	PROPN
fsr-3481	17	105	john	john	PROPN
fsr-3481	17	106	salter	salter	PROPN
fsr-3481	17	107	texas	texas	PROPN
fsr-3481	17	108	tech	tech	PROPN
fsr-3481	17	109	university	university	PROPN
fsr-3481	17	110	financial	financial	ADJ
fsr-3481	17	111	institutions	institution	NOUN
fsr-3481	17	112	stanley	stanley	PROPN
fsr-3481	17	113	d.	d.	PROPN
fsr-3481	17	114	smith	smith	PROPN
fsr-3481	17	115	university	university	PROPN
fsr-3481	17	116	of	of	ADP
fsr-3481	17	117	central	central	PROPN
fsr-3481	17	118	florida	florida	PROPN
fsr-3481	17	119	investor	investor	NOUN
fsr-3481	17	120	psychology	psychology	NOUN
fsr-3481	17	121	and	and	CCONJ
fsr-3481	17	122	counseling	counsel	VERB
fsr-3481	17	123	john	john	PROPN
fsr-3481	17	124	nofsinger	nofsinger	PROPN
fsr-3481	17	125	washington	washington	PROPN
fsr-3481	17	126	state	state	PROPN
fsr-3481	17	127	university	university	PROPN
fsr-3481	17	128	meir	meir	PROPN
fsr-3481	17	129	statman	statman	PROPN
fsr-3481	17	130	santa	santa	PROPN
fsr-3481	17	131	clara	clara	PROPN
fsr-3481	17	132	university	university	PROPN
fsr-3481	17	133	financial	financial	ADJ
fsr-3481	17	134	literacy	literacy	NOUN
fsr-3481	17	135	ning	ning	PROPN
fsr-3481	17	136	tang	tang	PROPN
fsr-3481	17	137	san	san	PROPN
fsr-3481	17	138	diego	diego	PROPN
fsr-3481	17	139	state	state	PROPN
fsr-3481	17	140	university	university	PROPN
fsr-3481	17	141	international	international	PROPN
fsr-3481	17	142	lawrence	lawrence	PROPN
fsr-3481	17	143	rose	rise	VERB
fsr-3481	17	144	massey	massey	PROPN
fsr-3481	17	145	university	university	PROPN
fsr-3481	17	146	education	education	PROPN
fsr-3481	17	147	jerry	jerry	PROPN
fsr-3481	17	148	stevens	stevens	PROPN
fsr-3481	17	149	university	university	PROPN
fsr-3481	17	150	of	of	ADP
fsr-3481	17	151	richmond	richmond	PROPN
fsr-3481	17	152	financial	financial	ADJ
fsr-3481	17	153	planning	planning	NOUN
fsr-3481	17	154	profession	profession	NOUN
fsr-3481	17	155	tom	tom	PROPN
fsr-3481	17	156	warschauer	warschauer	PROPN
fsr-3481	17	157	san	san	PROPN
fsr-3481	17	158	diego	diego	PROPN
fsr-3481	17	159	state	state	PROPN
fsr-3481	17	160	university	university	PROPN
fsr-3481	17	161	co	co	VERB
fsr-3481	17	162	-	-	VERB
fsr-3481	17	163	published	publish	VERB
fsr-3481	17	164	by	by	ADP
fsr-3481	17	165	the	the	DET
fsr-3481	17	166	academy	academy	NOUN
fsr-3481	17	167	of	of	ADP
fsr-3481	17	168	financial	financial	ADJ
fsr-3481	17	169	services	service	NOUN
fsr-3481	17	170	and	and	CCONJ
fsr-3481	17	171	the	the	DET
fsr-3481	17	172	financial	financial	ADJ
fsr-3481	17	173	planning	planning	NOUN
fsr-3481	17	174	association	association	PROPN
fsr-3481	17	175	the	the	DET
fsr-3481	17	176	editor	editor	NOUN
fsr-3481	17	177	of	of	ADP
fsr-3481	17	178	financial	financial	ADJ
fsr-3481	17	179	services	service	NOUN
fsr-3481	17	180	review	review	VERB
fsr-3481	17	181	wishes	wish	VERB
fsr-3481	17	182	to	to	PART
fsr-3481	17	183	thank	thank	VERB
fsr-3481	17	184	the	the	DET
fsr-3481	17	185	stetson	stetson	NOUN
fsr-3481	17	186	university	university	NOUN
fsr-3481	17	187	,	,	PUNCT
fsr-3481	17	188	school	school	NOUN
fsr-3481	17	189	of	of	ADP
fsr-3481	17	190	business	business	NOUN
fsr-3481	17	191	,	,	PUNCT
fsr-3481	17	192	for	for	ADP
fsr-3481	17	193	its	its	PRON
fsr-3481	17	194	continuing	continue	VERB
fsr-3481	17	195	financial	financial	ADJ
fsr-3481	17	196	and	and	CCONJ
fsr-3481	17	197	intellectual	intellectual	ADJ
fsr-3481	17	198	support	support	NOUN
fsr-3481	17	199	of	of	ADP
fsr-3481	17	200	the	the	DET
fsr-3481	17	201	journal	journal	NOUN
fsr-3481	17	202	.	.	PUNCT
fsr-3481	18	1	aims	aim	NOUN
fsr-3481	18	2	and	and	CCONJ
fsr-3481	18	3	scope	scope	NOUN
fsr-3481	18	4	:	:	PUNCT
fsr-3481	18	5	financial	financial	ADJ
fsr-3481	18	6	services	service	NOUN
fsr-3481	18	7	review	review	NOUN
fsr-3481	18	8	is	be	AUX
fsr-3481	18	9	the	the	DET
fsr-3481	18	10	official	official	ADJ
fsr-3481	18	11	publication	publication	NOUN
fsr-3481	18	12	of	of	ADP
fsr-3481	18	13	the	the	DET
fsr-3481	18	14	academy	academy	NOUN
fsr-3481	18	15	of	of	ADP
fsr-3481	18	16	financial	financial	ADJ
fsr-3481	18	17	services	service	NOUN
fsr-3481	18	18	.	.	PUNCT
fsr-3481	19	1	the	the	DET
fsr-3481	19	2	purpose	purpose	NOUN
fsr-3481	19	3	of	of	ADP
fsr-3481	19	4	this	this	DET
fsr-3481	19	5	refereed	refereed	ADJ
fsr-3481	19	6	academic	academic	ADJ
fsr-3481	19	7	journal	journal	NOUN
fsr-3481	19	8	is	be	AUX
fsr-3481	19	9	to	to	PART
fsr-3481	19	10	encourage	encourage	VERB
fsr-3481	19	11	rigorous	rigorous	ADJ
fsr-3481	19	12	empirical	empirical	ADJ
fsr-3481	19	13	research	research	NOUN
fsr-3481	19	14	that	that	PRON
fsr-3481	19	15	examines	examine	VERB
fsr-3481	19	16	individual	individual	ADJ
fsr-3481	19	17	behavior	behavior	NOUN
fsr-3481	19	18	in	in	ADP
fsr-3481	19	19	terms	term	NOUN
fsr-3481	19	20	of	of	ADP
fsr-3481	19	21	financial	financial	ADJ
fsr-3481	19	22	planning	planning	NOUN
fsr-3481	19	23	and	and	CCONJ
fsr-3481	19	24	services	service	NOUN
fsr-3481	19	25	.	.	PUNCT
fsr-3481	20	1	in	in	ADP
fsr-3481	20	2	contrast	contrast	NOUN
fsr-3481	20	3	to	to	ADP
fsr-3481	20	4	the	the	DET
fsr-3481	20	5	many	many	ADJ
fsr-3481	20	6	corporate	corporate	ADJ
fsr-3481	20	7	or	or	CCONJ
fsr-3481	20	8	institutional	institutional	ADJ
fsr-3481	20	9	journals	journal	NOUN
fsr-3481	20	10	that	that	PRON
fsr-3481	20	11	are	be	AUX
fsr-3481	20	12	available	available	ADJ
fsr-3481	20	13	in	in	ADP
fsr-3481	20	14	finance	finance	NOUN
fsr-3481	20	15	,	,	PUNCT
fsr-3481	20	16	the	the	DET
fsr-3481	20	17	focus	focus	NOUN
fsr-3481	20	18	of	of	ADP
fsr-3481	20	19	this	this	DET
fsr-3481	20	20	journal	journal	NOUN
fsr-3481	20	21	is	be	AUX
fsr-3481	20	22	on	on	ADP
fsr-3481	20	23	individual	individual	ADJ
fsr-3481	20	24	financial	financial	ADJ
fsr-3481	20	25	issues	issue	NOUN
fsr-3481	20	26	.	.	PUNCT
fsr-3481	21	1	the	the	DET
fsr-3481	21	2	journal	journal	NOUN
fsr-3481	21	3	provides	provide	VERB
fsr-3481	21	4	a	a	DET
fsr-3481	21	5	forum	forum	NOUN
fsr-3481	21	6	for	for	ADP
fsr-3481	21	7	those	those	PRON
fsr-3481	21	8	who	who	PRON
fsr-3481	21	9	are	be	AUX
fsr-3481	21	10	interested	interested	ADJ
fsr-3481	21	11	in	in	ADP
fsr-3481	21	12	the	the	DET
fsr-3481	21	13	individual	individual	ADJ
fsr-3481	21	14	perspective	perspective	NOUN
fsr-3481	21	15	on	on	ADP
fsr-3481	21	16	issues	issue	NOUN
fsr-3481	21	17	in	in	ADP
fsr-3481	21	18	the	the	DET
fsr-3481	21	19	areas	area	NOUN
fsr-3481	21	20	of	of	ADP
fsr-3481	21	21	financial	financial	ADJ
fsr-3481	21	22	services	service	NOUN
fsr-3481	21	23	,	,	PUNCT
fsr-3481	21	24	employee	employee	NOUN
fsr-3481	21	25	benefits	benefit	NOUN
fsr-3481	21	26	,	,	PUNCT
fsr-3481	21	27	estate	estate	NOUN
fsr-3481	21	28	and	and	CCONJ
fsr-3481	21	29	tax	tax	NOUN
fsr-3481	21	30	planning	planning	NOUN
fsr-3481	21	31	,	,	PUNCT
fsr-3481	21	32	financial	financial	ADJ
fsr-3481	21	33	counseling	counseling	NOUN
fsr-3481	21	34	,	,	PUNCT
fsr-3481	21	35	financial	financial	ADJ
fsr-3481	21	36	planning	planning	NOUN
fsr-3481	21	37	,	,	PUNCT
fsr-3481	21	38	insurance	insurance	NOUN
fsr-3481	21	39	,	,	PUNCT
fsr-3481	21	40	investments	investment	NOUN
fsr-3481	21	41	,	,	PUNCT
fsr-3481	21	42	mutual	mutual	ADJ
fsr-3481	21	43	funds	fund	NOUN
fsr-3481	21	44	,	,	PUNCT
fsr-3481	21	45	pension	pension	NOUN
fsr-3481	21	46	and	and	CCONJ
fsr-3481	21	47	retirement	retirement	NOUN
fsr-3481	21	48	planning	planning	NOUN
fsr-3481	21	49	,	,	PUNCT
fsr-3481	21	50	and	and	CCONJ
fsr-3481	21	51	real	real	ADJ
fsr-3481	21	52	estate	estate	NOUN
fsr-3481	21	53	.	.	PUNCT
fsr-3481	22	1	publication	publication	NOUN
fsr-3481	22	2	information	information	NOUN
fsr-3481	22	3	.	.	PUNCT
fsr-3481	23	1	financial	financial	ADJ
fsr-3481	23	2	services	service	NOUN
fsr-3481	23	3	review	review	NOUN
fsr-3481	23	4	is	be	AUX
fsr-3481	23	5	co	co	VERB
fsr-3481	23	6	-	-	VERB
fsr-3481	23	7	published	publish	VERB
fsr-3481	23	8	quarterly	quarterly	NOUN
fsr-3481	23	9	by	by	ADP
fsr-3481	23	10	the	the	DET
fsr-3481	23	11	academy	academy	PROPN
fsr-3481	23	12	of	of	ADP
fsr-3481	23	13	financial	financial	ADJ
fsr-3481	23	14	services	service	NOUN
fsr-3481	23	15	,	,	PUNCT
fsr-3481	23	16	and	and	CCONJ
fsr-3481	23	17	the	the	DET
fsr-3481	23	18	financial	financial	ADJ
fsr-3481	23	19	planning	planning	PROPN
fsr-3481	23	20	association	association	PROPN
fsr-3481	23	21	.	.	PUNCT
fsr-3481	24	1	institutional	institutional	ADJ
fsr-3481	24	2	subscription	subscription	NOUN
fsr-3481	24	3	price	price	NOUN
fsr-3481	24	4	is	be	AUX
fsr-3481	24	5	$	$	SYM
fsr-3481	24	6	250	250	NUM
fsr-3481	24	7	.	.	PUNCT
fsr-3481	25	1	academic	academic	ADJ
fsr-3481	25	2	subscription	subscription	NOUN
fsr-3481	25	3	price	price	NOUN
fsr-3481	25	4	is	be	AUX
fsr-3481	25	5	$	$	SYM
fsr-3481	25	6	125	125	NUM
fsr-3481	25	7	and	and	CCONJ
fsr-3481	25	8	is	be	AUX
fsr-3481	25	9	available	available	ADJ
fsr-3481	25	10	by	by	ADP
fsr-3481	25	11	joining	join	VERB
fsr-3481	25	12	the	the	DET
fsr-3481	25	13	academy	academy	NOUN
fsr-3481	25	14	of	of	ADP
fsr-3481	25	15	financial	financial	ADJ
fsr-3481	25	16	services	service	NOUN
fsr-3481	25	17	.	.	PUNCT
fsr-3481	26	1	academic	academic	ADJ
fsr-3481	26	2	subscription	subscription	NOUN
fsr-3481	26	3	includes	include	VERB
fsr-3481	26	4	four	four	NUM
fsr-3481	26	5	emailed	email	VERB
fsr-3481	26	6	online	online	ADJ
fsr-3481	26	7	issues	issue	NOUN
fsr-3481	26	8	of	of	ADP
fsr-3481	26	9	financial	financial	ADJ
fsr-3481	26	10	services	service	NOUN
fsr-3481	26	11	review	review	VERB
fsr-3481	26	12	each	each	DET
fsr-3481	26	13	year	year	NOUN
fsr-3481	26	14	.	.	PUNCT
fsr-3481	27	1	hardcopies	hardcopie	NOUN
fsr-3481	27	2	of	of	ADP
fsr-3481	27	3	the	the	DET
fsr-3481	27	4	journal	journal	NOUN
fsr-3481	27	5	are	be	AUX
fsr-3481	27	6	available	available	ADJ
fsr-3481	27	7	at	at	ADP
fsr-3481	27	8	additional	additional	ADJ
fsr-3481	27	9	cost	cost	NOUN
fsr-3481	27	10	.	.	PUNCT
fsr-3481	28	1	further	further	ADJ
fsr-3481	28	2	information	information	NOUN
fsr-3481	28	3	on	on	ADP
fsr-3481	28	4	this	this	DET
fsr-3481	28	5	journal	journal	NOUN
fsr-3481	28	6	and	and	CCONJ
fsr-3481	28	7	the	the	DET
fsr-3481	28	8	academy	academy	NOUN
fsr-3481	28	9	of	of	ADP
fsr-3481	28	10	financial	financial	ADJ
fsr-3481	28	11	services	service	NOUN
fsr-3481	28	12	is	be	AUX
fsr-3481	28	13	available	available	ADJ
fsr-3481	28	14	from	from	ADP
fsr-3481	28	15	the	the	DET
fsr-3481	28	16	website	website	NOUN
fsr-3481	28	17	,	,	PUNCT
fsr-3481	28	18	http://www.academyfinancial.org	http://www.academyfinancial.org	PROPN
fsr-3481	28	19	.	.	PUNCT
fsr-3481	29	1	postmaster	postmaster	NOUN
fsr-3481	29	2	and	and	CCONJ
fsr-3481	29	3	subscribers	subscriber	NOUN
fsr-3481	29	4	should	should	AUX
fsr-3481	29	5	send	send	VERB
fsr-3481	29	6	change	change	NOUN
fsr-3481	29	7	of	of	ADP
fsr-3481	29	8	address	address	NOUN
fsr-3481	29	9	notices	notice	NOUN
fsr-3481	29	10	to	to	ADP
fsr-3481	29	11	terrance	terrance	PROPN
fsr-3481	29	12	k.	k.	PROPN
fsr-3481	29	13	martin	martin	PROPN
fsr-3481	29	14	,	,	PUNCT
fsr-3481	29	15	college	college	NOUN
fsr-3481	29	16	of	of	ADP
fsr-3481	29	17	arts	art	NOUN
fsr-3481	29	18	,	,	PUNCT
fsr-3481	29	19	sciences	science	NOUN
fsr-3481	29	20	,	,	PUNCT
fsr-3481	29	21	business	business	NOUN
fsr-3481	29	22	,	,	PUNCT
fsr-3481	29	23	and	and	CCONJ
fsr-3481	29	24	education	education	NOUN
fsr-3481	29	25	,	,	PUNCT
fsr-3481	29	26	reynolds	reynolds	PROPN
fsr-3481	29	27	center	center	PROPN
fsr-3481	29	28	,	,	PUNCT
fsr-3481	29	29	rm	rm	PROPN
fsr-3481	29	30	111	111	NUM
fsr-3481	29	31	,	,	PUNCT
fsr-3481	29	32	winston	winston	NOUN
fsr-3481	29	33	-	-	PUNCT
fsr-3481	29	34	salem	salem	PROPN
fsr-3481	29	35	state	state	NOUN
fsr-3481	29	36	university	university	NOUN
fsr-3481	29	37	,	,	PUNCT
fsr-3481	29	38	601	601	NUM
fsr-3481	29	39	s.	s.	PROPN
fsr-3481	29	40	martin	martin	PROPN
fsr-3481	29	41	luther	luther	PROPN
fsr-3481	29	42	king	king	PROPN
fsr-3481	29	43	jr	jr	PROPN
fsr-3481	29	44	.	.	PROPN
fsr-3481	29	45	drive	drive	PROPN
fsr-3481	29	46	,	,	PUNCT
fsr-3481	29	47	winston	winston	PROPN
fsr-3481	29	48	-	-	PUNCT
fsr-3481	29	49	salem	salem	PROPN
fsr-3481	29	50	,	,	PUNCT
fsr-3481	29	51	north	north	PROPN
fsr-3481	29	52	carolina	carolina	PROPN
fsr-3481	29	53	27110	27110	NUM
fsr-3481	29	54	.	.	PUNCT
fsr-3481	30	1	editorial	editorial	ADJ
fsr-3481	30	2	office	office	NOUN
fsr-3481	30	3	:	:	PUNCT
fsr-3481	30	4	terrance	terrance	PROPN
fsr-3481	30	5	k.	k.	PROPN
fsr-3481	30	6	martin	martin	PROPN
fsr-3481	30	7	,	,	PUNCT
fsr-3481	30	8	college	college	NOUN
fsr-3481	30	9	of	of	ADP
fsr-3481	30	10	arts	art	NOUN
fsr-3481	30	11	,	,	PUNCT
fsr-3481	30	12	sciences	science	NOUN
fsr-3481	30	13	,	,	PUNCT
fsr-3481	30	14	business	business	NOUN
fsr-3481	30	15	,	,	PUNCT
fsr-3481	30	16	and	and	CCONJ
fsr-3481	30	17	education	education	NOUN
fsr-3481	30	18	,	,	PUNCT
fsr-3481	30	19	reynolds	reynolds	PROPN
fsr-3481	30	20	center	center	PROPN
fsr-3481	30	21	,	,	PUNCT
fsr-3481	30	22	rm	rm	PROPN
fsr-3481	30	23	111	111	NUM
fsr-3481	30	24	,	,	PUNCT
fsr-3481	30	25	winston	winston	NOUN
fsr-3481	30	26	-	-	PUNCT
fsr-3481	30	27	salem	salem	PROPN
fsr-3481	30	28	state	state	NOUN
fsr-3481	30	29	university	university	NOUN
fsr-3481	30	30	,	,	PUNCT
fsr-3481	30	31	601	601	NUM
fsr-3481	30	32	s.	s.	PROPN
fsr-3481	30	33	martin	martin	PROPN
fsr-3481	30	34	luther	luther	PROPN
fsr-3481	30	35	king	king	PROPN
fsr-3481	30	36	jr	jr	PROPN
fsr-3481	30	37	.	.	PROPN
fsr-3481	30	38	drive	drive	PROPN
fsr-3481	30	39	,	,	PUNCT
fsr-3481	30	40	winston	winston	PROPN
fsr-3481	30	41	-	-	PUNCT
fsr-3481	30	42	salem	salem	PROPN
fsr-3481	30	43	,	,	PUNCT
fsr-3481	30	44	north	north	PROPN
fsr-3481	30	45	carolina	carolina	PROPN
fsr-3481	30	46	27110	27110	NUM
fsr-3481	30	47	.	.	PUNCT
fsr-3481	31	1	email	email	NOUN
fsr-3481	31	2	address	address	NOUN
fsr-3481	31	3	:	:	PUNCT
fsr-3481	31	4	martintk@wssu.edu	martintk@wssu.edu	PROPN
fsr-3481	31	5	.	.	PUNCT
fsr-3481	31	6	advertising	advertising	NOUN
fsr-3481	31	7	information	information	NOUN
fsr-3481	31	8	.	.	PUNCT
fsr-3481	32	1	those	those	PRON
fsr-3481	32	2	interested	interested	ADJ
fsr-3481	32	3	in	in	ADP
fsr-3481	32	4	advertising	advertising	NOUN
fsr-3481	32	5	in	in	ADP
fsr-3481	32	6	the	the	DET
fsr-3481	32	7	journal	journal	NOUN
fsr-3481	32	8	should	should	AUX
fsr-3481	32	9	contact	contact	VERB
fsr-3481	32	10	terrance	terrance	PROPN
fsr-3481	32	11	k.	k.	PROPN
fsr-3481	32	12	martin	martin	PROPN
fsr-3481	32	13	,	,	PUNCT
fsr-3481	32	14	college	college	NOUN
fsr-3481	32	15	of	of	ADP
fsr-3481	32	16	arts	art	NOUN
fsr-3481	32	17	,	,	PUNCT
fsr-3481	32	18	sciences	science	NOUN
fsr-3481	32	19	,	,	PUNCT
fsr-3481	32	20	business	business	NOUN
fsr-3481	32	21	,	,	PUNCT
fsr-3481	32	22	and	and	CCONJ
fsr-3481	32	23	education	education	NOUN
fsr-3481	32	24	,	,	PUNCT
fsr-3481	32	25	reynolds	reynolds	PROPN
fsr-3481	32	26	center	center	PROPN
fsr-3481	32	27	,	,	PUNCT
fsr-3481	32	28	rm	rm	PROPN
fsr-3481	32	29	111	111	NUM
fsr-3481	32	30	,	,	PUNCT
fsr-3481	32	31	winston	winston	NOUN
fsr-3481	32	32	-	-	PUNCT
fsr-3481	32	33	salem	salem	PROPN
fsr-3481	32	34	state	state	NOUN
fsr-3481	32	35	university	university	NOUN
fsr-3481	32	36	,	,	PUNCT
fsr-3481	32	37	601	601	NUM
fsr-3481	32	38	s.	s.	PROPN
fsr-3481	32	39	martin	martin	PROPN
fsr-3481	32	40	luther	luther	PROPN
fsr-3481	32	41	king	king	PROPN
fsr-3481	32	42	jr	jr	PROPN
fsr-3481	32	43	.	.	PROPN
fsr-3481	32	44	drive	drive	PROPN
fsr-3481	32	45	,	,	PUNCT
fsr-3481	32	46	winston	winston	PROPN
fsr-3481	32	47	-	-	PUNCT
fsr-3481	32	48	salem	salem	PROPN
fsr-3481	32	49	,	,	PUNCT
fsr-3481	32	50	north	north	PROPN
fsr-3481	32	51	carolina	carolina	PROPN
fsr-3481	32	52	27110	27110	NUM
fsr-3481	32	53	.	.	PUNCT
fsr-3481	33	1	email	email	NOUN
fsr-3481	33	2	address	address	NOUN
fsr-3481	33	3	:	:	PUNCT
fsr-3481	33	4	martintk@wssu.edu	martintk@wssu.edu	PROPN
fsr-3481	33	5	printed	print	VERB
fsr-3481	33	6	in	in	ADP
fsr-3481	33	7	the	the	DET
fsr-3481	33	8	usa	usa	PROPN
fsr-3481	33	9	©	©	PROPN
fsr-3481	33	10	2022	2022	NUM
fsr-3481	33	11	academy	academy	NOUN
fsr-3481	33	12	of	of	ADP
fsr-3481	33	13	financial	financial	ADJ
fsr-3481	33	14	services	service	NOUN
fsr-3481	33	15	.	.	PUNCT
fsr-3481	34	1	all	all	DET
fsr-3481	34	2	rights	right	NOUN
fsr-3481	34	3	reserved	reserve	VERB
fsr-3481	34	4	.	.	PUNCT
fsr-3481	35	1	this	this	DET
fsr-3481	35	2	journal	journal	NOUN
fsr-3481	35	3	and	and	CCONJ
fsr-3481	35	4	the	the	DET
fsr-3481	35	5	individual	individual	ADJ
fsr-3481	35	6	contributions	contribution	NOUN
fsr-3481	35	7	contained	contain	VERB
fsr-3481	35	8	in	in	ADP
fsr-3481	35	9	it	it	PRON
fsr-3481	35	10	are	be	AUX
fsr-3481	35	11	protected	protect	VERB
fsr-3481	35	12	under	under	ADP
fsr-3481	35	13	copyright	copyright	NOUN
fsr-3481	35	14	by	by	ADP
fsr-3481	35	15	the	the	DET
fsr-3481	35	16	academy	academy	PROPN
fsr-3481	35	17	of	of	ADP
fsr-3481	35	18	financial	financial	ADJ
fsr-3481	35	19	services	service	NOUN
fsr-3481	35	20	,	,	PUNCT
fsr-3481	35	21	and	and	CCONJ
fsr-3481	35	22	the	the	DET
fsr-3481	35	23	following	follow	VERB
fsr-3481	35	24	terms	term	NOUN
fsr-3481	35	25	and	and	CCONJ
fsr-3481	35	26	conditions	condition	NOUN
fsr-3481	35	27	apply	apply	VERB
fsr-3481	35	28	to	to	ADP
fsr-3481	35	29	their	their	PRON
fsr-3481	35	30	use	use	NOUN
fsr-3481	35	31	:	:	PUNCT
fsr-3481	35	32	photocopying	photocopy	VERB
fsr-3481	35	33	single	single	ADJ
fsr-3481	35	34	photocopies	photocopy	NOUN
fsr-3481	35	35	of	of	ADP
fsr-3481	35	36	single	single	ADJ
fsr-3481	35	37	articles	article	NOUN
fsr-3481	35	38	may	may	AUX
fsr-3481	35	39	be	be	AUX
fsr-3481	35	40	made	make	VERB
fsr-3481	35	41	for	for	ADP
fsr-3481	35	42	personal	personal	ADJ
fsr-3481	35	43	use	use	NOUN
fsr-3481	35	44	as	as	SCONJ
fsr-3481	35	45	allowed	allow	VERB
fsr-3481	35	46	by	by	ADP
fsr-3481	35	47	national	national	ADJ
fsr-3481	35	48	copyright	copyright	NOUN
fsr-3481	35	49	laws	law	NOUN
fsr-3481	35	50	.	.	PUNCT
fsr-3481	36	1	in	in	ADP
fsr-3481	36	2	addition	addition	NOUN
fsr-3481	36	3	,	,	PUNCT
fsr-3481	36	4	the	the	DET
fsr-3481	36	5	academy	academy	NOUN
fsr-3481	36	6	of	of	ADP
fsr-3481	36	7	financial	financial	ADJ
fsr-3481	36	8	services	service	NOUN
fsr-3481	36	9	hereby	hereby	ADV
fsr-3481	36	10	permits	permit	VERB
fsr-3481	36	11	educators	educator	NOUN
fsr-3481	36	12	and	and	CCONJ
fsr-3481	36	13	educational	educational	ADJ
fsr-3481	36	14	institutions	institution	NOUN
fsr-3481	36	15	the	the	DET
fsr-3481	36	16	right	right	NOUN
fsr-3481	36	17	to	to	PART
fsr-3481	36	18	make	make	VERB
fsr-3481	36	19	photocopies	photocopy	NOUN
fsr-3481	36	20	for	for	ADP
fsr-3481	36	21	non	non	ADJ
fsr-3481	36	22	-	-	ADJ
fsr-3481	36	23	profit	profit	ADJ
fsr-3481	36	24	educational	educational	ADJ
fsr-3481	36	25	classroom	classroom	NOUN
fsr-3481	36	26	use	use	NOUN
fsr-3481	36	27	.	.	PUNCT
fsr-3481	37	1	permission	permission	NOUN
fsr-3481	37	2	of	of	ADP
fsr-3481	37	3	the	the	DET
fsr-3481	37	4	academy	academy	NOUN
fsr-3481	37	5	is	be	AUX
fsr-3481	37	6	required	require	VERB
fsr-3481	37	7	for	for	ADP
fsr-3481	37	8	all	all	DET
fsr-3481	37	9	other	other	ADJ
fsr-3481	37	10	photocopying	photocopying	NOUN
fsr-3481	37	11	,	,	PUNCT
fsr-3481	37	12	including	include	VERB
fsr-3481	37	13	multiple	multiple	ADJ
fsr-3481	37	14	or	or	CCONJ
fsr-3481	37	15	systematic	systematic	ADJ
fsr-3481	37	16	copying	copying	NOUN
fsr-3481	37	17	,	,	PUNCT
fsr-3481	37	18	copying	copy	VERB
fsr-3481	37	19	for	for	ADP
fsr-3481	37	20	advertising	advertising	NOUN
fsr-3481	37	21	or	or	CCONJ
fsr-3481	37	22	promotional	promotional	ADJ
fsr-3481	37	23	purposes	purpose	NOUN
fsr-3481	37	24	,	,	PUNCT
fsr-3481	37	25	resale	resale	NOUN
fsr-3481	37	26	,	,	PUNCT
fsr-3481	37	27	and	and	CCONJ
fsr-3481	37	28	all	all	DET
fsr-3481	37	29	forms	form	NOUN
fsr-3481	37	30	of	of	ADP
fsr-3481	37	31	document	document	NOUN
fsr-3481	37	32	delivery	delivery	NOUN
fsr-3481	37	33	.	.	PUNCT
fsr-3481	38	1	permissions	permission	NOUN
fsr-3481	38	2	may	may	AUX
fsr-3481	38	3	be	be	AUX
fsr-3481	38	4	sought	seek	VERB
fsr-3481	38	5	directly	directly	ADV
fsr-3481	38	6	from	from	ADP
fsr-3481	38	7	the	the	DET
fsr-3481	38	8	editor	editor	NOUN
fsr-3481	38	9	,	,	PUNCT
fsr-3481	38	10	terrance	terrance	PROPN
fsr-3481	38	11	k.	k.	PROPN
fsr-3481	38	12	martin	martin	PROPN
fsr-3481	38	13	,	,	PUNCT
fsr-3481	38	14	college	college	NOUN
fsr-3481	38	15	of	of	ADP
fsr-3481	38	16	arts	art	NOUN
fsr-3481	38	17	,	,	PUNCT
fsr-3481	38	18	sciences	science	NOUN
fsr-3481	38	19	,	,	PUNCT
fsr-3481	38	20	business	business	NOUN
fsr-3481	38	21	,	,	PUNCT
fsr-3481	38	22	and	and	CCONJ
fsr-3481	38	23	education	education	NOUN
fsr-3481	38	24	,	,	PUNCT
fsr-3481	38	25	reynolds	reynolds	PROPN
fsr-3481	38	26	center	center	PROPN
fsr-3481	38	27	,	,	PUNCT
fsr-3481	38	28	rm	rm	PROPN
fsr-3481	38	29	111	111	NUM
fsr-3481	38	30	,	,	PUNCT
fsr-3481	38	31	winston	winston	NOUN
fsr-3481	38	32	-	-	PUNCT
fsr-3481	38	33	salem	salem	PROPN
fsr-3481	38	34	state	state	NOUN
fsr-3481	38	35	university	university	NOUN
fsr-3481	38	36	,	,	PUNCT
fsr-3481	38	37	601	601	NUM
fsr-3481	38	38	s.	s.	PROPN
fsr-3481	38	39	martin	martin	PROPN
fsr-3481	38	40	luther	luther	PROPN
fsr-3481	38	41	king	king	PROPN
fsr-3481	38	42	jr	jr	PROPN
fsr-3481	38	43	.	.	PROPN
fsr-3481	38	44	drive	drive	PROPN
fsr-3481	38	45	,	,	PUNCT
fsr-3481	38	46	winston	winston	PROPN
fsr-3481	38	47	-	-	PUNCT
fsr-3481	38	48	salem	salem	PROPN
fsr-3481	38	49	,	,	PUNCT
fsr-3481	38	50	north	north	PROPN
fsr-3481	38	51	carolina	carolina	PROPN
fsr-3481	38	52	27110	27110	NUM
fsr-3481	38	53	.	.	PUNCT
fsr-3481	39	1	email	email	NOUN
fsr-3481	39	2	address	address	NOUN
fsr-3481	39	3	:	:	PUNCT
fsr-3481	40	1	martintk@wssu.edu	martintk@wssu.edu	PROPN
fsr-3481	40	2	.	.	PUNCT
fsr-3481	41	1	derivative	derivative	ADJ
fsr-3481	41	2	works	work	NOUN
fsr-3481	41	3	subscribers	subscriber	NOUN
fsr-3481	41	4	may	may	AUX
fsr-3481	41	5	reproduce	reproduce	VERB
fsr-3481	41	6	tables	table	NOUN
fsr-3481	41	7	of	of	ADP
fsr-3481	41	8	contents	content	NOUN
fsr-3481	41	9	or	or	CCONJ
fsr-3481	41	10	prepare	prepare	VERB
fsr-3481	41	11	lists	list	NOUN
fsr-3481	41	12	of	of	ADP
fsr-3481	41	13	articles	article	NOUN
fsr-3481	41	14	including	include	VERB
fsr-3481	41	15	abstracts	abstract	NOUN
fsr-3481	41	16	for	for	ADP
fsr-3481	41	17	internal	internal	ADJ
fsr-3481	41	18	circulation	circulation	NOUN
fsr-3481	41	19	within	within	ADP
fsr-3481	41	20	their	their	PRON
fsr-3481	41	21	institutions	institution	NOUN
fsr-3481	41	22	.	.	PUNCT
fsr-3481	42	1	permission	permission	NOUN
fsr-3481	42	2	of	of	ADP
fsr-3481	42	3	the	the	DET
fsr-3481	42	4	academy	academy	NOUN
fsr-3481	42	5	is	be	AUX
fsr-3481	42	6	required	require	VERB
fsr-3481	42	7	for	for	ADP
fsr-3481	42	8	resale	resale	NOUN
fsr-3481	42	9	or	or	CCONJ
fsr-3481	42	10	distribution	distribution	NOUN
fsr-3481	42	11	outside	outside	ADP
fsr-3481	42	12	the	the	DET
fsr-3481	42	13	institution	institution	NOUN
fsr-3481	42	14	.	.	PUNCT
fsr-3481	43	1	permission	permission	NOUN
fsr-3481	43	2	of	of	ADP
fsr-3481	43	3	the	the	DET
fsr-3481	43	4	academy	academy	NOUN
fsr-3481	43	5	is	be	AUX
fsr-3481	43	6	required	require	VERB
fsr-3481	43	7	for	for	ADP
fsr-3481	43	8	all	all	DET
fsr-3481	43	9	other	other	ADJ
fsr-3481	43	10	derivative	derivative	ADJ
fsr-3481	43	11	works	work	NOUN
fsr-3481	43	12	,	,	PUNCT
fsr-3481	43	13	including	include	VERB
fsr-3481	43	14	compilations	compilation	NOUN
fsr-3481	43	15	and	and	CCONJ
fsr-3481	43	16	translations	translation	NOUN
fsr-3481	43	17	.	.	PUNCT
fsr-3481	44	1	electronic	electronic	ADJ
fsr-3481	44	2	storage	storage	NOUN
fsr-3481	44	3	or	or	CCONJ
fsr-3481	44	4	usage	usage	NOUN
fsr-3481	44	5	permission	permission	NOUN
fsr-3481	44	6	of	of	ADP
fsr-3481	44	7	the	the	DET
fsr-3481	44	8	academy	academy	NOUN
fsr-3481	44	9	is	be	AUX
fsr-3481	44	10	required	require	VERB
fsr-3481	44	11	to	to	PART
fsr-3481	44	12	store	store	VERB
fsr-3481	44	13	or	or	CCONJ
fsr-3481	44	14	use	use	VERB
fsr-3481	44	15	electronically	electronically	ADV
fsr-3481	44	16	any	any	DET
fsr-3481	44	17	material	material	NOUN
fsr-3481	44	18	contained	contain	VERB
fsr-3481	44	19	in	in	ADP
fsr-3481	44	20	this	this	DET
fsr-3481	44	21	journal	journal	NOUN
fsr-3481	44	22	,	,	PUNCT
fsr-3481	44	23	including	include	VERB
fsr-3481	44	24	any	any	DET
fsr-3481	44	25	article	article	NOUN
fsr-3481	44	26	or	or	CCONJ
fsr-3481	44	27	part	part	NOUN
fsr-3481	44	28	of	of	ADP
fsr-3481	44	29	an	an	DET
fsr-3481	44	30	article	article	NOUN
fsr-3481	44	31	.	.	PUNCT
fsr-3481	45	1	except	except	SCONJ
fsr-3481	45	2	as	as	SCONJ
fsr-3481	45	3	outlined	outline	VERB
fsr-3481	45	4	above	above	ADV
fsr-3481	45	5	,	,	PUNCT
fsr-3481	45	6	no	no	DET
fsr-3481	45	7	part	part	NOUN
fsr-3481	45	8	of	of	ADP
fsr-3481	45	9	this	this	DET
fsr-3481	45	10	publication	publication	NOUN
fsr-3481	45	11	may	may	AUX
fsr-3481	45	12	be	be	AUX
fsr-3481	45	13	reproduced	reproduce	VERB
fsr-3481	45	14	,	,	PUNCT
fsr-3481	45	15	stored	store	VERB
fsr-3481	45	16	in	in	ADP
fsr-3481	45	17	a	a	DET
fsr-3481	45	18	retrieval	retrieval	NOUN
fsr-3481	45	19	system	system	NOUN
fsr-3481	45	20	or	or	CCONJ
fsr-3481	45	21	transmitted	transmit	VERB
fsr-3481	45	22	in	in	ADP
fsr-3481	45	23	any	any	DET
fsr-3481	45	24	form	form	NOUN
fsr-3481	45	25	or	or	CCONJ
fsr-3481	45	26	by	by	ADP
fsr-3481	45	27	any	any	DET
fsr-3481	45	28	means	mean	NOUN
fsr-3481	45	29	,	,	PUNCT
fsr-3481	45	30	electronic	electronic	ADJ
fsr-3481	45	31	,	,	PUNCT
fsr-3481	45	32	mechanical	mechanical	ADJ
fsr-3481	45	33	,	,	PUNCT
fsr-3481	45	34	photocopying	photocopying	NOUN
fsr-3481	45	35	,	,	PUNCT
fsr-3481	45	36	recording	recording	NOUN
fsr-3481	45	37	,	,	PUNCT
fsr-3481	45	38	or	or	CCONJ
fsr-3481	45	39	otherwise	otherwise	ADV
fsr-3481	45	40	,	,	PUNCT
fsr-3481	45	41	without	without	ADP
fsr-3481	45	42	prior	prior	ADJ
fsr-3481	45	43	written	write	VERB
fsr-3481	45	44	permission	permission	NOUN
fsr-3481	45	45	of	of	ADP
fsr-3481	45	46	the	the	DET
fsr-3481	45	47	academy	academy	PROPN
fsr-3481	45	48	.	.	PUNCT
fsr-3481	46	1	address	address	PROPN
fsr-3481	46	2	permissions	permission	NOUN
fsr-3481	46	3	requests	request	NOUN
fsr-3481	46	4	to	to	ADP
fsr-3481	46	5	the	the	DET
fsr-3481	46	6	editor	editor	NOUN
fsr-3481	46	7	at	at	ADP
fsr-3481	46	8	the	the	DET
fsr-3481	46	9	address	address	NOUN
fsr-3481	46	10	noted	note	VERB
fsr-3481	46	11	above	above	ADV
fsr-3481	46	12	.	.	PUNCT
fsr-3481	47	1	notice	notice	VERB
fsr-3481	47	2	no	no	DET
fsr-3481	47	3	responsibility	responsibility	NOUN
fsr-3481	47	4	is	be	AUX
fsr-3481	47	5	assumed	assume	VERB
fsr-3481	47	6	by	by	ADP
fsr-3481	47	7	the	the	DET
fsr-3481	47	8	academy	academy	NOUN
fsr-3481	47	9	for	for	ADP
fsr-3481	47	10	any	any	DET
fsr-3481	47	11	injury	injury	NOUN
fsr-3481	47	12	and/or	and/or	CCONJ
fsr-3481	47	13	damage	damage	NOUN
fsr-3481	47	14	to	to	ADP
fsr-3481	47	15	persons	person	NOUN
fsr-3481	47	16	or	or	CCONJ
fsr-3481	47	17	property	property	NOUN
fsr-3481	47	18	as	as	ADP
fsr-3481	47	19	a	a	DET
fsr-3481	47	20	matter	matter	NOUN
fsr-3481	47	21	of	of	ADP
fsr-3481	47	22	products	product	NOUN
fsr-3481	47	23	liability	liability	NOUN
fsr-3481	47	24	,	,	PUNCT
fsr-3481	47	25	negligence	negligence	NOUN
fsr-3481	47	26	,	,	PUNCT
fsr-3481	47	27	or	or	CCONJ
fsr-3481	47	28	otherwise	otherwise	ADV
fsr-3481	47	29	,	,	PUNCT
fsr-3481	47	30	or	or	CCONJ
fsr-3481	47	31	from	from	ADP
fsr-3481	47	32	any	any	DET
fsr-3481	47	33	use	use	NOUN
fsr-3481	47	34	or	or	CCONJ
fsr-3481	47	35	operation	operation	NOUN
fsr-3481	47	36	of	of	ADP
fsr-3481	47	37	any	any	DET
fsr-3481	47	38	methods	method	NOUN
fsr-3481	47	39	,	,	PUNCT
fsr-3481	47	40	products	product	NOUN
fsr-3481	47	41	,	,	PUNCT
fsr-3481	47	42	instructions	instruction	NOUN
fsr-3481	47	43	,	,	PUNCT
fsr-3481	47	44	or	or	CCONJ
fsr-3481	47	45	ideas	idea	NOUN
fsr-3481	47	46	contained	contain	VERB
fsr-3481	47	47	in	in	ADP
fsr-3481	47	48	the	the	DET
fsr-3481	47	49	material	material	NOUN
fsr-3481	47	50	herein	herein	NOUN
fsr-3481	47	51	.	.	PUNCT
fsr-3481	48	1	the	the	DET
fsr-3481	48	2	editors	editor	NOUN
fsr-3481	48	3	,	,	PUNCT
fsr-3481	48	4	the	the	DET
fsr-3481	48	5	academy	academy	NOUN
fsr-3481	48	6	,	,	PUNCT
fsr-3481	48	7	and	and	CCONJ
fsr-3481	48	8	our	our	PRON
fsr-3481	48	9	sponsors	sponsor	NOUN
fsr-3481	48	10	assume	assume	VERB
fsr-3481	48	11	no	no	DET
fsr-3481	48	12	responsibility	responsibility	NOUN
fsr-3481	48	13	for	for	ADP
fsr-3481	48	14	the	the	DET
fsr-3481	48	15	views	view	NOUN
fsr-3481	48	16	expressed	express	VERB
fsr-3481	48	17	by	by	ADP
fsr-3481	48	18	our	our	PRON
fsr-3481	48	19	authors	author	NOUN
fsr-3481	48	20	.	.	PUNCT