id	sid	tid	token	lemma	pos
fsr-3530	1	1	finser_31	finser_31	PROPN
fsr-3530	1	2	-	-	PUNCT
fsr-3530	1	3	2_complete_issue	2_complete_issue	PROPN
fsr-3530	1	4	investment	investment	NOUN
fsr-3530	1	5	literacy	literacy	NOUN
fsr-3530	1	6	,	,	PUNCT
fsr-3530	1	7	overconfidence	overconfidence	NOUN
fsr-3530	1	8	and	and	CCONJ
fsr-3530	1	9	cryptocurrency	cryptocurrency	NOUN
fsr-3530	1	10	investment	investment	NOUN
fsr-3530	1	11	kyoung	kyoung	PROPN
fsr-3530	1	12	tae	tae	PROPN
fsr-3530	1	13	kima	kima	PROPN
fsr-3530	1	14	,	,	PUNCT
fsr-3530	1	15	*	*	PROPN
fsr-3530	1	16	,	,	PUNCT
fsr-3530	1	17	sherman	sherman	PROPN
fsr-3530	1	18	d.	d.	PROPN
fsr-3530	1	19	hannab	hannab	PROPN
fsr-3530	1	20	,	,	PUNCT
fsr-3530	1	21	sunwoo	sunwoo	PROPN
fsr-3530	1	22	t.	t.	PROPN
fsr-3530	1	23	leec	leec	PROPN
fsr-3530	1	24	adepartment	adepartment	NOUN
fsr-3530	1	25	of	of	ADP
fsr-3530	1	26	consumer	consumer	NOUN
fsr-3530	1	27	sciences	science	NOUN
fsr-3530	1	28	,	,	PUNCT
fsr-3530	1	29	university	university	NOUN
fsr-3530	1	30	of	of	ADP
fsr-3530	1	31	alabama	alabama	PROPN
fsr-3530	1	32	,	,	PUNCT
fsr-3530	1	33	316	316	NUM
fsr-3530	1	34	-	-	SYM
fsr-3530	1	35	c	c	NOUN
fsr-3530	1	36	adams	adams	PROPN
fsr-3530	1	37	hall	hall	PROPN
fsr-3530	1	38	,	,	PUNCT
fsr-3530	1	39	box	box	PROPN
fsr-3530	1	40	870158	870158	NUM
fsr-3530	1	41	,	,	PUNCT
fsr-3530	1	42	tuscaloosa	tuscaloosa	PROPN
fsr-3530	1	43	,	,	PUNCT
fsr-3530	1	44	al	al	PROPN
fsr-3530	1	45	35487	35487	NUM
fsr-3530	1	46	,	,	PUNCT
fsr-3530	1	47	usa	usa	PROPN
fsr-3530	1	48	bdepartment	bdepartment	PROPN
fsr-3530	1	49	of	of	ADP
fsr-3530	1	50	human	human	PROPN
fsr-3530	1	51	sciences	sciences	PROPN
fsr-3530	1	52	,	,	PUNCT
fsr-3530	1	53	the	the	DET
fsr-3530	1	54	ohio	ohio	PROPN
fsr-3530	1	55	state	state	PROPN
fsr-3530	1	56	university	university	PROPN
fsr-3530	1	57	,	,	PUNCT
fsr-3530	1	58	1787	1787	NUM
fsr-3530	1	59	neil	neil	PROPN
fsr-3530	1	60	ave	ave	PROPN
fsr-3530	1	61	,	,	PUNCT
fsr-3530	1	62	columbus	columbus	PROPN
fsr-3530	1	63	,	,	PUNCT
fsr-3530	1	64	oh	oh	NUM
fsr-3530	1	65	43210	43210	NUM
fsr-3530	1	66	,	,	PUNCT
fsr-3530	1	67	usa	usa	PROPN
fsr-3530	1	68	cschool	cschool	NOUN
fsr-3530	1	69	of	of	ADP
fsr-3530	1	70	administrative	administrative	ADJ
fsr-3530	1	71	studies	study	NOUN
fsr-3530	1	72	,	,	PUNCT
fsr-3530	1	73	york	york	PROPN
fsr-3530	1	74	university	university	PROPN
fsr-3530	1	75	,	,	PUNCT
fsr-3530	1	76	atkinson	atkinson	PROPN
fsr-3530	1	77	building	building	PROPN
fsr-3530	1	78	,	,	PUNCT
fsr-3530	1	79	252	252	NUM
fsr-3530	1	80	,	,	PUNCT
fsr-3530	1	81	4700	4700	NUM
fsr-3530	1	82	keele	keele	PROPN
fsr-3530	1	83	street	street	PROPN
fsr-3530	1	84	,	,	PUNCT
fsr-3530	1	85	toronto	toronto	PROPN
fsr-3530	1	86	,	,	PUNCT
fsr-3530	1	87	on	on	ADP
fsr-3530	1	88	m3j1p3	m3j1p3	PROPN
fsr-3530	1	89	,	,	PUNCT
fsr-3530	1	90	canada	canada	PROPN
fsr-3530	1	91	abstract	abstract	ADJ
fsr-3530	1	92	cryptocurrency	cryptocurrency	NOUN
fsr-3530	1	93	has	have	AUX
fsr-3530	1	94	been	be	AUX
fsr-3530	1	95	increasingly	increasingly	ADV
fsr-3530	1	96	popular	popular	ADJ
fsr-3530	1	97	with	with	ADP
fsr-3530	1	98	investors	investor	NOUN
fsr-3530	1	99	.	.	PUNCT
fsr-3530	2	1	using	use	VERB
fsr-3530	2	2	the	the	DET
fsr-3530	2	3	2018	2018	NUM
fsr-3530	2	4	national	national	ADJ
fsr-3530	2	5	financial	financial	ADJ
fsr-3530	2	6	capability	capability	NOUN
fsr-3530	2	7	study	study	NOUN
fsr-3530	2	8	investor	investor	NOUN
fsr-3530	2	9	survey	survey	NOUN
fsr-3530	2	10	,	,	PUNCT
fsr-3530	2	11	we	we	PRON
fsr-3530	2	12	examined	examine	VERB
fsr-3530	2	13	the	the	DET
fsr-3530	2	14	association	association	NOUN
fsr-3530	2	15	between	between	ADP
fsr-3530	2	16	investment	investment	NOUN
fsr-3530	2	17	literacy	literacy	NOUN
fsr-3530	2	18	and	and	CCONJ
fsr-3530	2	19	cryptocurrency	cryptocurrency	NOUN
fsr-3530	2	20	investment	investment	NOUN
fsr-3530	2	21	—	—	PUNCT
fsr-3530	2	22	about	about	ADV
fsr-3530	2	23	13	13	NUM
fsr-3530	2	24	%	%	NOUN
fsr-3530	2	25	of	of	ADP
fsr-3530	2	26	investors	investor	NOUN
fsr-3530	2	27	invested	invest	VERB
fsr-3530	2	28	in	in	ADP
fsr-3530	2	29	cryptocurrency	cryptocurrency	NOUN
fsr-3530	2	30	directly	directly	ADV
fsr-3530	2	31	or	or	CCONJ
fsr-3530	2	32	indirectly	indirectly	ADV
fsr-3530	2	33	.	.	PUNCT
fsr-3530	3	1	results	result	NOUN
fsr-3530	3	2	from	from	ADP
fsr-3530	3	3	regression	regression	NOUN
fsr-3530	3	4	analyses	analysis	NOUN
fsr-3530	3	5	show	show	VERB
fsr-3530	3	6	that	that	SCONJ
fsr-3530	3	7	objective	objective	ADJ
fsr-3530	3	8	investment	investment	NOUN
fsr-3530	3	9	literacy	literacy	NOUN
fsr-3530	3	10	was	be	AUX
fsr-3530	3	11	negatively	negatively	ADV
fsr-3530	3	12	while	while	SCONJ
fsr-3530	3	13	subjective	subjective	ADJ
fsr-3530	3	14	literacy	literacy	NOUN
fsr-3530	3	15	was	be	AUX
fsr-3530	3	16	positively	positively	ADV
fsr-3530	3	17	associated	associate	VERB
fsr-3530	3	18	with	with	ADP
fsr-3530	3	19	holding	hold	VERB
fsr-3530	3	20	cryptocurrency	cryptocurrency	NOUN
fsr-3530	3	21	.	.	PUNCT
fsr-3530	4	1	overconfident	overconfident	ADJ
fsr-3530	4	2	investors	investor	NOUN
fsr-3530	4	3	were	be	AUX
fsr-3530	4	4	more	more	ADV
fsr-3530	4	5	likely	likely	ADJ
fsr-3530	4	6	to	to	PART
fsr-3530	4	7	invest	invest	VERB
fsr-3530	4	8	in	in	ADP
fsr-3530	4	9	cryptocurrency	cryptocurrency	NOUN
fsr-3530	4	10	,	,	PUNCT
fsr-3530	4	11	and	and	CCONJ
fsr-3530	4	12	results	result	NOUN
fsr-3530	4	13	were	be	AUX
fsr-3530	4	14	robust	robust	ADJ
fsr-3530	4	15	across	across	ADP
fsr-3530	4	16	three	three	NUM
fsr-3530	4	17	overconfidence	overconfidence	NOUN
fsr-3530	4	18	measures	measure	NOUN
fsr-3530	4	19	.	.	PUNCT
fsr-3530	5	1	this	this	DET
fsr-3530	5	2	study	study	NOUN
fsr-3530	5	3	has	have	VERB
fsr-3530	5	4	implications	implication	NOUN
fsr-3530	5	5	for	for	ADP
fsr-3530	5	6	investment	investment	NOUN
fsr-3530	5	7	advice	advice	NOUN
fsr-3530	5	8	,	,	PUNCT
fsr-3530	5	9	financial	financial	ADJ
fsr-3530	5	10	education	education	NOUN
fsr-3530	5	11	,	,	PUNCT
fsr-3530	5	12	and	and	CCONJ
fsr-3530	5	13	research	research	NOUN
fsr-3530	5	14	.	.	PUNCT
fsr-3530	6	1	©	©	PROPN
fsr-3530	6	2	2023	2023	NUM
fsr-3530	6	3	academy	academy	NOUN
fsr-3530	6	4	of	of	ADP
fsr-3530	6	5	financial	financial	ADJ
fsr-3530	6	6	services	service	NOUN
fsr-3530	6	7	.	.	PUNCT
fsr-3530	7	1	all	all	DET
fsr-3530	7	2	rights	right	NOUN
fsr-3530	7	3	reserved	reserve	VERB
fsr-3530	7	4	.	.	PUNCT
fsr-3530	8	1	jel	jel	PROPN
fsr-3530	8	2	classification	classification	NOUN
fsr-3530	8	3	:	:	PUNCT
fsr-3530	8	4	g5	g5	NOUN
fsr-3530	8	5	;	;	PUNCT
fsr-3530	8	6	g11	g11	PROPN
fsr-3530	8	7	;	;	PUNCT
fsr-3530	8	8	g53	g53	PROPN
fsr-3530	8	9	keywords	keyword	NOUN
fsr-3530	8	10	:	:	PUNCT
fsr-3530	8	11	investment	investment	NOUN
fsr-3530	8	12	literacy	literacy	NOUN
fsr-3530	8	13	;	;	PUNCT
fsr-3530	8	14	financial	financial	ADJ
fsr-3530	8	15	knowledge	knowledge	NOUN
fsr-3530	8	16	;	;	PUNCT
fsr-3530	8	17	overconfidence	overconfidence	NOUN
fsr-3530	8	18	;	;	PUNCT
fsr-3530	8	19	investment	investment	NOUN
fsr-3530	8	20	;	;	PUNCT
fsr-3530	8	21	cryptocurrency	cryptocurrency	NOUN
fsr-3530	8	22	1	1	NUM
fsr-3530	8	23	.	.	PUNCT
fsr-3530	9	1	introduction	introduction	NOUN
fsr-3530	9	2	cryptocurrency	cryptocurrency	NOUN
fsr-3530	9	3	has	have	AUX
fsr-3530	9	4	become	become	VERB
fsr-3530	9	5	increasingly	increasingly	ADV
fsr-3530	9	6	popular	popular	ADJ
fsr-3530	9	7	since	since	SCONJ
fsr-3530	9	8	2008	2008	NUM
fsr-3530	9	9	,	,	PUNCT
fsr-3530	9	10	since	since	SCONJ
fsr-3530	9	11	the	the	DET
fsr-3530	9	12	invention	invention	NOUN
fsr-3530	9	13	of	of	ADP
fsr-3530	9	14	bitcoin	bitcoin	NOUN
fsr-3530	9	15	by	by	ADP
fsr-3530	9	16	satoshi	satoshi	PROPN
fsr-3530	9	17	nakamoto	nakamoto	PROPN
fsr-3530	9	18	(	(	PUNCT
fsr-3530	9	19	nakamoto	nakamoto	NOUN
fsr-3530	9	20	,	,	PUNCT
fsr-3530	9	21	2008	2008	NUM
fsr-3530	9	22	)	)	PUNCT
fsr-3530	9	23	.	.	PUNCT
fsr-3530	10	1	although	although	SCONJ
fsr-3530	10	2	bitcoin	bitcoin	NOUN
fsr-3530	10	3	still	still	ADV
fsr-3530	10	4	dominates	dominate	VERB
fsr-3530	10	5	the	the	DET
fsr-3530	10	6	cryptocurrency	cryptocurrency	NOUN
fsr-3530	10	7	market	market	NOUN
fsr-3530	10	8	,	,	PUNCT
fsr-3530	10	9	nearly	nearly	ADV
fsr-3530	10	10	8,600	8,600	NUM
fsr-3530	10	11	cryptocurrencies	cryptocurrencie	NOUN
fsr-3530	10	12	are	be	AUX
fsr-3530	10	13	currently	currently	ADV
fsr-3530	10	14	trading	trade	VERB
fsr-3530	10	15	around	around	ADP
fsr-3530	10	16	the	the	DET
fsr-3530	10	17	world	world	NOUN
fsr-3530	10	18	with	with	ADP
fsr-3530	10	19	a	a	DET
fsr-3530	10	20	combined	combined	ADJ
fsr-3530	10	21	market	market	NOUN
fsr-3530	10	22	capitalization	capitalization	NOUN
fsr-3530	10	23	of	of	ADP
fsr-3530	10	24	us$1.48	us$1.48	PROPN
fsr-3530	10	25	trillion	trillion	NUM
fsr-3530	10	26	as	as	ADP
fsr-3530	10	27	of	of	ADP
fsr-3530	10	28	march	march	PROPN
fsr-3530	10	29	2	2	NUM
fsr-3530	10	30	,	,	PUNCT
fsr-3530	10	31	2020	2020	NUM
fsr-3530	10	32	(	(	PUNCT
fsr-3530	10	33	coin	coin	NOUN
fsr-3530	10	34	market	market	NOUN
fsr-3530	10	35	*	*	PUNCT
fsr-3530	10	36	corresponding	correspond	VERB
fsr-3530	10	37	author	author	NOUN
fsr-3530	10	38	:	:	PUNCT
fsr-3530	10	39	tel	tel	PROPN
fsr-3530	10	40	.	.	PUNCT
fsr-3530	10	41	:	:	PUNCT
fsr-3530	10	42	205	205	NUM
fsr-3530	10	43	-	-	SYM
fsr-3530	10	44	348	348	NUM
fsr-3530	10	45	-	-	PUNCT
fsr-3530	10	46	9167	9167	NUM
fsr-3530	10	47	,	,	PUNCT
fsr-3530	10	48	fax	fax	NOUN
fsr-3530	10	49	:	:	PUNCT
fsr-3530	10	50	205	205	NUM
fsr-3530	10	51	-	-	SYM
fsr-3530	10	52	348	348	NUM
fsr-3530	10	53	-	-	PUNCT
fsr-3530	10	54	8721	8721	NUM
fsr-3530	10	55	.	.	PUNCT
fsr-3530	11	1	e	e	X
fsr-3530	11	2	-	-	NOUN
fsr-3530	11	3	mail	mail	NOUN
fsr-3530	11	4	address	address	NOUN
fsr-3530	11	5	:	:	PUNCT
fsr-3530	11	6	ktkim@ches.ua.edu	ktkim@ches.ua.edu	VERB
fsr-3530	11	7	1057	1057	NUM
fsr-3530	11	8	-	-	SYM
fsr-3530	11	9	0810/23/$	0810/23/$	NUM
fsr-3530	11	10	–	–	PUNCT
fsr-3530	11	11	see	see	VERB
fsr-3530	11	12	front	front	ADJ
fsr-3530	11	13	matter	matter	NOUN
fsr-3530	11	14	©	©	PROPN
fsr-3530	11	15	2023	2023	NUM
fsr-3530	11	16	academy	academy	NOUN
fsr-3530	11	17	of	of	ADP
fsr-3530	11	18	financial	financial	ADJ
fsr-3530	11	19	services	service	NOUN
fsr-3530	11	20	.	.	PUNCT
fsr-3530	12	1	all	all	DET
fsr-3530	12	2	rights	right	NOUN
fsr-3530	12	3	reserved	reserve	VERB
fsr-3530	12	4	.	.	PUNCT
fsr-3530	13	1	financial	financial	ADJ
fsr-3530	13	2	services	service	NOUN
fsr-3530	13	3	review	review	VERB
fsr-3530	13	4	31	31	NUM
fsr-3530	13	5	(	(	PUNCT
fsr-3530	13	6	2023	2023	NUM
fsr-3530	13	7	)	)	PUNCT
fsr-3530	13	8	121–132	121–132	NUM
fsr-3530	13	9	cap	cap	NOUN
fsr-3530	13	10	,	,	PUNCT
fsr-3530	13	11	2020	2020	NUM
fsr-3530	13	12	)	)	PUNCT
fsr-3530	13	13	.	.	PUNCT
fsr-3530	14	1	the	the	DET
fsr-3530	14	2	total	total	ADJ
fsr-3530	14	3	value	value	NOUN
fsr-3530	14	4	of	of	ADP
fsr-3530	14	5	holdings	holding	NOUN
fsr-3530	14	6	in	in	ADP
fsr-3530	14	7	cryptocurrencies	cryptocurrencie	NOUN
fsr-3530	14	8	is	be	AUX
fsr-3530	14	9	still	still	ADV
fsr-3530	14	10	small	small	ADJ
fsr-3530	14	11	relative	relative	ADJ
fsr-3530	14	12	to	to	ADP
fsr-3530	14	13	holdings	holding	NOUN
fsr-3530	14	14	of	of	ADP
fsr-3530	14	15	gold	gold	NOUN
fsr-3530	14	16	and	and	CCONJ
fsr-3530	14	17	financial	financial	ADJ
fsr-3530	14	18	investments	investment	NOUN
fsr-3530	14	19	but	but	CCONJ
fsr-3530	14	20	is	be	AUX
fsr-3530	14	21	being	be	AUX
fsr-3530	14	22	increasingly	increasingly	ADV
fsr-3530	14	23	studied	study	VERB
fsr-3530	14	24	as	as	ADP
fsr-3530	14	25	a	a	DET
fsr-3530	14	26	component	component	NOUN
fsr-3530	14	27	of	of	ADP
fsr-3530	14	28	portfolios	portfolio	NOUN
fsr-3530	14	29	of	of	ADP
fsr-3530	14	30	wealthy	wealthy	ADJ
fsr-3530	14	31	investors	investor	NOUN
fsr-3530	14	32	(	(	PUNCT
fsr-3530	14	33	zhao	zhao	NOUN
fsr-3530	14	34	,	,	PUNCT
fsr-3530	14	35	2021	2021	NUM
fsr-3530	14	36	)	)	PUNCT
fsr-3530	14	37	.	.	PUNCT
fsr-3530	15	1	one	one	NUM
fsr-3530	15	2	indicator	indicator	NOUN
fsr-3530	15	3	of	of	ADP
fsr-3530	15	4	the	the	DET
fsr-3530	15	5	growing	grow	VERB
fsr-3530	15	6	importance	importance	NOUN
fsr-3530	15	7	of	of	ADP
fsr-3530	15	8	cryptocurrencies	cryptocurrencie	NOUN
fsr-3530	15	9	is	be	AUX
fsr-3530	15	10	concern	concern	NOUN
fsr-3530	15	11	about	about	ADP
fsr-3530	15	12	the	the	DET
fsr-3530	15	13	impact	impact	NOUN
fsr-3530	15	14	on	on	ADP
fsr-3530	15	15	the	the	DET
fsr-3530	15	16	environment	environment	NOUN
fsr-3530	15	17	of	of	ADP
fsr-3530	15	18	the	the	DET
fsr-3530	15	19	production	production	NOUN
fsr-3530	15	20	of	of	ADP
fsr-3530	15	21	cryptocurrencies	cryptocurrencie	NOUN
fsr-3530	15	22	(	(	PUNCT
fsr-3530	15	23	sorkin	sorkin	NOUN
fsr-3530	15	24	,	,	PUNCT
fsr-3530	15	25	2021	2021	NUM
fsr-3530	15	26	)	)	PUNCT
fsr-3530	15	27	.	.	PUNCT
fsr-3530	16	1	although	although	SCONJ
fsr-3530	16	2	investment	investment	NOUN
fsr-3530	16	3	in	in	ADP
fsr-3530	16	4	cryptocurrency	cryptocurrency	NOUN
fsr-3530	16	5	has	have	AUX
fsr-3530	16	6	been	be	AUX
fsr-3530	16	7	rapidly	rapidly	ADV
fsr-3530	16	8	growing	grow	VERB
fsr-3530	16	9	,	,	PUNCT
fsr-3530	16	10	there	there	PRON
fsr-3530	16	11	are	be	VERB
fsr-3530	16	12	not	not	PART
fsr-3530	16	13	many	many	ADJ
fsr-3530	16	14	studies	study	NOUN
fsr-3530	16	15	on	on	ADP
fsr-3530	16	16	factors	factor	NOUN
fsr-3530	16	17	related	relate	VERB
fsr-3530	16	18	to	to	ADP
fsr-3530	16	19	people	people	NOUN
fsr-3530	16	20	investing	invest	VERB
fsr-3530	16	21	in	in	ADP
fsr-3530	16	22	cryptocurrency	cryptocurrency	NOUN
fsr-3530	16	23	.	.	PUNCT
fsr-3530	17	1	one	one	NUM
fsr-3530	17	2	of	of	ADP
fsr-3530	17	3	the	the	DET
fsr-3530	17	4	major	major	ADJ
fsr-3530	17	5	reasons	reason	NOUN
fsr-3530	17	6	is	be	AUX
fsr-3530	17	7	the	the	DET
fsr-3530	17	8	limited	limited	ADJ
fsr-3530	17	9	availability	availability	NOUN
fsr-3530	17	10	of	of	ADP
fsr-3530	17	11	appropriate	appropriate	ADJ
fsr-3530	17	12	survey	survey	NOUN
fsr-3530	17	13	data	datum	NOUN
fsr-3530	17	14	and	and	CCONJ
fsr-3530	17	15	questionnaires	questionnaire	NOUN
fsr-3530	17	16	.	.	PUNCT
fsr-3530	18	1	the	the	DET
fsr-3530	18	2	2018	2018	NUM
fsr-3530	18	3	national	national	ADJ
fsr-3530	18	4	financial	financial	ADJ
fsr-3530	18	5	capability	capability	NOUN
fsr-3530	18	6	study	study	NOUN
fsr-3530	18	7	investor	investor	NOUN
fsr-3530	18	8	survey	survey	NOUN
fsr-3530	18	9	(	(	PUNCT
fsr-3530	18	10	thereafter	thereafter	ADV
fsr-3530	18	11	,	,	PUNCT
fsr-3530	18	12	2018	2018	NUM
fsr-3530	18	13	nfcs	nfc	NOUN
fsr-3530	18	14	investor	investor	NOUN
fsr-3530	18	15	survey	survey	NOUN
fsr-3530	18	16	)	)	PUNCT
fsr-3530	18	17	released	release	VERB
fsr-3530	18	18	by	by	ADP
fsr-3530	18	19	finra	finra	PROPN
fsr-3530	18	20	investor	investor	PROPN
fsr-3530	18	21	education	education	PROPN
fsr-3530	18	22	foundation	foundation	NOUN
fsr-3530	18	23	collects	collect	VERB
fsr-3530	18	24	a	a	DET
fsr-3530	18	25	series	series	NOUN
fsr-3530	18	26	of	of	ADP
fsr-3530	18	27	questions	question	NOUN
fsr-3530	18	28	about	about	ADP
fsr-3530	18	29	cryptocurrency	cryptocurrency	NOUN
fsr-3530	18	30	investment	investment	NOUN
fsr-3530	18	31	.	.	PUNCT
fsr-3530	19	1	this	this	PRON
fsr-3530	19	2	allows	allow	VERB
fsr-3530	19	3	us	we	PRON
fsr-3530	19	4	a	a	DET
fsr-3530	19	5	unique	unique	ADJ
fsr-3530	19	6	opportunity	opportunity	NOUN
fsr-3530	19	7	to	to	PART
fsr-3530	19	8	identify	identify	VERB
fsr-3530	19	9	factors	factor	NOUN
fsr-3530	19	10	associated	associate	VERB
fsr-3530	19	11	with	with	ADP
fsr-3530	19	12	investing	invest	VERB
fsr-3530	19	13	in	in	ADP
fsr-3530	19	14	cryptocurrency	cryptocurrency	NOUN
fsr-3530	19	15	by	by	ADP
fsr-3530	19	16	us	us	PROPN
fsr-3530	19	17	investors	investor	NOUN
fsr-3530	19	18	.	.	PUNCT
fsr-3530	20	1	given	give	VERB
fsr-3530	20	2	limited	limited	ADJ
fsr-3530	20	3	knowledge	knowledge	NOUN
fsr-3530	20	4	about	about	ADP
fsr-3530	20	5	investing	invest	VERB
fsr-3530	20	6	in	in	ADP
fsr-3530	20	7	cryptocurrencies	cryptocurrencie	NOUN
fsr-3530	20	8	and	and	CCONJ
fsr-3530	20	9	the	the	DET
fsr-3530	20	10	extreme	extreme	ADJ
fsr-3530	20	11	volatility	volatility	NOUN
fsr-3530	20	12	as	as	ADP
fsr-3530	20	13	an	an	DET
fsr-3530	20	14	investment	investment	NOUN
fsr-3530	20	15	,	,	PUNCT
fsr-3530	20	16	what	what	DET
fsr-3530	20	17	type	type	NOUN
fsr-3530	20	18	of	of	ADP
fsr-3530	20	19	investor	investor	NOUN
fsr-3530	20	20	holds	hold	VERB
fsr-3530	20	21	cryptocurrency	cryptocurrency	NOUN
fsr-3530	20	22	investments	investment	NOUN
fsr-3530	20	23	?	?	PUNCT
fsr-3530	21	1	the	the	DET
fsr-3530	21	2	purpose	purpose	NOUN
fsr-3530	21	3	of	of	ADP
fsr-3530	21	4	this	this	DET
fsr-3530	21	5	study	study	NOUN
fsr-3530	21	6	is	be	AUX
fsr-3530	21	7	to	to	PART
fsr-3530	21	8	investigate	investigate	VERB
fsr-3530	21	9	the	the	DET
fsr-3530	21	10	association	association	NOUN
fsr-3530	21	11	between	between	ADP
fsr-3530	21	12	investment	investment	NOUN
fsr-3530	21	13	literacy	literacy	NOUN
fsr-3530	21	14	and	and	CCONJ
fsr-3530	21	15	cryptocurrency	cryptocurrency	NOUN
fsr-3530	21	16	investment	investment	NOUN
fsr-3530	21	17	.	.	PUNCT
fsr-3530	22	1	we	we	PRON
fsr-3530	22	2	tested	test	VERB
fsr-3530	22	3	investment	investment	NOUN
fsr-3530	22	4	literacy	literacy	NOUN
fsr-3530	22	5	in	in	ADP
fsr-3530	22	6	three	three	NUM
fsr-3530	22	7	ways	way	NOUN
fsr-3530	22	8	:	:	PUNCT
fsr-3530	22	9	(	(	PUNCT
fsr-3530	22	10	1	1	X
fsr-3530	22	11	)	)	PUNCT
fsr-3530	22	12	objective	objective	ADJ
fsr-3530	22	13	literacy	literacy	NOUN
fsr-3530	22	14	,	,	PUNCT
fsr-3530	22	15	(	(	PUNCT
fsr-3530	22	16	2	2	X
fsr-3530	22	17	)	)	PUNCT
fsr-3530	22	18	subjective	subjective	ADJ
fsr-3530	22	19	literacy	literacy	NOUN
fsr-3530	22	20	,	,	PUNCT
fsr-3530	22	21	and	and	CCONJ
fsr-3530	22	22	(	(	PUNCT
fsr-3530	22	23	3	3	X
fsr-3530	22	24	)	)	PUNCT
fsr-3530	22	25	overconfidence	overconfidence	NOUN
fsr-3530	22	26	in	in	ADP
fsr-3530	22	27	investment	investment	NOUN
fsr-3530	22	28	literacy	literacy	NOUN
fsr-3530	22	29	.	.	PUNCT
fsr-3530	23	1	to	to	PART
fsr-3530	23	2	check	check	VERB
fsr-3530	23	3	the	the	DET
fsr-3530	23	4	robustness	robustness	NOUN
fsr-3530	23	5	of	of	ADP
fsr-3530	23	6	our	our	PRON
fsr-3530	23	7	results	result	NOUN
fsr-3530	23	8	,	,	PUNCT
fsr-3530	23	9	we	we	PRON
fsr-3530	23	10	used	use	VERB
fsr-3530	23	11	three	three	NUM
fsr-3530	23	12	different	different	ADJ
fsr-3530	23	13	indicators	indicator	NOUN
fsr-3530	23	14	of	of	ADP
fsr-3530	23	15	overconfidence	overconfidence	NOUN
fsr-3530	23	16	in	in	ADP
fsr-3530	23	17	investment	investment	NOUN
fsr-3530	23	18	literacy	literacy	NOUN
fsr-3530	23	19	,	,	PUNCT
fsr-3530	23	20	measured	measure	VERB
fsr-3530	23	21	by	by	ADP
fsr-3530	23	22	divergence	divergence	NOUN
fsr-3530	23	23	between	between	ADP
fsr-3530	23	24	objective	objective	ADJ
fsr-3530	23	25	and	and	CCONJ
fsr-3530	23	26	subjective	subjective	ADJ
fsr-3530	23	27	literacy	literacy	NOUN
fsr-3530	23	28	.	.	PUNCT
fsr-3530	24	1	in	in	ADP
fsr-3530	24	2	addition	addition	NOUN
fsr-3530	24	3	to	to	ADP
fsr-3530	24	4	the	the	DET
fsr-3530	24	5	analysis	analysis	NOUN
fsr-3530	24	6	on	on	ADP
fsr-3530	24	7	the	the	DET
fsr-3530	24	8	association	association	NOUN
fsr-3530	24	9	between	between	ADP
fsr-3530	24	10	investment	investment	NOUN
fsr-3530	24	11	literacy	literacy	NOUN
fsr-3530	24	12	and	and	CCONJ
fsr-3530	24	13	investing	invest	VERB
fsr-3530	24	14	in	in	ADP
fsr-3530	24	15	cryptocurrency	cryptocurrency	NOUN
fsr-3530	24	16	,	,	PUNCT
fsr-3530	24	17	we	we	PRON
fsr-3530	24	18	examined	examine	VERB
fsr-3530	24	19	various	various	ADJ
fsr-3530	24	20	socioeconomic	socioeconomic	ADJ
fsr-3530	24	21	factors	factor	NOUN
fsr-3530	24	22	related	relate	VERB
fsr-3530	24	23	to	to	ADP
fsr-3530	24	24	investing	invest	VERB
fsr-3530	24	25	in	in	ADP
fsr-3530	24	26	cryptocurrency	cryptocurrency	NOUN
fsr-3530	24	27	.	.	PUNCT
fsr-3530	25	1	this	this	DET
fsr-3530	25	2	study	study	NOUN
fsr-3530	25	3	contributes	contribute	VERB
fsr-3530	25	4	to	to	ADP
fsr-3530	25	5	the	the	DET
fsr-3530	25	6	existing	exist	VERB
fsr-3530	25	7	literature	literature	NOUN
fsr-3530	25	8	in	in	ADP
fsr-3530	25	9	two	two	NUM
fsr-3530	25	10	ways	way	NOUN
fsr-3530	25	11	.	.	PUNCT
fsr-3530	26	1	while	while	SCONJ
fsr-3530	26	2	there	there	PRON
fsr-3530	26	3	has	have	AUX
fsr-3530	26	4	been	be	AUX
fsr-3530	26	5	increasing	increase	VERB
fsr-3530	26	6	attention	attention	NOUN
fsr-3530	26	7	to	to	ADP
fsr-3530	26	8	cryptocurrency	cryptocurrency	NOUN
fsr-3530	26	9	investment	investment	NOUN
fsr-3530	26	10	,	,	PUNCT
fsr-3530	26	11	our	our	PRON
fsr-3530	26	12	study	study	NOUN
fsr-3530	26	13	is	be	AUX
fsr-3530	26	14	one	one	NUM
fsr-3530	26	15	of	of	ADP
fsr-3530	26	16	first	first	ADJ
fsr-3530	26	17	attempts	attempt	NOUN
fsr-3530	26	18	to	to	PART
fsr-3530	26	19	explore	explore	VERB
fsr-3530	26	20	the	the	DET
fsr-3530	26	21	association	association	NOUN
fsr-3530	26	22	between	between	ADP
fsr-3530	26	23	investment	investment	NOUN
fsr-3530	26	24	literacy	literacy	NOUN
fsr-3530	26	25	overconfidence	overconfidence	NOUN
fsr-3530	26	26	and	and	CCONJ
fsr-3530	26	27	investing	invest	VERB
fsr-3530	26	28	in	in	ADP
fsr-3530	26	29	cryptocurrency	cryptocurrency	NOUN
fsr-3530	26	30	of	of	ADP
fsr-3530	26	31	us	us	PROPN
fsr-3530	26	32	investors	investor	NOUN
fsr-3530	26	33	.	.	PUNCT
fsr-3530	27	1	further	far	ADV
fsr-3530	27	2	,	,	PUNCT
fsr-3530	27	3	we	we	PRON
fsr-3530	27	4	used	use	VERB
fsr-3530	27	5	an	an	DET
fsr-3530	27	6	index	index	NOUN
fsr-3530	27	7	of	of	ADP
fsr-3530	27	8	correct	correct	ADJ
fsr-3530	27	9	answers	answer	NOUN
fsr-3530	27	10	to	to	ADP
fsr-3530	27	11	investment	investment	NOUN
fsr-3530	27	12	knowledge	knowledge	NOUN
fsr-3530	27	13	questions	question	NOUN
fsr-3530	27	14	,	,	PUNCT
fsr-3530	27	15	which	which	PRON
fsr-3530	27	16	captures	capture	VERB
fsr-3530	27	17	one	one	NUM
fsr-3530	27	18	’s	’s	PART
fsr-3530	27	19	investment	investment	NOUN
fsr-3530	27	20	literacy	literacy	NOUN
fsr-3530	27	21	more	more	ADV
fsr-3530	27	22	comprehensively	comprehensively	ADV
fsr-3530	27	23	than	than	ADP
fsr-3530	27	24	commonly	commonly	ADV
fsr-3530	27	25	used	use	VERB
fsr-3530	27	26	measures	measure	NOUN
fsr-3530	27	27	of	of	ADP
fsr-3530	27	28	financial	financial	ADJ
fsr-3530	27	29	literacy	literacy	NOUN
fsr-3530	27	30	(	(	PUNCT
fsr-3530	27	31	lusardi	lusardi	PROPN
fsr-3530	27	32	&	&	CCONJ
fsr-3530	27	33	mitchell	mitchell	PROPN
fsr-3530	27	34	,	,	PUNCT
fsr-3530	27	35	2014	2014	NUM
fsr-3530	27	36	)	)	PUNCT
fsr-3530	27	37	.	.	PUNCT
fsr-3530	28	1	the	the	DET
fsr-3530	28	2	major	major	ADJ
fsr-3530	28	3	findings	finding	NOUN
fsr-3530	28	4	of	of	ADP
fsr-3530	28	5	this	this	DET
fsr-3530	28	6	study	study	NOUN
fsr-3530	28	7	provide	provide	VERB
fsr-3530	28	8	important	important	ADJ
fsr-3530	28	9	insights	insight	NOUN
fsr-3530	28	10	for	for	ADP
fsr-3530	28	11	investment	investment	NOUN
fsr-3530	28	12	advisors	advisor	NOUN
fsr-3530	28	13	,	,	PUNCT
fsr-3530	28	14	financial	financial	ADJ
fsr-3530	28	15	educators	educator	NOUN
fsr-3530	28	16	,	,	PUNCT
fsr-3530	28	17	and	and	CCONJ
fsr-3530	28	18	researchers	researcher	NOUN
fsr-3530	28	19	.	.	PUNCT
fsr-3530	29	1	2	2	X
fsr-3530	29	2	.	.	X
fsr-3530	29	3	literature	literature	NOUN
fsr-3530	29	4	review	review	PROPN
fsr-3530	29	5	and	and	CCONJ
fsr-3530	29	6	theoretical	theoretical	ADJ
fsr-3530	29	7	consideration	consideration	NOUN
fsr-3530	29	8	2.1	2.1	NUM
fsr-3530	29	9	.	.	PUNCT
fsr-3530	30	1	previous	previous	ADJ
fsr-3530	30	2	studies	study	NOUN
fsr-3530	30	3	on	on	ADP
fsr-3530	30	4	cryptocurrency	cryptocurrency	NOUN
fsr-3530	30	5	investments	investment	NOUN
fsr-3530	30	6	while	while	SCONJ
fsr-3530	30	7	cryptocurrency	cryptocurrency	NOUN
fsr-3530	30	8	is	be	AUX
fsr-3530	30	9	labeled	label	VERB
fsr-3530	30	10	“	"	PUNCT
fsr-3530	30	11	currency	currency	NOUN
fsr-3530	30	12	,	,	PUNCT
fsr-3530	30	13	”	"	PUNCT
fsr-3530	30	14	the	the	DET
fsr-3530	30	15	actual	actual	ADJ
fsr-3530	30	16	adoption	adoption	NOUN
fsr-3530	30	17	of	of	ADP
fsr-3530	30	18	cryptocurrency	cryptocurrency	NOUN
fsr-3530	30	19	as	as	ADP
fsr-3530	30	20	a	a	DET
fsr-3530	30	21	payment	payment	NOUN
fsr-3530	30	22	method	method	NOUN
fsr-3530	30	23	is	be	AUX
fsr-3530	30	24	still	still	ADV
fsr-3530	30	25	a	a	DET
fsr-3530	30	26	topic	topic	NOUN
fsr-3530	30	27	of	of	ADP
fsr-3530	30	28	discussion	discussion	NOUN
fsr-3530	30	29	.	.	PUNCT
fsr-3530	31	1	cryptocurrency	cryptocurrency	NOUN
fsr-3530	31	2	has	have	VERB
fsr-3530	31	3	advantages	advantage	NOUN
fsr-3530	31	4	such	such	ADJ
fsr-3530	31	5	as	as	ADP
fsr-3530	31	6	confidentiality	confidentiality	NOUN
fsr-3530	31	7	,	,	PUNCT
fsr-3530	31	8	reliability	reliability	NOUN
fsr-3530	31	9	of	of	ADP
fsr-3530	31	10	information	information	NOUN
fsr-3530	31	11	transmission	transmission	NOUN
fsr-3530	31	12	,	,	PUNCT
fsr-3530	31	13	and	and	CCONJ
fsr-3530	31	14	flexible	flexible	ADJ
fsr-3530	31	15	transactions	transaction	NOUN
fsr-3530	31	16	,	,	PUNCT
fsr-3530	31	17	but	but	CCONJ
fsr-3530	31	18	drawbacks	drawback	NOUN
fsr-3530	31	19	such	such	ADJ
fsr-3530	31	20	as	as	ADP
fsr-3530	31	21	significant	significant	ADJ
fsr-3530	31	22	volatility	volatility	NOUN
fsr-3530	31	23	,	,	PUNCT
fsr-3530	31	24	lack	lack	NOUN
fsr-3530	31	25	of	of	ADP
fsr-3530	31	26	organized	organized	ADJ
fsr-3530	31	27	platforms	platform	NOUN
fsr-3530	31	28	,	,	PUNCT
fsr-3530	31	29	and	and	CCONJ
fsr-3530	31	30	the	the	DET
fsr-3530	31	31	difficulty	difficulty	NOUN
fsr-3530	31	32	of	of	ADP
fsr-3530	31	33	projection	projection	NOUN
fsr-3530	31	34	hinder	hinder	NOUN
fsr-3530	31	35	it	it	PRON
fsr-3530	31	36	from	from	ADP
fsr-3530	31	37	being	be	AUX
fsr-3530	31	38	integrated	integrate	VERB
fsr-3530	31	39	to	to	ADP
fsr-3530	31	40	the	the	DET
fsr-3530	31	41	global	global	ADJ
fsr-3530	31	42	financial	financial	ADJ
fsr-3530	31	43	market	market	NOUN
fsr-3530	31	44	(	(	PUNCT
fsr-3530	31	45	tasca	tasca	PROPN
fsr-3530	31	46	et	et	PROPN
fsr-3530	31	47	al	al	PROPN
fsr-3530	31	48	.	.	PROPN
fsr-3530	31	49	,	,	PUNCT
fsr-3530	31	50	2018	2018	NUM
fsr-3530	31	51	;	;	PUNCT
fsr-3530	31	52	titov	titov	NOUN
fsr-3530	31	53	et	et	PROPN
fsr-3530	31	54	al	al	PROPN
fsr-3530	31	55	.	.	PROPN
fsr-3530	31	56	,	,	PUNCT
fsr-3530	31	57	2021	2021	NUM
fsr-3530	31	58	)	)	PUNCT
fsr-3530	31	59	.	.	PUNCT
fsr-3530	32	1	cryptocurrency	cryptocurrency	NOUN
fsr-3530	32	2	has	have	AUX
fsr-3530	32	3	also	also	ADV
fsr-3530	32	4	gained	gain	VERB
fsr-3530	32	5	a	a	DET
fsr-3530	32	6	tremendous	tremendous	ADJ
fsr-3530	32	7	amount	amount	NOUN
fsr-3530	32	8	of	of	ADP
fsr-3530	32	9	attention	attention	NOUN
fsr-3530	32	10	as	as	ADP
fsr-3530	32	11	an	an	DET
fsr-3530	32	12	investment	investment	NOUN
fsr-3530	32	13	vehicle	vehicle	NOUN
fsr-3530	32	14	.	.	PUNCT
fsr-3530	33	1	chuen	chuen	PROPN
fsr-3530	33	2	et	et	PROPN
fsr-3530	33	3	al	al	PROPN
fsr-3530	33	4	.	.	PROPN
fsr-3530	34	1	(	(	PUNCT
fsr-3530	34	2	2017	2017	NUM
fsr-3530	34	3	)	)	PUNCT
fsr-3530	34	4	argued	argue	VERB
fsr-3530	34	5	that	that	SCONJ
fsr-3530	34	6	due	due	ADP
fsr-3530	34	7	to	to	ADP
fsr-3530	34	8	low	low	ADJ
fsr-3530	34	9	correlation	correlation	NOUN
fsr-3530	34	10	between	between	ADP
fsr-3530	34	11	cryptocurrencies	cryptocurrencie	NOUN
fsr-3530	34	12	and	and	CCONJ
fsr-3530	34	13	traditional	traditional	ADJ
fsr-3530	34	14	assets	asset	NOUN
fsr-3530	34	15	as	as	ADV
fsr-3530	34	16	well	well	ADV
fsr-3530	34	17	as	as	ADP
fsr-3530	34	18	the	the	DET
fsr-3530	34	19	higher	high	ADJ
fsr-3530	34	20	daily	daily	ADJ
fsr-3530	34	21	expected	expect	VERB
fsr-3530	34	22	return	return	NOUN
fsr-3530	34	23	of	of	ADP
fsr-3530	34	24	the	the	DET
fsr-3530	34	25	former	former	ADJ
fsr-3530	34	26	option	option	NOUN
fsr-3530	34	27	,	,	PUNCT
fsr-3530	34	28	investing	invest	VERB
fsr-3530	34	29	in	in	ADP
fsr-3530	34	30	122	122	NUM
fsr-3530	34	31	k.	k.	NOUN
fsr-3530	34	32	t.	t.	PROPN
fsr-3530	34	33	kim	kim	PROPN
fsr-3530	34	34	et	et	PROPN
fsr-3530	34	35	al	al	PROPN
fsr-3530	34	36	.	.	PUNCT
fsr-3530	34	37	/	/	SYM
fsr-3530	34	38	financial	financial	ADJ
fsr-3530	34	39	services	service	NOUN
fsr-3530	34	40	review	review	VERB
fsr-3530	34	41	31	31	NUM
fsr-3530	34	42	(	(	PUNCT
fsr-3530	34	43	2023	2023	NUM
fsr-3530	34	44	)	)	PUNCT
fsr-3530	34	45	121–132	121–132	NUM
fsr-3530	34	46	cryptocurrencies	cryptocurrencie	NOUN
fsr-3530	34	47	could	could	AUX
fsr-3530	34	48	help	help	VERB
fsr-3530	34	49	one	one	NUM
fsr-3530	34	50	diversify	diversify	VERB
fsr-3530	34	51	their	their	PRON
fsr-3530	34	52	portfolio	portfolio	NOUN
fsr-3530	34	53	risks	risk	NOUN
fsr-3530	34	54	.	.	PUNCT
fsr-3530	35	1	when	when	SCONJ
fsr-3530	35	2	examined	examine	VERB
fsr-3530	35	3	as	as	ADP
fsr-3530	35	4	a	a	DET
fsr-3530	35	5	form	form	NOUN
fsr-3530	35	6	of	of	ADP
fsr-3530	35	7	financial	financial	ADJ
fsr-3530	35	8	asset	asset	NOUN
fsr-3530	35	9	,	,	PUNCT
fsr-3530	35	10	cryptocurrency	cryptocurrency	NOUN
fsr-3530	35	11	presented	present	VERB
fsr-3530	35	12	quite	quite	ADV
fsr-3530	35	13	similar	similar	ADJ
fsr-3530	35	14	dynamics	dynamic	NOUN
fsr-3530	35	15	to	to	ADP
fsr-3530	35	16	stock	stock	NOUN
fsr-3530	35	17	investments	investment	NOUN
fsr-3530	35	18	(	(	PUNCT
fsr-3530	35	19	liang	liang	PROPN
fsr-3530	35	20	et	et	PROPN
fsr-3530	35	21	al	al	PROPN
fsr-3530	35	22	.	.	PROPN
fsr-3530	35	23	,	,	PUNCT
fsr-3530	35	24	2019	2019	NUM
fsr-3530	35	25	)	)	PUNCT
fsr-3530	35	26	.	.	PUNCT
fsr-3530	36	1	previous	previous	ADJ
fsr-3530	36	2	studies	study	NOUN
fsr-3530	36	3	have	have	AUX
fsr-3530	36	4	documented	document	VERB
fsr-3530	36	5	several	several	ADJ
fsr-3530	36	6	factors	factor	NOUN
fsr-3530	36	7	related	relate	VERB
fsr-3530	36	8	to	to	ADP
fsr-3530	36	9	cryptocurrency	cryptocurrency	NOUN
fsr-3530	36	10	investments	investment	NOUN
fsr-3530	36	11	.	.	PUNCT
fsr-3530	37	1	socio	socio	NOUN
fsr-3530	37	2	-	-	ADJ
fsr-3530	37	3	demographic	demographic	ADJ
fsr-3530	37	4	factors	factor	NOUN
fsr-3530	37	5	such	such	ADJ
fsr-3530	37	6	as	as	ADP
fsr-3530	37	7	age	age	NOUN
fsr-3530	37	8	,	,	PUNCT
fsr-3530	37	9	gender	gender	NOUN
fsr-3530	37	10	,	,	PUNCT
fsr-3530	37	11	and	and	CCONJ
fsr-3530	37	12	education	education	NOUN
fsr-3530	37	13	were	be	AUX
fsr-3530	37	14	correlated	correlate	VERB
fsr-3530	37	15	to	to	PART
fsr-3530	37	16	cryptocurrency	cryptocurrency	VERB
fsr-3530	37	17	investment	investment	NOUN
fsr-3530	37	18	(	(	PUNCT
fsr-3530	37	19	ante	ante	NOUN
fsr-3530	37	20	et	et	PROPN
fsr-3530	37	21	al	al	PROPN
fsr-3530	37	22	.	.	PROPN
fsr-3530	37	23	,	,	PUNCT
fsr-3530	37	24	2022	2022	NUM
fsr-3530	37	25	;	;	PUNCT
fsr-3530	37	26	hasso	hasso	PROPN
fsr-3530	37	27	et	et	PROPN
fsr-3530	37	28	al	al	PROPN
fsr-3530	37	29	.	.	PROPN
fsr-3530	37	30	,	,	PUNCT
fsr-3530	37	31	2019	2019	NUM
fsr-3530	37	32	;	;	PUNCT
fsr-3530	37	33	henry	henry	PROPN
fsr-3530	37	34	et	et	PROPN
fsr-3530	37	35	al	al	PROPN
fsr-3530	37	36	.	.	PROPN
fsr-3530	37	37	,	,	PUNCT
fsr-3530	37	38	2018	2018	NUM
fsr-3530	37	39	)	)	PUNCT
fsr-3530	37	40	.	.	PUNCT
fsr-3530	38	1	since	since	SCONJ
fsr-3530	38	2	cryptocurrency	cryptocurrency	NOUN
fsr-3530	38	3	is	be	AUX
fsr-3530	38	4	based	base	VERB
fsr-3530	38	5	on	on	ADP
fsr-3530	38	6	a	a	DET
fsr-3530	38	7	cutting	cut	VERB
fsr-3530	38	8	-	-	PUNCT
fsr-3530	38	9	edge	edge	NOUN
fsr-3530	38	10	technological	technological	ADJ
fsr-3530	38	11	innovation	innovation	NOUN
fsr-3530	38	12	,	,	PUNCT
fsr-3530	38	13	many	many	ADJ
fsr-3530	38	14	studies	study	NOUN
fsr-3530	38	15	have	have	AUX
fsr-3530	38	16	also	also	ADV
fsr-3530	38	17	used	use	VERB
fsr-3530	38	18	the	the	DET
fsr-3530	38	19	technology	technology	NOUN
fsr-3530	38	20	acceptance	acceptance	NOUN
fsr-3530	38	21	model	model	NOUN
fsr-3530	38	22	as	as	ADP
fsr-3530	38	23	a	a	DET
fsr-3530	38	24	theoretical	theoretical	ADJ
fsr-3530	38	25	background	background	NOUN
fsr-3530	38	26	for	for	ADP
fsr-3530	38	27	cryptocurrency	cryptocurrency	NOUN
fsr-3530	38	28	investment	investment	NOUN
fsr-3530	38	29	.	.	PUNCT
fsr-3530	39	1	studies	study	NOUN
fsr-3530	39	2	confirmed	confirm	VERB
fsr-3530	39	3	that	that	SCONJ
fsr-3530	39	4	the	the	DET
fsr-3530	39	5	new	new	ADJ
fsr-3530	39	6	technology	technology	NOUN
fsr-3530	39	7	’s	’s	PART
fsr-3530	39	8	perceived	perceive	VERB
fsr-3530	39	9	usefulness	usefulness	NOUN
fsr-3530	39	10	and	and	CCONJ
fsr-3530	39	11	ease	ease	NOUN
fsr-3530	39	12	of	of	ADP
fsr-3530	39	13	use	use	NOUN
fsr-3530	39	14	as	as	ADV
fsr-3530	39	15	well	well	ADV
fsr-3530	39	16	as	as	ADP
fsr-3530	39	17	the	the	DET
fsr-3530	39	18	risk	risk	NOUN
fsr-3530	39	19	associated	associate	VERB
fsr-3530	39	20	with	with	ADP
fsr-3530	39	21	it	it	PRON
fsr-3530	39	22	affect	affect	VERB
fsr-3530	39	23	one	one	NUM
fsr-3530	39	24	’s	’s	PART
fsr-3530	39	25	intention	intention	NOUN
fsr-3530	39	26	to	to	PART
fsr-3530	39	27	utilize	utilize	VERB
fsr-3530	39	28	cryptocurrency	cryptocurrency	NOUN
fsr-3530	39	29	(	(	PUNCT
fsr-3530	39	30	arias	arias	PROPN
fsr-3530	39	31	-	-	PUNCT
fsr-3530	39	32	oliva	oliva	PROPN
fsr-3530	39	33	et	et	PROPN
fsr-3530	39	34	al	al	PROPN
fsr-3530	39	35	.	.	PROPN
fsr-3530	39	36	,	,	PUNCT
fsr-3530	39	37	2019	2019	NUM
fsr-3530	39	38	;	;	PUNCT
fsr-3530	39	39	bharadwaj	bharadwaj	PROPN
fsr-3530	39	40	&	&	CCONJ
fsr-3530	39	41	deka	deka	NOUN
fsr-3530	39	42	,	,	PUNCT
fsr-3530	39	43	2021	2021	NUM
fsr-3530	39	44	)	)	PUNCT
fsr-3530	39	45	.	.	PUNCT
fsr-3530	40	1	one	one	NUM
fsr-3530	40	2	phenomenon	phenomenon	NOUN
fsr-3530	40	3	that	that	PRON
fsr-3530	40	4	might	might	AUX
fsr-3530	40	5	be	be	AUX
fsr-3530	40	6	related	relate	VERB
fsr-3530	40	7	to	to	ADP
fsr-3530	40	8	the	the	DET
fsr-3530	40	9	growth	growth	NOUN
fsr-3530	40	10	of	of	ADP
fsr-3530	40	11	cryptocurrency	cryptocurrency	NOUN
fsr-3530	40	12	investment	investment	NOUN
fsr-3530	40	13	is	be	AUX
fsr-3530	40	14	the	the	DET
fsr-3530	40	15	bandwagon	bandwagon	NOUN
fsr-3530	40	16	effect	effect	NOUN
fsr-3530	40	17	,	,	PUNCT
fsr-3530	40	18	or	or	CCONJ
fsr-3530	40	19	herding	herding	NOUN
fsr-3530	40	20	behavior	behavior	NOUN
fsr-3530	40	21	(	(	PUNCT
fsr-3530	40	22	avital	avital	PROPN
fsr-3530	40	23	et	et	PROPN
fsr-3530	40	24	al	al	PROPN
fsr-3530	40	25	.	.	PROPN
fsr-3530	40	26	,	,	PUNCT
fsr-3530	40	27	2016	2016	NUM
fsr-3530	40	28	;	;	PUNCT
fsr-3530	40	29	bouri	bouri	PROPN
fsr-3530	40	30	et	et	PROPN
fsr-3530	40	31	al	al	PROPN
fsr-3530	40	32	.	.	PROPN
fsr-3530	40	33	,	,	PUNCT
fsr-3530	40	34	2019	2019	NUM
fsr-3530	40	35	;	;	PUNCT
fsr-3530	40	36	da	da	PROPN
fsr-3530	40	37	gama	gama	PROPN
fsr-3530	40	38	silva	silva	PROPN
fsr-3530	40	39	et	et	PROPN
fsr-3530	40	40	al	al	PROPN
fsr-3530	40	41	.	.	PROPN
fsr-3530	40	42	,	,	PUNCT
fsr-3530	40	43	2019	2019	NUM
fsr-3530	40	44	)	)	PUNCT
fsr-3530	40	45	.	.	PUNCT
fsr-3530	41	1	herding	herd	VERB
fsr-3530	41	2	behavior	behavior	NOUN
fsr-3530	41	3	combined	combine	VERB
fsr-3530	41	4	with	with	ADP
fsr-3530	41	5	the	the	DET
fsr-3530	41	6	subsequent	subsequent	ADJ
fsr-3530	41	7	high	high	ADJ
fsr-3530	41	8	volatility	volatility	NOUN
fsr-3530	41	9	could	could	AUX
fsr-3530	41	10	pose	pose	VERB
fsr-3530	41	11	significant	significant	ADJ
fsr-3530	41	12	risks	risk	NOUN
fsr-3530	41	13	on	on	ADP
fsr-3530	41	14	the	the	DET
fsr-3530	41	15	financial	financial	ADJ
fsr-3530	41	16	stability	stability	NOUN
fsr-3530	41	17	of	of	ADP
fsr-3530	41	18	the	the	DET
fsr-3530	41	19	cryptocurrency	cryptocurrency	NOUN
fsr-3530	41	20	investors	investor	NOUN
fsr-3530	41	21	.	.	PUNCT
fsr-3530	42	1	thus	thus	ADV
fsr-3530	42	2	,	,	PUNCT
fsr-3530	42	3	it	it	PRON
fsr-3530	42	4	calls	call	VERB
fsr-3530	42	5	for	for	ADP
fsr-3530	42	6	a	a	DET
fsr-3530	42	7	cautious	cautious	ADJ
fsr-3530	42	8	approach	approach	NOUN
fsr-3530	42	9	to	to	ADP
fsr-3530	42	10	cryptocurrency	cryptocurrency	NOUN
fsr-3530	42	11	investment	investment	NOUN
fsr-3530	42	12	and	and	CCONJ
fsr-3530	42	13	emphasizes	emphasize	VERB
fsr-3530	42	14	the	the	DET
fsr-3530	42	15	importance	importance	NOUN
fsr-3530	42	16	of	of	ADP
fsr-3530	42	17	understanding	understanding	NOUN
fsr-3530	42	18	whether	whether	SCONJ
fsr-3530	42	19	investors	investor	NOUN
fsr-3530	42	20	selected	select	VERB
fsr-3530	42	21	cryptocurrency	cryptocurrency	NOUN
fsr-3530	42	22	as	as	ADP
fsr-3530	42	23	an	an	DET
fsr-3530	42	24	investment	investment	NOUN
fsr-3530	42	25	vehicle	vehicle	NOUN
fsr-3530	42	26	are	be	AUX
fsr-3530	42	27	capable	capable	ADJ
fsr-3530	42	28	of	of	ADP
fsr-3530	42	29	understanding	understand	VERB
fsr-3530	42	30	complex	complex	ADJ
fsr-3530	42	31	dynamic	dynamic	NOUN
fsr-3530	42	32	and	and	CCONJ
fsr-3530	42	33	the	the	DET
fsr-3530	42	34	potential	potential	ADJ
fsr-3530	42	35	consequences	consequence	NOUN
fsr-3530	42	36	of	of	ADP
fsr-3530	42	37	their	their	PRON
fsr-3530	42	38	choices	choice	NOUN
fsr-3530	42	39	.	.	PUNCT
fsr-3530	43	1	2.2	2.2	NUM
fsr-3530	43	2	.	.	PUNCT
fsr-3530	43	3	financial	financial	ADJ
fsr-3530	43	4	literacy	literacy	NOUN
fsr-3530	43	5	and	and	CCONJ
fsr-3530	43	6	investment	investment	NOUN
fsr-3530	43	7	decisions	decision	NOUN
fsr-3530	43	8	unlike	unlike	ADP
fsr-3530	43	9	what	what	PRON
fsr-3530	43	10	traditional	traditional	ADJ
fsr-3530	43	11	economists	economist	NOUN
fsr-3530	43	12	have	have	AUX
fsr-3530	43	13	assumed	assume	VERB
fsr-3530	43	14	and	and	CCONJ
fsr-3530	43	15	approached	approach	VERB
fsr-3530	43	16	,	,	PUNCT
fsr-3530	43	17	many	many	ADJ
fsr-3530	43	18	studies	study	NOUN
fsr-3530	43	19	present	present	VERB
fsr-3530	43	20	evidence	evidence	NOUN
fsr-3530	43	21	that	that	SCONJ
fsr-3530	43	22	investors	investor	NOUN
fsr-3530	43	23	are	be	AUX
fsr-3530	43	24	functioning	function	VERB
fsr-3530	43	25	under	under	ADP
fsr-3530	43	26	bounded	bounded	ADJ
fsr-3530	43	27	rationality	rationality	NOUN
fsr-3530	43	28	(	(	PUNCT
fsr-3530	43	29	de	de	X
fsr-3530	43	30	bondt	bondt	PROPN
fsr-3530	43	31	et	et	PROPN
fsr-3530	43	32	al	al	PROPN
fsr-3530	43	33	.	.	PROPN
fsr-3530	43	34	,	,	PUNCT
fsr-3530	43	35	2008	2008	NUM
fsr-3530	43	36	)	)	PUNCT
fsr-3530	43	37	.	.	PUNCT
fsr-3530	44	1	the	the	DET
fsr-3530	44	2	theory	theory	NOUN
fsr-3530	44	3	of	of	ADP
fsr-3530	44	4	bounded	bounded	ADJ
fsr-3530	44	5	rationality	rationality	NOUN
fsr-3530	44	6	(	(	PUNCT
fsr-3530	44	7	simon	simon	PROPN
fsr-3530	44	8	,	,	PUNCT
fsr-3530	44	9	2000	2000	NUM
fsr-3530	44	10	)	)	PUNCT
fsr-3530	44	11	posits	posit	NOUN
fsr-3530	44	12	that	that	PRON
fsr-3530	44	13	individuals	individual	NOUN
fsr-3530	44	14	have	have	AUX
fsr-3530	44	15	limited	limit	VERB
fsr-3530	44	16	ability	ability	NOUN
fsr-3530	44	17	to	to	PART
fsr-3530	44	18	assess	assess	VERB
fsr-3530	44	19	given	give	VERB
fsr-3530	44	20	information	information	NOUN
fsr-3530	44	21	and	and	CCONJ
fsr-3530	44	22	make	make	VERB
fsr-3530	44	23	optimal	optimal	ADJ
fsr-3530	44	24	decisions	decision	NOUN
fsr-3530	44	25	.	.	PUNCT
fsr-3530	45	1	this	this	PRON
fsr-3530	45	2	is	be	AUX
fsr-3530	45	3	mainly	mainly	ADV
fsr-3530	45	4	due	due	ADJ
fsr-3530	45	5	to	to	ADP
fsr-3530	45	6	the	the	DET
fsr-3530	45	7	complexity	complexity	NOUN
fsr-3530	45	8	of	of	ADP
fsr-3530	45	9	environments	environment	NOUN
fsr-3530	45	10	,	,	PUNCT
fsr-3530	45	11	limited	limited	ADJ
fsr-3530	45	12	mental	mental	ADJ
fsr-3530	45	13	capacity	capacity	NOUN
fsr-3530	45	14	,	,	PUNCT
fsr-3530	45	15	and	and	CCONJ
fsr-3530	45	16	limited	limited	ADJ
fsr-3530	45	17	resources	resource	NOUN
fsr-3530	45	18	(	(	PUNCT
fsr-3530	45	19	ibrahim	ibrahim	NOUN
fsr-3530	45	20	,	,	PUNCT
fsr-3530	45	21	2009	2009	NUM
fsr-3530	45	22	)	)	PUNCT
fsr-3530	45	23	.	.	PUNCT
fsr-3530	46	1	financial	financial	ADJ
fsr-3530	46	2	literacy	literacy	NOUN
fsr-3530	46	3	is	be	AUX
fsr-3530	46	4	a	a	DET
fsr-3530	46	5	measure	measure	NOUN
fsr-3530	46	6	of	of	ADP
fsr-3530	46	7	individuals	individual	NOUN
fsr-3530	46	8	’	'	PUNCT
fsr-3530	46	9	ability	ability	NOUN
fsr-3530	46	10	to	to	PART
fsr-3530	46	11	understand	understand	VERB
fsr-3530	46	12	situations	situation	NOUN
fsr-3530	46	13	and	and	CCONJ
fsr-3530	46	14	make	make	VERB
fsr-3530	46	15	optimal	optimal	ADJ
fsr-3530	46	16	financial	financial	ADJ
fsr-3530	46	17	decisions	decision	NOUN
fsr-3530	46	18	based	base	VERB
fsr-3530	46	19	on	on	ADP
fsr-3530	46	20	their	their	PRON
fsr-3530	46	21	assessments	assessment	NOUN
fsr-3530	46	22	(	(	PUNCT
fsr-3530	46	23	seay	seay	PROPN
fsr-3530	46	24	et	et	PROPN
fsr-3530	46	25	al	al	PROPN
fsr-3530	46	26	.	.	PROPN
fsr-3530	46	27	,	,	PUNCT
fsr-3530	46	28	2017	2017	NUM
fsr-3530	46	29	)	)	PUNCT
fsr-3530	46	30	.	.	PUNCT
fsr-3530	47	1	therefore	therefore	ADV
fsr-3530	47	2	,	,	PUNCT
fsr-3530	47	3	those	those	PRON
fsr-3530	47	4	with	with	ADP
fsr-3530	47	5	higher	high	ADJ
fsr-3530	47	6	financial	financial	ADJ
fsr-3530	47	7	literacy	literacy	NOUN
fsr-3530	47	8	would	would	AUX
fsr-3530	47	9	behave	behave	VERB
fsr-3530	47	10	in	in	ADP
fsr-3530	47	11	a	a	DET
fsr-3530	47	12	more	more	ADV
fsr-3530	47	13	appropriate	appropriate	ADJ
fsr-3530	47	14	manner	manner	NOUN
fsr-3530	47	15	,	,	PUNCT
fsr-3530	47	16	and	and	CCONJ
fsr-3530	47	17	financial	financial	ADJ
fsr-3530	47	18	mistakes	mistake	NOUN
fsr-3530	47	19	would	would	AUX
fsr-3530	47	20	be	be	AUX
fsr-3530	47	21	more	more	ADV
fsr-3530	47	22	common	common	ADJ
fsr-3530	47	23	among	among	ADP
fsr-3530	47	24	the	the	DET
fsr-3530	47	25	financially	financially	ADV
fsr-3530	47	26	illiterate	illiterate	ADJ
fsr-3530	47	27	people	people	NOUN
fsr-3530	47	28	.	.	PUNCT
fsr-3530	48	1	enhancing	enhance	VERB
fsr-3530	48	2	financial	financial	ADJ
fsr-3530	48	3	literacy	literacy	NOUN
fsr-3530	48	4	could	could	AUX
fsr-3530	48	5	help	help	VERB
fsr-3530	48	6	reduce	reduce	VERB
fsr-3530	48	7	the	the	DET
fsr-3530	48	8	probability	probability	NOUN
fsr-3530	48	9	of	of	ADP
fsr-3530	48	10	a	a	DET
fsr-3530	48	11	major	major	ADJ
fsr-3530	48	12	systematic	systematic	ADJ
fsr-3530	48	13	financial	financial	ADJ
fsr-3530	48	14	crisis	crisis	NOUN
fsr-3530	48	15	due	due	ADP
fsr-3530	48	16	to	to	ADP
fsr-3530	48	17	bounded	bound	VERB
fsr-3530	48	18	rationality	rationality	NOUN
fsr-3530	48	19	(	(	PUNCT
fsr-3530	48	20	siriopoulos	siriopoulos	ADV
fsr-3530	48	21	,	,	PUNCT
fsr-3530	48	22	2021	2021	NUM
fsr-3530	48	23	)	)	PUNCT
fsr-3530	48	24	.	.	PUNCT
fsr-3530	49	1	grounded	ground	VERB
fsr-3530	49	2	within	within	ADP
fsr-3530	49	3	the	the	DET
fsr-3530	49	4	theory	theory	NOUN
fsr-3530	49	5	of	of	ADP
fsr-3530	49	6	bounded	bounded	ADJ
fsr-3530	49	7	rationality	rationality	NOUN
fsr-3530	49	8	,	,	PUNCT
fsr-3530	49	9	previous	previous	ADJ
fsr-3530	49	10	studies	study	NOUN
fsr-3530	49	11	have	have	AUX
fsr-3530	49	12	documented	document	VERB
fsr-3530	49	13	the	the	DET
fsr-3530	49	14	positive	positive	ADJ
fsr-3530	49	15	link	link	NOUN
fsr-3530	49	16	between	between	ADP
fsr-3530	49	17	financial	financial	ADJ
fsr-3530	49	18	literacy	literacy	NOUN
fsr-3530	49	19	and	and	CCONJ
fsr-3530	49	20	various	various	ADJ
fsr-3530	49	21	financial	financial	ADJ
fsr-3530	49	22	outcomes	outcome	NOUN
fsr-3530	49	23	including	include	VERB
fsr-3530	49	24	stock	stock	NOUN
fsr-3530	49	25	ownership	ownership	NOUN
fsr-3530	49	26	(	(	PUNCT
fsr-3530	49	27	kimball	kimball	PROPN
fsr-3530	49	28	&	&	CCONJ
fsr-3530	49	29	shumway	shumway	PROPN
fsr-3530	49	30	,	,	PUNCT
fsr-3530	49	31	2006	2006	NUM
fsr-3530	49	32	;	;	PUNCT
fsr-3530	49	33	van	van	PROPN
fsr-3530	49	34	rooij	rooij	NOUN
fsr-3530	49	35	et	et	PROPN
fsr-3530	49	36	al	al	PROPN
fsr-3530	49	37	.	.	PROPN
fsr-3530	49	38	2011	2011	NUM
fsr-3530	49	39	)	)	PUNCT
fsr-3530	49	40	,	,	PUNCT
fsr-3530	49	41	diversification	diversification	NOUN
fsr-3530	49	42	(	(	PUNCT
fsr-3530	49	43	goetzmann	goetzmann	PROPN
fsr-3530	49	44	&	&	CCONJ
fsr-3530	49	45	kumar	kumar	PROPN
fsr-3530	49	46	,	,	PUNCT
fsr-3530	49	47	2008	2008	NUM
fsr-3530	49	48	;	;	PUNCT
fsr-3530	49	49	guiso	guiso	PROPN
fsr-3530	49	50	&	&	CCONJ
fsr-3530	49	51	jappelli	jappelli	PROPN
fsr-3530	49	52	,	,	PUNCT
fsr-3530	49	53	2008	2008	NUM
fsr-3530	49	54	;	;	PUNCT
fsr-3530	49	55	shin	shin	PROPN
fsr-3530	49	56	et	et	PROPN
fsr-3530	49	57	al	al	PROPN
fsr-3530	49	58	.	.	PROPN
fsr-3530	49	59	,	,	PUNCT
fsr-3530	49	60	2020	2020	NUM
fsr-3530	49	61	)	)	PUNCT
fsr-3530	49	62	,	,	PUNCT
fsr-3530	49	63	wealth	wealth	NOUN
fsr-3530	49	64	accumulation	accumulation	NOUN
fsr-3530	49	65	and	and	CCONJ
fsr-3530	49	66	planning	planning	NOUN
fsr-3530	49	67	for	for	ADP
fsr-3530	49	68	retirement	retirement	NOUN
fsr-3530	49	69	(	(	PUNCT
fsr-3530	49	70	lusardi	lusardi	PROPN
fsr-3530	49	71	&	&	CCONJ
fsr-3530	49	72	mitchell	mitchell	PROPN
fsr-3530	49	73	,	,	PUNCT
fsr-3530	49	74	2007	2007	NUM
fsr-3530	49	75	)	)	PUNCT
fsr-3530	49	76	.	.	PUNCT
fsr-3530	50	1	cryptocurrency	cryptocurrency	NOUN
fsr-3530	50	2	investment	investment	NOUN
fsr-3530	50	3	is	be	AUX
fsr-3530	50	4	one	one	NUM
fsr-3530	50	5	of	of	ADP
fsr-3530	50	6	the	the	DET
fsr-3530	50	7	complex	complex	ADJ
fsr-3530	50	8	financial	financial	ADJ
fsr-3530	50	9	decisions	decision	NOUN
fsr-3530	50	10	which	which	PRON
fsr-3530	50	11	would	would	AUX
fsr-3530	50	12	require	require	VERB
fsr-3530	50	13	one	one	NUM
fsr-3530	50	14	’s	’s	PART
fsr-3530	50	15	understanding	understanding	NOUN
fsr-3530	50	16	of	of	ADP
fsr-3530	50	17	the	the	DET
fsr-3530	50	18	concept	concept	NOUN
fsr-3530	50	19	and	and	CCONJ
fsr-3530	50	20	characteristics	characteristic	NOUN
fsr-3530	50	21	of	of	ADP
fsr-3530	50	22	cryptocurrency	cryptocurrency	NOUN
fsr-3530	50	23	and	and	CCONJ
fsr-3530	50	24	relatively	relatively	ADV
fsr-3530	50	25	unique	unique	ADJ
fsr-3530	50	26	procedures	procedure	NOUN
fsr-3530	50	27	of	of	ADP
fsr-3530	50	28	investment	investment	NOUN
fsr-3530	50	29	,	,	PUNCT
fsr-3530	50	30	but	but	CCONJ
fsr-3530	50	31	there	there	PRON
fsr-3530	50	32	have	have	AUX
fsr-3530	50	33	been	be	AUX
fsr-3530	50	34	few	few	ADJ
fsr-3530	50	35	studies	study	NOUN
fsr-3530	50	36	conducted	conduct	VERB
fsr-3530	50	37	on	on	ADP
fsr-3530	50	38	the	the	DET
fsr-3530	50	39	link	link	NOUN
fsr-3530	50	40	between	between	ADP
fsr-3530	50	41	cryptocurrency	cryptocurrency	NOUN
fsr-3530	50	42	and	and	CCONJ
fsr-3530	50	43	financial	financial	ADJ
fsr-3530	50	44	literacy	literacy	NOUN
fsr-3530	50	45	(	(	PUNCT
fsr-3530	50	46	arias	arias	PROPN
fsr-3530	50	47	-	-	PUNCT
fsr-3530	50	48	oliva	oliva	PROPN
fsr-3530	50	49	et	et	PROPN
fsr-3530	50	50	al	al	PROPN
fsr-3530	50	51	.	.	PROPN
fsr-3530	50	52	,	,	PUNCT
fsr-3530	50	53	2019	2019	NUM
fsr-3530	50	54	;	;	PUNCT
fsr-3530	50	55	zhao	zhao	PROPN
fsr-3530	50	56	&	&	CCONJ
fsr-3530	50	57	zhang	zhang	PROPN
fsr-3530	50	58	,	,	PUNCT
fsr-3530	50	59	2021	2021	NUM
fsr-3530	50	60	)	)	PUNCT
fsr-3530	50	61	.	.	PUNCT
fsr-3530	51	1	financial	financial	ADJ
fsr-3530	51	2	literacy	literacy	NOUN
fsr-3530	51	3	has	have	AUX
fsr-3530	51	4	been	be	AUX
fsr-3530	51	5	conceptualized	conceptualize	VERB
fsr-3530	51	6	as	as	ADP
fsr-3530	51	7	objective	objective	ADJ
fsr-3530	51	8	and	and	CCONJ
fsr-3530	51	9	subjective	subjective	ADJ
fsr-3530	51	10	measures	measure	NOUN
fsr-3530	51	11	,	,	PUNCT
fsr-3530	51	12	where	where	SCONJ
fsr-3530	51	13	objective	objective	ADJ
fsr-3530	51	14	financial	financial	ADJ
fsr-3530	51	15	literacy	literacy	NOUN
fsr-3530	51	16	indicates	indicate	VERB
fsr-3530	51	17	one	one	NUM
fsr-3530	51	18	’s	’s	PART
fsr-3530	51	19	actual	actual	ADJ
fsr-3530	51	20	understanding	understanding	NOUN
fsr-3530	51	21	of	of	ADP
fsr-3530	51	22	financial	financial	ADJ
fsr-3530	51	23	concepts	concept	NOUN
fsr-3530	51	24	while	while	SCONJ
fsr-3530	51	25	subjective	subjective	ADJ
fsr-3530	51	26	financial	financial	ADJ
fsr-3530	51	27	literacy	literacy	NOUN
fsr-3530	51	28	refers	refer	VERB
fsr-3530	51	29	to	to	ADP
fsr-3530	51	30	one	one	NUM
fsr-3530	51	31	’s	’s	PART
fsr-3530	51	32	perceived	perceive	VERB
fsr-3530	51	33	understanding	understanding	NOUN
fsr-3530	51	34	of	of	ADP
fsr-3530	51	35	the	the	DET
fsr-3530	51	36	matter	matter	NOUN
fsr-3530	51	37	k.	k.	PROPN
fsr-3530	51	38	t.	t.	PROPN
fsr-3530	51	39	kim	kim	PROPN
fsr-3530	51	40	et	et	PROPN
fsr-3530	51	41	al	al	PROPN
fsr-3530	51	42	.	.	PUNCT
fsr-3530	51	43	/	/	SYM
fsr-3530	51	44	financial	financial	ADJ
fsr-3530	51	45	services	service	NOUN
fsr-3530	51	46	review	review	VERB
fsr-3530	51	47	31	31	NUM
fsr-3530	51	48	(	(	PUNCT
fsr-3530	51	49	2023	2023	NUM
fsr-3530	51	50	)	)	PUNCT
fsr-3530	51	51	121–132	121–132	NUM
fsr-3530	51	52	123	123	NUM
fsr-3530	51	53	(	(	PUNCT
fsr-3530	51	54	kim	kim	PROPN
fsr-3530	51	55	et	et	PROPN
fsr-3530	51	56	al	al	PROPN
fsr-3530	51	57	.	.	PROPN
fsr-3530	51	58	,	,	PUNCT
fsr-3530	51	59	2020	2020	NUM
fsr-3530	51	60	;	;	PUNCT
fsr-3530	51	61	robb	robb	VERB
fsr-3530	51	62	et	et	PROPN
fsr-3530	51	63	al	al	PROPN
fsr-3530	51	64	.	.	PROPN
fsr-3530	51	65	,	,	PUNCT
fsr-3530	51	66	2015	2015	NUM
fsr-3530	51	67	)	)	PUNCT
fsr-3530	51	68	.	.	PUNCT
fsr-3530	52	1	objective	objective	ADJ
fsr-3530	52	2	financial	financial	ADJ
fsr-3530	52	3	literacy	literacy	NOUN
fsr-3530	52	4	has	have	AUX
fsr-3530	52	5	been	be	AUX
fsr-3530	52	6	found	find	VERB
fsr-3530	52	7	negatively	negatively	ADV
fsr-3530	52	8	related	relate	VERB
fsr-3530	52	9	to	to	ADP
fsr-3530	52	10	cryptocurrency	cryptocurrency	NOUN
fsr-3530	52	11	use	use	NOUN
fsr-3530	52	12	or	or	CCONJ
fsr-3530	52	13	acceptance	acceptance	NOUN
fsr-3530	52	14	(	(	PUNCT
fsr-3530	52	15	zhao	zhao	PROPN
fsr-3530	52	16	&	&	CCONJ
fsr-3530	52	17	zhang	zhang	PROPN
fsr-3530	52	18	,	,	PUNCT
fsr-3530	52	19	2021	2021	NUM
fsr-3530	52	20	)	)	PUNCT
fsr-3530	52	21	while	while	SCONJ
fsr-3530	52	22	subjective	subjective	ADJ
fsr-3530	52	23	financial	financial	ADJ
fsr-3530	52	24	literacy	literacy	NOUN
fsr-3530	52	25	has	have	AUX
fsr-3530	52	26	been	be	AUX
fsr-3530	52	27	found	find	VERB
fsr-3530	52	28	positively	positively	ADV
fsr-3530	52	29	related	relate	VERB
fsr-3530	52	30	to	to	ADP
fsr-3530	52	31	(	(	PUNCT
fsr-3530	52	32	gupta	gupta	PROPN
fsr-3530	52	33	et	et	PROPN
fsr-3530	52	34	al	al	PROPN
fsr-3530	52	35	.	.	PROPN
fsr-3530	52	36	,	,	PUNCT
fsr-3530	52	37	2020	2020	NUM
fsr-3530	52	38	)	)	PUNCT
fsr-3530	52	39	or	or	CCONJ
fsr-3530	52	40	did	do	AUX
fsr-3530	52	41	not	not	PART
fsr-3530	52	42	have	have	VERB
fsr-3530	52	43	a	a	DET
fsr-3530	52	44	statistically	statistically	ADV
fsr-3530	52	45	significant	significant	ADJ
fsr-3530	52	46	relation	relation	NOUN
fsr-3530	52	47	to	to	PART
fsr-3530	52	48	cryptocurrency	cryptocurrency	VERB
fsr-3530	52	49	utilization	utilization	NOUN
fsr-3530	52	50	(	(	PUNCT
fsr-3530	52	51	arias	arias	PROPN
fsr-3530	52	52	-	-	PUNCT
fsr-3530	52	53	oliva	oliva	PROPN
fsr-3530	52	54	et	et	PROPN
fsr-3530	52	55	al	al	PROPN
fsr-3530	52	56	.	.	PROPN
fsr-3530	52	57	,	,	PUNCT
fsr-3530	52	58	2019	2019	NUM
fsr-3530	52	59	)	)	PUNCT
fsr-3530	52	60	.	.	PUNCT
fsr-3530	53	1	based	base	VERB
fsr-3530	53	2	on	on	ADP
fsr-3530	53	3	the	the	DET
fsr-3530	53	4	findings	finding	NOUN
fsr-3530	53	5	from	from	ADP
fsr-3530	53	6	previous	previous	ADJ
fsr-3530	53	7	studies	study	NOUN
fsr-3530	53	8	,	,	PUNCT
fsr-3530	53	9	we	we	PRON
fsr-3530	53	10	constructed	construct	VERB
fsr-3530	53	11	the	the	DET
fsr-3530	53	12	following	follow	VERB
fsr-3530	53	13	two	two	NUM
fsr-3530	53	14	research	research	NOUN
fsr-3530	53	15	hypotheses	hypothesis	NOUN
fsr-3530	53	16	on	on	ADP
fsr-3530	53	17	the	the	DET
fsr-3530	53	18	association	association	NOUN
fsr-3530	53	19	between	between	ADP
fsr-3530	53	20	investment	investment	NOUN
fsr-3530	53	21	literacy	literacy	NOUN
fsr-3530	53	22	and	and	CCONJ
fsr-3530	53	23	cryptocurrency	cryptocurrency	NOUN
fsr-3530	53	24	investment	investment	NOUN
fsr-3530	53	25	.	.	PUNCT
fsr-3530	54	1	hypothesis	hypothesis	NOUN
fsr-3530	54	2	1	1	NUM
fsr-3530	54	3	:	:	PUNCT
fsr-3530	54	4	objective	objective	ADJ
fsr-3530	54	5	investment	investment	NOUN
fsr-3530	54	6	literacy	literacy	NOUN
fsr-3530	54	7	is	be	AUX
fsr-3530	54	8	negatively	negatively	ADV
fsr-3530	54	9	associated	associate	VERB
fsr-3530	54	10	with	with	ADP
fsr-3530	54	11	investing	invest	VERB
fsr-3530	54	12	in	in	ADP
fsr-3530	54	13	cryptocurrency	cryptocurrency	NOUN
fsr-3530	54	14	.	.	PUNCT
fsr-3530	55	1	hypothesis	hypothesis	NOUN
fsr-3530	55	2	2	2	NUM
fsr-3530	55	3	:	:	PUNCT
fsr-3530	55	4	subjective	subjective	ADJ
fsr-3530	55	5	investment	investment	NOUN
fsr-3530	55	6	literacy	literacy	NOUN
fsr-3530	55	7	is	be	AUX
fsr-3530	55	8	positively	positively	ADV
fsr-3530	55	9	associated	associate	VERB
fsr-3530	55	10	with	with	ADP
fsr-3530	55	11	investing	invest	VERB
fsr-3530	55	12	in	in	ADP
fsr-3530	55	13	cryptocurrency	cryptocurrency	NOUN
fsr-3530	55	14	.	.	PUNCT
fsr-3530	56	1	we	we	PRON
fsr-3530	56	2	focused	focus	VERB
fsr-3530	56	3	on	on	ADP
fsr-3530	56	4	the	the	DET
fsr-3530	56	5	link	link	NOUN
fsr-3530	56	6	between	between	ADP
fsr-3530	56	7	overconfidence	overconfidence	NOUN
fsr-3530	56	8	in	in	ADP
fsr-3530	56	9	investment	investment	NOUN
fsr-3530	56	10	literacy	literacy	NOUN
fsr-3530	56	11	and	and	CCONJ
fsr-3530	56	12	cryptocurrency	cryptocurrency	NOUN
fsr-3530	56	13	investments	investment	NOUN
fsr-3530	56	14	,	,	PUNCT
fsr-3530	56	15	to	to	PART
fsr-3530	56	16	provide	provide	VERB
fsr-3530	56	17	new	new	ADJ
fsr-3530	56	18	insights	insight	NOUN
fsr-3530	56	19	into	into	ADP
fsr-3530	56	20	factors	factor	NOUN
fsr-3530	56	21	related	relate	VERB
fsr-3530	56	22	to	to	ADP
fsr-3530	56	23	holding	hold	VERB
fsr-3530	56	24	cryptocurrency	cryptocurrency	NOUN
fsr-3530	56	25	as	as	ADP
fsr-3530	56	26	an	an	DET
fsr-3530	56	27	investment	investment	NOUN
fsr-3530	56	28	.	.	PUNCT
fsr-3530	57	1	investors	investor	NOUN
fsr-3530	57	2	may	may	AUX
fsr-3530	57	3	be	be	AUX
fsr-3530	57	4	influenced	influence	VERB
fsr-3530	57	5	by	by	ADP
fsr-3530	57	6	herd	herd	NOUN
fsr-3530	57	7	behavior	behavior	NOUN
fsr-3530	57	8	instead	instead	ADV
fsr-3530	57	9	of	of	ADP
fsr-3530	57	10	making	make	VERB
fsr-3530	57	11	investment	investment	NOUN
fsr-3530	57	12	decisions	decision	NOUN
fsr-3530	57	13	based	base	VERB
fsr-3530	57	14	on	on	ADP
fsr-3530	57	15	the	the	DET
fsr-3530	57	16	value	value	NOUN
fsr-3530	57	17	of	of	ADP
fsr-3530	57	18	cryptocurrencies	cryptocurrencie	NOUN
fsr-3530	57	19	;	;	PUNCT
fsr-3530	57	20	therefore	therefore	ADV
fsr-3530	57	21	,	,	PUNCT
fsr-3530	57	22	it	it	PRON
fsr-3530	57	23	is	be	AUX
fsr-3530	57	24	useful	useful	ADJ
fsr-3530	57	25	to	to	PART
fsr-3530	57	26	investigate	investigate	VERB
fsr-3530	57	27	the	the	DET
fsr-3530	57	28	cryptocurrency	cryptocurrency	NOUN
fsr-3530	57	29	investment	investment	NOUN
fsr-3530	57	30	from	from	ADP
fsr-3530	57	31	the	the	DET
fsr-3530	57	32	perspective	perspective	NOUN
fsr-3530	57	33	of	of	ADP
fsr-3530	57	34	bounded	bounded	ADJ
fsr-3530	57	35	rationality	rationality	NOUN
fsr-3530	57	36	,	,	PUNCT
fsr-3530	57	37	and	and	CCONJ
fsr-3530	57	38	we	we	PRON
fsr-3530	57	39	extended	extend	VERB
fsr-3530	57	40	it	it	PRON
fsr-3530	57	41	to	to	ADP
fsr-3530	57	42	the	the	DET
fsr-3530	57	43	aspect	aspect	NOUN
fsr-3530	57	44	of	of	ADP
fsr-3530	57	45	overconfidence	overconfidence	NOUN
fsr-3530	57	46	in	in	ADP
fsr-3530	57	47	this	this	DET
fsr-3530	57	48	study	study	NOUN
fsr-3530	57	49	.	.	PUNCT
fsr-3530	58	1	overconfidence	overconfidence	NOUN
fsr-3530	58	2	bias	bias	NOUN
fsr-3530	58	3	has	have	AUX
fsr-3530	58	4	been	be	AUX
fsr-3530	58	5	described	describe	VERB
fsr-3530	58	6	as	as	ADP
fsr-3530	58	7	(	(	PUNCT
fsr-3530	58	8	1	1	NUM
fsr-3530	58	9	)	)	PUNCT
fsr-3530	58	10	overprecision	overprecision	NOUN
fsr-3530	58	11	or	or	CCONJ
fsr-3530	58	12	(	(	PUNCT
fsr-3530	58	13	2	2	NUM
fsr-3530	58	14	)	)	PUNCT
fsr-3530	58	15	miscalibration	miscalibration	NOUN
fsr-3530	58	16	,	,	PUNCT
fsr-3530	58	17	indicating	indicate	VERB
fsr-3530	58	18	a	a	DET
fsr-3530	58	19	systematic	systematic	ADJ
fsr-3530	58	20	overweighting	overweighting	NOUN
fsr-3530	58	21	of	of	ADP
fsr-3530	58	22	the	the	DET
fsr-3530	58	23	accuracy	accuracy	NOUN
fsr-3530	58	24	of	of	ADP
fsr-3530	58	25	one	one	NUM
fsr-3530	58	26	’s	’s	PART
fsr-3530	58	27	own	own	ADJ
fsr-3530	58	28	literacy	literacy	NOUN
fsr-3530	58	29	(	(	PUNCT
fsr-3530	58	30	e.g.	e.g.	ADV
fsr-3530	58	31	,	,	PUNCT
fsr-3530	58	32	robb	robb	VERB
fsr-3530	58	33	et	et	PROPN
fsr-3530	58	34	al	al	PROPN
fsr-3530	58	35	.	.	PROPN
fsr-3530	58	36	2015	2015	NUM
fsr-3530	58	37	;	;	PUNCT
fsr-3530	58	38	xia	xia	PROPN
fsr-3530	58	39	et	et	PROPN
fsr-3530	58	40	al	al	PROPN
fsr-3530	58	41	.	.	PROPN
fsr-3530	58	42	,	,	PUNCT
fsr-3530	58	43	2014	2014	NUM
fsr-3530	58	44	)	)	PUNCT
fsr-3530	58	45	.	.	PUNCT
fsr-3530	59	1	researchers	researcher	NOUN
fsr-3530	59	2	have	have	AUX
fsr-3530	59	3	examined	examine	VERB
fsr-3530	59	4	the	the	DET
fsr-3530	59	5	relationship	relationship	NOUN
fsr-3530	59	6	between	between	ADP
fsr-3530	59	7	overconfidence	overconfidence	NOUN
fsr-3530	59	8	and	and	CCONJ
fsr-3530	59	9	irrational	irrational	ADJ
fsr-3530	59	10	behaviors	behavior	NOUN
fsr-3530	59	11	such	such	ADJ
fsr-3530	59	12	as	as	ADP
fsr-3530	59	13	excessive	excessive	ADJ
fsr-3530	59	14	trading	trading	NOUN
fsr-3530	59	15	,	,	PUNCT
fsr-3530	59	16	excessive	excessive	ADJ
fsr-3530	59	17	risk	risk	NOUN
fsr-3530	59	18	taking	taking	NOUN
fsr-3530	59	19	(	(	PUNCT
fsr-3530	59	20	abreu	abreu	PROPN
fsr-3530	59	21	&	&	CCONJ
fsr-3530	59	22	mendes	mende	NOUN
fsr-3530	59	23	,	,	PUNCT
fsr-3530	59	24	2012	2012	NUM
fsr-3530	59	25	;	;	PUNCT
fsr-3530	59	26	barber	barber	PROPN
fsr-3530	59	27	&	&	CCONJ
fsr-3530	59	28	odean	odean	PROPN
fsr-3530	59	29	,	,	PUNCT
fsr-3530	59	30	2000	2000	NUM
fsr-3530	59	31	)	)	PUNCT
fsr-3530	59	32	,	,	PUNCT
fsr-3530	59	33	under	under	ADP
fsr-3530	59	34	diversification	diversification	NOUN
fsr-3530	59	35	(	(	PUNCT
fsr-3530	59	36	chu	chu	PROPN
fsr-3530	59	37	et	et	PROPN
fsr-3530	59	38	al	al	PROPN
fsr-3530	59	39	.	.	PROPN
fsr-3530	59	40	2017	2017	NUM
fsr-3530	59	41	;	;	PUNCT
fsr-3530	59	42	shin	shin	PROPN
fsr-3530	59	43	et	et	PROPN
fsr-3530	59	44	al	al	PROPN
fsr-3530	59	45	.	.	PROPN
fsr-3530	59	46	,	,	PUNCT
fsr-3530	59	47	2020	2020	NUM
fsr-3530	59	48	;	;	PUNCT
fsr-3530	59	49	xia	xia	PROPN
fsr-3530	59	50	et	et	PROPN
fsr-3530	59	51	al	al	PROPN
fsr-3530	59	52	.	.	PROPN
fsr-3530	59	53	,	,	PUNCT
fsr-3530	59	54	2014	2014	NUM
fsr-3530	59	55	)	)	PUNCT
fsr-3530	59	56	and	and	CCONJ
fsr-3530	59	57	high	high	ADJ
fsr-3530	59	58	-	-	PUNCT
fsr-3530	59	59	cost	cost	NOUN
fsr-3530	59	60	borrowing	borrowing	NOUN
fsr-3530	59	61	(	(	PUNCT
fsr-3530	59	62	robb	robb	NOUN
fsr-3530	59	63	et	et	PROPN
fsr-3530	59	64	al	al	PROPN
fsr-3530	59	65	.	.	PROPN
fsr-3530	59	66	,	,	PUNCT
fsr-3530	59	67	2015	2015	NUM
fsr-3530	59	68	)	)	PUNCT
fsr-3530	59	69	.	.	PUNCT
fsr-3530	60	1	some	some	DET
fsr-3530	60	2	studies	study	NOUN
fsr-3530	60	3	have	have	AUX
fsr-3530	60	4	raised	raise	VERB
fsr-3530	60	5	concerns	concern	NOUN
fsr-3530	60	6	about	about	ADP
fsr-3530	60	7	the	the	DET
fsr-3530	60	8	divergence	divergence	NOUN
fsr-3530	60	9	between	between	ADP
fsr-3530	60	10	objective	objective	ADJ
fsr-3530	60	11	and	and	CCONJ
fsr-3530	60	12	subjective	subjective	ADJ
fsr-3530	60	13	financial	financial	ADJ
fsr-3530	60	14	knowledge	knowledge	NOUN
fsr-3530	60	15	(	(	PUNCT
fsr-3530	60	16	e.g.	e.g.	ADV
fsr-3530	60	17	,	,	PUNCT
fsr-3530	60	18	kim	kim	PROPN
fsr-3530	60	19	et	et	PROPN
fsr-3530	60	20	al	al	PROPN
fsr-3530	60	21	.	.	PROPN
fsr-3530	60	22	,	,	PUNCT
fsr-3530	60	23	2020	2020	NUM
fsr-3530	60	24	;	;	PUNCT
fsr-3530	60	25	robb	robb	VERB
fsr-3530	60	26	et	et	PROPN
fsr-3530	60	27	al	al	PROPN
fsr-3530	60	28	.	.	PROPN
fsr-3530	60	29	,	,	PUNCT
fsr-3530	60	30	2015	2015	NUM
fsr-3530	60	31	)	)	PUNCT
fsr-3530	60	32	.	.	PUNCT
fsr-3530	61	1	false	false	ADJ
fsr-3530	61	2	confidence	confidence	NOUN
fsr-3530	61	3	in	in	ADP
fsr-3530	61	4	one	one	NUM
fsr-3530	61	5	’s	’s	PART
fsr-3530	61	6	ability	ability	NOUN
fsr-3530	61	7	to	to	PART
fsr-3530	61	8	understand	understand	VERB
fsr-3530	61	9	complex	complex	ADJ
fsr-3530	61	10	investment	investment	NOUN
fsr-3530	61	11	concepts	concept	NOUN
fsr-3530	61	12	would	would	AUX
fsr-3530	61	13	lead	lead	VERB
fsr-3530	61	14	to	to	ADP
fsr-3530	61	15	suboptimal	suboptimal	ADJ
fsr-3530	61	16	financial	financial	ADJ
fsr-3530	61	17	decisions	decision	NOUN
fsr-3530	61	18	.	.	PUNCT
fsr-3530	62	1	in	in	ADP
fsr-3530	62	2	this	this	DET
fsr-3530	62	3	study	study	NOUN
fsr-3530	62	4	,	,	PUNCT
fsr-3530	62	5	we	we	PRON
fsr-3530	62	6	propose	propose	VERB
fsr-3530	62	7	the	the	DET
fsr-3530	62	8	following	follow	VERB
fsr-3530	62	9	research	research	NOUN
fsr-3530	62	10	hypothesis	hypothesis	NOUN
fsr-3530	62	11	on	on	ADP
fsr-3530	62	12	the	the	DET
fsr-3530	62	13	association	association	NOUN
fsr-3530	62	14	between	between	ADP
fsr-3530	62	15	investment	investment	NOUN
fsr-3530	62	16	literacy	literacy	NOUN
fsr-3530	62	17	overconfidence	overconfidence	NOUN
fsr-3530	62	18	and	and	CCONJ
fsr-3530	62	19	cryptocurrency	cryptocurrency	NOUN
fsr-3530	62	20	investment	investment	NOUN
fsr-3530	62	21	.	.	PUNCT
fsr-3530	63	1	hypothesis	hypothesis	NOUN
fsr-3530	63	2	3	3	NUM
fsr-3530	63	3	:	:	PUNCT
fsr-3530	63	4	overconfidence	overconfidence	NOUN
fsr-3530	63	5	in	in	ADP
fsr-3530	63	6	investment	investment	NOUN
fsr-3530	63	7	literacy	literacy	NOUN
fsr-3530	63	8	is	be	AUX
fsr-3530	63	9	positively	positively	ADV
fsr-3530	63	10	associated	associate	VERB
fsr-3530	63	11	with	with	ADP
fsr-3530	63	12	investing	invest	VERB
fsr-3530	63	13	in	in	ADP
fsr-3530	63	14	cryptocurrency	cryptocurrency	NOUN
fsr-3530	63	15	.	.	PUNCT
fsr-3530	64	1	3	3	X
fsr-3530	64	2	.	.	X
fsr-3530	64	3	method	method	PROPN
fsr-3530	64	4	3.1	3.1	NUM
fsr-3530	64	5	.	.	PUNCT
fsr-3530	64	6	dataset	dataset	NOUN
fsr-3530	64	7	and	and	CCONJ
fsr-3530	64	8	analytic	analytic	ADJ
fsr-3530	64	9	sample	sample	NOUN
fsr-3530	64	10	this	this	DET
fsr-3530	64	11	study	study	NOUN
fsr-3530	64	12	utilized	utilize	VERB
fsr-3530	64	13	data	datum	NOUN
fsr-3530	64	14	from	from	ADP
fsr-3530	64	15	the	the	DET
fsr-3530	64	16	2018	2018	NUM
fsr-3530	64	17	national	national	ADJ
fsr-3530	64	18	financial	financial	ADJ
fsr-3530	64	19	capability	capability	NOUN
fsr-3530	64	20	study	study	NOUN
fsr-3530	64	21	(	(	PUNCT
fsr-3530	64	22	nfcs	nfcs	PROPN
fsr-3530	64	23	)	)	PUNCT
fsr-3530	64	24	and	and	CCONJ
fsr-3530	64	25	the	the	DET
fsr-3530	64	26	follow	follow	NOUN
fsr-3530	64	27	-	-	PUNCT
fsr-3530	64	28	up	up	NOUN
fsr-3530	64	29	2018	2018	NUM
fsr-3530	64	30	investor	investor	NOUN
fsr-3530	64	31	survey	survey	NOUN
fsr-3530	64	32	,	,	PUNCT
fsr-3530	64	33	which	which	PRON
fsr-3530	64	34	includes	include	VERB
fsr-3530	64	35	a	a	DET
fsr-3530	64	36	subset	subset	NOUN
fsr-3530	64	37	of	of	ADP
fsr-3530	64	38	respondents	respondent	NOUN
fsr-3530	64	39	who	who	PRON
fsr-3530	64	40	had	have	AUX
fsr-3530	64	41	indicated	indicate	VERB
fsr-3530	64	42	ownership	ownership	NOUN
fsr-3530	64	43	of	of	ADP
fsr-3530	64	44	nonretirement	nonretirement	ADJ
fsr-3530	64	45	investments	investment	NOUN
fsr-3530	64	46	.	.	PUNCT
fsr-3530	65	1	the	the	DET
fsr-3530	65	2	2018	2018	NUM
fsr-3530	65	3	nfcs	nfcs	PROPN
fsr-3530	65	4	state	state	NOUN
fsr-3530	65	5	-	-	PUNCT
fsr-3530	65	6	by	by	ADP
fsr-3530	65	7	-	-	PUNCT
fsr-3530	65	8	state	state	NOUN
fsr-3530	65	9	data	datum	NOUN
fsr-3530	65	10	collected	collect	VERB
fsr-3530	65	11	approximately	approximately	ADV
fsr-3530	65	12	500	500	NUM
fsr-3530	65	13	observations	observation	NOUN
fsr-3530	65	14	per	per	ADP
fsr-3530	65	15	state	state	NOUN
fsr-3530	65	16	plus	plus	CCONJ
fsr-3530	65	17	the	the	DET
fsr-3530	65	18	district	district	NOUN
fsr-3530	65	19	of	of	ADP
fsr-3530	65	20	columbia	columbia	PROPN
fsr-3530	65	21	,	,	PUNCT
fsr-3530	65	22	which	which	PRON
fsr-3530	65	23	leads	lead	VERB
fsr-3530	65	24	to	to	ADP
fsr-3530	65	25	the	the	DET
fsr-3530	65	26	total	total	ADJ
fsr-3530	65	27	sample	sample	NOUN
fsr-3530	65	28	of	of	ADP
fsr-3530	65	29	27,091	27,091	NUM
fsr-3530	65	30	adults	adult	NOUN
fsr-3530	65	31	in	in	ADP
fsr-3530	65	32	the	the	DET
fsr-3530	65	33	united	united	PROPN
fsr-3530	65	34	states	states	PROPN
fsr-3530	65	35	,	,	PUNCT
fsr-3530	65	36	with	with	ADP
fsr-3530	65	37	approximately	approximately	ADV
fsr-3530	65	38	500	500	NUM
fsr-3530	65	39	observations	observation	NOUN
fsr-3530	65	40	per	per	ADP
fsr-3530	65	41	state	state	NOUN
fsr-3530	65	42	plus	plus	CCONJ
fsr-3530	65	43	the	the	DET
fsr-3530	65	44	district	district	NOUN
fsr-3530	65	45	of	of	ADP
fsr-3530	65	46	columbia	columbia	PROPN
fsr-3530	65	47	.	.	PUNCT
fsr-3530	66	1	the	the	DET
fsr-3530	66	2	2018	2018	NUM
fsr-3530	66	3	nfcs	nfcs	PROPN
fsr-3530	66	4	investor	investor	NOUN
fsr-3530	66	5	survey	survey	NOUN
fsr-3530	66	6	includes	include	VERB
fsr-3530	66	7	a	a	DET
fsr-3530	66	8	sample	sample	NOUN
fsr-3530	66	9	drawn	draw	VERB
fsr-3530	66	10	from	from	ADP
fsr-3530	66	11	individuals	individual	NOUN
fsr-3530	66	12	who	who	PRON
fsr-3530	66	13	indicated	indicate	VERB
fsr-3530	66	14	owning	own	VERB
fsr-3530	66	15	nonretirement	nonretirement	ADJ
fsr-3530	66	16	investments	investment	NOUN
fsr-3530	66	17	.	.	PUNCT
fsr-3530	67	1	to	to	PART
fsr-3530	67	2	explore	explore	VERB
fsr-3530	67	3	the	the	DET
fsr-3530	67	4	associations	association	NOUN
fsr-3530	67	5	between	between	ADP
fsr-3530	67	6	investment	investment	NOUN
fsr-3530	67	7	literacy	literacy	NOUN
fsr-3530	67	8	and	and	CCONJ
fsr-3530	67	9	investing	invest	VERB
fsr-3530	67	10	in	in	ADP
fsr-3530	67	11	cryptocurrency	cryptocurrency	NOUN
fsr-3530	67	12	,	,	PUNCT
fsr-3530	67	13	the	the	DET
fsr-3530	67	14	analytic	analytic	ADJ
fsr-3530	67	15	124	124	NUM
fsr-3530	67	16	k.	k.	PROPN
fsr-3530	67	17	t.	t.	PROPN
fsr-3530	67	18	kim	kim	PROPN
fsr-3530	67	19	et	et	PROPN
fsr-3530	67	20	al	al	PROPN
fsr-3530	67	21	.	.	PUNCT
fsr-3530	67	22	/	/	SYM
fsr-3530	67	23	financial	financial	ADJ
fsr-3530	67	24	services	service	NOUN
fsr-3530	67	25	review	review	VERB
fsr-3530	67	26	31	31	NUM
fsr-3530	67	27	(	(	PUNCT
fsr-3530	67	28	2023	2023	NUM
fsr-3530	67	29	)	)	PUNCT
fsr-3530	67	30	121–132	121–132	NUM
fsr-3530	67	31	sample	sample	NOUN
fsr-3530	67	32	started	start	VERB
fsr-3530	67	33	with	with	ADP
fsr-3530	67	34	the	the	DET
fsr-3530	67	35	2,003	2,003	NUM
fsr-3530	67	36	individuals	individual	NOUN
fsr-3530	67	37	who	who	PRON
fsr-3530	67	38	completed	complete	VERB
fsr-3530	67	39	both	both	CCONJ
fsr-3530	67	40	the	the	DET
fsr-3530	67	41	2018	2018	NUM
fsr-3530	67	42	nfcs	nfc	NOUN
fsr-3530	67	43	and	and	CCONJ
fsr-3530	67	44	the	the	DET
fsr-3530	67	45	2018	2018	NUM
fsr-3530	67	46	nfcs	nfcs	PROPN
fsr-3530	67	47	investor	investor	NOUN
fsr-3530	67	48	survey	survey	NOUN
fsr-3530	67	49	.	.	PUNCT
fsr-3530	68	1	the	the	DET
fsr-3530	68	2	final	final	ADJ
fsr-3530	68	3	sample	sample	NOUN
fsr-3530	68	4	includes	include	VERB
fsr-3530	68	5	1,819	1,819	NUM
fsr-3530	68	6	investors	investor	NOUN
fsr-3530	68	7	,	,	PUNCT
fsr-3530	68	8	excluding	exclude	VERB
fsr-3530	68	9	missing	miss	VERB
fsr-3530	68	10	responses	response	NOUN
fsr-3530	68	11	.	.	PUNCT
fsr-3530	69	1	3.2	3.2	NUM
fsr-3530	69	2	.	.	PUNCT
fsr-3530	70	1	dependent	dependent	ADJ
fsr-3530	70	2	variables	variable	NOUN
fsr-3530	70	3	the	the	DET
fsr-3530	70	4	2018	2018	NUM
fsr-3530	70	5	nfcs	nfcs	PROPN
fsr-3530	70	6	investor	investor	NOUN
fsr-3530	70	7	survey	survey	NOUN
fsr-3530	70	8	includes	include	VERB
fsr-3530	70	9	questions	question	NOUN
fsr-3530	70	10	on	on	ADP
fsr-3530	70	11	cryptocurrency	cryptocurrency	NOUN
fsr-3530	70	12	.	.	PUNCT
fsr-3530	71	1	the	the	DET
fsr-3530	71	2	dependent	dependent	ADJ
fsr-3530	71	3	variable	variable	NOUN
fsr-3530	71	4	is	be	AUX
fsr-3530	71	5	a	a	DET
fsr-3530	71	6	binary	binary	ADJ
fsr-3530	71	7	indicator	indicator	NOUN
fsr-3530	71	8	whether	whether	SCONJ
fsr-3530	71	9	the	the	DET
fsr-3530	71	10	respondent	respondent	NOUN
fsr-3530	71	11	has	have	AUX
fsr-3530	71	12	invested	invest	VERB
fsr-3530	71	13	in	in	ADP
fsr-3530	71	14	cryptocurrency	cryptocurrency	NOUN
fsr-3530	71	15	,	,	PUNCT
fsr-3530	71	16	based	base	VERB
fsr-3530	71	17	on	on	ADP
fsr-3530	71	18	the	the	DET
fsr-3530	71	19	following	follow	VERB
fsr-3530	71	20	question	question	NOUN
fsr-3530	71	21	,	,	PUNCT
fsr-3530	71	22	“	"	PUNCT
fsr-3530	71	23	have	have	AUX
fsr-3530	71	24	you	you	PRON
fsr-3530	71	25	invested	invest	VERB
fsr-3530	71	26	in	in	ADP
fsr-3530	71	27	cryptocurrencies	cryptocurrencie	NOUN
fsr-3530	71	28	,	,	PUNCT
fsr-3530	71	29	either	either	CCONJ
fsr-3530	71	30	directly	directly	ADV
fsr-3530	71	31	or	or	CCONJ
fsr-3530	71	32	through	through	ADP
fsr-3530	71	33	a	a	DET
fsr-3530	71	34	fund	fund	NOUN
fsr-3530	71	35	that	that	PRON
fsr-3530	71	36	invests	invest	VERB
fsr-3530	71	37	in	in	ADP
fsr-3530	71	38	cryptocurrencies	cryptocurrencie	NOUN
fsr-3530	71	39	?	?	PUNCT
fsr-3530	71	40	”	"	PUNCT
fsr-3530	71	41	3.3	3.3	NUM
fsr-3530	71	42	.	.	PUNCT
fsr-3530	72	1	investment	investment	NOUN
fsr-3530	72	2	literacy	literacy	NOUN
fsr-3530	72	3	and	and	CCONJ
fsr-3530	72	4	overconfidence	overconfidence	NOUN
fsr-3530	72	5	the	the	DET
fsr-3530	72	6	2018	2018	NUM
fsr-3530	72	7	nfcs	nfc	NOUN
fsr-3530	72	8	survey	survey	NOUN
fsr-3530	72	9	includes	include	VERB
fsr-3530	72	10	questions	question	NOUN
fsr-3530	72	11	designed	design	VERB
fsr-3530	72	12	to	to	PART
fsr-3530	72	13	measure	measure	VERB
fsr-3530	72	14	investment	investment	NOUN
fsr-3530	72	15	literacy	literacy	NOUN
fsr-3530	72	16	covering	cover	VERB
fsr-3530	72	17	various	various	ADJ
fsr-3530	72	18	investment	investment	NOUN
fsr-3530	72	19	-	-	PUNCT
fsr-3530	72	20	related	relate	VERB
fsr-3530	72	21	topics	topic	NOUN
fsr-3530	72	22	and	and	CCONJ
fsr-3530	72	23	concepts	concept	NOUN
fsr-3530	72	24	.	.	PUNCT
fsr-3530	73	1	we	we	PRON
fsr-3530	73	2	created	create	VERB
fsr-3530	73	3	an	an	DET
fsr-3530	73	4	objective	objective	ADJ
fsr-3530	73	5	investment	investment	NOUN
fsr-3530	73	6	literacy	literacy	NOUN
fsr-3530	73	7	index	index	NOUN
fsr-3530	73	8	,	,	PUNCT
fsr-3530	73	9	measured	measure	VERB
fsr-3530	73	10	as	as	ADP
fsr-3530	73	11	each	each	DET
fsr-3530	73	12	respondent	respondent	NOUN
fsr-3530	73	13	’s	’s	PART
fsr-3530	73	14	number	number	NOUN
fsr-3530	73	15	of	of	ADP
fsr-3530	73	16	correct	correct	ADJ
fsr-3530	73	17	answers	answer	NOUN
fsr-3530	73	18	to	to	ADP
fsr-3530	73	19	10	10	NUM
fsr-3530	73	20	questions	question	NOUN
fsr-3530	73	21	and	and	CCONJ
fsr-3530	73	22	ranged	range	VERB
fsr-3530	73	23	from	from	ADP
fsr-3530	73	24	0	0	NUM
fsr-3530	73	25	to	to	ADP
fsr-3530	73	26	10	10	NUM
fsr-3530	73	27	.	.	PUNCT
fsr-3530	74	1	the	the	DET
fsr-3530	74	2	topics	topic	NOUN
fsr-3530	74	3	of	of	ADP
fsr-3530	74	4	investment	investment	NOUN
fsr-3530	74	5	literacy	literacy	NOUN
fsr-3530	74	6	cover	cover	NOUN
fsr-3530	74	7	stock	stock	NOUN
fsr-3530	74	8	,	,	PUNCT
fsr-3530	74	9	bond	bond	NOUN
fsr-3530	74	10	,	,	PUNCT
fsr-3530	74	11	bankruptcy	bankruptcy	NOUN
fsr-3530	74	12	,	,	PUNCT
fsr-3530	74	13	investment	investment	NOUN
fsr-3530	74	14	risk	risk	NOUN
fsr-3530	74	15	,	,	PUNCT
fsr-3530	74	16	investment	investment	NOUN
fsr-3530	74	17	return	return	NOUN
fsr-3530	74	18	,	,	PUNCT
fsr-3530	74	19	municipal	municipal	ADJ
fsr-3530	74	20	bond	bond	NOUN
fsr-3530	74	21	,	,	PUNCT
fsr-3530	74	22	stock	stock	NOUN
fsr-3530	74	23	margin	margin	NOUN
fsr-3530	74	24	,	,	PUNCT
fsr-3530	74	25	selling	sell	VERB
fsr-3530	74	26	short	short	ADJ
fsr-3530	74	27	,	,	PUNCT
fsr-3530	74	28	investment	investment	NOUN
fsr-3530	74	29	indicator	indicator	NOUN
fsr-3530	74	30	,	,	PUNCT
fsr-3530	74	31	and	and	CCONJ
fsr-3530	74	32	index	index	NOUN
fsr-3530	74	33	fund	fund	NOUN
fsr-3530	74	34	.	.	PUNCT
fsr-3530	75	1	the	the	DET
fsr-3530	75	2	subjective	subjective	ADJ
fsr-3530	75	3	assessment	assessment	NOUN
fsr-3530	75	4	of	of	ADP
fsr-3530	75	5	investment	investment	NOUN
fsr-3530	75	6	knowledge	knowledge	NOUN
fsr-3530	75	7	was	be	AUX
fsr-3530	75	8	measured	measure	VERB
fsr-3530	75	9	by	by	ADP
fsr-3530	75	10	the	the	DET
fsr-3530	75	11	following	follow	VERB
fsr-3530	75	12	question	question	NOUN
fsr-3530	75	13	:	:	PUNCT
fsr-3530	75	14	“	"	PUNCT
fsr-3530	75	15	on	on	ADP
fsr-3530	75	16	a	a	DET
fsr-3530	75	17	scale	scale	NOUN
fsr-3530	75	18	from	from	ADP
fsr-3530	75	19	1	1	NUM
fsr-3530	75	20	to	to	ADP
fsr-3530	75	21	7	7	NUM
fsr-3530	75	22	,	,	PUNCT
fsr-3530	75	23	where	where	SCONJ
fsr-3530	75	24	1	1	NUM
fsr-3530	75	25	means	mean	VERB
fsr-3530	75	26	very	very	ADV
fsr-3530	75	27	low	low	ADJ
fsr-3530	75	28	and	and	CCONJ
fsr-3530	75	29	7	7	NUM
fsr-3530	75	30	means	mean	VERB
fsr-3530	75	31	very	very	ADV
fsr-3530	75	32	high	high	ADJ
fsr-3530	75	33	,	,	PUNCT
fsr-3530	75	34	how	how	SCONJ
fsr-3530	75	35	would	would	AUX
fsr-3530	75	36	you	you	PRON
fsr-3530	75	37	assess	assess	VERB
fsr-3530	75	38	your	your	PRON
fsr-3530	75	39	overall	overall	ADJ
fsr-3530	75	40	knowledge	knowledge	NOUN
fsr-3530	75	41	about	about	ADP
fsr-3530	75	42	investing	invest	VERB
fsr-3530	75	43	?	?	PUNCT
fsr-3530	75	44	”	"	PUNCT
fsr-3530	76	1	following	follow	VERB
fsr-3530	76	2	the	the	DET
fsr-3530	76	3	approach	approach	NOUN
fsr-3530	76	4	of	of	ADP
fsr-3530	76	5	kim	kim	PROPN
fsr-3530	76	6	et	et	PROPN
fsr-3530	76	7	al	al	PROPN
fsr-3530	76	8	.	.	PROPN
fsr-3530	77	1	(	(	PUNCT
fsr-3530	77	2	2020	2020	NUM
fsr-3530	77	3	)	)	PUNCT
fsr-3530	77	4	,	,	PUNCT
fsr-3530	77	5	we	we	PRON
fsr-3530	77	6	tested	test	VERB
fsr-3530	77	7	three	three	NUM
fsr-3530	77	8	measures	measure	NOUN
fsr-3530	77	9	of	of	ADP
fsr-3530	77	10	investment	investment	NOUN
fsr-3530	77	11	literacy	literacy	NOUN
fsr-3530	77	12	overconfidence	overconfidence	NOUN
fsr-3530	77	13	:	:	PUNCT
fsr-3530	77	14	(	(	PUNCT
fsr-3530	77	15	1	1	X
fsr-3530	77	16	)	)	PUNCT
fsr-3530	77	17	overconfidence	overconfidence	NOUN
fsr-3530	77	18	defined	define	VERB
fsr-3530	77	19	as	as	ADP
fsr-3530	77	20	having	have	VERB
fsr-3530	77	21	higher	high	ADJ
fsr-3530	77	22	than	than	ADP
fsr-3530	77	23	the	the	DET
fsr-3530	77	24	sample	sample	NOUN
fsr-3530	77	25	median	median	NOUN
fsr-3530	77	26	for	for	ADP
fsr-3530	77	27	subjective	subjective	ADJ
fsr-3530	77	28	literacy	literacy	NOUN
fsr-3530	77	29	,	,	PUNCT
fsr-3530	77	30	but	but	CCONJ
fsr-3530	77	31	lower	low	ADJ
fsr-3530	77	32	than	than	ADP
fsr-3530	77	33	the	the	DET
fsr-3530	77	34	sample	sample	NOUN
fsr-3530	77	35	median	median	NOUN
fsr-3530	77	36	for	for	ADP
fsr-3530	77	37	objective	objective	ADJ
fsr-3530	77	38	literacy	literacy	NOUN
fsr-3530	77	39	;	;	PUNCT
fsr-3530	77	40	(	(	PUNCT
fsr-3530	77	41	2	2	X
fsr-3530	77	42	)	)	PUNCT
fsr-3530	77	43	a	a	DET
fsr-3530	77	44	continuous	continuous	ADJ
fsr-3530	77	45	measure	measure	NOUN
fsr-3530	77	46	of	of	ADP
fsr-3530	77	47	divergence	divergence	NOUN
fsr-3530	77	48	between	between	ADP
fsr-3530	77	49	objective	objective	ADJ
fsr-3530	77	50	and	and	CCONJ
fsr-3530	77	51	subjective	subjective	ADJ
fsr-3530	77	52	financial	financial	ADJ
fsr-3530	77	53	literacy	literacy	NOUN
fsr-3530	77	54	;	;	PUNCT
fsr-3530	77	55	and	and	CCONJ
fsr-3530	77	56	(	(	PUNCT
fsr-3530	77	57	3	3	X
fsr-3530	77	58	)	)	PUNCT
fsr-3530	77	59	the	the	DET
fsr-3530	77	60	residual	residual	ADJ
fsr-3530	77	61	from	from	ADP
fsr-3530	77	62	a	a	DET
fsr-3530	77	63	least	least	ADJ
fsr-3530	77	64	squares	square	NOUN
fsr-3530	77	65	regression	regression	NOUN
fsr-3530	77	66	of	of	ADP
fsr-3530	77	67	objective	objective	ADJ
fsr-3530	77	68	literacy	literacy	NOUN
fsr-3530	77	69	on	on	ADP
fsr-3530	77	70	subjective	subjective	ADJ
fsr-3530	77	71	literacy	literacy	NOUN
fsr-3530	77	72	.	.	PUNCT
fsr-3530	78	1	3.4	3.4	NUM
fsr-3530	78	2	.	.	PUNCT
fsr-3530	79	1	control	control	NOUN
fsr-3530	79	2	variables	variable	NOUN
fsr-3530	79	3	in	in	ADP
fsr-3530	79	4	addition	addition	NOUN
fsr-3530	79	5	to	to	ADP
fsr-3530	79	6	investment	investment	NOUN
fsr-3530	79	7	literacy	literacy	NOUN
fsr-3530	79	8	variables	variable	NOUN
fsr-3530	79	9	,	,	PUNCT
fsr-3530	79	10	we	we	PRON
fsr-3530	79	11	included	include	VERB
fsr-3530	79	12	age	age	NOUN
fsr-3530	79	13	,	,	PUNCT
fsr-3530	79	14	gender	gender	NOUN
fsr-3530	79	15	(	(	PUNCT
fsr-3530	79	16	male	male	NOUN
fsr-3530	79	17	,	,	PUNCT
fsr-3530	79	18	female	female	NOUN
fsr-3530	79	19	)	)	PUNCT
fsr-3530	79	20	,	,	PUNCT
fsr-3530	79	21	marital	marital	ADJ
fsr-3530	79	22	status	status	NOUN
fsr-3530	79	23	(	(	PUNCT
fsr-3530	79	24	married	married	ADJ
fsr-3530	79	25	,	,	PUNCT
fsr-3530	79	26	single	single	ADJ
fsr-3530	79	27	,	,	PUNCT
fsr-3530	79	28	separated	separate	VERB
fsr-3530	79	29	/	/	SYM
fsr-3530	79	30	divorced	divorced	ADJ
fsr-3530	79	31	/	/	SYM
fsr-3530	79	32	widow(er	widow(er	NOUN
fsr-3530	79	33	)	)	PUNCT
fsr-3530	79	34	)	)	PUNCT
fsr-3530	79	35	,	,	PUNCT
fsr-3530	79	36	having	have	VERB
fsr-3530	79	37	a	a	DET
fsr-3530	79	38	dependent	dependent	ADJ
fsr-3530	79	39	child	child	NOUN
fsr-3530	79	40	,	,	PUNCT
fsr-3530	79	41	race/	race/	NUM
fsr-3530	79	42	ethnicity	ethnicity	NOUN
fsr-3530	79	43	(	(	PUNCT
fsr-3530	79	44	white	white	ADJ
fsr-3530	79	45	,	,	PUNCT
fsr-3530	79	46	black	black	ADJ
fsr-3530	79	47	,	,	PUNCT
fsr-3530	79	48	hispanic	hispanic	ADJ
fsr-3530	79	49	,	,	PUNCT
fsr-3530	79	50	asian	asian	ADJ
fsr-3530	79	51	/	/	SYM
fsr-3530	79	52	others	other	NOUN
fsr-3530	79	53	)	)	PUNCT
fsr-3530	79	54	,	,	PUNCT
fsr-3530	79	55	employment	employment	NOUN
fsr-3530	79	56	status	status	NOUN
fsr-3530	79	57	(	(	PUNCT
fsr-3530	79	58	full	full	ADJ
fsr-3530	79	59	-	-	PUNCT
fsr-3530	79	60	time	time	NOUN
fsr-3530	79	61	employee	employee	NOUN
fsr-3530	79	62	,	,	PUNCT
fsr-3530	79	63	self	self	NOUN
fsr-3530	79	64	-	-	PUNCT
fsr-3530	79	65	employed	employ	VERB
fsr-3530	79	66	,	,	PUNCT
fsr-3530	79	67	part	part	ADJ
fsr-3530	79	68	-	-	PUNCT
fsr-3530	79	69	time	time	NOUN
fsr-3530	79	70	employee	employee	NOUN
fsr-3530	79	71	,	,	PUNCT
fsr-3530	79	72	homemaker	homemaker	NOUN
fsr-3530	79	73	,	,	PUNCT
fsr-3530	79	74	student	student	NOUN
fsr-3530	79	75	,	,	PUNCT
fsr-3530	79	76	disabled	disabled	ADJ
fsr-3530	79	77	,	,	PUNCT
fsr-3530	79	78	unemployed	unemployed	ADJ
fsr-3530	79	79	,	,	PUNCT
fsr-3530	79	80	retired	retire	VERB
fsr-3530	79	81	)	)	PUNCT
fsr-3530	79	82	,	,	PUNCT
fsr-3530	79	83	education	education	NOUN
fsr-3530	79	84	(	(	PUNCT
fsr-3530	79	85	high	high	ADJ
fsr-3530	79	86	school	school	NOUN
fsr-3530	79	87	diploma	diploma	NOUN
fsr-3530	79	88	or	or	CCONJ
fsr-3530	79	89	lower	low	ADJ
fsr-3530	79	90	,	,	PUNCT
fsr-3530	79	91	some	some	DET
fsr-3530	79	92	college	college	NOUN
fsr-3530	79	93	,	,	PUNCT
fsr-3530	79	94	associate	associate	NOUN
fsr-3530	79	95	degree	degree	NOUN
fsr-3530	79	96	,	,	PUNCT
fsr-3530	79	97	bachelor	bachelor	NOUN
fsr-3530	79	98	degree	degree	NOUN
fsr-3530	79	99	,	,	PUNCT
fsr-3530	79	100	postbachelor	postbachelor	NOUN
fsr-3530	79	101	degree	degree	NOUN
fsr-3530	79	102	)	)	PUNCT
fsr-3530	79	103	,	,	PUNCT
fsr-3530	79	104	household	household	NOUN
fsr-3530	79	105	income	income	NOUN
fsr-3530	79	106	,	,	PUNCT
fsr-3530	79	107	investment	investment	NOUN
fsr-3530	79	108	assets	asset	NOUN
fsr-3530	79	109	in	in	ADP
fsr-3530	79	110	nonretirement	nonretirement	ADJ
fsr-3530	79	111	account	account	NOUN
fsr-3530	79	112	,	,	PUNCT
fsr-3530	79	113	and	and	CCONJ
fsr-3530	79	114	region	region	NOUN
fsr-3530	79	115	(	(	PUNCT
fsr-3530	79	116	state	state	NOUN
fsr-3530	79	117	of	of	ADP
fsr-3530	79	118	residence	residence	NOUN
fsr-3530	79	119	)	)	PUNCT
fsr-3530	79	120	as	as	ADP
fsr-3530	79	121	control	control	NOUN
fsr-3530	79	122	variables	variable	NOUN
fsr-3530	79	123	.	.	PUNCT
fsr-3530	80	1	3.5	3.5	NUM
fsr-3530	80	2	.	.	PUNCT
fsr-3530	81	1	empirical	empirical	ADJ
fsr-3530	81	2	specification	specification	NOUN
fsr-3530	81	3	we	we	PRON
fsr-3530	81	4	used	use	VERB
fsr-3530	81	5	logistic	logistic	ADJ
fsr-3530	81	6	regression	regression	NOUN
fsr-3530	81	7	models	model	NOUN
fsr-3530	81	8	to	to	PART
fsr-3530	81	9	investigate	investigate	VERB
fsr-3530	81	10	the	the	DET
fsr-3530	81	11	effects	effect	NOUN
fsr-3530	81	12	of	of	ADP
fsr-3530	81	13	various	various	ADJ
fsr-3530	81	14	factors	factor	NOUN
fsr-3530	81	15	associated	associate	VERB
fsr-3530	81	16	with	with	ADP
fsr-3530	81	17	an	an	DET
fsr-3530	81	18	investment	investment	NOUN
fsr-3530	81	19	in	in	ADP
fsr-3530	81	20	cryptocurrency	cryptocurrency	NOUN
fsr-3530	81	21	,	,	PUNCT
fsr-3530	81	22	especially	especially	ADV
fsr-3530	81	23	for	for	ADP
fsr-3530	81	24	the	the	DET
fsr-3530	81	25	role	role	NOUN
fsr-3530	81	26	of	of	ADP
fsr-3530	81	27	investment	investment	NOUN
fsr-3530	81	28	literacy	literacy	NOUN
fsr-3530	81	29	and	and	CCONJ
fsr-3530	81	30	its	its	PRON
fsr-3530	81	31	overconfidence	overconfidence	NOUN
fsr-3530	81	32	measured	measure	VERB
fsr-3530	81	33	by	by	ADP
fsr-3530	81	34	divergence	divergence	NOUN
fsr-3530	81	35	between	between	ADP
fsr-3530	81	36	objective	objective	ADJ
fsr-3530	81	37	and	and	CCONJ
fsr-3530	81	38	subjective	subjective	ADJ
fsr-3530	81	39	literacy	literacy	NOUN
fsr-3530	81	40	.	.	PUNCT
fsr-3530	82	1	both	both	DET
fsr-3530	82	2	descriptive	descriptive	ADJ
fsr-3530	82	3	and	and	CCONJ
fsr-3530	82	4	multivariate	multivariate	NOUN
fsr-3530	82	5	results	result	NOUN
fsr-3530	82	6	were	be	AUX
fsr-3530	82	7	weighted	weight	VERB
fsr-3530	82	8	using	use	VERB
fsr-3530	82	9	the	the	DET
fsr-3530	82	10	sampling	sample	VERB
fsr-3530	82	11	weight	weight	NOUN
fsr-3530	82	12	provided	provide	VERB
fsr-3530	82	13	by	by	ADP
fsr-3530	82	14	nfcs	nfc	NOUN
fsr-3530	82	15	investor	investor	NOUN
fsr-3530	82	16	survey	survey	NOUN
fsr-3530	82	17	.	.	PUNCT
fsr-3530	83	1	empirical	empirical	ADJ
fsr-3530	83	2	models	model	NOUN
fsr-3530	83	3	are	be	AUX
fsr-3530	83	4	expressed	express	VERB
fsr-3530	83	5	as	as	SCONJ
fsr-3530	83	6	follows	follow	VERB
fsr-3530	83	7	;	;	PUNCT
fsr-3530	83	8	k.	k.	PROPN
fsr-3530	83	9	t.	t.	PROPN
fsr-3530	83	10	kim	kim	PROPN
fsr-3530	83	11	et	et	PROPN
fsr-3530	83	12	al	al	PROPN
fsr-3530	83	13	.	.	PUNCT
fsr-3530	83	14	/	/	SYM
fsr-3530	83	15	financial	financial	ADJ
fsr-3530	83	16	services	service	NOUN
fsr-3530	83	17	review	review	VERB
fsr-3530	83	18	31	31	NUM
fsr-3530	83	19	(	(	PUNCT
fsr-3530	83	20	2023	2023	NUM
fsr-3530	83	21	)	)	PUNCT
fsr-3530	83	22	121–132	121–132	NUM
fsr-3530	83	23	125	125	NUM
fsr-3530	83	24	pr	pr	NOUN
fsr-3530	83	25	cð	cð	NOUN
fsr-3530	83	26	þi	þi	NOUN
fsr-3530	84	1	=	=	PUNCT
fsr-3530	84	2	log	log	VERB
fsr-3530	84	3	pr	pr	NOUN
fsr-3530	85	1	cð	cð	NOUN
fsr-3530	85	2	þi	þi	NOUN
fsr-3530	85	3	1	1	NUM
fsr-3530	85	4	#	#	NOUN
fsr-3530	85	5	pr	pr	NOUN
fsr-3530	85	6	cð	cð	NOUN
fsr-3530	85	7	þi	þi	NOUN
fsr-3530	85	8	!	!	PUNCT
fsr-3530	85	9	"	"	PUNCT
fsr-3530	86	1	#	#	NOUN
fsr-3530	86	2	=	=	SYM
fsr-3530	86	3	b	b	PROPN
fsr-3530	86	4	0	0	NUM
fsr-3530	86	5	þ	þ	PROPN
fsr-3530	86	6	b	b	PROPN
fsr-3530	87	1	1ili	1ili	NUM
fsr-3530	87	2	þ	þ	PROPN
fsr-3530	87	3	b	b	PROPN
fsr-3530	87	4	2xi	2xi	ADJ
fsr-3530	88	1	þ	þ	PROPN
fsr-3530	88	2	«	«	PUNCT
fsr-3530	88	3	i	i	PRON
fsr-3530	88	4	where	where	SCONJ
fsr-3530	88	5	,	,	PUNCT
fsr-3530	88	6	pr	pr	NOUN
fsr-3530	88	7	cð	cð	PROPN
fsr-3530	88	8	þi	þi	PROPN
fsr-3530	88	9	is	be	AUX
fsr-3530	88	10	the	the	DET
fsr-3530	88	11	probability	probability	NOUN
fsr-3530	88	12	of	of	ADP
fsr-3530	88	13	investing	invest	VERB
fsr-3530	88	14	in	in	ADP
fsr-3530	88	15	cryptocurrency	cryptocurrency	NOUN
fsr-3530	88	16	;	;	PUNCT
fsr-3530	88	17	b	b	X
fsr-3530	88	18	0	0	NUM
fsr-3530	88	19	is	be	AUX
fsr-3530	88	20	an	an	DET
fsr-3530	88	21	intercept	intercept	NOUN
fsr-3530	88	22	;	;	PUNCT
fsr-3530	88	23	il	il	PROPN
fsr-3530	88	24	denotes	denote	VERB
fsr-3530	88	25	the	the	DET
fsr-3530	88	26	level	level	NOUN
fsr-3530	88	27	of	of	ADP
fsr-3530	88	28	investment	investment	NOUN
fsr-3530	88	29	literacy	literacy	NOUN
fsr-3530	88	30	including	include	VERB
fsr-3530	88	31	objective	objective	ADJ
fsr-3530	88	32	,	,	PUNCT
fsr-3530	88	33	subjective	subjective	ADJ
fsr-3530	88	34	investment	investment	NOUN
fsr-3530	88	35	literacy	literacy	NOUN
fsr-3530	88	36	(	(	PUNCT
fsr-3530	88	37	baseline	baseline	NOUN
fsr-3530	88	38	model	model	NOUN
fsr-3530	88	39	)	)	PUNCT
fsr-3530	88	40	and	and	CCONJ
fsr-3530	88	41	three	three	NUM
fsr-3530	88	42	overconfidence	overconfidence	NOUN
fsr-3530	88	43	induce	induce	VERB
fsr-3530	88	44	.	.	PUNCT
fsr-3530	89	1	the	the	DET
fsr-3530	89	2	control	control	NOUN
fsr-3530	89	3	variables	variable	NOUN
fsr-3530	89	4	and	and	CCONJ
fsr-3530	89	5	state	state	NOUN
fsr-3530	89	6	of	of	ADP
fsr-3530	89	7	residence	residence	NOUN
fsr-3530	89	8	are	be	AUX
fsr-3530	89	9	denoted	denote	VERB
fsr-3530	89	10	as	as	ADP
fsr-3530	89	11	xi	xi	PROPN
fsr-3530	89	12	.	.	PROPN
fsr-3530	89	13	4	4	NUM
fsr-3530	89	14	.	.	NOUN
fsr-3530	89	15	results	result	VERB
fsr-3530	89	16	4.1	4.1	NUM
fsr-3530	89	17	.	.	PUNCT
fsr-3530	90	1	descriptive	descriptive	ADJ
fsr-3530	90	2	results	result	NOUN
fsr-3530	90	3	as	as	SCONJ
fsr-3530	90	4	shown	show	VERB
fsr-3530	90	5	in	in	ADP
fsr-3530	90	6	table	table	NOUN
fsr-3530	90	7	1	1	NUM
fsr-3530	90	8	,	,	PUNCT
fsr-3530	90	9	about	about	ADV
fsr-3530	90	10	13	13	NUM
fsr-3530	90	11	%	%	NOUN
fsr-3530	90	12	of	of	ADP
fsr-3530	90	13	investors	investor	NOUN
fsr-3530	90	14	invested	invest	VERB
fsr-3530	90	15	in	in	ADP
fsr-3530	90	16	cryptocurrency	cryptocurrency	NOUN
fsr-3530	90	17	directly	directly	ADV
fsr-3530	90	18	or	or	CCONJ
fsr-3530	90	19	indirectly	indirectly	ADV
fsr-3530	90	20	.	.	PUNCT
fsr-3530	91	1	based	base	VERB
fsr-3530	91	2	on	on	ADP
fsr-3530	91	3	the	the	DET
fsr-3530	91	4	proportion	proportion	NOUN
fsr-3530	91	5	of	of	ADP
fsr-3530	91	6	all	all	DET
fsr-3530	91	7	households	household	NOUN
fsr-3530	91	8	with	with	ADP
fsr-3530	91	9	nonretirement	nonretirement	ADJ
fsr-3530	91	10	investments	investment	NOUN
fsr-3530	91	11	,	,	PUNCT
fsr-3530	91	12	we	we	PRON
fsr-3530	91	13	can	can	AUX
fsr-3530	91	14	infer	infer	VERB
fsr-3530	91	15	that	that	SCONJ
fsr-3530	91	16	less	less	ADJ
fsr-3530	91	17	than	than	ADP
fsr-3530	91	18	4	4	NUM
fsr-3530	91	19	%	%	NOUN
fsr-3530	91	20	of	of	ADP
fsr-3530	91	21	all	all	DET
fsr-3530	91	22	households	household	NOUN
fsr-3530	91	23	held	hold	VERB
fsr-3530	91	24	cryptocurrency	cryptocurrency	NOUN
fsr-3530	91	25	.	.	PUNCT
fsr-3530	92	1	we	we	PRON
fsr-3530	92	2	also	also	ADV
fsr-3530	92	3	tested	test	VERB
fsr-3530	92	4	the	the	DET
fsr-3530	92	5	mean	mean	ADJ
fsr-3530	92	6	differences	difference	NOUN
fsr-3530	92	7	in	in	ADP
fsr-3530	92	8	investment	investment	NOUN
fsr-3530	92	9	literacy	literacy	NOUN
fsr-3530	92	10	of	of	ADP
fsr-3530	92	11	cryptocurrency	cryptocurrency	NOUN
fsr-3530	92	12	investors	investor	NOUN
fsr-3530	92	13	and	and	CCONJ
fsr-3530	92	14	noninvestors	noninvestor	NOUN
fsr-3530	92	15	.	.	PUNCT
fsr-3530	93	1	respondents	respondent	NOUN
fsr-3530	93	2	owning	own	VERB
fsr-3530	93	3	cryptocurrency	cryptocurrency	NOUN
fsr-3530	93	4	investments	investment	NOUN
fsr-3530	93	5	had	have	VERB
fsr-3530	93	6	lower	low	ADJ
fsr-3530	93	7	objective	objective	ADJ
fsr-3530	93	8	investment	investment	NOUN
fsr-3530	93	9	literacy	literacy	NOUN
fsr-3530	93	10	scores	score	NOUN
fsr-3530	93	11	and	and	CCONJ
fsr-3530	93	12	higher	high	ADJ
fsr-3530	93	13	subjective	subjective	ADJ
fsr-3530	93	14	literacy	literacy	NOUN
fsr-3530	93	15	than	than	ADP
fsr-3530	93	16	noncryptocurrency	noncryptocurrency	NOUN
fsr-3530	93	17	investors	investor	NOUN
fsr-3530	93	18	.	.	PUNCT
fsr-3530	94	1	in	in	ADP
fsr-3530	94	2	addition	addition	NOUN
fsr-3530	94	3	,	,	PUNCT
fsr-3530	94	4	the	the	DET
fsr-3530	94	5	level	level	NOUN
fsr-3530	94	6	of	of	ADP
fsr-3530	94	7	overconfidence	overconfidence	NOUN
fsr-3530	94	8	in	in	ADP
fsr-3530	94	9	investment	investment	NOUN
fsr-3530	94	10	literacy	literacy	NOUN
fsr-3530	94	11	was	be	AUX
fsr-3530	94	12	higher	high	ADJ
fsr-3530	94	13	for	for	ADP
fsr-3530	94	14	cryptocurrency	cryptocurrency	NOUN
fsr-3530	94	15	owners	owner	NOUN
fsr-3530	94	16	than	than	ADP
fsr-3530	94	17	nonowners	nonowner	NOUN
fsr-3530	94	18	across	across	ADP
fsr-3530	94	19	three	three	NUM
fsr-3530	94	20	overconfidence	overconfidence	NOUN
fsr-3530	94	21	indexes	index	NOUN
fsr-3530	94	22	.	.	PUNCT
fsr-3530	95	1	socio	socio	NOUN
fsr-3530	95	2	-	-	ADJ
fsr-3530	95	3	demographic	demographic	ADJ
fsr-3530	95	4	characteristics	characteristic	NOUN
fsr-3530	95	5	of	of	ADP
fsr-3530	95	6	the	the	DET
fsr-3530	95	7	analytic	analytic	ADJ
fsr-3530	95	8	sample	sample	NOUN
fsr-3530	95	9	are	be	AUX
fsr-3530	95	10	presented	present	VERB
fsr-3530	95	11	in	in	ADP
fsr-3530	95	12	appendix	appendix	NOUN
fsr-3530	95	13	.	.	PUNCT
fsr-3530	96	1	4.2	4.2	NUM
fsr-3530	96	2	.	.	PUNCT
fsr-3530	96	3	multivariate	multivariate	NOUN
fsr-3530	96	4	results	result	VERB
fsr-3530	96	5	results	result	NOUN
fsr-3530	96	6	of	of	ADP
fsr-3530	96	7	logistic	logistic	ADJ
fsr-3530	96	8	regressions	regression	NOUN
fsr-3530	96	9	on	on	ADP
fsr-3530	96	10	cryptocurrency	cryptocurrency	NOUN
fsr-3530	96	11	investment	investment	NOUN
fsr-3530	96	12	are	be	AUX
fsr-3530	96	13	reported	report	VERB
fsr-3530	96	14	in	in	ADP
fsr-3530	96	15	table	table	NOUN
fsr-3530	96	16	2	2	NUM
fsr-3530	96	17	.	.	PUNCT
fsr-3530	97	1	in	in	ADP
fsr-3530	97	2	model	model	NOUN
fsr-3530	97	3	a	a	DET
fsr-3530	97	4	(	(	PUNCT
fsr-3530	97	5	baseline	baseline	NOUN
fsr-3530	97	6	)	)	PUNCT
fsr-3530	97	7	,	,	PUNCT
fsr-3530	97	8	objective	objective	ADJ
fsr-3530	97	9	investment	investment	NOUN
fsr-3530	97	10	literacy	literacy	NOUN
fsr-3530	97	11	was	be	AUX
fsr-3530	97	12	negatively	negatively	ADV
fsr-3530	97	13	,	,	PUNCT
fsr-3530	97	14	but	but	CCONJ
fsr-3530	97	15	subjective	subjective	ADJ
fsr-3530	97	16	literacy	literacy	NOUN
fsr-3530	97	17	was	be	AUX
fsr-3530	97	18	positively	positively	ADV
fsr-3530	97	19	associated	associate	VERB
fsr-3530	97	20	with	with	ADP
fsr-3530	97	21	investing	invest	VERB
fsr-3530	97	22	in	in	ADP
fsr-3530	97	23	cryptocurrency	cryptocurrency	NOUN
fsr-3530	97	24	.	.	PUNCT
fsr-3530	98	1	in	in	ADP
fsr-3530	98	2	particular	particular	ADJ
fsr-3530	98	3	,	,	PUNCT
fsr-3530	98	4	a	a	DET
fsr-3530	98	5	one	one	NUM
fsr-3530	98	6	unit	unit	NOUN
fsr-3530	98	7	increase	increase	NOUN
fsr-3530	98	8	in	in	ADP
fsr-3530	98	9	objective	objective	ADJ
fsr-3530	98	10	literacy	literacy	NOUN
fsr-3530	98	11	decreased	decrease	VERB
fsr-3530	98	12	the	the	DET
fsr-3530	98	13	odds	odd	NOUN
fsr-3530	98	14	of	of	ADP
fsr-3530	98	15	investing	invest	VERB
fsr-3530	98	16	in	in	ADP
fsr-3530	98	17	cryptocurrency	cryptocurrency	NOUN
fsr-3530	98	18	by	by	ADP
fsr-3530	98	19	10.5	10.5	NUM
fsr-3530	98	20	%	%	NOUN
fsr-3530	98	21	;	;	PUNCT
fsr-3530	98	22	while	while	SCONJ
fsr-3530	98	23	a	a	DET
fsr-3530	98	24	one	one	NUM
fsr-3530	98	25	table	table	NOUN
fsr-3530	98	26	1	1	NUM
fsr-3530	98	27	descriptive	descriptive	ADJ
fsr-3530	98	28	results	result	NOUN
fsr-3530	98	29	of	of	ADP
fsr-3530	98	30	selected	select	VERB
fsr-3530	98	31	variables	variable	NOUN
fsr-3530	98	32	,	,	PUNCT
fsr-3530	98	33	2018	2018	NUM
fsr-3530	98	34	nfcs	nfc	NOUN
fsr-3530	98	35	investor	investor	NOUN
fsr-3530	98	36	survey	survey	NOUN
fsr-3530	98	37	variables	variable	VERB
fsr-3530	98	38	all	all	DET
fsr-3530	98	39	investors	investor	NOUN
fsr-3530	98	40	investing	invest	VERB
fsr-3530	98	41	in	in	ADP
fsr-3530	98	42	cryptocurrency	cryptocurrency	NOUN
fsr-3530	98	43	not	not	PART
fsr-3530	98	44	investing	invest	VERB
fsr-3530	98	45	in	in	ADP
fsr-3530	98	46	cryptocurrency	cryptocurrency	NOUN
fsr-3530	98	47	dependent	dependent	ADJ
fsr-3530	98	48	variable	variable	NOUN
fsr-3530	98	49	investing	invest	VERB
fsr-3530	98	50	in	in	ADP
fsr-3530	98	51	cryptocurrency	cryptocurrency	NOUN
fsr-3530	98	52	12.90	12.90	NUM
fsr-3530	98	53	%	%	NOUN
fsr-3530	98	54	—	—	PUNCT
fsr-3530	98	55	—	—	PUNCT
fsr-3530	98	56	investment	investment	NOUN
fsr-3530	98	57	literacy	literacy	NOUN
fsr-3530	98	58	objective	objective	ADJ
fsr-3530	98	59	literacy	literacy	NOUN
fsr-3530	98	60	(	(	PUNCT
fsr-3530	98	61	0–10	0–10	NOUN
fsr-3530	98	62	)	)	PUNCT
fsr-3530	98	63	,	,	PUNCT
fsr-3530	98	64	mean	mean	VERB
fsr-3530	98	65	(	(	PUNCT
fsr-3530	98	66	median	median	PROPN
fsr-3530	98	67	)	)	PUNCT
fsr-3530	98	68	4.77	4.77	NUM
fsr-3530	98	69	(	(	PUNCT
fsr-3530	98	70	5.00	5.00	NUM
fsr-3530	98	71	)	)	PUNCT
fsr-3530	98	72	3.96	3.96	NUM
fsr-3530	98	73	(	(	PUNCT
fsr-3530	98	74	4.00	4.00	NUM
fsr-3530	98	75	)	)	PUNCT
fsr-3530	98	76	*	*	PUNCT
fsr-3530	99	1	*	*	PUNCT
fsr-3530	99	2	*	*	PUNCT
fsr-3530	99	3	4.89	4.89	NUM
fsr-3530	99	4	(	(	PUNCT
fsr-3530	99	5	5.00	5.00	NUM
fsr-3530	99	6	)	)	PUNCT
fsr-3530	99	7	subjective	subjective	ADJ
fsr-3530	99	8	literacy	literacy	NOUN
fsr-3530	99	9	(	(	PUNCT
fsr-3530	99	10	1	1	NUM
fsr-3530	99	11	-	-	SYM
fsr-3530	99	12	7	7	NUM
fsr-3530	99	13	)	)	PUNCT
fsr-3530	99	14	,	,	PUNCT
fsr-3530	99	15	mean	mean	VERB
fsr-3530	99	16	(	(	PUNCT
fsr-3530	99	17	median	median	PROPN
fsr-3530	99	18	)	)	PUNCT
fsr-3530	99	19	4.79	4.79	NUM
fsr-3530	99	20	(	(	PUNCT
fsr-3530	99	21	5.00	5.00	NUM
fsr-3530	99	22	)	)	PUNCT
fsr-3530	99	23	5.55	5.55	NUM
fsr-3530	99	24	(	(	PUNCT
fsr-3530	99	25	6.00	6.00	NUM
fsr-3530	99	26	)	)	PUNCT
fsr-3530	99	27	*	*	PUNCT
fsr-3530	100	1	*	*	PUNCT
fsr-3530	100	2	*	*	PUNCT
fsr-3530	100	3	4.68	4.68	NUM
fsr-3530	100	4	(	(	PUNCT
fsr-3530	100	5	5.00	5.00	NUM
fsr-3530	100	6	)	)	PUNCT
fsr-3530	100	7	overconfidence	overconfidence	NOUN
fsr-3530	100	8	in	in	ADP
fsr-3530	100	9	investment	investment	NOUN
fsr-3530	100	10	literacy	literacy	NOUN
fsr-3530	100	11	index	index	NOUN
fsr-3530	100	12	1	1	NUM
fsr-3530	100	13	(	(	PUNCT
fsr-3530	100	14	high	high	ADJ
fsr-3530	100	15	subjective	subjective	ADJ
fsr-3530	100	16	/	/	SYM
fsr-3530	100	17	low	low	ADJ
fsr-3530	100	18	objective	objective	ADJ
fsr-3530	100	19	literacy	literacy	NOUN
fsr-3530	100	20	)	)	PUNCT
fsr-3530	100	21	28.28	28.28	NUM
fsr-3530	100	22	%	%	NOUN
fsr-3530	100	23	58.7	58.7	NUM
fsr-3530	100	24	%	%	NOUN
fsr-3530	100	25	*	*	PUNCT
fsr-3530	100	26	*	*	PUNCT
fsr-3530	100	27	*	*	PUNCT
fsr-3530	100	28	23.9	23.9	NUM
fsr-3530	100	29	%	%	NOUN
fsr-3530	100	30	index	index	NOUN
fsr-3530	100	31	2	2	NUM
fsr-3530	100	32	(	(	PUNCT
fsr-3530	100	33	numerical	numerical	ADJ
fsr-3530	100	34	difference	difference	NOUN
fsr-3530	100	35	)	)	PUNCT
fsr-3530	100	36	,	,	PUNCT
fsr-3530	100	37	mean	mean	VERB
fsr-3530	100	38	(	(	PUNCT
fsr-3530	100	39	median	median	PROPN
fsr-3530	100	40	)	)	PUNCT
fsr-3530	100	41	0.02	0.02	NUM
fsr-3530	100	42	(	(	PUNCT
fsr-3530	100	43	0.00	0.00	NUM
fsr-3530	100	44	)	)	PUNCT
fsr-3530	100	45	1.58	1.58	NUM
fsr-3530	100	46	(	(	PUNCT
fsr-3530	100	47	3.00	3.00	NUM
fsr-3530	100	48	)	)	PUNCT
fsr-3530	100	49	*	*	PUNCT
fsr-3530	101	1	*	*	PUNCT
fsr-3530	101	2	*	*	PUNCT
fsr-3530	101	3	#	#	SYM
fsr-3530	101	4	0.21	0.21	NUM
fsr-3530	101	5	(	(	PUNCT
fsr-3530	101	6	0.00	0.00	NUM
fsr-3530	101	7	)	)	PUNCT
fsr-3530	101	8	index	index	NOUN
fsr-3530	101	9	3	3	NUM
fsr-3530	101	10	(	(	PUNCT
fsr-3530	101	11	residual	residual	ADJ
fsr-3530	101	12	measure	measure	NOUN
fsr-3530	101	13	)	)	PUNCT
fsr-3530	101	14	,	,	PUNCT
fsr-3530	101	15	mean	mean	VERB
fsr-3530	101	16	(	(	PUNCT
fsr-3530	101	17	median	median	PROPN
fsr-3530	101	18	)	)	PUNCT
fsr-3530	101	19	0.00	0.00	NUM
fsr-3530	101	20	(	(	PUNCT
fsr-3530	101	21	0.18	0.18	NUM
fsr-3530	101	22	)	)	PUNCT
fsr-3530	101	23	0.86	0.86	NUM
fsr-3530	101	24	(	(	PUNCT
fsr-3530	101	25	1.04	1.04	NUM
fsr-3530	101	26	)	)	PUNCT
fsr-3530	101	27	*	*	PUNCT
fsr-3530	102	1	*	*	PUNCT
fsr-3530	102	2	*	*	PUNCT
fsr-3530	102	3	#	#	SYM
fsr-3530	102	4	0.13	0.13	NUM
fsr-3530	102	5	(	(	PUNCT
fsr-3530	102	6	0.04	0.04	NUM
fsr-3530	102	7	)	)	PUNCT
fsr-3530	102	8	notes	note	NOUN
fsr-3530	102	9	.	.	PUNCT
fsr-3530	103	1	weighted	weight	VERB
fsr-3530	103	2	results	result	NOUN
fsr-3530	103	3	.	.	PUNCT
fsr-3530	104	1	t	t	NOUN
fsr-3530	104	2	test	test	NOUN
fsr-3530	104	3	or	or	CCONJ
fsr-3530	104	4	x2	x2	PROPN
fsr-3530	104	5	are	be	AUX
fsr-3530	104	6	conducted	conduct	VERB
fsr-3530	104	7	for	for	ADP
fsr-3530	104	8	a	a	DET
fsr-3530	104	9	group	group	NOUN
fsr-3530	104	10	comparison	comparison	NOUN
fsr-3530	104	11	.	.	PUNCT
fsr-3530	105	1	significance	significance	NOUN
fsr-3530	105	2	level	level	NOUN
fsr-3530	105	3	:	:	PUNCT
fsr-3530	106	1	*	*	PUNCT
fsr-3530	106	2	p	p	X
fsr-3530	106	3	<	<	X
fsr-3530	106	4	.05	.05	NUM
fsr-3530	106	5	,	,	PUNCT
fsr-3530	106	6	*	*	PUNCT
fsr-3530	106	7	*	*	PUNCT
fsr-3530	106	8	p	p	X
fsr-3530	106	9	<	<	X
fsr-3530	106	10	.01	.01	NUM
fsr-3530	106	11	,	,	PUNCT
fsr-3530	106	12	*	*	PUNCT
fsr-3530	106	13	*	*	PUNCT
fsr-3530	106	14	*	*	PUNCT
fsr-3530	106	15	p	p	X
fsr-3530	106	16	<	<	X
fsr-3530	106	17	.001	.001	NUM
fsr-3530	106	18	.	.	PUNCT
fsr-3530	107	1	126	126	NUM
fsr-3530	107	2	k.	k.	NOUN
fsr-3530	107	3	t.	t.	PROPN
fsr-3530	107	4	kim	kim	PROPN
fsr-3530	107	5	et	et	PROPN
fsr-3530	107	6	al	al	PROPN
fsr-3530	107	7	.	.	PUNCT
fsr-3530	107	8	/	/	SYM
fsr-3530	107	9	financial	financial	ADJ
fsr-3530	107	10	services	service	NOUN
fsr-3530	107	11	review	review	VERB
fsr-3530	107	12	31	31	NUM
fsr-3530	107	13	(	(	PUNCT
fsr-3530	107	14	2023	2023	NUM
fsr-3530	107	15	)	)	PUNCT
fsr-3530	107	16	121–132	121–132	NUM
fsr-3530	107	17	t	t	NOUN
fsr-3530	107	18	ab	ab	X
fsr-3530	107	19	le	le	X
fsr-3530	107	20	2	2	NUM
fsr-3530	107	21	l	l	NOUN
fsr-3530	108	1	o	o	X
fsr-3530	109	1	g	g	NOUN
fsr-3530	109	2	is	be	AUX
fsr-3530	109	3	ti	ti	X
fsr-3530	109	4	c	c	NOUN
fsr-3530	109	5	re	re	ADP
fsr-3530	109	6	g	g	PROPN
fsr-3530	109	7	re	re	ADP
fsr-3530	109	8	ss	ss	PROPN
fsr-3530	109	9	io	io	PROPN
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fsr-3530	109	11	s	s	PROPN
fsr-3530	109	12	o	o	NOUN
fsr-3530	109	13	n	n	ADP
fsr-3530	109	14	cr	cr	NOUN
fsr-3530	109	15	y	y	PROPN
fsr-3530	109	16	p	p	X
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fsr-3530	109	18	cu	cu	PROPN
fsr-3530	109	19	rr	rr	X
fsr-3530	110	1	en	en	X
fsr-3530	110	2	cy	cy	PROPN
fsr-3530	110	3	in	in	ADP
fsr-3530	110	4	v	v	NUM
fsr-3530	110	5	es	es	ADP
fsr-3530	110	6	tm	tm	PROPN
fsr-3530	110	7	en	en	PROPN
fsr-3530	110	8	t	t	PROPN
fsr-3530	110	9	,	,	PUNCT
fsr-3530	110	10	2	2	NUM
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fsr-3530	110	12	1	1	NUM
fsr-3530	110	13	8	8	NUM
fsr-3530	110	14	n	n	NUM
fsr-3530	110	15	f	f	NOUN
fsr-3530	110	16	c	c	NOUN
fsr-3530	110	17	s	s	PROPN
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fsr-3530	110	19	v	v	NOUN
fsr-3530	110	20	es	es	ADP
fsr-3530	110	21	to	to	ADP
fsr-3530	110	22	r	r	PROPN
fsr-3530	110	23	su	su	PROPN
fsr-3530	110	24	rv	rv	PROPN
fsr-3530	111	1	ey	ey	PROPN
fsr-3530	111	2	v	v	PROPN
fsr-3530	111	3	ar	ar	PROPN
fsr-3530	111	4	ia	ia	PROPN
fsr-3530	111	5	b	b	PROPN
fsr-3530	111	6	le	le	X
fsr-3530	111	7	s	s	X
fsr-3530	111	8	(	(	PUNCT
fsr-3530	111	9	a	a	PRON
fsr-3530	111	10	)	)	PUNCT
fsr-3530	111	11	b	b	NOUN
fsr-3530	111	12	as	as	ADP
fsr-3530	111	13	el	el	PROPN
fsr-3530	111	14	in	in	ADP
fsr-3530	111	15	e	e	PROPN
fsr-3530	111	16	m	m	NOUN
fsr-3530	111	17	o	o	PROPN
fsr-3530	111	18	d	d	X
fsr-3530	111	19	el	el	PROPN
fsr-3530	111	20	(	(	PUNCT
fsr-3530	111	21	b	b	PROPN
fsr-3530	111	22	)	)	PUNCT
fsr-3530	111	23	o	o	NOUN
fsr-3530	111	24	ve	ve	VERB
fsr-3530	111	25	rc	rc	PROPN
fsr-3530	111	26	on	on	ADP
fsr-3530	111	27	fi	fi	PROPN
fsr-3530	111	28	de	de	X
fsr-3530	111	29	nc	nc	PROPN
fsr-3530	111	30	e	e	PROPN
fsr-3530	111	31	in	in	ADP
fsr-3530	111	32	de	de	X
fsr-3530	111	33	x	x	SYM
fsr-3530	111	34	1	1	NUM
fsr-3530	111	35	(	(	PUNCT
fsr-3530	111	36	h	h	NOUN
fsr-3530	111	37	ig	ig	PROPN
fsr-3530	111	38	h	h	NOUN
fsr-3530	111	39	su	su	NOUN
fsr-3530	111	40	bj	bj	ADP
fsr-3530	111	41	ec	ec	PROPN
fsr-3530	111	42	ti	ti	PROPN
fsr-3530	111	43	ve	ve	PROPN
fsr-3530	111	44	,	,	PUNCT
fsr-3530	112	1	lo	lo	PROPN
fsr-3530	112	2	w	w	PROPN
fsr-3530	112	3	ob	ob	PROPN
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fsr-3530	112	5	ct	ct	NUM
fsr-3530	112	6	iv	iv	NUM
fsr-3530	112	7	e	e	NOUN
fsr-3530	112	8	)	)	PUNCT
fsr-3530	112	9	(	(	PUNCT
fsr-3530	112	10	c	c	X
fsr-3530	112	11	)	)	PUNCT
fsr-3530	113	1	o	o	NOUN
fsr-3530	113	2	v	v	X
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fsr-3530	113	4	co	co	ADJ
fsr-3530	113	5	nfi	nfi	PROPN
fsr-3530	113	6	d	d	PROPN
fsr-3530	113	7	en	en	PROPN
fsr-3530	113	8	ce	ce	PROPN
fsr-3530	113	9	in	in	ADP
fsr-3530	113	10	d	d	X
fsr-3530	113	11	ex	ex	X
fsr-3530	113	12	2	2	NUM
fsr-3530	113	13	a	a	PRON
fsr-3530	113	14	(	(	PUNCT
fsr-3530	113	15	d	d	NOUN
fsr-3530	113	16	is	be	AUX
fsr-3530	113	17	cr	cr	PROPN
fsr-3530	113	18	ep	ep	PROPN
fsr-3530	113	19	an	an	DET
fsr-3530	113	20	cy	cy	PROPN
fsr-3530	113	21	)	)	PUNCT
fsr-3530	113	22	(	(	PUNCT
fsr-3530	113	23	d	d	X
fsr-3530	113	24	)	)	PUNCT
fsr-3530	113	25	o	o	NOUN
fsr-3530	113	26	v	v	INTJ
fsr-3530	113	27	er	er	INTJ
fsr-3530	113	28	co	co	NOUN
fsr-3530	113	29	n	n	PROPN
fsr-3530	113	30	fi	fi	NOUN
fsr-3530	114	1	d	d	X
fsr-3530	114	2	en	en	X
fsr-3530	114	3	ce	ce	PROPN
fsr-3530	114	4	in	in	ADP
fsr-3530	114	5	d	d	X
fsr-3530	114	6	ex	ex	X
fsr-3530	114	7	3b	3b	NOUN
fsr-3530	114	8	(	(	PUNCT
fsr-3530	114	9	r	r	NOUN
fsr-3530	114	10	es	es	X
fsr-3530	114	11	i	i	PROPN
fsr-3530	114	12	d	d	PROPN
fsr-3530	114	13	u	u	PROPN
fsr-3530	114	14	al	al	PROPN
fsr-3530	114	15	)	)	PUNCT
fsr-3530	114	16	c	c	PROPN
fsr-3530	115	1	o	o	NOUN
fsr-3530	115	2	ef	ef	PROPN
fsr-3530	115	3	f.	f.	PROPN
fsr-3530	115	4	s	s	PROPN
fsr-3530	116	1	e	e	NOUN
fsr-3530	116	2	c	c	NOUN
fsr-3530	116	3	o	o	PROPN
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fsr-3530	116	5	f.	f.	PROPN
fsr-3530	116	6	s	s	PROPN
fsr-3530	117	1	e	e	NOUN
fsr-3530	117	2	c	c	NOUN
fsr-3530	117	3	o	o	PROPN
fsr-3530	117	4	ef	ef	PROPN
fsr-3530	117	5	f.	f.	PROPN
fsr-3530	117	6	s	s	PROPN
fsr-3530	118	1	e	e	NOUN
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fsr-3530	118	3	o	o	PROPN
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fsr-3530	118	5	f.	f.	PROPN
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fsr-3530	118	7	e	e	NOUN
fsr-3530	118	8	in	in	ADP
fsr-3530	118	9	v	v	NUM
fsr-3530	118	10	es	es	ADP
fsr-3530	118	11	tm	tm	PROPN
fsr-3530	118	12	en	en	PROPN
fsr-3530	118	13	t	t	PROPN
fsr-3530	118	14	li	li	PROPN
fsr-3530	119	1	te	te	PROPN
fsr-3530	119	2	ra	ra	PROPN
fsr-3530	119	3	cy	cy	PROPN
fsr-3530	119	4	v	v	PROPN
fsr-3530	119	5	ar	ar	PROPN
fsr-3530	119	6	ia	ia	PROPN
fsr-3530	119	7	b	b	PROPN
fsr-3530	119	8	le	le	PROPN
fsr-3530	119	9	s	s	PROPN
fsr-3530	119	10	o	o	X
fsr-3530	119	11	b	b	X
fsr-3530	119	12	je	je	X
fsr-3530	119	13	ct	ct	NUM
fsr-3530	119	14	iv	iv	NUM
fsr-3530	119	15	e	e	PROPN
fsr-3530	119	16	li	li	PROPN
fsr-3530	119	17	te	te	PROPN
fsr-3530	119	18	ra	ra	PROPN
fsr-3530	119	19	cy	cy	PROPN
fsr-3530	119	20	#	#	NOUN
fsr-3530	119	21	0	0	NUM
fsr-3530	119	22	.1	.1	NUM
fsr-3530	119	23	1	1	NUM
fsr-3530	119	24	1	1	NUM
fsr-3530	119	25	4	4	NUM
fsr-3530	119	26	*	*	SYM
fsr-3530	119	27	0	0	NUM
fsr-3530	120	1	.0	.0	NUM
fsr-3530	120	2	4	4	NUM
fsr-3530	120	3	7	7	NUM
fsr-3530	120	4	2	2	NUM
fsr-3530	120	5	—	—	PUNCT
fsr-3530	120	6	—	—	PUNCT
fsr-3530	120	7	—	—	PUNCT
fsr-3530	120	8	—	—	PUNCT
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fsr-3530	120	11	s	s	VERB
fsr-3530	120	12	u	u	PROPN
fsr-3530	120	13	b	b	PROPN
fsr-3530	120	14	je	je	X
fsr-3530	120	15	ct	ct	NUM
fsr-3530	120	16	iv	iv	NUM
fsr-3530	120	17	e	e	PROPN
fsr-3530	120	18	li	li	PROPN
fsr-3530	120	19	te	te	PROPN
fsr-3530	120	20	ra	ra	PROPN
fsr-3530	121	1	cy	cy	INTJ
fsr-3530	121	2	0	0	NUM
fsr-3530	121	3	.5	.5	NUM
fsr-3530	121	4	9	9	NUM
fsr-3530	121	5	1	1	NUM
fsr-3530	121	6	*	*	PUNCT
fsr-3530	121	7	*	*	PUNCT
fsr-3530	122	1	*	*	PUNCT
fsr-3530	122	2	0	0	NUM
fsr-3530	122	3	.0	.0	NUM
fsr-3530	122	4	8	8	NUM
fsr-3530	122	5	1	1	NUM
fsr-3530	122	6	2	2	NUM
fsr-3530	122	7	—	—	PUNCT
fsr-3530	122	8	—	—	PUNCT
fsr-3530	122	9	—	—	PUNCT
fsr-3530	122	10	—	—	PUNCT
fsr-3530	122	11	—	—	PUNCT
fsr-3530	122	12	—	—	PUNCT
fsr-3530	122	13	o	o	NOUN
fsr-3530	122	14	v	v	X
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fsr-3530	122	17	n	n	PROPN
fsr-3530	122	18	fi	fi	NOUN
fsr-3530	122	19	d	d	X
fsr-3530	122	20	en	en	PROPN
fsr-3530	122	21	ce	ce	PROPN
fsr-3530	122	22	in	in	ADP
fsr-3530	122	23	li	li	PROPN
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fsr-3530	122	25	ra	ra	PROPN
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fsr-3530	122	27	—	—	PUNCT
fsr-3530	122	28	—	—	PUNCT
fsr-3530	122	29	1	1	NUM
fsr-3530	122	30	.1	.1	NUM
fsr-3530	122	31	2	2	NUM
fsr-3530	122	32	2	2	NUM
fsr-3530	122	33	4	4	NUM
fsr-3530	122	34	*	*	PUNCT
fsr-3530	122	35	*	*	PUNCT
fsr-3530	123	1	*	*	PUNCT
fsr-3530	123	2	0	0	PUNCT
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fsr-3530	123	8	.2	.2	NUM
fsr-3530	123	9	3	3	NUM
fsr-3530	123	10	6	6	NUM
fsr-3530	123	11	9	9	NUM
fsr-3530	123	12	*	*	PUNCT
fsr-3530	124	1	*	*	PUNCT
fsr-3530	124	2	*	*	PUNCT
fsr-3530	124	3	0	0	NUM
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fsr-3530	126	1	4	4	NUM
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fsr-3530	126	3	0	0	NUM
fsr-3530	126	4	.5	.5	NUM
fsr-3530	126	5	9	9	NUM
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fsr-3530	126	7	9	9	NUM
fsr-3530	126	8	*	*	PUNCT
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fsr-3530	127	1	*	*	PUNCT
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fsr-3530	128	2	8	8	NUM
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fsr-3530	128	4	7	7	NUM
fsr-3530	128	5	a	a	DET
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fsr-3530	128	13	1	1	NUM
fsr-3530	128	14	*	*	PUNCT
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fsr-3530	129	1	*	*	PUNCT
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fsr-3530	129	4	1	1	NUM
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fsr-3530	129	7	#	#	NOUN
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fsr-3530	129	12	8	8	NUM
fsr-3530	129	13	*	*	PUNCT
fsr-3530	130	1	*	*	PUNCT
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fsr-3530	131	2	1	1	NUM
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fsr-3530	131	4	2	2	NUM
fsr-3530	131	5	#	#	NOUN
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fsr-3530	131	8	8	8	NUM
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fsr-3530	131	11	*	*	PUNCT
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fsr-3530	133	2	1	1	NUM
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fsr-3530	133	5	#	#	NOUN
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fsr-3530	134	21	.3	.3	NUM
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fsr-3530	134	26	.1	.1	NUM
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fsr-3530	134	36	0	0	PUNCT
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fsr-3530	134	47	.1	.1	NUM
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fsr-3530	134	51	m	m	NOUN
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fsr-3530	140	5	s	s	PART
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fsr-3530	140	11	iv	iv	X
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fsr-3530	143	4	2	2	NUM
fsr-3530	143	5	0	0	NUM
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fsr-3530	143	7	4	4	NUM
fsr-3530	143	8	8	8	NUM
fsr-3530	143	9	6	6	NUM
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fsr-3530	143	14	8	8	NUM
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fsr-3530	143	17	.3	.3	NUM
fsr-3530	143	18	4	4	NUM
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fsr-3530	143	20	7	7	NUM
fsr-3530	143	21	#	#	NOUN
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fsr-3530	143	26	6	6	NUM
fsr-3530	143	27	0	0	NUM
fsr-3530	143	28	.3	.3	NUM
fsr-3530	143	29	4	4	NUM
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fsr-3530	143	32	#	#	NOUN
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fsr-3530	144	4	6	6	NUM
fsr-3530	144	5	0	0	NUM
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fsr-3530	144	7	4	4	NUM
fsr-3530	144	8	7	7	NUM
fsr-3530	144	9	1	1	NUM
fsr-3530	144	10	p	p	NOUN
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fsr-3530	145	2	f	f	PROPN
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fsr-3530	146	2	ep	ep	PROPN
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fsr-3530	146	5	en	en	PROPN
fsr-3530	146	6	t	t	PROPN
fsr-3530	146	7	ch	ch	PROPN
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fsr-3530	146	9	d	d	PROPN
fsr-3530	146	10	(	(	PUNCT
fsr-3530	146	11	r	r	NOUN
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fsr-3530	146	13	:	:	PUNCT
fsr-3530	146	14	n	n	PROPN
fsr-3530	146	15	o	o	NOUN
fsr-3530	146	16	)	)	PUNCT
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fsr-3530	146	18	.3	.3	NUM
fsr-3530	146	19	5	5	NUM
fsr-3530	146	20	1	1	NUM
fsr-3530	146	21	9	9	NUM
fsr-3530	146	22	0	0	NUM
fsr-3530	147	1	.2	.2	NUM
fsr-3530	147	2	1	1	NUM
fsr-3530	147	3	7	7	NUM
fsr-3530	147	4	1	1	NUM
fsr-3530	147	5	0	0	NUM
fsr-3530	147	6	.3	.3	NUM
fsr-3530	147	7	5	5	NUM
fsr-3530	147	8	0	0	NUM
fsr-3530	147	9	8	8	NUM
fsr-3530	147	10	0	0	NUM
fsr-3530	147	11	.2	.2	NUM
fsr-3530	147	12	1	1	NUM
fsr-3530	147	13	0	0	NUM
fsr-3530	147	14	1	1	NUM
fsr-3530	147	15	0	0	NUM
fsr-3530	147	16	.3	.3	NUM
fsr-3530	147	17	5	5	NUM
fsr-3530	147	18	3	3	NUM
fsr-3530	147	19	9	9	NUM
fsr-3530	147	20	0	0	NUM
fsr-3530	148	1	.2	.2	NUM
fsr-3530	148	2	0	0	NUM
fsr-3530	148	3	9	9	NUM
fsr-3530	148	4	0	0	NUM
fsr-3530	148	5	.3	.3	NUM
fsr-3530	148	6	6	6	NUM
fsr-3530	148	7	2	2	NUM
fsr-3530	148	8	7	7	NUM
fsr-3530	148	9	0	0	NUM
fsr-3530	149	1	.2	.2	NUM
fsr-3530	149	2	1	1	NUM
fsr-3530	149	3	6	6	NUM
fsr-3530	149	4	7	7	NUM
fsr-3530	149	5	r	r	NOUN
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fsr-3530	149	7	e/	e/	ADV
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fsr-3530	149	9	h	h	PROPN
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fsr-3530	149	11	ci	ci	PROPN
fsr-3530	149	12	ty	ty	INTJ
fsr-3530	149	13	(	(	PUNCT
fsr-3530	149	14	r	r	NOUN
fsr-3530	149	15	ef	ef	PROPN
fsr-3530	149	16	:	:	PUNCT
fsr-3530	149	17	w	w	NOUN
fsr-3530	149	18	h	h	NOUN
fsr-3530	150	1	it	it	PRON
fsr-3530	151	1	e	e	NOUN
fsr-3530	151	2	)	)	PUNCT
fsr-3530	151	3	b	b	NOUN
fsr-3530	151	4	la	la	VERB
fsr-3530	151	5	ck	ck	NOUN
fsr-3530	151	6	#	#	NOUN
fsr-3530	151	7	0	0	NUM
fsr-3530	151	8	.0	.0	NUM
fsr-3530	151	9	2	2	NUM
fsr-3530	151	10	7	7	NUM
fsr-3530	151	11	3	3	NUM
fsr-3530	151	12	0	0	NUM
fsr-3530	152	1	.2	.2	NUM
fsr-3530	152	2	8	8	NUM
fsr-3530	152	3	3	3	NUM
fsr-3530	152	4	6	6	NUM
fsr-3530	152	5	0	0	NUM
fsr-3530	152	6	.0	.0	NUM
fsr-3530	152	7	4	4	NUM
fsr-3530	152	8	2	2	NUM
fsr-3530	152	9	7	7	NUM
fsr-3530	152	10	0	0	NUM
fsr-3530	152	11	.2	.2	NUM
fsr-3530	152	12	7	7	NUM
fsr-3530	152	13	4	4	NUM
fsr-3530	152	14	2	2	NUM
fsr-3530	152	15	0	0	NUM
fsr-3530	152	16	.0	.0	NUM
fsr-3530	152	17	8	8	NUM
fsr-3530	152	18	5	5	NUM
fsr-3530	152	19	5	5	NUM
fsr-3530	152	20	0	0	NUM
fsr-3530	152	21	.2	.2	NUM
fsr-3530	152	22	7	7	NUM
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fsr-3530	152	24	7	7	NUM
fsr-3530	152	25	#	#	NOUN
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fsr-3530	152	35	5	5	NUM
fsr-3530	152	36	h	h	NOUN
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fsr-3530	152	38	p	p	PROPN
fsr-3530	152	39	an	an	DET
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fsr-3530	152	41	#	#	NOUN
fsr-3530	152	42	0	0	NUM
fsr-3530	152	43	.3	.3	NUM
fsr-3530	152	44	7	7	NUM
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fsr-3530	152	46	8	8	NUM
fsr-3530	152	47	0	0	NUM
fsr-3530	152	48	.3	.3	NUM
fsr-3530	152	49	4	4	NUM
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fsr-3530	152	52	#	#	NOUN
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fsr-3530	152	60	3	3	NUM
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fsr-3530	152	62	1	1	NUM
fsr-3530	152	63	#	#	NOUN
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fsr-3530	152	74	#	#	NOUN
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fsr-3530	152	77	5	5	NUM
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fsr-3530	152	80	0	0	NUM
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fsr-3530	152	82	4	4	NUM
fsr-3530	152	83	3	3	NUM
fsr-3530	152	84	2	2	NUM
fsr-3530	152	85	a	a	DET
fsr-3530	152	86	si	si	NOUN
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fsr-3530	152	88	/o	/o	X
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fsr-3530	152	91	s	s	PART
fsr-3530	152	92	0	0	NUM
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fsr-3530	153	2	0	0	NUM
fsr-3530	153	3	9	9	NUM
fsr-3530	153	4	9	9	NUM
fsr-3530	153	5	0	0	NUM
fsr-3530	153	6	.3	.3	NUM
fsr-3530	153	7	1	1	NUM
fsr-3530	153	8	5	5	NUM
fsr-3530	153	9	7	7	NUM
fsr-3530	153	10	0	0	NUM
fsr-3530	153	11	.4	.4	NUM
fsr-3530	153	12	5	5	NUM
fsr-3530	153	13	8	8	NUM
fsr-3530	153	14	7	7	NUM
fsr-3530	153	15	0	0	NUM
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fsr-3530	153	17	0	0	NUM
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fsr-3530	153	20	.6	.6	NUM
fsr-3530	153	21	5	5	NUM
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fsr-3530	153	23	5	5	NUM
fsr-3530	153	24	*	*	SYM
fsr-3530	153	25	0	0	NUM
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fsr-3530	153	27	0	0	NUM
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fsr-3530	153	30	0	0	NUM
fsr-3530	153	31	.5	.5	NUM
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fsr-3530	153	34	8	8	NUM
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fsr-3530	153	36	.3	.3	NUM
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fsr-3530	153	39	1	1	NUM
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fsr-3530	153	48	r	r	NOUN
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fsr-3530	155	1	h	h	NOUN
fsr-3530	156	1	o	o	NOUN
fsr-3530	157	1	o	o	X
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fsr-3530	158	1	d	d	NOUN
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fsr-3530	159	13	e	e	NOUN
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fsr-3530	159	17	e	e	PROPN
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fsr-3530	161	4	5	5	NUM
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fsr-3530	162	25	a	a	DET
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fsr-3530	169	3	h	h	PROPN
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fsr-3530	169	5	o	o	NOUN
fsr-3530	169	6	r	r	NOUN
fsr-3530	169	7	d	d	X
fsr-3530	169	8	eg	eg	NOUN
fsr-3530	169	9	re	re	X
fsr-3530	169	10	e	e	X
fsr-3530	169	11	0	0	NUM
fsr-3530	169	12	.3	.3	NUM
fsr-3530	169	13	3	3	NUM
fsr-3530	169	14	2	2	NUM
fsr-3530	169	15	2	2	NUM
fsr-3530	169	16	0	0	NUM
fsr-3530	169	17	.3	.3	NUM
fsr-3530	169	18	5	5	NUM
fsr-3530	169	19	8	8	NUM
fsr-3530	169	20	6	6	NUM
fsr-3530	169	21	0	0	NUM
fsr-3530	169	22	.3	.3	NUM
fsr-3530	169	23	3	3	NUM
fsr-3530	169	24	8	8	NUM
fsr-3530	169	25	7	7	NUM
fsr-3530	169	26	0	0	NUM
fsr-3530	169	27	.3	.3	NUM
fsr-3530	169	28	4	4	NUM
fsr-3530	169	29	8	8	NUM
fsr-3530	169	30	9	9	NUM
fsr-3530	169	31	0	0	NUM
fsr-3530	169	32	.3	.3	NUM
fsr-3530	169	33	8	8	NUM
fsr-3530	169	34	0	0	NUM
fsr-3530	169	35	3	3	NUM
fsr-3530	169	36	0	0	NUM
fsr-3530	169	37	.3	.3	NUM
fsr-3530	169	38	5	5	NUM
fsr-3530	169	39	1	1	NUM
fsr-3530	169	40	1	1	NUM
fsr-3530	169	41	0	0	NUM
fsr-3530	169	42	.3	.3	NUM
fsr-3530	169	43	1	1	NUM
fsr-3530	169	44	0	0	NUM
fsr-3530	169	45	2	2	NUM
fsr-3530	169	46	0	0	NUM
fsr-3530	169	47	.3	.3	NUM
fsr-3530	169	48	5	5	NUM
fsr-3530	169	49	6	6	NUM
fsr-3530	169	50	8	8	NUM
fsr-3530	169	51	e	e	NOUN
fsr-3530	169	52	m	m	PROPN
fsr-3530	169	53	p	p	NOUN
fsr-3530	169	54	lo	lo	PROPN
fsr-3530	169	55	y	y	NOUN
fsr-3530	169	56	m	m	PROPN
fsr-3530	169	57	en	en	PROPN
fsr-3530	169	58	t	t	PROPN
fsr-3530	169	59	st	st	PROPN
fsr-3530	170	1	at	at	ADP
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fsr-3530	170	3	s	s	PART
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fsr-3530	170	5	r	r	NOUN
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fsr-3530	170	7	:	:	PUNCT
fsr-3530	170	8	fu	fu	PROPN
fsr-3530	170	9	ll	ll	AUX
fsr-3530	170	10	-t	-t	VERB
fsr-3530	170	11	i	i	PRON
fsr-3530	170	12	m	m	VERB
fsr-3530	170	13	e	e	VERB
fsr-3530	170	14	em	em	PRON
fsr-3530	171	1	p	p	PROPN
fsr-3530	171	2	lo	lo	PROPN
fsr-3530	171	3	y	y	PROPN
fsr-3530	171	4	ee	ee	PROPN
fsr-3530	171	5	)	)	PUNCT
fsr-3530	171	6	s	s	PROPN
fsr-3530	171	7	el	el	PROPN
fsr-3530	171	8	fem	fem	PROPN
fsr-3530	172	1	p	p	PROPN
fsr-3530	172	2	lo	lo	PROPN
fsr-3530	172	3	y	y	PROPN
fsr-3530	173	1	ed	ed	NOUN
fsr-3530	173	2	#	#	NOUN
fsr-3530	173	3	0	0	NUM
fsr-3530	173	4	.0	.0	NUM
fsr-3530	173	5	0	0	NUM
fsr-3530	173	6	6	6	NUM
fsr-3530	173	7	4	4	NUM
fsr-3530	173	8	0	0	NUM
fsr-3530	173	9	.3	.3	NUM
fsr-3530	173	10	0	0	NUM
fsr-3530	173	11	3	3	NUM
fsr-3530	173	12	2	2	NUM
fsr-3530	173	13	0	0	NUM
fsr-3530	173	14	.0	.0	NUM
fsr-3530	173	15	0	0	NUM
fsr-3530	173	16	6	6	NUM
fsr-3530	173	17	9	9	NUM
fsr-3530	173	18	0	0	NUM
fsr-3530	173	19	.3	.3	NUM
fsr-3530	173	20	0	0	NUM
fsr-3530	173	21	0	0	NUM
fsr-3530	173	22	6	6	NUM
fsr-3530	173	23	0	0	NUM
fsr-3530	173	24	.0	.0	NUM
fsr-3530	173	25	2	2	NUM
fsr-3530	173	26	6	6	NUM
fsr-3530	173	27	6	6	NUM
fsr-3530	173	28	0	0	NUM
fsr-3530	173	29	.2	.2	NUM
fsr-3530	173	30	9	9	NUM
fsr-3530	173	31	8	8	NUM
fsr-3530	173	32	3	3	NUM
fsr-3530	173	33	#	#	NOUN
fsr-3530	173	34	0	0	NUM
fsr-3530	173	35	.0	.0	NUM
fsr-3530	173	36	1	1	NUM
fsr-3530	173	37	7	7	NUM
fsr-3530	173	38	3	3	NUM
fsr-3530	173	39	0	0	NUM
fsr-3530	173	40	.3	.3	NUM
fsr-3530	173	41	0	0	NUM
fsr-3530	173	42	2	2	NUM
fsr-3530	173	43	6	6	NUM
fsr-3530	173	44	p	p	NOUN
fsr-3530	173	45	ar	ar	NOUN
fsr-3530	173	46	tti	tti	PROPN
fsr-3530	173	47	m	m	PROPN
fsr-3530	173	48	e	e	PROPN
fsr-3530	173	49	w	w	NOUN
fsr-3530	173	50	o	o	X
fsr-3530	173	51	rk	rk	NOUN
fsr-3530	173	52	er	er	INTJ
fsr-3530	173	53	0	0	NUM
fsr-3530	173	54	.3	.3	NUM
fsr-3530	173	55	1	1	NUM
fsr-3530	173	56	1	1	NUM
fsr-3530	173	57	1	1	NUM
fsr-3530	173	58	0	0	NUM
fsr-3530	173	59	.3	.3	NUM
fsr-3530	173	60	4	4	NUM
fsr-3530	173	61	0	0	NUM
fsr-3530	173	62	1	1	NUM
fsr-3530	173	63	0	0	NUM
fsr-3530	173	64	.0	.0	NUM
fsr-3530	173	65	9	9	NUM
fsr-3530	173	66	9	9	NUM
fsr-3530	173	67	3	3	NUM
fsr-3530	173	68	0	0	NUM
fsr-3530	173	69	.3	.3	NUM
fsr-3530	173	70	3	3	NUM
fsr-3530	173	71	1	1	NUM
fsr-3530	173	72	0	0	NUM
fsr-3530	173	73	0	0	NUM
fsr-3530	173	74	.0	.0	NUM
fsr-3530	173	75	9	9	NUM
fsr-3530	173	76	3	3	NUM
fsr-3530	173	77	4	4	NUM
fsr-3530	173	78	0	0	NUM
fsr-3530	173	79	.3	.3	NUM
fsr-3530	173	80	2	2	NUM
fsr-3530	173	81	8	8	NUM
fsr-3530	173	82	3	3	NUM
fsr-3530	173	83	0	0	NUM
fsr-3530	173	84	.3	.3	NUM
fsr-3530	173	85	0	0	NUM
fsr-3530	173	86	2	2	NUM
fsr-3530	173	87	9	9	NUM
fsr-3530	173	88	0	0	NUM
fsr-3530	173	89	.3	.3	NUM
fsr-3530	173	90	4	4	NUM
fsr-3530	173	91	0	0	NUM
fsr-3530	173	92	4	4	NUM
fsr-3530	173	93	h	h	NOUN
fsr-3530	174	1	o	o	NOUN
fsr-3530	174	2	m	m	VERB
fsr-3530	174	3	em	em	PRON
fsr-3530	174	4	ak	ak	PROPN
fsr-3530	174	5	er	er	INTJ
fsr-3530	174	6	#	#	NOUN
fsr-3530	174	7	1	1	NUM
fsr-3530	174	8	.4	.4	NUM
fsr-3530	174	9	0	0	NUM
fsr-3530	174	10	1	1	NUM
fsr-3530	174	11	7	7	NUM
fsr-3530	174	12	*	*	SYM
fsr-3530	174	13	0	0	NUM
fsr-3530	175	1	.6	.6	NUM
fsr-3530	175	2	2	2	NUM
fsr-3530	175	3	3	3	NUM
fsr-3530	175	4	4	4	NUM
fsr-3530	175	5	#	#	NOUN
fsr-3530	175	6	1	1	NUM
fsr-3530	175	7	.4	.4	NUM
fsr-3530	175	8	6	6	NUM
fsr-3530	175	9	1	1	NUM
fsr-3530	175	10	7	7	NUM
fsr-3530	175	11	*	*	SYM
fsr-3530	175	12	0	0	NUM
fsr-3530	176	1	.5	.5	NUM
fsr-3530	176	2	9	9	NUM
fsr-3530	176	3	9	9	NUM
fsr-3530	176	4	1	1	NUM
fsr-3530	176	5	#	#	NOUN
fsr-3530	176	6	1	1	NUM
fsr-3530	176	7	.5	.5	NUM
fsr-3530	176	8	8	8	NUM
fsr-3530	176	9	9	9	NUM
fsr-3530	176	10	8	8	NUM
fsr-3530	176	11	*	*	PUNCT
fsr-3530	176	12	*	*	PUNCT
fsr-3530	176	13	0	0	NUM
fsr-3530	177	1	.5	.5	NUM
fsr-3530	177	2	9	9	NUM
fsr-3530	177	3	5	5	NUM
fsr-3530	177	4	7	7	NUM
fsr-3530	177	5	#	#	NOUN
fsr-3530	177	6	1	1	NUM
fsr-3530	177	7	.4	.4	NUM
fsr-3530	177	8	0	0	NUM
fsr-3530	177	9	3	3	NUM
fsr-3530	177	10	5	5	NUM
fsr-3530	177	11	*	*	SYM
fsr-3530	177	12	0	0	NUM
fsr-3530	178	1	.6	.6	NUM
fsr-3530	178	2	2	2	NUM
fsr-3530	178	3	4	4	NUM
fsr-3530	178	4	8	8	NUM
fsr-3530	178	5	s	s	PART
fsr-3530	178	6	tu	tu	PROPN
fsr-3530	178	7	d	d	PROPN
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fsr-3530	178	9	t	t	PROPN
fsr-3530	178	10	#	#	NOUN
fsr-3530	178	11	0	0	NUM
fsr-3530	178	12	.8	.8	NUM
fsr-3530	178	13	5	5	NUM
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fsr-3530	178	15	1	1	NUM
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fsr-3530	178	17	.4	.4	NUM
fsr-3530	178	18	5	5	NUM
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fsr-3530	178	21	#	#	NOUN
fsr-3530	178	22	0	0	NUM
fsr-3530	178	23	.9	.9	NUM
fsr-3530	178	24	1	1	NUM
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fsr-3530	178	27	*	*	SYM
fsr-3530	178	28	0	0	NUM
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fsr-3530	179	11	*	*	SYM
fsr-3530	179	12	0	0	NUM
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fsr-3530	180	2	4	4	NUM
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fsr-3530	180	4	0	0	NUM
fsr-3530	180	5	#	#	NOUN
fsr-3530	180	6	0	0	NUM
fsr-3530	180	7	.8	.8	NUM
fsr-3530	180	8	5	5	NUM
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fsr-3530	180	10	5	5	NUM
fsr-3530	180	11	0	0	NUM
fsr-3530	180	12	.4	.4	NUM
fsr-3530	180	13	5	5	NUM
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fsr-3530	180	15	6	6	NUM
fsr-3530	180	16	d	d	NOUN
fsr-3530	180	17	is	be	AUX
fsr-3530	180	18	ab	ab	PROPN
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fsr-3530	181	1	d	d	PROPN
fsr-3530	181	2	0	0	NUM
fsr-3530	181	3	.5	.5	NUM
fsr-3530	181	4	0	0	NUM
fsr-3530	181	5	4	4	NUM
fsr-3530	181	6	8	8	NUM
fsr-3530	181	7	0	0	NUM
fsr-3530	181	8	.8	.8	NUM
fsr-3530	181	9	0	0	NUM
fsr-3530	181	10	7	7	NUM
fsr-3530	181	11	0	0	NUM
fsr-3530	181	12	0	0	NUM
fsr-3530	181	13	.1	.1	NUM
fsr-3530	181	14	8	8	NUM
fsr-3530	181	15	7	7	NUM
fsr-3530	181	16	5	5	NUM
fsr-3530	181	17	0	0	NUM
fsr-3530	181	18	.7	.7	NUM
fsr-3530	181	19	8	8	NUM
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fsr-3530	181	22	#	#	NOUN
fsr-3530	181	23	0	0	NUM
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fsr-3530	181	25	0	0	NUM
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fsr-3530	181	30	0	0	NUM
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fsr-3530	181	50	#	#	NOUN
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fsr-3530	181	89	0	0	NUM
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fsr-3530	182	10	0	0	NUM
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fsr-3530	182	17	5	5	NUM
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fsr-3530	182	20	#	#	NOUN
fsr-3530	182	21	0	0	NUM
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fsr-3530	183	3	2	2	NUM
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fsr-3530	183	10	#	#	NOUN
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fsr-3530	183	17	.4	.4	NUM
fsr-3530	183	18	5	5	NUM
fsr-3530	183	19	4	4	NUM
fsr-3530	183	20	3	3	NUM
fsr-3530	183	21	in	in	ADP
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fsr-3530	183	24	e	e	NOUN
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fsr-3530	183	26	r	r	NOUN
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fsr-3530	183	40	)	)	PUNCT
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fsr-3530	183	44	,	,	PUNCT
fsr-3530	183	45	0	0	NUM
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fsr-3530	183	47	0	0	NUM
fsr-3530	183	48	–	–	PUNCT
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fsr-3530	183	56	#	#	NOUN
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fsr-3530	183	59	8	8	NUM
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fsr-3530	183	62	0	0	NUM
fsr-3530	183	63	.3	.3	NUM
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fsr-3530	183	66	6	6	NUM
fsr-3530	183	67	#	#	NOUN
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fsr-3530	183	70	6	6	NUM
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fsr-3530	183	75	6	6	NUM
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fsr-3530	183	78	#	#	NOUN
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fsr-3530	183	84	*	*	SYM
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fsr-3530	183	90	#	#	NOUN
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fsr-3530	183	97	.3	.3	NUM
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fsr-3530	183	104	,	,	PUNCT
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fsr-3530	183	108	–	–	PUNCT
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fsr-3530	183	127	#	#	NOUN
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fsr-3530	185	1	.2	.2	NUM
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fsr-3530	185	5	#	#	NOUN
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fsr-3530	186	4	4	4	NUM
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fsr-3530	187	1	.2	.2	NUM
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fsr-3530	187	5	#	#	NOUN
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fsr-3530	188	3	3	3	NUM
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fsr-3530	188	7	5	5	NUM
fsr-3530	188	8	,	,	PUNCT
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fsr-3530	188	12	–	–	PUNCT
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fsr-3530	188	31	#	#	NOUN
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fsr-3530	188	42	#	#	NOUN
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fsr-3530	189	5	*	*	SYM
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fsr-3530	190	17	c	c	NOUN
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fsr-3530	190	21	n	n	CCONJ
fsr-3530	190	22	u	u	NOUN
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fsr-3530	190	24	o	o	PROPN
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fsr-3530	190	28	t	t	NOUN
fsr-3530	190	29	p	p	X
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fsr-3530	191	12	2023	2023	NUM
fsr-3530	191	13	)	)	PUNCT
fsr-3530	191	14	121–132	121–132	NUM
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fsr-3530	191	16	t	t	X
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fsr-3530	191	34	(	(	PUNCT
fsr-3530	191	35	a	a	PRON
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fsr-3530	191	47	b	b	PROPN
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fsr-3530	194	15	d	d	NOUN
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fsr-3530	194	23	d	d	X
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fsr-3530	195	9	r	r	NOUN
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fsr-3530	203	5	#	#	NOUN
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fsr-3530	205	5	#	#	NOUN
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fsr-3530	207	6	v	v	NUM
fsr-3530	207	7	es	es	ADP
fsr-3530	207	8	tm	tm	PROPN
fsr-3530	207	9	en	en	PROPN
fsr-3530	207	10	t	t	PROPN
fsr-3530	207	11	as	as	ADP
fsr-3530	207	12	se	se	PROPN
fsr-3530	207	13	ts	ts	X
fsr-3530	207	14	(	(	PUNCT
fsr-3530	207	15	r	r	NOUN
fsr-3530	207	16	ef	ef	PROPN
fsr-3530	207	17	:	:	PUNCT
fsr-3530	207	18	le	le	X
fsr-3530	207	19	ss	ss	NOUN
fsr-3530	207	20	th	th	X
fsr-3530	207	21	an	an	DET
fsr-3530	207	22	$	$	SYM
fsr-3530	207	23	5	5	NUM
fsr-3530	207	24	,	,	PUNCT
fsr-3530	207	25	0	0	NUM
fsr-3530	207	26	0	0	NUM
fsr-3530	207	27	0	0	NUM
fsr-3530	207	28	)	)	PUNCT
fsr-3530	207	29	$	$	SYM
fsr-3530	207	30	5	5	NUM
fsr-3530	207	31	,	,	PUNCT
fsr-3530	207	32	0	0	NUM
fsr-3530	207	33	0	0	NUM
fsr-3530	207	34	0	0	NUM
fsr-3530	207	35	–	–	PUNCT
fsr-3530	207	36	$	$	SYM
fsr-3530	207	37	2	2	NUM
fsr-3530	207	38	4	4	NUM
fsr-3530	207	39	,	,	PUNCT
fsr-3530	207	40	9	9	NUM
fsr-3530	207	41	9	9	NUM
fsr-3530	207	42	9	9	NUM
fsr-3530	207	43	#	#	NOUN
fsr-3530	207	44	0	0	NUM
fsr-3530	208	1	.7	.7	NUM
fsr-3530	208	2	1	1	NUM
fsr-3530	208	3	7	7	NUM
fsr-3530	208	4	8	8	NUM
fsr-3530	208	5	*	*	SYM
fsr-3530	208	6	0	0	NUM
fsr-3530	209	1	.3	.3	NUM
fsr-3530	209	2	1	1	NUM
fsr-3530	209	3	5	5	NUM
fsr-3530	209	4	4	4	NUM
fsr-3530	209	5	#	#	NOUN
fsr-3530	209	6	0	0	NUM
fsr-3530	209	7	.7	.7	NUM
fsr-3530	209	8	8	8	NUM
fsr-3530	209	9	0	0	NUM
fsr-3530	209	10	5	5	NUM
fsr-3530	209	11	*	*	SYM
fsr-3530	209	12	0	0	NUM
fsr-3530	209	13	.3	.3	NUM
fsr-3530	209	14	0	0	NUM
fsr-3530	209	15	6	6	NUM
fsr-3530	209	16	9	9	NUM
fsr-3530	209	17	#	#	NOUN
fsr-3530	209	18	0	0	NUM
fsr-3530	209	19	.6	.6	NUM
fsr-3530	209	20	9	9	NUM
fsr-3530	209	21	2	2	NUM
fsr-3530	209	22	9	9	NUM
fsr-3530	209	23	*	*	SYM
fsr-3530	209	24	0	0	NUM
fsr-3530	209	25	.3	.3	NUM
fsr-3530	209	26	0	0	NUM
fsr-3530	209	27	5	5	NUM
fsr-3530	209	28	4	4	NUM
fsr-3530	209	29	#	#	NOUN
fsr-3530	209	30	0	0	NUM
fsr-3530	209	31	.7	.7	NUM
fsr-3530	209	32	1	1	NUM
fsr-3530	209	33	4	4	NUM
fsr-3530	209	34	2	2	NUM
fsr-3530	209	35	*	*	SYM
fsr-3530	209	36	0	0	NUM
fsr-3530	209	37	.3	.3	NUM
fsr-3530	209	38	1	1	NUM
fsr-3530	209	39	5	5	NUM
fsr-3530	209	40	5	5	NUM
fsr-3530	209	41	$	$	SYM
fsr-3530	209	42	2	2	NUM
fsr-3530	209	43	5	5	NUM
fsr-3530	209	44	,	,	PUNCT
fsr-3530	209	45	0	0	NUM
fsr-3530	209	46	0	0	NUM
fsr-3530	209	47	0	0	NUM
fsr-3530	209	48	–	–	PUNCT
fsr-3530	209	49	$	$	SYM
fsr-3530	209	50	4	4	NUM
fsr-3530	209	51	9	9	NUM
fsr-3530	209	52	,	,	PUNCT
fsr-3530	209	53	9	9	NUM
fsr-3530	209	54	9	9	NUM
fsr-3530	209	55	9	9	NUM
fsr-3530	209	56	#	#	NOUN
fsr-3530	209	57	0	0	NUM
fsr-3530	209	58	.1	.1	NUM
fsr-3530	209	59	9	9	NUM
fsr-3530	209	60	1	1	NUM
fsr-3530	209	61	8	8	NUM
fsr-3530	209	62	0	0	NUM
fsr-3530	209	63	.3	.3	NUM
fsr-3530	209	64	4	4	NUM
fsr-3530	209	65	1	1	NUM
fsr-3530	209	66	7	7	NUM
fsr-3530	209	67	#	#	NOUN
fsr-3530	209	68	0	0	NUM
fsr-3530	209	69	.1	.1	NUM
fsr-3530	210	1	9	9	NUM
fsr-3530	210	2	0	0	NUM
fsr-3530	210	3	7	7	NUM
fsr-3530	210	4	0	0	NUM
fsr-3530	210	5	.3	.3	NUM
fsr-3530	210	6	3	3	NUM
fsr-3530	210	7	7	7	NUM
fsr-3530	210	8	1	1	NUM
fsr-3530	210	9	#	#	NOUN
fsr-3530	210	10	0	0	NUM
fsr-3530	210	11	.0	.0	NUM
fsr-3530	210	12	9	9	NUM
fsr-3530	210	13	3	3	NUM
fsr-3530	210	14	0	0	NUM
fsr-3530	210	15	0	0	NUM
fsr-3530	210	16	.3	.3	NUM
fsr-3530	210	17	2	2	NUM
fsr-3530	210	18	9	9	NUM
fsr-3530	210	19	7	7	NUM
fsr-3530	210	20	#	#	NOUN
fsr-3530	210	21	0	0	NUM
fsr-3530	210	22	.1	.1	NUM
fsr-3530	210	23	9	9	NUM
fsr-3530	210	24	5	5	NUM
fsr-3530	210	25	4	4	NUM
fsr-3530	210	26	0	0	NUM
fsr-3530	210	27	.3	.3	NUM
fsr-3530	210	28	4	4	NUM
fsr-3530	210	29	2	2	NUM
fsr-3530	210	30	5	5	NUM
fsr-3530	210	31	$	$	SYM
fsr-3530	210	32	5	5	NUM
fsr-3530	210	33	0	0	NUM
fsr-3530	210	34	,	,	PUNCT
fsr-3530	210	35	0	0	NUM
fsr-3530	210	36	0	0	NUM
fsr-3530	210	37	0	0	NUM
fsr-3530	210	38	–	–	PUNCT
fsr-3530	210	39	$	$	SYM
fsr-3530	210	40	9	9	NUM
fsr-3530	210	41	9	9	NUM
fsr-3530	210	42	,	,	PUNCT
fsr-3530	210	43	9	9	NUM
fsr-3530	210	44	9	9	NUM
fsr-3530	210	45	9	9	NUM
fsr-3530	210	46	#	#	NOUN
fsr-3530	210	47	0	0	NUM
fsr-3530	210	48	.5	.5	NUM
fsr-3530	210	49	0	0	NUM
fsr-3530	210	50	0	0	NUM
fsr-3530	210	51	3	3	NUM
fsr-3530	210	52	0	0	NUM
fsr-3530	210	53	.3	.3	NUM
fsr-3530	210	54	2	2	NUM
fsr-3530	210	55	5	5	NUM
fsr-3530	210	56	1	1	NUM
fsr-3530	210	57	#	#	NOUN
fsr-3530	210	58	0	0	NUM
fsr-3530	210	59	.3	.3	NUM
fsr-3530	210	60	1	1	NUM
fsr-3530	210	61	3	3	NUM
fsr-3530	210	62	5	5	NUM
fsr-3530	210	63	0	0	NUM
fsr-3530	210	64	.3	.3	NUM
fsr-3530	210	65	1	1	NUM
fsr-3530	210	66	6	6	NUM
fsr-3530	210	67	1	1	NUM
fsr-3530	210	68	#	#	NOUN
fsr-3530	210	69	0	0	NUM
fsr-3530	211	1	.2	.2	NUM
fsr-3530	211	2	1	1	NUM
fsr-3530	211	3	0	0	NUM
fsr-3530	211	4	6	6	NUM
fsr-3530	211	5	0	0	NUM
fsr-3530	211	6	.3	.3	NUM
fsr-3530	211	7	1	1	NUM
fsr-3530	211	8	2	2	NUM
fsr-3530	211	9	7	7	NUM
fsr-3530	211	10	#	#	NOUN
fsr-3530	211	11	0	0	NUM
fsr-3530	211	12	.5	.5	NUM
fsr-3530	211	13	0	0	NUM
fsr-3530	211	14	6	6	NUM
fsr-3530	211	15	9	9	NUM
fsr-3530	211	16	0	0	NUM
fsr-3530	211	17	.3	.3	NUM
fsr-3530	211	18	2	2	NUM
fsr-3530	211	19	5	5	NUM
fsr-3530	211	20	0	0	NUM
fsr-3530	211	21	$	$	SYM
fsr-3530	211	22	1	1	NUM
fsr-3530	211	23	0	0	NUM
fsr-3530	211	24	0	0	NUM
fsr-3530	211	25	,	,	PUNCT
fsr-3530	211	26	0	0	NUM
fsr-3530	211	27	0	0	NUM
fsr-3530	211	28	0	0	NUM
fsr-3530	211	29	–	–	PUNCT
fsr-3530	211	30	$	$	SYM
fsr-3530	211	31	2	2	NUM
fsr-3530	211	32	4	4	NUM
fsr-3530	211	33	9	9	NUM
fsr-3530	211	34	,	,	PUNCT
fsr-3530	211	35	9	9	NUM
fsr-3530	211	36	9	9	NUM
fsr-3530	211	37	9	9	NUM
fsr-3530	211	38	#	#	NOUN
fsr-3530	211	39	0	0	NUM
fsr-3530	211	40	.5	.5	NUM
fsr-3530	211	41	7	7	NUM
fsr-3530	211	42	5	5	NUM
fsr-3530	211	43	1	1	NUM
fsr-3530	211	44	0	0	NUM
fsr-3530	211	45	.3	.3	NUM
fsr-3530	211	46	6	6	NUM
fsr-3530	211	47	3	3	NUM
fsr-3530	211	48	0	0	NUM
fsr-3530	211	49	#	#	NOUN
fsr-3530	211	50	0	0	NUM
fsr-3530	211	51	.2	.2	NUM
fsr-3530	211	52	8	8	NUM
fsr-3530	211	53	9	9	NUM
fsr-3530	211	54	7	7	NUM
fsr-3530	211	55	0	0	NUM
fsr-3530	211	56	.3	.3	NUM
fsr-3530	211	57	5	5	NUM
fsr-3530	211	58	3	3	NUM
fsr-3530	211	59	6	6	NUM
fsr-3530	211	60	#	#	NOUN
fsr-3530	211	61	0	0	NUM
fsr-3530	212	1	.2	.2	NUM
fsr-3530	212	2	6	6	NUM
fsr-3530	212	3	9	9	NUM
fsr-3530	212	4	8	8	NUM
fsr-3530	212	5	0	0	NUM
fsr-3530	212	6	.3	.3	NUM
fsr-3530	212	7	5	5	NUM
fsr-3530	212	8	3	3	NUM
fsr-3530	212	9	6	6	NUM
fsr-3530	212	10	#	#	NOUN
fsr-3530	212	11	0	0	NUM
fsr-3530	212	12	.5	.5	NUM
fsr-3530	212	13	8	8	NUM
fsr-3530	212	14	3	3	NUM
fsr-3530	212	15	5	5	NUM
fsr-3530	212	16	0	0	NUM
fsr-3530	212	17	.3	.3	NUM
fsr-3530	212	18	6	6	NUM
fsr-3530	212	19	2	2	NUM
fsr-3530	212	20	4	4	NUM
fsr-3530	212	21	$	$	SYM
fsr-3530	212	22	2	2	NUM
fsr-3530	212	23	5	5	NUM
fsr-3530	212	24	0	0	NUM
fsr-3530	212	25	,	,	PUNCT
fsr-3530	212	26	0	0	NUM
fsr-3530	212	27	0	0	NUM
fsr-3530	212	28	0	0	NUM
fsr-3530	212	29	–	–	PUNCT
fsr-3530	212	30	$	$	SYM
fsr-3530	212	31	4	4	NUM
fsr-3530	212	32	9	9	NUM
fsr-3530	212	33	9	9	NUM
fsr-3530	212	34	,	,	PUNCT
fsr-3530	212	35	9	9	NUM
fsr-3530	212	36	9	9	NUM
fsr-3530	212	37	9	9	NUM
fsr-3530	212	38	0	0	NUM
fsr-3530	212	39	.0	.0	NUM
fsr-3530	212	40	9	9	NUM
fsr-3530	212	41	6	6	NUM
fsr-3530	212	42	7	7	NUM
fsr-3530	212	43	0	0	NUM
fsr-3530	212	44	.3	.3	NUM
fsr-3530	212	45	7	7	NUM
fsr-3530	212	46	6	6	NUM
fsr-3530	212	47	9	9	NUM
fsr-3530	212	48	0	0	NUM
fsr-3530	212	49	.3	.3	NUM
fsr-3530	212	50	0	0	NUM
fsr-3530	212	51	8	8	NUM
fsr-3530	212	52	4	4	NUM
fsr-3530	212	53	0	0	NUM
fsr-3530	212	54	.3	.3	NUM
fsr-3530	212	55	6	6	NUM
fsr-3530	212	56	7	7	NUM
fsr-3530	212	57	7	7	NUM
fsr-3530	212	58	0	0	NUM
fsr-3530	212	59	.3	.3	NUM
fsr-3530	212	60	8	8	NUM
fsr-3530	212	61	2	2	NUM
fsr-3530	212	62	5	5	NUM
fsr-3530	212	63	0	0	NUM
fsr-3530	212	64	.3	.3	NUM
fsr-3530	212	65	6	6	NUM
fsr-3530	212	66	8	8	NUM
fsr-3530	212	67	3	3	NUM
fsr-3530	212	68	0	0	NUM
fsr-3530	212	69	.0	.0	NUM
fsr-3530	212	70	9	9	NUM
fsr-3530	212	71	4	4	NUM
fsr-3530	212	72	6	6	NUM
fsr-3530	212	73	0	0	NUM
fsr-3530	212	74	.3	.3	NUM
fsr-3530	212	75	7	7	NUM
fsr-3530	212	76	6	6	NUM
fsr-3530	212	77	0	0	NUM
fsr-3530	212	78	$	$	SYM
fsr-3530	212	79	5	5	NUM
fsr-3530	212	80	0	0	NUM
fsr-3530	212	81	0	0	NUM
fsr-3530	212	82	,	,	PUNCT
fsr-3530	212	83	0	0	NUM
fsr-3530	212	84	0	0	NUM
fsr-3530	212	85	0	0	NUM
fsr-3530	212	86	–	–	PUNCT
fsr-3530	212	87	$	$	SYM
fsr-3530	212	88	9	9	NUM
fsr-3530	212	89	9	9	NUM
fsr-3530	212	90	9	9	NUM
fsr-3530	212	91	,	,	PUNCT
fsr-3530	212	92	9	9	NUM
fsr-3530	212	93	9	9	NUM
fsr-3530	212	94	9	9	NUM
fsr-3530	212	95	#	#	NOUN
fsr-3530	212	96	1	1	NUM
fsr-3530	212	97	.3	.3	NUM
fsr-3530	212	98	4	4	NUM
fsr-3530	212	99	5	5	NUM
fsr-3530	212	100	3	3	NUM
fsr-3530	212	101	*	*	SYM
fsr-3530	212	102	0	0	NUM
fsr-3530	213	1	.6	.6	NUM
fsr-3530	213	2	4	4	NUM
fsr-3530	213	3	9	9	NUM
fsr-3530	213	4	7	7	NUM
fsr-3530	213	5	#	#	NOUN
fsr-3530	213	6	1	1	NUM
fsr-3530	213	7	.0	.0	NUM
fsr-3530	213	8	0	0	NUM
fsr-3530	213	9	1	1	NUM
fsr-3530	213	10	9	9	NUM
fsr-3530	213	11	0	0	NUM
fsr-3530	213	12	.6	.6	NUM
fsr-3530	213	13	3	3	NUM
fsr-3530	213	14	2	2	NUM
fsr-3530	213	15	2	2	NUM
fsr-3530	213	16	#	#	NOUN
fsr-3530	213	17	0	0	NUM
fsr-3530	213	18	.9	.9	NUM
fsr-3530	213	19	7	7	NUM
fsr-3530	213	20	9	9	NUM
fsr-3530	213	21	0	0	NUM
fsr-3530	213	22	0	0	NUM
fsr-3530	214	1	.6	.6	NUM
fsr-3530	214	2	3	3	NUM
fsr-3530	214	3	5	5	NUM
fsr-3530	214	4	5	5	NUM
fsr-3530	214	5	#	#	NOUN
fsr-3530	214	6	1	1	NUM
fsr-3530	214	7	.3	.3	NUM
fsr-3530	214	8	8	8	NUM
fsr-3530	214	9	0	0	NUM
fsr-3530	214	10	9	9	NUM
fsr-3530	214	11	*	*	SYM
fsr-3530	214	12	0	0	NUM
fsr-3530	215	1	.6	.6	NUM
fsr-3530	215	2	4	4	NUM
fsr-3530	215	3	8	8	NUM
fsr-3530	215	4	8	8	NUM
fsr-3530	215	5	$	$	SYM
fsr-3530	215	6	1	1	NUM
fsr-3530	215	7	,	,	PUNCT
fsr-3530	215	8	0	0	NUM
fsr-3530	215	9	0	0	NUM
fsr-3530	215	10	0	0	NUM
fsr-3530	215	11	,	,	PUNCT
fsr-3530	215	12	0	0	NUM
fsr-3530	215	13	0	0	NUM
fsr-3530	215	14	0	0	NUM
fsr-3530	216	1	o	o	NOUN
fsr-3530	217	1	r	r	NOUN
fsr-3530	217	2	m	m	VERB
fsr-3530	217	3	o	o	NOUN
fsr-3530	217	4	re	re	NOUN
fsr-3530	217	5	#	#	NOUN
fsr-3530	217	6	0	0	NUM
fsr-3530	217	7	.0	.0	NUM
fsr-3530	217	8	8	8	NUM
fsr-3530	217	9	2	2	NUM
fsr-3530	217	10	2	2	NUM
fsr-3530	217	11	0	0	NUM
fsr-3530	217	12	.4	.4	NUM
fsr-3530	217	13	9	9	NUM
fsr-3530	217	14	4	4	NUM
fsr-3530	217	15	1	1	NUM
fsr-3530	217	16	0	0	NUM
fsr-3530	217	17	.4	.4	NUM
fsr-3530	217	18	3	3	NUM
fsr-3530	217	19	6	6	NUM
fsr-3530	217	20	9	9	NUM
fsr-3530	217	21	0	0	NUM
fsr-3530	217	22	.4	.4	NUM
fsr-3530	217	23	6	6	NUM
fsr-3530	217	24	5	5	NUM
fsr-3530	217	25	8	8	NUM
fsr-3530	217	26	0	0	NUM
fsr-3530	217	27	.5	.5	NUM
fsr-3530	217	28	1	1	NUM
fsr-3530	217	29	0	0	NUM
fsr-3530	217	30	9	9	NUM
fsr-3530	217	31	0	0	NUM
fsr-3530	217	32	.4	.4	NUM
fsr-3530	217	33	6	6	NUM
fsr-3530	217	34	9	9	NUM
fsr-3530	217	35	8	8	NUM
fsr-3530	217	36	#	#	NOUN
fsr-3530	217	37	0	0	NUM
fsr-3530	217	38	.1	.1	NUM
fsr-3530	217	39	3	3	NUM
fsr-3530	217	40	4	4	NUM
fsr-3530	217	41	9	9	NUM
fsr-3530	217	42	0	0	NUM
fsr-3530	217	43	.4	.4	NUM
fsr-3530	217	44	8	8	NUM
fsr-3530	217	45	7	7	NUM
fsr-3530	217	46	7	7	NUM
fsr-3530	217	47	c	c	NOUN
fsr-3530	217	48	o	o	PROPN
fsr-3530	217	49	n	n	PRON
fsr-3530	217	50	st	st	PROPN
fsr-3530	217	51	an	an	DET
fsr-3530	217	52	t	t	NOUN
fsr-3530	217	53	#	#	NOUN
fsr-3530	217	54	1	1	NUM
fsr-3530	217	55	.7	.7	NUM
fsr-3530	217	56	6	6	NUM
fsr-3530	217	57	5	5	NUM
fsr-3530	217	58	2	2	NUM
fsr-3530	217	59	*	*	SYM
fsr-3530	217	60	0	0	NUM
fsr-3530	218	1	.8	.8	NUM
fsr-3530	218	2	0	0	SYM
fsr-3530	218	3	0	0	NUM
fsr-3530	218	4	8	8	NUM
fsr-3530	218	5	0	0	NUM
fsr-3530	218	6	.3	.3	NUM
fsr-3530	218	7	1	1	NUM
fsr-3530	218	8	7	7	NUM
fsr-3530	218	9	0	0	NUM
fsr-3530	218	10	.6	.6	NUM
fsr-3530	218	11	7	7	NUM
fsr-3530	218	12	0	0	NUM
fsr-3530	218	13	5	5	NUM
fsr-3530	218	14	0	0	NUM
fsr-3530	218	15	.4	.4	NUM
fsr-3530	218	16	3	3	NUM
fsr-3530	218	17	1	1	NUM
fsr-3530	218	18	7	7	NUM
fsr-3530	218	19	0	0	NUM
fsr-3530	218	20	.6	.6	NUM
fsr-3530	218	21	6	6	NUM
fsr-3530	218	22	7	7	NUM
fsr-3530	218	23	2	2	NUM
fsr-3530	218	24	0	0	NUM
fsr-3530	218	25	.5	.5	NUM
fsr-3530	218	26	8	8	NUM
fsr-3530	218	27	2	2	NUM
fsr-3530	218	28	1	1	NUM
fsr-3530	218	29	0	0	NUM
fsr-3530	218	30	.6	.6	NUM
fsr-3530	218	31	8	8	NUM
fsr-3530	218	32	1	1	NUM
fsr-3530	218	33	6	6	NUM
fsr-3530	218	34	r	r	NOUN
fsr-3530	218	35	eg	eg	NOUN
fsr-3530	218	36	io	io	PROPN
fsr-3530	218	37	n	n	PROPN
fsr-3530	218	38	al	al	PROPN
fsr-3530	218	39	fi	fi	PROPN
fsr-3530	218	40	x	x	INTJ
fsr-3530	218	41	ed	ed	NOUN
fsr-3530	218	42	ef	ef	PROPN
fsr-3530	218	43	fe	fe	X
fsr-3530	219	1	ct	ct	X
fsr-3530	219	2	(	(	PUNCT
fsr-3530	219	3	s	s	X
fsr-3530	219	4	ta	ta	X
fsr-3530	219	5	te	te	ADP
fsr-3530	219	6	o	o	X
fsr-3530	219	7	f	f	X
fsr-3530	219	8	re	re	X
fsr-3530	219	9	si	si	PROPN
fsr-3530	219	10	d	d	PROPN
fsr-3530	219	11	en	en	PROPN
fsr-3530	219	12	ce	ce	PROPN
fsr-3530	219	13	)	)	PUNCT
fsr-3530	220	1	y	y	PROPN
fsr-3530	220	2	es	es	VERB
fsr-3530	220	3	y	y	PROPN
fsr-3530	220	4	es	es	VERB
fsr-3530	220	5	y	y	PROPN
fsr-3530	220	6	es	es	X
fsr-3530	220	7	y	y	PROPN
fsr-3530	220	8	es	es	NOUN
fsr-3530	220	9	m	m	PROPN
fsr-3530	220	10	o	o	PROPN
fsr-3530	220	11	d	d	X
fsr-3530	220	12	el	el	PROPN
fsr-3530	220	13	fi	fi	PROPN
fsr-3530	221	1	t	t	PROPN
fsr-3530	221	2	c	c	NOUN
fsr-3530	221	3	o	o	NOUN
fsr-3530	221	4	n	n	X
fsr-3530	221	5	co	co	PROPN
fsr-3530	221	6	rd	rd	PROPN
fsr-3530	222	1	an	an	PROPN
fsr-3530	222	2	ce	ce	PROPN
fsr-3530	222	3	ra	ra	PROPN
fsr-3530	222	4	te	te	PROPN
fsr-3530	222	5	8	8	NUM
fsr-3530	222	6	9	9	NUM
fsr-3530	222	7	.0	.0	NUM
fsr-3530	222	8	%	%	NOUN
fsr-3530	222	9	8	8	NUM
fsr-3530	222	10	7	7	NUM
fsr-3530	222	11	.5	.5	NUM
fsr-3530	222	12	%	%	NOUN
fsr-3530	223	1	8	8	NUM
fsr-3530	223	2	7	7	NUM
fsr-3530	223	3	.7	.7	NUM
fsr-3530	223	4	%	%	NOUN
fsr-3530	223	5	8	8	NUM
fsr-3530	223	6	9	9	NUM
fsr-3530	223	7	.0	.0	NUM
fsr-3530	223	8	%	%	NOUN
fsr-3530	223	9	n	n	CCONJ
fsr-3530	223	10	o	o	X
fsr-3530	223	11	te	te	ADP
fsr-3530	223	12	s.	s.	PROPN
fsr-3530	223	13	w	w	PROPN
fsr-3530	224	1	ei	ei	PROPN
fsr-3530	224	2	g	g	PROPN
fsr-3530	224	3	h	h	NOUN
fsr-3530	224	4	te	te	PROPN
fsr-3530	224	5	d	d	X
fsr-3530	224	6	re	re	X
fsr-3530	224	7	su	su	PROPN
fsr-3530	224	8	lt	lt	PROPN
fsr-3530	224	9	s.	s.	PROPN
fsr-3530	225	1	a	a	DET
fsr-3530	225	2	d	d	PROPN
fsr-3530	225	3	is	be	AUX
fsr-3530	225	4	cr	cr	PROPN
fsr-3530	225	5	ep	ep	PROPN
fsr-3530	225	6	an	an	DET
fsr-3530	225	7	cy	cy	PROPN
fsr-3530	225	8	b	b	PROPN
fsr-3530	225	9	et	et	PROPN
fsr-3530	225	10	w	w	PROPN
fsr-3530	225	11	ee	ee	PROPN
fsr-3530	225	12	n	n	PROPN
fsr-3530	225	13	su	su	PROPN
fsr-3530	225	14	b	b	PROPN
fsr-3530	225	15	je	je	PROPN
fsr-3530	225	16	ct	ct	NUM
fsr-3530	225	17	iv	iv	NUM
fsr-3530	225	18	e	e	X
fsr-3530	225	19	an	an	PROPN
fsr-3530	225	20	d	d	X
fsr-3530	225	21	o	o	X
fsr-3530	225	22	b	b	X
fsr-3530	225	23	je	je	X
fsr-3530	225	24	ct	ct	NUM
fsr-3530	225	25	iv	iv	NUM
fsr-3530	225	26	e	e	PROPN
fsr-3530	225	27	fi	fi	NOUN
fsr-3530	225	28	n	n	CCONJ
fsr-3530	225	29	an	an	DET
fsr-3530	225	30	ci	ci	PROPN
fsr-3530	225	31	al	al	PROPN
fsr-3530	225	32	li	li	PROPN
fsr-3530	226	1	te	te	PROPN
fsr-3530	226	2	ra	ra	PROPN
fsr-3530	226	3	cy	cy	INTJ
fsr-3530	226	4	.	.	PUNCT
fsr-3530	227	1	b	b	X
fsr-3530	227	2	w	w	NOUN
fsr-3530	227	3	e	e	X
fsr-3530	227	4	re	re	ADP
fsr-3530	227	5	g	g	PROPN
fsr-3530	227	6	re	re	ADP
fsr-3530	227	7	ss	ss	PROPN
fsr-3530	227	8	su	su	PROPN
fsr-3530	227	9	b	b	PROPN
fsr-3530	227	10	je	je	PROPN
fsr-3530	227	11	ct	ct	NUM
fsr-3530	227	12	iv	iv	NUM
fsr-3530	227	13	e	e	PROPN
fsr-3530	227	14	fi	fi	NOUN
fsr-3530	227	15	n	n	CCONJ
fsr-3530	227	16	an	an	DET
fsr-3530	227	17	ci	ci	PROPN
fsr-3530	227	18	al	al	PROPN
fsr-3530	227	19	li	li	PROPN
fsr-3530	228	1	te	te	PROPN
fsr-3530	228	2	ra	ra	PROPN
fsr-3530	228	3	cy	cy	INTJ
fsr-3530	228	4	o	o	PROPN
fsr-3530	228	5	n	n	ADV
fsr-3530	228	6	th	th	X
fsr-3530	228	7	e	e	X
fsr-3530	228	8	o	o	X
fsr-3530	228	9	b	b	X
fsr-3530	228	10	je	je	X
fsr-3530	228	11	ct	ct	NUM
fsr-3530	228	12	iv	iv	NUM
fsr-3530	228	13	e	e	PROPN
fsr-3530	228	14	li	li	PROPN
fsr-3530	228	15	te	te	PROPN
fsr-3530	228	16	ra	ra	PROPN
fsr-3530	228	17	cy	cy	INTJ
fsr-3530	228	18	an	an	PROPN
fsr-3530	228	19	d	d	X
fsr-3530	228	20	ta	ta	ADP
fsr-3530	228	21	k	k	PROPN
fsr-3530	228	22	e	e	X
fsr-3530	228	23	th	th	X
fsr-3530	228	24	e	e	X
fsr-3530	228	25	re	re	X
fsr-3530	228	26	si	si	PROPN
fsr-3530	228	27	d	d	PROPN
fsr-3530	228	28	u	u	PROPN
fsr-3530	228	29	al	al	PROPN
fsr-3530	228	30	as	as	ADP
fsr-3530	228	31	an	an	DET
fsr-3530	228	32	o	o	NOUN
fsr-3530	228	33	v	v	ADP
fsr-3530	228	34	er	er	INTJ
fsr-3530	228	35	co	co	NOUN
fsr-3530	228	36	n	n	PROPN
fsr-3530	228	37	fi	fi	NOUN
fsr-3530	228	38	d	d	X
fsr-3530	228	39	en	en	PROPN
fsr-3530	228	40	ce	ce	PROPN
fsr-3530	228	41	m	m	PROPN
fsr-3530	228	42	ea	ea	PROPN
fsr-3530	228	43	su	su	PROPN
fsr-3530	228	44	re	re	PROPN
fsr-3530	228	45	.	.	PUNCT
fsr-3530	229	1	s	s	VERB
fsr-3530	229	2	ig	ig	PROPN
fsr-3530	229	3	n	n	PROPN
fsr-3530	229	4	ifi	ifi	PROPN
fsr-3530	229	5	ca	ca	PROPN
fsr-3530	229	6	n	n	ADV
fsr-3530	229	7	ce	ce	PROPN
fsr-3530	229	8	le	le	X
fsr-3530	229	9	ve	ve	PROPN
fsr-3530	229	10	l	l	NOUN
fsr-3530	229	11	:	:	PUNCT
fsr-3530	230	1	*	*	PUNCT
fsr-3530	230	2	p	p	X
fsr-3530	230	3	<	<	X
fsr-3530	230	4	.0	.0	NUM
fsr-3530	230	5	5	5	NUM
fsr-3530	230	6	,	,	PUNCT
fsr-3530	230	7	*	*	PUNCT
fsr-3530	230	8	*	*	PUNCT
fsr-3530	230	9	p	p	X
fsr-3530	230	10	<	<	X
fsr-3530	230	11	.0	.0	NUM
fsr-3530	230	12	1	1	NUM
fsr-3530	230	13	,	,	PUNCT
fsr-3530	230	14	*	*	PUNCT
fsr-3530	231	1	*	*	PUNCT
fsr-3530	231	2	*	*	PUNCT
fsr-3530	231	3	p	p	X
fsr-3530	231	4	<	<	X
fsr-3530	231	5	.0	.0	NUM
fsr-3530	231	6	0	0	NUM
fsr-3530	231	7	1	1	NUM
fsr-3530	231	8	.	.	PUNCT
fsr-3530	232	1	128	128	NUM
fsr-3530	232	2	k.	k.	PROPN
fsr-3530	232	3	t.	t.	PROPN
fsr-3530	232	4	kim	kim	PROPN
fsr-3530	232	5	et	et	PROPN
fsr-3530	232	6	al	al	PROPN
fsr-3530	232	7	.	.	PUNCT
fsr-3530	232	8	/	/	SYM
fsr-3530	232	9	financial	financial	ADJ
fsr-3530	232	10	services	service	NOUN
fsr-3530	232	11	review	review	VERB
fsr-3530	232	12	31	31	NUM
fsr-3530	232	13	(	(	PUNCT
fsr-3530	232	14	2023	2023	NUM
fsr-3530	232	15	)	)	PUNCT
fsr-3530	232	16	121–132	121–132	NUM
fsr-3530	232	17	unit	unit	NOUN
fsr-3530	232	18	increase	increase	NOUN
fsr-3530	232	19	in	in	ADP
fsr-3530	232	20	subjective	subjective	ADJ
fsr-3530	232	21	literacy	literacy	NOUN
fsr-3530	232	22	increased	increase	VERB
fsr-3530	232	23	the	the	DET
fsr-3530	232	24	odds	odd	NOUN
fsr-3530	232	25	by	by	ADP
fsr-3530	232	26	80.6	80.6	NUM
fsr-3530	232	27	%	%	NOUN
fsr-3530	232	28	.	.	PUNCT
fsr-3530	233	1	in	in	ADP
fsr-3530	233	2	models	model	NOUN
fsr-3530	233	3	b	b	PROPN
fsr-3530	233	4	,	,	PUNCT
fsr-3530	233	5	c	c	NOUN
fsr-3530	233	6	,	,	PUNCT
fsr-3530	233	7	and	and	CCONJ
fsr-3530	233	8	d	d	X
fsr-3530	233	9	,	,	PUNCT
fsr-3530	233	10	we	we	PRON
fsr-3530	233	11	found	find	VERB
fsr-3530	233	12	strong	strong	ADJ
fsr-3530	233	13	positive	positive	ADJ
fsr-3530	233	14	associations	association	NOUN
fsr-3530	233	15	between	between	ADP
fsr-3530	233	16	overconfidence	overconfidence	NOUN
fsr-3530	233	17	(	(	PUNCT
fsr-3530	233	18	as	as	SCONJ
fsr-3530	233	19	specified	specify	VERB
fsr-3530	233	20	three	three	NUM
fsr-3530	233	21	different	different	ADJ
fsr-3530	233	22	ways	way	NOUN
fsr-3530	233	23	)	)	PUNCT
fsr-3530	233	24	and	and	CCONJ
fsr-3530	233	25	cryptocurrency	cryptocurrency	NOUN
fsr-3530	233	26	investment	investment	NOUN
fsr-3530	233	27	.	.	PUNCT
fsr-3530	234	1	investors	investor	NOUN
fsr-3530	234	2	with	with	ADP
fsr-3530	234	3	overconfidence	overconfidence	NOUN
fsr-3530	234	4	in	in	ADP
fsr-3530	234	5	investment	investment	NOUN
fsr-3530	234	6	literacy	literacy	NOUN
fsr-3530	234	7	(	(	PUNCT
fsr-3530	234	8	model	model	NOUN
fsr-3530	234	9	b	b	PROPN
fsr-3530	234	10	,	,	PUNCT
fsr-3530	234	11	index	index	NOUN
fsr-3530	234	12	1	1	NUM
fsr-3530	234	13	)	)	PUNCT
fsr-3530	234	14	had	have	VERB
fsr-3530	234	15	3.1	3.1	NUM
fsr-3530	234	16	times	time	NOUN
fsr-3530	234	17	the	the	DET
fsr-3530	234	18	odds	odd	NOUN
fsr-3530	234	19	of	of	ADP
fsr-3530	234	20	investing	invest	VERB
fsr-3530	234	21	in	in	ADP
fsr-3530	234	22	cryptocurrency	cryptocurrency	NOUN
fsr-3530	234	23	as	as	ADP
fsr-3530	234	24	investors	investor	NOUN
fsr-3530	234	25	who	who	PRON
fsr-3530	234	26	were	be	AUX
fsr-3530	234	27	not	not	PART
fsr-3530	234	28	overconfident	overconfident	ADJ
fsr-3530	234	29	.	.	PUNCT
fsr-3530	235	1	additionally	additionally	ADV
fsr-3530	235	2	,	,	PUNCT
fsr-3530	235	3	a	a	DET
fsr-3530	235	4	one	one	NUM
fsr-3530	235	5	unit	unit	NOUN
fsr-3530	235	6	increase	increase	NOUN
fsr-3530	235	7	in	in	ADP
fsr-3530	235	8	overconfidence	overconfidence	NOUN
fsr-3530	235	9	index	index	NOUN
fsr-3530	235	10	2	2	NUM
fsr-3530	235	11	(	(	PUNCT
fsr-3530	235	12	model	model	NOUN
fsr-3530	235	13	c	c	NOUN
fsr-3530	235	14	)	)	PUNCT
fsr-3530	235	15	increased	increase	VERB
fsr-3530	235	16	the	the	DET
fsr-3530	235	17	odds	odd	NOUN
fsr-3530	235	18	of	of	ADP
fsr-3530	235	19	investing	invest	VERB
fsr-3530	235	20	in	in	ADP
fsr-3530	235	21	cryptocurrency	cryptocurrency	NOUN
fsr-3530	235	22	by	by	ADP
fsr-3530	235	23	26.7	26.7	NUM
fsr-3530	235	24	%	%	NOUN
fsr-3530	235	25	,	,	PUNCT
fsr-3530	235	26	and	and	CCONJ
fsr-3530	235	27	a	a	DET
fsr-3530	235	28	one	one	NUM
fsr-3530	235	29	unit	unit	NOUN
fsr-3530	235	30	increase	increase	NOUN
fsr-3530	235	31	in	in	ADP
fsr-3530	235	32	overconfidence	overconfidence	NOUN
fsr-3530	235	33	index	index	NOUN
fsr-3530	235	34	3	3	NUM
fsr-3530	235	35	(	(	PUNCT
fsr-3530	235	36	model	model	NOUN
fsr-3530	235	37	d	d	PROPN
fsr-3530	235	38	)	)	PUNCT
fsr-3530	235	39	increased	increase	VERB
fsr-3530	235	40	the	the	DET
fsr-3530	235	41	odds	odd	NOUN
fsr-3530	235	42	of	of	ADP
fsr-3530	235	43	investing	invest	VERB
fsr-3530	235	44	in	in	ADP
fsr-3530	235	45	cryptocurrency	cryptocurrency	NOUN
fsr-3530	235	46	by	by	ADP
fsr-3530	235	47	81.8	81.8	NUM
fsr-3530	235	48	%	%	NOUN
fsr-3530	235	49	.	.	PUNCT
fsr-3530	236	1	among	among	ADP
fsr-3530	236	2	control	control	NOUN
fsr-3530	236	3	variables	variable	NOUN
fsr-3530	236	4	,	,	PUNCT
fsr-3530	236	5	age	age	NOUN
fsr-3530	236	6	was	be	AUX
fsr-3530	236	7	negatively	negatively	ADV
fsr-3530	236	8	associated	associate	VERB
fsr-3530	236	9	with	with	ADP
fsr-3530	236	10	the	the	DET
fsr-3530	236	11	likelihood	likelihood	NOUN
fsr-3530	236	12	of	of	ADP
fsr-3530	236	13	investing	invest	VERB
fsr-3530	236	14	in	in	ADP
fsr-3530	236	15	cryptocurrency	cryptocurrency	NOUN
fsr-3530	236	16	.	.	PUNCT
fsr-3530	237	1	single	single	ADJ
fsr-3530	237	2	investors	investor	NOUN
fsr-3530	237	3	were	be	AUX
fsr-3530	237	4	less	less	ADV
fsr-3530	237	5	likely	likely	ADJ
fsr-3530	237	6	to	to	PART
fsr-3530	237	7	invest	invest	VERB
fsr-3530	237	8	in	in	ADP
fsr-3530	237	9	cryptocurrency	cryptocurrency	NOUN
fsr-3530	237	10	than	than	ADP
fsr-3530	237	11	married	married	ADJ
fsr-3530	237	12	couples	couple	NOUN
fsr-3530	237	13	.	.	PUNCT
fsr-3530	238	1	homemakers	homemaker	NOUN
fsr-3530	238	2	and	and	CCONJ
fsr-3530	238	3	students	student	NOUN
fsr-3530	238	4	had	have	VERB
fsr-3530	238	5	lower	low	ADJ
fsr-3530	238	6	likelihood	likelihood	NOUN
fsr-3530	238	7	of	of	ADP
fsr-3530	238	8	investing	invest	VERB
fsr-3530	238	9	in	in	ADP
fsr-3530	238	10	cryptocurrency	cryptocurrency	NOUN
fsr-3530	238	11	than	than	ADP
fsr-3530	238	12	full	full	ADJ
fsr-3530	238	13	-	-	PUNCT
fsr-3530	238	14	time	time	NOUN
fsr-3530	238	15	employee	employee	NOUN
fsr-3530	238	16	.	.	PUNCT
fsr-3530	239	1	investors	investor	NOUN
fsr-3530	239	2	with	with	ADP
fsr-3530	239	3	the	the	DET
fsr-3530	239	4	lowest	low	ADJ
fsr-3530	239	5	amount	amount	NOUN
fsr-3530	239	6	of	of	ADP
fsr-3530	239	7	income	income	NOUN
fsr-3530	239	8	were	be	AUX
fsr-3530	239	9	more	more	ADV
fsr-3530	239	10	likely	likely	ADJ
fsr-3530	239	11	to	to	PART
fsr-3530	239	12	invest	invest	VERB
fsr-3530	239	13	in	in	ADP
fsr-3530	239	14	cryptocurrency	cryptocurrency	NOUN
fsr-3530	239	15	than	than	ADP
fsr-3530	239	16	those	those	PRON
fsr-3530	239	17	with	with	ADP
fsr-3530	239	18	the	the	DET
fsr-3530	239	19	highest	high	ADJ
fsr-3530	239	20	income	income	NOUN
fsr-3530	239	21	(	(	PUNCT
fsr-3530	239	22	$	$	SYM
fsr-3530	239	23	150,000	150,000	NUM
fsr-3530	239	24	or	or	CCONJ
fsr-3530	239	25	more	more	ADJ
fsr-3530	239	26	)	)	PUNCT
fsr-3530	239	27	.	.	PUNCT
fsr-3530	240	1	investors	investor	NOUN
fsr-3530	240	2	with	with	ADP
fsr-3530	240	3	the	the	DET
fsr-3530	240	4	lowest	low	ADJ
fsr-3530	240	5	amount	amount	NOUN
fsr-3530	240	6	of	of	ADP
fsr-3530	240	7	investment	investment	NOUN
fsr-3530	240	8	assets	asset	NOUN
fsr-3530	240	9	(	(	PUNCT
fsr-3530	240	10	less	less	ADJ
fsr-3530	240	11	than	than	ADP
fsr-3530	240	12	$	$	SYM
fsr-3530	240	13	5,000	5,000	NUM
fsr-3530	240	14	)	)	PUNCT
fsr-3530	240	15	were	be	AUX
fsr-3530	240	16	more	more	ADV
fsr-3530	240	17	likely	likely	ADJ
fsr-3530	240	18	to	to	PART
fsr-3530	240	19	invest	invest	VERB
fsr-3530	240	20	in	in	ADP
fsr-3530	240	21	cryptocurrency	cryptocurrency	NOUN
fsr-3530	240	22	than	than	ADP
fsr-3530	240	23	those	those	PRON
fsr-3530	240	24	with	with	ADP
fsr-3530	240	25	the	the	DET
fsr-3530	240	26	investment	investment	NOUN
fsr-3530	240	27	assets	asset	NOUN
fsr-3530	240	28	of	of	ADP
fsr-3530	240	29	$	$	SYM
fsr-3530	240	30	5,000–$24,999	5,000–$24,999	NUM
fsr-3530	240	31	.	.	PUNCT
fsr-3530	241	1	5	5	NUM
fsr-3530	241	2	.	.	X
fsr-3530	241	3	discussion	discussion	NOUN
fsr-3530	241	4	and	and	CCONJ
fsr-3530	241	5	implications	implication	NOUN
fsr-3530	241	6	while	while	SCONJ
fsr-3530	241	7	investment	investment	NOUN
fsr-3530	241	8	in	in	ADP
fsr-3530	241	9	cryptocurrency	cryptocurrency	NOUN
fsr-3530	241	10	has	have	AUX
fsr-3530	241	11	been	be	AUX
fsr-3530	241	12	rapidly	rapidly	ADV
fsr-3530	241	13	growing	grow	VERB
fsr-3530	241	14	,	,	PUNCT
fsr-3530	241	15	the	the	DET
fsr-3530	241	16	academic	academic	ADJ
fsr-3530	241	17	research	research	NOUN
fsr-3530	241	18	on	on	ADP
fsr-3530	241	19	cryptocurrency	cryptocurrency	NOUN
fsr-3530	241	20	investors	investor	NOUN
fsr-3530	241	21	is	be	AUX
fsr-3530	241	22	still	still	ADV
fsr-3530	241	23	understudied	understudied	ADJ
fsr-3530	241	24	.	.	PUNCT
fsr-3530	242	1	to	to	PART
fsr-3530	242	2	fill	fill	VERB
fsr-3530	242	3	this	this	DET
fsr-3530	242	4	gap	gap	NOUN
fsr-3530	242	5	,	,	PUNCT
fsr-3530	242	6	this	this	DET
fsr-3530	242	7	study	study	NOUN
fsr-3530	242	8	investigated	investigate	VERB
fsr-3530	242	9	the	the	DET
fsr-3530	242	10	associations	association	NOUN
fsr-3530	242	11	between	between	ADP
fsr-3530	242	12	investment	investment	NOUN
fsr-3530	242	13	literacy	literacy	NOUN
fsr-3530	242	14	and	and	CCONJ
fsr-3530	242	15	cryptocurrency	cryptocurrency	NOUN
fsr-3530	242	16	investment	investment	NOUN
fsr-3530	242	17	of	of	ADP
fsr-3530	242	18	us	us	PROPN
fsr-3530	242	19	investors	investor	NOUN
fsr-3530	242	20	.	.	PUNCT
fsr-3530	243	1	one	one	NUM
fsr-3530	243	2	of	of	ADP
fsr-3530	243	3	the	the	DET
fsr-3530	243	4	notable	notable	ADJ
fsr-3530	243	5	findings	finding	NOUN
fsr-3530	243	6	is	be	AUX
fsr-3530	243	7	that	that	SCONJ
fsr-3530	243	8	objective	objective	ADJ
fsr-3530	243	9	investment	investment	NOUN
fsr-3530	243	10	literacy	literacy	NOUN
fsr-3530	243	11	is	be	AUX
fsr-3530	243	12	negatively	negatively	ADV
fsr-3530	243	13	while	while	SCONJ
fsr-3530	243	14	subjective	subjective	ADJ
fsr-3530	243	15	literacy	literacy	NOUN
fsr-3530	243	16	and	and	CCONJ
fsr-3530	243	17	overconfidence	overconfidence	NOUN
fsr-3530	243	18	are	be	AUX
fsr-3530	243	19	positively	positively	ADV
fsr-3530	243	20	associated	associate	VERB
fsr-3530	243	21	with	with	ADP
fsr-3530	243	22	the	the	DET
fsr-3530	243	23	likelihood	likelihood	NOUN
fsr-3530	243	24	of	of	ADP
fsr-3530	243	25	investing	invest	VERB
fsr-3530	243	26	in	in	ADP
fsr-3530	243	27	cryptocurrency	cryptocurrency	NOUN
fsr-3530	243	28	.	.	PUNCT
fsr-3530	244	1	further	far	ADV
fsr-3530	244	2	,	,	PUNCT
fsr-3530	244	3	we	we	PRON
fsr-3530	244	4	found	find	VERB
fsr-3530	244	5	various	various	ADJ
fsr-3530	244	6	socioeconomic	socioeconomic	ADJ
fsr-3530	244	7	characteristics	characteristic	NOUN
fsr-3530	244	8	related	relate	VERB
fsr-3530	244	9	to	to	ADP
fsr-3530	244	10	cryptocurrency	cryptocurrency	NOUN
fsr-3530	244	11	investment	investment	NOUN
fsr-3530	244	12	.	.	PUNCT
fsr-3530	245	1	in	in	ADP
fsr-3530	245	2	line	line	NOUN
fsr-3530	245	3	with	with	ADP
fsr-3530	245	4	previous	previous	ADJ
fsr-3530	245	5	research	research	NOUN
fsr-3530	245	6	on	on	ADP
fsr-3530	245	7	risky	risky	ADJ
fsr-3530	245	8	assets	asset	NOUN
fsr-3530	245	9	and	and	CCONJ
fsr-3530	245	10	stock	stock	NOUN
fsr-3530	245	11	investment	investment	NOUN
fsr-3530	245	12	,	,	PUNCT
fsr-3530	245	13	we	we	PRON
fsr-3530	245	14	confirmed	confirm	VERB
fsr-3530	245	15	a	a	DET
fsr-3530	245	16	salient	salient	ADJ
fsr-3530	245	17	effect	effect	NOUN
fsr-3530	245	18	of	of	ADP
fsr-3530	245	19	investment	investment	NOUN
fsr-3530	245	20	literacy	literacy	NOUN
fsr-3530	245	21	on	on	ADP
fsr-3530	245	22	cryptocurrency	cryptocurrency	NOUN
fsr-3530	245	23	investment	investment	NOUN
fsr-3530	245	24	.	.	PUNCT
fsr-3530	246	1	given	give	VERB
fsr-3530	246	2	the	the	DET
fsr-3530	246	3	high	high	ADJ
fsr-3530	246	4	volatility	volatility	NOUN
fsr-3530	246	5	and	and	CCONJ
fsr-3530	246	6	anomalies	anomaly	NOUN
fsr-3530	246	7	in	in	ADP
fsr-3530	246	8	the	the	DET
fsr-3530	246	9	cryptocurrency	cryptocurrency	NOUN
fsr-3530	246	10	market	market	NOUN
fsr-3530	246	11	,	,	PUNCT
fsr-3530	246	12	and	and	CCONJ
fsr-3530	246	13	the	the	DET
fsr-3530	246	14	short	short	ADJ
fsr-3530	246	15	history	history	NOUN
fsr-3530	246	16	of	of	ADP
fsr-3530	246	17	the	the	DET
fsr-3530	246	18	market	market	NOUN
fsr-3530	246	19	,	,	PUNCT
fsr-3530	246	20	such	such	ADJ
fsr-3530	246	21	investments	investment	NOUN
fsr-3530	246	22	do	do	AUX
fsr-3530	246	23	not	not	PART
fsr-3530	246	24	seem	seem	VERB
fsr-3530	246	25	prudent	prudent	ADJ
fsr-3530	246	26	,	,	PUNCT
fsr-3530	246	27	so	so	ADV
fsr-3530	246	28	our	our	PRON
fsr-3530	246	29	finding	finding	NOUN
fsr-3530	246	30	that	that	SCONJ
fsr-3530	246	31	overconfident	overconfident	ADJ
fsr-3530	246	32	individuals	individual	NOUN
fsr-3530	246	33	are	be	AUX
fsr-3530	246	34	more	more	ADV
fsr-3530	246	35	likely	likely	ADJ
fsr-3530	246	36	to	to	PART
fsr-3530	246	37	hold	hold	VERB
fsr-3530	246	38	them	they	PRON
fsr-3530	246	39	is	be	AUX
fsr-3530	246	40	not	not	PART
fsr-3530	246	41	surprising	surprising	ADJ
fsr-3530	246	42	.	.	PUNCT
fsr-3530	247	1	however	however	ADV
fsr-3530	247	2	,	,	PUNCT
fsr-3530	247	3	given	give	VERB
fsr-3530	247	4	the	the	DET
fsr-3530	247	5	trend	trend	NOUN
fsr-3530	247	6	of	of	ADP
fsr-3530	247	7	increasing	increase	VERB
fsr-3530	247	8	and	and	CCONJ
fsr-3530	247	9	considerable	considerable	ADJ
fsr-3530	247	10	trading	trading	NOUN
fsr-3530	247	11	volume	volume	NOUN
fsr-3530	247	12	in	in	ADP
fsr-3530	247	13	a	a	DET
fsr-3530	247	14	market	market	NOUN
fsr-3530	247	15	,	,	PUNCT
fsr-3530	247	16	our	our	PRON
fsr-3530	247	17	finding	finding	NOUN
fsr-3530	247	18	provides	provide	VERB
fsr-3530	247	19	some	some	DET
fsr-3530	247	20	implications	implication	NOUN
fsr-3530	247	21	for	for	ADP
fsr-3530	247	22	financial	financial	ADJ
fsr-3530	247	23	practitioners	practitioner	NOUN
fsr-3530	247	24	and	and	CCONJ
fsr-3530	247	25	educators	educator	NOUN
fsr-3530	247	26	.	.	PUNCT
fsr-3530	248	1	many	many	ADJ
fsr-3530	248	2	studies	study	NOUN
fsr-3530	248	3	have	have	AUX
fsr-3530	248	4	documented	document	VERB
fsr-3530	248	5	low	low	ADJ
fsr-3530	248	6	level	level	NOUN
fsr-3530	248	7	of	of	ADP
fsr-3530	248	8	financial	financial	ADJ
fsr-3530	248	9	literacy	literacy	NOUN
fsr-3530	248	10	(	(	PUNCT
fsr-3530	248	11	e.g.	e.g.	ADV
fsr-3530	248	12	,	,	PUNCT
fsr-3530	248	13	atkinson	atkinson	PROPN
fsr-3530	248	14	&	&	CCONJ
fsr-3530	248	15	messy	messy	ADJ
fsr-3530	248	16	2012	2012	NUM
fsr-3530	248	17	;	;	PUNCT
fsr-3530	248	18	lusardi	lusardi	PROPN
fsr-3530	248	19	&	&	CCONJ
fsr-3530	248	20	mitchell	mitchell	PROPN
fsr-3530	248	21	2017	2017	NUM
fsr-3530	248	22	)	)	PUNCT
fsr-3530	248	23	and	and	CCONJ
fsr-3530	248	24	significant	significant	ADJ
fsr-3530	248	25	divergence	divergence	NOUN
fsr-3530	248	26	between	between	ADP
fsr-3530	248	27	objective	objective	ADJ
fsr-3530	248	28	and	and	CCONJ
fsr-3530	248	29	subjective	subjective	ADJ
fsr-3530	248	30	financial	financial	ADJ
fsr-3530	248	31	literacy	literacy	NOUN
fsr-3530	248	32	(	(	PUNCT
fsr-3530	248	33	e.g.	e.g.	ADV
fsr-3530	248	34	,	,	PUNCT
fsr-3530	248	35	kim	kim	PROPN
fsr-3530	248	36	et	et	PROPN
fsr-3530	248	37	al	al	PROPN
fsr-3530	248	38	.	.	PROPN
fsr-3530	248	39	,	,	PUNCT
fsr-3530	248	40	2020	2020	NUM
fsr-3530	248	41	;	;	PUNCT
fsr-3530	248	42	robb	robb	VERB
fsr-3530	248	43	et	et	PROPN
fsr-3530	248	44	al	al	PROPN
fsr-3530	248	45	.	.	PROPN
fsr-3530	248	46	,	,	PUNCT
fsr-3530	248	47	2015	2015	NUM
fsr-3530	248	48	)	)	PUNCT
fsr-3530	248	49	.	.	PUNCT
fsr-3530	249	1	use	use	NOUN
fsr-3530	249	2	of	of	ADP
fsr-3530	249	3	financial	financial	ADJ
fsr-3530	249	4	advice	advice	NOUN
fsr-3530	249	5	or	or	CCONJ
fsr-3530	249	6	delegation	delegation	NOUN
fsr-3530	249	7	of	of	ADP
fsr-3530	249	8	financial	financial	ADJ
fsr-3530	249	9	decisions	decision	NOUN
fsr-3530	249	10	could	could	AUX
fsr-3530	249	11	be	be	AUX
fsr-3530	249	12	possible	possible	ADJ
fsr-3530	249	13	alternatives	alternative	NOUN
fsr-3530	249	14	to	to	PART
fsr-3530	249	15	accompany	accompany	VERB
fsr-3530	249	16	improving	improve	VERB
fsr-3530	249	17	one	one	NUM
fsr-3530	249	18	’s	’s	PART
fsr-3530	249	19	investment	investment	NOUN
fsr-3530	249	20	literacy	literacy	NOUN
fsr-3530	249	21	and	and	CCONJ
fsr-3530	249	22	assessing	assess	VERB
fsr-3530	249	23	their	their	PRON
fsr-3530	249	24	financial	financial	ADJ
fsr-3530	249	25	literacy	literacy	NOUN
fsr-3530	249	26	level	level	NOUN
fsr-3530	249	27	realistically	realistically	ADV
fsr-3530	249	28	.	.	PUNCT
fsr-3530	250	1	our	our	PRON
fsr-3530	250	2	study	study	NOUN
fsr-3530	250	3	did	do	AUX
fsr-3530	250	4	not	not	PART
fsr-3530	250	5	test	test	VERB
fsr-3530	250	6	this	this	DET
fsr-3530	250	7	issue	issue	NOUN
fsr-3530	250	8	empirically	empirically	ADV
fsr-3530	250	9	,	,	PUNCT
fsr-3530	250	10	but	but	CCONJ
fsr-3530	250	11	the	the	DET
fsr-3530	250	12	use	use	NOUN
fsr-3530	250	13	of	of	ADP
fsr-3530	250	14	financial	financial	ADJ
fsr-3530	250	15	advice	advice	NOUN
fsr-3530	250	16	could	could	AUX
fsr-3530	250	17	be	be	AUX
fsr-3530	250	18	a	a	DET
fsr-3530	250	19	complementary	complementary	ADJ
fsr-3530	250	20	and	and	CCONJ
fsr-3530	250	21	supplementary	supplementary	ADJ
fsr-3530	250	22	source	source	NOUN
fsr-3530	250	23	of	of	ADP
fsr-3530	250	24	financial	financial	ADJ
fsr-3530	250	25	and	and	CCONJ
fsr-3530	250	26	investment	investment	NOUN
fsr-3530	250	27	literacy	literacy	NOUN
fsr-3530	250	28	of	of	ADP
fsr-3530	250	29	investors	investor	NOUN
fsr-3530	250	30	.	.	PUNCT
fsr-3530	251	1	this	this	DET
fsr-3530	251	2	study	study	NOUN
fsr-3530	251	3	has	have	VERB
fsr-3530	251	4	some	some	DET
fsr-3530	251	5	limitations	limitation	NOUN
fsr-3530	251	6	to	to	PART
fsr-3530	251	7	be	be	AUX
fsr-3530	251	8	noted	note	VERB
fsr-3530	251	9	.	.	PUNCT
fsr-3530	252	1	first	first	ADV
fsr-3530	252	2	,	,	PUNCT
fsr-3530	252	3	given	give	VERB
fsr-3530	252	4	the	the	DET
fsr-3530	252	5	cross	cross	ADJ
fsr-3530	252	6	-	-	ADJ
fsr-3530	252	7	sectional	sectional	ADJ
fsr-3530	252	8	design	design	NOUN
fsr-3530	252	9	of	of	ADP
fsr-3530	252	10	the	the	DET
fsr-3530	252	11	nfcs	nfcs	PROPN
fsr-3530	252	12	investor	investor	NOUN
fsr-3530	252	13	survey	survey	NOUN
fsr-3530	252	14	,	,	PUNCT
fsr-3530	252	15	this	this	DET
fsr-3530	252	16	study	study	NOUN
fsr-3530	252	17	did	do	AUX
fsr-3530	252	18	not	not	PART
fsr-3530	252	19	address	address	VERB
fsr-3530	252	20	any	any	DET
fsr-3530	252	21	causal	causal	ADJ
fsr-3530	252	22	inferences	inference	NOUN
fsr-3530	252	23	between	between	ADP
fsr-3530	252	24	investment	investment	NOUN
fsr-3530	252	25	literacy	literacy	NOUN
fsr-3530	252	26	and	and	CCONJ
fsr-3530	252	27	investing	invest	VERB
fsr-3530	252	28	in	in	ADP
fsr-3530	252	29	cryptocurrency	cryptocurrency	NOUN
fsr-3530	252	30	.	.	PUNCT
fsr-3530	253	1	ideally	ideally	ADV
fsr-3530	253	2	,	,	PUNCT
fsr-3530	253	3	analyses	analyse	VERB
fsr-3530	253	4	that	that	PRON
fsr-3530	253	5	use	use	VERB
fsr-3530	253	6	longitudinal	longitudinal	ADJ
fsr-3530	253	7	dataset	dataset	NOUN
fsr-3530	253	8	or	or	CCONJ
fsr-3530	253	9	experimental	experimental	ADJ
fsr-3530	253	10	study	study	NOUN
fsr-3530	253	11	are	be	AUX
fsr-3530	253	12	needed	need	VERB
fsr-3530	253	13	to	to	PART
fsr-3530	253	14	address	address	VERB
fsr-3530	253	15	the	the	DET
fsr-3530	253	16	causal	causal	ADJ
fsr-3530	253	17	inference	inference	NOUN
fsr-3530	253	18	.	.	PUNCT
fsr-3530	254	1	second	second	ADJ
fsr-3530	254	2	,	,	PUNCT
fsr-3530	254	3	the	the	DET
fsr-3530	254	4	timeframe	timeframe	NOUN
fsr-3530	254	5	of	of	ADP
fsr-3530	254	6	cryptocurrency	cryptocurrency	NOUN
fsr-3530	254	7	investment	investment	NOUN
fsr-3530	254	8	is	be	AUX
fsr-3530	254	9	not	not	PART
fsr-3530	254	10	specified	specify	VERB
fsr-3530	254	11	in	in	ADP
fsr-3530	254	12	the	the	DET
fsr-3530	254	13	nfcs	nfcs	PROPN
fsr-3530	254	14	survey	survey	NOUN
fsr-3530	254	15	,	,	PUNCT
fsr-3530	254	16	for	for	ADP
fsr-3530	254	17	example	example	NOUN
fsr-3530	254	18	,	,	PUNCT
fsr-3530	254	19	“	"	PUNCT
fsr-3530	254	20	have	have	AUX
fsr-3530	254	21	you	you	PRON
fsr-3530	254	22	invested	invest	VERB
fsr-3530	254	23	.	.	PUNCT
fsr-3530	254	24	.	.	PUNCT
fsr-3530	254	25	.	.	PUNCT
fsr-3530	254	26	”	"	PUNCT
fsr-3530	255	1	also	also	ADV
fsr-3530	255	2	,	,	PUNCT
fsr-3530	255	3	the	the	DET
fsr-3530	255	4	survey	survey	NOUN
fsr-3530	255	5	question	question	NOUN
fsr-3530	255	6	does	do	AUX
fsr-3530	255	7	not	not	PART
fsr-3530	255	8	ask	ask	VERB
fsr-3530	255	9	specific	specific	ADJ
fsr-3530	255	10	type	type	NOUN
fsr-3530	255	11	of	of	ADP
fsr-3530	255	12	cryptocurrency	cryptocurrency	NOUN
fsr-3530	255	13	available	available	ADJ
fsr-3530	255	14	in	in	ADP
fsr-3530	255	15	a	a	DET
fsr-3530	255	16	marketplace	marketplace	NOUN
fsr-3530	255	17	.	.	PUNCT
fsr-3530	256	1	despite	despite	SCONJ
fsr-3530	256	2	these	these	DET
fsr-3530	256	3	limitations	limitation	NOUN
fsr-3530	256	4	,	,	PUNCT
fsr-3530	256	5	this	this	DET
fsr-3530	256	6	study	study	NOUN
fsr-3530	256	7	provides	provide	VERB
fsr-3530	256	8	a	a	DET
fsr-3530	256	9	source	source	NOUN
fsr-3530	256	10	of	of	ADP
fsr-3530	256	11	understanding	understand	VERB
fsr-3530	256	12	the	the	DET
fsr-3530	256	13	divergence	divergence	NOUN
fsr-3530	256	14	in	in	ADP
fsr-3530	256	15	investment	investment	NOUN
fsr-3530	256	16	literacy	literacy	NOUN
fsr-3530	256	17	and	and	CCONJ
fsr-3530	256	18	its	its	PRON
fsr-3530	256	19	association	association	NOUN
fsr-3530	256	20	with	with	ADP
fsr-3530	256	21	cryptocurrency	cryptocurrency	NOUN
fsr-3530	256	22	investment	investment	NOUN
fsr-3530	256	23	.	.	PUNCT
fsr-3530	257	1	k.	k.	PROPN
fsr-3530	258	1	t.	t.	PROPN
fsr-3530	258	2	kim	kim	PROPN
fsr-3530	258	3	et	et	PROPN
fsr-3530	258	4	al	al	PROPN
fsr-3530	258	5	.	.	PUNCT
fsr-3530	258	6	/	/	SYM
fsr-3530	258	7	financial	financial	ADJ
fsr-3530	258	8	services	service	NOUN
fsr-3530	258	9	review	review	VERB
fsr-3530	258	10	31	31	NUM
fsr-3530	258	11	(	(	PUNCT
fsr-3530	258	12	2023	2023	NUM
fsr-3530	258	13	)	)	PUNCT
fsr-3530	258	14	121–132	121–132	NUM
fsr-3530	258	15	129	129	NUM
fsr-3530	258	16	appendix	appendix	ADJ
fsr-3530	258	17	sample	sample	NOUN
fsr-3530	258	18	characteristics	characteristic	NOUN
fsr-3530	258	19	variables	variable	VERB
fsr-3530	258	20	percentage	percentage	NOUN
fsr-3530	258	21	age	age	NOUN
fsr-3530	258	22	,	,	PUNCT
fsr-3530	258	23	mean	mean	NOUN
fsr-3530	258	24	(	(	PUNCT
fsr-3530	258	25	sd	sd	NOUN
fsr-3530	258	26	)	)	PUNCT
fsr-3530	258	27	50.8	50.8	NUM
fsr-3530	258	28	(	(	PUNCT
fsr-3530	258	29	17.6	17.6	NUM
fsr-3530	258	30	)	)	PUNCT
fsr-3530	258	31	gender	gender	NOUN
fsr-3530	258	32	male	male	NOUN
fsr-3530	258	33	56.7	56.7	NUM
fsr-3530	258	34	female	female	ADJ
fsr-3530	258	35	43.3	43.3	NUM
fsr-3530	258	36	marital	marital	ADJ
fsr-3530	258	37	status	status	NOUN
fsr-3530	258	38	(	(	PUNCT
fsr-3530	258	39	ref	ref	NOUN
fsr-3530	258	40	:	:	PUNCT
fsr-3530	258	41	married	married	ADJ
fsr-3530	258	42	)	)	PUNCT
fsr-3530	258	43	married	marry	VERB
fsr-3530	258	44	58.4	58.4	NUM
fsr-3530	258	45	single	single	ADJ
fsr-3530	258	46	25.4	25.4	NUM
fsr-3530	258	47	separated	separate	VERB
fsr-3530	258	48	/	/	SYM
fsr-3530	258	49	divorce	divorce	NOUN
fsr-3530	258	50	/	/	SYM
fsr-3530	258	51	widow	widow	NOUN
fsr-3530	258	52	16.2	16.2	NUM
fsr-3530	258	53	presence	presence	NOUN
fsr-3530	258	54	of	of	ADP
fsr-3530	258	55	dependent	dependent	ADJ
fsr-3530	258	56	child	child	NOUN
fsr-3530	258	57	31.3	31.3	NUM
fsr-3530	258	58	race	race	NOUN
fsr-3530	258	59	/	/	SYM
fsr-3530	258	60	ethnicity	ethnicity	NOUN
fsr-3530	258	61	white	white	ADJ
fsr-3530	258	62	76.9	76.9	NUM
fsr-3530	258	63	black	black	ADJ
fsr-3530	258	64	8.3	8.3	NUM
fsr-3530	258	65	hispanic	hispanic	NOUN
fsr-3530	258	66	6.9	6.9	NUM
fsr-3530	258	67	asian	asian	ADJ
fsr-3530	258	68	/	/	SYM
fsr-3530	258	69	others	other	NOUN
fsr-3530	258	70	7.9	7.9	NUM
fsr-3530	258	71	education	education	NOUN
fsr-3530	258	72	high	high	ADJ
fsr-3530	258	73	school	school	NOUN
fsr-3530	258	74	diploma	diploma	NOUN
fsr-3530	258	75	or	or	CCONJ
fsr-3530	258	76	lower	low	ADJ
fsr-3530	258	77	20.4	20.4	NUM
fsr-3530	258	78	some	some	DET
fsr-3530	258	79	college	college	NOUN
fsr-3530	258	80	24.1	24.1	NUM
fsr-3530	258	81	associate	associate	NOUN
fsr-3530	258	82	degree	degree	NOUN
fsr-3530	258	83	10.8	10.8	NUM
fsr-3530	258	84	bachelor	bachelor	NOUN
fsr-3530	258	85	degree	degree	NOUN
fsr-3530	258	86	26.6	26.6	NUM
fsr-3530	258	87	post	post	ADJ
fsr-3530	258	88	-	-	ADJ
fsr-3530	258	89	bachelor	bachelor	ADJ
fsr-3530	258	90	degree	degree	NOUN
fsr-3530	258	91	18.1	18.1	NUM
fsr-3530	258	92	employment	employment	NOUN
fsr-3530	258	93	status	status	NOUN
fsr-3530	258	94	full	full	ADJ
fsr-3530	258	95	-	-	PUNCT
fsr-3530	258	96	time	time	NOUN
fsr-3530	258	97	employee	employee	NOUN
fsr-3530	258	98	42.9	42.9	NUM
fsr-3530	258	99	self	self	NOUN
fsr-3530	258	100	-	-	PUNCT
fsr-3530	258	101	employed	employ	VERB
fsr-3530	258	102	9.0	9.0	NUM
fsr-3530	258	103	part	part	ADJ
fsr-3530	258	104	-	-	PUNCT
fsr-3530	258	105	time	time	NOUN
fsr-3530	258	106	employee	employee	NOUN
fsr-3530	258	107	7.7	7.7	NUM
fsr-3530	258	108	homemaker	homemaker	NOUN
fsr-3530	258	109	3.8	3.8	NUM
fsr-3530	258	110	student	student	NOUN
fsr-3530	258	111	2.5	2.5	NUM
fsr-3530	258	112	disabled	disabled	ADJ
fsr-3530	258	113	1.3	1.3	NUM
fsr-3530	258	114	unemployed	unemployed	ADJ
fsr-3530	258	115	1.9	1.9	NUM
fsr-3530	258	116	retired	retire	VERB
fsr-3530	258	117	30.9	30.9	NUM
fsr-3530	258	118	income	income	NOUN
fsr-3530	258	119	less	less	ADJ
fsr-3530	258	120	than	than	ADP
fsr-3530	258	121	$	$	SYM
fsr-3530	258	122	35,000	35,000	NUM
fsr-3530	258	123	15.6	15.6	NUM
fsr-3530	258	124	$	$	SYM
fsr-3530	258	125	35,000–$49,999	35,000–$49,999	NUM
fsr-3530	258	126	12.3	12.3	NUM
fsr-3530	258	127	$	$	SYM
fsr-3530	258	128	50,000–$74,999	50,000–$74,999	NOUN
fsr-3530	258	129	23.9	23.9	NUM
fsr-3530	258	130	$	$	SYM
fsr-3530	258	131	75,000–$99,999	75,000–$99,999	NUM
fsr-3530	258	132	18.9	18.9	NUM
fsr-3530	258	133	$	$	SYM
fsr-3530	258	134	100,000–$149,999	100,000–$149,999	NUM
fsr-3530	258	135	18.3	18.3	NUM
fsr-3530	258	136	$	$	SYM
fsr-3530	258	137	150,000	150,000	NUM
fsr-3530	258	138	or	or	CCONJ
fsr-3530	258	139	more	more	ADJ
fsr-3530	258	140	11.0	11.0	NUM
fsr-3530	258	141	investment	investment	NOUN
fsr-3530	258	142	assets	asset	NOUN
fsr-3530	258	143	less	less	ADJ
fsr-3530	258	144	than	than	ADP
fsr-3530	258	145	$	$	SYM
fsr-3530	258	146	5,000	5,000	NUM
fsr-3530	258	147	12.4	12.4	NUM
fsr-3530	258	148	$	$	SYM
fsr-3530	258	149	5,000–$24,999	5,000–$24,999	NUM
fsr-3530	258	150	15.1	15.1	NUM
fsr-3530	258	151	$	$	SYM
fsr-3530	258	152	25,000–$49,999	25,000–$49,999	NUM
fsr-3530	258	153	10.8	10.8	NUM
fsr-3530	258	154	$	$	SYM
fsr-3530	258	155	50,000–$99,999	50,000–$99,999	NUM
fsr-3530	258	156	14.9	14.9	NUM
fsr-3530	258	157	$	$	SYM
fsr-3530	258	158	100,000–$249,999	100,000–$249,999	NUM
fsr-3530	258	159	17.0	17.0	NUM
fsr-3530	258	160	$	$	SYM
fsr-3530	258	161	250,000–$499,999	250,000–$499,999	NUM
fsr-3530	258	162	14.2	14.2	NUM
fsr-3530	258	163	$	$	SYM
fsr-3530	258	164	500,000–$999,999	500,000–$999,999	NUM
fsr-3530	258	165	8.3	8.3	NUM
fsr-3530	258	166	$	$	SYM
fsr-3530	258	167	1,000,000	1,000,000	NUM
fsr-3530	258	168	or	or	CCONJ
fsr-3530	258	169	more	more	ADJ
fsr-3530	258	170	7.3	7.3	NUM
fsr-3530	258	171	note	note	NOUN
fsr-3530	258	172	.	.	PUNCT
fsr-3530	259	1	weighted	weight	VERB
fsr-3530	259	2	results	result	NOUN
fsr-3530	259	3	.	.	PUNCT
fsr-3530	260	1	130	130	NUM
fsr-3530	260	2	k.	k.	NOUN
fsr-3530	260	3	t.	t.	PROPN
fsr-3530	260	4	kim	kim	PROPN
fsr-3530	260	5	et	et	PROPN
fsr-3530	260	6	al	al	PROPN
fsr-3530	260	7	.	.	PUNCT
fsr-3530	260	8	/	/	SYM
fsr-3530	260	9	financial	financial	ADJ
fsr-3530	260	10	services	service	NOUN
fsr-3530	260	11	review	review	VERB
fsr-3530	260	12	31	31	NUM
fsr-3530	260	13	(	(	PUNCT
fsr-3530	260	14	2023	2023	NUM
fsr-3530	260	15	)	)	PUNCT
fsr-3530	260	16	121–132	121–132	NUM
fsr-3530	260	17	references	reference	NOUN
fsr-3530	260	18	abreu	abreu	NOUN
fsr-3530	260	19	,	,	PUNCT
fsr-3530	260	20	m.	m.	NOUN
fsr-3530	260	21	,	,	PUNCT
fsr-3530	260	22	&	&	CCONJ
fsr-3530	260	23	mendes	mende	NOUN
fsr-3530	260	24	,	,	PUNCT
fsr-3530	260	25	v.	v.	PROPN
fsr-3530	260	26	(	(	PUNCT
fsr-3530	260	27	2012	2012	NUM
fsr-3530	260	28	)	)	PUNCT
fsr-3530	260	29	.	.	PUNCT
fsr-3530	261	1	information	information	NOUN
fsr-3530	261	2	,	,	PUNCT
fsr-3530	261	3	overconfidence	overconfidence	NOUN
fsr-3530	261	4	and	and	CCONJ
fsr-3530	261	5	trading	trading	NOUN
fsr-3530	261	6	:	:	PUNCT
fsr-3530	261	7	do	do	VERB
fsr-3530	261	8	the	the	DET
fsr-3530	261	9	sources	source	NOUN
fsr-3530	261	10	of	of	ADP
fsr-3530	261	11	information	information	NOUN
fsr-3530	261	12	matter	matter	NOUN
fsr-3530	261	13	?	?	PUNCT
fsr-3530	262	1	journal	journal	NOUN
fsr-3530	262	2	of	of	ADP
fsr-3530	262	3	economic	economic	ADJ
fsr-3530	262	4	psychology	psychology	NOUN
fsr-3530	262	5	,	,	PUNCT
fsr-3530	262	6	33	33	NUM
fsr-3530	262	7	,	,	PUNCT
fsr-3530	262	8	868–881	868–881	NUM
fsr-3530	262	9	.	.	PUNCT
fsr-3530	263	1	https://doi.org/10.1016/j.joep.2012.04.003	https://doi.org/10.1016/j.joep.2012.04.003	ADJ
fsr-3530	263	2	ante	ante	PROPN
fsr-3530	263	3	,	,	PUNCT
fsr-3530	263	4	l.	l.	PROPN
fsr-3530	263	5	,	,	PUNCT
fsr-3530	263	6	fiedler	fiedler	PROPN
fsr-3530	263	7	,	,	PUNCT
fsr-3530	263	8	i.	i.	PROPN
fsr-3530	263	9	,	,	PUNCT
fsr-3530	263	10	meduna	meduna	PROPN
fsr-3530	263	11	,	,	PUNCT
fsr-3530	263	12	m.	m.	NOUN
fsr-3530	263	13	v.	v.	PROPN
fsr-3530	263	14	,	,	PUNCT
fsr-3530	263	15	&	&	CCONJ
fsr-3530	263	16	steinmetz	steinmetz	PROPN
fsr-3530	263	17	,	,	PUNCT
fsr-3530	263	18	f.	f.	PROPN
fsr-3530	263	19	(	(	PUNCT
fsr-3530	263	20	2022	2022	NUM
fsr-3530	263	21	)	)	PUNCT
fsr-3530	263	22	.	.	PUNCT
fsr-3530	264	1	individual	individual	ADJ
fsr-3530	264	2	cryptocurrency	cryptocurrency	NOUN
fsr-3530	264	3	investors	investor	NOUN
fsr-3530	264	4	:	:	PUNCT
fsr-3530	264	5	evidence	evidence	NOUN
fsr-3530	264	6	from	from	ADP
fsr-3530	264	7	a	a	DET
fsr-3530	264	8	population	population	NOUN
fsr-3530	264	9	survey	survey	NOUN
fsr-3530	264	10	.	.	PUNCT
fsr-3530	265	1	international	international	ADJ
fsr-3530	265	2	journal	journal	PROPN
fsr-3530	265	3	of	of	ADP
fsr-3530	265	4	innovation	innovation	NOUN
fsr-3530	265	5	and	and	CCONJ
fsr-3530	265	6	technology	technology	NOUN
fsr-3530	265	7	management	management	NOUN
fsr-3530	265	8	,	,	PUNCT
fsr-3530	265	9	19	19	NUM
fsr-3530	265	10	.	.	PUNCT
fsr-3530	266	1	https://doi.org/	https://doi.org/	VERB
fsr-3530	266	2	10.1142	10.1142	NUM
fsr-3530	266	3	/	/	SYM
fsr-3530	266	4	s0219877022500080	s0219877022500080	NUM
fsr-3530	266	5	arias	aria	NOUN
fsr-3530	266	6	-	-	PUNCT
fsr-3530	266	7	oliva	oliva	PROPN
fsr-3530	266	8	,	,	PUNCT
fsr-3530	266	9	m.	m.	NOUN
fsr-3530	266	10	,	,	PUNCT
fsr-3530	266	11	pelegrı́n	pelegrı́n	NOUN
fsr-3530	266	12	-	-	PUNCT
fsr-3530	266	13	borondo	borondo	ADJ
fsr-3530	266	14	,	,	PUNCT
fsr-3530	266	15	j.	j.	PROPN
fsr-3530	266	16	,	,	PUNCT
fsr-3530	266	17	&	&	CCONJ
fsr-3530	266	18	matı́as	matı́as	ADV
fsr-3530	266	19	-	-	PUNCT
fsr-3530	266	20	clavero	clavero	NOUN
fsr-3530	266	21	,	,	PUNCT
fsr-3530	266	22	g.	g.	PROPN
fsr-3530	266	23	(	(	PUNCT
fsr-3530	266	24	2019	2019	NUM
fsr-3530	266	25	)	)	PUNCT
fsr-3530	266	26	.	.	PUNCT
fsr-3530	267	1	variables	variable	NOUN
fsr-3530	267	2	influencing	influence	VERB
fsr-3530	267	3	cryptocurrency	cryptocurrency	NOUN
fsr-3530	267	4	use	use	NOUN
fsr-3530	267	5	:	:	PUNCT
fsr-3530	267	6	a	a	DET
fsr-3530	267	7	technology	technology	NOUN
fsr-3530	267	8	acceptance	acceptance	NOUN
fsr-3530	267	9	model	model	NOUN
fsr-3530	267	10	in	in	ADP
fsr-3530	267	11	spain	spain	PROPN
fsr-3530	267	12	.	.	PUNCT
fsr-3530	268	1	frontiers	frontier	NOUN
fsr-3530	268	2	in	in	ADP
fsr-3530	268	3	psychology	psychology	NOUN
fsr-3530	268	4	,	,	PUNCT
fsr-3530	268	5	10	10	NUM
fsr-3530	268	6	,	,	PUNCT
fsr-3530	268	7	475	475	NUM
fsr-3530	268	8	.	.	PUNCT
fsr-3530	269	1	https://doi.org/10.3389/	https://doi.org/10.3389/	PROPN
fsr-3530	269	2	fpsyg.2019.00475	fpsyg.2019.00475	PROPN
fsr-3530	269	3	atkinson	atkinson	PROPN
fsr-3530	269	4	,	,	PUNCT
fsr-3530	269	5	a.	a.	PROPN
fsr-3530	269	6	,	,	PUNCT
fsr-3530	269	7	&	&	CCONJ
fsr-3530	269	8	messy	messy	PROPN
fsr-3530	269	9	,	,	PUNCT
fsr-3530	269	10	f.	f.	PROPN
fsr-3530	269	11	(	(	PUNCT
fsr-3530	269	12	2012	2012	NUM
fsr-3530	269	13	)	)	PUNCT
fsr-3530	269	14	.	.	PUNCT
fsr-3530	270	1	measuring	measure	VERB
fsr-3530	270	2	financial	financial	ADJ
fsr-3530	270	3	literacy	literacy	NOUN
fsr-3530	270	4	:	:	PUNCT
fsr-3530	270	5	results	result	NOUN
fsr-3530	270	6	of	of	ADP
fsr-3530	270	7	the	the	DET
fsr-3530	270	8	oecd	oecd	PROPN
fsr-3530	270	9	/	/	SYM
fsr-3530	270	10	international	international	ADJ
fsr-3530	270	11	network	network	NOUN
fsr-3530	270	12	on	on	ADP
fsr-3530	270	13	financial	financial	ADJ
fsr-3530	270	14	education	education	NOUN
fsr-3530	270	15	(	(	PUNCT
fsr-3530	270	16	infe	infe	NOUN
fsr-3530	270	17	)	)	PUNCT
fsr-3530	270	18	pilot	pilot	NOUN
fsr-3530	270	19	study	study	NOUN
fsr-3530	270	20	.	.	PUNCT
fsr-3530	271	1	oecd	oecd	PROPN
fsr-3530	271	2	working	work	VERB
fsr-3530	271	3	papers	paper	NOUN
fsr-3530	271	4	on	on	ADP
fsr-3530	271	5	finance	finance	NOUN
fsr-3530	271	6	,	,	PUNCT
fsr-3530	271	7	insurance	insurance	NOUN
fsr-3530	271	8	and	and	CCONJ
fsr-3530	271	9	private	private	ADJ
fsr-3530	271	10	pensions	pension	NOUN
fsr-3530	271	11	,	,	PUNCT
fsr-3530	271	12	no	no	INTJ
fsr-3530	271	13	.	.	NOUN
fsr-3530	271	14	15	15	NUM
fsr-3530	271	15	.	.	PUNCT
fsr-3530	272	1	oecd	oecd	PROPN
fsr-3530	272	2	publishing	publishing	NOUN
fsr-3530	272	3	.	.	PUNCT
fsr-3530	273	1	https://doi.org/10.1787/5k9csfs90fr4-en	https://doi.org/10.1787/5k9csfs90fr4-en	ADJ
fsr-3530	273	2	avital	avital	NOUN
fsr-3530	273	3	,	,	PUNCT
fsr-3530	273	4	m.	m.	NOUN
fsr-3530	273	5	,	,	PUNCT
fsr-3530	273	6	beck	beck	PROPN
fsr-3530	273	7	,	,	PUNCT
fsr-3530	273	8	r.	r.	PROPN
fsr-3530	273	9	,	,	PUNCT
fsr-3530	273	10	king	king	NOUN
fsr-3530	273	11	,	,	PUNCT
fsr-3530	273	12	j.	j.	PROPN
fsr-3530	273	13	l.	l.	PROPN
fsr-3530	273	14	,	,	PUNCT
fsr-3530	273	15	rossi	rossi	ADJ
fsr-3530	273	16	,	,	PUNCT
fsr-3530	273	17	m.	m.	NOUN
fsr-3530	273	18	,	,	PUNCT
fsr-3530	273	19	&	&	CCONJ
fsr-3530	273	20	teigland	teigland	PROPN
fsr-3530	273	21	,	,	PUNCT
fsr-3530	273	22	r.	r.	PROPN
fsr-3530	273	23	(	(	PUNCT
fsr-3530	273	24	2016	2016	NUM
fsr-3530	273	25	)	)	PUNCT
fsr-3530	273	26	.	.	PUNCT
fsr-3530	274	1	jumping	jump	VERB
fsr-3530	274	2	on	on	ADP
fsr-3530	274	3	the	the	DET
fsr-3530	274	4	blockchain	blockchain	PROPN
fsr-3530	274	5	bandwagon	bandwagon	NOUN
fsr-3530	274	6	:	:	PUNCT
fsr-3530	274	7	lessons	lesson	NOUN
fsr-3530	274	8	of	of	ADP
fsr-3530	274	9	the	the	DET
fsr-3530	274	10	past	past	NOUN
fsr-3530	274	11	and	and	CCONJ
fsr-3530	274	12	outlook	outlook	VERB
fsr-3530	274	13	to	to	ADP
fsr-3530	274	14	the	the	DET
fsr-3530	274	15	future	future	NOUN
fsr-3530	274	16	.	.	PUNCT
fsr-3530	275	1	in	in	ADP
fsr-3530	275	2	proceedings	proceeding	NOUN
fsr-3530	275	3	of	of	ADP
fsr-3530	275	4	the	the	DET
fsr-3530	275	5	thirty	thirty	NUM
fsr-3530	275	6	seventh	seventh	ADJ
fsr-3530	275	7	international	international	ADJ
fsr-3530	275	8	conference	conference	NOUN
fsr-3530	275	9	on	on	ADP
fsr-3530	275	10	information	information	NOUN
fsr-3530	275	11	systems	system	NOUN
fsr-3530	275	12	,	,	PUNCT
fsr-3530	275	13	dublin	dublin	PROPN
fsr-3530	275	14	(	(	PUNCT
fsr-3530	275	15	icis	icis	PROPN
fsr-3530	275	16	)	)	PUNCT
fsr-3530	275	17	,	,	PUNCT
fsr-3530	275	18	(	(	PUNCT
fsr-3530	275	19	pp	pp	ADV
fsr-3530	275	20	.	.	PUNCT
fsr-3530	276	1	1–6	1–6	NUM
fsr-3530	276	2	)	)	PUNCT
fsr-3530	276	3	.	.	PUNCT
fsr-3530	277	1	http://aisel.aisnet.org/cgi/viewcontent.cgi?article=1320	http://aisel.aisnet.org/cgi/viewcontent.cgi?article=1320	NOUN
fsr-3530	277	2	&	&	CCONJ
fsr-3530	277	3	context	context	PROPN
fsr-3530	277	4	=	=	PROPN
fsr-3530	277	5	icis2016	icis2016	PROPN
fsr-3530	277	6	barber	barber	PROPN
fsr-3530	277	7	,	,	PUNCT
fsr-3530	277	8	b.	b.	PROPN
fsr-3530	277	9	m.	m.	PROPN
fsr-3530	277	10	,	,	PUNCT
fsr-3530	277	11	&	&	CCONJ
fsr-3530	277	12	odean	odean	ADJ
fsr-3530	277	13	,	,	PUNCT
fsr-3530	277	14	t.	t.	PROPN
fsr-3530	277	15	(	(	PUNCT
fsr-3530	277	16	2000	2000	NUM
fsr-3530	277	17	)	)	PUNCT
fsr-3530	277	18	.	.	PUNCT
fsr-3530	278	1	trading	trading	NOUN
fsr-3530	278	2	is	be	AUX
fsr-3530	278	3	hazardous	hazardous	ADJ
fsr-3530	278	4	to	to	ADP
fsr-3530	278	5	your	your	PRON
fsr-3530	278	6	wealth	wealth	NOUN
fsr-3530	278	7	:	:	PUNCT
fsr-3530	278	8	the	the	DET
fsr-3530	278	9	common	common	ADJ
fsr-3530	278	10	stock	stock	NOUN
fsr-3530	278	11	investment	investment	NOUN
fsr-3530	278	12	performance	performance	NOUN
fsr-3530	278	13	of	of	ADP
fsr-3530	278	14	individual	individual	ADJ
fsr-3530	278	15	investors	investor	NOUN
fsr-3530	278	16	.	.	PUNCT
fsr-3530	279	1	the	the	DET
fsr-3530	279	2	journal	journal	PROPN
fsr-3530	279	3	of	of	ADP
fsr-3530	279	4	finance	finance	NOUN
fsr-3530	279	5	,	,	PUNCT
fsr-3530	279	6	55	55	NUM
fsr-3530	279	7	,	,	PUNCT
fsr-3530	279	8	773–806	773–806	NUM
fsr-3530	279	9	.	.	PUNCT
fsr-3530	280	1	https://doi.org/10.1111/0022-1082.00226	https://doi.org/10.1111/0022-1082.00226	PROPN
fsr-3530	280	2	bharadwaj	bharadwaj	PROPN
fsr-3530	280	3	,	,	PUNCT
fsr-3530	280	4	s.	s.	PROPN
fsr-3530	280	5	,	,	PUNCT
fsr-3530	280	6	&	&	CCONJ
fsr-3530	280	7	deka	deka	NOUN
fsr-3530	280	8	,	,	PUNCT
fsr-3530	280	9	s.	s.	PROPN
fsr-3530	280	10	(	(	PUNCT
fsr-3530	280	11	2021	2021	NUM
fsr-3530	280	12	)	)	PUNCT
fsr-3530	280	13	.	.	PUNCT
fsr-3530	281	1	behavioural	behavioural	ADJ
fsr-3530	281	2	intention	intention	NOUN
fsr-3530	281	3	towards	towards	ADP
fsr-3530	281	4	investment	investment	NOUN
fsr-3530	281	5	in	in	ADP
fsr-3530	281	6	cryptocurrency	cryptocurrency	NOUN
fsr-3530	281	7	:	:	PUNCT
fsr-3530	281	8	an	an	DET
fsr-3530	281	9	integration	integration	NOUN
fsr-3530	281	10	of	of	ADP
fsr-3530	281	11	rogers	roger	NOUN
fsr-3530	281	12	’	'	PUNCT
fsr-3530	281	13	diffusion	diffusion	NOUN
fsr-3530	281	14	of	of	ADP
fsr-3530	281	15	innovation	innovation	NOUN
fsr-3530	281	16	theory	theory	NOUN
fsr-3530	281	17	and	and	CCONJ
fsr-3530	281	18	the	the	DET
fsr-3530	281	19	technology	technology	NOUN
fsr-3530	281	20	acceptance	acceptance	NOUN
fsr-3530	281	21	model	model	NOUN
fsr-3530	281	22	.	.	PUNCT
fsr-3530	282	1	forum	forum	PROPN
fsr-3530	282	2	scientiae	scientiae	PROPN
fsr-3530	282	3	oeconomia	oeconomia	NOUN
fsr-3530	282	4	,	,	PUNCT
fsr-3530	282	5	9	9	NUM
fsr-3530	282	6	,	,	PUNCT
fsr-3530	282	7	137–159	137–159	NUM
fsr-3530	282	8	.	.	PUNCT
fsr-3530	283	1	bouri	bouri	PROPN
fsr-3530	283	2	,	,	PUNCT
fsr-3530	283	3	e.	e.	PROPN
fsr-3530	283	4	,	,	PUNCT
fsr-3530	283	5	gupta	gupta	PROPN
fsr-3530	283	6	,	,	PUNCT
fsr-3530	283	7	r.	r.	PROPN
fsr-3530	283	8	,	,	PUNCT
fsr-3530	283	9	&	&	CCONJ
fsr-3530	283	10	roubaud	roubaud	PROPN
fsr-3530	283	11	,	,	PUNCT
fsr-3530	283	12	d.	d.	PROPN
fsr-3530	283	13	(	(	PUNCT
fsr-3530	283	14	2019	2019	NUM
fsr-3530	283	15	)	)	PUNCT
fsr-3530	283	16	.	.	PUNCT
fsr-3530	284	1	herding	herd	VERB
fsr-3530	284	2	behaviour	behaviour	NOUN
fsr-3530	284	3	in	in	ADP
fsr-3530	284	4	cryptocurrencies	cryptocurrencie	NOUN
fsr-3530	284	5	.	.	PUNCT
fsr-3530	285	1	finance	finance	NOUN
fsr-3530	285	2	research	research	NOUN
fsr-3530	285	3	letters	letter	NOUN
fsr-3530	285	4	,	,	PUNCT
fsr-3530	285	5	29	29	NUM
fsr-3530	285	6	,	,	PUNCT
fsr-3530	285	7	216–221	216–221	NUM
fsr-3530	285	8	.	.	PUNCT
fsr-3530	286	1	https://doi.org/10.1016/j.frl.2018.07.008	https://doi.org/10.1016/j.frl.2018.07.008	PROPN
fsr-3530	286	2	chu	chu	PROPN
fsr-3530	286	3	,	,	PUNCT
fsr-3530	286	4	z.	z.	PROPN
fsr-3530	286	5	,	,	PUNCT
fsr-3530	286	6	wang	wang	PROPN
fsr-3530	286	7	,	,	PUNCT
fsr-3530	286	8	z.	z.	PROPN
fsr-3530	286	9	,	,	PUNCT
fsr-3530	286	10	xiao	xiao	PROPN
fsr-3530	286	11	,	,	PUNCT
fsr-3530	286	12	j.	j.	PROPN
fsr-3530	286	13	j.	j.	PROPN
fsr-3530	286	14	,	,	PUNCT
fsr-3530	286	15	&	&	CCONJ
fsr-3530	286	16	zhang	zhang	PROPN
fsr-3530	286	17	,	,	PUNCT
fsr-3530	286	18	w.	w.	PROPN
fsr-3530	286	19	(	(	PUNCT
fsr-3530	286	20	2017	2017	NUM
fsr-3530	286	21	)	)	PUNCT
fsr-3530	286	22	.	.	PUNCT
fsr-3530	287	1	financial	financial	ADJ
fsr-3530	287	2	literacy	literacy	NOUN
fsr-3530	287	3	,	,	PUNCT
fsr-3530	287	4	portfolio	portfolio	NOUN
fsr-3530	287	5	choice	choice	NOUN
fsr-3530	287	6	and	and	CCONJ
fsr-3530	287	7	financial	financial	ADJ
fsr-3530	287	8	well	well	ADV
fsr-3530	287	9	-	-	PUNCT
fsr-3530	287	10	being	being	NOUN
fsr-3530	287	11	.	.	PUNCT
fsr-3530	288	1	social	social	ADJ
fsr-3530	288	2	indicators	indicator	NOUN
fsr-3530	288	3	research	research	VERB
fsr-3530	288	4	,	,	PUNCT
fsr-3530	288	5	132	132	NUM
fsr-3530	288	6	,	,	PUNCT
fsr-3530	288	7	799–820	799–820	NUM
fsr-3530	288	8	.	.	PUNCT
fsr-3530	289	1	https://doi.org/10.1007/s11205-016-1309-2	https://doi.org/10.1007/s11205-016-1309-2	NUM
fsr-3530	289	2	chuen	chuen	PROPN
fsr-3530	289	3	,	,	PUNCT
fsr-3530	289	4	d.	d.	PROPN
fsr-3530	289	5	l.	l.	PROPN
fsr-3530	289	6	k.	k.	PROPN
fsr-3530	289	7	,	,	PUNCT
fsr-3530	289	8	guo	guo	PROPN
fsr-3530	289	9	,	,	PUNCT
fsr-3530	289	10	l.	l.	PROPN
fsr-3530	289	11	,	,	PUNCT
fsr-3530	289	12	&	&	CCONJ
fsr-3530	289	13	wang	wang	PROPN
fsr-3530	289	14	,	,	PUNCT
fsr-3530	289	15	y.	y.	PROPN
fsr-3530	289	16	(	(	PUNCT
fsr-3530	289	17	2017	2017	NUM
fsr-3530	289	18	)	)	PUNCT
fsr-3530	289	19	.	.	PUNCT
fsr-3530	290	1	cryptocurrency	cryptocurrency	NOUN
fsr-3530	290	2	:	:	PUNCT
fsr-3530	290	3	a	a	DET
fsr-3530	290	4	new	new	ADJ
fsr-3530	290	5	investment	investment	NOUN
fsr-3530	290	6	opportunity	opportunity	NOUN
fsr-3530	290	7	?	?	PUNCT
fsr-3530	291	1	the	the	DET
fsr-3530	291	2	journal	journal	NOUN
fsr-3530	291	3	of	of	ADP
fsr-3530	291	4	alternative	alternative	ADJ
fsr-3530	291	5	investments	investment	NOUN
fsr-3530	291	6	,	,	PUNCT
fsr-3530	291	7	20	20	NUM
fsr-3530	291	8	,	,	PUNCT
fsr-3530	291	9	16–40	16–40	NUM
fsr-3530	291	10	.	.	PUNCT
fsr-3530	292	1	https://doi.org/10.3905/jai.2018.20.3.016	https://doi.org/10.3905/jai.2018.20.3.016	PROPN
fsr-3530	292	2	coin	coin	NOUN
fsr-3530	292	3	market	market	NOUN
fsr-3530	292	4	cap	cap	NOUN
fsr-3530	292	5	.	.	PUNCT
fsr-3530	293	1	(	(	PUNCT
fsr-3530	293	2	2020	2020	NUM
fsr-3530	293	3	,	,	PUNCT
fsr-3530	293	4	march	march	PROPN
fsr-3530	293	5	2	2	NUM
fsr-3530	293	6	)	)	PUNCT
fsr-3530	293	7	.	.	PUNCT
fsr-3530	294	1	cryptocurrency	cryptocurrency	NOUN
fsr-3530	294	2	market	market	NOUN
fsr-3530	294	3	capitalization	capitalization	NOUN
fsr-3530	294	4	.	.	PUNCT
fsr-3530	295	1	available	available	ADJ
fsr-3530	295	2	at	at	ADP
fsr-3530	295	3	https://coinmarketcap	https://coinmarketcap	NOUN
fsr-3530	295	4	.	.	PUNCT
fsr-3530	296	1	com/	com/	NOUN
fsr-3530	296	2	da	da	PROPN
fsr-3530	296	3	gama	gama	PROPN
fsr-3530	296	4	silva	silva	PROPN
fsr-3530	296	5	,	,	PUNCT
fsr-3530	296	6	p.	p.	NOUN
fsr-3530	296	7	v.	v.	PROPN
fsr-3530	297	1	j.	j.	PROPN
fsr-3530	297	2	,	,	PUNCT
fsr-3530	297	3	klotzle	klotzle	PROPN
fsr-3530	297	4	,	,	PUNCT
fsr-3530	297	5	m.	m.	PROPN
fsr-3530	297	6	c.	c.	PROPN
fsr-3530	297	7	,	,	PUNCT
fsr-3530	297	8	pinto	pinto	NOUN
fsr-3530	297	9	,	,	PUNCT
fsr-3530	297	10	a.	a.	PROPN
fsr-3530	297	11	c.	c.	PROPN
fsr-3530	297	12	f.	f.	PROPN
fsr-3530	297	13	,	,	PUNCT
fsr-3530	297	14	&	&	CCONJ
fsr-3530	297	15	gomes	gomes	PROPN
fsr-3530	297	16	,	,	PUNCT
fsr-3530	297	17	l.	l.	PROPN
fsr-3530	297	18	l.	l.	PROPN
fsr-3530	297	19	(	(	PUNCT
fsr-3530	297	20	2019	2019	NUM
fsr-3530	297	21	)	)	PUNCT
fsr-3530	297	22	.	.	PUNCT
fsr-3530	298	1	herding	herd	VERB
fsr-3530	298	2	behavior	behavior	NOUN
fsr-3530	298	3	and	and	CCONJ
fsr-3530	298	4	contagion	contagion	NOUN
fsr-3530	298	5	in	in	ADP
fsr-3530	298	6	the	the	DET
fsr-3530	298	7	cryptocurrency	cryptocurrency	NOUN
fsr-3530	298	8	market	market	NOUN
fsr-3530	298	9	.	.	PUNCT
fsr-3530	299	1	journal	journal	NOUN
fsr-3530	299	2	of	of	ADP
fsr-3530	299	3	behavioral	behavioral	ADJ
fsr-3530	299	4	and	and	CCONJ
fsr-3530	299	5	experimental	experimental	ADJ
fsr-3530	299	6	finance	finance	NOUN
fsr-3530	299	7	,	,	PUNCT
fsr-3530	299	8	22	22	NUM
fsr-3530	299	9	,	,	PUNCT
fsr-3530	299	10	41–50	41–50	NOUN
fsr-3530	299	11	.	.	PUNCT
fsr-3530	300	1	https://doi.org/	https://doi.org/	VERB
fsr-3530	300	2	10.1016	10.1016	NUM
fsr-3530	300	3	/	/	SYM
fsr-3530	300	4	j.jbef.2019.01.006	j.jbef.2019.01.006	PROPN
fsr-3530	300	5	de	de	PROPN
fsr-3530	300	6	bondt	bondt	PROPN
fsr-3530	300	7	,	,	PUNCT
fsr-3530	300	8	w.	w.	PROPN
fsr-3530	300	9	f.	f.	PROPN
fsr-3530	300	10	,	,	PUNCT
fsr-3530	300	11	muradoglu	muradoglu	PROPN
fsr-3530	300	12	,	,	PUNCT
fsr-3530	300	13	y.	y.	PROPN
fsr-3530	300	14	g.	g.	PROPN
fsr-3530	300	15	,	,	PUNCT
fsr-3530	300	16	shefrin	shefrin	NOUN
fsr-3530	300	17	,	,	PUNCT
fsr-3530	300	18	h.	h.	PROPN
fsr-3530	300	19	,	,	PUNCT
fsr-3530	300	20	&	&	CCONJ
fsr-3530	300	21	staikouras	staikouras	PROPN
fsr-3530	300	22	,	,	PUNCT
fsr-3530	300	23	s.	s.	PROPN
fsr-3530	300	24	k.	k.	PROPN
fsr-3530	300	25	(	(	PUNCT
fsr-3530	300	26	2008	2008	NUM
fsr-3530	300	27	)	)	PUNCT
fsr-3530	300	28	.	.	PUNCT
fsr-3530	301	1	behavioral	behavioral	ADJ
fsr-3530	301	2	finance	finance	NOUN
fsr-3530	301	3	:	:	PUNCT
fsr-3530	301	4	quo	quo	NOUN
fsr-3530	301	5	vadis	vadis	PROPN
fsr-3530	301	6	?	?	PUNCT
fsr-3530	302	1	journal	journal	NOUN
fsr-3530	302	2	of	of	ADP
fsr-3530	302	3	applied	apply	VERB
fsr-3530	302	4	finance	finance	NOUN
fsr-3530	302	5	,	,	PUNCT
fsr-3530	302	6	18	18	NUM
fsr-3530	302	7	,	,	PUNCT
fsr-3530	302	8	7–21	7–21	PROPN
fsr-3530	302	9	.	.	PUNCT
fsr-3530	302	10	goetzmann	goetzmann	PROPN
fsr-3530	302	11	,	,	PUNCT
fsr-3530	302	12	w.	w.	PROPN
fsr-3530	302	13	n.	n.	PROPN
fsr-3530	302	14	,	,	PUNCT
fsr-3530	302	15	&	&	CCONJ
fsr-3530	302	16	kumar	kumar	PROPN
fsr-3530	302	17	,	,	PUNCT
fsr-3530	302	18	a.	a.	PROPN
fsr-3530	302	19	(	(	PUNCT
fsr-3530	302	20	2008	2008	NUM
fsr-3530	302	21	)	)	PUNCT
fsr-3530	302	22	.	.	PUNCT
fsr-3530	303	1	equity	equity	NOUN
fsr-3530	303	2	portfolio	portfolio	NOUN
fsr-3530	303	3	diversification	diversification	NOUN
fsr-3530	303	4	.	.	PUNCT
fsr-3530	304	1	review	review	NOUN
fsr-3530	304	2	of	of	ADP
fsr-3530	304	3	finance	finance	NOUN
fsr-3530	304	4	,	,	PUNCT
fsr-3530	304	5	12	12	NUM
fsr-3530	304	6	,	,	PUNCT
fsr-3530	304	7	433–463	433–463	NUM
fsr-3530	304	8	.	.	PUNCT
fsr-3530	305	1	https://doi.org/10.1093/rof/rfn005	https://doi.org/10.1093/rof/rfn005	PROPN
fsr-3530	305	2	guiso	guiso	PROPN
fsr-3530	305	3	,	,	PUNCT
fsr-3530	305	4	l.	l.	PROPN
fsr-3530	305	5	,	,	PUNCT
fsr-3530	305	6	&	&	CCONJ
fsr-3530	305	7	jappelli	jappelli	PROPN
fsr-3530	305	8	,	,	PUNCT
fsr-3530	305	9	t.	t.	PROPN
fsr-3530	305	10	(	(	PUNCT
fsr-3530	305	11	2008).financial	2008).financial	NUM
fsr-3530	305	12	literacy	literacy	NOUN
fsr-3530	305	13	and	and	CCONJ
fsr-3530	305	14	portfolio	portfolio	NOUN
fsr-3530	305	15	diversification	diversification	NOUN
fsr-3530	305	16	.	.	PUNCT
fsr-3530	306	1	european	european	PROPN
fsr-3530	306	2	university	university	PROPN
fsr-3530	306	3	institute	institute	PROPN
fsr-3530	306	4	working	working	PROPN
fsr-3530	306	5	paper	paper	PROPN
fsr-3530	306	6	eco	eco	PROPN
fsr-3530	306	7	2008/31	2008/31	PROPN
fsr-3530	306	8	.	.	PUNCT
fsr-3530	306	9	available	available	ADJ
fsr-3530	306	10	at	at	ADP
fsr-3530	306	11	:	:	PUNCT
fsr-3530	306	12	http://cadmus.eui.eu/handle/1814/9811	http://cadmus.eui.eu/handle/1814/9811	PROPN
fsr-3530	306	13	.	.	PUNCT
fsr-3530	307	1	gupta	gupta	PROPN
fsr-3530	307	2	,	,	PUNCT
fsr-3530	307	3	s.	s.	PROPN
fsr-3530	307	4	,	,	PUNCT
fsr-3530	307	5	gupta	gupta	PROPN
fsr-3530	307	6	,	,	PUNCT
fsr-3530	307	7	s.	s.	PROPN
fsr-3530	307	8	,	,	PUNCT
fsr-3530	307	9	mathew	mathew	PROPN
fsr-3530	307	10	,	,	PUNCT
fsr-3530	307	11	m.	m.	NOUN
fsr-3530	307	12	,	,	PUNCT
fsr-3530	307	13	&	&	CCONJ
fsr-3530	307	14	sama	sama	PROPN
fsr-3530	307	15	,	,	PUNCT
fsr-3530	307	16	h.	h.	PROPN
fsr-3530	307	17	r.	r.	PROPN
fsr-3530	307	18	(	(	PUNCT
fsr-3530	307	19	2021	2021	NUM
fsr-3530	307	20	)	)	PUNCT
fsr-3530	307	21	.	.	PUNCT
fsr-3530	308	1	prioritizing	prioritize	VERB
fsr-3530	308	2	intentions	intention	NOUN
fsr-3530	308	3	behind	behind	ADP
fsr-3530	308	4	investment	investment	NOUN
fsr-3530	308	5	in	in	ADP
fsr-3530	308	6	cryptocurrency	cryptocurrency	NOUN
fsr-3530	308	7	:	:	PUNCT
fsr-3530	308	8	a	a	DET
fsr-3530	308	9	fuzzy	fuzzy	ADJ
fsr-3530	308	10	analytical	analytical	ADJ
fsr-3530	308	11	framework	framework	NOUN
fsr-3530	308	12	.	.	PUNCT
fsr-3530	309	1	journal	journal	NOUN
fsr-3530	309	2	of	of	ADP
fsr-3530	309	3	economic	economic	ADJ
fsr-3530	309	4	studies	study	NOUN
fsr-3530	309	5	,	,	PUNCT
fsr-3530	309	6	48	48	NUM
fsr-3530	309	7	,	,	PUNCT
fsr-3530	309	8	1442–1459	1442–1459	NUM
fsr-3530	309	9	.	.	PUNCT
fsr-3530	310	1	https://doi.org/10.1108/	https://doi.org/10.1108/	PROPN
fsr-3530	310	2	jes-06	jes-06	PROPN
fsr-3530	310	3	-	-	PUNCT
fsr-3530	310	4	2020	2020	NUM
fsr-3530	310	5	-	-	PUNCT
fsr-3530	310	6	0285	0285	NUM
fsr-3530	310	7	hasso	hasso	PROPN
fsr-3530	310	8	,	,	PUNCT
fsr-3530	310	9	t.	t.	PROPN
fsr-3530	310	10	,	,	PUNCT
fsr-3530	310	11	pelster	pelster	NOUN
fsr-3530	310	12	,	,	PUNCT
fsr-3530	310	13	m.	m.	NOUN
fsr-3530	310	14	,	,	PUNCT
fsr-3530	310	15	&	&	CCONJ
fsr-3530	310	16	breitmayer	breitmayer	PROPN
fsr-3530	310	17	,	,	PUNCT
fsr-3530	310	18	b.	b.	PROPN
fsr-3530	310	19	(	(	PUNCT
fsr-3530	310	20	2019	2019	NUM
fsr-3530	310	21	)	)	PUNCT
fsr-3530	310	22	.	.	PUNCT
fsr-3530	311	1	who	who	PRON
fsr-3530	311	2	trades	trade	VERB
fsr-3530	311	3	cryptocurrencies	cryptocurrencie	NOUN
fsr-3530	311	4	,	,	PUNCT
fsr-3530	311	5	how	how	SCONJ
fsr-3530	311	6	do	do	AUX
fsr-3530	311	7	they	they	PRON
fsr-3530	311	8	trade	trade	VERB
fsr-3530	311	9	it	it	PRON
fsr-3530	311	10	,	,	PUNCT
fsr-3530	311	11	and	and	CCONJ
fsr-3530	311	12	how	how	SCONJ
fsr-3530	311	13	do	do	AUX
fsr-3530	311	14	they	they	PRON
fsr-3530	311	15	perform	perform	VERB
fsr-3530	311	16	?	?	PUNCT
fsr-3530	312	1	evidence	evidence	NOUN
fsr-3530	312	2	from	from	ADP
fsr-3530	312	3	brokerage	brokerage	NOUN
fsr-3530	312	4	accounts	account	NOUN
fsr-3530	312	5	.	.	PUNCT
fsr-3530	313	1	journal	journal	NOUN
fsr-3530	313	2	of	of	ADP
fsr-3530	313	3	behavioral	behavioral	ADJ
fsr-3530	313	4	and	and	CCONJ
fsr-3530	313	5	experimental	experimental	ADJ
fsr-3530	313	6	finance	finance	NOUN
fsr-3530	313	7	,	,	PUNCT
fsr-3530	313	8	23	23	NUM
fsr-3530	313	9	,	,	PUNCT
fsr-3530	313	10	64	64	NUM
fsr-3530	313	11	–	–	SYM
fsr-3530	313	12	74	74	NUM
fsr-3530	313	13	.	.	PUNCT
fsr-3530	314	1	https://doi.org/10.1016/j.jbef.2019.04.009	https://doi.org/10.1016/j.jbef.2019.04.009	PROPN
fsr-3530	314	2	henry	henry	PROPN
fsr-3530	314	3	,	,	PUNCT
fsr-3530	314	4	c.	c.	PROPN
fsr-3530	314	5	s.	s.	PROPN
fsr-3530	314	6	,	,	PUNCT
fsr-3530	314	7	huynh	huynh	PROPN
fsr-3530	314	8	,	,	PUNCT
fsr-3530	314	9	k.	k.	PROPN
fsr-3530	314	10	p.	p.	PROPN
fsr-3530	314	11	,	,	PUNCT
fsr-3530	314	12	&	&	CCONJ
fsr-3530	314	13	nicholls	nicholls	PROPN
fsr-3530	314	14	,	,	PUNCT
fsr-3530	314	15	g.	g.	PROPN
fsr-3530	314	16	(	(	PUNCT
fsr-3530	314	17	2018	2018	NUM
fsr-3530	314	18	)	)	PUNCT
fsr-3530	314	19	.	.	PUNCT
fsr-3530	315	1	bitcoin	bitcoin	NOUN
fsr-3530	315	2	awareness	awareness	NOUN
fsr-3530	315	3	and	and	CCONJ
fsr-3530	315	4	usage	usage	NOUN
fsr-3530	315	5	in	in	ADP
fsr-3530	315	6	canada	canada	PROPN
fsr-3530	315	7	.	.	PUNCT
fsr-3530	316	1	journal	journal	PROPN
fsr-3530	316	2	of	of	ADP
fsr-3530	316	3	digital	digital	PROPN
fsr-3530	316	4	banking	banking	NOUN
fsr-3530	316	5	,	,	PUNCT
fsr-3530	316	6	2	2	NUM
fsr-3530	316	7	,	,	PUNCT
fsr-3530	316	8	311–337	311–337	NUM
fsr-3530	316	9	.	.	PUNCT
fsr-3530	317	1	ibrahim	ibrahim	PROPN
fsr-3530	317	2	,	,	PUNCT
fsr-3530	317	3	m.	m.	NOUN
fsr-3530	317	4	(	(	PUNCT
fsr-3530	317	5	2009	2009	NUM
fsr-3530	317	6	)	)	PUNCT
fsr-3530	317	7	.	.	PUNCT
fsr-3530	318	1	theory	theory	NOUN
fsr-3530	318	2	of	of	ADP
fsr-3530	318	3	bounded	bounded	ADJ
fsr-3530	318	4	rationality	rationality	NOUN
fsr-3530	318	5	.	.	PUNCT
fsr-3530	319	1	public	public	ADJ
fsr-3530	319	2	management	management	NOUN
fsr-3530	319	3	,	,	PUNCT
fsr-3530	319	4	91	91	NUM
fsr-3530	319	5	,	,	PUNCT
fsr-3530	319	6	3–5	3–5	NUM
fsr-3530	319	7	.	.	PUNCT
fsr-3530	320	1	kim	kim	PROPN
fsr-3530	320	2	,	,	PUNCT
fsr-3530	320	3	k.	k.	PROPN
fsr-3530	320	4	t.	t.	PROPN
fsr-3530	320	5	,	,	PUNCT
fsr-3530	320	6	lee	lee	PROPN
fsr-3530	320	7	,	,	PUNCT
fsr-3530	320	8	j.	j.	PROPN
fsr-3530	320	9	,	,	PUNCT
fsr-3530	320	10	&	&	CCONJ
fsr-3530	320	11	hanna	hanna	PROPN
fsr-3530	320	12	,	,	PUNCT
fsr-3530	320	13	s.	s.	PROPN
fsr-3530	320	14	d.	d.	PROPN
fsr-3530	320	15	(	(	PUNCT
fsr-3530	320	16	2020	2020	NUM
fsr-3530	320	17	)	)	PUNCT
fsr-3530	320	18	.	.	PUNCT
fsr-3530	321	1	the	the	DET
fsr-3530	321	2	effects	effect	NOUN
fsr-3530	321	3	of	of	ADP
fsr-3530	321	4	financial	financial	ADJ
fsr-3530	321	5	literacy	literacy	NOUN
fsr-3530	321	6	overconfidence	overconfidence	NOUN
fsr-3530	321	7	on	on	ADP
fsr-3530	321	8	the	the	DET
fsr-3530	321	9	mortgage	mortgage	NOUN
fsr-3530	321	10	delinquency	delinquency	NOUN
fsr-3530	321	11	of	of	ADP
fsr-3530	321	12	us	us	PROPN
fsr-3530	321	13	households	household	NOUN
fsr-3530	321	14	.	.	PUNCT
fsr-3530	322	1	journal	journal	NOUN
fsr-3530	322	2	of	of	ADP
fsr-3530	322	3	consumer	consumer	NOUN
fsr-3530	322	4	affairs	affair	NOUN
fsr-3530	322	5	,	,	PUNCT
fsr-3530	322	6	54	54	NUM
fsr-3530	322	7	,	,	PUNCT
fsr-3530	322	8	517–540	517–540	NUM
fsr-3530	322	9	.	.	PUNCT
fsr-3530	323	1	https://doi.org/10.1111/joca.12287	https://doi.org/10.1111/joca.12287	PROPN
fsr-3530	323	2	k.	k.	PROPN
fsr-3530	324	1	t.	t.	PROPN
fsr-3530	324	2	kim	kim	PROPN
fsr-3530	324	3	et	et	PROPN
fsr-3530	324	4	al	al	PROPN
fsr-3530	324	5	.	.	PUNCT
fsr-3530	324	6	/	/	SYM
fsr-3530	324	7	financial	financial	ADJ
fsr-3530	324	8	services	service	NOUN
fsr-3530	324	9	review	review	VERB
fsr-3530	324	10	31	31	NUM
fsr-3530	324	11	(	(	PUNCT
fsr-3530	324	12	2023	2023	NUM
fsr-3530	324	13	)	)	PUNCT
fsr-3530	324	14	121–132	121–132	NUM
fsr-3530	324	15	131	131	NUM
fsr-3530	324	16	kimball	kimball	PROPN
fsr-3530	324	17	,	,	PUNCT
fsr-3530	324	18	m.	m.	NOUN
fsr-3530	324	19	,	,	PUNCT
fsr-3530	324	20	&	&	CCONJ
fsr-3530	324	21	shumway	shumway	PROPN
fsr-3530	324	22	,	,	PUNCT
fsr-3530	324	23	t.	t.	PROPN
fsr-3530	324	24	(	(	PUNCT
fsr-3530	324	25	2006	2006	NUM
fsr-3530	324	26	)	)	PUNCT
fsr-3530	324	27	.	.	PUNCT
fsr-3530	325	1	investor	investor	NOUN
fsr-3530	325	2	sophistication	sophistication	NOUN
fsr-3530	325	3	,	,	PUNCT
fsr-3530	325	4	and	and	CCONJ
fsr-3530	325	5	the	the	DET
fsr-3530	325	6	participation	participation	NOUN
fsr-3530	325	7	,	,	PUNCT
fsr-3530	325	8	home	home	NOUN
fsr-3530	325	9	bias	bias	NOUN
fsr-3530	325	10	,	,	PUNCT
fsr-3530	325	11	diversification	diversification	NOUN
fsr-3530	325	12	,	,	PUNCT
fsr-3530	325	13	and	and	CCONJ
fsr-3530	325	14	employer	employer	NOUN
fsr-3530	325	15	stock	stock	NOUN
fsr-3530	325	16	puzzles	puzzle	NOUN
fsr-3530	325	17	,	,	PUNCT
fsr-3530	325	18	mimeo	mimeo	PROPN
fsr-3530	325	19	(	(	PUNCT
fsr-3530	325	20	unpublished	unpublished	ADJ
fsr-3530	325	21	manuscript	manuscript	NOUN
fsr-3530	325	22	)	)	PUNCT
fsr-3530	325	23	,	,	PUNCT
fsr-3530	325	24	ann	ann	PROPN
fsr-3530	325	25	arbor	arbor	PROPN
fsr-3530	325	26	,	,	PUNCT
fsr-3530	325	27	mi	mi	PROPN
fsr-3530	325	28	:	:	PUNCT
fsr-3530	325	29	university	university	PROPN
fsr-3530	325	30	of	of	ADP
fsr-3530	325	31	michigan	michigan	PROPN
fsr-3530	325	32	.	.	PUNCT
fsr-3530	326	1	liang	liang	PROPN
fsr-3530	326	2	,	,	PUNCT
fsr-3530	326	3	j.	j.	PROPN
fsr-3530	326	4	,	,	PUNCT
fsr-3530	326	5	li	li	PROPN
fsr-3530	326	6	,	,	PUNCT
fsr-3530	326	7	l.	l.	PROPN
fsr-3530	326	8	,	,	PUNCT
fsr-3530	326	9	chen	chen	PROPN
fsr-3530	326	10	,	,	PUNCT
fsr-3530	326	11	w.	w.	PROPN
fsr-3530	326	12	,	,	PUNCT
fsr-3530	326	13	&	&	CCONJ
fsr-3530	326	14	zeng	zeng	PROPN
fsr-3530	326	15	,	,	PUNCT
fsr-3530	326	16	d.	d.	PROPN
fsr-3530	326	17	(	(	PUNCT
fsr-3530	326	18	2019	2019	NUM
fsr-3530	326	19	)	)	PUNCT
fsr-3530	326	20	.	.	PUNCT
fsr-3530	327	1	towards	towards	ADP
fsr-3530	327	2	an	an	DET
fsr-3530	327	3	understanding	understanding	NOUN
fsr-3530	327	4	of	of	ADP
fsr-3530	327	5	cryptocurrency	cryptocurrency	NOUN
fsr-3530	327	6	:	:	PUNCT
fsr-3530	327	7	a	a	DET
fsr-3530	327	8	comparative	comparative	ADJ
fsr-3530	327	9	analysis	analysis	NOUN
fsr-3530	327	10	of	of	ADP
fsr-3530	327	11	cryptocurrency	cryptocurrency	NOUN
fsr-3530	327	12	,	,	PUNCT
fsr-3530	327	13	foreign	foreign	ADJ
fsr-3530	327	14	exchange	exchange	NOUN
fsr-3530	327	15	,	,	PUNCT
fsr-3530	327	16	and	and	CCONJ
fsr-3530	327	17	stock	stock	NOUN
fsr-3530	327	18	.	.	PUNCT
fsr-3530	328	1	in	in	ADP
fsr-3530	328	2	2019	2019	NUM
fsr-3530	328	3	ieee	ieee	NOUN
fsr-3530	328	4	international	international	ADJ
fsr-3530	328	5	conference	conference	NOUN
fsr-3530	328	6	on	on	ADP
fsr-3530	328	7	intelligence	intelligence	NOUN
fsr-3530	328	8	and	and	CCONJ
fsr-3530	328	9	security	security	NOUN
fsr-3530	328	10	informatics	informatic	NOUN
fsr-3530	328	11	(	(	PUNCT
fsr-3530	328	12	isi	isi	PROPN
fsr-3530	328	13	)	)	PUNCT
fsr-3530	328	14	(	(	PUNCT
fsr-3530	328	15	pp	pp	ADP
fsr-3530	328	16	.	.	PUNCT
fsr-3530	329	1	137–139	137–139	NUM
fsr-3530	329	2	)	)	PUNCT
fsr-3530	329	3	.	.	PUNCT
fsr-3530	330	1	ieee	ieee	PROPN
fsr-3530	330	2	.	.	PUNCT
fsr-3530	331	1	https://doi.org/10.1109/isi.2019.8823373	https://doi.org/10.1109/isi.2019.8823373	NOUN
fsr-3530	331	2	lusardi	lusardi	PROPN
fsr-3530	331	3	,	,	PUNCT
fsr-3530	331	4	a.	a.	PROPN
fsr-3530	331	5	,	,	PUNCT
fsr-3530	331	6	&	&	CCONJ
fsr-3530	331	7	mitchell	mitchell	PROPN
fsr-3530	331	8	,	,	PUNCT
fsr-3530	331	9	o.	o.	PROPN
fsr-3530	331	10	s.	s.	PROPN
fsr-3530	331	11	(	(	PUNCT
fsr-3530	331	12	2007	2007	NUM
fsr-3530	331	13	)	)	PUNCT
fsr-3530	331	14	.	.	PUNCT
fsr-3530	332	1	baby	baby	NOUN
fsr-3530	332	2	boomer	boomer	PROPN
fsr-3530	332	3	retirement	retirement	PROPN
fsr-3530	332	4	security	security	PROPN
fsr-3530	332	5	:	:	PUNCT
fsr-3530	332	6	the	the	DET
fsr-3530	332	7	role	role	NOUN
fsr-3530	332	8	of	of	ADP
fsr-3530	332	9	planning	planning	NOUN
fsr-3530	332	10	,	,	PUNCT
fsr-3530	332	11	financial	financial	ADJ
fsr-3530	332	12	literacy	literacy	NOUN
fsr-3530	332	13	,	,	PUNCT
fsr-3530	332	14	and	and	CCONJ
fsr-3530	332	15	housing	housing	NOUN
fsr-3530	332	16	wealth	wealth	NOUN
fsr-3530	332	17	.	.	PUNCT
fsr-3530	333	1	journal	journal	PROPN
fsr-3530	333	2	of	of	ADP
fsr-3530	333	3	monetary	monetary	ADJ
fsr-3530	333	4	economics	economic	NOUN
fsr-3530	333	5	,	,	PUNCT
fsr-3530	333	6	54	54	NUM
fsr-3530	333	7	,	,	PUNCT
fsr-3530	333	8	205–224	205–224	NUM
fsr-3530	333	9	.	.	PUNCT
fsr-3530	334	1	https://doi.org/10.1016/j.jmoneco.2006.12.001	https://doi.org/10.1016/j.jmoneco.2006.12.001	PROPN
fsr-3530	334	2	lusardi	lusardi	PROPN
fsr-3530	334	3	,	,	PUNCT
fsr-3530	334	4	a.	a.	PROPN
fsr-3530	334	5	,	,	PUNCT
fsr-3530	334	6	&	&	CCONJ
fsr-3530	334	7	mitchell	mitchell	PROPN
fsr-3530	334	8	,	,	PUNCT
fsr-3530	334	9	o.	o.	PROPN
fsr-3530	334	10	s.	s.	PROPN
fsr-3530	334	11	(	(	PUNCT
fsr-3530	334	12	2014	2014	NUM
fsr-3530	334	13	)	)	PUNCT
fsr-3530	334	14	.	.	PUNCT
fsr-3530	335	1	the	the	DET
fsr-3530	335	2	economic	economic	ADJ
fsr-3530	335	3	importance	importance	NOUN
fsr-3530	335	4	of	of	ADP
fsr-3530	335	5	financial	financial	ADJ
fsr-3530	335	6	literacy	literacy	NOUN
fsr-3530	335	7	:	:	PUNCT
fsr-3530	335	8	theory	theory	NOUN
fsr-3530	335	9	and	and	CCONJ
fsr-3530	335	10	evidence	evidence	NOUN
fsr-3530	335	11	.	.	PUNCT
fsr-3530	336	1	journal	journal	NOUN
fsr-3530	336	2	of	of	ADP
fsr-3530	336	3	economic	economic	ADJ
fsr-3530	336	4	literature	literature	NOUN
fsr-3530	336	5	,	,	PUNCT
fsr-3530	336	6	52	52	NUM
fsr-3530	336	7	,	,	PUNCT
fsr-3530	336	8	5–44	5–44	PROPN
fsr-3530	336	9	.	.	PROPN
fsr-3530	336	10	https://doi.org/10.1257/jel.52.1.5	https://doi.org/10.1257/jel.52.1.5	PROPN
fsr-3530	336	11	lusardi	lusardi	PROPN
fsr-3530	336	12	,	,	PUNCT
fsr-3530	336	13	a.	a.	PROPN
fsr-3530	336	14	,	,	PUNCT
fsr-3530	336	15	&	&	CCONJ
fsr-3530	336	16	mitchell	mitchell	PROPN
fsr-3530	336	17	,	,	PUNCT
fsr-3530	336	18	o.	o.	PROPN
fsr-3530	336	19	s.	s.	PROPN
fsr-3530	336	20	(	(	PUNCT
fsr-3530	336	21	2017	2017	NUM
fsr-3530	336	22	)	)	PUNCT
fsr-3530	336	23	.	.	PUNCT
fsr-3530	337	1	how	how	SCONJ
fsr-3530	337	2	ordinary	ordinary	ADJ
fsr-3530	337	3	consumers	consumer	NOUN
fsr-3530	337	4	make	make	VERB
fsr-3530	337	5	complex	complex	ADJ
fsr-3530	337	6	economic	economic	ADJ
fsr-3530	337	7	decisions	decision	NOUN
fsr-3530	337	8	:	:	PUNCT
fsr-3530	337	9	financial	financial	ADJ
fsr-3530	337	10	literacy	literacy	NOUN
fsr-3530	337	11	and	and	CCONJ
fsr-3530	337	12	retirement	retirement	NOUN
fsr-3530	337	13	readiness	readiness	NOUN
fsr-3530	337	14	.	.	PUNCT
fsr-3530	338	1	quarterly	quarterly	ADJ
fsr-3530	338	2	journal	journal	NOUN
fsr-3530	338	3	of	of	ADP
fsr-3530	338	4	finance	finance	NOUN
fsr-3530	338	5	,	,	PUNCT
fsr-3530	338	6	07	07	NUM
fsr-3530	338	7	,	,	PUNCT
fsr-3530	338	8	1750008–1750031	1750008–1750031	NUM
fsr-3530	338	9	.	.	PUNCT
fsr-3530	339	1	https://	https://	PROPN
fsr-3530	339	2	doi.org/10.1142/s2010139217500082	doi.org/10.1142/s2010139217500082	PROPN
fsr-3530	339	3	nakamoto	nakamoto	NOUN
fsr-3530	339	4	,	,	PUNCT
fsr-3530	339	5	s.	s.	PROPN
fsr-3530	339	6	(	(	PUNCT
fsr-3530	339	7	2008	2008	NUM
fsr-3530	339	8	)	)	PUNCT
fsr-3530	339	9	.	.	PUNCT
fsr-3530	340	1	bitcoin	bitcoin	NOUN
fsr-3530	340	2	:	:	PUNCT
fsr-3530	340	3	a	a	DET
fsr-3530	340	4	peer	peer	NOUN
fsr-3530	340	5	-	-	PUNCT
fsr-3530	340	6	to	to	ADP
fsr-3530	340	7	-	-	PUNCT
fsr-3530	340	8	peer	peer	NOUN
fsr-3530	340	9	electronic	electronic	ADJ
fsr-3530	340	10	cash	cash	NOUN
fsr-3530	340	11	system	system	NOUN
fsr-3530	340	12	.	.	PUNCT
fsr-3530	341	1	available	available	ADJ
fsr-3530	341	2	at	at	ADP
fsr-3530	341	3	https://bitcoin.org/bitcoin.pdf	https://bitcoin.org/bitcoin.pdf	ADJ
fsr-3530	341	4	robb	robb	PROPN
fsr-3530	341	5	,	,	PUNCT
fsr-3530	341	6	c.	c.	PROPN
fsr-3530	341	7	a.	a.	PROPN
fsr-3530	341	8	,	,	PUNCT
fsr-3530	341	9	babiarz	babiarz	PROPN
fsr-3530	341	10	,	,	PUNCT
fsr-3530	341	11	p.	p.	PROPN
fsr-3530	341	12	,	,	PUNCT
fsr-3530	341	13	woodyard	woodyard	PROPN
fsr-3530	341	14	,	,	PUNCT
fsr-3530	341	15	a.	a.	PROPN
fsr-3530	341	16	,	,	PUNCT
fsr-3530	341	17	&	&	CCONJ
fsr-3530	341	18	seay	seay	ADJ
fsr-3530	341	19	,	,	PUNCT
fsr-3530	341	20	m.	m.	NOUN
fsr-3530	341	21	c.	c.	PROPN
fsr-3530	341	22	(	(	PUNCT
fsr-3530	341	23	2015	2015	NUM
fsr-3530	341	24	)	)	PUNCT
fsr-3530	341	25	.	.	PUNCT
fsr-3530	342	1	bounded	bound	VERB
fsr-3530	342	2	rationality	rationality	NOUN
fsr-3530	342	3	and	and	CCONJ
fsr-3530	342	4	use	use	NOUN
fsr-3530	342	5	of	of	ADP
fsr-3530	342	6	alternative	alternative	ADJ
fsr-3530	342	7	financial	financial	ADJ
fsr-3530	342	8	services	service	NOUN
fsr-3530	342	9	.	.	PUNCT
fsr-3530	343	1	journal	journal	NOUN
fsr-3530	343	2	of	of	ADP
fsr-3530	343	3	consumer	consumer	NOUN
fsr-3530	343	4	affairs	affair	NOUN
fsr-3530	343	5	,	,	PUNCT
fsr-3530	343	6	49	49	NUM
fsr-3530	343	7	,	,	PUNCT
fsr-3530	343	8	407–435	407–435	NUM
fsr-3530	343	9	.	.	PUNCT
fsr-3530	344	1	https://doi.org/10.1111/joca.12071	https://doi.org/10.1111/joca.12071	PROPN
fsr-3530	344	2	seay	seay	PROPN
fsr-3530	344	3	,	,	PUNCT
fsr-3530	344	4	m.	m.	PROPN
fsr-3530	344	5	c.	c.	PROPN
fsr-3530	344	6	,	,	PUNCT
fsr-3530	344	7	preece	preece	PROPN
fsr-3530	344	8	,	,	PUNCT
fsr-3530	344	9	g.	g.	PROPN
fsr-3530	344	10	l.	l.	PROPN
fsr-3530	344	11	,	,	PUNCT
fsr-3530	344	12	&	&	CCONJ
fsr-3530	344	13	le	le	PROPN
fsr-3530	344	14	,	,	PUNCT
fsr-3530	344	15	v.	v.	ADP
fsr-3530	344	16	c.	c.	PROPN
fsr-3530	344	17	(	(	PUNCT
fsr-3530	344	18	2017	2017	NUM
fsr-3530	344	19	)	)	PUNCT
fsr-3530	344	20	.	.	PUNCT
fsr-3530	345	1	financial	financial	ADJ
fsr-3530	345	2	literacy	literacy	NOUN
fsr-3530	345	3	and	and	CCONJ
fsr-3530	345	4	the	the	DET
fsr-3530	345	5	use	use	NOUN
fsr-3530	345	6	of	of	ADP
fsr-3530	345	7	interest	interest	NOUN
fsr-3530	345	8	-	-	PUNCT
fsr-3530	345	9	only	only	ADJ
fsr-3530	345	10	mortgages	mortgage	NOUN
fsr-3530	345	11	.	.	PUNCT
fsr-3530	346	1	journal	journal	NOUN
fsr-3530	346	2	of	of	ADP
fsr-3530	346	3	financial	financial	ADJ
fsr-3530	346	4	counseling	counseling	NOUN
fsr-3530	346	5	and	and	CCONJ
fsr-3530	346	6	planning	planning	NOUN
fsr-3530	346	7	,	,	PUNCT
fsr-3530	346	8	28	28	NUM
fsr-3530	346	9	,	,	PUNCT
fsr-3530	346	10	168–180	168–180	NUM
fsr-3530	346	11	.	.	PUNCT
fsr-3530	347	1	https://doi.org/10.1891/1052-3073.28.2.168	https://doi.org/10.1891/1052-3073.28.2.168	PROPN
fsr-3530	347	2	shin	shin	PROPN
fsr-3530	347	3	,	,	PUNCT
fsr-3530	347	4	s.	s.	PROPN
fsr-3530	347	5	,	,	PUNCT
fsr-3530	347	6	kim	kim	PROPN
fsr-3530	347	7	,	,	PUNCT
fsr-3530	347	8	k.	k.	PROPN
fsr-3530	347	9	t.	t.	PROPN
fsr-3530	347	10	,	,	PUNCT
fsr-3530	347	11	&	&	CCONJ
fsr-3530	347	12	seay	seay	PROPN
fsr-3530	347	13	,	,	PUNCT
fsr-3530	347	14	m.	m.	NOUN
fsr-3530	347	15	(	(	PUNCT
fsr-3530	347	16	2020	2020	NUM
fsr-3530	347	17	)	)	PUNCT
fsr-3530	347	18	.	.	PUNCT
fsr-3530	348	1	source	source	NOUN
fsr-3530	348	2	of	of	ADP
fsr-3530	348	3	information	information	NOUN
fsr-3530	348	4	and	and	CCONJ
fsr-3530	348	5	selection	selection	NOUN
fsr-3530	348	6	of	of	ADP
fsr-3530	348	7	financial	financial	ADJ
fsr-3530	348	8	instruments	instrument	NOUN
fsr-3530	348	9	.	.	PUNCT
fsr-3530	349	1	journal	journal	NOUN
fsr-3530	349	2	of	of	ADP
fsr-3530	349	3	economic	economic	ADJ
fsr-3530	349	4	psychology	psychology	NOUN
fsr-3530	349	5	,	,	PUNCT
fsr-3530	349	6	76	76	NUM
fsr-3530	349	7	,	,	PUNCT
fsr-3530	349	8	102212	102212	NUM
fsr-3530	349	9	.	.	PUNCT
fsr-3530	350	1	https://doi.org/10.1016/j.joep.2019.102212	https://doi.org/10.1016/j.joep.2019.102212	ADJ
fsr-3530	350	2	simon	simon	PROPN
fsr-3530	350	3	,	,	PUNCT
fsr-3530	350	4	h.	h.	PROPN
fsr-3530	350	5	a.	a.	PROPN
fsr-3530	350	6	(	(	PUNCT
fsr-3530	350	7	2000	2000	NUM
fsr-3530	350	8	)	)	PUNCT
fsr-3530	350	9	.	.	PUNCT
fsr-3530	351	1	bounded	bound	VERB
fsr-3530	351	2	rationality	rationality	NOUN
fsr-3530	351	3	in	in	ADP
fsr-3530	351	4	social	social	ADJ
fsr-3530	351	5	science	science	NOUN
fsr-3530	351	6	:	:	PUNCT
fsr-3530	351	7	today	today	NOUN
fsr-3530	351	8	and	and	CCONJ
fsr-3530	351	9	tomorrow	tomorrow	NOUN
fsr-3530	351	10	.	.	PUNCT
fsr-3530	352	1	mind	mind	PROPN
fsr-3530	352	2	&	&	CCONJ
fsr-3530	352	3	society	society	PROPN
fsr-3530	352	4	,	,	PUNCT
fsr-3530	352	5	1	1	NUM
fsr-3530	352	6	,	,	PUNCT
fsr-3530	352	7	25–39	25–39	NUM
fsr-3530	352	8	.	.	PUNCT
fsr-3530	353	1	https://doi.org/10.1007/bf02512227	https://doi.org/10.1007/bf02512227	PROPN
fsr-3530	353	2	siriopoulos	siriopoulos	PROPN
fsr-3530	353	3	,	,	PUNCT
fsr-3530	353	4	c.	c.	PROPN
fsr-3530	353	5	(	(	PUNCT
fsr-3530	353	6	2021	2021	NUM
fsr-3530	353	7	)	)	PUNCT
fsr-3530	353	8	.	.	PUNCT
fsr-3530	354	1	financial	financial	ADJ
fsr-3530	354	2	markets	market	NOUN
fsr-3530	354	3	are	be	AUX
fsr-3530	354	4	not	not	PART
fsr-3530	354	5	efficient	efficient	ADJ
fsr-3530	354	6	:	:	PUNCT
fsr-3530	354	7	financial	financial	ADJ
fsr-3530	354	8	literacy	literacy	NOUN
fsr-3530	354	9	as	as	ADP
fsr-3530	354	10	an	an	DET
fsr-3530	354	11	effective	effective	ADJ
fsr-3530	354	12	risk	risk	NOUN
fsr-3530	354	13	management	management	NOUN
fsr-3530	354	14	tool	tool	NOUN
fsr-3530	354	15	.	.	PUNCT
fsr-3530	355	1	international	international	ADJ
fsr-3530	355	2	journal	journal	PROPN
fsr-3530	355	3	of	of	ADP
fsr-3530	355	4	business	business	NOUN
fsr-3530	355	5	and	and	CCONJ
fsr-3530	355	6	management	management	NOUN
fsr-3530	355	7	research	research	NOUN
fsr-3530	355	8	,	,	PUNCT
fsr-3530	355	9	9	9	NUM
fsr-3530	355	10	,	,	PUNCT
fsr-3530	355	11	65–73	65–73	NUM
fsr-3530	355	12	.	.	PUNCT
fsr-3530	356	1	https://doi.org/10.37391/ijbmr.090110	https://doi.org/10.37391/ijbmr.090110	PROPN
fsr-3530	356	2	sorkin	sorkin	PROPN
fsr-3530	356	3	,	,	PUNCT
fsr-3530	356	4	a.	a.	PROPN
fsr-3530	356	5	r.	r.	PROPN
fsr-3530	356	6	(	(	PUNCT
fsr-3530	356	7	2021	2021	NUM
fsr-3530	356	8	,	,	PUNCT
fsr-3530	356	9	march	march	PROPN
fsr-3530	356	10	10	10	NUM
fsr-3530	356	11	)	)	PUNCT
fsr-3530	356	12	.	.	PUNCT
fsr-3530	357	1	it	it	PRON
fsr-3530	357	2	’s	’	VERB
fsr-3530	357	3	not	not	PART
fsr-3530	357	4	just	just	ADV
fsr-3530	357	5	bitcoin	bitcoin	ADJ
fsr-3530	357	6	that	that	PRON
fsr-3530	357	7	’s	’	VERB
fsr-3530	357	8	huge	huge	ADJ
fsr-3530	357	9	.	.	PUNCT
fsr-3530	358	1	so	so	ADV
fsr-3530	358	2	is	be	AUX
fsr-3530	358	3	its	its	PRON
fsr-3530	358	4	carbon	carbon	NOUN
fsr-3530	358	5	footprint	footprint	NOUN
fsr-3530	358	6	.	.	PUNCT
fsr-3530	359	1	new	new	PROPN
fsr-3530	359	2	york	york	PROPN
fsr-3530	359	3	times	times	PROPN
fsr-3530	359	4	.	.	PUNCT
fsr-3530	360	1	tasca	tasca	PROPN
fsr-3530	360	2	,	,	PUNCT
fsr-3530	360	3	p.	p.	PROPN
fsr-3530	360	4	,	,	PUNCT
fsr-3530	360	5	hayes	hayes	PROPN
fsr-3530	360	6	,	,	PUNCT
fsr-3530	360	7	a.	a.	PROPN
fsr-3530	360	8	,	,	PUNCT
fsr-3530	360	9	&	&	CCONJ
fsr-3530	360	10	liu	liu	PROPN
fsr-3530	360	11	,	,	PUNCT
fsr-3530	360	12	s.	s.	PROPN
fsr-3530	360	13	(	(	PUNCT
fsr-3530	360	14	2018	2018	NUM
fsr-3530	360	15	)	)	PUNCT
fsr-3530	360	16	.	.	PUNCT
fsr-3530	361	1	the	the	DET
fsr-3530	361	2	evolution	evolution	NOUN
fsr-3530	361	3	of	of	ADP
fsr-3530	361	4	the	the	DET
fsr-3530	361	5	bitcoin	bitcoin	ADJ
fsr-3530	361	6	economy	economy	NOUN
fsr-3530	361	7	:	:	PUNCT
fsr-3530	361	8	extracting	extract	VERB
fsr-3530	361	9	and	and	CCONJ
fsr-3530	361	10	analyzing	analyze	VERB
fsr-3530	361	11	the	the	DET
fsr-3530	361	12	network	network	NOUN
fsr-3530	361	13	of	of	ADP
fsr-3530	361	14	payment	payment	NOUN
fsr-3530	361	15	relationships	relationship	NOUN
fsr-3530	361	16	.	.	PUNCT
fsr-3530	362	1	the	the	DET
fsr-3530	362	2	journal	journal	NOUN
fsr-3530	362	3	of	of	ADP
fsr-3530	362	4	risk	risk	NOUN
fsr-3530	362	5	finance	finance	NOUN
fsr-3530	362	6	,	,	PUNCT
fsr-3530	362	7	19	19	NUM
fsr-3530	362	8	,	,	PUNCT
fsr-3530	362	9	94–126	94–126	PROPN
fsr-3530	362	10	.	.	PUNCT
fsr-3530	363	1	https://doi.org/10.1108/jrf-032017-0059	https://doi.org/10.1108/jrf-032017-0059	PROPN
fsr-3530	363	2	titov	titov	PROPN
fsr-3530	363	3	,	,	PUNCT
fsr-3530	363	4	v.	v.	ADV
fsr-3530	363	5	,	,	PUNCT
fsr-3530	363	6	uandykova	uandykova	PRON
fsr-3530	363	7	,	,	PUNCT
fsr-3530	363	8	m.	m.	NOUN
fsr-3530	363	9	,	,	PUNCT
fsr-3530	363	10	litvishko	litvishko	ADJ
fsr-3530	363	11	,	,	PUNCT
fsr-3530	363	12	o.	o.	PROPN
fsr-3530	363	13	,	,	PUNCT
fsr-3530	363	14	kalmykova	kalmykova	PROPN
fsr-3530	363	15	,	,	PUNCT
fsr-3530	363	16	t.	t.	PROPN
fsr-3530	363	17	,	,	PUNCT
fsr-3530	363	18	prosekov	prosekov	NOUN
fsr-3530	363	19	,	,	PUNCT
fsr-3530	363	20	s.	s.	PROPN
fsr-3530	363	21	,	,	PUNCT
fsr-3530	363	22	&	&	CCONJ
fsr-3530	363	23	senjyu	senjyu	PROPN
fsr-3530	363	24	,	,	PUNCT
fsr-3530	363	25	t.	t.	NOUN
fsr-3530	363	26	(	(	PUNCT
fsr-3530	363	27	2021	2021	NUM
fsr-3530	363	28	)	)	PUNCT
fsr-3530	363	29	.	.	PUNCT
fsr-3530	364	1	cryptocurrency	cryptocurrency	NOUN
fsr-3530	364	2	open	open	ADJ
fsr-3530	364	3	innovation	innovation	NOUN
fsr-3530	364	4	payment	payment	NOUN
fsr-3530	364	5	system	system	NOUN
fsr-3530	364	6	:	:	PUNCT
fsr-3530	364	7	comparative	comparative	ADJ
fsr-3530	364	8	analysis	analysis	NOUN
fsr-3530	364	9	of	of	ADP
fsr-3530	364	10	existing	exist	VERB
fsr-3530	364	11	cryptocurrencies	cryptocurrencie	NOUN
fsr-3530	364	12	.	.	PUNCT
fsr-3530	365	1	journal	journal	NOUN
fsr-3530	365	2	of	of	ADP
fsr-3530	365	3	open	open	ADJ
fsr-3530	365	4	innovation	innovation	NOUN
fsr-3530	365	5	:	:	PUNCT
fsr-3530	365	6	technology	technology	NOUN
fsr-3530	365	7	,	,	PUNCT
fsr-3530	365	8	market	market	NOUN
fsr-3530	365	9	,	,	PUNCT
fsr-3530	365	10	and	and	CCONJ
fsr-3530	365	11	complexity	complexity	NOUN
fsr-3530	365	12	,	,	PUNCT
fsr-3530	365	13	7	7	NUM
fsr-3530	365	14	,	,	PUNCT
fsr-3530	365	15	102	102	NUM
fsr-3530	365	16	.	.	PUNCT
fsr-3530	366	1	https://doi.org/10.3390/joitmc7010102	https://doi.org/10.3390/joitmc7010102	PROPN
fsr-3530	366	2	van	van	PROPN
fsr-3530	366	3	rooij	rooij	PROPN
fsr-3530	366	4	,	,	PUNCT
fsr-3530	366	5	m.	m.	NOUN
fsr-3530	366	6	,	,	PUNCT
fsr-3530	366	7	lusardi	lusardi	PROPN
fsr-3530	366	8	,	,	PUNCT
fsr-3530	366	9	a.	a.	NOUN
fsr-3530	366	10	,	,	PUNCT
fsr-3530	366	11	&	&	CCONJ
fsr-3530	366	12	alessie	alessie	PROPN
fsr-3530	366	13	,	,	PUNCT
fsr-3530	366	14	r.	r.	PROPN
fsr-3530	366	15	(	(	PUNCT
fsr-3530	366	16	2011	2011	NUM
fsr-3530	366	17	)	)	PUNCT
fsr-3530	366	18	.	.	PUNCT
fsr-3530	367	1	financial	financial	ADJ
fsr-3530	367	2	literacy	literacy	NOUN
fsr-3530	367	3	and	and	CCONJ
fsr-3530	367	4	stock	stock	NOUN
fsr-3530	367	5	market	market	NOUN
fsr-3530	367	6	participation	participation	NOUN
fsr-3530	367	7	.	.	PUNCT
fsr-3530	368	1	journal	journal	NOUN
fsr-3530	368	2	of	of	ADP
fsr-3530	368	3	financial	financial	ADJ
fsr-3530	368	4	economics	economic	NOUN
fsr-3530	368	5	,	,	PUNCT
fsr-3530	368	6	101	101	NUM
fsr-3530	368	7	,	,	PUNCT
fsr-3530	368	8	449–472	449–472	NUM
fsr-3530	368	9	.	.	PUNCT
fsr-3530	369	1	https://doi.org/10.1016/j.jfineco.2011.03.006	https://doi.org/10.1016/j.jfineco.2011.03.006	PROPN
fsr-3530	369	2	xia	xia	PROPN
fsr-3530	369	3	,	,	PUNCT
fsr-3530	369	4	t.	t.	PROPN
fsr-3530	369	5	,	,	PUNCT
fsr-3530	369	6	wang	wang	PROPN
fsr-3530	369	7	,	,	PUNCT
fsr-3530	369	8	z.	z.	PROPN
fsr-3530	369	9	,	,	PUNCT
fsr-3530	369	10	&	&	CCONJ
fsr-3530	369	11	li	li	PROPN
fsr-3530	369	12	,	,	PUNCT
fsr-3530	369	13	k.	k.	PROPN
fsr-3530	369	14	(	(	PUNCT
fsr-3530	369	15	2014	2014	NUM
fsr-3530	369	16	)	)	PUNCT
fsr-3530	369	17	.	.	PUNCT
fsr-3530	370	1	financial	financial	ADJ
fsr-3530	370	2	literacy	literacy	NOUN
fsr-3530	370	3	overconfidence	overconfidence	NOUN
fsr-3530	370	4	and	and	CCONJ
fsr-3530	370	5	stock	stock	NOUN
fsr-3530	370	6	market	market	NOUN
fsr-3530	370	7	participation	participation	NOUN
fsr-3530	370	8	.	.	PUNCT
fsr-3530	371	1	social	social	ADJ
fsr-3530	371	2	indicators	indicator	NOUN
fsr-3530	371	3	research	research	VERB
fsr-3530	371	4	,	,	PUNCT
fsr-3530	371	5	119	119	NUM
fsr-3530	371	6	,	,	PUNCT
fsr-3530	371	7	1233–1245	1233–1245	NUM
fsr-3530	371	8	.	.	PUNCT
fsr-3530	372	1	https://doi.org/10.1007/s11205-013-0555-9	https://doi.org/10.1007/s11205-013-0555-9	PROPN
fsr-3530	372	2	zhao	zhao	PROPN
fsr-3530	372	3	,	,	PUNCT
fsr-3530	372	4	w.	w.	PROPN
fsr-3530	372	5	(	(	PUNCT
fsr-3530	372	6	2021	2021	NUM
fsr-3530	372	7	,	,	PUNCT
fsr-3530	372	8	march	march	PROPN
fsr-3530	372	9	5	5	NUM
fsr-3530	372	10	)	)	PUNCT
fsr-3530	372	11	.	.	PUNCT
fsr-3530	373	1	jpmorgan	jpmorgan	PROPN
fsr-3530	373	2	tells	tell	VERB
fsr-3530	373	3	private	private	ADJ
fsr-3530	373	4	wealth	wealth	NOUN
fsr-3530	373	5	clients	client	NOUN
fsr-3530	373	6	that	that	PRON
fsr-3530	373	7	bitcoin	bitcoin	NOUN
fsr-3530	373	8	can	can	AUX
fsr-3530	373	9	be	be	AUX
fsr-3530	373	10	a	a	DET
fsr-3530	373	11	portfolio	portfolio	NOUN
fsr-3530	373	12	diversifier	diversifi	ADJ
fsr-3530	373	13	’	'	PUNCT
fsr-3530	373	14	if	if	SCONJ
fsr-3530	373	15	sized	size	VERB
fsr-3530	373	16	correctly	correctly	ADV
fsr-3530	373	17	’	'	PUNCT
fsr-3530	373	18	.	.	PUNCT
fsr-3530	374	1	available	available	ADJ
fsr-3530	374	2	at	at	ADP
fsr-3530	374	3	https://www.theblockcrypto.com/post/97257/jp-morgan-bitcoin-deck-privateclient	https://www.theblockcrypto.com/post/97257/jp-morgan-bitcoin-deck-privateclient	ADJ
fsr-3530	374	4	zhao	zhao	PROPN
fsr-3530	374	5	,	,	PUNCT
fsr-3530	374	6	h.	h.	PROPN
fsr-3530	374	7	,	,	PUNCT
fsr-3530	374	8	&	&	CCONJ
fsr-3530	374	9	zhang	zhang	PROPN
fsr-3530	374	10	,	,	PUNCT
fsr-3530	374	11	l.	l.	PROPN
fsr-3530	374	12	(	(	PUNCT
fsr-3530	374	13	2021	2021	NUM
fsr-3530	374	14	)	)	PUNCT
fsr-3530	374	15	.	.	PUNCT
fsr-3530	375	1	financial	financial	ADJ
fsr-3530	375	2	literacy	literacy	NOUN
fsr-3530	375	3	or	or	CCONJ
fsr-3530	375	4	investment	investment	NOUN
fsr-3530	375	5	experience	experience	NOUN
fsr-3530	375	6	:	:	PUNCT
fsr-3530	375	7	which	which	PRON
fsr-3530	375	8	is	be	AUX
fsr-3530	375	9	more	more	ADV
fsr-3530	375	10	influential	influential	ADJ
fsr-3530	375	11	in	in	ADP
fsr-3530	375	12	cryptocurrency	cryptocurrency	NOUN
fsr-3530	375	13	investment	investment	NOUN
fsr-3530	375	14	?	?	PUNCT
fsr-3530	376	1	international	international	ADJ
fsr-3530	376	2	journal	journal	NOUN
fsr-3530	376	3	of	of	ADP
fsr-3530	376	4	bank	bank	PROPN
fsr-3530	376	5	marketing	marketing	NOUN
fsr-3530	376	6	,	,	PUNCT
fsr-3530	376	7	39	39	NUM
fsr-3530	376	8	,	,	PUNCT
fsr-3530	376	9	1208–1226	1208–1226	NUM
fsr-3530	376	10	.	.	PUNCT
fsr-3530	377	1	https://doi.org/10.1108/ijbm-112020-0552	https://doi.org/10.1108/ijbm-112020-0552	NOUN
fsr-3530	377	2	132	132	NUM
fsr-3530	377	3	k.	k.	NOUN
fsr-3530	377	4	t.	t.	PROPN
fsr-3530	377	5	kim	kim	PROPN
fsr-3530	377	6	et	et	PROPN
fsr-3530	377	7	al	al	PROPN
fsr-3530	377	8	.	.	PUNCT
fsr-3530	377	9	/	/	SYM
fsr-3530	377	10	financial	financial	ADJ
fsr-3530	377	11	services	service	NOUN
fsr-3530	377	12	review	review	VERB
fsr-3530	377	13	31	31	NUM
fsr-3530	377	14	(	(	PUNCT
fsr-3530	377	15	2023	2023	NUM
fsr-3530	377	16	)	)	PUNCT
fsr-3530	377	17	121–132	121–132	NUM
fsr-3530	377	18	assessing	assess	VERB
fsr-3530	377	19	the	the	DET
fsr-3530	377	20	relative	relative	ADJ
fsr-3530	377	21	need	need	NOUN
fsr-3530	377	22	and	and	CCONJ
fsr-3530	377	23	demand	demand	NOUN
fsr-3530	377	24	for	for	ADP
fsr-3530	377	25	financial	financial	ADJ
fsr-3530	377	26	education	education	NOUN
fsr-3530	377	27	programs	program	NOUN
fsr-3530	377	28	:	:	PUNCT
fsr-3530	377	29	a	a	DET
fsr-3530	377	30	case	case	NOUN
fsr-3530	377	31	study	study	NOUN
fsr-3530	377	32	of	of	ADP
fsr-3530	377	33	graduate	graduate	NOUN
fsr-3530	377	34	students	student	NOUN
fsr-3530	377	35	brent	brent	PROPN
fsr-3530	377	36	j.	j.	PROPN
fsr-3530	377	37	davisa	davisa	PROPN
fsr-3530	377	38	,	,	PUNCT
fsr-3530	377	39	*	*	PROPN
fsr-3530	377	40	,	,	PUNCT
fsr-3530	377	41	david	david	PROPN
fsr-3530	377	42	p.	p.	PROPN
fsr-3530	377	43	richardsona	richardsona	PROPN
fsr-3530	377	44	,	,	PUNCT
fsr-3530	377	45	jason	jason	PROPN
fsr-3530	377	46	s.	s.	PROPN
fsr-3530	377	47	seligmanb	seligmanb	PROPN
fsr-3530	377	48	atiaa	atiaa	PROPN
fsr-3530	377	49	institute	institute	PROPN
fsr-3530	377	50	,	,	PUNCT
fsr-3530	377	51	8500	8500	NUM
fsr-3530	377	52	andrew	andrew	PROPN
fsr-3530	377	53	carnegie	carnegie	PROPN
fsr-3530	377	54	boulevard	boulevard	PROPN
fsr-3530	377	55	,	,	PUNCT
fsr-3530	377	56	charlotte	charlotte	PROPN
fsr-3530	377	57	,	,	PUNCT
fsr-3530	377	58	nc	nc	PROPN
fsr-3530	377	59	28262	28262	NUM
fsr-3530	377	60	,	,	PUNCT
fsr-3530	377	61	usa	usa	PROPN
fsr-3530	377	62	binvestment	binvestment	PROPN
fsr-3530	377	63	company	company	PROPN
fsr-3530	377	64	institute	institute	NOUN
fsr-3530	377	65	,	,	PUNCT
fsr-3530	377	66	1401	1401	NUM
fsr-3530	377	67	h	h	PROPN
fsr-3530	377	68	street	street	PROPN
fsr-3530	377	69	nw	nw	PROPN
fsr-3530	377	70	,	,	PUNCT
fsr-3530	377	71	washington	washington	PROPN
fsr-3530	377	72	,	,	PUNCT
fsr-3530	377	73	dc	dc	PROPN
fsr-3530	377	74	20005	20005	NUM
fsr-3530	377	75	,	,	PUNCT
fsr-3530	377	76	usa	usa	PROPN
fsr-3530	377	77	abstract	abstract	NOUN
fsr-3530	377	78	we	we	PRON
fsr-3530	377	79	measure	measure	VERB
fsr-3530	377	80	the	the	DET
fsr-3530	377	81	relative	relative	ADJ
fsr-3530	377	82	need	need	NOUN
fsr-3530	377	83	and	and	CCONJ
fsr-3530	377	84	demand	demand	NOUN
fsr-3530	377	85	for	for	ADP
fsr-3530	377	86	financial	financial	ADJ
fsr-3530	377	87	education	education	NOUN
fsr-3530	377	88	programs	program	NOUN
fsr-3530	377	89	among	among	ADP
fsr-3530	377	90	graduate	graduate	ADJ
fsr-3530	377	91	students	student	NOUN
fsr-3530	377	92	at	at	ADP
fsr-3530	377	93	a	a	DET
fsr-3530	377	94	large	large	ADJ
fsr-3530	377	95	university	university	NOUN
fsr-3530	377	96	system	system	NOUN
fsr-3530	377	97	.	.	PUNCT
fsr-3530	378	1	we	we	PRON
fsr-3530	378	2	find	find	VERB
fsr-3530	378	3	that	that	SCONJ
fsr-3530	378	4	self	self	NOUN
fsr-3530	378	5	-	-	PUNCT
fsr-3530	378	6	assessed	assess	VERB
fsr-3530	378	7	and	and	CCONJ
fsr-3530	378	8	measured	measure	VERB
fsr-3530	378	9	financial	financial	ADJ
fsr-3530	378	10	literacy	literacy	NOUN
fsr-3530	378	11	is	be	AUX
fsr-3530	378	12	significantly	significantly	ADV
fsr-3530	378	13	related	relate	VERB
fsr-3530	378	14	to	to	ADP
fsr-3530	378	15	interest	interest	NOUN
fsr-3530	378	16	and	and	CCONJ
fsr-3530	378	17	demand	demand	NOUN
fsr-3530	378	18	for	for	ADP
fsr-3530	378	19	financial	financial	ADJ
fsr-3530	378	20	education	education	NOUN
fsr-3530	378	21	.	.	PUNCT
fsr-3530	379	1	individuals	individual	NOUN
fsr-3530	379	2	who	who	PRON
fsr-3530	379	3	self	self	NOUN
fsr-3530	379	4	-	-	PUNCT
fsr-3530	379	5	report	report	VERB
fsr-3530	379	6	a	a	DET
fsr-3530	379	7	high	high	ADJ
fsr-3530	379	8	level	level	NOUN
fsr-3530	379	9	of	of	ADP
fsr-3530	379	10	financial	financial	ADJ
fsr-3530	379	11	literacy	literacy	NOUN
fsr-3530	379	12	but	but	CCONJ
fsr-3530	379	13	have	have	VERB
fsr-3530	379	14	low	low	ADV
fsr-3530	379	15	measured	measure	VERB
fsr-3530	379	16	financial	financial	ADJ
fsr-3530	379	17	literacy	literacy	NOUN
fsr-3530	379	18	are	be	AUX
fsr-3530	379	19	significantly	significantly	ADV
fsr-3530	379	20	less	less	ADV
fsr-3530	379	21	likely	likely	ADJ
fsr-3530	379	22	to	to	PART
fsr-3530	379	23	be	be	AUX
fsr-3530	379	24	interested	interested	ADJ
fsr-3530	379	25	in	in	ADP
fsr-3530	379	26	financial	financial	ADJ
fsr-3530	379	27	education	education	NOUN
fsr-3530	379	28	,	,	PUNCT
fsr-3530	379	29	while	while	SCONJ
fsr-3530	379	30	the	the	DET
fsr-3530	379	31	opposite	opposite	NOUN
fsr-3530	379	32	is	be	AUX
fsr-3530	379	33	true	true	ADJ
fsr-3530	379	34	for	for	ADP
fsr-3530	379	35	financially	financially	ADV
fsr-3530	379	36	literate	literate	ADJ
fsr-3530	379	37	individuals	individual	NOUN
fsr-3530	379	38	selfreporting	selfreporte	VERB
fsr-3530	379	39	a	a	DET
fsr-3530	379	40	low	low	ADJ
fsr-3530	379	41	level	level	NOUN
fsr-3530	379	42	of	of	ADP
fsr-3530	379	43	financial	financial	ADJ
fsr-3530	379	44	literacy	literacy	NOUN
fsr-3530	379	45	.	.	PUNCT
fsr-3530	380	1	our	our	PRON
fsr-3530	380	2	study	study	NOUN
fsr-3530	380	3	adds	add	VERB
fsr-3530	380	4	to	to	PART
fsr-3530	380	5	research	research	NOUN
fsr-3530	380	6	showing	show	VERB
fsr-3530	380	7	the	the	DET
fsr-3530	380	8	importance	importance	NOUN
fsr-3530	380	9	of	of	ADP
fsr-3530	380	10	both	both	PRON
fsr-3530	380	11	believed	believe	VERB
fsr-3530	380	12	and	and	CCONJ
fsr-3530	380	13	actual	actual	ADJ
fsr-3530	380	14	financial	financial	ADJ
fsr-3530	380	15	literacy	literacy	NOUN
fsr-3530	380	16	measures	measure	NOUN
fsr-3530	380	17	and	and	CCONJ
fsr-3530	380	18	has	have	VERB
fsr-3530	380	19	implications	implication	NOUN
fsr-3530	380	20	for	for	ADP
fsr-3530	380	21	financial	financial	ADJ
fsr-3530	380	22	education	education	NOUN
fsr-3530	380	23	programs	program	NOUN
fsr-3530	380	24	.	.	PUNCT
fsr-3530	381	1	©	©	PROPN
fsr-3530	381	2	2023	2023	NUM
fsr-3530	381	3	academy	academy	NOUN
fsr-3530	381	4	of	of	ADP
fsr-3530	381	5	financial	financial	ADJ
fsr-3530	381	6	services	service	NOUN
fsr-3530	381	7	.	.	PUNCT
fsr-3530	382	1	all	all	DET
fsr-3530	382	2	rights	right	NOUN
fsr-3530	382	3	reserved	reserve	VERB
fsr-3530	382	4	.	.	PUNCT
fsr-3530	383	1	jel	jel	PROPN
fsr-3530	383	2	classifications	classification	NOUN
fsr-3530	383	3	:	:	PUNCT
fsr-3530	383	4	d14	d14	ADJ
fsr-3530	383	5	;	;	PUNCT
fsr-3530	383	6	g53	g53	NOUN
fsr-3530	383	7	keywords	keyword	NOUN
fsr-3530	383	8	:	:	PUNCT
fsr-3530	383	9	financial	financial	ADJ
fsr-3530	383	10	education	education	NOUN
fsr-3530	383	11	;	;	PUNCT
fsr-3530	383	12	financial	financial	ADJ
fsr-3530	383	13	literacy	literacy	NOUN
fsr-3530	383	14	;	;	PUNCT
fsr-3530	383	15	overconfidence	overconfidence	NOUN
fsr-3530	383	16	1	1	NUM
fsr-3530	383	17	.	.	PUNCT
fsr-3530	383	18	introduction	introduction	NOUN
fsr-3530	383	19	over	over	ADP
fsr-3530	383	20	the	the	DET
fsr-3530	383	21	last	last	ADJ
fsr-3530	383	22	several	several	ADJ
fsr-3530	383	23	decades	decade	NOUN
fsr-3530	383	24	,	,	PUNCT
fsr-3530	383	25	there	there	PRON
fsr-3530	383	26	has	have	AUX
fsr-3530	383	27	been	be	AUX
fsr-3530	383	28	a	a	DET
fsr-3530	383	29	substantial	substantial	ADJ
fsr-3530	383	30	increase	increase	NOUN
fsr-3530	383	31	in	in	ADP
fsr-3530	383	32	the	the	DET
fsr-3530	383	33	investment	investment	NOUN
fsr-3530	383	34	,	,	PUNCT
fsr-3530	383	35	health	health	NOUN
fsr-3530	383	36	,	,	PUNCT
fsr-3530	383	37	and	and	CCONJ
fsr-3530	383	38	longevity	longevity	NOUN
fsr-3530	383	39	risk	risk	NOUN
fsr-3530	383	40	burdens	burden	NOUN
fsr-3530	383	41	borne	bear	VERB
fsr-3530	383	42	by	by	ADP
fsr-3530	383	43	individuals	individual	NOUN
fsr-3530	383	44	.	.	PUNCT
fsr-3530	384	1	this	this	DET
fsr-3530	384	2	shift	shift	NOUN
fsr-3530	384	3	has	have	AUX
fsr-3530	384	4	increased	increase	VERB
fsr-3530	384	5	focus	focus	NOUN
fsr-3530	384	6	on	on	ADP
fsr-3530	384	7	the	the	DET
fsr-3530	384	8	importance	importance	NOUN
fsr-3530	384	9	of	of	ADP
fsr-3530	384	10	household	household	NOUN
fsr-3530	384	11	financial	financial	ADJ
fsr-3530	384	12	literacy	literacy	NOUN
fsr-3530	384	13	in	in	ADP
fsr-3530	384	14	managing	manage	VERB
fsr-3530	384	15	these	these	DET
fsr-3530	384	16	risks	risk	NOUN
fsr-3530	384	17	and	and	CCONJ
fsr-3530	384	18	enhancing	enhance	VERB
fsr-3530	384	19	financial	financial	ADJ
fsr-3530	384	20	well	well	NOUN
fsr-3530	384	21	-	-	PUNCT
fsr-3530	384	22	being	being	NOUN
fsr-3530	384	23	.	.	PUNCT
fsr-3530	385	1	as	as	SCONJ
fsr-3530	385	2	noted	note	VERB
fsr-3530	385	3	by	by	ADP
fsr-3530	385	4	lusardi	lusardi	PROPN
fsr-3530	385	5	and	and	CCONJ
fsr-3530	385	6	mitchell	mitchell	PROPN
fsr-3530	385	7	(	(	PUNCT
fsr-3530	385	8	2014	2014	NUM
fsr-3530	385	9	)	)	PUNCT
fsr-3530	385	10	,	,	PUNCT
fsr-3530	385	11	a	a	DET
fsr-3530	385	12	lack	lack	NOUN
fsr-3530	385	13	of	of	ADP
fsr-3530	385	14	financial	financial	ADJ
fsr-3530	385	15	literacy	literacy	NOUN
fsr-3530	385	16	can	can	AUX
fsr-3530	385	17	have	have	VERB
fsr-3530	385	18	long	long	ADJ
fsr-3530	385	19	-	-	PUNCT
fsr-3530	385	20	term	term	NOUN
fsr-3530	385	21	impacts	impact	NOUN
fsr-3530	385	22	on	on	ADP
fsr-3530	385	23	households	household	NOUN
fsr-3530	385	24	’	'	PUNCT
fsr-3530	385	25	financial	financial	ADJ
fsr-3530	385	26	well	well	NOUN
fsr-3530	385	27	-	-	PUNCT
fsr-3530	385	28	being	being	NOUN
fsr-3530	385	29	.	.	PUNCT
fsr-3530	386	1	for	for	ADP
fsr-3530	386	2	example	example	NOUN
fsr-3530	386	3	,	,	PUNCT
fsr-3530	386	4	not	not	PART
fsr-3530	386	5	properly	properly	ADV
fsr-3530	386	6	managing	manage	VERB
fsr-3530	386	7	*	*	PUNCT
fsr-3530	386	8	corresponding	correspond	VERB
fsr-3530	386	9	author	author	NOUN
fsr-3530	386	10	.	.	PUNCT
fsr-3530	387	1	tel	tel	PROPN
fsr-3530	387	2	.	.	PUNCT
fsr-3530	387	3	:	:	PUNCT
fsr-3530	388	1	+1	+1	PROPN
fsr-3530	388	2	-	-	PUNCT
fsr-3530	388	3	704	704	NUM
fsr-3530	388	4	-	-	PUNCT
fsr-3530	388	5	988	988	NUM
fsr-3530	388	6	-	-	SYM
fsr-3530	388	7	6271	6271	NUM
fsr-3530	388	8	.	.	PUNCT
fsr-3530	389	1	e	e	X
fsr-3530	389	2	-	-	NOUN
fsr-3530	389	3	mail	mail	NOUN
fsr-3530	389	4	address	address	NOUN
fsr-3530	389	5	:	:	PUNCT
fsr-3530	389	6	brent.davis@tiaa.org	brent.davis@tiaa.org	PROPN
fsr-3530	389	7	(	(	PUNCT
fsr-3530	389	8	b.	b.	PROPN
fsr-3530	389	9	j.	j.	PROPN
fsr-3530	389	10	davis	davis	PROPN
fsr-3530	389	11	)	)	PUNCT
fsr-3530	389	12	1057	1057	NUM
fsr-3530	389	13	-	-	SYM
fsr-3530	389	14	0810/23/$	0810/23/$	NUM
fsr-3530	389	15	–	–	PUNCT
fsr-3530	389	16	see	see	VERB
fsr-3530	389	17	front	front	ADJ
fsr-3530	389	18	matter	matter	NOUN
fsr-3530	389	19	©	©	PROPN
fsr-3530	389	20	2023	2023	NUM
fsr-3530	389	21	academy	academy	NOUN
fsr-3530	389	22	of	of	ADP
fsr-3530	389	23	financial	financial	ADJ
fsr-3530	389	24	services	service	NOUN
fsr-3530	389	25	.	.	PUNCT
fsr-3530	390	1	all	all	DET
fsr-3530	390	2	rights	right	NOUN
fsr-3530	390	3	reserved	reserve	VERB
fsr-3530	390	4	.	.	PUNCT
fsr-3530	391	1	financial	financial	ADJ
fsr-3530	391	2	services	service	NOUN
fsr-3530	391	3	review	review	VERB
fsr-3530	391	4	31	31	NUM
fsr-3530	391	5	(	(	PUNCT
fsr-3530	391	6	2023	2023	NUM
fsr-3530	391	7	)	)	PUNCT
fsr-3530	391	8	133–150	133–150	NUM
fsr-3530	391	9	debt	debt	NOUN
fsr-3530	391	10	or	or	CCONJ
fsr-3530	391	11	planning	planning	NOUN
fsr-3530	391	12	for	for	ADP
fsr-3530	391	13	retirement	retirement	NOUN
fsr-3530	391	14	can	can	AUX
fsr-3530	391	15	have	have	VERB
fsr-3530	391	16	substantial	substantial	ADJ
fsr-3530	391	17	impacts	impact	NOUN
fsr-3530	391	18	on	on	ADP
fsr-3530	391	19	financial	financial	ADJ
fsr-3530	391	20	well	well	NOUN
fsr-3530	391	21	-	-	PUNCT
fsr-3530	391	22	being	being	NOUN
fsr-3530	391	23	over	over	ADP
fsr-3530	391	24	the	the	DET
fsr-3530	391	25	lifecycle	lifecycle	NOUN
fsr-3530	391	26	.	.	PUNCT
fsr-3530	392	1	while	while	SCONJ
fsr-3530	392	2	recent	recent	ADJ
fsr-3530	392	3	research	research	NOUN
fsr-3530	392	4	has	have	AUX
fsr-3530	392	5	documented	document	VERB
fsr-3530	392	6	the	the	DET
fsr-3530	392	7	link	link	NOUN
fsr-3530	392	8	between	between	ADP
fsr-3530	392	9	low	low	ADJ
fsr-3530	392	10	financial	financial	ADJ
fsr-3530	392	11	literacy	literacy	NOUN
fsr-3530	392	12	and	and	CCONJ
fsr-3530	392	13	financial	financial	ADJ
fsr-3530	392	14	fragility	fragility	NOUN
fsr-3530	392	15	,	,	PUNCT
fsr-3530	392	16	many	many	ADJ
fsr-3530	392	17	adults	adult	NOUN
fsr-3530	392	18	continue	continue	VERB
fsr-3530	392	19	to	to	PART
fsr-3530	392	20	have	have	VERB
fsr-3530	392	21	poor	poor	ADJ
fsr-3530	392	22	understanding	understanding	NOUN
fsr-3530	392	23	of	of	ADP
fsr-3530	392	24	basic	basic	ADJ
fsr-3530	392	25	personal	personal	ADJ
fsr-3530	392	26	finance	finance	NOUN
fsr-3530	392	27	concepts.1	concepts.1	PROPN
fsr-3530	392	28	however	however	ADV
fsr-3530	392	29	,	,	PUNCT
fsr-3530	392	30	effectively	effectively	ADV
fsr-3530	392	31	engaging	engage	VERB
fsr-3530	392	32	individuals	individual	NOUN
fsr-3530	392	33	in	in	ADP
fsr-3530	392	34	improving	improve	VERB
fsr-3530	392	35	their	their	PRON
fsr-3530	392	36	financial	financial	ADJ
fsr-3530	392	37	literacy	literacy	NOUN
fsr-3530	392	38	has	have	AUX
fsr-3530	392	39	proven	prove	VERB
fsr-3530	392	40	challenging	challenging	ADJ
fsr-3530	392	41	.	.	PUNCT
fsr-3530	393	1	in	in	ADP
fsr-3530	393	2	this	this	DET
fsr-3530	393	3	paper	paper	NOUN
fsr-3530	393	4	,	,	PUNCT
fsr-3530	393	5	we	we	PRON
fsr-3530	393	6	conduct	conduct	VERB
fsr-3530	393	7	a	a	DET
fsr-3530	393	8	case	case	NOUN
fsr-3530	393	9	study	study	NOUN
fsr-3530	393	10	on	on	ADP
fsr-3530	393	11	the	the	DET
fsr-3530	393	12	need	need	NOUN
fsr-3530	393	13	and	and	CCONJ
fsr-3530	393	14	demand	demand	NOUN
fsr-3530	393	15	for	for	ADP
fsr-3530	393	16	financial	financial	ADJ
fsr-3530	393	17	education	education	NOUN
fsr-3530	393	18	programming	programming	NOUN
fsr-3530	393	19	by	by	ADP
fsr-3530	393	20	graduate	graduate	NOUN
fsr-3530	393	21	students	student	NOUN
fsr-3530	393	22	in	in	ADP
fsr-3530	393	23	a	a	DET
fsr-3530	393	24	large	large	ADJ
fsr-3530	393	25	university	university	NOUN
fsr-3530	393	26	system	system	NOUN
fsr-3530	393	27	.	.	PUNCT
fsr-3530	394	1	leveraging	leverage	VERB
fsr-3530	394	2	the	the	DET
fsr-3530	394	3	differences	difference	NOUN
fsr-3530	394	4	between	between	ADP
fsr-3530	394	5	self	self	NOUN
fsr-3530	394	6	-	-	PUNCT
fsr-3530	394	7	assessed	assess	VERB
fsr-3530	394	8	and	and	CCONJ
fsr-3530	394	9	actual	actual	ADJ
fsr-3530	394	10	financial	financial	ADJ
fsr-3530	394	11	literacy	literacy	NOUN
fsr-3530	394	12	levels	level	NOUN
fsr-3530	394	13	,	,	PUNCT
fsr-3530	394	14	we	we	PRON
fsr-3530	394	15	find	find	VERB
fsr-3530	394	16	that	that	SCONJ
fsr-3530	394	17	students	student	NOUN
fsr-3530	394	18	most	most	ADV
fsr-3530	394	19	in	in	ADP
fsr-3530	394	20	need	need	NOUN
fsr-3530	394	21	of	of	ADP
fsr-3530	394	22	additional	additional	ADJ
fsr-3530	394	23	financial	financial	ADJ
fsr-3530	394	24	education	education	NOUN
fsr-3530	394	25	are	be	AUX
fsr-3530	394	26	least	least	ADV
fsr-3530	394	27	likely	likely	ADJ
fsr-3530	394	28	to	to	PART
fsr-3530	394	29	take	take	VERB
fsr-3530	394	30	advantage	advantage	NOUN
fsr-3530	394	31	of	of	ADP
fsr-3530	394	32	programming	programming	NOUN
fsr-3530	394	33	.	.	PUNCT
fsr-3530	395	1	graduate	graduate	NOUN
fsr-3530	395	2	students	student	NOUN
fsr-3530	395	3	are	be	AUX
fsr-3530	395	4	good	good	ADJ
fsr-3530	395	5	candidates	candidate	NOUN
fsr-3530	395	6	to	to	PART
fsr-3530	395	7	receive	receive	VERB
fsr-3530	395	8	financial	financial	ADJ
fsr-3530	395	9	education	education	NOUN
fsr-3530	395	10	programming	programming	NOUN
fsr-3530	395	11	.	.	PUNCT
fsr-3530	396	1	they	they	PRON
fsr-3530	396	2	are	be	AUX
fsr-3530	396	3	among	among	ADP
fsr-3530	396	4	the	the	DET
fsr-3530	396	5	most	most	ADV
fsr-3530	396	6	receptive	receptive	ADJ
fsr-3530	396	7	consumers	consumer	NOUN
fsr-3530	396	8	of	of	ADP
fsr-3530	396	9	education	education	NOUN
fsr-3530	396	10	,	,	PUNCT
fsr-3530	396	11	command	command	NOUN
fsr-3530	396	12	commensurately	commensurately	ADV
fsr-3530	396	13	higher	high	ADJ
fsr-3530	396	14	lifetime	lifetime	NOUN
fsr-3530	396	15	earnings	earning	NOUN
fsr-3530	396	16	postgraduation	postgraduation	NOUN
fsr-3530	396	17	,	,	PUNCT
fsr-3530	396	18	and	and	CCONJ
fsr-3530	396	19	may	may	AUX
fsr-3530	396	20	be	be	AUX
fsr-3530	396	21	more	more	ADV
fsr-3530	396	22	likely	likely	ADJ
fsr-3530	396	23	to	to	PART
fsr-3530	396	24	have	have	VERB
fsr-3530	396	25	complex	complex	ADJ
fsr-3530	396	26	financial	financial	ADJ
fsr-3530	396	27	planning	planning	NOUN
fsr-3530	396	28	needs	need	VERB
fsr-3530	396	29	over	over	ADP
fsr-3530	396	30	the	the	DET
fsr-3530	396	31	lifecycle	lifecycle	NOUN
fsr-3530	396	32	.	.	PUNCT
fsr-3530	397	1	many	many	ADJ
fsr-3530	397	2	also	also	ADV
fsr-3530	397	3	have	have	VERB
fsr-3530	397	4	prior	prior	ADJ
fsr-3530	397	5	workforce	workforce	NOUN
fsr-3530	397	6	experience	experience	NOUN
fsr-3530	397	7	,	,	PUNCT
fsr-3530	397	8	which	which	PRON
fsr-3530	397	9	may	may	AUX
fsr-3530	397	10	expose	expose	VERB
fsr-3530	397	11	them	they	PRON
fsr-3530	397	12	to	to	ADP
fsr-3530	397	13	employer	employer	NOUN
fsr-3530	397	14	-	-	PUNCT
fsr-3530	397	15	sponsored	sponsor	VERB
fsr-3530	397	16	benefits	benefit	NOUN
fsr-3530	397	17	and	and	CCONJ
fsr-3530	397	18	retirement	retirement	NOUN
fsr-3530	397	19	savings	saving	NOUN
fsr-3530	397	20	plans	plan	NOUN
fsr-3530	397	21	.	.	PUNCT
fsr-3530	398	1	however	however	ADV
fsr-3530	398	2	,	,	PUNCT
fsr-3530	398	3	this	this	DET
fsr-3530	398	4	prior	prior	ADJ
fsr-3530	398	5	workforce	workforce	NOUN
fsr-3530	398	6	participation	participation	NOUN
fsr-3530	398	7	may	may	AUX
fsr-3530	398	8	make	make	VERB
fsr-3530	398	9	graduate	graduate	NOUN
fsr-3530	398	10	students	student	NOUN
fsr-3530	398	11	more	more	ADV
fsr-3530	398	12	anxious	anxious	ADJ
fsr-3530	398	13	about	about	ADP
fsr-3530	398	14	their	their	PRON
fsr-3530	398	15	financial	financial	ADJ
fsr-3530	398	16	security	security	NOUN
fsr-3530	398	17	due	due	ADP
fsr-3530	398	18	to	to	ADP
fsr-3530	398	19	low	low	ADJ
fsr-3530	398	20	earnings	earning	NOUN
fsr-3530	398	21	and	and	CCONJ
fsr-3530	398	22	savings	saving	NOUN
fsr-3530	398	23	and	and	CCONJ
fsr-3530	398	24	likely	likely	ADV
fsr-3530	398	25	increased	increase	VERB
fsr-3530	398	26	debt	debt	NOUN
fsr-3530	398	27	,	,	PUNCT
fsr-3530	398	28	during	during	ADP
fsr-3530	398	29	graduate	graduate	NOUN
fsr-3530	398	30	studies	study	NOUN
fsr-3530	398	31	.	.	PUNCT
fsr-3530	399	1	providing	provide	VERB
fsr-3530	399	2	financial	financial	ADJ
fsr-3530	399	3	education	education	NOUN
fsr-3530	399	4	programming	programming	NOUN
fsr-3530	399	5	during	during	ADP
fsr-3530	399	6	this	this	DET
fsr-3530	399	7	time	time	NOUN
fsr-3530	399	8	can	can	AUX
fsr-3530	399	9	help	help	VERB
fsr-3530	399	10	students	student	NOUN
fsr-3530	399	11	gain	gain	VERB
fsr-3530	399	12	confidence	confidence	NOUN
fsr-3530	399	13	in	in	ADP
fsr-3530	399	14	their	their	PRON
fsr-3530	399	15	long	long	ADJ
fsr-3530	399	16	-	-	PUNCT
fsr-3530	399	17	term	term	NOUN
fsr-3530	399	18	financial	financial	ADJ
fsr-3530	399	19	well	well	NOUN
fsr-3530	399	20	-	-	PUNCT
fsr-3530	399	21	being	being	NOUN
fsr-3530	399	22	.	.	PUNCT
fsr-3530	400	1	our	our	PRON
fsr-3530	400	2	interest	interest	NOUN
fsr-3530	400	3	in	in	ADP
fsr-3530	400	4	studying	study	VERB
fsr-3530	400	5	financial	financial	ADJ
fsr-3530	400	6	education	education	NOUN
fsr-3530	400	7	programming	programming	NOUN
fsr-3530	400	8	is	be	AUX
fsr-3530	400	9	whether	whether	SCONJ
fsr-3530	400	10	it	it	PRON
fsr-3530	400	11	is	be	AUX
fsr-3530	400	12	economically	economically	ADV
fsr-3530	400	13	rational	rational	ADJ
fsr-3530	400	14	for	for	SCONJ
fsr-3530	400	15	individuals	individual	NOUN
fsr-3530	400	16	to	to	PART
fsr-3530	400	17	invest	invest	VERB
fsr-3530	400	18	in	in	ADP
fsr-3530	400	19	financial	financial	ADJ
fsr-3530	400	20	education	education	NOUN
fsr-3530	400	21	,	,	PUNCT
fsr-3530	400	22	and	and	CCONJ
fsr-3530	400	23	relatedly	relatedly	ADV
fsr-3530	400	24	,	,	PUNCT
fsr-3530	400	25	can	can	AUX
fsr-3530	400	26	financial	financial	ADJ
fsr-3530	400	27	education	education	NOUN
fsr-3530	400	28	programs	program	NOUN
fsr-3530	400	29	improve	improve	VERB
fsr-3530	400	30	outcomes	outcome	NOUN
fsr-3530	400	31	.	.	PUNCT
fsr-3530	401	1	regarding	regard	VERB
fsr-3530	401	2	the	the	DET
fsr-3530	401	3	latter	latter	ADJ
fsr-3530	401	4	,	,	PUNCT
fsr-3530	401	5	evidence	evidence	NOUN
fsr-3530	401	6	increasingly	increasingly	ADV
fsr-3530	401	7	suggests	suggest	VERB
fsr-3530	401	8	that	that	SCONJ
fsr-3530	401	9	financial	financial	ADJ
fsr-3530	401	10	education	education	NOUN
fsr-3530	401	11	affects	affect	VERB
fsr-3530	401	12	outcomes	outcome	NOUN
fsr-3530	401	13	across	across	ADP
fsr-3530	401	14	a	a	DET
fsr-3530	401	15	variety	variety	NOUN
fsr-3530	401	16	of	of	ADP
fsr-3530	401	17	contexts.2	contexts.2	PROPN
fsr-3530	401	18	with	with	ADP
fsr-3530	401	19	respect	respect	NOUN
fsr-3530	401	20	to	to	ADP
fsr-3530	401	21	financial	financial	ADJ
fsr-3530	401	22	education	education	NOUN
fsr-3530	401	23	investment	investment	NOUN
fsr-3530	401	24	,	,	PUNCT
fsr-3530	401	25	lusardi	lusardi	PROPN
fsr-3530	401	26	,	,	PUNCT
fsr-3530	401	27	michaud	michaud	PROPN
fsr-3530	401	28	,	,	PUNCT
fsr-3530	401	29	and	and	CCONJ
fsr-3530	401	30	mitchell	mitchell	PROPN
fsr-3530	401	31	(	(	PUNCT
fsr-3530	401	32	2017	2017	NUM
fsr-3530	401	33	)	)	PUNCT
fsr-3530	401	34	discuss	discuss	VERB
fsr-3530	401	35	that	that	DET
fsr-3530	401	36	investment	investment	NOUN
fsr-3530	401	37	in	in	ADP
fsr-3530	401	38	financial	financial	ADJ
fsr-3530	401	39	literacy	literacy	NOUN
fsr-3530	401	40	should	should	AUX
fsr-3530	401	41	be	be	AUX
fsr-3530	401	42	a	a	DET
fsr-3530	401	43	function	function	NOUN
fsr-3530	401	44	of	of	ADP
fsr-3530	401	45	the	the	DET
fsr-3530	401	46	associated	associated	ADJ
fsr-3530	401	47	expected	expect	VERB
fsr-3530	401	48	benefits	benefit	NOUN
fsr-3530	401	49	.	.	PUNCT
fsr-3530	402	1	they	they	PRON
fsr-3530	402	2	find	find	VERB
fsr-3530	402	3	that	that	SCONJ
fsr-3530	402	4	low	low	ADJ
fsr-3530	402	5	-	-	PUNCT
fsr-3530	402	6	education	education	NOUN
fsr-3530	402	7	low	low	ADJ
fsr-3530	402	8	-	-	PUNCT
fsr-3530	402	9	lifetime	lifetime	NOUN
fsr-3530	402	10	income	income	NOUN
fsr-3530	402	11	groups	group	NOUN
fsr-3530	402	12	might	might	AUX
fsr-3530	402	13	rationally	rationally	ADV
fsr-3530	402	14	choose	choose	VERB
fsr-3530	402	15	not	not	PART
fsr-3530	402	16	to	to	PART
fsr-3530	402	17	invest	invest	VERB
fsr-3530	402	18	in	in	ADP
fsr-3530	402	19	obtaining	obtain	VERB
fsr-3530	402	20	financial	financial	ADJ
fsr-3530	402	21	literacy	literacy	NOUN
fsr-3530	402	22	skills	skill	NOUN
fsr-3530	402	23	because	because	SCONJ
fsr-3530	402	24	of	of	ADP
fsr-3530	402	25	their	their	PRON
fsr-3530	402	26	larger	large	ADJ
fsr-3530	402	27	relative	relative	ADJ
fsr-3530	402	28	reliance	reliance	NOUN
fsr-3530	402	29	on	on	ADP
fsr-3530	402	30	public	public	ADJ
fsr-3530	402	31	social	social	ADJ
fsr-3530	402	32	welfare	welfare	NOUN
fsr-3530	402	33	programs	program	NOUN
fsr-3530	402	34	.	.	PUNCT
fsr-3530	403	1	because	because	SCONJ
fsr-3530	403	2	our	our	PRON
fsr-3530	403	3	target	target	NOUN
fsr-3530	403	4	sample	sample	NOUN
fsr-3530	403	5	is	be	AUX
fsr-3530	403	6	of	of	ADP
fsr-3530	403	7	high	high	ADJ
fsr-3530	403	8	education	education	NOUN
fsr-3530	403	9	and	and	CCONJ
fsr-3530	403	10	higher	high	ADJ
fsr-3530	403	11	-	-	PUNCT
fsr-3530	403	12	than	than	ADP
fsr-3530	403	13	-	-	PUNCT
fsr-3530	403	14	median	median	NOUN
fsr-3530	403	15	expected	expect	VERB
fsr-3530	403	16	lifetime	lifetime	NOUN
fsr-3530	403	17	income	income	NOUN
fsr-3530	403	18	,	,	PUNCT
fsr-3530	403	19	they	they	PRON
fsr-3530	403	20	should	should	AUX
fsr-3530	403	21	rationally	rationally	ADV
fsr-3530	403	22	choose	choose	VERB
fsr-3530	403	23	to	to	PART
fsr-3530	403	24	invest	invest	VERB
fsr-3530	403	25	in	in	ADP
fsr-3530	403	26	financial	financial	ADJ
fsr-3530	403	27	literacy	literacy	NOUN
fsr-3530	403	28	education	education	NOUN
fsr-3530	403	29	.	.	PUNCT
fsr-3530	404	1	we	we	PRON
fsr-3530	404	2	measure	measure	VERB
fsr-3530	404	3	self	self	NOUN
fsr-3530	404	4	-	-	PUNCT
fsr-3530	404	5	assessed	assess	VERB
fsr-3530	404	6	and	and	CCONJ
fsr-3530	404	7	tested	test	VERB
fsr-3530	404	8	financial	financial	ADJ
fsr-3530	404	9	literacy	literacy	NOUN
fsr-3530	404	10	for	for	ADP
fsr-3530	404	11	graduate	graduate	ADJ
fsr-3530	404	12	students	student	NOUN
fsr-3530	404	13	in	in	ADP
fsr-3530	404	14	a	a	DET
fsr-3530	404	15	large	large	ADJ
fsr-3530	404	16	public	public	ADJ
fsr-3530	404	17	university	university	NOUN
fsr-3530	404	18	system	system	NOUN
fsr-3530	404	19	.	.	PUNCT
fsr-3530	405	1	similar	similar	ADJ
fsr-3530	405	2	to	to	ADP
fsr-3530	405	3	past	past	ADJ
fsr-3530	405	4	studies	study	NOUN
fsr-3530	405	5	,	,	PUNCT
fsr-3530	405	6	we	we	PRON
fsr-3530	405	7	find	find	VERB
fsr-3530	405	8	measurable	measurable	ADJ
fsr-3530	405	9	weakness	weakness	NOUN
fsr-3530	405	10	in	in	ADP
fsr-3530	405	11	the	the	DET
fsr-3530	405	12	populations	population	NOUN
fsr-3530	405	13	’	'	PUNCT
fsr-3530	405	14	understanding	understanding	NOUN
fsr-3530	405	15	of	of	ADP
fsr-3530	405	16	basic	basic	ADJ
fsr-3530	405	17	personal	personal	ADJ
fsr-3530	405	18	finance	finance	NOUN
fsr-3530	405	19	concepts	concept	NOUN
fsr-3530	405	20	,	,	PUNCT
fsr-3530	405	21	despite	despite	SCONJ
fsr-3530	405	22	most	most	ADJ
fsr-3530	405	23	students	student	NOUN
fsr-3530	405	24	expressing	express	VERB
fsr-3530	405	25	concern	concern	NOUN
fsr-3530	405	26	regarding	regard	VERB
fsr-3530	405	27	their	their	PRON
fsr-3530	405	28	own	own	ADJ
fsr-3530	405	29	personal	personal	ADJ
fsr-3530	405	30	finances	finance	NOUN
fsr-3530	405	31	.	.	PUNCT
fsr-3530	406	1	regarding	regard	VERB
fsr-3530	406	2	financial	financial	ADJ
fsr-3530	406	3	education	education	NOUN
fsr-3530	406	4	engagement	engagement	NOUN
fsr-3530	406	5	,	,	PUNCT
fsr-3530	406	6	we	we	PRON
fsr-3530	406	7	document	document	VERB
fsr-3530	406	8	two	two	NUM
fsr-3530	406	9	main	main	ADJ
fsr-3530	406	10	findings	finding	NOUN
fsr-3530	406	11	.	.	PUNCT
fsr-3530	407	1	the	the	DET
fsr-3530	407	2	first	first	ADJ
fsr-3530	407	3	is	be	AUX
fsr-3530	407	4	that	that	SCONJ
fsr-3530	407	5	interest	interest	NOUN
fsr-3530	407	6	in	in	ADP
fsr-3530	407	7	financial	financial	ADJ
fsr-3530	407	8	education	education	NOUN
fsr-3530	407	9	relates	relate	VERB
fsr-3530	407	10	significantly	significantly	ADV
fsr-3530	407	11	to	to	ADP
fsr-3530	407	12	an	an	DET
fsr-3530	407	13	individual	individual	NOUN
fsr-3530	407	14	’s	’s	PART
fsr-3530	407	15	self	self	NOUN
fsr-3530	407	16	-	-	PUNCT
fsr-3530	407	17	assessed	assess	VERB
fsr-3530	407	18	level	level	NOUN
fsr-3530	407	19	of	of	ADP
fsr-3530	407	20	financial	financial	ADJ
fsr-3530	407	21	knowledge	knowledge	NOUN
fsr-3530	407	22	relative	relative	ADJ
fsr-3530	407	23	to	to	ADP
fsr-3530	407	24	their	their	PRON
fsr-3530	407	25	actual	actual	ADJ
fsr-3530	407	26	measured	measure	VERB
fsr-3530	407	27	financial	financial	ADJ
fsr-3530	407	28	literacy	literacy	NOUN
fsr-3530	407	29	level	level	NOUN
fsr-3530	407	30	.	.	PUNCT
fsr-3530	408	1	individuals	individual	NOUN
fsr-3530	408	2	who	who	PRON
fsr-3530	408	3	estimate	estimate	VERB
fsr-3530	408	4	they	they	PRON
fsr-3530	408	5	have	have	VERB
fsr-3530	408	6	a	a	DET
fsr-3530	408	7	high	high	ADJ
fsr-3530	408	8	level	level	NOUN
fsr-3530	408	9	of	of	ADP
fsr-3530	408	10	financial	financial	ADJ
fsr-3530	408	11	literacy	literacy	NOUN
fsr-3530	408	12	but	but	CCONJ
fsr-3530	408	13	perform	perform	VERB
fsr-3530	408	14	poorly	poorly	ADV
fsr-3530	408	15	on	on	ADP
fsr-3530	408	16	a	a	DET
fsr-3530	408	17	financial	financial	ADJ
fsr-3530	408	18	literacy	literacy	NOUN
fsr-3530	408	19	quiz	quiz	NOUN
fsr-3530	408	20	are	be	AUX
fsr-3530	408	21	significantly	significantly	ADV
fsr-3530	408	22	less	less	ADV
fsr-3530	408	23	likely	likely	ADJ
fsr-3530	408	24	to	to	PART
fsr-3530	408	25	be	be	AUX
fsr-3530	408	26	interested	interested	ADJ
fsr-3530	408	27	in	in	ADP
fsr-3530	408	28	financial	financial	ADJ
fsr-3530	408	29	education	education	NOUN
fsr-3530	408	30	,	,	PUNCT
fsr-3530	408	31	while	while	SCONJ
fsr-3530	408	32	the	the	DET
fsr-3530	408	33	opposite	opposite	NOUN
fsr-3530	408	34	is	be	AUX
fsr-3530	408	35	true	true	ADJ
fsr-3530	408	36	for	for	ADP
fsr-3530	408	37	financially	financially	ADV
fsr-3530	408	38	literate	literate	ADJ
fsr-3530	408	39	students	student	NOUN
fsr-3530	408	40	who	who	PRON
fsr-3530	408	41	self	self	NOUN
fsr-3530	408	42	-	-	PUNCT
fsr-3530	408	43	report	report	VERB
fsr-3530	408	44	a	a	DET
fsr-3530	408	45	low	low	ADJ
fsr-3530	408	46	level	level	NOUN
fsr-3530	408	47	of	of	ADP
fsr-3530	408	48	financial	financial	ADJ
fsr-3530	408	49	acumen	acuman	NOUN
fsr-3530	408	50	.	.	PUNCT
fsr-3530	409	1	we	we	PRON
fsr-3530	409	2	also	also	ADV
fsr-3530	409	3	find	find	VERB
fsr-3530	409	4	that	that	SCONJ
fsr-3530	409	5	while	while	SCONJ
fsr-3530	409	6	receptivity	receptivity	NOUN
fsr-3530	409	7	to	to	ADP
fsr-3530	409	8	financial	financial	ADJ
fsr-3530	409	9	education	education	NOUN
fsr-3530	409	10	programming	programming	NOUN
fsr-3530	409	11	increases	increase	NOUN
fsr-3530	409	12	significantly	significantly	ADV
fsr-3530	409	13	with	with	ADP
fsr-3530	409	14	financial	financial	ADJ
fsr-3530	409	15	literacy	literacy	NOUN
fsr-3530	409	16	levels	level	NOUN
fsr-3530	409	17	,	,	PUNCT
fsr-3530	409	18	overall	overall	ADJ
fsr-3530	409	19	engagement	engagement	NOUN
fsr-3530	409	20	in	in	ADP
fsr-3530	409	21	financial	financial	ADJ
fsr-3530	409	22	education	education	NOUN
fsr-3530	409	23	is	be	AUX
fsr-3530	409	24	low	low	ADJ
fsr-3530	409	25	,	,	PUNCT
fsr-3530	409	26	despite	despite	SCONJ
fsr-3530	409	27	nearly	nearly	ADV
fsr-3530	409	28	half	half	NOUN
fsr-3530	409	29	of	of	ADP
fsr-3530	409	30	survey	survey	NOUN
fsr-3530	409	31	respondents	respondent	NOUN
fsr-3530	409	32	signaling	signal	VERB
fsr-3530	409	33	interest	interest	NOUN
fsr-3530	409	34	in	in	ADP
fsr-3530	409	35	programming	programming	NOUN
fsr-3530	409	36	.	.	PUNCT
fsr-3530	410	1	the	the	DET
fsr-3530	410	2	students	student	NOUN
fsr-3530	410	3	most	most	ADV
fsr-3530	410	4	likely	likely	ADJ
fsr-3530	410	5	to	to	PART
fsr-3530	410	6	indicate	indicate	VERB
fsr-3530	410	7	interest	interest	NOUN
fsr-3530	410	8	in	in	ADP
fsr-3530	410	9	financial	financial	ADJ
fsr-3530	410	10	education	education	NOUN
fsr-3530	410	11	are	be	AUX
fsr-3530	410	12	the	the	DET
fsr-3530	410	13	ones	one	NOUN
fsr-3530	410	14	with	with	ADP
fsr-3530	410	15	higher	high	ADJ
fsr-3530	410	16	financial	financial	ADJ
fsr-3530	410	17	literacy	literacy	NOUN
fsr-3530	410	18	and	and	CCONJ
fsr-3530	410	19	lower	low	ADJ
fsr-3530	410	20	overconfidence	overconfidence	NOUN
fsr-3530	410	21	in	in	ADP
fsr-3530	410	22	their	their	PRON
fsr-3530	410	23	financial	financial	ADJ
fsr-3530	410	24	literacy	literacy	NOUN
fsr-3530	410	25	.	.	PUNCT
fsr-3530	411	1	our	our	PRON
fsr-3530	411	2	work	work	NOUN
fsr-3530	411	3	adds	add	VERB
fsr-3530	411	4	to	to	ADP
fsr-3530	411	5	the	the	DET
fsr-3530	411	6	small	small	ADJ
fsr-3530	411	7	body	body	NOUN
fsr-3530	411	8	of	of	ADP
fsr-3530	411	9	existing	exist	VERB
fsr-3530	411	10	research	research	NOUN
fsr-3530	411	11	,	,	PUNCT
fsr-3530	411	12	namely	namely	ADV
fsr-3530	411	13	allgood	allgood	NOUN
fsr-3530	411	14	and	and	CCONJ
fsr-3530	411	15	walstad	walstad	PROPN
fsr-3530	411	16	134	134	NUM
fsr-3530	411	17	b.	b.	PROPN
fsr-3530	411	18	j.	j.	PROPN
fsr-3530	411	19	davis	davis	PROPN
fsr-3530	411	20	et	et	PROPN
fsr-3530	411	21	al	al	PROPN
fsr-3530	411	22	.	.	PUNCT
fsr-3530	411	23	/	/	SYM
fsr-3530	411	24	financial	financial	ADJ
fsr-3530	411	25	services	service	NOUN
fsr-3530	411	26	review	review	VERB
fsr-3530	411	27	31	31	NUM
fsr-3530	411	28	(	(	PUNCT
fsr-3530	411	29	2023	2023	NUM
fsr-3530	411	30	)	)	PUNCT
fsr-3530	412	1	133–150	133–150	NUM
fsr-3530	412	2	(	(	PUNCT
fsr-3530	412	3	2016	2016	NUM
fsr-3530	412	4	)	)	PUNCT
fsr-3530	412	5	and	and	CCONJ
fsr-3530	412	6	anderson	anderson	PROPN
fsr-3530	412	7	et	et	PROPN
fsr-3530	412	8	al	al	PROPN
fsr-3530	412	9	.	.	PROPN
fsr-3530	412	10	(	(	PUNCT
fsr-3530	412	11	2017	2017	NUM
fsr-3530	412	12	)	)	PUNCT
fsr-3530	412	13	,	,	PUNCT
fsr-3530	412	14	that	that	PRON
fsr-3530	412	15	perceived	perceive	VERB
fsr-3530	412	16	financial	financial	ADJ
fsr-3530	412	17	literacy	literacy	NOUN
fsr-3530	412	18	and	and	CCONJ
fsr-3530	412	19	actual	actual	ADJ
fsr-3530	412	20	financial	financial	ADJ
fsr-3530	412	21	literacy	literacy	NOUN
fsr-3530	412	22	are	be	AUX
fsr-3530	412	23	dually	dually	ADV
fsr-3530	412	24	important	important	ADJ
fsr-3530	412	25	.	.	PUNCT
fsr-3530	413	1	our	our	PRON
fsr-3530	413	2	results	result	NOUN
fsr-3530	413	3	indicate	indicate	VERB
fsr-3530	413	4	that	that	SCONJ
fsr-3530	413	5	employers	employer	NOUN
fsr-3530	413	6	using	use	VERB
fsr-3530	413	7	financial	financial	ADJ
fsr-3530	413	8	education	education	NOUN
fsr-3530	413	9	programming	programming	NOUN
fsr-3530	413	10	need	need	VERB
fsr-3530	413	11	to	to	PART
fsr-3530	413	12	adopt	adopt	VERB
fsr-3530	413	13	innovative	innovative	ADJ
fsr-3530	413	14	engagement	engagement	NOUN
fsr-3530	413	15	strategies	strategy	NOUN
fsr-3530	413	16	to	to	PART
fsr-3530	413	17	improve	improve	VERB
fsr-3530	413	18	the	the	DET
fsr-3530	413	19	financial	financial	ADJ
fsr-3530	413	20	literacy	literacy	NOUN
fsr-3530	413	21	and	and	CCONJ
fsr-3530	413	22	well	well	ADV
fsr-3530	413	23	-	-	PUNCT
fsr-3530	413	24	being	being	NOUN
fsr-3530	413	25	of	of	ADP
fsr-3530	413	26	those	those	DET
fsr-3530	413	27	employees	employee	NOUN
fsr-3530	413	28	who	who	PRON
fsr-3530	413	29	need	need	VERB
fsr-3530	413	30	it	it	PRON
fsr-3530	413	31	most	most	ADJ
fsr-3530	413	32	.	.	PUNCT
fsr-3530	414	1	2	2	X
fsr-3530	414	2	.	.	X
fsr-3530	414	3	research	research	NOUN
fsr-3530	414	4	design	design	NOUN
fsr-3530	414	5	and	and	CCONJ
fsr-3530	414	6	methodology	methodology	NOUN
fsr-3530	414	7	our	our	PRON
fsr-3530	414	8	educational	educational	ADJ
fsr-3530	414	9	protocol	protocol	NOUN
fsr-3530	414	10	was	be	AUX
fsr-3530	414	11	developed	develop	VERB
fsr-3530	414	12	using	use	VERB
fsr-3530	414	13	an	an	DET
fsr-3530	414	14	early	early	ADJ
fsr-3530	414	15	career	career	NOUN
fsr-3530	414	16	workplace	workplace	NOUN
fsr-3530	414	17	education	education	NOUN
fsr-3530	414	18	offering	offering	NOUN
fsr-3530	414	19	from	from	ADP
fsr-3530	414	20	a	a	DET
fsr-3530	414	21	large	large	ADJ
fsr-3530	414	22	financial	financial	ADJ
fsr-3530	414	23	services	service	NOUN
fsr-3530	414	24	organization.3	organization.3	PROPN
fsr-3530	414	25	we	we	PRON
fsr-3530	414	26	targeted	target	VERB
fsr-3530	414	27	the	the	DET
fsr-3530	414	28	financial	financial	ADJ
fsr-3530	414	29	education	education	NOUN
fsr-3530	414	30	offering	offering	NOUN
fsr-3530	414	31	to	to	ADP
fsr-3530	414	32	the	the	DET
fsr-3530	414	33	entire	entire	ADJ
fsr-3530	414	34	pool	pool	NOUN
fsr-3530	414	35	of	of	ADP
fsr-3530	414	36	graduate	graduate	ADJ
fsr-3530	414	37	students	student	NOUN
fsr-3530	414	38	with	with	ADP
fsr-3530	414	39	the	the	DET
fsr-3530	414	40	following	follow	VERB
fsr-3530	414	41	research	research	NOUN
fsr-3530	414	42	protocol	protocol	NOUN
fsr-3530	414	43	.	.	PUNCT
fsr-3530	415	1	at	at	ADP
fsr-3530	415	2	the	the	DET
fsr-3530	415	3	beginning	beginning	NOUN
fsr-3530	415	4	of	of	ADP
fsr-3530	415	5	the	the	DET
fsr-3530	415	6	academic	academic	ADJ
fsr-3530	415	7	year	year	NOUN
fsr-3530	415	8	,	,	PUNCT
fsr-3530	415	9	and	and	CCONJ
fsr-3530	415	10	ahead	ahead	ADV
fsr-3530	415	11	of	of	ADP
fsr-3530	415	12	inviting	invite	VERB
fsr-3530	415	13	the	the	DET
fsr-3530	415	14	graduate	graduate	ADJ
fsr-3530	415	15	student	student	NOUN
fsr-3530	415	16	population	population	NOUN
fsr-3530	415	17	to	to	PART
fsr-3530	415	18	take	take	VERB
fsr-3530	415	19	our	our	PRON
fsr-3530	415	20	initial	initial	ADJ
fsr-3530	415	21	survey	survey	NOUN
fsr-3530	415	22	,	,	PUNCT
fsr-3530	415	23	we	we	PRON
fsr-3530	415	24	developed	develop	VERB
fsr-3530	415	25	a	a	DET
fsr-3530	415	26	series	series	NOUN
fsr-3530	415	27	of	of	ADP
fsr-3530	415	28	prompts	prompt	NOUN
fsr-3530	415	29	.	.	PUNCT
fsr-3530	416	1	these	these	PRON
fsr-3530	416	2	consisted	consist	VERB
fsr-3530	416	3	of	of	ADP
fsr-3530	416	4	5	5	NUM
fsr-3530	416	5	!	!	SYM
fsr-3530	416	6	7	7	NUM
fsr-3530	416	7	inch	inch	NOUN
fsr-3530	416	8	postcards	postcard	NOUN
fsr-3530	416	9	announcing	announce	VERB
fsr-3530	416	10	the	the	DET
fsr-3530	416	11	project	project	NOUN
fsr-3530	416	12	with	with	ADP
fsr-3530	416	13	lighthearted	lighthearted	ADJ
fsr-3530	416	14	financial	financial	ADJ
fsr-3530	416	15	literacy	literacy	NOUN
fsr-3530	416	16	questions	question	NOUN
fsr-3530	416	17	on	on	ADP
fsr-3530	416	18	a	a	DET
fsr-3530	416	19	front	front	ADJ
fsr-3530	416	20	side	side	NOUN
fsr-3530	416	21	and	and	CCONJ
fsr-3530	416	22	the	the	DET
fsr-3530	416	23	correct	correct	ADJ
fsr-3530	416	24	answer	answer	NOUN
fsr-3530	416	25	along	along	ADP
fsr-3530	416	26	with	with	ADP
fsr-3530	416	27	a	a	DET
fsr-3530	416	28	description	description	NOUN
fsr-3530	416	29	of	of	ADP
fsr-3530	416	30	what	what	PRON
fsr-3530	416	31	to	to	PART
fsr-3530	416	32	expect	expect	VERB
fsr-3530	416	33	next	next	ADV
fsr-3530	416	34	on	on	ADP
fsr-3530	416	35	the	the	DET
fsr-3530	416	36	back.4	back.4	NOUN
fsr-3530	416	37	we	we	PRON
fsr-3530	416	38	developed	develop	VERB
fsr-3530	416	39	three	three	NUM
fsr-3530	416	40	distinct	distinct	ADJ
fsr-3530	416	41	cards	card	NOUN
fsr-3530	416	42	,	,	PUNCT
fsr-3530	416	43	with	with	ADP
fsr-3530	416	44	the	the	DET
fsr-3530	416	45	goal	goal	NOUN
fsr-3530	416	46	that	that	PRON
fsr-3530	416	47	students	student	NOUN
fsr-3530	416	48	might	might	AUX
fsr-3530	416	49	compare	compare	VERB
fsr-3530	416	50	the	the	DET
fsr-3530	416	51	particular	particular	ADJ
fsr-3530	416	52	card	card	NOUN
fsr-3530	416	53	they	they	PRON
fsr-3530	416	54	received	receive	VERB
fsr-3530	416	55	to	to	ADP
fsr-3530	416	56	others	other	NOUN
fsr-3530	416	57	and	and	CCONJ
fsr-3530	416	58	discuss	discuss	VERB
fsr-3530	416	59	them	they	PRON
fsr-3530	416	60	.	.	PUNCT
fsr-3530	417	1	regarding	regard	VERB
fsr-3530	417	2	signals	signal	NOUN
fsr-3530	417	3	of	of	ADP
fsr-3530	417	4	validity	validity	NOUN
fsr-3530	417	5	,	,	PUNCT
fsr-3530	417	6	integrity	integrity	NOUN
fsr-3530	417	7	,	,	PUNCT
fsr-3530	417	8	and	and	CCONJ
fsr-3530	417	9	quality	quality	NOUN
fsr-3530	417	10	of	of	ADP
fsr-3530	417	11	the	the	DET
fsr-3530	417	12	effort	effort	NOUN
fsr-3530	417	13	,	,	PUNCT
fsr-3530	417	14	the	the	DET
fsr-3530	417	15	cards	card	NOUN
fsr-3530	417	16	prominently	prominently	ADV
fsr-3530	417	17	featured	feature	VERB
fsr-3530	417	18	the	the	DET
fsr-3530	417	19	collaborating	collaborate	VERB
fsr-3530	417	20	university	university	NOUN
fsr-3530	417	21	and	and	CCONJ
fsr-3530	417	22	were	be	AUX
fsr-3530	417	23	placed	place	VERB
fsr-3530	417	24	in	in	ADP
fsr-3530	417	25	orientation	orientation	NOUN
fsr-3530	417	26	packets	packet	NOUN
fsr-3530	417	27	for	for	ADP
fsr-3530	417	28	incoming	incoming	ADJ
fsr-3530	417	29	students	student	NOUN
fsr-3530	417	30	by	by	ADP
fsr-3530	417	31	the	the	DET
fsr-3530	417	32	university	university	NOUN
fsr-3530	417	33	.	.	PUNCT
fsr-3530	418	1	the	the	DET
fsr-3530	418	2	university	university	NOUN
fsr-3530	418	3	also	also	ADV
fsr-3530	418	4	placed	place	VERB
fsr-3530	418	5	cards	card	NOUN
fsr-3530	418	6	at	at	ADP
fsr-3530	418	7	each	each	DET
fsr-3530	418	8	department	department	NOUN
fsr-3530	418	9	’s	’s	PART
fsr-3530	418	10	reception	reception	NOUN
fsr-3530	418	11	desk	desk	NOUN
fsr-3530	418	12	.	.	PUNCT
fsr-3530	419	1	a	a	DET
fsr-3530	419	2	research	research	NOUN
fsr-3530	419	3	assistant	assistant	NOUN
fsr-3530	419	4	(	(	PUNCT
fsr-3530	419	5	ra	ra	NOUN
fsr-3530	419	6	)	)	PUNCT
fsr-3530	419	7	was	be	AUX
fsr-3530	419	8	assigned	assign	VERB
fsr-3530	419	9	to	to	PART
fsr-3530	419	10	attend	attend	VERB
fsr-3530	419	11	graduate	graduate	NOUN
fsr-3530	419	12	student	student	NOUN
fsr-3530	419	13	council	council	NOUN
fsr-3530	419	14	meetings	meeting	NOUN
fsr-3530	419	15	and	and	CCONJ
fsr-3530	419	16	other	other	ADJ
fsr-3530	419	17	graduate	graduate	NOUN
fsr-3530	419	18	student	student	NOUN
fsr-3530	419	19	group	group	NOUN
fsr-3530	419	20	meetings	meeting	NOUN
fsr-3530	419	21	of	of	ADP
fsr-3530	419	22	various	various	ADJ
fsr-3530	419	23	types	type	NOUN
fsr-3530	419	24	across	across	ADP
fsr-3530	419	25	the	the	DET
fsr-3530	419	26	university	university	NOUN
fsr-3530	419	27	system	system	NOUN
fsr-3530	419	28	.	.	PUNCT
fsr-3530	420	1	in	in	ADP
fsr-3530	420	2	these	these	DET
fsr-3530	420	3	student	student	NOUN
fsr-3530	420	4	meetings	meeting	NOUN
fsr-3530	420	5	,	,	PUNCT
fsr-3530	420	6	the	the	DET
fsr-3530	420	7	ra	ra	PROPN
fsr-3530	420	8	was	be	AUX
fsr-3530	420	9	granted	grant	VERB
fsr-3530	420	10	five	five	NUM
fsr-3530	420	11	-	-	PUNCT
fsr-3530	420	12	minute	minute	NOUN
fsr-3530	420	13	slots	slot	NOUN
fsr-3530	420	14	to	to	PART
fsr-3530	420	15	discuss	discuss	VERB
fsr-3530	420	16	the	the	DET
fsr-3530	420	17	project	project	NOUN
fsr-3530	420	18	and	and	CCONJ
fsr-3530	420	19	the	the	DET
fsr-3530	420	20	potential	potential	ADJ
fsr-3530	420	21	benefits	benefit	NOUN
fsr-3530	420	22	of	of	ADP
fsr-3530	420	23	participation	participation	NOUN
fsr-3530	420	24	and	and	CCONJ
fsr-3530	420	25	left	leave	VERB
fsr-3530	420	26	cards	card	NOUN
fsr-3530	420	27	at	at	ADP
fsr-3530	420	28	each	each	DET
fsr-3530	420	29	meeting.5	meeting.5	NOUN
fsr-3530	420	30	two	two	NUM
fsr-3530	420	31	weeks	week	NOUN
fsr-3530	420	32	after	after	SCONJ
fsr-3530	420	33	the	the	DET
fsr-3530	420	34	cards	card	NOUN
fsr-3530	420	35	were	be	AUX
fsr-3530	420	36	distributed	distribute	VERB
fsr-3530	420	37	initial	initial	ADJ
fsr-3530	420	38	invitations	invitation	NOUN
fsr-3530	420	39	for	for	ADP
fsr-3530	420	40	the	the	DET
fsr-3530	420	41	online	online	ADJ
fsr-3530	420	42	survey	survey	NOUN
fsr-3530	420	43	were	be	AUX
fsr-3530	420	44	sent	send	VERB
fsr-3530	420	45	to	to	ADP
fsr-3530	420	46	all	all	DET
fsr-3530	420	47	graduate	graduate	ADJ
fsr-3530	420	48	students	student	NOUN
fsr-3530	420	49	(	(	PUNCT
fsr-3530	420	50	17,819	17,819	NUM
fsr-3530	420	51	)	)	PUNCT
fsr-3530	420	52	in	in	ADP
fsr-3530	420	53	a	a	DET
fsr-3530	420	54	large	large	ADJ
fsr-3530	420	55	public	public	ADJ
fsr-3530	420	56	university	university	NOUN
fsr-3530	420	57	system	system	NOUN
fsr-3530	420	58	.	.	PUNCT
fsr-3530	421	1	these	these	DET
fsr-3530	421	2	invitations	invitation	NOUN
fsr-3530	421	3	were	be	AUX
fsr-3530	421	4	designed	design	VERB
fsr-3530	421	5	to	to	PART
fsr-3530	421	6	resonate	resonate	VERB
fsr-3530	421	7	with	with	ADP
fsr-3530	421	8	the	the	DET
fsr-3530	421	9	information	information	NOUN
fsr-3530	421	10	on	on	ADP
fsr-3530	421	11	the	the	DET
fsr-3530	421	12	cards	card	NOUN
fsr-3530	421	13	we	we	PRON
fsr-3530	421	14	had	have	AUX
fsr-3530	421	15	just	just	ADV
fsr-3530	421	16	distributed	distribute	VERB
fsr-3530	421	17	.	.	PUNCT
fsr-3530	422	1	the	the	DET
fsr-3530	422	2	survey	survey	NOUN
fsr-3530	422	3	was	be	AUX
fsr-3530	422	4	designed	design	VERB
fsr-3530	422	5	to	to	PART
fsr-3530	422	6	record	record	VERB
fsr-3530	422	7	information	information	NOUN
fsr-3530	422	8	on	on	ADP
fsr-3530	422	9	students	student	NOUN
fsr-3530	422	10	’	’	PART
fsr-3530	422	11	individual	individual	ADJ
fsr-3530	422	12	and	and	CCONJ
fsr-3530	422	13	educational	educational	ADJ
fsr-3530	422	14	characteristics	characteristic	NOUN
fsr-3530	422	15	,	,	PUNCT
fsr-3530	422	16	financial	financial	ADJ
fsr-3530	422	17	aspirations	aspiration	NOUN
fsr-3530	422	18	,	,	PUNCT
fsr-3530	422	19	personal	personal	ADJ
fsr-3530	422	20	financial	financial	ADJ
fsr-3530	422	21	concerns	concern	NOUN
fsr-3530	422	22	,	,	PUNCT
fsr-3530	422	23	self	self	NOUN
fsr-3530	422	24	-	-	PUNCT
fsr-3530	422	25	assessed	assess	VERB
fsr-3530	422	26	financial	financial	ADJ
fsr-3530	422	27	acumen	acuman	NOUN
fsr-3530	422	28	,	,	PUNCT
fsr-3530	422	29	and	and	CCONJ
fsr-3530	422	30	a	a	DET
fsr-3530	422	31	financial	financial	ADJ
fsr-3530	422	32	literacy	literacy	NOUN
fsr-3530	422	33	quiz.6	quiz.6	PROPN
fsr-3530	422	34	once	once	SCONJ
fsr-3530	422	35	the	the	DET
fsr-3530	422	36	survey	survey	NOUN
fsr-3530	422	37	was	be	AUX
fsr-3530	422	38	completed	complete	VERB
fsr-3530	422	39	,	,	PUNCT
fsr-3530	422	40	we	we	PRON
fsr-3530	422	41	provided	provide	VERB
fsr-3530	422	42	quiz	quiz	NOUN
fsr-3530	422	43	scores	score	NOUN
fsr-3530	422	44	to	to	ADP
fsr-3530	422	45	students	student	NOUN
fsr-3530	422	46	and	and	CCONJ
fsr-3530	422	47	offered	offer	VERB
fsr-3530	422	48	them	they	PRON
fsr-3530	422	49	the	the	DET
fsr-3530	422	50	correct	correct	ADJ
fsr-3530	422	51	answers	answer	NOUN
fsr-3530	422	52	to	to	ADP
fsr-3530	422	53	missed	miss	VERB
fsr-3530	422	54	questions	question	NOUN
fsr-3530	422	55	.	.	PUNCT
fsr-3530	423	1	we	we	PRON
fsr-3530	423	2	then	then	ADV
fsr-3530	423	3	asked	ask	VERB
fsr-3530	423	4	whether	whether	SCONJ
fsr-3530	423	5	a	a	DET
fsr-3530	423	6	respondent	respondent	NOUN
fsr-3530	423	7	was	be	AUX
fsr-3530	423	8	interested	interested	ADJ
fsr-3530	423	9	in	in	ADP
fsr-3530	423	10	taking	take	VERB
fsr-3530	423	11	part	part	NOUN
fsr-3530	423	12	in	in	ADP
fsr-3530	423	13	a	a	DET
fsr-3530	423	14	financial	financial	ADJ
fsr-3530	423	15	education	education	NOUN
fsr-3530	423	16	seminar	seminar	NOUN
fsr-3530	423	17	or	or	CCONJ
fsr-3530	423	18	webinar	webinar	NOUN
fsr-3530	423	19	in	in	ADP
fsr-3530	423	20	the	the	DET
fsr-3530	423	21	near	near	ADJ
fsr-3530	423	22	future	future	NOUN
fsr-3530	423	23	.	.	PUNCT
fsr-3530	424	1	our	our	PRON
fsr-3530	424	2	survey	survey	NOUN
fsr-3530	424	3	was	be	AUX
fsr-3530	424	4	open	open	ADJ
fsr-3530	424	5	for	for	ADP
fsr-3530	424	6	one	one	NUM
fsr-3530	424	7	month	month	NOUN
fsr-3530	424	8	between	between	ADP
fsr-3530	424	9	mid	mid	PROPN
fsr-3530	424	10	-	-	PROPN
fsr-3530	424	11	september	september	PROPN
fsr-3530	424	12	and	and	CCONJ
fsr-3530	424	13	mid	mid	PROPN
fsr-3530	424	14	-	-	PROPN
fsr-3530	424	15	october	october	PROPN
fsr-3530	424	16	,	,	PUNCT
fsr-3530	424	17	ahead	ahead	ADV
fsr-3530	424	18	of	of	ADP
fsr-3530	424	19	midterm	midterm	NOUN
fsr-3530	424	20	examinations	examination	NOUN
fsr-3530	424	21	.	.	PUNCT
fsr-3530	425	1	over	over	ADP
fsr-3530	425	2	this	this	DET
fsr-3530	425	3	four	four	NUM
fsr-3530	425	4	-	-	PUNCT
fsr-3530	425	5	week	week	NOUN
fsr-3530	425	6	period	period	NOUN
fsr-3530	425	7	the	the	DET
fsr-3530	425	8	student	student	NOUN
fsr-3530	425	9	received	receive	VERB
fsr-3530	425	10	an	an	DET
fsr-3530	425	11	initial	initial	ADJ
fsr-3530	425	12	invitation	invitation	NOUN
fsr-3530	425	13	and	and	CCONJ
fsr-3530	425	14	up	up	ADP
fsr-3530	425	15	to	to	PART
fsr-3530	425	16	four	four	NUM
fsr-3530	425	17	reminders	reminder	NOUN
fsr-3530	425	18	targeted	target	VERB
fsr-3530	425	19	to	to	ADP
fsr-3530	425	20	students	student	NOUN
fsr-3530	425	21	who	who	PRON
fsr-3530	425	22	had	have	AUX
fsr-3530	425	23	not	not	PART
fsr-3530	425	24	taken	take	VERB
fsr-3530	425	25	the	the	DET
fsr-3530	425	26	survey	survey	NOUN
fsr-3530	425	27	nor	nor	CCONJ
fsr-3530	425	28	opted	opt	VERB
fsr-3530	425	29	out	out	ADP
fsr-3530	425	30	of	of	ADP
fsr-3530	425	31	email	email	NOUN
fsr-3530	425	32	engagement	engagement	NOUN
fsr-3530	425	33	.	.	PUNCT
fsr-3530	426	1	initial	initial	ADJ
fsr-3530	426	2	and	and	CCONJ
fsr-3530	426	3	reminder	reminder	NOUN
fsr-3530	426	4	response	response	NOUN
fsr-3530	426	5	survey	survey	NOUN
fsr-3530	426	6	engagement	engagement	NOUN
fsr-3530	426	7	rates	rate	NOUN
fsr-3530	426	8	are	be	AUX
fsr-3530	426	9	shown	show	VERB
fsr-3530	426	10	in	in	ADP
fsr-3530	426	11	fig	fig	NOUN
fsr-3530	426	12	.	.	PUNCT
fsr-3530	427	1	1	1	X
fsr-3530	427	2	.	.	X
fsr-3530	428	1	our	our	PRON
fsr-3530	428	2	email	email	NOUN
fsr-3530	428	3	prompts	prompt	VERB
fsr-3530	428	4	to	to	PART
fsr-3530	428	5	engage	engage	VERB
fsr-3530	428	6	the	the	DET
fsr-3530	428	7	survey	survey	NOUN
fsr-3530	428	8	were	be	AUX
fsr-3530	428	9	successful	successful	ADJ
fsr-3530	428	10	with	with	ADP
fsr-3530	428	11	approximately	approximately	ADV
fsr-3530	428	12	60	60	NUM
fsr-3530	428	13	%	%	NOUN
fsr-3530	428	14	of	of	ADP
fsr-3530	428	15	the	the	DET
fsr-3530	428	16	survey	survey	NOUN
fsr-3530	428	17	sample	sample	NOUN
fsr-3530	428	18	engaged	engage	VERB
fsr-3530	428	19	the	the	DET
fsr-3530	428	20	survey	survey	NOUN
fsr-3530	428	21	following	follow	VERB
fsr-3530	428	22	a	a	DET
fsr-3530	428	23	reminder	reminder	NOUN
fsr-3530	428	24	as	as	ADP
fsr-3530	428	25	seen	see	VERB
fsr-3530	428	26	with	with	ADP
fsr-3530	428	27	the	the	DET
fsr-3530	428	28	spikes	spike	NOUN
fsr-3530	428	29	in	in	ADP
fsr-3530	428	30	the	the	DET
fsr-3530	428	31	response	response	NOUN
fsr-3530	428	32	rate	rate	NOUN
fsr-3530	428	33	,	,	PUNCT
fsr-3530	428	34	supporting	support	VERB
fsr-3530	428	35	dechausay	dechausay	PROPN
fsr-3530	428	36	et	et	PROPN
fsr-3530	428	37	al	al	PROPN
fsr-3530	428	38	.	.	PROPN
fsr-3530	428	39	’s	’s	PART
fsr-3530	428	40	(	(	PUNCT
fsr-3530	428	41	2015	2015	NUM
fsr-3530	428	42	)	)	PUNCT
fsr-3530	428	43	result	result	VERB
fsr-3530	428	44	that	that	SCONJ
fsr-3530	428	45	reminders	reminder	NOUN
fsr-3530	428	46	can	can	AUX
fsr-3530	428	47	improve	improve	VERB
fsr-3530	428	48	engagement	engagement	NOUN
fsr-3530	428	49	.	.	PUNCT
fsr-3530	429	1	from	from	ADP
fsr-3530	429	2	the	the	DET
fsr-3530	429	3	initial	initial	ADJ
fsr-3530	429	4	invite	invite	NOUN
fsr-3530	429	5	population	population	NOUN
fsr-3530	429	6	,	,	PUNCT
fsr-3530	429	7	2,487	2,487	NUM
fsr-3530	429	8	students	student	NOUN
fsr-3530	429	9	(	(	PUNCT
fsr-3530	429	10	14	14	NUM
fsr-3530	429	11	%	%	NOUN
fsr-3530	429	12	)	)	PUNCT
fsr-3530	429	13	engaged	engage	VERB
fsr-3530	429	14	the	the	DET
fsr-3530	429	15	survey	survey	NOUN
fsr-3530	429	16	.	.	PUNCT
fsr-3530	430	1	to	to	PART
fsr-3530	430	2	set	set	VERB
fsr-3530	430	3	up	up	ADP
fsr-3530	430	4	the	the	DET
fsr-3530	430	5	second	second	ADJ
fsr-3530	430	6	stage	stage	NOUN
fsr-3530	430	7	of	of	ADP
fsr-3530	430	8	our	our	PRON
fsr-3530	430	9	study	study	NOUN
fsr-3530	430	10	we	we	PRON
fsr-3530	430	11	invited	invite	VERB
fsr-3530	430	12	a	a	DET
fsr-3530	430	13	matched	match	VERB
fsr-3530	430	14	,	,	PUNCT
fsr-3530	430	15	random	random	ADJ
fsr-3530	430	16	subsample	subsample	NOUN
fsr-3530	430	17	of	of	ADP
fsr-3530	430	18	our	our	PRON
fsr-3530	430	19	surveyed	survey	VERB
fsr-3530	430	20	students	student	NOUN
fsr-3530	430	21	to	to	ADP
fsr-3530	430	22	a	a	DET
fsr-3530	430	23	financial	financial	ADJ
fsr-3530	430	24	education	education	NOUN
fsr-3530	430	25	seminar	seminar	NOUN
fsr-3530	430	26	or	or	CCONJ
fsr-3530	430	27	webinar	webinar	NOUN
fsr-3530	430	28	,	,	PUNCT
fsr-3530	430	29	whichever	whichever	PRON
fsr-3530	430	30	they	they	PRON
fsr-3530	430	31	preferred	prefer	VERB
fsr-3530	430	32	.	.	PUNCT
fsr-3530	431	1	we	we	PRON
fsr-3530	431	2	randomly	randomly	ADV
fsr-3530	431	3	selected	select	VERB
fsr-3530	431	4	1,632	1,632	NUM
fsr-3530	431	5	students	student	NOUN
fsr-3530	431	6	to	to	PART
fsr-3530	431	7	match	match	VERB
fsr-3530	431	8	to	to	PART
fsr-3530	431	9	invited	invite	VERB
fsr-3530	431	10	and	and	CCONJ
fsr-3530	431	11	noninvited	noninvite	VERB
fsr-3530	431	12	groups	group	NOUN
fsr-3530	431	13	.	.	PUNCT
fsr-3530	432	1	of	of	ADP
fsr-3530	432	2	the	the	DET
fsr-3530	432	3	1,632	1,632	NUM
fsr-3530	432	4	students	student	NOUN
fsr-3530	432	5	eligible	eligible	ADJ
fsr-3530	432	6	for	for	ADP
fsr-3530	432	7	invitation	invitation	NOUN
fsr-3530	432	8	,	,	PUNCT
fsr-3530	432	9	roughly	roughly	ADV
fsr-3530	432	10	two	two	NUM
fsr-3530	432	11	-	-	PUNCT
fsr-3530	432	12	thirds	third	NOUN
fsr-3530	432	13	(	(	PUNCT
fsr-3530	432	14	1,101	1,101	NUM
fsr-3530	432	15	)	)	PUNCT
fsr-3530	432	16	were	be	AUX
fsr-3530	432	17	invited	invite	VERB
fsr-3530	432	18	to	to	ADP
fsr-3530	432	19	participate.7	participate.7	PROPN
fsr-3530	432	20	our	our	PRON
fsr-3530	432	21	invited	invite	VERB
fsr-3530	432	22	b.	b.	PROPN
fsr-3530	432	23	j.	j.	PROPN
fsr-3530	432	24	davis	davis	PROPN
fsr-3530	432	25	et	et	PROPN
fsr-3530	432	26	al	al	PROPN
fsr-3530	432	27	.	.	PUNCT
fsr-3530	432	28	/	/	SYM
fsr-3530	432	29	financial	financial	ADJ
fsr-3530	432	30	services	service	NOUN
fsr-3530	432	31	review	review	VERB
fsr-3530	432	32	31	31	NUM
fsr-3530	432	33	(	(	PUNCT
fsr-3530	432	34	2023	2023	NUM
fsr-3530	432	35	)	)	PUNCT
fsr-3530	432	36	133–150	133–150	NUM
fsr-3530	432	37	135	135	NUM
fsr-3530	432	38	student	student	NOUN
fsr-3530	432	39	group	group	NOUN
fsr-3530	432	40	was	be	AUX
fsr-3530	432	41	designed	design	VERB
fsr-3530	432	42	to	to	PART
fsr-3530	432	43	be	be	AUX
fsr-3530	432	44	a	a	DET
fsr-3530	432	45	balanced	balanced	ADJ
fsr-3530	432	46	representation	representation	NOUN
fsr-3530	432	47	of	of	ADP
fsr-3530	432	48	participants	participant	NOUN
fsr-3530	432	49	across	across	ADP
fsr-3530	432	50	several	several	ADJ
fsr-3530	432	51	dimensions	dimension	NOUN
fsr-3530	432	52	:	:	PUNCT
fsr-3530	432	53	gender	gender	NOUN
fsr-3530	432	54	,	,	PUNCT
fsr-3530	432	55	degree	degree	NOUN
fsr-3530	432	56	of	of	ADP
fsr-3530	432	57	concern	concern	NOUN
fsr-3530	432	58	regarding	regard	VERB
fsr-3530	432	59	financial	financial	ADJ
fsr-3530	432	60	matters	matter	NOUN
fsr-3530	432	61	,	,	PUNCT
fsr-3530	432	62	score	score	NOUN
fsr-3530	432	63	on	on	ADP
fsr-3530	432	64	the	the	DET
fsr-3530	432	65	financial	financial	ADJ
fsr-3530	432	66	literacy	literacy	NOUN
fsr-3530	432	67	quiz	quiz	NOUN
fsr-3530	432	68	,	,	PUNCT
fsr-3530	432	69	and	and	CCONJ
fsr-3530	432	70	whether	whether	SCONJ
fsr-3530	432	71	or	or	CCONJ
fsr-3530	432	72	not	not	PART
fsr-3530	432	73	the	the	DET
fsr-3530	432	74	student	student	NOUN
fsr-3530	432	75	was	be	AUX
fsr-3530	432	76	in	in	ADP
fsr-3530	432	77	a	a	DET
fsr-3530	432	78	quantitative	quantitative	ADJ
fsr-3530	432	79	field.8	field.8	NOUN
fsr-3530	432	80	invitations	invitation	NOUN
fsr-3530	432	81	were	be	AUX
fsr-3530	432	82	also	also	ADV
fsr-3530	432	83	balanced	balance	VERB
fsr-3530	432	84	across	across	ADP
fsr-3530	432	85	those	those	PRON
fsr-3530	432	86	who	who	PRON
fsr-3530	432	87	did	do	VERB
fsr-3530	432	88	or	or	CCONJ
fsr-3530	432	89	did	do	AUX
fsr-3530	432	90	not	not	PART
fsr-3530	432	91	initially	initially	ADV
fsr-3530	432	92	indicate	indicate	VERB
fsr-3530	432	93	interest	interest	NOUN
fsr-3530	432	94	in	in	ADP
fsr-3530	432	95	the	the	DET
fsr-3530	432	96	program	program	NOUN
fsr-3530	432	97	.	.	PUNCT
fsr-3530	433	1	this	this	PRON
fsr-3530	433	2	allowed	allow	VERB
fsr-3530	433	3	students	student	NOUN
fsr-3530	433	4	to	to	PART
fsr-3530	433	5	change	change	VERB
fsr-3530	433	6	their	their	PRON
fsr-3530	433	7	mind	mind	NOUN
fsr-3530	433	8	if	if	SCONJ
fsr-3530	433	9	they	they	PRON
fsr-3530	433	10	later	later	ADV
fsr-3530	433	11	decided	decide	VERB
fsr-3530	433	12	they	they	PRON
fsr-3530	433	13	wanted	want	VERB
fsr-3530	433	14	to	to	PART
fsr-3530	433	15	attend	attend	VERB
fsr-3530	433	16	.	.	PUNCT
fsr-3530	434	1	the	the	DET
fsr-3530	434	2	invitation	invitation	NOUN
fsr-3530	434	3	email	email	NOUN
fsr-3530	434	4	contained	contain	VERB
fsr-3530	434	5	a	a	DET
fsr-3530	434	6	link	link	NOUN
fsr-3530	434	7	for	for	ADP
fsr-3530	434	8	those	those	PRON
fsr-3530	434	9	wishing	wish	VERB
fsr-3530	434	10	to	to	PART
fsr-3530	434	11	sign	sign	VERB
fsr-3530	434	12	up	up	ADP
fsr-3530	434	13	and	and	CCONJ
fsr-3530	434	14	clicking	click	VERB
fsr-3530	434	15	the	the	DET
fsr-3530	434	16	link	link	NOUN
fsr-3530	434	17	brought	bring	VERB
fsr-3530	434	18	the	the	DET
fsr-3530	434	19	student	student	NOUN
fsr-3530	434	20	to	to	ADP
fsr-3530	434	21	a	a	DET
fsr-3530	434	22	standard	standard	ADJ
fsr-3530	434	23	web	web	NOUN
fsr-3530	434	24	-	-	PUNCT
fsr-3530	434	25	based	base	VERB
fsr-3530	434	26	submission	submission	NOUN
fsr-3530	434	27	form	form	NOUN
fsr-3530	434	28	.	.	PUNCT
fsr-3530	435	1	in	in	ADP
fsr-3530	435	2	the	the	DET
fsr-3530	435	3	invitation	invitation	NOUN
fsr-3530	435	4	to	to	PART
fsr-3530	435	5	participate	participate	VERB
fsr-3530	435	6	,	,	PUNCT
fsr-3530	435	7	we	we	PRON
fsr-3530	435	8	offered	offer	VERB
fsr-3530	435	9	two	two	NUM
fsr-3530	435	10	mid	mid	ADJ
fsr-3530	435	11	-	-	NOUN
fsr-3530	435	12	day	day	NOUN
fsr-3530	435	13	and	and	CCONJ
fsr-3530	435	14	two	two	NUM
fsr-3530	435	15	early	early	ADJ
fsr-3530	435	16	evening	evening	NOUN
fsr-3530	435	17	times	time	NOUN
fsr-3530	435	18	for	for	ADP
fsr-3530	435	19	either	either	CCONJ
fsr-3530	435	20	a	a	DET
fsr-3530	435	21	seminar	seminar	NOUN
fsr-3530	435	22	or	or	CCONJ
fsr-3530	435	23	webinar	webinar	NOUN
fsr-3530	435	24	at	at	ADP
fsr-3530	435	25	each	each	DET
fsr-3530	435	26	campus	campus	NOUN
fsr-3530	435	27	in	in	ADP
fsr-3530	435	28	the	the	DET
fsr-3530	435	29	university	university	NOUN
fsr-3530	435	30	system	system	NOUN
fsr-3530	435	31	.	.	PUNCT
fsr-3530	436	1	we	we	PRON
fsr-3530	436	2	also	also	ADV
fsr-3530	436	3	offered	offer	VERB
fsr-3530	436	4	lunch	lunch	NOUN
fsr-3530	436	5	or	or	CCONJ
fsr-3530	436	6	dinner	dinner	NOUN
fsr-3530	436	7	to	to	ADP
fsr-3530	436	8	seminar	seminar	NOUN
fsr-3530	436	9	participants	participant	NOUN
fsr-3530	436	10	;	;	PUNCT
fsr-3530	436	11	something	something	PRON
fsr-3530	436	12	our	our	PRON
fsr-3530	436	13	pilot	pilot	NOUN
fsr-3530	436	14	run	run	VERB
fsr-3530	436	15	in	in	ADP
fsr-3530	436	16	the	the	DET
fsr-3530	436	17	previous	previous	ADJ
fsr-3530	436	18	year	year	NOUN
fsr-3530	436	19	had	have	AUX
fsr-3530	436	20	revealed	reveal	VERB
fsr-3530	436	21	as	as	ADP
fsr-3530	436	22	being	be	AUX
fsr-3530	436	23	important	important	ADJ
fsr-3530	436	24	.	.	PUNCT
fsr-3530	437	1	3	3	X
fsr-3530	437	2	.	.	NOUN
fsr-3530	437	3	results	result	NOUN
fsr-3530	437	4	in	in	ADP
fsr-3530	437	5	this	this	DET
fsr-3530	437	6	section	section	NOUN
fsr-3530	437	7	we	we	PRON
fsr-3530	437	8	present	present	VERB
fsr-3530	437	9	results	result	NOUN
fsr-3530	437	10	from	from	ADP
fsr-3530	437	11	our	our	PRON
fsr-3530	437	12	survey	survey	NOUN
fsr-3530	437	13	and	and	CCONJ
fsr-3530	437	14	financial	financial	ADJ
fsr-3530	437	15	education	education	NOUN
fsr-3530	437	16	engagement	engagement	NOUN
fsr-3530	437	17	protocol	protocol	NOUN
fsr-3530	437	18	.	.	PUNCT
fsr-3530	438	1	we	we	PRON
fsr-3530	438	2	begin	begin	VERB
fsr-3530	438	3	by	by	ADP
fsr-3530	438	4	examining	examine	VERB
fsr-3530	438	5	the	the	DET
fsr-3530	438	6	demographic	demographic	ADJ
fsr-3530	438	7	,	,	PUNCT
fsr-3530	438	8	educational	educational	ADJ
fsr-3530	438	9	field	field	NOUN
fsr-3530	438	10	,	,	PUNCT
fsr-3530	438	11	and	and	CCONJ
fsr-3530	438	12	financial	financial	ADJ
fsr-3530	438	13	literacy	literacy	NOUN
fsr-3530	438	14	characteristics	characteristic	NOUN
fsr-3530	438	15	of	of	ADP
fsr-3530	438	16	students	student	NOUN
fsr-3530	438	17	who	who	PRON
fsr-3530	438	18	engaged	engage	VERB
fsr-3530	438	19	the	the	DET
fsr-3530	438	20	survey	survey	NOUN
fsr-3530	438	21	.	.	PUNCT
fsr-3530	439	1	section	section	NOUN
fsr-3530	439	2	3.2	3.2	NUM
fsr-3530	439	3	examines	examine	VERB
fsr-3530	439	4	how	how	SCONJ
fsr-3530	439	5	financial	financial	ADJ
fsr-3530	439	6	literacy	literacy	NOUN
fsr-3530	439	7	(	(	PUNCT
fsr-3530	439	8	both	both	PRON
fsr-3530	439	9	self	self	NOUN
fsr-3530	439	10	-	-	PUNCT
fsr-3530	439	11	assessed	assess	VERB
fsr-3530	439	12	and	and	CCONJ
fsr-3530	439	13	actual	actual	ADJ
fsr-3530	439	14	)	)	PUNCT
fsr-3530	439	15	relate	relate	VERB
fsr-3530	439	16	to	to	ADP
fsr-3530	439	17	interest	interest	NOUN
fsr-3530	439	18	in	in	ADP
fsr-3530	439	19	attending	attend	VERB
fsr-3530	439	20	a	a	DET
fsr-3530	439	21	financial	financial	ADJ
fsr-3530	439	22	education	education	NOUN
fsr-3530	439	23	seminar	seminar	NOUN
fsr-3530	439	24	.	.	PUNCT
fsr-3530	440	1	in	in	ADP
fsr-3530	440	2	section	section	NOUN
fsr-3530	440	3	3.3	3.3	NUM
fsr-3530	440	4	,	,	PUNCT
fsr-3530	440	5	we	we	PRON
fsr-3530	440	6	use	use	VERB
fsr-3530	440	7	regression	regression	NOUN
fsr-3530	440	8	analyses	analysis	NOUN
fsr-3530	440	9	to	to	PART
fsr-3530	440	10	examine	examine	VERB
fsr-3530	440	11	correlates	correlate	NOUN
fsr-3530	440	12	of	of	ADP
fsr-3530	440	13	interest	interest	NOUN
fsr-3530	440	14	in	in	ADP
fsr-3530	440	15	financial	financial	ADJ
fsr-3530	440	16	education	education	NOUN
fsr-3530	440	17	interest	interest	NOUN
fsr-3530	440	18	and	and	CCONJ
fsr-3530	440	19	engagement	engagement	NOUN
fsr-3530	440	20	.	.	PUNCT
fsr-3530	441	1	3.1	3.1	NUM
fsr-3530	441	2	.	.	PUNCT
fsr-3530	442	1	survey	survey	NOUN
fsr-3530	442	2	sample	sample	NOUN
fsr-3530	442	3	characteristics	characteristic	NOUN
fsr-3530	442	4	table	table	NOUN
fsr-3530	442	5	1	1	NUM
fsr-3530	442	6	presents	present	NOUN
fsr-3530	442	7	characteristics	characteristic	NOUN
fsr-3530	442	8	of	of	ADP
fsr-3530	442	9	survey	survey	NOUN
fsr-3530	442	10	respondents	respondent	NOUN
fsr-3530	442	11	.	.	PUNCT
fsr-3530	443	1	the	the	DET
fsr-3530	443	2	average	average	ADJ
fsr-3530	443	3	student	student	NOUN
fsr-3530	443	4	who	who	PRON
fsr-3530	443	5	participated	participate	VERB
fsr-3530	443	6	in	in	ADP
fsr-3530	443	7	the	the	DET
fsr-3530	443	8	survey	survey	NOUN
fsr-3530	443	9	is	be	AUX
fsr-3530	443	10	nearly	nearly	ADV
fsr-3530	443	11	30	30	NUM
fsr-3530	443	12	years	year	NOUN
fsr-3530	443	13	old	old	ADJ
fsr-3530	443	14	and	and	CCONJ
fsr-3530	443	15	has	have	VERB
fsr-3530	443	16	almost	almost	ADV
fsr-3530	443	17	10	10	NUM
fsr-3530	443	18	graduate	graduate	ADJ
fsr-3530	443	19	course	course	NOUN
fsr-3530	443	20	credits	credit	NOUN
fsr-3530	443	21	.	.	PUNCT
fsr-3530	444	1	women	woman	NOUN
fsr-3530	444	2	(	(	PUNCT
fsr-3530	444	3	57	57	NUM
fsr-3530	444	4	%	%	NOUN
fsr-3530	444	5	)	)	PUNCT
fsr-3530	444	6	were	be	AUX
fsr-3530	444	7	more	more	ADV
fsr-3530	444	8	likely	likely	ADJ
fsr-3530	444	9	to	to	PART
fsr-3530	444	10	participate	participate	VERB
fsr-3530	444	11	compared	compare	VERB
fsr-3530	444	12	to	to	ADP
fsr-3530	444	13	men	man	NOUN
fsr-3530	444	14	,	,	PUNCT
fsr-3530	444	15	approximately	approximately	ADV
fsr-3530	444	16	a	a	DET
fsr-3530	444	17	quarter	quarter	NOUN
fsr-3530	444	18	are	be	AUX
fsr-3530	444	19	fig	fig	NOUN
fsr-3530	444	20	.	.	PUNCT
fsr-3530	445	1	1	1	X
fsr-3530	445	2	.	.	X
fsr-3530	445	3	survey	survey	NOUN
fsr-3530	445	4	response	response	NOUN
fsr-3530	445	5	rates	rate	NOUN
fsr-3530	445	6	.	.	PUNCT
fsr-3530	446	1	136	136	NUM
fsr-3530	446	2	b.	b.	PROPN
fsr-3530	446	3	j.	j.	PROPN
fsr-3530	446	4	davis	davis	PROPN
fsr-3530	446	5	et	et	PROPN
fsr-3530	446	6	al	al	PROPN
fsr-3530	446	7	.	.	PUNCT
fsr-3530	446	8	/	/	SYM
fsr-3530	446	9	financial	financial	ADJ
fsr-3530	446	10	services	service	NOUN
fsr-3530	446	11	review	review	VERB
fsr-3530	446	12	31	31	NUM
fsr-3530	446	13	(	(	PUNCT
fsr-3530	446	14	2023	2023	NUM
fsr-3530	446	15	)	)	PUNCT
fsr-3530	446	16	133–150	133–150	NUM
fsr-3530	446	17	international	international	ADJ
fsr-3530	446	18	students	student	NOUN
fsr-3530	446	19	,	,	PUNCT
fsr-3530	446	20	57	57	NUM
fsr-3530	446	21	%	%	NOUN
fsr-3530	446	22	of	of	ADP
fsr-3530	446	23	the	the	DET
fsr-3530	446	24	graduate	graduate	NOUN
fsr-3530	446	25	students	student	NOUN
fsr-3530	446	26	attend	attend	VERB
fsr-3530	446	27	the	the	DET
fsr-3530	446	28	flagship	flagship	NOUN
fsr-3530	446	29	campus	campus	NOUN
fsr-3530	446	30	,	,	PUNCT
fsr-3530	446	31	and	and	CCONJ
fsr-3530	446	32	nearly	nearly	ADV
fsr-3530	446	33	one	one	NUM
fsr-3530	446	34	in	in	ADP
fsr-3530	446	35	four	four	NUM
fsr-3530	446	36	graduate	graduate	NOUN
fsr-3530	446	37	students	student	NOUN
fsr-3530	446	38	work	work	VERB
fsr-3530	446	39	as	as	ADP
fsr-3530	446	40	research	research	NOUN
fsr-3530	446	41	or	or	CCONJ
fsr-3530	446	42	teaching	teaching	NOUN
fsr-3530	446	43	assistants	assistant	NOUN
fsr-3530	446	44	.	.	PUNCT
fsr-3530	447	1	half	half	NOUN
fsr-3530	447	2	of	of	ADP
fsr-3530	447	3	the	the	DET
fsr-3530	447	4	students	student	NOUN
fsr-3530	447	5	in	in	ADP
fsr-3530	447	6	the	the	DET
fsr-3530	447	7	sample	sample	NOUN
fsr-3530	447	8	are	be	AUX
fsr-3530	447	9	pursuing	pursue	VERB
fsr-3530	447	10	a	a	DET
fsr-3530	447	11	master	master	NOUN
fsr-3530	447	12	’s	’s	PART
fsr-3530	447	13	degree	degree	NOUN
fsr-3530	447	14	,	,	PUNCT
fsr-3530	447	15	over	over	ADP
fsr-3530	447	16	a	a	DET
fsr-3530	447	17	quarter	quarter	NOUN
fsr-3530	447	18	a	a	DET
fsr-3530	447	19	doctorate	doctorate	NOUN
fsr-3530	447	20	,	,	PUNCT
fsr-3530	447	21	and	and	CCONJ
fsr-3530	447	22	other	other	ADJ
fsr-3530	447	23	degree	degree	NOUN
fsr-3530	447	24	types	type	NOUN
fsr-3530	447	25	represent	represent	VERB
fsr-3530	447	26	less	less	ADJ
fsr-3530	447	27	than	than	ADP
fsr-3530	447	28	10	10	NUM
fsr-3530	447	29	%	%	NOUN
fsr-3530	447	30	of	of	ADP
fsr-3530	447	31	the	the	DET
fsr-3530	447	32	survey	survey	NOUN
fsr-3530	447	33	respondents	respondent	NOUN
fsr-3530	447	34	.	.	PUNCT
fsr-3530	448	1	about	about	ADV
fsr-3530	448	2	two	two	NUM
fsr-3530	448	3	-	-	PUNCT
fsr-3530	448	4	thirds	third	NOUN
fsr-3530	448	5	of	of	ADP
fsr-3530	448	6	survey	survey	NOUN
fsr-3530	448	7	participants	participant	NOUN
fsr-3530	448	8	have	have	VERB
fsr-3530	448	9	prior	prior	ADJ
fsr-3530	448	10	work	work	NOUN
fsr-3530	448	11	experience	experience	NOUN
fsr-3530	448	12	.	.	PUNCT
fsr-3530	449	1	we	we	PRON
fsr-3530	449	2	categorize	categorize	VERB
fsr-3530	449	3	a	a	DET
fsr-3530	449	4	student	student	NOUN
fsr-3530	449	5	’s	’s	PART
fsr-3530	449	6	program	program	NOUN
fsr-3530	449	7	or	or	CCONJ
fsr-3530	449	8	major	major	ADJ
fsr-3530	449	9	into	into	ADP
fsr-3530	449	10	four	four	NUM
fsr-3530	449	11	mutually	mutually	ADV
fsr-3530	449	12	exclusive	exclusive	ADJ
fsr-3530	449	13	groups	group	NOUN
fsr-3530	449	14	:	:	PUNCT
fsr-3530	449	15	liberal	liberal	ADJ
fsr-3530	449	16	arts	art	NOUN
fsr-3530	449	17	(	(	PUNCT
fsr-3530	449	18	e.g.	e.g.	ADV
fsr-3530	449	19	,	,	PUNCT
fsr-3530	449	20	liberal	liberal	ADJ
fsr-3530	449	21	arts	art	NOUN
fsr-3530	449	22	,	,	PUNCT
fsr-3530	449	23	humanities	humanity	NOUN
fsr-3530	449	24	,	,	PUNCT
fsr-3530	449	25	language	language	NOUN
fsr-3530	449	26	,	,	PUNCT
fsr-3530	449	27	music	music	NOUN
fsr-3530	449	28	,	,	PUNCT
fsr-3530	449	29	and	and	CCONJ
fsr-3530	449	30	social	social	ADJ
fsr-3530	449	31	sciences	science	NOUN
fsr-3530	449	32	)	)	PUNCT
fsr-3530	449	33	,	,	PUNCT
fsr-3530	449	34	stem	stem	NOUN
fsr-3530	449	35	(	(	PUNCT
fsr-3530	449	36	e.g.	e.g.	ADV
fsr-3530	449	37	,	,	PUNCT
fsr-3530	449	38	science	science	NOUN
fsr-3530	449	39	,	,	PUNCT
fsr-3530	449	40	engineering	engineering	NOUN
fsr-3530	449	41	,	,	PUNCT
fsr-3530	449	42	medicine	medicine	NOUN
fsr-3530	449	43	,	,	PUNCT
fsr-3530	449	44	mathematics	mathematic	NOUN
fsr-3530	449	45	,	,	PUNCT
fsr-3530	449	46	and	and	CCONJ
fsr-3530	449	47	technology	technology	NOUN
fsr-3530	449	48	)	)	PUNCT
fsr-3530	449	49	,	,	PUNCT
fsr-3530	449	50	professional	professional	NOUN
fsr-3530	449	51	(	(	PUNCT
fsr-3530	449	52	e.g.	e.g.	ADJ
fsr-3530	449	53	,	,	PUNCT
fsr-3530	449	54	public	public	ADJ
fsr-3530	449	55	health	health	NOUN
fsr-3530	449	56	,	,	PUNCT
fsr-3530	449	57	public	public	ADJ
fsr-3530	449	58	administration	administration	NOUN
fsr-3530	449	59	,	,	PUNCT
fsr-3530	449	60	education	education	NOUN
fsr-3530	449	61	,	,	PUNCT
fsr-3530	449	62	nursing	nursing	NOUN
fsr-3530	449	63	,	,	PUNCT
fsr-3530	449	64	law	law	NOUN
fsr-3530	449	65	,	,	PUNCT
fsr-3530	449	66	and	and	CCONJ
fsr-3530	449	67	other	other	ADJ
fsr-3530	449	68	(	(	PUNCT
fsr-3530	449	69	pre)professional	pre)professional	ADJ
fsr-3530	449	70	programs	program	NOUN
fsr-3530	449	71	)	)	PUNCT
fsr-3530	449	72	,	,	PUNCT
fsr-3530	449	73	and	and	CCONJ
fsr-3530	449	74	business	business	NOUN
fsr-3530	449	75	(	(	PUNCT
fsr-3530	449	76	e.g.	e.g.	ADV
fsr-3530	449	77	,	,	PUNCT
fsr-3530	449	78	economics	economic	NOUN
fsr-3530	449	79	,	,	PUNCT
fsr-3530	449	80	finance	finance	NOUN
fsr-3530	449	81	,	,	PUNCT
fsr-3530	449	82	business	business	NOUN
fsr-3530	449	83	,	,	PUNCT
fsr-3530	449	84	and	and	CCONJ
fsr-3530	449	85	accounting	accounting	NOUN
fsr-3530	449	86	)	)	PUNCT
fsr-3530	449	87	.	.	PUNCT
fsr-3530	450	1	enrollment	enrollment	NOUN
fsr-3530	450	2	in	in	ADP
fsr-3530	450	3	a	a	DET
fsr-3530	450	4	professional	professional	ADJ
fsr-3530	450	5	program	program	NOUN
fsr-3530	450	6	represents	represent	VERB
fsr-3530	450	7	the	the	DET
fsr-3530	450	8	plurality	plurality	NOUN
fsr-3530	450	9	of	of	ADP
fsr-3530	450	10	students	student	NOUN
fsr-3530	450	11	surveyed	survey	VERB
fsr-3530	450	12	(	(	PUNCT
fsr-3530	450	13	37	37	NUM
fsr-3530	450	14	%	%	NOUN
fsr-3530	450	15	)	)	PUNCT
fsr-3530	450	16	followed	follow	VERB
fsr-3530	450	17	by	by	ADP
fsr-3530	450	18	enrollment	enrollment	NOUN
fsr-3530	450	19	in	in	ADP
fsr-3530	450	20	stem	stem	NOUN
fsr-3530	450	21	(	(	PUNCT
fsr-3530	450	22	27	27	NUM
fsr-3530	450	23	%	%	NOUN
fsr-3530	450	24	)	)	PUNCT
fsr-3530	450	25	,	,	PUNCT
fsr-3530	450	26	liberal	liberal	ADJ
fsr-3530	450	27	arts	art	NOUN
fsr-3530	450	28	(	(	PUNCT
fsr-3530	450	29	20	20	NUM
fsr-3530	450	30	%	%	NOUN
fsr-3530	450	31	)	)	PUNCT
fsr-3530	450	32	,	,	PUNCT
fsr-3530	450	33	and	and	CCONJ
fsr-3530	450	34	business	business	NOUN
fsr-3530	450	35	(	(	PUNCT
fsr-3530	450	36	14	14	NUM
fsr-3530	450	37	%	%	NOUN
fsr-3530	450	38	)	)	PUNCT
fsr-3530	450	39	programs	program	NOUN
fsr-3530	450	40	.	.	PUNCT
fsr-3530	451	1	table	table	NOUN
fsr-3530	451	2	2	2	NUM
fsr-3530	451	3	displays	display	VERB
fsr-3530	451	4	financial	financial	ADJ
fsr-3530	451	5	education	education	NOUN
fsr-3530	451	6	engagement	engagement	NOUN
fsr-3530	451	7	numbers	number	NOUN
fsr-3530	451	8	.	.	PUNCT
fsr-3530	452	1	of	of	ADP
fsr-3530	452	2	the	the	DET
fsr-3530	452	3	nearly	nearly	ADV
fsr-3530	452	4	18,000	18,000	NUM
fsr-3530	452	5	students	student	NOUN
fsr-3530	452	6	we	we	PRON
fsr-3530	452	7	sent	send	VERB
fsr-3530	452	8	a	a	DET
fsr-3530	452	9	survey	survey	NOUN
fsr-3530	452	10	,	,	PUNCT
fsr-3530	452	11	about	about	ADV
fsr-3530	452	12	14	14	NUM
fsr-3530	452	13	%	%	NOUN
fsr-3530	452	14	(	(	PUNCT
fsr-3530	452	15	2,487	2,487	NUM
fsr-3530	452	16	)	)	PUNCT
fsr-3530	452	17	responded	respond	VERB
fsr-3530	452	18	.	.	PUNCT
fsr-3530	453	1	of	of	ADP
fsr-3530	453	2	the	the	DET
fsr-3530	453	3	representative	representative	NOUN
fsr-3530	453	4	1,101	1,101	NUM
fsr-3530	453	5	students	student	NOUN
fsr-3530	453	6	to	to	PART
fsr-3530	453	7	whom	whom	PRON
fsr-3530	453	8	we	we	PRON
fsr-3530	453	9	sent	send	VERB
fsr-3530	453	10	invitations	invitation	NOUN
fsr-3530	453	11	for	for	ADP
fsr-3530	453	12	a	a	DET
fsr-3530	453	13	financial	financial	ADJ
fsr-3530	453	14	education	education	NOUN
fsr-3530	453	15	session	session	NOUN
fsr-3530	453	16	,	,	PUNCT
fsr-3530	453	17	16	16	NUM
fsr-3530	453	18	%	%	NOUN
fsr-3530	453	19	(	(	PUNCT
fsr-3530	453	20	176	176	NUM
fsr-3530	453	21	)	)	PUNCT
fsr-3530	453	22	accepted	accept	VERB
fsr-3530	453	23	.	.	PUNCT
fsr-3530	454	1	among	among	ADP
fsr-3530	454	2	the	the	DET
fsr-3530	454	3	accepted	accepted	ADJ
fsr-3530	454	4	group	group	NOUN
fsr-3530	454	5	,	,	PUNCT
fsr-3530	454	6	36	36	NUM
fsr-3530	454	7	%	%	NOUN
fsr-3530	454	8	(	(	PUNCT
fsr-3530	454	9	64	64	NUM
fsr-3530	454	10	)	)	PUNCT
fsr-3530	454	11	attended	attend	VERB
fsr-3530	454	12	a	a	DET
fsr-3530	454	13	session	session	NOUN
fsr-3530	454	14	with	with	ADP
fsr-3530	454	15	44	44	NUM
fsr-3530	454	16	opting	opt	VERB
fsr-3530	454	17	for	for	ADP
fsr-3530	454	18	an	an	DET
fsr-3530	454	19	in	in	ADP
fsr-3530	454	20	-	-	PUNCT
fsr-3530	454	21	person	person	NOUN
fsr-3530	454	22	seminar	seminar	NOUN
fsr-3530	454	23	and	and	CCONJ
fsr-3530	454	24	20	20	NUM
fsr-3530	454	25	for	for	ADP
fsr-3530	454	26	an	an	DET
fsr-3530	454	27	online	online	ADJ
fsr-3530	454	28	webinar	webinar	NOUN
fsr-3530	454	29	.	.	PUNCT
fsr-3530	455	1	acceptance	acceptance	NOUN
fsr-3530	455	2	rates	rate	NOUN
fsr-3530	455	3	for	for	ADP
fsr-3530	455	4	students	student	NOUN
fsr-3530	455	5	who	who	PRON
fsr-3530	455	6	initially	initially	ADV
fsr-3530	455	7	indicated	indicate	VERB
fsr-3530	455	8	interest	interest	NOUN
fsr-3530	455	9	(	(	PUNCT
fsr-3530	455	10	25	25	NUM
fsr-3530	455	11	%	%	NOUN
fsr-3530	455	12	)	)	PUNCT
fsr-3530	455	13	were	be	AUX
fsr-3530	455	14	significantly	significantly	ADV
fsr-3530	455	15	higher	high	ADJ
fsr-3530	455	16	than	than	ADP
fsr-3530	455	17	those	those	PRON
fsr-3530	455	18	who	who	PRON
fsr-3530	455	19	did	do	AUX
fsr-3530	455	20	not	not	PART
fsr-3530	455	21	signal	signal	VERB
fsr-3530	455	22	interest	interest	NOUN
fsr-3530	455	23	(	(	PUNCT
fsr-3530	455	24	8	8	NUM
fsr-3530	455	25	%	%	NOUN
fsr-3530	455	26	)	)	PUNCT
fsr-3530	455	27	.	.	PUNCT
fsr-3530	456	1	program	program	NOUN
fsr-3530	456	2	attendance	attendance	NOUN
fsr-3530	456	3	rates	rate	NOUN
fsr-3530	456	4	for	for	ADP
fsr-3530	456	5	those	those	PRON
fsr-3530	456	6	initially	initially	ADV
fsr-3530	456	7	indicating	indicate	VERB
fsr-3530	456	8	interest	interest	NOUN
fsr-3530	456	9	were	be	AUX
fsr-3530	456	10	also	also	ADV
fsr-3530	456	11	higher	high	ADJ
fsr-3530	456	12	(	(	PUNCT
fsr-3530	456	13	39	39	NUM
fsr-3530	456	14	%	%	NOUN
fsr-3530	456	15	vs.	vs.	ADP
fsr-3530	456	16	29	29	NUM
fsr-3530	456	17	%	%	NOUN
fsr-3530	456	18	)	)	PUNCT
fsr-3530	456	19	but	but	CCONJ
fsr-3530	456	20	the	the	DET
fsr-3530	456	21	difference	difference	NOUN
fsr-3530	456	22	is	be	AUX
fsr-3530	456	23	not	not	PART
fsr-3530	456	24	significant	significant	ADJ
fsr-3530	456	25	.	.	PUNCT
fsr-3530	457	1	we	we	PRON
fsr-3530	457	2	next	next	ADV
fsr-3530	457	3	tabulate	tabulate	VERB
fsr-3530	457	4	personal	personal	ADJ
fsr-3530	457	5	financial	financial	ADJ
fsr-3530	457	6	characteristics	characteristic	NOUN
fsr-3530	457	7	and	and	CCONJ
fsr-3530	457	8	engagement	engagement	NOUN
fsr-3530	457	9	across	across	ADP
fsr-3530	457	10	program	program	NOUN
fsr-3530	457	11	type	type	NOUN
fsr-3530	457	12	and	and	CCONJ
fsr-3530	457	13	survey	survey	NOUN
fsr-3530	457	14	variables	variable	NOUN
fsr-3530	457	15	.	.	PUNCT
fsr-3530	458	1	table	table	NOUN
fsr-3530	458	2	3	3	NUM
fsr-3530	458	3	panel	panel	NOUN
fsr-3530	458	4	a	a	DET
fsr-3530	458	5	displays	display	NOUN
fsr-3530	458	6	measurements	measurement	NOUN
fsr-3530	458	7	of	of	ADP
fsr-3530	458	8	financial	financial	ADJ
fsr-3530	458	9	literacy	literacy	NOUN
fsr-3530	458	10	,	,	PUNCT
fsr-3530	458	11	personal	personal	ADJ
fsr-3530	458	12	financial	financial	ADJ
fsr-3530	458	13	concerns	concern	NOUN
fsr-3530	458	14	,	,	PUNCT
fsr-3530	458	15	and	and	CCONJ
fsr-3530	458	16	education	education	NOUN
fsr-3530	458	17	engagement	engagement	NOUN
fsr-3530	458	18	for	for	ADP
fsr-3530	458	19	all	all	DET
fsr-3530	458	20	surveyed	survey	VERB
fsr-3530	458	21	students	student	NOUN
fsr-3530	458	22	by	by	ADP
fsr-3530	458	23	program	program	NOUN
fsr-3530	458	24	type	type	NOUN
fsr-3530	458	25	.	.	PUNCT
fsr-3530	459	1	financial	financial	ADJ
fsr-3530	459	2	literacy	literacy	NOUN
fsr-3530	459	3	quiz	quiz	NOUN
fsr-3530	459	4	score	score	NOUN
fsr-3530	459	5	is	be	AUX
fsr-3530	459	6	the	the	DET
fsr-3530	459	7	average	average	ADJ
fsr-3530	459	8	number	number	NOUN
fsr-3530	459	9	of	of	ADP
fsr-3530	459	10	questions	question	NOUN
fsr-3530	459	11	students	student	NOUN
fsr-3530	459	12	answered	answer	VERB
fsr-3530	459	13	correctly	correctly	ADV
fsr-3530	459	14	on	on	ADP
fsr-3530	459	15	our	our	PRON
fsr-3530	459	16	financial	financial	ADJ
fsr-3530	459	17	quiz	quiz	NOUN
fsr-3530	459	18	(	(	PUNCT
fsr-3530	459	19	out	out	ADP
fsr-3530	459	20	of	of	ADP
fsr-3530	459	21	12).9	12).9	NUM
fsr-3530	459	22	financial	financial	ADJ
fsr-3530	459	23	iq	iq	NOUN
fsr-3530	459	24	is	be	AUX
fsr-3530	459	25	the	the	DET
fsr-3530	459	26	average	average	NOUN
fsr-3530	459	27	of	of	ADP
fsr-3530	459	28	students	student	NOUN
fsr-3530	459	29	self	self	NOUN
fsr-3530	459	30	-	-	PUNCT
fsr-3530	459	31	assessed	assess	VERB
fsr-3530	459	32	rating	rating	NOUN
fsr-3530	459	33	of	of	ADP
fsr-3530	459	34	how	how	SCONJ
fsr-3530	459	35	high	high	ADJ
fsr-3530	459	36	their	their	PRON
fsr-3530	459	37	financial	financial	ADJ
fsr-3530	459	38	knowledge	knowledge	NOUN
fsr-3530	459	39	or	or	CCONJ
fsr-3530	459	40	iq	iq	NOUN
fsr-3530	459	41	is	be	AUX
fsr-3530	459	42	,	,	PUNCT
fsr-3530	459	43	ranging	range	VERB
fsr-3530	459	44	from	from	ADP
fsr-3530	459	45	1	1	NUM
fsr-3530	459	46	(	(	PUNCT
fsr-3530	459	47	very	very	ADV
fsr-3530	459	48	low	low	ADJ
fsr-3530	459	49	)	)	PUNCT
fsr-3530	459	50	to	to	ADP
fsr-3530	459	51	(	(	PUNCT
fsr-3530	459	52	7	7	NUM
fsr-3530	459	53	very	very	ADV
fsr-3530	459	54	high	high	ADJ
fsr-3530	459	55	)	)	PUNCT
fsr-3530	459	56	.	.	PUNCT
fsr-3530	460	1	relative	relative	ADJ
fsr-3530	460	2	finiq	finiq	ADJ
fsr-3530	460	3	is	be	AUX
fsr-3530	460	4	an	an	DET
fsr-3530	460	5	individual	individual	NOUN
fsr-3530	460	6	’s	’s	PART
fsr-3530	460	7	relative	relative	ADJ
fsr-3530	460	8	financial	financial	ADJ
fsr-3530	460	9	knowledge	knowledge	NOUN
fsr-3530	460	10	calculated	calculate	VERB
fsr-3530	460	11	as	as	ADP
fsr-3530	460	12	the	the	DET
fsr-3530	460	13	table	table	NOUN
fsr-3530	460	14	1	1	NUM
fsr-3530	460	15	characteristics	characteristic	NOUN
fsr-3530	460	16	of	of	ADP
fsr-3530	460	17	targeted	target	VERB
fsr-3530	460	18	graduate	graduate	NOUN
fsr-3530	460	19	student	student	NOUN
fsr-3530	460	20	population	population	NOUN
fsr-3530	460	21	student	student	NOUN
fsr-3530	460	22	survey	survey	PROPN
fsr-3530	460	23	sample	sample	NOUN
fsr-3530	460	24	summary	summary	NOUN
fsr-3530	460	25	statistics	statistic	NOUN
fsr-3530	460	26	mean/	mean/	NUM
fsr-3530	460	27	proportion	proportion	NOUN
fsr-3530	460	28	standard	standard	ADJ
fsr-3530	460	29	deviation	deviation	NOUN
fsr-3530	460	30	obs	obs	NOUN
fsr-3530	460	31	proportion	proportion	PROPN
fsr-3530	460	32	obs	obs	PROPN
fsr-3530	460	33	student	student	PROPN
fsr-3530	460	34	characteristics	characteristics	PROPN
fsr-3530	460	35	degree	degree	NOUN
fsr-3530	460	36	type	type	NOUN
fsr-3530	460	37	age	age	NOUN
fsr-3530	460	38	29.5	29.5	NUM
fsr-3530	460	39	7.5	7.5	NUM
fsr-3530	460	40	2,487	2,487	NUM
fsr-3530	460	41	masters	master	NOUN
fsr-3530	460	42	0.50	0.50	NUM
fsr-3530	460	43	2,487	2,487	NUM
fsr-3530	460	44	credits	credit	NOUN
fsr-3530	460	45	taken	take	VERB
fsr-3530	460	46	9.8	9.8	NUM
fsr-3530	460	47	5.1	5.1	NUM
fsr-3530	460	48	2,487	2,487	NUM
fsr-3530	460	49	certificate	certificate	NOUN
fsr-3530	460	50	0.02	0.02	NUM
fsr-3530	460	51	2,487	2,487	NUM
fsr-3530	460	52	married	marry	VERB
fsr-3530	460	53	0.37	0.37	NUM
fsr-3530	460	54	2,306	2,306	NUM
fsr-3530	460	55	law	law	NOUN
fsr-3530	460	56	0.07	0.07	NUM
fsr-3530	460	57	2,487	2,487	NUM
fsr-3530	460	58	female	female	ADJ
fsr-3530	460	59	0.57	0.57	NUM
fsr-3530	460	60	2,487	2,487	NUM
fsr-3530	460	61	doctorate	doctorate	NOUN
fsr-3530	460	62	0.27	0.27	NUM
fsr-3530	460	63	2,487	2,487	NUM
fsr-3530	460	64	international	international	ADJ
fsr-3530	460	65	student	student	NOUN
fsr-3530	460	66	0.26	0.26	NUM
fsr-3530	460	67	2,487	2,487	NUM
fsr-3530	460	68	medical	medical	ADJ
fsr-3530	460	69	0.08	0.08	NUM
fsr-3530	460	70	2,487	2,487	NUM
fsr-3530	460	71	research	research	NOUN
fsr-3530	460	72	/	/	SYM
fsr-3530	460	73	teaching	teach	VERB
fsr-3530	460	74	asst	asst	NOUN
fsr-3530	460	75	0.24	0.24	NUM
fsr-3530	460	76	2,487	2,487	NUM
fsr-3530	460	77	post	post	ADJ
fsr-3530	460	78	-	-	PROPN
fsr-3530	460	79	doc	doc	ADJ
fsr-3530	460	80	0.01	0.01	NUM
fsr-3530	460	81	2,487	2,487	NUM
fsr-3530	460	82	flagship	flagship	NOUN
fsr-3530	460	83	campus	campus	NOUN
fsr-3530	460	84	0.57	0.57	NUM
fsr-3530	460	85	2,487	2,487	NUM
fsr-3530	460	86	other	other	ADJ
fsr-3530	460	87	/	/	SYM
fsr-3530	460	88	non	non	ADJ
fsr-3530	460	89	-	-	NOUN
fsr-3530	460	90	degree	degree	NOUN
fsr-3530	460	91	0.05	0.05	NUM
fsr-3530	460	92	2,487	2,487	NUM
fsr-3530	460	93	prior	prior	ADJ
fsr-3530	460	94	work	work	NOUN
fsr-3530	460	95	experience	experience	NOUN
fsr-3530	460	96	0.68	0.68	NUM
fsr-3530	460	97	2,288	2,288	NUM
fsr-3530	460	98	education	education	NOUN
fsr-3530	460	99	program	program	NOUN
fsr-3530	460	100	type	type	NOUN
fsr-3530	460	101	liberal	liberal	ADJ
fsr-3530	460	102	arts	art	NOUN
fsr-3530	460	103	0.20	0.20	NUM
fsr-3530	460	104	2,487	2,487	NUM
fsr-3530	460	105	stem	stem	NOUN
fsr-3530	460	106	0.27	0.27	NUM
fsr-3530	460	107	2,487	2,487	NUM
fsr-3530	460	108	professional	professional	ADJ
fsr-3530	460	109	0.38	0.38	NUM
fsr-3530	460	110	2,487	2,487	NUM
fsr-3530	460	111	business	business	NOUN
fsr-3530	460	112	and	and	CCONJ
fsr-3530	460	113	economics	economic	NOUN
fsr-3530	461	1	0.14	0.14	NUM
fsr-3530	461	2	2,487	2,487	NUM
fsr-3530	461	3	b.	b.	PROPN
fsr-3530	461	4	j.	j.	PROPN
fsr-3530	461	5	davis	davis	PROPN
fsr-3530	461	6	et	et	PROPN
fsr-3530	461	7	al	al	PROPN
fsr-3530	461	8	.	.	PUNCT
fsr-3530	461	9	/	/	SYM
fsr-3530	461	10	financial	financial	ADJ
fsr-3530	461	11	services	service	NOUN
fsr-3530	461	12	review	review	VERB
fsr-3530	461	13	31	31	NUM
fsr-3530	461	14	(	(	PUNCT
fsr-3530	461	15	2023	2023	NUM
fsr-3530	461	16	)	)	PUNCT
fsr-3530	461	17	133–150	133–150	NUM
fsr-3530	461	18	137	137	NUM
fsr-3530	461	19	relative	relative	ADJ
fsr-3530	461	20	difference	difference	NOUN
fsr-3530	461	21	between	between	ADP
fsr-3530	461	22	performance	performance	NOUN
fsr-3530	461	23	on	on	ADP
fsr-3530	461	24	the	the	DET
fsr-3530	461	25	financial	financial	ADJ
fsr-3530	461	26	literacy	literacy	NOUN
fsr-3530	461	27	quiz	quiz	NOUN
fsr-3530	461	28	and	and	CCONJ
fsr-3530	461	29	one	one	NUM
fsr-3530	461	30	’s	’s	PART
fsr-3530	461	31	selfassessed	selfassesse	VERB
fsr-3530	461	32	financial	financial	ADJ
fsr-3530	461	33	iq	iq	NOUN
fsr-3530	461	34	level	level	NOUN
fsr-3530	461	35	and	and	CCONJ
fsr-3530	461	36	normalized	normalize	VERB
fsr-3530	461	37	on	on	ADP
fsr-3530	461	38	a	a	DET
fsr-3530	461	39	scale	scale	NOUN
fsr-3530	461	40	of	of	ADP
fsr-3530	461	41	0	0	NUM
fsr-3530	461	42	to	to	PART
fsr-3530	461	43	1	1	NUM
fsr-3530	461	44	.	.	PUNCT
fsr-3530	462	1	values	value	NOUN
fsr-3530	462	2	below	below	ADP
fsr-3530	462	3	0.5	0.5	NUM
fsr-3530	462	4	represent	represent	NOUN
fsr-3530	462	5	overconfidence	overconfidence	NOUN
fsr-3530	462	6	and	and	CCONJ
fsr-3530	462	7	values	value	NOUN
fsr-3530	462	8	above	above	ADP
fsr-3530	462	9	0.5	0.5	NUM
fsr-3530	462	10	represent	represent	NOUN
fsr-3530	462	11	underconfidence	underconfidence	NOUN
fsr-3530	462	12	.	.	PUNCT
fsr-3530	463	1	for	for	ADP
fsr-3530	463	2	example	example	NOUN
fsr-3530	463	3	,	,	PUNCT
fsr-3530	463	4	a	a	DET
fsr-3530	463	5	value	value	NOUN
fsr-3530	463	6	of	of	ADP
fsr-3530	463	7	0	0	NUM
fsr-3530	463	8	indicates	indicate	VERB
fsr-3530	463	9	complete	complete	ADJ
fsr-3530	463	10	overconfidence	overconfidence	NOUN
fsr-3530	463	11	in	in	ADP
fsr-3530	463	12	the	the	DET
fsr-3530	463	13	self	self	NOUN
fsr-3530	463	14	-	-	PUNCT
fsr-3530	463	15	assessment	assessment	NOUN
fsr-3530	463	16	compared	compare	VERB
fsr-3530	463	17	to	to	ADP
fsr-3530	463	18	their	their	PRON
fsr-3530	463	19	actual	actual	ADJ
fsr-3530	463	20	measured	measure	VERB
fsr-3530	463	21	financial	financial	ADJ
fsr-3530	463	22	literacy	literacy	NOUN
fsr-3530	463	23	knowledge	knowledge	NOUN
fsr-3530	463	24	and	and	CCONJ
fsr-3530	463	25	corresponds	correspond	VERB
fsr-3530	463	26	to	to	ADP
fsr-3530	463	27	a	a	DET
fsr-3530	463	28	student	student	NOUN
fsr-3530	463	29	answering	answering	NOUN
fsr-3530	463	30	0	0	NUM
fsr-3530	463	31	out	out	ADP
fsr-3530	463	32	of	of	ADP
fsr-3530	463	33	12	12	NUM
fsr-3530	463	34	financial	financial	ADJ
fsr-3530	463	35	literacy	literacy	NOUN
fsr-3530	463	36	questions	question	NOUN
fsr-3530	463	37	correctly	correctly	ADV
fsr-3530	463	38	and	and	CCONJ
fsr-3530	463	39	indicating	indicate	VERB
fsr-3530	463	40	a	a	DET
fsr-3530	463	41	very	very	ADV
fsr-3530	463	42	high	high	ADJ
fsr-3530	463	43	level	level	NOUN
fsr-3530	463	44	(	(	PUNCT
fsr-3530	463	45	7	7	NUM
fsr-3530	463	46	)	)	PUNCT
fsr-3530	463	47	of	of	ADP
fsr-3530	463	48	financial	financial	ADJ
fsr-3530	463	49	iq	iq	NOUN
fsr-3530	463	50	on	on	ADP
fsr-3530	463	51	the	the	DET
fsr-3530	463	52	selfassessment	selfassessment	NOUN
fsr-3530	463	53	,	,	PUNCT
fsr-3530	463	54	whereas	whereas	SCONJ
fsr-3530	463	55	a	a	DET
fsr-3530	463	56	value	value	NOUN
fsr-3530	463	57	of	of	ADP
fsr-3530	463	58	1	1	NUM
fsr-3530	463	59	indicates	indicate	VERB
fsr-3530	463	60	complete	complete	ADJ
fsr-3530	463	61	underconfidence	underconfidence	NOUN
fsr-3530	463	62	.	.	PUNCT
fsr-3530	464	1	a	a	DET
fsr-3530	464	2	value	value	NOUN
fsr-3530	464	3	of	of	ADP
fsr-3530	464	4	0.5	0.5	NUM
fsr-3530	464	5	indicates	indicate	VERB
fsr-3530	464	6	neither	neither	CCONJ
fsr-3530	464	7	overnor	overnor	ADP
fsr-3530	464	8	underconfidence	underconfidence	NOUN
fsr-3530	464	9	.	.	PUNCT
fsr-3530	465	1	our	our	PRON
fsr-3530	465	2	personal	personal	ADJ
fsr-3530	465	3	finance	finance	NOUN
fsr-3530	465	4	concern	concern	NOUN
fsr-3530	465	5	metric	metric	ADJ
fsr-3530	465	6	is	be	AUX
fsr-3530	465	7	measured	measure	VERB
fsr-3530	465	8	on	on	ADP
fsr-3530	465	9	an	an	DET
fsr-3530	465	10	intensity	intensity	NOUN
fsr-3530	465	11	scale	scale	NOUN
fsr-3530	465	12	from	from	ADP
fsr-3530	465	13	1	1	NUM
fsr-3530	465	14	(	(	PUNCT
fsr-3530	465	15	no	no	DET
fsr-3530	465	16	concern	concern	NOUN
fsr-3530	465	17	)	)	PUNCT
fsr-3530	465	18	to	to	ADP
fsr-3530	465	19	5	5	NUM
fsr-3530	465	20	(	(	PUNCT
fsr-3530	465	21	great	great	ADJ
fsr-3530	465	22	concern	concern	NOUN
fsr-3530	465	23	)	)	PUNCT
fsr-3530	465	24	across	across	ADP
fsr-3530	465	25	five	five	NUM
fsr-3530	465	26	areas	area	NOUN
fsr-3530	465	27	(	(	PUNCT
fsr-3530	465	28	career	career	NOUN
fsr-3530	465	29	goals	goal	NOUN
fsr-3530	465	30	,	,	PUNCT
fsr-3530	465	31	current	current	ADJ
fsr-3530	465	32	finances	finance	NOUN
fsr-3530	465	33	,	,	PUNCT
fsr-3530	465	34	future	future	ADJ
fsr-3530	465	35	finances	finance	NOUN
fsr-3530	465	36	,	,	PUNCT
fsr-3530	465	37	owning	own	VERB
fsr-3530	465	38	a	a	DET
fsr-3530	465	39	home	home	NOUN
fsr-3530	465	40	,	,	PUNCT
fsr-3530	465	41	and	and	CCONJ
fsr-3530	465	42	retirement	retirement	NOUN
fsr-3530	465	43	)	)	PUNCT
fsr-3530	465	44	,	,	PUNCT
fsr-3530	465	45	with	with	ADP
fsr-3530	465	46	a	a	DET
fsr-3530	465	47	possible	possible	ADJ
fsr-3530	465	48	range	range	NOUN
fsr-3530	465	49	from	from	ADP
fsr-3530	465	50	a	a	DET
fsr-3530	465	51	low	low	NOUN
fsr-3530	465	52	of	of	ADP
fsr-3530	465	53	5	5	NUM
fsr-3530	465	54	to	to	ADP
fsr-3530	465	55	a	a	DET
fsr-3530	465	56	high	high	NOUN
fsr-3530	465	57	of	of	ADP
fsr-3530	465	58	25	25	NUM
fsr-3530	465	59	,	,	PUNCT
fsr-3530	465	60	which	which	PRON
fsr-3530	465	61	we	we	PRON
fsr-3530	465	62	normalized	normalize	VERB
fsr-3530	465	63	from	from	ADP
fsr-3530	465	64	0	0	NUM
fsr-3530	465	65	to	to	ADP
fsr-3530	465	66	1	1	NUM
fsr-3530	465	67	.	.	PUNCT
fsr-3530	466	1	for	for	ADP
fsr-3530	466	2	engagement	engagement	NOUN
fsr-3530	466	3	metrics	metric	NOUN
fsr-3530	466	4	,	,	PUNCT
fsr-3530	466	5	we	we	PRON
fsr-3530	466	6	list	list	VERB
fsr-3530	466	7	the	the	DET
fsr-3530	466	8	percentage	percentage	NOUN
fsr-3530	466	9	of	of	ADP
fsr-3530	466	10	students	student	NOUN
fsr-3530	466	11	who	who	PRON
fsr-3530	466	12	responded	respond	VERB
fsr-3530	466	13	to	to	ADP
fsr-3530	466	14	the	the	DET
fsr-3530	466	15	survey	survey	NOUN
fsr-3530	466	16	,	,	PUNCT
fsr-3530	466	17	indicated	indicate	VERB
fsr-3530	466	18	that	that	SCONJ
fsr-3530	466	19	they	they	PRON
fsr-3530	466	20	were	be	AUX
fsr-3530	466	21	interested	interested	ADJ
fsr-3530	466	22	in	in	ADP
fsr-3530	466	23	financial	financial	ADJ
fsr-3530	466	24	education	education	NOUN
fsr-3530	466	25	,	,	PUNCT
fsr-3530	466	26	accepting	accept	VERB
fsr-3530	466	27	an	an	DET
fsr-3530	466	28	invitation	invitation	NOUN
fsr-3530	466	29	for	for	ADP
fsr-3530	466	30	an	an	DET
fsr-3530	466	31	educational	educational	ADJ
fsr-3530	466	32	session	session	NOUN
fsr-3530	466	33	,	,	PUNCT
fsr-3530	466	34	and	and	CCONJ
fsr-3530	466	35	attended	attend	VERB
fsr-3530	466	36	a	a	DET
fsr-3530	466	37	seminar	seminar	NOUN
fsr-3530	466	38	or	or	CCONJ
fsr-3530	466	39	webinar	webinar	NOUN
fsr-3530	466	40	(	(	PUNCT
fsr-3530	466	41	conditional	conditional	ADJ
fsr-3530	466	42	on	on	ADP
fsr-3530	466	43	accepting	accept	VERB
fsr-3530	466	44	an	an	DET
fsr-3530	466	45	invitation	invitation	NOUN
fsr-3530	466	46	)	)	PUNCT
fsr-3530	466	47	.	.	PUNCT
fsr-3530	467	1	table	table	NOUN
fsr-3530	467	2	3	3	NUM
fsr-3530	467	3	shows	show	VERB
fsr-3530	467	4	the	the	DET
fsr-3530	467	5	average	average	ADJ
fsr-3530	467	6	student	student	NOUN
fsr-3530	467	7	got	get	VERB
fsr-3530	467	8	65	65	NUM
fsr-3530	467	9	%	%	NOUN
fsr-3530	467	10	of	of	ADP
fsr-3530	467	11	the	the	DET
fsr-3530	467	12	financial	financial	ADJ
fsr-3530	467	13	literacy	literacy	NOUN
fsr-3530	467	14	questions	question	NOUN
fsr-3530	467	15	correct	correct	ADJ
fsr-3530	467	16	,	,	PUNCT
fsr-3530	467	17	with	with	ADP
fsr-3530	467	18	business	business	NOUN
fsr-3530	467	19	students	student	NOUN
fsr-3530	467	20	scoring	score	VERB
fsr-3530	467	21	significantly	significantly	ADV
fsr-3530	467	22	higher	high	ADJ
fsr-3530	467	23	than	than	ADP
fsr-3530	467	24	any	any	PRON
fsr-3530	467	25	of	of	ADP
fsr-3530	467	26	the	the	DET
fsr-3530	467	27	other	other	ADJ
fsr-3530	467	28	program	program	NOUN
fsr-3530	467	29	groups.10	groups.10	NOUN
fsr-3530	467	30	the	the	DET
fsr-3530	467	31	mean	mean	NOUN
fsr-3530	467	32	self	self	NOUN
fsr-3530	467	33	-	-	PUNCT
fsr-3530	467	34	reported	report	VERB
fsr-3530	467	35	financial	financial	ADJ
fsr-3530	467	36	iq	iq	PROPN
fsr-3530	467	37	was	be	AUX
fsr-3530	467	38	4.7	4.7	NUM
fsr-3530	467	39	out	out	ADP
fsr-3530	467	40	of	of	ADP
fsr-3530	467	41	7	7	NUM
fsr-3530	467	42	,	,	PUNCT
fsr-3530	467	43	again	again	ADV
fsr-3530	467	44	with	with	SCONJ
fsr-3530	467	45	business	business	NOUN
fsr-3530	467	46	students	student	NOUN
fsr-3530	467	47	indicating	indicate	VERB
fsr-3530	467	48	a	a	DET
fsr-3530	467	49	significantly	significantly	ADV
fsr-3530	467	50	higher	high	ADJ
fsr-3530	467	51	level	level	NOUN
fsr-3530	467	52	of	of	ADP
fsr-3530	467	53	self	self	NOUN
fsr-3530	467	54	-	-	PUNCT
fsr-3530	467	55	reported	report	VERB
fsr-3530	467	56	financial	financial	ADJ
fsr-3530	467	57	knowledge	knowledge	NOUN
fsr-3530	467	58	compared	compare	VERB
fsr-3530	467	59	to	to	ADP
fsr-3530	467	60	nonbusiness	nonbusiness	NOUN
fsr-3530	467	61	table	table	NOUN
fsr-3530	467	62	3	3	NUM
fsr-3530	467	63	financial	financial	ADJ
fsr-3530	467	64	literacy	literacy	NOUN
fsr-3530	467	65	,	,	PUNCT
fsr-3530	467	66	financial	financial	ADJ
fsr-3530	467	67	concern	concern	NOUN
fsr-3530	467	68	,	,	PUNCT
fsr-3530	467	69	and	and	CCONJ
fsr-3530	467	70	financial	financial	ADJ
fsr-3530	467	71	education	education	NOUN
fsr-3530	467	72	engagement	engagement	NOUN
fsr-3530	467	73	characteristic	characteristic	ADJ
fsr-3530	467	74	overall	overall	ADJ
fsr-3530	467	75	program	program	NOUN
fsr-3530	467	76	type	type	NOUN
fsr-3530	467	77	liberal	liberal	ADJ
fsr-3530	467	78	arts	art	NOUN
fsr-3530	467	79	stem	stem	NOUN
fsr-3530	467	80	business	business	NOUN
fsr-3530	467	81	professional	professional	ADJ
fsr-3530	467	82	financial	financial	ADJ
fsr-3530	467	83	literacy	literacy	NOUN
fsr-3530	467	84	and	and	CCONJ
fsr-3530	467	85	concern	concern	ADJ
fsr-3530	467	86	financial	financial	ADJ
fsr-3530	467	87	literacy	literacy	NOUN
fsr-3530	467	88	quiz	quiz	NOUN
fsr-3530	467	89	score	score	NOUN
fsr-3530	467	90	(	(	PUNCT
fsr-3530	467	91	0–12	0–12	NOUN
fsr-3530	467	92	)	)	PUNCT
fsr-3530	467	93	7.81	7.81	NUM
fsr-3530	467	94	7.57	7.57	NUM
fsr-3530	467	95	7.66	7.66	NUM
fsr-3530	467	96	8.71	8.71	NUM
fsr-3530	467	97	7.71	7.71	NUM
fsr-3530	467	98	financial	financial	ADJ
fsr-3530	467	99	iq	iq	NOUN
fsr-3530	467	100	,	,	PUNCT
fsr-3530	467	101	self	self	NOUN
fsr-3530	467	102	-	-	PUNCT
fsr-3530	467	103	assessed	assess	VERB
fsr-3530	467	104	(	(	PUNCT
fsr-3530	467	105	1–7	1–7	NUM
fsr-3530	467	106	)	)	PUNCT
fsr-3530	467	107	4.67	4.67	NUM
fsr-3530	467	108	4.58	4.58	NUM
fsr-3530	467	109	4.42	4.42	NUM
fsr-3530	467	110	5.28	5.28	NUM
fsr-3530	467	111	4.73	4.73	NUM
fsr-3530	467	112	relative	relative	ADJ
fsr-3530	467	113	finiq	finiq	ADJ
fsr-3530	467	114	(	(	PUNCT
fsr-3530	467	115	0–1	0–1	NOUN
fsr-3530	467	116	)	)	PUNCT
fsr-3530	467	117	0.52	0.52	NUM
fsr-3530	467	118	0.52	0.52	NUM
fsr-3530	467	119	0.53	0.53	NUM
fsr-3530	467	120	0.51	0.51	NUM
fsr-3530	467	121	0.51	0.51	NUM
fsr-3530	467	122	personal	personal	ADJ
fsr-3530	467	123	finance	finance	NOUN
fsr-3530	467	124	concern	concern	NOUN
fsr-3530	467	125	(	(	PUNCT
fsr-3530	467	126	0–1	0–1	NOUN
fsr-3530	467	127	)	)	PUNCT
fsr-3530	467	128	0.72	0.72	NUM
fsr-3530	467	129	0.73	0.73	NUM
fsr-3530	467	130	0.70	0.70	NUM
fsr-3530	467	131	0.71	0.71	NUM
fsr-3530	467	132	0.73	0.73	NUM
fsr-3530	467	133	education	education	NOUN
fsr-3530	467	134	engagement	engagement	NOUN
fsr-3530	467	135	responded	respond	VERB
fsr-3530	467	136	to	to	PART
fsr-3530	467	137	survey	survey	VERB
fsr-3530	467	138	14	14	NUM
fsr-3530	467	139	%	%	NOUN
fsr-3530	467	140	14	14	NUM
fsr-3530	467	141	%	%	NOUN
fsr-3530	467	142	14	14	NUM
fsr-3530	467	143	%	%	NOUN
fsr-3530	467	144	14	14	NUM
fsr-3530	467	145	%	%	NOUN
fsr-3530	467	146	14	14	NUM
fsr-3530	467	147	%	%	NOUN
fsr-3530	467	148	interested	interested	ADJ
fsr-3530	467	149	in	in	ADP
fsr-3530	467	150	financial	financial	ADJ
fsr-3530	467	151	education	education	NOUN
fsr-3530	467	152	48	48	NUM
fsr-3530	467	153	47	47	NUM
fsr-3530	467	154	48	48	NUM
fsr-3530	467	155	46	46	NUM
fsr-3530	467	156	50	50	NUM
fsr-3530	467	157	accept	accept	VERB
fsr-3530	467	158	invite	invite	NOUN
fsr-3530	467	159	j	j	PROPN
fsr-3530	467	160	invited	invite	VERB
fsr-3530	467	161	16	16	NUM
fsr-3530	467	162	17	17	NUM
fsr-3530	467	163	15	15	NUM
fsr-3530	467	164	13	13	NUM
fsr-3530	467	165	17	17	NUM
fsr-3530	467	166	attend	attend	VERB
fsr-3530	467	167	financial	financial	ADJ
fsr-3530	467	168	education	education	NOUN
fsr-3530	467	169	conditional	conditional	ADJ
fsr-3530	467	170	on	on	ADP
fsr-3530	467	171	accepting	accept	VERB
fsr-3530	467	172	invite	invite	VERB
fsr-3530	467	173	36	36	NUM
fsr-3530	467	174	51	51	NUM
fsr-3530	467	175	27	27	NUM
fsr-3530	467	176	42	42	NUM
fsr-3530	467	177	33	33	NUM
fsr-3530	467	178	note	note	NOUN
fsr-3530	467	179	.	.	PUNCT
fsr-3530	468	1	means	mean	NOUN
fsr-3530	468	2	or	or	CCONJ
fsr-3530	468	3	percents	percent	NOUN
fsr-3530	468	4	reported	report	VERB
fsr-3530	468	5	.	.	PUNCT
fsr-3530	469	1	table	table	NOUN
fsr-3530	469	2	2	2	NUM
fsr-3530	469	3	financial	financial	ADJ
fsr-3530	469	4	education	education	NOUN
fsr-3530	469	5	engagement	engagement	NOUN
fsr-3530	469	6	results	result	NOUN
fsr-3530	469	7	engagement	engagement	NOUN
fsr-3530	469	8	number	number	NOUN
fsr-3530	469	9	number	number	NOUN
fsr-3530	469	10	invited	invite	VERB
fsr-3530	469	11	proportion	proportion	NOUN
fsr-3530	469	12	survey	survey	NOUN
fsr-3530	469	13	respondents	respondent	VERB
fsr-3530	469	14	2,487	2,487	NUM
fsr-3530	469	15	17,819	17,819	NUM
fsr-3530	469	16	0.14	0.14	NUM
fsr-3530	469	17	eligible	eligible	ADJ
fsr-3530	469	18	for	for	ADP
fsr-3530	469	19	invite	invite	NOUN
fsr-3530	469	20	1,101	1,101	NUM
fsr-3530	469	21	1,632	1,632	NUM
fsr-3530	469	22	0.67	0.67	NUM
fsr-3530	469	23	interested	interested	ADJ
fsr-3530	469	24	in	in	ADP
fsr-3530	469	25	fin	fin	PROPN
fsr-3530	469	26	ed	ed	PROPN
fsr-3530	469	27	j	j	PROPN
fsr-3530	469	28	eligible	eligible	ADJ
fsr-3530	469	29	511	511	NUM
fsr-3530	469	30	1,101	1,101	NUM
fsr-3530	469	31	0.46	0.46	NUM
fsr-3530	469	32	accepted	accepted	ADJ
fsr-3530	469	33	j	j	PROPN
fsr-3530	469	34	invited	invite	VERB
fsr-3530	469	35	176	176	NUM
fsr-3530	469	36	1,101	1,101	NUM
fsr-3530	469	37	0.16	0.16	NUM
fsr-3530	469	38	attended	attend	VERB
fsr-3530	469	39	j	j	PROPN
fsr-3530	469	40	accepted	accept	VERB
fsr-3530	469	41	invite	invite	VERB
fsr-3530	469	42	64	64	NUM
fsr-3530	469	43	176	176	NUM
fsr-3530	469	44	0.36	0.36	NUM
fsr-3530	469	45	conditional	conditional	ADJ
fsr-3530	469	46	on	on	ADP
fsr-3530	469	47	indicating	indicate	VERB
fsr-3530	469	48	interest	interest	NOUN
fsr-3530	469	49	accepted	accept	VERB
fsr-3530	469	50	invite	invite	VERB
fsr-3530	469	51	383	383	NUM
fsr-3530	469	52	511	511	NUM
fsr-3530	469	53	0.25	0.25	NUM
fsr-3530	469	54	attended	attend	VERB
fsr-3530	469	55	j	j	NOUN
fsr-3530	469	56	accepting	accept	VERB
fsr-3530	469	57	invite	invite	VERB
fsr-3530	469	58	50	50	NUM
fsr-3530	469	59	128	128	NUM
fsr-3530	469	60	0.39	0.39	NUM
fsr-3530	469	61	138	138	NUM
fsr-3530	469	62	b.	b.	PROPN
fsr-3530	469	63	j.	j.	PROPN
fsr-3530	469	64	davis	davis	PROPN
fsr-3530	469	65	et	et	PROPN
fsr-3530	469	66	al	al	PROPN
fsr-3530	469	67	.	.	PUNCT
fsr-3530	469	68	/	/	SYM
fsr-3530	469	69	financial	financial	ADJ
fsr-3530	469	70	services	service	NOUN
fsr-3530	469	71	review	review	VERB
fsr-3530	469	72	31	31	NUM
fsr-3530	469	73	(	(	PUNCT
fsr-3530	469	74	2023	2023	NUM
fsr-3530	469	75	)	)	PUNCT
fsr-3530	470	1	133–150	133–150	NUM
fsr-3530	470	2	students	student	NOUN
fsr-3530	470	3	(	(	PUNCT
fsr-3530	470	4	5.28	5.28	NUM
fsr-3530	470	5	vs.	vs.	ADP
fsr-3530	470	6	4.60	4.60	NUM
fsr-3530	470	7	for	for	ADP
fsr-3530	470	8	nonbusiness	nonbusiness	ADJ
fsr-3530	470	9	students	student	NOUN
fsr-3530	470	10	)	)	PUNCT
fsr-3530	470	11	.	.	PUNCT
fsr-3530	471	1	the	the	DET
fsr-3530	471	2	average	average	ADJ
fsr-3530	471	3	student	student	NOUN
fsr-3530	471	4	was	be	AUX
fsr-3530	471	5	slightly	slightly	ADV
fsr-3530	471	6	underconfident	underconfident	ADJ
fsr-3530	471	7	in	in	ADP
fsr-3530	471	8	their	their	PRON
fsr-3530	471	9	financial	financial	ADJ
fsr-3530	471	10	knowledge	knowledge	NOUN
fsr-3530	471	11	.	.	PUNCT
fsr-3530	472	1	there	there	PRON
fsr-3530	472	2	are	be	VERB
fsr-3530	472	3	limited	limited	ADJ
fsr-3530	472	4	differences	difference	NOUN
fsr-3530	472	5	in	in	ADP
fsr-3530	472	6	the	the	DET
fsr-3530	472	7	relative	relative	ADJ
fsr-3530	472	8	measure	measure	NOUN
fsr-3530	472	9	by	by	ADP
fsr-3530	472	10	program	program	NOUN
fsr-3530	472	11	type	type	NOUN
fsr-3530	472	12	;	;	PUNCT
fsr-3530	472	13	however	however	ADV
fsr-3530	472	14	,	,	PUNCT
fsr-3530	472	15	stem	stem	NOUN
fsr-3530	472	16	students	student	NOUN
fsr-3530	472	17	display	display	VERB
fsr-3530	472	18	significantly	significantly	ADV
fsr-3530	472	19	greater	great	ADJ
fsr-3530	472	20	underconfidence	underconfidence	NOUN
fsr-3530	472	21	compared	compare	VERB
fsr-3530	472	22	with	with	ADP
fsr-3530	472	23	the	the	DET
fsr-3530	472	24	rest	rest	NOUN
fsr-3530	472	25	of	of	ADP
fsr-3530	472	26	the	the	DET
fsr-3530	472	27	surveyed	survey	VERB
fsr-3530	472	28	population	population	NOUN
fsr-3530	472	29	.	.	PUNCT
fsr-3530	473	1	we	we	PRON
fsr-3530	473	2	find	find	VERB
fsr-3530	473	3	no	no	DET
fsr-3530	473	4	significant	significant	ADJ
fsr-3530	473	5	differences	difference	NOUN
fsr-3530	473	6	by	by	ADP
fsr-3530	473	7	program	program	NOUN
fsr-3530	473	8	for	for	ADP
fsr-3530	473	9	students	student	NOUN
fsr-3530	473	10	who	who	PRON
fsr-3530	473	11	responded	respond	VERB
fsr-3530	473	12	to	to	ADP
fsr-3530	473	13	the	the	DET
fsr-3530	473	14	survey	survey	NOUN
fsr-3530	473	15	or	or	CCONJ
fsr-3530	473	16	for	for	ADP
fsr-3530	473	17	those	those	PRON
fsr-3530	473	18	who	who	PRON
fsr-3530	473	19	indicated	indicate	VERB
fsr-3530	473	20	interested	interested	ADJ
fsr-3530	473	21	in	in	ADP
fsr-3530	473	22	attending	attend	VERB
fsr-3530	473	23	a	a	DET
fsr-3530	473	24	financial	financial	ADJ
fsr-3530	473	25	education	education	NOUN
fsr-3530	473	26	seminar	seminar	NOUN
fsr-3530	473	27	or	or	CCONJ
fsr-3530	473	28	for	for	ADP
fsr-3530	473	29	acceptance	acceptance	NOUN
fsr-3530	473	30	rates	rate	NOUN
fsr-3530	473	31	.	.	PUNCT
fsr-3530	474	1	for	for	ADP
fsr-3530	474	2	seminar	seminar	NOUN
fsr-3530	474	3	attendance	attendance	NOUN
fsr-3530	474	4	,	,	PUNCT
fsr-3530	474	5	however	however	ADV
fsr-3530	474	6	,	,	PUNCT
fsr-3530	474	7	we	we	PRON
fsr-3530	474	8	find	find	VERB
fsr-3530	474	9	a	a	DET
fsr-3530	474	10	significantly	significantly	ADV
fsr-3530	474	11	greater	great	ADJ
fsr-3530	474	12	proportion	proportion	NOUN
fsr-3530	474	13	of	of	ADP
fsr-3530	474	14	liberal	liberal	ADJ
fsr-3530	474	15	arts	art	NOUN
fsr-3530	474	16	students	student	NOUN
fsr-3530	474	17	attended	attend	VERB
fsr-3530	474	18	a	a	DET
fsr-3530	474	19	seminar	seminar	NOUN
fsr-3530	474	20	compared	compare	VERB
fsr-3530	474	21	to	to	ADP
fsr-3530	474	22	students	student	NOUN
fsr-3530	474	23	in	in	ADP
fsr-3530	474	24	other	other	ADJ
fsr-3530	474	25	programs	program	NOUN
fsr-3530	474	26	.	.	PUNCT
fsr-3530	475	1	table	table	NOUN
fsr-3530	475	2	4	4	NUM
fsr-3530	475	3	shows	show	VERB
fsr-3530	475	4	asset	asset	NOUN
fsr-3530	475	5	and	and	CCONJ
fsr-3530	475	6	debt	debt	NOUN
fsr-3530	475	7	characteristics	characteristic	NOUN
fsr-3530	475	8	of	of	ADP
fsr-3530	475	9	the	the	DET
fsr-3530	475	10	surveyed	survey	VERB
fsr-3530	475	11	students	student	NOUN
fsr-3530	475	12	.	.	PUNCT
fsr-3530	476	1	we	we	PRON
fsr-3530	476	2	hypothesize	hypothesize	VERB
fsr-3530	476	3	that	that	SCONJ
fsr-3530	476	4	greater	great	ADJ
fsr-3530	476	5	participation	participation	NOUN
fsr-3530	476	6	in	in	ADP
fsr-3530	476	7	financial	financial	ADJ
fsr-3530	476	8	services	service	NOUN
fsr-3530	476	9	and	and	CCONJ
fsr-3530	476	10	the	the	DET
fsr-3530	476	11	incidence	incidence	NOUN
fsr-3530	476	12	of	of	ADP
fsr-3530	476	13	debt	debt	NOUN
fsr-3530	476	14	would	would	AUX
fsr-3530	476	15	be	be	AUX
fsr-3530	476	16	positively	positively	ADV
fsr-3530	476	17	correlated	correlate	VERB
fsr-3530	476	18	to	to	ADP
fsr-3530	476	19	signaling	signal	VERB
fsr-3530	476	20	interest	interest	NOUN
fsr-3530	476	21	in	in	ADP
fsr-3530	476	22	financial	financial	ADJ
fsr-3530	476	23	education	education	NOUN
fsr-3530	476	24	.	.	PUNCT
fsr-3530	477	1	and	and	CCONJ
fsr-3530	477	2	having	have	VERB
fsr-3530	477	3	life	life	NOUN
fsr-3530	477	4	insurance	insurance	NOUN
fsr-3530	477	5	or	or	CCONJ
fsr-3530	477	6	an	an	DET
fsr-3530	477	7	investment	investment	NOUN
fsr-3530	477	8	account	account	NOUN
fsr-3530	477	9	may	may	AUX
fsr-3530	477	10	signal	signal	VERB
fsr-3530	477	11	greater	great	ADJ
fsr-3530	477	12	interest	interest	NOUN
fsr-3530	477	13	in	in	ADP
fsr-3530	477	14	financial	financial	ADJ
fsr-3530	477	15	planning	planning	NOUN
fsr-3530	477	16	over	over	ADP
fsr-3530	477	17	the	the	DET
fsr-3530	477	18	life	life	NOUN
fsr-3530	477	19	cycle	cycle	NOUN
fsr-3530	477	20	.	.	PUNCT
fsr-3530	478	1	we	we	PRON
fsr-3530	478	2	include	include	VERB
fsr-3530	478	3	the	the	DET
fsr-3530	478	4	incidence	incidence	NOUN
fsr-3530	478	5	of	of	ADP
fsr-3530	478	6	students	student	NOUN
fsr-3530	478	7	with	with	ADP
fsr-3530	478	8	a	a	DET
fsr-3530	478	9	checking	check	VERB
fsr-3530	478	10	account	account	NOUN
fsr-3530	478	11	,	,	PUNCT
fsr-3530	478	12	savings	saving	NOUN
fsr-3530	478	13	account	account	NOUN
fsr-3530	478	14	,	,	PUNCT
fsr-3530	478	15	investment	investment	NOUN
fsr-3530	478	16	account	account	NOUN
fsr-3530	478	17	,	,	PUNCT
fsr-3530	478	18	or	or	CCONJ
fsr-3530	478	19	a	a	DET
fsr-3530	478	20	life	life	NOUN
fsr-3530	478	21	insurance	insurance	NOUN
fsr-3530	478	22	policy	policy	NOUN
fsr-3530	478	23	.	.	PUNCT
fsr-3530	479	1	nine	nine	NUM
fsr-3530	479	2	of	of	ADP
fsr-3530	479	3	10	10	NUM
fsr-3530	479	4	students	student	NOUN
fsr-3530	479	5	surveyed	survey	VERB
fsr-3530	479	6	have	have	VERB
fsr-3530	479	7	a	a	DET
fsr-3530	479	8	checking	checking	ADJ
fsr-3530	479	9	account	account	NOUN
fsr-3530	479	10	,	,	PUNCT
fsr-3530	479	11	with	with	ADP
fsr-3530	479	12	three	three	NUM
fsr-3530	479	13	in	in	ADP
fsr-3530	479	14	four	four	NUM
fsr-3530	479	15	having	have	VERB
fsr-3530	479	16	a	a	DET
fsr-3530	479	17	savings	savings	NOUN
fsr-3530	479	18	account	account	NOUN
fsr-3530	479	19	.	.	PUNCT
fsr-3530	480	1	the	the	DET
fsr-3530	480	2	third	third	ADJ
fsr-3530	480	3	row	row	NOUN
fsr-3530	480	4	list	list	NOUN
fsr-3530	480	5	the	the	DET
fsr-3530	480	6	proportion	proportion	NOUN
fsr-3530	480	7	of	of	ADP
fsr-3530	480	8	students	student	NOUN
fsr-3530	480	9	with	with	ADP
fsr-3530	480	10	an	an	DET
fsr-3530	480	11	investment	investment	NOUN
fsr-3530	480	12	account	account	NOUN
fsr-3530	480	13	,	,	PUNCT
fsr-3530	480	14	which	which	PRON
fsr-3530	480	15	we	we	PRON
fsr-3530	480	16	define	define	VERB
fsr-3530	480	17	as	as	ADP
fsr-3530	480	18	having	have	VERB
fsr-3530	480	19	a	a	DET
fsr-3530	480	20	brokerage	brokerage	NOUN
fsr-3530	480	21	account	account	NOUN
fsr-3530	480	22	,	,	PUNCT
fsr-3530	480	23	an	an	DET
fsr-3530	480	24	ira	ira	PROPN
fsr-3530	480	25	,	,	PUNCT
fsr-3530	480	26	or	or	CCONJ
fsr-3530	480	27	an	an	DET
fsr-3530	480	28	employersponsored	employersponsored	ADJ
fsr-3530	480	29	retirement	retirement	NOUN
fsr-3530	480	30	savings	saving	NOUN
fsr-3530	480	31	plan	plan	NOUN
fsr-3530	480	32	.	.	PUNCT
fsr-3530	481	1	this	this	PRON
fsr-3530	481	2	is	be	AUX
fsr-3530	481	3	owned	own	VERB
fsr-3530	481	4	by	by	ADP
fsr-3530	481	5	a	a	DET
fsr-3530	481	6	minority	minority	NOUN
fsr-3530	481	7	of	of	ADP
fsr-3530	481	8	students	student	NOUN
fsr-3530	481	9	(	(	PUNCT
fsr-3530	481	10	38	38	NUM
fsr-3530	481	11	%	%	NOUN
fsr-3530	481	12	)	)	PUNCT
fsr-3530	481	13	,	,	PUNCT
fsr-3530	481	14	but	but	CCONJ
fsr-3530	481	15	varies	vary	VERB
fsr-3530	481	16	significantly	significantly	ADV
fsr-3530	481	17	by	by	ADP
fsr-3530	481	18	program	program	NOUN
fsr-3530	481	19	type	type	NOUN
fsr-3530	481	20	,	,	PUNCT
fsr-3530	481	21	ranging	range	VERB
fsr-3530	481	22	from	from	ADP
fsr-3530	481	23	22	22	NUM
fsr-3530	481	24	%	%	NOUN
fsr-3530	481	25	for	for	ADP
fsr-3530	481	26	stem	stem	NOUN
fsr-3530	481	27	students	student	NOUN
fsr-3530	481	28	to	to	ADP
fsr-3530	481	29	50	50	NUM
fsr-3530	481	30	%	%	NOUN
fsr-3530	481	31	for	for	ADP
fsr-3530	481	32	business	business	NOUN
fsr-3530	481	33	students	student	NOUN
fsr-3530	481	34	.	.	PUNCT
fsr-3530	482	1	we	we	PRON
fsr-3530	482	2	posit	posit	VERB
fsr-3530	482	3	debt	debt	NOUN
fsr-3530	482	4	should	should	AUX
fsr-3530	482	5	be	be	AUX
fsr-3530	482	6	positively	positively	ADV
fsr-3530	482	7	correlated	correlate	VERB
fsr-3530	482	8	with	with	ADP
fsr-3530	482	9	financial	financial	ADJ
fsr-3530	482	10	education	education	NOUN
fsr-3530	482	11	interest	interest	NOUN
fsr-3530	482	12	.	.	PUNCT
fsr-3530	483	1	graduate	graduate	NOUN
fsr-3530	483	2	students	student	NOUN
fsr-3530	483	3	with	with	ADP
fsr-3530	483	4	student	student	NOUN
fsr-3530	483	5	loan	loan	NOUN
fsr-3530	483	6	debt	debt	NOUN
fsr-3530	483	7	need	need	VERB
fsr-3530	483	8	to	to	PART
fsr-3530	483	9	manage	manage	VERB
fsr-3530	483	10	loan	loan	NOUN
fsr-3530	483	11	repayments	repayment	NOUN
fsr-3530	483	12	in	in	ADP
fsr-3530	483	13	conjunction	conjunction	NOUN
fsr-3530	483	14	with	with	ADP
fsr-3530	483	15	other	other	ADJ
fsr-3530	483	16	consumption	consumption	NOUN
fsr-3530	483	17	,	,	PUNCT
fsr-3530	483	18	savings	saving	NOUN
fsr-3530	483	19	,	,	PUNCT
fsr-3530	483	20	and	and	CCONJ
fsr-3530	483	21	investment	investment	NOUN
fsr-3530	483	22	goals	goal	NOUN
fsr-3530	483	23	and	and	CCONJ
fsr-3530	483	24	in	in	ADP
fsr-3530	483	25	context	context	NOUN
fsr-3530	483	26	of	of	ADP
fsr-3530	483	27	their	their	PRON
fsr-3530	483	28	postgraduate	postgraduate	NOUN
fsr-3530	483	29	career	career	NOUN
fsr-3530	483	30	outlook	outlook	NOUN
fsr-3530	483	31	.	.	PUNCT
fsr-3530	484	1	over	over	ADP
fsr-3530	484	2	half	half	NOUN
fsr-3530	484	3	of	of	ADP
fsr-3530	484	4	the	the	DET
fsr-3530	484	5	sample	sample	NOUN
fsr-3530	484	6	has	have	VERB
fsr-3530	484	7	some	some	DET
fsr-3530	484	8	form	form	NOUN
fsr-3530	484	9	of	of	ADP
fsr-3530	484	10	student	student	NOUN
fsr-3530	484	11	loan	loan	NOUN
fsr-3530	484	12	debt	debt	NOUN
fsr-3530	484	13	,	,	PUNCT
fsr-3530	484	14	and	and	CCONJ
fsr-3530	484	15	this	this	PRON
fsr-3530	484	16	varies	vary	VERB
fsr-3530	484	17	significantly	significantly	ADV
fsr-3530	484	18	by	by	ADP
fsr-3530	484	19	a	a	DET
fsr-3530	484	20	student	student	NOUN
fsr-3530	484	21	’s	’s	PART
fsr-3530	484	22	major	major	ADJ
fsr-3530	484	23	field	field	NOUN
fsr-3530	484	24	.	.	PUNCT
fsr-3530	485	1	professional	professional	ADJ
fsr-3530	485	2	students	student	NOUN
fsr-3530	485	3	were	be	AUX
fsr-3530	485	4	significantly	significantly	ADV
fsr-3530	485	5	more	more	ADV
fsr-3530	485	6	likely	likely	ADJ
fsr-3530	485	7	to	to	PART
fsr-3530	485	8	have	have	VERB
fsr-3530	485	9	any	any	DET
fsr-3530	485	10	debt	debt	NOUN
fsr-3530	485	11	,	,	PUNCT
fsr-3530	485	12	both	both	DET
fsr-3530	485	13	debt	debt	NOUN
fsr-3530	485	14	from	from	ADP
fsr-3530	485	15	graduate	graduate	NOUN
fsr-3530	485	16	and	and	CCONJ
fsr-3530	485	17	undergraduate	undergraduate	ADJ
fsr-3530	485	18	studies	study	NOUN
fsr-3530	485	19	and	and	CCONJ
fsr-3530	485	20	from	from	ADP
fsr-3530	485	21	credit	credit	NOUN
fsr-3530	485	22	cards	card	NOUN
fsr-3530	485	23	.	.	PUNCT
fsr-3530	486	1	table	table	NOUN
fsr-3530	486	2	4	4	NUM
fsr-3530	486	3	other	other	ADJ
fsr-3530	486	4	student	student	NOUN
fsr-3530	486	5	characteristics	characteristic	NOUN
fsr-3530	486	6	,	,	PUNCT
fsr-3530	486	7	assets	asset	NOUN
fsr-3530	486	8	and	and	CCONJ
fsr-3530	486	9	debt	debt	NOUN
fsr-3530	486	10	characteristic	characteristic	ADJ
fsr-3530	486	11	overall	overall	ADJ
fsr-3530	486	12	program	program	NOUN
fsr-3530	486	13	type	type	NOUN
fsr-3530	486	14	liberal	liberal	ADJ
fsr-3530	486	15	arts	art	NOUN
fsr-3530	486	16	stem	stem	VERB
fsr-3530	486	17	business	business	NOUN
fsr-3530	486	18	professional	professional	ADJ
fsr-3530	486	19	banking	banking	NOUN
fsr-3530	486	20	,	,	PUNCT
fsr-3530	486	21	assets	asset	NOUN
fsr-3530	486	22	,	,	PUNCT
fsr-3530	486	23	insurance	insurance	NOUN
fsr-3530	486	24	checking	checking	NOUN
fsr-3530	486	25	account	account	NOUN
fsr-3530	486	26	90	90	NUM
fsr-3530	486	27	%	%	NOUN
fsr-3530	486	28	93	93	NUM
fsr-3530	486	29	%	%	NOUN
fsr-3530	486	30	88	88	NUM
fsr-3530	486	31	%	%	NOUN
fsr-3530	486	32	88	88	NUM
fsr-3530	486	33	%	%	NOUN
fsr-3530	486	34	90	90	NUM
fsr-3530	486	35	%	%	NOUN
fsr-3530	486	36	savings	saving	NOUN
fsr-3530	486	37	account	account	VERB
fsr-3530	486	38	74	74	NUM
fsr-3530	486	39	78	78	NUM
fsr-3530	486	40	71	71	NUM
fsr-3530	486	41	72	72	NUM
fsr-3530	486	42	75	75	NUM
fsr-3530	486	43	investment	investment	NOUN
fsr-3530	486	44	account	account	NOUN
fsr-3530	486	45	38	38	NUM
fsr-3530	486	46	38	38	NUM
fsr-3530	486	47	22	22	NUM
fsr-3530	486	48	50	50	NUM
fsr-3530	486	49	44	44	NUM
fsr-3530	486	50	life	life	NOUN
fsr-3530	486	51	insurance	insurance	NOUN
fsr-3530	486	52	34	34	NUM
fsr-3530	486	53	29	29	NUM
fsr-3530	486	54	23	23	NUM
fsr-3530	486	55	38	38	NUM
fsr-3530	486	56	42	42	NUM
fsr-3530	486	57	student	student	NOUN
fsr-3530	486	58	debt	debt	NOUN
fsr-3530	486	59	only	only	ADV
fsr-3530	486	60	undergraduate	undergraduate	VERB
fsr-3530	486	61	9	9	NUM
fsr-3530	486	62	12	12	NUM
fsr-3530	486	63	9	9	NUM
fsr-3530	486	64	5	5	NUM
fsr-3530	486	65	8	8	NUM
fsr-3530	486	66	only	only	ADV
fsr-3530	486	67	graduate	graduate	VERB
fsr-3530	486	68	19	19	NUM
fsr-3530	486	69	16	16	NUM
fsr-3530	486	70	22	22	NUM
fsr-3530	486	71	26	26	NUM
fsr-3530	486	72	17	17	NUM
fsr-3530	486	73	both	both	DET
fsr-3530	486	74	undergrad	undergrad	NOUN
fsr-3530	486	75	and	and	CCONJ
fsr-3530	486	76	grad	grad	ADJ
fsr-3530	486	77	28	28	NUM
fsr-3530	486	78	30	30	NUM
fsr-3530	486	79	22	22	NUM
fsr-3530	486	80	15	15	NUM
fsr-3530	486	81	36	36	NUM
fsr-3530	486	82	any	any	DET
fsr-3530	486	83	student	student	NOUN
fsr-3530	486	84	debt	debt	NOUN
fsr-3530	486	85	56	56	NUM
fsr-3530	486	86	57	57	NUM
fsr-3530	486	87	53	53	NUM
fsr-3530	486	88	46	46	NUM
fsr-3530	486	89	61	61	NUM
fsr-3530	486	90	other	other	ADJ
fsr-3530	486	91	debt	debt	NOUN
fsr-3530	486	92	credit	credit	NOUN
fsr-3530	486	93	card	card	NOUN
fsr-3530	486	94	31	31	NUM
fsr-3530	486	95	34	34	NUM
fsr-3530	486	96	23	23	NUM
fsr-3530	486	97	26	26	NUM
fsr-3530	486	98	37	37	NUM
fsr-3530	486	99	auto	auto	NOUN
fsr-3530	486	100	20	20	NUM
fsr-3530	486	101	16	16	NUM
fsr-3530	486	102	15	15	NUM
fsr-3530	486	103	23	23	NUM
fsr-3530	486	104	24	24	NUM
fsr-3530	486	105	mortgage	mortgage	NOUN
fsr-3530	486	106	20	20	NUM
fsr-3530	486	107	20	20	NUM
fsr-3530	486	108	11	11	NUM
fsr-3530	486	109	24	24	NUM
fsr-3530	486	110	25	25	NUM
fsr-3530	486	111	home	home	NOUN
fsr-3530	486	112	ownership	ownership	NOUN
fsr-3530	486	113	home	home	NOUN
fsr-3530	486	114	owner	owner	NOUN
fsr-3530	486	115	22	22	NUM
fsr-3530	486	116	21	21	NUM
fsr-3530	486	117	12	12	NUM
fsr-3530	486	118	27	27	NUM
fsr-3530	486	119	28	28	NUM
fsr-3530	486	120	plan	plan	NOUN
fsr-3530	486	121	to	to	PART
fsr-3530	486	122	purchase	purchase	VERB
fsr-3530	486	123	home	home	NOUN
fsr-3530	486	124	46	46	NUM
fsr-3530	486	125	39	39	NUM
fsr-3530	486	126	55	55	NUM
fsr-3530	486	127	50	50	NUM
fsr-3530	486	128	43	43	NUM
fsr-3530	486	129	b.	b.	PROPN
fsr-3530	486	130	j.	j.	PROPN
fsr-3530	486	131	davis	davis	PROPN
fsr-3530	486	132	et	et	PROPN
fsr-3530	486	133	al	al	PROPN
fsr-3530	486	134	.	.	PUNCT
fsr-3530	486	135	/	/	SYM
fsr-3530	486	136	financial	financial	ADJ
fsr-3530	486	137	services	service	NOUN
fsr-3530	486	138	review	review	VERB
fsr-3530	486	139	31	31	NUM
fsr-3530	486	140	(	(	PUNCT
fsr-3530	486	141	2023	2023	NUM
fsr-3530	486	142	)	)	PUNCT
fsr-3530	486	143	133–150	133–150	NUM
fsr-3530	486	144	139	139	NUM
fsr-3530	486	145	credit	credit	NOUN
fsr-3530	486	146	card	card	NOUN
fsr-3530	486	147	debt	debt	NOUN
fsr-3530	486	148	may	may	AUX
fsr-3530	486	149	demonstrate	demonstrate	VERB
fsr-3530	486	150	greater	great	ADJ
fsr-3530	486	151	need	need	NOUN
fsr-3530	486	152	for	for	ADP
fsr-3530	486	153	financial	financial	ADJ
fsr-3530	486	154	education	education	NOUN
fsr-3530	486	155	since	since	SCONJ
fsr-3530	486	156	it	it	PRON
fsr-3530	486	157	relates	relate	VERB
fsr-3530	486	158	to	to	ADP
fsr-3530	486	159	household	household	NOUN
fsr-3530	486	160	balance	balance	NOUN
fsr-3530	486	161	sheets	sheet	NOUN
fsr-3530	486	162	and	and	CCONJ
fsr-3530	486	163	not	not	PART
fsr-3530	486	164	to	to	ADP
fsr-3530	486	165	human	human	ADJ
fsr-3530	486	166	capital	capital	NOUN
fsr-3530	486	167	acquisition	acquisition	NOUN
fsr-3530	486	168	or	or	CCONJ
fsr-3530	486	169	indicates	indicate	VERB
fsr-3530	486	170	the	the	DET
fsr-3530	486	171	reliance	reliance	NOUN
fsr-3530	486	172	on	on	ADP
fsr-3530	486	173	high	high	ADJ
fsr-3530	486	174	-	-	PUNCT
fsr-3530	486	175	cost	cost	NOUN
fsr-3530	486	176	credit	credit	NOUN
fsr-3530	486	177	card	card	NOUN
fsr-3530	486	178	debt	debt	NOUN
fsr-3530	486	179	to	to	PART
fsr-3530	486	180	finance	finance	VERB
fsr-3530	486	181	education	education	NOUN
fsr-3530	486	182	expenses	expense	NOUN
fsr-3530	486	183	.	.	PUNCT
fsr-3530	487	1	our	our	PRON
fsr-3530	487	2	final	final	ADJ
fsr-3530	487	3	category	category	NOUN
fsr-3530	487	4	is	be	AUX
fsr-3530	487	5	home	home	NOUN
fsr-3530	487	6	ownership	ownership	NOUN
fsr-3530	487	7	.	.	PUNCT
fsr-3530	488	1	about	about	ADV
fsr-3530	488	2	one	one	NUM
fsr-3530	488	3	in	in	ADP
fsr-3530	488	4	five	five	NUM
fsr-3530	488	5	already	already	ADV
fsr-3530	488	6	own	own	VERB
fsr-3530	488	7	a	a	DET
fsr-3530	488	8	home	home	NOUN
fsr-3530	488	9	and	and	CCONJ
fsr-3530	488	10	roughly	roughly	ADV
fsr-3530	488	11	50	50	NUM
fsr-3530	488	12	%	%	NOUN
fsr-3530	488	13	of	of	ADP
fsr-3530	488	14	students	student	NOUN
fsr-3530	488	15	are	be	AUX
fsr-3530	488	16	planning	plan	VERB
fsr-3530	488	17	to	to	PART
fsr-3530	488	18	purchase	purchase	VERB
fsr-3530	488	19	one	one	NUM
fsr-3530	488	20	in	in	ADP
fsr-3530	488	21	the	the	DET
fsr-3530	488	22	next	next	ADJ
fsr-3530	488	23	10	10	NUM
fsr-3530	488	24	years	year	NOUN
fsr-3530	488	25	,	,	PUNCT
fsr-3530	488	26	which	which	PRON
fsr-3530	488	27	varies	vary	VERB
fsr-3530	488	28	significantly	significantly	ADV
fsr-3530	488	29	by	by	ADP
fsr-3530	488	30	a	a	DET
fsr-3530	488	31	student	student	NOUN
fsr-3530	488	32	’s	’s	PART
fsr-3530	488	33	major	major	ADJ
fsr-3530	488	34	field	field	NOUN
fsr-3530	488	35	.	.	PUNCT
fsr-3530	489	1	we	we	PRON
fsr-3530	489	2	later	later	ADV
fsr-3530	489	3	control	control	VERB
fsr-3530	489	4	for	for	ADP
fsr-3530	489	5	this	this	PRON
fsr-3530	489	6	in	in	ADP
fsr-3530	489	7	our	our	PRON
fsr-3530	489	8	regression	regression	NOUN
fsr-3530	489	9	analysis	analysis	NOUN
fsr-3530	489	10	because	because	SCONJ
fsr-3530	489	11	purchasing	purchase	VERB
fsr-3530	489	12	a	a	DET
fsr-3530	489	13	home	home	NOUN
fsr-3530	489	14	involves	involve	VERB
fsr-3530	489	15	a	a	DET
fsr-3530	489	16	substantial	substantial	ADJ
fsr-3530	489	17	amount	amount	NOUN
fsr-3530	489	18	of	of	ADP
fsr-3530	489	19	financial	financial	ADJ
fsr-3530	489	20	planning	planning	NOUN
fsr-3530	489	21	,	,	PUNCT
fsr-3530	489	22	and	and	CCONJ
fsr-3530	489	23	we	we	PRON
fsr-3530	489	24	expect	expect	VERB
fsr-3530	489	25	those	those	DET
fsr-3530	489	26	planning	planning	NOUN
fsr-3530	489	27	to	to	PART
fsr-3530	489	28	purchase	purchase	VERB
fsr-3530	489	29	a	a	DET
fsr-3530	489	30	home	home	NOUN
fsr-3530	489	31	to	to	PART
fsr-3530	489	32	have	have	VERB
fsr-3530	489	33	greater	great	ADJ
fsr-3530	489	34	interest	interest	NOUN
fsr-3530	489	35	in	in	ADP
fsr-3530	489	36	financial	financial	ADJ
fsr-3530	489	37	education	education	NOUN
fsr-3530	489	38	.	.	PUNCT
fsr-3530	490	1	3.2	3.2	NUM
fsr-3530	490	2	.	.	PUNCT
fsr-3530	490	3	interest	interest	NOUN
fsr-3530	490	4	in	in	ADP
fsr-3530	490	5	financial	financial	ADJ
fsr-3530	490	6	education	education	NOUN
fsr-3530	490	7	in	in	ADP
fsr-3530	490	8	this	this	DET
fsr-3530	490	9	section	section	NOUN
fsr-3530	490	10	,	,	PUNCT
fsr-3530	490	11	we	we	PRON
fsr-3530	490	12	explore	explore	VERB
fsr-3530	490	13	the	the	DET
fsr-3530	490	14	relationship	relationship	NOUN
fsr-3530	490	15	between	between	ADP
fsr-3530	490	16	self	self	NOUN
fsr-3530	490	17	-	-	PUNCT
fsr-3530	490	18	assessed	assess	VERB
fsr-3530	490	19	and	and	CCONJ
fsr-3530	490	20	measured	measure	VERB
fsr-3530	490	21	financial	financial	ADJ
fsr-3530	490	22	literacy	literacy	NOUN
fsr-3530	490	23	and	and	CCONJ
fsr-3530	490	24	graduate	graduate	NOUN
fsr-3530	490	25	student	student	NOUN
fsr-3530	490	26	initial	initial	ADJ
fsr-3530	490	27	interest	interest	NOUN
fsr-3530	490	28	in	in	ADP
fsr-3530	490	29	attending	attend	VERB
fsr-3530	490	30	a	a	DET
fsr-3530	490	31	financial	financial	ADJ
fsr-3530	490	32	education	education	NOUN
fsr-3530	490	33	seminar	seminar	NOUN
fsr-3530	490	34	.	.	PUNCT
fsr-3530	491	1	nearly	nearly	ADV
fsr-3530	491	2	half	half	NOUN
fsr-3530	491	3	(	(	PUNCT
fsr-3530	491	4	48	48	NUM
fsr-3530	491	5	%	%	NOUN
fsr-3530	491	6	)	)	PUNCT
fsr-3530	491	7	of	of	ADP
fsr-3530	491	8	the	the	DET
fsr-3530	491	9	students	student	NOUN
fsr-3530	491	10	who	who	PRON
fsr-3530	491	11	participated	participate	VERB
fsr-3530	491	12	in	in	ADP
fsr-3530	491	13	the	the	DET
fsr-3530	491	14	survey	survey	NOUN
fsr-3530	491	15	indicated	indicate	VERB
fsr-3530	491	16	they	they	PRON
fsr-3530	491	17	were	be	AUX
fsr-3530	491	18	interested	interested	ADJ
fsr-3530	491	19	in	in	ADP
fsr-3530	491	20	financial	financial	ADJ
fsr-3530	491	21	education	education	NOUN
fsr-3530	491	22	.	.	PUNCT
fsr-3530	492	1	in	in	ADP
fsr-3530	492	2	table	table	NOUN
fsr-3530	492	3	5	5	NUM
fsr-3530	492	4	,	,	PUNCT
fsr-3530	492	5	we	we	PRON
fsr-3530	492	6	find	find	VERB
fsr-3530	492	7	differences	difference	NOUN
fsr-3530	492	8	for	for	ADP
fsr-3530	492	9	indicated	indicate	VERB
fsr-3530	492	10	interest	interest	NOUN
fsr-3530	492	11	across	across	ADP
fsr-3530	492	12	nearly	nearly	ADV
fsr-3530	492	13	all	all	PRON
fsr-3530	492	14	individual	individual	ADJ
fsr-3530	492	15	characteristics	characteristic	NOUN
fsr-3530	492	16	.	.	PUNCT
fsr-3530	493	1	while	while	SCONJ
fsr-3530	493	2	individuals	individual	NOUN
fsr-3530	493	3	who	who	PRON
fsr-3530	493	4	do	do	AUX
fsr-3530	493	5	not	not	PART
fsr-3530	493	6	interact	interact	VERB
fsr-3530	493	7	with	with	ADP
fsr-3530	493	8	financial	financial	ADJ
fsr-3530	493	9	institutions	institution	NOUN
fsr-3530	493	10	may	may	AUX
fsr-3530	493	11	gain	gain	VERB
fsr-3530	493	12	marginally	marginally	ADV
fsr-3530	493	13	greater	great	ADJ
fsr-3530	493	14	benefit	benefit	NOUN
fsr-3530	493	15	from	from	ADP
fsr-3530	493	16	financial	financial	ADJ
fsr-3530	493	17	education	education	NOUN
fsr-3530	493	18	,	,	PUNCT
fsr-3530	493	19	we	we	PRON
fsr-3530	493	20	find	find	VERB
fsr-3530	493	21	that	that	SCONJ
fsr-3530	493	22	those	those	PRON
fsr-3530	493	23	without	without	ADP
fsr-3530	493	24	checking	checking	NOUN
fsr-3530	493	25	and	and	CCONJ
fsr-3530	493	26	savings	saving	NOUN
fsr-3530	493	27	accounts	account	NOUN
fsr-3530	493	28	,	,	PUNCT
fsr-3530	493	29	or	or	CCONJ
fsr-3530	493	30	life	life	NOUN
fsr-3530	493	31	insurance	insurance	NOUN
fsr-3530	493	32	are	be	AUX
fsr-3530	493	33	significantly	significantly	ADV
fsr-3530	493	34	less	less	ADV
fsr-3530	493	35	interested	interested	ADJ
fsr-3530	493	36	in	in	ADP
fsr-3530	493	37	financial	financial	ADJ
fsr-3530	493	38	education	education	NOUN
fsr-3530	493	39	.	.	PUNCT
fsr-3530	494	1	however	however	ADV
fsr-3530	494	2	,	,	PUNCT
fsr-3530	494	3	on	on	ADP
fsr-3530	494	4	the	the	DET
fsr-3530	494	5	liability	liability	NOUN
fsr-3530	494	6	side	side	NOUN
fsr-3530	494	7	of	of	ADP
fsr-3530	494	8	household	household	NOUN
fsr-3530	494	9	balance	balance	NOUN
fsr-3530	494	10	sheets	sheet	NOUN
fsr-3530	494	11	,	,	PUNCT
fsr-3530	494	12	students	student	NOUN
fsr-3530	494	13	with	with	ADP
fsr-3530	494	14	student	student	NOUN
fsr-3530	494	15	loan	loan	NOUN
fsr-3530	494	16	debt	debt	NOUN
fsr-3530	494	17	or	or	CCONJ
fsr-3530	494	18	credit	credit	NOUN
fsr-3530	494	19	card	card	NOUN
fsr-3530	494	20	debt	debt	NOUN
fsr-3530	494	21	were	be	AUX
fsr-3530	494	22	more	more	ADV
fsr-3530	494	23	likely	likely	ADJ
fsr-3530	494	24	to	to	PART
fsr-3530	494	25	be	be	AUX
fsr-3530	494	26	interested	interested	ADJ
fsr-3530	494	27	in	in	ADP
fsr-3530	494	28	the	the	DET
fsr-3530	494	29	educational	educational	ADJ
fsr-3530	494	30	offerings	offering	NOUN
fsr-3530	494	31	.	.	PUNCT
fsr-3530	495	1	table	table	NOUN
fsr-3530	495	2	5	5	NUM
fsr-3530	495	3	student	student	NOUN
fsr-3530	495	4	characteristics	characteristic	NOUN
fsr-3530	495	5	by	by	ADP
fsr-3530	495	6	financial	financial	ADJ
fsr-3530	495	7	education	education	NOUN
fsr-3530	495	8	interest	interest	NOUN
fsr-3530	495	9	survey	survey	NOUN
fsr-3530	495	10	characteristics	characteristic	NOUN
fsr-3530	495	11	interested	interested	ADJ
fsr-3530	495	12	not	not	PART
fsr-3530	495	13	interested	interested	ADJ
fsr-3530	495	14	sig	sig	PRON
fsr-3530	495	15	financial	financial	ADJ
fsr-3530	495	16	literacy	literacy	NOUN
fsr-3530	495	17	and	and	CCONJ
fsr-3530	495	18	concern	concern	ADJ
fsr-3530	495	19	financial	financial	ADJ
fsr-3530	495	20	literacy	literacy	NOUN
fsr-3530	495	21	quiz	quiz	NOUN
fsr-3530	495	22	score	score	VERB
fsr-3530	495	23	8.31	8.31	NUM
fsr-3530	495	24	7.19	7.19	NUM
fsr-3530	495	25	*	*	PUNCT
fsr-3530	495	26	*	*	PUNCT
fsr-3530	495	27	*	*	PUNCT
fsr-3530	495	28	financial	financial	ADJ
fsr-3530	495	29	iq	iq	NOUN
fsr-3530	495	30	(	(	PUNCT
fsr-3530	495	31	self	self	NOUN
fsr-3530	495	32	-	-	PUNCT
fsr-3530	495	33	assessed	assess	VERB
fsr-3530	495	34	)	)	PUNCT
fsr-3530	495	35	4.59	4.59	NUM
fsr-3530	495	36	4.82	4.82	NUM
fsr-3530	495	37	*	*	PUNCT
fsr-3530	495	38	*	*	PUNCT
fsr-3530	495	39	*	*	PUNCT
fsr-3530	495	40	relative	relative	ADJ
fsr-3530	495	41	finiq	finiq	ADJ
fsr-3530	495	42	0.55	0.55	NUM
fsr-3530	495	43	0.48	0.48	NUM
fsr-3530	495	44	*	*	PUNCT
fsr-3530	495	45	*	*	PUNCT
fsr-3530	495	46	*	*	PUNCT
fsr-3530	495	47	personal	personal	ADJ
fsr-3530	495	48	finance	finance	NOUN
fsr-3530	495	49	concern	concern	NOUN
fsr-3530	495	50	0.75	0.75	NUM
fsr-3530	495	51	0.69	0.69	NUM
fsr-3530	495	52	*	*	PUNCT
fsr-3530	495	53	*	*	PUNCT
fsr-3530	495	54	*	*	PUNCT
fsr-3530	495	55	banking	banking	NOUN
fsr-3530	495	56	,	,	PUNCT
fsr-3530	495	57	assets	asset	NOUN
fsr-3530	495	58	,	,	PUNCT
fsr-3530	495	59	insurance	insurance	NOUN
fsr-3530	495	60	checking	checking	NOUN
fsr-3530	495	61	account	account	NOUN
fsr-3530	495	62	98	98	NUM
fsr-3530	495	63	%	%	NOUN
fsr-3530	495	64	81	81	NUM
fsr-3530	495	65	%	%	NOUN
fsr-3530	495	66	*	*	PUNCT
fsr-3530	495	67	*	*	PUNCT
fsr-3530	495	68	*	*	VERB
fsr-3530	495	69	savings	saving	NOUN
fsr-3530	495	70	account	account	VERB
fsr-3530	495	71	83	83	NUM
fsr-3530	495	72	65	65	NUM
fsr-3530	495	73	*	*	PUNCT
fsr-3530	495	74	*	*	PUNCT
fsr-3530	495	75	*	*	PUNCT
fsr-3530	495	76	investment	investment	NOUN
fsr-3530	495	77	account	account	NOUN
fsr-3530	495	78	42	42	NUM
fsr-3530	495	79	34	34	NUM
fsr-3530	495	80	*	*	PUNCT
fsr-3530	495	81	*	*	PUNCT
fsr-3530	495	82	*	*	PUNCT
fsr-3530	495	83	life	life	NOUN
fsr-3530	495	84	insurance	insurance	NOUN
fsr-3530	495	85	37	37	NUM
fsr-3530	495	86	31	31	NUM
fsr-3530	495	87	*	*	PUNCT
fsr-3530	495	88	*	*	PUNCT
fsr-3530	495	89	*	*	PUNCT
fsr-3530	495	90	student	student	NOUN
fsr-3530	495	91	debt	debt	NOUN
fsr-3530	495	92	only	only	ADV
fsr-3530	495	93	undergraduate	undergraduate	ADJ
fsr-3530	495	94	11	11	NUM
fsr-3530	495	95	%	%	NOUN
fsr-3530	495	96	7	7	NUM
fsr-3530	495	97	%	%	NOUN
fsr-3530	495	98	*	*	PUNCT
fsr-3530	496	1	*	*	PUNCT
fsr-3530	496	2	*	*	PUNCT
fsr-3530	496	3	only	only	ADV
fsr-3530	496	4	graduate	graduate	VERB
fsr-3530	496	5	21	21	NUM
fsr-3530	496	6	18	18	NUM
fsr-3530	496	7	*	*	PUNCT
fsr-3530	496	8	both	both	CCONJ
fsr-3530	496	9	undergrad	undergrad	NOUN
fsr-3530	496	10	and	and	CCONJ
fsr-3530	496	11	grad	grad	ADJ
fsr-3530	496	12	32	32	NUM
fsr-3530	496	13	24	24	NUM
fsr-3530	496	14	*	*	PUNCT
fsr-3530	496	15	*	*	PUNCT
fsr-3530	496	16	*	*	PUNCT
fsr-3530	496	17	any	any	DET
fsr-3530	496	18	student	student	NOUN
fsr-3530	496	19	debt	debt	NOUN
fsr-3530	496	20	64	64	NUM
fsr-3530	496	21	48	48	NUM
fsr-3530	496	22	*	*	PUNCT
fsr-3530	496	23	*	*	PUNCT
fsr-3530	496	24	*	*	PUNCT
fsr-3530	496	25	other	other	ADJ
fsr-3530	496	26	debt	debt	NOUN
fsr-3530	496	27	credit	credit	NOUN
fsr-3530	496	28	card	card	NOUN
fsr-3530	496	29	37	37	NUM
fsr-3530	496	30	%	%	NOUN
fsr-3530	496	31	26	26	NUM
fsr-3530	496	32	%	%	NOUN
fsr-3530	496	33	*	*	PUNCT
fsr-3530	496	34	*	*	PUNCT
fsr-3530	496	35	*	*	PUNCT
fsr-3530	496	36	auto	auto	NOUN
fsr-3530	496	37	loan	loan	NOUN
fsr-3530	496	38	23	23	NUM
fsr-3530	496	39	17	17	NUM
fsr-3530	496	40	*	*	PUNCT
fsr-3530	496	41	*	*	PUNCT
fsr-3530	496	42	*	*	PUNCT
fsr-3530	496	43	mortgage	mortgage	NOUN
fsr-3530	496	44	20	20	NUM
fsr-3530	496	45	20	20	NUM
fsr-3530	496	46	home	home	NOUN
fsr-3530	496	47	ownership	ownership	NOUN
fsr-3530	496	48	own	own	ADJ
fsr-3530	496	49	home	home	NOUN
fsr-3530	496	50	21	21	NUM
fsr-3530	496	51	%	%	NOUN
fsr-3530	496	52	23	23	NUM
fsr-3530	496	53	%	%	NOUN
fsr-3530	496	54	plan	plan	NOUN
fsr-3530	496	55	to	to	PART
fsr-3530	496	56	own	own	VERB
fsr-3530	496	57	home	home	ADV
fsr-3530	496	58	55	55	NUM
fsr-3530	496	59	39	39	NUM
fsr-3530	496	60	*	*	PUNCT
fsr-3530	496	61	*	*	PUNCT
fsr-3530	496	62	*	*	PUNCT
fsr-3530	496	63	note	note	NOUN
fsr-3530	496	64	.	.	PUNCT
fsr-3530	497	1	means	mean	NOUN
fsr-3530	497	2	or	or	CCONJ
fsr-3530	497	3	percents	percent	NOUN
fsr-3530	497	4	shown	show	VERB
fsr-3530	497	5	.	.	PUNCT
fsr-3530	498	1	*	*	PUNCT
fsr-3530	499	1	and	and	CCONJ
fsr-3530	499	2	*	*	PUNCT
fsr-3530	499	3	*	*	PUNCT
fsr-3530	499	4	*	*	PUNCT
fsr-3530	499	5	indicates	indicate	VERB
fsr-3530	499	6	differences	difference	NOUN
fsr-3530	499	7	are	be	AUX
fsr-3530	499	8	significant	significant	ADJ
fsr-3530	499	9	at	at	ADP
fsr-3530	499	10	the	the	DET
fsr-3530	499	11	10	10	NUM
fsr-3530	499	12	%	%	NOUN
fsr-3530	499	13	and	and	CCONJ
fsr-3530	499	14	1	1	NUM
fsr-3530	499	15	%	%	NOUN
fsr-3530	499	16	levels	level	NOUN
fsr-3530	499	17	,	,	PUNCT
fsr-3530	499	18	respectively	respectively	ADV
fsr-3530	499	19	.	.	PUNCT
fsr-3530	500	1	140	140	NUM
fsr-3530	500	2	b.	b.	PROPN
fsr-3530	500	3	j.	j.	PROPN
fsr-3530	500	4	davis	davis	PROPN
fsr-3530	500	5	et	et	PROPN
fsr-3530	500	6	al	al	PROPN
fsr-3530	500	7	.	.	PUNCT
fsr-3530	500	8	/	/	SYM
fsr-3530	500	9	financial	financial	ADJ
fsr-3530	500	10	services	service	NOUN
fsr-3530	500	11	review	review	VERB
fsr-3530	500	12	31	31	NUM
fsr-3530	500	13	(	(	PUNCT
fsr-3530	500	14	2023	2023	NUM
fsr-3530	500	15	)	)	PUNCT
fsr-3530	500	16	133–150	133–150	NUM
fsr-3530	500	17	graduate	graduate	NOUN
fsr-3530	500	18	students	student	NOUN
fsr-3530	500	19	signaling	signal	VERB
fsr-3530	500	20	interest	interest	NOUN
fsr-3530	500	21	in	in	ADP
fsr-3530	500	22	financial	financial	ADJ
fsr-3530	500	23	education	education	NOUN
fsr-3530	500	24	have	have	VERB
fsr-3530	500	25	significantly	significantly	ADV
fsr-3530	500	26	higher	high	ADJ
fsr-3530	500	27	financial	financial	ADJ
fsr-3530	500	28	literacy	literacy	NOUN
fsr-3530	500	29	,	,	PUNCT
fsr-3530	500	30	with	with	ADP
fsr-3530	500	31	interested	interested	ADJ
fsr-3530	500	32	students	student	NOUN
fsr-3530	500	33	averaging	average	VERB
fsr-3530	500	34	about	about	ADV
fsr-3530	500	35	1.2	1.2	NUM
fsr-3530	500	36	more	more	ADJ
fsr-3530	500	37	correct	correct	ADJ
fsr-3530	500	38	answers	answer	NOUN
fsr-3530	500	39	compared	compare	VERB
fsr-3530	500	40	to	to	ADP
fsr-3530	500	41	non	non	ADJ
fsr-3530	500	42	-	-	ADJ
fsr-3530	500	43	interested	interested	ADJ
fsr-3530	500	44	students	student	NOUN
fsr-3530	500	45	.	.	PUNCT
fsr-3530	501	1	further	far	ADV
fsr-3530	501	2	,	,	PUNCT
fsr-3530	501	3	non	non	ADJ
fsr-3530	501	4	-	-	ADJ
fsr-3530	501	5	interested	interested	ADJ
fsr-3530	501	6	students	student	NOUN
fsr-3530	501	7	are	be	AUX
fsr-3530	501	8	significantly	significantly	ADV
fsr-3530	501	9	more	more	ADV
fsr-3530	501	10	overconfident	overconfident	ADJ
fsr-3530	501	11	in	in	ADP
fsr-3530	501	12	their	their	PRON
fsr-3530	501	13	financial	financial	ADJ
fsr-3530	501	14	knowledge	knowledge	NOUN
fsr-3530	501	15	.	.	PUNCT
fsr-3530	502	1	this	this	PRON
fsr-3530	502	2	is	be	AUX
fsr-3530	502	3	also	also	ADV
fsr-3530	502	4	shown	show	VERB
fsr-3530	502	5	by	by	ADP
fsr-3530	502	6	the	the	DET
fsr-3530	502	7	distribution	distribution	NOUN
fsr-3530	502	8	of	of	ADP
fsr-3530	502	9	relative	relative	ADJ
fsr-3530	502	10	finiq	finiq	ADJ
fsr-3530	502	11	shown	show	VERB
fsr-3530	502	12	in	in	ADP
fsr-3530	502	13	fig	fig	NOUN
fsr-3530	502	14	.	.	PUNCT
fsr-3530	503	1	2	2	NUM
fsr-3530	503	2	,	,	PUNCT
fsr-3530	503	3	which	which	PRON
fsr-3530	503	4	displays	display	VERB
fsr-3530	503	5	kernel	kernel	PROPN
fsr-3530	503	6	density	density	PROPN
fsr-3530	503	7	estimates	estimate	NOUN
fsr-3530	503	8	of	of	ADP
fsr-3530	503	9	relative	relative	ADJ
fsr-3530	503	10	finiq	finiq	ADJ
fsr-3530	503	11	by	by	ADP
fsr-3530	503	12	indicated	indicate	VERB
fsr-3530	503	13	interest	interest	NOUN
fsr-3530	503	14	in	in	ADP
fsr-3530	503	15	financial	financial	ADJ
fsr-3530	503	16	education	education	NOUN
fsr-3530	503	17	.	.	PUNCT
fsr-3530	504	1	the	the	DET
fsr-3530	504	2	two	two	NUM
fsr-3530	504	3	distributions	distribution	NOUN
fsr-3530	504	4	are	be	AUX
fsr-3530	504	5	significantly	significantly	ADV
fsr-3530	504	6	different	different	ADJ
fsr-3530	504	7	(	(	PUNCT
fsr-3530	504	8	p	p	X
fsr-3530	504	9	<	<	X
fsr-3530	504	10	.01	.01	NUM
fsr-3530	504	11	)	)	PUNCT
fsr-3530	504	12	,	,	PUNCT
fsr-3530	504	13	with	with	ADP
fsr-3530	504	14	noninterested	noninterested	ADJ
fsr-3530	504	15	students	student	NOUN
fsr-3530	504	16	having	have	VERB
fsr-3530	504	17	a	a	DET
fsr-3530	504	18	greater	great	ADJ
fsr-3530	504	19	estimated	estimate	VERB
fsr-3530	504	20	density	density	NOUN
fsr-3530	504	21	in	in	ADP
fsr-3530	504	22	the	the	DET
fsr-3530	504	23	overconfidence	overconfidence	NOUN
fsr-3530	504	24	range	range	NOUN
fsr-3530	504	25	(	(	PUNCT
fsr-3530	504	26	values	value	NOUN
fsr-3530	504	27	below	below	ADP
fsr-3530	504	28	0.5	0.5	NUM
fsr-3530	504	29	)	)	PUNCT
fsr-3530	504	30	.	.	PUNCT
fsr-3530	505	1	this	this	DET
fsr-3530	505	2	result	result	NOUN
fsr-3530	505	3	is	be	AUX
fsr-3530	505	4	economically	economically	ADV
fsr-3530	505	5	meaningful	meaningful	ADJ
fsr-3530	505	6	as	as	ADP
fsr-3530	505	7	the	the	DET
fsr-3530	505	8	mean	mean	ADJ
fsr-3530	505	9	difference	difference	NOUN
fsr-3530	505	10	of	of	ADP
fsr-3530	505	11	0.07	0.07	NUM
fsr-3530	505	12	in	in	ADP
fsr-3530	505	13	the	the	DET
fsr-3530	505	14	relative	relative	ADJ
fsr-3530	505	15	measure	measure	NOUN
fsr-3530	505	16	between	between	ADP
fsr-3530	505	17	interested	interested	ADJ
fsr-3530	505	18	and	and	CCONJ
fsr-3530	505	19	non	non	ADJ
fsr-3530	505	20	-	-	ADJ
fsr-3530	505	21	interested	interested	ADJ
fsr-3530	505	22	students	student	NOUN
fsr-3530	505	23	equates	equate	VERB
fsr-3530	505	24	to	to	ADP
fsr-3530	505	25	1.68	1.68	NUM
fsr-3530	505	26	fewer	few	ADJ
fsr-3530	505	27	questions	question	NOUN
fsr-3530	505	28	answered	answer	VERB
fsr-3530	505	29	correctly	correctly	ADV
fsr-3530	505	30	(	(	PUNCT
fsr-3530	505	31	out	out	ADP
fsr-3530	505	32	of	of	ADP
fsr-3530	505	33	12	12	NUM
fsr-3530	505	34	)	)	PUNCT
fsr-3530	505	35	on	on	ADP
fsr-3530	505	36	our	our	PRON
fsr-3530	505	37	financial	financial	ADJ
fsr-3530	505	38	quiz	quiz	NOUN
fsr-3530	505	39	for	for	ADP
fsr-3530	505	40	the	the	DET
fsr-3530	505	41	relatively	relatively	ADV
fsr-3530	505	42	more	more	ADV
fsr-3530	505	43	overconfident	overconfident	ADJ
fsr-3530	505	44	student	student	NOUN
fsr-3530	505	45	given	give	VERB
fsr-3530	505	46	a	a	DET
fsr-3530	505	47	fixed	fix	VERB
fsr-3530	505	48	self	self	NOUN
fsr-3530	505	49	-	-	PUNCT
fsr-3530	505	50	assessed	assess	VERB
fsr-3530	505	51	score	score	NOUN
fsr-3530	505	52	.	.	PUNCT
fsr-3530	506	1	alternatively	alternatively	ADV
fsr-3530	506	2	,	,	PUNCT
fsr-3530	506	3	a	a	DET
fsr-3530	506	4	0.07	0.07	NUM
fsr-3530	506	5	difference	difference	NOUN
fsr-3530	506	6	results	result	NOUN
fsr-3530	506	7	in	in	ADP
fsr-3530	506	8	a	a	DET
fsr-3530	506	9	0.84	0.84	NUM
fsr-3530	506	10	greater	great	ADJ
fsr-3530	506	11	self	self	NOUN
fsr-3530	506	12	-	-	PUNCT
fsr-3530	506	13	assessed	assess	VERB
fsr-3530	506	14	score	score	NOUN
fsr-3530	506	15	,	,	PUNCT
fsr-3530	506	16	given	give	VERB
fsr-3530	506	17	a	a	DET
fsr-3530	506	18	fixed	fix	VERB
fsr-3530	506	19	quiz	quiz	NOUN
fsr-3530	506	20	score	score	NOUN
fsr-3530	506	21	,	,	PUNCT
fsr-3530	506	22	for	for	ADP
fsr-3530	506	23	the	the	DET
fsr-3530	506	24	relatively	relatively	ADV
fsr-3530	506	25	more	more	ADV
fsr-3530	506	26	overconfident	overconfident	ADJ
fsr-3530	506	27	student	student	NOUN
fsr-3530	506	28	.	.	PUNCT
fsr-3530	507	1	overconfident	overconfident	ADJ
fsr-3530	507	2	students	student	NOUN
fsr-3530	507	3	with	with	ADP
fsr-3530	507	4	low	low	ADJ
fsr-3530	507	5	measured	measure	VERB
fsr-3530	507	6	financial	financial	ADJ
fsr-3530	507	7	literacy	literacy	NOUN
fsr-3530	507	8	would	would	AUX
fsr-3530	507	9	arguably	arguably	ADV
fsr-3530	507	10	benefit	benefit	VERB
fsr-3530	507	11	the	the	DET
fsr-3530	507	12	most	most	ADJ
fsr-3530	507	13	from	from	ADP
fsr-3530	507	14	financial	financial	ADJ
fsr-3530	507	15	education	education	NOUN
fsr-3530	507	16	.	.	PUNCT
fsr-3530	508	1	unfortunately	unfortunately	ADV
fsr-3530	508	2	,	,	PUNCT
fsr-3530	508	3	table	table	NOUN
fsr-3530	508	4	6	6	NUM
fsr-3530	508	5	and	and	CCONJ
fsr-3530	508	6	fig	fig	NOUN
fsr-3530	508	7	.	.	PUNCT
fsr-3530	508	8	3	3	NUM
fsr-3530	508	9	indicates	indicate	VERB
fsr-3530	508	10	that	that	SCONJ
fsr-3530	508	11	these	these	DET
fsr-3530	508	12	students	student	NOUN
fsr-3530	508	13	were	be	AUX
fsr-3530	508	14	least	least	ADV
fsr-3530	508	15	interested	interested	ADJ
fsr-3530	508	16	in	in	ADP
fsr-3530	508	17	improving	improve	VERB
fsr-3530	508	18	their	their	PRON
fsr-3530	508	19	financial	financial	ADJ
fsr-3530	508	20	knowledge	knowledge	NOUN
fsr-3530	508	21	.	.	PUNCT
fsr-3530	509	1	in	in	ADP
fsr-3530	509	2	table	table	NOUN
fsr-3530	509	3	6	6	NUM
fsr-3530	509	4	,	,	PUNCT
fsr-3530	509	5	we	we	PRON
fsr-3530	509	6	examine	examine	VERB
fsr-3530	509	7	the	the	DET
fsr-3530	509	8	percentage	percentage	NOUN
fsr-3530	509	9	of	of	ADP
fsr-3530	509	10	students	student	NOUN
fsr-3530	509	11	interested	interested	ADJ
fsr-3530	509	12	in	in	ADP
fsr-3530	509	13	financial	financial	ADJ
fsr-3530	509	14	education	education	NOUN
fsr-3530	509	15	by	by	ADP
fsr-3530	509	16	their	their	PRON
fsr-3530	509	17	self	self	NOUN
fsr-3530	509	18	-	-	PUNCT
fsr-3530	509	19	assessed	assess	VERB
fsr-3530	509	20	financial	financial	ADJ
fsr-3530	509	21	iq	iq	NOUN
fsr-3530	509	22	rating	rating	NOUN
fsr-3530	509	23	and	and	CCONJ
fsr-3530	509	24	how	how	SCONJ
fsr-3530	509	25	well	well	ADV
fsr-3530	509	26	they	they	PRON
fsr-3530	509	27	did	do	VERB
fsr-3530	509	28	on	on	ADP
fsr-3530	509	29	the	the	DET
fsr-3530	509	30	financial	financial	ADJ
fsr-3530	509	31	literacy	literacy	NOUN
fsr-3530	509	32	quiz	quiz	NOUN
fsr-3530	509	33	,	,	PUNCT
fsr-3530	509	34	grouping	group	VERB
fsr-3530	509	35	the	the	DET
fsr-3530	509	36	latter	latter	ADJ
fsr-3530	509	37	into	into	ADP
fsr-3530	509	38	four	four	NUM
fsr-3530	509	39	categories	category	NOUN
fsr-3530	509	40	.	.	PUNCT
fsr-3530	510	1	the	the	DET
fsr-3530	510	2	data	datum	NOUN
fsr-3530	510	3	suggest	suggest	VERB
fsr-3530	510	4	there	there	PRON
fsr-3530	510	5	is	be	VERB
fsr-3530	510	6	a	a	DET
fsr-3530	510	7	strong	strong	ADJ
fsr-3530	510	8	negative	negative	ADJ
fsr-3530	510	9	correlation	correlation	NOUN
fsr-3530	510	10	between	between	ADP
fsr-3530	510	11	overconfidence	overconfidence	NOUN
fsr-3530	510	12	and	and	CCONJ
fsr-3530	510	13	interest	interest	NOUN
fsr-3530	510	14	in	in	ADP
fsr-3530	510	15	financial	financial	ADJ
fsr-3530	510	16	education.11	education.11	NOUN
fsr-3530	510	17	this	this	DET
fsr-3530	510	18	finding	finding	NOUN
fsr-3530	510	19	is	be	AUX
fsr-3530	510	20	highlighted	highlight	VERB
fsr-3530	510	21	by	by	ADP
fsr-3530	510	22	fig	fig	NOUN
fsr-3530	510	23	.	.	PUNCT
fsr-3530	511	1	3	3	NUM
fsr-3530	511	2	,	,	PUNCT
fsr-3530	511	3	which	which	PRON
fsr-3530	511	4	displays	display	VERB
fsr-3530	511	5	a	a	DET
fsr-3530	511	6	wireframe	wireframe	NOUN
fsr-3530	511	7	surface	surface	NOUN
fsr-3530	511	8	plot	plot	NOUN
fsr-3530	511	9	on	on	ADP
fsr-3530	511	10	the	the	DET
fsr-3530	511	11	data	data	NOUN
fsr-3530	511	12	points	point	NOUN
fsr-3530	511	13	shown	show	VERB
fsr-3530	511	14	in	in	ADP
fsr-3530	511	15	table	table	NOUN
fsr-3530	511	16	6	6	NUM
fsr-3530	511	17	.	.	PUNCT
fsr-3530	511	18	financial	financial	ADJ
fsr-3530	511	19	literacy	literacy	NOUN
fsr-3530	511	20	and	and	CCONJ
fsr-3530	511	21	selfassessed	selfassesse	VERB
fsr-3530	511	22	financial	financial	ADJ
fsr-3530	511	23	iq	iq	NOUN
fsr-3530	511	24	are	be	AUX
fsr-3530	511	25	shown	show	VERB
fsr-3530	511	26	on	on	ADP
fsr-3530	511	27	the	the	DET
fsr-3530	511	28	x	x	NOUN
fsr-3530	511	29	and	and	CCONJ
fsr-3530	511	30	y	y	PROPN
fsr-3530	511	31	axes	axis	NOUN
fsr-3530	511	32	,	,	PUNCT
fsr-3530	511	33	and	and	CCONJ
fsr-3530	511	34	the	the	DET
fsr-3530	511	35	percentage	percentage	NOUN
fsr-3530	511	36	of	of	ADP
fsr-3530	511	37	students	student	NOUN
fsr-3530	511	38	who	who	PRON
fsr-3530	511	39	indicated	indicate	VERB
fsr-3530	511	40	they	they	PRON
fsr-3530	511	41	are	be	AUX
fsr-3530	511	42	interested	interested	ADJ
fsr-3530	511	43	in	in	ADP
fsr-3530	511	44	financial	financial	ADJ
fsr-3530	511	45	education	education	NOUN
fsr-3530	511	46	is	be	AUX
fsr-3530	511	47	shown	show	VERB
fsr-3530	511	48	on	on	ADP
fsr-3530	511	49	the	the	DET
fsr-3530	511	50	z	z	PROPN
fsr-3530	511	51	(	(	PUNCT
fsr-3530	511	52	vertical	vertical	ADJ
fsr-3530	511	53	)	)	PUNCT
fsr-3530	511	54	axis	axis	NOUN
fsr-3530	511	55	.	.	PUNCT
fsr-3530	512	1	here	here	ADV
fsr-3530	512	2	the	the	DET
fsr-3530	512	3	relationship	relationship	NOUN
fsr-3530	512	4	is	be	AUX
fsr-3530	512	5	clear	clear	ADJ
fsr-3530	512	6	:	:	PUNCT
fsr-3530	512	7	students	student	NOUN
fsr-3530	512	8	who	who	PRON
fsr-3530	512	9	have	have	VERB
fsr-3530	512	10	high	high	ADJ
fsr-3530	512	11	financial	financial	ADJ
fsr-3530	512	12	literacy	literacy	NOUN
fsr-3530	512	13	but	but	CCONJ
fsr-3530	512	14	self	self	NOUN
fsr-3530	512	15	-	-	PUNCT
fsr-3530	512	16	assess	assess	VERB
fsr-3530	512	17	a	a	DET
fsr-3530	512	18	low	low	ADJ
fsr-3530	512	19	level	level	NOUN
fsr-3530	512	20	of	of	ADP
fsr-3530	512	21	financial	financial	ADJ
fsr-3530	512	22	iq	iq	NOUN
fsr-3530	512	23	are	be	AUX
fsr-3530	512	24	the	the	DET
fsr-3530	512	25	most	most	ADV
fsr-3530	512	26	interested	interested	ADJ
fsr-3530	512	27	in	in	ADP
fsr-3530	512	28	financial	financial	ADJ
fsr-3530	512	29	education	education	NOUN
fsr-3530	512	30	(	(	PUNCT
fsr-3530	512	31	often	often	ADV
fsr-3530	512	32	over	over	ADP
fsr-3530	512	33	70	70	NUM
fsr-3530	512	34	%	%	NOUN
fsr-3530	512	35	)	)	PUNCT
fsr-3530	512	36	.	.	PUNCT
fsr-3530	513	1	comparatively	comparatively	ADV
fsr-3530	513	2	,	,	PUNCT
fsr-3530	513	3	students	student	NOUN
fsr-3530	513	4	with	with	ADP
fsr-3530	513	5	low	low	ADJ
fsr-3530	513	6	financial	financial	ADJ
fsr-3530	513	7	literacy	literacy	NOUN
fsr-3530	513	8	but	but	CCONJ
fsr-3530	513	9	self	self	NOUN
fsr-3530	513	10	-	-	PUNCT
fsr-3530	513	11	assess	assess	VERB
fsr-3530	513	12	a	a	DET
fsr-3530	513	13	high	high	ADJ
fsr-3530	513	14	level	level	NOUN
fsr-3530	513	15	of	of	ADP
fsr-3530	513	16	financial	financial	ADJ
fsr-3530	513	17	iq	iq	NOUN
fsr-3530	513	18	are	be	AUX
fsr-3530	513	19	less	less	ADV
fsr-3530	513	20	interested	interested	ADJ
fsr-3530	513	21	(	(	PUNCT
fsr-3530	513	22	generally	generally	ADV
fsr-3530	513	23	less	less	ADJ
fsr-3530	513	24	than	than	ADP
fsr-3530	513	25	30	30	NUM
fsr-3530	513	26	%	%	NOUN
fsr-3530	513	27	of	of	ADP
fsr-3530	513	28	the	the	DET
fsr-3530	513	29	time	time	NOUN
fsr-3530	513	30	)	)	PUNCT
fsr-3530	513	31	.	.	PUNCT
fsr-3530	514	1	fig	fig	NOUN
fsr-3530	514	2	.	.	PUNCT
fsr-3530	515	1	2	2	X
fsr-3530	515	2	.	.	PUNCT
fsr-3530	515	3	kernel	kernel	PROPN
fsr-3530	515	4	density	density	PROPN
fsr-3530	515	5	estimates	estimate	NOUN
fsr-3530	515	6	of	of	ADP
fsr-3530	515	7	relative	relative	ADJ
fsr-3530	515	8	finiq	finiq	ADJ
fsr-3530	515	9	by	by	ADP
fsr-3530	515	10	indicated	indicate	VERB
fsr-3530	515	11	interest	interest	NOUN
fsr-3530	515	12	in	in	ADP
fsr-3530	515	13	financial	financial	ADJ
fsr-3530	515	14	education	education	NOUN
fsr-3530	515	15	.	.	PUNCT
fsr-3530	516	1	b.	b.	PROPN
fsr-3530	516	2	j.	j.	PROPN
fsr-3530	516	3	davis	davis	PROPN
fsr-3530	516	4	et	et	PROPN
fsr-3530	516	5	al	al	PROPN
fsr-3530	516	6	.	.	PUNCT
fsr-3530	516	7	/	/	SYM
fsr-3530	516	8	financial	financial	ADJ
fsr-3530	516	9	services	service	NOUN
fsr-3530	516	10	review	review	VERB
fsr-3530	516	11	31	31	NUM
fsr-3530	516	12	(	(	PUNCT
fsr-3530	516	13	2023	2023	NUM
fsr-3530	516	14	)	)	PUNCT
fsr-3530	516	15	133–150	133–150	NUM
fsr-3530	516	16	141	141	NUM
fsr-3530	516	17	to	to	PART
fsr-3530	516	18	understand	understand	VERB
fsr-3530	516	19	this	this	DET
fsr-3530	516	20	relationship	relationship	NOUN
fsr-3530	516	21	over	over	ADP
fsr-3530	516	22	all	all	DET
fsr-3530	516	23	possible	possible	ADJ
fsr-3530	516	24	values	value	NOUN
fsr-3530	516	25	,	,	PUNCT
fsr-3530	516	26	fig	fig	NOUN
fsr-3530	516	27	.	.	PUNCT
fsr-3530	517	1	4	4	NUM
fsr-3530	517	2	displays	display	NOUN
fsr-3530	517	3	predicted	predict	VERB
fsr-3530	517	4	probabilities	probability	NOUN
fsr-3530	517	5	of	of	ADP
fsr-3530	517	6	financial	financial	ADJ
fsr-3530	517	7	education	education	NOUN
fsr-3530	517	8	interest	interest	NOUN
fsr-3530	517	9	.	.	PUNCT
fsr-3530	518	1	the	the	DET
fsr-3530	518	2	predicted	predict	VERB
fsr-3530	518	3	probabilities	probability	NOUN
fsr-3530	518	4	are	be	AUX
fsr-3530	518	5	generated	generate	VERB
fsr-3530	518	6	using	use	VERB
fsr-3530	518	7	a	a	DET
fsr-3530	518	8	simple	simple	ADJ
fsr-3530	518	9	logit	logit	NOUN
fsr-3530	518	10	model	model	NOUN
fsr-3530	518	11	estimating	estimate	VERB
fsr-3530	518	12	the	the	DET
fsr-3530	518	13	likelihood	likelihood	NOUN
fsr-3530	518	14	that	that	SCONJ
fsr-3530	518	15	students	student	NOUN
fsr-3530	518	16	indicated	indicate	VERB
fsr-3530	518	17	interest	interest	NOUN
fsr-3530	518	18	in	in	ADP
fsr-3530	518	19	financial	financial	ADJ
fsr-3530	518	20	education	education	NOUN
fsr-3530	518	21	regressed	regress	VERB
fsr-3530	518	22	on	on	ADP
fsr-3530	518	23	a	a	DET
fsr-3530	518	24	student	student	NOUN
fsr-3530	518	25	’s	’s	PART
fsr-3530	518	26	finiq	finiq	ADJ
fsr-3530	518	27	and	and	CCONJ
fsr-3530	518	28	financial	financial	ADJ
fsr-3530	518	29	literacy	literacy	NOUN
fsr-3530	518	30	quiz	quiz	NOUN
fsr-3530	518	31	score	score	NOUN
fsr-3530	518	32	,	,	PUNCT
fsr-3530	518	33	treating	treat	VERB
fsr-3530	518	34	the	the	DET
fsr-3530	518	35	two	two	NUM
fsr-3530	518	36	exogenous	exogenous	ADJ
fsr-3530	518	37	variables	variable	NOUN
fsr-3530	518	38	as	as	ADP
fsr-3530	518	39	categorical	categorical	ADJ
fsr-3530	518	40	variables.12	variables.12	NOUN
fsr-3530	518	41	the	the	DET
fsr-3530	518	42	full	full	ADJ
fsr-3530	518	43	profile	profile	NOUN
fsr-3530	518	44	of	of	ADP
fsr-3530	518	45	predicted	predict	VERB
fsr-3530	518	46	probabilities	probability	NOUN
fsr-3530	518	47	is	be	AUX
fsr-3530	518	48	shown	show	VERB
fsr-3530	518	49	in	in	ADP
fsr-3530	518	50	appendix	appendix	ADJ
fsr-3530	518	51	table	table	NOUN
fsr-3530	518	52	a.1	a.1	PROPN
fsr-3530	518	53	.	.	PUNCT
fsr-3530	519	1	fig	fig	NOUN
fsr-3530	519	2	.	.	PUNCT
fsr-3530	520	1	4	4	NUM
fsr-3530	520	2	replicates	replicate	NOUN
fsr-3530	520	3	and	and	CCONJ
fsr-3530	520	4	smooths	smooth	VERB
fsr-3530	520	5	the	the	DET
fsr-3530	520	6	relationship	relationship	NOUN
fsr-3530	520	7	shown	show	VERB
fsr-3530	520	8	in	in	ADP
fsr-3530	520	9	fig	fig	NOUN
fsr-3530	520	10	.	.	PUNCT
fsr-3530	521	1	3	3	X
fsr-3530	521	2	.	.	X
fsr-3530	521	3	generally	generally	ADV
fsr-3530	521	4	,	,	PUNCT
fsr-3530	521	5	the	the	DET
fsr-3530	521	6	predicted	predict	VERB
fsr-3530	521	7	probability	probability	NOUN
fsr-3530	521	8	that	that	SCONJ
fsr-3530	521	9	a	a	DET
fsr-3530	521	10	student	student	NOUN
fsr-3530	521	11	signals	signal	VERB
fsr-3530	521	12	interest	interest	NOUN
fsr-3530	521	13	increases	increase	VERB
fsr-3530	521	14	significantly	significantly	ADV
fsr-3530	521	15	in	in	ADP
fsr-3530	521	16	one	one	NUM
fsr-3530	521	17	’s	’s	PART
fsr-3530	521	18	measured	measure	VERB
fsr-3530	521	19	financial	financial	ADJ
fsr-3530	521	20	literacy	literacy	NOUN
fsr-3530	521	21	but	but	CCONJ
fsr-3530	521	22	significantly	significantly	ADV
fsr-3530	521	23	decreases	decrease	VERB
fsr-3530	521	24	as	as	ADP
fsr-3530	521	25	a	a	DET
fsr-3530	521	26	student	student	NOUN
fsr-3530	521	27	’s	’s	PART
fsr-3530	521	28	selfassessment	selfassessment	NOUN
fsr-3530	521	29	increases	increase	VERB
fsr-3530	521	30	.	.	PUNCT
fsr-3530	522	1	students	student	NOUN
fsr-3530	522	2	with	with	ADP
fsr-3530	522	3	a	a	DET
fsr-3530	522	4	combination	combination	NOUN
fsr-3530	522	5	of	of	ADP
fsr-3530	522	6	high	high	ADJ
fsr-3530	522	7	self	self	NOUN
fsr-3530	522	8	-	-	PUNCT
fsr-3530	522	9	assessed	assess	VERB
fsr-3530	522	10	financial	financial	ADJ
fsr-3530	522	11	iq	iq	NOUN
fsr-3530	522	12	and	and	CCONJ
fsr-3530	522	13	low	low	ADJ
fsr-3530	522	14	actual	actual	ADJ
fsr-3530	522	15	financial	financial	ADJ
fsr-3530	522	16	literacy	literacy	NOUN
fsr-3530	522	17	are	be	AUX
fsr-3530	522	18	predicted	predict	VERB
fsr-3530	522	19	to	to	PART
fsr-3530	522	20	be	be	AUX
fsr-3530	522	21	the	the	DET
fsr-3530	522	22	least	least	ADV
fsr-3530	522	23	likely	likely	ADJ
fsr-3530	522	24	to	to	PART
fsr-3530	522	25	signal	signal	VERB
fsr-3530	522	26	interest	interest	NOUN
fsr-3530	522	27	in	in	ADP
fsr-3530	522	28	financial	financial	ADJ
fsr-3530	522	29	education	education	NOUN
fsr-3530	522	30	.	.	PUNCT
fsr-3530	523	1	for	for	ADP
fsr-3530	523	2	example	example	NOUN
fsr-3530	523	3	,	,	PUNCT
fsr-3530	523	4	a	a	DET
fsr-3530	523	5	student	student	NOUN
fsr-3530	523	6	answering	answer	VERB
fsr-3530	523	7	all	all	DET
fsr-3530	523	8	questions	question	NOUN
fsr-3530	523	9	correctly	correctly	ADV
fsr-3530	523	10	but	but	CCONJ
fsr-3530	523	11	self	self	NOUN
fsr-3530	523	12	-	-	PUNCT
fsr-3530	523	13	assesses	assess	VERB
fsr-3530	523	14	the	the	DET
fsr-3530	523	15	lowest	low	ADJ
fsr-3530	523	16	level	level	NOUN
fsr-3530	523	17	of	of	ADP
fsr-3530	523	18	financial	financial	ADJ
fsr-3530	523	19	knowledge	knowledge	NOUN
fsr-3530	523	20	is	be	AUX
fsr-3530	523	21	predicted	predict	VERB
fsr-3530	523	22	to	to	PART
fsr-3530	523	23	signal	signal	VERB
fsr-3530	523	24	interest	interest	NOUN
fsr-3530	523	25	with	with	ADP
fsr-3530	523	26	a	a	DET
fsr-3530	523	27	probability	probability	NOUN
fsr-3530	523	28	above	above	ADP
fsr-3530	523	29	60	60	NUM
fsr-3530	523	30	%	%	NOUN
fsr-3530	523	31	,	,	PUNCT
fsr-3530	523	32	which	which	PRON
fsr-3530	523	33	decreases	decrease	VERB
fsr-3530	523	34	to	to	ADP
fsr-3530	523	35	45	45	NUM
fsr-3530	523	36	%	%	NOUN
fsr-3530	523	37	for	for	ADP
fsr-3530	523	38	a	a	DET
fsr-3530	523	39	student	student	NOUN
fsr-3530	523	40	self	self	NOUN
fsr-3530	523	41	-	-	PUNCT
fsr-3530	523	42	assessing	assess	VERB
fsr-3530	523	43	the	the	DET
fsr-3530	523	44	highest	high	ADJ
fsr-3530	523	45	level	level	NOUN
fsr-3530	523	46	of	of	ADP
fsr-3530	523	47	financial	financial	ADJ
fsr-3530	523	48	knowledge	knowledge	NOUN
fsr-3530	523	49	.	.	PUNCT
fsr-3530	524	1	by	by	ADP
fsr-3530	524	2	contrast	contrast	NOUN
fsr-3530	524	3	,	,	PUNCT
fsr-3530	524	4	a	a	DET
fsr-3530	524	5	student	student	NOUN
fsr-3530	524	6	answering	answer	VERB
fsr-3530	524	7	no	no	DET
fsr-3530	524	8	questions	question	NOUN
fsr-3530	524	9	correctly	correctly	ADV
fsr-3530	524	10	on	on	ADP
fsr-3530	524	11	the	the	DET
fsr-3530	524	12	financial	financial	ADJ
fsr-3530	524	13	literacy	literacy	NOUN
fsr-3530	524	14	table	table	NOUN
fsr-3530	524	15	6	6	NUM
fsr-3530	524	16	financial	financial	ADJ
fsr-3530	524	17	education	education	NOUN
fsr-3530	524	18	interest	interest	NOUN
fsr-3530	524	19	by	by	ADP
fsr-3530	524	20	measured	measure	VERB
fsr-3530	524	21	and	and	CCONJ
fsr-3530	524	22	self	self	NOUN
fsr-3530	524	23	-	-	PUNCT
fsr-3530	524	24	assessed	assess	VERB
fsr-3530	524	25	financial	financial	ADJ
fsr-3530	524	26	literacy	literacy	NOUN
fsr-3530	524	27	percent	percent	NOUN
fsr-3530	524	28	interested	interested	ADJ
fsr-3530	524	29	in	in	ADP
fsr-3530	524	30	financial	financial	ADJ
fsr-3530	524	31	education	education	NOUN
fsr-3530	524	32	self	self	NOUN
fsr-3530	524	33	-	-	PUNCT
fsr-3530	524	34	assessed	assess	VERB
fsr-3530	524	35	percent	percent	NOUN
fsr-3530	524	36	of	of	ADP
fsr-3530	524	37	financial	financial	ADJ
fsr-3530	524	38	quiz	quiz	NOUN
fsr-3530	524	39	questions	question	NOUN
fsr-3530	524	40	correct	correct	ADJ
fsr-3530	524	41	financial	financial	ADJ
fsr-3530	524	42	iq	iq	NOUN
fsr-3530	524	43	0–25	0–25	PROPN
fsr-3530	524	44	%	%	NOUN
fsr-3530	524	45	26–50	26–50	NUM
fsr-3530	524	46	%	%	NOUN
fsr-3530	524	47	51–75	51–75	NUM
fsr-3530	524	48	%	%	NOUN
fsr-3530	524	49	76–100	76–100	NUM
fsr-3530	524	50	%	%	NOUN
fsr-3530	525	1	mean	mean	NOUN
fsr-3530	525	2	n	n	NUM
fsr-3530	525	3	1	1	NUM
fsr-3530	525	4	(	(	PUNCT
fsr-3530	525	5	very	very	ADV
fsr-3530	525	6	low	low	ADJ
fsr-3530	525	7	)	)	PUNCT
fsr-3530	525	8	50	50	NUM
fsr-3530	525	9	%	%	NOUN
fsr-3530	525	10	80	80	NUM
fsr-3530	525	11	%	%	NOUN
fsr-3530	525	12	50	50	NUM
fsr-3530	525	13	%	%	NOUN
fsr-3530	525	14	0	0	NUM
fsr-3530	525	15	%	%	NOUN
fsr-3530	525	16	55	55	NUM
fsr-3530	525	17	%	%	NOUN
fsr-3530	525	18	20	20	NUM
fsr-3530	525	19	2	2	NUM
fsr-3530	525	20	29	29	NUM
fsr-3530	525	21	%	%	NOUN
fsr-3530	525	22	65	65	NUM
fsr-3530	525	23	%	%	NOUN
fsr-3530	525	24	72	72	NUM
fsr-3530	525	25	%	%	NOUN
fsr-3530	525	26	82	82	NUM
fsr-3530	525	27	%	%	NOUN
fsr-3530	525	28	63	63	NUM
fsr-3530	525	29	%	%	NOUN
fsr-3530	525	30	80	80	NUM
fsr-3530	525	31	3	3	NUM
fsr-3530	525	32	26	26	NUM
fsr-3530	525	33	%	%	NOUN
fsr-3530	525	34	61	61	NUM
fsr-3530	525	35	%	%	NOUN
fsr-3530	525	36	68	68	NUM
fsr-3530	525	37	%	%	NOUN
fsr-3530	525	38	70	70	NUM
fsr-3530	525	39	%	%	NOUN
fsr-3530	525	40	62	62	NUM
fsr-3530	525	41	%	%	NOUN
fsr-3530	525	42	236	236	NUM
fsr-3530	525	43	4	4	NUM
fsr-3530	525	44	20	20	NUM
fsr-3530	525	45	%	%	NOUN
fsr-3530	525	46	49	49	NUM
fsr-3530	525	47	%	%	NOUN
fsr-3530	525	48	61	61	NUM
fsr-3530	525	49	%	%	NOUN
fsr-3530	525	50	58	58	NUM
fsr-3530	525	51	%	%	NOUN
fsr-3530	525	52	56	56	NUM
fsr-3530	525	53	%	%	NOUN
fsr-3530	525	54	646	646	NUM
fsr-3530	525	55	5	5	NUM
fsr-3530	525	56	22	22	NUM
fsr-3530	525	57	%	%	NOUN
fsr-3530	525	58	30	30	NUM
fsr-3530	525	59	%	%	NOUN
fsr-3530	525	60	64	64	NUM
fsr-3530	525	61	%	%	NOUN
fsr-3530	525	62	59	59	NUM
fsr-3530	525	63	%	%	NOUN
fsr-3530	525	64	57	57	NUM
fsr-3530	525	65	%	%	NOUN
fsr-3530	525	66	481	481	NUM
fsr-3530	525	67	6	6	NUM
fsr-3530	525	68	6	6	NUM
fsr-3530	525	69	%	%	NOUN
fsr-3530	525	70	30	30	NUM
fsr-3530	525	71	%	%	NOUN
fsr-3530	525	72	57	57	NUM
fsr-3530	525	73	%	%	NOUN
fsr-3530	525	74	55	55	NUM
fsr-3530	525	75	%	%	NOUN
fsr-3530	525	76	51	51	NUM
fsr-3530	525	77	%	%	NOUN
fsr-3530	525	78	484	484	NUM
fsr-3530	525	79	7	7	NUM
fsr-3530	525	80	(	(	PUNCT
fsr-3530	525	81	very	very	ADV
fsr-3530	525	82	high	high	ADJ
fsr-3530	525	83	)	)	PUNCT
fsr-3530	525	84	22	22	NUM
fsr-3530	525	85	%	%	NOUN
fsr-3530	525	86	0	0	NUM
fsr-3530	525	87	%	%	NOUN
fsr-3530	525	88	50	50	NUM
fsr-3530	525	89	%	%	NOUN
fsr-3530	525	90	45	45	NUM
fsr-3530	525	91	%	%	NOUN
fsr-3530	525	92	42	42	NUM
fsr-3530	525	93	%	%	NOUN
fsr-3530	526	1	153	153	NUM
fsr-3530	526	2	mean	mean	NOUN
fsr-3530	526	3	20	20	NUM
fsr-3530	526	4	%	%	NOUN
fsr-3530	526	5	55	55	NUM
fsr-3530	526	6	%	%	NOUN
fsr-3530	526	7	62	62	NUM
fsr-3530	526	8	%	%	NOUN
fsr-3530	526	9	39	39	NUM
fsr-3530	526	10	%	%	NOUN
fsr-3530	526	11	48	48	NUM
fsr-3530	526	12	%	%	NOUN
fsr-3530	526	13	n	n	CCONJ
fsr-3530	526	14	221	221	NUM
fsr-3530	526	15	257	257	NUM
fsr-3530	526	16	974	974	NUM
fsr-3530	526	17	1,035	1,035	NUM
fsr-3530	526	18	2,100	2,100	NUM
fsr-3530	526	19	fig	fig	NOUN
fsr-3530	526	20	.	.	PUNCT
fsr-3530	527	1	3	3	X
fsr-3530	527	2	.	.	X
fsr-3530	527	3	surface	surface	NOUN
fsr-3530	527	4	plot	plot	NOUN
fsr-3530	527	5	of	of	ADP
fsr-3530	527	6	financial	financial	ADJ
fsr-3530	527	7	education	education	NOUN
fsr-3530	527	8	interest	interest	NOUN
fsr-3530	527	9	by	by	ADP
fsr-3530	527	10	measured	measure	VERB
fsr-3530	527	11	and	and	CCONJ
fsr-3530	527	12	self	self	NOUN
fsr-3530	527	13	-	-	PUNCT
fsr-3530	527	14	assessed	assess	VERB
fsr-3530	527	15	financial	financial	ADJ
fsr-3530	527	16	literacy	literacy	NOUN
fsr-3530	527	17	.	.	PUNCT
fsr-3530	528	1	142	142	NUM
fsr-3530	528	2	b.	b.	PROPN
fsr-3530	528	3	j.	j.	PROPN
fsr-3530	528	4	davis	davis	PROPN
fsr-3530	528	5	et	et	PROPN
fsr-3530	528	6	al	al	PROPN
fsr-3530	528	7	.	.	PUNCT
fsr-3530	528	8	/	/	SYM
fsr-3530	528	9	financial	financial	ADJ
fsr-3530	528	10	services	service	NOUN
fsr-3530	528	11	review	review	VERB
fsr-3530	528	12	31	31	NUM
fsr-3530	528	13	(	(	PUNCT
fsr-3530	528	14	2023	2023	NUM
fsr-3530	528	15	)	)	PUNCT
fsr-3530	528	16	133–150	133–150	NUM
fsr-3530	528	17	quiz	quiz	NOUN
fsr-3530	528	18	but	but	CCONJ
fsr-3530	528	19	is	be	AUX
fsr-3530	528	20	most	most	ADV
fsr-3530	528	21	confident	confident	ADJ
fsr-3530	528	22	in	in	ADP
fsr-3530	528	23	their	their	PRON
fsr-3530	528	24	financial	financial	ADJ
fsr-3530	528	25	knowledge	knowledge	NOUN
fsr-3530	528	26	,	,	PUNCT
fsr-3530	528	27	is	be	AUX
fsr-3530	528	28	predicted	predict	VERB
fsr-3530	528	29	to	to	PART
fsr-3530	528	30	signal	signal	VERB
fsr-3530	528	31	interest	interest	NOUN
fsr-3530	528	32	with	with	ADP
fsr-3530	528	33	a	a	DET
fsr-3530	528	34	likelihood	likelihood	NOUN
fsr-3530	528	35	of	of	ADP
fsr-3530	528	36	under	under	ADP
fsr-3530	528	37	6	6	NUM
fsr-3530	528	38	%	%	NOUN
fsr-3530	528	39	,	,	PUNCT
fsr-3530	528	40	increasing	increase	VERB
fsr-3530	528	41	to	to	ADP
fsr-3530	528	42	only	only	ADV
fsr-3530	528	43	11	11	NUM
fsr-3530	528	44	%	%	NOUN
fsr-3530	528	45	for	for	ADP
fsr-3530	528	46	a	a	DET
fsr-3530	528	47	student	student	NOUN
fsr-3530	528	48	self	self	NOUN
fsr-3530	528	49	-	-	PUNCT
fsr-3530	528	50	assessing	assess	VERB
fsr-3530	528	51	the	the	DET
fsr-3530	528	52	lowest	low	ADJ
fsr-3530	528	53	level	level	NOUN
fsr-3530	528	54	of	of	ADP
fsr-3530	528	55	financial	financial	ADJ
fsr-3530	528	56	knowledge	knowledge	NOUN
fsr-3530	528	57	.	.	PUNCT
fsr-3530	529	1	program	program	NOUN
fsr-3530	529	2	sponsors	sponsor	NOUN
fsr-3530	529	3	need	need	VERB
fsr-3530	529	4	to	to	PART
fsr-3530	529	5	be	be	AUX
fsr-3530	529	6	innovative	innovative	ADJ
fsr-3530	529	7	when	when	SCONJ
fsr-3530	529	8	thinking	think	VERB
fsr-3530	529	9	about	about	ADP
fsr-3530	529	10	how	how	SCONJ
fsr-3530	529	11	to	to	PART
fsr-3530	529	12	engage	engage	VERB
fsr-3530	529	13	the	the	DET
fsr-3530	529	14	population	population	NOUN
fsr-3530	529	15	of	of	ADP
fsr-3530	529	16	students	student	NOUN
fsr-3530	529	17	who	who	PRON
fsr-3530	529	18	would	would	AUX
fsr-3530	529	19	most	most	ADV
fsr-3530	529	20	benefit	benefit	VERB
fsr-3530	529	21	from	from	ADP
fsr-3530	529	22	financial	financial	ADJ
fsr-3530	529	23	education	education	NOUN
fsr-3530	529	24	.	.	PUNCT
fsr-3530	530	1	3.3	3.3	NUM
fsr-3530	530	2	.	.	PUNCT
fsr-3530	531	1	regression	regression	VERB
fsr-3530	531	2	analysis	analysis	NOUN
fsr-3530	531	3	of	of	ADP
fsr-3530	531	4	financial	financial	ADJ
fsr-3530	531	5	education	education	NOUN
fsr-3530	531	6	interest	interest	NOUN
fsr-3530	531	7	and	and	CCONJ
fsr-3530	531	8	engagement	engagement	NOUN
fsr-3530	531	9	we	we	PRON
fsr-3530	531	10	begin	begin	VERB
fsr-3530	531	11	our	our	PRON
fsr-3530	531	12	regression	regression	NOUN
fsr-3530	531	13	analysis	analysis	NOUN
fsr-3530	531	14	with	with	ADP
fsr-3530	531	15	first	first	ADV
fsr-3530	531	16	considering	consider	VERB
fsr-3530	531	17	who	who	PRON
fsr-3530	531	18	takes	take	VERB
fsr-3530	531	19	the	the	DET
fsr-3530	531	20	survey	survey	NOUN
fsr-3530	531	21	.	.	PUNCT
fsr-3530	532	1	table	table	NOUN
fsr-3530	532	2	7	7	NUM
fsr-3530	532	3	uses	use	VERB
fsr-3530	532	4	ordinary	ordinary	ADJ
fsr-3530	532	5	probit	probit	NOUN
fsr-3530	532	6	regression	regression	NOUN
fsr-3530	532	7	estimating	estimate	VERB
fsr-3530	532	8	whether	whether	SCONJ
fsr-3530	532	9	a	a	DET
fsr-3530	532	10	student	student	NOUN
fsr-3530	532	11	engages	engage	VERB
fsr-3530	532	12	in	in	ADP
fsr-3530	532	13	the	the	DET
fsr-3530	532	14	survey	survey	NOUN
fsr-3530	532	15	or	or	CCONJ
fsr-3530	532	16	not	not	PART
fsr-3530	532	17	using	use	VERB
fsr-3530	532	18	student	student	NOUN
fsr-3530	532	19	and	and	CCONJ
fsr-3530	532	20	program	program	NOUN
fsr-3530	532	21	characteristics	characteristic	NOUN
fsr-3530	532	22	,	,	PUNCT
fsr-3530	532	23	displaying	display	VERB
fsr-3530	532	24	marginal	marginal	ADJ
fsr-3530	532	25	effects	effect	NOUN
fsr-3530	532	26	on	on	ADP
fsr-3530	532	27	the	the	DET
fsr-3530	532	28	coefficients	coefficient	NOUN
fsr-3530	532	29	and	and	CCONJ
fsr-3530	532	30	standard	standard	ADJ
fsr-3530	532	31	errors	error	NOUN
fsr-3530	532	32	in	in	ADP
fsr-3530	532	33	parenthesis	parenthesis	NOUN
fsr-3530	532	34	.	.	PUNCT
fsr-3530	533	1	because	because	SCONJ
fsr-3530	533	2	those	those	PRON
fsr-3530	533	3	who	who	PRON
fsr-3530	533	4	do	do	AUX
fsr-3530	533	5	not	not	PART
fsr-3530	533	6	take	take	VERB
fsr-3530	533	7	the	the	DET
fsr-3530	533	8	survey	survey	NOUN
fsr-3530	533	9	do	do	AUX
fsr-3530	533	10	not	not	PART
fsr-3530	533	11	offer	offer	VERB
fsr-3530	533	12	us	we	PRON
fsr-3530	533	13	data	datum	NOUN
fsr-3530	533	14	on	on	ADP
fsr-3530	533	15	their	their	PRON
fsr-3530	533	16	financial	financial	ADJ
fsr-3530	533	17	literacy	literacy	NOUN
fsr-3530	533	18	,	,	PUNCT
fsr-3530	533	19	we	we	PRON
fsr-3530	533	20	only	only	ADV
fsr-3530	533	21	leverage	leverage	VERB
fsr-3530	533	22	the	the	DET
fsr-3530	533	23	university	university	NOUN
fsr-3530	533	24	system	system	NOUN
fsr-3530	533	25	’s	’s	PART
fsr-3530	533	26	administrative	administrative	ADJ
fsr-3530	533	27	data	datum	NOUN
fsr-3530	533	28	.	.	PUNCT
fsr-3530	534	1	women	woman	NOUN
fsr-3530	534	2	and	and	CCONJ
fsr-3530	534	3	student	student	NOUN
fsr-3530	534	4	workers	worker	NOUN
fsr-3530	534	5	are	be	AUX
fsr-3530	534	6	significantly	significantly	ADV
fsr-3530	534	7	more	more	ADV
fsr-3530	534	8	likely	likely	ADJ
fsr-3530	534	9	to	to	PART
fsr-3530	534	10	engage	engage	VERB
fsr-3530	534	11	the	the	DET
fsr-3530	534	12	survey	survey	NOUN
fsr-3530	534	13	.	.	PUNCT
fsr-3530	535	1	while	while	SCONJ
fsr-3530	535	2	there	there	PRON
fsr-3530	535	3	is	be	VERB
fsr-3530	535	4	no	no	DET
fsr-3530	535	5	significant	significant	ADJ
fsr-3530	535	6	relationship	relationship	NOUN
fsr-3530	535	7	for	for	ADP
fsr-3530	535	8	graduate	graduate	ADJ
fsr-3530	535	9	students	student	NOUN
fsr-3530	535	10	at	at	ADP
fsr-3530	535	11	the	the	DET
fsr-3530	535	12	flagship	flagship	NOUN
fsr-3530	535	13	campus	campus	NOUN
fsr-3530	535	14	,	,	PUNCT
fsr-3530	535	15	student	student	NOUN
fsr-3530	535	16	workers	worker	NOUN
fsr-3530	535	17	at	at	ADP
fsr-3530	535	18	the	the	DET
fsr-3530	535	19	flagship	flagship	NOUN
fsr-3530	535	20	campus	campus	NOUN
fsr-3530	535	21	are	be	AUX
fsr-3530	535	22	significantly	significantly	ADV
fsr-3530	535	23	less	less	ADV
fsr-3530	535	24	likely	likely	ADJ
fsr-3530	535	25	to	to	PART
fsr-3530	535	26	engage	engage	VERB
fsr-3530	535	27	the	the	DET
fsr-3530	535	28	survey	survey	NOUN
fsr-3530	535	29	,	,	PUNCT
fsr-3530	535	30	indicated	indicate	VERB
fsr-3530	535	31	by	by	ADP
fsr-3530	535	32	the	the	DET
fsr-3530	535	33	interaction	interaction	NOUN
fsr-3530	535	34	term	term	NOUN
fsr-3530	535	35	in	in	ADP
fsr-3530	535	36	model	model	NOUN
fsr-3530	535	37	2	2	NUM
fsr-3530	535	38	.	.	PUNCT
fsr-3530	536	1	these	these	DET
fsr-3530	536	2	students	student	NOUN
fsr-3530	536	3	may	may	AUX
fsr-3530	536	4	be	be	AUX
fsr-3530	536	5	more	more	ADJ
fsr-3530	536	6	time	time	NOUN
fsr-3530	536	7	constrained	constrain	VERB
fsr-3530	536	8	with	with	ADP
fsr-3530	536	9	their	their	PRON
fsr-3530	536	10	studies	study	NOUN
fsr-3530	536	11	and	and	CCONJ
fsr-3530	536	12	work	work	NOUN
fsr-3530	536	13	duties	duty	NOUN
fsr-3530	536	14	than	than	ADP
fsr-3530	536	15	their	their	PRON
fsr-3530	536	16	counterparts	counterpart	NOUN
fsr-3530	536	17	.	.	PUNCT
fsr-3530	537	1	we	we	PRON
fsr-3530	537	2	find	find	VERB
fsr-3530	537	3	no	no	DET
fsr-3530	537	4	significant	significant	ADJ
fsr-3530	537	5	effect	effect	NOUN
fsr-3530	537	6	for	for	ADP
fsr-3530	537	7	international	international	ADJ
fsr-3530	537	8	students	student	NOUN
fsr-3530	537	9	.	.	PUNCT
fsr-3530	538	1	students	student	NOUN
fsr-3530	538	2	who	who	PRON
fsr-3530	538	3	have	have	AUX
fsr-3530	538	4	taken	take	VERB
fsr-3530	538	5	more	more	ADJ
fsr-3530	538	6	graduate	graduate	NOUN
fsr-3530	538	7	credits	credit	NOUN
fsr-3530	538	8	are	be	AUX
fsr-3530	538	9	significantly	significantly	ADV
fsr-3530	538	10	less	less	ADV
fsr-3530	538	11	likely	likely	ADJ
fsr-3530	538	12	to	to	PART
fsr-3530	538	13	take	take	VERB
fsr-3530	538	14	the	the	DET
fsr-3530	538	15	survey	survey	NOUN
fsr-3530	538	16	,	,	PUNCT
fsr-3530	538	17	but	but	CCONJ
fsr-3530	538	18	the	the	DET
fsr-3530	538	19	marginal	marginal	ADJ
fsr-3530	538	20	effect	effect	NOUN
fsr-3530	538	21	is	be	AUX
fsr-3530	538	22	small	small	ADJ
fsr-3530	538	23	and	and	CCONJ
fsr-3530	538	24	has	have	VERB
fsr-3530	538	25	significant	significant	ADJ
fsr-3530	538	26	attenuation	attenuation	NOUN
fsr-3530	538	27	.	.	PUNCT
fsr-3530	539	1	there	there	PRON
fsr-3530	539	2	were	be	VERB
fsr-3530	539	3	no	no	DET
fsr-3530	539	4	significant	significant	ADJ
fsr-3530	539	5	differences	difference	NOUN
fsr-3530	539	6	in	in	ADP
fsr-3530	539	7	a	a	DET
fsr-3530	539	8	student	student	NOUN
fsr-3530	539	9	’s	’s	PART
fsr-3530	539	10	major	major	ADJ
fsr-3530	539	11	subject	subject	ADJ
fsr-3530	539	12	area	area	NOUN
fsr-3530	539	13	.	.	PUNCT
fsr-3530	540	1	when	when	SCONJ
fsr-3530	540	2	examining	examine	VERB
fsr-3530	540	3	degree	degree	NOUN
fsr-3530	540	4	type	type	NOUN
fsr-3530	540	5	,	,	PUNCT
fsr-3530	540	6	law	law	NOUN
fsr-3530	540	7	students	student	NOUN
fsr-3530	540	8	were	be	AUX
fsr-3530	540	9	significantly	significantly	ADV
fsr-3530	540	10	less	less	ADV
fsr-3530	540	11	likely	likely	ADJ
fsr-3530	540	12	and	and	CCONJ
fsr-3530	540	13	doctorate	doctorate	NOUN
fsr-3530	540	14	students	student	NOUN
fsr-3530	540	15	only	only	ADV
fsr-3530	540	16	marginally	marginally	ADV
fsr-3530	540	17	less	less	ADV
fsr-3530	540	18	likely	likely	ADJ
fsr-3530	540	19	to	to	PART
fsr-3530	540	20	engage	engage	VERB
fsr-3530	540	21	in	in	ADP
fsr-3530	540	22	the	the	DET
fsr-3530	540	23	survey	survey	NOUN
fsr-3530	540	24	,	,	PUNCT
fsr-3530	540	25	highlighting	highlight	VERB
fsr-3530	540	26	the	the	DET
fsr-3530	540	27	possibility	possibility	NOUN
fsr-3530	540	28	of	of	ADP
fsr-3530	540	29	time	time	NOUN
fsr-3530	540	30	constraints	constraint	NOUN
fsr-3530	540	31	for	for	ADP
fsr-3530	540	32	students	student	NOUN
fsr-3530	540	33	in	in	ADP
fsr-3530	540	34	terminal	terminal	ADJ
fsr-3530	540	35	degree	degree	NOUN
fsr-3530	540	36	programs	program	NOUN
fsr-3530	540	37	.	.	PUNCT
fsr-3530	541	1	table	table	NOUN
fsr-3530	541	2	8	8	NUM
fsr-3530	541	3	estimates	estimate	VERB
fsr-3530	541	4	the	the	DET
fsr-3530	541	5	likelihood	likelihood	NOUN
fsr-3530	541	6	that	that	SCONJ
fsr-3530	541	7	a	a	DET
fsr-3530	541	8	student	student	NOUN
fsr-3530	541	9	indicates	indicate	VERB
fsr-3530	541	10	interest	interest	NOUN
fsr-3530	541	11	in	in	ADP
fsr-3530	541	12	financial	financial	ADJ
fsr-3530	541	13	education	education	NOUN
fsr-3530	541	14	using	use	VERB
fsr-3530	541	15	ordinary	ordinary	ADJ
fsr-3530	541	16	probit	probit	NOUN
fsr-3530	541	17	specifications	specification	NOUN
fsr-3530	541	18	showing	show	VERB
fsr-3530	541	19	marginal	marginal	ADJ
fsr-3530	541	20	effects	effect	NOUN
fsr-3530	541	21	and	and	CCONJ
fsr-3530	541	22	standard	standard	ADJ
fsr-3530	541	23	errors	error	NOUN
fsr-3530	541	24	in	in	ADP
fsr-3530	541	25	parenthesis	parenthesis	NOUN
fsr-3530	541	26	.	.	PUNCT
fsr-3530	542	1	we	we	PRON
fsr-3530	542	2	display	display	VERB
fsr-3530	542	3	five	five	NUM
fsr-3530	542	4	specifications	specification	NOUN
fsr-3530	542	5	:	:	PUNCT
fsr-3530	542	6	model	model	NOUN
fsr-3530	542	7	1	1	NUM
fsr-3530	542	8	uses	use	VERB
fsr-3530	542	9	administrative	administrative	ADJ
fsr-3530	542	10	data	datum	NOUN
fsr-3530	542	11	plus	plus	CCONJ
fsr-3530	542	12	financial	financial	ADJ
fsr-3530	542	13	literacy	literacy	NOUN
fsr-3530	542	14	characteristics	characteristic	NOUN
fsr-3530	542	15	,	,	PUNCT
fsr-3530	542	16	and	and	CCONJ
fsr-3530	542	17	models	model	NOUN
fsr-3530	542	18	2	2	NUM
fsr-3530	542	19	and	and	CCONJ
fsr-3530	542	20	3	3	NUM
fsr-3530	542	21	add	add	VERB
fsr-3530	542	22	asset	asset	NOUN
fsr-3530	542	23	and	and	CCONJ
fsr-3530	542	24	debt	debt	NOUN
fsr-3530	542	25	characteristics	characteristic	NOUN
fsr-3530	542	26	.	.	PUNCT
fsr-3530	543	1	model	model	NOUN
fsr-3530	543	2	4	4	NUM
fsr-3530	543	3	adds	add	VERB
fsr-3530	543	4	fig	fig	NOUN
fsr-3530	543	5	.	.	PUNCT
fsr-3530	544	1	4	4	X
fsr-3530	544	2	.	.	NUM
fsr-3530	544	3	predicted	predict	VERB
fsr-3530	544	4	probabilities	probability	NOUN
fsr-3530	544	5	of	of	ADP
fsr-3530	544	6	education	education	NOUN
fsr-3530	544	7	interest	interest	NOUN
fsr-3530	544	8	by	by	ADP
fsr-3530	544	9	measured	measure	VERB
fsr-3530	544	10	and	and	CCONJ
fsr-3530	544	11	self	self	NOUN
fsr-3530	544	12	-	-	PUNCT
fsr-3530	544	13	assessed	assess	VERB
fsr-3530	544	14	financial	financial	ADJ
fsr-3530	544	15	literacy	literacy	NOUN
fsr-3530	544	16	.	.	PUNCT
fsr-3530	545	1	b.	b.	PROPN
fsr-3530	545	2	j.	j.	PROPN
fsr-3530	545	3	davis	davis	PROPN
fsr-3530	545	4	et	et	PROPN
fsr-3530	545	5	al	al	PROPN
fsr-3530	545	6	.	.	PUNCT
fsr-3530	545	7	/	/	SYM
fsr-3530	545	8	financial	financial	ADJ
fsr-3530	545	9	services	service	NOUN
fsr-3530	545	10	review	review	VERB
fsr-3530	545	11	31	31	NUM
fsr-3530	545	12	(	(	PUNCT
fsr-3530	545	13	2023	2023	NUM
fsr-3530	545	14	)	)	PUNCT
fsr-3530	546	1	133–150	133–150	NUM
fsr-3530	546	2	143	143	NUM
fsr-3530	546	3	t	t	X
fsr-3530	546	4	ab	ab	PROPN
fsr-3530	546	5	le	le	X
fsr-3530	546	6	7	7	NUM
fsr-3530	546	7	r	r	NOUN
fsr-3530	546	8	eg	eg	NOUN
fsr-3530	546	9	re	re	NOUN
fsr-3530	546	10	ss	ss	PROPN
fsr-3530	546	11	io	io	PROPN
fsr-3530	546	12	n	n	AUX
fsr-3530	546	13	es	es	X
fsr-3530	546	14	ti	ti	VERB
fsr-3530	546	15	m	m	NOUN
fsr-3530	546	16	at	at	ADP
fsr-3530	546	17	es	es	X
fsr-3530	546	18	o	o	PROPN
fsr-3530	546	19	f	f	PROPN
fsr-3530	546	20	su	su	PROPN
fsr-3530	546	21	rv	rv	PROPN
fsr-3530	546	22	ey	ey	INTJ
fsr-3530	546	23	en	en	ADP
fsr-3530	546	24	g	g	PROPN
fsr-3530	546	25	ag	ag	PROPN
fsr-3530	546	26	em	em	PRON
fsr-3530	546	27	en	en	PROPN
fsr-3530	546	28	t	t	PROPN
fsr-3530	546	29	(	(	PUNCT
fsr-3530	546	30	1	1	NUM
fsr-3530	546	31	)	)	PUNCT
fsr-3530	546	32	(	(	PUNCT
fsr-3530	546	33	2	2	X
fsr-3530	546	34	)	)	PUNCT
fsr-3530	546	35	(	(	PUNCT
fsr-3530	546	36	3	3	X
fsr-3530	546	37	)	)	PUNCT
fsr-3530	546	38	(	(	PUNCT
fsr-3530	546	39	4	4	X
fsr-3530	546	40	)	)	PUNCT
fsr-3530	546	41	m	m	PROPN
fsr-3530	546	42	ar	ar	PROPN
fsr-3530	546	43	.	.	PUNCT
fsr-3530	547	1	co	co	PROPN
fsr-3530	547	2	ef	ef	PROPN
fsr-3530	547	3	f.	f.	PROPN
fsr-3530	547	4	s	s	PROPN
fsr-3530	547	5	ta	ta	PROPN
fsr-3530	547	6	n	n	PROPN
fsr-3530	547	7	d	d	PROPN
fsr-3530	547	8	ar	ar	PROPN
fsr-3530	548	1	d	d	NOUN
fsr-3530	548	2	er	er	INTJ
fsr-3530	548	3	ro	ro	X
fsr-3530	548	4	r	r	PROPN
fsr-3530	548	5	m	m	PROPN
fsr-3530	548	6	ar	ar	PROPN
fsr-3530	548	7	.	.	PUNCT
fsr-3530	549	1	co	co	PROPN
fsr-3530	549	2	ef	ef	PROPN
fsr-3530	549	3	f.	f.	PROPN
fsr-3530	549	4	s	s	PROPN
fsr-3530	549	5	ta	ta	PROPN
fsr-3530	549	6	n	n	PROPN
fsr-3530	549	7	da	da	PROPN
fsr-3530	549	8	rd	rd	PROPN
fsr-3530	550	1	er	er	INTJ
fsr-3530	550	2	ro	ro	INTJ
fsr-3530	550	3	r	r	PROPN
fsr-3530	550	4	m	m	PROPN
fsr-3530	550	5	ar	ar	PROPN
fsr-3530	550	6	.	.	PUNCT
fsr-3530	551	1	co	co	PROPN
fsr-3530	551	2	ef	ef	PROPN
fsr-3530	551	3	f.	f.	PROPN
fsr-3530	551	4	s	s	PROPN
fsr-3530	551	5	ta	ta	PROPN
fsr-3530	551	6	n	n	PROPN
fsr-3530	551	7	d	d	PROPN
fsr-3530	551	8	ar	ar	PROPN
fsr-3530	552	1	d	d	NOUN
fsr-3530	552	2	er	er	INTJ
fsr-3530	552	3	ro	ro	X
fsr-3530	552	4	r	r	PROPN
fsr-3530	552	5	m	m	PROPN
fsr-3530	552	6	ar	ar	PROPN
fsr-3530	552	7	.	.	PUNCT
fsr-3530	553	1	co	co	PROPN
fsr-3530	553	2	ef	ef	PROPN
fsr-3530	553	3	f.	f.	PROPN
fsr-3530	553	4	s	s	PROPN
fsr-3530	553	5	ta	ta	PROPN
fsr-3530	553	6	n	n	PROPN
fsr-3530	553	7	d	d	PROPN
fsr-3530	553	8	ar	ar	PROPN
fsr-3530	554	1	d	d	NOUN
fsr-3530	554	2	er	er	INTJ
fsr-3530	554	3	ro	ro	INTJ
fsr-3530	554	4	r	r	NOUN
fsr-3530	554	5	s	s	PROPN
fsr-3530	554	6	tu	tu	PROPN
fsr-3530	554	7	de	de	PROPN
fsr-3530	554	8	n	n	PROPN
fsr-3530	554	9	t	t	PROPN
fsr-3530	554	10	ch	ch	PROPN
fsr-3530	554	11	ar	ar	PROPN
fsr-3530	554	12	ac	ac	PROPN
fsr-3530	554	13	te	te	PROPN
fsr-3530	554	14	ri	ri	PROPN
fsr-3530	554	15	st	st	PROPN
fsr-3530	554	16	ic	ic	PROPN
fsr-3530	554	17	s	s	PROPN
fsr-3530	554	18	w	w	PROPN
fsr-3530	554	19	o	o	NOUN
fsr-3530	554	20	m	m	VERB
fsr-3530	554	21	an	an	DET
fsr-3530	554	22	0	0	NUM
fsr-3530	554	23	.0	.0	NUM
fsr-3530	554	24	3	3	NUM
fsr-3530	554	25	0	0	NUM
fsr-3530	554	26	*	*	PUNCT
fsr-3530	555	1	*	*	PUNCT
fsr-3530	555	2	*	*	PUNCT
fsr-3530	555	3	(	(	PUNCT
fsr-3530	555	4	0	0	NUM
fsr-3530	555	5	.0	.0	NUM
fsr-3530	555	6	0	0	NUM
fsr-3530	555	7	5	5	NUM
fsr-3530	555	8	)	)	PUNCT
fsr-3530	555	9	0	0	NUM
fsr-3530	556	1	.0	.0	NUM
fsr-3530	556	2	3	3	NUM
fsr-3530	556	3	0	0	NUM
fsr-3530	557	1	*	*	PUNCT
fsr-3530	558	1	*	*	PUNCT
fsr-3530	558	2	*	*	PUNCT
fsr-3530	558	3	(	(	PUNCT
fsr-3530	558	4	0	0	NUM
fsr-3530	558	5	.0	.0	NUM
fsr-3530	558	6	0	0	NUM
fsr-3530	558	7	5	5	NUM
fsr-3530	558	8	)	)	PUNCT
fsr-3530	558	9	0	0	NUM
fsr-3530	559	1	.0	.0	NUM
fsr-3530	559	2	3	3	NUM
fsr-3530	559	3	0	0	NUM
fsr-3530	560	1	*	*	PUNCT
fsr-3530	561	1	*	*	PUNCT
fsr-3530	561	2	*	*	PUNCT
fsr-3530	561	3	(	(	PUNCT
fsr-3530	561	4	0	0	NUM
fsr-3530	561	5	.0	.0	NUM
fsr-3530	561	6	0	0	NUM
fsr-3530	561	7	5	5	NUM
fsr-3530	561	8	)	)	PUNCT
fsr-3530	561	9	0	0	NUM
fsr-3530	562	1	.0	.0	NUM
fsr-3530	562	2	3	3	NUM
fsr-3530	562	3	0	0	NUM
fsr-3530	563	1	*	*	PUNCT
fsr-3530	564	1	*	*	PUNCT
fsr-3530	564	2	*	*	PUNCT
fsr-3530	564	3	(	(	PUNCT
fsr-3530	564	4	0	0	NUM
fsr-3530	564	5	.0	.0	NUM
fsr-3530	564	6	0	0	NUM
fsr-3530	564	7	5	5	NUM
fsr-3530	564	8	)	)	PUNCT
fsr-3530	564	9	a	a	DET
fsr-3530	564	10	g	g	NOUN
fsr-3530	564	11	e	e	NOUN
fsr-3530	564	12	"	"	PUNCT
fsr-3530	564	13	0	0	NUM
fsr-3530	565	1	.0	.0	NUM
fsr-3530	565	2	0	0	NUM
fsr-3530	565	3	0	0	NUM
fsr-3530	565	4	(	(	PUNCT
fsr-3530	565	5	0	0	NUM
fsr-3530	565	6	.0	.0	NUM
fsr-3530	565	7	0	0	NUM
fsr-3530	565	8	0	0	NUM
fsr-3530	565	9	)	)	PUNCT
fsr-3530	565	10	0	0	NUM
fsr-3530	566	1	.0	.0	NUM
fsr-3530	566	2	0	0	NUM
fsr-3530	566	3	0	0	NUM
fsr-3530	566	4	(	(	PUNCT
fsr-3530	566	5	0	0	NUM
fsr-3530	566	6	.0	.0	NUM
fsr-3530	566	7	0	0	NUM
fsr-3530	566	8	0	0	NUM
fsr-3530	566	9	)	)	PUNCT
fsr-3530	566	10	"	"	PUNCT
fsr-3530	566	11	0	0	NUM
fsr-3530	567	1	.0	.0	NUM
fsr-3530	567	2	0	0	NUM
fsr-3530	567	3	0	0	NUM
fsr-3530	567	4	(	(	PUNCT
fsr-3530	567	5	0	0	NUM
fsr-3530	567	6	.0	.0	NUM
fsr-3530	567	7	0	0	NUM
fsr-3530	567	8	0	0	NUM
fsr-3530	567	9	)	)	PUNCT
fsr-3530	567	10	0	0	NUM
fsr-3530	568	1	.0	.0	NUM
fsr-3530	568	2	0	0	NUM
fsr-3530	568	3	0	0	NUM
fsr-3530	568	4	(	(	PUNCT
fsr-3530	568	5	0	0	NUM
fsr-3530	568	6	.0	.0	NUM
fsr-3530	568	7	0	0	NUM
fsr-3530	568	8	0	0	NUM
fsr-3530	568	9	)	)	PUNCT
fsr-3530	568	10	in	in	ADP
fsr-3530	568	11	tl	tl	PROPN
fsr-3530	568	12	st	st	PROPN
fsr-3530	568	13	u	u	PROPN
fsr-3530	568	14	d	d	PROPN
fsr-3530	568	15	en	en	X
fsr-3530	568	16	t	t	PROPN
fsr-3530	568	17	0	0	NUM
fsr-3530	569	1	.0	.0	NUM
fsr-3530	569	2	0	0	NUM
fsr-3530	569	3	9	9	NUM
fsr-3530	569	4	(	(	PUNCT
fsr-3530	569	5	0	0	NUM
fsr-3530	569	6	.0	.0	NUM
fsr-3530	569	7	0	0	NUM
fsr-3530	569	8	6	6	NUM
fsr-3530	569	9	)	)	PUNCT
fsr-3530	569	10	0	0	NUM
fsr-3530	570	1	.0	.0	NUM
fsr-3530	570	2	0	0	NUM
fsr-3530	570	3	7	7	NUM
fsr-3530	570	4	(	(	PUNCT
fsr-3530	570	5	0	0	NUM
fsr-3530	570	6	.0	.0	NUM
fsr-3530	570	7	0	0	NUM
fsr-3530	570	8	6	6	NUM
fsr-3530	570	9	)	)	PUNCT
fsr-3530	570	10	0	0	NUM
fsr-3530	571	1	.0	.0	NUM
fsr-3530	571	2	0	0	NUM
fsr-3530	571	3	8	8	NUM
fsr-3530	571	4	(	(	PUNCT
fsr-3530	571	5	0	0	NUM
fsr-3530	571	6	.0	.0	NUM
fsr-3530	571	7	0	0	NUM
fsr-3530	571	8	6	6	NUM
fsr-3530	571	9	)	)	PUNCT
fsr-3530	571	10	0	0	NUM
fsr-3530	572	1	.0	.0	NUM
fsr-3530	572	2	0	0	NUM
fsr-3530	572	3	6	6	NUM
fsr-3530	572	4	(	(	PUNCT
fsr-3530	572	5	0	0	NUM
fsr-3530	572	6	.0	.0	NUM
fsr-3530	572	7	0	0	NUM
fsr-3530	572	8	6	6	NUM
fsr-3530	572	9	)	)	PUNCT
fsr-3530	572	10	m	m	VERB
fsr-3530	572	11	ai	ai	VERB
fsr-3530	572	12	n	n	PRON
fsr-3530	572	13	ca	can	AUX
fsr-3530	572	14	m	m	PROPN
fsr-3530	572	15	p	p	NOUN
fsr-3530	572	16	u	u	NOUN
fsr-3530	572	17	s	s	PART
fsr-3530	572	18	0	0	NUM
fsr-3530	572	19	.0	.0	NUM
fsr-3530	572	20	0	0	NUM
fsr-3530	572	21	2	2	NUM
fsr-3530	572	22	(	(	PUNCT
fsr-3530	572	23	0	0	NUM
fsr-3530	572	24	.0	.0	NUM
fsr-3530	572	25	0	0	NUM
fsr-3530	572	26	6	6	NUM
fsr-3530	572	27	)	)	PUNCT
fsr-3530	572	28	0	0	NUM
fsr-3530	573	1	.0	.0	NUM
fsr-3530	573	2	0	0	NUM
fsr-3530	573	3	9	9	NUM
fsr-3530	573	4	(	(	PUNCT
fsr-3530	573	5	0	0	NUM
fsr-3530	573	6	.0	.0	NUM
fsr-3530	573	7	0	0	NUM
fsr-3530	573	8	6	6	NUM
fsr-3530	573	9	)	)	PUNCT
fsr-3530	573	10	0	0	NUM
fsr-3530	574	1	.0	.0	NUM
fsr-3530	574	2	0	0	NUM
fsr-3530	574	3	7	7	NUM
fsr-3530	574	4	(	(	PUNCT
fsr-3530	574	5	0	0	NUM
fsr-3530	574	6	.0	.0	NUM
fsr-3530	574	7	0	0	NUM
fsr-3530	574	8	6	6	NUM
fsr-3530	574	9	)	)	PUNCT
fsr-3530	574	10	0	0	NUM
fsr-3530	575	1	.0	.0	NUM
fsr-3530	575	2	0	0	NUM
fsr-3530	575	3	8	8	NUM
fsr-3530	575	4	(	(	PUNCT
fsr-3530	575	5	0	0	NUM
fsr-3530	575	6	.0	.0	NUM
fsr-3530	575	7	0	0	NUM
fsr-3530	575	8	6	6	NUM
fsr-3530	575	9	)	)	PUNCT
fsr-3530	575	10	s	s	PART
fsr-3530	575	11	tu	tu	PROPN
fsr-3530	575	12	d	d	X
fsr-3530	575	13	en	en	PROPN
fsr-3530	575	14	t	t	X
fsr-3530	575	15	te	te	PROPN
fsr-3530	575	16	ac	ac	PROPN
fsr-3530	575	17	h	h	PROPN
fsr-3530	575	18	in	in	ADP
fsr-3530	575	19	g	g	PROPN
fsr-3530	575	20	/r	/r	PUNCT
fsr-3530	575	21	es	es	X
fsr-3530	575	22	ea	ea	PROPN
fsr-3530	576	1	rc	rc	PROPN
fsr-3530	576	2	h	h	PROPN
fsr-3530	576	3	as	as	ADP
fsr-3530	576	4	st	st	PROPN
fsr-3530	576	5	0	0	PROPN
fsr-3530	576	6	.0	.0	NUM
fsr-3530	576	7	3	3	NUM
fsr-3530	576	8	7	7	NUM
fsr-3530	576	9	*	*	PUNCT
fsr-3530	576	10	*	*	PUNCT
fsr-3530	577	1	*	*	PUNCT
fsr-3530	577	2	(	(	PUNCT
fsr-3530	577	3	0	0	NUM
fsr-3530	577	4	.0	.0	NUM
fsr-3530	577	5	0	0	NUM
fsr-3530	577	6	7	7	NUM
fsr-3530	577	7	)	)	PUNCT
fsr-3530	577	8	0	0	NUM
fsr-3530	578	1	.0	.0	NUM
fsr-3530	578	2	7	7	NUM
fsr-3530	578	3	5	5	NUM
fsr-3530	578	4	*	*	PUNCT
fsr-3530	579	1	*	*	PUNCT
fsr-3530	579	2	*	*	PUNCT
fsr-3530	579	3	(	(	PUNCT
fsr-3530	579	4	0	0	NUM
fsr-3530	579	5	.0	.0	NUM
fsr-3530	579	6	1	1	NUM
fsr-3530	579	7	4	4	NUM
fsr-3530	579	8	)	)	PUNCT
fsr-3530	579	9	0	0	NUM
fsr-3530	580	1	.0	.0	NUM
fsr-3530	580	2	7	7	NUM
fsr-3530	580	3	7	7	NUM
fsr-3530	580	4	*	*	PUNCT
fsr-3530	581	1	*	*	PUNCT
fsr-3530	581	2	*	*	PUNCT
fsr-3530	581	3	(	(	PUNCT
fsr-3530	581	4	0	0	NUM
fsr-3530	581	5	.0	.0	NUM
fsr-3530	581	6	1	1	NUM
fsr-3530	581	7	4	4	NUM
fsr-3530	581	8	)	)	PUNCT
fsr-3530	581	9	0	0	NUM
fsr-3530	582	1	.0	.0	NUM
fsr-3530	582	2	7	7	NUM
fsr-3530	582	3	3	3	NUM
fsr-3530	582	4	*	*	PUNCT
fsr-3530	583	1	*	*	PUNCT
fsr-3530	583	2	*	*	PUNCT
fsr-3530	583	3	(	(	PUNCT
fsr-3530	583	4	0	0	NUM
fsr-3530	583	5	.0	.0	NUM
fsr-3530	583	6	1	1	NUM
fsr-3530	583	7	4	4	NUM
fsr-3530	583	8	)	)	PUNCT
fsr-3530	584	1	e	e	X
fsr-3530	584	2	d	d	PUNCT
fsr-3530	584	3	u	u	X
fsr-3530	584	4	c	c	NOUN
fsr-3530	584	5	cr	cr	INTJ
fsr-3530	585	1	ed	ed	PROPN
fsr-3530	585	2	it	it	PRON
fsr-3530	585	3	s	s	VERB
fsr-3530	585	4	"	"	PUNCT
fsr-3530	585	5	0	0	NUM
fsr-3530	586	1	.0	.0	NUM
fsr-3530	586	2	0	0	NUM
fsr-3530	586	3	6	6	NUM
fsr-3530	586	4	*	*	PUNCT
fsr-3530	586	5	*	*	PUNCT
fsr-3530	586	6	*	*	PUNCT
fsr-3530	586	7	(	(	PUNCT
fsr-3530	586	8	0	0	NUM
fsr-3530	586	9	.0	.0	NUM
fsr-3530	586	10	0	0	NUM
fsr-3530	586	11	1	1	NUM
fsr-3530	586	12	)	)	PUNCT
fsr-3530	586	13	"	"	PUNCT
fsr-3530	586	14	0	0	NUM
fsr-3530	587	1	.0	.0	NUM
fsr-3530	587	2	0	0	NUM
fsr-3530	587	3	6	6	NUM
fsr-3530	587	4	*	*	PUNCT
fsr-3530	588	1	*	*	PUNCT
fsr-3530	588	2	*	*	PUNCT
fsr-3530	588	3	(	(	PUNCT
fsr-3530	588	4	0	0	NUM
fsr-3530	588	5	.0	.0	NUM
fsr-3530	588	6	0	0	NUM
fsr-3530	588	7	1	1	NUM
fsr-3530	588	8	)	)	PUNCT
fsr-3530	588	9	"	"	PUNCT
fsr-3530	588	10	0	0	NUM
fsr-3530	589	1	.0	.0	NUM
fsr-3530	589	2	0	0	NUM
fsr-3530	589	3	6	6	NUM
fsr-3530	589	4	*	*	PUNCT
fsr-3530	590	1	*	*	PUNCT
fsr-3530	590	2	*	*	PUNCT
fsr-3530	590	3	(	(	PUNCT
fsr-3530	590	4	0	0	NUM
fsr-3530	590	5	.0	.0	NUM
fsr-3530	590	6	0	0	NUM
fsr-3530	590	7	1	1	NUM
fsr-3530	590	8	)	)	PUNCT
fsr-3530	590	9	"	"	PUNCT
fsr-3530	590	10	0	0	NUM
fsr-3530	591	1	.0	.0	NUM
fsr-3530	591	2	0	0	NUM
fsr-3530	591	3	5	5	NUM
fsr-3530	591	4	*	*	PUNCT
fsr-3530	592	1	*	*	PUNCT
fsr-3530	592	2	*	*	PUNCT
fsr-3530	592	3	(	(	PUNCT
fsr-3530	592	4	0	0	NUM
fsr-3530	592	5	.0	.0	NUM
fsr-3530	592	6	0	0	NUM
fsr-3530	592	7	2	2	NUM
fsr-3530	592	8	)	)	PUNCT
fsr-3530	592	9	ln	ln	NOUN
fsr-3530	592	10	(	(	PUNCT
fsr-3530	592	11	e	e	NOUN
fsr-3530	592	12	d	d	PUNCT
fsr-3530	592	13	u	u	X
fsr-3530	592	14	c	c	NOUN
fsr-3530	592	15	cr	cr	INTJ
fsr-3530	592	16	ed	ed	PROPN
fsr-3530	592	17	it	it	PRON
fsr-3530	592	18	s	s	VERB
fsr-3530	592	19	)	)	PUNCT
fsr-3530	592	20	0	0	NUM
fsr-3530	593	1	.0	.0	NUM
fsr-3530	593	2	6	6	NUM
fsr-3530	593	3	1	1	NUM
fsr-3530	593	4	*	*	PUNCT
fsr-3530	593	5	*	*	PUNCT
fsr-3530	594	1	*	*	PUNCT
fsr-3530	594	2	(	(	PUNCT
fsr-3530	594	3	0	0	NUM
fsr-3530	594	4	.0	.0	NUM
fsr-3530	594	5	1	1	NUM
fsr-3530	594	6	1	1	NUM
fsr-3530	594	7	)	)	PUNCT
fsr-3530	594	8	0	0	NUM
fsr-3530	595	1	.0	.0	NUM
fsr-3530	595	2	6	6	NUM
fsr-3530	595	3	1	1	NUM
fsr-3530	595	4	*	*	PUNCT
fsr-3530	596	1	*	*	PUNCT
fsr-3530	596	2	*	*	PUNCT
fsr-3530	596	3	(	(	PUNCT
fsr-3530	596	4	0	0	NUM
fsr-3530	596	5	.0	.0	NUM
fsr-3530	596	6	1	1	NUM
fsr-3530	596	7	1	1	NUM
fsr-3530	596	8	)	)	PUNCT
fsr-3530	596	9	0	0	NUM
fsr-3530	597	1	.0	.0	NUM
fsr-3530	597	2	6	6	NUM
fsr-3530	597	3	0	0	NUM
fsr-3530	598	1	*	*	PUNCT
fsr-3530	599	1	*	*	PUNCT
fsr-3530	599	2	*	*	PUNCT
fsr-3530	599	3	(	(	PUNCT
fsr-3530	599	4	0	0	NUM
fsr-3530	599	5	.0	.0	NUM
fsr-3530	599	6	1	1	NUM
fsr-3530	599	7	2	2	NUM
fsr-3530	599	8	)	)	PUNCT
fsr-3530	599	9	0	0	NUM
fsr-3530	600	1	.0	.0	NUM
fsr-3530	600	2	5	5	NUM
fsr-3530	600	3	6	6	NUM
fsr-3530	600	4	*	*	PUNCT
fsr-3530	601	1	*	*	PUNCT
fsr-3530	601	2	*	*	PUNCT
fsr-3530	601	3	(	(	PUNCT
fsr-3530	601	4	0	0	NUM
fsr-3530	601	5	.0	.0	NUM
fsr-3530	601	6	1	1	NUM
fsr-3530	601	7	2	2	NUM
fsr-3530	601	8	)	)	PUNCT
fsr-3530	602	1	m	m	AUX
fsr-3530	602	2	ai	ai	VERB
fsr-3530	602	3	n	n	ADV
fsr-3530	602	4	c	c	PROPN
fsr-3530	602	5	am	be	AUX
fsr-3530	602	6	p	p	NOUN
fsr-3530	602	7	u	u	NOUN
fsr-3530	602	8	s	s	PART
fsr-3530	602	9	*	*	X
fsr-3530	602	10	s	s	PROPN
fsr-3530	602	11	tu	tu	X
fsr-3530	602	12	d	d	PROPN
fsr-3530	602	13	en	en	PROPN
fsr-3530	602	14	t	t	PROPN
fsr-3530	602	15	a	a	DET
fsr-3530	602	16	ss	ss	PROPN
fsr-3530	602	17	t	t	NOUN
fsr-3530	602	18	"	"	PUNCT
fsr-3530	602	19	0	0	NUM
fsr-3530	603	1	.0	.0	NUM
fsr-3530	603	2	5	5	NUM
fsr-3530	603	3	0	0	NUM
fsr-3530	603	4	*	*	PUNCT
fsr-3530	604	1	*	*	PUNCT
fsr-3530	604	2	*	*	PUNCT
fsr-3530	604	3	(	(	PUNCT
fsr-3530	604	4	0	0	NUM
fsr-3530	604	5	.0	.0	NUM
fsr-3530	604	6	1	1	NUM
fsr-3530	604	7	6	6	NUM
fsr-3530	604	8	)	)	PUNCT
fsr-3530	604	9	"	"	PUNCT
fsr-3530	604	10	0	0	NUM
fsr-3530	605	1	.0	.0	NUM
fsr-3530	605	2	4	4	NUM
fsr-3530	605	3	9	9	NUM
fsr-3530	605	4	*	*	PUNCT
fsr-3530	606	1	*	*	PUNCT
fsr-3530	606	2	*	*	PUNCT
fsr-3530	606	3	(	(	PUNCT
fsr-3530	606	4	0	0	NUM
fsr-3530	606	5	.0	.0	NUM
fsr-3530	606	6	1	1	NUM
fsr-3530	606	7	6	6	NUM
fsr-3530	606	8	)	)	PUNCT
fsr-3530	606	9	"	"	PUNCT
fsr-3530	606	10	0	0	NUM
fsr-3530	607	1	.0	.0	NUM
fsr-3530	607	2	4	4	NUM
fsr-3530	607	3	6	6	NUM
fsr-3530	607	4	*	*	PUNCT
fsr-3530	608	1	*	*	PUNCT
fsr-3530	608	2	*	*	PUNCT
fsr-3530	608	3	(	(	PUNCT
fsr-3530	608	4	0	0	NUM
fsr-3530	608	5	.0	.0	NUM
fsr-3530	608	6	1	1	NUM
fsr-3530	608	7	6	6	NUM
fsr-3530	608	8	)	)	PUNCT
fsr-3530	609	1	p	p	X
fsr-3530	609	2	ro	ro	INTJ
fsr-3530	610	1	g	g	PROPN
fsr-3530	610	2	ra	ra	PROPN
fsr-3530	610	3	m	m	VERB
fsr-3530	610	4	ty	ty	INTJ
fsr-3530	610	5	p	p	X
fsr-3530	610	6	e	e	X
fsr-3530	610	7	(	(	PUNCT
fsr-3530	610	8	b	b	PROPN
fsr-3530	610	9	as	as	ADP
fsr-3530	610	10	el	el	PROPN
fsr-3530	610	11	in	in	ADP
fsr-3530	610	12	e	e	PROPN
fsr-3530	610	13	¼	¼	NOUN
fsr-3530	610	14	l	l	NOUN
fsr-3530	610	15	ib	ib	NOUN
fsr-3530	611	1	er	er	INTJ
fsr-3530	611	2	al	al	PROPN
fsr-3530	611	3	a	a	PROPN
fsr-3530	611	4	rt	rt	PROPN
fsr-3530	611	5	s	s	PROPN
fsr-3530	611	6	)	)	PUNCT
fsr-3530	611	7	s	s	PART
fsr-3530	611	8	t	t	NOUN
fsr-3530	611	9	e	e	NOUN
fsr-3530	611	10	m	m	VERB
fsr-3530	611	11	"	"	PUNCT
fsr-3530	611	12	0	0	NUM
fsr-3530	612	1	.0	.0	NUM
fsr-3530	612	2	0	0	NUM
fsr-3530	612	3	2	2	NUM
fsr-3530	612	4	(	(	PUNCT
fsr-3530	612	5	0	0	NUM
fsr-3530	612	6	.0	.0	NUM
fsr-3530	612	7	0	0	NUM
fsr-3530	612	8	9	9	NUM
fsr-3530	612	9	)	)	PUNCT
fsr-3530	612	10	p	p	NOUN
fsr-3530	612	11	ro	ro	X
fsr-3530	612	12	fe	fe	X
fsr-3530	612	13	ss	ss	PROPN
fsr-3530	612	14	io	io	PROPN
fsr-3530	612	15	n	n	PROPN
fsr-3530	612	16	al	al	PROPN
fsr-3530	612	17	0	0	PROPN
fsr-3530	612	18	.0	.0	NUM
fsr-3530	612	19	0	0	NUM
fsr-3530	612	20	3	3	NUM
fsr-3530	612	21	(	(	PUNCT
fsr-3530	612	22	0	0	NUM
fsr-3530	612	23	.0	.0	NUM
fsr-3530	612	24	0	0	NUM
fsr-3530	612	25	8)	8)	NUM
fsr-3530	612	26	b	b	SYM
fsr-3530	612	27	u	u	NOUN
fsr-3530	612	28	si	si	PROPN
fsr-3530	612	29	n	n	ADV
fsr-3530	612	30	es	es	X
fsr-3530	612	31	s	s	PROPN
fsr-3530	612	32	0	0	NUM
fsr-3530	612	33	.0	.0	NUM
fsr-3530	612	34	0	0	NUM
fsr-3530	612	35	7	7	NUM
fsr-3530	612	36	(	(	PUNCT
fsr-3530	612	37	0	0	NUM
fsr-3530	612	38	.0	.0	NUM
fsr-3530	612	39	1	1	NUM
fsr-3530	612	40	0	0	NUM
fsr-3530	612	41	)	)	PUNCT
fsr-3530	612	42	p	p	NOUN
fsr-3530	612	43	ro	ro	INTJ
fsr-3530	612	44	g	g	PROPN
fsr-3530	612	45	ra	ra	PROPN
fsr-3530	612	46	m	m	VERB
fsr-3530	612	47	ty	ty	INTJ
fsr-3530	612	48	p	p	X
fsr-3530	612	49	e	e	X
fsr-3530	612	50	(	(	PUNCT
fsr-3530	612	51	b	b	PROPN
fsr-3530	612	52	as	as	ADP
fsr-3530	612	53	el	el	PROPN
fsr-3530	612	54	in	in	ADP
fsr-3530	612	55	e	e	PROPN
fsr-3530	612	56	¼	¼	NOUN
fsr-3530	612	57	m	m	NOUN
fsr-3530	612	58	as	as	ADP
fsr-3530	612	59	te	te	INTJ
fsr-3530	612	60	rs	rs	INTJ
fsr-3530	612	61	)	)	PUNCT
fsr-3530	613	1	d	d	X
fsr-3530	613	2	o	o	NOUN
fsr-3530	614	1	ct	ct	NUM
fsr-3530	614	2	o	o	INTJ
fsr-3530	614	3	ra	ra	INTJ
fsr-3530	614	4	te	te	INTJ
fsr-3530	614	5	"	"	PUNCT
fsr-3530	614	6	0	0	NUM
fsr-3530	615	1	.0	.0	NUM
fsr-3530	615	2	1	1	NUM
fsr-3530	615	3	2	2	NUM
fsr-3530	615	4	*	*	PUNCT
fsr-3530	615	5	(	(	PUNCT
fsr-3530	615	6	0	0	NUM
fsr-3530	615	7	.0	.0	NUM
fsr-3530	615	8	0	0	NUM
fsr-3530	615	9	7	7	NUM
fsr-3530	615	10	)	)	PUNCT
fsr-3530	615	11	l	l	NOUN
fsr-3530	616	1	aw	aw	INTJ
fsr-3530	616	2	"	"	PUNCT
fsr-3530	616	3	0	0	NUM
fsr-3530	616	4	.0	.0	NUM
fsr-3530	616	5	3	3	NUM
fsr-3530	616	6	3	3	NUM
fsr-3530	616	7	*	*	PUNCT
fsr-3530	616	8	*	*	PUNCT
fsr-3530	616	9	*	*	PUNCT
fsr-3530	616	10	(	(	PUNCT
fsr-3530	616	11	0	0	NUM
fsr-3530	616	12	.0	.0	NUM
fsr-3530	616	13	0	0	NUM
fsr-3530	616	14	9	9	NUM
fsr-3530	616	15	)	)	PUNCT
fsr-3530	616	16	o	o	NOUN
fsr-3530	617	1	th	th	INTJ
fsr-3530	617	2	er	er	INTJ
fsr-3530	617	3	/n	/n	PUNCT
fsr-3530	618	1	o	o	X
fsr-3530	618	2	n	n	CCONJ
fsr-3530	618	3	-d	-d	PRON
fsr-3530	618	4	eg	eg	NOUN
fsr-3530	618	5	re	re	X
fsr-3530	618	6	e	e	X
fsr-3530	618	7	"	"	PUNCT
fsr-3530	618	8	0	0	NUM
fsr-3530	618	9	.0	.0	NUM
fsr-3530	618	10	0	0	NUM
fsr-3530	618	11	0	0	NUM
fsr-3530	618	12	(	(	PUNCT
fsr-3530	618	13	0	0	NUM
fsr-3530	618	14	.0	.0	NUM
fsr-3530	618	15	1	1	NUM
fsr-3530	618	16	3	3	NUM
fsr-3530	618	17	)	)	PUNCT
fsr-3530	618	18	c	c	NOUN
fsr-3530	618	19	er	er	INTJ
fsr-3530	618	20	ti	ti	PROPN
fsr-3530	618	21	fi	fi	NOUN
fsr-3530	618	22	ca	can	AUX
fsr-3530	618	23	te	te	PROPN
fsr-3530	618	24	"	"	PUNCT
fsr-3530	618	25	0	0	NUM
fsr-3530	618	26	.0	.0	NUM
fsr-3530	618	27	2	2	NUM
fsr-3530	618	28	7	7	NUM
fsr-3530	618	29	(	(	PUNCT
fsr-3530	618	30	0	0	NUM
fsr-3530	618	31	.0	.0	NUM
fsr-3530	618	32	1	1	NUM
fsr-3530	618	33	8	8	NUM
fsr-3530	618	34	)	)	PUNCT
fsr-3530	619	1	p	p	X
fsr-3530	619	2	o	o	X
fsr-3530	619	3	st	st	PROPN
fsr-3530	620	1	-d	-d	X
fsr-3530	620	2	o	o	NOUN
fsr-3530	620	3	c	c	NOUN
fsr-3530	620	4	"	"	PUNCT
fsr-3530	620	5	0	0	NUM
fsr-3530	620	6	.0	.0	NUM
fsr-3530	620	7	1	1	NUM
fsr-3530	620	8	7	7	NUM
fsr-3530	620	9	(	(	PUNCT
fsr-3530	620	10	0	0	NUM
fsr-3530	620	11	.0	.0	NUM
fsr-3530	620	12	3	3	NUM
fsr-3530	620	13	2	2	NUM
fsr-3530	620	14	)	)	PUNCT
fsr-3530	620	15	m	m	VERB
fsr-3530	620	16	ed	ed	NOUN
fsr-3530	621	1	ic	ic	PROPN
fsr-3530	621	2	al	al	PROPN
fsr-3530	621	3	"	"	PUNCT
fsr-3530	621	4	0	0	NUM
fsr-3530	622	1	.0	.0	NUM
fsr-3530	622	2	1	1	NUM
fsr-3530	622	3	6	6	NUM
fsr-3530	622	4	(	(	PUNCT
fsr-3530	622	5	0	0	NUM
fsr-3530	622	6	.0	.0	NUM
fsr-3530	622	7	1	1	NUM
fsr-3530	622	8	1	1	NUM
fsr-3530	622	9	)	)	PUNCT
fsr-3530	622	10	o	o	NOUN
fsr-3530	622	11	b	b	X
fsr-3530	622	12	se	se	PROPN
fsr-3530	622	13	rv	rv	PROPN
fsr-3530	622	14	at	at	ADP
fsr-3530	622	15	io	io	PROPN
fsr-3530	622	16	n	n	PROPN
fsr-3530	622	17	s	s	PROPN
fsr-3530	622	18	1	1	NUM
fsr-3530	622	19	7	7	NUM
fsr-3530	622	20	,	,	PUNCT
fsr-3530	622	21	7	7	NUM
fsr-3530	622	22	5	5	NUM
fsr-3530	622	23	0	0	NUM
fsr-3530	622	24	1	1	NUM
fsr-3530	622	25	7	7	NUM
fsr-3530	622	26	,	,	PUNCT
fsr-3530	622	27	7	7	NUM
fsr-3530	622	28	5	5	NUM
fsr-3530	622	29	0	0	NUM
fsr-3530	622	30	1	1	NUM
fsr-3530	622	31	7	7	NUM
fsr-3530	622	32	,	,	PUNCT
fsr-3530	622	33	7	7	NUM
fsr-3530	622	34	5	5	NUM
fsr-3530	622	35	0	0	NUM
fsr-3530	622	36	1	1	NUM
fsr-3530	622	37	7	7	NUM
fsr-3530	622	38	,	,	PUNCT
fsr-3530	622	39	7	7	NUM
fsr-3530	622	40	50	50	NUM
fsr-3530	622	41	n	n	NUM
fsr-3530	622	42	o	o	X
fsr-3530	622	43	te	te	X
fsr-3530	622	44	.	.	PUNCT
fsr-3530	623	1	p	p	X
fsr-3530	624	1	ro	ro	PROPN
fsr-3530	624	2	b	b	X
fsr-3530	625	1	it	it	PRON
fsr-3530	625	2	sp	sp	ADP
fsr-3530	625	3	ec	ec	PROPN
fsr-3530	625	4	ifi	ifi	PROPN
fsr-3530	625	5	ca	can	AUX
fsr-3530	625	6	ti	ti	VERB
fsr-3530	625	7	o	o	PROPN
fsr-3530	625	8	n	n	PROPN
fsr-3530	625	9	s	s	NOUN
fsr-3530	625	10	w	w	NOUN
fsr-3530	625	11	it	it	PRON
fsr-3530	626	1	h	h	NOUN
fsr-3530	626	2	m	m	PROPN
fsr-3530	626	3	ar	ar	PROPN
fsr-3530	626	4	g	g	PROPN
fsr-3530	626	5	in	in	ADP
fsr-3530	626	6	al	al	PROPN
fsr-3530	626	7	co	co	PROPN
fsr-3530	626	8	ef	ef	PROPN
fsr-3530	626	9	fi	fi	PROPN
fsr-3530	626	10	ci	ci	PROPN
fsr-3530	626	11	en	en	X
fsr-3530	626	12	ts	ts	X
fsr-3530	626	13	re	re	ADP
fsr-3530	626	14	p	p	X
fsr-3530	626	15	o	o	X
fsr-3530	627	1	rt	rt	PROPN
fsr-3530	627	2	s	s	PROPN
fsr-3530	627	3	an	an	DET
fsr-3530	627	4	d	d	PROPN
fsr-3530	627	5	st	st	PROPN
fsr-3530	628	1	an	an	PROPN
fsr-3530	628	2	d	d	PROPN
fsr-3530	628	3	ar	ar	PROPN
fsr-3530	628	4	d	d	PROPN
fsr-3530	628	5	er	er	INTJ
fsr-3530	628	6	ro	ro	INTJ
fsr-3530	628	7	rs	rs	NOUN
fsr-3530	628	8	in	in	ADP
fsr-3530	628	9	p	p	PROPN
fsr-3530	628	10	ar	ar	PROPN
fsr-3530	628	11	en	en	ADP
fsr-3530	628	12	th	th	X
fsr-3530	628	13	es	es	NOUN
fsr-3530	628	14	is	be	AUX
fsr-3530	628	15	.	.	PUNCT
fsr-3530	629	1	*	*	PUNCT
fsr-3530	629	2	,	,	PUNCT
fsr-3530	629	3	*	*	PUNCT
fsr-3530	629	4	*	*	PUNCT
fsr-3530	629	5	,	,	PUNCT
fsr-3530	629	6	*	*	PUNCT
fsr-3530	629	7	*	*	PUNCT
fsr-3530	629	8	*	*	PUNCT
fsr-3530	629	9	re	re	ADP
fsr-3530	629	10	p	p	X
fsr-3530	629	11	re	re	AUX
fsr-3530	629	12	se	se	PROPN
fsr-3530	629	13	nt	nt	PROPN
fsr-3530	629	14	s	s	PART
fsr-3530	629	15	si	si	PROPN
fsr-3530	629	16	g	g	PROPN
fsr-3530	629	17	n	n	PROPN
fsr-3530	629	18	ifi	ifi	PROPN
fsr-3530	629	19	ca	ca	PROPN
fsr-3530	629	20	n	n	ADV
fsr-3530	629	21	ce	ce	PROPN
fsr-3530	629	22	at	at	ADP
fsr-3530	629	23	th	th	X
fsr-3530	629	24	e	e	X
fsr-3530	629	25	1	1	NUM
fsr-3530	629	26	0	0	NUM
fsr-3530	629	27	%	%	NOUN
fsr-3530	629	28	,	,	PUNCT
fsr-3530	629	29	5	5	NUM
fsr-3530	629	30	%	%	NOUN
fsr-3530	629	31	,	,	PUNCT
fsr-3530	629	32	an	an	DET
fsr-3530	629	33	d	d	PROPN
fsr-3530	629	34	1	1	NUM
fsr-3530	629	35	%	%	NOUN
fsr-3530	629	36	le	le	X
fsr-3530	629	37	v	v	PROPN
fsr-3530	629	38	el	el	PROPN
fsr-3530	629	39	s	s	PROPN
fsr-3530	629	40	,	,	PUNCT
fsr-3530	629	41	re	re	ADP
fsr-3530	629	42	sp	sp	ADP
fsr-3530	629	43	ec	ec	PROPN
fsr-3530	629	44	ti	ti	PROPN
fsr-3530	629	45	v	v	PROPN
fsr-3530	629	46	el	el	PROPN
fsr-3530	629	47	y	y	PROPN
fsr-3530	629	48	.	.	PUNCT
fsr-3530	630	1	144	144	NUM
fsr-3530	630	2	b.	b.	PROPN
fsr-3530	630	3	j.	j.	PROPN
fsr-3530	630	4	davis	davis	PROPN
fsr-3530	630	5	et	et	PROPN
fsr-3530	630	6	al	al	PROPN
fsr-3530	630	7	.	.	PUNCT
fsr-3530	630	8	/	/	SYM
fsr-3530	630	9	financial	financial	ADJ
fsr-3530	630	10	services	service	NOUN
fsr-3530	630	11	review	review	VERB
fsr-3530	630	12	31	31	NUM
fsr-3530	630	13	(	(	PUNCT
fsr-3530	630	14	2023	2023	NUM
fsr-3530	630	15	)	)	PUNCT
fsr-3530	631	1	133–150	133–150	NUM
fsr-3530	631	2	t	t	PROPN
fsr-3530	631	3	ab	ab	X
fsr-3530	631	4	le	le	X
fsr-3530	631	5	8	8	NUM
fsr-3530	631	6	r	r	NOUN
fsr-3530	631	7	eg	eg	NOUN
fsr-3530	631	8	re	re	NOUN
fsr-3530	631	9	ss	ss	PROPN
fsr-3530	631	10	io	io	PROPN
fsr-3530	631	11	n	n	ADV
fsr-3530	631	12	es	es	X
fsr-3530	631	13	ti	ti	VERB
fsr-3530	631	14	m	m	NOUN
fsr-3530	631	15	at	at	ADP
fsr-3530	631	16	es	es	X
fsr-3530	631	17	o	o	PROPN
fsr-3530	631	18	f	f	X
fsr-3530	631	19	se	se	PROPN
fsr-3530	631	20	m	m	PROPN
fsr-3530	631	21	in	in	ADP
fsr-3530	631	22	ar	ar	PROPN
fsr-3530	631	23	in	in	ADP
fsr-3530	631	24	te	te	PROPN
fsr-3530	631	25	re	re	PROPN
fsr-3530	631	26	st	st	PROPN
fsr-3530	631	27	(	(	PUNCT
fsr-3530	631	28	1	1	NUM
fsr-3530	631	29	)	)	PUNCT
fsr-3530	631	30	(	(	PUNCT
fsr-3530	631	31	2	2	X
fsr-3530	631	32	)	)	PUNCT
fsr-3530	631	33	(	(	PUNCT
fsr-3530	631	34	3	3	X
fsr-3530	631	35	)	)	PUNCT
fsr-3530	631	36	(	(	PUNCT
fsr-3530	631	37	4	4	NUM
fsr-3530	631	38	)	)	PUNCT
fsr-3530	631	39	(	(	PUNCT
fsr-3530	631	40	5	5	X
fsr-3530	631	41	)	)	PUNCT
fsr-3530	631	42	s	s	PART
fsr-3530	631	43	tu	tu	PROPN
fsr-3530	631	44	de	de	PROPN
fsr-3530	631	45	n	n	PROPN
fsr-3530	631	46	t	t	PROPN
fsr-3530	631	47	an	an	DET
fsr-3530	631	48	d	d	X
fsr-3530	631	49	p	p	X
fsr-3530	631	50	ro	ro	INTJ
fsr-3530	631	51	gr	gr	PROPN
fsr-3530	631	52	am	be	AUX
fsr-3530	631	53	ch	ch	PROPN
fsr-3530	631	54	ar	ar	PROPN
fsr-3530	631	55	ac	ac	PROPN
fsr-3530	631	56	te	te	PROPN
fsr-3530	631	57	ri	ri	PROPN
fsr-3530	631	58	st	st	PROPN
fsr-3530	632	1	ic	ic	PROPN
fsr-3530	632	2	s	s	PROPN
fsr-3530	632	3	w	w	PROPN
fsr-3530	632	4	o	o	NOUN
fsr-3530	632	5	m	m	VERB
fsr-3530	632	6	an	an	DET
fsr-3530	632	7	0	0	NUM
fsr-3530	632	8	.0	.0	NUM
fsr-3530	632	9	2	2	NUM
fsr-3530	632	10	3	3	NUM
fsr-3530	632	11	(	(	PUNCT
fsr-3530	632	12	0	0	NUM
fsr-3530	632	13	.0	.0	NUM
fsr-3530	632	14	2	2	NUM
fsr-3530	632	15	2	2	NUM
fsr-3530	632	16	)	)	PUNCT
fsr-3530	632	17	0	0	NUM
fsr-3530	633	1	.0	.0	NUM
fsr-3530	633	2	2	2	NUM
fsr-3530	633	3	1	1	NUM
fsr-3530	633	4	(	(	PUNCT
fsr-3530	633	5	0	0	NUM
fsr-3530	633	6	.0	.0	NUM
fsr-3530	633	7	2	2	NUM
fsr-3530	633	8	3	3	NUM
fsr-3530	633	9	)	)	PUNCT
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fsr-3530	634	2	2	2	NUM
fsr-3530	634	3	1	1	NUM
fsr-3530	634	4	(	(	PUNCT
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fsr-3530	634	6	.0	.0	NUM
fsr-3530	634	7	2	2	NUM
fsr-3530	634	8	3	3	NUM
fsr-3530	634	9	)	)	PUNCT
fsr-3530	634	10	0	0	NUM
fsr-3530	635	1	.0	.0	NUM
fsr-3530	635	2	1	1	NUM
fsr-3530	635	3	9	9	NUM
fsr-3530	635	4	(	(	PUNCT
fsr-3530	635	5	0	0	NUM
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fsr-3530	635	7	2	2	NUM
fsr-3530	635	8	2	2	NUM
fsr-3530	635	9	)	)	PUNCT
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fsr-3530	636	2	0	0	NUM
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fsr-3530	636	4	(	(	PUNCT
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fsr-3530	636	7	2	2	NUM
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fsr-3530	636	9	)	)	PUNCT
fsr-3530	636	10	a	a	DET
fsr-3530	636	11	g	g	NOUN
fsr-3530	636	12	e	e	NOUN
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fsr-3530	637	2	0	0	NUM
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fsr-3530	637	9	)	)	PUNCT
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fsr-3530	638	11	0	0	NUM
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fsr-3530	640	9	)	)	PUNCT
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fsr-3530	642	4	(	(	PUNCT
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fsr-3530	642	7	0	0	NUM
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fsr-3530	642	9	)	)	PUNCT
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fsr-3530	643	2	0	0	NUM
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fsr-3530	643	4	(	(	PUNCT
fsr-3530	643	5	0	0	NUM
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fsr-3530	643	7	0	0	NUM
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fsr-3530	643	9	)	)	PUNCT
fsr-3530	643	10	in	in	ADP
fsr-3530	643	11	t	t	PROPN
fsr-3530	643	12	’	'	PUNCT
fsr-3530	643	13	l	l	NOUN
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fsr-3530	643	15	u	u	PROPN
fsr-3530	643	16	d	d	PROPN
fsr-3530	643	17	en	en	X
fsr-3530	643	18	t	t	PROPN
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fsr-3530	643	21	3	3	NUM
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fsr-3530	643	26	2	2	NUM
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fsr-3530	643	28	)	)	PUNCT
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fsr-3530	644	2	2	2	NUM
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fsr-3530	644	4	(	(	PUNCT
fsr-3530	644	5	0	0	NUM
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fsr-3530	644	7	2	2	NUM
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fsr-3530	644	9	)	)	PUNCT
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fsr-3530	644	12	6	6	NUM
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fsr-3530	644	14	(	(	PUNCT
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fsr-3530	644	17	3	3	NUM
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fsr-3530	644	19	)	)	PUNCT
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fsr-3530	646	9	)	)	PUNCT
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fsr-3530	646	12	n	n	PRON
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fsr-3530	646	27	)	)	PUNCT
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fsr-3530	647	9	)	)	PUNCT
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fsr-3530	648	9	)	)	PUNCT
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fsr-3530	649	9	)	)	PUNCT
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fsr-3530	650	4	(	(	PUNCT
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fsr-3530	650	10	r	r	NOUN
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fsr-3530	650	15	/t	/t	PUNCT
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fsr-3530	650	18	in	in	ADP
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fsr-3530	651	9	)	)	PUNCT
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fsr-3530	656	10	c	c	NOUN
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fsr-3530	658	10	*	*	PUNCT
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fsr-3530	660	10	*	*	PUNCT
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fsr-3530	666	9	)	)	PUNCT
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fsr-3530	675	3	6	6	NUM
fsr-3530	675	4	(	(	PUNCT
fsr-3530	675	5	0	0	NUM
fsr-3530	675	6	.0	.0	NUM
fsr-3530	675	7	3	3	NUM
fsr-3530	675	8	9	9	NUM
fsr-3530	675	9	)	)	PUNCT
fsr-3530	675	10	p	p	NOUN
fsr-3530	675	11	ro	ro	X
fsr-3530	675	12	fe	fe	X
fsr-3530	675	13	ss	ss	PROPN
fsr-3530	675	14	io	io	PROPN
fsr-3530	676	1	n	n	PROPN
fsr-3530	676	2	al	al	PROPN
fsr-3530	676	3	0	0	NUM
fsr-3530	676	4	.0	.0	NUM
fsr-3530	676	5	5	5	NUM
fsr-3530	676	6	3	3	NUM
fsr-3530	676	7	(	(	PUNCT
fsr-3530	676	8	0	0	NUM
fsr-3530	676	9	.0	.0	NUM
fsr-3530	676	10	2	2	NUM
fsr-3530	676	11	9	9	NUM
fsr-3530	676	12	)	)	PUNCT
fsr-3530	676	13	*	*	PUNCT
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fsr-3530	677	1	.0	.0	NUM
fsr-3530	677	2	5	5	NUM
fsr-3530	677	3	6	6	NUM
fsr-3530	677	4	(	(	PUNCT
fsr-3530	677	5	0	0	NUM
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fsr-3530	677	7	2	2	NUM
fsr-3530	677	8	9	9	NUM
fsr-3530	677	9	)	)	PUNCT
fsr-3530	677	10	*	*	PUNCT
fsr-3530	677	11	0	0	NUM
fsr-3530	678	1	.0	.0	NUM
fsr-3530	678	2	5	5	NUM
fsr-3530	678	3	5	5	NUM
fsr-3530	678	4	(	(	PUNCT
fsr-3530	678	5	0	0	NUM
fsr-3530	678	6	.0	.0	NUM
fsr-3530	678	7	2	2	NUM
fsr-3530	678	8	9	9	NUM
fsr-3530	678	9	)	)	PUNCT
fsr-3530	678	10	*	*	PUNCT
fsr-3530	678	11	0	0	NUM
fsr-3530	679	1	.0	.0	NUM
fsr-3530	679	2	5	5	NUM
fsr-3530	679	3	1	1	NUM
fsr-3530	679	4	(	(	PUNCT
fsr-3530	679	5	0	0	NUM
fsr-3530	679	6	.0	.0	NUM
fsr-3530	679	7	2	2	NUM
fsr-3530	679	8	9	9	NUM
fsr-3530	679	9	)	)	PUNCT
fsr-3530	679	10	*	*	PUNCT
fsr-3530	679	11	0	0	NUM
fsr-3530	680	1	.0	.0	NUM
fsr-3530	680	2	5	5	NUM
fsr-3530	680	3	4	4	NUM
fsr-3530	680	4	(	(	PUNCT
fsr-3530	680	5	0	0	NUM
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fsr-3530	680	7	2	2	NUM
fsr-3530	680	8	9	9	NUM
fsr-3530	680	9	)	)	PUNCT
fsr-3530	680	10	*	*	PUNCT
fsr-3530	681	1	f	f	X
fsr-3530	681	2	in	in	ADP
fsr-3530	681	3	an	an	DET
fsr-3530	681	4	ci	ci	PROPN
fsr-3530	681	5	al	al	PROPN
fsr-3530	681	6	li	li	PROPN
fsr-3530	681	7	te	te	PROPN
fsr-3530	681	8	ra	ra	PROPN
fsr-3530	681	9	cy	cy	PROPN
fsr-3530	681	10	ch	ch	PROPN
fsr-3530	681	11	ar	ar	PROPN
fsr-3530	681	12	ac	ac	PROPN
fsr-3530	681	13	te	te	PROPN
fsr-3530	681	14	ri	ri	PROPN
fsr-3530	681	15	st	st	PROPN
fsr-3530	681	16	ic	ic	PROPN
fsr-3530	681	17	s	s	PROPN
fsr-3530	681	18	f	f	PROPN
fsr-3530	681	19	in	in	ADP
fsr-3530	681	20	an	an	DET
fsr-3530	681	21	ci	ci	PROPN
fsr-3530	681	22	al	al	PROPN
fsr-3530	681	23	li	li	PROPN
fsr-3530	681	24	te	te	PROPN
fsr-3530	681	25	ra	ra	PROPN
fsr-3530	681	26	cy	cy	INTJ
fsr-3530	681	27	0	0	NUM
fsr-3530	681	28	.0	.0	NUM
fsr-3530	681	29	4	4	NUM
fsr-3530	681	30	3	3	NUM
fsr-3530	681	31	(	(	PUNCT
fsr-3530	681	32	0	0	NUM
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fsr-3530	681	34	0	0	NUM
fsr-3530	681	35	4	4	NUM
fsr-3530	681	36	)	)	PUNCT
fsr-3530	681	37	*	*	PUNCT
fsr-3530	682	1	*	*	PUNCT
fsr-3530	682	2	*	*	PUNCT
fsr-3530	682	3	0	0	NUM
fsr-3530	683	1	.0	.0	NUM
fsr-3530	683	2	4	4	NUM
fsr-3530	683	3	3	3	NUM
fsr-3530	683	4	(	(	PUNCT
fsr-3530	683	5	0	0	NUM
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fsr-3530	683	7	0	0	NUM
fsr-3530	683	8	4	4	NUM
fsr-3530	683	9	)	)	PUNCT
fsr-3530	683	10	*	*	PUNCT
fsr-3530	684	1	*	*	PUNCT
fsr-3530	684	2	*	*	PUNCT
fsr-3530	684	3	0	0	NUM
fsr-3530	685	1	.0	.0	NUM
fsr-3530	685	2	4	4	NUM
fsr-3530	685	3	4	4	NUM
fsr-3530	685	4	(	(	PUNCT
fsr-3530	685	5	0	0	NUM
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fsr-3530	685	7	0	0	NUM
fsr-3530	685	8	4	4	NUM
fsr-3530	685	9	)	)	PUNCT
fsr-3530	685	10	*	*	PUNCT
fsr-3530	686	1	*	*	PUNCT
fsr-3530	686	2	*	*	PUNCT
fsr-3530	686	3	0	0	NUM
fsr-3530	687	1	.0	.0	NUM
fsr-3530	687	2	4	4	NUM
fsr-3530	687	3	4	4	NUM
fsr-3530	687	4	(	(	PUNCT
fsr-3530	687	5	0	0	NUM
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fsr-3530	687	7	0	0	NUM
fsr-3530	687	8	4	4	NUM
fsr-3530	687	9	)	)	PUNCT
fsr-3530	687	10	*	*	PUNCT
fsr-3530	688	1	*	*	PUNCT
fsr-3530	688	2	*	*	PUNCT
fsr-3530	688	3	s	s	PROPN
fsr-3530	688	4	el	el	PROPN
fsr-3530	688	5	fas	fas	PROPN
fsr-3530	688	6	se	se	PROPN
fsr-3530	688	7	ss	ss	PROPN
fsr-3530	689	1	ed	ed	PROPN
fsr-3530	689	2	fi	fi	PROPN
fsr-3530	689	3	n	n	CCONJ
fsr-3530	689	4	an	an	DET
fsr-3530	689	5	ci	ci	NOUN
fsr-3530	689	6	al	al	PROPN
fsr-3530	689	7	iq	iq	PROPN
fsr-3530	689	8	"	"	PUNCT
fsr-3530	689	9	0	0	NUM
fsr-3530	690	1	.0	.0	NUM
fsr-3530	690	2	5	5	NUM
fsr-3530	690	3	2	2	NUM
fsr-3530	690	4	(	(	PUNCT
fsr-3530	690	5	0	0	NUM
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fsr-3530	690	7	0	0	NUM
fsr-3530	690	8	8)	8)	NUM
fsr-3530	690	9	*	*	PUNCT
fsr-3530	691	1	*	*	PUNCT
fsr-3530	691	2	*	*	PUNCT
fsr-3530	691	3	"	"	PUNCT
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fsr-3530	692	2	5	5	NUM
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fsr-3530	692	4	(	(	PUNCT
fsr-3530	692	5	0	0	NUM
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fsr-3530	692	7	0	0	NUM
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fsr-3530	692	9	)	)	PUNCT
fsr-3530	692	10	*	*	PUNCT
fsr-3530	693	1	*	*	PUNCT
fsr-3530	693	2	*	*	PUNCT
fsr-3530	693	3	"	"	PUNCT
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fsr-3530	693	5	.0	.0	NUM
fsr-3530	693	6	5	5	NUM
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fsr-3530	693	8	(	(	PUNCT
fsr-3530	693	9	0	0	NUM
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fsr-3530	693	11	0	0	NUM
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fsr-3530	693	13	)	)	PUNCT
fsr-3530	693	14	*	*	PUNCT
fsr-3530	694	1	*	*	PUNCT
fsr-3530	694	2	*	*	PUNCT
fsr-3530	694	3	"	"	PUNCT
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fsr-3530	694	5	.0	.0	NUM
fsr-3530	694	6	5	5	NUM
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fsr-3530	694	8	(	(	PUNCT
fsr-3530	694	9	0	0	NUM
fsr-3530	694	10	.0	.0	NUM
fsr-3530	694	11	0	0	NUM
fsr-3530	694	12	9	9	NUM
fsr-3530	694	13	)	)	PUNCT
fsr-3530	694	14	*	*	PUNCT
fsr-3530	695	1	*	*	PUNCT
fsr-3530	695	2	*	*	PUNCT
fsr-3530	695	3	r	r	X
fsr-3530	695	4	el	el	PROPN
fsr-3530	695	5	at	at	ADP
fsr-3530	695	6	iv	iv	NUM
fsr-3530	695	7	e	e	PROPN
fsr-3530	695	8	f	f	PROPN
fsr-3530	695	9	in	in	ADP
fsr-3530	695	10	iq	iq	PROPN
fsr-3530	695	11	0	0	NUM
fsr-3530	696	1	.8	.8	NUM
fsr-3530	696	2	5	5	NUM
fsr-3530	696	3	3	3	NUM
fsr-3530	696	4	(	(	PUNCT
fsr-3530	696	5	0	0	NUM
fsr-3530	696	6	.0	.0	NUM
fsr-3530	696	7	7	7	NUM
fsr-3530	696	8	2	2	NUM
fsr-3530	696	9	)	)	PUNCT
fsr-3530	696	10	*	*	PUNCT
fsr-3530	697	1	*	*	PUNCT
fsr-3530	698	1	*	*	PUNCT
fsr-3530	698	2	p	p	X
fsr-3530	698	3	er	er	INTJ
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fsr-3530	698	6	al	al	PROPN
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fsr-3530	698	8	na	na	ADP
fsr-3530	698	9	n	n	ADV
fsr-3530	698	10	ce	ce	PROPN
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fsr-3530	699	4	(	(	PUNCT
fsr-3530	699	5	0	0	NUM
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fsr-3530	699	9	)	)	PUNCT
fsr-3530	699	10	*	*	PUNCT
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fsr-3530	701	1	*	*	PUNCT
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fsr-3530	702	2	6	6	NUM
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fsr-3530	702	4	(	(	PUNCT
fsr-3530	702	5	0	0	NUM
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fsr-3530	702	7	5	5	NUM
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fsr-3530	702	9	)	)	PUNCT
fsr-3530	702	10	*	*	PUNCT
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fsr-3530	704	1	*	*	PUNCT
fsr-3530	704	2	0	0	NUM
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fsr-3530	705	2	5	5	NUM
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fsr-3530	705	4	(	(	PUNCT
fsr-3530	705	5	0	0	NUM
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fsr-3530	705	7	5	5	NUM
fsr-3530	705	8	5	5	NUM
fsr-3530	705	9	)	)	PUNCT
fsr-3530	705	10	*	*	PUNCT
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fsr-3530	707	1	*	*	PUNCT
fsr-3530	707	2	0	0	NUM
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fsr-3530	708	2	3	3	NUM
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fsr-3530	708	4	(	(	PUNCT
fsr-3530	708	5	0	0	NUM
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fsr-3530	708	7	5	5	NUM
fsr-3530	708	8	6	6	NUM
fsr-3530	708	9	)	)	PUNCT
fsr-3530	708	10	*	*	PUNCT
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fsr-3530	710	1	*	*	PUNCT
fsr-3530	710	2	0	0	NUM
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fsr-3530	710	4	2	2	NUM
fsr-3530	710	5	6	6	NUM
fsr-3530	710	6	(	(	PUNCT
fsr-3530	710	7	0	0	NUM
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fsr-3530	710	9	5	5	NUM
fsr-3530	710	10	6	6	NUM
fsr-3530	710	11	)	)	PUNCT
fsr-3530	710	12	*	*	PUNCT
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fsr-3530	711	2	*	*	PUNCT
fsr-3530	711	3	b	b	X
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fsr-3530	711	6	in	in	ADP
fsr-3530	711	7	g	g	PROPN
fsr-3530	711	8	,	,	PUNCT
fsr-3530	711	9	as	as	ADV
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fsr-3530	711	11	ts	ts	X
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fsr-3530	711	13	in	in	ADP
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fsr-3530	711	19	v	v	NUM
fsr-3530	711	20	es	es	ADP
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fsr-3530	711	23	t	t	PROPN
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fsr-3530	711	26	re	re	X
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fsr-3530	712	5	0	0	NUM
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fsr-3530	712	9	)	)	PUNCT
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fsr-3530	713	5	0	0	NUM
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fsr-3530	713	7	2	2	NUM
fsr-3530	713	8	6	6	NUM
fsr-3530	713	9	)	)	PUNCT
fsr-3530	713	10	"	"	PUNCT
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fsr-3530	714	5	0	0	NUM
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fsr-3530	714	9	)	)	PUNCT
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fsr-3530	716	6	)	)	PUNCT
fsr-3530	716	7	s	s	VERB
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fsr-3530	717	5	0	0	NUM
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fsr-3530	717	8	9	9	NUM
fsr-3530	717	9	)	)	PUNCT
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fsr-3530	718	2	2	2	NUM
fsr-3530	718	3	8	8	NUM
fsr-3530	718	4	(	(	PUNCT
fsr-3530	718	5	0	0	NUM
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fsr-3530	718	10	0	0	NUM
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fsr-3530	719	5	0	0	NUM
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fsr-3530	719	8	5	5	NUM
fsr-3530	719	9	)	)	PUNCT
fsr-3530	719	10	"	"	PUNCT
fsr-3530	719	11	0	0	NUM
fsr-3530	720	1	.0	.0	NUM
fsr-3530	720	2	3	3	NUM
fsr-3530	720	3	1	1	NUM
fsr-3530	720	4	(	(	PUNCT
fsr-3530	720	5	0	0	NUM
fsr-3530	720	6	.0	.0	NUM
fsr-3530	720	7	2	2	NUM
fsr-3530	720	8	5	5	NUM
fsr-3530	720	9	)	)	PUNCT
fsr-3530	720	10	"	"	PUNCT
fsr-3530	720	11	0	0	NUM
fsr-3530	721	1	.0	.0	NUM
fsr-3530	721	2	1	1	NUM
fsr-3530	721	3	9	9	NUM
fsr-3530	721	4	(	(	PUNCT
fsr-3530	721	5	0	0	NUM
fsr-3530	721	6	.0	.0	NUM
fsr-3530	721	7	2	2	NUM
fsr-3530	721	8	5	5	NUM
fsr-3530	721	9	)	)	PUNCT
fsr-3530	721	10	"	"	PUNCT
fsr-3530	721	11	0	0	NUM
fsr-3530	722	1	.0	.0	NUM
fsr-3530	722	2	1	1	NUM
fsr-3530	722	3	8	8	NUM
fsr-3530	722	4	(	(	PUNCT
fsr-3530	722	5	0	0	NUM
fsr-3530	722	6	.0	.0	NUM
fsr-3530	722	7	2	2	NUM
fsr-3530	722	8	5	5	NUM
fsr-3530	722	9	)	)	PUNCT
fsr-3530	722	10	d	d	NOUN
fsr-3530	722	11	eb	eb	PROPN
fsr-3530	722	12	t	t	PROPN
fsr-3530	722	13	s	s	PROPN
fsr-3530	722	14	tu	tu	PROPN
fsr-3530	722	15	d	d	PROPN
fsr-3530	722	16	en	en	PROPN
fsr-3530	722	17	t	t	PROPN
fsr-3530	722	18	d	d	X
fsr-3530	722	19	eb	eb	PROPN
fsr-3530	722	20	t	t	PROPN
fsr-3530	722	21	(	(	PUNCT
fsr-3530	722	22	u	u	NOUN
fsr-3530	722	23	n	n	PROPN
fsr-3530	723	1	d	d	NOUN
fsr-3530	724	1	er	er	INTJ
fsr-3530	724	2	g	g	NOUN
fsr-3530	724	3	ra	ra	PROPN
fsr-3530	725	1	d	d	X
fsr-3530	725	2	o	o	X
fsr-3530	725	3	n	n	X
fsr-3530	725	4	ly	ly	X
fsr-3530	725	5	)	)	PUNCT
fsr-3530	725	6	0	0	NUM
fsr-3530	726	1	.1	.1	NUM
fsr-3530	726	2	0	0	NUM
fsr-3530	726	3	8	8	NUM
fsr-3530	726	4	(	(	PUNCT
fsr-3530	726	5	0	0	NUM
fsr-3530	726	6	.0	.0	NUM
fsr-3530	726	7	3	3	NUM
fsr-3530	726	8	8)	8)	NUM
fsr-3530	726	9	*	*	PUNCT
fsr-3530	727	1	*	*	PUNCT
fsr-3530	727	2	*	*	PUNCT
fsr-3530	727	3	0	0	NUM
fsr-3530	727	4	.1	.1	NUM
fsr-3530	727	5	0	0	NUM
fsr-3530	727	6	1	1	NUM
fsr-3530	727	7	(	(	PUNCT
fsr-3530	727	8	0	0	NUM
fsr-3530	727	9	.0	.0	NUM
fsr-3530	727	10	3	3	NUM
fsr-3530	727	11	8	8	NUM
fsr-3530	727	12	)	)	PUNCT
fsr-3530	727	13	*	*	PUNCT
fsr-3530	728	1	*	*	PUNCT
fsr-3530	729	1	*	*	PUNCT
fsr-3530	729	2	0	0	NUM
fsr-3530	729	3	.0	.0	NUM
fsr-3530	729	4	9	9	NUM
fsr-3530	729	5	9	9	NUM
fsr-3530	729	6	(	(	PUNCT
fsr-3530	729	7	0	0	NUM
fsr-3530	729	8	.0	.0	NUM
fsr-3530	729	9	3	3	NUM
fsr-3530	729	10	8)	8)	NUM
fsr-3530	729	11	*	*	PUNCT
fsr-3530	730	1	*	*	PUNCT
fsr-3530	730	2	*	*	PUNCT
fsr-3530	730	3	s	s	X
fsr-3530	730	4	tu	tu	X
fsr-3530	730	5	d	d	PROPN
fsr-3530	730	6	en	en	PROPN
fsr-3530	730	7	t	t	PROPN
fsr-3530	730	8	d	d	X
fsr-3530	730	9	eb	eb	PROPN
fsr-3530	730	10	t	t	PROPN
fsr-3530	730	11	(	(	PUNCT
fsr-3530	730	12	g	g	PROPN
fsr-3530	730	13	ra	ra	PROPN
fsr-3530	731	1	d	d	X
fsr-3530	731	2	o	o	X
fsr-3530	731	3	n	n	X
fsr-3530	731	4	ly	ly	X
fsr-3530	731	5	)	)	PUNCT
fsr-3530	731	6	0	0	NUM
fsr-3530	732	1	.0	.0	NUM
fsr-3530	732	2	2	2	NUM
fsr-3530	732	3	7	7	NUM
fsr-3530	732	4	(	(	PUNCT
fsr-3530	732	5	0	0	NUM
fsr-3530	732	6	.0	.0	NUM
fsr-3530	732	7	3	3	NUM
fsr-3530	732	8	0	0	NUM
fsr-3530	732	9	)	)	PUNCT
fsr-3530	732	10	0	0	NUM
fsr-3530	733	1	.0	.0	NUM
fsr-3530	733	2	1	1	NUM
fsr-3530	733	3	9	9	NUM
fsr-3530	733	4	(	(	PUNCT
fsr-3530	733	5	0	0	NUM
fsr-3530	733	6	.0	.0	NUM
fsr-3530	733	7	3	3	NUM
fsr-3530	733	8	0	0	NUM
fsr-3530	733	9	)	)	PUNCT
fsr-3530	733	10	0	0	NUM
fsr-3530	734	1	.0	.0	NUM
fsr-3530	734	2	1	1	NUM
fsr-3530	734	3	6	6	NUM
fsr-3530	734	4	(	(	PUNCT
fsr-3530	734	5	0	0	NUM
fsr-3530	734	6	.0	.0	NUM
fsr-3530	734	7	3	3	NUM
fsr-3530	734	8	0	0	NUM
fsr-3530	734	9	)	)	PUNCT
fsr-3530	734	10	b	b	NOUN
fsr-3530	734	11	o	o	X
fsr-3530	734	12	th	th	X
fsr-3530	734	13	u	u	NOUN
fsr-3530	734	14	n	n	PROPN
fsr-3530	735	1	d	d	NOUN
fsr-3530	736	1	er	er	INTJ
fsr-3530	736	2	g	g	PROPN
fsr-3530	736	3	ra	ra	PROPN
fsr-3530	737	1	d	d	NOUN
fsr-3530	737	2	an	an	PRON
fsr-3530	737	3	d	d	X
fsr-3530	737	4	g	g	PROPN
fsr-3530	737	5	ra	ra	PROPN
fsr-3530	738	1	d	d	PROPN
fsr-3530	738	2	d	d	X
fsr-3530	738	3	eb	eb	PROPN
fsr-3530	738	4	t	t	PROPN
fsr-3530	738	5	0	0	NUM
fsr-3530	738	6	.0	.0	NUM
fsr-3530	738	7	6	6	NUM
fsr-3530	738	8	0	0	NUM
fsr-3530	738	9	(	(	PUNCT
fsr-3530	738	10	0	0	NUM
fsr-3530	738	11	.0	.0	NUM
fsr-3530	738	12	2	2	NUM
fsr-3530	738	13	9	9	NUM
fsr-3530	738	14	)	)	PUNCT
fsr-3530	738	15	*	*	PUNCT
fsr-3530	739	1	*	*	PUNCT
fsr-3530	739	2	0	0	NUM
fsr-3530	740	1	.0	.0	NUM
fsr-3530	740	2	5	5	NUM
fsr-3530	740	3	1	1	NUM
fsr-3530	740	4	(	(	PUNCT
fsr-3530	740	5	0	0	NUM
fsr-3530	740	6	.0	.0	NUM
fsr-3530	740	7	2	2	NUM
fsr-3530	740	8	9	9	NUM
fsr-3530	740	9	)	)	PUNCT
fsr-3530	740	10	*	*	PUNCT
fsr-3530	740	11	0	0	NUM
fsr-3530	741	1	.0	.0	NUM
fsr-3530	741	2	4	4	NUM
fsr-3530	741	3	3	3	NUM
fsr-3530	741	4	(	(	PUNCT
fsr-3530	741	5	0	0	NUM
fsr-3530	741	6	.0	.0	NUM
fsr-3530	741	7	2	2	NUM
fsr-3530	741	8	9	9	NUM
fsr-3530	741	9	)	)	PUNCT
fsr-3530	741	10	c	c	NOUN
fsr-3530	741	11	re	re	VERB
fsr-3530	742	1	d	d	NOUN
fsr-3530	742	2	it	it	PRON
fsr-3530	742	3	c	c	PROPN
fsr-3530	742	4	ar	ar	PROPN
fsr-3530	742	5	d	d	NOUN
fsr-3530	742	6	"	"	PUNCT
fsr-3530	742	7	0	0	NUM
fsr-3530	742	8	.0	.0	NUM
fsr-3530	742	9	5	5	NUM
fsr-3530	742	10	1	1	NUM
fsr-3530	742	11	(	(	PUNCT
fsr-3530	742	12	0	0	NUM
fsr-3530	742	13	.0	.0	NUM
fsr-3530	742	14	6	6	NUM
fsr-3530	742	15	3	3	NUM
fsr-3530	742	16	)	)	PUNCT
fsr-3530	742	17	"	"	PUNCT
fsr-3530	742	18	0	0	NUM
fsr-3530	743	1	.0	.0	NUM
fsr-3530	743	2	5	5	NUM
fsr-3530	743	3	9	9	NUM
fsr-3530	743	4	(	(	PUNCT
fsr-3530	743	5	0	0	NUM
fsr-3530	743	6	.0	.0	NUM
fsr-3530	743	7	6	6	NUM
fsr-3530	743	8	3	3	NUM
fsr-3530	743	9	)	)	PUNCT
fsr-3530	743	10	"	"	PUNCT
fsr-3530	743	11	0	0	NUM
fsr-3530	744	1	.0	.0	NUM
fsr-3530	744	2	5	5	NUM
fsr-3530	744	3	0	0	NUM
fsr-3530	744	4	(	(	PUNCT
fsr-3530	744	5	0	0	NUM
fsr-3530	744	6	.0	.0	NUM
fsr-3530	744	7	6	6	NUM
fsr-3530	744	8	3	3	NUM
fsr-3530	744	9	)	)	PUNCT
fsr-3530	744	10	a	a	DET
fsr-3530	744	11	u	u	NOUN
fsr-3530	744	12	to	to	ADP
fsr-3530	744	13	0	0	NUM
fsr-3530	744	14	.0	.0	NUM
fsr-3530	744	15	3	3	NUM
fsr-3530	744	16	2	2	NUM
fsr-3530	744	17	(	(	PUNCT
fsr-3530	744	18	0	0	NUM
fsr-3530	744	19	.0	.0	NUM
fsr-3530	744	20	2	2	NUM
fsr-3530	744	21	7	7	NUM
fsr-3530	744	22	)	)	PUNCT
fsr-3530	744	23	0	0	NUM
fsr-3530	744	24	.0	.0	NUM
fsr-3530	744	25	4	4	NUM
fsr-3530	744	26	2	2	NUM
fsr-3530	744	27	(	(	PUNCT
fsr-3530	744	28	0	0	NUM
fsr-3530	744	29	.0	.0	NUM
fsr-3530	744	30	2	2	NUM
fsr-3530	744	31	7	7	NUM
fsr-3530	744	32	)	)	PUNCT
fsr-3530	744	33	0	0	NUM
fsr-3530	745	1	.0	.0	NUM
fsr-3530	745	2	4	4	NUM
fsr-3530	745	3	1	1	NUM
fsr-3530	745	4	(	(	PUNCT
fsr-3530	745	5	0	0	NUM
fsr-3530	745	6	.0	.0	NUM
fsr-3530	745	7	2	2	NUM
fsr-3530	745	8	7	7	NUM
fsr-3530	745	9	)	)	PUNCT
fsr-3530	745	10	h	h	NOUN
fsr-3530	746	1	o	o	NOUN
fsr-3530	746	2	m	m	VERB
fsr-3530	746	3	e	e	NOUN
fsr-3530	746	4	o	o	X
fsr-3530	746	5	w	w	NOUN
fsr-3530	746	6	n	n	INTJ
fsr-3530	746	7	er	er	INTJ
fsr-3530	746	8	sh	sh	INTJ
fsr-3530	746	9	ip	ip	NOUN
fsr-3530	746	10	o	o	NOUN
fsr-3530	746	11	w	w	NOUN
fsr-3530	746	12	n	n	ADJ
fsr-3530	746	13	h	h	NOUN
fsr-3530	747	1	o	o	NOUN
fsr-3530	747	2	m	m	VERB
fsr-3530	747	3	e	e	X
fsr-3530	747	4	"	"	PUNCT
fsr-3530	747	5	0	0	NUM
fsr-3530	747	6	.0	.0	NUM
fsr-3530	747	7	6	6	NUM
fsr-3530	747	8	8	8	NUM
fsr-3530	747	9	(	(	PUNCT
fsr-3530	747	10	0	0	NUM
fsr-3530	747	11	.0	.0	NUM
fsr-3530	747	12	3	3	NUM
fsr-3530	747	13	7	7	NUM
fsr-3530	747	14	)	)	PUNCT
fsr-3530	747	15	*	*	PUNCT
fsr-3530	747	16	"	"	PUNCT
fsr-3530	747	17	0	0	NUM
fsr-3530	748	1	.0	.0	NUM
fsr-3530	748	2	5	5	NUM
fsr-3530	748	3	7	7	NUM
fsr-3530	748	4	(	(	PUNCT
fsr-3530	748	5	0	0	NUM
fsr-3530	748	6	.0	.0	NUM
fsr-3530	748	7	3	3	NUM
fsr-3530	748	8	7	7	NUM
fsr-3530	748	9	)	)	PUNCT
fsr-3530	748	10	p	p	NOUN
fsr-3530	748	11	la	la	X
fsr-3530	748	12	n	n	NOUN
fsr-3530	748	13	to	to	ADP
fsr-3530	748	14	p	p	X
fsr-3530	748	15	u	u	PROPN
fsr-3530	748	16	rc	rc	PROPN
fsr-3530	748	17	h	h	NOUN
fsr-3530	748	18	as	as	ADP
fsr-3530	748	19	e	e	X
fsr-3530	748	20	h	h	NOUN
fsr-3530	749	1	o	o	NOUN
fsr-3530	749	2	m	m	VERB
fsr-3530	749	3	e	e	X
fsr-3530	749	4	0	0	NUM
fsr-3530	749	5	.0	.0	NUM
fsr-3530	749	6	5	5	NUM
fsr-3530	749	7	3	3	NUM
fsr-3530	749	8	(	(	PUNCT
fsr-3530	749	9	0	0	NUM
fsr-3530	749	10	.0	.0	NUM
fsr-3530	749	11	2	2	NUM
fsr-3530	749	12	7	7	NUM
fsr-3530	749	13	)	)	PUNCT
fsr-3530	750	1	*	*	PUNCT
fsr-3530	751	1	*	*	PUNCT
fsr-3530	751	2	0	0	NUM
fsr-3530	752	1	.0	.0	NUM
fsr-3530	752	2	6	6	NUM
fsr-3530	752	3	1	1	NUM
fsr-3530	752	4	(	(	PUNCT
fsr-3530	752	5	0	0	NUM
fsr-3530	752	6	.0	.0	NUM
fsr-3530	752	7	2	2	NUM
fsr-3530	752	8	7	7	NUM
fsr-3530	752	9	)	)	PUNCT
fsr-3530	752	10	*	*	PUNCT
fsr-3530	753	1	*	*	PUNCT
fsr-3530	753	2	o	o	X
fsr-3530	753	3	b	b	X
fsr-3530	753	4	se	se	PROPN
fsr-3530	753	5	rv	rv	PROPN
fsr-3530	753	6	at	at	ADP
fsr-3530	753	7	io	io	PROPN
fsr-3530	753	8	n	n	PROPN
fsr-3530	753	9	s	s	PROPN
fsr-3530	753	10	2	2	NUM
fsr-3530	753	11	,	,	PUNCT
fsr-3530	753	12	0	0	NUM
fsr-3530	753	13	9	9	NUM
fsr-3530	753	14	8	8	NUM
fsr-3530	753	15	2	2	NUM
fsr-3530	753	16	,	,	PUNCT
fsr-3530	753	17	0	0	NUM
fsr-3530	753	18	9	9	NUM
fsr-3530	753	19	8	8	NUM
fsr-3530	753	20	2	2	NUM
fsr-3530	753	21	,	,	PUNCT
fsr-3530	753	22	0	0	NUM
fsr-3530	753	23	9	9	NUM
fsr-3530	753	24	8	8	NUM
fsr-3530	753	25	2	2	NUM
fsr-3530	753	26	,	,	PUNCT
fsr-3530	753	27	0	0	NUM
fsr-3530	753	28	9	9	NUM
fsr-3530	753	29	8	8	NUM
fsr-3530	753	30	2	2	NUM
fsr-3530	753	31	,	,	PUNCT
fsr-3530	753	32	0	0	NUM
fsr-3530	754	1	9	9	NUM
fsr-3530	754	2	8	8	NUM
fsr-3530	754	3	n	n	NUM
fsr-3530	754	4	o	o	NOUN
fsr-3530	754	5	te	te	X
fsr-3530	754	6	.	.	PUNCT
fsr-3530	755	1	p	p	X
fsr-3530	756	1	ro	ro	INTJ
fsr-3530	756	2	b	b	X
fsr-3530	757	1	it	it	PRON
fsr-3530	757	2	w	w	INTJ
fsr-3530	757	3	it	it	PRON
fsr-3530	757	4	h	h	NOUN
fsr-3530	758	1	m	m	PROPN
fsr-3530	758	2	ar	ar	PROPN
fsr-3530	758	3	g	g	PROPN
fsr-3530	758	4	in	in	ADP
fsr-3530	758	5	al	al	PROPN
fsr-3530	758	6	ef	ef	PROPN
fsr-3530	758	7	fe	fe	X
fsr-3530	759	1	ct	ct	PROPN
fsr-3530	759	2	s	s	PROPN
fsr-3530	759	3	sh	sh	NOUN
fsr-3530	759	4	o	o	NOUN
fsr-3530	759	5	w	w	NOUN
fsr-3530	759	6	n	n	PROPN
fsr-3530	759	7	.	.	PUNCT
fsr-3530	760	1	s	s	VERB
fsr-3530	760	2	ta	ta	PROPN
fsr-3530	760	3	n	n	PROPN
fsr-3530	760	4	d	d	PROPN
fsr-3530	760	5	ar	ar	PROPN
fsr-3530	761	1	d	d	PROPN
fsr-3530	761	2	er	er	INTJ
fsr-3530	761	3	ro	ro	INTJ
fsr-3530	761	4	rs	rs	INTJ
fsr-3530	762	1	sh	sh	INTJ
fsr-3530	762	2	o	o	NOUN
fsr-3530	762	3	w	w	NOUN
fsr-3530	762	4	n	n	PROPN
fsr-3530	762	5	in	in	ADP
fsr-3530	762	6	p	p	PROPN
fsr-3530	762	7	ar	ar	PROPN
fsr-3530	762	8	en	en	ADP
fsr-3530	762	9	th	th	X
fsr-3530	762	10	es	es	NOUN
fsr-3530	762	11	is	be	AUX
fsr-3530	762	12	.	.	PUNCT
fsr-3530	763	1	*	*	PUNCT
fsr-3530	763	2	,	,	PUNCT
fsr-3530	763	3	*	*	PUNCT
fsr-3530	763	4	*	*	PUNCT
fsr-3530	763	5	,	,	PUNCT
fsr-3530	763	6	*	*	PUNCT
fsr-3530	764	1	*	*	PUNCT
fsr-3530	764	2	*	*	PUNCT
fsr-3530	764	3	in	in	ADP
fsr-3530	764	4	d	d	X
fsr-3530	764	5	ic	ic	PROPN
fsr-3530	764	6	at	at	ADP
fsr-3530	764	7	es	es	X
fsr-3530	764	8	si	si	PROPN
fsr-3530	764	9	g	g	PROPN
fsr-3530	764	10	n	n	PROPN
fsr-3530	764	11	ifi	ifi	PROPN
fsr-3530	764	12	ca	ca	PROPN
fsr-3530	764	13	n	n	ADV
fsr-3530	764	14	ce	ce	PROPN
fsr-3530	764	15	at	at	ADP
fsr-3530	764	16	th	th	X
fsr-3530	764	17	e	e	X
fsr-3530	764	18	1	1	NUM
fsr-3530	764	19	0	0	NUM
fsr-3530	764	20	%	%	NOUN
fsr-3530	764	21	,	,	PUNCT
fsr-3530	764	22	5	5	NUM
fsr-3530	764	23	%	%	NOUN
fsr-3530	764	24	,	,	PUNCT
fsr-3530	765	1	o	o	NOUN
fsr-3530	765	2	r	r	NOUN
fsr-3530	765	3	1	1	NUM
fsr-3530	765	4	%	%	NOUN
fsr-3530	765	5	le	le	X
fsr-3530	765	6	v	v	PROPN
fsr-3530	765	7	el	el	PROPN
fsr-3530	765	8	.	.	PUNCT
fsr-3530	766	1	b.	b.	PROPN
fsr-3530	766	2	j.	j.	PROPN
fsr-3530	766	3	davis	davis	PROPN
fsr-3530	766	4	et	et	PROPN
fsr-3530	766	5	al	al	PROPN
fsr-3530	766	6	.	.	PUNCT
fsr-3530	766	7	/	/	SYM
fsr-3530	766	8	financial	financial	ADJ
fsr-3530	766	9	services	service	NOUN
fsr-3530	766	10	review	review	VERB
fsr-3530	766	11	31	31	NUM
fsr-3530	766	12	(	(	PUNCT
fsr-3530	766	13	2023	2023	NUM
fsr-3530	766	14	)	)	PUNCT
fsr-3530	766	15	133–150	133–150	NUM
fsr-3530	766	16	145	145	NUM
fsr-3530	766	17	home	home	NOUN
fsr-3530	766	18	ownership	ownership	NOUN
fsr-3530	766	19	characteristics	characteristic	NOUN
fsr-3530	766	20	,	,	PUNCT
fsr-3530	766	21	and	and	CCONJ
fsr-3530	766	22	model	model	NOUN
fsr-3530	766	23	5	5	NUM
fsr-3530	766	24	uses	use	VERB
fsr-3530	766	25	the	the	DET
fsr-3530	766	26	relative	relative	ADJ
fsr-3530	766	27	finiq	finiq	ADJ
fsr-3530	766	28	measure	measure	NOUN
fsr-3530	766	29	on	on	ADP
fsr-3530	766	30	the	the	DET
fsr-3530	766	31	full	full	ADJ
fsr-3530	766	32	specification	specification	NOUN
fsr-3530	766	33	instead	instead	ADV
fsr-3530	766	34	of	of	ADP
fsr-3530	766	35	quiz	quiz	NOUN
fsr-3530	766	36	score	score	NOUN
fsr-3530	766	37	and	and	CCONJ
fsr-3530	766	38	self	self	NOUN
fsr-3530	766	39	-	-	PUNCT
fsr-3530	766	40	assessed	assess	VERB
fsr-3530	766	41	financial	financial	ADJ
fsr-3530	766	42	iq	iq	NOUN
fsr-3530	766	43	.	.	PUNCT
fsr-3530	767	1	beginning	begin	VERB
fsr-3530	767	2	with	with	ADP
fsr-3530	767	3	model	model	NOUN
fsr-3530	767	4	1	1	NUM
fsr-3530	767	5	,	,	PUNCT
fsr-3530	767	6	younger	young	ADJ
fsr-3530	767	7	students	student	NOUN
fsr-3530	767	8	are	be	AUX
fsr-3530	767	9	significantly	significantly	ADV
fsr-3530	767	10	more	more	ADV
fsr-3530	767	11	likely	likely	ADJ
fsr-3530	767	12	to	to	PART
fsr-3530	767	13	signal	signal	VERB
fsr-3530	767	14	interest	interest	NOUN
fsr-3530	767	15	,	,	PUNCT
fsr-3530	767	16	but	but	CCONJ
fsr-3530	767	17	this	this	PRON
fsr-3530	767	18	is	be	AUX
fsr-3530	767	19	not	not	PART
fsr-3530	767	20	robust	robust	ADJ
fsr-3530	767	21	in	in	ADP
fsr-3530	767	22	later	late	ADJ
fsr-3530	767	23	specifications	specification	NOUN
fsr-3530	767	24	.	.	PUNCT
fsr-3530	768	1	professional	professional	ADJ
fsr-3530	768	2	students	student	NOUN
fsr-3530	768	3	are	be	AUX
fsr-3530	768	4	significantly	significantly	ADV
fsr-3530	768	5	more	more	ADV
fsr-3530	768	6	likely	likely	ADJ
fsr-3530	768	7	to	to	PART
fsr-3530	768	8	signal	signal	VERB
fsr-3530	768	9	interest	interest	NOUN
fsr-3530	768	10	;	;	PUNCT
fsr-3530	768	11	however	however	ADV
fsr-3530	768	12	,	,	PUNCT
fsr-3530	768	13	this	this	PRON
fsr-3530	768	14	is	be	AUX
fsr-3530	768	15	only	only	ADV
fsr-3530	768	16	significant	significant	ADJ
fsr-3530	768	17	at	at	ADP
fsr-3530	768	18	the	the	DET
fsr-3530	768	19	10	10	NUM
fsr-3530	768	20	%	%	NOUN
fsr-3530	768	21	level	level	NOUN
fsr-3530	768	22	when	when	SCONJ
fsr-3530	768	23	controlling	control	VERB
fsr-3530	768	24	for	for	ADP
fsr-3530	768	25	debt	debt	NOUN
fsr-3530	768	26	characteristics	characteristic	NOUN
fsr-3530	768	27	.	.	PUNCT
fsr-3530	769	1	we	we	PRON
fsr-3530	769	2	find	find	VERB
fsr-3530	769	3	no	no	DET
fsr-3530	769	4	significant	significant	ADJ
fsr-3530	769	5	correlation	correlation	NOUN
fsr-3530	769	6	for	for	ADP
fsr-3530	769	7	business	business	NOUN
fsr-3530	769	8	students.13	students.13	PROPN
fsr-3530	769	9	in	in	ADP
fsr-3530	769	10	all	all	DET
fsr-3530	769	11	specifications	specification	NOUN
fsr-3530	769	12	,	,	PUNCT
fsr-3530	769	13	financial	financial	ADJ
fsr-3530	769	14	literacy	literacy	NOUN
fsr-3530	769	15	quiz	quiz	NOUN
fsr-3530	769	16	scores	score	NOUN
fsr-3530	769	17	and	and	CCONJ
fsr-3530	769	18	self	self	NOUN
fsr-3530	769	19	-	-	PUNCT
fsr-3530	769	20	assessed	assess	VERB
fsr-3530	769	21	financial	financial	ADJ
fsr-3530	769	22	iq	iq	NOUN
fsr-3530	769	23	have	have	VERB
fsr-3530	769	24	large	large	ADJ
fsr-3530	769	25	significant	significant	ADJ
fsr-3530	769	26	effects	effect	NOUN
fsr-3530	769	27	on	on	ADP
fsr-3530	769	28	the	the	DET
fsr-3530	769	29	likelihood	likelihood	NOUN
fsr-3530	769	30	to	to	PART
fsr-3530	769	31	signal	signal	VERB
fsr-3530	769	32	interest	interest	NOUN
fsr-3530	769	33	.	.	PUNCT
fsr-3530	770	1	these	these	DET
fsr-3530	770	2	effects	effect	NOUN
fsr-3530	770	3	pull	pull	VERB
fsr-3530	770	4	in	in	ADP
fsr-3530	770	5	the	the	DET
fsr-3530	770	6	opposite	opposite	ADJ
fsr-3530	770	7	directions	direction	NOUN
fsr-3530	770	8	,	,	PUNCT
fsr-3530	770	9	as	as	SCONJ
fsr-3530	770	10	discussed	discuss	VERB
fsr-3530	770	11	in	in	ADP
fsr-3530	770	12	section	section	NOUN
fsr-3530	770	13	3.2	3.2	NUM
fsr-3530	770	14	.	.	PUNCT
fsr-3530	770	15	,	,	PUNCT
fsr-3530	770	16	with	with	ADP
fsr-3530	770	17	predicted	predict	VERB
fsr-3530	770	18	interest	interest	NOUN
fsr-3530	770	19	increasing	increase	VERB
fsr-3530	770	20	in	in	ADP
fsr-3530	770	21	quiz	quiz	NOUN
fsr-3530	770	22	score	score	NOUN
fsr-3530	770	23	but	but	CCONJ
fsr-3530	770	24	decreasing	decrease	VERB
fsr-3530	770	25	in	in	ADP
fsr-3530	770	26	the	the	DET
fsr-3530	770	27	self	self	NOUN
fsr-3530	770	28	-	-	PUNCT
fsr-3530	770	29	assessed	assess	VERB
fsr-3530	770	30	measure	measure	NOUN
fsr-3530	770	31	.	.	PUNCT
fsr-3530	771	1	an	an	DET
fsr-3530	771	2	additional	additional	ADJ
fsr-3530	771	3	question	question	NOUN
fsr-3530	771	4	answered	answer	VERB
fsr-3530	771	5	correctly	correctly	ADV
fsr-3530	771	6	on	on	ADP
fsr-3530	771	7	the	the	DET
fsr-3530	771	8	quiz	quiz	NOUN
fsr-3530	771	9	score	score	NOUN
fsr-3530	771	10	increases	increase	VERB
fsr-3530	771	11	the	the	DET
fsr-3530	771	12	estimated	estimate	VERB
fsr-3530	771	13	likelihood	likelihood	NOUN
fsr-3530	771	14	to	to	PART
fsr-3530	771	15	indicate	indicate	VERB
fsr-3530	771	16	interest	interest	NOUN
fsr-3530	771	17	by	by	ADP
fsr-3530	771	18	4	4	NUM
fsr-3530	771	19	%	%	NOUN
fsr-3530	771	20	,	,	PUNCT
fsr-3530	771	21	while	while	SCONJ
fsr-3530	771	22	a	a	DET
fsr-3530	771	23	one	one	NUM
fsr-3530	771	24	unit	unit	NOUN
fsr-3530	771	25	increase	increase	NOUN
fsr-3530	771	26	in	in	ADP
fsr-3530	771	27	the	the	DET
fsr-3530	771	28	self	self	NOUN
fsr-3530	771	29	-	-	PUNCT
fsr-3530	771	30	assessed	assess	VERB
fsr-3530	771	31	measure	measure	NOUN
fsr-3530	771	32	decreases	decrease	VERB
fsr-3530	771	33	the	the	DET
fsr-3530	771	34	likelihood	likelihood	NOUN
fsr-3530	771	35	by	by	ADP
fsr-3530	771	36	5	5	NUM
fsr-3530	771	37	%	%	NOUN
fsr-3530	771	38	.	.	PUNCT
fsr-3530	772	1	the	the	DET
fsr-3530	772	2	personal	personal	ADJ
fsr-3530	772	3	finance	finance	NOUN
fsr-3530	772	4	degree	degree	NOUN
fsr-3530	772	5	of	of	ADP
fsr-3530	772	6	concern	concern	ADJ
fsr-3530	772	7	composite	composite	ADJ
fsr-3530	772	8	measure	measure	NOUN
fsr-3530	772	9	is	be	AUX
fsr-3530	772	10	significantly	significantly	ADV
fsr-3530	772	11	and	and	CCONJ
fsr-3530	772	12	positively	positively	ADV
fsr-3530	772	13	related	relate	VERB
fsr-3530	772	14	to	to	ADP
fsr-3530	772	15	indicating	indicate	VERB
fsr-3530	772	16	interest	interest	NOUN
fsr-3530	772	17	,	,	PUNCT
fsr-3530	772	18	following	follow	VERB
fsr-3530	772	19	our	our	PRON
fsr-3530	772	20	hypothesis	hypothesis	NOUN
fsr-3530	772	21	.	.	PUNCT
fsr-3530	773	1	in	in	ADP
fsr-3530	773	2	model	model	NOUN
fsr-3530	773	3	5	5	NUM
fsr-3530	773	4	,	,	PUNCT
fsr-3530	773	5	we	we	PRON
fsr-3530	773	6	use	use	VERB
fsr-3530	773	7	relative	relative	ADJ
fsr-3530	773	8	finiq	finiq	ADJ
fsr-3530	773	9	as	as	ADP
fsr-3530	773	10	a	a	DET
fsr-3530	773	11	regressor	regressor	NOUN
fsr-3530	773	12	,	,	PUNCT
fsr-3530	773	13	instead	instead	ADV
fsr-3530	773	14	of	of	ADP
fsr-3530	773	15	quiz	quiz	NOUN
fsr-3530	773	16	score	score	NOUN
fsr-3530	773	17	and	and	CCONJ
fsr-3530	773	18	the	the	DET
fsr-3530	773	19	self	self	NOUN
fsr-3530	773	20	-	-	PUNCT
fsr-3530	773	21	assess	assess	NOUN
fsr-3530	773	22	measure	measure	NOUN
fsr-3530	773	23	;	;	PUNCT
fsr-3530	773	24	and	and	CCONJ
fsr-3530	773	25	find	find	VERB
fsr-3530	773	26	estimated	estimate	VERB
fsr-3530	773	27	interest	interest	NOUN
fsr-3530	773	28	significantly	significantly	ADV
fsr-3530	773	29	increases	increase	VERB
fsr-3530	773	30	(	(	PUNCT
fsr-3530	773	31	decreases	decrease	NOUN
fsr-3530	773	32	)	)	PUNCT
fsr-3530	773	33	as	as	ADP
fsr-3530	773	34	underconfidence	underconfidence	NOUN
fsr-3530	773	35	(	(	PUNCT
fsr-3530	773	36	overconfidence	overconfidence	NOUN
fsr-3530	773	37	)	)	PUNCT
fsr-3530	773	38	increases	increase	NOUN
fsr-3530	773	39	.	.	PUNCT
fsr-3530	774	1	adding	add	VERB
fsr-3530	774	2	individual	individual	ADJ
fsr-3530	774	3	asset	asset	NOUN
fsr-3530	774	4	and	and	CCONJ
fsr-3530	774	5	banking	banking	NOUN
fsr-3530	774	6	in	in	ADP
fsr-3530	774	7	model	model	NOUN
fsr-3530	774	8	2	2	NUM
fsr-3530	774	9	has	have	VERB
fsr-3530	774	10	no	no	DET
fsr-3530	774	11	significant	significant	ADJ
fsr-3530	774	12	impact	impact	NOUN
fsr-3530	774	13	.	.	PUNCT
fsr-3530	775	1	model	model	NOUN
fsr-3530	775	2	3	3	NUM
fsr-3530	775	3	includes	include	VERB
fsr-3530	775	4	student	student	NOUN
fsr-3530	775	5	loan	loan	NOUN
fsr-3530	775	6	debt	debt	NOUN
fsr-3530	775	7	as	as	ADP
fsr-3530	775	8	a	a	DET
fsr-3530	775	9	categorical	categorical	ADJ
fsr-3530	775	10	variable	variable	NOUN
fsr-3530	775	11	(	(	PUNCT
fsr-3530	775	12	with	with	ADP
fsr-3530	775	13	no	no	DET
fsr-3530	775	14	student	student	NOUN
fsr-3530	775	15	loan	loan	NOUN
fsr-3530	775	16	debt	debt	NOUN
fsr-3530	775	17	as	as	ADP
fsr-3530	775	18	the	the	DET
fsr-3530	775	19	baseline	baseline	NOUN
fsr-3530	775	20	)	)	PUNCT
fsr-3530	775	21	.	.	PUNCT
fsr-3530	776	1	undergraduate	undergraduate	NOUN
fsr-3530	776	2	student	student	NOUN
fsr-3530	776	3	loan	loan	NOUN
fsr-3530	776	4	debt	debt	NOUN
fsr-3530	776	5	has	have	VERB
fsr-3530	776	6	a	a	DET
fsr-3530	776	7	significant	significant	ADJ
fsr-3530	776	8	impact	impact	NOUN
fsr-3530	776	9	on	on	ADP
fsr-3530	776	10	the	the	DET
fsr-3530	776	11	likelihood	likelihood	NOUN
fsr-3530	776	12	to	to	PART
fsr-3530	776	13	be	be	AUX
fsr-3530	776	14	interested	interested	ADJ
fsr-3530	776	15	in	in	ADP
fsr-3530	776	16	financial	financial	ADJ
fsr-3530	776	17	education	education	NOUN
fsr-3530	776	18	,	,	PUNCT
fsr-3530	776	19	compared	compare	VERB
fsr-3530	776	20	to	to	ADP
fsr-3530	776	21	those	those	PRON
fsr-3530	776	22	without	without	ADP
fsr-3530	776	23	student	student	NOUN
fsr-3530	776	24	loan	loan	NOUN
fsr-3530	776	25	debt	debt	NOUN
fsr-3530	776	26	.	.	PUNCT
fsr-3530	777	1	although	although	SCONJ
fsr-3530	777	2	we	we	PRON
fsr-3530	777	3	do	do	AUX
fsr-3530	777	4	not	not	PART
fsr-3530	777	5	find	find	VERB
fsr-3530	777	6	a	a	DET
fsr-3530	777	7	(	(	PUNCT
fsr-3530	777	8	robust	robust	ADJ
fsr-3530	777	9	)	)	PUNCT
fsr-3530	777	10	significant	significant	ADJ
fsr-3530	777	11	effect	effect	NOUN
fsr-3530	777	12	for	for	ADP
fsr-3530	777	13	either	either	CCONJ
fsr-3530	777	14	graduate	graduate	ADJ
fsr-3530	777	15	debt	debt	NOUN
fsr-3530	777	16	only	only	ADV
fsr-3530	777	17	or	or	CCONJ
fsr-3530	777	18	both	both	PRON
fsr-3530	777	19	debt	debt	NOUN
fsr-3530	777	20	from	from	ADP
fsr-3530	777	21	undergraduate	undergraduate	NOUN
fsr-3530	777	22	and	and	CCONJ
fsr-3530	777	23	graduate	graduate	NOUN
fsr-3530	777	24	school	school	NOUN
fsr-3530	777	25	,	,	PUNCT
fsr-3530	777	26	the	the	DET
fsr-3530	777	27	coefficient	coefficient	NOUN
fsr-3530	777	28	is	be	AUX
fsr-3530	777	29	positive	positive	ADJ
fsr-3530	777	30	—	—	PUNCT
fsr-3530	777	31	in	in	ADP
fsr-3530	777	32	the	the	DET
fsr-3530	777	33	hypothesized	hypothesized	ADJ
fsr-3530	777	34	direction	direction	NOUN
fsr-3530	777	35	.	.	PUNCT
fsr-3530	778	1	debt	debt	NOUN
fsr-3530	778	2	management	management	NOUN
fsr-3530	778	3	is	be	AUX
fsr-3530	778	4	likely	likely	ADJ
fsr-3530	778	5	to	to	PART
fsr-3530	778	6	become	become	VERB
fsr-3530	778	7	a	a	DET
fsr-3530	778	8	larger	large	ADJ
fsr-3530	778	9	concern	concern	NOUN
fsr-3530	778	10	for	for	ADP
fsr-3530	778	11	graduate	graduate	ADJ
fsr-3530	778	12	students	student	NOUN
fsr-3530	778	13	in	in	ADP
fsr-3530	778	14	the	the	DET
fsr-3530	778	15	accumulation	accumulation	NOUN
fsr-3530	778	16	phase	phase	NOUN
fsr-3530	778	17	of	of	ADP
fsr-3530	778	18	their	their	PRON
fsr-3530	778	19	lifecycle	lifecycle	NOUN
fsr-3530	778	20	,	,	PUNCT
fsr-3530	778	21	especially	especially	ADV
fsr-3530	778	22	since	since	SCONJ
fsr-3530	778	23	this	this	DET
fsr-3530	778	24	group	group	NOUN
fsr-3530	778	25	delays	delay	VERB
fsr-3530	778	26	employment	employment	NOUN
fsr-3530	778	27	income	income	NOUN
fsr-3530	778	28	,	,	PUNCT
fsr-3530	778	29	savings	saving	NOUN
fsr-3530	778	30	,	,	PUNCT
fsr-3530	778	31	and	and	CCONJ
fsr-3530	778	32	loan	loan	NOUN
fsr-3530	778	33	repayment	repayment	NOUN
fsr-3530	778	34	before	before	ADV
fsr-3530	778	35	(	(	PUNCT
fsr-3530	778	36	re)entering	re)entere	VERB
fsr-3530	778	37	the	the	DET
fsr-3530	778	38	labor	labor	NOUN
fsr-3530	778	39	force	force	NOUN
fsr-3530	778	40	,	,	PUNCT
fsr-3530	778	41	albeit	albeit	SCONJ
fsr-3530	778	42	at	at	ADP
fsr-3530	778	43	an	an	DET
fsr-3530	778	44	expected	expect	VERB
fsr-3530	778	45	relatively	relatively	ADV
fsr-3530	778	46	higher	high	ADJ
fsr-3530	778	47	salary	salary	NOUN
fsr-3530	778	48	.	.	PUNCT
fsr-3530	779	1	credit	credit	NOUN
fsr-3530	779	2	card	card	NOUN
fsr-3530	779	3	debt	debt	NOUN
fsr-3530	779	4	was	be	AUX
fsr-3530	779	5	not	not	PART
fsr-3530	779	6	a	a	DET
fsr-3530	779	7	significant	significant	ADJ
fsr-3530	779	8	correlate	correlate	NOUN
fsr-3530	779	9	.	.	PUNCT
fsr-3530	780	1	this	this	PRON
fsr-3530	780	2	may	may	AUX
fsr-3530	780	3	be	be	AUX
fsr-3530	780	4	of	of	ADP
fsr-3530	780	5	concern	concern	NOUN
fsr-3530	780	6	because	because	SCONJ
fsr-3530	780	7	some	some	DET
fsr-3530	780	8	students	student	NOUN
fsr-3530	780	9	may	may	AUX
fsr-3530	780	10	be	be	AUX
fsr-3530	780	11	using	use	VERB
fsr-3530	780	12	high	high	ADJ
fsr-3530	780	13	-	-	PUNCT
fsr-3530	780	14	cost	cost	NOUN
fsr-3530	780	15	debt	debt	NOUN
fsr-3530	780	16	to	to	PART
fsr-3530	780	17	finance	finance	VERB
fsr-3530	780	18	part	part	NOUN
fsr-3530	780	19	of	of	ADP
fsr-3530	780	20	their	their	PRON
fsr-3530	780	21	education	education	NOUN
fsr-3530	780	22	and	and	CCONJ
fsr-3530	780	23	this	this	DET
fsr-3530	780	24	group	group	NOUN
fsr-3530	780	25	would	would	AUX
fsr-3530	780	26	benefit	benefit	VERB
fsr-3530	780	27	from	from	ADP
fsr-3530	780	28	financial	financial	ADJ
fsr-3530	780	29	education	education	NOUN
fsr-3530	780	30	.	.	PUNCT
fsr-3530	781	1	when	when	SCONJ
fsr-3530	781	2	including	include	VERB
fsr-3530	781	3	home	home	NOUN
fsr-3530	781	4	ownership	ownership	NOUN
fsr-3530	781	5	characteristics	characteristic	NOUN
fsr-3530	781	6	in	in	ADP
fsr-3530	781	7	model	model	NOUN
fsr-3530	781	8	4	4	NUM
fsr-3530	781	9	we	we	PRON
fsr-3530	781	10	find	find	VERB
fsr-3530	781	11	those	those	PRON
fsr-3530	781	12	planning	plan	VERB
fsr-3530	781	13	to	to	PART
fsr-3530	781	14	purchase	purchase	VERB
fsr-3530	781	15	a	a	DET
fsr-3530	781	16	home	home	NOUN
fsr-3530	781	17	in	in	ADP
fsr-3530	781	18	the	the	DET
fsr-3530	781	19	next	next	ADJ
fsr-3530	781	20	ten	ten	NUM
fsr-3530	781	21	years	year	NOUN
fsr-3530	781	22	are	be	AUX
fsr-3530	781	23	significantly	significantly	ADV
fsr-3530	781	24	more	more	ADV
fsr-3530	781	25	likely	likely	ADJ
fsr-3530	781	26	to	to	PART
fsr-3530	781	27	signal	signal	VERB
fsr-3530	781	28	interest	interest	NOUN
fsr-3530	781	29	,	,	PUNCT
fsr-3530	781	30	following	follow	VERB
fsr-3530	781	31	our	our	PRON
fsr-3530	781	32	hypothesis	hypothesis	NOUN
fsr-3530	781	33	.	.	PUNCT
fsr-3530	782	1	4	4	X
fsr-3530	782	2	.	.	X
fsr-3530	782	3	discussion	discussion	NOUN
fsr-3530	782	4	this	this	DET
fsr-3530	782	5	paper	paper	NOUN
fsr-3530	782	6	examined	examine	VERB
fsr-3530	782	7	financial	financial	ADJ
fsr-3530	782	8	education	education	NOUN
fsr-3530	782	9	interest	interest	NOUN
fsr-3530	782	10	among	among	ADP
fsr-3530	782	11	graduate	graduate	ADJ
fsr-3530	782	12	students	student	NOUN
fsr-3530	782	13	in	in	ADP
fsr-3530	782	14	a	a	DET
fsr-3530	782	15	large	large	ADJ
fsr-3530	782	16	public	public	ADJ
fsr-3530	782	17	university	university	NOUN
fsr-3530	782	18	system	system	NOUN
fsr-3530	782	19	.	.	PUNCT
fsr-3530	783	1	we	we	PRON
fsr-3530	783	2	find	find	VERB
fsr-3530	783	3	a	a	DET
fsr-3530	783	4	strong	strong	ADJ
fsr-3530	783	5	positive	positive	ADJ
fsr-3530	783	6	and	and	CCONJ
fsr-3530	783	7	significant	significant	ADJ
fsr-3530	783	8	correlation	correlation	NOUN
fsr-3530	783	9	between	between	ADP
fsr-3530	783	10	underconfidence	underconfidence	NOUN
fsr-3530	783	11	(	(	PUNCT
fsr-3530	783	12	overconfidence	overconfidence	NOUN
fsr-3530	783	13	)	)	PUNCT
fsr-3530	783	14	in	in	ADP
fsr-3530	783	15	self	self	NOUN
fsr-3530	783	16	-	-	PUNCT
fsr-3530	783	17	measured	measure	VERB
fsr-3530	783	18	financial	financial	ADJ
fsr-3530	783	19	knowledge	knowledge	NOUN
fsr-3530	783	20	and	and	CCONJ
fsr-3530	783	21	(	(	PUNCT
fsr-3530	783	22	lack	lack	NOUN
fsr-3530	783	23	of	of	ADP
fsr-3530	783	24	)	)	PUNCT
fsr-3530	783	25	interest	interest	NOUN
fsr-3530	783	26	in	in	ADP
fsr-3530	783	27	financial	financial	ADJ
fsr-3530	783	28	education	education	NOUN
fsr-3530	783	29	programming	programming	NOUN
fsr-3530	783	30	.	.	PUNCT
fsr-3530	784	1	this	this	DET
fsr-3530	784	2	finding	finding	NOUN
fsr-3530	784	3	suggests	suggest	VERB
fsr-3530	784	4	the	the	DET
fsr-3530	784	5	need	need	NOUN
fsr-3530	784	6	for	for	ADP
fsr-3530	784	7	innovative	innovative	ADJ
fsr-3530	784	8	engagement	engagement	NOUN
fsr-3530	784	9	strategies	strategy	NOUN
fsr-3530	784	10	to	to	PART
fsr-3530	784	11	identify	identify	VERB
fsr-3530	784	12	and	and	CCONJ
fsr-3530	784	13	provide	provide	VERB
fsr-3530	784	14	programming	programming	NOUN
fsr-3530	784	15	to	to	ADP
fsr-3530	784	16	individuals	individual	NOUN
fsr-3530	784	17	who	who	PRON
fsr-3530	784	18	would	would	AUX
fsr-3530	784	19	benefit	benefit	VERB
fsr-3530	784	20	the	the	DET
fsr-3530	784	21	most	most	ADJ
fsr-3530	784	22	from	from	ADP
fsr-3530	784	23	improving	improve	VERB
fsr-3530	784	24	their	their	PRON
fsr-3530	784	25	financial	financial	ADJ
fsr-3530	784	26	literacy	literacy	NOUN
fsr-3530	784	27	.	.	PUNCT
fsr-3530	785	1	the	the	DET
fsr-3530	785	2	results	result	NOUN
fsr-3530	785	3	speak	speak	VERB
fsr-3530	785	4	to	to	ADP
fsr-3530	785	5	several	several	ADJ
fsr-3530	785	6	components	component	NOUN
fsr-3530	785	7	regarding	regard	VERB
fsr-3530	785	8	the	the	DET
fsr-3530	785	9	timing	timing	NOUN
fsr-3530	785	10	and	and	CCONJ
fsr-3530	785	11	delivery	delivery	NOUN
fsr-3530	785	12	of	of	ADP
fsr-3530	785	13	financial	financial	ADJ
fsr-3530	785	14	education	education	NOUN
fsr-3530	785	15	.	.	PUNCT
fsr-3530	786	1	the	the	DET
fsr-3530	786	2	first	first	ADJ
fsr-3530	786	3	is	be	AUX
fsr-3530	786	4	whether	whether	SCONJ
fsr-3530	786	5	the	the	DET
fsr-3530	786	6	timing	timing	NOUN
fsr-3530	786	7	is	be	AUX
fsr-3530	786	8	optimal	optimal	ADJ
fsr-3530	786	9	for	for	SCONJ
fsr-3530	786	10	graduate	graduate	ADJ
fsr-3530	786	11	students	student	NOUN
fsr-3530	786	12	to	to	PART
fsr-3530	786	13	engage	engage	VERB
fsr-3530	786	14	in	in	ADP
fsr-3530	786	15	improving	improve	VERB
fsr-3530	786	16	their	their	PRON
fsr-3530	786	17	financial	financial	ADJ
fsr-3530	786	18	literacy	literacy	NOUN
fsr-3530	786	19	.	.	PUNCT
fsr-3530	787	1	because	because	SCONJ
fsr-3530	787	2	many	many	ADJ
fsr-3530	787	3	graduate	graduate	NOUN
fsr-3530	787	4	students	student	NOUN
fsr-3530	787	5	are	be	AUX
fsr-3530	787	6	close	close	ADJ
fsr-3530	787	7	to	to	ADP
fsr-3530	787	8	(	(	PUNCT
fsr-3530	787	9	re)entering	re)entere	VERB
fsr-3530	787	10	146	146	NUM
fsr-3530	787	11	b.	b.	PROPN
fsr-3530	787	12	j.	j.	PROPN
fsr-3530	787	13	davis	davis	PROPN
fsr-3530	787	14	et	et	PROPN
fsr-3530	787	15	al	al	PROPN
fsr-3530	787	16	.	.	PUNCT
fsr-3530	787	17	/	/	SYM
fsr-3530	787	18	financial	financial	ADJ
fsr-3530	787	19	services	service	NOUN
fsr-3530	787	20	review	review	VERB
fsr-3530	787	21	31	31	NUM
fsr-3530	787	22	(	(	PUNCT
fsr-3530	787	23	2023	2023	NUM
fsr-3530	787	24	)	)	PUNCT
fsr-3530	788	1	133–150	133–150	NUM
fsr-3530	788	2	the	the	DET
fsr-3530	788	3	workforce	workforce	NOUN
fsr-3530	788	4	,	,	PUNCT
fsr-3530	788	5	they	they	PRON
fsr-3530	788	6	may	may	AUX
fsr-3530	788	7	be	be	AUX
fsr-3530	788	8	focused	focus	VERB
fsr-3530	788	9	on	on	ADP
fsr-3530	788	10	the	the	DET
fsr-3530	788	11	near	near	ADJ
fsr-3530	788	12	-	-	PUNCT
fsr-3530	788	13	term	term	NOUN
fsr-3530	788	14	issues	issue	NOUN
fsr-3530	788	15	of	of	ADP
fsr-3530	788	16	graduating	graduating	NOUN
fsr-3530	788	17	,	,	PUNCT
fsr-3530	788	18	finding	find	VERB
fsr-3530	788	19	a	a	DET
fsr-3530	788	20	job	job	NOUN
fsr-3530	788	21	,	,	PUNCT
fsr-3530	788	22	or	or	CCONJ
fsr-3530	788	23	moving	move	VERB
fsr-3530	788	24	.	.	PUNCT
fsr-3530	789	1	this	this	PRON
fsr-3530	789	2	can	can	AUX
fsr-3530	789	3	make	make	VERB
fsr-3530	789	4	them	they	PRON
fsr-3530	789	5	subject	subject	ADJ
fsr-3530	789	6	to	to	ADP
fsr-3530	789	7	present	present	ADJ
fsr-3530	789	8	bias	bias	NOUN
fsr-3530	789	9	through	through	ADP
fsr-3530	789	10	the	the	DET
fsr-3530	789	11	belief	belief	NOUN
fsr-3530	789	12	that	that	SCONJ
fsr-3530	789	13	they	they	PRON
fsr-3530	789	14	have	have	AUX
fsr-3530	789	15	scant	scant	ADJ
fsr-3530	789	16	time	time	NOUN
fsr-3530	789	17	to	to	PART
fsr-3530	789	18	devote	devote	VERB
fsr-3530	789	19	additional	additional	ADJ
fsr-3530	789	20	resources	resource	NOUN
fsr-3530	789	21	to	to	ADP
fsr-3530	789	22	improving	improve	VERB
fsr-3530	789	23	their	their	PRON
fsr-3530	789	24	long	long	ADJ
fsr-3530	789	25	-	-	PUNCT
fsr-3530	789	26	term	term	NOUN
fsr-3530	789	27	financial	financial	ADJ
fsr-3530	789	28	well	well	NOUN
fsr-3530	789	29	-	-	PUNCT
fsr-3530	789	30	being	being	NOUN
fsr-3530	789	31	.	.	PUNCT
fsr-3530	790	1	innovative	innovative	ADJ
fsr-3530	790	2	engagement	engagement	NOUN
fsr-3530	790	3	strategies	strategy	NOUN
fsr-3530	790	4	,	,	PUNCT
fsr-3530	790	5	such	such	DET
fsr-3530	790	6	a	a	DET
fsr-3530	790	7	providing	provide	VERB
fsr-3530	790	8	lunch	lunch	NOUN
fsr-3530	790	9	or	or	CCONJ
fsr-3530	790	10	tchotchkes	tchotchke	NOUN
fsr-3530	790	11	,	,	PUNCT
fsr-3530	790	12	may	may	AUX
fsr-3530	790	13	nudge	nudge	VERB
fsr-3530	790	14	active	active	ADJ
fsr-3530	790	15	participation	participation	NOUN
fsr-3530	790	16	in	in	ADP
fsr-3530	790	17	financial	financial	ADJ
fsr-3530	790	18	education	education	NOUN
fsr-3530	790	19	.	.	PUNCT
fsr-3530	791	1	however	however	ADV
fsr-3530	791	2	,	,	PUNCT
fsr-3530	791	3	we	we	PRON
fsr-3530	791	4	find	find	VERB
fsr-3530	791	5	these	these	DET
fsr-3530	791	6	nudges	nudge	NOUN
fsr-3530	791	7	did	do	AUX
fsr-3530	791	8	not	not	PART
fsr-3530	791	9	address	address	VERB
fsr-3530	791	10	to	to	ADP
fsr-3530	791	11	our	our	PRON
fsr-3530	791	12	main	main	ADJ
fsr-3530	791	13	finding	finding	NOUN
fsr-3530	791	14	that	that	SCONJ
fsr-3530	791	15	those	those	PRON
fsr-3530	791	16	confident	confident	ADJ
fsr-3530	791	17	in	in	ADP
fsr-3530	791	18	their	their	PRON
fsr-3530	791	19	financial	financial	ADJ
fsr-3530	791	20	knowledge	knowledge	NOUN
fsr-3530	791	21	but	but	CCONJ
fsr-3530	791	22	have	have	AUX
fsr-3530	791	23	low	low	ADJ
fsr-3530	791	24	financial	financial	ADJ
fsr-3530	791	25	literacy	literacy	NOUN
fsr-3530	791	26	are	be	AUX
fsr-3530	791	27	significantly	significantly	ADV
fsr-3530	791	28	less	less	ADV
fsr-3530	791	29	interested	interested	ADJ
fsr-3530	791	30	in	in	ADP
fsr-3530	791	31	financial	financial	ADJ
fsr-3530	791	32	education	education	NOUN
fsr-3530	791	33	.	.	PUNCT
fsr-3530	792	1	how	how	SCONJ
fsr-3530	792	2	should	should	AUX
fsr-3530	792	3	these	these	DET
fsr-3530	792	4	individuals	individual	NOUN
fsr-3530	792	5	be	be	AUX
fsr-3530	792	6	engaged	engage	VERB
fsr-3530	792	7	in	in	ADP
fsr-3530	792	8	financial	financial	ADJ
fsr-3530	792	9	education	education	NOUN
fsr-3530	792	10	?	?	PUNCT
fsr-3530	793	1	mandatory	mandatory	ADJ
fsr-3530	793	2	financial	financial	ADJ
fsr-3530	793	3	education	education	NOUN
fsr-3530	793	4	could	could	AUX
fsr-3530	793	5	be	be	AUX
fsr-3530	793	6	one	one	NUM
fsr-3530	793	7	response	response	NOUN
fsr-3530	793	8	,	,	PUNCT
fsr-3530	793	9	and	and	CCONJ
fsr-3530	793	10	many	many	ADJ
fsr-3530	793	11	states	state	NOUN
fsr-3530	793	12	have	have	AUX
fsr-3530	793	13	begun	begin	VERB
fsr-3530	793	14	to	to	PART
fsr-3530	793	15	institute	institute	VERB
fsr-3530	793	16	mandatory	mandatory	ADJ
fsr-3530	793	17	financial	financial	ADJ
fsr-3530	793	18	literacy	literacy	NOUN
fsr-3530	793	19	programs	program	NOUN
fsr-3530	793	20	in	in	ADP
fsr-3530	793	21	high	high	ADJ
fsr-3530	793	22	school	school	NOUN
fsr-3530	793	23	.	.	PUNCT
fsr-3530	794	1	stoddard	stoddard	NOUN
fsr-3530	794	2	and	and	CCONJ
fsr-3530	794	3	urban	urban	ADJ
fsr-3530	794	4	(	(	PUNCT
fsr-3530	794	5	2020	2020	NUM
fsr-3530	794	6	)	)	PUNCT
fsr-3530	794	7	,	,	PUNCT
fsr-3530	794	8	urban	urban	ADJ
fsr-3530	794	9	,	,	PUNCT
fsr-3530	794	10	schmeiser	schmeiser	ADJ
fsr-3530	794	11	,	,	PUNCT
fsr-3530	794	12	collins	collin	NOUN
fsr-3530	794	13	,	,	PUNCT
fsr-3530	794	14	and	and	CCONJ
fsr-3530	794	15	brown	brown	ADJ
fsr-3530	794	16	(	(	PUNCT
fsr-3530	794	17	2018	2018	NUM
fsr-3530	794	18	)	)	PUNCT
fsr-3530	794	19	,	,	PUNCT
fsr-3530	794	20	and	and	CCONJ
fsr-3530	794	21	collins	collins	PROPN
fsr-3530	794	22	(	(	PUNCT
fsr-3530	794	23	2013	2013	NUM
fsr-3530	794	24	)	)	PUNCT
fsr-3530	794	25	find	find	VERB
fsr-3530	794	26	some	some	DET
fsr-3530	794	27	benefits	benefit	NOUN
fsr-3530	794	28	to	to	ADP
fsr-3530	794	29	mandatory	mandatory	ADJ
fsr-3530	794	30	education	education	NOUN
fsr-3530	794	31	.	.	PUNCT
fsr-3530	795	1	however	however	ADV
fsr-3530	795	2	,	,	PUNCT
fsr-3530	795	3	there	there	PRON
fsr-3530	795	4	needs	need	VERB
fsr-3530	795	5	to	to	PART
fsr-3530	795	6	be	be	AUX
fsr-3530	795	7	further	further	ADJ
fsr-3530	795	8	research	research	NOUN
fsr-3530	795	9	in	in	ADP
fsr-3530	795	10	this	this	DET
fsr-3530	795	11	area	area	NOUN
fsr-3530	795	12	as	as	SCONJ
fsr-3530	795	13	there	there	PRON
fsr-3530	795	14	remain	remain	VERB
fsr-3530	795	15	many	many	ADJ
fsr-3530	795	16	open	open	ADJ
fsr-3530	795	17	questions	question	NOUN
fsr-3530	795	18	,	,	PUNCT
fsr-3530	795	19	including	include	VERB
fsr-3530	795	20	whether	whether	SCONJ
fsr-3530	795	21	the	the	DET
fsr-3530	795	22	education	education	NOUN
fsr-3530	795	23	benefits	benefit	NOUN
fsr-3530	795	24	persist	persist	VERB
fsr-3530	795	25	in	in	ADP
fsr-3530	795	26	later	later	ADJ
fsr-3530	795	27	life	life	NOUN
fsr-3530	795	28	,	,	PUNCT
fsr-3530	795	29	how	how	SCONJ
fsr-3530	795	30	such	such	ADJ
fsr-3530	795	31	programs	program	NOUN
fsr-3530	795	32	are	be	AUX
fsr-3530	795	33	implemented	implement	VERB
fsr-3530	795	34	,	,	PUNCT
fsr-3530	795	35	what	what	PRON
fsr-3530	795	36	is	be	AUX
fsr-3530	795	37	included	include	VERB
fsr-3530	795	38	in	in	ADP
fsr-3530	795	39	the	the	DET
fsr-3530	795	40	content	content	NOUN
fsr-3530	795	41	,	,	PUNCT
fsr-3530	795	42	and	and	CCONJ
fsr-3530	795	43	when	when	SCONJ
fsr-3530	795	44	in	in	ADP
fsr-3530	795	45	the	the	DET
fsr-3530	795	46	lifecycle	lifecycle	NOUN
fsr-3530	795	47	are	be	AUX
fsr-3530	795	48	they	they	PRON
fsr-3530	795	49	delivered	deliver	VERB
fsr-3530	795	50	,	,	PUNCT
fsr-3530	795	51	among	among	ADP
fsr-3530	795	52	others	other	NOUN
fsr-3530	795	53	.	.	PUNCT
fsr-3530	796	1	with	with	ADP
fsr-3530	796	2	most	most	ADJ
fsr-3530	796	3	programs	program	NOUN
fsr-3530	796	4	continuing	continue	VERB
fsr-3530	796	5	to	to	PART
fsr-3530	796	6	rely	rely	VERB
fsr-3530	796	7	on	on	ADP
fsr-3530	796	8	voluntary	voluntary	ADJ
fsr-3530	796	9	education	education	NOUN
fsr-3530	796	10	efforts	effort	NOUN
fsr-3530	796	11	,	,	PUNCT
fsr-3530	796	12	often	often	ADV
fsr-3530	796	13	offered	offer	VERB
fsr-3530	796	14	by	by	ADP
fsr-3530	796	15	employer	employer	NOUN
fsr-3530	796	16	benefit	benefit	NOUN
fsr-3530	796	17	programs	program	NOUN
fsr-3530	796	18	,	,	PUNCT
fsr-3530	796	19	designers	designer	NOUN
fsr-3530	796	20	and	and	CCONJ
fsr-3530	796	21	implementers	implementer	NOUN
fsr-3530	796	22	of	of	ADP
fsr-3530	796	23	financial	financial	ADJ
fsr-3530	796	24	education	education	NOUN
fsr-3530	796	25	will	will	AUX
fsr-3530	796	26	need	need	VERB
fsr-3530	796	27	to	to	PART
fsr-3530	796	28	consider	consider	VERB
fsr-3530	796	29	how	how	SCONJ
fsr-3530	796	30	to	to	PART
fsr-3530	796	31	attract	attract	VERB
fsr-3530	796	32	individuals	individual	NOUN
fsr-3530	796	33	overconfident	overconfident	ADJ
fsr-3530	796	34	in	in	ADP
fsr-3530	796	35	their	their	PRON
fsr-3530	796	36	knowledge	knowledge	NOUN
fsr-3530	796	37	of	of	ADP
fsr-3530	796	38	personal	personal	ADJ
fsr-3530	796	39	finances	finance	NOUN
fsr-3530	796	40	.	.	PUNCT
fsr-3530	797	1	notes	note	NOUN
fsr-3530	797	2	1	1	NUM
fsr-3530	797	3	for	for	ADP
fsr-3530	797	4	research	research	NOUN
fsr-3530	797	5	on	on	ADP
fsr-3530	797	6	financial	financial	ADJ
fsr-3530	797	7	literacy	literacy	NOUN
fsr-3530	797	8	see	see	VERB
fsr-3530	797	9	yakoboski	yakoboski	PROPN
fsr-3530	797	10	,	,	PUNCT
fsr-3530	797	11	lusardi	lusardi	NOUN
fsr-3530	797	12	,	,	PUNCT
fsr-3530	797	13	and	and	CCONJ
fsr-3530	797	14	hasler	hasler	NOUN
fsr-3530	797	15	(	(	PUNCT
fsr-3530	797	16	2019	2019	NUM
fsr-3530	797	17	)	)	PUNCT
fsr-3530	797	18	,	,	PUNCT
fsr-3530	797	19	clark	clark	NOUN
fsr-3530	797	20	,	,	PUNCT
fsr-3530	797	21	lusardi	lusardi	NOUN
fsr-3530	797	22	,	,	PUNCT
fsr-3530	797	23	and	and	CCONJ
fsr-3530	797	24	mitchell	mitchell	PROPN
fsr-3530	797	25	(	(	PUNCT
fsr-3530	797	26	2017	2017	NUM
fsr-3530	797	27	)	)	PUNCT
fsr-3530	797	28	,	,	PUNCT
fsr-3530	797	29	lusardi	lusardi	NOUN
fsr-3530	797	30	and	and	CCONJ
fsr-3530	797	31	mitchell	mitchell	PROPN
fsr-3530	797	32	(	(	PUNCT
fsr-3530	797	33	2014	2014	NUM
fsr-3530	797	34	)	)	PUNCT
fsr-3530	797	35	,	,	PUNCT
fsr-3530	797	36	lusardi	lusardi	PROPN
fsr-3530	797	37	,	,	PUNCT
fsr-3530	797	38	mitchell	mitchell	PROPN
fsr-3530	797	39	,	,	PUNCT
fsr-3530	797	40	and	and	CCONJ
fsr-3530	797	41	curto	curto	PROPN
fsr-3530	797	42	(	(	PUNCT
fsr-3530	797	43	2014	2014	NUM
fsr-3530	797	44	)	)	PUNCT
fsr-3530	797	45	,	,	PUNCT
fsr-3530	797	46	lusardi	lusardi	NOUN
fsr-3530	797	47	and	and	CCONJ
fsr-3530	797	48	mitchell	mitchell	PROPN
fsr-3530	797	49	(	(	PUNCT
fsr-3530	797	50	2011	2011	NUM
fsr-3530	797	51	)	)	PUNCT
fsr-3530	797	52	,	,	PUNCT
fsr-3530	797	53	among	among	ADP
fsr-3530	797	54	others	other	NOUN
fsr-3530	797	55	.	.	PUNCT
fsr-3530	798	1	for	for	ADP
fsr-3530	798	2	a	a	DET
fsr-3530	798	3	broader	broad	ADJ
fsr-3530	798	4	discussion	discussion	NOUN
fsr-3530	798	5	on	on	ADP
fsr-3530	798	6	financial	financial	ADJ
fsr-3530	798	7	literacy	literacy	NOUN
fsr-3530	798	8	,	,	PUNCT
fsr-3530	798	9	financial	financial	ADJ
fsr-3530	798	10	education	education	NOUN
fsr-3530	798	11	,	,	PUNCT
fsr-3530	798	12	and	and	CCONJ
fsr-3530	798	13	economic	economic	ADJ
fsr-3530	798	14	outcomes	outcome	NOUN
fsr-3530	798	15	see	see	VERB
fsr-3530	798	16	hastings	hastings	PROPN
fsr-3530	798	17	,	,	PUNCT
fsr-3530	798	18	madrian	madrian	NOUN
fsr-3530	798	19	,	,	PUNCT
fsr-3530	798	20	and	and	CCONJ
fsr-3530	798	21	skimmyhorn	skimmyhorn	NUM
fsr-3530	798	22	(	(	PUNCT
fsr-3530	798	23	2013	2013	NUM
fsr-3530	798	24	)	)	PUNCT
fsr-3530	798	25	.	.	PUNCT
fsr-3530	799	1	2	2	NUM
fsr-3530	799	2	bernheim	bernheim	NOUN
fsr-3530	799	3	and	and	CCONJ
fsr-3530	799	4	garrett	garrett	PROPN
fsr-3530	799	5	(	(	PUNCT
fsr-3530	799	6	2003	2003	NUM
fsr-3530	799	7	)	)	PUNCT
fsr-3530	799	8	,	,	PUNCT
fsr-3530	799	9	lusardi	lusardi	PROPN
fsr-3530	799	10	(	(	PUNCT
fsr-3530	799	11	2004	2004	NUM
fsr-3530	799	12	)	)	PUNCT
fsr-3530	799	13	,	,	PUNCT
fsr-3530	799	14	maki	maki	NOUN
fsr-3530	799	15	(	(	PUNCT
fsr-3530	799	16	2004	2004	NUM
fsr-3530	799	17	)	)	PUNCT
fsr-3530	799	18	,	,	PUNCT
fsr-3530	799	19	and	and	CCONJ
fsr-3530	799	20	bayer	bayer	NOUN
fsr-3530	799	21	,	,	PUNCT
fsr-3530	799	22	bernheim	bernheim	NOUN
fsr-3530	799	23	,	,	PUNCT
fsr-3530	799	24	and	and	CCONJ
fsr-3530	799	25	scholz	scholz	NOUN
fsr-3530	799	26	(	(	PUNCT
fsr-3530	799	27	2009	2009	NUM
fsr-3530	799	28	)	)	PUNCT
fsr-3530	799	29	have	have	AUX
fsr-3530	799	30	studied	study	VERB
fsr-3530	799	31	employer	employer	NOUN
fsr-3530	799	32	-	-	PUNCT
fsr-3530	799	33	sponsored	sponsor	VERB
fsr-3530	799	34	financial	financial	ADJ
fsr-3530	799	35	literacy	literacy	NOUN
fsr-3530	799	36	programs	program	NOUN
fsr-3530	799	37	and	and	CCONJ
fsr-3530	799	38	retirement	retirement	NOUN
fsr-3530	799	39	preparedness	preparedness	NOUN
fsr-3530	799	40	.	.	PUNCT
fsr-3530	800	1	other	other	ADJ
fsr-3530	800	2	studies	study	NOUN
fsr-3530	800	3	have	have	AUX
fsr-3530	800	4	found	find	VERB
fsr-3530	800	5	other	other	ADJ
fsr-3530	800	6	positive	positive	ADJ
fsr-3530	800	7	benefits	benefit	NOUN
fsr-3530	800	8	to	to	ADP
fsr-3530	800	9	financial	financial	ADJ
fsr-3530	800	10	education	education	NOUN
fsr-3530	800	11	programs	program	NOUN
fsr-3530	800	12	(	(	PUNCT
fsr-3530	800	13	i.e.	i.e.	X
fsr-3530	800	14	,	,	PUNCT
fsr-3530	800	15	clark	clark	PROPN
fsr-3530	800	16	et	et	PROPN
fsr-3530	800	17	al	al	PROPN
fsr-3530	800	18	.	.	PROPN
fsr-3530	800	19	,	,	PUNCT
fsr-3530	800	20	2006	2006	NUM
fsr-3530	800	21	;	;	PUNCT
fsr-3530	800	22	skimmyhorn	skimmyhorn	PROPN
fsr-3530	800	23	et	et	PROPN
fsr-3530	800	24	al	al	PROPN
fsr-3530	800	25	.	.	PROPN
fsr-3530	800	26	,	,	PUNCT
fsr-3530	800	27	2016	2016	NUM
fsr-3530	800	28	;	;	PUNCT
fsr-3530	800	29	and	and	CCONJ
fsr-3530	800	30	seligman	seligman	NOUN
fsr-3530	800	31	and	and	CCONJ
fsr-3530	800	32	bose	bose	PROPN
fsr-3530	800	33	2012	2012	NUM
fsr-3530	800	34	)	)	PUNCT
fsr-3530	800	35	.	.	PUNCT
fsr-3530	801	1	3	3	NUM
fsr-3530	801	2	in	in	ADP
fsr-3530	801	3	the	the	DET
fsr-3530	801	4	previous	previous	ADJ
fsr-3530	801	5	year	year	NOUN
fsr-3530	801	6	,	,	PUNCT
fsr-3530	801	7	we	we	PRON
fsr-3530	801	8	piloted	pilot	VERB
fsr-3530	801	9	a	a	DET
fsr-3530	801	10	similar	similar	ADJ
fsr-3530	801	11	survey	survey	NOUN
fsr-3530	801	12	and	and	CCONJ
fsr-3530	801	13	education	education	NOUN
fsr-3530	801	14	to	to	ADP
fsr-3530	801	15	a	a	DET
fsr-3530	801	16	small	small	ADJ
fsr-3530	801	17	group	group	NOUN
fsr-3530	801	18	of	of	ADP
fsr-3530	801	19	students	student	NOUN
fsr-3530	801	20	.	.	PUNCT
fsr-3530	802	1	while	while	SCONJ
fsr-3530	802	2	the	the	DET
fsr-3530	802	3	test	test	NOUN
fsr-3530	802	4	group	group	NOUN
fsr-3530	802	5	gave	give	VERB
fsr-3530	802	6	good	good	ADJ
fsr-3530	802	7	feedback	feedback	NOUN
fsr-3530	802	8	and	and	CCONJ
fsr-3530	802	9	generally	generally	ADV
fsr-3530	802	10	positive	positive	ADJ
fsr-3530	802	11	reviews	review	NOUN
fsr-3530	802	12	,	,	PUNCT
fsr-3530	802	13	we	we	PRON
fsr-3530	802	14	adjusted	adjust	VERB
fsr-3530	802	15	both	both	CCONJ
fsr-3530	802	16	our	our	PRON
fsr-3530	802	17	materials	material	NOUN
fsr-3530	802	18	and	and	CCONJ
fsr-3530	802	19	engagement	engagement	NOUN
fsr-3530	802	20	strategy	strategy	NOUN
fsr-3530	802	21	to	to	PART
fsr-3530	802	22	improve	improve	VERB
fsr-3530	802	23	participation	participation	NOUN
fsr-3530	802	24	.	.	PUNCT
fsr-3530	803	1	4	4	NUM
fsr-3530	803	2	this	this	DET
fsr-3530	803	3	postcard	postcard	NOUN
fsr-3530	803	4	campaign	campaign	NOUN
fsr-3530	803	5	is	be	AUX
fsr-3530	803	6	consistent	consistent	ADJ
fsr-3530	803	7	with	with	ADP
fsr-3530	803	8	findings	finding	NOUN
fsr-3530	803	9	on	on	ADP
fsr-3530	803	10	the	the	DET
fsr-3530	803	11	positive	positive	ADJ
fsr-3530	803	12	value	value	NOUN
fsr-3530	803	13	of	of	ADP
fsr-3530	803	14	prompts	prompt	NOUN
fsr-3530	803	15	from	from	ADP
fsr-3530	803	16	dechausay	dechausay	PROPN
fsr-3530	803	17	,	,	PUNCT
fsr-3530	803	18	anzelone	anzelone	NOUN
fsr-3530	803	19	,	,	PUNCT
fsr-3530	803	20	and	and	CCONJ
fsr-3530	803	21	reardon	reardon	PROPN
fsr-3530	803	22	(	(	PUNCT
fsr-3530	803	23	2015	2015	NUM
fsr-3530	803	24	)	)	PUNCT
fsr-3530	803	25	.	.	PUNCT
fsr-3530	804	1	5	5	NUM
fsr-3530	804	2	the	the	DET
fsr-3530	804	3	ra	ra	PROPN
fsr-3530	804	4	had	have	AUX
fsr-3530	804	5	previously	previously	ADV
fsr-3530	804	6	served	serve	VERB
fsr-3530	804	7	as	as	ADP
fsr-3530	804	8	president	president	NOUN
fsr-3530	804	9	of	of	ADP
fsr-3530	804	10	the	the	DET
fsr-3530	804	11	graduate	graduate	PROPN
fsr-3530	804	12	student	student	NOUN
fsr-3530	804	13	council	council	NOUN
fsr-3530	804	14	and	and	CCONJ
fsr-3530	804	15	thus	thus	ADV
fsr-3530	804	16	was	be	AUX
fsr-3530	804	17	a	a	DET
fsr-3530	804	18	familiar	familiar	ADJ
fsr-3530	804	19	and	and	CCONJ
fsr-3530	804	20	respected	respected	ADJ
fsr-3530	804	21	source	source	NOUN
fsr-3530	804	22	of	of	ADP
fsr-3530	804	23	information	information	NOUN
fsr-3530	804	24	across	across	ADP
fsr-3530	804	25	the	the	DET
fsr-3530	804	26	body	body	NOUN
fsr-3530	804	27	of	of	ADP
fsr-3530	804	28	groups	group	NOUN
fsr-3530	804	29	we	we	PRON
fsr-3530	804	30	engaged	engage	VERB
fsr-3530	804	31	.	.	PUNCT
fsr-3530	805	1	6	6	NUM
fsr-3530	805	2	lusardi	lusardi	NOUN
fsr-3530	805	3	,	,	PUNCT
fsr-3530	805	4	mitchell	mitchell	PROPN
fsr-3530	805	5	,	,	PUNCT
fsr-3530	805	6	and	and	CCONJ
fsr-3530	805	7	curto	curto	PROPN
fsr-3530	805	8	(	(	PUNCT
fsr-3530	805	9	2014	2014	NUM
fsr-3530	805	10	)	)	PUNCT
fsr-3530	805	11	,	,	PUNCT
fsr-3530	805	12	schmeiser	schmeiser	NOUN
fsr-3530	805	13	and	and	CCONJ
fsr-3530	805	14	seligman	seligman	NOUN
fsr-3530	805	15	(	(	PUNCT
fsr-3530	805	16	2013	2013	NUM
fsr-3530	805	17	)	)	PUNCT
fsr-3530	805	18	,	,	PUNCT
fsr-3530	805	19	and	and	CCONJ
fsr-3530	805	20	knoll	knoll	NOUN
fsr-3530	805	21	and	and	CCONJ
fsr-3530	805	22	houts	hout	NOUN
fsr-3530	805	23	(	(	PUNCT
fsr-3530	805	24	2012	2012	NUM
fsr-3530	805	25	)	)	PUNCT
fsr-3530	805	26	have	have	AUX
fsr-3530	805	27	published	publish	VERB
fsr-3530	805	28	work	work	NOUN
fsr-3530	805	29	evaluating	evaluate	VERB
fsr-3530	805	30	questions	question	NOUN
fsr-3530	805	31	on	on	ADP
fsr-3530	805	32	measuring	measure	VERB
fsr-3530	805	33	financial	financial	ADJ
fsr-3530	805	34	literacy	literacy	NOUN
fsr-3530	805	35	using	use	VERB
fsr-3530	805	36	three	three	NUM
fsr-3530	805	37	independent	independent	ADJ
fsr-3530	805	38	methodologies	methodology	NOUN
fsr-3530	805	39	.	.	PUNCT
fsr-3530	806	1	we	we	PRON
fsr-3530	806	2	take	take	VERB
fsr-3530	806	3	our	our	PRON
fsr-3530	806	4	financial	financial	ADJ
fsr-3530	806	5	literacy	literacy	NOUN
fsr-3530	806	6	questions	question	NOUN
fsr-3530	806	7	from	from	ADP
fsr-3530	806	8	this	this	DET
fsr-3530	806	9	work	work	NOUN
fsr-3530	806	10	,	,	PUNCT
fsr-3530	806	11	and	and	CCONJ
fsr-3530	806	12	consultation	consultation	NOUN
fsr-3530	806	13	with	with	ADP
fsr-3530	806	14	financial	financial	ADJ
fsr-3530	806	15	counselors	counselor	NOUN
fsr-3530	806	16	,	,	PUNCT
fsr-3530	806	17	and	and	CCONJ
fsr-3530	806	18	use	use	VERB
fsr-3530	806	19	a	a	DET
fsr-3530	806	20	set	set	NOUN
fsr-3530	806	21	of	of	ADP
fsr-3530	806	22	12	12	NUM
fsr-3530	806	23	questions	question	NOUN
fsr-3530	806	24	from	from	ADP
fsr-3530	806	25	these	these	DET
fsr-3530	806	26	studies	study	NOUN
fsr-3530	806	27	.	.	PUNCT
fsr-3530	807	1	b.	b.	PROPN
fsr-3530	807	2	j.	j.	PROPN
fsr-3530	807	3	davis	davis	PROPN
fsr-3530	807	4	et	et	PROPN
fsr-3530	807	5	al	al	PROPN
fsr-3530	807	6	.	.	PUNCT
fsr-3530	807	7	/	/	SYM
fsr-3530	807	8	financial	financial	ADJ
fsr-3530	807	9	services	service	NOUN
fsr-3530	807	10	review	review	VERB
fsr-3530	807	11	31	31	NUM
fsr-3530	807	12	(	(	PUNCT
fsr-3530	807	13	2023	2023	NUM
fsr-3530	807	14	)	)	PUNCT
fsr-3530	808	1	133–150	133–150	NUM
fsr-3530	808	2	147	147	NUM
fsr-3530	808	3	7	7	NUM
fsr-3530	808	4	a	a	DET
fsr-3530	808	5	control	control	NOUN
fsr-3530	808	6	group	group	NOUN
fsr-3530	808	7	that	that	PRON
fsr-3530	808	8	was	be	AUX
fsr-3530	808	9	roughly	roughly	ADV
fsr-3530	808	10	one	one	NUM
fsr-3530	808	11	-	-	PUNCT
fsr-3530	808	12	third	third	NOUN
fsr-3530	808	13	of	of	ADP
fsr-3530	808	14	eligible	eligible	ADJ
fsr-3530	808	15	participants	participant	NOUN
fsr-3530	808	16	was	be	AUX
fsr-3530	808	17	not	not	PART
fsr-3530	808	18	invited	invite	VERB
fsr-3530	808	19	so	so	ADV
fsr-3530	808	20	as	as	SCONJ
fsr-3530	808	21	to	to	PART
fsr-3530	808	22	be	be	AUX
fsr-3530	808	23	able	able	ADJ
fsr-3530	808	24	to	to	PART
fsr-3530	808	25	carry	carry	VERB
fsr-3530	808	26	forward	forward	ADP
fsr-3530	808	27	with	with	ADP
fsr-3530	808	28	other	other	ADJ
fsr-3530	808	29	research	research	NOUN
fsr-3530	808	30	questions	question	NOUN
fsr-3530	808	31	.	.	PUNCT
fsr-3530	809	1	8	8	NUM
fsr-3530	809	2	we	we	PRON
fsr-3530	809	3	defined	define	VERB
fsr-3530	809	4	a	a	DET
fsr-3530	809	5	student	student	NOUN
fsr-3530	809	6	as	as	ADP
fsr-3530	809	7	being	be	AUX
fsr-3530	809	8	in	in	ADP
fsr-3530	809	9	a	a	DET
fsr-3530	809	10	quantitative	quantitative	ADJ
fsr-3530	809	11	field	field	NOUN
fsr-3530	809	12	if	if	SCONJ
fsr-3530	809	13	the	the	DET
fsr-3530	809	14	student	student	NOUN
fsr-3530	809	15	’s	’s	PART
fsr-3530	809	16	program	program	NOUN
fsr-3530	809	17	is	be	AUX
fsr-3530	809	18	in	in	ADP
fsr-3530	809	19	economics	economic	NOUN
fsr-3530	809	20	,	,	PUNCT
fsr-3530	809	21	business	business	NOUN
fsr-3530	809	22	,	,	PUNCT
fsr-3530	809	23	engineering	engineering	NOUN
fsr-3530	809	24	,	,	PUNCT
fsr-3530	809	25	statistics	statistic	NOUN
fsr-3530	809	26	,	,	PUNCT
fsr-3530	809	27	mathematics	mathematic	NOUN
fsr-3530	809	28	,	,	PUNCT
fsr-3530	809	29	physics	physics	NOUN
fsr-3530	809	30	,	,	PUNCT
fsr-3530	809	31	chemistry	chemistry	NOUN
fsr-3530	809	32	,	,	PUNCT
fsr-3530	809	33	or	or	CCONJ
fsr-3530	809	34	computer	computer	NOUN
fsr-3530	809	35	science	science	NOUN
fsr-3530	809	36	.	.	PUNCT
fsr-3530	810	1	9	9	NUM
fsr-3530	810	2	the	the	DET
fsr-3530	810	3	financial	financial	ADJ
fsr-3530	810	4	literacy	literacy	NOUN
fsr-3530	810	5	quiz	quiz	NOUN
fsr-3530	810	6	covered	cover	VERB
fsr-3530	810	7	questions	question	NOUN
fsr-3530	810	8	on	on	ADP
fsr-3530	810	9	interest	interest	NOUN
fsr-3530	810	10	,	,	PUNCT
fsr-3530	810	11	inflation	inflation	NOUN
fsr-3530	810	12	,	,	PUNCT
fsr-3530	810	13	and	and	CCONJ
fsr-3530	810	14	bond	bond	NOUN
fsr-3530	810	15	prices	price	NOUN
fsr-3530	810	16	.	.	PUNCT
fsr-3530	811	1	10	10	NUM
fsr-3530	811	2	we	we	PRON
fsr-3530	811	3	control	control	VERB
fsr-3530	811	4	for	for	ADP
fsr-3530	811	5	degree	degree	NOUN
fsr-3530	811	6	type	type	NOUN
fsr-3530	811	7	in	in	ADP
fsr-3530	811	8	our	our	PRON
fsr-3530	811	9	regression	regression	NOUN
fsr-3530	811	10	analysis	analysis	NOUN
fsr-3530	811	11	.	.	PUNCT
fsr-3530	812	1	11	11	NUM
fsr-3530	812	2	our	our	PRON
fsr-3530	812	3	relative	relative	ADJ
fsr-3530	812	4	measure	measure	NOUN
fsr-3530	812	5	can	can	AUX
fsr-3530	812	6	not	not	PART
fsr-3530	812	7	examine	examine	VERB
fsr-3530	812	8	whether	whether	SCONJ
fsr-3530	812	9	there	there	PRON
fsr-3530	812	10	are	be	VERB
fsr-3530	812	11	differences	difference	NOUN
fsr-3530	812	12	in	in	ADP
fsr-3530	812	13	student	student	NOUN
fsr-3530	812	14	interest	interest	NOUN
fsr-3530	812	15	across	across	ADP
fsr-3530	812	16	the	the	DET
fsr-3530	812	17	entire	entire	ADJ
fsr-3530	812	18	cross	cross	NOUN
fsr-3530	812	19	product	product	NOUN
fsr-3530	812	20	of	of	ADP
fsr-3530	812	21	the	the	DET
fsr-3530	812	22	financial	financial	ADJ
fsr-3530	812	23	literacy	literacy	NOUN
fsr-3530	812	24	score	score	NOUN
fsr-3530	812	25	and	and	CCONJ
fsr-3530	812	26	self	self	NOUN
fsr-3530	812	27	-	-	PUNCT
fsr-3530	812	28	assessed	assess	VERB
fsr-3530	812	29	financial	financial	ADJ
fsr-3530	812	30	iq	iq	NOUN
fsr-3530	812	31	measure	measure	NOUN
fsr-3530	812	32	.	.	PUNCT
fsr-3530	813	1	12	12	NUM
fsr-3530	813	2	the	the	DET
fsr-3530	813	3	overall	overall	ADJ
fsr-3530	813	4	model	model	NOUN
fsr-3530	813	5	is	be	AUX
fsr-3530	813	6	significant	significant	ADJ
fsr-3530	813	7	(	(	PUNCT
fsr-3530	813	8	p	p	X
fsr-3530	813	9	<	<	X
fsr-3530	813	10	.01	.01	NUM
fsr-3530	813	11	with	with	ADP
fsr-3530	813	12	a	a	DET
fsr-3530	813	13	x2	x2	PROPN
fsr-3530	813	14	test	test	NOUN
fsr-3530	813	15	)	)	PUNCT
fsr-3530	813	16	.	.	PUNCT
fsr-3530	814	1	moreover	moreover	ADV
fsr-3530	814	2	,	,	PUNCT
fsr-3530	814	3	the	the	DET
fsr-3530	814	4	predicted	predict	VERB
fsr-3530	814	5	probabilities	probability	NOUN
fsr-3530	814	6	for	for	ADP
fsr-3530	814	7	each	each	DET
fsr-3530	814	8	combination	combination	NOUN
fsr-3530	814	9	of	of	ADP
fsr-3530	814	10	finiq	finiq	ADJ
fsr-3530	814	11	and	and	CCONJ
fsr-3530	814	12	quiz	quiz	NOUN
fsr-3530	814	13	score	score	NOUN
fsr-3530	814	14	(	(	PUNCT
fsr-3530	814	15	91	91	NUM
fsr-3530	814	16	combinations	combination	NOUN
fsr-3530	814	17	)	)	PUNCT
fsr-3530	814	18	are	be	AUX
fsr-3530	814	19	all	all	ADV
fsr-3530	814	20	significant	significant	ADJ
fsr-3530	814	21	at	at	ADP
fsr-3530	814	22	the	the	DET
fsr-3530	814	23	5	5	NUM
fsr-3530	814	24	%	%	NOUN
fsr-3530	814	25	level	level	NOUN
fsr-3530	814	26	.	.	PUNCT
fsr-3530	815	1	13	13	NUM
fsr-3530	815	2	in	in	ADP
fsr-3530	815	3	separate	separate	ADJ
fsr-3530	815	4	regressions	regression	NOUN
fsr-3530	815	5	(	(	PUNCT
fsr-3530	815	6	not	not	PART
fsr-3530	815	7	shown	show	VERB
fsr-3530	815	8	)	)	PUNCT
fsr-3530	816	1	we	we	PRON
fsr-3530	816	2	controlled	control	VERB
fsr-3530	816	3	for	for	ADP
fsr-3530	816	4	degree	degree	NOUN
fsr-3530	816	5	type	type	NOUN
fsr-3530	816	6	and	and	CCONJ
fsr-3530	816	7	prior	prior	ADJ
fsr-3530	816	8	work	work	NOUN
fsr-3530	816	9	experience	experience	NOUN
fsr-3530	816	10	;	;	PUNCT
fsr-3530	816	11	there	there	PRON
fsr-3530	816	12	were	be	VERB
fsr-3530	816	13	no	no	DET
fsr-3530	816	14	significant	significant	ADJ
fsr-3530	816	15	differences	difference	NOUN
fsr-3530	816	16	.	.	PUNCT
fsr-3530	817	1	appendix	appendix	ADJ
fsr-3530	817	2	table	table	NOUN
fsr-3530	817	3	a1	a1	NOUN
fsr-3530	817	4	predicted	predict	VERB
fsr-3530	817	5	probabilities	probability	NOUN
fsr-3530	817	6	of	of	ADP
fsr-3530	817	7	indicating	indicate	VERB
fsr-3530	817	8	interest	interest	NOUN
fsr-3530	817	9	in	in	ADP
fsr-3530	817	10	financial	financial	ADJ
fsr-3530	817	11	education	education	NOUN
fsr-3530	817	12	by	by	ADP
fsr-3530	817	13	financial	financial	ADJ
fsr-3530	817	14	literacy	literacy	NOUN
fsr-3530	817	15	and	and	CCONJ
fsr-3530	817	16	selfassessed	selfassesse	VERB
fsr-3530	817	17	financial	financial	ADJ
fsr-3530	817	18	iq	iq	NOUN
fsr-3530	817	19	financial	financial	ADJ
fsr-3530	817	20	literacy	literacy	NOUN
fsr-3530	817	21	quiz	quiz	NOUN
fsr-3530	817	22	score	score	VERB
fsr-3530	817	23	self	self	NOUN
fsr-3530	817	24	-	-	PUNCT
fsr-3530	817	25	assessed	assess	VERB
fsr-3530	817	26	financial	financial	ADJ
fsr-3530	817	27	iq	iq	NOUN
fsr-3530	817	28	very	very	ADV
fsr-3530	817	29	low	low	ADJ
fsr-3530	817	30	1	1	NUM
fsr-3530	817	31	2	2	NUM
fsr-3530	817	32	3	3	NUM
fsr-3530	817	33	4	4	NUM
fsr-3530	817	34	5	5	NUM
fsr-3530	817	35	6	6	NUM
fsr-3530	817	36	very	very	ADV
fsr-3530	817	37	high	high	ADJ
fsr-3530	817	38	7	7	NUM
fsr-3530	817	39	0	0	NUM
fsr-3530	817	40	(	(	PUNCT
fsr-3530	817	41	0	0	NUM
fsr-3530	817	42	%	%	NOUN
fsr-3530	817	43	)	)	PUNCT
fsr-3530	817	44	11.1	11.1	NUM
fsr-3530	817	45	%	%	NOUN
fsr-3530	817	46	14.3	14.3	NUM
fsr-3530	817	47	%	%	NOUN
fsr-3530	817	48	13.7	13.7	NUM
fsr-3530	817	49	%	%	NOUN
fsr-3530	817	50	10.3	10.3	NUM
fsr-3530	817	51	%	%	NOUN
fsr-3530	817	52	10.5	10.5	NUM
fsr-3530	817	53	%	%	NOUN
fsr-3530	817	54	7.9	7.9	NUM
fsr-3530	817	55	%	%	NOUN
fsr-3530	817	56	5.9	5.9	NUM
fsr-3530	817	57	%	%	NOUN
fsr-3530	817	58	1	1	NUM
fsr-3530	817	59	30.6	30.6	NUM
fsr-3530	817	60	37.1	37.1	NUM
fsr-3530	817	61	35.9	35.9	NUM
fsr-3530	817	62	28.9	28.9	NUM
fsr-3530	817	63	29.3	29.3	NUM
fsr-3530	817	64	23.3	23.3	NUM
fsr-3530	817	65	18.2	18.2	NUM
fsr-3530	817	66	2	2	NUM
fsr-3530	817	67	33.6	33.6	NUM
fsr-3530	817	68	40.3	40.3	NUM
fsr-3530	817	69	39.1	39.1	NUM
fsr-3530	817	70	31.8	31.8	NUM
fsr-3530	817	71	32.2	32.2	NUM
fsr-3530	817	72	25.8	25.8	NUM
fsr-3530	817	73	20.3	20.3	NUM
fsr-3530	817	74	3	3	NUM
fsr-3530	817	75	35.8	35.8	NUM
fsr-3530	817	76	42.6	42.6	NUM
fsr-3530	817	77	41.4	41.4	NUM
fsr-3530	817	78	33.9	33.9	NUM
fsr-3530	817	79	34.4	34.4	NUM
fsr-3530	817	80	27.7	27.7	NUM
fsr-3530	817	81	21.9	21.9	NUM
fsr-3530	817	82	4	4	NUM
fsr-3530	817	83	52.3	52.3	NUM
fsr-3530	817	84	59.4	59.4	NUM
fsr-3530	817	85	58.1	58.1	NUM
fsr-3530	817	86	50.2	50.2	NUM
fsr-3530	817	87	50.7	50.7	NUM
fsr-3530	817	88	42.9	42.9	NUM
fsr-3530	817	89	35.6	35.6	NUM
fsr-3530	817	90	5	5	NUM
fsr-3530	817	91	61.1	61.1	NUM
fsr-3530	817	92	67.7	67.7	NUM
fsr-3530	817	93	66.6	66.6	NUM
fsr-3530	817	94	59.2	59.2	NUM
fsr-3530	817	95	59.7	59.7	NUM
fsr-3530	817	96	51.9	51.9	NUM
fsr-3530	817	97	44.3	44.3	NUM
fsr-3530	817	98	6	6	NUM
fsr-3530	817	99	(	(	PUNCT
fsr-3530	817	100	50	50	NUM
fsr-3530	817	101	%	%	NOUN
fsr-3530	817	102	)	)	PUNCT
fsr-3530	818	1	54.1	54.1	NUM
fsr-3530	818	2	61.2	61.2	NUM
fsr-3530	818	3	60.0	60.0	NUM
fsr-3530	818	4	52.1	52.1	NUM
fsr-3530	818	5	52.6	52.6	NUM
fsr-3530	818	6	44.8	44.8	NUM
fsr-3530	818	7	37.3	37.3	NUM
fsr-3530	818	8	7	7	NUM
fsr-3530	818	9	65.9	65.9	NUM
fsr-3530	818	10	72.1	72.1	NUM
fsr-3530	818	11	71.1	71.1	NUM
fsr-3530	818	12	64.1	64.1	NUM
fsr-3530	818	13	64.5	64.5	NUM
fsr-3530	818	14	57.1	57.1	NUM
fsr-3530	818	15	49.4	49.4	NUM
fsr-3530	818	16	8	8	NUM
fsr-3530	818	17	63.0	63.0	NUM
fsr-3530	818	18	69.4	69.4	NUM
fsr-3530	818	19	68.3	68.3	NUM
fsr-3530	818	20	61.1	61.1	NUM
fsr-3530	818	21	61.5	61.5	NUM
fsr-3530	818	22	53.9	53.9	NUM
fsr-3530	818	23	46.2	46.2	NUM
fsr-3530	818	24	9	9	NUM
fsr-3530	818	25	64.5	64.5	NUM
fsr-3530	818	26	70.8	70.8	NUM
fsr-3530	818	27	69.8	69.8	NUM
fsr-3530	818	28	62.7	62.7	NUM
fsr-3530	818	29	63.1	63.1	NUM
fsr-3530	818	30	55.6	55.6	NUM
fsr-3530	818	31	47.9	47.9	NUM
fsr-3530	818	32	10	10	NUM
fsr-3530	818	33	62.0	62.0	NUM
fsr-3530	818	34	68.6	68.6	NUM
fsr-3530	818	35	67.5	67.5	NUM
fsr-3530	818	36	60.1	60.1	NUM
fsr-3530	818	37	60.6	60.6	NUM
fsr-3530	818	38	52.9	52.9	NUM
fsr-3530	818	39	45.2	45.2	NUM
fsr-3530	818	40	11	11	NUM
fsr-3530	818	41	62.2	62.2	NUM
fsr-3530	818	42	68.7	68.7	NUM
fsr-3530	818	43	67.6	67.6	NUM
fsr-3530	818	44	60.2	60.2	NUM
fsr-3530	818	45	60.7	60.7	NUM
fsr-3530	818	46	53.0	53.0	NUM
fsr-3530	818	47	45.4	45.4	NUM
fsr-3530	818	48	12	12	NUM
fsr-3530	818	49	(	(	PUNCT
fsr-3530	818	50	100	100	NUM
fsr-3530	818	51	%	%	NOUN
fsr-3530	818	52	)	)	PUNCT
fsr-3530	818	53	62.3	62.3	NUM
fsr-3530	818	54	68.8	68.8	NUM
fsr-3530	818	55	67.7	67.7	NUM
fsr-3530	818	56	60.3	60.3	NUM
fsr-3530	818	57	60.8	60.8	NUM
fsr-3530	818	58	53.2	53.2	NUM
fsr-3530	818	59	45.5	45.5	NUM
fsr-3530	818	60	note	note	NOUN
fsr-3530	818	61	.	.	PUNCT
fsr-3530	819	1	predicted	predict	VERB
fsr-3530	819	2	probabilities	probability	NOUN
fsr-3530	819	3	from	from	ADP
fsr-3530	819	4	logit	logit	NOUN
fsr-3530	819	5	model	model	NOUN
fsr-3530	819	6	as	as	SCONJ
fsr-3530	819	7	described	describe	VERB
fsr-3530	819	8	in	in	ADP
fsr-3530	819	9	section	section	NOUN
fsr-3530	819	10	3.2	3.2	NUM
fsr-3530	819	11	,	,	PUNCT
fsr-3530	819	12	all	all	PRON
fsr-3530	819	13	are	be	AUX
fsr-3530	819	14	significant	significant	ADJ
fsr-3530	819	15	at	at	ADP
fsr-3530	819	16	the	the	DET
fsr-3530	819	17	5	5	NUM
fsr-3530	819	18	%	%	NOUN
fsr-3530	819	19	level	level	NOUN
fsr-3530	819	20	.	.	PUNCT
fsr-3530	820	1	148	148	NUM
fsr-3530	820	2	b.	b.	PROPN
fsr-3530	820	3	j.	j.	PROPN
fsr-3530	820	4	davis	davis	PROPN
fsr-3530	820	5	et	et	PROPN
fsr-3530	820	6	al	al	PROPN
fsr-3530	820	7	.	.	PUNCT
fsr-3530	820	8	/	/	SYM
fsr-3530	820	9	financial	financial	ADJ
fsr-3530	820	10	services	service	NOUN
fsr-3530	820	11	review	review	VERB
fsr-3530	820	12	31	31	NUM
fsr-3530	820	13	(	(	PUNCT
fsr-3530	820	14	2023	2023	NUM
fsr-3530	820	15	)	)	PUNCT
fsr-3530	820	16	133–150	133–150	NUM
fsr-3530	820	17	acknowledgments	acknowledgment	NOUN
fsr-3530	820	18	we	we	PRON
fsr-3530	820	19	thank	thank	VERB
fsr-3530	820	20	annamaria	annamaria	PROPN
fsr-3530	820	21	lusardi	lusardi	PROPN
fsr-3530	820	22	and	and	CCONJ
fsr-3530	820	23	carrie	carrie	NOUN
fsr-3530	820	24	houts	hout	NOUN
fsr-3530	820	25	for	for	ADP
fsr-3530	820	26	their	their	PRON
fsr-3530	820	27	comments	comment	NOUN
fsr-3530	820	28	on	on	ADP
fsr-3530	820	29	our	our	PRON
fsr-3530	820	30	financial	financial	ADJ
fsr-3530	820	31	literacy	literacy	NOUN
fsr-3530	820	32	survey	survey	NOUN
fsr-3530	820	33	.	.	PUNCT
fsr-3530	821	1	we	we	PRON
fsr-3530	821	2	thank	thank	VERB
fsr-3530	821	3	james	james	PROPN
fsr-3530	821	4	winbush	winbush	PROPN
fsr-3530	821	5	,	,	PUNCT
fsr-3530	821	6	dan	dan	PROPN
fsr-3530	821	7	rives	rives	PROPN
fsr-3530	821	8	,	,	PUNCT
fsr-3530	821	9	keatrick	keatrick	PROPN
fsr-3530	821	10	johnson	johnson	PROPN
fsr-3530	821	11	,	,	PUNCT
fsr-3530	821	12	and	and	CCONJ
fsr-3530	821	13	others	other	NOUN
fsr-3530	821	14	at	at	ADP
fsr-3530	821	15	indiana	indiana	PROPN
fsr-3530	821	16	university	university	PROPN
fsr-3530	821	17	for	for	ADP
fsr-3530	821	18	their	their	PRON
fsr-3530	821	19	engagement	engagement	NOUN
fsr-3530	821	20	and	and	CCONJ
fsr-3530	821	21	contributions	contribution	NOUN
fsr-3530	821	22	.	.	PUNCT
fsr-3530	822	1	we	we	PRON
fsr-3530	822	2	have	have	AUX
fsr-3530	822	3	benefited	benefit	VERB
fsr-3530	822	4	from	from	ADP
fsr-3530	822	5	the	the	DET
fsr-3530	822	6	capable	capable	ADJ
fsr-3530	822	7	research	research	NOUN
fsr-3530	822	8	assistance	assistance	NOUN
fsr-3530	822	9	of	of	ADP
fsr-3530	822	10	benjamin	benjamin	PROPN
fsr-3530	822	11	bissette	bissette	PROPN
fsr-3530	822	12	,	,	PUNCT
fsr-3530	822	13	katherine	katherine	PROPN
fsr-3530	822	14	jones	jones	PROPN
fsr-3530	822	15	,	,	PUNCT
fsr-3530	822	16	and	and	CCONJ
fsr-3530	822	17	lanita	lanita	PROPN
fsr-3530	822	18	rahjina	rahjina	PROPN
fsr-3530	822	19	.	.	PUNCT
fsr-3530	823	1	we	we	PRON
fsr-3530	823	2	acknowledge	acknowledge	VERB
fsr-3530	823	3	the	the	DET
fsr-3530	823	4	financial	financial	ADJ
fsr-3530	823	5	support	support	NOUN
fsr-3530	823	6	of	of	ADP
fsr-3530	823	7	indiana	indiana	PROPN
fsr-3530	823	8	university	university	PROPN
fsr-3530	823	9	in	in	ADP
fsr-3530	823	10	this	this	DET
fsr-3530	823	11	work	work	NOUN
fsr-3530	823	12	.	.	PUNCT
fsr-3530	824	1	any	any	DET
fsr-3530	824	2	errors	error	NOUN
fsr-3530	824	3	are	be	AUX
fsr-3530	824	4	our	our	PRON
fsr-3530	824	5	own	own	ADJ
fsr-3530	824	6	.	.	PUNCT
fsr-3530	825	1	the	the	DET
fsr-3530	825	2	views	view	NOUN
fsr-3530	825	3	are	be	AUX
fsr-3530	825	4	the	the	DET
fsr-3530	825	5	authors	author	NOUN
fsr-3530	825	6	’	'	PUNCT
fsr-3530	825	7	and	and	CCONJ
fsr-3530	825	8	do	do	AUX
fsr-3530	825	9	not	not	PART
fsr-3530	825	10	necessarily	necessarily	ADV
fsr-3530	825	11	represent	represent	VERB
fsr-3530	825	12	the	the	DET
fsr-3530	825	13	views	view	NOUN
fsr-3530	825	14	of	of	ADP
fsr-3530	825	15	the	the	DET
fsr-3530	825	16	tiaa	tiaa	NOUN
fsr-3530	825	17	,	,	PUNCT
fsr-3530	825	18	the	the	DET
fsr-3530	825	19	tiaa	tiaa	NOUN
fsr-3530	825	20	institute	institute	NOUN
fsr-3530	825	21	,	,	PUNCT
fsr-3530	825	22	or	or	CCONJ
fsr-3530	825	23	the	the	DET
fsr-3530	825	24	investment	investment	NOUN
fsr-3530	825	25	company	company	NOUN
fsr-3530	825	26	institute	institute	NOUN
fsr-3530	825	27	.	.	PUNCT
fsr-3530	826	1	references	reference	NOUN
fsr-3530	826	2	allgood	allgood	PROPN
fsr-3530	826	3	,	,	PUNCT
fsr-3530	826	4	s.	s.	PROPN
fsr-3530	826	5	,	,	PUNCT
fsr-3530	826	6	&	&	CCONJ
fsr-3530	826	7	walstad	walstad	PROPN
fsr-3530	826	8	,	,	PUNCT
fsr-3530	826	9	w.	w.	PROPN
fsr-3530	826	10	(	(	PUNCT
fsr-3530	826	11	2016	2016	NUM
fsr-3530	826	12	)	)	PUNCT
fsr-3530	826	13	.	.	PUNCT
fsr-3530	827	1	the	the	DET
fsr-3530	827	2	effects	effect	NOUN
fsr-3530	827	3	of	of	ADP
fsr-3530	827	4	perceive	perceive	ADJ
fsr-3530	827	5	and	and	CCONJ
fsr-3530	827	6	actual	actual	ADJ
fsr-3530	827	7	financial	financial	ADJ
fsr-3530	827	8	literacy	literacy	NOUN
fsr-3530	827	9	on	on	ADP
fsr-3530	827	10	financial	financial	ADJ
fsr-3530	827	11	behaviors	behavior	NOUN
fsr-3530	827	12	.	.	PUNCT
fsr-3530	828	1	economic	economic	ADJ
fsr-3530	828	2	inquiry	inquiry	NOUN
fsr-3530	828	3	,	,	PUNCT
fsr-3530	828	4	54	54	NUM
fsr-3530	828	5	,	,	PUNCT
fsr-3530	828	6	675–697	675–697	NUM
fsr-3530	828	7	.	.	PUNCT
fsr-3530	828	8	available	available	ADJ
fsr-3530	828	9	at	at	ADP
fsr-3530	828	10	:	:	PUNCT
fsr-3530	828	11	https://doi.org/10.1111/ecin.12255	https://doi.org/10.1111/ecin.12255	PROPN
fsr-3530	828	12	anderson	anderson	PROPN
fsr-3530	828	13	,	,	PUNCT
fsr-3530	828	14	a.	a.	PROPN
fsr-3530	828	15	,	,	PUNCT
fsr-3530	828	16	baker	baker	PROPN
fsr-3530	828	17	,	,	PUNCT
fsr-3530	828	18	f.	f.	PROPN
fsr-3530	828	19	,	,	PUNCT
fsr-3530	828	20	&	&	CCONJ
fsr-3530	828	21	robinson	robinson	PROPN
fsr-3530	828	22	,	,	PUNCT
fsr-3530	828	23	d.	d.	PROPN
fsr-3530	828	24	(	(	PUNCT
fsr-3530	828	25	2017	2017	NUM
fsr-3530	828	26	)	)	PUNCT
fsr-3530	828	27	.	.	PUNCT
fsr-3530	829	1	precautionary	precautionary	ADJ
fsr-3530	829	2	savings	saving	NOUN
fsr-3530	829	3	,	,	PUNCT
fsr-3530	829	4	retirement	retirement	NOUN
fsr-3530	829	5	planning	planning	NOUN
fsr-3530	829	6	and	and	CCONJ
fsr-3530	829	7	misperceptions	misperception	NOUN
fsr-3530	829	8	of	of	ADP
fsr-3530	829	9	financial	financial	ADJ
fsr-3530	829	10	literacy	literacy	NOUN
fsr-3530	829	11	.	.	PUNCT
fsr-3530	830	1	journal	journal	NOUN
fsr-3530	830	2	of	of	ADP
fsr-3530	830	3	financial	financial	ADJ
fsr-3530	830	4	economics	economic	NOUN
fsr-3530	830	5	,	,	PUNCT
fsr-3530	830	6	126	126	NUM
fsr-3530	830	7	,	,	PUNCT
fsr-3530	830	8	383–398	383–398	NUM
fsr-3530	830	9	.	.	PUNCT
fsr-3530	830	10	available	available	ADJ
fsr-3530	830	11	at	at	ADP
fsr-3530	830	12	:	:	PUNCT
fsr-3530	830	13	https://doi.org/10.1016/j	https://doi.org/10.1016/j	NOUN
fsr-3530	830	14	.	.	PUNCT
fsr-3530	831	1	jfineco.2017.07.008	jfineco.2017.07.008	X
fsr-3530	832	1	bayer	bayer	PROPN
fsr-3530	832	2	,	,	PUNCT
fsr-3530	832	3	p.	p.	PROPN
fsr-3530	832	4	,	,	PUNCT
fsr-3530	832	5	bernheim	bernheim	PROPN
fsr-3530	832	6	,	,	PUNCT
fsr-3530	832	7	d.	d.	PROPN
fsr-3530	832	8	,	,	PUNCT
fsr-3530	832	9	&	&	CCONJ
fsr-3530	832	10	scholz	scholz	PROPN
fsr-3530	832	11	,	,	PUNCT
fsr-3530	832	12	j.	j.	PROPN
fsr-3530	832	13	(	(	PUNCT
fsr-3530	832	14	2009	2009	NUM
fsr-3530	832	15	)	)	PUNCT
fsr-3530	832	16	.	.	PUNCT
fsr-3530	833	1	the	the	DET
fsr-3530	833	2	effects	effect	NOUN
fsr-3530	833	3	of	of	ADP
fsr-3530	833	4	financial	financial	ADJ
fsr-3530	833	5	education	education	NOUN
fsr-3530	833	6	in	in	ADP
fsr-3530	833	7	the	the	DET
fsr-3530	833	8	workplace	workplace	NOUN
fsr-3530	833	9	:	:	PUNCT
fsr-3530	833	10	evidence	evidence	NOUN
fsr-3530	833	11	from	from	ADP
fsr-3530	833	12	a	a	DET
fsr-3530	833	13	survey	survey	NOUN
fsr-3530	833	14	of	of	ADP
fsr-3530	833	15	employers	employer	NOUN
fsr-3530	833	16	.	.	PUNCT
fsr-3530	834	1	economic	economic	ADJ
fsr-3530	834	2	inquiry	inquiry	NOUN
fsr-3530	834	3	,	,	PUNCT
fsr-3530	834	4	47	47	NUM
fsr-3530	834	5	,	,	PUNCT
fsr-3530	834	6	605–624	605–624	NUM
fsr-3530	834	7	.	.	PUNCT
fsr-3530	835	1	available	available	ADJ
fsr-3530	835	2	at	at	ADP
fsr-3530	835	3	:	:	PUNCT
fsr-3530	835	4	https://doi.org/10.1111/j.1465-7295.2008.00156.x	https://doi.org/10.1111/j.1465-7295.2008.00156.x	ADJ
fsr-3530	835	5	bernheim	bernheim	NOUN
fsr-3530	835	6	,	,	PUNCT
fsr-3530	835	7	d.	d.	PROPN
fsr-3530	835	8	,	,	PUNCT
fsr-3530	835	9	&	&	CCONJ
fsr-3530	835	10	garrett	garrett	PROPN
fsr-3530	835	11	,	,	PUNCT
fsr-3530	835	12	d.	d.	PROPN
fsr-3530	835	13	m.	m.	PROPN
fsr-3530	835	14	(	(	PUNCT
fsr-3530	835	15	2003	2003	NUM
fsr-3530	835	16	)	)	PUNCT
fsr-3530	835	17	.	.	PUNCT
fsr-3530	836	1	the	the	DET
fsr-3530	836	2	effects	effect	NOUN
fsr-3530	836	3	of	of	ADP
fsr-3530	836	4	financial	financial	ADJ
fsr-3530	836	5	education	education	NOUN
fsr-3530	836	6	in	in	ADP
fsr-3530	836	7	the	the	DET
fsr-3530	836	8	workplace	workplace	NOUN
fsr-3530	836	9	:	:	PUNCT
fsr-3530	836	10	evidence	evidence	NOUN
fsr-3530	836	11	from	from	ADP
fsr-3530	836	12	a	a	DET
fsr-3530	836	13	survey	survey	NOUN
fsr-3530	836	14	of	of	ADP
fsr-3530	836	15	households	household	NOUN
fsr-3530	836	16	.	.	PUNCT
fsr-3530	837	1	journal	journal	NOUN
fsr-3530	837	2	of	of	ADP
fsr-3530	837	3	public	public	ADJ
fsr-3530	837	4	economics	economic	NOUN
fsr-3530	837	5	,	,	PUNCT
fsr-3530	837	6	87	87	NUM
fsr-3530	837	7	,	,	PUNCT
fsr-3530	837	8	1487–1519	1487–1519	NUM
fsr-3530	837	9	.	.	PUNCT
fsr-3530	838	1	available	available	ADJ
fsr-3530	838	2	at	at	ADP
fsr-3530	838	3	:	:	PUNCT
fsr-3530	838	4	https://doi.org/10.1016/s0047-2727	https://doi.org/10.1016/s0047-2727	PROPN
fsr-3530	838	5	(	(	PUNCT
fsr-3530	838	6	01)00184	01)00184	PROPN
fsr-3530	838	7	-	-	PUNCT
fsr-3530	838	8	0	0	NUM
fsr-3530	838	9	clark	clark	PROPN
fsr-3530	838	10	,	,	PUNCT
fsr-3530	838	11	r.	r.	PROPN
fsr-3530	838	12	,	,	PUNCT
fsr-3530	838	13	lusardi	lusardi	PROPN
fsr-3530	838	14	,	,	PUNCT
fsr-3530	838	15	a.	a.	PROPN
fsr-3530	838	16	,	,	PUNCT
fsr-3530	838	17	&	&	CCONJ
fsr-3530	838	18	mitchell	mitchell	PROPN
fsr-3530	838	19	,	,	PUNCT
fsr-3530	838	20	o.	o.	PROPN
fsr-3530	838	21	(	(	PUNCT
fsr-3530	838	22	2017	2017	NUM
fsr-3530	838	23	)	)	PUNCT
fsr-3530	838	24	.	.	PUNCT
fsr-3530	839	1	employee	employee	NOUN
fsr-3530	839	2	financial	financial	ADJ
fsr-3530	839	3	literacy	literacy	NOUN
fsr-3530	839	4	and	and	CCONJ
fsr-3530	839	5	retirement	retirement	NOUN
fsr-3530	839	6	plan	plan	NOUN
fsr-3530	839	7	behavior	behavior	NOUN
fsr-3530	839	8	:	:	PUNCT
fsr-3530	839	9	a	a	DET
fsr-3530	839	10	case	case	NOUN
fsr-3530	839	11	study	study	NOUN
fsr-3530	839	12	.	.	PUNCT
fsr-3530	840	1	economic	economic	ADJ
fsr-3530	840	2	inquiry	inquiry	NOUN
fsr-3530	840	3	,	,	PUNCT
fsr-3530	840	4	55	55	NUM
fsr-3530	840	5	,	,	PUNCT
fsr-3530	840	6	248–259	248–259	NUM
fsr-3530	840	7	.	.	PUNCT
fsr-3530	840	8	available	available	ADJ
fsr-3530	840	9	at	at	ADP
fsr-3530	840	10	:	:	PUNCT
fsr-3530	840	11	https://doi.org/10.1111/ecin.12389	https://doi.org/10.1111/ecin.12389	NOUN
fsr-3530	840	12	clark	clark	PROPN
fsr-3530	840	13	,	,	PUNCT
fsr-3530	840	14	r.	r.	PROPN
fsr-3530	840	15	l.	l.	PROPN
fsr-3530	840	16	,	,	PUNCT
fsr-3530	840	17	d’ambrosio	d’ambrosio	PROPN
fsr-3530	840	18	,	,	PUNCT
fsr-3530	840	19	m.	m.	PROPN
fsr-3530	840	20	b.	b.	PROPN
fsr-3530	840	21	,	,	PUNCT
fsr-3530	840	22	mcdermed	mcderme	VERB
fsr-3530	840	23	,	,	PUNCT
fsr-3530	840	24	a.	a.	NOUN
fsr-3530	840	25	a.	a.	PROPN
fsr-3530	840	26	,	,	PUNCT
fsr-3530	840	27	&	&	CCONJ
fsr-3530	840	28	sawant	sawant	PROPN
fsr-3530	840	29	,	,	PUNCT
fsr-3530	840	30	k.	k.	PROPN
fsr-3530	840	31	(	(	PUNCT
fsr-3530	840	32	2006	2006	NUM
fsr-3530	840	33	)	)	PUNCT
fsr-3530	840	34	.	.	PUNCT
fsr-3530	841	1	retirement	retirement	NOUN
fsr-3530	841	2	plans	plan	NOUN
fsr-3530	841	3	and	and	CCONJ
fsr-3530	841	4	saving	save	VERB
fsr-3530	841	5	decisions	decision	NOUN
fsr-3530	841	6	:	:	PUNCT
fsr-3530	841	7	the	the	DET
fsr-3530	841	8	role	role	NOUN
fsr-3530	841	9	of	of	ADP
fsr-3530	841	10	information	information	NOUN
fsr-3530	841	11	and	and	CCONJ
fsr-3530	841	12	education	education	NOUN
fsr-3530	841	13	.	.	PUNCT
fsr-3530	842	1	journal	journal	NOUN
fsr-3530	842	2	of	of	ADP
fsr-3530	842	3	pension	pension	NOUN
fsr-3530	842	4	economics	economic	NOUN
fsr-3530	842	5	and	and	CCONJ
fsr-3530	842	6	finance	finance	NOUN
fsr-3530	842	7	,	,	PUNCT
fsr-3530	842	8	5	5	NUM
fsr-3530	842	9	,	,	PUNCT
fsr-3530	842	10	45–67	45–67	NUM
fsr-3530	842	11	.	.	PUNCT
fsr-3530	842	12	available	available	ADJ
fsr-3530	842	13	at	at	ADP
fsr-3530	842	14	:	:	PUNCT
fsr-3530	842	15	https://doi.org/10.1017/s1474747205002271	https://doi.org/10.1017/s1474747205002271	NUM
fsr-3530	842	16	collins	collin	NOUN
fsr-3530	842	17	,	,	PUNCT
fsr-3530	842	18	m.	m.	NOUN
fsr-3530	842	19	(	(	PUNCT
fsr-3530	842	20	2013	2013	NUM
fsr-3530	842	21	)	)	PUNCT
fsr-3530	842	22	.	.	PUNCT
fsr-3530	843	1	the	the	DET
fsr-3530	843	2	impacts	impact	NOUN
fsr-3530	843	3	of	of	ADP
fsr-3530	843	4	mandatory	mandatory	ADJ
fsr-3530	843	5	financial	financial	ADJ
fsr-3530	843	6	education	education	NOUN
fsr-3530	843	7	:	:	PUNCT
fsr-3530	843	8	evidence	evidence	NOUN
fsr-3530	843	9	from	from	ADP
fsr-3530	843	10	a	a	DET
fsr-3530	843	11	randomized	randomized	ADJ
fsr-3530	843	12	field	field	NOUN
fsr-3530	843	13	study	study	NOUN
fsr-3530	843	14	.	.	PUNCT
fsr-3530	844	1	journal	journal	NOUN
fsr-3530	844	2	of	of	ADP
fsr-3530	844	3	economic	economic	ADJ
fsr-3530	844	4	behavior	behavior	NOUN
fsr-3530	844	5	&	&	CCONJ
fsr-3530	844	6	organization	organization	PROPN
fsr-3530	844	7	,	,	PUNCT
fsr-3530	844	8	95	95	NUM
fsr-3530	844	9	,	,	PUNCT
fsr-3530	844	10	146–158	146–158	NUM
fsr-3530	844	11	.	.	PUNCT
fsr-3530	844	12	available	available	ADJ
fsr-3530	844	13	at	at	ADP
fsr-3530	844	14	:	:	PUNCT
fsr-3530	844	15	https://doi.org/10.1016/j.jebo.2012.08.011	https://doi.org/10.1016/j.jebo.2012.08.011	PROPN
fsr-3530	844	16	dechausay	dechausay	PROPN
fsr-3530	844	17	,	,	PUNCT
fsr-3530	844	18	n.	n.	NOUN
fsr-3530	844	19	,	,	PUNCT
fsr-3530	844	20	anzelone	anzelone	PROPN
fsr-3530	844	21	,	,	PUNCT
fsr-3530	844	22	c.	c.	PROPN
fsr-3530	844	23	,	,	PUNCT
fsr-3530	844	24	&	&	CCONJ
fsr-3530	844	25	reardon	reardon	PROPN
fsr-3530	844	26	,	,	PUNCT
fsr-3530	844	27	l.	l.	PROPN
fsr-3530	844	28	(	(	PUNCT
fsr-3530	844	29	2015	2015	NUM
fsr-3530	844	30	)	)	PUNCT
fsr-3530	844	31	.	.	PUNCT
fsr-3530	845	1	the	the	DET
fsr-3530	845	2	power	power	NOUN
fsr-3530	845	3	of	of	ADP
fsr-3530	845	4	prompts	prompt	NOUN
fsr-3530	845	5	:	:	PUNCT
fsr-3530	845	6	using	use	VERB
fsr-3530	845	7	behavioral	behavioral	ADJ
fsr-3530	845	8	insights	insight	NOUN
fsr-3530	845	9	to	to	PART
fsr-3530	845	10	encourage	encourage	VERB
fsr-3530	845	11	people	people	NOUN
fsr-3530	845	12	to	to	PART
fsr-3530	845	13	participate	participate	VERB
fsr-3530	845	14	.	.	PUNCT
fsr-3530	846	1	opre	opre	ADJ
fsr-3530	846	2	report	report	NOUN
fsr-3530	846	3	2015	2015	NUM
fsr-3530	846	4	-	-	SYM
fsr-3530	846	5	75	75	NUM
fsr-3530	846	6	.	.	PUNCT
fsr-3530	847	1	washington	washington	PROPN
fsr-3530	847	2	,	,	PUNCT
fsr-3530	847	3	dc	dc	PROPN
fsr-3530	847	4	:	:	PUNCT
fsr-3530	847	5	office	office	NOUN
fsr-3530	847	6	of	of	ADP
fsr-3530	847	7	planning	planning	NOUN
fsr-3530	847	8	,	,	PUNCT
fsr-3530	847	9	research	research	NOUN
fsr-3530	847	10	and	and	CCONJ
fsr-3530	847	11	evaluation	evaluation	NOUN
fsr-3530	847	12	,	,	PUNCT
fsr-3530	847	13	administration	administration	NOUN
fsr-3530	847	14	for	for	ADP
fsr-3530	847	15	children	child	NOUN
fsr-3530	847	16	and	and	CCONJ
fsr-3530	847	17	families	family	NOUN
fsr-3530	847	18	,	,	PUNCT
fsr-3530	847	19	u.s	u.s	PROPN
fsr-3530	847	20	.	.	PROPN
fsr-3530	847	21	department	department	PROPN
fsr-3530	847	22	of	of	ADP
fsr-3530	847	23	health	health	PROPN
fsr-3530	847	24	and	and	CCONJ
fsr-3530	847	25	human	human	PROPN
fsr-3530	847	26	services	service	NOUN
fsr-3530	847	27	.	.	PUNCT
fsr-3530	848	1	hastings	hastings	PROPN
fsr-3530	848	2	,	,	PUNCT
fsr-3530	848	3	j.	j.	PROPN
fsr-3530	848	4	,	,	PUNCT
fsr-3530	848	5	madrian	madrian	PROPN
fsr-3530	848	6	,	,	PUNCT
fsr-3530	848	7	b.	b.	PROPN
fsr-3530	848	8	,	,	PUNCT
fsr-3530	848	9	&	&	CCONJ
fsr-3530	848	10	skimmyhorn	skimmyhorn	PROPN
fsr-3530	848	11	,	,	PUNCT
fsr-3530	848	12	w.	w.	PROPN
fsr-3530	848	13	(	(	PUNCT
fsr-3530	848	14	2013	2013	NUM
fsr-3530	848	15	)	)	PUNCT
fsr-3530	848	16	.	.	PUNCT
fsr-3530	849	1	financial	financial	ADJ
fsr-3530	849	2	literacy	literacy	NOUN
fsr-3530	849	3	,	,	PUNCT
fsr-3530	849	4	financial	financial	ADJ
fsr-3530	849	5	education	education	NOUN
fsr-3530	849	6	,	,	PUNCT
fsr-3530	849	7	and	and	CCONJ
fsr-3530	849	8	economic	economic	ADJ
fsr-3530	849	9	outcomes	outcome	NOUN
fsr-3530	849	10	.	.	PUNCT
fsr-3530	850	1	annual	annual	ADJ
fsr-3530	850	2	review	review	NOUN
fsr-3530	850	3	of	of	ADP
fsr-3530	850	4	economics	economic	NOUN
fsr-3530	850	5	,	,	PUNCT
fsr-3530	850	6	5	5	NUM
fsr-3530	850	7	,	,	PUNCT
fsr-3530	850	8	347–373	347–373	NUM
fsr-3530	850	9	.	.	PUNCT
fsr-3530	850	10	available	available	ADJ
fsr-3530	850	11	at	at	ADP
fsr-3530	850	12	:	:	PUNCT
fsr-3530	850	13	https://doi.org/10.1146/annurev-economics-082312-125807	https://doi.org/10.1146/annurev-economics-082312-125807	PROPN
fsr-3530	850	14	knoll	knoll	PROPN
fsr-3530	850	15	,	,	PUNCT
fsr-3530	850	16	m.	m.	NOUN
fsr-3530	850	17	,	,	PUNCT
fsr-3530	850	18	&	&	CCONJ
fsr-3530	850	19	houts	hout	NOUN
fsr-3530	850	20	,	,	PUNCT
fsr-3530	850	21	c.	c.	NOUN
fsr-3530	850	22	(	(	PUNCT
fsr-3530	850	23	2012	2012	NUM
fsr-3530	850	24	)	)	PUNCT
fsr-3530	850	25	.	.	PUNCT
fsr-3530	851	1	the	the	DET
fsr-3530	851	2	financial	financial	ADJ
fsr-3530	851	3	knowledge	knowledge	NOUN
fsr-3530	851	4	scale	scale	NOUN
fsr-3530	851	5	:	:	PUNCT
fsr-3530	851	6	an	an	DET
fsr-3530	851	7	application	application	NOUN
fsr-3530	851	8	of	of	ADP
fsr-3530	851	9	item	item	NOUN
fsr-3530	851	10	response	response	NOUN
fsr-3530	851	11	theory	theory	NOUN
fsr-3530	851	12	to	to	ADP
fsr-3530	851	13	the	the	DET
fsr-3530	851	14	assessment	assessment	NOUN
fsr-3530	851	15	of	of	ADP
fsr-3530	851	16	financial	financial	ADJ
fsr-3530	851	17	literacy	literacy	NOUN
fsr-3530	851	18	.	.	PUNCT
fsr-3530	852	1	journal	journal	NOUN
fsr-3530	852	2	of	of	ADP
fsr-3530	852	3	consumer	consumer	NOUN
fsr-3530	852	4	affairs	affair	NOUN
fsr-3530	852	5	,	,	PUNCT
fsr-3530	852	6	46	46	NUM
fsr-3530	852	7	,	,	PUNCT
fsr-3530	852	8	381–410	381–410	NUM
fsr-3530	852	9	.	.	PUNCT
fsr-3530	852	10	available	available	ADJ
fsr-3530	852	11	at	at	ADP
fsr-3530	852	12	:	:	PUNCT
fsr-3530	852	13	https://doi.org/	https://doi.org/	NOUN
fsr-3530	852	14	10.1111	10.1111	NUM
fsr-3530	852	15	/	/	SYM
fsr-3530	852	16	j.1745	j.1745	NOUN
fsr-3530	852	17	-	-	PUNCT
fsr-3530	852	18	6606.2012.01241.x	6606.2012.01241.x	NUM
fsr-3530	852	19	lusardi	lusardi	NOUN
fsr-3530	852	20	,	,	PUNCT
fsr-3530	852	21	a.	a.	NOUN
fsr-3530	852	22	(	(	PUNCT
fsr-3530	852	23	2004	2004	NUM
fsr-3530	852	24	)	)	PUNCT
fsr-3530	852	25	.	.	PUNCT
fsr-3530	853	1	saving	save	VERB
fsr-3530	853	2	and	and	CCONJ
fsr-3530	853	3	the	the	DET
fsr-3530	853	4	effectiveness	effectiveness	NOUN
fsr-3530	853	5	of	of	ADP
fsr-3530	853	6	financial	financial	ADJ
fsr-3530	853	7	education	education	NOUN
fsr-3530	853	8	.	.	PUNCT
fsr-3530	854	1	in	in	ADP
fsr-3530	854	2	:	:	PUNCT
fsr-3530	854	3	o.	o.	PROPN
fsr-3530	854	4	mitchell	mitchell	PROPN
fsr-3530	854	5	&	&	CCONJ
fsr-3530	854	6	s.	s.	PROPN
fsr-3530	854	7	utkus	utkus	PROPN
fsr-3530	854	8	(	(	PUNCT
fsr-3530	854	9	eds	ed	NOUN
fsr-3530	854	10	.	.	PUNCT
fsr-3530	854	11	)	)	PUNCT
fsr-3530	854	12	,	,	PUNCT
fsr-3530	854	13	pension	pension	NOUN
fsr-3530	854	14	design	design	NOUN
fsr-3530	854	15	and	and	CCONJ
fsr-3530	854	16	structure	structure	NOUN
fsr-3530	854	17	:	:	PUNCT
fsr-3530	854	18	new	new	ADJ
fsr-3530	854	19	lessons	lesson	NOUN
fsr-3530	854	20	from	from	ADP
fsr-3530	854	21	behavioral	behavioral	ADJ
fsr-3530	854	22	finance	finance	NOUN
fsr-3530	854	23	(	(	PUNCT
fsr-3530	854	24	pp	pp	ADV
fsr-3530	854	25	.	.	PUNCT
fsr-3530	855	1	157–184	157–184	NUM
fsr-3530	855	2	)	)	PUNCT
fsr-3530	855	3	.	.	PUNCT
fsr-3530	856	1	oxford	oxford	NOUN
fsr-3530	856	2	:	:	PUNCT
fsr-3530	856	3	oxford	oxford	PROPN
fsr-3530	856	4	university	university	PROPN
fsr-3530	856	5	press	press	NOUN
fsr-3530	856	6	.	.	PUNCT
fsr-3530	857	1	lusardi	lusardi	PROPN
fsr-3530	857	2	,	,	PUNCT
fsr-3530	857	3	a.	a.	PROPN
fsr-3530	857	4	,	,	PUNCT
fsr-3530	857	5	&	&	CCONJ
fsr-3530	857	6	mitchell	mitchell	PROPN
fsr-3530	857	7	,	,	PUNCT
fsr-3530	857	8	o.	o.	PROPN
fsr-3530	857	9	(	(	PUNCT
fsr-3530	857	10	2011	2011	NUM
fsr-3530	857	11	)	)	PUNCT
fsr-3530	857	12	.	.	PUNCT
fsr-3530	858	1	the	the	DET
fsr-3530	858	2	outlook	outlook	NOUN
fsr-3530	858	3	for	for	ADP
fsr-3530	858	4	financial	financial	ADJ
fsr-3530	858	5	literacy	literacy	NOUN
fsr-3530	858	6	.	.	PUNCT
fsr-3530	859	1	in	in	ADP
fsr-3530	859	2	:	:	PUNCT
fsr-3530	859	3	o.	o.	PROPN
fsr-3530	859	4	mitchell	mitchell	PROPN
fsr-3530	859	5	&	&	CCONJ
fsr-3530	859	6	a.	a.	PROPN
fsr-3530	859	7	lusardi	lusardi	PROPN
fsr-3530	859	8	(	(	PUNCT
fsr-3530	859	9	eds	ed	NOUN
fsr-3530	859	10	.	.	PUNCT
fsr-3530	859	11	)	)	PUNCT
fsr-3530	859	12	,	,	PUNCT
fsr-3530	859	13	financial	financial	ADJ
fsr-3530	859	14	literacy	literacy	NOUN
fsr-3530	859	15	:	:	PUNCT
fsr-3530	859	16	implications	implication	NOUN
fsr-3530	859	17	for	for	ADP
fsr-3530	859	18	retirement	retirement	NOUN
fsr-3530	859	19	security	security	NOUN
fsr-3530	859	20	and	and	CCONJ
fsr-3530	859	21	the	the	DET
fsr-3530	859	22	financial	financial	ADJ
fsr-3530	859	23	marketplace	marketplace	NOUN
fsr-3530	859	24	(	(	PUNCT
fsr-3530	859	25	pp	pp	ADJ
fsr-3530	859	26	.	.	PUNCT
fsr-3530	859	27	1–16	1–16	NOUN
fsr-3530	859	28	)	)	PUNCT
fsr-3530	859	29	.	.	PUNCT
fsr-3530	860	1	oxford	oxford	NOUN
fsr-3530	860	2	:	:	PUNCT
fsr-3530	860	3	oxford	oxford	PROPN
fsr-3530	860	4	university	university	PROPN
fsr-3530	860	5	press	press	NOUN
fsr-3530	860	6	.	.	PUNCT
fsr-3530	861	1	lusardi	lusardi	PROPN
fsr-3530	861	2	,	,	PUNCT
fsr-3530	861	3	a.	a.	PROPN
fsr-3530	861	4	,	,	PUNCT
fsr-3530	861	5	&	&	CCONJ
fsr-3530	861	6	mitchell	mitchell	PROPN
fsr-3530	861	7	,	,	PUNCT
fsr-3530	861	8	o.	o.	PROPN
fsr-3530	861	9	(	(	PUNCT
fsr-3530	861	10	2014	2014	NUM
fsr-3530	861	11	)	)	PUNCT
fsr-3530	861	12	.	.	PUNCT
fsr-3530	862	1	the	the	DET
fsr-3530	862	2	economic	economic	ADJ
fsr-3530	862	3	importance	importance	NOUN
fsr-3530	862	4	of	of	ADP
fsr-3530	862	5	financial	financial	ADJ
fsr-3530	862	6	literacy	literacy	NOUN
fsr-3530	862	7	:	:	PUNCT
fsr-3530	862	8	theory	theory	NOUN
fsr-3530	862	9	and	and	CCONJ
fsr-3530	862	10	evidence	evidence	NOUN
fsr-3530	862	11	.	.	PUNCT
fsr-3530	863	1	journal	journal	NOUN
fsr-3530	863	2	of	of	ADP
fsr-3530	863	3	economic	economic	ADJ
fsr-3530	863	4	literature	literature	NOUN
fsr-3530	863	5	,	,	PUNCT
fsr-3530	863	6	52	52	NUM
fsr-3530	863	7	,	,	PUNCT
fsr-3530	863	8	5–44	5–44	PROPN
fsr-3530	863	9	.	.	PROPN
fsr-3530	863	10	available	available	ADJ
fsr-3530	863	11	at	at	ADP
fsr-3530	863	12	:	:	PUNCT
fsr-3530	863	13	https://doi.org/10.1257/jel.52.1.5	https://doi.org/10.1257/jel.52.1.5	PROPN
fsr-3530	863	14	lusardi	lusardi	PROPN
fsr-3530	863	15	,	,	PUNCT
fsr-3530	863	16	a.	a.	PROPN
fsr-3530	863	17	,	,	PUNCT
fsr-3530	863	18	mitchell	mitchell	PROPN
fsr-3530	863	19	,	,	PUNCT
fsr-3530	863	20	o.	o.	PROPN
fsr-3530	863	21	,	,	PUNCT
fsr-3530	863	22	&	&	CCONJ
fsr-3530	863	23	curto	curto	PROPN
fsr-3530	863	24	,	,	PUNCT
fsr-3530	863	25	v.	v.	PROPN
fsr-3530	863	26	(	(	PUNCT
fsr-3530	863	27	2014	2014	NUM
fsr-3530	863	28	)	)	PUNCT
fsr-3530	863	29	.	.	PUNCT
fsr-3530	864	1	financial	financial	ADJ
fsr-3530	864	2	literacy	literacy	NOUN
fsr-3530	864	3	and	and	CCONJ
fsr-3530	864	4	financial	financial	ADJ
fsr-3530	864	5	sophistication	sophistication	NOUN
fsr-3530	864	6	in	in	ADP
fsr-3530	864	7	the	the	DET
fsr-3530	864	8	older	old	ADJ
fsr-3530	864	9	population	population	NOUN
fsr-3530	864	10	.	.	PUNCT
fsr-3530	865	1	journal	journal	PROPN
fsr-3530	865	2	of	of	ADP
fsr-3530	865	3	pension	pension	NOUN
fsr-3530	865	4	economics	economic	NOUN
fsr-3530	865	5	&	&	CCONJ
fsr-3530	865	6	finance	finance	PROPN
fsr-3530	865	7	,	,	PUNCT
fsr-3530	865	8	13	13	NUM
fsr-3530	865	9	,	,	PUNCT
fsr-3530	865	10	347–366	347–366	NUM
fsr-3530	865	11	.	.	PUNCT
fsr-3530	865	12	available	available	ADJ
fsr-3530	865	13	at	at	ADP
fsr-3530	865	14	:	:	PUNCT
fsr-3530	865	15	https://doi.org/10.1017/s1474747214000031	https://doi.org/10.1017/s1474747214000031	NUM
fsr-3530	865	16	lusardi	lusardi	PROPN
fsr-3530	865	17	,	,	PUNCT
fsr-3530	865	18	a.	a.	PROPN
fsr-3530	865	19	,	,	PUNCT
fsr-3530	865	20	michaud	michaud	PROPN
fsr-3530	865	21	,	,	PUNCT
fsr-3530	865	22	p.-c	p.-c	PROPN
fsr-3530	865	23	.	.	PUNCT
fsr-3530	865	24	,	,	PUNCT
fsr-3530	865	25	&	&	CCONJ
fsr-3530	865	26	mitchell	mitchell	PROPN
fsr-3530	865	27	,	,	PUNCT
fsr-3530	865	28	o.	o.	PROPN
fsr-3530	865	29	(	(	PUNCT
fsr-3530	865	30	2017	2017	NUM
fsr-3530	865	31	)	)	PUNCT
fsr-3530	865	32	.	.	PUNCT
fsr-3530	866	1	optimal	optimal	ADJ
fsr-3530	866	2	financial	financial	ADJ
fsr-3530	866	3	knowledge	knowledge	NOUN
fsr-3530	866	4	and	and	CCONJ
fsr-3530	866	5	wealth	wealth	NOUN
fsr-3530	866	6	inequality	inequality	NOUN
fsr-3530	866	7	.	.	PUNCT
fsr-3530	867	1	the	the	DET
fsr-3530	867	2	journal	journal	NOUN
fsr-3530	867	3	of	of	ADP
fsr-3530	867	4	political	political	ADJ
fsr-3530	867	5	economy	economy	NOUN
fsr-3530	867	6	,	,	PUNCT
fsr-3530	867	7	125	125	NUM
fsr-3530	867	8	,	,	PUNCT
fsr-3530	867	9	431–477	431–477	NUM
fsr-3530	867	10	.	.	PUNCT
fsr-3530	867	11	available	available	ADJ
fsr-3530	867	12	at	at	ADP
fsr-3530	867	13	:	:	PUNCT
fsr-3530	867	14	https://doi.org/10.1086/690950	https://doi.org/10.1086/690950	NOUN
fsr-3530	867	15	maki	maki	PROPN
fsr-3530	867	16	,	,	PUNCT
fsr-3530	867	17	d.	d.	PROPN
fsr-3530	867	18	(	(	PUNCT
fsr-3530	867	19	2004	2004	NUM
fsr-3530	867	20	)	)	PUNCT
fsr-3530	867	21	.	.	PUNCT
fsr-3530	868	1	financial	financial	ADJ
fsr-3530	868	2	education	education	NOUN
fsr-3530	868	3	and	and	CCONJ
fsr-3530	868	4	private	private	ADJ
fsr-3530	868	5	pensions	pension	NOUN
fsr-3530	868	6	.	.	PUNCT
fsr-3530	869	1	in	in	ADP
fsr-3530	869	2	w.	w.	PROPN
fsr-3530	869	3	gale	gale	PROPN
fsr-3530	869	4	,	,	PUNCT
fsr-3530	869	5	j.	j.	PROPN
fsr-3530	869	6	shoven	shoven	PROPN
fsr-3530	869	7	,	,	PUNCT
fsr-3530	869	8	&	&	CCONJ
fsr-3530	869	9	m.	m.	PROPN
fsr-3530	869	10	warshawsky	warshawsky	PROPN
fsr-3530	869	11	(	(	PUNCT
fsr-3530	869	12	eds	ed	NOUN
fsr-3530	869	13	.	.	PUNCT
fsr-3530	869	14	)	)	PUNCT
fsr-3530	869	15	,	,	PUNCT
fsr-3530	869	16	private	private	ADJ
fsr-3530	869	17	pensions	pension	NOUN
fsr-3530	869	18	and	and	CCONJ
fsr-3530	869	19	public	public	ADJ
fsr-3530	869	20	policies	policy	NOUN
fsr-3530	869	21	(	(	PUNCT
fsr-3530	869	22	pp	pp	ADJ
fsr-3530	869	23	.	.	PUNCT
fsr-3530	870	1	126–139	126–139	NUM
fsr-3530	870	2	)	)	PUNCT
fsr-3530	870	3	.	.	PUNCT
fsr-3530	871	1	washington	washington	PROPN
fsr-3530	871	2	,	,	PUNCT
fsr-3530	871	3	dc	dc	PROPN
fsr-3530	871	4	:	:	PUNCT
fsr-3530	871	5	brookings	brookings	PROPN
fsr-3530	871	6	institution	institution	NOUN
fsr-3530	871	7	press	press	NOUN
fsr-3530	871	8	.	.	PUNCT
fsr-3530	872	1	schmeiser	schmeiser	ADJ
fsr-3530	872	2	,	,	PUNCT
fsr-3530	872	3	m.	m.	NOUN
fsr-3530	872	4	,	,	PUNCT
fsr-3530	872	5	&	&	CCONJ
fsr-3530	872	6	seligman	seligman	PROPN
fsr-3530	872	7	,	,	PUNCT
fsr-3530	872	8	j.	j.	PROPN
fsr-3530	872	9	(	(	PUNCT
fsr-3530	872	10	2013	2013	NUM
fsr-3530	872	11	)	)	PUNCT
fsr-3530	872	12	.	.	PUNCT
fsr-3530	873	1	using	use	VERB
fsr-3530	873	2	the	the	DET
fsr-3530	873	3	right	right	ADJ
fsr-3530	873	4	yardstick	yardstick	NOUN
fsr-3530	873	5	:	:	PUNCT
fsr-3530	873	6	assessing	assess	VERB
fsr-3530	873	7	financial	financial	ADJ
fsr-3530	873	8	measures	measure	NOUN
fsr-3530	873	9	by	by	ADP
fsr-3530	873	10	way	way	NOUN
fsr-3530	873	11	of	of	ADP
fsr-3530	873	12	financial	financial	ADJ
fsr-3530	873	13	well	well	NOUN
fsr-3530	873	14	-	-	PUNCT
fsr-3530	873	15	being	being	NOUN
fsr-3530	873	16	.	.	PUNCT
fsr-3530	874	1	journal	journal	PROPN
fsr-3530	874	2	of	of	ADP
fsr-3530	874	3	consumer	consumer	NOUN
fsr-3530	874	4	affairs	affair	NOUN
fsr-3530	874	5	,	,	PUNCT
fsr-3530	874	6	47	47	NUM
fsr-3530	874	7	,	,	PUNCT
fsr-3530	874	8	243–262	243–262	NUM
fsr-3530	874	9	.	.	PUNCT
fsr-3530	875	1	available	available	ADJ
fsr-3530	875	2	at	at	ADP
fsr-3530	875	3	:	:	PUNCT
fsr-3530	875	4	https://doi.org/10.1111/joca.12010	https://doi.org/10.1111/joca.12010	PROPN
fsr-3530	875	5	b.	b.	PROPN
fsr-3530	875	6	j.	j.	PROPN
fsr-3530	875	7	davis	davis	PROPN
fsr-3530	875	8	et	et	PROPN
fsr-3530	875	9	al	al	PROPN
fsr-3530	875	10	.	.	PUNCT
fsr-3530	875	11	/	/	SYM
fsr-3530	875	12	financial	financial	ADJ
fsr-3530	875	13	services	service	NOUN
fsr-3530	875	14	review	review	VERB
fsr-3530	875	15	31	31	NUM
fsr-3530	875	16	(	(	PUNCT
fsr-3530	875	17	2023	2023	NUM
fsr-3530	875	18	)	)	PUNCT
fsr-3530	875	19	133–150	133–150	NUM
fsr-3530	875	20	149	149	NUM
fsr-3530	875	21	seligman	seligman	NOUN
fsr-3530	875	22	,	,	PUNCT
fsr-3530	875	23	j.	j.	PROPN
fsr-3530	875	24	,	,	PUNCT
fsr-3530	875	25	&	&	CCONJ
fsr-3530	875	26	bose	bose	PROPN
fsr-3530	875	27	,	,	PUNCT
fsr-3530	875	28	r.	r.	PROPN
fsr-3530	875	29	(	(	PUNCT
fsr-3530	875	30	2012	2012	NUM
fsr-3530	875	31	)	)	PUNCT
fsr-3530	875	32	.	.	PUNCT
fsr-3530	876	1	learning	learn	VERB
fsr-3530	876	2	by	by	ADP
fsr-3530	876	3	doing	do	VERB
fsr-3530	876	4	:	:	PUNCT
fsr-3530	876	5	active	active	ADJ
fsr-3530	876	6	employer	employer	NOUN
fsr-3530	876	7	sponsored	sponsor	VERB
fsr-3530	876	8	retirement	retirement	NOUN
fsr-3530	876	9	savings	saving	NOUN
fsr-3530	876	10	plan	plan	NOUN
fsr-3530	876	11	participation	participation	NOUN
fsr-3530	876	12	and	and	CCONJ
fsr-3530	876	13	household	household	NOUN
fsr-3530	876	14	wealth	wealth	NOUN
fsr-3530	876	15	accumulation	accumulation	NOUN
fsr-3530	876	16	.	.	PUNCT
fsr-3530	877	1	the	the	DET
fsr-3530	877	2	quarterly	quarterly	ADJ
fsr-3530	877	3	review	review	NOUN
fsr-3530	877	4	of	of	ADP
fsr-3530	877	5	economics	economic	NOUN
fsr-3530	877	6	and	and	CCONJ
fsr-3530	877	7	finance	finance	NOUN
fsr-3530	877	8	,	,	PUNCT
fsr-3530	877	9	52	52	NUM
fsr-3530	877	10	,	,	PUNCT
fsr-3530	877	11	162–172	162–172	NUM
fsr-3530	877	12	.	.	PUNCT
fsr-3530	877	13	available	available	ADJ
fsr-3530	877	14	at	at	ADP
fsr-3530	877	15	:	:	PUNCT
fsr-3530	877	16	https://doi.org/10.1016/j.qref.2012.02.002	https://doi.org/10.1016/j.qref.2012.02.002	NOUN
fsr-3530	877	17	skimmyhorn	skimmyhorn	PROPN
fsr-3530	877	18	,	,	PUNCT
fsr-3530	877	19	w.	w.	PROPN
fsr-3530	877	20	,	,	PUNCT
fsr-3530	877	21	davies	davies	PROPN
fsr-3530	877	22	,	,	PUNCT
fsr-3530	877	23	e.	e.	PROPN
fsr-3530	877	24	,	,	PUNCT
fsr-3530	877	25	mun	mun	PROPN
fsr-3530	877	26	,	,	PUNCT
fsr-3530	877	27	d.	d.	PROPN
fsr-3530	877	28	,	,	PUNCT
fsr-3530	877	29	&	&	CCONJ
fsr-3530	877	30	mitchell	mitchell	PROPN
fsr-3530	877	31	,	,	PUNCT
fsr-3530	877	32	b.	b.	PROPN
fsr-3530	877	33	(	(	PUNCT
fsr-3530	877	34	2016	2016	NUM
fsr-3530	877	35	)	)	PUNCT
fsr-3530	877	36	.	.	PUNCT
fsr-3530	878	1	assessing	assess	VERB
fsr-3530	878	2	financial	financial	ADJ
fsr-3530	878	3	education	education	NOUN
fsr-3530	878	4	methods	method	NOUN
fsr-3530	878	5	:	:	PUNCT
fsr-3530	878	6	principles	principle	NOUN
fsr-3530	878	7	vs.	vs.	ADP
fsr-3530	878	8	rules	rule	NOUN
fsr-3530	878	9	-	-	PUNCT
fsr-3530	878	10	of	of	ADP
fsr-3530	878	11	-	-	PUNCT
fsr-3530	878	12	thumb	thumb	NOUN
fsr-3530	878	13	approach	approach	NOUN
fsr-3530	878	14	.	.	PUNCT
fsr-3530	879	1	the	the	DET
fsr-3530	879	2	journal	journal	NOUN
fsr-3530	879	3	of	of	ADP
fsr-3530	879	4	economic	economic	ADJ
fsr-3530	879	5	education	education	NOUN
fsr-3530	879	6	,	,	PUNCT
fsr-3530	879	7	47	47	NUM
fsr-3530	879	8	,	,	PUNCT
fsr-3530	879	9	193–210	193–210	NUM
fsr-3530	879	10	.	.	PUNCT
fsr-3530	879	11	available	available	ADJ
fsr-3530	879	12	at	at	ADP
fsr-3530	879	13	:	:	PUNCT
fsr-3530	879	14	https://doi.org/	https://doi.org/	NOUN
fsr-3530	879	15	10.1080/00220485.2016.1179145	10.1080/00220485.2016.1179145	NUM
fsr-3530	879	16	stoddard	stoddard	NOUN
fsr-3530	879	17	,	,	PUNCT
fsr-3530	879	18	c.	c.	PROPN
fsr-3530	879	19	,	,	PUNCT
fsr-3530	879	20	&	&	CCONJ
fsr-3530	879	21	urban	urban	PROPN
fsr-3530	879	22	,	,	PUNCT
fsr-3530	879	23	c.	c.	PROPN
fsr-3530	879	24	(	(	PUNCT
fsr-3530	879	25	2020	2020	NUM
fsr-3530	879	26	)	)	PUNCT
fsr-3530	879	27	.	.	PUNCT
fsr-3530	880	1	the	the	DET
fsr-3530	880	2	effects	effect	NOUN
fsr-3530	880	3	of	of	ADP
fsr-3530	880	4	state	state	NOUN
fsr-3530	880	5	mandated	mandate	VERB
fsr-3530	880	6	financial	financial	ADJ
fsr-3530	880	7	education	education	NOUN
fsr-3530	880	8	on	on	ADP
fsr-3530	880	9	college	college	NOUN
fsr-3530	880	10	financing	financing	NOUN
fsr-3530	880	11	behaviors	behavior	NOUN
fsr-3530	880	12	.	.	PUNCT
fsr-3530	881	1	journal	journal	NOUN
fsr-3530	881	2	of	of	ADP
fsr-3530	881	3	money	money	NOUN
fsr-3530	881	4	,	,	PUNCT
fsr-3530	881	5	credit	credit	NOUN
fsr-3530	881	6	and	and	CCONJ
fsr-3530	881	7	banking	banking	NOUN
fsr-3530	881	8	,	,	PUNCT
fsr-3530	881	9	52	52	NUM
fsr-3530	881	10	,	,	PUNCT
fsr-3530	881	11	747–776	747–776	NUM
fsr-3530	881	12	.	.	PUNCT
fsr-3530	881	13	available	available	ADJ
fsr-3530	881	14	at	at	ADP
fsr-3530	881	15	:	:	PUNCT
fsr-3530	881	16	https://doi.org/10.1111/jmcb.12624	https://doi.org/10.1111/jmcb.12624	NOUN
fsr-3530	881	17	urban	urban	ADJ
fsr-3530	881	18	,	,	PUNCT
fsr-3530	881	19	c.	c.	NOUN
fsr-3530	881	20	,	,	PUNCT
fsr-3530	881	21	schmeiser	schmeiser	ADJ
fsr-3530	881	22	,	,	PUNCT
fsr-3530	881	23	m.	m.	NOUN
fsr-3530	881	24	,	,	PUNCT
fsr-3530	881	25	collins	collins	PROPN
fsr-3530	881	26	,	,	PUNCT
fsr-3530	881	27	j.	j.	PROPN
fsr-3530	881	28	,	,	PUNCT
fsr-3530	881	29	&	&	CCONJ
fsr-3530	881	30	brown	brown	PROPN
fsr-3530	881	31	,	,	PUNCT
fsr-3530	881	32	a.	a.	NOUN
fsr-3530	881	33	(	(	PUNCT
fsr-3530	881	34	2018	2018	NUM
fsr-3530	881	35	)	)	PUNCT
fsr-3530	881	36	.	.	PUNCT
fsr-3530	882	1	the	the	DET
fsr-3530	882	2	effects	effect	NOUN
fsr-3530	882	3	of	of	ADP
fsr-3530	882	4	high	high	ADJ
fsr-3530	882	5	school	school	NOUN
fsr-3530	882	6	personal	personal	ADJ
fsr-3530	882	7	financial	financial	ADJ
fsr-3530	882	8	education	education	NOUN
fsr-3530	882	9	policies	policy	NOUN
fsr-3530	882	10	on	on	ADP
fsr-3530	882	11	financial	financial	ADJ
fsr-3530	882	12	behaviors	behavior	NOUN
fsr-3530	882	13	.	.	PUNCT
fsr-3530	883	1	economics	economic	NOUN
fsr-3530	883	2	of	of	ADP
fsr-3530	883	3	education	education	PROPN
fsr-3530	883	4	review	review	NOUN
fsr-3530	883	5	,	,	PUNCT
fsr-3530	883	6	78	78	NUM
fsr-3530	883	7	,	,	PUNCT
fsr-3530	883	8	101786	101786	NUM
fsr-3530	883	9	.	.	PUNCT
fsr-3530	884	1	yakoboski	yakoboski	PROPN
fsr-3530	884	2	,	,	PUNCT
fsr-3530	884	3	p.	p.	PROPN
fsr-3530	884	4	,	,	PUNCT
fsr-3530	884	5	lusardi	lusardi	PROPN
fsr-3530	884	6	,	,	PUNCT
fsr-3530	884	7	a.	a.	PROPN
fsr-3530	884	8	,	,	PUNCT
fsr-3530	884	9	&	&	CCONJ
fsr-3530	884	10	hasler	hasler	NOUN
fsr-3530	884	11	,	,	PUNCT
fsr-3530	884	12	a.	a.	NOUN
fsr-3530	884	13	(	(	PUNCT
fsr-3530	884	14	2019	2019	NUM
fsr-3530	884	15	)	)	PUNCT
fsr-3530	884	16	.	.	PUNCT
fsr-3530	885	1	financial	financial	ADJ
fsr-3530	885	2	literacy	literacy	NOUN
fsr-3530	885	3	in	in	ADP
fsr-3530	885	4	the	the	DET
fsr-3530	885	5	united	united	PROPN
fsr-3530	885	6	states	states	PROPN
fsr-3530	885	7	and	and	CCONJ
fsr-3530	885	8	its	its	PRON
fsr-3530	885	9	link	link	NOUN
fsr-3530	885	10	to	to	ADP
fsr-3530	885	11	financial	financial	ADJ
fsr-3530	885	12	wellness	wellness	NOUN
fsr-3530	885	13	.	.	PUNCT
fsr-3530	886	1	the	the	DET
fsr-3530	886	2	2019	2019	NUM
fsr-3530	886	3	tiaa	tiaa	NOUN
fsr-3530	886	4	institute	institute	NOUN
fsr-3530	886	5	-	-	PUNCT
fsr-3530	886	6	gflec	gflec	VERB
fsr-3530	886	7	personal	personal	ADJ
fsr-3530	886	8	finance	finance	NOUN
fsr-3530	886	9	index	index	NOUN
fsr-3530	886	10	.	.	PUNCT
fsr-3530	887	1	charlotte	charlotte	PROPN
fsr-3530	887	2	,	,	PUNCT
fsr-3530	887	3	nc	nc	PROPN
fsr-3530	887	4	:	:	PUNCT
fsr-3530	887	5	tiaa	tiaa	ADJ
fsr-3530	887	6	institute	institute	NOUN
fsr-3530	887	7	.	.	PUNCT
fsr-3530	888	1	150	150	NUM
fsr-3530	888	2	b.	b.	PROPN
fsr-3530	888	3	j.	j.	PROPN
fsr-3530	888	4	davis	davis	PROPN
fsr-3530	888	5	et	et	PROPN
fsr-3530	888	6	al	al	PROPN
fsr-3530	888	7	.	.	PUNCT
fsr-3530	888	8	/	/	SYM
fsr-3530	888	9	financial	financial	ADJ
fsr-3530	888	10	services	service	NOUN
fsr-3530	888	11	review	review	VERB
fsr-3530	888	12	31	31	NUM
fsr-3530	888	13	(	(	PUNCT
fsr-3530	888	14	2023	2023	NUM
fsr-3530	888	15	)	)	PUNCT
fsr-3530	888	16	133–150	133–150	NUM