id	sid	tid	token	lemma	pos
fsr-3527	1	1	finser_31	finser_31	PROPN
fsr-3527	1	2	-	-	PUNCT
fsr-3527	1	3	2_complete_issue	2_complete_issue	PROPN
fsr-3527	1	4	from	from	ADP
fsr-3527	1	5	the	the	DET
fsr-3527	1	6	editor	editor	NOUN
fsr-3527	1	7	dear	dear	ADJ
fsr-3527	1	8	esteemed	esteemed	ADJ
fsr-3527	1	9	readers	reader	NOUN
fsr-3527	1	10	,	,	PUNCT
fsr-3527	1	11	as	as	SCONJ
fsr-3527	1	12	i	i	PRON
fsr-3527	1	13	pen	pen	VERB
fsr-3527	1	14	this	this	DET
fsr-3527	1	15	letter	letter	NOUN
fsr-3527	1	16	for	for	ADP
fsr-3527	1	17	my	my	PRON
fsr-3527	1	18	final	final	ADJ
fsr-3527	1	19	issue	issue	NOUN
fsr-3527	1	20	as	as	ADP
fsr-3527	1	21	the	the	DET
fsr-3527	1	22	editor	editor	NOUN
fsr-3527	1	23	of	of	ADP
fsr-3527	1	24	the	the	DET
fsr-3527	1	25	financial	financial	ADJ
fsr-3527	1	26	services	service	NOUN
fsr-3527	1	27	review	review	NOUN
fsr-3527	1	28	(	(	PUNCT
fsr-3527	1	29	volume	volume	NOUN
fsr-3527	1	30	31	31	NUM
fsr-3527	1	31	issues	issue	NOUN
fsr-3527	1	32	2	2	NUM
fsr-3527	1	33	&	&	CCONJ
fsr-3527	1	34	3	3	NUM
fsr-3527	1	35	)	)	PUNCT
fsr-3527	1	36	,	,	PUNCT
fsr-3527	1	37	i	i	PRON
fsr-3527	1	38	am	be	AUX
fsr-3527	1	39	reminded	remind	VERB
fsr-3527	1	40	of	of	ADP
fsr-3527	1	41	the	the	DET
fsr-3527	1	42	rich	rich	ADJ
fsr-3527	1	43	tapestry	tapestry	NOUN
fsr-3527	1	44	of	of	ADP
fsr-3527	1	45	research	research	NOUN
fsr-3527	1	46	and	and	CCONJ
fsr-3527	1	47	knowledge	knowledge	NOUN
fsr-3527	1	48	we	we	PRON
fsr-3527	1	49	have	have	AUX
fsr-3527	1	50	woven	weave	VERB
fsr-3527	1	51	together	together	ADV
fsr-3527	1	52	.	.	PUNCT
fsr-3527	2	1	this	this	DET
fsr-3527	2	2	special	special	ADJ
fsr-3527	2	3	double	double	ADJ
fsr-3527	2	4	issue	issue	NOUN
fsr-3527	2	5	,	,	PUNCT
fsr-3527	2	6	marking	mark	VERB
fsr-3527	2	7	the	the	DET
fsr-3527	2	8	transition	transition	NOUN
fsr-3527	2	9	of	of	ADP
fsr-3527	2	10	editorship	editorship	NOUN
fsr-3527	2	11	to	to	ADP
fsr-3527	2	12	dr	dr	PROPN
fsr-3527	2	13	.	.	PROPN
fsr-3527	2	14	john	john	PROPN
fsr-3527	2	15	grable	grable	PROPN
fsr-3527	2	16	,	,	PUNCT
fsr-3527	2	17	is	be	AUX
fsr-3527	2	18	a	a	DET
fsr-3527	2	19	testament	testament	NOUN
fsr-3527	2	20	to	to	ADP
fsr-3527	2	21	the	the	DET
fsr-3527	2	22	evolving	evolve	VERB
fsr-3527	2	23	field	field	NOUN
fsr-3527	2	24	of	of	ADP
fsr-3527	2	25	personal	personal	ADJ
fsr-3527	2	26	financial	financial	ADJ
fsr-3527	2	27	planning	planning	NOUN
fsr-3527	2	28	.	.	PUNCT
fsr-3527	3	1	we	we	PRON
fsr-3527	3	2	begin	begin	VERB
fsr-3527	3	3	with	with	ADP
fsr-3527	3	4	kristine	kristine	PROPN
fsr-3527	3	5	l.	l.	PROPN
fsr-3527	3	6	beck	beck	PROPN
fsr-3527	3	7	,	,	PUNCT
fsr-3527	3	8	hsin	hsin	PROPN
fsr-3527	3	9	-	-	PUNCT
fsr-3527	3	10	hui	hui	PROPN
fsr-3527	3	11	chiu	chiu	PROPN
fsr-3527	3	12	,	,	PUNCT
fsr-3527	3	13	and	and	CCONJ
fsr-3527	3	14	inga	inga	PROPN
fsr-3527	3	15	timmerman	timmerman	PROPN
fsr-3527	3	16	’s	’s	PART
fsr-3527	3	17	exploration	exploration	NOUN
fsr-3527	3	18	into	into	ADP
fsr-3527	3	19	the	the	DET
fsr-3527	3	20	changing	change	VERB
fsr-3527	3	21	landscape	landscape	NOUN
fsr-3527	3	22	of	of	ADP
fsr-3527	3	23	risk	risk	NOUN
fsr-3527	3	24	tolerance	tolerance	NOUN
fsr-3527	3	25	among	among	ADP
fsr-3527	3	26	young	young	ADJ
fsr-3527	3	27	investors	investor	NOUN
fsr-3527	3	28	.	.	PUNCT
fsr-3527	4	1	their	their	PRON
fsr-3527	4	2	study	study	NOUN
fsr-3527	4	3	,	,	PUNCT
fsr-3527	4	4	focusing	focus	VERB
fsr-3527	4	5	on	on	ADP
fsr-3527	4	6	millennials	millennial	NOUN
fsr-3527	4	7	and	and	CCONJ
fsr-3527	4	8	gen	gen	PROPN
fsr-3527	4	9	z	z	PROPN
fsr-3527	4	10	,	,	PUNCT
fsr-3527	4	11	challenges	challenge	VERB
fsr-3527	4	12	the	the	DET
fsr-3527	4	13	traditional	traditional	ADJ
fsr-3527	4	14	tools	tool	NOUN
fsr-3527	4	15	used	use	VERB
fsr-3527	4	16	for	for	ADP
fsr-3527	4	17	risk	risk	NOUN
fsr-3527	4	18	assessment	assessment	NOUN
fsr-3527	4	19	,	,	PUNCT
fsr-3527	4	20	suggesting	suggest	VERB
fsr-3527	4	21	a	a	DET
fsr-3527	4	22	pivotal	pivotal	ADJ
fsr-3527	4	23	shift	shift	NOUN
fsr-3527	4	24	in	in	ADP
fsr-3527	4	25	how	how	SCONJ
fsr-3527	4	26	financial	financial	ADJ
fsr-3527	4	27	advisors	advisor	NOUN
fsr-3527	4	28	approach	approach	VERB
fsr-3527	4	29	risk	risk	NOUN
fsr-3527	4	30	with	with	ADP
fsr-3527	4	31	the	the	DET
fsr-3527	4	32	next	next	ADJ
fsr-3527	4	33	generation	generation	NOUN
fsr-3527	4	34	.	.	PUNCT
fsr-3527	5	1	zhikun	zhikun	PROPN
fsr-3527	5	2	liu	liu	PROPN
fsr-3527	5	3	,	,	PUNCT
fsr-3527	5	4	russell	russell	PROPN
fsr-3527	5	5	james	james	PROPN
fsr-3527	5	6	iii	iii	PROPN
fsr-3527	5	7	,	,	PUNCT
fsr-3527	5	8	and	and	CCONJ
fsr-3527	5	9	qi	qi	PROPN
fsr-3527	5	10	sun	sun	NOUN
fsr-3527	5	11	,	,	PUNCT
fsr-3527	5	12	delve	delve	VERB
fsr-3527	5	13	into	into	ADP
fsr-3527	5	14	how	how	SCONJ
fsr-3527	5	15	older	old	ADJ
fsr-3527	5	16	american	american	ADJ
fsr-3527	5	17	adults	adult	NOUN
fsr-3527	5	18	’	'	PUNCT
fsr-3527	5	19	financial	financial	ADJ
fsr-3527	5	20	planning	planning	NOUN
fsr-3527	5	21	horizons	horizon	NOUN
fsr-3527	5	22	are	be	AUX
fsr-3527	5	23	influenced	influence	VERB
fsr-3527	5	24	by	by	ADP
fsr-3527	5	25	their	their	PRON
fsr-3527	5	26	self	self	NOUN
fsr-3527	5	27	-	-	PUNCT
fsr-3527	5	28	perceived	perceive	VERB
fsr-3527	5	29	life	life	NOUN
fsr-3527	5	30	expectancy	expectancy	NOUN
fsr-3527	5	31	.	.	PUNCT
fsr-3527	6	1	their	their	PRON
fsr-3527	6	2	work	work	NOUN
fsr-3527	6	3	reveals	reveal	VERB
fsr-3527	6	4	the	the	DET
fsr-3527	6	5	dynamic	dynamic	ADJ
fsr-3527	6	6	nature	nature	NOUN
fsr-3527	6	7	of	of	ADP
fsr-3527	6	8	financial	financial	ADJ
fsr-3527	6	9	planning	planning	NOUN
fsr-3527	6	10	,	,	PUNCT
fsr-3527	6	11	shaped	shape	VERB
fsr-3527	6	12	by	by	ADP
fsr-3527	6	13	personal	personal	ADJ
fsr-3527	6	14	health	health	NOUN
fsr-3527	6	15	,	,	PUNCT
fsr-3527	6	16	marital	marital	ADJ
fsr-3527	6	17	status	status	NOUN
fsr-3527	6	18	,	,	PUNCT
fsr-3527	6	19	and	and	CCONJ
fsr-3527	6	20	wealth	wealth	NOUN
fsr-3527	6	21	levels	level	NOUN
fsr-3527	6	22	,	,	PUNCT
fsr-3527	6	23	offering	offer	VERB
fsr-3527	6	24	crucial	crucial	ADJ
fsr-3527	6	25	insights	insight	NOUN
fsr-3527	6	26	for	for	ADP
fsr-3527	6	27	financial	financial	ADJ
fsr-3527	6	28	planners	planner	NOUN
fsr-3527	6	29	.	.	PUNCT
fsr-3527	7	1	the	the	DET
fsr-3527	7	2	intriguing	intriguing	ADJ
fsr-3527	7	3	world	world	NOUN
fsr-3527	7	4	of	of	ADP
fsr-3527	7	5	cryptocurrency	cryptocurrency	NOUN
fsr-3527	7	6	investment	investment	NOUN
fsr-3527	7	7	is	be	AUX
fsr-3527	7	8	examined	examine	VERB
fsr-3527	7	9	by	by	ADP
fsr-3527	7	10	kyoung	kyoung	PROPN
fsr-3527	7	11	tae	tae	PROPN
fsr-3527	7	12	kim	kim	PROPN
fsr-3527	7	13	,	,	PUNCT
fsr-3527	7	14	sherman	sherman	PROPN
fsr-3527	7	15	d.	d.	PROPN
fsr-3527	7	16	hanna	hanna	PROPN
fsr-3527	7	17	,	,	PUNCT
fsr-3527	7	18	and	and	CCONJ
fsr-3527	7	19	sunwoo	sunwoo	PROPN
fsr-3527	7	20	t.	t.	PROPN
fsr-3527	7	21	lee	lee	PROPN
fsr-3527	7	22	.	.	PUNCT
fsr-3527	8	1	their	their	PRON
fsr-3527	8	2	analysis	analysis	NOUN
fsr-3527	8	3	of	of	ADP
fsr-3527	8	4	the	the	DET
fsr-3527	8	5	2018	2018	NUM
fsr-3527	8	6	national	national	ADJ
fsr-3527	8	7	financial	financial	ADJ
fsr-3527	8	8	capability	capability	NOUN
fsr-3527	8	9	study	study	NOUN
fsr-3527	8	10	investor	investor	NOUN
fsr-3527	8	11	survey	survey	NOUN
fsr-3527	8	12	reveals	reveal	VERB
fsr-3527	8	13	a	a	DET
fsr-3527	8	14	complex	complex	ADJ
fsr-3527	8	15	relationship	relationship	NOUN
fsr-3527	8	16	between	between	ADP
fsr-3527	8	17	investment	investment	NOUN
fsr-3527	8	18	literacy	literacy	NOUN
fsr-3527	8	19	,	,	PUNCT
fsr-3527	8	20	overconfidence	overconfidence	NOUN
fsr-3527	8	21	,	,	PUNCT
fsr-3527	8	22	and	and	CCONJ
fsr-3527	8	23	cryptocurrency	cryptocurrency	NOUN
fsr-3527	8	24	investment	investment	NOUN
fsr-3527	8	25	,	,	PUNCT
fsr-3527	8	26	highlighting	highlight	VERB
fsr-3527	8	27	the	the	DET
fsr-3527	8	28	nuances	nuance	NOUN
fsr-3527	8	29	of	of	ADP
fsr-3527	8	30	modern	modern	ADJ
fsr-3527	8	31	investment	investment	NOUN
fsr-3527	8	32	behaviors	behavior	NOUN
fsr-3527	8	33	.	.	PUNCT
fsr-3527	9	1	brent	brent	PROPN
fsr-3527	9	2	j.	j.	PROPN
fsr-3527	9	3	davis	davis	PROPN
fsr-3527	9	4	,	,	PUNCT
fsr-3527	9	5	david	david	PROPN
fsr-3527	9	6	p.	p.	PROPN
fsr-3527	9	7	richardson	richardson	PROPN
fsr-3527	9	8	,	,	PUNCT
fsr-3527	9	9	and	and	CCONJ
fsr-3527	9	10	jason	jason	PROPN
fsr-3527	9	11	s.	s.	PROPN
fsr-3527	9	12	seligman	seligman	PROPN
fsr-3527	9	13	,	,	PUNCT
fsr-3527	9	14	present	present	VERB
fsr-3527	9	15	a	a	DET
fsr-3527	9	16	compelling	compelling	ADJ
fsr-3527	9	17	case	case	NOUN
fsr-3527	9	18	study	study	NOUN
fsr-3527	9	19	on	on	ADP
fsr-3527	9	20	the	the	DET
fsr-3527	9	21	need	need	NOUN
fsr-3527	9	22	and	and	CCONJ
fsr-3527	9	23	demand	demand	NOUN
fsr-3527	9	24	for	for	ADP
fsr-3527	9	25	financial	financial	ADJ
fsr-3527	9	26	education	education	NOUN
fsr-3527	9	27	among	among	ADP
fsr-3527	9	28	graduate	graduate	NOUN
fsr-3527	9	29	students	student	NOUN
fsr-3527	9	30	.	.	PUNCT
fsr-3527	10	1	their	their	PRON
fsr-3527	10	2	findings	finding	NOUN
fsr-3527	10	3	on	on	ADP
fsr-3527	10	4	the	the	DET
fsr-3527	10	5	correlation	correlation	NOUN
fsr-3527	10	6	between	between	ADP
fsr-3527	10	7	self	self	NOUN
fsr-3527	10	8	-	-	PUNCT
fsr-3527	10	9	assessed	assess	VERB
fsr-3527	10	10	and	and	CCONJ
fsr-3527	10	11	measured	measure	VERB
fsr-3527	10	12	financial	financial	ADJ
fsr-3527	10	13	literacy	literacy	NOUN
fsr-3527	10	14	underscore	underscore	VERB
fsr-3527	10	15	the	the	DET
fsr-3527	10	16	importance	importance	NOUN
fsr-3527	10	17	of	of	ADP
fsr-3527	10	18	accurate	accurate	ADJ
fsr-3527	10	19	self	self	NOUN
fsr-3527	10	20	-	-	PUNCT
fsr-3527	10	21	perception	perception	NOUN
fsr-3527	10	22	in	in	ADP
fsr-3527	10	23	financial	financial	ADJ
fsr-3527	10	24	education	education	NOUN
fsr-3527	10	25	.	.	PUNCT
fsr-3527	11	1	in	in	ADP
fsr-3527	11	2	a	a	DET
fsr-3527	11	3	collaborative	collaborative	ADJ
fsr-3527	11	4	effort	effort	NOUN
fsr-3527	11	5	,	,	PUNCT
fsr-3527	11	6	lua	lua	PROPN
fsr-3527	11	7	a.	a.	PROPN
fsr-3527	11	8	v.	v.	PROPN
fsr-3527	11	9	augustin	augustin	PROPN
fsr-3527	11	10	and	and	CCONJ
fsr-3527	11	11	terrance	terrance	PROPN
fsr-3527	11	12	k.	k.	PROPN
fsr-3527	11	13	martin	martin	PROPN
fsr-3527	11	14	,	,	PUNCT
fsr-3527	11	15	examine	examine	VERB
fsr-3527	11	16	the	the	DET
fsr-3527	11	17	impact	impact	NOUN
fsr-3527	11	18	of	of	ADP
fsr-3527	11	19	the	the	DET
fsr-3527	11	20	timing	timing	NOUN
fsr-3527	11	21	and	and	CCONJ
fsr-3527	11	22	frequency	frequency	NOUN
fsr-3527	11	23	of	of	ADP
fsr-3527	11	24	financial	financial	ADJ
fsr-3527	11	25	education	education	NOUN
fsr-3527	11	26	on	on	ADP
fsr-3527	11	27	financial	financial	ADJ
fsr-3527	11	28	behaviors	behavior	NOUN
fsr-3527	11	29	.	.	PUNCT
fsr-3527	12	1	our	our	PRON
fsr-3527	12	2	study	study	NOUN
fsr-3527	12	3	,	,	PUNCT
fsr-3527	12	4	utilizing	utilize	VERB
fsr-3527	12	5	the	the	DET
fsr-3527	12	6	2015	2015	NUM
fsr-3527	12	7	national	national	ADJ
fsr-3527	12	8	financial	financial	ADJ
fsr-3527	12	9	capability	capability	NOUN
fsr-3527	12	10	study	study	NOUN
fsr-3527	12	11	,	,	PUNCT
fsr-3527	12	12	underscores	underscore	VERB
fsr-3527	12	13	the	the	DET
fsr-3527	12	14	significance	significance	NOUN
fsr-3527	12	15	of	of	ADP
fsr-3527	12	16	early	early	ADJ
fsr-3527	12	17	and	and	CCONJ
fsr-3527	12	18	frequent	frequent	ADJ
fsr-3527	12	19	financial	financial	ADJ
fsr-3527	12	20	education	education	NOUN
fsr-3527	12	21	in	in	ADP
fsr-3527	12	22	fostering	foster	VERB
fsr-3527	12	23	positive	positive	ADJ
fsr-3527	12	24	financial	financial	ADJ
fsr-3527	12	25	behaviors	behavior	NOUN
fsr-3527	12	26	.	.	PUNCT
fsr-3527	13	1	greg	greg	PROPN
fsr-3527	13	2	filbeck	filbeck	PROPN
fsr-3527	13	3	and	and	CCONJ
fsr-3527	13	4	xin	xin	PROPN
fsr-3527	13	5	zhao	zhao	PROPN
fsr-3527	13	6	’s	’s	PART
fsr-3527	13	7	research	research	NOUN
fsr-3527	13	8	offers	offer	VERB
fsr-3527	13	9	a	a	DET
fsr-3527	13	10	unique	unique	ADJ
fsr-3527	13	11	perspective	perspective	NOUN
fsr-3527	13	12	on	on	ADP
fsr-3527	13	13	financial	financial	ADJ
fsr-3527	13	14	literacy	literacy	NOUN
fsr-3527	13	15	during	during	ADP
fsr-3527	13	16	the	the	DET
fsr-3527	13	17	pandemic	pandemic	NOUN
fsr-3527	13	18	.	.	PUNCT
fsr-3527	14	1	comparing	compare	VERB
fsr-3527	14	2	pre	pre	ADJ
fsr-3527	14	3	-	-	ADJ
fsr-3527	14	4	pandemic	pandemic	ADJ
fsr-3527	14	5	residential	residential	ADJ
fsr-3527	14	6	programs	program	NOUN
fsr-3527	14	7	with	with	ADP
fsr-3527	14	8	virtual	virtual	ADJ
fsr-3527	14	9	/	/	SYM
fsr-3527	14	10	hybrid	hybrid	ADJ
fsr-3527	14	11	programs	program	NOUN
fsr-3527	14	12	,	,	PUNCT
fsr-3527	14	13	their	their	PRON
fsr-3527	14	14	study	study	NOUN
fsr-3527	14	15	demonstrates	demonstrate	VERB
fsr-3527	14	16	the	the	DET
fsr-3527	14	17	effectiveness	effectiveness	NOUN
fsr-3527	14	18	of	of	ADP
fsr-3527	14	19	financial	financial	ADJ
fsr-3527	14	20	literacy	literacy	NOUN
fsr-3527	14	21	education	education	NOUN
fsr-3527	14	22	across	across	ADP
fsr-3527	14	23	different	different	ADJ
fsr-3527	14	24	modalities	modality	NOUN
fsr-3527	14	25	,	,	PUNCT
fsr-3527	14	26	a	a	DET
fsr-3527	14	27	crucial	crucial	ADJ
fsr-3527	14	28	insight	insight	NOUN
fsr-3527	14	29	in	in	ADP
fsr-3527	14	30	these	these	DET
fsr-3527	14	31	changing	change	VERB
fsr-3527	14	32	times	time	NOUN
fsr-3527	14	33	.	.	PUNCT
fsr-3527	15	1	christine	christine	PROPN
fsr-3527	15	2	mcclatchey	mcclatchey	PROPN
fsr-3527	15	3	’s	’s	PART
fsr-3527	15	4	analysis	analysis	NOUN
fsr-3527	15	5	of	of	ADP
fsr-3527	15	6	the	the	DET
fsr-3527	15	7	home	home	NOUN
fsr-3527	15	8	borrower	borrower	NOUN
fsr-3527	15	9	’s	’s	PART
fsr-3527	15	10	dilemma	dilemma	NOUN
fsr-3527	15	11	–	–	PUNCT
fsr-3527	15	12	whether	whether	SCONJ
fsr-3527	15	13	to	to	PART
fsr-3527	15	14	refinance	refinance	VERB
fsr-3527	15	15	,	,	PUNCT
fsr-3527	15	16	pay	pay	VERB
fsr-3527	15	17	additional	additional	ADJ
fsr-3527	15	18	principal	principal	NOUN
fsr-3527	15	19	,	,	PUNCT
fsr-3527	15	20	or	or	CCONJ
fsr-3527	15	21	recast	recast	NOUN
fsr-3527	15	22	–	–	PUNCT
fsr-3527	15	23	is	be	AUX
fsr-3527	15	24	particularly	particularly	ADV
fsr-3527	15	25	relevant	relevant	ADJ
fsr-3527	15	26	in	in	ADP
fsr-3527	15	27	the	the	DET
fsr-3527	15	28	current	current	ADJ
fsr-3527	15	29	economic	economic	ADJ
fsr-3527	15	30	climate	climate	NOUN
fsr-3527	15	31	.	.	PUNCT
fsr-3527	16	1	1057	1057	NUM
fsr-3527	16	2	-	-	SYM
fsr-3527	16	3	0810/23/$	0810/23/$	NUM
fsr-3527	16	4	–	–	PUNCT
fsr-3527	16	5	see	see	VERB
fsr-3527	16	6	front	front	ADJ
fsr-3527	16	7	matter	matter	NOUN
fsr-3527	16	8	©	©	PROPN
fsr-3527	16	9	2023	2023	NUM
fsr-3527	16	10	academy	academy	NOUN
fsr-3527	16	11	of	of	ADP
fsr-3527	16	12	financial	financial	ADJ
fsr-3527	16	13	services	service	NOUN
fsr-3527	16	14	.	.	PUNCT
fsr-3527	17	1	all	all	DET
fsr-3527	17	2	rights	right	NOUN
fsr-3527	17	3	reserved	reserve	VERB
fsr-3527	17	4	.	.	PUNCT
fsr-3527	18	1	financial	financial	ADJ
fsr-3527	18	2	services	service	NOUN
fsr-3527	18	3	review	review	VERB
fsr-3527	18	4	31	31	NUM
fsr-3527	18	5	(	(	PUNCT
fsr-3527	18	6	2023	2023	NUM
fsr-3527	18	7	)	)	PUNCT
fsr-3527	18	8	v	v	NOUN
fsr-3527	18	9	–	–	PUNCT
fsr-3527	18	10	vi	vi	VERB
fsr-3527	18	11	her	her	PRON
fsr-3527	18	12	discussion	discussion	NOUN
fsr-3527	18	13	on	on	ADP
fsr-3527	18	14	the	the	DET
fsr-3527	18	15	mechanics	mechanic	NOUN
fsr-3527	18	16	and	and	CCONJ
fsr-3527	18	17	benefits	benefit	NOUN
fsr-3527	18	18	of	of	ADP
fsr-3527	18	19	recasting	recast	VERB
fsr-3527	18	20	provides	provide	VERB
fsr-3527	18	21	valuable	valuable	ADJ
fsr-3527	18	22	guidance	guidance	NOUN
fsr-3527	18	23	for	for	ADP
fsr-3527	18	24	homeowners	homeowner	NOUN
fsr-3527	18	25	navigating	navigate	VERB
fsr-3527	18	26	financial	financial	ADJ
fsr-3527	18	27	decisions	decision	NOUN
fsr-3527	18	28	.	.	PUNCT
fsr-3527	19	1	lastly	lastly	ADV
fsr-3527	19	2	,	,	PUNCT
fsr-3527	19	3	isha	isha	PROPN
fsr-3527	19	4	chawla	chawla	PROPN
fsr-3527	19	5	,	,	PUNCT
fsr-3527	19	6	mia	mia	PROPN
fsr-3527	19	7	b.	b.	PROPN
fsr-3527	19	8	russell	russell	PROPN
fsr-3527	19	9	,	,	PUNCT
fsr-3527	19	10	and	and	CCONJ
fsr-3527	19	11	kenneth	kenneth	PROPN
fsr-3527	19	12	j.	j.	PROPN
fsr-3527	19	13	white	white	PROPN
fsr-3527	19	14	,	,	PUNCT
fsr-3527	19	15	explore	explore	VERB
fsr-3527	19	16	consumer	consumer	NOUN
fsr-3527	19	17	fear	fear	NOUN
fsr-3527	19	18	and	and	CCONJ
fsr-3527	19	19	trust	trust	NOUN
fsr-3527	19	20	in	in	ADP
fsr-3527	19	21	financial	financial	ADJ
fsr-3527	19	22	institutions	institution	NOUN
fsr-3527	19	23	during	during	ADP
fsr-3527	19	24	the	the	DET
fsr-3527	19	25	covid-19	covid-19	PROPN
fsr-3527	19	26	pandemic	pandemic	NOUN
fsr-3527	19	27	.	.	PUNCT
fsr-3527	20	1	their	their	PRON
fsr-3527	20	2	qualitative	qualitative	ADJ
fsr-3527	20	3	content	content	NOUN
fsr-3527	20	4	analysis	analysis	NOUN
fsr-3527	20	5	reveals	reveal	VERB
fsr-3527	20	6	key	key	ADJ
fsr-3527	20	7	themes	theme	NOUN
fsr-3527	20	8	that	that	PRON
fsr-3527	20	9	are	be	AUX
fsr-3527	20	10	essential	essential	ADJ
fsr-3527	20	11	for	for	ADP
fsr-3527	20	12	understanding	understand	VERB
fsr-3527	20	13	the	the	DET
fsr-3527	20	14	relationship	relationship	NOUN
fsr-3527	20	15	between	between	ADP
fsr-3527	20	16	consumers	consumer	NOUN
fsr-3527	20	17	and	and	CCONJ
fsr-3527	20	18	financial	financial	ADJ
fsr-3527	20	19	institutions	institution	NOUN
fsr-3527	20	20	in	in	ADP
fsr-3527	20	21	turbulent	turbulent	ADJ
fsr-3527	20	22	times	time	NOUN
fsr-3527	20	23	.	.	PUNCT
fsr-3527	21	1	as	as	SCONJ
fsr-3527	21	2	i	i	PRON
fsr-3527	21	3	transition	transition	VERB
fsr-3527	21	4	to	to	ADP
fsr-3527	21	5	the	the	DET
fsr-3527	21	6	role	role	NOUN
fsr-3527	21	7	of	of	ADP
fsr-3527	21	8	an	an	DET
fsr-3527	21	9	associate	associate	ADJ
fsr-3527	21	10	editor	editor	NOUN
fsr-3527	21	11	,	,	PUNCT
fsr-3527	21	12	i	i	PRON
fsr-3527	21	13	reflect	reflect	VERB
fsr-3527	21	14	on	on	ADP
fsr-3527	21	15	the	the	DET
fsr-3527	21	16	honor	honor	NOUN
fsr-3527	21	17	of	of	ADP
fsr-3527	21	18	contributing	contribute	VERB
fsr-3527	21	19	to	to	ADP
fsr-3527	21	20	this	this	DET
fsr-3527	21	21	prime	prime	ADJ
fsr-3527	21	22	journal	journal	NOUN
fsr-3527	21	23	in	in	ADP
fsr-3527	21	24	the	the	DET
fsr-3527	21	25	field	field	NOUN
fsr-3527	21	26	of	of	ADP
fsr-3527	21	27	personal	personal	ADJ
fsr-3527	21	28	financial	financial	ADJ
fsr-3527	21	29	planning	planning	NOUN
fsr-3527	21	30	.	.	PUNCT
fsr-3527	22	1	i	i	PRON
fsr-3527	22	2	am	be	AUX
fsr-3527	22	3	confident	confident	ADJ
fsr-3527	22	4	that	that	SCONJ
fsr-3527	22	5	under	under	ADP
fsr-3527	22	6	dr	dr	PROPN
fsr-3527	22	7	.	.	PROPN
fsr-3527	22	8	grable	grable	PROPN
fsr-3527	22	9	’s	’s	PART
fsr-3527	22	10	leadership	leadership	NOUN
fsr-3527	22	11	,	,	PUNCT
fsr-3527	22	12	the	the	DET
fsr-3527	22	13	financial	financial	ADJ
fsr-3527	22	14	services	service	NOUN
fsr-3527	22	15	review	review	NOUN
fsr-3527	22	16	will	will	AUX
fsr-3527	22	17	continue	continue	VERB
fsr-3527	22	18	to	to	PART
fsr-3527	22	19	illuminate	illuminate	VERB
fsr-3527	22	20	the	the	DET
fsr-3527	22	21	path	path	NOUN
fsr-3527	22	22	forward	forward	ADV
fsr-3527	22	23	in	in	ADP
fsr-3527	22	24	our	our	PRON
fsr-3527	22	25	ever	ever	ADV
fsr-3527	22	26	-	-	PUNCT
fsr-3527	22	27	evolving	evolve	VERB
fsr-3527	22	28	discipline	discipline	NOUN
fsr-3527	22	29	thank	thank	VERB
fsr-3527	22	30	you	you	PRON
fsr-3527	22	31	for	for	ADP
fsr-3527	22	32	your	your	PRON
fsr-3527	22	33	support	support	NOUN
fsr-3527	22	34	and	and	CCONJ
fsr-3527	22	35	engagement	engagement	NOUN
fsr-3527	22	36	over	over	ADP
fsr-3527	22	37	the	the	DET
fsr-3527	22	38	years	year	NOUN
fsr-3527	22	39	.	.	PUNCT
fsr-3527	23	1	warm	warm	ADJ
fsr-3527	23	2	regards	regard	NOUN
fsr-3527	23	3	,	,	PUNCT
fsr-3527	23	4	dr	dr	PROPN
fsr-3527	23	5	.	.	PROPN
fsr-3527	23	6	terrance	terrance	PROPN
fsr-3527	24	1	k.	k.	PROPN
fsr-3527	24	2	martin	martin	PROPN
fsr-3527	25	1	jr	jr	PROPN
fsr-3527	25	2	.	.	PROPN
fsr-3527	25	3	editor	editor	PROPN
fsr-3527	25	4	(	(	PUNCT
fsr-3527	25	5	outgoing	outgoing	PROPN
fsr-3527	25	6	)	)	PUNCT
fsr-3527	25	7	,	,	PUNCT
fsr-3527	25	8	financial	financial	ADJ
fsr-3527	25	9	services	service	NOUN
fsr-3527	25	10	review	review	VERB
fsr-3527	25	11	1057	1057	NUM
fsr-3527	25	12	-	-	SYM
fsr-3527	25	13	0810/23/$	0810/23/$	NUM
fsr-3527	25	14	–	–	PUNCT
fsr-3527	25	15	see	see	VERB
fsr-3527	25	16	front	front	ADJ
fsr-3527	25	17	matter	matter	NOUN
fsr-3527	25	18	©	©	PROPN
fsr-3527	25	19	2023	2023	NUM
fsr-3527	25	20	academy	academy	NOUN
fsr-3527	25	21	of	of	ADP
fsr-3527	25	22	financial	financial	ADJ
fsr-3527	25	23	services	service	NOUN
fsr-3527	25	24	.	.	PUNCT
fsr-3527	26	1	all	all	DET
fsr-3527	26	2	rights	right	NOUN
fsr-3527	26	3	reserved	reserve	VERB
fsr-3527	26	4	.	.	PUNCT
fsr-3527	27	1	vi	vi	PROPN
fsr-3527	27	2	t.	t.	PROPN
fsr-3527	27	3	k.	k.	PROPN
fsr-3527	27	4	martin	martin	PROPN
fsr-3527	27	5	/	/	SYM
fsr-3527	27	6	financial	financial	ADJ
fsr-3527	27	7	services	service	NOUN
fsr-3527	27	8	review	review	VERB
fsr-3527	27	9	31	31	NUM
fsr-3527	27	10	(	(	PUNCT
fsr-3527	27	11	2023	2023	NUM
fsr-3527	27	12	)	)	PUNCT
fsr-3527	27	13	v	v	NOUN
fsr-3527	27	14	–	–	PUNCT
fsr-3527	27	15	vi	vi	NOUN