id	sid	tid	token	lemma	pos
fsr-3531	1	1	finser_31	finser_31	PROPN
fsr-3531	1	2	-	-	PUNCT
fsr-3531	1	3	2_complete_issue	2_complete_issue	PROPN
fsr-3531	1	4	assessing	assess	VERB
fsr-3531	1	5	the	the	DET
fsr-3531	1	6	relative	relative	ADJ
fsr-3531	1	7	need	need	NOUN
fsr-3531	1	8	and	and	CCONJ
fsr-3531	1	9	demand	demand	NOUN
fsr-3531	1	10	for	for	ADP
fsr-3531	1	11	financial	financial	ADJ
fsr-3531	1	12	education	education	NOUN
fsr-3531	1	13	programs	program	NOUN
fsr-3531	1	14	:	:	PUNCT
fsr-3531	1	15	a	a	DET
fsr-3531	1	16	case	case	NOUN
fsr-3531	1	17	study	study	NOUN
fsr-3531	1	18	of	of	ADP
fsr-3531	1	19	graduate	graduate	NOUN
fsr-3531	1	20	students	student	NOUN
fsr-3531	1	21	brent	brent	PROPN
fsr-3531	1	22	j.	j.	PROPN
fsr-3531	1	23	davisa	davisa	PROPN
fsr-3531	1	24	,	,	PUNCT
fsr-3531	1	25	*	*	PROPN
fsr-3531	1	26	,	,	PUNCT
fsr-3531	1	27	david	david	PROPN
fsr-3531	1	28	p.	p.	PROPN
fsr-3531	1	29	richardsona	richardsona	PROPN
fsr-3531	1	30	,	,	PUNCT
fsr-3531	1	31	jason	jason	PROPN
fsr-3531	1	32	s.	s.	PROPN
fsr-3531	1	33	seligmanb	seligmanb	PROPN
fsr-3531	1	34	atiaa	atiaa	PROPN
fsr-3531	1	35	institute	institute	PROPN
fsr-3531	1	36	,	,	PUNCT
fsr-3531	1	37	8500	8500	NUM
fsr-3531	1	38	andrew	andrew	PROPN
fsr-3531	1	39	carnegie	carnegie	PROPN
fsr-3531	1	40	boulevard	boulevard	PROPN
fsr-3531	1	41	,	,	PUNCT
fsr-3531	1	42	charlotte	charlotte	PROPN
fsr-3531	1	43	,	,	PUNCT
fsr-3531	1	44	nc	nc	PROPN
fsr-3531	1	45	28262	28262	NUM
fsr-3531	1	46	,	,	PUNCT
fsr-3531	1	47	usa	usa	PROPN
fsr-3531	1	48	binvestment	binvestment	PROPN
fsr-3531	1	49	company	company	PROPN
fsr-3531	1	50	institute	institute	NOUN
fsr-3531	1	51	,	,	PUNCT
fsr-3531	1	52	1401	1401	NUM
fsr-3531	1	53	h	h	PROPN
fsr-3531	1	54	street	street	PROPN
fsr-3531	1	55	nw	nw	PROPN
fsr-3531	1	56	,	,	PUNCT
fsr-3531	1	57	washington	washington	PROPN
fsr-3531	1	58	,	,	PUNCT
fsr-3531	1	59	dc	dc	PROPN
fsr-3531	1	60	20005	20005	NUM
fsr-3531	1	61	,	,	PUNCT
fsr-3531	1	62	usa	usa	PROPN
fsr-3531	1	63	abstract	abstract	NOUN
fsr-3531	1	64	we	we	PRON
fsr-3531	1	65	measure	measure	VERB
fsr-3531	1	66	the	the	DET
fsr-3531	1	67	relative	relative	ADJ
fsr-3531	1	68	need	need	NOUN
fsr-3531	1	69	and	and	CCONJ
fsr-3531	1	70	demand	demand	NOUN
fsr-3531	1	71	for	for	ADP
fsr-3531	1	72	financial	financial	ADJ
fsr-3531	1	73	education	education	NOUN
fsr-3531	1	74	programs	program	NOUN
fsr-3531	1	75	among	among	ADP
fsr-3531	1	76	graduate	graduate	ADJ
fsr-3531	1	77	students	student	NOUN
fsr-3531	1	78	at	at	ADP
fsr-3531	1	79	a	a	DET
fsr-3531	1	80	large	large	ADJ
fsr-3531	1	81	university	university	NOUN
fsr-3531	1	82	system	system	NOUN
fsr-3531	1	83	.	.	PUNCT
fsr-3531	2	1	we	we	PRON
fsr-3531	2	2	find	find	VERB
fsr-3531	2	3	that	that	SCONJ
fsr-3531	2	4	self	self	NOUN
fsr-3531	2	5	-	-	PUNCT
fsr-3531	2	6	assessed	assess	VERB
fsr-3531	2	7	and	and	CCONJ
fsr-3531	2	8	measured	measure	VERB
fsr-3531	2	9	financial	financial	ADJ
fsr-3531	2	10	literacy	literacy	NOUN
fsr-3531	2	11	is	be	AUX
fsr-3531	2	12	significantly	significantly	ADV
fsr-3531	2	13	related	relate	VERB
fsr-3531	2	14	to	to	ADP
fsr-3531	2	15	interest	interest	NOUN
fsr-3531	2	16	and	and	CCONJ
fsr-3531	2	17	demand	demand	NOUN
fsr-3531	2	18	for	for	ADP
fsr-3531	2	19	financial	financial	ADJ
fsr-3531	2	20	education	education	NOUN
fsr-3531	2	21	.	.	PUNCT
fsr-3531	3	1	individuals	individual	NOUN
fsr-3531	3	2	who	who	PRON
fsr-3531	3	3	self	self	NOUN
fsr-3531	3	4	-	-	PUNCT
fsr-3531	3	5	report	report	VERB
fsr-3531	3	6	a	a	DET
fsr-3531	3	7	high	high	ADJ
fsr-3531	3	8	level	level	NOUN
fsr-3531	3	9	of	of	ADP
fsr-3531	3	10	financial	financial	ADJ
fsr-3531	3	11	literacy	literacy	NOUN
fsr-3531	3	12	but	but	CCONJ
fsr-3531	3	13	have	have	VERB
fsr-3531	3	14	low	low	ADV
fsr-3531	3	15	measured	measure	VERB
fsr-3531	3	16	financial	financial	ADJ
fsr-3531	3	17	literacy	literacy	NOUN
fsr-3531	3	18	are	be	AUX
fsr-3531	3	19	significantly	significantly	ADV
fsr-3531	3	20	less	less	ADV
fsr-3531	3	21	likely	likely	ADJ
fsr-3531	3	22	to	to	PART
fsr-3531	3	23	be	be	AUX
fsr-3531	3	24	interested	interested	ADJ
fsr-3531	3	25	in	in	ADP
fsr-3531	3	26	financial	financial	ADJ
fsr-3531	3	27	education	education	NOUN
fsr-3531	3	28	,	,	PUNCT
fsr-3531	3	29	while	while	SCONJ
fsr-3531	3	30	the	the	DET
fsr-3531	3	31	opposite	opposite	NOUN
fsr-3531	3	32	is	be	AUX
fsr-3531	3	33	true	true	ADJ
fsr-3531	3	34	for	for	ADP
fsr-3531	3	35	financially	financially	ADV
fsr-3531	3	36	literate	literate	ADJ
fsr-3531	3	37	individuals	individual	NOUN
fsr-3531	3	38	selfreporting	selfreporte	VERB
fsr-3531	3	39	a	a	DET
fsr-3531	3	40	low	low	ADJ
fsr-3531	3	41	level	level	NOUN
fsr-3531	3	42	of	of	ADP
fsr-3531	3	43	financial	financial	ADJ
fsr-3531	3	44	literacy	literacy	NOUN
fsr-3531	3	45	.	.	PUNCT
fsr-3531	4	1	our	our	PRON
fsr-3531	4	2	study	study	NOUN
fsr-3531	4	3	adds	add	VERB
fsr-3531	4	4	to	to	PART
fsr-3531	4	5	research	research	NOUN
fsr-3531	4	6	showing	show	VERB
fsr-3531	4	7	the	the	DET
fsr-3531	4	8	importance	importance	NOUN
fsr-3531	4	9	of	of	ADP
fsr-3531	4	10	both	both	PRON
fsr-3531	4	11	believed	believe	VERB
fsr-3531	4	12	and	and	CCONJ
fsr-3531	4	13	actual	actual	ADJ
fsr-3531	4	14	financial	financial	ADJ
fsr-3531	4	15	literacy	literacy	NOUN
fsr-3531	4	16	measures	measure	NOUN
fsr-3531	4	17	and	and	CCONJ
fsr-3531	4	18	has	have	VERB
fsr-3531	4	19	implications	implication	NOUN
fsr-3531	4	20	for	for	ADP
fsr-3531	4	21	financial	financial	ADJ
fsr-3531	4	22	education	education	NOUN
fsr-3531	4	23	programs	program	NOUN
fsr-3531	4	24	.	.	PUNCT
fsr-3531	5	1	©	©	PROPN
fsr-3531	5	2	2023	2023	NUM
fsr-3531	5	3	academy	academy	NOUN
fsr-3531	5	4	of	of	ADP
fsr-3531	5	5	financial	financial	ADJ
fsr-3531	5	6	services	service	NOUN
fsr-3531	5	7	.	.	PUNCT
fsr-3531	6	1	all	all	DET
fsr-3531	6	2	rights	right	NOUN
fsr-3531	6	3	reserved	reserve	VERB
fsr-3531	6	4	.	.	PUNCT
fsr-3531	7	1	jel	jel	PROPN
fsr-3531	7	2	classifications	classification	NOUN
fsr-3531	7	3	:	:	PUNCT
fsr-3531	7	4	d14	d14	ADJ
fsr-3531	7	5	;	;	PUNCT
fsr-3531	7	6	g53	g53	NOUN
fsr-3531	7	7	keywords	keyword	NOUN
fsr-3531	7	8	:	:	PUNCT
fsr-3531	7	9	financial	financial	ADJ
fsr-3531	7	10	education	education	NOUN
fsr-3531	7	11	;	;	PUNCT
fsr-3531	7	12	financial	financial	ADJ
fsr-3531	7	13	literacy	literacy	NOUN
fsr-3531	7	14	;	;	PUNCT
fsr-3531	7	15	overconfidence	overconfidence	NOUN
fsr-3531	7	16	1	1	NUM
fsr-3531	7	17	.	.	PUNCT
fsr-3531	7	18	introduction	introduction	NOUN
fsr-3531	7	19	over	over	ADP
fsr-3531	7	20	the	the	DET
fsr-3531	7	21	last	last	ADJ
fsr-3531	7	22	several	several	ADJ
fsr-3531	7	23	decades	decade	NOUN
fsr-3531	7	24	,	,	PUNCT
fsr-3531	7	25	there	there	PRON
fsr-3531	7	26	has	have	AUX
fsr-3531	7	27	been	be	AUX
fsr-3531	7	28	a	a	DET
fsr-3531	7	29	substantial	substantial	ADJ
fsr-3531	7	30	increase	increase	NOUN
fsr-3531	7	31	in	in	ADP
fsr-3531	7	32	the	the	DET
fsr-3531	7	33	investment	investment	NOUN
fsr-3531	7	34	,	,	PUNCT
fsr-3531	7	35	health	health	NOUN
fsr-3531	7	36	,	,	PUNCT
fsr-3531	7	37	and	and	CCONJ
fsr-3531	7	38	longevity	longevity	NOUN
fsr-3531	7	39	risk	risk	NOUN
fsr-3531	7	40	burdens	burden	NOUN
fsr-3531	7	41	borne	bear	VERB
fsr-3531	7	42	by	by	ADP
fsr-3531	7	43	individuals	individual	NOUN
fsr-3531	7	44	.	.	PUNCT
fsr-3531	8	1	this	this	DET
fsr-3531	8	2	shift	shift	NOUN
fsr-3531	8	3	has	have	AUX
fsr-3531	8	4	increased	increase	VERB
fsr-3531	8	5	focus	focus	NOUN
fsr-3531	8	6	on	on	ADP
fsr-3531	8	7	the	the	DET
fsr-3531	8	8	importance	importance	NOUN
fsr-3531	8	9	of	of	ADP
fsr-3531	8	10	household	household	NOUN
fsr-3531	8	11	financial	financial	ADJ
fsr-3531	8	12	literacy	literacy	NOUN
fsr-3531	8	13	in	in	ADP
fsr-3531	8	14	managing	manage	VERB
fsr-3531	8	15	these	these	DET
fsr-3531	8	16	risks	risk	NOUN
fsr-3531	8	17	and	and	CCONJ
fsr-3531	8	18	enhancing	enhance	VERB
fsr-3531	8	19	financial	financial	ADJ
fsr-3531	8	20	well	well	NOUN
fsr-3531	8	21	-	-	PUNCT
fsr-3531	8	22	being	being	NOUN
fsr-3531	8	23	.	.	PUNCT
fsr-3531	9	1	as	as	SCONJ
fsr-3531	9	2	noted	note	VERB
fsr-3531	9	3	by	by	ADP
fsr-3531	9	4	lusardi	lusardi	PROPN
fsr-3531	9	5	and	and	CCONJ
fsr-3531	9	6	mitchell	mitchell	PROPN
fsr-3531	9	7	(	(	PUNCT
fsr-3531	9	8	2014	2014	NUM
fsr-3531	9	9	)	)	PUNCT
fsr-3531	9	10	,	,	PUNCT
fsr-3531	9	11	a	a	DET
fsr-3531	9	12	lack	lack	NOUN
fsr-3531	9	13	of	of	ADP
fsr-3531	9	14	financial	financial	ADJ
fsr-3531	9	15	literacy	literacy	NOUN
fsr-3531	9	16	can	can	AUX
fsr-3531	9	17	have	have	VERB
fsr-3531	9	18	long	long	ADJ
fsr-3531	9	19	-	-	PUNCT
fsr-3531	9	20	term	term	NOUN
fsr-3531	9	21	impacts	impact	NOUN
fsr-3531	9	22	on	on	ADP
fsr-3531	9	23	households	household	NOUN
fsr-3531	9	24	’	'	PUNCT
fsr-3531	9	25	financial	financial	ADJ
fsr-3531	9	26	well	well	NOUN
fsr-3531	9	27	-	-	PUNCT
fsr-3531	9	28	being	being	NOUN
fsr-3531	9	29	.	.	PUNCT
fsr-3531	10	1	for	for	ADP
fsr-3531	10	2	example	example	NOUN
fsr-3531	10	3	,	,	PUNCT
fsr-3531	10	4	not	not	PART
fsr-3531	10	5	properly	properly	ADV
fsr-3531	10	6	managing	manage	VERB
fsr-3531	10	7	*	*	PUNCT
fsr-3531	10	8	corresponding	correspond	VERB
fsr-3531	10	9	author	author	NOUN
fsr-3531	10	10	.	.	PUNCT
fsr-3531	11	1	tel	tel	PROPN
fsr-3531	11	2	.	.	PUNCT
fsr-3531	11	3	:	:	PUNCT
fsr-3531	12	1	+1	+1	PROPN
fsr-3531	12	2	-	-	PUNCT
fsr-3531	12	3	704	704	NUM
fsr-3531	12	4	-	-	PUNCT
fsr-3531	12	5	988	988	NUM
fsr-3531	12	6	-	-	SYM
fsr-3531	12	7	6271	6271	NUM
fsr-3531	12	8	.	.	PUNCT
fsr-3531	13	1	e	e	X
fsr-3531	13	2	-	-	NOUN
fsr-3531	13	3	mail	mail	NOUN
fsr-3531	13	4	address	address	NOUN
fsr-3531	13	5	:	:	PUNCT
fsr-3531	13	6	brent.davis@tiaa.org	brent.davis@tiaa.org	PROPN
fsr-3531	13	7	(	(	PUNCT
fsr-3531	13	8	b.	b.	PROPN
fsr-3531	13	9	j.	j.	PROPN
fsr-3531	13	10	davis	davis	PROPN
fsr-3531	13	11	)	)	PUNCT
fsr-3531	13	12	1057	1057	NUM
fsr-3531	13	13	-	-	SYM
fsr-3531	13	14	0810/23/$	0810/23/$	NUM
fsr-3531	13	15	–	–	PUNCT
fsr-3531	13	16	see	see	VERB
fsr-3531	13	17	front	front	ADJ
fsr-3531	13	18	matter	matter	NOUN
fsr-3531	13	19	©	©	PROPN
fsr-3531	13	20	2023	2023	NUM
fsr-3531	13	21	academy	academy	NOUN
fsr-3531	13	22	of	of	ADP
fsr-3531	13	23	financial	financial	ADJ
fsr-3531	13	24	services	service	NOUN
fsr-3531	13	25	.	.	PUNCT
fsr-3531	14	1	all	all	DET
fsr-3531	14	2	rights	right	NOUN
fsr-3531	14	3	reserved	reserve	VERB
fsr-3531	14	4	.	.	PUNCT
fsr-3531	15	1	financial	financial	ADJ
fsr-3531	15	2	services	service	NOUN
fsr-3531	15	3	review	review	VERB
fsr-3531	15	4	31	31	NUM
fsr-3531	15	5	(	(	PUNCT
fsr-3531	15	6	2023	2023	NUM
fsr-3531	15	7	)	)	PUNCT
fsr-3531	15	8	133–150	133–150	NUM
fsr-3531	15	9	debt	debt	NOUN
fsr-3531	15	10	or	or	CCONJ
fsr-3531	15	11	planning	planning	NOUN
fsr-3531	15	12	for	for	ADP
fsr-3531	15	13	retirement	retirement	NOUN
fsr-3531	15	14	can	can	AUX
fsr-3531	15	15	have	have	VERB
fsr-3531	15	16	substantial	substantial	ADJ
fsr-3531	15	17	impacts	impact	NOUN
fsr-3531	15	18	on	on	ADP
fsr-3531	15	19	financial	financial	ADJ
fsr-3531	15	20	well	well	NOUN
fsr-3531	15	21	-	-	PUNCT
fsr-3531	15	22	being	being	NOUN
fsr-3531	15	23	over	over	ADP
fsr-3531	15	24	the	the	DET
fsr-3531	15	25	lifecycle	lifecycle	NOUN
fsr-3531	15	26	.	.	PUNCT
fsr-3531	16	1	while	while	SCONJ
fsr-3531	16	2	recent	recent	ADJ
fsr-3531	16	3	research	research	NOUN
fsr-3531	16	4	has	have	AUX
fsr-3531	16	5	documented	document	VERB
fsr-3531	16	6	the	the	DET
fsr-3531	16	7	link	link	NOUN
fsr-3531	16	8	between	between	ADP
fsr-3531	16	9	low	low	ADJ
fsr-3531	16	10	financial	financial	ADJ
fsr-3531	16	11	literacy	literacy	NOUN
fsr-3531	16	12	and	and	CCONJ
fsr-3531	16	13	financial	financial	ADJ
fsr-3531	16	14	fragility	fragility	NOUN
fsr-3531	16	15	,	,	PUNCT
fsr-3531	16	16	many	many	ADJ
fsr-3531	16	17	adults	adult	NOUN
fsr-3531	16	18	continue	continue	VERB
fsr-3531	16	19	to	to	PART
fsr-3531	16	20	have	have	VERB
fsr-3531	16	21	poor	poor	ADJ
fsr-3531	16	22	understanding	understanding	NOUN
fsr-3531	16	23	of	of	ADP
fsr-3531	16	24	basic	basic	ADJ
fsr-3531	16	25	personal	personal	ADJ
fsr-3531	16	26	finance	finance	NOUN
fsr-3531	16	27	concepts.1	concepts.1	PROPN
fsr-3531	16	28	however	however	ADV
fsr-3531	16	29	,	,	PUNCT
fsr-3531	16	30	effectively	effectively	ADV
fsr-3531	16	31	engaging	engage	VERB
fsr-3531	16	32	individuals	individual	NOUN
fsr-3531	16	33	in	in	ADP
fsr-3531	16	34	improving	improve	VERB
fsr-3531	16	35	their	their	PRON
fsr-3531	16	36	financial	financial	ADJ
fsr-3531	16	37	literacy	literacy	NOUN
fsr-3531	16	38	has	have	AUX
fsr-3531	16	39	proven	prove	VERB
fsr-3531	16	40	challenging	challenging	ADJ
fsr-3531	16	41	.	.	PUNCT
fsr-3531	17	1	in	in	ADP
fsr-3531	17	2	this	this	DET
fsr-3531	17	3	paper	paper	NOUN
fsr-3531	17	4	,	,	PUNCT
fsr-3531	17	5	we	we	PRON
fsr-3531	17	6	conduct	conduct	VERB
fsr-3531	17	7	a	a	DET
fsr-3531	17	8	case	case	NOUN
fsr-3531	17	9	study	study	NOUN
fsr-3531	17	10	on	on	ADP
fsr-3531	17	11	the	the	DET
fsr-3531	17	12	need	need	NOUN
fsr-3531	17	13	and	and	CCONJ
fsr-3531	17	14	demand	demand	NOUN
fsr-3531	17	15	for	for	ADP
fsr-3531	17	16	financial	financial	ADJ
fsr-3531	17	17	education	education	NOUN
fsr-3531	17	18	programming	programming	NOUN
fsr-3531	17	19	by	by	ADP
fsr-3531	17	20	graduate	graduate	NOUN
fsr-3531	17	21	students	student	NOUN
fsr-3531	17	22	in	in	ADP
fsr-3531	17	23	a	a	DET
fsr-3531	17	24	large	large	ADJ
fsr-3531	17	25	university	university	NOUN
fsr-3531	17	26	system	system	NOUN
fsr-3531	17	27	.	.	PUNCT
fsr-3531	18	1	leveraging	leverage	VERB
fsr-3531	18	2	the	the	DET
fsr-3531	18	3	differences	difference	NOUN
fsr-3531	18	4	between	between	ADP
fsr-3531	18	5	self	self	NOUN
fsr-3531	18	6	-	-	PUNCT
fsr-3531	18	7	assessed	assess	VERB
fsr-3531	18	8	and	and	CCONJ
fsr-3531	18	9	actual	actual	ADJ
fsr-3531	18	10	financial	financial	ADJ
fsr-3531	18	11	literacy	literacy	NOUN
fsr-3531	18	12	levels	level	NOUN
fsr-3531	18	13	,	,	PUNCT
fsr-3531	18	14	we	we	PRON
fsr-3531	18	15	find	find	VERB
fsr-3531	18	16	that	that	SCONJ
fsr-3531	18	17	students	student	NOUN
fsr-3531	18	18	most	most	ADV
fsr-3531	18	19	in	in	ADP
fsr-3531	18	20	need	need	NOUN
fsr-3531	18	21	of	of	ADP
fsr-3531	18	22	additional	additional	ADJ
fsr-3531	18	23	financial	financial	ADJ
fsr-3531	18	24	education	education	NOUN
fsr-3531	18	25	are	be	AUX
fsr-3531	18	26	least	least	ADV
fsr-3531	18	27	likely	likely	ADJ
fsr-3531	18	28	to	to	PART
fsr-3531	18	29	take	take	VERB
fsr-3531	18	30	advantage	advantage	NOUN
fsr-3531	18	31	of	of	ADP
fsr-3531	18	32	programming	programming	NOUN
fsr-3531	18	33	.	.	PUNCT
fsr-3531	19	1	graduate	graduate	NOUN
fsr-3531	19	2	students	student	NOUN
fsr-3531	19	3	are	be	AUX
fsr-3531	19	4	good	good	ADJ
fsr-3531	19	5	candidates	candidate	NOUN
fsr-3531	19	6	to	to	PART
fsr-3531	19	7	receive	receive	VERB
fsr-3531	19	8	financial	financial	ADJ
fsr-3531	19	9	education	education	NOUN
fsr-3531	19	10	programming	programming	NOUN
fsr-3531	19	11	.	.	PUNCT
fsr-3531	20	1	they	they	PRON
fsr-3531	20	2	are	be	AUX
fsr-3531	20	3	among	among	ADP
fsr-3531	20	4	the	the	DET
fsr-3531	20	5	most	most	ADV
fsr-3531	20	6	receptive	receptive	ADJ
fsr-3531	20	7	consumers	consumer	NOUN
fsr-3531	20	8	of	of	ADP
fsr-3531	20	9	education	education	NOUN
fsr-3531	20	10	,	,	PUNCT
fsr-3531	20	11	command	command	NOUN
fsr-3531	20	12	commensurately	commensurately	ADV
fsr-3531	20	13	higher	high	ADJ
fsr-3531	20	14	lifetime	lifetime	NOUN
fsr-3531	20	15	earnings	earning	NOUN
fsr-3531	20	16	postgraduation	postgraduation	NOUN
fsr-3531	20	17	,	,	PUNCT
fsr-3531	20	18	and	and	CCONJ
fsr-3531	20	19	may	may	AUX
fsr-3531	20	20	be	be	AUX
fsr-3531	20	21	more	more	ADV
fsr-3531	20	22	likely	likely	ADJ
fsr-3531	20	23	to	to	PART
fsr-3531	20	24	have	have	VERB
fsr-3531	20	25	complex	complex	ADJ
fsr-3531	20	26	financial	financial	ADJ
fsr-3531	20	27	planning	planning	NOUN
fsr-3531	20	28	needs	need	VERB
fsr-3531	20	29	over	over	ADP
fsr-3531	20	30	the	the	DET
fsr-3531	20	31	lifecycle	lifecycle	NOUN
fsr-3531	20	32	.	.	PUNCT
fsr-3531	21	1	many	many	ADJ
fsr-3531	21	2	also	also	ADV
fsr-3531	21	3	have	have	VERB
fsr-3531	21	4	prior	prior	ADJ
fsr-3531	21	5	workforce	workforce	NOUN
fsr-3531	21	6	experience	experience	NOUN
fsr-3531	21	7	,	,	PUNCT
fsr-3531	21	8	which	which	PRON
fsr-3531	21	9	may	may	AUX
fsr-3531	21	10	expose	expose	VERB
fsr-3531	21	11	them	they	PRON
fsr-3531	21	12	to	to	ADP
fsr-3531	21	13	employer	employer	NOUN
fsr-3531	21	14	-	-	PUNCT
fsr-3531	21	15	sponsored	sponsor	VERB
fsr-3531	21	16	benefits	benefit	NOUN
fsr-3531	21	17	and	and	CCONJ
fsr-3531	21	18	retirement	retirement	NOUN
fsr-3531	21	19	savings	saving	NOUN
fsr-3531	21	20	plans	plan	NOUN
fsr-3531	21	21	.	.	PUNCT
fsr-3531	22	1	however	however	ADV
fsr-3531	22	2	,	,	PUNCT
fsr-3531	22	3	this	this	DET
fsr-3531	22	4	prior	prior	ADJ
fsr-3531	22	5	workforce	workforce	NOUN
fsr-3531	22	6	participation	participation	NOUN
fsr-3531	22	7	may	may	AUX
fsr-3531	22	8	make	make	VERB
fsr-3531	22	9	graduate	graduate	NOUN
fsr-3531	22	10	students	student	NOUN
fsr-3531	22	11	more	more	ADV
fsr-3531	22	12	anxious	anxious	ADJ
fsr-3531	22	13	about	about	ADP
fsr-3531	22	14	their	their	PRON
fsr-3531	22	15	financial	financial	ADJ
fsr-3531	22	16	security	security	NOUN
fsr-3531	22	17	due	due	ADP
fsr-3531	22	18	to	to	ADP
fsr-3531	22	19	low	low	ADJ
fsr-3531	22	20	earnings	earning	NOUN
fsr-3531	22	21	and	and	CCONJ
fsr-3531	22	22	savings	saving	NOUN
fsr-3531	22	23	and	and	CCONJ
fsr-3531	22	24	likely	likely	ADV
fsr-3531	22	25	increased	increase	VERB
fsr-3531	22	26	debt	debt	NOUN
fsr-3531	22	27	,	,	PUNCT
fsr-3531	22	28	during	during	ADP
fsr-3531	22	29	graduate	graduate	NOUN
fsr-3531	22	30	studies	study	NOUN
fsr-3531	22	31	.	.	PUNCT
fsr-3531	23	1	providing	provide	VERB
fsr-3531	23	2	financial	financial	ADJ
fsr-3531	23	3	education	education	NOUN
fsr-3531	23	4	programming	programming	NOUN
fsr-3531	23	5	during	during	ADP
fsr-3531	23	6	this	this	DET
fsr-3531	23	7	time	time	NOUN
fsr-3531	23	8	can	can	AUX
fsr-3531	23	9	help	help	VERB
fsr-3531	23	10	students	student	NOUN
fsr-3531	23	11	gain	gain	VERB
fsr-3531	23	12	confidence	confidence	NOUN
fsr-3531	23	13	in	in	ADP
fsr-3531	23	14	their	their	PRON
fsr-3531	23	15	long	long	ADJ
fsr-3531	23	16	-	-	PUNCT
fsr-3531	23	17	term	term	NOUN
fsr-3531	23	18	financial	financial	ADJ
fsr-3531	23	19	well	well	NOUN
fsr-3531	23	20	-	-	PUNCT
fsr-3531	23	21	being	being	NOUN
fsr-3531	23	22	.	.	PUNCT
fsr-3531	24	1	our	our	PRON
fsr-3531	24	2	interest	interest	NOUN
fsr-3531	24	3	in	in	ADP
fsr-3531	24	4	studying	study	VERB
fsr-3531	24	5	financial	financial	ADJ
fsr-3531	24	6	education	education	NOUN
fsr-3531	24	7	programming	programming	NOUN
fsr-3531	24	8	is	be	AUX
fsr-3531	24	9	whether	whether	SCONJ
fsr-3531	24	10	it	it	PRON
fsr-3531	24	11	is	be	AUX
fsr-3531	24	12	economically	economically	ADV
fsr-3531	24	13	rational	rational	ADJ
fsr-3531	24	14	for	for	SCONJ
fsr-3531	24	15	individuals	individual	NOUN
fsr-3531	24	16	to	to	PART
fsr-3531	24	17	invest	invest	VERB
fsr-3531	24	18	in	in	ADP
fsr-3531	24	19	financial	financial	ADJ
fsr-3531	24	20	education	education	NOUN
fsr-3531	24	21	,	,	PUNCT
fsr-3531	24	22	and	and	CCONJ
fsr-3531	24	23	relatedly	relatedly	ADV
fsr-3531	24	24	,	,	PUNCT
fsr-3531	24	25	can	can	AUX
fsr-3531	24	26	financial	financial	ADJ
fsr-3531	24	27	education	education	NOUN
fsr-3531	24	28	programs	program	NOUN
fsr-3531	24	29	improve	improve	VERB
fsr-3531	24	30	outcomes	outcome	NOUN
fsr-3531	24	31	.	.	PUNCT
fsr-3531	25	1	regarding	regard	VERB
fsr-3531	25	2	the	the	DET
fsr-3531	25	3	latter	latter	ADJ
fsr-3531	25	4	,	,	PUNCT
fsr-3531	25	5	evidence	evidence	NOUN
fsr-3531	25	6	increasingly	increasingly	ADV
fsr-3531	25	7	suggests	suggest	VERB
fsr-3531	25	8	that	that	SCONJ
fsr-3531	25	9	financial	financial	ADJ
fsr-3531	25	10	education	education	NOUN
fsr-3531	25	11	affects	affect	VERB
fsr-3531	25	12	outcomes	outcome	NOUN
fsr-3531	25	13	across	across	ADP
fsr-3531	25	14	a	a	DET
fsr-3531	25	15	variety	variety	NOUN
fsr-3531	25	16	of	of	ADP
fsr-3531	25	17	contexts.2	contexts.2	PROPN
fsr-3531	25	18	with	with	ADP
fsr-3531	25	19	respect	respect	NOUN
fsr-3531	25	20	to	to	ADP
fsr-3531	25	21	financial	financial	ADJ
fsr-3531	25	22	education	education	NOUN
fsr-3531	25	23	investment	investment	NOUN
fsr-3531	25	24	,	,	PUNCT
fsr-3531	25	25	lusardi	lusardi	PROPN
fsr-3531	25	26	,	,	PUNCT
fsr-3531	25	27	michaud	michaud	PROPN
fsr-3531	25	28	,	,	PUNCT
fsr-3531	25	29	and	and	CCONJ
fsr-3531	25	30	mitchell	mitchell	PROPN
fsr-3531	25	31	(	(	PUNCT
fsr-3531	25	32	2017	2017	NUM
fsr-3531	25	33	)	)	PUNCT
fsr-3531	25	34	discuss	discuss	VERB
fsr-3531	25	35	that	that	DET
fsr-3531	25	36	investment	investment	NOUN
fsr-3531	25	37	in	in	ADP
fsr-3531	25	38	financial	financial	ADJ
fsr-3531	25	39	literacy	literacy	NOUN
fsr-3531	25	40	should	should	AUX
fsr-3531	25	41	be	be	AUX
fsr-3531	25	42	a	a	DET
fsr-3531	25	43	function	function	NOUN
fsr-3531	25	44	of	of	ADP
fsr-3531	25	45	the	the	DET
fsr-3531	25	46	associated	associated	ADJ
fsr-3531	25	47	expected	expect	VERB
fsr-3531	25	48	benefits	benefit	NOUN
fsr-3531	25	49	.	.	PUNCT
fsr-3531	26	1	they	they	PRON
fsr-3531	26	2	find	find	VERB
fsr-3531	26	3	that	that	SCONJ
fsr-3531	26	4	low	low	ADJ
fsr-3531	26	5	-	-	PUNCT
fsr-3531	26	6	education	education	NOUN
fsr-3531	26	7	low	low	ADJ
fsr-3531	26	8	-	-	PUNCT
fsr-3531	26	9	lifetime	lifetime	NOUN
fsr-3531	26	10	income	income	NOUN
fsr-3531	26	11	groups	group	NOUN
fsr-3531	26	12	might	might	AUX
fsr-3531	26	13	rationally	rationally	ADV
fsr-3531	26	14	choose	choose	VERB
fsr-3531	26	15	not	not	PART
fsr-3531	26	16	to	to	PART
fsr-3531	26	17	invest	invest	VERB
fsr-3531	26	18	in	in	ADP
fsr-3531	26	19	obtaining	obtain	VERB
fsr-3531	26	20	financial	financial	ADJ
fsr-3531	26	21	literacy	literacy	NOUN
fsr-3531	26	22	skills	skill	NOUN
fsr-3531	26	23	because	because	SCONJ
fsr-3531	26	24	of	of	ADP
fsr-3531	26	25	their	their	PRON
fsr-3531	26	26	larger	large	ADJ
fsr-3531	26	27	relative	relative	ADJ
fsr-3531	26	28	reliance	reliance	NOUN
fsr-3531	26	29	on	on	ADP
fsr-3531	26	30	public	public	ADJ
fsr-3531	26	31	social	social	ADJ
fsr-3531	26	32	welfare	welfare	NOUN
fsr-3531	26	33	programs	program	NOUN
fsr-3531	26	34	.	.	PUNCT
fsr-3531	27	1	because	because	SCONJ
fsr-3531	27	2	our	our	PRON
fsr-3531	27	3	target	target	NOUN
fsr-3531	27	4	sample	sample	NOUN
fsr-3531	27	5	is	be	AUX
fsr-3531	27	6	of	of	ADP
fsr-3531	27	7	high	high	ADJ
fsr-3531	27	8	education	education	NOUN
fsr-3531	27	9	and	and	CCONJ
fsr-3531	27	10	higher	high	ADJ
fsr-3531	27	11	-	-	PUNCT
fsr-3531	27	12	than	than	ADP
fsr-3531	27	13	-	-	PUNCT
fsr-3531	27	14	median	median	NOUN
fsr-3531	27	15	expected	expect	VERB
fsr-3531	27	16	lifetime	lifetime	NOUN
fsr-3531	27	17	income	income	NOUN
fsr-3531	27	18	,	,	PUNCT
fsr-3531	27	19	they	they	PRON
fsr-3531	27	20	should	should	AUX
fsr-3531	27	21	rationally	rationally	ADV
fsr-3531	27	22	choose	choose	VERB
fsr-3531	27	23	to	to	PART
fsr-3531	27	24	invest	invest	VERB
fsr-3531	27	25	in	in	ADP
fsr-3531	27	26	financial	financial	ADJ
fsr-3531	27	27	literacy	literacy	NOUN
fsr-3531	27	28	education	education	NOUN
fsr-3531	27	29	.	.	PUNCT
fsr-3531	28	1	we	we	PRON
fsr-3531	28	2	measure	measure	VERB
fsr-3531	28	3	self	self	NOUN
fsr-3531	28	4	-	-	PUNCT
fsr-3531	28	5	assessed	assess	VERB
fsr-3531	28	6	and	and	CCONJ
fsr-3531	28	7	tested	test	VERB
fsr-3531	28	8	financial	financial	ADJ
fsr-3531	28	9	literacy	literacy	NOUN
fsr-3531	28	10	for	for	ADP
fsr-3531	28	11	graduate	graduate	ADJ
fsr-3531	28	12	students	student	NOUN
fsr-3531	28	13	in	in	ADP
fsr-3531	28	14	a	a	DET
fsr-3531	28	15	large	large	ADJ
fsr-3531	28	16	public	public	ADJ
fsr-3531	28	17	university	university	NOUN
fsr-3531	28	18	system	system	NOUN
fsr-3531	28	19	.	.	PUNCT
fsr-3531	29	1	similar	similar	ADJ
fsr-3531	29	2	to	to	ADP
fsr-3531	29	3	past	past	ADJ
fsr-3531	29	4	studies	study	NOUN
fsr-3531	29	5	,	,	PUNCT
fsr-3531	29	6	we	we	PRON
fsr-3531	29	7	find	find	VERB
fsr-3531	29	8	measurable	measurable	ADJ
fsr-3531	29	9	weakness	weakness	NOUN
fsr-3531	29	10	in	in	ADP
fsr-3531	29	11	the	the	DET
fsr-3531	29	12	populations	population	NOUN
fsr-3531	29	13	’	'	PUNCT
fsr-3531	29	14	understanding	understanding	NOUN
fsr-3531	29	15	of	of	ADP
fsr-3531	29	16	basic	basic	ADJ
fsr-3531	29	17	personal	personal	ADJ
fsr-3531	29	18	finance	finance	NOUN
fsr-3531	29	19	concepts	concept	NOUN
fsr-3531	29	20	,	,	PUNCT
fsr-3531	29	21	despite	despite	SCONJ
fsr-3531	29	22	most	most	ADJ
fsr-3531	29	23	students	student	NOUN
fsr-3531	29	24	expressing	express	VERB
fsr-3531	29	25	concern	concern	NOUN
fsr-3531	29	26	regarding	regard	VERB
fsr-3531	29	27	their	their	PRON
fsr-3531	29	28	own	own	ADJ
fsr-3531	29	29	personal	personal	ADJ
fsr-3531	29	30	finances	finance	NOUN
fsr-3531	29	31	.	.	PUNCT
fsr-3531	30	1	regarding	regard	VERB
fsr-3531	30	2	financial	financial	ADJ
fsr-3531	30	3	education	education	NOUN
fsr-3531	30	4	engagement	engagement	NOUN
fsr-3531	30	5	,	,	PUNCT
fsr-3531	30	6	we	we	PRON
fsr-3531	30	7	document	document	VERB
fsr-3531	30	8	two	two	NUM
fsr-3531	30	9	main	main	ADJ
fsr-3531	30	10	findings	finding	NOUN
fsr-3531	30	11	.	.	PUNCT
fsr-3531	31	1	the	the	DET
fsr-3531	31	2	first	first	ADJ
fsr-3531	31	3	is	be	AUX
fsr-3531	31	4	that	that	SCONJ
fsr-3531	31	5	interest	interest	NOUN
fsr-3531	31	6	in	in	ADP
fsr-3531	31	7	financial	financial	ADJ
fsr-3531	31	8	education	education	NOUN
fsr-3531	31	9	relates	relate	VERB
fsr-3531	31	10	significantly	significantly	ADV
fsr-3531	31	11	to	to	ADP
fsr-3531	31	12	an	an	DET
fsr-3531	31	13	individual	individual	NOUN
fsr-3531	31	14	’s	’s	PART
fsr-3531	31	15	self	self	NOUN
fsr-3531	31	16	-	-	PUNCT
fsr-3531	31	17	assessed	assess	VERB
fsr-3531	31	18	level	level	NOUN
fsr-3531	31	19	of	of	ADP
fsr-3531	31	20	financial	financial	ADJ
fsr-3531	31	21	knowledge	knowledge	NOUN
fsr-3531	31	22	relative	relative	ADJ
fsr-3531	31	23	to	to	ADP
fsr-3531	31	24	their	their	PRON
fsr-3531	31	25	actual	actual	ADJ
fsr-3531	31	26	measured	measure	VERB
fsr-3531	31	27	financial	financial	ADJ
fsr-3531	31	28	literacy	literacy	NOUN
fsr-3531	31	29	level	level	NOUN
fsr-3531	31	30	.	.	PUNCT
fsr-3531	32	1	individuals	individual	NOUN
fsr-3531	32	2	who	who	PRON
fsr-3531	32	3	estimate	estimate	VERB
fsr-3531	32	4	they	they	PRON
fsr-3531	32	5	have	have	VERB
fsr-3531	32	6	a	a	DET
fsr-3531	32	7	high	high	ADJ
fsr-3531	32	8	level	level	NOUN
fsr-3531	32	9	of	of	ADP
fsr-3531	32	10	financial	financial	ADJ
fsr-3531	32	11	literacy	literacy	NOUN
fsr-3531	32	12	but	but	CCONJ
fsr-3531	32	13	perform	perform	VERB
fsr-3531	32	14	poorly	poorly	ADV
fsr-3531	32	15	on	on	ADP
fsr-3531	32	16	a	a	DET
fsr-3531	32	17	financial	financial	ADJ
fsr-3531	32	18	literacy	literacy	NOUN
fsr-3531	32	19	quiz	quiz	NOUN
fsr-3531	32	20	are	be	AUX
fsr-3531	32	21	significantly	significantly	ADV
fsr-3531	32	22	less	less	ADV
fsr-3531	32	23	likely	likely	ADJ
fsr-3531	32	24	to	to	PART
fsr-3531	32	25	be	be	AUX
fsr-3531	32	26	interested	interested	ADJ
fsr-3531	32	27	in	in	ADP
fsr-3531	32	28	financial	financial	ADJ
fsr-3531	32	29	education	education	NOUN
fsr-3531	32	30	,	,	PUNCT
fsr-3531	32	31	while	while	SCONJ
fsr-3531	32	32	the	the	DET
fsr-3531	32	33	opposite	opposite	NOUN
fsr-3531	32	34	is	be	AUX
fsr-3531	32	35	true	true	ADJ
fsr-3531	32	36	for	for	ADP
fsr-3531	32	37	financially	financially	ADV
fsr-3531	32	38	literate	literate	ADJ
fsr-3531	32	39	students	student	NOUN
fsr-3531	32	40	who	who	PRON
fsr-3531	32	41	self	self	NOUN
fsr-3531	32	42	-	-	PUNCT
fsr-3531	32	43	report	report	VERB
fsr-3531	32	44	a	a	DET
fsr-3531	32	45	low	low	ADJ
fsr-3531	32	46	level	level	NOUN
fsr-3531	32	47	of	of	ADP
fsr-3531	32	48	financial	financial	ADJ
fsr-3531	32	49	acumen	acuman	NOUN
fsr-3531	32	50	.	.	PUNCT
fsr-3531	33	1	we	we	PRON
fsr-3531	33	2	also	also	ADV
fsr-3531	33	3	find	find	VERB
fsr-3531	33	4	that	that	SCONJ
fsr-3531	33	5	while	while	SCONJ
fsr-3531	33	6	receptivity	receptivity	NOUN
fsr-3531	33	7	to	to	ADP
fsr-3531	33	8	financial	financial	ADJ
fsr-3531	33	9	education	education	NOUN
fsr-3531	33	10	programming	programming	NOUN
fsr-3531	33	11	increases	increase	NOUN
fsr-3531	33	12	significantly	significantly	ADV
fsr-3531	33	13	with	with	ADP
fsr-3531	33	14	financial	financial	ADJ
fsr-3531	33	15	literacy	literacy	NOUN
fsr-3531	33	16	levels	level	NOUN
fsr-3531	33	17	,	,	PUNCT
fsr-3531	33	18	overall	overall	ADJ
fsr-3531	33	19	engagement	engagement	NOUN
fsr-3531	33	20	in	in	ADP
fsr-3531	33	21	financial	financial	ADJ
fsr-3531	33	22	education	education	NOUN
fsr-3531	33	23	is	be	AUX
fsr-3531	33	24	low	low	ADJ
fsr-3531	33	25	,	,	PUNCT
fsr-3531	33	26	despite	despite	SCONJ
fsr-3531	33	27	nearly	nearly	ADV
fsr-3531	33	28	half	half	NOUN
fsr-3531	33	29	of	of	ADP
fsr-3531	33	30	survey	survey	NOUN
fsr-3531	33	31	respondents	respondent	NOUN
fsr-3531	33	32	signaling	signal	VERB
fsr-3531	33	33	interest	interest	NOUN
fsr-3531	33	34	in	in	ADP
fsr-3531	33	35	programming	programming	NOUN
fsr-3531	33	36	.	.	PUNCT
fsr-3531	34	1	the	the	DET
fsr-3531	34	2	students	student	NOUN
fsr-3531	34	3	most	most	ADV
fsr-3531	34	4	likely	likely	ADJ
fsr-3531	34	5	to	to	PART
fsr-3531	34	6	indicate	indicate	VERB
fsr-3531	34	7	interest	interest	NOUN
fsr-3531	34	8	in	in	ADP
fsr-3531	34	9	financial	financial	ADJ
fsr-3531	34	10	education	education	NOUN
fsr-3531	34	11	are	be	AUX
fsr-3531	34	12	the	the	DET
fsr-3531	34	13	ones	one	NOUN
fsr-3531	34	14	with	with	ADP
fsr-3531	34	15	higher	high	ADJ
fsr-3531	34	16	financial	financial	ADJ
fsr-3531	34	17	literacy	literacy	NOUN
fsr-3531	34	18	and	and	CCONJ
fsr-3531	34	19	lower	low	ADJ
fsr-3531	34	20	overconfidence	overconfidence	NOUN
fsr-3531	34	21	in	in	ADP
fsr-3531	34	22	their	their	PRON
fsr-3531	34	23	financial	financial	ADJ
fsr-3531	34	24	literacy	literacy	NOUN
fsr-3531	34	25	.	.	PUNCT
fsr-3531	35	1	our	our	PRON
fsr-3531	35	2	work	work	NOUN
fsr-3531	35	3	adds	add	VERB
fsr-3531	35	4	to	to	ADP
fsr-3531	35	5	the	the	DET
fsr-3531	35	6	small	small	ADJ
fsr-3531	35	7	body	body	NOUN
fsr-3531	35	8	of	of	ADP
fsr-3531	35	9	existing	exist	VERB
fsr-3531	35	10	research	research	NOUN
fsr-3531	35	11	,	,	PUNCT
fsr-3531	35	12	namely	namely	ADV
fsr-3531	35	13	allgood	allgood	NOUN
fsr-3531	35	14	and	and	CCONJ
fsr-3531	35	15	walstad	walstad	PROPN
fsr-3531	35	16	134	134	NUM
fsr-3531	35	17	b.	b.	PROPN
fsr-3531	35	18	j.	j.	PROPN
fsr-3531	35	19	davis	davis	PROPN
fsr-3531	35	20	et	et	PROPN
fsr-3531	35	21	al	al	PROPN
fsr-3531	35	22	.	.	PUNCT
fsr-3531	35	23	/	/	SYM
fsr-3531	35	24	financial	financial	ADJ
fsr-3531	35	25	services	service	NOUN
fsr-3531	35	26	review	review	VERB
fsr-3531	35	27	31	31	NUM
fsr-3531	35	28	(	(	PUNCT
fsr-3531	35	29	2023	2023	NUM
fsr-3531	35	30	)	)	PUNCT
fsr-3531	36	1	133–150	133–150	NUM
fsr-3531	36	2	(	(	PUNCT
fsr-3531	36	3	2016	2016	NUM
fsr-3531	36	4	)	)	PUNCT
fsr-3531	36	5	and	and	CCONJ
fsr-3531	36	6	anderson	anderson	PROPN
fsr-3531	36	7	et	et	PROPN
fsr-3531	36	8	al	al	PROPN
fsr-3531	36	9	.	.	PROPN
fsr-3531	36	10	(	(	PUNCT
fsr-3531	36	11	2017	2017	NUM
fsr-3531	36	12	)	)	PUNCT
fsr-3531	36	13	,	,	PUNCT
fsr-3531	36	14	that	that	PRON
fsr-3531	36	15	perceived	perceive	VERB
fsr-3531	36	16	financial	financial	ADJ
fsr-3531	36	17	literacy	literacy	NOUN
fsr-3531	36	18	and	and	CCONJ
fsr-3531	36	19	actual	actual	ADJ
fsr-3531	36	20	financial	financial	ADJ
fsr-3531	36	21	literacy	literacy	NOUN
fsr-3531	36	22	are	be	AUX
fsr-3531	36	23	dually	dually	ADV
fsr-3531	36	24	important	important	ADJ
fsr-3531	36	25	.	.	PUNCT
fsr-3531	37	1	our	our	PRON
fsr-3531	37	2	results	result	NOUN
fsr-3531	37	3	indicate	indicate	VERB
fsr-3531	37	4	that	that	SCONJ
fsr-3531	37	5	employers	employer	NOUN
fsr-3531	37	6	using	use	VERB
fsr-3531	37	7	financial	financial	ADJ
fsr-3531	37	8	education	education	NOUN
fsr-3531	37	9	programming	programming	NOUN
fsr-3531	37	10	need	need	VERB
fsr-3531	37	11	to	to	PART
fsr-3531	37	12	adopt	adopt	VERB
fsr-3531	37	13	innovative	innovative	ADJ
fsr-3531	37	14	engagement	engagement	NOUN
fsr-3531	37	15	strategies	strategy	NOUN
fsr-3531	37	16	to	to	PART
fsr-3531	37	17	improve	improve	VERB
fsr-3531	37	18	the	the	DET
fsr-3531	37	19	financial	financial	ADJ
fsr-3531	37	20	literacy	literacy	NOUN
fsr-3531	37	21	and	and	CCONJ
fsr-3531	37	22	well	well	ADV
fsr-3531	37	23	-	-	PUNCT
fsr-3531	37	24	being	being	NOUN
fsr-3531	37	25	of	of	ADP
fsr-3531	37	26	those	those	DET
fsr-3531	37	27	employees	employee	NOUN
fsr-3531	37	28	who	who	PRON
fsr-3531	37	29	need	need	VERB
fsr-3531	37	30	it	it	PRON
fsr-3531	37	31	most	most	ADJ
fsr-3531	37	32	.	.	PUNCT
fsr-3531	38	1	2	2	X
fsr-3531	38	2	.	.	X
fsr-3531	38	3	research	research	NOUN
fsr-3531	38	4	design	design	NOUN
fsr-3531	38	5	and	and	CCONJ
fsr-3531	38	6	methodology	methodology	NOUN
fsr-3531	38	7	our	our	PRON
fsr-3531	38	8	educational	educational	ADJ
fsr-3531	38	9	protocol	protocol	NOUN
fsr-3531	38	10	was	be	AUX
fsr-3531	38	11	developed	develop	VERB
fsr-3531	38	12	using	use	VERB
fsr-3531	38	13	an	an	DET
fsr-3531	38	14	early	early	ADJ
fsr-3531	38	15	career	career	NOUN
fsr-3531	38	16	workplace	workplace	NOUN
fsr-3531	38	17	education	education	NOUN
fsr-3531	38	18	offering	offering	NOUN
fsr-3531	38	19	from	from	ADP
fsr-3531	38	20	a	a	DET
fsr-3531	38	21	large	large	ADJ
fsr-3531	38	22	financial	financial	ADJ
fsr-3531	38	23	services	service	NOUN
fsr-3531	38	24	organization.3	organization.3	PROPN
fsr-3531	38	25	we	we	PRON
fsr-3531	38	26	targeted	target	VERB
fsr-3531	38	27	the	the	DET
fsr-3531	38	28	financial	financial	ADJ
fsr-3531	38	29	education	education	NOUN
fsr-3531	38	30	offering	offering	NOUN
fsr-3531	38	31	to	to	ADP
fsr-3531	38	32	the	the	DET
fsr-3531	38	33	entire	entire	ADJ
fsr-3531	38	34	pool	pool	NOUN
fsr-3531	38	35	of	of	ADP
fsr-3531	38	36	graduate	graduate	ADJ
fsr-3531	38	37	students	student	NOUN
fsr-3531	38	38	with	with	ADP
fsr-3531	38	39	the	the	DET
fsr-3531	38	40	following	follow	VERB
fsr-3531	38	41	research	research	NOUN
fsr-3531	38	42	protocol	protocol	NOUN
fsr-3531	38	43	.	.	PUNCT
fsr-3531	39	1	at	at	ADP
fsr-3531	39	2	the	the	DET
fsr-3531	39	3	beginning	beginning	NOUN
fsr-3531	39	4	of	of	ADP
fsr-3531	39	5	the	the	DET
fsr-3531	39	6	academic	academic	ADJ
fsr-3531	39	7	year	year	NOUN
fsr-3531	39	8	,	,	PUNCT
fsr-3531	39	9	and	and	CCONJ
fsr-3531	39	10	ahead	ahead	ADV
fsr-3531	39	11	of	of	ADP
fsr-3531	39	12	inviting	invite	VERB
fsr-3531	39	13	the	the	DET
fsr-3531	39	14	graduate	graduate	ADJ
fsr-3531	39	15	student	student	NOUN
fsr-3531	39	16	population	population	NOUN
fsr-3531	39	17	to	to	PART
fsr-3531	39	18	take	take	VERB
fsr-3531	39	19	our	our	PRON
fsr-3531	39	20	initial	initial	ADJ
fsr-3531	39	21	survey	survey	NOUN
fsr-3531	39	22	,	,	PUNCT
fsr-3531	39	23	we	we	PRON
fsr-3531	39	24	developed	develop	VERB
fsr-3531	39	25	a	a	DET
fsr-3531	39	26	series	series	NOUN
fsr-3531	39	27	of	of	ADP
fsr-3531	39	28	prompts	prompt	NOUN
fsr-3531	39	29	.	.	PUNCT
fsr-3531	40	1	these	these	PRON
fsr-3531	40	2	consisted	consist	VERB
fsr-3531	40	3	of	of	ADP
fsr-3531	40	4	5	5	NUM
fsr-3531	40	5	!	!	SYM
fsr-3531	40	6	7	7	NUM
fsr-3531	40	7	inch	inch	NOUN
fsr-3531	40	8	postcards	postcard	NOUN
fsr-3531	40	9	announcing	announce	VERB
fsr-3531	40	10	the	the	DET
fsr-3531	40	11	project	project	NOUN
fsr-3531	40	12	with	with	ADP
fsr-3531	40	13	lighthearted	lighthearted	ADJ
fsr-3531	40	14	financial	financial	ADJ
fsr-3531	40	15	literacy	literacy	NOUN
fsr-3531	40	16	questions	question	NOUN
fsr-3531	40	17	on	on	ADP
fsr-3531	40	18	a	a	DET
fsr-3531	40	19	front	front	ADJ
fsr-3531	40	20	side	side	NOUN
fsr-3531	40	21	and	and	CCONJ
fsr-3531	40	22	the	the	DET
fsr-3531	40	23	correct	correct	ADJ
fsr-3531	40	24	answer	answer	NOUN
fsr-3531	40	25	along	along	ADP
fsr-3531	40	26	with	with	ADP
fsr-3531	40	27	a	a	DET
fsr-3531	40	28	description	description	NOUN
fsr-3531	40	29	of	of	ADP
fsr-3531	40	30	what	what	PRON
fsr-3531	40	31	to	to	PART
fsr-3531	40	32	expect	expect	VERB
fsr-3531	40	33	next	next	ADV
fsr-3531	40	34	on	on	ADP
fsr-3531	40	35	the	the	DET
fsr-3531	40	36	back.4	back.4	NOUN
fsr-3531	40	37	we	we	PRON
fsr-3531	40	38	developed	develop	VERB
fsr-3531	40	39	three	three	NUM
fsr-3531	40	40	distinct	distinct	ADJ
fsr-3531	40	41	cards	card	NOUN
fsr-3531	40	42	,	,	PUNCT
fsr-3531	40	43	with	with	ADP
fsr-3531	40	44	the	the	DET
fsr-3531	40	45	goal	goal	NOUN
fsr-3531	40	46	that	that	PRON
fsr-3531	40	47	students	student	NOUN
fsr-3531	40	48	might	might	AUX
fsr-3531	40	49	compare	compare	VERB
fsr-3531	40	50	the	the	DET
fsr-3531	40	51	particular	particular	ADJ
fsr-3531	40	52	card	card	NOUN
fsr-3531	40	53	they	they	PRON
fsr-3531	40	54	received	receive	VERB
fsr-3531	40	55	to	to	ADP
fsr-3531	40	56	others	other	NOUN
fsr-3531	40	57	and	and	CCONJ
fsr-3531	40	58	discuss	discuss	VERB
fsr-3531	40	59	them	they	PRON
fsr-3531	40	60	.	.	PUNCT
fsr-3531	41	1	regarding	regard	VERB
fsr-3531	41	2	signals	signal	NOUN
fsr-3531	41	3	of	of	ADP
fsr-3531	41	4	validity	validity	NOUN
fsr-3531	41	5	,	,	PUNCT
fsr-3531	41	6	integrity	integrity	NOUN
fsr-3531	41	7	,	,	PUNCT
fsr-3531	41	8	and	and	CCONJ
fsr-3531	41	9	quality	quality	NOUN
fsr-3531	41	10	of	of	ADP
fsr-3531	41	11	the	the	DET
fsr-3531	41	12	effort	effort	NOUN
fsr-3531	41	13	,	,	PUNCT
fsr-3531	41	14	the	the	DET
fsr-3531	41	15	cards	card	NOUN
fsr-3531	41	16	prominently	prominently	ADV
fsr-3531	41	17	featured	feature	VERB
fsr-3531	41	18	the	the	DET
fsr-3531	41	19	collaborating	collaborate	VERB
fsr-3531	41	20	university	university	NOUN
fsr-3531	41	21	and	and	CCONJ
fsr-3531	41	22	were	be	AUX
fsr-3531	41	23	placed	place	VERB
fsr-3531	41	24	in	in	ADP
fsr-3531	41	25	orientation	orientation	NOUN
fsr-3531	41	26	packets	packet	NOUN
fsr-3531	41	27	for	for	ADP
fsr-3531	41	28	incoming	incoming	ADJ
fsr-3531	41	29	students	student	NOUN
fsr-3531	41	30	by	by	ADP
fsr-3531	41	31	the	the	DET
fsr-3531	41	32	university	university	NOUN
fsr-3531	41	33	.	.	PUNCT
fsr-3531	42	1	the	the	DET
fsr-3531	42	2	university	university	NOUN
fsr-3531	42	3	also	also	ADV
fsr-3531	42	4	placed	place	VERB
fsr-3531	42	5	cards	card	NOUN
fsr-3531	42	6	at	at	ADP
fsr-3531	42	7	each	each	DET
fsr-3531	42	8	department	department	NOUN
fsr-3531	42	9	’s	’s	PART
fsr-3531	42	10	reception	reception	NOUN
fsr-3531	42	11	desk	desk	NOUN
fsr-3531	42	12	.	.	PUNCT
fsr-3531	43	1	a	a	DET
fsr-3531	43	2	research	research	NOUN
fsr-3531	43	3	assistant	assistant	NOUN
fsr-3531	43	4	(	(	PUNCT
fsr-3531	43	5	ra	ra	NOUN
fsr-3531	43	6	)	)	PUNCT
fsr-3531	43	7	was	be	AUX
fsr-3531	43	8	assigned	assign	VERB
fsr-3531	43	9	to	to	PART
fsr-3531	43	10	attend	attend	VERB
fsr-3531	43	11	graduate	graduate	NOUN
fsr-3531	43	12	student	student	NOUN
fsr-3531	43	13	council	council	NOUN
fsr-3531	43	14	meetings	meeting	NOUN
fsr-3531	43	15	and	and	CCONJ
fsr-3531	43	16	other	other	ADJ
fsr-3531	43	17	graduate	graduate	NOUN
fsr-3531	43	18	student	student	NOUN
fsr-3531	43	19	group	group	NOUN
fsr-3531	43	20	meetings	meeting	NOUN
fsr-3531	43	21	of	of	ADP
fsr-3531	43	22	various	various	ADJ
fsr-3531	43	23	types	type	NOUN
fsr-3531	43	24	across	across	ADP
fsr-3531	43	25	the	the	DET
fsr-3531	43	26	university	university	NOUN
fsr-3531	43	27	system	system	NOUN
fsr-3531	43	28	.	.	PUNCT
fsr-3531	44	1	in	in	ADP
fsr-3531	44	2	these	these	DET
fsr-3531	44	3	student	student	NOUN
fsr-3531	44	4	meetings	meeting	NOUN
fsr-3531	44	5	,	,	PUNCT
fsr-3531	44	6	the	the	DET
fsr-3531	44	7	ra	ra	PROPN
fsr-3531	44	8	was	be	AUX
fsr-3531	44	9	granted	grant	VERB
fsr-3531	44	10	five	five	NUM
fsr-3531	44	11	-	-	PUNCT
fsr-3531	44	12	minute	minute	NOUN
fsr-3531	44	13	slots	slot	NOUN
fsr-3531	44	14	to	to	PART
fsr-3531	44	15	discuss	discuss	VERB
fsr-3531	44	16	the	the	DET
fsr-3531	44	17	project	project	NOUN
fsr-3531	44	18	and	and	CCONJ
fsr-3531	44	19	the	the	DET
fsr-3531	44	20	potential	potential	ADJ
fsr-3531	44	21	benefits	benefit	NOUN
fsr-3531	44	22	of	of	ADP
fsr-3531	44	23	participation	participation	NOUN
fsr-3531	44	24	and	and	CCONJ
fsr-3531	44	25	left	leave	VERB
fsr-3531	44	26	cards	card	NOUN
fsr-3531	44	27	at	at	ADP
fsr-3531	44	28	each	each	DET
fsr-3531	44	29	meeting.5	meeting.5	NOUN
fsr-3531	44	30	two	two	NUM
fsr-3531	44	31	weeks	week	NOUN
fsr-3531	44	32	after	after	SCONJ
fsr-3531	44	33	the	the	DET
fsr-3531	44	34	cards	card	NOUN
fsr-3531	44	35	were	be	AUX
fsr-3531	44	36	distributed	distribute	VERB
fsr-3531	44	37	initial	initial	ADJ
fsr-3531	44	38	invitations	invitation	NOUN
fsr-3531	44	39	for	for	ADP
fsr-3531	44	40	the	the	DET
fsr-3531	44	41	online	online	ADJ
fsr-3531	44	42	survey	survey	NOUN
fsr-3531	44	43	were	be	AUX
fsr-3531	44	44	sent	send	VERB
fsr-3531	44	45	to	to	ADP
fsr-3531	44	46	all	all	DET
fsr-3531	44	47	graduate	graduate	ADJ
fsr-3531	44	48	students	student	NOUN
fsr-3531	44	49	(	(	PUNCT
fsr-3531	44	50	17,819	17,819	NUM
fsr-3531	44	51	)	)	PUNCT
fsr-3531	44	52	in	in	ADP
fsr-3531	44	53	a	a	DET
fsr-3531	44	54	large	large	ADJ
fsr-3531	44	55	public	public	ADJ
fsr-3531	44	56	university	university	NOUN
fsr-3531	44	57	system	system	NOUN
fsr-3531	44	58	.	.	PUNCT
fsr-3531	45	1	these	these	DET
fsr-3531	45	2	invitations	invitation	NOUN
fsr-3531	45	3	were	be	AUX
fsr-3531	45	4	designed	design	VERB
fsr-3531	45	5	to	to	PART
fsr-3531	45	6	resonate	resonate	VERB
fsr-3531	45	7	with	with	ADP
fsr-3531	45	8	the	the	DET
fsr-3531	45	9	information	information	NOUN
fsr-3531	45	10	on	on	ADP
fsr-3531	45	11	the	the	DET
fsr-3531	45	12	cards	card	NOUN
fsr-3531	45	13	we	we	PRON
fsr-3531	45	14	had	have	AUX
fsr-3531	45	15	just	just	ADV
fsr-3531	45	16	distributed	distribute	VERB
fsr-3531	45	17	.	.	PUNCT
fsr-3531	46	1	the	the	DET
fsr-3531	46	2	survey	survey	NOUN
fsr-3531	46	3	was	be	AUX
fsr-3531	46	4	designed	design	VERB
fsr-3531	46	5	to	to	PART
fsr-3531	46	6	record	record	VERB
fsr-3531	46	7	information	information	NOUN
fsr-3531	46	8	on	on	ADP
fsr-3531	46	9	students	student	NOUN
fsr-3531	46	10	’	’	PART
fsr-3531	46	11	individual	individual	ADJ
fsr-3531	46	12	and	and	CCONJ
fsr-3531	46	13	educational	educational	ADJ
fsr-3531	46	14	characteristics	characteristic	NOUN
fsr-3531	46	15	,	,	PUNCT
fsr-3531	46	16	financial	financial	ADJ
fsr-3531	46	17	aspirations	aspiration	NOUN
fsr-3531	46	18	,	,	PUNCT
fsr-3531	46	19	personal	personal	ADJ
fsr-3531	46	20	financial	financial	ADJ
fsr-3531	46	21	concerns	concern	NOUN
fsr-3531	46	22	,	,	PUNCT
fsr-3531	46	23	self	self	NOUN
fsr-3531	46	24	-	-	PUNCT
fsr-3531	46	25	assessed	assess	VERB
fsr-3531	46	26	financial	financial	ADJ
fsr-3531	46	27	acumen	acuman	NOUN
fsr-3531	46	28	,	,	PUNCT
fsr-3531	46	29	and	and	CCONJ
fsr-3531	46	30	a	a	DET
fsr-3531	46	31	financial	financial	ADJ
fsr-3531	46	32	literacy	literacy	NOUN
fsr-3531	46	33	quiz.6	quiz.6	PROPN
fsr-3531	46	34	once	once	SCONJ
fsr-3531	46	35	the	the	DET
fsr-3531	46	36	survey	survey	NOUN
fsr-3531	46	37	was	be	AUX
fsr-3531	46	38	completed	complete	VERB
fsr-3531	46	39	,	,	PUNCT
fsr-3531	46	40	we	we	PRON
fsr-3531	46	41	provided	provide	VERB
fsr-3531	46	42	quiz	quiz	NOUN
fsr-3531	46	43	scores	score	NOUN
fsr-3531	46	44	to	to	ADP
fsr-3531	46	45	students	student	NOUN
fsr-3531	46	46	and	and	CCONJ
fsr-3531	46	47	offered	offer	VERB
fsr-3531	46	48	them	they	PRON
fsr-3531	46	49	the	the	DET
fsr-3531	46	50	correct	correct	ADJ
fsr-3531	46	51	answers	answer	NOUN
fsr-3531	46	52	to	to	ADP
fsr-3531	46	53	missed	miss	VERB
fsr-3531	46	54	questions	question	NOUN
fsr-3531	46	55	.	.	PUNCT
fsr-3531	47	1	we	we	PRON
fsr-3531	47	2	then	then	ADV
fsr-3531	47	3	asked	ask	VERB
fsr-3531	47	4	whether	whether	SCONJ
fsr-3531	47	5	a	a	DET
fsr-3531	47	6	respondent	respondent	NOUN
fsr-3531	47	7	was	be	AUX
fsr-3531	47	8	interested	interested	ADJ
fsr-3531	47	9	in	in	ADP
fsr-3531	47	10	taking	take	VERB
fsr-3531	47	11	part	part	NOUN
fsr-3531	47	12	in	in	ADP
fsr-3531	47	13	a	a	DET
fsr-3531	47	14	financial	financial	ADJ
fsr-3531	47	15	education	education	NOUN
fsr-3531	47	16	seminar	seminar	NOUN
fsr-3531	47	17	or	or	CCONJ
fsr-3531	47	18	webinar	webinar	NOUN
fsr-3531	47	19	in	in	ADP
fsr-3531	47	20	the	the	DET
fsr-3531	47	21	near	near	ADJ
fsr-3531	47	22	future	future	NOUN
fsr-3531	47	23	.	.	PUNCT
fsr-3531	48	1	our	our	PRON
fsr-3531	48	2	survey	survey	NOUN
fsr-3531	48	3	was	be	AUX
fsr-3531	48	4	open	open	ADJ
fsr-3531	48	5	for	for	ADP
fsr-3531	48	6	one	one	NUM
fsr-3531	48	7	month	month	NOUN
fsr-3531	48	8	between	between	ADP
fsr-3531	48	9	mid	mid	PROPN
fsr-3531	48	10	-	-	PROPN
fsr-3531	48	11	september	september	PROPN
fsr-3531	48	12	and	and	CCONJ
fsr-3531	48	13	mid	mid	PROPN
fsr-3531	48	14	-	-	PROPN
fsr-3531	48	15	october	october	PROPN
fsr-3531	48	16	,	,	PUNCT
fsr-3531	48	17	ahead	ahead	ADV
fsr-3531	48	18	of	of	ADP
fsr-3531	48	19	midterm	midterm	NOUN
fsr-3531	48	20	examinations	examination	NOUN
fsr-3531	48	21	.	.	PUNCT
fsr-3531	49	1	over	over	ADP
fsr-3531	49	2	this	this	DET
fsr-3531	49	3	four	four	NUM
fsr-3531	49	4	-	-	PUNCT
fsr-3531	49	5	week	week	NOUN
fsr-3531	49	6	period	period	NOUN
fsr-3531	49	7	the	the	DET
fsr-3531	49	8	student	student	NOUN
fsr-3531	49	9	received	receive	VERB
fsr-3531	49	10	an	an	DET
fsr-3531	49	11	initial	initial	ADJ
fsr-3531	49	12	invitation	invitation	NOUN
fsr-3531	49	13	and	and	CCONJ
fsr-3531	49	14	up	up	ADP
fsr-3531	49	15	to	to	PART
fsr-3531	49	16	four	four	NUM
fsr-3531	49	17	reminders	reminder	NOUN
fsr-3531	49	18	targeted	target	VERB
fsr-3531	49	19	to	to	ADP
fsr-3531	49	20	students	student	NOUN
fsr-3531	49	21	who	who	PRON
fsr-3531	49	22	had	have	AUX
fsr-3531	49	23	not	not	PART
fsr-3531	49	24	taken	take	VERB
fsr-3531	49	25	the	the	DET
fsr-3531	49	26	survey	survey	NOUN
fsr-3531	49	27	nor	nor	CCONJ
fsr-3531	49	28	opted	opt	VERB
fsr-3531	49	29	out	out	ADP
fsr-3531	49	30	of	of	ADP
fsr-3531	49	31	email	email	NOUN
fsr-3531	49	32	engagement	engagement	NOUN
fsr-3531	49	33	.	.	PUNCT
fsr-3531	50	1	initial	initial	ADJ
fsr-3531	50	2	and	and	CCONJ
fsr-3531	50	3	reminder	reminder	NOUN
fsr-3531	50	4	response	response	NOUN
fsr-3531	50	5	survey	survey	NOUN
fsr-3531	50	6	engagement	engagement	NOUN
fsr-3531	50	7	rates	rate	NOUN
fsr-3531	50	8	are	be	AUX
fsr-3531	50	9	shown	show	VERB
fsr-3531	50	10	in	in	ADP
fsr-3531	50	11	fig	fig	NOUN
fsr-3531	50	12	.	.	PUNCT
fsr-3531	51	1	1	1	X
fsr-3531	51	2	.	.	X
fsr-3531	52	1	our	our	PRON
fsr-3531	52	2	email	email	NOUN
fsr-3531	52	3	prompts	prompt	VERB
fsr-3531	52	4	to	to	PART
fsr-3531	52	5	engage	engage	VERB
fsr-3531	52	6	the	the	DET
fsr-3531	52	7	survey	survey	NOUN
fsr-3531	52	8	were	be	AUX
fsr-3531	52	9	successful	successful	ADJ
fsr-3531	52	10	with	with	ADP
fsr-3531	52	11	approximately	approximately	ADV
fsr-3531	52	12	60	60	NUM
fsr-3531	52	13	%	%	NOUN
fsr-3531	52	14	of	of	ADP
fsr-3531	52	15	the	the	DET
fsr-3531	52	16	survey	survey	NOUN
fsr-3531	52	17	sample	sample	NOUN
fsr-3531	52	18	engaged	engage	VERB
fsr-3531	52	19	the	the	DET
fsr-3531	52	20	survey	survey	NOUN
fsr-3531	52	21	following	follow	VERB
fsr-3531	52	22	a	a	DET
fsr-3531	52	23	reminder	reminder	NOUN
fsr-3531	52	24	as	as	ADP
fsr-3531	52	25	seen	see	VERB
fsr-3531	52	26	with	with	ADP
fsr-3531	52	27	the	the	DET
fsr-3531	52	28	spikes	spike	NOUN
fsr-3531	52	29	in	in	ADP
fsr-3531	52	30	the	the	DET
fsr-3531	52	31	response	response	NOUN
fsr-3531	52	32	rate	rate	NOUN
fsr-3531	52	33	,	,	PUNCT
fsr-3531	52	34	supporting	support	VERB
fsr-3531	52	35	dechausay	dechausay	PROPN
fsr-3531	52	36	et	et	PROPN
fsr-3531	52	37	al	al	PROPN
fsr-3531	52	38	.	.	PROPN
fsr-3531	52	39	’s	’s	PART
fsr-3531	52	40	(	(	PUNCT
fsr-3531	52	41	2015	2015	NUM
fsr-3531	52	42	)	)	PUNCT
fsr-3531	52	43	result	result	VERB
fsr-3531	52	44	that	that	SCONJ
fsr-3531	52	45	reminders	reminder	NOUN
fsr-3531	52	46	can	can	AUX
fsr-3531	52	47	improve	improve	VERB
fsr-3531	52	48	engagement	engagement	NOUN
fsr-3531	52	49	.	.	PUNCT
fsr-3531	53	1	from	from	ADP
fsr-3531	53	2	the	the	DET
fsr-3531	53	3	initial	initial	ADJ
fsr-3531	53	4	invite	invite	NOUN
fsr-3531	53	5	population	population	NOUN
fsr-3531	53	6	,	,	PUNCT
fsr-3531	53	7	2,487	2,487	NUM
fsr-3531	53	8	students	student	NOUN
fsr-3531	53	9	(	(	PUNCT
fsr-3531	53	10	14	14	NUM
fsr-3531	53	11	%	%	NOUN
fsr-3531	53	12	)	)	PUNCT
fsr-3531	53	13	engaged	engage	VERB
fsr-3531	53	14	the	the	DET
fsr-3531	53	15	survey	survey	NOUN
fsr-3531	53	16	.	.	PUNCT
fsr-3531	54	1	to	to	PART
fsr-3531	54	2	set	set	VERB
fsr-3531	54	3	up	up	ADP
fsr-3531	54	4	the	the	DET
fsr-3531	54	5	second	second	ADJ
fsr-3531	54	6	stage	stage	NOUN
fsr-3531	54	7	of	of	ADP
fsr-3531	54	8	our	our	PRON
fsr-3531	54	9	study	study	NOUN
fsr-3531	54	10	we	we	PRON
fsr-3531	54	11	invited	invite	VERB
fsr-3531	54	12	a	a	DET
fsr-3531	54	13	matched	match	VERB
fsr-3531	54	14	,	,	PUNCT
fsr-3531	54	15	random	random	ADJ
fsr-3531	54	16	subsample	subsample	NOUN
fsr-3531	54	17	of	of	ADP
fsr-3531	54	18	our	our	PRON
fsr-3531	54	19	surveyed	survey	VERB
fsr-3531	54	20	students	student	NOUN
fsr-3531	54	21	to	to	ADP
fsr-3531	54	22	a	a	DET
fsr-3531	54	23	financial	financial	ADJ
fsr-3531	54	24	education	education	NOUN
fsr-3531	54	25	seminar	seminar	NOUN
fsr-3531	54	26	or	or	CCONJ
fsr-3531	54	27	webinar	webinar	NOUN
fsr-3531	54	28	,	,	PUNCT
fsr-3531	54	29	whichever	whichever	PRON
fsr-3531	54	30	they	they	PRON
fsr-3531	54	31	preferred	prefer	VERB
fsr-3531	54	32	.	.	PUNCT
fsr-3531	55	1	we	we	PRON
fsr-3531	55	2	randomly	randomly	ADV
fsr-3531	55	3	selected	select	VERB
fsr-3531	55	4	1,632	1,632	NUM
fsr-3531	55	5	students	student	NOUN
fsr-3531	55	6	to	to	PART
fsr-3531	55	7	match	match	VERB
fsr-3531	55	8	to	to	PART
fsr-3531	55	9	invited	invite	VERB
fsr-3531	55	10	and	and	CCONJ
fsr-3531	55	11	noninvited	noninvite	VERB
fsr-3531	55	12	groups	group	NOUN
fsr-3531	55	13	.	.	PUNCT
fsr-3531	56	1	of	of	ADP
fsr-3531	56	2	the	the	DET
fsr-3531	56	3	1,632	1,632	NUM
fsr-3531	56	4	students	student	NOUN
fsr-3531	56	5	eligible	eligible	ADJ
fsr-3531	56	6	for	for	ADP
fsr-3531	56	7	invitation	invitation	NOUN
fsr-3531	56	8	,	,	PUNCT
fsr-3531	56	9	roughly	roughly	ADV
fsr-3531	56	10	two	two	NUM
fsr-3531	56	11	-	-	PUNCT
fsr-3531	56	12	thirds	third	NOUN
fsr-3531	56	13	(	(	PUNCT
fsr-3531	56	14	1,101	1,101	NUM
fsr-3531	56	15	)	)	PUNCT
fsr-3531	56	16	were	be	AUX
fsr-3531	56	17	invited	invite	VERB
fsr-3531	56	18	to	to	ADP
fsr-3531	56	19	participate.7	participate.7	PROPN
fsr-3531	56	20	our	our	PRON
fsr-3531	56	21	invited	invite	VERB
fsr-3531	56	22	b.	b.	PROPN
fsr-3531	56	23	j.	j.	PROPN
fsr-3531	56	24	davis	davis	PROPN
fsr-3531	56	25	et	et	PROPN
fsr-3531	56	26	al	al	PROPN
fsr-3531	56	27	.	.	PUNCT
fsr-3531	56	28	/	/	SYM
fsr-3531	56	29	financial	financial	ADJ
fsr-3531	56	30	services	service	NOUN
fsr-3531	56	31	review	review	VERB
fsr-3531	56	32	31	31	NUM
fsr-3531	56	33	(	(	PUNCT
fsr-3531	56	34	2023	2023	NUM
fsr-3531	56	35	)	)	PUNCT
fsr-3531	56	36	133–150	133–150	NUM
fsr-3531	56	37	135	135	NUM
fsr-3531	56	38	student	student	NOUN
fsr-3531	56	39	group	group	NOUN
fsr-3531	56	40	was	be	AUX
fsr-3531	56	41	designed	design	VERB
fsr-3531	56	42	to	to	PART
fsr-3531	56	43	be	be	AUX
fsr-3531	56	44	a	a	DET
fsr-3531	56	45	balanced	balanced	ADJ
fsr-3531	56	46	representation	representation	NOUN
fsr-3531	56	47	of	of	ADP
fsr-3531	56	48	participants	participant	NOUN
fsr-3531	56	49	across	across	ADP
fsr-3531	56	50	several	several	ADJ
fsr-3531	56	51	dimensions	dimension	NOUN
fsr-3531	56	52	:	:	PUNCT
fsr-3531	56	53	gender	gender	NOUN
fsr-3531	56	54	,	,	PUNCT
fsr-3531	56	55	degree	degree	NOUN
fsr-3531	56	56	of	of	ADP
fsr-3531	56	57	concern	concern	NOUN
fsr-3531	56	58	regarding	regard	VERB
fsr-3531	56	59	financial	financial	ADJ
fsr-3531	56	60	matters	matter	NOUN
fsr-3531	56	61	,	,	PUNCT
fsr-3531	56	62	score	score	NOUN
fsr-3531	56	63	on	on	ADP
fsr-3531	56	64	the	the	DET
fsr-3531	56	65	financial	financial	ADJ
fsr-3531	56	66	literacy	literacy	NOUN
fsr-3531	56	67	quiz	quiz	NOUN
fsr-3531	56	68	,	,	PUNCT
fsr-3531	56	69	and	and	CCONJ
fsr-3531	56	70	whether	whether	SCONJ
fsr-3531	56	71	or	or	CCONJ
fsr-3531	56	72	not	not	PART
fsr-3531	56	73	the	the	DET
fsr-3531	56	74	student	student	NOUN
fsr-3531	56	75	was	be	AUX
fsr-3531	56	76	in	in	ADP
fsr-3531	56	77	a	a	DET
fsr-3531	56	78	quantitative	quantitative	ADJ
fsr-3531	56	79	field.8	field.8	NOUN
fsr-3531	56	80	invitations	invitation	NOUN
fsr-3531	56	81	were	be	AUX
fsr-3531	56	82	also	also	ADV
fsr-3531	56	83	balanced	balance	VERB
fsr-3531	56	84	across	across	ADP
fsr-3531	56	85	those	those	PRON
fsr-3531	56	86	who	who	PRON
fsr-3531	56	87	did	do	VERB
fsr-3531	56	88	or	or	CCONJ
fsr-3531	56	89	did	do	AUX
fsr-3531	56	90	not	not	PART
fsr-3531	56	91	initially	initially	ADV
fsr-3531	56	92	indicate	indicate	VERB
fsr-3531	56	93	interest	interest	NOUN
fsr-3531	56	94	in	in	ADP
fsr-3531	56	95	the	the	DET
fsr-3531	56	96	program	program	NOUN
fsr-3531	56	97	.	.	PUNCT
fsr-3531	57	1	this	this	PRON
fsr-3531	57	2	allowed	allow	VERB
fsr-3531	57	3	students	student	NOUN
fsr-3531	57	4	to	to	PART
fsr-3531	57	5	change	change	VERB
fsr-3531	57	6	their	their	PRON
fsr-3531	57	7	mind	mind	NOUN
fsr-3531	57	8	if	if	SCONJ
fsr-3531	57	9	they	they	PRON
fsr-3531	57	10	later	later	ADV
fsr-3531	57	11	decided	decide	VERB
fsr-3531	57	12	they	they	PRON
fsr-3531	57	13	wanted	want	VERB
fsr-3531	57	14	to	to	PART
fsr-3531	57	15	attend	attend	VERB
fsr-3531	57	16	.	.	PUNCT
fsr-3531	58	1	the	the	DET
fsr-3531	58	2	invitation	invitation	NOUN
fsr-3531	58	3	email	email	NOUN
fsr-3531	58	4	contained	contain	VERB
fsr-3531	58	5	a	a	DET
fsr-3531	58	6	link	link	NOUN
fsr-3531	58	7	for	for	ADP
fsr-3531	58	8	those	those	PRON
fsr-3531	58	9	wishing	wish	VERB
fsr-3531	58	10	to	to	PART
fsr-3531	58	11	sign	sign	VERB
fsr-3531	58	12	up	up	ADP
fsr-3531	58	13	and	and	CCONJ
fsr-3531	58	14	clicking	click	VERB
fsr-3531	58	15	the	the	DET
fsr-3531	58	16	link	link	NOUN
fsr-3531	58	17	brought	bring	VERB
fsr-3531	58	18	the	the	DET
fsr-3531	58	19	student	student	NOUN
fsr-3531	58	20	to	to	ADP
fsr-3531	58	21	a	a	DET
fsr-3531	58	22	standard	standard	ADJ
fsr-3531	58	23	web	web	NOUN
fsr-3531	58	24	-	-	PUNCT
fsr-3531	58	25	based	base	VERB
fsr-3531	58	26	submission	submission	NOUN
fsr-3531	58	27	form	form	NOUN
fsr-3531	58	28	.	.	PUNCT
fsr-3531	59	1	in	in	ADP
fsr-3531	59	2	the	the	DET
fsr-3531	59	3	invitation	invitation	NOUN
fsr-3531	59	4	to	to	PART
fsr-3531	59	5	participate	participate	VERB
fsr-3531	59	6	,	,	PUNCT
fsr-3531	59	7	we	we	PRON
fsr-3531	59	8	offered	offer	VERB
fsr-3531	59	9	two	two	NUM
fsr-3531	59	10	mid	mid	ADJ
fsr-3531	59	11	-	-	NOUN
fsr-3531	59	12	day	day	NOUN
fsr-3531	59	13	and	and	CCONJ
fsr-3531	59	14	two	two	NUM
fsr-3531	59	15	early	early	ADJ
fsr-3531	59	16	evening	evening	NOUN
fsr-3531	59	17	times	time	NOUN
fsr-3531	59	18	for	for	ADP
fsr-3531	59	19	either	either	CCONJ
fsr-3531	59	20	a	a	DET
fsr-3531	59	21	seminar	seminar	NOUN
fsr-3531	59	22	or	or	CCONJ
fsr-3531	59	23	webinar	webinar	NOUN
fsr-3531	59	24	at	at	ADP
fsr-3531	59	25	each	each	DET
fsr-3531	59	26	campus	campus	NOUN
fsr-3531	59	27	in	in	ADP
fsr-3531	59	28	the	the	DET
fsr-3531	59	29	university	university	NOUN
fsr-3531	59	30	system	system	NOUN
fsr-3531	59	31	.	.	PUNCT
fsr-3531	60	1	we	we	PRON
fsr-3531	60	2	also	also	ADV
fsr-3531	60	3	offered	offer	VERB
fsr-3531	60	4	lunch	lunch	NOUN
fsr-3531	60	5	or	or	CCONJ
fsr-3531	60	6	dinner	dinner	NOUN
fsr-3531	60	7	to	to	ADP
fsr-3531	60	8	seminar	seminar	NOUN
fsr-3531	60	9	participants	participant	NOUN
fsr-3531	60	10	;	;	PUNCT
fsr-3531	60	11	something	something	PRON
fsr-3531	60	12	our	our	PRON
fsr-3531	60	13	pilot	pilot	NOUN
fsr-3531	60	14	run	run	VERB
fsr-3531	60	15	in	in	ADP
fsr-3531	60	16	the	the	DET
fsr-3531	60	17	previous	previous	ADJ
fsr-3531	60	18	year	year	NOUN
fsr-3531	60	19	had	have	AUX
fsr-3531	60	20	revealed	reveal	VERB
fsr-3531	60	21	as	as	ADP
fsr-3531	60	22	being	be	AUX
fsr-3531	60	23	important	important	ADJ
fsr-3531	60	24	.	.	PUNCT
fsr-3531	61	1	3	3	X
fsr-3531	61	2	.	.	NOUN
fsr-3531	61	3	results	result	NOUN
fsr-3531	61	4	in	in	ADP
fsr-3531	61	5	this	this	DET
fsr-3531	61	6	section	section	NOUN
fsr-3531	61	7	we	we	PRON
fsr-3531	61	8	present	present	VERB
fsr-3531	61	9	results	result	NOUN
fsr-3531	61	10	from	from	ADP
fsr-3531	61	11	our	our	PRON
fsr-3531	61	12	survey	survey	NOUN
fsr-3531	61	13	and	and	CCONJ
fsr-3531	61	14	financial	financial	ADJ
fsr-3531	61	15	education	education	NOUN
fsr-3531	61	16	engagement	engagement	NOUN
fsr-3531	61	17	protocol	protocol	NOUN
fsr-3531	61	18	.	.	PUNCT
fsr-3531	62	1	we	we	PRON
fsr-3531	62	2	begin	begin	VERB
fsr-3531	62	3	by	by	ADP
fsr-3531	62	4	examining	examine	VERB
fsr-3531	62	5	the	the	DET
fsr-3531	62	6	demographic	demographic	ADJ
fsr-3531	62	7	,	,	PUNCT
fsr-3531	62	8	educational	educational	ADJ
fsr-3531	62	9	field	field	NOUN
fsr-3531	62	10	,	,	PUNCT
fsr-3531	62	11	and	and	CCONJ
fsr-3531	62	12	financial	financial	ADJ
fsr-3531	62	13	literacy	literacy	NOUN
fsr-3531	62	14	characteristics	characteristic	NOUN
fsr-3531	62	15	of	of	ADP
fsr-3531	62	16	students	student	NOUN
fsr-3531	62	17	who	who	PRON
fsr-3531	62	18	engaged	engage	VERB
fsr-3531	62	19	the	the	DET
fsr-3531	62	20	survey	survey	NOUN
fsr-3531	62	21	.	.	PUNCT
fsr-3531	63	1	section	section	NOUN
fsr-3531	63	2	3.2	3.2	NUM
fsr-3531	63	3	examines	examine	VERB
fsr-3531	63	4	how	how	SCONJ
fsr-3531	63	5	financial	financial	ADJ
fsr-3531	63	6	literacy	literacy	NOUN
fsr-3531	63	7	(	(	PUNCT
fsr-3531	63	8	both	both	PRON
fsr-3531	63	9	self	self	NOUN
fsr-3531	63	10	-	-	PUNCT
fsr-3531	63	11	assessed	assess	VERB
fsr-3531	63	12	and	and	CCONJ
fsr-3531	63	13	actual	actual	ADJ
fsr-3531	63	14	)	)	PUNCT
fsr-3531	63	15	relate	relate	VERB
fsr-3531	63	16	to	to	ADP
fsr-3531	63	17	interest	interest	NOUN
fsr-3531	63	18	in	in	ADP
fsr-3531	63	19	attending	attend	VERB
fsr-3531	63	20	a	a	DET
fsr-3531	63	21	financial	financial	ADJ
fsr-3531	63	22	education	education	NOUN
fsr-3531	63	23	seminar	seminar	NOUN
fsr-3531	63	24	.	.	PUNCT
fsr-3531	64	1	in	in	ADP
fsr-3531	64	2	section	section	NOUN
fsr-3531	64	3	3.3	3.3	NUM
fsr-3531	64	4	,	,	PUNCT
fsr-3531	64	5	we	we	PRON
fsr-3531	64	6	use	use	VERB
fsr-3531	64	7	regression	regression	NOUN
fsr-3531	64	8	analyses	analysis	NOUN
fsr-3531	64	9	to	to	PART
fsr-3531	64	10	examine	examine	VERB
fsr-3531	64	11	correlates	correlate	NOUN
fsr-3531	64	12	of	of	ADP
fsr-3531	64	13	interest	interest	NOUN
fsr-3531	64	14	in	in	ADP
fsr-3531	64	15	financial	financial	ADJ
fsr-3531	64	16	education	education	NOUN
fsr-3531	64	17	interest	interest	NOUN
fsr-3531	64	18	and	and	CCONJ
fsr-3531	64	19	engagement	engagement	NOUN
fsr-3531	64	20	.	.	PUNCT
fsr-3531	65	1	3.1	3.1	NUM
fsr-3531	65	2	.	.	PUNCT
fsr-3531	66	1	survey	survey	NOUN
fsr-3531	66	2	sample	sample	NOUN
fsr-3531	66	3	characteristics	characteristic	NOUN
fsr-3531	66	4	table	table	NOUN
fsr-3531	66	5	1	1	NUM
fsr-3531	66	6	presents	present	NOUN
fsr-3531	66	7	characteristics	characteristic	NOUN
fsr-3531	66	8	of	of	ADP
fsr-3531	66	9	survey	survey	NOUN
fsr-3531	66	10	respondents	respondent	NOUN
fsr-3531	66	11	.	.	PUNCT
fsr-3531	67	1	the	the	DET
fsr-3531	67	2	average	average	ADJ
fsr-3531	67	3	student	student	NOUN
fsr-3531	67	4	who	who	PRON
fsr-3531	67	5	participated	participate	VERB
fsr-3531	67	6	in	in	ADP
fsr-3531	67	7	the	the	DET
fsr-3531	67	8	survey	survey	NOUN
fsr-3531	67	9	is	be	AUX
fsr-3531	67	10	nearly	nearly	ADV
fsr-3531	67	11	30	30	NUM
fsr-3531	67	12	years	year	NOUN
fsr-3531	67	13	old	old	ADJ
fsr-3531	67	14	and	and	CCONJ
fsr-3531	67	15	has	have	VERB
fsr-3531	67	16	almost	almost	ADV
fsr-3531	67	17	10	10	NUM
fsr-3531	67	18	graduate	graduate	ADJ
fsr-3531	67	19	course	course	NOUN
fsr-3531	67	20	credits	credit	NOUN
fsr-3531	67	21	.	.	PUNCT
fsr-3531	68	1	women	woman	NOUN
fsr-3531	68	2	(	(	PUNCT
fsr-3531	68	3	57	57	NUM
fsr-3531	68	4	%	%	NOUN
fsr-3531	68	5	)	)	PUNCT
fsr-3531	68	6	were	be	AUX
fsr-3531	68	7	more	more	ADV
fsr-3531	68	8	likely	likely	ADJ
fsr-3531	68	9	to	to	PART
fsr-3531	68	10	participate	participate	VERB
fsr-3531	68	11	compared	compare	VERB
fsr-3531	68	12	to	to	ADP
fsr-3531	68	13	men	man	NOUN
fsr-3531	68	14	,	,	PUNCT
fsr-3531	68	15	approximately	approximately	ADV
fsr-3531	68	16	a	a	DET
fsr-3531	68	17	quarter	quarter	NOUN
fsr-3531	68	18	are	be	AUX
fsr-3531	68	19	fig	fig	NOUN
fsr-3531	68	20	.	.	PUNCT
fsr-3531	69	1	1	1	X
fsr-3531	69	2	.	.	X
fsr-3531	69	3	survey	survey	NOUN
fsr-3531	69	4	response	response	NOUN
fsr-3531	69	5	rates	rate	NOUN
fsr-3531	69	6	.	.	PUNCT
fsr-3531	70	1	136	136	NUM
fsr-3531	70	2	b.	b.	PROPN
fsr-3531	70	3	j.	j.	PROPN
fsr-3531	70	4	davis	davis	PROPN
fsr-3531	70	5	et	et	PROPN
fsr-3531	70	6	al	al	PROPN
fsr-3531	70	7	.	.	PUNCT
fsr-3531	70	8	/	/	SYM
fsr-3531	70	9	financial	financial	ADJ
fsr-3531	70	10	services	service	NOUN
fsr-3531	70	11	review	review	VERB
fsr-3531	70	12	31	31	NUM
fsr-3531	70	13	(	(	PUNCT
fsr-3531	70	14	2023	2023	NUM
fsr-3531	70	15	)	)	PUNCT
fsr-3531	70	16	133–150	133–150	NUM
fsr-3531	70	17	international	international	ADJ
fsr-3531	70	18	students	student	NOUN
fsr-3531	70	19	,	,	PUNCT
fsr-3531	70	20	57	57	NUM
fsr-3531	70	21	%	%	NOUN
fsr-3531	70	22	of	of	ADP
fsr-3531	70	23	the	the	DET
fsr-3531	70	24	graduate	graduate	NOUN
fsr-3531	70	25	students	student	NOUN
fsr-3531	70	26	attend	attend	VERB
fsr-3531	70	27	the	the	DET
fsr-3531	70	28	flagship	flagship	NOUN
fsr-3531	70	29	campus	campus	NOUN
fsr-3531	70	30	,	,	PUNCT
fsr-3531	70	31	and	and	CCONJ
fsr-3531	70	32	nearly	nearly	ADV
fsr-3531	70	33	one	one	NUM
fsr-3531	70	34	in	in	ADP
fsr-3531	70	35	four	four	NUM
fsr-3531	70	36	graduate	graduate	NOUN
fsr-3531	70	37	students	student	NOUN
fsr-3531	70	38	work	work	VERB
fsr-3531	70	39	as	as	ADP
fsr-3531	70	40	research	research	NOUN
fsr-3531	70	41	or	or	CCONJ
fsr-3531	70	42	teaching	teaching	NOUN
fsr-3531	70	43	assistants	assistant	NOUN
fsr-3531	70	44	.	.	PUNCT
fsr-3531	71	1	half	half	NOUN
fsr-3531	71	2	of	of	ADP
fsr-3531	71	3	the	the	DET
fsr-3531	71	4	students	student	NOUN
fsr-3531	71	5	in	in	ADP
fsr-3531	71	6	the	the	DET
fsr-3531	71	7	sample	sample	NOUN
fsr-3531	71	8	are	be	AUX
fsr-3531	71	9	pursuing	pursue	VERB
fsr-3531	71	10	a	a	DET
fsr-3531	71	11	master	master	NOUN
fsr-3531	71	12	’s	’s	PART
fsr-3531	71	13	degree	degree	NOUN
fsr-3531	71	14	,	,	PUNCT
fsr-3531	71	15	over	over	ADP
fsr-3531	71	16	a	a	DET
fsr-3531	71	17	quarter	quarter	NOUN
fsr-3531	71	18	a	a	DET
fsr-3531	71	19	doctorate	doctorate	NOUN
fsr-3531	71	20	,	,	PUNCT
fsr-3531	71	21	and	and	CCONJ
fsr-3531	71	22	other	other	ADJ
fsr-3531	71	23	degree	degree	NOUN
fsr-3531	71	24	types	type	NOUN
fsr-3531	71	25	represent	represent	VERB
fsr-3531	71	26	less	less	ADJ
fsr-3531	71	27	than	than	ADP
fsr-3531	71	28	10	10	NUM
fsr-3531	71	29	%	%	NOUN
fsr-3531	71	30	of	of	ADP
fsr-3531	71	31	the	the	DET
fsr-3531	71	32	survey	survey	NOUN
fsr-3531	71	33	respondents	respondent	NOUN
fsr-3531	71	34	.	.	PUNCT
fsr-3531	72	1	about	about	ADV
fsr-3531	72	2	two	two	NUM
fsr-3531	72	3	-	-	PUNCT
fsr-3531	72	4	thirds	third	NOUN
fsr-3531	72	5	of	of	ADP
fsr-3531	72	6	survey	survey	NOUN
fsr-3531	72	7	participants	participant	NOUN
fsr-3531	72	8	have	have	VERB
fsr-3531	72	9	prior	prior	ADJ
fsr-3531	72	10	work	work	NOUN
fsr-3531	72	11	experience	experience	NOUN
fsr-3531	72	12	.	.	PUNCT
fsr-3531	73	1	we	we	PRON
fsr-3531	73	2	categorize	categorize	VERB
fsr-3531	73	3	a	a	DET
fsr-3531	73	4	student	student	NOUN
fsr-3531	73	5	’s	’s	PART
fsr-3531	73	6	program	program	NOUN
fsr-3531	73	7	or	or	CCONJ
fsr-3531	73	8	major	major	ADJ
fsr-3531	73	9	into	into	ADP
fsr-3531	73	10	four	four	NUM
fsr-3531	73	11	mutually	mutually	ADV
fsr-3531	73	12	exclusive	exclusive	ADJ
fsr-3531	73	13	groups	group	NOUN
fsr-3531	73	14	:	:	PUNCT
fsr-3531	73	15	liberal	liberal	ADJ
fsr-3531	73	16	arts	art	NOUN
fsr-3531	73	17	(	(	PUNCT
fsr-3531	73	18	e.g.	e.g.	ADV
fsr-3531	73	19	,	,	PUNCT
fsr-3531	73	20	liberal	liberal	ADJ
fsr-3531	73	21	arts	art	NOUN
fsr-3531	73	22	,	,	PUNCT
fsr-3531	73	23	humanities	humanity	NOUN
fsr-3531	73	24	,	,	PUNCT
fsr-3531	73	25	language	language	NOUN
fsr-3531	73	26	,	,	PUNCT
fsr-3531	73	27	music	music	NOUN
fsr-3531	73	28	,	,	PUNCT
fsr-3531	73	29	and	and	CCONJ
fsr-3531	73	30	social	social	ADJ
fsr-3531	73	31	sciences	science	NOUN
fsr-3531	73	32	)	)	PUNCT
fsr-3531	73	33	,	,	PUNCT
fsr-3531	73	34	stem	stem	NOUN
fsr-3531	73	35	(	(	PUNCT
fsr-3531	73	36	e.g.	e.g.	ADV
fsr-3531	73	37	,	,	PUNCT
fsr-3531	73	38	science	science	NOUN
fsr-3531	73	39	,	,	PUNCT
fsr-3531	73	40	engineering	engineering	NOUN
fsr-3531	73	41	,	,	PUNCT
fsr-3531	73	42	medicine	medicine	NOUN
fsr-3531	73	43	,	,	PUNCT
fsr-3531	73	44	mathematics	mathematic	NOUN
fsr-3531	73	45	,	,	PUNCT
fsr-3531	73	46	and	and	CCONJ
fsr-3531	73	47	technology	technology	NOUN
fsr-3531	73	48	)	)	PUNCT
fsr-3531	73	49	,	,	PUNCT
fsr-3531	73	50	professional	professional	NOUN
fsr-3531	73	51	(	(	PUNCT
fsr-3531	73	52	e.g.	e.g.	ADJ
fsr-3531	73	53	,	,	PUNCT
fsr-3531	73	54	public	public	ADJ
fsr-3531	73	55	health	health	NOUN
fsr-3531	73	56	,	,	PUNCT
fsr-3531	73	57	public	public	ADJ
fsr-3531	73	58	administration	administration	NOUN
fsr-3531	73	59	,	,	PUNCT
fsr-3531	73	60	education	education	NOUN
fsr-3531	73	61	,	,	PUNCT
fsr-3531	73	62	nursing	nursing	NOUN
fsr-3531	73	63	,	,	PUNCT
fsr-3531	73	64	law	law	NOUN
fsr-3531	73	65	,	,	PUNCT
fsr-3531	73	66	and	and	CCONJ
fsr-3531	73	67	other	other	ADJ
fsr-3531	73	68	(	(	PUNCT
fsr-3531	73	69	pre)professional	pre)professional	ADJ
fsr-3531	73	70	programs	program	NOUN
fsr-3531	73	71	)	)	PUNCT
fsr-3531	73	72	,	,	PUNCT
fsr-3531	73	73	and	and	CCONJ
fsr-3531	73	74	business	business	NOUN
fsr-3531	73	75	(	(	PUNCT
fsr-3531	73	76	e.g.	e.g.	ADV
fsr-3531	73	77	,	,	PUNCT
fsr-3531	73	78	economics	economic	NOUN
fsr-3531	73	79	,	,	PUNCT
fsr-3531	73	80	finance	finance	NOUN
fsr-3531	73	81	,	,	PUNCT
fsr-3531	73	82	business	business	NOUN
fsr-3531	73	83	,	,	PUNCT
fsr-3531	73	84	and	and	CCONJ
fsr-3531	73	85	accounting	accounting	NOUN
fsr-3531	73	86	)	)	PUNCT
fsr-3531	73	87	.	.	PUNCT
fsr-3531	74	1	enrollment	enrollment	NOUN
fsr-3531	74	2	in	in	ADP
fsr-3531	74	3	a	a	DET
fsr-3531	74	4	professional	professional	ADJ
fsr-3531	74	5	program	program	NOUN
fsr-3531	74	6	represents	represent	VERB
fsr-3531	74	7	the	the	DET
fsr-3531	74	8	plurality	plurality	NOUN
fsr-3531	74	9	of	of	ADP
fsr-3531	74	10	students	student	NOUN
fsr-3531	74	11	surveyed	survey	VERB
fsr-3531	74	12	(	(	PUNCT
fsr-3531	74	13	37	37	NUM
fsr-3531	74	14	%	%	NOUN
fsr-3531	74	15	)	)	PUNCT
fsr-3531	74	16	followed	follow	VERB
fsr-3531	74	17	by	by	ADP
fsr-3531	74	18	enrollment	enrollment	NOUN
fsr-3531	74	19	in	in	ADP
fsr-3531	74	20	stem	stem	NOUN
fsr-3531	74	21	(	(	PUNCT
fsr-3531	74	22	27	27	NUM
fsr-3531	74	23	%	%	NOUN
fsr-3531	74	24	)	)	PUNCT
fsr-3531	74	25	,	,	PUNCT
fsr-3531	74	26	liberal	liberal	ADJ
fsr-3531	74	27	arts	art	NOUN
fsr-3531	74	28	(	(	PUNCT
fsr-3531	74	29	20	20	NUM
fsr-3531	74	30	%	%	NOUN
fsr-3531	74	31	)	)	PUNCT
fsr-3531	74	32	,	,	PUNCT
fsr-3531	74	33	and	and	CCONJ
fsr-3531	74	34	business	business	NOUN
fsr-3531	74	35	(	(	PUNCT
fsr-3531	74	36	14	14	NUM
fsr-3531	74	37	%	%	NOUN
fsr-3531	74	38	)	)	PUNCT
fsr-3531	74	39	programs	program	NOUN
fsr-3531	74	40	.	.	PUNCT
fsr-3531	75	1	table	table	NOUN
fsr-3531	75	2	2	2	NUM
fsr-3531	75	3	displays	display	VERB
fsr-3531	75	4	financial	financial	ADJ
fsr-3531	75	5	education	education	NOUN
fsr-3531	75	6	engagement	engagement	NOUN
fsr-3531	75	7	numbers	number	NOUN
fsr-3531	75	8	.	.	PUNCT
fsr-3531	76	1	of	of	ADP
fsr-3531	76	2	the	the	DET
fsr-3531	76	3	nearly	nearly	ADV
fsr-3531	76	4	18,000	18,000	NUM
fsr-3531	76	5	students	student	NOUN
fsr-3531	76	6	we	we	PRON
fsr-3531	76	7	sent	send	VERB
fsr-3531	76	8	a	a	DET
fsr-3531	76	9	survey	survey	NOUN
fsr-3531	76	10	,	,	PUNCT
fsr-3531	76	11	about	about	ADV
fsr-3531	76	12	14	14	NUM
fsr-3531	76	13	%	%	NOUN
fsr-3531	76	14	(	(	PUNCT
fsr-3531	76	15	2,487	2,487	NUM
fsr-3531	76	16	)	)	PUNCT
fsr-3531	76	17	responded	respond	VERB
fsr-3531	76	18	.	.	PUNCT
fsr-3531	77	1	of	of	ADP
fsr-3531	77	2	the	the	DET
fsr-3531	77	3	representative	representative	NOUN
fsr-3531	77	4	1,101	1,101	NUM
fsr-3531	77	5	students	student	NOUN
fsr-3531	77	6	to	to	PART
fsr-3531	77	7	whom	whom	PRON
fsr-3531	77	8	we	we	PRON
fsr-3531	77	9	sent	send	VERB
fsr-3531	77	10	invitations	invitation	NOUN
fsr-3531	77	11	for	for	ADP
fsr-3531	77	12	a	a	DET
fsr-3531	77	13	financial	financial	ADJ
fsr-3531	77	14	education	education	NOUN
fsr-3531	77	15	session	session	NOUN
fsr-3531	77	16	,	,	PUNCT
fsr-3531	77	17	16	16	NUM
fsr-3531	77	18	%	%	NOUN
fsr-3531	77	19	(	(	PUNCT
fsr-3531	77	20	176	176	NUM
fsr-3531	77	21	)	)	PUNCT
fsr-3531	77	22	accepted	accept	VERB
fsr-3531	77	23	.	.	PUNCT
fsr-3531	78	1	among	among	ADP
fsr-3531	78	2	the	the	DET
fsr-3531	78	3	accepted	accepted	ADJ
fsr-3531	78	4	group	group	NOUN
fsr-3531	78	5	,	,	PUNCT
fsr-3531	78	6	36	36	NUM
fsr-3531	78	7	%	%	NOUN
fsr-3531	78	8	(	(	PUNCT
fsr-3531	78	9	64	64	NUM
fsr-3531	78	10	)	)	PUNCT
fsr-3531	78	11	attended	attend	VERB
fsr-3531	78	12	a	a	DET
fsr-3531	78	13	session	session	NOUN
fsr-3531	78	14	with	with	ADP
fsr-3531	78	15	44	44	NUM
fsr-3531	78	16	opting	opt	VERB
fsr-3531	78	17	for	for	ADP
fsr-3531	78	18	an	an	DET
fsr-3531	78	19	in	in	ADP
fsr-3531	78	20	-	-	PUNCT
fsr-3531	78	21	person	person	NOUN
fsr-3531	78	22	seminar	seminar	NOUN
fsr-3531	78	23	and	and	CCONJ
fsr-3531	78	24	20	20	NUM
fsr-3531	78	25	for	for	ADP
fsr-3531	78	26	an	an	DET
fsr-3531	78	27	online	online	ADJ
fsr-3531	78	28	webinar	webinar	NOUN
fsr-3531	78	29	.	.	PUNCT
fsr-3531	79	1	acceptance	acceptance	NOUN
fsr-3531	79	2	rates	rate	NOUN
fsr-3531	79	3	for	for	ADP
fsr-3531	79	4	students	student	NOUN
fsr-3531	79	5	who	who	PRON
fsr-3531	79	6	initially	initially	ADV
fsr-3531	79	7	indicated	indicate	VERB
fsr-3531	79	8	interest	interest	NOUN
fsr-3531	79	9	(	(	PUNCT
fsr-3531	79	10	25	25	NUM
fsr-3531	79	11	%	%	NOUN
fsr-3531	79	12	)	)	PUNCT
fsr-3531	79	13	were	be	AUX
fsr-3531	79	14	significantly	significantly	ADV
fsr-3531	79	15	higher	high	ADJ
fsr-3531	79	16	than	than	ADP
fsr-3531	79	17	those	those	PRON
fsr-3531	79	18	who	who	PRON
fsr-3531	79	19	did	do	AUX
fsr-3531	79	20	not	not	PART
fsr-3531	79	21	signal	signal	VERB
fsr-3531	79	22	interest	interest	NOUN
fsr-3531	79	23	(	(	PUNCT
fsr-3531	79	24	8	8	NUM
fsr-3531	79	25	%	%	NOUN
fsr-3531	79	26	)	)	PUNCT
fsr-3531	79	27	.	.	PUNCT
fsr-3531	80	1	program	program	NOUN
fsr-3531	80	2	attendance	attendance	NOUN
fsr-3531	80	3	rates	rate	NOUN
fsr-3531	80	4	for	for	ADP
fsr-3531	80	5	those	those	PRON
fsr-3531	80	6	initially	initially	ADV
fsr-3531	80	7	indicating	indicate	VERB
fsr-3531	80	8	interest	interest	NOUN
fsr-3531	80	9	were	be	AUX
fsr-3531	80	10	also	also	ADV
fsr-3531	80	11	higher	high	ADJ
fsr-3531	80	12	(	(	PUNCT
fsr-3531	80	13	39	39	NUM
fsr-3531	80	14	%	%	NOUN
fsr-3531	80	15	vs.	vs.	ADP
fsr-3531	80	16	29	29	NUM
fsr-3531	80	17	%	%	NOUN
fsr-3531	80	18	)	)	PUNCT
fsr-3531	80	19	but	but	CCONJ
fsr-3531	80	20	the	the	DET
fsr-3531	80	21	difference	difference	NOUN
fsr-3531	80	22	is	be	AUX
fsr-3531	80	23	not	not	PART
fsr-3531	80	24	significant	significant	ADJ
fsr-3531	80	25	.	.	PUNCT
fsr-3531	81	1	we	we	PRON
fsr-3531	81	2	next	next	ADV
fsr-3531	81	3	tabulate	tabulate	VERB
fsr-3531	81	4	personal	personal	ADJ
fsr-3531	81	5	financial	financial	ADJ
fsr-3531	81	6	characteristics	characteristic	NOUN
fsr-3531	81	7	and	and	CCONJ
fsr-3531	81	8	engagement	engagement	NOUN
fsr-3531	81	9	across	across	ADP
fsr-3531	81	10	program	program	NOUN
fsr-3531	81	11	type	type	NOUN
fsr-3531	81	12	and	and	CCONJ
fsr-3531	81	13	survey	survey	NOUN
fsr-3531	81	14	variables	variable	NOUN
fsr-3531	81	15	.	.	PUNCT
fsr-3531	82	1	table	table	NOUN
fsr-3531	82	2	3	3	NUM
fsr-3531	82	3	panel	panel	NOUN
fsr-3531	82	4	a	a	DET
fsr-3531	82	5	displays	display	NOUN
fsr-3531	82	6	measurements	measurement	NOUN
fsr-3531	82	7	of	of	ADP
fsr-3531	82	8	financial	financial	ADJ
fsr-3531	82	9	literacy	literacy	NOUN
fsr-3531	82	10	,	,	PUNCT
fsr-3531	82	11	personal	personal	ADJ
fsr-3531	82	12	financial	financial	ADJ
fsr-3531	82	13	concerns	concern	NOUN
fsr-3531	82	14	,	,	PUNCT
fsr-3531	82	15	and	and	CCONJ
fsr-3531	82	16	education	education	NOUN
fsr-3531	82	17	engagement	engagement	NOUN
fsr-3531	82	18	for	for	ADP
fsr-3531	82	19	all	all	DET
fsr-3531	82	20	surveyed	survey	VERB
fsr-3531	82	21	students	student	NOUN
fsr-3531	82	22	by	by	ADP
fsr-3531	82	23	program	program	NOUN
fsr-3531	82	24	type	type	NOUN
fsr-3531	82	25	.	.	PUNCT
fsr-3531	83	1	financial	financial	ADJ
fsr-3531	83	2	literacy	literacy	NOUN
fsr-3531	83	3	quiz	quiz	NOUN
fsr-3531	83	4	score	score	NOUN
fsr-3531	83	5	is	be	AUX
fsr-3531	83	6	the	the	DET
fsr-3531	83	7	average	average	ADJ
fsr-3531	83	8	number	number	NOUN
fsr-3531	83	9	of	of	ADP
fsr-3531	83	10	questions	question	NOUN
fsr-3531	83	11	students	student	NOUN
fsr-3531	83	12	answered	answer	VERB
fsr-3531	83	13	correctly	correctly	ADV
fsr-3531	83	14	on	on	ADP
fsr-3531	83	15	our	our	PRON
fsr-3531	83	16	financial	financial	ADJ
fsr-3531	83	17	quiz	quiz	NOUN
fsr-3531	83	18	(	(	PUNCT
fsr-3531	83	19	out	out	ADP
fsr-3531	83	20	of	of	ADP
fsr-3531	83	21	12).9	12).9	NUM
fsr-3531	83	22	financial	financial	ADJ
fsr-3531	83	23	iq	iq	NOUN
fsr-3531	83	24	is	be	AUX
fsr-3531	83	25	the	the	DET
fsr-3531	83	26	average	average	NOUN
fsr-3531	83	27	of	of	ADP
fsr-3531	83	28	students	student	NOUN
fsr-3531	83	29	self	self	NOUN
fsr-3531	83	30	-	-	PUNCT
fsr-3531	83	31	assessed	assess	VERB
fsr-3531	83	32	rating	rating	NOUN
fsr-3531	83	33	of	of	ADP
fsr-3531	83	34	how	how	SCONJ
fsr-3531	83	35	high	high	ADJ
fsr-3531	83	36	their	their	PRON
fsr-3531	83	37	financial	financial	ADJ
fsr-3531	83	38	knowledge	knowledge	NOUN
fsr-3531	83	39	or	or	CCONJ
fsr-3531	83	40	iq	iq	NOUN
fsr-3531	83	41	is	be	AUX
fsr-3531	83	42	,	,	PUNCT
fsr-3531	83	43	ranging	range	VERB
fsr-3531	83	44	from	from	ADP
fsr-3531	83	45	1	1	NUM
fsr-3531	83	46	(	(	PUNCT
fsr-3531	83	47	very	very	ADV
fsr-3531	83	48	low	low	ADJ
fsr-3531	83	49	)	)	PUNCT
fsr-3531	83	50	to	to	ADP
fsr-3531	83	51	(	(	PUNCT
fsr-3531	83	52	7	7	NUM
fsr-3531	83	53	very	very	ADV
fsr-3531	83	54	high	high	ADJ
fsr-3531	83	55	)	)	PUNCT
fsr-3531	83	56	.	.	PUNCT
fsr-3531	84	1	relative	relative	ADJ
fsr-3531	84	2	finiq	finiq	ADJ
fsr-3531	84	3	is	be	AUX
fsr-3531	84	4	an	an	DET
fsr-3531	84	5	individual	individual	NOUN
fsr-3531	84	6	’s	’s	PART
fsr-3531	84	7	relative	relative	ADJ
fsr-3531	84	8	financial	financial	ADJ
fsr-3531	84	9	knowledge	knowledge	NOUN
fsr-3531	84	10	calculated	calculate	VERB
fsr-3531	84	11	as	as	ADP
fsr-3531	84	12	the	the	DET
fsr-3531	84	13	table	table	NOUN
fsr-3531	84	14	1	1	NUM
fsr-3531	84	15	characteristics	characteristic	NOUN
fsr-3531	84	16	of	of	ADP
fsr-3531	84	17	targeted	target	VERB
fsr-3531	84	18	graduate	graduate	NOUN
fsr-3531	84	19	student	student	NOUN
fsr-3531	84	20	population	population	NOUN
fsr-3531	84	21	student	student	NOUN
fsr-3531	84	22	survey	survey	PROPN
fsr-3531	84	23	sample	sample	NOUN
fsr-3531	84	24	summary	summary	NOUN
fsr-3531	84	25	statistics	statistic	NOUN
fsr-3531	84	26	mean/	mean/	NUM
fsr-3531	84	27	proportion	proportion	NOUN
fsr-3531	84	28	standard	standard	ADJ
fsr-3531	84	29	deviation	deviation	NOUN
fsr-3531	84	30	obs	obs	NOUN
fsr-3531	84	31	proportion	proportion	PROPN
fsr-3531	84	32	obs	obs	PROPN
fsr-3531	84	33	student	student	PROPN
fsr-3531	84	34	characteristics	characteristics	PROPN
fsr-3531	84	35	degree	degree	NOUN
fsr-3531	84	36	type	type	NOUN
fsr-3531	84	37	age	age	NOUN
fsr-3531	84	38	29.5	29.5	NUM
fsr-3531	84	39	7.5	7.5	NUM
fsr-3531	84	40	2,487	2,487	NUM
fsr-3531	84	41	masters	master	NOUN
fsr-3531	84	42	0.50	0.50	NUM
fsr-3531	84	43	2,487	2,487	NUM
fsr-3531	84	44	credits	credit	NOUN
fsr-3531	84	45	taken	take	VERB
fsr-3531	84	46	9.8	9.8	NUM
fsr-3531	84	47	5.1	5.1	NUM
fsr-3531	84	48	2,487	2,487	NUM
fsr-3531	84	49	certificate	certificate	NOUN
fsr-3531	84	50	0.02	0.02	NUM
fsr-3531	84	51	2,487	2,487	NUM
fsr-3531	84	52	married	marry	VERB
fsr-3531	84	53	0.37	0.37	NUM
fsr-3531	84	54	2,306	2,306	NUM
fsr-3531	84	55	law	law	NOUN
fsr-3531	84	56	0.07	0.07	NUM
fsr-3531	84	57	2,487	2,487	NUM
fsr-3531	84	58	female	female	ADJ
fsr-3531	84	59	0.57	0.57	NUM
fsr-3531	84	60	2,487	2,487	NUM
fsr-3531	84	61	doctorate	doctorate	NOUN
fsr-3531	84	62	0.27	0.27	NUM
fsr-3531	84	63	2,487	2,487	NUM
fsr-3531	84	64	international	international	ADJ
fsr-3531	84	65	student	student	NOUN
fsr-3531	84	66	0.26	0.26	NUM
fsr-3531	84	67	2,487	2,487	NUM
fsr-3531	84	68	medical	medical	ADJ
fsr-3531	84	69	0.08	0.08	NUM
fsr-3531	84	70	2,487	2,487	NUM
fsr-3531	84	71	research	research	NOUN
fsr-3531	84	72	/	/	SYM
fsr-3531	84	73	teaching	teach	VERB
fsr-3531	84	74	asst	asst	NOUN
fsr-3531	84	75	0.24	0.24	NUM
fsr-3531	84	76	2,487	2,487	NUM
fsr-3531	84	77	post	post	ADJ
fsr-3531	84	78	-	-	PROPN
fsr-3531	84	79	doc	doc	ADJ
fsr-3531	84	80	0.01	0.01	NUM
fsr-3531	84	81	2,487	2,487	NUM
fsr-3531	84	82	flagship	flagship	NOUN
fsr-3531	84	83	campus	campus	NOUN
fsr-3531	84	84	0.57	0.57	NUM
fsr-3531	84	85	2,487	2,487	NUM
fsr-3531	84	86	other	other	ADJ
fsr-3531	84	87	/	/	SYM
fsr-3531	84	88	non	non	ADJ
fsr-3531	84	89	-	-	NOUN
fsr-3531	84	90	degree	degree	NOUN
fsr-3531	84	91	0.05	0.05	NUM
fsr-3531	84	92	2,487	2,487	NUM
fsr-3531	84	93	prior	prior	ADJ
fsr-3531	84	94	work	work	NOUN
fsr-3531	84	95	experience	experience	NOUN
fsr-3531	84	96	0.68	0.68	NUM
fsr-3531	84	97	2,288	2,288	NUM
fsr-3531	84	98	education	education	NOUN
fsr-3531	84	99	program	program	NOUN
fsr-3531	84	100	type	type	NOUN
fsr-3531	84	101	liberal	liberal	ADJ
fsr-3531	84	102	arts	art	NOUN
fsr-3531	84	103	0.20	0.20	NUM
fsr-3531	84	104	2,487	2,487	NUM
fsr-3531	84	105	stem	stem	NOUN
fsr-3531	84	106	0.27	0.27	NUM
fsr-3531	84	107	2,487	2,487	NUM
fsr-3531	84	108	professional	professional	ADJ
fsr-3531	84	109	0.38	0.38	NUM
fsr-3531	84	110	2,487	2,487	NUM
fsr-3531	84	111	business	business	NOUN
fsr-3531	84	112	and	and	CCONJ
fsr-3531	84	113	economics	economic	NOUN
fsr-3531	85	1	0.14	0.14	NUM
fsr-3531	85	2	2,487	2,487	NUM
fsr-3531	85	3	b.	b.	PROPN
fsr-3531	85	4	j.	j.	PROPN
fsr-3531	85	5	davis	davis	PROPN
fsr-3531	85	6	et	et	PROPN
fsr-3531	85	7	al	al	PROPN
fsr-3531	85	8	.	.	PUNCT
fsr-3531	85	9	/	/	SYM
fsr-3531	85	10	financial	financial	ADJ
fsr-3531	85	11	services	service	NOUN
fsr-3531	85	12	review	review	VERB
fsr-3531	85	13	31	31	NUM
fsr-3531	85	14	(	(	PUNCT
fsr-3531	85	15	2023	2023	NUM
fsr-3531	85	16	)	)	PUNCT
fsr-3531	85	17	133–150	133–150	NUM
fsr-3531	85	18	137	137	NUM
fsr-3531	85	19	relative	relative	ADJ
fsr-3531	85	20	difference	difference	NOUN
fsr-3531	85	21	between	between	ADP
fsr-3531	85	22	performance	performance	NOUN
fsr-3531	85	23	on	on	ADP
fsr-3531	85	24	the	the	DET
fsr-3531	85	25	financial	financial	ADJ
fsr-3531	85	26	literacy	literacy	NOUN
fsr-3531	85	27	quiz	quiz	NOUN
fsr-3531	85	28	and	and	CCONJ
fsr-3531	85	29	one	one	NUM
fsr-3531	85	30	’s	’s	PART
fsr-3531	85	31	selfassessed	selfassesse	VERB
fsr-3531	85	32	financial	financial	ADJ
fsr-3531	85	33	iq	iq	NOUN
fsr-3531	85	34	level	level	NOUN
fsr-3531	85	35	and	and	CCONJ
fsr-3531	85	36	normalized	normalize	VERB
fsr-3531	85	37	on	on	ADP
fsr-3531	85	38	a	a	DET
fsr-3531	85	39	scale	scale	NOUN
fsr-3531	85	40	of	of	ADP
fsr-3531	85	41	0	0	NUM
fsr-3531	85	42	to	to	PART
fsr-3531	85	43	1	1	NUM
fsr-3531	85	44	.	.	PUNCT
fsr-3531	86	1	values	value	NOUN
fsr-3531	86	2	below	below	ADP
fsr-3531	86	3	0.5	0.5	NUM
fsr-3531	86	4	represent	represent	NOUN
fsr-3531	86	5	overconfidence	overconfidence	NOUN
fsr-3531	86	6	and	and	CCONJ
fsr-3531	86	7	values	value	NOUN
fsr-3531	86	8	above	above	ADP
fsr-3531	86	9	0.5	0.5	NUM
fsr-3531	86	10	represent	represent	NOUN
fsr-3531	86	11	underconfidence	underconfidence	NOUN
fsr-3531	86	12	.	.	PUNCT
fsr-3531	87	1	for	for	ADP
fsr-3531	87	2	example	example	NOUN
fsr-3531	87	3	,	,	PUNCT
fsr-3531	87	4	a	a	DET
fsr-3531	87	5	value	value	NOUN
fsr-3531	87	6	of	of	ADP
fsr-3531	87	7	0	0	NUM
fsr-3531	87	8	indicates	indicate	VERB
fsr-3531	87	9	complete	complete	ADJ
fsr-3531	87	10	overconfidence	overconfidence	NOUN
fsr-3531	87	11	in	in	ADP
fsr-3531	87	12	the	the	DET
fsr-3531	87	13	self	self	NOUN
fsr-3531	87	14	-	-	PUNCT
fsr-3531	87	15	assessment	assessment	NOUN
fsr-3531	87	16	compared	compare	VERB
fsr-3531	87	17	to	to	ADP
fsr-3531	87	18	their	their	PRON
fsr-3531	87	19	actual	actual	ADJ
fsr-3531	87	20	measured	measure	VERB
fsr-3531	87	21	financial	financial	ADJ
fsr-3531	87	22	literacy	literacy	NOUN
fsr-3531	87	23	knowledge	knowledge	NOUN
fsr-3531	87	24	and	and	CCONJ
fsr-3531	87	25	corresponds	correspond	VERB
fsr-3531	87	26	to	to	ADP
fsr-3531	87	27	a	a	DET
fsr-3531	87	28	student	student	NOUN
fsr-3531	87	29	answering	answering	NOUN
fsr-3531	87	30	0	0	NUM
fsr-3531	87	31	out	out	ADP
fsr-3531	87	32	of	of	ADP
fsr-3531	87	33	12	12	NUM
fsr-3531	87	34	financial	financial	ADJ
fsr-3531	87	35	literacy	literacy	NOUN
fsr-3531	87	36	questions	question	NOUN
fsr-3531	87	37	correctly	correctly	ADV
fsr-3531	87	38	and	and	CCONJ
fsr-3531	87	39	indicating	indicate	VERB
fsr-3531	87	40	a	a	DET
fsr-3531	87	41	very	very	ADV
fsr-3531	87	42	high	high	ADJ
fsr-3531	87	43	level	level	NOUN
fsr-3531	87	44	(	(	PUNCT
fsr-3531	87	45	7	7	NUM
fsr-3531	87	46	)	)	PUNCT
fsr-3531	87	47	of	of	ADP
fsr-3531	87	48	financial	financial	ADJ
fsr-3531	87	49	iq	iq	NOUN
fsr-3531	87	50	on	on	ADP
fsr-3531	87	51	the	the	DET
fsr-3531	87	52	selfassessment	selfassessment	NOUN
fsr-3531	87	53	,	,	PUNCT
fsr-3531	87	54	whereas	whereas	SCONJ
fsr-3531	87	55	a	a	DET
fsr-3531	87	56	value	value	NOUN
fsr-3531	87	57	of	of	ADP
fsr-3531	87	58	1	1	NUM
fsr-3531	87	59	indicates	indicate	VERB
fsr-3531	87	60	complete	complete	ADJ
fsr-3531	87	61	underconfidence	underconfidence	NOUN
fsr-3531	87	62	.	.	PUNCT
fsr-3531	88	1	a	a	DET
fsr-3531	88	2	value	value	NOUN
fsr-3531	88	3	of	of	ADP
fsr-3531	88	4	0.5	0.5	NUM
fsr-3531	88	5	indicates	indicate	VERB
fsr-3531	88	6	neither	neither	CCONJ
fsr-3531	88	7	overnor	overnor	ADP
fsr-3531	88	8	underconfidence	underconfidence	NOUN
fsr-3531	88	9	.	.	PUNCT
fsr-3531	89	1	our	our	PRON
fsr-3531	89	2	personal	personal	ADJ
fsr-3531	89	3	finance	finance	NOUN
fsr-3531	89	4	concern	concern	NOUN
fsr-3531	89	5	metric	metric	ADJ
fsr-3531	89	6	is	be	AUX
fsr-3531	89	7	measured	measure	VERB
fsr-3531	89	8	on	on	ADP
fsr-3531	89	9	an	an	DET
fsr-3531	89	10	intensity	intensity	NOUN
fsr-3531	89	11	scale	scale	NOUN
fsr-3531	89	12	from	from	ADP
fsr-3531	89	13	1	1	NUM
fsr-3531	89	14	(	(	PUNCT
fsr-3531	89	15	no	no	DET
fsr-3531	89	16	concern	concern	NOUN
fsr-3531	89	17	)	)	PUNCT
fsr-3531	89	18	to	to	ADP
fsr-3531	89	19	5	5	NUM
fsr-3531	89	20	(	(	PUNCT
fsr-3531	89	21	great	great	ADJ
fsr-3531	89	22	concern	concern	NOUN
fsr-3531	89	23	)	)	PUNCT
fsr-3531	89	24	across	across	ADP
fsr-3531	89	25	five	five	NUM
fsr-3531	89	26	areas	area	NOUN
fsr-3531	89	27	(	(	PUNCT
fsr-3531	89	28	career	career	NOUN
fsr-3531	89	29	goals	goal	NOUN
fsr-3531	89	30	,	,	PUNCT
fsr-3531	89	31	current	current	ADJ
fsr-3531	89	32	finances	finance	NOUN
fsr-3531	89	33	,	,	PUNCT
fsr-3531	89	34	future	future	ADJ
fsr-3531	89	35	finances	finance	NOUN
fsr-3531	89	36	,	,	PUNCT
fsr-3531	89	37	owning	own	VERB
fsr-3531	89	38	a	a	DET
fsr-3531	89	39	home	home	NOUN
fsr-3531	89	40	,	,	PUNCT
fsr-3531	89	41	and	and	CCONJ
fsr-3531	89	42	retirement	retirement	NOUN
fsr-3531	89	43	)	)	PUNCT
fsr-3531	89	44	,	,	PUNCT
fsr-3531	89	45	with	with	ADP
fsr-3531	89	46	a	a	DET
fsr-3531	89	47	possible	possible	ADJ
fsr-3531	89	48	range	range	NOUN
fsr-3531	89	49	from	from	ADP
fsr-3531	89	50	a	a	DET
fsr-3531	89	51	low	low	NOUN
fsr-3531	89	52	of	of	ADP
fsr-3531	89	53	5	5	NUM
fsr-3531	89	54	to	to	ADP
fsr-3531	89	55	a	a	DET
fsr-3531	89	56	high	high	NOUN
fsr-3531	89	57	of	of	ADP
fsr-3531	89	58	25	25	NUM
fsr-3531	89	59	,	,	PUNCT
fsr-3531	89	60	which	which	PRON
fsr-3531	89	61	we	we	PRON
fsr-3531	89	62	normalized	normalize	VERB
fsr-3531	89	63	from	from	ADP
fsr-3531	89	64	0	0	NUM
fsr-3531	89	65	to	to	ADP
fsr-3531	89	66	1	1	NUM
fsr-3531	89	67	.	.	PUNCT
fsr-3531	90	1	for	for	ADP
fsr-3531	90	2	engagement	engagement	NOUN
fsr-3531	90	3	metrics	metric	NOUN
fsr-3531	90	4	,	,	PUNCT
fsr-3531	90	5	we	we	PRON
fsr-3531	90	6	list	list	VERB
fsr-3531	90	7	the	the	DET
fsr-3531	90	8	percentage	percentage	NOUN
fsr-3531	90	9	of	of	ADP
fsr-3531	90	10	students	student	NOUN
fsr-3531	90	11	who	who	PRON
fsr-3531	90	12	responded	respond	VERB
fsr-3531	90	13	to	to	ADP
fsr-3531	90	14	the	the	DET
fsr-3531	90	15	survey	survey	NOUN
fsr-3531	90	16	,	,	PUNCT
fsr-3531	90	17	indicated	indicate	VERB
fsr-3531	90	18	that	that	SCONJ
fsr-3531	90	19	they	they	PRON
fsr-3531	90	20	were	be	AUX
fsr-3531	90	21	interested	interested	ADJ
fsr-3531	90	22	in	in	ADP
fsr-3531	90	23	financial	financial	ADJ
fsr-3531	90	24	education	education	NOUN
fsr-3531	90	25	,	,	PUNCT
fsr-3531	90	26	accepting	accept	VERB
fsr-3531	90	27	an	an	DET
fsr-3531	90	28	invitation	invitation	NOUN
fsr-3531	90	29	for	for	ADP
fsr-3531	90	30	an	an	DET
fsr-3531	90	31	educational	educational	ADJ
fsr-3531	90	32	session	session	NOUN
fsr-3531	90	33	,	,	PUNCT
fsr-3531	90	34	and	and	CCONJ
fsr-3531	90	35	attended	attend	VERB
fsr-3531	90	36	a	a	DET
fsr-3531	90	37	seminar	seminar	NOUN
fsr-3531	90	38	or	or	CCONJ
fsr-3531	90	39	webinar	webinar	NOUN
fsr-3531	90	40	(	(	PUNCT
fsr-3531	90	41	conditional	conditional	ADJ
fsr-3531	90	42	on	on	ADP
fsr-3531	90	43	accepting	accept	VERB
fsr-3531	90	44	an	an	DET
fsr-3531	90	45	invitation	invitation	NOUN
fsr-3531	90	46	)	)	PUNCT
fsr-3531	90	47	.	.	PUNCT
fsr-3531	91	1	table	table	NOUN
fsr-3531	91	2	3	3	NUM
fsr-3531	91	3	shows	show	VERB
fsr-3531	91	4	the	the	DET
fsr-3531	91	5	average	average	ADJ
fsr-3531	91	6	student	student	NOUN
fsr-3531	91	7	got	get	VERB
fsr-3531	91	8	65	65	NUM
fsr-3531	91	9	%	%	NOUN
fsr-3531	91	10	of	of	ADP
fsr-3531	91	11	the	the	DET
fsr-3531	91	12	financial	financial	ADJ
fsr-3531	91	13	literacy	literacy	NOUN
fsr-3531	91	14	questions	question	NOUN
fsr-3531	91	15	correct	correct	ADJ
fsr-3531	91	16	,	,	PUNCT
fsr-3531	91	17	with	with	ADP
fsr-3531	91	18	business	business	NOUN
fsr-3531	91	19	students	student	NOUN
fsr-3531	91	20	scoring	score	VERB
fsr-3531	91	21	significantly	significantly	ADV
fsr-3531	91	22	higher	high	ADJ
fsr-3531	91	23	than	than	ADP
fsr-3531	91	24	any	any	PRON
fsr-3531	91	25	of	of	ADP
fsr-3531	91	26	the	the	DET
fsr-3531	91	27	other	other	ADJ
fsr-3531	91	28	program	program	NOUN
fsr-3531	91	29	groups.10	groups.10	NOUN
fsr-3531	91	30	the	the	DET
fsr-3531	91	31	mean	mean	NOUN
fsr-3531	91	32	self	self	NOUN
fsr-3531	91	33	-	-	PUNCT
fsr-3531	91	34	reported	report	VERB
fsr-3531	91	35	financial	financial	ADJ
fsr-3531	91	36	iq	iq	PROPN
fsr-3531	91	37	was	be	AUX
fsr-3531	91	38	4.7	4.7	NUM
fsr-3531	91	39	out	out	ADP
fsr-3531	91	40	of	of	ADP
fsr-3531	91	41	7	7	NUM
fsr-3531	91	42	,	,	PUNCT
fsr-3531	91	43	again	again	ADV
fsr-3531	91	44	with	with	SCONJ
fsr-3531	91	45	business	business	NOUN
fsr-3531	91	46	students	student	NOUN
fsr-3531	91	47	indicating	indicate	VERB
fsr-3531	91	48	a	a	DET
fsr-3531	91	49	significantly	significantly	ADV
fsr-3531	91	50	higher	high	ADJ
fsr-3531	91	51	level	level	NOUN
fsr-3531	91	52	of	of	ADP
fsr-3531	91	53	self	self	NOUN
fsr-3531	91	54	-	-	PUNCT
fsr-3531	91	55	reported	report	VERB
fsr-3531	91	56	financial	financial	ADJ
fsr-3531	91	57	knowledge	knowledge	NOUN
fsr-3531	91	58	compared	compare	VERB
fsr-3531	91	59	to	to	ADP
fsr-3531	91	60	nonbusiness	nonbusiness	NOUN
fsr-3531	91	61	table	table	NOUN
fsr-3531	91	62	3	3	NUM
fsr-3531	91	63	financial	financial	ADJ
fsr-3531	91	64	literacy	literacy	NOUN
fsr-3531	91	65	,	,	PUNCT
fsr-3531	91	66	financial	financial	ADJ
fsr-3531	91	67	concern	concern	NOUN
fsr-3531	91	68	,	,	PUNCT
fsr-3531	91	69	and	and	CCONJ
fsr-3531	91	70	financial	financial	ADJ
fsr-3531	91	71	education	education	NOUN
fsr-3531	91	72	engagement	engagement	NOUN
fsr-3531	91	73	characteristic	characteristic	ADJ
fsr-3531	91	74	overall	overall	ADJ
fsr-3531	91	75	program	program	NOUN
fsr-3531	91	76	type	type	NOUN
fsr-3531	91	77	liberal	liberal	ADJ
fsr-3531	91	78	arts	art	NOUN
fsr-3531	91	79	stem	stem	NOUN
fsr-3531	91	80	business	business	NOUN
fsr-3531	91	81	professional	professional	ADJ
fsr-3531	91	82	financial	financial	ADJ
fsr-3531	91	83	literacy	literacy	NOUN
fsr-3531	91	84	and	and	CCONJ
fsr-3531	91	85	concern	concern	ADJ
fsr-3531	91	86	financial	financial	ADJ
fsr-3531	91	87	literacy	literacy	NOUN
fsr-3531	91	88	quiz	quiz	NOUN
fsr-3531	91	89	score	score	NOUN
fsr-3531	91	90	(	(	PUNCT
fsr-3531	91	91	0–12	0–12	NOUN
fsr-3531	91	92	)	)	PUNCT
fsr-3531	91	93	7.81	7.81	NUM
fsr-3531	91	94	7.57	7.57	NUM
fsr-3531	91	95	7.66	7.66	NUM
fsr-3531	91	96	8.71	8.71	NUM
fsr-3531	91	97	7.71	7.71	NUM
fsr-3531	91	98	financial	financial	ADJ
fsr-3531	91	99	iq	iq	NOUN
fsr-3531	91	100	,	,	PUNCT
fsr-3531	91	101	self	self	NOUN
fsr-3531	91	102	-	-	PUNCT
fsr-3531	91	103	assessed	assess	VERB
fsr-3531	91	104	(	(	PUNCT
fsr-3531	91	105	1–7	1–7	NUM
fsr-3531	91	106	)	)	PUNCT
fsr-3531	91	107	4.67	4.67	NUM
fsr-3531	91	108	4.58	4.58	NUM
fsr-3531	91	109	4.42	4.42	NUM
fsr-3531	91	110	5.28	5.28	NUM
fsr-3531	91	111	4.73	4.73	NUM
fsr-3531	91	112	relative	relative	ADJ
fsr-3531	91	113	finiq	finiq	ADJ
fsr-3531	91	114	(	(	PUNCT
fsr-3531	91	115	0–1	0–1	NOUN
fsr-3531	91	116	)	)	PUNCT
fsr-3531	91	117	0.52	0.52	NUM
fsr-3531	91	118	0.52	0.52	NUM
fsr-3531	91	119	0.53	0.53	NUM
fsr-3531	91	120	0.51	0.51	NUM
fsr-3531	91	121	0.51	0.51	NUM
fsr-3531	91	122	personal	personal	ADJ
fsr-3531	91	123	finance	finance	NOUN
fsr-3531	91	124	concern	concern	NOUN
fsr-3531	91	125	(	(	PUNCT
fsr-3531	91	126	0–1	0–1	NOUN
fsr-3531	91	127	)	)	PUNCT
fsr-3531	91	128	0.72	0.72	NUM
fsr-3531	91	129	0.73	0.73	NUM
fsr-3531	91	130	0.70	0.70	NUM
fsr-3531	91	131	0.71	0.71	NUM
fsr-3531	91	132	0.73	0.73	NUM
fsr-3531	91	133	education	education	NOUN
fsr-3531	91	134	engagement	engagement	NOUN
fsr-3531	91	135	responded	respond	VERB
fsr-3531	91	136	to	to	PART
fsr-3531	91	137	survey	survey	VERB
fsr-3531	91	138	14	14	NUM
fsr-3531	91	139	%	%	NOUN
fsr-3531	91	140	14	14	NUM
fsr-3531	91	141	%	%	NOUN
fsr-3531	91	142	14	14	NUM
fsr-3531	91	143	%	%	NOUN
fsr-3531	91	144	14	14	NUM
fsr-3531	91	145	%	%	NOUN
fsr-3531	91	146	14	14	NUM
fsr-3531	91	147	%	%	NOUN
fsr-3531	91	148	interested	interested	ADJ
fsr-3531	91	149	in	in	ADP
fsr-3531	91	150	financial	financial	ADJ
fsr-3531	91	151	education	education	NOUN
fsr-3531	91	152	48	48	NUM
fsr-3531	91	153	47	47	NUM
fsr-3531	91	154	48	48	NUM
fsr-3531	91	155	46	46	NUM
fsr-3531	91	156	50	50	NUM
fsr-3531	91	157	accept	accept	VERB
fsr-3531	91	158	invite	invite	NOUN
fsr-3531	91	159	j	j	PROPN
fsr-3531	91	160	invited	invite	VERB
fsr-3531	91	161	16	16	NUM
fsr-3531	91	162	17	17	NUM
fsr-3531	91	163	15	15	NUM
fsr-3531	91	164	13	13	NUM
fsr-3531	91	165	17	17	NUM
fsr-3531	91	166	attend	attend	VERB
fsr-3531	91	167	financial	financial	ADJ
fsr-3531	91	168	education	education	NOUN
fsr-3531	91	169	conditional	conditional	ADJ
fsr-3531	91	170	on	on	ADP
fsr-3531	91	171	accepting	accept	VERB
fsr-3531	91	172	invite	invite	VERB
fsr-3531	91	173	36	36	NUM
fsr-3531	91	174	51	51	NUM
fsr-3531	91	175	27	27	NUM
fsr-3531	91	176	42	42	NUM
fsr-3531	91	177	33	33	NUM
fsr-3531	91	178	note	note	NOUN
fsr-3531	91	179	.	.	PUNCT
fsr-3531	92	1	means	mean	NOUN
fsr-3531	92	2	or	or	CCONJ
fsr-3531	92	3	percents	percent	NOUN
fsr-3531	92	4	reported	report	VERB
fsr-3531	92	5	.	.	PUNCT
fsr-3531	93	1	table	table	NOUN
fsr-3531	93	2	2	2	NUM
fsr-3531	93	3	financial	financial	ADJ
fsr-3531	93	4	education	education	NOUN
fsr-3531	93	5	engagement	engagement	NOUN
fsr-3531	93	6	results	result	NOUN
fsr-3531	93	7	engagement	engagement	NOUN
fsr-3531	93	8	number	number	NOUN
fsr-3531	93	9	number	number	NOUN
fsr-3531	93	10	invited	invite	VERB
fsr-3531	93	11	proportion	proportion	NOUN
fsr-3531	93	12	survey	survey	NOUN
fsr-3531	93	13	respondents	respondent	VERB
fsr-3531	93	14	2,487	2,487	NUM
fsr-3531	93	15	17,819	17,819	NUM
fsr-3531	93	16	0.14	0.14	NUM
fsr-3531	93	17	eligible	eligible	ADJ
fsr-3531	93	18	for	for	ADP
fsr-3531	93	19	invite	invite	NOUN
fsr-3531	93	20	1,101	1,101	NUM
fsr-3531	93	21	1,632	1,632	NUM
fsr-3531	93	22	0.67	0.67	NUM
fsr-3531	93	23	interested	interested	ADJ
fsr-3531	93	24	in	in	ADP
fsr-3531	93	25	fin	fin	PROPN
fsr-3531	93	26	ed	ed	PROPN
fsr-3531	93	27	j	j	PROPN
fsr-3531	93	28	eligible	eligible	ADJ
fsr-3531	93	29	511	511	NUM
fsr-3531	93	30	1,101	1,101	NUM
fsr-3531	93	31	0.46	0.46	NUM
fsr-3531	93	32	accepted	accepted	ADJ
fsr-3531	93	33	j	j	PROPN
fsr-3531	93	34	invited	invite	VERB
fsr-3531	93	35	176	176	NUM
fsr-3531	93	36	1,101	1,101	NUM
fsr-3531	93	37	0.16	0.16	NUM
fsr-3531	93	38	attended	attend	VERB
fsr-3531	93	39	j	j	PROPN
fsr-3531	93	40	accepted	accept	VERB
fsr-3531	93	41	invite	invite	VERB
fsr-3531	93	42	64	64	NUM
fsr-3531	93	43	176	176	NUM
fsr-3531	93	44	0.36	0.36	NUM
fsr-3531	93	45	conditional	conditional	ADJ
fsr-3531	93	46	on	on	ADP
fsr-3531	93	47	indicating	indicate	VERB
fsr-3531	93	48	interest	interest	NOUN
fsr-3531	93	49	accepted	accept	VERB
fsr-3531	93	50	invite	invite	VERB
fsr-3531	93	51	383	383	NUM
fsr-3531	93	52	511	511	NUM
fsr-3531	93	53	0.25	0.25	NUM
fsr-3531	93	54	attended	attend	VERB
fsr-3531	93	55	j	j	NOUN
fsr-3531	93	56	accepting	accept	VERB
fsr-3531	93	57	invite	invite	VERB
fsr-3531	93	58	50	50	NUM
fsr-3531	93	59	128	128	NUM
fsr-3531	93	60	0.39	0.39	NUM
fsr-3531	93	61	138	138	NUM
fsr-3531	93	62	b.	b.	PROPN
fsr-3531	93	63	j.	j.	PROPN
fsr-3531	93	64	davis	davis	PROPN
fsr-3531	93	65	et	et	PROPN
fsr-3531	93	66	al	al	PROPN
fsr-3531	93	67	.	.	PUNCT
fsr-3531	93	68	/	/	SYM
fsr-3531	93	69	financial	financial	ADJ
fsr-3531	93	70	services	service	NOUN
fsr-3531	93	71	review	review	VERB
fsr-3531	93	72	31	31	NUM
fsr-3531	93	73	(	(	PUNCT
fsr-3531	93	74	2023	2023	NUM
fsr-3531	93	75	)	)	PUNCT
fsr-3531	94	1	133–150	133–150	NUM
fsr-3531	94	2	students	student	NOUN
fsr-3531	94	3	(	(	PUNCT
fsr-3531	94	4	5.28	5.28	NUM
fsr-3531	94	5	vs.	vs.	ADP
fsr-3531	94	6	4.60	4.60	NUM
fsr-3531	94	7	for	for	ADP
fsr-3531	94	8	nonbusiness	nonbusiness	ADJ
fsr-3531	94	9	students	student	NOUN
fsr-3531	94	10	)	)	PUNCT
fsr-3531	94	11	.	.	PUNCT
fsr-3531	95	1	the	the	DET
fsr-3531	95	2	average	average	ADJ
fsr-3531	95	3	student	student	NOUN
fsr-3531	95	4	was	be	AUX
fsr-3531	95	5	slightly	slightly	ADV
fsr-3531	95	6	underconfident	underconfident	ADJ
fsr-3531	95	7	in	in	ADP
fsr-3531	95	8	their	their	PRON
fsr-3531	95	9	financial	financial	ADJ
fsr-3531	95	10	knowledge	knowledge	NOUN
fsr-3531	95	11	.	.	PUNCT
fsr-3531	96	1	there	there	PRON
fsr-3531	96	2	are	be	VERB
fsr-3531	96	3	limited	limited	ADJ
fsr-3531	96	4	differences	difference	NOUN
fsr-3531	96	5	in	in	ADP
fsr-3531	96	6	the	the	DET
fsr-3531	96	7	relative	relative	ADJ
fsr-3531	96	8	measure	measure	NOUN
fsr-3531	96	9	by	by	ADP
fsr-3531	96	10	program	program	NOUN
fsr-3531	96	11	type	type	NOUN
fsr-3531	96	12	;	;	PUNCT
fsr-3531	96	13	however	however	ADV
fsr-3531	96	14	,	,	PUNCT
fsr-3531	96	15	stem	stem	NOUN
fsr-3531	96	16	students	student	NOUN
fsr-3531	96	17	display	display	VERB
fsr-3531	96	18	significantly	significantly	ADV
fsr-3531	96	19	greater	great	ADJ
fsr-3531	96	20	underconfidence	underconfidence	NOUN
fsr-3531	96	21	compared	compare	VERB
fsr-3531	96	22	with	with	ADP
fsr-3531	96	23	the	the	DET
fsr-3531	96	24	rest	rest	NOUN
fsr-3531	96	25	of	of	ADP
fsr-3531	96	26	the	the	DET
fsr-3531	96	27	surveyed	survey	VERB
fsr-3531	96	28	population	population	NOUN
fsr-3531	96	29	.	.	PUNCT
fsr-3531	97	1	we	we	PRON
fsr-3531	97	2	find	find	VERB
fsr-3531	97	3	no	no	DET
fsr-3531	97	4	significant	significant	ADJ
fsr-3531	97	5	differences	difference	NOUN
fsr-3531	97	6	by	by	ADP
fsr-3531	97	7	program	program	NOUN
fsr-3531	97	8	for	for	ADP
fsr-3531	97	9	students	student	NOUN
fsr-3531	97	10	who	who	PRON
fsr-3531	97	11	responded	respond	VERB
fsr-3531	97	12	to	to	ADP
fsr-3531	97	13	the	the	DET
fsr-3531	97	14	survey	survey	NOUN
fsr-3531	97	15	or	or	CCONJ
fsr-3531	97	16	for	for	ADP
fsr-3531	97	17	those	those	PRON
fsr-3531	97	18	who	who	PRON
fsr-3531	97	19	indicated	indicate	VERB
fsr-3531	97	20	interested	interested	ADJ
fsr-3531	97	21	in	in	ADP
fsr-3531	97	22	attending	attend	VERB
fsr-3531	97	23	a	a	DET
fsr-3531	97	24	financial	financial	ADJ
fsr-3531	97	25	education	education	NOUN
fsr-3531	97	26	seminar	seminar	NOUN
fsr-3531	97	27	or	or	CCONJ
fsr-3531	97	28	for	for	ADP
fsr-3531	97	29	acceptance	acceptance	NOUN
fsr-3531	97	30	rates	rate	NOUN
fsr-3531	97	31	.	.	PUNCT
fsr-3531	98	1	for	for	ADP
fsr-3531	98	2	seminar	seminar	NOUN
fsr-3531	98	3	attendance	attendance	NOUN
fsr-3531	98	4	,	,	PUNCT
fsr-3531	98	5	however	however	ADV
fsr-3531	98	6	,	,	PUNCT
fsr-3531	98	7	we	we	PRON
fsr-3531	98	8	find	find	VERB
fsr-3531	98	9	a	a	DET
fsr-3531	98	10	significantly	significantly	ADV
fsr-3531	98	11	greater	great	ADJ
fsr-3531	98	12	proportion	proportion	NOUN
fsr-3531	98	13	of	of	ADP
fsr-3531	98	14	liberal	liberal	ADJ
fsr-3531	98	15	arts	art	NOUN
fsr-3531	98	16	students	student	NOUN
fsr-3531	98	17	attended	attend	VERB
fsr-3531	98	18	a	a	DET
fsr-3531	98	19	seminar	seminar	NOUN
fsr-3531	98	20	compared	compare	VERB
fsr-3531	98	21	to	to	ADP
fsr-3531	98	22	students	student	NOUN
fsr-3531	98	23	in	in	ADP
fsr-3531	98	24	other	other	ADJ
fsr-3531	98	25	programs	program	NOUN
fsr-3531	98	26	.	.	PUNCT
fsr-3531	99	1	table	table	NOUN
fsr-3531	99	2	4	4	NUM
fsr-3531	99	3	shows	show	VERB
fsr-3531	99	4	asset	asset	NOUN
fsr-3531	99	5	and	and	CCONJ
fsr-3531	99	6	debt	debt	NOUN
fsr-3531	99	7	characteristics	characteristic	NOUN
fsr-3531	99	8	of	of	ADP
fsr-3531	99	9	the	the	DET
fsr-3531	99	10	surveyed	survey	VERB
fsr-3531	99	11	students	student	NOUN
fsr-3531	99	12	.	.	PUNCT
fsr-3531	100	1	we	we	PRON
fsr-3531	100	2	hypothesize	hypothesize	VERB
fsr-3531	100	3	that	that	SCONJ
fsr-3531	100	4	greater	great	ADJ
fsr-3531	100	5	participation	participation	NOUN
fsr-3531	100	6	in	in	ADP
fsr-3531	100	7	financial	financial	ADJ
fsr-3531	100	8	services	service	NOUN
fsr-3531	100	9	and	and	CCONJ
fsr-3531	100	10	the	the	DET
fsr-3531	100	11	incidence	incidence	NOUN
fsr-3531	100	12	of	of	ADP
fsr-3531	100	13	debt	debt	NOUN
fsr-3531	100	14	would	would	AUX
fsr-3531	100	15	be	be	AUX
fsr-3531	100	16	positively	positively	ADV
fsr-3531	100	17	correlated	correlate	VERB
fsr-3531	100	18	to	to	ADP
fsr-3531	100	19	signaling	signal	VERB
fsr-3531	100	20	interest	interest	NOUN
fsr-3531	100	21	in	in	ADP
fsr-3531	100	22	financial	financial	ADJ
fsr-3531	100	23	education	education	NOUN
fsr-3531	100	24	.	.	PUNCT
fsr-3531	101	1	and	and	CCONJ
fsr-3531	101	2	having	have	VERB
fsr-3531	101	3	life	life	NOUN
fsr-3531	101	4	insurance	insurance	NOUN
fsr-3531	101	5	or	or	CCONJ
fsr-3531	101	6	an	an	DET
fsr-3531	101	7	investment	investment	NOUN
fsr-3531	101	8	account	account	NOUN
fsr-3531	101	9	may	may	AUX
fsr-3531	101	10	signal	signal	VERB
fsr-3531	101	11	greater	great	ADJ
fsr-3531	101	12	interest	interest	NOUN
fsr-3531	101	13	in	in	ADP
fsr-3531	101	14	financial	financial	ADJ
fsr-3531	101	15	planning	planning	NOUN
fsr-3531	101	16	over	over	ADP
fsr-3531	101	17	the	the	DET
fsr-3531	101	18	life	life	NOUN
fsr-3531	101	19	cycle	cycle	NOUN
fsr-3531	101	20	.	.	PUNCT
fsr-3531	102	1	we	we	PRON
fsr-3531	102	2	include	include	VERB
fsr-3531	102	3	the	the	DET
fsr-3531	102	4	incidence	incidence	NOUN
fsr-3531	102	5	of	of	ADP
fsr-3531	102	6	students	student	NOUN
fsr-3531	102	7	with	with	ADP
fsr-3531	102	8	a	a	DET
fsr-3531	102	9	checking	check	VERB
fsr-3531	102	10	account	account	NOUN
fsr-3531	102	11	,	,	PUNCT
fsr-3531	102	12	savings	saving	NOUN
fsr-3531	102	13	account	account	NOUN
fsr-3531	102	14	,	,	PUNCT
fsr-3531	102	15	investment	investment	NOUN
fsr-3531	102	16	account	account	NOUN
fsr-3531	102	17	,	,	PUNCT
fsr-3531	102	18	or	or	CCONJ
fsr-3531	102	19	a	a	DET
fsr-3531	102	20	life	life	NOUN
fsr-3531	102	21	insurance	insurance	NOUN
fsr-3531	102	22	policy	policy	NOUN
fsr-3531	102	23	.	.	PUNCT
fsr-3531	103	1	nine	nine	NUM
fsr-3531	103	2	of	of	ADP
fsr-3531	103	3	10	10	NUM
fsr-3531	103	4	students	student	NOUN
fsr-3531	103	5	surveyed	survey	VERB
fsr-3531	103	6	have	have	VERB
fsr-3531	103	7	a	a	DET
fsr-3531	103	8	checking	checking	ADJ
fsr-3531	103	9	account	account	NOUN
fsr-3531	103	10	,	,	PUNCT
fsr-3531	103	11	with	with	ADP
fsr-3531	103	12	three	three	NUM
fsr-3531	103	13	in	in	ADP
fsr-3531	103	14	four	four	NUM
fsr-3531	103	15	having	have	VERB
fsr-3531	103	16	a	a	DET
fsr-3531	103	17	savings	savings	NOUN
fsr-3531	103	18	account	account	NOUN
fsr-3531	103	19	.	.	PUNCT
fsr-3531	104	1	the	the	DET
fsr-3531	104	2	third	third	ADJ
fsr-3531	104	3	row	row	NOUN
fsr-3531	104	4	list	list	NOUN
fsr-3531	104	5	the	the	DET
fsr-3531	104	6	proportion	proportion	NOUN
fsr-3531	104	7	of	of	ADP
fsr-3531	104	8	students	student	NOUN
fsr-3531	104	9	with	with	ADP
fsr-3531	104	10	an	an	DET
fsr-3531	104	11	investment	investment	NOUN
fsr-3531	104	12	account	account	NOUN
fsr-3531	104	13	,	,	PUNCT
fsr-3531	104	14	which	which	PRON
fsr-3531	104	15	we	we	PRON
fsr-3531	104	16	define	define	VERB
fsr-3531	104	17	as	as	ADP
fsr-3531	104	18	having	have	VERB
fsr-3531	104	19	a	a	DET
fsr-3531	104	20	brokerage	brokerage	NOUN
fsr-3531	104	21	account	account	NOUN
fsr-3531	104	22	,	,	PUNCT
fsr-3531	104	23	an	an	DET
fsr-3531	104	24	ira	ira	PROPN
fsr-3531	104	25	,	,	PUNCT
fsr-3531	104	26	or	or	CCONJ
fsr-3531	104	27	an	an	DET
fsr-3531	104	28	employersponsored	employersponsored	ADJ
fsr-3531	104	29	retirement	retirement	NOUN
fsr-3531	104	30	savings	saving	NOUN
fsr-3531	104	31	plan	plan	NOUN
fsr-3531	104	32	.	.	PUNCT
fsr-3531	105	1	this	this	PRON
fsr-3531	105	2	is	be	AUX
fsr-3531	105	3	owned	own	VERB
fsr-3531	105	4	by	by	ADP
fsr-3531	105	5	a	a	DET
fsr-3531	105	6	minority	minority	NOUN
fsr-3531	105	7	of	of	ADP
fsr-3531	105	8	students	student	NOUN
fsr-3531	105	9	(	(	PUNCT
fsr-3531	105	10	38	38	NUM
fsr-3531	105	11	%	%	NOUN
fsr-3531	105	12	)	)	PUNCT
fsr-3531	105	13	,	,	PUNCT
fsr-3531	105	14	but	but	CCONJ
fsr-3531	105	15	varies	vary	VERB
fsr-3531	105	16	significantly	significantly	ADV
fsr-3531	105	17	by	by	ADP
fsr-3531	105	18	program	program	NOUN
fsr-3531	105	19	type	type	NOUN
fsr-3531	105	20	,	,	PUNCT
fsr-3531	105	21	ranging	range	VERB
fsr-3531	105	22	from	from	ADP
fsr-3531	105	23	22	22	NUM
fsr-3531	105	24	%	%	NOUN
fsr-3531	105	25	for	for	ADP
fsr-3531	105	26	stem	stem	NOUN
fsr-3531	105	27	students	student	NOUN
fsr-3531	105	28	to	to	ADP
fsr-3531	105	29	50	50	NUM
fsr-3531	105	30	%	%	NOUN
fsr-3531	105	31	for	for	ADP
fsr-3531	105	32	business	business	NOUN
fsr-3531	105	33	students	student	NOUN
fsr-3531	105	34	.	.	PUNCT
fsr-3531	106	1	we	we	PRON
fsr-3531	106	2	posit	posit	VERB
fsr-3531	106	3	debt	debt	NOUN
fsr-3531	106	4	should	should	AUX
fsr-3531	106	5	be	be	AUX
fsr-3531	106	6	positively	positively	ADV
fsr-3531	106	7	correlated	correlate	VERB
fsr-3531	106	8	with	with	ADP
fsr-3531	106	9	financial	financial	ADJ
fsr-3531	106	10	education	education	NOUN
fsr-3531	106	11	interest	interest	NOUN
fsr-3531	106	12	.	.	PUNCT
fsr-3531	107	1	graduate	graduate	NOUN
fsr-3531	107	2	students	student	NOUN
fsr-3531	107	3	with	with	ADP
fsr-3531	107	4	student	student	NOUN
fsr-3531	107	5	loan	loan	NOUN
fsr-3531	107	6	debt	debt	NOUN
fsr-3531	107	7	need	need	VERB
fsr-3531	107	8	to	to	PART
fsr-3531	107	9	manage	manage	VERB
fsr-3531	107	10	loan	loan	NOUN
fsr-3531	107	11	repayments	repayment	NOUN
fsr-3531	107	12	in	in	ADP
fsr-3531	107	13	conjunction	conjunction	NOUN
fsr-3531	107	14	with	with	ADP
fsr-3531	107	15	other	other	ADJ
fsr-3531	107	16	consumption	consumption	NOUN
fsr-3531	107	17	,	,	PUNCT
fsr-3531	107	18	savings	saving	NOUN
fsr-3531	107	19	,	,	PUNCT
fsr-3531	107	20	and	and	CCONJ
fsr-3531	107	21	investment	investment	NOUN
fsr-3531	107	22	goals	goal	NOUN
fsr-3531	107	23	and	and	CCONJ
fsr-3531	107	24	in	in	ADP
fsr-3531	107	25	context	context	NOUN
fsr-3531	107	26	of	of	ADP
fsr-3531	107	27	their	their	PRON
fsr-3531	107	28	postgraduate	postgraduate	NOUN
fsr-3531	107	29	career	career	NOUN
fsr-3531	107	30	outlook	outlook	NOUN
fsr-3531	107	31	.	.	PUNCT
fsr-3531	108	1	over	over	ADP
fsr-3531	108	2	half	half	NOUN
fsr-3531	108	3	of	of	ADP
fsr-3531	108	4	the	the	DET
fsr-3531	108	5	sample	sample	NOUN
fsr-3531	108	6	has	have	VERB
fsr-3531	108	7	some	some	DET
fsr-3531	108	8	form	form	NOUN
fsr-3531	108	9	of	of	ADP
fsr-3531	108	10	student	student	NOUN
fsr-3531	108	11	loan	loan	NOUN
fsr-3531	108	12	debt	debt	NOUN
fsr-3531	108	13	,	,	PUNCT
fsr-3531	108	14	and	and	CCONJ
fsr-3531	108	15	this	this	PRON
fsr-3531	108	16	varies	vary	VERB
fsr-3531	108	17	significantly	significantly	ADV
fsr-3531	108	18	by	by	ADP
fsr-3531	108	19	a	a	DET
fsr-3531	108	20	student	student	NOUN
fsr-3531	108	21	’s	’s	PART
fsr-3531	108	22	major	major	ADJ
fsr-3531	108	23	field	field	NOUN
fsr-3531	108	24	.	.	PUNCT
fsr-3531	109	1	professional	professional	ADJ
fsr-3531	109	2	students	student	NOUN
fsr-3531	109	3	were	be	AUX
fsr-3531	109	4	significantly	significantly	ADV
fsr-3531	109	5	more	more	ADV
fsr-3531	109	6	likely	likely	ADJ
fsr-3531	109	7	to	to	PART
fsr-3531	109	8	have	have	VERB
fsr-3531	109	9	any	any	DET
fsr-3531	109	10	debt	debt	NOUN
fsr-3531	109	11	,	,	PUNCT
fsr-3531	109	12	both	both	DET
fsr-3531	109	13	debt	debt	NOUN
fsr-3531	109	14	from	from	ADP
fsr-3531	109	15	graduate	graduate	NOUN
fsr-3531	109	16	and	and	CCONJ
fsr-3531	109	17	undergraduate	undergraduate	ADJ
fsr-3531	109	18	studies	study	NOUN
fsr-3531	109	19	and	and	CCONJ
fsr-3531	109	20	from	from	ADP
fsr-3531	109	21	credit	credit	NOUN
fsr-3531	109	22	cards	card	NOUN
fsr-3531	109	23	.	.	PUNCT
fsr-3531	110	1	table	table	NOUN
fsr-3531	110	2	4	4	NUM
fsr-3531	110	3	other	other	ADJ
fsr-3531	110	4	student	student	NOUN
fsr-3531	110	5	characteristics	characteristic	NOUN
fsr-3531	110	6	,	,	PUNCT
fsr-3531	110	7	assets	asset	NOUN
fsr-3531	110	8	and	and	CCONJ
fsr-3531	110	9	debt	debt	NOUN
fsr-3531	110	10	characteristic	characteristic	ADJ
fsr-3531	110	11	overall	overall	ADJ
fsr-3531	110	12	program	program	NOUN
fsr-3531	110	13	type	type	NOUN
fsr-3531	110	14	liberal	liberal	ADJ
fsr-3531	110	15	arts	art	NOUN
fsr-3531	110	16	stem	stem	VERB
fsr-3531	110	17	business	business	NOUN
fsr-3531	110	18	professional	professional	ADJ
fsr-3531	110	19	banking	banking	NOUN
fsr-3531	110	20	,	,	PUNCT
fsr-3531	110	21	assets	asset	NOUN
fsr-3531	110	22	,	,	PUNCT
fsr-3531	110	23	insurance	insurance	NOUN
fsr-3531	110	24	checking	checking	NOUN
fsr-3531	110	25	account	account	NOUN
fsr-3531	110	26	90	90	NUM
fsr-3531	110	27	%	%	NOUN
fsr-3531	110	28	93	93	NUM
fsr-3531	110	29	%	%	NOUN
fsr-3531	110	30	88	88	NUM
fsr-3531	110	31	%	%	NOUN
fsr-3531	110	32	88	88	NUM
fsr-3531	110	33	%	%	NOUN
fsr-3531	110	34	90	90	NUM
fsr-3531	110	35	%	%	NOUN
fsr-3531	110	36	savings	saving	NOUN
fsr-3531	110	37	account	account	VERB
fsr-3531	110	38	74	74	NUM
fsr-3531	110	39	78	78	NUM
fsr-3531	110	40	71	71	NUM
fsr-3531	110	41	72	72	NUM
fsr-3531	110	42	75	75	NUM
fsr-3531	110	43	investment	investment	NOUN
fsr-3531	110	44	account	account	NOUN
fsr-3531	110	45	38	38	NUM
fsr-3531	110	46	38	38	NUM
fsr-3531	110	47	22	22	NUM
fsr-3531	110	48	50	50	NUM
fsr-3531	110	49	44	44	NUM
fsr-3531	110	50	life	life	NOUN
fsr-3531	110	51	insurance	insurance	NOUN
fsr-3531	110	52	34	34	NUM
fsr-3531	110	53	29	29	NUM
fsr-3531	110	54	23	23	NUM
fsr-3531	110	55	38	38	NUM
fsr-3531	110	56	42	42	NUM
fsr-3531	110	57	student	student	NOUN
fsr-3531	110	58	debt	debt	NOUN
fsr-3531	110	59	only	only	ADV
fsr-3531	110	60	undergraduate	undergraduate	VERB
fsr-3531	110	61	9	9	NUM
fsr-3531	110	62	12	12	NUM
fsr-3531	110	63	9	9	NUM
fsr-3531	110	64	5	5	NUM
fsr-3531	110	65	8	8	NUM
fsr-3531	110	66	only	only	ADV
fsr-3531	110	67	graduate	graduate	VERB
fsr-3531	110	68	19	19	NUM
fsr-3531	110	69	16	16	NUM
fsr-3531	110	70	22	22	NUM
fsr-3531	110	71	26	26	NUM
fsr-3531	110	72	17	17	NUM
fsr-3531	110	73	both	both	DET
fsr-3531	110	74	undergrad	undergrad	NOUN
fsr-3531	110	75	and	and	CCONJ
fsr-3531	110	76	grad	grad	ADJ
fsr-3531	110	77	28	28	NUM
fsr-3531	110	78	30	30	NUM
fsr-3531	110	79	22	22	NUM
fsr-3531	110	80	15	15	NUM
fsr-3531	110	81	36	36	NUM
fsr-3531	110	82	any	any	DET
fsr-3531	110	83	student	student	NOUN
fsr-3531	110	84	debt	debt	NOUN
fsr-3531	110	85	56	56	NUM
fsr-3531	110	86	57	57	NUM
fsr-3531	110	87	53	53	NUM
fsr-3531	110	88	46	46	NUM
fsr-3531	110	89	61	61	NUM
fsr-3531	110	90	other	other	ADJ
fsr-3531	110	91	debt	debt	NOUN
fsr-3531	110	92	credit	credit	NOUN
fsr-3531	110	93	card	card	NOUN
fsr-3531	110	94	31	31	NUM
fsr-3531	110	95	34	34	NUM
fsr-3531	110	96	23	23	NUM
fsr-3531	110	97	26	26	NUM
fsr-3531	110	98	37	37	NUM
fsr-3531	110	99	auto	auto	NOUN
fsr-3531	110	100	20	20	NUM
fsr-3531	110	101	16	16	NUM
fsr-3531	110	102	15	15	NUM
fsr-3531	110	103	23	23	NUM
fsr-3531	110	104	24	24	NUM
fsr-3531	110	105	mortgage	mortgage	NOUN
fsr-3531	110	106	20	20	NUM
fsr-3531	110	107	20	20	NUM
fsr-3531	110	108	11	11	NUM
fsr-3531	110	109	24	24	NUM
fsr-3531	110	110	25	25	NUM
fsr-3531	110	111	home	home	NOUN
fsr-3531	110	112	ownership	ownership	NOUN
fsr-3531	110	113	home	home	NOUN
fsr-3531	110	114	owner	owner	NOUN
fsr-3531	110	115	22	22	NUM
fsr-3531	110	116	21	21	NUM
fsr-3531	110	117	12	12	NUM
fsr-3531	110	118	27	27	NUM
fsr-3531	110	119	28	28	NUM
fsr-3531	110	120	plan	plan	NOUN
fsr-3531	110	121	to	to	PART
fsr-3531	110	122	purchase	purchase	VERB
fsr-3531	110	123	home	home	NOUN
fsr-3531	110	124	46	46	NUM
fsr-3531	110	125	39	39	NUM
fsr-3531	110	126	55	55	NUM
fsr-3531	110	127	50	50	NUM
fsr-3531	110	128	43	43	NUM
fsr-3531	110	129	b.	b.	PROPN
fsr-3531	110	130	j.	j.	PROPN
fsr-3531	110	131	davis	davis	PROPN
fsr-3531	110	132	et	et	PROPN
fsr-3531	110	133	al	al	PROPN
fsr-3531	110	134	.	.	PUNCT
fsr-3531	110	135	/	/	SYM
fsr-3531	110	136	financial	financial	ADJ
fsr-3531	110	137	services	service	NOUN
fsr-3531	110	138	review	review	VERB
fsr-3531	110	139	31	31	NUM
fsr-3531	110	140	(	(	PUNCT
fsr-3531	110	141	2023	2023	NUM
fsr-3531	110	142	)	)	PUNCT
fsr-3531	110	143	133–150	133–150	NUM
fsr-3531	110	144	139	139	NUM
fsr-3531	110	145	credit	credit	NOUN
fsr-3531	110	146	card	card	NOUN
fsr-3531	110	147	debt	debt	NOUN
fsr-3531	110	148	may	may	AUX
fsr-3531	110	149	demonstrate	demonstrate	VERB
fsr-3531	110	150	greater	great	ADJ
fsr-3531	110	151	need	need	NOUN
fsr-3531	110	152	for	for	ADP
fsr-3531	110	153	financial	financial	ADJ
fsr-3531	110	154	education	education	NOUN
fsr-3531	110	155	since	since	SCONJ
fsr-3531	110	156	it	it	PRON
fsr-3531	110	157	relates	relate	VERB
fsr-3531	110	158	to	to	ADP
fsr-3531	110	159	household	household	NOUN
fsr-3531	110	160	balance	balance	NOUN
fsr-3531	110	161	sheets	sheet	NOUN
fsr-3531	110	162	and	and	CCONJ
fsr-3531	110	163	not	not	PART
fsr-3531	110	164	to	to	ADP
fsr-3531	110	165	human	human	ADJ
fsr-3531	110	166	capital	capital	NOUN
fsr-3531	110	167	acquisition	acquisition	NOUN
fsr-3531	110	168	or	or	CCONJ
fsr-3531	110	169	indicates	indicate	VERB
fsr-3531	110	170	the	the	DET
fsr-3531	110	171	reliance	reliance	NOUN
fsr-3531	110	172	on	on	ADP
fsr-3531	110	173	high	high	ADJ
fsr-3531	110	174	-	-	PUNCT
fsr-3531	110	175	cost	cost	NOUN
fsr-3531	110	176	credit	credit	NOUN
fsr-3531	110	177	card	card	NOUN
fsr-3531	110	178	debt	debt	NOUN
fsr-3531	110	179	to	to	PART
fsr-3531	110	180	finance	finance	VERB
fsr-3531	110	181	education	education	NOUN
fsr-3531	110	182	expenses	expense	NOUN
fsr-3531	110	183	.	.	PUNCT
fsr-3531	111	1	our	our	PRON
fsr-3531	111	2	final	final	ADJ
fsr-3531	111	3	category	category	NOUN
fsr-3531	111	4	is	be	AUX
fsr-3531	111	5	home	home	NOUN
fsr-3531	111	6	ownership	ownership	NOUN
fsr-3531	111	7	.	.	PUNCT
fsr-3531	112	1	about	about	ADV
fsr-3531	112	2	one	one	NUM
fsr-3531	112	3	in	in	ADP
fsr-3531	112	4	five	five	NUM
fsr-3531	112	5	already	already	ADV
fsr-3531	112	6	own	own	VERB
fsr-3531	112	7	a	a	DET
fsr-3531	112	8	home	home	NOUN
fsr-3531	112	9	and	and	CCONJ
fsr-3531	112	10	roughly	roughly	ADV
fsr-3531	112	11	50	50	NUM
fsr-3531	112	12	%	%	NOUN
fsr-3531	112	13	of	of	ADP
fsr-3531	112	14	students	student	NOUN
fsr-3531	112	15	are	be	AUX
fsr-3531	112	16	planning	plan	VERB
fsr-3531	112	17	to	to	PART
fsr-3531	112	18	purchase	purchase	VERB
fsr-3531	112	19	one	one	NUM
fsr-3531	112	20	in	in	ADP
fsr-3531	112	21	the	the	DET
fsr-3531	112	22	next	next	ADJ
fsr-3531	112	23	10	10	NUM
fsr-3531	112	24	years	year	NOUN
fsr-3531	112	25	,	,	PUNCT
fsr-3531	112	26	which	which	PRON
fsr-3531	112	27	varies	vary	VERB
fsr-3531	112	28	significantly	significantly	ADV
fsr-3531	112	29	by	by	ADP
fsr-3531	112	30	a	a	DET
fsr-3531	112	31	student	student	NOUN
fsr-3531	112	32	’s	’s	PART
fsr-3531	112	33	major	major	ADJ
fsr-3531	112	34	field	field	NOUN
fsr-3531	112	35	.	.	PUNCT
fsr-3531	113	1	we	we	PRON
fsr-3531	113	2	later	later	ADV
fsr-3531	113	3	control	control	VERB
fsr-3531	113	4	for	for	ADP
fsr-3531	113	5	this	this	PRON
fsr-3531	113	6	in	in	ADP
fsr-3531	113	7	our	our	PRON
fsr-3531	113	8	regression	regression	NOUN
fsr-3531	113	9	analysis	analysis	NOUN
fsr-3531	113	10	because	because	SCONJ
fsr-3531	113	11	purchasing	purchase	VERB
fsr-3531	113	12	a	a	DET
fsr-3531	113	13	home	home	NOUN
fsr-3531	113	14	involves	involve	VERB
fsr-3531	113	15	a	a	DET
fsr-3531	113	16	substantial	substantial	ADJ
fsr-3531	113	17	amount	amount	NOUN
fsr-3531	113	18	of	of	ADP
fsr-3531	113	19	financial	financial	ADJ
fsr-3531	113	20	planning	planning	NOUN
fsr-3531	113	21	,	,	PUNCT
fsr-3531	113	22	and	and	CCONJ
fsr-3531	113	23	we	we	PRON
fsr-3531	113	24	expect	expect	VERB
fsr-3531	113	25	those	those	DET
fsr-3531	113	26	planning	planning	NOUN
fsr-3531	113	27	to	to	PART
fsr-3531	113	28	purchase	purchase	VERB
fsr-3531	113	29	a	a	DET
fsr-3531	113	30	home	home	NOUN
fsr-3531	113	31	to	to	PART
fsr-3531	113	32	have	have	VERB
fsr-3531	113	33	greater	great	ADJ
fsr-3531	113	34	interest	interest	NOUN
fsr-3531	113	35	in	in	ADP
fsr-3531	113	36	financial	financial	ADJ
fsr-3531	113	37	education	education	NOUN
fsr-3531	113	38	.	.	PUNCT
fsr-3531	114	1	3.2	3.2	NUM
fsr-3531	114	2	.	.	PUNCT
fsr-3531	114	3	interest	interest	NOUN
fsr-3531	114	4	in	in	ADP
fsr-3531	114	5	financial	financial	ADJ
fsr-3531	114	6	education	education	NOUN
fsr-3531	114	7	in	in	ADP
fsr-3531	114	8	this	this	DET
fsr-3531	114	9	section	section	NOUN
fsr-3531	114	10	,	,	PUNCT
fsr-3531	114	11	we	we	PRON
fsr-3531	114	12	explore	explore	VERB
fsr-3531	114	13	the	the	DET
fsr-3531	114	14	relationship	relationship	NOUN
fsr-3531	114	15	between	between	ADP
fsr-3531	114	16	self	self	NOUN
fsr-3531	114	17	-	-	PUNCT
fsr-3531	114	18	assessed	assess	VERB
fsr-3531	114	19	and	and	CCONJ
fsr-3531	114	20	measured	measure	VERB
fsr-3531	114	21	financial	financial	ADJ
fsr-3531	114	22	literacy	literacy	NOUN
fsr-3531	114	23	and	and	CCONJ
fsr-3531	114	24	graduate	graduate	NOUN
fsr-3531	114	25	student	student	NOUN
fsr-3531	114	26	initial	initial	ADJ
fsr-3531	114	27	interest	interest	NOUN
fsr-3531	114	28	in	in	ADP
fsr-3531	114	29	attending	attend	VERB
fsr-3531	114	30	a	a	DET
fsr-3531	114	31	financial	financial	ADJ
fsr-3531	114	32	education	education	NOUN
fsr-3531	114	33	seminar	seminar	NOUN
fsr-3531	114	34	.	.	PUNCT
fsr-3531	115	1	nearly	nearly	ADV
fsr-3531	115	2	half	half	NOUN
fsr-3531	115	3	(	(	PUNCT
fsr-3531	115	4	48	48	NUM
fsr-3531	115	5	%	%	NOUN
fsr-3531	115	6	)	)	PUNCT
fsr-3531	115	7	of	of	ADP
fsr-3531	115	8	the	the	DET
fsr-3531	115	9	students	student	NOUN
fsr-3531	115	10	who	who	PRON
fsr-3531	115	11	participated	participate	VERB
fsr-3531	115	12	in	in	ADP
fsr-3531	115	13	the	the	DET
fsr-3531	115	14	survey	survey	NOUN
fsr-3531	115	15	indicated	indicate	VERB
fsr-3531	115	16	they	they	PRON
fsr-3531	115	17	were	be	AUX
fsr-3531	115	18	interested	interested	ADJ
fsr-3531	115	19	in	in	ADP
fsr-3531	115	20	financial	financial	ADJ
fsr-3531	115	21	education	education	NOUN
fsr-3531	115	22	.	.	PUNCT
fsr-3531	116	1	in	in	ADP
fsr-3531	116	2	table	table	NOUN
fsr-3531	116	3	5	5	NUM
fsr-3531	116	4	,	,	PUNCT
fsr-3531	116	5	we	we	PRON
fsr-3531	116	6	find	find	VERB
fsr-3531	116	7	differences	difference	NOUN
fsr-3531	116	8	for	for	ADP
fsr-3531	116	9	indicated	indicate	VERB
fsr-3531	116	10	interest	interest	NOUN
fsr-3531	116	11	across	across	ADP
fsr-3531	116	12	nearly	nearly	ADV
fsr-3531	116	13	all	all	PRON
fsr-3531	116	14	individual	individual	ADJ
fsr-3531	116	15	characteristics	characteristic	NOUN
fsr-3531	116	16	.	.	PUNCT
fsr-3531	117	1	while	while	SCONJ
fsr-3531	117	2	individuals	individual	NOUN
fsr-3531	117	3	who	who	PRON
fsr-3531	117	4	do	do	AUX
fsr-3531	117	5	not	not	PART
fsr-3531	117	6	interact	interact	VERB
fsr-3531	117	7	with	with	ADP
fsr-3531	117	8	financial	financial	ADJ
fsr-3531	117	9	institutions	institution	NOUN
fsr-3531	117	10	may	may	AUX
fsr-3531	117	11	gain	gain	VERB
fsr-3531	117	12	marginally	marginally	ADV
fsr-3531	117	13	greater	great	ADJ
fsr-3531	117	14	benefit	benefit	NOUN
fsr-3531	117	15	from	from	ADP
fsr-3531	117	16	financial	financial	ADJ
fsr-3531	117	17	education	education	NOUN
fsr-3531	117	18	,	,	PUNCT
fsr-3531	117	19	we	we	PRON
fsr-3531	117	20	find	find	VERB
fsr-3531	117	21	that	that	SCONJ
fsr-3531	117	22	those	those	PRON
fsr-3531	117	23	without	without	ADP
fsr-3531	117	24	checking	checking	NOUN
fsr-3531	117	25	and	and	CCONJ
fsr-3531	117	26	savings	saving	NOUN
fsr-3531	117	27	accounts	account	NOUN
fsr-3531	117	28	,	,	PUNCT
fsr-3531	117	29	or	or	CCONJ
fsr-3531	117	30	life	life	NOUN
fsr-3531	117	31	insurance	insurance	NOUN
fsr-3531	117	32	are	be	AUX
fsr-3531	117	33	significantly	significantly	ADV
fsr-3531	117	34	less	less	ADV
fsr-3531	117	35	interested	interested	ADJ
fsr-3531	117	36	in	in	ADP
fsr-3531	117	37	financial	financial	ADJ
fsr-3531	117	38	education	education	NOUN
fsr-3531	117	39	.	.	PUNCT
fsr-3531	118	1	however	however	ADV
fsr-3531	118	2	,	,	PUNCT
fsr-3531	118	3	on	on	ADP
fsr-3531	118	4	the	the	DET
fsr-3531	118	5	liability	liability	NOUN
fsr-3531	118	6	side	side	NOUN
fsr-3531	118	7	of	of	ADP
fsr-3531	118	8	household	household	NOUN
fsr-3531	118	9	balance	balance	NOUN
fsr-3531	118	10	sheets	sheet	NOUN
fsr-3531	118	11	,	,	PUNCT
fsr-3531	118	12	students	student	NOUN
fsr-3531	118	13	with	with	ADP
fsr-3531	118	14	student	student	NOUN
fsr-3531	118	15	loan	loan	NOUN
fsr-3531	118	16	debt	debt	NOUN
fsr-3531	118	17	or	or	CCONJ
fsr-3531	118	18	credit	credit	NOUN
fsr-3531	118	19	card	card	NOUN
fsr-3531	118	20	debt	debt	NOUN
fsr-3531	118	21	were	be	AUX
fsr-3531	118	22	more	more	ADV
fsr-3531	118	23	likely	likely	ADJ
fsr-3531	118	24	to	to	PART
fsr-3531	118	25	be	be	AUX
fsr-3531	118	26	interested	interested	ADJ
fsr-3531	118	27	in	in	ADP
fsr-3531	118	28	the	the	DET
fsr-3531	118	29	educational	educational	ADJ
fsr-3531	118	30	offerings	offering	NOUN
fsr-3531	118	31	.	.	PUNCT
fsr-3531	119	1	table	table	NOUN
fsr-3531	119	2	5	5	NUM
fsr-3531	119	3	student	student	NOUN
fsr-3531	119	4	characteristics	characteristic	NOUN
fsr-3531	119	5	by	by	ADP
fsr-3531	119	6	financial	financial	ADJ
fsr-3531	119	7	education	education	NOUN
fsr-3531	119	8	interest	interest	NOUN
fsr-3531	119	9	survey	survey	NOUN
fsr-3531	119	10	characteristics	characteristic	NOUN
fsr-3531	119	11	interested	interested	ADJ
fsr-3531	119	12	not	not	PART
fsr-3531	119	13	interested	interested	ADJ
fsr-3531	119	14	sig	sig	PRON
fsr-3531	119	15	financial	financial	ADJ
fsr-3531	119	16	literacy	literacy	NOUN
fsr-3531	119	17	and	and	CCONJ
fsr-3531	119	18	concern	concern	ADJ
fsr-3531	119	19	financial	financial	ADJ
fsr-3531	119	20	literacy	literacy	NOUN
fsr-3531	119	21	quiz	quiz	NOUN
fsr-3531	119	22	score	score	VERB
fsr-3531	119	23	8.31	8.31	NUM
fsr-3531	119	24	7.19	7.19	NUM
fsr-3531	119	25	*	*	PUNCT
fsr-3531	119	26	*	*	PUNCT
fsr-3531	119	27	*	*	PUNCT
fsr-3531	119	28	financial	financial	ADJ
fsr-3531	119	29	iq	iq	NOUN
fsr-3531	119	30	(	(	PUNCT
fsr-3531	119	31	self	self	NOUN
fsr-3531	119	32	-	-	PUNCT
fsr-3531	119	33	assessed	assess	VERB
fsr-3531	119	34	)	)	PUNCT
fsr-3531	119	35	4.59	4.59	NUM
fsr-3531	119	36	4.82	4.82	NUM
fsr-3531	119	37	*	*	PUNCT
fsr-3531	119	38	*	*	PUNCT
fsr-3531	119	39	*	*	PUNCT
fsr-3531	119	40	relative	relative	ADJ
fsr-3531	119	41	finiq	finiq	ADJ
fsr-3531	119	42	0.55	0.55	NUM
fsr-3531	119	43	0.48	0.48	NUM
fsr-3531	119	44	*	*	PUNCT
fsr-3531	119	45	*	*	PUNCT
fsr-3531	119	46	*	*	PUNCT
fsr-3531	119	47	personal	personal	ADJ
fsr-3531	119	48	finance	finance	NOUN
fsr-3531	119	49	concern	concern	NOUN
fsr-3531	119	50	0.75	0.75	NUM
fsr-3531	119	51	0.69	0.69	NUM
fsr-3531	119	52	*	*	PUNCT
fsr-3531	119	53	*	*	PUNCT
fsr-3531	119	54	*	*	PUNCT
fsr-3531	119	55	banking	banking	NOUN
fsr-3531	119	56	,	,	PUNCT
fsr-3531	119	57	assets	asset	NOUN
fsr-3531	119	58	,	,	PUNCT
fsr-3531	119	59	insurance	insurance	NOUN
fsr-3531	119	60	checking	checking	NOUN
fsr-3531	119	61	account	account	NOUN
fsr-3531	119	62	98	98	NUM
fsr-3531	119	63	%	%	NOUN
fsr-3531	119	64	81	81	NUM
fsr-3531	119	65	%	%	NOUN
fsr-3531	119	66	*	*	PUNCT
fsr-3531	119	67	*	*	PUNCT
fsr-3531	119	68	*	*	VERB
fsr-3531	119	69	savings	saving	NOUN
fsr-3531	119	70	account	account	VERB
fsr-3531	119	71	83	83	NUM
fsr-3531	119	72	65	65	NUM
fsr-3531	119	73	*	*	PUNCT
fsr-3531	119	74	*	*	PUNCT
fsr-3531	119	75	*	*	PUNCT
fsr-3531	119	76	investment	investment	NOUN
fsr-3531	119	77	account	account	NOUN
fsr-3531	119	78	42	42	NUM
fsr-3531	119	79	34	34	NUM
fsr-3531	119	80	*	*	PUNCT
fsr-3531	119	81	*	*	PUNCT
fsr-3531	119	82	*	*	PUNCT
fsr-3531	119	83	life	life	NOUN
fsr-3531	119	84	insurance	insurance	NOUN
fsr-3531	119	85	37	37	NUM
fsr-3531	119	86	31	31	NUM
fsr-3531	119	87	*	*	PUNCT
fsr-3531	119	88	*	*	PUNCT
fsr-3531	119	89	*	*	PUNCT
fsr-3531	119	90	student	student	NOUN
fsr-3531	119	91	debt	debt	NOUN
fsr-3531	119	92	only	only	ADV
fsr-3531	119	93	undergraduate	undergraduate	ADJ
fsr-3531	119	94	11	11	NUM
fsr-3531	119	95	%	%	NOUN
fsr-3531	119	96	7	7	NUM
fsr-3531	119	97	%	%	NOUN
fsr-3531	119	98	*	*	PUNCT
fsr-3531	120	1	*	*	PUNCT
fsr-3531	120	2	*	*	PUNCT
fsr-3531	120	3	only	only	ADV
fsr-3531	120	4	graduate	graduate	VERB
fsr-3531	120	5	21	21	NUM
fsr-3531	120	6	18	18	NUM
fsr-3531	120	7	*	*	PUNCT
fsr-3531	120	8	both	both	CCONJ
fsr-3531	120	9	undergrad	undergrad	NOUN
fsr-3531	120	10	and	and	CCONJ
fsr-3531	120	11	grad	grad	ADJ
fsr-3531	120	12	32	32	NUM
fsr-3531	120	13	24	24	NUM
fsr-3531	120	14	*	*	PUNCT
fsr-3531	120	15	*	*	PUNCT
fsr-3531	120	16	*	*	PUNCT
fsr-3531	120	17	any	any	DET
fsr-3531	120	18	student	student	NOUN
fsr-3531	120	19	debt	debt	NOUN
fsr-3531	120	20	64	64	NUM
fsr-3531	120	21	48	48	NUM
fsr-3531	120	22	*	*	PUNCT
fsr-3531	120	23	*	*	PUNCT
fsr-3531	120	24	*	*	PUNCT
fsr-3531	120	25	other	other	ADJ
fsr-3531	120	26	debt	debt	NOUN
fsr-3531	120	27	credit	credit	NOUN
fsr-3531	120	28	card	card	NOUN
fsr-3531	120	29	37	37	NUM
fsr-3531	120	30	%	%	NOUN
fsr-3531	120	31	26	26	NUM
fsr-3531	120	32	%	%	NOUN
fsr-3531	120	33	*	*	PUNCT
fsr-3531	120	34	*	*	PUNCT
fsr-3531	120	35	*	*	PUNCT
fsr-3531	120	36	auto	auto	NOUN
fsr-3531	120	37	loan	loan	NOUN
fsr-3531	120	38	23	23	NUM
fsr-3531	120	39	17	17	NUM
fsr-3531	120	40	*	*	PUNCT
fsr-3531	120	41	*	*	PUNCT
fsr-3531	120	42	*	*	PUNCT
fsr-3531	120	43	mortgage	mortgage	NOUN
fsr-3531	120	44	20	20	NUM
fsr-3531	120	45	20	20	NUM
fsr-3531	120	46	home	home	NOUN
fsr-3531	120	47	ownership	ownership	NOUN
fsr-3531	120	48	own	own	ADJ
fsr-3531	120	49	home	home	NOUN
fsr-3531	120	50	21	21	NUM
fsr-3531	120	51	%	%	NOUN
fsr-3531	120	52	23	23	NUM
fsr-3531	120	53	%	%	NOUN
fsr-3531	120	54	plan	plan	NOUN
fsr-3531	120	55	to	to	PART
fsr-3531	120	56	own	own	VERB
fsr-3531	120	57	home	home	ADV
fsr-3531	120	58	55	55	NUM
fsr-3531	120	59	39	39	NUM
fsr-3531	120	60	*	*	PUNCT
fsr-3531	120	61	*	*	PUNCT
fsr-3531	120	62	*	*	PUNCT
fsr-3531	120	63	note	note	NOUN
fsr-3531	120	64	.	.	PUNCT
fsr-3531	121	1	means	mean	NOUN
fsr-3531	121	2	or	or	CCONJ
fsr-3531	121	3	percents	percent	NOUN
fsr-3531	121	4	shown	show	VERB
fsr-3531	121	5	.	.	PUNCT
fsr-3531	122	1	*	*	PUNCT
fsr-3531	123	1	and	and	CCONJ
fsr-3531	123	2	*	*	PUNCT
fsr-3531	123	3	*	*	PUNCT
fsr-3531	123	4	*	*	PUNCT
fsr-3531	123	5	indicates	indicate	VERB
fsr-3531	123	6	differences	difference	NOUN
fsr-3531	123	7	are	be	AUX
fsr-3531	123	8	significant	significant	ADJ
fsr-3531	123	9	at	at	ADP
fsr-3531	123	10	the	the	DET
fsr-3531	123	11	10	10	NUM
fsr-3531	123	12	%	%	NOUN
fsr-3531	123	13	and	and	CCONJ
fsr-3531	123	14	1	1	NUM
fsr-3531	123	15	%	%	NOUN
fsr-3531	123	16	levels	level	NOUN
fsr-3531	123	17	,	,	PUNCT
fsr-3531	123	18	respectively	respectively	ADV
fsr-3531	123	19	.	.	PUNCT
fsr-3531	124	1	140	140	NUM
fsr-3531	124	2	b.	b.	PROPN
fsr-3531	124	3	j.	j.	PROPN
fsr-3531	124	4	davis	davis	PROPN
fsr-3531	124	5	et	et	PROPN
fsr-3531	124	6	al	al	PROPN
fsr-3531	124	7	.	.	PUNCT
fsr-3531	124	8	/	/	SYM
fsr-3531	124	9	financial	financial	ADJ
fsr-3531	124	10	services	service	NOUN
fsr-3531	124	11	review	review	VERB
fsr-3531	124	12	31	31	NUM
fsr-3531	124	13	(	(	PUNCT
fsr-3531	124	14	2023	2023	NUM
fsr-3531	124	15	)	)	PUNCT
fsr-3531	124	16	133–150	133–150	NUM
fsr-3531	124	17	graduate	graduate	NOUN
fsr-3531	124	18	students	student	NOUN
fsr-3531	124	19	signaling	signal	VERB
fsr-3531	124	20	interest	interest	NOUN
fsr-3531	124	21	in	in	ADP
fsr-3531	124	22	financial	financial	ADJ
fsr-3531	124	23	education	education	NOUN
fsr-3531	124	24	have	have	VERB
fsr-3531	124	25	significantly	significantly	ADV
fsr-3531	124	26	higher	high	ADJ
fsr-3531	124	27	financial	financial	ADJ
fsr-3531	124	28	literacy	literacy	NOUN
fsr-3531	124	29	,	,	PUNCT
fsr-3531	124	30	with	with	ADP
fsr-3531	124	31	interested	interested	ADJ
fsr-3531	124	32	students	student	NOUN
fsr-3531	124	33	averaging	average	VERB
fsr-3531	124	34	about	about	ADV
fsr-3531	124	35	1.2	1.2	NUM
fsr-3531	124	36	more	more	ADJ
fsr-3531	124	37	correct	correct	ADJ
fsr-3531	124	38	answers	answer	NOUN
fsr-3531	124	39	compared	compare	VERB
fsr-3531	124	40	to	to	ADP
fsr-3531	124	41	non	non	ADJ
fsr-3531	124	42	-	-	ADJ
fsr-3531	124	43	interested	interested	ADJ
fsr-3531	124	44	students	student	NOUN
fsr-3531	124	45	.	.	PUNCT
fsr-3531	125	1	further	far	ADV
fsr-3531	125	2	,	,	PUNCT
fsr-3531	125	3	non	non	ADJ
fsr-3531	125	4	-	-	ADJ
fsr-3531	125	5	interested	interested	ADJ
fsr-3531	125	6	students	student	NOUN
fsr-3531	125	7	are	be	AUX
fsr-3531	125	8	significantly	significantly	ADV
fsr-3531	125	9	more	more	ADV
fsr-3531	125	10	overconfident	overconfident	ADJ
fsr-3531	125	11	in	in	ADP
fsr-3531	125	12	their	their	PRON
fsr-3531	125	13	financial	financial	ADJ
fsr-3531	125	14	knowledge	knowledge	NOUN
fsr-3531	125	15	.	.	PUNCT
fsr-3531	126	1	this	this	PRON
fsr-3531	126	2	is	be	AUX
fsr-3531	126	3	also	also	ADV
fsr-3531	126	4	shown	show	VERB
fsr-3531	126	5	by	by	ADP
fsr-3531	126	6	the	the	DET
fsr-3531	126	7	distribution	distribution	NOUN
fsr-3531	126	8	of	of	ADP
fsr-3531	126	9	relative	relative	ADJ
fsr-3531	126	10	finiq	finiq	ADJ
fsr-3531	126	11	shown	show	VERB
fsr-3531	126	12	in	in	ADP
fsr-3531	126	13	fig	fig	NOUN
fsr-3531	126	14	.	.	PUNCT
fsr-3531	127	1	2	2	NUM
fsr-3531	127	2	,	,	PUNCT
fsr-3531	127	3	which	which	PRON
fsr-3531	127	4	displays	display	VERB
fsr-3531	127	5	kernel	kernel	PROPN
fsr-3531	127	6	density	density	PROPN
fsr-3531	127	7	estimates	estimate	NOUN
fsr-3531	127	8	of	of	ADP
fsr-3531	127	9	relative	relative	ADJ
fsr-3531	127	10	finiq	finiq	ADJ
fsr-3531	127	11	by	by	ADP
fsr-3531	127	12	indicated	indicate	VERB
fsr-3531	127	13	interest	interest	NOUN
fsr-3531	127	14	in	in	ADP
fsr-3531	127	15	financial	financial	ADJ
fsr-3531	127	16	education	education	NOUN
fsr-3531	127	17	.	.	PUNCT
fsr-3531	128	1	the	the	DET
fsr-3531	128	2	two	two	NUM
fsr-3531	128	3	distributions	distribution	NOUN
fsr-3531	128	4	are	be	AUX
fsr-3531	128	5	significantly	significantly	ADV
fsr-3531	128	6	different	different	ADJ
fsr-3531	128	7	(	(	PUNCT
fsr-3531	128	8	p	p	X
fsr-3531	128	9	<	<	X
fsr-3531	128	10	.01	.01	NUM
fsr-3531	128	11	)	)	PUNCT
fsr-3531	128	12	,	,	PUNCT
fsr-3531	128	13	with	with	ADP
fsr-3531	128	14	noninterested	noninterested	ADJ
fsr-3531	128	15	students	student	NOUN
fsr-3531	128	16	having	have	VERB
fsr-3531	128	17	a	a	DET
fsr-3531	128	18	greater	great	ADJ
fsr-3531	128	19	estimated	estimate	VERB
fsr-3531	128	20	density	density	NOUN
fsr-3531	128	21	in	in	ADP
fsr-3531	128	22	the	the	DET
fsr-3531	128	23	overconfidence	overconfidence	NOUN
fsr-3531	128	24	range	range	NOUN
fsr-3531	128	25	(	(	PUNCT
fsr-3531	128	26	values	value	NOUN
fsr-3531	128	27	below	below	ADP
fsr-3531	128	28	0.5	0.5	NUM
fsr-3531	128	29	)	)	PUNCT
fsr-3531	128	30	.	.	PUNCT
fsr-3531	129	1	this	this	DET
fsr-3531	129	2	result	result	NOUN
fsr-3531	129	3	is	be	AUX
fsr-3531	129	4	economically	economically	ADV
fsr-3531	129	5	meaningful	meaningful	ADJ
fsr-3531	129	6	as	as	ADP
fsr-3531	129	7	the	the	DET
fsr-3531	129	8	mean	mean	ADJ
fsr-3531	129	9	difference	difference	NOUN
fsr-3531	129	10	of	of	ADP
fsr-3531	129	11	0.07	0.07	NUM
fsr-3531	129	12	in	in	ADP
fsr-3531	129	13	the	the	DET
fsr-3531	129	14	relative	relative	ADJ
fsr-3531	129	15	measure	measure	NOUN
fsr-3531	129	16	between	between	ADP
fsr-3531	129	17	interested	interested	ADJ
fsr-3531	129	18	and	and	CCONJ
fsr-3531	129	19	non	non	ADJ
fsr-3531	129	20	-	-	ADJ
fsr-3531	129	21	interested	interested	ADJ
fsr-3531	129	22	students	student	NOUN
fsr-3531	129	23	equates	equate	VERB
fsr-3531	129	24	to	to	ADP
fsr-3531	129	25	1.68	1.68	NUM
fsr-3531	129	26	fewer	few	ADJ
fsr-3531	129	27	questions	question	NOUN
fsr-3531	129	28	answered	answer	VERB
fsr-3531	129	29	correctly	correctly	ADV
fsr-3531	129	30	(	(	PUNCT
fsr-3531	129	31	out	out	ADP
fsr-3531	129	32	of	of	ADP
fsr-3531	129	33	12	12	NUM
fsr-3531	129	34	)	)	PUNCT
fsr-3531	129	35	on	on	ADP
fsr-3531	129	36	our	our	PRON
fsr-3531	129	37	financial	financial	ADJ
fsr-3531	129	38	quiz	quiz	NOUN
fsr-3531	129	39	for	for	ADP
fsr-3531	129	40	the	the	DET
fsr-3531	129	41	relatively	relatively	ADV
fsr-3531	129	42	more	more	ADV
fsr-3531	129	43	overconfident	overconfident	ADJ
fsr-3531	129	44	student	student	NOUN
fsr-3531	129	45	given	give	VERB
fsr-3531	129	46	a	a	DET
fsr-3531	129	47	fixed	fix	VERB
fsr-3531	129	48	self	self	NOUN
fsr-3531	129	49	-	-	PUNCT
fsr-3531	129	50	assessed	assess	VERB
fsr-3531	129	51	score	score	NOUN
fsr-3531	129	52	.	.	PUNCT
fsr-3531	130	1	alternatively	alternatively	ADV
fsr-3531	130	2	,	,	PUNCT
fsr-3531	130	3	a	a	DET
fsr-3531	130	4	0.07	0.07	NUM
fsr-3531	130	5	difference	difference	NOUN
fsr-3531	130	6	results	result	NOUN
fsr-3531	130	7	in	in	ADP
fsr-3531	130	8	a	a	DET
fsr-3531	130	9	0.84	0.84	NUM
fsr-3531	130	10	greater	great	ADJ
fsr-3531	130	11	self	self	NOUN
fsr-3531	130	12	-	-	PUNCT
fsr-3531	130	13	assessed	assess	VERB
fsr-3531	130	14	score	score	NOUN
fsr-3531	130	15	,	,	PUNCT
fsr-3531	130	16	given	give	VERB
fsr-3531	130	17	a	a	DET
fsr-3531	130	18	fixed	fix	VERB
fsr-3531	130	19	quiz	quiz	NOUN
fsr-3531	130	20	score	score	NOUN
fsr-3531	130	21	,	,	PUNCT
fsr-3531	130	22	for	for	ADP
fsr-3531	130	23	the	the	DET
fsr-3531	130	24	relatively	relatively	ADV
fsr-3531	130	25	more	more	ADV
fsr-3531	130	26	overconfident	overconfident	ADJ
fsr-3531	130	27	student	student	NOUN
fsr-3531	130	28	.	.	PUNCT
fsr-3531	131	1	overconfident	overconfident	ADJ
fsr-3531	131	2	students	student	NOUN
fsr-3531	131	3	with	with	ADP
fsr-3531	131	4	low	low	ADJ
fsr-3531	131	5	measured	measure	VERB
fsr-3531	131	6	financial	financial	ADJ
fsr-3531	131	7	literacy	literacy	NOUN
fsr-3531	131	8	would	would	AUX
fsr-3531	131	9	arguably	arguably	ADV
fsr-3531	131	10	benefit	benefit	VERB
fsr-3531	131	11	the	the	DET
fsr-3531	131	12	most	most	ADJ
fsr-3531	131	13	from	from	ADP
fsr-3531	131	14	financial	financial	ADJ
fsr-3531	131	15	education	education	NOUN
fsr-3531	131	16	.	.	PUNCT
fsr-3531	132	1	unfortunately	unfortunately	ADV
fsr-3531	132	2	,	,	PUNCT
fsr-3531	132	3	table	table	NOUN
fsr-3531	132	4	6	6	NUM
fsr-3531	132	5	and	and	CCONJ
fsr-3531	132	6	fig	fig	NOUN
fsr-3531	132	7	.	.	PUNCT
fsr-3531	132	8	3	3	NUM
fsr-3531	132	9	indicates	indicate	VERB
fsr-3531	132	10	that	that	SCONJ
fsr-3531	132	11	these	these	DET
fsr-3531	132	12	students	student	NOUN
fsr-3531	132	13	were	be	AUX
fsr-3531	132	14	least	least	ADV
fsr-3531	132	15	interested	interested	ADJ
fsr-3531	132	16	in	in	ADP
fsr-3531	132	17	improving	improve	VERB
fsr-3531	132	18	their	their	PRON
fsr-3531	132	19	financial	financial	ADJ
fsr-3531	132	20	knowledge	knowledge	NOUN
fsr-3531	132	21	.	.	PUNCT
fsr-3531	133	1	in	in	ADP
fsr-3531	133	2	table	table	NOUN
fsr-3531	133	3	6	6	NUM
fsr-3531	133	4	,	,	PUNCT
fsr-3531	133	5	we	we	PRON
fsr-3531	133	6	examine	examine	VERB
fsr-3531	133	7	the	the	DET
fsr-3531	133	8	percentage	percentage	NOUN
fsr-3531	133	9	of	of	ADP
fsr-3531	133	10	students	student	NOUN
fsr-3531	133	11	interested	interested	ADJ
fsr-3531	133	12	in	in	ADP
fsr-3531	133	13	financial	financial	ADJ
fsr-3531	133	14	education	education	NOUN
fsr-3531	133	15	by	by	ADP
fsr-3531	133	16	their	their	PRON
fsr-3531	133	17	self	self	NOUN
fsr-3531	133	18	-	-	PUNCT
fsr-3531	133	19	assessed	assess	VERB
fsr-3531	133	20	financial	financial	ADJ
fsr-3531	133	21	iq	iq	NOUN
fsr-3531	133	22	rating	rating	NOUN
fsr-3531	133	23	and	and	CCONJ
fsr-3531	133	24	how	how	SCONJ
fsr-3531	133	25	well	well	ADV
fsr-3531	133	26	they	they	PRON
fsr-3531	133	27	did	do	VERB
fsr-3531	133	28	on	on	ADP
fsr-3531	133	29	the	the	DET
fsr-3531	133	30	financial	financial	ADJ
fsr-3531	133	31	literacy	literacy	NOUN
fsr-3531	133	32	quiz	quiz	NOUN
fsr-3531	133	33	,	,	PUNCT
fsr-3531	133	34	grouping	group	VERB
fsr-3531	133	35	the	the	DET
fsr-3531	133	36	latter	latter	ADJ
fsr-3531	133	37	into	into	ADP
fsr-3531	133	38	four	four	NUM
fsr-3531	133	39	categories	category	NOUN
fsr-3531	133	40	.	.	PUNCT
fsr-3531	134	1	the	the	DET
fsr-3531	134	2	data	datum	NOUN
fsr-3531	134	3	suggest	suggest	VERB
fsr-3531	134	4	there	there	PRON
fsr-3531	134	5	is	be	VERB
fsr-3531	134	6	a	a	DET
fsr-3531	134	7	strong	strong	ADJ
fsr-3531	134	8	negative	negative	ADJ
fsr-3531	134	9	correlation	correlation	NOUN
fsr-3531	134	10	between	between	ADP
fsr-3531	134	11	overconfidence	overconfidence	NOUN
fsr-3531	134	12	and	and	CCONJ
fsr-3531	134	13	interest	interest	NOUN
fsr-3531	134	14	in	in	ADP
fsr-3531	134	15	financial	financial	ADJ
fsr-3531	134	16	education.11	education.11	NOUN
fsr-3531	134	17	this	this	DET
fsr-3531	134	18	finding	finding	NOUN
fsr-3531	134	19	is	be	AUX
fsr-3531	134	20	highlighted	highlight	VERB
fsr-3531	134	21	by	by	ADP
fsr-3531	134	22	fig	fig	NOUN
fsr-3531	134	23	.	.	PUNCT
fsr-3531	135	1	3	3	NUM
fsr-3531	135	2	,	,	PUNCT
fsr-3531	135	3	which	which	PRON
fsr-3531	135	4	displays	display	VERB
fsr-3531	135	5	a	a	DET
fsr-3531	135	6	wireframe	wireframe	NOUN
fsr-3531	135	7	surface	surface	NOUN
fsr-3531	135	8	plot	plot	NOUN
fsr-3531	135	9	on	on	ADP
fsr-3531	135	10	the	the	DET
fsr-3531	135	11	data	data	NOUN
fsr-3531	135	12	points	point	NOUN
fsr-3531	135	13	shown	show	VERB
fsr-3531	135	14	in	in	ADP
fsr-3531	135	15	table	table	NOUN
fsr-3531	135	16	6	6	NUM
fsr-3531	135	17	.	.	PUNCT
fsr-3531	135	18	financial	financial	ADJ
fsr-3531	135	19	literacy	literacy	NOUN
fsr-3531	135	20	and	and	CCONJ
fsr-3531	135	21	selfassessed	selfassesse	VERB
fsr-3531	135	22	financial	financial	ADJ
fsr-3531	135	23	iq	iq	NOUN
fsr-3531	135	24	are	be	AUX
fsr-3531	135	25	shown	show	VERB
fsr-3531	135	26	on	on	ADP
fsr-3531	135	27	the	the	DET
fsr-3531	135	28	x	x	NOUN
fsr-3531	135	29	and	and	CCONJ
fsr-3531	135	30	y	y	PROPN
fsr-3531	135	31	axes	axis	NOUN
fsr-3531	135	32	,	,	PUNCT
fsr-3531	135	33	and	and	CCONJ
fsr-3531	135	34	the	the	DET
fsr-3531	135	35	percentage	percentage	NOUN
fsr-3531	135	36	of	of	ADP
fsr-3531	135	37	students	student	NOUN
fsr-3531	135	38	who	who	PRON
fsr-3531	135	39	indicated	indicate	VERB
fsr-3531	135	40	they	they	PRON
fsr-3531	135	41	are	be	AUX
fsr-3531	135	42	interested	interested	ADJ
fsr-3531	135	43	in	in	ADP
fsr-3531	135	44	financial	financial	ADJ
fsr-3531	135	45	education	education	NOUN
fsr-3531	135	46	is	be	AUX
fsr-3531	135	47	shown	show	VERB
fsr-3531	135	48	on	on	ADP
fsr-3531	135	49	the	the	DET
fsr-3531	135	50	z	z	PROPN
fsr-3531	135	51	(	(	PUNCT
fsr-3531	135	52	vertical	vertical	ADJ
fsr-3531	135	53	)	)	PUNCT
fsr-3531	135	54	axis	axis	NOUN
fsr-3531	135	55	.	.	PUNCT
fsr-3531	136	1	here	here	ADV
fsr-3531	136	2	the	the	DET
fsr-3531	136	3	relationship	relationship	NOUN
fsr-3531	136	4	is	be	AUX
fsr-3531	136	5	clear	clear	ADJ
fsr-3531	136	6	:	:	PUNCT
fsr-3531	136	7	students	student	NOUN
fsr-3531	136	8	who	who	PRON
fsr-3531	136	9	have	have	VERB
fsr-3531	136	10	high	high	ADJ
fsr-3531	136	11	financial	financial	ADJ
fsr-3531	136	12	literacy	literacy	NOUN
fsr-3531	136	13	but	but	CCONJ
fsr-3531	136	14	self	self	NOUN
fsr-3531	136	15	-	-	PUNCT
fsr-3531	136	16	assess	assess	VERB
fsr-3531	136	17	a	a	DET
fsr-3531	136	18	low	low	ADJ
fsr-3531	136	19	level	level	NOUN
fsr-3531	136	20	of	of	ADP
fsr-3531	136	21	financial	financial	ADJ
fsr-3531	136	22	iq	iq	NOUN
fsr-3531	136	23	are	be	AUX
fsr-3531	136	24	the	the	DET
fsr-3531	136	25	most	most	ADV
fsr-3531	136	26	interested	interested	ADJ
fsr-3531	136	27	in	in	ADP
fsr-3531	136	28	financial	financial	ADJ
fsr-3531	136	29	education	education	NOUN
fsr-3531	136	30	(	(	PUNCT
fsr-3531	136	31	often	often	ADV
fsr-3531	136	32	over	over	ADP
fsr-3531	136	33	70	70	NUM
fsr-3531	136	34	%	%	NOUN
fsr-3531	136	35	)	)	PUNCT
fsr-3531	136	36	.	.	PUNCT
fsr-3531	137	1	comparatively	comparatively	ADV
fsr-3531	137	2	,	,	PUNCT
fsr-3531	137	3	students	student	NOUN
fsr-3531	137	4	with	with	ADP
fsr-3531	137	5	low	low	ADJ
fsr-3531	137	6	financial	financial	ADJ
fsr-3531	137	7	literacy	literacy	NOUN
fsr-3531	137	8	but	but	CCONJ
fsr-3531	137	9	self	self	NOUN
fsr-3531	137	10	-	-	PUNCT
fsr-3531	137	11	assess	assess	VERB
fsr-3531	137	12	a	a	DET
fsr-3531	137	13	high	high	ADJ
fsr-3531	137	14	level	level	NOUN
fsr-3531	137	15	of	of	ADP
fsr-3531	137	16	financial	financial	ADJ
fsr-3531	137	17	iq	iq	NOUN
fsr-3531	137	18	are	be	AUX
fsr-3531	137	19	less	less	ADV
fsr-3531	137	20	interested	interested	ADJ
fsr-3531	137	21	(	(	PUNCT
fsr-3531	137	22	generally	generally	ADV
fsr-3531	137	23	less	less	ADJ
fsr-3531	137	24	than	than	ADP
fsr-3531	137	25	30	30	NUM
fsr-3531	137	26	%	%	NOUN
fsr-3531	137	27	of	of	ADP
fsr-3531	137	28	the	the	DET
fsr-3531	137	29	time	time	NOUN
fsr-3531	137	30	)	)	PUNCT
fsr-3531	137	31	.	.	PUNCT
fsr-3531	138	1	fig	fig	NOUN
fsr-3531	138	2	.	.	PUNCT
fsr-3531	139	1	2	2	X
fsr-3531	139	2	.	.	PUNCT
fsr-3531	139	3	kernel	kernel	PROPN
fsr-3531	139	4	density	density	PROPN
fsr-3531	139	5	estimates	estimate	NOUN
fsr-3531	139	6	of	of	ADP
fsr-3531	139	7	relative	relative	ADJ
fsr-3531	139	8	finiq	finiq	ADJ
fsr-3531	139	9	by	by	ADP
fsr-3531	139	10	indicated	indicate	VERB
fsr-3531	139	11	interest	interest	NOUN
fsr-3531	139	12	in	in	ADP
fsr-3531	139	13	financial	financial	ADJ
fsr-3531	139	14	education	education	NOUN
fsr-3531	139	15	.	.	PUNCT
fsr-3531	140	1	b.	b.	PROPN
fsr-3531	140	2	j.	j.	PROPN
fsr-3531	140	3	davis	davis	PROPN
fsr-3531	140	4	et	et	PROPN
fsr-3531	140	5	al	al	PROPN
fsr-3531	140	6	.	.	PUNCT
fsr-3531	140	7	/	/	SYM
fsr-3531	140	8	financial	financial	ADJ
fsr-3531	140	9	services	service	NOUN
fsr-3531	140	10	review	review	VERB
fsr-3531	140	11	31	31	NUM
fsr-3531	140	12	(	(	PUNCT
fsr-3531	140	13	2023	2023	NUM
fsr-3531	140	14	)	)	PUNCT
fsr-3531	140	15	133–150	133–150	NUM
fsr-3531	140	16	141	141	NUM
fsr-3531	140	17	to	to	PART
fsr-3531	140	18	understand	understand	VERB
fsr-3531	140	19	this	this	DET
fsr-3531	140	20	relationship	relationship	NOUN
fsr-3531	140	21	over	over	ADP
fsr-3531	140	22	all	all	DET
fsr-3531	140	23	possible	possible	ADJ
fsr-3531	140	24	values	value	NOUN
fsr-3531	140	25	,	,	PUNCT
fsr-3531	140	26	fig	fig	NOUN
fsr-3531	140	27	.	.	PUNCT
fsr-3531	141	1	4	4	NUM
fsr-3531	141	2	displays	display	NOUN
fsr-3531	141	3	predicted	predict	VERB
fsr-3531	141	4	probabilities	probability	NOUN
fsr-3531	141	5	of	of	ADP
fsr-3531	141	6	financial	financial	ADJ
fsr-3531	141	7	education	education	NOUN
fsr-3531	141	8	interest	interest	NOUN
fsr-3531	141	9	.	.	PUNCT
fsr-3531	142	1	the	the	DET
fsr-3531	142	2	predicted	predict	VERB
fsr-3531	142	3	probabilities	probability	NOUN
fsr-3531	142	4	are	be	AUX
fsr-3531	142	5	generated	generate	VERB
fsr-3531	142	6	using	use	VERB
fsr-3531	142	7	a	a	DET
fsr-3531	142	8	simple	simple	ADJ
fsr-3531	142	9	logit	logit	NOUN
fsr-3531	142	10	model	model	NOUN
fsr-3531	142	11	estimating	estimate	VERB
fsr-3531	142	12	the	the	DET
fsr-3531	142	13	likelihood	likelihood	NOUN
fsr-3531	142	14	that	that	SCONJ
fsr-3531	142	15	students	student	NOUN
fsr-3531	142	16	indicated	indicate	VERB
fsr-3531	142	17	interest	interest	NOUN
fsr-3531	142	18	in	in	ADP
fsr-3531	142	19	financial	financial	ADJ
fsr-3531	142	20	education	education	NOUN
fsr-3531	142	21	regressed	regress	VERB
fsr-3531	142	22	on	on	ADP
fsr-3531	142	23	a	a	DET
fsr-3531	142	24	student	student	NOUN
fsr-3531	142	25	’s	’s	PART
fsr-3531	142	26	finiq	finiq	ADJ
fsr-3531	142	27	and	and	CCONJ
fsr-3531	142	28	financial	financial	ADJ
fsr-3531	142	29	literacy	literacy	NOUN
fsr-3531	142	30	quiz	quiz	NOUN
fsr-3531	142	31	score	score	NOUN
fsr-3531	142	32	,	,	PUNCT
fsr-3531	142	33	treating	treat	VERB
fsr-3531	142	34	the	the	DET
fsr-3531	142	35	two	two	NUM
fsr-3531	142	36	exogenous	exogenous	ADJ
fsr-3531	142	37	variables	variable	NOUN
fsr-3531	142	38	as	as	ADP
fsr-3531	142	39	categorical	categorical	ADJ
fsr-3531	142	40	variables.12	variables.12	NOUN
fsr-3531	142	41	the	the	DET
fsr-3531	142	42	full	full	ADJ
fsr-3531	142	43	profile	profile	NOUN
fsr-3531	142	44	of	of	ADP
fsr-3531	142	45	predicted	predict	VERB
fsr-3531	142	46	probabilities	probability	NOUN
fsr-3531	142	47	is	be	AUX
fsr-3531	142	48	shown	show	VERB
fsr-3531	142	49	in	in	ADP
fsr-3531	142	50	appendix	appendix	ADJ
fsr-3531	142	51	table	table	NOUN
fsr-3531	142	52	a.1	a.1	PROPN
fsr-3531	142	53	.	.	PUNCT
fsr-3531	143	1	fig	fig	NOUN
fsr-3531	143	2	.	.	PUNCT
fsr-3531	144	1	4	4	NUM
fsr-3531	144	2	replicates	replicate	NOUN
fsr-3531	144	3	and	and	CCONJ
fsr-3531	144	4	smooths	smooth	VERB
fsr-3531	144	5	the	the	DET
fsr-3531	144	6	relationship	relationship	NOUN
fsr-3531	144	7	shown	show	VERB
fsr-3531	144	8	in	in	ADP
fsr-3531	144	9	fig	fig	NOUN
fsr-3531	144	10	.	.	PUNCT
fsr-3531	145	1	3	3	X
fsr-3531	145	2	.	.	X
fsr-3531	145	3	generally	generally	ADV
fsr-3531	145	4	,	,	PUNCT
fsr-3531	145	5	the	the	DET
fsr-3531	145	6	predicted	predict	VERB
fsr-3531	145	7	probability	probability	NOUN
fsr-3531	145	8	that	that	SCONJ
fsr-3531	145	9	a	a	DET
fsr-3531	145	10	student	student	NOUN
fsr-3531	145	11	signals	signal	VERB
fsr-3531	145	12	interest	interest	NOUN
fsr-3531	145	13	increases	increase	VERB
fsr-3531	145	14	significantly	significantly	ADV
fsr-3531	145	15	in	in	ADP
fsr-3531	145	16	one	one	NUM
fsr-3531	145	17	’s	’s	PART
fsr-3531	145	18	measured	measure	VERB
fsr-3531	145	19	financial	financial	ADJ
fsr-3531	145	20	literacy	literacy	NOUN
fsr-3531	145	21	but	but	CCONJ
fsr-3531	145	22	significantly	significantly	ADV
fsr-3531	145	23	decreases	decrease	VERB
fsr-3531	145	24	as	as	ADP
fsr-3531	145	25	a	a	DET
fsr-3531	145	26	student	student	NOUN
fsr-3531	145	27	’s	’s	PART
fsr-3531	145	28	selfassessment	selfassessment	NOUN
fsr-3531	145	29	increases	increase	VERB
fsr-3531	145	30	.	.	PUNCT
fsr-3531	146	1	students	student	NOUN
fsr-3531	146	2	with	with	ADP
fsr-3531	146	3	a	a	DET
fsr-3531	146	4	combination	combination	NOUN
fsr-3531	146	5	of	of	ADP
fsr-3531	146	6	high	high	ADJ
fsr-3531	146	7	self	self	NOUN
fsr-3531	146	8	-	-	PUNCT
fsr-3531	146	9	assessed	assess	VERB
fsr-3531	146	10	financial	financial	ADJ
fsr-3531	146	11	iq	iq	NOUN
fsr-3531	146	12	and	and	CCONJ
fsr-3531	146	13	low	low	ADJ
fsr-3531	146	14	actual	actual	ADJ
fsr-3531	146	15	financial	financial	ADJ
fsr-3531	146	16	literacy	literacy	NOUN
fsr-3531	146	17	are	be	AUX
fsr-3531	146	18	predicted	predict	VERB
fsr-3531	146	19	to	to	PART
fsr-3531	146	20	be	be	AUX
fsr-3531	146	21	the	the	DET
fsr-3531	146	22	least	least	ADV
fsr-3531	146	23	likely	likely	ADJ
fsr-3531	146	24	to	to	PART
fsr-3531	146	25	signal	signal	VERB
fsr-3531	146	26	interest	interest	NOUN
fsr-3531	146	27	in	in	ADP
fsr-3531	146	28	financial	financial	ADJ
fsr-3531	146	29	education	education	NOUN
fsr-3531	146	30	.	.	PUNCT
fsr-3531	147	1	for	for	ADP
fsr-3531	147	2	example	example	NOUN
fsr-3531	147	3	,	,	PUNCT
fsr-3531	147	4	a	a	DET
fsr-3531	147	5	student	student	NOUN
fsr-3531	147	6	answering	answer	VERB
fsr-3531	147	7	all	all	DET
fsr-3531	147	8	questions	question	NOUN
fsr-3531	147	9	correctly	correctly	ADV
fsr-3531	147	10	but	but	CCONJ
fsr-3531	147	11	self	self	NOUN
fsr-3531	147	12	-	-	PUNCT
fsr-3531	147	13	assesses	assess	VERB
fsr-3531	147	14	the	the	DET
fsr-3531	147	15	lowest	low	ADJ
fsr-3531	147	16	level	level	NOUN
fsr-3531	147	17	of	of	ADP
fsr-3531	147	18	financial	financial	ADJ
fsr-3531	147	19	knowledge	knowledge	NOUN
fsr-3531	147	20	is	be	AUX
fsr-3531	147	21	predicted	predict	VERB
fsr-3531	147	22	to	to	PART
fsr-3531	147	23	signal	signal	VERB
fsr-3531	147	24	interest	interest	NOUN
fsr-3531	147	25	with	with	ADP
fsr-3531	147	26	a	a	DET
fsr-3531	147	27	probability	probability	NOUN
fsr-3531	147	28	above	above	ADP
fsr-3531	147	29	60	60	NUM
fsr-3531	147	30	%	%	NOUN
fsr-3531	147	31	,	,	PUNCT
fsr-3531	147	32	which	which	PRON
fsr-3531	147	33	decreases	decrease	VERB
fsr-3531	147	34	to	to	ADP
fsr-3531	147	35	45	45	NUM
fsr-3531	147	36	%	%	NOUN
fsr-3531	147	37	for	for	ADP
fsr-3531	147	38	a	a	DET
fsr-3531	147	39	student	student	NOUN
fsr-3531	147	40	self	self	NOUN
fsr-3531	147	41	-	-	PUNCT
fsr-3531	147	42	assessing	assess	VERB
fsr-3531	147	43	the	the	DET
fsr-3531	147	44	highest	high	ADJ
fsr-3531	147	45	level	level	NOUN
fsr-3531	147	46	of	of	ADP
fsr-3531	147	47	financial	financial	ADJ
fsr-3531	147	48	knowledge	knowledge	NOUN
fsr-3531	147	49	.	.	PUNCT
fsr-3531	148	1	by	by	ADP
fsr-3531	148	2	contrast	contrast	NOUN
fsr-3531	148	3	,	,	PUNCT
fsr-3531	148	4	a	a	DET
fsr-3531	148	5	student	student	NOUN
fsr-3531	148	6	answering	answer	VERB
fsr-3531	148	7	no	no	DET
fsr-3531	148	8	questions	question	NOUN
fsr-3531	148	9	correctly	correctly	ADV
fsr-3531	148	10	on	on	ADP
fsr-3531	148	11	the	the	DET
fsr-3531	148	12	financial	financial	ADJ
fsr-3531	148	13	literacy	literacy	NOUN
fsr-3531	148	14	table	table	NOUN
fsr-3531	148	15	6	6	NUM
fsr-3531	148	16	financial	financial	ADJ
fsr-3531	148	17	education	education	NOUN
fsr-3531	148	18	interest	interest	NOUN
fsr-3531	148	19	by	by	ADP
fsr-3531	148	20	measured	measure	VERB
fsr-3531	148	21	and	and	CCONJ
fsr-3531	148	22	self	self	NOUN
fsr-3531	148	23	-	-	PUNCT
fsr-3531	148	24	assessed	assess	VERB
fsr-3531	148	25	financial	financial	ADJ
fsr-3531	148	26	literacy	literacy	NOUN
fsr-3531	148	27	percent	percent	NOUN
fsr-3531	148	28	interested	interested	ADJ
fsr-3531	148	29	in	in	ADP
fsr-3531	148	30	financial	financial	ADJ
fsr-3531	148	31	education	education	NOUN
fsr-3531	148	32	self	self	NOUN
fsr-3531	148	33	-	-	PUNCT
fsr-3531	148	34	assessed	assess	VERB
fsr-3531	148	35	percent	percent	NOUN
fsr-3531	148	36	of	of	ADP
fsr-3531	148	37	financial	financial	ADJ
fsr-3531	148	38	quiz	quiz	NOUN
fsr-3531	148	39	questions	question	NOUN
fsr-3531	148	40	correct	correct	ADJ
fsr-3531	148	41	financial	financial	ADJ
fsr-3531	148	42	iq	iq	NOUN
fsr-3531	148	43	0–25	0–25	PROPN
fsr-3531	148	44	%	%	NOUN
fsr-3531	148	45	26–50	26–50	NUM
fsr-3531	148	46	%	%	NOUN
fsr-3531	148	47	51–75	51–75	NUM
fsr-3531	148	48	%	%	NOUN
fsr-3531	148	49	76–100	76–100	NUM
fsr-3531	148	50	%	%	NOUN
fsr-3531	149	1	mean	mean	NOUN
fsr-3531	149	2	n	n	NUM
fsr-3531	149	3	1	1	NUM
fsr-3531	149	4	(	(	PUNCT
fsr-3531	149	5	very	very	ADV
fsr-3531	149	6	low	low	ADJ
fsr-3531	149	7	)	)	PUNCT
fsr-3531	149	8	50	50	NUM
fsr-3531	149	9	%	%	NOUN
fsr-3531	149	10	80	80	NUM
fsr-3531	149	11	%	%	NOUN
fsr-3531	149	12	50	50	NUM
fsr-3531	149	13	%	%	NOUN
fsr-3531	149	14	0	0	NUM
fsr-3531	149	15	%	%	NOUN
fsr-3531	149	16	55	55	NUM
fsr-3531	149	17	%	%	NOUN
fsr-3531	149	18	20	20	NUM
fsr-3531	149	19	2	2	NUM
fsr-3531	149	20	29	29	NUM
fsr-3531	149	21	%	%	NOUN
fsr-3531	149	22	65	65	NUM
fsr-3531	149	23	%	%	NOUN
fsr-3531	149	24	72	72	NUM
fsr-3531	149	25	%	%	NOUN
fsr-3531	149	26	82	82	NUM
fsr-3531	149	27	%	%	NOUN
fsr-3531	149	28	63	63	NUM
fsr-3531	149	29	%	%	NOUN
fsr-3531	149	30	80	80	NUM
fsr-3531	149	31	3	3	NUM
fsr-3531	149	32	26	26	NUM
fsr-3531	149	33	%	%	NOUN
fsr-3531	149	34	61	61	NUM
fsr-3531	149	35	%	%	NOUN
fsr-3531	149	36	68	68	NUM
fsr-3531	149	37	%	%	NOUN
fsr-3531	149	38	70	70	NUM
fsr-3531	149	39	%	%	NOUN
fsr-3531	149	40	62	62	NUM
fsr-3531	149	41	%	%	NOUN
fsr-3531	149	42	236	236	NUM
fsr-3531	149	43	4	4	NUM
fsr-3531	149	44	20	20	NUM
fsr-3531	149	45	%	%	NOUN
fsr-3531	149	46	49	49	NUM
fsr-3531	149	47	%	%	NOUN
fsr-3531	149	48	61	61	NUM
fsr-3531	149	49	%	%	NOUN
fsr-3531	149	50	58	58	NUM
fsr-3531	149	51	%	%	NOUN
fsr-3531	149	52	56	56	NUM
fsr-3531	149	53	%	%	NOUN
fsr-3531	149	54	646	646	NUM
fsr-3531	149	55	5	5	NUM
fsr-3531	149	56	22	22	NUM
fsr-3531	149	57	%	%	NOUN
fsr-3531	149	58	30	30	NUM
fsr-3531	149	59	%	%	NOUN
fsr-3531	149	60	64	64	NUM
fsr-3531	149	61	%	%	NOUN
fsr-3531	149	62	59	59	NUM
fsr-3531	149	63	%	%	NOUN
fsr-3531	149	64	57	57	NUM
fsr-3531	149	65	%	%	NOUN
fsr-3531	149	66	481	481	NUM
fsr-3531	149	67	6	6	NUM
fsr-3531	149	68	6	6	NUM
fsr-3531	149	69	%	%	NOUN
fsr-3531	149	70	30	30	NUM
fsr-3531	149	71	%	%	NOUN
fsr-3531	149	72	57	57	NUM
fsr-3531	149	73	%	%	NOUN
fsr-3531	149	74	55	55	NUM
fsr-3531	149	75	%	%	NOUN
fsr-3531	149	76	51	51	NUM
fsr-3531	149	77	%	%	NOUN
fsr-3531	149	78	484	484	NUM
fsr-3531	149	79	7	7	NUM
fsr-3531	149	80	(	(	PUNCT
fsr-3531	149	81	very	very	ADV
fsr-3531	149	82	high	high	ADJ
fsr-3531	149	83	)	)	PUNCT
fsr-3531	149	84	22	22	NUM
fsr-3531	149	85	%	%	NOUN
fsr-3531	149	86	0	0	NUM
fsr-3531	149	87	%	%	NOUN
fsr-3531	149	88	50	50	NUM
fsr-3531	149	89	%	%	NOUN
fsr-3531	149	90	45	45	NUM
fsr-3531	149	91	%	%	NOUN
fsr-3531	149	92	42	42	NUM
fsr-3531	149	93	%	%	NOUN
fsr-3531	150	1	153	153	NUM
fsr-3531	150	2	mean	mean	NOUN
fsr-3531	150	3	20	20	NUM
fsr-3531	150	4	%	%	NOUN
fsr-3531	150	5	55	55	NUM
fsr-3531	150	6	%	%	NOUN
fsr-3531	150	7	62	62	NUM
fsr-3531	150	8	%	%	NOUN
fsr-3531	150	9	39	39	NUM
fsr-3531	150	10	%	%	NOUN
fsr-3531	150	11	48	48	NUM
fsr-3531	150	12	%	%	NOUN
fsr-3531	150	13	n	n	CCONJ
fsr-3531	150	14	221	221	NUM
fsr-3531	150	15	257	257	NUM
fsr-3531	150	16	974	974	NUM
fsr-3531	150	17	1,035	1,035	NUM
fsr-3531	150	18	2,100	2,100	NUM
fsr-3531	150	19	fig	fig	NOUN
fsr-3531	150	20	.	.	PUNCT
fsr-3531	151	1	3	3	X
fsr-3531	151	2	.	.	X
fsr-3531	151	3	surface	surface	NOUN
fsr-3531	151	4	plot	plot	NOUN
fsr-3531	151	5	of	of	ADP
fsr-3531	151	6	financial	financial	ADJ
fsr-3531	151	7	education	education	NOUN
fsr-3531	151	8	interest	interest	NOUN
fsr-3531	151	9	by	by	ADP
fsr-3531	151	10	measured	measure	VERB
fsr-3531	151	11	and	and	CCONJ
fsr-3531	151	12	self	self	NOUN
fsr-3531	151	13	-	-	PUNCT
fsr-3531	151	14	assessed	assess	VERB
fsr-3531	151	15	financial	financial	ADJ
fsr-3531	151	16	literacy	literacy	NOUN
fsr-3531	151	17	.	.	PUNCT
fsr-3531	152	1	142	142	NUM
fsr-3531	152	2	b.	b.	PROPN
fsr-3531	152	3	j.	j.	PROPN
fsr-3531	152	4	davis	davis	PROPN
fsr-3531	152	5	et	et	PROPN
fsr-3531	152	6	al	al	PROPN
fsr-3531	152	7	.	.	PUNCT
fsr-3531	152	8	/	/	SYM
fsr-3531	152	9	financial	financial	ADJ
fsr-3531	152	10	services	service	NOUN
fsr-3531	152	11	review	review	VERB
fsr-3531	152	12	31	31	NUM
fsr-3531	152	13	(	(	PUNCT
fsr-3531	152	14	2023	2023	NUM
fsr-3531	152	15	)	)	PUNCT
fsr-3531	152	16	133–150	133–150	NUM
fsr-3531	152	17	quiz	quiz	NOUN
fsr-3531	152	18	but	but	CCONJ
fsr-3531	152	19	is	be	AUX
fsr-3531	152	20	most	most	ADV
fsr-3531	152	21	confident	confident	ADJ
fsr-3531	152	22	in	in	ADP
fsr-3531	152	23	their	their	PRON
fsr-3531	152	24	financial	financial	ADJ
fsr-3531	152	25	knowledge	knowledge	NOUN
fsr-3531	152	26	,	,	PUNCT
fsr-3531	152	27	is	be	AUX
fsr-3531	152	28	predicted	predict	VERB
fsr-3531	152	29	to	to	PART
fsr-3531	152	30	signal	signal	VERB
fsr-3531	152	31	interest	interest	NOUN
fsr-3531	152	32	with	with	ADP
fsr-3531	152	33	a	a	DET
fsr-3531	152	34	likelihood	likelihood	NOUN
fsr-3531	152	35	of	of	ADP
fsr-3531	152	36	under	under	ADP
fsr-3531	152	37	6	6	NUM
fsr-3531	152	38	%	%	NOUN
fsr-3531	152	39	,	,	PUNCT
fsr-3531	152	40	increasing	increase	VERB
fsr-3531	152	41	to	to	ADP
fsr-3531	152	42	only	only	ADV
fsr-3531	152	43	11	11	NUM
fsr-3531	152	44	%	%	NOUN
fsr-3531	152	45	for	for	ADP
fsr-3531	152	46	a	a	DET
fsr-3531	152	47	student	student	NOUN
fsr-3531	152	48	self	self	NOUN
fsr-3531	152	49	-	-	PUNCT
fsr-3531	152	50	assessing	assess	VERB
fsr-3531	152	51	the	the	DET
fsr-3531	152	52	lowest	low	ADJ
fsr-3531	152	53	level	level	NOUN
fsr-3531	152	54	of	of	ADP
fsr-3531	152	55	financial	financial	ADJ
fsr-3531	152	56	knowledge	knowledge	NOUN
fsr-3531	152	57	.	.	PUNCT
fsr-3531	153	1	program	program	NOUN
fsr-3531	153	2	sponsors	sponsor	NOUN
fsr-3531	153	3	need	need	VERB
fsr-3531	153	4	to	to	PART
fsr-3531	153	5	be	be	AUX
fsr-3531	153	6	innovative	innovative	ADJ
fsr-3531	153	7	when	when	SCONJ
fsr-3531	153	8	thinking	think	VERB
fsr-3531	153	9	about	about	ADP
fsr-3531	153	10	how	how	SCONJ
fsr-3531	153	11	to	to	PART
fsr-3531	153	12	engage	engage	VERB
fsr-3531	153	13	the	the	DET
fsr-3531	153	14	population	population	NOUN
fsr-3531	153	15	of	of	ADP
fsr-3531	153	16	students	student	NOUN
fsr-3531	153	17	who	who	PRON
fsr-3531	153	18	would	would	AUX
fsr-3531	153	19	most	most	ADV
fsr-3531	153	20	benefit	benefit	VERB
fsr-3531	153	21	from	from	ADP
fsr-3531	153	22	financial	financial	ADJ
fsr-3531	153	23	education	education	NOUN
fsr-3531	153	24	.	.	PUNCT
fsr-3531	154	1	3.3	3.3	NUM
fsr-3531	154	2	.	.	PUNCT
fsr-3531	155	1	regression	regression	VERB
fsr-3531	155	2	analysis	analysis	NOUN
fsr-3531	155	3	of	of	ADP
fsr-3531	155	4	financial	financial	ADJ
fsr-3531	155	5	education	education	NOUN
fsr-3531	155	6	interest	interest	NOUN
fsr-3531	155	7	and	and	CCONJ
fsr-3531	155	8	engagement	engagement	NOUN
fsr-3531	155	9	we	we	PRON
fsr-3531	155	10	begin	begin	VERB
fsr-3531	155	11	our	our	PRON
fsr-3531	155	12	regression	regression	NOUN
fsr-3531	155	13	analysis	analysis	NOUN
fsr-3531	155	14	with	with	ADP
fsr-3531	155	15	first	first	ADV
fsr-3531	155	16	considering	consider	VERB
fsr-3531	155	17	who	who	PRON
fsr-3531	155	18	takes	take	VERB
fsr-3531	155	19	the	the	DET
fsr-3531	155	20	survey	survey	NOUN
fsr-3531	155	21	.	.	PUNCT
fsr-3531	156	1	table	table	NOUN
fsr-3531	156	2	7	7	NUM
fsr-3531	156	3	uses	use	VERB
fsr-3531	156	4	ordinary	ordinary	ADJ
fsr-3531	156	5	probit	probit	NOUN
fsr-3531	156	6	regression	regression	NOUN
fsr-3531	156	7	estimating	estimate	VERB
fsr-3531	156	8	whether	whether	SCONJ
fsr-3531	156	9	a	a	DET
fsr-3531	156	10	student	student	NOUN
fsr-3531	156	11	engages	engage	VERB
fsr-3531	156	12	in	in	ADP
fsr-3531	156	13	the	the	DET
fsr-3531	156	14	survey	survey	NOUN
fsr-3531	156	15	or	or	CCONJ
fsr-3531	156	16	not	not	PART
fsr-3531	156	17	using	use	VERB
fsr-3531	156	18	student	student	NOUN
fsr-3531	156	19	and	and	CCONJ
fsr-3531	156	20	program	program	NOUN
fsr-3531	156	21	characteristics	characteristic	NOUN
fsr-3531	156	22	,	,	PUNCT
fsr-3531	156	23	displaying	display	VERB
fsr-3531	156	24	marginal	marginal	ADJ
fsr-3531	156	25	effects	effect	NOUN
fsr-3531	156	26	on	on	ADP
fsr-3531	156	27	the	the	DET
fsr-3531	156	28	coefficients	coefficient	NOUN
fsr-3531	156	29	and	and	CCONJ
fsr-3531	156	30	standard	standard	ADJ
fsr-3531	156	31	errors	error	NOUN
fsr-3531	156	32	in	in	ADP
fsr-3531	156	33	parenthesis	parenthesis	NOUN
fsr-3531	156	34	.	.	PUNCT
fsr-3531	157	1	because	because	SCONJ
fsr-3531	157	2	those	those	PRON
fsr-3531	157	3	who	who	PRON
fsr-3531	157	4	do	do	AUX
fsr-3531	157	5	not	not	PART
fsr-3531	157	6	take	take	VERB
fsr-3531	157	7	the	the	DET
fsr-3531	157	8	survey	survey	NOUN
fsr-3531	157	9	do	do	AUX
fsr-3531	157	10	not	not	PART
fsr-3531	157	11	offer	offer	VERB
fsr-3531	157	12	us	we	PRON
fsr-3531	157	13	data	datum	NOUN
fsr-3531	157	14	on	on	ADP
fsr-3531	157	15	their	their	PRON
fsr-3531	157	16	financial	financial	ADJ
fsr-3531	157	17	literacy	literacy	NOUN
fsr-3531	157	18	,	,	PUNCT
fsr-3531	157	19	we	we	PRON
fsr-3531	157	20	only	only	ADV
fsr-3531	157	21	leverage	leverage	VERB
fsr-3531	157	22	the	the	DET
fsr-3531	157	23	university	university	NOUN
fsr-3531	157	24	system	system	NOUN
fsr-3531	157	25	’s	’s	PART
fsr-3531	157	26	administrative	administrative	ADJ
fsr-3531	157	27	data	datum	NOUN
fsr-3531	157	28	.	.	PUNCT
fsr-3531	158	1	women	woman	NOUN
fsr-3531	158	2	and	and	CCONJ
fsr-3531	158	3	student	student	NOUN
fsr-3531	158	4	workers	worker	NOUN
fsr-3531	158	5	are	be	AUX
fsr-3531	158	6	significantly	significantly	ADV
fsr-3531	158	7	more	more	ADV
fsr-3531	158	8	likely	likely	ADJ
fsr-3531	158	9	to	to	PART
fsr-3531	158	10	engage	engage	VERB
fsr-3531	158	11	the	the	DET
fsr-3531	158	12	survey	survey	NOUN
fsr-3531	158	13	.	.	PUNCT
fsr-3531	159	1	while	while	SCONJ
fsr-3531	159	2	there	there	PRON
fsr-3531	159	3	is	be	VERB
fsr-3531	159	4	no	no	DET
fsr-3531	159	5	significant	significant	ADJ
fsr-3531	159	6	relationship	relationship	NOUN
fsr-3531	159	7	for	for	ADP
fsr-3531	159	8	graduate	graduate	ADJ
fsr-3531	159	9	students	student	NOUN
fsr-3531	159	10	at	at	ADP
fsr-3531	159	11	the	the	DET
fsr-3531	159	12	flagship	flagship	NOUN
fsr-3531	159	13	campus	campus	NOUN
fsr-3531	159	14	,	,	PUNCT
fsr-3531	159	15	student	student	NOUN
fsr-3531	159	16	workers	worker	NOUN
fsr-3531	159	17	at	at	ADP
fsr-3531	159	18	the	the	DET
fsr-3531	159	19	flagship	flagship	NOUN
fsr-3531	159	20	campus	campus	NOUN
fsr-3531	159	21	are	be	AUX
fsr-3531	159	22	significantly	significantly	ADV
fsr-3531	159	23	less	less	ADV
fsr-3531	159	24	likely	likely	ADJ
fsr-3531	159	25	to	to	PART
fsr-3531	159	26	engage	engage	VERB
fsr-3531	159	27	the	the	DET
fsr-3531	159	28	survey	survey	NOUN
fsr-3531	159	29	,	,	PUNCT
fsr-3531	159	30	indicated	indicate	VERB
fsr-3531	159	31	by	by	ADP
fsr-3531	159	32	the	the	DET
fsr-3531	159	33	interaction	interaction	NOUN
fsr-3531	159	34	term	term	NOUN
fsr-3531	159	35	in	in	ADP
fsr-3531	159	36	model	model	NOUN
fsr-3531	159	37	2	2	NUM
fsr-3531	159	38	.	.	PUNCT
fsr-3531	160	1	these	these	DET
fsr-3531	160	2	students	student	NOUN
fsr-3531	160	3	may	may	AUX
fsr-3531	160	4	be	be	AUX
fsr-3531	160	5	more	more	ADJ
fsr-3531	160	6	time	time	NOUN
fsr-3531	160	7	constrained	constrain	VERB
fsr-3531	160	8	with	with	ADP
fsr-3531	160	9	their	their	PRON
fsr-3531	160	10	studies	study	NOUN
fsr-3531	160	11	and	and	CCONJ
fsr-3531	160	12	work	work	NOUN
fsr-3531	160	13	duties	duty	NOUN
fsr-3531	160	14	than	than	ADP
fsr-3531	160	15	their	their	PRON
fsr-3531	160	16	counterparts	counterpart	NOUN
fsr-3531	160	17	.	.	PUNCT
fsr-3531	161	1	we	we	PRON
fsr-3531	161	2	find	find	VERB
fsr-3531	161	3	no	no	DET
fsr-3531	161	4	significant	significant	ADJ
fsr-3531	161	5	effect	effect	NOUN
fsr-3531	161	6	for	for	ADP
fsr-3531	161	7	international	international	ADJ
fsr-3531	161	8	students	student	NOUN
fsr-3531	161	9	.	.	PUNCT
fsr-3531	162	1	students	student	NOUN
fsr-3531	162	2	who	who	PRON
fsr-3531	162	3	have	have	AUX
fsr-3531	162	4	taken	take	VERB
fsr-3531	162	5	more	more	ADJ
fsr-3531	162	6	graduate	graduate	NOUN
fsr-3531	162	7	credits	credit	NOUN
fsr-3531	162	8	are	be	AUX
fsr-3531	162	9	significantly	significantly	ADV
fsr-3531	162	10	less	less	ADV
fsr-3531	162	11	likely	likely	ADJ
fsr-3531	162	12	to	to	PART
fsr-3531	162	13	take	take	VERB
fsr-3531	162	14	the	the	DET
fsr-3531	162	15	survey	survey	NOUN
fsr-3531	162	16	,	,	PUNCT
fsr-3531	162	17	but	but	CCONJ
fsr-3531	162	18	the	the	DET
fsr-3531	162	19	marginal	marginal	ADJ
fsr-3531	162	20	effect	effect	NOUN
fsr-3531	162	21	is	be	AUX
fsr-3531	162	22	small	small	ADJ
fsr-3531	162	23	and	and	CCONJ
fsr-3531	162	24	has	have	VERB
fsr-3531	162	25	significant	significant	ADJ
fsr-3531	162	26	attenuation	attenuation	NOUN
fsr-3531	162	27	.	.	PUNCT
fsr-3531	163	1	there	there	PRON
fsr-3531	163	2	were	be	VERB
fsr-3531	163	3	no	no	DET
fsr-3531	163	4	significant	significant	ADJ
fsr-3531	163	5	differences	difference	NOUN
fsr-3531	163	6	in	in	ADP
fsr-3531	163	7	a	a	DET
fsr-3531	163	8	student	student	NOUN
fsr-3531	163	9	’s	’s	PART
fsr-3531	163	10	major	major	ADJ
fsr-3531	163	11	subject	subject	ADJ
fsr-3531	163	12	area	area	NOUN
fsr-3531	163	13	.	.	PUNCT
fsr-3531	164	1	when	when	SCONJ
fsr-3531	164	2	examining	examine	VERB
fsr-3531	164	3	degree	degree	NOUN
fsr-3531	164	4	type	type	NOUN
fsr-3531	164	5	,	,	PUNCT
fsr-3531	164	6	law	law	NOUN
fsr-3531	164	7	students	student	NOUN
fsr-3531	164	8	were	be	AUX
fsr-3531	164	9	significantly	significantly	ADV
fsr-3531	164	10	less	less	ADV
fsr-3531	164	11	likely	likely	ADJ
fsr-3531	164	12	and	and	CCONJ
fsr-3531	164	13	doctorate	doctorate	NOUN
fsr-3531	164	14	students	student	NOUN
fsr-3531	164	15	only	only	ADV
fsr-3531	164	16	marginally	marginally	ADV
fsr-3531	164	17	less	less	ADV
fsr-3531	164	18	likely	likely	ADJ
fsr-3531	164	19	to	to	PART
fsr-3531	164	20	engage	engage	VERB
fsr-3531	164	21	in	in	ADP
fsr-3531	164	22	the	the	DET
fsr-3531	164	23	survey	survey	NOUN
fsr-3531	164	24	,	,	PUNCT
fsr-3531	164	25	highlighting	highlight	VERB
fsr-3531	164	26	the	the	DET
fsr-3531	164	27	possibility	possibility	NOUN
fsr-3531	164	28	of	of	ADP
fsr-3531	164	29	time	time	NOUN
fsr-3531	164	30	constraints	constraint	NOUN
fsr-3531	164	31	for	for	ADP
fsr-3531	164	32	students	student	NOUN
fsr-3531	164	33	in	in	ADP
fsr-3531	164	34	terminal	terminal	ADJ
fsr-3531	164	35	degree	degree	NOUN
fsr-3531	164	36	programs	program	NOUN
fsr-3531	164	37	.	.	PUNCT
fsr-3531	165	1	table	table	NOUN
fsr-3531	165	2	8	8	NUM
fsr-3531	165	3	estimates	estimate	VERB
fsr-3531	165	4	the	the	DET
fsr-3531	165	5	likelihood	likelihood	NOUN
fsr-3531	165	6	that	that	SCONJ
fsr-3531	165	7	a	a	DET
fsr-3531	165	8	student	student	NOUN
fsr-3531	165	9	indicates	indicate	VERB
fsr-3531	165	10	interest	interest	NOUN
fsr-3531	165	11	in	in	ADP
fsr-3531	165	12	financial	financial	ADJ
fsr-3531	165	13	education	education	NOUN
fsr-3531	165	14	using	use	VERB
fsr-3531	165	15	ordinary	ordinary	ADJ
fsr-3531	165	16	probit	probit	NOUN
fsr-3531	165	17	specifications	specification	NOUN
fsr-3531	165	18	showing	show	VERB
fsr-3531	165	19	marginal	marginal	ADJ
fsr-3531	165	20	effects	effect	NOUN
fsr-3531	165	21	and	and	CCONJ
fsr-3531	165	22	standard	standard	ADJ
fsr-3531	165	23	errors	error	NOUN
fsr-3531	165	24	in	in	ADP
fsr-3531	165	25	parenthesis	parenthesis	NOUN
fsr-3531	165	26	.	.	PUNCT
fsr-3531	166	1	we	we	PRON
fsr-3531	166	2	display	display	VERB
fsr-3531	166	3	five	five	NUM
fsr-3531	166	4	specifications	specification	NOUN
fsr-3531	166	5	:	:	PUNCT
fsr-3531	166	6	model	model	NOUN
fsr-3531	166	7	1	1	NUM
fsr-3531	166	8	uses	use	VERB
fsr-3531	166	9	administrative	administrative	ADJ
fsr-3531	166	10	data	datum	NOUN
fsr-3531	166	11	plus	plus	CCONJ
fsr-3531	166	12	financial	financial	ADJ
fsr-3531	166	13	literacy	literacy	NOUN
fsr-3531	166	14	characteristics	characteristic	NOUN
fsr-3531	166	15	,	,	PUNCT
fsr-3531	166	16	and	and	CCONJ
fsr-3531	166	17	models	model	NOUN
fsr-3531	166	18	2	2	NUM
fsr-3531	166	19	and	and	CCONJ
fsr-3531	166	20	3	3	NUM
fsr-3531	166	21	add	add	VERB
fsr-3531	166	22	asset	asset	NOUN
fsr-3531	166	23	and	and	CCONJ
fsr-3531	166	24	debt	debt	NOUN
fsr-3531	166	25	characteristics	characteristic	NOUN
fsr-3531	166	26	.	.	PUNCT
fsr-3531	167	1	model	model	NOUN
fsr-3531	167	2	4	4	NUM
fsr-3531	167	3	adds	add	VERB
fsr-3531	167	4	fig	fig	NOUN
fsr-3531	167	5	.	.	PUNCT
fsr-3531	168	1	4	4	X
fsr-3531	168	2	.	.	NUM
fsr-3531	168	3	predicted	predict	VERB
fsr-3531	168	4	probabilities	probability	NOUN
fsr-3531	168	5	of	of	ADP
fsr-3531	168	6	education	education	NOUN
fsr-3531	168	7	interest	interest	NOUN
fsr-3531	168	8	by	by	ADP
fsr-3531	168	9	measured	measure	VERB
fsr-3531	168	10	and	and	CCONJ
fsr-3531	168	11	self	self	NOUN
fsr-3531	168	12	-	-	PUNCT
fsr-3531	168	13	assessed	assess	VERB
fsr-3531	168	14	financial	financial	ADJ
fsr-3531	168	15	literacy	literacy	NOUN
fsr-3531	168	16	.	.	PUNCT
fsr-3531	169	1	b.	b.	PROPN
fsr-3531	169	2	j.	j.	PROPN
fsr-3531	169	3	davis	davis	PROPN
fsr-3531	169	4	et	et	PROPN
fsr-3531	169	5	al	al	PROPN
fsr-3531	169	6	.	.	PUNCT
fsr-3531	169	7	/	/	SYM
fsr-3531	169	8	financial	financial	ADJ
fsr-3531	169	9	services	service	NOUN
fsr-3531	169	10	review	review	VERB
fsr-3531	169	11	31	31	NUM
fsr-3531	169	12	(	(	PUNCT
fsr-3531	169	13	2023	2023	NUM
fsr-3531	169	14	)	)	PUNCT
fsr-3531	170	1	133–150	133–150	NUM
fsr-3531	170	2	143	143	NUM
fsr-3531	170	3	t	t	X
fsr-3531	170	4	ab	ab	PROPN
fsr-3531	170	5	le	le	X
fsr-3531	170	6	7	7	NUM
fsr-3531	170	7	r	r	NOUN
fsr-3531	170	8	eg	eg	NOUN
fsr-3531	170	9	re	re	NOUN
fsr-3531	170	10	ss	ss	PROPN
fsr-3531	170	11	io	io	PROPN
fsr-3531	170	12	n	n	AUX
fsr-3531	170	13	es	es	X
fsr-3531	170	14	ti	ti	VERB
fsr-3531	170	15	m	m	NOUN
fsr-3531	170	16	at	at	ADP
fsr-3531	170	17	es	es	X
fsr-3531	170	18	o	o	PROPN
fsr-3531	170	19	f	f	PROPN
fsr-3531	170	20	su	su	PROPN
fsr-3531	170	21	rv	rv	PROPN
fsr-3531	170	22	ey	ey	INTJ
fsr-3531	170	23	en	en	ADP
fsr-3531	170	24	g	g	PROPN
fsr-3531	170	25	ag	ag	PROPN
fsr-3531	170	26	em	em	PRON
fsr-3531	170	27	en	en	PROPN
fsr-3531	170	28	t	t	PROPN
fsr-3531	170	29	(	(	PUNCT
fsr-3531	170	30	1	1	NUM
fsr-3531	170	31	)	)	PUNCT
fsr-3531	170	32	(	(	PUNCT
fsr-3531	170	33	2	2	X
fsr-3531	170	34	)	)	PUNCT
fsr-3531	170	35	(	(	PUNCT
fsr-3531	170	36	3	3	X
fsr-3531	170	37	)	)	PUNCT
fsr-3531	170	38	(	(	PUNCT
fsr-3531	170	39	4	4	X
fsr-3531	170	40	)	)	PUNCT
fsr-3531	170	41	m	m	PROPN
fsr-3531	170	42	ar	ar	PROPN
fsr-3531	170	43	.	.	PUNCT
fsr-3531	171	1	co	co	PROPN
fsr-3531	171	2	ef	ef	PROPN
fsr-3531	171	3	f.	f.	PROPN
fsr-3531	171	4	s	s	PROPN
fsr-3531	171	5	ta	ta	PROPN
fsr-3531	171	6	n	n	PROPN
fsr-3531	171	7	d	d	PROPN
fsr-3531	171	8	ar	ar	PROPN
fsr-3531	172	1	d	d	NOUN
fsr-3531	172	2	er	er	INTJ
fsr-3531	172	3	ro	ro	X
fsr-3531	172	4	r	r	PROPN
fsr-3531	172	5	m	m	PROPN
fsr-3531	172	6	ar	ar	PROPN
fsr-3531	172	7	.	.	PUNCT
fsr-3531	173	1	co	co	PROPN
fsr-3531	173	2	ef	ef	PROPN
fsr-3531	173	3	f.	f.	PROPN
fsr-3531	173	4	s	s	PROPN
fsr-3531	173	5	ta	ta	PROPN
fsr-3531	173	6	n	n	PROPN
fsr-3531	173	7	da	da	PROPN
fsr-3531	173	8	rd	rd	PROPN
fsr-3531	174	1	er	er	INTJ
fsr-3531	174	2	ro	ro	INTJ
fsr-3531	174	3	r	r	PROPN
fsr-3531	174	4	m	m	PROPN
fsr-3531	174	5	ar	ar	PROPN
fsr-3531	174	6	.	.	PUNCT
fsr-3531	175	1	co	co	PROPN
fsr-3531	175	2	ef	ef	PROPN
fsr-3531	175	3	f.	f.	PROPN
fsr-3531	175	4	s	s	PROPN
fsr-3531	175	5	ta	ta	PROPN
fsr-3531	175	6	n	n	PROPN
fsr-3531	175	7	d	d	PROPN
fsr-3531	175	8	ar	ar	PROPN
fsr-3531	176	1	d	d	NOUN
fsr-3531	176	2	er	er	INTJ
fsr-3531	176	3	ro	ro	X
fsr-3531	176	4	r	r	PROPN
fsr-3531	176	5	m	m	PROPN
fsr-3531	176	6	ar	ar	PROPN
fsr-3531	176	7	.	.	PUNCT
fsr-3531	177	1	co	co	PROPN
fsr-3531	177	2	ef	ef	PROPN
fsr-3531	177	3	f.	f.	PROPN
fsr-3531	177	4	s	s	PROPN
fsr-3531	177	5	ta	ta	PROPN
fsr-3531	177	6	n	n	PROPN
fsr-3531	177	7	d	d	PROPN
fsr-3531	177	8	ar	ar	PROPN
fsr-3531	178	1	d	d	NOUN
fsr-3531	178	2	er	er	INTJ
fsr-3531	178	3	ro	ro	INTJ
fsr-3531	178	4	r	r	NOUN
fsr-3531	178	5	s	s	PROPN
fsr-3531	178	6	tu	tu	PROPN
fsr-3531	178	7	de	de	PROPN
fsr-3531	178	8	n	n	PROPN
fsr-3531	178	9	t	t	PROPN
fsr-3531	178	10	ch	ch	PROPN
fsr-3531	178	11	ar	ar	PROPN
fsr-3531	178	12	ac	ac	PROPN
fsr-3531	178	13	te	te	PROPN
fsr-3531	178	14	ri	ri	PROPN
fsr-3531	178	15	st	st	PROPN
fsr-3531	178	16	ic	ic	PROPN
fsr-3531	178	17	s	s	PROPN
fsr-3531	178	18	w	w	PROPN
fsr-3531	178	19	o	o	NOUN
fsr-3531	178	20	m	m	VERB
fsr-3531	178	21	an	an	DET
fsr-3531	178	22	0	0	NUM
fsr-3531	178	23	.0	.0	NUM
fsr-3531	178	24	3	3	NUM
fsr-3531	178	25	0	0	NUM
fsr-3531	178	26	*	*	PUNCT
fsr-3531	179	1	*	*	PUNCT
fsr-3531	179	2	*	*	PUNCT
fsr-3531	179	3	(	(	PUNCT
fsr-3531	179	4	0	0	NUM
fsr-3531	179	5	.0	.0	NUM
fsr-3531	179	6	0	0	NUM
fsr-3531	179	7	5	5	NUM
fsr-3531	179	8	)	)	PUNCT
fsr-3531	179	9	0	0	NUM
fsr-3531	180	1	.0	.0	NUM
fsr-3531	180	2	3	3	NUM
fsr-3531	180	3	0	0	NUM
fsr-3531	181	1	*	*	PUNCT
fsr-3531	182	1	*	*	PUNCT
fsr-3531	182	2	*	*	PUNCT
fsr-3531	182	3	(	(	PUNCT
fsr-3531	182	4	0	0	NUM
fsr-3531	182	5	.0	.0	NUM
fsr-3531	182	6	0	0	NUM
fsr-3531	182	7	5	5	NUM
fsr-3531	182	8	)	)	PUNCT
fsr-3531	182	9	0	0	NUM
fsr-3531	183	1	.0	.0	NUM
fsr-3531	183	2	3	3	NUM
fsr-3531	183	3	0	0	NUM
fsr-3531	184	1	*	*	PUNCT
fsr-3531	185	1	*	*	PUNCT
fsr-3531	185	2	*	*	PUNCT
fsr-3531	185	3	(	(	PUNCT
fsr-3531	185	4	0	0	NUM
fsr-3531	185	5	.0	.0	NUM
fsr-3531	185	6	0	0	NUM
fsr-3531	185	7	5	5	NUM
fsr-3531	185	8	)	)	PUNCT
fsr-3531	185	9	0	0	NUM
fsr-3531	186	1	.0	.0	NUM
fsr-3531	186	2	3	3	NUM
fsr-3531	186	3	0	0	NUM
fsr-3531	187	1	*	*	PUNCT
fsr-3531	188	1	*	*	PUNCT
fsr-3531	188	2	*	*	PUNCT
fsr-3531	188	3	(	(	PUNCT
fsr-3531	188	4	0	0	NUM
fsr-3531	188	5	.0	.0	NUM
fsr-3531	188	6	0	0	NUM
fsr-3531	188	7	5	5	NUM
fsr-3531	188	8	)	)	PUNCT
fsr-3531	188	9	a	a	DET
fsr-3531	188	10	g	g	NOUN
fsr-3531	188	11	e	e	NOUN
fsr-3531	188	12	"	"	PUNCT
fsr-3531	188	13	0	0	NUM
fsr-3531	189	1	.0	.0	NUM
fsr-3531	189	2	0	0	NUM
fsr-3531	189	3	0	0	NUM
fsr-3531	189	4	(	(	PUNCT
fsr-3531	189	5	0	0	NUM
fsr-3531	189	6	.0	.0	NUM
fsr-3531	189	7	0	0	NUM
fsr-3531	189	8	0	0	NUM
fsr-3531	189	9	)	)	PUNCT
fsr-3531	189	10	0	0	NUM
fsr-3531	190	1	.0	.0	NUM
fsr-3531	190	2	0	0	NUM
fsr-3531	190	3	0	0	NUM
fsr-3531	190	4	(	(	PUNCT
fsr-3531	190	5	0	0	NUM
fsr-3531	190	6	.0	.0	NUM
fsr-3531	190	7	0	0	NUM
fsr-3531	190	8	0	0	NUM
fsr-3531	190	9	)	)	PUNCT
fsr-3531	190	10	"	"	PUNCT
fsr-3531	190	11	0	0	NUM
fsr-3531	191	1	.0	.0	NUM
fsr-3531	191	2	0	0	NUM
fsr-3531	191	3	0	0	NUM
fsr-3531	191	4	(	(	PUNCT
fsr-3531	191	5	0	0	NUM
fsr-3531	191	6	.0	.0	NUM
fsr-3531	191	7	0	0	NUM
fsr-3531	191	8	0	0	NUM
fsr-3531	191	9	)	)	PUNCT
fsr-3531	191	10	0	0	NUM
fsr-3531	192	1	.0	.0	NUM
fsr-3531	192	2	0	0	NUM
fsr-3531	192	3	0	0	NUM
fsr-3531	192	4	(	(	PUNCT
fsr-3531	192	5	0	0	NUM
fsr-3531	192	6	.0	.0	NUM
fsr-3531	192	7	0	0	NUM
fsr-3531	192	8	0	0	NUM
fsr-3531	192	9	)	)	PUNCT
fsr-3531	192	10	in	in	ADP
fsr-3531	192	11	tl	tl	PROPN
fsr-3531	192	12	st	st	PROPN
fsr-3531	192	13	u	u	PROPN
fsr-3531	192	14	d	d	PROPN
fsr-3531	192	15	en	en	X
fsr-3531	192	16	t	t	PROPN
fsr-3531	192	17	0	0	NUM
fsr-3531	193	1	.0	.0	NUM
fsr-3531	193	2	0	0	NUM
fsr-3531	193	3	9	9	NUM
fsr-3531	193	4	(	(	PUNCT
fsr-3531	193	5	0	0	NUM
fsr-3531	193	6	.0	.0	NUM
fsr-3531	193	7	0	0	NUM
fsr-3531	193	8	6	6	NUM
fsr-3531	193	9	)	)	PUNCT
fsr-3531	193	10	0	0	NUM
fsr-3531	194	1	.0	.0	NUM
fsr-3531	194	2	0	0	NUM
fsr-3531	194	3	7	7	NUM
fsr-3531	194	4	(	(	PUNCT
fsr-3531	194	5	0	0	NUM
fsr-3531	194	6	.0	.0	NUM
fsr-3531	194	7	0	0	NUM
fsr-3531	194	8	6	6	NUM
fsr-3531	194	9	)	)	PUNCT
fsr-3531	194	10	0	0	NUM
fsr-3531	195	1	.0	.0	NUM
fsr-3531	195	2	0	0	NUM
fsr-3531	195	3	8	8	NUM
fsr-3531	195	4	(	(	PUNCT
fsr-3531	195	5	0	0	NUM
fsr-3531	195	6	.0	.0	NUM
fsr-3531	195	7	0	0	NUM
fsr-3531	195	8	6	6	NUM
fsr-3531	195	9	)	)	PUNCT
fsr-3531	195	10	0	0	NUM
fsr-3531	196	1	.0	.0	NUM
fsr-3531	196	2	0	0	NUM
fsr-3531	196	3	6	6	NUM
fsr-3531	196	4	(	(	PUNCT
fsr-3531	196	5	0	0	NUM
fsr-3531	196	6	.0	.0	NUM
fsr-3531	196	7	0	0	NUM
fsr-3531	196	8	6	6	NUM
fsr-3531	196	9	)	)	PUNCT
fsr-3531	196	10	m	m	VERB
fsr-3531	196	11	ai	ai	VERB
fsr-3531	196	12	n	n	PRON
fsr-3531	196	13	ca	can	AUX
fsr-3531	196	14	m	m	PROPN
fsr-3531	196	15	p	p	NOUN
fsr-3531	196	16	u	u	NOUN
fsr-3531	196	17	s	s	PART
fsr-3531	196	18	0	0	NUM
fsr-3531	196	19	.0	.0	NUM
fsr-3531	196	20	0	0	NUM
fsr-3531	196	21	2	2	NUM
fsr-3531	196	22	(	(	PUNCT
fsr-3531	196	23	0	0	NUM
fsr-3531	196	24	.0	.0	NUM
fsr-3531	196	25	0	0	NUM
fsr-3531	196	26	6	6	NUM
fsr-3531	196	27	)	)	PUNCT
fsr-3531	196	28	0	0	NUM
fsr-3531	197	1	.0	.0	NUM
fsr-3531	197	2	0	0	NUM
fsr-3531	197	3	9	9	NUM
fsr-3531	197	4	(	(	PUNCT
fsr-3531	197	5	0	0	NUM
fsr-3531	197	6	.0	.0	NUM
fsr-3531	197	7	0	0	NUM
fsr-3531	197	8	6	6	NUM
fsr-3531	197	9	)	)	PUNCT
fsr-3531	197	10	0	0	NUM
fsr-3531	198	1	.0	.0	NUM
fsr-3531	198	2	0	0	NUM
fsr-3531	198	3	7	7	NUM
fsr-3531	198	4	(	(	PUNCT
fsr-3531	198	5	0	0	NUM
fsr-3531	198	6	.0	.0	NUM
fsr-3531	198	7	0	0	NUM
fsr-3531	198	8	6	6	NUM
fsr-3531	198	9	)	)	PUNCT
fsr-3531	198	10	0	0	NUM
fsr-3531	199	1	.0	.0	NUM
fsr-3531	199	2	0	0	NUM
fsr-3531	199	3	8	8	NUM
fsr-3531	199	4	(	(	PUNCT
fsr-3531	199	5	0	0	NUM
fsr-3531	199	6	.0	.0	NUM
fsr-3531	199	7	0	0	NUM
fsr-3531	199	8	6	6	NUM
fsr-3531	199	9	)	)	PUNCT
fsr-3531	199	10	s	s	PART
fsr-3531	199	11	tu	tu	PROPN
fsr-3531	199	12	d	d	X
fsr-3531	199	13	en	en	PROPN
fsr-3531	199	14	t	t	X
fsr-3531	199	15	te	te	PROPN
fsr-3531	199	16	ac	ac	PROPN
fsr-3531	199	17	h	h	PROPN
fsr-3531	199	18	in	in	ADP
fsr-3531	199	19	g	g	PROPN
fsr-3531	199	20	/r	/r	PUNCT
fsr-3531	199	21	es	es	X
fsr-3531	199	22	ea	ea	PROPN
fsr-3531	200	1	rc	rc	PROPN
fsr-3531	200	2	h	h	PROPN
fsr-3531	200	3	as	as	ADP
fsr-3531	200	4	st	st	PROPN
fsr-3531	200	5	0	0	PROPN
fsr-3531	200	6	.0	.0	NUM
fsr-3531	200	7	3	3	NUM
fsr-3531	200	8	7	7	NUM
fsr-3531	200	9	*	*	PUNCT
fsr-3531	200	10	*	*	PUNCT
fsr-3531	201	1	*	*	PUNCT
fsr-3531	201	2	(	(	PUNCT
fsr-3531	201	3	0	0	NUM
fsr-3531	201	4	.0	.0	NUM
fsr-3531	201	5	0	0	NUM
fsr-3531	201	6	7	7	NUM
fsr-3531	201	7	)	)	PUNCT
fsr-3531	201	8	0	0	NUM
fsr-3531	202	1	.0	.0	NUM
fsr-3531	202	2	7	7	NUM
fsr-3531	202	3	5	5	NUM
fsr-3531	202	4	*	*	PUNCT
fsr-3531	203	1	*	*	PUNCT
fsr-3531	203	2	*	*	PUNCT
fsr-3531	203	3	(	(	PUNCT
fsr-3531	203	4	0	0	NUM
fsr-3531	203	5	.0	.0	NUM
fsr-3531	203	6	1	1	NUM
fsr-3531	203	7	4	4	NUM
fsr-3531	203	8	)	)	PUNCT
fsr-3531	203	9	0	0	NUM
fsr-3531	204	1	.0	.0	NUM
fsr-3531	204	2	7	7	NUM
fsr-3531	204	3	7	7	NUM
fsr-3531	204	4	*	*	PUNCT
fsr-3531	205	1	*	*	PUNCT
fsr-3531	205	2	*	*	PUNCT
fsr-3531	205	3	(	(	PUNCT
fsr-3531	205	4	0	0	NUM
fsr-3531	205	5	.0	.0	NUM
fsr-3531	205	6	1	1	NUM
fsr-3531	205	7	4	4	NUM
fsr-3531	205	8	)	)	PUNCT
fsr-3531	205	9	0	0	NUM
fsr-3531	206	1	.0	.0	NUM
fsr-3531	206	2	7	7	NUM
fsr-3531	206	3	3	3	NUM
fsr-3531	206	4	*	*	PUNCT
fsr-3531	207	1	*	*	PUNCT
fsr-3531	207	2	*	*	PUNCT
fsr-3531	207	3	(	(	PUNCT
fsr-3531	207	4	0	0	NUM
fsr-3531	207	5	.0	.0	NUM
fsr-3531	207	6	1	1	NUM
fsr-3531	207	7	4	4	NUM
fsr-3531	207	8	)	)	PUNCT
fsr-3531	208	1	e	e	X
fsr-3531	208	2	d	d	PUNCT
fsr-3531	208	3	u	u	X
fsr-3531	208	4	c	c	NOUN
fsr-3531	208	5	cr	cr	INTJ
fsr-3531	209	1	ed	ed	PROPN
fsr-3531	209	2	it	it	PRON
fsr-3531	209	3	s	s	VERB
fsr-3531	209	4	"	"	PUNCT
fsr-3531	209	5	0	0	NUM
fsr-3531	210	1	.0	.0	NUM
fsr-3531	210	2	0	0	NUM
fsr-3531	210	3	6	6	NUM
fsr-3531	210	4	*	*	PUNCT
fsr-3531	210	5	*	*	PUNCT
fsr-3531	210	6	*	*	PUNCT
fsr-3531	210	7	(	(	PUNCT
fsr-3531	210	8	0	0	NUM
fsr-3531	210	9	.0	.0	NUM
fsr-3531	210	10	0	0	NUM
fsr-3531	210	11	1	1	NUM
fsr-3531	210	12	)	)	PUNCT
fsr-3531	210	13	"	"	PUNCT
fsr-3531	210	14	0	0	NUM
fsr-3531	211	1	.0	.0	NUM
fsr-3531	211	2	0	0	NUM
fsr-3531	211	3	6	6	NUM
fsr-3531	211	4	*	*	PUNCT
fsr-3531	212	1	*	*	PUNCT
fsr-3531	212	2	*	*	PUNCT
fsr-3531	212	3	(	(	PUNCT
fsr-3531	212	4	0	0	NUM
fsr-3531	212	5	.0	.0	NUM
fsr-3531	212	6	0	0	NUM
fsr-3531	212	7	1	1	NUM
fsr-3531	212	8	)	)	PUNCT
fsr-3531	212	9	"	"	PUNCT
fsr-3531	212	10	0	0	NUM
fsr-3531	213	1	.0	.0	NUM
fsr-3531	213	2	0	0	NUM
fsr-3531	213	3	6	6	NUM
fsr-3531	213	4	*	*	PUNCT
fsr-3531	214	1	*	*	PUNCT
fsr-3531	214	2	*	*	PUNCT
fsr-3531	214	3	(	(	PUNCT
fsr-3531	214	4	0	0	NUM
fsr-3531	214	5	.0	.0	NUM
fsr-3531	214	6	0	0	NUM
fsr-3531	214	7	1	1	NUM
fsr-3531	214	8	)	)	PUNCT
fsr-3531	214	9	"	"	PUNCT
fsr-3531	214	10	0	0	NUM
fsr-3531	215	1	.0	.0	NUM
fsr-3531	215	2	0	0	NUM
fsr-3531	215	3	5	5	NUM
fsr-3531	215	4	*	*	PUNCT
fsr-3531	216	1	*	*	PUNCT
fsr-3531	216	2	*	*	PUNCT
fsr-3531	216	3	(	(	PUNCT
fsr-3531	216	4	0	0	NUM
fsr-3531	216	5	.0	.0	NUM
fsr-3531	216	6	0	0	NUM
fsr-3531	216	7	2	2	NUM
fsr-3531	216	8	)	)	PUNCT
fsr-3531	216	9	ln	ln	NOUN
fsr-3531	216	10	(	(	PUNCT
fsr-3531	216	11	e	e	NOUN
fsr-3531	216	12	d	d	PUNCT
fsr-3531	216	13	u	u	X
fsr-3531	216	14	c	c	NOUN
fsr-3531	216	15	cr	cr	INTJ
fsr-3531	216	16	ed	ed	PROPN
fsr-3531	216	17	it	it	PRON
fsr-3531	216	18	s	s	VERB
fsr-3531	216	19	)	)	PUNCT
fsr-3531	216	20	0	0	NUM
fsr-3531	217	1	.0	.0	NUM
fsr-3531	217	2	6	6	NUM
fsr-3531	217	3	1	1	NUM
fsr-3531	217	4	*	*	PUNCT
fsr-3531	217	5	*	*	PUNCT
fsr-3531	218	1	*	*	PUNCT
fsr-3531	218	2	(	(	PUNCT
fsr-3531	218	3	0	0	NUM
fsr-3531	218	4	.0	.0	NUM
fsr-3531	218	5	1	1	NUM
fsr-3531	218	6	1	1	NUM
fsr-3531	218	7	)	)	PUNCT
fsr-3531	218	8	0	0	NUM
fsr-3531	219	1	.0	.0	NUM
fsr-3531	219	2	6	6	NUM
fsr-3531	219	3	1	1	NUM
fsr-3531	219	4	*	*	PUNCT
fsr-3531	220	1	*	*	PUNCT
fsr-3531	220	2	*	*	PUNCT
fsr-3531	220	3	(	(	PUNCT
fsr-3531	220	4	0	0	NUM
fsr-3531	220	5	.0	.0	NUM
fsr-3531	220	6	1	1	NUM
fsr-3531	220	7	1	1	NUM
fsr-3531	220	8	)	)	PUNCT
fsr-3531	220	9	0	0	NUM
fsr-3531	221	1	.0	.0	NUM
fsr-3531	221	2	6	6	NUM
fsr-3531	221	3	0	0	NUM
fsr-3531	222	1	*	*	PUNCT
fsr-3531	223	1	*	*	PUNCT
fsr-3531	223	2	*	*	PUNCT
fsr-3531	223	3	(	(	PUNCT
fsr-3531	223	4	0	0	NUM
fsr-3531	223	5	.0	.0	NUM
fsr-3531	223	6	1	1	NUM
fsr-3531	223	7	2	2	NUM
fsr-3531	223	8	)	)	PUNCT
fsr-3531	223	9	0	0	NUM
fsr-3531	224	1	.0	.0	NUM
fsr-3531	224	2	5	5	NUM
fsr-3531	224	3	6	6	NUM
fsr-3531	224	4	*	*	PUNCT
fsr-3531	225	1	*	*	PUNCT
fsr-3531	225	2	*	*	PUNCT
fsr-3531	225	3	(	(	PUNCT
fsr-3531	225	4	0	0	NUM
fsr-3531	225	5	.0	.0	NUM
fsr-3531	225	6	1	1	NUM
fsr-3531	225	7	2	2	NUM
fsr-3531	225	8	)	)	PUNCT
fsr-3531	226	1	m	m	AUX
fsr-3531	226	2	ai	ai	VERB
fsr-3531	226	3	n	n	ADV
fsr-3531	226	4	c	c	PROPN
fsr-3531	226	5	am	be	AUX
fsr-3531	226	6	p	p	NOUN
fsr-3531	226	7	u	u	NOUN
fsr-3531	226	8	s	s	PART
fsr-3531	226	9	*	*	X
fsr-3531	226	10	s	s	PROPN
fsr-3531	226	11	tu	tu	X
fsr-3531	226	12	d	d	PROPN
fsr-3531	226	13	en	en	PROPN
fsr-3531	226	14	t	t	PROPN
fsr-3531	226	15	a	a	DET
fsr-3531	226	16	ss	ss	PROPN
fsr-3531	226	17	t	t	NOUN
fsr-3531	226	18	"	"	PUNCT
fsr-3531	226	19	0	0	NUM
fsr-3531	227	1	.0	.0	NUM
fsr-3531	227	2	5	5	NUM
fsr-3531	227	3	0	0	NUM
fsr-3531	227	4	*	*	PUNCT
fsr-3531	228	1	*	*	PUNCT
fsr-3531	228	2	*	*	PUNCT
fsr-3531	228	3	(	(	PUNCT
fsr-3531	228	4	0	0	NUM
fsr-3531	228	5	.0	.0	NUM
fsr-3531	228	6	1	1	NUM
fsr-3531	228	7	6	6	NUM
fsr-3531	228	8	)	)	PUNCT
fsr-3531	228	9	"	"	PUNCT
fsr-3531	228	10	0	0	NUM
fsr-3531	229	1	.0	.0	NUM
fsr-3531	229	2	4	4	NUM
fsr-3531	229	3	9	9	NUM
fsr-3531	229	4	*	*	PUNCT
fsr-3531	230	1	*	*	PUNCT
fsr-3531	230	2	*	*	PUNCT
fsr-3531	230	3	(	(	PUNCT
fsr-3531	230	4	0	0	NUM
fsr-3531	230	5	.0	.0	NUM
fsr-3531	230	6	1	1	NUM
fsr-3531	230	7	6	6	NUM
fsr-3531	230	8	)	)	PUNCT
fsr-3531	230	9	"	"	PUNCT
fsr-3531	230	10	0	0	NUM
fsr-3531	231	1	.0	.0	NUM
fsr-3531	231	2	4	4	NUM
fsr-3531	231	3	6	6	NUM
fsr-3531	231	4	*	*	PUNCT
fsr-3531	232	1	*	*	PUNCT
fsr-3531	232	2	*	*	PUNCT
fsr-3531	232	3	(	(	PUNCT
fsr-3531	232	4	0	0	NUM
fsr-3531	232	5	.0	.0	NUM
fsr-3531	232	6	1	1	NUM
fsr-3531	232	7	6	6	NUM
fsr-3531	232	8	)	)	PUNCT
fsr-3531	233	1	p	p	X
fsr-3531	233	2	ro	ro	INTJ
fsr-3531	234	1	g	g	PROPN
fsr-3531	234	2	ra	ra	PROPN
fsr-3531	234	3	m	m	VERB
fsr-3531	234	4	ty	ty	INTJ
fsr-3531	234	5	p	p	X
fsr-3531	234	6	e	e	X
fsr-3531	234	7	(	(	PUNCT
fsr-3531	234	8	b	b	PROPN
fsr-3531	234	9	as	as	ADP
fsr-3531	234	10	el	el	PROPN
fsr-3531	234	11	in	in	ADP
fsr-3531	234	12	e	e	PROPN
fsr-3531	234	13	¼	¼	NOUN
fsr-3531	234	14	l	l	NOUN
fsr-3531	234	15	ib	ib	NOUN
fsr-3531	235	1	er	er	INTJ
fsr-3531	235	2	al	al	PROPN
fsr-3531	235	3	a	a	PROPN
fsr-3531	235	4	rt	rt	PROPN
fsr-3531	235	5	s	s	PROPN
fsr-3531	235	6	)	)	PUNCT
fsr-3531	235	7	s	s	PART
fsr-3531	235	8	t	t	NOUN
fsr-3531	235	9	e	e	NOUN
fsr-3531	235	10	m	m	VERB
fsr-3531	235	11	"	"	PUNCT
fsr-3531	235	12	0	0	NUM
fsr-3531	236	1	.0	.0	NUM
fsr-3531	236	2	0	0	NUM
fsr-3531	236	3	2	2	NUM
fsr-3531	236	4	(	(	PUNCT
fsr-3531	236	5	0	0	NUM
fsr-3531	236	6	.0	.0	NUM
fsr-3531	236	7	0	0	NUM
fsr-3531	236	8	9	9	NUM
fsr-3531	236	9	)	)	PUNCT
fsr-3531	236	10	p	p	NOUN
fsr-3531	236	11	ro	ro	X
fsr-3531	236	12	fe	fe	X
fsr-3531	236	13	ss	ss	PROPN
fsr-3531	236	14	io	io	PROPN
fsr-3531	236	15	n	n	PROPN
fsr-3531	236	16	al	al	PROPN
fsr-3531	236	17	0	0	PROPN
fsr-3531	236	18	.0	.0	NUM
fsr-3531	236	19	0	0	NUM
fsr-3531	236	20	3	3	NUM
fsr-3531	236	21	(	(	PUNCT
fsr-3531	236	22	0	0	NUM
fsr-3531	236	23	.0	.0	NUM
fsr-3531	236	24	0	0	NUM
fsr-3531	236	25	8)	8)	NUM
fsr-3531	236	26	b	b	SYM
fsr-3531	236	27	u	u	NOUN
fsr-3531	236	28	si	si	PROPN
fsr-3531	236	29	n	n	ADV
fsr-3531	236	30	es	es	X
fsr-3531	236	31	s	s	PROPN
fsr-3531	236	32	0	0	NUM
fsr-3531	236	33	.0	.0	NUM
fsr-3531	236	34	0	0	NUM
fsr-3531	236	35	7	7	NUM
fsr-3531	236	36	(	(	PUNCT
fsr-3531	236	37	0	0	NUM
fsr-3531	236	38	.0	.0	NUM
fsr-3531	236	39	1	1	NUM
fsr-3531	236	40	0	0	NUM
fsr-3531	236	41	)	)	PUNCT
fsr-3531	236	42	p	p	NOUN
fsr-3531	236	43	ro	ro	INTJ
fsr-3531	236	44	g	g	PROPN
fsr-3531	236	45	ra	ra	PROPN
fsr-3531	236	46	m	m	VERB
fsr-3531	236	47	ty	ty	INTJ
fsr-3531	236	48	p	p	X
fsr-3531	236	49	e	e	X
fsr-3531	236	50	(	(	PUNCT
fsr-3531	236	51	b	b	PROPN
fsr-3531	236	52	as	as	ADP
fsr-3531	236	53	el	el	PROPN
fsr-3531	236	54	in	in	ADP
fsr-3531	236	55	e	e	PROPN
fsr-3531	236	56	¼	¼	NOUN
fsr-3531	236	57	m	m	NOUN
fsr-3531	236	58	as	as	ADP
fsr-3531	236	59	te	te	INTJ
fsr-3531	236	60	rs	rs	INTJ
fsr-3531	236	61	)	)	PUNCT
fsr-3531	237	1	d	d	X
fsr-3531	237	2	o	o	NOUN
fsr-3531	238	1	ct	ct	NUM
fsr-3531	238	2	o	o	INTJ
fsr-3531	238	3	ra	ra	INTJ
fsr-3531	238	4	te	te	INTJ
fsr-3531	238	5	"	"	PUNCT
fsr-3531	238	6	0	0	NUM
fsr-3531	239	1	.0	.0	NUM
fsr-3531	239	2	1	1	NUM
fsr-3531	239	3	2	2	NUM
fsr-3531	239	4	*	*	PUNCT
fsr-3531	239	5	(	(	PUNCT
fsr-3531	239	6	0	0	NUM
fsr-3531	239	7	.0	.0	NUM
fsr-3531	239	8	0	0	NUM
fsr-3531	239	9	7	7	NUM
fsr-3531	239	10	)	)	PUNCT
fsr-3531	239	11	l	l	NOUN
fsr-3531	240	1	aw	aw	INTJ
fsr-3531	240	2	"	"	PUNCT
fsr-3531	240	3	0	0	NUM
fsr-3531	240	4	.0	.0	NUM
fsr-3531	240	5	3	3	NUM
fsr-3531	240	6	3	3	NUM
fsr-3531	240	7	*	*	PUNCT
fsr-3531	240	8	*	*	PUNCT
fsr-3531	240	9	*	*	PUNCT
fsr-3531	240	10	(	(	PUNCT
fsr-3531	240	11	0	0	NUM
fsr-3531	240	12	.0	.0	NUM
fsr-3531	240	13	0	0	NUM
fsr-3531	240	14	9	9	NUM
fsr-3531	240	15	)	)	PUNCT
fsr-3531	240	16	o	o	NOUN
fsr-3531	241	1	th	th	INTJ
fsr-3531	241	2	er	er	INTJ
fsr-3531	241	3	/n	/n	PUNCT
fsr-3531	242	1	o	o	X
fsr-3531	242	2	n	n	CCONJ
fsr-3531	242	3	-d	-d	PRON
fsr-3531	242	4	eg	eg	NOUN
fsr-3531	242	5	re	re	X
fsr-3531	242	6	e	e	X
fsr-3531	242	7	"	"	PUNCT
fsr-3531	242	8	0	0	NUM
fsr-3531	242	9	.0	.0	NUM
fsr-3531	242	10	0	0	NUM
fsr-3531	242	11	0	0	NUM
fsr-3531	242	12	(	(	PUNCT
fsr-3531	242	13	0	0	NUM
fsr-3531	242	14	.0	.0	NUM
fsr-3531	242	15	1	1	NUM
fsr-3531	242	16	3	3	NUM
fsr-3531	242	17	)	)	PUNCT
fsr-3531	242	18	c	c	NOUN
fsr-3531	242	19	er	er	INTJ
fsr-3531	242	20	ti	ti	PROPN
fsr-3531	242	21	fi	fi	NOUN
fsr-3531	242	22	ca	can	AUX
fsr-3531	242	23	te	te	PROPN
fsr-3531	242	24	"	"	PUNCT
fsr-3531	242	25	0	0	NUM
fsr-3531	242	26	.0	.0	NUM
fsr-3531	242	27	2	2	NUM
fsr-3531	242	28	7	7	NUM
fsr-3531	242	29	(	(	PUNCT
fsr-3531	242	30	0	0	NUM
fsr-3531	242	31	.0	.0	NUM
fsr-3531	242	32	1	1	NUM
fsr-3531	242	33	8	8	NUM
fsr-3531	242	34	)	)	PUNCT
fsr-3531	243	1	p	p	X
fsr-3531	243	2	o	o	X
fsr-3531	243	3	st	st	PROPN
fsr-3531	244	1	-d	-d	X
fsr-3531	244	2	o	o	NOUN
fsr-3531	244	3	c	c	NOUN
fsr-3531	244	4	"	"	PUNCT
fsr-3531	244	5	0	0	NUM
fsr-3531	244	6	.0	.0	NUM
fsr-3531	244	7	1	1	NUM
fsr-3531	244	8	7	7	NUM
fsr-3531	244	9	(	(	PUNCT
fsr-3531	244	10	0	0	NUM
fsr-3531	244	11	.0	.0	NUM
fsr-3531	244	12	3	3	NUM
fsr-3531	244	13	2	2	NUM
fsr-3531	244	14	)	)	PUNCT
fsr-3531	244	15	m	m	VERB
fsr-3531	244	16	ed	ed	NOUN
fsr-3531	245	1	ic	ic	PROPN
fsr-3531	245	2	al	al	PROPN
fsr-3531	245	3	"	"	PUNCT
fsr-3531	245	4	0	0	NUM
fsr-3531	246	1	.0	.0	NUM
fsr-3531	246	2	1	1	NUM
fsr-3531	246	3	6	6	NUM
fsr-3531	246	4	(	(	PUNCT
fsr-3531	246	5	0	0	NUM
fsr-3531	246	6	.0	.0	NUM
fsr-3531	246	7	1	1	NUM
fsr-3531	246	8	1	1	NUM
fsr-3531	246	9	)	)	PUNCT
fsr-3531	246	10	o	o	NOUN
fsr-3531	246	11	b	b	X
fsr-3531	246	12	se	se	PROPN
fsr-3531	246	13	rv	rv	PROPN
fsr-3531	246	14	at	at	ADP
fsr-3531	246	15	io	io	PROPN
fsr-3531	246	16	n	n	PROPN
fsr-3531	246	17	s	s	PROPN
fsr-3531	246	18	1	1	NUM
fsr-3531	246	19	7	7	NUM
fsr-3531	246	20	,	,	PUNCT
fsr-3531	246	21	7	7	NUM
fsr-3531	246	22	5	5	NUM
fsr-3531	246	23	0	0	NUM
fsr-3531	246	24	1	1	NUM
fsr-3531	246	25	7	7	NUM
fsr-3531	246	26	,	,	PUNCT
fsr-3531	246	27	7	7	NUM
fsr-3531	246	28	5	5	NUM
fsr-3531	246	29	0	0	NUM
fsr-3531	246	30	1	1	NUM
fsr-3531	246	31	7	7	NUM
fsr-3531	246	32	,	,	PUNCT
fsr-3531	246	33	7	7	NUM
fsr-3531	246	34	5	5	NUM
fsr-3531	246	35	0	0	NUM
fsr-3531	246	36	1	1	NUM
fsr-3531	246	37	7	7	NUM
fsr-3531	246	38	,	,	PUNCT
fsr-3531	246	39	7	7	NUM
fsr-3531	246	40	50	50	NUM
fsr-3531	246	41	n	n	NUM
fsr-3531	246	42	o	o	X
fsr-3531	246	43	te	te	X
fsr-3531	246	44	.	.	PUNCT
fsr-3531	247	1	p	p	X
fsr-3531	248	1	ro	ro	PROPN
fsr-3531	248	2	b	b	X
fsr-3531	249	1	it	it	PRON
fsr-3531	249	2	sp	sp	ADP
fsr-3531	249	3	ec	ec	PROPN
fsr-3531	249	4	ifi	ifi	PROPN
fsr-3531	249	5	ca	can	AUX
fsr-3531	249	6	ti	ti	VERB
fsr-3531	249	7	o	o	PROPN
fsr-3531	249	8	n	n	PROPN
fsr-3531	249	9	s	s	NOUN
fsr-3531	249	10	w	w	NOUN
fsr-3531	249	11	it	it	PRON
fsr-3531	250	1	h	h	NOUN
fsr-3531	250	2	m	m	PROPN
fsr-3531	250	3	ar	ar	PROPN
fsr-3531	250	4	g	g	PROPN
fsr-3531	250	5	in	in	ADP
fsr-3531	250	6	al	al	PROPN
fsr-3531	250	7	co	co	PROPN
fsr-3531	250	8	ef	ef	PROPN
fsr-3531	250	9	fi	fi	PROPN
fsr-3531	250	10	ci	ci	PROPN
fsr-3531	250	11	en	en	X
fsr-3531	250	12	ts	ts	X
fsr-3531	250	13	re	re	ADP
fsr-3531	250	14	p	p	X
fsr-3531	250	15	o	o	X
fsr-3531	251	1	rt	rt	PROPN
fsr-3531	251	2	s	s	PROPN
fsr-3531	251	3	an	an	DET
fsr-3531	251	4	d	d	PROPN
fsr-3531	251	5	st	st	PROPN
fsr-3531	252	1	an	an	PROPN
fsr-3531	252	2	d	d	PROPN
fsr-3531	252	3	ar	ar	PROPN
fsr-3531	252	4	d	d	PROPN
fsr-3531	252	5	er	er	INTJ
fsr-3531	252	6	ro	ro	INTJ
fsr-3531	252	7	rs	rs	NOUN
fsr-3531	252	8	in	in	ADP
fsr-3531	252	9	p	p	PROPN
fsr-3531	252	10	ar	ar	PROPN
fsr-3531	252	11	en	en	ADP
fsr-3531	252	12	th	th	X
fsr-3531	252	13	es	es	NOUN
fsr-3531	252	14	is	be	AUX
fsr-3531	252	15	.	.	PUNCT
fsr-3531	253	1	*	*	PUNCT
fsr-3531	253	2	,	,	PUNCT
fsr-3531	253	3	*	*	PUNCT
fsr-3531	253	4	*	*	PUNCT
fsr-3531	253	5	,	,	PUNCT
fsr-3531	253	6	*	*	PUNCT
fsr-3531	253	7	*	*	PUNCT
fsr-3531	253	8	*	*	PUNCT
fsr-3531	253	9	re	re	ADP
fsr-3531	253	10	p	p	X
fsr-3531	253	11	re	re	AUX
fsr-3531	253	12	se	se	PROPN
fsr-3531	253	13	nt	nt	PROPN
fsr-3531	253	14	s	s	PART
fsr-3531	253	15	si	si	PROPN
fsr-3531	253	16	g	g	PROPN
fsr-3531	253	17	n	n	PROPN
fsr-3531	253	18	ifi	ifi	PROPN
fsr-3531	253	19	ca	ca	PROPN
fsr-3531	253	20	n	n	ADV
fsr-3531	253	21	ce	ce	PROPN
fsr-3531	253	22	at	at	ADP
fsr-3531	253	23	th	th	X
fsr-3531	253	24	e	e	X
fsr-3531	253	25	1	1	NUM
fsr-3531	253	26	0	0	NUM
fsr-3531	253	27	%	%	NOUN
fsr-3531	253	28	,	,	PUNCT
fsr-3531	253	29	5	5	NUM
fsr-3531	253	30	%	%	NOUN
fsr-3531	253	31	,	,	PUNCT
fsr-3531	253	32	an	an	DET
fsr-3531	253	33	d	d	PROPN
fsr-3531	253	34	1	1	NUM
fsr-3531	253	35	%	%	NOUN
fsr-3531	253	36	le	le	X
fsr-3531	253	37	v	v	PROPN
fsr-3531	253	38	el	el	PROPN
fsr-3531	253	39	s	s	PROPN
fsr-3531	253	40	,	,	PUNCT
fsr-3531	253	41	re	re	ADP
fsr-3531	253	42	sp	sp	ADP
fsr-3531	253	43	ec	ec	PROPN
fsr-3531	253	44	ti	ti	PROPN
fsr-3531	253	45	v	v	PROPN
fsr-3531	253	46	el	el	PROPN
fsr-3531	253	47	y	y	PROPN
fsr-3531	253	48	.	.	PUNCT
fsr-3531	254	1	144	144	NUM
fsr-3531	254	2	b.	b.	PROPN
fsr-3531	254	3	j.	j.	PROPN
fsr-3531	254	4	davis	davis	PROPN
fsr-3531	254	5	et	et	PROPN
fsr-3531	254	6	al	al	PROPN
fsr-3531	254	7	.	.	PUNCT
fsr-3531	254	8	/	/	SYM
fsr-3531	254	9	financial	financial	ADJ
fsr-3531	254	10	services	service	NOUN
fsr-3531	254	11	review	review	VERB
fsr-3531	254	12	31	31	NUM
fsr-3531	254	13	(	(	PUNCT
fsr-3531	254	14	2023	2023	NUM
fsr-3531	254	15	)	)	PUNCT
fsr-3531	255	1	133–150	133–150	NUM
fsr-3531	255	2	t	t	PROPN
fsr-3531	255	3	ab	ab	X
fsr-3531	255	4	le	le	X
fsr-3531	255	5	8	8	NUM
fsr-3531	255	6	r	r	NOUN
fsr-3531	255	7	eg	eg	NOUN
fsr-3531	255	8	re	re	NOUN
fsr-3531	255	9	ss	ss	PROPN
fsr-3531	255	10	io	io	PROPN
fsr-3531	255	11	n	n	ADV
fsr-3531	255	12	es	es	X
fsr-3531	255	13	ti	ti	VERB
fsr-3531	255	14	m	m	NOUN
fsr-3531	255	15	at	at	ADP
fsr-3531	255	16	es	es	X
fsr-3531	255	17	o	o	PROPN
fsr-3531	255	18	f	f	X
fsr-3531	255	19	se	se	PROPN
fsr-3531	255	20	m	m	PROPN
fsr-3531	255	21	in	in	ADP
fsr-3531	255	22	ar	ar	PROPN
fsr-3531	255	23	in	in	ADP
fsr-3531	255	24	te	te	PROPN
fsr-3531	255	25	re	re	PROPN
fsr-3531	255	26	st	st	PROPN
fsr-3531	255	27	(	(	PUNCT
fsr-3531	255	28	1	1	NUM
fsr-3531	255	29	)	)	PUNCT
fsr-3531	255	30	(	(	PUNCT
fsr-3531	255	31	2	2	X
fsr-3531	255	32	)	)	PUNCT
fsr-3531	255	33	(	(	PUNCT
fsr-3531	255	34	3	3	X
fsr-3531	255	35	)	)	PUNCT
fsr-3531	255	36	(	(	PUNCT
fsr-3531	255	37	4	4	NUM
fsr-3531	255	38	)	)	PUNCT
fsr-3531	255	39	(	(	PUNCT
fsr-3531	255	40	5	5	X
fsr-3531	255	41	)	)	PUNCT
fsr-3531	255	42	s	s	PART
fsr-3531	255	43	tu	tu	PROPN
fsr-3531	255	44	de	de	PROPN
fsr-3531	255	45	n	n	PROPN
fsr-3531	255	46	t	t	PROPN
fsr-3531	255	47	an	an	DET
fsr-3531	255	48	d	d	X
fsr-3531	255	49	p	p	X
fsr-3531	255	50	ro	ro	INTJ
fsr-3531	255	51	gr	gr	PROPN
fsr-3531	255	52	am	be	AUX
fsr-3531	255	53	ch	ch	PROPN
fsr-3531	255	54	ar	ar	PROPN
fsr-3531	255	55	ac	ac	PROPN
fsr-3531	255	56	te	te	PROPN
fsr-3531	255	57	ri	ri	PROPN
fsr-3531	255	58	st	st	PROPN
fsr-3531	256	1	ic	ic	PROPN
fsr-3531	256	2	s	s	PROPN
fsr-3531	256	3	w	w	PROPN
fsr-3531	256	4	o	o	NOUN
fsr-3531	256	5	m	m	VERB
fsr-3531	256	6	an	an	DET
fsr-3531	256	7	0	0	NUM
fsr-3531	256	8	.0	.0	NUM
fsr-3531	256	9	2	2	NUM
fsr-3531	256	10	3	3	NUM
fsr-3531	256	11	(	(	PUNCT
fsr-3531	256	12	0	0	NUM
fsr-3531	256	13	.0	.0	NUM
fsr-3531	256	14	2	2	NUM
fsr-3531	256	15	2	2	NUM
fsr-3531	256	16	)	)	PUNCT
fsr-3531	256	17	0	0	NUM
fsr-3531	257	1	.0	.0	NUM
fsr-3531	257	2	2	2	NUM
fsr-3531	257	3	1	1	NUM
fsr-3531	257	4	(	(	PUNCT
fsr-3531	257	5	0	0	NUM
fsr-3531	257	6	.0	.0	NUM
fsr-3531	257	7	2	2	NUM
fsr-3531	257	8	3	3	NUM
fsr-3531	257	9	)	)	PUNCT
fsr-3531	257	10	0	0	NUM
fsr-3531	258	1	.0	.0	NUM
fsr-3531	258	2	2	2	NUM
fsr-3531	258	3	1	1	NUM
fsr-3531	258	4	(	(	PUNCT
fsr-3531	258	5	0	0	NUM
fsr-3531	258	6	.0	.0	NUM
fsr-3531	258	7	2	2	NUM
fsr-3531	258	8	3	3	NUM
fsr-3531	258	9	)	)	PUNCT
fsr-3531	258	10	0	0	NUM
fsr-3531	259	1	.0	.0	NUM
fsr-3531	259	2	1	1	NUM
fsr-3531	259	3	9	9	NUM
fsr-3531	259	4	(	(	PUNCT
fsr-3531	259	5	0	0	NUM
fsr-3531	259	6	.0	.0	NUM
fsr-3531	259	7	2	2	NUM
fsr-3531	259	8	2	2	NUM
fsr-3531	259	9	)	)	PUNCT
fsr-3531	259	10	0	0	NUM
fsr-3531	260	1	.0	.0	NUM
fsr-3531	260	2	0	0	NUM
fsr-3531	260	3	1	1	NUM
fsr-3531	260	4	(	(	PUNCT
fsr-3531	260	5	0	0	NUM
fsr-3531	260	6	.0	.0	NUM
fsr-3531	260	7	2	2	NUM
fsr-3531	260	8	2	2	NUM
fsr-3531	260	9	)	)	PUNCT
fsr-3531	260	10	a	a	DET
fsr-3531	260	11	g	g	NOUN
fsr-3531	260	12	e	e	NOUN
fsr-3531	260	13	"	"	PUNCT
fsr-3531	260	14	0	0	NUM
fsr-3531	261	1	.0	.0	NUM
fsr-3531	261	2	0	0	NUM
fsr-3531	261	3	4	4	NUM
fsr-3531	261	4	(	(	PUNCT
fsr-3531	261	5	0	0	NUM
fsr-3531	261	6	.0	.0	NUM
fsr-3531	261	7	0	0	NUM
fsr-3531	261	8	2	2	NUM
fsr-3531	261	9	)	)	PUNCT
fsr-3531	261	10	*	*	PUNCT
fsr-3531	262	1	*	*	PUNCT
fsr-3531	262	2	*	*	PUNCT
fsr-3531	262	3	"	"	PUNCT
fsr-3531	262	4	0	0	NUM
fsr-3531	262	5	.0	.0	NUM
fsr-3531	262	6	0	0	NUM
fsr-3531	262	7	4	4	NUM
fsr-3531	262	8	(	(	PUNCT
fsr-3531	262	9	0	0	NUM
fsr-3531	262	10	.0	.0	NUM
fsr-3531	262	11	0	0	NUM
fsr-3531	262	12	2	2	NUM
fsr-3531	262	13	)	)	PUNCT
fsr-3531	262	14	*	*	PUNCT
fsr-3531	263	1	*	*	PUNCT
fsr-3531	263	2	"	"	PUNCT
fsr-3531	263	3	0	0	NUM
fsr-3531	264	1	.0	.0	NUM
fsr-3531	264	2	0	0	NUM
fsr-3531	264	3	3	3	NUM
fsr-3531	264	4	(	(	PUNCT
fsr-3531	264	5	0	0	NUM
fsr-3531	264	6	.0	.0	NUM
fsr-3531	264	7	0	0	NUM
fsr-3531	264	8	2	2	NUM
fsr-3531	264	9	)	)	PUNCT
fsr-3531	264	10	*	*	PUNCT
fsr-3531	265	1	*	*	PUNCT
fsr-3531	265	2	"	"	PUNCT
fsr-3531	265	3	0	0	NUM
fsr-3531	266	1	.0	.0	NUM
fsr-3531	266	2	0	0	NUM
fsr-3531	266	3	1	1	NUM
fsr-3531	266	4	(	(	PUNCT
fsr-3531	266	5	0	0	NUM
fsr-3531	266	6	.0	.0	NUM
fsr-3531	266	7	0	0	NUM
fsr-3531	266	8	2	2	NUM
fsr-3531	266	9	)	)	PUNCT
fsr-3531	266	10	"	"	PUNCT
fsr-3531	266	11	0	0	NUM
fsr-3531	267	1	.0	.0	NUM
fsr-3531	267	2	0	0	NUM
fsr-3531	267	3	1	1	NUM
fsr-3531	267	4	(	(	PUNCT
fsr-3531	267	5	0	0	NUM
fsr-3531	267	6	.0	.0	NUM
fsr-3531	267	7	0	0	NUM
fsr-3531	267	8	2	2	NUM
fsr-3531	267	9	)	)	PUNCT
fsr-3531	267	10	in	in	ADP
fsr-3531	267	11	t	t	PROPN
fsr-3531	267	12	’	'	PUNCT
fsr-3531	267	13	l	l	NOUN
fsr-3531	267	14	st	st	PROPN
fsr-3531	267	15	u	u	PROPN
fsr-3531	267	16	d	d	PROPN
fsr-3531	267	17	en	en	X
fsr-3531	267	18	t	t	PROPN
fsr-3531	267	19	0	0	NUM
fsr-3531	267	20	.0	.0	NUM
fsr-3531	267	21	3	3	NUM
fsr-3531	267	22	5	5	NUM
fsr-3531	267	23	(	(	PUNCT
fsr-3531	267	24	0	0	NUM
fsr-3531	267	25	.0	.0	NUM
fsr-3531	267	26	2	2	NUM
fsr-3531	267	27	7	7	NUM
fsr-3531	267	28	)	)	PUNCT
fsr-3531	267	29	0	0	NUM
fsr-3531	268	1	.0	.0	NUM
fsr-3531	268	2	2	2	NUM
fsr-3531	268	3	9	9	NUM
fsr-3531	268	4	(	(	PUNCT
fsr-3531	268	5	0	0	NUM
fsr-3531	268	6	.0	.0	NUM
fsr-3531	268	7	2	2	NUM
fsr-3531	268	8	8	8	NUM
fsr-3531	268	9	)	)	PUNCT
fsr-3531	268	10	0	0	NUM
fsr-3531	268	11	.0	.0	NUM
fsr-3531	268	12	6	6	NUM
fsr-3531	268	13	5	5	NUM
fsr-3531	268	14	(	(	PUNCT
fsr-3531	268	15	0	0	NUM
fsr-3531	268	16	.0	.0	NUM
fsr-3531	268	17	3	3	NUM
fsr-3531	268	18	1	1	NUM
fsr-3531	268	19	)	)	PUNCT
fsr-3531	268	20	*	*	PUNCT
fsr-3531	269	1	*	*	PUNCT
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fsr-3531	269	3	.0	.0	NUM
fsr-3531	269	4	5	5	NUM
fsr-3531	269	5	9	9	NUM
fsr-3531	269	6	(	(	PUNCT
fsr-3531	269	7	0	0	NUM
fsr-3531	269	8	.0	.0	NUM
fsr-3531	269	9	3	3	NUM
fsr-3531	269	10	1	1	NUM
fsr-3531	269	11	)	)	PUNCT
fsr-3531	269	12	*	*	PUNCT
fsr-3531	269	13	0	0	NUM
fsr-3531	270	1	.0	.0	NUM
fsr-3531	270	2	4	4	NUM
fsr-3531	270	3	2	2	NUM
fsr-3531	270	4	(	(	PUNCT
fsr-3531	270	5	0	0	NUM
fsr-3531	270	6	.0	.0	NUM
fsr-3531	270	7	3	3	NUM
fsr-3531	270	8	1	1	NUM
fsr-3531	270	9	)	)	PUNCT
fsr-3531	270	10	m	m	VERB
fsr-3531	270	11	ai	ai	VERB
fsr-3531	270	12	n	n	PRON
fsr-3531	270	13	ca	can	AUX
fsr-3531	270	14	m	m	PROPN
fsr-3531	270	15	p	p	NOUN
fsr-3531	270	16	u	u	NOUN
fsr-3531	270	17	s	s	PART
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fsr-3531	270	19	.0	.0	NUM
fsr-3531	270	20	0	0	NUM
fsr-3531	270	21	8	8	NUM
fsr-3531	270	22	(	(	PUNCT
fsr-3531	270	23	0	0	NUM
fsr-3531	270	24	.0	.0	NUM
fsr-3531	270	25	2	2	NUM
fsr-3531	270	26	4	4	NUM
fsr-3531	270	27	)	)	PUNCT
fsr-3531	270	28	0	0	NUM
fsr-3531	271	1	.0	.0	NUM
fsr-3531	271	2	0	0	NUM
fsr-3531	271	3	3	3	NUM
fsr-3531	271	4	(	(	PUNCT
fsr-3531	271	5	0	0	NUM
fsr-3531	271	6	.0	.0	NUM
fsr-3531	271	7	2	2	NUM
fsr-3531	271	8	4	4	NUM
fsr-3531	271	9	)	)	PUNCT
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fsr-3531	272	1	.0	.0	NUM
fsr-3531	272	2	0	0	NUM
fsr-3531	272	3	9	9	NUM
fsr-3531	272	4	(	(	PUNCT
fsr-3531	272	5	0	0	NUM
fsr-3531	272	6	.0	.0	NUM
fsr-3531	272	7	2	2	NUM
fsr-3531	272	8	4	4	NUM
fsr-3531	272	9	)	)	PUNCT
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fsr-3531	273	1	.0	.0	NUM
fsr-3531	273	2	0	0	NUM
fsr-3531	273	3	5	5	NUM
fsr-3531	273	4	(	(	PUNCT
fsr-3531	273	5	0	0	NUM
fsr-3531	273	6	.0	.0	NUM
fsr-3531	273	7	2	2	NUM
fsr-3531	273	8	4	4	NUM
fsr-3531	273	9	)	)	PUNCT
fsr-3531	273	10	0	0	NUM
fsr-3531	274	1	.0	.0	NUM
fsr-3531	274	2	0	0	NUM
fsr-3531	274	3	4	4	NUM
fsr-3531	274	4	(	(	PUNCT
fsr-3531	274	5	0	0	NUM
fsr-3531	274	6	.0	.0	NUM
fsr-3531	274	7	2	2	NUM
fsr-3531	274	8	5	5	NUM
fsr-3531	274	9	)	)	PUNCT
fsr-3531	274	10	r	r	NOUN
fsr-3531	274	11	es	es	X
fsr-3531	274	12	ea	ea	PROPN
fsr-3531	274	13	rc	rc	PROPN
fsr-3531	274	14	h	h	PROPN
fsr-3531	274	15	/t	/t	PUNCT
fsr-3531	274	16	ea	ea	NUM
fsr-3531	274	17	ch	ch	NOUN
fsr-3531	274	18	in	in	ADP
fsr-3531	274	19	g	g	PROPN
fsr-3531	274	20	as	as	ADP
fsr-3531	274	21	st	st	PROPN
fsr-3531	274	22	"	"	PUNCT
fsr-3531	274	23	0	0	NUM
fsr-3531	275	1	.0	.0	NUM
fsr-3531	275	2	0	0	NUM
fsr-3531	275	3	1	1	NUM
fsr-3531	275	4	(	(	PUNCT
fsr-3531	275	5	0	0	NUM
fsr-3531	275	6	.0	.0	NUM
fsr-3531	275	7	2	2	NUM
fsr-3531	275	8	6	6	NUM
fsr-3531	275	9	)	)	PUNCT
fsr-3531	275	10	"	"	PUNCT
fsr-3531	275	11	0	0	NUM
fsr-3531	276	1	.0	.0	NUM
fsr-3531	276	2	0	0	NUM
fsr-3531	276	3	8	8	NUM
fsr-3531	276	4	(	(	PUNCT
fsr-3531	276	5	0	0	NUM
fsr-3531	276	6	.0	.0	NUM
fsr-3531	276	7	2	2	NUM
fsr-3531	276	8	6	6	NUM
fsr-3531	276	9	)	)	PUNCT
fsr-3531	276	10	"	"	PUNCT
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fsr-3531	277	1	.0	.0	NUM
fsr-3531	277	2	1	1	NUM
fsr-3531	277	3	0	0	NUM
fsr-3531	278	1	(	(	PUNCT
fsr-3531	278	2	0	0	NUM
fsr-3531	278	3	.0	.0	NUM
fsr-3531	278	4	2	2	NUM
fsr-3531	278	5	7	7	NUM
fsr-3531	278	6	)	)	PUNCT
fsr-3531	278	7	"	"	PUNCT
fsr-3531	278	8	0	0	NUM
fsr-3531	279	1	.0	.0	NUM
fsr-3531	279	2	1	1	NUM
fsr-3531	279	3	5	5	NUM
fsr-3531	279	4	(	(	PUNCT
fsr-3531	279	5	0	0	NUM
fsr-3531	279	6	.0	.0	NUM
fsr-3531	279	7	2	2	NUM
fsr-3531	279	8	7	7	NUM
fsr-3531	279	9	)	)	PUNCT
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fsr-3531	280	1	.0	.0	NUM
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fsr-3531	280	4	(	(	PUNCT
fsr-3531	280	5	0	0	NUM
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fsr-3531	280	7	2	2	NUM
fsr-3531	280	8	7	7	NUM
fsr-3531	280	9	)	)	PUNCT
fsr-3531	280	10	c	c	NOUN
fsr-3531	280	11	re	re	VERB
fsr-3531	281	1	d	d	NOUN
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fsr-3531	281	3	s	s	VERB
fsr-3531	281	4	"	"	PUNCT
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fsr-3531	282	2	0	0	NUM
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fsr-3531	282	4	(	(	PUNCT
fsr-3531	282	5	0	0	NUM
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fsr-3531	282	9	)	)	PUNCT
fsr-3531	282	10	*	*	PUNCT
fsr-3531	283	1	*	*	PUNCT
fsr-3531	283	2	"	"	PUNCT
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fsr-3531	284	2	0	0	NUM
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fsr-3531	284	5	0	0	NUM
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fsr-3531	284	7	0	0	NUM
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fsr-3531	284	9	)	)	PUNCT
fsr-3531	284	10	*	*	PUNCT
fsr-3531	285	1	*	*	PUNCT
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fsr-3531	286	4	(	(	PUNCT
fsr-3531	286	5	0	0	NUM
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fsr-3531	286	9	)	)	PUNCT
fsr-3531	286	10	*	*	PUNCT
fsr-3531	287	1	*	*	PUNCT
fsr-3531	287	2	"	"	PUNCT
fsr-3531	287	3	0	0	NUM
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fsr-3531	288	2	0	0	NUM
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fsr-3531	288	4	(	(	PUNCT
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fsr-3531	288	9	)	)	PUNCT
fsr-3531	288	10	*	*	PUNCT
fsr-3531	289	1	*	*	PUNCT
fsr-3531	289	2	"	"	PUNCT
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fsr-3531	290	4	(	(	PUNCT
fsr-3531	290	5	0	0	NUM
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fsr-3531	290	7	0	0	NUM
fsr-3531	290	8	3	3	NUM
fsr-3531	290	9	)	)	PUNCT
fsr-3531	290	10	*	*	PUNCT
fsr-3531	291	1	*	*	PUNCT
fsr-3531	291	2	s	s	X
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fsr-3531	291	4	e	e	X
fsr-3531	291	5	m	m	PROPN
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fsr-3531	291	8	4	4	NUM
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fsr-3531	291	10	(	(	PUNCT
fsr-3531	291	11	0	0	NUM
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fsr-3531	291	13	3	3	NUM
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fsr-3531	291	15	)	)	PUNCT
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fsr-3531	292	1	.0	.0	NUM
fsr-3531	292	2	4	4	NUM
fsr-3531	292	3	3	3	NUM
fsr-3531	292	4	(	(	PUNCT
fsr-3531	292	5	0	0	NUM
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fsr-3531	292	7	3	3	NUM
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fsr-3531	292	9	)	)	PUNCT
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fsr-3531	293	2	4	4	NUM
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fsr-3531	293	4	(	(	PUNCT
fsr-3531	293	5	0	0	NUM
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fsr-3531	293	7	3	3	NUM
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fsr-3531	293	9	)	)	PUNCT
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fsr-3531	295	1	3	3	NUM
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fsr-3531	295	3	(	(	PUNCT
fsr-3531	295	4	0	0	NUM
fsr-3531	295	5	.0	.0	NUM
fsr-3531	295	6	3	3	NUM
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fsr-3531	295	8	)	)	PUNCT
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fsr-3531	296	2	3	3	NUM
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fsr-3531	296	4	(	(	PUNCT
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fsr-3531	296	9	)	)	PUNCT
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fsr-3531	296	21	0	0	NUM
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fsr-3531	296	23	3	3	NUM
fsr-3531	296	24	8)	8)	NUM
fsr-3531	296	25	0	0	NUM
fsr-3531	296	26	.0	.0	NUM
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fsr-3531	296	34	)	)	PUNCT
fsr-3531	296	35	0	0	NUM
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fsr-3531	297	2	2	2	NUM
fsr-3531	297	3	3	3	NUM
fsr-3531	297	4	(	(	PUNCT
fsr-3531	297	5	0	0	NUM
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fsr-3531	297	7	3	3	NUM
fsr-3531	297	8	9	9	NUM
fsr-3531	297	9	)	)	PUNCT
fsr-3531	297	10	0	0	NUM
fsr-3531	298	1	.0	.0	NUM
fsr-3531	298	2	1	1	NUM
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fsr-3531	298	4	(	(	PUNCT
fsr-3531	298	5	0	0	NUM
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fsr-3531	298	7	3	3	NUM
fsr-3531	298	8	9	9	NUM
fsr-3531	298	9	)	)	PUNCT
fsr-3531	298	10	0	0	NUM
fsr-3531	299	1	.0	.0	NUM
fsr-3531	299	2	3	3	NUM
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fsr-3531	299	4	(	(	PUNCT
fsr-3531	299	5	0	0	NUM
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fsr-3531	299	9	)	)	PUNCT
fsr-3531	299	10	p	p	NOUN
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fsr-3531	300	7	(	(	PUNCT
fsr-3531	300	8	0	0	NUM
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fsr-3531	300	10	2	2	NUM
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fsr-3531	300	13	*	*	PUNCT
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fsr-3531	301	2	5	5	NUM
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fsr-3531	301	4	(	(	PUNCT
fsr-3531	301	5	0	0	NUM
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fsr-3531	301	9	)	)	PUNCT
fsr-3531	301	10	*	*	PUNCT
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fsr-3531	302	2	5	5	NUM
fsr-3531	302	3	5	5	NUM
fsr-3531	302	4	(	(	PUNCT
fsr-3531	302	5	0	0	NUM
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fsr-3531	302	8	9	9	NUM
fsr-3531	302	9	)	)	PUNCT
fsr-3531	302	10	*	*	PUNCT
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fsr-3531	303	1	.0	.0	NUM
fsr-3531	303	2	5	5	NUM
fsr-3531	303	3	1	1	NUM
fsr-3531	303	4	(	(	PUNCT
fsr-3531	303	5	0	0	NUM
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fsr-3531	303	7	2	2	NUM
fsr-3531	303	8	9	9	NUM
fsr-3531	303	9	)	)	PUNCT
fsr-3531	303	10	*	*	PUNCT
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fsr-3531	304	1	.0	.0	NUM
fsr-3531	304	2	5	5	NUM
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fsr-3531	304	4	(	(	PUNCT
fsr-3531	304	5	0	0	NUM
fsr-3531	304	6	.0	.0	NUM
fsr-3531	304	7	2	2	NUM
fsr-3531	304	8	9	9	NUM
fsr-3531	304	9	)	)	PUNCT
fsr-3531	304	10	*	*	PUNCT
fsr-3531	305	1	f	f	X
fsr-3531	305	2	in	in	ADP
fsr-3531	305	3	an	an	DET
fsr-3531	305	4	ci	ci	PROPN
fsr-3531	305	5	al	al	PROPN
fsr-3531	305	6	li	li	PROPN
fsr-3531	305	7	te	te	PROPN
fsr-3531	305	8	ra	ra	PROPN
fsr-3531	305	9	cy	cy	PROPN
fsr-3531	305	10	ch	ch	PROPN
fsr-3531	305	11	ar	ar	PROPN
fsr-3531	305	12	ac	ac	PROPN
fsr-3531	305	13	te	te	PROPN
fsr-3531	305	14	ri	ri	PROPN
fsr-3531	305	15	st	st	PROPN
fsr-3531	305	16	ic	ic	PROPN
fsr-3531	305	17	s	s	PROPN
fsr-3531	305	18	f	f	PROPN
fsr-3531	305	19	in	in	ADP
fsr-3531	305	20	an	an	DET
fsr-3531	305	21	ci	ci	PROPN
fsr-3531	305	22	al	al	PROPN
fsr-3531	305	23	li	li	PROPN
fsr-3531	305	24	te	te	PROPN
fsr-3531	305	25	ra	ra	PROPN
fsr-3531	305	26	cy	cy	INTJ
fsr-3531	305	27	0	0	NUM
fsr-3531	305	28	.0	.0	NUM
fsr-3531	305	29	4	4	NUM
fsr-3531	305	30	3	3	NUM
fsr-3531	305	31	(	(	PUNCT
fsr-3531	305	32	0	0	NUM
fsr-3531	305	33	.0	.0	NUM
fsr-3531	305	34	0	0	NUM
fsr-3531	305	35	4	4	NUM
fsr-3531	305	36	)	)	PUNCT
fsr-3531	305	37	*	*	PUNCT
fsr-3531	306	1	*	*	PUNCT
fsr-3531	306	2	*	*	PUNCT
fsr-3531	306	3	0	0	NUM
fsr-3531	307	1	.0	.0	NUM
fsr-3531	307	2	4	4	NUM
fsr-3531	307	3	3	3	NUM
fsr-3531	307	4	(	(	PUNCT
fsr-3531	307	5	0	0	NUM
fsr-3531	307	6	.0	.0	NUM
fsr-3531	307	7	0	0	NUM
fsr-3531	307	8	4	4	NUM
fsr-3531	307	9	)	)	PUNCT
fsr-3531	307	10	*	*	PUNCT
fsr-3531	308	1	*	*	PUNCT
fsr-3531	308	2	*	*	PUNCT
fsr-3531	308	3	0	0	NUM
fsr-3531	309	1	.0	.0	NUM
fsr-3531	309	2	4	4	NUM
fsr-3531	309	3	4	4	NUM
fsr-3531	309	4	(	(	PUNCT
fsr-3531	309	5	0	0	NUM
fsr-3531	309	6	.0	.0	NUM
fsr-3531	309	7	0	0	NUM
fsr-3531	309	8	4	4	NUM
fsr-3531	309	9	)	)	PUNCT
fsr-3531	309	10	*	*	PUNCT
fsr-3531	310	1	*	*	PUNCT
fsr-3531	310	2	*	*	PUNCT
fsr-3531	310	3	0	0	NUM
fsr-3531	311	1	.0	.0	NUM
fsr-3531	311	2	4	4	NUM
fsr-3531	311	3	4	4	NUM
fsr-3531	311	4	(	(	PUNCT
fsr-3531	311	5	0	0	NUM
fsr-3531	311	6	.0	.0	NUM
fsr-3531	311	7	0	0	NUM
fsr-3531	311	8	4	4	NUM
fsr-3531	311	9	)	)	PUNCT
fsr-3531	311	10	*	*	PUNCT
fsr-3531	312	1	*	*	PUNCT
fsr-3531	312	2	*	*	PUNCT
fsr-3531	312	3	s	s	PROPN
fsr-3531	312	4	el	el	PROPN
fsr-3531	312	5	fas	fas	PROPN
fsr-3531	312	6	se	se	PROPN
fsr-3531	312	7	ss	ss	PROPN
fsr-3531	313	1	ed	ed	PROPN
fsr-3531	313	2	fi	fi	PROPN
fsr-3531	313	3	n	n	CCONJ
fsr-3531	313	4	an	an	DET
fsr-3531	313	5	ci	ci	NOUN
fsr-3531	313	6	al	al	PROPN
fsr-3531	313	7	iq	iq	PROPN
fsr-3531	313	8	"	"	PUNCT
fsr-3531	313	9	0	0	NUM
fsr-3531	314	1	.0	.0	NUM
fsr-3531	314	2	5	5	NUM
fsr-3531	314	3	2	2	NUM
fsr-3531	314	4	(	(	PUNCT
fsr-3531	314	5	0	0	NUM
fsr-3531	314	6	.0	.0	NUM
fsr-3531	314	7	0	0	NUM
fsr-3531	314	8	8)	8)	NUM
fsr-3531	314	9	*	*	PUNCT
fsr-3531	315	1	*	*	PUNCT
fsr-3531	315	2	*	*	PUNCT
fsr-3531	315	3	"	"	PUNCT
fsr-3531	315	4	0	0	NUM
fsr-3531	316	1	.0	.0	NUM
fsr-3531	316	2	5	5	NUM
fsr-3531	316	3	1	1	NUM
fsr-3531	316	4	(	(	PUNCT
fsr-3531	316	5	0	0	NUM
fsr-3531	316	6	.0	.0	NUM
fsr-3531	316	7	0	0	NUM
fsr-3531	316	8	9	9	NUM
fsr-3531	316	9	)	)	PUNCT
fsr-3531	316	10	*	*	PUNCT
fsr-3531	317	1	*	*	PUNCT
fsr-3531	317	2	*	*	PUNCT
fsr-3531	317	3	"	"	PUNCT
fsr-3531	317	4	0	0	NUM
fsr-3531	317	5	.0	.0	NUM
fsr-3531	317	6	5	5	NUM
fsr-3531	317	7	0	0	NUM
fsr-3531	317	8	(	(	PUNCT
fsr-3531	317	9	0	0	NUM
fsr-3531	317	10	.0	.0	NUM
fsr-3531	317	11	0	0	NUM
fsr-3531	317	12	9	9	NUM
fsr-3531	317	13	)	)	PUNCT
fsr-3531	317	14	*	*	PUNCT
fsr-3531	318	1	*	*	PUNCT
fsr-3531	318	2	*	*	PUNCT
fsr-3531	318	3	"	"	PUNCT
fsr-3531	318	4	0	0	NUM
fsr-3531	318	5	.0	.0	NUM
fsr-3531	318	6	5	5	NUM
fsr-3531	318	7	0	0	NUM
fsr-3531	318	8	(	(	PUNCT
fsr-3531	318	9	0	0	NUM
fsr-3531	318	10	.0	.0	NUM
fsr-3531	318	11	0	0	NUM
fsr-3531	318	12	9	9	NUM
fsr-3531	318	13	)	)	PUNCT
fsr-3531	318	14	*	*	PUNCT
fsr-3531	319	1	*	*	PUNCT
fsr-3531	319	2	*	*	PUNCT
fsr-3531	319	3	r	r	X
fsr-3531	319	4	el	el	PROPN
fsr-3531	319	5	at	at	ADP
fsr-3531	319	6	iv	iv	NUM
fsr-3531	319	7	e	e	PROPN
fsr-3531	319	8	f	f	PROPN
fsr-3531	319	9	in	in	ADP
fsr-3531	319	10	iq	iq	PROPN
fsr-3531	319	11	0	0	NUM
fsr-3531	320	1	.8	.8	NUM
fsr-3531	320	2	5	5	NUM
fsr-3531	320	3	3	3	NUM
fsr-3531	320	4	(	(	PUNCT
fsr-3531	320	5	0	0	NUM
fsr-3531	320	6	.0	.0	NUM
fsr-3531	320	7	7	7	NUM
fsr-3531	320	8	2	2	NUM
fsr-3531	320	9	)	)	PUNCT
fsr-3531	320	10	*	*	PUNCT
fsr-3531	321	1	*	*	PUNCT
fsr-3531	322	1	*	*	PUNCT
fsr-3531	322	2	p	p	X
fsr-3531	322	3	er	er	INTJ
fsr-3531	322	4	so	so	ADV
fsr-3531	322	5	n	n	ADV
fsr-3531	322	6	al	al	PROPN
fsr-3531	322	7	fi	fi	PROPN
fsr-3531	322	8	na	na	ADP
fsr-3531	322	9	n	n	ADV
fsr-3531	322	10	ce	ce	PROPN
fsr-3531	322	11	co	co	PROPN
fsr-3531	322	12	n	n	PROPN
fsr-3531	322	13	ce	ce	PROPN
fsr-3531	322	14	rn	rn	PROPN
fsr-3531	322	15	0	0	PROPN
fsr-3531	323	1	.4	.4	NUM
fsr-3531	323	2	5	5	NUM
fsr-3531	323	3	8	8	NUM
fsr-3531	323	4	(	(	PUNCT
fsr-3531	323	5	0	0	NUM
fsr-3531	323	6	.0	.0	NUM
fsr-3531	323	7	5	5	NUM
fsr-3531	323	8	5	5	NUM
fsr-3531	323	9	)	)	PUNCT
fsr-3531	323	10	*	*	PUNCT
fsr-3531	324	1	*	*	PUNCT
fsr-3531	325	1	*	*	PUNCT
fsr-3531	325	2	0	0	NUM
fsr-3531	326	1	.4	.4	NUM
fsr-3531	326	2	6	6	NUM
fsr-3531	326	3	1	1	NUM
fsr-3531	326	4	(	(	PUNCT
fsr-3531	326	5	0	0	NUM
fsr-3531	326	6	.0	.0	NUM
fsr-3531	326	7	5	5	NUM
fsr-3531	326	8	5	5	NUM
fsr-3531	326	9	)	)	PUNCT
fsr-3531	326	10	*	*	PUNCT
fsr-3531	327	1	*	*	PUNCT
fsr-3531	328	1	*	*	PUNCT
fsr-3531	328	2	0	0	NUM
fsr-3531	329	1	.4	.4	NUM
fsr-3531	329	2	5	5	NUM
fsr-3531	329	3	2	2	NUM
fsr-3531	329	4	(	(	PUNCT
fsr-3531	329	5	0	0	NUM
fsr-3531	329	6	.0	.0	NUM
fsr-3531	329	7	5	5	NUM
fsr-3531	329	8	5	5	NUM
fsr-3531	329	9	)	)	PUNCT
fsr-3531	329	10	*	*	PUNCT
fsr-3531	330	1	*	*	PUNCT
fsr-3531	331	1	*	*	PUNCT
fsr-3531	331	2	0	0	NUM
fsr-3531	332	1	.4	.4	NUM
fsr-3531	332	2	3	3	NUM
fsr-3531	332	3	1	1	NUM
fsr-3531	332	4	(	(	PUNCT
fsr-3531	332	5	0	0	NUM
fsr-3531	332	6	.0	.0	NUM
fsr-3531	332	7	5	5	NUM
fsr-3531	332	8	6	6	NUM
fsr-3531	332	9	)	)	PUNCT
fsr-3531	332	10	*	*	PUNCT
fsr-3531	333	1	*	*	PUNCT
fsr-3531	334	1	*	*	PUNCT
fsr-3531	334	2	0	0	NUM
fsr-3531	334	3	.4	.4	NUM
fsr-3531	334	4	2	2	NUM
fsr-3531	334	5	6	6	NUM
fsr-3531	334	6	(	(	PUNCT
fsr-3531	334	7	0	0	NUM
fsr-3531	334	8	.0	.0	NUM
fsr-3531	334	9	5	5	NUM
fsr-3531	334	10	6	6	NUM
fsr-3531	334	11	)	)	PUNCT
fsr-3531	334	12	*	*	PUNCT
fsr-3531	335	1	*	*	PUNCT
fsr-3531	335	2	*	*	PUNCT
fsr-3531	335	3	b	b	X
fsr-3531	335	4	an	an	DET
fsr-3531	335	5	k	k	NOUN
fsr-3531	335	6	in	in	ADP
fsr-3531	335	7	g	g	PROPN
fsr-3531	335	8	,	,	PUNCT
fsr-3531	335	9	as	as	ADV
fsr-3531	335	10	se	se	ADV
fsr-3531	335	11	ts	ts	X
fsr-3531	335	12	,	,	PUNCT
fsr-3531	335	13	in	in	ADP
fsr-3531	335	14	su	su	PROPN
fsr-3531	335	15	ra	ra	PROPN
fsr-3531	335	16	n	n	PROPN
fsr-3531	335	17	ce	ce	PROPN
fsr-3531	335	18	in	in	ADP
fsr-3531	335	19	v	v	NUM
fsr-3531	335	20	es	es	ADP
fsr-3531	335	21	tm	tm	PROPN
fsr-3531	335	22	en	en	ADP
fsr-3531	335	23	t	t	PROPN
fsr-3531	335	24	o	o	NOUN
fsr-3531	335	25	r	r	NOUN
fsr-3531	335	26	re	re	X
fsr-3531	335	27	ti	ti	X
fsr-3531	335	28	re	re	VERB
fsr-3531	335	29	m	m	PROPN
fsr-3531	335	30	en	en	ADP
fsr-3531	335	31	t	t	PROPN
fsr-3531	335	32	"	"	PUNCT
fsr-3531	335	33	0	0	NUM
fsr-3531	336	1	.0	.0	NUM
fsr-3531	336	2	1	1	NUM
fsr-3531	336	3	9	9	NUM
fsr-3531	336	4	(	(	PUNCT
fsr-3531	336	5	0	0	NUM
fsr-3531	336	6	.0	.0	NUM
fsr-3531	336	7	2	2	NUM
fsr-3531	336	8	6	6	NUM
fsr-3531	336	9	)	)	PUNCT
fsr-3531	336	10	"	"	PUNCT
fsr-3531	336	11	0	0	NUM
fsr-3531	337	1	.0	.0	NUM
fsr-3531	337	2	1	1	NUM
fsr-3531	337	3	5	5	NUM
fsr-3531	337	4	(	(	PUNCT
fsr-3531	337	5	0	0	NUM
fsr-3531	337	6	.0	.0	NUM
fsr-3531	337	7	2	2	NUM
fsr-3531	337	8	6	6	NUM
fsr-3531	337	9	)	)	PUNCT
fsr-3531	337	10	"	"	PUNCT
fsr-3531	337	11	0	0	NUM
fsr-3531	338	1	.0	.0	NUM
fsr-3531	338	2	0	0	NUM
fsr-3531	338	3	5	5	NUM
fsr-3531	338	4	(	(	PUNCT
fsr-3531	338	5	0	0	NUM
fsr-3531	338	6	.0	.0	NUM
fsr-3531	338	7	2	2	NUM
fsr-3531	338	8	7	7	NUM
fsr-3531	338	9	)	)	PUNCT
fsr-3531	338	10	0	0	NUM
fsr-3531	339	1	.0	.0	NUM
fsr-3531	339	2	1	1	NUM
fsr-3531	339	3	0	0	NUM
fsr-3531	340	1	(	(	PUNCT
fsr-3531	340	2	0	0	NUM
fsr-3531	340	3	.0	.0	NUM
fsr-3531	340	4	2	2	NUM
fsr-3531	340	5	6	6	NUM
fsr-3531	340	6	)	)	PUNCT
fsr-3531	340	7	s	s	VERB
fsr-3531	340	8	av	av	NOUN
fsr-3531	340	9	in	in	ADP
fsr-3531	340	10	g	g	PROPN
fsr-3531	340	11	s	s	PART
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fsr-3531	340	14	u	u	PROPN
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fsr-3531	340	18	.0	.0	NUM
fsr-3531	340	19	2	2	NUM
fsr-3531	340	20	5	5	NUM
fsr-3531	340	21	(	(	PUNCT
fsr-3531	340	22	0	0	NUM
fsr-3531	340	23	.0	.0	NUM
fsr-3531	340	24	2	2	NUM
fsr-3531	340	25	9	9	NUM
fsr-3531	340	26	)	)	PUNCT
fsr-3531	340	27	0	0	NUM
fsr-3531	341	1	.0	.0	NUM
fsr-3531	341	2	2	2	NUM
fsr-3531	341	3	8	8	NUM
fsr-3531	341	4	(	(	PUNCT
fsr-3531	341	5	0	0	NUM
fsr-3531	341	6	.0	.0	NUM
fsr-3531	341	7	2	2	NUM
fsr-3531	341	8	9	9	NUM
fsr-3531	341	9	)	)	PUNCT
fsr-3531	341	10	0	0	NUM
fsr-3531	342	1	.0	.0	NUM
fsr-3531	342	2	2	2	NUM
fsr-3531	342	3	8	8	NUM
fsr-3531	342	4	(	(	PUNCT
fsr-3531	342	5	0	0	NUM
fsr-3531	342	6	.0	.0	NUM
fsr-3531	342	7	2	2	NUM
fsr-3531	342	8	8	8	NUM
fsr-3531	342	9	)	)	PUNCT
fsr-3531	342	10	0	0	NUM
fsr-3531	342	11	.0	.0	NUM
fsr-3531	342	12	3	3	NUM
fsr-3531	342	13	6	6	NUM
fsr-3531	342	14	(	(	PUNCT
fsr-3531	342	15	0	0	NUM
fsr-3531	342	16	.0	.0	NUM
fsr-3531	342	17	2	2	NUM
fsr-3531	342	18	8)	8)	NUM
fsr-3531	342	19	l	l	NOUN
fsr-3531	342	20	if	if	SCONJ
fsr-3531	342	21	e	e	PROPN
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fsr-3531	342	24	ra	ra	PROPN
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fsr-3531	342	27	"	"	PUNCT
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fsr-3531	343	2	2	2	NUM
fsr-3531	343	3	7	7	NUM
fsr-3531	343	4	(	(	PUNCT
fsr-3531	343	5	0	0	NUM
fsr-3531	343	6	.0	.0	NUM
fsr-3531	343	7	2	2	NUM
fsr-3531	343	8	5	5	NUM
fsr-3531	343	9	)	)	PUNCT
fsr-3531	343	10	"	"	PUNCT
fsr-3531	343	11	0	0	NUM
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fsr-3531	344	2	3	3	NUM
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fsr-3531	344	4	(	(	PUNCT
fsr-3531	344	5	0	0	NUM
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fsr-3531	344	7	2	2	NUM
fsr-3531	344	8	5	5	NUM
fsr-3531	344	9	)	)	PUNCT
fsr-3531	344	10	"	"	PUNCT
fsr-3531	344	11	0	0	NUM
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fsr-3531	345	2	1	1	NUM
fsr-3531	345	3	9	9	NUM
fsr-3531	345	4	(	(	PUNCT
fsr-3531	345	5	0	0	NUM
fsr-3531	345	6	.0	.0	NUM
fsr-3531	345	7	2	2	NUM
fsr-3531	345	8	5	5	NUM
fsr-3531	345	9	)	)	PUNCT
fsr-3531	345	10	"	"	PUNCT
fsr-3531	345	11	0	0	NUM
fsr-3531	346	1	.0	.0	NUM
fsr-3531	346	2	1	1	NUM
fsr-3531	346	3	8	8	NUM
fsr-3531	346	4	(	(	PUNCT
fsr-3531	346	5	0	0	NUM
fsr-3531	346	6	.0	.0	NUM
fsr-3531	346	7	2	2	NUM
fsr-3531	346	8	5	5	NUM
fsr-3531	346	9	)	)	PUNCT
fsr-3531	346	10	d	d	NOUN
fsr-3531	346	11	eb	eb	PROPN
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fsr-3531	346	14	tu	tu	PROPN
fsr-3531	346	15	d	d	PROPN
fsr-3531	346	16	en	en	PROPN
fsr-3531	346	17	t	t	PROPN
fsr-3531	346	18	d	d	X
fsr-3531	346	19	eb	eb	PROPN
fsr-3531	346	20	t	t	PROPN
fsr-3531	346	21	(	(	PUNCT
fsr-3531	346	22	u	u	NOUN
fsr-3531	346	23	n	n	PROPN
fsr-3531	347	1	d	d	NOUN
fsr-3531	348	1	er	er	INTJ
fsr-3531	348	2	g	g	NOUN
fsr-3531	348	3	ra	ra	PROPN
fsr-3531	349	1	d	d	X
fsr-3531	349	2	o	o	X
fsr-3531	349	3	n	n	X
fsr-3531	349	4	ly	ly	X
fsr-3531	349	5	)	)	PUNCT
fsr-3531	349	6	0	0	NUM
fsr-3531	350	1	.1	.1	NUM
fsr-3531	350	2	0	0	NUM
fsr-3531	350	3	8	8	NUM
fsr-3531	350	4	(	(	PUNCT
fsr-3531	350	5	0	0	NUM
fsr-3531	350	6	.0	.0	NUM
fsr-3531	350	7	3	3	NUM
fsr-3531	350	8	8)	8)	NUM
fsr-3531	350	9	*	*	PUNCT
fsr-3531	351	1	*	*	PUNCT
fsr-3531	351	2	*	*	PUNCT
fsr-3531	351	3	0	0	NUM
fsr-3531	351	4	.1	.1	NUM
fsr-3531	351	5	0	0	NUM
fsr-3531	351	6	1	1	NUM
fsr-3531	351	7	(	(	PUNCT
fsr-3531	351	8	0	0	NUM
fsr-3531	351	9	.0	.0	NUM
fsr-3531	351	10	3	3	NUM
fsr-3531	351	11	8	8	NUM
fsr-3531	351	12	)	)	PUNCT
fsr-3531	351	13	*	*	PUNCT
fsr-3531	352	1	*	*	PUNCT
fsr-3531	353	1	*	*	PUNCT
fsr-3531	353	2	0	0	NUM
fsr-3531	353	3	.0	.0	NUM
fsr-3531	353	4	9	9	NUM
fsr-3531	353	5	9	9	NUM
fsr-3531	353	6	(	(	PUNCT
fsr-3531	353	7	0	0	NUM
fsr-3531	353	8	.0	.0	NUM
fsr-3531	353	9	3	3	NUM
fsr-3531	353	10	8)	8)	NUM
fsr-3531	353	11	*	*	PUNCT
fsr-3531	354	1	*	*	PUNCT
fsr-3531	354	2	*	*	PUNCT
fsr-3531	354	3	s	s	X
fsr-3531	354	4	tu	tu	X
fsr-3531	354	5	d	d	PROPN
fsr-3531	354	6	en	en	PROPN
fsr-3531	354	7	t	t	PROPN
fsr-3531	354	8	d	d	X
fsr-3531	354	9	eb	eb	PROPN
fsr-3531	354	10	t	t	PROPN
fsr-3531	354	11	(	(	PUNCT
fsr-3531	354	12	g	g	PROPN
fsr-3531	354	13	ra	ra	PROPN
fsr-3531	355	1	d	d	X
fsr-3531	355	2	o	o	X
fsr-3531	355	3	n	n	X
fsr-3531	355	4	ly	ly	X
fsr-3531	355	5	)	)	PUNCT
fsr-3531	355	6	0	0	NUM
fsr-3531	356	1	.0	.0	NUM
fsr-3531	356	2	2	2	NUM
fsr-3531	356	3	7	7	NUM
fsr-3531	356	4	(	(	PUNCT
fsr-3531	356	5	0	0	NUM
fsr-3531	356	6	.0	.0	NUM
fsr-3531	356	7	3	3	NUM
fsr-3531	356	8	0	0	NUM
fsr-3531	356	9	)	)	PUNCT
fsr-3531	356	10	0	0	NUM
fsr-3531	357	1	.0	.0	NUM
fsr-3531	357	2	1	1	NUM
fsr-3531	357	3	9	9	NUM
fsr-3531	357	4	(	(	PUNCT
fsr-3531	357	5	0	0	NUM
fsr-3531	357	6	.0	.0	NUM
fsr-3531	357	7	3	3	NUM
fsr-3531	357	8	0	0	NUM
fsr-3531	357	9	)	)	PUNCT
fsr-3531	357	10	0	0	NUM
fsr-3531	358	1	.0	.0	NUM
fsr-3531	358	2	1	1	NUM
fsr-3531	358	3	6	6	NUM
fsr-3531	358	4	(	(	PUNCT
fsr-3531	358	5	0	0	NUM
fsr-3531	358	6	.0	.0	NUM
fsr-3531	358	7	3	3	NUM
fsr-3531	358	8	0	0	NUM
fsr-3531	358	9	)	)	PUNCT
fsr-3531	358	10	b	b	NOUN
fsr-3531	358	11	o	o	X
fsr-3531	358	12	th	th	X
fsr-3531	358	13	u	u	NOUN
fsr-3531	358	14	n	n	PROPN
fsr-3531	359	1	d	d	NOUN
fsr-3531	360	1	er	er	INTJ
fsr-3531	360	2	g	g	PROPN
fsr-3531	360	3	ra	ra	PROPN
fsr-3531	361	1	d	d	NOUN
fsr-3531	361	2	an	an	PRON
fsr-3531	361	3	d	d	X
fsr-3531	361	4	g	g	PROPN
fsr-3531	361	5	ra	ra	PROPN
fsr-3531	362	1	d	d	PROPN
fsr-3531	362	2	d	d	X
fsr-3531	362	3	eb	eb	PROPN
fsr-3531	362	4	t	t	PROPN
fsr-3531	362	5	0	0	NUM
fsr-3531	362	6	.0	.0	NUM
fsr-3531	362	7	6	6	NUM
fsr-3531	362	8	0	0	NUM
fsr-3531	362	9	(	(	PUNCT
fsr-3531	362	10	0	0	NUM
fsr-3531	362	11	.0	.0	NUM
fsr-3531	362	12	2	2	NUM
fsr-3531	362	13	9	9	NUM
fsr-3531	362	14	)	)	PUNCT
fsr-3531	362	15	*	*	PUNCT
fsr-3531	363	1	*	*	PUNCT
fsr-3531	363	2	0	0	NUM
fsr-3531	364	1	.0	.0	NUM
fsr-3531	364	2	5	5	NUM
fsr-3531	364	3	1	1	NUM
fsr-3531	364	4	(	(	PUNCT
fsr-3531	364	5	0	0	NUM
fsr-3531	364	6	.0	.0	NUM
fsr-3531	364	7	2	2	NUM
fsr-3531	364	8	9	9	NUM
fsr-3531	364	9	)	)	PUNCT
fsr-3531	364	10	*	*	PUNCT
fsr-3531	364	11	0	0	NUM
fsr-3531	365	1	.0	.0	NUM
fsr-3531	365	2	4	4	NUM
fsr-3531	365	3	3	3	NUM
fsr-3531	365	4	(	(	PUNCT
fsr-3531	365	5	0	0	NUM
fsr-3531	365	6	.0	.0	NUM
fsr-3531	365	7	2	2	NUM
fsr-3531	365	8	9	9	NUM
fsr-3531	365	9	)	)	PUNCT
fsr-3531	365	10	c	c	NOUN
fsr-3531	365	11	re	re	VERB
fsr-3531	366	1	d	d	NOUN
fsr-3531	366	2	it	it	PRON
fsr-3531	366	3	c	c	PROPN
fsr-3531	366	4	ar	ar	PROPN
fsr-3531	366	5	d	d	NOUN
fsr-3531	366	6	"	"	PUNCT
fsr-3531	366	7	0	0	NUM
fsr-3531	366	8	.0	.0	NUM
fsr-3531	366	9	5	5	NUM
fsr-3531	366	10	1	1	NUM
fsr-3531	366	11	(	(	PUNCT
fsr-3531	366	12	0	0	NUM
fsr-3531	366	13	.0	.0	NUM
fsr-3531	366	14	6	6	NUM
fsr-3531	366	15	3	3	NUM
fsr-3531	366	16	)	)	PUNCT
fsr-3531	366	17	"	"	PUNCT
fsr-3531	366	18	0	0	NUM
fsr-3531	367	1	.0	.0	NUM
fsr-3531	367	2	5	5	NUM
fsr-3531	367	3	9	9	NUM
fsr-3531	367	4	(	(	PUNCT
fsr-3531	367	5	0	0	NUM
fsr-3531	367	6	.0	.0	NUM
fsr-3531	367	7	6	6	NUM
fsr-3531	367	8	3	3	NUM
fsr-3531	367	9	)	)	PUNCT
fsr-3531	367	10	"	"	PUNCT
fsr-3531	367	11	0	0	NUM
fsr-3531	368	1	.0	.0	NUM
fsr-3531	368	2	5	5	NUM
fsr-3531	368	3	0	0	NUM
fsr-3531	368	4	(	(	PUNCT
fsr-3531	368	5	0	0	NUM
fsr-3531	368	6	.0	.0	NUM
fsr-3531	368	7	6	6	NUM
fsr-3531	368	8	3	3	NUM
fsr-3531	368	9	)	)	PUNCT
fsr-3531	368	10	a	a	DET
fsr-3531	368	11	u	u	NOUN
fsr-3531	368	12	to	to	ADP
fsr-3531	368	13	0	0	NUM
fsr-3531	368	14	.0	.0	NUM
fsr-3531	368	15	3	3	NUM
fsr-3531	368	16	2	2	NUM
fsr-3531	368	17	(	(	PUNCT
fsr-3531	368	18	0	0	NUM
fsr-3531	368	19	.0	.0	NUM
fsr-3531	368	20	2	2	NUM
fsr-3531	368	21	7	7	NUM
fsr-3531	368	22	)	)	PUNCT
fsr-3531	368	23	0	0	NUM
fsr-3531	368	24	.0	.0	NUM
fsr-3531	368	25	4	4	NUM
fsr-3531	368	26	2	2	NUM
fsr-3531	368	27	(	(	PUNCT
fsr-3531	368	28	0	0	NUM
fsr-3531	368	29	.0	.0	NUM
fsr-3531	368	30	2	2	NUM
fsr-3531	368	31	7	7	NUM
fsr-3531	368	32	)	)	PUNCT
fsr-3531	368	33	0	0	NUM
fsr-3531	369	1	.0	.0	NUM
fsr-3531	369	2	4	4	NUM
fsr-3531	369	3	1	1	NUM
fsr-3531	369	4	(	(	PUNCT
fsr-3531	369	5	0	0	NUM
fsr-3531	369	6	.0	.0	NUM
fsr-3531	369	7	2	2	NUM
fsr-3531	369	8	7	7	NUM
fsr-3531	369	9	)	)	PUNCT
fsr-3531	369	10	h	h	NOUN
fsr-3531	370	1	o	o	NOUN
fsr-3531	370	2	m	m	VERB
fsr-3531	370	3	e	e	NOUN
fsr-3531	370	4	o	o	X
fsr-3531	370	5	w	w	NOUN
fsr-3531	370	6	n	n	INTJ
fsr-3531	370	7	er	er	INTJ
fsr-3531	370	8	sh	sh	INTJ
fsr-3531	370	9	ip	ip	NOUN
fsr-3531	370	10	o	o	NOUN
fsr-3531	370	11	w	w	NOUN
fsr-3531	370	12	n	n	ADJ
fsr-3531	370	13	h	h	NOUN
fsr-3531	371	1	o	o	NOUN
fsr-3531	371	2	m	m	VERB
fsr-3531	371	3	e	e	X
fsr-3531	371	4	"	"	PUNCT
fsr-3531	371	5	0	0	NUM
fsr-3531	371	6	.0	.0	NUM
fsr-3531	371	7	6	6	NUM
fsr-3531	371	8	8	8	NUM
fsr-3531	371	9	(	(	PUNCT
fsr-3531	371	10	0	0	NUM
fsr-3531	371	11	.0	.0	NUM
fsr-3531	371	12	3	3	NUM
fsr-3531	371	13	7	7	NUM
fsr-3531	371	14	)	)	PUNCT
fsr-3531	371	15	*	*	PUNCT
fsr-3531	371	16	"	"	PUNCT
fsr-3531	371	17	0	0	NUM
fsr-3531	372	1	.0	.0	NUM
fsr-3531	372	2	5	5	NUM
fsr-3531	372	3	7	7	NUM
fsr-3531	372	4	(	(	PUNCT
fsr-3531	372	5	0	0	NUM
fsr-3531	372	6	.0	.0	NUM
fsr-3531	372	7	3	3	NUM
fsr-3531	372	8	7	7	NUM
fsr-3531	372	9	)	)	PUNCT
fsr-3531	372	10	p	p	NOUN
fsr-3531	372	11	la	la	X
fsr-3531	372	12	n	n	NOUN
fsr-3531	372	13	to	to	ADP
fsr-3531	372	14	p	p	X
fsr-3531	372	15	u	u	PROPN
fsr-3531	372	16	rc	rc	PROPN
fsr-3531	372	17	h	h	NOUN
fsr-3531	372	18	as	as	ADP
fsr-3531	372	19	e	e	X
fsr-3531	372	20	h	h	NOUN
fsr-3531	373	1	o	o	NOUN
fsr-3531	373	2	m	m	VERB
fsr-3531	373	3	e	e	X
fsr-3531	373	4	0	0	NUM
fsr-3531	373	5	.0	.0	NUM
fsr-3531	373	6	5	5	NUM
fsr-3531	373	7	3	3	NUM
fsr-3531	373	8	(	(	PUNCT
fsr-3531	373	9	0	0	NUM
fsr-3531	373	10	.0	.0	NUM
fsr-3531	373	11	2	2	NUM
fsr-3531	373	12	7	7	NUM
fsr-3531	373	13	)	)	PUNCT
fsr-3531	374	1	*	*	PUNCT
fsr-3531	375	1	*	*	PUNCT
fsr-3531	375	2	0	0	NUM
fsr-3531	376	1	.0	.0	NUM
fsr-3531	376	2	6	6	NUM
fsr-3531	376	3	1	1	NUM
fsr-3531	376	4	(	(	PUNCT
fsr-3531	376	5	0	0	NUM
fsr-3531	376	6	.0	.0	NUM
fsr-3531	376	7	2	2	NUM
fsr-3531	376	8	7	7	NUM
fsr-3531	376	9	)	)	PUNCT
fsr-3531	376	10	*	*	PUNCT
fsr-3531	377	1	*	*	PUNCT
fsr-3531	377	2	o	o	X
fsr-3531	377	3	b	b	X
fsr-3531	377	4	se	se	PROPN
fsr-3531	377	5	rv	rv	PROPN
fsr-3531	377	6	at	at	ADP
fsr-3531	377	7	io	io	PROPN
fsr-3531	377	8	n	n	PROPN
fsr-3531	377	9	s	s	PROPN
fsr-3531	377	10	2	2	NUM
fsr-3531	377	11	,	,	PUNCT
fsr-3531	377	12	0	0	NUM
fsr-3531	377	13	9	9	NUM
fsr-3531	377	14	8	8	NUM
fsr-3531	377	15	2	2	NUM
fsr-3531	377	16	,	,	PUNCT
fsr-3531	377	17	0	0	NUM
fsr-3531	377	18	9	9	NUM
fsr-3531	377	19	8	8	NUM
fsr-3531	377	20	2	2	NUM
fsr-3531	377	21	,	,	PUNCT
fsr-3531	377	22	0	0	NUM
fsr-3531	377	23	9	9	NUM
fsr-3531	377	24	8	8	NUM
fsr-3531	377	25	2	2	NUM
fsr-3531	377	26	,	,	PUNCT
fsr-3531	377	27	0	0	NUM
fsr-3531	377	28	9	9	NUM
fsr-3531	377	29	8	8	NUM
fsr-3531	377	30	2	2	NUM
fsr-3531	377	31	,	,	PUNCT
fsr-3531	377	32	0	0	NUM
fsr-3531	378	1	9	9	NUM
fsr-3531	378	2	8	8	NUM
fsr-3531	378	3	n	n	NUM
fsr-3531	378	4	o	o	NOUN
fsr-3531	378	5	te	te	X
fsr-3531	378	6	.	.	PUNCT
fsr-3531	379	1	p	p	X
fsr-3531	380	1	ro	ro	INTJ
fsr-3531	380	2	b	b	X
fsr-3531	381	1	it	it	PRON
fsr-3531	381	2	w	w	INTJ
fsr-3531	381	3	it	it	PRON
fsr-3531	381	4	h	h	NOUN
fsr-3531	382	1	m	m	PROPN
fsr-3531	382	2	ar	ar	PROPN
fsr-3531	382	3	g	g	PROPN
fsr-3531	382	4	in	in	ADP
fsr-3531	382	5	al	al	PROPN
fsr-3531	382	6	ef	ef	PROPN
fsr-3531	382	7	fe	fe	X
fsr-3531	383	1	ct	ct	PROPN
fsr-3531	383	2	s	s	PROPN
fsr-3531	383	3	sh	sh	NOUN
fsr-3531	383	4	o	o	NOUN
fsr-3531	383	5	w	w	NOUN
fsr-3531	383	6	n	n	PROPN
fsr-3531	383	7	.	.	PUNCT
fsr-3531	384	1	s	s	VERB
fsr-3531	384	2	ta	ta	PROPN
fsr-3531	384	3	n	n	PROPN
fsr-3531	384	4	d	d	PROPN
fsr-3531	384	5	ar	ar	PROPN
fsr-3531	385	1	d	d	PROPN
fsr-3531	385	2	er	er	INTJ
fsr-3531	385	3	ro	ro	INTJ
fsr-3531	385	4	rs	rs	INTJ
fsr-3531	386	1	sh	sh	INTJ
fsr-3531	386	2	o	o	NOUN
fsr-3531	386	3	w	w	NOUN
fsr-3531	386	4	n	n	PROPN
fsr-3531	386	5	in	in	ADP
fsr-3531	386	6	p	p	PROPN
fsr-3531	386	7	ar	ar	PROPN
fsr-3531	386	8	en	en	ADP
fsr-3531	386	9	th	th	X
fsr-3531	386	10	es	es	NOUN
fsr-3531	386	11	is	be	AUX
fsr-3531	386	12	.	.	PUNCT
fsr-3531	387	1	*	*	PUNCT
fsr-3531	387	2	,	,	PUNCT
fsr-3531	387	3	*	*	PUNCT
fsr-3531	387	4	*	*	PUNCT
fsr-3531	387	5	,	,	PUNCT
fsr-3531	387	6	*	*	PUNCT
fsr-3531	388	1	*	*	PUNCT
fsr-3531	388	2	*	*	PUNCT
fsr-3531	388	3	in	in	ADP
fsr-3531	388	4	d	d	X
fsr-3531	388	5	ic	ic	PROPN
fsr-3531	388	6	at	at	ADP
fsr-3531	388	7	es	es	X
fsr-3531	388	8	si	si	PROPN
fsr-3531	388	9	g	g	PROPN
fsr-3531	388	10	n	n	PROPN
fsr-3531	388	11	ifi	ifi	PROPN
fsr-3531	388	12	ca	ca	PROPN
fsr-3531	388	13	n	n	ADV
fsr-3531	388	14	ce	ce	PROPN
fsr-3531	388	15	at	at	ADP
fsr-3531	388	16	th	th	X
fsr-3531	388	17	e	e	X
fsr-3531	388	18	1	1	NUM
fsr-3531	388	19	0	0	NUM
fsr-3531	388	20	%	%	NOUN
fsr-3531	388	21	,	,	PUNCT
fsr-3531	388	22	5	5	NUM
fsr-3531	388	23	%	%	NOUN
fsr-3531	388	24	,	,	PUNCT
fsr-3531	389	1	o	o	NOUN
fsr-3531	389	2	r	r	NOUN
fsr-3531	389	3	1	1	NUM
fsr-3531	389	4	%	%	NOUN
fsr-3531	389	5	le	le	X
fsr-3531	389	6	v	v	PROPN
fsr-3531	389	7	el	el	PROPN
fsr-3531	389	8	.	.	PUNCT
fsr-3531	390	1	b.	b.	PROPN
fsr-3531	390	2	j.	j.	PROPN
fsr-3531	390	3	davis	davis	PROPN
fsr-3531	390	4	et	et	PROPN
fsr-3531	390	5	al	al	PROPN
fsr-3531	390	6	.	.	PUNCT
fsr-3531	390	7	/	/	SYM
fsr-3531	390	8	financial	financial	ADJ
fsr-3531	390	9	services	service	NOUN
fsr-3531	390	10	review	review	VERB
fsr-3531	390	11	31	31	NUM
fsr-3531	390	12	(	(	PUNCT
fsr-3531	390	13	2023	2023	NUM
fsr-3531	390	14	)	)	PUNCT
fsr-3531	390	15	133–150	133–150	NUM
fsr-3531	390	16	145	145	NUM
fsr-3531	390	17	home	home	NOUN
fsr-3531	390	18	ownership	ownership	NOUN
fsr-3531	390	19	characteristics	characteristic	NOUN
fsr-3531	390	20	,	,	PUNCT
fsr-3531	390	21	and	and	CCONJ
fsr-3531	390	22	model	model	NOUN
fsr-3531	390	23	5	5	NUM
fsr-3531	390	24	uses	use	VERB
fsr-3531	390	25	the	the	DET
fsr-3531	390	26	relative	relative	ADJ
fsr-3531	390	27	finiq	finiq	ADJ
fsr-3531	390	28	measure	measure	NOUN
fsr-3531	390	29	on	on	ADP
fsr-3531	390	30	the	the	DET
fsr-3531	390	31	full	full	ADJ
fsr-3531	390	32	specification	specification	NOUN
fsr-3531	390	33	instead	instead	ADV
fsr-3531	390	34	of	of	ADP
fsr-3531	390	35	quiz	quiz	NOUN
fsr-3531	390	36	score	score	NOUN
fsr-3531	390	37	and	and	CCONJ
fsr-3531	390	38	self	self	NOUN
fsr-3531	390	39	-	-	PUNCT
fsr-3531	390	40	assessed	assess	VERB
fsr-3531	390	41	financial	financial	ADJ
fsr-3531	390	42	iq	iq	NOUN
fsr-3531	390	43	.	.	PUNCT
fsr-3531	391	1	beginning	begin	VERB
fsr-3531	391	2	with	with	ADP
fsr-3531	391	3	model	model	NOUN
fsr-3531	391	4	1	1	NUM
fsr-3531	391	5	,	,	PUNCT
fsr-3531	391	6	younger	young	ADJ
fsr-3531	391	7	students	student	NOUN
fsr-3531	391	8	are	be	AUX
fsr-3531	391	9	significantly	significantly	ADV
fsr-3531	391	10	more	more	ADV
fsr-3531	391	11	likely	likely	ADJ
fsr-3531	391	12	to	to	PART
fsr-3531	391	13	signal	signal	VERB
fsr-3531	391	14	interest	interest	NOUN
fsr-3531	391	15	,	,	PUNCT
fsr-3531	391	16	but	but	CCONJ
fsr-3531	391	17	this	this	PRON
fsr-3531	391	18	is	be	AUX
fsr-3531	391	19	not	not	PART
fsr-3531	391	20	robust	robust	ADJ
fsr-3531	391	21	in	in	ADP
fsr-3531	391	22	later	late	ADJ
fsr-3531	391	23	specifications	specification	NOUN
fsr-3531	391	24	.	.	PUNCT
fsr-3531	392	1	professional	professional	ADJ
fsr-3531	392	2	students	student	NOUN
fsr-3531	392	3	are	be	AUX
fsr-3531	392	4	significantly	significantly	ADV
fsr-3531	392	5	more	more	ADV
fsr-3531	392	6	likely	likely	ADJ
fsr-3531	392	7	to	to	PART
fsr-3531	392	8	signal	signal	VERB
fsr-3531	392	9	interest	interest	NOUN
fsr-3531	392	10	;	;	PUNCT
fsr-3531	392	11	however	however	ADV
fsr-3531	392	12	,	,	PUNCT
fsr-3531	392	13	this	this	PRON
fsr-3531	392	14	is	be	AUX
fsr-3531	392	15	only	only	ADV
fsr-3531	392	16	significant	significant	ADJ
fsr-3531	392	17	at	at	ADP
fsr-3531	392	18	the	the	DET
fsr-3531	392	19	10	10	NUM
fsr-3531	392	20	%	%	NOUN
fsr-3531	392	21	level	level	NOUN
fsr-3531	392	22	when	when	SCONJ
fsr-3531	392	23	controlling	control	VERB
fsr-3531	392	24	for	for	ADP
fsr-3531	392	25	debt	debt	NOUN
fsr-3531	392	26	characteristics	characteristic	NOUN
fsr-3531	392	27	.	.	PUNCT
fsr-3531	393	1	we	we	PRON
fsr-3531	393	2	find	find	VERB
fsr-3531	393	3	no	no	DET
fsr-3531	393	4	significant	significant	ADJ
fsr-3531	393	5	correlation	correlation	NOUN
fsr-3531	393	6	for	for	ADP
fsr-3531	393	7	business	business	NOUN
fsr-3531	393	8	students.13	students.13	PROPN
fsr-3531	393	9	in	in	ADP
fsr-3531	393	10	all	all	DET
fsr-3531	393	11	specifications	specification	NOUN
fsr-3531	393	12	,	,	PUNCT
fsr-3531	393	13	financial	financial	ADJ
fsr-3531	393	14	literacy	literacy	NOUN
fsr-3531	393	15	quiz	quiz	NOUN
fsr-3531	393	16	scores	score	NOUN
fsr-3531	393	17	and	and	CCONJ
fsr-3531	393	18	self	self	NOUN
fsr-3531	393	19	-	-	PUNCT
fsr-3531	393	20	assessed	assess	VERB
fsr-3531	393	21	financial	financial	ADJ
fsr-3531	393	22	iq	iq	NOUN
fsr-3531	393	23	have	have	VERB
fsr-3531	393	24	large	large	ADJ
fsr-3531	393	25	significant	significant	ADJ
fsr-3531	393	26	effects	effect	NOUN
fsr-3531	393	27	on	on	ADP
fsr-3531	393	28	the	the	DET
fsr-3531	393	29	likelihood	likelihood	NOUN
fsr-3531	393	30	to	to	PART
fsr-3531	393	31	signal	signal	VERB
fsr-3531	393	32	interest	interest	NOUN
fsr-3531	393	33	.	.	PUNCT
fsr-3531	394	1	these	these	DET
fsr-3531	394	2	effects	effect	NOUN
fsr-3531	394	3	pull	pull	VERB
fsr-3531	394	4	in	in	ADP
fsr-3531	394	5	the	the	DET
fsr-3531	394	6	opposite	opposite	ADJ
fsr-3531	394	7	directions	direction	NOUN
fsr-3531	394	8	,	,	PUNCT
fsr-3531	394	9	as	as	SCONJ
fsr-3531	394	10	discussed	discuss	VERB
fsr-3531	394	11	in	in	ADP
fsr-3531	394	12	section	section	NOUN
fsr-3531	394	13	3.2	3.2	NUM
fsr-3531	394	14	.	.	PUNCT
fsr-3531	394	15	,	,	PUNCT
fsr-3531	394	16	with	with	ADP
fsr-3531	394	17	predicted	predict	VERB
fsr-3531	394	18	interest	interest	NOUN
fsr-3531	394	19	increasing	increase	VERB
fsr-3531	394	20	in	in	ADP
fsr-3531	394	21	quiz	quiz	NOUN
fsr-3531	394	22	score	score	NOUN
fsr-3531	394	23	but	but	CCONJ
fsr-3531	394	24	decreasing	decrease	VERB
fsr-3531	394	25	in	in	ADP
fsr-3531	394	26	the	the	DET
fsr-3531	394	27	self	self	NOUN
fsr-3531	394	28	-	-	PUNCT
fsr-3531	394	29	assessed	assess	VERB
fsr-3531	394	30	measure	measure	NOUN
fsr-3531	394	31	.	.	PUNCT
fsr-3531	395	1	an	an	DET
fsr-3531	395	2	additional	additional	ADJ
fsr-3531	395	3	question	question	NOUN
fsr-3531	395	4	answered	answer	VERB
fsr-3531	395	5	correctly	correctly	ADV
fsr-3531	395	6	on	on	ADP
fsr-3531	395	7	the	the	DET
fsr-3531	395	8	quiz	quiz	NOUN
fsr-3531	395	9	score	score	NOUN
fsr-3531	395	10	increases	increase	VERB
fsr-3531	395	11	the	the	DET
fsr-3531	395	12	estimated	estimate	VERB
fsr-3531	395	13	likelihood	likelihood	NOUN
fsr-3531	395	14	to	to	PART
fsr-3531	395	15	indicate	indicate	VERB
fsr-3531	395	16	interest	interest	NOUN
fsr-3531	395	17	by	by	ADP
fsr-3531	395	18	4	4	NUM
fsr-3531	395	19	%	%	NOUN
fsr-3531	395	20	,	,	PUNCT
fsr-3531	395	21	while	while	SCONJ
fsr-3531	395	22	a	a	DET
fsr-3531	395	23	one	one	NUM
fsr-3531	395	24	unit	unit	NOUN
fsr-3531	395	25	increase	increase	NOUN
fsr-3531	395	26	in	in	ADP
fsr-3531	395	27	the	the	DET
fsr-3531	395	28	self	self	NOUN
fsr-3531	395	29	-	-	PUNCT
fsr-3531	395	30	assessed	assess	VERB
fsr-3531	395	31	measure	measure	NOUN
fsr-3531	395	32	decreases	decrease	VERB
fsr-3531	395	33	the	the	DET
fsr-3531	395	34	likelihood	likelihood	NOUN
fsr-3531	395	35	by	by	ADP
fsr-3531	395	36	5	5	NUM
fsr-3531	395	37	%	%	NOUN
fsr-3531	395	38	.	.	PUNCT
fsr-3531	396	1	the	the	DET
fsr-3531	396	2	personal	personal	ADJ
fsr-3531	396	3	finance	finance	NOUN
fsr-3531	396	4	degree	degree	NOUN
fsr-3531	396	5	of	of	ADP
fsr-3531	396	6	concern	concern	ADJ
fsr-3531	396	7	composite	composite	ADJ
fsr-3531	396	8	measure	measure	NOUN
fsr-3531	396	9	is	be	AUX
fsr-3531	396	10	significantly	significantly	ADV
fsr-3531	396	11	and	and	CCONJ
fsr-3531	396	12	positively	positively	ADV
fsr-3531	396	13	related	relate	VERB
fsr-3531	396	14	to	to	ADP
fsr-3531	396	15	indicating	indicate	VERB
fsr-3531	396	16	interest	interest	NOUN
fsr-3531	396	17	,	,	PUNCT
fsr-3531	396	18	following	follow	VERB
fsr-3531	396	19	our	our	PRON
fsr-3531	396	20	hypothesis	hypothesis	NOUN
fsr-3531	396	21	.	.	PUNCT
fsr-3531	397	1	in	in	ADP
fsr-3531	397	2	model	model	NOUN
fsr-3531	397	3	5	5	NUM
fsr-3531	397	4	,	,	PUNCT
fsr-3531	397	5	we	we	PRON
fsr-3531	397	6	use	use	VERB
fsr-3531	397	7	relative	relative	ADJ
fsr-3531	397	8	finiq	finiq	ADJ
fsr-3531	397	9	as	as	ADP
fsr-3531	397	10	a	a	DET
fsr-3531	397	11	regressor	regressor	NOUN
fsr-3531	397	12	,	,	PUNCT
fsr-3531	397	13	instead	instead	ADV
fsr-3531	397	14	of	of	ADP
fsr-3531	397	15	quiz	quiz	NOUN
fsr-3531	397	16	score	score	NOUN
fsr-3531	397	17	and	and	CCONJ
fsr-3531	397	18	the	the	DET
fsr-3531	397	19	self	self	NOUN
fsr-3531	397	20	-	-	PUNCT
fsr-3531	397	21	assess	assess	NOUN
fsr-3531	397	22	measure	measure	NOUN
fsr-3531	397	23	;	;	PUNCT
fsr-3531	397	24	and	and	CCONJ
fsr-3531	397	25	find	find	VERB
fsr-3531	397	26	estimated	estimate	VERB
fsr-3531	397	27	interest	interest	NOUN
fsr-3531	397	28	significantly	significantly	ADV
fsr-3531	397	29	increases	increase	VERB
fsr-3531	397	30	(	(	PUNCT
fsr-3531	397	31	decreases	decrease	NOUN
fsr-3531	397	32	)	)	PUNCT
fsr-3531	397	33	as	as	ADP
fsr-3531	397	34	underconfidence	underconfidence	NOUN
fsr-3531	397	35	(	(	PUNCT
fsr-3531	397	36	overconfidence	overconfidence	NOUN
fsr-3531	397	37	)	)	PUNCT
fsr-3531	397	38	increases	increase	NOUN
fsr-3531	397	39	.	.	PUNCT
fsr-3531	398	1	adding	add	VERB
fsr-3531	398	2	individual	individual	ADJ
fsr-3531	398	3	asset	asset	NOUN
fsr-3531	398	4	and	and	CCONJ
fsr-3531	398	5	banking	banking	NOUN
fsr-3531	398	6	in	in	ADP
fsr-3531	398	7	model	model	NOUN
fsr-3531	398	8	2	2	NUM
fsr-3531	398	9	has	have	VERB
fsr-3531	398	10	no	no	DET
fsr-3531	398	11	significant	significant	ADJ
fsr-3531	398	12	impact	impact	NOUN
fsr-3531	398	13	.	.	PUNCT
fsr-3531	399	1	model	model	NOUN
fsr-3531	399	2	3	3	NUM
fsr-3531	399	3	includes	include	VERB
fsr-3531	399	4	student	student	NOUN
fsr-3531	399	5	loan	loan	NOUN
fsr-3531	399	6	debt	debt	NOUN
fsr-3531	399	7	as	as	ADP
fsr-3531	399	8	a	a	DET
fsr-3531	399	9	categorical	categorical	ADJ
fsr-3531	399	10	variable	variable	NOUN
fsr-3531	399	11	(	(	PUNCT
fsr-3531	399	12	with	with	ADP
fsr-3531	399	13	no	no	DET
fsr-3531	399	14	student	student	NOUN
fsr-3531	399	15	loan	loan	NOUN
fsr-3531	399	16	debt	debt	NOUN
fsr-3531	399	17	as	as	ADP
fsr-3531	399	18	the	the	DET
fsr-3531	399	19	baseline	baseline	NOUN
fsr-3531	399	20	)	)	PUNCT
fsr-3531	399	21	.	.	PUNCT
fsr-3531	400	1	undergraduate	undergraduate	NOUN
fsr-3531	400	2	student	student	NOUN
fsr-3531	400	3	loan	loan	NOUN
fsr-3531	400	4	debt	debt	NOUN
fsr-3531	400	5	has	have	VERB
fsr-3531	400	6	a	a	DET
fsr-3531	400	7	significant	significant	ADJ
fsr-3531	400	8	impact	impact	NOUN
fsr-3531	400	9	on	on	ADP
fsr-3531	400	10	the	the	DET
fsr-3531	400	11	likelihood	likelihood	NOUN
fsr-3531	400	12	to	to	PART
fsr-3531	400	13	be	be	AUX
fsr-3531	400	14	interested	interested	ADJ
fsr-3531	400	15	in	in	ADP
fsr-3531	400	16	financial	financial	ADJ
fsr-3531	400	17	education	education	NOUN
fsr-3531	400	18	,	,	PUNCT
fsr-3531	400	19	compared	compare	VERB
fsr-3531	400	20	to	to	ADP
fsr-3531	400	21	those	those	PRON
fsr-3531	400	22	without	without	ADP
fsr-3531	400	23	student	student	NOUN
fsr-3531	400	24	loan	loan	NOUN
fsr-3531	400	25	debt	debt	NOUN
fsr-3531	400	26	.	.	PUNCT
fsr-3531	401	1	although	although	SCONJ
fsr-3531	401	2	we	we	PRON
fsr-3531	401	3	do	do	AUX
fsr-3531	401	4	not	not	PART
fsr-3531	401	5	find	find	VERB
fsr-3531	401	6	a	a	DET
fsr-3531	401	7	(	(	PUNCT
fsr-3531	401	8	robust	robust	ADJ
fsr-3531	401	9	)	)	PUNCT
fsr-3531	401	10	significant	significant	ADJ
fsr-3531	401	11	effect	effect	NOUN
fsr-3531	401	12	for	for	ADP
fsr-3531	401	13	either	either	CCONJ
fsr-3531	401	14	graduate	graduate	ADJ
fsr-3531	401	15	debt	debt	NOUN
fsr-3531	401	16	only	only	ADV
fsr-3531	401	17	or	or	CCONJ
fsr-3531	401	18	both	both	PRON
fsr-3531	401	19	debt	debt	NOUN
fsr-3531	401	20	from	from	ADP
fsr-3531	401	21	undergraduate	undergraduate	NOUN
fsr-3531	401	22	and	and	CCONJ
fsr-3531	401	23	graduate	graduate	NOUN
fsr-3531	401	24	school	school	NOUN
fsr-3531	401	25	,	,	PUNCT
fsr-3531	401	26	the	the	DET
fsr-3531	401	27	coefficient	coefficient	NOUN
fsr-3531	401	28	is	be	AUX
fsr-3531	401	29	positive	positive	ADJ
fsr-3531	401	30	—	—	PUNCT
fsr-3531	401	31	in	in	ADP
fsr-3531	401	32	the	the	DET
fsr-3531	401	33	hypothesized	hypothesized	ADJ
fsr-3531	401	34	direction	direction	NOUN
fsr-3531	401	35	.	.	PUNCT
fsr-3531	402	1	debt	debt	NOUN
fsr-3531	402	2	management	management	NOUN
fsr-3531	402	3	is	be	AUX
fsr-3531	402	4	likely	likely	ADJ
fsr-3531	402	5	to	to	PART
fsr-3531	402	6	become	become	VERB
fsr-3531	402	7	a	a	DET
fsr-3531	402	8	larger	large	ADJ
fsr-3531	402	9	concern	concern	NOUN
fsr-3531	402	10	for	for	ADP
fsr-3531	402	11	graduate	graduate	ADJ
fsr-3531	402	12	students	student	NOUN
fsr-3531	402	13	in	in	ADP
fsr-3531	402	14	the	the	DET
fsr-3531	402	15	accumulation	accumulation	NOUN
fsr-3531	402	16	phase	phase	NOUN
fsr-3531	402	17	of	of	ADP
fsr-3531	402	18	their	their	PRON
fsr-3531	402	19	lifecycle	lifecycle	NOUN
fsr-3531	402	20	,	,	PUNCT
fsr-3531	402	21	especially	especially	ADV
fsr-3531	402	22	since	since	SCONJ
fsr-3531	402	23	this	this	DET
fsr-3531	402	24	group	group	NOUN
fsr-3531	402	25	delays	delay	VERB
fsr-3531	402	26	employment	employment	NOUN
fsr-3531	402	27	income	income	NOUN
fsr-3531	402	28	,	,	PUNCT
fsr-3531	402	29	savings	saving	NOUN
fsr-3531	402	30	,	,	PUNCT
fsr-3531	402	31	and	and	CCONJ
fsr-3531	402	32	loan	loan	NOUN
fsr-3531	402	33	repayment	repayment	NOUN
fsr-3531	402	34	before	before	ADV
fsr-3531	402	35	(	(	PUNCT
fsr-3531	402	36	re)entering	re)entere	VERB
fsr-3531	402	37	the	the	DET
fsr-3531	402	38	labor	labor	NOUN
fsr-3531	402	39	force	force	NOUN
fsr-3531	402	40	,	,	PUNCT
fsr-3531	402	41	albeit	albeit	SCONJ
fsr-3531	402	42	at	at	ADP
fsr-3531	402	43	an	an	DET
fsr-3531	402	44	expected	expect	VERB
fsr-3531	402	45	relatively	relatively	ADV
fsr-3531	402	46	higher	high	ADJ
fsr-3531	402	47	salary	salary	NOUN
fsr-3531	402	48	.	.	PUNCT
fsr-3531	403	1	credit	credit	NOUN
fsr-3531	403	2	card	card	NOUN
fsr-3531	403	3	debt	debt	NOUN
fsr-3531	403	4	was	be	AUX
fsr-3531	403	5	not	not	PART
fsr-3531	403	6	a	a	DET
fsr-3531	403	7	significant	significant	ADJ
fsr-3531	403	8	correlate	correlate	NOUN
fsr-3531	403	9	.	.	PUNCT
fsr-3531	404	1	this	this	PRON
fsr-3531	404	2	may	may	AUX
fsr-3531	404	3	be	be	AUX
fsr-3531	404	4	of	of	ADP
fsr-3531	404	5	concern	concern	NOUN
fsr-3531	404	6	because	because	SCONJ
fsr-3531	404	7	some	some	DET
fsr-3531	404	8	students	student	NOUN
fsr-3531	404	9	may	may	AUX
fsr-3531	404	10	be	be	AUX
fsr-3531	404	11	using	use	VERB
fsr-3531	404	12	high	high	ADJ
fsr-3531	404	13	-	-	PUNCT
fsr-3531	404	14	cost	cost	NOUN
fsr-3531	404	15	debt	debt	NOUN
fsr-3531	404	16	to	to	PART
fsr-3531	404	17	finance	finance	VERB
fsr-3531	404	18	part	part	NOUN
fsr-3531	404	19	of	of	ADP
fsr-3531	404	20	their	their	PRON
fsr-3531	404	21	education	education	NOUN
fsr-3531	404	22	and	and	CCONJ
fsr-3531	404	23	this	this	DET
fsr-3531	404	24	group	group	NOUN
fsr-3531	404	25	would	would	AUX
fsr-3531	404	26	benefit	benefit	VERB
fsr-3531	404	27	from	from	ADP
fsr-3531	404	28	financial	financial	ADJ
fsr-3531	404	29	education	education	NOUN
fsr-3531	404	30	.	.	PUNCT
fsr-3531	405	1	when	when	SCONJ
fsr-3531	405	2	including	include	VERB
fsr-3531	405	3	home	home	NOUN
fsr-3531	405	4	ownership	ownership	NOUN
fsr-3531	405	5	characteristics	characteristic	NOUN
fsr-3531	405	6	in	in	ADP
fsr-3531	405	7	model	model	NOUN
fsr-3531	405	8	4	4	NUM
fsr-3531	405	9	we	we	PRON
fsr-3531	405	10	find	find	VERB
fsr-3531	405	11	those	those	PRON
fsr-3531	405	12	planning	plan	VERB
fsr-3531	405	13	to	to	PART
fsr-3531	405	14	purchase	purchase	VERB
fsr-3531	405	15	a	a	DET
fsr-3531	405	16	home	home	NOUN
fsr-3531	405	17	in	in	ADP
fsr-3531	405	18	the	the	DET
fsr-3531	405	19	next	next	ADJ
fsr-3531	405	20	ten	ten	NUM
fsr-3531	405	21	years	year	NOUN
fsr-3531	405	22	are	be	AUX
fsr-3531	405	23	significantly	significantly	ADV
fsr-3531	405	24	more	more	ADV
fsr-3531	405	25	likely	likely	ADJ
fsr-3531	405	26	to	to	PART
fsr-3531	405	27	signal	signal	VERB
fsr-3531	405	28	interest	interest	NOUN
fsr-3531	405	29	,	,	PUNCT
fsr-3531	405	30	following	follow	VERB
fsr-3531	405	31	our	our	PRON
fsr-3531	405	32	hypothesis	hypothesis	NOUN
fsr-3531	405	33	.	.	PUNCT
fsr-3531	406	1	4	4	X
fsr-3531	406	2	.	.	X
fsr-3531	406	3	discussion	discussion	NOUN
fsr-3531	406	4	this	this	DET
fsr-3531	406	5	paper	paper	NOUN
fsr-3531	406	6	examined	examine	VERB
fsr-3531	406	7	financial	financial	ADJ
fsr-3531	406	8	education	education	NOUN
fsr-3531	406	9	interest	interest	NOUN
fsr-3531	406	10	among	among	ADP
fsr-3531	406	11	graduate	graduate	ADJ
fsr-3531	406	12	students	student	NOUN
fsr-3531	406	13	in	in	ADP
fsr-3531	406	14	a	a	DET
fsr-3531	406	15	large	large	ADJ
fsr-3531	406	16	public	public	ADJ
fsr-3531	406	17	university	university	NOUN
fsr-3531	406	18	system	system	NOUN
fsr-3531	406	19	.	.	PUNCT
fsr-3531	407	1	we	we	PRON
fsr-3531	407	2	find	find	VERB
fsr-3531	407	3	a	a	DET
fsr-3531	407	4	strong	strong	ADJ
fsr-3531	407	5	positive	positive	ADJ
fsr-3531	407	6	and	and	CCONJ
fsr-3531	407	7	significant	significant	ADJ
fsr-3531	407	8	correlation	correlation	NOUN
fsr-3531	407	9	between	between	ADP
fsr-3531	407	10	underconfidence	underconfidence	NOUN
fsr-3531	407	11	(	(	PUNCT
fsr-3531	407	12	overconfidence	overconfidence	NOUN
fsr-3531	407	13	)	)	PUNCT
fsr-3531	407	14	in	in	ADP
fsr-3531	407	15	self	self	NOUN
fsr-3531	407	16	-	-	PUNCT
fsr-3531	407	17	measured	measure	VERB
fsr-3531	407	18	financial	financial	ADJ
fsr-3531	407	19	knowledge	knowledge	NOUN
fsr-3531	407	20	and	and	CCONJ
fsr-3531	407	21	(	(	PUNCT
fsr-3531	407	22	lack	lack	NOUN
fsr-3531	407	23	of	of	ADP
fsr-3531	407	24	)	)	PUNCT
fsr-3531	407	25	interest	interest	NOUN
fsr-3531	407	26	in	in	ADP
fsr-3531	407	27	financial	financial	ADJ
fsr-3531	407	28	education	education	NOUN
fsr-3531	407	29	programming	programming	NOUN
fsr-3531	407	30	.	.	PUNCT
fsr-3531	408	1	this	this	DET
fsr-3531	408	2	finding	finding	NOUN
fsr-3531	408	3	suggests	suggest	VERB
fsr-3531	408	4	the	the	DET
fsr-3531	408	5	need	need	NOUN
fsr-3531	408	6	for	for	ADP
fsr-3531	408	7	innovative	innovative	ADJ
fsr-3531	408	8	engagement	engagement	NOUN
fsr-3531	408	9	strategies	strategy	NOUN
fsr-3531	408	10	to	to	PART
fsr-3531	408	11	identify	identify	VERB
fsr-3531	408	12	and	and	CCONJ
fsr-3531	408	13	provide	provide	VERB
fsr-3531	408	14	programming	programming	NOUN
fsr-3531	408	15	to	to	ADP
fsr-3531	408	16	individuals	individual	NOUN
fsr-3531	408	17	who	who	PRON
fsr-3531	408	18	would	would	AUX
fsr-3531	408	19	benefit	benefit	VERB
fsr-3531	408	20	the	the	DET
fsr-3531	408	21	most	most	ADJ
fsr-3531	408	22	from	from	ADP
fsr-3531	408	23	improving	improve	VERB
fsr-3531	408	24	their	their	PRON
fsr-3531	408	25	financial	financial	ADJ
fsr-3531	408	26	literacy	literacy	NOUN
fsr-3531	408	27	.	.	PUNCT
fsr-3531	409	1	the	the	DET
fsr-3531	409	2	results	result	NOUN
fsr-3531	409	3	speak	speak	VERB
fsr-3531	409	4	to	to	ADP
fsr-3531	409	5	several	several	ADJ
fsr-3531	409	6	components	component	NOUN
fsr-3531	409	7	regarding	regard	VERB
fsr-3531	409	8	the	the	DET
fsr-3531	409	9	timing	timing	NOUN
fsr-3531	409	10	and	and	CCONJ
fsr-3531	409	11	delivery	delivery	NOUN
fsr-3531	409	12	of	of	ADP
fsr-3531	409	13	financial	financial	ADJ
fsr-3531	409	14	education	education	NOUN
fsr-3531	409	15	.	.	PUNCT
fsr-3531	410	1	the	the	DET
fsr-3531	410	2	first	first	ADJ
fsr-3531	410	3	is	be	AUX
fsr-3531	410	4	whether	whether	SCONJ
fsr-3531	410	5	the	the	DET
fsr-3531	410	6	timing	timing	NOUN
fsr-3531	410	7	is	be	AUX
fsr-3531	410	8	optimal	optimal	ADJ
fsr-3531	410	9	for	for	SCONJ
fsr-3531	410	10	graduate	graduate	ADJ
fsr-3531	410	11	students	student	NOUN
fsr-3531	410	12	to	to	PART
fsr-3531	410	13	engage	engage	VERB
fsr-3531	410	14	in	in	ADP
fsr-3531	410	15	improving	improve	VERB
fsr-3531	410	16	their	their	PRON
fsr-3531	410	17	financial	financial	ADJ
fsr-3531	410	18	literacy	literacy	NOUN
fsr-3531	410	19	.	.	PUNCT
fsr-3531	411	1	because	because	SCONJ
fsr-3531	411	2	many	many	ADJ
fsr-3531	411	3	graduate	graduate	NOUN
fsr-3531	411	4	students	student	NOUN
fsr-3531	411	5	are	be	AUX
fsr-3531	411	6	close	close	ADJ
fsr-3531	411	7	to	to	ADP
fsr-3531	411	8	(	(	PUNCT
fsr-3531	411	9	re)entering	re)entere	VERB
fsr-3531	411	10	146	146	NUM
fsr-3531	411	11	b.	b.	PROPN
fsr-3531	411	12	j.	j.	PROPN
fsr-3531	411	13	davis	davis	PROPN
fsr-3531	411	14	et	et	PROPN
fsr-3531	411	15	al	al	PROPN
fsr-3531	411	16	.	.	PUNCT
fsr-3531	411	17	/	/	SYM
fsr-3531	411	18	financial	financial	ADJ
fsr-3531	411	19	services	service	NOUN
fsr-3531	411	20	review	review	VERB
fsr-3531	411	21	31	31	NUM
fsr-3531	411	22	(	(	PUNCT
fsr-3531	411	23	2023	2023	NUM
fsr-3531	411	24	)	)	PUNCT
fsr-3531	412	1	133–150	133–150	NUM
fsr-3531	412	2	the	the	DET
fsr-3531	412	3	workforce	workforce	NOUN
fsr-3531	412	4	,	,	PUNCT
fsr-3531	412	5	they	they	PRON
fsr-3531	412	6	may	may	AUX
fsr-3531	412	7	be	be	AUX
fsr-3531	412	8	focused	focus	VERB
fsr-3531	412	9	on	on	ADP
fsr-3531	412	10	the	the	DET
fsr-3531	412	11	near	near	ADJ
fsr-3531	412	12	-	-	PUNCT
fsr-3531	412	13	term	term	NOUN
fsr-3531	412	14	issues	issue	NOUN
fsr-3531	412	15	of	of	ADP
fsr-3531	412	16	graduating	graduating	NOUN
fsr-3531	412	17	,	,	PUNCT
fsr-3531	412	18	finding	find	VERB
fsr-3531	412	19	a	a	DET
fsr-3531	412	20	job	job	NOUN
fsr-3531	412	21	,	,	PUNCT
fsr-3531	412	22	or	or	CCONJ
fsr-3531	412	23	moving	move	VERB
fsr-3531	412	24	.	.	PUNCT
fsr-3531	413	1	this	this	PRON
fsr-3531	413	2	can	can	AUX
fsr-3531	413	3	make	make	VERB
fsr-3531	413	4	them	they	PRON
fsr-3531	413	5	subject	subject	ADJ
fsr-3531	413	6	to	to	ADP
fsr-3531	413	7	present	present	ADJ
fsr-3531	413	8	bias	bias	NOUN
fsr-3531	413	9	through	through	ADP
fsr-3531	413	10	the	the	DET
fsr-3531	413	11	belief	belief	NOUN
fsr-3531	413	12	that	that	SCONJ
fsr-3531	413	13	they	they	PRON
fsr-3531	413	14	have	have	AUX
fsr-3531	413	15	scant	scant	ADJ
fsr-3531	413	16	time	time	NOUN
fsr-3531	413	17	to	to	PART
fsr-3531	413	18	devote	devote	VERB
fsr-3531	413	19	additional	additional	ADJ
fsr-3531	413	20	resources	resource	NOUN
fsr-3531	413	21	to	to	ADP
fsr-3531	413	22	improving	improve	VERB
fsr-3531	413	23	their	their	PRON
fsr-3531	413	24	long	long	ADJ
fsr-3531	413	25	-	-	PUNCT
fsr-3531	413	26	term	term	NOUN
fsr-3531	413	27	financial	financial	ADJ
fsr-3531	413	28	well	well	NOUN
fsr-3531	413	29	-	-	PUNCT
fsr-3531	413	30	being	being	NOUN
fsr-3531	413	31	.	.	PUNCT
fsr-3531	414	1	innovative	innovative	ADJ
fsr-3531	414	2	engagement	engagement	NOUN
fsr-3531	414	3	strategies	strategy	NOUN
fsr-3531	414	4	,	,	PUNCT
fsr-3531	414	5	such	such	DET
fsr-3531	414	6	a	a	DET
fsr-3531	414	7	providing	provide	VERB
fsr-3531	414	8	lunch	lunch	NOUN
fsr-3531	414	9	or	or	CCONJ
fsr-3531	414	10	tchotchkes	tchotchke	NOUN
fsr-3531	414	11	,	,	PUNCT
fsr-3531	414	12	may	may	AUX
fsr-3531	414	13	nudge	nudge	VERB
fsr-3531	414	14	active	active	ADJ
fsr-3531	414	15	participation	participation	NOUN
fsr-3531	414	16	in	in	ADP
fsr-3531	414	17	financial	financial	ADJ
fsr-3531	414	18	education	education	NOUN
fsr-3531	414	19	.	.	PUNCT
fsr-3531	415	1	however	however	ADV
fsr-3531	415	2	,	,	PUNCT
fsr-3531	415	3	we	we	PRON
fsr-3531	415	4	find	find	VERB
fsr-3531	415	5	these	these	DET
fsr-3531	415	6	nudges	nudge	NOUN
fsr-3531	415	7	did	do	AUX
fsr-3531	415	8	not	not	PART
fsr-3531	415	9	address	address	VERB
fsr-3531	415	10	to	to	ADP
fsr-3531	415	11	our	our	PRON
fsr-3531	415	12	main	main	ADJ
fsr-3531	415	13	finding	finding	NOUN
fsr-3531	415	14	that	that	SCONJ
fsr-3531	415	15	those	those	PRON
fsr-3531	415	16	confident	confident	ADJ
fsr-3531	415	17	in	in	ADP
fsr-3531	415	18	their	their	PRON
fsr-3531	415	19	financial	financial	ADJ
fsr-3531	415	20	knowledge	knowledge	NOUN
fsr-3531	415	21	but	but	CCONJ
fsr-3531	415	22	have	have	AUX
fsr-3531	415	23	low	low	ADJ
fsr-3531	415	24	financial	financial	ADJ
fsr-3531	415	25	literacy	literacy	NOUN
fsr-3531	415	26	are	be	AUX
fsr-3531	415	27	significantly	significantly	ADV
fsr-3531	415	28	less	less	ADV
fsr-3531	415	29	interested	interested	ADJ
fsr-3531	415	30	in	in	ADP
fsr-3531	415	31	financial	financial	ADJ
fsr-3531	415	32	education	education	NOUN
fsr-3531	415	33	.	.	PUNCT
fsr-3531	416	1	how	how	SCONJ
fsr-3531	416	2	should	should	AUX
fsr-3531	416	3	these	these	DET
fsr-3531	416	4	individuals	individual	NOUN
fsr-3531	416	5	be	be	AUX
fsr-3531	416	6	engaged	engage	VERB
fsr-3531	416	7	in	in	ADP
fsr-3531	416	8	financial	financial	ADJ
fsr-3531	416	9	education	education	NOUN
fsr-3531	416	10	?	?	PUNCT
fsr-3531	417	1	mandatory	mandatory	ADJ
fsr-3531	417	2	financial	financial	ADJ
fsr-3531	417	3	education	education	NOUN
fsr-3531	417	4	could	could	AUX
fsr-3531	417	5	be	be	AUX
fsr-3531	417	6	one	one	NUM
fsr-3531	417	7	response	response	NOUN
fsr-3531	417	8	,	,	PUNCT
fsr-3531	417	9	and	and	CCONJ
fsr-3531	417	10	many	many	ADJ
fsr-3531	417	11	states	state	NOUN
fsr-3531	417	12	have	have	AUX
fsr-3531	417	13	begun	begin	VERB
fsr-3531	417	14	to	to	PART
fsr-3531	417	15	institute	institute	VERB
fsr-3531	417	16	mandatory	mandatory	ADJ
fsr-3531	417	17	financial	financial	ADJ
fsr-3531	417	18	literacy	literacy	NOUN
fsr-3531	417	19	programs	program	NOUN
fsr-3531	417	20	in	in	ADP
fsr-3531	417	21	high	high	ADJ
fsr-3531	417	22	school	school	NOUN
fsr-3531	417	23	.	.	PUNCT
fsr-3531	418	1	stoddard	stoddard	NOUN
fsr-3531	418	2	and	and	CCONJ
fsr-3531	418	3	urban	urban	ADJ
fsr-3531	418	4	(	(	PUNCT
fsr-3531	418	5	2020	2020	NUM
fsr-3531	418	6	)	)	PUNCT
fsr-3531	418	7	,	,	PUNCT
fsr-3531	418	8	urban	urban	ADJ
fsr-3531	418	9	,	,	PUNCT
fsr-3531	418	10	schmeiser	schmeiser	ADJ
fsr-3531	418	11	,	,	PUNCT
fsr-3531	418	12	collins	collin	NOUN
fsr-3531	418	13	,	,	PUNCT
fsr-3531	418	14	and	and	CCONJ
fsr-3531	418	15	brown	brown	ADJ
fsr-3531	418	16	(	(	PUNCT
fsr-3531	418	17	2018	2018	NUM
fsr-3531	418	18	)	)	PUNCT
fsr-3531	418	19	,	,	PUNCT
fsr-3531	418	20	and	and	CCONJ
fsr-3531	418	21	collins	collins	PROPN
fsr-3531	418	22	(	(	PUNCT
fsr-3531	418	23	2013	2013	NUM
fsr-3531	418	24	)	)	PUNCT
fsr-3531	418	25	find	find	VERB
fsr-3531	418	26	some	some	DET
fsr-3531	418	27	benefits	benefit	NOUN
fsr-3531	418	28	to	to	ADP
fsr-3531	418	29	mandatory	mandatory	ADJ
fsr-3531	418	30	education	education	NOUN
fsr-3531	418	31	.	.	PUNCT
fsr-3531	419	1	however	however	ADV
fsr-3531	419	2	,	,	PUNCT
fsr-3531	419	3	there	there	PRON
fsr-3531	419	4	needs	need	VERB
fsr-3531	419	5	to	to	PART
fsr-3531	419	6	be	be	AUX
fsr-3531	419	7	further	further	ADJ
fsr-3531	419	8	research	research	NOUN
fsr-3531	419	9	in	in	ADP
fsr-3531	419	10	this	this	DET
fsr-3531	419	11	area	area	NOUN
fsr-3531	419	12	as	as	SCONJ
fsr-3531	419	13	there	there	PRON
fsr-3531	419	14	remain	remain	VERB
fsr-3531	419	15	many	many	ADJ
fsr-3531	419	16	open	open	ADJ
fsr-3531	419	17	questions	question	NOUN
fsr-3531	419	18	,	,	PUNCT
fsr-3531	419	19	including	include	VERB
fsr-3531	419	20	whether	whether	SCONJ
fsr-3531	419	21	the	the	DET
fsr-3531	419	22	education	education	NOUN
fsr-3531	419	23	benefits	benefit	NOUN
fsr-3531	419	24	persist	persist	VERB
fsr-3531	419	25	in	in	ADP
fsr-3531	419	26	later	later	ADJ
fsr-3531	419	27	life	life	NOUN
fsr-3531	419	28	,	,	PUNCT
fsr-3531	419	29	how	how	SCONJ
fsr-3531	419	30	such	such	ADJ
fsr-3531	419	31	programs	program	NOUN
fsr-3531	419	32	are	be	AUX
fsr-3531	419	33	implemented	implement	VERB
fsr-3531	419	34	,	,	PUNCT
fsr-3531	419	35	what	what	PRON
fsr-3531	419	36	is	be	AUX
fsr-3531	419	37	included	include	VERB
fsr-3531	419	38	in	in	ADP
fsr-3531	419	39	the	the	DET
fsr-3531	419	40	content	content	NOUN
fsr-3531	419	41	,	,	PUNCT
fsr-3531	419	42	and	and	CCONJ
fsr-3531	419	43	when	when	SCONJ
fsr-3531	419	44	in	in	ADP
fsr-3531	419	45	the	the	DET
fsr-3531	419	46	lifecycle	lifecycle	NOUN
fsr-3531	419	47	are	be	AUX
fsr-3531	419	48	they	they	PRON
fsr-3531	419	49	delivered	deliver	VERB
fsr-3531	419	50	,	,	PUNCT
fsr-3531	419	51	among	among	ADP
fsr-3531	419	52	others	other	NOUN
fsr-3531	419	53	.	.	PUNCT
fsr-3531	420	1	with	with	ADP
fsr-3531	420	2	most	most	ADJ
fsr-3531	420	3	programs	program	NOUN
fsr-3531	420	4	continuing	continue	VERB
fsr-3531	420	5	to	to	PART
fsr-3531	420	6	rely	rely	VERB
fsr-3531	420	7	on	on	ADP
fsr-3531	420	8	voluntary	voluntary	ADJ
fsr-3531	420	9	education	education	NOUN
fsr-3531	420	10	efforts	effort	NOUN
fsr-3531	420	11	,	,	PUNCT
fsr-3531	420	12	often	often	ADV
fsr-3531	420	13	offered	offer	VERB
fsr-3531	420	14	by	by	ADP
fsr-3531	420	15	employer	employer	NOUN
fsr-3531	420	16	benefit	benefit	NOUN
fsr-3531	420	17	programs	program	NOUN
fsr-3531	420	18	,	,	PUNCT
fsr-3531	420	19	designers	designer	NOUN
fsr-3531	420	20	and	and	CCONJ
fsr-3531	420	21	implementers	implementer	NOUN
fsr-3531	420	22	of	of	ADP
fsr-3531	420	23	financial	financial	ADJ
fsr-3531	420	24	education	education	NOUN
fsr-3531	420	25	will	will	AUX
fsr-3531	420	26	need	need	VERB
fsr-3531	420	27	to	to	PART
fsr-3531	420	28	consider	consider	VERB
fsr-3531	420	29	how	how	SCONJ
fsr-3531	420	30	to	to	PART
fsr-3531	420	31	attract	attract	VERB
fsr-3531	420	32	individuals	individual	NOUN
fsr-3531	420	33	overconfident	overconfident	ADJ
fsr-3531	420	34	in	in	ADP
fsr-3531	420	35	their	their	PRON
fsr-3531	420	36	knowledge	knowledge	NOUN
fsr-3531	420	37	of	of	ADP
fsr-3531	420	38	personal	personal	ADJ
fsr-3531	420	39	finances	finance	NOUN
fsr-3531	420	40	.	.	PUNCT
fsr-3531	421	1	notes	note	NOUN
fsr-3531	421	2	1	1	NUM
fsr-3531	421	3	for	for	ADP
fsr-3531	421	4	research	research	NOUN
fsr-3531	421	5	on	on	ADP
fsr-3531	421	6	financial	financial	ADJ
fsr-3531	421	7	literacy	literacy	NOUN
fsr-3531	421	8	see	see	VERB
fsr-3531	421	9	yakoboski	yakoboski	PROPN
fsr-3531	421	10	,	,	PUNCT
fsr-3531	421	11	lusardi	lusardi	NOUN
fsr-3531	421	12	,	,	PUNCT
fsr-3531	421	13	and	and	CCONJ
fsr-3531	421	14	hasler	hasler	NOUN
fsr-3531	421	15	(	(	PUNCT
fsr-3531	421	16	2019	2019	NUM
fsr-3531	421	17	)	)	PUNCT
fsr-3531	421	18	,	,	PUNCT
fsr-3531	421	19	clark	clark	NOUN
fsr-3531	421	20	,	,	PUNCT
fsr-3531	421	21	lusardi	lusardi	NOUN
fsr-3531	421	22	,	,	PUNCT
fsr-3531	421	23	and	and	CCONJ
fsr-3531	421	24	mitchell	mitchell	PROPN
fsr-3531	421	25	(	(	PUNCT
fsr-3531	421	26	2017	2017	NUM
fsr-3531	421	27	)	)	PUNCT
fsr-3531	421	28	,	,	PUNCT
fsr-3531	421	29	lusardi	lusardi	NOUN
fsr-3531	421	30	and	and	CCONJ
fsr-3531	421	31	mitchell	mitchell	PROPN
fsr-3531	421	32	(	(	PUNCT
fsr-3531	421	33	2014	2014	NUM
fsr-3531	421	34	)	)	PUNCT
fsr-3531	421	35	,	,	PUNCT
fsr-3531	421	36	lusardi	lusardi	PROPN
fsr-3531	421	37	,	,	PUNCT
fsr-3531	421	38	mitchell	mitchell	PROPN
fsr-3531	421	39	,	,	PUNCT
fsr-3531	421	40	and	and	CCONJ
fsr-3531	421	41	curto	curto	PROPN
fsr-3531	421	42	(	(	PUNCT
fsr-3531	421	43	2014	2014	NUM
fsr-3531	421	44	)	)	PUNCT
fsr-3531	421	45	,	,	PUNCT
fsr-3531	421	46	lusardi	lusardi	NOUN
fsr-3531	421	47	and	and	CCONJ
fsr-3531	421	48	mitchell	mitchell	PROPN
fsr-3531	421	49	(	(	PUNCT
fsr-3531	421	50	2011	2011	NUM
fsr-3531	421	51	)	)	PUNCT
fsr-3531	421	52	,	,	PUNCT
fsr-3531	421	53	among	among	ADP
fsr-3531	421	54	others	other	NOUN
fsr-3531	421	55	.	.	PUNCT
fsr-3531	422	1	for	for	ADP
fsr-3531	422	2	a	a	DET
fsr-3531	422	3	broader	broad	ADJ
fsr-3531	422	4	discussion	discussion	NOUN
fsr-3531	422	5	on	on	ADP
fsr-3531	422	6	financial	financial	ADJ
fsr-3531	422	7	literacy	literacy	NOUN
fsr-3531	422	8	,	,	PUNCT
fsr-3531	422	9	financial	financial	ADJ
fsr-3531	422	10	education	education	NOUN
fsr-3531	422	11	,	,	PUNCT
fsr-3531	422	12	and	and	CCONJ
fsr-3531	422	13	economic	economic	ADJ
fsr-3531	422	14	outcomes	outcome	NOUN
fsr-3531	422	15	see	see	VERB
fsr-3531	422	16	hastings	hastings	PROPN
fsr-3531	422	17	,	,	PUNCT
fsr-3531	422	18	madrian	madrian	NOUN
fsr-3531	422	19	,	,	PUNCT
fsr-3531	422	20	and	and	CCONJ
fsr-3531	422	21	skimmyhorn	skimmyhorn	NUM
fsr-3531	422	22	(	(	PUNCT
fsr-3531	422	23	2013	2013	NUM
fsr-3531	422	24	)	)	PUNCT
fsr-3531	422	25	.	.	PUNCT
fsr-3531	423	1	2	2	NUM
fsr-3531	423	2	bernheim	bernheim	NOUN
fsr-3531	423	3	and	and	CCONJ
fsr-3531	423	4	garrett	garrett	PROPN
fsr-3531	423	5	(	(	PUNCT
fsr-3531	423	6	2003	2003	NUM
fsr-3531	423	7	)	)	PUNCT
fsr-3531	423	8	,	,	PUNCT
fsr-3531	423	9	lusardi	lusardi	PROPN
fsr-3531	423	10	(	(	PUNCT
fsr-3531	423	11	2004	2004	NUM
fsr-3531	423	12	)	)	PUNCT
fsr-3531	423	13	,	,	PUNCT
fsr-3531	423	14	maki	maki	NOUN
fsr-3531	423	15	(	(	PUNCT
fsr-3531	423	16	2004	2004	NUM
fsr-3531	423	17	)	)	PUNCT
fsr-3531	423	18	,	,	PUNCT
fsr-3531	423	19	and	and	CCONJ
fsr-3531	423	20	bayer	bayer	NOUN
fsr-3531	423	21	,	,	PUNCT
fsr-3531	423	22	bernheim	bernheim	NOUN
fsr-3531	423	23	,	,	PUNCT
fsr-3531	423	24	and	and	CCONJ
fsr-3531	423	25	scholz	scholz	NOUN
fsr-3531	423	26	(	(	PUNCT
fsr-3531	423	27	2009	2009	NUM
fsr-3531	423	28	)	)	PUNCT
fsr-3531	423	29	have	have	AUX
fsr-3531	423	30	studied	study	VERB
fsr-3531	423	31	employer	employer	NOUN
fsr-3531	423	32	-	-	PUNCT
fsr-3531	423	33	sponsored	sponsor	VERB
fsr-3531	423	34	financial	financial	ADJ
fsr-3531	423	35	literacy	literacy	NOUN
fsr-3531	423	36	programs	program	NOUN
fsr-3531	423	37	and	and	CCONJ
fsr-3531	423	38	retirement	retirement	NOUN
fsr-3531	423	39	preparedness	preparedness	NOUN
fsr-3531	423	40	.	.	PUNCT
fsr-3531	424	1	other	other	ADJ
fsr-3531	424	2	studies	study	NOUN
fsr-3531	424	3	have	have	AUX
fsr-3531	424	4	found	find	VERB
fsr-3531	424	5	other	other	ADJ
fsr-3531	424	6	positive	positive	ADJ
fsr-3531	424	7	benefits	benefit	NOUN
fsr-3531	424	8	to	to	ADP
fsr-3531	424	9	financial	financial	ADJ
fsr-3531	424	10	education	education	NOUN
fsr-3531	424	11	programs	program	NOUN
fsr-3531	424	12	(	(	PUNCT
fsr-3531	424	13	i.e.	i.e.	X
fsr-3531	424	14	,	,	PUNCT
fsr-3531	424	15	clark	clark	PROPN
fsr-3531	424	16	et	et	PROPN
fsr-3531	424	17	al	al	PROPN
fsr-3531	424	18	.	.	PROPN
fsr-3531	424	19	,	,	PUNCT
fsr-3531	424	20	2006	2006	NUM
fsr-3531	424	21	;	;	PUNCT
fsr-3531	424	22	skimmyhorn	skimmyhorn	PROPN
fsr-3531	424	23	et	et	PROPN
fsr-3531	424	24	al	al	PROPN
fsr-3531	424	25	.	.	PROPN
fsr-3531	424	26	,	,	PUNCT
fsr-3531	424	27	2016	2016	NUM
fsr-3531	424	28	;	;	PUNCT
fsr-3531	424	29	and	and	CCONJ
fsr-3531	424	30	seligman	seligman	NOUN
fsr-3531	424	31	and	and	CCONJ
fsr-3531	424	32	bose	bose	PROPN
fsr-3531	424	33	2012	2012	NUM
fsr-3531	424	34	)	)	PUNCT
fsr-3531	424	35	.	.	PUNCT
fsr-3531	425	1	3	3	NUM
fsr-3531	425	2	in	in	ADP
fsr-3531	425	3	the	the	DET
fsr-3531	425	4	previous	previous	ADJ
fsr-3531	425	5	year	year	NOUN
fsr-3531	425	6	,	,	PUNCT
fsr-3531	425	7	we	we	PRON
fsr-3531	425	8	piloted	pilot	VERB
fsr-3531	425	9	a	a	DET
fsr-3531	425	10	similar	similar	ADJ
fsr-3531	425	11	survey	survey	NOUN
fsr-3531	425	12	and	and	CCONJ
fsr-3531	425	13	education	education	NOUN
fsr-3531	425	14	to	to	ADP
fsr-3531	425	15	a	a	DET
fsr-3531	425	16	small	small	ADJ
fsr-3531	425	17	group	group	NOUN
fsr-3531	425	18	of	of	ADP
fsr-3531	425	19	students	student	NOUN
fsr-3531	425	20	.	.	PUNCT
fsr-3531	426	1	while	while	SCONJ
fsr-3531	426	2	the	the	DET
fsr-3531	426	3	test	test	NOUN
fsr-3531	426	4	group	group	NOUN
fsr-3531	426	5	gave	give	VERB
fsr-3531	426	6	good	good	ADJ
fsr-3531	426	7	feedback	feedback	NOUN
fsr-3531	426	8	and	and	CCONJ
fsr-3531	426	9	generally	generally	ADV
fsr-3531	426	10	positive	positive	ADJ
fsr-3531	426	11	reviews	review	NOUN
fsr-3531	426	12	,	,	PUNCT
fsr-3531	426	13	we	we	PRON
fsr-3531	426	14	adjusted	adjust	VERB
fsr-3531	426	15	both	both	CCONJ
fsr-3531	426	16	our	our	PRON
fsr-3531	426	17	materials	material	NOUN
fsr-3531	426	18	and	and	CCONJ
fsr-3531	426	19	engagement	engagement	NOUN
fsr-3531	426	20	strategy	strategy	NOUN
fsr-3531	426	21	to	to	PART
fsr-3531	426	22	improve	improve	VERB
fsr-3531	426	23	participation	participation	NOUN
fsr-3531	426	24	.	.	PUNCT
fsr-3531	427	1	4	4	NUM
fsr-3531	427	2	this	this	DET
fsr-3531	427	3	postcard	postcard	NOUN
fsr-3531	427	4	campaign	campaign	NOUN
fsr-3531	427	5	is	be	AUX
fsr-3531	427	6	consistent	consistent	ADJ
fsr-3531	427	7	with	with	ADP
fsr-3531	427	8	findings	finding	NOUN
fsr-3531	427	9	on	on	ADP
fsr-3531	427	10	the	the	DET
fsr-3531	427	11	positive	positive	ADJ
fsr-3531	427	12	value	value	NOUN
fsr-3531	427	13	of	of	ADP
fsr-3531	427	14	prompts	prompt	NOUN
fsr-3531	427	15	from	from	ADP
fsr-3531	427	16	dechausay	dechausay	PROPN
fsr-3531	427	17	,	,	PUNCT
fsr-3531	427	18	anzelone	anzelone	NOUN
fsr-3531	427	19	,	,	PUNCT
fsr-3531	427	20	and	and	CCONJ
fsr-3531	427	21	reardon	reardon	PROPN
fsr-3531	427	22	(	(	PUNCT
fsr-3531	427	23	2015	2015	NUM
fsr-3531	427	24	)	)	PUNCT
fsr-3531	427	25	.	.	PUNCT
fsr-3531	428	1	5	5	NUM
fsr-3531	428	2	the	the	DET
fsr-3531	428	3	ra	ra	PROPN
fsr-3531	428	4	had	have	AUX
fsr-3531	428	5	previously	previously	ADV
fsr-3531	428	6	served	serve	VERB
fsr-3531	428	7	as	as	ADP
fsr-3531	428	8	president	president	NOUN
fsr-3531	428	9	of	of	ADP
fsr-3531	428	10	the	the	DET
fsr-3531	428	11	graduate	graduate	PROPN
fsr-3531	428	12	student	student	NOUN
fsr-3531	428	13	council	council	NOUN
fsr-3531	428	14	and	and	CCONJ
fsr-3531	428	15	thus	thus	ADV
fsr-3531	428	16	was	be	AUX
fsr-3531	428	17	a	a	DET
fsr-3531	428	18	familiar	familiar	ADJ
fsr-3531	428	19	and	and	CCONJ
fsr-3531	428	20	respected	respected	ADJ
fsr-3531	428	21	source	source	NOUN
fsr-3531	428	22	of	of	ADP
fsr-3531	428	23	information	information	NOUN
fsr-3531	428	24	across	across	ADP
fsr-3531	428	25	the	the	DET
fsr-3531	428	26	body	body	NOUN
fsr-3531	428	27	of	of	ADP
fsr-3531	428	28	groups	group	NOUN
fsr-3531	428	29	we	we	PRON
fsr-3531	428	30	engaged	engage	VERB
fsr-3531	428	31	.	.	PUNCT
fsr-3531	429	1	6	6	NUM
fsr-3531	429	2	lusardi	lusardi	NOUN
fsr-3531	429	3	,	,	PUNCT
fsr-3531	429	4	mitchell	mitchell	PROPN
fsr-3531	429	5	,	,	PUNCT
fsr-3531	429	6	and	and	CCONJ
fsr-3531	429	7	curto	curto	PROPN
fsr-3531	429	8	(	(	PUNCT
fsr-3531	429	9	2014	2014	NUM
fsr-3531	429	10	)	)	PUNCT
fsr-3531	429	11	,	,	PUNCT
fsr-3531	429	12	schmeiser	schmeiser	NOUN
fsr-3531	429	13	and	and	CCONJ
fsr-3531	429	14	seligman	seligman	NOUN
fsr-3531	429	15	(	(	PUNCT
fsr-3531	429	16	2013	2013	NUM
fsr-3531	429	17	)	)	PUNCT
fsr-3531	429	18	,	,	PUNCT
fsr-3531	429	19	and	and	CCONJ
fsr-3531	429	20	knoll	knoll	NOUN
fsr-3531	429	21	and	and	CCONJ
fsr-3531	429	22	houts	hout	NOUN
fsr-3531	429	23	(	(	PUNCT
fsr-3531	429	24	2012	2012	NUM
fsr-3531	429	25	)	)	PUNCT
fsr-3531	429	26	have	have	AUX
fsr-3531	429	27	published	publish	VERB
fsr-3531	429	28	work	work	NOUN
fsr-3531	429	29	evaluating	evaluate	VERB
fsr-3531	429	30	questions	question	NOUN
fsr-3531	429	31	on	on	ADP
fsr-3531	429	32	measuring	measure	VERB
fsr-3531	429	33	financial	financial	ADJ
fsr-3531	429	34	literacy	literacy	NOUN
fsr-3531	429	35	using	use	VERB
fsr-3531	429	36	three	three	NUM
fsr-3531	429	37	independent	independent	ADJ
fsr-3531	429	38	methodologies	methodology	NOUN
fsr-3531	429	39	.	.	PUNCT
fsr-3531	430	1	we	we	PRON
fsr-3531	430	2	take	take	VERB
fsr-3531	430	3	our	our	PRON
fsr-3531	430	4	financial	financial	ADJ
fsr-3531	430	5	literacy	literacy	NOUN
fsr-3531	430	6	questions	question	NOUN
fsr-3531	430	7	from	from	ADP
fsr-3531	430	8	this	this	DET
fsr-3531	430	9	work	work	NOUN
fsr-3531	430	10	,	,	PUNCT
fsr-3531	430	11	and	and	CCONJ
fsr-3531	430	12	consultation	consultation	NOUN
fsr-3531	430	13	with	with	ADP
fsr-3531	430	14	financial	financial	ADJ
fsr-3531	430	15	counselors	counselor	NOUN
fsr-3531	430	16	,	,	PUNCT
fsr-3531	430	17	and	and	CCONJ
fsr-3531	430	18	use	use	VERB
fsr-3531	430	19	a	a	DET
fsr-3531	430	20	set	set	NOUN
fsr-3531	430	21	of	of	ADP
fsr-3531	430	22	12	12	NUM
fsr-3531	430	23	questions	question	NOUN
fsr-3531	430	24	from	from	ADP
fsr-3531	430	25	these	these	DET
fsr-3531	430	26	studies	study	NOUN
fsr-3531	430	27	.	.	PUNCT
fsr-3531	431	1	b.	b.	PROPN
fsr-3531	431	2	j.	j.	PROPN
fsr-3531	431	3	davis	davis	PROPN
fsr-3531	431	4	et	et	PROPN
fsr-3531	431	5	al	al	PROPN
fsr-3531	431	6	.	.	PUNCT
fsr-3531	431	7	/	/	SYM
fsr-3531	431	8	financial	financial	ADJ
fsr-3531	431	9	services	service	NOUN
fsr-3531	431	10	review	review	VERB
fsr-3531	431	11	31	31	NUM
fsr-3531	431	12	(	(	PUNCT
fsr-3531	431	13	2023	2023	NUM
fsr-3531	431	14	)	)	PUNCT
fsr-3531	432	1	133–150	133–150	NUM
fsr-3531	432	2	147	147	NUM
fsr-3531	432	3	7	7	NUM
fsr-3531	432	4	a	a	DET
fsr-3531	432	5	control	control	NOUN
fsr-3531	432	6	group	group	NOUN
fsr-3531	432	7	that	that	PRON
fsr-3531	432	8	was	be	AUX
fsr-3531	432	9	roughly	roughly	ADV
fsr-3531	432	10	one	one	NUM
fsr-3531	432	11	-	-	PUNCT
fsr-3531	432	12	third	third	NOUN
fsr-3531	432	13	of	of	ADP
fsr-3531	432	14	eligible	eligible	ADJ
fsr-3531	432	15	participants	participant	NOUN
fsr-3531	432	16	was	be	AUX
fsr-3531	432	17	not	not	PART
fsr-3531	432	18	invited	invite	VERB
fsr-3531	432	19	so	so	ADV
fsr-3531	432	20	as	as	SCONJ
fsr-3531	432	21	to	to	PART
fsr-3531	432	22	be	be	AUX
fsr-3531	432	23	able	able	ADJ
fsr-3531	432	24	to	to	PART
fsr-3531	432	25	carry	carry	VERB
fsr-3531	432	26	forward	forward	ADP
fsr-3531	432	27	with	with	ADP
fsr-3531	432	28	other	other	ADJ
fsr-3531	432	29	research	research	NOUN
fsr-3531	432	30	questions	question	NOUN
fsr-3531	432	31	.	.	PUNCT
fsr-3531	433	1	8	8	NUM
fsr-3531	433	2	we	we	PRON
fsr-3531	433	3	defined	define	VERB
fsr-3531	433	4	a	a	DET
fsr-3531	433	5	student	student	NOUN
fsr-3531	433	6	as	as	ADP
fsr-3531	433	7	being	be	AUX
fsr-3531	433	8	in	in	ADP
fsr-3531	433	9	a	a	DET
fsr-3531	433	10	quantitative	quantitative	ADJ
fsr-3531	433	11	field	field	NOUN
fsr-3531	433	12	if	if	SCONJ
fsr-3531	433	13	the	the	DET
fsr-3531	433	14	student	student	NOUN
fsr-3531	433	15	’s	’s	PART
fsr-3531	433	16	program	program	NOUN
fsr-3531	433	17	is	be	AUX
fsr-3531	433	18	in	in	ADP
fsr-3531	433	19	economics	economic	NOUN
fsr-3531	433	20	,	,	PUNCT
fsr-3531	433	21	business	business	NOUN
fsr-3531	433	22	,	,	PUNCT
fsr-3531	433	23	engineering	engineering	NOUN
fsr-3531	433	24	,	,	PUNCT
fsr-3531	433	25	statistics	statistic	NOUN
fsr-3531	433	26	,	,	PUNCT
fsr-3531	433	27	mathematics	mathematic	NOUN
fsr-3531	433	28	,	,	PUNCT
fsr-3531	433	29	physics	physics	NOUN
fsr-3531	433	30	,	,	PUNCT
fsr-3531	433	31	chemistry	chemistry	NOUN
fsr-3531	433	32	,	,	PUNCT
fsr-3531	433	33	or	or	CCONJ
fsr-3531	433	34	computer	computer	NOUN
fsr-3531	433	35	science	science	NOUN
fsr-3531	433	36	.	.	PUNCT
fsr-3531	434	1	9	9	NUM
fsr-3531	434	2	the	the	DET
fsr-3531	434	3	financial	financial	ADJ
fsr-3531	434	4	literacy	literacy	NOUN
fsr-3531	434	5	quiz	quiz	NOUN
fsr-3531	434	6	covered	cover	VERB
fsr-3531	434	7	questions	question	NOUN
fsr-3531	434	8	on	on	ADP
fsr-3531	434	9	interest	interest	NOUN
fsr-3531	434	10	,	,	PUNCT
fsr-3531	434	11	inflation	inflation	NOUN
fsr-3531	434	12	,	,	PUNCT
fsr-3531	434	13	and	and	CCONJ
fsr-3531	434	14	bond	bond	NOUN
fsr-3531	434	15	prices	price	NOUN
fsr-3531	434	16	.	.	PUNCT
fsr-3531	435	1	10	10	NUM
fsr-3531	435	2	we	we	PRON
fsr-3531	435	3	control	control	VERB
fsr-3531	435	4	for	for	ADP
fsr-3531	435	5	degree	degree	NOUN
fsr-3531	435	6	type	type	NOUN
fsr-3531	435	7	in	in	ADP
fsr-3531	435	8	our	our	PRON
fsr-3531	435	9	regression	regression	NOUN
fsr-3531	435	10	analysis	analysis	NOUN
fsr-3531	435	11	.	.	PUNCT
fsr-3531	436	1	11	11	NUM
fsr-3531	436	2	our	our	PRON
fsr-3531	436	3	relative	relative	ADJ
fsr-3531	436	4	measure	measure	NOUN
fsr-3531	436	5	can	can	AUX
fsr-3531	436	6	not	not	PART
fsr-3531	436	7	examine	examine	VERB
fsr-3531	436	8	whether	whether	SCONJ
fsr-3531	436	9	there	there	PRON
fsr-3531	436	10	are	be	VERB
fsr-3531	436	11	differences	difference	NOUN
fsr-3531	436	12	in	in	ADP
fsr-3531	436	13	student	student	NOUN
fsr-3531	436	14	interest	interest	NOUN
fsr-3531	436	15	across	across	ADP
fsr-3531	436	16	the	the	DET
fsr-3531	436	17	entire	entire	ADJ
fsr-3531	436	18	cross	cross	NOUN
fsr-3531	436	19	product	product	NOUN
fsr-3531	436	20	of	of	ADP
fsr-3531	436	21	the	the	DET
fsr-3531	436	22	financial	financial	ADJ
fsr-3531	436	23	literacy	literacy	NOUN
fsr-3531	436	24	score	score	NOUN
fsr-3531	436	25	and	and	CCONJ
fsr-3531	436	26	self	self	NOUN
fsr-3531	436	27	-	-	PUNCT
fsr-3531	436	28	assessed	assess	VERB
fsr-3531	436	29	financial	financial	ADJ
fsr-3531	436	30	iq	iq	NOUN
fsr-3531	436	31	measure	measure	NOUN
fsr-3531	436	32	.	.	PUNCT
fsr-3531	437	1	12	12	NUM
fsr-3531	437	2	the	the	DET
fsr-3531	437	3	overall	overall	ADJ
fsr-3531	437	4	model	model	NOUN
fsr-3531	437	5	is	be	AUX
fsr-3531	437	6	significant	significant	ADJ
fsr-3531	437	7	(	(	PUNCT
fsr-3531	437	8	p	p	X
fsr-3531	437	9	<	<	X
fsr-3531	437	10	.01	.01	NUM
fsr-3531	437	11	with	with	ADP
fsr-3531	437	12	a	a	DET
fsr-3531	437	13	x2	x2	PROPN
fsr-3531	437	14	test	test	NOUN
fsr-3531	437	15	)	)	PUNCT
fsr-3531	437	16	.	.	PUNCT
fsr-3531	438	1	moreover	moreover	ADV
fsr-3531	438	2	,	,	PUNCT
fsr-3531	438	3	the	the	DET
fsr-3531	438	4	predicted	predict	VERB
fsr-3531	438	5	probabilities	probability	NOUN
fsr-3531	438	6	for	for	ADP
fsr-3531	438	7	each	each	DET
fsr-3531	438	8	combination	combination	NOUN
fsr-3531	438	9	of	of	ADP
fsr-3531	438	10	finiq	finiq	ADJ
fsr-3531	438	11	and	and	CCONJ
fsr-3531	438	12	quiz	quiz	NOUN
fsr-3531	438	13	score	score	NOUN
fsr-3531	438	14	(	(	PUNCT
fsr-3531	438	15	91	91	NUM
fsr-3531	438	16	combinations	combination	NOUN
fsr-3531	438	17	)	)	PUNCT
fsr-3531	438	18	are	be	AUX
fsr-3531	438	19	all	all	ADV
fsr-3531	438	20	significant	significant	ADJ
fsr-3531	438	21	at	at	ADP
fsr-3531	438	22	the	the	DET
fsr-3531	438	23	5	5	NUM
fsr-3531	438	24	%	%	NOUN
fsr-3531	438	25	level	level	NOUN
fsr-3531	438	26	.	.	PUNCT
fsr-3531	439	1	13	13	NUM
fsr-3531	439	2	in	in	ADP
fsr-3531	439	3	separate	separate	ADJ
fsr-3531	439	4	regressions	regression	NOUN
fsr-3531	439	5	(	(	PUNCT
fsr-3531	439	6	not	not	PART
fsr-3531	439	7	shown	show	VERB
fsr-3531	439	8	)	)	PUNCT
fsr-3531	440	1	we	we	PRON
fsr-3531	440	2	controlled	control	VERB
fsr-3531	440	3	for	for	ADP
fsr-3531	440	4	degree	degree	NOUN
fsr-3531	440	5	type	type	NOUN
fsr-3531	440	6	and	and	CCONJ
fsr-3531	440	7	prior	prior	ADJ
fsr-3531	440	8	work	work	NOUN
fsr-3531	440	9	experience	experience	NOUN
fsr-3531	440	10	;	;	PUNCT
fsr-3531	440	11	there	there	PRON
fsr-3531	440	12	were	be	VERB
fsr-3531	440	13	no	no	DET
fsr-3531	440	14	significant	significant	ADJ
fsr-3531	440	15	differences	difference	NOUN
fsr-3531	440	16	.	.	PUNCT
fsr-3531	441	1	appendix	appendix	ADJ
fsr-3531	441	2	table	table	NOUN
fsr-3531	441	3	a1	a1	NOUN
fsr-3531	441	4	predicted	predict	VERB
fsr-3531	441	5	probabilities	probability	NOUN
fsr-3531	441	6	of	of	ADP
fsr-3531	441	7	indicating	indicate	VERB
fsr-3531	441	8	interest	interest	NOUN
fsr-3531	441	9	in	in	ADP
fsr-3531	441	10	financial	financial	ADJ
fsr-3531	441	11	education	education	NOUN
fsr-3531	441	12	by	by	ADP
fsr-3531	441	13	financial	financial	ADJ
fsr-3531	441	14	literacy	literacy	NOUN
fsr-3531	441	15	and	and	CCONJ
fsr-3531	441	16	selfassessed	selfassesse	VERB
fsr-3531	441	17	financial	financial	ADJ
fsr-3531	441	18	iq	iq	NOUN
fsr-3531	441	19	financial	financial	ADJ
fsr-3531	441	20	literacy	literacy	NOUN
fsr-3531	441	21	quiz	quiz	NOUN
fsr-3531	441	22	score	score	VERB
fsr-3531	441	23	self	self	NOUN
fsr-3531	441	24	-	-	PUNCT
fsr-3531	441	25	assessed	assess	VERB
fsr-3531	441	26	financial	financial	ADJ
fsr-3531	441	27	iq	iq	NOUN
fsr-3531	441	28	very	very	ADV
fsr-3531	441	29	low	low	ADJ
fsr-3531	441	30	1	1	NUM
fsr-3531	441	31	2	2	NUM
fsr-3531	441	32	3	3	NUM
fsr-3531	441	33	4	4	NUM
fsr-3531	441	34	5	5	NUM
fsr-3531	441	35	6	6	NUM
fsr-3531	441	36	very	very	ADV
fsr-3531	441	37	high	high	ADJ
fsr-3531	441	38	7	7	NUM
fsr-3531	441	39	0	0	NUM
fsr-3531	441	40	(	(	PUNCT
fsr-3531	441	41	0	0	NUM
fsr-3531	441	42	%	%	NOUN
fsr-3531	441	43	)	)	PUNCT
fsr-3531	441	44	11.1	11.1	NUM
fsr-3531	441	45	%	%	NOUN
fsr-3531	441	46	14.3	14.3	NUM
fsr-3531	441	47	%	%	NOUN
fsr-3531	441	48	13.7	13.7	NUM
fsr-3531	441	49	%	%	NOUN
fsr-3531	441	50	10.3	10.3	NUM
fsr-3531	441	51	%	%	NOUN
fsr-3531	441	52	10.5	10.5	NUM
fsr-3531	441	53	%	%	NOUN
fsr-3531	441	54	7.9	7.9	NUM
fsr-3531	441	55	%	%	NOUN
fsr-3531	441	56	5.9	5.9	NUM
fsr-3531	441	57	%	%	NOUN
fsr-3531	441	58	1	1	NUM
fsr-3531	441	59	30.6	30.6	NUM
fsr-3531	441	60	37.1	37.1	NUM
fsr-3531	441	61	35.9	35.9	NUM
fsr-3531	441	62	28.9	28.9	NUM
fsr-3531	441	63	29.3	29.3	NUM
fsr-3531	441	64	23.3	23.3	NUM
fsr-3531	441	65	18.2	18.2	NUM
fsr-3531	441	66	2	2	NUM
fsr-3531	441	67	33.6	33.6	NUM
fsr-3531	441	68	40.3	40.3	NUM
fsr-3531	441	69	39.1	39.1	NUM
fsr-3531	441	70	31.8	31.8	NUM
fsr-3531	441	71	32.2	32.2	NUM
fsr-3531	441	72	25.8	25.8	NUM
fsr-3531	441	73	20.3	20.3	NUM
fsr-3531	441	74	3	3	NUM
fsr-3531	441	75	35.8	35.8	NUM
fsr-3531	441	76	42.6	42.6	NUM
fsr-3531	441	77	41.4	41.4	NUM
fsr-3531	441	78	33.9	33.9	NUM
fsr-3531	441	79	34.4	34.4	NUM
fsr-3531	441	80	27.7	27.7	NUM
fsr-3531	441	81	21.9	21.9	NUM
fsr-3531	441	82	4	4	NUM
fsr-3531	441	83	52.3	52.3	NUM
fsr-3531	441	84	59.4	59.4	NUM
fsr-3531	441	85	58.1	58.1	NUM
fsr-3531	441	86	50.2	50.2	NUM
fsr-3531	441	87	50.7	50.7	NUM
fsr-3531	441	88	42.9	42.9	NUM
fsr-3531	441	89	35.6	35.6	NUM
fsr-3531	441	90	5	5	NUM
fsr-3531	441	91	61.1	61.1	NUM
fsr-3531	441	92	67.7	67.7	NUM
fsr-3531	441	93	66.6	66.6	NUM
fsr-3531	441	94	59.2	59.2	NUM
fsr-3531	441	95	59.7	59.7	NUM
fsr-3531	441	96	51.9	51.9	NUM
fsr-3531	441	97	44.3	44.3	NUM
fsr-3531	441	98	6	6	NUM
fsr-3531	441	99	(	(	PUNCT
fsr-3531	441	100	50	50	NUM
fsr-3531	441	101	%	%	NOUN
fsr-3531	441	102	)	)	PUNCT
fsr-3531	442	1	54.1	54.1	NUM
fsr-3531	442	2	61.2	61.2	NUM
fsr-3531	442	3	60.0	60.0	NUM
fsr-3531	442	4	52.1	52.1	NUM
fsr-3531	442	5	52.6	52.6	NUM
fsr-3531	442	6	44.8	44.8	NUM
fsr-3531	442	7	37.3	37.3	NUM
fsr-3531	442	8	7	7	NUM
fsr-3531	442	9	65.9	65.9	NUM
fsr-3531	442	10	72.1	72.1	NUM
fsr-3531	442	11	71.1	71.1	NUM
fsr-3531	442	12	64.1	64.1	NUM
fsr-3531	442	13	64.5	64.5	NUM
fsr-3531	442	14	57.1	57.1	NUM
fsr-3531	442	15	49.4	49.4	NUM
fsr-3531	442	16	8	8	NUM
fsr-3531	442	17	63.0	63.0	NUM
fsr-3531	442	18	69.4	69.4	NUM
fsr-3531	442	19	68.3	68.3	NUM
fsr-3531	442	20	61.1	61.1	NUM
fsr-3531	442	21	61.5	61.5	NUM
fsr-3531	442	22	53.9	53.9	NUM
fsr-3531	442	23	46.2	46.2	NUM
fsr-3531	442	24	9	9	NUM
fsr-3531	442	25	64.5	64.5	NUM
fsr-3531	442	26	70.8	70.8	NUM
fsr-3531	442	27	69.8	69.8	NUM
fsr-3531	442	28	62.7	62.7	NUM
fsr-3531	442	29	63.1	63.1	NUM
fsr-3531	442	30	55.6	55.6	NUM
fsr-3531	442	31	47.9	47.9	NUM
fsr-3531	442	32	10	10	NUM
fsr-3531	442	33	62.0	62.0	NUM
fsr-3531	442	34	68.6	68.6	NUM
fsr-3531	442	35	67.5	67.5	NUM
fsr-3531	442	36	60.1	60.1	NUM
fsr-3531	442	37	60.6	60.6	NUM
fsr-3531	442	38	52.9	52.9	NUM
fsr-3531	442	39	45.2	45.2	NUM
fsr-3531	442	40	11	11	NUM
fsr-3531	442	41	62.2	62.2	NUM
fsr-3531	442	42	68.7	68.7	NUM
fsr-3531	442	43	67.6	67.6	NUM
fsr-3531	442	44	60.2	60.2	NUM
fsr-3531	442	45	60.7	60.7	NUM
fsr-3531	442	46	53.0	53.0	NUM
fsr-3531	442	47	45.4	45.4	NUM
fsr-3531	442	48	12	12	NUM
fsr-3531	442	49	(	(	PUNCT
fsr-3531	442	50	100	100	NUM
fsr-3531	442	51	%	%	NOUN
fsr-3531	442	52	)	)	PUNCT
fsr-3531	442	53	62.3	62.3	NUM
fsr-3531	442	54	68.8	68.8	NUM
fsr-3531	442	55	67.7	67.7	NUM
fsr-3531	442	56	60.3	60.3	NUM
fsr-3531	442	57	60.8	60.8	NUM
fsr-3531	442	58	53.2	53.2	NUM
fsr-3531	442	59	45.5	45.5	NUM
fsr-3531	442	60	note	note	NOUN
fsr-3531	442	61	.	.	PUNCT
fsr-3531	443	1	predicted	predict	VERB
fsr-3531	443	2	probabilities	probability	NOUN
fsr-3531	443	3	from	from	ADP
fsr-3531	443	4	logit	logit	NOUN
fsr-3531	443	5	model	model	NOUN
fsr-3531	443	6	as	as	SCONJ
fsr-3531	443	7	described	describe	VERB
fsr-3531	443	8	in	in	ADP
fsr-3531	443	9	section	section	NOUN
fsr-3531	443	10	3.2	3.2	NUM
fsr-3531	443	11	,	,	PUNCT
fsr-3531	443	12	all	all	PRON
fsr-3531	443	13	are	be	AUX
fsr-3531	443	14	significant	significant	ADJ
fsr-3531	443	15	at	at	ADP
fsr-3531	443	16	the	the	DET
fsr-3531	443	17	5	5	NUM
fsr-3531	443	18	%	%	NOUN
fsr-3531	443	19	level	level	NOUN
fsr-3531	443	20	.	.	PUNCT
fsr-3531	444	1	148	148	NUM
fsr-3531	444	2	b.	b.	PROPN
fsr-3531	444	3	j.	j.	PROPN
fsr-3531	444	4	davis	davis	PROPN
fsr-3531	444	5	et	et	PROPN
fsr-3531	444	6	al	al	PROPN
fsr-3531	444	7	.	.	PUNCT
fsr-3531	444	8	/	/	SYM
fsr-3531	444	9	financial	financial	ADJ
fsr-3531	444	10	services	service	NOUN
fsr-3531	444	11	review	review	VERB
fsr-3531	444	12	31	31	NUM
fsr-3531	444	13	(	(	PUNCT
fsr-3531	444	14	2023	2023	NUM
fsr-3531	444	15	)	)	PUNCT
fsr-3531	444	16	133–150	133–150	NUM
fsr-3531	444	17	acknowledgments	acknowledgment	NOUN
fsr-3531	444	18	we	we	PRON
fsr-3531	444	19	thank	thank	VERB
fsr-3531	444	20	annamaria	annamaria	PROPN
fsr-3531	444	21	lusardi	lusardi	PROPN
fsr-3531	444	22	and	and	CCONJ
fsr-3531	444	23	carrie	carrie	NOUN
fsr-3531	444	24	houts	hout	NOUN
fsr-3531	444	25	for	for	ADP
fsr-3531	444	26	their	their	PRON
fsr-3531	444	27	comments	comment	NOUN
fsr-3531	444	28	on	on	ADP
fsr-3531	444	29	our	our	PRON
fsr-3531	444	30	financial	financial	ADJ
fsr-3531	444	31	literacy	literacy	NOUN
fsr-3531	444	32	survey	survey	NOUN
fsr-3531	444	33	.	.	PUNCT
fsr-3531	445	1	we	we	PRON
fsr-3531	445	2	thank	thank	VERB
fsr-3531	445	3	james	james	PROPN
fsr-3531	445	4	winbush	winbush	PROPN
fsr-3531	445	5	,	,	PUNCT
fsr-3531	445	6	dan	dan	PROPN
fsr-3531	445	7	rives	rives	PROPN
fsr-3531	445	8	,	,	PUNCT
fsr-3531	445	9	keatrick	keatrick	PROPN
fsr-3531	445	10	johnson	johnson	PROPN
fsr-3531	445	11	,	,	PUNCT
fsr-3531	445	12	and	and	CCONJ
fsr-3531	445	13	others	other	NOUN
fsr-3531	445	14	at	at	ADP
fsr-3531	445	15	indiana	indiana	PROPN
fsr-3531	445	16	university	university	PROPN
fsr-3531	445	17	for	for	ADP
fsr-3531	445	18	their	their	PRON
fsr-3531	445	19	engagement	engagement	NOUN
fsr-3531	445	20	and	and	CCONJ
fsr-3531	445	21	contributions	contribution	NOUN
fsr-3531	445	22	.	.	PUNCT
fsr-3531	446	1	we	we	PRON
fsr-3531	446	2	have	have	AUX
fsr-3531	446	3	benefited	benefit	VERB
fsr-3531	446	4	from	from	ADP
fsr-3531	446	5	the	the	DET
fsr-3531	446	6	capable	capable	ADJ
fsr-3531	446	7	research	research	NOUN
fsr-3531	446	8	assistance	assistance	NOUN
fsr-3531	446	9	of	of	ADP
fsr-3531	446	10	benjamin	benjamin	PROPN
fsr-3531	446	11	bissette	bissette	PROPN
fsr-3531	446	12	,	,	PUNCT
fsr-3531	446	13	katherine	katherine	PROPN
fsr-3531	446	14	jones	jones	PROPN
fsr-3531	446	15	,	,	PUNCT
fsr-3531	446	16	and	and	CCONJ
fsr-3531	446	17	lanita	lanita	PROPN
fsr-3531	446	18	rahjina	rahjina	PROPN
fsr-3531	446	19	.	.	PUNCT
fsr-3531	447	1	we	we	PRON
fsr-3531	447	2	acknowledge	acknowledge	VERB
fsr-3531	447	3	the	the	DET
fsr-3531	447	4	financial	financial	ADJ
fsr-3531	447	5	support	support	NOUN
fsr-3531	447	6	of	of	ADP
fsr-3531	447	7	indiana	indiana	PROPN
fsr-3531	447	8	university	university	PROPN
fsr-3531	447	9	in	in	ADP
fsr-3531	447	10	this	this	DET
fsr-3531	447	11	work	work	NOUN
fsr-3531	447	12	.	.	PUNCT
fsr-3531	448	1	any	any	DET
fsr-3531	448	2	errors	error	NOUN
fsr-3531	448	3	are	be	AUX
fsr-3531	448	4	our	our	PRON
fsr-3531	448	5	own	own	ADJ
fsr-3531	448	6	.	.	PUNCT
fsr-3531	449	1	the	the	DET
fsr-3531	449	2	views	view	NOUN
fsr-3531	449	3	are	be	AUX
fsr-3531	449	4	the	the	DET
fsr-3531	449	5	authors	author	NOUN
fsr-3531	449	6	’	'	PUNCT
fsr-3531	449	7	and	and	CCONJ
fsr-3531	449	8	do	do	AUX
fsr-3531	449	9	not	not	PART
fsr-3531	449	10	necessarily	necessarily	ADV
fsr-3531	449	11	represent	represent	VERB
fsr-3531	449	12	the	the	DET
fsr-3531	449	13	views	view	NOUN
fsr-3531	449	14	of	of	ADP
fsr-3531	449	15	the	the	DET
fsr-3531	449	16	tiaa	tiaa	NOUN
fsr-3531	449	17	,	,	PUNCT
fsr-3531	449	18	the	the	DET
fsr-3531	449	19	tiaa	tiaa	NOUN
fsr-3531	449	20	institute	institute	NOUN
fsr-3531	449	21	,	,	PUNCT
fsr-3531	449	22	or	or	CCONJ
fsr-3531	449	23	the	the	DET
fsr-3531	449	24	investment	investment	NOUN
fsr-3531	449	25	company	company	NOUN
fsr-3531	449	26	institute	institute	NOUN
fsr-3531	449	27	.	.	PUNCT
fsr-3531	450	1	references	reference	NOUN
fsr-3531	450	2	allgood	allgood	PROPN
fsr-3531	450	3	,	,	PUNCT
fsr-3531	450	4	s.	s.	PROPN
fsr-3531	450	5	,	,	PUNCT
fsr-3531	450	6	&	&	CCONJ
fsr-3531	450	7	walstad	walstad	PROPN
fsr-3531	450	8	,	,	PUNCT
fsr-3531	450	9	w.	w.	PROPN
fsr-3531	450	10	(	(	PUNCT
fsr-3531	450	11	2016	2016	NUM
fsr-3531	450	12	)	)	PUNCT
fsr-3531	450	13	.	.	PUNCT
fsr-3531	451	1	the	the	DET
fsr-3531	451	2	effects	effect	NOUN
fsr-3531	451	3	of	of	ADP
fsr-3531	451	4	perceive	perceive	ADJ
fsr-3531	451	5	and	and	CCONJ
fsr-3531	451	6	actual	actual	ADJ
fsr-3531	451	7	financial	financial	ADJ
fsr-3531	451	8	literacy	literacy	NOUN
fsr-3531	451	9	on	on	ADP
fsr-3531	451	10	financial	financial	ADJ
fsr-3531	451	11	behaviors	behavior	NOUN
fsr-3531	451	12	.	.	PUNCT
fsr-3531	452	1	economic	economic	ADJ
fsr-3531	452	2	inquiry	inquiry	NOUN
fsr-3531	452	3	,	,	PUNCT
fsr-3531	452	4	54	54	NUM
fsr-3531	452	5	,	,	PUNCT
fsr-3531	452	6	675–697	675–697	NUM
fsr-3531	452	7	.	.	PUNCT
fsr-3531	452	8	available	available	ADJ
fsr-3531	452	9	at	at	ADP
fsr-3531	452	10	:	:	PUNCT
fsr-3531	452	11	https://doi.org/10.1111/ecin.12255	https://doi.org/10.1111/ecin.12255	PROPN
fsr-3531	452	12	anderson	anderson	PROPN
fsr-3531	452	13	,	,	PUNCT
fsr-3531	452	14	a.	a.	PROPN
fsr-3531	452	15	,	,	PUNCT
fsr-3531	452	16	baker	baker	PROPN
fsr-3531	452	17	,	,	PUNCT
fsr-3531	452	18	f.	f.	PROPN
fsr-3531	452	19	,	,	PUNCT
fsr-3531	452	20	&	&	CCONJ
fsr-3531	452	21	robinson	robinson	PROPN
fsr-3531	452	22	,	,	PUNCT
fsr-3531	452	23	d.	d.	PROPN
fsr-3531	452	24	(	(	PUNCT
fsr-3531	452	25	2017	2017	NUM
fsr-3531	452	26	)	)	PUNCT
fsr-3531	452	27	.	.	PUNCT
fsr-3531	453	1	precautionary	precautionary	ADJ
fsr-3531	453	2	savings	saving	NOUN
fsr-3531	453	3	,	,	PUNCT
fsr-3531	453	4	retirement	retirement	NOUN
fsr-3531	453	5	planning	planning	NOUN
fsr-3531	453	6	and	and	CCONJ
fsr-3531	453	7	misperceptions	misperception	NOUN
fsr-3531	453	8	of	of	ADP
fsr-3531	453	9	financial	financial	ADJ
fsr-3531	453	10	literacy	literacy	NOUN
fsr-3531	453	11	.	.	PUNCT
fsr-3531	454	1	journal	journal	NOUN
fsr-3531	454	2	of	of	ADP
fsr-3531	454	3	financial	financial	ADJ
fsr-3531	454	4	economics	economic	NOUN
fsr-3531	454	5	,	,	PUNCT
fsr-3531	454	6	126	126	NUM
fsr-3531	454	7	,	,	PUNCT
fsr-3531	454	8	383–398	383–398	NUM
fsr-3531	454	9	.	.	PUNCT
fsr-3531	454	10	available	available	ADJ
fsr-3531	454	11	at	at	ADP
fsr-3531	454	12	:	:	PUNCT
fsr-3531	454	13	https://doi.org/10.1016/j	https://doi.org/10.1016/j	NOUN
fsr-3531	454	14	.	.	PUNCT
fsr-3531	455	1	jfineco.2017.07.008	jfineco.2017.07.008	X
fsr-3531	456	1	bayer	bayer	PROPN
fsr-3531	456	2	,	,	PUNCT
fsr-3531	456	3	p.	p.	PROPN
fsr-3531	456	4	,	,	PUNCT
fsr-3531	456	5	bernheim	bernheim	PROPN
fsr-3531	456	6	,	,	PUNCT
fsr-3531	456	7	d.	d.	PROPN
fsr-3531	456	8	,	,	PUNCT
fsr-3531	456	9	&	&	CCONJ
fsr-3531	456	10	scholz	scholz	PROPN
fsr-3531	456	11	,	,	PUNCT
fsr-3531	456	12	j.	j.	PROPN
fsr-3531	456	13	(	(	PUNCT
fsr-3531	456	14	2009	2009	NUM
fsr-3531	456	15	)	)	PUNCT
fsr-3531	456	16	.	.	PUNCT
fsr-3531	457	1	the	the	DET
fsr-3531	457	2	effects	effect	NOUN
fsr-3531	457	3	of	of	ADP
fsr-3531	457	4	financial	financial	ADJ
fsr-3531	457	5	education	education	NOUN
fsr-3531	457	6	in	in	ADP
fsr-3531	457	7	the	the	DET
fsr-3531	457	8	workplace	workplace	NOUN
fsr-3531	457	9	:	:	PUNCT
fsr-3531	457	10	evidence	evidence	NOUN
fsr-3531	457	11	from	from	ADP
fsr-3531	457	12	a	a	DET
fsr-3531	457	13	survey	survey	NOUN
fsr-3531	457	14	of	of	ADP
fsr-3531	457	15	employers	employer	NOUN
fsr-3531	457	16	.	.	PUNCT
fsr-3531	458	1	economic	economic	ADJ
fsr-3531	458	2	inquiry	inquiry	NOUN
fsr-3531	458	3	,	,	PUNCT
fsr-3531	458	4	47	47	NUM
fsr-3531	458	5	,	,	PUNCT
fsr-3531	458	6	605–624	605–624	NUM
fsr-3531	458	7	.	.	PUNCT
fsr-3531	459	1	available	available	ADJ
fsr-3531	459	2	at	at	ADP
fsr-3531	459	3	:	:	PUNCT
fsr-3531	459	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-3531	459	5	bernheim	bernheim	NOUN
fsr-3531	459	6	,	,	PUNCT
fsr-3531	459	7	d.	d.	PROPN
fsr-3531	459	8	,	,	PUNCT
fsr-3531	459	9	&	&	CCONJ
fsr-3531	459	10	garrett	garrett	PROPN
fsr-3531	459	11	,	,	PUNCT
fsr-3531	459	12	d.	d.	PROPN
fsr-3531	459	13	m.	m.	PROPN
fsr-3531	459	14	(	(	PUNCT
fsr-3531	459	15	2003	2003	NUM
fsr-3531	459	16	)	)	PUNCT
fsr-3531	459	17	.	.	PUNCT
fsr-3531	460	1	the	the	DET
fsr-3531	460	2	effects	effect	NOUN
fsr-3531	460	3	of	of	ADP
fsr-3531	460	4	financial	financial	ADJ
fsr-3531	460	5	education	education	NOUN
fsr-3531	460	6	in	in	ADP
fsr-3531	460	7	the	the	DET
fsr-3531	460	8	workplace	workplace	NOUN
fsr-3531	460	9	:	:	PUNCT
fsr-3531	460	10	evidence	evidence	NOUN
fsr-3531	460	11	from	from	ADP
fsr-3531	460	12	a	a	DET
fsr-3531	460	13	survey	survey	NOUN
fsr-3531	460	14	of	of	ADP
fsr-3531	460	15	households	household	NOUN
fsr-3531	460	16	.	.	PUNCT
fsr-3531	461	1	journal	journal	NOUN
fsr-3531	461	2	of	of	ADP
fsr-3531	461	3	public	public	ADJ
fsr-3531	461	4	economics	economic	NOUN
fsr-3531	461	5	,	,	PUNCT
fsr-3531	461	6	87	87	NUM
fsr-3531	461	7	,	,	PUNCT
fsr-3531	461	8	1487–1519	1487–1519	NUM
fsr-3531	461	9	.	.	PUNCT
fsr-3531	462	1	available	available	ADJ
fsr-3531	462	2	at	at	ADP
fsr-3531	462	3	:	:	PUNCT
fsr-3531	462	4	https://doi.org/10.1016/s0047-2727	https://doi.org/10.1016/s0047-2727	PROPN
fsr-3531	462	5	(	(	PUNCT
fsr-3531	462	6	01)00184	01)00184	PROPN
fsr-3531	462	7	-	-	PUNCT
fsr-3531	462	8	0	0	NUM
fsr-3531	462	9	clark	clark	PROPN
fsr-3531	462	10	,	,	PUNCT
fsr-3531	462	11	r.	r.	PROPN
fsr-3531	462	12	,	,	PUNCT
fsr-3531	462	13	lusardi	lusardi	PROPN
fsr-3531	462	14	,	,	PUNCT
fsr-3531	462	15	a.	a.	PROPN
fsr-3531	462	16	,	,	PUNCT
fsr-3531	462	17	&	&	CCONJ
fsr-3531	462	18	mitchell	mitchell	PROPN
fsr-3531	462	19	,	,	PUNCT
fsr-3531	462	20	o.	o.	PROPN
fsr-3531	462	21	(	(	PUNCT
fsr-3531	462	22	2017	2017	NUM
fsr-3531	462	23	)	)	PUNCT
fsr-3531	462	24	.	.	PUNCT
fsr-3531	463	1	employee	employee	NOUN
fsr-3531	463	2	financial	financial	ADJ
fsr-3531	463	3	literacy	literacy	NOUN
fsr-3531	463	4	and	and	CCONJ
fsr-3531	463	5	retirement	retirement	NOUN
fsr-3531	463	6	plan	plan	NOUN
fsr-3531	463	7	behavior	behavior	NOUN
fsr-3531	463	8	:	:	PUNCT
fsr-3531	463	9	a	a	DET
fsr-3531	463	10	case	case	NOUN
fsr-3531	463	11	study	study	NOUN
fsr-3531	463	12	.	.	PUNCT
fsr-3531	464	1	economic	economic	ADJ
fsr-3531	464	2	inquiry	inquiry	NOUN
fsr-3531	464	3	,	,	PUNCT
fsr-3531	464	4	55	55	NUM
fsr-3531	464	5	,	,	PUNCT
fsr-3531	464	6	248–259	248–259	NUM
fsr-3531	464	7	.	.	PUNCT
fsr-3531	464	8	available	available	ADJ
fsr-3531	464	9	at	at	ADP
fsr-3531	464	10	:	:	PUNCT
fsr-3531	464	11	https://doi.org/10.1111/ecin.12389	https://doi.org/10.1111/ecin.12389	NOUN
fsr-3531	464	12	clark	clark	PROPN
fsr-3531	464	13	,	,	PUNCT
fsr-3531	464	14	r.	r.	PROPN
fsr-3531	464	15	l.	l.	PROPN
fsr-3531	464	16	,	,	PUNCT
fsr-3531	464	17	d’ambrosio	d’ambrosio	PROPN
fsr-3531	464	18	,	,	PUNCT
fsr-3531	464	19	m.	m.	PROPN
fsr-3531	464	20	b.	b.	PROPN
fsr-3531	464	21	,	,	PUNCT
fsr-3531	464	22	mcdermed	mcderme	VERB
fsr-3531	464	23	,	,	PUNCT
fsr-3531	464	24	a.	a.	NOUN
fsr-3531	464	25	a.	a.	PROPN
fsr-3531	464	26	,	,	PUNCT
fsr-3531	464	27	&	&	CCONJ
fsr-3531	464	28	sawant	sawant	PROPN
fsr-3531	464	29	,	,	PUNCT
fsr-3531	464	30	k.	k.	PROPN
fsr-3531	464	31	(	(	PUNCT
fsr-3531	464	32	2006	2006	NUM
fsr-3531	464	33	)	)	PUNCT
fsr-3531	464	34	.	.	PUNCT
fsr-3531	465	1	retirement	retirement	NOUN
fsr-3531	465	2	plans	plan	NOUN
fsr-3531	465	3	and	and	CCONJ
fsr-3531	465	4	saving	save	VERB
fsr-3531	465	5	decisions	decision	NOUN
fsr-3531	465	6	:	:	PUNCT
fsr-3531	465	7	the	the	DET
fsr-3531	465	8	role	role	NOUN
fsr-3531	465	9	of	of	ADP
fsr-3531	465	10	information	information	NOUN
fsr-3531	465	11	and	and	CCONJ
fsr-3531	465	12	education	education	NOUN
fsr-3531	465	13	.	.	PUNCT
fsr-3531	466	1	journal	journal	NOUN
fsr-3531	466	2	of	of	ADP
fsr-3531	466	3	pension	pension	NOUN
fsr-3531	466	4	economics	economic	NOUN
fsr-3531	466	5	and	and	CCONJ
fsr-3531	466	6	finance	finance	NOUN
fsr-3531	466	7	,	,	PUNCT
fsr-3531	466	8	5	5	NUM
fsr-3531	466	9	,	,	PUNCT
fsr-3531	466	10	45–67	45–67	NUM
fsr-3531	466	11	.	.	PUNCT
fsr-3531	466	12	available	available	ADJ
fsr-3531	466	13	at	at	ADP
fsr-3531	466	14	:	:	PUNCT
fsr-3531	466	15	https://doi.org/10.1017/s1474747205002271	https://doi.org/10.1017/s1474747205002271	NUM
fsr-3531	466	16	collins	collin	NOUN
fsr-3531	466	17	,	,	PUNCT
fsr-3531	466	18	m.	m.	NOUN
fsr-3531	466	19	(	(	PUNCT
fsr-3531	466	20	2013	2013	NUM
fsr-3531	466	21	)	)	PUNCT
fsr-3531	466	22	.	.	PUNCT
fsr-3531	467	1	the	the	DET
fsr-3531	467	2	impacts	impact	NOUN
fsr-3531	467	3	of	of	ADP
fsr-3531	467	4	mandatory	mandatory	ADJ
fsr-3531	467	5	financial	financial	ADJ
fsr-3531	467	6	education	education	NOUN
fsr-3531	467	7	:	:	PUNCT
fsr-3531	467	8	evidence	evidence	NOUN
fsr-3531	467	9	from	from	ADP
fsr-3531	467	10	a	a	DET
fsr-3531	467	11	randomized	randomized	ADJ
fsr-3531	467	12	field	field	NOUN
fsr-3531	467	13	study	study	NOUN
fsr-3531	467	14	.	.	PUNCT
fsr-3531	468	1	journal	journal	NOUN
fsr-3531	468	2	of	of	ADP
fsr-3531	468	3	economic	economic	ADJ
fsr-3531	468	4	behavior	behavior	NOUN
fsr-3531	468	5	&	&	CCONJ
fsr-3531	468	6	organization	organization	PROPN
fsr-3531	468	7	,	,	PUNCT
fsr-3531	468	8	95	95	NUM
fsr-3531	468	9	,	,	PUNCT
fsr-3531	468	10	146–158	146–158	NUM
fsr-3531	468	11	.	.	PUNCT
fsr-3531	468	12	available	available	ADJ
fsr-3531	468	13	at	at	ADP
fsr-3531	468	14	:	:	PUNCT
fsr-3531	468	15	https://doi.org/10.1016/j.jebo.2012.08.011	https://doi.org/10.1016/j.jebo.2012.08.011	PROPN
fsr-3531	468	16	dechausay	dechausay	PROPN
fsr-3531	468	17	,	,	PUNCT
fsr-3531	468	18	n.	n.	NOUN
fsr-3531	468	19	,	,	PUNCT
fsr-3531	468	20	anzelone	anzelone	PROPN
fsr-3531	468	21	,	,	PUNCT
fsr-3531	468	22	c.	c.	PROPN
fsr-3531	468	23	,	,	PUNCT
fsr-3531	468	24	&	&	CCONJ
fsr-3531	468	25	reardon	reardon	PROPN
fsr-3531	468	26	,	,	PUNCT
fsr-3531	468	27	l.	l.	PROPN
fsr-3531	468	28	(	(	PUNCT
fsr-3531	468	29	2015	2015	NUM
fsr-3531	468	30	)	)	PUNCT
fsr-3531	468	31	.	.	PUNCT
fsr-3531	469	1	the	the	DET
fsr-3531	469	2	power	power	NOUN
fsr-3531	469	3	of	of	ADP
fsr-3531	469	4	prompts	prompt	NOUN
fsr-3531	469	5	:	:	PUNCT
fsr-3531	469	6	using	use	VERB
fsr-3531	469	7	behavioral	behavioral	ADJ
fsr-3531	469	8	insights	insight	NOUN
fsr-3531	469	9	to	to	PART
fsr-3531	469	10	encourage	encourage	VERB
fsr-3531	469	11	people	people	NOUN
fsr-3531	469	12	to	to	PART
fsr-3531	469	13	participate	participate	VERB
fsr-3531	469	14	.	.	PUNCT
fsr-3531	470	1	opre	opre	ADJ
fsr-3531	470	2	report	report	NOUN
fsr-3531	470	3	2015	2015	NUM
fsr-3531	470	4	-	-	SYM
fsr-3531	470	5	75	75	NUM
fsr-3531	470	6	.	.	PUNCT
fsr-3531	471	1	washington	washington	PROPN
fsr-3531	471	2	,	,	PUNCT
fsr-3531	471	3	dc	dc	PROPN
fsr-3531	471	4	:	:	PUNCT
fsr-3531	471	5	office	office	NOUN
fsr-3531	471	6	of	of	ADP
fsr-3531	471	7	planning	planning	NOUN
fsr-3531	471	8	,	,	PUNCT
fsr-3531	471	9	research	research	NOUN
fsr-3531	471	10	and	and	CCONJ
fsr-3531	471	11	evaluation	evaluation	NOUN
fsr-3531	471	12	,	,	PUNCT
fsr-3531	471	13	administration	administration	NOUN
fsr-3531	471	14	for	for	ADP
fsr-3531	471	15	children	child	NOUN
fsr-3531	471	16	and	and	CCONJ
fsr-3531	471	17	families	family	NOUN
fsr-3531	471	18	,	,	PUNCT
fsr-3531	471	19	u.s	u.s	PROPN
fsr-3531	471	20	.	.	PROPN
fsr-3531	471	21	department	department	PROPN
fsr-3531	471	22	of	of	ADP
fsr-3531	471	23	health	health	PROPN
fsr-3531	471	24	and	and	CCONJ
fsr-3531	471	25	human	human	PROPN
fsr-3531	471	26	services	service	NOUN
fsr-3531	471	27	.	.	PUNCT
fsr-3531	472	1	hastings	hastings	PROPN
fsr-3531	472	2	,	,	PUNCT
fsr-3531	472	3	j.	j.	PROPN
fsr-3531	472	4	,	,	PUNCT
fsr-3531	472	5	madrian	madrian	PROPN
fsr-3531	472	6	,	,	PUNCT
fsr-3531	472	7	b.	b.	PROPN
fsr-3531	472	8	,	,	PUNCT
fsr-3531	472	9	&	&	CCONJ
fsr-3531	472	10	skimmyhorn	skimmyhorn	PROPN
fsr-3531	472	11	,	,	PUNCT
fsr-3531	472	12	w.	w.	PROPN
fsr-3531	472	13	(	(	PUNCT
fsr-3531	472	14	2013	2013	NUM
fsr-3531	472	15	)	)	PUNCT
fsr-3531	472	16	.	.	PUNCT
fsr-3531	473	1	financial	financial	ADJ
fsr-3531	473	2	literacy	literacy	NOUN
fsr-3531	473	3	,	,	PUNCT
fsr-3531	473	4	financial	financial	ADJ
fsr-3531	473	5	education	education	NOUN
fsr-3531	473	6	,	,	PUNCT
fsr-3531	473	7	and	and	CCONJ
fsr-3531	473	8	economic	economic	ADJ
fsr-3531	473	9	outcomes	outcome	NOUN
fsr-3531	473	10	.	.	PUNCT
fsr-3531	474	1	annual	annual	ADJ
fsr-3531	474	2	review	review	NOUN
fsr-3531	474	3	of	of	ADP
fsr-3531	474	4	economics	economic	NOUN
fsr-3531	474	5	,	,	PUNCT
fsr-3531	474	6	5	5	NUM
fsr-3531	474	7	,	,	PUNCT
fsr-3531	474	8	347–373	347–373	NUM
fsr-3531	474	9	.	.	PUNCT
fsr-3531	474	10	available	available	ADJ
fsr-3531	474	11	at	at	ADP
fsr-3531	474	12	:	:	PUNCT
fsr-3531	474	13	https://doi.org/10.1146/annurev-economics-082312-125807	https://doi.org/10.1146/annurev-economics-082312-125807	PROPN
fsr-3531	474	14	knoll	knoll	PROPN
fsr-3531	474	15	,	,	PUNCT
fsr-3531	474	16	m.	m.	NOUN
fsr-3531	474	17	,	,	PUNCT
fsr-3531	474	18	&	&	CCONJ
fsr-3531	474	19	houts	hout	NOUN
fsr-3531	474	20	,	,	PUNCT
fsr-3531	474	21	c.	c.	NOUN
fsr-3531	474	22	(	(	PUNCT
fsr-3531	474	23	2012	2012	NUM
fsr-3531	474	24	)	)	PUNCT
fsr-3531	474	25	.	.	PUNCT
fsr-3531	475	1	the	the	DET
fsr-3531	475	2	financial	financial	ADJ
fsr-3531	475	3	knowledge	knowledge	NOUN
fsr-3531	475	4	scale	scale	NOUN
fsr-3531	475	5	:	:	PUNCT
fsr-3531	475	6	an	an	DET
fsr-3531	475	7	application	application	NOUN
fsr-3531	475	8	of	of	ADP
fsr-3531	475	9	item	item	NOUN
fsr-3531	475	10	response	response	NOUN
fsr-3531	475	11	theory	theory	NOUN
fsr-3531	475	12	to	to	ADP
fsr-3531	475	13	the	the	DET
fsr-3531	475	14	assessment	assessment	NOUN
fsr-3531	475	15	of	of	ADP
fsr-3531	475	16	financial	financial	ADJ
fsr-3531	475	17	literacy	literacy	NOUN
fsr-3531	475	18	.	.	PUNCT
fsr-3531	476	1	journal	journal	NOUN
fsr-3531	476	2	of	of	ADP
fsr-3531	476	3	consumer	consumer	NOUN
fsr-3531	476	4	affairs	affair	NOUN
fsr-3531	476	5	,	,	PUNCT
fsr-3531	476	6	46	46	NUM
fsr-3531	476	7	,	,	PUNCT
fsr-3531	476	8	381–410	381–410	NUM
fsr-3531	476	9	.	.	PUNCT
fsr-3531	476	10	available	available	ADJ
fsr-3531	476	11	at	at	ADP
fsr-3531	476	12	:	:	PUNCT
fsr-3531	476	13	https://doi.org/	https://doi.org/	NOUN
fsr-3531	476	14	10.1111	10.1111	NUM
fsr-3531	476	15	/	/	SYM
fsr-3531	476	16	j.1745	j.1745	NOUN
fsr-3531	476	17	-	-	PUNCT
fsr-3531	476	18	6606.2012.01241.x	6606.2012.01241.x	NUM
fsr-3531	476	19	lusardi	lusardi	NOUN
fsr-3531	476	20	,	,	PUNCT
fsr-3531	476	21	a.	a.	NOUN
fsr-3531	476	22	(	(	PUNCT
fsr-3531	476	23	2004	2004	NUM
fsr-3531	476	24	)	)	PUNCT
fsr-3531	476	25	.	.	PUNCT
fsr-3531	477	1	saving	save	VERB
fsr-3531	477	2	and	and	CCONJ
fsr-3531	477	3	the	the	DET
fsr-3531	477	4	effectiveness	effectiveness	NOUN
fsr-3531	477	5	of	of	ADP
fsr-3531	477	6	financial	financial	ADJ
fsr-3531	477	7	education	education	NOUN
fsr-3531	477	8	.	.	PUNCT
fsr-3531	478	1	in	in	ADP
fsr-3531	478	2	:	:	PUNCT
fsr-3531	478	3	o.	o.	PROPN
fsr-3531	478	4	mitchell	mitchell	PROPN
fsr-3531	478	5	&	&	CCONJ
fsr-3531	478	6	s.	s.	PROPN
fsr-3531	478	7	utkus	utkus	PROPN
fsr-3531	478	8	(	(	PUNCT
fsr-3531	478	9	eds	ed	NOUN
fsr-3531	478	10	.	.	PUNCT
fsr-3531	478	11	)	)	PUNCT
fsr-3531	478	12	,	,	PUNCT
fsr-3531	478	13	pension	pension	NOUN
fsr-3531	478	14	design	design	NOUN
fsr-3531	478	15	and	and	CCONJ
fsr-3531	478	16	structure	structure	NOUN
fsr-3531	478	17	:	:	PUNCT
fsr-3531	478	18	new	new	ADJ
fsr-3531	478	19	lessons	lesson	NOUN
fsr-3531	478	20	from	from	ADP
fsr-3531	478	21	behavioral	behavioral	ADJ
fsr-3531	478	22	finance	finance	NOUN
fsr-3531	478	23	(	(	PUNCT
fsr-3531	478	24	pp	pp	ADV
fsr-3531	478	25	.	.	PUNCT
fsr-3531	479	1	157–184	157–184	NUM
fsr-3531	479	2	)	)	PUNCT
fsr-3531	479	3	.	.	PUNCT
fsr-3531	480	1	oxford	oxford	NOUN
fsr-3531	480	2	:	:	PUNCT
fsr-3531	480	3	oxford	oxford	PROPN
fsr-3531	480	4	university	university	PROPN
fsr-3531	480	5	press	press	NOUN
fsr-3531	480	6	.	.	PUNCT
fsr-3531	481	1	lusardi	lusardi	PROPN
fsr-3531	481	2	,	,	PUNCT
fsr-3531	481	3	a.	a.	PROPN
fsr-3531	481	4	,	,	PUNCT
fsr-3531	481	5	&	&	CCONJ
fsr-3531	481	6	mitchell	mitchell	PROPN
fsr-3531	481	7	,	,	PUNCT
fsr-3531	481	8	o.	o.	PROPN
fsr-3531	481	9	(	(	PUNCT
fsr-3531	481	10	2011	2011	NUM
fsr-3531	481	11	)	)	PUNCT
fsr-3531	481	12	.	.	PUNCT
fsr-3531	482	1	the	the	DET
fsr-3531	482	2	outlook	outlook	NOUN
fsr-3531	482	3	for	for	ADP
fsr-3531	482	4	financial	financial	ADJ
fsr-3531	482	5	literacy	literacy	NOUN
fsr-3531	482	6	.	.	PUNCT
fsr-3531	483	1	in	in	ADP
fsr-3531	483	2	:	:	PUNCT
fsr-3531	483	3	o.	o.	PROPN
fsr-3531	483	4	mitchell	mitchell	PROPN
fsr-3531	483	5	&	&	CCONJ
fsr-3531	483	6	a.	a.	PROPN
fsr-3531	483	7	lusardi	lusardi	PROPN
fsr-3531	483	8	(	(	PUNCT
fsr-3531	483	9	eds	ed	NOUN
fsr-3531	483	10	.	.	PUNCT
fsr-3531	483	11	)	)	PUNCT
fsr-3531	483	12	,	,	PUNCT
fsr-3531	483	13	financial	financial	ADJ
fsr-3531	483	14	literacy	literacy	NOUN
fsr-3531	483	15	:	:	PUNCT
fsr-3531	483	16	implications	implication	NOUN
fsr-3531	483	17	for	for	ADP
fsr-3531	483	18	retirement	retirement	NOUN
fsr-3531	483	19	security	security	NOUN
fsr-3531	483	20	and	and	CCONJ
fsr-3531	483	21	the	the	DET
fsr-3531	483	22	financial	financial	ADJ
fsr-3531	483	23	marketplace	marketplace	NOUN
fsr-3531	483	24	(	(	PUNCT
fsr-3531	483	25	pp	pp	ADJ
fsr-3531	483	26	.	.	PUNCT
fsr-3531	483	27	1–16	1–16	NOUN
fsr-3531	483	28	)	)	PUNCT
fsr-3531	483	29	.	.	PUNCT
fsr-3531	484	1	oxford	oxford	NOUN
fsr-3531	484	2	:	:	PUNCT
fsr-3531	484	3	oxford	oxford	PROPN
fsr-3531	484	4	university	university	PROPN
fsr-3531	484	5	press	press	NOUN
fsr-3531	484	6	.	.	PUNCT
fsr-3531	485	1	lusardi	lusardi	PROPN
fsr-3531	485	2	,	,	PUNCT
fsr-3531	485	3	a.	a.	PROPN
fsr-3531	485	4	,	,	PUNCT
fsr-3531	485	5	&	&	CCONJ
fsr-3531	485	6	mitchell	mitchell	PROPN
fsr-3531	485	7	,	,	PUNCT
fsr-3531	485	8	o.	o.	PROPN
fsr-3531	485	9	(	(	PUNCT
fsr-3531	485	10	2014	2014	NUM
fsr-3531	485	11	)	)	PUNCT
fsr-3531	485	12	.	.	PUNCT
fsr-3531	486	1	the	the	DET
fsr-3531	486	2	economic	economic	ADJ
fsr-3531	486	3	importance	importance	NOUN
fsr-3531	486	4	of	of	ADP
fsr-3531	486	5	financial	financial	ADJ
fsr-3531	486	6	literacy	literacy	NOUN
fsr-3531	486	7	:	:	PUNCT
fsr-3531	486	8	theory	theory	NOUN
fsr-3531	486	9	and	and	CCONJ
fsr-3531	486	10	evidence	evidence	NOUN
fsr-3531	486	11	.	.	PUNCT
fsr-3531	487	1	journal	journal	NOUN
fsr-3531	487	2	of	of	ADP
fsr-3531	487	3	economic	economic	ADJ
fsr-3531	487	4	literature	literature	NOUN
fsr-3531	487	5	,	,	PUNCT
fsr-3531	487	6	52	52	NUM
fsr-3531	487	7	,	,	PUNCT
fsr-3531	487	8	5–44	5–44	PROPN
fsr-3531	487	9	.	.	PROPN
fsr-3531	487	10	available	available	ADJ
fsr-3531	487	11	at	at	ADP
fsr-3531	487	12	:	:	PUNCT
fsr-3531	487	13	https://doi.org/10.1257/jel.52.1.5	https://doi.org/10.1257/jel.52.1.5	PROPN
fsr-3531	487	14	lusardi	lusardi	PROPN
fsr-3531	487	15	,	,	PUNCT
fsr-3531	487	16	a.	a.	PROPN
fsr-3531	487	17	,	,	PUNCT
fsr-3531	487	18	mitchell	mitchell	PROPN
fsr-3531	487	19	,	,	PUNCT
fsr-3531	487	20	o.	o.	PROPN
fsr-3531	487	21	,	,	PUNCT
fsr-3531	487	22	&	&	CCONJ
fsr-3531	487	23	curto	curto	PROPN
fsr-3531	487	24	,	,	PUNCT
fsr-3531	487	25	v.	v.	PROPN
fsr-3531	487	26	(	(	PUNCT
fsr-3531	487	27	2014	2014	NUM
fsr-3531	487	28	)	)	PUNCT
fsr-3531	487	29	.	.	PUNCT
fsr-3531	488	1	financial	financial	ADJ
fsr-3531	488	2	literacy	literacy	NOUN
fsr-3531	488	3	and	and	CCONJ
fsr-3531	488	4	financial	financial	ADJ
fsr-3531	488	5	sophistication	sophistication	NOUN
fsr-3531	488	6	in	in	ADP
fsr-3531	488	7	the	the	DET
fsr-3531	488	8	older	old	ADJ
fsr-3531	488	9	population	population	NOUN
fsr-3531	488	10	.	.	PUNCT
fsr-3531	489	1	journal	journal	PROPN
fsr-3531	489	2	of	of	ADP
fsr-3531	489	3	pension	pension	NOUN
fsr-3531	489	4	economics	economic	NOUN
fsr-3531	489	5	&	&	CCONJ
fsr-3531	489	6	finance	finance	PROPN
fsr-3531	489	7	,	,	PUNCT
fsr-3531	489	8	13	13	NUM
fsr-3531	489	9	,	,	PUNCT
fsr-3531	489	10	347–366	347–366	NUM
fsr-3531	489	11	.	.	PUNCT
fsr-3531	489	12	available	available	ADJ
fsr-3531	489	13	at	at	ADP
fsr-3531	489	14	:	:	PUNCT
fsr-3531	489	15	https://doi.org/10.1017/s1474747214000031	https://doi.org/10.1017/s1474747214000031	NUM
fsr-3531	489	16	lusardi	lusardi	PROPN
fsr-3531	489	17	,	,	PUNCT
fsr-3531	489	18	a.	a.	PROPN
fsr-3531	489	19	,	,	PUNCT
fsr-3531	489	20	michaud	michaud	PROPN
fsr-3531	489	21	,	,	PUNCT
fsr-3531	489	22	p.-c	p.-c	PROPN
fsr-3531	489	23	.	.	PUNCT
fsr-3531	489	24	,	,	PUNCT
fsr-3531	489	25	&	&	CCONJ
fsr-3531	489	26	mitchell	mitchell	PROPN
fsr-3531	489	27	,	,	PUNCT
fsr-3531	489	28	o.	o.	PROPN
fsr-3531	489	29	(	(	PUNCT
fsr-3531	489	30	2017	2017	NUM
fsr-3531	489	31	)	)	PUNCT
fsr-3531	489	32	.	.	PUNCT
fsr-3531	490	1	optimal	optimal	ADJ
fsr-3531	490	2	financial	financial	ADJ
fsr-3531	490	3	knowledge	knowledge	NOUN
fsr-3531	490	4	and	and	CCONJ
fsr-3531	490	5	wealth	wealth	NOUN
fsr-3531	490	6	inequality	inequality	NOUN
fsr-3531	490	7	.	.	PUNCT
fsr-3531	491	1	the	the	DET
fsr-3531	491	2	journal	journal	NOUN
fsr-3531	491	3	of	of	ADP
fsr-3531	491	4	political	political	ADJ
fsr-3531	491	5	economy	economy	NOUN
fsr-3531	491	6	,	,	PUNCT
fsr-3531	491	7	125	125	NUM
fsr-3531	491	8	,	,	PUNCT
fsr-3531	491	9	431–477	431–477	NUM
fsr-3531	491	10	.	.	PUNCT
fsr-3531	491	11	available	available	ADJ
fsr-3531	491	12	at	at	ADP
fsr-3531	491	13	:	:	PUNCT
fsr-3531	491	14	https://doi.org/10.1086/690950	https://doi.org/10.1086/690950	NOUN
fsr-3531	491	15	maki	maki	PROPN
fsr-3531	491	16	,	,	PUNCT
fsr-3531	491	17	d.	d.	PROPN
fsr-3531	491	18	(	(	PUNCT
fsr-3531	491	19	2004	2004	NUM
fsr-3531	491	20	)	)	PUNCT
fsr-3531	491	21	.	.	PUNCT
fsr-3531	492	1	financial	financial	ADJ
fsr-3531	492	2	education	education	NOUN
fsr-3531	492	3	and	and	CCONJ
fsr-3531	492	4	private	private	ADJ
fsr-3531	492	5	pensions	pension	NOUN
fsr-3531	492	6	.	.	PUNCT
fsr-3531	493	1	in	in	ADP
fsr-3531	493	2	w.	w.	PROPN
fsr-3531	493	3	gale	gale	PROPN
fsr-3531	493	4	,	,	PUNCT
fsr-3531	493	5	j.	j.	PROPN
fsr-3531	493	6	shoven	shoven	PROPN
fsr-3531	493	7	,	,	PUNCT
fsr-3531	493	8	&	&	CCONJ
fsr-3531	493	9	m.	m.	PROPN
fsr-3531	493	10	warshawsky	warshawsky	PROPN
fsr-3531	493	11	(	(	PUNCT
fsr-3531	493	12	eds	ed	NOUN
fsr-3531	493	13	.	.	PUNCT
fsr-3531	493	14	)	)	PUNCT
fsr-3531	493	15	,	,	PUNCT
fsr-3531	493	16	private	private	ADJ
fsr-3531	493	17	pensions	pension	NOUN
fsr-3531	493	18	and	and	CCONJ
fsr-3531	493	19	public	public	ADJ
fsr-3531	493	20	policies	policy	NOUN
fsr-3531	493	21	(	(	PUNCT
fsr-3531	493	22	pp	pp	ADJ
fsr-3531	493	23	.	.	PUNCT
fsr-3531	494	1	126–139	126–139	NUM
fsr-3531	494	2	)	)	PUNCT
fsr-3531	494	3	.	.	PUNCT
fsr-3531	495	1	washington	washington	PROPN
fsr-3531	495	2	,	,	PUNCT
fsr-3531	495	3	dc	dc	PROPN
fsr-3531	495	4	:	:	PUNCT
fsr-3531	495	5	brookings	brookings	PROPN
fsr-3531	495	6	institution	institution	NOUN
fsr-3531	495	7	press	press	NOUN
fsr-3531	495	8	.	.	PUNCT
fsr-3531	496	1	schmeiser	schmeiser	ADJ
fsr-3531	496	2	,	,	PUNCT
fsr-3531	496	3	m.	m.	NOUN
fsr-3531	496	4	,	,	PUNCT
fsr-3531	496	5	&	&	CCONJ
fsr-3531	496	6	seligman	seligman	PROPN
fsr-3531	496	7	,	,	PUNCT
fsr-3531	496	8	j.	j.	PROPN
fsr-3531	496	9	(	(	PUNCT
fsr-3531	496	10	2013	2013	NUM
fsr-3531	496	11	)	)	PUNCT
fsr-3531	496	12	.	.	PUNCT
fsr-3531	497	1	using	use	VERB
fsr-3531	497	2	the	the	DET
fsr-3531	497	3	right	right	ADJ
fsr-3531	497	4	yardstick	yardstick	NOUN
fsr-3531	497	5	:	:	PUNCT
fsr-3531	497	6	assessing	assess	VERB
fsr-3531	497	7	financial	financial	ADJ
fsr-3531	497	8	measures	measure	NOUN
fsr-3531	497	9	by	by	ADP
fsr-3531	497	10	way	way	NOUN
fsr-3531	497	11	of	of	ADP
fsr-3531	497	12	financial	financial	ADJ
fsr-3531	497	13	well	well	NOUN
fsr-3531	497	14	-	-	PUNCT
fsr-3531	497	15	being	being	NOUN
fsr-3531	497	16	.	.	PUNCT
fsr-3531	498	1	journal	journal	PROPN
fsr-3531	498	2	of	of	ADP
fsr-3531	498	3	consumer	consumer	NOUN
fsr-3531	498	4	affairs	affair	NOUN
fsr-3531	498	5	,	,	PUNCT
fsr-3531	498	6	47	47	NUM
fsr-3531	498	7	,	,	PUNCT
fsr-3531	498	8	243–262	243–262	NUM
fsr-3531	498	9	.	.	PUNCT
fsr-3531	499	1	available	available	ADJ
fsr-3531	499	2	at	at	ADP
fsr-3531	499	3	:	:	PUNCT
fsr-3531	499	4	https://doi.org/10.1111/joca.12010	https://doi.org/10.1111/joca.12010	PROPN
fsr-3531	499	5	b.	b.	PROPN
fsr-3531	499	6	j.	j.	PROPN
fsr-3531	499	7	davis	davis	PROPN
fsr-3531	499	8	et	et	PROPN
fsr-3531	499	9	al	al	PROPN
fsr-3531	499	10	.	.	PUNCT
fsr-3531	499	11	/	/	SYM
fsr-3531	499	12	financial	financial	ADJ
fsr-3531	499	13	services	service	NOUN
fsr-3531	499	14	review	review	VERB
fsr-3531	499	15	31	31	NUM
fsr-3531	499	16	(	(	PUNCT
fsr-3531	499	17	2023	2023	NUM
fsr-3531	499	18	)	)	PUNCT
fsr-3531	499	19	133–150	133–150	NUM
fsr-3531	499	20	149	149	NUM
fsr-3531	499	21	seligman	seligman	NOUN
fsr-3531	499	22	,	,	PUNCT
fsr-3531	499	23	j.	j.	PROPN
fsr-3531	499	24	,	,	PUNCT
fsr-3531	499	25	&	&	CCONJ
fsr-3531	499	26	bose	bose	PROPN
fsr-3531	499	27	,	,	PUNCT
fsr-3531	499	28	r.	r.	PROPN
fsr-3531	499	29	(	(	PUNCT
fsr-3531	499	30	2012	2012	NUM
fsr-3531	499	31	)	)	PUNCT
fsr-3531	499	32	.	.	PUNCT
fsr-3531	500	1	learning	learn	VERB
fsr-3531	500	2	by	by	ADP
fsr-3531	500	3	doing	do	VERB
fsr-3531	500	4	:	:	PUNCT
fsr-3531	500	5	active	active	ADJ
fsr-3531	500	6	employer	employer	NOUN
fsr-3531	500	7	sponsored	sponsor	VERB
fsr-3531	500	8	retirement	retirement	NOUN
fsr-3531	500	9	savings	saving	NOUN
fsr-3531	500	10	plan	plan	NOUN
fsr-3531	500	11	participation	participation	NOUN
fsr-3531	500	12	and	and	CCONJ
fsr-3531	500	13	household	household	NOUN
fsr-3531	500	14	wealth	wealth	NOUN
fsr-3531	500	15	accumulation	accumulation	NOUN
fsr-3531	500	16	.	.	PUNCT
fsr-3531	501	1	the	the	DET
fsr-3531	501	2	quarterly	quarterly	ADJ
fsr-3531	501	3	review	review	NOUN
fsr-3531	501	4	of	of	ADP
fsr-3531	501	5	economics	economic	NOUN
fsr-3531	501	6	and	and	CCONJ
fsr-3531	501	7	finance	finance	NOUN
fsr-3531	501	8	,	,	PUNCT
fsr-3531	501	9	52	52	NUM
fsr-3531	501	10	,	,	PUNCT
fsr-3531	501	11	162–172	162–172	NUM
fsr-3531	501	12	.	.	PUNCT
fsr-3531	501	13	available	available	ADJ
fsr-3531	501	14	at	at	ADP
fsr-3531	501	15	:	:	PUNCT
fsr-3531	501	16	https://doi.org/10.1016/j.qref.2012.02.002	https://doi.org/10.1016/j.qref.2012.02.002	NOUN
fsr-3531	501	17	skimmyhorn	skimmyhorn	PROPN
fsr-3531	501	18	,	,	PUNCT
fsr-3531	501	19	w.	w.	PROPN
fsr-3531	501	20	,	,	PUNCT
fsr-3531	501	21	davies	davies	PROPN
fsr-3531	501	22	,	,	PUNCT
fsr-3531	501	23	e.	e.	PROPN
fsr-3531	501	24	,	,	PUNCT
fsr-3531	501	25	mun	mun	PROPN
fsr-3531	501	26	,	,	PUNCT
fsr-3531	501	27	d.	d.	PROPN
fsr-3531	501	28	,	,	PUNCT
fsr-3531	501	29	&	&	CCONJ
fsr-3531	501	30	mitchell	mitchell	PROPN
fsr-3531	501	31	,	,	PUNCT
fsr-3531	501	32	b.	b.	PROPN
fsr-3531	501	33	(	(	PUNCT
fsr-3531	501	34	2016	2016	NUM
fsr-3531	501	35	)	)	PUNCT
fsr-3531	501	36	.	.	PUNCT
fsr-3531	502	1	assessing	assess	VERB
fsr-3531	502	2	financial	financial	ADJ
fsr-3531	502	3	education	education	NOUN
fsr-3531	502	4	methods	method	NOUN
fsr-3531	502	5	:	:	PUNCT
fsr-3531	502	6	principles	principle	NOUN
fsr-3531	502	7	vs.	vs.	ADP
fsr-3531	502	8	rules	rule	NOUN
fsr-3531	502	9	-	-	PUNCT
fsr-3531	502	10	of	of	ADP
fsr-3531	502	11	-	-	PUNCT
fsr-3531	502	12	thumb	thumb	NOUN
fsr-3531	502	13	approach	approach	NOUN
fsr-3531	502	14	.	.	PUNCT
fsr-3531	503	1	the	the	DET
fsr-3531	503	2	journal	journal	NOUN
fsr-3531	503	3	of	of	ADP
fsr-3531	503	4	economic	economic	ADJ
fsr-3531	503	5	education	education	NOUN
fsr-3531	503	6	,	,	PUNCT
fsr-3531	503	7	47	47	NUM
fsr-3531	503	8	,	,	PUNCT
fsr-3531	503	9	193–210	193–210	NUM
fsr-3531	503	10	.	.	PUNCT
fsr-3531	503	11	available	available	ADJ
fsr-3531	503	12	at	at	ADP
fsr-3531	503	13	:	:	PUNCT
fsr-3531	503	14	https://doi.org/	https://doi.org/	NOUN
fsr-3531	503	15	10.1080/00220485.2016.1179145	10.1080/00220485.2016.1179145	NUM
fsr-3531	503	16	stoddard	stoddard	NOUN
fsr-3531	503	17	,	,	PUNCT
fsr-3531	503	18	c.	c.	PROPN
fsr-3531	503	19	,	,	PUNCT
fsr-3531	503	20	&	&	CCONJ
fsr-3531	503	21	urban	urban	PROPN
fsr-3531	503	22	,	,	PUNCT
fsr-3531	503	23	c.	c.	PROPN
fsr-3531	503	24	(	(	PUNCT
fsr-3531	503	25	2020	2020	NUM
fsr-3531	503	26	)	)	PUNCT
fsr-3531	503	27	.	.	PUNCT
fsr-3531	504	1	the	the	DET
fsr-3531	504	2	effects	effect	NOUN
fsr-3531	504	3	of	of	ADP
fsr-3531	504	4	state	state	NOUN
fsr-3531	504	5	mandated	mandate	VERB
fsr-3531	504	6	financial	financial	ADJ
fsr-3531	504	7	education	education	NOUN
fsr-3531	504	8	on	on	ADP
fsr-3531	504	9	college	college	NOUN
fsr-3531	504	10	financing	financing	NOUN
fsr-3531	504	11	behaviors	behavior	NOUN
fsr-3531	504	12	.	.	PUNCT
fsr-3531	505	1	journal	journal	NOUN
fsr-3531	505	2	of	of	ADP
fsr-3531	505	3	money	money	NOUN
fsr-3531	505	4	,	,	PUNCT
fsr-3531	505	5	credit	credit	NOUN
fsr-3531	505	6	and	and	CCONJ
fsr-3531	505	7	banking	banking	NOUN
fsr-3531	505	8	,	,	PUNCT
fsr-3531	505	9	52	52	NUM
fsr-3531	505	10	,	,	PUNCT
fsr-3531	505	11	747–776	747–776	NUM
fsr-3531	505	12	.	.	PUNCT
fsr-3531	505	13	available	available	ADJ
fsr-3531	505	14	at	at	ADP
fsr-3531	505	15	:	:	PUNCT
fsr-3531	505	16	https://doi.org/10.1111/jmcb.12624	https://doi.org/10.1111/jmcb.12624	NOUN
fsr-3531	505	17	urban	urban	ADJ
fsr-3531	505	18	,	,	PUNCT
fsr-3531	505	19	c.	c.	NOUN
fsr-3531	505	20	,	,	PUNCT
fsr-3531	505	21	schmeiser	schmeiser	ADJ
fsr-3531	505	22	,	,	PUNCT
fsr-3531	505	23	m.	m.	NOUN
fsr-3531	505	24	,	,	PUNCT
fsr-3531	505	25	collins	collins	PROPN
fsr-3531	505	26	,	,	PUNCT
fsr-3531	505	27	j.	j.	PROPN
fsr-3531	505	28	,	,	PUNCT
fsr-3531	505	29	&	&	CCONJ
fsr-3531	505	30	brown	brown	PROPN
fsr-3531	505	31	,	,	PUNCT
fsr-3531	505	32	a.	a.	NOUN
fsr-3531	505	33	(	(	PUNCT
fsr-3531	505	34	2018	2018	NUM
fsr-3531	505	35	)	)	PUNCT
fsr-3531	505	36	.	.	PUNCT
fsr-3531	506	1	the	the	DET
fsr-3531	506	2	effects	effect	NOUN
fsr-3531	506	3	of	of	ADP
fsr-3531	506	4	high	high	ADJ
fsr-3531	506	5	school	school	NOUN
fsr-3531	506	6	personal	personal	ADJ
fsr-3531	506	7	financial	financial	ADJ
fsr-3531	506	8	education	education	NOUN
fsr-3531	506	9	policies	policy	NOUN
fsr-3531	506	10	on	on	ADP
fsr-3531	506	11	financial	financial	ADJ
fsr-3531	506	12	behaviors	behavior	NOUN
fsr-3531	506	13	.	.	PUNCT
fsr-3531	507	1	economics	economic	NOUN
fsr-3531	507	2	of	of	ADP
fsr-3531	507	3	education	education	PROPN
fsr-3531	507	4	review	review	NOUN
fsr-3531	507	5	,	,	PUNCT
fsr-3531	507	6	78	78	NUM
fsr-3531	507	7	,	,	PUNCT
fsr-3531	507	8	101786	101786	NUM
fsr-3531	507	9	.	.	PUNCT
fsr-3531	508	1	yakoboski	yakoboski	PROPN
fsr-3531	508	2	,	,	PUNCT
fsr-3531	508	3	p.	p.	PROPN
fsr-3531	508	4	,	,	PUNCT
fsr-3531	508	5	lusardi	lusardi	PROPN
fsr-3531	508	6	,	,	PUNCT
fsr-3531	508	7	a.	a.	PROPN
fsr-3531	508	8	,	,	PUNCT
fsr-3531	508	9	&	&	CCONJ
fsr-3531	508	10	hasler	hasler	NOUN
fsr-3531	508	11	,	,	PUNCT
fsr-3531	508	12	a.	a.	NOUN
fsr-3531	508	13	(	(	PUNCT
fsr-3531	508	14	2019	2019	NUM
fsr-3531	508	15	)	)	PUNCT
fsr-3531	508	16	.	.	PUNCT
fsr-3531	509	1	financial	financial	ADJ
fsr-3531	509	2	literacy	literacy	NOUN
fsr-3531	509	3	in	in	ADP
fsr-3531	509	4	the	the	DET
fsr-3531	509	5	united	united	PROPN
fsr-3531	509	6	states	states	PROPN
fsr-3531	509	7	and	and	CCONJ
fsr-3531	509	8	its	its	PRON
fsr-3531	509	9	link	link	NOUN
fsr-3531	509	10	to	to	ADP
fsr-3531	509	11	financial	financial	ADJ
fsr-3531	509	12	wellness	wellness	NOUN
fsr-3531	509	13	.	.	PUNCT
fsr-3531	510	1	the	the	DET
fsr-3531	510	2	2019	2019	NUM
fsr-3531	510	3	tiaa	tiaa	NOUN
fsr-3531	510	4	institute	institute	NOUN
fsr-3531	510	5	-	-	PUNCT
fsr-3531	510	6	gflec	gflec	VERB
fsr-3531	510	7	personal	personal	ADJ
fsr-3531	510	8	finance	finance	NOUN
fsr-3531	510	9	index	index	NOUN
fsr-3531	510	10	.	.	PUNCT
fsr-3531	511	1	charlotte	charlotte	PROPN
fsr-3531	511	2	,	,	PUNCT
fsr-3531	511	3	nc	nc	PROPN
fsr-3531	511	4	:	:	PUNCT
fsr-3531	511	5	tiaa	tiaa	ADJ
fsr-3531	511	6	institute	institute	NOUN
fsr-3531	511	7	.	.	PUNCT
fsr-3531	512	1	150	150	NUM
fsr-3531	512	2	b.	b.	PROPN
fsr-3531	512	3	j.	j.	PROPN
fsr-3531	512	4	davis	davis	PROPN
fsr-3531	512	5	et	et	PROPN
fsr-3531	512	6	al	al	PROPN
fsr-3531	512	7	.	.	PUNCT
fsr-3531	512	8	/	/	SYM
fsr-3531	512	9	financial	financial	ADJ
fsr-3531	512	10	services	service	NOUN
fsr-3531	512	11	review	review	VERB
fsr-3531	512	12	31	31	NUM
fsr-3531	512	13	(	(	PUNCT
fsr-3531	512	14	2023	2023	NUM
fsr-3531	512	15	)	)	PUNCT
fsr-3531	512	16	133–150	133–150	NUM