id	sid	tid	token	lemma	pos
fsr-3483	1	1	the	the	DET
fsr-3483	1	2	effect	effect	NOUN
fsr-3483	1	3	of	of	ADP
fsr-3483	1	4	racial	racial	ADJ
fsr-3483	1	5	/	/	SYM
fsr-3483	1	6	ethnic	ethnic	ADJ
fsr-3483	1	7	differences	difference	NOUN
fsr-3483	1	8	on	on	ADP
fsr-3483	1	9	the	the	DET
fsr-3483	1	10	financial	financial	ADJ
fsr-3483	1	11	obligations	obligation	NOUN
fsr-3483	1	12	ratio	ratio	NOUN
fsr-3483	1	13	of	of	ADP
fsr-3483	1	14	renters	renter	NOUN
fsr-3483	1	15	congrong	congrong	VERB
fsr-3483	1	16	ouyanga	ouyanga	ADJ
fsr-3483	1	17	,	,	PUNCT
fsr-3483	1	18	*	*	PROPN
fsr-3483	1	19	,	,	PUNCT
fsr-3483	1	20	sherman	sherman	PROPN
fsr-3483	1	21	d.	d.	PROPN
fsr-3483	1	22	hannab	hannab	PROPN
fsr-3483	1	23	adepartment	adepartment	PROPN
fsr-3483	1	24	of	of	ADP
fsr-3483	1	25	personal	personal	ADJ
fsr-3483	1	26	financial	financial	ADJ
fsr-3483	1	27	planning	planning	NOUN
fsr-3483	1	28	,	,	PUNCT
fsr-3483	1	29	college	college	NOUN
fsr-3483	1	30	of	of	ADP
fsr-3483	1	31	health	health	PROPN
fsr-3483	1	32	and	and	CCONJ
fsr-3483	1	33	human	human	PROPN
fsr-3483	1	34	sciences	sciences	PROPN
fsr-3483	1	35	,	,	PUNCT
fsr-3483	1	36	kansas	kansas	PROPN
fsr-3483	1	37	state	state	PROPN
fsr-3483	1	38	university	university	PROPN
fsr-3483	1	39	,	,	PUNCT
fsr-3483	1	40	343	343	NUM
fsr-3483	1	41	m	m	PROPN
fsr-3483	1	42	justin	justin	PROPN
fsr-3483	1	43	hall	hall	PROPN
fsr-3483	1	44	,	,	PUNCT
fsr-3483	1	45	1324	1324	NUM
fsr-3483	1	46	lovers	lover	NOUN
fsr-3483	1	47	lane	lane	NOUN
fsr-3483	1	48	,	,	PUNCT
fsr-3483	1	49	manhattan	manhattan	PROPN
fsr-3483	1	50	,	,	PUNCT
fsr-3483	1	51	ks	ks	PROPN
fsr-3483	1	52	66506	66506	NUM
fsr-3483	1	53	-	-	SYM
fsr-3483	1	54	1401	1401	NUM
fsr-3483	1	55	,	,	PUNCT
fsr-3483	1	56	usa	usa	PROPN
fsr-3483	1	57	bdepartment	bdepartment	PROPN
fsr-3483	1	58	of	of	ADP
fsr-3483	1	59	human	human	PROPN
fsr-3483	1	60	sciences	sciences	PROPN
fsr-3483	1	61	,	,	PUNCT
fsr-3483	1	62	ohio	ohio	PROPN
fsr-3483	1	63	state	state	PROPN
fsr-3483	1	64	university	university	PROPN
fsr-3483	1	65	,	,	PUNCT
fsr-3483	1	66	115a	115a	PROPN
fsr-3483	1	67	campbell	campbell	PROPN
fsr-3483	1	68	hall	hall	PROPN
fsr-3483	1	69	,	,	PUNCT
fsr-3483	1	70	1787	1787	NUM
fsr-3483	1	71	neil	neil	PROPN
fsr-3483	1	72	avenue	avenue	PROPN
fsr-3483	1	73	,	,	PUNCT
fsr-3483	1	74	columbus	columbus	PROPN
fsr-3483	1	75	,	,	PUNCT
fsr-3483	1	76	oh	oh	NUM
fsr-3483	1	77	43210	43210	NUM
fsr-3483	1	78	,	,	PUNCT
fsr-3483	1	79	usa	usa	PROPN
fsr-3483	1	80	abstract	abstract	NOUN
fsr-3483	1	81	the	the	DET
fsr-3483	1	82	purpose	purpose	NOUN
fsr-3483	1	83	of	of	ADP
fsr-3483	1	84	this	this	DET
fsr-3483	1	85	research	research	NOUN
fsr-3483	1	86	was	be	AUX
fsr-3483	1	87	to	to	PART
fsr-3483	1	88	investigate	investigate	VERB
fsr-3483	1	89	the	the	DET
fsr-3483	1	90	effects	effect	NOUN
fsr-3483	1	91	of	of	ADP
fsr-3483	1	92	racial	racial	ADJ
fsr-3483	1	93	/	/	SYM
fsr-3483	1	94	ethnic	ethnic	ADJ
fsr-3483	1	95	status	status	NOUN
fsr-3483	1	96	on	on	ADP
fsr-3483	1	97	the	the	DET
fsr-3483	1	98	ratio	ratio	NOUN
fsr-3483	1	99	of	of	ADP
fsr-3483	1	100	financial	financial	ADJ
fsr-3483	1	101	obligations	obligation	NOUN
fsr-3483	1	102	payments	payment	NOUN
fsr-3483	1	103	to	to	PART
fsr-3483	1	104	income	income	VERB
fsr-3483	1	105	among	among	ADP
fsr-3483	1	106	u.s	u.s	PROPN
fsr-3483	1	107	.	.	PROPN
fsr-3483	1	108	renter	renter	NOUN
fsr-3483	1	109	households	household	NOUN
fsr-3483	1	110	.	.	PUNCT
fsr-3483	2	1	the	the	DET
fsr-3483	2	2	proportion	proportion	NOUN
fsr-3483	2	3	of	of	ADP
fsr-3483	2	4	homeowner	homeowner	NOUN
fsr-3483	2	5	households	household	NOUN
fsr-3483	2	6	with	with	ADP
fsr-3483	2	7	a	a	DET
fsr-3483	2	8	ratio	ratio	NOUN
fsr-3483	2	9	over	over	ADP
fsr-3483	2	10	40	40	NUM
fsr-3483	2	11	%	%	NOUN
fsr-3483	2	12	has	have	AUX
fsr-3483	2	13	decreased	decrease	VERB
fsr-3483	2	14	since	since	SCONJ
fsr-3483	2	15	2007	2007	NUM
fsr-3483	2	16	,	,	PUNCT
fsr-3483	2	17	but	but	CCONJ
fsr-3483	2	18	the	the	DET
fsr-3483	2	19	proportion	proportion	NOUN
fsr-3483	2	20	of	of	ADP
fsr-3483	2	21	renter	renter	NOUN
fsr-3483	2	22	households	household	NOUN
fsr-3483	2	23	with	with	ADP
fsr-3483	2	24	a	a	DET
fsr-3483	2	25	ratio	ratio	NOUN
fsr-3483	2	26	over	over	ADP
fsr-3483	2	27	40	40	NUM
fsr-3483	2	28	%	%	NOUN
fsr-3483	2	29	increased	increase	VERB
fsr-3483	2	30	until	until	ADP
fsr-3483	2	31	2013	2013	NUM
fsr-3483	2	32	and	and	CCONJ
fsr-3483	2	33	remained	remain	VERB
fsr-3483	2	34	high	high	ADJ
fsr-3483	2	35	in	in	ADP
fsr-3483	2	36	2016	2016	NUM
fsr-3483	2	37	.	.	PUNCT
fsr-3483	3	1	in	in	ADP
fsr-3483	3	2	2016	2016	NUM
fsr-3483	3	3	,	,	PUNCT
fsr-3483	3	4	13	13	NUM
fsr-3483	3	5	%	%	NOUN
fsr-3483	3	6	of	of	ADP
fsr-3483	3	7	homeowner	homeowner	NOUN
fsr-3483	3	8	households	household	NOUN
fsr-3483	3	9	and	and	CCONJ
fsr-3483	3	10	40	40	NUM
fsr-3483	3	11	%	%	NOUN
fsr-3483	3	12	of	of	ADP
fsr-3483	3	13	renter	renter	NOUN
fsr-3483	3	14	households	household	NOUN
fsr-3483	3	15	had	have	VERB
fsr-3483	3	16	a	a	DET
fsr-3483	3	17	ratio	ratio	NOUN
fsr-3483	3	18	over	over	ADP
fsr-3483	3	19	40	40	NUM
fsr-3483	3	20	%	%	NOUN
fsr-3483	3	21	.	.	PUNCT
fsr-3483	4	1	previous	previous	ADJ
fsr-3483	4	2	research	research	NOUN
fsr-3483	4	3	on	on	ADP
fsr-3483	4	4	the	the	DET
fsr-3483	4	5	financial	financial	ADJ
fsr-3483	4	6	obligations	obligation	NOUN
fsr-3483	4	7	burden	burden	NOUN
fsr-3483	4	8	used	use	VERB
fsr-3483	4	9	an	an	DET
fsr-3483	4	10	arbitrary	arbitrary	ADJ
fsr-3483	4	11	dummy	dummy	ADJ
fsr-3483	4	12	variable	variable	NOUN
fsr-3483	4	13	for	for	ADP
fsr-3483	4	14	whether	whether	SCONJ
fsr-3483	4	15	households	household	NOUN
fsr-3483	4	16	had	have	AUX
fsr-3483	4	17	a	a	DET
fsr-3483	4	18	high	high	ADJ
fsr-3483	4	19	financial	financial	ADJ
fsr-3483	4	20	obligations	obligation	NOUN
fsr-3483	4	21	ratio	ratio	NOUN
fsr-3483	4	22	,	,	PUNCT
fsr-3483	4	23	but	but	CCONJ
fsr-3483	4	24	we	we	PRON
fsr-3483	4	25	used	use	VERB
fsr-3483	4	26	ordinary	ordinary	ADJ
fsr-3483	4	27	least	least	ADJ
fsr-3483	4	28	squares	square	NOUN
fsr-3483	4	29	(	(	PUNCT
fsr-3483	4	30	ols	ol	NOUN
fsr-3483	4	31	)	)	PUNCT
fsr-3483	4	32	regressions	regression	NOUN
fsr-3483	4	33	on	on	ADP
fsr-3483	4	34	the	the	DET
fsr-3483	4	35	natural	natural	ADJ
fsr-3483	4	36	log	log	NOUN
fsr-3483	4	37	of	of	ADP
fsr-3483	4	38	the	the	DET
fsr-3483	4	39	ratio	ratio	NOUN
fsr-3483	4	40	.	.	PUNCT
fsr-3483	5	1	for	for	ADP
fsr-3483	5	2	renters	renter	NOUN
fsr-3483	5	3	,	,	PUNCT
fsr-3483	5	4	based	base	VERB
fsr-3483	5	5	on	on	ADP
fsr-3483	5	6	the	the	DET
fsr-3483	5	7	ols	ol	NOUN
fsr-3483	5	8	regression	regression	NOUN
fsr-3483	5	9	,	,	PUNCT
fsr-3483	5	10	households	household	NOUN
fsr-3483	5	11	with	with	ADP
fsr-3483	5	12	black	black	ADJ
fsr-3483	5	13	,	,	PUNCT
fsr-3483	5	14	hispanic	hispanic	ADJ
fsr-3483	5	15	,	,	PUNCT
fsr-3483	5	16	and	and	CCONJ
fsr-3483	5	17	asian	asian	ADJ
fsr-3483	5	18	respondents	respondent	NOUN
fsr-3483	5	19	had	have	VERB
fsr-3483	5	20	higher	high	ADJ
fsr-3483	5	21	financial	financial	ADJ
fsr-3483	5	22	obligations	obligation	NOUN
fsr-3483	5	23	ratios	ratio	NOUN
fsr-3483	5	24	than	than	ADP
fsr-3483	5	25	otherwise	otherwise	ADV
fsr-3483	5	26	similar	similar	ADJ
fsr-3483	5	27	households	household	NOUN
fsr-3483	5	28	with	with	ADP
fsr-3483	5	29	a	a	DET
fsr-3483	5	30	white	white	ADJ
fsr-3483	5	31	respondent	respondent	NOUN
fsr-3483	5	32	.	.	PUNCT
fsr-3483	6	1	controlling	control	VERB
fsr-3483	6	2	for	for	ADP
fsr-3483	6	3	other	other	ADJ
fsr-3483	6	4	variables	variable	NOUN
fsr-3483	6	5	,	,	PUNCT
fsr-3483	6	6	hispanic	hispanic	ADJ
fsr-3483	6	7	households	household	NOUN
fsr-3483	6	8	had	have	VERB
fsr-3483	6	9	a	a	DET
fsr-3483	6	10	ratio	ratio	NOUN
fsr-3483	6	11	about	about	ADV
fsr-3483	6	12	26	26	NUM
fsr-3483	6	13	%	%	NOUN
fsr-3483	6	14	higher	high	ADJ
fsr-3483	6	15	than	than	ADP
fsr-3483	6	16	white	white	ADJ
fsr-3483	6	17	households	household	NOUN
fsr-3483	6	18	,	,	PUNCT
fsr-3483	6	19	asian	asian	ADJ
fsr-3483	6	20	households	household	NOUN
fsr-3483	6	21	had	have	VERB
fsr-3483	6	22	a	a	DET
fsr-3483	6	23	ratio	ratio	NOUN
fsr-3483	6	24	16	16	NUM
fsr-3483	6	25	%	%	NOUN
fsr-3483	6	26	higher	high	ADJ
fsr-3483	6	27	than	than	ADP
fsr-3483	6	28	white	white	ADJ
fsr-3483	6	29	households	household	NOUN
fsr-3483	6	30	,	,	PUNCT
fsr-3483	6	31	and	and	CCONJ
fsr-3483	6	32	black	black	ADJ
fsr-3483	6	33	households	household	NOUN
fsr-3483	6	34	had	have	VERB
fsr-3483	6	35	a	a	DET
fsr-3483	6	36	ratio	ratio	NOUN
fsr-3483	6	37	10	10	NUM
fsr-3483	6	38	%	%	NOUN
fsr-3483	6	39	higher	high	ADJ
fsr-3483	6	40	than	than	ADP
fsr-3483	6	41	white	white	ADJ
fsr-3483	6	42	households	household	NOUN
fsr-3483	6	43	.	.	PUNCT
fsr-3483	7	1	while	while	SCONJ
fsr-3483	7	2	discrimination	discrimination	NOUN
fsr-3483	7	3	could	could	AUX
fsr-3483	7	4	be	be	AUX
fsr-3483	7	5	a	a	DET
fsr-3483	7	6	factor	factor	NOUN
fsr-3483	7	7	in	in	ADP
fsr-3483	7	8	higher	high	ADJ
fsr-3483	7	9	ratios	ratio	NOUN
fsr-3483	7	10	for	for	ADP
fsr-3483	7	11	the	the	DET
fsr-3483	7	12	groups	group	NOUN
fsr-3483	7	13	other	other	ADJ
fsr-3483	7	14	than	than	ADP
fsr-3483	7	15	whites	white	NOUN
fsr-3483	7	16	,	,	PUNCT
fsr-3483	7	17	immigrant	immigrant	ADJ
fsr-3483	7	18	status	status	NOUN
fsr-3483	7	19	and	and	CCONJ
fsr-3483	7	20	other	other	ADJ
fsr-3483	7	21	factors	factor	NOUN
fsr-3483	7	22	plausibly	plausibly	ADV
fsr-3483	7	23	are	be	AUX
fsr-3483	7	24	related	relate	VERB
fsr-3483	7	25	.	.	PUNCT
fsr-3483	8	1	©	©	PROPN
fsr-3483	8	2	2022	2022	NUM
fsr-3483	8	3	academy	academy	NOUN
fsr-3483	8	4	of	of	ADP
fsr-3483	8	5	financial	financial	ADJ
fsr-3483	8	6	services	service	NOUN
fsr-3483	8	7	.	.	PUNCT
fsr-3483	9	1	all	all	DET
fsr-3483	9	2	rights	right	NOUN
fsr-3483	9	3	reserved	reserve	VERB
fsr-3483	9	4	.	.	PUNCT
fsr-3483	10	1	keywords	keyword	NOUN
fsr-3483	10	2	:	:	PUNCT
fsr-3483	10	3	financial	financial	ADJ
fsr-3483	10	4	literacy	literacy	NOUN
fsr-3483	10	5	;	;	PUNCT
fsr-3483	10	6	financial	financial	ADJ
fsr-3483	10	7	obligations	obligation	NOUN
fsr-3483	10	8	;	;	PUNCT
fsr-3483	10	9	survey	survey	NOUN
fsr-3483	10	10	of	of	ADP
fsr-3483	10	11	consumer	consumer	NOUN
fsr-3483	10	12	finances	finance	NOUN
fsr-3483	10	13	1	1	NUM
fsr-3483	10	14	.	.	PUNCT
fsr-3483	10	15	introduction	introduction	NOUN
fsr-3483	10	16	debt	debt	NOUN
fsr-3483	10	17	and	and	CCONJ
fsr-3483	10	18	other	other	ADJ
fsr-3483	10	19	financial	financial	ADJ
fsr-3483	10	20	obligations	obligation	NOUN
fsr-3483	10	21	have	have	AUX
fsr-3483	10	22	been	be	AUX
fsr-3483	10	23	a	a	DET
fsr-3483	10	24	concern	concern	NOUN
fsr-3483	10	25	for	for	ADP
fsr-3483	10	26	many	many	ADJ
fsr-3483	10	27	years	year	NOUN
fsr-3483	10	28	,	,	PUNCT
fsr-3483	10	29	and	and	CCONJ
fsr-3483	10	30	the	the	DET
fsr-3483	10	31	consequences	consequence	NOUN
fsr-3483	10	32	of	of	ADP
fsr-3483	10	33	having	have	VERB
fsr-3483	10	34	a	a	DET
fsr-3483	10	35	high	high	ADJ
fsr-3483	10	36	proportion	proportion	NOUN
fsr-3483	10	37	of	of	ADP
fsr-3483	10	38	one	one	NUM
fsr-3483	10	39	’s	’s	PART
fsr-3483	10	40	household	household	NOUN
fsr-3483	10	41	budget	budget	NOUN
fsr-3483	10	42	committed	commit	VERB
fsr-3483	10	43	to	to	ADP
fsr-3483	10	44	debt	debt	NOUN
fsr-3483	10	45	and	and	CCONJ
fsr-3483	10	46	other	other	ADJ
fsr-3483	10	47	*	*	PUNCT
fsr-3483	10	48	corresponding	correspond	VERB
fsr-3483	10	49	author	author	NOUN
fsr-3483	10	50	:	:	PUNCT
fsr-3483	10	51	tel	tel	PROPN
fsr-3483	10	52	.	.	PUNCT
fsr-3483	10	53	:	:	PUNCT
fsr-3483	10	54	785	785	NUM
fsr-3483	10	55	-	-	SYM
fsr-3483	10	56	532	532	NUM
fsr-3483	10	57	-	-	NUM
fsr-3483	10	58	1480	1480	NUM
fsr-3483	10	59	;	;	PUNCT
fsr-3483	10	60	fax	fax	NOUN
fsr-3483	10	61	:	:	PUNCT
fsr-3483	10	62	785	785	NUM
fsr-3483	10	63	-	-	SYM
fsr-3483	10	64	532	532	NUM
fsr-3483	10	65	-	-	SYM
fsr-3483	10	66	5505	5505	NUM
fsr-3483	10	67	.	.	PUNCT
fsr-3483	11	1	e	e	X
fsr-3483	11	2	-	-	NOUN
fsr-3483	11	3	mail	mail	NOUN
fsr-3483	11	4	address	address	NOUN
fsr-3483	11	5	:	:	PUNCT
fsr-3483	11	6	congrong@ksu.edu	congrong@ksu.edu	PROPN
fsr-3483	11	7	1057	1057	NUM
fsr-3483	11	8	-	-	SYM
fsr-3483	11	9	0810/22/$	0810/22/$	NUM
fsr-3483	11	10	–	–	PUNCT
fsr-3483	11	11	see	see	VERB
fsr-3483	11	12	front	front	ADJ
fsr-3483	11	13	matter	matter	NOUN
fsr-3483	11	14	©	©	PROPN
fsr-3483	11	15	2022	2022	NUM
fsr-3483	11	16	academy	academy	NOUN
fsr-3483	11	17	of	of	ADP
fsr-3483	11	18	financial	financial	ADJ
fsr-3483	11	19	services	service	NOUN
fsr-3483	11	20	.	.	PUNCT
fsr-3483	12	1	all	all	DET
fsr-3483	12	2	rights	right	NOUN
fsr-3483	12	3	reserved	reserve	VERB
fsr-3483	12	4	.	.	PUNCT
fsr-3483	13	1	financial	financial	ADJ
fsr-3483	13	2	services	service	NOUN
fsr-3483	13	3	review	review	VERB
fsr-3483	13	4	30	30	NUM
fsr-3483	13	5	(	(	PUNCT
fsr-3483	13	6	2022	2022	NUM
fsr-3483	13	7	)	)	PUNCT
fsr-3483	14	1	165–177	165–177	NUM
fsr-3483	14	2	obligations	obligation	NOUN
fsr-3483	14	3	could	could	AUX
fsr-3483	14	4	be	be	AUX
fsr-3483	14	5	seen	see	VERB
fsr-3483	14	6	in	in	ADP
fsr-3483	14	7	dramatic	dramatic	ADJ
fsr-3483	14	8	fashion	fashion	NOUN
fsr-3483	14	9	in	in	ADP
fsr-3483	14	10	the	the	DET
fsr-3483	14	11	great	great	ADJ
fsr-3483	14	12	recession	recession	NOUN
fsr-3483	14	13	that	that	PRON
fsr-3483	14	14	started	start	VERB
fsr-3483	14	15	in	in	ADP
fsr-3483	14	16	december	december	PROPN
fsr-3483	14	17	2007	2007	NUM
fsr-3483	14	18	(	(	PUNCT
fsr-3483	14	19	nber	nber	PROPN
fsr-3483	14	20	,	,	PUNCT
fsr-3483	14	21	2010	2010	NUM
fsr-3483	14	22	)	)	PUNCT
fsr-3483	14	23	.	.	PUNCT
fsr-3483	15	1	some	some	DET
fsr-3483	15	2	people	people	NOUN
fsr-3483	15	3	have	have	AUX
fsr-3483	15	4	concluded	conclude	VERB
fsr-3483	15	5	that	that	SCONJ
fsr-3483	15	6	excessive	excessive	ADJ
fsr-3483	15	7	credit	credit	NOUN
fsr-3483	15	8	use	use	NOUN
fsr-3483	15	9	was	be	AUX
fsr-3483	15	10	a	a	DET
fsr-3483	15	11	contributing	contribute	VERB
fsr-3483	15	12	factor	factor	NOUN
fsr-3483	15	13	to	to	ADP
fsr-3483	15	14	the	the	DET
fsr-3483	15	15	financial	financial	ADJ
fsr-3483	15	16	crisis	crisis	NOUN
fsr-3483	15	17	leading	lead	VERB
fsr-3483	15	18	up	up	ADP
fsr-3483	15	19	to	to	ADP
fsr-3483	15	20	the	the	DET
fsr-3483	15	21	recession	recession	NOUN
fsr-3483	15	22	.	.	PUNCT
fsr-3483	16	1	household	household	NOUN
fsr-3483	16	2	financial	financial	ADJ
fsr-3483	16	3	obligations	obligation	NOUN
fsr-3483	16	4	increased	increase	VERB
fsr-3483	16	5	drastically	drastically	ADV
fsr-3483	16	6	in	in	ADP
fsr-3483	16	7	united	united	PROPN
fsr-3483	16	8	states	states	PROPN
fsr-3483	16	9	by	by	ADP
fsr-3483	16	10	the	the	DET
fsr-3483	16	11	early	early	ADJ
fsr-3483	16	12	2000s	2000s	NUM
fsr-3483	16	13	,	,	PUNCT
fsr-3483	16	14	both	both	CCONJ
fsr-3483	16	15	in	in	ADP
fsr-3483	16	16	aggregate	aggregate	ADJ
fsr-3483	16	17	levels	level	NOUN
fsr-3483	16	18	and	and	CCONJ
fsr-3483	16	19	proportionally	proportionally	ADV
fsr-3483	16	20	to	to	ADP
fsr-3483	16	21	household	household	NOUN
fsr-3483	16	22	earnings	earning	NOUN
fsr-3483	16	23	(	(	PUNCT
fsr-3483	16	24	campbell	campbell	PROPN
fsr-3483	16	25	,	,	PUNCT
fsr-3483	16	26	2006	2006	NUM
fsr-3483	16	27	;	;	PUNCT
fsr-3483	16	28	debelle	debelle	ADJ
fsr-3483	16	29	,	,	PUNCT
fsr-3483	16	30	2004	2004	NUM
fsr-3483	16	31	;	;	PUNCT
fsr-3483	16	32	dynan	dynan	PROPN
fsr-3483	16	33	&	&	CCONJ
fsr-3483	16	34	kohn	kohn	PROPN
fsr-3483	16	35	,	,	PUNCT
fsr-3483	16	36	2006	2006	NUM
fsr-3483	16	37	)	)	PUNCT
fsr-3483	16	38	.	.	PUNCT
fsr-3483	17	1	the	the	DET
fsr-3483	17	2	amount	amount	NOUN
fsr-3483	17	3	of	of	ADP
fsr-3483	17	4	the	the	DET
fsr-3483	17	5	growth	growth	NOUN
fsr-3483	17	6	in	in	ADP
fsr-3483	17	7	household	household	NOUN
fsr-3483	17	8	borrowing	borrowing	NOUN
fsr-3483	17	9	raised	raise	VERB
fsr-3483	17	10	concerns	concern	NOUN
fsr-3483	17	11	about	about	ADP
fsr-3483	17	12	the	the	DET
fsr-3483	17	13	sustainability	sustainability	NOUN
fsr-3483	17	14	of	of	ADP
fsr-3483	17	15	household	household	NOUN
fsr-3483	17	16	finance	finance	NOUN
fsr-3483	17	17	and	and	CCONJ
fsr-3483	17	18	the	the	DET
fsr-3483	17	19	probable	probable	ADJ
fsr-3483	17	20	consequences	consequence	NOUN
fsr-3483	17	21	for	for	ADP
fsr-3483	17	22	personal	personal	ADJ
fsr-3483	17	23	finance	finance	NOUN
fsr-3483	17	24	system	system	NOUN
fsr-3483	17	25	.	.	PUNCT
fsr-3483	18	1	andriotis	andriotis	PROPN
fsr-3483	18	2	,	,	PUNCT
fsr-3483	18	3	brown	brown	ADJ
fsr-3483	18	4	,	,	PUNCT
fsr-3483	18	5	and	and	CCONJ
fsr-3483	18	6	shifflett	shifflett	PROPN
fsr-3483	18	7	(	(	PUNCT
fsr-3483	18	8	2019	2019	NUM
fsr-3483	18	9	)	)	PUNCT
fsr-3483	18	10	concluded	conclude	VERB
fsr-3483	18	11	that	that	SCONJ
fsr-3483	18	12	americans	americans	PROPN
fsr-3483	18	13	needed	need	VERB
fsr-3483	18	14	to	to	PART
fsr-3483	18	15	go	go	VERB
fsr-3483	18	16	deep	deep	ADV
fsr-3483	18	17	in	in	ADP
fsr-3483	18	18	debt	debt	NOUN
fsr-3483	18	19	for	for	ADP
fsr-3483	18	20	a	a	DET
fsr-3483	18	21	middle	middle	ADJ
fsr-3483	18	22	-	-	PUNCT
fsr-3483	18	23	class	class	NOUN
fsr-3483	18	24	lifestyle	lifestyle	NOUN
fsr-3483	18	25	.	.	PUNCT
fsr-3483	19	1	2	2	X
fsr-3483	19	2	.	.	X
fsr-3483	19	3	literature	literature	NOUN
fsr-3483	19	4	review	review	VERB
fsr-3483	19	5	2.1	2.1	NUM
fsr-3483	19	6	.	.	PUNCT
fsr-3483	20	1	personal	personal	ADJ
fsr-3483	20	2	finance	finance	NOUN
fsr-3483	20	3	guidelines	guideline	NOUN
fsr-3483	20	4	for	for	ADP
fsr-3483	20	5	debt	debt	NOUN
fsr-3483	20	6	and	and	CCONJ
fsr-3483	20	7	housing	housing	NOUN
fsr-3483	20	8	payments	payment	NOUN
fsr-3483	20	9	since	since	SCONJ
fsr-3483	20	10	the	the	DET
fsr-3483	20	11	1980s	1980	NOUN
fsr-3483	20	12	,	,	PUNCT
fsr-3483	20	13	scholars	scholar	NOUN
fsr-3483	20	14	with	with	ADP
fsr-3483	20	15	a	a	DET
fsr-3483	20	16	focus	focus	NOUN
fsr-3483	20	17	on	on	ADP
fsr-3483	20	18	personal	personal	ADJ
fsr-3483	20	19	finance	finance	NOUN
fsr-3483	20	20	have	have	AUX
fsr-3483	20	21	discussed	discuss	VERB
fsr-3483	20	22	using	use	VERB
fsr-3483	20	23	household	household	NOUN
fsr-3483	20	24	financial	financial	ADJ
fsr-3483	20	25	ratio	ratio	NOUN
fsr-3483	20	26	guidelines	guideline	NOUN
fsr-3483	20	27	to	to	PART
fsr-3483	20	28	help	help	VERB
fsr-3483	20	29	with	with	ADP
fsr-3483	20	30	personal	personal	ADJ
fsr-3483	20	31	financial	financial	ADJ
fsr-3483	20	32	burden	burden	NOUN
fsr-3483	20	33	management	management	NOUN
fsr-3483	20	34	and	and	CCONJ
fsr-3483	20	35	evaluate	evaluate	VERB
fsr-3483	20	36	whether	whether	SCONJ
fsr-3483	20	37	households	household	NOUN
fsr-3483	20	38	had	have	VERB
fsr-3483	20	39	appropriate	appropriate	ADJ
fsr-3483	20	40	financial	financial	ADJ
fsr-3483	20	41	behaviors	behavior	NOUN
fsr-3483	20	42	(	(	PUNCT
fsr-3483	20	43	griffith	griffith	PROPN
fsr-3483	20	44	,	,	PUNCT
fsr-3483	20	45	1985	1985	NUM
fsr-3483	20	46	;	;	PUNCT
fsr-3483	20	47	johnson	johnson	PROPN
fsr-3483	20	48	&	&	CCONJ
fsr-3483	20	49	widdows	widdows	PROPN
fsr-3483	20	50	,	,	PUNCT
fsr-3483	20	51	1985	1985	NUM
fsr-3483	20	52	)	)	PUNCT
fsr-3483	20	53	.	.	PUNCT
fsr-3483	21	1	hanna	hanna	PROPN
fsr-3483	21	2	,	,	PUNCT
fsr-3483	21	3	yuh	yuh	PROPN
fsr-3483	21	4	,	,	PUNCT
fsr-3483	21	5	and	and	CCONJ
fsr-3483	21	6	chatterjee	chatterjee	PROPN
fsr-3483	21	7	(	(	PUNCT
fsr-3483	21	8	2012a	2012a	NUM
fsr-3483	21	9	)	)	PUNCT
fsr-3483	21	10	reviewed	review	VERB
fsr-3483	21	11	some	some	DET
fsr-3483	21	12	past	past	ADJ
fsr-3483	21	13	recommendations	recommendation	NOUN
fsr-3483	21	14	and	and	CCONJ
fsr-3483	21	15	noted	note	VERB
fsr-3483	21	16	that	that	SCONJ
fsr-3483	21	17	a	a	DET
fsr-3483	21	18	starting	starting	NOUN
fsr-3483	21	19	point	point	NOUN
fsr-3483	21	20	for	for	ADP
fsr-3483	21	21	some	some	DET
fsr-3483	21	22	guidelines	guideline	NOUN
fsr-3483	21	23	was	be	AUX
fsr-3483	21	24	housing	housing	NOUN
fsr-3483	21	25	affordability	affordability	NOUN
fsr-3483	21	26	,	,	PUNCT
fsr-3483	21	27	with	with	ADP
fsr-3483	21	28	the	the	DET
fsr-3483	21	29	idea	idea	NOUN
fsr-3483	21	30	that	that	SCONJ
fsr-3483	21	31	housing	housing	NOUN
fsr-3483	21	32	costs	cost	NOUN
fsr-3483	21	33	should	should	AUX
fsr-3483	21	34	be	be	AUX
fsr-3483	21	35	no	no	ADV
fsr-3483	21	36	more	more	ADJ
fsr-3483	21	37	than	than	ADP
fsr-3483	21	38	30	30	NUM
fsr-3483	21	39	%	%	NOUN
fsr-3483	21	40	of	of	ADP
fsr-3483	21	41	income	income	NOUN
fsr-3483	21	42	.	.	PUNCT
fsr-3483	22	1	the	the	DET
fsr-3483	22	2	u.s	u.s	PROPN
fsr-3483	22	3	.	.	PROPN
fsr-3483	22	4	government	government	NOUN
fsr-3483	22	5	has	have	AUX
fsr-3483	22	6	had	have	VERB
fsr-3483	22	7	subsidy	subsidy	NOUN
fsr-3483	22	8	programs	program	NOUN
fsr-3483	22	9	that	that	PRON
fsr-3483	22	10	tried	try	VERB
fsr-3483	22	11	to	to	PART
fsr-3483	22	12	help	help	VERB
fsr-3483	22	13	low	low	ADJ
fsr-3483	22	14	-	-	PUNCT
fsr-3483	22	15	income	income	NOUN
fsr-3483	22	16	households	household	NOUN
fsr-3483	22	17	pay	pay	VERB
fsr-3483	22	18	no	no	DET
fsr-3483	22	19	more	more	ADJ
fsr-3483	22	20	than	than	ADP
fsr-3483	22	21	30	30	NUM
fsr-3483	22	22	%	%	NOUN
fsr-3483	22	23	of	of	ADP
fsr-3483	22	24	income	income	NOUN
fsr-3483	22	25	for	for	ADP
fsr-3483	22	26	rent	rent	NOUN
fsr-3483	22	27	(	(	PUNCT
fsr-3483	22	28	mckenna	mckenna	PROPN
fsr-3483	22	29	&	&	CCONJ
fsr-3483	22	30	hills	hill	NOUN
fsr-3483	22	31	,	,	PUNCT
fsr-3483	22	32	1982	1982	NUM
fsr-3483	22	33	,	,	PUNCT
fsr-3483	22	34	p.	p.	NOUN
fsr-3483	22	35	24	24	NUM
fsr-3483	22	36	)	)	PUNCT
fsr-3483	22	37	.	.	PUNCT
fsr-3483	23	1	lytton	lytton	PROPN
fsr-3483	23	2	,	,	PUNCT
fsr-3483	23	3	garman	garman	PROPN
fsr-3483	23	4	,	,	PUNCT
fsr-3483	23	5	and	and	CCONJ
fsr-3483	23	6	porter	porter	NOUN
fsr-3483	23	7	(	(	PUNCT
fsr-3483	23	8	1991	1991	NUM
fsr-3483	23	9	)	)	PUNCT
fsr-3483	23	10	streamlined	streamlined	ADJ
fsr-3483	23	11	debt	debt	NOUN
fsr-3483	23	12	ratio	ratio	NOUN
fsr-3483	23	13	guidelines	guideline	NOUN
fsr-3483	23	14	and	and	CCONJ
fsr-3483	23	15	proposed	propose	VERB
fsr-3483	23	16	that	that	SCONJ
fsr-3483	23	17	a	a	DET
fsr-3483	23	18	safe	safe	ADJ
fsr-3483	23	19	debt	debt	NOUN
fsr-3483	23	20	limit	limit	NOUN
fsr-3483	23	21	for	for	ADP
fsr-3483	23	22	the	the	DET
fsr-3483	23	23	consumer	consumer	NOUN
fsr-3483	23	24	debt	debt	NOUN
fsr-3483	23	25	-	-	PUNCT
fsr-3483	23	26	service	service	NOUN
fsr-3483	23	27	ratio	ratio	NOUN
fsr-3483	23	28	should	should	AUX
fsr-3483	23	29	be	be	AUX
fsr-3483	23	30	10	10	NUM
fsr-3483	23	31	%	%	NOUN
fsr-3483	23	32	or	or	CCONJ
fsr-3483	23	33	less	less	ADJ
fsr-3483	23	34	,	,	PUNCT
fsr-3483	23	35	and	and	CCONJ
fsr-3483	23	36	16	16	NUM
fsr-3483	23	37	-	-	SYM
fsr-3483	23	38	20	20	NUM
fsr-3483	23	39	%	%	NOUN
fsr-3483	23	40	should	should	AUX
fsr-3483	23	41	be	be	AUX
fsr-3483	23	42	considered	consider	VERB
fsr-3483	23	43	that	that	SCONJ
fsr-3483	23	44	the	the	DET
fsr-3483	23	45	household	household	NOUN
fsr-3483	23	46	is	be	AUX
fsr-3483	23	47	fully	fully	ADV
fsr-3483	23	48	stretched	stretch	VERB
fsr-3483	23	49	.	.	PUNCT
fsr-3483	24	1	they	they	PRON
fsr-3483	24	2	also	also	ADV
fsr-3483	24	3	discussed	discuss	VERB
fsr-3483	24	4	the	the	DET
fsr-3483	24	5	debt	debt	NOUN
fsr-3483	24	6	-	-	PUNCT
fsr-3483	24	7	service	service	NOUN
fsr-3483	24	8	ratio	ratio	NOUN
fsr-3483	24	9	,	,	PUNCT
fsr-3483	24	10	defined	define	VERB
fsr-3483	24	11	as	as	ADP
fsr-3483	24	12	annual	annual	ADJ
fsr-3483	24	13	consumer	consumer	NOUN
fsr-3483	24	14	and	and	CCONJ
fsr-3483	24	15	mortgage	mortgage	NOUN
fsr-3483	24	16	debt	debt	NOUN
fsr-3483	24	17	repayment	repayment	NOUN
fsr-3483	24	18	divided	divide	VERB
fsr-3483	24	19	by	by	ADP
fsr-3483	24	20	annual	annual	ADJ
fsr-3483	24	21	income	income	NOUN
fsr-3483	24	22	,	,	PUNCT
fsr-3483	24	23	and	and	CCONJ
fsr-3483	24	24	suggested	suggest	VERB
fsr-3483	24	25	that	that	SCONJ
fsr-3483	24	26	a	a	DET
fsr-3483	24	27	value	value	NOUN
fsr-3483	24	28	of	of	ADP
fsr-3483	24	29	less	less	ADJ
fsr-3483	24	30	than	than	ADP
fsr-3483	24	31	30	30	NUM
fsr-3483	24	32	%	%	NOUN
fsr-3483	24	33	for	for	ADP
fsr-3483	24	34	the	the	DET
fsr-3483	24	35	ratio	ratio	NOUN
fsr-3483	24	36	should	should	AUX
fsr-3483	24	37	be	be	AUX
fsr-3483	24	38	considered	consider	VERB
fsr-3483	24	39	safe	safe	ADJ
fsr-3483	24	40	.	.	PUNCT
fsr-3483	25	1	greninger	greninger	NOUN
fsr-3483	25	2	,	,	PUNCT
fsr-3483	25	3	hampton	hampton	PROPN
fsr-3483	25	4	,	,	PUNCT
fsr-3483	25	5	kitt	kitt	PROPN
fsr-3483	25	6	,	,	PUNCT
fsr-3483	25	7	and	and	CCONJ
fsr-3483	25	8	achacoso	achacoso	NOUN
fsr-3483	25	9	(	(	PUNCT
fsr-3483	25	10	1996	1996	NUM
fsr-3483	25	11	)	)	PUNCT
fsr-3483	25	12	surveyed	survey	VERB
fsr-3483	25	13	a	a	DET
fsr-3483	25	14	sample	sample	NOUN
fsr-3483	25	15	of	of	ADP
fsr-3483	25	16	financial	financial	ADJ
fsr-3483	25	17	educators	educator	NOUN
fsr-3483	25	18	and	and	CCONJ
fsr-3483	25	19	financial	financial	ADJ
fsr-3483	25	20	planners	planner	NOUN
fsr-3483	25	21	for	for	ADP
fsr-3483	25	22	opinions	opinion	NOUN
fsr-3483	25	23	on	on	ADP
fsr-3483	25	24	a	a	DET
fsr-3483	25	25	variety	variety	NOUN
fsr-3483	25	26	of	of	ADP
fsr-3483	25	27	financial	financial	ADJ
fsr-3483	25	28	ratio	ratio	NOUN
fsr-3483	25	29	benchmarks	benchmark	NOUN
fsr-3483	25	30	in	in	ADP
fsr-3483	25	31	household	household	NOUN
fsr-3483	25	32	portfolios	portfolio	NOUN
fsr-3483	25	33	and	and	CCONJ
fsr-3483	25	34	found	find	VERB
fsr-3483	25	35	a	a	DET
fsr-3483	25	36	median	median	ADJ
fsr-3483	25	37	response	response	NOUN
fsr-3483	25	38	for	for	ADP
fsr-3483	25	39	the	the	DET
fsr-3483	25	40	debt	debt	NOUN
fsr-3483	25	41	service	service	NOUN
fsr-3483	25	42	ratio	ratio	NOUN
fsr-3483	25	43	as	as	ADP
fsr-3483	25	44	35	35	NUM
fsr-3483	25	45	%	%	NOUN
fsr-3483	25	46	for	for	ADP
fsr-3483	25	47	a	a	DET
fsr-3483	25	48	reasonable	reasonable	ADJ
fsr-3483	25	49	limit	limit	NOUN
fsr-3483	25	50	and	and	CCONJ
fsr-3483	25	51	45	45	NUM
fsr-3483	25	52	%	%	NOUN
fsr-3483	25	53	as	as	ADP
fsr-3483	25	54	a	a	DET
fsr-3483	25	55	danger	danger	NOUN
fsr-3483	25	56	point	point	NOUN
fsr-3483	25	57	.	.	PUNCT
fsr-3483	26	1	a	a	DET
fsr-3483	26	2	similar	similar	ADJ
fsr-3483	26	3	recommendation	recommendation	NOUN
fsr-3483	26	4	was	be	AUX
fsr-3483	26	5	summarized	summarize	VERB
fsr-3483	26	6	by	by	ADP
fsr-3483	26	7	devaney	devaney	PROPN
fsr-3483	26	8	(	(	PUNCT
fsr-3483	26	9	2000	2000	NUM
fsr-3483	26	10	)	)	PUNCT
fsr-3483	26	11	,	,	PUNCT
fsr-3483	26	12	who	who	PRON
fsr-3483	26	13	suggested	suggest	VERB
fsr-3483	26	14	that	that	SCONJ
fsr-3483	26	15	the	the	DET
fsr-3483	26	16	total	total	ADJ
fsr-3483	26	17	debt	debt	NOUN
fsr-3483	26	18	payment	payment	NOUN
fsr-3483	26	19	to	to	ADP
fsr-3483	26	20	income	income	NOUN
fsr-3483	26	21	ratio	ratio	NOUN
fsr-3483	26	22	should	should	AUX
fsr-3483	26	23	not	not	PART
fsr-3483	26	24	exceed	exceed	VERB
fsr-3483	26	25	30	30	NUM
fsr-3483	26	26	-	-	SYM
fsr-3483	26	27	35	35	NUM
fsr-3483	26	28	%	%	NOUN
fsr-3483	26	29	when	when	SCONJ
fsr-3483	26	30	using	use	VERB
fsr-3483	26	31	gross	gross	ADJ
fsr-3483	26	32	income	income	NOUN
fsr-3483	26	33	.	.	PUNCT
fsr-3483	27	1	2.2	2.2	NUM
fsr-3483	27	2	.	.	PUNCT
fsr-3483	28	1	personal	personal	ADJ
fsr-3483	28	2	finance	finance	NOUN
fsr-3483	28	3	debt	debt	NOUN
fsr-3483	28	4	payment	payment	NOUN
fsr-3483	28	5	guidelines	guideline	NOUN
fsr-3483	28	6	for	for	ADP
fsr-3483	28	7	renters	renter	NOUN
fsr-3483	28	8	one	one	NUM
fsr-3483	28	9	limitation	limitation	NOUN
fsr-3483	28	10	of	of	ADP
fsr-3483	28	11	the	the	DET
fsr-3483	28	12	personal	personal	ADJ
fsr-3483	28	13	finance	finance	NOUN
fsr-3483	28	14	guidelines	guideline	NOUN
fsr-3483	28	15	related	relate	VERB
fsr-3483	28	16	to	to	ADP
fsr-3483	28	17	debt	debt	NOUN
fsr-3483	28	18	is	be	AUX
fsr-3483	28	19	that	that	SCONJ
fsr-3483	28	20	they	they	PRON
fsr-3483	28	21	do	do	AUX
fsr-3483	28	22	not	not	PART
fsr-3483	28	23	apply	apply	VERB
fsr-3483	28	24	appropriately	appropriately	ADV
fsr-3483	28	25	to	to	ADP
fsr-3483	28	26	renters	renter	NOUN
fsr-3483	28	27	,	,	PUNCT
fsr-3483	28	28	because	because	SCONJ
fsr-3483	28	29	the	the	DET
fsr-3483	28	30	guidelines	guideline	NOUN
fsr-3483	28	31	treat	treat	VERB
fsr-3483	28	32	consumer	consumer	NOUN
fsr-3483	28	33	debt	debt	NOUN
fsr-3483	28	34	payments	payment	NOUN
fsr-3483	28	35	as	as	ADP
fsr-3483	28	36	independent	independent	ADJ
fsr-3483	28	37	of	of	ADP
fsr-3483	28	38	rent	rent	NOUN
fsr-3483	28	39	payments	payment	NOUN
fsr-3483	28	40	.	.	PUNCT
fsr-3483	29	1	dynan	dynan	NOUN
fsr-3483	29	2	et	et	PROPN
fsr-3483	29	3	al	al	PROPN
fsr-3483	29	4	.	.	PROPN
fsr-3483	30	1	(	(	PUNCT
fsr-3483	30	2	2003	2003	NUM
fsr-3483	30	3	)	)	PUNCT
fsr-3483	30	4	proposed	propose	VERB
fsr-3483	30	5	use	use	NOUN
fsr-3483	30	6	of	of	ADP
fsr-3483	30	7	a	a	DET
fsr-3483	30	8	broader	broad	ADJ
fsr-3483	30	9	measure	measure	NOUN
fsr-3483	30	10	,	,	PUNCT
fsr-3483	30	11	financial	financial	ADJ
fsr-3483	30	12	obligations	obligation	NOUN
fsr-3483	30	13	,	,	PUNCT
fsr-3483	30	14	which	which	PRON
fsr-3483	30	15	included	include	VERB
fsr-3483	30	16	obligations	obligation	NOUN
fsr-3483	30	17	other	other	ADJ
fsr-3483	30	18	than	than	ADP
fsr-3483	30	19	loan	loan	NOUN
fsr-3483	30	20	payments	payment	NOUN
fsr-3483	30	21	,	,	PUNCT
fsr-3483	30	22	rent	rent	NOUN
fsr-3483	30	23	,	,	PUNCT
fsr-3483	30	24	and	and	CCONJ
fsr-3483	30	25	vehicle	vehicle	NOUN
fsr-3483	30	26	lease	lease	NOUN
fsr-3483	30	27	payments	payment	NOUN
fsr-3483	30	28	.	.	PUNCT
fsr-3483	31	1	dynan	dynan	PROPN
fsr-3483	31	2	,	,	PUNCT
fsr-3483	31	3	johnson	johnson	PROPN
fsr-3483	31	4	,	,	PUNCT
fsr-3483	31	5	and	and	CCONJ
fsr-3483	31	6	pence	penny	NOUN
fsr-3483	31	7	(	(	PUNCT
fsr-3483	31	8	2003	2003	NUM
fsr-3483	31	9	)	)	PUNCT
fsr-3483	31	10	and	and	CCONJ
fsr-3483	31	11	johnson	johnson	PROPN
fsr-3483	31	12	(	(	PUNCT
fsr-3483	31	13	2005	2005	NUM
fsr-3483	31	14	)	)	PUNCT
fsr-3483	31	15	presented	present	VERB
fsr-3483	31	16	analyses	analysis	NOUN
fsr-3483	31	17	primarily	primarily	ADV
fsr-3483	31	18	based	base	VERB
fsr-3483	31	19	on	on	ADP
fsr-3483	31	20	aggregate	aggregate	ADJ
fsr-3483	31	21	data	datum	NOUN
fsr-3483	31	22	.	.	PUNCT
fsr-3483	32	1	hanna	hanna	PROPN
fsr-3483	32	2	et	et	PROPN
fsr-3483	32	3	al	al	PROPN
fsr-3483	32	4	.	.	PROPN
fsr-3483	32	5	(	(	PUNCT
fsr-3483	32	6	2012a	2012a	NUM
fsr-3483	32	7	)	)	PUNCT
fsr-3483	32	8	were	be	AUX
fsr-3483	32	9	the	the	DET
fsr-3483	32	10	first	first	ADJ
fsr-3483	32	11	authors	author	NOUN
fsr-3483	32	12	to	to	PART
fsr-3483	32	13	provide	provide	VERB
fsr-3483	32	14	analyses	analysis	NOUN
fsr-3483	32	15	of	of	ADP
fsr-3483	32	16	household	household	NOUN
fsr-3483	32	17	data	datum	NOUN
fsr-3483	32	18	in	in	ADP
fsr-3483	32	19	terms	term	NOUN
fsr-3483	32	20	of	of	ADP
fsr-3483	32	21	the	the	DET
fsr-3483	32	22	financial	financial	ADJ
fsr-3483	32	23	obligations	obligation	NOUN
fsr-3483	32	24	ratio	ratio	NOUN
fsr-3483	32	25	.	.	PUNCT
fsr-3483	33	1	our	our	PRON
fsr-3483	33	2	analyses	analysis	NOUN
fsr-3483	33	3	(	(	PUNCT
fsr-3483	33	4	fig	fig	NOUN
fsr-3483	33	5	.	.	NOUN
fsr-3483	33	6	1	1	X
fsr-3483	33	7	)	)	PUNCT
fsr-3483	33	8	show	show	VERB
fsr-3483	33	9	that	that	SCONJ
fsr-3483	33	10	since	since	SCONJ
fsr-3483	33	11	2007	2007	NUM
fsr-3483	33	12	,	,	PUNCT
fsr-3483	33	13	the	the	DET
fsr-3483	33	14	proportion	proportion	NOUN
fsr-3483	33	15	of	of	ADP
fsr-3483	33	16	renters	renter	NOUN
fsr-3483	33	17	with	with	ADP
fsr-3483	33	18	financial	financial	ADJ
fsr-3483	33	19	obligations	obligation	NOUN
fsr-3483	33	20	burdens	burden	NOUN
fsr-3483	33	21	over	over	ADP
fsr-3483	33	22	40	40	NUM
fsr-3483	33	23	%	%	NOUN
fsr-3483	33	24	of	of	ADP
fsr-3483	33	25	166	166	NUM
fsr-3483	33	26	c.	c.	PROPN
fsr-3483	33	27	ouyang	ouyang	PROPN
fsr-3483	33	28	and	and	CCONJ
fsr-3483	33	29	s.	s.	PROPN
fsr-3483	33	30	d.	d.	PROPN
fsr-3483	33	31	hanna	hanna	PROPN
fsr-3483	33	32	/	/	SYM
fsr-3483	33	33	financial	financial	ADJ
fsr-3483	33	34	services	service	NOUN
fsr-3483	33	35	review	review	VERB
fsr-3483	33	36	30	30	NUM
fsr-3483	33	37	(	(	PUNCT
fsr-3483	33	38	2022	2022	NUM
fsr-3483	33	39	)	)	PUNCT
fsr-3483	33	40	165–177	165–177	NUM
fsr-3483	33	41	income	income	NOUN
fsr-3483	33	42	increased	increase	VERB
fsr-3483	33	43	in	in	ADP
fsr-3483	33	44	2013	2013	NUM
fsr-3483	33	45	to	to	ADP
fsr-3483	33	46	40	40	NUM
fsr-3483	33	47	%	%	NOUN
fsr-3483	33	48	of	of	ADP
fsr-3483	33	49	renters	renter	NOUN
fsr-3483	33	50	,	,	PUNCT
fsr-3483	33	51	higher	high	ADJ
fsr-3483	33	52	than	than	ADP
fsr-3483	33	53	at	at	ADP
fsr-3483	33	54	any	any	DET
fsr-3483	33	55	year	year	NOUN
fsr-3483	33	56	from	from	ADP
fsr-3483	33	57	1992	1992	NUM
fsr-3483	33	58	to	to	ADP
fsr-3483	33	59	2010	2010	NUM
fsr-3483	33	60	,	,	PUNCT
fsr-3483	33	61	and	and	CCONJ
fsr-3483	33	62	remained	remain	VERB
fsr-3483	33	63	at	at	ADP
fsr-3483	33	64	about	about	ADV
fsr-3483	33	65	the	the	DET
fsr-3483	33	66	same	same	ADJ
fsr-3483	33	67	level	level	NOUN
fsr-3483	33	68	in	in	ADP
fsr-3483	33	69	2016	2016	NUM
fsr-3483	33	70	.	.	PUNCT
fsr-3483	34	1	2.3	2.3	NUM
fsr-3483	34	2	.	.	PUNCT
fsr-3483	34	3	consequences	consequence	NOUN
fsr-3483	34	4	of	of	ADP
fsr-3483	34	5	not	not	PART
fsr-3483	34	6	maintaining	maintain	VERB
fsr-3483	34	7	financial	financial	ADJ
fsr-3483	34	8	obligations	obligation	NOUN
fsr-3483	34	9	payments	payment	NOUN
fsr-3483	34	10	turunen	turunen	NOUN
fsr-3483	34	11	and	and	CCONJ
fsr-3483	34	12	hiilamo	hiilamo	PROPN
fsr-3483	34	13	(	(	PUNCT
fsr-3483	34	14	2014	2014	NUM
fsr-3483	34	15	)	)	PUNCT
fsr-3483	34	16	reviewed	review	VERB
fsr-3483	34	17	33	33	NUM
fsr-3483	34	18	studies	study	NOUN
fsr-3483	34	19	on	on	ADP
fsr-3483	34	20	the	the	DET
fsr-3483	34	21	relationship	relationship	NOUN
fsr-3483	34	22	between	between	ADP
fsr-3483	34	23	heavy	heavy	ADJ
fsr-3483	34	24	debt	debt	NOUN
fsr-3483	34	25	loads	load	NOUN
fsr-3483	34	26	and	and	CCONJ
fsr-3483	34	27	health	health	NOUN
fsr-3483	34	28	and	and	CCONJ
fsr-3483	34	29	concluded	conclude	VERB
fsr-3483	34	30	that	that	SCONJ
fsr-3483	34	31	there	there	PRON
fsr-3483	34	32	could	could	AUX
fsr-3483	34	33	be	be	AUX
fsr-3483	34	34	serious	serious	ADJ
fsr-3483	34	35	health	health	NOUN
fsr-3483	34	36	consequences	consequence	NOUN
fsr-3483	34	37	.	.	PUNCT
fsr-3483	35	1	for	for	ADP
fsr-3483	35	2	renter	renter	NOUN
fsr-3483	35	3	households	household	NOUN
fsr-3483	35	4	,	,	PUNCT
fsr-3483	35	5	having	have	VERB
fsr-3483	35	6	high	high	ADJ
fsr-3483	35	7	financial	financial	ADJ
fsr-3483	35	8	obligations	obligation	NOUN
fsr-3483	35	9	may	may	AUX
fsr-3483	35	10	also	also	ADV
fsr-3483	35	11	prevent	prevent	VERB
fsr-3483	35	12	accumulation	accumulation	NOUN
fsr-3483	35	13	of	of	ADP
fsr-3483	35	14	savings	saving	NOUN
fsr-3483	35	15	needed	need	VERB
fsr-3483	35	16	to	to	PART
fsr-3483	35	17	buy	buy	VERB
fsr-3483	35	18	a	a	DET
fsr-3483	35	19	home	home	NOUN
fsr-3483	35	20	.	.	PUNCT
fsr-3483	36	1	for	for	ADP
fsr-3483	36	2	renters	renter	NOUN
fsr-3483	36	3	,	,	PUNCT
fsr-3483	36	4	a	a	DET
fsr-3483	36	5	consequence	consequence	NOUN
fsr-3483	36	6	of	of	ADP
fsr-3483	36	7	not	not	PART
fsr-3483	36	8	keeping	keep	VERB
fsr-3483	36	9	up	up	ADP
fsr-3483	36	10	with	with	ADP
fsr-3483	36	11	rent	rent	NOUN
fsr-3483	36	12	payments	payment	NOUN
fsr-3483	36	13	could	could	AUX
fsr-3483	36	14	be	be	AUX
fsr-3483	36	15	eviction	eviction	NOUN
fsr-3483	36	16	.	.	PUNCT
fsr-3483	37	1	there	there	PRON
fsr-3483	37	2	might	might	AUX
fsr-3483	37	3	be	be	AUX
fsr-3483	37	4	serious	serious	ADJ
fsr-3483	37	5	problems	problem	NOUN
fsr-3483	37	6	for	for	ADP
fsr-3483	37	7	households	household	NOUN
fsr-3483	37	8	with	with	ADP
fsr-3483	37	9	limited	limited	ADJ
fsr-3483	37	10	liquid	liquid	ADJ
fsr-3483	37	11	assets	asset	NOUN
fsr-3483	37	12	and	and	CCONJ
fsr-3483	37	13	access	access	NOUN
fsr-3483	37	14	to	to	ADP
fsr-3483	37	15	credit	credit	NOUN
fsr-3483	37	16	.	.	PUNCT
fsr-3483	38	1	badger	badger	NOUN
fsr-3483	38	2	and	and	CCONJ
fsr-3483	38	3	bui	bui	PROPN
fsr-3483	38	4	(	(	PUNCT
fsr-3483	38	5	2018	2018	NUM
fsr-3483	38	6	)	)	PUNCT
fsr-3483	38	7	reported	report	VERB
fsr-3483	38	8	on	on	ADP
fsr-3483	38	9	research	research	NOUN
fsr-3483	38	10	estimating	estimate	VERB
fsr-3483	38	11	that	that	SCONJ
fsr-3483	38	12	there	there	PRON
fsr-3483	38	13	are	be	VERB
fsr-3483	38	14	millions	million	NOUN
fsr-3483	38	15	of	of	ADP
fsr-3483	38	16	evictions	eviction	NOUN
fsr-3483	38	17	in	in	ADP
fsr-3483	38	18	the	the	DET
fsr-3483	38	19	united	united	PROPN
fsr-3483	38	20	states	states	PROPN
fsr-3483	38	21	,	,	PUNCT
fsr-3483	38	22	with	with	ADP
fsr-3483	38	23	some	some	PRON
fsr-3483	38	24	resulting	result	VERB
fsr-3483	38	25	in	in	ADP
fsr-3483	38	26	homelessness	homelessness	NOUN
fsr-3483	38	27	.	.	PUNCT
fsr-3483	39	1	2.4	2.4	NUM
fsr-3483	39	2	.	.	PUNCT
fsr-3483	40	1	theoretical	theoretical	ADJ
fsr-3483	40	2	basis	basis	NOUN
fsr-3483	40	3	of	of	ADP
fsr-3483	40	4	financial	financial	ADJ
fsr-3483	40	5	obligations	obligation	NOUN
fsr-3483	40	6	guidelines	guideline	NOUN
fsr-3483	40	7	moon	moon	NOUN
fsr-3483	40	8	,	,	PUNCT
fsr-3483	40	9	yuh	yuh	PROPN
fsr-3483	40	10	,	,	PUNCT
fsr-3483	40	11	and	and	CCONJ
fsr-3483	40	12	hanna	hanna	PROPN
fsr-3483	40	13	(	(	PUNCT
fsr-3483	40	14	2002	2002	NUM
fsr-3483	40	15	)	)	PUNCT
fsr-3483	40	16	noted	note	VERB
fsr-3483	40	17	that	that	SCONJ
fsr-3483	40	18	none	none	NOUN
fsr-3483	40	19	of	of	ADP
fsr-3483	40	20	the	the	DET
fsr-3483	40	21	personal	personal	ADJ
fsr-3483	40	22	finance	finance	NOUN
fsr-3483	40	23	guidelines	guideline	NOUN
fsr-3483	40	24	suggested	suggest	VERB
fsr-3483	40	25	by	by	ADP
fsr-3483	40	26	financial	financial	ADJ
fsr-3483	40	27	educators	educator	NOUN
fsr-3483	40	28	had	have	AUX
fsr-3483	40	29	been	be	AUX
fsr-3483	40	30	developed	develop	VERB
fsr-3483	40	31	based	base	VERB
fsr-3483	40	32	on	on	ADP
fsr-3483	40	33	rigorous	rigorous	ADJ
fsr-3483	40	34	economic	economic	ADJ
fsr-3483	40	35	analyses	analysis	NOUN
fsr-3483	40	36	.	.	PUNCT
fsr-3483	41	1	hanna	hanna	PROPN
fsr-3483	41	2	et	et	PROPN
fsr-3483	41	3	al	al	PROPN
fsr-3483	41	4	.	.	PROPN
fsr-3483	41	5	(	(	PUNCT
fsr-3483	41	6	2012a	2012a	NUM
fsr-3483	41	7	)	)	PUNCT
fsr-3483	41	8	discussed	discuss	VERB
fsr-3483	41	9	the	the	DET
fsr-3483	41	10	challenges	challenge	NOUN
fsr-3483	41	11	of	of	ADP
fsr-3483	41	12	rigorously	rigorously	ADV
fsr-3483	41	13	developing	develop	VERB
fsr-3483	41	14	guidelines	guideline	NOUN
fsr-3483	41	15	,	,	PUNCT
fsr-3483	41	16	because	because	SCONJ
fsr-3483	41	17	modeling	model	VERB
fsr-3483	41	18	the	the	DET
fsr-3483	41	19	nonmonetary	nonmonetary	ADJ
fsr-3483	41	20	consequences	consequence	NOUN
fsr-3483	41	21	of	of	ADP
fsr-3483	41	22	default	default	NOUN
fsr-3483	41	23	could	could	AUX
fsr-3483	41	24	be	be	AUX
fsr-3483	41	25	complex	complex	ADJ
fsr-3483	41	26	.	.	PUNCT
fsr-3483	42	1	carrying	carry	VERB
fsr-3483	42	2	heavy	heavy	ADJ
fsr-3483	42	3	financial	financial	ADJ
fsr-3483	42	4	obligations	obligation	NOUN
fsr-3483	42	5	might	might	AUX
fsr-3483	42	6	increase	increase	VERB
fsr-3483	42	7	the	the	DET
fsr-3483	42	8	risk	risk	NOUN
fsr-3483	42	9	to	to	ADP
fsr-3483	42	10	households	household	NOUN
fsr-3483	42	11	,	,	PUNCT
fsr-3483	42	12	as	as	SCONJ
fsr-3483	42	13	a	a	DET
fsr-3483	42	14	decrease	decrease	NOUN
fsr-3483	42	15	in	in	ADP
fsr-3483	42	16	income	income	NOUN
fsr-3483	42	17	might	might	AUX
fsr-3483	42	18	lead	lead	VERB
fsr-3483	42	19	to	to	ADP
fsr-3483	42	20	loan	loan	NOUN
fsr-3483	42	21	defaults	default	NOUN
fsr-3483	42	22	,	,	PUNCT
fsr-3483	42	23	including	include	VERB
fsr-3483	42	24	mortgage	mortgage	NOUN
fsr-3483	42	25	,	,	PUNCT
fsr-3483	42	26	car	car	NOUN
fsr-3483	42	27	loans	loan	NOUN
fsr-3483	42	28	,	,	PUNCT
fsr-3483	42	29	and	and	CCONJ
fsr-3483	42	30	education	education	NOUN
fsr-3483	42	31	loans	loan	NOUN
fsr-3483	42	32	,	,	PUNCT
fsr-3483	42	33	or	or	CCONJ
fsr-3483	42	34	evictions	eviction	NOUN
fsr-3483	42	35	from	from	ADP
fsr-3483	42	36	rental	rental	ADJ
fsr-3483	42	37	housing	housing	NOUN
fsr-3483	42	38	.	.	PUNCT
fsr-3483	43	1	trying	try	VERB
fsr-3483	43	2	to	to	PART
fsr-3483	43	3	follow	follow	VERB
fsr-3483	43	4	appropriate	appropriate	ADJ
fsr-3483	43	5	financial	financial	ADJ
fsr-3483	43	6	obligation	obligation	NOUN
fsr-3483	43	7	or	or	CCONJ
fsr-3483	43	8	income	income	NOUN
fsr-3483	43	9	ratio	ratio	NOUN
fsr-3483	43	10	guideline	guideline	NOUN
fsr-3483	43	11	can	can	AUX
fsr-3483	43	12	allow	allow	VERB
fsr-3483	43	13	households	household	NOUN
fsr-3483	43	14	to	to	PART
fsr-3483	43	15	possibly	possibly	ADV
fsr-3483	43	16	maintain	maintain	VERB
fsr-3483	43	17	a	a	DET
fsr-3483	43	18	more	more	ADV
fsr-3483	43	19	efficient	efficient	ADJ
fsr-3483	43	20	consumption	consumption	NOUN
fsr-3483	43	21	level	level	NOUN
fsr-3483	43	22	fig	fig	NOUN
fsr-3483	43	23	.	.	PUNCT
fsr-3483	44	1	1	1	X
fsr-3483	44	2	.	.	X
fsr-3483	44	3	proportion	proportion	NOUN
fsr-3483	44	4	of	of	ADP
fsr-3483	44	5	all	all	DET
fsr-3483	44	6	households	household	NOUN
fsr-3483	44	7	,	,	PUNCT
fsr-3483	44	8	of	of	ADP
fsr-3483	44	9	homeowners	homeowner	NOUN
fsr-3483	44	10	,	,	PUNCT
fsr-3483	44	11	and	and	CCONJ
fsr-3483	44	12	of	of	ADP
fsr-3483	44	13	renters	renter	NOUN
fsr-3483	44	14	,	,	PUNCT
fsr-3483	44	15	with	with	SCONJ
fsr-3483	44	16	financial	financial	ADJ
fsr-3483	44	17	obligations	obligation	NOUN
fsr-3483	44	18	burden	burden	VERB
fsr-3483	44	19	over	over	ADP
fsr-3483	44	20	40	40	NUM
fsr-3483	44	21	%	%	NOUN
fsr-3483	44	22	of	of	ADP
fsr-3483	44	23	income	income	NOUN
fsr-3483	44	24	,	,	PUNCT
fsr-3483	44	25	1992	1992	NUM
fsr-3483	44	26	-	-	SYM
fsr-3483	44	27	2016	2016	NUM
fsr-3483	44	28	.	.	PUNCT
fsr-3483	45	1	note	note	NOUN
fsr-3483	45	2	:	:	PUNCT
fsr-3483	45	3	based	base	VERB
fsr-3483	45	4	on	on	ADP
fsr-3483	45	5	weighted	weighted	ADJ
fsr-3483	45	6	analyses	analysis	NOUN
fsr-3483	45	7	of	of	ADP
fsr-3483	45	8	survey	survey	NOUN
fsr-3483	45	9	of	of	ADP
fsr-3483	45	10	consumer	consumer	NOUN
fsr-3483	45	11	finance	finance	NOUN
fsr-3483	45	12	(	(	PUNCT
fsr-3483	45	13	scf	scf	PROPN
fsr-3483	45	14	)	)	PUNCT
fsr-3483	45	15	datasets	dataset	NOUN
fsr-3483	45	16	.	.	PUNCT
fsr-3483	46	1	c.	c.	PROPN
fsr-3483	46	2	ouyang	ouyang	PROPN
fsr-3483	46	3	and	and	CCONJ
fsr-3483	46	4	s.	s.	PROPN
fsr-3483	46	5	d.	d.	PROPN
fsr-3483	46	6	hanna	hanna	PROPN
fsr-3483	46	7	/	/	SYM
fsr-3483	46	8	financial	financial	ADJ
fsr-3483	46	9	services	service	NOUN
fsr-3483	46	10	review	review	VERB
fsr-3483	46	11	30	30	NUM
fsr-3483	46	12	(	(	PUNCT
fsr-3483	46	13	2022	2022	NUM
fsr-3483	46	14	)	)	PUNCT
fsr-3483	47	1	165–177	165–177	NUM
fsr-3483	47	2	167	167	NUM
fsr-3483	47	3	over	over	ADP
fsr-3483	47	4	their	their	PRON
fsr-3483	47	5	life	life	NOUN
fsr-3483	47	6	cycle	cycle	NOUN
fsr-3483	47	7	(	(	PUNCT
fsr-3483	47	8	garman	garman	NOUN
fsr-3483	47	9	&	&	CCONJ
fsr-3483	47	10	forgue	forgue	PROPN
fsr-3483	47	11	,	,	PUNCT
fsr-3483	47	12	2015	2015	NUM
fsr-3483	47	13	;	;	PUNCT
fsr-3483	47	14	lytton	lytton	PROPN
fsr-3483	47	15	,	,	PUNCT
fsr-3483	47	16	garman	garman	PROPN
fsr-3483	47	17	,	,	PUNCT
fsr-3483	47	18	&	&	CCONJ
fsr-3483	47	19	porter	porter	NOUN
fsr-3483	47	20	,	,	PUNCT
fsr-3483	47	21	1991	1991	NUM
fsr-3483	47	22	)	)	PUNCT
fsr-3483	47	23	.	.	PUNCT
fsr-3483	48	1	analysis	analysis	NOUN
fsr-3483	48	2	of	of	ADP
fsr-3483	48	3	financial	financial	ADJ
fsr-3483	48	4	obligations	obligation	NOUN
fsr-3483	48	5	or	or	CCONJ
fsr-3483	48	6	income	income	NOUN
fsr-3483	48	7	ratios	ratio	NOUN
fsr-3483	48	8	can	can	AUX
fsr-3483	48	9	be	be	AUX
fsr-3483	48	10	useful	useful	ADJ
fsr-3483	48	11	in	in	ADP
fsr-3483	48	12	understanding	understand	VERB
fsr-3483	48	13	households	household	NOUN
fsr-3483	48	14	’	'	PUNCT
fsr-3483	48	15	financial	financial	ADJ
fsr-3483	48	16	health	health	NOUN
fsr-3483	48	17	and	and	CCONJ
fsr-3483	48	18	can	can	AUX
fsr-3483	48	19	also	also	ADV
fsr-3483	48	20	be	be	AUX
fsr-3483	48	21	used	use	VERB
fsr-3483	48	22	as	as	ADP
fsr-3483	48	23	a	a	DET
fsr-3483	48	24	guideline	guideline	NOUN
fsr-3483	48	25	to	to	PART
fsr-3483	48	26	assist	assist	VERB
fsr-3483	48	27	households	household	NOUN
fsr-3483	48	28	with	with	ADP
fsr-3483	48	29	appropriate	appropriate	ADJ
fsr-3483	48	30	financial	financial	ADJ
fsr-3483	48	31	management	management	NOUN
fsr-3483	48	32	plans	plan	NOUN
fsr-3483	48	33	(	(	PUNCT
fsr-3483	48	34	bae	bae	NOUN
fsr-3483	48	35	,	,	PUNCT
fsr-3483	48	36	hanna	hanna	PROPN
fsr-3483	48	37	,	,	PUNCT
fsr-3483	48	38	&	&	CCONJ
fsr-3483	48	39	lindamood	lindamood	NOUN
fsr-3483	48	40	,	,	PUNCT
fsr-3483	48	41	1993	1993	NUM
fsr-3483	48	42	)	)	PUNCT
fsr-3483	48	43	.	.	PUNCT
fsr-3483	49	1	2.5	2.5	NUM
fsr-3483	49	2	.	.	PUNCT
fsr-3483	50	1	racial	racial	ADJ
fsr-3483	50	2	/	/	SYM
fsr-3483	50	3	ethnic	ethnic	ADJ
fsr-3483	50	4	discrimination	discrimination	NOUN
fsr-3483	50	5	racial	racial	ADJ
fsr-3483	50	6	/	/	SYM
fsr-3483	50	7	ethnic	ethnic	ADJ
fsr-3483	50	8	discrimination	discrimination	NOUN
fsr-3483	50	9	has	have	AUX
fsr-3483	50	10	been	be	AUX
fsr-3483	50	11	extensively	extensively	ADV
fsr-3483	50	12	studied	study	VERB
fsr-3483	50	13	,	,	PUNCT
fsr-3483	50	14	mostly	mostly	ADV
fsr-3483	50	15	for	for	ADP
fsr-3483	50	16	lending	lending	NOUN
fsr-3483	50	17	and	and	CCONJ
fsr-3483	50	18	employment	employment	NOUN
fsr-3483	50	19	.	.	PUNCT
fsr-3483	51	1	there	there	PRON
fsr-3483	51	2	is	be	VERB
fsr-3483	51	3	a	a	DET
fsr-3483	51	4	history	history	NOUN
fsr-3483	51	5	of	of	ADP
fsr-3483	51	6	discrimination	discrimination	NOUN
fsr-3483	51	7	against	against	ADP
fsr-3483	51	8	blacks	black	NOUN
fsr-3483	51	9	,	,	PUNCT
fsr-3483	51	10	hispanics	hispanic	NOUN
fsr-3483	51	11	,	,	PUNCT
fsr-3483	51	12	and	and	CCONJ
fsr-3483	51	13	asians	asians	PROPN
fsr-3483	51	14	in	in	ADP
fsr-3483	51	15	the	the	DET
fsr-3483	51	16	united	united	PROPN
fsr-3483	51	17	states	states	PROPN
fsr-3483	51	18	(	(	PUNCT
fsr-3483	51	19	e.g.	e.g.	ADV
fsr-3483	51	20	,	,	PUNCT
fsr-3483	51	21	see	see	VERB
fsr-3483	51	22	discussion	discussion	NOUN
fsr-3483	51	23	in	in	ADP
fsr-3483	51	24	kim	kim	PROPN
fsr-3483	51	25	,	,	PUNCT
fsr-3483	51	26	hanna	hanna	PROPN
fsr-3483	51	27	,	,	PUNCT
fsr-3483	51	28	&	&	CCONJ
fsr-3483	51	29	lee	lee	PROPN
fsr-3483	51	30	,	,	PUNCT
fsr-3483	51	31	2022	2022	NUM
fsr-3483	51	32	;	;	PUNCT
fsr-3483	51	33	park	park	NOUN
fsr-3483	51	34	,	,	PUNCT
fsr-3483	51	35	2022	2022	NUM
fsr-3483	51	36	)	)	PUNCT
fsr-3483	51	37	.	.	PUNCT
fsr-3483	52	1	phelps	phelps	PROPN
fsr-3483	52	2	(	(	PUNCT
fsr-3483	52	3	1972	1972	NUM
fsr-3483	52	4	)	)	PUNCT
fsr-3483	52	5	proposed	propose	VERB
fsr-3483	52	6	that	that	SCONJ
fsr-3483	52	7	when	when	SCONJ
fsr-3483	52	8	there	there	PRON
fsr-3483	52	9	is	be	VERB
fsr-3483	52	10	imperfect	imperfect	ADJ
fsr-3483	52	11	information	information	NOUN
fsr-3483	52	12	between	between	ADP
fsr-3483	52	13	lenders	lender	NOUN
fsr-3483	52	14	and	and	CCONJ
fsr-3483	52	15	borrowers	borrower	NOUN
fsr-3483	52	16	,	,	PUNCT
fsr-3483	52	17	the	the	DET
fsr-3483	52	18	lenders	lender	NOUN
fsr-3483	52	19	would	would	AUX
fsr-3483	52	20	tend	tend	VERB
fsr-3483	52	21	to	to	PART
fsr-3483	52	22	use	use	VERB
fsr-3483	52	23	some	some	DET
fsr-3483	52	24	observable	observable	ADJ
fsr-3483	52	25	signal	signal	NOUN
fsr-3483	52	26	(	(	PUNCT
fsr-3483	52	27	e.g.	e.g.	ADV
fsr-3483	52	28	,	,	PUNCT
fsr-3483	52	29	age	age	NOUN
fsr-3483	52	30	,	,	PUNCT
fsr-3483	52	31	gender	gender	NOUN
fsr-3483	52	32	,	,	PUNCT
fsr-3483	52	33	and	and	CCONJ
fsr-3483	52	34	race	race	NOUN
fsr-3483	52	35	/	/	SYM
fsr-3483	52	36	ethnic	ethnic	ADJ
fsr-3483	52	37	group	group	NOUN
fsr-3483	52	38	)	)	PUNCT
fsr-3483	52	39	to	to	PART
fsr-3483	52	40	distinguish	distinguish	VERB
fsr-3483	52	41	between	between	ADP
fsr-3483	52	42	high	high	ADJ
fsr-3483	52	43	risk	risk	NOUN
fsr-3483	52	44	and	and	CCONJ
fsr-3483	52	45	low	low	ADJ
fsr-3483	52	46	risk	risk	NOUN
fsr-3483	52	47	customers	customer	NOUN
fsr-3483	52	48	.	.	PUNCT
fsr-3483	53	1	lenders	lender	NOUN
fsr-3483	53	2	may	may	AUX
fsr-3483	53	3	charge	charge	VERB
fsr-3483	53	4	higher	high	ADJ
fsr-3483	53	5	interest	interest	NOUN
fsr-3483	53	6	rates	rate	NOUN
fsr-3483	53	7	and/or	and/or	CCONJ
fsr-3483	53	8	extend	extend	VERB
fsr-3483	53	9	less	less	ADJ
fsr-3483	53	10	credit	credit	NOUN
fsr-3483	53	11	to	to	ADP
fsr-3483	53	12	minority	minority	NOUN
fsr-3483	53	13	borrowers	borrower	NOUN
fsr-3483	53	14	,	,	PUNCT
fsr-3483	53	15	due	due	ADP
fsr-3483	53	16	to	to	ADP
fsr-3483	53	17	the	the	DET
fsr-3483	53	18	higher	high	ADJ
fsr-3483	53	19	average	average	ADJ
fsr-3483	53	20	default	default	NOUN
fsr-3483	53	21	risk	risk	NOUN
fsr-3483	53	22	(	(	PUNCT
fsr-3483	53	23	park	park	NOUN
fsr-3483	53	24	,	,	PUNCT
fsr-3483	53	25	2022	2022	NUM
fsr-3483	53	26	)	)	PUNCT
fsr-3483	53	27	.	.	PUNCT
fsr-3483	54	1	this	this	DET
fsr-3483	54	2	practice	practice	NOUN
fsr-3483	54	3	is	be	AUX
fsr-3483	54	4	known	know	VERB
fsr-3483	54	5	as	as	ADP
fsr-3483	54	6	statistical	statistical	ADJ
fsr-3483	54	7	discrimination	discrimination	NOUN
fsr-3483	54	8	,	,	PUNCT
fsr-3483	54	9	and	and	CCONJ
fsr-3483	54	10	is	be	AUX
fsr-3483	54	11	illegal	illegal	ADJ
fsr-3483	54	12	,	,	PUNCT
fsr-3483	54	13	though	though	SCONJ
fsr-3483	54	14	might	might	AUX
fsr-3483	54	15	take	take	VERB
fsr-3483	54	16	place	place	NOUN
fsr-3483	54	17	.	.	PUNCT
fsr-3483	55	1	research	research	NOUN
fsr-3483	55	2	on	on	ADP
fsr-3483	55	3	whether	whether	SCONJ
fsr-3483	55	4	lenders	lender	NOUN
fsr-3483	55	5	currently	currently	ADV
fsr-3483	55	6	discriminate	discriminate	VERB
fsr-3483	55	7	has	have	AUX
fsr-3483	55	8	produced	produce	VERB
fsr-3483	55	9	mixed	mixed	ADJ
fsr-3483	55	10	results	result	NOUN
fsr-3483	55	11	.	.	PUNCT
fsr-3483	56	1	munnell	munnell	INTJ
fsr-3483	56	2	et	et	PROPN
fsr-3483	56	3	al	al	PROPN
fsr-3483	56	4	.	.	PROPN
fsr-3483	56	5	(	(	PUNCT
fsr-3483	56	6	1996	1996	NUM
fsr-3483	56	7	)	)	PUNCT
fsr-3483	56	8	concluded	conclude	VERB
fsr-3483	56	9	there	there	PRON
fsr-3483	56	10	was	be	VERB
fsr-3483	56	11	discrimination	discrimination	NOUN
fsr-3483	56	12	against	against	ADP
fsr-3483	56	13	blacks	black	NOUN
fsr-3483	56	14	in	in	ADP
fsr-3483	56	15	mortgage	mortgage	NOUN
fsr-3483	56	16	lending	lending	NOUN
fsr-3483	56	17	,	,	PUNCT
fsr-3483	56	18	but	but	CCONJ
fsr-3483	56	19	others	other	NOUN
fsr-3483	56	20	(	(	PUNCT
fsr-3483	56	21	e.g.	e.g.	ADV
fsr-3483	56	22	,	,	PUNCT
fsr-3483	56	23	baek	baek	NOUN
fsr-3483	56	24	&	&	CCONJ
fsr-3483	56	25	cho	cho	PROPN
fsr-3483	56	26	,	,	PUNCT
fsr-3483	56	27	2021	2021	NUM
fsr-3483	56	28	)	)	PUNCT
fsr-3483	56	29	have	have	AUX
fsr-3483	56	30	not	not	PART
fsr-3483	56	31	found	find	VERB
fsr-3483	56	32	differences	difference	NOUN
fsr-3483	56	33	in	in	ADP
fsr-3483	56	34	loan	loan	NOUN
fsr-3483	56	35	denials	denial	NOUN
fsr-3483	56	36	if	if	SCONJ
fsr-3483	56	37	credit	credit	NOUN
fsr-3483	56	38	history	history	NOUN
fsr-3483	56	39	and	and	CCONJ
fsr-3483	56	40	other	other	ADJ
fsr-3483	56	41	factors	factor	NOUN
fsr-3483	56	42	are	be	AUX
fsr-3483	56	43	controlled	control	VERB
fsr-3483	56	44	.	.	PUNCT
fsr-3483	57	1	given	give	VERB
fsr-3483	57	2	the	the	DET
fsr-3483	57	3	competitive	competitive	ADJ
fsr-3483	57	4	nature	nature	NOUN
fsr-3483	57	5	of	of	ADP
fsr-3483	57	6	lending	lending	NOUN
fsr-3483	57	7	and	and	CCONJ
fsr-3483	57	8	national	national	ADJ
fsr-3483	57	9	markets	market	NOUN
fsr-3483	57	10	,	,	PUNCT
fsr-3483	57	11	as	as	ADV
fsr-3483	57	12	well	well	ADV
fsr-3483	57	13	as	as	ADP
fsr-3483	57	14	the	the	DET
fsr-3483	57	15	substantial	substantial	ADJ
fsr-3483	57	16	amount	amount	NOUN
fsr-3483	57	17	of	of	ADP
fsr-3483	57	18	information	information	NOUN
fsr-3483	57	19	available	available	ADJ
fsr-3483	57	20	to	to	ADP
fsr-3483	57	21	lenders	lender	NOUN
fsr-3483	57	22	,	,	PUNCT
fsr-3483	57	23	it	it	PRON
fsr-3483	57	24	is	be	AUX
fsr-3483	57	25	possible	possible	ADJ
fsr-3483	57	26	that	that	SCONJ
fsr-3483	57	27	lending	lending	NOUN
fsr-3483	57	28	is	be	AUX
fsr-3483	57	29	not	not	PART
fsr-3483	57	30	discriminatory	discriminatory	ADJ
fsr-3483	57	31	,	,	PUNCT
fsr-3483	57	32	though	though	SCONJ
fsr-3483	57	33	this	this	PRON
fsr-3483	57	34	is	be	AUX
fsr-3483	57	35	still	still	ADV
fsr-3483	57	36	a	a	DET
fsr-3483	57	37	matter	matter	NOUN
fsr-3483	57	38	of	of	ADP
fsr-3483	57	39	political	political	ADJ
fsr-3483	57	40	controversy	controversy	NOUN
fsr-3483	57	41	.	.	PUNCT
fsr-3483	58	1	rental	rental	ADJ
fsr-3483	58	2	markets	market	NOUN
fsr-3483	58	3	are	be	AUX
fsr-3483	58	4	basically	basically	ADV
fsr-3483	58	5	local	local	ADJ
fsr-3483	58	6	in	in	ADP
fsr-3483	58	7	the	the	DET
fsr-3483	58	8	united	united	PROPN
fsr-3483	58	9	states	states	PROPN
fsr-3483	58	10	,	,	PUNCT
fsr-3483	58	11	and	and	CCONJ
fsr-3483	58	12	information	information	NOUN
fsr-3483	58	13	is	be	AUX
fsr-3483	58	14	more	more	ADV
fsr-3483	58	15	limited	limited	ADJ
fsr-3483	58	16	,	,	PUNCT
fsr-3483	58	17	so	so	SCONJ
fsr-3483	58	18	individual	individual	ADJ
fsr-3483	58	19	landlords	landlord	NOUN
fsr-3483	58	20	might	might	AUX
fsr-3483	58	21	engage	engage	VERB
fsr-3483	58	22	in	in	ADP
fsr-3483	58	23	taste	taste	NOUN
fsr-3483	58	24	or	or	CCONJ
fsr-3483	58	25	statistical	statistical	ADJ
fsr-3483	58	26	discrimination	discrimination	NOUN
fsr-3483	58	27	.	.	PUNCT
fsr-3483	59	1	rental	rental	ADJ
fsr-3483	59	2	discrimination	discrimination	NOUN
fsr-3483	59	3	may	may	AUX
fsr-3483	59	4	happen	happen	VERB
fsr-3483	59	5	in	in	ADP
fsr-3483	59	6	various	various	ADJ
fsr-3483	59	7	forms	form	NOUN
fsr-3483	59	8	,	,	PUNCT
fsr-3483	59	9	such	such	ADJ
fsr-3483	59	10	as	as	ADP
fsr-3483	59	11	taste	taste	NOUN
fsr-3483	59	12	or	or	CCONJ
fsr-3483	59	13	statistical	statistical	ADJ
fsr-3483	59	14	discrimination	discrimination	NOUN
fsr-3483	59	15	.	.	PUNCT
fsr-3483	60	1	it	it	PRON
fsr-3483	60	2	may	may	AUX
fsr-3483	60	3	be	be	AUX
fsr-3483	60	4	related	relate	VERB
fsr-3483	60	5	to	to	ADP
fsr-3483	60	6	the	the	DET
fsr-3483	60	7	housing	housing	NOUN
fsr-3483	60	8	supply	supply	NOUN
fsr-3483	60	9	in	in	ADP
fsr-3483	60	10	the	the	DET
fsr-3483	60	11	market	market	NOUN
fsr-3483	60	12	,	,	PUNCT
fsr-3483	60	13	and	and	CCONJ
fsr-3483	60	14	taste	taste	VERB
fsr-3483	60	15	discrimination	discrimination	NOUN
fsr-3483	60	16	is	be	AUX
fsr-3483	60	17	unlikely	unlikely	ADJ
fsr-3483	60	18	to	to	PART
fsr-3483	60	19	persist	persist	VERB
fsr-3483	60	20	in	in	ADP
fsr-3483	60	21	competitive	competitive	ADJ
fsr-3483	60	22	markets	market	NOUN
fsr-3483	60	23	(	(	PUNCT
fsr-3483	60	24	martin	martin	PROPN
fsr-3483	60	25	&	&	CCONJ
fsr-3483	60	26	hill	hill	PROPN
fsr-3483	60	27	,	,	PUNCT
fsr-3483	60	28	2000	2000	NUM
fsr-3483	60	29	)	)	PUNCT
fsr-3483	60	30	.	.	PUNCT
fsr-3483	61	1	the	the	DET
fsr-3483	61	2	fair	fair	ADJ
fsr-3483	61	3	housing	housing	NOUN
fsr-3483	61	4	amendments	amendment	NOUN
fsr-3483	61	5	act	act	NOUN
fsr-3483	61	6	of	of	ADP
fsr-3483	61	7	1988	1988	NUM
fsr-3483	61	8	(	(	PUNCT
fsr-3483	61	9	fha	fha	PROPN
fsr-3483	61	10	)	)	PUNCT
fsr-3483	61	11	prohibits	prohibit	VERB
fsr-3483	61	12	housing	housing	NOUN
fsr-3483	61	13	discrimination	discrimination	NOUN
fsr-3483	61	14	based	base	VERB
fsr-3483	61	15	on	on	ADP
fsr-3483	61	16	“	"	PUNCT
fsr-3483	61	17	race	race	NOUN
fsr-3483	61	18	,	,	PUNCT
fsr-3483	61	19	color	color	NOUN
fsr-3483	61	20	,	,	PUNCT
fsr-3483	61	21	sex	sex	NOUN
fsr-3483	61	22	,	,	PUNCT
fsr-3483	61	23	religion	religion	NOUN
fsr-3483	61	24	,	,	PUNCT
fsr-3483	61	25	disability	disability	NOUN
fsr-3483	61	26	,	,	PUNCT
fsr-3483	61	27	family	family	NOUN
fsr-3483	61	28	status	status	NOUN
fsr-3483	61	29	,	,	PUNCT
fsr-3483	61	30	and	and	CCONJ
fsr-3483	61	31	national	national	ADJ
fsr-3483	61	32	origin	origin	NOUN
fsr-3483	61	33	”	"	PUNCT
fsr-3483	61	34	(	(	PUNCT
fsr-3483	61	35	fair	fair	ADJ
fsr-3483	61	36	housing	housing	NOUN
fsr-3483	61	37	act	act	NOUN
fsr-3483	61	38	of	of	ADP
fsr-3483	61	39	1988	1988	NUM
fsr-3483	61	40	,	,	PUNCT
fsr-3483	61	41	sec	sec	PROPN
fsr-3483	61	42	.	.	PROPN
fsr-3483	61	43	800	800	NUM
fsr-3483	61	44	,	,	PUNCT
fsr-3483	61	45	1988	1988	NUM
fsr-3483	61	46	)	)	PUNCT
fsr-3483	61	47	.	.	PUNCT
fsr-3483	62	1	yet	yet	ADV
fsr-3483	62	2	,	,	PUNCT
fsr-3483	62	3	there	there	PRON
fsr-3483	62	4	continues	continue	VERB
fsr-3483	62	5	to	to	PART
fsr-3483	62	6	be	be	AUX
fsr-3483	62	7	evidence	evidence	NOUN
fsr-3483	62	8	of	of	ADP
fsr-3483	62	9	housing	housing	NOUN
fsr-3483	62	10	discrimination	discrimination	NOUN
fsr-3483	62	11	in	in	ADP
fsr-3483	62	12	the	the	DET
fsr-3483	62	13	united	united	PROPN
fsr-3483	62	14	states	states	PROPN
fsr-3483	62	15	and	and	CCONJ
fsr-3483	62	16	legal	legal	ADJ
fsr-3483	62	17	actions	action	NOUN
fsr-3483	62	18	remain	remain	VERB
fsr-3483	62	19	rare	rare	ADJ
fsr-3483	62	20	(	(	PUNCT
fsr-3483	62	21	carpusor	carpusor	NOUN
fsr-3483	62	22	&	&	CCONJ
fsr-3483	62	23	loges	loge	NOUN
fsr-3483	62	24	,	,	PUNCT
fsr-3483	62	25	2006	2006	NUM
fsr-3483	62	26	;	;	PUNCT
fsr-3483	62	27	flage	flage	NOUN
fsr-3483	62	28	,	,	PUNCT
fsr-3483	62	29	2018	2018	NUM
fsr-3483	62	30	;	;	PUNCT
fsr-3483	62	31	hanson	hanson	PROPN
fsr-3483	62	32	&	&	CCONJ
fsr-3483	62	33	hawley	hawley	PROPN
fsr-3483	62	34	,	,	PUNCT
fsr-3483	62	35	2011	2011	NUM
fsr-3483	62	36	)	)	PUNCT
fsr-3483	62	37	.	.	PUNCT
fsr-3483	63	1	many	many	ADJ
fsr-3483	63	2	scholars	scholar	NOUN
fsr-3483	63	3	have	have	AUX
fsr-3483	63	4	addressed	address	VERB
fsr-3483	63	5	discrimination	discrimination	NOUN
fsr-3483	63	6	in	in	ADP
fsr-3483	63	7	specific	specific	ADJ
fsr-3483	63	8	rental	rental	ADJ
fsr-3483	63	9	housing	housing	NOUN
fsr-3483	63	10	markets	market	NOUN
fsr-3483	63	11	(	(	PUNCT
fsr-3483	63	12	carpusor	carpusor	NOUN
fsr-3483	63	13	&	&	CCONJ
fsr-3483	63	14	loges	loge	NOUN
fsr-3483	63	15	,	,	PUNCT
fsr-3483	63	16	2006	2006	NUM
fsr-3483	63	17	;	;	PUNCT
fsr-3483	63	18	hanson	hanson	PROPN
fsr-3483	63	19	&	&	CCONJ
fsr-3483	63	20	hawley	hawley	PROPN
fsr-3483	63	21	,	,	PUNCT
fsr-3483	63	22	2011	2011	NUM
fsr-3483	63	23	)	)	PUNCT
fsr-3483	63	24	.	.	PUNCT
fsr-3483	64	1	carpusor	carpusor	NOUN
fsr-3483	64	2	and	and	CCONJ
fsr-3483	64	3	loges	loge	NOUN
fsr-3483	64	4	(	(	PUNCT
fsr-3483	64	5	2006	2006	NUM
fsr-3483	64	6	)	)	PUNCT
fsr-3483	64	7	conducted	conduct	VERB
fsr-3483	64	8	a	a	DET
fsr-3483	64	9	field	field	NOUN
fsr-3483	64	10	experiment	experiment	NOUN
fsr-3483	64	11	in	in	ADP
fsr-3483	64	12	los	los	PROPN
fsr-3483	64	13	angeles	angeles	PROPN
fsr-3483	64	14	area	area	NOUN
fsr-3483	64	15	and	and	CCONJ
fsr-3483	64	16	found	find	VERB
fsr-3483	64	17	that	that	SCONJ
fsr-3483	64	18	rental	rental	ADJ
fsr-3483	64	19	applicants	applicant	NOUN
fsr-3483	64	20	with	with	ADP
fsr-3483	64	21	either	either	CCONJ
fsr-3483	64	22	african	african	ADJ
fsr-3483	64	23	american	american	ADJ
fsr-3483	64	24	or	or	CCONJ
fsr-3483	64	25	muslim	muslim	ADJ
fsr-3483	64	26	sounding	sound	VERB
fsr-3483	64	27	names	name	NOUN
fsr-3483	64	28	received	receive	VERB
fsr-3483	64	29	significantly	significantly	ADV
fsr-3483	64	30	fewer	few	ADJ
fsr-3483	64	31	positive	positive	ADJ
fsr-3483	64	32	responses	response	NOUN
fsr-3483	64	33	than	than	ADP
fsr-3483	64	34	applicants	applicant	NOUN
fsr-3483	64	35	with	with	ADP
fsr-3483	64	36	white	white	ADJ
fsr-3483	64	37	-	-	PUNCT
fsr-3483	64	38	sounding	sound	VERB
fsr-3483	64	39	name	name	NOUN
fsr-3483	64	40	.	.	PUNCT
fsr-3483	65	1	ewens	ewen	NOUN
fsr-3483	65	2	,	,	PUNCT
fsr-3483	65	3	tomlin	tomlin	PROPN
fsr-3483	65	4	,	,	PUNCT
fsr-3483	65	5	and	and	CCONJ
fsr-3483	65	6	wang	wang	PROPN
fsr-3483	65	7	(	(	PUNCT
fsr-3483	65	8	2014	2014	NUM
fsr-3483	65	9	)	)	PUNCT
fsr-3483	65	10	studied	study	VERB
fsr-3483	65	11	a	a	DET
fsr-3483	65	12	broader	broad	ADJ
fsr-3483	65	13	range	range	NOUN
fsr-3483	65	14	of	of	ADP
fsr-3483	65	15	cities	city	NOUN
fsr-3483	65	16	than	than	ADP
fsr-3483	65	17	carpusor	carpusor	NOUN
fsr-3483	65	18	and	and	CCONJ
fsr-3483	65	19	loges	loge	NOUN
fsr-3483	65	20	(	(	PUNCT
fsr-3483	65	21	2006	2006	NUM
fsr-3483	65	22	)	)	PUNCT
fsr-3483	65	23	and	and	CCONJ
fsr-3483	65	24	provided	provide	VERB
fsr-3483	65	25	additional	additional	ADJ
fsr-3483	65	26	the	the	DET
fsr-3483	65	27	information	information	NOUN
fsr-3483	65	28	to	to	ADP
fsr-3483	65	29	landlords	landlord	NOUN
fsr-3483	65	30	,	,	PUNCT
fsr-3483	65	31	including	include	VERB
fsr-3483	65	32	occupation	occupation	NOUN
fsr-3483	65	33	information	information	NOUN
fsr-3483	65	34	and	and	CCONJ
fsr-3483	65	35	smoking	smoking	NOUN
fsr-3483	65	36	preference	preference	NOUN
fsr-3483	65	37	,	,	PUNCT
fsr-3483	65	38	and	and	CCONJ
fsr-3483	65	39	so	so	ADV
fsr-3483	65	40	forth	forth	ADV
fsr-3483	65	41	.	.	PUNCT
fsr-3483	66	1	they	they	PRON
fsr-3483	66	2	found	find	VERB
fsr-3483	66	3	that	that	SCONJ
fsr-3483	66	4	african	african	ADJ
fsr-3483	66	5	american	american	ADJ
fsr-3483	66	6	home	home	NOUN
fsr-3483	66	7	-	-	PUNCT
fsr-3483	66	8	seekers	seeker	NOUN
fsr-3483	66	9	received	receive	VERB
fsr-3483	66	10	nine	nine	NUM
fsr-3483	66	11	responses	response	NOUN
fsr-3483	66	12	for	for	ADP
fsr-3483	66	13	every	every	DET
fsr-3483	66	14	10	10	NUM
fsr-3483	66	15	a	a	DET
fsr-3483	66	16	white	white	ADJ
fsr-3483	66	17	home	home	NOUN
fsr-3483	66	18	-	-	PUNCT
fsr-3483	66	19	seeker	seeker	NOUN
fsr-3483	66	20	receives	receive	VERB
fsr-3483	66	21	,	,	PUNCT
fsr-3483	66	22	and	and	CCONJ
fsr-3483	66	23	that	that	SCONJ
fsr-3483	66	24	including	include	VERB
fsr-3483	66	25	positive	positive	ADJ
fsr-3483	66	26	information	information	NOUN
fsr-3483	66	27	does	do	AUX
fsr-3483	66	28	not	not	PART
fsr-3483	66	29	affect	affect	VERB
fsr-3483	66	30	the	the	DET
fsr-3483	66	31	response	response	NOUN
fsr-3483	66	32	rate	rate	NOUN
fsr-3483	66	33	difference	difference	NOUN
fsr-3483	66	34	between	between	ADP
fsr-3483	66	35	races	race	NOUN
fsr-3483	66	36	.	.	PUNCT
fsr-3483	67	1	hanson	hanson	PROPN
fsr-3483	67	2	and	and	CCONJ
fsr-3483	67	3	hawley	hawley	PROPN
fsr-3483	67	4	(	(	PUNCT
fsr-3483	67	5	2011	2011	NUM
fsr-3483	67	6	)	)	PUNCT
fsr-3483	67	7	tested	test	VERB
fsr-3483	67	8	racial	racial	ADJ
fsr-3483	67	9	discrimination	discrimination	NOUN
fsr-3483	67	10	in	in	ADP
fsr-3483	67	11	the	the	DET
fsr-3483	67	12	rental	rental	ADJ
fsr-3483	67	13	housing	housing	NOUN
fsr-3483	67	14	market	market	NOUN
fsr-3483	67	15	among	among	ADP
fsr-3483	67	16	10	10	NUM
fsr-3483	67	17	big	big	ADJ
fsr-3483	67	18	cities	city	NOUN
fsr-3483	67	19	.	.	PUNCT
fsr-3483	68	1	they	they	PRON
fsr-3483	68	2	used	use	VERB
fsr-3483	68	3	matched	match	VERB
fsr-3483	68	4	-	-	PUNCT
fsr-3483	68	5	pair	pair	NOUN
fsr-3483	68	6	audits	audits	NOUN
fsr-3483	68	7	conducted	conduct	VERB
fsr-3483	68	8	via	via	ADP
fsr-3483	68	9	e	e	NOUN
fsr-3483	68	10	-	-	NOUN
fsr-3483	68	11	mail	mail	NOUN
fsr-3483	68	12	for	for	ADP
fsr-3483	68	13	rental	rental	ADJ
fsr-3483	68	14	units	unit	NOUN
fsr-3483	68	15	advertised	advertise	VERB
fsr-3483	68	16	on	on	ADP
fsr-3483	68	17	-	-	PUNCT
fsr-3483	68	18	line	line	NOUN
fsr-3483	68	19	.	.	PUNCT
fsr-3483	69	1	they	they	PRON
fsr-3483	69	2	classified	classify	VERB
fsr-3483	69	3	their	their	PRON
fsr-3483	69	4	sample	sample	NOUN
fsr-3483	69	5	by	by	ADP
fsr-3483	69	6	both	both	PRON
fsr-3483	69	7	white	white	ADJ
fsr-3483	69	8	names	name	NOUN
fsr-3483	69	9	and	and	CCONJ
fsr-3483	69	10	african	african	ADJ
fsr-3483	69	11	names	name	NOUN
fsr-3483	69	12	,	,	PUNCT
fsr-3483	69	13	and	and	CCONJ
fsr-3483	69	14	social	social	ADJ
fsr-3483	69	15	class	class	NOUN
fsr-3483	69	16	.	.	PUNCT
fsr-3483	70	1	the	the	DET
fsr-3483	70	2	authors	author	NOUN
fsr-3483	70	3	concluded	conclude	VERB
fsr-3483	70	4	that	that	SCONJ
fsr-3483	70	5	discrimination	discrimination	NOUN
fsr-3483	70	6	occurred	occur	VERB
fsr-3483	70	7	against	against	ADP
fsr-3483	70	8	african	african	ADJ
fsr-3483	70	9	american	american	ADJ
fsr-3483	70	10	names	name	NOUN
fsr-3483	70	11	,	,	PUNCT
fsr-3483	70	12	however	however	ADV
fsr-3483	70	13	,	,	PUNCT
fsr-3483	70	14	when	when	SCONJ
fsr-3483	70	15	the	the	DET
fsr-3483	70	16	content	content	NOUN
fsr-3483	70	17	of	of	ADP
fsr-3483	70	18	the	the	DET
fsr-3483	70	19	email	email	NOUN
fsr-3483	70	20	messages	message	NOUN
fsr-3483	70	21	implied	imply	VERB
fsr-3483	70	22	the	the	DET
fsr-3483	70	23	home	home	NOUN
fsr-3483	70	24	-	-	PUNCT
fsr-3483	70	25	seekers	seeker	NOUN
fsr-3483	70	26	168	168	NUM
fsr-3483	70	27	c.	c.	PROPN
fsr-3483	70	28	ouyang	ouyang	PROPN
fsr-3483	70	29	and	and	CCONJ
fsr-3483	70	30	s.	s.	PROPN
fsr-3483	70	31	d.	d.	PROPN
fsr-3483	70	32	hanna	hanna	PROPN
fsr-3483	70	33	/	/	SYM
fsr-3483	70	34	financial	financial	ADJ
fsr-3483	70	35	services	service	NOUN
fsr-3483	70	36	review	review	VERB
fsr-3483	70	37	30	30	NUM
fsr-3483	70	38	(	(	PUNCT
fsr-3483	70	39	2022	2022	NUM
fsr-3483	70	40	)	)	PUNCT
fsr-3483	70	41	165–177	165–177	NUM
fsr-3483	70	42	had	have	VERB
fsr-3483	70	43	high	high	ADJ
fsr-3483	70	44	social	social	ADJ
fsr-3483	70	45	class	class	NOUN
fsr-3483	70	46	,	,	PUNCT
fsr-3483	70	47	discrimination	discrimination	NOUN
fsr-3483	70	48	effects	effect	NOUN
fsr-3483	70	49	were	be	AUX
fsr-3483	70	50	not	not	PART
fsr-3483	70	51	found	find	VERB
fsr-3483	70	52	.	.	PUNCT
fsr-3483	71	1	racial	racial	ADJ
fsr-3483	71	2	discrimination	discrimination	NOUN
fsr-3483	71	3	was	be	AUX
fsr-3483	71	4	more	more	ADV
fsr-3483	71	5	severe	severe	ADJ
fsr-3483	71	6	in	in	ADP
fsr-3483	71	7	neighborhoods	neighborhood	NOUN
fsr-3483	71	8	that	that	PRON
fsr-3483	71	9	were	be	AUX
fsr-3483	71	10	near	near	ADP
fsr-3483	71	11	“	"	PUNCT
fsr-3483	71	12	tipping	tipping	ADJ
fsr-3483	71	13	points	point	NOUN
fsr-3483	71	14	”	"	PUNCT
fsr-3483	71	15	in	in	ADP
fsr-3483	71	16	racial	racial	ADJ
fsr-3483	71	17	composition	composition	NOUN
fsr-3483	71	18	,	,	PUNCT
fsr-3483	71	19	and	and	CCONJ
fsr-3483	71	20	for	for	ADP
fsr-3483	71	21	units	unit	NOUN
fsr-3483	71	22	that	that	PRON
fsr-3483	71	23	were	be	AUX
fsr-3483	71	24	part	part	NOUN
fsr-3483	71	25	of	of	ADP
fsr-3483	71	26	a	a	DET
fsr-3483	71	27	larger	large	ADJ
fsr-3483	71	28	building	building	NOUN
fsr-3483	71	29	.	.	PUNCT
fsr-3483	72	1	if	if	SCONJ
fsr-3483	72	2	landlords	landlord	NOUN
fsr-3483	72	3	discriminate	discriminate	VERB
fsr-3483	72	4	in	in	ADP
fsr-3483	72	5	rental	rental	ADJ
fsr-3483	72	6	markets	market	NOUN
fsr-3483	72	7	,	,	PUNCT
fsr-3483	72	8	it	it	PRON
fsr-3483	72	9	is	be	AUX
fsr-3483	72	10	possible	possible	ADJ
fsr-3483	72	11	that	that	SCONJ
fsr-3483	72	12	they	they	PRON
fsr-3483	72	13	will	will	AUX
fsr-3483	72	14	deny	deny	VERB
fsr-3483	72	15	applications	application	NOUN
fsr-3483	72	16	,	,	PUNCT
fsr-3483	72	17	extend	extend	VERB
fsr-3483	72	18	security	security	NOUN
fsr-3483	72	19	deposit	deposit	NOUN
fsr-3483	72	20	,	,	PUNCT
fsr-3483	72	21	or	or	CCONJ
fsr-3483	72	22	charge	charge	VERB
fsr-3483	72	23	higher	high	ADJ
fsr-3483	72	24	rental	rental	ADJ
fsr-3483	72	25	rates	rate	NOUN
fsr-3483	72	26	.	.	PUNCT
fsr-3483	73	1	the	the	DET
fsr-3483	73	2	impact	impact	NOUN
fsr-3483	73	3	of	of	ADP
fsr-3483	73	4	discrimination	discrimination	NOUN
fsr-3483	73	5	in	in	ADP
fsr-3483	73	6	rental	rental	ADJ
fsr-3483	73	7	markets	market	NOUN
fsr-3483	73	8	could	could	AUX
fsr-3483	73	9	increase	increase	VERB
fsr-3483	73	10	the	the	DET
fsr-3483	73	11	financial	financial	ADJ
fsr-3483	73	12	obligations	obligation	NOUN
fsr-3483	73	13	ratio	ratio	NOUN
fsr-3483	73	14	of	of	ADP
fsr-3483	73	15	rental	rental	ADJ
fsr-3483	73	16	households	household	NOUN
fsr-3483	73	17	.	.	PUNCT
fsr-3483	74	1	2.6	2.6	NUM
fsr-3483	74	2	.	.	PUNCT
fsr-3483	75	1	purpose	purpose	NOUN
fsr-3483	75	2	of	of	ADP
fsr-3483	75	3	this	this	DET
fsr-3483	75	4	research	research	NOUN
fsr-3483	75	5	many	many	ADJ
fsr-3483	75	6	issues	issue	NOUN
fsr-3483	75	7	are	be	AUX
fsr-3483	75	8	still	still	ADV
fsr-3483	75	9	unanswered	unanswere	VERB
fsr-3483	75	10	related	relate	VERB
fsr-3483	75	11	to	to	ADP
fsr-3483	75	12	household	household	NOUN
fsr-3483	75	13	financial	financial	ADJ
fsr-3483	75	14	burdens	burden	NOUN
fsr-3483	75	15	.	.	PUNCT
fsr-3483	76	1	dynan	dynan	NOUN
fsr-3483	76	2	et	et	PROPN
fsr-3483	76	3	al	al	PROPN
fsr-3483	76	4	.	.	PROPN
fsr-3483	77	1	(	(	PUNCT
fsr-3483	77	2	2003	2003	NUM
fsr-3483	77	3	)	)	PUNCT
fsr-3483	77	4	and	and	CCONJ
fsr-3483	77	5	johnson	johnson	PROPN
fsr-3483	77	6	(	(	PUNCT
fsr-3483	77	7	2005	2005	NUM
fsr-3483	77	8	)	)	PUNCT
fsr-3483	77	9	proposed	propose	VERB
fsr-3483	77	10	a	a	DET
fsr-3483	77	11	definition	definition	NOUN
fsr-3483	77	12	of	of	ADP
fsr-3483	77	13	household	household	NOUN
fsr-3483	77	14	financial	financial	ADJ
fsr-3483	77	15	obligations	obligation	NOUN
fsr-3483	77	16	payments	payment	NOUN
fsr-3483	77	17	,	,	PUNCT
fsr-3483	77	18	including	include	VERB
fsr-3483	77	19	rent	rent	NOUN
fsr-3483	77	20	,	,	PUNCT
fsr-3483	77	21	auto	auto	NOUN
fsr-3483	77	22	leases	lease	NOUN
fsr-3483	77	23	,	,	PUNCT
fsr-3483	77	24	homeowners	homeowner	NOUN
fsr-3483	77	25	’	'	PUNCT
fsr-3483	77	26	insurance	insurance	NOUN
fsr-3483	77	27	and	and	CCONJ
fsr-3483	77	28	property	property	NOUN
fsr-3483	77	29	taxes	taxis	NOUN
fsr-3483	77	30	in	in	ADP
fsr-3483	77	31	addition	addition	NOUN
fsr-3483	77	32	to	to	ADP
fsr-3483	77	33	household	household	NOUN
fsr-3483	77	34	debt	debt	NOUN
fsr-3483	77	35	payments	payment	NOUN
fsr-3483	77	36	but	but	CCONJ
fsr-3483	77	37	their	their	PRON
fsr-3483	77	38	estimates	estimate	NOUN
fsr-3483	77	39	were	be	AUX
fsr-3483	77	40	based	base	VERB
fsr-3483	77	41	on	on	ADP
fsr-3483	77	42	aggregate	aggregate	ADJ
fsr-3483	77	43	household	household	NOUN
fsr-3483	77	44	data	datum	NOUN
fsr-3483	77	45	.	.	PUNCT
fsr-3483	78	1	hanna	hanna	PROPN
fsr-3483	78	2	,	,	PUNCT
fsr-3483	78	3	yuh	yuh	PROPN
fsr-3483	78	4	,	,	PUNCT
fsr-3483	78	5	and	and	CCONJ
fsr-3483	78	6	chatterjee	chatterjee	PROPN
fsr-3483	78	7	(	(	PUNCT
fsr-3483	78	8	2012b	2012b	NUM
fsr-3483	78	9	)	)	PUNCT
fsr-3483	78	10	analyzed	analyze	VERB
fsr-3483	78	11	renter	renter	NOUN
fsr-3483	78	12	and	and	CCONJ
fsr-3483	78	13	homeowner	homeowner	NOUN
fsr-3483	78	14	households	household	NOUN
fsr-3483	78	15	separately	separately	ADV
fsr-3483	78	16	and	and	CCONJ
fsr-3483	78	17	found	find	VERB
fsr-3483	78	18	that	that	SCONJ
fsr-3483	78	19	the	the	DET
fsr-3483	78	20	proportion	proportion	NOUN
fsr-3483	78	21	of	of	ADP
fsr-3483	78	22	renter	renter	NOUN
fsr-3483	78	23	households	household	NOUN
fsr-3483	78	24	with	with	ADP
fsr-3483	78	25	financial	financial	ADJ
fsr-3483	78	26	obligations	obligation	NOUN
fsr-3483	78	27	over	over	ADP
fsr-3483	78	28	40	40	NUM
fsr-3483	78	29	%	%	NOUN
fsr-3483	78	30	of	of	ADP
fsr-3483	78	31	income	income	NOUN
fsr-3483	78	32	was	be	AUX
fsr-3483	78	33	much	much	ADV
fsr-3483	78	34	higher	high	ADJ
fsr-3483	78	35	than	than	ADP
fsr-3483	78	36	the	the	DET
fsr-3483	78	37	proportion	proportion	NOUN
fsr-3483	78	38	for	for	ADP
fsr-3483	78	39	homeowner	homeowner	NOUN
fsr-3483	78	40	households	household	NOUN
fsr-3483	78	41	.	.	PUNCT
fsr-3483	79	1	hanna	hanna	PROPN
fsr-3483	79	2	et	et	PROPN
fsr-3483	79	3	al	al	PROPN
fsr-3483	79	4	.	.	PROPN
fsr-3483	79	5	(	(	PUNCT
fsr-3483	79	6	2012a	2012a	NUM
fsr-3483	79	7	,	,	PUNCT
fsr-3483	79	8	2012b	2012b	NUM
fsr-3483	79	9	)	)	PUNCT
fsr-3483	79	10	did	do	AUX
fsr-3483	79	11	not	not	PART
fsr-3483	79	12	include	include	VERB
fsr-3483	79	13	was	be	AUX
fsr-3483	79	14	payments	payment	NOUN
fsr-3483	79	15	for	for	ADP
fsr-3483	79	16	alimony	alimony	NOUN
fsr-3483	79	17	and	and	CCONJ
fsr-3483	79	18	for	for	ADP
fsr-3483	79	19	child	child	NOUN
fsr-3483	79	20	support	support	NOUN
fsr-3483	79	21	.	.	PUNCT
fsr-3483	80	1	there	there	PRON
fsr-3483	80	2	are	be	VERB
fsr-3483	80	3	legal	legal	ADJ
fsr-3483	80	4	consequences	consequence	NOUN
fsr-3483	80	5	for	for	ADP
fsr-3483	80	6	failure	failure	NOUN
fsr-3483	80	7	to	to	PART
fsr-3483	80	8	keep	keep	VERB
fsr-3483	80	9	up	up	ADP
fsr-3483	80	10	with	with	ADP
fsr-3483	80	11	these	these	DET
fsr-3483	80	12	payments	payment	NOUN
fsr-3483	80	13	,	,	PUNCT
fsr-3483	80	14	so	so	ADV
fsr-3483	80	15	we	we	PRON
fsr-3483	80	16	added	add	VERB
fsr-3483	80	17	them	they	PRON
fsr-3483	80	18	to	to	ADP
fsr-3483	80	19	our	our	PRON
fsr-3483	80	20	definition	definition	NOUN
fsr-3483	80	21	of	of	ADP
fsr-3483	80	22	financial	financial	ADJ
fsr-3483	80	23	obligations	obligation	NOUN
fsr-3483	80	24	.	.	PUNCT
fsr-3483	81	1	the	the	DET
fsr-3483	81	2	divorce	divorce	NOUN
fsr-3483	81	3	rate	rate	NOUN
fsr-3483	81	4	in	in	ADP
fsr-3483	81	5	the	the	DET
fsr-3483	81	6	united	united	PROPN
fsr-3483	81	7	states	states	PROPN
fsr-3483	81	8	has	have	AUX
fsr-3483	81	9	been	be	AUX
fsr-3483	81	10	rising	rise	VERB
fsr-3483	81	11	during	during	ADP
fsr-3483	81	12	the	the	DET
fsr-3483	81	13	past	past	ADJ
fsr-3483	81	14	two	two	NUM
fsr-3483	81	15	decades	decade	NOUN
fsr-3483	81	16	(	(	PUNCT
fsr-3483	81	17	greenwood	greenwood	PROPN
fsr-3483	81	18	2012	2012	NUM
fsr-3483	81	19	;	;	PUNCT
fsr-3483	81	20	stevenson	stevenson	PROPN
fsr-3483	81	21	&	&	CCONJ
fsr-3483	81	22	wolfers	wolfer	NOUN
fsr-3483	81	23	2007	2007	NUM
fsr-3483	81	24	)	)	PUNCT
fsr-3483	81	25	,	,	PUNCT
fsr-3483	81	26	and	and	CCONJ
fsr-3483	81	27	kennedy	kennedy	PROPN
fsr-3483	81	28	and	and	CCONJ
fsr-3483	81	29	ruggles	ruggles	PROPN
fsr-3483	81	30	(	(	PUNCT
fsr-3483	81	31	2014	2014	NUM
fsr-3483	81	32	)	)	PUNCT
fsr-3483	81	33	estimated	estimate	VERB
fsr-3483	81	34	that	that	SCONJ
fsr-3483	81	35	almost	almost	ADV
fsr-3483	81	36	50	50	NUM
fsr-3483	81	37	%	%	NOUN
fsr-3483	81	38	of	of	ADP
fsr-3483	81	39	ever	ever	ADV
fsr-3483	81	40	-	-	PUNCT
fsr-3483	81	41	married	marry	VERB
fsr-3483	81	42	people	people	NOUN
fsr-3483	81	43	had	have	AUX
fsr-3483	81	44	been	be	AUX
fsr-3483	81	45	divorced	divorce	VERB
fsr-3483	81	46	or	or	CCONJ
fsr-3483	81	47	separated	separate	VERB
fsr-3483	81	48	in	in	ADP
fsr-3483	81	49	their	their	PRON
fsr-3483	81	50	late	late	ADJ
fsr-3483	81	51	50s	50	NOUN
fsr-3483	81	52	.	.	PUNCT
fsr-3483	82	1	while	while	SCONJ
fsr-3483	82	2	for	for	ADP
fsr-3483	82	3	some	some	DET
fsr-3483	82	4	households	household	NOUN
fsr-3483	82	5	,	,	PUNCT
fsr-3483	82	6	alimony	alimony	NOUN
fsr-3483	82	7	and	and	CCONJ
fsr-3483	82	8	child	child	NOUN
fsr-3483	82	9	support	support	NOUN
fsr-3483	82	10	payments	payment	NOUN
fsr-3483	82	11	are	be	AUX
fsr-3483	82	12	important	important	ADJ
fsr-3483	82	13	,	,	PUNCT
fsr-3483	82	14	we	we	PRON
fsr-3483	82	15	found	find	VERB
fsr-3483	82	16	that	that	SCONJ
fsr-3483	82	17	only	only	ADV
fsr-3483	82	18	6	6	NUM
fsr-3483	82	19	%	%	NOUN
fsr-3483	82	20	of	of	ADP
fsr-3483	82	21	renter	renter	NOUN
fsr-3483	82	22	households	household	NOUN
fsr-3483	82	23	report	report	VERB
fsr-3483	82	24	such	such	ADJ
fsr-3483	82	25	payments	payment	NOUN
fsr-3483	82	26	,	,	PUNCT
fsr-3483	82	27	so	so	CCONJ
fsr-3483	82	28	our	our	PRON
fsr-3483	82	29	results	result	NOUN
fsr-3483	82	30	overall	overall	ADV
fsr-3483	82	31	were	be	AUX
fsr-3483	82	32	not	not	PART
fsr-3483	82	33	substantially	substantially	ADV
fsr-3483	82	34	different	different	ADJ
fsr-3483	82	35	from	from	ADP
fsr-3483	82	36	the	the	DET
fsr-3483	82	37	hanna	hanna	PROPN
fsr-3483	82	38	et	et	PROPN
fsr-3483	82	39	al	al	PROPN
fsr-3483	82	40	.	.	PROPN
fsr-3483	83	1	(	(	PUNCT
fsr-3483	83	2	2012a	2012a	NUM
fsr-3483	83	3	,	,	PUNCT
fsr-3483	83	4	2012b	2012b	NUM
fsr-3483	83	5	)	)	PUNCT
fsr-3483	83	6	results	result	NOUN
fsr-3483	83	7	.	.	PUNCT
fsr-3483	84	1	hanna	hanna	PROPN
fsr-3483	84	2	et	et	PROPN
fsr-3483	84	3	al	al	PROPN
fsr-3483	84	4	.	.	PROPN
fsr-3483	84	5	(	(	PUNCT
fsr-3483	84	6	2012b	2012b	NUM
fsr-3483	84	7	)	)	PUNCT
fsr-3483	84	8	found	find	VERB
fsr-3483	84	9	that	that	SCONJ
fsr-3483	84	10	the	the	DET
fsr-3483	84	11	effects	effect	NOUN
fsr-3483	84	12	of	of	ADP
fsr-3483	84	13	household	household	NOUN
fsr-3483	84	14	characteristics	characteristic	NOUN
fsr-3483	84	15	on	on	ADP
fsr-3483	84	16	having	have	VERB
fsr-3483	84	17	a	a	DET
fsr-3483	84	18	heavy	heavy	ADJ
fsr-3483	84	19	burden	burden	NOUN
fsr-3483	84	20	differed	differ	VERB
fsr-3483	84	21	between	between	ADP
fsr-3483	84	22	renter	renter	NOUN
fsr-3483	84	23	and	and	CCONJ
fsr-3483	84	24	homeowner	homeowner	NOUN
fsr-3483	84	25	households	household	NOUN
fsr-3483	84	26	.	.	PUNCT
fsr-3483	85	1	additionally	additionally	ADV
fsr-3483	85	2	,	,	PUNCT
fsr-3483	85	3	hanna	hanna	PROPN
fsr-3483	85	4	et	et	PROPN
fsr-3483	85	5	al	al	PROPN
fsr-3483	85	6	.	.	PROPN
fsr-3483	85	7	(	(	PUNCT
fsr-3483	85	8	2012a	2012a	NUM
fsr-3483	85	9	,	,	PUNCT
fsr-3483	85	10	2012b	2012b	NUM
fsr-3483	85	11	)	)	PUNCT
fsr-3483	85	12	included	include	VERB
fsr-3483	85	13	household	household	NOUN
fsr-3483	85	14	characteristics	characteristic	NOUN
fsr-3483	85	15	plausibly	plausibly	ADV
fsr-3483	85	16	related	relate	VERB
fsr-3483	85	17	to	to	ADP
fsr-3483	85	18	the	the	DET
fsr-3483	85	19	extended	extend	VERB
fsr-3483	85	20	lifecycle	lifecycle	NOUN
fsr-3483	85	21	model	model	NOUN
fsr-3483	85	22	but	but	CCONJ
fsr-3483	85	23	did	do	AUX
fsr-3483	85	24	not	not	PART
fsr-3483	85	25	include	include	VERB
fsr-3483	85	26	some	some	DET
fsr-3483	85	27	other	other	ADJ
fsr-3483	85	28	variables	variable	NOUN
fsr-3483	85	29	plausibly	plausibly	ADV
fsr-3483	85	30	related	relate	VERB
fsr-3483	85	31	to	to	ADP
fsr-3483	85	32	bounded	bound	VERB
fsr-3483	85	33	rationality	rationality	NOUN
fsr-3483	85	34	.	.	PUNCT
fsr-3483	86	1	the	the	DET
fsr-3483	86	2	2016	2016	NUM
fsr-3483	86	3	survey	survey	NOUN
fsr-3483	86	4	of	of	ADP
fsr-3483	86	5	consumer	consumer	NOUN
fsr-3483	86	6	finance	finance	NOUN
fsr-3483	86	7	(	(	PUNCT
fsr-3483	86	8	scf	scf	PROPN
fsr-3483	86	9	)	)	PUNCT
fsr-3483	86	10	is	be	AUX
fsr-3483	86	11	the	the	DET
fsr-3483	86	12	first	first	ADJ
fsr-3483	86	13	scf	scf	PROPN
fsr-3483	86	14	dataset	dataset	NOUN
fsr-3483	86	15	to	to	PART
fsr-3483	86	16	include	include	VERB
fsr-3483	86	17	financial	financial	ADJ
fsr-3483	86	18	literacy	literacy	NOUN
fsr-3483	86	19	measures	measure	NOUN
fsr-3483	86	20	,	,	PUNCT
fsr-3483	86	21	so	so	ADV
fsr-3483	86	22	we	we	PRON
fsr-3483	86	23	added	add	VERB
fsr-3483	86	24	a	a	DET
fsr-3483	86	25	financial	financial	ADJ
fsr-3483	86	26	literacy	literacy	NOUN
fsr-3483	86	27	score	score	NOUN
fsr-3483	86	28	to	to	ADP
fsr-3483	86	29	the	the	DET
fsr-3483	86	30	household	household	NOUN
fsr-3483	86	31	characteristics	characteristic	NOUN
fsr-3483	86	32	analyzed	analyze	VERB
fsr-3483	86	33	by	by	ADP
fsr-3483	86	34	hanna	hanna	PROPN
fsr-3483	86	35	et	et	PROPN
fsr-3483	86	36	al	al	PROPN
fsr-3483	86	37	.	.	PROPN
fsr-3483	86	38	(	(	PUNCT
fsr-3483	86	39	2012a	2012a	NUM
fsr-3483	86	40	,	,	PUNCT
fsr-3483	86	41	2012b	2012b	NUM
fsr-3483	86	42	)	)	PUNCT
fsr-3483	86	43	.	.	PUNCT
fsr-3483	87	1	the	the	DET
fsr-3483	87	2	primary	primary	ADJ
fsr-3483	87	3	research	research	NOUN
fsr-3483	87	4	question	question	NOUN
fsr-3483	87	5	for	for	ADP
fsr-3483	87	6	this	this	DET
fsr-3483	87	7	study	study	NOUN
fsr-3483	87	8	is	be	AUX
fsr-3483	87	9	:	:	PUNCT
fsr-3483	87	10	for	for	ADP
fsr-3483	87	11	renter	renter	NOUN
fsr-3483	87	12	households	household	NOUN
fsr-3483	87	13	,	,	PUNCT
fsr-3483	87	14	what	what	PRON
fsr-3483	87	15	is	be	AUX
fsr-3483	87	16	the	the	DET
fsr-3483	87	17	effect	effect	NOUN
fsr-3483	87	18	of	of	ADP
fsr-3483	87	19	racial	racial	ADJ
fsr-3483	87	20	/	/	SYM
fsr-3483	87	21	ethnic	ethnic	ADJ
fsr-3483	87	22	status	status	NOUN
fsr-3483	87	23	on	on	ADP
fsr-3483	87	24	the	the	DET
fsr-3483	87	25	financial	financial	ADJ
fsr-3483	87	26	obligations	obligation	NOUN
fsr-3483	87	27	over	over	ADP
fsr-3483	87	28	income	income	NOUN
fsr-3483	87	29	ratio	ratio	NOUN
fsr-3483	87	30	,	,	PUNCT
fsr-3483	87	31	controlling	control	VERB
fsr-3483	87	32	for	for	ADP
fsr-3483	87	33	other	other	ADJ
fsr-3483	87	34	household	household	NOUN
fsr-3483	87	35	characteristics	characteristic	NOUN
fsr-3483	87	36	?	?	PUNCT
fsr-3483	88	1	3	3	X
fsr-3483	88	2	.	.	X
fsr-3483	88	3	theoretical	theoretical	ADJ
fsr-3483	88	4	background	background	NOUN
fsr-3483	88	5	3.1	3.1	NUM
fsr-3483	88	6	.	.	PUNCT
fsr-3483	88	7	extended	extend	VERB
fsr-3483	88	8	life	life	NOUN
fsr-3483	88	9	cycle	cycle	NOUN
fsr-3483	88	10	savings	saving	NOUN
fsr-3483	88	11	model	model	NOUN
fsr-3483	88	12	3.1.1	3.1.1	NUM
fsr-3483	88	13	.	.	PUNCT
fsr-3483	89	1	consumption	consumption	NOUN
fsr-3483	89	2	smoothing	smooth	VERB
fsr-3483	89	3	with	with	ADP
fsr-3483	89	4	certainty	certainty	NOUN
fsr-3483	89	5	the	the	DET
fsr-3483	89	6	life	life	NOUN
fsr-3483	89	7	cycle	cycle	NOUN
fsr-3483	89	8	savings	saving	NOUN
fsr-3483	89	9	model	model	NOUN
fsr-3483	89	10	is	be	AUX
fsr-3483	89	11	the	the	DET
fsr-3483	89	12	classic	classic	ADJ
fsr-3483	89	13	normative	normative	ADJ
fsr-3483	89	14	model	model	NOUN
fsr-3483	89	15	to	to	PART
fsr-3483	89	16	analyze	analyze	VERB
fsr-3483	89	17	households	household	NOUN
fsr-3483	89	18	’	'	PUNCT
fsr-3483	89	19	consumption	consumption	NOUN
fsr-3483	89	20	and	and	CCONJ
fsr-3483	89	21	saving	saving	NOUN
fsr-3483	89	22	behaviors	behavior	NOUN
fsr-3483	89	23	(	(	PUNCT
fsr-3483	89	24	deaton	deaton	PROPN
fsr-3483	89	25	2005	2005	NUM
fsr-3483	89	26	;	;	PUNCT
fsr-3483	89	27	modigliani	modigliani	PROPN
fsr-3483	89	28	&	&	CCONJ
fsr-3483	89	29	brumberg	brumberg	PROPN
fsr-3483	89	30	1954	1954	NUM
fsr-3483	89	31	)	)	PUNCT
fsr-3483	89	32	.	.	PUNCT
fsr-3483	90	1	this	this	DET
fsr-3483	90	2	framework	framework	NOUN
fsr-3483	90	3	c.	c.	PROPN
fsr-3483	90	4	ouyang	ouyang	PROPN
fsr-3483	90	5	and	and	CCONJ
fsr-3483	90	6	s.	s.	PROPN
fsr-3483	90	7	d.	d.	PROPN
fsr-3483	90	8	hanna	hanna	PROPN
fsr-3483	90	9	/	/	SYM
fsr-3483	90	10	financial	financial	ADJ
fsr-3483	90	11	services	service	NOUN
fsr-3483	90	12	review	review	VERB
fsr-3483	90	13	30	30	NUM
fsr-3483	90	14	(	(	PUNCT
fsr-3483	90	15	2022	2022	NUM
fsr-3483	90	16	)	)	PUNCT
fsr-3483	91	1	165–177	165–177	NUM
fsr-3483	91	2	169	169	NUM
fsr-3483	91	3	assumes	assume	VERB
fsr-3483	91	4	that	that	SCONJ
fsr-3483	91	5	individuals	individual	NOUN
fsr-3483	91	6	plan	plan	VERB
fsr-3483	91	7	an	an	DET
fsr-3483	91	8	optimal	optimal	ADJ
fsr-3483	91	9	consumption	consumption	NOUN
fsr-3483	91	10	path	path	NOUN
fsr-3483	91	11	to	to	PART
fsr-3483	91	12	maximize	maximize	VERB
fsr-3483	91	13	overall	overall	ADJ
fsr-3483	91	14	expected	expect	VERB
fsr-3483	91	15	lifetime	lifetime	NOUN
fsr-3483	91	16	utility	utility	NOUN
fsr-3483	91	17	.	.	PUNCT
fsr-3483	92	1	the	the	DET
fsr-3483	92	2	central	central	ADJ
fsr-3483	92	3	tenet	tenet	NOUN
fsr-3483	92	4	of	of	ADP
fsr-3483	92	5	the	the	DET
fsr-3483	92	6	normative	normative	ADJ
fsr-3483	92	7	life	life	NOUN
fsr-3483	92	8	cycle	cycle	NOUN
fsr-3483	92	9	model	model	NOUN
fsr-3483	92	10	is	be	AUX
fsr-3483	92	11	that	that	SCONJ
fsr-3483	92	12	a	a	DET
fsr-3483	92	13	consumer	consumer	NOUN
fsr-3483	92	14	will	will	AUX
fsr-3483	92	15	attempt	attempt	VERB
fsr-3483	92	16	to	to	PART
fsr-3483	92	17	have	have	VERB
fsr-3483	92	18	constant	constant	ADJ
fsr-3483	92	19	marginal	marginal	ADJ
fsr-3483	92	20	utility	utility	NOUN
fsr-3483	92	21	of	of	ADP
fsr-3483	92	22	consumptions	consumption	NOUN
fsr-3483	92	23	over	over	ADP
fsr-3483	92	24	time	time	NOUN
fsr-3483	92	25	(	(	PUNCT
fsr-3483	92	26	yuh	yuh	PROPN
fsr-3483	92	27	&	&	CCONJ
fsr-3483	92	28	hanna	hanna	PROPN
fsr-3483	92	29	,	,	PUNCT
fsr-3483	92	30	2010	2010	NUM
fsr-3483	92	31	)	)	PUNCT
fsr-3483	92	32	.	.	PUNCT
fsr-3483	93	1	with	with	ADP
fsr-3483	93	2	typical	typical	ADJ
fsr-3483	93	3	income	income	NOUN
fsr-3483	93	4	patterns	pattern	NOUN
fsr-3483	93	5	over	over	ADP
fsr-3483	93	6	the	the	DET
fsr-3483	93	7	life	life	NOUN
fsr-3483	93	8	cycle	cycle	NOUN
fsr-3483	93	9	,	,	PUNCT
fsr-3483	93	10	households	household	NOUN
fsr-3483	93	11	should	should	AUX
fsr-3483	93	12	borrow	borrow	VERB
fsr-3483	93	13	more	more	ADJ
fsr-3483	93	14	in	in	ADP
fsr-3483	93	15	the	the	DET
fsr-3483	93	16	early	early	ADJ
fsr-3483	93	17	life	life	NOUN
fsr-3483	93	18	stages	stage	NOUN
fsr-3483	93	19	and	and	CCONJ
fsr-3483	93	20	consume	consume	VERB
fsr-3483	93	21	more	more	ADJ
fsr-3483	93	22	than	than	ADP
fsr-3483	93	23	their	their	PRON
fsr-3483	93	24	income	income	NOUN
fsr-3483	93	25	,	,	PUNCT
fsr-3483	93	26	spend	spend	VERB
fsr-3483	93	27	less	less	ADJ
fsr-3483	93	28	than	than	ADP
fsr-3483	93	29	income	income	NOUN
fsr-3483	93	30	when	when	SCONJ
fsr-3483	93	31	household	household	NOUN
fsr-3483	93	32	income	income	NOUN
fsr-3483	93	33	is	be	AUX
fsr-3483	93	34	high	high	ADJ
fsr-3483	93	35	,	,	PUNCT
fsr-3483	93	36	and	and	CCONJ
fsr-3483	93	37	dissave	dissave	NOUN
fsr-3483	93	38	from	from	ADP
fsr-3483	93	39	accumulated	accumulate	VERB
fsr-3483	93	40	assets	asset	NOUN
fsr-3483	93	41	during	during	ADP
fsr-3483	93	42	the	the	DET
fsr-3483	93	43	retirement	retirement	NOUN
fsr-3483	93	44	stage	stage	NOUN
fsr-3483	93	45	(	(	PUNCT
fsr-3483	93	46	browning	brown	VERB
fsr-3483	93	47	&	&	CCONJ
fsr-3483	93	48	crossley	crossley	NOUN
fsr-3483	93	49	2001	2001	NUM
fsr-3483	93	50	;	;	PUNCT
fsr-3483	93	51	browning	browning	NOUN
fsr-3483	93	52	&	&	CCONJ
fsr-3483	93	53	lusardi	lusardi	PROPN
fsr-3483	93	54	1996	1996	NUM
fsr-3483	93	55	)	)	PUNCT
fsr-3483	93	56	.	.	PUNCT
fsr-3483	94	1	household	household	NOUN
fsr-3483	94	2	borrowing	borrowing	NOUN
fsr-3483	94	3	decisions	decision	NOUN
fsr-3483	94	4	will	will	AUX
fsr-3483	94	5	depend	depend	VERB
fsr-3483	94	6	on	on	ADP
fsr-3483	94	7	the	the	DET
fsr-3483	94	8	level	level	NOUN
fsr-3483	94	9	of	of	ADP
fsr-3483	94	10	current	current	ADJ
fsr-3483	94	11	income	income	NOUN
fsr-3483	94	12	,	,	PUNCT
fsr-3483	94	13	but	but	CCONJ
fsr-3483	94	14	also	also	ADV
fsr-3483	94	15	on	on	ADP
fsr-3483	94	16	expected	expect	VERB
fsr-3483	94	17	future	future	ADJ
fsr-3483	94	18	income	income	NOUN
fsr-3483	94	19	levels	level	NOUN
fsr-3483	94	20	(	(	PUNCT
fsr-3483	94	21	yuh	yuh	PROPN
fsr-3483	94	22	&	&	CCONJ
fsr-3483	94	23	hanna	hanna	PROPN
fsr-3483	94	24	,	,	PUNCT
fsr-3483	94	25	2010	2010	NUM
fsr-3483	94	26	)	)	PUNCT
fsr-3483	94	27	.	.	PUNCT
fsr-3483	95	1	if	if	SCONJ
fsr-3483	95	2	an	an	DET
fsr-3483	95	3	individual	individual	NOUN
fsr-3483	95	4	expects	expect	VERB
fsr-3483	95	5	to	to	PART
fsr-3483	95	6	have	have	VERB
fsr-3483	95	7	increased	increase	VERB
fsr-3483	95	8	income	income	NOUN
fsr-3483	95	9	,	,	PUNCT
fsr-3483	95	10	borrowing	borrowing	NOUN
fsr-3483	95	11	should	should	AUX
fsr-3483	95	12	be	be	AUX
fsr-3483	95	13	positive	positive	ADJ
fsr-3483	95	14	when	when	SCONJ
fsr-3483	95	15	he	he	PRON
fsr-3483	95	16	/	/	SYM
fsr-3483	95	17	she	she	PRON
fsr-3483	95	18	is	be	AUX
fsr-3483	95	19	young	young	ADJ
fsr-3483	95	20	,	,	PUNCT
fsr-3483	95	21	and	and	CCONJ
fsr-3483	95	22	the	the	DET
fsr-3483	95	23	proportion	proportion	NOUN
fsr-3483	95	24	of	of	ADP
fsr-3483	95	25	borrowing	borrowing	NOUN
fsr-3483	95	26	should	should	AUX
fsr-3483	95	27	decrease	decrease	VERB
fsr-3483	95	28	as	as	SCONJ
fsr-3483	95	29	the	the	DET
fsr-3483	95	30	household	household	NOUN
fsr-3483	95	31	gets	get	VERB
fsr-3483	95	32	older	old	ADJ
fsr-3483	95	33	.	.	PUNCT
fsr-3483	96	1	it	it	PRON
fsr-3483	96	2	may	may	AUX
fsr-3483	96	3	be	be	AUX
fsr-3483	96	4	rational	rational	ADJ
fsr-3483	96	5	to	to	PART
fsr-3483	96	6	have	have	VERB
fsr-3483	96	7	negative	negative	ADJ
fsr-3483	96	8	net	net	ADJ
fsr-3483	96	9	worth	worth	NOUN
fsr-3483	96	10	at	at	ADP
fsr-3483	96	11	some	some	DET
fsr-3483	96	12	stages	stage	NOUN
fsr-3483	96	13	to	to	PART
fsr-3483	96	14	smooth	smooth	VERB
fsr-3483	96	15	consumption	consumption	NOUN
fsr-3483	96	16	(	(	PUNCT
fsr-3483	96	17	chen	chen	PROPN
fsr-3483	96	18	&	&	CCONJ
fsr-3483	96	19	finke	finke	PROPN
fsr-3483	96	20	,	,	PUNCT
fsr-3483	96	21	1996	1996	NUM
fsr-3483	96	22	)	)	PUNCT
fsr-3483	96	23	.	.	PUNCT
fsr-3483	97	1	consumers	consumer	NOUN
fsr-3483	97	2	who	who	PRON
fsr-3483	97	3	are	be	AUX
fsr-3483	97	4	certain	certain	ADJ
fsr-3483	97	5	of	of	ADP
fsr-3483	97	6	large	large	ADJ
fsr-3483	97	7	increases	increase	NOUN
fsr-3483	97	8	in	in	ADP
fsr-3483	97	9	real	real	ADJ
fsr-3483	97	10	income	income	NOUN
fsr-3483	97	11	will	will	AUX
fsr-3483	97	12	rationally	rationally	ADV
fsr-3483	97	13	borrow	borrow	VERB
fsr-3483	97	14	more	more	ADJ
fsr-3483	97	15	than	than	ADP
fsr-3483	97	16	consumers	consumer	NOUN
fsr-3483	97	17	who	who	PRON
fsr-3483	97	18	expect	expect	VERB
fsr-3483	97	19	constant	constant	ADJ
fsr-3483	97	20	or	or	CCONJ
fsr-3483	97	21	declining	decline	VERB
fsr-3483	97	22	real	real	ADJ
fsr-3483	97	23	income	income	NOUN
fsr-3483	97	24	(	(	PUNCT
fsr-3483	97	25	hanna	hanna	PROPN
fsr-3483	97	26	,	,	PUNCT
fsr-3483	97	27	fan	fan	PROPN
fsr-3483	97	28	,	,	PUNCT
fsr-3483	97	29	&	&	CCONJ
fsr-3483	97	30	chang	chang	PROPN
fsr-3483	97	31	1995	1995	NUM
fsr-3483	97	32	)	)	PUNCT
fsr-3483	97	33	.	.	PUNCT
fsr-3483	98	1	3.1.2	3.1.2	X
fsr-3483	98	2	.	.	PUNCT
fsr-3483	98	3	consumption	consumption	NOUN
fsr-3483	98	4	smoothing	smooth	VERB
fsr-3483	98	5	with	with	ADP
fsr-3483	98	6	uncertain	uncertain	ADJ
fsr-3483	98	7	incomes	income	NOUN
fsr-3483	98	8	the	the	DET
fsr-3483	98	9	original	original	ADJ
fsr-3483	98	10	life	life	NOUN
fsr-3483	98	11	cycle	cycle	NOUN
fsr-3483	98	12	model	model	NOUN
fsr-3483	98	13	had	have	VERB
fsr-3483	98	14	the	the	DET
fsr-3483	98	15	simplistic	simplistic	ADJ
fsr-3483	98	16	assumption	assumption	NOUN
fsr-3483	98	17	of	of	ADP
fsr-3483	98	18	certainty	certainty	NOUN
fsr-3483	98	19	about	about	ADP
fsr-3483	98	20	income	income	NOUN
fsr-3483	98	21	,	,	PUNCT
fsr-3483	98	22	so	so	CCONJ
fsr-3483	98	23	the	the	DET
fsr-3483	98	24	extended	extended	ADJ
fsr-3483	98	25	life	life	NOUN
fsr-3483	98	26	cycle	cycle	NOUN
fsr-3483	98	27	model	model	NOUN
fsr-3483	98	28	was	be	AUX
fsr-3483	98	29	developed	develop	VERB
fsr-3483	98	30	for	for	ADP
fsr-3483	98	31	greater	great	ADJ
fsr-3483	98	32	realism	realism	NOUN
fsr-3483	98	33	,	,	PUNCT
fsr-3483	98	34	and	and	CCONJ
fsr-3483	98	35	uncertainty	uncertainty	NOUN
fsr-3483	98	36	about	about	ADP
fsr-3483	98	37	future	future	ADJ
fsr-3483	98	38	income	income	NOUN
fsr-3483	98	39	patterns	pattern	NOUN
fsr-3483	98	40	affects	affect	VERB
fsr-3483	98	41	households	household	NOUN
fsr-3483	98	42	’	'	PUNCT
fsr-3483	98	43	savings	saving	NOUN
fsr-3483	98	44	or	or	CCONJ
fsr-3483	98	45	net	net	ADJ
fsr-3483	98	46	worth	worth	ADJ
fsr-3483	98	47	accumulation	accumulation	NOUN
fsr-3483	98	48	(	(	PUNCT
fsr-3483	98	49	yuh	yuh	PROPN
fsr-3483	98	50	&	&	CCONJ
fsr-3483	98	51	hanna	hanna	PROPN
fsr-3483	98	52	,	,	PUNCT
fsr-3483	98	53	2010	2010	NUM
fsr-3483	98	54	)	)	PUNCT
fsr-3483	98	55	.	.	PUNCT
fsr-3483	99	1	if	if	SCONJ
fsr-3483	99	2	uncertainty	uncertainty	NOUN
fsr-3483	99	3	of	of	ADP
fsr-3483	99	4	households	household	NOUN
fsr-3483	99	5	’	'	PUNCT
fsr-3483	99	6	future	future	ADJ
fsr-3483	99	7	income	income	NOUN
fsr-3483	99	8	is	be	AUX
fsr-3483	99	9	included	include	VERB
fsr-3483	99	10	in	in	ADP
fsr-3483	99	11	the	the	DET
fsr-3483	99	12	model	model	NOUN
fsr-3483	99	13	,	,	PUNCT
fsr-3483	99	14	the	the	DET
fsr-3483	99	15	extended	extended	ADJ
fsr-3483	99	16	life	life	NOUN
fsr-3483	99	17	cycle	cycle	NOUN
fsr-3483	99	18	certainty	certainty	NOUN
fsr-3483	99	19	equivalence	equivalence	NOUN
fsr-3483	99	20	model	model	NOUN
fsr-3483	99	21	implies	imply	VERB
fsr-3483	99	22	that	that	SCONJ
fsr-3483	99	23	people	people	NOUN
fsr-3483	99	24	should	should	AUX
fsr-3483	99	25	save	save	VERB
fsr-3483	99	26	more	more	ADV
fsr-3483	99	27	or	or	CCONJ
fsr-3483	99	28	borrow	borrow	VERB
fsr-3483	99	29	less	less	ADJ
fsr-3483	99	30	with	with	ADP
fsr-3483	99	31	greater	great	ADJ
fsr-3483	99	32	income	income	NOUN
fsr-3483	99	33	uncertainty	uncertainty	NOUN
fsr-3483	99	34	.	.	PUNCT
fsr-3483	100	1	browning	browning	NOUN
fsr-3483	100	2	and	and	CCONJ
fsr-3483	100	3	lusardi	lusardi	PROPN
fsr-3483	100	4	(	(	PUNCT
fsr-3483	100	5	1996	1996	NUM
fsr-3483	100	6	)	)	PUNCT
fsr-3483	100	7	showed	show	VERB
fsr-3483	100	8	that	that	SCONJ
fsr-3483	100	9	higher	high	ADJ
fsr-3483	100	10	income	income	NOUN
fsr-3483	100	11	uncertainty	uncertainty	NOUN
fsr-3483	100	12	was	be	AUX
fsr-3483	100	13	correlated	correlate	VERB
fsr-3483	100	14	with	with	ADP
fsr-3483	100	15	larger	large	ADJ
fsr-3483	100	16	savings	saving	NOUN
fsr-3483	100	17	out	out	ADP
fsr-3483	100	18	of	of	ADP
fsr-3483	100	19	current	current	ADJ
fsr-3483	100	20	income	income	NOUN
fsr-3483	100	21	,	,	PUNCT
fsr-3483	100	22	and	and	CCONJ
fsr-3483	100	23	therefore	therefore	ADV
fsr-3483	100	24	,	,	PUNCT
fsr-3483	100	25	less	less	ADJ
fsr-3483	100	26	borrowing	borrowing	NOUN
fsr-3483	100	27	.	.	PUNCT
fsr-3483	101	1	hubbard	hubbard	PROPN
fsr-3483	101	2	,	,	PUNCT
fsr-3483	101	3	skinner	skinner	NOUN
fsr-3483	101	4	,	,	PUNCT
fsr-3483	101	5	and	and	CCONJ
fsr-3483	101	6	zeldes	zelde	NOUN
fsr-3483	101	7	(	(	PUNCT
fsr-3483	101	8	1995	1995	NUM
fsr-3483	101	9	)	)	PUNCT
fsr-3483	101	10	suggested	suggest	VERB
fsr-3483	101	11	that	that	SCONJ
fsr-3483	101	12	social	social	ADJ
fsr-3483	101	13	insurance	insurance	NOUN
fsr-3483	101	14	might	might	AUX
fsr-3483	101	15	serve	serve	VERB
fsr-3483	101	16	as	as	ADP
fsr-3483	101	17	a	a	DET
fsr-3483	101	18	cushion	cushion	NOUN
fsr-3483	101	19	,	,	PUNCT
fsr-3483	101	20	reducing	reduce	VERB
fsr-3483	101	21	the	the	DET
fsr-3483	101	22	need	need	NOUN
fsr-3483	101	23	for	for	ADP
fsr-3483	101	24	low	low	ADJ
fsr-3483	101	25	-	-	PUNCT
fsr-3483	101	26	income	income	NOUN
fsr-3483	101	27	households	household	NOUN
fsr-3483	101	28	to	to	PART
fsr-3483	101	29	save	save	VERB
fsr-3483	101	30	out	out	ADP
fsr-3483	101	31	of	of	ADP
fsr-3483	101	32	current	current	ADJ
fsr-3483	101	33	income	income	NOUN
fsr-3483	101	34	.	.	PUNCT
fsr-3483	102	1	the	the	DET
fsr-3483	102	2	main	main	ADJ
fsr-3483	102	3	idea	idea	NOUN
fsr-3483	102	4	of	of	ADP
fsr-3483	102	5	the	the	DET
fsr-3483	102	6	extended	extended	ADJ
fsr-3483	102	7	life	life	NOUN
fsr-3483	102	8	cycle	cycle	NOUN
fsr-3483	102	9	model	model	NOUN
fsr-3483	102	10	is	be	AUX
fsr-3483	102	11	that	that	SCONJ
fsr-3483	102	12	a	a	DET
fsr-3483	102	13	household	household	NOUN
fsr-3483	102	14	should	should	AUX
fsr-3483	102	15	smooth	smooth	VERB
fsr-3483	102	16	consumption	consumption	NOUN
fsr-3483	102	17	levels	level	NOUN
fsr-3483	102	18	over	over	ADP
fsr-3483	102	19	its	its	PRON
fsr-3483	102	20	lifetime	lifetime	NOUN
fsr-3483	102	21	,	,	PUNCT
fsr-3483	102	22	although	although	SCONJ
fsr-3483	102	23	nonzero	nonzero	ADJ
fsr-3483	102	24	interest	interest	NOUN
fsr-3483	102	25	rates	rate	NOUN
fsr-3483	102	26	and	and	CCONJ
fsr-3483	102	27	discounting	discount	VERB
fsr-3483	102	28	of	of	ADP
fsr-3483	102	29	the	the	DET
fsr-3483	102	30	utility	utility	NOUN
fsr-3483	102	31	of	of	ADP
fsr-3483	102	32	future	future	ADJ
fsr-3483	102	33	consumption	consumption	NOUN
fsr-3483	102	34	might	might	AUX
fsr-3483	102	35	complicate	complicate	VERB
fsr-3483	102	36	the	the	DET
fsr-3483	102	37	model	model	NOUN
fsr-3483	102	38	.	.	PUNCT
fsr-3483	103	1	with	with	ADP
fsr-3483	103	2	all	all	DET
fsr-3483	103	3	issues	issue	NOUN
fsr-3483	103	4	considered	consider	VERB
fsr-3483	103	5	,	,	PUNCT
fsr-3483	103	6	the	the	DET
fsr-3483	103	7	optimal	optimal	ADJ
fsr-3483	103	8	consumption	consumption	NOUN
fsr-3483	103	9	path	path	NOUN
fsr-3483	103	10	will	will	AUX
fsr-3483	103	11	not	not	PART
fsr-3483	103	12	be	be	AUX
fsr-3483	103	13	constant	constant	ADJ
fsr-3483	103	14	due	due	ADP
fsr-3483	103	15	to	to	ADP
fsr-3483	103	16	those	those	DET
fsr-3483	103	17	complicating	complicate	VERB
fsr-3483	103	18	factors	factor	NOUN
fsr-3483	103	19	.	.	PUNCT
fsr-3483	104	1	xiao	xiao	PROPN
fsr-3483	104	2	,	,	PUNCT
fsr-3483	104	3	ford	ford	PROPN
fsr-3483	104	4	,	,	PUNCT
fsr-3483	104	5	and	and	CCONJ
fsr-3483	104	6	kim	kim	PROPN
fsr-3483	104	7	(	(	PUNCT
fsr-3483	104	8	2011	2011	NUM
fsr-3483	104	9	)	)	PUNCT
fsr-3483	104	10	discussed	discuss	VERB
fsr-3483	104	11	the	the	DET
fsr-3483	104	12	basic	basic	ADJ
fsr-3483	104	13	life	life	NOUN
fsr-3483	104	14	cycle	cycle	NOUN
fsr-3483	104	15	saving	saving	NOUN
fsr-3483	104	16	model	model	NOUN
fsr-3483	104	17	and	and	CCONJ
fsr-3483	104	18	extensions	extension	NOUN
fsr-3483	104	19	,	,	PUNCT
fsr-3483	104	20	such	such	ADJ
fsr-3483	104	21	as	as	ADP
fsr-3483	104	22	the	the	DET
fsr-3483	104	23	precautionary	precautionary	ADJ
fsr-3483	104	24	borrowings	borrowing	NOUN
fsr-3483	104	25	model	model	NOUN
fsr-3483	104	26	,	,	PUNCT
fsr-3483	104	27	as	as	ADP
fsr-3483	104	28	economic	economic	ADJ
fsr-3483	104	29	theories	theory	NOUN
fsr-3483	104	30	that	that	PRON
fsr-3483	104	31	could	could	AUX
fsr-3483	104	32	be	be	AUX
fsr-3483	104	33	used	use	VERB
fsr-3483	104	34	to	to	PART
fsr-3483	104	35	prescribe	prescribe	VERB
fsr-3483	104	36	and/or	and/or	CCONJ
fsr-3483	104	37	explain	explain	VERB
fsr-3483	104	38	household	household	NOUN
fsr-3483	104	39	behavior	behavior	NOUN
fsr-3483	104	40	.	.	PUNCT
fsr-3483	105	1	in	in	ADP
fsr-3483	105	2	the	the	DET
fsr-3483	105	3	context	context	NOUN
fsr-3483	105	4	of	of	ADP
fsr-3483	105	5	the	the	DET
fsr-3483	105	6	life	life	NOUN
fsr-3483	105	7	cycle	cycle	NOUN
fsr-3483	105	8	saving	saving	NOUN
fsr-3483	105	9	model	model	NOUN
fsr-3483	105	10	,	,	PUNCT
fsr-3483	105	11	saving	saving	NOUN
fsr-3483	105	12	,	,	PUNCT
fsr-3483	105	13	and	and	CCONJ
fsr-3483	105	14	borrowing	borrowing	NOUN
fsr-3483	105	15	behavior	behavior	NOUN
fsr-3483	105	16	are	be	AUX
fsr-3483	105	17	logically	logically	ADV
fsr-3483	105	18	connected	connect	VERB
fsr-3483	105	19	,	,	PUNCT
fsr-3483	105	20	as	as	ADP
fsr-3483	105	21	implicit	implicit	ADJ
fsr-3483	105	22	in	in	ADP
fsr-3483	105	23	the	the	DET
fsr-3483	105	24	life	life	NOUN
fsr-3483	105	25	cycle	cycle	NOUN
fsr-3483	105	26	saving	saving	NOUN
fsr-3483	105	27	model	model	NOUN
fsr-3483	105	28	are	be	AUX
fsr-3483	105	29	periods	period	NOUN
fsr-3483	105	30	of	of	ADP
fsr-3483	105	31	dissaving	dissave	VERB
fsr-3483	105	32	when	when	SCONJ
fsr-3483	105	33	current	current	ADJ
fsr-3483	105	34	income	income	NOUN
fsr-3483	105	35	is	be	AUX
fsr-3483	105	36	low	low	ADJ
fsr-3483	105	37	,	,	PUNCT
fsr-3483	105	38	and	and	CCONJ
fsr-3483	105	39	when	when	SCONJ
fsr-3483	105	40	a	a	DET
fsr-3483	105	41	household	household	NOUN
fsr-3483	105	42	has	have	VERB
fsr-3483	105	43	low	low	ADJ
fsr-3483	105	44	levels	level	NOUN
fsr-3483	105	45	of	of	ADP
fsr-3483	105	46	assets	asset	NOUN
fsr-3483	105	47	,	,	PUNCT
fsr-3483	105	48	dissaving	dissave	VERB
fsr-3483	105	49	must	must	AUX
fsr-3483	105	50	be	be	AUX
fsr-3483	105	51	accomplished	accomplish	VERB
fsr-3483	105	52	by	by	ADP
fsr-3483	105	53	borrowing	borrow	VERB
fsr-3483	105	54	.	.	PUNCT
fsr-3483	106	1	4	4	X
fsr-3483	106	2	.	.	X
fsr-3483	106	3	method	method	PROPN
fsr-3483	106	4	4.1	4.1	NUM
fsr-3483	106	5	.	.	PUNCT
fsr-3483	107	1	data	datum	NOUN
fsr-3483	107	2	the	the	DET
fsr-3483	107	3	dataset	dataset	NOUN
fsr-3483	107	4	for	for	ADP
fsr-3483	107	5	this	this	DET
fsr-3483	107	6	study	study	NOUN
fsr-3483	107	7	was	be	AUX
fsr-3483	107	8	the	the	DET
fsr-3483	107	9	2016	2016	NUM
fsr-3483	107	10	survey	survey	NOUN
fsr-3483	107	11	of	of	ADP
fsr-3483	107	12	consumer	consumer	NOUN
fsr-3483	107	13	finances	finance	NOUN
fsr-3483	107	14	(	(	PUNCT
fsr-3483	107	15	scf	scf	PROPN
fsr-3483	107	16	)	)	PUNCT
fsr-3483	107	17	.	.	PUNCT
fsr-3483	108	1	the	the	DET
fsr-3483	108	2	scf	scf	PROPN
fsr-3483	108	3	is	be	AUX
fsr-3483	108	4	a	a	DET
fsr-3483	108	5	triennial	triennial	ADJ
fsr-3483	108	6	interview	interview	NOUN
fsr-3483	108	7	survey	survey	NOUN
fsr-3483	108	8	of	of	ADP
fsr-3483	108	9	u.s	u.s	PROPN
fsr-3483	108	10	.	.	PROPN
fsr-3483	108	11	families	family	NOUN
fsr-3483	108	12	sponsored	sponsor	VERB
fsr-3483	108	13	by	by	ADP
fsr-3483	108	14	the	the	DET
fsr-3483	108	15	board	board	NOUN
fsr-3483	108	16	of	of	ADP
fsr-3483	108	17	governors	governor	NOUN
fsr-3483	108	18	of	of	ADP
fsr-3483	108	19	the	the	DET
fsr-3483	108	20	170	170	NUM
fsr-3483	108	21	c.	c.	PROPN
fsr-3483	108	22	ouyang	ouyang	PROPN
fsr-3483	108	23	and	and	CCONJ
fsr-3483	108	24	s.	s.	PROPN
fsr-3483	108	25	d.	d.	PROPN
fsr-3483	108	26	hanna	hanna	PROPN
fsr-3483	108	27	/	/	SYM
fsr-3483	108	28	financial	financial	ADJ
fsr-3483	108	29	services	service	NOUN
fsr-3483	108	30	review	review	VERB
fsr-3483	108	31	30	30	NUM
fsr-3483	108	32	(	(	PUNCT
fsr-3483	108	33	2022	2022	NUM
fsr-3483	108	34	)	)	PUNCT
fsr-3483	108	35	165–177	165–177	NUM
fsr-3483	108	36	federal	federal	ADJ
fsr-3483	108	37	reserve	reserve	NOUN
fsr-3483	108	38	system	system	NOUN
fsr-3483	108	39	with	with	ADP
fsr-3483	108	40	the	the	DET
fsr-3483	108	41	cooperation	cooperation	NOUN
fsr-3483	108	42	of	of	ADP
fsr-3483	108	43	the	the	DET
fsr-3483	108	44	u.s	u.s	PROPN
fsr-3483	108	45	.	.	PROPN
fsr-3483	108	46	department	department	PROPN
fsr-3483	108	47	of	of	ADP
fsr-3483	108	48	the	the	DET
fsr-3483	108	49	treasury	treasury	PROPN
fsr-3483	108	50	(	(	PUNCT
fsr-3483	108	51	bricker	bricker	NOUN
fsr-3483	108	52	et	et	NOUN
fsr-3483	108	53	al	al	PROPN
fsr-3483	108	54	.	.	PROPN
fsr-3483	108	55	,	,	PUNCT
fsr-3483	108	56	2017	2017	NUM
fsr-3483	108	57	)	)	PUNCT
fsr-3483	108	58	.	.	PUNCT
fsr-3483	109	1	hanna	hanna	PROPN
fsr-3483	109	2	,	,	PUNCT
fsr-3483	109	3	kim	kim	PROPN
fsr-3483	109	4	,	,	PUNCT
fsr-3483	109	5	and	and	CCONJ
fsr-3483	109	6	lindamood	lindamood	NOUN
fsr-3483	109	7	(	(	PUNCT
fsr-3483	109	8	2018	2018	NUM
fsr-3483	109	9	)	)	PUNCT
fsr-3483	109	10	provide	provide	VERB
fsr-3483	109	11	overviews	overview	NOUN
fsr-3483	109	12	of	of	ADP
fsr-3483	109	13	methodological	methodological	ADJ
fsr-3483	109	14	issues	issue	NOUN
fsr-3483	109	15	related	relate	VERB
fsr-3483	109	16	to	to	ADP
fsr-3483	109	17	use	use	NOUN
fsr-3483	109	18	of	of	ADP
fsr-3483	109	19	scf	scf	PROPN
fsr-3483	109	20	datasets	dataset	NOUN
fsr-3483	109	21	.	.	PUNCT
fsr-3483	110	1	4.2	4.2	NUM
fsr-3483	110	2	.	.	PUNCT
fsr-3483	111	1	dependent	dependent	ADJ
fsr-3483	111	2	variable	variable	NOUN
fsr-3483	111	3	as	as	SCONJ
fsr-3483	111	4	the	the	DET
fsr-3483	111	5	focus	focus	NOUN
fsr-3483	111	6	is	be	AUX
fsr-3483	111	7	on	on	ADP
fsr-3483	111	8	whether	whether	SCONJ
fsr-3483	111	9	households	household	NOUN
fsr-3483	111	10	have	have	AUX
fsr-3483	111	11	a	a	DET
fsr-3483	111	12	heavy	heavy	ADJ
fsr-3483	111	13	financial	financial	ADJ
fsr-3483	111	14	obligations	obligation	NOUN
fsr-3483	111	15	ratio	ratio	NOUN
fsr-3483	111	16	,	,	PUNCT
fsr-3483	111	17	it	it	PRON
fsr-3483	111	18	is	be	AUX
fsr-3483	111	19	important	important	ADJ
fsr-3483	111	20	to	to	PART
fsr-3483	111	21	consider	consider	VERB
fsr-3483	111	22	the	the	DET
fsr-3483	111	23	distribution	distribution	NOUN
fsr-3483	111	24	of	of	ADP
fsr-3483	111	25	the	the	DET
fsr-3483	111	26	ratio	ratio	NOUN
fsr-3483	111	27	.	.	PUNCT
fsr-3483	112	1	table	table	NOUN
fsr-3483	112	2	1	1	NUM
fsr-3483	112	3	shows	show	VERB
fsr-3483	112	4	the	the	DET
fsr-3483	112	5	mean	mean	ADJ
fsr-3483	112	6	levels	level	NOUN
fsr-3483	112	7	and	and	CCONJ
fsr-3483	112	8	quantiles	quantile	NOUN
fsr-3483	112	9	of	of	ADP
fsr-3483	112	10	the	the	DET
fsr-3483	112	11	ratio	ratio	NOUN
fsr-3483	112	12	for	for	ADP
fsr-3483	112	13	all	all	DET
fsr-3483	112	14	households	household	NOUN
fsr-3483	112	15	and	and	CCONJ
fsr-3483	112	16	renter	renter	NOUN
fsr-3483	112	17	households	household	NOUN
fsr-3483	112	18	in	in	ADP
fsr-3483	112	19	the	the	DET
fsr-3483	112	20	2016	2016	NUM
fsr-3483	112	21	scf	scf	PROPN
fsr-3483	112	22	.	.	PUNCT
fsr-3483	113	1	the	the	DET
fsr-3483	113	2	mean	mean	ADJ
fsr-3483	113	3	level	level	NOUN
fsr-3483	113	4	of	of	ADP
fsr-3483	113	5	the	the	DET
fsr-3483	113	6	ratio	ratio	NOUN
fsr-3483	113	7	was	be	AUX
fsr-3483	113	8	418	418	NUM
fsr-3483	113	9	%	%	NOUN
fsr-3483	113	10	for	for	ADP
fsr-3483	113	11	renters	renter	NOUN
fsr-3483	113	12	,	,	PUNCT
fsr-3483	113	13	and	and	CCONJ
fsr-3483	113	14	the	the	DET
fsr-3483	113	15	maximum	maximum	ADJ
fsr-3483	113	16	levels	level	NOUN
fsr-3483	113	17	were	be	AUX
fsr-3483	113	18	extremely	extremely	ADV
fsr-3483	113	19	high	high	ADJ
fsr-3483	113	20	,	,	PUNCT
fsr-3483	113	21	for	for	ADP
fsr-3483	113	22	instance	instance	NOUN
fsr-3483	113	23	,	,	PUNCT
fsr-3483	113	24	266,872	266,872	NUM
fsr-3483	113	25	%	%	NOUN
fsr-3483	113	26	for	for	ADP
fsr-3483	113	27	renters	renter	NOUN
fsr-3483	113	28	.	.	PUNCT
fsr-3483	114	1	fig	fig	NOUN
fsr-3483	114	2	.	.	PUNCT
fsr-3483	115	1	2	2	NUM
fsr-3483	115	2	shows	show	VERB
fsr-3483	115	3	the	the	DET
fsr-3483	115	4	cumulative	cumulative	ADJ
fsr-3483	115	5	distributions	distribution	NOUN
fsr-3483	115	6	of	of	ADP
fsr-3483	115	7	the	the	DET
fsr-3483	115	8	financial	financial	ADJ
fsr-3483	115	9	obligations	obligation	NOUN
fsr-3483	115	10	burden	burden	NOUN
fsr-3483	115	11	for	for	ADP
fsr-3483	115	12	renters	renter	NOUN
fsr-3483	115	13	,	,	PUNCT
fsr-3483	115	14	and	and	CCONJ
fsr-3483	115	15	obviously	obviously	ADV
fsr-3483	115	16	the	the	DET
fsr-3483	115	17	distributions	distribution	NOUN
fsr-3483	115	18	are	be	AUX
fsr-3483	115	19	very	very	ADV
fsr-3483	115	20	skewed	skewed	ADJ
fsr-3483	115	21	.	.	PUNCT
fsr-3483	116	1	we	we	PRON
fsr-3483	116	2	followed	follow	VERB
fsr-3483	116	3	hanna	hanna	PROPN
fsr-3483	116	4	et	et	PROPN
fsr-3483	116	5	al	al	PROPN
fsr-3483	116	6	.	.	PROPN
fsr-3483	117	1	(	(	PUNCT
fsr-3483	117	2	2012a	2012a	NUM
fsr-3483	117	3	,	,	PUNCT
fsr-3483	117	4	2012b	2012b	NUM
fsr-3483	117	5	)	)	PUNCT
fsr-3483	117	6	in	in	ADP
fsr-3483	117	7	defining	define	VERB
fsr-3483	117	8	financial	financial	ADJ
fsr-3483	117	9	obligations	obligation	NOUN
fsr-3483	117	10	to	to	PART
fsr-3483	117	11	include	include	VERB
fsr-3483	117	12	rent	rent	NOUN
fsr-3483	117	13	,	,	PUNCT
fsr-3483	117	14	vehicle	vehicle	NOUN
fsr-3483	117	15	leases	lease	NOUN
fsr-3483	117	16	,	,	PUNCT
fsr-3483	117	17	debt	debt	NOUN
fsr-3483	117	18	payments	payment	NOUN
fsr-3483	117	19	,	,	PUNCT
fsr-3483	117	20	and	and	CCONJ
fsr-3483	117	21	real	real	ADJ
fsr-3483	117	22	estate	estate	NOUN
fsr-3483	117	23	taxes	taxis	NOUN
fsr-3483	117	24	on	on	ADP
fsr-3483	117	25	the	the	DET
fsr-3483	117	26	household	household	NOUN
fsr-3483	117	27	’s	’s	PART
fsr-3483	117	28	residence	residence	NOUN
fsr-3483	117	29	.	.	PUNCT
fsr-3483	118	1	additionally	additionally	ADV
fsr-3483	118	2	,	,	PUNCT
fsr-3483	118	3	we	we	PRON
fsr-3483	118	4	included	include	VERB
fsr-3483	118	5	households	household	NOUN
fsr-3483	118	6	’	'	PUNCT
fsr-3483	118	7	alimony	alimony	NOUN
fsr-3483	118	8	and	and	CCONJ
fsr-3483	118	9	child	child	NOUN
fsr-3483	118	10	support	support	NOUN
fsr-3483	118	11	payments	payment	NOUN
fsr-3483	118	12	in	in	ADP
fsr-3483	118	13	in	in	ADP
fsr-3483	118	14	financial	financial	ADJ
fsr-3483	118	15	obligations	obligation	NOUN
fsr-3483	118	16	.	.	PUNCT
fsr-3483	119	1	according	accord	VERB
fsr-3483	119	2	to	to	ADP
fsr-3483	119	3	hanna	hanna	PROPN
fsr-3483	119	4	et	et	PROPN
fsr-3483	119	5	al	al	PROPN
fsr-3483	119	6	(	(	PUNCT
fsr-3483	119	7	2012a	2012a	NUM
fsr-3483	119	8	)	)	PUNCT
fsr-3483	119	9	,	,	PUNCT
fsr-3483	119	10	rent	rent	NOUN
fsr-3483	119	11	payments	payment	NOUN
fsr-3483	119	12	include	include	VERB
fsr-3483	119	13	monthly	monthly	ADJ
fsr-3483	119	14	rent	rent	NOUN
fsr-3483	119	15	on	on	ADP
fsr-3483	119	16	homes	home	NOUN
fsr-3483	119	17	,	,	PUNCT
fsr-3483	119	18	site	site	NOUN
fsr-3483	119	19	or	or	CCONJ
fsr-3483	119	20	farm	farm	NOUN
fsr-3483	119	21	/	/	SYM
fsr-3483	119	22	ranch	ranch	NOUN
fsr-3483	119	23	,	,	PUNCT
fsr-3483	119	24	and	and	CCONJ
fsr-3483	119	25	lease	lease	NOUN
fsr-3483	119	26	payments	payment	NOUN
fsr-3483	119	27	include	include	VERB
fsr-3483	119	28	all	all	DET
fsr-3483	119	29	monthly	monthly	ADJ
fsr-3483	119	30	lease	lease	NOUN
fsr-3483	119	31	payments	payment	NOUN
fsr-3483	119	32	on	on	ADP
fsr-3483	119	33	vehicle	vehicle	NOUN
fsr-3483	119	34	.	.	PUNCT
fsr-3483	120	1	households	household	NOUN
fsr-3483	120	2	’	'	PUNCT
fsr-3483	120	3	debt	debt	NOUN
fsr-3483	120	4	payments	payment	NOUN
fsr-3483	120	5	include	include	VERB
fsr-3483	120	6	the	the	DET
fsr-3483	120	7	total	total	NOUN
fsr-3483	120	8	of	of	ADP
fsr-3483	120	9	monthly	monthly	ADJ
fsr-3483	120	10	payments	payment	NOUN
fsr-3483	120	11	on	on	ADP
fsr-3483	120	12	all	all	DET
fsr-3483	120	13	types	type	NOUN
fsr-3483	120	14	of	of	ADP
fsr-3483	120	15	loans	loan	NOUN
fsr-3483	120	16	,	,	PUNCT
fsr-3483	120	17	such	such	ADJ
fsr-3483	120	18	as	as	ADP
fsr-3483	120	19	credit	credit	NOUN
fsr-3483	120	20	cards	card	NOUN
fsr-3483	120	21	,	,	PUNCT
fsr-3483	120	22	home	home	NOUN
fsr-3483	120	23	mortgages	mortgage	NOUN
fsr-3483	120	24	,	,	PUNCT
fsr-3483	120	25	lines	line	NOUN
fsr-3483	120	26	of	of	ADP
fsr-3483	120	27	credit	credit	NOUN
fsr-3483	120	28	,	,	PUNCT
fsr-3483	120	29	home	home	NOUN
fsr-3483	120	30	improvement	improvement	NOUN
fsr-3483	120	31	loans	loan	NOUN
fsr-3483	120	32	,	,	PUNCT
fsr-3483	120	33	land	land	NOUN
fsr-3483	120	34	contracts	contract	NOUN
fsr-3483	120	35	,	,	PUNCT
fsr-3483	120	36	other	other	ADJ
fsr-3483	120	37	residential	residential	ADJ
fsr-3483	120	38	property	property	NOUN
fsr-3483	120	39	,	,	PUNCT
fsr-3483	120	40	vehicle	vehicle	NOUN
fsr-3483	120	41	loans	loan	NOUN
fsr-3483	120	42	,	,	PUNCT
fsr-3483	120	43	student	student	NOUN
fsr-3483	120	44	loans	loan	NOUN
fsr-3483	120	45	,	,	PUNCT
fsr-3483	120	46	installment	installment	NOUN
fsr-3483	120	47	loans	loan	NOUN
fsr-3483	120	48	,	,	PUNCT
fsr-3483	120	49	margin	margin	NOUN
fsr-3483	120	50	loans	loan	NOUN
fsr-3483	120	51	,	,	PUNCT
fsr-3483	120	52	loans	loan	NOUN
fsr-3483	120	53	with	with	ADP
fsr-3483	120	54	insurance	insurance	NOUN
fsr-3483	120	55	policies	policy	NOUN
fsr-3483	120	56	,	,	PUNCT
fsr-3483	120	57	pension	pension	NOUN
fsr-3483	120	58	loans	loan	NOUN
fsr-3483	120	59	,	,	PUNCT
fsr-3483	120	60	and	and	CCONJ
fsr-3483	120	61	other	other	ADJ
fsr-3483	120	62	loans	loan	NOUN
fsr-3483	120	63	.	.	PUNCT
fsr-3483	121	1	we	we	PRON
fsr-3483	121	2	followed	follow	VERB
fsr-3483	121	3	hanna	hanna	PROPN
fsr-3483	121	4	et	et	PROPN
fsr-3483	121	5	al	al	PROPN
fsr-3483	121	6	.	.	PROPN
fsr-3483	121	7	(	(	PUNCT
fsr-3483	121	8	2012a	2012a	NUM
fsr-3483	121	9	)	)	PUNCT
fsr-3483	121	10	in	in	ADP
fsr-3483	121	11	assuming	assume	VERB
fsr-3483	121	12	that	that	SCONJ
fsr-3483	121	13	monthly	monthly	ADJ
fsr-3483	121	14	credit	credit	NOUN
fsr-3483	121	15	card	card	NOUN
fsr-3483	121	16	payments	payment	NOUN
fsr-3483	121	17	were	be	AUX
fsr-3483	121	18	2.5	2.5	NUM
fsr-3483	121	19	%	%	NOUN
fsr-3483	121	20	of	of	ADP
fsr-3483	121	21	the	the	DET
fsr-3483	121	22	credit	credit	NOUN
fsr-3483	121	23	card	card	NOUN
fsr-3483	121	24	balance	balance	NOUN
fsr-3483	121	25	.	.	PUNCT
fsr-3483	122	1	fig	fig	NOUN
fsr-3483	122	2	.	.	PUNCT
fsr-3483	123	1	3	3	NUM
fsr-3483	123	2	shows	show	VERB
fsr-3483	123	3	the	the	DET
fsr-3483	123	4	proportions	proportion	NOUN
fsr-3483	123	5	of	of	ADP
fsr-3483	123	6	each	each	DET
fsr-3483	123	7	component	component	NOUN
fsr-3483	123	8	of	of	ADP
fsr-3483	123	9	financial	financial	ADJ
fsr-3483	123	10	obligations	obligation	NOUN
fsr-3483	123	11	among	among	ADP
fsr-3483	123	12	renters	renter	NOUN
fsr-3483	123	13	.	.	PUNCT
fsr-3483	124	1	on	on	ADP
fsr-3483	124	2	average	average	ADJ
fsr-3483	124	3	,	,	PUNCT
fsr-3483	124	4	rent	rent	NOUN
fsr-3483	124	5	payments	payment	NOUN
fsr-3483	124	6	comprised	comprise	VERB
fsr-3483	124	7	70	70	NUM
fsr-3483	124	8	%	%	NOUN
fsr-3483	124	9	of	of	ADP
fsr-3483	124	10	financial	financial	ADJ
fsr-3483	124	11	obligations	obligation	NOUN
fsr-3483	124	12	for	for	ADP
fsr-3483	124	13	renters	renter	NOUN
fsr-3483	124	14	,	,	PUNCT
fsr-3483	124	15	followed	follow	VERB
fsr-3483	124	16	by	by	ADP
fsr-3483	124	17	loan	loan	NOUN
fsr-3483	124	18	payments	payment	NOUN
fsr-3483	124	19	.	.	PUNCT
fsr-3483	125	1	table	table	NOUN
fsr-3483	125	2	1	1	NUM
fsr-3483	125	3	distribution	distribution	NOUN
fsr-3483	125	4	of	of	ADP
fsr-3483	125	5	financial	financial	ADJ
fsr-3483	125	6	obligations	obligation	NOUN
fsr-3483	125	7	ratio	ratio	NOUN
fsr-3483	125	8	for	for	ADP
fsr-3483	125	9	all	all	DET
fsr-3483	125	10	households	household	NOUN
fsr-3483	125	11	and	and	CCONJ
fsr-3483	125	12	for	for	ADP
fsr-3483	125	13	renters	renter	NOUN
fsr-3483	125	14	,	,	PUNCT
fsr-3483	125	15	2016	2016	NUM
fsr-3483	125	16	scf	scf	PROPN
fsr-3483	125	17	quantile	quantile	ADJ
fsr-3483	125	18	renters	renter	NOUN
fsr-3483	125	19	mean	mean	VERB
fsr-3483	125	20	418	418	NUM
fsr-3483	125	21	%	%	NOUN
fsr-3483	125	22	maximum	maximum	ADJ
fsr-3483	125	23	266,872	266,872	NUM
fsr-3483	125	24	%	%	NOUN
fsr-3483	125	25	99th	99th	ADJ
fsr-3483	125	26	percentile	percentile	NOUN
fsr-3483	125	27	240	240	NUM
fsr-3483	125	28	%	%	NOUN
fsr-3483	125	29	95th	95th	ADJ
fsr-3483	125	30	percentile	percentile	ADJ
fsr-3483	125	31	104	104	NUM
fsr-3483	125	32	%	%	NOUN
fsr-3483	125	33	90th	90th	NOUN
fsr-3483	125	34	percentile	percentile	ADJ
fsr-3483	125	35	77	77	NUM
fsr-3483	125	36	%	%	NOUN
fsr-3483	125	37	75th	75th	ADJ
fsr-3483	125	38	percentile	percentile	ADJ
fsr-3483	125	39	52	52	NUM
fsr-3483	125	40	%	%	NOUN
fsr-3483	125	41	median	median	NOUN
fsr-3483	125	42	34	34	NUM
fsr-3483	125	43	%	%	NOUN
fsr-3483	125	44	25th	25th	NOUN
fsr-3483	125	45	percentile	percentile	ADJ
fsr-3483	125	46	23	23	NUM
fsr-3483	125	47	%	%	NOUN
fsr-3483	125	48	10th	10th	ADJ
fsr-3483	125	49	percentile	percentile	ADJ
fsr-3483	125	50	15	15	NUM
fsr-3483	125	51	%	%	NOUN
fsr-3483	125	52	5th	5th	ADJ
fsr-3483	125	53	percentile	percentile	ADJ
fsr-3483	125	54	10	10	NUM
fsr-3483	125	55	%	%	NOUN
fsr-3483	125	56	1st	1st	ADJ
fsr-3483	125	57	percentile	percentile	ADJ
fsr-3483	125	58	0	0	NUM
fsr-3483	125	59	%	%	NOUN
fsr-3483	125	60	minimum	minimum	ADJ
fsr-3483	125	61	0	0	NUM
fsr-3483	125	62	%	%	NOUN
fsr-3483	125	63	proportion	proportion	NOUN
fsr-3483	125	64	with	with	ADP
fsr-3483	125	65	financial	financial	ADJ
fsr-3483	125	66	obligations	obligation	NOUN
fsr-3483	125	67	>	>	PUNCT
fsr-3483	125	68	40	40	NUM
fsr-3483	125	69	%	%	NOUN
fsr-3483	125	70	of	of	ADP
fsr-3483	125	71	income	income	NOUN
fsr-3483	125	72	40	40	NUM
fsr-3483	125	73	%	%	NOUN
fsr-3483	125	74	weighted	weight	VERB
fsr-3483	125	75	%	%	NOUN
fsr-3483	125	76	36	36	NUM
fsr-3483	125	77	%	%	NOUN
fsr-3483	125	78	unweighted	unweighte	VERB
fsr-3483	125	79	n	n	NUM
fsr-3483	125	80	2,072	2,072	NUM
fsr-3483	125	81	note	note	NOUN
fsr-3483	125	82	:	:	PUNCT
fsr-3483	126	1	scf	scf	PROPN
fsr-3483	126	2	=	=	NOUN
fsr-3483	126	3	survey	survey	NOUN
fsr-3483	126	4	of	of	ADP
fsr-3483	126	5	consumer	consumer	NOUN
fsr-3483	126	6	finance	finance	NOUN
fsr-3483	126	7	.	.	PUNCT
fsr-3483	127	1	percentages	percentage	NOUN
fsr-3483	127	2	are	be	AUX
fsr-3483	127	3	weighted	weight	VERB
fsr-3483	127	4	.	.	PUNCT
fsr-3483	128	1	c.	c.	PROPN
fsr-3483	128	2	ouyang	ouyang	PROPN
fsr-3483	128	3	and	and	CCONJ
fsr-3483	128	4	s.	s.	PROPN
fsr-3483	128	5	d.	d.	PROPN
fsr-3483	128	6	hanna	hanna	PROPN
fsr-3483	128	7	/	/	SYM
fsr-3483	128	8	financial	financial	ADJ
fsr-3483	128	9	services	service	NOUN
fsr-3483	128	10	review	review	VERB
fsr-3483	128	11	30	30	NUM
fsr-3483	128	12	(	(	PUNCT
fsr-3483	128	13	2022	2022	NUM
fsr-3483	128	14	)	)	PUNCT
fsr-3483	129	1	165–177	165–177	NUM
fsr-3483	129	2	171	171	NUM
fsr-3483	129	3	4.3	4.3	NUM
fsr-3483	129	4	.	.	PUNCT
fsr-3483	130	1	independent	independent	ADJ
fsr-3483	130	2	variables	variable	NOUN
fsr-3483	130	3	independent	independent	ADJ
fsr-3483	130	4	variables	variable	NOUN
fsr-3483	130	5	likely	likely	ADJ
fsr-3483	130	6	to	to	PART
fsr-3483	130	7	be	be	AUX
fsr-3483	130	8	related	relate	VERB
fsr-3483	130	9	to	to	ADP
fsr-3483	130	10	consumption	consumption	NOUN
fsr-3483	130	11	were	be	AUX
fsr-3483	130	12	selected	select	VERB
fsr-3483	130	13	,	,	PUNCT
fsr-3483	130	14	mostly	mostly	ADV
fsr-3483	130	15	following	follow	VERB
fsr-3483	130	16	the	the	DET
fsr-3483	130	17	model	model	NOUN
fsr-3483	130	18	used	use	VERB
fsr-3483	130	19	by	by	ADP
fsr-3483	130	20	hanna	hanna	PROPN
fsr-3483	130	21	et	et	PROPN
fsr-3483	130	22	al	al	PROPN
fsr-3483	130	23	.	.	PROPN
fsr-3483	130	24	(	(	PUNCT
fsr-3483	130	25	2012a	2012a	NUM
fsr-3483	130	26	,	,	PUNCT
fsr-3483	130	27	2012b	2012b	NUM
fsr-3483	130	28	)	)	PUNCT
fsr-3483	130	29	.	.	PUNCT
fsr-3483	131	1	the	the	DET
fsr-3483	131	2	explanatory	explanatory	ADJ
fsr-3483	131	3	variables	variable	NOUN
fsr-3483	131	4	include	include	VERB
fsr-3483	131	5	the	the	DET
fsr-3483	131	6	age	age	NOUN
fsr-3483	131	7	,	,	PUNCT
fsr-3483	131	8	education	education	NOUN
fsr-3483	131	9	,	,	PUNCT
fsr-3483	131	10	and	and	CCONJ
fsr-3483	131	11	racial	racial	ADJ
fsr-3483	131	12	/	/	SYM
fsr-3483	131	13	ethnic	ethnic	ADJ
fsr-3483	131	14	self	self	NOUN
fsr-3483	131	15	-	-	PUNCT
fsr-3483	131	16	identification	identification	NOUN
fsr-3483	131	17	of	of	ADP
fsr-3483	131	18	the	the	DET
fsr-3483	131	19	respondent	respondent	NOUN
fsr-3483	131	20	,	,	PUNCT
fsr-3483	131	21	household	household	NOUN
fsr-3483	131	22	health	health	NOUN
fsr-3483	131	23	(	(	PUNCT
fsr-3483	131	24	head	head	NOUN
fsr-3483	131	25	fig	fig	NOUN
fsr-3483	131	26	.	.	PUNCT
fsr-3483	132	1	2	2	X
fsr-3483	132	2	.	.	NOUN
fsr-3483	132	3	cumulative	cumulative	ADJ
fsr-3483	132	4	distribution	distribution	NOUN
fsr-3483	132	5	of	of	ADP
fsr-3483	132	6	financial	financial	ADJ
fsr-3483	132	7	obligations	obligation	NOUN
fsr-3483	132	8	ratio	ratio	NOUN
fsr-3483	132	9	for	for	ADP
fsr-3483	132	10	renters	renter	NOUN
fsr-3483	132	11	.	.	PUNCT
fsr-3483	133	1	note	note	NOUN
fsr-3483	133	2	:	:	PUNCT
fsr-3483	133	3	based	base	VERB
fsr-3483	133	4	on	on	ADP
fsr-3483	133	5	weighted	weighted	ADJ
fsr-3483	133	6	analyses	analysis	NOUN
fsr-3483	133	7	of	of	ADP
fsr-3483	133	8	renter	renter	NOUN
fsr-3483	133	9	households	household	NOUN
fsr-3483	133	10	in	in	ADP
fsr-3483	133	11	the	the	DET
fsr-3483	133	12	2016	2016	NUM
fsr-3483	133	13	survey	survey	NOUN
fsr-3483	133	14	of	of	ADP
fsr-3483	133	15	consumer	consumer	NOUN
fsr-3483	133	16	finance	finance	NOUN
fsr-3483	133	17	(	(	PUNCT
fsr-3483	133	18	scf	scf	PROPN
fsr-3483	133	19	)	)	PUNCT
fsr-3483	133	20	dataset	dataset	NOUN
fsr-3483	133	21	.	.	PUNCT
fsr-3483	134	1	fig	fig	NOUN
fsr-3483	134	2	.	.	PUNCT
fsr-3483	135	1	3	3	X
fsr-3483	135	2	.	.	X
fsr-3483	135	3	components	component	NOUN
fsr-3483	135	4	of	of	ADP
fsr-3483	135	5	financial	financial	ADJ
fsr-3483	135	6	obligations	obligation	NOUN
fsr-3483	135	7	of	of	ADP
fsr-3483	135	8	renters	renter	NOUN
fsr-3483	135	9	.	.	PUNCT
fsr-3483	136	1	note	note	NOUN
fsr-3483	136	2	:	:	PUNCT
fsr-3483	136	3	weighted	weight	VERB
fsr-3483	136	4	analysis	analysis	NOUN
fsr-3483	136	5	of	of	ADP
fsr-3483	136	6	2016	2016	NUM
fsr-3483	136	7	survey	survey	NOUN
fsr-3483	136	8	of	of	ADP
fsr-3483	136	9	consumer	consumer	NOUN
fsr-3483	136	10	finance	finance	NOUN
fsr-3483	136	11	(	(	PUNCT
fsr-3483	136	12	scf	scf	PROPN
fsr-3483	136	13	)	)	PUNCT
fsr-3483	136	14	.	.	PUNCT
fsr-3483	137	1	172	172	NUM
fsr-3483	137	2	c.	c.	PROPN
fsr-3483	137	3	ouyang	ouyang	PROPN
fsr-3483	137	4	and	and	CCONJ
fsr-3483	137	5	s.	s.	PROPN
fsr-3483	137	6	d.	d.	PROPN
fsr-3483	137	7	hanna	hanna	PROPN
fsr-3483	137	8	/	/	SYM
fsr-3483	137	9	financial	financial	ADJ
fsr-3483	137	10	services	service	NOUN
fsr-3483	137	11	review	review	VERB
fsr-3483	137	12	30	30	NUM
fsr-3483	137	13	(	(	PUNCT
fsr-3483	137	14	2022	2022	NUM
fsr-3483	137	15	)	)	PUNCT
fsr-3483	137	16	165–177	165–177	NUM
fsr-3483	137	17	and/or	and/or	CCONJ
fsr-3483	137	18	spouse	spouse	NOUN
fsr-3483	137	19	/	/	SYM
fsr-3483	137	20	partner	partner	NOUN
fsr-3483	137	21	in	in	ADP
fsr-3483	137	22	poor	poor	ADJ
fsr-3483	137	23	/	/	SYM
fsr-3483	137	24	fair	fair	ADJ
fsr-3483	137	25	health	health	NOUN
fsr-3483	137	26	vs.	vs.	ADP
fsr-3483	137	27	good	good	ADJ
fsr-3483	137	28	/	/	SYM
fsr-3483	137	29	excellent	excellent	ADJ
fsr-3483	137	30	health	health	NOUN
fsr-3483	137	31	)	)	PUNCT
fsr-3483	137	32	.	.	PUNCT
fsr-3483	138	1	in	in	ADP
fsr-3483	138	2	addition	addition	NOUN
fsr-3483	138	3	to	to	ADP
fsr-3483	138	4	the	the	DET
fsr-3483	138	5	variables	variable	NOUN
fsr-3483	138	6	used	use	VERB
fsr-3483	138	7	by	by	ADP
fsr-3483	138	8	hanna	hanna	PROPN
fsr-3483	138	9	et	et	PROPN
fsr-3483	138	10	al	al	PROPN
fsr-3483	138	11	.	.	PROPN
fsr-3483	138	12	,	,	PUNCT
fsr-3483	138	13	we	we	PRON
fsr-3483	138	14	added	add	VERB
fsr-3483	138	15	attitudinal	attitudinal	ADJ
fsr-3483	138	16	variables	variable	NOUN
fsr-3483	138	17	:	:	PUNCT
fsr-3483	138	18	whether	whether	SCONJ
fsr-3483	138	19	the	the	DET
fsr-3483	138	20	household	household	NOUN
fsr-3483	138	21	had	have	VERB
fsr-3483	138	22	education	education	NOUN
fsr-3483	138	23	loan	loan	NOUN
fsr-3483	138	24	payments	payment	NOUN
fsr-3483	138	25	,	,	PUNCT
fsr-3483	138	26	whether	whether	SCONJ
fsr-3483	138	27	the	the	DET
fsr-3483	138	28	household	household	NOUN
fsr-3483	138	29	had	have	VERB
fsr-3483	138	30	alimony	alimony	NOUN
fsr-3483	138	31	/	/	SYM
fsr-3483	138	32	child	child	NOUN
fsr-3483	138	33	support	support	NOUN
fsr-3483	138	34	payments	payment	NOUN
fsr-3483	138	35	,	,	PUNCT
fsr-3483	138	36	risk	risk	NOUN
fsr-3483	138	37	tolerance	tolerance	NOUN
fsr-3483	138	38	,	,	PUNCT
fsr-3483	138	39	expectations	expectation	NOUN
fsr-3483	138	40	for	for	ADP
fsr-3483	138	41	the	the	DET
fsr-3483	138	42	u.s	u.s	PROPN
fsr-3483	138	43	.	.	PROPN
fsr-3483	138	44	economy	economy	NOUN
fsr-3483	138	45	,	,	PUNCT
fsr-3483	138	46	transitory	transitory	ADJ
fsr-3483	138	47	income	income	NOUN
fsr-3483	138	48	shocks	shock	NOUN
fsr-3483	138	49	(	(	PUNCT
fsr-3483	138	50	household	household	NOUN
fsr-3483	138	51	income	income	NOUN
fsr-3483	138	52	higher	high	ADJ
fsr-3483	138	53	or	or	CCONJ
fsr-3483	138	54	lower	low	ADJ
fsr-3483	138	55	than	than	ADP
fsr-3483	138	56	normal	normal	ADJ
fsr-3483	138	57	income	income	NOUN
fsr-3483	138	58	)	)	PUNCT
fsr-3483	138	59	,	,	PUNCT
fsr-3483	138	60	and	and	CCONJ
fsr-3483	138	61	expectations	expectation	NOUN
fsr-3483	138	62	about	about	ADP
fsr-3483	138	63	whether	whether	SCONJ
fsr-3483	138	64	the	the	DET
fsr-3483	138	65	household	household	NOUN
fsr-3483	138	66	’s	’s	PART
fsr-3483	138	67	income	income	NOUN
fsr-3483	138	68	would	would	AUX
fsr-3483	138	69	increase	increase	VERB
fsr-3483	138	70	faster	fast	ADV
fsr-3483	138	71	or	or	CCONJ
fsr-3483	138	72	slower	slow	ADJ
fsr-3483	138	73	than	than	ADP
fsr-3483	138	74	inflation	inflation	NOUN
fsr-3483	138	75	.	.	PUNCT
fsr-3483	139	1	we	we	PRON
fsr-3483	139	2	also	also	ADV
fsr-3483	139	3	used	use	VERB
fsr-3483	139	4	the	the	DET
fsr-3483	139	5	financial	financial	ADJ
fsr-3483	139	6	knowledge	knowledge	NOUN
fsr-3483	139	7	questions	question	NOUN
fsr-3483	139	8	in	in	ADP
fsr-3483	139	9	the	the	DET
fsr-3483	139	10	scf	scf	PROPN
fsr-3483	139	11	,	,	PUNCT
fsr-3483	139	12	with	with	ADP
fsr-3483	139	13	one	one	NUM
fsr-3483	139	14	point	point	NOUN
fsr-3483	139	15	for	for	ADP
fsr-3483	139	16	each	each	DET
fsr-3483	139	17	correct	correct	ADJ
fsr-3483	139	18	answer	answer	NOUN
fsr-3483	139	19	,	,	PUNCT
fsr-3483	139	20	so	so	CCONJ
fsr-3483	139	21	the	the	DET
fsr-3483	139	22	variable	variable	NOUN
fsr-3483	139	23	ranged	range	VERB
fsr-3483	139	24	in	in	ADP
fsr-3483	139	25	value	value	NOUN
fsr-3483	139	26	from	from	ADP
fsr-3483	139	27	0	0	NUM
fsr-3483	139	28	to	to	ADP
fsr-3483	139	29	3	3	NUM
fsr-3483	139	30	.	.	PUNCT
fsr-3483	140	1	we	we	PRON
fsr-3483	140	2	controlled	control	VERB
fsr-3483	140	3	for	for	ADP
fsr-3483	140	4	the	the	DET
fsr-3483	140	5	natural	natural	ADJ
fsr-3483	140	6	log	log	NOUN
fsr-3483	140	7	of	of	ADP
fsr-3483	140	8	income	income	NOUN
fsr-3483	140	9	,	,	PUNCT
fsr-3483	140	10	setting	set	VERB
fsr-3483	140	11	it	it	PRON
fsr-3483	140	12	equal	equal	ADJ
fsr-3483	140	13	to	to	ADP
fsr-3483	140	14	log(0.01	log(0.01	NUM
fsr-3483	140	15	)	)	PUNCT
fsr-3483	140	16	for	for	ADP
fsr-3483	140	17	income	income	NOUN
fsr-3483	140	18	equal	equal	ADJ
fsr-3483	140	19	to	to	ADP
fsr-3483	140	20	zero	zero	NUM
fsr-3483	140	21	.	.	PUNCT
fsr-3483	141	1	4.4	4.4	NUM
fsr-3483	141	2	.	.	PUNCT
fsr-3483	142	1	ordinary	ordinary	ADJ
fsr-3483	142	2	least	least	ADJ
fsr-3483	142	3	squares	square	NOUN
fsr-3483	142	4	regression	regression	VERB
fsr-3483	142	5	to	to	PART
fsr-3483	142	6	obtain	obtain	VERB
fsr-3483	142	7	more	more	ADJ
fsr-3483	142	8	insights	insight	NOUN
fsr-3483	142	9	than	than	ADP
fsr-3483	142	10	the	the	DET
fsr-3483	142	11	investigation	investigation	NOUN
fsr-3483	142	12	of	of	ADP
fsr-3483	142	13	factors	factor	NOUN
fsr-3483	142	14	related	relate	VERB
fsr-3483	142	15	to	to	ADP
fsr-3483	142	16	an	an	DET
fsr-3483	142	17	arbitrary	arbitrary	ADJ
fsr-3483	142	18	threshold	threshold	NOUN
fsr-3483	142	19	,	,	PUNCT
fsr-3483	142	20	whether	whether	SCONJ
fsr-3483	142	21	the	the	DET
fsr-3483	142	22	financial	financial	ADJ
fsr-3483	142	23	obligations	obligation	NOUN
fsr-3483	142	24	ratio	ratio	NOUN
fsr-3483	142	25	is	be	AUX
fsr-3483	142	26	over	over	ADP
fsr-3483	142	27	40	40	NUM
fsr-3483	142	28	%	%	NOUN
fsr-3483	142	29	,	,	PUNCT
fsr-3483	142	30	we	we	PRON
fsr-3483	142	31	used	use	VERB
fsr-3483	142	32	an	an	DET
fsr-3483	142	33	ordinary	ordinary	ADJ
fsr-3483	142	34	least	least	ADJ
fsr-3483	142	35	squares	square	NOUN
fsr-3483	142	36	(	(	PUNCT
fsr-3483	142	37	ols	ol	NOUN
fsr-3483	142	38	)	)	PUNCT
fsr-3483	142	39	regression	regression	NOUN
fsr-3483	142	40	on	on	ADP
fsr-3483	142	41	the	the	DET
fsr-3483	142	42	ratio	ratio	NOUN
fsr-3483	142	43	on	on	ADP
fsr-3483	142	44	the	the	DET
fsr-3483	142	45	natural	natural	ADJ
fsr-3483	142	46	log	log	NOUN
fsr-3483	142	47	of	of	ADP
fsr-3483	142	48	the	the	DET
fsr-3483	142	49	ratio	ratio	NOUN
fsr-3483	142	50	.	.	PUNCT
fsr-3483	143	1	we	we	PRON
fsr-3483	143	2	tried	try	VERB
fsr-3483	143	3	an	an	DET
fsr-3483	143	4	ols	ol	NOUN
fsr-3483	143	5	regression	regression	NOUN
fsr-3483	143	6	on	on	ADP
fsr-3483	143	7	the	the	DET
fsr-3483	143	8	actual	actual	ADJ
fsr-3483	143	9	ratio	ratio	NOUN
fsr-3483	143	10	,	,	PUNCT
fsr-3483	143	11	but	but	CCONJ
fsr-3483	143	12	the	the	DET
fsr-3483	143	13	estimated	estimate	VERB
fsr-3483	143	14	effects	effect	NOUN
fsr-3483	143	15	were	be	AUX
fsr-3483	143	16	extremely	extremely	ADV
fsr-3483	143	17	large	large	ADJ
fsr-3483	143	18	and	and	CCONJ
fsr-3483	143	19	mostly	mostly	ADV
fsr-3483	143	20	insignificant	insignificant	ADJ
fsr-3483	143	21	.	.	PUNCT
fsr-3483	144	1	using	use	VERB
fsr-3483	144	2	the	the	DET
fsr-3483	144	3	log	log	NOUN
fsr-3483	144	4	of	of	ADP
fsr-3483	144	5	the	the	DET
fsr-3483	144	6	ratio	ratio	NOUN
fsr-3483	144	7	reduced	reduce	VERB
fsr-3483	144	8	the	the	DET
fsr-3483	144	9	influence	influence	NOUN
fsr-3483	144	10	of	of	ADP
fsr-3483	144	11	outlier	outlier	ADJ
fsr-3483	144	12	values	value	NOUN
fsr-3483	144	13	of	of	ADP
fsr-3483	144	14	the	the	DET
fsr-3483	144	15	ratio	ratio	NOUN
fsr-3483	144	16	.	.	PUNCT
fsr-3483	145	1	5	5	X
fsr-3483	145	2	.	.	X
fsr-3483	145	3	results	result	VERB
fsr-3483	145	4	5.1	5.1	NUM
fsr-3483	145	5	.	.	PUNCT
fsr-3483	146	1	descriptive	descriptive	ADJ
fsr-3483	146	2	results	result	NOUN
fsr-3483	146	3	of	of	ADP
fsr-3483	146	4	financial	financial	ADJ
fsr-3483	146	5	obligations	obligation	NOUN
fsr-3483	146	6	to	to	PART
fsr-3483	146	7	income	income	NOUN
fsr-3483	146	8	ratio	ratio	NOUN
fsr-3483	146	9	and	and	CCONJ
fsr-3483	146	10	medians	median	NOUN
fsr-3483	146	11	of	of	ADP
fsr-3483	146	12	ratios	ratio	NOUN
fsr-3483	146	13	by	by	ADP
fsr-3483	146	14	household	household	NOUN
fsr-3483	146	15	characteristics	characteristic	NOUN
fsr-3483	146	16	to	to	PART
fsr-3483	146	17	obtain	obtain	VERB
fsr-3483	146	18	better	well	ADJ
fsr-3483	146	19	insights	insight	NOUN
fsr-3483	146	20	into	into	ADP
fsr-3483	146	21	patterns	pattern	NOUN
fsr-3483	146	22	of	of	ADP
fsr-3483	146	23	household	household	NOUN
fsr-3483	146	24	behaviors	behavior	NOUN
fsr-3483	146	25	on	on	ADP
fsr-3483	146	26	financial	financial	ADJ
fsr-3483	146	27	obligations	obligation	NOUN
fsr-3483	146	28	ratio	ratio	NOUN
fsr-3483	146	29	,	,	PUNCT
fsr-3483	146	30	we	we	PRON
fsr-3483	146	31	analyzed	analyze	VERB
fsr-3483	146	32	the	the	DET
fsr-3483	146	33	median	median	ADJ
fsr-3483	146	34	financial	financial	ADJ
fsr-3483	146	35	obligations	obligation	NOUN
fsr-3483	146	36	ratio	ratio	NOUN
fsr-3483	146	37	by	by	ADP
fsr-3483	146	38	renters	renter	NOUN
fsr-3483	146	39	.	.	PUNCT
fsr-3483	147	1	table	table	NOUN
fsr-3483	147	2	2	2	NUM
fsr-3483	147	3	presents	present	VERB
fsr-3483	147	4	the	the	DET
fsr-3483	147	5	median	median	ADJ
fsr-3483	147	6	level	level	NOUN
fsr-3483	147	7	of	of	ADP
fsr-3483	147	8	the	the	DET
fsr-3483	147	9	ratio	ratio	NOUN
fsr-3483	147	10	by	by	ADP
fsr-3483	147	11	categories	category	NOUN
fsr-3483	147	12	of	of	ADP
fsr-3483	147	13	independent	independent	ADJ
fsr-3483	147	14	variables	variable	NOUN
fsr-3483	147	15	.	.	PUNCT
fsr-3483	148	1	the	the	DET
fsr-3483	148	2	median	median	ADJ
fsr-3483	148	3	ratio	ratio	NOUN
fsr-3483	148	4	ranged	range	VERB
fsr-3483	148	5	from	from	ADP
fsr-3483	148	6	31	31	NUM
fsr-3483	148	7	%	%	NOUN
fsr-3483	148	8	for	for	ADP
fsr-3483	148	9	households	household	NOUN
fsr-3483	148	10	with	with	ADP
fsr-3483	148	11	a	a	DET
fsr-3483	148	12	white	white	ADJ
fsr-3483	148	13	respondent	respondent	NOUN
fsr-3483	148	14	to	to	ADP
fsr-3483	148	15	almost	almost	ADV
fsr-3483	148	16	39	39	NUM
fsr-3483	148	17	%	%	NOUN
fsr-3483	148	18	for	for	ADP
fsr-3483	148	19	households	household	NOUN
fsr-3483	148	20	with	with	ADP
fsr-3483	148	21	a	a	DET
fsr-3483	148	22	hispanic	hispanic	ADJ
fsr-3483	148	23	household	household	NOUN
fsr-3483	148	24	.	.	PUNCT
fsr-3483	149	1	there	there	PRON
fsr-3483	149	2	was	be	VERB
fsr-3483	149	3	no	no	DET
fsr-3483	149	4	particular	particular	ADJ
fsr-3483	149	5	pattern	pattern	NOUN
fsr-3483	149	6	for	for	ADP
fsr-3483	149	7	the	the	DET
fsr-3483	149	8	median	median	ADJ
fsr-3483	149	9	ratio	ratio	NOUN
fsr-3483	149	10	by	by	ADP
fsr-3483	149	11	age	age	NOUN
fsr-3483	149	12	for	for	ADP
fsr-3483	149	13	renters	renter	NOUN
fsr-3483	149	14	,	,	PUNCT
fsr-3483	149	15	but	but	CCONJ
fsr-3483	149	16	the	the	DET
fsr-3483	149	17	ratio	ratio	NOUN
fsr-3483	149	18	for	for	ADP
fsr-3483	149	19	those	those	PRON
fsr-3483	149	20	with	with	ADP
fsr-3483	149	21	a	a	DET
fsr-3483	149	22	graduate	graduate	NOUN
fsr-3483	149	23	degree	degree	NOUN
fsr-3483	149	24	,	,	PUNCT
fsr-3483	149	25	28	28	NUM
fsr-3483	149	26	%	%	NOUN
fsr-3483	149	27	,	,	PUNCT
fsr-3483	149	28	was	be	AUX
fsr-3483	149	29	much	much	ADV
fsr-3483	149	30	lower	low	ADJ
fsr-3483	149	31	than	than	ADP
fsr-3483	149	32	the	the	DET
fsr-3483	149	33	ratio	ratio	NOUN
fsr-3483	149	34	for	for	ADP
fsr-3483	149	35	those	those	PRON
fsr-3483	149	36	lacking	lack	VERB
fsr-3483	149	37	a	a	DET
fsr-3483	149	38	high	high	ADJ
fsr-3483	149	39	school	school	NOUN
fsr-3483	149	40	degree	degree	NOUN
fsr-3483	149	41	,	,	PUNCT
fsr-3483	149	42	41	41	NUM
fsr-3483	149	43	%	%	NOUN
fsr-3483	149	44	.	.	PUNCT
fsr-3483	150	1	the	the	DET
fsr-3483	150	2	median	median	ADJ
fsr-3483	150	3	ratio	ratio	NOUN
fsr-3483	150	4	for	for	ADP
fsr-3483	150	5	renters	renter	NOUN
fsr-3483	150	6	who	who	PRON
fsr-3483	150	7	got	get	VERB
fsr-3483	150	8	all	all	DET
fsr-3483	150	9	three	three	NUM
fsr-3483	150	10	financial	financial	ADJ
fsr-3483	150	11	knowledge	knowledge	NOUN
fsr-3483	150	12	questions	question	NOUN
fsr-3483	150	13	correct	correct	ADJ
fsr-3483	150	14	was	be	AUX
fsr-3483	150	15	31	31	NUM
fsr-3483	150	16	%	%	NOUN
fsr-3483	150	17	,	,	PUNCT
fsr-3483	150	18	compared	compare	VERB
fsr-3483	150	19	with	with	ADP
fsr-3483	150	20	40	40	NUM
fsr-3483	150	21	%	%	NOUN
fsr-3483	150	22	for	for	ADP
fsr-3483	150	23	those	those	PRON
fsr-3483	150	24	who	who	PRON
fsr-3483	150	25	got	get	VERB
fsr-3483	150	26	all	all	DET
fsr-3483	150	27	the	the	DET
fsr-3483	150	28	questions	question	NOUN
fsr-3483	150	29	wrong	wrong	ADJ
fsr-3483	150	30	.	.	PUNCT
fsr-3483	151	1	we	we	PRON
fsr-3483	151	2	do	do	AUX
fsr-3483	151	3	not	not	PART
fsr-3483	151	4	discuss	discuss	VERB
fsr-3483	151	5	all	all	DET
fsr-3483	151	6	the	the	DET
fsr-3483	151	7	patterns	pattern	NOUN
fsr-3483	151	8	that	that	PRON
fsr-3483	151	9	did	do	AUX
fsr-3483	151	10	not	not	PART
fsr-3483	151	11	show	show	VERB
fsr-3483	151	12	substantial	substantial	ADJ
fsr-3483	151	13	differences	difference	NOUN
fsr-3483	151	14	in	in	ADP
fsr-3483	151	15	median	median	ADJ
fsr-3483	151	16	values	value	NOUN
fsr-3483	151	17	of	of	ADP
fsr-3483	151	18	the	the	DET
fsr-3483	151	19	ratio	ratio	NOUN
fsr-3483	151	20	by	by	ADP
fsr-3483	151	21	subgroups	subgroup	NOUN
fsr-3483	151	22	,	,	PUNCT
fsr-3483	151	23	but	but	CCONJ
fsr-3483	151	24	the	the	DET
fsr-3483	151	25	median	median	ADJ
fsr-3483	151	26	ratio	ratio	NOUN
fsr-3483	151	27	decreased	decrease	VERB
fsr-3483	151	28	substantially	substantially	ADV
fsr-3483	151	29	as	as	SCONJ
fsr-3483	151	30	income	income	NOUN
fsr-3483	151	31	increased	increase	VERB
fsr-3483	151	32	.	.	PUNCT
fsr-3483	152	1	table	table	NOUN
fsr-3483	152	2	2	2	NUM
fsr-3483	152	3	distribution	distribution	NOUN
fsr-3483	152	4	of	of	ADP
fsr-3483	152	5	median	median	ADJ
fsr-3483	152	6	financial	financial	ADJ
fsr-3483	152	7	obligations	obligation	NOUN
fsr-3483	152	8	ratio	ratio	NOUN
fsr-3483	152	9	by	by	ADP
fsr-3483	152	10	racial	racial	ADJ
fsr-3483	152	11	/	/	SYM
fsr-3483	152	12	ethnic	ethnic	ADJ
fsr-3483	152	13	category	category	NOUN
fsr-3483	152	14	,	,	PUNCT
fsr-3483	152	15	2016	2016	NUM
fsr-3483	152	16	scf	scf	PROPN
fsr-3483	152	17	characteristics	characteristic	NOUN
fsr-3483	152	18	distribution	distribution	NOUN
fsr-3483	152	19	of	of	ADP
fsr-3483	152	20	renters	renter	NOUN
fsr-3483	152	21	(	(	PUNCT
fsr-3483	152	22	%	%	INTJ
fsr-3483	152	23	)	)	PUNCT
fsr-3483	152	24	median	median	NOUN
fsr-3483	152	25	of	of	ADP
fsr-3483	152	26	the	the	DET
fsr-3483	152	27	financial	financial	ADJ
fsr-3483	152	28	obligations	obligation	NOUN
fsr-3483	152	29	ratio	ratio	NOUN
fsr-3483	152	30	(	(	PUNCT
fsr-3483	152	31	%	%	INTJ
fsr-3483	152	32	)	)	PUNCT
fsr-3483	152	33	racial	racial	ADJ
fsr-3483	152	34	/	/	SYM
fsr-3483	152	35	ethnic	ethnic	ADJ
fsr-3483	152	36	identification	identification	NOUN
fsr-3483	152	37	white	white	VERB
fsr-3483	152	38	52.62	52.62	NUM
fsr-3483	152	39	31.39	31.39	NUM
fsr-3483	152	40	black	black	ADJ
fsr-3483	152	41	24.43	24.43	NUM
fsr-3483	152	42	36.65	36.65	NUM
fsr-3483	152	43	hispanic	hispanic	ADJ
fsr-3483	152	44	17.07	17.07	NUM
fsr-3483	152	45	38.57	38.57	NUM
fsr-3483	152	46	asian	asian	ADJ
fsr-3483	152	47	/	/	SYM
fsr-3483	152	48	other	other	ADJ
fsr-3483	152	49	5.88	5.88	NUM
fsr-3483	152	50	36.18	36.18	NUM
fsr-3483	152	51	note	note	NOUN
fsr-3483	152	52	:	:	PUNCT
fsr-3483	152	53	scf	scf	PROPN
fsr-3483	153	1	=	=	NOUN
fsr-3483	153	2	survey	survey	NOUN
fsr-3483	153	3	of	of	ADP
fsr-3483	153	4	consumer	consumer	NOUN
fsr-3483	153	5	finance	finance	NOUN
fsr-3483	153	6	.	.	PUNCT
fsr-3483	154	1	weighted	weight	VERB
fsr-3483	154	2	analyses	analysis	NOUN
fsr-3483	154	3	of	of	ADP
fsr-3483	154	4	2016	2016	NUM
fsr-3483	154	5	scf	scf	PROPN
fsr-3483	154	6	.	.	PUNCT
fsr-3483	155	1	c.	c.	PROPN
fsr-3483	155	2	ouyang	ouyang	PROPN
fsr-3483	155	3	and	and	CCONJ
fsr-3483	155	4	s.	s.	PROPN
fsr-3483	155	5	d.	d.	PROPN
fsr-3483	155	6	hanna	hanna	PROPN
fsr-3483	155	7	/	/	SYM
fsr-3483	155	8	financial	financial	ADJ
fsr-3483	155	9	services	service	NOUN
fsr-3483	155	10	review	review	VERB
fsr-3483	155	11	30	30	NUM
fsr-3483	155	12	(	(	PUNCT
fsr-3483	155	13	2022	2022	NUM
fsr-3483	155	14	)	)	PUNCT
fsr-3483	156	1	165–177	165–177	NUM
fsr-3483	156	2	173	173	NUM
fsr-3483	156	3	5.2	5.2	NUM
fsr-3483	156	4	.	.	PUNCT
fsr-3483	157	1	ols	ol	NOUN
fsr-3483	157	2	regression	regression	NOUN
fsr-3483	157	3	results	result	NOUN
fsr-3483	157	4	on	on	ADP
fsr-3483	157	5	log	log	NOUN
fsr-3483	157	6	of	of	ADP
fsr-3483	157	7	ratios	ratio	NOUN
fsr-3483	157	8	for	for	ADP
fsr-3483	157	9	renters	renter	NOUN
fsr-3483	157	10	the	the	DET
fsr-3483	157	11	ols	ol	NOUN
fsr-3483	157	12	regression	regression	NOUN
fsr-3483	157	13	on	on	ADP
fsr-3483	157	14	the	the	DET
fsr-3483	157	15	log	log	NOUN
fsr-3483	157	16	of	of	ADP
fsr-3483	157	17	financial	financial	ADJ
fsr-3483	157	18	obligations	obligation	NOUN
fsr-3483	157	19	ratio	ratio	NOUN
fsr-3483	157	20	for	for	ADP
fsr-3483	157	21	renters	renter	NOUN
fsr-3483	157	22	is	be	AUX
fsr-3483	157	23	displayed	display	VERB
fsr-3483	157	24	in	in	ADP
fsr-3483	157	25	table	table	NOUN
fsr-3483	157	26	3	3	NUM
fsr-3483	157	27	.	.	X
fsr-3483	158	1	for	for	ADP
fsr-3483	158	2	dummy	dummy	ADJ
fsr-3483	158	3	variables	variable	NOUN
fsr-3483	158	4	,	,	PUNCT
fsr-3483	158	5	the	the	DET
fsr-3483	158	6	percentage	percentage	NOUN
fsr-3483	158	7	effect	effect	NOUN
fsr-3483	158	8	on	on	ADP
fsr-3483	158	9	the	the	DET
fsr-3483	158	10	actual	actual	ADJ
fsr-3483	158	11	ratio	ratio	NOUN
fsr-3483	158	12	can	can	AUX
fsr-3483	158	13	be	be	AUX
fsr-3483	158	14	computed	compute	VERB
fsr-3483	158	15	as	as	ADP
fsr-3483	158	16	exp(coefficient)-1	exp(coefficient)-1	VERB
fsr-3483	158	17	.	.	PUNCT
fsr-3483	159	1	all	all	DET
fsr-3483	159	2	three	three	NUM
fsr-3483	159	3	racial	racial	ADJ
fsr-3483	159	4	/	/	SYM
fsr-3483	159	5	ethnic	ethnic	ADJ
fsr-3483	159	6	identity	identity	NOUN
fsr-3483	159	7	variables	variable	NOUN
fsr-3483	159	8	had	have	VERB
fsr-3483	159	9	significant	significant	ADJ
fsr-3483	159	10	positive	positive	ADJ
fsr-3483	159	11	effects	effect	NOUN
fsr-3483	159	12	,	,	PUNCT
fsr-3483	159	13	with	with	ADP
fsr-3483	159	14	estimated	estimate	VERB
fsr-3483	159	15	effects	effect	NOUN
fsr-3483	159	16	of	of	ADP
fsr-3483	159	17	10	10	NUM
fsr-3483	159	18	percentage	percentage	NOUN
fsr-3483	159	19	points	point	NOUN
fsr-3483	159	20	for	for	ADP
fsr-3483	159	21	black	black	ADJ
fsr-3483	159	22	,	,	PUNCT
fsr-3483	159	23	26	26	NUM
fsr-3483	159	24	percentage	percentage	NOUN
fsr-3483	159	25	points	point	NOUN
fsr-3483	159	26	for	for	ADP
fsr-3483	159	27	hispanic	hispanic	ADJ
fsr-3483	159	28	,	,	PUNCT
fsr-3483	159	29	table	table	NOUN
fsr-3483	159	30	3	3	NUM
fsr-3483	159	31	ols	ol	NOUN
fsr-3483	159	32	regressions	regression	NOUN
fsr-3483	159	33	on	on	ADP
fsr-3483	159	34	log	log	NOUN
fsr-3483	159	35	of	of	ADP
fsr-3483	159	36	financial	financial	ADJ
fsr-3483	159	37	obligations	obligation	NOUN
fsr-3483	159	38	ratio	ratio	NOUN
fsr-3483	159	39	for	for	ADP
fsr-3483	159	40	renters	renter	NOUN
fsr-3483	159	41	,	,	PUNCT
fsr-3483	159	42	2016	2016	NUM
fsr-3483	159	43	scf	scf	PROPN
fsr-3483	159	44	renter	renter	NOUN
fsr-3483	159	45	households	household	NOUN
fsr-3483	159	46	variable	variable	ADJ
fsr-3483	159	47	coefficient	coefficient	NOUN
fsr-3483	159	48	p	p	X
fsr-3483	159	49	se	se	X
fsr-3483	159	50	racial	racial	ADJ
fsr-3483	159	51	/	/	SYM
fsr-3483	159	52	ethnic	ethnic	ADJ
fsr-3483	159	53	identification	identification	NOUN
fsr-3483	159	54	of	of	ADP
fsr-3483	159	55	the	the	DET
fsr-3483	159	56	respondent	respondent	NOUN
fsr-3483	159	57	(	(	PUNCT
fsr-3483	159	58	reference	reference	NOUN
fsr-3483	159	59	=	=	SYM
fsr-3483	159	60	white	white	ADJ
fsr-3483	159	61	)	)	PUNCT
fsr-3483	159	62	black	black	ADJ
fsr-3483	159	63	0.0994	0.0994	NUM
fsr-3483	159	64	0.0285	0.0285	NUM
fsr-3483	159	65	0.0449	0.0449	NUM
fsr-3483	159	66	hispanic	hispanic	NOUN
fsr-3483	159	67	0.2283	0.2283	NUM
fsr-3483	159	68	0.0000	0.0000	NUM
fsr-3483	159	69	0.0518	0.0518	NUM
fsr-3483	159	70	asian	asian	ADJ
fsr-3483	159	71	/	/	SYM
fsr-3483	159	72	other	other	ADJ
fsr-3483	159	73	0.1513	0.1513	NUM
fsr-3483	159	74	0.0471	0.0471	NUM
fsr-3483	159	75	0.0751	0.0751	NUM
fsr-3483	159	76	log	log	NOUN
fsr-3483	159	77	(	(	PUNCT
fsr-3483	159	78	income	income	NOUN
fsr-3483	159	79	)	)	PUNCT
fsr-3483	159	80	�	�	PROPN
fsr-3483	159	81	0.4826	0.4826	NUM
fsr-3483	159	82	0.0000	0.0000	NUM
fsr-3483	159	83	0.0149	0.0149	NUM
fsr-3483	159	84	age	age	NOUN
fsr-3483	159	85	of	of	ADP
fsr-3483	159	86	respondent	respondent	NOUN
fsr-3483	159	87	�	�	NOUN
fsr-3483	159	88	0.0041	0.0041	NUM
fsr-3483	159	89	0.5115	0.5115	NUM
fsr-3483	159	90	0.0062	0.0062	NUM
fsr-3483	159	91	age	age	NOUN
fsr-3483	159	92	squared/10,000	squared/10,000	PROPN
fsr-3483	159	93	0.4083	0.4083	NUM
fsr-3483	159	94	0.5286	0.5286	NUM
fsr-3483	159	95	0.6372	0.6372	NUM
fsr-3483	159	96	planning	planning	NOUN
fsr-3483	159	97	horizon	horizon	NOUN
fsr-3483	159	98	(	(	PUNCT
fsr-3483	159	99	years	year	NOUN
fsr-3483	159	100	)	)	PUNCT
fsr-3483	159	101	�	�	PROPN
fsr-3483	159	102	0.0020	0.0020	NUM
fsr-3483	159	103	0.6522	0.6522	NUM
fsr-3483	159	104	0.0045	0.0045	NUM
fsr-3483	159	105	financial	financial	ADJ
fsr-3483	159	106	literacy	literacy	NOUN
fsr-3483	159	107	score	score	NOUN
fsr-3483	159	108	(	(	PUNCT
fsr-3483	159	109	0–3	0–3	NOUN
fsr-3483	159	110	)	)	PUNCT
fsr-3483	159	111	�	�	PROPN
fsr-3483	160	1	0.0010	0.0010	NUM
fsr-3483	160	2	0.9621	0.9621	NUM
fsr-3483	160	3	0.0205	0.0205	NUM
fsr-3483	160	4	have	have	VERB
fsr-3483	160	5	education	education	NOUN
fsr-3483	160	6	loan	loan	NOUN
fsr-3483	160	7	0.0762	0.0762	NUM
fsr-3483	160	8	0.0831	0.0831	NUM
fsr-3483	160	9	0.0433	0.0433	NUM
fsr-3483	160	10	credit	credit	NOUN
fsr-3483	160	11	constrained	constrain	VERB
fsr-3483	160	12	0.1460	0.1460	NUM
fsr-3483	160	13	0.0012	0.0012	NUM
fsr-3483	160	14	0.0439	0.0439	NUM
fsr-3483	160	15	have	have	VERB
fsr-3483	160	16	alimony	alimony	NOUN
fsr-3483	160	17	or	or	CCONJ
fsr-3483	160	18	child	child	NOUN
fsr-3483	160	19	support	support	NOUN
fsr-3483	160	20	payments	payment	NOUN
fsr-3483	160	21	0.4297	0.4297	NUM
fsr-3483	160	22	0.0000	0.0000	NUM
fsr-3483	160	23	0.0732	0.0732	NUM
fsr-3483	160	24	have	have	VERB
fsr-3483	160	25	a	a	DET
fsr-3483	160	26	child	child	NOUN
fsr-3483	160	27	under	under	ADP
fsr-3483	160	28	18	18	NUM
fsr-3483	160	29	0.0631	0.0631	NUM
fsr-3483	160	30	0.1483	0.1483	NUM
fsr-3483	160	31	0.0433	0.0433	NUM
fsr-3483	160	32	risk	risk	NOUN
fsr-3483	160	33	tolerance	tolerance	NOUN
fsr-3483	160	34	(	(	PUNCT
fsr-3483	160	35	0–10	0–10	NOUN
fsr-3483	160	36	scale	scale	NOUN
fsr-3483	160	37	)	)	PUNCT
fsr-3483	160	38	�	�	PROPN
fsr-3483	160	39	0.0012	0.0012	NUM
fsr-3483	160	40	0.8569	0.8569	NUM
fsr-3483	160	41	0.0065	0.0065	NUM
fsr-3483	160	42	employment	employment	NOUN
fsr-3483	160	43	status	status	NOUN
fsr-3483	160	44	(	(	PUNCT
fsr-3483	160	45	reference	reference	NOUN
fsr-3483	160	46	=	=	SYM
fsr-3483	160	47	employee	employee	NOUN
fsr-3483	160	48	)	)	PUNCT
fsr-3483	160	49	self	self	NOUN
fsr-3483	160	50	-	-	PUNCT
fsr-3483	160	51	employed	employ	VERB
fsr-3483	160	52	�	�	NOUN
fsr-3483	160	53	0.0371	0.0371	NUM
fsr-3483	160	54	0.5201	0.5201	NUM
fsr-3483	160	55	0.0574	0.0574	NUM
fsr-3483	160	56	not	not	PART
fsr-3483	160	57	in	in	ADP
fsr-3483	160	58	labor	labor	NOUN
fsr-3483	160	59	force	force	NOUN
fsr-3483	160	60	�	�	NOUN
fsr-3483	160	61	0.0533	0.0533	NUM
fsr-3483	160	62	0.4059	0.4059	NUM
fsr-3483	160	63	0.0635	0.0635	NUM
fsr-3483	160	64	retired	retire	VERB
fsr-3483	160	65	�	�	PROPN
fsr-3483	160	66	0.1382	0.1382	NUM
fsr-3483	160	67	0.0255	0.0255	NUM
fsr-3483	160	68	0.0616	0.0616	NUM
fsr-3483	160	69	expectation	expectation	NOUN
fsr-3483	160	70	for	for	ADP
fsr-3483	160	71	the	the	DET
fsr-3483	160	72	economy	economy	NOUN
fsr-3483	160	73	(	(	PUNCT
fsr-3483	160	74	reference	reference	NOUN
fsr-3483	160	75	=	=	SYM
fsr-3483	160	76	same	same	ADJ
fsr-3483	160	77	)	)	PUNCT
fsr-3483	160	78	expect	expect	VERB
fsr-3483	160	79	better	well	ADJ
fsr-3483	160	80	0.0439	0.0439	PRON
fsr-3483	160	81	0.2768	0.2768	NUM
fsr-3483	160	82	0.0402	0.0402	NUM
fsr-3483	160	83	expect	expect	VERB
fsr-3483	160	84	worse	bad	ADJ
fsr-3483	160	85	�	�	NOUN
fsr-3483	160	86	0.0326	0.0326	NUM
fsr-3483	160	87	0.4784	0.4784	NUM
fsr-3483	160	88	0.0455	0.0455	NUM
fsr-3483	160	89	respondent	respondent	NOUN
fsr-3483	160	90	education	education	NOUN
fsr-3483	160	91	(	(	PUNCT
fsr-3483	160	92	reference	reference	NOUN
fsr-3483	160	93	=	=	SYM
fsr-3483	160	94	high	high	ADJ
fsr-3483	160	95	school	school	NOUN
fsr-3483	160	96	degree	degree	NOUN
fsr-3483	160	97	)	)	PUNCT
fsr-3483	160	98	education	education	NOUN
fsr-3483	160	99	<	<	X
fsr-3483	160	100	high	high	ADJ
fsr-3483	160	101	school	school	NOUN
fsr-3483	160	102	degree	degree	NOUN
fsr-3483	160	103	0.0572	0.0572	NUM
fsr-3483	160	104	0.3551	0.3551	NUM
fsr-3483	160	105	0.0617	0.0617	NUM
fsr-3483	160	106	some	some	DET
fsr-3483	160	107	college	college	NOUN
fsr-3483	160	108	0.1680	0.1680	NUM
fsr-3483	160	109	0.0004	0.0004	NUM
fsr-3483	160	110	0.0470	0.0470	NUM
fsr-3483	160	111	bachelor	bachelor	NOUN
fsr-3483	160	112	’s	’s	PART
fsr-3483	160	113	degree	degree	NOUN
fsr-3483	160	114	0.2603	0.2603	NUM
fsr-3483	160	115	0.0000	0.0000	NUM
fsr-3483	160	116	0.0580	0.0580	NUM
fsr-3483	160	117	post	post	ADJ
fsr-3483	160	118	-	-	ADJ
fsr-3483	160	119	bachelor	bachelor	ADJ
fsr-3483	160	120	’s	’s	NOUN
fsr-3483	160	121	degree	degree	NOUN
fsr-3483	160	122	0.2730	0.2730	NUM
fsr-3483	160	123	0.0003	0.0003	NUM
fsr-3483	160	124	0.0738	0.0738	NUM
fsr-3483	160	125	household	household	NOUN
fsr-3483	160	126	composition	composition	NOUN
fsr-3483	160	127	(	(	PUNCT
fsr-3483	160	128	reference	reference	NOUN
fsr-3483	160	129	=	=	SYM
fsr-3483	160	130	married	married	ADJ
fsr-3483	160	131	couple	couple	NOUN
fsr-3483	160	132	)	)	PUNCT
fsr-3483	160	133	single	single	ADJ
fsr-3483	160	134	male	male	NOUN
fsr-3483	160	135	�	�	PROPN
fsr-3483	160	136	0.2102	0.2102	NUM
fsr-3483	160	137	0.0004	0.0004	NUM
fsr-3483	160	138	0.0584	0.0584	NUM
fsr-3483	160	139	single	single	ADJ
fsr-3483	160	140	female	female	ADJ
fsr-3483	160	141	�	�	NOUN
fsr-3483	160	142	0.1030	0.1030	NUM
fsr-3483	160	143	0.0532	0.0532	NUM
fsr-3483	160	144	0.0526	0.0526	NUM
fsr-3483	160	145	unmarried	unmarried	ADJ
fsr-3483	160	146	couple	couple	NOUN
fsr-3483	160	147	�	�	PROPN
fsr-3483	160	148	0.0065	0.0065	NUM
fsr-3483	160	149	0.9133	0.9133	NUM
fsr-3483	160	150	0.0594	0.0594	NUM
fsr-3483	160	151	poor	poor	ADJ
fsr-3483	160	152	or	or	CCONJ
fsr-3483	160	153	fair	fair	ADJ
fsr-3483	160	154	health	health	NOUN
fsr-3483	160	155	�	�	PROPN
fsr-3483	160	156	0.0754	0.0754	NUM
fsr-3483	160	157	0.0687	0.0687	NUM
fsr-3483	160	158	0.0404	0.0404	NUM
fsr-3483	160	159	expectation	expectation	NOUN
fsr-3483	160	160	for	for	ADP
fsr-3483	160	161	household	household	NOUN
fsr-3483	160	162	income	income	NOUN
fsr-3483	160	163	(	(	PUNCT
fsr-3483	160	164	reference	reference	NOUN
fsr-3483	160	165	=	=	SYM
fsr-3483	160	166	increase	increase	VERB
fsr-3483	160	167	faster	fast	ADV
fsr-3483	160	168	than	than	ADP
fsr-3483	160	169	prices	price	NOUN
fsr-3483	160	170	)	)	PUNCT
fsr-3483	160	171	sure	sure	ADJ
fsr-3483	160	172	same	same	ADJ
fsr-3483	160	173	�	�	PROPN
fsr-3483	160	174	0.0334	0.0334	NUM
fsr-3483	160	175	0.5569	0.5569	NUM
fsr-3483	160	176	0.0566	0.0566	NUM
fsr-3483	160	177	sure	sure	ADJ
fsr-3483	160	178	less	less	ADJ
fsr-3483	160	179	�	�	SYM
fsr-3483	160	180	0.0566	0.0566	NUM
fsr-3483	160	181	0.4235	0.4235	NUM
fsr-3483	160	182	0.0692	0.0692	NUM
fsr-3483	160	183	unsure	unsure	ADJ
fsr-3483	160	184	�	�	NOUN
fsr-3483	160	185	0.0403	0.0403	NUM
fsr-3483	160	186	0.4604	0.4604	NUM
fsr-3483	160	187	0.0538	0.0538	NUM
fsr-3483	160	188	income	income	NOUN
fsr-3483	160	189	compared	compare	VERB
fsr-3483	160	190	with	with	ADP
fsr-3483	160	191	a	a	DET
fsr-3483	160	192	normal	normal	ADJ
fsr-3483	160	193	year	year	NOUN
fsr-3483	160	194	(	(	PUNCT
fsr-3483	160	195	reference	reference	NOUN
fsr-3483	160	196	=	=	PUNCT
fsr-3483	160	197	about	about	ADP
fsr-3483	160	198	the	the	DET
fsr-3483	160	199	same	same	ADJ
fsr-3483	160	200	)	)	PUNCT
fsr-3483	160	201	higher	high	ADJ
fsr-3483	160	202	than	than	ADP
fsr-3483	160	203	normal	normal	ADJ
fsr-3483	160	204	�	�	NOUN
fsr-3483	160	205	0.1219	0.1219	NUM
fsr-3483	160	206	0.0554	0.0554	NUM
fsr-3483	160	207	0.0630	0.0630	NUM
fsr-3483	160	208	lower	low	ADJ
fsr-3483	160	209	than	than	ADP
fsr-3483	160	210	normal	normal	ADJ
fsr-3483	160	211	0.1160	0.1160	NUM
fsr-3483	160	212	0.0118	0.0118	NUM
fsr-3483	160	213	0.0456	0.0456	NUM
fsr-3483	160	214	intercept	intercept	NOUN
fsr-3483	160	215	3.8216	3.8216	NUM
fsr-3483	160	216	<	<	NOUN
fsr-3483	160	217	0.0000	0.0000	NUM
fsr-3483	160	218	0.2166	0.2166	NUM
fsr-3483	160	219	note	note	NOUN
fsr-3483	160	220	:	:	PUNCT
fsr-3483	161	1	scf	scf	PROPN
fsr-3483	162	1	=	=	NOUN
fsr-3483	163	1	survey	survey	NOUN
fsr-3483	163	2	of	of	ADP
fsr-3483	163	3	consumer	consumer	NOUN
fsr-3483	163	4	finance	finance	NOUN
fsr-3483	163	5	;	;	PUNCT
fsr-3483	163	6	ols	ol	NOUN
fsr-3483	163	7	=	=	PUNCT
fsr-3483	163	8	ordinary	ordinary	ADJ
fsr-3483	163	9	least	least	ADJ
fsr-3483	163	10	squares	square	NOUN
fsr-3483	163	11	.	.	PUNCT
fsr-3483	164	1	rii	rii	NOUN
fsr-3483	164	2	procedures	procedure	NOUN
fsr-3483	164	3	,	,	PUNCT
fsr-3483	164	4	unweighted	unweighte	VERB
fsr-3483	164	5	analyses	analysis	NOUN
fsr-3483	164	6	,	,	PUNCT
fsr-3483	164	7	2016	2016	NUM
fsr-3483	164	8	scf	scf	PROPN
fsr-3483	164	9	.	.	PUNCT
fsr-3483	165	1	significant	significant	ADJ
fsr-3483	165	2	p	p	NOUN
fsr-3483	165	3	-	-	PUNCT
fsr-3483	165	4	values	value	NOUN
fsr-3483	165	5	are	be	AUX
fsr-3483	165	6	given	give	VERB
fsr-3483	165	7	in	in	ADP
fsr-3483	165	8	bold	bold	ADJ
fsr-3483	165	9	emphasis	emphasis	NOUN
fsr-3483	165	10	to	to	PART
fsr-3483	165	11	indicate	indicate	VERB
fsr-3483	165	12	significant	significant	ADJ
fsr-3483	165	13	results	result	NOUN
fsr-3483	165	14	from	from	ADP
fsr-3483	165	15	analysis	analysis	NOUN
fsr-3483	165	16	.	.	PUNCT
fsr-3483	166	1	174	174	NUM
fsr-3483	166	2	c.	c.	PROPN
fsr-3483	166	3	ouyang	ouyang	PROPN
fsr-3483	166	4	and	and	CCONJ
fsr-3483	166	5	s.	s.	PROPN
fsr-3483	166	6	d.	d.	PROPN
fsr-3483	166	7	hanna	hanna	PROPN
fsr-3483	166	8	/	/	SYM
fsr-3483	166	9	financial	financial	ADJ
fsr-3483	166	10	services	service	NOUN
fsr-3483	166	11	review	review	VERB
fsr-3483	166	12	30	30	NUM
fsr-3483	166	13	(	(	PUNCT
fsr-3483	166	14	2022	2022	NUM
fsr-3483	166	15	)	)	PUNCT
fsr-3483	166	16	165–177	165–177	NUM
fsr-3483	166	17	and	and	CCONJ
fsr-3483	166	18	16	16	NUM
fsr-3483	166	19	percentage	percentage	NOUN
fsr-3483	166	20	points	point	NOUN
fsr-3483	166	21	for	for	ADP
fsr-3483	166	22	asian	asian	ADJ
fsr-3483	166	23	/	/	SYM
fsr-3483	166	24	other	other	ADJ
fsr-3483	166	25	(	(	PUNCT
fsr-3483	166	26	table	table	NOUN
fsr-3483	166	27	4	4	NUM
fsr-3483	166	28	)	)	PUNCT
fsr-3483	166	29	.	.	PUNCT
fsr-3483	167	1	the	the	DET
fsr-3483	167	2	effect	effect	NOUN
fsr-3483	167	3	of	of	ADP
fsr-3483	167	4	the	the	DET
fsr-3483	167	5	log	log	NOUN
fsr-3483	167	6	of	of	ADP
fsr-3483	167	7	income	income	NOUN
fsr-3483	167	8	was	be	AUX
fsr-3483	167	9	negative	negative	ADJ
fsr-3483	167	10	and	and	CCONJ
fsr-3483	167	11	implies	imply	VERB
fsr-3483	167	12	a	a	DET
fsr-3483	167	13	large	large	ADJ
fsr-3483	167	14	negative	negative	ADJ
fsr-3483	167	15	decrease	decrease	NOUN
fsr-3483	167	16	in	in	ADP
fsr-3483	167	17	the	the	DET
fsr-3483	167	18	financial	financial	ADJ
fsr-3483	167	19	obligations	obligation	NOUN
fsr-3483	167	20	ratio	ratio	NOUN
fsr-3483	167	21	as	as	ADP
fsr-3483	167	22	income	income	NOUN
fsr-3483	167	23	increases	increase	NOUN
fsr-3483	167	24	.	.	PUNCT
fsr-3483	168	1	age	age	NOUN
fsr-3483	168	2	,	,	PUNCT
fsr-3483	168	3	planning	planning	NOUN
fsr-3483	168	4	horizon	horizon	NOUN
fsr-3483	168	5	,	,	PUNCT
fsr-3483	168	6	risk	risk	NOUN
fsr-3483	168	7	tolerance	tolerance	NOUN
fsr-3483	168	8	,	,	PUNCT
fsr-3483	168	9	financial	financial	ADJ
fsr-3483	168	10	literacy	literacy	NOUN
fsr-3483	168	11	,	,	PUNCT
fsr-3483	168	12	expectations	expectation	NOUN
fsr-3483	168	13	for	for	ADP
fsr-3483	168	14	the	the	DET
fsr-3483	168	15	economy	economy	NOUN
fsr-3483	168	16	,	,	PUNCT
fsr-3483	168	17	expectations	expectation	NOUN
fsr-3483	168	18	for	for	ADP
fsr-3483	168	19	the	the	DET
fsr-3483	168	20	household	household	NOUN
fsr-3483	168	21	’s	’s	PART
fsr-3483	168	22	income	income	NOUN
fsr-3483	168	23	,	,	PUNCT
fsr-3483	168	24	and	and	CCONJ
fsr-3483	168	25	health	health	NOUN
fsr-3483	168	26	did	do	AUX
fsr-3483	168	27	not	not	PART
fsr-3483	168	28	have	have	VERB
fsr-3483	168	29	significant	significant	ADJ
fsr-3483	168	30	effects	effect	NOUN
fsr-3483	168	31	.	.	PUNCT
fsr-3483	169	1	the	the	DET
fsr-3483	169	2	effect	effect	NOUN
fsr-3483	169	3	of	of	ADP
fsr-3483	169	4	the	the	DET
fsr-3483	169	5	dummy	dummy	ADJ
fsr-3483	169	6	variable	variable	NOUN
fsr-3483	169	7	for	for	ADP
fsr-3483	169	8	having	have	VERB
fsr-3483	169	9	an	an	DET
fsr-3483	169	10	education	education	NOUN
fsr-3483	169	11	loan	loan	NOUN
fsr-3483	169	12	was	be	AUX
fsr-3483	169	13	marginally	marginally	ADV
fsr-3483	169	14	significant	significant	ADJ
fsr-3483	169	15	(	(	PUNCT
fsr-3483	169	16	two	two	NUM
fsr-3483	169	17	-	-	PUNCT
fsr-3483	169	18	tail	tail	NOUN
fsr-3483	169	19	p	p	NOUN
fsr-3483	169	20	value	value	NOUN
fsr-3483	169	21	of	of	ADP
fsr-3483	169	22	0.08	0.08	NUM
fsr-3483	169	23	)	)	PUNCT
fsr-3483	169	24	.	.	PUNCT
fsr-3483	170	1	the	the	DET
fsr-3483	170	2	dummy	dummy	ADJ
fsr-3483	170	3	variables	variable	NOUN
fsr-3483	170	4	for	for	ADP
fsr-3483	170	5	being	be	AUX
fsr-3483	170	6	credit	credit	NOUN
fsr-3483	170	7	constrained	constrain	VERB
fsr-3483	170	8	,	,	PUNCT
fsr-3483	170	9	for	for	ADP
fsr-3483	170	10	having	have	VERB
fsr-3483	170	11	alimony	alimony	NOUN
fsr-3483	170	12	or	or	CCONJ
fsr-3483	170	13	child	child	NOUN
fsr-3483	170	14	support	support	NOUN
fsr-3483	170	15	payments	payment	NOUN
fsr-3483	170	16	had	have	VERB
fsr-3483	170	17	significant	significant	ADJ
fsr-3483	170	18	positive	positive	ADJ
fsr-3483	170	19	effects	effect	NOUN
fsr-3483	170	20	.	.	PUNCT
fsr-3483	171	1	the	the	DET
fsr-3483	171	2	retired	retire	VERB
fsr-3483	171	3	variable	variable	NOUN
fsr-3483	171	4	had	have	VERB
fsr-3483	171	5	a	a	DET
fsr-3483	171	6	significant	significant	ADJ
fsr-3483	171	7	negative	negative	ADJ
fsr-3483	171	8	effect	effect	NOUN
fsr-3483	171	9	compared	compare	VERB
fsr-3483	171	10	with	with	ADP
fsr-3483	171	11	an	an	DET
fsr-3483	171	12	employee	employee	NOUN
fsr-3483	171	13	household	household	NOUN
fsr-3483	171	14	.	.	PUNCT
fsr-3483	172	1	three	three	NUM
fsr-3483	172	2	of	of	ADP
fsr-3483	172	3	the	the	DET
fsr-3483	172	4	education	education	NOUN
fsr-3483	172	5	variables	variable	NOUN
fsr-3483	172	6	were	be	AUX
fsr-3483	172	7	significant	significant	ADJ
fsr-3483	172	8	.	.	PUNCT
fsr-3483	173	1	the	the	DET
fsr-3483	173	2	results	result	NOUN
fsr-3483	173	3	implied	imply	VERB
fsr-3483	173	4	that	that	SCONJ
fsr-3483	173	5	the	the	DET
fsr-3483	173	6	ratio	ratio	NOUN
fsr-3483	173	7	increased	increase	VERB
fsr-3483	173	8	with	with	ADP
fsr-3483	173	9	education	education	NOUN
fsr-3483	173	10	.	.	PUNCT
fsr-3483	174	1	6	6	X
fsr-3483	174	2	.	.	X
fsr-3483	174	3	discussion	discussion	NOUN
fsr-3483	174	4	and	and	CCONJ
fsr-3483	174	5	conclusions	conclusion	NOUN
fsr-3483	174	6	for	for	ADP
fsr-3483	174	7	renters	renter	NOUN
fsr-3483	174	8	,	,	PUNCT
fsr-3483	174	9	based	base	VERB
fsr-3483	174	10	on	on	ADP
fsr-3483	174	11	the	the	DET
fsr-3483	174	12	ols	ol	NOUN
fsr-3483	174	13	regression	regression	NOUN
fsr-3483	174	14	,	,	PUNCT
fsr-3483	174	15	black	black	ADJ
fsr-3483	174	16	,	,	PUNCT
fsr-3483	174	17	hispanic	hispanic	ADJ
fsr-3483	174	18	,	,	PUNCT
fsr-3483	174	19	and	and	CCONJ
fsr-3483	174	20	asian	asian	ADJ
fsr-3483	174	21	renter	renter	NOUN
fsr-3483	174	22	households	household	NOUN
fsr-3483	174	23	had	have	VERB
fsr-3483	174	24	higher	high	ADJ
fsr-3483	174	25	financial	financial	ADJ
fsr-3483	174	26	obligations	obligation	NOUN
fsr-3483	174	27	ratios	ratio	NOUN
fsr-3483	174	28	than	than	ADP
fsr-3483	174	29	otherwise	otherwise	ADV
fsr-3483	174	30	similar	similar	ADJ
fsr-3483	174	31	white	white	ADJ
fsr-3483	174	32	renter	renter	NOUN
fsr-3483	174	33	households	household	NOUN
fsr-3483	174	34	.	.	PUNCT
fsr-3483	175	1	the	the	DET
fsr-3483	175	2	positive	positive	ADJ
fsr-3483	175	3	effects	effect	NOUN
fsr-3483	175	4	of	of	ADP
fsr-3483	175	5	being	be	AUX
fsr-3483	175	6	credit	credit	NOUN
fsr-3483	175	7	constrained	constrain	VERB
fsr-3483	175	8	for	for	ADP
fsr-3483	175	9	renters	renter	NOUN
fsr-3483	175	10	suggested	suggest	VERB
fsr-3483	175	11	that	that	SCONJ
fsr-3483	175	12	credit	credit	NOUN
fsr-3483	175	13	constrained	constrain	VERB
fsr-3483	175	14	households	household	NOUN
fsr-3483	175	15	already	already	ADV
fsr-3483	175	16	had	have	VERB
fsr-3483	175	17	high	high	ADJ
fsr-3483	175	18	financial	financial	ADJ
fsr-3483	175	19	obligations	obligation	NOUN
fsr-3483	175	20	,	,	PUNCT
fsr-3483	175	21	rather	rather	ADV
fsr-3483	175	22	than	than	SCONJ
fsr-3483	175	23	having	having	AUX
fsr-3483	175	24	been	be	AUX
fsr-3483	175	25	arbitrarily	arbitrarily	ADV
fsr-3483	175	26	denied	deny	VERB
fsr-3483	175	27	credit	credit	NOUN
fsr-3483	175	28	and	and	CCONJ
fsr-3483	175	29	other	other	ADJ
fsr-3483	175	30	opportunities	opportunity	NOUN
fsr-3483	175	31	such	such	ADJ
fsr-3483	175	32	as	as	ADP
fsr-3483	175	33	rental	rental	ADJ
fsr-3483	175	34	units	unit	NOUN
fsr-3483	175	35	.	.	PUNCT
fsr-3483	176	1	given	give	VERB
fsr-3483	176	2	that	that	SCONJ
fsr-3483	176	3	rent	rent	NOUN
fsr-3483	176	4	comprises	comprise	VERB
fsr-3483	176	5	70	70	NUM
fsr-3483	176	6	%	%	NOUN
fsr-3483	176	7	of	of	ADP
fsr-3483	176	8	the	the	DET
fsr-3483	176	9	financial	financial	ADJ
fsr-3483	176	10	obligations	obligation	NOUN
fsr-3483	176	11	of	of	ADP
fsr-3483	176	12	renters	renter	NOUN
fsr-3483	176	13	,	,	PUNCT
fsr-3483	176	14	if	if	SCONJ
fsr-3483	176	15	discrimination	discrimination	NOUN
fsr-3483	176	16	is	be	AUX
fsr-3483	176	17	important	important	ADJ
fsr-3483	176	18	in	in	ADP
fsr-3483	176	19	explaining	explain	VERB
fsr-3483	176	20	racial	racial	ADJ
fsr-3483	176	21	/	/	SYM
fsr-3483	176	22	ethnic	ethnic	ADJ
fsr-3483	176	23	differences	difference	NOUN
fsr-3483	176	24	in	in	ADP
fsr-3483	176	25	the	the	DET
fsr-3483	176	26	financial	financial	ADJ
fsr-3483	176	27	obligations	obligation	NOUN
fsr-3483	176	28	ratio	ratio	NOUN
fsr-3483	176	29	,	,	PUNCT
fsr-3483	176	30	landlords	landlord	NOUN
fsr-3483	176	31	might	might	AUX
fsr-3483	176	32	have	have	VERB
fsr-3483	176	33	a	a	DET
fsr-3483	176	34	more	more	ADV
fsr-3483	176	35	important	important	ADJ
fsr-3483	176	36	role	role	NOUN
fsr-3483	176	37	than	than	ADP
fsr-3483	176	38	lenders	lender	NOUN
fsr-3483	176	39	.	.	PUNCT
fsr-3483	177	1	rental	rental	ADJ
fsr-3483	177	2	discrimination	discrimination	NOUN
fsr-3483	177	3	may	may	AUX
fsr-3483	177	4	play	play	VERB
fsr-3483	177	5	a	a	DET
fsr-3483	177	6	role	role	NOUN
fsr-3483	177	7	in	in	ADP
fsr-3483	177	8	rental	rental	ADJ
fsr-3483	177	9	markets	market	NOUN
fsr-3483	177	10	.	.	PUNCT
fsr-3483	178	1	if	if	SCONJ
fsr-3483	178	2	landlords	landlord	NOUN
fsr-3483	178	3	deny	deny	VERB
fsr-3483	178	4	applications	application	NOUN
fsr-3483	178	5	,	,	PUNCT
fsr-3483	178	6	extend	extend	VERB
fsr-3483	178	7	security	security	NOUN
fsr-3483	178	8	deposit	deposit	NOUN
fsr-3483	178	9	,	,	PUNCT
fsr-3483	178	10	or	or	CCONJ
fsr-3483	178	11	charge	charge	VERB
fsr-3483	178	12	higher	high	ADJ
fsr-3483	178	13	rental	rental	ADJ
fsr-3483	178	14	rates	rate	NOUN
fsr-3483	178	15	,	,	PUNCT
fsr-3483	178	16	minority	minority	NOUN
fsr-3483	178	17	renter	renter	NOUN
fsr-3483	178	18	households	household	NOUN
fsr-3483	178	19	could	could	AUX
fsr-3483	178	20	obtain	obtain	VERB
fsr-3483	178	21	higher	high	ADJ
fsr-3483	178	22	financial	financial	ADJ
fsr-3483	178	23	obligations	obligation	NOUN
fsr-3483	178	24	than	than	ADP
fsr-3483	178	25	white	white	ADJ
fsr-3483	178	26	renter	renter	NOUN
fsr-3483	178	27	households	household	NOUN
fsr-3483	178	28	.	.	PUNCT
fsr-3483	179	1	the	the	DET
fsr-3483	179	2	result	result	NOUN
fsr-3483	179	3	that	that	SCONJ
fsr-3483	179	4	hispanic	hispanic	ADJ
fsr-3483	179	5	and	and	CCONJ
fsr-3483	179	6	asian	asian	ADJ
fsr-3483	179	7	households	household	NOUN
fsr-3483	179	8	have	have	AUX
fsr-3483	179	9	higher	high	ADJ
fsr-3483	179	10	ratios	ratio	NOUN
fsr-3483	179	11	than	than	SCONJ
fsr-3483	179	12	otherwise	otherwise	ADV
fsr-3483	179	13	similar	similar	ADJ
fsr-3483	179	14	black	black	ADJ
fsr-3483	179	15	households	household	NOUN
fsr-3483	179	16	(	(	PUNCT
fsr-3483	179	17	table	table	NOUN
fsr-3483	179	18	3	3	NUM
fsr-3483	179	19	)	)	PUNCT
fsr-3483	179	20	may	may	AUX
fsr-3483	179	21	be	be	AUX
fsr-3483	179	22	related	relate	VERB
fsr-3483	179	23	to	to	ADP
fsr-3483	179	24	the	the	DET
fsr-3483	179	25	high	high	ADJ
fsr-3483	179	26	proportion	proportion	NOUN
fsr-3483	179	27	of	of	ADP
fsr-3483	179	28	immigrants	immigrant	NOUN
fsr-3483	179	29	in	in	ADP
fsr-3483	179	30	the	the	DET
fsr-3483	179	31	first	first	ADJ
fsr-3483	179	32	two	two	NUM
fsr-3483	179	33	groups	group	NOUN
fsr-3483	179	34	,	,	PUNCT
fsr-3483	179	35	perhaps	perhaps	ADV
fsr-3483	179	36	leading	lead	VERB
fsr-3483	179	37	to	to	ADP
fsr-3483	179	38	less	less	ADJ
fsr-3483	179	39	familiarity	familiarity	NOUN
fsr-3483	179	40	with	with	ADP
fsr-3483	179	41	rental	rental	ADJ
fsr-3483	179	42	markets	market	NOUN
fsr-3483	179	43	and	and	CCONJ
fsr-3483	179	44	less	less	ADJ
fsr-3483	179	45	ability	ability	NOUN
fsr-3483	179	46	to	to	PART
fsr-3483	179	47	obtain	obtain	VERB
fsr-3483	179	48	more	more	ADJ
fsr-3483	179	49	affordable	affordable	ADJ
fsr-3483	179	50	housing	housing	NOUN
fsr-3483	179	51	.	.	PUNCT
fsr-3483	180	1	there	there	PRON
fsr-3483	180	2	might	might	AUX
fsr-3483	180	3	also	also	ADV
fsr-3483	180	4	be	be	AUX
fsr-3483	180	5	geographic	geographic	ADJ
fsr-3483	180	6	differences	difference	NOUN
fsr-3483	180	7	that	that	PRON
fsr-3483	180	8	we	we	PRON
fsr-3483	180	9	could	could	AUX
fsr-3483	180	10	not	not	PART
fsr-3483	180	11	control	control	VERB
fsr-3483	180	12	due	due	ADP
fsr-3483	180	13	to	to	ADP
fsr-3483	180	14	the	the	DET
fsr-3483	180	15	suppression	suppression	NOUN
fsr-3483	180	16	of	of	ADP
fsr-3483	180	17	geographic	geographic	ADJ
fsr-3483	180	18	information	information	NOUN
fsr-3483	180	19	in	in	ADP
fsr-3483	180	20	the	the	DET
fsr-3483	180	21	scf	scf	PROPN
fsr-3483	180	22	(	(	PUNCT
fsr-3483	180	23	hanna	hanna	PROPN
fsr-3483	180	24	et	et	PROPN
fsr-3483	180	25	al	al	PROPN
fsr-3483	180	26	.	.	PROPN
fsr-3483	180	27	,	,	PUNCT
fsr-3483	180	28	2012a	2012a	NUM
fsr-3483	180	29	)	)	PUNCT
fsr-3483	180	30	.	.	PUNCT
fsr-3483	181	1	while	while	SCONJ
fsr-3483	181	2	we	we	PRON
fsr-3483	181	3	did	do	AUX
fsr-3483	181	4	find	find	VERB
fsr-3483	181	5	racial	racial	ADJ
fsr-3483	181	6	/	/	SYM
fsr-3483	181	7	ethnic	ethnic	ADJ
fsr-3483	181	8	differences	difference	NOUN
fsr-3483	181	9	in	in	ADP
fsr-3483	181	10	the	the	DET
fsr-3483	181	11	financial	financial	ADJ
fsr-3483	181	12	obligations	obligation	NOUN
fsr-3483	181	13	of	of	ADP
fsr-3483	181	14	renters	renter	NOUN
fsr-3483	181	15	,	,	PUNCT
fsr-3483	181	16	it	it	PRON
fsr-3483	181	17	is	be	AUX
fsr-3483	181	18	not	not	PART
fsr-3483	181	19	clear	clear	ADJ
fsr-3483	181	20	whether	whether	SCONJ
fsr-3483	181	21	discrimination	discrimination	NOUN
fsr-3483	181	22	is	be	AUX
fsr-3483	181	23	the	the	DET
fsr-3483	181	24	cause	cause	NOUN
fsr-3483	181	25	of	of	ADP
fsr-3483	181	26	these	these	DET
fsr-3483	181	27	differences	difference	NOUN
fsr-3483	181	28	.	.	PUNCT
fsr-3483	182	1	further	further	ADJ
fsr-3483	182	2	research	research	NOUN
fsr-3483	182	3	is	be	AUX
fsr-3483	182	4	needed	need	VERB
fsr-3483	182	5	to	to	PART
fsr-3483	182	6	ascertain	ascertain	VERB
fsr-3483	182	7	causes	cause	NOUN
fsr-3483	182	8	of	of	ADP
fsr-3483	182	9	the	the	DET
fsr-3483	182	10	differences	difference	NOUN
fsr-3483	182	11	.	.	PUNCT
fsr-3483	183	1	table	table	NOUN
fsr-3483	183	2	4	4	NUM
fsr-3483	183	3	effects	effect	NOUN
fsr-3483	183	4	of	of	ADP
fsr-3483	183	5	racial	racial	ADJ
fsr-3483	183	6	/	/	SYM
fsr-3483	183	7	ethnic	ethnic	ADJ
fsr-3483	183	8	status	status	NOUN
fsr-3483	183	9	on	on	ADP
fsr-3483	183	10	financial	financial	ADJ
fsr-3483	183	11	obligations	obligation	NOUN
fsr-3483	183	12	ratio	ratio	NOUN
fsr-3483	183	13	for	for	ADP
fsr-3483	183	14	renters	renter	NOUN
fsr-3483	183	15	variable	variable	ADJ
fsr-3483	183	16	%	%	NOUN
fsr-3483	183	17	effect	effect	NOUN
fsr-3483	183	18	reference	reference	NOUN
fsr-3483	183	19	category	category	NOUN
fsr-3483	183	20	=	=	PUNCT
fsr-3483	183	21	white	white	ADJ
fsr-3483	183	22	black	black	ADJ
fsr-3483	183	23	10.45	10.45	NUM
fsr-3483	183	24	%	%	NOUN
fsr-3483	183	25	hispanic	hispanic	NOUN
fsr-3483	183	26	25.65	25.65	NUM
fsr-3483	183	27	%	%	NOUN
fsr-3483	183	28	asian	asian	ADJ
fsr-3483	183	29	/	/	SYM
fsr-3483	183	30	other	other	ADJ
fsr-3483	183	31	16.33	16.33	NUM
fsr-3483	183	32	%	%	NOUN
fsr-3483	183	33	note	note	NOUN
fsr-3483	183	34	:	:	PUNCT
fsr-3483	183	35	based	base	VERB
fsr-3483	183	36	on	on	ADP
fsr-3483	183	37	regression	regression	NOUN
fsr-3483	183	38	results	result	NOUN
fsr-3483	183	39	in	in	ADP
fsr-3483	183	40	table	table	NOUN
fsr-3483	183	41	3	3	NUM
fsr-3483	183	42	.	.	PUNCT
fsr-3483	183	43	effect	effect	NOUN
fsr-3483	183	44	=	=	PUNCT
fsr-3483	183	45	exp(coefficient)-1	exp(coefficient)-1	NOUN
fsr-3483	183	46	.	.	PUNCT
fsr-3483	184	1	c.	c.	PROPN
fsr-3483	184	2	ouyang	ouyang	PROPN
fsr-3483	184	3	and	and	CCONJ
fsr-3483	184	4	s.	s.	PROPN
fsr-3483	184	5	d.	d.	PROPN
fsr-3483	184	6	hanna	hanna	PROPN
fsr-3483	184	7	/	/	SYM
fsr-3483	184	8	financial	financial	ADJ
fsr-3483	184	9	services	service	NOUN
fsr-3483	184	10	review	review	VERB
fsr-3483	184	11	30	30	NUM
fsr-3483	184	12	(	(	PUNCT
fsr-3483	184	13	2022	2022	NUM
fsr-3483	184	14	)	)	PUNCT
fsr-3483	184	15	165–177	165–177	NUM
fsr-3483	184	16	175	175	NUM
fsr-3483	184	17	references	reference	NOUN
fsr-3483	184	18	andriotis	andriotis	PROPN
fsr-3483	184	19	,	,	PUNCT
fsr-3483	184	20	a.	a.	NOUN
fsr-3483	184	21	,	,	PUNCT
fsr-3483	184	22	brown	brown	PROPN
fsr-3483	184	23	,	,	PUNCT
fsr-3483	184	24	k.	k.	PROPN
fsr-3483	184	25	,	,	PUNCT
fsr-3483	184	26	&	&	CCONJ
fsr-3483	184	27	shifflett	shifflett	PROPN
fsr-3483	184	28	,	,	PUNCT
fsr-3483	184	29	s.	s.	PROPN
fsr-3483	184	30	(	(	PUNCT
fsr-3483	184	31	2019	2019	NUM
fsr-3483	184	32	,	,	PUNCT
fsr-3483	184	33	august	august	PROPN
fsr-3483	184	34	1	1	NUM
fsr-3483	184	35	)	)	PUNCT
fsr-3483	184	36	.	.	PUNCT
fsr-3483	185	1	families	family	NOUN
fsr-3483	185	2	go	go	VERB
fsr-3483	185	3	deep	deep	ADV
fsr-3483	185	4	in	in	ADP
fsr-3483	185	5	debt	debt	NOUN
fsr-3483	185	6	to	to	PART
fsr-3483	185	7	stay	stay	VERB
fsr-3483	185	8	in	in	ADP
fsr-3483	185	9	the	the	DET
fsr-3483	185	10	middle	middle	ADJ
fsr-3483	185	11	class	class	NOUN
fsr-3483	185	12	.	.	PUNCT
fsr-3483	186	1	wall	wall	PROPN
fsr-3483	186	2	street	street	PROPN
fsr-3483	186	3	journal	journal	PROPN
fsr-3483	186	4	.	.	PUNCT
fsr-3483	187	1	badger	badger	PROPN
fsr-3483	187	2	,	,	PUNCT
fsr-3483	187	3	e.	e.	PROPN
fsr-3483	187	4	,	,	PUNCT
fsr-3483	187	5	&	&	CCONJ
fsr-3483	187	6	bui	bui	PROPN
fsr-3483	187	7	,	,	PUNCT
fsr-3483	187	8	q.	q.	PROPN
fsr-3483	187	9	(	(	PUNCT
fsr-3483	187	10	2018	2018	NUM
fsr-3483	187	11	,	,	PUNCT
fsr-3483	187	12	april	april	PROPN
fsr-3483	187	13	8)	8)	NUM
fsr-3483	187	14	.	.	PUNCT
fsr-3483	188	1	in	in	ADP
fsr-3483	188	2	83	83	NUM
fsr-3483	188	3	million	million	NUM
fsr-3483	188	4	eviction	eviction	NOUN
fsr-3483	188	5	records	record	NOUN
fsr-3483	188	6	,	,	PUNCT
fsr-3483	188	7	a	a	DET
fsr-3483	188	8	sweeping	sweeping	ADJ
fsr-3483	188	9	and	and	CCONJ
fsr-3483	188	10	intimate	intimate	ADJ
fsr-3483	188	11	new	new	ADJ
fsr-3483	188	12	look	look	NOUN
fsr-3483	188	13	at	at	ADP
fsr-3483	188	14	housing	housing	NOUN
fsr-3483	188	15	in	in	ADP
fsr-3483	188	16	america	america	PROPN
fsr-3483	188	17	.	.	PUNCT
fsr-3483	189	1	new	new	PROPN
fsr-3483	189	2	york	york	PROPN
fsr-3483	189	3	times	times	PROPN
fsr-3483	189	4	.	.	PUNCT
fsr-3483	190	1	bae	bae	PROPN
fsr-3483	190	2	,	,	PUNCT
fsr-3483	190	3	m.	m.	NOUN
fsr-3483	190	4	,	,	PUNCT
fsr-3483	190	5	hanna	hanna	PROPN
fsr-3483	190	6	,	,	PUNCT
fsr-3483	190	7	s.	s.	PROPN
fsr-3483	190	8	,	,	PUNCT
fsr-3483	190	9	&	&	CCONJ
fsr-3483	190	10	lindamood	lindamood	PROPN
fsr-3483	190	11	,	,	PUNCT
fsr-3483	190	12	s.	s.	PROPN
fsr-3483	190	13	(	(	PUNCT
fsr-3483	190	14	1993	1993	NUM
fsr-3483	190	15	)	)	PUNCT
fsr-3483	190	16	.	.	PUNCT
fsr-3483	191	1	patterns	pattern	NOUN
fsr-3483	191	2	of	of	ADP
fsr-3483	191	3	overspending	overspending	NOUN
fsr-3483	191	4	in	in	ADP
fsr-3483	191	5	u.s	u.s	PROPN
fsr-3483	191	6	.	.	PROPN
fsr-3483	191	7	households	household	NOUN
fsr-3483	191	8	.	.	PUNCT
fsr-3483	192	1	financial	financial	ADJ
fsr-3483	192	2	counseling	counseling	NOUN
fsr-3483	192	3	and	and	CCONJ
fsr-3483	192	4	planning	planning	NOUN
fsr-3483	192	5	,	,	PUNCT
fsr-3483	192	6	4	4	NUM
fsr-3483	192	7	,	,	PUNCT
fsr-3483	192	8	11–30	11–30	NUM
fsr-3483	192	9	.	.	PUNCT
fsr-3483	193	1	baek	baek	PROPN
fsr-3483	193	2	,	,	PUNCT
fsr-3483	193	3	h.	h.	PROPN
fsr-3483	193	4	y.	y.	PROPN
fsr-3483	193	5	,	,	PUNCT
fsr-3483	193	6	&	&	CCONJ
fsr-3483	193	7	cho	cho	PROPN
fsr-3483	193	8	,	,	PUNCT
fsr-3483	193	9	d.	d.	PROPN
fsr-3483	193	10	d.	d.	PROPN
fsr-3483	193	11	(	(	PUNCT
fsr-3483	193	12	2021	2021	NUM
fsr-3483	193	13	)	)	PUNCT
fsr-3483	193	14	.	.	PUNCT
fsr-3483	194	1	are	be	AUX
fsr-3483	194	2	there	there	PRON
fsr-3483	194	3	racial	racial	ADJ
fsr-3483	194	4	differences	difference	NOUN
fsr-3483	194	5	in	in	ADP
fsr-3483	194	6	loan	loan	NOUN
fsr-3483	194	7	approvals	approval	NOUN
fsr-3483	194	8	?	?	PUNCT
fsr-3483	195	1	applied	apply	VERB
fsr-3483	195	2	economics	economic	NOUN
fsr-3483	195	3	letters	letter	NOUN
fsr-3483	195	4	,	,	PUNCT
fsr-3483	195	5	28(4	28(4	NUM
fsr-3483	195	6	)	)	PUNCT
fsr-3483	195	7	,	,	PUNCT
fsr-3483	195	8	260–263	260–263	NUM
fsr-3483	195	9	.	.	PUNCT
fsr-3483	196	1	https://doi.org/10.1080/13504851.2020.1751047	https://doi.org/10.1080/13504851.2020.1751047	ADJ
fsr-3483	196	2	bricker	bricker	NOUN
fsr-3483	196	3	,	,	PUNCT
fsr-3483	196	4	j.	j.	PROPN
fsr-3483	196	5	,	,	PUNCT
fsr-3483	196	6	dettling	dettling	NOUN
fsr-3483	196	7	,	,	PUNCT
fsr-3483	196	8	l.	l.	PROPN
fsr-3483	196	9	j.	j.	PROPN
fsr-3483	196	10	,	,	PUNCT
fsr-3483	196	11	henriques	henrique	NOUN
fsr-3483	196	12	,	,	PUNCT
fsr-3483	196	13	a.	a.	NOUN
fsr-3483	196	14	,	,	PUNCT
fsr-3483	196	15	hsu	hsu	PROPN
fsr-3483	196	16	,	,	PUNCT
fsr-3483	196	17	j.	j.	PROPN
fsr-3483	196	18	w.	w.	PROPN
fsr-3483	196	19	,	,	PUNCT
fsr-3483	196	20	jacobs	jacobs	PROPN
fsr-3483	196	21	,	,	PUNCT
fsr-3483	196	22	l.	l.	PROPN
fsr-3483	196	23	,	,	PUNCT
fsr-3483	196	24	moore	moore	PROPN
fsr-3483	196	25	,	,	PUNCT
fsr-3483	196	26	k.	k.	PROPN
fsr-3483	196	27	b.	b.	PROPN
fsr-3483	196	28	,	,	PUNCT
fsr-3483	196	29	.	.	PUNCT
fsr-3483	196	30	.	.	PUNCT
fsr-3483	197	1	.	.	PUNCT
fsr-3483	198	1	&	&	CCONJ
fsr-3483	198	2	windle	windle	PROPN
fsr-3483	198	3	,	,	PUNCT
fsr-3483	198	4	r.	r.	PROPN
fsr-3483	198	5	a.	a.	PROPN
fsr-3483	198	6	(	(	PUNCT
fsr-3483	198	7	2017	2017	NUM
fsr-3483	198	8	)	)	PUNCT
fsr-3483	198	9	.	.	PUNCT
fsr-3483	199	1	changes	change	NOUN
fsr-3483	199	2	in	in	ADP
fsr-3483	199	3	us	us	PROPN
fsr-3483	199	4	family	family	NOUN
fsr-3483	199	5	finances	finance	NOUN
fsr-3483	199	6	from	from	ADP
fsr-3483	199	7	2013	2013	NUM
fsr-3483	199	8	to	to	ADP
fsr-3483	199	9	2016	2016	NUM
fsr-3483	199	10	:	:	PUNCT
fsr-3483	199	11	evidence	evidence	NOUN
fsr-3483	199	12	from	from	ADP
fsr-3483	199	13	the	the	DET
fsr-3483	199	14	survey	survey	NOUN
fsr-3483	199	15	of	of	ADP
fsr-3483	199	16	consumer	consumer	NOUN
fsr-3483	199	17	finances	finance	NOUN
fsr-3483	199	18	.	.	PUNCT
fsr-3483	200	1	federal	federal	PROPN
fsr-3483	200	2	reserve	reserve	PROPN
fsr-3483	200	3	bulletin	bulletin	PROPN
fsr-3483	200	4	,	,	PUNCT
fsr-3483	200	5	103	103	NUM
fsr-3483	200	6	,	,	PUNCT
fsr-3483	200	7	1–42	1–42	PROPN
fsr-3483	200	8	.	.	PUNCT
fsr-3483	200	9	available	available	ADJ
fsr-3483	200	10	at	at	ADP
fsr-3483	200	11	:	:	PUNCT
fsr-3483	200	12	https://web.archive.org/web/20190428144503id_/https://www.federalreserve	https://web.archive.org/web/20190428144503id_/https://www.federalreserve	PROPN
fsr-3483	200	13	.	.	PUNCT
fsr-3483	201	1	gov	gov	NOUN
fsr-3483	201	2	/	/	SYM
fsr-3483	201	3	publications	publication	NOUN
fsr-3483	201	4	/	/	SYM
fsr-3483	201	5	files	file	NOUN
fsr-3483	201	6	/	/	SYM
fsr-3483	201	7	scf17.pdf	scf17.pdf	ADJ
fsr-3483	201	8	browning	browning	NOUN
fsr-3483	201	9	,	,	PUNCT
fsr-3483	201	10	m.	m.	NOUN
fsr-3483	201	11	,	,	PUNCT
fsr-3483	201	12	&	&	CCONJ
fsr-3483	201	13	crossley	crossley	PROPN
fsr-3483	201	14	,	,	PUNCT
fsr-3483	201	15	t.	t.	PROPN
fsr-3483	201	16	f.	f.	PROPN
fsr-3483	201	17	(	(	PUNCT
fsr-3483	201	18	2001	2001	NUM
fsr-3483	201	19	)	)	PUNCT
fsr-3483	201	20	.	.	PUNCT
fsr-3483	202	1	the	the	DET
fsr-3483	202	2	life	life	NOUN
fsr-3483	202	3	-	-	PUNCT
fsr-3483	202	4	cycle	cycle	NOUN
fsr-3483	202	5	model	model	NOUN
fsr-3483	202	6	of	of	ADP
fsr-3483	202	7	consumption	consumption	NOUN
fsr-3483	202	8	and	and	CCONJ
fsr-3483	202	9	saving	saving	NOUN
fsr-3483	202	10	.	.	PUNCT
fsr-3483	203	1	journal	journal	PROPN
fsr-3483	203	2	of	of	ADP
fsr-3483	203	3	economic	economic	ADJ
fsr-3483	203	4	perspectives	perspective	NOUN
fsr-3483	203	5	,	,	PUNCT
fsr-3483	203	6	15	15	NUM
fsr-3483	203	7	,	,	PUNCT
fsr-3483	203	8	3–22	3–22	NOUN
fsr-3483	203	9	.	.	PUNCT
fsr-3483	204	1	https://doi.org/10.1257/jep.15.3.3	https://doi.org/10.1257/jep.15.3.3	NOUN
fsr-3483	204	2	browning	browning	NOUN
fsr-3483	204	3	,	,	PUNCT
fsr-3483	204	4	m.	m.	NOUN
fsr-3483	204	5	,	,	PUNCT
fsr-3483	204	6	&	&	CCONJ
fsr-3483	204	7	lusardi	lusardi	PROPN
fsr-3483	204	8	,	,	PUNCT
fsr-3483	204	9	a.	a.	NOUN
fsr-3483	204	10	(	(	PUNCT
fsr-3483	204	11	1996	1996	NUM
fsr-3483	204	12	)	)	PUNCT
fsr-3483	204	13	.	.	PUNCT
fsr-3483	205	1	household	household	NOUN
fsr-3483	205	2	saving	saving	PROPN
fsr-3483	205	3	:	:	PUNCT
fsr-3483	205	4	micro	micro	ADJ
fsr-3483	205	5	theories	theory	NOUN
fsr-3483	205	6	and	and	CCONJ
fsr-3483	205	7	micro	micro	ADJ
fsr-3483	205	8	facts	fact	NOUN
fsr-3483	205	9	.	.	PUNCT
fsr-3483	206	1	journal	journal	NOUN
fsr-3483	206	2	of	of	ADP
fsr-3483	206	3	economic	economic	ADJ
fsr-3483	206	4	literature	literature	NOUN
fsr-3483	206	5	,	,	PUNCT
fsr-3483	206	6	34	34	NUM
fsr-3483	206	7	,	,	PUNCT
fsr-3483	206	8	1797–1855	1797–1855	NUM
fsr-3483	206	9	.	.	PUNCT
fsr-3483	207	1	campbell	campbell	PROPN
fsr-3483	207	2	,	,	PUNCT
fsr-3483	207	3	j.	j.	PROPN
fsr-3483	207	4	y.	y.	PROPN
fsr-3483	207	5	(	(	PUNCT
fsr-3483	207	6	2006	2006	NUM
fsr-3483	207	7	)	)	PUNCT
fsr-3483	207	8	.	.	PUNCT
fsr-3483	208	1	household	household	NOUN
fsr-3483	208	2	finance	finance	NOUN
fsr-3483	208	3	.	.	PUNCT
fsr-3483	209	1	the	the	DET
fsr-3483	209	2	journal	journal	PROPN
fsr-3483	209	3	of	of	ADP
fsr-3483	209	4	finance	finance	NOUN
fsr-3483	209	5	,	,	PUNCT
fsr-3483	209	6	61	61	NUM
fsr-3483	209	7	,	,	PUNCT
fsr-3483	209	8	1553–1604	1553–1604	NUM
fsr-3483	209	9	.	.	PUNCT
fsr-3483	210	1	https://doi.org/0.1111/	https://doi.org/0.1111/	PROPN
fsr-3483	210	2	j.1540	j.1540	PROPN
fsr-3483	210	3	-	-	PUNCT
fsr-3483	210	4	6261.2006.00883.x	6261.2006.00883.x	NUM
fsr-3483	210	5	canner	canner	NOUN
fsr-3483	210	6	,	,	PUNCT
fsr-3483	210	7	g.	g.	PROPN
fsr-3483	210	8	g.	g.	PROPN
fsr-3483	210	9	,	,	PUNCT
fsr-3483	210	10	&	&	CCONJ
fsr-3483	210	11	luckett	luckett	PROPN
fsr-3483	210	12	,	,	PUNCT
fsr-3483	210	13	c.	c.	PROPN
fsr-3483	210	14	a.	a.	PROPN
fsr-3483	210	15	(	(	PUNCT
fsr-3483	210	16	1991	1991	NUM
fsr-3483	210	17	)	)	PUNCT
fsr-3483	210	18	.	.	PUNCT
fsr-3483	211	1	payment	payment	NOUN
fsr-3483	211	2	of	of	ADP
fsr-3483	211	3	household	household	NOUN
fsr-3483	211	4	debt	debt	NOUN
fsr-3483	211	5	.	.	PUNCT
fsr-3483	212	1	federal	federal	PROPN
fsr-3483	212	2	reserve	reserve	PROPN
fsr-3483	212	3	bulletin	bulletin	PROPN
fsr-3483	212	4	.	.	PUNCT
fsr-3483	213	1	april	april	PROPN
fsr-3483	213	2	:	:	PUNCT
fsr-3483	214	1	19–30	19–30	X
fsr-3483	214	2	.	.	PUNCT
fsr-3483	214	3	available	available	ADJ
fsr-3483	214	4	at	at	ADP
fsr-3483	214	5	:	:	PUNCT
fsr-3483	214	6	https://fraser.stlouisfed.org/title/federal-reserve-bulletin-62/april-1991-20827/payment-householddebts-113310	https://fraser.stlouisfed.org/title/federal-reserve-bulletin-62/april-1991-20827/payment-householddebts-113310	PROPN
fsr-3483	214	7	carpusor	carpusor	NOUN
fsr-3483	214	8	,	,	PUNCT
fsr-3483	214	9	g.	g.	PROPN
fsr-3483	214	10	a.	a.	PROPN
fsr-3483	214	11	,	,	PUNCT
fsr-3483	214	12	&	&	CCONJ
fsr-3483	214	13	loges	loges	PROPN
fsr-3483	214	14	,	,	PUNCT
fsr-3483	214	15	e.	e.	PROPN
fsr-3483	214	16	w.	w.	PROPN
fsr-3483	214	17	(	(	PUNCT
fsr-3483	214	18	2006	2006	NUM
fsr-3483	214	19	)	)	PUNCT
fsr-3483	214	20	.	.	PUNCT
fsr-3483	215	1	rental	rental	ADJ
fsr-3483	215	2	discrimination	discrimination	NOUN
fsr-3483	215	3	and	and	CCONJ
fsr-3483	215	4	ethnicity	ethnicity	NOUN
fsr-3483	215	5	in	in	ADP
fsr-3483	215	6	names	name	NOUN
fsr-3483	215	7	.	.	PUNCT
fsr-3483	216	1	journal	journal	PROPN
fsr-3483	216	2	of	of	ADP
fsr-3483	216	3	applied	apply	VERB
fsr-3483	216	4	social	social	ADJ
fsr-3483	216	5	psychology	psychology	NOUN
fsr-3483	216	6	,	,	PUNCT
fsr-3483	216	7	36	36	NUM
fsr-3483	216	8	,	,	PUNCT
fsr-3483	216	9	934–952	934–952	NUM
fsr-3483	216	10	.	.	PUNCT
fsr-3483	217	1	https://doi.org/10.1111/j.0021-9029.2006.00050.x	https://doi.org/10.1111/j.0021-9029.2006.00050.x	PROPN
fsr-3483	217	2	chen	chen	PROPN
fsr-3483	217	3	,	,	PUNCT
fsr-3483	217	4	p.	p.	PROPN
fsr-3483	217	5	,	,	PUNCT
fsr-3483	217	6	&	&	CCONJ
fsr-3483	217	7	finke	finke	PROPN
fsr-3483	217	8	,	,	PUNCT
fsr-3483	217	9	m.	m.	NOUN
fsr-3483	217	10	(	(	PUNCT
fsr-3483	217	11	1996	1996	NUM
fsr-3483	217	12	)	)	PUNCT
fsr-3483	217	13	.	.	PUNCT
fsr-3483	218	1	negative	negative	ADJ
fsr-3483	218	2	net	net	ADJ
fsr-3483	218	3	worth	worth	NOUN
fsr-3483	218	4	and	and	CCONJ
fsr-3483	218	5	the	the	DET
fsr-3483	218	6	life	life	NOUN
fsr-3483	218	7	cycle	cycle	NOUN
fsr-3483	218	8	hypothesis	hypothesis	NOUN
fsr-3483	218	9	.	.	PUNCT
fsr-3483	219	1	financial	financial	ADJ
fsr-3483	219	2	counseling	counseling	NOUN
fsr-3483	219	3	and	and	CCONJ
fsr-3483	219	4	planning	planning	NOUN
fsr-3483	219	5	,	,	PUNCT
fsr-3483	219	6	7	7	NUM
fsr-3483	219	7	,	,	PUNCT
fsr-3483	219	8	87–96	87–96	NUM
fsr-3483	219	9	.	.	PUNCT
fsr-3483	220	1	deaton	deaton	PROPN
fsr-3483	220	2	,	,	PUNCT
fsr-3483	220	3	a.	a.	PROPN
fsr-3483	220	4	(	(	PUNCT
fsr-3483	220	5	2005	2005	NUM
fsr-3483	220	6	)	)	PUNCT
fsr-3483	220	7	.	.	PUNCT
fsr-3483	221	1	franco	franco	PROPN
fsr-3483	221	2	modigliani	modigliani	PROPN
fsr-3483	221	3	and	and	CCONJ
fsr-3483	221	4	the	the	DET
fsr-3483	221	5	life	life	NOUN
fsr-3483	221	6	cycle	cycle	NOUN
fsr-3483	221	7	theory	theory	NOUN
fsr-3483	221	8	of	of	ADP
fsr-3483	221	9	consumption	consumption	NOUN
fsr-3483	221	10	.	.	PUNCT
fsr-3483	222	1	ssrn	ssrn	PROPN
fsr-3483	222	2	working	work	VERB
fsr-3483	222	3	paper	paper	PROPN
fsr-3483	222	4	686475	686475	NUM
fsr-3483	222	5	.	.	PUNCT
fsr-3483	223	1	debelle	debelle	PROPN
fsr-3483	223	2	,	,	PUNCT
fsr-3483	223	3	g.	g.	PROPN
fsr-3483	223	4	(	(	PUNCT
fsr-3483	223	5	2004	2004	NUM
fsr-3483	223	6	)	)	PUNCT
fsr-3483	223	7	.	.	PUNCT
fsr-3483	224	1	macroeconomic	macroeconomic	ADJ
fsr-3483	224	2	implications	implication	NOUN
fsr-3483	224	3	of	of	ADP
fsr-3483	224	4	rising	rise	VERB
fsr-3483	224	5	household	household	NOUN
fsr-3483	224	6	debt	debt	NOUN
fsr-3483	224	7	.	.	PUNCT
fsr-3483	225	1	bis	bis	PROPN
fsr-3483	225	2	working	working	PROPN
fsr-3483	225	3	paper	paper	PROPN
fsr-3483	225	4	no	no	DET
fsr-3483	225	5	153	153	NUM
fsr-3483	225	6	.	.	PUNCT
fsr-3483	225	7	available	available	ADJ
fsr-3483	225	8	at	at	ADP
fsr-3483	225	9	ssrn	ssrn	PROPN
fsr-3483	225	10	:	:	PUNCT
fsr-3483	225	11	https://ssrn.com/abstract=786385	https://ssrn.com/abstract=786385	PROPN
fsr-3483	225	12	devaney	devaney	PROPN
fsr-3483	225	13	,	,	PUNCT
fsr-3483	225	14	s.	s.	PROPN
fsr-3483	225	15	a.	a.	PROPN
fsr-3483	225	16	(	(	PUNCT
fsr-3483	225	17	2000	2000	NUM
fsr-3483	225	18	)	)	PUNCT
fsr-3483	225	19	.	.	PUNCT
fsr-3483	226	1	using	use	VERB
fsr-3483	226	2	financial	financial	ADJ
fsr-3483	226	3	ratios	ratio	NOUN
fsr-3483	226	4	.	.	PUNCT
fsr-3483	227	1	in	in	ADP
fsr-3483	227	2	garmane	garmane	NOUN
fsr-3483	227	3	.	.	PUNCT
fsr-3483	228	1	t.xiaoj	t.xiaoj	PROPN
fsr-3483	228	2	.	.	PUNCT
fsr-3483	229	1	j.	j.	PROPN
fsr-3483	229	2	,	,	PUNCT
fsr-3483	229	3	&	&	CCONJ
fsr-3483	229	4	brunsonb	brunsonb	NOUN
fsr-3483	229	5	.	.	PUNCT
fsr-3483	230	1	(	(	PUNCT
fsr-3483	230	2	eds	ed	NOUN
fsr-3483	230	3	.	.	PUNCT
fsr-3483	230	4	)	)	PUNCT
fsr-3483	230	5	,	,	PUNCT
fsr-3483	230	6	the	the	DET
fsr-3483	230	7	mathematics	mathematic	NOUN
fsr-3483	230	8	of	of	ADP
fsr-3483	230	9	personal	personal	ADJ
fsr-3483	230	10	financial	financial	ADJ
fsr-3483	230	11	planning	planning	NOUN
fsr-3483	230	12	(	(	PUNCT
fsr-3483	230	13	pp	pp	ADJ
fsr-3483	230	14	.	.	PUNCT
fsr-3483	231	1	147–161	147–161	NUM
fsr-3483	231	2	)	)	PUNCT
fsr-3483	231	3	.	.	PUNCT
fsr-3483	232	1	houston	houston	PROPN
fsr-3483	232	2	,	,	PUNCT
fsr-3483	232	3	tx	tx	PROPN
fsr-3483	232	4	:	:	PUNCT
fsr-3483	232	5	thompson	thompson	PROPN
fsr-3483	232	6	international	international	ADJ
fsr-3483	232	7	learning	learning	NOUN
fsr-3483	232	8	.	.	PUNCT
fsr-3483	233	1	dynan	dynan	PROPN
fsr-3483	233	2	,	,	PUNCT
fsr-3483	233	3	k.	k.	PROPN
fsr-3483	233	4	,	,	PUNCT
fsr-3483	233	5	johnson	johnson	PROPN
fsr-3483	233	6	,	,	PUNCT
fsr-3483	233	7	k.	k.	PROPN
fsr-3483	233	8	,	,	PUNCT
fsr-3483	233	9	&	&	CCONJ
fsr-3483	233	10	pence	pence	PROPN
fsr-3483	233	11	,	,	PUNCT
fsr-3483	233	12	k	k	PROPN
fsr-3483	233	13	,	,	PUNCT
fsr-3483	233	14	&	&	CCONJ
fsr-3483	233	15	the	the	DET
fsr-3483	233	16	board	board	NOUN
fsr-3483	233	17	of	of	ADP
fsr-3483	233	18	governors	governor	NOUN
fsr-3483	233	19	of	of	ADP
fsr-3483	233	20	the	the	DET
fsr-3483	233	21	federal	federal	PROPN
fsr-3483	233	22	reserve	reserve	PROPN
fsr-3483	233	23	system	system	NOUN
fsr-3483	233	24	.	.	PUNCT
fsr-3483	234	1	(	(	PUNCT
fsr-3483	234	2	2003	2003	NUM
fsr-3483	234	3	)	)	PUNCT
fsr-3483	234	4	.	.	PUNCT
fsr-3483	235	1	recent	recent	ADJ
fsr-3483	235	2	changes	change	NOUN
fsr-3483	235	3	to	to	ADP
fsr-3483	235	4	a	a	DET
fsr-3483	235	5	measure	measure	NOUN
fsr-3483	235	6	of	of	ADP
fsr-3483	235	7	u.s	u.s	PROPN
fsr-3483	235	8	.	.	PROPN
fsr-3483	235	9	household	household	NOUN
fsr-3483	235	10	debt	debt	NOUN
fsr-3483	235	11	service	service	NOUN
fsr-3483	235	12	.	.	PUNCT
fsr-3483	236	1	federal	federal	PROPN
fsr-3483	236	2	reserve	reserve	PROPN
fsr-3483	236	3	bulletin	bulletin	PROPN
fsr-3483	236	4	,	,	PUNCT
fsr-3483	236	5	89	89	NUM
fsr-3483	236	6	,	,	PUNCT
fsr-3483	236	7	417–426	417–426	NUM
fsr-3483	236	8	.	.	PUNCT
fsr-3483	237	1	https://doi.org/	https://doi.org/	VERB
fsr-3483	237	2	10.17016	10.17016	NUM
fsr-3483	237	3	/	/	SYM
fsr-3483	237	4	bulletin.2003.89	bulletin.2003.89	NOUN
fsr-3483	237	5	-	-	PUNCT
fsr-3483	237	6	10	10	NUM
fsr-3483	237	7	dynan	dynan	NOUN
fsr-3483	237	8	,	,	PUNCT
fsr-3483	237	9	k.	k.	PROPN
fsr-3483	237	10	,	,	PUNCT
fsr-3483	237	11	&	&	CCONJ
fsr-3483	237	12	kohn	kohn	PROPN
fsr-3483	237	13	,	,	PUNCT
fsr-3483	237	14	l.	l.	PROPN
fsr-3483	237	15	d.	d.	PROPN
fsr-3483	237	16	(	(	PUNCT
fsr-3483	237	17	2006	2006	NUM
fsr-3483	237	18	)	)	PUNCT
fsr-3483	237	19	.	.	PUNCT
fsr-3483	238	1	the	the	DET
fsr-3483	238	2	rise	rise	NOUN
fsr-3483	238	3	in	in	ADP
fsr-3483	238	4	u.s	u.s	PROPN
fsr-3483	238	5	.	.	PROPN
fsr-3483	238	6	household	household	NOUN
fsr-3483	238	7	indebtedness	indebtedness	NOUN
fsr-3483	238	8	:	:	PUNCT
fsr-3483	238	9	causes	cause	NOUN
fsr-3483	238	10	and	and	CCONJ
fsr-3483	238	11	consequences	consequence	NOUN
fsr-3483	238	12	.	.	PUNCT
fsr-3483	239	1	feds	feds	PROPN
fsr-3483	239	2	working	working	PROPN
fsr-3483	239	3	paper	paper	NOUN
fsr-3483	239	4	2007	2007	NUM
fsr-3483	239	5	-	-	SYM
fsr-3483	239	6	37	37	NUM
fsr-3483	239	7	.	.	PUNCT
fsr-3483	239	8	available	available	ADJ
fsr-3483	239	9	at	at	ADP
fsr-3483	239	10	http://www.federalreserve.gov/pubs/feds/2007/200737/200737abs.html	http://www.federalreserve.gov/pubs/feds/2007/200737/200737abs.html	PROPN
fsr-3483	239	11	ewens	ewen	NOUN
fsr-3483	239	12	,	,	PUNCT
fsr-3483	239	13	m.	m.	NOUN
fsr-3483	239	14	,	,	PUNCT
fsr-3483	239	15	tomlin	tomlin	PROPN
fsr-3483	239	16	,	,	PUNCT
fsr-3483	239	17	b.	b.	PROPN
fsr-3483	239	18	,	,	PUNCT
fsr-3483	239	19	&	&	CCONJ
fsr-3483	239	20	wang	wang	PROPN
fsr-3483	239	21	,	,	PUNCT
fsr-3483	239	22	l.	l.	PROPN
fsr-3483	239	23	c.	c.	PROPN
fsr-3483	239	24	(	(	PUNCT
fsr-3483	239	25	2014	2014	NUM
fsr-3483	239	26	)	)	PUNCT
fsr-3483	239	27	.	.	PUNCT
fsr-3483	240	1	statistical	statistical	ADJ
fsr-3483	240	2	discrimination	discrimination	NOUN
fsr-3483	240	3	or	or	CCONJ
fsr-3483	240	4	prejudice	prejudice	NOUN
fsr-3483	240	5	?	?	PUNCT
fsr-3483	241	1	a	a	DET
fsr-3483	241	2	large	large	ADJ
fsr-3483	241	3	sample	sample	NOUN
fsr-3483	241	4	field	field	NOUN
fsr-3483	241	5	experiment	experiment	NOUN
fsr-3483	241	6	.	.	PUNCT
fsr-3483	242	1	the	the	DET
fsr-3483	242	2	review	review	NOUN
fsr-3483	242	3	of	of	ADP
fsr-3483	242	4	economics	economic	NOUN
fsr-3483	242	5	and	and	CCONJ
fsr-3483	242	6	statistics	statistic	NOUN
fsr-3483	242	7	,	,	PUNCT
fsr-3483	242	8	96	96	NUM
fsr-3483	242	9	,	,	PUNCT
fsr-3483	242	10	119–134	119–134	NUM
fsr-3483	242	11	.	.	PUNCT
fsr-3483	242	12	https://doi.org/10.1162/rest_a_00365	https://doi.org/10.1162/rest_a_00365	VERB
fsr-3483	242	13	fair	fair	ADJ
fsr-3483	242	14	housing	housing	PROPN
fsr-3483	242	15	act	act	NOUN
fsr-3483	242	16	of	of	ADP
fsr-3483	242	17	1988	1988	NUM
fsr-3483	242	18	,	,	PUNCT
fsr-3483	242	19	sec	sec	PROPN
fsr-3483	242	20	.	.	PROPN
fsr-3483	242	21	800	800	NUM
fsr-3483	242	22	.	.	PUNCT
fsr-3483	243	1	[	[	X
fsr-3483	243	2	42	42	NUM
fsr-3483	243	3	u.s.c	u.s.c	ADJ
fsr-3483	243	4	.	.	PUNCT
fsr-3483	244	1	3601	3601	NUM
fsr-3483	244	2	note	note	NOUN
fsr-3483	244	3	]	]	PUNCT
fsr-3483	244	4	.	.	PUNCT
fsr-3483	245	1	available	available	ADJ
fsr-3483	245	2	at	at	ADP
fsr-3483	245	3	https://www.justice.gov/crt/fair-housing-act-2	https://www.justice.gov/crt/fair-housing-act-2	PROPN
fsr-3483	245	4	flage	flage	NOUN
fsr-3483	245	5	,	,	PUNCT
fsr-3483	245	6	a.	a.	NOUN
fsr-3483	245	7	(	(	PUNCT
fsr-3483	245	8	2018	2018	NUM
fsr-3483	245	9	)	)	PUNCT
fsr-3483	245	10	.	.	PUNCT
fsr-3483	246	1	ethnic	ethnic	ADJ
fsr-3483	246	2	and	and	CCONJ
fsr-3483	246	3	gender	gender	NOUN
fsr-3483	246	4	discrimination	discrimination	NOUN
fsr-3483	246	5	in	in	ADP
fsr-3483	246	6	the	the	DET
fsr-3483	246	7	rental	rental	ADJ
fsr-3483	246	8	housing	housing	NOUN
fsr-3483	246	9	market	market	NOUN
fsr-3483	246	10	:	:	PUNCT
fsr-3483	246	11	evidence	evidence	NOUN
fsr-3483	246	12	from	from	ADP
fsr-3483	246	13	a	a	DET
fsr-3483	246	14	meta	meta	ADJ
fsr-3483	246	15	-	-	PUNCT
fsr-3483	246	16	analysis	analysis	NOUN
fsr-3483	246	17	of	of	ADP
fsr-3483	246	18	correspondence	correspondence	NOUN
fsr-3483	246	19	tests	test	NOUN
fsr-3483	246	20	,	,	PUNCT
fsr-3483	246	21	2006	2006	NUM
fsr-3483	246	22	-	-	SYM
fsr-3483	246	23	2017	2017	NUM
fsr-3483	246	24	.	.	PUNCT
fsr-3483	247	1	journal	journal	NOUN
fsr-3483	247	2	of	of	ADP
fsr-3483	247	3	housing	housing	NOUN
fsr-3483	247	4	economics	economic	NOUN
fsr-3483	247	5	,	,	PUNCT
fsr-3483	247	6	41	41	NUM
fsr-3483	247	7	,	,	PUNCT
fsr-3483	247	8	251–273	251–273	NUM
fsr-3483	247	9	.	.	PUNCT
fsr-3483	248	1	https://doi.org/10.1016/j	https://doi.org/10.1016/j	NOUN
fsr-3483	248	2	.	.	PUNCT
fsr-3483	249	1	jhe.2018.07.003	jhe.2018.07.003	PROPN
fsr-3483	249	2	garman	garman	PROPN
fsr-3483	249	3	,	,	PUNCT
fsr-3483	249	4	t.	t.	PROPN
fsr-3483	249	5	e.	e.	PROPN
fsr-3483	249	6	,	,	PUNCT
fsr-3483	249	7	&	&	CCONJ
fsr-3483	249	8	forgue	forgue	PROPN
fsr-3483	249	9	,	,	PUNCT
fsr-3483	249	10	r.	r.	PROPN
fsr-3483	249	11	e.	e.	PROPN
fsr-3483	249	12	(	(	PUNCT
fsr-3483	249	13	2015	2015	NUM
fsr-3483	249	14	)	)	PUNCT
fsr-3483	249	15	.	.	PUNCT
fsr-3483	250	1	personal	personal	ADJ
fsr-3483	250	2	finance	finance	NOUN
fsr-3483	250	3	(	(	PUNCT
fsr-3483	250	4	12th	12th	NOUN
fsr-3483	250	5	ed	ed	NOUN
fsr-3483	250	6	.	.	PUNCT
fsr-3483	250	7	)	)	PUNCT
fsr-3483	250	8	.	.	PUNCT
fsr-3483	251	1	boston	boston	PROPN
fsr-3483	251	2	,	,	PUNCT
fsr-3483	251	3	ma	ma	PROPN
fsr-3483	251	4	:	:	PUNCT
fsr-3483	251	5	houghton	houghton	PROPN
fsr-3483	251	6	mifflin	mifflin	PROPN
fsr-3483	251	7	company	company	PROPN
fsr-3483	251	8	.	.	PUNCT
fsr-3483	252	1	greenwood	greenwood	PROPN
fsr-3483	252	2	,	,	PUNCT
fsr-3483	252	3	l.	l.	PROPN
fsr-3483	252	4	j.	j.	PROPN
fsr-3483	252	5	(	(	PUNCT
fsr-3483	252	6	2012	2012	NUM
fsr-3483	252	7	)	)	PUNCT
fsr-3483	252	8	.	.	PUNCT
fsr-3483	253	1	parent	parent	NOUN
fsr-3483	253	2	-	-	PUNCT
fsr-3483	253	3	child	child	NOUN
fsr-3483	253	4	relationships	relationship	NOUN
fsr-3483	253	5	in	in	ADP
fsr-3483	253	6	the	the	DET
fsr-3483	253	7	context	context	NOUN
fsr-3483	253	8	of	of	ADP
fsr-3483	253	9	a	a	DET
fsr-3483	253	10	mid	mid	NOUN
fsr-3483	253	11	-	-	ADJ
fsr-3483	253	12	to	to	PART
fsr-3483	253	13	latelife	latelife	VERB
fsr-3483	253	14	parental	parental	ADJ
fsr-3483	253	15	divorce	divorce	NOUN
fsr-3483	253	16	.	.	PUNCT
fsr-3483	254	1	journal	journal	NOUN
fsr-3483	254	2	of	of	ADP
fsr-3483	254	3	divorce	divorce	NOUN
fsr-3483	254	4	&	&	CCONJ
fsr-3483	254	5	remarriage	remarriage	NOUN
fsr-3483	254	6	,	,	PUNCT
fsr-3483	254	7	53	53	NUM
fsr-3483	254	8	,	,	PUNCT
fsr-3483	254	9	1–17	1–17	PROPN
fsr-3483	254	10	.	.	PUNCT
fsr-3483	255	1	https://doi.org/10.1080/10502556.2012.635959	https://doi.org/10.1080/10502556.2012.635959	PROPN
fsr-3483	255	2	greninger	greninger	NOUN
fsr-3483	255	3	,	,	PUNCT
fsr-3483	255	4	s.	s.	PROPN
fsr-3483	255	5	a.	a.	PROPN
fsr-3483	255	6	,	,	PUNCT
fsr-3483	255	7	hampton	hampton	PROPN
fsr-3483	255	8	,	,	PUNCT
fsr-3483	255	9	v.	v.	PROPN
fsr-3483	255	10	l.	l.	PROPN
fsr-3483	255	11	,	,	PUNCT
fsr-3483	255	12	kitt	kitt	PROPN
fsr-3483	255	13	,	,	PUNCT
fsr-3483	255	14	k.	k.	PROPN
fsr-3483	255	15	k.	k.	PROPN
fsr-3483	255	16	,	,	PUNCT
fsr-3483	255	17	&	&	CCONJ
fsr-3483	255	18	achacoso	achacoso	PROPN
fsr-3483	255	19	,	,	PUNCT
fsr-3483	255	20	j.	j.	PROPN
fsr-3483	255	21	a.	a.	PROPN
fsr-3483	255	22	(	(	PUNCT
fsr-3483	255	23	1996	1996	NUM
fsr-3483	255	24	)	)	PUNCT
fsr-3483	255	25	.	.	PUNCT
fsr-3483	256	1	ratios	ratio	NOUN
fsr-3483	256	2	and	and	CCONJ
fsr-3483	256	3	benchmarks	benchmark	NOUN
fsr-3483	256	4	for	for	ADP
fsr-3483	256	5	measuring	measure	VERB
fsr-3483	256	6	the	the	DET
fsr-3483	256	7	financial	financial	ADJ
fsr-3483	256	8	well	well	NOUN
fsr-3483	256	9	-	-	PUNCT
fsr-3483	256	10	being	being	NOUN
fsr-3483	256	11	of	of	ADP
fsr-3483	256	12	families	family	NOUN
fsr-3483	256	13	and	and	CCONJ
fsr-3483	256	14	individuals	individual	NOUN
fsr-3483	256	15	.	.	PUNCT
fsr-3483	257	1	financial	financial	ADJ
fsr-3483	257	2	services	service	NOUN
fsr-3483	257	3	review	review	PROPN
fsr-3483	257	4	,	,	PUNCT
fsr-3483	257	5	5	5	NUM
fsr-3483	257	6	,	,	PUNCT
fsr-3483	257	7	57–70	57–70	NUM
fsr-3483	257	8	.	.	PUNCT
fsr-3483	258	1	https://doi.org/	https://doi.org/	VERB
fsr-3483	258	2	10.1016	10.1016	NUM
fsr-3483	258	3	/	/	SYM
fsr-3483	258	4	s1057	s1057	NOUN
fsr-3483	258	5	-	-	PUNCT
fsr-3483	258	6	0810(96)90027	0810(96)90027	NOUN
fsr-3483	258	7	-	-	PUNCT
fsr-3483	258	8	x	x	SYM
fsr-3483	258	9	griffith	griffith	PROPN
fsr-3483	258	10	,	,	PUNCT
fsr-3483	258	11	r.	r.	PROPN
fsr-3483	258	12	(	(	PUNCT
fsr-3483	258	13	1985	1985	NUM
fsr-3483	258	14	)	)	PUNCT
fsr-3483	258	15	.	.	PUNCT
fsr-3483	259	1	personal	personal	ADJ
fsr-3483	259	2	financial	financial	ADJ
fsr-3483	259	3	statement	statement	NOUN
fsr-3483	259	4	analysis	analysis	NOUN
fsr-3483	259	5	:	:	PUNCT
fsr-3483	259	6	a	a	DET
fsr-3483	259	7	modest	modest	ADJ
fsr-3483	259	8	beginning	beginning	NOUN
fsr-3483	259	9	.	.	PUNCT
fsr-3483	260	1	in	in	ADP
fsr-3483	260	2	g.	g.	PROPN
fsr-3483	260	3	langrehr	langrehr	NOUN
fsr-3483	260	4	(	(	PUNCT
fsr-3483	260	5	ed	ed	NOUN
fsr-3483	260	6	.	.	PUNCT
fsr-3483	260	7	)	)	PUNCT
fsr-3483	260	8	,	,	PUNCT
fsr-3483	260	9	proceedings	proceeding	NOUN
fsr-3483	260	10	,	,	PUNCT
fsr-3483	260	11	third	third	ADJ
fsr-3483	260	12	annual	annual	ADJ
fsr-3483	260	13	conference	conference	NOUN
fsr-3483	260	14	of	of	ADP
fsr-3483	260	15	the	the	DET
fsr-3483	260	16	association	association	NOUN
fsr-3483	260	17	of	of	ADP
fsr-3483	260	18	financial	financial	ADJ
fsr-3483	260	19	counseling	counseling	NOUN
fsr-3483	260	20	and	and	CCONJ
fsr-3483	260	21	planning	planning	NOUN
fsr-3483	260	22	educators	educator	NOUN
fsr-3483	260	23	(	(	PUNCT
fsr-3483	260	24	vol	vol	NOUN
fsr-3483	260	25	.	.	PROPN
fsr-3483	261	1	3	3	NUM
fsr-3483	261	2	,	,	PUNCT
fsr-3483	261	3	pp	pp	ADJ
fsr-3483	261	4	.	.	PUNCT
fsr-3483	262	1	123	123	NUM
fsr-3483	262	2	–	–	PUNCT
fsr-3483	262	3	131	131	NUM
fsr-3483	262	4	)	)	PUNCT
fsr-3483	262	5	.	.	PUNCT
fsr-3483	263	1	afcpe	afcpe	PROPN
fsr-3483	263	2	ames	ames	PROPN
fsr-3483	263	3	,	,	PUNCT
fsr-3483	263	4	ia	ia	PROPN
fsr-3483	263	5	.	.	PROPN
fsr-3483	263	6	176	176	NUM
fsr-3483	263	7	c.	c.	PROPN
fsr-3483	263	8	ouyang	ouyang	PROPN
fsr-3483	263	9	and	and	CCONJ
fsr-3483	263	10	s.	s.	PROPN
fsr-3483	263	11	d.	d.	PROPN
fsr-3483	263	12	hanna	hanna	PROPN
fsr-3483	263	13	/	/	SYM
fsr-3483	263	14	financial	financial	ADJ
fsr-3483	263	15	services	service	NOUN
fsr-3483	263	16	review	review	VERB
fsr-3483	263	17	30	30	NUM
fsr-3483	263	18	(	(	PUNCT
fsr-3483	263	19	2022	2022	NUM
fsr-3483	263	20	)	)	PUNCT
fsr-3483	263	21	165–177	165–177	NUM
fsr-3483	263	22	hanna	hanna	NOUN
fsr-3483	263	23	,	,	PUNCT
fsr-3483	263	24	s.	s.	PROPN
fsr-3483	263	25	d.	d.	PROPN
fsr-3483	263	26	,	,	PUNCT
fsr-3483	263	27	fan	fan	PROPN
fsr-3483	263	28	,	,	PUNCT
fsr-3483	263	29	j.	j.	PROPN
fsr-3483	263	30	x.	x.	PROPN
fsr-3483	263	31	,	,	PUNCT
fsr-3483	263	32	&	&	CCONJ
fsr-3483	263	33	chang	chang	PROPN
fsr-3483	263	34	,	,	PUNCT
fsr-3483	263	35	y.	y.	PROPN
fsr-3483	263	36	r.	r.	PROPN
fsr-3483	263	37	(	(	PUNCT
fsr-3483	263	38	1995	1995	NUM
fsr-3483	263	39	)	)	PUNCT
fsr-3483	263	40	.	.	PUNCT
fsr-3483	264	1	optimal	optimal	ADJ
fsr-3483	264	2	life	life	NOUN
fsr-3483	264	3	cycle	cycle	NOUN
fsr-3483	264	4	savings	saving	NOUN
fsr-3483	264	5	.	.	PUNCT
fsr-3483	265	1	financial	financial	ADJ
fsr-3483	265	2	counseling	counseling	NOUN
fsr-3483	265	3	and	and	CCONJ
fsr-3483	265	4	planning	planning	NOUN
fsr-3483	265	5	,	,	PUNCT
fsr-3483	265	6	6	6	NUM
fsr-3483	265	7	,	,	PUNCT
fsr-3483	265	8	1–15	1–15	NUM
fsr-3483	265	9	.	.	PUNCT
fsr-3483	265	10	hanna	hanna	PROPN
fsr-3483	265	11	,	,	PUNCT
fsr-3483	265	12	s.	s.	PROPN
fsr-3483	265	13	d.	d.	PROPN
fsr-3483	265	14	,	,	PUNCT
fsr-3483	265	15	kim	kim	PROPN
fsr-3483	265	16	,	,	PUNCT
fsr-3483	265	17	k.	k.	PROPN
fsr-3483	265	18	t.	t.	PROPN
fsr-3483	265	19	,	,	PUNCT
fsr-3483	265	20	&	&	CCONJ
fsr-3483	265	21	lindamood	lindamood	PROPN
fsr-3483	265	22	,	,	PUNCT
fsr-3483	265	23	s.	s.	PROPN
fsr-3483	265	24	(	(	PUNCT
fsr-3483	265	25	2018	2018	NUM
fsr-3483	265	26	)	)	PUNCT
fsr-3483	265	27	.	.	PUNCT
fsr-3483	266	1	behind	behind	ADP
fsr-3483	266	2	the	the	DET
fsr-3483	266	3	numbers	number	NOUN
fsr-3483	266	4	:	:	PUNCT
fsr-3483	266	5	understanding	understand	VERB
fsr-3483	266	6	the	the	DET
fsr-3483	266	7	survey	survey	NOUN
fsr-3483	266	8	of	of	ADP
fsr-3483	266	9	consumer	consumer	NOUN
fsr-3483	266	10	finances	finance	NOUN
fsr-3483	266	11	.	.	PUNCT
fsr-3483	267	1	journal	journal	NOUN
fsr-3483	267	2	of	of	ADP
fsr-3483	267	3	financial	financial	ADJ
fsr-3483	267	4	counseling	counseling	NOUN
fsr-3483	267	5	and	and	CCONJ
fsr-3483	267	6	planning	planning	NOUN
fsr-3483	267	7	,	,	PUNCT
fsr-3483	267	8	29	29	NUM
fsr-3483	267	9	,	,	PUNCT
fsr-3483	267	10	410–418	410–418	NUM
fsr-3483	267	11	.	.	PUNCT
fsr-3483	268	1	https://doi.org/10.1891/1052-3073.29.2.410	https://doi.org/10.1891/1052-3073.29.2.410	PROPN
fsr-3483	268	2	hanna	hanna	PROPN
fsr-3483	268	3	,	,	PUNCT
fsr-3483	268	4	s.	s.	PROPN
fsr-3483	268	5	d.	d.	PROPN
fsr-3483	268	6	,	,	PUNCT
fsr-3483	268	7	yuh	yuh	PROPN
fsr-3483	268	8	,	,	PUNCT
fsr-3483	268	9	y.	y.	PROPN
fsr-3483	268	10	,	,	PUNCT
fsr-3483	268	11	&	&	CCONJ
fsr-3483	268	12	chatterjee	chatterjee	PROPN
fsr-3483	268	13	,	,	PUNCT
fsr-3483	268	14	s.	s.	PROPN
fsr-3483	268	15	(	(	PUNCT
fsr-3483	268	16	2012a	2012a	NUM
fsr-3483	268	17	)	)	PUNCT
fsr-3483	268	18	.	.	PUNCT
fsr-3483	269	1	the	the	DET
fsr-3483	269	2	increasing	increase	VERB
fsr-3483	269	3	financial	financial	ADJ
fsr-3483	269	4	obligations	obligation	NOUN
fsr-3483	269	5	burden	burden	NOUN
fsr-3483	269	6	of	of	ADP
fsr-3483	269	7	u.s	u.s	PROPN
fsr-3483	269	8	.	.	PROPN
fsr-3483	269	9	households	household	NOUN
fsr-3483	269	10	:	:	PUNCT
fsr-3483	269	11	who	who	PRON
fsr-3483	269	12	is	be	AUX
fsr-3483	269	13	affected	affect	VERB
fsr-3483	269	14	?	?	PUNCT
fsr-3483	270	1	international	international	ADJ
fsr-3483	270	2	journal	journal	PROPN
fsr-3483	270	3	of	of	ADP
fsr-3483	270	4	consumer	consumer	NOUN
fsr-3483	270	5	studies	study	NOUN
fsr-3483	270	6	,	,	PUNCT
fsr-3483	270	7	36	36	NUM
fsr-3483	270	8	,	,	PUNCT
fsr-3483	270	9	588–594	588–594	NUM
fsr-3483	270	10	.	.	PUNCT
fsr-3483	271	1	https://doi.org/10.1111/j.14706431.2012.01125.x	https://doi.org/10.1111/j.14706431.2012.01125.x	PROPN
fsr-3483	271	2	hanna	hanna	PROPN
fsr-3483	271	3	,	,	PUNCT
fsr-3483	271	4	s.	s.	PROPN
fsr-3483	271	5	d.	d.	PROPN
fsr-3483	271	6	,	,	PUNCT
fsr-3483	271	7	yuh	yuh	PROPN
fsr-3483	271	8	,	,	PUNCT
fsr-3483	271	9	y.	y.	PROPN
fsr-3483	271	10	,	,	PUNCT
fsr-3483	271	11	&	&	CCONJ
fsr-3483	271	12	chatterjee	chatterjee	PROPN
fsr-3483	271	13	,	,	PUNCT
fsr-3483	271	14	s.	s.	PROPN
fsr-3483	271	15	(	(	PUNCT
fsr-3483	271	16	2012b	2012b	NUM
fsr-3483	271	17	)	)	PUNCT
fsr-3483	271	18	.	.	PUNCT
fsr-3483	271	19	were	be	AUX
fsr-3483	271	20	consumer	consumer	NOUN
fsr-3483	271	21	mistakes	mistake	NOUN
fsr-3483	271	22	related	relate	VERB
fsr-3483	271	23	to	to	ADP
fsr-3483	271	24	changes	change	NOUN
fsr-3483	271	25	in	in	ADP
fsr-3483	271	26	financial	financial	ADJ
fsr-3483	271	27	obligations	obligation	NOUN
fsr-3483	271	28	burdens	burden	NOUN
fsr-3483	271	29	?	?	PUNCT
fsr-3483	272	1	consumer	consumer	NOUN
fsr-3483	272	2	interests	interest	NOUN
fsr-3483	272	3	annual	annual	ADJ
fsr-3483	272	4	.	.	PUNCT
fsr-3483	273	1	hanson	hanson	PROPN
fsr-3483	273	2	,	,	PUNCT
fsr-3483	273	3	a.	a.	PROPN
fsr-3483	273	4	,	,	PUNCT
fsr-3483	273	5	&	&	CCONJ
fsr-3483	273	6	hawley	hawley	PROPN
fsr-3483	273	7	,	,	PUNCT
fsr-3483	273	8	z.	z.	PROPN
fsr-3483	273	9	(	(	PUNCT
fsr-3483	273	10	2011	2011	NUM
fsr-3483	273	11	)	)	PUNCT
fsr-3483	273	12	.	.	PUNCT
fsr-3483	274	1	do	do	AUX
fsr-3483	274	2	landlords	landlord	NOUN
fsr-3483	274	3	discriminate	discriminate	VERB
fsr-3483	274	4	in	in	ADP
fsr-3483	274	5	the	the	DET
fsr-3483	274	6	rental	rental	ADJ
fsr-3483	274	7	housing	housing	NOUN
fsr-3483	274	8	market	market	NOUN
fsr-3483	274	9	?	?	PUNCT
fsr-3483	275	1	evidence	evidence	NOUN
fsr-3483	275	2	from	from	ADP
fsr-3483	275	3	an	an	DET
fsr-3483	275	4	internet	internet	NOUN
fsr-3483	275	5	field	field	NOUN
fsr-3483	275	6	experiment	experiment	NOUN
fsr-3483	275	7	in	in	ADP
fsr-3483	275	8	u.s	u.s	PROPN
fsr-3483	275	9	.	.	PROPN
fsr-3483	275	10	cities	city	NOUN
fsr-3483	275	11	.	.	PUNCT
fsr-3483	276	1	journal	journal	PROPN
fsr-3483	276	2	of	of	ADP
fsr-3483	276	3	urban	urban	ADJ
fsr-3483	276	4	economics	economic	NOUN
fsr-3483	276	5	,	,	PUNCT
fsr-3483	276	6	70	70	NUM
fsr-3483	276	7	,	,	PUNCT
fsr-3483	276	8	99–114	99–114	NUM
fsr-3483	276	9	.	.	PUNCT
fsr-3483	277	1	https://doi.org/10.1016/j	https://doi.org/10.1016/j	NOUN
fsr-3483	277	2	.	.	PUNCT
fsr-3483	278	1	jue.2011.02.003	jue.2011.02.003	PROPN
fsr-3483	278	2	hubbard	hubbard	PROPN
fsr-3483	278	3	,	,	PUNCT
fsr-3483	278	4	r.	r.	PROPN
fsr-3483	278	5	g.	g.	PROPN
fsr-3483	278	6	,	,	PUNCT
fsr-3483	278	7	skinner	skinner	PROPN
fsr-3483	278	8	,	,	PUNCT
fsr-3483	278	9	j.	j.	PROPN
fsr-3483	278	10	,	,	PUNCT
fsr-3483	278	11	&	&	CCONJ
fsr-3483	278	12	zeldes	zelde	NOUN
fsr-3483	278	13	,	,	PUNCT
fsr-3483	278	14	p.	p.	PROPN
fsr-3483	278	15	s.	s.	PROPN
fsr-3483	278	16	(	(	PUNCT
fsr-3483	278	17	1995	1995	NUM
fsr-3483	278	18	)	)	PUNCT
fsr-3483	278	19	.	.	PUNCT
fsr-3483	279	1	precautionary	precautionary	ADJ
fsr-3483	279	2	saving	saving	NOUN
fsr-3483	279	3	and	and	CCONJ
fsr-3483	279	4	social	social	ADJ
fsr-3483	279	5	insurance	insurance	NOUN
fsr-3483	279	6	.	.	PUNCT
fsr-3483	280	1	journal	journal	NOUN
fsr-3483	280	2	of	of	ADP
fsr-3483	280	3	political	political	ADJ
fsr-3483	280	4	economy	economy	NOUN
fsr-3483	280	5	,	,	PUNCT
fsr-3483	280	6	103	103	NUM
fsr-3483	280	7	,	,	PUNCT
fsr-3483	280	8	360–399	360–399	NUM
fsr-3483	280	9	.	.	PUNCT
fsr-3483	281	1	https://doi.org/10.1086/261987	https://doi.org/10.1086/261987	ADJ
fsr-3483	281	2	johnson	johnson	PROPN
fsr-3483	281	3	,	,	PUNCT
fsr-3483	281	4	k.	k.	PROPN
fsr-3483	281	5	w.	w.	PROPN
fsr-3483	281	6	,	,	PUNCT
fsr-3483	281	7	&	&	CCONJ
fsr-3483	281	8	the	the	DET
fsr-3483	281	9	board	board	NOUN
fsr-3483	281	10	of	of	ADP
fsr-3483	281	11	governors	governor	NOUN
fsr-3483	281	12	of	of	ADP
fsr-3483	281	13	the	the	DET
fsr-3483	281	14	federal	federal	PROPN
fsr-3483	281	15	reserve	reserve	PROPN
fsr-3483	281	16	system	system	NOUN
fsr-3483	281	17	.	.	PUNCT
fsr-3483	282	1	(	(	PUNCT
fsr-3483	282	2	2005	2005	NUM
fsr-3483	282	3	)	)	PUNCT
fsr-3483	282	4	.	.	PUNCT
fsr-3483	283	1	recent	recent	ADJ
fsr-3483	283	2	developments	development	NOUN
fsr-3483	283	3	in	in	ADP
fsr-3483	283	4	the	the	DET
fsr-3483	283	5	credit	credit	NOUN
fsr-3483	283	6	card	card	NOUN
fsr-3483	283	7	market	market	NOUN
fsr-3483	283	8	and	and	CCONJ
fsr-3483	283	9	the	the	DET
fsr-3483	283	10	financial	financial	ADJ
fsr-3483	283	11	obligations	obligation	NOUN
fsr-3483	283	12	ratio	ratio	NOUN
fsr-3483	283	13	.	.	PUNCT
fsr-3483	284	1	federal	federal	PROPN
fsr-3483	284	2	reserve	reserve	PROPN
fsr-3483	284	3	bulletin	bulletin	PROPN
fsr-3483	284	4	,	,	PUNCT
fsr-3483	284	5	91	91	NUM
fsr-3483	284	6	,	,	PUNCT
fsr-3483	284	7	473–486	473–486	NUM
fsr-3483	284	8	.	.	PUNCT
fsr-3483	285	1	https://doi.org/	https://doi.org/	VERB
fsr-3483	285	2	10.17016	10.17016	NUM
fsr-3483	285	3	/	/	SYM
fsr-3483	285	4	bulletin.2005.91	bulletin.2005.91	NOUN
fsr-3483	285	5	-	-	PUNCT
fsr-3483	285	6	4	4	NUM
fsr-3483	285	7	johnson	johnson	PROPN
fsr-3483	285	8	,	,	PUNCT
fsr-3483	285	9	d.	d.	PROPN
fsr-3483	285	10	,	,	PUNCT
fsr-3483	285	11	&	&	CCONJ
fsr-3483	285	12	widdows	widdows	PROPN
fsr-3483	285	13	,	,	PUNCT
fsr-3483	285	14	r.	r.	PROPN
fsr-3483	285	15	(	(	PUNCT
fsr-3483	285	16	1985	1985	NUM
fsr-3483	285	17	)	)	PUNCT
fsr-3483	285	18	.	.	PUNCT
fsr-3483	286	1	emergency	emergency	NOUN
fsr-3483	286	2	fund	fund	NOUN
fsr-3483	286	3	levels	level	NOUN
fsr-3483	286	4	of	of	ADP
fsr-3483	286	5	household	household	NOUN
fsr-3483	286	6	.	.	PUNCT
fsr-3483	287	1	in	in	ADP
fsr-3483	287	2	k.	k.	PROPN
fsr-3483	287	3	schnittgrund	schnittgrund	PROPN
fsr-3483	287	4	(	(	PUNCT
fsr-3483	287	5	ed	ed	NOUN
fsr-3483	287	6	.	.	PUNCT
fsr-3483	287	7	)	)	PUNCT
fsr-3483	287	8	,	,	PUNCT
fsr-3483	287	9	proceedings	proceeding	NOUN
fsr-3483	287	10	of	of	ADP
fsr-3483	287	11	the	the	DET
fsr-3483	287	12	31st	31st	ADJ
fsr-3483	287	13	annual	annual	ADJ
fsr-3483	287	14	conference	conference	NOUN
fsr-3483	287	15	of	of	ADP
fsr-3483	287	16	the	the	DET
fsr-3483	287	17	american	american	PROPN
fsr-3483	287	18	council	council	PROPN
fsr-3483	287	19	on	on	ADP
fsr-3483	287	20	consumer	consumer	NOUN
fsr-3483	287	21	interests	interest	NOUN
fsr-3483	287	22	(	(	PUNCT
fsr-3483	287	23	pp	pp	ADV
fsr-3483	287	24	.	.	PUNCT
fsr-3483	288	1	235–241	235–241	NUM
fsr-3483	288	2	)	)	PUNCT
fsr-3483	288	3	.	.	PUNCT
fsr-3483	289	1	columbia	columbia	PROPN
fsr-3483	289	2	,	,	PUNCT
fsr-3483	289	3	mo	mo	PROPN
fsr-3483	289	4	:	:	PUNCT
fsr-3483	289	5	american	american	PROPN
fsr-3483	289	6	council	council	PROPN
fsr-3483	289	7	on	on	ADP
fsr-3483	289	8	consumer	consumer	NOUN
fsr-3483	289	9	interests	interest	NOUN
fsr-3483	289	10	kennedy	kennedy	PROPN
fsr-3483	289	11	,	,	PUNCT
fsr-3483	289	12	s.	s.	PROPN
fsr-3483	289	13	,	,	PUNCT
fsr-3483	289	14	&	&	CCONJ
fsr-3483	289	15	ruggles	ruggles	PROPN
fsr-3483	289	16	,	,	PUNCT
fsr-3483	289	17	s.	s.	PROPN
fsr-3483	289	18	(	(	PUNCT
fsr-3483	289	19	2014	2014	NUM
fsr-3483	289	20	)	)	PUNCT
fsr-3483	289	21	.	.	PUNCT
fsr-3483	290	1	breaking	break	VERB
fsr-3483	290	2	up	up	ADP
fsr-3483	290	3	is	be	AUX
fsr-3483	290	4	hard	hard	ADJ
fsr-3483	290	5	to	to	PART
fsr-3483	290	6	count	count	VERB
fsr-3483	290	7	:	:	PUNCT
fsr-3483	290	8	the	the	DET
fsr-3483	290	9	rise	rise	NOUN
fsr-3483	290	10	of	of	ADP
fsr-3483	290	11	divorce	divorce	NOUN
fsr-3483	290	12	in	in	ADP
fsr-3483	290	13	the	the	DET
fsr-3483	290	14	united	united	PROPN
fsr-3483	290	15	states	states	PROPN
fsr-3483	290	16	,	,	PUNCT
fsr-3483	290	17	19802010	19802010	NUM
fsr-3483	290	18	.	.	PUNCT
fsr-3483	291	1	demography	demography	NOUN
fsr-3483	291	2	,	,	PUNCT
fsr-3483	291	3	51	51	NUM
fsr-3483	291	4	,	,	PUNCT
fsr-3483	291	5	587–598	587–598	NUM
fsr-3483	291	6	.	.	PUNCT
fsr-3483	292	1	https://doi.org/10.1007/s13524-013-0270-9	https://doi.org/10.1007/s13524-013-0270-9	PROPN
fsr-3483	292	2	kim	kim	PROPN
fsr-3483	292	3	,	,	PUNCT
fsr-3483	292	4	k.	k.	PROPN
fsr-3483	292	5	t.	t.	PROPN
fsr-3483	292	6	,	,	PUNCT
fsr-3483	292	7	hanna	hanna	PROPN
fsr-3483	292	8	,	,	PUNCT
fsr-3483	292	9	s.	s.	PROPN
fsr-3483	292	10	d.	d.	PROPN
fsr-3483	292	11	,	,	PUNCT
fsr-3483	292	12	&	&	CCONJ
fsr-3483	292	13	lee	lee	PROPN
fsr-3483	292	14	,	,	PUNCT
fsr-3483	292	15	j.	j.	PROPN
fsr-3483	292	16	(	(	PUNCT
fsr-3483	292	17	2022	2022	NUM
fsr-3483	292	18	)	)	PUNCT
fsr-3483	292	19	.	.	PUNCT
fsr-3483	293	1	the	the	DET
fsr-3483	293	2	great	great	ADJ
fsr-3483	293	3	expansion	expansion	NOUN
fsr-3483	293	4	of	of	ADP
fsr-3483	293	5	2019	2019	NUM
fsr-3483	293	6	and	and	CCONJ
fsr-3483	293	7	the	the	DET
fsr-3483	293	8	delinquency	delinquency	NOUN
fsr-3483	293	9	rates	rate	NOUN
fsr-3483	293	10	of	of	ADP
fsr-3483	293	11	blacks	black	NOUN
fsr-3483	293	12	and	and	CCONJ
fsr-3483	293	13	hispanics	hispanic	NOUN
fsr-3483	293	14	.	.	PUNCT
fsr-3483	294	1	applied	apply	VERB
fsr-3483	294	2	economics	economic	NOUN
fsr-3483	294	3	letters	letter	NOUN
fsr-3483	294	4	,	,	PUNCT
fsr-3483	294	5	29	29	NUM
fsr-3483	294	6	,	,	PUNCT
fsr-3483	294	7	1313–1318	1313–1318	NUM
fsr-3483	294	8	.	.	PUNCT
fsr-3483	295	1	https://doi.org/10.1080/13504851.2021.1927957	https://doi.org/10.1080/13504851.2021.1927957	NOUN
fsr-3483	295	2	lytton	lytton	PROPN
fsr-3483	295	3	,	,	PUNCT
fsr-3483	295	4	h.	h.	PROPN
fsr-3483	295	5	r.	r.	PROPN
fsr-3483	295	6	,	,	PUNCT
fsr-3483	295	7	garman	garman	PROPN
fsr-3483	295	8	,	,	PUNCT
fsr-3483	295	9	t.	t.	PROPN
fsr-3483	295	10	e.	e.	PROPN
fsr-3483	295	11	,	,	PUNCT
fsr-3483	295	12	&	&	CCONJ
fsr-3483	295	13	porter	porter	NOUN
fsr-3483	295	14	,	,	PUNCT
fsr-3483	295	15	n.	n.	NOUN
fsr-3483	295	16	(	(	PUNCT
fsr-3483	295	17	1991	1991	NUM
fsr-3483	295	18	)	)	PUNCT
fsr-3483	295	19	.	.	PUNCT
fsr-3483	296	1	how	how	SCONJ
fsr-3483	296	2	to	to	PART
fsr-3483	296	3	use	use	VERB
fsr-3483	296	4	financial	financial	ADJ
fsr-3483	296	5	ratios	ratio	NOUN
fsr-3483	296	6	when	when	SCONJ
fsr-3483	296	7	advising	advise	VERB
fsr-3483	296	8	clients	client	NOUN
fsr-3483	296	9	.	.	PUNCT
fsr-3483	297	1	financial	financial	ADJ
fsr-3483	297	2	counseling	counseling	NOUN
fsr-3483	297	3	and	and	CCONJ
fsr-3483	297	4	planning	planning	NOUN
fsr-3483	297	5	,	,	PUNCT
fsr-3483	297	6	2	2	NUM
fsr-3483	297	7	,	,	PUNCT
fsr-3483	297	8	2–23	2–23	PROPN
fsr-3483	297	9	.	.	PUNCT
fsr-3483	298	1	martin	martin	PROPN
fsr-3483	298	2	,	,	PUNCT
fsr-3483	298	3	r.	r.	PROPN
fsr-3483	298	4	,	,	PUNCT
fsr-3483	298	5	&	&	CCONJ
fsr-3483	298	6	hill	hill	PROPN
fsr-3483	298	7	,	,	PUNCT
fsr-3483	298	8	r.	r.	PROPN
fsr-3483	298	9	(	(	PUNCT
fsr-3483	298	10	2000	2000	NUM
fsr-3483	298	11	)	)	PUNCT
fsr-3483	298	12	.	.	PUNCT
fsr-3483	299	1	loan	loan	NOUN
fsr-3483	299	2	performance	performance	NOUN
fsr-3483	299	3	and	and	CCONJ
fsr-3483	299	4	race	race	NOUN
fsr-3483	299	5	.	.	PUNCT
fsr-3483	300	1	economic	economic	ADJ
fsr-3483	300	2	inquiry	inquiry	NOUN
fsr-3483	300	3	,	,	PUNCT
fsr-3483	300	4	38(1	38(1	NUM
fsr-3483	300	5	)	)	PUNCT
fsr-3483	300	6	,	,	PUNCT
fsr-3483	300	7	136–150	136–150	NUM
fsr-3483	300	8	.	.	PUNCT
fsr-3483	300	9	https://doi.org/	https://doi.org/	PROPN
fsr-3483	300	10	10.1111	10.1111	NUM
fsr-3483	300	11	/	/	SYM
fsr-3483	300	12	j.1465	j.1465	ADP
fsr-3483	300	13	-	-	PUNCT
fsr-3483	300	14	7295.2000.tb00009.x	7295.2000.tb00009.x	NUM
fsr-3483	300	15	mckenna	mckenna	NOUN
fsr-3483	300	16	,	,	PUNCT
fsr-3483	300	17	w.	w.	PROPN
fsr-3483	300	18	f.	f.	PROPN
fsr-3483	300	19	,	,	PUNCT
fsr-3483	300	20	&	&	CCONJ
fsr-3483	300	21	hills	hills	PROPN
fsr-3483	300	22	,	,	PUNCT
fsr-3483	300	23	c.	c.	PROPN
fsr-3483	300	24	a.	a.	PROPN
fsr-3483	300	25	(	(	PUNCT
fsr-3483	300	26	1982	1982	NUM
fsr-3483	300	27	)	)	PUNCT
fsr-3483	300	28	.	.	PUNCT
fsr-3483	301	1	the	the	DET
fsr-3483	301	2	report	report	NOUN
fsr-3483	301	3	of	of	ADP
fsr-3483	301	4	the	the	DET
fsr-3483	301	5	president	president	NOUN
fsr-3483	301	6	’s	’s	PART
fsr-3483	301	7	commission	commission	NOUN
fsr-3483	301	8	on	on	ADP
fsr-3483	301	9	housing	housing	NOUN
fsr-3483	301	10	.	.	PUNCT
fsr-3483	302	1	president	president	PROPN
fsr-3483	302	2	’s	’s	PART
fsr-3483	302	3	commission	commission	PROPN
fsr-3483	302	4	on	on	ADP
fsr-3483	302	5	housing	housing	NOUN
fsr-3483	302	6	.	.	PUNCT
fsr-3483	303	1	modigliani	modigliani	PROPN
fsr-3483	303	2	,	,	PUNCT
fsr-3483	303	3	f.	f.	PROPN
fsr-3483	303	4	,	,	PUNCT
fsr-3483	303	5	&	&	CCONJ
fsr-3483	303	6	brumberg	brumberg	PROPN
fsr-3483	303	7	,	,	PUNCT
fsr-3483	303	8	r.	r.	PROPN
fsr-3483	303	9	(	(	PUNCT
fsr-3483	303	10	1954	1954	NUM
fsr-3483	303	11	)	)	PUNCT
fsr-3483	303	12	.	.	PUNCT
fsr-3483	304	1	utility	utility	NOUN
fsr-3483	304	2	analysis	analysis	NOUN
fsr-3483	304	3	and	and	CCONJ
fsr-3483	304	4	the	the	DET
fsr-3483	304	5	consumption	consumption	NOUN
fsr-3483	304	6	function	function	NOUN
fsr-3483	304	7	:	:	PUNCT
fsr-3483	304	8	an	an	DET
fsr-3483	304	9	interpretation	interpretation	NOUN
fsr-3483	304	10	of	of	ADP
fsr-3483	304	11	cross	cross	ADJ
fsr-3483	304	12	-	-	ADJ
fsr-3483	304	13	section	section	ADJ
fsr-3483	304	14	data	datum	NOUN
fsr-3483	304	15	.	.	PUNCT
fsr-3483	305	1	in	in	ADP
fsr-3483	305	2	k.	k.	PROPN
fsr-3483	305	3	kurihara	kurihara	PROPN
fsr-3483	305	4	(	(	PUNCT
fsr-3483	305	5	eds	ed	NOUN
fsr-3483	305	6	.	.	PUNCT
fsr-3483	305	7	)	)	PUNCT
fsr-3483	305	8	,	,	PUNCT
fsr-3483	305	9	post	post	VERB
fsr-3483	305	10	keynesian	keynesian	ADJ
fsr-3483	305	11	economics	economic	NOUN
fsr-3483	305	12	(	(	PUNCT
fsr-3483	305	13	pp	pp	ADJ
fsr-3483	305	14	.	.	PUNCT
fsr-3483	306	1	388–446	388–446	NUM
fsr-3483	306	2	)	)	PUNCT
fsr-3483	306	3	.	.	PUNCT
fsr-3483	307	1	new	new	PROPN
fsr-3483	307	2	brunswick	brunswick	PROPN
fsr-3483	307	3	,	,	PUNCT
fsr-3483	307	4	nj	nj	PROPN
fsr-3483	307	5	:	:	PUNCT
fsr-3483	307	6	rutgers	rutgers	PROPN
fsr-3483	307	7	university	university	PROPN
fsr-3483	307	8	press	press	PROPN
fsr-3483	307	9	moon	moon	NOUN
fsr-3483	307	10	,	,	PUNCT
fsr-3483	307	11	s.	s.	PROPN
fsr-3483	307	12	j.	j.	PROPN
fsr-3483	307	13	,	,	PUNCT
fsr-3483	307	14	yuh	yuh	PROPN
fsr-3483	307	15	,	,	PUNCT
fsr-3483	307	16	y.	y.	PROPN
fsr-3483	307	17	,	,	PUNCT
fsr-3483	307	18	&	&	CCONJ
fsr-3483	307	19	hanna	hanna	PROPN
fsr-3483	307	20	,	,	PUNCT
fsr-3483	307	21	s.	s.	PROPN
fsr-3483	307	22	d.	d.	PROPN
fsr-3483	307	23	(	(	PUNCT
fsr-3483	307	24	2002	2002	NUM
fsr-3483	307	25	)	)	PUNCT
fsr-3483	307	26	.	.	PUNCT
fsr-3483	308	1	financial	financial	ADJ
fsr-3483	308	2	ratio	ratio	NOUN
fsr-3483	308	3	analysis	analysis	NOUN
fsr-3483	308	4	of	of	ADP
fsr-3483	308	5	korean	korean	ADJ
fsr-3483	308	6	households	household	NOUN
fsr-3483	308	7	.	.	PUNCT
fsr-3483	309	1	family	family	NOUN
fsr-3483	309	2	and	and	CCONJ
fsr-3483	309	3	consumer	consumer	NOUN
fsr-3483	309	4	sciences	sciences	PROPN
fsr-3483	309	5	research	research	NOUN
fsr-3483	309	6	journal	journal	NOUN
fsr-3483	309	7	,	,	PUNCT
fsr-3483	309	8	30	30	NUM
fsr-3483	309	9	,	,	PUNCT
fsr-3483	309	10	496–525	496–525	NUM
fsr-3483	309	11	.	.	PUNCT
fsr-3483	310	1	https://doi.org/10.1177/1077727x02030004004	https://doi.org/10.1177/1077727x02030004004	PROPN
fsr-3483	310	2	munnell	munnell	PROPN
fsr-3483	310	3	,	,	PUNCT
fsr-3483	310	4	a.	a.	NOUN
fsr-3483	310	5	,	,	PUNCT
fsr-3483	310	6	browne	browne	PROPN
fsr-3483	310	7	,	,	PUNCT
fsr-3483	310	8	l.	l.	PROPN
fsr-3483	310	9	,	,	PUNCT
fsr-3483	310	10	mceneaney	mceneaney	PROPN
fsr-3483	310	11	,	,	PUNCT
fsr-3483	310	12	j.	j.	PROPN
fsr-3483	310	13	,	,	PUNCT
fsr-3483	310	14	&	&	CCONJ
fsr-3483	310	15	tootell	tootell	PROPN
fsr-3483	310	16	,	,	PUNCT
fsr-3483	310	17	g.	g.	PROPN
fsr-3483	310	18	(	(	PUNCT
fsr-3483	310	19	1996	1996	NUM
fsr-3483	310	20	)	)	PUNCT
fsr-3483	310	21	.	.	PUNCT
fsr-3483	311	1	mortgage	mortgage	NOUN
fsr-3483	311	2	lending	lending	NOUN
fsr-3483	311	3	in	in	ADP
fsr-3483	311	4	boston	boston	PROPN
fsr-3483	311	5	:	:	PUNCT
fsr-3483	311	6	interpreting	interpret	VERB
fsr-3483	311	7	hmda	hmda	ADJ
fsr-3483	311	8	data	datum	NOUN
fsr-3483	311	9	.	.	PUNCT
fsr-3483	312	1	american	american	PROPN
fsr-3483	312	2	economic	economic	PROPN
fsr-3483	312	3	review	review	PROPN
fsr-3483	312	4	,	,	PUNCT
fsr-3483	312	5	86(1	86(1	PROPN
fsr-3483	312	6	)	)	PUNCT
fsr-3483	312	7	,	,	PUNCT
fsr-3483	312	8	25–53	25–53	NUM
fsr-3483	312	9	.	.	PUNCT
fsr-3483	313	1	nber	nber	PROPN
fsr-3483	313	2	.	.	PUNCT
fsr-3483	314	1	(	(	PUNCT
fsr-3483	314	2	2010	2010	NUM
fsr-3483	314	3	)	)	PUNCT
fsr-3483	314	4	.	.	PUNCT
fsr-3483	315	1	business	business	NOUN
fsr-3483	315	2	cycle	cycle	NOUN
fsr-3483	315	3	dating	date	VERB
fsr-3483	315	4	committee	committee	NOUN
fsr-3483	315	5	,	,	PUNCT
fsr-3483	315	6	national	national	ADJ
fsr-3483	315	7	bureau	bureau	PROPN
fsr-3483	315	8	of	of	ADP
fsr-3483	315	9	economic	economic	ADJ
fsr-3483	315	10	research	research	NOUN
fsr-3483	315	11	.	.	PUNCT
fsr-3483	316	1	national	national	PROPN
fsr-3483	316	2	bureau	bureau	PROPN
fsr-3483	316	3	of	of	ADP
fsr-3483	316	4	economic	economic	ADJ
fsr-3483	316	5	research	research	NOUN
fsr-3483	316	6	,	,	PUNCT
fsr-3483	316	7	december	december	PROPN
fsr-3483	316	8	2007	2007	NUM
fsr-3483	316	9	.	.	PUNCT
fsr-3483	317	1	park	park	NOUN
fsr-3483	317	2	,	,	PUNCT
fsr-3483	317	3	k.	k.	PROPN
fsr-3483	317	4	a.	a.	PROPN
fsr-3483	317	5	(	(	PUNCT
fsr-3483	317	6	2022	2022	NUM
fsr-3483	317	7	,	,	PUNCT
fsr-3483	317	8	february	february	PROPN
fsr-3483	317	9	7	7	NUM
fsr-3483	317	10	)	)	PUNCT
fsr-3483	317	11	.	.	PUNCT
fsr-3483	318	1	a	a	DET
fsr-3483	318	2	comparison	comparison	NOUN
fsr-3483	318	3	of	of	ADP
fsr-3483	318	4	mortgage	mortgage	NOUN
fsr-3483	318	5	denial	denial	NOUN
fsr-3483	318	6	and	and	CCONJ
fsr-3483	318	7	default	default	NOUN
fsr-3483	318	8	rates	rate	NOUN
fsr-3483	318	9	by	by	ADP
fsr-3483	318	10	race	race	NOUN
fsr-3483	318	11	,	,	PUNCT
fsr-3483	318	12	ethnicity	ethnicity	NOUN
fsr-3483	318	13	,	,	PUNCT
fsr-3483	318	14	and	and	CCONJ
fsr-3483	318	15	gender	gender	NOUN
fsr-3483	318	16	.	.	PUNCT
fsr-3483	319	1	u.s	u.s	PROPN
fsr-3483	319	2	.	.	PROPN
fsr-3483	319	3	department	department	PROPN
fsr-3483	319	4	of	of	ADP
fsr-3483	319	5	housing	housing	PROPN
fsr-3483	319	6	and	and	CCONJ
fsr-3483	319	7	urban	urban	PROPN
fsr-3483	319	8	development	development	PROPN
fsr-3483	319	9	.	.	PUNCT
fsr-3483	320	1	https://doi.org/10.2139/ssrn.4030908	https://doi.org/10.2139/ssrn.4030908	PROPN
fsr-3483	320	2	phelps	phelps	PROPN
fsr-3483	320	3	,	,	PUNCT
fsr-3483	320	4	e.	e.	PROPN
fsr-3483	320	5	s.	s.	PROPN
fsr-3483	320	6	(	(	PUNCT
fsr-3483	320	7	1972	1972	NUM
fsr-3483	320	8	)	)	PUNCT
fsr-3483	320	9	.	.	PUNCT
fsr-3483	321	1	the	the	DET
fsr-3483	321	2	statistical	statistical	ADJ
fsr-3483	321	3	theory	theory	NOUN
fsr-3483	321	4	of	of	ADP
fsr-3483	321	5	racism	racism	NOUN
fsr-3483	321	6	and	and	CCONJ
fsr-3483	321	7	sexism	sexism	NOUN
fsr-3483	321	8	.	.	PUNCT
fsr-3483	322	1	american	american	PROPN
fsr-3483	322	2	economic	economic	PROPN
fsr-3483	322	3	review	review	PROPN
fsr-3483	322	4	,	,	PUNCT
fsr-3483	322	5	62(4	62(4	NOUN
fsr-3483	322	6	)	)	PUNCT
fsr-3483	322	7	,	,	PUNCT
fsr-3483	322	8	659–61	659–61	PROPN
fsr-3483	322	9	.	.	PUNCT
fsr-3483	323	1	stevenson	stevenson	PROPN
fsr-3483	323	2	,	,	PUNCT
fsr-3483	323	3	b.	b.	PROPN
fsr-3483	323	4	,	,	PUNCT
fsr-3483	323	5	&	&	CCONJ
fsr-3483	323	6	wolfers	wolfer	NOUN
fsr-3483	323	7	,	,	PUNCT
fsr-3483	323	8	j.	j.	PROPN
fsr-3483	323	9	(	(	PUNCT
fsr-3483	323	10	2007	2007	NUM
fsr-3483	323	11	)	)	PUNCT
fsr-3483	323	12	.	.	PUNCT
fsr-3483	324	1	marriage	marriage	NOUN
fsr-3483	324	2	and	and	CCONJ
fsr-3483	324	3	divorce	divorce	NOUN
fsr-3483	324	4	:	:	PUNCT
fsr-3483	324	5	changes	change	NOUN
fsr-3483	324	6	and	and	CCONJ
fsr-3483	324	7	their	their	PRON
fsr-3483	324	8	driving	drive	VERB
fsr-3483	324	9	forces	force	NOUN
fsr-3483	324	10	.	.	PUNCT
fsr-3483	325	1	journal	journal	NOUN
fsr-3483	325	2	of	of	ADP
fsr-3483	325	3	economic	economic	ADJ
fsr-3483	325	4	perspectives	perspective	NOUN
fsr-3483	325	5	,	,	PUNCT
fsr-3483	325	6	21	21	NUM
fsr-3483	325	7	,	,	PUNCT
fsr-3483	325	8	27–52	27–52	NUM
fsr-3483	325	9	.	.	PUNCT
fsr-3483	326	1	https://doi.org/10.1257/jep.21.2.27	https://doi.org/10.1257/jep.21.2.27	PROPN
fsr-3483	326	2	turunen	turunen	PROPN
fsr-3483	326	3	,	,	PUNCT
fsr-3483	326	4	e.	e.	PROPN
fsr-3483	326	5	,	,	PUNCT
fsr-3483	326	6	&	&	CCONJ
fsr-3483	326	7	hiilamo	hiilamo	PROPN
fsr-3483	326	8	,	,	PUNCT
fsr-3483	326	9	h.	h.	PROPN
fsr-3483	326	10	(	(	PUNCT
fsr-3483	326	11	2014	2014	NUM
fsr-3483	326	12	)	)	PUNCT
fsr-3483	326	13	.	.	PUNCT
fsr-3483	327	1	health	health	NOUN
fsr-3483	327	2	effects	effect	NOUN
fsr-3483	327	3	of	of	ADP
fsr-3483	327	4	indebtedness	indebtedness	NOUN
fsr-3483	327	5	:	:	PUNCT
fsr-3483	327	6	a	a	DET
fsr-3483	327	7	systematic	systematic	ADJ
fsr-3483	327	8	review	review	NOUN
fsr-3483	327	9	.	.	PUNCT
fsr-3483	328	1	bmc	bmc	ADJ
fsr-3483	328	2	public	public	ADJ
fsr-3483	328	3	health	health	NOUN
fsr-3483	328	4	,	,	PUNCT
fsr-3483	328	5	14	14	NUM
fsr-3483	328	6	,	,	PUNCT
fsr-3483	328	7	489	489	NUM
fsr-3483	328	8	.	.	PUNCT
fsr-3483	329	1	xiao	xiao	PROPN
fsr-3483	329	2	,	,	PUNCT
fsr-3483	329	3	j.	j.	PROPN
fsr-3483	329	4	j.	j.	PROPN
fsr-3483	329	5	,	,	PUNCT
fsr-3483	329	6	ford	ford	PROPN
fsr-3483	329	7	,	,	PUNCT
fsr-3483	329	8	w.	w.	PROPN
fsr-3483	329	9	m.	m.	PROPN
fsr-3483	329	10	,	,	PUNCT
fsr-3483	329	11	&	&	CCONJ
fsr-3483	329	12	kim	kim	PROPN
fsr-3483	329	13	,	,	PUNCT
fsr-3483	329	14	j.	j.	PROPN
fsr-3483	329	15	(	(	PUNCT
fsr-3483	329	16	2011	2011	NUM
fsr-3483	329	17	)	)	PUNCT
fsr-3483	329	18	.	.	PUNCT
fsr-3483	330	1	consumer	consumer	NOUN
fsr-3483	330	2	financial	financial	ADJ
fsr-3483	330	3	behavior	behavior	NOUN
fsr-3483	330	4	:	:	PUNCT
fsr-3483	330	5	an	an	DET
fsr-3483	330	6	interdisciplinary	interdisciplinary	ADJ
fsr-3483	330	7	review	review	NOUN
fsr-3483	330	8	of	of	ADP
fsr-3483	330	9	selected	select	VERB
fsr-3483	330	10	theories	theory	NOUN
fsr-3483	330	11	and	and	CCONJ
fsr-3483	330	12	research	research	NOUN
fsr-3483	330	13	.	.	PUNCT
fsr-3483	331	1	family	family	NOUN
fsr-3483	331	2	and	and	CCONJ
fsr-3483	331	3	consumer	consumer	NOUN
fsr-3483	331	4	sciences	sciences	PROPN
fsr-3483	331	5	research	research	NOUN
fsr-3483	331	6	journal	journal	NOUN
fsr-3483	331	7	,	,	PUNCT
fsr-3483	331	8	39	39	NUM
fsr-3483	331	9	,	,	PUNCT
fsr-3483	331	10	399–414	399–414	NUM
fsr-3483	331	11	.	.	PUNCT
fsr-3483	332	1	https://doi.org/10.1111/	https://doi.org/10.1111/	PROPN
fsr-3483	332	2	j.1552	j.1552	ADP
fsr-3483	332	3	-	-	PUNCT
fsr-3483	332	4	3934.2011.02078.x	3934.2011.02078.x	NUM
fsr-3483	332	5	yuh	yuh	PROPN
fsr-3483	332	6	,	,	PUNCT
fsr-3483	332	7	y.	y.	PROPN
fsr-3483	332	8	,	,	PUNCT
fsr-3483	332	9	&	&	CCONJ
fsr-3483	332	10	hanna	hanna	PROPN
fsr-3483	332	11	,	,	PUNCT
fsr-3483	332	12	s.	s.	PROPN
fsr-3483	332	13	d.	d.	PROPN
fsr-3483	332	14	(	(	PUNCT
fsr-3483	332	15	2010	2010	NUM
fsr-3483	332	16	)	)	PUNCT
fsr-3483	332	17	.	.	PUNCT
fsr-3483	333	1	which	which	DET
fsr-3483	333	2	households	household	NOUN
fsr-3483	333	3	think	think	VERB
fsr-3483	333	4	they	they	PRON
fsr-3483	333	5	save	save	VERB
fsr-3483	333	6	?	?	PUNCT
fsr-3483	334	1	journal	journal	NOUN
fsr-3483	334	2	of	of	ADP
fsr-3483	334	3	consumer	consumer	NOUN
fsr-3483	334	4	affairs	affair	NOUN
fsr-3483	334	5	,	,	PUNCT
fsr-3483	334	6	44	44	NUM
fsr-3483	334	7	,	,	PUNCT
fsr-3483	334	8	70–97	70–97	NUM
fsr-3483	334	9	.	.	PUNCT
fsr-3483	335	1	https://doi.org/10.1111/j.1745-6606.2010.01158.x	https://doi.org/10.1111/j.1745-6606.2010.01158.x	ADJ
fsr-3483	335	2	c.	c.	PROPN
fsr-3483	335	3	ouyang	ouyang	PROPN
fsr-3483	335	4	and	and	CCONJ
fsr-3483	335	5	s.	s.	PROPN
fsr-3483	335	6	d.	d.	PROPN
fsr-3483	335	7	hanna	hanna	PROPN
fsr-3483	335	8	/	/	SYM
fsr-3483	335	9	financial	financial	ADJ
fsr-3483	335	10	services	service	NOUN
fsr-3483	335	11	review	review	VERB
fsr-3483	335	12	30	30	NUM
fsr-3483	335	13	(	(	PUNCT
fsr-3483	335	14	2022	2022	NUM
fsr-3483	335	15	)	)	PUNCT
fsr-3483	336	1	165–177	165–177	NUM
fsr-3483	336	2	177	177	NUM