id	sid	tid	token	lemma	pos
fsr-3532	1	1	finser_31	finser_31	PROPN
fsr-3532	1	2	-	-	PUNCT
fsr-3532	1	3	2_complete_issue	2_complete_issue	PROPN
fsr-3532	1	4	timing	timing	NOUN
fsr-3532	1	5	and	and	CCONJ
fsr-3532	1	6	frequency	frequency	NOUN
fsr-3532	1	7	of	of	ADP
fsr-3532	1	8	financial	financial	ADJ
fsr-3532	1	9	education	education	NOUN
fsr-3532	1	10	and	and	CCONJ
fsr-3532	1	11	positive	positive	ADJ
fsr-3532	1	12	financial	financial	ADJ
fsr-3532	1	13	behaviors	behavior	NOUN
fsr-3532	1	14	lua	lua	PROPN
fsr-3532	1	15	a.	a.	PROPN
fsr-3532	1	16	v.	v.	PROPN
fsr-3532	1	17	augustina	augustina	PROPN
fsr-3532	1	18	,	,	PUNCT
fsr-3532	1	19	*	*	PROPN
fsr-3532	1	20	,	,	PUNCT
fsr-3532	1	21	terrance	terrance	PROPN
fsr-3532	1	22	k.	k.	PROPN
fsr-3532	1	23	martinb	martinb	PROPN
fsr-3532	1	24	aslippery	aslippery	PROPN
fsr-3532	1	25	rock	rock	PROPN
fsr-3532	1	26	university	university	PROPN
fsr-3532	1	27	,	,	PUNCT
fsr-3532	1	28	1	1	NUM
fsr-3532	1	29	morrow	morrow	NOUN
fsr-3532	1	30	way	way	NOUN
fsr-3532	1	31	,	,	PUNCT
fsr-3532	1	32	slippery	slippery	ADJ
fsr-3532	1	33	rock	rock	NOUN
fsr-3532	1	34	,	,	PUNCT
fsr-3532	1	35	pa	pa	PROPN
fsr-3532	1	36	,	,	PUNCT
fsr-3532	1	37	16057	16057	NUM
fsr-3532	1	38	,	,	PUNCT
fsr-3532	1	39	usa	usa	PROPN
fsr-3532	1	40	bwinston	bwinston	PROPN
fsr-3532	1	41	-	-	PUNCT
fsr-3532	1	42	salem	salem	NOUN
fsr-3532	1	43	state	state	NOUN
fsr-3532	1	44	university	university	NOUN
fsr-3532	1	45	,	,	PUNCT
fsr-3532	1	46	601	601	NUM
fsr-3532	1	47	s.	s.	PROPN
fsr-3532	1	48	martin	martin	PROPN
fsr-3532	1	49	luther	luther	PROPN
fsr-3532	1	50	king	king	PROPN
fsr-3532	1	51	jr	jr	PROPN
fsr-3532	1	52	.	.	PROPN
fsr-3532	1	53	drive	drive	PROPN
fsr-3532	1	54	,	,	PUNCT
fsr-3532	1	55	winston	winston	PROPN
fsr-3532	1	56	salem	salem	PROPN
fsr-3532	1	57	,	,	PUNCT
fsr-3532	1	58	nc	nc	PROPN
fsr-3532	1	59	27110	27110	NUM
fsr-3532	1	60	,	,	PUNCT
fsr-3532	1	61	usa	usa	PROPN
fsr-3532	1	62	abstract	abstract	PROPN
fsr-3532	1	63	the	the	DET
fsr-3532	1	64	association	association	NOUN
fsr-3532	1	65	between	between	ADP
fsr-3532	1	66	timing	timing	NOUN
fsr-3532	1	67	and	and	CCONJ
fsr-3532	1	68	frequency	frequency	NOUN
fsr-3532	1	69	of	of	ADP
fsr-3532	1	70	financial	financial	ADJ
fsr-3532	1	71	education	education	NOUN
fsr-3532	1	72	and	and	CCONJ
fsr-3532	1	73	financial	financial	ADJ
fsr-3532	1	74	behaviors	behavior	NOUN
fsr-3532	1	75	has	have	AUX
fsr-3532	1	76	not	not	PART
fsr-3532	1	77	been	be	AUX
fsr-3532	1	78	studied	study	VERB
fsr-3532	1	79	in	in	ADP
fsr-3532	1	80	tandem	tandem	PROPN
fsr-3532	1	81	.	.	PUNCT
fsr-3532	2	1	various	various	ADJ
fsr-3532	2	2	studies	study	NOUN
fsr-3532	2	3	indicate	indicate	VERB
fsr-3532	2	4	the	the	DET
fsr-3532	2	5	more	more	ADV
fsr-3532	2	6	financial	financial	ADJ
fsr-3532	2	7	education	education	NOUN
fsr-3532	2	8	individuals	individual	NOUN
fsr-3532	2	9	have	have	VERB
fsr-3532	2	10	,	,	PUNCT
fsr-3532	2	11	the	the	PRON
fsr-3532	2	12	better	well	ADJ
fsr-3532	2	13	their	their	PRON
fsr-3532	2	14	chances	chance	NOUN
fsr-3532	2	15	of	of	ADP
fsr-3532	2	16	making	make	VERB
fsr-3532	2	17	quality	quality	NOUN
fsr-3532	2	18	financial	financial	ADJ
fsr-3532	2	19	decisions	decision	NOUN
fsr-3532	2	20	.	.	PUNCT
fsr-3532	3	1	in	in	ADP
fsr-3532	3	2	addition	addition	NOUN
fsr-3532	3	3	to	to	ADP
fsr-3532	3	4	receiving	receive	VERB
fsr-3532	3	5	financial	financial	ADJ
fsr-3532	3	6	education	education	NOUN
fsr-3532	3	7	,	,	PUNCT
fsr-3532	3	8	the	the	DET
fsr-3532	3	9	timing	timing	NOUN
fsr-3532	3	10	and	and	CCONJ
fsr-3532	3	11	frequency	frequency	NOUN
fsr-3532	3	12	of	of	ADP
fsr-3532	3	13	that	that	DET
fsr-3532	3	14	education	education	NOUN
fsr-3532	3	15	may	may	AUX
fsr-3532	3	16	be	be	AUX
fsr-3532	3	17	relevant	relevant	ADJ
fsr-3532	3	18	to	to	ADP
fsr-3532	3	19	overall	overall	ADJ
fsr-3532	3	20	decision	decision	NOUN
fsr-3532	3	21	quality	quality	NOUN
fsr-3532	3	22	.	.	PUNCT
fsr-3532	4	1	early	early	ADJ
fsr-3532	4	2	and	and	CCONJ
fsr-3532	4	3	frequent	frequent	ADJ
fsr-3532	4	4	exposures	exposure	NOUN
fsr-3532	4	5	are	be	AUX
fsr-3532	4	6	expected	expect	VERB
fsr-3532	4	7	to	to	PART
fsr-3532	4	8	have	have	VERB
fsr-3532	4	9	a	a	DET
fsr-3532	4	10	compounding	compounding	NOUN
fsr-3532	4	11	effect	effect	NOUN
fsr-3532	4	12	on	on	ADP
fsr-3532	4	13	positive	positive	ADJ
fsr-3532	4	14	financial	financial	ADJ
fsr-3532	4	15	behaviors	behavior	NOUN
fsr-3532	4	16	.	.	PUNCT
fsr-3532	5	1	using	use	VERB
fsr-3532	5	2	the	the	DET
fsr-3532	5	3	2015	2015	NUM
fsr-3532	5	4	wave	wave	NOUN
fsr-3532	5	5	of	of	ADP
fsr-3532	5	6	the	the	DET
fsr-3532	5	7	national	national	ADJ
fsr-3532	5	8	financial	financial	ADJ
fsr-3532	5	9	capability	capability	NOUN
fsr-3532	5	10	study	study	NOUN
fsr-3532	5	11	,	,	PUNCT
fsr-3532	5	12	we	we	PRON
fsr-3532	5	13	found	find	VERB
fsr-3532	5	14	that	that	SCONJ
fsr-3532	5	15	the	the	DET
fsr-3532	5	16	timing	timing	NOUN
fsr-3532	5	17	and	and	CCONJ
fsr-3532	5	18	frequency	frequency	NOUN
fsr-3532	5	19	of	of	ADP
fsr-3532	5	20	financial	financial	ADJ
fsr-3532	5	21	education	education	NOUN
fsr-3532	5	22	are	be	AUX
fsr-3532	5	23	positively	positively	ADV
fsr-3532	5	24	associated	associate	VERB
fsr-3532	5	25	with	with	ADP
fsr-3532	5	26	positive	positive	ADJ
fsr-3532	5	27	financial	financial	ADJ
fsr-3532	5	28	behaviors	behavior	NOUN
fsr-3532	5	29	.	.	PUNCT
fsr-3532	6	1	this	this	PRON
fsr-3532	6	2	is	be	AUX
fsr-3532	6	3	important	important	ADJ
fsr-3532	6	4	because	because	SCONJ
fsr-3532	6	5	it	it	PRON
fsr-3532	6	6	indicates	indicate	VERB
fsr-3532	6	7	that	that	SCONJ
fsr-3532	6	8	the	the	DET
fsr-3532	6	9	more	more	ADJ
fsr-3532	6	10	individuals	individual	NOUN
fsr-3532	6	11	know	know	VERB
fsr-3532	6	12	about	about	ADP
fsr-3532	6	13	their	their	PRON
fsr-3532	6	14	finances	finance	NOUN
fsr-3532	6	15	the	the	PRON
fsr-3532	6	16	more	more	ADV
fsr-3532	6	17	likely	likely	ADJ
fsr-3532	6	18	they	they	PRON
fsr-3532	6	19	are	be	AUX
fsr-3532	6	20	to	to	PART
fsr-3532	6	21	engage	engage	VERB
fsr-3532	6	22	in	in	ADP
fsr-3532	6	23	actions	action	NOUN
fsr-3532	6	24	that	that	PRON
fsr-3532	6	25	will	will	AUX
fsr-3532	6	26	have	have	VERB
fsr-3532	6	27	a	a	DET
fsr-3532	6	28	positive	positive	ADJ
fsr-3532	6	29	association	association	NOUN
fsr-3532	6	30	with	with	ADP
fsr-3532	6	31	their	their	PRON
fsr-3532	6	32	financial	financial	ADJ
fsr-3532	6	33	futures	future	NOUN
fsr-3532	6	34	.	.	PUNCT
fsr-3532	7	1	©	©	PROPN
fsr-3532	7	2	2023	2023	NUM
fsr-3532	7	3	academy	academy	NOUN
fsr-3532	7	4	of	of	ADP
fsr-3532	7	5	financial	financial	ADJ
fsr-3532	7	6	services	service	NOUN
fsr-3532	7	7	.	.	PUNCT
fsr-3532	8	1	all	all	DET
fsr-3532	8	2	rights	right	NOUN
fsr-3532	8	3	reserved	reserve	VERB
fsr-3532	8	4	.	.	PUNCT
fsr-3532	9	1	jel	jel	PROPN
fsr-3532	9	2	classifications	classification	NOUN
fsr-3532	9	3	:	:	PUNCT
fsr-3532	9	4	g5	g5	NOUN
fsr-3532	9	5	keywords	keyword	NOUN
fsr-3532	9	6	:	:	PUNCT
fsr-3532	9	7	financial	financial	ADJ
fsr-3532	9	8	literacy	literacy	NOUN
fsr-3532	9	9	;	;	PUNCT
fsr-3532	9	10	financial	financial	ADJ
fsr-3532	9	11	education	education	NOUN
fsr-3532	9	12	;	;	PUNCT
fsr-3532	9	13	financial	financial	ADJ
fsr-3532	9	14	behaviors	behavior	NOUN
fsr-3532	9	15	1	1	NUM
fsr-3532	9	16	.	.	PUNCT
fsr-3532	10	1	introduction	introduction	NOUN
fsr-3532	10	2	it	it	PRON
fsr-3532	10	3	is	be	AUX
fsr-3532	10	4	becoming	become	VERB
fsr-3532	10	5	more	more	ADV
fsr-3532	10	6	important	important	ADJ
fsr-3532	10	7	for	for	SCONJ
fsr-3532	10	8	individuals	individual	NOUN
fsr-3532	10	9	to	to	PART
fsr-3532	10	10	manage	manage	VERB
fsr-3532	10	11	their	their	PRON
fsr-3532	10	12	own	own	ADJ
fsr-3532	10	13	personal	personal	ADJ
fsr-3532	10	14	finances	finance	NOUN
fsr-3532	10	15	.	.	PUNCT
fsr-3532	11	1	market	market	NOUN
fsr-3532	11	2	changes	change	NOUN
fsr-3532	11	3	,	,	PUNCT
fsr-3532	11	4	such	such	ADJ
fsr-3532	11	5	as	as	ADP
fsr-3532	11	6	the	the	DET
fsr-3532	11	7	move	move	NOUN
fsr-3532	11	8	from	from	ADP
fsr-3532	11	9	defined	define	VERB
fsr-3532	11	10	benefit	benefit	NOUN
fsr-3532	11	11	plans	plan	NOUN
fsr-3532	11	12	to	to	PART
fsr-3532	11	13	defined	define	VERB
fsr-3532	11	14	contribution	contribution	NOUN
fsr-3532	11	15	plans	plan	NOUN
fsr-3532	11	16	place	place	VERB
fsr-3532	11	17	more	more	ADJ
fsr-3532	11	18	responsibility	responsibility	NOUN
fsr-3532	11	19	on	on	ADP
fsr-3532	11	20	individuals	individual	NOUN
fsr-3532	11	21	.	.	PUNCT
fsr-3532	12	1	changes	change	NOUN
fsr-3532	12	2	in	in	ADP
fsr-3532	12	3	technology	technology	NOUN
fsr-3532	12	4	are	be	AUX
fsr-3532	12	5	making	make	VERB
fsr-3532	12	6	banking	banking	NOUN
fsr-3532	12	7	products	product	NOUN
fsr-3532	12	8	more	more	ADV
fsr-3532	12	9	interactive	interactive	ADJ
fsr-3532	12	10	and	and	CCONJ
fsr-3532	12	11	allowing	allow	VERB
fsr-3532	12	12	individuals	individual	NOUN
fsr-3532	12	13	to	to	PART
fsr-3532	12	14	direct	direct	VERB
fsr-3532	12	15	their	their	PRON
fsr-3532	12	16	own	own	ADJ
fsr-3532	12	17	savings	saving	NOUN
fsr-3532	12	18	and	and	CCONJ
fsr-3532	12	19	investing	investing	NOUN
fsr-3532	12	20	goals	goal	NOUN
fsr-3532	12	21	.	.	PUNCT
fsr-3532	13	1	individuals	individual	NOUN
fsr-3532	13	2	also	also	ADV
fsr-3532	13	3	face	face	VERB
fsr-3532	13	4	wide	wide	ADJ
fsr-3532	13	5	variation	variation	NOUN
fsr-3532	13	6	in	in	ADP
fsr-3532	13	7	the	the	DET
fsr-3532	13	8	terms	term	NOUN
fsr-3532	13	9	and	and	CCONJ
fsr-3532	13	10	conditions	condition	NOUN
fsr-3532	13	11	attached	attach	VERB
fsr-3532	13	12	to	to	ADP
fsr-3532	13	13	credit	credit	NOUN
fsr-3532	13	14	cards	card	NOUN
fsr-3532	13	15	,	,	PUNCT
fsr-3532	13	16	mortgages	mortgage	NOUN
fsr-3532	13	17	,	,	PUNCT
fsr-3532	13	18	and	and	CCONJ
fsr-3532	13	19	online	online	ADJ
fsr-3532	13	20	accounts	account	NOUN
fsr-3532	13	21	.	.	PUNCT
fsr-3532	14	1	this	this	PRON
fsr-3532	14	2	makes	make	VERB
fsr-3532	14	3	the	the	DET
fsr-3532	14	4	selection	selection	NOUN
fsr-3532	14	5	of	of	ADP
fsr-3532	14	6	these	these	DET
fsr-3532	14	7	products	product	NOUN
fsr-3532	14	8	more	more	ADV
fsr-3532	14	9	*	*	PUNCT
fsr-3532	14	10	corresponding	correspond	VERB
fsr-3532	14	11	author	author	NOUN
fsr-3532	14	12	.	.	PUNCT
fsr-3532	15	1	tel	tel	PROPN
fsr-3532	15	2	.	.	PUNCT
fsr-3532	15	3	:	:	PUNCT
fsr-3532	16	1	724	724	NUM
fsr-3532	16	2	-	-	NUM
fsr-3532	16	3	738	738	NUM
fsr-3532	16	4	-	-	SYM
fsr-3532	16	5	4374	4374	NUM
fsr-3532	16	6	,	,	PUNCT
fsr-3532	16	7	fax	fax	NOUN
fsr-3532	16	8	:	:	PUNCT
fsr-3532	16	9	724	724	NUM
fsr-3532	16	10	-	-	NUM
fsr-3532	16	11	738	738	NUM
fsr-3532	16	12	-	-	SYM
fsr-3532	16	13	2959	2959	NUM
fsr-3532	16	14	.	.	PUNCT
fsr-3532	17	1	e	e	X
fsr-3532	17	2	-	-	NOUN
fsr-3532	17	3	mail	mail	NOUN
fsr-3532	17	4	address	address	NOUN
fsr-3532	17	5	:	:	PUNCT
fsr-3532	17	6	lua.augustin@sru.edu	lua.augustin@sru.edu	X
fsr-3532	17	7	(	(	PUNCT
fsr-3532	17	8	l.	l.	PROPN
fsr-3532	17	9	a.	a.	PROPN
fsr-3532	17	10	v.	v.	PROPN
fsr-3532	17	11	augustin	augustin	PROPN
fsr-3532	17	12	)	)	PUNCT
fsr-3532	17	13	1057	1057	NUM
fsr-3532	17	14	-	-	SYM
fsr-3532	17	15	0810/23/$	0810/23/$	NUM
fsr-3532	17	16	–	–	PUNCT
fsr-3532	17	17	see	see	VERB
fsr-3532	17	18	front	front	ADJ
fsr-3532	17	19	matter	matter	NOUN
fsr-3532	17	20	©	©	PROPN
fsr-3532	17	21	2023	2023	NUM
fsr-3532	17	22	academy	academy	NOUN
fsr-3532	17	23	of	of	ADP
fsr-3532	17	24	financial	financial	ADJ
fsr-3532	17	25	services	service	NOUN
fsr-3532	17	26	.	.	PUNCT
fsr-3532	18	1	all	all	DET
fsr-3532	18	2	rights	right	NOUN
fsr-3532	18	3	reserved	reserve	VERB
fsr-3532	18	4	.	.	PUNCT
fsr-3532	19	1	financial	financial	ADJ
fsr-3532	19	2	services	service	NOUN
fsr-3532	19	3	review	review	VERB
fsr-3532	19	4	31	31	NUM
fsr-3532	19	5	(	(	PUNCT
fsr-3532	19	6	2023	2023	NUM
fsr-3532	19	7	)	)	PUNCT
fsr-3532	19	8	151–167	151–167	NUM
fsr-3532	19	9	difficult	difficult	ADJ
fsr-3532	19	10	and	and	CCONJ
fsr-3532	19	11	likely	likely	ADV
fsr-3532	19	12	increases	increase	VERB
fsr-3532	19	13	the	the	DET
fsr-3532	19	14	chances	chance	NOUN
fsr-3532	19	15	of	of	ADP
fsr-3532	19	16	making	make	VERB
fsr-3532	19	17	a	a	DET
fsr-3532	19	18	financial	financial	ADJ
fsr-3532	19	19	mistake	mistake	NOUN
fsr-3532	19	20	.	.	PUNCT
fsr-3532	20	1	financial	financial	ADJ
fsr-3532	20	2	education	education	NOUN
fsr-3532	20	3	and	and	CCONJ
fsr-3532	20	4	literacy	literacy	NOUN
fsr-3532	20	5	can	can	AUX
fsr-3532	20	6	help	help	VERB
fsr-3532	20	7	individuals	individual	NOUN
fsr-3532	20	8	make	make	VERB
fsr-3532	20	9	better	well	ADV
fsr-3532	20	10	-	-	PUNCT
fsr-3532	20	11	informed	inform	VERB
fsr-3532	20	12	decisions	decision	NOUN
fsr-3532	20	13	when	when	SCONJ
fsr-3532	20	14	selecting	select	VERB
fsr-3532	20	15	among	among	ADP
fsr-3532	20	16	alternatives	alternative	NOUN
fsr-3532	20	17	.	.	PUNCT
fsr-3532	21	1	financial	financial	ADJ
fsr-3532	21	2	education	education	NOUN
fsr-3532	21	3	lays	lay	VERB
fsr-3532	21	4	the	the	DET
fsr-3532	21	5	groundwork	groundwork	NOUN
fsr-3532	21	6	that	that	PRON
fsr-3532	21	7	can	can	AUX
fsr-3532	21	8	later	later	ADV
fsr-3532	21	9	be	be	AUX
fsr-3532	21	10	transformed	transform	VERB
fsr-3532	21	11	into	into	ADP
fsr-3532	21	12	financial	financial	ADJ
fsr-3532	21	13	literacy	literacy	NOUN
fsr-3532	21	14	skills	skill	NOUN
fsr-3532	21	15	.	.	PUNCT
fsr-3532	22	1	individuals	individual	NOUN
fsr-3532	22	2	can	can	AUX
fsr-3532	22	3	attain	attain	VERB
fsr-3532	22	4	financial	financial	ADJ
fsr-3532	22	5	literacy	literacy	NOUN
fsr-3532	22	6	by	by	ADP
fsr-3532	22	7	first	first	ADV
fsr-3532	22	8	getting	get	VERB
fsr-3532	22	9	a	a	DET
fsr-3532	22	10	financial	financial	ADJ
fsr-3532	22	11	education	education	NOUN
fsr-3532	22	12	and	and	CCONJ
fsr-3532	22	13	then	then	ADV
fsr-3532	22	14	learning	learn	VERB
fsr-3532	22	15	how	how	SCONJ
fsr-3532	22	16	to	to	PART
fsr-3532	22	17	apply	apply	VERB
fsr-3532	22	18	that	that	DET
fsr-3532	22	19	knowledge	knowledge	NOUN
fsr-3532	22	20	to	to	ADP
fsr-3532	22	21	their	their	PRON
fsr-3532	22	22	financial	financial	ADJ
fsr-3532	22	23	situation	situation	NOUN
fsr-3532	22	24	.	.	PUNCT
fsr-3532	23	1	however	however	ADV
fsr-3532	23	2	,	,	PUNCT
fsr-3532	23	3	getting	get	VERB
fsr-3532	23	4	a	a	DET
fsr-3532	23	5	financial	financial	ADJ
fsr-3532	23	6	education	education	NOUN
fsr-3532	23	7	does	do	AUX
fsr-3532	23	8	not	not	PART
fsr-3532	23	9	automatically	automatically	ADV
fsr-3532	23	10	lead	lead	VERB
fsr-3532	23	11	to	to	ADP
fsr-3532	23	12	being	be	AUX
fsr-3532	23	13	financially	financially	ADV
fsr-3532	23	14	literate	literate	ADJ
fsr-3532	23	15	.	.	PUNCT
fsr-3532	24	1	financial	financial	ADJ
fsr-3532	24	2	education	education	NOUN
fsr-3532	24	3	is	be	AUX
fsr-3532	24	4	simply	simply	ADV
fsr-3532	24	5	getting	get	VERB
fsr-3532	24	6	exposure	exposure	NOUN
fsr-3532	24	7	to	to	ADP
fsr-3532	24	8	financial	financial	ADJ
fsr-3532	24	9	concepts	concept	NOUN
fsr-3532	24	10	.	.	PUNCT
fsr-3532	25	1	in	in	ADP
fsr-3532	25	2	many	many	ADJ
fsr-3532	25	3	cases	case	NOUN
fsr-3532	25	4	,	,	PUNCT
fsr-3532	25	5	employers	employer	NOUN
fsr-3532	25	6	provide	provide	VERB
fsr-3532	25	7	this	this	DET
fsr-3532	25	8	information	information	NOUN
fsr-3532	25	9	via	via	ADP
fsr-3532	25	10	seminars	seminar	NOUN
fsr-3532	25	11	or	or	CCONJ
fsr-3532	25	12	handouts	handout	NOUN
fsr-3532	25	13	.	.	PUNCT
fsr-3532	26	1	it	it	PRON
fsr-3532	26	2	is	be	AUX
fsr-3532	26	3	up	up	ADP
fsr-3532	26	4	to	to	ADP
fsr-3532	26	5	the	the	DET
fsr-3532	26	6	employees	employee	NOUN
fsr-3532	26	7	to	to	PART
fsr-3532	26	8	learn	learn	VERB
fsr-3532	26	9	the	the	DET
fsr-3532	26	10	material	material	NOUN
fsr-3532	26	11	and	and	CCONJ
fsr-3532	26	12	then	then	ADV
fsr-3532	26	13	apply	apply	VERB
fsr-3532	26	14	it	it	PRON
fsr-3532	26	15	to	to	ADP
fsr-3532	26	16	their	their	PRON
fsr-3532	26	17	own	own	ADJ
fsr-3532	26	18	financial	financial	ADJ
fsr-3532	26	19	situation	situation	NOUN
fsr-3532	26	20	.	.	PUNCT
fsr-3532	27	1	at	at	ADP
fsr-3532	27	2	the	the	DET
fsr-3532	27	3	college	college	NOUN
fsr-3532	27	4	level	level	NOUN
fsr-3532	27	5	financial	financial	ADJ
fsr-3532	27	6	education	education	NOUN
fsr-3532	27	7	is	be	AUX
fsr-3532	27	8	in	in	ADP
fsr-3532	27	9	the	the	DET
fsr-3532	27	10	form	form	NOUN
fsr-3532	27	11	of	of	ADP
fsr-3532	27	12	coursework	coursework	NOUN
fsr-3532	27	13	over	over	ADP
fsr-3532	27	14	a	a	DET
fsr-3532	27	15	college	college	NOUN
fsr-3532	27	16	term	term	NOUN
fsr-3532	27	17	.	.	PUNCT
fsr-3532	28	1	this	this	PRON
fsr-3532	28	2	is	be	AUX
fsr-3532	28	3	a	a	DET
fsr-3532	28	4	more	more	ADV
fsr-3532	28	5	intensive	intensive	ADJ
fsr-3532	28	6	level	level	NOUN
fsr-3532	28	7	of	of	ADP
fsr-3532	28	8	applying	apply	VERB
fsr-3532	28	9	the	the	DET
fsr-3532	28	10	knowledge	knowledge	NOUN
fsr-3532	28	11	to	to	ADP
fsr-3532	28	12	real	real	ADJ
fsr-3532	28	13	life	life	NOUN
fsr-3532	28	14	;	;	PUNCT
fsr-3532	28	15	however	however	ADV
fsr-3532	28	16	,	,	PUNCT
fsr-3532	28	17	in	in	ADP
fsr-3532	28	18	many	many	ADJ
fsr-3532	28	19	cases	case	NOUN
fsr-3532	28	20	,	,	PUNCT
fsr-3532	28	21	these	these	DET
fsr-3532	28	22	courses	course	NOUN
fsr-3532	28	23	are	be	AUX
fsr-3532	28	24	electives	elective	NOUN
fsr-3532	28	25	and	and	CCONJ
fsr-3532	28	26	go	go	VERB
fsr-3532	28	27	unnoticed	unnoticed	ADJ
fsr-3532	28	28	by	by	ADP
fsr-3532	28	29	students	student	NOUN
fsr-3532	28	30	.	.	PUNCT
fsr-3532	29	1	at	at	ADP
fsr-3532	29	2	the	the	DET
fsr-3532	29	3	public	public	ADJ
fsr-3532	29	4	school	school	NOUN
fsr-3532	29	5	level	level	NOUN
fsr-3532	29	6	,	,	PUNCT
fsr-3532	29	7	there	there	PRON
fsr-3532	29	8	may	may	AUX
fsr-3532	29	9	be	be	AUX
fsr-3532	29	10	some	some	DET
fsr-3532	29	11	basic	basic	ADJ
fsr-3532	29	12	financial	financial	ADJ
fsr-3532	29	13	education	education	NOUN
fsr-3532	29	14	lumped	lump	VERB
fsr-3532	29	15	in	in	ADP
fsr-3532	29	16	with	with	ADP
fsr-3532	29	17	other	other	ADJ
fsr-3532	29	18	general	general	ADJ
fsr-3532	29	19	economics	economic	NOUN
fsr-3532	29	20	courses	course	NOUN
fsr-3532	29	21	(	(	PUNCT
fsr-3532	29	22	willis	willis	PROPN
fsr-3532	29	23	,	,	PUNCT
fsr-3532	29	24	2009	2009	NUM
fsr-3532	29	25	)	)	PUNCT
fsr-3532	29	26	.	.	PUNCT
fsr-3532	30	1	again	again	ADV
fsr-3532	30	2	,	,	PUNCT
fsr-3532	30	3	these	these	PRON
fsr-3532	30	4	are	be	AUX
fsr-3532	30	5	usually	usually	ADV
fsr-3532	30	6	elective	elective	ADJ
fsr-3532	30	7	courses	course	NOUN
fsr-3532	30	8	and	and	CCONJ
fsr-3532	30	9	do	do	AUX
fsr-3532	30	10	not	not	PART
fsr-3532	30	11	reach	reach	VERB
fsr-3532	30	12	the	the	DET
fsr-3532	30	13	entire	entire	ADJ
fsr-3532	30	14	student	student	NOUN
fsr-3532	30	15	body	body	NOUN
fsr-3532	30	16	.	.	PUNCT
fsr-3532	31	1	sadly	sadly	ADV
fsr-3532	31	2	,	,	PUNCT
fsr-3532	31	3	financial	financial	ADJ
fsr-3532	31	4	education	education	NOUN
fsr-3532	31	5	is	be	AUX
fsr-3532	31	6	lacking	lack	VERB
fsr-3532	31	7	in	in	ADP
fsr-3532	31	8	many	many	ADJ
fsr-3532	31	9	high	high	ADJ
fsr-3532	31	10	schools	school	NOUN
fsr-3532	31	11	and	and	CCONJ
fsr-3532	31	12	even	even	ADV
fsr-3532	31	13	in	in	ADP
fsr-3532	31	14	some	some	DET
fsr-3532	31	15	colleges	college	NOUN
fsr-3532	31	16	.	.	PUNCT
fsr-3532	32	1	when	when	SCONJ
fsr-3532	32	2	financial	financial	ADJ
fsr-3532	32	3	education	education	NOUN
fsr-3532	32	4	courses	course	NOUN
fsr-3532	32	5	are	be	AUX
fsr-3532	32	6	available	available	ADJ
fsr-3532	32	7	,	,	PUNCT
fsr-3532	32	8	there	there	PRON
fsr-3532	32	9	is	be	VERB
fsr-3532	32	10	a	a	DET
fsr-3532	32	11	large	large	ADJ
fsr-3532	32	12	variation	variation	NOUN
fsr-3532	32	13	in	in	ADP
fsr-3532	32	14	the	the	DET
fsr-3532	32	15	quality	quality	NOUN
fsr-3532	32	16	of	of	ADP
fsr-3532	32	17	the	the	DET
fsr-3532	32	18	course	course	NOUN
fsr-3532	32	19	offerings	offering	NOUN
fsr-3532	32	20	.	.	PUNCT
fsr-3532	33	1	individuals	individual	NOUN
fsr-3532	33	2	with	with	ADP
fsr-3532	33	3	higher	high	ADJ
fsr-3532	33	4	levels	level	NOUN
fsr-3532	33	5	of	of	ADP
fsr-3532	33	6	financial	financial	ADJ
fsr-3532	33	7	literacy	literacy	NOUN
fsr-3532	33	8	tend	tend	VERB
fsr-3532	33	9	to	to	PART
fsr-3532	33	10	make	make	VERB
fsr-3532	33	11	more	more	ADV
fsr-3532	33	12	positive	positive	ADJ
fsr-3532	33	13	financial	financial	ADJ
fsr-3532	33	14	decisions	decision	NOUN
fsr-3532	33	15	and	and	CCONJ
fsr-3532	33	16	reduce	reduce	VERB
fsr-3532	33	17	the	the	DET
fsr-3532	33	18	number	number	NOUN
fsr-3532	33	19	and	and	CCONJ
fsr-3532	33	20	severity	severity	NOUN
fsr-3532	33	21	of	of	ADP
fsr-3532	33	22	poor	poor	ADJ
fsr-3532	33	23	financial	financial	ADJ
fsr-3532	33	24	decisions	decision	NOUN
fsr-3532	33	25	.	.	PUNCT
fsr-3532	34	1	high	high	ADJ
fsr-3532	34	2	financial	financial	ADJ
fsr-3532	34	3	literacy	literacy	NOUN
fsr-3532	34	4	is	be	AUX
fsr-3532	34	5	associated	associate	VERB
fsr-3532	34	6	with	with	ADP
fsr-3532	34	7	positive	positive	ADJ
fsr-3532	34	8	financial	financial	ADJ
fsr-3532	34	9	behaviors	behavior	NOUN
fsr-3532	34	10	such	such	ADJ
fsr-3532	34	11	as	as	ADP
fsr-3532	34	12	saving	save	VERB
fsr-3532	34	13	for	for	ADP
fsr-3532	34	14	retirement	retirement	NOUN
fsr-3532	34	15	(	(	PUNCT
fsr-3532	34	16	bayer	bayer	PROPN
fsr-3532	34	17	,	,	PUNCT
fsr-3532	34	18	bernheim	bernheim	NOUN
fsr-3532	34	19	,	,	PUNCT
fsr-3532	34	20	&	&	CCONJ
fsr-3532	34	21	scholz	scholz	NOUN
fsr-3532	34	22	,	,	PUNCT
fsr-3532	34	23	2009	2009	NUM
fsr-3532	34	24	;	;	PUNCT
fsr-3532	34	25	sekita	sekita	VERB
fsr-3532	34	26	et	et	PROPN
fsr-3532	34	27	al	al	PROPN
fsr-3532	34	28	.	.	PROPN
fsr-3532	34	29	,	,	PUNCT
fsr-3532	34	30	2011	2011	NUM
fsr-3532	34	31	)	)	PUNCT
fsr-3532	34	32	and	and	CCONJ
fsr-3532	34	33	diversifying	diversify	VERB
fsr-3532	34	34	the	the	DET
fsr-3532	34	35	portfolio	portfolio	NOUN
fsr-3532	34	36	(	(	PUNCT
fsr-3532	34	37	van	van	PROPN
fsr-3532	34	38	rooij	rooij	NOUN
fsr-3532	34	39	,	,	PUNCT
fsr-3532	34	40	lusardi	lusardi	PROPN
fsr-3532	34	41	,	,	PUNCT
fsr-3532	34	42	&	&	CCONJ
fsr-3532	34	43	alessie	alessie	PROPN
fsr-3532	34	44	,	,	PUNCT
fsr-3532	34	45	2011	2011	NUM
fsr-3532	34	46	;	;	PUNCT
fsr-3532	34	47	vinet	vinet	PROPN
fsr-3532	34	48	&	&	CCONJ
fsr-3532	34	49	zhedanov	zhedanov	PROPN
fsr-3532	34	50	,	,	PUNCT
fsr-3532	34	51	2010	2010	NUM
fsr-3532	34	52	)	)	PUNCT
fsr-3532	34	53	.	.	PUNCT
fsr-3532	35	1	in	in	ADP
fsr-3532	35	2	addition	addition	NOUN
fsr-3532	35	3	,	,	PUNCT
fsr-3532	35	4	those	those	PRON
fsr-3532	35	5	with	with	ADP
fsr-3532	35	6	high	high	ADJ
fsr-3532	35	7	financial	financial	ADJ
fsr-3532	35	8	literacy	literacy	NOUN
fsr-3532	35	9	experience	experience	NOUN
fsr-3532	35	10	greater	great	ADJ
fsr-3532	35	11	financial	financial	ADJ
fsr-3532	35	12	well	well	ADV
fsr-3532	35	13	-	-	PUNCT
fsr-3532	35	14	being	being	NOUN
fsr-3532	35	15	(	(	PUNCT
fsr-3532	35	16	taft	taft	PROPN
fsr-3532	35	17	,	,	PUNCT
fsr-3532	35	18	hosein	hosein	PROPN
fsr-3532	35	19	,	,	PUNCT
fsr-3532	35	20	mehrizi	mehrizi	NOUN
fsr-3532	35	21	,	,	PUNCT
fsr-3532	35	22	&	&	CCONJ
fsr-3532	35	23	roshan	roshan	PROPN
fsr-3532	35	24	,	,	PUNCT
fsr-3532	35	25	2013	2013	NUM
fsr-3532	35	26	)	)	PUNCT
fsr-3532	35	27	.	.	PUNCT
fsr-3532	36	1	low	low	ADJ
fsr-3532	36	2	financial	financial	ADJ
fsr-3532	36	3	literacy	literacy	NOUN
fsr-3532	36	4	is	be	AUX
fsr-3532	36	5	associated	associate	VERB
fsr-3532	36	6	with	with	ADP
fsr-3532	36	7	negative	negative	ADJ
fsr-3532	36	8	financial	financial	ADJ
fsr-3532	36	9	behaviors	behavior	NOUN
fsr-3532	36	10	such	such	ADJ
fsr-3532	36	11	as	as	ADP
fsr-3532	36	12	having	have	VERB
fsr-3532	36	13	high	high	ADJ
fsr-3532	36	14	credit	credit	NOUN
fsr-3532	36	15	card	card	NOUN
fsr-3532	36	16	debt	debt	NOUN
fsr-3532	36	17	and	and	CCONJ
fsr-3532	36	18	using	use	VERB
fsr-3532	36	19	payday	payday	NOUN
fsr-3532	36	20	loans	loan	NOUN
fsr-3532	36	21	.	.	PUNCT
fsr-3532	37	1	the	the	PRON
fsr-3532	37	2	more	more	ADV
fsr-3532	37	3	financially	financially	ADV
fsr-3532	37	4	literate	literate	ADJ
fsr-3532	37	5	an	an	DET
fsr-3532	37	6	individual	individual	NOUN
fsr-3532	37	7	is	be	AUX
fsr-3532	37	8	,	,	PUNCT
fsr-3532	37	9	the	the	PRON
fsr-3532	37	10	better	well	ADJ
fsr-3532	37	11	he	he	PRON
fsr-3532	37	12	/	/	PUNCT
fsr-3532	38	1	she	she	PRON
fsr-3532	38	2	can	can	AUX
fsr-3532	38	3	navigate	navigate	VERB
fsr-3532	38	4	complex	complex	ADJ
fsr-3532	38	5	financial	financial	ADJ
fsr-3532	38	6	products	product	NOUN
fsr-3532	38	7	.	.	PUNCT
fsr-3532	39	1	we	we	PRON
fsr-3532	39	2	know	know	VERB
fsr-3532	39	3	that	that	DET
fsr-3532	39	4	exposure	exposure	NOUN
fsr-3532	39	5	to	to	ADP
fsr-3532	39	6	concepts	concept	NOUN
fsr-3532	39	7	affects	affect	VERB
fsr-3532	39	8	learning	learn	VERB
fsr-3532	39	9	and	and	CCONJ
fsr-3532	39	10	can	can	AUX
fsr-3532	39	11	build	build	VERB
fsr-3532	39	12	skills	skill	NOUN
fsr-3532	39	13	over	over	ADP
fsr-3532	39	14	time	time	NOUN
fsr-3532	39	15	(	(	PUNCT
fsr-3532	39	16	heckman	heckman	PROPN
fsr-3532	39	17	,	,	PUNCT
fsr-3532	39	18	2006	2006	NUM
fsr-3532	39	19	)	)	PUNCT
fsr-3532	39	20	.	.	PUNCT
fsr-3532	40	1	we	we	PRON
fsr-3532	40	2	examine	examine	VERB
fsr-3532	40	3	the	the	DET
fsr-3532	40	4	role	role	NOUN
fsr-3532	40	5	that	that	PRON
fsr-3532	40	6	timing	timing	NOUN
fsr-3532	40	7	and	and	CCONJ
fsr-3532	40	8	frequency	frequency	NOUN
fsr-3532	40	9	of	of	ADP
fsr-3532	40	10	financial	financial	ADJ
fsr-3532	40	11	education	education	NOUN
fsr-3532	40	12	play	play	NOUN
fsr-3532	40	13	in	in	ADP
fsr-3532	40	14	individuals	individual	NOUN
fsr-3532	40	15	practicing	practice	VERB
fsr-3532	40	16	positive	positive	ADJ
fsr-3532	40	17	three	three	NUM
fsr-3532	40	18	financial	financial	ADJ
fsr-3532	40	19	behaviors	behavior	NOUN
fsr-3532	40	20	.	.	PUNCT
fsr-3532	41	1	these	these	DET
fsr-3532	41	2	financial	financial	ADJ
fsr-3532	41	3	behaviors	behavior	NOUN
fsr-3532	41	4	are	be	AUX
fsr-3532	41	5	(	(	PUNCT
fsr-3532	41	6	1	1	X
fsr-3532	41	7	)	)	PUNCT
fsr-3532	41	8	owning	own	VERB
fsr-3532	41	9	an	an	DET
fsr-3532	41	10	ira	ira	PROPN
fsr-3532	41	11	,	,	PUNCT
fsr-3532	41	12	(	(	PUNCT
fsr-3532	41	13	2	2	X
fsr-3532	41	14	)	)	PUNCT
fsr-3532	41	15	calculating	calculate	VERB
fsr-3532	41	16	retirement	retirement	NOUN
fsr-3532	41	17	needs	need	NOUN
fsr-3532	41	18	,	,	PUNCT
fsr-3532	41	19	and	and	CCONJ
fsr-3532	41	20	(	(	PUNCT
fsr-3532	41	21	3	3	X
fsr-3532	41	22	)	)	PUNCT
fsr-3532	41	23	contributing	contribute	VERB
fsr-3532	41	24	regularly	regularly	ADV
fsr-3532	41	25	to	to	ADP
fsr-3532	41	26	retirement	retirement	NOUN
fsr-3532	41	27	.	.	PUNCT
fsr-3532	42	1	we	we	PRON
fsr-3532	42	2	found	find	VERB
fsr-3532	42	3	that	that	SCONJ
fsr-3532	42	4	not	not	PART
fsr-3532	42	5	only	only	ADV
fsr-3532	42	6	is	be	AUX
fsr-3532	42	7	the	the	DET
fsr-3532	42	8	timing	timing	NOUN
fsr-3532	42	9	important	important	ADJ
fsr-3532	42	10	,	,	PUNCT
fsr-3532	42	11	but	but	CCONJ
fsr-3532	42	12	that	that	DET
fsr-3532	42	13	frequency	frequency	NOUN
fsr-3532	42	14	matters	matter	VERB
fsr-3532	42	15	as	as	ADV
fsr-3532	42	16	well	well	ADV
fsr-3532	42	17	.	.	PUNCT
fsr-3532	43	1	the	the	DET
fsr-3532	43	2	earlier	early	ADJ
fsr-3532	43	3	individuals	individual	NOUN
fsr-3532	43	4	get	get	VERB
fsr-3532	43	5	exposure	exposure	NOUN
fsr-3532	43	6	to	to	ADP
fsr-3532	43	7	financial	financial	ADJ
fsr-3532	43	8	literacy	literacy	NOUN
fsr-3532	43	9	the	the	DET
fsr-3532	43	10	more	more	ADV
fsr-3532	43	11	likely	likely	ADJ
fsr-3532	43	12	they	they	PRON
fsr-3532	43	13	are	be	AUX
fsr-3532	43	14	to	to	PART
fsr-3532	43	15	make	make	VERB
fsr-3532	43	16	good	good	ADJ
fsr-3532	43	17	financial	financial	ADJ
fsr-3532	43	18	decisions	decision	NOUN
fsr-3532	43	19	.	.	PUNCT
fsr-3532	44	1	our	our	PRON
fsr-3532	44	2	results	result	NOUN
fsr-3532	44	3	suggest	suggest	VERB
fsr-3532	44	4	that	that	SCONJ
fsr-3532	44	5	getting	get	VERB
fsr-3532	44	6	financial	financial	ADJ
fsr-3532	44	7	education	education	NOUN
fsr-3532	44	8	at	at	ADP
fsr-3532	44	9	work	work	NOUN
fsr-3532	44	10	is	be	AUX
fsr-3532	44	11	associated	associate	VERB
fsr-3532	44	12	with	with	ADP
fsr-3532	44	13	all	all	DET
fsr-3532	44	14	three	three	NUM
fsr-3532	44	15	financial	financial	ADJ
fsr-3532	44	16	behaviors	behavior	NOUN
fsr-3532	44	17	.	.	PUNCT
fsr-3532	45	1	we	we	PRON
fsr-3532	45	2	also	also	ADV
fsr-3532	45	3	found	find	VERB
fsr-3532	45	4	evidence	evidence	NOUN
fsr-3532	45	5	that	that	SCONJ
fsr-3532	45	6	getting	get	VERB
fsr-3532	45	7	financial	financial	ADJ
fsr-3532	45	8	education	education	NOUN
fsr-3532	45	9	three	three	NUM
fsr-3532	45	10	times	time	NOUN
fsr-3532	45	11	is	be	AUX
fsr-3532	45	12	positively	positively	ADV
fsr-3532	45	13	associated	associate	VERB
fsr-3532	45	14	with	with	ADP
fsr-3532	45	15	owning	own	VERB
fsr-3532	45	16	an	an	DET
fsr-3532	45	17	ira	ira	PROPN
fsr-3532	45	18	and	and	CCONJ
fsr-3532	45	19	calculating	calculate	VERB
fsr-3532	45	20	retirement	retirement	NOUN
fsr-3532	45	21	needs	need	NOUN
fsr-3532	45	22	.	.	PUNCT
fsr-3532	46	1	2	2	X
fsr-3532	46	2	.	.	X
fsr-3532	46	3	literature	literature	NOUN
fsr-3532	46	4	review	review	NOUN
fsr-3532	46	5	we	we	PRON
fsr-3532	46	6	turn	turn	VERB
fsr-3532	46	7	to	to	ADP
fsr-3532	46	8	theory	theory	NOUN
fsr-3532	46	9	to	to	PART
fsr-3532	46	10	examine	examine	VERB
fsr-3532	46	11	the	the	DET
fsr-3532	46	12	role	role	NOUN
fsr-3532	46	13	that	that	PRON
fsr-3532	46	14	the	the	DET
fsr-3532	46	15	timing	timing	NOUN
fsr-3532	46	16	and	and	CCONJ
fsr-3532	46	17	frequency	frequency	NOUN
fsr-3532	46	18	of	of	ADP
fsr-3532	46	19	financial	financial	ADJ
fsr-3532	46	20	education	education	NOUN
fsr-3532	46	21	plays	play	VERB
fsr-3532	46	22	in	in	ADP
fsr-3532	46	23	making	make	VERB
fsr-3532	46	24	positive	positive	ADJ
fsr-3532	46	25	financial	financial	ADJ
fsr-3532	46	26	behaviors	behavior	NOUN
fsr-3532	46	27	.	.	PUNCT
fsr-3532	47	1	human	human	ADJ
fsr-3532	47	2	capital	capital	NOUN
fsr-3532	47	3	theory	theory	NOUN
fsr-3532	47	4	predicts	predict	VERB
fsr-3532	47	5	that	that	SCONJ
fsr-3532	47	6	individuals	individual	NOUN
fsr-3532	47	7	152	152	NUM
fsr-3532	47	8	l.	l.	PROPN
fsr-3532	47	9	a.	a.	PROPN
fsr-3532	47	10	v.	v.	PROPN
fsr-3532	47	11	augustin	augustin	PROPN
fsr-3532	47	12	and	and	CCONJ
fsr-3532	47	13	t.	t.	PROPN
fsr-3532	47	14	k.	k.	PROPN
fsr-3532	47	15	martin	martin	PROPN
fsr-3532	47	16	/	/	SYM
fsr-3532	47	17	financial	financial	ADJ
fsr-3532	47	18	services	service	NOUN
fsr-3532	47	19	review	review	VERB
fsr-3532	47	20	31	31	NUM
fsr-3532	47	21	(	(	PUNCT
fsr-3532	47	22	2023	2023	NUM
fsr-3532	47	23	)	)	PUNCT
fsr-3532	47	24	151–167	151–167	NUM
fsr-3532	47	25	will	will	AUX
fsr-3532	47	26	invest	invest	VERB
fsr-3532	47	27	time	time	NOUN
fsr-3532	47	28	in	in	ADP
fsr-3532	47	29	acquiring	acquire	VERB
fsr-3532	47	30	knowledge	knowledge	NOUN
fsr-3532	47	31	when	when	SCONJ
fsr-3532	47	32	the	the	DET
fsr-3532	47	33	expected	expect	VERB
fsr-3532	47	34	return	return	NOUN
fsr-3532	47	35	exceeds	exceed	VERB
fsr-3532	47	36	the	the	DET
fsr-3532	47	37	expected	expect	VERB
fsr-3532	47	38	time	time	NOUN
fsr-3532	47	39	and	and	CCONJ
fsr-3532	47	40	transaction	transaction	NOUN
fsr-3532	47	41	costs	cost	NOUN
fsr-3532	47	42	(	(	PUNCT
fsr-3532	47	43	becker	becker	NOUN
fsr-3532	47	44	,	,	PUNCT
fsr-3532	47	45	1994	1994	NUM
fsr-3532	47	46	;	;	PUNCT
fsr-3532	47	47	blundell	blundell	PROPN
fsr-3532	47	48	,	,	PUNCT
fsr-3532	47	49	dearden	dearden	ADJ
fsr-3532	47	50	,	,	PUNCT
fsr-3532	47	51	meghir	meghir	NOUN
fsr-3532	47	52	,	,	PUNCT
fsr-3532	47	53	&	&	CCONJ
fsr-3532	47	54	sianesi	sianesi	NOUN
fsr-3532	47	55	,	,	PUNCT
fsr-3532	47	56	1999	1999	NUM
fsr-3532	47	57	)	)	PUNCT
fsr-3532	47	58	.	.	PUNCT
fsr-3532	48	1	if	if	SCONJ
fsr-3532	48	2	individuals	individual	NOUN
fsr-3532	48	3	can	can	AUX
fsr-3532	48	4	see	see	VERB
fsr-3532	48	5	the	the	DET
fsr-3532	48	6	benefits	benefit	NOUN
fsr-3532	48	7	from	from	ADP
fsr-3532	48	8	gaining	gain	VERB
fsr-3532	48	9	financial	financial	ADJ
fsr-3532	48	10	education	education	NOUN
fsr-3532	48	11	,	,	PUNCT
fsr-3532	48	12	they	they	PRON
fsr-3532	48	13	are	be	AUX
fsr-3532	48	14	more	more	ADV
fsr-3532	48	15	likely	likely	ADJ
fsr-3532	48	16	to	to	PART
fsr-3532	48	17	access	access	VERB
fsr-3532	48	18	this	this	DET
fsr-3532	48	19	education	education	NOUN
fsr-3532	48	20	.	.	PUNCT
fsr-3532	49	1	the	the	DET
fsr-3532	49	2	literature	literature	NOUN
fsr-3532	49	3	shows	show	VERB
fsr-3532	49	4	that	that	SCONJ
fsr-3532	49	5	those	those	PRON
fsr-3532	49	6	with	with	ADP
fsr-3532	49	7	higher	high	ADJ
fsr-3532	49	8	levels	level	NOUN
fsr-3532	49	9	of	of	ADP
fsr-3532	49	10	financial	financial	ADJ
fsr-3532	49	11	literacy	literacy	NOUN
fsr-3532	49	12	tend	tend	VERB
fsr-3532	49	13	to	to	PART
fsr-3532	49	14	make	make	VERB
fsr-3532	49	15	better	well	ADJ
fsr-3532	49	16	financial	financial	ADJ
fsr-3532	49	17	decisions	decision	NOUN
fsr-3532	49	18	(	(	PUNCT
fsr-3532	49	19	carlin	carlin	PROPN
fsr-3532	49	20	&	&	CCONJ
fsr-3532	49	21	robinson	robinson	PROPN
fsr-3532	49	22	,	,	PUNCT
fsr-3532	49	23	2012	2012	NUM
fsr-3532	49	24	;	;	PUNCT
fsr-3532	49	25	de	de	PROPN
fsr-3532	49	26	bassa	bassa	PROPN
fsr-3532	49	27	scheresberg	scheresberg	PROPN
fsr-3532	49	28	,	,	PUNCT
fsr-3532	49	29	2013	2013	NUM
fsr-3532	49	30	;	;	PUNCT
fsr-3532	49	31	disney	disney	PROPN
fsr-3532	49	32	&	&	CCONJ
fsr-3532	49	33	gathergood	gathergood	PROPN
fsr-3532	49	34	,	,	PUNCT
fsr-3532	49	35	2013	2013	NUM
fsr-3532	49	36	)	)	PUNCT
fsr-3532	49	37	.	.	PUNCT
fsr-3532	50	1	a	a	DET
fsr-3532	50	2	rational	rational	ADJ
fsr-3532	50	3	individual	individual	NOUN
fsr-3532	50	4	would	would	AUX
fsr-3532	50	5	acquire	acquire	VERB
fsr-3532	50	6	this	this	DET
fsr-3532	50	7	financial	financial	ADJ
fsr-3532	50	8	knowledge	knowledge	NOUN
fsr-3532	50	9	early	early	ADV
fsr-3532	50	10	in	in	ADP
fsr-3532	50	11	life	life	NOUN
fsr-3532	50	12	to	to	PART
fsr-3532	50	13	compound	compound	VERB
fsr-3532	50	14	the	the	DET
fsr-3532	50	15	effects	effect	NOUN
fsr-3532	50	16	of	of	ADP
fsr-3532	50	17	good	good	ADJ
fsr-3532	50	18	financial	financial	ADJ
fsr-3532	50	19	decisions	decision	NOUN
fsr-3532	50	20	.	.	PUNCT
fsr-3532	51	1	when	when	SCONJ
fsr-3532	51	2	coupled	couple	VERB
fsr-3532	51	3	with	with	ADP
fsr-3532	51	4	the	the	DET
fsr-3532	51	5	life	life	NOUN
fsr-3532	51	6	cycle	cycle	NOUN
fsr-3532	51	7	theory	theory	NOUN
fsr-3532	51	8	we	we	PRON
fsr-3532	51	9	note	note	VERB
fsr-3532	51	10	that	that	SCONJ
fsr-3532	51	11	acquiring	acquire	VERB
fsr-3532	51	12	financial	financial	ADJ
fsr-3532	51	13	education	education	NOUN
fsr-3532	51	14	at	at	ADP
fsr-3532	51	15	an	an	DET
fsr-3532	51	16	earlier	early	ADJ
fsr-3532	51	17	age	age	NOUN
fsr-3532	51	18	may	may	AUX
fsr-3532	51	19	increase	increase	VERB
fsr-3532	51	20	the	the	DET
fsr-3532	51	21	likelihood	likelihood	NOUN
fsr-3532	51	22	of	of	ADP
fsr-3532	51	23	an	an	DET
fsr-3532	51	24	individual	individual	NOUN
fsr-3532	51	25	being	be	AUX
fsr-3532	51	26	able	able	ADJ
fsr-3532	51	27	to	to	PART
fsr-3532	51	28	maximize	maximize	VERB
fsr-3532	51	29	the	the	DET
fsr-3532	51	30	utility	utility	NOUN
fsr-3532	51	31	from	from	ADP
fsr-3532	51	32	consumption	consumption	NOUN
fsr-3532	51	33	over	over	ADP
fsr-3532	51	34	time	time	NOUN
fsr-3532	51	35	.	.	PUNCT
fsr-3532	52	1	this	this	PRON
fsr-3532	52	2	is	be	AUX
fsr-3532	52	3	because	because	SCONJ
fsr-3532	52	4	they	they	PRON
fsr-3532	52	5	should	should	AUX
fsr-3532	52	6	be	be	AUX
fsr-3532	52	7	able	able	ADJ
fsr-3532	52	8	to	to	PART
fsr-3532	52	9	acquire	acquire	VERB
fsr-3532	52	10	and	and	CCONJ
fsr-3532	52	11	allocate	allocate	VERB
fsr-3532	52	12	resources	resource	NOUN
fsr-3532	52	13	more	more	ADV
fsr-3532	52	14	effectively	effectively	ADV
fsr-3532	52	15	and	and	CCONJ
fsr-3532	52	16	efficiently	efficiently	ADV
fsr-3532	52	17	at	at	ADP
fsr-3532	52	18	an	an	DET
fsr-3532	52	19	earlier	early	ADJ
fsr-3532	52	20	point	point	NOUN
fsr-3532	52	21	in	in	ADP
fsr-3532	52	22	time	time	NOUN
fsr-3532	52	23	.	.	PUNCT
fsr-3532	53	1	we	we	PRON
fsr-3532	53	2	also	also	ADV
fsr-3532	53	3	note	note	VERB
fsr-3532	53	4	that	that	SCONJ
fsr-3532	53	5	the	the	DET
fsr-3532	53	6	life	life	NOUN
fsr-3532	53	7	cycle	cycle	NOUN
fsr-3532	53	8	theory	theory	NOUN
fsr-3532	53	9	explains	explain	VERB
fsr-3532	53	10	the	the	DET
fsr-3532	53	11	participation	participation	NOUN
fsr-3532	53	12	in	in	ADP
fsr-3532	53	13	the	the	DET
fsr-3532	53	14	three	three	NUM
fsr-3532	53	15	financial	financial	ADJ
fsr-3532	53	16	behaviors	behavior	NOUN
fsr-3532	53	17	.	.	PUNCT
fsr-3532	54	1	individuals	individual	NOUN
fsr-3532	54	2	at	at	ADP
fsr-3532	54	3	the	the	DET
fsr-3532	54	4	accumulation	accumulation	NOUN
fsr-3532	54	5	phase	phase	NOUN
fsr-3532	54	6	are	be	AUX
fsr-3532	54	7	more	more	ADV
fsr-3532	54	8	likely	likely	ADJ
fsr-3532	54	9	to	to	PART
fsr-3532	54	10	calculate	calculate	VERB
fsr-3532	54	11	their	their	PRON
fsr-3532	54	12	retirement	retirement	NOUN
fsr-3532	54	13	needs	need	NOUN
fsr-3532	54	14	than	than	ADP
fsr-3532	54	15	those	those	PRON
fsr-3532	54	16	in	in	ADP
fsr-3532	54	17	the	the	DET
fsr-3532	54	18	acquisition	acquisition	NOUN
fsr-3532	54	19	phase	phase	NOUN
fsr-3532	54	20	and	and	CCONJ
fsr-3532	54	21	we	we	PRON
fsr-3532	54	22	found	find	VERB
fsr-3532	54	23	support	support	NOUN
fsr-3532	54	24	for	for	ADP
fsr-3532	54	25	this	this	PRON
fsr-3532	54	26	in	in	ADP
fsr-3532	54	27	our	our	PRON
fsr-3532	54	28	results	result	NOUN
fsr-3532	54	29	.	.	PUNCT
fsr-3532	55	1	we	we	PRON
fsr-3532	55	2	also	also	ADV
fsr-3532	55	3	found	find	VERB
fsr-3532	55	4	that	that	SCONJ
fsr-3532	55	5	individuals	individual	NOUN
fsr-3532	55	6	in	in	ADP
fsr-3532	55	7	the	the	DET
fsr-3532	55	8	distribution	distribution	NOUN
fsr-3532	55	9	phase	phase	NOUN
fsr-3532	55	10	are	be	AUX
fsr-3532	55	11	still	still	ADV
fsr-3532	55	12	more	more	ADV
fsr-3532	55	13	likely	likely	ADJ
fsr-3532	55	14	to	to	PART
fsr-3532	55	15	have	have	AUX
fsr-3532	55	16	calculated	calculate	VERB
fsr-3532	55	17	their	their	PRON
fsr-3532	55	18	retirement	retirement	NOUN
fsr-3532	55	19	needs	need	NOUN
fsr-3532	55	20	than	than	ADP
fsr-3532	55	21	those	those	PRON
fsr-3532	55	22	in	in	ADP
fsr-3532	55	23	the	the	DET
fsr-3532	55	24	acquisition	acquisition	NOUN
fsr-3532	55	25	phase	phase	NOUN
fsr-3532	55	26	.	.	PUNCT
fsr-3532	56	1	financial	financial	ADJ
fsr-3532	56	2	knowledge	knowledge	NOUN
fsr-3532	56	3	helps	help	VERB
fsr-3532	56	4	with	with	ADP
fsr-3532	56	5	decision	decision	NOUN
fsr-3532	56	6	making	making	NOUN
fsr-3532	56	7	because	because	SCONJ
fsr-3532	56	8	financial	financial	ADJ
fsr-3532	56	9	products	product	NOUN
fsr-3532	56	10	vary	vary	VERB
fsr-3532	56	11	in	in	ADP
fsr-3532	56	12	complexity	complexity	NOUN
fsr-3532	56	13	.	.	PUNCT
fsr-3532	57	1	financial	financial	ADJ
fsr-3532	57	2	products	product	NOUN
fsr-3532	57	3	are	be	AUX
fsr-3532	57	4	becoming	become	VERB
fsr-3532	57	5	more	more	ADV
fsr-3532	57	6	complex	complex	ADJ
fsr-3532	57	7	and	and	CCONJ
fsr-3532	57	8	require	require	VERB
fsr-3532	57	9	higher	high	ADJ
fsr-3532	57	10	levels	level	NOUN
fsr-3532	57	11	of	of	ADP
fsr-3532	57	12	financial	financial	ADJ
fsr-3532	57	13	literacy	literacy	NOUN
fsr-3532	57	14	.	.	PUNCT
fsr-3532	58	1	with	with	ADP
fsr-3532	58	2	the	the	DET
fsr-3532	58	3	shift	shift	NOUN
fsr-3532	58	4	from	from	ADP
fsr-3532	58	5	defined	define	VERB
fsr-3532	58	6	benefit	benefit	NOUN
fsr-3532	58	7	plans	plan	NOUN
fsr-3532	58	8	to	to	PART
fsr-3532	58	9	defined	define	VERB
fsr-3532	58	10	contribution	contribution	NOUN
fsr-3532	58	11	plans	plan	NOUN
fsr-3532	58	12	,	,	PUNCT
fsr-3532	58	13	individuals	individual	NOUN
fsr-3532	58	14	now	now	ADV
fsr-3532	58	15	have	have	VERB
fsr-3532	58	16	more	more	ADJ
fsr-3532	58	17	responsibility	responsibility	NOUN
fsr-3532	58	18	over	over	ADP
fsr-3532	58	19	their	their	PRON
fsr-3532	58	20	retirement	retirement	NOUN
fsr-3532	58	21	account	account	NOUN
fsr-3532	58	22	decisions	decision	NOUN
fsr-3532	58	23	.	.	PUNCT
fsr-3532	59	1	under	under	ADP
fsr-3532	59	2	the	the	DET
fsr-3532	59	3	defined	define	VERB
fsr-3532	59	4	benefit	benefit	NOUN
fsr-3532	59	5	plans	plan	NOUN
fsr-3532	59	6	,	,	PUNCT
fsr-3532	59	7	individuals	individual	NOUN
fsr-3532	59	8	are	be	AUX
fsr-3532	59	9	guaranteed	guarantee	VERB
fsr-3532	59	10	to	to	PART
fsr-3532	59	11	receive	receive	VERB
fsr-3532	59	12	some	some	DET
fsr-3532	59	13	dollar	dollar	NOUN
fsr-3532	59	14	amount	amount	NOUN
fsr-3532	59	15	at	at	ADP
fsr-3532	59	16	retirement	retirement	NOUN
fsr-3532	59	17	.	.	PUNCT
fsr-3532	60	1	the	the	DET
fsr-3532	60	2	employer	employer	NOUN
fsr-3532	60	3	bore	bear	VERB
fsr-3532	60	4	the	the	DET
fsr-3532	60	5	investment	investment	NOUN
fsr-3532	60	6	risk	risk	NOUN
fsr-3532	60	7	and	and	CCONJ
fsr-3532	60	8	made	make	VERB
fsr-3532	60	9	the	the	DET
fsr-3532	60	10	investment	investment	NOUN
fsr-3532	60	11	decisions	decision	NOUN
fsr-3532	60	12	.	.	PUNCT
fsr-3532	61	1	under	under	ADP
fsr-3532	61	2	the	the	DET
fsr-3532	61	3	defined	define	VERB
fsr-3532	61	4	contribution	contribution	NOUN
fsr-3532	61	5	plans	plan	VERB
fsr-3532	61	6	these	these	DET
fsr-3532	61	7	guarantees	guarantee	NOUN
fsr-3532	61	8	disappear	disappear	VERB
fsr-3532	61	9	.	.	PUNCT
fsr-3532	62	1	individuals	individual	NOUN
fsr-3532	62	2	now	now	ADV
fsr-3532	62	3	bear	bear	VERB
fsr-3532	62	4	the	the	DET
fsr-3532	62	5	full	full	ADJ
fsr-3532	62	6	risk	risk	NOUN
fsr-3532	62	7	of	of	ADP
fsr-3532	62	8	the	the	DET
fsr-3532	62	9	investment	investment	NOUN
fsr-3532	62	10	and	and	CCONJ
fsr-3532	62	11	must	must	AUX
fsr-3532	62	12	choose	choose	VERB
fsr-3532	62	13	where	where	SCONJ
fsr-3532	62	14	to	to	PART
fsr-3532	62	15	invest	invest	VERB
fsr-3532	62	16	.	.	PUNCT
fsr-3532	63	1	there	there	PRON
fsr-3532	63	2	is	be	VERB
fsr-3532	63	3	no	no	DET
fsr-3532	63	4	guaranteed	guarantee	VERB
fsr-3532	63	5	dollar	dollar	NOUN
fsr-3532	63	6	amount	amount	NOUN
fsr-3532	63	7	upon	upon	SCONJ
fsr-3532	63	8	retirement	retirement	NOUN
fsr-3532	63	9	,	,	PUNCT
fsr-3532	63	10	as	as	SCONJ
fsr-3532	63	11	the	the	DET
fsr-3532	63	12	portfolio	portfolio	NOUN
fsr-3532	63	13	value	value	NOUN
fsr-3532	63	14	depends	depend	VERB
fsr-3532	63	15	on	on	ADP
fsr-3532	63	16	how	how	SCONJ
fsr-3532	63	17	the	the	DET
fsr-3532	63	18	investments	investment	NOUN
fsr-3532	63	19	perform	perform	VERB
fsr-3532	63	20	over	over	ADP
fsr-3532	63	21	time	time	NOUN
fsr-3532	63	22	.	.	PUNCT
fsr-3532	64	1	individuals	individual	NOUN
fsr-3532	64	2	must	must	AUX
fsr-3532	64	3	determine	determine	VERB
fsr-3532	64	4	how	how	SCONJ
fsr-3532	64	5	much	much	ADJ
fsr-3532	64	6	to	to	PART
fsr-3532	64	7	contribute	contribute	VERB
fsr-3532	64	8	,	,	PUNCT
fsr-3532	64	9	where	where	SCONJ
fsr-3532	64	10	to	to	PART
fsr-3532	64	11	invest	invest	VERB
fsr-3532	64	12	it	it	PRON
fsr-3532	64	13	,	,	PUNCT
fsr-3532	64	14	and	and	CCONJ
fsr-3532	64	15	how	how	SCONJ
fsr-3532	64	16	to	to	PART
fsr-3532	64	17	make	make	VERB
fsr-3532	64	18	the	the	DET
fsr-3532	64	19	retirement	retirement	NOUN
fsr-3532	64	20	income	income	NOUN
fsr-3532	64	21	cover	cover	VERB
fsr-3532	64	22	their	their	PRON
fsr-3532	64	23	needs	need	NOUN
fsr-3532	64	24	through	through	ADP
fsr-3532	64	25	the	the	DET
fsr-3532	64	26	end	end	NOUN
fsr-3532	64	27	of	of	ADP
fsr-3532	64	28	life	life	NOUN
fsr-3532	64	29	.	.	PUNCT
fsr-3532	65	1	along	along	ADP
fsr-3532	65	2	with	with	ADP
fsr-3532	65	3	these	these	DET
fsr-3532	65	4	decisions	decision	NOUN
fsr-3532	65	5	,	,	PUNCT
fsr-3532	65	6	they	they	PRON
fsr-3532	65	7	also	also	ADV
fsr-3532	65	8	must	must	AUX
fsr-3532	65	9	navigate	navigate	VERB
fsr-3532	65	10	the	the	DET
fsr-3532	65	11	taxable	taxable	ADJ
fsr-3532	65	12	effects	effect	NOUN
fsr-3532	65	13	of	of	ADP
fsr-3532	65	14	withdrawals	withdrawal	NOUN
fsr-3532	65	15	during	during	ADP
fsr-3532	65	16	retirement	retirement	NOUN
fsr-3532	65	17	.	.	PUNCT
fsr-3532	66	1	the	the	DET
fsr-3532	66	2	problem	problem	NOUN
fsr-3532	66	3	of	of	ADP
fsr-3532	66	4	managing	manage	VERB
fsr-3532	66	5	financial	financial	ADJ
fsr-3532	66	6	decisions	decision	NOUN
fsr-3532	66	7	starts	start	VERB
fsr-3532	66	8	even	even	ADV
fsr-3532	66	9	before	before	ADP
fsr-3532	66	10	retirement	retirement	NOUN
fsr-3532	66	11	.	.	PUNCT
fsr-3532	67	1	college	college	NOUN
fsr-3532	67	2	students	student	NOUN
fsr-3532	67	3	are	be	AUX
fsr-3532	67	4	plagued	plague	VERB
fsr-3532	67	5	with	with	ADP
fsr-3532	67	6	increasingly	increasingly	ADV
fsr-3532	67	7	higher	high	ADJ
fsr-3532	67	8	levels	level	NOUN
fsr-3532	67	9	of	of	ADP
fsr-3532	67	10	debt	debt	NOUN
fsr-3532	67	11	(	(	PUNCT
fsr-3532	67	12	lusardi	lusardi	PROPN
fsr-3532	67	13	,	,	PUNCT
fsr-3532	67	14	mitchell	mitchell	PROPN
fsr-3532	67	15	,	,	PUNCT
fsr-3532	67	16	&	&	CCONJ
fsr-3532	67	17	curto	curto	PROPN
fsr-3532	67	18	,	,	PUNCT
fsr-3532	67	19	2010	2010	NUM
fsr-3532	67	20	)	)	PUNCT
fsr-3532	67	21	and	and	CCONJ
fsr-3532	67	22	show	show	VERB
fsr-3532	67	23	low	low	ADJ
fsr-3532	67	24	levels	level	NOUN
fsr-3532	67	25	of	of	ADP
fsr-3532	67	26	financial	financial	ADJ
fsr-3532	67	27	literacy	literacy	NOUN
fsr-3532	67	28	(	(	PUNCT
fsr-3532	67	29	chen	chen	PROPN
fsr-3532	67	30	&	&	CCONJ
fsr-3532	67	31	volpe	volpe	PROPN
fsr-3532	67	32	,	,	PUNCT
fsr-3532	67	33	1998	1998	NUM
fsr-3532	67	34	)	)	PUNCT
fsr-3532	67	35	,	,	PUNCT
fsr-3532	67	36	despite	despite	SCONJ
fsr-3532	67	37	increased	increase	VERB
fsr-3532	67	38	exposure	exposure	NOUN
fsr-3532	67	39	to	to	ADP
fsr-3532	67	40	personal	personal	ADJ
fsr-3532	67	41	finance	finance	NOUN
fsr-3532	67	42	concepts	concept	NOUN
fsr-3532	67	43	.	.	PUNCT
fsr-3532	68	1	this	this	PRON
fsr-3532	68	2	is	be	AUX
fsr-3532	68	3	even	even	ADV
fsr-3532	68	4	more	more	ADV
fsr-3532	68	5	disturbing	disturbing	ADJ
fsr-3532	68	6	when	when	SCONJ
fsr-3532	68	7	coupled	couple	VERB
fsr-3532	68	8	with	with	ADP
fsr-3532	68	9	the	the	DET
fsr-3532	68	10	fact	fact	NOUN
fsr-3532	68	11	that	that	SCONJ
fsr-3532	68	12	older	old	ADJ
fsr-3532	68	13	generations	generation	NOUN
fsr-3532	68	14	show	show	VERB
fsr-3532	68	15	low	low	ADJ
fsr-3532	68	16	literacy	literacy	NOUN
fsr-3532	68	17	levels	level	NOUN
fsr-3532	68	18	as	as	ADV
fsr-3532	68	19	well	well	ADV
fsr-3532	68	20	(	(	PUNCT
fsr-3532	68	21	chen	chen	PROPN
fsr-3532	68	22	&	&	CCONJ
fsr-3532	68	23	volpe	volpe	PROPN
fsr-3532	68	24	,	,	PUNCT
fsr-3532	68	25	1998	1998	NUM
fsr-3532	68	26	)	)	PUNCT
fsr-3532	68	27	.	.	PUNCT
fsr-3532	69	1	in	in	ADP
fsr-3532	69	2	2006	2006	NUM
fsr-3532	69	3	,	,	PUNCT
fsr-3532	69	4	the	the	DET
fsr-3532	69	5	us	us	PROPN
fsr-3532	69	6	department	department	PROPN
fsr-3532	69	7	of	of	ADP
fsr-3532	69	8	the	the	DET
fsr-3532	69	9	treasury	treasury	NOUN
fsr-3532	69	10	launched	launch	VERB
fsr-3532	69	11	the	the	DET
fsr-3532	69	12	first	first	ADJ
fsr-3532	69	13	national	national	ADJ
fsr-3532	69	14	program	program	NOUN
fsr-3532	69	15	aimed	aim	VERB
fsr-3532	69	16	at	at	ADP
fsr-3532	69	17	increasing	increase	VERB
fsr-3532	69	18	literacy	literacy	NOUN
fsr-3532	69	19	levels	level	NOUN
fsr-3532	69	20	nationwide	nationwide	ADV
fsr-3532	69	21	(	(	PUNCT
fsr-3532	69	22	remund	remund	NOUN
fsr-3532	69	23	,	,	PUNCT
fsr-3532	69	24	2010	2010	NUM
fsr-3532	69	25	)	)	PUNCT
fsr-3532	69	26	.	.	PUNCT
fsr-3532	70	1	this	this	PRON
fsr-3532	70	2	spurred	spur	VERB
fsr-3532	70	3	movements	movement	NOUN
fsr-3532	70	4	such	such	ADJ
fsr-3532	70	5	as	as	ADP
fsr-3532	70	6	the	the	DET
fsr-3532	70	7	jump$tart	jump$tart	NOUN
fsr-3532	70	8	coalition	coalition	NOUN
fsr-3532	70	9	for	for	ADP
fsr-3532	70	10	financial	financial	ADJ
fsr-3532	70	11	literacy	literacy	NOUN
fsr-3532	70	12	.	.	PUNCT
fsr-3532	71	1	the	the	DET
fsr-3532	71	2	coalition	coalition	NOUN
fsr-3532	71	3	launched	launch	VERB
fsr-3532	71	4	a	a	DET
fsr-3532	71	5	survey	survey	NOUN
fsr-3532	71	6	among	among	ADP
fsr-3532	71	7	high	high	ADJ
fsr-3532	71	8	school	school	NOUN
fsr-3532	71	9	students	student	NOUN
fsr-3532	71	10	.	.	PUNCT
fsr-3532	72	1	it	it	PRON
fsr-3532	72	2	measures	measure	VERB
fsr-3532	72	3	what	what	PRON
fsr-3532	72	4	they	they	PRON
fsr-3532	72	5	know	know	VERB
fsr-3532	72	6	,	,	PUNCT
fsr-3532	72	7	as	as	ADV
fsr-3532	72	8	well	well	ADV
fsr-3532	72	9	as	as	ADP
fsr-3532	72	10	areas	area	NOUN
fsr-3532	72	11	of	of	ADP
fsr-3532	72	12	concern	concern	NOUN
fsr-3532	72	13	relating	relate	VERB
fsr-3532	72	14	to	to	ADP
fsr-3532	72	15	financial	financial	ADJ
fsr-3532	72	16	products	product	NOUN
fsr-3532	72	17	.	.	PUNCT
fsr-3532	73	1	after	after	ADP
fsr-3532	73	2	the	the	DET
fsr-3532	73	3	introduction	introduction	NOUN
fsr-3532	73	4	of	of	ADP
fsr-3532	73	5	the	the	DET
fsr-3532	73	6	coalition	coalition	NOUN
fsr-3532	73	7	,	,	PUNCT
fsr-3532	73	8	financial	financial	ADJ
fsr-3532	73	9	education	education	NOUN
fsr-3532	73	10	scores	score	NOUN
fsr-3532	73	11	increased	increase	VERB
fsr-3532	73	12	slightly	slightly	ADV
fsr-3532	73	13	over	over	ADP
fsr-3532	73	14	time	time	NOUN
fsr-3532	73	15	.	.	PUNCT
fsr-3532	74	1	however	however	ADV
fsr-3532	74	2	,	,	PUNCT
fsr-3532	74	3	financial	financial	ADJ
fsr-3532	74	4	education	education	NOUN
fsr-3532	74	5	and	and	CCONJ
fsr-3532	74	6	financial	financial	ADJ
fsr-3532	74	7	literacy	literacy	NOUN
fsr-3532	74	8	are	be	AUX
fsr-3532	74	9	not	not	PART
fsr-3532	74	10	the	the	DET
fsr-3532	74	11	same	same	ADJ
fsr-3532	74	12	.	.	PUNCT
fsr-3532	75	1	2.1	2.1	NUM
fsr-3532	75	2	.	.	PUNCT
fsr-3532	75	3	financial	financial	ADJ
fsr-3532	75	4	education	education	NOUN
fsr-3532	75	5	versus	versus	ADP
fsr-3532	75	6	financial	financial	ADJ
fsr-3532	75	7	literacy	literacy	NOUN
fsr-3532	75	8	financial	financial	ADJ
fsr-3532	75	9	literacy	literacy	NOUN
fsr-3532	75	10	is	be	AUX
fsr-3532	75	11	not	not	PART
fsr-3532	75	12	to	to	PART
fsr-3532	75	13	be	be	AUX
fsr-3532	75	14	confused	confuse	VERB
fsr-3532	75	15	with	with	ADP
fsr-3532	75	16	financial	financial	ADJ
fsr-3532	75	17	education	education	NOUN
fsr-3532	75	18	.	.	PUNCT
fsr-3532	76	1	financial	financial	ADJ
fsr-3532	76	2	education	education	NOUN
fsr-3532	76	3	is	be	AUX
fsr-3532	76	4	simply	simply	ADV
fsr-3532	76	5	gaining	gain	VERB
fsr-3532	76	6	knowledge	knowledge	NOUN
fsr-3532	76	7	and	and	CCONJ
fsr-3532	76	8	understanding	understanding	NOUN
fsr-3532	76	9	of	of	ADP
fsr-3532	76	10	financial	financial	ADJ
fsr-3532	76	11	products	product	NOUN
fsr-3532	76	12	and	and	CCONJ
fsr-3532	76	13	processes	process	NOUN
fsr-3532	76	14	(	(	PUNCT
fsr-3532	76	15	schwab	schwab	PROPN
fsr-3532	76	16	l.	l.	PROPN
fsr-3532	76	17	a.	a.	PROPN
fsr-3532	76	18	v.	v.	PROPN
fsr-3532	76	19	augustin	augustin	PROPN
fsr-3532	76	20	and	and	CCONJ
fsr-3532	76	21	t.	t.	PROPN
fsr-3532	76	22	k.	k.	PROPN
fsr-3532	76	23	martin	martin	PROPN
fsr-3532	76	24	/	/	SYM
fsr-3532	76	25	financial	financial	ADJ
fsr-3532	76	26	services	service	NOUN
fsr-3532	76	27	review	review	VERB
fsr-3532	76	28	31	31	NUM
fsr-3532	76	29	(	(	PUNCT
fsr-3532	76	30	2023	2023	NUM
fsr-3532	76	31	)	)	PUNCT
fsr-3532	77	1	151–167	151–167	NUM
fsr-3532	77	2	153	153	NUM
fsr-3532	77	3	et	et	NOUN
fsr-3532	77	4	al	al	PROPN
fsr-3532	77	5	.	.	PROPN
fsr-3532	77	6	,	,	PUNCT
fsr-3532	77	7	2008	2008	NUM
fsr-3532	77	8	)	)	PUNCT
fsr-3532	77	9	.	.	PUNCT
fsr-3532	78	1	this	this	PRON
fsr-3532	78	2	can	can	AUX
fsr-3532	78	3	be	be	AUX
fsr-3532	78	4	done	do	VERB
fsr-3532	78	5	face	face	NOUN
fsr-3532	78	6	to	to	ADP
fsr-3532	78	7	face	face	NOUN
fsr-3532	78	8	or	or	CCONJ
fsr-3532	78	9	online	online	ADV
fsr-3532	78	10	and	and	CCONJ
fsr-3532	78	11	falls	fall	VERB
fsr-3532	78	12	under	under	ADP
fsr-3532	78	13	many	many	ADJ
fsr-3532	78	14	formats	format	NOUN
fsr-3532	78	15	within	within	ADP
fsr-3532	78	16	those	those	DET
fsr-3532	78	17	two	two	NUM
fsr-3532	78	18	platforms	platform	NOUN
fsr-3532	78	19	.	.	PUNCT
fsr-3532	79	1	the	the	DET
fsr-3532	79	2	content	content	NOUN
fsr-3532	79	3	of	of	ADP
fsr-3532	79	4	these	these	DET
fsr-3532	79	5	courses	course	NOUN
fsr-3532	79	6	is	be	AUX
fsr-3532	79	7	not	not	PART
fsr-3532	79	8	well	well	ADV
fsr-3532	79	9	regulated	regulate	VERB
fsr-3532	79	10	and	and	CCONJ
fsr-3532	79	11	can	can	AUX
fsr-3532	79	12	vary	vary	VERB
fsr-3532	79	13	widely	widely	ADV
fsr-3532	79	14	in	in	ADP
fsr-3532	79	15	quality	quality	NOUN
fsr-3532	79	16	(	(	PUNCT
fsr-3532	79	17	willis	willis	PROPN
fsr-3532	79	18	,	,	PUNCT
fsr-3532	79	19	2008	2008	NUM
fsr-3532	79	20	)	)	PUNCT
fsr-3532	79	21	.	.	PUNCT
fsr-3532	80	1	financial	financial	ADJ
fsr-3532	80	2	education	education	NOUN
fsr-3532	80	3	courses	course	NOUN
fsr-3532	80	4	provide	provide	VERB
fsr-3532	80	5	the	the	DET
fsr-3532	80	6	basic	basic	ADJ
fsr-3532	80	7	knowledge	knowledge	NOUN
fsr-3532	80	8	,	,	PUNCT
fsr-3532	80	9	but	but	CCONJ
fsr-3532	80	10	this	this	PRON
fsr-3532	80	11	still	still	ADV
fsr-3532	80	12	needs	need	VERB
fsr-3532	80	13	to	to	PART
fsr-3532	80	14	be	be	AUX
fsr-3532	80	15	combined	combine	VERB
fsr-3532	80	16	with	with	ADP
fsr-3532	80	17	human	human	ADJ
fsr-3532	80	18	capital	capital	NOUN
fsr-3532	80	19	to	to	PART
fsr-3532	80	20	make	make	VERB
fsr-3532	80	21	financial	financial	ADJ
fsr-3532	80	22	decisions	decision	NOUN
fsr-3532	80	23	.	.	PUNCT
fsr-3532	81	1	some	some	PRON
fsr-3532	81	2	argue	argue	VERB
fsr-3532	81	3	that	that	SCONJ
fsr-3532	81	4	financial	financial	ADJ
fsr-3532	81	5	education	education	NOUN
fsr-3532	81	6	courses	course	NOUN
fsr-3532	81	7	simply	simply	ADV
fsr-3532	81	8	do	do	AUX
fsr-3532	81	9	not	not	PART
fsr-3532	81	10	work	work	VERB
fsr-3532	81	11	(	(	PUNCT
fsr-3532	81	12	willis	willis	PROPN
fsr-3532	81	13	,	,	PUNCT
fsr-3532	81	14	2008	2008	NUM
fsr-3532	81	15	)	)	PUNCT
fsr-3532	81	16	and	and	CCONJ
fsr-3532	81	17	early	early	ADJ
fsr-3532	81	18	exposure	exposure	NOUN
fsr-3532	81	19	to	to	ADP
fsr-3532	81	20	the	the	DET
fsr-3532	81	21	topics	topic	NOUN
fsr-3532	81	22	is	be	AUX
fsr-3532	81	23	futile	futile	ADJ
fsr-3532	81	24	.	.	PUNCT
fsr-3532	82	1	financial	financial	ADJ
fsr-3532	82	2	education	education	NOUN
fsr-3532	82	3	courses	course	NOUN
fsr-3532	82	4	may	may	AUX
fsr-3532	82	5	increase	increase	VERB
fsr-3532	82	6	consumer	consumer	NOUN
fsr-3532	82	7	confidence	confidence	NOUN
fsr-3532	82	8	in	in	ADP
fsr-3532	82	9	their	their	PRON
fsr-3532	82	10	ability	ability	NOUN
fsr-3532	82	11	to	to	PART
fsr-3532	82	12	correctly	correctly	ADV
fsr-3532	82	13	manage	manage	VERB
fsr-3532	82	14	their	their	PRON
fsr-3532	82	15	finances	finance	NOUN
fsr-3532	82	16	(	(	PUNCT
fsr-3532	82	17	bernheim	bernheim	PROPN
fsr-3532	82	18	et	et	PROPN
fsr-3532	82	19	al	al	PROPN
fsr-3532	82	20	.	.	PROPN
fsr-3532	82	21	,	,	PUNCT
fsr-3532	82	22	2001	2001	NUM
fsr-3532	82	23	;	;	PUNCT
fsr-3532	82	24	guiso	guiso	PROPN
fsr-3532	82	25	&	&	CCONJ
fsr-3532	82	26	jappelli	jappelli	PROPN
fsr-3532	82	27	,	,	PUNCT
fsr-3532	82	28	2006	2006	NUM
fsr-3532	82	29	;	;	PUNCT
fsr-3532	82	30	willis	willis	PROPN
fsr-3532	82	31	,	,	PUNCT
fsr-3532	82	32	2008	2008	NUM
fsr-3532	82	33	)	)	PUNCT
fsr-3532	82	34	,	,	PUNCT
fsr-3532	82	35	while	while	SCONJ
fsr-3532	82	36	doing	do	VERB
fsr-3532	82	37	little	little	ADJ
fsr-3532	82	38	to	to	PART
fsr-3532	82	39	affect	affect	VERB
fsr-3532	82	40	actual	actual	ADJ
fsr-3532	82	41	capability	capability	NOUN
fsr-3532	82	42	(	(	PUNCT
fsr-3532	82	43	bernheim	bernheim	PROPN
fsr-3532	82	44	et	et	PROPN
fsr-3532	82	45	al	al	PROPN
fsr-3532	82	46	.	.	PROPN
fsr-3532	82	47	,	,	PUNCT
fsr-3532	82	48	2001	2001	NUM
fsr-3532	82	49	)	)	PUNCT
fsr-3532	82	50	.	.	PUNCT
fsr-3532	83	1	the	the	DET
fsr-3532	83	2	term	term	NOUN
fsr-3532	83	3	“	"	PUNCT
fsr-3532	83	4	financial	financial	ADJ
fsr-3532	83	5	literacy	literacy	NOUN
fsr-3532	83	6	”	"	PUNCT
fsr-3532	83	7	refers	refer	VERB
fsr-3532	83	8	to	to	ADP
fsr-3532	83	9	the	the	DET
fsr-3532	83	10	ability	ability	NOUN
fsr-3532	83	11	to	to	PART
fsr-3532	83	12	combine	combine	VERB
fsr-3532	83	13	knowledge	knowledge	NOUN
fsr-3532	83	14	and	and	CCONJ
fsr-3532	83	15	skills	skill	NOUN
fsr-3532	83	16	to	to	PART
fsr-3532	83	17	effectively	effectively	ADV
fsr-3532	83	18	manage	manage	VERB
fsr-3532	83	19	finances	finance	NOUN
fsr-3532	83	20	(	(	PUNCT
fsr-3532	83	21	huston	huston	PROPN
fsr-3532	83	22	,	,	PUNCT
fsr-3532	83	23	2010	2010	NUM
fsr-3532	83	24	;	;	PUNCT
fsr-3532	83	25	remund	remund	NOUN
fsr-3532	83	26	,	,	PUNCT
fsr-3532	83	27	2010	2010	NUM
fsr-3532	83	28	)	)	PUNCT
fsr-3532	83	29	.	.	PUNCT
fsr-3532	84	1	those	those	PRON
fsr-3532	84	2	who	who	PRON
fsr-3532	84	3	are	be	AUX
fsr-3532	84	4	more	more	ADV
fsr-3532	84	5	financially	financially	ADV
fsr-3532	84	6	literate	literate	ADJ
fsr-3532	84	7	make	make	VERB
fsr-3532	84	8	better	well	ADJ
fsr-3532	84	9	financial	financial	ADJ
fsr-3532	84	10	decisions	decision	NOUN
fsr-3532	84	11	overall	overall	ADV
fsr-3532	84	12	.	.	PUNCT
fsr-3532	85	1	they	they	PRON
fsr-3532	85	2	save	save	VERB
fsr-3532	85	3	more	more	ADJ
fsr-3532	85	4	for	for	ADP
fsr-3532	85	5	retirement	retirement	NOUN
fsr-3532	85	6	,	,	PUNCT
fsr-3532	85	7	have	have	VERB
fsr-3532	85	8	less	less	ADJ
fsr-3532	85	9	debt	debt	NOUN
fsr-3532	85	10	,	,	PUNCT
fsr-3532	85	11	and	and	CCONJ
fsr-3532	85	12	diversify	diversify	VERB
fsr-3532	85	13	their	their	PRON
fsr-3532	85	14	investments	investment	NOUN
fsr-3532	85	15	(	(	PUNCT
fsr-3532	85	16	guiso	guiso	PROPN
fsr-3532	85	17	&	&	CCONJ
fsr-3532	85	18	jappelli	jappelli	PROPN
fsr-3532	85	19	,	,	PUNCT
fsr-3532	85	20	2006	2006	NUM
fsr-3532	85	21	;	;	PUNCT
fsr-3532	85	22	van	van	PROPN
fsr-3532	85	23	rooij	rooij	NOUN
fsr-3532	85	24	et	et	PROPN
fsr-3532	85	25	al	al	PROPN
fsr-3532	85	26	.	.	PROPN
fsr-3532	85	27	,	,	PUNCT
fsr-3532	85	28	2011	2011	NUM
fsr-3532	85	29	)	)	PUNCT
fsr-3532	85	30	.	.	PUNCT
fsr-3532	86	1	individuals	individual	NOUN
fsr-3532	86	2	who	who	PRON
fsr-3532	86	3	are	be	AUX
fsr-3532	86	4	less	less	ADV
fsr-3532	86	5	financially	financially	ADV
fsr-3532	86	6	literate	literate	ADJ
fsr-3532	86	7	tend	tend	VERB
fsr-3532	86	8	to	to	PART
fsr-3532	86	9	have	have	VERB
fsr-3532	86	10	higher	high	ADJ
fsr-3532	86	11	debt	debt	NOUN
fsr-3532	86	12	(	(	PUNCT
fsr-3532	86	13	gathergood	gathergood	NOUN
fsr-3532	86	14	,	,	PUNCT
fsr-3532	86	15	2012	2012	NUM
fsr-3532	86	16	;	;	PUNCT
fsr-3532	86	17	lusardi	lusardi	PROPN
fsr-3532	86	18	&	&	CCONJ
fsr-3532	86	19	tufano	tufano	ADJ
fsr-3532	86	20	,	,	PUNCT
fsr-3532	86	21	2009	2009	NUM
fsr-3532	86	22	)	)	PUNCT
fsr-3532	86	23	,	,	PUNCT
fsr-3532	86	24	utilize	utilize	VERB
fsr-3532	86	25	predatory	predatory	ADJ
fsr-3532	86	26	lending	lending	NOUN
fsr-3532	86	27	,	,	PUNCT
fsr-3532	86	28	and	and	CCONJ
fsr-3532	86	29	have	have	VERB
fsr-3532	86	30	less	less	ADJ
fsr-3532	86	31	savings	saving	NOUN
fsr-3532	86	32	(	(	PUNCT
fsr-3532	86	33	campbell	campbell	PROPN
fsr-3532	86	34	,	,	PUNCT
fsr-3532	86	35	2006	2006	NUM
fsr-3532	86	36	;	;	PUNCT
fsr-3532	86	37	lusardi	lusardi	PROPN
fsr-3532	86	38	&	&	CCONJ
fsr-3532	86	39	tufano	tufano	ADJ
fsr-3532	86	40	,	,	PUNCT
fsr-3532	86	41	2009	2009	NUM
fsr-3532	86	42	)	)	PUNCT
fsr-3532	86	43	.	.	PUNCT
fsr-3532	87	1	there	there	PRON
fsr-3532	87	2	is	be	VERB
fsr-3532	87	3	mixed	mixed	ADJ
fsr-3532	87	4	evidence	evidence	NOUN
fsr-3532	87	5	of	of	ADP
fsr-3532	87	6	the	the	DET
fsr-3532	87	7	association	association	NOUN
fsr-3532	87	8	between	between	ADP
fsr-3532	87	9	early	early	ADJ
fsr-3532	87	10	financial	financial	ADJ
fsr-3532	87	11	literacy	literacy	NOUN
fsr-3532	87	12	classes	class	NOUN
fsr-3532	87	13	on	on	ADP
fsr-3532	87	14	financial	financial	ADJ
fsr-3532	87	15	decisions	decision	NOUN
fsr-3532	87	16	.	.	PUNCT
fsr-3532	88	1	studies	study	NOUN
fsr-3532	88	2	have	have	AUX
fsr-3532	88	3	shown	show	VERB
fsr-3532	88	4	that	that	SCONJ
fsr-3532	88	5	high	high	ADJ
fsr-3532	88	6	school	school	NOUN
fsr-3532	88	7	students	student	NOUN
fsr-3532	88	8	are	be	AUX
fsr-3532	88	9	not	not	PART
fsr-3532	88	10	financially	financially	ADV
fsr-3532	88	11	literate	literate	ADJ
fsr-3532	88	12	(	(	PUNCT
fsr-3532	88	13	chen	chen	PROPN
fsr-3532	88	14	&	&	CCONJ
fsr-3532	88	15	volpe	volpe	PROPN
fsr-3532	88	16	,	,	PUNCT
fsr-3532	88	17	1998	1998	NUM
fsr-3532	88	18	)	)	PUNCT
fsr-3532	88	19	,	,	PUNCT
fsr-3532	88	20	and	and	CCONJ
fsr-3532	88	21	that	that	SCONJ
fsr-3532	88	22	they	they	PRON
fsr-3532	88	23	are	be	AUX
fsr-3532	88	24	unable	unable	ADJ
fsr-3532	88	25	to	to	PART
fsr-3532	88	26	answer	answer	VERB
fsr-3532	88	27	basic	basic	ADJ
fsr-3532	88	28	questions	question	NOUN
fsr-3532	88	29	about	about	ADP
fsr-3532	88	30	money	money	NOUN
fsr-3532	88	31	management	management	NOUN
fsr-3532	88	32	and	and	CCONJ
fsr-3532	88	33	investing	investing	NOUN
fsr-3532	88	34	.	.	PUNCT
fsr-3532	89	1	other	other	ADJ
fsr-3532	89	2	studies	study	NOUN
fsr-3532	89	3	show	show	VERB
fsr-3532	89	4	the	the	DET
fsr-3532	89	5	lasting	last	VERB
fsr-3532	89	6	association	association	NOUN
fsr-3532	89	7	between	between	ADP
fsr-3532	89	8	early	early	ADJ
fsr-3532	89	9	financial	financial	ADJ
fsr-3532	89	10	education	education	NOUN
fsr-3532	89	11	in	in	ADP
fsr-3532	89	12	high	high	ADJ
fsr-3532	89	13	school	school	NOUN
fsr-3532	89	14	(	(	PUNCT
fsr-3532	89	15	bernheim	bernheim	PROPN
fsr-3532	89	16	et	et	PROPN
fsr-3532	89	17	al	al	PROPN
fsr-3532	89	18	.	.	PROPN
fsr-3532	89	19	,	,	PUNCT
fsr-3532	89	20	2001	2001	NUM
fsr-3532	89	21	;	;	PUNCT
fsr-3532	89	22	lührmann	lührmann	PROPN
fsr-3532	89	23	,	,	PUNCT
fsr-3532	89	24	serra	serra	PROPN
fsr-3532	89	25	-	-	PUNCT
fsr-3532	89	26	garcia	garcia	PROPN
fsr-3532	89	27	,	,	PUNCT
fsr-3532	89	28	&	&	CCONJ
fsr-3532	89	29	winter	winter	NOUN
fsr-3532	89	30	,	,	PUNCT
fsr-3532	89	31	2015	2015	NUM
fsr-3532	89	32	)	)	PUNCT
fsr-3532	89	33	and	and	CCONJ
fsr-3532	89	34	even	even	ADV
fsr-3532	89	35	elementary	elementary	ADJ
fsr-3532	89	36	school	school	PROPN
fsr-3532	89	37	(	(	PUNCT
fsr-3532	89	38	batty	batty	PROPN
fsr-3532	89	39	,	,	PUNCT
fsr-3532	89	40	collins	collins	PROPN
fsr-3532	89	41	,	,	PUNCT
fsr-3532	89	42	&	&	CCONJ
fsr-3532	89	43	odders	odder	NOUN
fsr-3532	89	44	-	-	PUNCT
fsr-3532	89	45	white	white	ADJ
fsr-3532	89	46	,	,	PUNCT
fsr-3532	89	47	2015	2015	NUM
fsr-3532	89	48	)	)	PUNCT
fsr-3532	89	49	.	.	PUNCT
fsr-3532	90	1	in	in	ADP
fsr-3532	90	2	these	these	DET
fsr-3532	90	3	studies	study	NOUN
fsr-3532	90	4	,	,	PUNCT
fsr-3532	90	5	even	even	ADV
fsr-3532	90	6	brief	brief	ADJ
fsr-3532	90	7	exposure	exposure	NOUN
fsr-3532	90	8	to	to	ADP
fsr-3532	90	9	financial	financial	ADJ
fsr-3532	90	10	education	education	NOUN
fsr-3532	90	11	had	have	VERB
fsr-3532	90	12	effects	effect	NOUN
fsr-3532	90	13	that	that	PRON
fsr-3532	90	14	lasted	last	VERB
fsr-3532	90	15	months	month	NOUN
fsr-3532	90	16	afterward	afterward	ADV
fsr-3532	90	17	(	(	PUNCT
fsr-3532	90	18	ning	ning	PROPN
fsr-3532	90	19	&	&	CCONJ
fsr-3532	90	20	peter	peter	PROPN
fsr-3532	90	21	,	,	PUNCT
fsr-3532	90	22	2015	2015	NUM
fsr-3532	90	23	)	)	PUNCT
fsr-3532	90	24	.	.	PUNCT
fsr-3532	91	1	the	the	DET
fsr-3532	91	2	students	student	NOUN
fsr-3532	91	3	who	who	PRON
fsr-3532	91	4	received	receive	VERB
fsr-3532	91	5	financial	financial	ADJ
fsr-3532	91	6	education	education	NOUN
fsr-3532	91	7	not	not	PART
fsr-3532	91	8	only	only	ADV
fsr-3532	91	9	had	have	VERB
fsr-3532	91	10	more	more	ADV
fsr-3532	91	11	positive	positive	ADJ
fsr-3532	91	12	attitudes	attitude	NOUN
fsr-3532	91	13	but	but	CCONJ
fsr-3532	91	14	were	be	AUX
fsr-3532	91	15	also	also	ADV
fsr-3532	91	16	more	more	ADV
fsr-3532	91	17	inclined	inclined	ADJ
fsr-3532	91	18	to	to	PART
fsr-3532	91	19	save	save	VERB
fsr-3532	91	20	.	.	PUNCT
fsr-3532	92	1	they	they	PRON
fsr-3532	92	2	also	also	ADV
fsr-3532	92	3	tended	tend	VERB
fsr-3532	92	4	to	to	PART
fsr-3532	92	5	have	have	VERB
fsr-3532	92	6	higher	high	ADJ
fsr-3532	92	7	credit	credit	NOUN
fsr-3532	92	8	scores	score	NOUN
fsr-3532	92	9	(	(	PUNCT
fsr-3532	92	10	brown	brown	PROPN
fsr-3532	92	11	,	,	PUNCT
fsr-3532	92	12	collins	collin	NOUN
fsr-3532	92	13	,	,	PUNCT
fsr-3532	92	14	schmeiser	schmeiser	ADJ
fsr-3532	92	15	,	,	PUNCT
fsr-3532	92	16	&	&	CCONJ
fsr-3532	92	17	urban	urban	ADJ
fsr-3532	92	18	,	,	PUNCT
fsr-3532	92	19	2014	2014	NUM
fsr-3532	92	20	)	)	PUNCT
fsr-3532	92	21	and	and	CCONJ
fsr-3532	92	22	lower	low	ADJ
fsr-3532	92	23	delinquency	delinquency	NOUN
fsr-3532	92	24	rates	rate	NOUN
fsr-3532	92	25	than	than	ADP
fsr-3532	92	26	those	those	PRON
fsr-3532	92	27	who	who	PRON
fsr-3532	92	28	did	do	AUX
fsr-3532	92	29	not	not	PART
fsr-3532	92	30	get	get	VERB
fsr-3532	92	31	financial	financial	ADJ
fsr-3532	92	32	education	education	NOUN
fsr-3532	92	33	in	in	ADP
fsr-3532	92	34	school	school	NOUN
fsr-3532	92	35	.	.	PUNCT
fsr-3532	93	1	more	more	ADJ
fsr-3532	93	2	states	state	NOUN
fsr-3532	93	3	are	be	AUX
fsr-3532	93	4	including	include	VERB
fsr-3532	93	5	financial	financial	ADJ
fsr-3532	93	6	education	education	NOUN
fsr-3532	93	7	for	for	ADP
fsr-3532	93	8	high	high	ADJ
fsr-3532	93	9	schools	school	NOUN
fsr-3532	93	10	,	,	PUNCT
fsr-3532	93	11	but	but	CCONJ
fsr-3532	93	12	it	it	PRON
fsr-3532	93	13	is	be	AUX
fsr-3532	93	14	not	not	PART
fsr-3532	93	15	mandatory	mandatory	ADJ
fsr-3532	93	16	or	or	CCONJ
fsr-3532	93	17	tested	test	VERB
fsr-3532	93	18	in	in	ADP
fsr-3532	93	19	all	all	DET
fsr-3532	93	20	states	state	NOUN
fsr-3532	93	21	.	.	PUNCT
fsr-3532	94	1	this	this	DET
fsr-3532	94	2	paper	paper	NOUN
fsr-3532	94	3	examines	examine	VERB
fsr-3532	94	4	the	the	DET
fsr-3532	94	5	association	association	NOUN
fsr-3532	94	6	between	between	ADP
fsr-3532	94	7	timing	timing	NOUN
fsr-3532	94	8	and	and	CCONJ
fsr-3532	94	9	frequency	frequency	NOUN
fsr-3532	94	10	of	of	ADP
fsr-3532	94	11	exposure	exposure	NOUN
fsr-3532	94	12	to	to	ADP
fsr-3532	94	13	financial	financial	ADJ
fsr-3532	94	14	education	education	NOUN
fsr-3532	94	15	and	and	CCONJ
fsr-3532	94	16	positive	positive	ADJ
fsr-3532	94	17	financial	financial	ADJ
fsr-3532	94	18	behaviors	behavior	NOUN
fsr-3532	94	19	.	.	PUNCT
fsr-3532	95	1	we	we	PRON
fsr-3532	95	2	found	find	VERB
fsr-3532	95	3	support	support	NOUN
fsr-3532	95	4	for	for	ADP
fsr-3532	95	5	the	the	DET
fsr-3532	95	6	hypotheses	hypothesis	NOUN
fsr-3532	95	7	that	that	PRON
fsr-3532	95	8	timing	timing	NOUN
fsr-3532	95	9	and	and	CCONJ
fsr-3532	95	10	frequency	frequency	NOUN
fsr-3532	95	11	(	(	PUNCT
fsr-3532	95	12	kaiser	kaiser	PROPN
fsr-3532	95	13	&	&	CCONJ
fsr-3532	95	14	menkhoff	menkhoff	PROPN
fsr-3532	95	15	,	,	PUNCT
fsr-3532	95	16	2017	2017	NUM
fsr-3532	95	17	)	)	PUNCT
fsr-3532	95	18	are	be	AUX
fsr-3532	95	19	associated	associate	VERB
fsr-3532	95	20	with	with	ADP
fsr-3532	95	21	quality	quality	NOUN
fsr-3532	95	22	financial	financial	ADJ
fsr-3532	95	23	decisions	decision	NOUN
fsr-3532	95	24	.	.	PUNCT
fsr-3532	96	1	3	3	X
fsr-3532	96	2	.	.	X
fsr-3532	96	3	data	datum	NOUN
fsr-3532	96	4	,	,	PUNCT
fsr-3532	96	5	hypotheses	hypothesis	NOUN
fsr-3532	96	6	,	,	PUNCT
fsr-3532	96	7	and	and	CCONJ
fsr-3532	96	8	methods	method	NOUN
fsr-3532	96	9	3.1	3.1	NUM
fsr-3532	96	10	.	.	PUNCT
fsr-3532	96	11	data	datum	NOUN
fsr-3532	96	12	and	and	CCONJ
fsr-3532	96	13	sample	sample	NOUN
fsr-3532	96	14	this	this	DET
fsr-3532	96	15	paper	paper	NOUN
fsr-3532	96	16	uses	use	VERB
fsr-3532	96	17	the	the	DET
fsr-3532	96	18	2015	2015	NUM
fsr-3532	96	19	data	datum	NOUN
fsr-3532	96	20	from	from	ADP
fsr-3532	96	21	the	the	DET
fsr-3532	96	22	national	national	ADJ
fsr-3532	96	23	financial	financial	ADJ
fsr-3532	96	24	capability	capability	NOUN
fsr-3532	96	25	study	study	NOUN
fsr-3532	96	26	(	(	PUNCT
fsr-3532	96	27	nfcs	nfc	NOUN
fsr-3532	96	28	)	)	PUNCT
fsr-3532	96	29	.	.	PUNCT
fsr-3532	97	1	this	this	PRON
fsr-3532	97	2	is	be	AUX
fsr-3532	97	3	a	a	DET
fsr-3532	97	4	nationally	nationally	ADV
fsr-3532	97	5	representative	representative	ADJ
fsr-3532	97	6	study	study	NOUN
fsr-3532	97	7	conducted	conduct	VERB
fsr-3532	97	8	on	on	ADP
fsr-3532	97	9	27,564	27,564	NUM
fsr-3532	97	10	american	american	ADJ
fsr-3532	97	11	adults	adult	NOUN
fsr-3532	97	12	.	.	PUNCT
fsr-3532	98	1	it	it	PRON
fsr-3532	98	2	is	be	AUX
fsr-3532	98	3	a	a	DET
fsr-3532	98	4	state	state	NOUN
fsr-3532	98	5	-	-	PUNCT
fsr-3532	98	6	bystate	bystate	NOUN
fsr-3532	98	7	survey	survey	NOUN
fsr-3532	98	8	and	and	CCONJ
fsr-3532	98	9	samples	sample	NOUN
fsr-3532	98	10	about	about	ADP
fsr-3532	98	11	500	500	NUM
fsr-3532	98	12	individuals	individual	NOUN
fsr-3532	98	13	per	per	ADP
fsr-3532	98	14	state	state	NOUN
fsr-3532	98	15	and	and	CCONJ
fsr-3532	98	16	includes	include	VERB
fsr-3532	98	17	the	the	DET
fsr-3532	98	18	district	district	NOUN
fsr-3532	98	19	of	of	ADP
fsr-3532	98	20	columbia	columbia	PROPN
fsr-3532	98	21	.	.	PUNCT
fsr-3532	99	1	the	the	DET
fsr-3532	99	2	following	follow	VERB
fsr-3532	99	3	states	state	NOUN
fsr-3532	99	4	represent	represent	VERB
fsr-3532	99	5	an	an	DET
fsr-3532	99	6	oversampling	oversampling	NOUN
fsr-3532	99	7	of	of	ADP
fsr-3532	99	8	individuals	individual	NOUN
fsr-3532	99	9	:	:	PUNCT
fsr-3532	99	10	new	new	PROPN
fsr-3532	99	11	york	york	PROPN
fsr-3532	99	12	,	,	PUNCT
fsr-3532	99	13	texas	texas	PROPN
fsr-3532	99	14	,	,	PUNCT
fsr-3532	99	15	illinois	illinois	PROPN
fsr-3532	99	16	,	,	PUNCT
fsr-3532	99	17	and	and	CCONJ
fsr-3532	99	18	california	california	PROPN
fsr-3532	99	19	.	.	PUNCT
fsr-3532	100	1	the	the	DET
fsr-3532	100	2	three	three	NUM
fsr-3532	100	3	dependent	dependent	ADJ
fsr-3532	100	4	variables	variable	NOUN
fsr-3532	100	5	are	be	AUX
fsr-3532	100	6	explicitly	explicitly	ADV
fsr-3532	100	7	captured	capture	VERB
fsr-3532	100	8	in	in	ADP
fsr-3532	100	9	questions	question	NOUN
fsr-3532	100	10	in	in	ADP
fsr-3532	100	11	the	the	DET
fsr-3532	100	12	study	study	NOUN
fsr-3532	100	13	.	.	PUNCT
fsr-3532	101	1	the	the	DET
fsr-3532	101	2	study	study	NOUN
fsr-3532	101	3	contains	contain	VERB
fsr-3532	101	4	questions	question	NOUN
fsr-3532	101	5	related	relate	VERB
fsr-3532	101	6	to	to	ADP
fsr-3532	101	7	the	the	DET
fsr-3532	101	8	point	point	NOUN
fsr-3532	101	9	in	in	ADP
fsr-3532	101	10	time	time	NOUN
fsr-3532	101	11	when	when	SCONJ
fsr-3532	101	12	respondents	respondent	NOUN
fsr-3532	101	13	receive	receive	VERB
fsr-3532	101	14	154	154	NUM
fsr-3532	101	15	l.	l.	PROPN
fsr-3532	101	16	a.	a.	PROPN
fsr-3532	101	17	v.	v.	PROPN
fsr-3532	101	18	augustin	augustin	PROPN
fsr-3532	101	19	and	and	CCONJ
fsr-3532	101	20	t.	t.	PROPN
fsr-3532	101	21	k.	k.	PROPN
fsr-3532	101	22	martin	martin	PROPN
fsr-3532	101	23	/	/	SYM
fsr-3532	101	24	financial	financial	ADJ
fsr-3532	101	25	services	service	NOUN
fsr-3532	101	26	review	review	VERB
fsr-3532	101	27	31	31	NUM
fsr-3532	101	28	(	(	PUNCT
fsr-3532	101	29	2023	2023	NUM
fsr-3532	101	30	)	)	PUNCT
fsr-3532	101	31	151–167	151–167	NUM
fsr-3532	101	32	financial	financial	ADJ
fsr-3532	101	33	education	education	NOUN
fsr-3532	101	34	and	and	CCONJ
fsr-3532	101	35	how	how	SCONJ
fsr-3532	101	36	many	many	ADJ
fsr-3532	101	37	times	time	NOUN
fsr-3532	101	38	they	they	PRON
fsr-3532	101	39	received	receive	VERB
fsr-3532	101	40	this	this	DET
fsr-3532	101	41	education	education	NOUN
fsr-3532	101	42	.	.	PUNCT
fsr-3532	102	1	these	these	PRON
fsr-3532	102	2	are	be	AUX
fsr-3532	102	3	the	the	DET
fsr-3532	102	4	two	two	NUM
fsr-3532	102	5	primary	primary	ADJ
fsr-3532	102	6	independent	independent	ADJ
fsr-3532	102	7	variables	variable	NOUN
fsr-3532	102	8	and	and	CCONJ
fsr-3532	102	9	are	be	AUX
fsr-3532	102	10	explicitly	explicitly	ADV
fsr-3532	102	11	recorded	record	VERB
fsr-3532	102	12	in	in	ADP
fsr-3532	102	13	the	the	DET
fsr-3532	102	14	data	datum	NOUN
fsr-3532	102	15	.	.	PUNCT
fsr-3532	103	1	there	there	PRON
fsr-3532	103	2	are	be	VERB
fsr-3532	103	3	also	also	ADV
fsr-3532	103	4	a	a	DET
fsr-3532	103	5	number	number	NOUN
fsr-3532	103	6	of	of	ADP
fsr-3532	103	7	questions	question	NOUN
fsr-3532	103	8	that	that	PRON
fsr-3532	103	9	capture	capture	VERB
fsr-3532	103	10	the	the	DET
fsr-3532	103	11	various	various	ADJ
fsr-3532	103	12	independent	independent	ADJ
fsr-3532	103	13	variables	variable	NOUN
fsr-3532	103	14	of	of	ADP
fsr-3532	103	15	interest	interest	NOUN
fsr-3532	103	16	,	,	PUNCT
fsr-3532	103	17	such	such	ADJ
fsr-3532	103	18	as	as	ADP
fsr-3532	103	19	the	the	DET
fsr-3532	103	20	income	income	NOUN
fsr-3532	103	21	level	level	NOUN
fsr-3532	103	22	,	,	PUNCT
fsr-3532	103	23	employment	employment	NOUN
fsr-3532	103	24	status	status	NOUN
fsr-3532	103	25	,	,	PUNCT
fsr-3532	103	26	and	and	CCONJ
fsr-3532	103	27	risk	risk	NOUN
fsr-3532	103	28	tolerance	tolerance	NOUN
fsr-3532	103	29	levels	level	NOUN
fsr-3532	103	30	of	of	ADP
fsr-3532	103	31	respondents	respondent	NOUN
fsr-3532	103	32	.	.	PUNCT
fsr-3532	104	1	we	we	PRON
fsr-3532	104	2	arrive	arrive	VERB
fsr-3532	104	3	at	at	ADP
fsr-3532	104	4	the	the	DET
fsr-3532	104	5	final	final	ADJ
fsr-3532	104	6	sample	sample	NOUN
fsr-3532	104	7	of	of	ADP
fsr-3532	104	8	3,794	3,794	NUM
fsr-3532	104	9	observations	observation	NOUN
fsr-3532	104	10	after	after	ADP
fsr-3532	104	11	censoring	censor	VERB
fsr-3532	104	12	the	the	DET
fsr-3532	104	13	data	datum	NOUN
fsr-3532	104	14	by	by	ADP
fsr-3532	104	15	removing	remove	VERB
fsr-3532	104	16	any	any	DET
fsr-3532	104	17	nonresponses	nonresponse	NOUN
fsr-3532	104	18	to	to	ADP
fsr-3532	104	19	the	the	DET
fsr-3532	104	20	variables	variable	NOUN
fsr-3532	104	21	of	of	ADP
fsr-3532	104	22	interest	interest	NOUN
fsr-3532	104	23	.	.	PUNCT
fsr-3532	105	1	the	the	DET
fsr-3532	105	2	censoring	censor	VERB
fsr-3532	105	3	process	process	NOUN
fsr-3532	105	4	is	be	AUX
fsr-3532	105	5	described	describe	VERB
fsr-3532	105	6	in	in	ADP
fsr-3532	105	7	more	more	ADJ
fsr-3532	105	8	detail	detail	NOUN
fsr-3532	105	9	under	under	ADP
fsr-3532	105	10	the	the	DET
fsr-3532	105	11	independent	independent	ADJ
fsr-3532	105	12	variables	variable	NOUN
fsr-3532	105	13	section	section	NOUN
fsr-3532	105	14	below	below	ADV
fsr-3532	105	15	.	.	PUNCT
fsr-3532	106	1	3.2	3.2	NUM
fsr-3532	106	2	.	.	PUNCT
fsr-3532	107	1	dependent	dependent	ADJ
fsr-3532	107	2	variable	variable	ADJ
fsr-3532	107	3	financial	financial	ADJ
fsr-3532	107	4	behavior	behavior	NOUN
fsr-3532	107	5	is	be	AUX
fsr-3532	107	6	based	base	VERB
fsr-3532	107	7	on	on	ADP
fsr-3532	107	8	questions	question	NOUN
fsr-3532	107	9	that	that	PRON
fsr-3532	107	10	ask	ask	VERB
fsr-3532	107	11	about	about	ADP
fsr-3532	107	12	specific	specific	ADJ
fsr-3532	107	13	behaviors	behavior	NOUN
fsr-3532	107	14	,	,	PUNCT
fsr-3532	107	15	namely	namely	ADV
fsr-3532	107	16	:	:	PUNCT
fsr-3532	107	17	owning	own	VERB
fsr-3532	107	18	an	an	DET
fsr-3532	107	19	ira	ira	PROPN
fsr-3532	107	20	,	,	PUNCT
fsr-3532	107	21	calculating	calculate	VERB
fsr-3532	107	22	retirement	retirement	NOUN
fsr-3532	107	23	needs	need	NOUN
fsr-3532	107	24	,	,	PUNCT
fsr-3532	107	25	and	and	CCONJ
fsr-3532	107	26	regular	regular	ADJ
fsr-3532	107	27	contributions	contribution	NOUN
fsr-3532	107	28	to	to	ADP
fsr-3532	107	29	retirement	retirement	NOUN
fsr-3532	107	30	.	.	PUNCT
fsr-3532	108	1	we	we	PRON
fsr-3532	108	2	chose	choose	VERB
fsr-3532	108	3	these	these	DET
fsr-3532	108	4	variables	variable	NOUN
fsr-3532	108	5	as	as	SCONJ
fsr-3532	108	6	they	they	PRON
fsr-3532	108	7	represent	represent	VERB
fsr-3532	108	8	positive	positive	ADJ
fsr-3532	108	9	financial	financial	ADJ
fsr-3532	108	10	behaviors	behavior	NOUN
fsr-3532	108	11	.	.	PUNCT
fsr-3532	109	1	we	we	PRON
fsr-3532	109	2	code	code	VERB
fsr-3532	109	3	these	these	DET
fsr-3532	109	4	three	three	NUM
fsr-3532	109	5	behaviors	behavior	NOUN
fsr-3532	109	6	as	as	ADP
fsr-3532	109	7	dummy	dummy	ADJ
fsr-3532	109	8	variables	variable	NOUN
fsr-3532	109	9	with	with	ADP
fsr-3532	109	10	1	1	NUM
fsr-3532	109	11	representing	represent	VERB
fsr-3532	109	12	a	a	DET
fsr-3532	109	13	true	true	ADJ
fsr-3532	109	14	value	value	NOUN
fsr-3532	109	15	of	of	ADP
fsr-3532	109	16	owning	own	VERB
fsr-3532	109	17	an	an	DET
fsr-3532	109	18	ira	ira	PROPN
fsr-3532	109	19	,	,	PUNCT
fsr-3532	109	20	calculating	calculate	VERB
fsr-3532	109	21	retirement	retirement	NOUN
fsr-3532	109	22	needs	need	NOUN
fsr-3532	109	23	,	,	PUNCT
fsr-3532	109	24	and	and	CCONJ
fsr-3532	109	25	regular	regular	ADJ
fsr-3532	109	26	contributions	contribution	NOUN
fsr-3532	109	27	to	to	ADP
fsr-3532	109	28	retirement	retirement	NOUN
fsr-3532	109	29	,	,	PUNCT
fsr-3532	109	30	and	and	CCONJ
fsr-3532	109	31	0	0	NUM
fsr-3532	109	32	otherwise	otherwise	ADV
fsr-3532	109	33	.	.	PUNCT
fsr-3532	110	1	each	each	PRON
fsr-3532	110	2	of	of	ADP
fsr-3532	110	3	these	these	DET
fsr-3532	110	4	three	three	NUM
fsr-3532	110	5	variables	variable	NOUN
fsr-3532	110	6	are	be	AUX
fsr-3532	110	7	run	run	VERB
fsr-3532	110	8	as	as	ADP
fsr-3532	110	9	a	a	DET
fsr-3532	110	10	separate	separate	ADJ
fsr-3532	110	11	regression	regression	NOUN
fsr-3532	110	12	.	.	PUNCT
fsr-3532	111	1	3.3	3.3	NUM
fsr-3532	111	2	.	.	PUNCT
fsr-3532	112	1	independent	independent	ADJ
fsr-3532	112	2	variables	variable	NOUN
fsr-3532	112	3	we	we	PRON
fsr-3532	112	4	initialize	initialize	VERB
fsr-3532	112	5	the	the	DET
fsr-3532	112	6	sample	sample	NOUN
fsr-3532	112	7	by	by	ADP
fsr-3532	112	8	removing	remove	VERB
fsr-3532	112	9	any	any	DET
fsr-3532	112	10	nonresponses	nonresponse	NOUN
fsr-3532	112	11	to	to	ADP
fsr-3532	112	12	the	the	DET
fsr-3532	112	13	main	main	ADJ
fsr-3532	112	14	independent	independent	ADJ
fsr-3532	112	15	variables	variable	NOUN
fsr-3532	112	16	.	.	PUNCT
fsr-3532	113	1	the	the	DET
fsr-3532	113	2	main	main	ADJ
fsr-3532	113	3	independent	independent	ADJ
fsr-3532	113	4	variables	variable	NOUN
fsr-3532	113	5	consist	consist	VERB
fsr-3532	113	6	of	of	ADP
fsr-3532	113	7	the	the	DET
fsr-3532	113	8	following	follow	VERB
fsr-3532	113	9	two	two	NUM
fsr-3532	113	10	questions	question	NOUN
fsr-3532	113	11	:	:	PUNCT
fsr-3532	113	12	“	"	PUNCT
fsr-3532	113	13	was	be	AUX
fsr-3532	113	14	financial	financial	ADJ
fsr-3532	113	15	education	education	NOUN
fsr-3532	113	16	offered	offer	VERB
fsr-3532	113	17	by	by	ADP
fsr-3532	113	18	a	a	DET
fsr-3532	113	19	school	school	NOUN
fsr-3532	113	20	or	or	CCONJ
fsr-3532	113	21	college	college	NOUN
fsr-3532	113	22	you	you	PRON
fsr-3532	113	23	attended	attend	VERB
fsr-3532	113	24	,	,	PUNCT
fsr-3532	113	25	or	or	CCONJ
fsr-3532	113	26	a	a	DET
fsr-3532	113	27	workplace	workplace	NOUN
fsr-3532	113	28	where	where	SCONJ
fsr-3532	113	29	you	you	PRON
fsr-3532	113	30	were	be	AUX
fsr-3532	113	31	employed	employ	VERB
fsr-3532	113	32	?	?	PUNCT
fsr-3532	113	33	”	"	PUNCT
fsr-3532	114	1	•	•	NUM
fsr-3532	114	2	yes	yes	INTJ
fsr-3532	114	3	,	,	PUNCT
fsr-3532	114	4	but	but	CCONJ
fsr-3532	114	5	i	i	PRON
fsr-3532	114	6	did	do	AUX
fsr-3532	114	7	not	not	PART
fsr-3532	114	8	participate	participate	VERB
fsr-3532	114	9	in	in	ADP
fsr-3532	114	10	the	the	DET
fsr-3532	114	11	financial	financial	ADJ
fsr-3532	114	12	education	education	NOUN
fsr-3532	114	13	offered	offer	VERB
fsr-3532	114	14	•	•	NOUN
fsr-3532	114	15	yes	yes	INTJ
fsr-3532	114	16	,	,	PUNCT
fsr-3532	114	17	and	and	CCONJ
fsr-3532	114	18	i	i	PRON
fsr-3532	114	19	did	do	AUX
fsr-3532	114	20	participate	participate	VERB
fsr-3532	114	21	in	in	ADP
fsr-3532	114	22	the	the	DET
fsr-3532	114	23	financial	financial	ADJ
fsr-3532	114	24	education	education	NOUN
fsr-3532	114	25	•	•	NOUN
fsr-3532	114	26	no	no	DET
fsr-3532	114	27	•	•	NOUN
fsr-3532	114	28	do	do	AUX
fsr-3532	114	29	n’t	not	PART
fsr-3532	114	30	know	know	VERB
fsr-3532	114	31	•	•	NUM
fsr-3532	114	32	prefer	prefer	VERB
fsr-3532	114	33	not	not	PART
fsr-3532	114	34	to	to	PART
fsr-3532	114	35	say	say	VERB
fsr-3532	114	36	we	we	PRON
fsr-3532	114	37	use	use	VERB
fsr-3532	114	38	only	only	ADV
fsr-3532	114	39	those	those	DET
fsr-3532	114	40	respondents	respondent	NOUN
fsr-3532	114	41	who	who	PRON
fsr-3532	114	42	chose	choose	VERB
fsr-3532	114	43	“	"	PUNCT
fsr-3532	114	44	yes	yes	INTJ
fsr-3532	114	45	and	and	CCONJ
fsr-3532	114	46	participated	participate	VERB
fsr-3532	114	47	in	in	ADP
fsr-3532	114	48	the	the	DET
fsr-3532	114	49	financial	financial	ADJ
fsr-3532	114	50	education	education	NOUN
fsr-3532	114	51	offered	offer	VERB
fsr-3532	114	52	.	.	PUNCT
fsr-3532	114	53	”	"	PUNCT
fsr-3532	115	1	the	the	DET
fsr-3532	115	2	follow	follow	VERB
fsr-3532	115	3	-	-	PUNCT
fsr-3532	115	4	up	up	ADP
fsr-3532	115	5	question	question	NOUN
fsr-3532	115	6	was	be	AUX
fsr-3532	115	7	:	:	PUNCT
fsr-3532	115	8	“	"	PUNCT
fsr-3532	115	9	when	when	SCONJ
fsr-3532	115	10	did	do	AUX
fsr-3532	115	11	you	you	PRON
fsr-3532	115	12	receive	receive	VERB
fsr-3532	115	13	that	that	DET
fsr-3532	115	14	financial	financial	ADJ
fsr-3532	115	15	education	education	NOUN
fsr-3532	115	16	?	?	PUNCT
fsr-3532	115	17	”	"	PUNCT
fsr-3532	116	1	•	•	NOUN
fsr-3532	116	2	in	in	ADP
fsr-3532	116	3	high	high	ADJ
fsr-3532	116	4	school	school	NOUN
fsr-3532	116	5	•	•	NOUN
fsr-3532	116	6	college	college	NOUN
fsr-3532	116	7	•	•	NOUN
fsr-3532	116	8	at	at	ADP
fsr-3532	116	9	work	work	NOUN
fsr-3532	116	10	•	•	ADP
fsr-3532	116	11	military	military	ADJ
fsr-3532	116	12	respondents	respondent	NOUN
fsr-3532	116	13	could	could	AUX
fsr-3532	116	14	answer	answer	VERB
fsr-3532	116	15	“	"	PUNCT
fsr-3532	116	16	yes	yes	INTJ
fsr-3532	116	17	/	/	SYM
fsr-3532	116	18	no	no	NOUN
fsr-3532	116	19	/	/	SYM
fsr-3532	116	20	don’t	don’t	VERB
fsr-3532	116	21	know	know	VERB
fsr-3532	116	22	/	/	SYM
fsr-3532	116	23	refuse	refuse	VERB
fsr-3532	116	24	to	to	PART
fsr-3532	116	25	say	say	VERB
fsr-3532	116	26	”	"	PUNCT
fsr-3532	116	27	to	to	ADP
fsr-3532	116	28	each	each	PRON
fsr-3532	116	29	of	of	ADP
fsr-3532	116	30	the	the	DET
fsr-3532	116	31	four	four	NUM
fsr-3532	116	32	choices	choice	NOUN
fsr-3532	116	33	above	above	ADV
fsr-3532	116	34	.	.	PUNCT
fsr-3532	117	1	we	we	PRON
fsr-3532	117	2	remove	remove	VERB
fsr-3532	117	3	all	all	DET
fsr-3532	117	4	responses	response	NOUN
fsr-3532	117	5	of	of	ADP
fsr-3532	117	6	“	"	PUNCT
fsr-3532	117	7	no	no	DET
fsr-3532	117	8	/	/	SYM
fsr-3532	117	9	don’t	don’t	NOUN
fsr-3532	117	10	know	know	VERB
fsr-3532	117	11	/	/	SYM
fsr-3532	117	12	refuse	refuse	VERB
fsr-3532	117	13	to	to	PART
fsr-3532	117	14	say	say	VERB
fsr-3532	117	15	”	"	PUNCT
fsr-3532	117	16	to	to	PART
fsr-3532	117	17	capture	capture	VERB
fsr-3532	117	18	only	only	ADV
fsr-3532	117	19	those	those	PRON
fsr-3532	117	20	who	who	PRON
fsr-3532	117	21	received	receive	VERB
fsr-3532	117	22	the	the	DET
fsr-3532	117	23	financial	financial	ADJ
fsr-3532	117	24	education	education	NOUN
fsr-3532	117	25	at	at	ADP
fsr-3532	117	26	one	one	NUM
fsr-3532	117	27	of	of	ADP
fsr-3532	117	28	the	the	DET
fsr-3532	117	29	four	four	NUM
fsr-3532	117	30	periods	period	NOUN
fsr-3532	117	31	of	of	ADP
fsr-3532	117	32	time	time	NOUN
fsr-3532	117	33	.	.	PUNCT
fsr-3532	118	1	we	we	PRON
fsr-3532	118	2	create	create	VERB
fsr-3532	118	3	dummy	dummy	ADJ
fsr-3532	118	4	variables	variable	NOUN
fsr-3532	118	5	for	for	ADP
fsr-3532	118	6	each	each	DET
fsr-3532	118	7	response	response	NOUN
fsr-3532	118	8	to	to	PART
fsr-3532	118	9	create	create	VERB
fsr-3532	118	10	the	the	DET
fsr-3532	118	11	“	"	PUNCT
fsr-3532	118	12	timing	timing	NOUN
fsr-3532	118	13	”	"	PUNCT
fsr-3532	118	14	independent	independent	ADJ
fsr-3532	118	15	variable	variable	NOUN
fsr-3532	118	16	.	.	PUNCT
fsr-3532	119	1	we	we	PRON
fsr-3532	119	2	then	then	ADV
fsr-3532	119	3	combine	combine	VERB
fsr-3532	119	4	the	the	DET
fsr-3532	119	5	four	four	NUM
fsr-3532	119	6	responses	response	NOUN
fsr-3532	119	7	to	to	PART
fsr-3532	119	8	create	create	VERB
fsr-3532	119	9	values	value	NOUN
fsr-3532	119	10	from	from	ADP
fsr-3532	119	11	1	1	NUM
fsr-3532	119	12	to	to	ADP
fsr-3532	119	13	4	4	NUM
fsr-3532	119	14	,	,	PUNCT
fsr-3532	119	15	to	to	PART
fsr-3532	119	16	create	create	VERB
fsr-3532	119	17	the	the	DET
fsr-3532	119	18	“	"	PUNCT
fsr-3532	119	19	frequency	frequency	NOUN
fsr-3532	119	20	”	"	PUNCT
fsr-3532	119	21	l.	l.	PROPN
fsr-3532	119	22	a.	a.	PROPN
fsr-3532	119	23	v.	v.	PROPN
fsr-3532	119	24	augustin	augustin	PROPN
fsr-3532	119	25	and	and	CCONJ
fsr-3532	119	26	t.	t.	PROPN
fsr-3532	119	27	k.	k.	PROPN
fsr-3532	119	28	martin	martin	PROPN
fsr-3532	119	29	/	/	SYM
fsr-3532	119	30	financial	financial	ADJ
fsr-3532	119	31	services	service	NOUN
fsr-3532	119	32	review	review	VERB
fsr-3532	119	33	31	31	NUM
fsr-3532	119	34	(	(	PUNCT
fsr-3532	119	35	2023	2023	NUM
fsr-3532	119	36	)	)	PUNCT
fsr-3532	119	37	151–167	151–167	NUM
fsr-3532	119	38	155	155	NUM
fsr-3532	119	39	independent	independent	ADJ
fsr-3532	119	40	variable	variable	NOUN
fsr-3532	119	41	.	.	PUNCT
fsr-3532	120	1	a	a	DET
fsr-3532	120	2	respondent	respondent	NOUN
fsr-3532	120	3	who	who	PRON
fsr-3532	120	4	scored	score	VERB
fsr-3532	120	5	one	one	NUM
fsr-3532	120	6	under	under	ADP
fsr-3532	120	7	frequency	frequency	NOUN
fsr-3532	120	8	only	only	ADV
fsr-3532	120	9	received	receive	VERB
fsr-3532	120	10	financial	financial	ADJ
fsr-3532	120	11	education	education	NOUN
fsr-3532	120	12	at	at	ADP
fsr-3532	120	13	one	one	NUM
fsr-3532	120	14	point	point	NOUN
fsr-3532	120	15	in	in	ADP
fsr-3532	120	16	time	time	NOUN
fsr-3532	120	17	.	.	PUNCT
fsr-3532	121	1	a	a	DET
fsr-3532	121	2	respondent	respondent	NOUN
fsr-3532	121	3	who	who	PRON
fsr-3532	121	4	scored	score	VERB
fsr-3532	121	5	two	two	NUM
fsr-3532	121	6	would	would	AUX
fsr-3532	121	7	have	have	AUX
fsr-3532	121	8	received	receive	VERB
fsr-3532	121	9	financial	financial	ADJ
fsr-3532	121	10	education	education	NOUN
fsr-3532	121	11	at	at	ADP
fsr-3532	121	12	two	two	NUM
fsr-3532	121	13	points	point	NOUN
fsr-3532	121	14	in	in	ADP
fsr-3532	121	15	time	time	NOUN
fsr-3532	121	16	,	,	PUNCT
fsr-3532	121	17	and	and	CCONJ
fsr-3532	121	18	so	so	ADV
fsr-3532	121	19	on	on	ADV
fsr-3532	121	20	.	.	PUNCT
fsr-3532	122	1	we	we	PRON
fsr-3532	122	2	also	also	ADV
fsr-3532	122	3	removed	remove	VERB
fsr-3532	122	4	any	any	DET
fsr-3532	122	5	respondents	respondent	NOUN
fsr-3532	122	6	who	who	PRON
fsr-3532	122	7	indicated	indicate	VERB
fsr-3532	122	8	that	that	SCONJ
fsr-3532	122	9	they	they	PRON
fsr-3532	122	10	had	have	AUX
fsr-3532	122	11	received	receive	VERB
fsr-3532	122	12	some	some	DET
fsr-3532	122	13	financial	financial	ADJ
fsr-3532	122	14	education	education	NOUN
fsr-3532	122	15	but	but	CCONJ
fsr-3532	122	16	then	then	ADV
fsr-3532	122	17	answered	answer	VERB
fsr-3532	122	18	“	"	PUNCT
fsr-3532	122	19	no	no	INTJ
fsr-3532	122	20	”	"	PUNCT
fsr-3532	122	21	to	to	ADP
fsr-3532	122	22	all	all	DET
fsr-3532	122	23	four	four	NUM
fsr-3532	122	24	options	option	NOUN
fsr-3532	122	25	of	of	ADP
fsr-3532	122	26	when	when	SCONJ
fsr-3532	122	27	they	they	PRON
fsr-3532	122	28	received	receive	VERB
fsr-3532	122	29	the	the	DET
fsr-3532	122	30	financial	financial	ADJ
fsr-3532	122	31	education	education	NOUN
fsr-3532	122	32	.	.	PUNCT
fsr-3532	123	1	other	other	ADJ
fsr-3532	123	2	demographics	demographic	NOUN
fsr-3532	123	3	include	include	VERB
fsr-3532	123	4	gender	gender	NOUN
fsr-3532	123	5	,	,	PUNCT
fsr-3532	123	6	age	age	NOUN
fsr-3532	123	7	,	,	PUNCT
fsr-3532	123	8	race	race	NOUN
fsr-3532	123	9	,	,	PUNCT
fsr-3532	123	10	income	income	NOUN
fsr-3532	123	11	,	,	PUNCT
fsr-3532	123	12	education	education	NOUN
fsr-3532	123	13	,	,	PUNCT
fsr-3532	123	14	marital	marital	ADJ
fsr-3532	123	15	status	status	NOUN
fsr-3532	123	16	,	,	PUNCT
fsr-3532	123	17	employment	employment	NOUN
fsr-3532	123	18	status	status	NOUN
fsr-3532	123	19	,	,	PUNCT
fsr-3532	123	20	number	number	NOUN
fsr-3532	123	21	of	of	ADP
fsr-3532	123	22	children	child	NOUN
fsr-3532	123	23	,	,	PUNCT
fsr-3532	123	24	and	and	CCONJ
fsr-3532	123	25	risk	risk	NOUN
fsr-3532	123	26	tolerance	tolerance	NOUN
fsr-3532	123	27	level	level	NOUN
fsr-3532	123	28	.	.	PUNCT
fsr-3532	124	1	we	we	PRON
fsr-3532	124	2	code	code	VERB
fsr-3532	124	3	gender	gender	NOUN
fsr-3532	124	4	as	as	ADP
fsr-3532	124	5	binary	binary	NOUN
fsr-3532	124	6	with	with	ADP
fsr-3532	124	7	1	1	NUM
fsr-3532	124	8	being	be	AUX
fsr-3532	124	9	male	male	ADJ
fsr-3532	124	10	.	.	PUNCT
fsr-3532	125	1	we	we	PRON
fsr-3532	125	2	code	code	VERB
fsr-3532	125	3	age	age	NOUN
fsr-3532	125	4	into	into	ADP
fsr-3532	125	5	three	three	NUM
fsr-3532	125	6	ranges	range	NOUN
fsr-3532	125	7	,	,	PUNCT
fsr-3532	125	8	based	base	VERB
fsr-3532	125	9	on	on	ADP
fsr-3532	125	10	the	the	DET
fsr-3532	125	11	stage	stage	NOUN
fsr-3532	125	12	of	of	ADP
fsr-3532	125	13	life	life	NOUN
fsr-3532	125	14	the	the	DET
fsr-3532	125	15	respondent	respondent	NOUN
fsr-3532	125	16	is	be	AUX
fsr-3532	125	17	in	in	ADP
fsr-3532	125	18	.	.	PUNCT
fsr-3532	126	1	acquisition	acquisition	NOUN
fsr-3532	126	2	encompasses	encompass	VERB
fsr-3532	126	3	ages	age	NOUN
fsr-3532	126	4	18–44	18–44	NUM
fsr-3532	126	5	,	,	PUNCT
fsr-3532	126	6	accumulation	accumulation	NOUN
fsr-3532	126	7	encompasses	encompass	VERB
fsr-3532	126	8	ages	age	NOUN
fsr-3532	126	9	45	45	NUM
fsr-3532	126	10	-	-	SYM
fsr-3532	126	11	64	64	NUM
fsr-3532	126	12	,	,	PUNCT
fsr-3532	126	13	and	and	CCONJ
fsr-3532	126	14	distribution	distribution	NOUN
fsr-3532	126	15	encompasses	encompass	VERB
fsr-3532	126	16	ages	age	NOUN
fsr-3532	126	17	65	65	NUM
fsr-3532	126	18	and	and	CCONJ
fsr-3532	126	19	above	above	ADV
fsr-3532	126	20	.	.	PUNCT
fsr-3532	127	1	we	we	PRON
fsr-3532	127	2	code	code	VERB
fsr-3532	127	3	race	race	NOUN
fsr-3532	127	4	as	as	ADP
fsr-3532	127	5	binary	binary	NOUN
fsr-3532	127	6	with	with	ADP
fsr-3532	127	7	1	1	NUM
fsr-3532	127	8	representing	represent	VERB
fsr-3532	127	9	white	white	ADJ
fsr-3532	127	10	and	and	CCONJ
fsr-3532	127	11	0	0	NUM
fsr-3532	127	12	all	all	DET
fsr-3532	127	13	other	other	ADJ
fsr-3532	127	14	.	.	PUNCT
fsr-3532	128	1	we	we	PRON
fsr-3532	128	2	code	code	VERB
fsr-3532	128	3	income	income	NOUN
fsr-3532	128	4	as	as	ADP
fsr-3532	128	5	high	high	ADJ
fsr-3532	128	6	,	,	PUNCT
fsr-3532	128	7	moderate	moderate	ADJ
fsr-3532	128	8	,	,	PUNCT
fsr-3532	128	9	and	and	CCONJ
fsr-3532	128	10	low	low	ADJ
fsr-3532	128	11	,	,	PUNCT
fsr-3532	128	12	based	base	VERB
fsr-3532	128	13	on	on	ADP
fsr-3532	128	14	the	the	DET
fsr-3532	128	15	distribution	distribution	NOUN
fsr-3532	128	16	of	of	ADP
fsr-3532	128	17	the	the	DET
fsr-3532	128	18	data	datum	NOUN
fsr-3532	128	19	.	.	PUNCT
fsr-3532	129	1	we	we	PRON
fsr-3532	129	2	code	code	VERB
fsr-3532	129	3	education	education	NOUN
fsr-3532	129	4	as	as	ADP
fsr-3532	129	5	binary	binary	NOUN
fsr-3532	129	6	with	with	ADP
fsr-3532	129	7	1	1	NUM
fsr-3532	129	8	representing	represent	VERB
fsr-3532	129	9	a	a	DET
fsr-3532	129	10	college	college	NOUN
fsr-3532	129	11	degree	degree	NOUN
fsr-3532	129	12	and	and	CCONJ
fsr-3532	129	13	above	above	ADV
fsr-3532	129	14	,	,	PUNCT
fsr-3532	129	15	and	and	CCONJ
fsr-3532	129	16	0	0	NUM
fsr-3532	129	17	representing	represent	VERB
fsr-3532	129	18	less	less	ADJ
fsr-3532	129	19	than	than	ADP
fsr-3532	129	20	a	a	DET
fsr-3532	129	21	college	college	NOUN
fsr-3532	129	22	degree	degree	NOUN
fsr-3532	129	23	.	.	PUNCT
fsr-3532	130	1	we	we	PRON
fsr-3532	130	2	code	code	VERB
fsr-3532	130	3	marital	marital	ADJ
fsr-3532	130	4	status	status	NOUN
fsr-3532	130	5	as	as	ADP
fsr-3532	130	6	binary	binary	NOUN
fsr-3532	130	7	with	with	ADP
fsr-3532	130	8	1	1	NUM
fsr-3532	130	9	representing	represent	VERB
fsr-3532	130	10	married	married	ADJ
fsr-3532	130	11	and	and	CCONJ
fsr-3532	130	12	0	0	NUM
fsr-3532	130	13	representing	represent	VERB
fsr-3532	130	14	all	all	PRON
fsr-3532	130	15	else	else	ADV
fsr-3532	130	16	.	.	PUNCT
fsr-3532	131	1	we	we	PRON
fsr-3532	131	2	code	code	VERB
fsr-3532	131	3	employment	employment	NOUN
fsr-3532	131	4	as	as	SCONJ
fsr-3532	131	5	employed	employ	VERB
fsr-3532	131	6	,	,	PUNCT
fsr-3532	131	7	not	not	PART
fsr-3532	131	8	employed	employ	VERB
fsr-3532	131	9	,	,	PUNCT
fsr-3532	131	10	and	and	CCONJ
fsr-3532	131	11	retired	retire	VERB
fsr-3532	131	12	.	.	PUNCT
fsr-3532	132	1	we	we	PRON
fsr-3532	132	2	code	code	VERB
fsr-3532	132	3	number	number	NOUN
fsr-3532	132	4	of	of	ADP
fsr-3532	132	5	children	child	NOUN
fsr-3532	132	6	as	as	ADP
fsr-3532	132	7	1	1	NUM
fsr-3532	132	8	representing	represent	VERB
fsr-3532	132	9	the	the	DET
fsr-3532	132	10	presence	presence	NOUN
fsr-3532	132	11	of	of	ADP
fsr-3532	132	12	children	child	NOUN
fsr-3532	132	13	and	and	CCONJ
fsr-3532	132	14	0	0	NUM
fsr-3532	132	15	representing	represent	VERB
fsr-3532	132	16	no	no	DET
fsr-3532	132	17	children	child	NOUN
fsr-3532	132	18	.	.	PUNCT
fsr-3532	133	1	we	we	PRON
fsr-3532	133	2	code	code	VERB
fsr-3532	133	3	risk	risk	NOUN
fsr-3532	133	4	tolerance	tolerance	NOUN
fsr-3532	133	5	as	as	ADP
fsr-3532	133	6	ranging	range	VERB
fsr-3532	133	7	from	from	ADP
fsr-3532	133	8	low	low	ADJ
fsr-3532	133	9	to	to	ADP
fsr-3532	133	10	medium	medium	NOUN
fsr-3532	133	11	and	and	CCONJ
fsr-3532	133	12	ending	end	VERB
fsr-3532	133	13	with	with	ADP
fsr-3532	133	14	high	high	ADJ
fsr-3532	133	15	-	-	PUNCT
fsr-3532	133	16	risk	risk	NOUN
fsr-3532	133	17	tolerance	tolerance	NOUN
fsr-3532	133	18	based	base	VERB
fsr-3532	133	19	on	on	ADP
fsr-3532	133	20	the	the	DET
fsr-3532	133	21	distribution	distribution	NOUN
fsr-3532	133	22	of	of	ADP
fsr-3532	133	23	the	the	DET
fsr-3532	133	24	sample	sample	NOUN
fsr-3532	133	25	.	.	PUNCT
fsr-3532	134	1	respondents	respondent	NOUN
fsr-3532	134	2	in	in	ADP
fsr-3532	134	3	the	the	DET
fsr-3532	134	4	low	low	ADJ
fsr-3532	134	5	-	-	PUNCT
fsr-3532	134	6	risk	risk	NOUN
fsr-3532	134	7	tolerance	tolerance	NOUN
fsr-3532	134	8	group	group	NOUN
fsr-3532	134	9	are	be	AUX
fsr-3532	134	10	not	not	PART
fsr-3532	134	11	willing	willing	ADJ
fsr-3532	134	12	to	to	PART
fsr-3532	134	13	take	take	VERB
fsr-3532	134	14	financial	financial	ADJ
fsr-3532	134	15	risks	risk	NOUN
fsr-3532	134	16	.	.	PUNCT
fsr-3532	135	1	we	we	PRON
fsr-3532	135	2	create	create	VERB
fsr-3532	135	3	the	the	DET
fsr-3532	135	4	financial	financial	ADJ
fsr-3532	135	5	literacy	literacy	NOUN
fsr-3532	135	6	variable	variable	NOUN
fsr-3532	135	7	by	by	ADP
fsr-3532	135	8	using	use	VERB
fsr-3532	135	9	three	three	NUM
fsr-3532	135	10	commonly	commonly	ADV
fsr-3532	135	11	used	use	VERB
fsr-3532	135	12	financial	financial	ADJ
fsr-3532	135	13	literacy	literacy	NOUN
fsr-3532	135	14	questions	question	NOUN
fsr-3532	135	15	.	.	PUNCT
fsr-3532	136	1	the	the	DET
fsr-3532	136	2	scores	score	NOUN
fsr-3532	136	3	are	be	AUX
fsr-3532	136	4	combined	combine	VERB
fsr-3532	136	5	to	to	PART
fsr-3532	136	6	give	give	VERB
fsr-3532	136	7	a	a	DET
fsr-3532	136	8	rank	rank	NOUN
fsr-3532	136	9	ranging	range	VERB
fsr-3532	136	10	from	from	ADP
fsr-3532	136	11	0	0	NUM
fsr-3532	136	12	correct	correct	ADJ
fsr-3532	136	13	to	to	ADP
fsr-3532	136	14	3	3	NUM
fsr-3532	136	15	correct	correct	ADJ
fsr-3532	136	16	.	.	PUNCT
fsr-3532	137	1	we	we	PRON
fsr-3532	137	2	code	code	VERB
fsr-3532	137	3	respondents	respondent	NOUN
fsr-3532	137	4	who	who	PRON
fsr-3532	137	5	got	get	VERB
fsr-3532	137	6	all	all	DET
fsr-3532	137	7	three	three	NUM
fsr-3532	137	8	questions	question	NOUN
fsr-3532	137	9	correct	correct	ADJ
fsr-3532	137	10	as	as	ADP
fsr-3532	137	11	having	have	VERB
fsr-3532	137	12	high	high	ADJ
fsr-3532	137	13	literacy	literacy	NOUN
fsr-3532	137	14	and	and	CCONJ
fsr-3532	137	15	everyone	everyone	PRON
fsr-3532	137	16	else	else	ADV
fsr-3532	137	17	as	as	ADP
fsr-3532	137	18	not	not	PART
fsr-3532	137	19	,	,	PUNCT
fsr-3532	137	20	using	use	VERB
fsr-3532	137	21	dummy	dummy	ADJ
fsr-3532	137	22	variables	variable	NOUN
fsr-3532	137	23	.	.	PUNCT
fsr-3532	138	1	we	we	PRON
fsr-3532	138	2	remove	remove	VERB
fsr-3532	138	3	any	any	DET
fsr-3532	138	4	nonresponses	nonresponse	NOUN
fsr-3532	138	5	to	to	ADP
fsr-3532	138	6	the	the	DET
fsr-3532	138	7	demographic	demographic	ADJ
fsr-3532	138	8	variables	variable	NOUN
fsr-3532	138	9	and	and	CCONJ
fsr-3532	138	10	had	have	VERB
fsr-3532	138	11	a	a	DET
fsr-3532	138	12	final	final	ADJ
fsr-3532	138	13	sample	sample	NOUN
fsr-3532	138	14	of	of	ADP
fsr-3532	138	15	3,794	3,794	NUM
fsr-3532	138	16	respondents	respondent	NOUN
fsr-3532	138	17	.	.	PUNCT
fsr-3532	139	1	3.4	3.4	NUM
fsr-3532	139	2	.	.	PUNCT
fsr-3532	139	3	model	model	NOUN
fsr-3532	139	4	we	we	PRON
fsr-3532	139	5	estimate	estimate	VERB
fsr-3532	139	6	the	the	DET
fsr-3532	139	7	model	model	NOUN
fsr-3532	139	8	to	to	PART
fsr-3532	139	9	be	be	AUX
fsr-3532	139	10	:	:	PUNCT
fsr-3532	139	11	financial	financial	ADJ
fsr-3532	139	12	behavior	behavior	NOUN
fsr-3532	140	1	=	=	SYM
fsr-3532	140	2	f	f	PROPN
fsr-3532	140	3	financial	financial	ADJ
fsr-3532	140	4	-	-	PUNCT
fsr-3532	140	5	education	education	NOUN
fsr-3532	140	6	-	-	PUNCT
fsr-3532	140	7	timing	timing	NOUN
fsr-3532	140	8	,	,	PUNCT
fsr-3532	140	9	financial	financial	ADJ
fsr-3532	140	10	-	-	PUNCT
fsr-3532	140	11	education	education	NOUN
fsr-3532	140	12	-	-	PUNCT
fsr-3532	140	13	frequency	frequency	NOUN
fsr-3532	140	14	,	,	PUNCT
fsr-3532	140	15	demographicsð	demographicsð	NOUN
fsr-3532	140	16	þ	þ	NOUN
fsr-3532	140	17	we	we	PRON
fsr-3532	140	18	use	use	VERB
fsr-3532	140	19	the	the	DET
fsr-3532	140	20	binary	binary	PROPN
fsr-3532	140	21	probit	probit	NOUN
fsr-3532	140	22	model	model	NOUN
fsr-3532	140	23	as	as	SCONJ
fsr-3532	140	24	follows	follow	VERB
fsr-3532	140	25	:	:	PUNCT
fsr-3532	140	26	y#i	y#i	PROPN
fsr-3532	140	27	=	=	SYM
fsr-3532	140	28	b	b	NUM
fsr-3532	140	29	1ti	1ti	NOUN
fsr-3532	140	30	þ	þ	PROPN
fsr-3532	140	31	b	b	PROPN
fsr-3532	141	1	2fi	2fi	ADJ
fsr-3532	141	2	þ	þ	PROPN
fsr-3532	141	3	b	b	PROPN
fsr-3532	141	4	3gi	3gi	ADJ
fsr-3532	141	5	þ	þ	PROPN
fsr-3532	141	6	b	b	PROPN
fsr-3532	141	7	4ai	4ai	PROPN
fsr-3532	141	8	þ	þ	PROPN
fsr-3532	141	9	b	b	PROPN
fsr-3532	141	10	5rai	5rai	NUM
fsr-3532	141	11	þ	þ	PROPN
fsr-3532	141	12	b	b	PROPN
fsr-3532	141	13	6ii	6ii	PROPN
fsr-3532	141	14	þ	þ	PROPN
fsr-3532	141	15	b	b	PROPN
fsr-3532	141	16	7edi	7edi	NUM
fsr-3532	141	17	þ	þ	PROPN
fsr-3532	141	18	b	b	PROPN
fsr-3532	141	19	8mi	8mi	PROPN
fsr-3532	141	20	þ	þ	PROPN
fsr-3532	141	21	b	b	X
fsr-3532	141	22	9emið	9emið	NUM
fsr-3532	141	23	þb	þb	VERB
fsr-3532	141	24	10ci	10ci	NUM
fsr-3532	141	25	þ	þ	PROPN
fsr-3532	141	26	b	b	PROPN
fsr-3532	141	27	11rti	11rti	PROPN
fsr-3532	141	28	þ	þ	PROPN
fsr-3532	141	29	b	b	PROPN
fsr-3532	141	30	12fli	12fli	NUM
fsr-3532	141	31	þ	þ	NOUN
fsr-3532	141	32	«	«	PUNCT
fsr-3532	141	33	iþ	iþ	PROPN
fsr-3532	141	34	yi	yi	NOUN
fsr-3532	141	35	=	=	NOUN
fsr-3532	141	36	1	1	NUM
fsr-3532	141	37	if	if	SCONJ
fsr-3532	141	38	y#i	y#i	PROPN
fsr-3532	141	39	>	>	X
fsr-3532	141	40	0	0	NUM
fsr-3532	141	41	0	0	PUNCT
fsr-3532	142	1	if	if	SCONJ
fsr-3532	142	2	y#i	y#i	PROPN
fsr-3532	142	3	≥	≥	NOUN
fsr-3532	142	4	0	0	NUM
fsr-3532	143	1	!	!	PUNCT
fsr-3532	144	1	here	here	ADV
fsr-3532	144	2	y#i	y#i	PROPN
fsr-3532	144	3	represents	represent	VERB
fsr-3532	144	4	the	the	DET
fsr-3532	144	5	probability	probability	NOUN
fsr-3532	144	6	of	of	ADP
fsr-3532	144	7	expressing	express	VERB
fsr-3532	144	8	one	one	NUM
fsr-3532	144	9	of	of	ADP
fsr-3532	144	10	the	the	DET
fsr-3532	144	11	three	three	NUM
fsr-3532	144	12	types	type	NOUN
fsr-3532	144	13	of	of	ADP
fsr-3532	144	14	financial	financial	ADJ
fsr-3532	144	15	behaviors	behavior	NOUN
fsr-3532	144	16	.	.	PUNCT
fsr-3532	145	1	ti	ti	PROPN
fsr-3532	145	2	represents	represent	VERB
fsr-3532	145	3	timing	timing	NOUN
fsr-3532	145	4	of	of	ADP
fsr-3532	145	5	financial	financial	ADJ
fsr-3532	145	6	education	education	NOUN
fsr-3532	145	7	,	,	PUNCT
fsr-3532	145	8	fi	fi	NOUN
fsr-3532	145	9	represents	represent	VERB
fsr-3532	145	10	frequency	frequency	NOUN
fsr-3532	145	11	of	of	ADP
fsr-3532	145	12	financial	financial	ADJ
fsr-3532	145	13	education	education	NOUN
fsr-3532	145	14	,	,	PUNCT
fsr-3532	145	15	gi	gi	PROPN
fsr-3532	145	16	represents	represent	VERB
fsr-3532	145	17	gender	gender	NOUN
fsr-3532	145	18	,	,	PUNCT
fsr-3532	145	19	ai	ai	VERB
fsr-3532	145	20	represents	represent	VERB
fsr-3532	145	21	age	age	NOUN
fsr-3532	145	22	,	,	PUNCT
fsr-3532	145	23	rai	rai	PROPN
fsr-3532	145	24	represents	represent	VERB
fsr-3532	145	25	race	race	NOUN
fsr-3532	145	26	,	,	PUNCT
fsr-3532	145	27	ii	ii	PROPN
fsr-3532	145	28	represents	represent	VERB
fsr-3532	145	29	income	income	NOUN
fsr-3532	145	30	,	,	PUNCT
fsr-3532	145	31	edi	edi	PROPN
fsr-3532	145	32	156	156	NUM
fsr-3532	145	33	l.	l.	PROPN
fsr-3532	145	34	a.	a.	PROPN
fsr-3532	145	35	v.	v.	PROPN
fsr-3532	145	36	augustin	augustin	PROPN
fsr-3532	145	37	and	and	CCONJ
fsr-3532	145	38	t.	t.	PROPN
fsr-3532	145	39	k.	k.	PROPN
fsr-3532	145	40	martin	martin	PROPN
fsr-3532	145	41	/	/	SYM
fsr-3532	145	42	financial	financial	ADJ
fsr-3532	145	43	services	service	NOUN
fsr-3532	145	44	review	review	VERB
fsr-3532	145	45	31	31	NUM
fsr-3532	145	46	(	(	PUNCT
fsr-3532	145	47	2023	2023	NUM
fsr-3532	145	48	)	)	PUNCT
fsr-3532	146	1	151–167	151–167	NUM
fsr-3532	146	2	represents	represent	VERB
fsr-3532	146	3	education	education	NOUN
fsr-3532	146	4	level	level	NOUN
fsr-3532	146	5	,	,	PUNCT
fsr-3532	146	6	mi	mi	PROPN
fsr-3532	146	7	represents	represent	VERB
fsr-3532	146	8	marital	marital	ADJ
fsr-3532	146	9	status	status	NOUN
fsr-3532	146	10	,	,	PUNCT
fsr-3532	146	11	emi	emi	PROPN
fsr-3532	146	12	represents	represent	VERB
fsr-3532	146	13	employment	employment	NOUN
fsr-3532	146	14	,	,	PUNCT
fsr-3532	146	15	ci	ci	PROPN
fsr-3532	146	16	represents	represent	VERB
fsr-3532	146	17	number	number	NOUN
fsr-3532	146	18	of	of	ADP
fsr-3532	146	19	children	child	NOUN
fsr-3532	146	20	,	,	PUNCT
fsr-3532	146	21	rti	rti	PROPN
fsr-3532	146	22	represents	represent	VERB
fsr-3532	146	23	risk	risk	NOUN
fsr-3532	146	24	tolerance	tolerance	NOUN
fsr-3532	146	25	,	,	PUNCT
fsr-3532	146	26	fli	fli	NOUN
fsr-3532	146	27	represents	represent	VERB
fsr-3532	146	28	financial	financial	ADJ
fsr-3532	146	29	literacy	literacy	NOUN
fsr-3532	146	30	,	,	PUNCT
fsr-3532	146	31	and	and	CCONJ
fsr-3532	146	32	«	«	PUNCT
fsr-3532	146	33	i	i	PRON
fsr-3532	146	34	represents	represent	VERB
fsr-3532	146	35	the	the	DET
fsr-3532	146	36	error	error	NOUN
fsr-3532	146	37	term	term	NOUN
fsr-3532	146	38	.	.	PUNCT
fsr-3532	147	1	3.5	3.5	NUM
fsr-3532	147	2	.	.	PUNCT
fsr-3532	147	3	hypotheses	hypothesis	NOUN
fsr-3532	147	4	we	we	PRON
fsr-3532	147	5	hypothesize	hypothesize	VERB
fsr-3532	147	6	that	that	SCONJ
fsr-3532	147	7	the	the	DET
fsr-3532	147	8	timing	timing	NOUN
fsr-3532	147	9	of	of	ADP
fsr-3532	147	10	financial	financial	ADJ
fsr-3532	147	11	education	education	NOUN
fsr-3532	147	12	courses	course	NOUN
fsr-3532	147	13	will	will	AUX
fsr-3532	147	14	have	have	VERB
fsr-3532	147	15	a	a	DET
fsr-3532	147	16	significant	significant	ADJ
fsr-3532	147	17	,	,	PUNCT
fsr-3532	147	18	positive	positive	ADJ
fsr-3532	147	19	association	association	NOUN
fsr-3532	147	20	with	with	ADP
fsr-3532	147	21	the	the	DET
fsr-3532	147	22	decision	decision	NOUN
fsr-3532	147	23	to	to	PART
fsr-3532	147	24	own	own	VERB
fsr-3532	147	25	an	an	DET
fsr-3532	147	26	ira	ira	PROPN
fsr-3532	147	27	,	,	PUNCT
fsr-3532	147	28	calculate	calculate	VERB
fsr-3532	147	29	retirement	retirement	NOUN
fsr-3532	147	30	needs	need	NOUN
fsr-3532	147	31	,	,	PUNCT
fsr-3532	147	32	and	and	CCONJ
fsr-3532	147	33	save	save	VERB
fsr-3532	147	34	for	for	ADP
fsr-3532	147	35	retirement	retirement	NOUN
fsr-3532	147	36	.	.	PUNCT
fsr-3532	148	1	we	we	PRON
fsr-3532	148	2	also	also	ADV
fsr-3532	148	3	hypothesize	hypothesize	VERB
fsr-3532	148	4	that	that	SCONJ
fsr-3532	148	5	more	more	ADV
fsr-3532	148	6	frequent	frequent	ADJ
fsr-3532	148	7	exposure	exposure	NOUN
fsr-3532	148	8	to	to	ADP
fsr-3532	148	9	financial	financial	ADJ
fsr-3532	148	10	education	education	NOUN
fsr-3532	148	11	courses	course	NOUN
fsr-3532	148	12	will	will	AUX
fsr-3532	148	13	have	have	VERB
fsr-3532	148	14	a	a	DET
fsr-3532	148	15	significant	significant	ADJ
fsr-3532	148	16	,	,	PUNCT
fsr-3532	148	17	positive	positive	ADJ
fsr-3532	148	18	relation	relation	NOUN
fsr-3532	148	19	to	to	ADP
fsr-3532	148	20	the	the	DET
fsr-3532	148	21	three	three	NUM
fsr-3532	148	22	behaviors	behavior	NOUN
fsr-3532	148	23	mentioned	mention	VERB
fsr-3532	148	24	above	above	ADV
fsr-3532	148	25	.	.	PUNCT
fsr-3532	149	1	4	4	X
fsr-3532	149	2	.	.	X
fsr-3532	149	3	methods	method	NOUN
fsr-3532	149	4	we	we	PRON
fsr-3532	149	5	use	use	VERB
fsr-3532	149	6	the	the	DET
fsr-3532	149	7	probit	probit	NOUN
fsr-3532	149	8	regression	regression	NOUN
fsr-3532	149	9	method	method	NOUN
fsr-3532	149	10	to	to	PART
fsr-3532	149	11	estimate	estimate	VERB
fsr-3532	149	12	the	the	DET
fsr-3532	149	13	effects	effect	NOUN
fsr-3532	149	14	of	of	ADP
fsr-3532	149	15	the	the	DET
fsr-3532	149	16	independent	independent	ADJ
fsr-3532	149	17	variables	variable	NOUN
fsr-3532	149	18	on	on	ADP
fsr-3532	149	19	the	the	DET
fsr-3532	149	20	dependent	dependent	ADJ
fsr-3532	149	21	variable	variable	NOUN
fsr-3532	149	22	.	.	PUNCT
fsr-3532	150	1	in	in	ADP
fsr-3532	150	2	this	this	DET
fsr-3532	150	3	paper	paper	NOUN
fsr-3532	150	4	,	,	PUNCT
fsr-3532	150	5	we	we	PRON
fsr-3532	150	6	look	look	VERB
fsr-3532	150	7	at	at	ADP
fsr-3532	150	8	the	the	DET
fsr-3532	150	9	outcomes	outcome	NOUN
fsr-3532	150	10	of	of	ADP
fsr-3532	150	11	having	have	VERB
fsr-3532	150	12	early	early	ADJ
fsr-3532	150	13	exposure	exposure	NOUN
fsr-3532	150	14	to	to	ADP
fsr-3532	150	15	financial	financial	ADJ
fsr-3532	150	16	education	education	NOUN
fsr-3532	150	17	classes	class	NOUN
fsr-3532	150	18	on	on	ADP
fsr-3532	150	19	positive	positive	ADJ
fsr-3532	150	20	financial	financial	ADJ
fsr-3532	150	21	behaviors	behavior	NOUN
fsr-3532	150	22	.	.	PUNCT
fsr-3532	151	1	we	we	PRON
fsr-3532	151	2	examine	examine	VERB
fsr-3532	151	3	three	three	NUM
fsr-3532	151	4	main	main	ADJ
fsr-3532	151	5	positive	positive	ADJ
fsr-3532	151	6	financial	financial	ADJ
fsr-3532	151	7	behaviors	behavior	NOUN
fsr-3532	151	8	,	,	PUNCT
fsr-3532	151	9	namely	namely	ADV
fsr-3532	151	10	owning	own	VERB
fsr-3532	151	11	an	an	DET
fsr-3532	151	12	ira	ira	PROPN
fsr-3532	151	13	,	,	PUNCT
fsr-3532	151	14	saving	save	VERB
fsr-3532	151	15	for	for	ADP
fsr-3532	151	16	retirement	retirement	NOUN
fsr-3532	151	17	,	,	PUNCT
fsr-3532	151	18	and	and	CCONJ
fsr-3532	151	19	calculating	calculate	VERB
fsr-3532	151	20	retirement	retirement	NOUN
fsr-3532	151	21	needs	need	NOUN
fsr-3532	151	22	.	.	PUNCT
fsr-3532	152	1	5	5	X
fsr-3532	152	2	.	.	X
fsr-3532	152	3	results	result	VERB
fsr-3532	152	4	5.1	5.1	NUM
fsr-3532	152	5	.	.	PUNCT
fsr-3532	153	1	univariate	univariate	ADJ
fsr-3532	153	2	analysis	analysis	NOUN
fsr-3532	153	3	table	table	NOUN
fsr-3532	153	4	1	1	NUM
fsr-3532	153	5	shows	show	VERB
fsr-3532	153	6	the	the	DET
fsr-3532	153	7	descriptive	descriptive	ADJ
fsr-3532	153	8	statistics	statistic	NOUN
fsr-3532	153	9	for	for	ADP
fsr-3532	153	10	the	the	DET
fsr-3532	153	11	sample	sample	NOUN
fsr-3532	153	12	.	.	PUNCT
fsr-3532	154	1	there	there	PRON
fsr-3532	154	2	are	be	VERB
fsr-3532	154	3	3,794	3,794	NUM
fsr-3532	154	4	observations	observation	NOUN
fsr-3532	154	5	in	in	ADP
fsr-3532	154	6	the	the	DET
fsr-3532	154	7	final	final	ADJ
fsr-3532	154	8	sample	sample	NOUN
fsr-3532	154	9	.	.	PUNCT
fsr-3532	155	1	when	when	SCONJ
fsr-3532	155	2	examining	examine	VERB
fsr-3532	155	3	the	the	DET
fsr-3532	155	4	positive	positive	ADJ
fsr-3532	155	5	financial	financial	ADJ
fsr-3532	155	6	behaviors	behavior	NOUN
fsr-3532	155	7	,	,	PUNCT
fsr-3532	155	8	we	we	PRON
fsr-3532	155	9	found	find	VERB
fsr-3532	155	10	that	that	SCONJ
fsr-3532	155	11	about	about	ADV
fsr-3532	155	12	47	47	NUM
fsr-3532	155	13	%	%	NOUN
fsr-3532	155	14	of	of	ADP
fsr-3532	155	15	respondents	respondent	NOUN
fsr-3532	155	16	own	own	VERB
fsr-3532	155	17	an	an	DET
fsr-3532	155	18	ira	ira	PROPN
fsr-3532	155	19	and	and	CCONJ
fsr-3532	155	20	about	about	ADV
fsr-3532	155	21	53	53	NUM
fsr-3532	155	22	%	%	NOUN
fsr-3532	155	23	do	do	VERB
fsr-3532	155	24	not	not	PART
fsr-3532	155	25	.	.	PUNCT
fsr-3532	156	1	about	about	ADV
fsr-3532	156	2	49	49	NUM
fsr-3532	156	3	%	%	NOUN
fsr-3532	156	4	calculate	calculate	VERB
fsr-3532	156	5	their	their	PRON
fsr-3532	156	6	retirement	retirement	NOUN
fsr-3532	156	7	needs	need	NOUN
fsr-3532	156	8	and	and	CCONJ
fsr-3532	156	9	about	about	ADV
fsr-3532	156	10	49	49	NUM
fsr-3532	156	11	%	%	NOUN
fsr-3532	156	12	continue	continue	VERB
fsr-3532	156	13	to	to	PART
fsr-3532	156	14	make	make	VERB
fsr-3532	156	15	regular	regular	ADJ
fsr-3532	156	16	contributions	contribution	NOUN
fsr-3532	156	17	to	to	ADP
fsr-3532	156	18	retirement	retirement	NOUN
fsr-3532	156	19	.	.	PUNCT
fsr-3532	157	1	timing	timing	NOUN
fsr-3532	157	2	of	of	ADP
fsr-3532	157	3	financial	financial	ADJ
fsr-3532	157	4	education	education	NOUN
fsr-3532	157	5	measures	measure	NOUN
fsr-3532	157	6	when	when	SCONJ
fsr-3532	157	7	the	the	DET
fsr-3532	157	8	respondents	respondent	NOUN
fsr-3532	157	9	received	receive	VERB
fsr-3532	157	10	financial	financial	ADJ
fsr-3532	157	11	education	education	NOUN
fsr-3532	157	12	.	.	PUNCT
fsr-3532	158	1	there	there	PRON
fsr-3532	158	2	may	may	AUX
fsr-3532	158	3	be	be	AUX
fsr-3532	158	4	an	an	DET
fsr-3532	158	5	overlap	overlap	NOUN
fsr-3532	158	6	in	in	ADP
fsr-3532	158	7	each	each	PRON
fsr-3532	158	8	of	of	ADP
fsr-3532	158	9	the	the	DET
fsr-3532	158	10	four	four	NUM
fsr-3532	158	11	categories	category	NOUN
fsr-3532	158	12	since	since	SCONJ
fsr-3532	158	13	they	they	PRON
fsr-3532	158	14	simply	simply	ADV
fsr-3532	158	15	answered	answer	VERB
fsr-3532	158	16	whether	whether	SCONJ
fsr-3532	158	17	they	they	PRON
fsr-3532	158	18	received	receive	VERB
fsr-3532	158	19	financial	financial	ADJ
fsr-3532	158	20	education	education	NOUN
fsr-3532	158	21	at	at	ADP
fsr-3532	158	22	the	the	DET
fsr-3532	158	23	different	different	ADJ
fsr-3532	158	24	points	point	NOUN
fsr-3532	158	25	included	include	VERB
fsr-3532	158	26	in	in	ADP
fsr-3532	158	27	the	the	DET
fsr-3532	158	28	survey	survey	NOUN
fsr-3532	158	29	question	question	NOUN
fsr-3532	158	30	.	.	PUNCT
fsr-3532	159	1	we	we	PRON
fsr-3532	159	2	do	do	AUX
fsr-3532	159	3	not	not	PART
fsr-3532	159	4	know	know	VERB
fsr-3532	159	5	the	the	DET
fsr-3532	159	6	first	first	ADJ
fsr-3532	159	7	point	point	NOUN
fsr-3532	159	8	of	of	ADP
fsr-3532	159	9	exposure	exposure	NOUN
fsr-3532	159	10	,	,	PUNCT
fsr-3532	159	11	simply	simply	ADV
fsr-3532	159	12	whether	whether	SCONJ
fsr-3532	159	13	respondents	respondent	NOUN
fsr-3532	159	14	are	be	AUX
fsr-3532	159	15	exposed	expose	VERB
fsr-3532	159	16	to	to	ADP
fsr-3532	159	17	financial	financial	ADJ
fsr-3532	159	18	education	education	NOUN
fsr-3532	159	19	at	at	ADP
fsr-3532	159	20	one	one	NUM
fsr-3532	159	21	or	or	CCONJ
fsr-3532	159	22	more	more	ADJ
fsr-3532	159	23	of	of	ADP
fsr-3532	159	24	the	the	DET
fsr-3532	159	25	four	four	NUM
fsr-3532	159	26	options	option	NOUN
fsr-3532	159	27	.	.	PUNCT
fsr-3532	160	1	about	about	ADV
fsr-3532	160	2	53	53	NUM
fsr-3532	160	3	%	%	NOUN
fsr-3532	160	4	received	receive	VERB
fsr-3532	160	5	financial	financial	ADJ
fsr-3532	160	6	education	education	NOUN
fsr-3532	160	7	in	in	ADP
fsr-3532	160	8	high	high	ADJ
fsr-3532	160	9	school	school	NOUN
fsr-3532	160	10	,	,	PUNCT
fsr-3532	160	11	increasing	increase	VERB
fsr-3532	160	12	to	to	ADP
fsr-3532	160	13	about	about	ADV
fsr-3532	160	14	67	67	NUM
fsr-3532	160	15	%	%	NOUN
fsr-3532	160	16	during	during	ADP
fsr-3532	160	17	college	college	NOUN
fsr-3532	160	18	.	.	PUNCT
fsr-3532	161	1	about	about	ADV
fsr-3532	161	2	46	46	NUM
fsr-3532	161	3	%	%	NOUN
fsr-3532	161	4	received	receive	VERB
fsr-3532	161	5	financial	financial	ADJ
fsr-3532	161	6	education	education	NOUN
fsr-3532	161	7	at	at	ADP
fsr-3532	161	8	work	work	NOUN
fsr-3532	161	9	and	and	CCONJ
fsr-3532	161	10	about	about	ADV
fsr-3532	161	11	9	9	NUM
fsr-3532	161	12	%	%	NOUN
fsr-3532	161	13	received	receive	VERB
fsr-3532	161	14	it	it	PRON
fsr-3532	161	15	in	in	ADP
fsr-3532	161	16	the	the	DET
fsr-3532	161	17	military	military	NOUN
fsr-3532	161	18	.	.	PUNCT
fsr-3532	162	1	frequency	frequency	NOUN
fsr-3532	162	2	measures	measure	NOUN
fsr-3532	162	3	the	the	DET
fsr-3532	162	4	number	number	NOUN
fsr-3532	162	5	of	of	ADP
fsr-3532	162	6	times	time	NOUN
fsr-3532	162	7	respondents	respondent	NOUN
fsr-3532	162	8	received	receive	VERB
fsr-3532	162	9	financial	financial	ADJ
fsr-3532	162	10	education	education	NOUN
fsr-3532	162	11	.	.	PUNCT
fsr-3532	163	1	about	about	ADV
fsr-3532	163	2	48	48	NUM
fsr-3532	163	3	%	%	NOUN
fsr-3532	163	4	of	of	ADP
fsr-3532	163	5	respondents	respondent	NOUN
fsr-3532	163	6	had	have	AUX
fsr-3532	163	7	been	be	AUX
fsr-3532	163	8	exposed	expose	VERB
fsr-3532	163	9	to	to	ADP
fsr-3532	163	10	a	a	DET
fsr-3532	163	11	financial	financial	ADJ
fsr-3532	163	12	education	education	NOUN
fsr-3532	163	13	course	course	NOUN
fsr-3532	163	14	twice	twice	ADV
fsr-3532	163	15	,	,	PUNCT
fsr-3532	163	16	with	with	ADP
fsr-3532	163	17	only	only	ADV
fsr-3532	163	18	about	about	ADV
fsr-3532	163	19	37	37	NUM
fsr-3532	163	20	%	%	NOUN
fsr-3532	163	21	having	having	AUX
fsr-3532	163	22	taken	take	VERB
fsr-3532	163	23	more	more	ADJ
fsr-3532	163	24	than	than	ADP
fsr-3532	163	25	two	two	NUM
fsr-3532	163	26	financial	financial	ADJ
fsr-3532	163	27	education	education	NOUN
fsr-3532	163	28	courses	course	NOUN
fsr-3532	163	29	.	.	PUNCT
fsr-3532	164	1	as	as	SCONJ
fsr-3532	164	2	frequency	frequency	NOUN
fsr-3532	164	3	increased	increase	VERB
fsr-3532	164	4	the	the	DET
fsr-3532	164	5	proportion	proportion	NOUN
fsr-3532	164	6	of	of	ADP
fsr-3532	164	7	respondents	respondent	NOUN
fsr-3532	164	8	taking	take	VERB
fsr-3532	164	9	financial	financial	ADJ
fsr-3532	164	10	education	education	NOUN
fsr-3532	164	11	courses	course	NOUN
fsr-3532	164	12	drops	drop	VERB
fsr-3532	164	13	,	,	PUNCT
fsr-3532	164	14	until	until	SCONJ
fsr-3532	164	15	only	only	ADV
fsr-3532	164	16	about	about	ADV
fsr-3532	164	17	3	3	NUM
fsr-3532	164	18	%	%	NOUN
fsr-3532	164	19	had	have	AUX
fsr-3532	164	20	taken	take	VERB
fsr-3532	164	21	four	four	NUM
fsr-3532	164	22	financial	financial	ADJ
fsr-3532	164	23	education	education	NOUN
fsr-3532	164	24	courses	course	NOUN
fsr-3532	164	25	.	.	PUNCT
fsr-3532	165	1	about	about	ADV
fsr-3532	165	2	60	60	NUM
fsr-3532	165	3	%	%	NOUN
fsr-3532	165	4	of	of	ADP
fsr-3532	165	5	the	the	DET
fsr-3532	165	6	sample	sample	NOUN
fsr-3532	165	7	is	be	AUX
fsr-3532	165	8	male	male	ADJ
fsr-3532	165	9	.	.	PUNCT
fsr-3532	166	1	about	about	ADV
fsr-3532	166	2	44	44	NUM
fsr-3532	166	3	%	%	NOUN
fsr-3532	166	4	of	of	ADP
fsr-3532	166	5	the	the	DET
fsr-3532	166	6	sample	sample	NOUN
fsr-3532	166	7	are	be	AUX
fsr-3532	166	8	in	in	ADP
fsr-3532	166	9	the	the	DET
fsr-3532	166	10	age	age	NOUN
fsr-3532	166	11	range	range	NOUN
fsr-3532	166	12	18	18	NUM
fsr-3532	166	13	-	-	SYM
fsr-3532	166	14	44	44	NUM
fsr-3532	166	15	.	.	PUNCT
fsr-3532	167	1	this	this	PRON
fsr-3532	167	2	drops	drop	VERB
fsr-3532	167	3	to	to	ADP
fsr-3532	167	4	about	about	ADV
fsr-3532	167	5	36	36	NUM
fsr-3532	167	6	%	%	NOUN
fsr-3532	167	7	in	in	ADP
fsr-3532	167	8	the	the	DET
fsr-3532	167	9	age	age	NOUN
fsr-3532	167	10	range	range	VERB
fsr-3532	167	11	45	45	NUM
fsr-3532	167	12	-	-	SYM
fsr-3532	167	13	64	64	NUM
fsr-3532	167	14	and	and	CCONJ
fsr-3532	167	15	closes	close	VERB
fsr-3532	167	16	with	with	ADP
fsr-3532	167	17	about	about	ADV
fsr-3532	167	18	21	21	NUM
fsr-3532	167	19	%	%	NOUN
fsr-3532	167	20	being	being	NOUN
fsr-3532	167	21	age	age	NOUN
fsr-3532	167	22	65	65	NUM
fsr-3532	167	23	and	and	CCONJ
fsr-3532	167	24	l.	l.	PROPN
fsr-3532	167	25	a.	a.	PROPN
fsr-3532	167	26	v.	v.	PROPN
fsr-3532	167	27	augustin	augustin	PROPN
fsr-3532	167	28	and	and	CCONJ
fsr-3532	168	1	t.	t.	PROPN
fsr-3532	168	2	k.	k.	PROPN
fsr-3532	168	3	martin	martin	PROPN
fsr-3532	168	4	/	/	SYM
fsr-3532	168	5	financial	financial	ADJ
fsr-3532	168	6	services	service	NOUN
fsr-3532	168	7	review	review	VERB
fsr-3532	168	8	31	31	NUM
fsr-3532	168	9	(	(	PUNCT
fsr-3532	168	10	2023	2023	NUM
fsr-3532	168	11	)	)	PUNCT
fsr-3532	168	12	151–167	151–167	NUM
fsr-3532	168	13	157	157	NUM
fsr-3532	168	14	table	table	NOUN
fsr-3532	168	15	1	1	NUM
fsr-3532	168	16	descriptive	descriptive	ADJ
fsr-3532	168	17	statistics	statistic	NOUN
fsr-3532	168	18	for	for	ADP
fsr-3532	168	19	timing	timing	NOUN
fsr-3532	168	20	and	and	CCONJ
fsr-3532	168	21	frequency	frequency	NOUN
fsr-3532	168	22	sample	sample	NOUN
fsr-3532	168	23	(	(	PUNCT
fsr-3532	168	24	n	n	ADV
fsr-3532	168	25	5	5	NUM
fsr-3532	168	26	3,794	3,794	NUM
fsr-3532	168	27	)	)	PUNCT
fsr-3532	168	28	variable	variable	ADJ
fsr-3532	168	29	frequency	frequency	NOUN
fsr-3532	168	30	financial	financial	ADJ
fsr-3532	168	31	behavior	behavior	NOUN
fsr-3532	168	32	own	own	VERB
fsr-3532	168	33	ira	ira	PROPN
fsr-3532	169	1	no	no	PRON
fsr-3532	169	2	46.92	46.92	NUM
fsr-3532	169	3	%	%	NOUN
fsr-3532	170	1	yes	yes	INTJ
fsr-3532	170	2	53.08	53.08	NUM
fsr-3532	170	3	%	%	NOUN
fsr-3532	170	4	calculate	calculate	NOUN
fsr-3532	170	5	retirement	retirement	NOUN
fsr-3532	170	6	needs	need	VERB
fsr-3532	170	7	no	no	DET
fsr-3532	170	8	50.69	50.69	NUM
fsr-3532	170	9	%	%	NOUN
fsr-3532	170	10	yes	yes	NOUN
fsr-3532	170	11	49.31	49.31	NUM
fsr-3532	170	12	%	%	NOUN
fsr-3532	170	13	regular	regular	ADJ
fsr-3532	170	14	contributions	contribution	NOUN
fsr-3532	170	15	to	to	AUX
fsr-3532	170	16	retirement	retirement	NOUN
fsr-3532	170	17	no	no	DET
fsr-3532	170	18	50.98	50.98	NUM
fsr-3532	170	19	%	%	NOUN
fsr-3532	171	1	yes	yes	NOUN
fsr-3532	171	2	49.02	49.02	NUM
fsr-3532	171	3	%	%	NOUN
fsr-3532	171	4	timing	timing	NOUN
fsr-3532	171	5	of	of	ADP
fsr-3532	171	6	financial	financial	ADJ
fsr-3532	171	7	education	education	NOUN
fsr-3532	171	8	high	high	ADJ
fsr-3532	171	9	school	school	NOUN
fsr-3532	171	10	no	no	DET
fsr-3532	171	11	47.47	47.47	NUM
fsr-3532	171	12	%	%	NOUN
fsr-3532	172	1	yes	yes	INTJ
fsr-3532	172	2	52.53	52.53	NUM
fsr-3532	172	3	%	%	NOUN
fsr-3532	172	4	college	college	NOUN
fsr-3532	172	5	no	no	DET
fsr-3532	172	6	33.32	33.32	NUM
fsr-3532	172	7	%	%	NOUN
fsr-3532	173	1	yes	yes	NOUN
fsr-3532	173	2	66.68	66.68	NUM
fsr-3532	173	3	%	%	NOUN
fsr-3532	173	4	work	work	NOUN
fsr-3532	173	5	no	no	DET
fsr-3532	173	6	54.51	54.51	NUM
fsr-3532	173	7	%	%	NOUN
fsr-3532	174	1	yes	yes	NOUN
fsr-3532	174	2	45.49	45.49	NUM
fsr-3532	174	3	%	%	NOUN
fsr-3532	174	4	military	military	NOUN
fsr-3532	174	5	no	no	PRON
fsr-3532	174	6	90.91	90.91	NUM
fsr-3532	174	7	%	%	NOUN
fsr-3532	175	1	yes	yes	INTJ
fsr-3532	175	2	9.09	9.09	NUM
fsr-3532	175	3	%	%	NOUN
fsr-3532	175	4	frequency	frequency	NOUN
fsr-3532	175	5	of	of	ADP
fsr-3532	175	6	financial	financial	ADJ
fsr-3532	175	7	education	education	NOUN
fsr-3532	175	8	one	one	NUM
fsr-3532	175	9	time	time	NOUN
fsr-3532	175	10	47.52	47.52	NUM
fsr-3532	175	11	%	%	NOUN
fsr-3532	175	12	two	two	NUM
fsr-3532	175	13	times	time	NOUN
fsr-3532	175	14	33.66	33.66	NUM
fsr-3532	175	15	%	%	NOUN
fsr-3532	175	16	three	three	NUM
fsr-3532	175	17	times	time	NOUN
fsr-3532	175	18	16.32	16.32	NUM
fsr-3532	175	19	%	%	NOUN
fsr-3532	175	20	four	four	NUM
fsr-3532	175	21	times	time	NOUN
fsr-3532	175	22	2.50	2.50	NUM
fsr-3532	175	23	%	%	NOUN
fsr-3532	175	24	male	male	NOUN
fsr-3532	175	25	no	no	DET
fsr-3532	175	26	40.77	40.77	NUM
fsr-3532	175	27	%	%	NOUN
fsr-3532	176	1	yes	yes	NOUN
fsr-3532	176	2	59.23	59.23	NUM
fsr-3532	176	3	%	%	NOUN
fsr-3532	176	4	life	life	NOUN
fsr-3532	176	5	cycle	cycle	NOUN
fsr-3532	176	6	age	age	NOUN
fsr-3532	176	7	range	range	NOUN
fsr-3532	176	8	acquisition	acquisition	NOUN
fsr-3532	176	9	(	(	PUNCT
fsr-3532	176	10	18–44	18–44	NUM
fsr-3532	176	11	)	)	PUNCT
fsr-3532	176	12	no	no	DET
fsr-3532	176	13	56.51	56.51	NUM
fsr-3532	176	14	%	%	NOUN
fsr-3532	177	1	yes	yes	NOUN
fsr-3532	177	2	43.49	43.49	NUM
fsr-3532	177	3	%	%	NOUN
fsr-3532	177	4	accumulation	accumulation	NOUN
fsr-3532	177	5	(	(	PUNCT
fsr-3532	177	6	45–64	45–64	NOUN
fsr-3532	177	7	)	)	PUNCT
fsr-3532	177	8	no	no	DET
fsr-3532	177	9	64.07	64.07	NUM
fsr-3532	177	10	%	%	NOUN
fsr-3532	177	11	yes	yes	NOUN
fsr-3532	177	12	35.93	35.93	NUM
fsr-3532	177	13	%	%	NOUN
fsr-3532	177	14	distribution	distribution	NOUN
fsr-3532	177	15	(	(	PUNCT
fsr-3532	177	16	65	65	NUM
fsr-3532	177	17	+	+	NOUN
fsr-3532	177	18	)	)	PUNCT
fsr-3532	177	19	no	no	PRON
fsr-3532	177	20	79.41	79.41	NUM
fsr-3532	177	21	%	%	NOUN
fsr-3532	178	1	yes	yes	NOUN
fsr-3532	178	2	20.59	20.59	NUM
fsr-3532	178	3	%	%	NOUN
fsr-3532	178	4	white	white	ADJ
fsr-3532	178	5	no	no	DET
fsr-3532	178	6	27.78	27.78	NUM
fsr-3532	178	7	%	%	NOUN
fsr-3532	179	1	yes	yes	NOUN
fsr-3532	179	2	72.22	72.22	NUM
fsr-3532	179	3	%	%	NOUN
fsr-3532	179	4	income	income	NOUN
fsr-3532	179	5	low	low	NOUN
fsr-3532	180	1	no	no	PRON
fsr-3532	180	2	78.81	78.81	NUM
fsr-3532	180	3	%	%	NOUN
fsr-3532	180	4	yes	yes	INTJ
fsr-3532	180	5	21.19	21.19	NUM
fsr-3532	180	6	%	%	NOUN
fsr-3532	180	7	moderate	moderate	ADJ
fsr-3532	180	8	no	no	PRON
fsr-3532	180	9	50.74	50.74	NUM
fsr-3532	180	10	%	%	NOUN
fsr-3532	181	1	yes	yes	NOUN
fsr-3532	181	2	49.26	49.26	NUM
fsr-3532	181	3	%	%	NOUN
fsr-3532	181	4	(	(	PUNCT
fsr-3532	181	5	continued	continue	VERB
fsr-3532	181	6	on	on	ADP
fsr-3532	181	7	next	next	ADJ
fsr-3532	181	8	page	page	NOUN
fsr-3532	181	9	)	)	PUNCT
fsr-3532	181	10	158	158	NUM
fsr-3532	181	11	l.	l.	PROPN
fsr-3532	181	12	a.	a.	PROPN
fsr-3532	181	13	v.	v.	PROPN
fsr-3532	181	14	augustin	augustin	PROPN
fsr-3532	181	15	and	and	CCONJ
fsr-3532	181	16	t.	t.	PROPN
fsr-3532	181	17	k.	k.	PROPN
fsr-3532	181	18	martin	martin	PROPN
fsr-3532	181	19	/	/	SYM
fsr-3532	181	20	financial	financial	ADJ
fsr-3532	181	21	services	service	NOUN
fsr-3532	181	22	review	review	VERB
fsr-3532	181	23	31	31	NUM
fsr-3532	181	24	(	(	PUNCT
fsr-3532	181	25	2023	2023	NUM
fsr-3532	181	26	)	)	PUNCT
fsr-3532	181	27	151–167	151–167	NUM
fsr-3532	181	28	above	above	ADV
fsr-3532	181	29	.	.	PUNCT
fsr-3532	182	1	about	about	ADV
fsr-3532	182	2	72	72	NUM
fsr-3532	182	3	%	%	NOUN
fsr-3532	182	4	of	of	ADP
fsr-3532	182	5	the	the	DET
fsr-3532	182	6	sample	sample	NOUN
fsr-3532	182	7	reports	report	NOUN
fsr-3532	182	8	being	be	AUX
fsr-3532	182	9	white	white	ADJ
fsr-3532	182	10	.	.	PUNCT
fsr-3532	183	1	the	the	DET
fsr-3532	183	2	mean	mean	ADJ
fsr-3532	183	3	income	income	NOUN
fsr-3532	183	4	is	be	AUX
fsr-3532	183	5	between	between	ADP
fsr-3532	183	6	$	$	SYM
fsr-3532	183	7	50,000	50,000	NUM
fsr-3532	183	8	and	and	CCONJ
fsr-3532	183	9	$	$	SYM
fsr-3532	183	10	75,000	75,000	NUM
fsr-3532	183	11	.	.	PUNCT
fsr-3532	184	1	about	about	ADV
fsr-3532	184	2	9	9	NUM
fsr-3532	184	3	%	%	NOUN
fsr-3532	184	4	of	of	ADP
fsr-3532	184	5	the	the	DET
fsr-3532	184	6	sample	sample	NOUN
fsr-3532	184	7	reports	report	NOUN
fsr-3532	184	8	having	have	VERB
fsr-3532	184	9	only	only	ADV
fsr-3532	184	10	a	a	DET
fsr-3532	184	11	high	high	ADJ
fsr-3532	184	12	school	school	NOUN
fsr-3532	184	13	education	education	NOUN
fsr-3532	184	14	and	and	CCONJ
fsr-3532	184	15	about	about	ADV
fsr-3532	184	16	45	45	NUM
fsr-3532	184	17	%	%	NOUN
fsr-3532	184	18	reports	report	NOUN
fsr-3532	184	19	having	have	VERB
fsr-3532	184	20	a	a	DET
fsr-3532	184	21	college	college	NOUN
fsr-3532	184	22	education	education	NOUN
fsr-3532	184	23	.	.	PUNCT
fsr-3532	185	1	about	about	ADV
fsr-3532	185	2	61	61	NUM
fsr-3532	185	3	%	%	NOUN
fsr-3532	185	4	of	of	ADP
fsr-3532	185	5	the	the	DET
fsr-3532	185	6	sample	sample	NOUN
fsr-3532	185	7	is	be	AUX
fsr-3532	185	8	married	married	ADJ
fsr-3532	185	9	and	and	CCONJ
fsr-3532	185	10	about	about	ADV
fsr-3532	185	11	26	26	NUM
fsr-3532	185	12	%	%	NOUN
fsr-3532	185	13	report	report	NOUN
fsr-3532	185	14	being	be	AUX
fsr-3532	185	15	single	single	ADJ
fsr-3532	185	16	.	.	PUNCT
fsr-3532	186	1	about	about	ADV
fsr-3532	186	2	61	61	NUM
fsr-3532	186	3	%	%	NOUN
fsr-3532	186	4	of	of	ADP
fsr-3532	186	5	the	the	DET
fsr-3532	186	6	sample	sample	NOUN
fsr-3532	186	7	are	be	AUX
fsr-3532	186	8	working	work	VERB
fsr-3532	186	9	,	,	PUNCT
fsr-3532	186	10	about	about	ADV
fsr-3532	186	11	16	16	NUM
fsr-3532	186	12	%	%	NOUN
fsr-3532	186	13	are	be	AUX
fsr-3532	186	14	not	not	PART
fsr-3532	186	15	working	work	VERB
fsr-3532	186	16	,	,	PUNCT
fsr-3532	186	17	and	and	CCONJ
fsr-3532	186	18	about	about	ADV
fsr-3532	186	19	22	22	NUM
fsr-3532	186	20	%	%	NOUN
fsr-3532	186	21	are	be	AUX
fsr-3532	186	22	retired	retire	VERB
fsr-3532	186	23	.	.	PUNCT
fsr-3532	187	1	more	more	ADJ
fsr-3532	187	2	than	than	ADP
fsr-3532	187	3	half	half	NOUN
fsr-3532	187	4	of	of	ADP
fsr-3532	187	5	the	the	DET
fsr-3532	187	6	sample	sample	NOUN
fsr-3532	187	7	had	have	VERB
fsr-3532	187	8	no	no	DET
fsr-3532	187	9	children	child	NOUN
fsr-3532	187	10	.	.	PUNCT
fsr-3532	188	1	about	about	ADV
fsr-3532	188	2	27	27	NUM
fsr-3532	188	3	%	%	NOUN
fsr-3532	188	4	report	report	NOUN
fsr-3532	188	5	having	have	VERB
fsr-3532	188	6	low	low	ADJ
fsr-3532	188	7	risk	risk	NOUN
fsr-3532	188	8	tolerance	tolerance	NOUN
fsr-3532	188	9	,	,	PUNCT
fsr-3532	188	10	about	about	ADV
fsr-3532	188	11	57	57	NUM
fsr-3532	188	12	%	%	NOUN
fsr-3532	188	13	have	have	VERB
fsr-3532	188	14	moderate	moderate	ADJ
fsr-3532	188	15	risk	risk	NOUN
fsr-3532	188	16	tolerance	tolerance	NOUN
fsr-3532	188	17	,	,	PUNCT
fsr-3532	188	18	and	and	CCONJ
fsr-3532	188	19	about	about	ADV
fsr-3532	188	20	16	16	NUM
fsr-3532	188	21	%	%	NOUN
fsr-3532	188	22	have	have	VERB
fsr-3532	188	23	highrisk	highrisk	NOUN
fsr-3532	188	24	tolerance	tolerance	NOUN
fsr-3532	188	25	.	.	PUNCT
fsr-3532	189	1	about	about	ADV
fsr-3532	189	2	70	70	NUM
fsr-3532	189	3	%	%	NOUN
fsr-3532	189	4	of	of	ADP
fsr-3532	189	5	the	the	DET
fsr-3532	189	6	sample	sample	NOUN
fsr-3532	189	7	provided	provide	VERB
fsr-3532	189	8	correct	correct	ADJ
fsr-3532	189	9	responses	response	NOUN
fsr-3532	189	10	to	to	ADP
fsr-3532	189	11	all	all	DET
fsr-3532	189	12	questions	question	NOUN
fsr-3532	189	13	used	use	VERB
fsr-3532	189	14	to	to	PART
fsr-3532	189	15	measure	measure	VERB
fsr-3532	189	16	financial	financial	ADJ
fsr-3532	189	17	literacy	literacy	NOUN
fsr-3532	189	18	.	.	PUNCT
fsr-3532	190	1	table	table	NOUN
fsr-3532	190	2	2	2	NUM
fsr-3532	190	3	shows	show	VERB
fsr-3532	190	4	the	the	DET
fsr-3532	190	5	distribution	distribution	NOUN
fsr-3532	190	6	of	of	ADP
fsr-3532	190	7	positive	positive	ADJ
fsr-3532	190	8	financial	financial	ADJ
fsr-3532	190	9	behaviors	behavior	NOUN
fsr-3532	190	10	.	.	PUNCT
fsr-3532	191	1	this	this	DET
fsr-3532	191	2	table	table	NOUN
fsr-3532	191	3	reports	report	VERB
fsr-3532	191	4	the	the	DET
fsr-3532	191	5	three	three	NUM
fsr-3532	191	6	positive	positive	ADJ
fsr-3532	191	7	behaviors	behavior	NOUN
fsr-3532	191	8	across	across	ADP
fsr-3532	191	9	each	each	DET
fsr-3532	191	10	variable	variable	NOUN
fsr-3532	191	11	.	.	PUNCT
fsr-3532	192	1	the	the	DET
fsr-3532	192	2	totals	total	NOUN
fsr-3532	192	3	do	do	AUX
fsr-3532	192	4	not	not	PART
fsr-3532	192	5	sum	sum	VERB
fsr-3532	192	6	to	to	ADP
fsr-3532	192	7	100	100	NUM
fsr-3532	192	8	%	%	NOUN
fsr-3532	192	9	horizontally	horizontally	ADV
fsr-3532	192	10	because	because	SCONJ
fsr-3532	192	11	the	the	DET
fsr-3532	192	12	three	three	NUM
fsr-3532	192	13	behaviors	behavior	NOUN
fsr-3532	192	14	are	be	AUX
fsr-3532	192	15	not	not	PART
fsr-3532	192	16	mutually	mutually	ADV
fsr-3532	192	17	exclusive	exclusive	ADJ
fsr-3532	192	18	.	.	PUNCT
fsr-3532	193	1	for	for	ADP
fsr-3532	193	2	respondents	respondent	NOUN
fsr-3532	193	3	who	who	PRON
fsr-3532	193	4	received	receive	VERB
fsr-3532	193	5	financial	financial	ADJ
fsr-3532	193	6	education	education	NOUN
fsr-3532	193	7	in	in	ADP
fsr-3532	193	8	high	high	ADJ
fsr-3532	193	9	school	school	NOUN
fsr-3532	193	10	we	we	PRON
fsr-3532	193	11	see	see	VERB
fsr-3532	193	12	that	that	SCONJ
fsr-3532	193	13	about	about	ADV
fsr-3532	193	14	52	52	NUM
fsr-3532	193	15	%	%	NOUN
fsr-3532	193	16	own	own	VERB
fsr-3532	193	17	an	an	DET
fsr-3532	193	18	ira	ira	PROPN
fsr-3532	193	19	.	.	PUNCT
fsr-3532	194	1	about	about	ADV
fsr-3532	194	2	52	52	NUM
fsr-3532	194	3	%	%	NOUN
fsr-3532	194	4	have	have	AUX
fsr-3532	194	5	calculated	calculate	VERB
fsr-3532	194	6	table	table	NOUN
fsr-3532	194	7	1	1	NUM
fsr-3532	194	8	(	(	PUNCT
fsr-3532	194	9	continued	continued	ADJ
fsr-3532	194	10	)	)	PUNCT
fsr-3532	194	11	variable	variable	ADJ
fsr-3532	194	12	frequency	frequency	NOUN
fsr-3532	194	13	high	high	ADJ
fsr-3532	195	1	no	no	DET
fsr-3532	195	2	70.45	70.45	NUM
fsr-3532	195	3	%	%	NOUN
fsr-3532	195	4	yes	yes	NOUN
fsr-3532	195	5	29.55	29.55	NUM
fsr-3532	195	6	%	%	NOUN
fsr-3532	195	7	college	college	NOUN
fsr-3532	195	8	degree	degree	NOUN
fsr-3532	195	9	no	no	PRON
fsr-3532	195	10	33.39	33.39	NUM
fsr-3532	195	11	%	%	NOUN
fsr-3532	196	1	yes	yes	NOUN
fsr-3532	196	2	66.61	66.61	NUM
fsr-3532	196	3	%	%	NOUN
fsr-3532	196	4	married	marry	VERB
fsr-3532	196	5	no	no	PRON
fsr-3532	196	6	39.22	39.22	NUM
fsr-3532	196	7	%	%	NOUN
fsr-3532	197	1	yes	yes	NOUN
fsr-3532	197	2	60.78	60.78	NUM
fsr-3532	197	3	%	%	NOUN
fsr-3532	197	4	employment	employment	NOUN
fsr-3532	197	5	status	status	NOUN
fsr-3532	197	6	working	work	VERB
fsr-3532	197	7	no	no	DET
fsr-3532	197	8	38.56	38.56	NUM
fsr-3532	197	9	%	%	NOUN
fsr-3532	197	10	yes	yes	INTJ
fsr-3532	197	11	61.44	61.44	NUM
fsr-3532	197	12	%	%	NOUN
fsr-3532	197	13	not	not	PART
fsr-3532	197	14	working	work	VERB
fsr-3532	197	15	no	no	PRON
fsr-3532	197	16	83.74	83.74	NUM
fsr-3532	197	17	%	%	NOUN
fsr-3532	197	18	yes	yes	NOUN
fsr-3532	197	19	16.26	16.26	NUM
fsr-3532	197	20	%	%	NOUN
fsr-3532	197	21	retired	retire	VERB
fsr-3532	197	22	no	no	PRON
fsr-3532	197	23	77.70	77.70	NUM
fsr-3532	197	24	%	%	NOUN
fsr-3532	197	25	yes	yes	NOUN
fsr-3532	197	26	22.30	22.30	NUM
fsr-3532	197	27	%	%	NOUN
fsr-3532	197	28	children	child	NOUN
fsr-3532	197	29	no	no	DET
fsr-3532	197	30	29.84	29.84	NUM
fsr-3532	197	31	%	%	NOUN
fsr-3532	198	1	yes	yes	INTJ
fsr-3532	198	2	70.16	70.16	NUM
fsr-3532	198	3	%	%	NOUN
fsr-3532	198	4	risk	risk	NOUN
fsr-3532	198	5	tolerance	tolerance	NOUN
fsr-3532	198	6	low	low	ADJ
fsr-3532	198	7	no	no	DET
fsr-3532	198	8	73.09	73.09	NUM
fsr-3532	198	9	%	%	NOUN
fsr-3532	199	1	yes	yes	NOUN
fsr-3532	199	2	26.91	26.91	NUM
fsr-3532	199	3	%	%	NOUN
fsr-3532	199	4	moderate	moderate	ADJ
fsr-3532	199	5	no	no	DET
fsr-3532	199	6	42.62	42.62	NUM
fsr-3532	199	7	%	%	NOUN
fsr-3532	199	8	yes	yes	INTJ
fsr-3532	199	9	57.38	57.38	NUM
fsr-3532	199	10	%	%	NOUN
fsr-3532	199	11	high	high	ADJ
fsr-3532	199	12	no	no	DET
fsr-3532	199	13	84.29	84.29	NUM
fsr-3532	199	14	%	%	NOUN
fsr-3532	200	1	yes	yes	NOUN
fsr-3532	200	2	15.71	15.71	NUM
fsr-3532	200	3	%	%	NOUN
fsr-3532	200	4	financially	financially	ADV
fsr-3532	200	5	literate	literate	ADJ
fsr-3532	200	6	no	no	DET
fsr-3532	200	7	29.63	29.63	NUM
fsr-3532	200	8	%	%	NOUN
fsr-3532	201	1	yes	yes	INTJ
fsr-3532	201	2	70.37	70.37	NUM
fsr-3532	201	3	%	%	NOUN
fsr-3532	201	4	l.	l.	PROPN
fsr-3532	201	5	a.	a.	PROPN
fsr-3532	201	6	v.	v.	PROPN
fsr-3532	201	7	augustin	augustin	PROPN
fsr-3532	201	8	and	and	CCONJ
fsr-3532	201	9	t.	t.	PROPN
fsr-3532	201	10	k.	k.	PROPN
fsr-3532	201	11	martin	martin	PROPN
fsr-3532	201	12	/	/	SYM
fsr-3532	201	13	financial	financial	ADJ
fsr-3532	201	14	services	service	NOUN
fsr-3532	201	15	review	review	VERB
fsr-3532	201	16	31	31	NUM
fsr-3532	201	17	(	(	PUNCT
fsr-3532	201	18	2023	2023	NUM
fsr-3532	201	19	)	)	PUNCT
fsr-3532	201	20	151–167	151–167	NUM
fsr-3532	201	21	159	159	NUM
fsr-3532	201	22	table	table	NOUN
fsr-3532	201	23	2	2	NUM
fsr-3532	201	24	distribution	distribution	NOUN
fsr-3532	201	25	of	of	ADP
fsr-3532	201	26	positive	positive	ADJ
fsr-3532	201	27	financial	financial	ADJ
fsr-3532	201	28	behaviors	behavior	NOUN
fsr-3532	201	29	(	(	PUNCT
fsr-3532	201	30	n	n	ADV
fsr-3532	201	31	5	5	NUM
fsr-3532	201	32	3,794	3,794	NUM
fsr-3532	201	33	)	)	PUNCT
fsr-3532	202	1	variable	variable	ADJ
fsr-3532	202	2	own	own	ADJ
fsr-3532	202	3	ira	ira	PROPN
fsr-3532	202	4	calculate	calculate	NOUN
fsr-3532	202	5	retirement	retirement	NOUN
fsr-3532	202	6	needs	need	NOUN
fsr-3532	202	7	contribute	contribute	VERB
fsr-3532	202	8	regularly	regularly	ADV
fsr-3532	202	9	to	to	ADP
fsr-3532	202	10	retirement	retirement	NOUN
fsr-3532	202	11	timing	timing	NOUN
fsr-3532	202	12	high	high	ADJ
fsr-3532	202	13	school	school	NOUN
fsr-3532	202	14	yes	yes	INTJ
fsr-3532	202	15	51.33	51.33	NUM
fsr-3532	202	16	%	%	NOUN
fsr-3532	202	17	51.53	51.53	NUM
fsr-3532	202	18	%	%	NOUN
fsr-3532	202	19	49.32	49.32	NUM
fsr-3532	202	20	%	%	NOUN
fsr-3532	202	21	no	no	DET
fsr-3532	202	22	48.67	48.67	NUM
fsr-3532	202	23	%	%	NOUN
fsr-3532	202	24	48.47	48.47	NUM
fsr-3532	202	25	%	%	NOUN
fsr-3532	202	26	50.68	50.68	NUM
fsr-3532	202	27	%	%	NOUN
fsr-3532	202	28	college	college	NOUN
fsr-3532	202	29	yes	yes	NOUN
fsr-3532	202	30	56.05	56.05	NUM
fsr-3532	202	31	%	%	NOUN
fsr-3532	202	32	51.23	51.23	NUM
fsr-3532	202	33	%	%	NOUN
fsr-3532	202	34	52.17	52.17	NUM
fsr-3532	202	35	%	%	NOUN
fsr-3532	202	36	no	no	DET
fsr-3532	202	37	43.95	43.95	NUM
fsr-3532	202	38	%	%	NOUN
fsr-3532	202	39	48.77	48.77	NUM
fsr-3532	202	40	%	%	NOUN
fsr-3532	202	41	47.83	47.83	NUM
fsr-3532	202	42	%	%	NOUN
fsr-3532	202	43	work	work	NOUN
fsr-3532	202	44	yes	yes	INTJ
fsr-3532	202	45	64.54	64.54	NUM
fsr-3532	202	46	%	%	NOUN
fsr-3532	202	47	53.77	53.77	NUM
fsr-3532	202	48	%	%	NOUN
fsr-3532	202	49	56.43	56.43	NUM
fsr-3532	202	50	%	%	NOUN
fsr-3532	202	51	no	no	DET
fsr-3532	202	52	35.46	35.46	NUM
fsr-3532	202	53	%	%	NOUN
fsr-3532	202	54	46.23	46.23	NUM
fsr-3532	202	55	%	%	NOUN
fsr-3532	202	56	43.57	43.57	NUM
fsr-3532	202	57	%	%	NOUN
fsr-3532	202	58	military	military	NOUN
fsr-3532	203	1	yes	yes	INTJ
fsr-3532	203	2	65.51	65.51	NUM
fsr-3532	203	3	%	%	NOUN
fsr-3532	203	4	58.55	58.55	NUM
fsr-3532	203	5	%	%	NOUN
fsr-3532	203	6	59.13	59.13	NUM
fsr-3532	203	7	%	%	NOUN
fsr-3532	203	8	no	no	DET
fsr-3532	203	9	34.49	34.49	NUM
fsr-3532	203	10	%	%	NOUN
fsr-3532	203	11	41.45	41.45	NUM
fsr-3532	203	12	%	%	NOUN
fsr-3532	203	13	40.87	40.87	NUM
fsr-3532	203	14	%	%	NOUN
fsr-3532	203	15	frequency	frequency	NOUN
fsr-3532	203	16	one	one	NUM
fsr-3532	203	17	time	time	NOUN
fsr-3532	203	18	yes	yes	INTJ
fsr-3532	203	19	45.04	45.04	NUM
fsr-3532	203	20	%	%	NOUN
fsr-3532	203	21	43.21	43.21	NUM
fsr-3532	203	22	%	%	NOUN
fsr-3532	203	23	41.15	41.15	NUM
fsr-3532	203	24	%	%	NOUN
fsr-3532	203	25	no	no	DET
fsr-3532	203	26	54.96	54.96	NUM
fsr-3532	203	27	%	%	NOUN
fsr-3532	203	28	56.79	56.79	NUM
fsr-3532	203	29	%	%	NOUN
fsr-3532	203	30	58.85	58.85	NUM
fsr-3532	203	31	%	%	NOUN
fsr-3532	203	32	two	two	NUM
fsr-3532	203	33	times	time	NOUN
fsr-3532	204	1	yes	yes	INTJ
fsr-3532	204	2	55.60	55.60	NUM
fsr-3532	204	3	%	%	NOUN
fsr-3532	204	4	52.08	52.08	NUM
fsr-3532	204	5	%	%	NOUN
fsr-3532	204	6	53.56	53.56	NUM
fsr-3532	204	7	%	%	NOUN
fsr-3532	204	8	no	no	DET
fsr-3532	204	9	44.40	44.40	NUM
fsr-3532	204	10	%	%	NOUN
fsr-3532	204	11	47.92	47.92	NUM
fsr-3532	204	12	%	%	NOUN
fsr-3532	204	13	46.44	46.44	NUM
fsr-3532	204	14	%	%	NOUN
fsr-3532	204	15	three	three	NUM
fsr-3532	204	16	times	time	NOUN
fsr-3532	205	1	yes	yes	INTJ
fsr-3532	205	2	67.69	67.69	NUM
fsr-3532	205	3	%	%	NOUN
fsr-3532	205	4	58.80	58.80	NUM
fsr-3532	205	5	%	%	NOUN
fsr-3532	205	6	58.97	58.97	NUM
fsr-3532	205	7	%	%	NOUN
fsr-3532	205	8	no	no	DET
fsr-3532	205	9	32.31	32.31	NUM
fsr-3532	205	10	%	%	NOUN
fsr-3532	205	11	41.20	41.20	NUM
fsr-3532	205	12	%	%	NOUN
fsr-3532	205	13	41.03	41.03	NUM
fsr-3532	205	14	%	%	NOUN
fsr-3532	205	15	four	four	NUM
fsr-3532	205	16	times	time	NOUN
fsr-3532	205	17	yes	yes	INTJ
fsr-3532	205	18	76.84	76.84	NUM
fsr-3532	205	19	%	%	NOUN
fsr-3532	205	20	66.32	66.32	NUM
fsr-3532	205	21	%	%	NOUN
fsr-3532	205	22	72.63	72.63	NUM
fsr-3532	205	23	%	%	NOUN
fsr-3532	206	1	no	no	DET
fsr-3532	206	2	23.16	23.16	NUM
fsr-3532	206	3	%	%	NOUN
fsr-3532	206	4	33.68	33.68	NUM
fsr-3532	206	5	%	%	NOUN
fsr-3532	206	6	27.37	27.37	NUM
fsr-3532	206	7	%	%	NOUN
fsr-3532	206	8	male	male	NOUN
fsr-3532	207	1	yes	yes	INTJ
fsr-3532	207	2	56.34	56.34	NUM
fsr-3532	207	3	%	%	NOUN
fsr-3532	207	4	50.16	50.16	NUM
fsr-3532	207	5	%	%	NOUN
fsr-3532	207	6	52.02	52.02	NUM
fsr-3532	207	7	%	%	NOUN
fsr-3532	207	8	no	no	PRON
fsr-3532	207	9	43.66	43.66	NUM
fsr-3532	207	10	%	%	NOUN
fsr-3532	207	11	49.84	49.84	NUM
fsr-3532	207	12	%	%	NOUN
fsr-3532	207	13	47.98	47.98	NUM
fsr-3532	207	14	%	%	NOUN
fsr-3532	207	15	age	age	NOUN
fsr-3532	207	16	acquisition	acquisition	NOUN
fsr-3532	207	17	(	(	PUNCT
fsr-3532	207	18	18	18	NUM
fsr-3532	207	19	-	-	SYM
fsr-3532	207	20	44	44	NUM
fsr-3532	207	21	)	)	PUNCT
fsr-3532	207	22	yes	yes	NOUN
fsr-3532	208	1	43.03	43.03	NUM
fsr-3532	208	2	%	%	NOUN
fsr-3532	208	3	58.36	58.36	NUM
fsr-3532	208	4	%	%	NOUN
fsr-3532	208	5	56.06	56.06	NUM
fsr-3532	208	6	%	%	NOUN
fsr-3532	208	7	no	no	DET
fsr-3532	208	8	56.97	56.97	NUM
fsr-3532	208	9	%	%	NOUN
fsr-3532	208	10	41.64	41.64	NUM
fsr-3532	208	11	%	%	NOUN
fsr-3532	208	12	43.94	43.94	NUM
fsr-3532	208	13	%	%	NOUN
fsr-3532	208	14	accumulation	accumulation	NOUN
fsr-3532	208	15	(	(	PUNCT
fsr-3532	208	16	45	45	NUM
fsr-3532	208	17	-	-	SYM
fsr-3532	208	18	64	64	NUM
fsr-3532	208	19	)	)	PUNCT
fsr-3532	208	20	yes	yes	NOUN
fsr-3532	208	21	56.49	56.49	NUM
fsr-3532	208	22	%	%	NOUN
fsr-3532	208	23	56.93	56.93	NUM
fsr-3532	208	24	%	%	NOUN
fsr-3532	208	25	57.30	57.30	NUM
fsr-3532	208	26	%	%	NOUN
fsr-3532	208	27	no	no	DET
fsr-3532	208	28	43.51	43.51	NUM
fsr-3532	208	29	%	%	NOUN
fsr-3532	208	30	43.07	43.07	NUM
fsr-3532	208	31	%	%	NOUN
fsr-3532	208	32	42.70	42.70	NUM
fsr-3532	208	33	%	%	NOUN
fsr-3532	208	34	distribution	distribution	NOUN
fsr-3532	208	35	(	(	PUNCT
fsr-3532	208	36	65	65	NUM
fsr-3532	208	37	+	+	NOUN
fsr-3532	208	38	)	)	PUNCT
fsr-3532	208	39	yes	yes	INTJ
fsr-3532	208	40	68.37	68.37	NUM
fsr-3532	208	41	%	%	NOUN
fsr-3532	208	42	16.90	16.90	NUM
fsr-3532	208	43	%	%	NOUN
fsr-3532	208	44	19.72	19.72	NUM
fsr-3532	208	45	%	%	NOUN
fsr-3532	208	46	no	no	DET
fsr-3532	208	47	31.63	31.63	NUM
fsr-3532	208	48	%	%	NOUN
fsr-3532	208	49	83.10	83.10	NUM
fsr-3532	208	50	%	%	NOUN
fsr-3532	208	51	80.28	80.28	NUM
fsr-3532	208	52	%	%	NOUN
fsr-3532	208	53	white	white	ADJ
fsr-3532	209	1	yes	yes	INTJ
fsr-3532	209	2	55.51	55.51	NUM
fsr-3532	209	3	%	%	NOUN
fsr-3532	209	4	48.07	48.07	NUM
fsr-3532	209	5	%	%	NOUN
fsr-3532	209	6	48.43	48.43	NUM
fsr-3532	209	7	%	%	NOUN
fsr-3532	209	8	no	no	DET
fsr-3532	209	9	44.49	44.49	NUM
fsr-3532	209	10	%	%	NOUN
fsr-3532	209	11	51.93	51.93	NUM
fsr-3532	209	12	%	%	NOUN
fsr-3532	209	13	51.57	51.57	NUM
fsr-3532	209	14	%	%	NOUN
fsr-3532	209	15	income	income	NOUN
fsr-3532	209	16	low	low	ADJ
fsr-3532	210	1	yes	yes	ADP
fsr-3532	210	2	21.77	21.77	NUM
fsr-3532	210	3	%	%	NOUN
fsr-3532	210	4	32.46	32.46	NUM
fsr-3532	210	5	%	%	NOUN
fsr-3532	210	6	17.66	17.66	NUM
fsr-3532	210	7	%	%	NOUN
fsr-3532	210	8	no	no	PRON
fsr-3532	210	9	78.23	78.23	NUM
fsr-3532	210	10	%	%	NOUN
fsr-3532	210	11	67.54	67.54	NUM
fsr-3532	210	12	%	%	NOUN
fsr-3532	210	13	82.34	82.34	NUM
fsr-3532	210	14	%	%	NOUN
fsr-3532	210	15	moderate	moderate	ADJ
fsr-3532	211	1	yes	yes	INTJ
fsr-3532	211	2	55.22	55.22	NUM
fsr-3532	211	3	%	%	NOUN
fsr-3532	211	4	48.42	48.42	NUM
fsr-3532	211	5	%	%	NOUN
fsr-3532	211	6	49.81	49.81	NUM
fsr-3532	211	7	%	%	NOUN
fsr-3532	212	1	no	no	PRON
fsr-3532	212	2	44.78	44.78	NUM
fsr-3532	212	3	%	%	NOUN
fsr-3532	212	4	51.58	51.58	NUM
fsr-3532	212	5	%	%	NOUN
fsr-3532	212	6	50.19	50.19	NUM
fsr-3532	212	7	%	%	NOUN
fsr-3532	212	8	high	high	ADJ
fsr-3532	213	1	yes	yes	INTJ
fsr-3532	213	2	71.99	71.99	NUM
fsr-3532	213	3	%	%	NOUN
fsr-3532	213	4	62.89	62.89	NUM
fsr-3532	213	5	%	%	NOUN
fsr-3532	213	6	70.21	70.21	NUM
fsr-3532	213	7	%	%	NOUN
fsr-3532	213	8	no	no	DET
fsr-3532	213	9	28.01	28.01	NUM
fsr-3532	213	10	%	%	NOUN
fsr-3532	213	11	37.11	37.11	NUM
fsr-3532	213	12	%	%	NOUN
fsr-3532	213	13	29.79	29.79	NUM
fsr-3532	213	14	%	%	NOUN
fsr-3532	213	15	(	(	PUNCT
fsr-3532	213	16	continued	continue	VERB
fsr-3532	213	17	on	on	ADP
fsr-3532	213	18	next	next	ADJ
fsr-3532	213	19	page	page	NOUN
fsr-3532	213	20	)	)	PUNCT
fsr-3532	213	21	160	160	NUM
fsr-3532	213	22	l.	l.	PROPN
fsr-3532	213	23	a.	a.	PROPN
fsr-3532	213	24	v.	v.	PROPN
fsr-3532	213	25	augustin	augustin	PROPN
fsr-3532	213	26	and	and	CCONJ
fsr-3532	213	27	t.	t.	PROPN
fsr-3532	213	28	k.	k.	PROPN
fsr-3532	213	29	martin	martin	PROPN
fsr-3532	213	30	/	/	SYM
fsr-3532	213	31	financial	financial	ADJ
fsr-3532	213	32	services	service	NOUN
fsr-3532	213	33	review	review	VERB
fsr-3532	213	34	31	31	NUM
fsr-3532	213	35	(	(	PUNCT
fsr-3532	213	36	2023	2023	NUM
fsr-3532	213	37	)	)	PUNCT
fsr-3532	213	38	151–167	151–167	NUM
fsr-3532	213	39	retirement	retirement	NOUN
fsr-3532	213	40	needs	need	NOUN
fsr-3532	213	41	and	and	CCONJ
fsr-3532	213	42	about	about	ADV
fsr-3532	213	43	50	50	NUM
fsr-3532	213	44	%	%	NOUN
fsr-3532	213	45	make	make	VERB
fsr-3532	213	46	regular	regular	ADJ
fsr-3532	213	47	contributions	contribution	NOUN
fsr-3532	213	48	to	to	ADP
fsr-3532	213	49	retirement	retirement	NOUN
fsr-3532	213	50	.	.	PUNCT
fsr-3532	214	1	respondents	respondent	NOUN
fsr-3532	214	2	who	who	PRON
fsr-3532	214	3	receive	receive	VERB
fsr-3532	214	4	financial	financial	ADJ
fsr-3532	214	5	education	education	NOUN
fsr-3532	214	6	in	in	ADP
fsr-3532	214	7	college	college	NOUN
fsr-3532	214	8	show	show	NOUN
fsr-3532	214	9	increased	increase	VERB
fsr-3532	214	10	participation	participation	NOUN
fsr-3532	214	11	in	in	ADP
fsr-3532	214	12	positive	positive	ADJ
fsr-3532	214	13	financial	financial	ADJ
fsr-3532	214	14	behaviors	behavior	NOUN
fsr-3532	214	15	.	.	PUNCT
fsr-3532	215	1	of	of	ADP
fsr-3532	215	2	the	the	DET
fsr-3532	215	3	respondents	respondent	NOUN
fsr-3532	215	4	who	who	PRON
fsr-3532	215	5	receive	receive	VERB
fsr-3532	215	6	financial	financial	ADJ
fsr-3532	215	7	education	education	NOUN
fsr-3532	215	8	in	in	ADP
fsr-3532	215	9	college	college	NOUN
fsr-3532	215	10	,	,	PUNCT
fsr-3532	215	11	about	about	ADV
fsr-3532	215	12	56	56	NUM
fsr-3532	215	13	%	%	NOUN
fsr-3532	215	14	own	own	VERB
fsr-3532	215	15	an	an	DET
fsr-3532	215	16	ira	ira	PROPN
fsr-3532	215	17	,	,	PUNCT
fsr-3532	215	18	about	about	ADV
fsr-3532	215	19	51	51	NUM
fsr-3532	215	20	%	%	NOUN
fsr-3532	215	21	have	have	AUX
fsr-3532	215	22	calculated	calculate	VERB
fsr-3532	215	23	retirement	retirement	NOUN
fsr-3532	215	24	needs	need	NOUN
fsr-3532	215	25	,	,	PUNCT
fsr-3532	215	26	and	and	CCONJ
fsr-3532	215	27	about	about	ADV
fsr-3532	215	28	52	52	NUM
fsr-3532	215	29	%	%	NOUN
fsr-3532	215	30	contribute	contribute	VERB
fsr-3532	215	31	regularly	regularly	ADV
fsr-3532	215	32	to	to	ADP
fsr-3532	215	33	retirement	retirement	NOUN
fsr-3532	215	34	.	.	PUNCT
fsr-3532	216	1	of	of	ADP
fsr-3532	216	2	the	the	DET
fsr-3532	216	3	respondents	respondent	NOUN
fsr-3532	216	4	who	who	PRON
fsr-3532	216	5	receive	receive	VERB
fsr-3532	216	6	financial	financial	ADJ
fsr-3532	216	7	education	education	NOUN
fsr-3532	216	8	at	at	ADP
fsr-3532	216	9	work	work	NOUN
fsr-3532	216	10	,	,	PUNCT
fsr-3532	216	11	about	about	ADV
fsr-3532	216	12	65	65	NUM
fsr-3532	216	13	%	%	NOUN
fsr-3532	216	14	own	own	VERB
fsr-3532	216	15	an	an	DET
fsr-3532	216	16	ira	ira	PROPN
fsr-3532	216	17	,	,	PUNCT
fsr-3532	216	18	about	about	ADV
fsr-3532	216	19	54	54	NUM
fsr-3532	216	20	%	%	NOUN
fsr-3532	216	21	have	have	AUX
fsr-3532	216	22	calculated	calculate	VERB
fsr-3532	216	23	retirement	retirement	NOUN
fsr-3532	216	24	needs	need	NOUN
fsr-3532	216	25	,	,	PUNCT
fsr-3532	216	26	and	and	CCONJ
fsr-3532	216	27	about	about	ADV
fsr-3532	216	28	53	53	NUM
fsr-3532	216	29	%	%	NOUN
fsr-3532	216	30	contribute	contribute	VERB
fsr-3532	216	31	regularly	regularly	ADV
fsr-3532	216	32	to	to	ADP
fsr-3532	216	33	retirement	retirement	NOUN
fsr-3532	216	34	.	.	PUNCT
fsr-3532	217	1	when	when	SCONJ
fsr-3532	217	2	we	we	PRON
fsr-3532	217	3	examine	examine	VERB
fsr-3532	217	4	the	the	DET
fsr-3532	217	5	frequency	frequency	NOUN
fsr-3532	217	6	of	of	ADP
fsr-3532	217	7	financial	financial	ADJ
fsr-3532	217	8	education	education	NOUN
fsr-3532	217	9	,	,	PUNCT
fsr-3532	217	10	we	we	PRON
fsr-3532	217	11	note	note	VERB
fsr-3532	217	12	an	an	DET
fsr-3532	217	13	increasing	increase	VERB
fsr-3532	217	14	trend	trend	NOUN
fsr-3532	217	15	as	as	ADV
fsr-3532	217	16	well	well	ADV
fsr-3532	217	17	.	.	PUNCT
fsr-3532	218	1	among	among	ADP
fsr-3532	218	2	respondents	respondent	NOUN
fsr-3532	218	3	who	who	PRON
fsr-3532	218	4	received	receive	VERB
fsr-3532	218	5	financial	financial	ADJ
fsr-3532	218	6	education	education	NOUN
fsr-3532	218	7	one	one	NUM
fsr-3532	218	8	time	time	NOUN
fsr-3532	218	9	,	,	PUNCT
fsr-3532	218	10	about	about	ADV
fsr-3532	218	11	45	45	NUM
fsr-3532	218	12	%	%	NOUN
fsr-3532	218	13	own	own	ADJ
fsr-3532	218	14	an	an	DET
fsr-3532	218	15	ira	ira	PROPN
fsr-3532	218	16	,	,	PUNCT
fsr-3532	218	17	about	about	ADV
fsr-3532	218	18	43	43	NUM
fsr-3532	218	19	%	%	NOUN
fsr-3532	218	20	have	have	AUX
fsr-3532	218	21	calculated	calculate	VERB
fsr-3532	218	22	retirement	retirement	NOUN
fsr-3532	218	23	needs	need	NOUN
fsr-3532	218	24	,	,	PUNCT
fsr-3532	218	25	and	and	CCONJ
fsr-3532	218	26	about	about	ADV
fsr-3532	218	27	41	41	NUM
fsr-3532	218	28	%	%	NOUN
fsr-3532	218	29	make	make	VERB
fsr-3532	218	30	regular	regular	ADJ
fsr-3532	218	31	contributions	contribution	NOUN
fsr-3532	218	32	to	to	ADP
fsr-3532	218	33	retirement	retirement	NOUN
fsr-3532	218	34	.	.	PUNCT
fsr-3532	219	1	among	among	ADP
fsr-3532	219	2	respondents	respondent	NOUN
fsr-3532	219	3	who	who	PRON
fsr-3532	219	4	receive	receive	VERB
fsr-3532	219	5	financial	financial	ADJ
fsr-3532	219	6	education	education	NOUN
fsr-3532	219	7	two	two	NUM
fsr-3532	219	8	times	time	NOUN
fsr-3532	219	9	we	we	PRON
fsr-3532	219	10	note	note	VERB
fsr-3532	219	11	that	that	SCONJ
fsr-3532	219	12	about	about	ADV
fsr-3532	219	13	56	56	NUM
fsr-3532	219	14	%	%	NOUN
fsr-3532	219	15	own	own	ADJ
fsr-3532	219	16	an	an	DET
fsr-3532	219	17	ira	ira	PROPN
fsr-3532	219	18	,	,	PUNCT
fsr-3532	219	19	about	about	ADV
fsr-3532	219	20	52	52	NUM
fsr-3532	219	21	%	%	NOUN
fsr-3532	219	22	have	have	AUX
fsr-3532	219	23	calculated	calculate	VERB
fsr-3532	219	24	retirement	retirement	NOUN
fsr-3532	219	25	needs	need	NOUN
fsr-3532	219	26	,	,	PUNCT
fsr-3532	219	27	and	and	CCONJ
fsr-3532	219	28	about	about	ADV
fsr-3532	219	29	54	54	NUM
fsr-3532	219	30	%	%	NOUN
fsr-3532	219	31	make	make	VERB
fsr-3532	219	32	regular	regular	ADJ
fsr-3532	219	33	contributions	contribution	NOUN
fsr-3532	219	34	to	to	ADP
fsr-3532	219	35	retirement	retirement	NOUN
fsr-3532	219	36	.	.	PUNCT
fsr-3532	220	1	of	of	ADP
fsr-3532	220	2	the	the	DET
fsr-3532	220	3	respondents	respondent	NOUN
fsr-3532	220	4	who	who	PRON
fsr-3532	220	5	receive	receive	VERB
fsr-3532	220	6	financial	financial	ADJ
fsr-3532	220	7	education	education	NOUN
fsr-3532	220	8	three	three	NUM
fsr-3532	220	9	times	time	NOUN
fsr-3532	220	10	about	about	ADV
fsr-3532	220	11	68	68	NUM
fsr-3532	220	12	%	%	NOUN
fsr-3532	220	13	own	own	ADJ
fsr-3532	220	14	an	an	DET
fsr-3532	220	15	ira	ira	PROPN
fsr-3532	220	16	,	,	PUNCT
fsr-3532	220	17	about	about	ADV
fsr-3532	220	18	54	54	NUM
fsr-3532	220	19	%	%	NOUN
fsr-3532	220	20	have	have	AUX
fsr-3532	220	21	calculated	calculate	VERB
fsr-3532	220	22	retirement	retirement	NOUN
fsr-3532	220	23	needs	need	NOUN
fsr-3532	220	24	and	and	CCONJ
fsr-3532	220	25	about	about	ADV
fsr-3532	220	26	59	59	NUM
fsr-3532	220	27	%	%	NOUN
fsr-3532	220	28	contribute	contribute	NOUN
fsr-3532	220	29	regularly	regularly	ADV
fsr-3532	220	30	to	to	ADP
fsr-3532	220	31	retirement	retirement	NOUN
fsr-3532	220	32	.	.	PUNCT
fsr-3532	221	1	of	of	ADP
fsr-3532	221	2	the	the	DET
fsr-3532	221	3	respondents	respondent	NOUN
fsr-3532	221	4	who	who	PRON
fsr-3532	221	5	receive	receive	VERB
fsr-3532	221	6	financial	financial	ADJ
fsr-3532	221	7	table	table	NOUN
fsr-3532	221	8	2	2	NUM
fsr-3532	221	9	(	(	PUNCT
fsr-3532	221	10	continued	continued	ADJ
fsr-3532	221	11	)	)	PUNCT
fsr-3532	221	12	variable	variable	ADJ
fsr-3532	221	13	own	own	ADJ
fsr-3532	221	14	ira	ira	PROPN
fsr-3532	221	15	calculate	calculate	NOUN
fsr-3532	221	16	retirement	retirement	NOUN
fsr-3532	221	17	needs	need	NOUN
fsr-3532	221	18	contribute	contribute	VERB
fsr-3532	221	19	regularly	regularly	ADV
fsr-3532	221	20	to	to	ADP
fsr-3532	221	21	retirement	retirement	NOUN
fsr-3532	221	22	degree	degree	NOUN
fsr-3532	221	23	(	(	PUNCT
fsr-3532	221	24	no	no	DET
fsr-3532	221	25	degree	degree	NOUN
fsr-3532	221	26	)	)	PUNCT
fsr-3532	222	1	yes	yes	INTJ
fsr-3532	222	2	59.87	59.87	NUM
fsr-3532	222	3	%	%	NOUN
fsr-3532	222	4	53.50	53.50	NUM
fsr-3532	222	5	%	%	NOUN
fsr-3532	222	6	55.76	55.76	NUM
fsr-3532	222	7	%	%	NOUN
fsr-3532	222	8	no	no	DET
fsr-3532	222	9	40.13	40.13	NUM
fsr-3532	222	10	%	%	NOUN
fsr-3532	222	11	46.50	46.50	NUM
fsr-3532	222	12	%	%	NOUN
fsr-3532	222	13	44.24	44.24	NUM
fsr-3532	222	14	%	%	NOUN
fsr-3532	222	15	married	married	ADJ
fsr-3532	222	16	(	(	PUNCT
fsr-3532	222	17	not	not	PART
fsr-3532	222	18	married	married	ADJ
fsr-3532	222	19	)	)	PUNCT
fsr-3532	223	1	yes	yes	INTJ
fsr-3532	223	2	61.84	61.84	NUM
fsr-3532	223	3	%	%	NOUN
fsr-3532	223	4	53.58	53.58	NUM
fsr-3532	223	5	%	%	NOUN
fsr-3532	223	6	57.63	57.63	NUM
fsr-3532	223	7	%	%	NOUN
fsr-3532	224	1	no	no	DET
fsr-3532	224	2	38.16	38.16	NUM
fsr-3532	224	3	%	%	NOUN
fsr-3532	224	4	46.42	46.42	NUM
fsr-3532	224	5	%	%	NOUN
fsr-3532	224	6	42.37	42.37	NUM
fsr-3532	224	7	%	%	NOUN
fsr-3532	224	8	employment	employment	NOUN
fsr-3532	224	9	working	work	VERB
fsr-3532	224	10	yes	yes	ADP
fsr-3532	224	11	54.10	54.10	NUM
fsr-3532	224	12	%	%	NOUN
fsr-3532	224	13	68.94	68.94	NUM
fsr-3532	224	14	%	%	NOUN
fsr-3532	224	15	66.19	66.19	NUM
fsr-3532	224	16	%	%	NOUN
fsr-3532	224	17	no	no	DET
fsr-3532	224	18	45.90	45.90	NUM
fsr-3532	224	19	%	%	NOUN
fsr-3532	224	20	31.06	31.06	NUM
fsr-3532	224	21	%	%	NOUN
fsr-3532	224	22	33.81	33.81	NUM
fsr-3532	224	23	%	%	NOUN
fsr-3532	224	24	not	not	PART
fsr-3532	224	25	working	work	VERB
fsr-3532	224	26	yes	yes	NOUN
fsr-3532	224	27	31.77	31.77	NUM
fsr-3532	224	28	%	%	NOUN
fsr-3532	224	29	42.79	42.79	NUM
fsr-3532	224	30	%	%	NOUN
fsr-3532	224	31	29.34	29.34	NUM
fsr-3532	224	32	%	%	NOUN
fsr-3532	224	33	no	no	DET
fsr-3532	224	34	68.23	68.23	NUM
fsr-3532	224	35	%	%	NOUN
fsr-3532	224	36	57.21	57.21	NUM
fsr-3532	224	37	%	%	NOUN
fsr-3532	224	38	70.66	70.66	NUM
fsr-3532	224	39	%	%	NOUN
fsr-3532	224	40	retired	retire	VERB
fsr-3532	224	41	yes	yes	NOUN
fsr-3532	224	42	65.84	65.84	NUM
fsr-3532	224	43	%	%	NOUN
fsr-3532	224	44	16.08	16.08	NUM
fsr-3532	224	45	%	%	NOUN
fsr-3532	224	46	no	no	PRON
fsr-3532	224	47	34.16	34.16	NUM
fsr-3532	224	48	%	%	NOUN
fsr-3532	224	49	100.00	100.00	NUM
fsr-3532	224	50	%	%	NOUN
fsr-3532	224	51	83.92	83.92	NUM
fsr-3532	224	52	%	%	NOUN
fsr-3532	224	53	children	child	NOUN
fsr-3532	224	54	(	(	PUNCT
fsr-3532	224	55	no	no	DET
fsr-3532	224	56	children	child	NOUN
fsr-3532	224	57	)	)	PUNCT
fsr-3532	224	58	yes	yes	NOUN
fsr-3532	225	1	58.11	58.11	NUM
fsr-3532	225	2	%	%	NOUN
fsr-3532	225	3	51.54	51.54	NUM
fsr-3532	225	4	%	%	NOUN
fsr-3532	225	5	52.74	52.74	NUM
fsr-3532	225	6	%	%	NOUN
fsr-3532	225	7	no	no	DET
fsr-3532	225	8	41.89	41.89	NUM
fsr-3532	225	9	%	%	NOUN
fsr-3532	225	10	48.46	48.46	NUM
fsr-3532	225	11	%	%	NOUN
fsr-3532	225	12	47.26	47.26	NUM
fsr-3532	225	13	%	%	NOUN
fsr-3532	225	14	risk	risk	NOUN
fsr-3532	225	15	tolerance	tolerance	NOUN
fsr-3532	225	16	low	low	ADJ
fsr-3532	225	17	yes	yes	INTJ
fsr-3532	225	18	37.41	37.41	NUM
fsr-3532	225	19	%	%	NOUN
fsr-3532	225	20	31.83	31.83	NUM
fsr-3532	225	21	%	%	NOUN
fsr-3532	225	22	28.80	28.80	NUM
fsr-3532	225	23	%	%	NOUN
fsr-3532	225	24	no	no	DET
fsr-3532	225	25	62.59	62.59	NUM
fsr-3532	225	26	%	%	NOUN
fsr-3532	225	27	68.17	68.17	NUM
fsr-3532	225	28	%	%	NOUN
fsr-3532	225	29	71.20	71.20	NUM
fsr-3532	225	30	%	%	NOUN
fsr-3532	225	31	moderate	moderate	ADJ
fsr-3532	226	1	yes	yes	NOUN
fsr-3532	226	2	57.79	57.79	NUM
fsr-3532	226	3	%	%	NOUN
fsr-3532	226	4	53.28	53.28	NUM
fsr-3532	226	5	%	%	NOUN
fsr-3532	226	6	53.42	53.42	NUM
fsr-3532	226	7	%	%	NOUN
fsr-3532	226	8	no	no	DET
fsr-3532	226	9	42.21	42.21	NUM
fsr-3532	226	10	%	%	NOUN
fsr-3532	226	11	46.72	46.72	NUM
fsr-3532	226	12	%	%	NOUN
fsr-3532	226	13	46.58	46.58	NUM
fsr-3532	226	14	%	%	NOUN
fsr-3532	226	15	high	high	ADJ
fsr-3532	227	1	yes	yes	INTJ
fsr-3532	227	2	62.75	62.75	NUM
fsr-3532	227	3	%	%	NOUN
fsr-3532	227	4	64.77	64.77	NUM
fsr-3532	227	5	%	%	NOUN
fsr-3532	227	6	67.62	67.62	NUM
fsr-3532	227	7	%	%	NOUN
fsr-3532	227	8	no	no	DET
fsr-3532	227	9	37.25	37.25	NUM
fsr-3532	227	10	%	%	NOUN
fsr-3532	227	11	35.23	35.23	NUM
fsr-3532	227	12	%	%	NOUN
fsr-3532	227	13	32.38	32.38	NUM
fsr-3532	227	14	%	%	NOUN
fsr-3532	227	15	financially	financially	ADV
fsr-3532	227	16	literate	literate	ADJ
fsr-3532	228	1	yes	yes	INTJ
fsr-3532	228	2	56.40	56.40	NUM
fsr-3532	228	3	%	%	NOUN
fsr-3532	228	4	47.38	47.38	NUM
fsr-3532	228	5	%	%	NOUN
fsr-3532	228	6	48.46	48.46	NUM
fsr-3532	228	7	%	%	NOUN
fsr-3532	228	8	no	no	DET
fsr-3532	228	9	43.60	43.60	NUM
fsr-3532	228	10	%	%	NOUN
fsr-3532	228	11	52.62	52.62	NUM
fsr-3532	228	12	%	%	NOUN
fsr-3532	228	13	51.54	51.54	NUM
fsr-3532	228	14	%	%	NOUN
fsr-3532	228	15	l.	l.	PROPN
fsr-3532	228	16	a.	a.	PROPN
fsr-3532	228	17	v.	v.	PROPN
fsr-3532	228	18	augustin	augustin	PROPN
fsr-3532	228	19	and	and	CCONJ
fsr-3532	228	20	t.	t.	PROPN
fsr-3532	228	21	k.	k.	PROPN
fsr-3532	228	22	martin	martin	PROPN
fsr-3532	228	23	/	/	SYM
fsr-3532	228	24	financial	financial	ADJ
fsr-3532	228	25	services	service	NOUN
fsr-3532	228	26	review	review	VERB
fsr-3532	228	27	31	31	NUM
fsr-3532	228	28	(	(	PUNCT
fsr-3532	228	29	2023	2023	NUM
fsr-3532	228	30	)	)	PUNCT
fsr-3532	228	31	151–167	151–167	NUM
fsr-3532	228	32	161	161	NUM
fsr-3532	228	33	education	education	NOUN
fsr-3532	228	34	four	four	NUM
fsr-3532	228	35	times	time	NOUN
fsr-3532	228	36	,	,	PUNCT
fsr-3532	228	37	about	about	ADV
fsr-3532	228	38	77	77	NUM
fsr-3532	228	39	%	%	NOUN
fsr-3532	228	40	own	own	VERB
fsr-3532	228	41	an	an	DET
fsr-3532	228	42	ira	ira	PROPN
fsr-3532	228	43	,	,	PUNCT
fsr-3532	228	44	about	about	ADV
fsr-3532	228	45	66	66	NUM
fsr-3532	228	46	%	%	NOUN
fsr-3532	228	47	have	have	AUX
fsr-3532	228	48	calculated	calculate	VERB
fsr-3532	228	49	retirement	retirement	NOUN
fsr-3532	228	50	needs	need	NOUN
fsr-3532	228	51	,	,	PUNCT
fsr-3532	228	52	and	and	CCONJ
fsr-3532	228	53	about	about	ADV
fsr-3532	228	54	73	73	NUM
fsr-3532	228	55	%	%	NOUN
fsr-3532	228	56	contribute	contribute	VERB
fsr-3532	228	57	regularly	regularly	ADV
fsr-3532	228	58	to	to	ADP
fsr-3532	228	59	retirement	retirement	NOUN
fsr-3532	228	60	.	.	PUNCT
fsr-3532	229	1	about	about	ADV
fsr-3532	229	2	56	56	NUM
fsr-3532	229	3	%	%	NOUN
fsr-3532	229	4	of	of	ADP
fsr-3532	229	5	males	male	NOUN
fsr-3532	229	6	own	own	VERB
fsr-3532	229	7	an	an	DET
fsr-3532	229	8	ira	ira	PROPN
fsr-3532	229	9	,	,	PUNCT
fsr-3532	229	10	about	about	ADV
fsr-3532	229	11	50	50	NUM
fsr-3532	229	12	%	%	NOUN
fsr-3532	229	13	have	have	AUX
fsr-3532	229	14	calculated	calculate	VERB
fsr-3532	229	15	retirement	retirement	NOUN
fsr-3532	229	16	needs	need	NOUN
fsr-3532	229	17	,	,	PUNCT
fsr-3532	229	18	and	and	CCONJ
fsr-3532	229	19	about	about	ADV
fsr-3532	229	20	52	52	NUM
fsr-3532	229	21	%	%	NOUN
fsr-3532	229	22	make	make	VERB
fsr-3532	229	23	regular	regular	ADJ
fsr-3532	229	24	contributions	contribution	NOUN
fsr-3532	229	25	to	to	ADP
fsr-3532	229	26	retirement	retirement	NOUN
fsr-3532	229	27	.	.	PUNCT
fsr-3532	230	1	during	during	ADP
fsr-3532	230	2	the	the	DET
fsr-3532	230	3	acquisition	acquisition	NOUN
fsr-3532	230	4	stage	stage	NOUN
fsr-3532	230	5	about	about	ADV
fsr-3532	230	6	43	43	NUM
fsr-3532	230	7	%	%	NOUN
fsr-3532	230	8	of	of	ADP
fsr-3532	230	9	respondents	respondent	NOUN
fsr-3532	230	10	own	own	VERB
fsr-3532	230	11	an	an	DET
fsr-3532	230	12	ira	ira	PROPN
fsr-3532	230	13	,	,	PUNCT
fsr-3532	230	14	about	about	ADV
fsr-3532	230	15	58	58	NUM
fsr-3532	230	16	%	%	NOUN
fsr-3532	230	17	have	have	AUX
fsr-3532	230	18	calculated	calculate	VERB
fsr-3532	230	19	retirement	retirement	NOUN
fsr-3532	230	20	needs	need	NOUN
fsr-3532	230	21	,	,	PUNCT
fsr-3532	230	22	and	and	CCONJ
fsr-3532	230	23	about	about	ADV
fsr-3532	230	24	56	56	NUM
fsr-3532	230	25	%	%	NOUN
fsr-3532	230	26	make	make	VERB
fsr-3532	230	27	regular	regular	ADJ
fsr-3532	230	28	contributions	contribution	NOUN
fsr-3532	230	29	to	to	ADP
fsr-3532	230	30	retirement	retirement	NOUN
fsr-3532	230	31	.	.	PUNCT
fsr-3532	231	1	during	during	ADP
fsr-3532	231	2	the	the	DET
fsr-3532	231	3	asset	asset	NOUN
fsr-3532	231	4	accumulation	accumulation	NOUN
fsr-3532	231	5	stage	stage	NOUN
fsr-3532	231	6	,	,	PUNCT
fsr-3532	231	7	we	we	PRON
fsr-3532	231	8	see	see	VERB
fsr-3532	231	9	an	an	DET
fsr-3532	231	10	increase	increase	NOUN
fsr-3532	231	11	in	in	ADP
fsr-3532	231	12	the	the	DET
fsr-3532	231	13	proportions	proportion	NOUN
fsr-3532	231	14	who	who	PRON
fsr-3532	231	15	own	own	VERB
fsr-3532	231	16	an	an	DET
fsr-3532	231	17	ira	ira	PROPN
fsr-3532	231	18	and	and	CCONJ
fsr-3532	231	19	make	make	VERB
fsr-3532	231	20	regular	regular	ADJ
fsr-3532	231	21	contributions	contribution	NOUN
fsr-3532	231	22	to	to	ADP
fsr-3532	231	23	retirement	retirement	NOUN
fsr-3532	231	24	,	,	PUNCT
fsr-3532	231	25	but	but	CCONJ
fsr-3532	231	26	note	note	VERB
fsr-3532	231	27	a	a	DET
fsr-3532	231	28	decrease	decrease	NOUN
fsr-3532	231	29	in	in	ADP
fsr-3532	231	30	the	the	DET
fsr-3532	231	31	proportion	proportion	NOUN
fsr-3532	231	32	who	who	PRON
fsr-3532	231	33	have	have	AUX
fsr-3532	231	34	calculated	calculate	VERB
fsr-3532	231	35	retirement	retirement	NOUN
fsr-3532	231	36	needs	need	NOUN
fsr-3532	231	37	.	.	PUNCT
fsr-3532	232	1	during	during	ADP
fsr-3532	232	2	the	the	DET
fsr-3532	232	3	distribution	distribution	NOUN
fsr-3532	232	4	phase	phase	NOUN
fsr-3532	232	5	about	about	ADV
fsr-3532	232	6	68	68	NUM
fsr-3532	232	7	%	%	NOUN
fsr-3532	232	8	own	own	ADJ
fsr-3532	232	9	an	an	DET
fsr-3532	232	10	ira	ira	PROPN
fsr-3532	232	11	,	,	PUNCT
fsr-3532	232	12	about	about	ADV
fsr-3532	232	13	17	17	NUM
fsr-3532	232	14	%	%	NOUN
fsr-3532	232	15	have	have	AUX
fsr-3532	232	16	calculated	calculate	VERB
fsr-3532	232	17	retirement	retirement	NOUN
fsr-3532	232	18	needs	need	NOUN
fsr-3532	232	19	,	,	PUNCT
fsr-3532	232	20	and	and	CCONJ
fsr-3532	232	21	about	about	ADV
fsr-3532	232	22	20	20	NUM
fsr-3532	232	23	%	%	NOUN
fsr-3532	232	24	contribute	contribute	VERB
fsr-3532	232	25	regularly	regularly	ADV
fsr-3532	232	26	to	to	ADP
fsr-3532	232	27	retirement	retirement	NOUN
fsr-3532	232	28	.	.	PUNCT
fsr-3532	233	1	the	the	DET
fsr-3532	233	2	drop	drop	NOUN
fsr-3532	233	3	in	in	ADP
fsr-3532	233	4	retirement	retirement	NOUN
fsr-3532	233	5	needs	need	NOUN
fsr-3532	233	6	and	and	CCONJ
fsr-3532	233	7	contribution	contribution	NOUN
fsr-3532	233	8	levels	level	NOUN
fsr-3532	233	9	are	be	AUX
fsr-3532	233	10	consistent	consistent	ADJ
fsr-3532	233	11	with	with	ADP
fsr-3532	233	12	life	life	NOUN
fsr-3532	233	13	cycle	cycle	NOUN
fsr-3532	233	14	theory	theory	NOUN
fsr-3532	233	15	.	.	PUNCT
fsr-3532	234	1	at	at	ADP
fsr-3532	234	2	this	this	DET
fsr-3532	234	3	life	life	NOUN
fsr-3532	234	4	stage	stage	NOUN
fsr-3532	234	5	individuals	individual	NOUN
fsr-3532	234	6	would	would	AUX
fsr-3532	234	7	be	be	AUX
fsr-3532	234	8	focused	focus	VERB
fsr-3532	234	9	on	on	ADP
fsr-3532	234	10	asset	asset	NOUN
fsr-3532	234	11	decumulation	decumulation	NOUN
fsr-3532	234	12	and	and	CCONJ
fsr-3532	234	13	not	not	PART
fsr-3532	234	14	accumulation	accumulation	NOUN
fsr-3532	234	15	.	.	PUNCT
fsr-3532	235	1	we	we	PRON
fsr-3532	235	2	note	note	VERB
fsr-3532	235	3	an	an	DET
fsr-3532	235	4	increase	increase	NOUN
fsr-3532	235	5	in	in	ADP
fsr-3532	235	6	the	the	DET
fsr-3532	235	7	proportions	proportion	NOUN
fsr-3532	235	8	of	of	ADP
fsr-3532	235	9	respondents	respondent	NOUN
fsr-3532	235	10	who	who	PRON
fsr-3532	235	11	report	report	VERB
fsr-3532	235	12	all	all	DET
fsr-3532	235	13	three	three	NUM
fsr-3532	235	14	positive	positive	ADJ
fsr-3532	235	15	behaviors	behavior	NOUN
fsr-3532	235	16	as	as	ADP
fsr-3532	235	17	income	income	NOUN
fsr-3532	235	18	increases	increase	NOUN
fsr-3532	235	19	.	.	PUNCT
fsr-3532	236	1	about	about	ADV
fsr-3532	236	2	22	22	NUM
fsr-3532	236	3	%	%	NOUN
fsr-3532	236	4	of	of	ADP
fsr-3532	236	5	low	low	ADJ
fsr-3532	236	6	-	-	PUNCT
fsr-3532	236	7	income	income	NOUN
fsr-3532	236	8	individuals	individual	NOUN
fsr-3532	236	9	own	own	VERB
fsr-3532	236	10	an	an	DET
fsr-3532	236	11	ira	ira	PROPN
fsr-3532	236	12	,	,	PUNCT
fsr-3532	236	13	compared	compare	VERB
fsr-3532	236	14	to	to	ADP
fsr-3532	236	15	about	about	ADP
fsr-3532	236	16	55	55	NUM
fsr-3532	236	17	%	%	NOUN
fsr-3532	236	18	with	with	ADP
fsr-3532	236	19	moderate	moderate	ADJ
fsr-3532	236	20	income	income	NOUN
fsr-3532	236	21	,	,	PUNCT
fsr-3532	236	22	and	and	CCONJ
fsr-3532	236	23	about	about	ADV
fsr-3532	236	24	72	72	NUM
fsr-3532	236	25	%	%	NOUN
fsr-3532	236	26	with	with	ADP
fsr-3532	236	27	high	high	ADJ
fsr-3532	236	28	income	income	NOUN
fsr-3532	236	29	.	.	PUNCT
fsr-3532	237	1	about	about	ADV
fsr-3532	237	2	32	32	NUM
fsr-3532	237	3	%	%	NOUN
fsr-3532	237	4	of	of	ADP
fsr-3532	237	5	individuals	individual	NOUN
fsr-3532	237	6	with	with	ADP
fsr-3532	237	7	low	low	ADJ
fsr-3532	237	8	income	income	NOUN
fsr-3532	237	9	have	have	AUX
fsr-3532	237	10	calculated	calculate	VERB
fsr-3532	237	11	retirement	retirement	NOUN
fsr-3532	237	12	needs	need	NOUN
fsr-3532	237	13	,	,	PUNCT
fsr-3532	237	14	compared	compare	VERB
fsr-3532	237	15	to	to	ADP
fsr-3532	237	16	about	about	ADP
fsr-3532	237	17	48	48	NUM
fsr-3532	237	18	%	%	NOUN
fsr-3532	237	19	with	with	ADP
fsr-3532	237	20	moderate	moderate	ADJ
fsr-3532	237	21	income	income	NOUN
fsr-3532	237	22	,	,	PUNCT
fsr-3532	237	23	and	and	CCONJ
fsr-3532	237	24	about	about	ADP
fsr-3532	237	25	63	63	NUM
fsr-3532	237	26	%	%	NOUN
fsr-3532	237	27	with	with	ADP
fsr-3532	237	28	high	high	ADJ
fsr-3532	237	29	income	income	NOUN
fsr-3532	237	30	.	.	PUNCT
fsr-3532	238	1	about	about	ADV
fsr-3532	238	2	18	18	NUM
fsr-3532	238	3	%	%	NOUN
fsr-3532	238	4	of	of	ADP
fsr-3532	238	5	individuals	individual	NOUN
fsr-3532	238	6	with	with	ADP
fsr-3532	238	7	low	low	ADJ
fsr-3532	238	8	income	income	NOUN
fsr-3532	238	9	contribute	contribute	VERB
fsr-3532	238	10	regularly	regularly	ADV
fsr-3532	238	11	to	to	ADP
fsr-3532	238	12	retirement	retirement	NOUN
fsr-3532	238	13	,	,	PUNCT
fsr-3532	238	14	compared	compare	VERB
fsr-3532	238	15	to	to	ADP
fsr-3532	238	16	about	about	ADP
fsr-3532	238	17	50	50	NUM
fsr-3532	238	18	%	%	NOUN
fsr-3532	238	19	with	with	ADP
fsr-3532	238	20	moderate	moderate	ADJ
fsr-3532	238	21	income	income	NOUN
fsr-3532	238	22	and	and	CCONJ
fsr-3532	238	23	about	about	ADP
fsr-3532	238	24	70	70	NUM
fsr-3532	238	25	%	%	NOUN
fsr-3532	238	26	with	with	ADP
fsr-3532	238	27	high	high	ADJ
fsr-3532	238	28	income	income	NOUN
fsr-3532	238	29	.	.	PUNCT
fsr-3532	239	1	about	about	ADV
fsr-3532	239	2	60	60	NUM
fsr-3532	239	3	%	%	NOUN
fsr-3532	239	4	of	of	ADP
fsr-3532	239	5	individuals	individual	NOUN
fsr-3532	239	6	with	with	ADP
fsr-3532	239	7	a	a	DET
fsr-3532	239	8	college	college	NOUN
fsr-3532	239	9	degree	degree	NOUN
fsr-3532	239	10	own	own	VERB
fsr-3532	239	11	an	an	DET
fsr-3532	239	12	ira	ira	PROPN
fsr-3532	239	13	,	,	PUNCT
fsr-3532	239	14	about	about	ADV
fsr-3532	239	15	54	54	NUM
fsr-3532	239	16	%	%	NOUN
fsr-3532	239	17	have	have	AUX
fsr-3532	239	18	calculated	calculate	VERB
fsr-3532	239	19	retirement	retirement	NOUN
fsr-3532	239	20	needs	need	NOUN
fsr-3532	239	21	,	,	PUNCT
fsr-3532	239	22	and	and	CCONJ
fsr-3532	239	23	about	about	ADV
fsr-3532	239	24	56	56	NUM
fsr-3532	239	25	%	%	NOUN
fsr-3532	239	26	contribute	contribute	NOUN
fsr-3532	239	27	regularly	regularly	ADV
fsr-3532	239	28	to	to	ADP
fsr-3532	239	29	retirement	retirement	NOUN
fsr-3532	239	30	.	.	PUNCT
fsr-3532	240	1	we	we	PRON
fsr-3532	240	2	also	also	ADV
fsr-3532	240	3	note	note	VERB
fsr-3532	240	4	that	that	SCONJ
fsr-3532	240	5	larger	large	ADJ
fsr-3532	240	6	proportions	proportion	NOUN
fsr-3532	240	7	of	of	ADP
fsr-3532	240	8	working	work	VERB
fsr-3532	240	9	respondents	respondent	NOUN
fsr-3532	240	10	engage	engage	VERB
fsr-3532	240	11	in	in	ADP
fsr-3532	240	12	the	the	DET
fsr-3532	240	13	three	three	NUM
fsr-3532	240	14	behaviors	behavior	NOUN
fsr-3532	240	15	,	,	PUNCT
fsr-3532	240	16	compared	compare	VERB
fsr-3532	240	17	to	to	ADP
fsr-3532	240	18	those	those	PRON
fsr-3532	240	19	who	who	PRON
fsr-3532	240	20	are	be	AUX
fsr-3532	240	21	not	not	PART
fsr-3532	240	22	working	work	VERB
fsr-3532	240	23	or	or	CCONJ
fsr-3532	240	24	retired	retire	VERB
fsr-3532	240	25	.	.	PUNCT
fsr-3532	241	1	about	about	ADV
fsr-3532	241	2	54	54	NUM
fsr-3532	241	3	%	%	NOUN
fsr-3532	241	4	of	of	ADP
fsr-3532	241	5	working	working	NOUN
fsr-3532	241	6	individuals	individual	NOUN
fsr-3532	241	7	own	own	VERB
fsr-3532	241	8	an	an	DET
fsr-3532	241	9	ira	ira	PROPN
fsr-3532	241	10	,	,	PUNCT
fsr-3532	241	11	compared	compare	VERB
fsr-3532	241	12	to	to	ADP
fsr-3532	241	13	about	about	ADP
fsr-3532	241	14	32	32	NUM
fsr-3532	241	15	%	%	NOUN
fsr-3532	241	16	who	who	PRON
fsr-3532	241	17	are	be	AUX
fsr-3532	241	18	not	not	PART
fsr-3532	241	19	working	work	VERB
fsr-3532	241	20	,	,	PUNCT
fsr-3532	241	21	and	and	CCONJ
fsr-3532	241	22	about	about	ADV
fsr-3532	241	23	66	66	NUM
fsr-3532	241	24	%	%	NOUN
fsr-3532	241	25	of	of	ADP
fsr-3532	241	26	the	the	DET
fsr-3532	241	27	retired	retire	VERB
fsr-3532	241	28	population	population	NOUN
fsr-3532	241	29	.	.	PUNCT
fsr-3532	242	1	about	about	ADV
fsr-3532	242	2	69	69	NUM
fsr-3532	242	3	%	%	NOUN
fsr-3532	242	4	of	of	ADP
fsr-3532	242	5	the	the	DET
fsr-3532	242	6	working	work	VERB
fsr-3532	242	7	population	population	NOUN
fsr-3532	242	8	has	have	AUX
fsr-3532	242	9	calculated	calculate	VERB
fsr-3532	242	10	retirement	retirement	NOUN
fsr-3532	242	11	needs	need	NOUN
fsr-3532	242	12	and	and	CCONJ
fsr-3532	242	13	about	about	ADV
fsr-3532	242	14	43	43	NUM
fsr-3532	242	15	%	%	NOUN
fsr-3532	242	16	of	of	ADP
fsr-3532	242	17	those	those	PRON
fsr-3532	242	18	who	who	PRON
fsr-3532	242	19	are	be	AUX
fsr-3532	242	20	not	not	PART
fsr-3532	242	21	working	work	VERB
fsr-3532	242	22	have	have	AUX
fsr-3532	242	23	also	also	ADV
fsr-3532	242	24	calculated	calculate	VERB
fsr-3532	242	25	retirement	retirement	NOUN
fsr-3532	242	26	needs	need	NOUN
fsr-3532	242	27	.	.	PUNCT
fsr-3532	243	1	about	about	ADV
fsr-3532	243	2	58	58	NUM
fsr-3532	243	3	%	%	NOUN
fsr-3532	243	4	of	of	ADP
fsr-3532	243	5	individuals	individual	NOUN
fsr-3532	243	6	who	who	PRON
fsr-3532	243	7	have	have	VERB
fsr-3532	243	8	children	child	NOUN
fsr-3532	243	9	own	own	VERB
fsr-3532	243	10	an	an	DET
fsr-3532	243	11	ira	ira	PROPN
fsr-3532	243	12	,	,	PUNCT
fsr-3532	243	13	about	about	ADV
fsr-3532	243	14	52	52	NUM
fsr-3532	243	15	%	%	NOUN
fsr-3532	243	16	have	have	AUX
fsr-3532	243	17	calculated	calculate	VERB
fsr-3532	243	18	retirement	retirement	NOUN
fsr-3532	243	19	needs	need	NOUN
fsr-3532	243	20	,	,	PUNCT
fsr-3532	243	21	and	and	CCONJ
fsr-3532	243	22	about	about	ADV
fsr-3532	243	23	53	53	NUM
fsr-3532	243	24	%	%	NOUN
fsr-3532	243	25	contribute	contribute	VERB
fsr-3532	243	26	regularly	regularly	ADV
fsr-3532	243	27	to	to	ADP
fsr-3532	243	28	retirement	retirement	NOUN
fsr-3532	243	29	.	.	PUNCT
fsr-3532	244	1	about	about	ADV
fsr-3532	244	2	37	37	NUM
fsr-3532	244	3	%	%	NOUN
fsr-3532	244	4	of	of	ADP
fsr-3532	244	5	respondents	respondent	NOUN
fsr-3532	244	6	with	with	ADP
fsr-3532	244	7	low	low	ADJ
fsr-3532	244	8	risk	risk	NOUN
fsr-3532	244	9	tolerance	tolerance	NOUN
fsr-3532	244	10	own	own	VERB
fsr-3532	244	11	an	an	DET
fsr-3532	244	12	ira	ira	PROPN
fsr-3532	244	13	,	,	PUNCT
fsr-3532	244	14	compared	compare	VERB
fsr-3532	244	15	to	to	ADP
fsr-3532	244	16	about	about	ADP
fsr-3532	244	17	58	58	NUM
fsr-3532	244	18	%	%	NOUN
fsr-3532	244	19	with	with	ADP
fsr-3532	244	20	moderate	moderate	ADJ
fsr-3532	244	21	risk	risk	NOUN
fsr-3532	244	22	tolerance	tolerance	NOUN
fsr-3532	244	23	,	,	PUNCT
fsr-3532	244	24	and	and	CCONJ
fsr-3532	244	25	about	about	ADP
fsr-3532	244	26	63	63	NUM
fsr-3532	244	27	%	%	NOUN
fsr-3532	244	28	with	with	ADP
fsr-3532	244	29	high	high	ADJ
fsr-3532	244	30	risk	risk	NOUN
fsr-3532	244	31	tolerance	tolerance	NOUN
fsr-3532	244	32	.	.	PUNCT
fsr-3532	245	1	about	about	ADV
fsr-3532	245	2	56	56	NUM
fsr-3532	245	3	%	%	NOUN
fsr-3532	245	4	of	of	ADP
fsr-3532	245	5	individuals	individual	NOUN
fsr-3532	245	6	with	with	ADP
fsr-3532	245	7	high	high	ADJ
fsr-3532	245	8	financial	financial	ADJ
fsr-3532	245	9	literacy	literacy	NOUN
fsr-3532	245	10	own	own	VERB
fsr-3532	245	11	an	an	DET
fsr-3532	245	12	ira	ira	PROPN
fsr-3532	245	13	,	,	PUNCT
fsr-3532	245	14	about	about	ADV
fsr-3532	245	15	47	47	NUM
fsr-3532	245	16	%	%	NOUN
fsr-3532	245	17	have	have	AUX
fsr-3532	245	18	calculated	calculate	VERB
fsr-3532	245	19	retirement	retirement	NOUN
fsr-3532	245	20	needs	need	NOUN
fsr-3532	245	21	,	,	PUNCT
fsr-3532	245	22	and	and	CCONJ
fsr-3532	245	23	about	about	ADV
fsr-3532	245	24	49	49	NUM
fsr-3532	245	25	%	%	NOUN
fsr-3532	245	26	regularly	regularly	ADV
fsr-3532	245	27	contribute	contribute	VERB
fsr-3532	245	28	to	to	ADP
fsr-3532	245	29	retirement	retirement	NOUN
fsr-3532	245	30	.	.	PUNCT
fsr-3532	246	1	5.2	5.2	NUM
fsr-3532	246	2	.	.	PUNCT
fsr-3532	247	1	multivariate	multivariate	NOUN
fsr-3532	247	2	analysis	analysis	NOUN
fsr-3532	247	3	table	table	NOUN
fsr-3532	247	4	3	3	NUM
fsr-3532	247	5	shows	show	VERB
fsr-3532	247	6	the	the	DET
fsr-3532	247	7	marginal	marginal	ADJ
fsr-3532	247	8	effects	effect	NOUN
fsr-3532	247	9	of	of	ADP
fsr-3532	247	10	the	the	DET
fsr-3532	247	11	probit	probit	NOUN
fsr-3532	247	12	regressions	regression	NOUN
fsr-3532	247	13	on	on	ADP
fsr-3532	247	14	the	the	DET
fsr-3532	247	15	positive	positive	ADJ
fsr-3532	247	16	financial	financial	ADJ
fsr-3532	247	17	behavior	behavior	NOUN
fsr-3532	247	18	variables	variable	VERB
fsr-3532	247	19	.	.	PUNCT
fsr-3532	248	1	we	we	PRON
fsr-3532	248	2	run	run	VERB
fsr-3532	248	3	three	three	NUM
fsr-3532	248	4	separate	separate	ADJ
fsr-3532	248	5	regressions	regression	NOUN
fsr-3532	248	6	with	with	ADP
fsr-3532	248	7	three	three	NUM
fsr-3532	248	8	different	different	ADJ
fsr-3532	248	9	dependent	dependent	ADJ
fsr-3532	248	10	variables	variable	NOUN
fsr-3532	248	11	.	.	PUNCT
fsr-3532	249	1	the	the	DET
fsr-3532	249	2	main	main	ADJ
fsr-3532	249	3	variables	variable	NOUN
fsr-3532	249	4	of	of	ADP
fsr-3532	249	5	interest	interest	NOUN
fsr-3532	249	6	are	be	AUX
fsr-3532	249	7	timing	timing	NOUN
fsr-3532	249	8	and	and	CCONJ
fsr-3532	249	9	frequency	frequency	NOUN
fsr-3532	249	10	of	of	ADP
fsr-3532	249	11	financial	financial	ADJ
fsr-3532	249	12	education	education	NOUN
fsr-3532	249	13	.	.	PUNCT
fsr-3532	250	1	we	we	PRON
fsr-3532	250	2	found	find	VERB
fsr-3532	250	3	that	that	SCONJ
fsr-3532	250	4	timing	timing	NOUN
fsr-3532	250	5	and	and	CCONJ
fsr-3532	250	6	frequency	frequency	NOUN
fsr-3532	250	7	are	be	AUX
fsr-3532	250	8	statistically	statistically	ADV
fsr-3532	250	9	significant	significant	ADJ
fsr-3532	250	10	for	for	ADP
fsr-3532	250	11	most	most	ADJ
fsr-3532	250	12	instances	instance	NOUN
fsr-3532	250	13	of	of	ADP
fsr-3532	250	14	the	the	DET
fsr-3532	250	15	three	three	NUM
fsr-3532	250	16	positive	positive	ADJ
fsr-3532	250	17	financial	financial	ADJ
fsr-3532	250	18	behaviors	behavior	NOUN
fsr-3532	250	19	.	.	PUNCT
fsr-3532	251	1	5.3	5.3	NUM
fsr-3532	251	2	.	.	PUNCT
fsr-3532	252	1	owning	own	VERB
fsr-3532	252	2	an	an	DET
fsr-3532	252	3	ira	ira	PROPN
fsr-3532	252	4	getting	get	VERB
fsr-3532	252	5	financial	financial	ADJ
fsr-3532	252	6	education	education	NOUN
fsr-3532	252	7	at	at	ADP
fsr-3532	252	8	work	work	NOUN
fsr-3532	252	9	and	and	CCONJ
fsr-3532	252	10	in	in	ADP
fsr-3532	252	11	the	the	DET
fsr-3532	252	12	military	military	NOUN
fsr-3532	252	13	is	be	AUX
fsr-3532	252	14	positively	positively	ADV
fsr-3532	252	15	and	and	CCONJ
fsr-3532	252	16	significantly	significantly	ADV
fsr-3532	252	17	associated	associate	VERB
fsr-3532	252	18	with	with	ADP
fsr-3532	252	19	owning	own	VERB
fsr-3532	252	20	an	an	DET
fsr-3532	252	21	ira	ira	PROPN
fsr-3532	252	22	.	.	PUNCT
fsr-3532	253	1	individuals	individual	NOUN
fsr-3532	253	2	who	who	PRON
fsr-3532	253	3	got	get	VERB
fsr-3532	253	4	financial	financial	ADJ
fsr-3532	253	5	education	education	NOUN
fsr-3532	253	6	at	at	ADP
fsr-3532	253	7	work	work	NOUN
fsr-3532	253	8	and	and	CCONJ
fsr-3532	253	9	in	in	ADP
fsr-3532	253	10	the	the	DET
fsr-3532	253	11	162	162	NUM
fsr-3532	253	12	l.	l.	PROPN
fsr-3532	253	13	a.	a.	PROPN
fsr-3532	253	14	v.	v.	PROPN
fsr-3532	253	15	augustin	augustin	PROPN
fsr-3532	253	16	and	and	CCONJ
fsr-3532	253	17	t.	t.	PROPN
fsr-3532	253	18	k.	k.	PROPN
fsr-3532	253	19	martin	martin	PROPN
fsr-3532	253	20	/	/	SYM
fsr-3532	253	21	financial	financial	ADJ
fsr-3532	253	22	services	service	NOUN
fsr-3532	253	23	review	review	VERB
fsr-3532	253	24	31	31	NUM
fsr-3532	253	25	(	(	PUNCT
fsr-3532	253	26	2023	2023	NUM
fsr-3532	253	27	)	)	PUNCT
fsr-3532	254	1	151–167	151–167	NUM
fsr-3532	254	2	t	t	PROPN
fsr-3532	254	3	ab	ab	PROPN
fsr-3532	254	4	le	le	PROPN
fsr-3532	254	5	3	3	NUM
fsr-3532	254	6	m	m	PROPN
fsr-3532	254	7	ar	ar	NOUN
fsr-3532	254	8	g	g	PROPN
fsr-3532	254	9	in	in	ADP
fsr-3532	254	10	al	al	PROPN
fsr-3532	254	11	ef	ef	PROPN
fsr-3532	254	12	fe	fe	X
fsr-3532	255	1	ct	ct	PROPN
fsr-3532	255	2	s	s	PROPN
fsr-3532	255	3	o	o	X
fsr-3532	255	4	f	f	PROPN
fsr-3532	255	5	in	in	ADP
fsr-3532	255	6	d	d	PROPN
fsr-3532	255	7	ep	ep	PROPN
fsr-3532	256	1	en	en	PROPN
fsr-3532	256	2	d	d	PROPN
fsr-3532	256	3	en	en	PROPN
fsr-3532	256	4	t	t	PROPN
fsr-3532	256	5	v	v	PROPN
fsr-3532	256	6	ar	ar	PROPN
fsr-3532	256	7	ia	ia	PROPN
fsr-3532	256	8	b	b	PROPN
fsr-3532	256	9	le	le	PROPN
fsr-3532	256	10	s	s	PROPN
fsr-3532	256	11	o	o	NOUN
fsr-3532	256	12	n	n	PRON
fsr-3532	256	13	p	p	NOUN
fsr-3532	256	14	o	o	X
fsr-3532	256	15	si	si	X
fsr-3532	256	16	ti	ti	X
fsr-3532	256	17	v	v	NOUN
fsr-3532	256	18	e	e	NOUN
fsr-3532	256	19	fi	fi	NOUN
fsr-3532	256	20	na	na	ADP
fsr-3532	256	21	n	n	PROPN
fsr-3532	256	22	ci	ci	PROPN
fsr-3532	256	23	al	al	PROPN
fsr-3532	256	24	b	b	PROPN
fsr-3532	256	25	eh	eh	INTJ
fsr-3532	256	26	av	av	PROPN
fsr-3532	256	27	io	io	X
fsr-3532	256	28	rs	rs	PROPN
fsr-3532	256	29	v	v	PROPN
fsr-3532	256	30	ar	ar	PROPN
fsr-3532	256	31	ia	ia	PROPN
fsr-3532	256	32	b	b	PROPN
fsr-3532	256	33	le	le	X
fsr-3532	256	34	o	o	X
fsr-3532	256	35	w	w	PROPN
fsr-3532	256	36	n	n	VERB
fsr-3532	256	37	ir	ir	PROPN
fsr-3532	256	38	a	a	PROPN
fsr-3532	256	39	c	c	NOUN
fsr-3532	256	40	al	al	PROPN
fsr-3532	256	41	cu	cu	PROPN
fsr-3532	256	42	la	la	PROPN
fsr-3532	256	43	te	te	PROPN
fsr-3532	256	44	re	re	ADP
fsr-3532	256	45	ti	ti	PROPN
fsr-3532	256	46	re	re	VERB
fsr-3532	256	47	m	m	PROPN
fsr-3532	256	48	en	en	PROPN
fsr-3532	256	49	t	t	PROPN
fsr-3532	256	50	n	n	NOUN
fsr-3532	256	51	ee	ee	VERB
fsr-3532	257	1	d	d	PROPN
fsr-3532	257	2	s	s	PROPN
fsr-3532	257	3	c	c	X
fsr-3532	257	4	o	o	NOUN
fsr-3532	257	5	n	n	CCONJ
fsr-3532	257	6	tr	tr	VERB
fsr-3532	257	7	ib	ib	NOUN
fsr-3532	257	8	u	u	NOUN
fsr-3532	257	9	te	te	PROPN
fsr-3532	257	10	to	to	PART
fsr-3532	257	11	re	re	VERB
fsr-3532	257	12	ti	ti	PROPN
fsr-3532	257	13	re	re	ADP
fsr-3532	257	14	m	m	PROPN
fsr-3532	257	15	en	en	PROPN
fsr-3532	257	16	t	t	PROPN
fsr-3532	257	17	re	re	ADP
fsr-3532	257	18	g	g	PROPN
fsr-3532	257	19	u	u	PROPN
fsr-3532	257	20	la	la	X
fsr-3532	257	21	rl	rl	ADP
fsr-3532	257	22	y	y	PROPN
fsr-3532	257	23	m	m	PROPN
fsr-3532	257	24	ar	ar	PROPN
fsr-3532	257	25	g	g	PROPN
fsr-3532	257	26	.	.	PUNCT
fsr-3532	258	1	ef	ef	PROPN
fsr-3532	258	2	f.	f.	PROPN
fsr-3532	258	3	s	s	PROPN
fsr-3532	258	4	ta	ta	PROPN
fsr-3532	258	5	n	n	PROPN
fsr-3532	258	6	d	d	PROPN
fsr-3532	258	7	ar	ar	PROPN
fsr-3532	259	1	d	d	NOUN
fsr-3532	259	2	er	er	INTJ
fsr-3532	259	3	ro	ro	INTJ
fsr-3532	259	4	r	r	NOUN
fsr-3532	259	5	s	s	VERB
fsr-3532	259	6	ig	ig	PROPN
fsr-3532	259	7	.	.	PUNCT
fsr-3532	260	1	m	m	PROPN
fsr-3532	260	2	ar	ar	PROPN
fsr-3532	260	3	g	g	PROPN
fsr-3532	260	4	.	.	PUNCT
fsr-3532	261	1	ef	ef	PROPN
fsr-3532	261	2	f.	f.	PROPN
fsr-3532	261	3	s	s	PROPN
fsr-3532	261	4	ta	ta	PROPN
fsr-3532	261	5	n	n	PROPN
fsr-3532	261	6	d	d	PROPN
fsr-3532	261	7	ar	ar	PROPN
fsr-3532	262	1	d	d	NOUN
fsr-3532	262	2	er	er	INTJ
fsr-3532	262	3	ro	ro	INTJ
fsr-3532	262	4	r	r	NOUN
fsr-3532	262	5	s	s	VERB
fsr-3532	262	6	ig	ig	PROPN
fsr-3532	262	7	.	.	PUNCT
fsr-3532	263	1	m	m	PROPN
fsr-3532	263	2	ar	ar	PROPN
fsr-3532	263	3	g	g	PROPN
fsr-3532	263	4	.	.	PUNCT
fsr-3532	264	1	ef	ef	PROPN
fsr-3532	264	2	f.	f.	PROPN
fsr-3532	264	3	s	s	PROPN
fsr-3532	264	4	ta	ta	PROPN
fsr-3532	264	5	n	n	PROPN
fsr-3532	264	6	d	d	PROPN
fsr-3532	264	7	ar	ar	PROPN
fsr-3532	265	1	d	d	NOUN
fsr-3532	265	2	er	er	INTJ
fsr-3532	265	3	ro	ro	INTJ
fsr-3532	265	4	r	r	NOUN
fsr-3532	265	5	s	s	VERB
fsr-3532	265	6	ig	ig	PROPN
fsr-3532	265	7	.	.	PUNCT
fsr-3532	266	1	t	t	PROPN
fsr-3532	267	1	i	i	PRON
fsr-3532	267	2	m	m	VERB
fsr-3532	267	3	in	in	ADP
fsr-3532	267	4	g	g	PROPN
fsr-3532	267	5	(	(	PUNCT
fsr-3532	267	6	h	h	NOUN
fsr-3532	267	7	ig	ig	PROPN
fsr-3532	267	8	h	h	PROPN
fsr-3532	267	9	sc	sc	NOUN
fsr-3532	268	1	h	h	NOUN
fsr-3532	269	1	o	o	NOUN
fsr-3532	269	2	o	o	X
fsr-3532	269	3	l	l	NOUN
fsr-3532	269	4	)	)	PUNCT
fsr-3532	270	1	c	c	NOUN
fsr-3532	270	2	o	o	NOUN
fsr-3532	270	3	ll	ll	AUX
fsr-3532	270	4	eg	eg	NOUN
fsr-3532	270	5	e	e	X
fsr-3532	270	6	%	%	NOUN
fsr-3532	270	7	0	0	NUM
fsr-3532	271	1	.0	.0	NUM
fsr-3532	271	2	0	0	NUM
fsr-3532	271	3	1	1	NUM
fsr-3532	271	4	7	7	NUM
fsr-3532	271	5	(	(	PUNCT
fsr-3532	271	6	0	0	NUM
fsr-3532	271	7	.0	.0	NUM
fsr-3532	271	8	2	2	NUM
fsr-3532	271	9	1	1	NUM
fsr-3532	271	10	4	4	NUM
fsr-3532	271	11	)	)	PUNCT
fsr-3532	271	12	0	0	NUM
fsr-3532	272	1	.0	.0	NUM
fsr-3532	272	2	0	0	NUM
fsr-3532	272	3	7	7	NUM
fsr-3532	272	4	4	4	NUM
fsr-3532	272	5	(	(	PUNCT
fsr-3532	272	6	0	0	NUM
fsr-3532	272	7	.0	.0	NUM
fsr-3532	272	8	2	2	NUM
fsr-3532	272	9	33	33	NUM
fsr-3532	272	10	)	)	PUNCT
fsr-3532	272	11	0	0	NUM
fsr-3532	273	1	.0	.0	NUM
fsr-3532	273	2	3	3	NUM
fsr-3532	273	3	2	2	NUM
fsr-3532	273	4	9	9	NUM
fsr-3532	273	5	5	5	NUM
fsr-3532	273	6	(	(	PUNCT
fsr-3532	273	7	0	0	NUM
fsr-3532	273	8	.0	.0	NUM
fsr-3532	273	9	1	1	NUM
fsr-3532	273	10	9	9	NUM
fsr-3532	273	11	3	3	NUM
fsr-3532	273	12	)	)	PUNCT
fsr-3532	273	13	*	*	PUNCT
fsr-3532	274	1	w	w	PUNCT
fsr-3532	274	2	o	o	INTJ
fsr-3532	274	3	rk	rk	NOUN
fsr-3532	274	4	0	0	NUM
fsr-3532	274	5	.0	.0	NUM
fsr-3532	274	6	6	6	NUM
fsr-3532	274	7	6	6	NUM
fsr-3532	274	8	2	2	NUM
fsr-3532	274	9	(	(	PUNCT
fsr-3532	274	10	0	0	NUM
fsr-3532	274	11	.0	.0	NUM
fsr-3532	274	12	2	2	NUM
fsr-3532	274	13	0	0	NUM
fsr-3532	274	14	5	5	NUM
fsr-3532	274	15	)	)	PUNCT
fsr-3532	274	16	*	*	PUNCT
fsr-3532	275	1	*	*	PUNCT
fsr-3532	275	2	*	*	PUNCT
fsr-3532	275	3	0	0	NUM
fsr-3532	276	1	.0	.0	NUM
fsr-3532	276	2	9	9	NUM
fsr-3532	276	3	0	0	NUM
fsr-3532	276	4	6	6	NUM
fsr-3532	276	5	7	7	NUM
fsr-3532	276	6	(	(	PUNCT
fsr-3532	276	7	0	0	NUM
fsr-3532	276	8	.0	.0	NUM
fsr-3532	276	9	2	2	NUM
fsr-3532	276	10	35	35	NUM
fsr-3532	276	11	)	)	PUNCT
fsr-3532	277	1	*	*	PUNCT
fsr-3532	278	1	*	*	PUNCT
fsr-3532	278	2	*	*	PUNCT
fsr-3532	278	3	0	0	NUM
fsr-3532	279	1	.0	.0	NUM
fsr-3532	279	2	8	8	NUM
fsr-3532	279	3	6	6	NUM
fsr-3532	279	4	4	4	NUM
fsr-3532	279	5	6	6	NUM
fsr-3532	279	6	(	(	PUNCT
fsr-3532	279	7	0	0	NUM
fsr-3532	279	8	.0	.0	NUM
fsr-3532	279	9	1	1	NUM
fsr-3532	279	10	8	8	NUM
fsr-3532	279	11	7	7	NUM
fsr-3532	279	12	)	)	PUNCT
fsr-3532	279	13	*	*	PUNCT
fsr-3532	280	1	*	*	PUNCT
fsr-3532	280	2	*	*	PUNCT
fsr-3532	280	3	m	m	VERB
fsr-3532	280	4	il	il	VERB
fsr-3532	280	5	it	it	PRON
fsr-3532	280	6	ar	ar	VERB
fsr-3532	280	7	y	y	PROPN
fsr-3532	280	8	0	0	NUM
fsr-3532	281	1	.0	.0	NUM
fsr-3532	281	2	6	6	NUM
fsr-3532	281	3	0	0	NUM
fsr-3532	281	4	1	1	NUM
fsr-3532	281	5	(	(	PUNCT
fsr-3532	281	6	0	0	NUM
fsr-3532	281	7	.0	.0	NUM
fsr-3532	281	8	3	3	NUM
fsr-3532	281	9	2	2	NUM
fsr-3532	281	10	5	5	NUM
fsr-3532	281	11	)	)	PUNCT
fsr-3532	281	12	*	*	PUNCT
fsr-3532	281	13	0	0	NUM
fsr-3532	282	1	.0	.0	NUM
fsr-3532	282	2	7	7	NUM
fsr-3532	282	3	1	1	NUM
fsr-3532	282	4	1	1	NUM
fsr-3532	282	5	5	5	NUM
fsr-3532	282	6	(	(	PUNCT
fsr-3532	282	7	0	0	NUM
fsr-3532	282	8	.0	.0	NUM
fsr-3532	282	9	3	3	NUM
fsr-3532	282	10	79	79	NUM
fsr-3532	282	11	)	)	PUNCT
fsr-3532	282	12	*	*	PUNCT
fsr-3532	282	13	0	0	NUM
fsr-3532	283	1	.0	.0	NUM
fsr-3532	283	2	2	2	NUM
fsr-3532	283	3	6	6	NUM
fsr-3532	283	4	3	3	NUM
fsr-3532	283	5	5	5	NUM
fsr-3532	283	6	(	(	PUNCT
fsr-3532	283	7	0	0	NUM
fsr-3532	283	8	.0	.0	NUM
fsr-3532	283	9	2	2	NUM
fsr-3532	283	10	9	9	NUM
fsr-3532	283	11	2	2	NUM
fsr-3532	283	12	)	)	PUNCT
fsr-3532	283	13	f	f	NOUN
fsr-3532	283	14	re	re	X
fsr-3532	283	15	qu	qu	X
fsr-3532	283	16	en	en	PROPN
fsr-3532	283	17	cy	cy	PROPN
fsr-3532	283	18	(	(	PUNCT
fsr-3532	283	19	o	o	NOUN
fsr-3532	283	20	n	n	ADP
fsr-3532	283	21	e	e	X
fsr-3532	283	22	ti	ti	X
fsr-3532	283	23	m	m	PROPN
fsr-3532	283	24	e	e	PROPN
fsr-3532	283	25	)	)	PUNCT
fsr-3532	283	26	t	t	PROPN
fsr-3532	283	27	w	w	NOUN
fsr-3532	283	28	o	o	X
fsr-3532	283	29	ti	ti	X
fsr-3532	283	30	m	m	VERB
fsr-3532	283	31	es	es	NOUN
fsr-3532	283	32	0	0	NUM
fsr-3532	283	33	.0	.0	NUM
fsr-3532	283	34	1	1	NUM
fsr-3532	283	35	7	7	NUM
fsr-3532	283	36	7	7	NUM
fsr-3532	283	37	(	(	PUNCT
fsr-3532	283	38	0	0	NUM
fsr-3532	283	39	.0	.0	NUM
fsr-3532	283	40	2	2	NUM
fsr-3532	283	41	0	0	NUM
fsr-3532	283	42	4	4	NUM
fsr-3532	283	43	)	)	PUNCT
fsr-3532	283	44	0	0	NUM
fsr-3532	284	1	.0	.0	NUM
fsr-3532	284	2	3	3	NUM
fsr-3532	284	3	2	2	NUM
fsr-3532	284	4	3	3	NUM
fsr-3532	284	5	6	6	NUM
fsr-3532	284	6	(	(	PUNCT
fsr-3532	284	7	0	0	NUM
fsr-3532	284	8	.0	.0	NUM
fsr-3532	284	9	2	2	NUM
fsr-3532	284	10	30	30	NUM
fsr-3532	284	11	)	)	PUNCT
fsr-3532	284	12	0	0	NUM
fsr-3532	285	1	.0	.0	NUM
fsr-3532	285	2	2	2	NUM
fsr-3532	285	3	1	1	NUM
fsr-3532	285	4	5	5	NUM
fsr-3532	285	5	2	2	NUM
fsr-3532	285	6	(	(	PUNCT
fsr-3532	285	7	0	0	NUM
fsr-3532	285	8	.0	.0	NUM
fsr-3532	285	9	1	1	NUM
fsr-3532	285	10	8	8	NUM
fsr-3532	285	11	4	4	NUM
fsr-3532	285	12	)	)	PUNCT
fsr-3532	285	13	t	t	NOUN
fsr-3532	285	14	h	h	NOUN
fsr-3532	285	15	re	re	VERB
fsr-3532	285	16	e	e	X
fsr-3532	285	17	ti	ti	VERB
fsr-3532	285	18	m	m	VERB
fsr-3532	285	19	es	es	X
fsr-3532	285	20	0	0	NUM
fsr-3532	285	21	.0	.0	NUM
fsr-3532	285	22	7	7	NUM
fsr-3532	285	23	5	5	NUM
fsr-3532	285	24	4	4	NUM
fsr-3532	285	25	(	(	PUNCT
fsr-3532	285	26	0	0	NUM
fsr-3532	285	27	.0	.0	NUM
fsr-3532	285	28	3	3	NUM
fsr-3532	285	29	1	1	NUM
fsr-3532	285	30	5	5	NUM
fsr-3532	285	31	)	)	PUNCT
fsr-3532	285	32	*	*	PUNCT
fsr-3532	286	1	*	*	PUNCT
fsr-3532	286	2	0	0	NUM
fsr-3532	287	1	.0	.0	NUM
fsr-3532	287	2	8	8	NUM
fsr-3532	287	3	6	6	NUM
fsr-3532	287	4	9	9	NUM
fsr-3532	287	5	8	8	NUM
fsr-3532	287	6	(	(	PUNCT
fsr-3532	287	7	0	0	NUM
fsr-3532	287	8	.0	.0	NUM
fsr-3532	287	9	3	3	NUM
fsr-3532	287	10	61	61	NUM
fsr-3532	287	11	)	)	PUNCT
fsr-3532	287	12	*	*	PUNCT
fsr-3532	288	1	*	*	PUNCT
fsr-3532	288	2	0	0	NUM
fsr-3532	289	1	.0	.0	NUM
fsr-3532	289	2	2	2	NUM
fsr-3532	289	3	7	7	NUM
fsr-3532	289	4	6	6	NUM
fsr-3532	289	5	7	7	NUM
fsr-3532	289	6	(	(	PUNCT
fsr-3532	289	7	0	0	NUM
fsr-3532	289	8	.0	.0	NUM
fsr-3532	289	9	2	2	NUM
fsr-3532	289	10	8	8	NUM
fsr-3532	289	11	6	6	NUM
fsr-3532	289	12	)	)	PUNCT
fsr-3532	289	13	f	f	NOUN
fsr-3532	289	14	o	o	NOUN
fsr-3532	289	15	u	u	X
fsr-3532	289	16	r	r	NOUN
fsr-3532	289	17	ti	ti	NOUN
fsr-3532	289	18	m	m	VERB
fsr-3532	289	19	es	es	X
fsr-3532	289	20	0	0	NUM
fsr-3532	289	21	.0	.0	NUM
fsr-3532	289	22	8	8	NUM
fsr-3532	289	23	2	2	NUM
fsr-3532	289	24	2	2	NUM
fsr-3532	289	25	(	(	PUNCT
fsr-3532	289	26	0	0	NUM
fsr-3532	289	27	.0	.0	NUM
fsr-3532	289	28	6	6	NUM
fsr-3532	289	29	6	6	NUM
fsr-3532	289	30	8	8	NUM
fsr-3532	289	31	)	)	PUNCT
fsr-3532	289	32	0	0	NUM
fsr-3532	290	1	.0	.0	NUM
fsr-3532	291	1	6	6	NUM
fsr-3532	291	2	3	3	NUM
fsr-3532	291	3	1	1	NUM
fsr-3532	291	4	6	6	NUM
fsr-3532	291	5	(	(	PUNCT
fsr-3532	291	6	0	0	NUM
fsr-3532	291	7	.0	.0	NUM
fsr-3532	291	8	8	8	NUM
fsr-3532	291	9	05	05	NUM
fsr-3532	291	10	)	)	PUNCT
fsr-3532	291	11	0	0	NUM
fsr-3532	292	1	.0	.0	NUM
fsr-3532	292	2	7	7	NUM
fsr-3532	292	3	8	8	NUM
fsr-3532	292	4	4	4	NUM
fsr-3532	292	5	1	1	NUM
fsr-3532	292	6	(	(	PUNCT
fsr-3532	292	7	0	0	NUM
fsr-3532	292	8	.0	.0	NUM
fsr-3532	292	9	6	6	NUM
fsr-3532	292	10	2	2	NUM
fsr-3532	292	11	4	4	NUM
fsr-3532	292	12	)	)	PUNCT
fsr-3532	292	13	m	m	VERB
fsr-3532	292	14	al	al	NOUN
fsr-3532	292	15	e	e	PROPN
fsr-3532	292	16	%	%	NOUN
fsr-3532	292	17	0	0	NUM
fsr-3532	292	18	.0	.0	NUM
fsr-3532	292	19	1	1	NUM
fsr-3532	292	20	9	9	NUM
fsr-3532	292	21	4	4	NUM
fsr-3532	292	22	(	(	PUNCT
fsr-3532	292	23	0	0	NUM
fsr-3532	292	24	.0	.0	NUM
fsr-3532	292	25	1	1	NUM
fsr-3532	292	26	5	5	NUM
fsr-3532	292	27	4	4	NUM
fsr-3532	292	28	)	)	PUNCT
fsr-3532	292	29	%	%	NOUN
fsr-3532	292	30	0	0	NUM
fsr-3532	292	31	.0	.0	NUM
fsr-3532	292	32	2	2	NUM
fsr-3532	292	33	4	4	NUM
fsr-3532	292	34	2	2	NUM
fsr-3532	292	35	(	(	PUNCT
fsr-3532	292	36	0	0	NUM
fsr-3532	292	37	.0	.0	NUM
fsr-3532	292	38	1	1	NUM
fsr-3532	292	39	74	74	NUM
fsr-3532	292	40	)	)	PUNCT
fsr-3532	292	41	%	%	NOUN
fsr-3532	292	42	0	0	NUM
fsr-3532	293	1	.0	.0	NUM
fsr-3532	293	2	0	0	NUM
fsr-3532	293	3	7	7	NUM
fsr-3532	293	4	5	5	NUM
fsr-3532	293	5	(	(	PUNCT
fsr-3532	293	6	0	0	NUM
fsr-3532	293	7	.0	.0	NUM
fsr-3532	293	8	1	1	NUM
fsr-3532	293	9	4	4	NUM
fsr-3532	293	10	0	0	NUM
fsr-3532	293	11	)	)	PUNCT
fsr-3532	293	12	a	a	DET
fsr-3532	293	13	g	g	PROPN
fsr-3532	293	14	e	e	X
fsr-3532	293	15	(	(	PUNCT
fsr-3532	293	16	a	a	DET
fsr-3532	293	17	cq	cq	NOUN
fsr-3532	293	18	u	u	PROPN
fsr-3532	293	19	is	be	AUX
fsr-3532	293	20	it	it	PRON
fsr-3532	293	21	io	io	NOUN
fsr-3532	293	22	n	n	PROPN
fsr-3532	293	23	)	)	PUNCT
fsr-3532	293	24	a	a	DET
fsr-3532	293	25	cc	cc	X
fsr-3532	293	26	u	u	NOUN
fsr-3532	293	27	m	m	NOUN
fsr-3532	293	28	u	u	NOUN
fsr-3532	293	29	la	la	X
fsr-3532	293	30	ti	ti	X
fsr-3532	293	31	o	o	NOUN
fsr-3532	293	32	n	n	PROPN
fsr-3532	293	33	0	0	NUM
fsr-3532	293	34	.0	.0	NUM
fsr-3532	293	35	6	6	NUM
fsr-3532	293	36	6	6	NUM
fsr-3532	293	37	8	8	NUM
fsr-3532	293	38	(	(	PUNCT
fsr-3532	293	39	0	0	NUM
fsr-3532	293	40	.0	.0	NUM
fsr-3532	293	41	1	1	NUM
fsr-3532	293	42	7	7	NUM
fsr-3532	293	43	4	4	NUM
fsr-3532	293	44	)	)	PUNCT
fsr-3532	293	45	*	*	PUNCT
fsr-3532	294	1	*	*	PUNCT
fsr-3532	295	1	*	*	PUNCT
fsr-3532	295	2	0	0	NUM
fsr-3532	295	3	.0	.0	NUM
fsr-3532	295	4	5	5	NUM
fsr-3532	295	5	1	1	NUM
fsr-3532	295	6	3	3	NUM
fsr-3532	295	7	4	4	NUM
fsr-3532	295	8	(	(	PUNCT
fsr-3532	295	9	0	0	NUM
fsr-3532	295	10	.0	.0	NUM
fsr-3532	295	11	1	1	NUM
fsr-3532	295	12	83	83	NUM
fsr-3532	295	13	)	)	PUNCT
fsr-3532	295	14	*	*	PUNCT
fsr-3532	296	1	*	*	PUNCT
fsr-3532	297	1	*	*	PUNCT
fsr-3532	297	2	0	0	NUM
fsr-3532	297	3	.0	.0	NUM
fsr-3532	297	4	0	0	NUM
fsr-3532	297	5	0	0	NUM
fsr-3532	297	6	8	8	NUM
fsr-3532	297	7	4	4	NUM
fsr-3532	297	8	(	(	PUNCT
fsr-3532	297	9	0	0	NUM
fsr-3532	297	10	.0	.0	NUM
fsr-3532	297	11	1	1	NUM
fsr-3532	297	12	5	5	NUM
fsr-3532	297	13	8	8	NUM
fsr-3532	297	14	)	)	PUNCT
fsr-3532	298	1	d	d	NOUN
fsr-3532	298	2	is	be	AUX
fsr-3532	298	3	tr	tr	VERB
fsr-3532	298	4	ib	ib	NOUN
fsr-3532	298	5	u	u	NOUN
fsr-3532	298	6	ti	ti	NOUN
fsr-3532	298	7	o	o	NOUN
fsr-3532	298	8	n	n	PROPN
fsr-3532	298	9	0	0	NUM
fsr-3532	298	10	.1	.1	NUM
fsr-3532	298	11	8	8	NUM
fsr-3532	298	12	4	4	NUM
fsr-3532	298	13	8	8	NUM
fsr-3532	298	14	(	(	PUNCT
fsr-3532	298	15	0	0	NUM
fsr-3532	298	16	.0	.0	NUM
fsr-3532	298	17	2	2	NUM
fsr-3532	298	18	7	7	NUM
fsr-3532	298	19	4	4	NUM
fsr-3532	298	20	)	)	PUNCT
fsr-3532	298	21	*	*	PUNCT
fsr-3532	299	1	*	*	PUNCT
fsr-3532	300	1	*	*	PUNCT
fsr-3532	300	2	0	0	NUM
fsr-3532	300	3	.0	.0	NUM
fsr-3532	300	4	7	7	NUM
fsr-3532	300	5	7	7	NUM
fsr-3532	300	6	2	2	NUM
fsr-3532	300	7	1	1	NUM
fsr-3532	300	8	(	(	PUNCT
fsr-3532	300	9	0	0	NUM
fsr-3532	300	10	.0	.0	NUM
fsr-3532	300	11	3	3	NUM
fsr-3532	300	12	65	65	NUM
fsr-3532	300	13	)	)	PUNCT
fsr-3532	300	14	*	*	PUNCT
fsr-3532	301	1	*	*	PUNCT
fsr-3532	301	2	%	%	NOUN
fsr-3532	301	3	0	0	PUNCT
fsr-3532	302	1	.1	.1	NUM
fsr-3532	302	2	6	6	NUM
fsr-3532	302	3	8	8	NUM
fsr-3532	302	4	2	2	NUM
fsr-3532	302	5	(	(	PUNCT
fsr-3532	302	6	0	0	NUM
fsr-3532	302	7	.0	.0	NUM
fsr-3532	302	8	2	2	NUM
fsr-3532	302	9	4	4	NUM
fsr-3532	302	10	3	3	NUM
fsr-3532	302	11	)	)	PUNCT
fsr-3532	303	1	*	*	PUNCT
fsr-3532	304	1	*	*	PUNCT
fsr-3532	304	2	*	*	PUNCT
fsr-3532	304	3	w	w	NOUN
fsr-3532	304	4	h	h	NOUN
fsr-3532	304	5	it	it	PRON
fsr-3532	304	6	e	e	X
fsr-3532	304	7	0	0	NUM
fsr-3532	304	8	.0	.0	NUM
fsr-3532	304	9	4	4	NUM
fsr-3532	304	10	5	5	NUM
fsr-3532	304	11	3	3	NUM
fsr-3532	304	12	(	(	PUNCT
fsr-3532	304	13	0	0	NUM
fsr-3532	304	14	.0	.0	NUM
fsr-3532	304	15	1	1	NUM
fsr-3532	304	16	6	6	NUM
fsr-3532	304	17	6	6	NUM
fsr-3532	304	18	)	)	PUNCT
fsr-3532	304	19	*	*	PUNCT
fsr-3532	305	1	*	*	PUNCT
fsr-3532	305	2	*	*	PUNCT
fsr-3532	306	1	%	%	NOUN
fsr-3532	306	2	0	0	NUM
fsr-3532	307	1	.0	.0	NUM
fsr-3532	307	2	0	0	NUM
fsr-3532	307	3	2	2	NUM
fsr-3532	307	4	6	6	NUM
fsr-3532	307	5	(	(	PUNCT
fsr-3532	307	6	0	0	NUM
fsr-3532	307	7	.0	.0	NUM
fsr-3532	307	8	1	1	NUM
fsr-3532	307	9	83	83	NUM
fsr-3532	307	10	)	)	PUNCT
fsr-3532	307	11	0	0	NUM
fsr-3532	308	1	.0	.0	NUM
fsr-3532	308	2	0	0	NUM
fsr-3532	308	3	1	1	NUM
fsr-3532	308	4	8	8	NUM
fsr-3532	308	5	6	6	NUM
fsr-3532	308	6	(	(	PUNCT
fsr-3532	308	7	0	0	NUM
fsr-3532	308	8	.0	.0	NUM
fsr-3532	308	9	1	1	NUM
fsr-3532	308	10	5	5	NUM
fsr-3532	308	11	1	1	NUM
fsr-3532	308	12	)	)	PUNCT
fsr-3532	308	13	in	in	ADP
fsr-3532	308	14	co	co	NOUN
fsr-3532	308	15	m	m	PROPN
fsr-3532	308	16	e	e	X
fsr-3532	308	17	(	(	PUNCT
fsr-3532	308	18	l	l	NOUN
fsr-3532	308	19	o	o	X
fsr-3532	308	20	w	w	X
fsr-3532	308	21	)	)	PUNCT
fsr-3532	308	22	m	m	VERB
fsr-3532	308	23	o	o	NOUN
fsr-3532	309	1	d	d	X
fsr-3532	309	2	er	er	INTJ
fsr-3532	309	3	at	at	ADP
fsr-3532	309	4	e	e	X
fsr-3532	309	5	0	0	PUNCT
fsr-3532	310	1	.2	.2	NUM
fsr-3532	310	2	2	2	NUM
fsr-3532	310	3	0	0	NUM
fsr-3532	310	4	1	1	NUM
fsr-3532	310	5	(	(	PUNCT
fsr-3532	310	6	0	0	NUM
fsr-3532	310	7	.0	.0	NUM
fsr-3532	310	8	2	2	NUM
fsr-3532	310	9	0	0	NUM
fsr-3532	310	10	6	6	NUM
fsr-3532	310	11	)	)	PUNCT
fsr-3532	310	12	*	*	PUNCT
fsr-3532	311	1	*	*	PUNCT
fsr-3532	311	2	*	*	PUNCT
fsr-3532	311	3	0	0	NUM
fsr-3532	312	1	.0	.0	NUM
fsr-3532	312	2	9	9	NUM
fsr-3532	312	3	9	9	NUM
fsr-3532	312	4	1	1	NUM
fsr-3532	312	5	2	2	NUM
fsr-3532	312	6	(	(	PUNCT
fsr-3532	312	7	0	0	NUM
fsr-3532	312	8	.0	.0	NUM
fsr-3532	312	9	2	2	NUM
fsr-3532	312	10	26	26	NUM
fsr-3532	312	11	)	)	PUNCT
fsr-3532	312	12	*	*	PUNCT
fsr-3532	313	1	*	*	PUNCT
fsr-3532	314	1	*	*	PUNCT
fsr-3532	314	2	0	0	PUNCT
fsr-3532	315	1	.2	.2	NUM
fsr-3532	315	2	0	0	NUM
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fsr-3532	315	5	8	8	NUM
fsr-3532	315	6	(	(	PUNCT
fsr-3532	315	7	0	0	NUM
fsr-3532	315	8	.0	.0	NUM
fsr-3532	315	9	1	1	NUM
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fsr-3532	315	11	0	0	NUM
fsr-3532	315	12	)	)	PUNCT
fsr-3532	315	13	*	*	PUNCT
fsr-3532	316	1	*	*	PUNCT
fsr-3532	316	2	*	*	PUNCT
fsr-3532	316	3	h	h	INTJ
fsr-3532	316	4	ig	ig	NOUN
fsr-3532	316	5	h	h	NOUN
fsr-3532	316	6	0	0	NUM
fsr-3532	316	7	.3	.3	NUM
fsr-3532	316	8	2	2	NUM
fsr-3532	316	9	5	5	NUM
fsr-3532	316	10	3	3	NUM
fsr-3532	316	11	(	(	PUNCT
fsr-3532	316	12	0	0	NUM
fsr-3532	316	13	.0	.0	NUM
fsr-3532	316	14	2	2	NUM
fsr-3532	316	15	3	3	NUM
fsr-3532	316	16	8	8	NUM
fsr-3532	316	17	)	)	PUNCT
fsr-3532	316	18	*	*	PUNCT
fsr-3532	317	1	*	*	PUNCT
fsr-3532	318	1	*	*	PUNCT
fsr-3532	318	2	0	0	NUM
fsr-3532	319	1	.1	.1	NUM
fsr-3532	319	2	8	8	NUM
fsr-3532	319	3	7	7	NUM
fsr-3532	319	4	7	7	NUM
fsr-3532	319	5	1	1	NUM
fsr-3532	319	6	(	(	PUNCT
fsr-3532	319	7	0	0	NUM
fsr-3532	319	8	.0	.0	NUM
fsr-3532	319	9	2	2	NUM
fsr-3532	319	10	71	71	NUM
fsr-3532	319	11	)	)	PUNCT
fsr-3532	319	12	*	*	PUNCT
fsr-3532	320	1	*	*	PUNCT
fsr-3532	321	1	*	*	PUNCT
fsr-3532	321	2	0	0	NUM
fsr-3532	322	1	.3	.3	NUM
fsr-3532	322	2	1	1	NUM
fsr-3532	322	3	9	9	NUM
fsr-3532	322	4	2	2	NUM
fsr-3532	322	5	9	9	NUM
fsr-3532	322	6	(	(	PUNCT
fsr-3532	322	7	0	0	NUM
fsr-3532	322	8	.0	.0	NUM
fsr-3532	322	9	2	2	NUM
fsr-3532	322	10	1	1	NUM
fsr-3532	322	11	5	5	NUM
fsr-3532	322	12	)	)	PUNCT
fsr-3532	322	13	*	*	PUNCT
fsr-3532	323	1	*	*	PUNCT
fsr-3532	323	2	*	*	PUNCT
fsr-3532	323	3	d	d	PUNCT
fsr-3532	323	4	eg	eg	X
fsr-3532	323	5	re	re	ADP
fsr-3532	323	6	e	e	X
fsr-3532	323	7	(	(	PUNCT
fsr-3532	323	8	n	n	NOUN
fsr-3532	323	9	o	o	NOUN
fsr-3532	323	10	d	d	X
fsr-3532	323	11	eg	eg	X
fsr-3532	323	12	re	re	X
fsr-3532	323	13	e	e	NOUN
fsr-3532	323	14	)	)	PUNCT
fsr-3532	323	15	0	0	NUM
fsr-3532	324	1	.0	.0	NUM
fsr-3532	324	2	7	7	NUM
fsr-3532	324	3	2	2	NUM
fsr-3532	324	4	6	6	NUM
fsr-3532	324	5	(	(	PUNCT
fsr-3532	324	6	0	0	NUM
fsr-3532	324	7	.0	.0	NUM
fsr-3532	324	8	1	1	NUM
fsr-3532	324	9	7	7	NUM
fsr-3532	324	10	2	2	NUM
fsr-3532	324	11	)	)	PUNCT
fsr-3532	324	12	*	*	PUNCT
fsr-3532	325	1	*	*	PUNCT
fsr-3532	325	2	*	*	PUNCT
fsr-3532	325	3	0	0	NUM
fsr-3532	326	1	.0	.0	NUM
fsr-3532	326	2	5	5	NUM
fsr-3532	326	3	6	6	NUM
fsr-3532	326	4	1	1	NUM
fsr-3532	326	5	8	8	NUM
fsr-3532	326	6	(	(	PUNCT
fsr-3532	326	7	0	0	NUM
fsr-3532	326	8	.0	.0	NUM
fsr-3532	326	9	1	1	NUM
fsr-3532	326	10	95	95	NUM
fsr-3532	326	11	)	)	PUNCT
fsr-3532	327	1	*	*	PUNCT
fsr-3532	328	1	*	*	PUNCT
fsr-3532	329	1	*	*	PUNCT
fsr-3532	329	2	0	0	NUM
fsr-3532	329	3	.0	.0	NUM
fsr-3532	329	4	5	5	NUM
fsr-3532	329	5	4	4	NUM
fsr-3532	329	6	9	9	NUM
fsr-3532	329	7	2	2	NUM
fsr-3532	329	8	(	(	PUNCT
fsr-3532	329	9	0	0	NUM
fsr-3532	329	10	.0	.0	NUM
fsr-3532	329	11	1	1	NUM
fsr-3532	329	12	5	5	NUM
fsr-3532	329	13	6	6	NUM
fsr-3532	329	14	)	)	PUNCT
fsr-3532	329	15	*	*	PUNCT
fsr-3532	330	1	*	*	PUNCT
fsr-3532	330	2	*	*	PUNCT
fsr-3532	330	3	m	m	PROPN
fsr-3532	330	4	ar	ar	PROPN
fsr-3532	330	5	ri	ri	PROPN
fsr-3532	330	6	ed	ed	PROPN
fsr-3532	330	7	(	(	PUNCT
fsr-3532	330	8	n	n	NUM
fsr-3532	330	9	o	o	X
fsr-3532	330	10	t	t	PROPN
fsr-3532	330	11	m	m	PROPN
fsr-3532	330	12	ar	ar	PROPN
fsr-3532	330	13	ri	ri	PROPN
fsr-3532	330	14	ed	ed	PROPN
fsr-3532	330	15	)	)	PUNCT
fsr-3532	330	16	0	0	NUM
fsr-3532	331	1	.0	.0	NUM
fsr-3532	331	2	4	4	NUM
fsr-3532	331	3	0	0	NUM
fsr-3532	331	4	1	1	NUM
fsr-3532	331	5	(	(	PUNCT
fsr-3532	331	6	0	0	NUM
fsr-3532	331	7	.0	.0	NUM
fsr-3532	331	8	1	1	NUM
fsr-3532	331	9	7	7	NUM
fsr-3532	331	10	5	5	NUM
fsr-3532	331	11	)	)	PUNCT
fsr-3532	331	12	*	*	PUNCT
fsr-3532	332	1	*	*	PUNCT
fsr-3532	332	2	0	0	NUM
fsr-3532	332	3	.0	.0	NUM
fsr-3532	332	4	1	1	NUM
fsr-3532	332	5	6	6	NUM
fsr-3532	332	6	3	3	NUM
fsr-3532	332	7	4	4	NUM
fsr-3532	332	8	(	(	PUNCT
fsr-3532	332	9	0	0	NUM
fsr-3532	332	10	.0	.0	NUM
fsr-3532	332	11	1	1	NUM
fsr-3532	332	12	99	99	NUM
fsr-3532	332	13	)	)	PUNCT
fsr-3532	332	14	0	0	NUM
fsr-3532	332	15	.0	.0	NUM
fsr-3532	332	16	6	6	NUM
fsr-3532	332	17	4	4	NUM
fsr-3532	332	18	9	9	NUM
fsr-3532	332	19	4	4	NUM
fsr-3532	332	20	(	(	PUNCT
fsr-3532	332	21	0	0	NUM
fsr-3532	332	22	.0	.0	NUM
fsr-3532	332	23	1	1	NUM
fsr-3532	332	24	5	5	NUM
fsr-3532	332	25	8	8	NUM
fsr-3532	332	26	)	)	PUNCT
fsr-3532	332	27	*	*	PUNCT
fsr-3532	333	1	*	*	PUNCT
fsr-3532	333	2	*	*	PUNCT
fsr-3532	333	3	e	e	X
fsr-3532	333	4	m	m	PROPN
fsr-3532	333	5	p	p	PROPN
fsr-3532	333	6	lo	lo	PROPN
fsr-3532	333	7	y	y	NOUN
fsr-3532	333	8	m	m	VERB
fsr-3532	333	9	en	en	ADP
fsr-3532	333	10	t	t	PROPN
fsr-3532	333	11	(	(	PUNCT
fsr-3532	333	12	w	w	PROPN
fsr-3532	333	13	o	o	X
fsr-3532	333	14	rk	rk	NOUN
fsr-3532	333	15	in	in	ADP
fsr-3532	333	16	g	g	NOUN
fsr-3532	333	17	)	)	PUNCT
fsr-3532	333	18	n	n	ADV
fsr-3532	333	19	o	o	NOUN
fsr-3532	333	20	t	t	NOUN
fsr-3532	333	21	w	w	NOUN
fsr-3532	333	22	o	o	X
fsr-3532	333	23	rk	rk	NOUN
fsr-3532	333	24	in	in	ADP
fsr-3532	333	25	g	g	PROPN
fsr-3532	333	26	%	%	NOUN
fsr-3532	333	27	0	0	NUM
fsr-3532	333	28	.0	.0	NUM
fsr-3532	333	29	1	1	NUM
fsr-3532	333	30	7	7	NUM
fsr-3532	333	31	6	6	NUM
fsr-3532	333	32	(	(	PUNCT
fsr-3532	333	33	0	0	NUM
fsr-3532	333	34	.0	.0	NUM
fsr-3532	333	35	2	2	NUM
fsr-3532	333	36	2	2	NUM
fsr-3532	333	37	2	2	NUM
fsr-3532	333	38	)	)	PUNCT
fsr-3532	333	39	%	%	NOUN
fsr-3532	333	40	0	0	PUNCT
fsr-3532	333	41	.1	.1	NUM
fsr-3532	333	42	0	0	NUM
fsr-3532	333	43	2	2	NUM
fsr-3532	333	44	1	1	NUM
fsr-3532	333	45	(	(	PUNCT
fsr-3532	333	46	0	0	NUM
fsr-3532	333	47	.0	.0	NUM
fsr-3532	333	48	2	2	NUM
fsr-3532	333	49	12	12	NUM
fsr-3532	333	50	)	)	PUNCT
fsr-3532	333	51	*	*	PUNCT
fsr-3532	334	1	*	*	PUNCT
fsr-3532	334	2	*	*	PUNCT
fsr-3532	334	3	%	%	NOUN
fsr-3532	334	4	0	0	PUNCT
fsr-3532	335	1	.1	.1	NUM
fsr-3532	335	2	3	3	NUM
fsr-3532	335	3	8	8	NUM
fsr-3532	335	4	6	6	NUM
fsr-3532	335	5	(	(	PUNCT
fsr-3532	335	6	0	0	NUM
fsr-3532	335	7	.0	.0	NUM
fsr-3532	335	8	1	1	NUM
fsr-3532	335	9	8	8	NUM
fsr-3532	335	10	8	8	NUM
fsr-3532	335	11	)	)	PUNCT
fsr-3532	336	1	*	*	PUNCT
fsr-3532	337	1	*	*	PUNCT
fsr-3532	337	2	*	*	PUNCT
fsr-3532	337	3	r	r	X
fsr-3532	337	4	et	et	NOUN
fsr-3532	337	5	ir	ir	PROPN
fsr-3532	337	6	ed	ed	NOUN
fsr-3532	337	7	0	0	NUM
fsr-3532	337	8	.0	.0	NUM
fsr-3532	337	9	5	5	NUM
fsr-3532	337	10	1	1	NUM
fsr-3532	337	11	7	7	NUM
fsr-3532	337	12	(	(	PUNCT
fsr-3532	337	13	0	0	NUM
fsr-3532	337	14	.0	.0	NUM
fsr-3532	337	15	2	2	NUM
fsr-3532	337	16	4	4	NUM
fsr-3532	337	17	4	4	NUM
fsr-3532	337	18	)	)	PUNCT
fsr-3532	337	19	*	*	PUNCT
fsr-3532	338	1	*	*	PUNCT
fsr-3532	338	2	o	o	INTJ
fsr-3532	338	3	m	m	VERB
fsr-3532	338	4	it	it	PRON
fsr-3532	338	5	te	te	ADP
fsr-3532	339	1	d	d	X
fsr-3532	339	2	o	o	X
fsr-3532	339	3	m	m	VERB
fsr-3532	339	4	it	it	PRON
fsr-3532	339	5	te	te	ADP
fsr-3532	340	1	d	d	X
fsr-3532	340	2	o	o	X
fsr-3532	340	3	m	m	VERB
fsr-3532	340	4	it	it	PRON
fsr-3532	340	5	te	te	ADP
fsr-3532	340	6	d	d	PRON
fsr-3532	340	7	%	%	NOUN
fsr-3532	340	8	0	0	NUM
fsr-3532	340	9	.3	.3	NUM
fsr-3532	340	10	2	2	NUM
fsr-3532	340	11	6	6	NUM
fsr-3532	340	12	1	1	NUM
fsr-3532	340	13	(	(	PUNCT
fsr-3532	340	14	0	0	NUM
fsr-3532	340	15	.0	.0	NUM
fsr-3532	340	16	2	2	NUM
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fsr-3532	340	18	0	0	NUM
fsr-3532	340	19	)	)	PUNCT
fsr-3532	341	1	*	*	PUNCT
fsr-3532	342	1	*	*	PUNCT
fsr-3532	342	2	*	*	PUNCT
fsr-3532	342	3	c	c	X
fsr-3532	342	4	h	h	NOUN
fsr-3532	342	5	il	il	PROPN
fsr-3532	342	6	d	d	PROPN
fsr-3532	342	7	re	re	ADP
fsr-3532	342	8	n	n	PROPN
fsr-3532	342	9	(	(	PUNCT
fsr-3532	342	10	n	n	CCONJ
fsr-3532	342	11	o	o	NOUN
fsr-3532	342	12	ch	ch	NOUN
fsr-3532	342	13	il	il	PROPN
fsr-3532	342	14	d	d	X
fsr-3532	342	15	re	re	X
fsr-3532	342	16	n	n	PROPN
fsr-3532	342	17	)	)	PUNCT
fsr-3532	342	18	0	0	NUM
fsr-3532	343	1	.0	.0	NUM
fsr-3532	343	2	1	1	NUM
fsr-3532	343	3	4	4	NUM
fsr-3532	343	4	6	6	NUM
fsr-3532	343	5	(	(	PUNCT
fsr-3532	343	6	0	0	NUM
fsr-3532	343	7	.0	.0	NUM
fsr-3532	343	8	1	1	NUM
fsr-3532	343	9	7	7	NUM
fsr-3532	343	10	6	6	NUM
fsr-3532	343	11	)	)	PUNCT
fsr-3532	343	12	0	0	NUM
fsr-3532	344	1	.0	.0	NUM
fsr-3532	344	2	7	7	NUM
fsr-3532	344	3	0	0	NUM
fsr-3532	344	4	4	4	NUM
fsr-3532	344	5	7	7	NUM
fsr-3532	344	6	(	(	PUNCT
fsr-3532	344	7	0	0	NUM
fsr-3532	344	8	.0	.0	NUM
fsr-3532	344	9	1	1	NUM
fsr-3532	344	10	93	93	NUM
fsr-3532	344	11	)	)	PUNCT
fsr-3532	344	12	*	*	PUNCT
fsr-3532	345	1	*	*	PUNCT
fsr-3532	345	2	*	*	PUNCT
fsr-3532	345	3	0	0	NUM
fsr-3532	346	1	.0	.0	NUM
fsr-3532	346	2	4	4	NUM
fsr-3532	346	3	9	9	NUM
fsr-3532	346	4	5	5	NUM
fsr-3532	346	5	7	7	NUM
fsr-3532	346	6	(	(	PUNCT
fsr-3532	346	7	0	0	NUM
fsr-3532	346	8	.0	.0	NUM
fsr-3532	346	9	1	1	NUM
fsr-3532	346	10	6	6	NUM
fsr-3532	346	11	0	0	NUM
fsr-3532	346	12	)	)	PUNCT
fsr-3532	346	13	*	*	PUNCT
fsr-3532	347	1	*	*	PUNCT
fsr-3532	347	2	*	*	PUNCT
fsr-3532	347	3	r	r	NOUN
fsr-3532	347	4	is	be	AUX
fsr-3532	347	5	k	k	PROPN
fsr-3532	347	6	to	to	PART
fsr-3532	347	7	le	le	PROPN
fsr-3532	347	8	ra	ra	PROPN
fsr-3532	347	9	n	n	PROPN
fsr-3532	347	10	ce	ce	PROPN
fsr-3532	347	11	(	(	PUNCT
fsr-3532	347	12	l	l	NOUN
fsr-3532	347	13	o	o	X
fsr-3532	347	14	w	w	X
fsr-3532	347	15	)	)	PUNCT
fsr-3532	347	16	m	m	VERB
fsr-3532	348	1	o	o	NOUN
fsr-3532	349	1	d	d	X
fsr-3532	349	2	er	er	INTJ
fsr-3532	349	3	at	at	ADP
fsr-3532	349	4	e	e	NOUN
fsr-3532	349	5	0	0	PUNCT
fsr-3532	349	6	.1	.1	NUM
fsr-3532	349	7	6	6	NUM
fsr-3532	349	8	3	3	NUM
fsr-3532	349	9	0	0	NUM
fsr-3532	349	10	(	(	PUNCT
fsr-3532	349	11	0	0	NUM
fsr-3532	349	12	.0	.0	NUM
fsr-3532	349	13	1	1	NUM
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fsr-3532	349	16	)	)	PUNCT
fsr-3532	349	17	*	*	PUNCT
fsr-3532	350	1	*	*	PUNCT
fsr-3532	351	1	*	*	PUNCT
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fsr-3532	351	5	6	6	NUM
fsr-3532	351	6	3	3	NUM
fsr-3532	351	7	4	4	NUM
fsr-3532	351	8	(	(	PUNCT
fsr-3532	351	9	0	0	NUM
fsr-3532	351	10	.0	.0	NUM
fsr-3532	351	11	1	1	NUM
fsr-3532	351	12	98	98	NUM
fsr-3532	351	13	)	)	PUNCT
fsr-3532	351	14	*	*	PUNCT
fsr-3532	352	1	*	*	PUNCT
fsr-3532	352	2	*	*	PUNCT
fsr-3532	352	3	0	0	NUM
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fsr-3532	353	2	9	9	NUM
fsr-3532	353	3	9	9	NUM
fsr-3532	353	4	3	3	NUM
fsr-3532	353	5	7	7	NUM
fsr-3532	353	6	(	(	PUNCT
fsr-3532	353	7	0	0	NUM
fsr-3532	353	8	.0	.0	NUM
fsr-3532	353	9	1	1	NUM
fsr-3532	353	10	5	5	NUM
fsr-3532	353	11	8	8	NUM
fsr-3532	353	12	)	)	PUNCT
fsr-3532	353	13	*	*	PUNCT
fsr-3532	354	1	*	*	PUNCT
fsr-3532	354	2	*	*	PUNCT
fsr-3532	354	3	h	h	INTJ
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fsr-3532	354	5	h	h	NOUN
fsr-3532	354	6	0	0	NUM
fsr-3532	355	1	.2	.2	NUM
fsr-3532	355	2	6	6	NUM
fsr-3532	355	3	2	2	NUM
fsr-3532	355	4	8	8	NUM
fsr-3532	355	5	(	(	PUNCT
fsr-3532	355	6	0	0	NUM
fsr-3532	355	7	.0	.0	NUM
fsr-3532	355	8	2	2	NUM
fsr-3532	355	9	3	3	NUM
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fsr-3532	355	11	)	)	PUNCT
fsr-3532	355	12	*	*	PUNCT
fsr-3532	356	1	*	*	PUNCT
fsr-3532	356	2	*	*	PUNCT
fsr-3532	356	3	0	0	NUM
fsr-3532	356	4	.1	.1	NUM
fsr-3532	356	5	5	5	NUM
fsr-3532	356	6	9	9	NUM
fsr-3532	356	7	8	8	NUM
fsr-3532	356	8	7	7	NUM
fsr-3532	356	9	(	(	PUNCT
fsr-3532	356	10	0	0	NUM
fsr-3532	356	11	.0	.0	NUM
fsr-3532	356	12	2	2	NUM
fsr-3532	356	13	68	68	NUM
fsr-3532	356	14	)	)	PUNCT
fsr-3532	356	15	*	*	PUNCT
fsr-3532	357	1	*	*	PUNCT
fsr-3532	358	1	*	*	PUNCT
fsr-3532	358	2	0	0	NUM
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fsr-3532	358	6	(	(	PUNCT
fsr-3532	358	7	0	0	NUM
fsr-3532	358	8	.0	.0	NUM
fsr-3532	358	9	2	2	NUM
fsr-3532	358	10	1	1	NUM
fsr-3532	358	11	8	8	NUM
fsr-3532	358	12	)	)	PUNCT
fsr-3532	358	13	*	*	PUNCT
fsr-3532	359	1	*	*	PUNCT
fsr-3532	359	2	*	*	PUNCT
fsr-3532	359	3	f	f	X
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fsr-3532	359	7	al	al	PROPN
fsr-3532	359	8	ly	ly	PROPN
fsr-3532	360	1	li	li	PROPN
fsr-3532	360	2	te	te	PROPN
fsr-3532	360	3	ra	ra	PROPN
fsr-3532	361	1	te	te	ADP
fsr-3532	361	2	0	0	NUM
fsr-3532	361	3	.0	.0	NUM
fsr-3532	361	4	3	3	NUM
fsr-3532	361	5	2	2	NUM
fsr-3532	361	6	7	7	NUM
fsr-3532	361	7	(	(	PUNCT
fsr-3532	361	8	0	0	NUM
fsr-3532	361	9	.0	.0	NUM
fsr-3532	361	10	1	1	NUM
fsr-3532	361	11	7	7	NUM
fsr-3532	361	12	2	2	NUM
fsr-3532	361	13	)	)	PUNCT
fsr-3532	361	14	*	*	PUNCT
fsr-3532	361	15	0	0	NUM
fsr-3532	362	1	.0	.0	NUM
fsr-3532	362	2	0	0	NUM
fsr-3532	362	3	2	2	NUM
fsr-3532	362	4	9	9	NUM
fsr-3532	362	5	4	4	NUM
fsr-3532	362	6	(	(	PUNCT
fsr-3532	362	7	0	0	NUM
fsr-3532	362	8	.0	.0	NUM
fsr-3532	362	9	1	1	NUM
fsr-3532	362	10	88	88	NUM
fsr-3532	362	11	)	)	PUNCT
fsr-3532	362	12	0	0	NUM
fsr-3532	363	1	.0	.0	NUM
fsr-3532	363	2	0	0	NUM
fsr-3532	363	3	5	5	NUM
fsr-3532	363	4	2	2	NUM
fsr-3532	363	5	7	7	NUM
fsr-3532	363	6	(	(	PUNCT
fsr-3532	363	7	0	0	NUM
fsr-3532	363	8	.0	.0	NUM
fsr-3532	363	9	1	1	NUM
fsr-3532	363	10	5	5	NUM
fsr-3532	363	11	8	8	NUM
fsr-3532	363	12	)	)	PUNCT
fsr-3532	363	13	n	n	CCONJ
fsr-3532	363	14	o	o	NOUN
fsr-3532	363	15	te	te	ADP
fsr-3532	363	16	s.	s.	PROPN
fsr-3532	364	1	f	f	PROPN
fsr-3532	365	1	o	o	NOUN
fsr-3532	365	2	r	r	X
fsr-3532	365	3	o	o	X
fsr-3532	365	4	w	w	NOUN
fsr-3532	365	5	n	n	X
fsr-3532	365	6	ir	ir	PROPN
fsr-3532	365	7	a	a	DET
fsr-3532	365	8	an	an	PROPN
fsr-3532	365	9	d	d	X
fsr-3532	365	10	co	co	NOUN
fsr-3532	365	11	n	n	PRON
fsr-3532	365	12	tr	tr	NOUN
fsr-3532	365	13	ib	ib	NOUN
fsr-3532	365	14	u	u	PROPN
fsr-3532	365	15	te	te	PROPN
fsr-3532	365	16	re	re	ADP
fsr-3532	365	17	g	g	PROPN
fsr-3532	365	18	u	u	X
fsr-3532	365	19	la	la	PROPN
fsr-3532	365	20	rl	rl	ADP
fsr-3532	365	21	y	y	PROPN
fsr-3532	365	22	to	to	PART
fsr-3532	365	23	re	re	VERB
fsr-3532	365	24	ti	ti	PROPN
fsr-3532	365	25	re	re	ADP
fsr-3532	365	26	m	m	PROPN
fsr-3532	365	27	en	en	ADP
fsr-3532	365	28	t	t	PROPN
fsr-3532	365	29	(	(	PUNCT
fsr-3532	365	30	n	n	X
fsr-3532	365	31	¼	¼	NOUN
fsr-3532	365	32	3	3	NUM
fsr-3532	365	33	,	,	PUNCT
fsr-3532	365	34	7	7	NUM
fsr-3532	365	35	9	9	NUM
fsr-3532	365	36	4	4	NUM
fsr-3532	365	37	)	)	PUNCT
fsr-3532	365	38	,	,	PUNCT
fsr-3532	365	39	fo	fo	ADP
fsr-3532	365	40	r	r	NOUN
fsr-3532	365	41	ca	can	AUX
fsr-3532	365	42	lc	lc	VERB
fsr-3532	365	43	u	u	PROPN
fsr-3532	365	44	la	la	ADP
fsr-3532	365	45	te	te	X
fsr-3532	365	46	re	re	ADP
fsr-3532	365	47	ti	ti	PROPN
fsr-3532	365	48	re	re	VERB
fsr-3532	365	49	m	m	PROPN
fsr-3532	365	50	en	en	PROPN
fsr-3532	365	51	t	t	PROPN
fsr-3532	365	52	n	n	ADV
fsr-3532	365	53	ee	ee	VERB
fsr-3532	365	54	d	d	PROPN
fsr-3532	365	55	s	s	PROPN
fsr-3532	365	56	(	(	PUNCT
fsr-3532	365	57	n	n	CCONJ
fsr-3532	365	58	¼	¼	NOUN
fsr-3532	365	59	2	2	NUM
fsr-3532	365	60	,	,	PUNCT
fsr-3532	365	61	9	9	NUM
fsr-3532	365	62	4	4	NUM
fsr-3532	365	63	8	8	NUM
fsr-3532	365	64	)	)	PUNCT
fsr-3532	365	65	.	.	PUNCT
fsr-3532	366	1	d	d	PUNCT
fsr-3532	366	2	en	en	X
fsr-3532	366	3	o	o	X
fsr-3532	366	4	te	te	X
fsr-3532	366	5	s	s	X
fsr-3532	366	6	si	si	PROPN
fsr-3532	366	7	g	g	PROPN
fsr-3532	366	8	n	n	PROPN
fsr-3532	366	9	ifi	ifi	PROPN
fsr-3532	366	10	ca	ca	PROPN
fsr-3532	366	11	n	n	ADV
fsr-3532	366	12	ce	ce	PROPN
fsr-3532	366	13	at	at	ADP
fsr-3532	366	14	th	th	X
fsr-3532	366	15	e	e	NOUN
fsr-3532	367	1	fo	fo	INTJ
fsr-3532	367	2	ll	ll	AUX
fsr-3532	367	3	o	o	VERB
fsr-3532	367	4	w	w	NOUN
fsr-3532	367	5	in	in	ADP
fsr-3532	367	6	g	g	PROPN
fsr-3532	367	7	le	le	X
fsr-3532	367	8	v	v	PROPN
fsr-3532	367	9	el	el	PROPN
fsr-3532	367	10	s	s	PROPN
fsr-3532	367	11	:	:	PUNCT
fsr-3532	367	12	*	*	PUNCT
fsr-3532	367	13	p	p	X
fsr-3532	367	14	<	<	X
fsr-3532	367	15	.1	.1	PROPN
fsr-3532	367	16	,	,	PUNCT
fsr-3532	367	17	*	*	PUNCT
fsr-3532	368	1	*	*	PUNCT
fsr-3532	368	2	p	p	X
fsr-3532	368	3	<	<	X
fsr-3532	368	4	.0	.0	NUM
fsr-3532	368	5	5	5	NUM
fsr-3532	368	6	,	,	PUNCT
fsr-3532	368	7	*	*	PUNCT
fsr-3532	369	1	*	*	PUNCT
fsr-3532	369	2	*	*	PUNCT
fsr-3532	369	3	p	p	X
fsr-3532	369	4	<	<	X
fsr-3532	369	5	.0	.0	NUM
fsr-3532	369	6	1	1	NUM
fsr-3532	369	7	.	.	PUNCT
fsr-3532	370	1	b	b	X
fsr-3532	370	2	ei	ei	ADP
fsr-3532	370	3	n	n	CCONJ
fsr-3532	370	4	g	g	NOUN
fsr-3532	370	5	re	re	X
fsr-3532	370	6	ti	ti	X
fsr-3532	370	7	re	re	ADP
fsr-3532	370	8	d	d	PROPN
fsr-3532	370	9	is	be	AUX
fsr-3532	370	10	a	a	DET
fsr-3532	370	11	p	p	X
fsr-3532	370	12	er	er	INTJ
fsr-3532	370	13	fe	fe	NOUN
fsr-3532	370	14	ct	ct	NUM
fsr-3532	370	15	p	p	X
fsr-3532	370	16	re	re	PROPN
fsr-3532	370	17	d	d	NOUN
fsr-3532	370	18	ic	ic	X
fsr-3532	370	19	to	to	ADP
fsr-3532	370	20	r	r	NOUN
fsr-3532	370	21	fo	fo	INTJ
fsr-3532	370	22	r	r	NOUN
fsr-3532	370	23	ca	can	AUX
fsr-3532	370	24	lc	lc	VERB
fsr-3532	370	25	u	u	NOUN
fsr-3532	370	26	la	la	X
fsr-3532	370	27	ti	ti	PROPN
fsr-3532	370	28	n	n	PRON
fsr-3532	370	29	g	g	NOUN
fsr-3532	370	30	re	re	X
fsr-3532	370	31	ti	ti	PROPN
fsr-3532	370	32	re	re	VERB
fsr-3532	370	33	m	m	PROPN
fsr-3532	370	34	en	en	PROPN
fsr-3532	370	35	t	t	PROPN
fsr-3532	370	36	n	n	NOUN
fsr-3532	370	37	ee	ee	VERB
fsr-3532	370	38	d	d	PROPN
fsr-3532	370	39	s	s	PROPN
fsr-3532	370	40	an	an	DET
fsr-3532	370	41	d	d	X
fsr-3532	370	42	w	w	NOUN
fsr-3532	370	43	as	as	ADP
fsr-3532	370	44	d	d	PROPN
fsr-3532	370	45	ro	ro	NOUN
fsr-3532	371	1	p	p	NOUN
fsr-3532	371	2	p	p	PROPN
fsr-3532	372	1	ed	ed	NOUN
fsr-3532	373	1	fr	fr	INTJ
fsr-3532	374	1	o	o	INTJ
fsr-3532	374	2	m	m	VERB
fsr-3532	374	3	th	th	X
fsr-3532	374	4	e	e	X
fsr-3532	374	5	re	re	ADP
fsr-3532	374	6	g	g	PROPN
fsr-3532	374	7	re	re	ADP
fsr-3532	374	8	ss	ss	PROPN
fsr-3532	374	9	io	io	PROPN
fsr-3532	374	10	n	n	PROPN
fsr-3532	374	11	b	b	PROPN
fsr-3532	374	12	y	y	NOUN
fsr-3532	374	13	o	o	X
fsr-3532	374	14	u	u	NOUN
fsr-3532	374	15	r	r	NOUN
fsr-3532	374	16	so	so	ADV
fsr-3532	374	17	ft	ft	PROPN
fsr-3532	374	18	w	w	PROPN
fsr-3532	374	19	ar	ar	PROPN
fsr-3532	374	20	e.	e.	PROPN
fsr-3532	374	21	l.	l.	PROPN
fsr-3532	374	22	a.	a.	PROPN
fsr-3532	374	23	v.	v.	PROPN
fsr-3532	374	24	augustin	augustin	PROPN
fsr-3532	374	25	and	and	CCONJ
fsr-3532	374	26	t.	t.	PROPN
fsr-3532	374	27	k.	k.	PROPN
fsr-3532	374	28	martin	martin	PROPN
fsr-3532	374	29	/	/	SYM
fsr-3532	374	30	financial	financial	ADJ
fsr-3532	374	31	services	service	NOUN
fsr-3532	374	32	review	review	VERB
fsr-3532	374	33	31	31	NUM
fsr-3532	374	34	(	(	PUNCT
fsr-3532	374	35	2023	2023	NUM
fsr-3532	374	36	)	)	PUNCT
fsr-3532	375	1	151–167	151–167	NUM
fsr-3532	375	2	163	163	NUM
fsr-3532	375	3	military	military	NOUN
fsr-3532	375	4	were	be	AUX
fsr-3532	375	5	more	more	ADV
fsr-3532	375	6	likely	likely	ADJ
fsr-3532	375	7	to	to	PART
fsr-3532	375	8	own	own	VERB
fsr-3532	375	9	an	an	DET
fsr-3532	375	10	ira	ira	PROPN
fsr-3532	375	11	than	than	ADP
fsr-3532	375	12	those	those	PRON
fsr-3532	375	13	who	who	PRON
fsr-3532	375	14	got	get	VERB
fsr-3532	375	15	financial	financial	ADJ
fsr-3532	375	16	education	education	NOUN
fsr-3532	375	17	in	in	ADP
fsr-3532	375	18	college	college	NOUN
fsr-3532	375	19	.	.	PUNCT
fsr-3532	376	1	individuals	individual	NOUN
fsr-3532	376	2	with	with	ADP
fsr-3532	376	3	three	three	NUM
fsr-3532	376	4	exposures	exposure	NOUN
fsr-3532	376	5	to	to	ADP
fsr-3532	376	6	financial	financial	ADJ
fsr-3532	376	7	education	education	NOUN
fsr-3532	376	8	were	be	AUX
fsr-3532	376	9	more	more	ADV
fsr-3532	376	10	likely	likely	ADJ
fsr-3532	376	11	to	to	PART
fsr-3532	376	12	own	own	VERB
fsr-3532	376	13	an	an	DET
fsr-3532	376	14	ira	ira	PROPN
fsr-3532	376	15	than	than	ADP
fsr-3532	376	16	those	those	PRON
fsr-3532	376	17	with	with	ADP
fsr-3532	376	18	one	one	NUM
fsr-3532	376	19	exposure	exposure	NOUN
fsr-3532	376	20	.	.	PUNCT
fsr-3532	377	1	we	we	PRON
fsr-3532	377	2	found	find	VERB
fsr-3532	377	3	that	that	SCONJ
fsr-3532	377	4	as	as	SCONJ
fsr-3532	377	5	age	age	NOUN
fsr-3532	377	6	increased	increase	VERB
fsr-3532	377	7	,	,	PUNCT
fsr-3532	377	8	individuals	individual	NOUN
fsr-3532	377	9	were	be	AUX
fsr-3532	377	10	more	more	ADV
fsr-3532	377	11	likely	likely	ADJ
fsr-3532	377	12	to	to	PART
fsr-3532	377	13	own	own	VERB
fsr-3532	377	14	an	an	DET
fsr-3532	377	15	ira	ira	PROPN
fsr-3532	377	16	.	.	PUNCT
fsr-3532	378	1	consistent	consistent	ADJ
fsr-3532	378	2	with	with	ADP
fsr-3532	378	3	theory	theory	NOUN
fsr-3532	378	4	,	,	PUNCT
fsr-3532	378	5	we	we	PRON
fsr-3532	378	6	found	find	VERB
fsr-3532	378	7	that	that	SCONJ
fsr-3532	378	8	at	at	ADP
fsr-3532	378	9	both	both	CCONJ
fsr-3532	378	10	the	the	DET
fsr-3532	378	11	accumulation	accumulation	NOUN
fsr-3532	378	12	and	and	CCONJ
fsr-3532	378	13	distribution	distribution	NOUN
fsr-3532	378	14	stages	stage	NOUN
fsr-3532	378	15	,	,	PUNCT
fsr-3532	378	16	individuals	individual	NOUN
fsr-3532	378	17	were	be	AUX
fsr-3532	378	18	more	more	ADV
fsr-3532	378	19	likely	likely	ADJ
fsr-3532	378	20	to	to	PART
fsr-3532	378	21	own	own	VERB
fsr-3532	378	22	an	an	DET
fsr-3532	378	23	ira	ira	PROPN
fsr-3532	378	24	than	than	ADP
fsr-3532	378	25	at	at	ADP
fsr-3532	378	26	the	the	DET
fsr-3532	378	27	acquisition	acquisition	NOUN
fsr-3532	378	28	stage	stage	NOUN
fsr-3532	378	29	.	.	PUNCT
fsr-3532	379	1	we	we	PRON
fsr-3532	379	2	found	find	VERB
fsr-3532	379	3	that	that	SCONJ
fsr-3532	379	4	whites	white	NOUN
fsr-3532	379	5	were	be	AUX
fsr-3532	379	6	more	more	ADV
fsr-3532	379	7	likely	likely	ADJ
fsr-3532	379	8	to	to	PART
fsr-3532	379	9	own	own	VERB
fsr-3532	379	10	an	an	DET
fsr-3532	379	11	ira	ira	PROPN
fsr-3532	379	12	than	than	ADP
fsr-3532	379	13	nonwhites	nonwhite	NOUN
fsr-3532	379	14	.	.	PUNCT
fsr-3532	380	1	we	we	PRON
fsr-3532	380	2	found	find	VERB
fsr-3532	380	3	that	that	SCONJ
fsr-3532	380	4	as	as	SCONJ
fsr-3532	380	5	income	income	NOUN
fsr-3532	380	6	increases	increase	VERB
fsr-3532	380	7	individuals	individual	NOUN
fsr-3532	380	8	are	be	AUX
fsr-3532	380	9	more	more	ADV
fsr-3532	380	10	likely	likely	ADJ
fsr-3532	380	11	to	to	PART
fsr-3532	380	12	own	own	VERB
fsr-3532	380	13	an	an	DET
fsr-3532	380	14	ira	ira	PROPN
fsr-3532	380	15	.	.	PUNCT
fsr-3532	381	1	individuals	individual	NOUN
fsr-3532	381	2	with	with	ADP
fsr-3532	381	3	a	a	DET
fsr-3532	381	4	college	college	NOUN
fsr-3532	381	5	education	education	NOUN
fsr-3532	381	6	were	be	AUX
fsr-3532	381	7	more	more	ADV
fsr-3532	381	8	likely	likely	ADJ
fsr-3532	381	9	to	to	PART
fsr-3532	381	10	own	own	VERB
fsr-3532	381	11	an	an	DET
fsr-3532	381	12	ira	ira	PROPN
fsr-3532	381	13	than	than	ADP
fsr-3532	381	14	those	those	PRON
fsr-3532	381	15	with	with	ADP
fsr-3532	381	16	no	no	DET
fsr-3532	381	17	degree	degree	NOUN
fsr-3532	381	18	,	,	PUNCT
fsr-3532	381	19	and	and	CCONJ
fsr-3532	381	20	married	married	ADJ
fsr-3532	381	21	respondents	respondent	NOUN
fsr-3532	381	22	were	be	AUX
fsr-3532	381	23	more	more	ADV
fsr-3532	381	24	likely	likely	ADJ
fsr-3532	381	25	to	to	PART
fsr-3532	381	26	own	own	VERB
fsr-3532	381	27	an	an	DET
fsr-3532	381	28	ira	ira	PROPN
fsr-3532	381	29	than	than	ADP
fsr-3532	381	30	those	those	PRON
fsr-3532	381	31	who	who	PRON
fsr-3532	381	32	were	be	AUX
fsr-3532	381	33	not	not	PART
fsr-3532	381	34	married	married	ADJ
fsr-3532	381	35	.	.	PUNCT
fsr-3532	382	1	retired	retire	VERB
fsr-3532	382	2	individuals	individual	NOUN
fsr-3532	382	3	were	be	AUX
fsr-3532	382	4	more	more	ADV
fsr-3532	382	5	likely	likely	ADJ
fsr-3532	382	6	to	to	PART
fsr-3532	382	7	own	own	VERB
fsr-3532	382	8	an	an	DET
fsr-3532	382	9	ira	ira	PROPN
fsr-3532	382	10	than	than	ADP
fsr-3532	382	11	those	those	PRON
fsr-3532	382	12	still	still	ADV
fsr-3532	382	13	in	in	ADP
fsr-3532	382	14	the	the	DET
fsr-3532	382	15	work	work	NOUN
fsr-3532	382	16	force	force	NOUN
fsr-3532	382	17	and	and	CCONJ
fsr-3532	382	18	as	as	SCONJ
fsr-3532	382	19	risk	risk	NOUN
fsr-3532	382	20	tolerance	tolerance	NOUN
fsr-3532	382	21	increases	increase	VERB
fsr-3532	382	22	individuals	individual	NOUN
fsr-3532	382	23	were	be	AUX
fsr-3532	382	24	more	more	ADV
fsr-3532	382	25	likely	likely	ADJ
fsr-3532	382	26	to	to	PART
fsr-3532	382	27	own	own	VERB
fsr-3532	382	28	an	an	DET
fsr-3532	382	29	ira	ira	PROPN
fsr-3532	382	30	than	than	ADP
fsr-3532	382	31	those	those	PRON
fsr-3532	382	32	with	with	ADP
fsr-3532	382	33	low	low	ADJ
fsr-3532	382	34	risk	risk	NOUN
fsr-3532	382	35	tolerance	tolerance	NOUN
fsr-3532	382	36	.	.	PUNCT
fsr-3532	383	1	finally	finally	ADV
fsr-3532	383	2	,	,	PUNCT
fsr-3532	383	3	we	we	PRON
fsr-3532	383	4	found	find	VERB
fsr-3532	383	5	that	that	SCONJ
fsr-3532	383	6	financially	financially	ADV
fsr-3532	383	7	literate	literate	ADJ
fsr-3532	383	8	individuals	individual	NOUN
fsr-3532	383	9	were	be	AUX
fsr-3532	383	10	more	more	ADV
fsr-3532	383	11	likely	likely	ADJ
fsr-3532	383	12	to	to	PART
fsr-3532	383	13	own	own	VERB
fsr-3532	383	14	an	an	DET
fsr-3532	383	15	ira	ira	PROPN
fsr-3532	383	16	than	than	ADP
fsr-3532	383	17	those	those	PRON
fsr-3532	383	18	who	who	PRON
fsr-3532	383	19	were	be	AUX
fsr-3532	383	20	not	not	PART
fsr-3532	383	21	.	.	PUNCT
fsr-3532	384	1	5.4	5.4	NUM
fsr-3532	384	2	.	.	PUNCT
fsr-3532	385	1	calculating	calculate	VERB
fsr-3532	385	2	retirement	retirement	NOUN
fsr-3532	385	3	needs	need	VERB
fsr-3532	385	4	the	the	DET
fsr-3532	385	5	sample	sample	NOUN
fsr-3532	385	6	size	size	NOUN
fsr-3532	385	7	for	for	ADP
fsr-3532	385	8	this	this	DET
fsr-3532	385	9	regression	regression	NOUN
fsr-3532	385	10	is	be	AUX
fsr-3532	385	11	2,948	2,948	NUM
fsr-3532	385	12	.	.	PUNCT
fsr-3532	386	1	we	we	PRON
fsr-3532	386	2	found	find	VERB
fsr-3532	386	3	that	that	SCONJ
fsr-3532	386	4	respondents	respondent	NOUN
fsr-3532	386	5	who	who	PRON
fsr-3532	386	6	get	get	VERB
fsr-3532	386	7	financial	financial	ADJ
fsr-3532	386	8	education	education	NOUN
fsr-3532	386	9	at	at	ADP
fsr-3532	386	10	work	work	NOUN
fsr-3532	386	11	and	and	CCONJ
fsr-3532	386	12	in	in	ADP
fsr-3532	386	13	the	the	DET
fsr-3532	386	14	military	military	NOUN
fsr-3532	386	15	were	be	AUX
fsr-3532	386	16	more	more	ADV
fsr-3532	386	17	likely	likely	ADJ
fsr-3532	386	18	to	to	PART
fsr-3532	386	19	calculate	calculate	VERB
fsr-3532	386	20	retirement	retirement	NOUN
fsr-3532	386	21	needs	need	NOUN
fsr-3532	386	22	compared	compare	VERB
fsr-3532	386	23	to	to	ADP
fsr-3532	386	24	those	those	PRON
fsr-3532	386	25	who	who	PRON
fsr-3532	386	26	get	get	VERB
fsr-3532	386	27	it	it	PRON
fsr-3532	386	28	in	in	ADP
fsr-3532	386	29	high	high	ADJ
fsr-3532	386	30	school	school	NOUN
fsr-3532	386	31	.	.	PUNCT
fsr-3532	387	1	we	we	PRON
fsr-3532	387	2	found	find	VERB
fsr-3532	387	3	a	a	DET
fsr-3532	387	4	high	high	ADJ
fsr-3532	387	5	,	,	PUNCT
fsr-3532	387	6	statistically	statistically	ADV
fsr-3532	387	7	significant	significant	ADJ
fsr-3532	387	8	positive	positive	ADJ
fsr-3532	387	9	relationship	relationship	NOUN
fsr-3532	387	10	between	between	ADP
fsr-3532	387	11	getting	get	VERB
fsr-3532	387	12	financial	financial	ADJ
fsr-3532	387	13	education	education	NOUN
fsr-3532	387	14	three	three	NUM
fsr-3532	387	15	times	time	NOUN
fsr-3532	387	16	and	and	CCONJ
fsr-3532	387	17	calculating	calculate	VERB
fsr-3532	387	18	retirement	retirement	NOUN
fsr-3532	387	19	needs	need	NOUN
fsr-3532	387	20	.	.	PUNCT
fsr-3532	388	1	we	we	PRON
fsr-3532	388	2	found	find	VERB
fsr-3532	388	3	that	that	SCONJ
fsr-3532	388	4	respondents	respondent	NOUN
fsr-3532	388	5	in	in	ADP
fsr-3532	388	6	the	the	DET
fsr-3532	388	7	accumulation	accumulation	NOUN
fsr-3532	388	8	and	and	CCONJ
fsr-3532	388	9	distribution	distribution	NOUN
fsr-3532	388	10	phases	phase	NOUN
fsr-3532	388	11	were	be	AUX
fsr-3532	388	12	more	more	ADV
fsr-3532	388	13	likely	likely	ADJ
fsr-3532	388	14	to	to	PART
fsr-3532	388	15	calculate	calculate	VERB
fsr-3532	388	16	retirement	retirement	NOUN
fsr-3532	388	17	needs	need	NOUN
fsr-3532	388	18	compared	compare	VERB
fsr-3532	388	19	to	to	ADP
fsr-3532	388	20	those	those	PRON
fsr-3532	388	21	in	in	ADP
fsr-3532	388	22	the	the	DET
fsr-3532	388	23	acquisition	acquisition	NOUN
fsr-3532	388	24	phase	phase	NOUN
fsr-3532	388	25	.	.	PUNCT
fsr-3532	389	1	we	we	PRON
fsr-3532	389	2	found	find	VERB
fsr-3532	389	3	that	that	SCONJ
fsr-3532	389	4	as	as	SCONJ
fsr-3532	389	5	income	income	NOUN
fsr-3532	389	6	increases	increase	VERB
fsr-3532	389	7	individuals	individual	NOUN
fsr-3532	389	8	were	be	AUX
fsr-3532	389	9	also	also	ADV
fsr-3532	389	10	more	more	ADV
fsr-3532	389	11	likely	likely	ADJ
fsr-3532	389	12	to	to	PART
fsr-3532	389	13	have	have	AUX
fsr-3532	389	14	calculated	calculate	VERB
fsr-3532	389	15	retirement	retirement	NOUN
fsr-3532	389	16	needs	need	NOUN
fsr-3532	389	17	.	.	PUNCT
fsr-3532	390	1	we	we	PRON
fsr-3532	390	2	found	find	VERB
fsr-3532	390	3	that	that	SCONJ
fsr-3532	390	4	individuals	individual	NOUN
fsr-3532	390	5	who	who	PRON
fsr-3532	390	6	are	be	AUX
fsr-3532	390	7	not	not	PART
fsr-3532	390	8	working	work	VERB
fsr-3532	390	9	were	be	AUX
fsr-3532	390	10	less	less	ADV
fsr-3532	390	11	likely	likely	ADJ
fsr-3532	390	12	to	to	PART
fsr-3532	390	13	calculate	calculate	VERB
fsr-3532	390	14	retirement	retirement	NOUN
fsr-3532	390	15	needs	need	NOUN
fsr-3532	390	16	than	than	ADP
fsr-3532	390	17	those	those	PRON
fsr-3532	390	18	who	who	PRON
fsr-3532	390	19	are	be	AUX
fsr-3532	390	20	working	work	VERB
fsr-3532	390	21	.	.	PUNCT
fsr-3532	391	1	having	have	VERB
fsr-3532	391	2	children	child	NOUN
fsr-3532	391	3	increases	increase	VERB
fsr-3532	391	4	the	the	DET
fsr-3532	391	5	likelihood	likelihood	NOUN
fsr-3532	391	6	of	of	ADP
fsr-3532	391	7	calculating	calculate	VERB
fsr-3532	391	8	retirement	retirement	NOUN
fsr-3532	391	9	needs	need	NOUN
fsr-3532	391	10	.	.	PUNCT
fsr-3532	392	1	we	we	PRON
fsr-3532	392	2	found	find	VERB
fsr-3532	392	3	that	that	SCONJ
fsr-3532	392	4	both	both	DET
fsr-3532	392	5	moderate	moderate	ADJ
fsr-3532	392	6	and	and	CCONJ
fsr-3532	392	7	high	high	ADJ
fsr-3532	392	8	risk	risk	NOUN
fsr-3532	392	9	tolerance	tolerance	NOUN
fsr-3532	392	10	levels	level	NOUN
fsr-3532	392	11	increase	increase	VERB
fsr-3532	392	12	the	the	DET
fsr-3532	392	13	likelihood	likelihood	NOUN
fsr-3532	392	14	of	of	ADP
fsr-3532	392	15	calculating	calculate	VERB
fsr-3532	392	16	retirement	retirement	NOUN
fsr-3532	392	17	needs	need	NOUN
fsr-3532	392	18	,	,	PUNCT
fsr-3532	392	19	compared	compare	VERB
fsr-3532	392	20	to	to	ADP
fsr-3532	392	21	those	those	PRON
fsr-3532	392	22	with	with	ADP
fsr-3532	392	23	low	low	ADJ
fsr-3532	392	24	risk	risk	NOUN
fsr-3532	392	25	tolerance	tolerance	NOUN
fsr-3532	392	26	.	.	PUNCT
fsr-3532	393	1	5.5	5.5	NUM
fsr-3532	393	2	.	.	PUNCT
fsr-3532	394	1	contributing	contribute	VERB
fsr-3532	394	2	regularly	regularly	ADV
fsr-3532	394	3	to	to	ADP
fsr-3532	394	4	retirement	retirement	NOUN
fsr-3532	394	5	individuals	individual	NOUN
fsr-3532	394	6	who	who	PRON
fsr-3532	394	7	get	get	VERB
fsr-3532	394	8	financial	financial	ADJ
fsr-3532	394	9	education	education	NOUN
fsr-3532	394	10	in	in	ADP
fsr-3532	394	11	college	college	NOUN
fsr-3532	394	12	are	be	AUX
fsr-3532	394	13	more	more	ADV
fsr-3532	394	14	likely	likely	ADJ
fsr-3532	394	15	to	to	PART
fsr-3532	394	16	contribute	contribute	VERB
fsr-3532	394	17	regularly	regularly	ADV
fsr-3532	394	18	to	to	ADP
fsr-3532	394	19	retirement	retirement	NOUN
fsr-3532	394	20	than	than	ADP
fsr-3532	394	21	those	those	PRON
fsr-3532	394	22	who	who	PRON
fsr-3532	394	23	get	get	VERB
fsr-3532	394	24	a	a	DET
fsr-3532	394	25	financial	financial	ADJ
fsr-3532	394	26	education	education	NOUN
fsr-3532	394	27	in	in	ADP
fsr-3532	394	28	high	high	ADJ
fsr-3532	394	29	school	school	NOUN
fsr-3532	394	30	.	.	PUNCT
fsr-3532	395	1	we	we	PRON
fsr-3532	395	2	found	find	VERB
fsr-3532	395	3	that	that	SCONJ
fsr-3532	395	4	getting	get	VERB
fsr-3532	395	5	a	a	DET
fsr-3532	395	6	financial	financial	ADJ
fsr-3532	395	7	education	education	NOUN
fsr-3532	395	8	at	at	ADP
fsr-3532	395	9	work	work	NOUN
fsr-3532	395	10	increases	increase	VERB
fsr-3532	395	11	the	the	DET
fsr-3532	395	12	likelihood	likelihood	NOUN
fsr-3532	395	13	of	of	ADP
fsr-3532	395	14	contributing	contribute	VERB
fsr-3532	395	15	regularly	regularly	ADV
fsr-3532	395	16	towards	towards	ADP
fsr-3532	395	17	retirement	retirement	NOUN
fsr-3532	395	18	,	,	PUNCT
fsr-3532	395	19	compared	compare	VERB
fsr-3532	395	20	to	to	ADP
fsr-3532	395	21	getting	get	VERB
fsr-3532	395	22	a	a	DET
fsr-3532	395	23	financial	financial	ADJ
fsr-3532	395	24	education	education	NOUN
fsr-3532	395	25	in	in	ADP
fsr-3532	395	26	high	high	ADJ
fsr-3532	395	27	school	school	NOUN
fsr-3532	395	28	.	.	PUNCT
fsr-3532	396	1	we	we	PRON
fsr-3532	396	2	found	find	VERB
fsr-3532	396	3	that	that	SCONJ
fsr-3532	396	4	at	at	ADP
fsr-3532	396	5	the	the	DET
fsr-3532	396	6	distribution	distribution	NOUN
fsr-3532	396	7	stage	stage	NOUN
fsr-3532	396	8	individuals	individual	NOUN
fsr-3532	396	9	were	be	AUX
fsr-3532	396	10	less	less	ADV
fsr-3532	396	11	likely	likely	ADJ
fsr-3532	396	12	to	to	PART
fsr-3532	396	13	contribute	contribute	VERB
fsr-3532	396	14	regularly	regularly	ADV
fsr-3532	396	15	to	to	ADP
fsr-3532	396	16	retirement	retirement	NOUN
fsr-3532	396	17	than	than	ADP
fsr-3532	396	18	those	those	PRON
fsr-3532	396	19	in	in	ADP
fsr-3532	396	20	the	the	DET
fsr-3532	396	21	acquisition	acquisition	NOUN
fsr-3532	396	22	stage	stage	NOUN
fsr-3532	396	23	,	,	PUNCT
fsr-3532	396	24	consistent	consistent	ADJ
fsr-3532	396	25	with	with	ADP
fsr-3532	396	26	the	the	DET
fsr-3532	396	27	life	life	NOUN
fsr-3532	396	28	cycle	cycle	NOUN
fsr-3532	396	29	theory	theory	NOUN
fsr-3532	396	30	.	.	PUNCT
fsr-3532	397	1	individuals	individual	NOUN
fsr-3532	397	2	with	with	ADP
fsr-3532	397	3	moderate	moderate	ADJ
fsr-3532	397	4	and	and	CCONJ
fsr-3532	397	5	high	high	ADJ
fsr-3532	397	6	incomes	income	NOUN
fsr-3532	397	7	were	be	AUX
fsr-3532	397	8	more	more	ADV
fsr-3532	397	9	likely	likely	ADJ
fsr-3532	397	10	to	to	PART
fsr-3532	397	11	contribute	contribute	VERB
fsr-3532	397	12	regularly	regularly	ADV
fsr-3532	397	13	to	to	ADP
fsr-3532	397	14	retirement	retirement	NOUN
fsr-3532	397	15	than	than	ADP
fsr-3532	397	16	those	those	PRON
fsr-3532	397	17	with	with	ADP
fsr-3532	397	18	low	low	ADJ
fsr-3532	397	19	incomes	income	NOUN
fsr-3532	397	20	.	.	PUNCT
fsr-3532	398	1	we	we	PRON
fsr-3532	398	2	found	find	VERB
fsr-3532	398	3	that	that	SCONJ
fsr-3532	398	4	having	have	VERB
fsr-3532	398	5	a	a	DET
fsr-3532	398	6	college	college	NOUN
fsr-3532	398	7	degree	degree	NOUN
fsr-3532	398	8	and	and	CCONJ
fsr-3532	398	9	being	be	AUX
fsr-3532	398	10	married	married	ADJ
fsr-3532	398	11	increases	increase	VERB
fsr-3532	398	12	the	the	DET
fsr-3532	398	13	likelihood	likelihood	NOUN
fsr-3532	398	14	of	of	ADP
fsr-3532	398	15	contributing	contribute	VERB
fsr-3532	398	16	regularly	regularly	ADV
fsr-3532	398	17	to	to	ADP
fsr-3532	398	18	retirement	retirement	NOUN
fsr-3532	398	19	,	,	PUNCT
fsr-3532	398	20	compared	compare	VERB
fsr-3532	398	21	to	to	ADP
fsr-3532	398	22	not	not	PART
fsr-3532	398	23	having	have	VERB
fsr-3532	398	24	a	a	DET
fsr-3532	398	25	college	college	NOUN
fsr-3532	398	26	degree	degree	NOUN
fsr-3532	398	27	and	and	CCONJ
fsr-3532	398	28	being	be	AUX
fsr-3532	398	29	unmarried	unmarried	ADJ
fsr-3532	398	30	.	.	PUNCT
fsr-3532	399	1	we	we	PRON
fsr-3532	399	2	found	find	VERB
fsr-3532	399	3	that	that	SCONJ
fsr-3532	399	4	individuals	individual	NOUN
fsr-3532	399	5	who	who	PRON
fsr-3532	399	6	are	be	AUX
fsr-3532	399	7	retired	retire	VERB
fsr-3532	399	8	or	or	CCONJ
fsr-3532	399	9	not	not	PART
fsr-3532	399	10	working	work	VERB
fsr-3532	399	11	were	be	AUX
fsr-3532	399	12	less	less	ADV
fsr-3532	399	13	likely	likely	ADJ
fsr-3532	399	14	to	to	PART
fsr-3532	399	15	contribute	contribute	VERB
fsr-3532	399	16	regularly	regularly	ADV
fsr-3532	399	17	to	to	ADP
fsr-3532	399	18	retirement	retirement	NOUN
fsr-3532	399	19	than	than	ADP
fsr-3532	399	20	those	those	PRON
fsr-3532	399	21	who	who	PRON
fsr-3532	399	22	are	be	AUX
fsr-3532	399	23	working	work	VERB
fsr-3532	399	24	.	.	PUNCT
fsr-3532	400	1	the	the	DET
fsr-3532	400	2	presence	presence	NOUN
fsr-3532	400	3	of	of	ADP
fsr-3532	400	4	children	child	NOUN
fsr-3532	400	5	increases	increase	VERB
fsr-3532	400	6	the	the	DET
fsr-3532	400	7	likelihood	likelihood	NOUN
fsr-3532	400	8	of	of	ADP
fsr-3532	400	9	contributing	contribute	VERB
fsr-3532	400	10	to	to	ADP
fsr-3532	400	11	retirement	retirement	NOUN
fsr-3532	400	12	compared	compare	VERB
fsr-3532	400	13	to	to	ADP
fsr-3532	400	14	those	those	PRON
fsr-3532	400	15	without	without	ADP
fsr-3532	400	16	children	child	NOUN
fsr-3532	400	17	.	.	PUNCT
fsr-3532	401	1	finally	finally	ADV
fsr-3532	401	2	,	,	PUNCT
fsr-3532	401	3	as	as	SCONJ
fsr-3532	401	4	risk	risk	NOUN
fsr-3532	401	5	tolerance	tolerance	NOUN
fsr-3532	401	6	increases	increase	NOUN
fsr-3532	401	7	so	so	ADV
fsr-3532	401	8	does	do	VERB
fsr-3532	401	9	the	the	DET
fsr-3532	401	10	likelihood	likelihood	NOUN
fsr-3532	401	11	of	of	ADP
fsr-3532	401	12	contributing	contribute	VERB
fsr-3532	401	13	to	to	ADP
fsr-3532	401	14	retirement	retirement	NOUN
fsr-3532	401	15	.	.	PUNCT
fsr-3532	402	1	164	164	NUM
fsr-3532	402	2	l.	l.	PROPN
fsr-3532	402	3	a.	a.	PROPN
fsr-3532	402	4	v.	v.	PROPN
fsr-3532	402	5	augustin	augustin	PROPN
fsr-3532	402	6	and	and	CCONJ
fsr-3532	402	7	t.	t.	PROPN
fsr-3532	402	8	k.	k.	PROPN
fsr-3532	402	9	martin	martin	PROPN
fsr-3532	402	10	/	/	SYM
fsr-3532	402	11	financial	financial	ADJ
fsr-3532	402	12	services	service	NOUN
fsr-3532	402	13	review	review	VERB
fsr-3532	402	14	31	31	NUM
fsr-3532	402	15	(	(	PUNCT
fsr-3532	402	16	2023	2023	NUM
fsr-3532	402	17	)	)	PUNCT
fsr-3532	402	18	151–167	151–167	NUM
fsr-3532	402	19	6	6	NUM
fsr-3532	402	20	.	.	PUNCT
fsr-3532	403	1	discussion	discussion	NOUN
fsr-3532	403	2	the	the	DET
fsr-3532	403	3	study	study	NOUN
fsr-3532	403	4	examines	examine	VERB
fsr-3532	403	5	the	the	DET
fsr-3532	403	6	association	association	NOUN
fsr-3532	403	7	between	between	ADP
fsr-3532	403	8	the	the	DET
fsr-3532	403	9	timing	timing	NOUN
fsr-3532	403	10	and	and	CCONJ
fsr-3532	403	11	frequency	frequency	NOUN
fsr-3532	403	12	of	of	ADP
fsr-3532	403	13	financial	financial	ADJ
fsr-3532	403	14	education	education	NOUN
fsr-3532	403	15	on	on	ADP
fsr-3532	403	16	financial	financial	ADJ
fsr-3532	403	17	behaviors	behavior	NOUN
fsr-3532	403	18	.	.	PUNCT
fsr-3532	404	1	we	we	PRON
fsr-3532	404	2	found	find	VERB
fsr-3532	404	3	evidence	evidence	NOUN
fsr-3532	404	4	that	that	SCONJ
fsr-3532	404	5	getting	get	VERB
fsr-3532	404	6	a	a	DET
fsr-3532	404	7	financial	financial	ADJ
fsr-3532	404	8	education	education	NOUN
fsr-3532	404	9	at	at	ADP
fsr-3532	404	10	work	work	NOUN
fsr-3532	404	11	has	have	AUX
fsr-3532	404	12	the	the	DET
fsr-3532	404	13	most	most	ADV
fsr-3532	404	14	significant	significant	ADJ
fsr-3532	404	15	association	association	NOUN
fsr-3532	404	16	with	with	ADP
fsr-3532	404	17	positive	positive	ADJ
fsr-3532	404	18	financial	financial	ADJ
fsr-3532	404	19	behaviors	behavior	NOUN
fsr-3532	404	20	.	.	PUNCT
fsr-3532	405	1	this	this	PRON
fsr-3532	405	2	indicates	indicate	VERB
fsr-3532	405	3	that	that	SCONJ
fsr-3532	405	4	getting	get	VERB
fsr-3532	405	5	financial	financial	ADJ
fsr-3532	405	6	education	education	NOUN
fsr-3532	405	7	at	at	ADP
fsr-3532	405	8	work	work	NOUN
fsr-3532	405	9	may	may	AUX
fsr-3532	405	10	highly	highly	ADV
fsr-3532	405	11	influence	influence	VERB
fsr-3532	405	12	the	the	DET
fsr-3532	405	13	decision	decision	NOUN
fsr-3532	405	14	to	to	PART
fsr-3532	405	15	own	own	VERB
fsr-3532	405	16	an	an	DET
fsr-3532	405	17	ira	ira	PROPN
fsr-3532	405	18	,	,	PUNCT
fsr-3532	405	19	calculate	calculate	VERB
fsr-3532	405	20	retirement	retirement	NOUN
fsr-3532	405	21	needs	need	NOUN
fsr-3532	405	22	,	,	PUNCT
fsr-3532	405	23	and	and	CCONJ
fsr-3532	405	24	regularly	regularly	ADV
fsr-3532	405	25	contribute	contribute	VERB
fsr-3532	405	26	to	to	ADP
fsr-3532	405	27	retirement	retirement	NOUN
fsr-3532	405	28	.	.	PUNCT
fsr-3532	406	1	we	we	PRON
fsr-3532	406	2	also	also	ADV
fsr-3532	406	3	found	find	VERB
fsr-3532	406	4	that	that	SCONJ
fsr-3532	406	5	three	three	NUM
fsr-3532	406	6	exposures	exposure	NOUN
fsr-3532	406	7	to	to	ADP
fsr-3532	406	8	financial	financial	ADJ
fsr-3532	406	9	education	education	NOUN
fsr-3532	406	10	have	have	VERB
fsr-3532	406	11	the	the	DET
fsr-3532	406	12	most	most	ADV
fsr-3532	406	13	significant	significant	ADJ
fsr-3532	406	14	association	association	NOUN
fsr-3532	406	15	with	with	ADP
fsr-3532	406	16	the	the	DET
fsr-3532	406	17	three	three	NUM
fsr-3532	406	18	positive	positive	ADJ
fsr-3532	406	19	financial	financial	ADJ
fsr-3532	406	20	behaviors	behavior	NOUN
fsr-3532	406	21	.	.	PUNCT
fsr-3532	407	1	this	this	PRON
fsr-3532	407	2	indicates	indicate	VERB
fsr-3532	407	3	that	that	PRON
fsr-3532	407	4	frequency	frequency	NOUN
fsr-3532	407	5	of	of	ADP
fsr-3532	407	6	financial	financial	ADJ
fsr-3532	407	7	education	education	NOUN
fsr-3532	407	8	may	may	AUX
fsr-3532	407	9	be	be	AUX
fsr-3532	407	10	vital	vital	ADJ
fsr-3532	407	11	to	to	ADP
fsr-3532	407	12	individuals	individual	NOUN
fsr-3532	407	13	making	make	VERB
fsr-3532	407	14	financial	financial	ADJ
fsr-3532	407	15	decisions	decision	NOUN
fsr-3532	407	16	.	.	PUNCT
fsr-3532	408	1	these	these	DET
fsr-3532	408	2	results	result	NOUN
fsr-3532	408	3	are	be	AUX
fsr-3532	408	4	consistent	consistent	ADJ
fsr-3532	408	5	with	with	ADP
fsr-3532	408	6	our	our	PRON
fsr-3532	408	7	hypotheses	hypothesis	NOUN
fsr-3532	408	8	that	that	SCONJ
fsr-3532	408	9	both	both	DET
fsr-3532	408	10	timing	timing	NOUN
fsr-3532	408	11	and	and	CCONJ
fsr-3532	408	12	frequency	frequency	NOUN
fsr-3532	408	13	are	be	AUX
fsr-3532	408	14	positively	positively	ADV
fsr-3532	408	15	associated	associate	VERB
fsr-3532	408	16	with	with	ADP
fsr-3532	408	17	positive	positive	ADJ
fsr-3532	408	18	financial	financial	ADJ
fsr-3532	408	19	behaviors	behavior	NOUN
fsr-3532	408	20	.	.	PUNCT
fsr-3532	409	1	theoretically	theoretically	ADV
fsr-3532	409	2	,	,	PUNCT
fsr-3532	409	3	we	we	PRON
fsr-3532	409	4	expect	expect	VERB
fsr-3532	409	5	to	to	PART
fsr-3532	409	6	see	see	VERB
fsr-3532	409	7	a	a	DET
fsr-3532	409	8	direct	direct	ADJ
fsr-3532	409	9	relationship	relationship	NOUN
fsr-3532	409	10	between	between	ADP
fsr-3532	409	11	financial	financial	ADJ
fsr-3532	409	12	education	education	NOUN
fsr-3532	409	13	and	and	CCONJ
fsr-3532	409	14	financial	financial	ADJ
fsr-3532	409	15	literacy	literacy	NOUN
fsr-3532	409	16	.	.	PUNCT
fsr-3532	410	1	the	the	DET
fsr-3532	410	2	more	more	ADV
fsr-3532	410	3	financial	financial	ADJ
fsr-3532	410	4	education	education	NOUN
fsr-3532	410	5	one	one	NOUN
fsr-3532	410	6	receives	receive	VERB
fsr-3532	410	7	,	,	PUNCT
fsr-3532	410	8	the	the	PRON
fsr-3532	410	9	more	more	ADV
fsr-3532	410	10	financially	financially	ADV
fsr-3532	410	11	literate	literate	ADJ
fsr-3532	410	12	we	we	PRON
fsr-3532	410	13	expect	expect	VERB
fsr-3532	410	14	that	that	SCONJ
fsr-3532	410	15	individual	individual	NOUN
fsr-3532	410	16	to	to	PART
fsr-3532	410	17	be	be	AUX
fsr-3532	410	18	.	.	PUNCT
fsr-3532	411	1	this	this	DET
fsr-3532	411	2	increased	increase	VERB
fsr-3532	411	3	financial	financial	ADJ
fsr-3532	411	4	literacy	literacy	NOUN
fsr-3532	411	5	would	would	AUX
fsr-3532	411	6	then	then	ADV
fsr-3532	411	7	have	have	VERB
fsr-3532	411	8	a	a	DET
fsr-3532	411	9	direct	direct	ADJ
fsr-3532	411	10	association	association	NOUN
fsr-3532	411	11	with	with	ADP
fsr-3532	411	12	the	the	DET
fsr-3532	411	13	financial	financial	ADJ
fsr-3532	411	14	decision	decision	NOUN
fsr-3532	411	15	quality	quality	NOUN
fsr-3532	411	16	that	that	PRON
fsr-3532	411	17	individuals	individual	NOUN
fsr-3532	411	18	make	make	VERB
fsr-3532	411	19	.	.	PUNCT
fsr-3532	412	1	based	base	VERB
fsr-3532	412	2	on	on	ADP
fsr-3532	412	3	the	the	DET
fsr-3532	412	4	results	result	NOUN
fsr-3532	412	5	of	of	ADP
fsr-3532	412	6	the	the	DET
fsr-3532	412	7	regression	regression	NOUN
fsr-3532	412	8	we	we	PRON
fsr-3532	412	9	fail	fail	VERB
fsr-3532	412	10	to	to	PART
fsr-3532	412	11	observe	observe	VERB
fsr-3532	412	12	significant	significant	ADJ
fsr-3532	412	13	evidence	evidence	NOUN
fsr-3532	412	14	that	that	SCONJ
fsr-3532	412	15	financial	financial	ADJ
fsr-3532	412	16	literacy	literacy	NOUN
fsr-3532	412	17	has	have	AUX
fsr-3532	412	18	a	a	DET
fsr-3532	412	19	strong	strong	ADJ
fsr-3532	412	20	association	association	NOUN
fsr-3532	412	21	with	with	ADP
fsr-3532	412	22	the	the	DET
fsr-3532	412	23	likelihood	likelihood	NOUN
fsr-3532	412	24	of	of	ADP
fsr-3532	412	25	engaging	engage	VERB
fsr-3532	412	26	in	in	ADP
fsr-3532	412	27	the	the	DET
fsr-3532	412	28	behaviors	behavior	NOUN
fsr-3532	412	29	analyzed	analyze	VERB
fsr-3532	412	30	in	in	ADP
fsr-3532	412	31	the	the	DET
fsr-3532	412	32	study	study	NOUN
fsr-3532	412	33	.	.	PUNCT
fsr-3532	413	1	what	what	PRON
fsr-3532	413	2	we	we	PRON
fsr-3532	413	3	do	do	AUX
fsr-3532	413	4	note	note	VERB
fsr-3532	413	5	is	be	AUX
fsr-3532	413	6	that	that	SCONJ
fsr-3532	413	7	both	both	PRON
fsr-3532	413	8	timing	timing	NOUN
fsr-3532	413	9	and	and	CCONJ
fsr-3532	413	10	frequency	frequency	NOUN
fsr-3532	413	11	of	of	ADP
fsr-3532	413	12	financial	financial	ADJ
fsr-3532	413	13	education	education	NOUN
fsr-3532	413	14	are	be	AUX
fsr-3532	413	15	relevant	relevant	ADJ
fsr-3532	413	16	in	in	ADP
fsr-3532	413	17	making	make	VERB
fsr-3532	413	18	quality	quality	NOUN
fsr-3532	413	19	financial	financial	ADJ
fsr-3532	413	20	decisions	decision	NOUN
fsr-3532	413	21	.	.	PUNCT
fsr-3532	414	1	these	these	DET
fsr-3532	414	2	findings	finding	NOUN
fsr-3532	414	3	in	in	ADP
fsr-3532	414	4	combination	combination	NOUN
fsr-3532	414	5	may	may	AUX
fsr-3532	414	6	warrant	warrant	VERB
fsr-3532	414	7	the	the	DET
fsr-3532	414	8	need	need	NOUN
fsr-3532	414	9	for	for	ADP
fsr-3532	414	10	additional	additional	ADJ
fsr-3532	414	11	research	research	NOUN
fsr-3532	414	12	on	on	ADP
fsr-3532	414	13	the	the	DET
fsr-3532	414	14	relationship	relationship	NOUN
fsr-3532	414	15	between	between	ADP
fsr-3532	414	16	financial	financial	ADJ
fsr-3532	414	17	education	education	NOUN
fsr-3532	414	18	and	and	CCONJ
fsr-3532	414	19	financial	financial	ADJ
fsr-3532	414	20	literacy	literacy	NOUN
fsr-3532	414	21	and	and	CCONJ
fsr-3532	414	22	how	how	SCONJ
fsr-3532	414	23	the	the	DET
fsr-3532	414	24	two	two	NUM
fsr-3532	414	25	move	move	NOUN
fsr-3532	414	26	in	in	ADP
fsr-3532	414	27	tandem	tandem	NOUN
fsr-3532	414	28	to	to	PART
fsr-3532	414	29	affect	affect	VERB
fsr-3532	414	30	the	the	DET
fsr-3532	414	31	decisions	decision	NOUN
fsr-3532	414	32	and	and	CCONJ
fsr-3532	414	33	outcomes	outcome	NOUN
fsr-3532	414	34	experienced	experience	VERB
fsr-3532	414	35	by	by	ADP
fsr-3532	414	36	individuals	individual	NOUN
fsr-3532	414	37	.	.	PUNCT
fsr-3532	415	1	one	one	NUM
fsr-3532	415	2	limitation	limitation	NOUN
fsr-3532	415	3	of	of	ADP
fsr-3532	415	4	this	this	DET
fsr-3532	415	5	study	study	NOUN
fsr-3532	415	6	is	be	AUX
fsr-3532	415	7	that	that	SCONJ
fsr-3532	415	8	we	we	PRON
fsr-3532	415	9	do	do	AUX
fsr-3532	415	10	not	not	PART
fsr-3532	415	11	know	know	VERB
fsr-3532	415	12	the	the	DET
fsr-3532	415	13	quality	quality	NOUN
fsr-3532	415	14	of	of	ADP
fsr-3532	415	15	the	the	DET
fsr-3532	415	16	financial	financial	ADJ
fsr-3532	415	17	education	education	NOUN
fsr-3532	415	18	course	course	NOUN
fsr-3532	415	19	taken	take	VERB
fsr-3532	415	20	by	by	ADP
fsr-3532	415	21	the	the	DET
fsr-3532	415	22	respondents	respondent	NOUN
fsr-3532	415	23	.	.	PUNCT
fsr-3532	416	1	the	the	DET
fsr-3532	416	2	nature	nature	NOUN
fsr-3532	416	3	of	of	ADP
fsr-3532	416	4	financial	financial	ADJ
fsr-3532	416	5	education	education	NOUN
fsr-3532	416	6	courses	course	NOUN
fsr-3532	416	7	is	be	AUX
fsr-3532	416	8	quite	quite	ADV
fsr-3532	416	9	nebulous	nebulous	ADJ
fsr-3532	416	10	and	and	CCONJ
fsr-3532	416	11	can	can	AUX
fsr-3532	416	12	range	range	VERB
fsr-3532	416	13	from	from	ADP
fsr-3532	416	14	incredibly	incredibly	ADV
fsr-3532	416	15	detailed	detailed	ADJ
fsr-3532	416	16	to	to	PART
fsr-3532	416	17	summary	summary	VERB
fsr-3532	416	18	overviews	overview	NOUN
fsr-3532	416	19	of	of	ADP
fsr-3532	416	20	financial	financial	ADJ
fsr-3532	416	21	topics	topic	NOUN
fsr-3532	416	22	.	.	PUNCT
fsr-3532	417	1	future	future	ADJ
fsr-3532	417	2	research	research	NOUN
fsr-3532	417	3	will	will	AUX
fsr-3532	417	4	examine	examine	VERB
fsr-3532	417	5	which	which	DET
fsr-3532	417	6	combinations	combination	NOUN
fsr-3532	417	7	of	of	ADP
fsr-3532	417	8	timing	timing	NOUN
fsr-3532	417	9	and	and	CCONJ
fsr-3532	417	10	frequency	frequency	NOUN
fsr-3532	417	11	are	be	AUX
fsr-3532	417	12	associated	associate	VERB
fsr-3532	417	13	with	with	ADP
fsr-3532	417	14	financial	financial	ADJ
fsr-3532	417	15	behaviors	behavior	NOUN
fsr-3532	417	16	.	.	PUNCT
fsr-3532	418	1	another	another	DET
fsr-3532	418	2	avenue	avenue	NOUN
fsr-3532	418	3	for	for	ADP
fsr-3532	418	4	future	future	ADJ
fsr-3532	418	5	research	research	NOUN
fsr-3532	418	6	would	would	AUX
fsr-3532	418	7	be	be	AUX
fsr-3532	418	8	to	to	PART
fsr-3532	418	9	examine	examine	VERB
fsr-3532	418	10	the	the	DET
fsr-3532	418	11	relationship	relationship	NOUN
fsr-3532	418	12	between	between	ADP
fsr-3532	418	13	timing	timing	NOUN
fsr-3532	418	14	and	and	CCONJ
fsr-3532	418	15	frequency	frequency	NOUN
fsr-3532	418	16	of	of	ADP
fsr-3532	418	17	financial	financial	ADJ
fsr-3532	418	18	literacy	literacy	NOUN
fsr-3532	418	19	and	and	CCONJ
fsr-3532	418	20	negative	negative	ADJ
fsr-3532	418	21	financial	financial	ADJ
fsr-3532	418	22	behaviors	behavior	NOUN
fsr-3532	418	23	.	.	PUNCT
fsr-3532	419	1	references	reference	NOUN
fsr-3532	419	2	ando	ando	PROPN
fsr-3532	419	3	,	,	PUNCT
fsr-3532	419	4	a.	a.	PROPN
fsr-3532	419	5	,	,	PUNCT
fsr-3532	419	6	&	&	CCONJ
fsr-3532	419	7	modigliani	modigliani	PROPN
fsr-3532	419	8	,	,	PUNCT
fsr-3532	419	9	f.	f.	PROPN
fsr-3532	419	10	(	(	PUNCT
fsr-3532	419	11	1963	1963	NUM
fsr-3532	419	12	)	)	PUNCT
fsr-3532	419	13	.	.	PUNCT
fsr-3532	420	1	the	the	DET
fsr-3532	420	2	“	"	PUNCT
fsr-3532	420	3	life	life	NOUN
fsr-3532	420	4	cycle	cycle	NOUN
fsr-3532	420	5	”	"	PUNCT
fsr-3532	420	6	hypothesis	hypothesis	NOUN
fsr-3532	420	7	of	of	ADP
fsr-3532	420	8	saving	saving	NOUN
fsr-3532	420	9	:	:	PUNCT
fsr-3532	420	10	aggregate	aggregate	VERB
fsr-3532	420	11	implications	implication	NOUN
fsr-3532	420	12	and	and	CCONJ
fsr-3532	420	13	tests	test	NOUN
fsr-3532	420	14	author	author	NOUN
fsr-3532	420	15	(	(	PUNCT
fsr-3532	420	16	s	s	NOUN
fsr-3532	420	17	)	)	PUNCT
fsr-3532	420	18	.	.	PUNCT
fsr-3532	421	1	the	the	DET
fsr-3532	421	2	american	american	PROPN
fsr-3532	421	3	economic	economic	PROPN
fsr-3532	421	4	review	review	PROPN
fsr-3532	421	5	,	,	PUNCT
fsr-3532	421	6	53	53	NUM
fsr-3532	421	7	,	,	PUNCT
fsr-3532	421	8	55–84	55–84	PROPN
fsr-3532	421	9	.	.	PUNCT
fsr-3532	422	1	attanasio	attanasio	NOUN
fsr-3532	422	2	,	,	PUNCT
fsr-3532	422	3	o.	o.	PROPN
fsr-3532	422	4	,	,	PUNCT
fsr-3532	422	5	&	&	CCONJ
fsr-3532	422	6	weber	weber	PROPN
fsr-3532	422	7	,	,	PUNCT
fsr-3532	422	8	g.	g.	PROPN
fsr-3532	422	9	(	(	PUNCT
fsr-3532	422	10	2010	2010	NUM
fsr-3532	422	11	)	)	PUNCT
fsr-3532	422	12	.	.	PUNCT
fsr-3532	423	1	consumption	consumption	NOUN
fsr-3532	423	2	and	and	CCONJ
fsr-3532	423	3	saving	saving	NOUN
fsr-3532	423	4	:	:	PUNCT
fsr-3532	423	5	models	model	NOUN
fsr-3532	423	6	of	of	ADP
fsr-3532	423	7	intertemporal	intertemporal	ADJ
fsr-3532	423	8	allocation	allocation	NOUN
fsr-3532	423	9	and	and	CCONJ
fsr-3532	423	10	their	their	PRON
fsr-3532	423	11	implications	implication	NOUN
fsr-3532	423	12	for	for	ADP
fsr-3532	423	13	public	public	ADJ
fsr-3532	423	14	policy	policy	NOUN
fsr-3532	423	15	.	.	PUNCT
fsr-3532	424	1	journal	journal	NOUN
fsr-3532	424	2	of	of	ADP
fsr-3532	424	3	economic	economic	ADJ
fsr-3532	424	4	literature	literature	NOUN
fsr-3532	424	5	,	,	PUNCT
fsr-3532	424	6	48	48	NUM
fsr-3532	424	7	,	,	PUNCT
fsr-3532	424	8	693–751	693–751	NUM
fsr-3532	424	9	.	.	PUNCT
fsr-3532	425	1	bae	bae	PROPN
fsr-3532	425	2	,	,	PUNCT
fsr-3532	425	3	s.	s.	PROPN
fsr-3532	425	4	c.	c.	PROPN
fsr-3532	425	5	,	,	PUNCT
fsr-3532	425	6	&	&	CCONJ
fsr-3532	425	7	sandager	sandager	PROPN
fsr-3532	425	8	,	,	PUNCT
fsr-3532	425	9	j.	j.	PROPN
fsr-3532	425	10	p.	p.	PROPN
fsr-3532	425	11	(	(	PUNCT
fsr-3532	425	12	1997	1997	NUM
fsr-3532	425	13	)	)	PUNCT
fsr-3532	425	14	.	.	PUNCT
fsr-3532	426	1	what	what	PRON
fsr-3532	426	2	consumers	consumer	NOUN
fsr-3532	426	3	look	look	VERB
fsr-3532	426	4	for	for	ADP
fsr-3532	426	5	in	in	ADP
fsr-3532	426	6	financial	financial	ADJ
fsr-3532	426	7	planners	planner	NOUN
fsr-3532	426	8	.	.	PUNCT
fsr-3532	427	1	association	association	NOUN
fsr-3532	427	2	for	for	ADP
fsr-3532	427	3	financial	financial	ADJ
fsr-3532	427	4	counseling	counseling	NOUN
fsr-3532	427	5	and	and	CCONJ
fsr-3532	427	6	planning	planning	NOUN
fsr-3532	427	7	education	education	NOUN
fsr-3532	427	8	,	,	PUNCT
fsr-3532	427	9	8	8	NUM
fsr-3532	427	10	,	,	PUNCT
fsr-3532	427	11	9–16	9–16	NOUN
fsr-3532	427	12	.	.	PUNCT
fsr-3532	428	1	banks	bank	NOUN
fsr-3532	428	2	,	,	PUNCT
fsr-3532	428	3	j.	j.	PROPN
fsr-3532	428	4	,	,	PUNCT
fsr-3532	428	5	blundell	blundell	PROPN
fsr-3532	428	6	,	,	PUNCT
fsr-3532	428	7	r.	r.	PROPN
fsr-3532	428	8	,	,	PUNCT
fsr-3532	428	9	&	&	CCONJ
fsr-3532	428	10	turner	turner	PROPN
fsr-3532	428	11	,	,	PUNCT
fsr-3532	428	12	s.	s.	PROPN
fsr-3532	428	13	(	(	PUNCT
fsr-3532	428	14	1998	1998	NUM
fsr-3532	428	15	)	)	PUNCT
fsr-3532	428	16	.	.	PUNCT
fsr-3532	428	17	is	be	AUX
fsr-3532	428	18	there	there	PRON
fsr-3532	428	19	a	a	DET
fsr-3532	428	20	retirement	retirement	NOUN
fsr-3532	428	21	-	-	PUNCT
fsr-3532	428	22	savings	saving	NOUN
fsr-3532	428	23	puzzle	puzzle	NOUN
fsr-3532	428	24	?	?	PUNCT
fsr-3532	429	1	the	the	DET
fsr-3532	429	2	american	american	PROPN
fsr-3532	429	3	economic	economic	PROPN
fsr-3532	429	4	review	review	PROPN
fsr-3532	429	5	,	,	PUNCT
fsr-3532	429	6	88	88	NUM
fsr-3532	429	7	,	,	PUNCT
fsr-3532	429	8	769–788	769–788	NUM
fsr-3532	429	9	.	.	PUNCT
fsr-3532	430	1	barber	barber	PROPN
fsr-3532	430	2	,	,	PUNCT
fsr-3532	430	3	b.	b.	PROPN
fsr-3532	430	4	m.	m.	PROPN
fsr-3532	430	5	,	,	PUNCT
fsr-3532	430	6	&	&	CCONJ
fsr-3532	430	7	odean	odean	ADJ
fsr-3532	430	8	,	,	PUNCT
fsr-3532	430	9	t.	t.	PROPN
fsr-3532	430	10	(	(	PUNCT
fsr-3532	430	11	2000	2000	NUM
fsr-3532	430	12	)	)	PUNCT
fsr-3532	430	13	.	.	PUNCT
fsr-3532	431	1	trading	trading	NOUN
fsr-3532	431	2	is	be	AUX
fsr-3532	431	3	hazardous	hazardous	ADJ
fsr-3532	431	4	to	to	ADP
fsr-3532	431	5	your	your	PRON
fsr-3532	431	6	wealth	wealth	NOUN
fsr-3532	431	7	:	:	PUNCT
fsr-3532	431	8	the	the	DET
fsr-3532	431	9	common	common	ADJ
fsr-3532	431	10	stock	stock	NOUN
fsr-3532	431	11	investment	investment	NOUN
fsr-3532	431	12	performance	performance	NOUN
fsr-3532	431	13	of	of	ADP
fsr-3532	431	14	individual	individual	ADJ
fsr-3532	431	15	investors	investor	NOUN
fsr-3532	431	16	.	.	PUNCT
fsr-3532	432	1	the	the	DET
fsr-3532	432	2	journal	journal	PROPN
fsr-3532	432	3	of	of	ADP
fsr-3532	432	4	finance	finance	NOUN
fsr-3532	432	5	,	,	PUNCT
fsr-3532	432	6	55	55	NUM
fsr-3532	432	7	,	,	PUNCT
fsr-3532	432	8	773–806	773–806	NUM
fsr-3532	432	9	.	.	PUNCT
fsr-3532	432	10	batty	batty	PROPN
fsr-3532	432	11	,	,	PUNCT
fsr-3532	432	12	m.	m.	NOUN
fsr-3532	432	13	,	,	PUNCT
fsr-3532	432	14	collins	collins	PROPN
fsr-3532	432	15	,	,	PUNCT
fsr-3532	432	16	j.	j.	PROPN
fsr-3532	432	17	m.	m.	PROPN
fsr-3532	432	18	,	,	PUNCT
fsr-3532	432	19	&	&	CCONJ
fsr-3532	432	20	odders	odder	NOUN
fsr-3532	432	21	-	-	PUNCT
fsr-3532	432	22	white	white	PROPN
fsr-3532	432	23	,	,	PUNCT
fsr-3532	432	24	e.	e.	PROPN
fsr-3532	432	25	(	(	PUNCT
fsr-3532	432	26	2015	2015	NUM
fsr-3532	432	27	)	)	PUNCT
fsr-3532	432	28	.	.	PUNCT
fsr-3532	433	1	experimental	experimental	ADJ
fsr-3532	433	2	evidence	evidence	NOUN
fsr-3532	433	3	on	on	ADP
fsr-3532	433	4	the	the	DET
fsr-3532	433	5	effects	effect	NOUN
fsr-3532	433	6	of	of	ADP
fsr-3532	433	7	financial	financial	ADJ
fsr-3532	433	8	education	education	NOUN
fsr-3532	433	9	on	on	ADP
fsr-3532	433	10	elementary	elementary	ADJ
fsr-3532	433	11	school	school	NOUN
fsr-3532	433	12	students	student	NOUN
fsr-3532	433	13	’	'	PUNCT
fsr-3532	433	14	knowledge	knowledge	NOUN
fsr-3532	433	15	,	,	PUNCT
fsr-3532	433	16	behavior	behavior	NOUN
fsr-3532	433	17	,	,	PUNCT
fsr-3532	433	18	and	and	CCONJ
fsr-3532	433	19	attitudes	attitude	NOUN
fsr-3532	433	20	.	.	PUNCT
fsr-3532	434	1	journal	journal	NOUN
fsr-3532	434	2	of	of	ADP
fsr-3532	434	3	consumer	consumer	NOUN
fsr-3532	434	4	affairs	affair	NOUN
fsr-3532	434	5	,	,	PUNCT
fsr-3532	434	6	49	49	NUM
fsr-3532	434	7	,	,	PUNCT
fsr-3532	434	8	69–96	69–96	NUM
fsr-3532	434	9	.	.	PUNCT
fsr-3532	435	1	bayer	bayer	PROPN
fsr-3532	435	2	,	,	PUNCT
fsr-3532	435	3	p.	p.	PROPN
fsr-3532	435	4	j.	j.	PROPN
fsr-3532	435	5	,	,	PUNCT
fsr-3532	435	6	bernheim	bernheim	PROPN
fsr-3532	435	7	,	,	PUNCT
fsr-3532	435	8	b.	b.	PROPN
fsr-3532	435	9	d.	d.	PROPN
fsr-3532	435	10	,	,	PUNCT
fsr-3532	435	11	&	&	CCONJ
fsr-3532	435	12	scholz	scholz	PROPN
fsr-3532	435	13	,	,	PUNCT
fsr-3532	435	14	j.	j.	PROPN
fsr-3532	435	15	k.	k.	PROPN
fsr-3532	435	16	(	(	PUNCT
fsr-3532	435	17	2009	2009	NUM
fsr-3532	435	18	)	)	PUNCT
fsr-3532	435	19	.	.	PUNCT
fsr-3532	436	1	the	the	DET
fsr-3532	436	2	effects	effect	NOUN
fsr-3532	436	3	of	of	ADP
fsr-3532	436	4	financial	financial	ADJ
fsr-3532	436	5	education	education	NOUN
fsr-3532	436	6	in	in	ADP
fsr-3532	436	7	the	the	DET
fsr-3532	436	8	workplace	workplace	NOUN
fsr-3532	436	9	:	:	PUNCT
fsr-3532	436	10	evidence	evidence	NOUN
fsr-3532	436	11	from	from	ADP
fsr-3532	436	12	a	a	DET
fsr-3532	436	13	survey	survey	NOUN
fsr-3532	436	14	of	of	ADP
fsr-3532	436	15	employers	employer	NOUN
fsr-3532	436	16	.	.	PUNCT
fsr-3532	437	1	economic	economic	ADJ
fsr-3532	437	2	inquiry	inquiry	NOUN
fsr-3532	437	3	,	,	PUNCT
fsr-3532	437	4	47	47	NUM
fsr-3532	437	5	,	,	PUNCT
fsr-3532	437	6	605–624	605–624	NUM
fsr-3532	437	7	.	.	PUNCT
fsr-3532	438	1	l.	l.	PROPN
fsr-3532	438	2	a.	a.	PROPN
fsr-3532	438	3	v.	v.	PROPN
fsr-3532	438	4	augustin	augustin	PROPN
fsr-3532	438	5	and	and	CCONJ
fsr-3532	438	6	t.	t.	PROPN
fsr-3532	438	7	k.	k.	PROPN
fsr-3532	438	8	martin	martin	PROPN
fsr-3532	438	9	/	/	SYM
fsr-3532	438	10	financial	financial	ADJ
fsr-3532	438	11	services	service	NOUN
fsr-3532	438	12	review	review	VERB
fsr-3532	438	13	31	31	NUM
fsr-3532	438	14	(	(	PUNCT
fsr-3532	438	15	2023	2023	NUM
fsr-3532	438	16	)	)	PUNCT
fsr-3532	438	17	151–167	151–167	NUM
fsr-3532	438	18	165	165	NUM
fsr-3532	438	19	becker	becker	NOUN
fsr-3532	438	20	,	,	PUNCT
fsr-3532	438	21	g.	g.	PROPN
fsr-3532	438	22	(	(	PUNCT
fsr-3532	438	23	1994	1994	NUM
fsr-3532	438	24	)	)	PUNCT
fsr-3532	438	25	.	.	PUNCT
fsr-3532	439	1	human	human	ADJ
fsr-3532	439	2	capital	capital	NOUN
fsr-3532	439	3	revisited	revisit	VERB
fsr-3532	439	4	.	.	PUNCT
fsr-3532	440	1	journal	journal	PROPN
fsr-3532	440	2	of	of	ADP
fsr-3532	440	3	chemical	chemical	ADJ
fsr-3532	440	4	information	information	NOUN
fsr-3532	440	5	and	and	CCONJ
fsr-3532	440	6	modeling	modeling	NOUN
fsr-3532	440	7	,	,	PUNCT
fsr-3532	440	8	53	53	NUM
fsr-3532	440	9	,	,	PUNCT
fsr-3532	440	10	1689–1699	1689–1699	NUM
fsr-3532	440	11	.	.	PUNCT
fsr-3532	441	1	bernheim	bernheim	PROPN
fsr-3532	441	2	,	,	PUNCT
fsr-3532	441	3	b.	b.	PROPN
fsr-3532	441	4	d.	d.	PROPN
fsr-3532	441	5	,	,	PUNCT
fsr-3532	441	6	garrett	garrett	PROPN
fsr-3532	441	7	,	,	PUNCT
fsr-3532	441	8	d.	d.	PROPN
fsr-3532	441	9	m.	m.	PROPN
fsr-3532	441	10	,	,	PUNCT
fsr-3532	441	11	&	&	CCONJ
fsr-3532	441	12	maki	maki	PROPN
fsr-3532	441	13	,	,	PUNCT
fsr-3532	441	14	d.	d.	PROPN
fsr-3532	441	15	m.	m.	PROPN
fsr-3532	441	16	(	(	PUNCT
fsr-3532	441	17	2001	2001	NUM
fsr-3532	441	18	)	)	PUNCT
fsr-3532	441	19	.	.	PUNCT
fsr-3532	442	1	education	education	NOUN
fsr-3532	442	2	and	and	CCONJ
fsr-3532	442	3	savings	saving	NOUN
fsr-3532	442	4	:	:	PUNCT
fsr-3532	442	5	the	the	DET
fsr-3532	442	6	long	long	ADJ
fsr-3532	442	7	-	-	PUNCT
fsr-3532	442	8	term	term	NOUN
fsr-3532	442	9	effects	effect	NOUN
fsr-3532	442	10	of	of	ADP
fsr-3532	442	11	high	high	ADJ
fsr-3532	442	12	school	school	NOUN
fsr-3532	442	13	financial	financial	ADJ
fsr-3532	442	14	curriculum	curriculum	NOUN
fsr-3532	442	15	mandates	mandate	NOUN
fsr-3532	442	16	.	.	PUNCT
fsr-3532	443	1	journal	journal	NOUN
fsr-3532	443	2	of	of	ADP
fsr-3532	443	3	public	public	ADJ
fsr-3532	443	4	economics	economic	NOUN
fsr-3532	443	5	,	,	PUNCT
fsr-3532	443	6	80	80	NUM
fsr-3532	443	7	,	,	PUNCT
fsr-3532	443	8	435–465	435–465	NUM
fsr-3532	443	9	.	.	PUNCT
fsr-3532	444	1	blundell	blundell	PROPN
fsr-3532	444	2	,	,	PUNCT
fsr-3532	444	3	r.	r.	PROPN
fsr-3532	444	4	,	,	PUNCT
fsr-3532	444	5	dearden	dearden	ADV
fsr-3532	444	6	,	,	PUNCT
fsr-3532	444	7	l.	l.	PROPN
fsr-3532	444	8	,	,	PUNCT
fsr-3532	444	9	meghir	meghir	NOUN
fsr-3532	444	10	,	,	PUNCT
fsr-3532	444	11	c.	c.	PROPN
fsr-3532	444	12	,	,	PUNCT
fsr-3532	444	13	&	&	CCONJ
fsr-3532	444	14	sianesi	sianesi	PROPN
fsr-3532	444	15	,	,	PUNCT
fsr-3532	444	16	b.	b.	PROPN
fsr-3532	444	17	(	(	PUNCT
fsr-3532	444	18	1999	1999	NUM
fsr-3532	444	19	)	)	PUNCT
fsr-3532	444	20	.	.	PUNCT
fsr-3532	445	1	human	human	ADJ
fsr-3532	445	2	capital	capital	NOUN
fsr-3532	445	3	investment	investment	NOUN
fsr-3532	445	4	:	:	PUNCT
fsr-3532	445	5	the	the	DET
fsr-3532	445	6	returns	return	NOUN
fsr-3532	445	7	from	from	ADP
fsr-3532	445	8	education	education	NOUN
fsr-3532	445	9	and	and	CCONJ
fsr-3532	445	10	the	the	DET
fsr-3532	445	11	economy	economy	NOUN
fsr-3532	445	12	.	.	PUNCT
fsr-3532	446	1	fiscal	fiscal	ADJ
fsr-3532	446	2	studies	study	NOUN
fsr-3532	446	3	,	,	PUNCT
fsr-3532	446	4	20	20	NUM
fsr-3532	446	5	,	,	PUNCT
fsr-3532	446	6	1–23	1–23	PROPN
fsr-3532	446	7	.	.	PUNCT
fsr-3532	447	1	brown	brown	PROPN
fsr-3532	447	2	,	,	PUNCT
fsr-3532	447	3	a.	a.	PROPN
fsr-3532	447	4	,	,	PUNCT
fsr-3532	447	5	collins	collins	PROPN
fsr-3532	447	6	,	,	PUNCT
fsr-3532	447	7	j.	j.	PROPN
fsr-3532	447	8	m.	m.	PROPN
fsr-3532	447	9	,	,	PUNCT
fsr-3532	447	10	schmeiser	schmeiser	ADJ
fsr-3532	447	11	,	,	PUNCT
fsr-3532	447	12	m.	m.	NOUN
fsr-3532	447	13	,	,	PUNCT
fsr-3532	447	14	&	&	CCONJ
fsr-3532	447	15	urban	urban	ADJ
fsr-3532	447	16	,	,	PUNCT
fsr-3532	447	17	c.	c.	PROPN
fsr-3532	447	18	(	(	PUNCT
fsr-3532	447	19	2014	2014	NUM
fsr-3532	447	20	)	)	PUNCT
fsr-3532	447	21	.	.	PUNCT
fsr-3532	448	1	state	state	NOUN
fsr-3532	448	2	mandated	mandate	VERB
fsr-3532	448	3	financial	financial	ADJ
fsr-3532	448	4	education	education	NOUN
fsr-3532	448	5	and	and	CCONJ
fsr-3532	448	6	the	the	DET
fsr-3532	448	7	credit	credit	NOUN
fsr-3532	448	8	behavior	behavior	NOUN
fsr-3532	448	9	of	of	ADP
fsr-3532	448	10	young	young	ADJ
fsr-3532	448	11	adults	adult	NOUN
fsr-3532	448	12	(	(	PUNCT
fsr-3532	448	13	fedsworking	fedsworke	VERB
fsr-3532	448	14	paper	paper	NOUN
fsr-3532	448	15	no	no	NOUN
fsr-3532	448	16	.	.	PROPN
fsr-3532	448	17	2014	2014	NUM
fsr-3532	448	18	-	-	SYM
fsr-3532	448	19	68	68	NUM
fsr-3532	448	20	)	)	PUNCT
fsr-3532	448	21	.	.	PUNCT
fsr-3532	449	1	available	available	ADJ
fsr-3532	449	2	at	at	ADP
fsr-3532	449	3	ssnr	ssnr	PROPN
fsr-3532	449	4	https://ssrn.com/abstract¼2498087	https://ssrn.com/abstract¼2498087	PROPN
fsr-3532	449	5	campbell	campbell	PROPN
fsr-3532	449	6	,	,	PUNCT
fsr-3532	449	7	j.	j.	PROPN
fsr-3532	449	8	y.	y.	PROPN
fsr-3532	449	9	(	(	PUNCT
fsr-3532	449	10	2006	2006	NUM
fsr-3532	449	11	)	)	PUNCT
fsr-3532	449	12	.	.	PUNCT
fsr-3532	450	1	household	household	NOUN
fsr-3532	450	2	finance	finance	NOUN
fsr-3532	450	3	.	.	PUNCT
fsr-3532	451	1	journal	journal	PROPN
fsr-3532	451	2	of	of	ADP
fsr-3532	451	3	finance	finance	NOUN
fsr-3532	451	4	,	,	PUNCT
fsr-3532	451	5	61	61	NUM
fsr-3532	451	6	,	,	PUNCT
fsr-3532	451	7	1553–1604	1553–1604	NUM
fsr-3532	451	8	.	.	PUNCT
fsr-3532	452	1	carlin	carlin	PROPN
fsr-3532	452	2	,	,	PUNCT
fsr-3532	452	3	b.	b.	PROPN
fsr-3532	452	4	i.	i.	PROPN
fsr-3532	452	5	,	,	PUNCT
fsr-3532	452	6	&	&	CCONJ
fsr-3532	452	7	robinson	robinson	PROPN
fsr-3532	452	8	,	,	PUNCT
fsr-3532	452	9	d.	d.	PROPN
fsr-3532	452	10	t.	t.	PROPN
fsr-3532	452	11	(	(	PUNCT
fsr-3532	452	12	2012	2012	NUM
fsr-3532	452	13	)	)	PUNCT
fsr-3532	452	14	.	.	PUNCT
fsr-3532	453	1	what	what	PRON
fsr-3532	453	2	does	do	AUX
fsr-3532	453	3	financial	financial	ADJ
fsr-3532	453	4	literacy	literacy	NOUN
fsr-3532	453	5	training	training	NOUN
fsr-3532	453	6	teach	teach	VERB
fsr-3532	453	7	us	we	PRON
fsr-3532	453	8	?	?	PUNCT
fsr-3532	454	1	the	the	DET
fsr-3532	454	2	journal	journal	NOUN
fsr-3532	454	3	of	of	ADP
fsr-3532	454	4	economic	economic	ADJ
fsr-3532	454	5	education	education	NOUN
fsr-3532	454	6	,	,	PUNCT
fsr-3532	454	7	43	43	NUM
fsr-3532	454	8	,	,	PUNCT
fsr-3532	454	9	235–247	235–247	NUM
fsr-3532	454	10	.	.	PUNCT
fsr-3532	455	1	chen	chen	PROPN
fsr-3532	455	2	,	,	PUNCT
fsr-3532	455	3	h.	h.	PROPN
fsr-3532	455	4	,	,	PUNCT
fsr-3532	455	5	&	&	CCONJ
fsr-3532	455	6	volpe	volpe	PROPN
fsr-3532	455	7	,	,	PUNCT
fsr-3532	455	8	r.	r.	PROPN
fsr-3532	455	9	p.	p.	PROPN
fsr-3532	455	10	(	(	PUNCT
fsr-3532	455	11	1998	1998	NUM
fsr-3532	455	12	)	)	PUNCT
fsr-3532	455	13	.	.	PUNCT
fsr-3532	456	1	an	an	DET
fsr-3532	456	2	analysis	analysis	NOUN
fsr-3532	456	3	of	of	ADP
fsr-3532	456	4	personal	personal	ADJ
fsr-3532	456	5	financial	financial	ADJ
fsr-3532	456	6	literacy	literacy	NOUN
fsr-3532	456	7	among	among	ADP
fsr-3532	456	8	college	college	NOUN
fsr-3532	456	9	students	student	NOUN
fsr-3532	456	10	.	.	PUNCT
fsr-3532	457	1	financial	financial	ADJ
fsr-3532	457	2	services	service	NOUN
fsr-3532	457	3	review	review	PROPN
fsr-3532	457	4	,	,	PUNCT
fsr-3532	457	5	7	7	NUM
fsr-3532	457	6	,	,	PUNCT
fsr-3532	457	7	107–128	107–128	NUM
fsr-3532	457	8	.	.	PUNCT
fsr-3532	458	1	de	de	PROPN
fsr-3532	458	2	bassa	bassa	PROPN
fsr-3532	458	3	scheresberg	scheresberg	PROPN
fsr-3532	458	4	,	,	PUNCT
fsr-3532	458	5	c.	c.	PROPN
fsr-3532	458	6	(	(	PUNCT
fsr-3532	458	7	2013	2013	NUM
fsr-3532	458	8	)	)	PUNCT
fsr-3532	458	9	.	.	PUNCT
fsr-3532	459	1	financial	financial	ADJ
fsr-3532	459	2	literacy	literacy	NOUN
fsr-3532	459	3	and	and	CCONJ
fsr-3532	459	4	financial	financial	ADJ
fsr-3532	459	5	behavior	behavior	NOUN
fsr-3532	459	6	among	among	ADP
fsr-3532	459	7	young	young	ADJ
fsr-3532	459	8	adults	adult	NOUN
fsr-3532	459	9	:	:	PUNCT
fsr-3532	459	10	evidence	evidence	NOUN
fsr-3532	459	11	and	and	CCONJ
fsr-3532	459	12	implications	implication	NOUN
fsr-3532	459	13	.	.	PUNCT
fsr-3532	460	1	numeracy	numeracy	NOUN
fsr-3532	460	2	,	,	PUNCT
fsr-3532	460	3	6	6	NUM
fsr-3532	460	4	,	,	PUNCT
fsr-3532	460	5	article	article	NOUN
fsr-3532	460	6	5	5	NUM
fsr-3532	460	7	.	.	PUNCT
fsr-3532	460	8	disney	disney	PROPN
fsr-3532	460	9	,	,	PUNCT
fsr-3532	460	10	r.	r.	PROPN
fsr-3532	460	11	,	,	PUNCT
fsr-3532	460	12	&	&	CCONJ
fsr-3532	460	13	gathergood	gathergood	PROPN
fsr-3532	460	14	,	,	PUNCT
fsr-3532	460	15	j.	j.	PROPN
fsr-3532	460	16	(	(	PUNCT
fsr-3532	460	17	2013	2013	NUM
fsr-3532	460	18	)	)	PUNCT
fsr-3532	460	19	.	.	PUNCT
fsr-3532	461	1	financial	financial	ADJ
fsr-3532	461	2	literacy	literacy	NOUN
fsr-3532	461	3	and	and	CCONJ
fsr-3532	461	4	consumer	consumer	NOUN
fsr-3532	461	5	credit	credit	NOUN
fsr-3532	461	6	portfolios	portfolio	NOUN
fsr-3532	461	7	.	.	PUNCT
fsr-3532	462	1	journal	journal	NOUN
fsr-3532	462	2	of	of	ADP
fsr-3532	462	3	banking	banking	NOUN
fsr-3532	462	4	&	&	CCONJ
fsr-3532	462	5	finance	finance	PROPN
fsr-3532	462	6	,	,	PUNCT
fsr-3532	462	7	37	37	NUM
fsr-3532	462	8	,	,	PUNCT
fsr-3532	462	9	2246–2254	2246–2254	NUM
fsr-3532	462	10	.	.	PUNCT
fsr-3532	463	1	fox	fox	PROPN
fsr-3532	463	2	,	,	PUNCT
fsr-3532	463	3	g.	g.	PROPN
fsr-3532	463	4	l.	l.	PROPN
fsr-3532	463	5	,	,	PUNCT
fsr-3532	463	6	&	&	CCONJ
fsr-3532	463	7	chancey	chancey	PROPN
fsr-3532	463	8	,	,	PUNCT
fsr-3532	463	9	d.	d.	PROPN
fsr-3532	463	10	(	(	PUNCT
fsr-3532	463	11	1998	1998	NUM
fsr-3532	463	12	)	)	PUNCT
fsr-3532	463	13	.	.	PUNCT
fsr-3532	464	1	sources	source	NOUN
fsr-3532	464	2	of	of	ADP
fsr-3532	464	3	economic	economic	ADJ
fsr-3532	464	4	distress	distress	NOUN
fsr-3532	464	5	:	:	PUNCT
fsr-3532	464	6	individual	individual	ADJ
fsr-3532	464	7	and	and	CCONJ
fsr-3532	464	8	family	family	NOUN
fsr-3532	464	9	outcomes	outcome	NOUN
fsr-3532	464	10	.	.	PUNCT
fsr-3532	465	1	journal	journal	PROPN
fsr-3532	465	2	of	of	ADP
fsr-3532	465	3	family	family	NOUN
fsr-3532	465	4	issues	issue	NOUN
fsr-3532	465	5	,	,	PUNCT
fsr-3532	465	6	19	19	NUM
fsr-3532	465	7	,	,	PUNCT
fsr-3532	465	8	725–749	725–749	NUM
fsr-3532	465	9	.	.	PUNCT
fsr-3532	466	1	de	de	X
fsr-3532	466	2	nardi	nardi	PROPN
fsr-3532	466	3	,	,	PUNCT
fsr-3532	466	4	m.	m.	NOUN
fsr-3532	466	5	,	,	PUNCT
fsr-3532	466	6	french	french	PROPN
fsr-3532	466	7	,	,	PUNCT
fsr-3532	466	8	e.	e.	PROPN
fsr-3532	466	9	,	,	PUNCT
fsr-3532	466	10	&	&	CCONJ
fsr-3532	466	11	jones	jones	PROPN
fsr-3532	466	12	,	,	PUNCT
fsr-3532	466	13	j.	j.	PROPN
fsr-3532	466	14	b.	b.	PROPN
fsr-3532	466	15	(	(	PUNCT
fsr-3532	466	16	2010	2010	NUM
fsr-3532	466	17	)	)	PUNCT
fsr-3532	466	18	.	.	PUNCT
fsr-3532	467	1	why	why	SCONJ
fsr-3532	467	2	do	do	AUX
fsr-3532	467	3	the	the	DET
fsr-3532	467	4	elderly	elderly	ADJ
fsr-3532	467	5	save	save	VERB
fsr-3532	467	6	?	?	PUNCT
fsr-3532	468	1	the	the	DET
fsr-3532	468	2	role	role	NOUN
fsr-3532	468	3	of	of	ADP
fsr-3532	468	4	medical	medical	ADJ
fsr-3532	468	5	expenses	expense	NOUN
fsr-3532	468	6	.	.	PUNCT
fsr-3532	469	1	journal	journal	NOUN
fsr-3532	469	2	of	of	ADP
fsr-3532	469	3	political	political	ADJ
fsr-3532	469	4	economy	economy	NOUN
fsr-3532	469	5	,	,	PUNCT
fsr-3532	469	6	118	118	NUM
fsr-3532	469	7	,	,	PUNCT
fsr-3532	469	8	39–75	39–75	NUM
fsr-3532	469	9	.	.	PUNCT
fsr-3532	470	1	gathergood	gathergood	PROPN
fsr-3532	470	2	,	,	PUNCT
fsr-3532	470	3	j.	j.	PROPN
fsr-3532	470	4	(	(	PUNCT
fsr-3532	470	5	2012	2012	NUM
fsr-3532	470	6	)	)	PUNCT
fsr-3532	470	7	.	.	PUNCT
fsr-3532	471	1	self	self	NOUN
fsr-3532	471	2	-	-	PUNCT
fsr-3532	471	3	control	control	NOUN
fsr-3532	471	4	,	,	PUNCT
fsr-3532	471	5	financial	financial	ADJ
fsr-3532	471	6	literacy	literacy	NOUN
fsr-3532	471	7	and	and	CCONJ
fsr-3532	471	8	consumer	consumer	NOUN
fsr-3532	471	9	over	over	ADP
fsr-3532	471	10	-	-	PUNCT
fsr-3532	471	11	indebtedness	indebtedness	NOUN
fsr-3532	471	12	.	.	PUNCT
fsr-3532	472	1	journal	journal	NOUN
fsr-3532	472	2	of	of	ADP
fsr-3532	472	3	economic	economic	ADJ
fsr-3532	472	4	psychology	psychology	NOUN
fsr-3532	472	5	,	,	PUNCT
fsr-3532	472	6	33	33	NUM
fsr-3532	472	7	,	,	PUNCT
fsr-3532	472	8	590–602	590–602	NUM
fsr-3532	472	9	.	.	PUNCT
fsr-3532	473	1	gokhale	gokhale	PROPN
fsr-3532	473	2	,	,	PUNCT
fsr-3532	473	3	j.	j.	PROPN
fsr-3532	473	4	,	,	PUNCT
fsr-3532	473	5	&	&	CCONJ
fsr-3532	473	6	kotlikoff	kotlikoff	PROPN
fsr-3532	473	7	,	,	PUNCT
fsr-3532	473	8	l.	l.	PROPN
fsr-3532	473	9	j.	j.	PROPN
fsr-3532	473	10	(	(	PUNCT
fsr-3532	473	11	2003	2003	NUM
fsr-3532	473	12	)	)	PUNCT
fsr-3532	473	13	.	.	PUNCT
fsr-3532	474	1	who	who	PRON
fsr-3532	474	2	gets	get	AUX
fsr-3532	474	3	paid	pay	VERB
fsr-3532	474	4	to	to	PART
fsr-3532	474	5	save	save	VERB
fsr-3532	474	6	?	?	PUNCT
fsr-3532	475	1	tax	tax	NOUN
fsr-3532	475	2	policy	policy	NOUN
fsr-3532	475	3	and	and	CCONJ
fsr-3532	475	4	the	the	DET
fsr-3532	475	5	economy	economy	NOUN
fsr-3532	475	6	,	,	PUNCT
fsr-3532	475	7	17	17	NUM
fsr-3532	475	8	,	,	PUNCT
fsr-3532	475	9	111–139	111–139	NUM
fsr-3532	475	10	.	.	PUNCT
fsr-3532	476	1	guiso	guiso	PROPN
fsr-3532	476	2	,	,	PUNCT
fsr-3532	476	3	l.	l.	PROPN
fsr-3532	476	4	,	,	PUNCT
fsr-3532	476	5	&	&	CCONJ
fsr-3532	476	6	jappelli	jappelli	PROPN
fsr-3532	476	7	,	,	PUNCT
fsr-3532	476	8	t.	t.	PROPN
fsr-3532	476	9	(	(	PUNCT
fsr-3532	476	10	2006	2006	NUM
fsr-3532	476	11	)	)	PUNCT
fsr-3532	476	12	.	.	PUNCT
fsr-3532	477	1	information	information	NOUN
fsr-3532	477	2	acquisition	acquisition	NOUN
fsr-3532	477	3	and	and	CCONJ
fsr-3532	477	4	portfolio	portfolio	NOUN
fsr-3532	477	5	performance	performance	NOUN
fsr-3532	477	6	.	.	PUNCT
fsr-3532	478	1	csef	csef	PROPN
fsr-3532	478	2	working	working	PROPN
fsr-3532	478	3	paper	paper	NOUN
fsr-3532	478	4	,	,	PUNCT
fsr-3532	478	5	00235	00235	NUM
fsr-3532	478	6	,	,	PUNCT
fsr-3532	478	7	67	67	NUM
fsr-3532	478	8	.	.	PUNCT
fsr-3532	479	1	hackethal	hackethal	PROPN
fsr-3532	479	2	,	,	PUNCT
fsr-3532	479	3	a.	a.	NOUN
fsr-3532	479	4	,	,	PUNCT
fsr-3532	479	5	haliassos	haliassos	NOUN
fsr-3532	479	6	,	,	PUNCT
fsr-3532	479	7	m.	m.	NOUN
fsr-3532	479	8	,	,	PUNCT
fsr-3532	479	9	&	&	CCONJ
fsr-3532	479	10	jappelli	jappelli	PROPN
fsr-3532	479	11	,	,	PUNCT
fsr-3532	479	12	t.	t.	PROPN
fsr-3532	479	13	(	(	PUNCT
fsr-3532	479	14	2012	2012	NUM
fsr-3532	479	15	)	)	PUNCT
fsr-3532	479	16	.	.	PUNCT
fsr-3532	480	1	financial	financial	ADJ
fsr-3532	480	2	advisors	advisor	NOUN
fsr-3532	480	3	:	:	PUNCT
fsr-3532	480	4	a	a	DET
fsr-3532	480	5	case	case	NOUN
fsr-3532	480	6	of	of	ADP
fsr-3532	480	7	babysitters	babysitter	NOUN
fsr-3532	480	8	?	?	PUNCT
fsr-3532	481	1	journal	journal	NOUN
fsr-3532	481	2	of	of	ADP
fsr-3532	481	3	banking	banking	NOUN
fsr-3532	481	4	&	&	CCONJ
fsr-3532	481	5	finance	finance	PROPN
fsr-3532	481	6	,	,	PUNCT
fsr-3532	481	7	36	36	NUM
fsr-3532	481	8	,	,	PUNCT
fsr-3532	481	9	509–524	509–524	NUM
fsr-3532	481	10	.	.	PUNCT
fsr-3532	482	1	hamerrnesh	hamerrnesh	PROPN
fsr-3532	482	2	,	,	PUNCT
fsr-3532	482	3	d.	d.	PROPN
fsr-3532	482	4	s.	s.	PROPN
fsr-3532	482	5	(	(	PUNCT
fsr-3532	482	6	1982	1982	NUM
fsr-3532	482	7	)	)	PUNCT
fsr-3532	482	8	.	.	PUNCT
fsr-3532	483	1	consumption	consumption	NOUN
fsr-3532	483	2	during	during	ADP
fsr-3532	483	3	retirement	retirement	NOUN
fsr-3532	483	4	:	:	PUNCT
fsr-3532	483	5	the	the	DET
fsr-3532	483	6	missing	miss	VERB
fsr-3532	483	7	link	link	NOUN
fsr-3532	483	8	in	in	ADP
fsr-3532	483	9	the	the	DET
fsr-3532	483	10	life	life	NOUN
fsr-3532	483	11	cycle	cycle	NOUN
fsr-3532	483	12	.	.	PUNCT
fsr-3532	484	1	review	review	NOUN
fsr-3532	484	2	of	of	ADP
fsr-3532	484	3	economics	economic	NOUN
fsr-3532	484	4	and	and	CCONJ
fsr-3532	484	5	statistics	statistic	NOUN
fsr-3532	484	6	,	,	PUNCT
fsr-3532	484	7	66	66	NUM
fsr-3532	484	8	,	,	PUNCT
fsr-3532	484	9	1–7	1–7	NUM
fsr-3532	484	10	.	.	PUNCT
fsr-3532	484	11	hanna	hanna	PROPN
fsr-3532	484	12	,	,	PUNCT
fsr-3532	484	13	s.	s.	PROPN
fsr-3532	484	14	d.	d.	PROPN
fsr-3532	484	15	(	(	PUNCT
fsr-3532	484	16	2011	2011	NUM
fsr-3532	484	17	)	)	PUNCT
fsr-3532	484	18	.	.	PUNCT
fsr-3532	485	1	the	the	DET
fsr-3532	485	2	demand	demand	NOUN
fsr-3532	485	3	for	for	ADP
fsr-3532	485	4	financial	financial	ADJ
fsr-3532	485	5	planning	planning	NOUN
fsr-3532	485	6	services	service	NOUN
fsr-3532	485	7	.	.	PUNCT
fsr-3532	486	1	journal	journal	NOUN
fsr-3532	486	2	of	of	ADP
fsr-3532	486	3	personal	personal	ADJ
fsr-3532	486	4	finance	finance	NOUN
fsr-3532	486	5	,	,	PUNCT
fsr-3532	486	6	36–62	36–62	NUM
fsr-3532	486	7	.	.	PUNCT
fsr-3532	487	1	heckman	heckman	PROPN
fsr-3532	487	2	,	,	PUNCT
fsr-3532	487	3	j.	j.	PROPN
fsr-3532	487	4	j.	j.	PROPN
fsr-3532	487	5	(	(	PUNCT
fsr-3532	487	6	2006	2006	NUM
fsr-3532	487	7	)	)	PUNCT
fsr-3532	487	8	.	.	PUNCT
fsr-3532	488	1	investing	invest	VERB
fsr-3532	488	2	in	in	ADP
fsr-3532	488	3	disadvantaged	disadvantaged	ADJ
fsr-3532	488	4	children	child	NOUN
fsr-3532	488	5	.	.	PUNCT
fsr-3532	489	1	social	social	ADJ
fsr-3532	489	2	sciences	sciences	PROPN
fsr-3532	489	3	,	,	PUNCT
fsr-3532	489	4	312	312	NUM
fsr-3532	489	5	,	,	PUNCT
fsr-3532	489	6	2005–2007	2005–2007	NUM
fsr-3532	489	7	.	.	PUNCT
fsr-3532	490	1	hilgert	hilgert	PROPN
fsr-3532	490	2	,	,	PUNCT
fsr-3532	490	3	m.	m.	NOUN
fsr-3532	490	4	a.	a.	PROPN
fsr-3532	490	5	,	,	PUNCT
fsr-3532	490	6	hogarth	hogarth	NOUN
fsr-3532	490	7	,	,	PUNCT
fsr-3532	490	8	j.	j.	PROPN
fsr-3532	490	9	m.	m.	PROPN
fsr-3532	490	10	,	,	PUNCT
fsr-3532	490	11	&	&	CCONJ
fsr-3532	490	12	beverly	beverly	PROPN
fsr-3532	490	13	,	,	PUNCT
fsr-3532	490	14	s.	s.	PROPN
fsr-3532	490	15	g.	g.	PROPN
fsr-3532	490	16	(	(	PUNCT
fsr-3532	490	17	2003	2003	NUM
fsr-3532	490	18	)	)	PUNCT
fsr-3532	490	19	.	.	PUNCT
fsr-3532	491	1	household	household	NOUN
fsr-3532	491	2	financial	financial	ADJ
fsr-3532	491	3	management	management	NOUN
fsr-3532	491	4	:	:	PUNCT
fsr-3532	491	5	the	the	DET
fsr-3532	491	6	connection	connection	NOUN
fsr-3532	491	7	between	between	ADP
fsr-3532	491	8	knowledge	knowledge	NOUN
fsr-3532	491	9	and	and	CCONJ
fsr-3532	491	10	behavior	behavior	NOUN
fsr-3532	491	11	.	.	PUNCT
fsr-3532	492	1	federal	federal	PROPN
fsr-3532	492	2	reserve	reserve	PROPN
fsr-3532	492	3	bulletin	bulletin	PROPN
fsr-3532	492	4	,	,	PUNCT
fsr-3532	492	5	106	106	NUM
fsr-3532	492	6	,	,	PUNCT
fsr-3532	492	7	309–322	309–322	NUM
fsr-3532	492	8	.	.	PUNCT
fsr-3532	493	1	howlett	howlett	PROPN
fsr-3532	493	2	,	,	PUNCT
fsr-3532	493	3	e.	e.	PROPN
fsr-3532	493	4	,	,	PUNCT
fsr-3532	493	5	kees	kees	PROPN
fsr-3532	493	6	,	,	PUNCT
fsr-3532	493	7	j.	j.	PROPN
fsr-3532	493	8	,	,	PUNCT
fsr-3532	493	9	&	&	CCONJ
fsr-3532	493	10	kemp	kemp	PROPN
fsr-3532	493	11	,	,	PUNCT
fsr-3532	493	12	e.	e.	PROPN
fsr-3532	493	13	(	(	PUNCT
fsr-3532	493	14	2008	2008	NUM
fsr-3532	493	15	)	)	PUNCT
fsr-3532	493	16	.	.	PUNCT
fsr-3532	494	1	the	the	DET
fsr-3532	494	2	role	role	NOUN
fsr-3532	494	3	of	of	ADP
fsr-3532	494	4	self	self	NOUN
fsr-3532	494	5	regulation	regulation	NOUN
fsr-3532	494	6	,	,	PUNCT
fsr-3532	494	7	future	future	ADJ
fsr-3532	494	8	orientation	orientation	NOUN
fsr-3532	494	9	,	,	PUNCT
fsr-3532	494	10	and	and	CCONJ
fsr-3532	494	11	financial	financial	ADJ
fsr-3532	494	12	knowledge	knowledge	NOUN
fsr-3532	494	13	in	in	ADP
fsr-3532	494	14	long	long	ADJ
fsr-3532	494	15	term	term	NOUN
fsr-3532	494	16	financial	financial	ADJ
fsr-3532	494	17	decisions	decision	NOUN
fsr-3532	494	18	.	.	PUNCT
fsr-3532	495	1	journal	journal	NOUN
fsr-3532	495	2	of	of	ADP
fsr-3532	495	3	consumer	consumer	NOUN
fsr-3532	495	4	affairs	affair	NOUN
fsr-3532	495	5	,	,	PUNCT
fsr-3532	495	6	42	42	NUM
fsr-3532	495	7	,	,	PUNCT
fsr-3532	495	8	223–242	223–242	NUM
fsr-3532	495	9	.	.	PUNCT
fsr-3532	496	1	huston	huston	PROPN
fsr-3532	496	2	,	,	PUNCT
fsr-3532	496	3	s.	s.	PROPN
fsr-3532	496	4	j.	j.	PROPN
fsr-3532	496	5	(	(	PUNCT
fsr-3532	496	6	2010	2010	NUM
fsr-3532	496	7	)	)	PUNCT
fsr-3532	496	8	.	.	PUNCT
fsr-3532	497	1	measuring	measure	VERB
fsr-3532	497	2	financial	financial	ADJ
fsr-3532	497	3	literacy	literacy	NOUN
fsr-3532	497	4	.	.	PUNCT
fsr-3532	498	1	journal	journal	NOUN
fsr-3532	498	2	of	of	ADP
fsr-3532	498	3	consumer	consumer	NOUN
fsr-3532	498	4	affairs	affair	NOUN
fsr-3532	498	5	,	,	PUNCT
fsr-3532	498	6	44	44	NUM
fsr-3532	498	7	,	,	PUNCT
fsr-3532	498	8	296–316	296–316	NUM
fsr-3532	498	9	.	.	PUNCT
fsr-3532	499	1	jappelli	jappelli	PROPN
fsr-3532	499	2	,	,	PUNCT
fsr-3532	499	3	t.	t.	PROPN
fsr-3532	499	4	,	,	PUNCT
fsr-3532	499	5	&	&	CCONJ
fsr-3532	499	6	padula	padula	NOUN
fsr-3532	499	7	,	,	PUNCT
fsr-3532	499	8	m.	m.	NOUN
fsr-3532	499	9	(	(	PUNCT
fsr-3532	499	10	2013	2013	NUM
fsr-3532	499	11	)	)	PUNCT
fsr-3532	499	12	.	.	PUNCT
fsr-3532	500	1	investment	investment	NOUN
fsr-3532	500	2	in	in	ADP
fsr-3532	500	3	financial	financial	ADJ
fsr-3532	500	4	literacy	literacy	NOUN
fsr-3532	500	5	and	and	CCONJ
fsr-3532	500	6	saving	saving	NOUN
fsr-3532	500	7	decisions	decision	NOUN
fsr-3532	500	8	.	.	PUNCT
fsr-3532	501	1	journal	journal	NOUN
fsr-3532	501	2	of	of	ADP
fsr-3532	501	3	banking	banking	NOUN
fsr-3532	501	4	&	&	CCONJ
fsr-3532	501	5	finance	finance	PROPN
fsr-3532	501	6	,	,	PUNCT
fsr-3532	501	7	37	37	NUM
fsr-3532	501	8	,	,	PUNCT
fsr-3532	501	9	2779–2792	2779–2792	NUM
fsr-3532	501	10	.	.	PUNCT
fsr-3532	502	1	kaiser	kaiser	PROPN
fsr-3532	502	2	,	,	PUNCT
fsr-3532	502	3	t.	t.	PROPN
fsr-3532	502	4	,	,	PUNCT
fsr-3532	502	5	&	&	CCONJ
fsr-3532	502	6	menkhoff	menkhoff	PROPN
fsr-3532	502	7	,	,	PUNCT
fsr-3532	502	8	l.	l.	PROPN
fsr-3532	502	9	(	(	PUNCT
fsr-3532	502	10	2017	2017	NUM
fsr-3532	502	11	)	)	PUNCT
fsr-3532	502	12	.	.	PUNCT
fsr-3532	503	1	does	do	VERB
fsr-3532	503	2	financial	financial	ADJ
fsr-3532	503	3	education	education	NOUN
fsr-3532	503	4	impact	impact	NOUN
fsr-3532	503	5	financial	financial	ADJ
fsr-3532	503	6	literacy	literacy	NOUN
fsr-3532	503	7	and	and	CCONJ
fsr-3532	503	8	financial	financial	ADJ
fsr-3532	503	9	behavior	behavior	NOUN
fsr-3532	503	10	,	,	PUNCT
fsr-3532	503	11	and	and	CCONJ
fsr-3532	503	12	if	if	SCONJ
fsr-3532	503	13	so	so	ADV
fsr-3532	503	14	,	,	PUNCT
fsr-3532	503	15	when	when	SCONJ
fsr-3532	503	16	?	?	PUNCT
fsr-3532	504	1	the	the	DET
fsr-3532	504	2	world	world	PROPN
fsr-3532	504	3	bank	bank	PROPN
fsr-3532	504	4	economic	economic	PROPN
fsr-3532	504	5	review	review	PROPN
fsr-3532	504	6	,	,	PUNCT
fsr-3532	504	7	31	31	NUM
fsr-3532	504	8	,	,	PUNCT
fsr-3532	504	9	611–630	611–630	NUM
fsr-3532	504	10	.	.	PUNCT
fsr-3532	505	1	kramer	kramer	PROPN
fsr-3532	505	2	,	,	PUNCT
fsr-3532	505	3	m.	m.	NOUN
fsr-3532	505	4	m.	m.	NOUN
fsr-3532	505	5	(	(	PUNCT
fsr-3532	505	6	2012	2012	NUM
fsr-3532	505	7	)	)	PUNCT
fsr-3532	505	8	.	.	PUNCT
fsr-3532	506	1	financial	financial	ADJ
fsr-3532	506	2	literacy	literacy	NOUN
fsr-3532	506	3	,	,	PUNCT
fsr-3532	506	4	cognitive	cognitive	ADJ
fsr-3532	506	5	ability	ability	NOUN
fsr-3532	506	6	,	,	PUNCT
fsr-3532	506	7	and	and	CCONJ
fsr-3532	506	8	financial	financial	ADJ
fsr-3532	506	9	advice	advice	NOUN
fsr-3532	506	10	-	-	PUNCT
fsr-3532	506	11	seeking	seeking	NOUN
fsr-3532	506	12	.	.	PUNCT
fsr-3532	507	1	working	work	VERB
fsr-3532	507	2	paper	paper	NOUN
fsr-3532	507	3	.	.	PUNCT
fsr-3532	508	1	available	available	ADJ
fsr-3532	508	2	at	at	ADP
fsr-3532	508	3	ssnr	ssnr	PROPN
fsr-3532	508	4	https://ssrn.com/abstract¼2081795	https://ssrn.com/abstract¼2081795	PROPN
fsr-3532	508	5	laster	laster	PROPN
fsr-3532	508	6	,	,	PUNCT
fsr-3532	508	7	d.	d.	PROPN
fsr-3532	508	8	,	,	PUNCT
fsr-3532	508	9	suri	suri	PROPN
fsr-3532	508	10	,	,	PUNCT
fsr-3532	508	11	a.	a.	PROPN
fsr-3532	508	12	,	,	PUNCT
fsr-3532	508	13	&	&	CCONJ
fsr-3532	508	14	vrdoljak	vrdoljak	ADV
fsr-3532	508	15	,	,	PUNCT
fsr-3532	508	16	n.	n.	PROPN
fsr-3532	508	17	(	(	PUNCT
fsr-3532	508	18	2012	2012	NUM
fsr-3532	508	19	)	)	PUNCT
fsr-3532	508	20	.	.	PUNCT
fsr-3532	509	1	systematic	systematic	ADJ
fsr-3532	509	2	withdrawal	withdrawal	NOUN
fsr-3532	509	3	strategies	strategy	NOUN
fsr-3532	509	4	for	for	ADP
fsr-3532	509	5	retirees	retiree	NOUN
fsr-3532	509	6	.	.	PUNCT
fsr-3532	510	1	the	the	DET
fsr-3532	510	2	journal	journal	NOUN
fsr-3532	510	3	of	of	ADP
fsr-3532	510	4	wealth	wealth	NOUN
fsr-3532	510	5	management	management	NOUN
fsr-3532	510	6	,	,	PUNCT
fsr-3532	510	7	15	15	NUM
fsr-3532	510	8	,	,	PUNCT
fsr-3532	510	9	36–49	36–49	NUM
fsr-3532	510	10	.	.	PUNCT
fsr-3532	511	1	loibl	loibl	PROPN
fsr-3532	511	2	,	,	PUNCT
fsr-3532	511	3	c.	c.	PROPN
fsr-3532	511	4	,	,	PUNCT
fsr-3532	511	5	&	&	CCONJ
fsr-3532	511	6	hira	hira	PROPN
fsr-3532	511	7	,	,	PUNCT
fsr-3532	511	8	t.	t.	PROPN
fsr-3532	511	9	k.	k.	PROPN
fsr-3532	511	10	(	(	PUNCT
fsr-3532	511	11	2005	2005	NUM
fsr-3532	511	12	)	)	PUNCT
fsr-3532	511	13	.	.	PUNCT
fsr-3532	512	1	self	self	NOUN
fsr-3532	512	2	-	-	PUNCT
fsr-3532	512	3	directed	direct	VERB
fsr-3532	512	4	financial	financial	ADJ
fsr-3532	512	5	learning	learning	NOUN
fsr-3532	512	6	and	and	CCONJ
fsr-3532	512	7	financial	financial	ADJ
fsr-3532	512	8	satisfaction	satisfaction	NOUN
fsr-3532	512	9	.	.	PUNCT
fsr-3532	513	1	journal	journal	NOUN
fsr-3532	513	2	of	of	ADP
fsr-3532	513	3	financial	financial	ADJ
fsr-3532	513	4	counseling	counseling	NOUN
fsr-3532	513	5	and	and	CCONJ
fsr-3532	513	6	planning	planning	NOUN
fsr-3532	513	7	,	,	PUNCT
fsr-3532	513	8	16	16	NUM
fsr-3532	513	9	,	,	PUNCT
fsr-3532	513	10	11	11	NUM
fsr-3532	513	11	.	.	PUNCT
fsr-3532	514	1	lührmann	lührmann	PROPN
fsr-3532	514	2	,	,	PUNCT
fsr-3532	514	3	m.	m.	NOUN
fsr-3532	514	4	,	,	PUNCT
fsr-3532	514	5	serra	serra	PROPN
fsr-3532	514	6	-	-	PUNCT
fsr-3532	514	7	garcia	garcia	PROPN
fsr-3532	514	8	,	,	PUNCT
fsr-3532	514	9	m.	m.	NOUN
fsr-3532	514	10	,	,	PUNCT
fsr-3532	514	11	&	&	CCONJ
fsr-3532	514	12	winter	winter	PROPN
fsr-3532	514	13	,	,	PUNCT
fsr-3532	514	14	j.	j.	PROPN
fsr-3532	514	15	(	(	PUNCT
fsr-3532	514	16	2015	2015	NUM
fsr-3532	514	17	)	)	PUNCT
fsr-3532	514	18	.	.	PUNCT
fsr-3532	515	1	teaching	teach	VERB
fsr-3532	515	2	teenagers	teenager	NOUN
fsr-3532	515	3	in	in	ADP
fsr-3532	515	4	finance	finance	NOUN
fsr-3532	515	5	:	:	PUNCT
fsr-3532	515	6	does	do	AUX
fsr-3532	515	7	it	it	PRON
fsr-3532	515	8	work	work	VERB
fsr-3532	515	9	?	?	PUNCT
fsr-3532	516	1	journal	journal	NOUN
fsr-3532	516	2	of	of	ADP
fsr-3532	516	3	banking	banking	NOUN
fsr-3532	516	4	&	&	CCONJ
fsr-3532	516	5	finance	finance	PROPN
fsr-3532	516	6	,	,	PUNCT
fsr-3532	516	7	54	54	NUM
fsr-3532	516	8	,	,	PUNCT
fsr-3532	516	9	160–174	160–174	NUM
fsr-3532	516	10	.	.	PUNCT
fsr-3532	517	1	lusardi	lusardi	PROPN
fsr-3532	517	2	,	,	PUNCT
fsr-3532	517	3	a.	a.	NOUN
fsr-3532	517	4	(	(	PUNCT
fsr-3532	517	5	2008	2008	NUM
fsr-3532	517	6	)	)	PUNCT
fsr-3532	517	7	.	.	PUNCT
fsr-3532	518	1	financial	financial	ADJ
fsr-3532	518	2	literacy	literacy	NOUN
fsr-3532	518	3	:	:	PUNCT
fsr-3532	518	4	an	an	DET
fsr-3532	518	5	essential	essential	ADJ
fsr-3532	518	6	tool	tool	NOUN
fsr-3532	518	7	for	for	ADP
fsr-3532	518	8	informed	informed	ADJ
fsr-3532	518	9	consumer	consumer	NOUN
fsr-3532	518	10	choice	choice	NOUN
fsr-3532	518	11	?	?	PUNCT
fsr-3532	519	1	working	work	VERB
fsr-3532	519	2	paper	paper	NOUN
fsr-3532	519	3	no	no	INTJ
fsr-3532	519	4	.	.	PUNCT
fsr-3532	520	1	w1408	w1408	PROPN
fsr-3532	520	2	.	.	PUNCT
fsr-3532	521	1	cambridge	cambridge	PROPN
fsr-3532	521	2	,	,	PUNCT
fsr-3532	521	3	ma	ma	PROPN
fsr-3532	521	4	:	:	PUNCT
fsr-3532	521	5	national	national	PROPN
fsr-3532	521	6	bureau	bureau	PROPN
fsr-3532	521	7	of	of	ADP
fsr-3532	521	8	economic	economic	ADJ
fsr-3532	521	9	research	research	NOUN
fsr-3532	521	10	.	.	PUNCT
fsr-3532	522	1	lusardi	lusardi	PROPN
fsr-3532	522	2	,	,	PUNCT
fsr-3532	522	3	a.	a.	PROPN
fsr-3532	522	4	,	,	PUNCT
fsr-3532	522	5	&	&	CCONJ
fsr-3532	522	6	mitchell	mitchell	PROPN
fsr-3532	522	7	,	,	PUNCT
fsr-3532	522	8	o.	o.	PROPN
fsr-3532	522	9	s.	s.	PROPN
fsr-3532	522	10	(	(	PUNCT
fsr-3532	522	11	2005	2005	NUM
fsr-3532	522	12	)	)	PUNCT
fsr-3532	522	13	.	.	PUNCT
fsr-3532	523	1	financial	financial	ADJ
fsr-3532	523	2	literacy	literacy	NOUN
fsr-3532	523	3	and	and	CCONJ
fsr-3532	523	4	planning	planning	NOUN
fsr-3532	523	5	:	:	PUNCT
fsr-3532	523	6	implications	implication	NOUN
fsr-3532	523	7	for	for	ADP
fsr-3532	523	8	retirement	retirement	NOUN
fsr-3532	523	9	wellbeing	wellbeing	NOUN
fsr-3532	523	10	.	.	PUNCT
fsr-3532	524	1	michigan	michigan	PROPN
fsr-3532	524	2	retirement	retirement	PROPN
fsr-3532	524	3	research	research	PROPN
fsr-3532	524	4	center	center	PROPN
fsr-3532	524	5	research	research	NOUN
fsr-3532	524	6	paper	paper	NOUN
fsr-3532	524	7	,	,	PUNCT
fsr-3532	524	8	no	no	INTJ
fsr-3532	524	9	.	.	PUNCT
fsr-3532	525	1	wp	wp	NOUN
fsr-3532	525	2	,	,	PUNCT
fsr-3532	525	3	10	10	NUM
fsr-3532	525	4	.	.	PUNCT
fsr-3532	525	5	available	available	ADJ
fsr-3532	525	6	at	at	ADP
fsr-3532	525	7	ssnr	ssnr	NOUN
fsr-3532	525	8	https://ssrn.com/	https://ssrn.com/	ADJ
fsr-3532	525	9	abstract¼1848593	abstract¼1848593	NOUN
fsr-3532	525	10	166	166	NUM
fsr-3532	525	11	l.	l.	PROPN
fsr-3532	525	12	a.	a.	PROPN
fsr-3532	525	13	v.	v.	PROPN
fsr-3532	525	14	augustin	augustin	PROPN
fsr-3532	525	15	and	and	CCONJ
fsr-3532	525	16	t.	t.	PROPN
fsr-3532	525	17	k.	k.	PROPN
fsr-3532	525	18	martin	martin	PROPN
fsr-3532	525	19	/	/	SYM
fsr-3532	525	20	financial	financial	ADJ
fsr-3532	525	21	services	service	NOUN
fsr-3532	525	22	review	review	VERB
fsr-3532	525	23	31	31	NUM
fsr-3532	525	24	(	(	PUNCT
fsr-3532	525	25	2023	2023	NUM
fsr-3532	525	26	)	)	PUNCT
fsr-3532	525	27	151–167	151–167	NUM
fsr-3532	525	28	lusardi	lusardi	NOUN
fsr-3532	525	29	,	,	PUNCT
fsr-3532	525	30	a.	a.	PROPN
fsr-3532	525	31	,	,	PUNCT
fsr-3532	525	32	mitchell	mitchell	PROPN
fsr-3532	525	33	,	,	PUNCT
fsr-3532	525	34	o.	o.	PROPN
fsr-3532	525	35	s.	s.	PROPN
fsr-3532	525	36	,	,	PUNCT
fsr-3532	525	37	&	&	CCONJ
fsr-3532	525	38	curto	curto	PROPN
fsr-3532	525	39	,	,	PUNCT
fsr-3532	525	40	v.	v.	PROPN
fsr-3532	525	41	(	(	PUNCT
fsr-3532	525	42	2010	2010	NUM
fsr-3532	525	43	)	)	PUNCT
fsr-3532	525	44	.	.	PUNCT
fsr-3532	526	1	financial	financial	ADJ
fsr-3532	526	2	literacy	literacy	NOUN
fsr-3532	526	3	among	among	ADP
fsr-3532	526	4	the	the	DET
fsr-3532	526	5	young	young	ADJ
fsr-3532	526	6	:	:	PUNCT
fsr-3532	526	7	evidence	evidence	NOUN
fsr-3532	526	8	and	and	CCONJ
fsr-3532	526	9	implications	implication	NOUN
fsr-3532	526	10	for	for	ADP
fsr-3532	526	11	consumer	consumer	NOUN
fsr-3532	526	12	policy	policy	NOUN
fsr-3532	526	13	.	.	PUNCT
fsr-3532	527	1	journal	journal	NOUN
fsr-3532	527	2	of	of	ADP
fsr-3532	527	3	consumer	consumer	NOUN
fsr-3532	527	4	affairs	affair	NOUN
fsr-3532	527	5	,	,	PUNCT
fsr-3532	527	6	44	44	NUM
fsr-3532	527	7	,	,	PUNCT
fsr-3532	527	8	358–380	358–380	NUM
fsr-3532	527	9	.	.	PUNCT
fsr-3532	528	1	lusardi	lusardi	PROPN
fsr-3532	528	2	,	,	PUNCT
fsr-3532	528	3	a.	a.	PROPN
fsr-3532	528	4	,	,	PUNCT
fsr-3532	528	5	&	&	CCONJ
fsr-3532	528	6	tufano	tufano	ADJ
fsr-3532	528	7	,	,	PUNCT
fsr-3532	528	8	p.	p.	NOUN
fsr-3532	528	9	(	(	PUNCT
fsr-3532	528	10	2015	2015	NUM
fsr-3532	528	11	)	)	PUNCT
fsr-3532	528	12	.	.	PUNCT
fsr-3532	529	1	debt	debt	NOUN
fsr-3532	529	2	literacy	literacy	NOUN
fsr-3532	529	3	,	,	PUNCT
fsr-3532	529	4	financial	financial	ADJ
fsr-3532	529	5	experiences	experience	NOUN
fsr-3532	529	6	,	,	PUNCT
fsr-3532	529	7	and	and	CCONJ
fsr-3532	529	8	overindebtedness	overindebtedness	NOUN
fsr-3532	529	9	.	.	PUNCT
fsr-3532	530	1	journal	journal	NOUN
fsr-3532	530	2	of	of	ADP
fsr-3532	530	3	pension	pension	NOUN
fsr-3532	530	4	economics	economic	NOUN
fsr-3532	530	5	&	&	CCONJ
fsr-3532	530	6	finance	finance	PROPN
fsr-3532	530	7	,	,	PUNCT
fsr-3532	530	8	14(4	14(4	NUM
fsr-3532	530	9	)	)	PUNCT
fsr-3532	530	10	,	,	PUNCT
fsr-3532	530	11	332–368	332–368	NUM
fsr-3532	530	12	.	.	PUNCT
fsr-3532	531	1	mcgarry	mcgarry	PROPN
fsr-3532	531	2	,	,	PUNCT
fsr-3532	531	3	k.	k.	PROPN
fsr-3532	531	4	(	(	PUNCT
fsr-3532	531	5	1999	1999	NUM
fsr-3532	531	6	)	)	PUNCT
fsr-3532	531	7	.	.	PUNCT
fsr-3532	532	1	inter	inter	PROPN
fsr-3532	532	2	vivos	vivos	ADJ
fsr-3532	532	3	transfers	transfer	NOUN
fsr-3532	532	4	and	and	CCONJ
fsr-3532	532	5	intended	intend	VERB
fsr-3532	532	6	bequests	bequest	NOUN
fsr-3532	532	7	.	.	PUNCT
fsr-3532	533	1	journal	journal	NOUN
fsr-3532	533	2	of	of	ADP
fsr-3532	533	3	public	public	ADJ
fsr-3532	533	4	economics	economic	NOUN
fsr-3532	533	5	,	,	PUNCT
fsr-3532	533	6	73	73	NUM
fsr-3532	533	7	,	,	PUNCT
fsr-3532	533	8	321–351	321–351	NUM
fsr-3532	533	9	.	.	PUNCT
fsr-3532	534	1	meier	meier	PROPN
fsr-3532	534	2	,	,	PUNCT
fsr-3532	534	3	s.	s.	PROPN
fsr-3532	534	4	,	,	PUNCT
fsr-3532	534	5	&	&	CCONJ
fsr-3532	534	6	sprenger	sprenger	PROPN
fsr-3532	534	7	,	,	PUNCT
fsr-3532	534	8	c.	c.	PROPN
fsr-3532	534	9	d.	d.	PROPN
fsr-3532	534	10	(	(	PUNCT
fsr-3532	534	11	2013	2013	NUM
fsr-3532	534	12	)	)	PUNCT
fsr-3532	534	13	.	.	PUNCT
fsr-3532	535	1	discounting	discount	VERB
fsr-3532	535	2	financial	financial	ADJ
fsr-3532	535	3	literacy	literacy	NOUN
fsr-3532	535	4	:	:	PUNCT
fsr-3532	535	5	time	time	NOUN
fsr-3532	535	6	preferences	preference	NOUN
fsr-3532	535	7	and	and	CCONJ
fsr-3532	535	8	participation	participation	NOUN
fsr-3532	535	9	in	in	ADP
fsr-3532	535	10	financial	financial	ADJ
fsr-3532	535	11	education	education	NOUN
fsr-3532	535	12	program	program	NOUN
fsr-3532	535	13	.	.	PUNCT
fsr-3532	536	1	journal	journal	NOUN
fsr-3532	536	2	of	of	ADP
fsr-3532	536	3	economic	economic	ADJ
fsr-3532	536	4	behavior	behavior	NOUN
fsr-3532	536	5	&	&	CCONJ
fsr-3532	536	6	organization	organization	PROPN
fsr-3532	536	7	,	,	PUNCT
fsr-3532	536	8	95	95	NUM
fsr-3532	536	9	,	,	PUNCT
fsr-3532	536	10	159–174	159–174	NUM
fsr-3532	536	11	.	.	PUNCT
fsr-3532	537	1	mitchell	mitchell	PROPN
fsr-3532	537	2	,	,	PUNCT
fsr-3532	537	3	o.	o.	PROPN
fsr-3532	537	4	s.	s.	PROPN
fsr-3532	537	5	(	(	PUNCT
fsr-3532	537	6	1988	1988	NUM
fsr-3532	537	7	)	)	PUNCT
fsr-3532	537	8	.	.	PUNCT
fsr-3532	538	1	worker	worker	NOUN
fsr-3532	538	2	knowledge	knowledge	NOUN
fsr-3532	538	3	of	of	ADP
fsr-3532	538	4	pension	pension	NOUN
fsr-3532	538	5	provisions	provision	NOUN
fsr-3532	538	6	.	.	PUNCT
fsr-3532	539	1	journal	journal	NOUN
fsr-3532	539	2	of	of	ADP
fsr-3532	539	3	labor	labor	NOUN
fsr-3532	539	4	economics	economic	NOUN
fsr-3532	539	5	,	,	PUNCT
fsr-3532	539	6	6	6	NUM
fsr-3532	539	7	,	,	PUNCT
fsr-3532	539	8	21–39	21–39	NUM
fsr-3532	539	9	.	.	PUNCT
fsr-3532	540	1	ning	ning	PROPN
fsr-3532	540	2	,	,	PUNCT
fsr-3532	540	3	t.	t.	PROPN
fsr-3532	540	4	,	,	PUNCT
fsr-3532	540	5	peter	peter	PROPN
fsr-3532	540	6	,	,	PUNCT
fsr-3532	540	7	p.	p.	NOUN
fsr-3532	540	8	(	(	PUNCT
fsr-3532	540	9	2015	2015	NUM
fsr-3532	540	10	)	)	PUNCT
fsr-3532	540	11	.	.	PUNCT
fsr-3532	541	1	financial	financial	ADJ
fsr-3532	541	2	knowledge	knowledge	NOUN
fsr-3532	541	3	acquisition	acquisition	NOUN
fsr-3532	541	4	among	among	ADP
fsr-3532	541	5	the	the	DET
fsr-3532	541	6	young	young	NOUN
fsr-3532	541	7	:	:	PUNCT
fsr-3532	541	8	the	the	DET
fsr-3532	541	9	role	role	NOUN
fsr-3532	541	10	of	of	ADP
fsr-3532	541	11	financial	financial	ADJ
fsr-3532	541	12	education	education	NOUN
fsr-3532	541	13	,	,	PUNCT
fsr-3532	541	14	financial	financial	ADJ
fsr-3532	541	15	experience	experience	NOUN
fsr-3532	541	16	,	,	PUNCT
fsr-3532	541	17	and	and	CCONJ
fsr-3532	541	18	parents	parent	NOUN
fsr-3532	541	19	’	’	PART
fsr-3532	541	20	financial	financial	ADJ
fsr-3532	541	21	experience	experience	NOUN
fsr-3532	541	22	.	.	PUNCT
fsr-3532	542	1	financial	financial	ADJ
fsr-3532	542	2	services	service	NOUN
fsr-3532	542	3	review	review	PROPN
fsr-3532	542	4	,	,	PUNCT
fsr-3532	542	5	24	24	NUM
fsr-3532	542	6	,	,	PUNCT
fsr-3532	542	7	119–137	119–137	NUM
fsr-3532	542	8	.	.	PUNCT
fsr-3532	543	1	picone	picone	PROPN
fsr-3532	543	2	,	,	PUNCT
fsr-3532	543	3	g.	g.	PROPN
fsr-3532	543	4	,	,	PUNCT
fsr-3532	543	5	uribe	uribe	PROPN
fsr-3532	543	6	,	,	PUNCT
fsr-3532	543	7	m.	m.	NOUN
fsr-3532	543	8	,	,	PUNCT
fsr-3532	543	9	&	&	CCONJ
fsr-3532	543	10	wilson	wilson	PROPN
fsr-3532	543	11	,	,	PUNCT
fsr-3532	543	12	r.	r.	PROPN
fsr-3532	543	13	m.	m.	PROPN
fsr-3532	543	14	(	(	PUNCT
fsr-3532	543	15	1998	1998	NUM
fsr-3532	543	16	)	)	PUNCT
fsr-3532	543	17	.	.	PUNCT
fsr-3532	544	1	the	the	DET
fsr-3532	544	2	effect	effect	NOUN
fsr-3532	544	3	of	of	ADP
fsr-3532	544	4	uncertainty	uncertainty	NOUN
fsr-3532	544	5	on	on	ADP
fsr-3532	544	6	the	the	DET
fsr-3532	544	7	demand	demand	NOUN
fsr-3532	544	8	for	for	ADP
fsr-3532	544	9	medical	medical	ADJ
fsr-3532	544	10	care	care	NOUN
fsr-3532	544	11	,	,	PUNCT
fsr-3532	544	12	health	health	NOUN
fsr-3532	544	13	capital	capital	NOUN
fsr-3532	544	14	and	and	CCONJ
fsr-3532	544	15	wealth	wealth	NOUN
fsr-3532	544	16	.	.	PUNCT
fsr-3532	545	1	journal	journal	PROPN
fsr-3532	545	2	of	of	ADP
fsr-3532	545	3	health	health	NOUN
fsr-3532	545	4	economics	economic	NOUN
fsr-3532	545	5	,	,	PUNCT
fsr-3532	545	6	17	17	NUM
fsr-3532	545	7	,	,	PUNCT
fsr-3532	545	8	171–185	171–185	NUM
fsr-3532	545	9	.	.	PUNCT
fsr-3532	546	1	remund	remund	NOUN
fsr-3532	546	2	,	,	PUNCT
fsr-3532	546	3	d.	d.	PROPN
fsr-3532	546	4	l.	l.	PROPN
fsr-3532	546	5	(	(	PUNCT
fsr-3532	546	6	2010	2010	NUM
fsr-3532	546	7	)	)	PUNCT
fsr-3532	546	8	.	.	PUNCT
fsr-3532	547	1	financial	financial	ADJ
fsr-3532	547	2	literacy	literacy	NOUN
fsr-3532	547	3	explicated	explicate	VERB
fsr-3532	547	4	:	:	PUNCT
fsr-3532	547	5	the	the	DET
fsr-3532	547	6	case	case	NOUN
fsr-3532	547	7	for	for	ADP
fsr-3532	547	8	a	a	DET
fsr-3532	547	9	clearer	clear	ADJ
fsr-3532	547	10	definition	definition	NOUN
fsr-3532	547	11	in	in	ADP
fsr-3532	547	12	an	an	DET
fsr-3532	547	13	increasingly	increasingly	ADV
fsr-3532	547	14	complex	complex	ADJ
fsr-3532	547	15	economy	economy	NOUN
fsr-3532	547	16	.	.	PUNCT
fsr-3532	548	1	journal	journal	PROPN
fsr-3532	548	2	of	of	ADP
fsr-3532	548	3	consumer	consumer	NOUN
fsr-3532	548	4	affairs	affair	NOUN
fsr-3532	548	5	,	,	PUNCT
fsr-3532	548	6	44	44	NUM
fsr-3532	548	7	,	,	PUNCT
fsr-3532	548	8	276–295	276–295	NUM
fsr-3532	548	9	.	.	PUNCT
fsr-3532	548	10	rix	rix	PROPN
fsr-3532	548	11	,	,	PUNCT
fsr-3532	548	12	s.	s.	PROPN
fsr-3532	548	13	e.	e.	PROPN
fsr-3532	548	14	,	,	PUNCT
fsr-3532	548	15	haider	haider	PROPN
fsr-3532	548	16	,	,	PUNCT
fsr-3532	548	17	s.	s.	PROPN
fsr-3532	548	18	,	,	PUNCT
fsr-3532	548	19	hurd	hurd	PROPN
fsr-3532	548	20	,	,	PUNCT
fsr-3532	548	21	m.	m.	NOUN
fsr-3532	548	22	,	,	PUNCT
fsr-3532	548	23	reardon	reardon	PROPN
fsr-3532	548	24	,	,	PUNCT
fsr-3532	548	25	e.	e.	PROPN
fsr-3532	548	26	,	,	PUNCT
fsr-3532	548	27	&	&	CCONJ
fsr-3532	548	28	williamson	williamson	PROPN
fsr-3532	548	29	,	,	PUNCT
fsr-3532	548	30	s.	s.	PROPN
fsr-3532	548	31	(	(	PUNCT
fsr-3532	548	32	2000	2000	NUM
fsr-3532	548	33	)	)	PUNCT
fsr-3532	548	34	.	.	PUNCT
fsr-3532	549	1	patterns	pattern	NOUN
fsr-3532	549	2	of	of	ADP
fsr-3532	549	3	dissaving	dissave	VERB
fsr-3532	549	4	in	in	ADP
fsr-3532	549	5	retirement	retirement	NOUN
fsr-3532	549	6	.	.	PUNCT
fsr-3532	550	1	washington	washington	PROPN
fsr-3532	550	2	,	,	PUNCT
fsr-3532	550	3	dc	dc	PROPN
fsr-3532	550	4	:	:	PUNCT
fsr-3532	550	5	aarp	aarp	PROPN
fsr-3532	550	6	public	public	ADJ
fsr-3532	550	7	policy	policy	NOUN
fsr-3532	550	8	institute	institute	PROPN
fsr-3532	550	9	.	.	PUNCT
fsr-3532	551	1	scholz	scholz	PROPN
fsr-3532	551	2	,	,	PUNCT
fsr-3532	551	3	j.	j.	PROPN
fsr-3532	551	4	k.	k.	PROPN
fsr-3532	551	5	,	,	PUNCT
fsr-3532	551	6	seshadri	seshadri	PROPN
fsr-3532	551	7	,	,	PUNCT
fsr-3532	551	8	a.	a.	NOUN
fsr-3532	551	9	,	,	PUNCT
fsr-3532	551	10	&	&	CCONJ
fsr-3532	551	11	khitatrakun	khitatrakun	PROPN
fsr-3532	551	12	,	,	PUNCT
fsr-3532	551	13	s.	s.	PROPN
fsr-3532	551	14	(	(	PUNCT
fsr-3532	551	15	2006	2006	NUM
fsr-3532	551	16	)	)	PUNCT
fsr-3532	551	17	.	.	PUNCT
fsr-3532	552	1	are	be	AUX
fsr-3532	552	2	americans	americans	PROPN
fsr-3532	552	3	saving	save	VERB
fsr-3532	552	4	"	"	PUNCT
fsr-3532	552	5	optimally	optimally	ADV
fsr-3532	552	6	"	"	PUNCT
fsr-3532	552	7	for	for	ADP
fsr-3532	552	8	retirement	retirement	NOUN
fsr-3532	552	9	?	?	PUNCT
fsr-3532	553	1	journal	journal	NOUN
fsr-3532	553	2	of	of	ADP
fsr-3532	553	3	political	political	ADJ
fsr-3532	553	4	economy	economy	NOUN
fsr-3532	553	5	,	,	PUNCT
fsr-3532	553	6	114	114	NUM
fsr-3532	553	7	,	,	PUNCT
fsr-3532	553	8	607–643	607–643	NUM
fsr-3532	553	9	.	.	PUNCT
fsr-3532	554	1	schwab	schwab	PROPN
fsr-3532	554	2	,	,	PUNCT
fsr-3532	554	3	c.	c.	PROPN
fsr-3532	554	4	,	,	PUNCT
fsr-3532	554	5	iannicola	iannicola	PROPN
fsr-3532	554	6	,	,	PUNCT
fsr-3532	554	7	d.	d.	PROPN
fsr-3532	554	8	,	,	PUNCT
fsr-3532	554	9	jr	jr	PROPN
fsr-3532	554	10	,	,	PUNCT
fsr-3532	554	11	beck	beck	PROPN
fsr-3532	554	12	,	,	PUNCT
fsr-3532	554	13	t.	t.	PROPN
fsr-3532	554	14	,	,	PUNCT
fsr-3532	554	15	et	et	PROPN
fsr-3532	554	16	al	al	PROPN
fsr-3532	554	17	.	.	PUNCT
fsr-3532	554	18	(	(	PUNCT
fsr-3532	554	19	2008	2008	NUM
fsr-3532	554	20	)	)	PUNCT
fsr-3532	554	21	.	.	PUNCT
fsr-3532	555	1	president	president	PROPN
fsr-3532	555	2	’s	’s	PART
fsr-3532	555	3	advisory	advisory	ADJ
fsr-3532	555	4	council	council	NOUN
fsr-3532	555	5	on	on	ADP
fsr-3532	555	6	financial	financial	ADJ
fsr-3532	555	7	literacy	literacy	NOUN
fsr-3532	555	8	.	.	PUNCT
fsr-3532	556	1	washington	washington	PROPN
fsr-3532	556	2	,	,	PUNCT
fsr-3532	556	3	dc	dc	PROPN
fsr-3532	556	4	:	:	PUNCT
fsr-3532	556	5	the	the	DET
fsr-3532	556	6	department	department	NOUN
fsr-3532	556	7	of	of	ADP
fsr-3532	556	8	the	the	DET
fsr-3532	556	9	treasury	treasury	PROPN
fsr-3532	556	10	.	.	PUNCT
fsr-3532	557	1	sekita	sekita	PROPN
fsr-3532	557	2	,	,	PUNCT
fsr-3532	557	3	s.	s.	PROPN
fsr-3532	557	4	,	,	PUNCT
fsr-3532	557	5	horioka	horioka	NOUN
fsr-3532	557	6	,	,	PUNCT
fsr-3532	557	7	c.	c.	PROPN
fsr-3532	557	8	y.	y.	PROPN
fsr-3532	557	9	,	,	PUNCT
fsr-3532	557	10	kajitani	kajitani	PROPN
fsr-3532	557	11	,	,	PUNCT
fsr-3532	557	12	s.	s.	PROPN
fsr-3532	557	13	,	,	PUNCT
fsr-3532	557	14	et	et	PROPN
fsr-3532	557	15	al	al	PROPN
fsr-3532	557	16	.	.	PUNCT
fsr-3532	558	1	(	(	PUNCT
fsr-3532	558	2	2011	2011	NUM
fsr-3532	558	3	)	)	PUNCT
fsr-3532	558	4	.	.	PUNCT
fsr-3532	559	1	financial	financial	ADJ
fsr-3532	559	2	literacy	literacy	NOUN
fsr-3532	559	3	and	and	CCONJ
fsr-3532	559	4	retirement	retirement	NOUN
fsr-3532	559	5	planning	planning	NOUN
fsr-3532	559	6	in	in	ADP
fsr-3532	559	7	japan	japan	PROPN
fsr-3532	559	8	.	.	PUNCT
fsr-3532	560	1	journal	journal	PROPN
fsr-3532	560	2	of	of	ADP
fsr-3532	560	3	pension	pension	NOUN
fsr-3532	560	4	economics	economic	NOUN
fsr-3532	560	5	and	and	CCONJ
fsr-3532	560	6	finance	finance	NOUN
fsr-3532	560	7	,	,	PUNCT
fsr-3532	560	8	10	10	NUM
fsr-3532	560	9	,	,	PUNCT
fsr-3532	560	10	637–656	637–656	NUM
fsr-3532	560	11	.	.	PUNCT
fsr-3532	561	1	sethi	sethi	NOUN
fsr-3532	561	2	-	-	PUNCT
fsr-3532	561	3	iyengar	iyengar	PROPN
fsr-3532	561	4	,	,	PUNCT
fsr-3532	561	5	s.	s.	PROPN
fsr-3532	561	6	,	,	PUNCT
fsr-3532	561	7	huberman	huberman	NOUN
fsr-3532	561	8	,	,	PUNCT
fsr-3532	561	9	g.	g.	PROPN
fsr-3532	561	10	,	,	PUNCT
fsr-3532	561	11	&	&	CCONJ
fsr-3532	561	12	jiang	jiang	PROPN
fsr-3532	561	13	,	,	PUNCT
fsr-3532	561	14	g.	g.	PROPN
fsr-3532	561	15	(	(	PUNCT
fsr-3532	561	16	2004	2004	NUM
fsr-3532	561	17	)	)	PUNCT
fsr-3532	561	18	.	.	PUNCT
fsr-3532	562	1	how	how	SCONJ
fsr-3532	562	2	much	much	ADJ
fsr-3532	562	3	choice	choice	NOUN
fsr-3532	562	4	is	be	AUX
fsr-3532	562	5	too	too	ADV
fsr-3532	562	6	much	much	ADJ
fsr-3532	562	7	?	?	PUNCT
fsr-3532	563	1	contributions	contribution	NOUN
fsr-3532	563	2	to	to	ADP
fsr-3532	563	3	401(k	401(k	PROPN
fsr-3532	563	4	)	)	PUNCT
fsr-3532	563	5	retirement	retirement	NOUN
fsr-3532	563	6	plans	plan	NOUN
fsr-3532	563	7	.	.	PUNCT
fsr-3532	564	1	pension	pension	NOUN
fsr-3532	564	2	design	design	NOUN
fsr-3532	564	3	and	and	CCONJ
fsr-3532	564	4	structure	structure	NOUN
fsr-3532	564	5	:	:	PUNCT
fsr-3532	564	6	new	new	ADJ
fsr-3532	564	7	lessons	lesson	NOUN
fsr-3532	564	8	from	from	ADP
fsr-3532	564	9	behavioral	behavioral	ADJ
fsr-3532	564	10	finance	finance	NOUN
fsr-3532	564	11	,	,	PUNCT
fsr-3532	564	12	83	83	NUM
fsr-3532	564	13	,	,	PUNCT
fsr-3532	564	14	84–87	84–87	NUM
fsr-3532	564	15	.	.	PUNCT
fsr-3532	565	1	taft	taft	PROPN
fsr-3532	565	2	,	,	PUNCT
fsr-3532	565	3	k.	k.	PROPN
fsr-3532	565	4	m.	m.	PROPN
fsr-3532	565	5	,	,	PUNCT
fsr-3532	565	6	hosein	hosein	PROPN
fsr-3532	565	7	,	,	PUNCT
fsr-3532	565	8	z.	z.	PROPN
fsr-3532	565	9	z.	z.	PROPN
fsr-3532	565	10	,	,	PUNCT
fsr-3532	565	11	mehrizi	mehrizi	PROPN
fsr-3532	565	12	,	,	PUNCT
fsr-3532	565	13	s.	s.	PROPN
fsr-3532	565	14	m.	m.	PROPN
fsr-3532	565	15	t.	t.	PROPN
fsr-3532	565	16	,	,	PUNCT
fsr-3532	565	17	&	&	CCONJ
fsr-3532	565	18	roshan	roshan	PROPN
fsr-3532	565	19	,	,	PUNCT
fsr-3532	565	20	a.	a.	NOUN
fsr-3532	565	21	(	(	PUNCT
fsr-3532	565	22	2013	2013	NUM
fsr-3532	565	23	)	)	PUNCT
fsr-3532	565	24	.	.	PUNCT
fsr-3532	566	1	the	the	DET
fsr-3532	566	2	relation	relation	NOUN
fsr-3532	566	3	between	between	ADP
fsr-3532	566	4	financial	financial	ADJ
fsr-3532	566	5	literacy	literacy	NOUN
fsr-3532	566	6	,	,	PUNCT
fsr-3532	566	7	financial	financial	ADJ
fsr-3532	566	8	wellbeing	wellbeing	NOUN
fsr-3532	566	9	and	and	CCONJ
fsr-3532	566	10	financial	financial	ADJ
fsr-3532	566	11	concerns	concern	NOUN
fsr-3532	566	12	.	.	PUNCT
fsr-3532	567	1	international	international	ADJ
fsr-3532	567	2	journal	journal	PROPN
fsr-3532	567	3	of	of	ADP
fsr-3532	567	4	business	business	NOUN
fsr-3532	567	5	and	and	CCONJ
fsr-3532	567	6	management	management	NOUN
fsr-3532	567	7	,	,	PUNCT
fsr-3532	567	8	8	8	NUM
fsr-3532	567	9	.	.	PUNCT
fsr-3532	568	1	van	van	PROPN
fsr-3532	568	2	rooij	rooij	NOUN
fsr-3532	568	3	,	,	PUNCT
fsr-3532	568	4	m.	m.	NOUN
fsr-3532	568	5	,	,	PUNCT
fsr-3532	568	6	lusardi	lusardi	PROPN
fsr-3532	568	7	,	,	PUNCT
fsr-3532	568	8	a.	a.	NOUN
fsr-3532	568	9	,	,	PUNCT
fsr-3532	568	10	&	&	CCONJ
fsr-3532	568	11	alessie	alessie	PROPN
fsr-3532	568	12	,	,	PUNCT
fsr-3532	568	13	r.	r.	PROPN
fsr-3532	568	14	(	(	PUNCT
fsr-3532	568	15	2011	2011	NUM
fsr-3532	568	16	)	)	PUNCT
fsr-3532	568	17	.	.	PUNCT
fsr-3532	569	1	financial	financial	ADJ
fsr-3532	569	2	literacy	literacy	NOUN
fsr-3532	569	3	and	and	CCONJ
fsr-3532	569	4	stock	stock	NOUN
fsr-3532	569	5	market	market	NOUN
fsr-3532	569	6	participation	participation	NOUN
fsr-3532	569	7	.	.	PUNCT
fsr-3532	570	1	journal	journal	NOUN
fsr-3532	570	2	of	of	ADP
fsr-3532	570	3	financial	financial	ADJ
fsr-3532	570	4	economics	economic	NOUN
fsr-3532	570	5	,	,	PUNCT
fsr-3532	570	6	101	101	NUM
fsr-3532	570	7	,	,	PUNCT
fsr-3532	570	8	449–472	449–472	NUM
fsr-3532	570	9	.	.	PUNCT
fsr-3532	571	1	van	van	PROPN
fsr-3532	571	2	rooij	rooij	NOUN
fsr-3532	571	3	,	,	PUNCT
fsr-3532	571	4	m.	m.	PROPN
fsr-3532	571	5	c.	c.	PROPN
fsr-3532	571	6	j.	j.	PROPN
fsr-3532	571	7	,	,	PUNCT
fsr-3532	571	8	lusardi	lusardi	PROPN
fsr-3532	571	9	,	,	PUNCT
fsr-3532	571	10	a.	a.	NOUN
fsr-3532	571	11	,	,	PUNCT
fsr-3532	571	12	&	&	CCONJ
fsr-3532	571	13	alessie	alessie	PROPN
fsr-3532	571	14	,	,	PUNCT
fsr-3532	571	15	r.	r.	PROPN
fsr-3532	571	16	j.	j.	PROPN
fsr-3532	571	17	m.	m.	PROPN
fsr-3532	571	18	(	(	PUNCT
fsr-3532	571	19	2012	2012	NUM
fsr-3532	571	20	)	)	PUNCT
fsr-3532	571	21	.	.	PUNCT
fsr-3532	572	1	financial	financial	ADJ
fsr-3532	572	2	literacy	literacy	NOUN
fsr-3532	572	3	,	,	PUNCT
fsr-3532	572	4	retirement	retirement	NOUN
fsr-3532	572	5	planning	planning	NOUN
fsr-3532	572	6	,	,	PUNCT
fsr-3532	572	7	and	and	CCONJ
fsr-3532	572	8	household	household	NOUN
fsr-3532	572	9	wealth	wealth	NOUN
fsr-3532	572	10	.	.	PUNCT
fsr-3532	573	1	the	the	DET
fsr-3532	573	2	economic	economic	ADJ
fsr-3532	573	3	journal	journal	NOUN
fsr-3532	573	4	,	,	PUNCT
fsr-3532	573	5	122	122	NUM
fsr-3532	573	6	,	,	PUNCT
fsr-3532	573	7	449–478	449–478	NUM
fsr-3532	573	8	.	.	PUNCT
fsr-3532	573	9	vinet	vinet	PROPN
fsr-3532	573	10	,	,	PUNCT
fsr-3532	573	11	l.	l.	PROPN
fsr-3532	573	12	,	,	PUNCT
fsr-3532	573	13	&	&	CCONJ
fsr-3532	573	14	zhedanov	zhedanov	PROPN
fsr-3532	573	15	,	,	PUNCT
fsr-3532	573	16	a.	a.	NOUN
fsr-3532	573	17	(	(	PUNCT
fsr-3532	573	18	2010	2010	NUM
fsr-3532	573	19	)	)	PUNCT
fsr-3532	573	20	.	.	PUNCT
fsr-3532	574	1	a	a	DET
fsr-3532	574	2	“	"	PUNCT
fsr-3532	574	3	missing	missing	ADJ
fsr-3532	574	4	”	"	PUNCT
fsr-3532	574	5	family	family	NOUN
fsr-3532	574	6	of	of	ADP
fsr-3532	574	7	classical	classical	ADJ
fsr-3532	574	8	orthogonal	orthogonal	ADJ
fsr-3532	574	9	polynomials	polynomial	NOUN
fsr-3532	574	10	.	.	PUNCT
fsr-3532	575	1	quarterly	quarterly	ADJ
fsr-3532	575	2	journal	journal	NOUN
fsr-3532	575	3	of	of	ADP
fsr-3532	575	4	finance	finance	NOUN
fsr-3532	575	5	,	,	PUNCT
fsr-3532	575	6	07	07	NUM
fsr-3532	575	7	,	,	PUNCT
fsr-3532	575	8	1750008	1750008	NUM
fsr-3532	575	9	.	.	PUNCT
fsr-3532	576	1	willis	willis	PROPN
fsr-3532	576	2	,	,	PUNCT
fsr-3532	576	3	l.	l.	PROPN
fsr-3532	576	4	e.	e.	PROPN
fsr-3532	576	5	(	(	PUNCT
fsr-3532	576	6	2008	2008	NUM
fsr-3532	576	7	)	)	PUNCT
fsr-3532	576	8	.	.	PUNCT
fsr-3532	577	1	against	against	ADP
fsr-3532	577	2	financial	financial	ADJ
fsr-3532	577	3	literacy	literacy	NOUN
fsr-3532	577	4	education	education	NOUN
fsr-3532	577	5	.	.	PUNCT
fsr-3532	578	1	iowa	iowa	PROPN
fsr-3532	578	2	law	law	PROPN
fsr-3532	578	3	review	review	PROPN
fsr-3532	578	4	,	,	PUNCT
fsr-3532	578	5	94	94	NUM
fsr-3532	578	6	,	,	PUNCT
fsr-3532	578	7	(	(	PUNCT
fsr-3532	578	8	08	08	NUM
fsr-3532	578	9	-	-	SYM
fsr-3532	578	10	10	10	NUM
fsr-3532	578	11	)	)	PUNCT
fsr-3532	578	12	.	.	PUNCT
fsr-3532	579	1	willis	willis	PROPN
fsr-3532	579	2	,	,	PUNCT
fsr-3532	579	3	l.	l.	PROPN
fsr-3532	579	4	e.	e.	PROPN
fsr-3532	579	5	(	(	PUNCT
fsr-3532	579	6	2009	2009	NUM
fsr-3532	579	7	)	)	PUNCT
fsr-3532	579	8	.	.	PUNCT
fsr-3532	580	1	evidence	evidence	NOUN
fsr-3532	580	2	and	and	CCONJ
fsr-3532	580	3	ideology	ideology	NOUN
fsr-3532	580	4	in	in	ADP
fsr-3532	580	5	assessing	assess	VERB
fsr-3532	580	6	the	the	DET
fsr-3532	580	7	effectiveness	effectiveness	NOUN
fsr-3532	580	8	of	of	ADP
fsr-3532	580	9	financial	financial	ADJ
fsr-3532	580	10	literacy	literacy	NOUN
fsr-3532	580	11	education	education	NOUN
fsr-3532	580	12	.	.	PUNCT
fsr-3532	581	1	san	san	PROPN
fsr-3532	581	2	diego	diego	PROPN
fsr-3532	581	3	law	law	PROPN
fsr-3532	581	4	review	review	PROPN
fsr-3532	581	5	,	,	PUNCT
fsr-3532	581	6	46	46	NUM
fsr-3532	581	7	,	,	PUNCT
fsr-3532	581	8	415–458	415–458	NUM
fsr-3532	581	9	.	.	PUNCT
fsr-3532	582	1	yuh	yuh	PROPN
fsr-3532	582	2	,	,	PUNCT
fsr-3532	582	3	y.	y.	PROPN
fsr-3532	582	4	,	,	PUNCT
fsr-3532	582	5	montalto	montalto	PROPN
fsr-3532	582	6	,	,	PUNCT
fsr-3532	582	7	c.	c.	PROPN
fsr-3532	582	8	p.	p.	PROPN
fsr-3532	582	9	,	,	PUNCT
fsr-3532	582	10	&	&	CCONJ
fsr-3532	582	11	hanna	hanna	PROPN
fsr-3532	582	12	,	,	PUNCT
fsr-3532	582	13	s.	s.	PROPN
fsr-3532	582	14	(	(	PUNCT
fsr-3532	582	15	1998	1998	NUM
fsr-3532	582	16	)	)	PUNCT
fsr-3532	582	17	.	.	PUNCT
fsr-3532	583	1	are	be	AUX
fsr-3532	583	2	americans	americans	PROPN
fsr-3532	583	3	prepared	prepare	VERB
fsr-3532	583	4	for	for	ADP
fsr-3532	583	5	retirement	retirement	NOUN
fsr-3532	583	6	?	?	PUNCT
fsr-3532	584	1	financial	financial	ADJ
fsr-3532	584	2	counseling	counseling	NOUN
fsr-3532	584	3	and	and	CCONJ
fsr-3532	584	4	planning	planning	NOUN
fsr-3532	584	5	,	,	PUNCT
fsr-3532	584	6	9	9	NUM
fsr-3532	584	7	,	,	PUNCT
fsr-3532	584	8	1–13	1–13	NOUN
fsr-3532	584	9	.	.	PUNCT
fsr-3532	585	1	l.	l.	PROPN
fsr-3532	585	2	a.	a.	PROPN
fsr-3532	585	3	v.	v.	PROPN
fsr-3532	585	4	augustin	augustin	PROPN
fsr-3532	585	5	and	and	CCONJ
fsr-3532	585	6	t.	t.	PROPN
fsr-3532	585	7	k.	k.	PROPN
fsr-3532	585	8	martin	martin	PROPN
fsr-3532	585	9	/	/	SYM
fsr-3532	585	10	financial	financial	ADJ
fsr-3532	585	11	services	service	NOUN
fsr-3532	585	12	review	review	VERB
fsr-3532	585	13	31	31	NUM
fsr-3532	585	14	(	(	PUNCT
fsr-3532	585	15	2023	2023	NUM
fsr-3532	585	16	)	)	PUNCT
fsr-3532	585	17	151–167	151–167	NUM
fsr-3532	585	18	167	167	NUM