id	sid	tid	token	lemma	pos
fsr-3526	1	1	finser_31	finser_31	PROPN
fsr-3526	1	2	-	-	PUNCT
fsr-3526	1	3	2_complete_issue	2_complete_issue	PROPN
fsr-3526	1	4	academy	academy	NOUN
fsr-3526	1	5	of	of	ADP
fsr-3526	1	6	financial	financial	ADJ
fsr-3526	1	7	services	service	NOUN
fsr-3526	1	8	officers	officer	NOUN
fsr-3526	1	9	president	president	PROPN
fsr-3526	1	10	tom	tom	PROPN
fsr-3526	1	11	potts	potts	PROPN
fsr-3526	1	12	baylor	baylor	PROPN
fsr-3526	1	13	university	university	PROPN
fsr-3526	1	14	president	president	PROPN
fsr-3526	1	15	-	-	PUNCT
fsr-3526	1	16	elect	elect	PROPN
fsr-3526	1	17	executive	executive	ADJ
fsr-3526	1	18	vice	vice	NOUN
fsr-3526	1	19	president	president	NOUN
fsr-3526	1	20	-	-	PUNCT
fsr-3526	1	21	program	program	NOUN
fsr-3526	1	22	terrance	terrance	PROPN
fsr-3526	1	23	k.	k.	PROPN
fsr-3526	1	24	martin	martin	PROPN
fsr-3526	1	25	winston	winston	PROPN
fsr-3526	1	26	-	-	PUNCT
fsr-3526	1	27	salem	salem	PROPN
fsr-3526	1	28	state	state	PROPN
fsr-3526	1	29	university	university	PROPN
fsr-3526	1	30	vice	vice	NOUN
fsr-3526	1	31	president	president	NOUN
fsr-3526	1	32	-	-	PUNCT
fsr-3526	1	33	communications	communication	NOUN
fsr-3526	1	34	colleen	colleen	PROPN
fsr-3526	1	35	tokar	tokar	NOUN
fsr-3526	1	36	asaad	asaad	PROPN
fsr-3526	1	37	baldwin	baldwin	PROPN
fsr-3526	1	38	wallace	wallace	PROPN
fsr-3526	1	39	university	university	PROPN
fsr-3526	1	40	vice	vice	NOUN
fsr-3526	1	41	president	president	NOUN
fsr-3526	1	42	-	-	PUNCT
fsr-3526	1	43	finance	finance	NOUN
fsr-3526	1	44	thomas	thomas	PROPN
fsr-3526	1	45	p.	p.	PROPN
fsr-3526	1	46	langdon	langdon	PROPN
fsr-3526	1	47	roger	roger	PROPN
fsr-3526	1	48	williams	williams	PROPN
fsr-3526	1	49	university	university	PROPN
fsr-3526	1	50	vice	vice	PROPN
fsr-3526	1	51	president	president	PROPN
fsr-3526	1	52	-	-	PUNCT
fsr-3526	1	53	international	international	PROPN
fsr-3526	1	54	relations	relation	NOUN
fsr-3526	1	55	michelle	michelle	PROPN
fsr-3526	1	56	cull	cull	PROPN
fsr-3526	1	57	western	western	PROPN
fsr-3526	1	58	sydney	sydney	PROPN
fsr-3526	1	59	university	university	PROPN
fsr-3526	1	60	vice	vice	NOUN
fsr-3526	1	61	president	president	PROPN
fsr-3526	1	62	-	-	PUNCT
fsr-3526	1	63	mktg	mktg	PROPN
fsr-3526	1	64	&	&	CCONJ
fsr-3526	1	65	public	public	ADJ
fsr-3526	1	66	relations	relation	NOUN
fsr-3526	1	67	shawn	shawn	PROPN
fsr-3526	1	68	brayman	brayman	PROPN
fsr-3526	1	69	financial	financial	PROPN
fsr-3526	1	70	planning	planning	PROPN
fsr-3526	1	71	research	research	NOUN
fsr-3526	1	72	consultant	consultant	NOUN
fsr-3526	1	73	immediate	immediate	ADJ
fsr-3526	1	74	past	past	PROPN
fsr-3526	1	75	president	president	PROPN
fsr-3526	1	76	inga	inga	PROPN
fsr-3526	1	77	timmerman	timmerman	PROPN
fsr-3526	1	78	university	university	PROPN
fsr-3526	1	79	of	of	ADP
fsr-3526	1	80	north	north	PROPN
fsr-3526	1	81	florida	florida	PROPN
fsr-3526	1	82	editor	editor	NOUN
fsr-3526	1	83	,	,	PUNCT
fsr-3526	1	84	financial	financial	ADJ
fsr-3526	1	85	services	service	NOUN
fsr-3526	1	86	review	review	VERB
fsr-3526	1	87	terrance	terrance	PROPN
fsr-3526	1	88	k.	k.	PROPN
fsr-3526	1	89	martin	martin	PROPN
fsr-3526	1	90	winston	winston	PROPN
fsr-3526	1	91	-	-	PUNCT
fsr-3526	1	92	salem	salem	PROPN
fsr-3526	1	93	state	state	NOUN
fsr-3526	1	94	university	university	NOUN
fsr-3526	1	95	directors	director	NOUN
fsr-3526	1	96	jason	jason	PROPN
fsr-3526	1	97	andreson	andreson	PROPN
fsr-3526	1	98	university	university	PROPN
fsr-3526	1	99	of	of	ADP
fsr-3526	1	100	kansas	kansas	PROPN
fsr-3526	1	101	jasmine	jasmine	PROPN
fsr-3526	1	102	fang	fang	PROPN
fsr-3526	1	103	massey	massey	PROPN
fsr-3526	1	104	university	university	PROPN
fsr-3526	1	105	norah	norah	PROPN
fsr-3526	1	106	feng	feng	PROPN
fsr-3526	1	107	massey	massey	PROPN
fsr-3526	1	108	university	university	PROPN
fsr-3526	1	109	john	john	PROPN
fsr-3526	1	110	garble	garble	PROPN
fsr-3526	1	111	university	university	PROPN
fsr-3526	1	112	of	of	ADP
fsr-3526	1	113	georgia	georgia	PROPN
fsr-3526	1	114	wookjae	wookjae	PROPN
fsr-3526	1	115	heo	heo	PROPN
fsr-3526	1	116	purdue	purdue	PROPN
fsr-3526	1	117	university	university	PROPN
fsr-3526	1	118	phillip	phillip	PROPN
fsr-3526	1	119	gibson	gibson	PROPN
fsr-3526	1	120	winthrop	winthrop	PROPN
fsr-3526	1	121	university	university	PROPN
fsr-3526	1	122	barry	barry	PROPN
fsr-3526	1	123	mulholland	mulholland	PROPN
fsr-3526	1	124	university	university	PROPN
fsr-3526	1	125	of	of	ADP
fsr-3526	1	126	akron	akron	PROPN
fsr-3526	1	127	utah	utah	PROPN
fsr-3526	1	128	valley	valley	PROPN
fsr-3526	1	129	university	university	PROPN
fsr-3526	1	130	past	past	PROPN
fsr-3526	1	131	presidents	president	NOUN
fsr-3526	1	132	janine	janine	PROPN
fsr-3526	1	133	sam	sam	PROPN
fsr-3526	1	134	,	,	PUNCT
fsr-3526	1	135	2019	2019	NUM
fsr-3526	1	136	-	-	SYM
fsr-3526	1	137	20	20	NUM
fsr-3526	1	138	shepherd	shepherd	ADJ
fsr-3526	1	139	university	university	NOUN
fsr-3526	1	140	swarn	swarn	PROPN
fsr-3526	1	141	chatterjee	chatterjee	PROPN
fsr-3526	1	142	,	,	PUNCT
fsr-3526	1	143	2018	2018	NUM
fsr-3526	1	144	-	-	SYM
fsr-3526	1	145	19	19	NUM
fsr-3526	1	146	university	university	PROPN
fsr-3526	1	147	of	of	ADP
fsr-3526	1	148	georgia	georgia	PROPN
fsr-3526	1	149	robert	robert	PROPN
fsr-3526	1	150	moreschi	moreschi	PROPN
fsr-3526	1	151	,	,	PUNCT
fsr-3526	1	152	2016	2016	NUM
fsr-3526	1	153	-	-	SYM
fsr-3526	1	154	18	18	NUM
fsr-3526	1	155	virginia	virginia	PROPN
fsr-3526	1	156	military	military	PROPN
fsr-3526	1	157	institute	institute	PROPN
fsr-3526	1	158	thomas	thomas	PROPN
fsr-3526	1	159	coe	coe	PROPN
fsr-3526	1	160	,	,	PUNCT
fsr-3526	1	161	2015	2015	NUM
fsr-3526	1	162	-	-	SYM
fsr-3526	1	163	16	16	NUM
fsr-3526	1	164	quinnipiac	quinnipiac	PROPN
fsr-3526	1	165	university	university	PROPN
fsr-3526	1	166	william	william	PROPN
fsr-3526	1	167	chittenden	chittenden	PROPN
fsr-3526	1	168	,	,	PUNCT
fsr-3526	1	169	2014	2014	NUM
fsr-3526	1	170	-	-	SYM
fsr-3526	1	171	15	15	NUM
fsr-3526	1	172	texas	texas	PROPN
fsr-3526	1	173	state	state	PROPN
fsr-3526	1	174	university	university	PROPN
fsr-3526	1	175	lance	lance	PROPN
fsr-3526	1	176	palmer	palmer	PROPN
fsr-3526	1	177	,	,	PUNCT
fsr-3526	1	178	2013	2013	NUM
fsr-3526	1	179	-	-	SYM
fsr-3526	1	180	14	14	NUM
fsr-3526	1	181	university	university	PROPN
fsr-3526	1	182	of	of	ADP
fsr-3526	1	183	georgia	georgia	PROPN
fsr-3526	1	184	frank	frank	PROPN
fsr-3526	1	185	laatsch	laatsch	PROPN
fsr-3526	1	186	,	,	PUNCT
fsr-3526	1	187	2012	2012	NUM
fsr-3526	1	188	-	-	SYM
fsr-3526	1	189	13	13	NUM
fsr-3526	1	190	university	university	NOUN
fsr-3526	1	191	of	of	ADP
fsr-3526	1	192	southern	southern	PROPN
fsr-3526	1	193	mississippi	mississippi	PROPN
fsr-3526	1	194	brian	brian	PROPN
fsr-3526	1	195	boscaljon	boscaljon	PROPN
fsr-3526	1	196	,	,	PUNCT
fsr-3526	1	197	2011	2011	NUM
fsr-3526	1	198	-	-	SYM
fsr-3526	1	199	12	12	NUM
fsr-3526	1	200	penn	penn	PROPN
fsr-3526	1	201	state	state	PROPN
fsr-3526	1	202	university	university	PROPN
fsr-3526	1	203	-	-	PUNCT
fsr-3526	1	204	erie	erie	PROPN
fsr-3526	1	205	halil	halil	PROPN
fsr-3526	1	206	kiymaz	kiymaz	PROPN
fsr-3526	1	207	,	,	PUNCT
fsr-3526	1	208	2010	2010	NUM
fsr-3526	1	209	-	-	SYM
fsr-3526	1	210	11	11	NUM
fsr-3526	1	211	rollins	rollin	NOUN
fsr-3526	1	212	college	college	PROPN
fsr-3526	1	213	of	of	ADP
fsr-3526	1	214	business	business	PROPN
fsr-3526	1	215	david	david	PROPN
fsr-3526	1	216	lange	lange	PROPN
fsr-3526	1	217	,	,	PUNCT
fsr-3526	1	218	2009	2009	NUM
fsr-3526	1	219	-	-	SYM
fsr-3526	1	220	10	10	NUM
fsr-3526	1	221	auburn	auburn	NOUN
fsr-3526	1	222	university	university	PROPN
fsr-3526	1	223	,	,	PUNCT
fsr-3526	1	224	montgomery	montgomery	PROPN
fsr-3526	1	225	vickie	vickie	PROPN
fsr-3526	1	226	hampton	hampton	PROPN
fsr-3526	1	227	,	,	PUNCT
fsr-3526	1	228	2008	2008	NUM
fsr-3526	1	229	-	-	SYM
fsr-3526	1	230	09	09	NUM
fsr-3526	1	231	texas	texas	PROPN
fsr-3526	1	232	tech	tech	PROPN
fsr-3526	1	233	university	university	PROPN
fsr-3526	1	234	frank	frank	PROPN
fsr-3526	1	235	laatsch	laatsch	PROPN
fsr-3526	1	236	2007	2007	NUM
fsr-3526	1	237	-	-	SYM
fsr-3526	1	238	08	08	NUM
fsr-3526	1	239	university	university	PROPN
fsr-3526	1	240	of	of	ADP
fsr-3526	1	241	southern	southern	PROPN
fsr-3526	1	242	mississippi	mississippi	PROPN
fsr-3526	1	243	daniel	daniel	PROPN
fsr-3526	1	244	walz	walz	PROPN
fsr-3526	1	245	,	,	PUNCT
fsr-3526	1	246	2006	2006	NUM
fsr-3526	1	247	-	-	SYM
fsr-3526	1	248	07	07	NUM
fsr-3526	1	249	trinity	trinity	NOUN
fsr-3526	1	250	university	university	PROPN
fsr-3526	1	251	anne	anne	PROPN
fsr-3526	1	252	gleason	gleason	PROPN
fsr-3526	1	253	,	,	PUNCT
fsr-3526	1	254	2005	2005	NUM
fsr-3526	1	255	-	-	SYM
fsr-3526	1	256	06	06	NUM
fsr-3526	1	257	college	college	PROPN
fsr-3526	1	258	of	of	ADP
fsr-3526	1	259	charleston	charleston	PROPN
fsr-3526	1	260	stuart	stuart	PROPN
fsr-3526	1	261	michelson	michelson	PROPN
fsr-3526	1	262	,	,	PUNCT
fsr-3526	1	263	2004	2004	NUM
fsr-3526	1	264	-	-	SYM
fsr-3526	1	265	05	05	NUM
fsr-3526	1	266	stetson	stetson	PROPN
fsr-3526	1	267	university	university	PROPN
fsr-3526	1	268	grady	grady	PROPN
fsr-3526	1	269	perdue	perdue	PROPN
fsr-3526	1	270	,	,	PUNCT
fsr-3526	1	271	2003	2003	NUM
fsr-3526	1	272	-	-	SYM
fsr-3526	1	273	04	04	NUM
fsr-3526	1	274	university	university	PROPN
fsr-3526	1	275	of	of	ADP
fsr-3526	1	276	houston	houston	PROPN
fsr-3526	1	277	-	-	PUNCT
fsr-3526	1	278	clear	clear	PROPN
fsr-3526	1	279	lake	lake	PROPN
fsr-3526	1	280	vickie	vickie	PROPN
fsr-3526	1	281	bajtelsmit	bajtelsmit	NOUN
fsr-3526	1	282	,	,	PUNCT
fsr-3526	1	283	2002	2002	NUM
fsr-3526	1	284	-	-	SYM
fsr-3526	1	285	03	03	NUM
fsr-3526	1	286	colorado	colorado	PROPN
fsr-3526	1	287	state	state	PROPN
fsr-3526	1	288	university	university	PROPN
fsr-3526	1	289	karen	karen	PROPN
fsr-3526	1	290	eilers	eilers	PROPN
fsr-3526	1	291	lahey	lahey	PROPN
fsr-3526	1	292	,	,	PUNCT
fsr-3526	1	293	2001	2001	NUM
fsr-3526	1	294	-	-	SYM
fsr-3526	1	295	02	02	NUM
fsr-3526	1	296	university	university	PROPN
fsr-3526	1	297	of	of	ADP
fsr-3526	1	298	akron	akron	PROPN
fsr-3526	1	299	tom	tom	PROPN
fsr-3526	1	300	eyssell	eyssell	PROPN
fsr-3526	1	301	,	,	PUNCT
fsr-3526	1	302	2000	2000	NUM
fsr-3526	1	303	-	-	SYM
fsr-3526	1	304	01	01	NUM
fsr-3526	1	305	university	university	PROPN
fsr-3526	1	306	of	of	ADP
fsr-3526	1	307	missouri	missouri	PROPN
fsr-3526	1	308	-	-	PROPN
fsr-3526	1	309	st	st	PROPN
fsr-3526	1	310	.	.	PROPN
fsr-3526	1	311	louis	louis	PROPN
fsr-3526	1	312	jill	jill	PROPN
fsr-3526	1	313	lynn	lynn	PROPN
fsr-3526	1	314	vihtelic	vihtelic	PROPN
fsr-3526	1	315	,	,	PUNCT
fsr-3526	1	316	1999	1999	NUM
fsr-3526	1	317	-	-	SYM
fsr-3526	1	318	00	00	NUM
fsr-3526	1	319	saint	saint	PROPN
fsr-3526	1	320	mary	mary	PROPN
fsr-3526	1	321	’s	’s	PART
fsr-3526	1	322	college	college	PROPN
fsr-3526	1	323	terry	terry	PROPN
fsr-3526	1	324	zivney	zivney	PROPN
fsr-3526	1	325	,	,	PUNCT
fsr-3526	1	326	1998	1998	NUM
fsr-3526	1	327	-	-	SYM
fsr-3526	1	328	99	99	NUM
fsr-3526	1	329	ball	ball	NOUN
fsr-3526	1	330	state	state	NOUN
fsr-3526	1	331	university	university	PROPN
fsr-3526	1	332	don	don	PROPN
fsr-3526	1	333	holdren	holdren	NOUN
fsr-3526	1	334	,	,	PUNCT
fsr-3526	1	335	1997	1997	NUM
fsr-3526	1	336	-	-	SYM
fsr-3526	1	337	98	98	NUM
fsr-3526	1	338	marshall	marshall	PROPN
fsr-3526	1	339	university	university	PROPN
fsr-3526	1	340	robert	robert	PROPN
fsr-3526	1	341	mcleod	mcleod	PROPN
fsr-3526	1	342	,	,	PUNCT
fsr-3526	1	343	1996	1996	NUM
fsr-3526	1	344	-	-	SYM
fsr-3526	1	345	97	97	NUM
fsr-3526	1	346	university	university	PROPN
fsr-3526	1	347	of	of	ADP
fsr-3526	1	348	alabama	alabama	PROPN
fsr-3526	1	349	walt	walt	PROPN
fsr-3526	1	350	woerheide	woerheide	PROPN
fsr-3526	1	351	,	,	PUNCT
fsr-3526	1	352	1995	1995	NUM
fsr-3526	1	353	-	-	SYM
fsr-3526	1	354	96	96	NUM
fsr-3526	1	355	the	the	DET
fsr-3526	1	356	american	american	PROPN
fsr-3526	1	357	college	college	PROPN
fsr-3526	1	358	dixie	dixie	PROPN
fsr-3526	1	359	mills	mill	NOUN
fsr-3526	1	360	,	,	PUNCT
fsr-3526	1	361	1994	1994	NUM
fsr-3526	1	362	-	-	SYM
fsr-3526	1	363	95	95	NUM
fsr-3526	1	364	illinois	illinois	PROPN
fsr-3526	1	365	state	state	PROPN
fsr-3526	1	366	university	university	PROPN
fsr-3526	1	367	ted	te	VERB
fsr-3526	1	368	veit	veit	PROPN
fsr-3526	1	369	,	,	PUNCT
fsr-3526	1	370	1993	1993	NUM
fsr-3526	1	371	-	-	SYM
fsr-3526	1	372	94	94	NUM
fsr-3526	1	373	rollins	rollins	PROPN
fsr-3526	1	374	college	college	PROPN
fsr-3526	1	375	mona	mona	PROPN
fsr-3526	1	376	gardner	gardner	PROPN
fsr-3526	1	377	,	,	PUNCT
fsr-3526	1	378	1992	1992	NUM
fsr-3526	1	379	-	-	SYM
fsr-3526	1	380	93	93	NUM
fsr-3526	1	381	illinois	illinois	PROPN
fsr-3526	1	382	wesleyan	wesleyan	PROPN
fsr-3526	1	383	university	university	PROPN
fsr-3526	1	384	jean	jean	PROPN
fsr-3526	1	385	l.	l.	PROPN
fsr-3526	1	386	heck	heck	PROPN
fsr-3526	1	387	,	,	PUNCT
fsr-3526	1	388	1991	1991	NUM
fsr-3526	1	389	-	-	SYM
fsr-3526	1	390	92	92	NUM
fsr-3526	1	391	villanova	villanova	PROPN
fsr-3526	1	392	university	university	PROPN
fsr-3526	1	393	frank	frank	PROPN
fsr-3526	1	394	k.	k.	PROPN
fsr-3526	1	395	reilly	reilly	PROPN
fsr-3526	1	396	,	,	PUNCT
fsr-3526	1	397	1990	1990	NUM
fsr-3526	1	398	-	-	SYM
fsr-3526	1	399	91	91	NUM
fsr-3526	1	400	university	university	NOUN
fsr-3526	1	401	of	of	ADP
fsr-3526	1	402	notre	notre	PROPN
fsr-3526	1	403	dame	dame	PROPN
fsr-3526	1	404	lawrence	lawrence	PROPN
fsr-3526	1	405	j.	j.	PROPN
fsr-3526	1	406	gitman	gitman	PROPN
fsr-3526	1	407	,	,	PUNCT
fsr-3526	1	408	1989	1989	NUM
fsr-3526	1	409	-	-	SYM
fsr-3526	1	410	90	90	NUM
fsr-3526	1	411	san	san	PROPN
fsr-3526	1	412	diego	diego	PROPN
fsr-3526	1	413	state	state	PROPN
fsr-3526	1	414	university	university	PROPN
fsr-3526	1	415	travis	travis	PROPN
fsr-3526	1	416	s.	s.	PROPN
fsr-3526	1	417	pritchett	pritchett	PROPN
fsr-3526	1	418	,	,	PUNCT
fsr-3526	1	419	1988	1988	NUM
fsr-3526	1	420	-	-	SYM
fsr-3526	1	421	89	89	NUM
fsr-3526	1	422	university	university	NOUN
fsr-3526	1	423	of	of	ADP
fsr-3526	1	424	south	south	PROPN
fsr-3526	1	425	carolina	carolina	PROPN
fsr-3526	1	426	tom	tom	PROPN
fsr-3526	1	427	potts	potts	PROPN
fsr-3526	1	428	,	,	PUNCT
fsr-3526	1	429	1987	1987	NUM
fsr-3526	1	430	-	-	SYM
fsr-3526	1	431	88	88	NUM
fsr-3526	1	432	baylor	baylor	NOUN
fsr-3526	1	433	university	university	PROPN
fsr-3526	1	434	robert	robert	PROPN
fsr-3526	1	435	f.	f.	PROPN
fsr-3526	1	436	bohn	bohn	PROPN
fsr-3526	1	437	,	,	PUNCT
fsr-3526	1	438	1986	1986	NUM
fsr-3526	1	439	-	-	SYM
fsr-3526	1	440	87	87	NUM
fsr-3526	1	441	golden	golden	PROPN
fsr-3526	1	442	gate	gate	PROPN
fsr-3526	1	443	university	university	PROPN
fsr-3526	1	444	tom	tom	PROPN
fsr-3526	1	445	warschauer	warschauer	PROPN
fsr-3526	1	446	,	,	PUNCT
fsr-3526	1	447	1985	1985	NUM
fsr-3526	1	448	-	-	SYM
fsr-3526	1	449	86	86	NUM
fsr-3526	1	450	san	san	PROPN
fsr-3526	1	451	diego	diego	PROPN
fsr-3526	1	452	state	state	PROPN
fsr-3526	1	453	university	university	PROPN
fsr-3526	1	454	published	publish	VERB
fsr-3526	1	455	in	in	ADP
fsr-3526	1	456	collaboration	collaboration	NOUN
fsr-3526	1	457	with	with	ADP
fsr-3526	1	458	the	the	DET
fsr-3526	1	459	financial	financial	ADJ
fsr-3526	1	460	planning	planning	PROPN
fsr-3526	1	461	association	association	PROPN
fsr-3526	1	462	financial	financial	PROPN
fsr-3526	1	463	services	service	NOUN
fsr-3526	1	464	review	review	NOUN
fsr-3526	1	465	is	be	AUX
fsr-3526	1	466	the	the	DET
fsr-3526	1	467	journal	journal	NOUN
fsr-3526	1	468	of	of	ADP
fsr-3526	1	469	the	the	DET
fsr-3526	1	470	academy	academy	NOUN
fsr-3526	1	471	of	of	ADP
fsr-3526	1	472	financial	financial	ADJ
fsr-3526	1	473	services	service	NOUN
fsr-3526	1	474	,	,	PUNCT
fsr-3526	1	475	published	publish	VERB
fsr-3526	1	476	in	in	ADP
fsr-3526	1	477	collaboration	collaboration	NOUN
fsr-3526	1	478	with	with	ADP
fsr-3526	1	479	the	the	DET
fsr-3526	1	480	financial	financial	ADJ
fsr-3526	1	481	planning	planning	PROPN
fsr-3526	1	482	association	association	PROPN
fsr-3526	1	483	.	.	PUNCT
fsr-3526	2	1	membership	membership	NOUN
fsr-3526	2	2	dues	due	NOUN
fsr-3526	2	3	of	of	ADP
fsr-3526	2	4	$	$	SYM
fsr-3526	2	5	125	125	NUM
fsr-3526	2	6	to	to	ADP
fsr-3526	2	7	the	the	DET
fsr-3526	2	8	academy	academy	NOUN
fsr-3526	2	9	include	include	VERB
fsr-3526	2	10	a	a	DET
fsr-3526	2	11	one	one	NUM
fsr-3526	2	12	-	-	PUNCT
fsr-3526	2	13	year	year	NOUN
fsr-3526	2	14	subscription	subscription	NOUN
fsr-3526	2	15	to	to	ADP
fsr-3526	2	16	the	the	DET
fsr-3526	2	17	journal	journal	NOUN
fsr-3526	2	18	.	.	PUNCT
fsr-3526	3	1	financial	financial	ADJ
fsr-3526	3	2	planning	planning	PROPN
fsr-3526	3	3	association	association	NOUN
fsr-3526	3	4	members	member	NOUN
fsr-3526	3	5	receive	receive	VERB
fsr-3526	3	6	digital	digital	ADJ
fsr-3526	3	7	access	access	NOUN
fsr-3526	3	8	to	to	ADP
fsr-3526	3	9	the	the	DET
fsr-3526	3	10	current	current	ADJ
fsr-3526	3	11	volume	volume	NOUN
fsr-3526	3	12	/	/	SYM
fsr-3526	3	13	issue	issue	NOUN
fsr-3526	3	14	of	of	ADP
fsr-3526	3	15	the	the	DET
fsr-3526	3	16	journal	journal	NOUN
fsr-3526	3	17	.	.	PUNCT
fsr-3526	4	1	institutional	institutional	ADJ
fsr-3526	4	2	membership	membership	NOUN
fsr-3526	4	3	to	to	ADP
fsr-3526	4	4	academy	academy	PROPN
fsr-3526	4	5	of	of	ADP
fsr-3526	4	6	financial	financial	ADJ
fsr-3526	4	7	services	service	NOUN
fsr-3526	4	8	is	be	AUX
fsr-3526	4	9	$	$	SYM
fsr-3526	4	10	250	250	NUM
fsr-3526	4	11	and	and	CCONJ
fsr-3526	4	12	includes	include	VERB
fsr-3526	4	13	the	the	DET
fsr-3526	4	14	four	four	NUM
fsr-3526	4	15	annual	annual	ADJ
fsr-3526	4	16	issues	issue	NOUN
fsr-3526	4	17	of	of	ADP
fsr-3526	4	18	fsr	fsr	PROPN
fsr-3526	4	19	.	.	PUNCT
fsr-3526	5	1	how	how	SCONJ
fsr-3526	5	2	to	to	PART
fsr-3526	5	3	submit	submit	VERB
fsr-3526	5	4	:	:	PUNCT
fsr-3526	5	5	there	there	PRON
fsr-3526	5	6	is	be	VERB
fsr-3526	5	7	a	a	DET
fsr-3526	5	8	$	$	SYM
fsr-3526	5	9	100	100	NUM
fsr-3526	5	10	submission	submission	NOUN
fsr-3526	5	11	fee	fee	NOUN
fsr-3526	5	12	payable	payable	ADJ
fsr-3526	5	13	to	to	ADP
fsr-3526	5	14	the	the	DET
fsr-3526	5	15	academy	academy	NOUN
fsr-3526	5	16	of	of	ADP
fsr-3526	5	17	financial	financial	ADJ
fsr-3526	5	18	services	service	NOUN
fsr-3526	5	19	(	(	PUNCT
fsr-3526	5	20	afs	afs	NOUN
fsr-3526	5	21	)	)	PUNCT
fsr-3526	5	22	for	for	ADP
fsr-3526	5	23	all	all	DET
fsr-3526	5	24	submissions	submission	NOUN
fsr-3526	5	25	to	to	ADP
fsr-3526	5	26	fsr	fsr	PROPN
fsr-3526	5	27	.	.	PUNCT
fsr-3526	6	1	submission	submission	NOUN
fsr-3526	6	2	fees	fee	NOUN
fsr-3526	6	3	should	should	AUX
fsr-3526	6	4	be	be	AUX
fsr-3526	6	5	paid	pay	VERB
fsr-3526	6	6	online	online	ADV
fsr-3526	6	7	at	at	ADP
fsr-3526	6	8	academyfinancial.org	academyfinancial.org	NOUN
fsr-3526	6	9	.	.	PUNCT
fsr-3526	7	1	if	if	SCONJ
fsr-3526	7	2	none	none	NOUN
fsr-3526	7	3	of	of	ADP
fsr-3526	7	4	the	the	DET
fsr-3526	7	5	authors	author	NOUN
fsr-3526	7	6	is	be	AUX
fsr-3526	7	7	a	a	DET
fsr-3526	7	8	member	member	NOUN
fsr-3526	7	9	of	of	ADP
fsr-3526	7	10	afs	afs	NOUN
fsr-3526	7	11	,	,	PUNCT
fsr-3526	7	12	please	please	INTJ
fsr-3526	7	13	complete	complete	VERB
fsr-3526	7	14	an	an	DET
fsr-3526	7	15	online	online	ADJ
fsr-3526	7	16	membership	membership	NOUN
fsr-3526	7	17	application	application	NOUN
fsr-3526	7	18	form	form	NOUN
fsr-3526	7	19	,	,	PUNCT
fsr-3526	7	20	which	which	PRON
fsr-3526	7	21	can	can	AUX
fsr-3526	7	22	be	be	AUX
fsr-3526	7	23	downloaded	download	VERB
fsr-3526	7	24	at	at	ADP
fsr-3526	7	25	http://academyfinancial.org	http://academyfinancial.org	PROPN
fsr-3526	7	26	.	.	PUNCT
fsr-3526	8	1	when	when	SCONJ
fsr-3526	8	2	authors	author	NOUN
fsr-3526	8	3	pay	pay	VERB
fsr-3526	8	4	the	the	DET
fsr-3526	8	5	$	$	SYM
fsr-3526	8	6	100	100	NUM
fsr-3526	8	7	submission	submission	NOUN
fsr-3526	8	8	fee	fee	NOUN
fsr-3526	8	9	and	and	CCONJ
fsr-3526	8	10	are	be	AUX
fsr-3526	8	11	not	not	PART
fsr-3526	8	12	currently	currently	ADV
fsr-3526	8	13	members	member	NOUN
fsr-3526	8	14	,	,	PUNCT
fsr-3526	8	15	they	they	PRON
fsr-3526	8	16	receive	receive	VERB
fsr-3526	8	17	their	their	PRON
fsr-3526	8	18	first	first	ADJ
fsr-3526	8	19	year	year	NOUN
fsr-3526	8	20	of	of	ADP
fsr-3526	8	21	afs	afs	NOUN
fsr-3526	8	22	membership	membership	NOUN
fsr-3526	8	23	at	at	ADP
fsr-3526	8	24	no	no	DET
fsr-3526	8	25	charge	charge	NOUN
fsr-3526	8	26	.	.	PUNCT
fsr-3526	9	1	a	a	DET
fsr-3526	9	2	submission	submission	NOUN
fsr-3526	9	3	fee	fee	NOUN
fsr-3526	9	4	of	of	ADP
fsr-3526	9	5	$	$	SYM
fsr-3526	9	6	100	100	NUM
fsr-3526	9	7	per	per	ADP
fsr-3526	9	8	article	article	NOUN
fsr-3526	9	9	should	should	AUX
fsr-3526	9	10	be	be	AUX
fsr-3526	9	11	paid	pay	VERB
fsr-3526	9	12	at	at	ADP
fsr-3526	9	13	:	:	PUNCT
fsr-3526	9	14	https://academyoffinancialservices.wildapricot.org/submit-an-article	https://academyoffinancialservices.wildapricot.org/submit-an-article	PROPN
fsr-3526	9	15	.	.	PUNCT
fsr-3526	10	1	submit	submit	VERB
fsr-3526	10	2	your	your	PRON
fsr-3526	10	3	article	article	NOUN
fsr-3526	10	4	electronically	electronically	ADV
fsr-3526	10	5	as	as	ADP
fsr-3526	10	6	an	an	DET
fsr-3526	10	7	email	email	NOUN
fsr-3526	10	8	attachment	attachment	NOUN
fsr-3526	10	9	in	in	ADP
fsr-3526	10	10	word	word	NOUN
fsr-3526	10	11	format	format	NOUN
fsr-3526	10	12	only	only	ADV
fsr-3526	10	13	(	(	PUNCT
fsr-3526	10	14	no	no	DET
fsr-3526	10	15	pdfs	pdfs	NOUN
fsr-3526	10	16	please	please	INTJ
fsr-3526	10	17	)	)	PUNCT
fsr-3526	10	18	to	to	ADP
fsr-3526	10	19	the	the	DET
fsr-3526	10	20	editor	editor	NOUN
fsr-3526	10	21	terrance	terrance	PROPN
fsr-3526	10	22	k.	k.	PROPN
fsr-3526	10	23	martin	martin	PROPN
fsr-3526	10	24	at	at	ADP
fsr-3526	10	25	martintk@wssu.edu	martintk@wssu.edu	PROPN
fsr-3526	10	26	.	.	PUNCT
fsr-3526	11	1	style	style	NOUN
fsr-3526	11	2	information	information	NOUN
fsr-3526	11	3	for	for	ADP
fsr-3526	11	4	the	the	DET
fsr-3526	11	5	manuscripts	manuscript	NOUN
fsr-3526	11	6	can	can	AUX
fsr-3526	11	7	be	be	AUX
fsr-3526	11	8	found	find	VERB
fsr-3526	11	9	on	on	ADP
fsr-3526	11	10	the	the	DET
fsr-3526	11	11	inside	inside	ADJ
fsr-3526	11	12	back	back	ADJ
fsr-3526	11	13	cover	cover	NOUN
fsr-3526	11	14	of	of	ADP
fsr-3526	11	15	this	this	DET
fsr-3526	11	16	journal	journal	NOUN
fsr-3526	11	17	.	.	PUNCT
fsr-3526	12	1	copyright	copyright	NOUN
fsr-3526	12	2	©	©	PROPN
fsr-3526	12	3	2023	2023	NUM
fsr-3526	12	4	academy	academy	NOUN
fsr-3526	12	5	of	of	ADP
fsr-3526	12	6	financial	financial	ADJ
fsr-3526	12	7	services	service	NOUN
fsr-3526	12	8	.	.	PUNCT
fsr-3526	13	1	all	all	DET
fsr-3526	13	2	rights	right	NOUN
fsr-3526	13	3	of	of	ADP
fsr-3526	13	4	reproduction	reproduction	NOUN
fsr-3526	13	5	in	in	ADP
fsr-3526	13	6	any	any	DET
fsr-3526	13	7	form	form	NOUN
fsr-3526	13	8	reserved	reserve	VERB
fsr-3526	13	9	.	.	PUNCT
fsr-3526	14	1	financial	financial	ADJ
fsr-3526	14	2	services	service	NOUN
fsr-3526	14	3	review	review	VERB
fsr-3526	14	4	the	the	DET
fsr-3526	14	5	journal	journal	NOUN
fsr-3526	14	6	of	of	ADP
fsr-3526	14	7	individual	individual	ADJ
fsr-3526	14	8	financial	financial	ADJ
fsr-3526	14	9	management	management	NOUN
fsr-3526	14	10	vol	vol	NOUN
fsr-3526	14	11	.	.	PUNCT
fsr-3526	15	1	31	31	NUM
fsr-3526	15	2	,	,	PUNCT
fsr-3526	15	3	nos	nos	X
fsr-3526	15	4	.	.	PROPN
fsr-3526	15	5	2	2	NUM
fsr-3526	15	6	&	&	CCONJ
fsr-3526	15	7	3	3	NUM
fsr-3526	15	8	,	,	PUNCT
fsr-3526	15	9	2023	2023	NUM
fsr-3526	15	10	editor	editor	NOUN
fsr-3526	15	11	terrance	terrance	PROPN
fsr-3526	15	12	k.	k.	PROPN
fsr-3526	15	13	martin	martin	PROPN
fsr-3526	15	14	,	,	PUNCT
fsr-3526	15	15	winston	winston	PROPN
fsr-3526	15	16	-	-	PUNCT
fsr-3526	15	17	salem	salem	PROPN
fsr-3526	15	18	state	state	NOUN
fsr-3526	15	19	university	university	NOUN
fsr-3526	15	20	associate	associate	NOUN
fsr-3526	15	21	editors	editor	NOUN
fsr-3526	15	22	benefits	benefit	NOUN
fsr-3526	15	23	and	and	CCONJ
fsr-3526	15	24	retirement	retirement	NOUN
fsr-3526	15	25	planning	planning	NOUN
fsr-3526	15	26	vickie	vickie	PROPN
fsr-3526	15	27	bajtelsmit	bajtelsmit	PROPN
fsr-3526	15	28	colorado	colorado	PROPN
fsr-3526	15	29	state	state	PROPN
fsr-3526	15	30	university	university	PROPN
fsr-3526	15	31	stephen	stephen	PROPN
fsr-3526	15	32	m.	m.	PROPN
fsr-3526	15	33	horan	horan	PROPN
fsr-3526	15	34	cfa	cfa	PROPN
fsr-3526	15	35	institute	institute	PROPN
fsr-3526	15	36	walter	walter	PROPN
fsr-3526	15	37	woerheide	woerheide	VERB
fsr-3526	15	38	the	the	DET
fsr-3526	15	39	american	american	PROPN
fsr-3526	15	40	college	college	PROPN
fsr-3526	15	41	estate	estate	PROPN
fsr-3526	15	42	planning	planning	PROPN
fsr-3526	15	43	anne	anne	PROPN
fsr-3526	15	44	wenger	wenger	PROPN
fsr-3526	15	45	san	san	PROPN
fsr-3526	15	46	diego	diego	PROPN
fsr-3526	15	47	state	state	PROPN
fsr-3526	15	48	university	university	PROPN
fsr-3526	15	49	giovanni	giovanni	PROPN
fsr-3526	15	50	fernandez	fernandez	PROPN
fsr-3526	15	51	stetson	stetson	PROPN
fsr-3526	15	52	university	university	PROPN
fsr-3526	15	53	investments	investments	PROPN
fsr-3526	16	1	robert	robert	PROPN
fsr-3526	16	2	brooks	brooks	PROPN
fsr-3526	16	3	university	university	PROPN
fsr-3526	16	4	of	of	ADP
fsr-3526	16	5	alabama	alabama	PROPN
fsr-3526	16	6	john	john	PROPN
fsr-3526	16	7	clinebell	clinebell	PROPN
fsr-3526	16	8	university	university	PROPN
fsr-3526	16	9	of	of	ADP
fsr-3526	16	10	northern	northern	PROPN
fsr-3526	16	11	colorado	colorado	PROPN
fsr-3526	16	12	james	james	PROPN
fsr-3526	16	13	dilellio	dilellio	PROPN
fsr-3526	16	14	pepperdine	pepperdine	PROPN
fsr-3526	16	15	university	university	PROPN
fsr-3526	16	16	dale	dale	PROPN
fsr-3526	16	17	domian	domian	PROPN
fsr-3526	16	18	york	york	PROPN
fsr-3526	16	19	university	university	PROPN
fsr-3526	16	20	jim	jim	PROPN
fsr-3526	16	21	gilkeson	gilkeson	PROPN
fsr-3526	16	22	university	university	PROPN
fsr-3526	16	23	of	of	ADP
fsr-3526	16	24	central	central	PROPN
fsr-3526	16	25	florida	florida	PROPN
fsr-3526	16	26	william	william	PROPN
fsr-3526	16	27	jennings	jennings	PROPN
fsr-3526	16	28	united	united	PROPN
fsr-3526	16	29	states	states	PROPN
fsr-3526	16	30	air	air	PROPN
fsr-3526	16	31	force	force	PROPN
fsr-3526	16	32	academy	academy	PROPN
fsr-3526	16	33	david	david	PROPN
fsr-3526	16	34	nanigian	nanigian	PROPN
fsr-3526	16	35	csu	csu	PROPN
fsr-3526	16	36	fullerton	fullerton	PROPN
fsr-3526	16	37	insurance	insurance	PROPN
fsr-3526	16	38	larry	larry	PROPN
fsr-3526	16	39	cox	cox	PROPN
fsr-3526	16	40	university	university	PROPN
fsr-3526	16	41	of	of	ADP
fsr-3526	16	42	mississippi	mississippi	PROPN
fsr-3526	16	43	financial	financial	PROPN
fsr-3526	16	44	planning	planning	PROPN
fsr-3526	16	45	swarn	swarn	PROPN
fsr-3526	16	46	chatterjee	chatterjee	PROPN
fsr-3526	16	47	university	university	PROPN
fsr-3526	16	48	of	of	ADP
fsr-3526	16	49	georgia	georgia	PROPN
fsr-3526	16	50	sherman	sherman	PROPN
fsr-3526	16	51	hanna	hanna	PROPN
fsr-3526	16	52	ohio	ohio	PROPN
fsr-3526	16	53	state	state	PROPN
fsr-3526	16	54	university	university	PROPN
fsr-3526	16	55	patti	patti	PROPN
fsr-3526	16	56	fisher	fisher	PROPN
fsr-3526	16	57	virginia	virginia	PROPN
fsr-3526	16	58	tech	tech	PROPN
fsr-3526	16	59	university	university	PROPN
fsr-3526	16	60	wade	wade	PROPN
fsr-3526	16	61	d.	d.	PROPN
fsr-3526	16	62	pfau	pfau	VERB
fsr-3526	16	63	the	the	DET
fsr-3526	16	64	american	american	PROPN
fsr-3526	16	65	college	college	PROPN
fsr-3526	16	66	john	john	PROPN
fsr-3526	16	67	salter	salter	PROPN
fsr-3526	16	68	texas	texas	PROPN
fsr-3526	16	69	tech	tech	PROPN
fsr-3526	16	70	university	university	PROPN
fsr-3526	16	71	financial	financial	ADJ
fsr-3526	16	72	institutions	institution	NOUN
fsr-3526	16	73	stanley	stanley	PROPN
fsr-3526	16	74	d.	d.	PROPN
fsr-3526	16	75	smith	smith	PROPN
fsr-3526	16	76	university	university	PROPN
fsr-3526	16	77	of	of	ADP
fsr-3526	16	78	central	central	PROPN
fsr-3526	16	79	florida	florida	PROPN
fsr-3526	16	80	investor	investor	NOUN
fsr-3526	16	81	psychology	psychology	NOUN
fsr-3526	16	82	and	and	CCONJ
fsr-3526	16	83	counseling	counsel	VERB
fsr-3526	16	84	john	john	PROPN
fsr-3526	16	85	nofsinger	nofsinger	PROPN
fsr-3526	16	86	washington	washington	PROPN
fsr-3526	16	87	state	state	PROPN
fsr-3526	16	88	university	university	PROPN
fsr-3526	16	89	meir	meir	PROPN
fsr-3526	16	90	statman	statman	PROPN
fsr-3526	16	91	santa	santa	PROPN
fsr-3526	16	92	clara	clara	PROPN
fsr-3526	16	93	university	university	PROPN
fsr-3526	16	94	financial	financial	ADJ
fsr-3526	16	95	literacy	literacy	NOUN
fsr-3526	16	96	ning	ning	PROPN
fsr-3526	16	97	tang	tang	PROPN
fsr-3526	16	98	san	san	PROPN
fsr-3526	16	99	diego	diego	PROPN
fsr-3526	16	100	state	state	PROPN
fsr-3526	16	101	university	university	PROPN
fsr-3526	16	102	international	international	PROPN
fsr-3526	16	103	lawrence	lawrence	PROPN
fsr-3526	16	104	rose	rise	VERB
fsr-3526	16	105	massey	massey	PROPN
fsr-3526	16	106	university	university	PROPN
fsr-3526	16	107	education	education	PROPN
fsr-3526	16	108	jerry	jerry	PROPN
fsr-3526	16	109	stevens	stevens	PROPN
fsr-3526	16	110	university	university	PROPN
fsr-3526	16	111	of	of	ADP
fsr-3526	16	112	richmond	richmond	PROPN
fsr-3526	16	113	financial	financial	ADJ
fsr-3526	16	114	planning	planning	NOUN
fsr-3526	16	115	profession	profession	NOUN
fsr-3526	16	116	tom	tom	PROPN
fsr-3526	16	117	warschauer	warschauer	PROPN
fsr-3526	16	118	san	san	PROPN
fsr-3526	16	119	diego	diego	PROPN
fsr-3526	16	120	state	state	PROPN
fsr-3526	16	121	university	university	PROPN
fsr-3526	16	122	co	co	VERB
fsr-3526	16	123	-	-	VERB
fsr-3526	16	124	published	publish	VERB
fsr-3526	16	125	by	by	ADP
fsr-3526	16	126	the	the	DET
fsr-3526	16	127	academy	academy	NOUN
fsr-3526	16	128	of	of	ADP
fsr-3526	16	129	financial	financial	ADJ
fsr-3526	16	130	services	service	NOUN
fsr-3526	16	131	and	and	CCONJ
fsr-3526	16	132	the	the	DET
fsr-3526	16	133	financial	financial	ADJ
fsr-3526	16	134	planning	planning	NOUN
fsr-3526	16	135	association	association	PROPN
fsr-3526	16	136	the	the	DET
fsr-3526	16	137	editor	editor	NOUN
fsr-3526	16	138	of	of	ADP
fsr-3526	16	139	financial	financial	ADJ
fsr-3526	16	140	services	service	NOUN
fsr-3526	16	141	review	review	VERB
fsr-3526	16	142	wishes	wish	VERB
fsr-3526	16	143	to	to	PART
fsr-3526	16	144	thank	thank	VERB
fsr-3526	16	145	the	the	DET
fsr-3526	16	146	stetson	stetson	NOUN
fsr-3526	16	147	university	university	NOUN
fsr-3526	16	148	,	,	PUNCT
fsr-3526	16	149	school	school	NOUN
fsr-3526	16	150	of	of	ADP
fsr-3526	16	151	business	business	NOUN
fsr-3526	16	152	,	,	PUNCT
fsr-3526	16	153	for	for	ADP
fsr-3526	16	154	its	its	PRON
fsr-3526	16	155	continuing	continue	VERB
fsr-3526	16	156	financial	financial	ADJ
fsr-3526	16	157	and	and	CCONJ
fsr-3526	16	158	intellectual	intellectual	ADJ
fsr-3526	16	159	support	support	NOUN
fsr-3526	16	160	of	of	ADP
fsr-3526	16	161	the	the	DET
fsr-3526	16	162	journal	journal	NOUN
fsr-3526	16	163	.	.	PUNCT
fsr-3526	17	1	aims	aim	NOUN
fsr-3526	17	2	and	and	CCONJ
fsr-3526	17	3	scope	scope	NOUN
fsr-3526	17	4	:	:	PUNCT
fsr-3526	17	5	financial	financial	ADJ
fsr-3526	17	6	services	service	NOUN
fsr-3526	17	7	review	review	NOUN
fsr-3526	17	8	is	be	AUX
fsr-3526	17	9	the	the	DET
fsr-3526	17	10	official	official	ADJ
fsr-3526	17	11	publication	publication	NOUN
fsr-3526	17	12	of	of	ADP
fsr-3526	17	13	the	the	DET
fsr-3526	17	14	academy	academy	NOUN
fsr-3526	17	15	of	of	ADP
fsr-3526	17	16	financial	financial	ADJ
fsr-3526	17	17	services	service	NOUN
fsr-3526	17	18	.	.	PUNCT
fsr-3526	18	1	the	the	DET
fsr-3526	18	2	purpose	purpose	NOUN
fsr-3526	18	3	of	of	ADP
fsr-3526	18	4	this	this	DET
fsr-3526	18	5	refereed	refereed	ADJ
fsr-3526	18	6	academic	academic	ADJ
fsr-3526	18	7	journal	journal	NOUN
fsr-3526	18	8	is	be	AUX
fsr-3526	18	9	to	to	PART
fsr-3526	18	10	encourage	encourage	VERB
fsr-3526	18	11	rigorous	rigorous	ADJ
fsr-3526	18	12	empirical	empirical	ADJ
fsr-3526	18	13	research	research	NOUN
fsr-3526	18	14	that	that	PRON
fsr-3526	18	15	examines	examine	VERB
fsr-3526	18	16	individual	individual	ADJ
fsr-3526	18	17	behavior	behavior	NOUN
fsr-3526	18	18	in	in	ADP
fsr-3526	18	19	terms	term	NOUN
fsr-3526	18	20	of	of	ADP
fsr-3526	18	21	financial	financial	ADJ
fsr-3526	18	22	planning	planning	NOUN
fsr-3526	18	23	and	and	CCONJ
fsr-3526	18	24	services	service	NOUN
fsr-3526	18	25	.	.	PUNCT
fsr-3526	19	1	in	in	ADP
fsr-3526	19	2	contrast	contrast	NOUN
fsr-3526	19	3	to	to	ADP
fsr-3526	19	4	the	the	DET
fsr-3526	19	5	many	many	ADJ
fsr-3526	19	6	corporate	corporate	ADJ
fsr-3526	19	7	or	or	CCONJ
fsr-3526	19	8	institutional	institutional	ADJ
fsr-3526	19	9	journals	journal	NOUN
fsr-3526	19	10	that	that	PRON
fsr-3526	19	11	are	be	AUX
fsr-3526	19	12	available	available	ADJ
fsr-3526	19	13	in	in	ADP
fsr-3526	19	14	finance	finance	NOUN
fsr-3526	19	15	,	,	PUNCT
fsr-3526	19	16	the	the	DET
fsr-3526	19	17	focus	focus	NOUN
fsr-3526	19	18	of	of	ADP
fsr-3526	19	19	this	this	DET
fsr-3526	19	20	journal	journal	NOUN
fsr-3526	19	21	is	be	AUX
fsr-3526	19	22	on	on	ADP
fsr-3526	19	23	individual	individual	ADJ
fsr-3526	19	24	financial	financial	ADJ
fsr-3526	19	25	issues	issue	NOUN
fsr-3526	19	26	.	.	PUNCT
fsr-3526	20	1	the	the	DET
fsr-3526	20	2	journal	journal	NOUN
fsr-3526	20	3	provides	provide	VERB
fsr-3526	20	4	a	a	DET
fsr-3526	20	5	forum	forum	NOUN
fsr-3526	20	6	for	for	ADP
fsr-3526	20	7	those	those	PRON
fsr-3526	20	8	who	who	PRON
fsr-3526	20	9	are	be	AUX
fsr-3526	20	10	interested	interested	ADJ
fsr-3526	20	11	in	in	ADP
fsr-3526	20	12	the	the	DET
fsr-3526	20	13	individual	individual	ADJ
fsr-3526	20	14	perspective	perspective	NOUN
fsr-3526	20	15	on	on	ADP
fsr-3526	20	16	issues	issue	NOUN
fsr-3526	20	17	in	in	ADP
fsr-3526	20	18	the	the	DET
fsr-3526	20	19	areas	area	NOUN
fsr-3526	20	20	of	of	ADP
fsr-3526	20	21	financial	financial	ADJ
fsr-3526	20	22	services	service	NOUN
fsr-3526	20	23	,	,	PUNCT
fsr-3526	20	24	employee	employee	NOUN
fsr-3526	20	25	benefits	benefit	NOUN
fsr-3526	20	26	,	,	PUNCT
fsr-3526	20	27	estate	estate	NOUN
fsr-3526	20	28	and	and	CCONJ
fsr-3526	20	29	tax	tax	NOUN
fsr-3526	20	30	planning	planning	NOUN
fsr-3526	20	31	,	,	PUNCT
fsr-3526	20	32	financial	financial	ADJ
fsr-3526	20	33	counseling	counseling	NOUN
fsr-3526	20	34	,	,	PUNCT
fsr-3526	20	35	financial	financial	ADJ
fsr-3526	20	36	planning	planning	NOUN
fsr-3526	20	37	,	,	PUNCT
fsr-3526	20	38	insurance	insurance	NOUN
fsr-3526	20	39	,	,	PUNCT
fsr-3526	20	40	investments	investment	NOUN
fsr-3526	20	41	,	,	PUNCT
fsr-3526	20	42	mutual	mutual	ADJ
fsr-3526	20	43	funds	fund	NOUN
fsr-3526	20	44	,	,	PUNCT
fsr-3526	20	45	pension	pension	NOUN
fsr-3526	20	46	and	and	CCONJ
fsr-3526	20	47	retirement	retirement	NOUN
fsr-3526	20	48	planning	planning	NOUN
fsr-3526	20	49	,	,	PUNCT
fsr-3526	20	50	and	and	CCONJ
fsr-3526	20	51	real	real	ADJ
fsr-3526	20	52	estate	estate	NOUN
fsr-3526	20	53	.	.	PUNCT
fsr-3526	21	1	publication	publication	NOUN
fsr-3526	21	2	information	information	NOUN
fsr-3526	21	3	.	.	PUNCT
fsr-3526	22	1	financial	financial	ADJ
fsr-3526	22	2	services	service	NOUN
fsr-3526	22	3	review	review	NOUN
fsr-3526	22	4	is	be	AUX
fsr-3526	22	5	co	co	VERB
fsr-3526	22	6	-	-	VERB
fsr-3526	22	7	published	publish	VERB
fsr-3526	22	8	quarterly	quarterly	NOUN
fsr-3526	22	9	by	by	ADP
fsr-3526	22	10	the	the	DET
fsr-3526	22	11	academy	academy	PROPN
fsr-3526	22	12	of	of	ADP
fsr-3526	22	13	financial	financial	ADJ
fsr-3526	22	14	services	service	NOUN
fsr-3526	22	15	,	,	PUNCT
fsr-3526	22	16	and	and	CCONJ
fsr-3526	22	17	the	the	DET
fsr-3526	22	18	financial	financial	ADJ
fsr-3526	22	19	planning	planning	PROPN
fsr-3526	22	20	association	association	PROPN
fsr-3526	22	21	.	.	PUNCT
fsr-3526	23	1	institutional	institutional	ADJ
fsr-3526	23	2	subscription	subscription	NOUN
fsr-3526	23	3	price	price	NOUN
fsr-3526	23	4	is	be	AUX
fsr-3526	23	5	$	$	SYM
fsr-3526	23	6	250	250	NUM
fsr-3526	23	7	.	.	PUNCT
fsr-3526	24	1	academic	academic	ADJ
fsr-3526	24	2	subscription	subscription	NOUN
fsr-3526	24	3	price	price	NOUN
fsr-3526	24	4	is	be	AUX
fsr-3526	24	5	$	$	SYM
fsr-3526	24	6	125	125	NUM
fsr-3526	24	7	and	and	CCONJ
fsr-3526	24	8	is	be	AUX
fsr-3526	24	9	available	available	ADJ
fsr-3526	24	10	by	by	ADP
fsr-3526	24	11	joining	join	VERB
fsr-3526	24	12	the	the	DET
fsr-3526	24	13	academy	academy	NOUN
fsr-3526	24	14	of	of	ADP
fsr-3526	24	15	financial	financial	ADJ
fsr-3526	24	16	services	service	NOUN
fsr-3526	24	17	.	.	PUNCT
fsr-3526	25	1	academic	academic	ADJ
fsr-3526	25	2	subscription	subscription	NOUN
fsr-3526	25	3	includes	include	VERB
fsr-3526	25	4	four	four	NUM
fsr-3526	25	5	emailed	email	VERB
fsr-3526	25	6	online	online	ADJ
fsr-3526	25	7	issues	issue	NOUN
fsr-3526	25	8	of	of	ADP
fsr-3526	25	9	financial	financial	ADJ
fsr-3526	25	10	services	service	NOUN
fsr-3526	25	11	review	review	VERB
fsr-3526	25	12	each	each	DET
fsr-3526	25	13	year	year	NOUN
fsr-3526	25	14	.	.	PUNCT
fsr-3526	26	1	hardcopies	hardcopie	NOUN
fsr-3526	26	2	of	of	ADP
fsr-3526	26	3	the	the	DET
fsr-3526	26	4	journal	journal	NOUN
fsr-3526	26	5	are	be	AUX
fsr-3526	26	6	available	available	ADJ
fsr-3526	26	7	at	at	ADP
fsr-3526	26	8	additional	additional	ADJ
fsr-3526	26	9	cost	cost	NOUN
fsr-3526	26	10	.	.	PUNCT
fsr-3526	27	1	further	further	ADJ
fsr-3526	27	2	information	information	NOUN
fsr-3526	27	3	on	on	ADP
fsr-3526	27	4	this	this	DET
fsr-3526	27	5	journal	journal	NOUN
fsr-3526	27	6	and	and	CCONJ
fsr-3526	27	7	the	the	DET
fsr-3526	27	8	academy	academy	NOUN
fsr-3526	27	9	of	of	ADP
fsr-3526	27	10	financial	financial	ADJ
fsr-3526	27	11	services	service	NOUN
fsr-3526	27	12	is	be	AUX
fsr-3526	27	13	available	available	ADJ
fsr-3526	27	14	from	from	ADP
fsr-3526	27	15	the	the	DET
fsr-3526	27	16	website	website	NOUN
fsr-3526	27	17	,	,	PUNCT
fsr-3526	27	18	http://www.academyfinancial.org	http://www.academyfinancial.org	PROPN
fsr-3526	27	19	.	.	PUNCT
fsr-3526	28	1	postmaster	postmaster	NOUN
fsr-3526	28	2	and	and	CCONJ
fsr-3526	28	3	subscribers	subscriber	NOUN
fsr-3526	28	4	should	should	AUX
fsr-3526	28	5	send	send	VERB
fsr-3526	28	6	change	change	NOUN
fsr-3526	28	7	of	of	ADP
fsr-3526	28	8	address	address	NOUN
fsr-3526	28	9	notices	notice	NOUN
fsr-3526	28	10	to	to	ADP
fsr-3526	28	11	terrance	terrance	PROPN
fsr-3526	28	12	k.	k.	PROPN
fsr-3526	28	13	martin	martin	PROPN
fsr-3526	28	14	,	,	PUNCT
fsr-3526	28	15	college	college	NOUN
fsr-3526	28	16	of	of	ADP
fsr-3526	28	17	arts	art	NOUN
fsr-3526	28	18	,	,	PUNCT
fsr-3526	28	19	sciences	science	NOUN
fsr-3526	28	20	,	,	PUNCT
fsr-3526	28	21	business	business	NOUN
fsr-3526	28	22	,	,	PUNCT
fsr-3526	28	23	and	and	CCONJ
fsr-3526	28	24	education	education	NOUN
fsr-3526	28	25	,	,	PUNCT
fsr-3526	28	26	reynolds	reynolds	PROPN
fsr-3526	28	27	center	center	PROPN
fsr-3526	28	28	,	,	PUNCT
fsr-3526	28	29	rm	rm	PROPN
fsr-3526	28	30	111	111	NUM
fsr-3526	28	31	,	,	PUNCT
fsr-3526	28	32	winston	winston	NOUN
fsr-3526	28	33	-	-	PUNCT
fsr-3526	28	34	salem	salem	PROPN
fsr-3526	28	35	state	state	NOUN
fsr-3526	28	36	university	university	NOUN
fsr-3526	28	37	,	,	PUNCT
fsr-3526	28	38	601	601	NUM
fsr-3526	28	39	s.	s.	PROPN
fsr-3526	28	40	martin	martin	PROPN
fsr-3526	28	41	luther	luther	PROPN
fsr-3526	28	42	king	king	PROPN
fsr-3526	28	43	jr	jr	PROPN
fsr-3526	28	44	.	.	PROPN
fsr-3526	28	45	drive	drive	PROPN
fsr-3526	28	46	,	,	PUNCT
fsr-3526	28	47	winston	winston	PROPN
fsr-3526	28	48	-	-	PUNCT
fsr-3526	28	49	salem	salem	PROPN
fsr-3526	28	50	,	,	PUNCT
fsr-3526	28	51	north	north	PROPN
fsr-3526	28	52	carolina	carolina	PROPN
fsr-3526	28	53	27110	27110	NUM
fsr-3526	28	54	.	.	PUNCT
fsr-3526	29	1	editorial	editorial	ADJ
fsr-3526	29	2	office	office	NOUN
fsr-3526	29	3	:	:	PUNCT
fsr-3526	29	4	terrance	terrance	PROPN
fsr-3526	29	5	k.	k.	PROPN
fsr-3526	29	6	martin	martin	PROPN
fsr-3526	29	7	,	,	PUNCT
fsr-3526	29	8	college	college	NOUN
fsr-3526	29	9	of	of	ADP
fsr-3526	29	10	arts	art	NOUN
fsr-3526	29	11	,	,	PUNCT
fsr-3526	29	12	sciences	science	NOUN
fsr-3526	29	13	,	,	PUNCT
fsr-3526	29	14	business	business	NOUN
fsr-3526	29	15	,	,	PUNCT
fsr-3526	29	16	and	and	CCONJ
fsr-3526	29	17	education	education	NOUN
fsr-3526	29	18	,	,	PUNCT
fsr-3526	29	19	reynolds	reynolds	PROPN
fsr-3526	29	20	center	center	PROPN
fsr-3526	29	21	,	,	PUNCT
fsr-3526	29	22	rm	rm	PROPN
fsr-3526	29	23	111	111	NUM
fsr-3526	29	24	,	,	PUNCT
fsr-3526	29	25	winston	winston	NOUN
fsr-3526	29	26	-	-	PUNCT
fsr-3526	29	27	salem	salem	PROPN
fsr-3526	29	28	state	state	NOUN
fsr-3526	29	29	university	university	NOUN
fsr-3526	29	30	,	,	PUNCT
fsr-3526	29	31	601	601	NUM
fsr-3526	29	32	s.	s.	PROPN
fsr-3526	29	33	martin	martin	PROPN
fsr-3526	29	34	luther	luther	PROPN
fsr-3526	29	35	king	king	PROPN
fsr-3526	29	36	jr	jr	PROPN
fsr-3526	29	37	.	.	PROPN
fsr-3526	29	38	drive	drive	PROPN
fsr-3526	29	39	,	,	PUNCT
fsr-3526	29	40	winston	winston	PROPN
fsr-3526	29	41	-	-	PUNCT
fsr-3526	29	42	salem	salem	PROPN
fsr-3526	29	43	,	,	PUNCT
fsr-3526	29	44	north	north	PROPN
fsr-3526	29	45	carolina	carolina	PROPN
fsr-3526	29	46	27110	27110	NUM
fsr-3526	29	47	.	.	PUNCT
fsr-3526	30	1	email	email	NOUN
fsr-3526	30	2	address	address	NOUN
fsr-3526	30	3	:	:	PUNCT
fsr-3526	30	4	martintk@wssu.edu	martintk@wssu.edu	PROPN
fsr-3526	30	5	.	.	PUNCT
fsr-3526	30	6	advertising	advertising	NOUN
fsr-3526	30	7	information	information	NOUN
fsr-3526	30	8	.	.	PUNCT
fsr-3526	31	1	those	those	PRON
fsr-3526	31	2	interested	interested	ADJ
fsr-3526	31	3	in	in	ADP
fsr-3526	31	4	advertising	advertising	NOUN
fsr-3526	31	5	in	in	ADP
fsr-3526	31	6	the	the	DET
fsr-3526	31	7	journal	journal	NOUN
fsr-3526	31	8	should	should	AUX
fsr-3526	31	9	contact	contact	VERB
fsr-3526	31	10	terrance	terrance	PROPN
fsr-3526	31	11	k.	k.	PROPN
fsr-3526	31	12	martin	martin	PROPN
fsr-3526	31	13	,	,	PUNCT
fsr-3526	31	14	college	college	NOUN
fsr-3526	31	15	of	of	ADP
fsr-3526	31	16	arts	art	NOUN
fsr-3526	31	17	,	,	PUNCT
fsr-3526	31	18	sciences	science	NOUN
fsr-3526	31	19	,	,	PUNCT
fsr-3526	31	20	business	business	NOUN
fsr-3526	31	21	,	,	PUNCT
fsr-3526	31	22	and	and	CCONJ
fsr-3526	31	23	education	education	NOUN
fsr-3526	31	24	,	,	PUNCT
fsr-3526	31	25	reynolds	reynolds	PROPN
fsr-3526	31	26	center	center	PROPN
fsr-3526	31	27	,	,	PUNCT
fsr-3526	31	28	rm	rm	PROPN
fsr-3526	31	29	111	111	NUM
fsr-3526	31	30	,	,	PUNCT
fsr-3526	31	31	winston	winston	NOUN
fsr-3526	31	32	-	-	PUNCT
fsr-3526	31	33	salem	salem	PROPN
fsr-3526	31	34	state	state	NOUN
fsr-3526	31	35	university	university	NOUN
fsr-3526	31	36	,	,	PUNCT
fsr-3526	31	37	601	601	NUM
fsr-3526	31	38	s.	s.	PROPN
fsr-3526	31	39	martin	martin	PROPN
fsr-3526	31	40	luther	luther	PROPN
fsr-3526	31	41	king	king	PROPN
fsr-3526	31	42	jr	jr	PROPN
fsr-3526	31	43	.	.	PROPN
fsr-3526	31	44	drive	drive	PROPN
fsr-3526	31	45	,	,	PUNCT
fsr-3526	31	46	winston	winston	PROPN
fsr-3526	31	47	-	-	PUNCT
fsr-3526	31	48	salem	salem	PROPN
fsr-3526	31	49	,	,	PUNCT
fsr-3526	31	50	north	north	PROPN
fsr-3526	31	51	carolina	carolina	PROPN
fsr-3526	31	52	27110	27110	NUM
fsr-3526	31	53	.	.	PUNCT
fsr-3526	32	1	email	email	NOUN
fsr-3526	32	2	address	address	NOUN
fsr-3526	32	3	:	:	PUNCT
fsr-3526	32	4	martintk@wssu.edu	martintk@wssu.edu	PROPN
fsr-3526	32	5	printed	print	VERB
fsr-3526	32	6	in	in	ADP
fsr-3526	32	7	the	the	DET
fsr-3526	32	8	usa	usa	PROPN
fsr-3526	32	9	©	©	PROPN
fsr-3526	32	10	2023	2023	NUM
fsr-3526	32	11	academy	academy	NOUN
fsr-3526	32	12	of	of	ADP
fsr-3526	32	13	financial	financial	ADJ
fsr-3526	32	14	services	service	NOUN
fsr-3526	32	15	.	.	PUNCT
fsr-3526	33	1	all	all	DET
fsr-3526	33	2	rights	right	NOUN
fsr-3526	33	3	reserved	reserve	VERB
fsr-3526	33	4	.	.	PUNCT
fsr-3526	34	1	this	this	DET
fsr-3526	34	2	journal	journal	NOUN
fsr-3526	34	3	and	and	CCONJ
fsr-3526	34	4	the	the	DET
fsr-3526	34	5	individual	individual	ADJ
fsr-3526	34	6	contributions	contribution	NOUN
fsr-3526	34	7	contained	contain	VERB
fsr-3526	34	8	in	in	ADP
fsr-3526	34	9	it	it	PRON
fsr-3526	34	10	are	be	AUX
fsr-3526	34	11	protected	protect	VERB
fsr-3526	34	12	under	under	ADP
fsr-3526	34	13	copyright	copyright	NOUN
fsr-3526	34	14	by	by	ADP
fsr-3526	34	15	the	the	DET
fsr-3526	34	16	academy	academy	PROPN
fsr-3526	34	17	of	of	ADP
fsr-3526	34	18	financial	financial	ADJ
fsr-3526	34	19	services	service	NOUN
fsr-3526	34	20	,	,	PUNCT
fsr-3526	34	21	and	and	CCONJ
fsr-3526	34	22	the	the	DET
fsr-3526	34	23	following	follow	VERB
fsr-3526	34	24	terms	term	NOUN
fsr-3526	34	25	and	and	CCONJ
fsr-3526	34	26	conditions	condition	NOUN
fsr-3526	34	27	apply	apply	VERB
fsr-3526	34	28	to	to	ADP
fsr-3526	34	29	their	their	PRON
fsr-3526	34	30	use	use	NOUN
fsr-3526	34	31	:	:	PUNCT
fsr-3526	34	32	photocopying	photocopy	VERB
fsr-3526	34	33	single	single	ADJ
fsr-3526	34	34	photocopies	photocopy	NOUN
fsr-3526	34	35	of	of	ADP
fsr-3526	34	36	single	single	ADJ
fsr-3526	34	37	articles	article	NOUN
fsr-3526	34	38	may	may	AUX
fsr-3526	34	39	be	be	AUX
fsr-3526	34	40	made	make	VERB
fsr-3526	34	41	for	for	ADP
fsr-3526	34	42	personal	personal	ADJ
fsr-3526	34	43	use	use	NOUN
fsr-3526	34	44	as	as	SCONJ
fsr-3526	34	45	allowed	allow	VERB
fsr-3526	34	46	by	by	ADP
fsr-3526	34	47	national	national	ADJ
fsr-3526	34	48	copyright	copyright	NOUN
fsr-3526	34	49	laws	law	NOUN
fsr-3526	34	50	.	.	PUNCT
fsr-3526	35	1	in	in	ADP
fsr-3526	35	2	addition	addition	NOUN
fsr-3526	35	3	,	,	PUNCT
fsr-3526	35	4	the	the	DET
fsr-3526	35	5	academy	academy	NOUN
fsr-3526	35	6	of	of	ADP
fsr-3526	35	7	financial	financial	ADJ
fsr-3526	35	8	services	service	NOUN
fsr-3526	35	9	hereby	hereby	ADV
fsr-3526	35	10	permits	permit	VERB
fsr-3526	35	11	educators	educator	NOUN
fsr-3526	35	12	and	and	CCONJ
fsr-3526	35	13	educational	educational	ADJ
fsr-3526	35	14	institutions	institution	NOUN
fsr-3526	35	15	the	the	DET
fsr-3526	35	16	right	right	NOUN
fsr-3526	35	17	to	to	PART
fsr-3526	35	18	make	make	VERB
fsr-3526	35	19	photocopies	photocopy	NOUN
fsr-3526	35	20	for	for	ADP
fsr-3526	35	21	non	non	ADJ
fsr-3526	35	22	-	-	ADJ
fsr-3526	35	23	profit	profit	ADJ
fsr-3526	35	24	educational	educational	ADJ
fsr-3526	35	25	classroom	classroom	NOUN
fsr-3526	35	26	use	use	NOUN
fsr-3526	35	27	.	.	PUNCT
fsr-3526	36	1	permission	permission	NOUN
fsr-3526	36	2	of	of	ADP
fsr-3526	36	3	the	the	DET
fsr-3526	36	4	academy	academy	NOUN
fsr-3526	36	5	is	be	AUX
fsr-3526	36	6	required	require	VERB
fsr-3526	36	7	for	for	ADP
fsr-3526	36	8	all	all	DET
fsr-3526	36	9	other	other	ADJ
fsr-3526	36	10	photocopying	photocopying	NOUN
fsr-3526	36	11	,	,	PUNCT
fsr-3526	36	12	including	include	VERB
fsr-3526	36	13	multiple	multiple	ADJ
fsr-3526	36	14	or	or	CCONJ
fsr-3526	36	15	systematic	systematic	ADJ
fsr-3526	36	16	copying	copying	NOUN
fsr-3526	36	17	,	,	PUNCT
fsr-3526	36	18	copying	copy	VERB
fsr-3526	36	19	for	for	ADP
fsr-3526	36	20	advertising	advertising	NOUN
fsr-3526	36	21	or	or	CCONJ
fsr-3526	36	22	promotional	promotional	ADJ
fsr-3526	36	23	purposes	purpose	NOUN
fsr-3526	36	24	,	,	PUNCT
fsr-3526	36	25	resale	resale	NOUN
fsr-3526	36	26	,	,	PUNCT
fsr-3526	36	27	and	and	CCONJ
fsr-3526	36	28	all	all	DET
fsr-3526	36	29	forms	form	NOUN
fsr-3526	36	30	of	of	ADP
fsr-3526	36	31	document	document	NOUN
fsr-3526	36	32	delivery	delivery	NOUN
fsr-3526	36	33	.	.	PUNCT
fsr-3526	37	1	permissions	permission	NOUN
fsr-3526	37	2	may	may	AUX
fsr-3526	37	3	be	be	AUX
fsr-3526	37	4	sought	seek	VERB
fsr-3526	37	5	directly	directly	ADV
fsr-3526	37	6	from	from	ADP
fsr-3526	37	7	the	the	DET
fsr-3526	37	8	editor	editor	NOUN
fsr-3526	37	9	,	,	PUNCT
fsr-3526	37	10	terrance	terrance	PROPN
fsr-3526	37	11	k.	k.	PROPN
fsr-3526	37	12	martin	martin	PROPN
fsr-3526	37	13	,	,	PUNCT
fsr-3526	37	14	college	college	NOUN
fsr-3526	37	15	of	of	ADP
fsr-3526	37	16	arts	art	NOUN
fsr-3526	37	17	,	,	PUNCT
fsr-3526	37	18	sciences	science	NOUN
fsr-3526	37	19	,	,	PUNCT
fsr-3526	37	20	business	business	NOUN
fsr-3526	37	21	,	,	PUNCT
fsr-3526	37	22	and	and	CCONJ
fsr-3526	37	23	education	education	NOUN
fsr-3526	37	24	,	,	PUNCT
fsr-3526	37	25	reynolds	reynolds	PROPN
fsr-3526	37	26	center	center	PROPN
fsr-3526	37	27	,	,	PUNCT
fsr-3526	37	28	rm	rm	PROPN
fsr-3526	37	29	111	111	NUM
fsr-3526	37	30	,	,	PUNCT
fsr-3526	37	31	winston	winston	NOUN
fsr-3526	37	32	-	-	PUNCT
fsr-3526	37	33	salem	salem	PROPN
fsr-3526	37	34	state	state	NOUN
fsr-3526	37	35	university	university	NOUN
fsr-3526	37	36	,	,	PUNCT
fsr-3526	37	37	601	601	NUM
fsr-3526	37	38	s.	s.	PROPN
fsr-3526	37	39	martin	martin	PROPN
fsr-3526	37	40	luther	luther	PROPN
fsr-3526	37	41	king	king	PROPN
fsr-3526	37	42	jr	jr	PROPN
fsr-3526	37	43	.	.	PROPN
fsr-3526	37	44	drive	drive	PROPN
fsr-3526	37	45	,	,	PUNCT
fsr-3526	37	46	winston	winston	PROPN
fsr-3526	37	47	-	-	PUNCT
fsr-3526	37	48	salem	salem	PROPN
fsr-3526	37	49	,	,	PUNCT
fsr-3526	37	50	north	north	PROPN
fsr-3526	37	51	carolina	carolina	PROPN
fsr-3526	37	52	27110	27110	NUM
fsr-3526	37	53	.	.	PUNCT
fsr-3526	38	1	email	email	NOUN
fsr-3526	38	2	address	address	NOUN
fsr-3526	38	3	:	:	PUNCT
fsr-3526	39	1	martintk@wssu.edu	martintk@wssu.edu	PROPN
fsr-3526	39	2	.	.	PUNCT
fsr-3526	40	1	derivative	derivative	ADJ
fsr-3526	40	2	works	work	NOUN
fsr-3526	40	3	subscribers	subscriber	NOUN
fsr-3526	40	4	may	may	AUX
fsr-3526	40	5	reproduce	reproduce	VERB
fsr-3526	40	6	tables	table	NOUN
fsr-3526	40	7	of	of	ADP
fsr-3526	40	8	contents	content	NOUN
fsr-3526	40	9	or	or	CCONJ
fsr-3526	40	10	prepare	prepare	VERB
fsr-3526	40	11	lists	list	NOUN
fsr-3526	40	12	of	of	ADP
fsr-3526	40	13	articles	article	NOUN
fsr-3526	40	14	including	include	VERB
fsr-3526	40	15	abstracts	abstract	NOUN
fsr-3526	40	16	for	for	ADP
fsr-3526	40	17	internal	internal	ADJ
fsr-3526	40	18	circulation	circulation	NOUN
fsr-3526	40	19	within	within	ADP
fsr-3526	40	20	their	their	PRON
fsr-3526	40	21	institutions	institution	NOUN
fsr-3526	40	22	.	.	PUNCT
fsr-3526	41	1	permission	permission	NOUN
fsr-3526	41	2	of	of	ADP
fsr-3526	41	3	the	the	DET
fsr-3526	41	4	academy	academy	NOUN
fsr-3526	41	5	is	be	AUX
fsr-3526	41	6	required	require	VERB
fsr-3526	41	7	for	for	ADP
fsr-3526	41	8	resale	resale	NOUN
fsr-3526	41	9	or	or	CCONJ
fsr-3526	41	10	distribution	distribution	NOUN
fsr-3526	41	11	outside	outside	ADP
fsr-3526	41	12	the	the	DET
fsr-3526	41	13	institution	institution	NOUN
fsr-3526	41	14	.	.	PUNCT
fsr-3526	42	1	permission	permission	NOUN
fsr-3526	42	2	of	of	ADP
fsr-3526	42	3	the	the	DET
fsr-3526	42	4	academy	academy	NOUN
fsr-3526	42	5	is	be	AUX
fsr-3526	42	6	required	require	VERB
fsr-3526	42	7	for	for	ADP
fsr-3526	42	8	all	all	DET
fsr-3526	42	9	other	other	ADJ
fsr-3526	42	10	derivative	derivative	ADJ
fsr-3526	42	11	works	work	NOUN
fsr-3526	42	12	,	,	PUNCT
fsr-3526	42	13	including	include	VERB
fsr-3526	42	14	compilations	compilation	NOUN
fsr-3526	42	15	and	and	CCONJ
fsr-3526	42	16	translations	translation	NOUN
fsr-3526	42	17	.	.	PUNCT
fsr-3526	43	1	electronic	electronic	ADJ
fsr-3526	43	2	storage	storage	NOUN
fsr-3526	43	3	or	or	CCONJ
fsr-3526	43	4	usage	usage	NOUN
fsr-3526	43	5	permission	permission	NOUN
fsr-3526	43	6	of	of	ADP
fsr-3526	43	7	the	the	DET
fsr-3526	43	8	academy	academy	NOUN
fsr-3526	43	9	is	be	AUX
fsr-3526	43	10	required	require	VERB
fsr-3526	43	11	to	to	PART
fsr-3526	43	12	store	store	VERB
fsr-3526	43	13	or	or	CCONJ
fsr-3526	43	14	use	use	VERB
fsr-3526	43	15	electronically	electronically	ADV
fsr-3526	43	16	any	any	DET
fsr-3526	43	17	material	material	NOUN
fsr-3526	43	18	contained	contain	VERB
fsr-3526	43	19	in	in	ADP
fsr-3526	43	20	this	this	DET
fsr-3526	43	21	journal	journal	NOUN
fsr-3526	43	22	,	,	PUNCT
fsr-3526	43	23	including	include	VERB
fsr-3526	43	24	any	any	DET
fsr-3526	43	25	article	article	NOUN
fsr-3526	43	26	or	or	CCONJ
fsr-3526	43	27	part	part	NOUN
fsr-3526	43	28	of	of	ADP
fsr-3526	43	29	an	an	DET
fsr-3526	43	30	article	article	NOUN
fsr-3526	43	31	.	.	PUNCT
fsr-3526	44	1	except	except	SCONJ
fsr-3526	44	2	as	as	SCONJ
fsr-3526	44	3	outlined	outline	VERB
fsr-3526	44	4	above	above	ADV
fsr-3526	44	5	,	,	PUNCT
fsr-3526	44	6	no	no	DET
fsr-3526	44	7	part	part	NOUN
fsr-3526	44	8	of	of	ADP
fsr-3526	44	9	this	this	DET
fsr-3526	44	10	publication	publication	NOUN
fsr-3526	44	11	may	may	AUX
fsr-3526	44	12	be	be	AUX
fsr-3526	44	13	reproduced	reproduce	VERB
fsr-3526	44	14	,	,	PUNCT
fsr-3526	44	15	stored	store	VERB
fsr-3526	44	16	in	in	ADP
fsr-3526	44	17	a	a	DET
fsr-3526	44	18	retrieval	retrieval	NOUN
fsr-3526	44	19	system	system	NOUN
fsr-3526	44	20	or	or	CCONJ
fsr-3526	44	21	transmitted	transmit	VERB
fsr-3526	44	22	in	in	ADP
fsr-3526	44	23	any	any	DET
fsr-3526	44	24	form	form	NOUN
fsr-3526	44	25	or	or	CCONJ
fsr-3526	44	26	by	by	ADP
fsr-3526	44	27	any	any	DET
fsr-3526	44	28	means	mean	NOUN
fsr-3526	44	29	,	,	PUNCT
fsr-3526	44	30	electronic	electronic	ADJ
fsr-3526	44	31	,	,	PUNCT
fsr-3526	44	32	mechanical	mechanical	ADJ
fsr-3526	44	33	,	,	PUNCT
fsr-3526	44	34	photocopying	photocopying	NOUN
fsr-3526	44	35	,	,	PUNCT
fsr-3526	44	36	recording	recording	NOUN
fsr-3526	44	37	,	,	PUNCT
fsr-3526	44	38	or	or	CCONJ
fsr-3526	44	39	otherwise	otherwise	ADV
fsr-3526	44	40	,	,	PUNCT
fsr-3526	44	41	without	without	ADP
fsr-3526	44	42	prior	prior	ADJ
fsr-3526	44	43	written	write	VERB
fsr-3526	44	44	permission	permission	NOUN
fsr-3526	44	45	of	of	ADP
fsr-3526	44	46	the	the	DET
fsr-3526	44	47	academy	academy	PROPN
fsr-3526	44	48	.	.	PUNCT
fsr-3526	45	1	address	address	PROPN
fsr-3526	45	2	permissions	permission	NOUN
fsr-3526	45	3	requests	request	NOUN
fsr-3526	45	4	to	to	ADP
fsr-3526	45	5	the	the	DET
fsr-3526	45	6	editor	editor	NOUN
fsr-3526	45	7	at	at	ADP
fsr-3526	45	8	the	the	DET
fsr-3526	45	9	address	address	NOUN
fsr-3526	45	10	noted	note	VERB
fsr-3526	45	11	above	above	ADV
fsr-3526	45	12	.	.	PUNCT
fsr-3526	46	1	notice	notice	VERB
fsr-3526	46	2	no	no	DET
fsr-3526	46	3	responsibility	responsibility	NOUN
fsr-3526	46	4	is	be	AUX
fsr-3526	46	5	assumed	assume	VERB
fsr-3526	46	6	by	by	ADP
fsr-3526	46	7	the	the	DET
fsr-3526	46	8	academy	academy	NOUN
fsr-3526	46	9	for	for	ADP
fsr-3526	46	10	any	any	DET
fsr-3526	46	11	injury	injury	NOUN
fsr-3526	46	12	and/or	and/or	CCONJ
fsr-3526	46	13	damage	damage	NOUN
fsr-3526	46	14	to	to	ADP
fsr-3526	46	15	persons	person	NOUN
fsr-3526	46	16	or	or	CCONJ
fsr-3526	46	17	property	property	NOUN
fsr-3526	46	18	as	as	ADP
fsr-3526	46	19	a	a	DET
fsr-3526	46	20	matter	matter	NOUN
fsr-3526	46	21	of	of	ADP
fsr-3526	46	22	products	product	NOUN
fsr-3526	46	23	liability	liability	NOUN
fsr-3526	46	24	,	,	PUNCT
fsr-3526	46	25	negligence	negligence	NOUN
fsr-3526	46	26	,	,	PUNCT
fsr-3526	46	27	or	or	CCONJ
fsr-3526	46	28	otherwise	otherwise	ADV
fsr-3526	46	29	,	,	PUNCT
fsr-3526	46	30	or	or	CCONJ
fsr-3526	46	31	from	from	ADP
fsr-3526	46	32	any	any	DET
fsr-3526	46	33	use	use	NOUN
fsr-3526	46	34	or	or	CCONJ
fsr-3526	46	35	operation	operation	NOUN
fsr-3526	46	36	of	of	ADP
fsr-3526	46	37	any	any	DET
fsr-3526	46	38	methods	method	NOUN
fsr-3526	46	39	,	,	PUNCT
fsr-3526	46	40	products	product	NOUN
fsr-3526	46	41	,	,	PUNCT
fsr-3526	46	42	instructions	instruction	NOUN
fsr-3526	46	43	,	,	PUNCT
fsr-3526	46	44	or	or	CCONJ
fsr-3526	46	45	ideas	idea	NOUN
fsr-3526	46	46	contained	contain	VERB
fsr-3526	46	47	in	in	ADP
fsr-3526	46	48	the	the	DET
fsr-3526	46	49	material	material	NOUN
fsr-3526	46	50	herein	herein	NOUN
fsr-3526	46	51	.	.	PUNCT
fsr-3526	47	1	the	the	DET
fsr-3526	47	2	editors	editor	NOUN
fsr-3526	47	3	,	,	PUNCT
fsr-3526	47	4	the	the	DET
fsr-3526	47	5	academy	academy	NOUN
fsr-3526	47	6	,	,	PUNCT
fsr-3526	47	7	and	and	CCONJ
fsr-3526	47	8	our	our	PRON
fsr-3526	47	9	sponsors	sponsor	NOUN
fsr-3526	47	10	assume	assume	VERB
fsr-3526	47	11	no	no	DET
fsr-3526	47	12	responsibility	responsibility	NOUN
fsr-3526	47	13	for	for	ADP
fsr-3526	47	14	the	the	DET
fsr-3526	47	15	views	view	NOUN
fsr-3526	47	16	expressed	express	VERB
fsr-3526	47	17	by	by	ADP
fsr-3526	47	18	our	our	PRON
fsr-3526	47	19	authors	author	NOUN
fsr-3526	47	20	.	.	PUNCT