id	sid	tid	token	lemma	pos
fsr-3528	1	1	finser_31	finser_31	PROPN
fsr-3528	1	2	-	-	PUNCT
fsr-3528	1	3	2_complete_issue	2_complete_issue	NUM
fsr-3528	1	4	the	the	DET
fsr-3528	1	5	changing	change	VERB
fsr-3528	1	6	assessment	assessment	NOUN
fsr-3528	1	7	of	of	ADP
fsr-3528	1	8	risk	risk	NOUN
fsr-3528	1	9	for	for	ADP
fsr-3528	1	10	young	young	ADJ
fsr-3528	1	11	investors	investor	NOUN
fsr-3528	1	12	kristine	kristine	PROPN
fsr-3528	1	13	l.	l.	PROPN
fsr-3528	1	14	becka	becka	PROPN
fsr-3528	1	15	,	,	PUNCT
fsr-3528	1	16	hsin	hsin	PROPN
fsr-3528	1	17	-	-	PUNCT
fsr-3528	1	18	hui	hui	PROPN
fsr-3528	1	19	chiub	chiub	PROPN
fsr-3528	1	20	,	,	PUNCT
fsr-3528	1	21	inga	inga	PROPN
fsr-3528	1	22	timmermanc	timmermanc	NOUN
fsr-3528	1	23	,	,	PUNCT
fsr-3528	1	24	*	*	PUNCT
fsr-3528	1	25	adepartment	adepartment	NOUN
fsr-3528	1	26	of	of	ADP
fsr-3528	1	27	finance	finance	NOUN
fsr-3528	1	28	,	,	PUNCT
fsr-3528	1	29	financial	financial	ADJ
fsr-3528	1	30	planning	planning	NOUN
fsr-3528	1	31	and	and	CCONJ
fsr-3528	1	32	insurance	insurance	NOUN
fsr-3528	1	33	,	,	PUNCT
fsr-3528	1	34	california	california	PROPN
fsr-3528	1	35	state	state	PROPN
fsr-3528	1	36	university	university	PROPN
fsr-3528	1	37	,	,	PUNCT
fsr-3528	1	38	northridge	northridge	NOUN
fsr-3528	1	39	,	,	PUNCT
fsr-3528	1	40	18111	18111	NUM
fsr-3528	1	41	nordoff	nordoff	PROPN
fsr-3528	1	42	street	street	PROPN
fsr-3528	1	43	,	,	PUNCT
fsr-3528	1	44	northridge	northridge	PROPN
fsr-3528	1	45	,	,	PUNCT
fsr-3528	1	46	ca	ca	NOUN
fsr-3528	1	47	91330	91330	NUM
fsr-3528	1	48	-	-	SYM
fsr-3528	1	49	8379	8379	NUM
fsr-3528	1	50	,	,	PUNCT
fsr-3528	1	51	usa	usa	PROPN
fsr-3528	1	52	bdepartment	bdepartment	PROPN
fsr-3528	1	53	of	of	ADP
fsr-3528	1	54	finance	finance	NOUN
fsr-3528	1	55	,	,	PUNCT
fsr-3528	1	56	financial	financial	ADJ
fsr-3528	1	57	planning	planning	NOUN
fsr-3528	1	58	and	and	CCONJ
fsr-3528	1	59	insurance	insurance	NOUN
fsr-3528	1	60	,	,	PUNCT
fsr-3528	1	61	california	california	PROPN
fsr-3528	1	62	state	state	PROPN
fsr-3528	1	63	university	university	PROPN
fsr-3528	1	64	,	,	PUNCT
fsr-3528	1	65	northridge	northridge	NOUN
fsr-3528	1	66	,	,	PUNCT
fsr-3528	1	67	18111	18111	NUM
fsr-3528	1	68	nordoff	nordoff	PROPN
fsr-3528	1	69	street	street	PROPN
fsr-3528	1	70	,	,	PUNCT
fsr-3528	1	71	northridge	northridge	PROPN
fsr-3528	1	72	,	,	PUNCT
fsr-3528	1	73	ca	ca	NOUN
fsr-3528	1	74	91330	91330	NUM
fsr-3528	1	75	-	-	SYM
fsr-3528	1	76	8379	8379	NUM
fsr-3528	1	77	,	,	PUNCT
fsr-3528	1	78	usa	usa	PROPN
fsr-3528	1	79	cdepartment	cdepartment	PROPN
fsr-3528	1	80	of	of	ADP
fsr-3528	1	81	accounting	accounting	NOUN
fsr-3528	1	82	and	and	CCONJ
fsr-3528	1	83	finance	finance	NOUN
fsr-3528	1	84	,	,	PUNCT
fsr-3528	1	85	university	university	NOUN
fsr-3528	1	86	of	of	ADP
fsr-3528	1	87	north	north	PROPN
fsr-3528	1	88	florida	florida	PROPN
fsr-3528	1	89	,	,	PUNCT
fsr-3528	1	90	1	1	NUM
fsr-3528	1	91	unf	unf	NOUN
fsr-3528	1	92	drive	drive	PROPN
fsr-3528	1	93	,	,	PUNCT
fsr-3528	1	94	jacksonville	jacksonville	PROPN
fsr-3528	1	95	,	,	PUNCT
fsr-3528	1	96	fl	fl	PROPN
fsr-3528	1	97	32224	32224	NUM
fsr-3528	1	98	,	,	PUNCT
fsr-3528	1	99	usa	usa	PROPN
fsr-3528	1	100	abstract	abstract	ADJ
fsr-3528	1	101	investment	investment	NOUN
fsr-3528	1	102	advice	advice	NOUN
fsr-3528	1	103	is	be	AUX
fsr-3528	1	104	changing	change	VERB
fsr-3528	1	105	to	to	PART
fsr-3528	1	106	incorporate	incorporate	VERB
fsr-3528	1	107	new	new	ADJ
fsr-3528	1	108	products	product	NOUN
fsr-3528	1	109	and	and	CCONJ
fsr-3528	1	110	platforms	platform	NOUN
fsr-3528	1	111	,	,	PUNCT
fsr-3528	1	112	and	and	CCONJ
fsr-3528	1	113	the	the	DET
fsr-3528	1	114	rate	rate	NOUN
fsr-3528	1	115	of	of	ADP
fsr-3528	1	116	change	change	NOUN
fsr-3528	1	117	is	be	AUX
fsr-3528	1	118	likely	likely	ADJ
fsr-3528	1	119	to	to	PART
fsr-3528	1	120	accelerate	accelerate	VERB
fsr-3528	1	121	as	as	SCONJ
fsr-3528	1	122	millennials	millennial	NOUN
fsr-3528	1	123	and	and	CCONJ
fsr-3528	1	124	gen	gen	PROPN
fsr-3528	1	125	z	z	NOUN
fsr-3528	1	126	increase	increase	VERB
fsr-3528	1	127	their	their	PRON
fsr-3528	1	128	involvement	involvement	NOUN
fsr-3528	1	129	in	in	ADP
fsr-3528	1	130	investment	investment	NOUN
fsr-3528	1	131	markets	market	NOUN
fsr-3528	1	132	.	.	PUNCT
fsr-3528	2	1	using	use	VERB
fsr-3528	2	2	survey	survey	NOUN
fsr-3528	2	3	methodology	methodology	NOUN
fsr-3528	2	4	,	,	PUNCT
fsr-3528	2	5	we	we	PRON
fsr-3528	2	6	examine	examine	VERB
fsr-3528	2	7	the	the	DET
fsr-3528	2	8	changing	change	VERB
fsr-3528	2	9	landscape	landscape	NOUN
fsr-3528	2	10	of	of	ADP
fsr-3528	2	11	risk	risk	NOUN
fsr-3528	2	12	tolerance	tolerance	NOUN
fsr-3528	2	13	for	for	ADP
fsr-3528	2	14	young	young	ADJ
fsr-3528	2	15	people	people	NOUN
fsr-3528	2	16	,	,	PUNCT
fsr-3528	2	17	concluding	conclude	VERB
fsr-3528	2	18	that	that	SCONJ
fsr-3528	2	19	the	the	DET
fsr-3528	2	20	typical	typical	ADJ
fsr-3528	2	21	risk	risk	NOUN
fsr-3528	2	22	assessment	assessment	NOUN
fsr-3528	2	23	tools	tool	NOUN
fsr-3528	2	24	advisors	advisor	NOUN
fsr-3528	2	25	use	use	VERB
fsr-3528	2	26	may	may	AUX
fsr-3528	2	27	not	not	PART
fsr-3528	2	28	be	be	AUX
fsr-3528	2	29	as	as	ADV
fsr-3528	2	30	applicable	applicable	ADJ
fsr-3528	2	31	to	to	ADP
fsr-3528	2	32	the	the	DET
fsr-3528	2	33	next	next	ADJ
fsr-3528	2	34	generation	generation	NOUN
fsr-3528	2	35	of	of	ADP
fsr-3528	2	36	investors	investor	NOUN
fsr-3528	2	37	.	.	PUNCT
fsr-3528	3	1	we	we	PRON
fsr-3528	3	2	find	find	VERB
fsr-3528	3	3	that	that	SCONJ
fsr-3528	3	4	the	the	DET
fsr-3528	3	5	components	component	NOUN
fsr-3528	3	6	that	that	PRON
fsr-3528	3	7	drive	drive	VERB
fsr-3528	3	8	willingness	willingness	NOUN
fsr-3528	3	9	to	to	PART
fsr-3528	3	10	take	take	VERB
fsr-3528	3	11	risk	risk	NOUN
fsr-3528	3	12	are	be	AUX
fsr-3528	3	13	interest	interest	NOUN
fsr-3528	3	14	in	in	ADP
fsr-3528	3	15	investments	investment	NOUN
fsr-3528	3	16	,	,	PUNCT
fsr-3528	3	17	self	self	NOUN
fsr-3528	3	18	-	-	PUNCT
fsr-3528	3	19	reported	report	VERB
fsr-3528	3	20	investment	investment	NOUN
fsr-3528	3	21	risk	risk	NOUN
fsr-3528	3	22	tolerance	tolerance	NOUN
fsr-3528	3	23	,	,	PUNCT
fsr-3528	3	24	and	and	CCONJ
fsr-3528	3	25	ownership	ownership	NOUN
fsr-3528	3	26	of	of	ADP
fsr-3528	3	27	investment	investment	NOUN
fsr-3528	3	28	accounts	account	NOUN
fsr-3528	3	29	.	.	PUNCT
fsr-3528	4	1	our	our	PRON
fsr-3528	4	2	findings	finding	NOUN
fsr-3528	4	3	indicate	indicate	VERB
fsr-3528	4	4	that	that	SCONJ
fsr-3528	4	5	it	it	PRON
fsr-3528	4	6	is	be	AUX
fsr-3528	4	7	time	time	NOUN
fsr-3528	4	8	to	to	PART
fsr-3528	4	9	start	start	VERB
fsr-3528	4	10	assessing	assess	VERB
fsr-3528	4	11	risk	risk	NOUN
fsr-3528	4	12	differently.1,2,3	differently.1,2,3	NOUN
fsr-3528	4	13	©	©	PROPN
fsr-3528	4	14	2023	2023	NUM
fsr-3528	4	15	academy	academy	NOUN
fsr-3528	4	16	of	of	ADP
fsr-3528	4	17	financial	financial	ADJ
fsr-3528	4	18	services	service	NOUN
fsr-3528	4	19	.	.	PUNCT
fsr-3528	5	1	all	all	DET
fsr-3528	5	2	rights	right	NOUN
fsr-3528	5	3	reserved	reserve	VERB
fsr-3528	5	4	.	.	PUNCT
fsr-3528	6	1	jel	jel	PROPN
fsr-3528	6	2	classifications	classification	NOUN
fsr-3528	6	3	:	:	PUNCT
fsr-3528	6	4	g11	g11	NOUN
fsr-3528	6	5	;	;	PUNCT
fsr-3528	6	6	g59	g59	NOUN
fsr-3528	6	7	;	;	PUNCT
fsr-3528	6	8	d81	d81	NOUN
fsr-3528	6	9	keywords	keyword	NOUN
fsr-3528	6	10	:	:	PUNCT
fsr-3528	6	11	investment	investment	NOUN
fsr-3528	6	12	risk	risk	NOUN
fsr-3528	6	13	;	;	PUNCT
fsr-3528	6	14	risk	risk	NOUN
fsr-3528	6	15	assessment	assessment	NOUN
fsr-3528	6	16	;	;	PUNCT
fsr-3528	6	17	risk	risk	NOUN
fsr-3528	6	18	tolerance	tolerance	NOUN
fsr-3528	6	19	1	1	NUM
fsr-3528	6	20	.	.	PUNCT
fsr-3528	6	21	introduction	introduction	NOUN
fsr-3528	6	22	and	and	CCONJ
fsr-3528	6	23	literature	literature	NOUN
fsr-3528	6	24	review	review	NOUN
fsr-3528	6	25	according	accord	VERB
fsr-3528	6	26	to	to	ADP
fsr-3528	6	27	mckinsey	mckinsey	PROPN
fsr-3528	6	28	&	&	CCONJ
fsr-3528	6	29	company	company	PROPN
fsr-3528	6	30	research	research	NOUN
fsr-3528	6	31	,	,	PUNCT
fsr-3528	6	32	the	the	DET
fsr-3528	6	33	wealth	wealth	NOUN
fsr-3528	6	34	management	management	NOUN
fsr-3528	6	35	industry	industry	NOUN
fsr-3528	6	36	in	in	ADP
fsr-3528	6	37	north	north	PROPN
fsr-3528	6	38	america	america	PROPN
fsr-3528	6	39	has	have	AUX
fsr-3528	6	40	been	be	AUX
fsr-3528	6	41	evolving	evolve	VERB
fsr-3528	6	42	tremendously	tremendously	ADV
fsr-3528	6	43	over	over	ADP
fsr-3528	6	44	the	the	DET
fsr-3528	6	45	last	last	ADJ
fsr-3528	6	46	20	20	NUM
fsr-3528	6	47	years	year	NOUN
fsr-3528	6	48	.	.	PUNCT
fsr-3528	7	1	between	between	ADP
fsr-3528	7	2	2000	2000	NUM
fsr-3528	7	3	and	and	CCONJ
fsr-3528	7	4	2010	2010	NUM
fsr-3528	7	5	,	,	PUNCT
fsr-3528	7	6	total	total	ADJ
fsr-3528	7	7	assets	asset	NOUN
fsr-3528	7	8	grew	grow	VERB
fsr-3528	7	9	by	by	ADP
fsr-3528	7	10	approximately	approximately	ADV
fsr-3528	7	11	45	45	NUM
fsr-3528	7	12	%	%	NOUN
fsr-3528	7	13	,	,	PUNCT
fsr-3528	7	14	from	from	ADP
fsr-3528	7	15	$	$	SYM
fsr-3528	7	16	13	13	NUM
fsr-3528	7	17	trillion	trillion	NUM
fsr-3528	7	18	to	to	PART
fsr-3528	7	19	$	$	SYM
fsr-3528	7	20	19	19	NUM
fsr-3528	7	21	trillion	trillion	NUM
fsr-3528	7	22	,	,	PUNCT
fsr-3528	7	23	and	and	CCONJ
fsr-3528	7	24	by	by	ADP
fsr-3528	7	25	2018	2018	NUM
fsr-3528	7	26	client	client	NOUN
fsr-3528	7	27	assets	asset	NOUN
fsr-3528	7	28	were	be	AUX
fsr-3528	7	29	up	up	ADV
fsr-3528	7	30	to	to	PART
fsr-3528	7	31	$	$	SYM
fsr-3528	7	32	30.5	30.5	NUM
fsr-3528	7	33	trillion.4	trillion.4	NOUN
fsr-3528	7	34	more	more	ADV
fsr-3528	7	35	importantly	importantly	ADV
fsr-3528	7	36	,	,	PUNCT
fsr-3528	7	37	mckinsey	mckinsey	PROPN
fsr-3528	7	38	determined	determine	VERB
fsr-3528	7	39	that	that	SCONJ
fsr-3528	7	40	both	both	CCONJ
fsr-3528	7	41	the	the	DET
fsr-3528	7	42	demographic	demographic	ADJ
fsr-3528	7	43	composition	composition	NOUN
fsr-3528	7	44	of	of	ADP
fsr-3528	7	45	those	those	PRON
fsr-3528	7	46	who	who	PRON
fsr-3528	7	47	invest	invest	VERB
fsr-3528	7	48	and	and	CCONJ
fsr-3528	7	49	their	their	PRON
fsr-3528	7	50	investment	investment	NOUN
fsr-3528	7	51	choices	choice	NOUN
fsr-3528	7	52	are	be	AUX
fsr-3528	7	53	very	very	ADV
fsr-3528	7	54	different	different	ADJ
fsr-3528	7	55	today	today	NOUN
fsr-3528	7	56	than	than	SCONJ
fsr-3528	7	57	they	they	PRON
fsr-3528	7	58	were	be	AUX
fsr-3528	7	59	20	20	NUM
fsr-3528	7	60	years	year	NOUN
fsr-3528	7	61	ago	ago	ADV
fsr-3528	7	62	.	.	PUNCT
fsr-3528	8	1	millennials	millennial	NOUN
fsr-3528	8	2	and	and	CCONJ
fsr-3528	8	3	gen	gen	PROPN
fsr-3528	8	4	z	z	NOUN
fsr-3528	8	5	segments	segment	NOUN
fsr-3528	8	6	of	of	ADP
fsr-3528	8	7	the	the	DET
fsr-3528	8	8	population	population	NOUN
fsr-3528	8	9	control	control	VERB
fsr-3528	8	10	more	more	ADJ
fsr-3528	8	11	assets	asset	NOUN
fsr-3528	8	12	than	than	ADP
fsr-3528	8	13	ever	ever	ADV
fsr-3528	8	14	,	,	PUNCT
fsr-3528	8	15	and	and	CCONJ
fsr-3528	8	16	their	their	PRON
fsr-3528	8	17	ease	ease	NOUN
fsr-3528	8	18	of	of	ADP
fsr-3528	8	19	use	use	NOUN
fsr-3528	8	20	with	with	ADP
fsr-3528	8	21	digital	digital	ADJ
fsr-3528	8	22	tools	tool	NOUN
fsr-3528	8	23	is	be	AUX
fsr-3528	8	24	extremely	extremely	ADV
fsr-3528	8	25	high	high	ADJ
fsr-3528	8	26	.	.	PUNCT
fsr-3528	9	1	for	for	ADP
fsr-3528	9	2	example	example	NOUN
fsr-3528	9	3	,	,	PUNCT
fsr-3528	9	4	while	while	SCONJ
fsr-3528	9	5	31	31	NUM
fsr-3528	9	6	%	%	NOUN
fsr-3528	9	7	of	of	ADP
fsr-3528	9	8	affluent	affluent	ADJ
fsr-3528	9	9	gen	gen	PROPN
fsr-3528	9	10	z	z	NOUN
fsr-3528	9	11	use	use	VERB
fsr-3528	9	12	a	a	DET
fsr-3528	9	13	robo	robo	NOUN
fsr-3528	9	14	-	-	PUNCT
fsr-3528	9	15	advisor	advisor	NOUN
fsr-3528	9	16	,	,	PUNCT
fsr-3528	9	17	only	only	ADV
fsr-3528	9	18	13	13	NUM
fsr-3528	9	19	%	%	NOUN
fsr-3528	9	20	of	of	ADP
fsr-3528	9	21	gen	gen	PROPN
fsr-3528	9	22	x	x	PUNCT
fsr-3528	9	23	do	do	AUX
fsr-3528	9	24	so.5	so.5	PROPN
fsr-3528	9	25	but	but	CCONJ
fsr-3528	9	26	*	*	VERB
fsr-3528	9	27	corresponding	correspond	VERB
fsr-3528	9	28	author	author	NOUN
fsr-3528	9	29	.	.	PUNCT
fsr-3528	10	1	tel	tel	PROPN
fsr-3528	10	2	.	.	PUNCT
fsr-3528	10	3	:	:	PUNCT
fsr-3528	10	4	(	(	PUNCT
fsr-3528	10	5	904	904	NUM
fsr-3528	10	6	)	)	PUNCT
fsr-3528	10	7	620	620	NUM
fsr-3528	10	8	-	-	PUNCT
fsr-3528	10	9	5354	5354	NUM
fsr-3528	10	10	.	.	PUNCT
fsr-3528	11	1	e	e	X
fsr-3528	11	2	-	-	NOUN
fsr-3528	11	3	mail	mail	NOUN
fsr-3528	11	4	address	address	NOUN
fsr-3528	11	5	:	:	PUNCT
fsr-3528	11	6	inga.timmerman@unf.edu	inga.timmerman@unf.edu	PROPN
fsr-3528	11	7	(	(	PUNCT
fsr-3528	11	8	i.	i.	PROPN
fsr-3528	11	9	timmerman	timmerman	PROPN
fsr-3528	11	10	)	)	PUNCT
fsr-3528	11	11	1057	1057	NUM
fsr-3528	11	12	-	-	SYM
fsr-3528	11	13	0810/23/$	0810/23/$	NUM
fsr-3528	11	14	–	–	PUNCT
fsr-3528	11	15	see	see	VERB
fsr-3528	11	16	front	front	ADJ
fsr-3528	11	17	matter	matter	NOUN
fsr-3528	11	18	©	©	PROPN
fsr-3528	11	19	2023	2023	NUM
fsr-3528	11	20	academy	academy	NOUN
fsr-3528	11	21	of	of	ADP
fsr-3528	11	22	financial	financial	ADJ
fsr-3528	11	23	services	service	NOUN
fsr-3528	11	24	.	.	PUNCT
fsr-3528	12	1	all	all	DET
fsr-3528	12	2	rights	right	NOUN
fsr-3528	12	3	reserved	reserve	VERB
fsr-3528	12	4	.	.	PUNCT
fsr-3528	13	1	financial	financial	ADJ
fsr-3528	13	2	services	service	NOUN
fsr-3528	13	3	review	review	VERB
fsr-3528	13	4	31	31	NUM
fsr-3528	13	5	(	(	PUNCT
fsr-3528	13	6	2023	2023	NUM
fsr-3528	13	7	)	)	PUNCT
fsr-3528	14	1	97–106	97–106	NUM
fsr-3528	14	2	how	how	SCONJ
fsr-3528	14	3	do	do	AUX
fsr-3528	14	4	gen	gen	PROPN
fsr-3528	14	5	z	z	NOUN
fsr-3528	14	6	investors	investor	NOUN
fsr-3528	14	7	decide	decide	VERB
fsr-3528	14	8	on	on	ADP
fsr-3528	14	9	investments	investment	NOUN
fsr-3528	14	10	and	and	CCONJ
fsr-3528	14	11	how	how	SCONJ
fsr-3528	14	12	do	do	AUX
fsr-3528	14	13	they	they	PRON
fsr-3528	14	14	measure	measure	VERB
fsr-3528	14	15	their	their	PRON
fsr-3528	14	16	risk	risk	NOUN
fsr-3528	14	17	tolerance	tolerance	NOUN
fsr-3528	14	18	and	and	CCONJ
fsr-3528	14	19	capacity	capacity	NOUN
fsr-3528	14	20	?	?	PUNCT
fsr-3528	15	1	many	many	ADJ
fsr-3528	15	2	instruments	instrument	NOUN
fsr-3528	15	3	are	be	AUX
fsr-3528	15	4	available	available	ADJ
fsr-3528	15	5	to	to	PART
fsr-3528	15	6	assess	assess	VERB
fsr-3528	15	7	risk	risk	NOUN
fsr-3528	15	8	tolerance	tolerance	NOUN
fsr-3528	15	9	for	for	ADP
fsr-3528	15	10	portfolio	portfolio	NOUN
fsr-3528	15	11	construction	construction	NOUN
fsr-3528	15	12	,	,	PUNCT
fsr-3528	15	13	some	some	PRON
fsr-3528	15	14	linking	link	VERB
fsr-3528	15	15	risk	risk	NOUN
fsr-3528	15	16	tolerance	tolerance	NOUN
fsr-3528	15	17	to	to	ADP
fsr-3528	15	18	financial	financial	ADJ
fsr-3528	15	19	knowledge	knowledge	NOUN
fsr-3528	15	20	.	.	PUNCT
fsr-3528	16	1	it	it	PRON
fsr-3528	16	2	is	be	AUX
fsr-3528	16	3	unclear	unclear	ADJ
fsr-3528	16	4	,	,	PUNCT
fsr-3528	16	5	however	however	ADV
fsr-3528	16	6	,	,	PUNCT
fsr-3528	16	7	how	how	SCONJ
fsr-3528	16	8	well	well	ADV
fsr-3528	16	9	these	these	DET
fsr-3528	16	10	tools	tool	NOUN
fsr-3528	16	11	capture	capture	VERB
fsr-3528	16	12	the	the	DET
fsr-3528	16	13	changing	change	VERB
fsr-3528	16	14	world	world	NOUN
fsr-3528	16	15	of	of	ADP
fsr-3528	16	16	investment	investment	NOUN
fsr-3528	16	17	risk	risk	NOUN
fsr-3528	16	18	.	.	PUNCT
fsr-3528	17	1	when	when	SCONJ
fsr-3528	17	2	a	a	DET
fsr-3528	17	3	20	20	NUM
fsr-3528	17	4	-	-	PUNCT
fsr-3528	17	5	year	year	NOUN
fsr-3528	17	6	-	-	PUNCT
fsr-3528	17	7	old	old	ADJ
fsr-3528	17	8	has	have	VERB
fsr-3528	17	9	a	a	DET
fsr-3528	17	10	cryptocurrency	cryptocurrency	NOUN
fsr-3528	17	11	wallet	wallet	NOUN
fsr-3528	17	12	,	,	PUNCT
fsr-3528	17	13	access	access	NOUN
fsr-3528	17	14	to	to	ADP
fsr-3528	17	15	a	a	DET
fsr-3528	17	16	brokerage	brokerage	NOUN
fsr-3528	17	17	account	account	NOUN
fsr-3528	17	18	in	in	ADP
fsr-3528	17	19	the	the	DET
fsr-3528	17	20	form	form	NOUN
fsr-3528	17	21	of	of	ADP
fsr-3528	17	22	a	a	DET
fsr-3528	17	23	robinhood	robinhood	PROPN
fsr-3528	17	24	app	app	NOUN
fsr-3528	17	25	,	,	PUNCT
fsr-3528	17	26	and	and	CCONJ
fsr-3528	17	27	is	be	AUX
fsr-3528	17	28	having	have	VERB
fsr-3528	17	29	conversations	conversation	NOUN
fsr-3528	17	30	about	about	ADP
fsr-3528	17	31	gamestop	gamestop	NOUN
fsr-3528	17	32	,	,	PUNCT
fsr-3528	17	33	one	one	NUM
fsr-3528	17	34	wonders	wonder	VERB
fsr-3528	17	35	how	how	SCONJ
fsr-3528	17	36	well	well	ADV
fsr-3528	17	37	the	the	DET
fsr-3528	17	38	traditional	traditional	ADJ
fsr-3528	17	39	risk	risk	NOUN
fsr-3528	17	40	profiling	profiling	NOUN
fsr-3528	17	41	tools	tool	NOUN
fsr-3528	17	42	capture	capture	VERB
fsr-3528	17	43	both	both	DET
fsr-3528	17	44	financial	financial	ADJ
fsr-3528	17	45	knowledge	knowledge	NOUN
fsr-3528	17	46	and	and	CCONJ
fsr-3528	17	47	risk	risk	NOUN
fsr-3528	17	48	tolerance.6	tolerance.6	NOUN
fsr-3528	17	49	what	what	PRON
fsr-3528	17	50	is	be	AUX
fsr-3528	17	51	becoming	become	VERB
fsr-3528	17	52	clear	clear	ADJ
fsr-3528	17	53	is	be	AUX
fsr-3528	17	54	that	that	SCONJ
fsr-3528	17	55	the	the	DET
fsr-3528	17	56	large	large	ADJ
fsr-3528	17	57	segment	segment	NOUN
fsr-3528	17	58	of	of	ADP
fsr-3528	17	59	the	the	DET
fsr-3528	17	60	population	population	NOUN
fsr-3528	17	61	that	that	PRON
fsr-3528	17	62	is	be	AUX
fsr-3528	17	63	moving	move	VERB
fsr-3528	17	64	into	into	ADP
fsr-3528	17	65	the	the	DET
fsr-3528	17	66	asset	asset	NOUN
fsr-3528	17	67	accumulation	accumulation	NOUN
fsr-3528	17	68	phase	phase	NOUN
fsr-3528	17	69	has	have	VERB
fsr-3528	17	70	a	a	DET
fsr-3528	17	71	very	very	ADV
fsr-3528	17	72	different	different	ADJ
fsr-3528	17	73	perception	perception	NOUN
fsr-3528	17	74	of	of	ADP
fsr-3528	17	75	risk	risk	NOUN
fsr-3528	17	76	than	than	ADP
fsr-3528	17	77	the	the	DET
fsr-3528	17	78	prior	prior	ADJ
fsr-3528	17	79	generation	generation	NOUN
fsr-3528	17	80	of	of	ADP
fsr-3528	17	81	advisory	advisory	ADJ
fsr-3528	17	82	clients	client	NOUN
fsr-3528	17	83	.	.	PUNCT
fsr-3528	18	1	as	as	ADP
fsr-3528	18	2	a	a	DET
fsr-3528	18	3	result	result	NOUN
fsr-3528	18	4	,	,	PUNCT
fsr-3528	18	5	it	it	PRON
fsr-3528	18	6	is	be	AUX
fsr-3528	18	7	important	important	ADJ
fsr-3528	18	8	to	to	PART
fsr-3528	18	9	modify	modify	VERB
fsr-3528	18	10	the	the	DET
fsr-3528	18	11	tools	tool	NOUN
fsr-3528	18	12	used	use	VERB
fsr-3528	18	13	to	to	PART
fsr-3528	18	14	assess	assess	VERB
fsr-3528	18	15	those	those	DET
fsr-3528	18	16	risks	risk	NOUN
fsr-3528	18	17	to	to	PART
fsr-3528	18	18	better	well	ADV
fsr-3528	18	19	capture	capture	VERB
fsr-3528	18	20	the	the	DET
fsr-3528	18	21	shifts	shift	NOUN
fsr-3528	18	22	in	in	ADP
fsr-3528	18	23	financial	financial	ADJ
fsr-3528	18	24	risk	risk	NOUN
fsr-3528	18	25	tolerance	tolerance	NOUN
fsr-3528	18	26	.	.	PUNCT
fsr-3528	19	1	understanding	understand	VERB
fsr-3528	19	2	a	a	DET
fsr-3528	19	3	client	client	NOUN
fsr-3528	19	4	’s	’s	PART
fsr-3528	19	5	risk	risk	NOUN
fsr-3528	19	6	tolerance	tolerance	NOUN
fsr-3528	19	7	is	be	AUX
fsr-3528	19	8	the	the	DET
fsr-3528	19	9	most	most	ADV
fsr-3528	19	10	pressing	press	VERB
fsr-3528	19	11	issue	issue	NOUN
fsr-3528	19	12	in	in	ADP
fsr-3528	19	13	a	a	DET
fsr-3528	19	14	successful	successful	ADJ
fsr-3528	19	15	financial	financial	ADJ
fsr-3528	19	16	planning	planning	NOUN
fsr-3528	19	17	process	process	NOUN
fsr-3528	19	18	(	(	PUNCT
fsr-3528	19	19	moreschi	moreschi	ADJ
fsr-3528	19	20	,	,	PUNCT
fsr-3528	19	21	2005	2005	NUM
fsr-3528	19	22	)	)	PUNCT
fsr-3528	19	23	.	.	PUNCT
fsr-3528	20	1	we	we	PRON
fsr-3528	20	2	argue	argue	VERB
fsr-3528	20	3	that	that	SCONJ
fsr-3528	20	4	traditional	traditional	ADJ
fsr-3528	20	5	risk	risk	NOUN
fsr-3528	20	6	-	-	PUNCT
fsr-3528	20	7	based	base	VERB
fsr-3528	20	8	portfolio	portfolio	NOUN
fsr-3528	20	9	construction	construction	NOUN
fsr-3528	20	10	methods	method	NOUN
fsr-3528	20	11	may	may	AUX
fsr-3528	20	12	not	not	PART
fsr-3528	20	13	be	be	AUX
fsr-3528	20	14	the	the	DET
fsr-3528	20	15	most	most	ADV
fsr-3528	20	16	suitable	suitable	ADJ
fsr-3528	20	17	way	way	NOUN
fsr-3528	20	18	to	to	PART
fsr-3528	20	19	build	build	VERB
fsr-3528	20	20	portfolios	portfolio	NOUN
fsr-3528	20	21	for	for	ADP
fsr-3528	20	22	divergent	divergent	ADJ
fsr-3528	20	23	generations	generation	NOUN
fsr-3528	20	24	.	.	PUNCT
fsr-3528	21	1	several	several	ADJ
fsr-3528	21	2	research	research	NOUN
fsr-3528	21	3	papers	paper	NOUN
fsr-3528	21	4	have	have	AUX
fsr-3528	21	5	already	already	ADV
fsr-3528	21	6	questioned	question	VERB
fsr-3528	21	7	whether	whether	SCONJ
fsr-3528	21	8	traditional	traditional	ADJ
fsr-3528	21	9	questionnaires	questionnaire	NOUN
fsr-3528	21	10	could	could	AUX
fsr-3528	21	11	truly	truly	ADV
fsr-3528	21	12	assess	assess	VERB
fsr-3528	21	13	a	a	DET
fsr-3528	21	14	client	client	NOUN
fsr-3528	21	15	’s	’s	PART
fsr-3528	21	16	risk	risk	NOUN
fsr-3528	21	17	tolerance	tolerance	NOUN
fsr-3528	21	18	(	(	PUNCT
fsr-3528	21	19	yook	yook	NOUN
fsr-3528	21	20	&	&	CCONJ
fsr-3528	21	21	everett	everett	PROPN
fsr-3528	21	22	,	,	PUNCT
fsr-3528	21	23	2003	2003	NUM
fsr-3528	21	24	;	;	PUNCT
fsr-3528	21	25	bouchey	bouchey	PRON
fsr-3528	21	26	,	,	PUNCT
fsr-3528	21	27	2004	2004	NUM
fsr-3528	21	28	;	;	PUNCT
fsr-3528	21	29	roszkowski	roszkowski	NOUN
fsr-3528	21	30	,	,	PUNCT
fsr-3528	21	31	davey	davey	NOUN
fsr-3528	21	32	,	,	PUNCT
fsr-3528	21	33	&	&	CCONJ
fsr-3528	21	34	grable	grable	NOUN
fsr-3528	21	35	2005	2005	NUM
fsr-3528	21	36	)	)	PUNCT
fsr-3528	21	37	.	.	PUNCT
fsr-3528	22	1	risk	risk	NOUN
fsr-3528	22	2	assessment	assessment	NOUN
fsr-3528	22	3	tools	tool	NOUN
fsr-3528	22	4	developed	develop	VERB
fsr-3528	22	5	by	by	ADP
fsr-3528	22	6	academics	academic	NOUN
fsr-3528	22	7	and	and	CCONJ
fsr-3528	22	8	used	use	VERB
fsr-3528	22	9	by	by	ADP
fsr-3528	22	10	advisors	advisor	NOUN
fsr-3528	22	11	for	for	ADP
fsr-3528	22	12	decades	decade	NOUN
fsr-3528	22	13	may	may	AUX
fsr-3528	22	14	not	not	PART
fsr-3528	22	15	accurately	accurately	ADV
fsr-3528	22	16	assess	assess	VERB
fsr-3528	22	17	the	the	DET
fsr-3528	22	18	risk	risk	NOUN
fsr-3528	22	19	tolerance	tolerance	NOUN
fsr-3528	22	20	and	and	CCONJ
fsr-3528	22	21	risk	risk	NOUN
fsr-3528	22	22	inclination	inclination	NOUN
fsr-3528	22	23	of	of	ADP
fsr-3528	22	24	incoming	incoming	ADJ
fsr-3528	22	25	investors	investor	NOUN
fsr-3528	22	26	.	.	PUNCT
fsr-3528	23	1	to	to	PART
fsr-3528	23	2	partially	partially	ADV
fsr-3528	23	3	solve	solve	VERB
fsr-3528	23	4	this	this	DET
fsr-3528	23	5	problem	problem	NOUN
fsr-3528	23	6	,	,	PUNCT
fsr-3528	23	7	roszkowski	roszkowski	NOUN
fsr-3528	23	8	and	and	CCONJ
fsr-3528	23	9	grable	grable	ADJ
fsr-3528	23	10	(	(	PUNCT
fsr-3528	23	11	2005	2005	NUM
fsr-3528	23	12	)	)	PUNCT
fsr-3528	23	13	propose	propose	VERB
fsr-3528	23	14	to	to	PART
fsr-3528	23	15	introduce	introduce	VERB
fsr-3528	23	16	psychology	psychology	NOUN
fsr-3528	23	17	and	and	CCONJ
fsr-3528	23	18	psychometrics	psychometric	NOUN
fsr-3528	23	19	into	into	ADP
fsr-3528	23	20	designing	design	VERB
fsr-3528	23	21	a	a	DET
fsr-3528	23	22	more	more	ADV
fsr-3528	23	23	appropriate	appropriate	ADJ
fsr-3528	23	24	questionnaire	questionnaire	NOUN
fsr-3528	23	25	to	to	PART
fsr-3528	23	26	assess	assess	VERB
fsr-3528	23	27	true	true	ADJ
fsr-3528	23	28	risk	risk	NOUN
fsr-3528	23	29	tolerance	tolerance	NOUN
fsr-3528	23	30	.	.	PUNCT
fsr-3528	24	1	more	more	ADV
fsr-3528	24	2	recent	recent	ADJ
fsr-3528	24	3	literature	literature	NOUN
fsr-3528	24	4	proposes	propose	VERB
fsr-3528	24	5	to	to	PART
fsr-3528	24	6	design	design	VERB
fsr-3528	24	7	an	an	DET
fsr-3528	24	8	instrument	instrument	NOUN
fsr-3528	24	9	to	to	PART
fsr-3528	24	10	assess	assess	VERB
fsr-3528	24	11	various	various	ADJ
fsr-3528	24	12	aspects	aspect	NOUN
fsr-3528	24	13	of	of	ADP
fsr-3528	24	14	risk	risk	NOUN
fsr-3528	24	15	tolerance	tolerance	NOUN
fsr-3528	24	16	(	(	PUNCT
fsr-3528	24	17	risk	risk	NOUN
fsr-3528	24	18	knowledge	knowledge	NOUN
fsr-3528	24	19	,	,	PUNCT
fsr-3528	24	20	risk	risk	NOUN
fsr-3528	24	21	capacity	capacity	NOUN
fsr-3528	24	22	,	,	PUNCT
fsr-3528	24	23	risk	risk	NOUN
fsr-3528	24	24	attitude	attitude	NOUN
fsr-3528	24	25	,	,	PUNCT
fsr-3528	24	26	and	and	CCONJ
fsr-3528	24	27	risk	risk	NOUN
fsr-3528	24	28	propensity	propensity	NOUN
fsr-3528	24	29	)	)	PUNCT
fsr-3528	24	30	from	from	ADP
fsr-3528	24	31	psychological	psychological	ADJ
fsr-3528	24	32	perspectives	perspective	NOUN
fsr-3528	24	33	(	(	PUNCT
fsr-3528	24	34	wahl	wahl	PROPN
fsr-3528	24	35	&	&	CCONJ
fsr-3528	24	36	kirchler	kirchler	NOUN
fsr-3528	24	37	2020	2020	NUM
fsr-3528	24	38	)	)	PUNCT
fsr-3528	24	39	.	.	PUNCT
fsr-3528	25	1	traditional	traditional	ADJ
fsr-3528	25	2	factors	factor	NOUN
fsr-3528	25	3	such	such	ADJ
fsr-3528	25	4	as	as	ADP
fsr-3528	25	5	gender	gender	NOUN
fsr-3528	25	6	,	,	PUNCT
fsr-3528	25	7	age	age	NOUN
fsr-3528	25	8	,	,	PUNCT
fsr-3528	25	9	and	and	CCONJ
fsr-3528	25	10	household	household	NOUN
fsr-3528	25	11	income	income	NOUN
fsr-3528	25	12	are	be	AUX
fsr-3528	25	13	determinants	determinant	NOUN
fsr-3528	25	14	of	of	ADP
fsr-3528	25	15	investor	investor	NOUN
fsr-3528	25	16	risk	risk	NOUN
fsr-3528	25	17	tolerance	tolerance	NOUN
fsr-3528	25	18	(	(	PUNCT
fsr-3528	25	19	sung	sung	PROPN
fsr-3528	25	20	&	&	CCONJ
fsr-3528	25	21	hanna	hanna	PROPN
fsr-3528	25	22	1996	1996	NUM
fsr-3528	25	23	;	;	PUNCT
fsr-3528	25	24	yao	yao	PROPN
fsr-3528	25	25	&	&	CCONJ
fsr-3528	25	26	hanna	hanna	PROPN
fsr-3528	25	27	2005	2005	NUM
fsr-3528	25	28	)	)	PUNCT
fsr-3528	25	29	.	.	PUNCT
fsr-3528	26	1	education	education	NOUN
fsr-3528	26	2	level	level	NOUN
fsr-3528	26	3	is	be	AUX
fsr-3528	26	4	also	also	ADV
fsr-3528	26	5	found	find	VERB
fsr-3528	26	6	to	to	PART
fsr-3528	26	7	be	be	AUX
fsr-3528	26	8	positively	positively	ADV
fsr-3528	26	9	related	relate	VERB
fsr-3528	26	10	with	with	ADP
fsr-3528	26	11	risk	risk	NOUN
fsr-3528	26	12	tolerance	tolerance	NOUN
fsr-3528	26	13	in	in	ADP
fsr-3528	26	14	these	these	DET
fsr-3528	26	15	studies.7	studies.7	NOUN
fsr-3528	26	16	in	in	ADP
fsr-3528	26	17	particular	particular	ADJ
fsr-3528	26	18	,	,	PUNCT
fsr-3528	26	19	research	research	NOUN
fsr-3528	26	20	shows	show	VERB
fsr-3528	26	21	the	the	DET
fsr-3528	26	22	financial	financial	ADJ
fsr-3528	26	23	knowledge	knowledge	NOUN
fsr-3528	26	24	of	of	ADP
fsr-3528	26	25	college	college	NOUN
fsr-3528	26	26	students	student	NOUN
fsr-3528	26	27	is	be	AUX
fsr-3528	26	28	related	relate	VERB
fsr-3528	26	29	to	to	ADP
fsr-3528	26	30	greater	great	ADJ
fsr-3528	26	31	risk	risk	NOUN
fsr-3528	26	32	tolerance	tolerance	NOUN
fsr-3528	26	33	(	(	PUNCT
fsr-3528	26	34	park	park	NOUN
fsr-3528	26	35	et	et	PROPN
fsr-3528	26	36	al	al	PROPN
fsr-3528	26	37	.	.	PROPN
fsr-3528	26	38	,	,	PUNCT
fsr-3528	26	39	2020	2020	NUM
fsr-3528	26	40	;	;	PUNCT
fsr-3528	26	41	rabbani	rabbani	PROPN
fsr-3528	26	42	et	et	PROPN
fsr-3528	26	43	al	al	PROPN
fsr-3528	26	44	.	.	PROPN
fsr-3528	26	45	,	,	PUNCT
fsr-3528	26	46	2022	2022	NUM
fsr-3528	26	47	;	;	PUNCT
fsr-3528	26	48	sjöberg	sjöberg	PROPN
fsr-3528	26	49	&	&	CCONJ
fsr-3528	26	50	engelberg	engelberg	PROPN
fsr-3528	26	51	,	,	PUNCT
fsr-3528	26	52	2009	2009	NUM
fsr-3528	26	53	)	)	PUNCT
fsr-3528	26	54	.	.	PUNCT
fsr-3528	27	1	given	give	VERB
fsr-3528	27	2	changing	change	VERB
fsr-3528	27	3	investment	investment	NOUN
fsr-3528	27	4	demographics	demographic	NOUN
fsr-3528	27	5	and	and	CCONJ
fsr-3528	27	6	the	the	DET
fsr-3528	27	7	way	way	NOUN
fsr-3528	27	8	investment	investment	NOUN
fsr-3528	27	9	decisions	decision	NOUN
fsr-3528	27	10	are	be	AUX
fsr-3528	27	11	now	now	ADV
fsr-3528	27	12	made	make	VERB
fsr-3528	27	13	,	,	PUNCT
fsr-3528	27	14	we	we	PRON
fsr-3528	27	15	seek	seek	VERB
fsr-3528	27	16	to	to	PART
fsr-3528	27	17	understand	understand	VERB
fsr-3528	27	18	risk	risk	NOUN
fsr-3528	27	19	tolerance	tolerance	NOUN
fsr-3528	27	20	firsthand	firsthand	ADV
fsr-3528	27	21	by	by	ADP
fsr-3528	27	22	surveying	survey	VERB
fsr-3528	27	23	college	college	NOUN
fsr-3528	27	24	students	student	NOUN
fsr-3528	27	25	enrolled	enrol	VERB
fsr-3528	27	26	in	in	ADP
fsr-3528	27	27	courses	course	NOUN
fsr-3528	27	28	that	that	PRON
fsr-3528	27	29	cover	cover	VERB
fsr-3528	27	30	investment	investment	NOUN
fsr-3528	27	31	fundamentals	fundamental	NOUN
fsr-3528	27	32	.	.	PUNCT
fsr-3528	28	1	we	we	PRON
fsr-3528	28	2	measure	measure	VERB
fsr-3528	28	3	changing	change	VERB
fsr-3528	28	4	perceptions	perception	NOUN
fsr-3528	28	5	young	young	ADJ
fsr-3528	28	6	investors	investor	NOUN
fsr-3528	28	7	have	have	VERB
fsr-3528	28	8	toward	toward	ADP
fsr-3528	28	9	investment	investment	NOUN
fsr-3528	28	10	risk	risk	NOUN
fsr-3528	28	11	to	to	PART
fsr-3528	28	12	understand	understand	VERB
fsr-3528	28	13	how	how	SCONJ
fsr-3528	28	14	young	young	ADJ
fsr-3528	28	15	adults	adult	NOUN
fsr-3528	28	16	who	who	PRON
fsr-3528	28	17	have	have	AUX
fsr-3528	28	18	been	be	AUX
fsr-3528	28	19	exposed	expose	VERB
fsr-3528	28	20	to	to	ADP
fsr-3528	28	21	modern	modern	ADJ
fsr-3528	28	22	investment	investment	NOUN
fsr-3528	28	23	tools	tool	NOUN
fsr-3528	28	24	see	see	VERB
fsr-3528	28	25	risk	risk	NOUN
fsr-3528	28	26	and	and	CCONJ
fsr-3528	28	27	the	the	DET
fsr-3528	28	28	components	component	NOUN
fsr-3528	28	29	that	that	PRON
fsr-3528	28	30	make	make	VERB
fsr-3528	28	31	up	up	ADP
fsr-3528	28	32	their	their	PRON
fsr-3528	28	33	risk	risk	NOUN
fsr-3528	28	34	profile	profile	NOUN
fsr-3528	28	35	.	.	PUNCT
fsr-3528	29	1	we	we	PRON
fsr-3528	29	2	analyze	analyze	VERB
fsr-3528	29	3	the	the	DET
fsr-3528	29	4	impact	impact	NOUN
fsr-3528	29	5	of	of	ADP
fsr-3528	29	6	the	the	DET
fsr-3528	29	7	individual	individual	ADJ
fsr-3528	29	8	willingness	willingness	NOUN
fsr-3528	29	9	of	of	ADP
fsr-3528	29	10	each	each	DET
fsr-3528	29	11	survey	survey	NOUN
fsr-3528	29	12	participant	participant	NOUN
fsr-3528	29	13	to	to	PART
fsr-3528	29	14	take	take	VERB
fsr-3528	29	15	risks	risk	NOUN
fsr-3528	29	16	.	.	PUNCT
fsr-3528	30	1	specifically	specifically	ADV
fsr-3528	30	2	,	,	PUNCT
fsr-3528	30	3	we	we	PRON
fsr-3528	30	4	explore	explore	VERB
fsr-3528	30	5	the	the	DET
fsr-3528	30	6	following	follow	VERB
fsr-3528	30	7	questions	question	NOUN
fsr-3528	30	8	:	:	PUNCT
fsr-3528	30	9	(	(	PUNCT
fsr-3528	30	10	1	1	X
fsr-3528	30	11	)	)	PUNCT
fsr-3528	30	12	does	do	AUX
fsr-3528	30	13	enrollment	enrollment	NOUN
fsr-3528	30	14	in	in	ADP
fsr-3528	30	15	additional	additional	ADJ
fsr-3528	30	16	finance	finance	NOUN
fsr-3528	30	17	classes	class	NOUN
fsr-3528	30	18	change	change	VERB
fsr-3528	30	19	the	the	DET
fsr-3528	30	20	perception	perception	NOUN
fsr-3528	30	21	of	of	ADP
fsr-3528	30	22	risk	risk	NOUN
fsr-3528	30	23	tolerance	tolerance	NOUN
fsr-3528	30	24	?	?	PUNCT
fsr-3528	31	1	in	in	ADP
fsr-3528	31	2	other	other	ADJ
fsr-3528	31	3	words	word	NOUN
fsr-3528	31	4	,	,	PUNCT
fsr-3528	31	5	do	do	AUX
fsr-3528	31	6	advanced	advanced	ADJ
fsr-3528	31	7	finance	finance	NOUN
fsr-3528	31	8	classes	class	NOUN
fsr-3528	31	9	matter	matter	VERB
fsr-3528	31	10	to	to	ADP
fsr-3528	31	11	the	the	DET
fsr-3528	31	12	individual	individual	NOUN
fsr-3528	31	13	in	in	ADP
fsr-3528	31	14	the	the	DET
fsr-3528	31	15	analysis	analysis	NOUN
fsr-3528	31	16	of	of	ADP
fsr-3528	31	17	risk	risk	NOUN
fsr-3528	31	18	?	?	PUNCT
fsr-3528	32	1	(	(	PUNCT
fsr-3528	32	2	2	2	X
fsr-3528	32	3	)	)	PUNCT
fsr-3528	32	4	does	do	AUX
fsr-3528	32	5	the	the	DET
fsr-3528	32	6	knowledge	knowledge	NOUN
fsr-3528	32	7	component	component	NOUN
fsr-3528	32	8	(	(	PUNCT
fsr-3528	32	9	both	both	CCONJ
fsr-3528	32	10	objective	objective	ADJ
fsr-3528	32	11	and	and	CCONJ
fsr-3528	32	12	subjective	subjective	ADJ
fsr-3528	32	13	)	)	PUNCT
fsr-3528	32	14	still	still	ADV
fsr-3528	32	15	have	have	VERB
fsr-3528	32	16	an	an	DET
fsr-3528	32	17	impact	impact	NOUN
fsr-3528	32	18	on	on	ADP
fsr-3528	32	19	risk	risk	NOUN
fsr-3528	32	20	tolerance	tolerance	NOUN
fsr-3528	32	21	given	give	VERB
fsr-3528	32	22	the	the	DET
fsr-3528	32	23	changing	change	VERB
fsr-3528	32	24	dynamics	dynamic	NOUN
fsr-3528	32	25	of	of	ADP
fsr-3528	32	26	the	the	DET
fsr-3528	32	27	investment	investment	NOUN
fsr-3528	32	28	landscape	landscape	NOUN
fsr-3528	32	29	?	?	PUNCT
fsr-3528	33	1	(	(	PUNCT
fsr-3528	33	2	3	3	X
fsr-3528	33	3	)	)	PUNCT
fsr-3528	33	4	does	do	AUX
fsr-3528	33	5	interest	interest	NOUN
fsr-3528	33	6	and	and	CCONJ
fsr-3528	33	7	experience	experience	NOUN
fsr-3528	33	8	with	with	ADP
fsr-3528	33	9	investments	investment	NOUN
fsr-3528	33	10	affect	affect	VERB
fsr-3528	33	11	risk	risk	NOUN
fsr-3528	33	12	tolerance	tolerance	NOUN
fsr-3528	33	13	for	for	ADP
fsr-3528	33	14	current	current	ADJ
fsr-3528	33	15	college	college	NOUN
fsr-3528	33	16	students	student	NOUN
fsr-3528	33	17	?	?	PUNCT
fsr-3528	34	1	this	this	DET
fsr-3528	34	2	study	study	NOUN
fsr-3528	34	3	is	be	AUX
fsr-3528	34	4	a	a	DET
fsr-3528	34	5	first	first	ADJ
fsr-3528	34	6	step	step	NOUN
fsr-3528	34	7	aiming	aim	VERB
fsr-3528	34	8	at	at	ADP
fsr-3528	34	9	informing	inform	VERB
fsr-3528	34	10	academics	academic	NOUN
fsr-3528	34	11	of	of	ADP
fsr-3528	34	12	the	the	DET
fsr-3528	34	13	need	need	NOUN
fsr-3528	34	14	to	to	PART
fsr-3528	34	15	develop	develop	VERB
fsr-3528	34	16	new	new	ADJ
fsr-3528	34	17	and	and	CCONJ
fsr-3528	34	18	adaptive	adaptive	ADJ
fsr-3528	34	19	tools	tool	NOUN
fsr-3528	34	20	or	or	CCONJ
fsr-3528	34	21	questionnaires	questionnaire	NOUN
fsr-3528	34	22	to	to	ADP
fsr-3528	34	23	accurately	accurately	ADV
fsr-3528	34	24	98	98	NUM
fsr-3528	34	25	k.	k.	PROPN
fsr-3528	34	26	l.	l.	PROPN
fsr-3528	34	27	beck	beck	PROPN
fsr-3528	34	28	et	et	PROPN
fsr-3528	34	29	al	al	PROPN
fsr-3528	34	30	.	.	PUNCT
fsr-3528	34	31	/	/	SYM
fsr-3528	34	32	financial	financial	ADJ
fsr-3528	34	33	services	service	NOUN
fsr-3528	34	34	review	review	VERB
fsr-3528	34	35	31	31	NUM
fsr-3528	34	36	(	(	PUNCT
fsr-3528	34	37	2023	2023	NUM
fsr-3528	34	38	)	)	PUNCT
fsr-3528	35	1	97–106	97–106	PRON
fsr-3528	35	2	assess	assess	VERB
fsr-3528	35	3	the	the	DET
fsr-3528	35	4	way	way	NOUN
fsr-3528	35	5	young	young	ADJ
fsr-3528	35	6	adults	adult	NOUN
fsr-3528	35	7	make	make	VERB
fsr-3528	35	8	investment	investment	NOUN
fsr-3528	35	9	decisions	decision	NOUN
fsr-3528	35	10	.	.	PUNCT
fsr-3528	36	1	the	the	DET
fsr-3528	36	2	results	result	NOUN
fsr-3528	36	3	will	will	AUX
fsr-3528	36	4	also	also	ADV
fsr-3528	36	5	help	help	VERB
fsr-3528	36	6	advisors	advisor	NOUN
fsr-3528	36	7	serve	serve	VERB
fsr-3528	36	8	their	their	PRON
fsr-3528	36	9	future	future	ADJ
fsr-3528	36	10	gen	gen	PROPN
fsr-3528	36	11	z	z	NOUN
fsr-3528	36	12	clients	client	NOUN
fsr-3528	36	13	.	.	PUNCT
fsr-3528	37	1	2	2	X
fsr-3528	37	2	.	.	X
fsr-3528	37	3	survey	survey	NOUN
fsr-3528	37	4	design	design	NOUN
fsr-3528	37	5	and	and	CCONJ
fsr-3528	37	6	results	result	NOUN
fsr-3528	37	7	during	during	ADP
fsr-3528	37	8	the	the	DET
fsr-3528	37	9	fall	fall	NOUN
fsr-3528	37	10	2021	2021	NUM
fsr-3528	37	11	semester	semester	NOUN
fsr-3528	37	12	,	,	PUNCT
fsr-3528	37	13	we	we	PRON
fsr-3528	37	14	conducted	conduct	VERB
fsr-3528	37	15	a	a	DET
fsr-3528	37	16	survey	survey	NOUN
fsr-3528	37	17	of	of	ADP
fsr-3528	37	18	students	student	NOUN
fsr-3528	37	19	who	who	PRON
fsr-3528	37	20	have	have	AUX
fsr-3528	37	21	taken	take	VERB
fsr-3528	37	22	at	at	ADV
fsr-3528	37	23	least	least	ADV
fsr-3528	37	24	one	one	NUM
fsr-3528	37	25	finance	finance	NOUN
fsr-3528	37	26	class	class	NOUN
fsr-3528	37	27	in	in	ADP
fsr-3528	37	28	the	the	DET
fsr-3528	37	29	college	college	NOUN
fsr-3528	37	30	of	of	ADP
fsr-3528	37	31	business	business	NOUN
fsr-3528	37	32	at	at	ADP
fsr-3528	37	33	a	a	DET
fsr-3528	37	34	large	large	ADJ
fsr-3528	37	35	public	public	ADJ
fsr-3528	37	36	university	university	NOUN
fsr-3528	37	37	.	.	PUNCT
fsr-3528	38	1	we	we	PRON
fsr-3528	38	2	limit	limit	VERB
fsr-3528	38	3	the	the	DET
fsr-3528	38	4	sample	sample	NOUN
fsr-3528	38	5	to	to	ADP
fsr-3528	38	6	business	business	NOUN
fsr-3528	38	7	majors	major	NOUN
fsr-3528	38	8	/	/	SYM
fsr-3528	38	9	minors	minor	NOUN
fsr-3528	38	10	for	for	ADP
fsr-3528	38	11	two	two	NUM
fsr-3528	38	12	reasons	reason	NOUN
fsr-3528	38	13	:	:	PUNCT
fsr-3528	38	14	first	first	ADV
fsr-3528	38	15	,	,	PUNCT
fsr-3528	38	16	we	we	PRON
fsr-3528	38	17	are	be	AUX
fsr-3528	38	18	targeting	target	VERB
fsr-3528	38	19	individuals	individual	NOUN
fsr-3528	38	20	who	who	PRON
fsr-3528	38	21	have	have	AUX
fsr-3528	38	22	taken	take	VERB
fsr-3528	38	23	at	at	ADV
fsr-3528	38	24	least	least	ADV
fsr-3528	38	25	one	one	NUM
fsr-3528	38	26	introductory	introductory	ADJ
fsr-3528	38	27	finance	finance	NOUN
fsr-3528	38	28	class	class	NOUN
fsr-3528	38	29	and	and	CCONJ
fsr-3528	38	30	have	have	VERB
fsr-3528	38	31	a	a	DET
fsr-3528	38	32	basic	basic	ADJ
fsr-3528	38	33	understanding	understanding	NOUN
fsr-3528	38	34	of	of	ADP
fsr-3528	38	35	financial	financial	ADJ
fsr-3528	38	36	markets	market	NOUN
fsr-3528	38	37	and	and	CCONJ
fsr-3528	38	38	investments	investment	NOUN
fsr-3528	38	39	.	.	PUNCT
fsr-3528	39	1	second	second	ADJ
fsr-3528	39	2	,	,	PUNCT
fsr-3528	39	3	we	we	PRON
fsr-3528	39	4	want	want	VERB
fsr-3528	39	5	to	to	PART
fsr-3528	39	6	capture	capture	VERB
fsr-3528	39	7	shifting	shift	VERB
fsr-3528	39	8	demographics	demographic	NOUN
fsr-3528	39	9	and	and	CCONJ
fsr-3528	39	10	believe	believe	VERB
fsr-3528	39	11	the	the	DET
fsr-3528	39	12	university	university	NOUN
fsr-3528	39	13	environment	environment	NOUN
fsr-3528	39	14	provides	provide	VERB
fsr-3528	39	15	the	the	DET
fsr-3528	39	16	best	good	ADJ
fsr-3528	39	17	access	access	NOUN
fsr-3528	39	18	to	to	ADP
fsr-3528	39	19	individuals	individual	NOUN
fsr-3528	39	20	who	who	PRON
fsr-3528	39	21	participate	participate	VERB
fsr-3528	39	22	in	in	ADP
fsr-3528	39	23	the	the	DET
fsr-3528	39	24	modern	modern	ADJ
fsr-3528	39	25	investment	investment	NOUN
fsr-3528	39	26	landscape	landscape	NOUN
fsr-3528	39	27	.	.	PUNCT
fsr-3528	40	1	we	we	PRON
fsr-3528	40	2	survey	survey	VERB
fsr-3528	40	3	juniors	junior	NOUN
fsr-3528	40	4	and	and	CCONJ
fsr-3528	40	5	seniors	senior	NOUN
fsr-3528	40	6	who	who	PRON
fsr-3528	40	7	by	by	ADP
fsr-3528	40	8	the	the	DET
fsr-3528	40	9	end	end	NOUN
fsr-3528	40	10	of	of	ADP
fsr-3528	40	11	2021	2021	NUM
fsr-3528	40	12	have	have	AUX
fsr-3528	40	13	taken	take	VERB
fsr-3528	40	14	at	at	ADV
fsr-3528	40	15	least	least	ADV
fsr-3528	40	16	one	one	NUM
fsr-3528	40	17	finance	finance	NOUN
fsr-3528	40	18	course	course	NOUN
fsr-3528	40	19	.	.	PUNCT
fsr-3528	41	1	grable	grable	ADJ
fsr-3528	41	2	,	,	PUNCT
fsr-3528	41	3	heo	heo	PROPN
fsr-3528	41	4	,	,	PUNCT
fsr-3528	41	5	and	and	CCONJ
fsr-3528	41	6	kruger	kruger	PROPN
fsr-3528	41	7	(	(	PUNCT
fsr-3528	41	8	2016	2016	NUM
fsr-3528	41	9	)	)	PUNCT
fsr-3528	41	10	identify	identify	VERB
fsr-3528	41	11	factors	factor	NOUN
fsr-3528	41	12	that	that	PRON
fsr-3528	41	13	are	be	AUX
fsr-3528	41	14	associated	associate	VERB
fsr-3528	41	15	with	with	ADP
fsr-3528	41	16	financial	financial	ADJ
fsr-3528	41	17	risk	risk	NOUN
fsr-3528	41	18	tolerance	tolerance	NOUN
fsr-3528	41	19	and	and	CCONJ
fsr-3528	41	20	recommend	recommend	VERB
fsr-3528	41	21	financial	financial	ADJ
fsr-3528	41	22	planners	planner	NOUN
fsr-3528	41	23	gather	gather	VERB
fsr-3528	41	24	information	information	NOUN
fsr-3528	41	25	such	such	ADJ
fsr-3528	41	26	as	as	ADP
fsr-3528	41	27	gender	gender	NOUN
fsr-3528	41	28	,	,	PUNCT
fsr-3528	41	29	age	age	NOUN
fsr-3528	41	30	,	,	PUNCT
fsr-3528	41	31	education	education	NOUN
fsr-3528	41	32	,	,	PUNCT
fsr-3528	41	33	marital	marital	ADJ
fsr-3528	41	34	status	status	NOUN
fsr-3528	41	35	,	,	PUNCT
fsr-3528	41	36	household	household	NOUN
fsr-3528	41	37	income	income	NOUN
fsr-3528	41	38	,	,	PUNCT
fsr-3528	41	39	household	household	NOUN
fsr-3528	41	40	size	size	NOUN
fsr-3528	41	41	,	,	PUNCT
fsr-3528	41	42	and	and	CCONJ
fsr-3528	41	43	net	net	ADJ
fsr-3528	41	44	worth	worth	NOUN
fsr-3528	41	45	during	during	ADP
fsr-3528	41	46	the	the	DET
fsr-3528	41	47	planning	planning	NOUN
fsr-3528	41	48	process	process	NOUN
fsr-3528	41	49	.	.	PUNCT
fsr-3528	42	1	using	use	VERB
fsr-3528	42	2	the	the	DET
fsr-3528	42	3	same	same	ADJ
fsr-3528	42	4	variables	variable	NOUN
fsr-3528	42	5	,	,	PUNCT
fsr-3528	42	6	we	we	PRON
fsr-3528	42	7	conduct	conduct	VERB
fsr-3528	42	8	a	a	DET
fsr-3528	42	9	survey	survey	NOUN
fsr-3528	42	10	consisting	consist	VERB
fsr-3528	42	11	of	of	ADP
fsr-3528	42	12	questions	question	NOUN
fsr-3528	42	13	designed	design	VERB
fsr-3528	42	14	to	to	PART
fsr-3528	42	15	assess	assess	VERB
fsr-3528	42	16	the	the	DET
fsr-3528	42	17	following	follow	VERB
fsr-3528	42	18	independent	independent	ADJ
fsr-3528	42	19	variable	variable	ADJ
fsr-3528	42	20	categories	category	NOUN
fsr-3528	42	21	associated	associate	VERB
fsr-3528	42	22	with	with	ADP
fsr-3528	42	23	risk	risk	NOUN
fsr-3528	42	24	:	:	PUNCT
fsr-3528	42	25	(	(	PUNCT
fsr-3528	42	26	1	1	X
fsr-3528	42	27	)	)	PUNCT
fsr-3528	42	28	demographic	demographic	ADJ
fsr-3528	42	29	data	datum	NOUN
fsr-3528	42	30	,	,	PUNCT
fsr-3528	42	31	(	(	PUNCT
fsr-3528	42	32	2	2	X
fsr-3528	42	33	)	)	PUNCT
fsr-3528	42	34	investment	investment	NOUN
fsr-3528	42	35	knowledge	knowledge	NOUN
fsr-3528	42	36	/	/	SYM
fsr-3528	42	37	acumen	acuman	NOUN
fsr-3528	42	38	,	,	PUNCT
fsr-3528	42	39	both	both	PRON
fsr-3528	42	40	objective	objective	ADJ
fsr-3528	42	41	and	and	CCONJ
fsr-3528	42	42	subjective	subjective	ADJ
fsr-3528	42	43	,	,	PUNCT
fsr-3528	42	44	(	(	PUNCT
fsr-3528	42	45	3	3	X
fsr-3528	42	46	)	)	PUNCT
fsr-3528	42	47	interest	interest	NOUN
fsr-3528	42	48	and	and	CCONJ
fsr-3528	42	49	experience	experience	NOUN
fsr-3528	42	50	with	with	ADP
fsr-3528	42	51	investments	investment	NOUN
fsr-3528	42	52	,	,	PUNCT
fsr-3528	42	53	and	and	CCONJ
fsr-3528	42	54	(	(	PUNCT
fsr-3528	42	55	4	4	X
fsr-3528	42	56	)	)	PUNCT
fsr-3528	42	57	control	control	NOUN
fsr-3528	42	58	variables	variable	NOUN
fsr-3528	42	59	that	that	PRON
fsr-3528	42	60	have	have	AUX
fsr-3528	42	61	been	be	AUX
fsr-3528	42	62	shown	show	VERB
fsr-3528	42	63	to	to	PART
fsr-3528	42	64	be	be	AUX
fsr-3528	42	65	associated	associate	VERB
fsr-3528	42	66	with	with	ADP
fsr-3528	42	67	risk	risk	NOUN
fsr-3528	42	68	tolerance	tolerance	NOUN
fsr-3528	42	69	in	in	ADP
fsr-3528	42	70	prior	prior	ADJ
fsr-3528	42	71	research	research	NOUN
fsr-3528	42	72	.	.	PUNCT
fsr-3528	43	1	we	we	PRON
fsr-3528	43	2	measure	measure	VERB
fsr-3528	43	3	each	each	DET
fsr-3528	43	4	respondent	respondent	NOUN
fsr-3528	43	5	’s	’s	PART
fsr-3528	43	6	risk	risk	NOUN
fsr-3528	43	7	tolerance	tolerance	NOUN
fsr-3528	43	8	by	by	ADP
fsr-3528	43	9	asking	ask	VERB
fsr-3528	43	10	both	both	CCONJ
fsr-3528	43	11	hypothetical	hypothetical	ADJ
fsr-3528	43	12	risk	risk	NOUN
fsr-3528	43	13	assessment	assessment	NOUN
fsr-3528	43	14	questions	question	NOUN
fsr-3528	43	15	and	and	CCONJ
fsr-3528	43	16	current	current	ADJ
fsr-3528	43	17	situational	situational	ADJ
fsr-3528	43	18	questions	question	NOUN
fsr-3528	43	19	about	about	ADP
fsr-3528	43	20	the	the	DET
fsr-3528	43	21	ability	ability	NOUN
fsr-3528	43	22	to	to	PART
fsr-3528	43	23	undertake	undertake	VERB
fsr-3528	43	24	risk.8	risk.8	NOUN
fsr-3528	43	25	we	we	PRON
fsr-3528	43	26	collected	collect	VERB
fsr-3528	43	27	results	result	NOUN
fsr-3528	43	28	during	during	ADP
fsr-3528	43	29	the	the	DET
fsr-3528	43	30	first	first	ADJ
fsr-3528	43	31	two	two	NUM
fsr-3528	43	32	weeks	week	NOUN
fsr-3528	43	33	of	of	ADP
fsr-3528	43	34	december	december	PROPN
fsr-3528	43	35	2021	2021	NUM
fsr-3528	43	36	for	for	ADP
fsr-3528	43	37	262	262	NUM
fsr-3528	43	38	respondents	respondent	NOUN
fsr-3528	43	39	who	who	PRON
fsr-3528	43	40	were	be	AUX
fsr-3528	43	41	finishing	finish	VERB
fsr-3528	43	42	the	the	DET
fsr-3528	43	43	fall	fall	NOUN
fsr-3528	43	44	semester	semester	NOUN
fsr-3528	43	45	.	.	PUNCT
fsr-3528	44	1	we	we	PRON
fsr-3528	44	2	measure	measure	VERB
fsr-3528	44	3	risk	risk	NOUN
fsr-3528	44	4	tolerance	tolerance	NOUN
fsr-3528	44	5	across	across	ADP
fsr-3528	44	6	four	four	NUM
fsr-3528	44	7	categories/	categories/	NUM
fsr-3528	44	8	dimensions	dimension	NOUN
fsr-3528	44	9	and	and	CCONJ
fsr-3528	44	10	present	present	VERB
fsr-3528	44	11	the	the	DET
fsr-3528	44	12	results	result	NOUN
fsr-3528	44	13	in	in	ADP
fsr-3528	44	14	the	the	DET
fsr-3528	44	15	first	first	ADJ
fsr-3528	44	16	four	four	NUM
fsr-3528	44	17	rows	row	NOUN
fsr-3528	44	18	of	of	ADP
fsr-3528	44	19	table	table	NOUN
fsr-3528	44	20	1	1	NUM
fsr-3528	44	21	.	.	PUNCT
fsr-3528	45	1	all	all	DET
fsr-3528	45	2	four	four	NUM
fsr-3528	45	3	dependent	dependent	ADJ
fsr-3528	45	4	variables	variable	NOUN
fsr-3528	45	5	are	be	AUX
fsr-3528	45	6	measures	measure	NOUN
fsr-3528	45	7	of	of	ADP
fsr-3528	45	8	risk	risk	NOUN
fsr-3528	45	9	derived	derive	VERB
fsr-3528	45	10	from	from	ADP
fsr-3528	45	11	answers	answer	NOUN
fsr-3528	45	12	to	to	ADP
fsr-3528	45	13	a	a	DET
fsr-3528	45	14	specific	specific	ADJ
fsr-3528	45	15	survey	survey	NOUN
fsr-3528	45	16	question	question	NOUN
fsr-3528	45	17	.	.	PUNCT
fsr-3528	46	1	for	for	ADP
fsr-3528	46	2	example	example	NOUN
fsr-3528	46	3	,	,	PUNCT
fsr-3528	46	4	the	the	DET
fsr-3528	46	5	first	first	ADJ
fsr-3528	46	6	question	question	NOUN
fsr-3528	46	7	is	be	AUX
fsr-3528	46	8	“	"	PUNCT
fsr-3528	46	9	protecting	protect	VERB
fsr-3528	46	10	my	my	PRON
fsr-3528	46	11	money	money	NOUN
fsr-3528	46	12	is	be	AUX
fsr-3528	46	13	more	more	ADV
fsr-3528	46	14	important	important	ADJ
fsr-3528	46	15	than	than	ADP
fsr-3528	46	16	high	high	ADJ
fsr-3528	46	17	returns	return	NOUN
fsr-3528	46	18	.	.	PUNCT
fsr-3528	46	19	”	"	PUNCT
fsr-3528	47	1	the	the	DET
fsr-3528	47	2	answers	answer	NOUN
fsr-3528	47	3	range	range	VERB
fsr-3528	47	4	from	from	ADP
fsr-3528	47	5	1	1	NUM
fsr-3528	47	6	to	to	ADP
fsr-3528	47	7	5	5	NUM
fsr-3528	47	8	,	,	PUNCT
fsr-3528	47	9	depending	depend	VERB
fsr-3528	47	10	on	on	ADP
fsr-3528	47	11	the	the	DET
fsr-3528	47	12	degree	degree	NOUN
fsr-3528	47	13	of	of	ADP
fsr-3528	47	14	agreement	agreement	NOUN
fsr-3528	47	15	with	with	ADP
fsr-3528	47	16	the	the	DET
fsr-3528	47	17	statement	statement	NOUN
fsr-3528	47	18	.	.	PUNCT
fsr-3528	48	1	the	the	DET
fsr-3528	48	2	second	second	ADJ
fsr-3528	48	3	assessment	assessment	NOUN
fsr-3528	48	4	asks	ask	VERB
fsr-3528	48	5	the	the	DET
fsr-3528	48	6	respondents	respondent	NOUN
fsr-3528	48	7	to	to	PART
fsr-3528	48	8	invest	invest	VERB
fsr-3528	48	9	a	a	DET
fsr-3528	48	10	hypothetical	hypothetical	ADJ
fsr-3528	48	11	$	$	SYM
fsr-3528	48	12	1,000	1,000	NUM
fsr-3528	48	13	from	from	ADP
fsr-3528	48	14	a	a	DET
fsr-3528	48	15	relatively	relatively	ADV
fsr-3528	48	16	conservative	conservative	ADJ
fsr-3528	48	17	target	target	NOUN
fsr-3528	48	18	date	date	NOUN
fsr-3528	48	19	fund	fund	NOUN
fsr-3528	48	20	to	to	ADP
fsr-3528	48	21	a	a	DET
fsr-3528	48	22	portfolio	portfolio	NOUN
fsr-3528	48	23	of	of	ADP
fsr-3528	48	24	cryptocurrency	cryptocurrency	NOUN
fsr-3528	48	25	.	.	PUNCT
fsr-3528	49	1	the	the	DET
fsr-3528	49	2	third	third	ADJ
fsr-3528	49	3	question	question	NOUN
fsr-3528	49	4	assesses	assess	VERB
fsr-3528	49	5	what	what	PRON
fsr-3528	49	6	they	they	PRON
fsr-3528	49	7	would	would	AUX
fsr-3528	49	8	do	do	VERB
fsr-3528	49	9	in	in	ADP
fsr-3528	49	10	case	case	NOUN
fsr-3528	49	11	of	of	ADP
fsr-3528	49	12	a	a	DET
fsr-3528	49	13	sharp	sharp	ADJ
fsr-3528	49	14	stock	stock	NOUN
fsr-3528	49	15	market	market	NOUN
fsr-3528	49	16	decline	decline	NOUN
fsr-3528	49	17	,	,	PUNCT
fsr-3528	49	18	and	and	CCONJ
fsr-3528	49	19	finally	finally	ADV
fsr-3528	49	20	,	,	PUNCT
fsr-3528	49	21	the	the	DET
fsr-3528	49	22	last	last	ADJ
fsr-3528	49	23	measure	measure	NOUN
fsr-3528	49	24	is	be	AUX
fsr-3528	49	25	an	an	DET
fsr-3528	49	26	aggregate	aggregate	ADJ
fsr-3528	49	27	score	score	NOUN
fsr-3528	49	28	(	(	PUNCT
fsr-3528	49	29	aggriskscore	aggriskscore	NOUN
fsr-3528	49	30	)	)	PUNCT
fsr-3528	49	31	of	of	ADP
fsr-3528	49	32	the	the	DET
fsr-3528	49	33	first	first	ADJ
fsr-3528	49	34	three	three	NUM
fsr-3528	49	35	questions	question	NOUN
fsr-3528	49	36	.	.	PUNCT
fsr-3528	50	1	aggriskscore	aggriskscore	NOUN
fsr-3528	50	2	is	be	AUX
fsr-3528	50	3	our	our	PRON
fsr-3528	50	4	main	main	ADJ
fsr-3528	50	5	measure	measure	NOUN
fsr-3528	50	6	of	of	ADP
fsr-3528	50	7	risk	risk	NOUN
fsr-3528	50	8	assessment	assessment	NOUN
fsr-3528	50	9	.	.	PUNCT
fsr-3528	51	1	the	the	DET
fsr-3528	51	2	results	result	NOUN
fsr-3528	51	3	in	in	ADP
fsr-3528	51	4	table	table	NOUN
fsr-3528	51	5	1	1	NUM
fsr-3528	51	6	show	show	NOUN
fsr-3528	51	7	that	that	SCONJ
fsr-3528	51	8	aggregate	aggregate	ADJ
fsr-3528	51	9	risk	risk	NOUN
fsr-3528	51	10	ranges	range	VERB
fsr-3528	51	11	from	from	ADP
fsr-3528	51	12	3	3	NUM
fsr-3528	51	13	to	to	ADP
fsr-3528	51	14	13	13	NUM
fsr-3528	51	15	,	,	PUNCT
fsr-3528	51	16	with	with	ADP
fsr-3528	51	17	a	a	DET
fsr-3528	51	18	mean	mean	NOUN
fsr-3528	51	19	of	of	ADP
fsr-3528	51	20	7.9	7.9	NUM
fsr-3528	51	21	and	and	CCONJ
fsr-3528	51	22	a	a	DET
fsr-3528	51	23	standard	standard	ADJ
fsr-3528	51	24	deviation	deviation	NOUN
fsr-3528	51	25	of	of	ADP
fsr-3528	51	26	1.97	1.97	NUM
fsr-3528	51	27	.	.	PUNCT
fsr-3528	52	1	the	the	DET
fsr-3528	52	2	next	next	ADJ
fsr-3528	52	3	two	two	NUM
fsr-3528	52	4	panels	panel	NOUN
fsr-3528	52	5	of	of	ADP
fsr-3528	52	6	table	table	NOUN
fsr-3528	52	7	1	1	NUM
fsr-3528	52	8	summarize	summarize	VERB
fsr-3528	52	9	the	the	DET
fsr-3528	52	10	independent	independent	ADJ
fsr-3528	52	11	variables	variable	NOUN
fsr-3528	52	12	used	use	VERB
fsr-3528	52	13	.	.	PUNCT
fsr-3528	53	1	it	it	PRON
fsr-3528	53	2	is	be	AUX
fsr-3528	53	3	noteworthy	noteworthy	ADJ
fsr-3528	53	4	that	that	SCONJ
fsr-3528	53	5	about	about	ADP
fsr-3528	53	6	40	40	NUM
fsr-3528	53	7	of	of	ADP
fsr-3528	53	8	the	the	DET
fsr-3528	53	9	students	student	NOUN
fsr-3528	53	10	took	take	VERB
fsr-3528	53	11	another	another	DET
fsr-3528	53	12	finance	finance	NOUN
fsr-3528	53	13	course	course	NOUN
fsr-3528	53	14	beyond	beyond	ADP
fsr-3528	53	15	the	the	DET
fsr-3528	53	16	basic	basic	ADJ
fsr-3528	53	17	finance	finance	NOUN
fsr-3528	53	18	class	class	NOUN
fsr-3528	53	19	.	.	PUNCT
fsr-3528	54	1	respondents	respondent	NOUN
fsr-3528	54	2	are	be	AUX
fsr-3528	54	3	neither	neither	CCONJ
fsr-3528	54	4	overly	overly	ADV
fsr-3528	54	5	optimistic	optimistic	ADJ
fsr-3528	54	6	nor	nor	CCONJ
fsr-3528	54	7	pessimistic	pessimistic	ADJ
fsr-3528	54	8	in	in	ADP
fsr-3528	54	9	their	their	PRON
fsr-3528	54	10	assessment	assessment	NOUN
fsr-3528	54	11	of	of	ADP
fsr-3528	54	12	investment	investment	NOUN
fsr-3528	54	13	knowledge	knowledge	NOUN
fsr-3528	54	14	,	,	PUNCT
fsr-3528	54	15	with	with	ADP
fsr-3528	54	16	the	the	DET
fsr-3528	54	17	mean	mean	NOUN
fsr-3528	54	18	at	at	ADP
fsr-3528	54	19	4.97	4.97	NUM
fsr-3528	54	20	out	out	ADP
fsr-3528	54	21	of	of	ADP
fsr-3528	54	22	10	10	NUM
fsr-3528	54	23	.	.	PUNCT
fsr-3528	55	1	the	the	DET
fsr-3528	55	2	objective	objective	ADJ
fsr-3528	55	3	knowledge	knowledge	NOUN
fsr-3528	55	4	measures	measure	NOUN
fsr-3528	55	5	at	at	ADP
fsr-3528	55	6	3.04	3.04	NUM
fsr-3528	55	7	out	out	ADP
fsr-3528	55	8	of	of	ADP
fsr-3528	55	9	5	5	NUM
fsr-3528	55	10	.	.	PUNCT
fsr-3528	55	11	interest	interest	NOUN
fsr-3528	55	12	in	in	ADP
fsr-3528	55	13	investments	investment	NOUN
fsr-3528	55	14	averages	average	VERB
fsr-3528	55	15	2.58	2.58	NUM
fsr-3528	55	16	out	out	ADP
fsr-3528	55	17	of	of	ADP
fsr-3528	55	18	3	3	NUM
fsr-3528	55	19	,	,	PUNCT
fsr-3528	55	20	which	which	PRON
fsr-3528	55	21	shows	show	VERB
fsr-3528	55	22	that	that	SCONJ
fsr-3528	55	23	this	this	DET
fsr-3528	55	24	group	group	NOUN
fsr-3528	55	25	of	of	ADP
fsr-3528	55	26	students	student	NOUN
fsr-3528	55	27	has	have	VERB
fsr-3528	55	28	considerable	considerable	ADJ
fsr-3528	55	29	interest	interest	NOUN
fsr-3528	55	30	in	in	ADP
fsr-3528	55	31	investments	investment	NOUN
fsr-3528	55	32	.	.	PUNCT
fsr-3528	56	1	about	about	ADV
fsr-3528	56	2	47	47	NUM
fsr-3528	56	3	%	%	NOUN
fsr-3528	56	4	of	of	ADP
fsr-3528	56	5	respondents	respondent	NOUN
fsr-3528	56	6	own	own	VERB
fsr-3528	56	7	stock	stock	NOUN
fsr-3528	56	8	investments	investment	NOUN
fsr-3528	56	9	k.	k.	PROPN
fsr-3528	56	10	l.	l.	PROPN
fsr-3528	56	11	beck	beck	PROPN
fsr-3528	56	12	et	et	PROPN
fsr-3528	56	13	al	al	PROPN
fsr-3528	56	14	.	.	PUNCT
fsr-3528	56	15	/	/	SYM
fsr-3528	56	16	financial	financial	ADJ
fsr-3528	56	17	services	service	NOUN
fsr-3528	56	18	review	review	VERB
fsr-3528	56	19	31	31	NUM
fsr-3528	56	20	(	(	PUNCT
fsr-3528	56	21	2023	2023	NUM
fsr-3528	56	22	)	)	PUNCT
fsr-3528	57	1	97–106	97–106	PRON
fsr-3528	57	2	99	99	NUM
fsr-3528	57	3	like	like	ADP
fsr-3528	57	4	mutual	mutual	ADJ
fsr-3528	57	5	funds	fund	NOUN
fsr-3528	57	6	,	,	PUNCT
fsr-3528	57	7	etfs	etfs	NOUN
fsr-3528	57	8	,	,	PUNCT
fsr-3528	57	9	or	or	CCONJ
fsr-3528	57	10	individual	individual	ADJ
fsr-3528	57	11	stocks	stock	NOUN
fsr-3528	57	12	.	.	PUNCT
fsr-3528	58	1	we	we	PRON
fsr-3528	58	2	also	also	ADV
fsr-3528	58	3	measured	measure	VERB
fsr-3528	58	4	the	the	DET
fsr-3528	58	5	self	self	NOUN
fsr-3528	58	6	-	-	PUNCT
fsr-3528	58	7	reported	report	VERB
fsr-3528	58	8	risk	risk	NOUN
fsr-3528	58	9	attitude	attitude	NOUN
fsr-3528	58	10	from	from	ADP
fsr-3528	58	11	1	1	NUM
fsr-3528	58	12	(	(	PUNCT
fsr-3528	58	13	very	very	ADV
fsr-3528	58	14	conservative	conservative	ADJ
fsr-3528	58	15	/	/	PUNCT
fsr-3528	58	16	do	do	AUX
fsr-3528	58	17	not	not	PART
fsr-3528	58	18	know	know	VERB
fsr-3528	58	19	)	)	PUNCT
fsr-3528	58	20	to	to	ADP
fsr-3528	58	21	5	5	NUM
fsr-3528	58	22	(	(	PUNCT
fsr-3528	58	23	aggressive	aggressive	ADJ
fsr-3528	58	24	)	)	PUNCT
fsr-3528	58	25	;	;	PUNCT
fsr-3528	58	26	the	the	DET
fsr-3528	58	27	average	average	NOUN
fsr-3528	58	28	is	be	AUX
fsr-3528	58	29	2.7	2.7	NUM
fsr-3528	58	30	.	.	PUNCT
fsr-3528	59	1	along	along	ADP
fsr-3528	59	2	with	with	ADP
fsr-3528	59	3	demographic	demographic	ADJ
fsr-3528	59	4	variables	variable	NOUN
fsr-3528	59	5	,	,	PUNCT
fsr-3528	59	6	the	the	DET
fsr-3528	59	7	respondents	respondent	NOUN
fsr-3528	59	8	have	have	VERB
fsr-3528	59	9	a	a	DET
fsr-3528	59	10	higher	high	ADJ
fsr-3528	59	11	gpa	gpa	NOUN
fsr-3528	59	12	than	than	ADP
fsr-3528	59	13	the	the	DET
fsr-3528	59	14	average	average	ADJ
fsr-3528	59	15	student	student	NOUN
fsr-3528	59	16	,	,	PUNCT
fsr-3528	59	17	are	be	AUX
fsr-3528	59	18	roughly	roughly	ADV
fsr-3528	59	19	even	even	ADV
fsr-3528	59	20	gender	gender	NOUN
fsr-3528	59	21	-	-	PUNCT
fsr-3528	59	22	wise	wise	ADJ
fsr-3528	59	23	,	,	PUNCT
fsr-3528	59	24	have	have	VERB
fsr-3528	59	25	a	a	DET
fsr-3528	59	26	range	range	NOUN
fsr-3528	59	27	of	of	ADP
fsr-3528	59	28	investment	investment	NOUN
fsr-3528	59	29	accounts	account	NOUN
fsr-3528	59	30	already	already	ADV
fsr-3528	59	31	,	,	PUNCT
fsr-3528	59	32	and	and	CCONJ
fsr-3528	59	33	about	about	ADV
fsr-3528	59	34	75	75	NUM
fsr-3528	59	35	%	%	NOUN
fsr-3528	59	36	have	have	VERB
fsr-3528	59	37	some	some	DET
fsr-3528	59	38	savings	saving	NOUN
fsr-3528	59	39	and	and	CCONJ
fsr-3528	59	40	some	some	DET
fsr-3528	59	41	debt.9	debt.9	ADJ
fsr-3528	59	42	table	table	NOUN
fsr-3528	59	43	1	1	NUM
fsr-3528	59	44	descriptive	descriptive	ADJ
fsr-3528	59	45	statistics	statistic	NOUN
fsr-3528	59	46	for	for	ADP
fsr-3528	59	47	the	the	DET
fsr-3528	59	48	sample	sample	NOUN
fsr-3528	59	49	variable	variable	NOUN
fsr-3528	59	50	mean	mean	NOUN
fsr-3528	59	51	sd	sd	ADP
fsr-3528	59	52	min	min	PROPN
fsr-3528	59	53	max	max	PROPN
fsr-3528	59	54	n	n	PROPN
fsr-3528	59	55	protectmoneycat	protectmoneycat	VERB
fsr-3528	59	56	2.4847	2.4847	NUM
fsr-3528	59	57	0.9697	0.9697	NUM
fsr-3528	59	58	1	1	NUM
fsr-3528	59	59	5	5	NUM
fsr-3528	59	60	262	262	NUM
fsr-3528	59	61	1kinvestcat	1kinvestcat	NUM
fsr-3528	59	62	2.3587	2.3587	NUM
fsr-3528	59	63	1.0654	1.0654	NUM
fsr-3528	59	64	1	1	NUM
fsr-3528	59	65	4	4	NUM
fsr-3528	59	66	262	262	NUM
fsr-3528	59	67	stockmarketdowncat	stockmarketdowncat	ADJ
fsr-3528	59	68	3.0801	3.0801	NUM
fsr-3528	59	69	0.8516	0.8516	NUM
fsr-3528	59	70	1	1	NUM
fsr-3528	59	71	4	4	NUM
fsr-3528	59	72	262	262	NUM
fsr-3528	59	73	aggriskscore	aggriskscore	NOUN
fsr-3528	59	74	7.9236	7.9236	NUM
fsr-3528	59	75	1.9695	1.9695	NUM
fsr-3528	59	76	3	3	NUM
fsr-3528	59	77	13	13	NUM
fsr-3528	59	78	262	262	NUM
fsr-3528	59	79	advancedclasscat	advancedclasscat	NOUN
fsr-3528	59	80	0.4083	0.4083	NUM
fsr-3528	59	81	0.49247	0.49247	NUM
fsr-3528	59	82	0	0	NUM
fsr-3528	59	83	1	1	NUM
fsr-3528	59	84	262	262	NUM
fsr-3528	59	85	self	self	NOUN
fsr-3528	59	86	-	-	PUNCT
fsr-3528	59	87	knowldcati	knowldcati	NOUN
fsr-3528	59	88	2.8549	2.8549	NUM
fsr-3528	59	89	0.8034	0.8034	NUM
fsr-3528	59	90	1	1	NUM
fsr-3528	59	91	5	5	NUM
fsr-3528	59	92	262	262	NUM
fsr-3528	59	93	selfratedknowledgeinvestments2	selfratedknowledgeinvestments2	NOUN
fsr-3528	59	94	4.973	4.973	NUM
fsr-3528	59	95	2.0799	2.0799	NUM
fsr-3528	59	96	0	0	NUM
fsr-3528	59	97	10	10	NUM
fsr-3528	59	98	261	261	NUM
fsr-3528	59	99	knowledgescore	knowledgescore	VERB
fsr-3528	59	100	3.0419	3.0419	NUM
fsr-3528	59	101	1.4836	1.4836	NUM
fsr-3528	59	102	0	0	NUM
fsr-3528	59	103	5	5	NUM
fsr-3528	59	104	262	262	NUM
fsr-3528	59	105	interestedinvcat	interestedinvcat	NOUN
fsr-3528	59	106	2.5839	2.5839	NUM
fsr-3528	59	107	0.5593	0.5593	NUM
fsr-3528	59	108	1	1	NUM
fsr-3528	59	109	3	3	NUM
fsr-3528	59	110	262	262	NUM
fsr-3528	59	111	ownetfsmutualcat	ownetfsmutualcat	NOUN
fsr-3528	59	112	0.4656	0.4656	NUM
fsr-3528	59	113	0.4997	0.4997	NUM
fsr-3528	59	114	0	0	NUM
fsr-3528	59	115	1	1	NUM
fsr-3528	59	116	262	262	NUM
fsr-3528	59	117	invattcat	invattcat	NOUN
fsr-3528	59	118	2.7022	2.7022	NUM
fsr-3528	59	119	1.0735	1.0735	NUM
fsr-3528	59	120	1	1	NUM
fsr-3528	59	121	5	5	NUM
fsr-3528	59	122	262	262	NUM
fsr-3528	59	123	gpacategory	gpacategory	NOUN
fsr-3528	59	124	3.5725	3.5725	NUM
fsr-3528	59	125	0.9099	0.9099	NUM
fsr-3528	59	126	1	1	NUM
fsr-3528	59	127	5	5	NUM
fsr-3528	59	128	262	262	NUM
fsr-3528	59	129	gendercat	gendercat	NOUN
fsr-3528	59	130	0.5190	0.5190	NUM
fsr-3528	59	131	0.5005	0.5005	NUM
fsr-3528	59	132	0	0	NUM
fsr-3528	59	133	1	1	NUM
fsr-3528	59	134	262	262	NUM
fsr-3528	59	135	agecat	agecat	NOUN
fsr-3528	59	136	1.4541	1.4541	NUM
fsr-3528	59	137	0.70289	0.70289	NUM
fsr-3528	59	138	1	1	NUM
fsr-3528	59	139	4	4	NUM
fsr-3528	59	140	262	262	NUM
fsr-3528	59	141	hhincomecat	hhincomecat	NOUN
fsr-3528	59	142	2.6436	2.6436	NUM
fsr-3528	59	143	1.5760	1.5760	NUM
fsr-3528	59	144	1	1	NUM
fsr-3528	59	145	6	6	NUM
fsr-3528	59	146	261	261	NUM
fsr-3528	59	147	debtcat	debtcat	NOUN
fsr-3528	59	148	2.3282	2.3282	NUM
fsr-3528	59	149	1.4030	1.4030	NUM
fsr-3528	59	150	1	1	NUM
fsr-3528	59	151	6	6	NUM
fsr-3528	59	152	262	262	NUM
fsr-3528	59	153	savingscat	savingscat	NOUN
fsr-3528	59	154	0.7786	0.7786	NUM
fsr-3528	59	155	0.4159	0.4159	NUM
fsr-3528	59	156	0	0	NUM
fsr-3528	59	157	1	1	NUM
fsr-3528	59	158	262	262	NUM
fsr-3528	59	159	accountsheldcat	accountsheldcat	NOUN
fsr-3528	59	160	1.8320	1.8320	NUM
fsr-3528	59	161	1.6077	1.6077	NUM
fsr-3528	59	162	0	0	NUM
fsr-3528	59	163	4	4	NUM
fsr-3528	59	164	262	262	NUM
fsr-3528	59	165	note	note	NOUN
fsr-3528	59	166	.	.	PUNCT
fsr-3528	60	1	the	the	DET
fsr-3528	60	2	first	first	ADJ
fsr-3528	60	3	four	four	NUM
fsr-3528	60	4	rows	row	NOUN
fsr-3528	60	5	represent	represent	VERB
fsr-3528	60	6	dependent	dependent	ADJ
fsr-3528	60	7	variables	variable	NOUN
fsr-3528	60	8	,	,	PUNCT
fsr-3528	60	9	and	and	CCONJ
fsr-3528	60	10	the	the	DET
fsr-3528	60	11	rest	rest	NOUN
fsr-3528	60	12	indicate	indicate	VERB
fsr-3528	60	13	independent	independent	ADJ
fsr-3528	60	14	variables	variable	NOUN
fsr-3528	60	15	.	.	PUNCT
fsr-3528	61	1	protectmoneycat	protectmoneycat	PROPN
fsr-3528	61	2	ranges	range	VERB
fsr-3528	61	3	from	from	ADP
fsr-3528	61	4	1	1	NUM
fsr-3528	61	5	to	to	ADP
fsr-3528	61	6	5	5	NUM
fsr-3528	61	7	,	,	PUNCT
fsr-3528	61	8	where	where	SCONJ
fsr-3528	61	9	1	1	NUM
fsr-3528	61	10	is	be	AUX
fsr-3528	61	11	strongly	strongly	ADV
fsr-3528	61	12	agree	agree	ADJ
fsr-3528	61	13	and	and	CCONJ
fsr-3528	61	14	5	5	NUM
fsr-3528	61	15	is	be	AUX
fsr-3528	61	16	strongly	strongly	ADV
fsr-3528	61	17	disagree	disagree	VERB
fsr-3528	61	18	with	with	ADP
fsr-3528	61	19	the	the	DET
fsr-3528	61	20	statement	statement	NOUN
fsr-3528	61	21	“	"	PUNCT
fsr-3528	61	22	protecting	protect	VERB
fsr-3528	61	23	my	my	PRON
fsr-3528	61	24	money	money	NOUN
fsr-3528	61	25	is	be	AUX
fsr-3528	61	26	more	more	ADV
fsr-3528	61	27	important	important	ADJ
fsr-3528	61	28	than	than	ADP
fsr-3528	61	29	high	high	ADJ
fsr-3528	61	30	returns	return	NOUN
fsr-3528	61	31	.	.	PUNCT
fsr-3528	61	32	”	"	PUNCT
fsr-3528	62	1	1kinvestcat	1kinvestcat	NUM
fsr-3528	62	2	ranges	range	VERB
fsr-3528	62	3	from	from	ADP
fsr-3528	62	4	1	1	NUM
fsr-3528	62	5	to	to	ADP
fsr-3528	62	6	4	4	NUM
fsr-3528	62	7	,	,	PUNCT
fsr-3528	62	8	where	where	SCONJ
fsr-3528	62	9	a	a	DET
fsr-3528	62	10	respondent	respondent	NOUN
fsr-3528	62	11	chooses	choose	VERB
fsr-3528	62	12	how	how	SCONJ
fsr-3528	62	13	to	to	PART
fsr-3528	62	14	invest	invest	VERB
fsr-3528	62	15	$	$	SYM
fsr-3528	62	16	1,000	1,000	NUM
fsr-3528	62	17	from	from	ADP
fsr-3528	62	18	1	1	NUM
fsr-3528	62	19	,	,	PUNCT
fsr-3528	62	20	most	most	ADV
fsr-3528	62	21	conservative	conservative	ADJ
fsr-3528	62	22	in	in	ADP
fsr-3528	62	23	a	a	DET
fsr-3528	62	24	target	target	NOUN
fsr-3528	62	25	date	date	NOUN
fsr-3528	62	26	fund	fund	NOUN
fsr-3528	62	27	,	,	PUNCT
fsr-3528	62	28	to	to	ADP
fsr-3528	62	29	4	4	NUM
fsr-3528	62	30	,	,	PUNCT
fsr-3528	62	31	most	most	ADV
fsr-3528	62	32	aggressive	aggressive	ADJ
fsr-3528	62	33	in	in	ADP
fsr-3528	62	34	cryptocurrency	cryptocurrency	NOUN
fsr-3528	62	35	.	.	PUNCT
fsr-3528	63	1	stockmarketdowncat	stockmarketdowncat	PROPN
fsr-3528	63	2	ranges	range	VERB
fsr-3528	63	3	from	from	ADP
fsr-3528	63	4	1	1	NUM
fsr-3528	63	5	to	to	ADP
fsr-3528	63	6	4	4	NUM
fsr-3528	63	7	,	,	PUNCT
fsr-3528	63	8	where	where	SCONJ
fsr-3528	63	9	1	1	NUM
fsr-3528	63	10	is	be	AUX
fsr-3528	63	11	equal	equal	ADJ
fsr-3528	63	12	to	to	ADP
fsr-3528	63	13	selling	sell	VERB
fsr-3528	63	14	all	all	DET
fsr-3528	63	15	investments	investment	NOUN
fsr-3528	63	16	immediately	immediately	ADV
fsr-3528	63	17	in	in	ADP
fsr-3528	63	18	response	response	NOUN
fsr-3528	63	19	to	to	ADP
fsr-3528	63	20	a	a	DET
fsr-3528	63	21	sharp	sharp	ADJ
fsr-3528	63	22	market	market	NOUN
fsr-3528	63	23	decline	decline	NOUN
fsr-3528	63	24	,	,	PUNCT
fsr-3528	63	25	and	and	CCONJ
fsr-3528	63	26	4	4	NUM
fsr-3528	63	27	to	to	PART
fsr-3528	63	28	immediately	immediately	ADV
fsr-3528	63	29	buying	buy	VERB
fsr-3528	63	30	more	more	ADJ
fsr-3528	63	31	.	.	PUNCT
fsr-3528	64	1	aggriskscore	aggriskscore	PROPN
fsr-3528	64	2	is	be	AUX
fsr-3528	64	3	the	the	DET
fsr-3528	64	4	sum	sum	NOUN
fsr-3528	64	5	of	of	ADP
fsr-3528	64	6	the	the	DET
fsr-3528	64	7	previous	previous	ADJ
fsr-3528	64	8	three	three	NUM
fsr-3528	64	9	variables	variable	NOUN
fsr-3528	64	10	,	,	PUNCT
fsr-3528	64	11	and	and	CCONJ
fsr-3528	64	12	ranges	range	VERB
fsr-3528	64	13	from	from	ADP
fsr-3528	64	14	3	3	NUM
fsr-3528	64	15	to	to	ADP
fsr-3528	64	16	13	13	NUM
fsr-3528	64	17	.	.	PUNCT
fsr-3528	65	1	advancedclasscat	advancedclasscat	PROPN
fsr-3528	65	2	is	be	AUX
fsr-3528	65	3	equal	equal	ADJ
fsr-3528	65	4	to	to	ADP
fsr-3528	65	5	1	1	NUM
fsr-3528	65	6	if	if	SCONJ
fsr-3528	65	7	the	the	DET
fsr-3528	65	8	respondent	respondent	NOUN
fsr-3528	65	9	completed	complete	VERB
fsr-3528	65	10	an	an	DET
fsr-3528	65	11	advanced	advanced	ADJ
fsr-3528	65	12	finance	finance	NOUN
fsr-3528	65	13	class	class	NOUN
fsr-3528	65	14	and	and	CCONJ
fsr-3528	65	15	0	0	NUM
fsr-3528	65	16	,	,	PUNCT
fsr-3528	65	17	otherwise	otherwise	ADV
fsr-3528	65	18	.	.	PUNCT
fsr-3528	66	1	self	self	NOUN
fsr-3528	66	2	-	-	PUNCT
fsr-3528	66	3	knowldcati	knowldcati	PROPN
fsr-3528	66	4	represents	represent	VERB
fsr-3528	66	5	self	self	NOUN
fsr-3528	66	6	-	-	PUNCT
fsr-3528	66	7	reported	report	VERB
fsr-3528	66	8	perception	perception	NOUN
fsr-3528	66	9	of	of	ADP
fsr-3528	66	10	investment	investment	NOUN
fsr-3528	66	11	knowledge	knowledge	NOUN
fsr-3528	66	12	,	,	PUNCT
fsr-3528	66	13	ranging	range	VERB
fsr-3528	66	14	from	from	ADP
fsr-3528	66	15	1	1	NUM
fsr-3528	66	16	to	to	ADP
fsr-3528	66	17	5	5	NUM
fsr-3528	66	18	,	,	PUNCT
fsr-3528	66	19	where	where	SCONJ
fsr-3528	66	20	1	1	NUM
fsr-3528	66	21	is	be	AUX
fsr-3528	66	22	poor	poor	ADJ
fsr-3528	66	23	and	and	CCONJ
fsr-3528	66	24	5	5	NUM
fsr-3528	66	25	is	be	AUX
fsr-3528	66	26	expert	expert	NOUN
fsr-3528	66	27	.	.	PUNCT
fsr-3528	67	1	selfratedknowledgeinvestments2	selfratedknowledgeinvestments2	PROPN
fsr-3528	67	2	is	be	AUX
fsr-3528	67	3	a	a	DET
fsr-3528	67	4	wider	wide	ADJ
fsr-3528	67	5	measurement	measurement	NOUN
fsr-3528	67	6	of	of	ADP
fsr-3528	67	7	self	self	NOUN
fsr-3528	67	8	-	-	PUNCT
fsr-3528	67	9	reported	report	VERB
fsr-3528	67	10	investment	investment	NOUN
fsr-3528	67	11	knowledge	knowledge	NOUN
fsr-3528	67	12	,	,	PUNCT
fsr-3528	67	13	ranging	range	VERB
fsr-3528	67	14	from	from	ADP
fsr-3528	67	15	0	0	NUM
fsr-3528	67	16	to	to	ADP
fsr-3528	67	17	10	10	NUM
fsr-3528	67	18	where	where	SCONJ
fsr-3528	67	19	0	0	NUM
fsr-3528	67	20	is	be	AUX
fsr-3528	67	21	not	not	PART
fsr-3528	67	22	knowledgeable	knowledgeable	ADJ
fsr-3528	67	23	at	at	ADV
fsr-3528	67	24	all	all	ADV
fsr-3528	67	25	and	and	CCONJ
fsr-3528	67	26	10	10	NUM
fsr-3528	67	27	is	be	AUX
fsr-3528	67	28	an	an	DET
fsr-3528	67	29	expert	expert	NOUN
fsr-3528	67	30	.	.	PUNCT
fsr-3528	68	1	knowledgescore	knowledgescore	NOUN
fsr-3528	68	2	is	be	AUX
fsr-3528	68	3	an	an	DET
fsr-3528	68	4	aggregate	aggregate	ADJ
fsr-3528	68	5	objective	objective	ADJ
fsr-3528	68	6	investment	investment	NOUN
fsr-3528	68	7	score	score	NOUN
fsr-3528	68	8	ranging	range	VERB
fsr-3528	68	9	from	from	ADP
fsr-3528	68	10	0	0	NUM
fsr-3528	68	11	to	to	ADP
fsr-3528	68	12	5	5	NUM
fsr-3528	68	13	on	on	ADP
fsr-3528	68	14	five	five	NUM
fsr-3528	68	15	investment	investment	NOUN
fsr-3528	68	16	-	-	PUNCT
fsr-3528	68	17	related	relate	VERB
fsr-3528	68	18	questions	question	NOUN
fsr-3528	68	19	.	.	PUNCT
fsr-3528	69	1	interestedinvcat	interestedinvcat	PROPN
fsr-3528	69	2	represents	represent	VERB
fsr-3528	69	3	self	self	NOUN
fsr-3528	69	4	-	-	PUNCT
fsr-3528	69	5	reported	report	VERB
fsr-3528	69	6	interest	interest	NOUN
fsr-3528	69	7	in	in	ADP
fsr-3528	69	8	investing	investing	NOUN
fsr-3528	69	9	,	,	PUNCT
fsr-3528	69	10	ranging	range	VERB
fsr-3528	69	11	from	from	ADP
fsr-3528	69	12	1	1	NUM
fsr-3528	69	13	to	to	ADP
fsr-3528	69	14	3	3	NUM
fsr-3528	69	15	,	,	PUNCT
fsr-3528	69	16	where	where	SCONJ
fsr-3528	69	17	1	1	NUM
fsr-3528	69	18	is	be	AUX
fsr-3528	69	19	not	not	PART
fsr-3528	69	20	interested	interested	ADJ
fsr-3528	69	21	and	and	CCONJ
fsr-3528	69	22	3	3	NUM
fsr-3528	69	23	is	be	AUX
fsr-3528	69	24	very	very	ADV
fsr-3528	69	25	interested	interested	ADJ
fsr-3528	69	26	.	.	PUNCT
fsr-3528	70	1	ownetfsmutualcat	ownetfsmutualcat	NOUN
fsr-3528	70	2	is	be	AUX
fsr-3528	70	3	equal	equal	ADJ
fsr-3528	70	4	to	to	ADP
fsr-3528	70	5	1	1	NUM
fsr-3528	70	6	if	if	SCONJ
fsr-3528	70	7	the	the	DET
fsr-3528	70	8	respondent	respondent	NOUN
fsr-3528	70	9	owns	own	VERB
fsr-3528	70	10	any	any	DET
fsr-3528	70	11	stock	stock	NOUN
fsr-3528	70	12	,	,	PUNCT
fsr-3528	70	13	etfs	etfs	NOUN
fsr-3528	70	14	or	or	CCONJ
fsr-3528	70	15	mutual	mutual	ADJ
fsr-3528	70	16	funds	fund	NOUN
fsr-3528	70	17	and	and	CCONJ
fsr-3528	70	18	0	0	NUM
fsr-3528	70	19	,	,	PUNCT
fsr-3528	70	20	otherwise	otherwise	ADV
fsr-3528	70	21	.	.	PUNCT
fsr-3528	71	1	invattcat	invattcat	NOUN
fsr-3528	71	2	is	be	AUX
fsr-3528	71	3	a	a	DET
fsr-3528	71	4	self	self	NOUN
fsr-3528	71	5	-	-	PUNCT
fsr-3528	71	6	reported	report	VERB
fsr-3528	71	7	measure	measure	NOUN
fsr-3528	71	8	of	of	ADP
fsr-3528	71	9	attitude	attitude	NOUN
fsr-3528	71	10	in	in	ADP
fsr-3528	71	11	investments	investment	NOUN
fsr-3528	71	12	,	,	PUNCT
fsr-3528	71	13	ranging	range	VERB
fsr-3528	71	14	from	from	ADP
fsr-3528	71	15	1	1	NUM
fsr-3528	71	16	to	to	ADP
fsr-3528	71	17	5	5	NUM
fsr-3528	71	18	,	,	PUNCT
fsr-3528	71	19	where	where	SCONJ
fsr-3528	71	20	1	1	NUM
fsr-3528	71	21	is	be	AUX
fsr-3528	71	22	very	very	ADV
fsr-3528	71	23	conservative	conservative	ADJ
fsr-3528	71	24	/	/	PUNCT
fsr-3528	71	25	do	do	AUX
fsr-3528	71	26	not	not	PART
fsr-3528	71	27	know	know	VERB
fsr-3528	71	28	to	to	ADP
fsr-3528	71	29	5	5	NUM
fsr-3528	71	30	,	,	PUNCT
fsr-3528	71	31	very	very	ADV
fsr-3528	71	32	aggressive	aggressive	ADJ
fsr-3528	71	33	.	.	PUNCT
fsr-3528	72	1	gpacategory	gpacategory	NOUN
fsr-3528	72	2	ranges	range	VERB
fsr-3528	72	3	from	from	ADP
fsr-3528	72	4	1	1	NUM
fsr-3528	72	5	to	to	ADP
fsr-3528	72	6	5	5	NUM
fsr-3528	72	7	,	,	PUNCT
fsr-3528	72	8	where	where	SCONJ
fsr-3528	72	9	1	1	NUM
fsr-3528	72	10	is	be	AUX
fsr-3528	72	11	a	a	DET
fsr-3528	72	12	gpa	gpa	PROPN
fsr-3528	72	13	of	of	ADP
fsr-3528	72	14	2.0	2.0	NUM
fsr-3528	72	15	and	and	CCONJ
fsr-3528	72	16	5	5	NUM
fsr-3528	72	17	represents	represent	VERB
fsr-3528	72	18	a	a	DET
fsr-3528	72	19	gpa	gpa	PROPN
fsr-3528	72	20	of	of	ADP
fsr-3528	72	21	4.5	4.5	NUM
fsr-3528	72	22	.	.	PUNCT
fsr-3528	73	1	gendercat	gendercat	PROPN
fsr-3528	73	2	equals	equal	VERB
fsr-3528	73	3	1	1	NUM
fsr-3528	73	4	if	if	SCONJ
fsr-3528	73	5	the	the	DET
fsr-3528	73	6	respondent	respondent	NOUN
fsr-3528	73	7	identifies	identify	VERB
fsr-3528	73	8	as	as	ADP
fsr-3528	73	9	a	a	DET
fsr-3528	73	10	female	female	ADJ
fsr-3528	73	11	and	and	CCONJ
fsr-3528	73	12	0	0	NUM
fsr-3528	73	13	,	,	PUNCT
fsr-3528	73	14	otherwise	otherwise	ADV
fsr-3528	73	15	.	.	PUNCT
fsr-3528	74	1	agecat	agecat	NOUN
fsr-3528	74	2	ranges	range	VERB
fsr-3528	74	3	from	from	ADP
fsr-3528	74	4	1	1	NUM
fsr-3528	74	5	to	to	ADP
fsr-3528	74	6	4	4	NUM
fsr-3528	74	7	,	,	PUNCT
fsr-3528	74	8	with	with	ADP
fsr-3528	74	9	1	1	NUM
fsr-3528	74	10	representing	represent	VERB
fsr-3528	74	11	younger	young	ADJ
fsr-3528	74	12	respondents	respondent	NOUN
fsr-3528	74	13	.	.	PUNCT
fsr-3528	75	1	hhincomecat	hhincomecat	NOUN
fsr-3528	75	2	ranges	range	VERB
fsr-3528	75	3	from	from	ADP
fsr-3528	75	4	1	1	NUM
fsr-3528	75	5	to	to	ADP
fsr-3528	75	6	6	6	NUM
fsr-3528	75	7	,	,	PUNCT
fsr-3528	75	8	based	base	VERB
fsr-3528	75	9	on	on	ADP
fsr-3528	75	10	the	the	DET
fsr-3528	75	11	combined	combined	ADJ
fsr-3528	75	12	income	income	NOUN
fsr-3528	75	13	of	of	ADP
fsr-3528	75	14	the	the	DET
fsr-3528	75	15	family	family	NOUN
fsr-3528	75	16	,	,	PUNCT
fsr-3528	75	17	from	from	ADP
fsr-3528	75	18	lowest	low	ADJ
fsr-3528	75	19	to	to	ADP
fsr-3528	75	20	highest	high	ADJ
fsr-3528	75	21	.	.	PUNCT
fsr-3528	76	1	debtcat	debtcat	NOUN
fsr-3528	76	2	represents	represent	VERB
fsr-3528	76	3	debt	debt	NOUN
fsr-3528	76	4	held	hold	VERB
fsr-3528	76	5	,	,	PUNCT
fsr-3528	76	6	from	from	ADP
fsr-3528	76	7	0	0	NUM
fsr-3528	76	8	for	for	ADP
fsr-3528	76	9	category	category	NOUN
fsr-3528	76	10	1	1	NUM
fsr-3528	76	11	to	to	ADP
fsr-3528	76	12	more	more	ADJ
fsr-3528	76	13	than	than	ADP
fsr-3528	76	14	$	$	SYM
fsr-3528	76	15	50,000	50,000	NUM
fsr-3528	76	16	for	for	ADP
fsr-3528	76	17	category	category	NOUN
fsr-3528	76	18	6	6	NUM
fsr-3528	76	19	.	.	PUNCT
fsr-3528	77	1	savingscat	savingscat	PROPN
fsr-3528	77	2	represents	represent	VERB
fsr-3528	77	3	individual	individual	ADJ
fsr-3528	77	4	savings	saving	NOUN
fsr-3528	77	5	,	,	PUNCT
fsr-3528	77	6	where	where	SCONJ
fsr-3528	77	7	1	1	NUM
fsr-3528	77	8	represents	represent	VERB
fsr-3528	77	9	existing	exist	VERB
fsr-3528	77	10	savings	saving	NOUN
fsr-3528	77	11	designated	designate	VERB
fsr-3528	77	12	for	for	ADP
fsr-3528	77	13	emergencies	emergency	NOUN
fsr-3528	77	14	and	and	CCONJ
fsr-3528	77	15	0	0	NUM
fsr-3528	77	16	,	,	PUNCT
fsr-3528	77	17	otherwise	otherwise	ADV
fsr-3528	77	18	.	.	PUNCT
fsr-3528	78	1	accountsheldcat	accountsheldcat	NOUN
fsr-3528	78	2	represents	represent	VERB
fsr-3528	78	3	the	the	DET
fsr-3528	78	4	complexity	complexity	NOUN
fsr-3528	78	5	and	and	CCONJ
fsr-3528	78	6	range	range	NOUN
fsr-3528	78	7	of	of	ADP
fsr-3528	78	8	investment	investment	NOUN
fsr-3528	78	9	accounts	account	NOUN
fsr-3528	78	10	held	hold	VERB
fsr-3528	78	11	,	,	PUNCT
fsr-3528	78	12	where	where	SCONJ
fsr-3528	78	13	0	0	NUM
fsr-3528	78	14	means	mean	VERB
fsr-3528	78	15	no	no	DET
fsr-3528	78	16	accounts	account	NOUN
fsr-3528	78	17	,	,	PUNCT
fsr-3528	78	18	1	1	NUM
fsr-3528	78	19	represents	represent	VERB
fsr-3528	78	20	work	work	NOUN
fsr-3528	78	21	-	-	PUNCT
fsr-3528	78	22	sponsored	sponsor	VERB
fsr-3528	78	23	accounts	account	NOUN
fsr-3528	78	24	and	and	CCONJ
fsr-3528	78	25	ira	ira	PROPN
fsr-3528	78	26	types	type	NOUN
fsr-3528	78	27	only	only	ADV
fsr-3528	78	28	,	,	PUNCT
fsr-3528	78	29	and	and	CCONJ
fsr-3528	78	30	4	4	NUM
fsr-3528	78	31	includes	include	VERB
fsr-3528	78	32	brokerage	brokerage	NOUN
fsr-3528	78	33	and	and	CCONJ
fsr-3528	78	34	cryptocurrency	cryptocurrency	NOUN
fsr-3528	78	35	accounts	account	NOUN
fsr-3528	78	36	.	.	PUNCT
fsr-3528	79	1	100	100	NUM
fsr-3528	79	2	k.	k.	PROPN
fsr-3528	79	3	l.	l.	PROPN
fsr-3528	79	4	beck	beck	PROPN
fsr-3528	79	5	et	et	PROPN
fsr-3528	79	6	al	al	PROPN
fsr-3528	79	7	.	.	PUNCT
fsr-3528	79	8	/	/	SYM
fsr-3528	79	9	financial	financial	ADJ
fsr-3528	79	10	services	service	NOUN
fsr-3528	79	11	review	review	VERB
fsr-3528	79	12	31	31	NUM
fsr-3528	79	13	(	(	PUNCT
fsr-3528	79	14	2023	2023	NUM
fsr-3528	79	15	)	)	PUNCT
fsr-3528	80	1	97–106	97–106	PRON
fsr-3528	80	2	table	table	NOUN
fsr-3528	80	3	2	2	NUM
fsr-3528	80	4	presents	present	VERB
fsr-3528	80	5	the	the	DET
fsr-3528	80	6	multivariate	multivariate	NOUN
fsr-3528	80	7	analysis	analysis	NOUN
fsr-3528	80	8	for	for	ADP
fsr-3528	80	9	the	the	DET
fsr-3528	80	10	three	three	NUM
fsr-3528	80	11	risk	risk	NOUN
fsr-3528	80	12	questions	question	NOUN
fsr-3528	80	13	,	,	PUNCT
fsr-3528	80	14	exploring	explore	VERB
fsr-3528	80	15	how	how	SCONJ
fsr-3528	80	16	risk	risk	NOUN
fsr-3528	80	17	is	be	AUX
fsr-3528	80	18	influenced	influence	VERB
fsr-3528	80	19	by	by	ADP
fsr-3528	80	20	category	category	NOUN
fsr-3528	80	21	.	.	PUNCT
fsr-3528	81	1	we	we	PRON
fsr-3528	81	2	further	far	ADV
fsr-3528	81	3	differentiate	differentiate	VERB
fsr-3528	81	4	aggregate	aggregate	ADJ
fsr-3528	81	5	risk	risk	NOUN
fsr-3528	81	6	in	in	ADP
fsr-3528	81	7	table	table	NOUN
fsr-3528	81	8	3	3	NUM
fsr-3528	81	9	.	.	PUNCT
fsr-3528	81	10	models	model	NOUN
fsr-3528	81	11	1	1	NUM
fsr-3528	81	12	-	-	SYM
fsr-3528	81	13	3	3	NUM
fsr-3528	81	14	in	in	ADP
fsr-3528	81	15	table	table	NOUN
fsr-3528	81	16	2	2	NUM
fsr-3528	81	17	present	present	NOUN
fsr-3528	81	18	the	the	DET
fsr-3528	81	19	results	result	NOUN
fsr-3528	81	20	for	for	ADP
fsr-3528	81	21	each	each	PRON
fsr-3528	81	22	of	of	ADP
fsr-3528	81	23	the	the	DET
fsr-3528	81	24	three	three	NUM
fsr-3528	81	25	individual	individual	ADJ
fsr-3528	81	26	risk	risk	NOUN
fsr-3528	81	27	questions	question	NOUN
fsr-3528	81	28	.	.	PUNCT
fsr-3528	82	1	as	as	SCONJ
fsr-3528	82	2	each	each	PRON
fsr-3528	82	3	of	of	ADP
fsr-3528	82	4	the	the	DET
fsr-3528	82	5	individual	individual	ADJ
fsr-3528	82	6	questions	question	NOUN
fsr-3528	82	7	measures	measure	VERB
fsr-3528	82	8	a	a	DET
fsr-3528	82	9	slightly	slightly	ADV
fsr-3528	82	10	different	different	ADJ
fsr-3528	82	11	risk	risk	NOUN
fsr-3528	82	12	dimension	dimension	NOUN
fsr-3528	82	13	,	,	PUNCT
fsr-3528	82	14	it	it	PRON
fsr-3528	82	15	is	be	AUX
fsr-3528	82	16	important	important	ADJ
fsr-3528	82	17	to	to	PART
fsr-3528	82	18	look	look	VERB
fsr-3528	82	19	at	at	ADP
fsr-3528	82	20	the	the	DET
fsr-3528	82	21	results	result	NOUN
fsr-3528	82	22	by	by	ADP
fsr-3528	82	23	individual	individual	ADJ
fsr-3528	82	24	question	question	NOUN
fsr-3528	82	25	.	.	PUNCT
fsr-3528	83	1	in	in	ADP
fsr-3528	83	2	model	model	NOUN
fsr-3528	83	3	1	1	NUM
fsr-3528	83	4	,	,	PUNCT
fsr-3528	83	5	we	we	PRON
fsr-3528	83	6	look	look	VERB
fsr-3528	83	7	at	at	ADP
fsr-3528	83	8	the	the	DET
fsr-3528	83	9	agreement	agreement	NOUN
fsr-3528	83	10	with	with	ADP
fsr-3528	83	11	the	the	DET
fsr-3528	83	12	statement	statement	NOUN
fsr-3528	83	13	that	that	SCONJ
fsr-3528	83	14	“	"	PUNCT
fsr-3528	83	15	protecting	protect	VERB
fsr-3528	83	16	money	money	NOUN
fsr-3528	83	17	is	be	AUX
fsr-3528	83	18	more	more	ADV
fsr-3528	83	19	important	important	ADJ
fsr-3528	83	20	than	than	ADP
fsr-3528	83	21	high	high	ADJ
fsr-3528	83	22	returns	return	NOUN
fsr-3528	83	23	.	.	PUNCT
fsr-3528	83	24	”	"	PUNCT
fsr-3528	84	1	we	we	PRON
fsr-3528	84	2	find	find	VERB
fsr-3528	84	3	that	that	SCONJ
fsr-3528	84	4	the	the	DET
fsr-3528	84	5	only	only	ADJ
fsr-3528	84	6	measure	measure	NOUN
fsr-3528	84	7	with	with	ADP
fsr-3528	84	8	a	a	DET
fsr-3528	84	9	significant	significant	ADJ
fsr-3528	84	10	impact	impact	NOUN
fsr-3528	84	11	on	on	ADP
fsr-3528	84	12	the	the	DET
fsr-3528	84	13	result	result	NOUN
fsr-3528	84	14	is	be	AUX
fsr-3528	84	15	the	the	DET
fsr-3528	84	16	self	self	NOUN
fsr-3528	84	17	-	-	PUNCT
fsr-3528	84	18	reported	report	VERB
fsr-3528	84	19	assessment	assessment	NOUN
fsr-3528	84	20	of	of	ADP
fsr-3528	84	21	one	one	NUM
fsr-3528	84	22	’s	’s	PART
fsr-3528	84	23	risk	risk	NOUN
fsr-3528	84	24	tolerance	tolerance	NOUN
fsr-3528	84	25	,	,	PUNCT
fsr-3528	84	26	invattcat	invattcat	NOUN
fsr-3528	84	27	.	.	PUNCT
fsr-3528	85	1	the	the	PRON
fsr-3528	85	2	higher	high	ADJ
fsr-3528	85	3	the	the	DET
fsr-3528	85	4	self	self	NOUN
fsr-3528	85	5	-	-	PUNCT
fsr-3528	85	6	reported	report	VERB
fsr-3528	85	7	risk	risk	NOUN
fsr-3528	85	8	tolerance	tolerance	NOUN
fsr-3528	85	9	,	,	PUNCT
fsr-3528	85	10	the	the	DET
fsr-3528	85	11	more	more	ADJ
fsr-3528	85	12	risk	risk	NOUN
fsr-3528	85	13	the	the	DET
fsr-3528	85	14	person	person	NOUN
fsr-3528	85	15	is	be	AUX
fsr-3528	85	16	willing	willing	ADJ
fsr-3528	85	17	to	to	PART
fsr-3528	85	18	take	take	VERB
fsr-3528	85	19	,	,	PUNCT
fsr-3528	85	20	as	as	SCONJ
fsr-3528	85	21	evidenced	evidence	VERB
fsr-3528	85	22	by	by	ADP
fsr-3528	85	23	the	the	DET
fsr-3528	85	24	strongest	strong	ADJ
fsr-3528	85	25	disagreement	disagreement	NOUN
fsr-3528	85	26	with	with	ADP
fsr-3528	85	27	this	this	DET
fsr-3528	85	28	statement	statement	NOUN
fsr-3528	85	29	.	.	PUNCT
fsr-3528	86	1	there	there	PRON
fsr-3528	86	2	appears	appear	VERB
fsr-3528	86	3	to	to	PART
fsr-3528	86	4	be	be	AUX
fsr-3528	86	5	a	a	DET
fsr-3528	86	6	positive	positive	ADJ
fsr-3528	86	7	relationship	relationship	NOUN
fsr-3528	86	8	between	between	ADP
fsr-3528	86	9	willingness	willingness	NOUN
fsr-3528	86	10	to	to	PART
fsr-3528	86	11	take	take	VERB
fsr-3528	86	12	investment	investment	NOUN
fsr-3528	86	13	risk	risk	NOUN
fsr-3528	86	14	(	(	PUNCT
fsr-3528	86	15	look	look	VERB
fsr-3528	86	16	for	for	ADP
fsr-3528	86	17	higher	high	ADJ
fsr-3528	86	18	return	return	NOUN
fsr-3528	86	19	vs.	vs.	ADP
fsr-3528	86	20	conservative	conservative	ADJ
fsr-3528	86	21	money	money	NOUN
fsr-3528	86	22	protection	protection	NOUN
fsr-3528	86	23	)	)	PUNCT
fsr-3528	86	24	and	and	CCONJ
fsr-3528	86	25	the	the	DET
fsr-3528	86	26	way	way	NOUN
fsr-3528	86	27	an	an	DET
fsr-3528	86	28	individual	individual	NOUN
fsr-3528	86	29	perceives	perceive	VERB
fsr-3528	86	30	themself	themself	PRON
fsr-3528	86	31	in	in	ADP
fsr-3528	86	32	relation	relation	NOUN
fsr-3528	86	33	to	to	PART
fsr-3528	86	34	risk	risk	VERB
fsr-3528	86	35	.	.	PUNCT
fsr-3528	87	1	when	when	SCONJ
fsr-3528	87	2	asked	ask	VERB
fsr-3528	87	3	to	to	PART
fsr-3528	87	4	rate	rate	VERB
fsr-3528	87	5	a	a	DET
fsr-3528	87	6	different	different	ADJ
fsr-3528	87	7	category	category	NOUN
fsr-3528	87	8	of	of	ADP
fsr-3528	87	9	risk	risk	NOUN
fsr-3528	87	10	,	,	PUNCT
fsr-3528	87	11	hypothetically	hypothetically	ADV
fsr-3528	87	12	investing	invest	VERB
fsr-3528	87	13	$	$	SYM
fsr-3528	87	14	1,000	1,000	NUM
fsr-3528	87	15	in	in	ADP
fsr-3528	87	16	a	a	DET
fsr-3528	87	17	range	range	NOUN
fsr-3528	87	18	of	of	ADP
fsr-3528	87	19	options	option	NOUN
fsr-3528	87	20	,	,	PUNCT
fsr-3528	87	21	the	the	DET
fsr-3528	87	22	answers	answer	NOUN
fsr-3528	87	23	ranged	range	VERB
fsr-3528	87	24	from	from	ADP
fsr-3528	87	25	a	a	DET
fsr-3528	87	26	relatively	relatively	ADV
fsr-3528	87	27	conservative	conservative	ADJ
fsr-3528	87	28	target	target	NOUN
fsr-3528	87	29	date	date	NOUN
fsr-3528	87	30	fund	fund	NOUN
fsr-3528	87	31	to	to	ADP
fsr-3528	87	32	a	a	DET
fsr-3528	87	33	risky	risky	ADJ
fsr-3528	87	34	allocation	allocation	NOUN
fsr-3528	87	35	of	of	ADP
fsr-3528	87	36	100	100	NUM
fsr-3528	87	37	%	%	NOUN
fsr-3528	87	38	cryptocurrency	cryptocurrency	NOUN
fsr-3528	87	39	.	.	PUNCT
fsr-3528	88	1	we	we	PRON
fsr-3528	88	2	found	find	VERB
fsr-3528	88	3	that	that	SCONJ
fsr-3528	88	4	the	the	DET
fsr-3528	88	5	main	main	ADJ
fsr-3528	88	6	variable	variable	ADJ
fsr-3528	88	7	influencing	influence	VERB
fsr-3528	88	8	investment	investment	NOUN
fsr-3528	88	9	is	be	AUX
fsr-3528	88	10	prior	prior	ADJ
fsr-3528	88	11	ownership	ownership	NOUN
fsr-3528	88	12	of	of	ADP
fsr-3528	88	13	financial	financial	ADJ
fsr-3528	88	14	assets	asset	NOUN
fsr-3528	88	15	.	.	PUNCT
fsr-3528	89	1	the	the	DET
fsr-3528	89	2	more	more	ADJ
fsr-3528	89	3	account	account	NOUN
fsr-3528	89	4	diversity	diversity	NOUN
fsr-3528	89	5	the	the	DET
fsr-3528	89	6	investor	investor	NOUN
fsr-3528	89	7	has	have	VERB
fsr-3528	89	8	,	,	PUNCT
fsr-3528	89	9	the	the	PRON
fsr-3528	89	10	more	more	ADV
fsr-3528	89	11	likely	likely	ADJ
fsr-3528	89	12	the	the	DET
fsr-3528	89	13	person	person	NOUN
fsr-3528	89	14	is	be	AUX
fsr-3528	89	15	to	to	PART
fsr-3528	89	16	make	make	VERB
fsr-3528	89	17	a	a	DET
fsr-3528	89	18	risky	risky	ADJ
fsr-3528	89	19	investment	investment	NOUN
fsr-3528	89	20	.	.	PUNCT
fsr-3528	90	1	this	this	PRON
fsr-3528	90	2	is	be	AUX
fsr-3528	90	3	a	a	DET
fsr-3528	90	4	key	key	ADJ
fsr-3528	90	5	finding	finding	NOUN
fsr-3528	90	6	that	that	PRON
fsr-3528	90	7	has	have	VERB
fsr-3528	90	8	implications	implication	NOUN
fsr-3528	90	9	for	for	ADP
fsr-3528	90	10	how	how	SCONJ
fsr-3528	90	11	we	we	PRON
fsr-3528	90	12	teach	teach	VERB
fsr-3528	90	13	finance	finance	NOUN
fsr-3528	90	14	and	and	CCONJ
fsr-3528	90	15	the	the	DET
fsr-3528	90	16	type	type	NOUN
fsr-3528	90	17	of	of	ADP
fsr-3528	90	18	practical	practical	ADJ
fsr-3528	90	19	knowledge	knowledge	NOUN
fsr-3528	90	20	students	student	NOUN
fsr-3528	90	21	should	should	AUX
fsr-3528	90	22	be	be	AUX
fsr-3528	90	23	exposed	expose	VERB
fsr-3528	90	24	to	to	ADP
fsr-3528	90	25	in	in	ADP
fsr-3528	90	26	a	a	DET
fsr-3528	90	27	finance	finance	NOUN
fsr-3528	90	28	class	class	NOUN
fsr-3528	90	29	.	.	PUNCT
fsr-3528	91	1	the	the	DET
fsr-3528	91	2	final	final	ADJ
fsr-3528	91	3	individual	individual	ADJ
fsr-3528	91	4	risk	risk	NOUN
fsr-3528	91	5	question	question	NOUN
fsr-3528	91	6	presents	present	VERB
fsr-3528	91	7	another	another	DET
fsr-3528	91	8	hypothetical	hypothetical	ADJ
fsr-3528	91	9	scenario	scenario	NOUN
fsr-3528	91	10	in	in	ADP
fsr-3528	91	11	which	which	PRON
fsr-3528	91	12	the	the	DET
fsr-3528	91	13	stock	stock	NOUN
fsr-3528	91	14	market	market	NOUN
fsr-3528	91	15	declines	decline	VERB
fsr-3528	91	16	sharply	sharply	ADV
fsr-3528	91	17	.	.	PUNCT
fsr-3528	92	1	the	the	DET
fsr-3528	92	2	measure	measure	NOUN
fsr-3528	92	3	of	of	ADP
fsr-3528	92	4	risk	risk	NOUN
fsr-3528	92	5	ranges	range	VERB
fsr-3528	92	6	from	from	ADP
fsr-3528	92	7	conservative	conservative	ADJ
fsr-3528	92	8	,	,	PUNCT
fsr-3528	92	9	where	where	SCONJ
fsr-3528	92	10	a	a	DET
fsr-3528	92	11	respondent	respondent	NOUN
fsr-3528	92	12	decides	decide	VERB
fsr-3528	92	13	to	to	PART
fsr-3528	92	14	sell	sell	VERB
fsr-3528	92	15	the	the	DET
fsr-3528	92	16	rest	rest	NOUN
fsr-3528	92	17	of	of	ADP
fsr-3528	92	18	the	the	DET
fsr-3528	92	19	position	position	NOUN
fsr-3528	92	20	,	,	PUNCT
fsr-3528	92	21	to	to	AUX
fsr-3528	92	22	aggressive	aggressive	ADJ
fsr-3528	92	23	,	,	PUNCT
fsr-3528	92	24	where	where	SCONJ
fsr-3528	92	25	a	a	DET
fsr-3528	92	26	respondent	respondent	NOUN
fsr-3528	92	27	decides	decide	VERB
fsr-3528	92	28	to	to	PART
fsr-3528	92	29	buy	buy	VERB
fsr-3528	92	30	more	more	ADJ
fsr-3528	92	31	of	of	ADP
fsr-3528	92	32	the	the	DET
fsr-3528	92	33	same	same	ADJ
fsr-3528	92	34	,	,	PUNCT
fsr-3528	92	35	now	now	ADV
fsr-3528	92	36	low	low	ADJ
fsr-3528	92	37	,	,	PUNCT
fsr-3528	92	38	investment	investment	NOUN
fsr-3528	92	39	.	.	PUNCT
fsr-3528	93	1	we	we	PRON
fsr-3528	93	2	find	find	VERB
fsr-3528	93	3	several	several	ADJ
fsr-3528	93	4	variables	variable	NOUN
fsr-3528	93	5	that	that	PRON
fsr-3528	93	6	influence	influence	VERB
fsr-3528	93	7	this	this	DET
fsr-3528	93	8	risk	risk	NOUN
fsr-3528	93	9	tolerance	tolerance	NOUN
fsr-3528	93	10	dimension	dimension	NOUN
fsr-3528	93	11	.	.	PUNCT
fsr-3528	94	1	the	the	DET
fsr-3528	94	2	same	same	ADJ
fsr-3528	94	3	two	two	NUM
fsr-3528	94	4	variables	variable	NOUN
fsr-3528	94	5	mentioned	mention	VERB
fsr-3528	94	6	in	in	ADP
fsr-3528	94	7	the	the	DET
fsr-3528	94	8	previous	previous	ADJ
fsr-3528	94	9	questions	question	NOUN
fsr-3528	94	10	are	be	AUX
fsr-3528	94	11	table	table	NOUN
fsr-3528	94	12	2	2	NUM
fsr-3528	94	13	regression	regression	NOUN
fsr-3528	94	14	analysis	analysis	NOUN
fsr-3528	94	15	.	.	PUNCT
fsr-3528	95	1	influence	influence	NOUN
fsr-3528	95	2	of	of	ADP
fsr-3528	95	3	risk	risk	NOUN
fsr-3528	95	4	by	by	ADP
fsr-3528	95	5	category	category	NOUN
fsr-3528	95	6	variable	variable	NOUN
fsr-3528	95	7	model	model	NOUN
fsr-3528	95	8	1	1	NUM
fsr-3528	95	9	model	model	NOUN
fsr-3528	95	10	2	2	NUM
fsr-3528	95	11	model	model	NOUN
fsr-3528	95	12	3	3	NUM
fsr-3528	95	13	advancedclasscat	advancedclasscat	NOUN
fsr-3528	95	14	0.05988	0.05988	NUM
fsr-3528	95	15	(	(	PUNCT
fsr-3528	95	16	0.659	0.659	NUM
fsr-3528	95	17	)	)	PUNCT
fsr-3528	95	18	0.08012	0.08012	NUM
fsr-3528	95	19	(	(	PUNCT
fsr-3528	95	20	0.565	0.565	NUM
fsr-3528	95	21	)	)	PUNCT
fsr-3528	95	22	!	!	PUNCT
fsr-3528	96	1	0.0229	0.0229	NUM
fsr-3528	96	2	(	(	PUNCT
fsr-3528	96	3	0.828	0.828	NUM
fsr-3528	96	4	)	)	PUNCT
fsr-3528	96	5	selfratedknowledgeinvestments2	selfratedknowledgeinvestments2	NOUN
fsr-3528	97	1	0.06633	0.06633	NUM
fsr-3528	97	2	(	(	PUNCT
fsr-3528	97	3	0.128	0.128	NUM
fsr-3528	97	4	)	)	PUNCT
fsr-3528	97	5	0.0044	0.0044	NUM
fsr-3528	97	6	(	(	PUNCT
fsr-3528	97	7	0.914	0.914	NUM
fsr-3528	97	8	)	)	PUNCT
fsr-3528	97	9	0.02821	0.02821	NUM
fsr-3528	97	10	(	(	PUNCT
fsr-3528	97	11	0.357	0.357	NUM
fsr-3528	97	12	)	)	PUNCT
fsr-3528	97	13	knowledgescore	knowledgescore	NOUN
fsr-3528	97	14	!	!	PUNCT
fsr-3528	98	1	0.04883	0.04883	NUM
fsr-3528	98	2	(	(	PUNCT
fsr-3528	98	3	0.298	0.298	NUM
fsr-3528	98	4	)	)	PUNCT
fsr-3528	98	5	0.0638	0.0638	NUM
fsr-3528	98	6	(	(	PUNCT
fsr-3528	98	7	0.176	0.176	NUM
fsr-3528	98	8	)	)	PUNCT
fsr-3528	98	9	0.03902	0.03902	NUM
fsr-3528	98	10	(	(	PUNCT
fsr-3528	98	11	0.302	0.302	NUM
fsr-3528	98	12	)	)	PUNCT
fsr-3528	98	13	interestedinvcat	interestedinvcat	NOUN
fsr-3528	98	14	0.17453	0.17453	NUM
fsr-3528	98	15	(	(	PUNCT
fsr-3528	98	16	0.142	0.142	NUM
fsr-3528	98	17	)	)	PUNCT
fsr-3528	98	18	0.1071	0.1071	NUM
fsr-3528	98	19	(	(	PUNCT
fsr-3528	98	20	0.375	0.375	NUM
fsr-3528	98	21	)	)	PUNCT
fsr-3528	98	22	0.2307	0.2307	NUM
fsr-3528	98	23	(	(	PUNCT
fsr-3528	98	24	0.022	0.022	NUM
fsr-3528	98	25	)	)	PUNCT
fsr-3528	98	26	*	*	PUNCT
fsr-3528	98	27	*	*	PUNCT
fsr-3528	98	28	ownetfsmutualcat	ownetfsmutualcat	NOUN
fsr-3528	98	29	0.08036	0.08036	X
fsr-3528	98	30	(	(	PUNCT
fsr-3528	98	31	0.585	0.585	NUM
fsr-3528	98	32	)	)	PUNCT
fsr-3528	98	33	0.2789	0.2789	NUM
fsr-3528	98	34	(	(	PUNCT
fsr-3528	98	35	0.112	0.112	NUM
fsr-3528	98	36	)	)	PUNCT
fsr-3528	98	37	0.1144	0.1144	NUM
fsr-3528	98	38	(	(	PUNCT
fsr-3528	98	39	0.387	0.387	NUM
fsr-3528	98	40	)	)	PUNCT
fsr-3528	98	41	invattcat	invattcat	NOUN
fsr-3528	98	42	0.17935	0.17935	NUM
fsr-3528	98	43	(	(	PUNCT
fsr-3528	98	44	0.012	0.012	NUM
fsr-3528	98	45	)	)	PUNCT
fsr-3528	98	46	*	*	PUNCT
fsr-3528	99	1	*	*	PUNCT
fsr-3528	99	2	0.0994	0.0994	NUM
fsr-3528	99	3	(	(	PUNCT
fsr-3528	99	4	0.169	0.169	NUM
fsr-3528	99	5	)	)	PUNCT
fsr-3528	99	6	0.03731	0.03731	NUM
fsr-3528	99	7	(	(	PUNCT
fsr-3528	99	8	0.471	0.471	NUM
fsr-3528	99	9	)	)	PUNCT
fsr-3528	99	10	gpacategory	gpacategory	NOUN
fsr-3528	99	11	0.02548	0.02548	NUM
fsr-3528	99	12	(	(	PUNCT
fsr-3528	99	13	0.735	0.735	NUM
fsr-3528	99	14	)	)	PUNCT
fsr-3528	99	15	!	!	PUNCT
fsr-3528	100	1	0.0206	0.0206	NUM
fsr-3528	100	2	(	(	PUNCT
fsr-3528	100	3	0.799	0.799	NUM
fsr-3528	100	4	)	)	PUNCT
fsr-3528	100	5	0.1548	0.1548	NUM
fsr-3528	100	6	(	(	PUNCT
fsr-3528	100	7	0.007	0.007	NUM
fsr-3528	100	8	)	)	PUNCT
fsr-3528	100	9	*	*	PUNCT
fsr-3528	100	10	*	*	PUNCT
fsr-3528	100	11	*	*	PUNCT
fsr-3528	100	12	gendercat	gendercat	ADJ
fsr-3528	100	13	!	!	PUNCT
fsr-3528	100	14	0.1336	0.1336	NUM
fsr-3528	100	15	(	(	PUNCT
fsr-3528	100	16	0.350	0.350	NUM
fsr-3528	100	17	)	)	PUNCT
fsr-3528	100	18	!	!	PUNCT
fsr-3528	101	1	0.0586	0.0586	NUM
fsr-3528	101	2	(	(	PUNCT
fsr-3528	101	3	0.692	0.692	NUM
fsr-3528	101	4	)	)	PUNCT
fsr-3528	101	5	!	!	PUNCT
fsr-3528	102	1	0.1923	0.1923	NUM
fsr-3528	102	2	(	(	PUNCT
fsr-3528	102	3	0.121	0.121	NUM
fsr-3528	102	4	)	)	PUNCT
fsr-3528	102	5	agecat	agecat	NOUN
fsr-3528	102	6	!	!	PUNCT
fsr-3528	103	1	0.07843	0.07843	NUM
fsr-3528	103	2	(	(	PUNCT
fsr-3528	103	3	0.426	0.426	NUM
fsr-3528	103	4	)	)	PUNCT
fsr-3528	103	5	!	!	PUNCT
fsr-3528	104	1	0.0278	0.0278	NUM
fsr-3528	104	2	(	(	PUNCT
fsr-3528	104	3	0.757	0.757	NUM
fsr-3528	104	4	)	)	PUNCT
fsr-3528	104	5	0.12962	0.12962	NUM
fsr-3528	104	6	(	(	PUNCT
fsr-3528	104	7	0.090	0.090	NUM
fsr-3528	104	8	)	)	PUNCT
fsr-3528	104	9	*	*	PUNCT
fsr-3528	104	10	hhincomecat	hhincomecat	NOUN
fsr-3528	104	11	!	!	PUNCT
fsr-3528	105	1	0.06061	0.06061	NUM
fsr-3528	105	2	(	(	PUNCT
fsr-3528	105	3	0.123	0.123	NUM
fsr-3528	105	4	)	)	PUNCT
fsr-3528	105	5	!	!	PUNCT
fsr-3528	106	1	0.0305	0.0305	NUM
fsr-3528	106	2	(	(	PUNCT
fsr-3528	106	3	0.462	0.462	NUM
fsr-3528	106	4	)	)	PUNCT
fsr-3528	106	5	0.01238	0.01238	NUM
fsr-3528	106	6	(	(	PUNCT
fsr-3528	106	7	0.676	0.676	NUM
fsr-3528	106	8	)	)	PUNCT
fsr-3528	106	9	debtcat	debtcat	NOUN
fsr-3528	106	10	0.04026	0.04026	NUM
fsr-3528	106	11	(	(	PUNCT
fsr-3528	106	12	0.439	0.439	NUM
fsr-3528	106	13	)	)	PUNCT
fsr-3528	106	14	0.0181	0.0181	NUM
fsr-3528	106	15	(	(	PUNCT
fsr-3528	106	16	0.724	0.724	NUM
fsr-3528	106	17	)	)	PUNCT
fsr-3528	106	18	0.0497	0.0497	NUM
fsr-3528	106	19	(	(	PUNCT
fsr-3528	106	20	0.121	0.121	NUM
fsr-3528	106	21	)	)	PUNCT
fsr-3528	106	22	savingscat	savingscat	NOUN
fsr-3528	106	23	!	!	PUNCT
fsr-3528	107	1	0.1764	0.1764	NUM
fsr-3528	107	2	(	(	PUNCT
fsr-3528	107	3	0.249	0.249	NUM
fsr-3528	107	4	)	)	PUNCT
fsr-3528	107	5	!	!	PUNCT
fsr-3528	108	1	0.1072	0.1072	NUM
fsr-3528	108	2	(	(	PUNCT
fsr-3528	108	3	0.511	0.511	NUM
fsr-3528	108	4	)	)	PUNCT
fsr-3528	108	5	0.0559	0.0559	NUM
fsr-3528	108	6	(	(	PUNCT
fsr-3528	108	7	0.633	0.633	NUM
fsr-3528	108	8	)	)	PUNCT
fsr-3528	108	9	accountsheldcat	accountsheldcat	NOUN
fsr-3528	108	10	!	!	PUNCT
fsr-3528	108	11	0.06035	0.06035	NUM
fsr-3528	108	12	(	(	PUNCT
fsr-3528	108	13	0.218	0.218	NUM
fsr-3528	108	14	)	)	PUNCT
fsr-3528	108	15	0.12049	0.12049	NUM
fsr-3528	108	16	(	(	PUNCT
fsr-3528	108	17	0.044	0.044	NUM
fsr-3528	108	18	)	)	PUNCT
fsr-3528	108	19	*	*	PUNCT
fsr-3528	108	20	*	*	PUNCT
fsr-3528	108	21	0.0784	0.0784	NUM
fsr-3528	108	22	(	(	PUNCT
fsr-3528	108	23	0.072	0.072	NUM
fsr-3528	108	24	)	)	PUNCT
fsr-3528	108	25	*	*	NOUN
fsr-3528	108	26	constant	constant	ADJ
fsr-3528	108	27	1.7172	1.7172	NUM
fsr-3528	108	28	(	(	PUNCT
fsr-3528	108	29	0.000	0.000	NUM
fsr-3528	108	30	)	)	PUNCT
fsr-3528	108	31	*	*	PUNCT
fsr-3528	109	1	*	*	PUNCT
fsr-3528	109	2	*	*	X
fsr-3528	109	3	1.4883	1.4883	NUM
fsr-3528	109	4	(	(	PUNCT
fsr-3528	109	5	0.001	0.001	NUM
fsr-3528	109	6	)	)	PUNCT
fsr-3528	109	7	*	*	PUNCT
fsr-3528	110	1	*	*	PUNCT
fsr-3528	110	2	*	*	PUNCT
fsr-3528	110	3	1.1004	1.1004	NUM
fsr-3528	110	4	(	(	PUNCT
fsr-3528	110	5	0.001	0.001	NUM
fsr-3528	110	6	)	)	PUNCT
fsr-3528	110	7	*	*	PUNCT
fsr-3528	110	8	*	*	PUNCT
fsr-3528	110	9	*	*	PUNCT
fsr-3528	110	10	model	model	NOUN
fsr-3528	110	11	p	p	NOUN
fsr-3528	110	12	-	-	PUNCT
fsr-3528	110	13	value	value	NOUN
fsr-3528	110	14	.0031	.0031	NOUN
fsr-3528	110	15	*	*	PUNCT
fsr-3528	110	16	*	*	PUNCT
fsr-3528	110	17	*	*	PUNCT
fsr-3528	110	18	.0000	.0000	PUNCT
fsr-3528	110	19	*	*	PUNCT
fsr-3528	110	20	*	*	PUNCT
fsr-3528	110	21	*	*	PUNCT
fsr-3528	110	22	.000	.000	NUM
fsr-3528	110	23	*	*	PUNCT
fsr-3528	110	24	*	*	PUNCT
fsr-3528	110	25	*	*	PUNCT
fsr-3528	110	26	adj	adj	PROPN
fsr-3528	110	27	r2	r2	PROPN
fsr-3528	110	28	0.1222	0.1222	NUM
fsr-3528	110	29	0.1834	0.1834	NUM
fsr-3528	110	30	0.2530	0.2530	NUM
fsr-3528	110	31	n	n	CCONJ
fsr-3528	110	32	260	260	NUM
fsr-3528	110	33	260	260	NUM
fsr-3528	110	34	260	260	NUM
fsr-3528	110	35	note	note	NOUN
fsr-3528	110	36	.	.	PUNCT
fsr-3528	111	1	models	model	NOUN
fsr-3528	111	2	1–3	1–3	PROPN
fsr-3528	111	3	have	have	VERB
fsr-3528	111	4	the	the	DET
fsr-3528	111	5	following	follow	VERB
fsr-3528	111	6	dependent	dependent	ADJ
fsr-3528	111	7	variables	variable	NOUN
fsr-3528	111	8	:	:	PUNCT
fsr-3528	111	9	protectmoneycat	protectmoneycat	NOUN
fsr-3528	111	10	,	,	PUNCT
fsr-3528	111	11	1kinvestcat	1kinvestcat	NUM
fsr-3528	111	12	,	,	PUNCT
fsr-3528	111	13	and	and	CCONJ
fsr-3528	111	14	stockmarketdowncat	stockmarketdowncat	PROPN
fsr-3528	111	15	.	.	PUNCT
fsr-3528	112	1	see	see	VERB
fsr-3528	112	2	table	table	NOUN
fsr-3528	112	3	1	1	NUM
fsr-3528	112	4	for	for	ADP
fsr-3528	112	5	variable	variable	ADJ
fsr-3528	112	6	definitions	definition	NOUN
fsr-3528	112	7	.	.	PUNCT
fsr-3528	113	1	*	*	PUNCT
fsr-3528	114	1	*	*	PUNCT
fsr-3528	114	2	*	*	PUNCT
fsr-3528	114	3	significant	significant	ADJ
fsr-3528	114	4	at	at	ADP
fsr-3528	114	5	1	1	NUM
fsr-3528	114	6	%	%	NOUN
fsr-3528	114	7	,	,	PUNCT
fsr-3528	114	8	*	*	PUNCT
fsr-3528	114	9	*	*	PUNCT
fsr-3528	114	10	significant	significant	ADJ
fsr-3528	114	11	at	at	ADP
fsr-3528	114	12	5	5	NUM
fsr-3528	114	13	%	%	NOUN
fsr-3528	114	14	,	,	PUNCT
fsr-3528	114	15	*	*	PUNCT
fsr-3528	114	16	significant	significant	ADJ
fsr-3528	114	17	at	at	ADP
fsr-3528	114	18	10	10	NUM
fsr-3528	114	19	%	%	NOUN
fsr-3528	114	20	.	.	PUNCT
fsr-3528	115	1	k.	k.	PROPN
fsr-3528	115	2	l.	l.	PROPN
fsr-3528	115	3	beck	beck	PROPN
fsr-3528	115	4	et	et	PROPN
fsr-3528	115	5	al	al	PROPN
fsr-3528	115	6	.	.	PUNCT
fsr-3528	115	7	/	/	SYM
fsr-3528	115	8	financial	financial	ADJ
fsr-3528	115	9	services	service	NOUN
fsr-3528	115	10	review	review	VERB
fsr-3528	115	11	31	31	NUM
fsr-3528	115	12	(	(	PUNCT
fsr-3528	115	13	2023	2023	NUM
fsr-3528	115	14	)	)	PUNCT
fsr-3528	115	15	97–106	97–106	NUM
fsr-3528	115	16	101	101	NUM
fsr-3528	115	17	also	also	ADV
fsr-3528	115	18	of	of	ADP
fsr-3528	115	19	interest	interest	NOUN
fsr-3528	115	20	here	here	ADV
fsr-3528	115	21	;	;	PUNCT
fsr-3528	115	22	the	the	DET
fsr-3528	115	23	more	more	ADJ
fsr-3528	115	24	interest	interest	NOUN
fsr-3528	115	25	one	one	NUM
fsr-3528	115	26	has	have	AUX
fsr-3528	115	27	in	in	ADP
fsr-3528	115	28	investments	investment	NOUN
fsr-3528	115	29	and	and	CCONJ
fsr-3528	115	30	the	the	DET
fsr-3528	115	31	more	more	ADJ
fsr-3528	115	32	accounts	account	NOUN
fsr-3528	115	33	one	one	NOUN
fsr-3528	115	34	already	already	ADV
fsr-3528	115	35	has	have	VERB
fsr-3528	115	36	,	,	PUNCT
fsr-3528	115	37	the	the	PRON
fsr-3528	115	38	more	more	ADV
fsr-3528	115	39	likely	likely	ADJ
fsr-3528	115	40	the	the	DET
fsr-3528	115	41	person	person	NOUN
fsr-3528	115	42	is	be	AUX
fsr-3528	115	43	to	to	PART
fsr-3528	115	44	hold	hold	VERB
fsr-3528	115	45	the	the	DET
fsr-3528	115	46	existing	exist	VERB
fsr-3528	115	47	positions	position	NOUN
fsr-3528	115	48	and	and	CCONJ
fsr-3528	115	49	to	to	PART
fsr-3528	115	50	see	see	VERB
fsr-3528	115	51	the	the	DET
fsr-3528	115	52	decline	decline	NOUN
fsr-3528	115	53	as	as	ADP
fsr-3528	115	54	an	an	DET
fsr-3528	115	55	opportunity	opportunity	NOUN
fsr-3528	115	56	.	.	PUNCT
fsr-3528	116	1	this	this	PRON
fsr-3528	116	2	is	be	AUX
fsr-3528	116	3	a	a	DET
fsr-3528	116	4	key	key	ADJ
fsr-3528	116	5	finding	finding	NOUN
fsr-3528	116	6	that	that	PRON
fsr-3528	116	7	can	can	AUX
fsr-3528	116	8	also	also	ADV
fsr-3528	116	9	be	be	AUX
fsr-3528	116	10	addressed	address	VERB
fsr-3528	116	11	when	when	SCONJ
fsr-3528	116	12	teaching	teach	VERB
fsr-3528	116	13	finance	finance	NOUN
fsr-3528	116	14	.	.	PUNCT
fsr-3528	117	1	given	give	VERB
fsr-3528	117	2	the	the	DET
fsr-3528	117	3	challenge	challenge	NOUN
fsr-3528	117	4	of	of	ADP
fsr-3528	117	5	timing	time	VERB
fsr-3528	117	6	the	the	DET
fsr-3528	117	7	market	market	NOUN
fsr-3528	117	8	and	and	CCONJ
fsr-3528	117	9	the	the	DET
fsr-3528	117	10	fact	fact	NOUN
fsr-3528	117	11	that	that	SCONJ
fsr-3528	117	12	a	a	DET
fsr-3528	117	13	typical	typical	ADJ
fsr-3528	117	14	investor	investor	NOUN
fsr-3528	117	15	on	on	ADP
fsr-3528	117	16	average	average	ADJ
fsr-3528	117	17	realizes	realize	VERB
fsr-3528	117	18	only	only	ADV
fsr-3528	117	19	about	about	ADV
fsr-3528	117	20	38	38	NUM
fsr-3528	117	21	%	%	NOUN
fsr-3528	117	22	of	of	ADP
fsr-3528	117	23	the	the	DET
fsr-3528	117	24	broad	broad	ADJ
fsr-3528	117	25	market	market	NOUN
fsr-3528	117	26	return	return	NOUN
fsr-3528	117	27	,	,	PUNCT
fsr-3528	117	28	being	be	AUX
fsr-3528	117	29	comfortable	comfortable	ADJ
fsr-3528	117	30	with	with	ADP
fsr-3528	117	31	taking	take	VERB
fsr-3528	117	32	the	the	DET
fsr-3528	117	33	risk	risk	NOUN
fsr-3528	117	34	and	and	CCONJ
fsr-3528	117	35	holding	hold	VERB
fsr-3528	117	36	on	on	ADP
fsr-3528	117	37	to	to	ADP
fsr-3528	117	38	a	a	DET
fsr-3528	117	39	position	position	NOUN
fsr-3528	117	40	when	when	SCONJ
fsr-3528	117	41	the	the	DET
fsr-3528	117	42	market	market	NOUN
fsr-3528	117	43	declines	decline	VERB
fsr-3528	117	44	would	would	AUX
fsr-3528	117	45	result	result	VERB
fsr-3528	117	46	in	in	ADP
fsr-3528	117	47	significantly	significantly	ADV
fsr-3528	117	48	higher	high	ADJ
fsr-3528	117	49	wealth	wealth	NOUN
fsr-3528	117	50	over	over	ADP
fsr-3528	117	51	the	the	DET
fsr-3528	117	52	lifetime	lifetime	NOUN
fsr-3528	117	53	of	of	ADP
fsr-3528	117	54	the	the	DET
fsr-3528	117	55	individual.10	individual.10	NOUN
fsr-3528	117	56	additionally	additionally	ADV
fsr-3528	117	57	,	,	PUNCT
fsr-3528	117	58	we	we	PRON
fsr-3528	117	59	find	find	VERB
fsr-3528	117	60	some	some	DET
fsr-3528	117	61	demographic	demographic	ADJ
fsr-3528	117	62	variables	variable	NOUN
fsr-3528	117	63	have	have	VERB
fsr-3528	117	64	an	an	DET
fsr-3528	117	65	association	association	NOUN
fsr-3528	117	66	with	with	ADP
fsr-3528	117	67	willingness	willingness	NOUN
fsr-3528	117	68	to	to	PART
fsr-3528	117	69	stay	stay	VERB
fsr-3528	117	70	invested	invest	VERB
fsr-3528	117	71	.	.	PUNCT
fsr-3528	118	1	specifically	specifically	ADV
fsr-3528	118	2	,	,	PUNCT
fsr-3528	118	3	an	an	DET
fsr-3528	118	4	older	old	ADJ
fsr-3528	118	5	survey	survey	NOUN
fsr-3528	118	6	respondent	respondent	NOUN
fsr-3528	118	7	who	who	PRON
fsr-3528	118	8	has	have	VERB
fsr-3528	118	9	a	a	DET
fsr-3528	118	10	higher	high	ADJ
fsr-3528	118	11	gpa	gpa	NOUN
fsr-3528	118	12	is	be	AUX
fsr-3528	118	13	more	more	ADV
fsr-3528	118	14	likely	likely	ADJ
fsr-3528	118	15	to	to	PART
fsr-3528	118	16	see	see	VERB
fsr-3528	118	17	this	this	PRON
fsr-3528	118	18	as	as	ADP
fsr-3528	118	19	an	an	DET
fsr-3528	118	20	opportunity	opportunity	NOUN
fsr-3528	118	21	to	to	PART
fsr-3528	118	22	take	take	VERB
fsr-3528	118	23	risks	risk	NOUN
fsr-3528	118	24	than	than	ADP
fsr-3528	118	25	an	an	DET
fsr-3528	118	26	opportunity	opportunity	NOUN
fsr-3528	118	27	to	to	PART
fsr-3528	118	28	cut	cut	VERB
fsr-3528	118	29	losses	loss	NOUN
fsr-3528	118	30	.	.	PUNCT
fsr-3528	119	1	this	this	PRON
fsr-3528	119	2	can	can	AUX
fsr-3528	119	3	be	be	AUX
fsr-3528	119	4	explained	explain	VERB
fsr-3528	119	5	by	by	ADP
fsr-3528	119	6	older	old	ADJ
fsr-3528	119	7	individuals	individual	NOUN
fsr-3528	119	8	having	have	VERB
fsr-3528	119	9	more	more	ADJ
fsr-3528	119	10	experience	experience	NOUN
fsr-3528	119	11	with	with	ADP
fsr-3528	119	12	investments	investment	NOUN
fsr-3528	119	13	,	,	PUNCT
fsr-3528	119	14	and	and	CCONJ
fsr-3528	119	15	the	the	DET
fsr-3528	119	16	fact	fact	NOUN
fsr-3528	119	17	that	that	SCONJ
fsr-3528	119	18	students	student	NOUN
fsr-3528	119	19	with	with	ADP
fsr-3528	119	20	a	a	DET
fsr-3528	119	21	higher	high	ADJ
fsr-3528	119	22	gpa	gpa	NOUN
fsr-3528	119	23	may	may	AUX
fsr-3528	119	24	have	have	AUX
fsr-3528	119	25	more	more	ADJ
fsr-3528	119	26	knowledge	knowledge	NOUN
fsr-3528	119	27	regarding	regard	VERB
fsr-3528	119	28	financial	financial	ADJ
fsr-3528	119	29	markets	market	NOUN
fsr-3528	119	30	and	and	CCONJ
fsr-3528	119	31	,	,	PUNCT
fsr-3528	119	32	as	as	ADP
fsr-3528	119	33	a	a	DET
fsr-3528	119	34	result	result	NOUN
fsr-3528	119	35	,	,	PUNCT
fsr-3528	119	36	are	be	AUX
fsr-3528	119	37	more	more	ADV
fsr-3528	119	38	willing	willing	ADJ
fsr-3528	119	39	to	to	PART
fsr-3528	119	40	take	take	VERB
fsr-3528	119	41	risks	risk	NOUN
fsr-3528	119	42	.	.	PUNCT
fsr-3528	120	1	to	to	PART
fsr-3528	120	2	further	far	ADV
fsr-3528	120	3	examine	examine	VERB
fsr-3528	120	4	the	the	DET
fsr-3528	120	5	relationship	relationship	NOUN
fsr-3528	120	6	between	between	ADP
fsr-3528	120	7	aggregate	aggregate	ADJ
fsr-3528	120	8	risk	risk	NOUN
fsr-3528	120	9	and	and	CCONJ
fsr-3528	120	10	impacting	impact	VERB
fsr-3528	120	11	factors	factor	NOUN
fsr-3528	120	12	,	,	PUNCT
fsr-3528	120	13	in	in	ADP
fsr-3528	120	14	table	table	NOUN
fsr-3528	120	15	3	3	NUM
fsr-3528	120	16	we	we	PRON
fsr-3528	120	17	assess	assess	VERB
fsr-3528	120	18	individual	individual	ADJ
fsr-3528	120	19	components	component	NOUN
fsr-3528	120	20	that	that	PRON
fsr-3528	120	21	may	may	AUX
fsr-3528	120	22	influence	influence	VERB
fsr-3528	120	23	aggregate	aggregate	ADJ
fsr-3528	120	24	risk	risk	NOUN
fsr-3528	120	25	.	.	PUNCT
fsr-3528	121	1	the	the	DET
fsr-3528	121	2	dependent	dependent	ADJ
fsr-3528	121	3	variable	variable	NOUN
fsr-3528	121	4	is	be	AUX
fsr-3528	121	5	an	an	DET
fsr-3528	121	6	aggregate	aggregate	ADJ
fsr-3528	121	7	risk	risk	NOUN
fsr-3528	121	8	measure	measure	NOUN
fsr-3528	121	9	constructed	construct	VERB
fsr-3528	121	10	from	from	ADP
fsr-3528	121	11	the	the	DET
fsr-3528	121	12	three	three	NUM
fsr-3528	121	13	individual	individual	ADJ
fsr-3528	121	14	risk	risk	NOUN
fsr-3528	121	15	questions	question	NOUN
fsr-3528	121	16	.	.	PUNCT
fsr-3528	122	1	in	in	ADP
fsr-3528	122	2	model	model	NOUN
fsr-3528	122	3	1	1	NUM
fsr-3528	122	4	,	,	PUNCT
fsr-3528	122	5	we	we	PRON
fsr-3528	122	6	test	test	VERB
fsr-3528	122	7	only	only	ADV
fsr-3528	122	8	demographic	demographic	ADJ
fsr-3528	122	9	variables	variable	NOUN
fsr-3528	122	10	;	;	PUNCT
fsr-3528	122	11	in	in	ADP
fsr-3528	122	12	model	model	NOUN
fsr-3528	122	13	2	2	NUM
fsr-3528	122	14	we	we	PRON
fsr-3528	122	15	add	add	VERB
fsr-3528	122	16	existing	exist	VERB
fsr-3528	122	17	savings	saving	NOUN
fsr-3528	122	18	and	and	CCONJ
fsr-3528	122	19	debt	debt	NOUN
fsr-3528	122	20	,	,	PUNCT
fsr-3528	122	21	variables	variable	NOUN
fsr-3528	122	22	that	that	PRON
fsr-3528	122	23	show	show	VERB
fsr-3528	122	24	the	the	DET
fsr-3528	122	25	ability	ability	NOUN
fsr-3528	122	26	to	to	PART
fsr-3528	122	27	undertake	undertake	VERB
fsr-3528	122	28	risk	risk	NOUN
fsr-3528	122	29	;	;	PUNCT
fsr-3528	122	30	in	in	ADP
fsr-3528	122	31	model	model	NOUN
fsr-3528	122	32	3	3	NUM
fsr-3528	122	33	we	we	PRON
fsr-3528	122	34	take	take	VERB
fsr-3528	122	35	a	a	DET
fsr-3528	122	36	separate	separate	ADJ
fsr-3528	122	37	look	look	NOUN
fsr-3528	122	38	at	at	ADP
fsr-3528	122	39	the	the	DET
fsr-3528	122	40	most	most	ADV
fsr-3528	122	41	significant	significant	ADJ
fsr-3528	122	42	variables	variable	NOUN
fsr-3528	122	43	in	in	ADP
fsr-3528	122	44	the	the	DET
fsr-3528	122	45	previous	previous	ADJ
fsr-3528	122	46	analyses	analysis	NOUN
fsr-3528	122	47	,	,	PUNCT
fsr-3528	122	48	such	such	ADJ
fsr-3528	122	49	as	as	ADP
fsr-3528	122	50	interest	interest	NOUN
fsr-3528	122	51	in	in	ADP
fsr-3528	122	52	investments	investment	NOUN
fsr-3528	122	53	and	and	CCONJ
fsr-3528	122	54	investment	investment	NOUN
fsr-3528	122	55	knowledge	knowledge	NOUN
fsr-3528	122	56	.	.	PUNCT
fsr-3528	123	1	the	the	DET
fsr-3528	123	2	last	last	ADJ
fsr-3528	123	3	model	model	NOUN
fsr-3528	123	4	combines	combine	VERB
fsr-3528	123	5	all	all	DET
fsr-3528	123	6	variables	variable	NOUN
fsr-3528	123	7	.	.	PUNCT
fsr-3528	124	1	we	we	PRON
fsr-3528	124	2	find	find	VERB
fsr-3528	124	3	that	that	SCONJ
fsr-3528	124	4	the	the	DET
fsr-3528	124	5	demographic	demographic	ADJ
fsr-3528	124	6	and	and	CCONJ
fsr-3528	124	7	knowledge	knowledge	NOUN
fsr-3528	124	8	variables	variable	NOUN
fsr-3528	124	9	have	have	VERB
fsr-3528	124	10	almost	almost	ADV
fsr-3528	124	11	no	no	PRON
fsr-3528	124	12	relationship	relationship	NOUN
fsr-3528	124	13	to	to	ADP
fsr-3528	124	14	the	the	DET
fsr-3528	124	15	risk	risk	NOUN
fsr-3528	124	16	tolerance	tolerance	NOUN
fsr-3528	124	17	of	of	ADP
fsr-3528	124	18	a	a	DET
fsr-3528	124	19	college	college	NOUN
fsr-3528	124	20	student	student	NOUN
fsr-3528	124	21	with	with	ADP
fsr-3528	124	22	some	some	DET
fsr-3528	124	23	knowledge	knowledge	NOUN
fsr-3528	124	24	of	of	ADP
fsr-3528	124	25	finance	finance	NOUN
fsr-3528	124	26	;	;	PUNCT
fsr-3528	124	27	the	the	DET
fsr-3528	124	28	only	only	ADJ
fsr-3528	124	29	demographic	demographic	ADJ
fsr-3528	124	30	characteristic	characteristic	NOUN
fsr-3528	124	31	with	with	ADP
fsr-3528	124	32	explanatory	explanatory	ADJ
fsr-3528	124	33	power	power	NOUN
fsr-3528	124	34	is	be	AUX
fsr-3528	124	35	gender	gender	NOUN
fsr-3528	124	36	.	.	PUNCT
fsr-3528	125	1	as	as	SCONJ
fsr-3528	125	2	previously	previously	ADV
fsr-3528	125	3	documented	document	VERB
fsr-3528	125	4	in	in	ADP
fsr-3528	125	5	literature	literature	NOUN
fsr-3528	125	6	,	,	PUNCT
fsr-3528	125	7	females	female	NOUN
fsr-3528	125	8	are	be	AUX
fsr-3528	125	9	more	more	ADV
fsr-3528	125	10	prone	prone	ADJ
fsr-3528	125	11	to	to	PART
fsr-3528	125	12	risk	risk	VERB
fsr-3528	125	13	aversion	aversion	NOUN
fsr-3528	125	14	(	(	PUNCT
fsr-3528	125	15	see	see	VERB
fsr-3528	125	16	,	,	PUNCT
fsr-3528	125	17	e.g.	e.g.	ADV
fsr-3528	125	18	,	,	PUNCT
fsr-3528	125	19	olsen	olsen	PROPN
fsr-3528	125	20	&	&	CCONJ
fsr-3528	125	21	cox	cox	PROPN
fsr-3528	125	22	,	,	PUNCT
fsr-3528	125	23	2001	2001	NUM
fsr-3528	125	24	;	;	PUNCT
fsr-3528	125	25	lascu	lascu	PROPN
fsr-3528	125	26	,	,	PUNCT
fsr-3528	125	27	babb	babb	PROPN
fsr-3528	125	28	,	,	PUNCT
fsr-3528	125	29	&	&	CCONJ
fsr-3528	125	30	phillips	phillips	PROPN
fsr-3528	125	31	,	,	PUNCT
fsr-3528	125	32	1997	1997	NUM
fsr-3528	125	33	)	)	PUNCT
fsr-3528	125	34	.	.	PUNCT
fsr-3528	126	1	unlike	unlike	ADP
fsr-3528	126	2	prior	prior	ADJ
fsr-3528	126	3	literature	literature	NOUN
fsr-3528	126	4	,	,	PUNCT
fsr-3528	126	5	we	we	PRON
fsr-3528	126	6	do	do	AUX
fsr-3528	126	7	not	not	PART
fsr-3528	126	8	find	find	VERB
fsr-3528	126	9	that	that	SCONJ
fsr-3528	126	10	financial	financial	ADJ
fsr-3528	126	11	knowledge	knowledge	NOUN
fsr-3528	126	12	is	be	AUX
fsr-3528	126	13	linked	link	VERB
fsr-3528	126	14	to	to	ADP
fsr-3528	126	15	risk	risk	NOUN
fsr-3528	126	16	.	.	PUNCT
fsr-3528	127	1	the	the	DET
fsr-3528	127	2	difference	difference	NOUN
fsr-3528	127	3	can	can	AUX
fsr-3528	127	4	be	be	AUX
fsr-3528	127	5	attributed	attribute	VERB
fsr-3528	127	6	to	to	ADP
fsr-3528	127	7	the	the	DET
fsr-3528	127	8	sample	sample	NOUN
fsr-3528	127	9	used	use	VERB
fsr-3528	127	10	.	.	PUNCT
fsr-3528	128	1	it	it	PRON
fsr-3528	128	2	is	be	AUX
fsr-3528	128	3	possible	possible	ADJ
fsr-3528	128	4	that	that	SCONJ
fsr-3528	128	5	once	once	SCONJ
fsr-3528	128	6	someone	someone	PRON
fsr-3528	128	7	has	have	VERB
fsr-3528	128	8	a	a	DET
fsr-3528	128	9	basic	basic	ADJ
fsr-3528	128	10	understanding	understanding	NOUN
fsr-3528	128	11	of	of	ADP
fsr-3528	128	12	finance	finance	NOUN
fsr-3528	128	13	and	and	CCONJ
fsr-3528	128	14	investments	investment	NOUN
fsr-3528	128	15	through	through	ADP
fsr-3528	128	16	exposure	exposure	NOUN
fsr-3528	128	17	to	to	ADP
fsr-3528	128	18	introductory	introductory	ADJ
fsr-3528	128	19	finance	finance	NOUN
fsr-3528	128	20	,	,	PUNCT
fsr-3528	128	21	the	the	DET
fsr-3528	128	22	significance	significance	NOUN
fsr-3528	128	23	of	of	ADP
fsr-3528	128	24	the	the	DET
fsr-3528	128	25	knowledge	knowledge	NOUN
fsr-3528	128	26	differential	differential	NOUN
fsr-3528	128	27	disappears	disappear	VERB
fsr-3528	128	28	.	.	PUNCT
fsr-3528	129	1	our	our	PRON
fsr-3528	129	2	sample	sample	NOUN
fsr-3528	129	3	consists	consist	VERB
fsr-3528	129	4	of	of	ADP
fsr-3528	129	5	students	student	NOUN
fsr-3528	129	6	who	who	PRON
fsr-3528	129	7	already	already	ADV
fsr-3528	129	8	have	have	VERB
fsr-3528	129	9	a	a	DET
fsr-3528	129	10	basic	basic	ADJ
fsr-3528	129	11	understanding	understanding	NOUN
fsr-3528	129	12	of	of	ADP
fsr-3528	129	13	finance	finance	NOUN
fsr-3528	129	14	and	and	CCONJ
fsr-3528	129	15	investments	investment	NOUN
fsr-3528	129	16	.	.	PUNCT
fsr-3528	130	1	this	this	DET
fsr-3528	130	2	aspect	aspect	NOUN
fsr-3528	130	3	needs	need	VERB
fsr-3528	130	4	to	to	PART
fsr-3528	130	5	be	be	AUX
fsr-3528	130	6	explored	explore	VERB
fsr-3528	130	7	further	far	ADV
fsr-3528	130	8	as	as	SCONJ
fsr-3528	130	9	it	it	PRON
fsr-3528	130	10	affects	affect	VERB
fsr-3528	130	11	the	the	DET
fsr-3528	130	12	way	way	NOUN
fsr-3528	130	13	financial	financial	ADJ
fsr-3528	130	14	risk	risk	NOUN
fsr-3528	130	15	should	should	AUX
fsr-3528	130	16	be	be	AUX
fsr-3528	130	17	taught	teach	VERB
fsr-3528	130	18	in	in	ADP
fsr-3528	130	19	college	college	NOUN
fsr-3528	130	20	and	and	CCONJ
fsr-3528	130	21	discussed	discuss	VERB
fsr-3528	130	22	with	with	ADP
fsr-3528	130	23	clients	client	NOUN
fsr-3528	130	24	.	.	PUNCT
fsr-3528	131	1	research	research	NOUN
fsr-3528	131	2	is	be	AUX
fsr-3528	131	3	mixed	mix	VERB
fsr-3528	131	4	on	on	ADP
fsr-3528	131	5	whether	whether	SCONJ
fsr-3528	131	6	risk	risk	NOUN
fsr-3528	131	7	aversion	aversion	NOUN
fsr-3528	131	8	increased	increase	VERB
fsr-3528	131	9	during	during	ADP
fsr-3528	131	10	the	the	DET
fsr-3528	131	11	pandemic	pandemic	NOUN
fsr-3528	131	12	so	so	SCONJ
fsr-3528	131	13	we	we	PRON
fsr-3528	131	14	can	can	AUX
fsr-3528	131	15	not	not	PART
fsr-3528	131	16	assume	assume	VERB
fsr-3528	131	17	a	a	DET
fsr-3528	131	18	higher	high	ADJ
fsr-3528	131	19	or	or	CCONJ
fsr-3528	131	20	lower	low	ADJ
fsr-3528	131	21	level	level	NOUN
fsr-3528	131	22	of	of	ADP
fsr-3528	131	23	risk	risk	NOUN
fsr-3528	131	24	aversion	aversion	NOUN
fsr-3528	131	25	for	for	ADP
fsr-3528	131	26	this	this	DET
fsr-3528	131	27	sample.11	sample.11	NOUN
fsr-3528	131	28	of	of	ADP
fsr-3528	131	29	interest	interest	NOUN
fsr-3528	131	30	in	in	ADP
fsr-3528	131	31	our	our	PRON
fsr-3528	131	32	results	result	NOUN
fsr-3528	131	33	is	be	AUX
fsr-3528	131	34	the	the	DET
fsr-3528	131	35	focus	focus	NOUN
fsr-3528	131	36	on	on	ADP
fsr-3528	131	37	the	the	DET
fsr-3528	131	38	variables	variable	NOUN
fsr-3528	131	39	that	that	PRON
fsr-3528	131	40	are	be	AUX
fsr-3528	131	41	not	not	PART
fsr-3528	131	42	usually	usually	ADV
fsr-3528	131	43	studied	study	VERB
fsr-3528	131	44	in	in	ADP
fsr-3528	131	45	the	the	DET
fsr-3528	131	46	context	context	NOUN
fsr-3528	131	47	of	of	ADP
fsr-3528	131	48	risk	risk	NOUN
fsr-3528	131	49	tolerance	tolerance	NOUN
fsr-3528	131	50	.	.	PUNCT
fsr-3528	132	1	the	the	DET
fsr-3528	132	2	components	component	NOUN
fsr-3528	132	3	that	that	PRON
fsr-3528	132	4	drive	drive	VERB
fsr-3528	132	5	risk	risk	NOUN
fsr-3528	132	6	-	-	PUNCT
fsr-3528	132	7	taking	take	VERB
fsr-3528	132	8	willingness	willingness	NOUN
fsr-3528	132	9	are	be	AUX
fsr-3528	132	10	the	the	DET
fsr-3528	132	11	interest	interest	NOUN
fsr-3528	132	12	in	in	ADP
fsr-3528	132	13	investments	investment	NOUN
fsr-3528	132	14	,	,	PUNCT
fsr-3528	132	15	the	the	DET
fsr-3528	132	16	self	self	NOUN
fsr-3528	132	17	-	-	PUNCT
fsr-3528	132	18	reported	report	VERB
fsr-3528	132	19	risk	risk	NOUN
fsr-3528	132	20	tolerance	tolerance	NOUN
fsr-3528	132	21	attitude	attitude	NOUN
fsr-3528	132	22	,	,	PUNCT
fsr-3528	132	23	and	and	CCONJ
fsr-3528	132	24	existing	exist	VERB
fsr-3528	132	25	investment	investment	NOUN
fsr-3528	132	26	accounts	account	NOUN
fsr-3528	132	27	.	.	PUNCT
fsr-3528	133	1	the	the	DET
fsr-3528	133	2	more	more	ADJ
fsr-3528	133	3	interest	interest	NOUN
fsr-3528	133	4	one	one	NUM
fsr-3528	133	5	has	have	VERB
fsr-3528	133	6	in	in	ADP
fsr-3528	133	7	investments	investment	NOUN
fsr-3528	133	8	,	,	PUNCT
fsr-3528	133	9	the	the	DET
fsr-3528	133	10	more	more	ADV
fsr-3528	133	11	willing	willing	ADJ
fsr-3528	133	12	one	one	NOUN
fsr-3528	133	13	is	be	AUX
fsr-3528	133	14	to	to	PART
fsr-3528	133	15	take	take	VERB
fsr-3528	133	16	on	on	ADP
fsr-3528	133	17	investment	investment	NOUN
fsr-3528	133	18	risks	risk	NOUN
fsr-3528	133	19	,	,	PUNCT
fsr-3528	133	20	at	at	ADP
fsr-3528	133	21	least	least	ADJ
fsr-3528	133	22	in	in	ADP
fsr-3528	133	23	hypothetical	hypothetical	ADJ
fsr-3528	133	24	scenarios	scenario	NOUN
fsr-3528	133	25	.	.	PUNCT
fsr-3528	134	1	the	the	DET
fsr-3528	134	2	same	same	ADJ
fsr-3528	134	3	holds	hold	VERB
fsr-3528	134	4	true	true	ADJ
fsr-3528	134	5	for	for	ADP
fsr-3528	134	6	how	how	SCONJ
fsr-3528	134	7	one	one	PRON
fsr-3528	134	8	perceives	perceive	VERB
fsr-3528	134	9	their	their	PRON
fsr-3528	134	10	own	own	ADJ
fsr-3528	134	11	risk	risk	NOUN
fsr-3528	134	12	attitude	attitude	NOUN
fsr-3528	134	13	.	.	PUNCT
fsr-3528	135	1	the	the	DET
fsr-3528	135	2	more	more	ADJ
fsr-3528	135	3	risk	risk	NOUN
fsr-3528	135	4	-	-	PUNCT
fsr-3528	135	5	tolerant	tolerant	ADJ
fsr-3528	135	6	one	one	NUM
fsr-3528	135	7	self	self	NOUN
fsr-3528	135	8	-	-	PUNCT
fsr-3528	135	9	identifies	identifie	NOUN
fsr-3528	135	10	,	,	PUNCT
fsr-3528	135	11	the	the	PRON
fsr-3528	135	12	more	more	ADV
fsr-3528	135	13	likely	likely	ADJ
fsr-3528	135	14	they	they	PRON
fsr-3528	135	15	are	be	AUX
fsr-3528	135	16	to	to	PART
fsr-3528	135	17	choose	choose	VERB
fsr-3528	135	18	riskier	risky	ADJ
fsr-3528	135	19	investments	investment	NOUN
fsr-3528	135	20	.	.	PUNCT
fsr-3528	136	1	finally	finally	ADV
fsr-3528	136	2	,	,	PUNCT
fsr-3528	136	3	someone	someone	PRON
fsr-3528	136	4	who	who	PRON
fsr-3528	136	5	has	have	VERB
fsr-3528	136	6	several	several	ADJ
fsr-3528	136	7	accounts	account	NOUN
fsr-3528	136	8	,	,	PUNCT
fsr-3528	136	9	including	include	VERB
fsr-3528	136	10	riskier	risky	ADJ
fsr-3528	136	11	cryptocurrency	cryptocurrency	NOUN
fsr-3528	136	12	and	and	CCONJ
fsr-3528	136	13	individual	individual	ADJ
fsr-3528	136	14	stock	stock	NOUN
fsr-3528	136	15	investments	investment	NOUN
fsr-3528	136	16	,	,	PUNCT
fsr-3528	136	17	and	and	CCONJ
fsr-3528	136	18	someone	someone	PRON
fsr-3528	136	19	who	who	PRON
fsr-3528	136	20	already	already	ADV
fsr-3528	136	21	has	have	VERB
fsr-3528	136	22	investments	investment	NOUN
fsr-3528	136	23	is	be	AUX
fsr-3528	136	24	more	more	ADV
fsr-3528	136	25	likely	likely	ADJ
fsr-3528	136	26	to	to	PART
fsr-3528	136	27	be	be	AUX
fsr-3528	136	28	comfortable	comfortable	ADJ
fsr-3528	136	29	with	with	ADP
fsr-3528	136	30	risk	risk	NOUN
fsr-3528	136	31	.	.	PUNCT
fsr-3528	137	1	these	these	DET
fsr-3528	137	2	few	few	ADJ
fsr-3528	137	3	factors	factor	NOUN
fsr-3528	137	4	explain	explain	VERB
fsr-3528	137	5	about	about	ADV
fsr-3528	137	6	31	31	NUM
fsr-3528	137	7	%	%	NOUN
fsr-3528	137	8	of	of	ADP
fsr-3528	137	9	the	the	DET
fsr-3528	137	10	variability	variability	NOUN
fsr-3528	137	11	in	in	ADP
fsr-3528	137	12	aggregate	aggregate	ADJ
fsr-3528	137	13	risk	risk	NOUN
fsr-3528	137	14	.	.	PUNCT
fsr-3528	138	1	102	102	NUM
fsr-3528	138	2	k.	k.	PROPN
fsr-3528	138	3	l.	l.	PROPN
fsr-3528	138	4	beck	beck	PROPN
fsr-3528	138	5	et	et	PROPN
fsr-3528	138	6	al	al	PROPN
fsr-3528	138	7	.	.	PUNCT
fsr-3528	138	8	/	/	SYM
fsr-3528	138	9	financial	financial	ADJ
fsr-3528	138	10	services	service	NOUN
fsr-3528	138	11	review	review	VERB
fsr-3528	138	12	31	31	NUM
fsr-3528	138	13	(	(	PUNCT
fsr-3528	138	14	2023	2023	NUM
fsr-3528	138	15	)	)	PUNCT
fsr-3528	138	16	97–106	97–106	NUM
fsr-3528	138	17	3	3	NUM
fsr-3528	138	18	.	.	PUNCT
fsr-3528	138	19	conclusions	conclusion	NOUN
fsr-3528	138	20	and	and	CCONJ
fsr-3528	138	21	implications	implication	VERB
fsr-3528	138	22	the	the	DET
fsr-3528	138	23	requirements	requirement	NOUN
fsr-3528	138	24	of	of	ADP
fsr-3528	138	25	investment	investment	NOUN
fsr-3528	138	26	advice	advice	NOUN
fsr-3528	138	27	are	be	AUX
fsr-3528	138	28	changing	change	VERB
fsr-3528	138	29	due	due	ADJ
fsr-3528	138	30	to	to	ADP
fsr-3528	138	31	new	new	ADJ
fsr-3528	138	32	products	product	NOUN
fsr-3528	138	33	and	and	CCONJ
fsr-3528	138	34	trading	trading	NOUN
fsr-3528	138	35	platforms	platform	NOUN
fsr-3528	138	36	,	,	PUNCT
fsr-3528	138	37	and	and	CCONJ
fsr-3528	138	38	the	the	DET
fsr-3528	138	39	expectation	expectation	NOUN
fsr-3528	138	40	is	be	AUX
fsr-3528	138	41	that	that	SCONJ
fsr-3528	138	42	they	they	PRON
fsr-3528	138	43	will	will	AUX
fsr-3528	138	44	change	change	VERB
fsr-3528	138	45	even	even	ADV
fsr-3528	138	46	faster	fast	ADV
fsr-3528	138	47	as	as	ADP
fsr-3528	138	48	millennials	millennial	NOUN
fsr-3528	138	49	and	and	CCONJ
fsr-3528	138	50	gen	gen	PROPN
fsr-3528	138	51	z	z	NOUN
fsr-3528	138	52	access	access	NOUN
fsr-3528	138	53	investment	investment	NOUN
fsr-3528	138	54	markets	market	NOUN
fsr-3528	138	55	.	.	PUNCT
fsr-3528	139	1	in	in	ADP
fsr-3528	139	2	this	this	DET
fsr-3528	139	3	paper	paper	NOUN
fsr-3528	139	4	,	,	PUNCT
fsr-3528	139	5	we	we	PRON
fsr-3528	139	6	look	look	VERB
fsr-3528	139	7	at	at	ADP
fsr-3528	139	8	the	the	DET
fsr-3528	139	9	changing	change	VERB
fsr-3528	139	10	landscape	landscape	NOUN
fsr-3528	139	11	of	of	ADP
fsr-3528	139	12	risk	risk	NOUN
fsr-3528	139	13	tolerance	tolerance	NOUN
fsr-3528	139	14	and	and	CCONJ
fsr-3528	139	15	perceptions	perception	NOUN
fsr-3528	139	16	for	for	ADP
fsr-3528	139	17	current	current	ADJ
fsr-3528	139	18	college	college	NOUN
fsr-3528	139	19	students	student	NOUN
fsr-3528	139	20	,	,	PUNCT
fsr-3528	139	21	concluding	conclude	VERB
fsr-3528	139	22	that	that	SCONJ
fsr-3528	139	23	the	the	DET
fsr-3528	139	24	typical	typical	ADJ
fsr-3528	139	25	risk	risk	NOUN
fsr-3528	139	26	assessment	assessment	NOUN
fsr-3528	139	27	tools	tool	NOUN
fsr-3528	139	28	advisors	advisor	NOUN
fsr-3528	139	29	use	use	VERB
fsr-3528	139	30	may	may	AUX
fsr-3528	139	31	not	not	PART
fsr-3528	139	32	be	be	AUX
fsr-3528	139	33	as	as	ADV
fsr-3528	139	34	applicable	applicable	ADJ
fsr-3528	139	35	to	to	ADP
fsr-3528	139	36	the	the	DET
fsr-3528	139	37	investors	investor	NOUN
fsr-3528	139	38	who	who	PRON
fsr-3528	139	39	will	will	AUX
fsr-3528	139	40	be	be	AUX
fsr-3528	139	41	coming	come	VERB
fsr-3528	139	42	through	through	ADP
fsr-3528	139	43	their	their	PRON
fsr-3528	139	44	doors	door	NOUN
fsr-3528	139	45	in	in	ADP
fsr-3528	139	46	the	the	DET
fsr-3528	139	47	next	next	ADJ
fsr-3528	139	48	decade	decade	NOUN
fsr-3528	139	49	.	.	PUNCT
fsr-3528	140	1	although	although	SCONJ
fsr-3528	140	2	new	new	ADJ
fsr-3528	140	3	risk	risk	NOUN
fsr-3528	140	4	assessment	assessment	NOUN
fsr-3528	140	5	tools	tool	NOUN
fsr-3528	140	6	are	be	AUX
fsr-3528	140	7	beyond	beyond	ADP
fsr-3528	140	8	the	the	DET
fsr-3528	140	9	scope	scope	NOUN
fsr-3528	140	10	of	of	ADP
fsr-3528	140	11	this	this	DET
fsr-3528	140	12	paper	paper	NOUN
fsr-3528	140	13	,	,	PUNCT
fsr-3528	140	14	our	our	PRON
fsr-3528	140	15	study	study	NOUN
fsr-3528	140	16	indicates	indicate	VERB
fsr-3528	140	17	that	that	SCONJ
fsr-3528	140	18	it	it	PRON
fsr-3528	140	19	is	be	AUX
fsr-3528	140	20	important	important	ADJ
fsr-3528	140	21	to	to	PART
fsr-3528	140	22	change	change	VERB
fsr-3528	140	23	the	the	DET
fsr-3528	140	24	way	way	NOUN
fsr-3528	140	25	we	we	PRON
fsr-3528	140	26	perceive	perceive	VERB
fsr-3528	140	27	and	and	CCONJ
fsr-3528	140	28	measure	measure	VERB
fsr-3528	140	29	investment	investment	NOUN
fsr-3528	140	30	risk	risk	NOUN
fsr-3528	140	31	.	.	PUNCT
fsr-3528	141	1	future	future	ADJ
fsr-3528	141	2	research	research	NOUN
fsr-3528	141	3	could	could	AUX
fsr-3528	141	4	also	also	ADV
fsr-3528	141	5	survey	survey	VERB
fsr-3528	141	6	intergenerational	intergenerational	ADJ
fsr-3528	141	7	changes	change	NOUN
fsr-3528	141	8	in	in	ADP
fsr-3528	141	9	risk	risk	NOUN
fsr-3528	141	10	tolerance	tolerance	NOUN
fsr-3528	141	11	as	as	ADV
fsr-3528	141	12	well	well	ADV
fsr-3528	141	13	as	as	ADP
fsr-3528	141	14	include	include	VERB
fsr-3528	141	15	non	non	ADJ
fsr-3528	141	16	-	-	ADJ
fsr-3528	141	17	college	college	ADJ
fsr-3528	141	18	gen	gen	PROPN
fsr-3528	141	19	z	z	PROPN
fsr-3528	141	20	investors	investor	NOUN
fsr-3528	141	21	to	to	PART
fsr-3528	141	22	address	address	VERB
fsr-3528	141	23	possible	possible	ADJ
fsr-3528	141	24	sample	sample	NOUN
fsr-3528	141	25	selection	selection	NOUN
fsr-3528	141	26	bias	bias	NOUN
fsr-3528	141	27	.	.	PUNCT
fsr-3528	142	1	another	another	DET
fsr-3528	142	2	implication	implication	NOUN
fsr-3528	142	3	of	of	ADP
fsr-3528	142	4	our	our	PRON
fsr-3528	142	5	study	study	NOUN
fsr-3528	142	6	is	be	AUX
fsr-3528	142	7	the	the	DET
fsr-3528	142	8	importance	importance	NOUN
fsr-3528	142	9	of	of	ADP
fsr-3528	142	10	updating	update	VERB
fsr-3528	142	11	how	how	SCONJ
fsr-3528	142	12	finance	finance	NOUN
fsr-3528	142	13	courses	course	NOUN
fsr-3528	142	14	are	be	AUX
fsr-3528	142	15	currently	currently	ADV
fsr-3528	142	16	taught	teach	VERB
fsr-3528	142	17	in	in	ADP
fsr-3528	142	18	most	most	ADJ
fsr-3528	142	19	universities	university	NOUN
fsr-3528	142	20	.	.	PUNCT
fsr-3528	143	1	for	for	ADP
fsr-3528	143	2	example	example	NOUN
fsr-3528	143	3	,	,	PUNCT
fsr-3528	143	4	we	we	PRON
fsr-3528	143	5	find	find	VERB
fsr-3528	143	6	that	that	SCONJ
fsr-3528	143	7	the	the	DET
fsr-3528	143	8	type	type	NOUN
fsr-3528	143	9	of	of	ADP
fsr-3528	143	10	investment	investment	NOUN
fsr-3528	143	11	accounts	account	NOUN
fsr-3528	143	12	already	already	ADV
fsr-3528	143	13	owned	own	VERB
fsr-3528	143	14	is	be	AUX
fsr-3528	143	15	the	the	DET
fsr-3528	143	16	major	major	ADJ
fsr-3528	143	17	driver	driver	NOUN
fsr-3528	143	18	of	of	ADP
fsr-3528	143	19	how	how	SCONJ
fsr-3528	143	20	a	a	DET
fsr-3528	143	21	young	young	ADJ
fsr-3528	143	22	investor	investor	NOUN
fsr-3528	143	23	will	will	AUX
fsr-3528	143	24	choose	choose	VERB
fsr-3528	143	25	to	to	PART
fsr-3528	143	26	invest	invest	VERB
fsr-3528	143	27	additional	additional	ADJ
fsr-3528	143	28	money	money	NOUN
fsr-3528	143	29	.	.	PUNCT
fsr-3528	144	1	it	it	PRON
fsr-3528	144	2	is	be	AUX
fsr-3528	144	3	important	important	ADJ
fsr-3528	144	4	to	to	PART
fsr-3528	144	5	point	point	VERB
fsr-3528	144	6	out	out	ADP
fsr-3528	144	7	that	that	SCONJ
fsr-3528	144	8	many	many	ADJ
fsr-3528	144	9	finance	finance	NOUN
fsr-3528	144	10	courses	course	NOUN
fsr-3528	144	11	while	while	SCONJ
fsr-3528	144	12	succeeding	succeed	VERB
fsr-3528	144	13	in	in	ADP
fsr-3528	144	14	the	the	DET
fsr-3528	144	15	delivery	delivery	NOUN
fsr-3528	144	16	of	of	ADP
fsr-3528	144	17	theoretical	theoretical	ADJ
fsr-3528	144	18	knowledge	knowledge	NOUN
fsr-3528	144	19	,	,	PUNCT
fsr-3528	144	20	do	do	AUX
fsr-3528	144	21	not	not	PART
fsr-3528	144	22	go	go	VERB
fsr-3528	144	23	into	into	ADP
fsr-3528	144	24	the	the	DET
fsr-3528	144	25	practical	practical	ADJ
fsr-3528	144	26	aspect	aspect	NOUN
fsr-3528	144	27	of	of	ADP
fsr-3528	144	28	opening	open	VERB
fsr-3528	144	29	investment	investment	NOUN
fsr-3528	144	30	accounts	account	NOUN
fsr-3528	144	31	.	.	PUNCT
fsr-3528	145	1	familiarizing	familiarize	VERB
fsr-3528	145	2	students	student	NOUN
fsr-3528	145	3	with	with	ADP
fsr-3528	145	4	investments	investment	NOUN
fsr-3528	145	5	,	,	PUNCT
fsr-3528	145	6	even	even	ADV
fsr-3528	145	7	if	if	SCONJ
fsr-3528	145	8	hypothetical	hypothetical	ADJ
fsr-3528	145	9	through	through	ADP
fsr-3528	145	10	an	an	DET
fsr-3528	145	11	investment	investment	NOUN
fsr-3528	145	12	simulation	simulation	NOUN
fsr-3528	145	13	game	game	NOUN
fsr-3528	145	14	,	,	PUNCT
fsr-3528	145	15	is	be	AUX
fsr-3528	145	16	a	a	DET
fsr-3528	145	17	great	great	ADJ
fsr-3528	145	18	way	way	NOUN
fsr-3528	145	19	to	to	PART
fsr-3528	145	20	create	create	VERB
fsr-3528	145	21	exposure	exposure	NOUN
fsr-3528	145	22	and	and	CCONJ
fsr-3528	145	23	the	the	DET
fsr-3528	145	24	willingness	willingness	NOUN
fsr-3528	145	25	to	to	PART
fsr-3528	145	26	increase	increase	VERB
fsr-3528	145	27	risk	risk	NOUN
fsr-3528	145	28	.	.	PUNCT
fsr-3528	146	1	advisors	advisor	NOUN
fsr-3528	146	2	should	should	AUX
fsr-3528	146	3	also	also	ADV
fsr-3528	146	4	devote	devote	VERB
fsr-3528	146	5	time	time	NOUN
fsr-3528	146	6	to	to	ADP
fsr-3528	146	7	educating	educate	VERB
fsr-3528	146	8	clients	client	NOUN
fsr-3528	146	9	on	on	ADP
fsr-3528	146	10	risk	risk	NOUN
fsr-3528	146	11	tolerance	tolerance	NOUN
fsr-3528	146	12	.	.	PUNCT
fsr-3528	147	1	overall	overall	ADV
fsr-3528	147	2	,	,	PUNCT
fsr-3528	147	3	we	we	PRON
fsr-3528	147	4	find	find	VERB
fsr-3528	147	5	that	that	SCONJ
fsr-3528	147	6	the	the	DET
fsr-3528	147	7	components	component	NOUN
fsr-3528	147	8	that	that	PRON
fsr-3528	147	9	drive	drive	VERB
fsr-3528	147	10	willingness	willingness	NOUN
fsr-3528	147	11	to	to	PART
fsr-3528	147	12	take	take	VERB
fsr-3528	147	13	risks	risk	NOUN
fsr-3528	147	14	are	be	AUX
fsr-3528	147	15	interest	interest	NOUN
fsr-3528	147	16	in	in	ADP
fsr-3528	147	17	investments	investment	NOUN
fsr-3528	147	18	,	,	PUNCT
fsr-3528	147	19	self	self	NOUN
fsr-3528	147	20	-	-	PUNCT
fsr-3528	147	21	reported	report	VERB
fsr-3528	147	22	investment	investment	NOUN
fsr-3528	147	23	risk	risk	NOUN
fsr-3528	147	24	tolerance	tolerance	NOUN
fsr-3528	147	25	,	,	PUNCT
fsr-3528	147	26	and	and	CCONJ
fsr-3528	147	27	ownership	ownership	NOUN
fsr-3528	147	28	of	of	ADP
fsr-3528	147	29	investment	investment	NOUN
fsr-3528	147	30	accounts	account	NOUN
fsr-3528	147	31	.	.	PUNCT
fsr-3528	148	1	our	our	PRON
fsr-3528	148	2	findings	finding	NOUN
fsr-3528	148	3	point	point	VERB
fsr-3528	148	4	out	out	ADP
fsr-3528	148	5	the	the	DET
fsr-3528	148	6	need	need	NOUN
fsr-3528	148	7	to	to	PART
fsr-3528	148	8	assess	assess	VERB
fsr-3528	148	9	risk	risk	NOUN
fsr-3528	148	10	in	in	ADP
fsr-3528	148	11	finance	finance	NOUN
fsr-3528	148	12	,	,	PUNCT
fsr-3528	148	13	investment	investment	NOUN
fsr-3528	148	14	,	,	PUNCT
fsr-3528	148	15	and	and	CCONJ
fsr-3528	148	16	personal	personal	ADJ
fsr-3528	148	17	finance	finance	NOUN
fsr-3528	148	18	table	table	NOUN
fsr-3528	148	19	3	3	NUM
fsr-3528	148	20	aggregate	aggregate	ADJ
fsr-3528	148	21	risk	risk	NOUN
fsr-3528	148	22	results	result	VERB
fsr-3528	148	23	variable	variable	ADJ
fsr-3528	148	24	model	model	NOUN
fsr-3528	148	25	1	1	NUM
fsr-3528	148	26	model	model	NOUN
fsr-3528	148	27	2	2	NUM
fsr-3528	148	28	model	model	NOUN
fsr-3528	148	29	3	3	NUM
fsr-3528	148	30	model	model	NOUN
fsr-3528	148	31	4	4	NUM
fsr-3528	148	32	advancedclasscat	advancedclasscat	NOUN
fsr-3528	148	33	0.36027	0.36027	NUM
fsr-3528	148	34	(	(	PUNCT
fsr-3528	148	35	0.108	0.108	NUM
fsr-3528	148	36	)	)	PUNCT
fsr-3528	148	37	0.3191	0.3191	NUM
fsr-3528	148	38	(	(	PUNCT
fsr-3528	148	39	0.169	0.169	NUM
fsr-3528	148	40	)	)	PUNCT
fsr-3528	148	41	self	self	NOUN
fsr-3528	148	42	-	-	PUNCT
fsr-3528	148	43	knowldcati	knowldcati	NOUN
fsr-3528	148	44	!	!	PUNCT
fsr-3528	149	1	0.2309	0.2309	NUM
fsr-3528	149	2	(	(	PUNCT
fsr-3528	149	3	0.173	0.173	NUM
fsr-3528	149	4	)	)	PUNCT
fsr-3528	149	5	!	!	PUNCT
fsr-3528	150	1	0.1691	0.1691	NUM
fsr-3528	150	2	(	(	PUNCT
fsr-3528	150	3	0.319	0.319	NUM
fsr-3528	150	4	)	)	PUNCT
fsr-3528	150	5	knowledgescore	knowledgescore	VERB
fsr-3528	150	6	0.1373	0.1373	NUM
fsr-3528	150	7	(	(	PUNCT
fsr-3528	150	8	0.085	0.085	NUM
fsr-3528	150	9	)	)	PUNCT
fsr-3528	150	10	*	*	PUNCT
fsr-3528	150	11	!	!	PUNCT
fsr-3528	151	1	0.1691	0.1691	NUM
fsr-3528	151	2	(	(	PUNCT
fsr-3528	151	3	0.319	0.319	NUM
fsr-3528	151	4	)	)	PUNCT
fsr-3528	151	5	interestedinvcat	interestedinvcat	NOUN
fsr-3528	151	6	0.5905	0.5905	NUM
fsr-3528	151	7	(	(	PUNCT
fsr-3528	151	8	0.005	0.005	NUM
fsr-3528	151	9	)	)	PUNCT
fsr-3528	151	10	*	*	PUNCT
fsr-3528	152	1	*	*	PUNCT
fsr-3528	152	2	*	*	PUNCT
fsr-3528	152	3	0.6089	0.6089	NUM
fsr-3528	152	4	(	(	PUNCT
fsr-3528	152	5	0.004	0.004	NUM
fsr-3528	152	6	)	)	PUNCT
fsr-3528	152	7	*	*	PUNCT
fsr-3528	152	8	*	*	PUNCT
fsr-3528	152	9	*	*	PUNCT
fsr-3528	152	10	ownetfsmutualcat	ownetfsmutualcat	NOUN
fsr-3528	152	11	0.5655	0.5655	PROPN
fsr-3528	152	12	(	(	PUNCT
fsr-3528	152	13	0.046	0.046	NUM
fsr-3528	152	14	)	)	PUNCT
fsr-3528	152	15	*	*	PUNCT
fsr-3528	152	16	*	*	PUNCT
fsr-3528	152	17	0.5280	0.5280	NUM
fsr-3528	152	18	(	(	PUNCT
fsr-3528	152	19	0.065	0.065	NUM
fsr-3528	152	20	)	)	PUNCT
fsr-3528	152	21	*	*	PUNCT
fsr-3528	152	22	invattcat	invattcat	PROPN
fsr-3528	152	23	0.38895	0.38895	NUM
fsr-3528	152	24	(	(	PUNCT
fsr-3528	152	25	0.001	0.001	NUM
fsr-3528	152	26	)	)	PUNCT
fsr-3528	152	27	*	*	PUNCT
fsr-3528	153	1	*	*	PUNCT
fsr-3528	153	2	*	*	PUNCT
fsr-3528	153	3	0.4035	0.4035	NUM
fsr-3528	153	4	(	(	PUNCT
fsr-3528	153	5	0.001	0.001	NUM
fsr-3528	153	6	)	)	PUNCT
fsr-3528	153	7	*	*	PUNCT
fsr-3528	154	1	*	*	PUNCT
fsr-3528	154	2	*	*	PUNCT
fsr-3528	154	3	accountsheldcat	accountsheldcat	NOUN
fsr-3528	154	4	0.5908	0.5908	NUM
fsr-3528	154	5	(	(	PUNCT
fsr-3528	154	6	0.018	0.018	NUM
fsr-3528	154	7	)	)	PUNCT
fsr-3528	154	8	*	*	PUNCT
fsr-3528	154	9	*	*	PUNCT
fsr-3528	154	10	0.1663	0.1663	NUM
fsr-3528	154	11	(	(	PUNCT
fsr-3528	154	12	0.066	0.066	NUM
fsr-3528	154	13	)	)	PUNCT
fsr-3528	154	14	*	*	PUNCT
fsr-3528	154	15	gpacategory	gpacategory	NOUN
fsr-3528	154	16	0.1034	0.1034	NUM
fsr-3528	154	17	(	(	PUNCT
fsr-3528	154	18	0.445	0.445	NUM
fsr-3528	154	19	)	)	PUNCT
fsr-3528	154	20	0.2002	0.2002	NUM
fsr-3528	154	21	(	(	PUNCT
fsr-3528	154	22	0.177	0.177	NUM
fsr-3528	154	23	)	)	PUNCT
fsr-3528	154	24	0.1584	0.1584	NUM
fsr-3528	154	25	(	(	PUNCT
fsr-3528	154	26	0.245	0.245	NUM
fsr-3528	154	27	)	)	PUNCT
fsr-3528	154	28	gendercat	gendercat	NOUN
fsr-3528	154	29	!	!	PUNCT
fsr-3528	155	1	1.3034	1.3034	NUM
fsr-3528	155	2	(	(	PUNCT
fsr-3528	155	3	0.000	0.000	NUM
fsr-3528	155	4	)	)	PUNCT
fsr-3528	155	5	*	*	PUNCT
fsr-3528	156	1	*	*	PUNCT
fsr-3528	156	2	*	*	PUNCT
fsr-3528	156	3	!	!	PUNCT
fsr-3528	157	1	1.2695	1.2695	NUM
fsr-3528	157	2	(	(	PUNCT
fsr-3528	157	3	0.000	0.000	NUM
fsr-3528	157	4	)	)	PUNCT
fsr-3528	157	5	*	*	PUNCT
fsr-3528	158	1	*	*	PUNCT
fsr-3528	158	2	*	*	PUNCT
fsr-3528	158	3	!	!	PUNCT
fsr-3528	159	1	0.4546	0.4546	NUM
fsr-3528	159	2	(	(	PUNCT
fsr-3528	159	3	0.066	0.066	NUM
fsr-3528	159	4	)	)	PUNCT
fsr-3528	159	5	*	*	PUNCT
fsr-3528	159	6	agecat	agecat	NOUN
fsr-3528	159	7	0.27856	0.27856	NUM
fsr-3528	159	8	(	(	PUNCT
fsr-3528	159	9	0.122	0.122	NUM
fsr-3528	159	10	)	)	PUNCT
fsr-3528	159	11	0.1634	0.1634	NUM
fsr-3528	159	12	(	(	PUNCT
fsr-3528	159	13	0.386	0.386	NUM
fsr-3528	159	14	)	)	PUNCT
fsr-3528	159	15	0.0665	0.0665	NUM
fsr-3528	159	16	(	(	PUNCT
fsr-3528	159	17	0.708	0.708	NUM
fsr-3528	159	18	)	)	PUNCT
fsr-3528	159	19	hhincomecat	hhincomecat	NOUN
fsr-3528	159	20	0.03264	0.03264	NUM
fsr-3528	159	21	(	(	PUNCT
fsr-3528	159	22	0.669	0.669	NUM
fsr-3528	159	23	)	)	PUNCT
fsr-3528	159	24	0.01323	0.01323	NUM
fsr-3528	159	25	(	(	PUNCT
fsr-3528	159	26	0.861	0.861	NUM
fsr-3528	159	27	)	)	PUNCT
fsr-3528	159	28	!	!	PUNCT
fsr-3528	160	1	0.0518	0.0518	NUM
fsr-3528	160	2	(	(	PUNCT
fsr-3528	160	3	0.473	0.473	NUM
fsr-3528	160	4	)	)	PUNCT
fsr-3528	160	5	debtcat	debtcat	NOUN
fsr-3528	160	6	0.2304	0.2304	NUM
fsr-3528	160	7	(	(	PUNCT
fsr-3528	160	8	0.014	0.014	NUM
fsr-3528	160	9	)	)	PUNCT
fsr-3528	160	10	*	*	PUNCT
fsr-3528	161	1	*	*	PUNCT
fsr-3528	161	2	0.1032	0.1032	NUM
fsr-3528	161	3	(	(	PUNCT
fsr-3528	161	4	0.236	0.236	NUM
fsr-3528	161	5	)	)	PUNCT
fsr-3528	161	6	savingscat	savingscat	NOUN
fsr-3528	161	7	0.1617	0.1617	NUM
fsr-3528	161	8	(	(	PUNCT
fsr-3528	161	9	0.580	0.580	NUM
fsr-3528	161	10	)	)	PUNCT
fsr-3528	161	11	!	!	PUNCT
fsr-3528	162	1	0.1728	0.1728	NUM
fsr-3528	162	2	(	(	PUNCT
fsr-3528	162	3	0.535	0.535	NUM
fsr-3528	162	4	)	)	PUNCT
fsr-3528	162	5	constant	constant	ADJ
fsr-3528	162	6	7.7455	7.7455	NUM
fsr-3528	162	7	(	(	PUNCT
fsr-3528	162	8	0.000	0.000	NUM
fsr-3528	162	9	)	)	PUNCT
fsr-3528	162	10	*	*	PUNCT
fsr-3528	163	1	*	*	PUNCT
fsr-3528	163	2	*	*	PUNCT
fsr-3528	163	3	6.9372	6.9372	NUM
fsr-3528	163	4	(	(	PUNCT
fsr-3528	163	5	0.000	0.000	NUM
fsr-3528	163	6	)	)	PUNCT
fsr-3528	163	7	*	*	PUNCT
fsr-3528	164	1	*	*	PUNCT
fsr-3528	164	2	*	*	PUNCT
fsr-3528	164	3	4.7929	4.7929	NUM
fsr-3528	164	4	(	(	PUNCT
fsr-3528	164	5	0.000	0.000	NUM
fsr-3528	164	6	)	)	PUNCT
fsr-3528	164	7	*	*	PUNCT
fsr-3528	165	1	*	*	PUNCT
fsr-3528	165	2	*	*	X
fsr-3528	165	3	4.6703	4.6703	NUM
fsr-3528	165	4	(	(	PUNCT
fsr-3528	165	5	0.000	0.000	NUM
fsr-3528	165	6	)	)	PUNCT
fsr-3528	165	7	*	*	PUNCT
fsr-3528	165	8	*	*	PUNCT
fsr-3528	165	9	*	*	PUNCT
fsr-3528	165	10	model	model	NOUN
fsr-3528	165	11	p	p	NOUN
fsr-3528	165	12	-	-	PUNCT
fsr-3528	165	13	value	value	NOUN
fsr-3528	165	14	.0000	.0000	NOUN
fsr-3528	165	15	*	*	PUNCT
fsr-3528	165	16	*	*	PUNCT
fsr-3528	165	17	*	*	PUNCT
fsr-3528	165	18	.000	.000	NUM
fsr-3528	165	19	*	*	PUNCT
fsr-3528	165	20	*	*	PUNCT
fsr-3528	165	21	*	*	PUNCT
fsr-3528	165	22	.0000	.0000	PUNCT
fsr-3528	165	23	*	*	PUNCT
fsr-3528	165	24	*	*	PUNCT
fsr-3528	165	25	*	*	PUNCT
fsr-3528	165	26	.000	.000	NUM
fsr-3528	165	27	*	*	PUNCT
fsr-3528	165	28	*	*	PUNCT
fsr-3528	165	29	*	*	PUNCT
fsr-3528	165	30	adj	adj	X
fsr-3528	165	31	r2	r2	PROPN
fsr-3528	165	32	0.1115	0.1115	NUM
fsr-3528	165	33	0.1345	0.1345	NUM
fsr-3528	165	34	0.2940	0.2940	NUM
fsr-3528	165	35	0.3047	0.3047	NUM
fsr-3528	165	36	n	n	NOUN
fsr-3528	165	37	261	261	NUM
fsr-3528	165	38	261	261	NUM
fsr-3528	165	39	262	262	NUM
fsr-3528	165	40	261	261	NUM
fsr-3528	165	41	note	note	NOUN
fsr-3528	165	42	.	.	PUNCT
fsr-3528	166	1	models	model	NOUN
fsr-3528	166	2	1–4	1–4	PROPN
fsr-3528	166	3	have	have	VERB
fsr-3528	166	4	the	the	DET
fsr-3528	166	5	following	follow	VERB
fsr-3528	166	6	dependent	dependent	ADJ
fsr-3528	166	7	variables	variable	NOUN
fsr-3528	166	8	:	:	PUNCT
fsr-3528	166	9	protectmoneycat	protectmoneycat	NOUN
fsr-3528	166	10	,	,	PUNCT
fsr-3528	166	11	1kinvestcat	1kinvestcat	NUM
fsr-3528	166	12	,	,	PUNCT
fsr-3528	166	13	stockmarketdowncat	stockmarketdowncat	ADJ
fsr-3528	166	14	,	,	PUNCT
fsr-3528	166	15	and	and	CCONJ
fsr-3528	166	16	aggriskscore	aggriskscore	NOUN
fsr-3528	166	17	.	.	PUNCT
fsr-3528	167	1	see	see	VERB
fsr-3528	167	2	table	table	NOUN
fsr-3528	167	3	1	1	NUM
fsr-3528	167	4	for	for	ADP
fsr-3528	167	5	variable	variable	ADJ
fsr-3528	167	6	definitions	definition	NOUN
fsr-3528	167	7	.	.	PUNCT
fsr-3528	168	1	*	*	PUNCT
fsr-3528	169	1	*	*	PUNCT
fsr-3528	169	2	*	*	PUNCT
fsr-3528	169	3	significant	significant	ADJ
fsr-3528	169	4	at	at	ADP
fsr-3528	169	5	1	1	NUM
fsr-3528	169	6	%	%	NOUN
fsr-3528	169	7	,	,	PUNCT
fsr-3528	169	8	*	*	PUNCT
fsr-3528	169	9	*	*	PUNCT
fsr-3528	169	10	significant	significant	ADJ
fsr-3528	169	11	at	at	ADP
fsr-3528	169	12	5	5	NUM
fsr-3528	169	13	%	%	NOUN
fsr-3528	169	14	,	,	PUNCT
fsr-3528	169	15	*	*	PUNCT
fsr-3528	169	16	significant	significant	ADJ
fsr-3528	169	17	at	at	ADP
fsr-3528	169	18	10	10	NUM
fsr-3528	169	19	%	%	NOUN
fsr-3528	169	20	.	.	PUNCT
fsr-3528	170	1	k.	k.	PROPN
fsr-3528	170	2	l.	l.	PROPN
fsr-3528	170	3	beck	beck	PROPN
fsr-3528	170	4	et	et	PROPN
fsr-3528	170	5	al	al	PROPN
fsr-3528	170	6	.	.	PUNCT
fsr-3528	170	7	/	/	SYM
fsr-3528	170	8	financial	financial	ADJ
fsr-3528	170	9	services	service	NOUN
fsr-3528	170	10	review	review	VERB
fsr-3528	170	11	31	31	NUM
fsr-3528	170	12	(	(	PUNCT
fsr-3528	170	13	2023	2023	NUM
fsr-3528	170	14	)	)	PUNCT
fsr-3528	170	15	97–106	97–106	NUM
fsr-3528	170	16	103	103	NUM
fsr-3528	170	17	courses	course	NOUN
fsr-3528	170	18	to	to	PART
fsr-3528	170	19	match	match	VERB
fsr-3528	170	20	the	the	DET
fsr-3528	170	21	reality	reality	NOUN
fsr-3528	170	22	of	of	ADP
fsr-3528	170	23	the	the	DET
fsr-3528	170	24	modern	modern	ADJ
fsr-3528	170	25	investment	investment	NOUN
fsr-3528	170	26	landscape	landscape	NOUN
fsr-3528	170	27	.	.	PUNCT
fsr-3528	171	1	many	many	ADJ
fsr-3528	171	2	students	student	NOUN
fsr-3528	171	3	are	be	AUX
fsr-3528	171	4	already	already	ADV
fsr-3528	171	5	holding	hold	VERB
fsr-3528	171	6	assets	asset	NOUN
fsr-3528	171	7	that	that	PRON
fsr-3528	171	8	are	be	AUX
fsr-3528	171	9	traditionally	traditionally	ADV
fsr-3528	171	10	perceived	perceive	VERB
fsr-3528	171	11	as	as	ADP
fsr-3528	171	12	risky	risky	ADJ
fsr-3528	171	13	.	.	PUNCT
fsr-3528	172	1	creating	create	VERB
fsr-3528	172	2	a	a	DET
fsr-3528	172	3	better	well	ADJ
fsr-3528	172	4	understating	understating	NOUN
fsr-3528	172	5	of	of	ADP
fsr-3528	172	6	risk	risk	NOUN
fsr-3528	172	7	tolerance	tolerance	NOUN
fsr-3528	172	8	,	,	PUNCT
fsr-3528	172	9	how	how	SCONJ
fsr-3528	172	10	modern	modern	ADJ
fsr-3528	172	11	investments	investment	NOUN
fsr-3528	172	12	relate	relate	VERB
fsr-3528	172	13	to	to	ADP
fsr-3528	172	14	risk	risk	NOUN
fsr-3528	172	15	,	,	PUNCT
fsr-3528	172	16	and	and	CCONJ
fsr-3528	172	17	the	the	DET
fsr-3528	172	18	potential	potential	ADJ
fsr-3528	172	19	downfalls	downfall	NOUN
fsr-3528	172	20	would	would	AUX
fsr-3528	172	21	be	be	AUX
fsr-3528	172	22	valuable	valuable	ADJ
fsr-3528	172	23	to	to	ADP
fsr-3528	172	24	college	college	NOUN
fsr-3528	172	25	finance	finance	NOUN
fsr-3528	172	26	students	student	NOUN
fsr-3528	172	27	as	as	ADV
fsr-3528	172	28	well	well	ADV
fsr-3528	172	29	as	as	ADP
fsr-3528	172	30	young	young	ADJ
fsr-3528	172	31	investment	investment	NOUN
fsr-3528	172	32	clients	client	NOUN
fsr-3528	172	33	.	.	PUNCT
fsr-3528	173	1	in	in	ADP
fsr-3528	173	2	addition	addition	NOUN
fsr-3528	173	3	to	to	ADP
fsr-3528	173	4	new	new	ADJ
fsr-3528	173	5	generations	generation	NOUN
fsr-3528	173	6	of	of	ADP
fsr-3528	173	7	investors	investor	NOUN
fsr-3528	173	8	,	,	PUNCT
fsr-3528	173	9	trading	trading	NOUN
fsr-3528	173	10	platforms	platform	NOUN
fsr-3528	173	11	or	or	CCONJ
fsr-3528	173	12	channels	channel	NOUN
fsr-3528	173	13	of	of	ADP
fsr-3528	173	14	financial	financial	ADJ
fsr-3528	173	15	advisement	advisement	NOUN
fsr-3528	173	16	have	have	AUX
fsr-3528	173	17	changed	change	VERB
fsr-3528	173	18	and	and	CCONJ
fsr-3528	173	19	raised	raise	VERB
fsr-3528	173	20	high	high	ADJ
fsr-3528	173	21	attention	attention	NOUN
fsr-3528	173	22	from	from	ADP
fsr-3528	173	23	media	medium	NOUN
fsr-3528	173	24	and	and	CCONJ
fsr-3528	173	25	clients	client	NOUN
fsr-3528	173	26	.	.	PUNCT
fsr-3528	174	1	large	large	ADJ
fsr-3528	174	2	financial	financial	ADJ
fsr-3528	174	3	institutions	institution	NOUN
fsr-3528	174	4	such	such	ADJ
fsr-3528	174	5	as	as	ADP
fsr-3528	174	6	fidelity	fidelity	NOUN
fsr-3528	174	7	and	and	CCONJ
fsr-3528	174	8	vanguard	vanguard	NOUN
fsr-3528	174	9	initiated	initiate	VERB
fsr-3528	174	10	roboadvisor	roboadvisor	NOUN
fsr-3528	174	11	to	to	PART
fsr-3528	174	12	provide	provide	VERB
fsr-3528	174	13	automated	automate	VERB
fsr-3528	174	14	and	and	CCONJ
fsr-3528	174	15	algorithm	algorithm	NOUN
fsr-3528	174	16	-	-	PUNCT
fsr-3528	174	17	driven	drive	VERB
fsr-3528	174	18	investment	investment	NOUN
fsr-3528	174	19	services	service	NOUN
fsr-3528	174	20	and	and	CCONJ
fsr-3528	174	21	advise	advise	VERB
fsr-3528	174	22	.	.	PUNCT
fsr-3528	175	1	with	with	ADP
fsr-3528	175	2	minimum	minimum	ADJ
fsr-3528	175	3	human	human	ADJ
fsr-3528	175	4	supervision	supervision	NOUN
fsr-3528	175	5	,	,	PUNCT
fsr-3528	175	6	roboadvisor	roboadvisor	NOUN
fsr-3528	175	7	helps	help	VERB
fsr-3528	175	8	to	to	PART
fsr-3528	175	9	save	save	VERB
fsr-3528	175	10	cost	cost	NOUN
fsr-3528	175	11	and	and	CCONJ
fsr-3528	175	12	keep	keep	VERB
fsr-3528	175	13	account	account	NOUN
fsr-3528	175	14	minimum	minimum	ADJ
fsr-3528	175	15	low	low	NOUN
fsr-3528	175	16	.	.	PUNCT
fsr-3528	176	1	with	with	ADP
fsr-3528	176	2	the	the	DET
fsr-3528	176	3	rise	rise	NOUN
fsr-3528	176	4	of	of	ADP
fsr-3528	176	5	roboadvising	roboadvise	VERB
fsr-3528	176	6	services	service	NOUN
fsr-3528	176	7	,	,	PUNCT
fsr-3528	176	8	it	it	PRON
fsr-3528	176	9	is	be	AUX
fsr-3528	176	10	especially	especially	ADV
fsr-3528	176	11	crucial	crucial	ADJ
fsr-3528	176	12	to	to	PART
fsr-3528	176	13	create	create	VERB
fsr-3528	176	14	a	a	DET
fsr-3528	176	15	survey	survey	NOUN
fsr-3528	176	16	that	that	PRON
fsr-3528	176	17	could	could	AUX
fsr-3528	176	18	accurately	accurately	ADV
fsr-3528	176	19	capture	capture	VERB
fsr-3528	176	20	true	true	ADJ
fsr-3528	176	21	investor	investor	NOUN
fsr-3528	176	22	risk	risk	NOUN
fsr-3528	176	23	preference	preference	NOUN
fsr-3528	176	24	.	.	PUNCT
fsr-3528	177	1	based	base	VERB
fsr-3528	177	2	on	on	ADP
fsr-3528	177	3	this	this	DET
fsr-3528	177	4	study	study	NOUN
fsr-3528	177	5	,	,	PUNCT
fsr-3528	177	6	financial	financial	ADJ
fsr-3528	177	7	institutions	institution	NOUN
fsr-3528	177	8	could	could	AUX
fsr-3528	177	9	consider	consider	VERB
fsr-3528	177	10	practical	practical	ADJ
fsr-3528	177	11	variables	variable	NOUN
fsr-3528	177	12	such	such	ADJ
fsr-3528	177	13	as	as	ADP
fsr-3528	177	14	ownership	ownership	NOUN
fsr-3528	177	15	of	of	ADP
fsr-3528	177	16	investment	investment	NOUN
fsr-3528	177	17	accounts	account	NOUN
fsr-3528	177	18	instead	instead	ADV
fsr-3528	177	19	of	of	ADP
fsr-3528	177	20	testing	test	VERB
fsr-3528	177	21	clients	client	NOUN
fsr-3528	177	22	finance	finance	VERB
fsr-3528	177	23	course	course	NOUN
fsr-3528	177	24	knowledge	knowledge	NOUN
fsr-3528	177	25	when	when	SCONJ
fsr-3528	177	26	assessing	assess	VERB
fsr-3528	177	27	risk	risk	NOUN
fsr-3528	177	28	.	.	PUNCT
fsr-3528	178	1	in	in	ADP
fsr-3528	178	2	addition	addition	NOUN
fsr-3528	178	3	,	,	PUNCT
fsr-3528	178	4	providing	provide	VERB
fsr-3528	178	5	clients	client	NOUN
fsr-3528	178	6	with	with	ADP
fsr-3528	178	7	finance	finance	NOUN
fsr-3528	178	8	simulation	simulation	NOUN
fsr-3528	178	9	courses	course	NOUN
fsr-3528	178	10	or	or	CCONJ
fsr-3528	178	11	games	game	NOUN
fsr-3528	178	12	to	to	PART
fsr-3528	178	13	create	create	VERB
fsr-3528	178	14	exposure	exposure	NOUN
fsr-3528	178	15	to	to	ADP
fsr-3528	178	16	investments	investment	NOUN
fsr-3528	178	17	will	will	AUX
fsr-3528	178	18	help	help	VERB
fsr-3528	178	19	educate	educate	VERB
fsr-3528	178	20	concepts	concept	NOUN
fsr-3528	178	21	in	in	ADP
fsr-3528	178	22	risk	risk	NOUN
fsr-3528	178	23	assessment	assessment	NOUN
fsr-3528	178	24	.	.	PUNCT
fsr-3528	179	1	even	even	ADV
fsr-3528	179	2	in	in	ADP
fsr-3528	179	3	an	an	DET
fsr-3528	179	4	environment	environment	NOUN
fsr-3528	179	5	with	with	ADP
fsr-3528	179	6	minimum	minimum	ADJ
fsr-3528	179	7	human	human	ADJ
fsr-3528	179	8	involvement	involvement	NOUN
fsr-3528	179	9	of	of	ADP
fsr-3528	179	10	roboadvising	roboadvise	VERB
fsr-3528	179	11	,	,	PUNCT
fsr-3528	179	12	clients	client	NOUN
fsr-3528	179	13	will	will	AUX
fsr-3528	179	14	be	be	AUX
fsr-3528	179	15	able	able	ADJ
fsr-3528	179	16	to	to	PART
fsr-3528	179	17	increase	increase	VERB
fsr-3528	179	18	their	their	PRON
fsr-3528	179	19	financial	financial	ADJ
fsr-3528	179	20	literacy	literacy	NOUN
fsr-3528	179	21	through	through	ADP
fsr-3528	179	22	practical	practical	ADJ
fsr-3528	179	23	courses	course	NOUN
fsr-3528	179	24	and	and	CCONJ
fsr-3528	179	25	have	have	VERB
fsr-3528	179	26	a	a	DET
fsr-3528	179	27	better	well	ADJ
fsr-3528	179	28	understanding	understanding	NOUN
fsr-3528	179	29	in	in	ADP
fsr-3528	179	30	their	their	PRON
fsr-3528	179	31	own	own	ADJ
fsr-3528	179	32	risk	risk	NOUN
fsr-3528	179	33	tolerance	tolerance	NOUN
fsr-3528	179	34	.	.	PUNCT
fsr-3528	180	1	notes	note	VERB
fsr-3528	180	2	1	1	NUM
fsr-3528	180	3	traditional	traditional	ADJ
fsr-3528	180	4	risk	risk	NOUN
fsr-3528	180	5	tolerance	tolerance	NOUN
fsr-3528	180	6	questionnaires	questionnaire	NOUN
fsr-3528	180	7	do	do	AUX
fsr-3528	180	8	not	not	PART
fsr-3528	180	9	assess	assess	VERB
fsr-3528	180	10	risk	risk	NOUN
fsr-3528	180	11	well	well	ADV
fsr-3528	180	12	for	for	ADP
fsr-3528	180	13	younger	young	ADJ
fsr-3528	180	14	individuals	individual	NOUN
fsr-3528	180	15	.	.	PUNCT
fsr-3528	181	1	2	2	NUM
fsr-3528	181	2	the	the	DET
fsr-3528	181	3	drivers	driver	NOUN
fsr-3528	181	4	of	of	ADP
fsr-3528	181	5	risk	risk	NOUN
fsr-3528	181	6	tolerance	tolerance	NOUN
fsr-3528	181	7	for	for	ADP
fsr-3528	181	8	gen	gen	PROPN
fsr-3528	181	9	z	z	NOUN
fsr-3528	181	10	are	be	AUX
fsr-3528	181	11	willingness	willingness	NOUN
fsr-3528	181	12	to	to	PART
fsr-3528	181	13	take	take	VERB
fsr-3528	181	14	risks	risk	NOUN
fsr-3528	181	15	,	,	PUNCT
fsr-3528	181	16	self	self	NOUN
fsr-3528	181	17	-	-	PUNCT
fsr-3528	181	18	reported	report	VERB
fsr-3528	181	19	investment	investment	NOUN
fsr-3528	181	20	risk	risk	NOUN
fsr-3528	181	21	tolerance	tolerance	NOUN
fsr-3528	181	22	,	,	PUNCT
fsr-3528	181	23	and	and	CCONJ
fsr-3528	181	24	ownership	ownership	NOUN
fsr-3528	181	25	of	of	ADP
fsr-3528	181	26	investment	investment	NOUN
fsr-3528	181	27	accounts	account	NOUN
fsr-3528	181	28	.	.	PUNCT
fsr-3528	182	1	3	3	NUM
fsr-3528	182	2	academia	academia	NOUN
fsr-3528	182	3	needs	need	VERB
fsr-3528	182	4	to	to	PART
fsr-3528	182	5	update	update	VERB
fsr-3528	182	6	how	how	SCONJ
fsr-3528	182	7	risk	risk	NOUN
fsr-3528	182	8	is	be	AUX
fsr-3528	182	9	assessed	assess	VERB
fsr-3528	182	10	in	in	ADP
fsr-3528	182	11	finance	finance	NOUN
fsr-3528	182	12	,	,	PUNCT
fsr-3528	182	13	investment	investment	NOUN
fsr-3528	182	14	,	,	PUNCT
fsr-3528	182	15	and	and	CCONJ
fsr-3528	182	16	personal	personal	ADJ
fsr-3528	182	17	finance	finance	NOUN
fsr-3528	182	18	courses	course	NOUN
fsr-3528	182	19	to	to	PART
fsr-3528	182	20	match	match	VERB
fsr-3528	182	21	the	the	DET
fsr-3528	182	22	reality	reality	NOUN
fsr-3528	182	23	of	of	ADP
fsr-3528	182	24	the	the	DET
fsr-3528	182	25	modern	modern	ADJ
fsr-3528	182	26	investment	investment	NOUN
fsr-3528	182	27	landscape	landscape	NOUN
fsr-3528	182	28	.	.	PUNCT
fsr-3528	183	1	many	many	ADJ
fsr-3528	183	2	students	student	NOUN
fsr-3528	183	3	are	be	AUX
fsr-3528	183	4	already	already	ADV
fsr-3528	183	5	holding	hold	VERB
fsr-3528	183	6	assets	asset	NOUN
fsr-3528	183	7	that	that	PRON
fsr-3528	183	8	are	be	AUX
fsr-3528	183	9	traditionally	traditionally	ADV
fsr-3528	183	10	perceived	perceive	VERB
fsr-3528	183	11	as	as	ADP
fsr-3528	183	12	risky	risky	ADJ
fsr-3528	183	13	.	.	PUNCT
fsr-3528	184	1	4	4	NUM
fsr-3528	184	2	trillion	trillion	NUM
fsr-3528	184	3	:	:	PUNCT
fsr-3528	184	4	https://www.mckinsey.com/industries/financial-services/our-insights/	https://www.mckinsey.com/industries/financial-services/our-insights/	NOUN
fsr-3528	184	5	on	on	ADP
fsr-3528	184	6	-	-	PUNCT
fsr-3528	184	7	the	the	DET
fsr-3528	184	8	-	-	PUNCT
fsr-3528	184	9	cusp	cusp	NOUN
fsr-3528	184	10	-	-	PUNCT
fsr-3528	184	11	of	of	ADP
fsr-3528	184	12	-	-	PUNCT
fsr-3528	184	13	change	change	NOUN
fsr-3528	184	14	-	-	PUNCT
fsr-3528	184	15	north	north	NOUN
fsr-3528	184	16	-	-	PUNCT
fsr-3528	184	17	american	american	ADJ
fsr-3528	184	18	-	-	PUNCT
fsr-3528	184	19	wealth	wealth	NOUN
fsr-3528	184	20	-	-	PUNCT
fsr-3528	184	21	management	management	NOUN
fsr-3528	184	22	-	-	PUNCT
fsr-3528	184	23	in-2030	in-2030	NOUN
fsr-3528	184	24	5	5	NUM
fsr-3528	184	25	https://www.investopedia.com/study-affluent-millennials-are-warming-up-to-robo-advisors4770577	https://www.investopedia.com/study-affluent-millennials-are-warming-up-to-robo-advisors4770577	NOUN
fsr-3528	184	26	.	.	PUNCT
fsr-3528	185	1	6	6	NUM
fsr-3528	185	2	according	accord	VERB
fsr-3528	185	3	to	to	ADP
fsr-3528	185	4	pew	pew	NOUN
fsr-3528	185	5	research	research	NOUN
fsr-3528	185	6	center	center	NOUN
fsr-3528	185	7	,	,	PUNCT
fsr-3528	185	8	41	41	NUM
fsr-3528	185	9	%	%	NOUN
fsr-3528	185	10	of	of	ADP
fsr-3528	185	11	men	man	NOUN
fsr-3528	185	12	aged	age	VERB
fsr-3528	185	13	18	18	NUM
fsr-3528	185	14	-	-	SYM
fsr-3528	185	15	29	29	NUM
fsr-3528	185	16	have	have	AUX
fsr-3528	185	17	invested	invest	VERB
fsr-3528	185	18	in	in	ADP
fsr-3528	185	19	cryptocurrency	cryptocurrency	NOUN
fsr-3528	185	20	as	as	ADP
fsr-3528	185	21	of	of	ADP
fsr-3528	185	22	2022	2022	NUM
fsr-3528	185	23	:	:	PUNCT
fsr-3528	185	24	https://www.pewresearch.org/short-reads/2023/04/10/majority-ofamericans-arent-confident-in-the-safety-and-reliability-of-cryptocurrency/#:;:text¼overall	https://www.pewresearch.org/short-reads/2023/04/10/majority-ofamericans-arent-confident-in-the-safety-and-reliability-of-cryptocurrency/#:;:text¼overall	PROPN
fsr-3528	185	25	%	%	NOUN
fsr-3528	185	26	2c%2017%25%20of%20u.s.%20adults	2c%2017%25%20of%20u.s.%20adult	NOUN
fsr-3528	185	27	,	,	PUNCT
fsr-3528	185	28	and%20women%20of%20any%20age	and%20women%20of%20any%20age	ADJ
fsr-3528	185	29	.	.	PUNCT
fsr-3528	186	1	7	7	NUM
fsr-3528	186	2	see	see	VERB
fsr-3528	186	3	sung	sung	NOUN
fsr-3528	186	4	and	and	CCONJ
fsr-3528	186	5	hanna	hanna	PROPN
fsr-3528	186	6	(	(	PUNCT
fsr-3528	186	7	1996	1996	NUM
fsr-3528	186	8	)	)	PUNCT
fsr-3528	186	9	,	,	PUNCT
fsr-3528	186	10	grable	grable	NOUN
fsr-3528	186	11	(	(	PUNCT
fsr-3528	186	12	2000	2000	NUM
fsr-3528	186	13	)	)	PUNCT
fsr-3528	186	14	,	,	PUNCT
fsr-3528	186	15	ardehali	ardehali	VERB
fsr-3528	186	16	et	et	PROPN
fsr-3528	186	17	al	al	PROPN
fsr-3528	186	18	.	.	PROPN
fsr-3528	186	19	(	(	PUNCT
fsr-3528	186	20	2005	2005	NUM
fsr-3528	186	21	)	)	PUNCT
fsr-3528	186	22	and	and	CCONJ
fsr-3528	186	23	halek	halek	NOUN
fsr-3528	186	24	and	and	CCONJ
fsr-3528	186	25	eisenhauer	eisenhauer	NOUN
fsr-3528	186	26	(	(	PUNCT
fsr-3528	186	27	2001	2001	NUM
fsr-3528	186	28	)	)	PUNCT
fsr-3528	186	29	.	.	PUNCT
fsr-3528	187	1	finke	finke	PROPN
fsr-3528	187	2	and	and	CCONJ
fsr-3528	187	3	guillemette	guillemette	NOUN
fsr-3528	187	4	(	(	PUNCT
fsr-3528	187	5	2020	2020	NUM
fsr-3528	187	6	)	)	PUNCT
fsr-3528	187	7	provide	provide	VERB
fsr-3528	187	8	a	a	DET
fsr-3528	187	9	though	though	NOUN
fsr-3528	187	10	review	review	NOUN
fsr-3528	187	11	on	on	ADP
fsr-3528	187	12	theories	theory	NOUN
fsr-3528	187	13	and	and	CCONJ
fsr-3528	187	14	factors	factor	NOUN
fsr-3528	187	15	related	relate	VERB
fsr-3528	187	16	to	to	ADP
fsr-3528	187	17	measuring	measure	VERB
fsr-3528	187	18	risk	risk	NOUN
fsr-3528	187	19	tolerance	tolerance	NOUN
fsr-3528	187	20	.	.	PUNCT
fsr-3528	188	1	8	8	NUM
fsr-3528	188	2	a	a	DET
fsr-3528	188	3	full	full	ADJ
fsr-3528	188	4	survey	survey	NOUN
fsr-3528	188	5	is	be	AUX
fsr-3528	188	6	available	available	ADJ
fsr-3528	188	7	upon	upon	SCONJ
fsr-3528	188	8	request	request	NOUN
fsr-3528	188	9	;	;	PUNCT
fsr-3528	188	10	please	please	INTJ
fsr-3528	188	11	email	email	VERB
fsr-3528	188	12	the	the	DET
fsr-3528	188	13	authors	author	NOUN
fsr-3528	188	14	for	for	ADP
fsr-3528	188	15	a	a	DET
fsr-3528	188	16	copy	copy	NOUN
fsr-3528	188	17	.	.	PUNCT
fsr-3528	189	1	9	9	NUM
fsr-3528	189	2	the	the	DET
fsr-3528	189	3	correlation	correlation	NOUN
fsr-3528	189	4	matrix	matrix	NOUN
fsr-3528	189	5	and	and	CCONJ
fsr-3528	189	6	vif	vif	NOUN
fsr-3528	189	7	measures	measure	NOUN
fsr-3528	189	8	show	show	VERB
fsr-3528	189	9	no	no	DET
fsr-3528	189	10	significant	significant	ADJ
fsr-3528	189	11	correlation	correlation	NOUN
fsr-3528	189	12	between	between	ADP
fsr-3528	189	13	any	any	PRON
fsr-3528	189	14	of	of	ADP
fsr-3528	189	15	the	the	DET
fsr-3528	189	16	variables	variable	NOUN
fsr-3528	189	17	.	.	PUNCT
fsr-3528	190	1	104	104	NUM
fsr-3528	190	2	k.	k.	PROPN
fsr-3528	190	3	l.	l.	PROPN
fsr-3528	190	4	beck	beck	PROPN
fsr-3528	190	5	et	et	PROPN
fsr-3528	190	6	al	al	PROPN
fsr-3528	190	7	.	.	PUNCT
fsr-3528	190	8	/	/	SYM
fsr-3528	190	9	financial	financial	ADJ
fsr-3528	190	10	services	service	NOUN
fsr-3528	190	11	review	review	VERB
fsr-3528	190	12	31	31	NUM
fsr-3528	190	13	(	(	PUNCT
fsr-3528	190	14	2023	2023	NUM
fsr-3528	190	15	)	)	PUNCT
fsr-3528	190	16	97–106	97–106	NUM
fsr-3528	190	17	10	10	NUM
fsr-3528	190	18	nick	nick	PROPN
fsr-3528	190	19	murray	murray	PROPN
fsr-3528	190	20	of	of	ADP
fsr-3528	190	21	behavioral	behavioral	ADJ
fsr-3528	190	22	investment	investment	NOUN
fsr-3528	190	23	counseling	counseling	NOUN
fsr-3528	190	24	estimates	estimate	VERB
fsr-3528	190	25	that	that	SCONJ
fsr-3528	190	26	for	for	ADP
fsr-3528	190	27	the	the	DET
fsr-3528	190	28	period	period	NOUN
fsr-3528	190	29	ending	end	VERB
fsr-3528	190	30	in	in	ADP
fsr-3528	190	31	2007	2007	NUM
fsr-3528	190	32	,	,	PUNCT
fsr-3528	190	33	the	the	DET
fsr-3528	190	34	average	average	ADJ
fsr-3528	190	35	equity	equity	NOUN
fsr-3528	190	36	fund	fund	NOUN
fsr-3528	190	37	returned	return	VERB
fsr-3528	190	38	10.81	10.81	NUM
fsr-3528	190	39	%	%	NOUN
fsr-3528	190	40	,	,	PUNCT
fsr-3528	190	41	while	while	SCONJ
fsr-3528	190	42	the	the	DET
fsr-3528	190	43	average	average	ADJ
fsr-3528	190	44	investor	investor	NOUN
fsr-3528	190	45	in	in	ADP
fsr-3528	190	46	the	the	DET
fsr-3528	190	47	same	same	ADJ
fsr-3528	190	48	fund	fund	NOUN
fsr-3528	190	49	realized	realize	VERB
fsr-3528	190	50	4.18	4.18	NUM
fsr-3528	190	51	%	%	NOUN
fsr-3528	190	52	due	due	ADJ
fsr-3528	190	53	to	to	ADP
fsr-3528	190	54	poor	poor	ADJ
fsr-3528	190	55	market	market	NOUN
fsr-3528	190	56	timing	timing	NOUN
fsr-3528	190	57	.	.	PUNCT
fsr-3528	191	1	11	11	NUM
fsr-3528	191	2	see	see	VERB
fsr-3528	191	3	,	,	PUNCT
fsr-3528	191	4	for	for	ADP
fsr-3528	191	5	example	example	NOUN
fsr-3528	191	6	,	,	PUNCT
fsr-3528	191	7	yue	yue	PROPN
fsr-3528	191	8	et	et	PROPN
fsr-3528	191	9	al	al	PROPN
fsr-3528	191	10	.	.	PROPN
fsr-3528	191	11	(	(	PUNCT
fsr-3528	191	12	2020	2020	NUM
fsr-3528	191	13	)	)	PUNCT
fsr-3528	191	14	,	,	PUNCT
fsr-3528	191	15	shachat	shachat	PRON
fsr-3528	191	16	et	et	PROPN
fsr-3528	191	17	al	al	PROPN
fsr-3528	191	18	.	.	PROPN
fsr-3528	191	19	(	(	PUNCT
fsr-3528	191	20	2020	2020	NUM
fsr-3528	191	21	)	)	PUNCT
fsr-3528	191	22	,	,	PUNCT
fsr-3528	191	23	angrisani	angrisani	INTJ
fsr-3528	191	24	et	et	PROPN
fsr-3528	191	25	al	al	PROPN
fsr-3528	191	26	.	.	PROPN
fsr-3528	192	1	(	(	PUNCT
fsr-3528	192	2	2020	2020	NUM
fsr-3528	192	3	)	)	PUNCT
fsr-3528	192	4	,	,	PUNCT
fsr-3528	192	5	heo	heo	PROPN
fsr-3528	192	6	et	et	PROPN
fsr-3528	192	7	al	al	PROPN
fsr-3528	192	8	.	.	PROPN
fsr-3528	193	1	(	(	PUNCT
fsr-3528	193	2	2020	2020	NUM
fsr-3528	193	3	)	)	PUNCT
fsr-3528	193	4	,	,	PUNCT
fsr-3528	193	5	and	and	CCONJ
fsr-3528	193	6	iqbal	iqbal	PROPN
fsr-3528	193	7	and	and	CCONJ
fsr-3528	193	8	li	li	PROPN
fsr-3528	193	9	(	(	PUNCT
fsr-3528	193	10	2022	2022	NUM
fsr-3528	193	11	)	)	PUNCT
fsr-3528	193	12	.	.	PUNCT
fsr-3528	194	1	references	reference	NOUN
fsr-3528	194	2	angrisani	angrisani	VERB
fsr-3528	194	3	,	,	PUNCT
fsr-3528	194	4	m.	m.	NOUN
fsr-3528	194	5	,	,	PUNCT
fsr-3528	194	6	cipriani	cipriani	PROPN
fsr-3528	194	7	,	,	PUNCT
fsr-3528	194	8	m.	m.	NOUN
fsr-3528	194	9	,	,	PUNCT
fsr-3528	194	10	guarino	guarino	PROPN
fsr-3528	194	11	,	,	PUNCT
fsr-3528	194	12	a.	a.	PROPN
fsr-3528	194	13	,	,	PUNCT
fsr-3528	194	14	kendall	kendall	PROPN
fsr-3528	194	15	,	,	PUNCT
fsr-3528	194	16	r.	r.	PROPN
fsr-3528	194	17	,	,	PUNCT
fsr-3528	194	18	&	&	CCONJ
fsr-3528	194	19	ortiz	ortiz	PROPN
fsr-3528	194	20	de	de	PROPN
fsr-3528	194	21	zarate	zarate	PROPN
fsr-3528	194	22	,	,	PUNCT
fsr-3528	194	23	j.	j.	PROPN
fsr-3528	194	24	(	(	PUNCT
fsr-3528	194	25	2020	2020	NUM
fsr-3528	194	26	)	)	PUNCT
fsr-3528	194	27	.	.	PUNCT
fsr-3528	195	1	risk	risk	NOUN
fsr-3528	195	2	preferences	preference	NOUN
fsr-3528	195	3	at	at	ADP
fsr-3528	195	4	the	the	DET
fsr-3528	195	5	time	time	NOUN
fsr-3528	195	6	of	of	ADP
fsr-3528	195	7	covid-19	covid-19	PROPN
fsr-3528	195	8	:	:	PUNCT
fsr-3528	195	9	an	an	DET
fsr-3528	195	10	experiment	experiment	NOUN
fsr-3528	195	11	with	with	ADP
fsr-3528	195	12	professional	professional	ADJ
fsr-3528	195	13	traders	trader	NOUN
fsr-3528	195	14	and	and	CCONJ
fsr-3528	195	15	students	student	NOUN
fsr-3528	195	16	.	.	PUNCT
fsr-3528	196	1	frb	frb	NOUN
fsr-3528	196	2	of	of	ADP
fsr-3528	196	3	new	new	PROPN
fsr-3528	196	4	york	york	PROPN
fsr-3528	196	5	staff	staff	PROPN
fsr-3528	196	6	report	report	NOUN
fsr-3528	196	7	,	,	PUNCT
fsr-3528	196	8	927	927	NUM
fsr-3528	196	9	.	.	PUNCT
fsr-3528	196	10	ardehali	ardehali	PROPN
fsr-3528	196	11	,	,	PUNCT
fsr-3528	196	12	p.	p.	PROPN
fsr-3528	196	13	h.	h.	PROPN
fsr-3528	196	14	,	,	PUNCT
fsr-3528	196	15	paradi	paradi	PROPN
fsr-3528	196	16	,	,	PUNCT
fsr-3528	196	17	j.	j.	PROPN
fsr-3528	196	18	c.	c.	PROPN
fsr-3528	196	19	,	,	PUNCT
fsr-3528	196	20	&	&	CCONJ
fsr-3528	196	21	asmild	asmild	PROPN
fsr-3528	196	22	,	,	PUNCT
fsr-3528	196	23	m.	m.	NOUN
fsr-3528	196	24	(	(	PUNCT
fsr-3528	196	25	2005	2005	NUM
fsr-3528	196	26	)	)	PUNCT
fsr-3528	196	27	.	.	PUNCT
fsr-3528	197	1	assessing	assess	VERB
fsr-3528	197	2	financial	financial	ADJ
fsr-3528	197	3	risk	risk	NOUN
fsr-3528	197	4	tolerance	tolerance	NOUN
fsr-3528	197	5	of	of	ADP
fsr-3528	197	6	portfolio	portfolio	NOUN
fsr-3528	197	7	investors	investor	NOUN
fsr-3528	197	8	using	use	VERB
fsr-3528	197	9	data	datum	NOUN
fsr-3528	197	10	envelopment	envelopment	ADJ
fsr-3528	197	11	analysis	analysis	NOUN
fsr-3528	197	12	.	.	PUNCT
fsr-3528	198	1	international	international	ADJ
fsr-3528	198	2	journal	journal	PROPN
fsr-3528	198	3	of	of	ADP
fsr-3528	198	4	information	information	NOUN
fsr-3528	198	5	technology	technology	NOUN
fsr-3528	198	6	&	&	CCONJ
fsr-3528	198	7	decision	decision	NOUN
fsr-3528	198	8	making	making	NOUN
fsr-3528	198	9	,	,	PUNCT
fsr-3528	198	10	04	04	NUM
fsr-3528	198	11	,	,	PUNCT
fsr-3528	198	12	491	491	NUM
fsr-3528	198	13	–	–	PUNCT
fsr-3528	198	14	519	519	NUM
fsr-3528	198	15	.	.	PUNCT
fsr-3528	199	1	https://doi.org/10.1142/s0219622005001660	https://doi.org/10.1142/s0219622005001660	NUM
fsr-3528	199	2	bouchey	bouchey	NOUN
fsr-3528	199	3	,	,	PUNCT
fsr-3528	199	4	p.	p.	NOUN
fsr-3528	199	5	(	(	PUNCT
fsr-3528	199	6	2004	2004	NUM
fsr-3528	199	7	)	)	PUNCT
fsr-3528	199	8	.	.	PUNCT
fsr-3528	200	1	questionnaire	questionnaire	NOUN
fsr-3528	200	2	quest	quest	NOUN
fsr-3528	200	3	:	:	PUNCT
fsr-3528	200	4	new	new	ADJ
fsr-3528	200	5	research	research	NOUN
fsr-3528	200	6	shows	show	VERB
fsr-3528	200	7	that	that	SCONJ
fsr-3528	200	8	standard	standard	ADJ
fsr-3528	200	9	questionnaires	questionnaire	NOUN
fsr-3528	200	10	designed	design	VERB
fsr-3528	200	11	to	to	PART
fsr-3528	200	12	reveal	reveal	VERB
fsr-3528	200	13	investors	investor	NOUN
fsr-3528	200	14	’	’	PART
fsr-3528	200	15	risk	risk	NOUN
fsr-3528	200	16	tolerance	tolerance	NOUN
fsr-3528	200	17	levels	level	NOUN
fsr-3528	200	18	are	be	AUX
fsr-3528	200	19	often	often	ADV
fsr-3528	200	20	flawed	flawed	ADJ
fsr-3528	200	21	or	or	CCONJ
fsr-3528	200	22	misleading	misleading	ADJ
fsr-3528	200	23	.	.	PUNCT
fsr-3528	201	1	financial	financial	ADJ
fsr-3528	201	2	planning	planning	NOUN
fsr-3528	201	3	,	,	PUNCT
fsr-3528	201	4	1	1	NUM
fsr-3528	201	5	,	,	PUNCT
fsr-3528	201	6	97–99	97–99	NUM
fsr-3528	201	7	.	.	PUNCT
fsr-3528	202	1	finke	finke	PROPN
fsr-3528	202	2	,	,	PUNCT
fsr-3528	202	3	m.	m.	NOUN
fsr-3528	202	4	,	,	PUNCT
fsr-3528	202	5	&	&	CCONJ
fsr-3528	202	6	guillemette	guillemette	PROPN
fsr-3528	202	7	,	,	PUNCT
fsr-3528	202	8	m.	m.	NOUN
fsr-3528	202	9	(	(	PUNCT
fsr-3528	202	10	2020	2020	NUM
fsr-3528	202	11	)	)	PUNCT
fsr-3528	202	12	.	.	PUNCT
fsr-3528	203	1	measuring	measure	VERB
fsr-3528	203	2	risk	risk	NOUN
fsr-3528	203	3	tolerance	tolerance	NOUN
fsr-3528	203	4	:	:	PUNCT
fsr-3528	203	5	a	a	DET
fsr-3528	203	6	review	review	NOUN
fsr-3528	203	7	of	of	ADP
fsr-3528	203	8	literature	literature	NOUN
fsr-3528	203	9	.	.	PUNCT
fsr-3528	204	1	journal	journal	PROPN
fsr-3528	204	2	of	of	ADP
fsr-3528	204	3	personal	personal	ADJ
fsr-3528	204	4	finance	finance	NOUN
fsr-3528	204	5	,	,	PUNCT
fsr-3528	204	6	15	15	NUM
fsr-3528	204	7	,	,	PUNCT
fsr-3528	204	8	63–76	63–76	NOUN
fsr-3528	204	9	.	.	PUNCT
fsr-3528	205	1	grable	grable	PROPN
fsr-3528	205	2	,	,	PUNCT
fsr-3528	205	3	j.	j.	PROPN
fsr-3528	205	4	e.	e.	PROPN
fsr-3528	205	5	(	(	PUNCT
fsr-3528	205	6	2000	2000	NUM
fsr-3528	205	7	)	)	PUNCT
fsr-3528	205	8	.	.	PUNCT
fsr-3528	206	1	financial	financial	ADJ
fsr-3528	206	2	risk	risk	NOUN
fsr-3528	206	3	tolerance	tolerance	NOUN
fsr-3528	206	4	and	and	CCONJ
fsr-3528	206	5	additional	additional	ADJ
fsr-3528	206	6	factors	factor	NOUN
fsr-3528	206	7	that	that	PRON
fsr-3528	206	8	affect	affect	VERB
fsr-3528	206	9	risk	risk	NOUN
fsr-3528	206	10	taking	take	VERB
fsr-3528	206	11	in	in	ADP
fsr-3528	206	12	everyday	everyday	ADJ
fsr-3528	206	13	money	money	NOUN
fsr-3528	206	14	matters	matter	NOUN
fsr-3528	206	15	.	.	PUNCT
fsr-3528	207	1	journal	journal	NOUN
fsr-3528	207	2	of	of	ADP
fsr-3528	207	3	business	business	NOUN
fsr-3528	207	4	and	and	CCONJ
fsr-3528	207	5	psychology	psychology	NOUN
fsr-3528	207	6	,	,	PUNCT
fsr-3528	207	7	14	14	NUM
fsr-3528	207	8	,	,	PUNCT
fsr-3528	207	9	625–630	625–630	NUM
fsr-3528	207	10	.	.	PUNCT
fsr-3528	208	1	https://doi.org/10.1023/a:1022994314982	https://doi.org/10.1023/a:1022994314982	PROPN
fsr-3528	208	2	grable	grable	PROPN
fsr-3528	208	3	,	,	PUNCT
fsr-3528	208	4	j.	j.	PROPN
fsr-3528	208	5	e.	e.	PROPN
fsr-3528	208	6	,	,	PUNCT
fsr-3528	208	7	heo	heo	PROPN
fsr-3528	208	8	,	,	PUNCT
fsr-3528	208	9	w.	w.	PROPN
fsr-3528	208	10	,	,	PUNCT
fsr-3528	208	11	&	&	CCONJ
fsr-3528	208	12	kruger	kruger	PROPN
fsr-3528	208	13	,	,	PUNCT
fsr-3528	208	14	m.	m.	NOUN
fsr-3528	208	15	(	(	PUNCT
fsr-3528	208	16	2016	2016	NUM
fsr-3528	208	17	)	)	PUNCT
fsr-3528	208	18	.	.	PUNCT
fsr-3528	209	1	the	the	DET
fsr-3528	209	2	intertemporal	intertemporal	ADJ
fsr-3528	209	3	persistence	persistence	NOUN
fsr-3528	209	4	of	of	ADP
fsr-3528	209	5	risk	risk	NOUN
fsr-3528	209	6	tolerance	tolerance	NOUN
fsr-3528	209	7	scores	score	NOUN
fsr-3528	209	8	.	.	PUNCT
fsr-3528	210	1	journal	journal	NOUN
fsr-3528	210	2	of	of	ADP
fsr-3528	210	3	financial	financial	ADJ
fsr-3528	210	4	planning	planning	NOUN
fsr-3528	210	5	,	,	PUNCT
fsr-3528	210	6	29	29	NUM
fsr-3528	210	7	,	,	PUNCT
fsr-3528	210	8	42–51	42–51	NUM
fsr-3528	210	9	.	.	PUNCT
fsr-3528	211	1	halek	halek	PROPN
fsr-3528	211	2	,	,	PUNCT
fsr-3528	211	3	m.	m.	NOUN
fsr-3528	211	4	,	,	PUNCT
fsr-3528	211	5	&	&	CCONJ
fsr-3528	211	6	eisenhauer	eisenhauer	PROPN
fsr-3528	211	7	,	,	PUNCT
fsr-3528	211	8	j.	j.	PROPN
fsr-3528	211	9	(	(	PUNCT
fsr-3528	211	10	2001	2001	NUM
fsr-3528	211	11	)	)	PUNCT
fsr-3528	211	12	.	.	PUNCT
fsr-3528	212	1	demography	demography	NOUN
fsr-3528	212	2	of	of	ADP
fsr-3528	212	3	risk	risk	NOUN
fsr-3528	212	4	aversion	aversion	NOUN
fsr-3528	212	5	.	.	PUNCT
fsr-3528	213	1	the	the	DET
fsr-3528	213	2	journal	journal	NOUN
fsr-3528	213	3	of	of	ADP
fsr-3528	213	4	risk	risk	NOUN
fsr-3528	213	5	and	and	CCONJ
fsr-3528	213	6	insurance	insurance	NOUN
fsr-3528	213	7	,	,	PUNCT
fsr-3528	213	8	68	68	NUM
fsr-3528	213	9	,	,	PUNCT
fsr-3528	213	10	1–24	1–24	PROPN
fsr-3528	213	11	.	.	PUNCT
fsr-3528	214	1	https://doi.org/10.2307/2678130	https://doi.org/10.2307/2678130	PROPN
fsr-3528	214	2	heo	heo	PROPN
fsr-3528	214	3	,	,	PUNCT
fsr-3528	214	4	w.	w.	PROPN
fsr-3528	214	5	,	,	PUNCT
fsr-3528	214	6	grable	grable	PROPN
fsr-3528	214	7	,	,	PUNCT
fsr-3528	214	8	j.	j.	PROPN
fsr-3528	214	9	,	,	PUNCT
fsr-3528	214	10	&	&	CCONJ
fsr-3528	214	11	rabbani	rabbani	PROPN
fsr-3528	214	12	,	,	PUNCT
fsr-3528	214	13	a.	a.	NOUN
fsr-3528	214	14	(	(	PUNCT
fsr-3528	214	15	2020	2020	NUM
fsr-3528	214	16	)	)	PUNCT
fsr-3528	214	17	.	.	PUNCT
fsr-3528	215	1	a	a	DET
fsr-3528	215	2	test	test	NOUN
fsr-3528	215	3	of	of	ADP
fsr-3528	215	4	the	the	DET
fsr-3528	215	5	association	association	NOUN
fsr-3528	215	6	between	between	ADP
fsr-3528	215	7	the	the	DET
fsr-3528	215	8	initial	initial	ADJ
fsr-3528	215	9	surge	surge	NOUN
fsr-3528	215	10	in	in	ADP
fsr-3528	215	11	covid-19	covid-19	PROPN
fsr-3528	215	12	cases	case	NOUN
fsr-3528	215	13	and	and	CCONJ
fsr-3528	215	14	subsequent	subsequent	ADJ
fsr-3528	215	15	changes	change	NOUN
fsr-3528	215	16	in	in	ADP
fsr-3528	215	17	financial	financial	ADJ
fsr-3528	215	18	risk	risk	NOUN
fsr-3528	215	19	tolerance	tolerance	NOUN
fsr-3528	215	20	.	.	PUNCT
fsr-3528	216	1	review	review	NOUN
fsr-3528	216	2	of	of	ADP
fsr-3528	216	3	behavioral	behavioral	ADJ
fsr-3528	216	4	finance	finance	NOUN
fsr-3528	216	5	,	,	PUNCT
fsr-3528	216	6	13	13	NUM
fsr-3528	216	7	,	,	PUNCT
fsr-3528	216	8	3–19	3–19	NOUN
fsr-3528	216	9	.	.	PUNCT
fsr-3528	217	1	https://doi.org/	https://doi.org/	VERB
fsr-3528	217	2	10.1108	10.1108	NUM
fsr-3528	217	3	/	/	SYM
fsr-3528	217	4	rbf-06	rbf-06	NOUN
fsr-3528	217	5	-	-	ADJ
fsr-3528	217	6	2020	2020	NUM
fsr-3528	217	7	-	-	PUNCT
fsr-3528	217	8	0121	0121	NUM
fsr-3528	217	9	iqbal	iqbal	PROPN
fsr-3528	217	10	,	,	PUNCT
fsr-3528	217	11	m.	m.	NOUN
fsr-3528	217	12	,	,	PUNCT
fsr-3528	217	13	&	&	CCONJ
fsr-3528	217	14	li	li	PROPN
fsr-3528	217	15	,	,	PUNCT
fsr-3528	217	16	l.	l.	PROPN
fsr-3528	217	17	(	(	PUNCT
fsr-3528	217	18	2022	2022	NUM
fsr-3528	217	19	)	)	PUNCT
fsr-3528	217	20	.	.	PUNCT
fsr-3528	218	1	does	do	AUX
fsr-3528	218	2	covid-19	covid-19	PROPN
fsr-3528	218	3	really	really	ADV
fsr-3528	218	4	make	make	VERB
fsr-3528	218	5	people	people	NOUN
fsr-3528	218	6	risk	risk	VERB
fsr-3528	218	7	aversion	aversion	NOUN
fsr-3528	218	8	in	in	ADP
fsr-3528	218	9	investment	investment	NOUN
fsr-3528	218	10	decision	decision	NOUN
fsr-3528	218	11	-	-	PUNCT
fsr-3528	218	12	making	making	NOUN
fsr-3528	218	13	?	?	PUNCT
fsr-3528	219	1	shs	shs	NOUN
fsr-3528	219	2	web	web	NOUN
fsr-3528	219	3	of	of	ADP
fsr-3528	219	4	conferences	conference	NOUN
fsr-3528	219	5	,	,	PUNCT
fsr-3528	219	6	132	132	NUM
fsr-3528	219	7	,	,	PUNCT
fsr-3528	219	8	01021	01021	NUM
fsr-3528	219	9	.	.	PUNCT
fsr-3528	220	1	https://doi.org/10.1051/shsconf/202213201021	https://doi.org/10.1051/shsconf/202213201021	PROPN
fsr-3528	220	2	lascu	lascu	PROPN
fsr-3528	220	3	,	,	PUNCT
fsr-3528	220	4	d.-n	d.-n	PROPN
fsr-3528	220	5	.	.	PROPN
fsr-3528	220	6	,	,	PUNCT
fsr-3528	220	7	babb	babb	PROPN
fsr-3528	220	8	,	,	PUNCT
fsr-3528	220	9	h.	h.	PROPN
fsr-3528	220	10	,	,	PUNCT
fsr-3528	220	11	&	&	CCONJ
fsr-3528	220	12	phillips	phillips	PROPN
fsr-3528	220	13	,	,	PUNCT
fsr-3528	220	14	r.	r.	PROPN
fsr-3528	220	15	(	(	PUNCT
fsr-3528	220	16	1997	1997	NUM
fsr-3528	220	17	)	)	PUNCT
fsr-3528	220	18	.	.	PUNCT
fsr-3528	221	1	gender	gender	NOUN
fsr-3528	221	2	and	and	CCONJ
fsr-3528	221	3	investment	investment	NOUN
fsr-3528	221	4	:	:	PUNCT
fsr-3528	221	5	the	the	DET
fsr-3528	221	6	influence	influence	NOUN
fsr-3528	221	7	of	of	ADP
fsr-3528	221	8	gender	gender	NOUN
fsr-3528	221	9	on	on	ADP
fsr-3528	221	10	investment	investment	NOUN
fsr-3528	221	11	preferences	preference	NOUN
fsr-3528	221	12	and	and	CCONJ
fsr-3528	221	13	practices.managerial	practices.managerial	ADJ
fsr-3528	221	14	finance	finance	NOUN
fsr-3528	221	15	,	,	PUNCT
fsr-3528	221	16	23	23	NUM
fsr-3528	221	17	,	,	PUNCT
fsr-3528	221	18	69–83	69–83	NUM
fsr-3528	221	19	.	.	PUNCT
fsr-3528	221	20	https://doi.org/10.1108/eb018652	https://doi.org/10.1108/eb018652	PROPN
fsr-3528	221	21	moreschi	moreschi	PROPN
fsr-3528	221	22	,	,	PUNCT
fsr-3528	221	23	r.	r.	PROPN
fsr-3528	221	24	w.	w.	PROPN
fsr-3528	221	25	(	(	PUNCT
fsr-3528	221	26	2005	2005	NUM
fsr-3528	221	27	)	)	PUNCT
fsr-3528	221	28	.	.	PUNCT
fsr-3528	222	1	a	a	DET
fsr-3528	222	2	pressing	press	VERB
fsr-3528	222	3	issue	issue	NOUN
fsr-3528	222	4	for	for	ADP
fsr-3528	222	5	financial	financial	ADJ
fsr-3528	222	6	planning	planning	NOUN
fsr-3528	222	7	.	.	PUNCT
fsr-3528	223	1	journal	journal	NOUN
fsr-3528	223	2	of	of	ADP
fsr-3528	223	3	personal	personal	ADJ
fsr-3528	223	4	finance	finance	NOUN
fsr-3528	223	5	,	,	PUNCT
fsr-3528	223	6	4	4	NUM
fsr-3528	223	7	,	,	PUNCT
fsr-3528	223	8	43–47	43–47	NUM
fsr-3528	223	9	.	.	PUNCT
fsr-3528	223	10	olsen	olsen	PROPN
fsr-3528	223	11	,	,	PUNCT
fsr-3528	223	12	r.	r.	PROPN
fsr-3528	223	13	,	,	PUNCT
fsr-3528	223	14	&	&	CCONJ
fsr-3528	223	15	cox	cox	PROPN
fsr-3528	223	16	,	,	PUNCT
fsr-3528	223	17	c.	c.	PROPN
fsr-3528	223	18	(	(	PUNCT
fsr-3528	223	19	2001	2001	NUM
fsr-3528	223	20	)	)	PUNCT
fsr-3528	223	21	.	.	PUNCT
fsr-3528	224	1	the	the	DET
fsr-3528	224	2	influence	influence	NOUN
fsr-3528	224	3	of	of	ADP
fsr-3528	224	4	gender	gender	NOUN
fsr-3528	224	5	on	on	ADP
fsr-3528	224	6	the	the	DET
fsr-3528	224	7	perception	perception	NOUN
fsr-3528	224	8	and	and	CCONJ
fsr-3528	224	9	response	response	NOUN
fsr-3528	224	10	to	to	ADP
fsr-3528	224	11	investment	investment	NOUN
fsr-3528	224	12	risk	risk	NOUN
fsr-3528	224	13	:	:	PUNCT
fsr-3528	224	14	the	the	DET
fsr-3528	224	15	case	case	NOUN
fsr-3528	224	16	of	of	ADP
fsr-3528	224	17	professional	professional	ADJ
fsr-3528	224	18	investors	investor	NOUN
fsr-3528	224	19	.	.	PUNCT
fsr-3528	225	1	journal	journal	PROPN
fsr-3528	225	2	of	of	ADP
fsr-3528	225	3	psychology	psychology	NOUN
fsr-3528	225	4	and	and	CCONJ
fsr-3528	225	5	financial	financial	ADJ
fsr-3528	225	6	markets	market	NOUN
fsr-3528	225	7	,	,	PUNCT
fsr-3528	225	8	2	2	NUM
fsr-3528	225	9	,	,	PUNCT
fsr-3528	225	10	29–36	29–36	NUM
fsr-3528	225	11	.	.	PUNCT
fsr-3528	226	1	https://doi.org/10.1207/	https://doi.org/10.1207/	PROPN
fsr-3528	226	2	s15327760jpfm0201_3	s15327760jpfm0201_3	PRON
fsr-3528	226	3	park	park	NOUN
fsr-3528	226	4	,	,	PUNCT
fsr-3528	226	5	j.	j.	PROPN
fsr-3528	226	6	,	,	PUNCT
fsr-3528	226	7	kim	kim	PROPN
fsr-3528	226	8	,	,	PUNCT
fsr-3528	226	9	d.	d.	PROPN
fsr-3528	226	10	,	,	PUNCT
fsr-3528	226	11	&	&	CCONJ
fsr-3528	226	12	oh	oh	INTJ
fsr-3528	226	13	,	,	PUNCT
fsr-3528	226	14	s.	s.	PROPN
fsr-3528	226	15	(	(	PUNCT
fsr-3528	226	16	2020	2020	NUM
fsr-3528	226	17	)	)	PUNCT
fsr-3528	226	18	.	.	PUNCT
fsr-3528	227	1	explicit	explicit	ADJ
fsr-3528	227	2	and	and	CCONJ
fsr-3528	227	3	implicit	implicit	ADJ
fsr-3528	227	4	stock	stock	NOUN
fsr-3528	227	5	investment	investment	NOUN
fsr-3528	227	6	:	:	PUNCT
fsr-3528	227	7	differences	difference	NOUN
fsr-3528	227	8	in	in	ADP
fsr-3528	227	9	psychological	psychological	ADJ
fsr-3528	227	10	characteristics	characteristic	NOUN
fsr-3528	227	11	and	and	CCONJ
fsr-3528	227	12	risk	risk	NOUN
fsr-3528	227	13	behavior	behavior	NOUN
fsr-3528	227	14	between	between	ADP
fsr-3528	227	15	college	college	NOUN
fsr-3528	227	16	students	student	NOUN
fsr-3528	227	17	majoring	major	VERB
fsr-3528	227	18	in	in	ADP
fsr-3528	227	19	financial	financial	ADJ
fsr-3528	227	20	engineering	engineering	NOUN
fsr-3528	227	21	or	or	CCONJ
fsr-3528	227	22	business	business	NOUN
fsr-3528	227	23	.	.	PUNCT
fsr-3528	228	1	current	current	ADJ
fsr-3528	228	2	psychology	psychology	NOUN
fsr-3528	228	3	,	,	PUNCT
fsr-3528	228	4	39	39	NUM
fsr-3528	228	5	,	,	PUNCT
fsr-3528	228	6	1954–1969	1954–1969	NUM
fsr-3528	228	7	.	.	PUNCT
fsr-3528	229	1	https://doi.org/10.1007/s12144-019-00555-9	https://doi.org/10.1007/s12144-019-00555-9	NUM
fsr-3528	229	2	rabbani	rabbani	PROPN
fsr-3528	229	3	,	,	PUNCT
fsr-3528	229	4	a.	a.	NOUN
fsr-3528	229	5	g.	g.	PROPN
fsr-3528	229	6	,	,	PUNCT
fsr-3528	229	7	heo	heo	PROPN
fsr-3528	229	8	,	,	PUNCT
fsr-3528	229	9	w.	w.	PROPN
fsr-3528	229	10	,	,	PUNCT
fsr-3528	229	11	&	&	CCONJ
fsr-3528	229	12	lee	lee	PROPN
fsr-3528	229	13	,	,	PUNCT
fsr-3528	229	14	j.	j.	PROPN
fsr-3528	229	15	m.	m.	PROPN
fsr-3528	229	16	(	(	PUNCT
fsr-3528	229	17	2022	2022	NUM
fsr-3528	229	18	)	)	PUNCT
fsr-3528	229	19	.	.	PUNCT
fsr-3528	230	1	a	a	DET
fsr-3528	230	2	latent	latent	NOUN
fsr-3528	230	3	profile	profile	NOUN
fsr-3528	230	4	analysis	analysis	NOUN
fsr-3528	230	5	of	of	ADP
fsr-3528	230	6	college	college	NOUN
fsr-3528	230	7	students	student	NOUN
fsr-3528	230	8	’	'	PUNCT
fsr-3528	230	9	financial	financial	ADJ
fsr-3528	230	10	knowledge	knowledge	NOUN
fsr-3528	230	11	:	:	PUNCT
fsr-3528	230	12	the	the	DET
fsr-3528	230	13	role	role	NOUN
fsr-3528	230	14	of	of	ADP
fsr-3528	230	15	financial	financial	ADJ
fsr-3528	230	16	education	education	NOUN
fsr-3528	230	17	,	,	PUNCT
fsr-3528	230	18	financial	financial	ADJ
fsr-3528	230	19	well	well	NOUN
fsr-3528	230	20	-	-	PUNCT
fsr-3528	230	21	being	being	NOUN
fsr-3528	230	22	,	,	PUNCT
fsr-3528	230	23	and	and	CCONJ
fsr-3528	230	24	financial	financial	ADJ
fsr-3528	230	25	risk	risk	NOUN
fsr-3528	230	26	tolerance	tolerance	NOUN
fsr-3528	230	27	.	.	PUNCT
fsr-3528	231	1	journal	journal	NOUN
fsr-3528	231	2	of	of	ADP
fsr-3528	231	3	education	education	NOUN
fsr-3528	231	4	for	for	ADP
fsr-3528	231	5	business	business	NOUN
fsr-3528	231	6	,	,	PUNCT
fsr-3528	231	7	97	97	NUM
fsr-3528	231	8	,	,	PUNCT
fsr-3528	231	9	112–118	112–118	NUM
fsr-3528	231	10	.	.	PUNCT
fsr-3528	232	1	https://doi.org/10.1080/08832323.2021.1895046	https://doi.org/10.1080/08832323.2021.1895046	PROPN
fsr-3528	232	2	roszkowski	roszkowski	PROPN
fsr-3528	232	3	,	,	PUNCT
fsr-3528	232	4	m.	m.	NOUN
fsr-3528	232	5	j.	j.	PROPN
fsr-3528	232	6	,	,	PUNCT
fsr-3528	232	7	davey	davey	PROPN
fsr-3528	232	8	,	,	PUNCT
fsr-3528	232	9	g.	g.	PROPN
fsr-3528	232	10	,	,	PUNCT
fsr-3528	232	11	&	&	CCONJ
fsr-3528	232	12	grable	grable	PROPN
fsr-3528	232	13	,	,	PUNCT
fsr-3528	232	14	j.	j.	PROPN
fsr-3528	232	15	(	(	PUNCT
fsr-3528	232	16	2005	2005	NUM
fsr-3528	232	17	)	)	PUNCT
fsr-3528	232	18	.	.	PUNCT
fsr-3528	233	1	insights	insight	NOUN
fsr-3528	233	2	from	from	ADP
fsr-3528	233	3	psychology	psychology	NOUN
fsr-3528	233	4	and	and	CCONJ
fsr-3528	233	5	psychometrics	psychometric	NOUN
fsr-3528	233	6	on	on	ADP
fsr-3528	233	7	measuring	measure	VERB
fsr-3528	233	8	risk	risk	NOUN
fsr-3528	233	9	tolerance	tolerance	NOUN
fsr-3528	233	10	.	.	PUNCT
fsr-3528	234	1	journal	journal	NOUN
fsr-3528	234	2	of	of	ADP
fsr-3528	234	3	financial	financial	ADJ
fsr-3528	234	4	planning	planning	NOUN
fsr-3528	234	5	,	,	PUNCT
fsr-3528	234	6	18	18	NUM
fsr-3528	234	7	,	,	PUNCT
fsr-3528	234	8	66–77	66–77	NUM
fsr-3528	234	9	.	.	PUNCT
fsr-3528	235	1	roszkowski	roszkowski	PROPN
fsr-3528	235	2	,	,	PUNCT
fsr-3528	235	3	m.	m.	NOUN
fsr-3528	235	4	j.	j.	PROPN
fsr-3528	235	5	,	,	PUNCT
fsr-3528	235	6	&	&	CCONJ
fsr-3528	235	7	grable	grable	PROPN
fsr-3528	235	8	,	,	PUNCT
fsr-3528	235	9	j.	j.	PROPN
fsr-3528	235	10	e.	e.	PROPN
fsr-3528	235	11	(	(	PUNCT
fsr-3528	235	12	2005	2005	NUM
fsr-3528	235	13	)	)	PUNCT
fsr-3528	235	14	.	.	PUNCT
fsr-3528	236	1	estimating	estimate	VERB
fsr-3528	236	2	risk	risk	NOUN
fsr-3528	236	3	tolerance	tolerance	NOUN
fsr-3528	236	4	:	:	PUNCT
fsr-3528	236	5	the	the	DET
fsr-3528	236	6	degree	degree	NOUN
fsr-3528	236	7	of	of	ADP
fsr-3528	236	8	accuracy	accuracy	NOUN
fsr-3528	236	9	and	and	CCONJ
fsr-3528	236	10	the	the	DET
fsr-3528	236	11	paramorphic	paramorphic	ADJ
fsr-3528	236	12	representations	representation	NOUN
fsr-3528	236	13	of	of	ADP
fsr-3528	236	14	the	the	DET
fsr-3528	236	15	estimate	estimate	NOUN
fsr-3528	236	16	.	.	PUNCT
fsr-3528	237	1	journal	journal	PROPN
fsr-3528	237	2	of	of	ADP
fsr-3528	237	3	financial	financial	ADJ
fsr-3528	237	4	counseling	counseling	NOUN
fsr-3528	237	5	and	and	CCONJ
fsr-3528	237	6	planning	planning	NOUN
fsr-3528	237	7	,	,	PUNCT
fsr-3528	237	8	16	16	NUM
fsr-3528	237	9	,	,	PUNCT
fsr-3528	237	10	29–47	29–47	NUM
fsr-3528	237	11	.	.	PUNCT
fsr-3528	238	1	shachat	shachat	PROPN
fsr-3528	238	2	,	,	PUNCT
fsr-3528	238	3	j.	j.	PROPN
fsr-3528	238	4	,	,	PUNCT
fsr-3528	238	5	walker	walker	PROPN
fsr-3528	238	6	,	,	PUNCT
fsr-3528	238	7	m.	m.	PROPN
fsr-3528	238	8	j.	j.	PROPN
fsr-3528	238	9	,	,	PUNCT
fsr-3528	238	10	&	&	CCONJ
fsr-3528	238	11	wei	wei	PROPN
fsr-3528	238	12	,	,	PUNCT
fsr-3528	238	13	l.	l.	PROPN
fsr-3528	238	14	(	(	PUNCT
fsr-3528	238	15	2020	2020	NUM
fsr-3528	238	16	)	)	PUNCT
fsr-3528	238	17	.	.	PUNCT
fsr-3528	239	1	the	the	DET
fsr-3528	239	2	impact	impact	NOUN
fsr-3528	239	3	of	of	ADP
fsr-3528	239	4	the	the	DET
fsr-3528	239	5	covid-19	covid-19	PROPN
fsr-3528	239	6	pandemic	pandemic	NOUN
fsr-3528	239	7	on	on	ADP
fsr-3528	239	8	economic	economic	ADJ
fsr-3528	239	9	behaviours	behaviour	NOUN
fsr-3528	239	10	and	and	CCONJ
fsr-3528	239	11	preferences	preference	NOUN
fsr-3528	239	12	:	:	PUNCT
fsr-3528	239	13	experimental	experimental	ADJ
fsr-3528	239	14	evidence	evidence	NOUN
fsr-3528	239	15	from	from	ADP
fsr-3528	239	16	wuhan	wuhan	PROPN
fsr-3528	239	17	.	.	PUNCT
fsr-3528	240	1	esi	esi	PROPN
fsr-3528	240	2	working	working	PROPN
fsr-3528	240	3	paper	paper	NOUN
fsr-3528	240	4	,	,	PUNCT
fsr-3528	240	5	20	20	NUM
fsr-3528	240	6	.	.	PUNCT
fsr-3528	241	1	sjöberg	sjöberg	PROPN
fsr-3528	241	2	,	,	PUNCT
fsr-3528	241	3	l.	l.	PROPN
fsr-3528	241	4	,	,	PUNCT
fsr-3528	241	5	&	&	CCONJ
fsr-3528	241	6	engelberg	engelberg	PROPN
fsr-3528	241	7	,	,	PUNCT
fsr-3528	241	8	e.	e.	PROPN
fsr-3528	241	9	(	(	PUNCT
fsr-3528	241	10	2009	2009	NUM
fsr-3528	241	11	)	)	PUNCT
fsr-3528	241	12	.	.	PUNCT
fsr-3528	242	1	attitudes	attitude	NOUN
fsr-3528	242	2	to	to	ADP
fsr-3528	242	3	economic	economic	ADJ
fsr-3528	242	4	risk	risk	NOUN
fsr-3528	242	5	taking	taking	NOUN
fsr-3528	242	6	,	,	PUNCT
fsr-3528	242	7	sensation	sensation	NOUN
fsr-3528	242	8	seeking	seeking	NOUN
fsr-3528	242	9	and	and	CCONJ
fsr-3528	242	10	values	value	NOUN
fsr-3528	242	11	of	of	ADP
fsr-3528	242	12	business	business	NOUN
fsr-3528	242	13	students	student	NOUN
fsr-3528	242	14	specializing	specialize	VERB
fsr-3528	242	15	in	in	ADP
fsr-3528	242	16	finance	finance	NOUN
fsr-3528	242	17	.	.	PUNCT
fsr-3528	243	1	journal	journal	NOUN
fsr-3528	243	2	of	of	ADP
fsr-3528	243	3	behavioral	behavioral	ADJ
fsr-3528	243	4	finance	finance	NOUN
fsr-3528	243	5	,	,	PUNCT
fsr-3528	243	6	10	10	NUM
fsr-3528	243	7	,	,	PUNCT
fsr-3528	243	8	33–43	33–43	NUM
fsr-3528	243	9	.	.	PUNCT
fsr-3528	244	1	https://doi.org/10.1080/15427560902728712	https://doi.org/10.1080/15427560902728712	PROPN
fsr-3528	244	2	k.	k.	PROPN
fsr-3528	244	3	l.	l.	PROPN
fsr-3528	244	4	beck	beck	PROPN
fsr-3528	244	5	et	et	PROPN
fsr-3528	244	6	al	al	PROPN
fsr-3528	244	7	.	.	PUNCT
fsr-3528	244	8	/	/	SYM
fsr-3528	244	9	financial	financial	ADJ
fsr-3528	244	10	services	service	NOUN
fsr-3528	244	11	review	review	VERB
fsr-3528	244	12	31	31	NUM
fsr-3528	244	13	(	(	PUNCT
fsr-3528	244	14	2023	2023	NUM
fsr-3528	244	15	)	)	PUNCT
fsr-3528	244	16	97–106	97–106	PRON
fsr-3528	244	17	105	105	NUM
fsr-3528	244	18	sung	sung	PROPN
fsr-3528	244	19	,	,	PUNCT
fsr-3528	244	20	j.	j.	PROPN
fsr-3528	244	21	,	,	PUNCT
fsr-3528	244	22	&	&	CCONJ
fsr-3528	244	23	hanna	hanna	PROPN
fsr-3528	244	24	,	,	PUNCT
fsr-3528	244	25	s.	s.	PROPN
fsr-3528	244	26	(	(	PUNCT
fsr-3528	244	27	1996	1996	NUM
fsr-3528	244	28	)	)	PUNCT
fsr-3528	244	29	.	.	PUNCT
fsr-3528	245	1	factors	factor	NOUN
fsr-3528	245	2	related	relate	VERB
fsr-3528	245	3	to	to	PART
fsr-3528	245	4	risk	risk	VERB
fsr-3528	245	5	tolerance	tolerance	NOUN
fsr-3528	245	6	.	.	PUNCT
fsr-3528	246	1	journal	journal	NOUN
fsr-3528	246	2	of	of	ADP
fsr-3528	246	3	financial	financial	ADJ
fsr-3528	246	4	counseling	counseling	NOUN
fsr-3528	246	5	and	and	CCONJ
fsr-3528	246	6	planning	planning	NOUN
fsr-3528	246	7	,	,	PUNCT
fsr-3528	246	8	7	7	NUM
fsr-3528	246	9	,	,	PUNCT
fsr-3528	246	10	11–20	11–20	NUM
fsr-3528	246	11	.	.	PUNCT
fsr-3528	247	1	wahl	wahl	PROPN
fsr-3528	247	2	,	,	PUNCT
fsr-3528	247	3	i.	i.	PROPN
fsr-3528	247	4	,	,	PUNCT
fsr-3528	247	5	&	&	CCONJ
fsr-3528	247	6	kirchler	kirchler	PROPN
fsr-3528	247	7	,	,	PUNCT
fsr-3528	247	8	e.	e.	PROPN
fsr-3528	247	9	(	(	PUNCT
fsr-3528	247	10	2020	2020	NUM
fsr-3528	247	11	)	)	PUNCT
fsr-3528	247	12	.	.	PUNCT
fsr-3528	248	1	risk	risk	NOUN
fsr-3528	248	2	screening	screen	VERB
fsr-3528	248	3	on	on	ADP
fsr-3528	248	4	the	the	DET
fsr-3528	248	5	financial	financial	ADJ
fsr-3528	248	6	market	market	NOUN
fsr-3528	248	7	(	(	PUNCT
fsr-3528	248	8	risc	risc	PROPN
fsr-3528	248	9	-	-	PUNCT
fsr-3528	248	10	fm	fm	PROPN
fsr-3528	248	11	):	):	PUNCT
fsr-3528	248	12	a	a	DET
fsr-3528	248	13	tool	tool	NOUN
fsr-3528	248	14	to	to	PART
fsr-3528	248	15	assess	assess	VERB
fsr-3528	248	16	investors	investor	NOUN
fsr-3528	248	17	’	'	PUNCT
fsr-3528	248	18	financial	financial	ADJ
fsr-3528	248	19	risk	risk	NOUN
fsr-3528	248	20	tolerance	tolerance	NOUN
fsr-3528	248	21	.	.	PUNCT
fsr-3528	249	1	cogent	cogent	NOUN
fsr-3528	249	2	psychology	psychology	NOUN
fsr-3528	249	3	,	,	PUNCT
fsr-3528	249	4	7	7	NUM
fsr-3528	249	5	,	,	PUNCT
fsr-3528	249	6	1–33	1–33	NOUN
fsr-3528	249	7	.	.	PUNCT
fsr-3528	250	1	https://doi.org/10.1080/23311908.2020.1714108	https://doi.org/10.1080/23311908.2020.1714108	PROPN
fsr-3528	250	2	yao	yao	PROPN
fsr-3528	250	3	,	,	PUNCT
fsr-3528	250	4	r.	r.	PROPN
fsr-3528	250	5	,	,	PUNCT
fsr-3528	250	6	&	&	CCONJ
fsr-3528	250	7	hanna	hanna	PROPN
fsr-3528	250	8	,	,	PUNCT
fsr-3528	250	9	s.	s.	PROPN
fsr-3528	250	10	d.	d.	PROPN
fsr-3528	250	11	(	(	PUNCT
fsr-3528	250	12	2005	2005	NUM
fsr-3528	250	13	)	)	PUNCT
fsr-3528	250	14	.	.	PUNCT
fsr-3528	251	1	the	the	DET
fsr-3528	251	2	effect	effect	NOUN
fsr-3528	251	3	of	of	ADP
fsr-3528	251	4	gender	gender	NOUN
fsr-3528	251	5	and	and	CCONJ
fsr-3528	251	6	marital	marital	ADJ
fsr-3528	251	7	status	status	NOUN
fsr-3528	251	8	on	on	ADP
fsr-3528	251	9	financial	financial	ADJ
fsr-3528	251	10	risk	risk	NOUN
fsr-3528	251	11	tolerance	tolerance	NOUN
fsr-3528	251	12	.	.	PUNCT
fsr-3528	252	1	journal	journal	NOUN
fsr-3528	252	2	of	of	ADP
fsr-3528	252	3	personal	personal	ADJ
fsr-3528	252	4	finance	finance	NOUN
fsr-3528	252	5	,	,	PUNCT
fsr-3528	252	6	4	4	NUM
fsr-3528	252	7	,	,	PUNCT
fsr-3528	252	8	66–85	66–85	NUM
fsr-3528	252	9	.	.	PUNCT
fsr-3528	253	1	yook	yook	PROPN
fsr-3528	253	2	,	,	PUNCT
fsr-3528	253	3	k.	k.	PROPN
fsr-3528	253	4	,	,	PUNCT
fsr-3528	253	5	&	&	CCONJ
fsr-3528	253	6	everett	everett	PROPN
fsr-3528	253	7	,	,	PUNCT
fsr-3528	253	8	r.	r.	PROPN
fsr-3528	253	9	(	(	PUNCT
fsr-3528	253	10	2003	2003	NUM
fsr-3528	253	11	)	)	PUNCT
fsr-3528	253	12	.	.	PUNCT
fsr-3528	254	1	assessing	assess	VERB
fsr-3528	254	2	risk	risk	NOUN
fsr-3528	254	3	tolerance	tolerance	NOUN
fsr-3528	254	4	:	:	PUNCT
fsr-3528	254	5	questioning	question	VERB
fsr-3528	254	6	the	the	DET
fsr-3528	254	7	questionnaire	questionnaire	NOUN
fsr-3528	254	8	method	method	NOUN
fsr-3528	254	9	.	.	PUNCT
fsr-3528	255	1	journal	journal	NOUN
fsr-3528	255	2	of	of	ADP
fsr-3528	255	3	financial	financial	ADJ
fsr-3528	255	4	planning	planning	NOUN
fsr-3528	255	5	,	,	PUNCT
fsr-3528	255	6	16	16	NUM
fsr-3528	255	7	,	,	PUNCT
fsr-3528	255	8	48–55	48–55	NUM
fsr-3528	255	9	.	.	PUNCT
fsr-3528	256	1	yue	yue	PROPN
fsr-3528	256	2	,	,	PUNCT
fsr-3528	256	3	p.	p.	NOUN
fsr-3528	256	4	,	,	PUNCT
fsr-3528	256	5	gizem	gizem	NOUN
fsr-3528	256	6	korkmaz	korkmaz	NOUN
fsr-3528	256	7	,	,	PUNCT
fsr-3528	256	8	a.	a.	PROPN
fsr-3528	256	9	,	,	PUNCT
fsr-3528	256	10	&	&	CCONJ
fsr-3528	256	11	zhou	zhou	PROPN
fsr-3528	256	12	,	,	PUNCT
fsr-3528	256	13	h.	h.	PROPN
fsr-3528	256	14	(	(	PUNCT
fsr-3528	256	15	2020	2020	NUM
fsr-3528	256	16	)	)	PUNCT
fsr-3528	256	17	.	.	PUNCT
fsr-3528	257	1	household	household	NOUN
fsr-3528	257	2	financial	financial	ADJ
fsr-3528	257	3	decision	decision	NOUN
fsr-3528	257	4	making	making	NOUN
fsr-3528	257	5	amidst	amidst	ADP
fsr-3528	257	6	the	the	DET
fsr-3528	257	7	covid-19	covid-19	PROPN
fsr-3528	257	8	pandemic	pandemic	NOUN
fsr-3528	257	9	.	.	PUNCT
fsr-3528	258	1	emerging	emerge	VERB
fsr-3528	258	2	markets	market	NOUN
fsr-3528	258	3	finance	finance	NOUN
fsr-3528	258	4	and	and	CCONJ
fsr-3528	258	5	trade	trade	NOUN
fsr-3528	258	6	,	,	PUNCT
fsr-3528	258	7	56	56	NUM
fsr-3528	258	8	,	,	PUNCT
fsr-3528	258	9	2363–2377	2363–2377	NUM
fsr-3528	258	10	.	.	PUNCT
fsr-3528	259	1	https://doi.org/10.1080/1540496x.2020.1784717	https://doi.org/10.1080/1540496x.2020.1784717	PRON
fsr-3528	259	2	106	106	NUM
fsr-3528	259	3	k.	k.	PROPN
fsr-3528	259	4	l.	l.	PROPN
fsr-3528	259	5	beck	beck	PROPN
fsr-3528	259	6	et	et	PROPN
fsr-3528	259	7	al	al	PROPN
fsr-3528	259	8	.	.	PUNCT
fsr-3528	259	9	/	/	SYM
fsr-3528	259	10	financial	financial	ADJ
fsr-3528	259	11	services	service	NOUN
fsr-3528	259	12	review	review	VERB
fsr-3528	259	13	31	31	NUM
fsr-3528	259	14	(	(	PUNCT
fsr-3528	259	15	2023	2023	NUM
fsr-3528	259	16	)	)	PUNCT
fsr-3528	259	17	97–106	97–106	NUM