id	sid	tid	token	lemma	pos
fsr-3538	1	1	finser_31	finser_31	PROPN
fsr-3538	1	2	-	-	PUNCT
fsr-3538	1	3	2_complete_issue	2_complete_issue	PROPN
fsr-3538	1	4	financial	financial	ADJ
fsr-3538	1	5	literacy	literacy	NOUN
fsr-3538	1	6	during	during	ADP
fsr-3538	1	7	a	a	DET
fsr-3538	1	8	pandemic	pandemic	NOUN
fsr-3538	1	9	:	:	PUNCT
fsr-3538	1	10	does	do	VERB
fsr-3538	1	11	modality	modality	NOUN
fsr-3538	1	12	matter	matter	NOUN
fsr-3538	1	13	?	?	PUNCT
fsr-3538	2	1	greg	greg	PROPN
fsr-3538	2	2	filbecka	filbecka	PROPN
fsr-3538	2	3	,	,	PUNCT
fsr-3538	2	4	*	*	PROPN
fsr-3538	2	5	,	,	PUNCT
fsr-3538	2	6	xin	xin	PROPN
fsr-3538	2	7	zhaob	zhaob	PROPN
fsr-3538	2	8	apenn	apenn	PROPN
fsr-3538	2	9	state	state	PROPN
fsr-3538	2	10	behrend	behrend	PROPN
fsr-3538	2	11	,	,	PUNCT
fsr-3538	2	12	black	black	ADJ
fsr-3538	2	13	school	school	NOUN
fsr-3538	2	14	of	of	ADP
fsr-3538	2	15	business	business	NOUN
fsr-3538	2	16	,	,	PUNCT
fsr-3538	2	17	281	281	NUM
fsr-3538	2	18	burke	burke	NOUN
fsr-3538	2	19	,	,	PUNCT
fsr-3538	2	20	erie	erie	PROPN
fsr-3538	2	21	,	,	PUNCT
fsr-3538	2	22	pa	pa	PROPN
fsr-3538	2	23	16563	16563	NUM
fsr-3538	2	24	,	,	PUNCT
fsr-3538	2	25	usa	usa	PROPN
fsr-3538	2	26	bpenn	bpenn	PROPN
fsr-3538	2	27	state	state	PROPN
fsr-3538	2	28	behrend	behrend	PROPN
fsr-3538	2	29	,	,	PUNCT
fsr-3538	2	30	black	black	ADJ
fsr-3538	2	31	school	school	NOUN
fsr-3538	2	32	of	of	ADP
fsr-3538	2	33	business	business	NOUN
fsr-3538	2	34	,	,	PUNCT
fsr-3538	2	35	256	256	NUM
fsr-3538	2	36	burke	burke	PROPN
fsr-3538	2	37	,	,	PUNCT
fsr-3538	2	38	erie	erie	PROPN
fsr-3538	2	39	,	,	PUNCT
fsr-3538	2	40	pa	pa	PROPN
fsr-3538	2	41	16563	16563	NUM
fsr-3538	2	42	,	,	PUNCT
fsr-3538	2	43	usa	usa	PROPN
fsr-3538	2	44	abstract	abstract	NOUN
fsr-3538	2	45	we	we	PRON
fsr-3538	2	46	compare	compare	VERB
fsr-3538	2	47	the	the	DET
fsr-3538	2	48	performance	performance	NOUN
fsr-3538	2	49	of	of	ADP
fsr-3538	2	50	financial	financial	ADJ
fsr-3538	2	51	literacy	literacy	NOUN
fsr-3538	2	52	programs	program	NOUN
fsr-3538	2	53	launched	launch	VERB
fsr-3538	2	54	by	by	ADP
fsr-3538	2	55	the	the	DET
fsr-3538	2	56	cfa	cfa	PROPN
fsr-3538	2	57	society	society	PROPN
fsr-3538	2	58	pittsburgh	pittsburgh	PROPN
fsr-3538	2	59	in	in	ADP
fsr-3538	2	60	residential	residential	ADJ
fsr-3538	2	61	settings	setting	NOUN
fsr-3538	2	62	(	(	PUNCT
fsr-3538	2	63	2017–2019	2017–2019	NUM
fsr-3538	2	64	)	)	PUNCT
fsr-3538	2	65	with	with	ADP
fsr-3538	2	66	virtual	virtual	ADJ
fsr-3538	2	67	/	/	SYM
fsr-3538	2	68	hybrid	hybrid	ADJ
fsr-3538	2	69	programs	program	NOUN
fsr-3538	2	70	during	during	ADP
fsr-3538	2	71	the	the	DET
fsr-3538	2	72	covid-19	covid-19	PROPN
fsr-3538	2	73	pandemic	pandemic	ADJ
fsr-3538	2	74	(	(	PUNCT
fsr-3538	2	75	2020	2020	NUM
fsr-3538	2	76	-	-	SYM
fsr-3538	2	77	2021	2021	NUM
fsr-3538	2	78	)	)	PUNCT
fsr-3538	2	79	.	.	PUNCT
fsr-3538	3	1	pretest	pretest	ADJ
fsr-3538	3	2	baseline	baseline	ADJ
fsr-3538	3	3	knowledge	knowledge	NOUN
fsr-3538	3	4	assessment	assessment	NOUN
fsr-3538	3	5	shows	show	VERB
fsr-3538	3	6	that	that	SCONJ
fsr-3538	3	7	female	female	ADJ
fsr-3538	3	8	students	student	NOUN
fsr-3538	3	9	scored	score	VERB
fsr-3538	3	10	lower	lower	ADV
fsr-3538	3	11	on	on	ADP
fsr-3538	3	12	subjective	subjective	ADJ
fsr-3538	3	13	and	and	CCONJ
fsr-3538	3	14	objective	objective	ADJ
fsr-3538	3	15	financial	financial	ADJ
fsr-3538	3	16	knowledge	knowledge	NOUN
fsr-3538	3	17	questions	question	NOUN
fsr-3538	3	18	and	and	CCONJ
fsr-3538	3	19	self	self	NOUN
fsr-3538	3	20	-	-	PUNCT
fsr-3538	3	21	esteem	esteem	NOUN
fsr-3538	3	22	.	.	PUNCT
fsr-3538	4	1	however	however	ADV
fsr-3538	4	2	,	,	PUNCT
fsr-3538	4	3	the	the	DET
fsr-3538	4	4	global	global	ADJ
fsr-3538	4	5	pandemic	pandemic	NOUN
fsr-3538	4	6	did	do	AUX
fsr-3538	4	7	not	not	PART
fsr-3538	4	8	impact	impact	VERB
fsr-3538	4	9	the	the	DET
fsr-3538	4	10	effectiveness	effectiveness	NOUN
fsr-3538	4	11	of	of	ADP
fsr-3538	4	12	programs	program	NOUN
fsr-3538	4	13	based	base	VERB
fsr-3538	4	14	on	on	ADP
fsr-3538	4	15	modality	modality	NOUN
fsr-3538	4	16	.	.	PUNCT
fsr-3538	5	1	students	student	NOUN
fsr-3538	5	2	experienced	experience	VERB
fsr-3538	5	3	a	a	DET
fsr-3538	5	4	statistically	statistically	ADV
fsr-3538	5	5	significant	significant	ADJ
fsr-3538	5	6	improvement	improvement	NOUN
fsr-3538	5	7	in	in	ADP
fsr-3538	5	8	all	all	DET
fsr-3538	5	9	four	four	NUM
fsr-3538	5	10	assessment	assessment	NOUN
fsr-3538	5	11	areas	area	NOUN
fsr-3538	5	12	of	of	ADP
fsr-3538	5	13	financial	financial	ADJ
fsr-3538	5	14	literacy	literacy	NOUN
fsr-3538	5	15	.	.	PUNCT
fsr-3538	6	1	the	the	DET
fsr-3538	6	2	largest	large	ADJ
fsr-3538	6	3	gains	gain	NOUN
fsr-3538	6	4	in	in	ADP
fsr-3538	6	5	subjective	subjective	ADJ
fsr-3538	6	6	and	and	CCONJ
fsr-3538	6	7	financial	financial	ADJ
fsr-3538	6	8	knowledge	knowledge	NOUN
fsr-3538	6	9	center	center	NOUN
fsr-3538	6	10	on	on	ADP
fsr-3538	6	11	retirement	retirement	NOUN
fsr-3538	6	12	planning	planning	NOUN
fsr-3538	6	13	.	.	PUNCT
fsr-3538	7	1	objective	objective	ADJ
fsr-3538	7	2	knowledge	knowledge	NOUN
fsr-3538	7	3	and	and	CCONJ
fsr-3538	7	4	self	self	NOUN
fsr-3538	7	5	-	-	PUNCT
fsr-3538	7	6	esteem	esteem	NOUN
fsr-3538	7	7	improvements	improvement	NOUN
fsr-3538	7	8	occur	occur	VERB
fsr-3538	7	9	most	most	ADV
fsr-3538	7	10	in	in	ADP
fsr-3538	7	11	credit	credit	NOUN
fsr-3538	7	12	and	and	CCONJ
fsr-3538	7	13	inflation	inflation	NOUN
fsr-3538	7	14	.	.	PUNCT
fsr-3538	8	1	female	female	ADJ
fsr-3538	8	2	students	student	NOUN
fsr-3538	8	3	experience	experience	VERB
fsr-3538	8	4	more	more	ADJ
fsr-3538	8	5	significant	significant	ADJ
fsr-3538	8	6	gains	gain	NOUN
fsr-3538	8	7	in	in	ADP
fsr-3538	8	8	subjective	subjective	ADJ
fsr-3538	8	9	knowledge	knowledge	NOUN
fsr-3538	8	10	,	,	PUNCT
fsr-3538	8	11	objective	objective	ADJ
fsr-3538	8	12	knowledge	knowledge	NOUN
fsr-3538	8	13	,	,	PUNCT
fsr-3538	8	14	and	and	CCONJ
fsr-3538	8	15	self	self	NOUN
fsr-3538	8	16	-	-	PUNCT
fsr-3538	8	17	esteem	esteem	NOUN
fsr-3538	8	18	.	.	PUNCT
fsr-3538	9	1	©	©	PROPN
fsr-3538	9	2	2023	2023	NUM
fsr-3538	9	3	academy	academy	NOUN
fsr-3538	9	4	of	of	ADP
fsr-3538	9	5	financial	financial	ADJ
fsr-3538	9	6	services	service	NOUN
fsr-3538	9	7	.	.	PUNCT
fsr-3538	10	1	all	all	DET
fsr-3538	10	2	rights	right	NOUN
fsr-3538	10	3	reserved	reserve	VERB
fsr-3538	10	4	.	.	PUNCT
fsr-3538	11	1	jel	jel	PROPN
fsr-3538	11	2	classifications	classification	NOUN
fsr-3538	11	3	:	:	PUNCT
fsr-3538	11	4	g53	g53	PROPN
fsr-3538	11	5	keywords	keyword	NOUN
fsr-3538	11	6	:	:	PUNCT
fsr-3538	11	7	financial	financial	ADJ
fsr-3538	11	8	literacy	literacy	NOUN
fsr-3538	11	9	;	;	PUNCT
fsr-3538	11	10	survey	survey	NOUN
fsr-3538	11	11	;	;	PUNCT
fsr-3538	11	12	outreach	outreach	NOUN
fsr-3538	11	13	;	;	PUNCT
fsr-3538	11	14	education	education	NOUN
fsr-3538	11	15	;	;	PUNCT
fsr-3538	11	16	teaching	teach	VERB
fsr-3538	11	17	modality	modality	NOUN
fsr-3538	11	18	1	1	NUM
fsr-3538	11	19	.	.	PUNCT
fsr-3538	11	20	introduction	introduction	NOUN
fsr-3538	11	21	the	the	DET
fsr-3538	11	22	state	state	NOUN
fsr-3538	11	23	of	of	ADP
fsr-3538	11	24	financial	financial	ADJ
fsr-3538	11	25	literacy	literacy	NOUN
fsr-3538	11	26	and	and	CCONJ
fsr-3538	11	27	numeracy	numeracy	NOUN
fsr-3538	11	28	worldwide	worldwide	ADV
fsr-3538	11	29	is	be	AUX
fsr-3538	11	30	in	in	ADP
fsr-3538	11	31	distress	distress	NOUN
fsr-3538	11	32	.	.	PUNCT
fsr-3538	12	1	academic	academic	ADJ
fsr-3538	12	2	studies	study	NOUN
fsr-3538	12	3	affirm	affirm	VERB
fsr-3538	12	4	a	a	DET
fsr-3538	12	5	significant	significant	ADJ
fsr-3538	12	6	lack	lack	NOUN
fsr-3538	12	7	of	of	ADP
fsr-3538	12	8	financial	financial	ADJ
fsr-3538	12	9	literacy	literacy	NOUN
fsr-3538	12	10	exists	exist	VERB
fsr-3538	12	11	across	across	ADP
fsr-3538	12	12	nearly	nearly	ADV
fsr-3538	12	13	all	all	DET
fsr-3538	12	14	demographics	demographic	NOUN
fsr-3538	12	15	.	.	PUNCT
fsr-3538	13	1	while	while	SCONJ
fsr-3538	13	2	financial	financial	ADJ
fsr-3538	13	3	literacy	literacy	NOUN
fsr-3538	13	4	statistics	statistic	NOUN
fsr-3538	13	5	are	be	AUX
fsr-3538	13	6	important	important	ADJ
fsr-3538	13	7	,	,	PUNCT
fsr-3538	13	8	the	the	DET
fsr-3538	13	9	implications	implication	NOUN
fsr-3538	13	10	of	of	ADP
fsr-3538	13	11	financial	financial	ADJ
fsr-3538	13	12	literacy	literacy	NOUN
fsr-3538	13	13	and	and	CCONJ
fsr-3538	13	14	numeracy	numeracy	NOUN
fsr-3538	13	15	are	be	AUX
fsr-3538	13	16	far	far	ADV
fsr-3538	13	17	-	-	PUNCT
fsr-3538	13	18	reaching	reach	VERB
fsr-3538	13	19	due	due	ADP
fsr-3538	13	20	to	to	ADP
fsr-3538	13	21	their	their	PRON
fsr-3538	13	22	impact	impact	NOUN
fsr-3538	13	23	on	on	ADP
fsr-3538	13	24	financial	financial	ADJ
fsr-3538	13	25	decisions	decision	NOUN
fsr-3538	13	26	.	.	PUNCT
fsr-3538	14	1	financial	financial	ADJ
fsr-3538	14	2	literacy	literacy	NOUN
fsr-3538	14	3	measures	measure	VERB
fsr-3538	14	4	the	the	DET
fsr-3538	14	5	degree	degree	NOUN
fsr-3538	14	6	to	to	PART
fsr-3538	14	7	which	which	PRON
fsr-3538	14	8	one	one	PRON
fsr-3538	14	9	understands	understand	VERB
fsr-3538	14	10	critical	critical	ADJ
fsr-3538	14	11	financial	financial	ADJ
fsr-3538	14	12	concepts	concept	NOUN
fsr-3538	14	13	and	and	CCONJ
fsr-3538	14	14	possesses	possess	VERB
fsr-3538	14	15	the	the	DET
fsr-3538	14	16	ability	ability	NOUN
fsr-3538	14	17	and	and	CCONJ
fsr-3538	14	18	*	*	VERB
fsr-3538	14	19	corresponding	correspond	VERB
fsr-3538	14	20	author	author	NOUN
fsr-3538	14	21	.	.	PUNCT
fsr-3538	15	1	tel	tel	PROPN
fsr-3538	15	2	.	.	PUNCT
fsr-3538	15	3	:	:	PUNCT
fsr-3538	16	1	+1	+1	ADJ
fsr-3538	16	2	-	-	PUNCT
fsr-3538	16	3	814	814	NUM
fsr-3538	16	4	-	-	PUNCT
fsr-3538	16	5	898	898	NUM
fsr-3538	16	6	-	-	PUNCT
fsr-3538	16	7	6549	6549	NUM
fsr-3538	16	8	.	.	PUNCT
fsr-3538	17	1	e	e	X
fsr-3538	17	2	-	-	NOUN
fsr-3538	17	3	mail	mail	NOUN
fsr-3538	17	4	address	address	NOUN
fsr-3538	17	5	:	:	PUNCT
fsr-3538	17	6	mgf11@psu.edu	mgf11@psu.edu	PROPN
fsr-3538	17	7	(	(	PUNCT
fsr-3538	17	8	g.	g.	PROPN
fsr-3538	17	9	filbeck	filbeck	NOUN
fsr-3538	17	10	)	)	PUNCT
fsr-3538	17	11	1057	1057	NUM
fsr-3538	17	12	-	-	SYM
fsr-3538	17	13	0810/23/$	0810/23/$	NUM
fsr-3538	17	14	–	–	PUNCT
fsr-3538	17	15	see	see	VERB
fsr-3538	17	16	front	front	ADJ
fsr-3538	17	17	matter	matter	NOUN
fsr-3538	17	18	©	©	PROPN
fsr-3538	17	19	2023	2023	NUM
fsr-3538	17	20	academy	academy	NOUN
fsr-3538	17	21	of	of	ADP
fsr-3538	17	22	financial	financial	ADJ
fsr-3538	17	23	services	service	NOUN
fsr-3538	17	24	.	.	PUNCT
fsr-3538	18	1	all	all	DET
fsr-3538	18	2	rights	right	NOUN
fsr-3538	18	3	reserved	reserve	VERB
fsr-3538	18	4	.	.	PUNCT
fsr-3538	19	1	financial	financial	ADJ
fsr-3538	19	2	services	service	NOUN
fsr-3538	19	3	review	review	VERB
fsr-3538	19	4	31	31	NUM
fsr-3538	19	5	(	(	PUNCT
fsr-3538	19	6	2023	2023	NUM
fsr-3538	19	7	)	)	PUNCT
fsr-3538	19	8	169–196	169–196	NUM
fsr-3538	19	9	confidence	confidence	NOUN
fsr-3538	19	10	to	to	PART
fsr-3538	19	11	manage	manage	VERB
fsr-3538	19	12	personal	personal	ADJ
fsr-3538	19	13	finances	finance	NOUN
fsr-3538	19	14	through	through	ADP
fsr-3538	19	15	appropriate	appropriate	ADJ
fsr-3538	19	16	,	,	PUNCT
fsr-3538	19	17	short	short	ADJ
fsr-3538	19	18	-	-	PUNCT
fsr-3538	19	19	term	term	NOUN
fsr-3538	19	20	decision	decision	NOUN
fsr-3538	19	21	-	-	PUNCT
fsr-3538	19	22	making	making	NOUN
fsr-3538	19	23	and	and	CCONJ
fsr-3538	19	24	sound	sound	ADJ
fsr-3538	19	25	,	,	PUNCT
fsr-3538	19	26	long	long	ADJ
fsr-3538	19	27	-	-	PUNCT
fsr-3538	19	28	range	range	NOUN
fsr-3538	19	29	financial	financial	ADJ
fsr-3538	19	30	planning	planning	NOUN
fsr-3538	19	31	,	,	PUNCT
fsr-3538	19	32	while	while	SCONJ
fsr-3538	19	33	mindful	mindful	ADJ
fsr-3538	19	34	of	of	ADP
fsr-3538	19	35	life	life	NOUN
fsr-3538	19	36	events	event	NOUN
fsr-3538	19	37	,	,	PUNCT
fsr-3538	19	38	and	and	CCONJ
fsr-3538	19	39	changing	change	VERB
fsr-3538	19	40	economic	economic	ADJ
fsr-3538	19	41	conditions	condition	NOUN
fsr-3538	19	42	.	.	PUNCT
fsr-3538	20	1	the	the	DET
fsr-3538	20	2	covid-19	covid-19	PROPN
fsr-3538	20	3	pandemic	pandemic	ADJ
fsr-3538	20	4	dominated	dominate	VERB
fsr-3538	20	5	headlines	headline	NOUN
fsr-3538	20	6	throughout	throughout	ADP
fsr-3538	20	7	2020	2020	NUM
fsr-3538	20	8	and	and	CCONJ
fsr-3538	20	9	into	into	ADP
fsr-3538	20	10	2021	2021	NUM
fsr-3538	20	11	.	.	PUNCT
fsr-3538	21	1	high	high	ADJ
fsr-3538	21	2	school	school	NOUN
fsr-3538	21	3	teachers	teacher	NOUN
fsr-3538	21	4	had	have	VERB
fsr-3538	21	5	to	to	PART
fsr-3538	21	6	rapidly	rapidly	ADV
fsr-3538	21	7	transform	transform	VERB
fsr-3538	21	8	in	in	ADP
fsr-3538	21	9	-	-	PUNCT
fsr-3538	21	10	class	class	NOUN
fsr-3538	21	11	content	content	NOUN
fsr-3538	21	12	delivery	delivery	NOUN
fsr-3538	21	13	into	into	ADP
fsr-3538	21	14	modalities	modality	NOUN
fsr-3538	21	15	that	that	PRON
fsr-3538	21	16	included	include	VERB
fsr-3538	21	17	synchronous	synchronous	ADJ
fsr-3538	21	18	and	and	CCONJ
fsr-3538	21	19	asynchronous	asynchronous	ADJ
fsr-3538	21	20	online	online	ADJ
fsr-3538	21	21	instruction	instruction	NOUN
fsr-3538	21	22	.	.	PUNCT
fsr-3538	22	1	at	at	ADP
fsr-3538	22	2	-	-	PUNCT
fsr-3538	22	3	risk	risk	NOUN
fsr-3538	22	4	students	student	NOUN
fsr-3538	22	5	were	be	AUX
fsr-3538	22	6	most	most	ADV
fsr-3538	22	7	likely	likely	ADJ
fsr-3538	22	8	to	to	PART
fsr-3538	22	9	have	have	VERB
fsr-3538	22	10	limited	limit	VERB
fsr-3538	22	11	access	access	NOUN
fsr-3538	22	12	to	to	ADP
fsr-3538	22	13	the	the	DET
fsr-3538	22	14	internet	internet	NOUN
fsr-3538	22	15	and	and	CCONJ
fsr-3538	22	16	technology	technology	NOUN
fsr-3538	22	17	to	to	PART
fsr-3538	22	18	participate	participate	VERB
fsr-3538	22	19	fully	fully	ADV
fsr-3538	22	20	.	.	PUNCT
fsr-3538	23	1	many	many	ADJ
fsr-3538	23	2	high	high	ADJ
fsr-3538	23	3	schools	school	NOUN
fsr-3538	23	4	with	with	ADP
fsr-3538	23	5	financial	financial	ADJ
fsr-3538	23	6	literacy	literacy	NOUN
fsr-3538	23	7	components	component	NOUN
fsr-3538	23	8	in	in	ADP
fsr-3538	23	9	their	their	PRON
fsr-3538	23	10	curriculum	curriculum	NOUN
fsr-3538	23	11	had	have	VERB
fsr-3538	23	12	to	to	PART
fsr-3538	23	13	postpone	postpone	VERB
fsr-3538	23	14	such	such	ADJ
fsr-3538	23	15	instruction	instruction	NOUN
fsr-3538	23	16	to	to	PART
fsr-3538	23	17	ensure	ensure	VERB
fsr-3538	23	18	coverage	coverage	NOUN
fsr-3538	23	19	of	of	ADP
fsr-3538	23	20	the	the	DET
fsr-3538	23	21	core	core	NOUN
fsr-3538	23	22	subject	subject	NOUN
fsr-3538	23	23	matter	matter	NOUN
fsr-3538	23	24	.	.	PUNCT
fsr-3538	24	1	this	this	DET
fsr-3538	24	2	study	study	NOUN
fsr-3538	24	3	extends	extend	VERB
fsr-3538	24	4	prior	prior	ADJ
fsr-3538	24	5	research	research	NOUN
fsr-3538	24	6	on	on	ADP
fsr-3538	24	7	the	the	DET
fsr-3538	24	8	effectiveness	effectiveness	NOUN
fsr-3538	24	9	of	of	ADP
fsr-3538	24	10	financial	financial	ADJ
fsr-3538	24	11	literacy	literacy	NOUN
fsr-3538	24	12	education	education	NOUN
fsr-3538	24	13	by	by	ADP
fsr-3538	24	14	comparing	compare	VERB
fsr-3538	24	15	the	the	DET
fsr-3538	24	16	in	in	ADP
fsr-3538	24	17	-	-	PUNCT
fsr-3538	24	18	person	person	NOUN
fsr-3538	24	19	effectiveness	effectiveness	NOUN
fsr-3538	24	20	of	of	ADP
fsr-3538	24	21	a	a	DET
fsr-3538	24	22	financial	financial	ADJ
fsr-3538	24	23	literacy	literacy	NOUN
fsr-3538	24	24	campaign	campaign	NOUN
fsr-3538	24	25	launched	launch	VERB
fsr-3538	24	26	by	by	ADP
fsr-3538	24	27	the	the	DET
fsr-3538	24	28	cfa	cfa	PROPN
fsr-3538	24	29	society	society	PROPN
fsr-3538	24	30	pittsburgh	pittsburgh	PROPN
fsr-3538	24	31	during	during	ADP
fsr-3538	24	32	2017–2019	2017–2019	NUM
fsr-3538	24	33	with	with	ADP
fsr-3538	24	34	online	online	ADJ
fsr-3538	24	35	/	/	SYM
fsr-3538	24	36	hybrid	hybrid	NOUN
fsr-3538	24	37	instruction	instruction	NOUN
fsr-3538	24	38	during	during	ADP
fsr-3538	24	39	2020	2020	NUM
fsr-3538	24	40	-	-	SYM
fsr-3538	24	41	2021	2021	NUM
fsr-3538	24	42	.	.	PUNCT
fsr-3538	25	1	online	online	ADJ
fsr-3538	25	2	/	/	SYM
fsr-3538	25	3	hybrid	hybrid	ADJ
fsr-3538	25	4	programs	program	NOUN
fsr-3538	25	5	are	be	AUX
fsr-3538	25	6	defined	define	VERB
fsr-3538	25	7	as	as	ADP
fsr-3538	25	8	those	those	PRON
fsr-3538	25	9	that	that	PRON
fsr-3538	25	10	contain	contain	VERB
fsr-3538	25	11	at	at	ADP
fsr-3538	25	12	least	least	ADJ
fsr-3538	25	13	some	some	PRON
fsr-3538	25	14	virtual	virtual	ADJ
fsr-3538	25	15	learning	learning	NOUN
fsr-3538	25	16	component	component	NOUN
fsr-3538	25	17	to	to	ADP
fsr-3538	25	18	those	those	DET
fsr-3538	25	19	programs	program	NOUN
fsr-3538	25	20	that	that	PRON
fsr-3538	25	21	are	be	AUX
fsr-3538	25	22	delivered	deliver	VERB
fsr-3538	25	23	completely	completely	ADV
fsr-3538	25	24	in	in	ADP
fsr-3538	25	25	an	an	DET
fsr-3538	25	26	in	in	ADP
fsr-3538	25	27	-	-	PUNCT
fsr-3538	25	28	person	person	NOUN
fsr-3538	25	29	environment	environment	NOUN
fsr-3538	25	30	.	.	PUNCT
fsr-3538	26	1	we	we	PRON
fsr-3538	26	2	conduct	conduct	VERB
fsr-3538	26	3	pretests	pretest	NOUN
fsr-3538	26	4	to	to	PART
fsr-3538	26	5	assess	assess	VERB
fsr-3538	26	6	baseline	baseline	ADJ
fsr-3538	26	7	knowledge	knowledge	NOUN
fsr-3538	26	8	for	for	ADP
fsr-3538	26	9	program	program	NOUN
fsr-3538	26	10	participants	participant	NOUN
fsr-3538	26	11	before	before	ADP
fsr-3538	26	12	the	the	DET
fsr-3538	26	13	program	program	NOUN
fsr-3538	26	14	administration	administration	NOUN
fsr-3538	26	15	.	.	PUNCT
fsr-3538	27	1	overall	overall	ADJ
fsr-3538	27	2	,	,	PUNCT
fsr-3538	27	3	pretest	pretest	ADJ
fsr-3538	27	4	results	result	NOUN
fsr-3538	27	5	from	from	ADP
fsr-3538	27	6	financial	financial	ADJ
fsr-3538	27	7	literacy	literacy	NOUN
fsr-3538	27	8	programs	program	NOUN
fsr-3538	27	9	before	before	ADP
fsr-3538	27	10	and	and	CCONJ
fsr-3538	27	11	during	during	ADP
fsr-3538	27	12	the	the	DET
fsr-3538	27	13	pandemic	pandemic	ADJ
fsr-3538	27	14	show	show	NOUN
fsr-3538	27	15	no	no	DET
fsr-3538	27	16	overall	overall	ADJ
fsr-3538	27	17	differences	difference	NOUN
fsr-3538	27	18	regarding	regard	VERB
fsr-3538	27	19	baseline	baseline	ADJ
fsr-3538	27	20	financial	financial	ADJ
fsr-3538	27	21	literacy	literacy	NOUN
fsr-3538	27	22	subjective	subjective	ADJ
fsr-3538	27	23	knowledge	knowledge	NOUN
fsr-3538	27	24	.	.	PUNCT
fsr-3538	28	1	however	however	ADV
fsr-3538	28	2	,	,	PUNCT
fsr-3538	28	3	we	we	PRON
fsr-3538	28	4	observe	observe	VERB
fsr-3538	28	5	gender	gender	NOUN
fsr-3538	28	6	differences	difference	NOUN
fsr-3538	28	7	across	across	ADP
fsr-3538	28	8	pre	pre	NOUN
fsr-3538	28	9	-	-	NOUN
fsr-3538	28	10	surveys	survey	NOUN
fsr-3538	28	11	as	as	ADP
fsr-3538	28	12	female	female	ADJ
fsr-3538	28	13	students	student	NOUN
fsr-3538	28	14	scored	score	VERB
fsr-3538	28	15	lower	low	ADJ
fsr-3538	28	16	than	than	ADP
fsr-3538	28	17	male	male	ADJ
fsr-3538	28	18	students	student	NOUN
fsr-3538	28	19	on	on	ADP
fsr-3538	28	20	subjective	subjective	ADJ
fsr-3538	28	21	and	and	CCONJ
fsr-3538	28	22	objective	objective	ADJ
fsr-3538	28	23	financial	financial	ADJ
fsr-3538	28	24	knowledge	knowledge	NOUN
fsr-3538	28	25	.	.	PUNCT
fsr-3538	29	1	females	female	NOUN
fsr-3538	29	2	also	also	ADV
fsr-3538	29	3	exhibited	exhibit	VERB
fsr-3538	29	4	lower	low	ADJ
fsr-3538	29	5	self	self	NOUN
fsr-3538	29	6	-	-	PUNCT
fsr-3538	29	7	esteem	esteem	NOUN
fsr-3538	29	8	.	.	PUNCT
fsr-3538	30	1	following	follow	VERB
fsr-3538	30	2	the	the	DET
fsr-3538	30	3	program	program	NOUN
fsr-3538	30	4	administration	administration	NOUN
fsr-3538	30	5	,	,	PUNCT
fsr-3538	30	6	we	we	PRON
fsr-3538	30	7	conduct	conduct	VERB
fsr-3538	30	8	posttests	posttest	NOUN
fsr-3538	30	9	to	to	PART
fsr-3538	30	10	assess	assess	VERB
fsr-3538	30	11	gains	gain	NOUN
fsr-3538	30	12	in	in	ADP
fsr-3538	30	13	financial	financial	ADJ
fsr-3538	30	14	literacy	literacy	NOUN
fsr-3538	30	15	due	due	ADP
fsr-3538	30	16	to	to	ADP
fsr-3538	30	17	the	the	DET
fsr-3538	30	18	program	program	NOUN
fsr-3538	30	19	.	.	PUNCT
fsr-3538	31	1	both	both	DET
fsr-3538	31	2	male	male	ADJ
fsr-3538	31	3	and	and	CCONJ
fsr-3538	31	4	female	female	ADJ
fsr-3538	31	5	students	student	NOUN
fsr-3538	31	6	experienced	experience	VERB
fsr-3538	31	7	a	a	DET
fsr-3538	31	8	statistically	statistically	ADV
fsr-3538	31	9	significant	significant	ADJ
fsr-3538	31	10	improvement	improvement	NOUN
fsr-3538	31	11	in	in	ADP
fsr-3538	31	12	subjective	subjective	ADJ
fsr-3538	31	13	and	and	CCONJ
fsr-3538	31	14	objective	objective	ADJ
fsr-3538	31	15	knowledge	knowledge	NOUN
fsr-3538	31	16	,	,	PUNCT
fsr-3538	31	17	behavior	behavior	NOUN
fsr-3538	31	18	,	,	PUNCT
fsr-3538	31	19	and	and	CCONJ
fsr-3538	31	20	self	self	NOUN
fsr-3538	31	21	-	-	PUNCT
fsr-3538	31	22	esteem	esteem	NOUN
fsr-3538	31	23	.	.	PUNCT
fsr-3538	32	1	the	the	DET
fsr-3538	32	2	most	most	ADV
fsr-3538	32	3	significant	significant	ADJ
fsr-3538	32	4	gains	gain	NOUN
fsr-3538	32	5	in	in	ADP
fsr-3538	32	6	subjective	subjective	ADJ
fsr-3538	32	7	and	and	CCONJ
fsr-3538	32	8	financial	financial	ADJ
fsr-3538	32	9	knowledge	knowledge	NOUN
fsr-3538	32	10	center	center	NOUN
fsr-3538	32	11	on	on	ADP
fsr-3538	32	12	retirement	retirement	NOUN
fsr-3538	32	13	planning	planning	NOUN
fsr-3538	32	14	.	.	PUNCT
fsr-3538	33	1	objective	objective	ADJ
fsr-3538	33	2	knowledge	knowledge	NOUN
fsr-3538	33	3	and	and	CCONJ
fsr-3538	33	4	self	self	NOUN
fsr-3538	33	5	-	-	PUNCT
fsr-3538	33	6	esteem	esteem	NOUN
fsr-3538	33	7	improvements	improvement	NOUN
fsr-3538	33	8	occur	occur	VERB
fsr-3538	33	9	most	most	ADV
fsr-3538	33	10	in	in	ADP
fsr-3538	33	11	credit	credit	NOUN
fsr-3538	33	12	and	and	CCONJ
fsr-3538	33	13	inflation	inflation	NOUN
fsr-3538	33	14	.	.	PUNCT
fsr-3538	34	1	female	female	ADJ
fsr-3538	34	2	students	student	NOUN
fsr-3538	34	3	experience	experience	VERB
fsr-3538	34	4	greater	great	ADJ
fsr-3538	34	5	gains	gain	NOUN
fsr-3538	34	6	in	in	ADP
fsr-3538	34	7	subjective	subjective	ADJ
fsr-3538	34	8	and	and	CCONJ
fsr-3538	34	9	objective	objective	ADJ
fsr-3538	34	10	knowledge	knowledge	NOUN
fsr-3538	34	11	,	,	PUNCT
fsr-3538	34	12	and	and	CCONJ
fsr-3538	34	13	self	self	NOUN
fsr-3538	34	14	-	-	PUNCT
fsr-3538	34	15	esteem	esteem	NOUN
fsr-3538	34	16	than	than	ADP
fsr-3538	34	17	their	their	PRON
fsr-3538	34	18	male	male	ADJ
fsr-3538	34	19	peers	peer	NOUN
fsr-3538	34	20	.	.	PUNCT
fsr-3538	35	1	students	student	NOUN
fsr-3538	35	2	in	in	ADP
fsr-3538	35	3	both	both	DET
fsr-3538	35	4	modalities	modality	NOUN
fsr-3538	35	5	experienced	experience	VERB
fsr-3538	35	6	a	a	DET
fsr-3538	35	7	statistically	statistically	ADV
fsr-3538	35	8	significant	significant	ADJ
fsr-3538	35	9	improvement	improvement	NOUN
fsr-3538	35	10	in	in	ADP
fsr-3538	35	11	subjective	subjective	ADJ
fsr-3538	35	12	and	and	CCONJ
fsr-3538	35	13	objective	objective	ADJ
fsr-3538	35	14	knowledge	knowledge	NOUN
fsr-3538	35	15	,	,	PUNCT
fsr-3538	35	16	behavior	behavior	NOUN
fsr-3538	35	17	,	,	PUNCT
fsr-3538	35	18	and	and	CCONJ
fsr-3538	35	19	self	self	NOUN
fsr-3538	35	20	-	-	PUNCT
fsr-3538	35	21	esteem	esteem	NOUN
fsr-3538	35	22	.	.	PUNCT
fsr-3538	36	1	there	there	PRON
fsr-3538	36	2	is	be	VERB
fsr-3538	36	3	no	no	DET
fsr-3538	36	4	statistical	statistical	ADJ
fsr-3538	36	5	difference	difference	NOUN
fsr-3538	36	6	in	in	ADP
fsr-3538	36	7	improvements	improvement	NOUN
fsr-3538	36	8	between	between	ADP
fsr-3538	36	9	modalities	modality	NOUN
fsr-3538	36	10	except	except	SCONJ
fsr-3538	36	11	in	in	ADP
fsr-3538	36	12	financial	financial	ADJ
fsr-3538	36	13	behavior	behavior	NOUN
fsr-3538	36	14	.	.	PUNCT
fsr-3538	37	1	the	the	DET
fsr-3538	37	2	following	follow	VERB
fsr-3538	37	3	section	section	NOUN
fsr-3538	37	4	outlines	outline	VERB
fsr-3538	37	5	existing	exist	VERB
fsr-3538	37	6	literature	literature	NOUN
fsr-3538	37	7	and	and	CCONJ
fsr-3538	37	8	our	our	PRON
fsr-3538	37	9	hypotheses	hypothesis	NOUN
fsr-3538	37	10	,	,	PUNCT
fsr-3538	37	11	followed	follow	VERB
fsr-3538	37	12	by	by	ADP
fsr-3538	37	13	sample	sample	NOUN
fsr-3538	37	14	and	and	CCONJ
fsr-3538	37	15	methodology	methodology	NOUN
fsr-3538	37	16	,	,	PUNCT
fsr-3538	37	17	results	result	NOUN
fsr-3538	37	18	,	,	PUNCT
fsr-3538	37	19	and	and	CCONJ
fsr-3538	37	20	conclusions	conclusion	NOUN
fsr-3538	37	21	.	.	PUNCT
fsr-3538	38	1	2	2	X
fsr-3538	38	2	.	.	X
fsr-3538	38	3	literature	literature	NOUN
fsr-3538	38	4	review	review	VERB
fsr-3538	38	5	2.1	2.1	NUM
fsr-3538	38	6	.	.	PUNCT
fsr-3538	39	1	financial	financial	ADJ
fsr-3538	39	2	literacy	literacy	NOUN
fsr-3538	39	3	financial	financial	ADJ
fsr-3538	39	4	literacy	literacy	NOUN
fsr-3538	39	5	is	be	AUX
fsr-3538	39	6	critical	critical	ADJ
fsr-3538	39	7	because	because	SCONJ
fsr-3538	39	8	the	the	DET
fsr-3538	39	9	knowledge	knowledge	NOUN
fsr-3538	39	10	and	and	CCONJ
fsr-3538	39	11	skills	skill	NOUN
fsr-3538	39	12	enable	enable	VERB
fsr-3538	39	13	the	the	DET
fsr-3538	39	14	proper	proper	ADJ
fsr-3538	39	15	use	use	NOUN
fsr-3538	39	16	,	,	PUNCT
fsr-3538	39	17	accumulation	accumulation	NOUN
fsr-3538	39	18	,	,	PUNCT
fsr-3538	39	19	increase	increase	NOUN
fsr-3538	39	20	,	,	PUNCT
fsr-3538	39	21	and	and	CCONJ
fsr-3538	39	22	management	management	NOUN
fsr-3538	39	23	of	of	ADP
fsr-3538	39	24	incomes	income	NOUN
fsr-3538	39	25	while	while	SCONJ
fsr-3538	39	26	directly	directly	ADV
fsr-3538	39	27	affecting	affect	VERB
fsr-3538	39	28	countries	country	NOUN
fsr-3538	39	29	’	'	PUNCT
fsr-3538	39	30	economies	economy	NOUN
fsr-3538	39	31	.	.	PUNCT
fsr-3538	40	1	in	in	ADP
fsr-3538	40	2	context	context	NOUN
fsr-3538	40	3	,	,	PUNCT
fsr-3538	40	4	financial	financial	ADJ
fsr-3538	40	5	literacy	literacy	NOUN
fsr-3538	40	6	refers	refer	VERB
fsr-3538	40	7	to	to	ADP
fsr-3538	40	8	the	the	DET
fsr-3538	40	9	knowledge	knowledge	NOUN
fsr-3538	40	10	of	of	ADP
fsr-3538	40	11	financial	financial	ADJ
fsr-3538	40	12	concepts	concept	NOUN
fsr-3538	40	13	and	and	CCONJ
fsr-3538	40	14	applications	application	NOUN
fsr-3538	40	15	that	that	PRON
fsr-3538	40	16	are	be	AUX
fsr-3538	40	17	vitally	vitally	ADV
fsr-3538	40	18	important	important	ADJ
fsr-3538	40	19	in	in	ADP
fsr-3538	40	20	everyday	everyday	ADJ
fsr-3538	40	21	life	life	NOUN
fsr-3538	40	22	(	(	PUNCT
fsr-3538	40	23	semercioglu	semercioglu	NOUN
fsr-3538	40	24	&	&	CCONJ
fsr-3538	40	25	akcay	akcay	NOUN
fsr-3538	40	26	,	,	PUNCT
fsr-3538	40	27	2016	2016	NUM
fsr-3538	40	28	)	)	PUNCT
fsr-3538	40	29	.	.	PUNCT
fsr-3538	41	1	financial	financial	ADJ
fsr-3538	41	2	literacy	literacy	NOUN
fsr-3538	41	3	programs	program	NOUN
fsr-3538	41	4	primarily	primarily	ADV
fsr-3538	41	5	aim	aim	VERB
fsr-3538	41	6	to	to	PART
fsr-3538	41	7	understand	understand	VERB
fsr-3538	41	8	individuals	individual	NOUN
fsr-3538	41	9	’	'	PUNCT
fsr-3538	41	10	financial	financial	ADJ
fsr-3538	41	11	knowledge	knowledge	NOUN
fsr-3538	41	12	170	170	NUM
fsr-3538	41	13	g.	g.	NOUN
fsr-3538	41	14	filbeck	filbeck	NOUN
fsr-3538	41	15	and	and	CCONJ
fsr-3538	41	16	x.	x.	NOUN
fsr-3538	41	17	zhao	zhao	PROPN
fsr-3538	41	18	/	/	SYM
fsr-3538	41	19	financial	financial	ADJ
fsr-3538	41	20	services	service	NOUN
fsr-3538	41	21	review	review	VERB
fsr-3538	41	22	31	31	NUM
fsr-3538	41	23	(	(	PUNCT
fsr-3538	41	24	2023	2023	NUM
fsr-3538	41	25	)	)	PUNCT
fsr-3538	41	26	169–196	169–196	NUM
fsr-3538	41	27	better	well	ADJ
fsr-3538	41	28	.	.	PUNCT
fsr-3538	42	1	semercioglu	semercioglu	NOUN
fsr-3538	42	2	and	and	CCONJ
fsr-3538	42	3	akcay	akcay	ADJ
fsr-3538	42	4	conclude	conclude	VERB
fsr-3538	42	5	that	that	SCONJ
fsr-3538	42	6	low	low	ADJ
fsr-3538	42	7	-	-	PUNCT
fsr-3538	42	8	level	level	NOUN
fsr-3538	42	9	financial	financial	ADJ
fsr-3538	42	10	literacy	literacy	NOUN
fsr-3538	42	11	across	across	ADP
fsr-3538	42	12	numerous	numerous	ADJ
fsr-3538	42	13	countries	country	NOUN
fsr-3538	42	14	is	be	AUX
fsr-3538	42	15	associated	associate	VERB
fsr-3538	42	16	with	with	ADP
fsr-3538	42	17	a	a	DET
fsr-3538	42	18	lack	lack	NOUN
fsr-3538	42	19	of	of	ADP
fsr-3538	42	20	financial	financial	ADJ
fsr-3538	42	21	training	training	NOUN
fsr-3538	42	22	for	for	ADP
fsr-3538	42	23	individuals	individual	NOUN
fsr-3538	42	24	in	in	ADP
fsr-3538	42	25	their	their	PRON
fsr-3538	42	26	traditional	traditional	ADJ
fsr-3538	42	27	education	education	NOUN
fsr-3538	42	28	experience	experience	NOUN
fsr-3538	42	29	.	.	PUNCT
fsr-3538	43	1	the	the	DET
fsr-3538	43	2	united	united	PROPN
fsr-3538	43	3	states	states	PROPN
fsr-3538	43	4	offers	offer	VERB
fsr-3538	43	5	an	an	DET
fsr-3538	43	6	example	example	NOUN
fsr-3538	43	7	of	of	ADP
fsr-3538	43	8	a	a	DET
fsr-3538	43	9	financial	financial	ADJ
fsr-3538	43	10	literacy	literacy	NOUN
fsr-3538	43	11	system	system	NOUN
fsr-3538	43	12	needing	need	VERB
fsr-3538	43	13	improvement	improvement	NOUN
fsr-3538	43	14	.	.	PUNCT
fsr-3538	44	1	only	only	ADV
fsr-3538	44	2	49	49	NUM
fsr-3538	44	3	%	%	NOUN
fsr-3538	44	4	of	of	ADP
fsr-3538	44	5	americans	americans	PROPN
fsr-3538	44	6	with	with	ADP
fsr-3538	44	7	a	a	DET
fsr-3538	44	8	college	college	NOUN
fsr-3538	44	9	education	education	NOUN
fsr-3538	44	10	can	can	AUX
fsr-3538	44	11	answer	answer	VERB
fsr-3538	44	12	basic	basic	ADJ
fsr-3538	44	13	questions	question	NOUN
fsr-3538	44	14	regarding	regard	VERB
fsr-3538	44	15	financial	financial	ADJ
fsr-3538	44	16	literacy	literacy	NOUN
fsr-3538	44	17	(	(	PUNCT
fsr-3538	44	18	faulkner	faulkner	NOUN
fsr-3538	44	19	,	,	PUNCT
fsr-3538	44	20	2017	2017	NUM
fsr-3538	44	21	)	)	PUNCT
fsr-3538	44	22	.	.	PUNCT
fsr-3538	45	1	faulkner	faulkner	NOUN
fsr-3538	45	2	believes	believe	VERB
fsr-3538	45	3	that	that	SCONJ
fsr-3538	45	4	the	the	DET
fsr-3538	45	5	observed	observe	VERB
fsr-3538	45	6	lack	lack	NOUN
fsr-3538	45	7	of	of	ADP
fsr-3538	45	8	financial	financial	ADJ
fsr-3538	45	9	literacy	literacy	NOUN
fsr-3538	45	10	is	be	AUX
fsr-3538	45	11	positively	positively	ADV
fsr-3538	45	12	correlated	correlate	VERB
fsr-3538	45	13	because	because	SCONJ
fsr-3538	45	14	household	household	NOUN
fsr-3538	45	15	spending	spending	NOUN
fsr-3538	45	16	in	in	ADP
fsr-3538	45	17	the	the	DET
fsr-3538	45	18	united	united	PROPN
fsr-3538	45	19	states	states	PROPN
fsr-3538	45	20	has	have	AUX
fsr-3538	45	21	consistently	consistently	ADV
fsr-3538	45	22	ranked	rank	VERB
fsr-3538	45	23	among	among	ADP
fsr-3538	45	24	the	the	DET
fsr-3538	45	25	highest	high	ADJ
fsr-3538	45	26	globally	globally	ADV
fsr-3538	45	27	.	.	PUNCT
fsr-3538	46	1	essentially	essentially	ADV
fsr-3538	46	2	,	,	PUNCT
fsr-3538	46	3	lower	low	ADJ
fsr-3538	46	4	financial	financial	ADJ
fsr-3538	46	5	literacy	literacy	NOUN
fsr-3538	46	6	contributes	contribute	VERB
fsr-3538	46	7	to	to	ADP
fsr-3538	46	8	the	the	DET
fsr-3538	46	9	higher	high	ADJ
fsr-3538	46	10	spending	spending	NOUN
fsr-3538	46	11	habits	habit	NOUN
fsr-3538	46	12	of	of	ADP
fsr-3538	46	13	individuals	individual	NOUN
fsr-3538	46	14	.	.	PUNCT
fsr-3538	47	1	additionally	additionally	ADV
fsr-3538	47	2	,	,	PUNCT
fsr-3538	47	3	the	the	DET
fsr-3538	47	4	average	average	ADJ
fsr-3538	47	5	savings	saving	NOUN
fsr-3538	47	6	rate	rate	NOUN
fsr-3538	47	7	in	in	ADP
fsr-3538	47	8	the	the	DET
fsr-3538	47	9	united	united	PROPN
fsr-3538	47	10	states	states	PROPN
fsr-3538	47	11	has	have	AUX
fsr-3538	47	12	hovered	hover	VERB
fsr-3538	47	13	around	around	ADV
fsr-3538	47	14	5	5	NUM
fsr-3538	47	15	%	%	NOUN
fsr-3538	47	16	,	,	PUNCT
fsr-3538	47	17	while	while	SCONJ
fsr-3538	47	18	the	the	DET
fsr-3538	47	19	recommended	recommend	VERB
fsr-3538	47	20	level	level	NOUN
fsr-3538	47	21	according	accord	VERB
fsr-3538	47	22	to	to	ADP
fsr-3538	47	23	the	the	DET
fsr-3538	47	24	u.s	u.s	PROPN
fsr-3538	47	25	.	.	PROPN
fsr-3538	47	26	bureau	bureau	PROPN
fsr-3538	47	27	of	of	ADP
fsr-3538	47	28	economic	economic	ADJ
fsr-3538	47	29	analysis	analysis	NOUN
fsr-3538	47	30	is	be	AUX
fsr-3538	47	31	often	often	ADV
fsr-3538	47	32	double	double	DET
fsr-3538	47	33	this	this	DET
fsr-3538	47	34	value	value	NOUN
fsr-3538	47	35	(	(	PUNCT
fsr-3538	47	36	faulkner	faulkner	NOUN
fsr-3538	47	37	,	,	PUNCT
fsr-3538	47	38	2017	2017	NUM
fsr-3538	47	39	)	)	PUNCT
fsr-3538	47	40	.	.	PUNCT
fsr-3538	48	1	henager	henager	ADV
fsr-3538	48	2	and	and	CCONJ
fsr-3538	48	3	cude	cude	ADJ
fsr-3538	48	4	(	(	PUNCT
fsr-3538	48	5	2016	2016	NUM
fsr-3538	48	6	)	)	PUNCT
fsr-3538	48	7	note	note	VERB
fsr-3538	48	8	increased	increase	VERB
fsr-3538	48	9	academic	academic	ADJ
fsr-3538	48	10	research	research	NOUN
fsr-3538	48	11	focusing	focus	VERB
fsr-3538	48	12	on	on	ADP
fsr-3538	48	13	financial	financial	ADJ
fsr-3538	48	14	literacy	literacy	NOUN
fsr-3538	48	15	and	and	CCONJ
fsr-3538	48	16	renewed	renew	VERB
fsr-3538	48	17	interest	interest	NOUN
fsr-3538	48	18	in	in	ADP
fsr-3538	48	19	financial	financial	ADJ
fsr-3538	48	20	education	education	NOUN
fsr-3538	48	21	and	and	CCONJ
fsr-3538	48	22	related	related	ADJ
fsr-3538	48	23	policy	policy	NOUN
fsr-3538	48	24	since	since	SCONJ
fsr-3538	48	25	the	the	DET
fsr-3538	48	26	mid-2000s	mid-2000s	PROPN
fsr-3538	48	27	driven	drive	VERB
fsr-3538	48	28	by	by	ADP
fsr-3538	48	29	an	an	DET
fsr-3538	48	30	increase	increase	NOUN
fsr-3538	48	31	in	in	ADP
fsr-3538	48	32	school	school	NOUN
fsr-3538	48	33	-	-	PUNCT
fsr-3538	48	34	based	base	VERB
fsr-3538	48	35	financial	financial	ADJ
fsr-3538	48	36	education	education	NOUN
fsr-3538	48	37	programs	program	NOUN
fsr-3538	48	38	.	.	PUNCT
fsr-3538	49	1	in	in	ADP
fsr-3538	49	2	addition	addition	NOUN
fsr-3538	49	3	,	,	PUNCT
fsr-3538	49	4	an	an	DET
fsr-3538	49	5	increase	increase	NOUN
fsr-3538	49	6	in	in	ADP
fsr-3538	49	7	state	state	NOUN
fsr-3538	49	8	mandates	mandate	NOUN
fsr-3538	49	9	for	for	ADP
fsr-3538	49	10	financial	financial	ADJ
fsr-3538	49	11	education	education	NOUN
fsr-3538	49	12	in	in	ADP
fsr-3538	49	13	high	high	ADJ
fsr-3538	49	14	schools	school	NOUN
fsr-3538	49	15	and	and	CCONJ
fsr-3538	49	16	the	the	DET
fsr-3538	49	17	creation	creation	NOUN
fsr-3538	49	18	of	of	ADP
fsr-3538	49	19	entities	entity	NOUN
fsr-3538	49	20	(	(	PUNCT
fsr-3538	49	21	e.g.	e.g.	ADV
fsr-3538	49	22	,	,	PUNCT
fsr-3538	49	23	the	the	DET
fsr-3538	49	24	financial	financial	ADJ
fsr-3538	49	25	literacy	literacy	NOUN
fsr-3538	49	26	and	and	CCONJ
fsr-3538	49	27	education	education	NOUN
fsr-3538	49	28	commission	commission	NOUN
fsr-3538	49	29	and	and	CCONJ
fsr-3538	49	30	the	the	DET
fsr-3538	49	31	consumer	consumer	NOUN
fsr-3538	49	32	financial	financial	PROPN
fsr-3538	49	33	protection	protection	PROPN
fsr-3538	49	34	bureau	bureau	PROPN
fsr-3538	49	35	)	)	PUNCT
fsr-3538	49	36	addressing	address	VERB
fsr-3538	49	37	financial	financial	ADJ
fsr-3538	49	38	literacy	literacy	NOUN
fsr-3538	49	39	illustrate	illustrate	VERB
fsr-3538	49	40	an	an	DET
fsr-3538	49	41	increase	increase	NOUN
fsr-3538	49	42	in	in	ADP
fsr-3538	49	43	attention	attention	NOUN
fsr-3538	49	44	to	to	ADP
fsr-3538	49	45	improving	improve	VERB
fsr-3538	49	46	financial	financial	ADJ
fsr-3538	49	47	literacy	literacy	NOUN
fsr-3538	49	48	across	across	ADP
fsr-3538	49	49	the	the	DET
fsr-3538	49	50	country	country	NOUN
fsr-3538	49	51	.	.	PUNCT
fsr-3538	50	1	henager	henager	ADV
fsr-3538	50	2	and	and	CCONJ
fsr-3538	50	3	cude	cude	VERB
fsr-3538	50	4	consider	consider	VERB
fsr-3538	50	5	how	how	SCONJ
fsr-3538	50	6	financial	financial	ADJ
fsr-3538	50	7	knowledge	knowledge	NOUN
fsr-3538	50	8	correlates	correlate	VERB
fsr-3538	50	9	with	with	ADP
fsr-3538	50	10	short	short	ADJ
fsr-3538	50	11	-	-	PUNCT
fsr-3538	50	12	term	term	NOUN
fsr-3538	50	13	and	and	CCONJ
fsr-3538	50	14	long	long	ADJ
fsr-3538	50	15	-	-	PUNCT
fsr-3538	50	16	term	term	NOUN
fsr-3538	50	17	behavior	behavior	NOUN
fsr-3538	50	18	segmented	segment	VERB
fsr-3538	50	19	by	by	ADP
fsr-3538	50	20	age	age	NOUN
fsr-3538	50	21	group	group	NOUN
fsr-3538	50	22	.	.	PUNCT
fsr-3538	51	1	they	they	PRON
fsr-3538	51	2	discovered	discover	VERB
fsr-3538	51	3	a	a	DET
fsr-3538	51	4	positive	positive	ADJ
fsr-3538	51	5	correlation	correlation	NOUN
fsr-3538	51	6	between	between	ADP
fsr-3538	51	7	financial	financial	ADJ
fsr-3538	51	8	literacy	literacy	NOUN
fsr-3538	51	9	and	and	CCONJ
fsr-3538	51	10	short	short	ADJ
fsr-3538	51	11	-	-	PUNCT
fsr-3538	51	12	term	term	NOUN
fsr-3538	51	13	and	and	CCONJ
fsr-3538	51	14	long	long	ADJ
fsr-3538	51	15	-	-	PUNCT
fsr-3538	51	16	term	term	NOUN
fsr-3538	51	17	financial	financial	ADJ
fsr-3538	51	18	behavior	behavior	NOUN
fsr-3538	51	19	.	.	PUNCT
fsr-3538	52	1	an	an	DET
fsr-3538	52	2	example	example	NOUN
fsr-3538	52	3	of	of	ADP
fsr-3538	52	4	short	short	ADJ
fsr-3538	52	5	-	-	PUNCT
fsr-3538	52	6	term	term	NOUN
fsr-3538	52	7	financial	financial	ADJ
fsr-3538	52	8	behavior	behavior	NOUN
fsr-3538	52	9	is	be	AUX
fsr-3538	52	10	paying	pay	VERB
fsr-3538	52	11	your	your	PRON
fsr-3538	52	12	monthly	monthly	ADJ
fsr-3538	52	13	bills	bill	NOUN
fsr-3538	52	14	on	on	ADP
fsr-3538	52	15	time	time	NOUN
fsr-3538	52	16	,	,	PUNCT
fsr-3538	52	17	while	while	SCONJ
fsr-3538	52	18	longterm	longterm	ADJ
fsr-3538	52	19	behavior	behavior	NOUN
fsr-3538	52	20	could	could	AUX
fsr-3538	52	21	be	be	AUX
fsr-3538	52	22	saving	save	VERB
fsr-3538	52	23	for	for	ADP
fsr-3538	52	24	retirement	retirement	NOUN
fsr-3538	52	25	.	.	PUNCT
fsr-3538	53	1	de	de	PROPN
fsr-3538	53	2	beckker	beckker	PROPN
fsr-3538	53	3	,	,	PUNCT
fsr-3538	53	4	de	de	X
fsr-3538	53	5	witte	witte	NOUN
fsr-3538	53	6	,	,	PUNCT
fsr-3538	53	7	and	and	CCONJ
fsr-3538	53	8	van	van	PROPN
fsr-3538	53	9	campenhout	campenhout	ADJ
fsr-3538	53	10	(	(	PUNCT
fsr-3538	53	11	2021	2021	NUM
fsr-3538	53	12	)	)	PUNCT
fsr-3538	53	13	note	note	VERB
fsr-3538	53	14	that	that	SCONJ
fsr-3538	53	15	financial	financial	ADJ
fsr-3538	53	16	education	education	NOUN
fsr-3538	53	17	does	do	AUX
fsr-3538	53	18	not	not	PART
fsr-3538	53	19	result	result	VERB
fsr-3538	53	20	in	in	ADP
fsr-3538	53	21	better	well	ADJ
fsr-3538	53	22	customer	customer	NOUN
fsr-3538	53	23	choices	choice	NOUN
fsr-3538	53	24	,	,	PUNCT
fsr-3538	53	25	despite	despite	SCONJ
fsr-3538	53	26	demonstrating	demonstrate	VERB
fsr-3538	53	27	improvements	improvement	NOUN
fsr-3538	53	28	in	in	ADP
fsr-3538	53	29	financial	financial	ADJ
fsr-3538	53	30	literacy	literacy	NOUN
fsr-3538	53	31	.	.	PUNCT
fsr-3538	54	1	one	one	NUM
fsr-3538	54	2	purpose	purpose	NOUN
fsr-3538	54	3	of	of	ADP
fsr-3538	54	4	implementing	implement	VERB
fsr-3538	54	5	financial	financial	ADJ
fsr-3538	54	6	literacy	literacy	NOUN
fsr-3538	54	7	programs	program	NOUN
fsr-3538	54	8	across	across	ADP
fsr-3538	54	9	high	high	ADJ
fsr-3538	54	10	schools	school	NOUN
fsr-3538	54	11	is	be	AUX
fsr-3538	54	12	to	to	PART
fsr-3538	54	13	increase	increase	VERB
fsr-3538	54	14	students	student	NOUN
fsr-3538	54	15	’	'	PUNCT
fsr-3538	54	16	knowledge	knowledge	NOUN
fsr-3538	54	17	of	of	ADP
fsr-3538	54	18	basic	basic	ADJ
fsr-3538	54	19	financial	financial	ADJ
fsr-3538	54	20	concepts	concept	NOUN
fsr-3538	54	21	and	and	CCONJ
fsr-3538	54	22	make	make	VERB
fsr-3538	54	23	smarter	smart	ADJ
fsr-3538	54	24	financial	financial	ADJ
fsr-3538	54	25	decisions	decision	NOUN
fsr-3538	54	26	as	as	ADP
fsr-3538	54	27	an	an	DET
fsr-3538	54	28	adult	adult	NOUN
fsr-3538	54	29	.	.	PUNCT
fsr-3538	54	30	brown	brown	PROPN
fsr-3538	54	31	,	,	PUNCT
fsr-3538	54	32	grigsby	grigsby	VERB
fsr-3538	54	33	,	,	PUNCT
fsr-3538	54	34	van	van	PROPN
fsr-3538	54	35	der	der	PROPN
fsr-3538	54	36	klaauw	klaauw	PROPN
fsr-3538	54	37	,	,	PUNCT
fsr-3538	54	38	wen	wen	PROPN
fsr-3538	54	39	,	,	PUNCT
fsr-3538	54	40	and	and	CCONJ
fsr-3538	54	41	zafar	zafar	PROPN
fsr-3538	54	42	(	(	PUNCT
fsr-3538	54	43	2016	2016	NUM
fsr-3538	54	44	)	)	PUNCT
fsr-3538	54	45	consider	consider	VERB
fsr-3538	54	46	the	the	DET
fsr-3538	54	47	effects	effect	NOUN
fsr-3538	54	48	of	of	ADP
fsr-3538	54	49	exposure	exposure	NOUN
fsr-3538	54	50	to	to	ADP
fsr-3538	54	51	financial	financial	ADJ
fsr-3538	54	52	training	training	NOUN
fsr-3538	54	53	on	on	ADP
fsr-3538	54	54	early	early	ADJ
fsr-3538	54	55	adults	adult	NOUN
fsr-3538	54	56	’	'	PUNCT
fsr-3538	54	57	debt	debt	NOUN
fsr-3538	54	58	outcomes	outcome	NOUN
fsr-3538	54	59	based	base	VERB
fsr-3538	54	60	on	on	ADP
fsr-3538	54	61	their	their	PRON
fsr-3538	54	62	high	high	ADJ
fsr-3538	54	63	school	school	NOUN
fsr-3538	54	64	’s	’s	PART
fsr-3538	54	65	inclusion	inclusion	NOUN
fsr-3538	54	66	of	of	ADP
fsr-3538	54	67	financial	financial	ADJ
fsr-3538	54	68	literacy	literacy	NOUN
fsr-3538	54	69	training	training	NOUN
fsr-3538	54	70	.	.	PUNCT
fsr-3538	55	1	brown	brown	PROPN
fsr-3538	55	2	et	et	PROPN
fsr-3538	55	3	al	al	PROPN
fsr-3538	55	4	.	.	PROPN
fsr-3538	56	1	analyze	analyze	VERB
fsr-3538	56	2	large	large	ADJ
fsr-3538	56	3	-	-	PUNCT
fsr-3538	56	4	scale	scale	NOUN
fsr-3538	56	5	changes	change	NOUN
fsr-3538	56	6	in	in	ADP
fsr-3538	56	7	financial	financial	ADJ
fsr-3538	56	8	training	training	NOUN
fsr-3538	56	9	exposure	exposure	NOUN
fsr-3538	56	10	using	use	VERB
fsr-3538	56	11	a	a	DET
fsr-3538	56	12	sample	sample	NOUN
fsr-3538	56	13	of	of	ADP
fsr-3538	56	14	young	young	ADJ
fsr-3538	56	15	americans	americans	PROPN
fsr-3538	56	16	and	and	CCONJ
fsr-3538	56	17	their	their	PRON
fsr-3538	56	18	debt	debt	NOUN
fsr-3538	56	19	behaviors	behavior	NOUN
fsr-3538	56	20	over	over	ADP
fsr-3538	56	21	the	the	DET
fsr-3538	56	22	decade	decade	NOUN
fsr-3538	56	23	immediately	immediately	ADV
fsr-3538	56	24	following	follow	VERB
fsr-3538	56	25	high	high	ADJ
fsr-3538	56	26	school	school	NOUN
fsr-3538	56	27	training	training	NOUN
fsr-3538	56	28	to	to	PART
fsr-3538	56	29	see	see	VERB
fsr-3538	56	30	if	if	SCONJ
fsr-3538	56	31	financial	financial	ADJ
fsr-3538	56	32	trading	trading	NOUN
fsr-3538	56	33	has	have	AUX
fsr-3538	56	34	had	have	VERB
fsr-3538	56	35	any	any	DET
fsr-3538	56	36	positive	positive	ADJ
fsr-3538	56	37	impact	impact	NOUN
fsr-3538	56	38	on	on	ADP
fsr-3538	56	39	their	their	PRON
fsr-3538	56	40	behavior	behavior	NOUN
fsr-3538	56	41	.	.	PUNCT
fsr-3538	57	1	they	they	PRON
fsr-3538	57	2	find	find	VERB
fsr-3538	57	3	that	that	SCONJ
fsr-3538	57	4	financial	financial	ADJ
fsr-3538	57	5	and	and	CCONJ
fsr-3538	57	6	quantitative	quantitative	ADJ
fsr-3538	57	7	education	education	NOUN
fsr-3538	57	8	during	during	ADP
fsr-3538	57	9	high	high	ADJ
fsr-3538	57	10	school	school	NOUN
fsr-3538	57	11	has	have	VERB
fsr-3538	57	12	moderate	moderate	ADJ
fsr-3538	57	13	implications	implication	NOUN
fsr-3538	57	14	for	for	ADP
fsr-3538	57	15	young	young	ADJ
fsr-3538	57	16	adults	adult	NOUN
fsr-3538	57	17	’	'	PUNCT
fsr-3538	57	18	financial	financial	ADJ
fsr-3538	57	19	decisions	decision	NOUN
fsr-3538	57	20	aged	age	VERB
fsr-3538	57	21	19	19	NUM
fsr-3538	57	22	to	to	PART
fsr-3538	57	23	29	29	NUM
fsr-3538	57	24	.	.	PUNCT
fsr-3538	58	1	digital	digital	ADJ
fsr-3538	58	2	financial	financial	ADJ
fsr-3538	58	3	literacy	literacy	NOUN
fsr-3538	58	4	(	(	PUNCT
fsr-3538	58	5	dfl	dfl	PROPN
fsr-3538	58	6	)	)	PUNCT
fsr-3538	58	7	,	,	PUNCT
fsr-3538	58	8	the	the	DET
fsr-3538	58	9	education	education	NOUN
fsr-3538	58	10	of	of	ADP
fsr-3538	58	11	financial	financial	ADJ
fsr-3538	58	12	literacy	literacy	NOUN
fsr-3538	58	13	through	through	ADP
fsr-3538	58	14	digital	digital	ADJ
fsr-3538	58	15	platforms	platform	NOUN
fsr-3538	58	16	,	,	PUNCT
fsr-3538	58	17	is	be	AUX
fsr-3538	58	18	likely	likely	ADJ
fsr-3538	58	19	to	to	PART
fsr-3538	58	20	become	become	VERB
fsr-3538	58	21	an	an	DET
fsr-3538	58	22	increasingly	increasingly	ADV
fsr-3538	58	23	important	important	ADJ
fsr-3538	58	24	aspect	aspect	NOUN
fsr-3538	58	25	of	of	ADP
fsr-3538	58	26	education	education	NOUN
fsr-3538	58	27	,	,	PUNCT
fsr-3538	58	28	especially	especially	ADV
fsr-3538	58	29	in	in	ADP
fsr-3538	58	30	a	a	DET
fsr-3538	58	31	post	post	ADJ
fsr-3538	58	32	-	-	ADJ
fsr-3538	58	33	covid-19	covid-19	ADJ
fsr-3538	58	34	world	world	NOUN
fsr-3538	58	35	.	.	PUNCT
fsr-3538	59	1	this	this	DET
fsr-3538	59	2	transition	transition	NOUN
fsr-3538	59	3	means	mean	VERB
fsr-3538	59	4	individuals	individual	NOUN
fsr-3538	59	5	can	can	AUX
fsr-3538	59	6	become	become	VERB
fsr-3538	59	7	more	more	ADV
fsr-3538	59	8	responsible	responsible	ADJ
fsr-3538	59	9	for	for	ADP
fsr-3538	59	10	their	their	PRON
fsr-3538	59	11	financial	financial	ADJ
fsr-3538	59	12	planning	planning	NOUN
fsr-3538	59	13	,	,	PUNCT
fsr-3538	59	14	including	include	VERB
fsr-3538	59	15	retirement	retirement	NOUN
fsr-3538	59	16	and	and	CCONJ
fsr-3538	59	17	other	other	ADJ
fsr-3538	59	18	goals	goal	NOUN
fsr-3538	59	19	(	(	PUNCT
fsr-3538	59	20	morgan	morgan	PROPN
fsr-3538	59	21	,	,	PUNCT
fsr-3538	59	22	huang	huang	PROPN
fsr-3538	59	23	,	,	PUNCT
fsr-3538	59	24	&	&	CCONJ
fsr-3538	59	25	trinh	trinh	PROPN
fsr-3538	59	26	,	,	PUNCT
fsr-3538	59	27	2019	2019	NUM
fsr-3538	59	28	)	)	PUNCT
fsr-3538	59	29	via	via	ADP
fsr-3538	59	30	a	a	DET
fsr-3538	59	31	digital	digital	ADJ
fsr-3538	59	32	learning	learning	NOUN
fsr-3538	59	33	environment	environment	NOUN
fsr-3538	59	34	.	.	PUNCT
fsr-3538	60	1	since	since	SCONJ
fsr-3538	60	2	the	the	DET
fsr-3538	60	3	early	early	ADJ
fsr-3538	60	4	2000s	2000s	NUM
fsr-3538	60	5	,	,	PUNCT
fsr-3538	60	6	many	many	ADJ
fsr-3538	60	7	technological	technological	ADJ
fsr-3538	60	8	advances	advance	NOUN
fsr-3538	60	9	have	have	AUX
fsr-3538	60	10	emerged	emerge	VERB
fsr-3538	60	11	across	across	ADP
fsr-3538	60	12	the	the	DET
fsr-3538	60	13	globe	globe	NOUN
fsr-3538	60	14	that	that	PRON
fsr-3538	60	15	have	have	AUX
fsr-3538	60	16	impacted	impact	VERB
fsr-3538	60	17	several	several	ADJ
fsr-3538	60	18	countries	country	NOUN
fsr-3538	60	19	’	'	PUNCT
fsr-3538	60	20	structures	structure	NOUN
fsr-3538	60	21	,	,	PUNCT
fsr-3538	60	22	yet	yet	CCONJ
fsr-3538	60	23	various	various	ADJ
fsr-3538	60	24	educational	educational	ADJ
fsr-3538	60	25	systems	system	NOUN
fsr-3538	60	26	have	have	AUX
fsr-3538	60	27	not	not	PART
fsr-3538	60	28	adequately	adequately	ADV
fsr-3538	60	29	adapted	adapt	VERB
fsr-3538	60	30	to	to	ADP
fsr-3538	60	31	a	a	DET
fsr-3538	60	32	digital	digital	ADJ
fsr-3538	60	33	learning	learning	NOUN
fsr-3538	60	34	environment	environment	NOUN
fsr-3538	60	35	.	.	PUNCT
fsr-3538	61	1	financial	financial	ADJ
fsr-3538	61	2	technology	technology	NOUN
fsr-3538	61	3	(	(	PUNCT
fsr-3538	61	4	fintech	fintech	NOUN
fsr-3538	61	5	)	)	PUNCT
fsr-3538	61	6	,	,	PUNCT
fsr-3538	61	7	using	use	VERB
fsr-3538	61	8	software	software	NOUN
fsr-3538	61	9	,	,	PUNCT
fsr-3538	61	10	applications	application	NOUN
fsr-3538	61	11	,	,	PUNCT
fsr-3538	61	12	and	and	CCONJ
fsr-3538	61	13	digital	digital	ADJ
fsr-3538	61	14	platforms	platform	NOUN
fsr-3538	61	15	to	to	PART
fsr-3538	61	16	deliver	deliver	VERB
fsr-3538	61	17	financial	financial	ADJ
fsr-3538	61	18	services	service	NOUN
fsr-3538	61	19	to	to	ADP
fsr-3538	61	20	consumers	consumer	NOUN
fsr-3538	61	21	and	and	CCONJ
fsr-3538	61	22	businesses	business	NOUN
fsr-3538	61	23	through	through	ADP
fsr-3538	61	24	digital	digital	ADJ
fsr-3538	61	25	devices	device	NOUN
fsr-3538	61	26	such	such	ADJ
fsr-3538	61	27	as	as	ADP
fsr-3538	61	28	smartphones	smartphone	NOUN
fsr-3538	61	29	,	,	PUNCT
fsr-3538	61	30	has	have	AUX
fsr-3538	61	31	become	become	AUX
fsr-3538	61	32	recognized	recognize	VERB
fsr-3538	61	33	as	as	ADP
fsr-3538	61	34	a	a	DET
fsr-3538	61	35	promising	promising	ADJ
fsr-3538	61	36	tool	tool	NOUN
fsr-3538	61	37	to	to	PART
fsr-3538	61	38	promote	promote	VERB
fsr-3538	61	39	financial	financial	ADJ
fsr-3538	61	40	inclusion	inclusion	NOUN
fsr-3538	61	41	.	.	PUNCT
fsr-3538	62	1	inclusion	inclusion	NOUN
fsr-3538	62	2	g.	g.	PROPN
fsr-3538	62	3	filbeck	filbeck	NOUN
fsr-3538	62	4	and	and	CCONJ
fsr-3538	62	5	x.	x.	NOUN
fsr-3538	62	6	zhao	zhao	PROPN
fsr-3538	62	7	/	/	SYM
fsr-3538	62	8	financial	financial	ADJ
fsr-3538	62	9	services	service	NOUN
fsr-3538	62	10	review	review	VERB
fsr-3538	62	11	31	31	NUM
fsr-3538	62	12	(	(	PUNCT
fsr-3538	62	13	2023	2023	NUM
fsr-3538	62	14	)	)	PUNCT
fsr-3538	62	15	169–196	169–196	NUM
fsr-3538	62	16	171	171	NUM
fsr-3538	62	17	involves	involve	VERB
fsr-3538	62	18	necessary	necessary	ADJ
fsr-3538	62	19	access	access	NOUN
fsr-3538	62	20	to	to	ADP
fsr-3538	62	21	financial	financial	ADJ
fsr-3538	62	22	products	product	NOUN
fsr-3538	62	23	and	and	CCONJ
fsr-3538	62	24	services	service	NOUN
fsr-3538	62	25	provided	provide	VERB
fsr-3538	62	26	to	to	PART
fsr-3538	62	27	excluded	exclude	VERB
fsr-3538	62	28	households	household	NOUN
fsr-3538	62	29	and	and	CCONJ
fsr-3538	62	30	small	small	ADJ
fsr-3538	62	31	firms	firm	NOUN
fsr-3538	62	32	.	.	PUNCT
fsr-3538	63	1	fintech	fintech	NOUN
fsr-3538	63	2	is	be	AUX
fsr-3538	63	3	revolutionizing	revolutionize	VERB
fsr-3538	63	4	the	the	DET
fsr-3538	63	5	financial	financial	ADJ
fsr-3538	63	6	services	service	NOUN
fsr-3538	63	7	industry	industry	NOUN
fsr-3538	63	8	at	at	ADP
fsr-3538	63	9	a	a	DET
fsr-3538	63	10	very	very	ADV
fsr-3538	63	11	rapid	rapid	ADJ
fsr-3538	63	12	pace	pace	NOUN
fsr-3538	63	13	.	.	PUNCT
fsr-3538	64	1	views	view	NOUN
fsr-3538	64	2	differ	differ	VERB
fsr-3538	64	3	regarding	regard	VERB
fsr-3538	64	4	the	the	DET
fsr-3538	64	5	likely	likely	ADJ
fsr-3538	64	6	impact	impact	NOUN
fsr-3538	64	7	that	that	PRON
fsr-3538	64	8	fintech	fintech	NOUN
fsr-3538	64	9	is	be	AUX
fsr-3538	64	10	expected	expect	VERB
fsr-3538	64	11	to	to	PART
fsr-3538	64	12	have	have	VERB
fsr-3538	64	13	on	on	ADP
fsr-3538	64	14	personal	personal	ADJ
fsr-3538	64	15	financial	financial	ADJ
fsr-3538	64	16	planning	planning	NOUN
fsr-3538	64	17	,	,	PUNCT
fsr-3538	64	18	well	well	ADV
fsr-3538	64	19	-	-	PUNCT
fsr-3538	64	20	being	being	NOUN
fsr-3538	64	21	,	,	PUNCT
fsr-3538	64	22	and	and	CCONJ
fsr-3538	64	23	societal	societal	ADJ
fsr-3538	64	24	welfare	welfare	NOUN
fsr-3538	64	25	(	(	PUNCT
fsr-3538	64	26	panos	panos	PROPN
fsr-3538	64	27	&	&	CCONJ
fsr-3538	64	28	wilson	wilson	PROPN
fsr-3538	64	29	,	,	PUNCT
fsr-3538	64	30	2020	2020	NUM
fsr-3538	64	31	)	)	PUNCT
fsr-3538	64	32	.	.	PUNCT
fsr-3538	65	1	many	many	ADJ
fsr-3538	65	2	scholars	scholar	NOUN
fsr-3538	65	3	have	have	VERB
fsr-3538	65	4	one	one	NUM
fsr-3538	65	5	question	question	NOUN
fsr-3538	65	6	whether	whether	SCONJ
fsr-3538	65	7	the	the	DET
fsr-3538	65	8	implementation	implementation	NOUN
fsr-3538	65	9	of	of	ADP
fsr-3538	65	10	fintech	fintech	NOUN
fsr-3538	65	11	in	in	ADP
fsr-3538	65	12	the	the	DET
fsr-3538	65	13	high	high	ADJ
fsr-3538	65	14	school	school	NOUN
fsr-3538	65	15	curriculum	curriculum	NOUN
fsr-3538	65	16	will	will	AUX
fsr-3538	65	17	have	have	AUX
fsr-3538	65	18	a	a	DET
fsr-3538	65	19	material	material	ADJ
fsr-3538	65	20	effect	effect	NOUN
fsr-3538	65	21	on	on	ADP
fsr-3538	65	22	students	student	NOUN
fsr-3538	65	23	’	'	PUNCT
fsr-3538	65	24	improvement	improvement	NOUN
fsr-3538	65	25	of	of	ADP
fsr-3538	65	26	financial	financial	ADJ
fsr-3538	65	27	knowledge	knowledge	NOUN
fsr-3538	65	28	.	.	PUNCT
fsr-3538	66	1	they	they	PRON
fsr-3538	66	2	argue	argue	VERB
fsr-3538	66	3	that	that	SCONJ
fsr-3538	66	4	financial	financial	ADJ
fsr-3538	66	5	literacy	literacy	NOUN
fsr-3538	66	6	research	research	NOUN
fsr-3538	66	7	should	should	AUX
fsr-3538	66	8	make	make	VERB
fsr-3538	66	9	financial	financial	ADJ
fsr-3538	66	10	education	education	NOUN
fsr-3538	66	11	more	more	ADV
fsr-3538	66	12	effective	effective	ADJ
fsr-3538	66	13	through	through	ADP
fsr-3538	66	14	improved	improve	VERB
fsr-3538	66	15	content	content	NOUN
fsr-3538	66	16	design	design	NOUN
fsr-3538	66	17	and	and	CCONJ
fsr-3538	66	18	delivery	delivery	NOUN
fsr-3538	66	19	.	.	PUNCT
fsr-3538	67	1	the	the	DET
fsr-3538	67	2	disadvantage	disadvantage	NOUN
fsr-3538	67	3	of	of	ADP
fsr-3538	67	4	enabling	enable	VERB
fsr-3538	67	5	a	a	DET
fsr-3538	67	6	more	more	ADV
fsr-3538	67	7	user	user	NOUN
fsr-3538	67	8	-	-	PUNCT
fsr-3538	67	9	friendly	friendly	ADJ
fsr-3538	67	10	and	and	CCONJ
fsr-3538	67	11	easily	easily	ADV
fsr-3538	67	12	accessible	accessible	ADJ
fsr-3538	67	13	program	program	NOUN
fsr-3538	67	14	online	online	ADV
fsr-3538	67	15	is	be	AUX
fsr-3538	67	16	that	that	SCONJ
fsr-3538	67	17	students	student	NOUN
fsr-3538	67	18	might	might	AUX
fsr-3538	67	19	develop	develop	VERB
fsr-3538	67	20	misconceptions	misconception	NOUN
fsr-3538	67	21	of	of	ADP
fsr-3538	67	22	specific	specific	ADJ
fsr-3538	67	23	topics	topic	NOUN
fsr-3538	67	24	more	more	ADV
fsr-3538	67	25	often	often	ADV
fsr-3538	67	26	than	than	SCONJ
fsr-3538	67	27	if	if	SCONJ
fsr-3538	67	28	they	they	PRON
fsr-3538	67	29	were	be	AUX
fsr-3538	67	30	engaged	engage	VERB
fsr-3538	67	31	in	in	ADP
fsr-3538	67	32	an	an	DET
fsr-3538	67	33	in	in	ADP
fsr-3538	67	34	-	-	PUNCT
fsr-3538	67	35	person	person	NOUN
fsr-3538	67	36	program	program	NOUN
fsr-3538	67	37	.	.	PUNCT
fsr-3538	68	1	for	for	ADP
fsr-3538	68	2	instance	instance	NOUN
fsr-3538	68	3	,	,	PUNCT
fsr-3538	68	4	panos	panos	PROPN
fsr-3538	68	5	&	&	CCONJ
fsr-3538	68	6	wilson	wilson	PROPN
fsr-3538	68	7	indicate	indicate	VERB
fsr-3538	68	8	that	that	SCONJ
fsr-3538	68	9	students	student	NOUN
fsr-3538	68	10	had	have	VERB
fsr-3538	68	11	a	a	DET
fsr-3538	68	12	persistent	persistent	ADJ
fsr-3538	68	13	misunderstanding	misunderstanding	NOUN
fsr-3538	68	14	of	of	ADP
fsr-3538	68	15	the	the	DET
fsr-3538	68	16	risk	risk	NOUN
fsr-3538	68	17	/	/	SYM
fsr-3538	68	18	reward	reward	NOUN
fsr-3538	68	19	tradeoff	tradeoff	NOUN
fsr-3538	68	20	with	with	ADP
fsr-3538	68	21	derivatives	derivative	NOUN
fsr-3538	68	22	,	,	PUNCT
fsr-3538	68	23	more	more	ADV
fsr-3538	68	24	so	so	ADV
fsr-3538	68	25	than	than	ADP
fsr-3538	68	26	any	any	DET
fsr-3538	68	27	other	other	ADJ
fsr-3538	68	28	topic	topic	NOUN
fsr-3538	68	29	due	due	ADP
fsr-3538	68	30	to	to	ADP
fsr-3538	68	31	the	the	DET
fsr-3538	68	32	program	program	NOUN
fsr-3538	68	33	’s	’s	PART
fsr-3538	68	34	online	online	ADJ
fsr-3538	68	35	nature	nature	NOUN
fsr-3538	68	36	.	.	PUNCT
fsr-3538	69	1	if	if	SCONJ
fsr-3538	69	2	enough	enough	ADJ
fsr-3538	69	3	student	student	NOUN
fsr-3538	69	4	participants	participant	NOUN
fsr-3538	69	5	form	form	VERB
fsr-3538	69	6	this	this	DET
fsr-3538	69	7	misconception	misconception	NOUN
fsr-3538	69	8	,	,	PUNCT
fsr-3538	69	9	then	then	ADV
fsr-3538	69	10	a	a	DET
fsr-3538	69	11	possibility	possibility	NOUN
fsr-3538	69	12	exists	exist	VERB
fsr-3538	69	13	that	that	SCONJ
fsr-3538	69	14	other	other	ADJ
fsr-3538	69	15	misconceptions	misconception	NOUN
fsr-3538	69	16	related	relate	VERB
fsr-3538	69	17	to	to	ADP
fsr-3538	69	18	basic	basic	ADJ
fsr-3538	69	19	financial	financial	ADJ
fsr-3538	69	20	knowledge	knowledge	NOUN
fsr-3538	69	21	could	could	AUX
fsr-3538	69	22	emerge	emerge	VERB
fsr-3538	69	23	.	.	PUNCT
fsr-3538	70	1	however	however	ADV
fsr-3538	70	2	,	,	PUNCT
fsr-3538	70	3	van	van	PROPN
fsr-3538	70	4	alten	alten	NOUN
fsr-3538	70	5	,	,	PUNCT
fsr-3538	70	6	phielix	phielix	NOUN
fsr-3538	70	7	,	,	PUNCT
fsr-3538	70	8	janssen	janssen	PROPN
fsr-3538	70	9	,	,	PUNCT
fsr-3538	70	10	and	and	CCONJ
fsr-3538	70	11	kester	kester	PROPN
fsr-3538	70	12	(	(	PUNCT
fsr-3538	70	13	2019	2019	NUM
fsr-3538	70	14	)	)	PUNCT
fsr-3538	70	15	find	find	VERB
fsr-3538	70	16	that	that	SCONJ
fsr-3538	70	17	in	in	ADP
fsr-3538	70	18	flipped	flip	VERB
fsr-3538	70	19	classroom	classroom	NOUN
fsr-3538	70	20	settings	setting	NOUN
fsr-3538	70	21	in	in	ADP
fsr-3538	70	22	which	which	PRON
fsr-3538	70	23	students	student	NOUN
fsr-3538	70	24	are	be	AUX
fsr-3538	70	25	required	require	VERB
fsr-3538	70	26	to	to	PART
fsr-3538	70	27	watch	watch	VERB
fsr-3538	70	28	online	online	ADJ
fsr-3538	70	29	videos	video	NOUN
fsr-3538	70	30	,	,	PUNCT
fsr-3538	70	31	students	student	NOUN
fsr-3538	70	32	achieved	achieve	VERB
fsr-3538	70	33	significantly	significantly	ADV
fsr-3538	70	34	higher	high	ADJ
fsr-3538	70	35	assessed	assessed	ADJ
fsr-3538	70	36	learning	learn	VERB
fsr-3538	70	37	outcomes	outcome	NOUN
fsr-3538	70	38	than	than	ADP
fsr-3538	70	39	students	student	NOUN
fsr-3538	70	40	in	in	ADP
fsr-3538	70	41	traditional	traditional	ADJ
fsr-3538	70	42	classrooms	classroom	NOUN
fsr-3538	70	43	,	,	PUNCT
fsr-3538	70	44	assuming	assume	VERB
fsr-3538	70	45	face	face	NOUN
fsr-3538	70	46	-	-	PUNCT
fsr-3538	70	47	to	to	ADP
fsr-3538	70	48	-	-	PUNCT
fsr-3538	70	49	face	face	NOUN
fsr-3538	70	50	class	class	NOUN
fsr-3538	70	51	time	time	NOUN
fsr-3538	70	52	was	be	AUX
fsr-3538	70	53	not	not	PART
fsr-3538	70	54	reduced	reduce	VERB
fsr-3538	70	55	compared	compare	VERB
fsr-3538	70	56	to	to	ADP
fsr-3538	70	57	nonflipped	nonflippe	VERB
fsr-3538	70	58	classrooms	classroom	NOUN
fsr-3538	70	59	.	.	PUNCT
fsr-3538	71	1	their	their	PRON
fsr-3538	71	2	study	study	NOUN
fsr-3538	71	3	did	do	AUX
fsr-3538	71	4	not	not	PART
fsr-3538	71	5	have	have	VERB
fsr-3538	71	6	any	any	DET
fsr-3538	71	7	direct	direct	ADJ
fsr-3538	71	8	evidence	evidence	NOUN
fsr-3538	71	9	of	of	ADP
fsr-3538	71	10	differences	difference	NOUN
fsr-3538	71	11	.	.	PUNCT
fsr-3538	72	1	noetel	noetel	PROPN
fsr-3538	72	2	,	,	PUNCT
fsr-3538	72	3	griffith	griffith	PROPN
fsr-3538	72	4	,	,	PUNCT
fsr-3538	72	5	delaney	delaney	PROPN
fsr-3538	72	6	,	,	PUNCT
fsr-3538	72	7	sanders	sanders	PROPN
fsr-3538	72	8	,	,	PUNCT
fsr-3538	72	9	parker	parker	PROPN
fsr-3538	72	10	,	,	PUNCT
fsr-3538	72	11	del	del	PROPN
fsr-3538	72	12	pozo	pozo	PROPN
fsr-3538	72	13	cruz	cruz	PROPN
fsr-3538	72	14	,	,	PUNCT
fsr-3538	72	15	and	and	CCONJ
fsr-3538	72	16	lonsdale	lonsdale	PROPN
fsr-3538	72	17	(	(	PUNCT
fsr-3538	72	18	2020	2020	NUM
fsr-3538	72	19	)	)	PUNCT
fsr-3538	72	20	find	find	VERB
fsr-3538	72	21	that	that	SCONJ
fsr-3538	72	22	substituting	substitute	VERB
fsr-3538	72	23	video	video	NOUN
fsr-3538	72	24	for	for	ADP
fsr-3538	72	25	existing	exist	VERB
fsr-3538	72	26	teaching	teaching	NOUN
fsr-3538	72	27	methods	method	NOUN
fsr-3538	72	28	leads	lead	VERB
fsr-3538	72	29	to	to	ADP
fsr-3538	72	30	smaller	small	ADJ
fsr-3538	72	31	improvements	improvement	NOUN
fsr-3538	72	32	in	in	ADP
fsr-3538	72	33	student	student	NOUN
fsr-3538	72	34	learning	learning	NOUN
fsr-3538	72	35	.	.	PUNCT
fsr-3538	73	1	in	in	ADP
fsr-3538	73	2	contrast	contrast	NOUN
fsr-3538	73	3	,	,	PUNCT
fsr-3538	73	4	videos	video	NOUN
fsr-3538	73	5	as	as	ADP
fsr-3538	73	6	a	a	DET
fsr-3538	73	7	supplementary	supplementary	ADJ
fsr-3538	73	8	teaching	teaching	NOUN
fsr-3538	73	9	tool	tool	NOUN
fsr-3538	73	10	led	lead	VERB
fsr-3538	73	11	to	to	ADP
fsr-3538	73	12	stronger	strong	ADJ
fsr-3538	73	13	learning	learning	NOUN
fsr-3538	73	14	benefits	benefit	NOUN
fsr-3538	73	15	.	.	PUNCT
fsr-3538	74	1	wolla	wolla	NOUN
fsr-3538	74	2	(	(	PUNCT
fsr-3538	74	3	2017	2017	NUM
fsr-3538	74	4	)	)	PUNCT
fsr-3538	74	5	reports	report	VERB
fsr-3538	74	6	that	that	SCONJ
fsr-3538	74	7	fdic	fdic	PROPN
fsr-3538	74	8	research	research	NOUN
fsr-3538	74	9	indicates	indicate	VERB
fsr-3538	74	10	that	that	SCONJ
fsr-3538	74	11	80	80	NUM
fsr-3538	74	12	%	%	NOUN
fsr-3538	74	13	of	of	ADP
fsr-3538	74	14	the	the	DET
fsr-3538	74	15	states	state	NOUN
fsr-3538	74	16	in	in	ADP
fsr-3538	74	17	the	the	DET
fsr-3538	74	18	united	united	PROPN
fsr-3538	74	19	states	states	PROPN
fsr-3538	74	20	have	have	AUX
fsr-3538	74	21	currently	currently	ADV
fsr-3538	74	22	adopted	adopt	VERB
fsr-3538	74	23	some	some	DET
fsr-3538	74	24	form	form	NOUN
fsr-3538	74	25	of	of	ADP
fsr-3538	74	26	personal	personal	ADJ
fsr-3538	74	27	finance	finance	NOUN
fsr-3538	74	28	education	education	NOUN
fsr-3538	74	29	standard	standard	NOUN
fsr-3538	74	30	,	,	PUNCT
fsr-3538	74	31	up	up	ADV
fsr-3538	74	32	from	from	ADP
fsr-3538	74	33	42	42	NUM
fsr-3538	74	34	%	%	NOUN
fsr-3538	74	35	in	in	ADP
fsr-3538	74	36	1998	1998	NUM
fsr-3538	74	37	.	.	PUNCT
fsr-3538	75	1	while	while	SCONJ
fsr-3538	75	2	the	the	DET
fsr-3538	75	3	numbers	number	NOUN
fsr-3538	75	4	show	show	VERB
fsr-3538	75	5	an	an	DET
fsr-3538	75	6	improvement	improvement	NOUN
fsr-3538	75	7	,	,	PUNCT
fsr-3538	75	8	these	these	DET
fsr-3538	75	9	states	state	NOUN
fsr-3538	75	10	do	do	AUX
fsr-3538	75	11	not	not	PART
fsr-3538	75	12	mandate	mandate	VERB
fsr-3538	75	13	financial	financial	ADJ
fsr-3538	75	14	education	education	NOUN
fsr-3538	75	15	.	.	PUNCT
fsr-3538	76	1	with	with	ADP
fsr-3538	76	2	only	only	ADV
fsr-3538	76	3	29.7	29.7	NUM
fsr-3538	76	4	%	%	NOUN
fsr-3538	76	5	of	of	ADP
fsr-3538	76	6	schools	school	NOUN
fsr-3538	76	7	offering	offer	VERB
fsr-3538	76	8	financial	financial	ADJ
fsr-3538	76	9	education	education	NOUN
fsr-3538	76	10	,	,	PUNCT
fsr-3538	76	11	the	the	DET
fsr-3538	76	12	student	student	NOUN
fsr-3538	76	13	’s	’s	PART
fsr-3538	76	14	need	need	NOUN
fsr-3538	76	15	for	for	ADP
fsr-3538	76	16	financial	financial	ADJ
fsr-3538	76	17	education	education	NOUN
fsr-3538	76	18	is	be	AUX
fsr-3538	76	19	not	not	PART
fsr-3538	76	20	adequately	adequately	ADV
fsr-3538	76	21	satisfied	satisfied	ADJ
fsr-3538	76	22	.	.	PUNCT
fsr-3538	77	1	wolla	wolla	NOUN
fsr-3538	77	2	,	,	PUNCT
fsr-3538	77	3	a	a	DET
fsr-3538	77	4	member	member	NOUN
fsr-3538	77	5	of	of	ADP
fsr-3538	77	6	the	the	DET
fsr-3538	77	7	federal	federal	PROPN
fsr-3538	77	8	reserve	reserve	PROPN
fsr-3538	77	9	bank	bank	PROPN
fsr-3538	77	10	of	of	ADP
fsr-3538	77	11	st	st	PROPN
fsr-3538	77	12	.	.	PROPN
fsr-3538	77	13	louis	louis	PROPN
fsr-3538	77	14	,	,	PUNCT
fsr-3538	77	15	notes	note	VERB
fsr-3538	77	16	that	that	SCONJ
fsr-3538	77	17	one	one	NUM
fsr-3538	77	18	of	of	ADP
fsr-3538	77	19	its	its	PRON
fsr-3538	77	20	resources	resource	NOUN
fsr-3538	77	21	,	,	PUNCT
fsr-3538	77	22	soar	soar	VERB
fsr-3538	77	23	to	to	ADP
fsr-3538	77	24	savings	saving	NOUN
fsr-3538	77	25	,	,	PUNCT
fsr-3538	77	26	provides	provide	VERB
fsr-3538	77	27	an	an	DET
fsr-3538	77	28	online	online	ADJ
fsr-3538	77	29	learning	learning	NOUN
fsr-3538	77	30	module	module	NOUN
fsr-3538	77	31	that	that	PRON
fsr-3538	77	32	teaches	teach	VERB
fsr-3538	77	33	essential	essential	ADJ
fsr-3538	77	34	personal	personal	ADJ
fsr-3538	77	35	finance	finance	NOUN
fsr-3538	77	36	and	and	CCONJ
fsr-3538	77	37	economics	economic	NOUN
fsr-3538	77	38	concepts	concept	NOUN
fsr-3538	77	39	.	.	PUNCT
fsr-3538	78	1	with	with	ADP
fsr-3538	78	2	a	a	DET
fsr-3538	78	3	sample	sample	NOUN
fsr-3538	78	4	of	of	ADP
fsr-3538	78	5	3,061	3,061	NUM
fsr-3538	78	6	sets	set	NOUN
fsr-3538	78	7	of	of	ADP
fsr-3538	78	8	pretest	pretest	NOUN
fsr-3538	78	9	and	and	CCONJ
fsr-3538	78	10	post	post	ADJ
fsr-3538	78	11	-	-	ADJ
fsr-3538	78	12	test	test	ADJ
fsr-3538	78	13	scores	score	NOUN
fsr-3538	78	14	of	of	ADP
fsr-3538	78	15	students	student	NOUN
fsr-3538	78	16	across	across	ADP
fsr-3538	78	17	100	100	NUM
fsr-3538	78	18	schools	school	NOUN
fsr-3538	78	19	,	,	PUNCT
fsr-3538	78	20	wolla	wolla	NOUN
fsr-3538	78	21	concludes	conclude	VERB
fsr-3538	78	22	that	that	SCONJ
fsr-3538	78	23	a	a	DET
fsr-3538	78	24	statistically	statistically	ADV
fsr-3538	78	25	significant	significant	ADJ
fsr-3538	78	26	improvement	improvement	NOUN
fsr-3538	78	27	exists	exist	VERB
fsr-3538	78	28	in	in	ADP
fsr-3538	78	29	scores	score	NOUN
fsr-3538	78	30	from	from	ADP
fsr-3538	78	31	both	both	CCONJ
fsr-3538	78	32	the	the	DET
fsr-3538	78	33	overall	overall	ADJ
fsr-3538	78	34	student	student	NOUN
fsr-3538	78	35	results	result	NOUN
fsr-3538	78	36	and	and	CCONJ
fsr-3538	78	37	the	the	DET
fsr-3538	78	38	school	school	NOUN
fsr-3538	78	39	results	result	NOUN
fsr-3538	78	40	.	.	PUNCT
fsr-3538	79	1	overall	overall	ADV
fsr-3538	79	2	,	,	PUNCT
fsr-3538	79	3	the	the	DET
fsr-3538	79	4	results	result	NOUN
fsr-3538	79	5	confirm	confirm	VERB
fsr-3538	79	6	that	that	SCONJ
fsr-3538	79	7	the	the	DET
fsr-3538	79	8	paired	pair	VERB
fsr-3538	79	9	samples	sample	NOUN
fsr-3538	79	10	at	at	ADP
fsr-3538	79	11	both	both	DET
fsr-3538	79	12	levels	level	NOUN
fsr-3538	79	13	indicate	indicate	VERB
fsr-3538	79	14	that	that	SCONJ
fsr-3538	79	15	the	the	DET
fsr-3538	79	16	soar	soar	NOUN
fsr-3538	79	17	to	to	ADP
fsr-3538	79	18	savings	saving	NOUN
fsr-3538	79	19	online	online	ADJ
fsr-3538	79	20	module	module	NOUN
fsr-3538	79	21	effectively	effectively	ADV
fsr-3538	79	22	increases	increase	VERB
fsr-3538	79	23	financial	financial	ADJ
fsr-3538	79	24	knowledge	knowledge	NOUN
fsr-3538	79	25	among	among	ADP
fsr-3538	79	26	high	high	ADJ
fsr-3538	79	27	school	school	NOUN
fsr-3538	79	28	students	student	NOUN
fsr-3538	79	29	.	.	PUNCT
fsr-3538	80	1	although	although	SCONJ
fsr-3538	80	2	traditional	traditional	ADJ
fsr-3538	80	3	printed	print	VERB
fsr-3538	80	4	materials	material	NOUN
fsr-3538	80	5	and	and	CCONJ
fsr-3538	80	6	in	in	ADP
fsr-3538	80	7	-	-	PUNCT
fsr-3538	80	8	person	person	NOUN
fsr-3538	80	9	classroom	classroom	NOUN
fsr-3538	80	10	-	-	PUNCT
fsr-3538	80	11	style	style	NOUN
fsr-3538	80	12	workshops	workshop	NOUN
fsr-3538	80	13	are	be	AUX
fsr-3538	80	14	most	most	ADV
fsr-3538	80	15	prevalent	prevalent	ADJ
fsr-3538	80	16	,	,	PUNCT
fsr-3538	80	17	technological	technological	ADJ
fsr-3538	80	18	advances	advance	NOUN
fsr-3538	80	19	have	have	AUX
fsr-3538	80	20	created	create	VERB
fsr-3538	80	21	online	online	ADJ
fsr-3538	80	22	financial	financial	ADJ
fsr-3538	80	23	education	education	NOUN
fsr-3538	80	24	opportunities	opportunity	NOUN
fsr-3538	80	25	in	in	ADP
fsr-3538	80	26	recent	recent	ADJ
fsr-3538	80	27	years	year	NOUN
fsr-3538	80	28	(	(	PUNCT
fsr-3538	80	29	kim	kim	PROPN
fsr-3538	80	30	,	,	PUNCT
fsr-3538	80	31	russell	russell	PROPN
fsr-3538	80	32	,	,	PUNCT
fsr-3538	80	33	&	&	CCONJ
fsr-3538	80	34	schroeder	schroeder	PROPN
fsr-3538	80	35	,	,	PUNCT
fsr-3538	80	36	2017	2017	NUM
fsr-3538	80	37	)	)	PUNCT
fsr-3538	80	38	.	.	PUNCT
fsr-3538	81	1	government	government	NOUN
fsr-3538	81	2	studies	study	NOUN
fsr-3538	81	3	,	,	PUNCT
fsr-3538	81	4	however	however	ADV
fsr-3538	81	5	,	,	PUNCT
fsr-3538	81	6	show	show	VERB
fsr-3538	81	7	that	that	SCONJ
fsr-3538	81	8	wolla	wolla	NOUN
fsr-3538	81	9	’s	’s	PART
fsr-3538	81	10	(	(	PUNCT
fsr-3538	81	11	2017	2017	NUM
fsr-3538	81	12	)	)	PUNCT
fsr-3538	81	13	findings	finding	NOUN
fsr-3538	81	14	are	be	AUX
fsr-3538	81	15	not	not	PART
fsr-3538	81	16	broadly	broadly	ADV
fsr-3538	81	17	applied	apply	VERB
fsr-3538	81	18	to	to	ADP
fsr-3538	81	19	all	all	DET
fsr-3538	81	20	schools	school	NOUN
fsr-3538	81	21	since	since	SCONJ
fsr-3538	81	22	most	most	ADJ
fsr-3538	81	23	of	of	ADP
fsr-3538	81	24	the	the	DET
fsr-3538	81	25	schools	school	NOUN
fsr-3538	81	26	do	do	AUX
fsr-3538	81	27	not	not	PART
fsr-3538	81	28	include	include	VERB
fsr-3538	81	29	online	online	ADJ
fsr-3538	81	30	modules	module	NOUN
fsr-3538	81	31	.	.	PUNCT
fsr-3538	82	1	while	while	SCONJ
fsr-3538	82	2	programs	program	NOUN
fsr-3538	82	3	such	such	ADJ
fsr-3538	82	4	as	as	ADP
fsr-3538	82	5	the	the	DET
fsr-3538	82	6	soar	soar	NOUN
fsr-3538	82	7	to	to	ADP
fsr-3538	82	8	savings	saving	NOUN
fsr-3538	82	9	online	online	ADJ
fsr-3538	82	10	module	module	NOUN
fsr-3538	82	11	are	be	AUX
fsr-3538	82	12	gaining	gain	VERB
fsr-3538	82	13	momentum	momentum	NOUN
fsr-3538	82	14	in	in	ADP
fsr-3538	82	15	high	high	ADJ
fsr-3538	82	16	schools	school	NOUN
fsr-3538	82	17	,	,	PUNCT
fsr-3538	82	18	authors	author	NOUN
fsr-3538	82	19	often	often	ADV
fsr-3538	82	20	omit	omit	VERB
fsr-3538	82	21	relevant	relevant	ADJ
fsr-3538	82	22	research	research	NOUN
fsr-3538	82	23	and	and	CCONJ
fsr-3538	82	24	theoretical	theoretical	ADJ
fsr-3538	82	25	frameworks	framework	NOUN
fsr-3538	82	26	to	to	PART
fsr-3538	82	27	develop	develop	VERB
fsr-3538	82	28	such	such	ADJ
fsr-3538	82	29	programs	program	NOUN
fsr-3538	82	30	.	.	PUNCT
fsr-3538	83	1	kim	kim	PROPN
fsr-3538	83	2	et	et	PROPN
fsr-3538	83	3	al	al	PROPN
fsr-3538	83	4	.	.	PROPN
fsr-3538	83	5	show	show	VERB
fsr-3538	83	6	an	an	DET
fsr-3538	83	7	imbalance	imbalance	NOUN
fsr-3538	83	8	of	of	ADP
fsr-3538	83	9	the	the	DET
fsr-3538	83	10	benefits	benefit	NOUN
fsr-3538	83	11	provided	provide	VERB
fsr-3538	83	12	by	by	ADP
fsr-3538	83	13	online	online	ADJ
fsr-3538	83	14	financial	financial	ADJ
fsr-3538	83	15	literacy	literacy	NOUN
fsr-3538	83	16	programs	program	NOUN
fsr-3538	83	17	.	.	PUNCT
fsr-3538	84	1	while	while	SCONJ
fsr-3538	84	2	wolla	wolla	NOUN
fsr-3538	84	3	(	(	PUNCT
fsr-3538	84	4	2017	2017	NUM
fsr-3538	84	5	)	)	PUNCT
fsr-3538	84	6	and	and	CCONJ
fsr-3538	84	7	panos	panos	PROPN
fsr-3538	84	8	and	and	CCONJ
fsr-3538	84	9	wilson	wilson	PROPN
fsr-3538	84	10	(	(	PUNCT
fsr-3538	84	11	2020	2020	NUM
fsr-3538	84	12	)	)	PUNCT
fsr-3538	84	13	show	show	VERB
fsr-3538	84	14	evidence	evidence	NOUN
fsr-3538	84	15	in	in	ADP
fsr-3538	84	16	favor	favor	NOUN
fsr-3538	84	17	of	of	ADP
fsr-3538	84	18	students	student	NOUN
fsr-3538	84	19	’	'	PUNCT
fsr-3538	84	20	increase	increase	NOUN
fsr-3538	84	21	in	in	ADP
fsr-3538	84	22	financial	financial	ADJ
fsr-3538	84	23	knowledge	knowledge	NOUN
fsr-3538	84	24	after	after	ADP
fsr-3538	84	25	financial	financial	ADJ
fsr-3538	84	26	literacy	literacy	NOUN
fsr-3538	84	27	programs	program	NOUN
fsr-3538	84	28	,	,	PUNCT
fsr-3538	84	29	other	other	ADJ
fsr-3538	84	30	studies	study	NOUN
fsr-3538	84	31	question	question	VERB
fsr-3538	84	32	the	the	DET
fsr-3538	84	33	172	172	NUM
fsr-3538	84	34	g.	g.	NOUN
fsr-3538	84	35	filbeck	filbeck	NOUN
fsr-3538	84	36	and	and	CCONJ
fsr-3538	84	37	x.	x.	NOUN
fsr-3538	84	38	zhao	zhao	PROPN
fsr-3538	84	39	/	/	SYM
fsr-3538	84	40	financial	financial	ADJ
fsr-3538	84	41	services	service	NOUN
fsr-3538	84	42	review	review	VERB
fsr-3538	84	43	31	31	NUM
fsr-3538	84	44	(	(	PUNCT
fsr-3538	84	45	2023	2023	NUM
fsr-3538	84	46	)	)	PUNCT
fsr-3538	84	47	169–196	169–196	NUM
fsr-3538	84	48	methodological	methodological	ADJ
fsr-3538	84	49	rigor	rigor	NOUN
fsr-3538	84	50	and	and	CCONJ
fsr-3538	84	51	whether	whether	SCONJ
fsr-3538	84	52	the	the	DET
fsr-3538	84	53	“	"	PUNCT
fsr-3538	84	54	improvement	improvement	NOUN
fsr-3538	84	55	”	"	PUNCT
fsr-3538	84	56	of	of	ADP
fsr-3538	84	57	student	student	NOUN
fsr-3538	84	58	knowledge	knowledge	NOUN
fsr-3538	84	59	diminishes	diminish	VERB
fsr-3538	84	60	over	over	ADP
fsr-3538	84	61	time	time	NOUN
fsr-3538	84	62	.	.	PUNCT
fsr-3538	85	1	kim	kim	PROPN
fsr-3538	85	2	et	et	PROPN
fsr-3538	85	3	al	al	PROPN
fsr-3538	85	4	.	.	PROPN
fsr-3538	86	1	(	(	PUNCT
fsr-3538	86	2	2017	2017	NUM
fsr-3538	86	3	)	)	PUNCT
fsr-3538	86	4	argue	argue	VERB
fsr-3538	86	5	that	that	SCONJ
fsr-3538	86	6	wolla	wolla	NOUN
fsr-3538	86	7	’s	’s	PART
fsr-3538	86	8	findings	finding	NOUN
fsr-3538	86	9	that	that	SCONJ
fsr-3538	86	10	programs	program	NOUN
fsr-3538	86	11	do	do	AUX
fsr-3538	86	12	not	not	PART
fsr-3538	86	13	adequately	adequately	ADV
fsr-3538	86	14	measure	measure	VERB
fsr-3538	86	15	the	the	DET
fsr-3538	86	16	students	student	NOUN
fsr-3538	86	17	’	’	PART
fsr-3538	86	18	knowledge	knowledge	NOUN
fsr-3538	86	19	retention	retention	NOUN
fsr-3538	86	20	after	after	SCONJ
fsr-3538	86	21	the	the	DET
fsr-3538	86	22	post	post	NOUN
fsr-3538	86	23	-	-	ADJ
fsr-3538	86	24	test	test	NOUN
fsr-3538	86	25	was	be	AUX
fsr-3538	86	26	completed	complete	VERB
fsr-3538	86	27	.	.	PUNCT
fsr-3538	87	1	a	a	DET
fsr-3538	87	2	key	key	ADJ
fsr-3538	87	3	implication	implication	NOUN
fsr-3538	87	4	described	describe	VERB
fsr-3538	87	5	by	by	ADP
fsr-3538	87	6	kim	kim	PROPN
fsr-3538	87	7	et	et	PROPN
fsr-3538	87	8	al	al	PROPN
fsr-3538	87	9	.	.	PROPN
fsr-3538	87	10	is	be	AUX
fsr-3538	87	11	that	that	SCONJ
fsr-3538	87	12	many	many	ADJ
fsr-3538	87	13	financial	financial	ADJ
fsr-3538	87	14	education	education	NOUN
fsr-3538	87	15	programs	program	NOUN
fsr-3538	87	16	,	,	PUNCT
fsr-3538	87	17	such	such	ADJ
fsr-3538	87	18	as	as	ADP
fsr-3538	87	19	soar	soar	NOUN
fsr-3538	87	20	to	to	ADP
fsr-3538	87	21	savings	saving	NOUN
fsr-3538	87	22	,	,	PUNCT
fsr-3538	87	23	lack	lack	VERB
fsr-3538	87	24	an	an	DET
fsr-3538	87	25	explicit	explicit	ADJ
fsr-3538	87	26	theory	theory	NOUN
fsr-3538	87	27	to	to	PART
fsr-3538	87	28	frame	frame	VERB
fsr-3538	87	29	information	information	NOUN
fsr-3538	87	30	delivery	delivery	NOUN
fsr-3538	87	31	.	.	PUNCT
fsr-3538	88	1	this	this	DET
fsr-3538	88	2	lack	lack	NOUN
fsr-3538	88	3	of	of	ADP
fsr-3538	88	4	framework	framework	NOUN
fsr-3538	88	5	explains	explain	VERB
fsr-3538	88	6	why	why	SCONJ
fsr-3538	88	7	students	student	NOUN
fsr-3538	88	8	lose	lose	VERB
fsr-3538	88	9	retention	retention	NOUN
fsr-3538	88	10	of	of	ADP
fsr-3538	88	11	learned	learn	VERB
fsr-3538	88	12	financial	financial	ADJ
fsr-3538	88	13	concepts	concept	NOUN
fsr-3538	88	14	over	over	ADP
fsr-3538	88	15	time	time	NOUN
fsr-3538	88	16	.	.	PUNCT
fsr-3538	89	1	technology	technology	NOUN
fsr-3538	89	2	is	be	AUX
fsr-3538	89	3	integrated	integrate	VERB
fsr-3538	89	4	into	into	ADP
fsr-3538	89	5	everyday	everyday	ADJ
fsr-3538	89	6	life	life	NOUN
fsr-3538	89	7	,	,	PUNCT
fsr-3538	89	8	and	and	CCONJ
fsr-3538	89	9	offering	offer	VERB
fsr-3538	89	10	online	online	ADJ
fsr-3538	89	11	financial	financial	ADJ
fsr-3538	89	12	education	education	NOUN
fsr-3538	89	13	may	may	AUX
fsr-3538	89	14	offer	offer	VERB
fsr-3538	89	15	alternative	alternative	ADJ
fsr-3538	89	16	and	and	CCONJ
fsr-3538	89	17	innovative	innovative	ADJ
fsr-3538	89	18	ways	way	NOUN
fsr-3538	89	19	to	to	PART
fsr-3538	89	20	reach	reach	VERB
fsr-3538	89	21	broader	broad	ADJ
fsr-3538	89	22	audiences	audience	NOUN
fsr-3538	89	23	.	.	PUNCT
fsr-3538	90	1	however	however	ADV
fsr-3538	90	2	,	,	PUNCT
fsr-3538	90	3	this	this	DET
fsr-3538	90	4	process	process	NOUN
fsr-3538	90	5	requires	require	VERB
fsr-3538	90	6	more	more	ADJ
fsr-3538	90	7	than	than	ADP
fsr-3538	90	8	just	just	ADV
fsr-3538	90	9	publishing	publish	VERB
fsr-3538	90	10	previously	previously	ADV
fsr-3538	90	11	printed	print	VERB
fsr-3538	90	12	materials	material	NOUN
fsr-3538	90	13	online	online	ADV
fsr-3538	90	14	.	.	PUNCT
fsr-3538	91	1	financial	financial	ADJ
fsr-3538	91	2	educators	educator	NOUN
fsr-3538	91	3	and	and	CCONJ
fsr-3538	91	4	practitioners	practitioner	NOUN
fsr-3538	91	5	should	should	AUX
fsr-3538	91	6	design	design	VERB
fsr-3538	91	7	effective	effective	ADJ
fsr-3538	91	8	and	and	CCONJ
fsr-3538	91	9	interactive	interactive	ADJ
fsr-3538	91	10	online	online	ADJ
fsr-3538	91	11	programs	program	NOUN
fsr-3538	91	12	and	and	CCONJ
fsr-3538	91	13	tools	tool	NOUN
fsr-3538	91	14	that	that	PRON
fsr-3538	91	15	build	build	VERB
fsr-3538	91	16	knowledge	knowledge	NOUN
fsr-3538	91	17	,	,	PUNCT
fsr-3538	91	18	facilitate	facilitate	VERB
fsr-3538	91	19	improved	improve	VERB
fsr-3538	91	20	financial	financial	ADJ
fsr-3538	91	21	decision	decision	NOUN
fsr-3538	91	22	-	-	PUNCT
fsr-3538	91	23	making	making	NOUN
fsr-3538	91	24	,	,	PUNCT
fsr-3538	91	25	and	and	CCONJ
fsr-3538	91	26	foster	foster	ADJ
fsr-3538	91	27	positive	positive	ADJ
fsr-3538	91	28	behavior	behavior	NOUN
fsr-3538	91	29	change	change	NOUN
fsr-3538	91	30	.	.	PUNCT
fsr-3538	92	1	kim	kim	PROPN
fsr-3538	92	2	et	et	PROPN
fsr-3538	92	3	al	al	PROPN
fsr-3538	92	4	.	.	PROPN
fsr-3538	93	1	(	(	PUNCT
fsr-3538	93	2	2017	2017	NUM
fsr-3538	93	3	)	)	PUNCT
fsr-3538	93	4	provide	provide	VERB
fsr-3538	93	5	several	several	ADJ
fsr-3538	93	6	recommendations	recommendation	NOUN
fsr-3538	93	7	to	to	PART
fsr-3538	93	8	incorporate	incorporate	VERB
fsr-3538	93	9	financial	financial	ADJ
fsr-3538	93	10	concepts	concept	NOUN
fsr-3538	93	11	into	into	ADP
fsr-3538	93	12	the	the	DET
fsr-3538	93	13	school	school	NOUN
fsr-3538	93	14	curriculum	curriculum	NOUN
fsr-3538	93	15	.	.	PUNCT
fsr-3538	94	1	first	first	ADV
fsr-3538	94	2	,	,	PUNCT
fsr-3538	94	3	teachers	teacher	NOUN
fsr-3538	94	4	can	can	AUX
fsr-3538	94	5	use	use	VERB
fsr-3538	94	6	online	online	ADJ
fsr-3538	94	7	tools	tool	NOUN
fsr-3538	94	8	and	and	CCONJ
fsr-3538	94	9	resources	resource	NOUN
fsr-3538	94	10	to	to	PART
fsr-3538	94	11	extend	extend	VERB
fsr-3538	94	12	in	in	ADP
fsr-3538	94	13	-	-	PUNCT
fsr-3538	94	14	person	person	NOUN
fsr-3538	94	15	educational	educational	ADJ
fsr-3538	94	16	encounters	encounter	NOUN
fsr-3538	94	17	by	by	ADP
fsr-3538	94	18	allowing	allow	VERB
fsr-3538	94	19	for	for	ADP
fsr-3538	94	20	more	more	ADJ
fsr-3538	94	21	flexibility	flexibility	NOUN
fsr-3538	94	22	and	and	CCONJ
fsr-3538	94	23	frequency	frequency	NOUN
fsr-3538	94	24	between	between	ADP
fsr-3538	94	25	student	student	NOUN
fsr-3538	94	26	and	and	CCONJ
fsr-3538	94	27	teacher	teacher	NOUN
fsr-3538	94	28	.	.	PUNCT
fsr-3538	95	1	these	these	DET
fsr-3538	95	2	digital	digital	ADJ
fsr-3538	95	3	resources	resource	NOUN
fsr-3538	95	4	can	can	AUX
fsr-3538	95	5	provide	provide	VERB
fsr-3538	95	6	a	a	DET
fsr-3538	95	7	more	more	ADV
fsr-3538	95	8	accessible	accessible	ADJ
fsr-3538	95	9	way	way	NOUN
fsr-3538	95	10	for	for	SCONJ
fsr-3538	95	11	students	student	NOUN
fsr-3538	95	12	to	to	PART
fsr-3538	95	13	get	get	AUX
fsr-3538	95	14	involved	involve	VERB
fsr-3538	95	15	in	in	ADP
fsr-3538	95	16	the	the	DET
fsr-3538	95	17	program	program	NOUN
fsr-3538	95	18	.	.	PUNCT
fsr-3538	96	1	educators	educator	NOUN
fsr-3538	96	2	can	can	AUX
fsr-3538	96	3	also	also	ADV
fsr-3538	96	4	create	create	VERB
fsr-3538	96	5	websites	website	NOUN
fsr-3538	96	6	that	that	PRON
fsr-3538	96	7	offer	offer	VERB
fsr-3538	96	8	tools	tool	NOUN
fsr-3538	96	9	,	,	PUNCT
fsr-3538	96	10	lectures	lecture	NOUN
fsr-3538	96	11	,	,	PUNCT
fsr-3538	96	12	webinars	webinar	NOUN
fsr-3538	96	13	,	,	PUNCT
fsr-3538	96	14	videos	video	NOUN
fsr-3538	96	15	,	,	PUNCT
fsr-3538	96	16	downloadable	downloadable	ADJ
fsr-3538	96	17	documents	document	NOUN
fsr-3538	96	18	,	,	PUNCT
fsr-3538	96	19	activities	activity	NOUN
fsr-3538	96	20	,	,	PUNCT
fsr-3538	96	21	worksheets	worksheet	NOUN
fsr-3538	96	22	,	,	PUNCT
fsr-3538	96	23	and	and	CCONJ
fsr-3538	96	24	other	other	ADJ
fsr-3538	96	25	resources	resource	NOUN
fsr-3538	96	26	for	for	ADP
fsr-3538	96	27	“	"	PUNCT
fsr-3538	96	28	ondemand	ondemand	NOUN
fsr-3538	96	29	”	"	PUNCT
fsr-3538	96	30	learning	learning	NOUN
fsr-3538	96	31	,	,	PUNCT
fsr-3538	96	32	which	which	PRON
fsr-3538	96	33	would	would	AUX
fsr-3538	96	34	be	be	AUX
fsr-3538	96	35	especially	especially	ADV
fsr-3538	96	36	useful	useful	ADJ
fsr-3538	96	37	for	for	ADP
fsr-3538	96	38	schools	school	NOUN
fsr-3538	96	39	that	that	PRON
fsr-3538	96	40	offer	offer	VERB
fsr-3538	96	41	financial	financial	ADJ
fsr-3538	96	42	education	education	NOUN
fsr-3538	96	43	programs	program	NOUN
fsr-3538	96	44	as	as	ADP
fsr-3538	96	45	an	an	DET
fsr-3538	96	46	extracurricular	extracurricular	ADJ
fsr-3538	96	47	activity	activity	NOUN
fsr-3538	96	48	.	.	PUNCT
fsr-3538	97	1	second	second	ADJ
fsr-3538	97	2	,	,	PUNCT
fsr-3538	97	3	standalone	standalone	ADJ
fsr-3538	97	4	online	online	ADJ
fsr-3538	97	5	educational	educational	ADJ
fsr-3538	97	6	programs	program	NOUN
fsr-3538	97	7	should	should	AUX
fsr-3538	97	8	be	be	AUX
fsr-3538	97	9	tailored	tailor	VERB
fsr-3538	97	10	to	to	ADP
fsr-3538	97	11	specific	specific	ADJ
fsr-3538	97	12	financial	financial	ADJ
fsr-3538	97	13	behaviors	behavior	NOUN
fsr-3538	97	14	and	and	CCONJ
fsr-3538	97	15	audiences	audience	NOUN
fsr-3538	97	16	.	.	PUNCT
fsr-3538	98	1	targeted	target	VERB
fsr-3538	98	2	programs	program	NOUN
fsr-3538	98	3	(	(	PUNCT
fsr-3538	98	4	e.g.	e.g.	ADV
fsr-3538	98	5	,	,	PUNCT
fsr-3538	98	6	programs	program	NOUN
fsr-3538	98	7	derived	derive	VERB
fsr-3538	98	8	from	from	ADP
fsr-3538	98	9	surveys	survey	NOUN
fsr-3538	98	10	of	of	ADP
fsr-3538	98	11	student	student	NOUN
fsr-3538	98	12	populations	population	NOUN
fsr-3538	98	13	or	or	CCONJ
fsr-3538	98	14	social	social	ADJ
fsr-3538	98	15	media	medium	NOUN
fsr-3538	98	16	campaigns	campaign	NOUN
fsr-3538	98	17	for	for	ADP
fsr-3538	98	18	specific	specific	ADJ
fsr-3538	98	19	user	user	NOUN
fsr-3538	98	20	groups	group	NOUN
fsr-3538	98	21	)	)	PUNCT
fsr-3538	98	22	may	may	AUX
fsr-3538	98	23	be	be	AUX
fsr-3538	98	24	more	more	ADV
fsr-3538	98	25	effective	effective	ADJ
fsr-3538	98	26	than	than	ADP
fsr-3538	98	27	general	general	ADJ
fsr-3538	98	28	financial	financial	ADJ
fsr-3538	98	29	education	education	NOUN
fsr-3538	98	30	.	.	PUNCT
fsr-3538	99	1	third	third	ADJ
fsr-3538	99	2	,	,	PUNCT
fsr-3538	99	3	multiple	multiple	ADJ
fsr-3538	99	4	modalities	modality	NOUN
fsr-3538	99	5	such	such	ADJ
fsr-3538	99	6	as	as	ADP
fsr-3538	99	7	blogs	blog	NOUN
fsr-3538	99	8	,	,	PUNCT
fsr-3538	99	9	online	online	ADJ
fsr-3538	99	10	games	game	NOUN
fsr-3538	99	11	,	,	PUNCT
fsr-3538	99	12	chatrooms	chatroom	NOUN
fsr-3538	99	13	,	,	PUNCT
fsr-3538	99	14	and	and	CCONJ
fsr-3538	99	15	smartphone	smartphone	NOUN
fsr-3538	99	16	apps	app	NOUN
fsr-3538	99	17	could	could	AUX
fsr-3538	99	18	be	be	AUX
fsr-3538	99	19	employed	employ	VERB
fsr-3538	99	20	by	by	ADP
fsr-3538	99	21	teachers	teacher	NOUN
fsr-3538	99	22	to	to	PART
fsr-3538	99	23	accommodate	accommodate	VERB
fsr-3538	99	24	a	a	DET
fsr-3538	99	25	range	range	NOUN
fsr-3538	99	26	of	of	ADP
fsr-3538	99	27	various	various	ADJ
fsr-3538	99	28	learning	learning	NOUN
fsr-3538	99	29	styles	style	NOUN
fsr-3538	99	30	,	,	PUNCT
fsr-3538	99	31	which	which	PRON
fsr-3538	99	32	should	should	AUX
fsr-3538	99	33	increase	increase	VERB
fsr-3538	99	34	students	student	NOUN
fsr-3538	99	35	’	'	PUNCT
fsr-3538	99	36	overall	overall	ADJ
fsr-3538	99	37	engagement	engagement	NOUN
fsr-3538	99	38	with	with	ADP
fsr-3538	99	39	the	the	DET
fsr-3538	99	40	program	program	NOUN
fsr-3538	99	41	.	.	PUNCT
fsr-3538	100	1	fourth	fourth	ADJ
fsr-3538	100	2	,	,	PUNCT
fsr-3538	100	3	educators	educator	NOUN
fsr-3538	100	4	should	should	AUX
fsr-3538	100	5	structure	structure	VERB
fsr-3538	100	6	programs	program	NOUN
fsr-3538	100	7	with	with	ADP
fsr-3538	100	8	reminders	reminder	NOUN
fsr-3538	100	9	,	,	PUNCT
fsr-3538	100	10	alerts	alert	NOUN
fsr-3538	100	11	,	,	PUNCT
fsr-3538	100	12	and	and	CCONJ
fsr-3538	100	13	prompts	prompt	NOUN
fsr-3538	100	14	to	to	PART
fsr-3538	100	15	help	help	VERB
fsr-3538	100	16	students	student	NOUN
fsr-3538	100	17	monitor	monitor	VERB
fsr-3538	100	18	their	their	PRON
fsr-3538	100	19	progress	progress	NOUN
fsr-3538	100	20	and	and	CCONJ
fsr-3538	100	21	keep	keep	VERB
fsr-3538	100	22	them	they	PRON
fsr-3538	100	23	engaged	engage	VERB
fsr-3538	100	24	throughout	throughout	ADP
fsr-3538	100	25	the	the	DET
fsr-3538	100	26	program	program	NOUN
fsr-3538	100	27	’s	’s	PART
fsr-3538	100	28	entire	entire	ADJ
fsr-3538	100	29	duration	duration	NOUN
fsr-3538	100	30	.	.	PUNCT
fsr-3538	101	1	cameron	cameron	PROPN
fsr-3538	101	2	,	,	PUNCT
fsr-3538	101	3	calderwood	calderwood	PROPN
fsr-3538	101	4	,	,	PUNCT
fsr-3538	101	5	cox	cox	PROPN
fsr-3538	101	6	,	,	PUNCT
fsr-3538	101	7	lim	lim	PROPN
fsr-3538	101	8	,	,	PUNCT
fsr-3538	101	9	and	and	CCONJ
fsr-3538	101	10	yamaoka	yamaoka	PROPN
fsr-3538	101	11	(	(	PUNCT
fsr-3538	101	12	2014	2014	NUM
fsr-3538	101	13	)	)	PUNCT
fsr-3538	101	14	suggest	suggest	VERB
fsr-3538	101	15	that	that	SCONJ
fsr-3538	101	16	younger	young	ADJ
fsr-3538	101	17	generations	generation	NOUN
fsr-3538	101	18	are	be	AUX
fsr-3538	101	19	poorly	poorly	ADV
fsr-3538	101	20	prepared	prepared	ADJ
fsr-3538	101	21	for	for	ADP
fsr-3538	101	22	making	make	VERB
fsr-3538	101	23	potentially	potentially	ADV
fsr-3538	101	24	life	life	NOUN
fsr-3538	101	25	-	-	PUNCT
fsr-3538	101	26	changing	change	VERB
fsr-3538	101	27	financial	financial	ADJ
fsr-3538	101	28	decisions	decision	NOUN
fsr-3538	101	29	.	.	PUNCT
fsr-3538	102	1	the	the	DET
fsr-3538	102	2	previous	previous	ADJ
fsr-3538	102	3	research	research	NOUN
fsr-3538	102	4	provides	provide	VERB
fsr-3538	102	5	multiple	multiple	ADJ
fsr-3538	102	6	opportunities	opportunity	NOUN
fsr-3538	102	7	to	to	PART
fsr-3538	102	8	enhance	enhance	VERB
fsr-3538	102	9	financial	financial	ADJ
fsr-3538	102	10	education	education	NOUN
fsr-3538	102	11	programs	program	NOUN
fsr-3538	102	12	to	to	PART
fsr-3538	102	13	increase	increase	VERB
fsr-3538	102	14	individuals	individual	NOUN
fsr-3538	102	15	’	'	PUNCT
fsr-3538	102	16	overall	overall	ADJ
fsr-3538	102	17	financial	financial	ADJ
fsr-3538	102	18	literacy	literacy	NOUN
fsr-3538	102	19	knowledge	knowledge	NOUN
fsr-3538	102	20	.	.	PUNCT
fsr-3538	103	1	however	however	ADV
fsr-3538	103	2	,	,	PUNCT
fsr-3538	103	3	the	the	DET
fsr-3538	103	4	most	most	ADV
fsr-3538	103	5	notable	notable	ADJ
fsr-3538	103	6	two	two	NUM
fsr-3538	103	7	findings	finding	NOUN
fsr-3538	103	8	are	be	AUX
fsr-3538	103	9	related	relate	VERB
fsr-3538	103	10	to	to	ADP
fsr-3538	103	11	the	the	DET
fsr-3538	103	12	modality	modality	NOUN
fsr-3538	103	13	(	(	PUNCT
fsr-3538	103	14	online	online	ADJ
fsr-3538	103	15	/	/	SYM
fsr-3538	103	16	hybrid	hybrid	NOUN
fsr-3538	103	17	vs.	vs.	X
fsr-3538	103	18	in	in	ADP
fsr-3538	103	19	-	-	PUNCT
fsr-3538	103	20	person	person	NOUN
fsr-3538	103	21	)	)	PUNCT
fsr-3538	103	22	and	and	CCONJ
fsr-3538	103	23	the	the	DET
fsr-3538	103	24	program	program	NOUN
fsr-3538	103	25	’s	’s	PART
fsr-3538	103	26	length	length	NOUN
fsr-3538	103	27	.	.	PUNCT
fsr-3538	104	1	first	first	ADV
fsr-3538	104	2	,	,	PUNCT
fsr-3538	104	3	assuming	assume	VERB
fsr-3538	104	4	the	the	DET
fsr-3538	104	5	research	research	NOUN
fsr-3538	104	6	discussed	discuss	VERB
fsr-3538	104	7	remains	remain	VERB
fsr-3538	104	8	true	true	ADJ
fsr-3538	104	9	,	,	PUNCT
fsr-3538	104	10	individuals	individual	NOUN
fsr-3538	104	11	enrolled	enrol	VERB
fsr-3538	104	12	in	in	ADP
fsr-3538	104	13	more	more	ADV
fsr-3538	104	14	extended	extended	ADJ
fsr-3538	104	15	financial	financial	ADJ
fsr-3538	104	16	education	education	NOUN
fsr-3538	104	17	programs	program	NOUN
fsr-3538	104	18	tend	tend	VERB
fsr-3538	104	19	to	to	PART
fsr-3538	104	20	retain	retain	VERB
fsr-3538	104	21	more	more	ADJ
fsr-3538	104	22	concepts	concept	NOUN
fsr-3538	104	23	as	as	ADP
fsr-3538	104	24	time	time	NOUN
fsr-3538	104	25	passes	pass	NOUN
fsr-3538	104	26	.	.	PUNCT
fsr-3538	105	1	continual	continual	ADJ
fsr-3538	105	2	education	education	NOUN
fsr-3538	105	3	improves	improve	VERB
fsr-3538	105	4	students	student	NOUN
fsr-3538	105	5	’	'	PUNCT
fsr-3538	105	6	cognitive	cognitive	ADJ
fsr-3538	105	7	understanding	understanding	NOUN
fsr-3538	105	8	and	and	CCONJ
fsr-3538	105	9	increases	increase	VERB
fsr-3538	105	10	their	their	PRON
fsr-3538	105	11	financial	financial	ADJ
fsr-3538	105	12	attitude	attitude	NOUN
fsr-3538	105	13	and	and	CCONJ
fsr-3538	105	14	application	application	NOUN
fsr-3538	105	15	of	of	ADP
fsr-3538	105	16	financial	financial	ADJ
fsr-3538	105	17	concepts	concept	NOUN
fsr-3538	105	18	with	with	ADP
fsr-3538	105	19	everyday	everyday	ADJ
fsr-3538	105	20	life	life	NOUN
fsr-3538	105	21	.	.	PUNCT
fsr-3538	106	1	secondly	secondly	ADV
fsr-3538	106	2	,	,	PUNCT
fsr-3538	106	3	newer	new	ADJ
fsr-3538	106	4	research	research	NOUN
fsr-3538	106	5	conducted	conduct	VERB
fsr-3538	106	6	by	by	ADP
fsr-3538	106	7	panos	pano	NOUN
fsr-3538	106	8	and	and	CCONJ
fsr-3538	106	9	wilson	wilson	PROPN
fsr-3538	106	10	(	(	PUNCT
fsr-3538	106	11	2020	2020	NUM
fsr-3538	106	12	)	)	PUNCT
fsr-3538	106	13	,	,	PUNCT
fsr-3538	106	14	wolla	wolla	NOUN
fsr-3538	106	15	(	(	PUNCT
fsr-3538	106	16	2017	2017	NUM
fsr-3538	106	17	)	)	PUNCT
fsr-3538	106	18	,	,	PUNCT
fsr-3538	106	19	and	and	CCONJ
fsr-3538	106	20	kim	kim	PROPN
fsr-3538	106	21	et	et	PROPN
fsr-3538	106	22	al	al	PROPN
fsr-3538	106	23	.	.	PROPN
fsr-3538	107	1	(	(	PUNCT
fsr-3538	107	2	2017	2017	NUM
fsr-3538	107	3	)	)	PUNCT
fsr-3538	107	4	shows	show	VERB
fsr-3538	107	5	that	that	SCONJ
fsr-3538	107	6	online	online	ADJ
fsr-3538	107	7	modules	module	NOUN
fsr-3538	107	8	are	be	AUX
fsr-3538	107	9	effective	effective	ADJ
fsr-3538	107	10	in	in	ADP
fsr-3538	107	11	increasing	increase	VERB
fsr-3538	107	12	students	student	NOUN
fsr-3538	107	13	’	'	PUNCT
fsr-3538	107	14	short	short	ADJ
fsr-3538	107	15	-	-	PUNCT
fsr-3538	107	16	term	term	NOUN
fsr-3538	107	17	financial	financial	ADJ
fsr-3538	107	18	literacy	literacy	NOUN
fsr-3538	107	19	.	.	PUNCT
fsr-3538	108	1	although	although	SCONJ
fsr-3538	108	2	each	each	DET
fsr-3538	108	3	question	question	NOUN
fsr-3538	108	4	whether	whether	SCONJ
fsr-3538	108	5	the	the	DET
fsr-3538	108	6	modules	module	NOUN
fsr-3538	108	7	have	have	VERB
fsr-3538	108	8	a	a	DET
fsr-3538	108	9	lasting	last	VERB
fsr-3538	108	10	impact	impact	NOUN
fsr-3538	108	11	on	on	ADP
fsr-3538	108	12	their	their	PRON
fsr-3538	108	13	financial	financial	ADJ
fsr-3538	108	14	cognitive	cognitive	ADJ
fsr-3538	108	15	ability	ability	NOUN
fsr-3538	108	16	similar	similar	ADJ
fsr-3538	108	17	to	to	ADP
fsr-3538	108	18	what	what	PRON
fsr-3538	108	19	in	in	ADP
fsr-3538	108	20	-	-	PUNCT
fsr-3538	108	21	person	person	NOUN
fsr-3538	108	22	education	education	NOUN
fsr-3538	108	23	programs	program	NOUN
fsr-3538	108	24	show	show	VERB
fsr-3538	108	25	.	.	PUNCT
fsr-3538	109	1	therefore	therefore	ADV
fsr-3538	109	2	,	,	PUNCT
fsr-3538	109	3	creating	create	VERB
fsr-3538	109	4	more	more	ADV
fsr-3538	109	5	extended	extended	ADJ
fsr-3538	109	6	financial	financial	ADJ
fsr-3538	109	7	education	education	NOUN
fsr-3538	109	8	programs	program	NOUN
fsr-3538	109	9	with	with	ADP
fsr-3538	109	10	the	the	DET
fsr-3538	109	11	flexibility	flexibility	NOUN
fsr-3538	109	12	of	of	ADP
fsr-3538	109	13	in	in	ADP
fsr-3538	109	14	-	-	PUNCT
fsr-3538	109	15	person	person	NOUN
fsr-3538	109	16	or	or	CCONJ
fsr-3538	109	17	online	online	ADJ
fsr-3538	109	18	modules	module	NOUN
fsr-3538	109	19	can	can	AUX
fsr-3538	109	20	provide	provide	VERB
fsr-3538	109	21	the	the	DET
fsr-3538	109	22	most	most	ADV
fsr-3538	109	23	efficient	efficient	ADJ
fsr-3538	109	24	form	form	NOUN
fsr-3538	109	25	of	of	ADP
fsr-3538	109	26	increasing	increase	VERB
fsr-3538	109	27	students	student	NOUN
fsr-3538	109	28	’	'	PUNCT
fsr-3538	109	29	overall	overall	ADJ
fsr-3538	109	30	financial	financial	ADJ
fsr-3538	109	31	attitude	attitude	NOUN
fsr-3538	109	32	,	,	PUNCT
fsr-3538	109	33	behavior	behavior	NOUN
fsr-3538	109	34	,	,	PUNCT
fsr-3538	109	35	and	and	CCONJ
fsr-3538	109	36	literacy	literacy	NOUN
fsr-3538	109	37	.	.	PUNCT
fsr-3538	110	1	in	in	ADP
fsr-3538	110	2	this	this	DET
fsr-3538	110	3	study	study	NOUN
fsr-3538	110	4	,	,	PUNCT
fsr-3538	110	5	we	we	PRON
fsr-3538	110	6	investigate	investigate	VERB
fsr-3538	110	7	two	two	NUM
fsr-3538	110	8	issues	issue	NOUN
fsr-3538	110	9	:	:	PUNCT
fsr-3538	110	10	first	first	ADV
fsr-3538	110	11	,	,	PUNCT
fsr-3538	110	12	we	we	PRON
fsr-3538	110	13	compare	compare	VERB
fsr-3538	110	14	the	the	DET
fsr-3538	110	15	effectiveness	effectiveness	NOUN
fsr-3538	110	16	of	of	ADP
fsr-3538	110	17	the	the	DET
fsr-3538	110	18	cfa	cfa	PROPN
fsr-3538	110	19	society	society	PROPN
fsr-3538	110	20	pittsburgh	pittsburgh	PROPN
fsr-3538	110	21	’s	’s	PART
fsr-3538	110	22	financial	financial	ADJ
fsr-3538	110	23	literacy	literacy	NOUN
fsr-3538	110	24	program	program	NOUN
fsr-3538	110	25	under	under	ADP
fsr-3538	110	26	a	a	DET
fsr-3538	110	27	model	model	NOUN
fsr-3538	110	28	of	of	ADP
fsr-3538	110	29	in	in	ADP
fsr-3538	110	30	-	-	PUNCT
fsr-3538	110	31	person	person	NOUN
fsr-3538	110	32	instruction	instruction	NOUN
fsr-3538	110	33	g.	g.	NOUN
fsr-3538	110	34	filbeck	filbeck	NOUN
fsr-3538	110	35	and	and	CCONJ
fsr-3538	110	36	x.	x.	NOUN
fsr-3538	110	37	zhao	zhao	PROPN
fsr-3538	110	38	/	/	SYM
fsr-3538	110	39	financial	financial	ADJ
fsr-3538	110	40	services	service	NOUN
fsr-3538	110	41	review	review	VERB
fsr-3538	110	42	31	31	NUM
fsr-3538	110	43	(	(	PUNCT
fsr-3538	110	44	2023	2023	NUM
fsr-3538	110	45	)	)	PUNCT
fsr-3538	110	46	169–196	169–196	NUM
fsr-3538	110	47	173	173	NUM
fsr-3538	110	48	(	(	PUNCT
fsr-3538	110	49	2017–2019	2017–2019	NUM
fsr-3538	110	50	)	)	PUNCT
fsr-3538	110	51	and	and	CCONJ
fsr-3538	110	52	virtual	virtual	ADJ
fsr-3538	110	53	/	/	SYM
fsr-3538	110	54	hybrid	hybrid	NOUN
fsr-3538	110	55	instruction	instruction	NOUN
fsr-3538	110	56	(	(	PUNCT
fsr-3538	110	57	2020	2020	NUM
fsr-3538	110	58	-	-	SYM
fsr-3538	110	59	2021	2021	NUM
fsr-3538	110	60	)	)	PUNCT
fsr-3538	110	61	.	.	PUNCT
fsr-3538	111	1	second	second	ADV
fsr-3538	111	2	,	,	PUNCT
fsr-3538	111	3	we	we	PRON
fsr-3538	111	4	explore	explore	VERB
fsr-3538	111	5	whether	whether	SCONJ
fsr-3538	111	6	gender	gender	NOUN
fsr-3538	111	7	differences	difference	NOUN
fsr-3538	111	8	exist	exist	VERB
fsr-3538	111	9	in	in	ADP
fsr-3538	111	10	in	in	ADP
fsr-3538	111	11	-	-	PUNCT
fsr-3538	111	12	person	person	NOUN
fsr-3538	111	13	versus	versus	ADP
fsr-3538	111	14	virtual	virtual	ADJ
fsr-3538	111	15	/	/	SYM
fsr-3538	111	16	hybrid	hybrid	NOUN
fsr-3538	111	17	instruction	instruction	NOUN
fsr-3538	111	18	effectiveness	effectiveness	NOUN
fsr-3538	111	19	.	.	PUNCT
fsr-3538	112	1	we	we	PRON
fsr-3538	112	2	create	create	VERB
fsr-3538	112	3	preand	preand	NOUN
fsr-3538	112	4	post	post	NOUN
fsr-3538	112	5	-	-	NOUN
fsr-3538	112	6	surveys	survey	NOUN
fsr-3538	112	7	to	to	PART
fsr-3538	112	8	assess	assess	VERB
fsr-3538	112	9	four	four	NUM
fsr-3538	112	10	key	key	ADJ
fsr-3538	112	11	factors	factor	NOUN
fsr-3538	112	12	of	of	ADP
fsr-3538	112	13	financial	financial	ADJ
fsr-3538	112	14	success	success	NOUN
fsr-3538	112	15	:	:	PUNCT
fsr-3538	112	16	self	self	NOUN
fsr-3538	112	17	-	-	PUNCT
fsr-3538	112	18	esteem	esteem	NOUN
fsr-3538	112	19	,	,	PUNCT
fsr-3538	112	20	perceived	perceive	VERB
fsr-3538	112	21	(	(	PUNCT
fsr-3538	112	22	subjective	subjective	ADJ
fsr-3538	112	23	)	)	PUNCT
fsr-3538	112	24	knowledge	knowledge	NOUN
fsr-3538	112	25	,	,	PUNCT
fsr-3538	112	26	behavior	behavior	NOUN
fsr-3538	112	27	,	,	PUNCT
fsr-3538	112	28	and	and	CCONJ
fsr-3538	112	29	objective	objective	ADJ
fsr-3538	112	30	numeracy	numeracy	NOUN
fsr-3538	112	31	.	.	PUNCT
fsr-3538	113	1	the	the	DET
fsr-3538	113	2	surveys	survey	NOUN
fsr-3538	113	3	reflect	reflect	VERB
fsr-3538	113	4	the	the	DET
fsr-3538	113	5	work	work	NOUN
fsr-3538	113	6	of	of	ADP
fsr-3538	113	7	filbeck	filbeck	NOUN
fsr-3538	113	8	,	,	PUNCT
fsr-3538	113	9	zhao	zhao	NOUN
fsr-3538	113	10	,	,	PUNCT
fsr-3538	113	11	and	and	CCONJ
fsr-3538	113	12	pettner	pettner	NOUN
fsr-3538	113	13	(	(	PUNCT
fsr-3538	113	14	2020	2020	NUM
fsr-3538	113	15	)	)	PUNCT
fsr-3538	113	16	,	,	PUNCT
fsr-3538	113	17	which	which	PRON
fsr-3538	113	18	were	be	AUX
fsr-3538	113	19	motivated	motivate	VERB
fsr-3538	113	20	by	by	ADP
fsr-3538	113	21	previous	previous	ADJ
fsr-3538	113	22	works	work	NOUN
fsr-3538	113	23	by	by	ADP
fsr-3538	113	24	lusardi	lusardi	PROPN
fsr-3538	113	25	and	and	CCONJ
fsr-3538	113	26	mitchell	mitchell	PROPN
fsr-3538	113	27	(	(	PUNCT
fsr-3538	113	28	2008	2008	NUM
fsr-3538	113	29	,	,	PUNCT
fsr-3538	113	30	2011	2011	NUM
fsr-3538	113	31	)	)	PUNCT
fsr-3538	113	32	and	and	CCONJ
fsr-3538	113	33	lusardi	lusardi	PROPN
fsr-3538	113	34	,	,	PUNCT
fsr-3538	113	35	mitchell	mitchell	PROPN
fsr-3538	113	36	,	,	PUNCT
fsr-3538	113	37	and	and	CCONJ
fsr-3538	113	38	curto	curto	PROPN
fsr-3538	113	39	(	(	PUNCT
fsr-3538	113	40	2010	2010	NUM
fsr-3538	113	41	)	)	PUNCT
fsr-3538	113	42	.	.	PUNCT
fsr-3538	114	1	the	the	DET
fsr-3538	114	2	in	in	ADP
fsr-3538	114	3	-	-	PUNCT
fsr-3538	114	4	person	person	NOUN
fsr-3538	114	5	instruction	instruction	NOUN
fsr-3538	114	6	data	datum	NOUN
fsr-3538	114	7	are	be	AUX
fsr-3538	114	8	collected	collect	VERB
fsr-3538	114	9	during	during	ADP
fsr-3538	114	10	2017	2017	NUM
fsr-3538	114	11	-	-	SYM
fsr-3538	114	12	2019	2019	NUM
fsr-3538	114	13	,	,	PUNCT
fsr-3538	114	14	while	while	SCONJ
fsr-3538	114	15	the	the	DET
fsr-3538	114	16	virtual	virtual	ADJ
fsr-3538	114	17	/	/	SYM
fsr-3538	114	18	hybrid	hybrid	NOUN
fsr-3538	114	19	instruction	instruction	NOUN
fsr-3538	114	20	data	datum	NOUN
fsr-3538	114	21	are	be	AUX
fsr-3538	114	22	during	during	ADP
fsr-3538	114	23	2020	2020	NUM
fsr-3538	114	24	-	-	SYM
fsr-3538	114	25	2021	2021	NUM
fsr-3538	114	26	.	.	PUNCT
fsr-3538	115	1	this	this	DET
fsr-3538	115	2	paper	paper	NOUN
fsr-3538	115	3	extends	extend	VERB
fsr-3538	115	4	work	work	NOUN
fsr-3538	115	5	done	do	VERB
fsr-3538	115	6	by	by	ADP
fsr-3538	115	7	filbeck	filbeck	NOUN
fsr-3538	115	8	et	et	PROPN
fsr-3538	115	9	al	al	PROPN
fsr-3538	115	10	.	.	PROPN
fsr-3538	116	1	(	(	PUNCT
fsr-3538	116	2	2020	2020	NUM
fsr-3538	116	3	)	)	PUNCT
fsr-3538	116	4	by	by	ADP
fsr-3538	116	5	including	include	VERB
fsr-3538	116	6	a	a	DET
fsr-3538	116	7	teacher	teacher	NOUN
fsr-3538	116	8	survey	survey	NOUN
fsr-3538	116	9	to	to	PART
fsr-3538	116	10	assess	assess	VERB
fsr-3538	116	11	the	the	DET
fsr-3538	116	12	modality	modality	NOUN
fsr-3538	116	13	of	of	ADP
fsr-3538	116	14	the	the	DET
fsr-3538	116	15	courses	course	NOUN
fsr-3538	116	16	taught	teach	VERB
fsr-3538	116	17	in	in	ADP
fsr-3538	116	18	20202021	20202021	NUM
fsr-3538	116	19	.	.	PUNCT
fsr-3538	117	1	our	our	PRON
fsr-3538	117	2	hypotheses	hypothesis	NOUN
fsr-3538	117	3	are	be	AUX
fsr-3538	117	4	as	as	SCONJ
fsr-3538	117	5	follows	follow	VERB
fsr-3538	117	6	:	:	PUNCT
fsr-3538	117	7	h1	h1	PROPN
fsr-3538	117	8	:	:	PUNCT
fsr-3538	117	9	the	the	DET
fsr-3538	117	10	virtual	virtual	ADJ
fsr-3538	117	11	/	/	SYM
fsr-3538	117	12	hybrid	hybrid	ADJ
fsr-3538	117	13	implementation	implementation	NOUN
fsr-3538	117	14	of	of	ADP
fsr-3538	117	15	financial	financial	ADJ
fsr-3538	117	16	literacy	literacy	NOUN
fsr-3538	117	17	education	education	NOUN
fsr-3538	117	18	will	will	AUX
fsr-3538	117	19	significantly	significantly	ADV
fsr-3538	117	20	differ	differ	VERB
fsr-3538	117	21	in	in	ADP
fsr-3538	117	22	students	student	NOUN
fsr-3538	117	23	’	'	PUNCT
fsr-3538	117	24	performance	performance	NOUN
fsr-3538	117	25	compared	compare	VERB
fsr-3538	117	26	to	to	ADP
fsr-3538	117	27	in	in	ADP
fsr-3538	117	28	-	-	PUNCT
fsr-3538	117	29	person	person	NOUN
fsr-3538	117	30	learning	learning	NOUN
fsr-3538	117	31	.	.	PUNCT
fsr-3538	118	1	h2a	h2a	ADJ
fsr-3538	118	2	:	:	PUNCT
fsr-3538	118	3	male	male	ADJ
fsr-3538	118	4	students	student	NOUN
fsr-3538	118	5	have	have	VERB
fsr-3538	118	6	better	well	ADJ
fsr-3538	118	7	financial	financial	ADJ
fsr-3538	118	8	literacy	literacy	NOUN
fsr-3538	118	9	in	in	ADP
fsr-3538	118	10	all	all	DET
fsr-3538	118	11	four	four	NUM
fsr-3538	118	12	key	key	ADJ
fsr-3538	118	13	areas	area	NOUN
fsr-3538	118	14	before	before	ADP
fsr-3538	118	15	the	the	DET
fsr-3538	118	16	survey	survey	NOUN
fsr-3538	118	17	in	in	ADP
fsr-3538	118	18	both	both	DET
fsr-3538	118	19	modalities	modality	NOUN
fsr-3538	118	20	.	.	PUNCT
fsr-3538	119	1	h2b	h2b	PROPN
fsr-3538	119	2	:	:	PUNCT
fsr-3538	119	3	female	female	ADJ
fsr-3538	119	4	students	student	NOUN
fsr-3538	119	5	will	will	AUX
fsr-3538	119	6	show	show	VERB
fsr-3538	119	7	a	a	DET
fsr-3538	119	8	greater	great	ADJ
fsr-3538	119	9	improvement	improvement	NOUN
fsr-3538	119	10	in	in	ADP
fsr-3538	119	11	knowledge	knowledge	NOUN
fsr-3538	119	12	,	,	PUNCT
fsr-3538	119	13	at	at	ADP
fsr-3538	119	14	the	the	DET
fsr-3538	119	15	statistically	statistically	ADV
fsr-3538	119	16	significant	significant	ADJ
fsr-3538	119	17	level	level	NOUN
fsr-3538	119	18	,	,	PUNCT
fsr-3538	119	19	across	across	ADP
fsr-3538	119	20	both	both	DET
fsr-3538	119	21	modalities	modality	NOUN
fsr-3538	119	22	than	than	ADP
fsr-3538	119	23	male	male	ADJ
fsr-3538	119	24	students	student	NOUN
fsr-3538	119	25	.	.	PUNCT
fsr-3538	120	1	based	base	VERB
fsr-3538	120	2	on	on	ADP
fsr-3538	120	3	the	the	DET
fsr-3538	120	4	previous	previous	ADJ
fsr-3538	120	5	research	research	NOUN
fsr-3538	120	6	,	,	PUNCT
fsr-3538	120	7	the	the	DET
fsr-3538	120	8	first	first	ADJ
fsr-3538	120	9	hypothesis	hypothesis	NOUN
fsr-3538	120	10	statement	statement	NOUN
fsr-3538	120	11	should	should	AUX
fsr-3538	120	12	hold	hold	VERB
fsr-3538	120	13	for	for	ADP
fsr-3538	120	14	the	the	DET
fsr-3538	120	15	sample	sample	NOUN
fsr-3538	120	16	students	student	NOUN
fsr-3538	120	17	in	in	ADP
fsr-3538	120	18	this	this	DET
fsr-3538	120	19	survey	survey	NOUN
fsr-3538	120	20	.	.	PUNCT
fsr-3538	121	1	first	first	ADV
fsr-3538	121	2	,	,	PUNCT
fsr-3538	121	3	if	if	SCONJ
fsr-3538	121	4	the	the	DET
fsr-3538	121	5	hypothesis	hypothesis	NOUN
fsr-3538	121	6	holds	hold	VERB
fsr-3538	121	7	true	true	ADJ
fsr-3538	121	8	,	,	PUNCT
fsr-3538	121	9	in	in	ADP
fsr-3538	121	10	-	-	PUNCT
fsr-3538	121	11	person	person	NOUN
fsr-3538	121	12	financial	financial	ADJ
fsr-3538	121	13	education	education	NOUN
fsr-3538	121	14	programs	program	NOUN
fsr-3538	121	15	will	will	AUX
fsr-3538	121	16	prove	prove	VERB
fsr-3538	121	17	more	more	ADV
fsr-3538	121	18	efficient	efficient	ADJ
fsr-3538	121	19	than	than	ADP
fsr-3538	121	20	a	a	DET
fsr-3538	121	21	virtual	virtual	ADJ
fsr-3538	121	22	/	/	SYM
fsr-3538	121	23	hybrid	hybrid	NOUN
fsr-3538	121	24	instruction	instruction	NOUN
fsr-3538	121	25	mode	mode	NOUN
fsr-3538	121	26	.	.	PUNCT
fsr-3538	122	1	the	the	DET
fsr-3538	122	2	hypothesis	hypothesis	NOUN
fsr-3538	122	3	aligns	align	VERB
fsr-3538	122	4	with	with	ADP
fsr-3538	122	5	amagir	amagir	PROPN
fsr-3538	122	6	et	et	PROPN
fsr-3538	122	7	al	al	PROPN
fsr-3538	122	8	.	.	PROPN
fsr-3538	122	9	’s	’s	PART
fsr-3538	122	10	(	(	PUNCT
fsr-3538	122	11	2018	2018	NUM
fsr-3538	122	12	)	)	PUNCT
fsr-3538	122	13	research	research	NOUN
fsr-3538	122	14	,	,	PUNCT
fsr-3538	122	15	which	which	PRON
fsr-3538	122	16	finds	find	VERB
fsr-3538	122	17	that	that	DET
fsr-3538	122	18	person	person	NOUN
fsr-3538	122	19	-	-	PUNCT
fsr-3538	122	20	to	to	ADP
fsr-3538	122	21	-	-	PUNCT
fsr-3538	122	22	person	person	NOUN
fsr-3538	122	23	financial	financial	ADJ
fsr-3538	122	24	education	education	NOUN
fsr-3538	122	25	is	be	AUX
fsr-3538	122	26	positively	positively	ADV
fsr-3538	122	27	associated	associate	VERB
fsr-3538	122	28	with	with	ADP
fsr-3538	122	29	higher	high	ADJ
fsr-3538	122	30	financial	financial	ADJ
fsr-3538	122	31	knowledge	knowledge	NOUN
fsr-3538	122	32	scores	score	NOUN
fsr-3538	122	33	from	from	ADP
fsr-3538	122	34	their	their	PRON
fsr-3538	122	35	survey	survey	NOUN
fsr-3538	122	36	.	.	PUNCT
fsr-3538	123	1	additionally	additionally	ADV
fsr-3538	123	2	,	,	PUNCT
fsr-3538	123	3	panos	panos	PROPN
fsr-3538	123	4	and	and	CCONJ
fsr-3538	123	5	wilson	wilson	PROPN
fsr-3538	123	6	(	(	PUNCT
fsr-3538	123	7	2020	2020	NUM
fsr-3538	123	8	)	)	PUNCT
fsr-3538	123	9	find	find	VERB
fsr-3538	123	10	in	in	ADP
fsr-3538	123	11	their	their	PRON
fsr-3538	123	12	research	research	NOUN
fsr-3538	123	13	that	that	SCONJ
fsr-3538	123	14	virtual	virtual	ADJ
fsr-3538	123	15	/	/	SYM
fsr-3538	123	16	hybrid	hybrid	ADJ
fsr-3538	123	17	modes	mode	NOUN
fsr-3538	123	18	of	of	ADP
fsr-3538	123	19	financial	financial	ADJ
fsr-3538	123	20	education	education	NOUN
fsr-3538	123	21	courses	course	NOUN
fsr-3538	123	22	failed	fail	VERB
fsr-3538	123	23	to	to	PART
fsr-3538	123	24	teach	teach	VERB
fsr-3538	123	25	students	student	NOUN
fsr-3538	123	26	in	in	ADP
fsr-3538	123	27	certain	certain	ADJ
fsr-3538	123	28	financial	financial	ADJ
fsr-3538	123	29	topics	topic	NOUN
fsr-3538	123	30	,	,	PUNCT
fsr-3538	123	31	stating	state	VERB
fsr-3538	123	32	a	a	DET
fsr-3538	123	33	lack	lack	NOUN
fsr-3538	123	34	of	of	ADP
fsr-3538	123	35	direct	direct	ADJ
fsr-3538	123	36	student	student	NOUN
fsr-3538	123	37	-	-	PUNCT
fsr-3538	123	38	toteacher	toteacher	NOUN
fsr-3538	123	39	contact	contact	NOUN
fsr-3538	123	40	as	as	ADP
fsr-3538	123	41	the	the	DET
fsr-3538	123	42	vital	vital	ADJ
fsr-3538	123	43	reason	reason	NOUN
fsr-3538	123	44	.	.	PUNCT
fsr-3538	124	1	these	these	DET
fsr-3538	124	2	financial	financial	ADJ
fsr-3538	124	3	topics	topic	NOUN
fsr-3538	124	4	test	test	NOUN
fsr-3538	124	5	students	student	NOUN
fsr-3538	124	6	in	in	ADP
fsr-3538	124	7	their	their	PRON
fsr-3538	124	8	objective	objective	ADJ
fsr-3538	124	9	and	and	CCONJ
fsr-3538	124	10	subjective	subjective	ADJ
fsr-3538	124	11	financial	financial	ADJ
fsr-3538	124	12	knowledge	knowledge	NOUN
fsr-3538	124	13	.	.	PUNCT
fsr-3538	125	1	our	our	PRON
fsr-3538	125	2	hypothesis	hypothesis	NOUN
fsr-3538	125	3	h2a	h2a	NOUN
fsr-3538	125	4	builds	build	VERB
fsr-3538	125	5	on	on	ADP
fsr-3538	125	6	prior	prior	ADJ
fsr-3538	125	7	research	research	NOUN
fsr-3538	125	8	that	that	PRON
fsr-3538	125	9	has	have	AUX
fsr-3538	125	10	found	find	VERB
fsr-3538	125	11	a	a	DET
fsr-3538	125	12	financial	financial	ADJ
fsr-3538	125	13	literacy	literacy	NOUN
fsr-3538	125	14	gender	gender	NOUN
fsr-3538	125	15	gap	gap	NOUN
fsr-3538	125	16	.	.	PUNCT
fsr-3538	126	1	in	in	ADP
fsr-3538	126	2	particular	particular	ADJ
fsr-3538	126	3	,	,	PUNCT
fsr-3538	126	4	cupák	cupák	NOUN
fsr-3538	126	5	,	,	PUNCT
fsr-3538	126	6	fessler	fessler	NOUN
fsr-3538	126	7	,	,	PUNCT
fsr-3538	126	8	schneebaum	schneebaum	ADJ
fsr-3538	126	9	,	,	PUNCT
fsr-3538	126	10	and	and	CCONJ
fsr-3538	126	11	silgoner	silgoner	ADJ
fsr-3538	126	12	(	(	PUNCT
fsr-3538	126	13	2018	2018	NUM
fsr-3538	126	14	)	)	PUNCT
fsr-3538	126	15	find	find	VERB
fsr-3538	126	16	that	that	SCONJ
fsr-3538	126	17	women	woman	NOUN
fsr-3538	126	18	score	score	VERB
fsr-3538	126	19	lower	low	ADJ
fsr-3538	126	20	than	than	ADP
fsr-3538	126	21	men	man	NOUN
fsr-3538	126	22	on	on	ADP
fsr-3538	126	23	financial	financial	ADJ
fsr-3538	126	24	literacy	literacy	NOUN
fsr-3538	126	25	,	,	PUNCT
fsr-3538	126	26	with	with	ADP
fsr-3538	126	27	a	a	DET
fsr-3538	126	28	more	more	ADV
fsr-3538	126	29	pronounced	pronounced	ADJ
fsr-3538	126	30	gap	gap	NOUN
fsr-3538	126	31	in	in	ADP
fsr-3538	126	32	developed	develop	VERB
fsr-3538	126	33	countries	country	NOUN
fsr-3538	126	34	.	.	PUNCT
fsr-3538	127	1	additionally	additionally	ADV
fsr-3538	127	2	,	,	PUNCT
fsr-3538	127	3	preston	preston	PROPN
fsr-3538	127	4	and	and	CCONJ
fsr-3538	127	5	wright	wright	PROPN
fsr-3538	127	6	(	(	PUNCT
fsr-3538	127	7	2019	2019	NUM
fsr-3538	127	8	)	)	PUNCT
fsr-3538	127	9	examine	examine	VERB
fsr-3538	127	10	the	the	DET
fsr-3538	127	11	financial	financial	ADJ
fsr-3538	127	12	literacy	literacy	NOUN
fsr-3538	127	13	gap	gap	NOUN
fsr-3538	127	14	in	in	ADP
fsr-3538	127	15	australia	australia	PROPN
fsr-3538	127	16	.	.	PUNCT
fsr-3538	128	1	while	while	SCONJ
fsr-3538	128	2	the	the	DET
fsr-3538	128	3	“	"	PUNCT
fsr-3538	128	4	human	human	ADJ
fsr-3538	128	5	capital	capital	NOUN
fsr-3538	128	6	variables	variable	NOUN
fsr-3538	128	7	”	"	PUNCT
fsr-3538	128	8	(	(	PUNCT
fsr-3538	128	9	age	age	NOUN
fsr-3538	128	10	and	and	CCONJ
fsr-3538	128	11	education	education	NOUN
fsr-3538	128	12	)	)	PUNCT
fsr-3538	128	13	were	be	AUX
fsr-3538	128	14	not	not	PART
fsr-3538	128	15	significant	significant	ADJ
fsr-3538	128	16	in	in	ADP
fsr-3538	128	17	explaining	explain	VERB
fsr-3538	128	18	the	the	DET
fsr-3538	128	19	gap	gap	NOUN
fsr-3538	128	20	,	,	PUNCT
fsr-3538	128	21	“	"	PUNCT
fsr-3538	128	22	labor	labor	NOUN
fsr-3538	128	23	market	market	NOUN
fsr-3538	128	24	variables	variable	NOUN
fsr-3538	128	25	”	"	PUNCT
fsr-3538	128	26	(	(	PUNCT
fsr-3538	128	27	including	include	VERB
fsr-3538	128	28	sector	sector	NOUN
fsr-3538	128	29	and	and	CCONJ
fsr-3538	128	30	occupation	occupation	NOUN
fsr-3538	128	31	)	)	PUNCT
fsr-3538	128	32	were	be	AUX
fsr-3538	128	33	significant	significant	ADJ
fsr-3538	128	34	in	in	ADP
fsr-3538	128	35	explaining	explain	VERB
fsr-3538	128	36	the	the	DET
fsr-3538	128	37	gap	gap	NOUN
fsr-3538	128	38	.	.	PUNCT
fsr-3538	129	1	one	one	NUM
fsr-3538	129	2	possible	possible	ADJ
fsr-3538	129	3	explanation	explanation	NOUN
fsr-3538	129	4	for	for	ADP
fsr-3538	129	5	gender	gender	NOUN
fsr-3538	129	6	differences	difference	NOUN
fsr-3538	129	7	is	be	AUX
fsr-3538	129	8	how	how	SCONJ
fsr-3538	129	9	females	female	NOUN
fsr-3538	129	10	respond	respond	VERB
fsr-3538	129	11	to	to	ADP
fsr-3538	129	12	financial	financial	ADJ
fsr-3538	129	13	literacy	literacy	NOUN
fsr-3538	129	14	questions	question	NOUN
fsr-3538	129	15	compared	compare	VERB
fsr-3538	129	16	to	to	ADP
fsr-3538	129	17	males	male	NOUN
fsr-3538	129	18	.	.	PUNCT
fsr-3538	130	1	lusardi	lusardi	PROPN
fsr-3538	130	2	and	and	CCONJ
fsr-3538	130	3	mitchell	mitchell	PROPN
fsr-3538	130	4	(	(	PUNCT
fsr-3538	130	5	2014	2014	NUM
fsr-3538	130	6	)	)	PUNCT
fsr-3538	130	7	indicate	indicate	VERB
fsr-3538	130	8	that	that	SCONJ
fsr-3538	130	9	females	female	NOUN
fsr-3538	130	10	are	be	AUX
fsr-3538	130	11	disproportionately	disproportionately	ADV
fsr-3538	130	12	more	more	ADV
fsr-3538	130	13	likely	likely	ADJ
fsr-3538	130	14	than	than	ADP
fsr-3538	130	15	males	male	NOUN
fsr-3538	130	16	to	to	PART
fsr-3538	130	17	respond	respond	VERB
fsr-3538	130	18	to	to	ADP
fsr-3538	130	19	a	a	DET
fsr-3538	130	20	question	question	NOUN
fsr-3538	130	21	with	with	ADP
fsr-3538	130	22	“	"	PUNCT
fsr-3538	130	23	i	i	PRON
fsr-3538	130	24	do	do	AUX
fsr-3538	130	25	n’t	not	PART
fsr-3538	130	26	know	know	VERB
fsr-3538	130	27	.	.	PUNCT
fsr-3538	130	28	”	"	PUNCT
fsr-3538	130	29	bucher	bucher	PROPN
fsr-3538	130	30	-	-	PUNCT
fsr-3538	130	31	koenen	koenen	NOUN
fsr-3538	130	32	,	,	PUNCT
fsr-3538	130	33	lusardi	lusardi	NOUN
fsr-3538	130	34	,	,	PUNCT
fsr-3538	130	35	alessie	alessie	ADJ
fsr-3538	130	36	,	,	PUNCT
fsr-3538	130	37	and	and	CCONJ
fsr-3538	130	38	van	van	PROPN
fsr-3538	130	39	rooij	rooij	NOUN
fsr-3538	130	40	(	(	PUNCT
fsr-3538	130	41	2017	2017	NUM
fsr-3538	130	42	)	)	PUNCT
fsr-3538	130	43	find	find	VERB
fsr-3538	130	44	that	that	SCONJ
fsr-3538	130	45	females	female	NOUN
fsr-3538	130	46	tend	tend	VERB
fsr-3538	130	47	to	to	PART
fsr-3538	130	48	give	give	VERB
fsr-3538	130	49	themselves	themselves	PRON
fsr-3538	130	50	lower	low	ADJ
fsr-3538	130	51	scores	score	NOUN
fsr-3538	130	52	in	in	ADP
fsr-3538	130	53	self	self	NOUN
fsr-3538	130	54	-	-	PUNCT
fsr-3538	130	55	assessed	assess	VERB
fsr-3538	130	56	knowledge	knowledge	NOUN
fsr-3538	130	57	.	.	PUNCT
fsr-3538	131	1	they	they	PRON
fsr-3538	131	2	conclude	conclude	VERB
fsr-3538	131	3	that	that	SCONJ
fsr-3538	131	4	“	"	PUNCT
fsr-3538	131	5	i	i	PRON
fsr-3538	131	6	do	do	AUX
fsr-3538	131	7	n’t	not	PART
fsr-3538	131	8	know	know	VERB
fsr-3538	131	9	”	"	PUNCT
fsr-3538	131	10	reflects	reflect	VERB
fsr-3538	131	11	not	not	PART
fsr-3538	131	12	simply	simply	ADV
fsr-3538	131	13	the	the	DET
fsr-3538	131	14	lack	lack	NOUN
fsr-3538	131	15	of	of	ADP
fsr-3538	131	16	knowledge	knowledge	NOUN
fsr-3538	131	17	but	but	CCONJ
fsr-3538	131	18	rather	rather	ADV
fsr-3538	131	19	the	the	DET
fsr-3538	131	20	lack	lack	NOUN
fsr-3538	131	21	of	of	ADP
fsr-3538	131	22	confidence	confidence	NOUN
fsr-3538	131	23	in	in	ADP
fsr-3538	131	24	their	their	PRON
fsr-3538	131	25	possessed	possessed	ADJ
fsr-3538	131	26	knowledge	knowledge	NOUN
fsr-3538	131	27	.	.	PUNCT
fsr-3538	132	1	riener	riener	PROPN
fsr-3538	132	2	and	and	CCONJ
fsr-3538	132	3	wagner	wagner	PROPN
fsr-3538	132	4	(	(	PUNCT
fsr-3538	132	5	2017	2017	NUM
fsr-3538	132	6	)	)	PUNCT
fsr-3538	132	7	find	find	VERB
fsr-3538	132	8	that	that	SCONJ
fsr-3538	132	9	girls	girl	NOUN
fsr-3538	132	10	are	be	AUX
fsr-3538	132	11	more	more	ADV
fsr-3538	132	12	likely	likely	ADJ
fsr-3538	132	13	to	to	PART
fsr-3538	132	14	skip	skip	VERB
fsr-3538	132	15	questions	question	NOUN
fsr-3538	132	16	(	(	PUNCT
fsr-3538	132	17	“	"	PUNCT
fsr-3538	132	18	i	i	PRON
fsr-3538	132	19	do	do	AUX
fsr-3538	132	20	n’t	not	PART
fsr-3538	132	21	know	know	VERB
fsr-3538	132	22	”	"	PUNCT
fsr-3538	132	23	)	)	PUNCT
fsr-3538	132	24	than	than	ADP
fsr-3538	132	25	boys	boy	NOUN
fsr-3538	132	26	if	if	SCONJ
fsr-3538	132	27	they	they	PRON
fsr-3538	132	28	deem	deem	VERB
fsr-3538	132	29	them	they	PRON
fsr-3538	132	30	difficult	difficult	ADJ
fsr-3538	132	31	.	.	PUNCT
fsr-3538	133	1	they	they	PRON
fsr-3538	133	2	find	find	VERB
fsr-3538	133	3	differences	difference	NOUN
fsr-3538	133	4	cease	cease	VERB
fsr-3538	133	5	when	when	SCONJ
fsr-3538	133	6	extrinsic	extrinsic	ADJ
fsr-3538	133	7	rewards	reward	NOUN
fsr-3538	133	8	are	be	AUX
fsr-3538	133	9	provided	provide	VERB
fsr-3538	133	10	.	.	PUNCT
fsr-3538	134	1	they	they	PRON
fsr-3538	134	2	argue	argue	VERB
fsr-3538	134	3	that	that	SCONJ
fsr-3538	134	4	their	their	PRON
fsr-3538	134	5	findings	finding	NOUN
fsr-3538	134	6	are	be	AUX
fsr-3538	134	7	consistent	consistent	ADJ
fsr-3538	134	8	with	with	ADP
fsr-3538	134	9	a	a	DET
fsr-3538	134	10	stereotype	stereotype	NOUN
fsr-3538	134	11	threat	threat	NOUN
fsr-3538	134	12	explanation	explanation	NOUN
fsr-3538	134	13	.	.	PUNCT
fsr-3538	135	1	support	support	NOUN
fsr-3538	135	2	for	for	ADP
fsr-3538	135	3	a	a	DET
fsr-3538	135	4	stereotype	stereotype	NOUN
fsr-3538	135	5	threat	threat	NOUN
fsr-3538	135	6	explanation	explanation	NOUN
fsr-3538	135	7	hinges	hinge	NOUN
fsr-3538	135	8	on	on	ADP
fsr-3538	135	9	the	the	DET
fsr-3538	135	10	disappearance	disappearance	NOUN
fsr-3538	135	11	of	of	ADP
fsr-3538	135	12	the	the	DET
fsr-3538	135	13	gender	gender	NOUN
fsr-3538	135	14	gap	gap	NOUN
fsr-3538	135	15	when	when	SCONJ
fsr-3538	135	16	the	the	DET
fsr-3538	135	17	task	task	NOUN
fsr-3538	135	18	’s	’s	PART
fsr-3538	135	19	difficulty	difficulty	NOUN
fsr-3538	135	20	is	be	AUX
fsr-3538	135	21	made	make	VERB
fsr-3538	135	22	less	less	ADJ
fsr-3538	135	23	salient	salient	NOUN
fsr-3538	135	24	.	.	PUNCT
fsr-3538	136	1	the	the	DET
fsr-3538	136	2	quantitative	quantitative	ADJ
fsr-3538	136	3	nature	nature	NOUN
fsr-3538	136	4	of	of	ADP
fsr-3538	136	5	174	174	NUM
fsr-3538	136	6	g.	g.	NOUN
fsr-3538	136	7	filbeck	filbeck	NOUN
fsr-3538	136	8	and	and	CCONJ
fsr-3538	136	9	x.	x.	NOUN
fsr-3538	136	10	zhao	zhao	PROPN
fsr-3538	136	11	/	/	SYM
fsr-3538	136	12	financial	financial	ADJ
fsr-3538	136	13	services	service	NOUN
fsr-3538	136	14	review	review	VERB
fsr-3538	136	15	31	31	NUM
fsr-3538	136	16	(	(	PUNCT
fsr-3538	136	17	2023	2023	NUM
fsr-3538	136	18	)	)	PUNCT
fsr-3538	136	19	169–196	169–196	NUM
fsr-3538	136	20	financial	financial	ADJ
fsr-3538	136	21	literacy	literacy	NOUN
fsr-3538	136	22	may	may	AUX
fsr-3538	136	23	also	also	ADV
fsr-3538	136	24	offer	offer	VERB
fsr-3538	136	25	a	a	DET
fsr-3538	136	26	possible	possible	ADJ
fsr-3538	136	27	explanation	explanation	NOUN
fsr-3538	136	28	for	for	ADP
fsr-3538	136	29	females	female	NOUN
fsr-3538	136	30	skipping	skip	VERB
fsr-3538	136	31	questions	question	NOUN
fsr-3538	136	32	.	.	PUNCT
fsr-3538	137	1	saygin	saygin	NOUN
fsr-3538	137	2	and	and	CCONJ
fsr-3538	137	3	atwater	atwater	NOUN
fsr-3538	137	4	(	(	PUNCT
fsr-3538	137	5	2021	2021	NUM
fsr-3538	137	6	)	)	PUNCT
fsr-3538	137	7	find	find	VERB
fsr-3538	137	8	that	that	SCONJ
fsr-3538	137	9	female	female	ADJ
fsr-3538	137	10	test	test	NOUN
fsr-3538	137	11	-	-	PUNCT
fsr-3538	137	12	takers	taker	NOUN
fsr-3538	137	13	skip	skip	VERB
fsr-3538	137	14	significantly	significantly	ADV
fsr-3538	137	15	more	more	ADJ
fsr-3538	137	16	questions	question	NOUN
fsr-3538	137	17	than	than	ADP
fsr-3538	137	18	males	male	NOUN
fsr-3538	137	19	in	in	ADP
fsr-3538	137	20	quantitative	quantitative	ADJ
fsr-3538	137	21	areas	area	NOUN
fsr-3538	137	22	,	,	PUNCT
fsr-3538	137	23	while	while	SCONJ
fsr-3538	137	24	no	no	DET
fsr-3538	137	25	differences	difference	NOUN
fsr-3538	137	26	exist	exist	VERB
fsr-3538	137	27	in	in	ADP
fsr-3538	137	28	nonquantitative	nonquantitative	ADJ
fsr-3538	137	29	areas	area	NOUN
fsr-3538	137	30	.	.	PUNCT
fsr-3538	138	1	overall	overall	ADJ
fsr-3538	138	2	,	,	PUNCT
fsr-3538	138	3	in	in	ADP
fsr-3538	138	4	-	-	PUNCT
fsr-3538	138	5	person	person	NOUN
fsr-3538	138	6	classes	class	NOUN
fsr-3538	138	7	would	would	AUX
fsr-3538	138	8	increase	increase	VERB
fsr-3538	138	9	students	student	NOUN
fsr-3538	138	10	’	'	PUNCT
fsr-3538	138	11	financial	financial	ADJ
fsr-3538	138	12	knowledge	knowledge	NOUN
fsr-3538	138	13	and	and	CCONJ
fsr-3538	138	14	behavior	behavior	NOUN
fsr-3538	138	15	,	,	PUNCT
fsr-3538	138	16	ultimately	ultimately	ADV
fsr-3538	138	17	improving	improve	VERB
fsr-3538	138	18	financial	financial	ADJ
fsr-3538	138	19	success	success	NOUN
fsr-3538	138	20	and	and	CCONJ
fsr-3538	138	21	responsibility	responsibility	NOUN
fsr-3538	138	22	.	.	PUNCT
fsr-3538	139	1	our	our	PRON
fsr-3538	139	2	hypothesis	hypothesis	NOUN
fsr-3538	139	3	h2b	h2b	PROPN
fsr-3538	139	4	builds	build	VERB
fsr-3538	139	5	on	on	ADP
fsr-3538	139	6	the	the	DET
fsr-3538	139	7	arguments	argument	NOUN
fsr-3538	139	8	that	that	SCONJ
fsr-3538	139	9	females	female	NOUN
fsr-3538	139	10	and	and	CCONJ
fsr-3538	139	11	males	male	NOUN
fsr-3538	139	12	would	would	AUX
fsr-3538	139	13	show	show	VERB
fsr-3538	139	14	a	a	DET
fsr-3538	139	15	statistically	statistically	ADV
fsr-3538	139	16	significant	significant	ADJ
fsr-3538	139	17	difference	difference	NOUN
fsr-3538	139	18	in	in	ADP
fsr-3538	139	19	learning	learn	VERB
fsr-3538	139	20	with	with	ADP
fsr-3538	139	21	virtual	virtual	ADJ
fsr-3538	139	22	/	/	SYM
fsr-3538	139	23	hybrid	hybrid	ADJ
fsr-3538	139	24	courses	course	NOUN
fsr-3538	139	25	than	than	ADP
fsr-3538	139	26	in	in	ADP
fsr-3538	139	27	-	-	PUNCT
fsr-3538	139	28	person	person	NOUN
fsr-3538	139	29	,	,	PUNCT
fsr-3538	139	30	with	with	ADP
fsr-3538	139	31	females	female	NOUN
fsr-3538	139	32	showing	show	VERB
fsr-3538	139	33	a	a	DET
fsr-3538	139	34	more	more	ADV
fsr-3538	139	35	significant	significant	ADJ
fsr-3538	139	36	improvement	improvement	NOUN
fsr-3538	139	37	in	in	ADP
fsr-3538	139	38	financial	financial	ADJ
fsr-3538	139	39	knowledge	knowledge	NOUN
fsr-3538	139	40	than	than	ADP
fsr-3538	139	41	males	male	NOUN
fsr-3538	139	42	.	.	PUNCT
fsr-3538	140	1	pangestu	pangestu	PROPN
fsr-3538	140	2	and	and	CCONJ
fsr-3538	140	3	karnadi	karnadi	PROPN
fsr-3538	140	4	(	(	PUNCT
fsr-3538	140	5	2020	2020	NUM
fsr-3538	140	6	)	)	PUNCT
fsr-3538	140	7	and	and	CCONJ
fsr-3538	140	8	gerrans	gerran	NOUN
fsr-3538	140	9	and	and	CCONJ
fsr-3538	140	10	heaney	heaney	NOUN
fsr-3538	140	11	(	(	PUNCT
fsr-3538	140	12	2019	2019	NUM
fsr-3538	140	13	)	)	PUNCT
fsr-3538	140	14	support	support	NOUN
fsr-3538	140	15	this	this	DET
fsr-3538	140	16	hypothesis	hypothesis	NOUN
fsr-3538	140	17	by	by	ADP
fsr-3538	140	18	concluding	conclude	VERB
fsr-3538	140	19	in	in	ADP
fsr-3538	140	20	their	their	PRON
fsr-3538	140	21	research	research	NOUN
fsr-3538	140	22	that	that	SCONJ
fsr-3538	140	23	,	,	PUNCT
fsr-3538	140	24	since	since	SCONJ
fsr-3538	140	25	women	woman	NOUN
fsr-3538	140	26	are	be	AUX
fsr-3538	140	27	building	build	VERB
fsr-3538	140	28	from	from	ADP
fsr-3538	140	29	a	a	DET
fsr-3538	140	30	lower	low	ADJ
fsr-3538	140	31	financial	financial	ADJ
fsr-3538	140	32	literacy	literacy	NOUN
fsr-3538	140	33	base	base	NOUN
fsr-3538	140	34	,	,	PUNCT
fsr-3538	140	35	a	a	DET
fsr-3538	140	36	more	more	ADV
fsr-3538	140	37	significant	significant	ADJ
fsr-3538	140	38	improvement	improvement	NOUN
fsr-3538	140	39	is	be	AUX
fsr-3538	140	40	observed	observe	VERB
fsr-3538	140	41	when	when	SCONJ
fsr-3538	140	42	compared	compare	VERB
fsr-3538	140	43	to	to	ADP
fsr-3538	140	44	men	man	NOUN
fsr-3538	140	45	’s	’s	PART
fsr-3538	140	46	improvement	improvement	NOUN
fsr-3538	140	47	.	.	PUNCT
fsr-3538	141	1	3	3	X
fsr-3538	141	2	.	.	X
fsr-3538	141	3	sample	sample	NOUN
fsr-3538	141	4	and	and	CCONJ
fsr-3538	141	5	methodology	methodology	NOUN
fsr-3538	141	6	the	the	DET
fsr-3538	141	7	cfa	cfa	PROPN
fsr-3538	141	8	society	society	PROPN
fsr-3538	141	9	pittsburgh	pittsburgh	PROPN
fsr-3538	141	10	has	have	AUX
fsr-3538	141	11	been	be	AUX
fsr-3538	141	12	active	active	ADJ
fsr-3538	141	13	in	in	ADP
fsr-3538	141	14	financial	financial	ADJ
fsr-3538	141	15	literacy	literacy	NOUN
fsr-3538	141	16	outreach	outreach	NOUN
fsr-3538	141	17	for	for	ADP
fsr-3538	141	18	over	over	ADP
fsr-3538	141	19	a	a	DET
fsr-3538	141	20	decade	decade	NOUN
fsr-3538	141	21	,	,	PUNCT
fsr-3538	141	22	with	with	ADP
fsr-3538	141	23	a	a	DET
fsr-3538	141	24	financial	financial	ADJ
fsr-3538	141	25	literacy	literacy	NOUN
fsr-3538	141	26	committee	committee	NOUN
fsr-3538	141	27	charged	charge	VERB
fsr-3538	141	28	with	with	ADP
fsr-3538	141	29	curricular	curricular	ADJ
fsr-3538	141	30	development	development	NOUN
fsr-3538	141	31	and	and	CCONJ
fsr-3538	141	32	training	training	NOUN
fsr-3538	141	33	.	.	PUNCT
fsr-3538	142	1	financial	financial	ADJ
fsr-3538	142	2	literacy	literacy	NOUN
fsr-3538	142	3	leaders	leader	NOUN
fsr-3538	142	4	conduct	conduct	VERB
fsr-3538	142	5	act	act	VERB
fsr-3538	142	6	48	48	NUM
fsr-3538	142	7	training	training	NOUN
fsr-3538	142	8	sessions	session	NOUN
fsr-3538	142	9	in	in	ADP
fsr-3538	142	10	several	several	ADJ
fsr-3538	142	11	pennsylvania	pennsylvania	PROPN
fsr-3538	142	12	locations	location	NOUN
fsr-3538	142	13	and	and	CCONJ
fsr-3538	142	14	deliver	deliver	VERB
fsr-3538	142	15	hour	hour	NOUN
fsr-3538	142	16	-	-	PUNCT
fsr-3538	142	17	long	long	ADJ
fsr-3538	142	18	presentations	presentation	NOUN
fsr-3538	142	19	on	on	ADP
fsr-3538	142	20	core	core	ADJ
fsr-3538	142	21	financial	financial	ADJ
fsr-3538	142	22	literacy	literacy	NOUN
fsr-3538	142	23	concepts	concept	NOUN
fsr-3538	142	24	as	as	SCONJ
fsr-3538	142	25	requested	request	VERB
fsr-3538	142	26	.	.	PUNCT
fsr-3538	143	1	the	the	DET
fsr-3538	143	2	cfa	cfa	PROPN
fsr-3538	143	3	society	society	PROPN
fsr-3538	143	4	pittsburgh	pittsburgh	PROPN
fsr-3538	143	5	provides	provide	VERB
fsr-3538	143	6	participating	participate	VERB
fsr-3538	143	7	high	high	ADJ
fsr-3538	143	8	schools	school	NOUN
fsr-3538	143	9	with	with	ADP
fsr-3538	143	10	instructional	instructional	ADJ
fsr-3538	143	11	materials	material	NOUN
fsr-3538	143	12	for	for	ADP
fsr-3538	143	13	a	a	DET
fsr-3538	143	14	semester	semester	NOUN
fsr-3538	143	15	-	-	PUNCT
fsr-3538	143	16	long	long	ADV
fsr-3538	143	17	equivalent	equivalent	ADJ
fsr-3538	143	18	course	course	NOUN
fsr-3538	143	19	based	base	VERB
fsr-3538	143	20	on	on	ADP
fsr-3538	143	21	the	the	DET
fsr-3538	143	22	missing	miss	VERB
fsr-3538	143	23	semester	semester	NOUN
fsr-3538	143	24	(	(	PUNCT
fsr-3538	143	25	kabala	kabala	PROPN
fsr-3538	143	26	&	&	CCONJ
fsr-3538	143	27	natali	natali	PROPN
fsr-3538	143	28	2012	2012	NUM
fsr-3538	143	29	)	)	PUNCT
fsr-3538	143	30	and	and	CCONJ
fsr-3538	143	31	the	the	DET
fsr-3538	143	32	missing	missing	ADJ
fsr-3538	143	33	second	second	ADJ
fsr-3538	143	34	semester	semester	NOUN
fsr-3538	143	35	(	(	PUNCT
fsr-3538	143	36	2020	2020	NUM
fsr-3538	143	37	)	)	PUNCT
fsr-3538	143	38	.	.	PUNCT
fsr-3538	144	1	schools	school	NOUN
fsr-3538	144	2	voluntarily	voluntarily	ADV
fsr-3538	144	3	participate	participate	VERB
fsr-3538	144	4	and	and	CCONJ
fsr-3538	144	5	deliver	deliver	VERB
fsr-3538	144	6	their	their	PRON
fsr-3538	144	7	programs	program	NOUN
fsr-3538	144	8	based	base	VERB
fsr-3538	144	9	on	on	ADP
fsr-3538	144	10	their	their	PRON
fsr-3538	144	11	schedule	schedule	NOUN
fsr-3538	144	12	.	.	PUNCT
fsr-3538	145	1	participating	participate	VERB
fsr-3538	145	2	teachers	teacher	NOUN
fsr-3538	145	3	are	be	AUX
fsr-3538	145	4	supplied	supply	VERB
fsr-3538	145	5	with	with	ADP
fsr-3538	145	6	powerpoint	powerpoint	NOUN
fsr-3538	145	7	resources	resource	NOUN
fsr-3538	145	8	to	to	PART
fsr-3538	145	9	accompany	accompany	VERB
fsr-3538	145	10	the	the	DET
fsr-3538	145	11	book	book	NOUN
fsr-3538	145	12	,	,	PUNCT
fsr-3538	145	13	along	along	ADP
fsr-3538	145	14	with	with	ADP
fsr-3538	145	15	a	a	DET
fsr-3538	145	16	web	web	NOUN
fsr-3538	145	17	-	-	PUNCT
fsr-3538	145	18	based	base	VERB
fsr-3538	145	19	portal	portal	NOUN
fsr-3538	145	20	(	(	PUNCT
fsr-3538	145	21	available	available	ADJ
fsr-3538	145	22	through	through	ADP
fsr-3538	145	23	the	the	DET
fsr-3538	145	24	cfa	cfa	PROPN
fsr-3538	145	25	society	society	PROPN
fsr-3538	145	26	pittsburgh	pittsburgh	PROPN
fsr-3538	145	27	website	website	NOUN
fsr-3538	145	28	)	)	PUNCT
fsr-3538	145	29	of	of	ADP
fsr-3538	145	30	best	good	ADJ
fsr-3538	145	31	practices	practice	NOUN
fsr-3538	145	32	and	and	CCONJ
fsr-3538	145	33	exercises	exercise	NOUN
fsr-3538	145	34	submitted	submit	VERB
fsr-3538	145	35	from	from	ADP
fsr-3538	145	36	previous	previous	ADJ
fsr-3538	145	37	participating	participate	VERB
fsr-3538	145	38	schools	school	NOUN
fsr-3538	145	39	.	.	PUNCT
fsr-3538	146	1	program	program	NOUN
fsr-3538	146	2	participation	participation	NOUN
fsr-3538	146	3	is	be	AUX
fsr-3538	146	4	open	open	ADJ
fsr-3538	146	5	to	to	ADP
fsr-3538	146	6	any	any	DET
fsr-3538	146	7	high	high	ADJ
fsr-3538	146	8	school	school	NOUN
fsr-3538	146	9	.	.	PUNCT
fsr-3538	147	1	each	each	DET
fsr-3538	147	2	school	school	NOUN
fsr-3538	147	3	determines	determine	VERB
fsr-3538	147	4	the	the	DET
fsr-3538	147	5	nature	nature	NOUN
fsr-3538	147	6	of	of	ADP
fsr-3538	147	7	program	program	NOUN
fsr-3538	147	8	delivery	delivery	NOUN
fsr-3538	147	9	,	,	PUNCT
fsr-3538	147	10	which	which	PRON
fsr-3538	147	11	ranges	range	VERB
fsr-3538	147	12	from	from	ADP
fsr-3538	147	13	within	within	ADP
fsr-3538	147	14	the	the	DET
fsr-3538	147	15	context	context	NOUN
fsr-3538	147	16	of	of	ADP
fsr-3538	147	17	a	a	DET
fsr-3538	147	18	subject	subject	ADJ
fsr-3538	147	19	class	class	NOUN
fsr-3538	147	20	(	(	PUNCT
fsr-3538	147	21	such	such	ADJ
fsr-3538	147	22	as	as	ADP
fsr-3538	147	23	math	math	NOUN
fsr-3538	147	24	)	)	PUNCT
fsr-3538	147	25	or	or	CCONJ
fsr-3538	147	26	as	as	ADP
fsr-3538	147	27	a	a	DET
fsr-3538	147	28	standalone	standalone	NOUN
fsr-3538	147	29	unit	unit	NOUN
fsr-3538	147	30	.	.	PUNCT
fsr-3538	148	1	the	the	DET
fsr-3538	148	2	teachers	teacher	NOUN
fsr-3538	148	3	decide	decide	VERB
fsr-3538	148	4	at	at	ADP
fsr-3538	148	5	what	what	DET
fsr-3538	148	6	point	point	NOUN
fsr-3538	148	7	in	in	ADP
fsr-3538	148	8	high	high	ADJ
fsr-3538	148	9	school	school	NOUN
fsr-3538	148	10	to	to	PART
fsr-3538	148	11	offer	offer	VERB
fsr-3538	148	12	the	the	DET
fsr-3538	148	13	programs	program	NOUN
fsr-3538	148	14	.	.	PUNCT
fsr-3538	149	1	in	in	ADP
fsr-3538	149	2	most	most	ADJ
fsr-3538	149	3	cases	case	NOUN
fsr-3538	149	4	,	,	PUNCT
fsr-3538	149	5	programs	program	NOUN
fsr-3538	149	6	are	be	AUX
fsr-3538	149	7	delivered	deliver	VERB
fsr-3538	149	8	as	as	ADP
fsr-3538	149	9	for	for	ADP
fsr-3538	149	10	-	-	PUNCT
fsr-3538	149	11	credit	credit	NOUN
fsr-3538	149	12	courses	course	NOUN
fsr-3538	149	13	.	.	PUNCT
fsr-3538	150	1	after	after	ADP
fsr-3538	150	2	gathering	gather	VERB
fsr-3538	150	3	the	the	DET
fsr-3538	150	4	list	list	NOUN
fsr-3538	150	5	of	of	ADP
fsr-3538	150	6	enrolled	enrol	VERB
fsr-3538	150	7	teachers	teacher	NOUN
fsr-3538	150	8	,	,	PUNCT
fsr-3538	150	9	we	we	PRON
fsr-3538	150	10	assigned	assign	VERB
fsr-3538	150	11	each	each	PRON
fsr-3538	150	12	a	a	DET
fsr-3538	150	13	unique	unique	ADJ
fsr-3538	150	14	class	class	NOUN
fsr-3538	150	15	code	code	NOUN
fsr-3538	150	16	.	.	PUNCT
fsr-3538	151	1	links	link	NOUN
fsr-3538	151	2	for	for	ADP
fsr-3538	151	3	preand	preand	NOUN
fsr-3538	151	4	post	post	NOUN
fsr-3538	151	5	-	-	NOUN
fsr-3538	151	6	surveys	survey	NOUN
fsr-3538	151	7	were	be	AUX
fsr-3538	151	8	provided	provide	VERB
fsr-3538	151	9	to	to	ADP
fsr-3538	151	10	the	the	DET
fsr-3538	151	11	participating	participate	VERB
fsr-3538	151	12	teachers	teacher	NOUN
fsr-3538	151	13	.	.	PUNCT
fsr-3538	152	1	in	in	ADP
fsr-3538	152	2	the	the	DET
fsr-3538	152	3	introductory	introductory	ADJ
fsr-3538	152	4	email	email	NOUN
fsr-3538	152	5	,	,	PUNCT
fsr-3538	152	6	instructors	instructor	NOUN
fsr-3538	152	7	were	be	AUX
fsr-3538	152	8	given	give	VERB
fsr-3538	152	9	directions	direction	NOUN
fsr-3538	152	10	to	to	PART
fsr-3538	152	11	assign	assign	VERB
fsr-3538	152	12	each	each	DET
fsr-3538	152	13	student	student	NOUN
fsr-3538	152	14	a	a	DET
fsr-3538	152	15	unique	unique	ADJ
fsr-3538	152	16	i	i	NOUN
fsr-3538	152	17	d	d	NOUN
fsr-3538	152	18	number	number	NOUN
fsr-3538	152	19	,	,	PUNCT
fsr-3538	152	20	allowing	allow	VERB
fsr-3538	152	21	preand	preand	NOUN
fsr-3538	152	22	post	post	NOUN
fsr-3538	152	23	-	-	NOUN
fsr-3538	152	24	surveys	survey	NOUN
fsr-3538	152	25	to	to	PART
fsr-3538	152	26	be	be	AUX
fsr-3538	152	27	matched	match	VERB
fsr-3538	152	28	for	for	ADP
fsr-3538	152	29	analysis	analysis	NOUN
fsr-3538	152	30	.	.	PUNCT
fsr-3538	153	1	participating	participate	VERB
fsr-3538	153	2	schools	school	NOUN
fsr-3538	153	3	agreed	agree	VERB
fsr-3538	153	4	to	to	PART
fsr-3538	153	5	administer	administer	VERB
fsr-3538	153	6	the	the	DET
fsr-3538	153	7	pre	pre	NOUN
fsr-3538	153	8	-	-	NOUN
fsr-3538	153	9	survey	survey	NOUN
fsr-3538	153	10	before	before	ADP
fsr-3538	153	11	any	any	DET
fsr-3538	153	12	instructional	instructional	ADJ
fsr-3538	153	13	delivery	delivery	NOUN
fsr-3538	153	14	.	.	PUNCT
fsr-3538	154	1	post	post	ADJ
fsr-3538	154	2	-	-	NOUN
fsr-3538	154	3	surveys	survey	NOUN
fsr-3538	154	4	were	be	AUX
fsr-3538	154	5	completed	complete	VERB
fsr-3538	154	6	within	within	ADP
fsr-3538	154	7	a	a	DET
fsr-3538	154	8	week	week	NOUN
fsr-3538	154	9	after	after	ADP
fsr-3538	154	10	completing	complete	VERB
fsr-3538	154	11	the	the	DET
fsr-3538	154	12	last	last	ADJ
fsr-3538	154	13	instructional	instructional	ADJ
fsr-3538	154	14	unit	unit	NOUN
fsr-3538	154	15	on	on	ADP
fsr-3538	154	16	financial	financial	ADJ
fsr-3538	154	17	literacy	literacy	NOUN
fsr-3538	154	18	.	.	PUNCT
fsr-3538	155	1	the	the	DET
fsr-3538	155	2	participants	participant	NOUN
fsr-3538	155	3	of	of	ADP
fsr-3538	155	4	surveys	survey	NOUN
fsr-3538	155	5	that	that	PRON
fsr-3538	155	6	study	study	VERB
fsr-3538	155	7	the	the	DET
fsr-3538	155	8	effectiveness	effectiveness	NOUN
fsr-3538	155	9	of	of	ADP
fsr-3538	155	10	financial	financial	ADJ
fsr-3538	155	11	literacy	literacy	NOUN
fsr-3538	155	12	education	education	NOUN
fsr-3538	155	13	consisted	consist	VERB
fsr-3538	155	14	of	of	ADP
fsr-3538	155	15	2,297	2,297	NUM
fsr-3538	155	16	students	student	NOUN
fsr-3538	155	17	(	(	PUNCT
fsr-3538	155	18	1,622	1,622	NUM
fsr-3538	155	19	in	in	ADP
fsr-3538	155	20	2017	2017	NUM
fsr-3538	155	21	-	-	SYM
fsr-3538	155	22	2019	2019	NUM
fsr-3538	155	23	and	and	CCONJ
fsr-3538	155	24	675	675	NUM
fsr-3538	155	25	in	in	ADP
fsr-3538	155	26	2020	2020	NUM
fsr-3538	155	27	-	-	SYM
fsr-3538	155	28	2021	2021	NUM
fsr-3538	155	29	)	)	PUNCT
fsr-3538	155	30	across	across	ADP
fsr-3538	155	31	108	108	NUM
fsr-3538	155	32	schools	school	NOUN
fsr-3538	155	33	(	(	PUNCT
fsr-3538	155	34	79	79	NUM
fsr-3538	155	35	in	in	ADP
fsr-3538	155	36	2017	2017	NUM
fsr-3538	155	37	-	-	SYM
fsr-3538	155	38	2019	2019	NUM
fsr-3538	155	39	and	and	CCONJ
fsr-3538	155	40	29	29	NUM
fsr-3538	155	41	in	in	ADP
fsr-3538	155	42	2020	2020	NUM
fsr-3538	155	43	-	-	SYM
fsr-3538	155	44	2021	2021	NUM
fsr-3538	155	45	)	)	PUNCT
fsr-3538	155	46	.	.	PUNCT
fsr-3538	156	1	this	this	DET
fsr-3538	156	2	sample	sample	NOUN
fsr-3538	156	3	is	be	AUX
fsr-3538	156	4	labeled	label	VERB
fsr-3538	156	5	the	the	DET
fsr-3538	156	6	“	"	PUNCT
fsr-3538	156	7	whole	whole	ADJ
fsr-3538	156	8	sample	sample	NOUN
fsr-3538	156	9	.	.	PUNCT
fsr-3538	156	10	”	"	PUNCT
fsr-3538	157	1	a	a	DET
fsr-3538	157	2	description	description	NOUN
fsr-3538	157	3	of	of	ADP
fsr-3538	157	4	each	each	DET
fsr-3538	157	5	survey	survey	NOUN
fsr-3538	157	6	follows	follow	VERB
fsr-3538	157	7	:	:	PUNCT
fsr-3538	157	8	•	•	NUM
fsr-3538	157	9	pre	pre	NOUN
fsr-3538	157	10	-	-	NOUN
fsr-3538	157	11	survey	survey	NOUN
fsr-3538	157	12	:	:	PUNCT
fsr-3538	157	13	distributed	distribute	VERB
fsr-3538	157	14	to	to	ADP
fsr-3538	157	15	students	student	NOUN
fsr-3538	157	16	at	at	ADP
fsr-3538	157	17	the	the	DET
fsr-3538	157	18	beginning	beginning	NOUN
fsr-3538	157	19	of	of	ADP
fsr-3538	157	20	the	the	DET
fsr-3538	157	21	financial	financial	ADJ
fsr-3538	157	22	education	education	NOUN
fsr-3538	157	23	program	program	NOUN
fsr-3538	157	24	by	by	ADP
fsr-3538	157	25	teachers	teacher	NOUN
fsr-3538	157	26	that	that	PRON
fsr-3538	157	27	measure	measure	VERB
fsr-3538	157	28	students	student	NOUN
fsr-3538	157	29	’	'	PUNCT
fsr-3538	157	30	initial	initial	ADJ
fsr-3538	157	31	financial	financial	ADJ
fsr-3538	157	32	knowledge	knowledge	NOUN
fsr-3538	157	33	in	in	ADP
fsr-3538	157	34	four	four	NUM
fsr-3538	157	35	main	main	ADJ
fsr-3538	157	36	categories	category	NOUN
fsr-3538	157	37	:	:	PUNCT
fsr-3538	157	38	subjective	subjective	ADJ
fsr-3538	157	39	knowledge	knowledge	NOUN
fsr-3538	157	40	,	,	PUNCT
fsr-3538	157	41	objective	objective	ADJ
fsr-3538	157	42	knowledge	knowledge	NOUN
fsr-3538	157	43	,	,	PUNCT
fsr-3538	157	44	behavior	behavior	NOUN
fsr-3538	157	45	,	,	PUNCT
fsr-3538	157	46	and	and	CCONJ
fsr-3538	157	47	self	self	NOUN
fsr-3538	157	48	-	-	PUNCT
fsr-3538	157	49	esteem	esteem	NOUN
fsr-3538	157	50	.	.	PUNCT
fsr-3538	158	1	g.	g.	NOUN
fsr-3538	158	2	filbeck	filbeck	NOUN
fsr-3538	158	3	and	and	CCONJ
fsr-3538	158	4	x.	x.	NOUN
fsr-3538	158	5	zhao	zhao	PROPN
fsr-3538	158	6	/	/	SYM
fsr-3538	158	7	financial	financial	ADJ
fsr-3538	158	8	services	service	NOUN
fsr-3538	158	9	review	review	VERB
fsr-3538	158	10	31	31	NUM
fsr-3538	158	11	(	(	PUNCT
fsr-3538	158	12	2023	2023	NUM
fsr-3538	158	13	)	)	PUNCT
fsr-3538	158	14	169–196	169–196	NUM
fsr-3538	158	15	175	175	NUM
fsr-3538	158	16	•	•	NUM
fsr-3538	158	17	post	post	NOUN
fsr-3538	158	18	-	-	NOUN
fsr-3538	158	19	survey	survey	NOUN
fsr-3538	158	20	:	:	PUNCT
fsr-3538	158	21	distributed	distribute	VERB
fsr-3538	158	22	to	to	ADP
fsr-3538	158	23	students	student	NOUN
fsr-3538	158	24	upon	upon	SCONJ
fsr-3538	158	25	completion	completion	NOUN
fsr-3538	158	26	of	of	ADP
fsr-3538	158	27	the	the	DET
fsr-3538	158	28	financial	financial	ADJ
fsr-3538	158	29	education	education	NOUN
fsr-3538	158	30	program	program	NOUN
fsr-3538	158	31	by	by	ADP
fsr-3538	158	32	teachers	teacher	NOUN
fsr-3538	158	33	that	that	PRON
fsr-3538	158	34	measure	measure	VERB
fsr-3538	158	35	the	the	DET
fsr-3538	158	36	same	same	ADJ
fsr-3538	158	37	four	four	NUM
fsr-3538	158	38	categories	category	NOUN
fsr-3538	158	39	from	from	ADP
fsr-3538	158	40	the	the	DET
fsr-3538	158	41	pre	pre	NOUN
fsr-3538	158	42	-	-	NOUN
fsr-3538	158	43	survey	survey	NOUN
fsr-3538	158	44	to	to	PART
fsr-3538	158	45	analyze	analyze	VERB
fsr-3538	158	46	.	.	PUNCT
fsr-3538	159	1	different	different	ADJ
fsr-3538	159	2	input	input	NOUN
fsr-3538	159	3	variables	variable	NOUN
fsr-3538	159	4	are	be	AUX
fsr-3538	159	5	used	use	VERB
fsr-3538	159	6	for	for	ADP
fsr-3538	159	7	quantitative	quantitative	ADJ
fsr-3538	159	8	questions	question	NOUN
fsr-3538	159	9	measuring	measure	VERB
fsr-3538	159	10	objective	objective	ADJ
fsr-3538	159	11	knowledge	knowledge	NOUN
fsr-3538	159	12	.	.	PUNCT
fsr-3538	160	1	we	we	PRON
fsr-3538	160	2	also	also	ADV
fsr-3538	160	3	conducted	conduct	VERB
fsr-3538	160	4	a	a	DET
fsr-3538	160	5	teacher	teacher	NOUN
fsr-3538	160	6	survey	survey	NOUN
fsr-3538	160	7	during	during	ADP
fsr-3538	160	8	2020	2020	NUM
fsr-3538	160	9	-	-	SYM
fsr-3538	160	10	2021	2021	NUM
fsr-3538	160	11	to	to	PART
fsr-3538	160	12	obtain	obtain	VERB
fsr-3538	160	13	information	information	NOUN
fsr-3538	160	14	about	about	ADP
fsr-3538	160	15	the	the	DET
fsr-3538	160	16	individual	individual	ADJ
fsr-3538	160	17	financial	financial	ADJ
fsr-3538	160	18	education	education	NOUN
fsr-3538	160	19	programs	program	NOUN
fsr-3538	160	20	,	,	PUNCT
fsr-3538	160	21	including	include	VERB
fsr-3538	160	22	program	program	NOUN
fsr-3538	160	23	length	length	NOUN
fsr-3538	160	24	,	,	PUNCT
fsr-3538	160	25	modality	modality	NOUN
fsr-3538	160	26	,	,	PUNCT
fsr-3538	160	27	and	and	CCONJ
fsr-3538	160	28	resources	resource	NOUN
fsr-3538	160	29	used	use	VERB
fsr-3538	160	30	to	to	PART
fsr-3538	160	31	teach	teach	VERB
fsr-3538	160	32	the	the	DET
fsr-3538	160	33	material	material	NOUN
fsr-3538	160	34	.	.	PUNCT
fsr-3538	161	1	the	the	DET
fsr-3538	161	2	surveys	survey	NOUN
fsr-3538	161	3	distributed	distribute	VERB
fsr-3538	161	4	were	be	AUX
fsr-3538	161	5	extensions	extension	NOUN
fsr-3538	161	6	of	of	ADP
fsr-3538	161	7	the	the	DET
fsr-3538	161	8	work	work	NOUN
fsr-3538	161	9	conducted	conduct	VERB
fsr-3538	161	10	by	by	ADP
fsr-3538	161	11	filbeck	filbeck	NOUN
fsr-3538	161	12	,	,	PUNCT
fsr-3538	161	13	zhao	zhao	NOUN
fsr-3538	161	14	,	,	PUNCT
fsr-3538	161	15	and	and	CCONJ
fsr-3538	161	16	pettner	pettner	NOUN
fsr-3538	161	17	(	(	PUNCT
fsr-3538	161	18	2020	2020	NUM
fsr-3538	161	19	)	)	PUNCT
fsr-3538	161	20	.	.	PUNCT
fsr-3538	162	1	the	the	DET
fsr-3538	162	2	three	three	NUM
fsr-3538	162	3	surveys	survey	NOUN
fsr-3538	162	4	can	can	AUX
fsr-3538	162	5	be	be	AUX
fsr-3538	162	6	found	find	VERB
fsr-3538	162	7	in	in	ADP
fsr-3538	162	8	appendixes	appendix	NOUN
fsr-3538	162	9	a	a	DET
fsr-3538	162	10	,	,	PUNCT
fsr-3538	162	11	b	b	NOUN
fsr-3538	162	12	,	,	PUNCT
fsr-3538	162	13	and	and	CCONJ
fsr-3538	162	14	c.	c.	PROPN
fsr-3538	162	15	table	table	NOUN
fsr-3538	162	16	1	1	NUM
fsr-3538	162	17	reports	report	VERB
fsr-3538	162	18	the	the	DET
fsr-3538	162	19	descriptive	descriptive	ADJ
fsr-3538	162	20	statistics	statistic	NOUN
fsr-3538	162	21	for	for	ADP
fsr-3538	162	22	the	the	DET
fsr-3538	162	23	pre	pre	NOUN
fsr-3538	162	24	-	-	NOUN
fsr-3538	162	25	survey	survey	ADJ
fsr-3538	162	26	and	and	CCONJ
fsr-3538	162	27	post	post	ADJ
fsr-3538	162	28	-	-	ADJ
fsr-3538	162	29	survey	survey	ADJ
fsr-3538	162	30	samples	sample	NOUN
fsr-3538	162	31	.	.	PUNCT
fsr-3538	163	1	the	the	DET
fsr-3538	163	2	pre	pre	ADJ
fsr-3538	163	3	-	-	ADJ
fsr-3538	163	4	survey	survey	ADJ
fsr-3538	163	5	sample	sample	NOUN
fsr-3538	163	6	consists	consist	VERB
fsr-3538	163	7	of	of	ADP
fsr-3538	163	8	2,297	2,297	NUM
fsr-3538	163	9	students	student	NOUN
fsr-3538	163	10	completing	complete	VERB
fsr-3538	163	11	the	the	DET
fsr-3538	163	12	pre	pre	NOUN
fsr-3538	163	13	-	-	NOUN
fsr-3538	163	14	survey	survey	NOUN
fsr-3538	163	15	,	,	PUNCT
fsr-3538	163	16	while	while	SCONJ
fsr-3538	163	17	the	the	DET
fsr-3538	163	18	post	post	ADJ
fsr-3538	163	19	-	-	ADJ
fsr-3538	163	20	survey	survey	ADJ
fsr-3538	163	21	sample	sample	NOUN
fsr-3538	163	22	includes	include	VERB
fsr-3538	163	23	only	only	ADV
fsr-3538	163	24	1,138	1,138	NUM
fsr-3538	163	25	students	student	NOUN
fsr-3538	163	26	who	who	PRON
fsr-3538	163	27	submitted	submit	VERB
fsr-3538	163	28	both	both	PRON
fsr-3538	163	29	a	a	DET
fsr-3538	163	30	preand	preand	NOUN
fsr-3538	163	31	post	post	NOUN
fsr-3538	163	32	-	-	PUNCT
fsr-3538	163	33	survey.[1	survey.[1	ADV
fsr-3538	163	34	]	]	PUNCT
fsr-3538	163	35	of	of	ADP
fsr-3538	163	36	the	the	DET
fsr-3538	163	37	pre	pre	ADJ
fsr-3538	163	38	-	-	ADJ
fsr-3538	163	39	survey	survey	ADJ
fsr-3538	163	40	sample	sample	NOUN
fsr-3538	163	41	,	,	PUNCT
fsr-3538	163	42	2,075	2,075	NUM
fsr-3538	163	43	(	(	PUNCT
fsr-3538	163	44	90.3	90.3	NUM
fsr-3538	163	45	%	%	NOUN
fsr-3538	163	46	)	)	PUNCT
fsr-3538	164	1	students	student	NOUN
fsr-3538	164	2	are	be	AUX
fsr-3538	164	3	in	in	ADP
fsr-3538	164	4	their	their	PRON
fsr-3538	164	5	junior	junior	ADJ
fsr-3538	164	6	or	or	CCONJ
fsr-3538	164	7	senior	senior	ADJ
fsr-3538	164	8	year	year	NOUN
fsr-3538	164	9	;	;	PUNCT
fsr-3538	164	10	in	in	ADP
fsr-3538	164	11	the	the	DET
fsr-3538	164	12	postsurvey	postsurvey	NOUN
fsr-3538	164	13	sample	sample	NOUN
fsr-3538	164	14	,	,	PUNCT
fsr-3538	164	15	1,021	1,021	NUM
fsr-3538	164	16	(	(	PUNCT
fsr-3538	164	17	89.7	89.7	NUM
fsr-3538	164	18	%	%	NOUN
fsr-3538	164	19	)	)	PUNCT
fsr-3538	165	1	students	student	NOUN
fsr-3538	165	2	are	be	AUX
fsr-3538	165	3	in	in	ADP
fsr-3538	165	4	their	their	PRON
fsr-3538	165	5	junior	junior	ADJ
fsr-3538	165	6	or	or	CCONJ
fsr-3538	165	7	senior	senior	ADJ
fsr-3538	165	8	year	year	NOUN
fsr-3538	165	9	.	.	PUNCT
fsr-3538	166	1	female	female	ADJ
fsr-3538	166	2	students	student	NOUN
fsr-3538	166	3	account	account	VERB
fsr-3538	166	4	for	for	ADP
fsr-3538	166	5	approximately	approximately	ADV
fsr-3538	166	6	47.0	47.0	NUM
fsr-3538	166	7	%	%	NOUN
fsr-3538	166	8	and	and	CCONJ
fsr-3538	166	9	48.6	48.6	NUM
fsr-3538	166	10	%	%	NOUN
fsr-3538	166	11	,	,	PUNCT
fsr-3538	166	12	respectively	respectively	ADV
fsr-3538	166	13	,	,	PUNCT
fsr-3538	166	14	in	in	ADP
fsr-3538	166	15	the	the	DET
fsr-3538	166	16	pre	pre	NOUN
fsr-3538	166	17	-	-	NOUN
fsr-3538	166	18	survey	survey	ADJ
fsr-3538	166	19	and	and	CCONJ
fsr-3538	166	20	post	post	ADJ
fsr-3538	166	21	-	-	ADJ
fsr-3538	166	22	survey	survey	ADJ
fsr-3538	166	23	samples	sample	NOUN
fsr-3538	166	24	.	.	PUNCT
fsr-3538	167	1	additionally	additionally	ADV
fsr-3538	167	2	,	,	PUNCT
fsr-3538	167	3	students	student	NOUN
fsr-3538	167	4	who	who	PRON
fsr-3538	167	5	participated	participate	VERB
fsr-3538	167	6	during	during	ADP
fsr-3538	167	7	2020	2020	NUM
fsr-3538	167	8	-	-	SYM
fsr-3538	167	9	2021	2021	NUM
fsr-3538	167	10	make	make	VERB
fsr-3538	167	11	up	up	ADP
fsr-3538	167	12	29.4	29.4	NUM
fsr-3538	167	13	%	%	NOUN
fsr-3538	167	14	in	in	ADP
fsr-3538	167	15	the	the	DET
fsr-3538	167	16	pre	pre	ADJ
fsr-3538	167	17	-	-	ADJ
fsr-3538	167	18	survey	survey	ADJ
fsr-3538	167	19	sample	sample	NOUN
fsr-3538	167	20	and	and	CCONJ
fsr-3538	167	21	26.8	26.8	NUM
fsr-3538	167	22	%	%	NOUN
fsr-3538	167	23	in	in	ADP
fsr-3538	167	24	the	the	DET
fsr-3538	167	25	post	post	ADJ
fsr-3538	167	26	-	-	ADJ
fsr-3538	167	27	survey	survey	ADJ
fsr-3538	167	28	sample	sample	NOUN
fsr-3538	167	29	.	.	PUNCT
fsr-3538	168	1	moreover	moreover	ADV
fsr-3538	168	2	,	,	PUNCT
fsr-3538	168	3	of	of	ADP
fsr-3538	168	4	the	the	DET
fsr-3538	168	5	pre	pre	NOUN
fsr-3538	168	6	-	-	NOUN
fsr-3538	168	7	survey	survey	ADJ
fsr-3538	168	8	(	(	PUNCT
fsr-3538	168	9	postsurvey	postsurvey	ADJ
fsr-3538	168	10	)	)	PUNCT
fsr-3538	168	11	sample	sample	NOUN
fsr-3538	168	12	,	,	PUNCT
fsr-3538	168	13	94.9	94.9	NUM
fsr-3538	168	14	%	%	NOUN
fsr-3538	168	15	(	(	PUNCT
fsr-3538	168	16	98.0	98.0	NUM
fsr-3538	168	17	%	%	NOUN
fsr-3538	168	18	)	)	PUNCT
fsr-3538	168	19	of	of	ADP
fsr-3538	168	20	students	student	NOUN
fsr-3538	168	21	are	be	AUX
fsr-3538	168	22	in	in	ADP
fsr-3538	168	23	their	their	PRON
fsr-3538	168	24	junior	junior	ADJ
fsr-3538	168	25	or	or	CCONJ
fsr-3538	168	26	senior	senior	ADJ
fsr-3538	168	27	years	year	NOUN
fsr-3538	168	28	participated	participate	VERB
fsr-3538	168	29	during	during	ADP
fsr-3538	168	30	2020	2020	NUM
fsr-3538	168	31	-	-	SYM
fsr-3538	168	32	2021	2021	NUM
fsr-3538	168	33	,	,	PUNCT
fsr-3538	168	34	while	while	SCONJ
fsr-3538	168	35	the	the	DET
fsr-3538	168	36	corresponding	correspond	VERB
fsr-3538	168	37	number	number	NOUN
fsr-3538	168	38	is	be	AUX
fsr-3538	168	39	88.0	88.0	NUM
fsr-3538	168	40	%	%	NOUN
fsr-3538	168	41	(	(	PUNCT
fsr-3538	168	42	86.7	86.7	NUM
fsr-3538	168	43	%	%	NOUN
fsr-3538	168	44	)	)	PUNCT
fsr-3538	168	45	.	.	PUNCT
fsr-3538	169	1	this	this	DET
fsr-3538	169	2	finding	finding	NOUN
fsr-3538	169	3	suggests	suggest	VERB
fsr-3538	169	4	a	a	DET
fsr-3538	169	5	higher	high	ADJ
fsr-3538	169	6	percentage	percentage	NOUN
fsr-3538	169	7	of	of	ADP
fsr-3538	169	8	students	student	NOUN
fsr-3538	169	9	who	who	PRON
fsr-3538	169	10	participated	participate	VERB
fsr-3538	169	11	during	during	ADP
fsr-3538	169	12	2020	2020	NUM
fsr-3538	169	13	-	-	SYM
fsr-3538	169	14	2021	2021	NUM
fsr-3538	169	15	with	with	ADP
fsr-3538	169	16	online	online	ADJ
fsr-3538	169	17	/	/	SYM
fsr-3538	169	18	hybrid	hybrid	ADJ
fsr-3538	169	19	learning	learning	NOUN
fsr-3538	169	20	are	be	AUX
fsr-3538	169	21	in	in	ADP
fsr-3538	169	22	their	their	PRON
fsr-3538	169	23	junior	junior	ADJ
fsr-3538	169	24	or	or	CCONJ
fsr-3538	169	25	senior	senior	ADJ
fsr-3538	169	26	years	year	NOUN
fsr-3538	169	27	.	.	PUNCT
fsr-3538	170	1	3.1	3.1	NUM
fsr-3538	170	2	.	.	PUNCT
fsr-3538	171	1	survey	survey	NOUN
fsr-3538	171	2	methodology	methodology	NOUN
fsr-3538	171	3	the	the	DET
fsr-3538	171	4	surveys	survey	NOUN
fsr-3538	171	5	are	be	AUX
fsr-3538	171	6	modified	modify	VERB
fsr-3538	171	7	based	base	VERB
fsr-3538	171	8	on	on	ADP
fsr-3538	171	9	filbeck	filbeck	NOUN
fsr-3538	171	10	,	,	PUNCT
fsr-3538	171	11	zhao	zhao	NOUN
fsr-3538	171	12	,	,	PUNCT
fsr-3538	171	13	and	and	CCONJ
fsr-3538	171	14	pettner	pettner	NOUN
fsr-3538	171	15	(	(	PUNCT
fsr-3538	171	16	2020	2020	NUM
fsr-3538	171	17	)	)	PUNCT
fsr-3538	171	18	based	base	VERB
fsr-3538	171	19	on	on	ADP
fsr-3538	171	20	the	the	DET
fsr-3538	171	21	framework	framework	NOUN
fsr-3538	171	22	established	establish	VERB
fsr-3538	171	23	by	by	ADP
fsr-3538	171	24	tang	tang	NOUN
fsr-3538	171	25	and	and	CCONJ
fsr-3538	171	26	baker	baker	PROPN
fsr-3538	171	27	(	(	PUNCT
fsr-3538	171	28	2016	2016	NUM
fsr-3538	171	29	)	)	PUNCT
fsr-3538	171	30	,	,	PUNCT
fsr-3538	171	31	using	use	VERB
fsr-3538	171	32	path	path	NOUN
fsr-3538	171	33	models	model	NOUN
fsr-3538	171	34	to	to	PART
fsr-3538	171	35	analyze	analyze	VERB
fsr-3538	171	36	the	the	DET
fsr-3538	171	37	relationship	relationship	NOUN
fsr-3538	171	38	table	table	NOUN
fsr-3538	171	39	1	1	NUM
fsr-3538	171	40	sample	sample	NOUN
fsr-3538	171	41	description	description	NOUN
fsr-3538	171	42	grade	grade	NOUN
fsr-3538	171	43	9th	9th	ADJ
fsr-3538	171	44	10th	10th	ADJ
fsr-3538	171	45	11th	11th	ADJ
fsr-3538	171	46	12th	12th	NOUN
fsr-3538	171	47	total	total	ADJ
fsr-3538	171	48	panel	panel	NOUN
fsr-3538	171	49	a.	a.	PROPN
fsr-3538	171	50	whole	whole	PROPN
fsr-3538	171	51	sample	sample	NOUN
fsr-3538	171	52	year	year	NOUN
fsr-3538	171	53	2017–2019	2017–2019	NUM
fsr-3538	171	54	female	female	ADJ
fsr-3538	171	55	36	36	NUM
fsr-3538	171	56	39	39	NUM
fsr-3538	171	57	147	147	NUM
fsr-3538	171	58	536	536	NUM
fsr-3538	171	59	758	758	NUM
fsr-3538	171	60	male	male	NOUN
fsr-3538	171	61	54	54	NUM
fsr-3538	171	62	59	59	NUM
fsr-3538	171	63	194	194	NUM
fsr-3538	171	64	557	557	NUM
fsr-3538	171	65	864	864	NUM
fsr-3538	171	66	year	year	NOUN
fsr-3538	171	67	2020–2021	2020–2021	NUM
fsr-3538	171	68	female	female	ADJ
fsr-3538	171	69	11	11	NUM
fsr-3538	171	70	4	4	NUM
fsr-3538	171	71	200	200	NUM
fsr-3538	171	72	105	105	NUM
fsr-3538	171	73	320	320	NUM
fsr-3538	171	74	male	male	NOUN
fsr-3538	171	75	3	3	NUM
fsr-3538	171	76	16	16	NUM
fsr-3538	171	77	213	213	NUM
fsr-3538	171	78	123	123	NUM
fsr-3538	171	79	355	355	NUM
fsr-3538	171	80	total	total	NOUN
fsr-3538	171	81	104	104	NUM
fsr-3538	171	82	118	118	NUM
fsr-3538	171	83	754	754	NUM
fsr-3538	171	84	1321	1321	NUM
fsr-3538	171	85	2297	2297	NUM
fsr-3538	171	86	panel	panel	PROPN
fsr-3538	171	87	b.	b.	PROPN
fsr-3538	171	88	test	test	PROPN
fsr-3538	171	89	sample	sample	PROPN
fsr-3538	171	90	year	year	NOUN
fsr-3538	171	91	2017–2019	2017–2019	NUM
fsr-3538	171	92	female	female	NOUN
fsr-3538	171	93	19	19	NUM
fsr-3538	171	94	26	26	NUM
fsr-3538	171	95	85	85	NUM
fsr-3538	171	96	264	264	NUM
fsr-3538	171	97	394	394	NUM
fsr-3538	171	98	male	male	NOUN
fsr-3538	171	99	30	30	NUM
fsr-3538	171	100	36	36	NUM
fsr-3538	171	101	112	112	NUM
fsr-3538	171	102	261	261	NUM
fsr-3538	171	103	439	439	NUM
fsr-3538	171	104	year	year	NOUN
fsr-3538	171	105	2020–2021	2020–2021	NUM
fsr-3538	171	106	female	female	ADJ
fsr-3538	171	107	1	1	NUM
fsr-3538	171	108	1	1	NUM
fsr-3538	171	109	106	106	NUM
fsr-3538	171	110	52	52	NUM
fsr-3538	171	111	160	160	NUM
fsr-3538	171	112	male	male	NOUN
fsr-3538	171	113	0	0	NUM
fsr-3538	171	114	4	4	NUM
fsr-3538	171	115	101	101	NUM
fsr-3538	171	116	40	40	NUM
fsr-3538	171	117	145	145	NUM
fsr-3538	171	118	total	total	NOUN
fsr-3538	171	119	50	50	NUM
fsr-3538	171	120	67	67	NUM
fsr-3538	171	121	404	404	NUM
fsr-3538	171	122	617	617	NUM
fsr-3538	171	123	1138	1138	NUM
fsr-3538	171	124	note	note	NOUN
fsr-3538	171	125	.	.	PUNCT
fsr-3538	172	1	table	table	NOUN
fsr-3538	172	2	1	1	NUM
fsr-3538	172	3	shows	show	VERB
fsr-3538	172	4	the	the	DET
fsr-3538	172	5	number	number	NOUN
fsr-3538	172	6	of	of	ADP
fsr-3538	172	7	students	student	NOUN
fsr-3538	172	8	across	across	ADP
fsr-3538	172	9	different	different	ADJ
fsr-3538	172	10	grade	grade	NOUN
fsr-3538	172	11	levels	level	NOUN
fsr-3538	172	12	and	and	CCONJ
fsr-3538	172	13	favorite	favorite	ADJ
fsr-3538	172	14	subjects	subject	NOUN
fsr-3538	172	15	for	for	ADP
fsr-3538	172	16	the	the	DET
fsr-3538	172	17	whole	whole	ADJ
fsr-3538	172	18	sample	sample	NOUN
fsr-3538	172	19	(	(	PUNCT
fsr-3538	172	20	panel	panel	NOUN
fsr-3538	172	21	a	a	NOUN
fsr-3538	172	22	)	)	PUNCT
fsr-3538	172	23	and	and	CCONJ
fsr-3538	172	24	the	the	DET
fsr-3538	172	25	test	test	NOUN
fsr-3538	172	26	sample	sample	NOUN
fsr-3538	172	27	(	(	PUNCT
fsr-3538	172	28	panel	panel	NOUN
fsr-3538	172	29	b	b	NOUN
fsr-3538	172	30	)	)	PUNCT
fsr-3538	172	31	.	.	PUNCT
fsr-3538	173	1	176	176	NUM
fsr-3538	173	2	g.	g.	NOUN
fsr-3538	173	3	filbeck	filbeck	NOUN
fsr-3538	173	4	and	and	CCONJ
fsr-3538	173	5	x.	x.	NOUN
fsr-3538	173	6	zhao	zhao	PROPN
fsr-3538	173	7	/	/	SYM
fsr-3538	173	8	financial	financial	ADJ
fsr-3538	173	9	services	service	NOUN
fsr-3538	173	10	review	review	VERB
fsr-3538	173	11	31	31	NUM
fsr-3538	173	12	(	(	PUNCT
fsr-3538	173	13	2023	2023	NUM
fsr-3538	173	14	)	)	PUNCT
fsr-3538	173	15	169–196	169–196	NUM
fsr-3538	173	16	between	between	ADP
fsr-3538	173	17	characteristics	characteristic	NOUN
fsr-3538	173	18	and	and	CCONJ
fsr-3538	173	19	four	four	NUM
fsr-3538	173	20	financial	financial	ADJ
fsr-3538	173	21	literacy	literacy	NOUN
fsr-3538	173	22	measures	measure	NOUN
fsr-3538	173	23	.	.	PUNCT
fsr-3538	174	1	the	the	DET
fsr-3538	174	2	model	model	NOUN
fsr-3538	174	3	shows	show	VERB
fsr-3538	174	4	independent	independent	ADJ
fsr-3538	174	5	variables	variable	NOUN
fsr-3538	174	6	produce	produce	VERB
fsr-3538	174	7	both	both	CCONJ
fsr-3538	174	8	direct	direct	ADJ
fsr-3538	174	9	and	and	CCONJ
fsr-3538	174	10	indirect	indirect	ADJ
fsr-3538	174	11	effects	effect	NOUN
fsr-3538	174	12	on	on	ADP
fsr-3538	174	13	a	a	DET
fsr-3538	174	14	dependent	dependent	ADJ
fsr-3538	174	15	variable	variable	NOUN
fsr-3538	174	16	.	.	PUNCT
fsr-3538	175	1	behavior	behavior	NOUN
fsr-3538	175	2	(	(	PUNCT
fsr-3538	175	3	subjective	subjective	ADJ
fsr-3538	175	4	)	)	PUNCT
fsr-3538	175	5	is	be	AUX
fsr-3538	175	6	the	the	DET
fsr-3538	175	7	total	total	ADJ
fsr-3538	175	8	score	score	NOUN
fsr-3538	175	9	for	for	ADP
fsr-3538	175	10	the	the	DET
fsr-3538	175	11	questions	question	NOUN
fsr-3538	175	12	in	in	ADP
fsr-3538	175	13	financial	financial	ADJ
fsr-3538	175	14	behavior	behavior	NOUN
fsr-3538	175	15	(	(	PUNCT
fsr-3538	175	16	subjective	subjective	ADJ
fsr-3538	175	17	financial	financial	ADJ
fsr-3538	175	18	knowledge	knowledge	NOUN
fsr-3538	175	19	)	)	PUNCT
fsr-3538	175	20	questions	question	NOUN
fsr-3538	175	21	,	,	PUNCT
fsr-3538	175	22	while	while	SCONJ
fsr-3538	175	23	objective	objective	ADJ
fsr-3538	175	24	(	(	PUNCT
fsr-3538	175	25	idk	idk	INTJ
fsr-3538	175	26	)	)	PUNCT
fsr-3538	175	27	is	be	AUX
fsr-3538	175	28	the	the	DET
fsr-3538	175	29	total	total	ADJ
fsr-3538	175	30	scores	score	NOUN
fsr-3538	175	31	for	for	ADP
fsr-3538	175	32	students	student	NOUN
fsr-3538	175	33	who	who	PRON
fsr-3538	175	34	choose	choose	VERB
fsr-3538	175	35	correct	correct	ADJ
fsr-3538	175	36	answers	answer	NOUN
fsr-3538	175	37	(	(	PUNCT
fsr-3538	175	38	“	"	PUNCT
fsr-3538	175	39	i	i	PRON
fsr-3538	175	40	do	do	AUX
fsr-3538	175	41	n’t	not	PART
fsr-3538	175	42	know	know	VERB
fsr-3538	175	43	”	"	PUNCT
fsr-3538	175	44	answers	answer	NOUN
fsr-3538	175	45	)	)	PUNCT
fsr-3538	175	46	for	for	ADP
fsr-3538	175	47	objective	objective	ADJ
fsr-3538	175	48	questions	question	NOUN
fsr-3538	175	49	.	.	PUNCT
fsr-3538	176	1	we	we	PRON
fsr-3538	176	2	use	use	VERB
fsr-3538	176	3	financial	financial	ADJ
fsr-3538	176	4	behavior	behavior	NOUN
fsr-3538	176	5	scores	score	NOUN
fsr-3538	176	6	(	(	PUNCT
fsr-3538	176	7	behavior	behavior	NOUN
fsr-3538	176	8	)	)	PUNCT
fsr-3538	176	9	,	,	PUNCT
fsr-3538	176	10	subjective	subjective	ADJ
fsr-3538	176	11	financial	financial	ADJ
fsr-3538	176	12	knowledge	knowledge	NOUN
fsr-3538	176	13	scores	score	NOUN
fsr-3538	176	14	(	(	PUNCT
fsr-3538	176	15	subjective	subjective	ADJ
fsr-3538	176	16	)	)	PUNCT
fsr-3538	176	17	,	,	PUNCT
fsr-3538	176	18	correct	correct	ADJ
fsr-3538	176	19	answers	answer	NOUN
fsr-3538	176	20	in	in	ADP
fsr-3538	176	21	the	the	DET
fsr-3538	176	22	objective	objective	ADJ
fsr-3538	176	23	questions	question	NOUN
fsr-3538	176	24	(	(	PUNCT
fsr-3538	176	25	objective	objective	NOUN
fsr-3538	176	26	)	)	PUNCT
fsr-3538	176	27	,	,	PUNCT
fsr-3538	176	28	and	and	CCONJ
fsr-3538	176	29	“	"	PUNCT
fsr-3538	176	30	i	i	PRON
fsr-3538	176	31	do	do	AUX
fsr-3538	176	32	n’t	not	PART
fsr-3538	176	33	know	know	VERB
fsr-3538	176	34	”	"	PUNCT
fsr-3538	176	35	answers	answer	NOUN
fsr-3538	176	36	in	in	ADP
fsr-3538	176	37	the	the	DET
fsr-3538	176	38	objective	objective	ADJ
fsr-3538	176	39	questions	question	NOUN
fsr-3538	176	40	(	(	PUNCT
fsr-3538	176	41	idk	idk	INTJ
fsr-3538	176	42	)	)	PUNCT
fsr-3538	176	43	as	as	ADP
fsr-3538	176	44	dependent	dependent	ADJ
fsr-3538	176	45	variables	variable	NOUN
fsr-3538	176	46	and	and	CCONJ
fsr-3538	176	47	test	test	VERB
fsr-3538	176	48	the	the	DET
fsr-3538	176	49	effect	effect	NOUN
fsr-3538	176	50	of	of	ADP
fsr-3538	176	51	the	the	DET
fsr-3538	176	52	financial	financial	ADJ
fsr-3538	176	53	literacy	literacy	NOUN
fsr-3538	176	54	program	program	NOUN
fsr-3538	176	55	.	.	PUNCT
fsr-3538	177	1	detailed	detailed	ADJ
fsr-3538	177	2	variable	variable	ADJ
fsr-3538	177	3	definitions	definition	NOUN
fsr-3538	177	4	can	can	AUX
fsr-3538	177	5	be	be	AUX
fsr-3538	177	6	found	find	VERB
fsr-3538	177	7	in	in	ADP
fsr-3538	177	8	appendix	appendix	ADJ
fsr-3538	177	9	d.	d.	NOUN
fsr-3538	177	10	we	we	PRON
fsr-3538	177	11	introduce	introduce	VERB
fsr-3538	177	12	several	several	ADJ
fsr-3538	177	13	control	control	NOUN
fsr-3538	177	14	variables	variable	NOUN
fsr-3538	177	15	associated	associate	VERB
fsr-3538	177	16	with	with	ADP
fsr-3538	177	17	our	our	PRON
fsr-3538	177	18	study	study	NOUN
fsr-3538	177	19	.	.	PUNCT
fsr-3538	178	1	in	in	ADP
fsr-3538	178	2	all	all	DET
fsr-3538	178	3	three	three	NUM
fsr-3538	178	4	path	path	NOUN
fsr-3538	178	5	models	model	NOUN
fsr-3538	178	6	,	,	PUNCT
fsr-3538	178	7	we	we	PRON
fsr-3538	178	8	include	include	VERB
fsr-3538	178	9	gender	gender	NOUN
fsr-3538	178	10	(	(	PUNCT
fsr-3538	178	11	female	female	NOUN
fsr-3538	178	12	)	)	PUNCT
fsr-3538	178	13	,	,	PUNCT
fsr-3538	178	14	grade	grade	NOUN
fsr-3538	178	15	level	level	NOUN
fsr-3538	178	16	(	(	PUNCT
fsr-3538	178	17	sophomore	sophomore	NOUN
fsr-3538	178	18	,	,	PUNCT
fsr-3538	178	19	junior	junior	ADJ
fsr-3538	178	20	,	,	PUNCT
fsr-3538	178	21	and	and	CCONJ
fsr-3538	178	22	senior	senior	ADJ
fsr-3538	178	23	)	)	PUNCT
fsr-3538	178	24	,	,	PUNCT
fsr-3538	178	25	favorite	favorite	ADJ
fsr-3538	178	26	subject	subject	NOUN
fsr-3538	178	27	(	(	PUNCT
fsr-3538	178	28	english	english	PROPN
fsr-3538	178	29	,	,	PUNCT
fsr-3538	178	30	math	math	NOUN
fsr-3538	178	31	,	,	PUNCT
fsr-3538	178	32	and	and	CCONJ
fsr-3538	178	33	science	science	NOUN
fsr-3538	178	34	)	)	PUNCT
fsr-3538	178	35	,	,	PUNCT
fsr-3538	178	36	and	and	CCONJ
fsr-3538	178	37	gpa	gpa	PROPN
fsr-3538	178	38	.	.	PROPN
fsr-3538	179	1	following	follow	VERB
fsr-3538	179	2	amagir	amagir	PROPN
fsr-3538	179	3	et	et	PROPN
fsr-3538	179	4	al	al	PROPN
fsr-3538	179	5	.	.	PROPN
fsr-3538	180	1	(	(	PUNCT
fsr-3538	180	2	2018	2018	NUM
fsr-3538	180	3	)	)	PUNCT
fsr-3538	180	4	,	,	PUNCT
fsr-3538	180	5	we	we	PRON
fsr-3538	180	6	also	also	ADV
fsr-3538	180	7	include	include	VERB
fsr-3538	180	8	learning	learn	VERB
fsr-3538	180	9	method	method	NOUN
fsr-3538	180	10	preferences	preference	NOUN
fsr-3538	180	11	(	(	PUNCT
fsr-3538	180	12	learning	learn	VERB
fsr-3538	180	13	by	by	ADP
fsr-3538	180	14	doing	do	VERB
fsr-3538	180	15	[	[	X
fsr-3538	180	16	lbd	lbd	X
fsr-3538	180	17	]	]	PUNCT
fsr-3538	180	18	,	,	PUNCT
fsr-3538	180	19	listening	listen	VERB
fsr-3538	180	20	,	,	PUNCT
fsr-3538	180	21	discussing	discussing	NOUN
fsr-3538	180	22	,	,	PUNCT
fsr-3538	180	23	and	and	CCONJ
fsr-3538	180	24	visual	visual	ADJ
fsr-3538	180	25	)	)	PUNCT
fsr-3538	180	26	as	as	ADP
fsr-3538	180	27	independent	independent	ADJ
fsr-3538	180	28	variables	variable	NOUN
fsr-3538	180	29	that	that	PRON
fsr-3538	180	30	may	may	AUX
fsr-3538	180	31	impact	impact	VERB
fsr-3538	180	32	financial	financial	ADJ
fsr-3538	180	33	literacy	literacy	NOUN
fsr-3538	180	34	program	program	NOUN
fsr-3538	180	35	success	success	NOUN
fsr-3538	180	36	.	.	PUNCT
fsr-3538	181	1	students	student	NOUN
fsr-3538	181	2	’	'	PUNCT
fsr-3538	181	3	preand	preand	VERB
fsr-3538	181	4	post	post	ADJ
fsr-3538	181	5	-	-	ADJ
fsr-3538	181	6	survey	survey	ADJ
fsr-3538	181	7	questions	question	NOUN
fsr-3538	181	8	have	have	AUX
fsr-3538	181	9	been	be	AUX
fsr-3538	181	10	divided	divide	VERB
fsr-3538	181	11	into	into	ADP
fsr-3538	181	12	two	two	NUM
fsr-3538	181	13	major	major	ADJ
fsr-3538	181	14	categories	category	NOUN
fsr-3538	181	15	:	:	PUNCT
fsr-3538	181	16	financial	financial	ADJ
fsr-3538	181	17	behavior	behavior	NOUN
fsr-3538	181	18	and	and	CCONJ
fsr-3538	181	19	financial	financial	ADJ
fsr-3538	181	20	knowledge	knowledge	NOUN
fsr-3538	181	21	.	.	PUNCT
fsr-3538	182	1	financial	financial	ADJ
fsr-3538	182	2	knowledge	knowledge	NOUN
fsr-3538	182	3	questions	question	NOUN
fsr-3538	182	4	are	be	AUX
fsr-3538	182	5	further	far	ADV
fsr-3538	182	6	split	split	VERB
fsr-3538	182	7	into	into	ADP
fsr-3538	182	8	objective	objective	ADJ
fsr-3538	182	9	and	and	CCONJ
fsr-3538	182	10	subjective	subjective	ADJ
fsr-3538	182	11	financial	financial	ADJ
fsr-3538	182	12	knowledge	knowledge	NOUN
fsr-3538	182	13	.	.	PUNCT
fsr-3538	183	1	the	the	DET
fsr-3538	183	2	surveys	survey	NOUN
fsr-3538	183	3	consist	consist	VERB
fsr-3538	183	4	of	of	ADP
fsr-3538	183	5	21	21	NUM
fsr-3538	183	6	questions	question	NOUN
fsr-3538	183	7	:	:	PUNCT
fsr-3538	183	8	three	three	NUM
fsr-3538	183	9	financial	financial	ADJ
fsr-3538	183	10	behavior	behavior	NOUN
fsr-3538	183	11	,	,	PUNCT
fsr-3538	183	12	six	six	NUM
fsr-3538	183	13	objective	objective	ADJ
fsr-3538	183	14	financial	financial	ADJ
fsr-3538	183	15	knowledge	knowledge	NOUN
fsr-3538	183	16	,	,	PUNCT
fsr-3538	183	17	and	and	CCONJ
fsr-3538	183	18	12	12	NUM
fsr-3538	183	19	subjective	subjective	ADJ
fsr-3538	183	20	financial	financial	ADJ
fsr-3538	183	21	knowledge	knowledge	NOUN
fsr-3538	183	22	.	.	PUNCT
fsr-3538	184	1	subjective	subjective	ADJ
fsr-3538	184	2	financial	financial	ADJ
fsr-3538	184	3	knowledge	knowledge	NOUN
fsr-3538	184	4	and	and	CCONJ
fsr-3538	184	5	financial	financial	ADJ
fsr-3538	184	6	behavior	behavior	NOUN
fsr-3538	184	7	questions	question	NOUN
fsr-3538	184	8	are	be	AUX
fsr-3538	184	9	rated	rate	VERB
fsr-3538	184	10	on	on	ADP
fsr-3538	184	11	a	a	DET
fsr-3538	184	12	5	5	NUM
fsr-3538	184	13	-	-	PUNCT
fsr-3538	184	14	point	point	NOUN
fsr-3538	184	15	scale	scale	NOUN
fsr-3538	184	16	ranging	range	VERB
fsr-3538	184	17	from	from	ADP
fsr-3538	184	18	1	1	NUM
fsr-3538	184	19	¼	¼	NOUN
fsr-3538	184	20	strongly	strongly	ADV
fsr-3538	184	21	disagree	disagree	VERB
fsr-3538	184	22	to	to	ADP
fsr-3538	184	23	5	5	NUM
fsr-3538	184	24	¼	¼	NOUN
fsr-3538	184	25	strongly	strongly	ADV
fsr-3538	184	26	agree	agree	VERB
fsr-3538	184	27	.	.	PUNCT
fsr-3538	185	1	the	the	DET
fsr-3538	185	2	three	three	NUM
fsr-3538	185	3	financial	financial	ADJ
fsr-3538	185	4	behavior	behavior	NOUN
fsr-3538	185	5	questions	question	NOUN
fsr-3538	185	6	are	be	AUX
fsr-3538	185	7	“	"	PUNCT
fsr-3538	185	8	i	i	PRON
fsr-3538	185	9	like	like	VERB
fsr-3538	185	10	to	to	PART
fsr-3538	185	11	save	save	VERB
fsr-3538	185	12	money	money	NOUN
fsr-3538	185	13	more	more	ADJ
fsr-3538	185	14	than	than	SCONJ
fsr-3538	185	15	i	i	PRON
fsr-3538	185	16	like	like	VERB
fsr-3538	185	17	to	to	PART
fsr-3538	185	18	spend	spend	VERB
fsr-3538	185	19	it	it	PRON
fsr-3538	185	20	,	,	PUNCT
fsr-3538	185	21	”	"	PUNCT
fsr-3538	185	22	“	"	PUNCT
fsr-3538	185	23	i	i	PRON
fsr-3538	185	24	have	have	VERB
fsr-3538	185	25	a	a	DET
fsr-3538	185	26	checking	checking	NOUN
fsr-3538	185	27	and/or	and/or	CCONJ
fsr-3538	185	28	a	a	DET
fsr-3538	185	29	savings	saving	NOUN
fsr-3538	185	30	account	account	NOUN
fsr-3538	185	31	,	,	PUNCT
fsr-3538	185	32	”	"	PUNCT
fsr-3538	185	33	and	and	CCONJ
fsr-3538	185	34	“	"	PUNCT
fsr-3538	185	35	i	i	PRON
fsr-3538	185	36	have	have	VERB
fsr-3538	185	37	conversations	conversation	NOUN
fsr-3538	185	38	with	with	ADP
fsr-3538	185	39	my	my	PRON
fsr-3538	185	40	parents	parent	NOUN
fsr-3538	185	41	regarding	regard	VERB
fsr-3538	185	42	personal	personal	ADJ
fsr-3538	185	43	finance	finance	NOUN
fsr-3538	185	44	.	.	PUNCT
fsr-3538	185	45	”	"	PUNCT
fsr-3538	186	1	subjective	subjective	ADJ
fsr-3538	186	2	financial	financial	ADJ
fsr-3538	186	3	knowledge	knowledge	NOUN
fsr-3538	186	4	questions	question	NOUN
fsr-3538	186	5	involve	involve	VERB
fsr-3538	186	6	a	a	DET
fsr-3538	186	7	perceived	perceive	VERB
fsr-3538	186	8	understanding	understanding	NOUN
fsr-3538	186	9	of	of	ADP
fsr-3538	186	10	financial	financial	ADJ
fsr-3538	186	11	concepts	concept	NOUN
fsr-3538	186	12	.	.	PUNCT
fsr-3538	187	1	they	they	PRON
fsr-3538	187	2	include	include	VERB
fsr-3538	187	3	questions	question	NOUN
fsr-3538	187	4	such	such	ADJ
fsr-3538	187	5	as	as	ADP
fsr-3538	187	6	“	"	PUNCT
fsr-3538	187	7	i	i	PRON
fsr-3538	187	8	understand	understand	VERB
fsr-3538	187	9	how	how	SCONJ
fsr-3538	187	10	to	to	PART
fsr-3538	187	11	establish	establish	VERB
fsr-3538	187	12	a	a	DET
fsr-3538	187	13	financial	financial	ADJ
fsr-3538	187	14	plan	plan	NOUN
fsr-3538	187	15	,	,	PUNCT
fsr-3538	187	16	”	"	PUNCT
fsr-3538	187	17	or	or	CCONJ
fsr-3538	187	18	“	"	PUNCT
fsr-3538	187	19	i	i	PRON
fsr-3538	187	20	understand	understand	VERB
fsr-3538	187	21	the	the	DET
fsr-3538	187	22	process	process	NOUN
fsr-3538	187	23	by	by	ADP
fsr-3538	187	24	which	which	PRON
fsr-3538	187	25	my	my	PRON
fsr-3538	187	26	parents	parent	NOUN
fsr-3538	187	27	/	/	SYM
fsr-3538	187	28	guardians	guardian	NOUN
fsr-3538	187	29	make	make	VERB
fsr-3538	187	30	financial	financial	ADJ
fsr-3538	187	31	decisions	decision	NOUN
fsr-3538	187	32	.	.	PUNCT
fsr-3538	187	33	”	"	PUNCT
fsr-3538	188	1	five	five	NUM
fsr-3538	188	2	broad	broad	ADJ
fsr-3538	188	3	categories	category	NOUN
fsr-3538	188	4	of	of	ADP
fsr-3538	188	5	financial	financial	ADJ
fsr-3538	188	6	literacy	literacy	NOUN
fsr-3538	188	7	make	make	VERB
fsr-3538	188	8	up	up	ADP
fsr-3538	188	9	the	the	DET
fsr-3538	188	10	survey	survey	NOUN
fsr-3538	188	11	questions	question	NOUN
fsr-3538	188	12	:	:	PUNCT
fsr-3538	188	13	interest	interest	NOUN
fsr-3538	188	14	(	(	PUNCT
fsr-3538	188	15	numeracy	numeracy	NOUN
fsr-3538	188	16	)	)	PUNCT
fsr-3538	188	17	,	,	PUNCT
fsr-3538	188	18	compound	compound	NOUN
fsr-3538	188	19	interest	interest	NOUN
fsr-3538	188	20	,	,	PUNCT
fsr-3538	188	21	inflation	inflation	NOUN
fsr-3538	188	22	,	,	PUNCT
fsr-3538	188	23	and	and	CCONJ
fsr-3538	188	24	credit	credit	NOUN
fsr-3538	188	25	.	.	PUNCT
fsr-3538	189	1	however	however	ADV
fsr-3538	189	2	,	,	PUNCT
fsr-3538	189	3	objective	objective	ADJ
fsr-3538	189	4	financial	financial	ADJ
fsr-3538	189	5	knowledge	knowledge	NOUN
fsr-3538	189	6	questions	question	NOUN
fsr-3538	189	7	are	be	AUX
fsr-3538	189	8	conducted	conduct	VERB
fsr-3538	189	9	with	with	ADP
fsr-3538	189	10	“	"	PUNCT
fsr-3538	189	11	right	right	ADJ
fsr-3538	189	12	”	"	PUNCT
fsr-3538	189	13	or	or	CCONJ
fsr-3538	189	14	“	"	PUNCT
fsr-3538	189	15	wrong	wrong	ADJ
fsr-3538	189	16	”	"	PUNCT
fsr-3538	189	17	answers	answer	NOUN
fsr-3538	189	18	.	.	PUNCT
fsr-3538	190	1	each	each	DET
fsr-3538	190	2	objective	objective	ADJ
fsr-3538	190	3	financial	financial	ADJ
fsr-3538	190	4	knowledge	knowledge	NOUN
fsr-3538	190	5	question	question	NOUN
fsr-3538	190	6	contains	contain	VERB
fsr-3538	190	7	at	at	ADP
fsr-3538	190	8	least	least	ADV
fsr-3538	190	9	one	one	NUM
fsr-3538	190	10	wrong	wrong	ADJ
fsr-3538	190	11	answer	answer	NOUN
fsr-3538	190	12	and	and	CCONJ
fsr-3538	190	13	the	the	DET
fsr-3538	190	14	option	option	NOUN
fsr-3538	190	15	to	to	PART
fsr-3538	190	16	choose	choose	VERB
fsr-3538	190	17	“	"	PUNCT
fsr-3538	190	18	i	i	PRON
fsr-3538	190	19	do	do	AUX
fsr-3538	190	20	n’t	not	PART
fsr-3538	190	21	know	know	VERB
fsr-3538	190	22	.	.	PUNCT
fsr-3538	190	23	”	"	PUNCT
fsr-3538	191	1	the	the	DET
fsr-3538	191	2	questions	question	NOUN
fsr-3538	191	3	are	be	AUX
fsr-3538	191	4	analyzed	analyze	VERB
fsr-3538	191	5	using	use	VERB
fsr-3538	191	6	two	two	NUM
fsr-3538	191	7	methods	method	NOUN
fsr-3538	191	8	:	:	PUNCT
fsr-3538	191	9	willingness	willingness	NOUN
fsr-3538	191	10	to	to	PART
fsr-3538	191	11	answer	answer	VERB
fsr-3538	191	12	and	and	CCONJ
fsr-3538	191	13	correctness	correctness	NOUN
fsr-3538	191	14	.	.	PUNCT
fsr-3538	192	1	the	the	DET
fsr-3538	192	2	first	first	ADJ
fsr-3538	192	3	method	method	NOUN
fsr-3538	192	4	,	,	PUNCT
fsr-3538	192	5	willingness	willingness	NOUN
fsr-3538	192	6	to	to	PART
fsr-3538	192	7	respond	respond	VERB
fsr-3538	192	8	,	,	PUNCT
fsr-3538	192	9	assigns	assign	VERB
fsr-3538	192	10	a	a	DET
fsr-3538	192	11	score	score	NOUN
fsr-3538	192	12	of	of	ADP
fsr-3538	192	13	1	1	NUM
fsr-3538	192	14	for	for	ADP
fsr-3538	192	15	an	an	DET
fsr-3538	192	16	answer	answer	NOUN
fsr-3538	192	17	of	of	ADP
fsr-3538	192	18	“	"	PUNCT
fsr-3538	192	19	i	i	PRON
fsr-3538	192	20	do	do	AUX
fsr-3538	192	21	n’t	not	PART
fsr-3538	192	22	know	know	VERB
fsr-3538	192	23	”	"	PUNCT
fsr-3538	192	24	and	and	CCONJ
fsr-3538	192	25	0	0	NUM
fsr-3538	192	26	for	for	ADP
fsr-3538	192	27	any	any	DET
fsr-3538	192	28	other	other	ADJ
fsr-3538	192	29	answer	answer	NOUN
fsr-3538	192	30	.	.	PUNCT
fsr-3538	193	1	secondly	secondly	ADV
fsr-3538	193	2	,	,	PUNCT
fsr-3538	193	3	questions	question	NOUN
fsr-3538	193	4	with	with	ADP
fsr-3538	193	5	the	the	DET
fsr-3538	193	6	correctness	correctness	NOUN
fsr-3538	193	7	method	method	NOUN
fsr-3538	193	8	assign	assign	VERB
fsr-3538	193	9	a	a	DET
fsr-3538	193	10	score	score	NOUN
fsr-3538	193	11	of	of	ADP
fsr-3538	193	12	1	1	NUM
fsr-3538	193	13	for	for	ADP
fsr-3538	193	14	each	each	DET
fsr-3538	193	15	correct	correct	ADJ
fsr-3538	193	16	answer	answer	NOUN
fsr-3538	193	17	and	and	CCONJ
fsr-3538	193	18	0	0	NUM
fsr-3538	193	19	for	for	ADP
fsr-3538	193	20	any	any	DET
fsr-3538	193	21	other	other	ADJ
fsr-3538	193	22	answer	answer	NOUN
fsr-3538	193	23	.	.	PUNCT
fsr-3538	194	1	the	the	DET
fsr-3538	194	2	teacher	teacher	NOUN
fsr-3538	194	3	survey	survey	NOUN
fsr-3538	194	4	comprises	comprise	VERB
fsr-3538	194	5	five	five	NUM
fsr-3538	194	6	informational	informational	ADJ
fsr-3538	194	7	questions	question	NOUN
fsr-3538	194	8	regarding	regard	VERB
fsr-3538	194	9	how	how	SCONJ
fsr-3538	194	10	the	the	DET
fsr-3538	194	11	instructors	instructor	NOUN
fsr-3538	194	12	teach	teach	VERB
fsr-3538	194	13	financial	financial	ADJ
fsr-3538	194	14	literacy	literacy	NOUN
fsr-3538	194	15	courses	course	NOUN
fsr-3538	194	16	in	in	ADP
fsr-3538	194	17	their	their	PRON
fsr-3538	194	18	respective	respective	ADJ
fsr-3538	194	19	high	high	ADJ
fsr-3538	194	20	schools	school	NOUN
fsr-3538	194	21	.	.	PUNCT
fsr-3538	195	1	of	of	ADP
fsr-3538	195	2	the	the	DET
fsr-3538	195	3	five	five	NUM
fsr-3538	195	4	informative	informative	ADJ
fsr-3538	195	5	questions	question	NOUN
fsr-3538	195	6	,	,	PUNCT
fsr-3538	195	7	two	two	NUM
fsr-3538	195	8	focus	focus	NOUN
fsr-3538	195	9	on	on	ADP
fsr-3538	195	10	the	the	DET
fsr-3538	195	11	mode	mode	NOUN
fsr-3538	195	12	of	of	ADP
fsr-3538	195	13	instruction	instruction	NOUN
fsr-3538	195	14	,	,	PUNCT
fsr-3538	195	15	while	while	SCONJ
fsr-3538	195	16	the	the	DET
fsr-3538	195	17	other	other	ADJ
fsr-3538	195	18	three	three	NUM
fsr-3538	195	19	focus	focus	NOUN
fsr-3538	195	20	on	on	ADP
fsr-3538	195	21	the	the	DET
fsr-3538	195	22	program	program	NOUN
fsr-3538	195	23	’s	’s	PART
fsr-3538	195	24	duration	duration	NOUN
fsr-3538	195	25	.	.	PUNCT
fsr-3538	196	1	questions	question	NOUN
fsr-3538	196	2	regarding	regard	VERB
fsr-3538	196	3	the	the	DET
fsr-3538	196	4	mode	mode	NOUN
fsr-3538	196	5	include	include	VERB
fsr-3538	196	6	:	:	PUNCT
fsr-3538	196	7	“	"	PUNCT
fsr-3538	196	8	how	how	SCONJ
fsr-3538	196	9	are	be	AUX
fsr-3538	196	10	you	you	PRON
fsr-3538	196	11	teaching	teach	VERB
fsr-3538	196	12	the	the	DET
fsr-3538	196	13	material	material	NOUN
fsr-3538	196	14	?	?	PUNCT
fsr-3538	196	15	”	"	PUNCT
fsr-3538	197	1	and	and	CCONJ
fsr-3538	197	2	“	"	PUNCT
fsr-3538	197	3	what	what	DET
fsr-3538	197	4	methods	method	NOUN
fsr-3538	197	5	did	do	AUX
fsr-3538	197	6	you	you	PRON
fsr-3538	197	7	use	use	VERB
fsr-3538	197	8	to	to	PART
fsr-3538	197	9	teach	teach	VERB
fsr-3538	197	10	the	the	DET
fsr-3538	197	11	material	material	NOUN
fsr-3538	197	12	?	?	PUNCT
fsr-3538	197	13	”	"	PUNCT
fsr-3538	198	1	concerning	concern	VERB
fsr-3538	198	2	durational	durational	ADJ
fsr-3538	198	3	questions	question	NOUN
fsr-3538	198	4	,	,	PUNCT
fsr-3538	198	5	these	these	PRON
fsr-3538	198	6	include	include	VERB
fsr-3538	198	7	:	:	PUNCT
fsr-3538	198	8	“	"	PUNCT
fsr-3538	198	9	how	how	SCONJ
fsr-3538	198	10	many	many	ADJ
fsr-3538	198	11	total	total	ADJ
fsr-3538	198	12	contact	contact	NOUN
fsr-3538	198	13	hours	hour	NOUN
fsr-3538	198	14	will	will	AUX
fsr-3538	198	15	you	you	PRON
fsr-3538	198	16	spend	spend	VERB
fsr-3538	198	17	teaching	teach	VERB
fsr-3538	198	18	financial	financial	ADJ
fsr-3538	198	19	literacy	literacy	NOUN
fsr-3538	198	20	?	?	PUNCT
fsr-3538	198	21	”	"	PUNCT
fsr-3538	199	1	“	"	PUNCT
fsr-3538	199	2	how	how	SCONJ
fsr-3538	199	3	often	often	ADV
fsr-3538	199	4	will	will	AUX
fsr-3538	199	5	students	student	NOUN
fsr-3538	199	6	receive	receive	VERB
fsr-3538	199	7	financial	financial	ADJ
fsr-3538	199	8	literacy	literacy	NOUN
fsr-3538	199	9	instruction	instruction	NOUN
fsr-3538	199	10	?	?	PUNCT
fsr-3538	199	11	”	"	PUNCT
fsr-3538	200	1	and	and	CCONJ
fsr-3538	200	2	“	"	PUNCT
fsr-3538	200	3	what	what	PRON
fsr-3538	200	4	best	good	ADJ
fsr-3538	200	5	describes	describe	VERB
fsr-3538	200	6	the	the	DET
fsr-3538	200	7	total	total	ADJ
fsr-3538	200	8	length	length	NOUN
fsr-3538	200	9	of	of	ADP
fsr-3538	200	10	your	your	PRON
fsr-3538	200	11	financial	financial	ADJ
fsr-3538	200	12	literacy	literacy	NOUN
fsr-3538	200	13	instruction	instruction	NOUN
fsr-3538	200	14	program	program	NOUN
fsr-3538	200	15	.	.	PUNCT
fsr-3538	200	16	”	"	PUNCT
fsr-3538	201	1	for	for	ADP
fsr-3538	201	2	2020	2020	NUM
fsr-3538	201	3	-	-	SYM
fsr-3538	201	4	2021	2021	NUM
fsr-3538	201	5	,	,	PUNCT
fsr-3538	201	6	according	accord	VERB
fsr-3538	201	7	to	to	ADP
fsr-3538	201	8	the	the	DET
fsr-3538	201	9	teacher	teacher	NOUN
fsr-3538	201	10	’s	’s	PART
fsr-3538	201	11	survey	survey	NOUN
fsr-3538	201	12	results	result	NOUN
fsr-3538	201	13	,	,	PUNCT
fsr-3538	201	14	teachers	teacher	NOUN
fsr-3538	201	15	conducted	conduct	VERB
fsr-3538	201	16	their	their	PRON
fsr-3538	201	17	programs	program	NOUN
fsr-3538	201	18	in	in	ADP
fsr-3538	201	19	an	an	DET
fsr-3538	201	20	online	online	ADJ
fsr-3538	201	21	/	/	SYM
fsr-3538	201	22	hybrid	hybrid	ADJ
fsr-3538	201	23	mode	mode	NOUN
fsr-3538	201	24	(	(	PUNCT
fsr-3538	201	25	instruction	instruction	NOUN
fsr-3538	201	26	occurring	occur	VERB
fsr-3538	201	27	in	in	ADP
fsr-3538	201	28	a	a	DET
fsr-3538	201	29	combination	combination	NOUN
fsr-3538	201	30	of	of	ADP
fsr-3538	201	31	virtual	virtual	ADJ
fsr-3538	201	32	and	and	CCONJ
fsr-3538	201	33	in	in	ADP
fsr-3538	201	34	-	-	PUNCT
fsr-3538	201	35	person	person	NOUN
fsr-3538	201	36	formats	format	NOUN
fsr-3538	201	37	)	)	PUNCT
fsr-3538	201	38	.	.	PUNCT
fsr-3538	202	1	g.	g.	PROPN
fsr-3538	202	2	filbeck	filbeck	PROPN
fsr-3538	202	3	and	and	CCONJ
fsr-3538	202	4	x.	x.	NOUN
fsr-3538	202	5	zhao	zhao	PROPN
fsr-3538	202	6	/	/	SYM
fsr-3538	202	7	financial	financial	ADJ
fsr-3538	202	8	services	service	NOUN
fsr-3538	202	9	review	review	VERB
fsr-3538	202	10	31	31	NUM
fsr-3538	202	11	(	(	PUNCT
fsr-3538	202	12	2023	2023	NUM
fsr-3538	202	13	)	)	PUNCT
fsr-3538	202	14	169–196	169–196	NUM
fsr-3538	202	15	177	177	NUM
fsr-3538	202	16	4	4	NUM
fsr-3538	202	17	.	.	PUNCT
fsr-3538	202	18	results	result	VERB
fsr-3538	202	19	4.1	4.1	NUM
fsr-3538	202	20	.	.	PUNCT
fsr-3538	203	1	pre	pre	ADJ
fsr-3538	203	2	-	-	ADJ
fsr-3538	203	3	survey	survey	ADJ
fsr-3538	203	4	analysis	analysis	NOUN
fsr-3538	203	5	for	for	ADP
fsr-3538	203	6	the	the	DET
fsr-3538	203	7	t	t	NOUN
fsr-3538	203	8	-	-	PUNCT
fsr-3538	203	9	test	test	NOUN
fsr-3538	203	10	of	of	ADP
fsr-3538	203	11	the	the	DET
fsr-3538	203	12	pre	pre	ADJ
fsr-3538	203	13	-	-	ADJ
fsr-3538	203	14	survey	survey	ADJ
fsr-3538	203	15	responses	response	NOUN
fsr-3538	203	16	,	,	PUNCT
fsr-3538	203	17	two	two	NUM
fsr-3538	203	18	characteristics	characteristic	NOUN
fsr-3538	203	19	are	be	AUX
fsr-3538	203	20	analyzed	analyze	VERB
fsr-3538	203	21	:	:	PUNCT
fsr-3538	203	22	student	student	NOUN
fsr-3538	203	23	gender	gender	NOUN
fsr-3538	203	24	and	and	CCONJ
fsr-3538	203	25	the	the	DET
fsr-3538	203	26	delivery	delivery	NOUN
fsr-3538	203	27	mode	mode	NOUN
fsr-3538	203	28	of	of	ADP
fsr-3538	203	29	content	content	NOUN
fsr-3538	203	30	.	.	PUNCT
fsr-3538	204	1	student	student	NOUN
fsr-3538	204	2	gender	gender	NOUN
fsr-3538	204	3	is	be	AUX
fsr-3538	204	4	divided	divide	VERB
fsr-3538	204	5	into	into	ADP
fsr-3538	204	6	subgroups	subgroup	NOUN
fsr-3538	204	7	(	(	PUNCT
fsr-3538	204	8	female	female	ADJ
fsr-3538	204	9	or	or	CCONJ
fsr-3538	204	10	male	male	NOUN
fsr-3538	204	11	)	)	PUNCT
fsr-3538	204	12	,	,	PUNCT
fsr-3538	204	13	while	while	SCONJ
fsr-3538	204	14	the	the	DET
fsr-3538	204	15	delivery	delivery	NOUN
fsr-3538	204	16	mode	mode	NOUN
fsr-3538	204	17	is	be	AUX
fsr-3538	204	18	based	base	VERB
fsr-3538	204	19	on	on	ADP
fsr-3538	204	20	year	year	NOUN
fsr-3538	204	21	:	:	PUNCT
fsr-3538	204	22	in	in	ADP
fsr-3538	204	23	-	-	PUNCT
fsr-3538	204	24	person	person	NOUN
fsr-3538	204	25	(	(	PUNCT
fsr-3538	204	26	2017	2017	NUM
fsr-3538	204	27	-	-	SYM
fsr-3538	204	28	2019	2019	NUM
fsr-3538	204	29	)	)	PUNCT
fsr-3538	204	30	or	or	CCONJ
fsr-3538	204	31	virtual	virtual	ADJ
fsr-3538	204	32	/	/	SYM
fsr-3538	204	33	hybrid	hybrid	NOUN
fsr-3538	204	34	(	(	PUNCT
fsr-3538	204	35	2020	2020	NUM
fsr-3538	204	36	-	-	SYM
fsr-3538	204	37	2021	2021	NUM
fsr-3538	204	38	)	)	PUNCT
fsr-3538	204	39	.	.	PUNCT
fsr-3538	205	1	table	table	NOUN
fsr-3538	205	2	2	2	NUM
fsr-3538	205	3	lists	list	VERB
fsr-3538	205	4	the	the	DET
fsr-3538	205	5	initial	initial	ADJ
fsr-3538	205	6	results	result	NOUN
fsr-3538	205	7	of	of	ADP
fsr-3538	205	8	the	the	DET
fsr-3538	205	9	pre	pre	NOUN
fsr-3538	205	10	-	-	NOUN
fsr-3538	205	11	surveys	survey	NOUN
fsr-3538	205	12	submitted	submit	VERB
fsr-3538	205	13	by	by	ADP
fsr-3538	205	14	students	student	NOUN
fsr-3538	205	15	categorized	categorize	VERB
fsr-3538	205	16	by	by	ADP
fsr-3538	205	17	the	the	DET
fsr-3538	205	18	four	four	NUM
fsr-3538	205	19	areas	area	NOUN
fsr-3538	205	20	of	of	ADP
fsr-3538	205	21	financial	financial	ADJ
fsr-3538	205	22	knowledge	knowledge	NOUN
fsr-3538	205	23	tested	test	VERB
fsr-3538	205	24	:	:	PUNCT
fsr-3538	205	25	subjective	subjective	ADJ
fsr-3538	205	26	knowledge	knowledge	NOUN
fsr-3538	205	27	,	,	PUNCT
fsr-3538	205	28	objective	objective	ADJ
fsr-3538	205	29	knowledge	knowledge	NOUN
fsr-3538	205	30	,	,	PUNCT
fsr-3538	205	31	financial	financial	ADJ
fsr-3538	205	32	behavior	behavior	NOUN
fsr-3538	205	33	,	,	PUNCT
fsr-3538	205	34	and	and	CCONJ
fsr-3538	205	35	self	self	NOUN
fsr-3538	205	36	-	-	PUNCT
fsr-3538	205	37	esteem	esteem	NOUN
fsr-3538	205	38	.	.	PUNCT
fsr-3538	206	1	we	we	PRON
fsr-3538	206	2	only	only	ADV
fsr-3538	206	3	report	report	VERB
fsr-3538	206	4	the	the	DET
fsr-3538	206	5	total	total	ADJ
fsr-3538	206	6	scores	score	NOUN
fsr-3538	206	7	for	for	ADP
fsr-3538	206	8	each	each	DET
fsr-3538	206	9	area	area	NOUN
fsr-3538	206	10	of	of	ADP
fsr-3538	206	11	financial	financial	ADJ
fsr-3538	206	12	knowledge	knowledge	NOUN
fsr-3538	206	13	in	in	ADP
fsr-3538	206	14	table	table	NOUN
fsr-3538	206	15	2	2	NUM
fsr-3538	206	16	as	as	SCONJ
fsr-3538	206	17	cronbach	cronbach	VERB
fsr-3538	206	18	’s	’s	NOUN
fsr-3538	206	19	a	a	PRON
fsr-3538	206	20	for	for	ADP
fsr-3538	206	21	each	each	DET
fsr-3538	206	22	area	area	NOUN
fsr-3538	206	23	of	of	ADP
fsr-3538	206	24	financial	financial	ADJ
fsr-3538	206	25	literacy	literacy	NOUN
fsr-3538	206	26	ranges	range	VERB
fsr-3538	206	27	between	between	ADP
fsr-3538	206	28	0.71	0.71	NUM
fsr-3538	206	29	-	-	SYM
fsr-3538	206	30	0.88	0.88	NUM
fsr-3538	206	31	,	,	PUNCT
fsr-3538	206	32	which	which	PRON
fsr-3538	206	33	is	be	AUX
fsr-3538	206	34	at	at	ADP
fsr-3538	206	35	an	an	DET
fsr-3538	206	36	acceptable	acceptable	ADJ
fsr-3538	206	37	level	level	NOUN
fsr-3538	206	38	of	of	ADP
fsr-3538	206	39	reliability	reliability	NOUN
fsr-3538	206	40	and	and	CCONJ
fsr-3538	206	41	suggests	suggest	VERB
fsr-3538	206	42	the	the	DET
fsr-3538	206	43	category	category	NOUN
fsr-3538	206	44	totals	total	NOUN
fsr-3538	206	45	are	be	AUX
fsr-3538	206	46	consistent	consistent	ADJ
fsr-3538	206	47	measures	measure	NOUN
fsr-3538	206	48	of	of	ADP
fsr-3538	206	49	each	each	DET
fsr-3538	206	50	question	question	NOUN
fsr-3538	206	51	responses	response	NOUN
fsr-3538	206	52	in	in	ADP
fsr-3538	206	53	that	that	DET
fsr-3538	206	54	category	category	NOUN
fsr-3538	206	55	.	.	PUNCT
fsr-3538	207	1	the	the	DET
fsr-3538	207	2	detailed	detailed	ADJ
fsr-3538	207	3	responses	response	NOUN
fsr-3538	207	4	for	for	ADP
fsr-3538	207	5	each	each	DET
fsr-3538	207	6	question	question	NOUN
fsr-3538	207	7	are	be	AUX
fsr-3538	207	8	reported	report	VERB
fsr-3538	207	9	in	in	ADP
fsr-3538	207	10	appendix	appendix	ADJ
fsr-3538	207	11	e	e	NOUN
fsr-3538	207	12	:	:	PUNCT
fsr-3538	207	13	table	table	NOUN
fsr-3538	207	14	2a	2a	NUM
fsr-3538	207	15	.	.	PUNCT
fsr-3538	208	1	the	the	DET
fsr-3538	208	2	average	average	ADJ
fsr-3538	208	3	responses	response	NOUN
fsr-3538	208	4	are	be	AUX
fsr-3538	208	5	compared	compare	VERB
fsr-3538	208	6	to	to	ADP
fsr-3538	208	7	the	the	DET
fsr-3538	208	8	individual	individual	ADJ
fsr-3538	208	9	subgroups	subgroup	NOUN
fsr-3538	208	10	of	of	ADP
fsr-3538	208	11	gender	gender	NOUN
fsr-3538	208	12	and	and	CCONJ
fsr-3538	208	13	the	the	DET
fsr-3538	208	14	courses	course	NOUN
fsr-3538	208	15	’	'	PUNCT
fsr-3538	208	16	modality	modality	NOUN
fsr-3538	208	17	.	.	PUNCT
fsr-3538	209	1	compared	compare	VERB
fsr-3538	209	2	to	to	ADP
fsr-3538	209	3	the	the	DET
fsr-3538	209	4	total	total	ADJ
fsr-3538	209	5	average	average	ADJ
fsr-3538	209	6	response	response	NOUN
fsr-3538	209	7	score	score	NOUN
fsr-3538	209	8	for	for	ADP
fsr-3538	209	9	subjective	subjective	ADJ
fsr-3538	209	10	financial	financial	ADJ
fsr-3538	209	11	knowledge	knowledge	NOUN
fsr-3538	209	12	questions	question	NOUN
fsr-3538	209	13	,	,	PUNCT
fsr-3538	209	14	female	female	ADJ
fsr-3538	209	15	students	student	NOUN
fsr-3538	209	16	scored	score	VERB
fsr-3538	209	17	lower	low	ADJ
fsr-3538	209	18	than	than	ADP
fsr-3538	209	19	males	male	NOUN
fsr-3538	209	20	(	(	PUNCT
fsr-3538	209	21	statistically	statistically	ADV
fsr-3538	209	22	significant	significant	ADJ
fsr-3538	209	23	at	at	ADP
fsr-3538	209	24	the	the	DET
fsr-3538	209	25	1	1	NUM
fsr-3538	209	26	%	%	NOUN
fsr-3538	209	27	level	level	NOUN
fsr-3538	209	28	)	)	PUNCT
fsr-3538	209	29	.	.	PUNCT
fsr-3538	210	1	students	student	NOUN
fsr-3538	210	2	who	who	PRON
fsr-3538	210	3	learned	learn	VERB
fsr-3538	210	4	virtually	virtually	ADV
fsr-3538	210	5	/	/	SYM
fsr-3538	210	6	hybrid	hybrid	NOUN
fsr-3538	210	7	in	in	ADP
fsr-3538	210	8	2020	2020	NUM
fsr-3538	210	9	-	-	SYM
fsr-3538	210	10	2021	2021	NUM
fsr-3538	210	11	show	show	VERB
fsr-3538	210	12	a	a	DET
fsr-3538	210	13	slightly	slightly	ADV
fsr-3538	210	14	higher	high	ADJ
fsr-3538	210	15	score	score	NOUN
fsr-3538	210	16	than	than	ADP
fsr-3538	210	17	in	in	ADP
fsr-3538	210	18	-	-	PUNCT
fsr-3538	210	19	person	person	NOUN
fsr-3538	210	20	learning	learning	NOUN
fsr-3538	210	21	,	,	PUNCT
fsr-3538	210	22	but	but	CCONJ
fsr-3538	210	23	the	the	DET
fsr-3538	210	24	difference	difference	NOUN
fsr-3538	210	25	is	be	AUX
fsr-3538	210	26	not	not	PART
fsr-3538	210	27	statistically	statistically	ADV
fsr-3538	210	28	significant	significant	ADJ
fsr-3538	210	29	.	.	PUNCT
fsr-3538	211	1	for	for	ADP
fsr-3538	211	2	financial	financial	ADJ
fsr-3538	211	3	behavior	behavior	NOUN
fsr-3538	211	4	,	,	PUNCT
fsr-3538	211	5	students	student	NOUN
fsr-3538	211	6	who	who	PRON
fsr-3538	211	7	partook	partook	VERB
fsr-3538	211	8	in	in	ADP
fsr-3538	211	9	a	a	DET
fsr-3538	211	10	virtual	virtual	ADJ
fsr-3538	211	11	/	/	SYM
fsr-3538	211	12	hybrid	hybrid	ADJ
fsr-3538	211	13	format	format	NOUN
fsr-3538	211	14	are	be	AUX
fsr-3538	211	15	better	well	ADV
fsr-3538	211	16	financially	financially	ADV
fsr-3538	211	17	behaved	behave	VERB
fsr-3538	211	18	(	(	PUNCT
fsr-3538	211	19	statistically	statistically	ADV
fsr-3538	211	20	significant	significant	ADJ
fsr-3538	211	21	at	at	ADP
fsr-3538	211	22	the	the	DET
fsr-3538	211	23	1	1	NUM
fsr-3538	211	24	%	%	NOUN
fsr-3538	211	25	level	level	NOUN
fsr-3538	211	26	)	)	PUNCT
fsr-3538	211	27	,	,	PUNCT
fsr-3538	211	28	while	while	SCONJ
fsr-3538	211	29	no	no	DET
fsr-3538	211	30	statistically	statistically	ADV
fsr-3538	211	31	significant	significant	ADJ
fsr-3538	211	32	differences	difference	NOUN
fsr-3538	211	33	exist	exist	VERB
fsr-3538	211	34	based	base	VERB
fsr-3538	211	35	on	on	ADP
fsr-3538	211	36	table	table	NOUN
fsr-3538	211	37	2	2	NUM
fsr-3538	211	38	differences	difference	NOUN
fsr-3538	211	39	based	base	VERB
fsr-3538	211	40	on	on	ADP
fsr-3538	211	41	student	student	NOUN
fsr-3538	211	42	characteristics	characteristic	NOUN
fsr-3538	211	43	:	:	PUNCT
fsr-3538	211	44	pre	pre	ADJ
fsr-3538	211	45	-	-	ADJ
fsr-3538	211	46	survey	survey	ADJ
fsr-3538	211	47	results	result	NOUN
fsr-3538	211	48	question	question	NOUN
fsr-3538	211	49	type	type	NOUN
fsr-3538	211	50	average	average	ADJ
fsr-3538	211	51	response	response	NOUN
fsr-3538	211	52	gender	gender	NOUN
fsr-3538	211	53	modality	modality	NOUN
fsr-3538	211	54	male	male	NOUN
fsr-3538	211	55	female	female	ADJ
fsr-3538	211	56	in	in	ADP
fsr-3538	211	57	-	-	PUNCT
fsr-3538	211	58	person	person	NOUN
fsr-3538	211	59	online	online	ADJ
fsr-3538	211	60	/	/	SYM
fsr-3538	211	61	hybrid	hybrid	ADJ
fsr-3538	211	62	panel	panel	NOUN
fsr-3538	211	63	a.	a.	NOUN
fsr-3538	211	64	financial	financial	ADJ
fsr-3538	211	65	subjective	subjective	ADJ
fsr-3538	211	66	knowledge	knowledge	NOUN
fsr-3538	211	67	questions	question	NOUN
fsr-3538	211	68	total	total	ADJ
fsr-3538	211	69	score	score	NOUN
fsr-3538	211	70	33.928	33.928	NUM
fsr-3538	212	1	34.571	34.571	NUM
fsr-3538	212	2	33.196	33.196	NUM
fsr-3538	212	3	*	*	NOUN
fsr-3538	212	4	*	*	PUNCT
fsr-3538	212	5	*	*	X
fsr-3538	212	6	33.893	33.893	NUM
fsr-3538	212	7	34.010	34.010	NUM
fsr-3538	212	8	panel	panel	NOUN
fsr-3538	212	9	b.	b.	PROPN
fsr-3538	212	10	financial	financial	ADJ
fsr-3538	212	11	behavior	behavior	NOUN
fsr-3538	212	12	questions	question	NOUN
fsr-3538	212	13	total	total	ADJ
fsr-3538	212	14	score	score	NOUN
fsr-3538	212	15	14.895	14.895	NUM
fsr-3538	212	16	14.835	14.835	NUM
fsr-3538	212	17	14.964	14.964	NUM
fsr-3538	212	18	14.746	14.746	NUM
fsr-3538	212	19	15.254	15.254	NUM
fsr-3538	212	20	*	*	PUNCT
fsr-3538	212	21	*	*	PUNCT
fsr-3538	212	22	*	*	PROPN
fsr-3538	212	23	panel	panel	PROPN
fsr-3538	212	24	c.	c.	PROPN
fsr-3538	212	25	objective	objective	ADJ
fsr-3538	212	26	questions	question	NOUN
fsr-3538	212	27	(	(	PUNCT
fsr-3538	212	28	correct	correct	ADJ
fsr-3538	212	29	answers	answer	NOUN
fsr-3538	212	30	)	)	PUNCT
fsr-3538	212	31	total	total	ADJ
fsr-3538	212	32	score	score	NOUN
fsr-3538	212	33	2.982	2.982	NUM
fsr-3538	212	34	3.253	3.253	NUM
fsr-3538	212	35	2.707	2.707	NUM
fsr-3538	212	36	*	*	PUNCT
fsr-3538	212	37	*	*	PUNCT
fsr-3538	212	38	*	*	PUNCT
fsr-3538	212	39	2.934	2.934	NUM
fsr-3538	212	40	3.100	3.100	NUM
fsr-3538	212	41	*	*	PUNCT
fsr-3538	212	42	*	*	PROPN
fsr-3538	212	43	panel	panel	NOUN
fsr-3538	212	44	d.	d.	PROPN
fsr-3538	212	45	objective	objective	ADJ
fsr-3538	212	46	questions	question	NOUN
fsr-3538	212	47	(	(	PUNCT
fsr-3538	212	48	“	"	PUNCT
fsr-3538	212	49	i	i	PRON
fsr-3538	212	50	do	do	AUX
fsr-3538	212	51	n’t	not	PART
fsr-3538	212	52	know	know	VERB
fsr-3538	212	53	”	"	PUNCT
fsr-3538	212	54	answers	answer	NOUN
fsr-3538	212	55	)	)	PUNCT
fsr-3538	212	56	total	total	ADJ
fsr-3538	212	57	score	score	NOUN
fsr-3538	212	58	1.667	1.667	NUM
fsr-3538	212	59	1.411	1.411	NUM
fsr-3538	212	60	1.977	1.977	NUM
fsr-3538	212	61	*	*	PUNCT
fsr-3538	212	62	*	*	PUNCT
fsr-3538	212	63	*	*	PUNCT
fsr-3538	212	64	1.717	1.717	NUM
fsr-3538	212	65	1.545	1.545	NUM
fsr-3538	212	66	*	*	PUNCT
fsr-3538	212	67	*	*	PUNCT
fsr-3538	212	68	note	note	NOUN
fsr-3538	212	69	.	.	PUNCT
fsr-3538	213	1	table	table	NOUN
fsr-3538	213	2	2	2	NUM
fsr-3538	213	3	shows	show	VERB
fsr-3538	213	4	the	the	DET
fsr-3538	213	5	differences	difference	NOUN
fsr-3538	213	6	of	of	ADP
fsr-3538	213	7	pre	pre	ADJ
fsr-3538	213	8	-	-	ADJ
fsr-3538	213	9	survey	survey	ADJ
fsr-3538	213	10	student	student	NOUN
fsr-3538	213	11	responses	response	NOUN
fsr-3538	213	12	on	on	ADP
fsr-3538	213	13	financial	financial	ADJ
fsr-3538	213	14	knowledge	knowledge	NOUN
fsr-3538	213	15	,	,	PUNCT
fsr-3538	213	16	financial	financial	ADJ
fsr-3538	213	17	behavioral	behavioral	NOUN
fsr-3538	213	18	,	,	PUNCT
fsr-3538	213	19	and	and	CCONJ
fsr-3538	213	20	objective	objective	ADJ
fsr-3538	213	21	questions	question	NOUN
fsr-3538	213	22	across	across	ADP
fsr-3538	213	23	different	different	ADJ
fsr-3538	213	24	gender	gender	NOUN
fsr-3538	213	25	and	and	CCONJ
fsr-3538	213	26	gpas	gpa	NOUN
fsr-3538	213	27	for	for	ADP
fsr-3538	213	28	the	the	DET
fsr-3538	213	29	whole	whole	ADJ
fsr-3538	213	30	sample	sample	NOUN
fsr-3538	213	31	.	.	PUNCT
fsr-3538	214	1	we	we	PRON
fsr-3538	214	2	only	only	ADV
fsr-3538	214	3	report	report	VERB
fsr-3538	214	4	total	total	ADJ
fsr-3538	214	5	scores	score	NOUN
fsr-3538	214	6	for	for	ADP
fsr-3538	214	7	each	each	DET
fsr-3538	214	8	category	category	NOUN
fsr-3538	214	9	as	as	SCONJ
fsr-3538	214	10	cronbach	cronbach	VERB
fsr-3538	214	11	’s	’s	PART
fsr-3538	214	12	alpha	alpha	NOUN
fsr-3538	214	13	for	for	ADP
fsr-3538	214	14	each	each	DET
fsr-3538	214	15	category	category	NOUN
fsr-3538	214	16	ranges	range	VERB
fsr-3538	214	17	between	between	ADP
fsr-3538	214	18	0.71	0.71	NUM
fsr-3538	214	19	-	-	SYM
fsr-3538	214	20	0.88	0.88	NUM
fsr-3538	214	21	,	,	PUNCT
fsr-3538	214	22	which	which	PRON
fsr-3538	214	23	is	be	AUX
fsr-3538	214	24	at	at	ADP
fsr-3538	214	25	an	an	DET
fsr-3538	214	26	acceptable	acceptable	ADJ
fsr-3538	214	27	level	level	NOUN
fsr-3538	214	28	for	for	ADP
fsr-3538	214	29	internal	internal	ADJ
fsr-3538	214	30	consistency	consistency	NOUN
fsr-3538	214	31	.	.	PUNCT
fsr-3538	215	1	detailed	detailed	ADJ
fsr-3538	215	2	responses	response	NOUN
fsr-3538	215	3	for	for	ADP
fsr-3538	215	4	each	each	DET
fsr-3538	215	5	question	question	NOUN
fsr-3538	215	6	can	can	AUX
fsr-3538	215	7	be	be	AUX
fsr-3538	215	8	found	find	VERB
fsr-3538	215	9	in	in	ADP
fsr-3538	215	10	appendix	appendix	NOUN
fsr-3538	215	11	:	:	PUNCT
fsr-3538	215	12	table	table	NOUN
fsr-3538	215	13	2a	2a	NUM
fsr-3538	215	14	.	.	PUNCT
fsr-3538	216	1	gender	gender	NOUN
fsr-3538	216	2	is	be	AUX
fsr-3538	216	3	identified	identify	VERB
fsr-3538	216	4	as	as	ADP
fsr-3538	216	5	a	a	DET
fsr-3538	216	6	dummy	dummy	ADJ
fsr-3538	216	7	variable	variable	NOUN
fsr-3538	216	8	equal	equal	ADJ
fsr-3538	216	9	to	to	ADP
fsr-3538	216	10	1	1	NUM
fsr-3538	216	11	if	if	SCONJ
fsr-3538	216	12	the	the	DET
fsr-3538	216	13	student	student	NOUN
fsr-3538	216	14	is	be	AUX
fsr-3538	216	15	female	female	ADJ
fsr-3538	216	16	and	and	CCONJ
fsr-3538	216	17	0	0	NUM
fsr-3538	216	18	otherwise	otherwise	ADV
fsr-3538	216	19	.	.	PUNCT
fsr-3538	217	1	modality	modality	NOUN
fsr-3538	217	2	is	be	AUX
fsr-3538	217	3	denoted	denote	VERB
fsr-3538	217	4	as	as	ADP
fsr-3538	217	5	a	a	DET
fsr-3538	217	6	dummy	dummy	ADJ
fsr-3538	217	7	variable	variable	NOUN
fsr-3538	217	8	equal	equal	ADJ
fsr-3538	217	9	to	to	ADP
fsr-3538	217	10	one	one	NUM
fsr-3538	217	11	if	if	SCONJ
fsr-3538	217	12	the	the	DET
fsr-3538	217	13	sample	sample	NOUN
fsr-3538	217	14	comes	come	VERB
fsr-3538	217	15	from	from	ADP
fsr-3538	217	16	an	an	DET
fsr-3538	217	17	online	online	ADJ
fsr-3538	217	18	/	/	SYM
fsr-3538	217	19	hybrid	hybrid	NOUN
fsr-3538	217	20	modality	modality	NOUN
fsr-3538	217	21	,	,	PUNCT
fsr-3538	217	22	the	the	DET
fsr-3538	217	23	2020	2020	NUM
fsr-3538	217	24	-	-	SYM
fsr-3538	217	25	2021	2021	NUM
fsr-3538	217	26	sample	sample	NOUN
fsr-3538	217	27	,	,	PUNCT
fsr-3538	217	28	otherwise	otherwise	ADV
fsr-3538	217	29	,	,	PUNCT
fsr-3538	217	30	the	the	DET
fsr-3538	217	31	dummy	dummy	ADJ
fsr-3538	217	32	variable	variable	NOUN
fsr-3538	217	33	is	be	AUX
fsr-3538	217	34	zero	zero	NUM
fsr-3538	217	35	,	,	PUNCT
fsr-3538	217	36	indicating	indicate	VERB
fsr-3538	217	37	an	an	DET
fsr-3538	217	38	in	in	ADP
fsr-3538	217	39	-	-	PUNCT
fsr-3538	217	40	person	person	NOUN
fsr-3538	217	41	structure	structure	NOUN
fsr-3538	217	42	based	base	VERB
fsr-3538	217	43	on	on	ADP
fsr-3538	217	44	the	the	DET
fsr-3538	217	45	sample	sample	NOUN
fsr-3538	217	46	from	from	ADP
fsr-3538	217	47	2017	2017	NUM
fsr-3538	217	48	to	to	ADP
fsr-3538	217	49	2019	2019	NUM
fsr-3538	217	50	.	.	PUNCT
fsr-3538	218	1	we	we	PRON
fsr-3538	218	2	also	also	ADV
fsr-3538	218	3	conduct	conduct	VERB
fsr-3538	218	4	a	a	DET
fsr-3538	218	5	t	t	NOUN
fsr-3538	218	6	-	-	PUNCT
fsr-3538	218	7	test	test	NOUN
fsr-3538	218	8	to	to	PART
fsr-3538	218	9	test	test	VERB
fsr-3538	218	10	the	the	DET
fsr-3538	218	11	differences	difference	NOUN
fsr-3538	218	12	in	in	ADP
fsr-3538	218	13	gender	gender	NOUN
fsr-3538	218	14	(	(	PUNCT
fsr-3538	218	15	i.e.	i.e.	X
fsr-3538	218	16	,	,	PUNCT
fsr-3538	218	17	male	male	ADJ
fsr-3538	218	18	vs.	vs.	X
fsr-3538	218	19	female	female	NOUN
fsr-3538	218	20	)	)	PUNCT
fsr-3538	218	21	and	and	CCONJ
fsr-3538	218	22	modality	modality	NOUN
fsr-3538	218	23	(	(	PUNCT
fsr-3538	218	24	in	in	ADP
fsr-3538	218	25	-	-	PUNCT
fsr-3538	218	26	person	person	NOUN
fsr-3538	218	27	vs.	vs.	ADP
fsr-3538	218	28	online	online	NOUN
fsr-3538	218	29	/	/	SYM
fsr-3538	218	30	hybrid	hybrid	NOUN
fsr-3538	218	31	)	)	PUNCT
fsr-3538	218	32	.	.	PUNCT
fsr-3538	219	1	we	we	PRON
fsr-3538	219	2	use	use	VERB
fsr-3538	219	3	asterisks	asterisk	NOUN
fsr-3538	219	4	to	to	PART
fsr-3538	219	5	show	show	VERB
fsr-3538	219	6	the	the	DET
fsr-3538	219	7	significance	significance	NOUN
fsr-3538	219	8	of	of	ADP
fsr-3538	219	9	the	the	DET
fsr-3538	219	10	t	t	NOUN
fsr-3538	219	11	-	-	PUNCT
fsr-3538	219	12	test	test	NOUN
fsr-3538	219	13	result	result	NOUN
fsr-3538	219	14	.	.	PUNCT
fsr-3538	220	1	*	*	PUNCT
fsr-3538	221	1	*	*	PUNCT
fsr-3538	221	2	*	*	PUNCT
fsr-3538	221	3	,	,	PUNCT
fsr-3538	221	4	*	*	PUNCT
fsr-3538	221	5	*	*	PUNCT
fsr-3538	221	6	,	,	PUNCT
fsr-3538	221	7	*	*	PUNCT
fsr-3538	221	8	indicate	indicate	VERB
fsr-3538	221	9	statistical	statistical	ADJ
fsr-3538	221	10	significance	significance	NOUN
fsr-3538	221	11	at	at	ADP
fsr-3538	221	12	0.01	0.01	NUM
fsr-3538	221	13	,	,	PUNCT
fsr-3538	221	14	0.05	0.05	NUM
fsr-3538	221	15	,	,	PUNCT
fsr-3538	221	16	and	and	CCONJ
fsr-3538	221	17	0.10	0.10	NUM
fsr-3538	221	18	level	level	NOUN
fsr-3538	221	19	,	,	PUNCT
fsr-3538	221	20	respectively	respectively	ADV
fsr-3538	221	21	.	.	PUNCT
fsr-3538	221	22	178	178	NUM
fsr-3538	221	23	g.	g.	NOUN
fsr-3538	221	24	filbeck	filbeck	NOUN
fsr-3538	221	25	and	and	CCONJ
fsr-3538	221	26	x.	x.	NOUN
fsr-3538	221	27	zhao	zhao	PROPN
fsr-3538	221	28	/	/	SYM
fsr-3538	221	29	financial	financial	ADJ
fsr-3538	221	30	services	service	NOUN
fsr-3538	221	31	review	review	VERB
fsr-3538	221	32	31	31	NUM
fsr-3538	221	33	(	(	PUNCT
fsr-3538	221	34	2023	2023	NUM
fsr-3538	221	35	)	)	PUNCT
fsr-3538	221	36	169–196	169–196	NUM
fsr-3538	221	37	gender	gender	NOUN
fsr-3538	221	38	.	.	PUNCT
fsr-3538	222	1	females	female	NOUN
fsr-3538	222	2	scored	score	VERB
fsr-3538	222	3	lower	lower	ADV
fsr-3538	222	4	in	in	ADP
fsr-3538	222	5	correctness	correctness	NOUN
fsr-3538	222	6	and	and	CCONJ
fsr-3538	222	7	self	self	NOUN
fsr-3538	222	8	-	-	PUNCT
fsr-3538	222	9	esteem	esteem	NOUN
fsr-3538	222	10	regarding	regard	VERB
fsr-3538	222	11	objective	objective	ADJ
fsr-3538	222	12	financial	financial	ADJ
fsr-3538	222	13	knowledge	knowledge	NOUN
fsr-3538	222	14	,	,	PUNCT
fsr-3538	222	15	while	while	SCONJ
fsr-3538	222	16	virtually	virtually	ADV
fsr-3538	222	17	/	/	SYM
fsr-3538	222	18	hybrid	hybrid	ADJ
fsr-3538	222	19	trained	train	VERB
fsr-3538	222	20	students	student	NOUN
fsr-3538	222	21	scored	score	VERB
fsr-3538	222	22	higher	higher	ADV
fsr-3538	222	23	in	in	ADP
fsr-3538	222	24	correctness	correctness	NOUN
fsr-3538	222	25	and	and	CCONJ
fsr-3538	222	26	selfesteem	selfesteem	ADJ
fsr-3538	222	27	(	(	PUNCT
fsr-3538	222	28	statistically	statistically	ADV
fsr-3538	222	29	significant	significant	ADJ
fsr-3538	222	30	at	at	ADP
fsr-3538	222	31	the	the	DET
fsr-3538	222	32	1	1	NUM
fsr-3538	222	33	%	%	NOUN
fsr-3538	222	34	level	level	NOUN
fsr-3538	222	35	)	)	PUNCT
fsr-3538	222	36	.	.	PUNCT
fsr-3538	223	1	this	this	DET
fsr-3538	223	2	finding	finding	NOUN
fsr-3538	223	3	is	be	AUX
fsr-3538	223	4	consistent	consistent	ADJ
fsr-3538	223	5	with	with	ADP
fsr-3538	223	6	our	our	PRON
fsr-3538	223	7	h2a	h2a	NOUN
fsr-3538	223	8	in	in	SCONJ
fsr-3538	223	9	that	that	DET
fsr-3538	223	10	male	male	ADJ
fsr-3538	223	11	students	student	NOUN
fsr-3538	223	12	have	have	VERB
fsr-3538	223	13	better	well	ADJ
fsr-3538	223	14	baseline	baseline	VERB
fsr-3538	223	15	financial	financial	ADJ
fsr-3538	223	16	literacy	literacy	NOUN
fsr-3538	223	17	than	than	ADP
fsr-3538	223	18	female	female	ADJ
fsr-3538	223	19	students	student	NOUN
fsr-3538	223	20	before	before	ADP
fsr-3538	223	21	the	the	DET
fsr-3538	223	22	survey	survey	NOUN
fsr-3538	223	23	in	in	ADP
fsr-3538	223	24	all	all	DET
fsr-3538	223	25	areas	area	NOUN
fsr-3538	223	26	except	except	SCONJ
fsr-3538	223	27	for	for	ADP
fsr-3538	223	28	financial	financial	ADJ
fsr-3538	223	29	behavior	behavior	NOUN
fsr-3538	223	30	.	.	PUNCT
fsr-3538	224	1	our	our	PRON
fsr-3538	224	2	results	result	NOUN
fsr-3538	224	3	are	be	AUX
fsr-3538	224	4	consistent	consistent	ADJ
fsr-3538	224	5	with	with	ADP
fsr-3538	224	6	riener	riener	NOUN
fsr-3538	224	7	and	and	CCONJ
fsr-3538	224	8	wagner	wagner	PROPN
fsr-3538	224	9	(	(	PUNCT
fsr-3538	224	10	2017	2017	NUM
fsr-3538	224	11	)	)	PUNCT
fsr-3538	224	12	and	and	CCONJ
fsr-3538	224	13	saygin	saygin	NOUN
fsr-3538	224	14	and	and	CCONJ
fsr-3538	224	15	atwater	atwater	NOUN
fsr-3538	224	16	(	(	PUNCT
fsr-3538	224	17	2021	2021	NUM
fsr-3538	224	18	)	)	PUNCT
fsr-3538	224	19	and	and	CCONJ
fsr-3538	224	20	may	may	AUX
fsr-3538	224	21	support	support	VERB
fsr-3538	224	22	the	the	DET
fsr-3538	224	23	stereotype	stereotype	NOUN
fsr-3538	224	24	threat	threat	NOUN
fsr-3538	224	25	explanation	explanation	NOUN
fsr-3538	224	26	.	.	PUNCT
fsr-3538	225	1	this	this	DET
fsr-3538	225	2	explanation	explanation	NOUN
fsr-3538	225	3	would	would	AUX
fsr-3538	225	4	argue	argue	VERB
fsr-3538	225	5	the	the	DET
fsr-3538	225	6	gender	gender	NOUN
fsr-3538	225	7	gap	gap	NOUN
fsr-3538	225	8	vanishes	vanish	VERB
fsr-3538	225	9	if	if	SCONJ
fsr-3538	225	10	the	the	DET
fsr-3538	225	11	task	task	NOUN
fsr-3538	225	12	’s	’s	PART
fsr-3538	225	13	difficulty	difficulty	NOUN
fsr-3538	225	14	is	be	AUX
fsr-3538	225	15	made	make	VERB
fsr-3538	225	16	less	less	ADJ
fsr-3538	225	17	salient	salient	NOUN
fsr-3538	225	18	(	(	PUNCT
fsr-3538	225	19	riener	riener	PROPN
fsr-3538	225	20	&	&	CCONJ
fsr-3538	225	21	wagner	wagner	PROPN
fsr-3538	225	22	,	,	PUNCT
fsr-3538	225	23	2017	2017	NUM
fsr-3538	225	24	)	)	PUNCT
fsr-3538	225	25	.	.	PUNCT
fsr-3538	226	1	table	table	NOUN
fsr-3538	226	2	3	3	NUM
fsr-3538	226	3	reports	report	NOUN
fsr-3538	226	4	pearson	pearson	NOUN
fsr-3538	226	5	correlations	correlation	NOUN
fsr-3538	226	6	between	between	ADP
fsr-3538	226	7	financial	financial	ADJ
fsr-3538	226	8	behavior	behavior	NOUN
fsr-3538	226	9	and	and	CCONJ
fsr-3538	226	10	self	self	NOUN
fsr-3538	226	11	-	-	PUNCT
fsr-3538	226	12	esteem	esteem	NOUN
fsr-3538	226	13	(	(	PUNCT
fsr-3538	226	14	idk	idk	PROPN
fsr-3538	226	15	)	)	PUNCT
fsr-3538	226	16	,	,	PUNCT
fsr-3538	226	17	subjective	subjective	ADJ
fsr-3538	226	18	,	,	PUNCT
fsr-3538	226	19	and	and	CCONJ
fsr-3538	226	20	objective	objective	ADJ
fsr-3538	226	21	financial	financial	ADJ
fsr-3538	226	22	knowledge	knowledge	NOUN
fsr-3538	226	23	for	for	ADP
fsr-3538	226	24	both	both	CCONJ
fsr-3538	226	25	the	the	DET
fsr-3538	226	26	whole	whole	ADJ
fsr-3538	226	27	sample	sample	NOUN
fsr-3538	226	28	and	and	CCONJ
fsr-3538	226	29	the	the	DET
fsr-3538	226	30	two	two	NUM
fsr-3538	226	31	subsamples	subsample	NOUN
fsr-3538	226	32	.	.	PUNCT
fsr-3538	227	1	financial	financial	ADJ
fsr-3538	227	2	behavior	behavior	NOUN
fsr-3538	227	3	,	,	PUNCT
fsr-3538	227	4	objective	objective	NOUN
fsr-3538	227	5	,	,	PUNCT
fsr-3538	227	6	and	and	CCONJ
fsr-3538	227	7	subjective	subjective	ADJ
fsr-3538	227	8	knowledge	knowledge	NOUN
fsr-3538	227	9	are	be	AUX
fsr-3538	227	10	significantly	significantly	ADV
fsr-3538	227	11	correlated	correlate	VERB
fsr-3538	227	12	with	with	ADP
fsr-3538	227	13	each	each	DET
fsr-3538	227	14	other	other	ADJ
fsr-3538	227	15	.	.	PUNCT
fsr-3538	228	1	idk	idk	PROPN
fsr-3538	228	2	is	be	AUX
fsr-3538	228	3	significantly	significantly	ADV
fsr-3538	228	4	negatively	negatively	ADV
fsr-3538	228	5	correlated	correlate	VERB
fsr-3538	228	6	with	with	ADP
fsr-3538	228	7	the	the	DET
fsr-3538	228	8	other	other	ADJ
fsr-3538	228	9	three	three	NUM
fsr-3538	228	10	measures	measure	NOUN
fsr-3538	228	11	of	of	ADP
fsr-3538	228	12	financial	financial	ADJ
fsr-3538	228	13	literacy	literacy	NOUN
fsr-3538	228	14	,	,	PUNCT
fsr-3538	228	15	which	which	PRON
fsr-3538	228	16	indicates	indicate	VERB
fsr-3538	228	17	a	a	DET
fsr-3538	228	18	positive	positive	ADJ
fsr-3538	228	19	correlation	correlation	NOUN
fsr-3538	228	20	between	between	ADP
fsr-3538	228	21	self	self	NOUN
fsr-3538	228	22	-	-	PUNCT
fsr-3538	228	23	esteem	esteem	NOUN
fsr-3538	228	24	level	level	NOUN
fsr-3538	228	25	and	and	CCONJ
fsr-3538	228	26	the	the	DET
fsr-3538	228	27	other	other	ADJ
fsr-3538	228	28	three	three	NUM
fsr-3538	228	29	measures	measure	NOUN
fsr-3538	228	30	of	of	ADP
fsr-3538	228	31	financial	financial	ADJ
fsr-3538	228	32	literacy	literacy	NOUN
fsr-3538	228	33	.	.	PUNCT
fsr-3538	229	1	naturally	naturally	ADV
fsr-3538	229	2	,	,	PUNCT
fsr-3538	229	3	because	because	SCONJ
fsr-3538	229	4	of	of	ADP
fsr-3538	229	5	the	the	DET
fsr-3538	229	6	setup	setup	NOUN
fsr-3538	229	7	of	of	ADP
fsr-3538	229	8	the	the	DET
fsr-3538	229	9	self	self	NOUN
fsr-3538	229	10	-	-	PUNCT
fsr-3538	229	11	esteem	esteem	NOUN
fsr-3538	229	12	measure	measure	NOUN
fsr-3538	229	13	,	,	PUNCT
fsr-3538	229	14	we	we	PRON
fsr-3538	229	15	find	find	VERB
fsr-3538	229	16	a	a	DET
fsr-3538	229	17	negative	negative	ADJ
fsr-3538	229	18	correlation	correlation	NOUN
fsr-3538	229	19	(	(	PUNCT
fsr-3538	229	20	"	"	PUNCT
fsr-3538	229	21	0.76	0.76	NUM
fsr-3538	229	22	)	)	PUNCT
fsr-3538	229	23	between	between	ADP
fsr-3538	229	24	idk	idk	PROPN
fsr-3538	229	25	answers	answer	NOUN
fsr-3538	229	26	and	and	CCONJ
fsr-3538	229	27	objective	objective	ADJ
fsr-3538	229	28	knowledge	knowledge	NOUN
fsr-3538	229	29	.	.	PUNCT
fsr-3538	230	1	comparing	compare	VERB
fsr-3538	230	2	in	in	ADP
fsr-3538	230	3	-	-	PUNCT
fsr-3538	230	4	person	person	NOUN
fsr-3538	230	5	and	and	CCONJ
fsr-3538	230	6	virtually	virtually	ADV
fsr-3538	230	7	/	/	SYM
fsr-3538	230	8	hybrid	hybrid	ADJ
fsr-3538	230	9	learning	learning	NOUN
fsr-3538	230	10	modality	modality	NOUN
fsr-3538	230	11	,	,	PUNCT
fsr-3538	230	12	we	we	PRON
fsr-3538	230	13	do	do	AUX
fsr-3538	230	14	not	not	PART
fsr-3538	230	15	observe	observe	VERB
fsr-3538	230	16	significant	significant	ADJ
fsr-3538	230	17	differences	difference	NOUN
fsr-3538	230	18	in	in	ADP
fsr-3538	230	19	correlations	correlation	NOUN
fsr-3538	230	20	between	between	ADP
fsr-3538	230	21	these	these	DET
fsr-3538	230	22	four	four	NUM
fsr-3538	230	23	variables	variable	NOUN
fsr-3538	230	24	during	during	ADP
fsr-3538	230	25	2017	2017	NUM
fsr-3538	230	26	-	-	SYM
fsr-3538	230	27	2019	2019	NUM
fsr-3538	230	28	and	and	CCONJ
fsr-3538	230	29	20202021	20202021	NUM
fsr-3538	230	30	.	.	PUNCT
fsr-3538	231	1	4.2	4.2	NUM
fsr-3538	231	2	.	.	PUNCT
fsr-3538	232	1	post	post	ADJ
fsr-3538	232	2	-	-	ADJ
fsr-3538	232	3	survey	survey	ADJ
fsr-3538	232	4	analysis	analysis	NOUN
fsr-3538	232	5	the	the	DET
fsr-3538	232	6	results	result	NOUN
fsr-3538	232	7	of	of	ADP
fsr-3538	232	8	the	the	DET
fsr-3538	232	9	preand	preand	NOUN
fsr-3538	232	10	post	post	NOUN
fsr-3538	232	11	-	-	NOUN
fsr-3538	232	12	surveys	survey	NOUN
fsr-3538	232	13	are	be	AUX
fsr-3538	232	14	compared	compare	VERB
fsr-3538	232	15	using	use	VERB
fsr-3538	232	16	the	the	DET
fsr-3538	232	17	post	post	ADJ
fsr-3538	232	18	-	-	ADJ
fsr-3538	232	19	survey	survey	ADJ
fsr-3538	232	20	sample	sample	NOUN
fsr-3538	232	21	of	of	ADP
fsr-3538	232	22	833	833	NUM
fsr-3538	232	23	students	student	NOUN
fsr-3538	232	24	in	in	ADP
fsr-3538	232	25	2017	2017	NUM
fsr-3538	232	26	-	-	SYM
fsr-3538	232	27	2019	2019	NUM
fsr-3538	232	28	(	(	PUNCT
fsr-3538	232	29	in	in	ADP
fsr-3538	232	30	-	-	PUNCT
fsr-3538	232	31	person	person	NOUN
fsr-3538	232	32	)	)	PUNCT
fsr-3538	232	33	and	and	CCONJ
fsr-3538	232	34	305	305	NUM
fsr-3538	232	35	students	student	NOUN
fsr-3538	232	36	in	in	ADP
fsr-3538	232	37	2020	2020	NUM
fsr-3538	232	38	-	-	SYM
fsr-3538	232	39	2021	2021	NUM
fsr-3538	232	40	(	(	PUNCT
fsr-3538	232	41	virtual	virtual	ADJ
fsr-3538	232	42	/	/	SYM
fsr-3538	232	43	hybrid	hybrid	NOUN
fsr-3538	232	44	)	)	PUNCT
fsr-3538	232	45	.	.	PUNCT
fsr-3538	233	1	improvement	improvement	NOUN
fsr-3538	233	2	is	be	AUX
fsr-3538	233	3	defined	define	VERB
fsr-3538	233	4	in	in	ADP
fsr-3538	233	5	several	several	ADJ
fsr-3538	233	6	ways	way	NOUN
fsr-3538	233	7	.	.	PUNCT
fsr-3538	234	1	gains	gain	NOUN
fsr-3538	234	2	from	from	ADP
fsr-3538	234	3	subjective	subjective	ADJ
fsr-3538	234	4	financial	financial	ADJ
fsr-3538	234	5	knowledge	knowledge	NOUN
fsr-3538	234	6	,	,	PUNCT
fsr-3538	234	7	objective	objective	ADJ
fsr-3538	234	8	financial	financial	ADJ
fsr-3538	234	9	knowledge	knowledge	NOUN
fsr-3538	234	10	,	,	PUNCT
fsr-3538	234	11	and	and	CCONJ
fsr-3538	234	12	financial	financial	ADJ
fsr-3538	234	13	behavior	behavior	NOUN
fsr-3538	234	14	are	be	AUX
fsr-3538	234	15	defined	define	VERB
fsr-3538	234	16	as	as	ADP
fsr-3538	234	17	the	the	DET
fsr-3538	234	18	post	post	ADJ
fsr-3538	234	19	-	-	ADJ
fsr-3538	234	20	survey	survey	ADJ
fsr-3538	234	21	scores	score	NOUN
fsr-3538	234	22	minus	minus	ADP
fsr-3538	234	23	the	the	DET
fsr-3538	234	24	pre	pre	ADJ
fsr-3538	234	25	-	-	ADJ
fsr-3538	234	26	survey	survey	ADJ
fsr-3538	234	27	response	response	NOUN
fsr-3538	234	28	scores	score	NOUN
fsr-3538	234	29	.	.	PUNCT
fsr-3538	235	1	to	to	PART
fsr-3538	235	2	gauge	gauge	VERB
fsr-3538	235	3	financial	financial	ADJ
fsr-3538	235	4	self	self	NOUN
fsr-3538	235	5	-	-	PUNCT
fsr-3538	235	6	esteem	esteem	NOUN
fsr-3538	235	7	,	,	PUNCT
fsr-3538	235	8	we	we	PRON
fsr-3538	235	9	define	define	VERB
fsr-3538	235	10	confidence	confidence	NOUN
fsr-3538	235	11	gains	gain	NOUN
fsr-3538	235	12	as	as	ADP
fsr-3538	235	13	a	a	DET
fsr-3538	235	14	decrease	decrease	NOUN
fsr-3538	235	15	in	in	ADP
fsr-3538	235	16	“	"	PUNCT
fsr-3538	235	17	i	i	PRON
fsr-3538	235	18	do	do	AUX
fsr-3538	235	19	n’t	not	PART
fsr-3538	235	20	know	know	VERB
fsr-3538	235	21	”	"	PUNCT
fsr-3538	235	22	responses	response	NOUN
fsr-3538	235	23	in	in	ADP
fsr-3538	235	24	the	the	DET
fsr-3538	235	25	post	post	NOUN
fsr-3538	235	26	-	-	NOUN
fsr-3538	235	27	survey	survey	NOUN
fsr-3538	235	28	minus	minus	ADP
fsr-3538	235	29	the	the	DET
fsr-3538	235	30	pre	pre	NOUN
fsr-3538	235	31	-	-	NOUN
fsr-3538	235	32	survey	survey	NOUN
fsr-3538	235	33	.	.	PUNCT
fsr-3538	236	1	in	in	ADP
fsr-3538	236	2	other	other	ADJ
fsr-3538	236	3	words	word	NOUN
fsr-3538	236	4	,	,	PUNCT
fsr-3538	236	5	students	student	NOUN
fsr-3538	236	6	exhibit	exhibit	VERB
fsr-3538	236	7	better	well	ADJ
fsr-3538	236	8	self	self	NOUN
fsr-3538	236	9	-	-	PUNCT
fsr-3538	236	10	esteem	esteem	NOUN
fsr-3538	236	11	when	when	SCONJ
fsr-3538	236	12	they	they	PRON
fsr-3538	236	13	have	have	VERB
fsr-3538	236	14	fewer	few	ADJ
fsr-3538	236	15	“	"	PUNCT
fsr-3538	236	16	i	i	PRON
fsr-3538	236	17	do	do	AUX
fsr-3538	236	18	n’t	not	PART
fsr-3538	236	19	know	know	VERB
fsr-3538	236	20	”	"	PUNCT
fsr-3538	236	21	answers	answer	NOUN
fsr-3538	236	22	in	in	ADP
fsr-3538	236	23	the	the	DET
fsr-3538	236	24	post	post	NOUN
fsr-3538	236	25	-	-	NOUN
fsr-3538	236	26	survey	survey	NOUN
fsr-3538	236	27	compared	compare	VERB
fsr-3538	236	28	to	to	ADP
fsr-3538	236	29	the	the	DET
fsr-3538	236	30	pre	pre	NOUN
fsr-3538	236	31	-	-	NOUN
fsr-3538	236	32	survey	survey	NOUN
fsr-3538	236	33	.	.	PUNCT
fsr-3538	237	1	table	table	NOUN
fsr-3538	237	2	4	4	NUM
fsr-3538	237	3	illustrates	illustrate	VERB
fsr-3538	237	4	the	the	DET
fsr-3538	237	5	t	t	NOUN
fsr-3538	237	6	-	-	PUNCT
fsr-3538	237	7	test	test	NOUN
fsr-3538	237	8	results	result	NOUN
fsr-3538	237	9	by	by	ADP
fsr-3538	237	10	question	question	NOUN
fsr-3538	237	11	and	and	CCONJ
fsr-3538	237	12	overall	overall	ADJ
fsr-3538	237	13	score	score	NOUN
fsr-3538	237	14	for	for	ADP
fsr-3538	237	15	each	each	PRON
fsr-3538	237	16	of	of	ADP
fsr-3538	237	17	the	the	DET
fsr-3538	237	18	four	four	NUM
fsr-3538	237	19	items	item	NOUN
fsr-3538	237	20	measured	measure	VERB
fsr-3538	237	21	:	:	PUNCT
fsr-3538	237	22	subjective	subjective	ADJ
fsr-3538	237	23	financial	financial	ADJ
fsr-3538	237	24	knowledge	knowledge	NOUN
fsr-3538	237	25	,	,	PUNCT
fsr-3538	237	26	financial	financial	ADJ
fsr-3538	237	27	behavior	behavior	NOUN
fsr-3538	237	28	,	,	PUNCT
fsr-3538	237	29	objective	objective	ADJ
fsr-3538	237	30	financial	financial	ADJ
fsr-3538	237	31	knowledge	knowledge	NOUN
fsr-3538	237	32	,	,	PUNCT
fsr-3538	237	33	and	and	CCONJ
fsr-3538	237	34	financial	financial	ADJ
fsr-3538	237	35	self	self	NOUN
fsr-3538	237	36	-	-	PUNCT
fsr-3538	237	37	esteem	esteem	NOUN
fsr-3538	237	38	.	.	PUNCT
fsr-3538	238	1	we	we	PRON
fsr-3538	238	2	report	report	VERB
fsr-3538	238	3	results	result	NOUN
fsr-3538	238	4	of	of	ADP
fsr-3538	238	5	total	total	ADJ
fsr-3538	238	6	scores	score	NOUN
fsr-3538	238	7	of	of	ADP
fsr-3538	238	8	each	each	DET
fsr-3538	238	9	financial	financial	ADJ
fsr-3538	238	10	literacy	literacy	NOUN
fsr-3538	238	11	category	category	NOUN
fsr-3538	238	12	in	in	ADP
fsr-3538	238	13	table	table	NOUN
fsr-3538	238	14	4	4	NUM
fsr-3538	238	15	and	and	CCONJ
fsr-3538	238	16	detailed	detailed	ADJ
fsr-3538	238	17	results	result	NOUN
fsr-3538	238	18	for	for	ADP
fsr-3538	238	19	each	each	DET
fsr-3538	238	20	question	question	NOUN
fsr-3538	238	21	in	in	ADP
fsr-3538	238	22	appendix	appendix	ADJ
fsr-3538	238	23	f	f	NOUN
fsr-3538	238	24	:	:	PUNCT
fsr-3538	238	25	table	table	NOUN
fsr-3538	238	26	4a	4a	NOUN
fsr-3538	238	27	.	.	PUNCT
fsr-3538	239	1	questions	question	NOUN
fsr-3538	239	2	from	from	ADP
fsr-3538	239	3	subjective	subjective	ADJ
fsr-3538	239	4	knowledge	knowledge	NOUN
fsr-3538	239	5	and	and	CCONJ
fsr-3538	239	6	financial	financial	ADJ
fsr-3538	239	7	behavior	behavior	NOUN
fsr-3538	239	8	are	be	AUX
fsr-3538	239	9	assessed	assess	VERB
fsr-3538	239	10	based	base	VERB
fsr-3538	239	11	on	on	ADP
fsr-3538	239	12	1	1	NUM
fsr-3538	239	13	-	-	SYM
fsr-3538	239	14	5	5	NUM
fsr-3538	239	15	,	,	PUNCT
fsr-3538	239	16	1	1	NUM
fsr-3538	239	17	¼	¼	NOUN
fsr-3538	239	18	i	i	PRON
fsr-3538	239	19	highly	highly	ADV
fsr-3538	239	20	disagree	disagree	VERB
fsr-3538	239	21	and	and	CCONJ
fsr-3538	239	22	5	5	NUM
fsr-3538	239	23	¼	¼	NOUN
fsr-3538	239	24	i	i	PRON
fsr-3538	239	25	highly	highly	ADV
fsr-3538	239	26	agree	agree	VERB
fsr-3538	239	27	.	.	PUNCT
fsr-3538	240	1	the	the	DET
fsr-3538	240	2	results	result	NOUN
fsr-3538	240	3	in	in	ADP
fsr-3538	240	4	table	table	NOUN
fsr-3538	240	5	4	4	NUM
fsr-3538	240	6	and	and	CCONJ
fsr-3538	240	7	appendix	appendix	VERB
fsr-3538	240	8	f	f	NOUN
fsr-3538	240	9	:	:	PUNCT
fsr-3538	240	10	table	table	NOUN
fsr-3538	240	11	4a	4a	NOUN
fsr-3538	240	12	show	show	NOUN
fsr-3538	240	13	improvements	improvement	NOUN
fsr-3538	240	14	with	with	ADP
fsr-3538	240	15	nearly	nearly	ADV
fsr-3538	240	16	every	every	PRON
fsr-3538	240	17	question	question	NOUN
fsr-3538	240	18	in	in	ADP
fsr-3538	240	19	all	all	DET
fsr-3538	240	20	categories	category	NOUN
fsr-3538	240	21	,	,	PUNCT
fsr-3538	240	22	per	per	ADP
fsr-3538	240	23	question	question	NOUN
fsr-3538	240	24	and	and	CCONJ
fsr-3538	240	25	total	total	NOUN
fsr-3538	240	26	.	.	PUNCT
fsr-3538	241	1	for	for	ADP
fsr-3538	241	2	example	example	NOUN
fsr-3538	241	3	,	,	PUNCT
fsr-3538	241	4	the	the	DET
fsr-3538	241	5	financial	financial	ADJ
fsr-3538	241	6	behavior	behavior	NOUN
fsr-3538	241	7	question	question	NOUN
fsr-3538	241	8	“	"	PUNCT
fsr-3538	241	9	i	i	PRON
fsr-3538	241	10	like	like	VERB
fsr-3538	241	11	to	to	PART
fsr-3538	241	12	save	save	VERB
fsr-3538	241	13	money	money	NOUN
fsr-3538	241	14	more	more	ADJ
fsr-3538	241	15	than	than	SCONJ
fsr-3538	241	16	i	i	PRON
fsr-3538	241	17	like	like	VERB
fsr-3538	241	18	to	to	PART
fsr-3538	241	19	spend	spend	VERB
fsr-3538	241	20	it	it	PRON
fsr-3538	241	21	”	"	PUNCT
fsr-3538	241	22	had	have	VERB
fsr-3538	241	23	an	an	DET
fsr-3538	241	24	average	average	ADJ
fsr-3538	241	25	pre	pre	ADJ
fsr-3538	241	26	-	-	ADJ
fsr-3538	241	27	survey	survey	ADJ
fsr-3538	241	28	score	score	NOUN
fsr-3538	241	29	of	of	ADP
fsr-3538	241	30	3.54	3.54	NUM
fsr-3538	241	31	and	and	CCONJ
fsr-3538	241	32	a	a	DET
fsr-3538	241	33	post	post	ADJ
fsr-3538	241	34	-	-	ADJ
fsr-3538	241	35	survey	survey	ADJ
fsr-3538	241	36	score	score	NOUN
fsr-3538	241	37	of	of	ADP
fsr-3538	241	38	3.81	3.81	NUM
fsr-3538	241	39	.	.	PUNCT
fsr-3538	242	1	the	the	DET
fsr-3538	242	2	increase	increase	NOUN
fsr-3538	242	3	shows	show	VERB
fsr-3538	242	4	that	that	SCONJ
fsr-3538	242	5	,	,	PUNCT
fsr-3538	242	6	on	on	ADP
fsr-3538	242	7	average	average	ADJ
fsr-3538	242	8	,	,	PUNCT
fsr-3538	242	9	students	student	NOUN
fsr-3538	242	10	’	'	PUNCT
fsr-3538	242	11	preference	preference	NOUN
fsr-3538	242	12	for	for	ADP
fsr-3538	242	13	the	the	DET
fsr-3538	242	14	balance	balance	NOUN
fsr-3538	242	15	between	between	ADP
fsr-3538	242	16	saving	save	VERB
fsr-3538	242	17	and	and	CCONJ
fsr-3538	242	18	spending	spending	NOUN
fsr-3538	242	19	improved	improve	VERB
fsr-3538	242	20	,	,	PUNCT
fsr-3538	242	21	improving	improve	VERB
fsr-3538	242	22	their	their	PRON
fsr-3538	242	23	overall	overall	ADJ
fsr-3538	242	24	financial	financial	ADJ
fsr-3538	242	25	behavior	behavior	NOUN
fsr-3538	242	26	.	.	PUNCT
fsr-3538	243	1	each	each	PRON
fsr-3538	243	2	of	of	ADP
fsr-3538	243	3	the	the	DET
fsr-3538	243	4	improvements	improvement	NOUN
fsr-3538	243	5	is	be	AUX
fsr-3538	243	6	statistically	statistically	ADV
fsr-3538	243	7	significant	significant	ADJ
fsr-3538	243	8	at	at	ADP
fsr-3538	243	9	the	the	DET
fsr-3538	243	10	1	1	NUM
fsr-3538	243	11	%	%	NOUN
fsr-3538	243	12	level	level	NOUN
fsr-3538	243	13	,	,	PUNCT
fsr-3538	243	14	except	except	SCONJ
fsr-3538	243	15	for	for	ADP
fsr-3538	243	16	one	one	NUM
fsr-3538	243	17	question	question	NOUN
fsr-3538	243	18	in	in	ADP
fsr-3538	243	19	the	the	DET
fsr-3538	243	20	financial	financial	ADJ
fsr-3538	243	21	behavior	behavior	NOUN
fsr-3538	243	22	category	category	NOUN
fsr-3538	243	23	“	"	PUNCT
fsr-3538	243	24	i	i	PRON
fsr-3538	243	25	have	have	VERB
fsr-3538	243	26	a	a	DET
fsr-3538	243	27	checking	checking	NOUN
fsr-3538	243	28	and/or	and/or	CCONJ
fsr-3538	243	29	savings	saving	NOUN
fsr-3538	243	30	account	account	NOUN
fsr-3538	243	31	.	.	PUNCT
fsr-3538	243	32	”	"	PUNCT
fsr-3538	244	1	given	give	VERB
fsr-3538	244	2	the	the	DET
fsr-3538	244	3	covid-19	covid-19	PROPN
fsr-3538	244	4	pandemic	pandemic	NOUN
fsr-3538	244	5	that	that	PRON
fsr-3538	244	6	occurred	occur	VERB
fsr-3538	244	7	in	in	ADP
fsr-3538	244	8	g.	g.	PROPN
fsr-3538	244	9	filbeck	filbeck	NOUN
fsr-3538	244	10	and	and	CCONJ
fsr-3538	244	11	x.	x.	NOUN
fsr-3538	244	12	zhao	zhao	PROPN
fsr-3538	244	13	/	/	SYM
fsr-3538	244	14	financial	financial	ADJ
fsr-3538	244	15	services	service	NOUN
fsr-3538	244	16	review	review	VERB
fsr-3538	244	17	31	31	NUM
fsr-3538	244	18	(	(	PUNCT
fsr-3538	244	19	2023	2023	NUM
fsr-3538	244	20	)	)	PUNCT
fsr-3538	244	21	169–196	169–196	NUM
fsr-3538	244	22	179	179	NUM
fsr-3538	244	23	2020	2020	NUM
fsr-3538	244	24	-	-	SYM
fsr-3538	244	25	2021	2021	NUM
fsr-3538	244	26	,	,	PUNCT
fsr-3538	244	27	the	the	DET
fsr-3538	244	28	result	result	NOUN
fsr-3538	244	29	for	for	ADP
fsr-3538	244	30	this	this	DET
fsr-3538	244	31	question	question	NOUN
fsr-3538	244	32	is	be	AUX
fsr-3538	244	33	reasonable	reasonable	ADJ
fsr-3538	244	34	given	give	VERB
fsr-3538	244	35	the	the	DET
fsr-3538	244	36	reduction	reduction	NOUN
fsr-3538	244	37	of	of	ADP
fsr-3538	244	38	in	in	ADP
fsr-3538	244	39	-	-	PUNCT
fsr-3538	244	40	person	person	NOUN
fsr-3538	244	41	banking	banking	NOUN
fsr-3538	244	42	services	service	NOUN
fsr-3538	244	43	.	.	PUNCT
fsr-3538	245	1	the	the	DET
fsr-3538	245	2	most	most	ADV
fsr-3538	245	3	significant	significant	ADJ
fsr-3538	245	4	improvement	improvement	NOUN
fsr-3538	245	5	of	of	ADP
fsr-3538	245	6	student	student	NOUN
fsr-3538	245	7	responses	response	NOUN
fsr-3538	245	8	to	to	ADP
fsr-3538	245	9	questions	question	NOUN
fsr-3538	245	10	related	relate	VERB
fsr-3538	245	11	to	to	ADP
fsr-3538	245	12	subjective	subjective	ADJ
fsr-3538	245	13	financial	financial	ADJ
fsr-3538	245	14	knowledge	knowledge	NOUN
fsr-3538	245	15	comes	come	VERB
fsr-3538	245	16	from	from	ADP
fsr-3538	245	17	understanding	understand	VERB
fsr-3538	245	18	roth	roth	PROPN
fsr-3538	245	19	ira	ira	PROPN
fsr-3538	245	20	(	(	PUNCT
fsr-3538	245	21	a	a	DET
fsr-3538	245	22	gain	gain	NOUN
fsr-3538	245	23	of	of	ADP
fsr-3538	245	24	1.653	1.653	NUM
fsr-3538	245	25	)	)	PUNCT
fsr-3538	245	26	and	and	CCONJ
fsr-3538	245	27	retirement	retirement	NOUN
fsr-3538	245	28	(	(	PUNCT
fsr-3538	245	29	an	an	DET
fsr-3538	245	30	increase	increase	NOUN
fsr-3538	245	31	of	of	ADP
fsr-3538	245	32	1.376	1.376	NUM
fsr-3538	245	33	)	)	PUNCT
fsr-3538	245	34	.	.	PUNCT
fsr-3538	246	1	all	all	DET
fsr-3538	246	2	subjective	subjective	ADJ
fsr-3538	246	3	financial	financial	ADJ
fsr-3538	246	4	knowledge	knowledge	NOUN
fsr-3538	246	5	questions	question	NOUN
fsr-3538	246	6	are	be	AUX
fsr-3538	246	7	statistically	statistically	ADV
fsr-3538	246	8	table	table	NOUN
fsr-3538	246	9	3	3	NUM
fsr-3538	246	10	correlation	correlation	NOUN
fsr-3538	246	11	coefficients	coefficient	NOUN
fsr-3538	246	12	between	between	ADP
fsr-3538	246	13	financial	financial	ADJ
fsr-3538	246	14	behavior	behavior	NOUN
fsr-3538	246	15	and	and	CCONJ
fsr-3538	246	16	self	self	NOUN
fsr-3538	246	17	-	-	PUNCT
fsr-3538	246	18	esteem	esteem	NOUN
fsr-3538	246	19	,	,	PUNCT
fsr-3538	246	20	objective	objective	ADJ
fsr-3538	246	21	and	and	CCONJ
fsr-3538	246	22	subjective	subjective	ADJ
fsr-3538	246	23	financial	financial	ADJ
fsr-3538	246	24	knowledge	knowledge	NOUN
fsr-3538	246	25	question	question	NOUN
fsr-3538	246	26	type	type	NOUN
fsr-3538	246	27	subjective	subjective	ADJ
fsr-3538	246	28	behavior	behavior	NOUN
fsr-3538	246	29	objective	objective	ADJ
fsr-3538	246	30	idk	idk	PROPN
fsr-3538	246	31	answers	answer	VERB
fsr-3538	246	32	panel	panel	NOUN
fsr-3538	246	33	a.	a.	PROPN
fsr-3538	246	34	whole	whole	PROPN
fsr-3538	246	35	sample	sample	NOUN
fsr-3538	246	36	subjective	subjective	ADJ
fsr-3538	246	37	corr	corr	PROPN
fsr-3538	246	38	1.000	1.000	NUM
fsr-3538	246	39	p	p	ADJ
fsr-3538	246	40	-	-	PUNCT
fsr-3538	246	41	value	value	NOUN
fsr-3538	246	42	behavior	behavior	NOUN
fsr-3538	246	43	corr	corr	NOUN
fsr-3538	246	44	0.357	0.357	NUM
fsr-3538	246	45	*	*	PUNCT
fsr-3538	246	46	*	*	PUNCT
fsr-3538	246	47	*	*	PUNCT
fsr-3538	246	48	1.000	1.000	NUM
fsr-3538	246	49	p	p	NOUN
fsr-3538	246	50	-	-	PUNCT
fsr-3538	246	51	value	value	NOUN
fsr-3538	246	52	<	<	X
fsr-3538	246	53	.0001	.0001	X
fsr-3538	246	54	objective	objective	ADJ
fsr-3538	246	55	corr	corr	NOUN
fsr-3538	246	56	0.286	0.286	NUM
fsr-3538	246	57	*	*	PUNCT
fsr-3538	246	58	*	*	PUNCT
fsr-3538	246	59	*	*	PUNCT
fsr-3538	246	60	0.267	0.267	NUM
fsr-3538	246	61	*	*	PUNCT
fsr-3538	246	62	*	*	PUNCT
fsr-3538	246	63	*	*	PUNCT
fsr-3538	246	64	1.000	1.000	NUM
fsr-3538	246	65	p	p	NOUN
fsr-3538	246	66	-	-	PUNCT
fsr-3538	246	67	value	value	NOUN
fsr-3538	246	68	<	<	X
fsr-3538	246	69	.0001	.0001	X
fsr-3538	246	70	<	<	X
fsr-3538	246	71	.0001	.0001	X
fsr-3538	246	72	idk	idk	PROPN
fsr-3538	246	73	answers	answer	VERB
fsr-3538	246	74	corr	corr	NOUN
fsr-3538	246	75	"	"	PUNCT
fsr-3538	246	76	0.364	0.364	NUM
fsr-3538	246	77	*	*	PUNCT
fsr-3538	246	78	*	*	PUNCT
fsr-3538	246	79	*	*	PUNCT
fsr-3538	246	80	"	"	PUNCT
fsr-3538	246	81	0.267	0.267	NUM
fsr-3538	246	82	*	*	PUNCT
fsr-3538	246	83	*	*	PUNCT
fsr-3538	246	84	*	*	PUNCT
fsr-3538	246	85	"	"	PUNCT
fsr-3538	246	86	0.759	0.759	NUM
fsr-3538	246	87	*	*	PUNCT
fsr-3538	246	88	*	*	PUNCT
fsr-3538	246	89	*	*	PUNCT
fsr-3538	246	90	1.000	1.000	NUM
fsr-3538	246	91	p	p	NOUN
fsr-3538	246	92	-	-	PUNCT
fsr-3538	246	93	value	value	NOUN
fsr-3538	246	94	<	<	X
fsr-3538	246	95	.0001	.0001	X
fsr-3538	246	96	<	<	X
fsr-3538	246	97	.0001	.0001	X
fsr-3538	246	98	<	<	X
fsr-3538	246	99	.0001	.0001	X
fsr-3538	246	100	panel	panel	NOUN
fsr-3538	246	101	b.	b.	PROPN
fsr-3538	246	102	year	year	PROPN
fsr-3538	246	103	2017–2019	2017–2019	NUM
fsr-3538	246	104	subjective	subjective	ADJ
fsr-3538	246	105	corr	corr	NOUN
fsr-3538	246	106	1.000	1.000	NUM
fsr-3538	246	107	p	p	ADJ
fsr-3538	246	108	-	-	PUNCT
fsr-3538	246	109	value	value	NOUN
fsr-3538	246	110	behavior	behavior	NOUN
fsr-3538	246	111	corr	corr	NOUN
fsr-3538	246	112	0.349	0.349	NUM
fsr-3538	246	113	*	*	PUNCT
fsr-3538	246	114	*	*	PUNCT
fsr-3538	246	115	*	*	PUNCT
fsr-3538	246	116	1.000	1.000	NUM
fsr-3538	246	117	p	p	NOUN
fsr-3538	246	118	-	-	PUNCT
fsr-3538	246	119	value	value	NOUN
fsr-3538	246	120	<	<	X
fsr-3538	246	121	.0001	.0001	X
fsr-3538	246	122	objective	objective	ADJ
fsr-3538	246	123	corr	corr	NOUN
fsr-3538	246	124	0.291	0.291	NUM
fsr-3538	246	125	*	*	PUNCT
fsr-3538	246	126	*	*	PUNCT
fsr-3538	246	127	*	*	PUNCT
fsr-3538	246	128	0.255	0.255	NUM
fsr-3538	246	129	*	*	PUNCT
fsr-3538	246	130	*	*	PUNCT
fsr-3538	246	131	*	*	PUNCT
fsr-3538	246	132	1.000	1.000	NUM
fsr-3538	246	133	p	p	NOUN
fsr-3538	246	134	-	-	PUNCT
fsr-3538	246	135	value	value	NOUN
fsr-3538	246	136	<	<	X
fsr-3538	246	137	.0001	.0001	X
fsr-3538	246	138	<	<	X
fsr-3538	246	139	.0001	.0001	X
fsr-3538	246	140	idk	idk	PROPN
fsr-3538	246	141	answers	answer	VERB
fsr-3538	246	142	corr	corr	NOUN
fsr-3538	246	143	"	"	PUNCT
fsr-3538	246	144	0.366	0.366	NUM
fsr-3538	246	145	*	*	PUNCT
fsr-3538	246	146	*	*	PUNCT
fsr-3538	246	147	*	*	PUNCT
fsr-3538	246	148	"	"	PUNCT
fsr-3538	246	149	0.255	0.255	NUM
fsr-3538	246	150	*	*	PUNCT
fsr-3538	246	151	*	*	PUNCT
fsr-3538	246	152	*	*	PUNCT
fsr-3538	246	153	"	"	PUNCT
fsr-3538	246	154	0.753	0.753	NUM
fsr-3538	246	155	*	*	PUNCT
fsr-3538	246	156	*	*	PUNCT
fsr-3538	246	157	*	*	PUNCT
fsr-3538	246	158	1.000	1.000	NUM
fsr-3538	246	159	p	p	NOUN
fsr-3538	246	160	-	-	PUNCT
fsr-3538	246	161	value	value	NOUN
fsr-3538	246	162	<	<	X
fsr-3538	246	163	.0001	.0001	X
fsr-3538	246	164	<	<	X
fsr-3538	246	165	.0001	.0001	X
fsr-3538	246	166	<	<	X
fsr-3538	246	167	.0001	.0001	PROPN
fsr-3538	246	168	panel	panel	NOUN
fsr-3538	246	169	c.	c.	PROPN
fsr-3538	246	170	year	year	PROPN
fsr-3538	246	171	2020–2021	2020–2021	NUM
fsr-3538	246	172	subjective	subjective	ADJ
fsr-3538	246	173	corr	corr	NOUN
fsr-3538	246	174	1.000	1.000	NUM
fsr-3538	246	175	p	p	ADJ
fsr-3538	246	176	-	-	PUNCT
fsr-3538	246	177	value	value	NOUN
fsr-3538	246	178	behavior	behavior	NOUN
fsr-3538	246	179	corr	corr	NOUN
fsr-3538	246	180	0.384	0.384	NUM
fsr-3538	246	181	*	*	PUNCT
fsr-3538	246	182	*	*	PUNCT
fsr-3538	246	183	*	*	PUNCT
fsr-3538	246	184	1.000	1.000	NUM
fsr-3538	246	185	p	p	NOUN
fsr-3538	246	186	-	-	PUNCT
fsr-3538	246	187	value	value	NOUN
fsr-3538	246	188	<	<	X
fsr-3538	246	189	.0001	.0001	X
fsr-3538	246	190	objective	objective	ADJ
fsr-3538	246	191	corr	corr	NOUN
fsr-3538	246	192	0.276	0.276	NUM
fsr-3538	246	193	*	*	PUNCT
fsr-3538	246	194	*	*	PUNCT
fsr-3538	246	195	*	*	PUNCT
fsr-3538	246	196	0.293	0.293	NUM
fsr-3538	246	197	*	*	PUNCT
fsr-3538	246	198	*	*	PUNCT
fsr-3538	246	199	*	*	PUNCT
fsr-3538	246	200	1.000	1.000	NUM
fsr-3538	246	201	p	p	NOUN
fsr-3538	246	202	-	-	PUNCT
fsr-3538	246	203	value	value	NOUN
fsr-3538	246	204	<	<	X
fsr-3538	246	205	.0001	.0001	X
fsr-3538	246	206	<	<	X
fsr-3538	246	207	.0001	.0001	X
fsr-3538	246	208	idk	idk	PROPN
fsr-3538	246	209	answers	answer	VERB
fsr-3538	246	210	corr	corr	NOUN
fsr-3538	246	211	"	"	PUNCT
fsr-3538	246	212	0.359	0.359	NUM
fsr-3538	246	213	*	*	PUNCT
fsr-3538	246	214	*	*	PUNCT
fsr-3538	246	215	*	*	PUNCT
fsr-3538	246	216	"	"	PUNCT
fsr-3538	246	217	0.292	0.292	NUM
fsr-3538	246	218	*	*	PUNCT
fsr-3538	246	219	*	*	PUNCT
fsr-3538	246	220	*	*	PUNCT
fsr-3538	246	221	"	"	PUNCT
fsr-3538	246	222	0.774	0.774	NUM
fsr-3538	246	223	*	*	PUNCT
fsr-3538	246	224	*	*	PUNCT
fsr-3538	246	225	*	*	PUNCT
fsr-3538	246	226	1.000	1.000	NUM
fsr-3538	246	227	p	p	NOUN
fsr-3538	246	228	-	-	PUNCT
fsr-3538	246	229	value	value	NOUN
fsr-3538	246	230	<	<	X
fsr-3538	246	231	.0001	.0001	X
fsr-3538	246	232	<	<	X
fsr-3538	246	233	.0001	.0001	X
fsr-3538	246	234	<	<	X
fsr-3538	246	235	.0001	.0001	X
fsr-3538	246	236	note	note	NOUN
fsr-3538	246	237	.	.	PUNCT
fsr-3538	247	1	table	table	NOUN
fsr-3538	247	2	3	3	NUM
fsr-3538	247	3	shows	show	VERB
fsr-3538	247	4	the	the	DET
fsr-3538	247	5	correlation	correlation	NOUN
fsr-3538	247	6	coefficients	coefficient	NOUN
fsr-3538	247	7	between	between	ADP
fsr-3538	247	8	financial	financial	ADJ
fsr-3538	247	9	behavior	behavior	NOUN
fsr-3538	247	10	,	,	PUNCT
fsr-3538	247	11	self	self	NOUN
fsr-3538	247	12	-	-	PUNCT
fsr-3538	247	13	esteem	esteem	NOUN
fsr-3538	247	14	(	(	PUNCT
fsr-3538	247	15	idk	idk	INTJ
fsr-3538	247	16	answers	answer	NOUN
fsr-3538	247	17	)	)	PUNCT
fsr-3538	247	18	,	,	PUNCT
fsr-3538	247	19	and	and	CCONJ
fsr-3538	247	20	objective	objective	ADJ
fsr-3538	247	21	and	and	CCONJ
fsr-3538	247	22	subjective	subjective	ADJ
fsr-3538	247	23	financial	financial	ADJ
fsr-3538	247	24	knowledge	knowledge	NOUN
fsr-3538	247	25	.	.	PUNCT
fsr-3538	248	1	*	*	PUNCT
fsr-3538	249	1	*	*	PUNCT
fsr-3538	249	2	*	*	PUNCT
fsr-3538	249	3	,	,	PUNCT
fsr-3538	249	4	*	*	PUNCT
fsr-3538	249	5	*	*	PUNCT
fsr-3538	249	6	,	,	PUNCT
fsr-3538	249	7	*	*	PUNCT
fsr-3538	249	8	indicate	indicate	VERB
fsr-3538	249	9	statistical	statistical	ADJ
fsr-3538	249	10	significance	significance	NOUN
fsr-3538	249	11	at	at	ADP
fsr-3538	249	12	0.01	0.01	NUM
fsr-3538	249	13	,	,	PUNCT
fsr-3538	249	14	0.05	0.05	NUM
fsr-3538	249	15	,	,	PUNCT
fsr-3538	249	16	and	and	CCONJ
fsr-3538	249	17	0.10	0.10	NUM
fsr-3538	249	18	level	level	NOUN
fsr-3538	249	19	,	,	PUNCT
fsr-3538	249	20	respectively	respectively	ADV
fsr-3538	249	21	.	.	PUNCT
fsr-3538	250	1	180	180	NUM
fsr-3538	250	2	g.	g.	NOUN
fsr-3538	250	3	filbeck	filbeck	NOUN
fsr-3538	250	4	and	and	CCONJ
fsr-3538	250	5	x.	x.	NOUN
fsr-3538	250	6	zhao	zhao	PROPN
fsr-3538	250	7	/	/	SYM
fsr-3538	250	8	financial	financial	ADJ
fsr-3538	250	9	services	service	NOUN
fsr-3538	250	10	review	review	VERB
fsr-3538	250	11	31	31	NUM
fsr-3538	250	12	(	(	PUNCT
fsr-3538	250	13	2023	2023	NUM
fsr-3538	250	14	)	)	PUNCT
fsr-3538	250	15	169–196	169–196	NUM
fsr-3538	250	16	significant	significant	ADJ
fsr-3538	250	17	at	at	ADP
fsr-3538	250	18	the	the	DET
fsr-3538	250	19	1	1	NUM
fsr-3538	250	20	%	%	NOUN
fsr-3538	250	21	level	level	NOUN
fsr-3538	250	22	.	.	PUNCT
fsr-3538	251	1	further	far	ADV
fsr-3538	251	2	analyzing	analyze	VERB
fsr-3538	251	3	the	the	DET
fsr-3538	251	4	financial	financial	ADJ
fsr-3538	251	5	behavior	behavior	NOUN
fsr-3538	251	6	questions	question	NOUN
fsr-3538	251	7	’	'	PUNCT
fsr-3538	251	8	responses	response	NOUN
fsr-3538	251	9	,	,	PUNCT
fsr-3538	251	10	the	the	DET
fsr-3538	251	11	biggest	big	ADJ
fsr-3538	251	12	gain	gain	NOUN
fsr-3538	251	13	derives	derive	VERB
fsr-3538	251	14	from	from	ADP
fsr-3538	251	15	the	the	DET
fsr-3538	251	16	importance	importance	NOUN
fsr-3538	251	17	of	of	ADP
fsr-3538	251	18	contributing	contribute	VERB
fsr-3538	251	19	to	to	ADP
fsr-3538	251	20	a	a	DET
fsr-3538	251	21	retirement	retirement	NOUN
fsr-3538	251	22	plan	plan	NOUN
fsr-3538	251	23	(	(	PUNCT
fsr-3538	251	24	an	an	DET
fsr-3538	251	25	increase	increase	NOUN
fsr-3538	251	26	of	of	ADP
fsr-3538	251	27	0.402	0.402	NUM
fsr-3538	251	28	)	)	PUNCT
fsr-3538	251	29	.	.	PUNCT
fsr-3538	252	1	all	all	DET
fsr-3538	252	2	questions	question	NOUN
fsr-3538	252	3	are	be	AUX
fsr-3538	252	4	statistically	statistically	ADV
fsr-3538	252	5	significant	significant	ADJ
fsr-3538	252	6	at	at	ADP
fsr-3538	252	7	least	least	ADJ
fsr-3538	252	8	the	the	DET
fsr-3538	252	9	5	5	NUM
fsr-3538	252	10	%	%	NOUN
fsr-3538	252	11	level	level	NOUN
fsr-3538	252	12	.	.	PUNCT
fsr-3538	253	1	the	the	DET
fsr-3538	253	2	results	result	NOUN
fsr-3538	253	3	link	link	VERB
fsr-3538	253	4	confidence	confidence	NOUN
fsr-3538	253	5	to	to	PART
fsr-3538	253	6	answer	answer	VERB
fsr-3538	253	7	a	a	DET
fsr-3538	253	8	question	question	NOUN
fsr-3538	253	9	(	(	PUNCT
fsr-3538	253	10	self	self	NOUN
fsr-3538	253	11	-	-	PUNCT
fsr-3538	253	12	esteem	esteem	NOUN
fsr-3538	253	13	)	)	PUNCT
fsr-3538	253	14	and	and	CCONJ
fsr-3538	253	15	correctness	correctness	NOUN
fsr-3538	253	16	(	(	PUNCT
fsr-3538	253	17	objective	objective	ADJ
fsr-3538	253	18	financial	financial	ADJ
fsr-3538	253	19	knowledge	knowledge	NOUN
fsr-3538	253	20	)	)	PUNCT
fsr-3538	253	21	.	.	PUNCT
fsr-3538	254	1	meanwhile	meanwhile	ADV
fsr-3538	254	2	,	,	PUNCT
fsr-3538	254	3	the	the	DET
fsr-3538	254	4	most	most	ADV
fsr-3538	254	5	significant	significant	ADJ
fsr-3538	254	6	improvements	improvement	NOUN
fsr-3538	254	7	seen	see	VERB
fsr-3538	254	8	from	from	ADP
fsr-3538	254	9	objective	objective	ADJ
fsr-3538	254	10	financial	financial	ADJ
fsr-3538	254	11	knowledge	knowledge	NOUN
fsr-3538	254	12	regarding	regard	VERB
fsr-3538	254	13	questions	question	NOUN
fsr-3538	254	14	involving	involve	VERB
fsr-3538	254	15	credit	credit	NOUN
fsr-3538	254	16	,	,	PUNCT
fsr-3538	254	17	the	the	DET
fsr-3538	254	18	concept	concept	NOUN
fsr-3538	254	19	of	of	ADP
fsr-3538	254	20	an	an	DET
fsr-3538	254	21	agreement	agreement	NOUN
fsr-3538	254	22	to	to	PART
fsr-3538	254	23	purchase	purchase	VERB
fsr-3538	254	24	a	a	DET
fsr-3538	254	25	product	product	NOUN
fsr-3538	254	26	or	or	CCONJ
fsr-3538	254	27	service	service	NOUN
fsr-3538	254	28	with	with	ADP
fsr-3538	254	29	the	the	DET
fsr-3538	254	30	express	express	ADJ
fsr-3538	254	31	promise	promise	NOUN
fsr-3538	254	32	to	to	PART
fsr-3538	254	33	pay	pay	VERB
fsr-3538	254	34	for	for	ADP
fsr-3538	254	35	it	it	PRON
fsr-3538	254	36	later	later	ADV
fsr-3538	254	37	(	(	PUNCT
fsr-3538	254	38	a	a	DET
fsr-3538	254	39	gain	gain	NOUN
fsr-3538	254	40	of	of	ADP
fsr-3538	254	41	0.251	0.251	NUM
fsr-3538	254	42	)	)	PUNCT
fsr-3538	254	43	,	,	PUNCT
fsr-3538	254	44	and	and	CCONJ
fsr-3538	254	45	knowledge	knowledge	NOUN
fsr-3538	254	46	of	of	ADP
fsr-3538	254	47	inflation	inflation	NOUN
fsr-3538	254	48	rate	rate	NOUN
fsr-3538	254	49	(	(	PUNCT
fsr-3538	254	50	a	a	DET
fsr-3538	254	51	gain	gain	NOUN
fsr-3538	254	52	of	of	ADP
fsr-3538	254	53	0.200	0.200	NUM
fsr-3538	254	54	)	)	PUNCT
fsr-3538	254	55	.	.	PUNCT
fsr-3538	255	1	the	the	DET
fsr-3538	255	2	largest	large	ADJ
fsr-3538	255	3	increase	increase	NOUN
fsr-3538	255	4	in	in	ADP
fsr-3538	255	5	correct	correct	ADJ
fsr-3538	255	6	responses	response	NOUN
fsr-3538	255	7	between	between	ADP
fsr-3538	255	8	preand	preand	NOUN
fsr-3538	255	9	post	post	NOUN
fsr-3538	255	10	-	-	NOUN
fsr-3538	255	11	surveys	survey	NOUN
fsr-3538	255	12	comes	come	VERB
fsr-3538	255	13	from	from	ADP
fsr-3538	255	14	self	self	NOUN
fsr-3538	255	15	-	-	PUNCT
fsr-3538	255	16	esteem	esteem	NOUN
fsr-3538	255	17	questions	question	NOUN
fsr-3538	255	18	(	(	PUNCT
fsr-3538	255	19	how	how	SCONJ
fsr-3538	255	20	often	often	ADV
fsr-3538	255	21	students	student	NOUN
fsr-3538	255	22	answered	answer	VERB
fsr-3538	255	23	“	"	PUNCT
fsr-3538	255	24	i	i	PRON
fsr-3538	255	25	do	do	AUX
fsr-3538	255	26	n’t	not	PART
fsr-3538	255	27	know	know	VERB
fsr-3538	255	28	”	"	PUNCT
fsr-3538	255	29	on	on	ADP
fsr-3538	255	30	the	the	DET
fsr-3538	255	31	objective	objective	ADJ
fsr-3538	255	32	financial	financial	ADJ
fsr-3538	255	33	questions	question	NOUN
fsr-3538	255	34	)	)	PUNCT
fsr-3538	255	35	.	.	PUNCT
fsr-3538	256	1	these	these	DET
fsr-3538	256	2	two	two	NUM
fsr-3538	256	3	questions	question	NOUN
fsr-3538	256	4	also	also	ADV
fsr-3538	256	5	show	show	VERB
fsr-3538	256	6	the	the	DET
fsr-3538	256	7	greatest	great	ADJ
fsr-3538	256	8	improvement	improvement	NOUN
fsr-3538	256	9	in	in	ADP
fsr-3538	256	10	students	student	NOUN
fsr-3538	256	11	’	’	PART
fsr-3538	256	12	self	self	NOUN
fsr-3538	256	13	-	-	PUNCT
fsr-3538	256	14	esteem	esteem	NOUN
fsr-3538	256	15	.	.	PUNCT
fsr-3538	257	1	that	that	PRON
fsr-3538	257	2	is	be	AUX
fsr-3538	257	3	,	,	PUNCT
fsr-3538	257	4	fewer	few	ADJ
fsr-3538	257	5	students	student	NOUN
fsr-3538	257	6	answered	answer	VERB
fsr-3538	257	7	“	"	PUNCT
fsr-3538	257	8	i	i	PRON
fsr-3538	257	9	do	do	AUX
fsr-3538	257	10	n’t	not	PART
fsr-3538	257	11	know	know	VERB
fsr-3538	257	12	”	"	PUNCT
fsr-3538	257	13	with	with	ADP
fsr-3538	257	14	those	those	DET
fsr-3538	257	15	two	two	NUM
fsr-3538	257	16	questions	question	NOUN
fsr-3538	257	17	than	than	ADP
fsr-3538	257	18	any	any	DET
fsr-3538	257	19	other	other	ADJ
fsr-3538	257	20	between	between	ADP
fsr-3538	257	21	the	the	DET
fsr-3538	257	22	preand	preand	NOUN
fsr-3538	257	23	post	post	NOUN
fsr-3538	257	24	-	-	NOUN
fsr-3538	257	25	surveys	survey	NOUN
fsr-3538	257	26	.	.	PUNCT
fsr-3538	258	1	next	next	ADV
fsr-3538	258	2	,	,	PUNCT
fsr-3538	258	3	we	we	PRON
fsr-3538	258	4	test	test	VERB
fsr-3538	258	5	h1	h1	NOUN
fsr-3538	258	6	and	and	CCONJ
fsr-3538	258	7	h2b	h2b	PROPN
fsr-3538	258	8	with	with	ADP
fsr-3538	258	9	subgroup	subgroup	PROPN
fsr-3538	258	10	results	result	NOUN
fsr-3538	258	11	.	.	PUNCT
fsr-3538	259	1	table	table	NOUN
fsr-3538	259	2	5	5	NUM
fsr-3538	259	3	reports	report	VERB
fsr-3538	259	4	the	the	DET
fsr-3538	259	5	t	t	NOUN
fsr-3538	259	6	-	-	PUNCT
fsr-3538	259	7	test	test	NOUN
fsr-3538	259	8	results	result	NOUN
fsr-3538	259	9	for	for	ADP
fsr-3538	259	10	different	different	ADJ
fsr-3538	259	11	subgroups	subgroup	NOUN
fsr-3538	259	12	.	.	PUNCT
fsr-3538	260	1	panel	panel	NOUN
fsr-3538	260	2	a	a	DET
fsr-3538	260	3	reports	report	NOUN
fsr-3538	260	4	the	the	DET
fsr-3538	260	5	subgroups	subgroup	NOUN
fsr-3538	260	6	by	by	ADP
fsr-3538	260	7	gender	gender	NOUN
fsr-3538	260	8	.	.	PUNCT
fsr-3538	261	1	the	the	DET
fsr-3538	261	2	statistically	statistically	ADV
fsr-3538	261	3	significant	significant	ADJ
fsr-3538	261	4	improvement	improvement	NOUN
fsr-3538	261	5	across	across	ADP
fsr-3538	261	6	all	all	DET
fsr-3538	261	7	subgroups	subgroup	NOUN
fsr-3538	261	8	at	at	ADP
fsr-3538	261	9	the	the	DET
fsr-3538	261	10	1	1	NUM
fsr-3538	261	11	%	%	NOUN
fsr-3538	261	12	level	level	NOUN
fsr-3538	261	13	for	for	ADP
fsr-3538	261	14	both	both	CCONJ
fsr-3538	261	15	male	male	ADJ
fsr-3538	261	16	and	and	CCONJ
fsr-3538	261	17	female	female	ADJ
fsr-3538	261	18	groups	group	NOUN
fsr-3538	261	19	indicates	indicate	VERB
fsr-3538	261	20	a	a	DET
fsr-3538	261	21	significant	significant	ADJ
fsr-3538	261	22	improvement	improvement	NOUN
fsr-3538	261	23	after	after	ADP
fsr-3538	261	24	completing	complete	VERB
fsr-3538	261	25	the	the	DET
fsr-3538	261	26	financial	financial	ADJ
fsr-3538	261	27	literacy	literacy	NOUN
fsr-3538	261	28	program	program	NOUN
fsr-3538	261	29	for	for	ADP
fsr-3538	261	30	both	both	DET
fsr-3538	261	31	males	male	NOUN
fsr-3538	261	32	and	and	CCONJ
fsr-3538	261	33	females	female	NOUN
fsr-3538	261	34	.	.	PUNCT
fsr-3538	262	1	t	t	NOUN
fsr-3538	262	2	-	-	PUNCT
fsr-3538	262	3	test	test	NOUN
fsr-3538	262	4	results	result	NOUN
fsr-3538	262	5	on	on	ADP
fsr-3538	262	6	the	the	DET
fsr-3538	262	7	differences	difference	NOUN
fsr-3538	262	8	of	of	ADP
fsr-3538	262	9	improvements	improvement	NOUN
fsr-3538	262	10	between	between	ADP
fsr-3538	262	11	males	male	NOUN
fsr-3538	262	12	and	and	CCONJ
fsr-3538	262	13	females	female	NOUN
fsr-3538	262	14	suggest	suggest	VERB
fsr-3538	262	15	that	that	SCONJ
fsr-3538	262	16	female	female	ADJ
fsr-3538	262	17	students	student	NOUN
fsr-3538	262	18	experience	experience	VERB
fsr-3538	262	19	more	more	ADJ
fsr-3538	262	20	significant	significant	ADJ
fsr-3538	262	21	improvements	improvement	NOUN
fsr-3538	262	22	in	in	ADP
fsr-3538	262	23	financial	financial	ADJ
fsr-3538	262	24	behavior	behavior	NOUN
fsr-3538	262	25	,	,	PUNCT
fsr-3538	262	26	objective	objective	ADJ
fsr-3538	262	27	knowledge	knowledge	NOUN
fsr-3538	262	28	,	,	PUNCT
fsr-3538	262	29	and	and	CCONJ
fsr-3538	262	30	self	self	NOUN
fsr-3538	262	31	-	-	PUNCT
fsr-3538	262	32	esteem	esteem	NOUN
fsr-3538	262	33	than	than	ADP
fsr-3538	262	34	their	their	PRON
fsr-3538	262	35	male	male	ADJ
fsr-3538	262	36	peers	peer	NOUN
fsr-3538	262	37	.	.	PUNCT
fsr-3538	263	1	this	this	DET
fsr-3538	263	2	finding	finding	NOUN
fsr-3538	263	3	is	be	AUX
fsr-3538	263	4	consistent	consistent	ADJ
fsr-3538	263	5	with	with	ADP
fsr-3538	263	6	gerrans	gerran	NOUN
fsr-3538	263	7	and	and	CCONJ
fsr-3538	263	8	heaney	heaney	NOUN
fsr-3538	263	9	(	(	PUNCT
fsr-3538	263	10	2019	2019	NUM
fsr-3538	263	11	)	)	PUNCT
fsr-3538	263	12	and	and	CCONJ
fsr-3538	263	13	h2b	h2b	PROPN
fsr-3538	263	14	.	.	PUNCT
fsr-3538	264	1	panel	panel	PROPN
fsr-3538	264	2	b	b	PROPN
fsr-3538	264	3	of	of	ADP
fsr-3538	264	4	table	table	NOUN
fsr-3538	264	5	5	5	NUM
fsr-3538	264	6	reports	report	VERB
fsr-3538	264	7	the	the	DET
fsr-3538	264	8	subgroup	subgroup	NOUN
fsr-3538	264	9	results	result	VERB
fsr-3538	264	10	by	by	ADP
fsr-3538	264	11	modality	modality	NOUN
fsr-3538	264	12	(	(	PUNCT
fsr-3538	264	13	in	in	ADP
fsr-3538	264	14	person	person	NOUN
fsr-3538	264	15	,	,	PUNCT
fsr-3538	264	16	2017	2017	NUM
fsr-3538	264	17	-	-	SYM
fsr-3538	264	18	2019	2019	NUM
fsr-3538	264	19	vs.	vs.	ADP
fsr-3538	264	20	online	online	NOUN
fsr-3538	264	21	/	/	SYM
fsr-3538	264	22	hybrid	hybrid	NOUN
fsr-3538	264	23	,	,	PUNCT
fsr-3538	264	24	2020	2020	NUM
fsr-3538	264	25	-	-	SYM
fsr-3538	264	26	2021	2021	NUM
fsr-3538	264	27	)	)	PUNCT
fsr-3538	264	28	.	.	PUNCT
fsr-3538	265	1	the	the	DET
fsr-3538	265	2	statistically	statistically	ADV
fsr-3538	265	3	significant	significant	ADJ
fsr-3538	265	4	differences	difference	NOUN
fsr-3538	265	5	between	between	ADP
fsr-3538	265	6	preand	preand	NOUN
fsr-3538	265	7	postsurvey	postsurvey	NOUN
fsr-3538	265	8	in	in	ADP
fsr-3538	265	9	all	all	DET
fsr-3538	265	10	areas	area	NOUN
fsr-3538	265	11	of	of	ADP
fsr-3538	265	12	financial	financial	ADJ
fsr-3538	265	13	literacy	literacy	NOUN
fsr-3538	265	14	and	and	CCONJ
fsr-3538	265	15	both	both	DET
fsr-3538	265	16	modalities	modality	NOUN
fsr-3538	265	17	show	show	VERB
fsr-3538	265	18	that	that	SCONJ
fsr-3538	265	19	students	student	NOUN
fsr-3538	265	20	have	have	VERB
fsr-3538	265	21	significant	significant	ADJ
fsr-3538	265	22	improvements	improvement	NOUN
fsr-3538	265	23	after	after	ADP
fsr-3538	265	24	the	the	DET
fsr-3538	265	25	literacy	literacy	NOUN
fsr-3538	265	26	program	program	NOUN
fsr-3538	265	27	in	in	ADP
fsr-3538	265	28	both	both	DET
fsr-3538	265	29	modalities	modality	NOUN
fsr-3538	265	30	.	.	PUNCT
fsr-3538	266	1	these	these	DET
fsr-3538	266	2	findings	finding	NOUN
fsr-3538	266	3	reject	reject	VERB
fsr-3538	266	4	h1	h1	PROPN
fsr-3538	266	5	and	and	CCONJ
fsr-3538	266	6	are	be	AUX
fsr-3538	266	7	consistent	consistent	ADJ
fsr-3538	266	8	with	with	ADP
fsr-3538	266	9	wolla	wolla	NOUN
fsr-3538	266	10	’s	’s	PART
fsr-3538	266	11	(	(	PUNCT
fsr-3538	266	12	2017	2017	NUM
fsr-3538	266	13	)	)	PUNCT
fsr-3538	266	14	finding	find	VERB
fsr-3538	266	15	that	that	SCONJ
fsr-3538	266	16	online	online	ADJ
fsr-3538	266	17	learning	learning	NOUN
fsr-3538	266	18	effectively	effectively	ADV
fsr-3538	266	19	increases	increase	VERB
fsr-3538	266	20	financial	financial	ADJ
fsr-3538	266	21	knowledge	knowledge	NOUN
fsr-3538	266	22	among	among	ADP
fsr-3538	266	23	high	high	ADJ
fsr-3538	266	24	school	school	NOUN
fsr-3538	266	25	students	student	NOUN
fsr-3538	266	26	.	.	PUNCT
fsr-3538	267	1	further	far	ADV
fsr-3538	267	2	,	,	PUNCT
fsr-3538	267	3	students	student	NOUN
fsr-3538	267	4	’	'	PUNCT
fsr-3538	267	5	financial	financial	ADJ
fsr-3538	267	6	behavior	behavior	NOUN
fsr-3538	267	7	gains	gain	NOUN
fsr-3538	267	8	are	be	AUX
fsr-3538	267	9	statistically	statistically	ADV
fsr-3538	267	10	significantly	significantly	ADV
fsr-3538	267	11	higher	high	ADJ
fsr-3538	267	12	in	in	ADP
fsr-3538	267	13	2020	2020	NUM
fsr-3538	267	14	-	-	SYM
fsr-3538	267	15	2021	2021	NUM
fsr-3538	267	16	than	than	ADP
fsr-3538	267	17	the	the	DET
fsr-3538	267	18	gains	gain	NOUN
fsr-3538	267	19	experienced	experience	VERB
fsr-3538	267	20	during	during	ADP
fsr-3538	267	21	20172019	20172019	NUM
fsr-3538	267	22	.	.	PUNCT
fsr-3538	268	1	however	however	ADV
fsr-3538	268	2	,	,	PUNCT
fsr-3538	268	3	this	this	DET
fsr-3538	268	4	result	result	NOUN
fsr-3538	268	5	should	should	AUX
fsr-3538	268	6	be	be	AUX
fsr-3538	268	7	interpreted	interpret	VERB
fsr-3538	268	8	with	with	ADP
fsr-3538	268	9	caution	caution	NOUN
fsr-3538	268	10	as	as	SCONJ
fsr-3538	268	11	the	the	DET
fsr-3538	268	12	sample	sample	NOUN
fsr-3538	268	13	has	have	VERB
fsr-3538	268	14	a	a	DET
fsr-3538	268	15	potential	potential	ADJ
fsr-3538	268	16	attrition	attrition	NOUN
fsr-3538	268	17	issue	issue	NOUN
fsr-3538	268	18	because	because	SCONJ
fsr-3538	268	19	of	of	ADP
fsr-3538	268	20	covid-19	covid-19	PROPN
fsr-3538	268	21	and	and	CCONJ
fsr-3538	268	22	will	will	AUX
fsr-3538	268	23	be	be	AUX
fsr-3538	268	24	tested	test	VERB
fsr-3538	268	25	with	with	ADP
fsr-3538	268	26	more	more	ADJ
fsr-3538	268	27	robustness	robustness	NOUN
fsr-3538	268	28	checks	check	NOUN
fsr-3538	268	29	.	.	PUNCT
fsr-3538	269	1	next	next	ADV
fsr-3538	269	2	,	,	PUNCT
fsr-3538	269	3	we	we	PRON
fsr-3538	269	4	run	run	VERB
fsr-3538	269	5	regression	regression	NOUN
fsr-3538	269	6	analysis	analysis	NOUN
fsr-3538	269	7	to	to	PART
fsr-3538	269	8	examine	examine	VERB
fsr-3538	269	9	how	how	SCONJ
fsr-3538	269	10	student	student	NOUN
fsr-3538	269	11	characteristics	characteristic	NOUN
fsr-3538	269	12	and	and	CCONJ
fsr-3538	269	13	other	other	ADJ
fsr-3538	269	14	control	control	NOUN
fsr-3538	269	15	variables	variable	NOUN
fsr-3538	269	16	affect	affect	VERB
fsr-3538	269	17	their	their	PRON
fsr-3538	269	18	knowledge	knowledge	NOUN
fsr-3538	269	19	and	and	CCONJ
fsr-3538	269	20	behavior	behavior	NOUN
fsr-3538	269	21	gains	gain	NOUN
fsr-3538	269	22	.	.	PUNCT
fsr-3538	270	1	table	table	NOUN
fsr-3538	270	2	6	6	NUM
fsr-3538	270	3	reports	report	VERB
fsr-3538	270	4	the	the	DET
fsr-3538	270	5	regression	regression	NOUN
fsr-3538	270	6	results	result	VERB
fsr-3538	270	7	.	.	PUNCT
fsr-3538	271	1	table	table	NOUN
fsr-3538	271	2	4	4	NUM
fsr-3538	271	3	t	t	NOUN
fsr-3538	271	4	-	-	PUNCT
fsr-3538	271	5	test	test	NOUN
fsr-3538	271	6	results	result	NOUN
fsr-3538	271	7	between	between	ADP
fsr-3538	271	8	preand	preand	NOUN
fsr-3538	271	9	post	post	ADJ
fsr-3538	271	10	-	-	ADJ
fsr-3538	271	11	survey	survey	ADJ
fsr-3538	271	12	question	question	NOUN
fsr-3538	271	13	type	type	NOUN
fsr-3538	271	14	pre	pre	X
fsr-3538	271	15	post	post	PROPN
fsr-3538	271	16	diff	diff	PROPN
fsr-3538	271	17	t	t	PROPN
fsr-3538	271	18	-	-	PUNCT
fsr-3538	271	19	stat	stat	PROPN
fsr-3538	271	20	panel	panel	NOUN
fsr-3538	271	21	a.	a.	PROPN
fsr-3538	271	22	financial	financial	ADJ
fsr-3538	271	23	subjective	subjective	ADJ
fsr-3538	271	24	knowledge	knowledge	NOUN
fsr-3538	271	25	questions	question	NOUN
fsr-3538	271	26	total	total	ADJ
fsr-3538	271	27	score	score	NOUN
fsr-3538	271	28	33.839	33.839	NUM
fsr-3538	271	29	43.963	43.963	NUM
fsr-3538	271	30	10.125	10.125	NUM
fsr-3538	271	31	36.38	36.38	NUM
fsr-3538	271	32	*	*	PUNCT
fsr-3538	271	33	*	*	PUNCT
fsr-3538	271	34	*	*	PROPN
fsr-3538	271	35	panel	panel	PROPN
fsr-3538	271	36	b.	b.	PROPN
fsr-3538	271	37	financial	financial	ADJ
fsr-3538	271	38	behavior	behavior	PROPN
fsr-3538	271	39	questions	question	NOUN
fsr-3538	271	40	total	total	VERB
fsr-3538	271	41	score	score	NOUN
fsr-3538	271	42	14.944	14.944	NUM
fsr-3538	271	43	16.365	16.365	NUM
fsr-3538	271	44	1.421	1.421	NUM
fsr-3538	271	45	15.11	15.11	NUM
fsr-3538	271	46	*	*	PUNCT
fsr-3538	271	47	*	*	PUNCT
fsr-3538	271	48	*	*	PROPN
fsr-3538	271	49	panel	panel	PROPN
fsr-3538	271	50	c.	c.	PROPN
fsr-3538	271	51	objective	objective	ADJ
fsr-3538	271	52	questions	question	NOUN
fsr-3538	271	53	(	(	PUNCT
fsr-3538	271	54	correct	correct	ADJ
fsr-3538	271	55	answers	answer	NOUN
fsr-3538	271	56	)	)	PUNCT
fsr-3538	271	57	total	total	ADJ
fsr-3538	271	58	score	score	NOUN
fsr-3538	271	59	2.970	2.970	NUM
fsr-3538	271	60	3.979	3.979	NUM
fsr-3538	271	61	1.009	1.009	NUM
fsr-3538	271	62	18.55	18.55	NUM
fsr-3538	271	63	*	*	PUNCT
fsr-3538	271	64	*	*	PUNCT
fsr-3538	271	65	*	*	PROPN
fsr-3538	271	66	panel	panel	NOUN
fsr-3538	271	67	d.	d.	PROPN
fsr-3538	271	68	objective	objective	ADJ
fsr-3538	271	69	questions	question	NOUN
fsr-3538	271	70	(	(	PUNCT
fsr-3538	271	71	“	"	PUNCT
fsr-3538	271	72	i	i	PRON
fsr-3538	271	73	do	do	AUX
fsr-3538	271	74	n’t	not	PART
fsr-3538	271	75	know	know	VERB
fsr-3538	271	76	”	"	PUNCT
fsr-3538	271	77	answers	answer	NOUN
fsr-3538	271	78	)	)	PUNCT
fsr-3538	271	79	total	total	ADJ
fsr-3538	271	80	score	score	NOUN
fsr-3538	271	81	1.690	1.690	NUM
fsr-3538	271	82	0.482	0.482	NUM
fsr-3538	271	83	"	"	PUNCT
fsr-3538	271	84	1.209	1.209	NUM
fsr-3538	271	85	"	"	PUNCT
fsr-3538	271	86	22.43	22.43	NUM
fsr-3538	271	87	*	*	PUNCT
fsr-3538	271	88	*	*	PUNCT
fsr-3538	271	89	*	*	PUNCT
fsr-3538	271	90	note	note	NOUN
fsr-3538	271	91	.	.	PUNCT
fsr-3538	272	1	table	table	NOUN
fsr-3538	272	2	4	4	NUM
fsr-3538	272	3	shows	show	VERB
fsr-3538	272	4	the	the	DET
fsr-3538	272	5	t	t	NOUN
fsr-3538	272	6	-	-	PUNCT
fsr-3538	272	7	test	test	NOUN
fsr-3538	272	8	results	result	NOUN
fsr-3538	272	9	of	of	ADP
fsr-3538	272	10	student	student	NOUN
fsr-3538	272	11	responses	response	NOUN
fsr-3538	272	12	to	to	ADP
fsr-3538	272	13	financial	financial	ADJ
fsr-3538	272	14	behavior	behavior	NOUN
fsr-3538	272	15	and	and	CCONJ
fsr-3538	272	16	knowledge	knowledge	NOUN
fsr-3538	272	17	questions	question	NOUN
fsr-3538	272	18	before	before	ADV
fsr-3538	272	19	and	and	CCONJ
fsr-3538	272	20	after	after	ADP
fsr-3538	272	21	the	the	DET
fsr-3538	272	22	financial	financial	ADJ
fsr-3538	272	23	literacy	literacy	NOUN
fsr-3538	272	24	educational	educational	ADJ
fsr-3538	272	25	efforts	effort	NOUN
fsr-3538	272	26	for	for	ADP
fsr-3538	272	27	the	the	DET
fsr-3538	272	28	test	test	NOUN
fsr-3538	272	29	sample	sample	NOUN
fsr-3538	272	30	.	.	PUNCT
fsr-3538	273	1	*	*	PUNCT
fsr-3538	274	1	*	*	PUNCT
fsr-3538	274	2	*	*	PUNCT
fsr-3538	274	3	,	,	PUNCT
fsr-3538	274	4	*	*	PUNCT
fsr-3538	274	5	*	*	PUNCT
fsr-3538	274	6	,	,	PUNCT
fsr-3538	274	7	*	*	PUNCT
fsr-3538	274	8	indicate	indicate	VERB
fsr-3538	274	9	statistical	statistical	ADJ
fsr-3538	274	10	significance	significance	NOUN
fsr-3538	274	11	at	at	ADP
fsr-3538	274	12	0.01	0.01	NUM
fsr-3538	274	13	,	,	PUNCT
fsr-3538	274	14	0.05	0.05	NUM
fsr-3538	274	15	,	,	PUNCT
fsr-3538	274	16	and	and	CCONJ
fsr-3538	274	17	0.10	0.10	NUM
fsr-3538	274	18	level	level	NOUN
fsr-3538	274	19	,	,	PUNCT
fsr-3538	274	20	respectively	respectively	ADV
fsr-3538	274	21	.	.	PUNCT
fsr-3538	275	1	g.	g.	PROPN
fsr-3538	275	2	filbeck	filbeck	NOUN
fsr-3538	275	3	and	and	CCONJ
fsr-3538	275	4	x.	x.	NOUN
fsr-3538	275	5	zhao	zhao	PROPN
fsr-3538	275	6	/	/	SYM
fsr-3538	275	7	financial	financial	ADJ
fsr-3538	275	8	services	service	NOUN
fsr-3538	275	9	review	review	VERB
fsr-3538	275	10	31	31	NUM
fsr-3538	275	11	(	(	PUNCT
fsr-3538	275	12	2023	2023	NUM
fsr-3538	275	13	)	)	PUNCT
fsr-3538	275	14	169–196	169–196	NUM
fsr-3538	275	15	181	181	NUM
fsr-3538	275	16	t	t	PROPN
fsr-3538	275	17	ab	ab	PROPN
fsr-3538	275	18	le	le	PROPN
fsr-3538	275	19	5	5	NUM
fsr-3538	275	20	tte	tte	PROPN
fsr-3538	275	21	st	st	PROPN
fsr-3538	275	22	r	r	NOUN
fsr-3538	275	23	es	es	X
fsr-3538	275	24	u	u	NOUN
fsr-3538	275	25	lt	lt	PROPN
fsr-3538	275	26	s	s	PROPN
fsr-3538	275	27	b	b	PROPN
fsr-3538	275	28	et	et	PROPN
fsr-3538	275	29	w	w	PROPN
fsr-3538	275	30	ee	ee	PROPN
fsr-3538	275	31	n	n	PROPN
fsr-3538	275	32	p	p	X
fsr-3538	275	33	re	re	ADP
fsr-3538	275	34	an	an	PRON
fsr-3538	275	35	d	d	X
fsr-3538	275	36	p	p	X
fsr-3538	275	37	o	o	X
fsr-3538	275	38	st	st	X
fsr-3538	275	39	-s	-s	X
fsr-3538	275	40	u	u	NOUN
fsr-3538	275	41	rv	rv	NOUN
fsr-3538	275	42	ey	ey	INTJ
fsr-3538	276	1	fo	fo	INTJ
fsr-3538	276	2	r	r	NOUN
fsr-3538	276	3	d	d	NOUN
fsr-3538	276	4	if	if	SCONJ
fsr-3538	276	5	fe	fe	X
fsr-3538	276	6	re	re	X
fsr-3538	276	7	n	n	PROPN
fsr-3538	276	8	t	t	PROPN
fsr-3538	276	9	su	su	PROPN
fsr-3538	277	1	b	b	PROPN
fsr-3538	277	2	sa	sa	PROPN
fsr-3538	277	3	m	m	PROPN
fsr-3538	277	4	p	p	X
fsr-3538	277	5	le	le	X
fsr-3538	277	6	s	s	PROPN
fsr-3538	277	7	s	s	PROPN
fsr-3538	277	8	u	u	PROPN
fsr-3538	277	9	b	b	PROPN
fsr-3538	277	10	sa	sa	PROPN
fsr-3538	277	11	m	m	PROPN
fsr-3538	277	12	p	p	X
fsr-3538	277	13	le	le	X
fsr-3538	277	14	ty	ty	NOUN
fsr-3538	277	15	p	p	X
fsr-3538	277	16	e	e	X
fsr-3538	277	17	f	f	PROPN
fsr-3538	277	18	in	in	ADP
fsr-3538	277	19	an	an	DET
fsr-3538	277	20	ci	ci	PROPN
fsr-3538	277	21	al	al	PROPN
fsr-3538	277	22	b	b	PROPN
fsr-3538	277	23	eh	eh	INTJ
fsr-3538	277	24	av	av	PROPN
fsr-3538	277	25	io	io	NOUN
fsr-3538	278	1	r	r	PROPN
fsr-3538	278	2	s	s	PROPN
fsr-3538	278	3	u	u	PROPN
fsr-3538	278	4	b	b	PROPN
fsr-3538	278	5	je	je	X
fsr-3538	278	6	ct	ct	NUM
fsr-3538	278	7	iv	iv	NUM
fsr-3538	278	8	e	e	X
fsr-3538	278	9	q	q	X
fsr-3538	278	10	u	u	NOUN
fsr-3538	278	11	es	es	X
fsr-3538	278	12	ti	ti	NOUN
fsr-3538	278	13	o	o	NOUN
fsr-3538	278	14	n	n	PROPN
fsr-3538	278	15	s	s	PROPN
fsr-3538	278	16	o	o	X
fsr-3538	278	17	b	b	X
fsr-3538	278	18	je	je	X
fsr-3538	278	19	ct	ct	NUM
fsr-3538	278	20	iv	iv	NUM
fsr-3538	278	21	e	e	X
fsr-3538	278	22	q	q	X
fsr-3538	278	23	u	u	NOUN
fsr-3538	278	24	es	es	X
fsr-3538	278	25	ti	ti	NOUN
fsr-3538	278	26	o	o	NOUN
fsr-3538	278	27	n	n	PROPN
fsr-3538	278	28	s	s	PROPN
fsr-3538	278	29	s	s	PROPN
fsr-3538	278	30	el	el	PROPN
fsr-3538	278	31	f	f	PROPN
fsr-3538	278	32	es	es	X
fsr-3538	278	33	te	te	ADP
fsr-3538	278	34	em	em	PRON
fsr-3538	278	35	p	p	X
fsr-3538	278	36	re	re	ADP
fsr-3538	278	37	p	p	PROPN
fsr-3538	278	38	o	o	PROPN
fsr-3538	278	39	st	st	PROPN
fsr-3538	279	1	p	p	X
fsr-3538	279	2	o	o	PROPN
fsr-3538	279	3	st	st	PROPN
fsr-3538	279	4	p	p	X
fsr-3538	279	5	re	re	ADP
fsr-3538	279	6	p	p	NOUN
fsr-3538	279	7	re	re	ADP
fsr-3538	279	8	p	p	X
fsr-3538	279	9	o	o	PROPN
fsr-3538	279	10	st	st	PROPN
fsr-3538	280	1	p	p	X
fsr-3538	280	2	o	o	PROPN
fsr-3538	280	3	st	st	PROPN
fsr-3538	280	4	p	p	X
fsr-3538	280	5	re	re	ADP
fsr-3538	280	6	p	p	NOUN
fsr-3538	280	7	re	re	ADP
fsr-3538	280	8	p	p	X
fsr-3538	280	9	o	o	PROPN
fsr-3538	280	10	st	st	PROPN
fsr-3538	281	1	p	p	X
fsr-3538	281	2	os	os	PROPN
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fsr-3538	281	4	p	p	X
fsr-3538	281	5	re	re	ADP
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fsr-3538	281	8	p	p	X
fsr-3538	281	9	o	o	PROPN
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fsr-3538	282	1	p	p	X
fsr-3538	282	2	o	o	PROPN
fsr-3538	282	3	st	st	PROPN
fsr-3538	283	1	p	p	X
fsr-3538	283	2	re	re	ADP
fsr-3538	283	3	p	p	NOUN
fsr-3538	283	4	an	an	PROPN
fsr-3538	283	5	el	el	PROPN
fsr-3538	283	6	a	a	INTJ
fsr-3538	283	7	.	.	PUNCT
fsr-3538	284	1	s	s	VERB
fsr-3538	284	2	u	u	PROPN
fsr-3538	284	3	b	b	PROPN
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fsr-3538	284	5	m	m	PROPN
fsr-3538	284	6	p	p	X
fsr-3538	284	7	le	le	X
fsr-3538	284	8	s	s	PROPN
fsr-3538	284	9	b	b	X
fsr-3538	284	10	y	y	PROPN
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fsr-3538	284	15	m	m	VERB
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fsr-3538	284	19	1	1	X
fsr-3538	284	20	)	)	PUNCT
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fsr-3538	284	23	.4	.4	NUM
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fsr-3538	284	26	4	4	NUM
fsr-3538	284	27	3	3	NUM
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fsr-3538	284	29	0	0	NUM
fsr-3538	284	30	2	2	NUM
fsr-3538	284	31	9	9	NUM
fsr-3538	284	32	.1	.1	NUM
fsr-3538	284	33	3	3	NUM
fsr-3538	284	34	8	8	NUM
fsr-3538	284	35	*	*	PUNCT
fsr-3538	285	1	*	*	PUNCT
fsr-3538	285	2	*	*	PUNCT
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fsr-3538	286	3	.9	.9	NUM
fsr-3538	286	4	01	01	NUM
fsr-3538	286	5	1	1	NUM
fsr-3538	286	6	6	6	NUM
fsr-3538	286	7	.2	.2	NUM
fsr-3538	286	8	70	70	NUM
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fsr-3538	287	1	*	*	PUNCT
fsr-3538	287	2	*	*	PUNCT
fsr-3538	287	3	3	3	NUM
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fsr-3538	287	5	1	1	NUM
fsr-3538	287	6	5	5	NUM
fsr-3538	287	7	4	4	NUM
fsr-3538	287	8	.0	.0	NUM
fsr-3538	287	9	7	7	NUM
fsr-3538	287	10	2	2	NUM
fsr-3538	287	11	0	0	NUM
fsr-3538	287	12	.8	.8	NUM
fsr-3538	287	13	5	5	NUM
fsr-3538	287	14	7	7	NUM
fsr-3538	287	15	*	*	PUNCT
fsr-3538	288	1	*	*	PUNCT
fsr-3538	288	2	*	*	PUNCT
fsr-3538	288	3	1	1	NUM
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fsr-3538	288	5	1	1	NUM
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fsr-3538	288	7	0	0	NUM
fsr-3538	289	1	.4	.4	NUM
fsr-3538	289	2	2	2	NUM
fsr-3538	289	3	5	5	NUM
fsr-3538	289	4	"	"	PUNCT
fsr-3538	289	5	0	0	NUM
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fsr-3538	290	2	8	8	NUM
fsr-3538	290	3	5	5	NUM
fsr-3538	290	4	*	*	PUNCT
fsr-3538	291	1	*	*	PUNCT
fsr-3538	291	2	*	*	PUNCT
fsr-3538	291	3	f	f	X
fsr-3538	291	4	em	em	PROPN
fsr-3538	291	5	al	al	PROPN
fsr-3538	291	6	e	e	PROPN
fsr-3538	291	7	(	(	PUNCT
fsr-3538	291	8	2	2	NUM
fsr-3538	291	9	)	)	PUNCT
fsr-3538	291	10	3	3	NUM
fsr-3538	291	11	3	3	NUM
fsr-3538	291	12	.1	.1	NUM
fsr-3538	291	13	7	7	NUM
fsr-3538	291	14	7	7	NUM
fsr-3538	291	15	4	4	NUM
fsr-3538	291	16	4	4	NUM
fsr-3538	291	17	.3	.3	NUM
fsr-3538	291	18	4	4	NUM
fsr-3538	291	19	5	5	NUM
fsr-3538	291	20	1	1	NUM
fsr-3538	291	21	1	1	NUM
fsr-3538	291	22	.1	.1	NUM
fsr-3538	291	23	6	6	NUM
fsr-3538	291	24	8	8	NUM
fsr-3538	291	25	*	*	PUNCT
fsr-3538	292	1	*	*	PUNCT
fsr-3538	292	2	*	*	PUNCT
fsr-3538	292	3	1	1	NUM
fsr-3538	292	4	4	4	NUM
fsr-3538	292	5	.9	.9	NUM
fsr-3538	292	6	89	89	NUM
fsr-3538	292	7	1	1	NUM
fsr-3538	292	8	6	6	NUM
fsr-3538	292	9	.4	.4	NUM
fsr-3538	292	10	66	66	NUM
fsr-3538	292	11	2	2	NUM
fsr-3538	292	12	.7	.7	NUM
fsr-3538	292	13	1	1	NUM
fsr-3538	292	14	1	1	NUM
fsr-3538	292	15	*	*	PUNCT
fsr-3538	293	1	*	*	PUNCT
fsr-3538	293	2	*	*	PUNCT
fsr-3538	293	3	3	3	NUM
fsr-3538	293	4	.8	.8	NUM
fsr-3538	293	5	8	8	NUM
fsr-3538	293	6	1	1	NUM
fsr-3538	293	7	3	3	NUM
fsr-3538	293	8	.8	.8	NUM
fsr-3538	293	9	8	8	NUM
fsr-3538	293	10	1	1	NUM
fsr-3538	293	11	1	1	NUM
fsr-3538	293	12	.1	.1	NUM
fsr-3538	293	13	7	7	NUM
fsr-3538	293	14	0	0	NUM
fsr-3538	294	1	*	*	PUNCT
fsr-3538	295	1	*	*	PUNCT
fsr-3538	295	2	*	*	PUNCT
fsr-3538	295	3	1	1	NUM
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fsr-3538	295	5	8	8	NUM
fsr-3538	295	6	7	7	NUM
fsr-3538	295	7	0	0	NUM
fsr-3538	295	8	.5	.5	NUM
fsr-3538	295	9	4	4	NUM
fsr-3538	295	10	2	2	NUM
fsr-3538	295	11	"	"	PUNCT
fsr-3538	295	12	1	1	NUM
fsr-3538	295	13	.4	.4	NUM
fsr-3538	295	14	4	4	NUM
fsr-3538	295	15	6	6	NUM
fsr-3538	295	16	*	*	PUNCT
fsr-3538	295	17	*	*	PUNCT
fsr-3538	295	18	*	*	PUNCT
fsr-3538	295	19	(	(	PUNCT
fsr-3538	295	20	1	1	NUM
fsr-3538	295	21	)	)	PUNCT
fsr-3538	295	22	"	"	PUNCT
fsr-3538	295	23	(	(	PUNCT
fsr-3538	295	24	2	2	NUM
fsr-3538	295	25	)	)	PUNCT
fsr-3538	295	26	"	"	PUNCT
fsr-3538	295	27	2	2	NUM
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fsr-3538	295	29	3	3	NUM
fsr-3538	295	30	0	0	NUM
fsr-3538	296	1	*	*	PUNCT
fsr-3538	296	2	*	*	PUNCT
fsr-3538	296	3	*	*	PUNCT
fsr-3538	296	4	"	"	PUNCT
fsr-3538	296	5	0	0	NUM
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fsr-3538	296	7	0	0	NUM
fsr-3538	296	8	8	8	NUM
fsr-3538	296	9	"	"	SYM
fsr-3538	296	10	0	0	NUM
fsr-3538	296	11	.3	.3	NUM
fsr-3538	296	12	1	1	NUM
fsr-3538	296	13	3	3	NUM
fsr-3538	296	14	*	*	PUNCT
fsr-3538	297	1	*	*	PUNCT
fsr-3538	298	1	*	*	PUNCT
fsr-3538	298	2	0	0	NUM
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fsr-3538	299	2	6	6	NUM
fsr-3538	299	3	1	1	NUM
fsr-3538	299	4	*	*	PUNCT
fsr-3538	299	5	*	*	PUNCT
fsr-3538	300	1	*	*	PUNCT
fsr-3538	300	2	p	p	X
fsr-3538	300	3	an	an	DET
fsr-3538	300	4	el	el	PROPN
fsr-3538	300	5	b	b	PROPN
fsr-3538	300	6	.	.	PUNCT
fsr-3538	301	1	s	s	PROPN
fsr-3538	302	1	u	u	PROPN
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fsr-3538	302	4	m	m	PROPN
fsr-3538	302	5	p	p	X
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fsr-3538	302	7	s	s	PROPN
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fsr-3538	302	10	y	y	PROPN
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fsr-3538	302	12	r	r	NOUN
fsr-3538	302	13	y	y	PROPN
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fsr-3538	302	20	-2	-2	NOUN
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fsr-3538	302	22	9	9	NUM
fsr-3538	302	23	(	(	PUNCT
fsr-3538	302	24	3	3	NUM
fsr-3538	302	25	)	)	PUNCT
fsr-3538	302	26	3	3	NUM
fsr-3538	302	27	3	3	NUM
fsr-3538	302	28	.7	.7	NUM
fsr-3538	302	29	8	8	NUM
fsr-3538	302	30	0	0	NUM
fsr-3538	302	31	4	4	NUM
fsr-3538	302	32	3	3	NUM
fsr-3538	302	33	.6	.6	NUM
fsr-3538	302	34	7	7	NUM
fsr-3538	302	35	7	7	NUM
fsr-3538	302	36	9	9	NUM
fsr-3538	302	37	.8	.8	NUM
fsr-3538	302	38	9	9	NUM
fsr-3538	302	39	7	7	NUM
fsr-3538	302	40	*	*	PUNCT
fsr-3538	303	1	*	*	PUNCT
fsr-3538	303	2	*	*	PUNCT
fsr-3538	303	3	1	1	NUM
fsr-3538	303	4	4	4	NUM
fsr-3538	303	5	.7	.7	NUM
fsr-3538	303	6	95	95	NUM
fsr-3538	303	7	1	1	NUM
fsr-3538	303	8	6	6	NUM
fsr-3538	303	9	.3	.3	NUM
fsr-3538	303	10	34	34	NUM
fsr-3538	303	11	1	1	NUM
fsr-3538	303	12	.5	.5	NUM
fsr-3538	303	13	3	3	NUM
fsr-3538	303	14	9	9	NUM
fsr-3538	303	15	*	*	PUNCT
fsr-3538	304	1	*	*	PUNCT
fsr-3538	304	2	*	*	PUNCT
fsr-3538	304	3	2	2	NUM
fsr-3538	304	4	.9	.9	NUM
fsr-3538	304	5	3	3	NUM
fsr-3538	304	6	6	6	NUM
fsr-3538	304	7	3	3	NUM
fsr-3538	304	8	.9	.9	NUM
fsr-3538	304	9	4	4	NUM
fsr-3538	304	10	4	4	NUM
fsr-3538	304	11	1	1	NUM
fsr-3538	304	12	.0	.0	NUM
fsr-3538	304	13	0	0	NUM
fsr-3538	304	14	7	7	NUM
fsr-3538	304	15	*	*	PUNCT
fsr-3538	304	16	*	*	PUNCT
fsr-3538	305	1	*	*	PUNCT
fsr-3538	305	2	1	1	NUM
fsr-3538	305	3	.7	.7	NUM
fsr-3538	305	4	7	7	NUM
fsr-3538	305	5	0	0	NUM
fsr-3538	305	6	0	0	NUM
fsr-3538	305	7	.5	.5	NUM
fsr-3538	305	8	5	5	NUM
fsr-3538	305	9	5	5	NUM
fsr-3538	305	10	"	"	PUNCT
fsr-3538	305	11	1	1	NUM
fsr-3538	306	1	.2	.2	NUM
fsr-3538	306	2	1	1	NUM
fsr-3538	306	3	5	5	NUM
fsr-3538	306	4	*	*	PUNCT
fsr-3538	306	5	*	*	PUNCT
fsr-3538	306	6	*	*	PUNCT
fsr-3538	306	7	y	y	X
fsr-3538	306	8	ea	ea	NOUN
fsr-3538	306	9	r	r	NOUN
fsr-3538	306	10	2	2	NUM
fsr-3538	306	11	0	0	NUM
fsr-3538	306	12	2	2	NUM
fsr-3538	306	13	0	0	NUM
fsr-3538	306	14	2	2	NUM
fsr-3538	306	15	0	0	NUM
fsr-3538	306	16	2	2	NUM
fsr-3538	306	17	1	1	NUM
fsr-3538	306	18	(	(	PUNCT
fsr-3538	306	19	4	4	NUM
fsr-3538	306	20	)	)	PUNCT
fsr-3538	306	21	3	3	NUM
fsr-3538	306	22	3	3	NUM
fsr-3538	306	23	.9	.9	NUM
fsr-3538	306	24	9	9	NUM
fsr-3538	306	25	7	7	NUM
fsr-3538	306	26	4	4	NUM
fsr-3538	306	27	4	4	NUM
fsr-3538	306	28	.7	.7	NUM
fsr-3538	306	29	3	3	NUM
fsr-3538	306	30	9	9	NUM
fsr-3538	306	31	1	1	NUM
fsr-3538	306	32	0	0	NUM
fsr-3538	306	33	.7	.7	NUM
fsr-3538	306	34	4	4	NUM
fsr-3538	306	35	3	3	NUM
fsr-3538	306	36	*	*	PUNCT
fsr-3538	306	37	*	*	PUNCT
fsr-3538	306	38	*	*	PUNCT
fsr-3538	306	39	1	1	NUM
fsr-3538	306	40	5	5	NUM
fsr-3538	306	41	.3	.3	NUM
fsr-3538	306	42	49	49	NUM
fsr-3538	306	43	1	1	NUM
fsr-3538	306	44	6	6	NUM
fsr-3538	306	45	.4	.4	NUM
fsr-3538	306	46	50	50	NUM
fsr-3538	306	47	1	1	NUM
fsr-3538	306	48	.1	.1	NUM
fsr-3538	306	49	0	0	NUM
fsr-3538	306	50	1	1	NUM
fsr-3538	306	51	*	*	PUNCT
fsr-3538	306	52	*	*	PUNCT
fsr-3538	306	53	*	*	PUNCT
fsr-3538	306	54	3	3	NUM
fsr-3538	306	55	.0	.0	NUM
fsr-3538	306	56	6	6	NUM
fsr-3538	306	57	2	2	NUM
fsr-3538	306	58	4	4	NUM
fsr-3538	306	59	.0	.0	NUM
fsr-3538	306	60	7	7	NUM
fsr-3538	306	61	5	5	NUM
fsr-3538	306	62	1	1	NUM
fsr-3538	306	63	.0	.0	NUM
fsr-3538	306	64	1	1	NUM
fsr-3538	306	65	3	3	NUM
fsr-3538	306	66	*	*	PUNCT
fsr-3538	306	67	*	*	PUNCT
fsr-3538	306	68	*	*	PUNCT
fsr-3538	306	69	1	1	NUM
fsr-3538	306	70	.4	.4	NUM
fsr-3538	306	71	7	7	NUM
fsr-3538	306	72	6	6	NUM
fsr-3538	306	73	0	0	NUM
fsr-3538	306	74	.2	.2	NUM
fsr-3538	306	75	8	8	NUM
fsr-3538	306	76	3	3	NUM
fsr-3538	306	77	"	"	PUNCT
fsr-3538	306	78	1	1	NUM
fsr-3538	306	79	.1	.1	NUM
fsr-3538	306	80	9	9	NUM
fsr-3538	306	81	2	2	NUM
fsr-3538	306	82	*	*	PUNCT
fsr-3538	307	1	*	*	PUNCT
fsr-3538	307	2	*	*	PUNCT
fsr-3538	307	3	(	(	PUNCT
fsr-3538	307	4	3	3	NUM
fsr-3538	307	5	)	)	PUNCT
fsr-3538	307	6	"	"	PUNCT
fsr-3538	307	7	(	(	PUNCT
fsr-3538	307	8	4	4	NUM
fsr-3538	307	9	)	)	PUNCT
fsr-3538	307	10	"	"	PUNCT
fsr-3538	307	11	0	0	NUM
fsr-3538	308	1	.5	.5	NUM
fsr-3538	308	2	5	5	NUM
fsr-3538	308	3	3	3	NUM
fsr-3538	308	4	*	*	PUNCT
fsr-3538	309	1	*	*	PUNCT
fsr-3538	310	1	*	*	PUNCT
fsr-3538	310	2	0	0	NUM
fsr-3538	311	1	.4	.4	NUM
fsr-3538	311	2	3	3	NUM
fsr-3538	311	3	8	8	NUM
fsr-3538	311	4	"	"	SYM
fsr-3538	311	5	0	0	NUM
fsr-3538	311	6	.0	.0	NUM
fsr-3538	311	7	0	0	NUM
fsr-3538	311	8	6	6	NUM
fsr-3538	311	9	"	"	SYM
fsr-3538	311	10	0	0	NUM
fsr-3538	312	1	.0	.0	NUM
fsr-3538	312	2	2	2	NUM
fsr-3538	312	3	3	3	NUM
fsr-3538	312	4	n	n	NUM
fsr-3538	312	5	o	o	NOUN
fsr-3538	312	6	te	te	INTJ
fsr-3538	312	7	.	.	PUNCT
fsr-3538	313	1	t	t	PROPN
fsr-3538	313	2	ab	ab	PROPN
fsr-3538	313	3	le	le	PROPN
fsr-3538	313	4	5	5	NUM
fsr-3538	314	1	sh	sh	INTJ
fsr-3538	314	2	o	o	PROPN
fsr-3538	314	3	w	w	PROPN
fsr-3538	314	4	s	s	X
fsr-3538	314	5	th	th	X
fsr-3538	314	6	e	e	X
fsr-3538	314	7	tte	tte	PROPN
fsr-3538	314	8	st	st	PROPN
fsr-3538	314	9	re	re	PROPN
fsr-3538	314	10	su	su	PROPN
fsr-3538	315	1	lt	lt	PROPN
fsr-3538	315	2	s	s	PROPN
fsr-3538	315	3	o	o	X
fsr-3538	315	4	f	f	PROPN
fsr-3538	315	5	st	st	PROPN
fsr-3538	315	6	u	u	PROPN
fsr-3538	315	7	d	d	PROPN
fsr-3538	315	8	en	en	PROPN
fsr-3538	315	9	t	t	PROPN
fsr-3538	315	10	re	re	VERB
fsr-3538	315	11	sp	sp	ADP
fsr-3538	315	12	o	o	PROPN
fsr-3538	315	13	n	n	X
fsr-3538	315	14	se	se	PROPN
fsr-3538	315	15	s	s	VERB
fsr-3538	315	16	to	to	PART
fsr-3538	315	17	se	se	PROPN
fsr-3538	315	18	lf	lf	PROPN
fsr-3538	315	19	-e	-e	PROPN
fsr-3538	315	20	st	st	PROPN
fsr-3538	315	21	ee	ee	PROPN
fsr-3538	315	22	m	m	PROPN
fsr-3538	315	23	,	,	PUNCT
fsr-3538	315	24	fi	fi	NOUN
fsr-3538	315	25	n	n	CCONJ
fsr-3538	315	26	an	an	DET
fsr-3538	315	27	ci	ci	PROPN
fsr-3538	315	28	al	al	PROPN
fsr-3538	315	29	b	b	PROPN
fsr-3538	315	30	eh	eh	INTJ
fsr-3538	315	31	av	av	PROPN
fsr-3538	315	32	io	io	PROPN
fsr-3538	315	33	r	r	PROPN
fsr-3538	315	34	,	,	PUNCT
fsr-3538	315	35	su	su	PROPN
fsr-3538	315	36	b	b	PROPN
fsr-3538	315	37	je	je	X
fsr-3538	315	38	ct	ct	NUM
fsr-3538	315	39	iv	iv	NUM
fsr-3538	315	40	e	e	NOUN
fsr-3538	315	41	,	,	PUNCT
fsr-3538	315	42	an	an	DET
fsr-3538	315	43	d	d	X
fsr-3538	315	44	o	o	X
fsr-3538	315	45	b	b	X
fsr-3538	315	46	je	je	X
fsr-3538	315	47	ct	ct	NUM
fsr-3538	315	48	iv	iv	NUM
fsr-3538	315	49	e	e	X
fsr-3538	315	50	q	q	X
fsr-3538	315	51	u	u	NOUN
fsr-3538	315	52	es	es	X
fsr-3538	315	53	ti	ti	NOUN
fsr-3538	315	54	o	o	NOUN
fsr-3538	315	55	n	n	PROPN
fsr-3538	315	56	s	s	PROPN
fsr-3538	315	57	b	b	X
fsr-3538	315	58	ef	ef	ADP
fsr-3538	315	59	o	o	X
fsr-3538	315	60	re	re	ADP
fsr-3538	315	61	an	an	DET
fsr-3538	315	62	d	d	X
fsr-3538	315	63	af	af	ADP
fsr-3538	315	64	te	te	PROPN
fsr-3538	315	65	r	r	NOUN
fsr-3538	315	66	th	th	X
fsr-3538	315	67	e	e	NOUN
fsr-3538	315	68	fi	fi	NOUN
fsr-3538	315	69	n	n	CCONJ
fsr-3538	315	70	an	an	DET
fsr-3538	315	71	ci	ci	PROPN
fsr-3538	315	72	al	al	PROPN
fsr-3538	315	73	li	li	PROPN
fsr-3538	316	1	te	te	PROPN
fsr-3538	316	2	ra	ra	PROPN
fsr-3538	316	3	cy	cy	PROPN
fsr-3538	316	4	ed	ed	PROPN
fsr-3538	316	5	u	u	PROPN
fsr-3538	316	6	ca	can	AUX
fsr-3538	316	7	ti	ti	NOUN
fsr-3538	316	8	o	o	PROPN
fsr-3538	316	9	n	n	INTJ
fsr-3538	316	10	al	al	PROPN
fsr-3538	316	11	ef	ef	PROPN
fsr-3538	317	1	fo	fo	INTJ
fsr-3538	317	2	rt	rt	PROPN
fsr-3538	317	3	s	s	NOUN
fsr-3538	317	4	fo	fo	INTJ
fsr-3538	317	5	r	r	NOUN
fsr-3538	317	6	d	d	NOUN
fsr-3538	317	7	if	if	SCONJ
fsr-3538	317	8	fe	fe	X
fsr-3538	317	9	re	re	X
fsr-3538	317	10	n	n	PROPN
fsr-3538	317	11	t	t	PROPN
fsr-3538	317	12	su	su	PROPN
fsr-3538	317	13	b	b	PROPN
fsr-3538	317	14	sa	sa	PROPN
fsr-3538	317	15	m	m	PROPN
fsr-3538	317	16	p	p	X
fsr-3538	317	17	le	le	X
fsr-3538	317	18	s.	s.	PROPN
fsr-3538	317	19	*	*	PUNCT
fsr-3538	318	1	*	*	PUNCT
fsr-3538	318	2	*	*	PUNCT
fsr-3538	318	3	,	,	PUNCT
fsr-3538	318	4	*	*	PUNCT
fsr-3538	319	1	*	*	PUNCT
fsr-3538	319	2	,	,	PUNCT
fsr-3538	319	3	*	*	PUNCT
fsr-3538	319	4	in	in	ADP
fsr-3538	319	5	d	d	X
fsr-3538	319	6	ic	ic	PROPN
fsr-3538	319	7	at	at	ADP
fsr-3538	319	8	e	e	PROPN
fsr-3538	319	9	st	st	PROPN
fsr-3538	319	10	at	at	ADP
fsr-3538	319	11	is	be	AUX
fsr-3538	319	12	ti	ti	NOUN
fsr-3538	319	13	ca	ca	NOUN
fsr-3538	319	14	l	l	NOUN
fsr-3538	319	15	si	si	PROPN
fsr-3538	320	1	g	g	PROPN
fsr-3538	320	2	n	n	PROPN
fsr-3538	320	3	ifi	ifi	PROPN
fsr-3538	320	4	ca	ca	PROPN
fsr-3538	320	5	n	n	ADV
fsr-3538	320	6	ce	ce	PROPN
fsr-3538	320	7	at	at	ADP
fsr-3538	320	8	0	0	NUM
fsr-3538	320	9	.0	.0	NUM
fsr-3538	320	10	1	1	NUM
fsr-3538	320	11	,	,	PUNCT
fsr-3538	320	12	0	0	NUM
fsr-3538	320	13	.0	.0	NUM
fsr-3538	320	14	5	5	NUM
fsr-3538	320	15	,	,	PUNCT
fsr-3538	320	16	an	an	DET
fsr-3538	320	17	d	d	PROPN
fsr-3538	320	18	0	0	NUM
fsr-3538	320	19	.1	.1	NUM
fsr-3538	320	20	0	0	NUM
fsr-3538	320	21	le	le	PROPN
fsr-3538	320	22	v	v	PROPN
fsr-3538	320	23	el	el	PROPN
fsr-3538	320	24	,	,	PUNCT
fsr-3538	320	25	re	re	VERB
fsr-3538	320	26	sp	sp	ADP
fsr-3538	320	27	ec	ec	PROPN
fsr-3538	320	28	ti	ti	PROPN
fsr-3538	320	29	v	v	PROPN
fsr-3538	320	30	el	el	PROPN
fsr-3538	320	31	y	y	PROPN
fsr-3538	320	32	.	.	PUNCT
fsr-3538	321	1	182	182	NUM
fsr-3538	321	2	g.	g.	NOUN
fsr-3538	321	3	filbeck	filbeck	NOUN
fsr-3538	321	4	and	and	CCONJ
fsr-3538	321	5	x.	x.	NOUN
fsr-3538	321	6	zhao	zhao	PROPN
fsr-3538	321	7	/	/	SYM
fsr-3538	321	8	financial	financial	ADJ
fsr-3538	321	9	services	service	NOUN
fsr-3538	321	10	review	review	VERB
fsr-3538	321	11	31	31	NUM
fsr-3538	321	12	(	(	PUNCT
fsr-3538	321	13	2023	2023	NUM
fsr-3538	321	14	)	)	PUNCT
fsr-3538	321	15	169–196	169–196	NUM
fsr-3538	321	16	table	table	NOUN
fsr-3538	321	17	6	6	NUM
fsr-3538	321	18	regression	regression	NOUN
fsr-3538	321	19	results	result	NOUN
fsr-3538	321	20	model	model	NOUN
fsr-3538	321	21	(	(	PUNCT
fsr-3538	321	22	1	1	NUM
fsr-3538	321	23	)	)	PUNCT
fsr-3538	321	24	model	model	NOUN
fsr-3538	321	25	(	(	PUNCT
fsr-3538	321	26	2	2	NUM
fsr-3538	321	27	)	)	PUNCT
fsr-3538	321	28	model	model	NOUN
fsr-3538	321	29	(	(	PUNCT
fsr-3538	321	30	3	3	NUM
fsr-3538	321	31	)	)	PUNCT
fsr-3538	321	32	model	model	NOUN
fsr-3538	321	33	(	(	PUNCT
fsr-3538	321	34	4	4	NUM
fsr-3538	321	35	)	)	PUNCT
fsr-3538	321	36	dep	dep	NOUN
fsr-3538	321	37	.	.	PUNCT
fsr-3538	322	1	var	var	PROPN
fsr-3538	322	2	.	.	PUNCT
fsr-3538	322	3	:	:	PUNCT
fsr-3538	323	1	diff_behav	diff_behav	PROPN
fsr-3538	323	2	dep	dep	PROPN
fsr-3538	323	3	.	.	PROPN
fsr-3538	324	1	var	var	PROPN
fsr-3538	324	2	.	.	PUNCT
fsr-3538	324	3	:	:	PUNCT
fsr-3538	325	1	diff_know	diff_know	PROPN
fsr-3538	325	2	dep	dep	PROPN
fsr-3538	325	3	.	.	PUNCT
fsr-3538	326	1	var	var	NOUN
fsr-3538	326	2	:	:	PUNCT
fsr-3538	326	3	diff_obj	diff_obj	VERB
fsr-3538	326	4	dep	dep	NOUN
fsr-3538	326	5	.	.	PROPN
fsr-3538	327	1	var	var	PROPN
fsr-3538	327	2	.	.	PUNCT
fsr-3538	327	3	:	:	PUNCT
fsr-3538	328	1	diff_idk	diff_idk	PROPN
fsr-3538	328	2	coefficient	coefficient	VERB
fsr-3538	328	3	t	t	PROPN
fsr-3538	328	4	-	-	PUNCT
fsr-3538	328	5	stat	stat	PROPN
fsr-3538	328	6	coefficient	coefficient	NOUN
fsr-3538	328	7	t	t	PROPN
fsr-3538	328	8	-	-	PUNCT
fsr-3538	328	9	stat	stat	PROPN
fsr-3538	328	10	coefficient	coefficient	NOUN
fsr-3538	328	11	t	t	PROPN
fsr-3538	328	12	-	-	PUNCT
fsr-3538	328	13	stat	stat	PROPN
fsr-3538	328	14	coefficient	coefficient	NOUN
fsr-3538	328	15	t	t	PROPN
fsr-3538	328	16	-	-	PUNCT
fsr-3538	328	17	stat	stat	PROPN
fsr-3538	328	18	panel	panel	NOUN
fsr-3538	328	19	a.	a.	PROPN
fsr-3538	328	20	ols	ols	PROPN
fsr-3538	328	21	regression	regression	NOUN
fsr-3538	328	22	results	result	NOUN
fsr-3538	328	23	on	on	ADP
fsr-3538	328	24	student	student	NOUN
fsr-3538	328	25	and	and	CCONJ
fsr-3538	328	26	school	school	NOUN
fsr-3538	328	27	district	district	NOUN
fsr-3538	328	28	characteristics	characteristic	NOUN
fsr-3538	328	29	intercept	intercept	VERB
fsr-3538	328	30	6.740	6.740	NUM
fsr-3538	328	31	0.46	0.46	NUM
fsr-3538	328	32	"	"	PUNCT
fsr-3538	328	33	20.697	20.697	NUM
fsr-3538	328	34	"	"	PUNCT
fsr-3538	328	35	0.47	0.47	NUM
fsr-3538	328	36	16.818	16.818	NUM
fsr-3538	328	37	1.91	1.91	NUM
fsr-3538	328	38	*	*	PUNCT
fsr-3538	328	39	"	"	PUNCT
fsr-3538	328	40	8.520	8.520	NUM
fsr-3538	328	41	"	"	PUNCT
fsr-3538	328	42	1.01	1.01	NUM
fsr-3538	328	43	year	year	NOUN
fsr-3538	328	44	2020	2020	NUM
fsr-3538	328	45	"	"	PUNCT
fsr-3538	328	46	0.036	0.036	NUM
fsr-3538	328	47	"	"	PUNCT
fsr-3538	328	48	0.13	0.13	NUM
fsr-3538	328	49	2.945	2.945	NUM
fsr-3538	328	50	3.61	3.61	NUM
fsr-3538	328	51	*	*	PUNCT
fsr-3538	328	52	*	*	PUNCT
fsr-3538	328	53	*	*	PUNCT
fsr-3538	328	54	0.311	0.311	NUM
fsr-3538	328	55	1.89	1.89	NUM
fsr-3538	328	56	*	*	PUNCT
fsr-3538	328	57	"	"	PUNCT
fsr-3538	328	58	0.351	0.351	NUM
fsr-3538	328	59	"	"	PUNCT
fsr-3538	328	60	2.23	2.23	NUM
fsr-3538	328	61	*	*	NOUN
fsr-3538	328	62	*	*	NOUN
fsr-3538	328	63	female	female	ADJ
fsr-3538	328	64	0.022	0.022	NUM
fsr-3538	328	65	0.10	0.10	NUM
fsr-3538	328	66	1.537	1.537	NUM
fsr-3538	328	67	2.28	2.28	NUM
fsr-3538	328	68	*	*	PUNCT
fsr-3538	328	69	*	*	PUNCT
fsr-3538	328	70	0.274	0.274	NUM
fsr-3538	328	71	2.02	2.02	NUM
fsr-3538	328	72	*	*	PUNCT
fsr-3538	328	73	*	*	PUNCT
fsr-3538	328	74	"	"	PUNCT
fsr-3538	328	75	0.460	0.460	NUM
fsr-3538	328	76	"	"	PUNCT
fsr-3538	328	77	3.53	3.53	NUM
fsr-3538	328	78	*	*	PUNCT
fsr-3538	328	79	*	*	PUNCT
fsr-3538	328	80	*	*	PUNCT
fsr-3538	328	81	upperclass	upperclass	ADJ
fsr-3538	328	82	"	"	PUNCT
fsr-3538	328	83	0.286	0.286	NUM
fsr-3538	328	84	"	"	PUNCT
fsr-3538	328	85	0.76	0.76	NUM
fsr-3538	328	86	1.606	1.606	NUM
fsr-3538	328	87	1.45	1.45	NUM
fsr-3538	328	88	"	"	PUNCT
fsr-3538	328	89	0.071	0.071	NUM
fsr-3538	328	90	"	"	PUNCT
fsr-3538	328	91	0.32	0.32	NUM
fsr-3538	328	92	0.120	0.120	NUM
fsr-3538	328	93	0.56	0.56	NUM
fsr-3538	328	94	gpa	gpa	NOUN
fsr-3538	328	95	"	"	PUNCT
fsr-3538	328	96	0.162	0.162	NUM
fsr-3538	328	97	"	"	PUNCT
fsr-3538	328	98	1.01	1.01	NUM
fsr-3538	328	99	0.190	0.190	NUM
fsr-3538	328	100	0.40	0.40	NUM
fsr-3538	328	101	"	"	PUNCT
fsr-3538	328	102	0.149	0.149	NUM
fsr-3538	328	103	"	"	PUNCT
fsr-3538	328	104	1.55	1.55	NUM
fsr-3538	328	105	0.280	0.280	NUM
fsr-3538	328	106	3.03	3.03	NUM
fsr-3538	328	107	*	*	PUNCT
fsr-3538	328	108	*	*	PUNCT
fsr-3538	328	109	*	*	PUNCT
fsr-3538	328	110	log	log	NOUN
fsr-3538	328	111	(	(	PUNCT
fsr-3538	328	112	population	population	NOUN
fsr-3538	328	113	)	)	PUNCT
fsr-3538	328	114	"	"	PUNCT
fsr-3538	328	115	1.225	1.225	NUM
fsr-3538	328	116	"	"	PUNCT
fsr-3538	328	117	4.42	4.42	NUM
fsr-3538	328	118	*	*	PUNCT
fsr-3538	328	119	*	*	PUNCT
fsr-3538	328	120	*	*	PUNCT
fsr-3538	328	121	"	"	PUNCT
fsr-3538	328	122	6.492	6.492	NUM
fsr-3538	328	123	"	"	PUNCT
fsr-3538	328	124	7.89	7.89	NUM
fsr-3538	328	125	*	*	PUNCT
fsr-3538	328	126	*	*	PUNCT
fsr-3538	328	127	*	*	PUNCT
fsr-3538	328	128	"	"	PUNCT
fsr-3538	328	129	0.822	0.822	NUM
fsr-3538	328	130	"	"	PUNCT
fsr-3538	328	131	4.96	4.96	NUM
fsr-3538	328	132	*	*	PUNCT
fsr-3538	328	133	*	*	PUNCT
fsr-3538	328	134	*	*	PUNCT
fsr-3538	328	135	0.741	0.741	NUM
fsr-3538	328	136	4.66	4.66	NUM
fsr-3538	328	137	*	*	PUNCT
fsr-3538	328	138	*	*	PUNCT
fsr-3538	328	139	*	*	PUNCT
fsr-3538	328	140	log	log	NOUN
fsr-3538	328	141	(	(	PUNCT
fsr-3538	328	142	household	household	NOUN
fsr-3538	328	143	_	_	PUNCT
fsr-3538	328	144	income	income	NOUN
fsr-3538	328	145	)	)	PUNCT
fsr-3538	328	146	0.611	0.611	NUM
fsr-3538	328	147	0.42	0.42	NUM
fsr-3538	328	148	7.633	7.633	NUM
fsr-3538	328	149	1.78	1.78	NUM
fsr-3538	328	150	*	*	PUNCT
fsr-3538	328	151	"	"	PUNCT
fsr-3538	328	152	0.695	0.695	NUM
fsr-3538	328	153	"	"	PUNCT
fsr-3538	328	154	0.80	0.80	NUM
fsr-3538	328	155	0.000	0.000	NUM
fsr-3538	328	156	0.00	0.00	NUM
fsr-3538	328	157	poverty	poverty	NOUN
fsr-3538	328	158	"	"	PUNCT
fsr-3538	328	159	0.510	0.510	NUM
fsr-3538	328	160	"	"	PUNCT
fsr-3538	328	161	0.05	0.05	NUM
fsr-3538	328	162	31.186	31.186	NUM
fsr-3538	328	163	1.09	1.09	NUM
fsr-3538	328	164	"	"	PUNCT
fsr-3538	328	165	3.677	3.677	NUM
fsr-3538	328	166	"	"	PUNCT
fsr-3538	328	167	0.64	0.64	NUM
fsr-3538	328	168	"	"	PUNCT
fsr-3538	328	169	0.908	0.908	NUM
fsr-3538	328	170	"	"	PUNCT
fsr-3538	328	171	0.16	0.16	NUM
fsr-3538	328	172	pct_college	pct_college	VERB
fsr-3538	328	173	2.788	2.788	NUM
fsr-3538	328	174	1.89	1.89	NUM
fsr-3538	328	175	*	*	PUNCT
fsr-3538	328	176	11.935	11.935	NUM
fsr-3538	328	177	2.73	2.73	NUM
fsr-3538	328	178	*	*	PUNCT
fsr-3538	328	179	*	*	PUNCT
fsr-3538	328	180	*	*	PUNCT
fsr-3538	328	181	2.369	2.369	NUM
fsr-3538	328	182	2.69	2.69	NUM
fsr-3538	328	183	*	*	PUNCT
fsr-3538	328	184	*	*	PUNCT
fsr-3538	328	185	*	*	PUNCT
fsr-3538	328	186	"	"	PUNCT
fsr-3538	328	187	1.949	1.949	NUM
fsr-3538	328	188	"	"	PUNCT
fsr-3538	328	189	2.31	2.31	NUM
fsr-3538	328	190	*	*	PUNCT
fsr-3538	328	191	*	*	PUNCT
fsr-3538	328	192	model	model	NOUN
fsr-3538	328	193	(	(	PUNCT
fsr-3538	328	194	1	1	NUM
fsr-3538	328	195	)	)	PUNCT
fsr-3538	328	196	model	model	NOUN
fsr-3538	328	197	(	(	PUNCT
fsr-3538	328	198	2	2	NUM
fsr-3538	328	199	)	)	PUNCT
fsr-3538	328	200	model	model	NOUN
fsr-3538	328	201	(	(	PUNCT
fsr-3538	328	202	3	3	NUM
fsr-3538	328	203	)	)	PUNCT
fsr-3538	328	204	model	model	NOUN
fsr-3538	328	205	(	(	PUNCT
fsr-3538	328	206	4	4	NUM
fsr-3538	328	207	)	)	PUNCT
fsr-3538	328	208	dep	dep	NOUN
fsr-3538	328	209	.	.	PUNCT
fsr-3538	328	210	var	var	PROPN
fsr-3538	328	211	.	.	PUNCT
fsr-3538	328	212	:	:	PUNCT
fsr-3538	329	1	diff_behav	diff_behav	PROPN
fsr-3538	329	2	dep	dep	PROPN
fsr-3538	329	3	.	.	PROPN
fsr-3538	330	1	var	var	PROPN
fsr-3538	330	2	.	.	PUNCT
fsr-3538	330	3	:	:	PUNCT
fsr-3538	331	1	diff_know	diff_know	PROPN
fsr-3538	331	2	dep	dep	PROPN
fsr-3538	331	3	.	.	PUNCT
fsr-3538	332	1	var	var	NOUN
fsr-3538	332	2	:	:	PUNCT
fsr-3538	332	3	diff_obj	diff_obj	VERB
fsr-3538	332	4	dep	dep	NOUN
fsr-3538	332	5	.	.	PROPN
fsr-3538	333	1	var	var	PROPN
fsr-3538	333	2	.	.	PUNCT
fsr-3538	333	3	:	:	PUNCT
fsr-3538	334	1	diff_idk	diff_idk	PROPN
fsr-3538	334	2	coefficient	coefficient	VERB
fsr-3538	334	3	z	z	NOUN
fsr-3538	334	4	-	-	PUNCT
fsr-3538	334	5	stat	stat	PROPN
fsr-3538	334	6	coefficient	coefficient	NOUN
fsr-3538	334	7	z	z	NOUN
fsr-3538	334	8	-	-	PUNCT
fsr-3538	334	9	stat	stat	PROPN
fsr-3538	334	10	coefficient	coefficient	NOUN
fsr-3538	334	11	z	z	NOUN
fsr-3538	334	12	-	-	PUNCT
fsr-3538	334	13	stat	stat	PROPN
fsr-3538	334	14	coefficient	coefficient	NOUN
fsr-3538	334	15	z	z	NOUN
fsr-3538	334	16	-	-	PUNCT
fsr-3538	334	17	stat	stat	PROPN
fsr-3538	334	18	panel	panel	PROPN
fsr-3538	334	19	b.	b.	PROPN
fsr-3538	334	20	glm	glm	PROPN
fsr-3538	334	21	regression	regression	PROPN
fsr-3538	334	22	results	result	NOUN
fsr-3538	334	23	after	after	ADP
fsr-3538	334	24	controlling	control	VERB
fsr-3538	334	25	for	for	ADP
fsr-3538	334	26	fixed	fix	VERB
fsr-3538	334	27	effect	effect	NOUN
fsr-3538	334	28	of	of	ADP
fsr-3538	334	29	classes	class	NOUN
fsr-3538	334	30	,	,	PUNCT
fsr-3538	334	31	with	with	SCONJ
fsr-3538	334	32	standard	standard	ADJ
fsr-3538	334	33	error	error	NOUN
fsr-3538	334	34	clustered	cluster	VERB
fsr-3538	334	35	at	at	ADP
fsr-3538	334	36	the	the	DET
fsr-3538	334	37	class	class	NOUN
fsr-3538	334	38	level	level	NOUN
fsr-3538	334	39	intercept	intercept	NOUN
fsr-3538	334	40	3.087	3.087	NUM
fsr-3538	334	41	4.17	4.17	NUM
fsr-3538	334	42	*	*	PUNCT
fsr-3538	334	43	*	*	PUNCT
fsr-3538	334	44	*	*	PUNCT
fsr-3538	334	45	7.549	7.549	NUM
fsr-3538	334	46	3.71	3.71	NUM
fsr-3538	334	47	*	*	PUNCT
fsr-3538	334	48	*	*	PUNCT
fsr-3538	334	49	*	*	PUNCT
fsr-3538	334	50	1.091	1.091	NUM
fsr-3538	334	51	2.57	2.57	NUM
fsr-3538	334	52	*	*	PUNCT
fsr-3538	334	53	*	*	PUNCT
fsr-3538	334	54	"	"	PUNCT
fsr-3538	334	55	1.662	1.662	NUM
fsr-3538	334	56	"	"	PUNCT
fsr-3538	334	57	3.18	3.18	NUM
fsr-3538	334	58	*	*	PUNCT
fsr-3538	334	59	*	*	PUNCT
fsr-3538	334	60	*	*	NUM
fsr-3538	334	61	year	year	NOUN
fsr-3538	334	62	2020	2020	NUM
fsr-3538	334	63	"	"	PUNCT
fsr-3538	334	64	0.782	0.782	NUM
fsr-3538	334	65	"	"	PUNCT
fsr-3538	334	66	2.02	2.02	NUM
fsr-3538	334	67	*	*	PUNCT
fsr-3538	334	68	*	*	PUNCT
fsr-3538	334	69	"	"	PUNCT
fsr-3538	334	70	1.062	1.062	NUM
fsr-3538	334	71	"	"	PUNCT
fsr-3538	334	72	0.60	0.60	NUM
fsr-3538	334	73	"	"	PUNCT
fsr-3538	334	74	0.055	0.055	NUM
fsr-3538	334	75	"	"	PUNCT
fsr-3538	334	76	0.18	0.18	NUM
fsr-3538	334	77	0.189	0.189	NUM
fsr-3538	334	78	0.66	0.66	NUM
fsr-3538	334	79	female	female	NOUN
fsr-3538	334	80	0.169	0.169	NUM
fsr-3538	334	81	1.07	1.07	NUM
fsr-3538	334	82	2.313	2.313	NUM
fsr-3538	334	83	3.66	3.66	NUM
fsr-3538	334	84	*	*	PUNCT
fsr-3538	334	85	*	*	PUNCT
fsr-3538	334	86	*	*	PUNCT
fsr-3538	334	87	0.397	0.397	NUM
fsr-3538	334	88	3.09	3.09	NUM
fsr-3538	334	89	*	*	PUNCT
fsr-3538	334	90	*	*	PUNCT
fsr-3538	334	91	*	*	PUNCT
fsr-3538	334	92	"	"	PUNCT
fsr-3538	334	93	0.526	0.526	NUM
fsr-3538	334	94	"	"	PUNCT
fsr-3538	334	95	4.71	4.71	NUM
fsr-3538	334	96	*	*	PUNCT
fsr-3538	334	97	*	*	PUNCT
fsr-3538	334	98	*	*	PUNCT
fsr-3538	334	99	upperclass	upperclass	ADJ
fsr-3538	334	100	"	"	PUNCT
fsr-3538	334	101	0.359	0.359	NUM
fsr-3538	334	102	"	"	PUNCT
fsr-3538	334	103	1.14	1.14	NUM
fsr-3538	334	104	1.377	1.377	NUM
fsr-3538	334	105	0.94	0.94	NUM
fsr-3538	334	106	0.044	0.044	NUM
fsr-3538	334	107	0.17	0.17	NUM
fsr-3538	334	108	"	"	PUNCT
fsr-3538	334	109	0.020	0.020	NUM
fsr-3538	334	110	"	"	PUNCT
fsr-3538	334	111	0.08	0.08	NUM
fsr-3538	334	112	gpa	gpa	NOUN
fsr-3538	334	113	"	"	PUNCT
fsr-3538	334	114	0.238	0.238	NUM
fsr-3538	334	115	"	"	PUNCT
fsr-3538	334	116	1.69	1.69	NUM
fsr-3538	334	117	*	*	NUM
fsr-3538	334	118	0.402	0.402	NUM
fsr-3538	334	119	0.92	0.92	NUM
fsr-3538	334	120	"	"	PUNCT
fsr-3538	334	121	0.073	0.073	NUM
fsr-3538	334	122	"	"	PUNCT
fsr-3538	334	123	0.76	0.76	NUM
fsr-3538	334	124	0.158	0.158	NUM
fsr-3538	334	125	1.85	1.85	NUM
fsr-3538	334	126	*	*	PUNCT
fsr-3538	334	127	english	english	PROPN
fsr-3538	334	128	0.014	0.014	NUM
fsr-3538	334	129	0.05	0.05	NUM
fsr-3538	334	130	"	"	PUNCT
fsr-3538	334	131	1.250	1.250	NUM
fsr-3538	334	132	"	"	PUNCT
fsr-3538	334	133	2.20	2.20	NUM
fsr-3538	334	134	*	*	NOUN
fsr-3538	334	135	*	*	PUNCT
fsr-3538	334	136	"	"	PUNCT
fsr-3538	334	137	0.231	0.231	NUM
fsr-3538	334	138	"	"	PUNCT
fsr-3538	334	139	2.33	2.33	NUM
fsr-3538	334	140	*	*	PUNCT
fsr-3538	334	141	*	*	PUNCT
fsr-3538	334	142	0.071	0.071	NUM
fsr-3538	334	143	0.54	0.54	NUM
fsr-3538	334	144	math	math	NOUN
fsr-3538	334	145	"	"	PUNCT
fsr-3538	334	146	0.082	0.082	NUM
fsr-3538	334	147	"	"	PUNCT
fsr-3538	334	148	0.26	0.26	NUM
fsr-3538	334	149	"	"	PUNCT
fsr-3538	334	150	0.138	0.138	NUM
fsr-3538	334	151	"	"	PUNCT
fsr-3538	334	152	0.15	0.15	NUM
fsr-3538	334	153	"	"	PUNCT
fsr-3538	334	154	0.247	0.247	NUM
fsr-3538	334	155	"	"	PUNCT
fsr-3538	334	156	1.50	1.50	NUM
fsr-3538	334	157	0.170	0.170	NUM
fsr-3538	334	158	1.44	1.44	NUM
fsr-3538	334	159	science	science	NOUN
fsr-3538	334	160	0.119	0.119	NUM
fsr-3538	334	161	0.33	0.33	NUM
fsr-3538	334	162	"	"	PUNCT
fsr-3538	334	163	0.582	0.582	NUM
fsr-3538	334	164	"	"	PUNCT
fsr-3538	334	165	0.78	0.78	NUM
fsr-3538	334	166	"	"	PUNCT
fsr-3538	334	167	0.248	0.248	NUM
fsr-3538	334	168	"	"	PUNCT
fsr-3538	334	169	1.97	1.97	NUM
fsr-3538	334	170	*	*	NOUN
fsr-3538	334	171	*	*	NOUN
fsr-3538	334	172	0.184	0.184	NUM
fsr-3538	334	173	1.67	1.67	NUM
fsr-3538	334	174	*	*	SYM
fsr-3538	334	175	lbd	lbd	PROPN
fsr-3538	334	176	"	"	PUNCT
fsr-3538	334	177	0.207	0.207	NUM
fsr-3538	334	178	"	"	PUNCT
fsr-3538	334	179	1.11	1.11	NUM
fsr-3538	334	180	0.628	0.628	NUM
fsr-3538	334	181	1.64	1.64	NUM
fsr-3538	334	182	0.218	0.218	NUM
fsr-3538	334	183	2.00	2.00	NUM
fsr-3538	334	184	*	*	PUNCT
fsr-3538	334	185	*	*	PUNCT
fsr-3538	334	186	"	"	PUNCT
fsr-3538	334	187	0.116	0.116	NUM
fsr-3538	334	188	"	"	PUNCT
fsr-3538	334	189	0.86	0.86	NUM
fsr-3538	334	190	listening	listen	VERB
fsr-3538	334	191	"	"	PUNCT
fsr-3538	334	192	0.271	0.271	NUM
fsr-3538	334	193	"	"	PUNCT
fsr-3538	334	194	1.17	1.17	NUM
fsr-3538	334	195	"	"	PUNCT
fsr-3538	334	196	1.638	1.638	NUM
fsr-3538	334	197	"	"	PUNCT
fsr-3538	334	198	1.83	1.83	NUM
fsr-3538	334	199	*	*	PUNCT
fsr-3538	334	200	"	"	PUNCT
fsr-3538	334	201	0.236	0.236	NUM
fsr-3538	334	202	"	"	PUNCT
fsr-3538	334	203	1.50	1.50	NUM
fsr-3538	334	204	0.300	0.300	NUM
fsr-3538	334	205	1.94	1.94	NUM
fsr-3538	334	206	*	*	PUNCT
fsr-3538	334	207	discussing	discuss	VERB
fsr-3538	334	208	"	"	PUNCT
fsr-3538	334	209	0.125	0.125	NUM
fsr-3538	334	210	"	"	PUNCT
fsr-3538	334	211	0.35	0.35	NUM
fsr-3538	334	212	"	"	PUNCT
fsr-3538	334	213	1.424	1.424	NUM
fsr-3538	334	214	"	"	PUNCT
fsr-3538	334	215	1.54	1.54	NUM
fsr-3538	334	216	"	"	PUNCT
fsr-3538	334	217	0.101	0.101	NUM
fsr-3538	334	218	"	"	PUNCT
fsr-3538	334	219	0.55	0.55	NUM
fsr-3538	334	220	0.143	0.143	NUM
fsr-3538	334	221	0.98	0.98	NUM
fsr-3538	334	222	visual	visual	ADJ
fsr-3538	334	223	"	"	PUNCT
fsr-3538	334	224	0.196	0.196	NUM
fsr-3538	334	225	"	"	PUNCT
fsr-3538	334	226	1.13	1.13	NUM
fsr-3538	334	227	0.675	0.675	NUM
fsr-3538	334	228	1.04	1.04	NUM
fsr-3538	334	229	0.209	0.209	NUM
fsr-3538	334	230	1.39	1.39	NUM
fsr-3538	334	231	"	"	PUNCT
fsr-3538	334	232	0.142	0.142	NUM
fsr-3538	334	233	"	"	PUNCT
fsr-3538	334	234	1.10	1.10	NUM
fsr-3538	334	235	note	note	NOUN
fsr-3538	334	236	.	.	PUNCT
fsr-3538	335	1	table	table	NOUN
fsr-3538	335	2	6	6	NUM
fsr-3538	335	3	shows	show	VERB
fsr-3538	335	4	the	the	DET
fsr-3538	335	5	regression	regression	NOUN
fsr-3538	335	6	results	result	NOUN
fsr-3538	335	7	of	of	ADP
fsr-3538	335	8	the	the	DET
fsr-3538	335	9	test	test	NOUN
fsr-3538	335	10	sample	sample	NOUN
fsr-3538	335	11	.	.	PUNCT
fsr-3538	336	1	panel	panel	NOUN
fsr-3538	336	2	a	a	DET
fsr-3538	336	3	reports	report	NOUN
fsr-3538	336	4	the	the	DET
fsr-3538	336	5	ols	ol	NOUN
fsr-3538	336	6	regression	regression	NOUN
fsr-3538	336	7	results	result	NOUN
fsr-3538	336	8	on	on	ADP
fsr-3538	336	9	student	student	NOUN
fsr-3538	336	10	and	and	CCONJ
fsr-3538	336	11	school	school	NOUN
fsr-3538	336	12	district	district	NOUN
fsr-3538	336	13	characteristics	characteristic	NOUN
fsr-3538	336	14	.	.	PUNCT
fsr-3538	337	1	panel	panel	NOUN
fsr-3538	337	2	b	b	PROPN
fsr-3538	337	3	reports	report	VERB
fsr-3538	337	4	the	the	DET
fsr-3538	337	5	regression	regression	NOUN
fsr-3538	337	6	results	result	VERB
fsr-3538	337	7	on	on	ADP
fsr-3538	337	8	student	student	NOUN
fsr-3538	337	9	characteristics	characteristic	NOUN
fsr-3538	337	10	after	after	ADP
fsr-3538	337	11	controlling	control	VERB
fsr-3538	337	12	for	for	ADP
fsr-3538	337	13	fixed	fix	VERB
fsr-3538	337	14	effect	effect	NOUN
fsr-3538	337	15	of	of	ADP
fsr-3538	337	16	classes	class	NOUN
fsr-3538	337	17	,	,	PUNCT
fsr-3538	337	18	with	with	ADP
fsr-3538	337	19	standard	standard	ADJ
fsr-3538	337	20	errors	error	NOUN
fsr-3538	337	21	clustered	cluster	VERB
fsr-3538	337	22	at	at	ADP
fsr-3538	337	23	the	the	DET
fsr-3538	337	24	class	class	NOUN
fsr-3538	337	25	level	level	NOUN
fsr-3538	337	26	.	.	PUNCT
fsr-3538	338	1	diff_behav	diff_behav	NOUN
fsr-3538	338	2	(	(	PUNCT
fsr-3538	338	3	diff_subj	diff_subj	X
fsr-3538	338	4	,	,	PUNCT
fsr-3538	338	5	diff_obj	diff_obj	PROPN
fsr-3538	338	6	,	,	PUNCT
fsr-3538	338	7	diff_idk	diff_idk	PROPN
fsr-3538	338	8	)	)	PUNCT
fsr-3538	338	9	is	be	AUX
fsr-3538	338	10	the	the	DET
fsr-3538	338	11	difference	difference	NOUN
fsr-3538	338	12	between	between	ADP
fsr-3538	338	13	the	the	DET
fsr-3538	338	14	student	student	NOUN
fsr-3538	338	15	’s	’s	PART
fsr-3538	338	16	preand	preand	VERB
fsr-3538	338	17	post	post	ADJ
fsr-3538	338	18	-	-	ADJ
fsr-3538	338	19	survey	survey	ADJ
fsr-3538	338	20	scores	score	NOUN
fsr-3538	338	21	for	for	ADP
fsr-3538	338	22	the	the	DET
fsr-3538	338	23	financial	financial	ADJ
fsr-3538	338	24	behavior	behavior	NOUN
fsr-3538	338	25	(	(	PUNCT
fsr-3538	338	26	knowledge	knowledge	NOUN
fsr-3538	338	27	,	,	PUNCT
fsr-3538	338	28	objective	objective	ADJ
fsr-3538	338	29	)	)	PUNCT
fsr-3538	338	30	questions	question	NOUN
fsr-3538	338	31	.	.	PUNCT
fsr-3538	339	1	year2020	year2020	PROPN
fsr-3538	339	2	is	be	AUX
fsr-3538	339	3	a	a	DET
fsr-3538	339	4	dummy	dummy	ADJ
fsr-3538	339	5	variable	variable	NOUN
fsr-3538	339	6	equal	equal	ADJ
fsr-3538	339	7	to	to	ADP
fsr-3538	339	8	1	1	NUM
fsr-3538	339	9	if	if	SCONJ
fsr-3538	339	10	it	it	PRON
fsr-3538	339	11	belongs	belong	VERB
fsr-3538	339	12	to	to	ADP
fsr-3538	339	13	the	the	DET
fsr-3538	339	14	2020	2020	NUM
fsr-3538	339	15	-	-	SYM
fsr-3538	339	16	2021	2021	NUM
fsr-3538	339	17	sample	sample	NOUN
fsr-3538	339	18	.	.	PUNCT
fsr-3538	340	1	female	female	ADJ
fsr-3538	340	2	is	be	AUX
fsr-3538	340	3	a	a	DET
fsr-3538	340	4	dummy	dummy	ADJ
fsr-3538	340	5	variable	variable	NOUN
fsr-3538	340	6	equal	equal	ADJ
fsr-3538	340	7	to	to	ADP
fsr-3538	340	8	1	1	NUM
fsr-3538	340	9	if	if	SCONJ
fsr-3538	340	10	the	the	DET
fsr-3538	340	11	student	student	NOUN
fsr-3538	340	12	is	be	AUX
fsr-3538	340	13	a	a	DET
fsr-3538	340	14	female	female	ADJ
fsr-3538	340	15	student	student	NOUN
fsr-3538	340	16	and	and	CCONJ
fsr-3538	340	17	0	0	NUM
fsr-3538	340	18	otherwise	otherwise	ADV
fsr-3538	340	19	.	.	PUNCT
fsr-3538	341	1	upperclass	upperclass	ADJ
fsr-3538	341	2	is	be	AUX
fsr-3538	341	3	a	a	DET
fsr-3538	341	4	dummy	dummy	ADJ
fsr-3538	341	5	variable	variable	NOUN
fsr-3538	341	6	equal	equal	ADJ
fsr-3538	341	7	to	to	ADP
fsr-3538	341	8	1	1	NUM
fsr-3538	341	9	if	if	SCONJ
fsr-3538	341	10	the	the	DET
fsr-3538	341	11	student	student	NOUN
fsr-3538	341	12	is	be	AUX
fsr-3538	341	13	a	a	DET
fsr-3538	341	14	junior	junior	ADJ
fsr-3538	341	15	or	or	CCONJ
fsr-3538	341	16	senior	senior	ADJ
fsr-3538	341	17	and	and	CCONJ
fsr-3538	341	18	0	0	NUM
fsr-3538	341	19	otherwise	otherwise	ADV
fsr-3538	341	20	.	.	PUNCT
fsr-3538	342	1	english	english	PROPN
fsr-3538	342	2	(	(	PUNCT
fsr-3538	342	3	math	math	NOUN
fsr-3538	342	4	,	,	PUNCT
fsr-3538	342	5	science	science	NOUN
fsr-3538	342	6	)	)	PUNCT
fsr-3538	342	7	is	be	AUX
fsr-3538	342	8	a	a	DET
fsr-3538	342	9	dummy	dummy	ADJ
fsr-3538	342	10	variable	variable	NOUN
fsr-3538	342	11	equal	equal	ADJ
fsr-3538	342	12	to	to	ADP
fsr-3538	342	13	1	1	NUM
fsr-3538	342	14	if	if	SCONJ
fsr-3538	342	15	the	the	DET
fsr-3538	342	16	student	student	NOUN
fsr-3538	342	17	’s	’s	PART
fsr-3538	342	18	favorite	favorite	ADJ
fsr-3538	342	19	subject	subject	NOUN
fsr-3538	342	20	is	be	AUX
fsr-3538	342	21	english	english	PROPN
fsr-3538	342	22	(	(	PUNCT
fsr-3538	342	23	math	math	NOUN
fsr-3538	342	24	,	,	PUNCT
fsr-3538	342	25	science	science	NOUN
fsr-3538	342	26	)	)	PUNCT
fsr-3538	342	27	and	and	CCONJ
fsr-3538	342	28	0	0	NUM
fsr-3538	342	29	otherwise	otherwise	ADV
fsr-3538	342	30	.	.	PUNCT
fsr-3538	343	1	lbd	lbd	PROPN
fsr-3538	343	2	(	(	PUNCT
fsr-3538	343	3	listening	listen	VERB
fsr-3538	343	4	,	,	PUNCT
fsr-3538	343	5	discussing	discussing	NOUN
fsr-3538	343	6	,	,	PUNCT
fsr-3538	343	7	and	and	CCONJ
fsr-3538	343	8	visual	visual	ADJ
fsr-3538	343	9	)	)	PUNCT
fsr-3538	343	10	is	be	AUX
fsr-3538	343	11	a	a	DET
fsr-3538	343	12	dummy	dummy	ADJ
fsr-3538	343	13	variable	variable	NOUN
fsr-3538	343	14	equal	equal	ADJ
fsr-3538	343	15	to	to	ADP
fsr-3538	343	16	1	1	NUM
fsr-3538	343	17	if	if	SCONJ
fsr-3538	343	18	the	the	DET
fsr-3538	343	19	student	student	NOUN
fsr-3538	343	20	chooses	choose	VERB
fsr-3538	343	21	learning	learn	VERB
fsr-3538	343	22	by	by	ADP
fsr-3538	343	23	doing	do	VERB
fsr-3538	343	24	(	(	PUNCT
fsr-3538	343	25	listening	listen	VERB
fsr-3538	343	26	,	,	PUNCT
fsr-3538	343	27	discussing	discuss	VERB
fsr-3538	343	28	with	with	ADP
fsr-3538	343	29	peers	peer	NOUN
fsr-3538	343	30	,	,	PUNCT
fsr-3538	343	31	and	and	CCONJ
fsr-3538	343	32	features	feature	VERB
fsr-3538	343	33	visual	visual	ADJ
fsr-3538	343	34	support	support	NOUN
fsr-3538	343	35	)	)	PUNCT
fsr-3538	343	36	as	as	ADP
fsr-3538	343	37	a	a	DET
fsr-3538	343	38	favorite	favorite	ADJ
fsr-3538	343	39	instruction	instruction	NOUN
fsr-3538	343	40	method	method	NOUN
fsr-3538	343	41	,	,	PUNCT
fsr-3538	343	42	and	and	CCONJ
fsr-3538	343	43	0	0	NUM
fsr-3538	343	44	otherwise	otherwise	ADV
fsr-3538	343	45	.	.	PUNCT
fsr-3538	344	1	gpa	gpa	PROPN
fsr-3538	344	2	is	be	AUX
fsr-3538	344	3	a	a	DET
fsr-3538	344	4	student	student	NOUN
fsr-3538	344	5	’s	’s	PART
fsr-3538	344	6	grade	grade	NOUN
fsr-3538	344	7	point	point	NOUN
fsr-3538	344	8	average	average	ADJ
fsr-3538	344	9	.	.	PUNCT
fsr-3538	345	1	log(population	log(population	NOUN
fsr-3538	345	2	)	)	PUNCT
fsr-3538	345	3	is	be	AUX
fsr-3538	345	4	the	the	DET
fsr-3538	345	5	log	log	NOUN
fsr-3538	345	6	of	of	ADP
fsr-3538	345	7	the	the	DET
fsr-3538	345	8	population	population	NOUN
fsr-3538	345	9	in	in	ADP
fsr-3538	345	10	the	the	DET
fsr-3538	345	11	school	school	NOUN
fsr-3538	345	12	district	district	NOUN
fsr-3538	345	13	.	.	PUNCT
fsr-3538	346	1	log(household_income	log(household_income	X
fsr-3538	346	2	)	)	PUNCT
fsr-3538	346	3	is	be	AUX
fsr-3538	346	4	the	the	DET
fsr-3538	346	5	log	log	NOUN
fsr-3538	346	6	of	of	ADP
fsr-3538	346	7	the	the	DET
fsr-3538	346	8	median	median	ADJ
fsr-3538	346	9	household	household	NOUN
fsr-3538	346	10	income	income	NOUN
fsr-3538	346	11	in	in	ADP
fsr-3538	346	12	the	the	DET
fsr-3538	346	13	school	school	NOUN
fsr-3538	346	14	district	district	NOUN
fsr-3538	346	15	.	.	PUNCT
fsr-3538	347	1	poverty	poverty	NOUN
fsr-3538	347	2	is	be	AUX
fsr-3538	347	3	the	the	DET
fsr-3538	347	4	poverty	poverty	NOUN
fsr-3538	347	5	rate	rate	NOUN
fsr-3538	347	6	in	in	ADP
fsr-3538	347	7	the	the	DET
fsr-3538	347	8	school	school	NOUN
fsr-3538	347	9	district	district	NOUN
fsr-3538	347	10	.	.	PUNCT
fsr-3538	348	1	pct_college	pct_college	NOUN
fsr-3538	348	2	is	be	AUX
fsr-3538	348	3	the	the	DET
fsr-3538	348	4	percentage	percentage	NOUN
fsr-3538	348	5	of	of	ADP
fsr-3538	348	6	students	student	NOUN
fsr-3538	348	7	with	with	ADP
fsr-3538	348	8	parents	parent	NOUN
fsr-3538	348	9	/	/	SYM
fsr-3538	348	10	guardians	guardian	NOUN
fsr-3538	348	11	who	who	PRON
fsr-3538	348	12	have	have	AUX
fsr-3538	348	13	attained	attain	VERB
fsr-3538	348	14	a	a	DET
fsr-3538	348	15	bachelor	bachelor	NOUN
fsr-3538	348	16	’s	’s	PART
fsr-3538	348	17	degree	degree	NOUN
fsr-3538	348	18	or	or	CCONJ
fsr-3538	348	19	higher	high	ADJ
fsr-3538	348	20	.	.	PUNCT
fsr-3538	349	1	*	*	PUNCT
fsr-3538	349	2	*	*	PUNCT
fsr-3538	349	3	*	*	PUNCT
fsr-3538	349	4	,	,	PUNCT
fsr-3538	349	5	*	*	PUNCT
fsr-3538	349	6	*	*	PUNCT
fsr-3538	349	7	,	,	PUNCT
fsr-3538	349	8	*	*	PUNCT
fsr-3538	349	9	indicate	indicate	VERB
fsr-3538	349	10	statistical	statistical	ADJ
fsr-3538	349	11	significance	significance	NOUN
fsr-3538	349	12	at	at	ADP
fsr-3538	349	13	0.01	0.01	NUM
fsr-3538	349	14	,	,	PUNCT
fsr-3538	349	15	0.05	0.05	NUM
fsr-3538	349	16	,	,	PUNCT
fsr-3538	349	17	and	and	CCONJ
fsr-3538	349	18	0.10	0.10	NUM
fsr-3538	349	19	level	level	NOUN
fsr-3538	349	20	,	,	PUNCT
fsr-3538	349	21	respectively	respectively	ADV
fsr-3538	349	22	.	.	PUNCT
fsr-3538	350	1	g.	g.	PROPN
fsr-3538	350	2	filbeck	filbeck	NOUN
fsr-3538	350	3	and	and	CCONJ
fsr-3538	350	4	x.	x.	NOUN
fsr-3538	350	5	zhao	zhao	PROPN
fsr-3538	350	6	/	/	SYM
fsr-3538	350	7	financial	financial	ADJ
fsr-3538	350	8	services	service	NOUN
fsr-3538	350	9	review	review	VERB
fsr-3538	350	10	31	31	NUM
fsr-3538	350	11	(	(	PUNCT
fsr-3538	350	12	2023	2023	NUM
fsr-3538	350	13	)	)	PUNCT
fsr-3538	350	14	169–196	169–196	NUM
fsr-3538	350	15	183	183	NUM
fsr-3538	350	16	panel	panel	NOUN
fsr-3538	350	17	a	a	DET
fsr-3538	350	18	reports	report	NOUN
fsr-3538	350	19	the	the	DET
fsr-3538	350	20	regression	regression	NOUN
fsr-3538	350	21	results	result	VERB
fsr-3538	350	22	on	on	ADP
fsr-3538	350	23	student	student	NOUN
fsr-3538	350	24	characteristics	characteristic	NOUN
fsr-3538	350	25	and	and	CCONJ
fsr-3538	350	26	school	school	NOUN
fsr-3538	350	27	district	district	NOUN
fsr-3538	350	28	characteristics	characteristic	NOUN
fsr-3538	350	29	.	.	PUNCT
fsr-3538	351	1	the	the	DET
fsr-3538	351	2	dependent	dependent	ADJ
fsr-3538	351	3	variable	variable	NOUN
fsr-3538	351	4	is	be	AUX
fsr-3538	351	5	diff_behav	diff_behav	NOUN
fsr-3538	351	6	(	(	PUNCT
fsr-3538	351	7	diff_subj	diff_subj	X
fsr-3538	351	8	,	,	PUNCT
fsr-3538	351	9	diff_obj	diff_obj	PROPN
fsr-3538	351	10	,	,	PUNCT
fsr-3538	351	11	diff_idk	diff_idk	PROPN
fsr-3538	351	12	)	)	PUNCT
fsr-3538	351	13	,	,	PUNCT
fsr-3538	351	14	which	which	PRON
fsr-3538	351	15	is	be	AUX
fsr-3538	351	16	the	the	DET
fsr-3538	351	17	difference	difference	NOUN
fsr-3538	351	18	between	between	ADP
fsr-3538	351	19	the	the	DET
fsr-3538	351	20	students	student	NOUN
fsr-3538	351	21	’	'	PUNCT
fsr-3538	351	22	preand	preand	VERB
fsr-3538	351	23	post	post	ADJ
fsr-3538	351	24	-	-	ADJ
fsr-3538	351	25	study	study	ADJ
fsr-3538	351	26	scores	score	NOUN
fsr-3538	351	27	(	(	PUNCT
fsr-3538	351	28	post	post	ADJ
fsr-3538	351	29	-	-	ADJ
fsr-3538	351	30	minus	minus	ADJ
fsr-3538	351	31	pre	pre	NOUN
fsr-3538	351	32	)	)	PUNCT
fsr-3538	351	33	for	for	ADP
fsr-3538	351	34	the	the	DET
fsr-3538	351	35	financial	financial	ADJ
fsr-3538	351	36	behavior	behavior	NOUN
fsr-3538	351	37	(	(	PUNCT
fsr-3538	351	38	subjective	subjective	ADJ
fsr-3538	351	39	,	,	PUNCT
fsr-3538	351	40	objective	objective	ADJ
fsr-3538	351	41	)	)	PUNCT
fsr-3538	351	42	questions	question	NOUN
fsr-3538	351	43	.	.	PUNCT
fsr-3538	352	1	all	all	DET
fsr-3538	352	2	the	the	DET
fsr-3538	352	3	other	other	ADJ
fsr-3538	352	4	variables	variable	NOUN
fsr-3538	352	5	are	be	AUX
fsr-3538	352	6	listed	list	VERB
fsr-3538	352	7	in	in	ADP
fsr-3538	352	8	appendix	appendix	PROPN
fsr-3538	352	9	d.	d.	PROPN
fsr-3538	352	10	the	the	DET
fsr-3538	352	11	results	result	NOUN
fsr-3538	352	12	show	show	VERB
fsr-3538	352	13	that	that	SCONJ
fsr-3538	352	14	students	student	NOUN
fsr-3538	352	15	who	who	PRON
fsr-3538	352	16	participated	participate	VERB
fsr-3538	352	17	in	in	ADP
fsr-3538	352	18	virtually	virtually	ADV
fsr-3538	352	19	/	/	SYM
fsr-3538	352	20	hybrid	hybrid	ADJ
fsr-3538	352	21	format	format	NOUN
fsr-3538	352	22	and	and	CCONJ
fsr-3538	352	23	female	female	ADJ
fsr-3538	352	24	students	student	NOUN
fsr-3538	352	25	gained	gain	VERB
fsr-3538	352	26	most	most	ADJ
fsr-3538	352	27	in	in	ADP
fsr-3538	352	28	all	all	DET
fsr-3538	352	29	areas	area	NOUN
fsr-3538	352	30	except	except	SCONJ
fsr-3538	352	31	financial	financial	ADJ
fsr-3538	352	32	behavior	behavior	NOUN
fsr-3538	352	33	.	.	PUNCT
fsr-3538	353	1	similarly	similarly	ADV
fsr-3538	353	2	,	,	PUNCT
fsr-3538	353	3	students	student	NOUN
fsr-3538	353	4	in	in	ADP
fsr-3538	353	5	school	school	NOUN
fsr-3538	353	6	districts	district	NOUN
fsr-3538	353	7	with	with	ADP
fsr-3538	353	8	a	a	DET
fsr-3538	353	9	smaller	small	ADJ
fsr-3538	353	10	population	population	NOUN
fsr-3538	353	11	and	and	CCONJ
fsr-3538	353	12	a	a	DET
fsr-3538	353	13	higher	high	ADJ
fsr-3538	353	14	percentage	percentage	NOUN
fsr-3538	353	15	of	of	ADP
fsr-3538	353	16	parents	parent	NOUN
fsr-3538	353	17	/	/	SYM
fsr-3538	353	18	guardians	guardian	NOUN
fsr-3538	353	19	with	with	ADP
fsr-3538	353	20	bachelor	bachelor	NOUN
fsr-3538	353	21	’s	’s	PART
fsr-3538	353	22	degrees	degree	NOUN
fsr-3538	353	23	experience	experience	VERB
fsr-3538	353	24	a	a	DET
fsr-3538	353	25	statistically	statistically	ADV
fsr-3538	353	26	significant	significant	ADJ
fsr-3538	353	27	gain	gain	NOUN
fsr-3538	353	28	in	in	ADP
fsr-3538	353	29	financial	financial	ADJ
fsr-3538	353	30	behavior	behavior	NOUN
fsr-3538	353	31	.	.	PUNCT
fsr-3538	354	1	this	this	DET
fsr-3538	354	2	finding	finding	NOUN
fsr-3538	354	3	is	be	AUX
fsr-3538	354	4	encouraging	encouraging	ADJ
fsr-3538	354	5	,	,	PUNCT
fsr-3538	354	6	as	as	ADP
fsr-3538	354	7	stolper	stolper	NOUN
fsr-3538	354	8	and	and	CCONJ
fsr-3538	354	9	walter	walter	PROPN
fsr-3538	354	10	(	(	PUNCT
fsr-3538	354	11	2017	2017	NUM
fsr-3538	354	12	)	)	PUNCT
fsr-3538	354	13	point	point	VERB
fsr-3538	354	14	out	out	ADP
fsr-3538	354	15	that	that	SCONJ
fsr-3538	354	16	the	the	DET
fsr-3538	354	17	opportunity	opportunity	NOUN
fsr-3538	354	18	to	to	PART
fsr-3538	354	19	relate	relate	VERB
fsr-3538	354	20	financial	financial	ADJ
fsr-3538	354	21	literacy	literacy	NOUN
fsr-3538	354	22	to	to	ADP
fsr-3538	354	23	various	various	ADJ
fsr-3538	354	24	demographics	demographic	NOUN
fsr-3538	354	25	in	in	ADP
fsr-3538	354	26	the	the	DET
fsr-3538	354	27	context	context	NOUN
fsr-3538	354	28	of	of	ADP
fsr-3538	354	29	their	their	PRON
fsr-3538	354	30	spending	spending	NOUN
fsr-3538	354	31	behavior	behavior	NOUN
fsr-3538	354	32	is	be	AUX
fsr-3538	354	33	key	key	ADJ
fsr-3538	354	34	to	to	ADP
fsr-3538	354	35	program	program	NOUN
fsr-3538	354	36	success	success	NOUN
fsr-3538	354	37	.	.	PUNCT
fsr-3538	355	1	in	in	ADP
fsr-3538	355	2	financial	financial	ADJ
fsr-3538	355	3	knowledge	knowledge	NOUN
fsr-3538	355	4	,	,	PUNCT
fsr-3538	355	5	we	we	PRON
fsr-3538	355	6	find	find	VERB
fsr-3538	355	7	students	student	NOUN
fsr-3538	355	8	coming	come	VERB
fsr-3538	355	9	from	from	ADP
fsr-3538	355	10	higher	high	ADJ
fsr-3538	355	11	-	-	PUNCT
fsr-3538	355	12	income	income	NOUN
fsr-3538	355	13	households	household	NOUN
fsr-3538	355	14	perform	perform	VERB
fsr-3538	355	15	better	well	ADV
fsr-3538	355	16	.	.	PUNCT
fsr-3538	356	1	these	these	DET
fsr-3538	356	2	results	result	NOUN
fsr-3538	356	3	echo	echo	VERB
fsr-3538	356	4	the	the	DET
fsr-3538	356	5	findings	finding	NOUN
fsr-3538	356	6	of	of	ADP
fsr-3538	356	7	kaiser	kaiser	PROPN
fsr-3538	356	8	and	and	CCONJ
fsr-3538	356	9	menkhoff	menkhoff	PROPN
fsr-3538	356	10	(	(	PUNCT
fsr-3538	356	11	2017	2017	NUM
fsr-3538	356	12	)	)	PUNCT
fsr-3538	356	13	,	,	PUNCT
fsr-3538	356	14	who	who	PRON
fsr-3538	356	15	find	find	VERB
fsr-3538	356	16	that	that	SCONJ
fsr-3538	356	17	financial	financial	ADJ
fsr-3538	356	18	literacy	literacy	NOUN
fsr-3538	356	19	programs	program	NOUN
fsr-3538	356	20	are	be	AUX
fsr-3538	356	21	less	less	ADV
fsr-3538	356	22	effective	effective	ADJ
fsr-3538	356	23	for	for	ADP
fsr-3538	356	24	clients	client	NOUN
fsr-3538	356	25	with	with	ADP
fsr-3538	356	26	lower	low	ADJ
fsr-3538	356	27	incomes	income	NOUN
fsr-3538	356	28	and	and	CCONJ
fsr-3538	356	29	from	from	ADP
fsr-3538	356	30	lowand	lowand	ADJ
fsr-3538	356	31	lower	lower	ADV
fsr-3538	356	32	-	-	PUNCT
fsr-3538	356	33	middle	middle	ADJ
fsr-3538	356	34	-	-	PUNCT
fsr-3538	356	35	income	income	NOUN
fsr-3538	356	36	economies	economy	NOUN
fsr-3538	356	37	.	.	PUNCT
fsr-3538	357	1	in	in	ADP
fsr-3538	357	2	such	such	ADJ
fsr-3538	357	3	environments	environment	NOUN
fsr-3538	357	4	,	,	PUNCT
fsr-3538	357	5	altering	alter	VERB
fsr-3538	357	6	financial	financial	ADJ
fsr-3538	357	7	behaviors	behavior	NOUN
fsr-3538	357	8	in	in	ADP
fsr-3538	357	9	debt	debt	NOUN
fsr-3538	357	10	handling	handling	NOUN
fsr-3538	357	11	may	may	AUX
fsr-3538	357	12	be	be	AUX
fsr-3538	357	13	less	less	ADV
fsr-3538	357	14	effective	effective	ADJ
fsr-3538	357	15	.	.	PUNCT
fsr-3538	358	1	the	the	DET
fsr-3538	358	2	results	result	NOUN
fsr-3538	358	3	in	in	ADP
fsr-3538	358	4	panel	panel	NOUN
fsr-3538	358	5	a	a	PRON
fsr-3538	358	6	may	may	AUX
fsr-3538	358	7	be	be	AUX
fsr-3538	358	8	misleading	mislead	VERB
fsr-3538	358	9	on	on	ADP
fsr-3538	358	10	the	the	DET
fsr-3538	358	11	conclusion	conclusion	NOUN
fsr-3538	358	12	of	of	ADP
fsr-3538	358	13	modality	modality	NOUN
fsr-3538	358	14	because	because	SCONJ
fsr-3538	358	15	schools	school	NOUN
fsr-3538	358	16	with	with	ADP
fsr-3538	358	17	less	less	ADJ
fsr-3538	358	18	ability	ability	NOUN
fsr-3538	358	19	to	to	PART
fsr-3538	358	20	conduct	conduct	VERB
fsr-3538	358	21	financial	financial	ADJ
fsr-3538	358	22	literacy	literacy	NOUN
fsr-3538	358	23	programs	program	NOUN
fsr-3538	358	24	during	during	ADP
fsr-3538	358	25	the	the	DET
fsr-3538	358	26	covid	covid	PROPN
fsr-3538	358	27	pandemic	pandemic	PROPN
fsr-3538	358	28	may	may	AUX
fsr-3538	358	29	not	not	PART
fsr-3538	358	30	be	be	AUX
fsr-3538	358	31	participating	participate	VERB
fsr-3538	358	32	in	in	ADP
fsr-3538	358	33	the	the	DET
fsr-3538	358	34	2020	2020	NUM
fsr-3538	358	35	-	-	SYM
fsr-3538	358	36	2021	2021	NUM
fsr-3538	358	37	period	period	NOUN
fsr-3538	358	38	.	.	PUNCT
fsr-3538	359	1	students	student	NOUN
fsr-3538	359	2	who	who	PRON
fsr-3538	359	3	participated	participate	VERB
fsr-3538	359	4	in	in	ADP
fsr-3538	359	5	the	the	DET
fsr-3538	359	6	2020	2020	NUM
fsr-3538	359	7	-	-	SYM
fsr-3538	359	8	2021	2021	NUM
fsr-3538	359	9	program	program	NOUN
fsr-3538	359	10	may	may	AUX
fsr-3538	359	11	come	come	VERB
fsr-3538	359	12	from	from	ADP
fsr-3538	359	13	a	a	DET
fsr-3538	359	14	school	school	NOUN
fsr-3538	359	15	with	with	ADP
fsr-3538	359	16	better	well	ADJ
fsr-3538	359	17	infrastructure	infrastructure	NOUN
fsr-3538	359	18	to	to	PART
fsr-3538	359	19	adapt	adapt	VERB
fsr-3538	359	20	to	to	ADP
fsr-3538	359	21	the	the	DET
fsr-3538	359	22	challenges	challenge	NOUN
fsr-3538	359	23	of	of	ADP
fsr-3538	359	24	online	online	ADJ
fsr-3538	359	25	learning	learning	NOUN
fsr-3538	359	26	.	.	PUNCT
fsr-3538	360	1	therefore	therefore	ADV
fsr-3538	360	2	,	,	PUNCT
fsr-3538	360	3	we	we	PRON
fsr-3538	360	4	need	need	VERB
fsr-3538	360	5	to	to	PART
fsr-3538	360	6	control	control	VERB
fsr-3538	360	7	for	for	ADP
fsr-3538	360	8	school	school	NOUN
fsr-3538	360	9	or	or	CCONJ
fsr-3538	360	10	class	class	NOUN
fsr-3538	360	11	differences	difference	NOUN
fsr-3538	360	12	in	in	ADP
fsr-3538	360	13	our	our	PRON
fsr-3538	360	14	regressions	regression	NOUN
fsr-3538	360	15	.	.	PUNCT
fsr-3538	361	1	next	next	ADV
fsr-3538	361	2	,	,	PUNCT
fsr-3538	361	3	we	we	PRON
fsr-3538	361	4	include	include	VERB
fsr-3538	361	5	other	other	ADJ
fsr-3538	361	6	control	control	NOUN
fsr-3538	361	7	variables	variable	NOUN
fsr-3538	361	8	such	such	ADJ
fsr-3538	361	9	as	as	ADP
fsr-3538	361	10	favorite	favorite	ADJ
fsr-3538	361	11	subjects	subject	NOUN
fsr-3538	361	12	and	and	CCONJ
fsr-3538	361	13	learning	learn	VERB
fsr-3538	361	14	style	style	NOUN
fsr-3538	361	15	and	and	CCONJ
fsr-3538	361	16	use	use	VERB
fsr-3538	361	17	fixed	fix	VERB
fsr-3538	361	18	effect	effect	NOUN
fsr-3538	361	19	regressions	regression	NOUN
fsr-3538	361	20	controlling	control	VERB
fsr-3538	361	21	for	for	ADP
fsr-3538	361	22	class	class	NOUN
fsr-3538	361	23	differences	difference	NOUN
fsr-3538	361	24	.	.	PUNCT
fsr-3538	362	1	specifically	specifically	ADV
fsr-3538	362	2	,	,	PUNCT
fsr-3538	362	3	the	the	DET
fsr-3538	362	4	class	class	NOUN
fsr-3538	362	5	fixed	fix	VERB
fsr-3538	362	6	effects	effect	NOUN
fsr-3538	362	7	allow	allow	VERB
fsr-3538	362	8	the	the	DET
fsr-3538	362	9	class	class	NOUN
fsr-3538	362	10	dummy	dummy	ADJ
fsr-3538	362	11	variable	variable	NOUN
fsr-3538	362	12	to	to	PART
fsr-3538	362	13	differ	differ	VERB
fsr-3538	362	14	and	and	CCONJ
fsr-3538	362	15	control	control	VERB
fsr-3538	362	16	for	for	ADP
fsr-3538	362	17	the	the	DET
fsr-3538	362	18	variations	variation	NOUN
fsr-3538	362	19	across	across	ADP
fsr-3538	362	20	classes	class	NOUN
fsr-3538	362	21	.	.	PUNCT
fsr-3538	363	1	we	we	PRON
fsr-3538	363	2	also	also	ADV
fsr-3538	363	3	cluster	cluster	VERB
fsr-3538	363	4	standard	standard	ADJ
fsr-3538	363	5	errors	error	NOUN
fsr-3538	363	6	at	at	ADP
fsr-3538	363	7	the	the	DET
fsr-3538	363	8	class	class	NOUN
fsr-3538	363	9	level	level	NOUN
fsr-3538	363	10	.	.	PUNCT
fsr-3538	364	1	table	table	NOUN
fsr-3538	364	2	1	1	NUM
fsr-3538	364	3	shows	show	VERB
fsr-3538	364	4	a	a	DET
fsr-3538	364	5	higher	high	ADJ
fsr-3538	364	6	percentage	percentage	NOUN
fsr-3538	364	7	of	of	ADP
fsr-3538	364	8	junior	junior	ADJ
fsr-3538	364	9	or	or	CCONJ
fsr-3538	364	10	senior	senior	ADJ
fsr-3538	364	11	students	student	NOUN
fsr-3538	364	12	who	who	PRON
fsr-3538	364	13	participated	participate	VERB
fsr-3538	364	14	in	in	ADP
fsr-3538	364	15	the	the	DET
fsr-3538	364	16	2020	2020	NUM
fsr-3538	364	17	-	-	SYM
fsr-3538	364	18	2021	2021	NUM
fsr-3538	364	19	program	program	NOUN
fsr-3538	364	20	.	.	PUNCT
fsr-3538	365	1	therefore	therefore	ADV
fsr-3538	365	2	,	,	PUNCT
fsr-3538	365	3	we	we	PRON
fsr-3538	365	4	add	add	VERB
fsr-3538	365	5	upperclass	upperclass	ADJ
fsr-3538	365	6	(	(	PUNCT
fsr-3538	365	7	i.e.	i.e.	X
fsr-3538	365	8	,	,	PUNCT
fsr-3538	365	9	a	a	DET
fsr-3538	365	10	dummy	dummy	ADJ
fsr-3538	365	11	variable	variable	NOUN
fsr-3538	365	12	equal	equal	ADJ
fsr-3538	365	13	to	to	ADP
fsr-3538	365	14	1	1	NUM
fsr-3538	365	15	if	if	SCONJ
fsr-3538	365	16	the	the	DET
fsr-3538	365	17	student	student	NOUN
fsr-3538	365	18	is	be	AUX
fsr-3538	365	19	a	a	DET
fsr-3538	365	20	junior	junior	ADJ
fsr-3538	365	21	or	or	CCONJ
fsr-3538	365	22	senior	senior	ADJ
fsr-3538	365	23	)	)	PUNCT
fsr-3538	365	24	as	as	ADP
fsr-3538	365	25	an	an	DET
fsr-3538	365	26	independent	independent	ADJ
fsr-3538	365	27	variable	variable	NOUN
fsr-3538	365	28	to	to	PART
fsr-3538	365	29	control	control	VERB
fsr-3538	365	30	for	for	ADP
fsr-3538	365	31	grade	grade	NOUN
fsr-3538	365	32	level	level	NOUN
fsr-3538	365	33	in	in	ADP
fsr-3538	365	34	the	the	DET
fsr-3538	365	35	regression	regression	NOUN
fsr-3538	365	36	.	.	PUNCT
fsr-3538	366	1	panel	panel	NOUN
fsr-3538	366	2	b	b	PROPN
fsr-3538	366	3	of	of	ADP
fsr-3538	366	4	table	table	NOUN
fsr-3538	366	5	6	6	NUM
fsr-3538	366	6	reports	report	VERB
fsr-3538	366	7	the	the	DET
fsr-3538	366	8	regression	regression	NOUN
fsr-3538	366	9	results	result	VERB
fsr-3538	366	10	.	.	PUNCT
fsr-3538	367	1	we	we	PRON
fsr-3538	367	2	use	use	VERB
fsr-3538	367	3	the	the	DET
fsr-3538	367	4	same	same	ADJ
fsr-3538	367	5	dependent	dependent	ADJ
fsr-3538	367	6	variables	variable	NOUN
fsr-3538	367	7	as	as	ADP
fsr-3538	367	8	in	in	ADP
fsr-3538	367	9	panel	panel	NOUN
fsr-3538	367	10	a.	a.	NOUN
fsr-3538	367	11	the	the	DET
fsr-3538	367	12	results	result	NOUN
fsr-3538	367	13	show	show	VERB
fsr-3538	367	14	no	no	DET
fsr-3538	367	15	statistically	statistically	ADV
fsr-3538	367	16	significant	significant	ADJ
fsr-3538	367	17	improvements	improvement	NOUN
fsr-3538	367	18	except	except	SCONJ
fsr-3538	367	19	for	for	ADP
fsr-3538	367	20	financial	financial	ADJ
fsr-3538	367	21	behavior	behavior	NOUN
fsr-3538	367	22	for	for	ADP
fsr-3538	367	23	students	student	NOUN
fsr-3538	367	24	who	who	PRON
fsr-3538	367	25	participated	participate	VERB
fsr-3538	367	26	in	in	ADP
fsr-3538	367	27	virtually	virtually	ADV
fsr-3538	367	28	/	/	SYM
fsr-3538	367	29	hybrid	hybrid	ADJ
fsr-3538	367	30	learning	learning	NOUN
fsr-3538	367	31	programs	program	NOUN
fsr-3538	367	32	.	.	PUNCT
fsr-3538	368	1	this	this	DET
fsr-3538	368	2	finding	finding	NOUN
fsr-3538	368	3	is	be	AUX
fsr-3538	368	4	consistent	consistent	ADJ
fsr-3538	368	5	with	with	ADP
fsr-3538	368	6	table	table	NOUN
fsr-3538	368	7	5	5	NUM
fsr-3538	368	8	and	and	CCONJ
fsr-3538	368	9	rejects	reject	VERB
fsr-3538	368	10	h1	h1	PROPN
fsr-3538	368	11	.	.	PUNCT
fsr-3538	369	1	a	a	DET
fsr-3538	369	2	trio	trio	NOUN
fsr-3538	369	3	of	of	ADP
fsr-3538	369	4	findings	finding	NOUN
fsr-3538	369	5	is	be	AUX
fsr-3538	369	6	notable	notable	ADJ
fsr-3538	369	7	for	for	ADP
fsr-3538	369	8	female	female	ADJ
fsr-3538	369	9	students	student	NOUN
fsr-3538	369	10	.	.	PUNCT
fsr-3538	370	1	first	first	ADJ
fsr-3538	370	2	,	,	PUNCT
fsr-3538	370	3	female	female	ADJ
fsr-3538	370	4	students	student	NOUN
fsr-3538	370	5	whose	whose	DET
fsr-3538	370	6	favorite	favorite	ADJ
fsr-3538	370	7	subject	subject	NOUN
fsr-3538	370	8	is	be	AUX
fsr-3538	370	9	not	not	PART
fsr-3538	370	10	english	english	NOUN
fsr-3538	370	11	tend	tend	VERB
fsr-3538	370	12	to	to	PART
fsr-3538	370	13	gain	gain	VERB
fsr-3538	370	14	more	more	ADV
fsr-3538	370	15	subjective	subjective	ADJ
fsr-3538	370	16	financial	financial	ADJ
fsr-3538	370	17	knowledge	knowledge	NOUN
fsr-3538	370	18	.	.	PUNCT
fsr-3538	371	1	in	in	ADP
fsr-3538	371	2	addition	addition	NOUN
fsr-3538	371	3	,	,	PUNCT
fsr-3538	371	4	female	female	ADJ
fsr-3538	371	5	students	student	NOUN
fsr-3538	371	6	whose	whose	DET
fsr-3538	371	7	favorite	favorite	ADJ
fsr-3538	371	8	subject	subject	NOUN
fsr-3538	371	9	is	be	AUX
fsr-3538	371	10	not	not	PART
fsr-3538	371	11	english	english	ADJ
fsr-3538	371	12	or	or	CCONJ
fsr-3538	371	13	science	science	NOUN
fsr-3538	371	14	and	and	CCONJ
fsr-3538	371	15	who	who	PRON
fsr-3538	371	16	prefer	prefer	VERB
fsr-3538	371	17	more	more	ADJ
fsr-3538	371	18	hands	hand	NOUN
fsr-3538	371	19	-	-	PUNCT
fsr-3538	371	20	on	on	ADP
fsr-3538	371	21	learning	learn	VERB
fsr-3538	371	22	opportunities	opportunity	NOUN
fsr-3538	371	23	(	(	PUNCT
fsr-3538	371	24	learning	learn	VERB
fsr-3538	371	25	by	by	ADP
fsr-3538	371	26	doing	do	VERB
fsr-3538	371	27	)	)	PUNCT
fsr-3538	371	28	gain	gain	VERB
fsr-3538	371	29	more	more	ADJ
fsr-3538	371	30	objective	objective	ADJ
fsr-3538	371	31	financial	financial	ADJ
fsr-3538	371	32	knowledge	knowledge	NOUN
fsr-3538	371	33	.	.	PUNCT
fsr-3538	372	1	finally	finally	ADV
fsr-3538	372	2	,	,	PUNCT
fsr-3538	372	3	female	female	ADJ
fsr-3538	372	4	students	student	NOUN
fsr-3538	372	5	with	with	ADP
fsr-3538	372	6	higher	high	ADJ
fsr-3538	372	7	gpa	gpa	PROPN
fsr-3538	372	8	experience	experience	NOUN
fsr-3538	372	9	the	the	DET
fsr-3538	372	10	most	most	ADV
fsr-3538	372	11	significant	significant	ADJ
fsr-3538	372	12	self	self	NOUN
fsr-3538	372	13	-	-	PUNCT
fsr-3538	372	14	esteem	esteem	NOUN
fsr-3538	372	15	gain	gain	NOUN
fsr-3538	372	16	.	.	PUNCT
fsr-3538	373	1	results	result	NOUN
fsr-3538	373	2	in	in	ADP
fsr-3538	373	3	tables	table	NOUN
fsr-3538	373	4	4	4	NUM
fsr-3538	373	5	-	-	SYM
fsr-3538	373	6	6	6	NUM
fsr-3538	373	7	use	use	NOUN
fsr-3538	373	8	test	test	NOUN
fsr-3538	373	9	samples	sample	NOUN
fsr-3538	373	10	(	(	PUNCT
fsr-3538	373	11	including	include	VERB
fsr-3538	373	12	preand	preand	VERB
fsr-3538	373	13	post	post	ADJ
fsr-3538	373	14	-	-	ADJ
fsr-3538	373	15	survey	survey	ADJ
fsr-3538	373	16	results	result	NOUN
fsr-3538	373	17	from	from	ADP
fsr-3538	373	18	students	student	NOUN
fsr-3538	373	19	who	who	PRON
fsr-3538	373	20	participated	participate	VERB
fsr-3538	373	21	in	in	ADP
fsr-3538	373	22	both	both	PRON
fsr-3538	373	23	preand	preand	VERB
fsr-3538	373	24	post	post	ADJ
fsr-3538	373	25	-	-	NOUN
fsr-3538	373	26	survey	survey	NOUN
fsr-3538	373	27	)	)	PUNCT
fsr-3538	373	28	and	and	CCONJ
fsr-3538	373	29	test	test	VERB
fsr-3538	373	30	the	the	DET
fsr-3538	373	31	improvements	improvement	NOUN
fsr-3538	373	32	(	(	PUNCT
fsr-3538	373	33	i.e.	i.e.	X
fsr-3538	373	34	,	,	PUNCT
fsr-3538	373	35	differences	difference	NOUN
fsr-3538	373	36	from	from	ADP
fsr-3538	373	37	preto	preto	VERB
fsr-3538	373	38	post	post	ADJ
fsr-3538	373	39	-	-	ADJ
fsr-3538	373	40	survey	survey	ADJ
fsr-3538	373	41	scores	score	NOUN
fsr-3538	373	42	)	)	PUNCT
fsr-3538	373	43	in	in	ADP
fsr-3538	373	44	students	student	NOUN
fsr-3538	373	45	’	'	PUNCT
fsr-3538	373	46	financial	financial	ADJ
fsr-3538	373	47	literacy	literacy	NOUN
fsr-3538	373	48	.	.	PUNCT
fsr-3538	374	1	however	however	ADV
fsr-3538	374	2	,	,	PUNCT
fsr-3538	374	3	this	this	DET
fsr-3538	374	4	setup	setup	NOUN
fsr-3538	374	5	may	may	AUX
fsr-3538	374	6	be	be	AUX
fsr-3538	374	7	subject	subject	ADJ
fsr-3538	374	8	to	to	ADP
fsr-3538	374	9	potential	potential	ADJ
fsr-3538	374	10	self	self	NOUN
fsr-3538	374	11	-	-	PUNCT
fsr-3538	374	12	selection	selection	NOUN
fsr-3538	374	13	and	and	CCONJ
fsr-3538	374	14	attrition	attrition	NOUN
fsr-3538	374	15	bias	bias	NOUN
fsr-3538	374	16	in	in	ADP
fsr-3538	374	17	our	our	PRON
fsr-3538	374	18	sample	sample	NOUN
fsr-3538	374	19	.	.	PUNCT
fsr-3538	375	1	specifically	specifically	ADV
fsr-3538	375	2	,	,	PUNCT
fsr-3538	375	3	from	from	ADP
fsr-3538	375	4	table	table	NOUN
fsr-3538	375	5	1	1	NUM
fsr-3538	375	6	,	,	PUNCT
fsr-3538	375	7	we	we	PRON
fsr-3538	375	8	can	can	AUX
fsr-3538	375	9	see	see	VERB
fsr-3538	375	10	that	that	SCONJ
fsr-3538	375	11	about	about	ADV
fsr-3538	375	12	52	52	NUM
fsr-3538	375	13	%	%	NOUN
fsr-3538	375	14	of	of	ADP
fsr-3538	375	15	female	female	ADJ
fsr-3538	375	16	students	student	NOUN
fsr-3538	375	17	and	and	CCONJ
fsr-3538	375	18	51	51	NUM
fsr-3538	375	19	%	%	NOUN
fsr-3538	375	20	of	of	ADP
fsr-3538	375	21	male	male	ADJ
fsr-3538	375	22	students	student	NOUN
fsr-3538	375	23	completed	complete	VERB
fsr-3538	375	24	both	both	PRON
fsr-3538	375	25	preand	preand	VERB
fsr-3538	375	26	post	post	NOUN
fsr-3538	375	27	-	-	NOUN
fsr-3538	375	28	survey	survey	NOUN
fsr-3538	375	29	during	during	ADP
fsr-3538	375	30	2017	2017	NUM
fsr-3538	375	31	-	-	SYM
fsr-3538	375	32	2019	2019	NUM
fsr-3538	375	33	,	,	PUNCT
fsr-3538	375	34	while	while	SCONJ
fsr-3538	375	35	the	the	DET
fsr-3538	375	36	corresponding	corresponding	ADJ
fsr-3538	375	37	numbers	number	NOUN
fsr-3538	375	38	for	for	ADP
fsr-3538	375	39	the	the	DET
fsr-3538	375	40	20202021	20202021	NUM
fsr-3538	375	41	sample	sample	NOUN
fsr-3538	375	42	are	be	AUX
fsr-3538	375	43	50	50	NUM
fsr-3538	375	44	%	%	NOUN
fsr-3538	375	45	and	and	CCONJ
fsr-3538	375	46	41	41	NUM
fsr-3538	375	47	%	%	NOUN
fsr-3538	375	48	,	,	PUNCT
fsr-3538	375	49	respectively	respectively	ADV
fsr-3538	375	50	.	.	PUNCT
fsr-3538	376	1	in	in	ADP
fsr-3538	376	2	other	other	ADJ
fsr-3538	376	3	words	word	NOUN
fsr-3538	376	4	,	,	PUNCT
fsr-3538	376	5	in	in	ADP
fsr-3538	376	6	the	the	DET
fsr-3538	376	7	2017	2017	NUM
fsr-3538	376	8	-	-	SYM
fsr-3538	376	9	2019	2019	NUM
fsr-3538	376	10	sample	sample	NOUN
fsr-3538	376	11	,	,	PUNCT
fsr-3538	376	12	there	there	ADV
fsr-3538	376	13	184	184	NUM
fsr-3538	376	14	g.	g.	NOUN
fsr-3538	376	15	filbeck	filbeck	NOUN
fsr-3538	376	16	and	and	CCONJ
fsr-3538	376	17	x.	x.	NOUN
fsr-3538	376	18	zhao	zhao	PROPN
fsr-3538	376	19	/	/	SYM
fsr-3538	376	20	financial	financial	ADJ
fsr-3538	376	21	services	service	NOUN
fsr-3538	376	22	review	review	VERB
fsr-3538	376	23	31	31	NUM
fsr-3538	376	24	(	(	PUNCT
fsr-3538	376	25	2023	2023	NUM
fsr-3538	376	26	)	)	PUNCT
fsr-3538	376	27	169–196	169–196	NUM
fsr-3538	376	28	is	be	AUX
fsr-3538	376	29	roughly	roughly	ADV
fsr-3538	376	30	51	51	NUM
fsr-3538	376	31	%	%	NOUN
fsr-3538	376	32	to	to	PART
fsr-3538	376	33	52	52	NUM
fsr-3538	376	34	%	%	NOUN
fsr-3538	376	35	attrition	attrition	NOUN
fsr-3538	376	36	for	for	ADP
fsr-3538	376	37	both	both	CCONJ
fsr-3538	376	38	male	male	ADJ
fsr-3538	376	39	and	and	CCONJ
fsr-3538	376	40	female	female	ADJ
fsr-3538	376	41	students	student	NOUN
fsr-3538	376	42	.	.	PUNCT
fsr-3538	377	1	while	while	SCONJ
fsr-3538	377	2	for	for	ADP
fsr-3538	377	3	the	the	DET
fsr-3538	377	4	2020	2020	NUM
fsr-3538	377	5	-	-	SYM
fsr-3538	377	6	2021	2021	NUM
fsr-3538	377	7	sample	sample	NOUN
fsr-3538	377	8	,	,	PUNCT
fsr-3538	377	9	there	there	PRON
fsr-3538	377	10	is	be	VERB
fsr-3538	377	11	50	50	NUM
fsr-3538	377	12	%	%	NOUN
fsr-3538	377	13	attrition	attrition	NOUN
fsr-3538	377	14	for	for	ADP
fsr-3538	377	15	female	female	ADJ
fsr-3538	377	16	students	student	NOUN
fsr-3538	377	17	,	,	PUNCT
fsr-3538	377	18	but	but	CCONJ
fsr-3538	377	19	about	about	ADP
fsr-3538	377	20	59	59	NUM
fsr-3538	377	21	%	%	NOUN
fsr-3538	377	22	attrition	attrition	NOUN
fsr-3538	377	23	for	for	ADP
fsr-3538	377	24	male	male	ADJ
fsr-3538	377	25	students	student	NOUN
fsr-3538	377	26	.	.	PUNCT
fsr-3538	378	1	given	give	VERB
fsr-3538	378	2	that	that	DET
fsr-3538	378	3	male	male	ADJ
fsr-3538	378	4	students	student	NOUN
fsr-3538	378	5	have	have	VERB
fsr-3538	378	6	higher	high	ADJ
fsr-3538	378	7	baseline	baseline	ADJ
fsr-3538	378	8	financial	financial	ADJ
fsr-3538	378	9	literacy	literacy	NOUN
fsr-3538	378	10	and	and	CCONJ
fsr-3538	378	11	less	less	ADJ
fsr-3538	378	12	scope	scope	NOUN
fsr-3538	378	13	for	for	ADP
fsr-3538	378	14	financial	financial	ADJ
fsr-3538	378	15	literacy	literacy	NOUN
fsr-3538	378	16	improvement	improvement	NOUN
fsr-3538	378	17	,	,	PUNCT
fsr-3538	378	18	this	this	PRON
fsr-3538	378	19	might	might	AUX
fsr-3538	378	20	bias	bias	VERB
fsr-3538	378	21	the	the	DET
fsr-3538	378	22	results	result	NOUN
fsr-3538	378	23	of	of	ADP
fsr-3538	378	24	comparisons	comparison	NOUN
fsr-3538	378	25	between	between	ADP
fsr-3538	378	26	the	the	DET
fsr-3538	378	27	2017	2017	NUM
fsr-3538	378	28	-	-	SYM
fsr-3538	378	29	2019	2019	NUM
fsr-3538	378	30	sample	sample	NOUN
fsr-3538	378	31	and	and	CCONJ
fsr-3538	378	32	the	the	DET
fsr-3538	378	33	2020	2020	NUM
fsr-3538	378	34	-	-	SYM
fsr-3538	378	35	2021	2021	NUM
fsr-3538	378	36	sample	sample	NOUN
fsr-3538	378	37	as	as	SCONJ
fsr-3538	378	38	presented	present	VERB
fsr-3538	378	39	in	in	ADP
fsr-3538	378	40	previous	previous	ADJ
fsr-3538	378	41	tables.[2	tables.[2	NOUN
fsr-3538	378	42	]	]	PUNCT
fsr-3538	378	43	also	also	ADV
fsr-3538	378	44	,	,	PUNCT
fsr-3538	378	45	the	the	DET
fsr-3538	378	46	sample	sample	NOUN
fsr-3538	378	47	is	be	AUX
fsr-3538	378	48	subject	subject	ADJ
fsr-3538	378	49	to	to	ADP
fsr-3538	378	50	self	self	NOUN
fsr-3538	378	51	-	-	PUNCT
fsr-3538	378	52	selection	selection	NOUN
fsr-3538	378	53	bias	bias	NOUN
fsr-3538	378	54	as	as	SCONJ
fsr-3538	378	55	schools	school	NOUN
fsr-3538	378	56	with	with	ADP
fsr-3538	378	57	less	less	ADJ
fsr-3538	378	58	ability	ability	NOUN
fsr-3538	378	59	to	to	PART
fsr-3538	378	60	conduct	conduct	VERB
fsr-3538	378	61	financial	financial	ADJ
fsr-3538	378	62	literacy	literacy	NOUN
fsr-3538	378	63	programs	program	NOUN
fsr-3538	378	64	during	during	ADP
fsr-3538	378	65	the	the	DET
fsr-3538	378	66	covid	covid	PROPN
fsr-3538	378	67	pandemic	pandemic	PROPN
fsr-3538	378	68	may	may	AUX
fsr-3538	378	69	not	not	PART
fsr-3538	378	70	be	be	AUX
fsr-3538	378	71	participating	participate	VERB
fsr-3538	378	72	in	in	ADP
fsr-3538	378	73	the	the	DET
fsr-3538	378	74	2020	2020	NUM
fsr-3538	378	75	-	-	SYM
fsr-3538	378	76	2021	2021	NUM
fsr-3538	378	77	period	period	NOUN
fsr-3538	378	78	.	.	PUNCT
fsr-3538	379	1	students	student	NOUN
fsr-3538	379	2	who	who	PRON
fsr-3538	379	3	participated	participate	VERB
fsr-3538	379	4	in	in	ADP
fsr-3538	379	5	the	the	DET
fsr-3538	379	6	2020	2020	NUM
fsr-3538	379	7	-	-	SYM
fsr-3538	379	8	2021	2021	NUM
fsr-3538	379	9	program	program	NOUN
fsr-3538	379	10	may	may	AUX
fsr-3538	379	11	come	come	VERB
fsr-3538	379	12	from	from	ADP
fsr-3538	379	13	a	a	DET
fsr-3538	379	14	school	school	NOUN
fsr-3538	379	15	with	with	ADP
fsr-3538	379	16	better	well	ADJ
fsr-3538	379	17	infrastructure	infrastructure	NOUN
fsr-3538	379	18	to	to	PART
fsr-3538	379	19	adapt	adapt	VERB
fsr-3538	379	20	to	to	ADP
fsr-3538	379	21	the	the	DET
fsr-3538	379	22	challenges	challenge	NOUN
fsr-3538	379	23	of	of	ADP
fsr-3538	379	24	online	online	ADJ
fsr-3538	379	25	learning	learning	NOUN
fsr-3538	379	26	.	.	PUNCT
fsr-3538	380	1	to	to	PART
fsr-3538	380	2	address	address	VERB
fsr-3538	380	3	this	this	DET
fsr-3538	380	4	potential	potential	ADJ
fsr-3538	380	5	self	self	NOUN
fsr-3538	380	6	-	-	PUNCT
fsr-3538	380	7	selection	selection	NOUN
fsr-3538	380	8	and	and	CCONJ
fsr-3538	380	9	attrition	attrition	NOUN
fsr-3538	380	10	bias	bias	NOUN
fsr-3538	380	11	in	in	ADP
fsr-3538	380	12	our	our	PRON
fsr-3538	380	13	sample	sample	NOUN
fsr-3538	380	14	,	,	PUNCT
fsr-3538	380	15	we	we	PRON
fsr-3538	380	16	pool	pool	VERB
fsr-3538	380	17	our	our	PRON
fsr-3538	380	18	whole	whole	ADJ
fsr-3538	380	19	pre	pre	ADJ
fsr-3538	380	20	-	-	ADJ
fsr-3538	380	21	survey	survey	ADJ
fsr-3538	380	22	data	datum	NOUN
fsr-3538	380	23	(	(	PUNCT
fsr-3538	380	24	from	from	ADP
fsr-3538	380	25	all	all	DET
fsr-3538	380	26	students	student	NOUN
fsr-3538	380	27	who	who	PRON
fsr-3538	380	28	participated	participate	VERB
fsr-3538	380	29	in	in	ADP
fsr-3538	380	30	pre	pre	NOUN
fsr-3538	380	31	-	-	NOUN
fsr-3538	380	32	survey	survey	NOUN
fsr-3538	380	33	)	)	PUNCT
fsr-3538	380	34	and	and	CCONJ
fsr-3538	380	35	post	post	ADJ
fsr-3538	380	36	-	-	ADJ
fsr-3538	380	37	survey	survey	ADJ
fsr-3538	380	38	data	datum	NOUN
fsr-3538	380	39	.	.	PUNCT
fsr-3538	381	1	we	we	PRON
fsr-3538	381	2	use	use	VERB
fsr-3538	381	3	the	the	DET
fsr-3538	381	4	standard	standard	ADJ
fsr-3538	381	5	diff	diff	NOUN
fsr-3538	381	6	-	-	PUNCT
fsr-3538	381	7	in	in	ADP
fsr-3538	381	8	-	-	PUNCT
fsr-3538	381	9	diff	diff	NOUN
fsr-3538	381	10	model	model	NOUN
fsr-3538	381	11	and	and	CCONJ
fsr-3538	381	12	run	run	VERB
fsr-3538	381	13	regression	regression	NOUN
fsr-3538	381	14	models	model	NOUN
fsr-3538	381	15	using	use	VERB
fsr-3538	381	16	outcome	outcome	NOUN
fsr-3538	381	17	variables	variable	NOUN
fsr-3538	381	18	(	(	PUNCT
fsr-3538	381	19	i.e.	i.e.	X
fsr-3538	381	20	,	,	PUNCT
fsr-3538	381	21	behavior	behavior	NOUN
fsr-3538	381	22	,	,	PUNCT
fsr-3538	381	23	subjective	subjective	ADJ
fsr-3538	381	24	,	,	PUNCT
fsr-3538	381	25	objective	objective	ADJ
fsr-3538	381	26	,	,	PUNCT
fsr-3538	381	27	and	and	CCONJ
fsr-3538	381	28	idk	idk	NOUN
fsr-3538	381	29	)	)	PUNCT
fsr-3538	381	30	as	as	ADP
fsr-3538	381	31	dependent	dependent	ADJ
fsr-3538	381	32	variables	variable	NOUN
fsr-3538	381	33	.	.	PUNCT
fsr-3538	382	1	we	we	PRON
fsr-3538	382	2	report	report	VERB
fsr-3538	382	3	the	the	DET
fsr-3538	382	4	results	result	NOUN
fsr-3538	382	5	in	in	ADP
fsr-3538	382	6	table	table	NOUN
fsr-3538	382	7	7	7	NUM
fsr-3538	382	8	.	.	PUNCT
fsr-3538	383	1	in	in	ADP
fsr-3538	383	2	our	our	PRON
fsr-3538	383	3	regressions	regression	NOUN
fsr-3538	383	4	,	,	PUNCT
fsr-3538	383	5	we	we	PRON
fsr-3538	383	6	add	add	VERB
fsr-3538	383	7	post	post	ADJ
fsr-3538	383	8	,	,	PUNCT
fsr-3538	383	9	post	post	VERB
fsr-3538	383	10	#	#	NOUN
fsr-3538	383	11	female	female	NOUN
fsr-3538	383	12	,	,	PUNCT
fsr-3538	383	13	and	and	CCONJ
fsr-3538	383	14	post	post	VERB
fsr-3538	383	15	#	#	NOUN
fsr-3538	383	16	year2020	year2020	PROPN
fsr-3538	383	17	as	as	ADP
fsr-3538	383	18	additional	additional	ADJ
fsr-3538	383	19	control	control	NOUN
fsr-3538	383	20	variables	variable	NOUN
fsr-3538	383	21	.	.	PUNCT
fsr-3538	384	1	post	post	NOUN
fsr-3538	384	2	is	be	AUX
fsr-3538	384	3	a	a	DET
fsr-3538	384	4	dummy	dummy	ADJ
fsr-3538	384	5	variable	variable	NOUN
fsr-3538	384	6	that	that	PRON
fsr-3538	384	7	equals	equal	VERB
fsr-3538	384	8	1	1	NUM
fsr-3538	384	9	if	if	SCONJ
fsr-3538	384	10	the	the	DET
fsr-3538	384	11	data	datum	NOUN
fsr-3538	384	12	are	be	AUX
fsr-3538	384	13	post	post	ADJ
fsr-3538	384	14	-	-	ADJ
fsr-3538	384	15	survey	survey	ADJ
fsr-3538	384	16	results	result	NOUN
fsr-3538	384	17	and	and	CCONJ
fsr-3538	384	18	0	0	NUM
fsr-3538	384	19	otherwise	otherwise	ADV
fsr-3538	384	20	.	.	PUNCT
fsr-3538	385	1	post	post	ADJ
fsr-3538	385	2	#	#	NOUN
fsr-3538	385	3	female	female	NOUN
fsr-3538	385	4	is	be	AUX
fsr-3538	385	5	an	an	DET
fsr-3538	385	6	interaction	interaction	NOUN
fsr-3538	385	7	term	term	NOUN
fsr-3538	385	8	and	and	CCONJ
fsr-3538	385	9	captures	capture	VERB
fsr-3538	385	10	the	the	DET
fsr-3538	385	11	change	change	NOUN
fsr-3538	385	12	in	in	ADP
fsr-3538	385	13	the	the	DET
fsr-3538	385	14	outcome	outcome	NOUN
fsr-3538	385	15	variable	variable	NOUN
fsr-3538	385	16	(	(	PUNCT
fsr-3538	385	17	i.e.	i.e.	X
fsr-3538	385	18	,	,	PUNCT
fsr-3538	385	19	behavior	behavior	NOUN
fsr-3538	385	20	,	,	PUNCT
fsr-3538	385	21	subjective	subjective	ADJ
fsr-3538	385	22	,	,	PUNCT
fsr-3538	385	23	objective	objective	ADJ
fsr-3538	385	24	,	,	PUNCT
fsr-3538	385	25	and	and	CCONJ
fsr-3538	385	26	idk	idk	NOUN
fsr-3538	385	27	)	)	PUNCT
fsr-3538	385	28	from	from	ADP
fsr-3538	385	29	the	the	DET
fsr-3538	385	30	pre	pre	ADJ
fsr-3538	385	31	-	-	ADJ
fsr-3538	385	32	survey	survey	ADJ
fsr-3538	385	33	period	period	NOUN
fsr-3538	385	34	to	to	ADP
fsr-3538	385	35	the	the	DET
fsr-3538	385	36	postsurvey	postsurvey	ADJ
fsr-3538	385	37	period	period	NOUN
fsr-3538	385	38	for	for	ADP
fsr-3538	385	39	female	female	ADJ
fsr-3538	385	40	students	student	NOUN
fsr-3538	385	41	,	,	PUNCT
fsr-3538	385	42	relative	relative	ADJ
fsr-3538	385	43	to	to	ADP
fsr-3538	385	44	the	the	DET
fsr-3538	385	45	change	change	NOUN
fsr-3538	385	46	in	in	ADP
fsr-3538	385	47	outcome	outcome	NOUN
fsr-3538	385	48	variable	variable	NOUN
fsr-3538	385	49	for	for	ADP
fsr-3538	385	50	male	male	ADJ
fsr-3538	385	51	students	student	NOUN
fsr-3538	385	52	.	.	PUNCT
fsr-3538	386	1	similarly	similarly	ADV
fsr-3538	386	2	,	,	PUNCT
fsr-3538	386	3	post	post	VERB
fsr-3538	386	4	#	#	NOUN
fsr-3538	386	5	year2020	year2020	PROPN
fsr-3538	386	6	is	be	AUX
fsr-3538	386	7	an	an	DET
fsr-3538	386	8	interaction	interaction	NOUN
fsr-3538	386	9	term	term	NOUN
fsr-3538	386	10	that	that	PRON
fsr-3538	386	11	captures	capture	VERB
fsr-3538	386	12	the	the	DET
fsr-3538	386	13	change	change	NOUN
fsr-3538	386	14	in	in	ADP
fsr-3538	386	15	outcome	outcome	NOUN
fsr-3538	386	16	variables	variable	NOUN
fsr-3538	386	17	from	from	ADP
fsr-3538	386	18	the	the	DET
fsr-3538	386	19	pre	pre	ADJ
fsr-3538	386	20	-	-	ADJ
fsr-3538	386	21	survey	survey	ADJ
fsr-3538	386	22	period	period	NOUN
fsr-3538	386	23	to	to	ADP
fsr-3538	386	24	the	the	DET
fsr-3538	386	25	post	post	ADJ
fsr-3538	386	26	-	-	ADJ
fsr-3538	386	27	survey	survey	ADJ
fsr-3538	386	28	period	period	NOUN
fsr-3538	386	29	for	for	ADP
fsr-3538	386	30	the	the	DET
fsr-3538	386	31	2020	2020	NUM
fsr-3538	386	32	-	-	SYM
fsr-3538	386	33	2021	2021	NUM
fsr-3538	386	34	program	program	NOUN
fsr-3538	386	35	,	,	PUNCT
fsr-3538	386	36	relative	relative	ADJ
fsr-3538	386	37	to	to	ADP
fsr-3538	386	38	the	the	DET
fsr-3538	386	39	change	change	NOUN
fsr-3538	386	40	in	in	ADP
fsr-3538	386	41	outcome	outcome	NOUN
fsr-3538	386	42	variable	variable	NOUN
fsr-3538	386	43	for	for	ADP
fsr-3538	386	44	the	the	DET
fsr-3538	386	45	2017	2017	NUM
fsr-3538	386	46	-	-	SYM
fsr-3538	386	47	2019	2019	NUM
fsr-3538	386	48	program	program	NOUN
fsr-3538	386	49	.	.	PUNCT
fsr-3538	387	1	other	other	ADJ
fsr-3538	387	2	control	control	NOUN
fsr-3538	387	3	variables	variable	NOUN
fsr-3538	387	4	are	be	AUX
fsr-3538	387	5	defined	define	VERB
fsr-3538	387	6	the	the	DET
fsr-3538	387	7	same	same	ADJ
fsr-3538	387	8	as	as	ADP
fsr-3538	387	9	in	in	ADP
fsr-3538	387	10	table	table	NOUN
fsr-3538	387	11	6	6	NUM
fsr-3538	387	12	and	and	CCONJ
fsr-3538	387	13	appendix	appendix	VERB
fsr-3538	387	14	d.	d.	PROPN
fsr-3538	387	15	we	we	PRON
fsr-3538	387	16	also	also	ADV
fsr-3538	387	17	include	include	VERB
fsr-3538	387	18	student	student	NOUN
fsr-3538	387	19	fixed	fix	VERB
fsr-3538	387	20	effects	effect	NOUN
fsr-3538	387	21	to	to	PART
fsr-3538	387	22	control	control	VERB
fsr-3538	387	23	student	student	NOUN
fsr-3538	387	24	characteristics	characteristic	NOUN
fsr-3538	387	25	differences	difference	NOUN
fsr-3538	387	26	,	,	PUNCT
fsr-3538	387	27	with	with	ADP
fsr-3538	387	28	standard	standard	ADJ
fsr-3538	387	29	errors	error	NOUN
fsr-3538	387	30	clustered	cluster	VERB
fsr-3538	387	31	at	at	ADP
fsr-3538	387	32	the	the	DET
fsr-3538	387	33	student	student	NOUN
fsr-3538	387	34	level	level	NOUN
fsr-3538	387	35	.	.	PUNCT
fsr-3538	388	1	the	the	DET
fsr-3538	388	2	statistically	statistically	ADV
fsr-3538	388	3	significant	significant	ADJ
fsr-3538	388	4	coefficient	coefficient	NOUN
fsr-3538	388	5	on	on	ADP
fsr-3538	388	6	post	post	NOUN
fsr-3538	388	7	in	in	ADP
fsr-3538	388	8	table	table	NOUN
fsr-3538	388	9	7	7	NUM
fsr-3538	388	10	suggests	suggest	VERB
fsr-3538	388	11	that	that	SCONJ
fsr-3538	388	12	students	student	NOUN
fsr-3538	388	13	show	show	VERB
fsr-3538	388	14	statistically	statistically	ADV
fsr-3538	388	15	significant	significant	ADJ
fsr-3538	388	16	improvements	improvement	NOUN
fsr-3538	388	17	in	in	ADP
fsr-3538	388	18	all	all	DET
fsr-3538	388	19	four	four	NUM
fsr-3538	388	20	financial	financial	ADJ
fsr-3538	388	21	literacy	literacy	NOUN
fsr-3538	388	22	areas	area	NOUN
fsr-3538	388	23	in	in	ADP
fsr-3538	388	24	virtually	virtually	ADV
fsr-3538	388	25	/	/	SYM
fsr-3538	388	26	hybrid	hybrid	ADJ
fsr-3538	388	27	learning	learning	NOUN
fsr-3538	388	28	and	and	CCONJ
fsr-3538	388	29	in	in	ADP
fsr-3538	388	30	-	-	PUNCT
fsr-3538	388	31	person	person	NOUN
fsr-3538	388	32	programs	program	NOUN
fsr-3538	388	33	after	after	ADP
fsr-3538	388	34	controlling	control	VERB
fsr-3538	388	35	for	for	ADP
fsr-3538	388	36	potential	potential	ADJ
fsr-3538	388	37	attrition	attrition	NOUN
fsr-3538	388	38	bias	bias	NOUN
fsr-3538	388	39	.	.	PUNCT
fsr-3538	389	1	moreover	moreover	ADV
fsr-3538	389	2	,	,	PUNCT
fsr-3538	389	3	the	the	DET
fsr-3538	389	4	statistically	statistically	ADV
fsr-3538	389	5	insignificant	insignificant	ADJ
fsr-3538	389	6	regression	regression	NOUN
fsr-3538	389	7	coefficient	coefficient	NOUN
fsr-3538	389	8	on	on	ADP
fsr-3538	389	9	post	post	NOUN
fsr-3538	389	10	#	#	NOUN
fsr-3538	389	11	year2020	year2020	PROPN
fsr-3538	389	12	in	in	ADP
fsr-3538	389	13	table	table	NOUN
fsr-3538	389	14	7	7	NUM
fsr-3538	389	15	using	use	VERB
fsr-3538	389	16	subjective	subjective	ADJ
fsr-3538	389	17	,	,	PUNCT
fsr-3538	389	18	objective	objective	ADJ
fsr-3538	389	19	,	,	PUNCT
fsr-3538	389	20	and	and	CCONJ
fsr-3538	389	21	idk	idk	INTJ
fsr-3538	389	22	as	as	ADP
fsr-3538	389	23	dependent	dependent	ADJ
fsr-3538	389	24	variable	variable	NOUN
fsr-3538	389	25	(	(	PUNCT
fsr-3538	389	26	i.e.	i.e.	X
fsr-3538	389	27	,	,	PUNCT
fsr-3538	389	28	models	model	NOUN
fsr-3538	389	29	2	2	NUM
fsr-3538	389	30	-	-	SYM
fsr-3538	389	31	4	4	NUM
fsr-3538	389	32	)	)	PUNCT
fsr-3538	389	33	suggest	suggest	VERB
fsr-3538	389	34	that	that	SCONJ
fsr-3538	389	35	there	there	PRON
fsr-3538	389	36	are	be	VERB
fsr-3538	389	37	no	no	DET
fsr-3538	389	38	statistically	statistically	ADV
fsr-3538	389	39	significant	significant	ADJ
fsr-3538	389	40	differences	difference	NOUN
fsr-3538	389	41	of	of	ADP
fsr-3538	389	42	improvements	improvement	NOUN
fsr-3538	389	43	in	in	ADP
fsr-3538	389	44	students	student	NOUN
fsr-3538	389	45	subjective	subjective	ADJ
fsr-3538	389	46	knowledge	knowledge	NOUN
fsr-3538	389	47	,	,	PUNCT
fsr-3538	389	48	objective	objective	ADJ
fsr-3538	389	49	knowledge	knowledge	NOUN
fsr-3538	389	50	,	,	PUNCT
fsr-3538	389	51	and	and	CCONJ
fsr-3538	389	52	self	self	NOUN
fsr-3538	389	53	-	-	PUNCT
fsr-3538	389	54	esteem	esteem	NOUN
fsr-3538	389	55	in	in	ADP
fsr-3538	389	56	virtual	virtual	ADJ
fsr-3538	389	57	/	/	SYM
fsr-3538	389	58	hybrid	hybrid	ADJ
fsr-3538	389	59	format	format	NOUN
fsr-3538	389	60	compared	compare	VERB
fsr-3538	389	61	with	with	ADP
fsr-3538	389	62	the	the	DET
fsr-3538	389	63	in	in	ADP
fsr-3538	389	64	-	-	PUNCT
fsr-3538	389	65	person	person	NOUN
fsr-3538	389	66	format	format	NOUN
fsr-3538	389	67	.	.	PUNCT
fsr-3538	390	1	this	this	DET
fsr-3538	390	2	finding	finding	NOUN
fsr-3538	390	3	is	be	AUX
fsr-3538	390	4	consistent	consistent	ADJ
fsr-3538	390	5	with	with	ADP
fsr-3538	390	6	our	our	PRON
fsr-3538	390	7	previous	previous	ADJ
fsr-3538	390	8	results	result	NOUN
fsr-3538	390	9	in	in	ADP
fsr-3538	390	10	table	table	NOUN
fsr-3538	390	11	6	6	NUM
fsr-3538	390	12	and	and	CCONJ
fsr-3538	390	13	rejects	reject	VERB
fsr-3538	390	14	our	our	PRON
fsr-3538	390	15	h1	h1	PROPN
fsr-3538	390	16	.	.	PUNCT
fsr-3538	391	1	the	the	DET
fsr-3538	391	2	statistically	statistically	ADV
fsr-3538	391	3	significant	significant	ADJ
fsr-3538	391	4	coefficients	coefficient	NOUN
fsr-3538	391	5	female	female	ADJ
fsr-3538	391	6	in	in	ADP
fsr-3538	391	7	models	model	NOUN
fsr-3538	391	8	2	2	NUM
fsr-3538	391	9	-	-	SYM
fsr-3538	391	10	4	4	NUM
fsr-3538	391	11	also	also	ADV
fsr-3538	391	12	confirm	confirm	VERB
fsr-3538	391	13	our	our	PRON
fsr-3538	391	14	previous	previous	ADJ
fsr-3538	391	15	results	result	NOUN
fsr-3538	391	16	that	that	PRON
fsr-3538	391	17	male	male	ADJ
fsr-3538	391	18	students	student	NOUN
fsr-3538	391	19	have	have	VERB
fsr-3538	391	20	a	a	DET
fsr-3538	391	21	higher	high	ADJ
fsr-3538	391	22	level	level	NOUN
fsr-3538	391	23	of	of	ADP
fsr-3538	391	24	financial	financial	ADJ
fsr-3538	391	25	literacy	literacy	NOUN
fsr-3538	391	26	in	in	ADP
fsr-3538	391	27	all	all	DET
fsr-3538	391	28	areas	area	NOUN
fsr-3538	391	29	except	except	SCONJ
fsr-3538	391	30	for	for	ADP
fsr-3538	391	31	financial	financial	ADJ
fsr-3538	391	32	behavior	behavior	NOUN
fsr-3538	391	33	than	than	ADP
fsr-3538	391	34	female	female	ADJ
fsr-3538	391	35	students	student	NOUN
fsr-3538	391	36	,	,	PUNCT
fsr-3538	391	37	which	which	PRON
fsr-3538	391	38	supports	support	VERB
fsr-3538	391	39	our	our	PRON
fsr-3538	391	40	h2a	h2a	NOUN
fsr-3538	391	41	.	.	PUNCT
fsr-3538	392	1	more	more	ADV
fsr-3538	392	2	importantly	importantly	ADV
fsr-3538	392	3	,	,	PUNCT
fsr-3538	392	4	female	female	ADJ
fsr-3538	392	5	students	student	NOUN
fsr-3538	392	6	experienced	experience	VERB
fsr-3538	392	7	the	the	DET
fsr-3538	392	8	most	most	ADJ
fsr-3538	392	9	gains	gain	NOUN
fsr-3538	392	10	in	in	ADP
fsr-3538	392	11	all	all	DET
fsr-3538	392	12	financial	financial	ADJ
fsr-3538	392	13	literacy	literacy	NOUN
fsr-3538	392	14	programs	program	NOUN
fsr-3538	392	15	except	except	SCONJ
fsr-3538	392	16	for	for	ADP
fsr-3538	392	17	financial	financial	ADJ
fsr-3538	392	18	behavior	behavior	NOUN
fsr-3538	392	19	,	,	PUNCT
fsr-3538	392	20	as	as	SCONJ
fsr-3538	392	21	evidenced	evidence	VERB
fsr-3538	392	22	by	by	ADP
fsr-3538	392	23	the	the	DET
fsr-3538	392	24	statistically	statistically	ADV
fsr-3538	392	25	significant	significant	ADJ
fsr-3538	392	26	interaction	interaction	NOUN
fsr-3538	392	27	term	term	NOUN
fsr-3538	392	28	post	post	NOUN
fsr-3538	392	29	#	#	NOUN
fsr-3538	392	30	female	female	NOUN
fsr-3538	392	31	.	.	PUNCT
fsr-3538	393	1	this	this	PRON
fsr-3538	393	2	supports	support	VERB
fsr-3538	393	3	our	our	PRON
fsr-3538	393	4	h2b	h2b	NOUN
fsr-3538	393	5	.	.	PUNCT
fsr-3538	394	1	5	5	NUM
fsr-3538	394	2	.	.	PUNCT
fsr-3538	394	3	conclusions	conclusion	NOUN
fsr-3538	394	4	this	this	DET
fsr-3538	394	5	study	study	NOUN
fsr-3538	394	6	’s	’s	PART
fsr-3538	394	7	primary	primary	ADJ
fsr-3538	394	8	purpose	purpose	NOUN
fsr-3538	394	9	is	be	AUX
fsr-3538	394	10	to	to	PART
fsr-3538	394	11	investigate	investigate	VERB
fsr-3538	394	12	the	the	DET
fsr-3538	394	13	effectiveness	effectiveness	NOUN
fsr-3538	394	14	of	of	ADP
fsr-3538	394	15	high	high	ADJ
fsr-3538	394	16	school	school	NOUN
fsr-3538	394	17	financial	financial	ADJ
fsr-3538	394	18	literacy	literacy	NOUN
fsr-3538	394	19	education	education	NOUN
fsr-3538	394	20	programs	program	NOUN
fsr-3538	394	21	in	in	ADP
fsr-3538	394	22	a	a	DET
fsr-3538	394	23	virtual	virtual	ADJ
fsr-3538	394	24	/	/	SYM
fsr-3538	394	25	hybrid	hybrid	NOUN
fsr-3538	394	26	environment	environment	NOUN
fsr-3538	394	27	instead	instead	ADV
fsr-3538	394	28	of	of	ADP
fsr-3538	394	29	an	an	DET
fsr-3538	394	30	in	in	ADP
fsr-3538	394	31	-	-	PUNCT
fsr-3538	394	32	person	person	NOUN
fsr-3538	394	33	setting	setting	NOUN
fsr-3538	394	34	.	.	PUNCT
fsr-3538	395	1	g.	g.	NOUN
fsr-3538	395	2	filbeck	filbeck	NOUN
fsr-3538	395	3	and	and	CCONJ
fsr-3538	395	4	x.	x.	NOUN
fsr-3538	395	5	zhao	zhao	PROPN
fsr-3538	395	6	/	/	SYM
fsr-3538	395	7	financial	financial	ADJ
fsr-3538	395	8	services	service	NOUN
fsr-3538	395	9	review	review	VERB
fsr-3538	395	10	31	31	NUM
fsr-3538	395	11	(	(	PUNCT
fsr-3538	395	12	2023	2023	NUM
fsr-3538	395	13	)	)	PUNCT
fsr-3538	395	14	169–196	169–196	NUM
fsr-3538	395	15	185	185	NUM
fsr-3538	395	16	t	t	X
fsr-3538	395	17	ab	ab	PROPN
fsr-3538	395	18	le	le	X
fsr-3538	395	19	7	7	NUM
fsr-3538	395	20	r	r	NOUN
fsr-3538	395	21	eg	eg	NOUN
fsr-3538	395	22	re	re	NOUN
fsr-3538	395	23	ss	ss	PROPN
fsr-3538	395	24	io	io	PROPN
fsr-3538	395	25	n	n	PROPN
fsr-3538	395	26	re	re	PROPN
fsr-3538	395	27	su	su	PROPN
fsr-3538	396	1	lt	lt	PROPN
fsr-3538	396	2	s	s	PROPN
fsr-3538	396	3	:	:	PUNCT
fsr-3538	397	1	d	d	X
fsr-3538	397	2	if	if	SCONJ
fsr-3538	397	3	fe	fe	X
fsr-3538	397	4	re	re	X
fsr-3538	397	5	n	n	X
fsr-3538	397	6	ce	ce	PROPN
fsr-3538	397	7	-i	-i	PROPN
fsr-3538	398	1	n	n	CCONJ
fsr-3538	398	2	-d	-d	PROPN
fsr-3538	398	3	if	if	SCONJ
fsr-3538	398	4	fe	fe	X
fsr-3538	398	5	re	re	X
fsr-3538	398	6	n	n	X
fsr-3538	398	7	ce	ce	PROPN
fsr-3538	398	8	m	m	NOUN
fsr-3538	398	9	o	o	PROPN
fsr-3538	399	1	d	d	X
fsr-3538	399	2	el	el	PROPN
fsr-3538	399	3	m	m	PROPN
fsr-3538	399	4	o	o	PROPN
fsr-3538	399	5	d	d	X
fsr-3538	399	6	el	el	PROPN
fsr-3538	399	7	(	(	PUNCT
fsr-3538	399	8	1	1	NUM
fsr-3538	399	9	)	)	PUNCT
fsr-3538	399	10	m	m	VERB
fsr-3538	400	1	o	o	X
fsr-3538	400	2	d	d	X
fsr-3538	400	3	el	el	PROPN
fsr-3538	400	4	(	(	PUNCT
fsr-3538	400	5	2	2	NUM
fsr-3538	400	6	)	)	PUNCT
fsr-3538	400	7	m	m	VERB
fsr-3538	400	8	o	o	X
fsr-3538	400	9	d	d	X
fsr-3538	400	10	el	el	PROPN
fsr-3538	400	11	(	(	PUNCT
fsr-3538	400	12	3	3	NUM
fsr-3538	400	13	)	)	PUNCT
fsr-3538	401	1	m	m	VERB
fsr-3538	401	2	o	o	X
fsr-3538	401	3	d	d	X
fsr-3538	401	4	el	el	PROPN
fsr-3538	401	5	(	(	PUNCT
fsr-3538	401	6	4	4	NUM
fsr-3538	401	7	)	)	PUNCT
fsr-3538	401	8	d	d	PROPN
fsr-3538	401	9	ep	ep	PROPN
fsr-3538	401	10	.	.	PUNCT
fsr-3538	402	1	v	v	X
fsr-3538	402	2	ar	ar	PROPN
fsr-3538	402	3	.	.	PUNCT
fsr-3538	402	4	:	:	PUNCT
fsr-3538	403	1	b	b	X
fsr-3538	403	2	eh	eh	INTJ
fsr-3538	403	3	av	av	PROPN
fsr-3538	403	4	io	io	NOUN
fsr-3538	403	5	r	r	PROPN
fsr-3538	403	6	d	d	PROPN
fsr-3538	403	7	ep	ep	PROPN
fsr-3538	403	8	.	.	PUNCT
fsr-3538	404	1	v	v	X
fsr-3538	404	2	ar	ar	PROPN
fsr-3538	404	3	.	.	PUNCT
fsr-3538	404	4	:	:	PUNCT
fsr-3538	405	1	s	s	VERB
fsr-3538	405	2	u	u	PROPN
fsr-3538	405	3	b	b	PROPN
fsr-3538	405	4	je	je	X
fsr-3538	405	5	ct	ct	NUM
fsr-3538	405	6	iv	iv	NUM
fsr-3538	405	7	e	e	PROPN
fsr-3538	405	8	d	d	X
fsr-3538	405	9	ep	ep	PROPN
fsr-3538	405	10	.	.	PUNCT
fsr-3538	406	1	v	v	X
fsr-3538	406	2	ar	ar	PROPN
fsr-3538	406	3	:	:	PUNCT
fsr-3538	407	1	o	o	PROPN
fsr-3538	407	2	b	b	X
fsr-3538	407	3	je	je	X
fsr-3538	407	4	ct	ct	NUM
fsr-3538	407	5	iv	iv	NUM
fsr-3538	407	6	e	e	PROPN
fsr-3538	407	7	d	d	X
fsr-3538	407	8	ep	ep	PROPN
fsr-3538	407	9	.	.	PUNCT
fsr-3538	408	1	v	v	X
fsr-3538	408	2	ar	ar	PROPN
fsr-3538	408	3	.	.	PUNCT
fsr-3538	408	4	:	:	PUNCT
fsr-3538	409	1	i	i	PROPN
fsr-3538	409	2	d	d	PROPN
fsr-3538	410	1	k	k	PROPN
fsr-3538	410	2	c	c	NOUN
fsr-3538	410	3	o	o	NOUN
fsr-3538	410	4	ef	ef	PROPN
fsr-3538	410	5	fi	fi	PROPN
fsr-3538	410	6	ci	ci	PROPN
fsr-3538	410	7	en	en	PROPN
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fsr-3538	460	2	2	2	NUM
fsr-3538	460	3	7	7	NUM
fsr-3538	460	4	"	"	SYM
fsr-3538	460	5	1	1	NUM
fsr-3538	460	6	.5	.5	NUM
fsr-3538	460	7	1	1	NUM
fsr-3538	460	8	0	0	NUM
fsr-3538	460	9	.0	.0	NUM
fsr-3538	460	10	2	2	NUM
fsr-3538	460	11	4	4	NUM
fsr-3538	460	12	0	0	NUM
fsr-3538	460	13	.0	.0	NUM
fsr-3538	460	14	6	6	NUM
fsr-3538	460	15	"	"	SYM
fsr-3538	460	16	0	0	NUM
fsr-3538	460	17	.0	.0	NUM
fsr-3538	460	18	6	6	NUM
fsr-3538	460	19	2	2	NUM
fsr-3538	460	20	"	"	PUNCT
fsr-3538	460	21	0	0	NUM
fsr-3538	461	1	.7	.7	NOUN
fsr-3538	461	2	0	0	NUM
fsr-3538	461	3	0	0	NUM
fsr-3538	461	4	.0	.0	NUM
fsr-3538	461	5	3	3	NUM
fsr-3538	461	6	9	9	NUM
fsr-3538	461	7	0	0	NUM
fsr-3538	461	8	.5	.5	NUM
fsr-3538	461	9	2	2	NUM
fsr-3538	461	10	s	s	NOUN
fsr-3538	461	11	ci	ci	PROPN
fsr-3538	461	12	en	en	X
fsr-3538	461	13	ce	ce	PROPN
fsr-3538	461	14	"	"	PUNCT
fsr-3538	461	15	0	0	NUM
fsr-3538	461	16	.3	.3	NUM
fsr-3538	461	17	6	6	NUM
fsr-3538	461	18	1	1	NUM
fsr-3538	461	19	"	"	PUNCT
fsr-3538	461	20	2	2	NUM
fsr-3538	461	21	.3	.3	NUM
fsr-3538	461	22	6	6	NUM
fsr-3538	461	23	*	*	PUNCT
fsr-3538	461	24	*	*	PUNCT
fsr-3538	461	25	"	"	PUNCT
fsr-3538	461	26	0	0	NUM
fsr-3538	461	27	.1	.1	NUM
fsr-3538	461	28	4	4	NUM
fsr-3538	461	29	3	3	NUM
fsr-3538	461	30	"	"	SYM
fsr-3538	461	31	0	0	NUM
fsr-3538	461	32	.3	.3	NUM
fsr-3538	461	33	7	7	NUM
fsr-3538	461	34	0	0	NUM
fsr-3538	461	35	.0	.0	NUM
fsr-3538	461	36	8	8	NUM
fsr-3538	461	37	8	8	NUM
fsr-3538	461	38	1	1	NUM
fsr-3538	461	39	.0	.0	NUM
fsr-3538	461	40	3	3	NUM
fsr-3538	461	41	"	"	SYM
fsr-3538	461	42	0	0	NUM
fsr-3538	461	43	.0	.0	NUM
fsr-3538	461	44	5	5	NUM
fsr-3538	461	45	9	9	NUM
fsr-3538	461	46	"	"	PUNCT
fsr-3538	461	47	0	0	NUM
fsr-3538	461	48	.7	.7	NUM
fsr-3538	461	49	6	6	NUM
fsr-3538	461	50	l	l	NOUN
fsr-3538	461	51	b	b	PROPN
fsr-3538	462	1	d	d	NOUN
fsr-3538	462	2	0	0	SYM
fsr-3538	462	3	.4	.4	NUM
fsr-3538	462	4	2	2	NUM
fsr-3538	462	5	8	8	NUM
fsr-3538	462	6	3	3	NUM
fsr-3538	462	7	.2	.2	NUM
fsr-3538	462	8	5	5	NUM
fsr-3538	462	9	*	*	PUNCT
fsr-3538	462	10	*	*	PUNCT
fsr-3538	463	1	*	*	PUNCT
fsr-3538	463	2	0	0	NUM
fsr-3538	463	3	.8	.8	NUM
fsr-3538	463	4	7	7	NUM
fsr-3538	463	5	4	4	NUM
fsr-3538	463	6	2	2	NUM
fsr-3538	463	7	.6	.6	NUM
fsr-3538	463	8	5	5	NUM
fsr-3538	463	9	*	*	PUNCT
fsr-3538	463	10	*	*	PUNCT
fsr-3538	464	1	*	*	PUNCT
fsr-3538	464	2	0	0	PUNCT
fsr-3538	465	1	.2	.2	NUM
fsr-3538	465	2	6	6	NUM
fsr-3538	465	3	8	8	NUM
fsr-3538	465	4	3	3	NUM
fsr-3538	465	5	.7	.7	NUM
fsr-3538	465	6	2	2	NUM
fsr-3538	465	7	*	*	PUNCT
fsr-3538	465	8	*	*	PUNCT
fsr-3538	465	9	*	*	PUNCT
fsr-3538	465	10	"	"	PUNCT
fsr-3538	465	11	0	0	NUM
fsr-3538	465	12	.0	.0	NUM
fsr-3538	465	13	7	7	NUM
fsr-3538	465	14	4	4	NUM
fsr-3538	465	15	"	"	SYM
fsr-3538	465	16	1	1	NUM
fsr-3538	465	17	.1	.1	NUM
fsr-3538	465	18	6	6	NUM
fsr-3538	465	19	l	l	NOUN
fsr-3538	465	20	is	be	AUX
fsr-3538	465	21	te	te	ADP
fsr-3538	465	22	n	n	PROPN
fsr-3538	465	23	in	in	ADP
fsr-3538	465	24	g	g	PROPN
fsr-3538	465	25	0	0	NUM
fsr-3538	465	26	.0	.0	NUM
fsr-3538	465	27	6	6	NUM
fsr-3538	465	28	1	1	NUM
fsr-3538	465	29	0	0	NUM
fsr-3538	465	30	.4	.4	NUM
fsr-3538	465	31	6	6	NUM
fsr-3538	465	32	0	0	NUM
fsr-3538	465	33	.6	.6	NUM
fsr-3538	465	34	7	7	NUM
fsr-3538	465	35	7	7	NUM
fsr-3538	465	36	1	1	NUM
fsr-3538	465	37	.9	.9	NUM
fsr-3538	465	38	9	9	NUM
fsr-3538	465	39	*	*	PUNCT
fsr-3538	465	40	*	*	PUNCT
fsr-3538	465	41	0	0	NUM
fsr-3538	466	1	.0	.0	NUM
fsr-3538	466	2	0	0	NUM
fsr-3538	467	1	6	6	NUM
fsr-3538	467	2	0	0	NUM
fsr-3538	467	3	.0	.0	NUM
fsr-3538	467	4	8	8	NUM
fsr-3538	467	5	"	"	SYM
fsr-3538	467	6	0	0	NUM
fsr-3538	467	7	.1	.1	NUM
fsr-3538	467	8	0	0	NUM
fsr-3538	467	9	1	1	NUM
fsr-3538	467	10	"	"	SYM
fsr-3538	467	11	1	1	NUM
fsr-3538	467	12	.4	.4	NUM
fsr-3538	467	13	3	3	NUM
fsr-3538	467	14	d	d	NOUN
fsr-3538	467	15	is	be	AUX
fsr-3538	467	16	cu	cu	PROPN
fsr-3538	467	17	ss	ss	NOUN
fsr-3538	467	18	in	in	ADP
fsr-3538	467	19	g	g	PROPN
fsr-3538	467	20	0	0	NUM
fsr-3538	467	21	.0	.0	NUM
fsr-3538	467	22	7	7	NUM
fsr-3538	467	23	7	7	NUM
fsr-3538	467	24	0	0	NUM
fsr-3538	467	25	.5	.5	NUM
fsr-3538	467	26	5	5	NUM
fsr-3538	467	27	0	0	NUM
fsr-3538	467	28	.5	.5	NUM
fsr-3538	467	29	9	9	NUM
fsr-3538	467	30	5	5	NUM
fsr-3538	467	31	1	1	NUM
fsr-3538	467	32	.6	.6	NUM
fsr-3538	467	33	9	9	NUM
fsr-3538	467	34	*	*	SYM
fsr-3538	467	35	0	0	NUM
fsr-3538	468	1	.0	.0	NUM
fsr-3538	468	2	1	1	NUM
fsr-3538	468	3	5	5	NUM
fsr-3538	468	4	0	0	NUM
fsr-3538	468	5	.1	.1	NUM
fsr-3538	468	6	7	7	NUM
fsr-3538	468	7	"	"	SYM
fsr-3538	468	8	0	0	NUM
fsr-3538	469	1	.0	.0	NUM
fsr-3538	469	2	1	1	NUM
fsr-3538	469	3	2	2	NUM
fsr-3538	469	4	"	"	PUNCT
fsr-3538	469	5	0	0	NUM
fsr-3538	469	6	.1	.1	NUM
fsr-3538	469	7	6	6	NUM
fsr-3538	469	8	v	v	NOUN
fsr-3538	469	9	is	be	AUX
fsr-3538	469	10	u	u	NOUN
fsr-3538	469	11	al	al	PROPN
fsr-3538	469	12	0	0	NUM
fsr-3538	470	1	.2	.2	NUM
fsr-3538	470	2	6	6	NUM
fsr-3538	470	3	1	1	NUM
fsr-3538	470	4	1	1	NUM
fsr-3538	470	5	.7	.7	NUM
fsr-3538	470	6	0	0	NUM
fsr-3538	470	7	*	*	PUNCT
fsr-3538	470	8	"	"	PUNCT
fsr-3538	470	9	0	0	NUM
fsr-3538	471	1	.1	.1	NUM
fsr-3538	471	2	0	0	NUM
fsr-3538	471	3	5	5	NUM
fsr-3538	471	4	"	"	PUNCT
fsr-3538	471	5	0	0	NUM
fsr-3538	472	1	.2	.2	NUM
fsr-3538	472	2	7	7	NUM
fsr-3538	472	3	0	0	NUM
fsr-3538	472	4	.0	.0	NUM
fsr-3538	472	5	8	8	NUM
fsr-3538	472	6	7	7	NUM
fsr-3538	472	7	0	0	NUM
fsr-3538	472	8	.9	.9	NUM
fsr-3538	472	9	5	5	NUM
fsr-3538	472	10	0	0	NUM
fsr-3538	472	11	.0	.0	NUM
fsr-3538	472	12	3	3	NUM
fsr-3538	472	13	6	6	NUM
fsr-3538	472	14	0	0	NUM
fsr-3538	472	15	.4	.4	NUM
fsr-3538	472	16	2	2	NUM
fsr-3538	472	17	n	n	NUM
fsr-3538	472	18	o	o	NOUN
fsr-3538	472	19	te	te	INTJ
fsr-3538	472	20	.	.	PUNCT
fsr-3538	473	1	t	t	PROPN
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fsr-3538	473	3	le	le	PROPN
fsr-3538	473	4	7	7	NUM
fsr-3538	474	1	sh	sh	INTJ
fsr-3538	474	2	o	o	PROPN
fsr-3538	474	3	w	w	PROPN
fsr-3538	474	4	s	s	X
fsr-3538	474	5	th	th	X
fsr-3538	474	6	e	e	X
fsr-3538	474	7	re	re	ADP
fsr-3538	474	8	g	g	PROPN
fsr-3538	474	9	re	re	ADP
fsr-3538	474	10	ss	ss	PROPN
fsr-3538	474	11	io	io	PROPN
fsr-3538	474	12	n	n	PROPN
fsr-3538	474	13	re	re	PROPN
fsr-3538	474	14	su	su	PROPN
fsr-3538	475	1	lt	lt	PROPN
fsr-3538	475	2	s	s	PROPN
fsr-3538	475	3	u	u	NOUN
fsr-3538	475	4	si	si	X
fsr-3538	475	5	n	n	ADV
fsr-3538	475	6	g	g	PROPN
fsr-3538	475	7	a	a	PROPN
fsr-3538	475	8	d	d	NOUN
fsr-3538	475	9	if	if	SCONJ
fsr-3538	475	10	fin	fin	NOUN
fsr-3538	475	11	-d	-d	PUNCT
fsr-3538	475	12	if	if	SCONJ
fsr-3538	475	13	f	f	PROPN
fsr-3538	475	14	m	m	VERB
fsr-3538	475	15	o	o	X
fsr-3538	475	16	d	d	X
fsr-3538	475	17	el	el	PROPN
fsr-3538	475	18	.	.	PUNCT
fsr-3538	476	1	s	s	PART
fsr-3538	477	1	p	p	X
fsr-3538	477	2	ec	ec	PROPN
fsr-3538	477	3	ifi	ifi	PROPN
fsr-3538	477	4	ca	can	AUX
fsr-3538	477	5	ll	ll	VERB
fsr-3538	477	6	y	y	PROPN
fsr-3538	477	7	,	,	PUNCT
fsr-3538	477	8	w	w	PROPN
fsr-3538	477	9	e	e	NOUN
fsr-3538	477	10	u	u	PROPN
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fsr-3538	477	12	o	o	PROPN
fsr-3538	477	13	u	u	INTJ
fsr-3538	477	14	tc	tc	X
fsr-3538	477	15	o	o	NOUN
fsr-3538	477	16	m	m	VERB
fsr-3538	477	17	e	e	NOUN
fsr-3538	477	18	v	v	PROPN
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fsr-3538	477	20	ia	ia	PROPN
fsr-3538	477	21	b	b	PROPN
fsr-3538	477	22	le	le	X
fsr-3538	477	23	s	s	PROPN
fsr-3538	477	24	(	(	PUNCT
fsr-3538	477	25	i	i	PRON
fsr-3538	477	26	.e	.e	PROPN
fsr-3538	477	27	.	.	PUNCT
fsr-3538	478	1	,	,	PUNCT
fsr-3538	478	2	b	b	X
fsr-3538	478	3	eh	eh	INTJ
fsr-3538	478	4	av	av	PROPN
fsr-3538	478	5	io	io	PROPN
fsr-3538	478	6	r	r	PROPN
fsr-3538	478	7	,	,	PUNCT
fsr-3538	478	8	s	s	PROPN
fsr-3538	478	9	u	u	PROPN
fsr-3538	478	10	b	b	PROPN
fsr-3538	478	11	je	je	X
fsr-3538	478	12	ct	ct	NUM
fsr-3538	478	13	iv	iv	NUM
fsr-3538	478	14	e	e	NOUN
fsr-3538	478	15	,	,	PUNCT
fsr-3538	478	16	o	o	PROPN
fsr-3538	478	17	b	b	X
fsr-3538	478	18	je	je	X
fsr-3538	478	19	ct	ct	NUM
fsr-3538	478	20	iv	iv	NUM
fsr-3538	478	21	e	e	NOUN
fsr-3538	478	22	,	,	PUNCT
fsr-3538	478	23	an	an	DET
fsr-3538	478	24	d	d	X
fsr-3538	478	25	i	i	PROPN
fsr-3538	478	26	d	d	PROPN
fsr-3538	478	27	k	k	PROPN
fsr-3538	478	28	)	)	PUNCT
fsr-3538	478	29	as	as	ADP
fsr-3538	478	30	d	d	X
fsr-3538	478	31	ep	ep	PROPN
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fsr-3538	479	2	d	d	PROPN
fsr-3538	479	3	en	en	PROPN
fsr-3538	479	4	t	t	PROPN
fsr-3538	479	5	v	v	PROPN
fsr-3538	479	6	ar	ar	PROPN
fsr-3538	479	7	ia	ia	PROPN
fsr-3538	479	8	b	b	PROPN
fsr-3538	479	9	le	le	X
fsr-3538	479	10	s	s	PROPN
fsr-3538	479	11	w	w	NOUN
fsr-3538	479	12	it	it	PRON
fsr-3538	480	1	h	h	NOUN
fsr-3538	481	1	p	p	X
fsr-3538	481	2	o	o	X
fsr-3538	481	3	o	o	X
fsr-3538	481	4	le	le	X
fsr-3538	482	1	d	d	X
fsr-3538	482	2	p	p	X
fsr-3538	482	3	re	re	ADP
fsr-3538	482	4	an	an	PRON
fsr-3538	482	5	d	d	X
fsr-3538	482	6	p	p	PROPN
fsr-3538	482	7	o	o	X
fsr-3538	482	8	st	st	X
fsr-3538	483	1	-s	-s	INTJ
fsr-3538	483	2	ur	ur	INTJ
fsr-3538	483	3	v	v	INTJ
fsr-3538	483	4	ey	ey	PROPN
fsr-3538	483	5	d	d	NOUN
fsr-3538	483	6	at	at	ADP
fsr-3538	483	7	a.	a.	NOUN
fsr-3538	483	8	w	w	PROPN
fsr-3538	483	9	e	e	X
fsr-3538	483	10	re	re	ADP
fsr-3538	483	11	p	p	NOUN
fsr-3538	483	12	o	o	X
fsr-3538	483	13	rt	rt	X
fsr-3538	483	14	th	th	X
fsr-3538	483	15	e	e	X
fsr-3538	483	16	re	re	ADP
fsr-3538	483	17	g	g	PROPN
fsr-3538	483	18	re	re	ADP
fsr-3538	483	19	ss	ss	PROPN
fsr-3538	483	20	io	io	PROPN
fsr-3538	483	21	n	n	PROPN
fsr-3538	483	22	re	re	PROPN
fsr-3538	483	23	su	su	PROPN
fsr-3538	483	24	lt	lt	PROPN
fsr-3538	483	25	s	s	PROPN
fsr-3538	483	26	o	o	PROPN
fsr-3538	483	27	n	n	PRON
fsr-3538	483	28	st	st	PROPN
fsr-3538	483	29	u	u	PROPN
fsr-3538	483	30	d	d	PROPN
fsr-3538	483	31	en	en	PROPN
fsr-3538	483	32	t	t	PROPN
fsr-3538	483	33	ch	ch	PROPN
fsr-3538	483	34	ar	ar	PROPN
fsr-3538	483	35	ac	ac	PROPN
fsr-3538	483	36	te	te	PROPN
fsr-3538	483	37	ri	ri	PROPN
fsr-3538	483	38	st	st	PROPN
fsr-3538	484	1	ic	ic	PROPN
fsr-3538	484	2	s	s	VERB
fsr-3538	484	3	af	af	VERB
fsr-3538	484	4	te	te	ADP
fsr-3538	484	5	r	r	NOUN
fsr-3538	484	6	co	co	NOUN
fsr-3538	484	7	n	n	PRON
fsr-3538	484	8	tr	tr	NOUN
fsr-3538	484	9	o	o	PROPN
fsr-3538	484	10	ll	ll	NOUN
fsr-3538	484	11	in	in	ADP
fsr-3538	484	12	g	g	NOUN
fsr-3538	484	13	fo	fo	ADP
fsr-3538	484	14	r	r	NOUN
fsr-3538	484	15	fi	fi	NOUN
fsr-3538	484	16	x	x	INTJ
fsr-3538	484	17	ed	ed	NOUN
fsr-3538	484	18	ef	ef	PROPN
fsr-3538	485	1	fe	fe	PROPN
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fsr-3538	485	3	o	o	X
fsr-3538	485	4	f	f	PROPN
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fsr-3538	485	6	u	u	PROPN
fsr-3538	485	7	d	d	X
fsr-3538	485	8	en	en	ADP
fsr-3538	485	9	ts	ts	X
fsr-3538	485	10	,	,	PUNCT
fsr-3538	485	11	w	w	VERB
fsr-3538	485	12	it	it	PRON
fsr-3538	485	13	h	h	NOUN
fsr-3538	485	14	st	st	PROPN
fsr-3538	486	1	an	an	DET
fsr-3538	486	2	d	d	PROPN
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fsr-3538	486	4	d	d	PROPN
fsr-3538	486	5	er	er	INTJ
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fsr-3538	486	7	rs	rs	PROPN
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fsr-3538	486	9	u	u	PROPN
fsr-3538	486	10	st	st	PROPN
fsr-3538	486	11	er	er	INTJ
fsr-3538	486	12	ed	ed	NOUN
fsr-3538	486	13	at	at	ADP
fsr-3538	486	14	th	th	X
fsr-3538	486	15	e	e	PROPN
fsr-3538	486	16	st	st	PROPN
fsr-3538	486	17	u	u	PROPN
fsr-3538	486	18	d	d	PROPN
fsr-3538	486	19	en	en	PROPN
fsr-3538	486	20	t	t	PROPN
fsr-3538	486	21	le	le	X
fsr-3538	486	22	v	v	PROPN
fsr-3538	486	23	el	el	PROPN
fsr-3538	486	24	.	.	PUNCT
fsr-3538	487	1	b	b	X
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fsr-3538	487	3	av	av	PROPN
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fsr-3538	487	5	r	r	X
fsr-3538	487	6	(	(	PUNCT
fsr-3538	487	7	s	s	PROPN
fsr-3538	487	8	u	u	PROPN
fsr-3538	487	9	b	b	PROPN
fsr-3538	487	10	je	je	X
fsr-3538	487	11	ct	ct	NUM
fsr-3538	487	12	iv	iv	NUM
fsr-3538	487	13	e	e	NOUN
fsr-3538	487	14	,	,	PUNCT
fsr-3538	487	15	o	o	PROPN
fsr-3538	487	16	b	b	X
fsr-3538	487	17	je	je	X
fsr-3538	487	18	ct	ct	NUM
fsr-3538	487	19	iv	iv	NUM
fsr-3538	487	20	e	e	NOUN
fsr-3538	487	21	,	,	PUNCT
fsr-3538	487	22	i	i	PROPN
fsr-3538	487	23	d	d	PROPN
fsr-3538	487	24	k	k	PROPN
fsr-3538	487	25	)	)	PUNCT
fsr-3538	487	26	is	be	AUX
fsr-3538	487	27	th	th	X
fsr-3538	487	28	e	e	NOUN
fsr-3538	487	29	st	st	PROPN
fsr-3538	487	30	u	u	PROPN
fsr-3538	487	31	d	d	PROPN
fsr-3538	487	32	en	en	PROPN
fsr-3538	487	33	t	t	PROPN
fsr-3538	487	34	’	'	PUNCT
fsr-3538	487	35	s	s	PROPN
fsr-3538	487	36	su	su	PROPN
fsr-3538	487	37	rv	rv	PROPN
fsr-3538	487	38	ey	ey	PROPN
fsr-3538	487	39	sc	sc	PROPN
fsr-3538	487	40	o	o	X
fsr-3538	487	41	re	re	NOUN
fsr-3538	487	42	s	s	NOUN
fsr-3538	487	43	fo	fo	ADP
fsr-3538	487	44	r	r	NOUN
fsr-3538	487	45	th	th	X
fsr-3538	487	46	e	e	NOUN
fsr-3538	487	47	fi	fi	NOUN
fsr-3538	487	48	na	na	ADP
fsr-3538	487	49	n	n	PROPN
fsr-3538	487	50	ci	ci	PROPN
fsr-3538	487	51	al	al	PROPN
fsr-3538	487	52	b	b	PROPN
fsr-3538	487	53	eh	eh	INTJ
fsr-3538	487	54	av	av	PROPN
fsr-3538	487	55	io	io	PROPN
fsr-3538	487	56	r	r	PROPN
fsr-3538	487	57	(	(	PUNCT
fsr-3538	487	58	k	k	NOUN
fsr-3538	487	59	n	n	X
fsr-3538	487	60	o	o	X
fsr-3538	487	61	w	w	X
fsr-3538	487	62	le	le	PROPN
fsr-3538	488	1	d	d	X
fsr-3538	488	2	g	g	PROPN
fsr-3538	488	3	e	e	PROPN
fsr-3538	488	4	,	,	PUNCT
fsr-3538	488	5	o	o	PROPN
fsr-3538	488	6	b	b	X
fsr-3538	488	7	je	je	X
fsr-3538	488	8	ct	ct	NUM
fsr-3538	488	9	iv	iv	NUM
fsr-3538	488	10	e	e	NOUN
fsr-3538	488	11	)	)	PUNCT
fsr-3538	488	12	q	q	NOUN
fsr-3538	488	13	u	u	NOUN
fsr-3538	488	14	es	es	X
fsr-3538	488	15	ti	ti	NOUN
fsr-3538	488	16	o	o	NOUN
fsr-3538	488	17	n	n	CCONJ
fsr-3538	488	18	s.	s.	PROPN
fsr-3538	488	19	y	y	PROPN
fsr-3538	488	20	ea	ea	PROPN
fsr-3538	488	21	r2	r2	PROPN
fsr-3538	488	22	0	0	NUM
fsr-3538	489	1	2	2	NUM
fsr-3538	489	2	0	0	NUM
fsr-3538	489	3	is	be	AUX
fsr-3538	489	4	a	a	DET
fsr-3538	489	5	d	d	X
fsr-3538	489	6	u	u	NOUN
fsr-3538	489	7	m	m	NOUN
fsr-3538	489	8	m	m	VERB
fsr-3538	489	9	y	y	PROPN
fsr-3538	489	10	v	v	NUM
fsr-3538	489	11	ar	ar	PROPN
fsr-3538	489	12	ia	ia	PROPN
fsr-3538	489	13	b	b	PROPN
fsr-3538	489	14	le	le	PROPN
fsr-3538	489	15	eq	eq	PROPN
fsr-3538	489	16	u	u	PROPN
fsr-3538	489	17	al	al	PROPN
fsr-3538	489	18	to	to	ADP
fsr-3538	489	19	1	1	NUM
fsr-3538	489	20	if	if	SCONJ
fsr-3538	489	21	it	it	PRON
fsr-3538	489	22	b	b	X
fsr-3538	489	23	el	el	NOUN
fsr-3538	489	24	o	o	PROPN
fsr-3538	490	1	n	n	CCONJ
fsr-3538	491	1	g	g	NOUN
fsr-3538	491	2	s	s	X
fsr-3538	491	3	to	to	ADP
fsr-3538	491	4	th	th	NUM
fsr-3538	491	5	e	e	X
fsr-3538	491	6	2	2	NUM
fsr-3538	491	7	0	0	NUM
fsr-3538	491	8	2	2	NUM
fsr-3538	491	9	0	0	NUM
fsr-3538	491	10	-2	-2	NOUN
fsr-3538	491	11	02	02	NUM
fsr-3538	491	12	1	1	NUM
fsr-3538	491	13	sa	sa	NOUN
fsr-3538	491	14	m	m	PROPN
fsr-3538	491	15	p	p	NOUN
fsr-3538	491	16	le	le	X
fsr-3538	491	17	.	.	PUNCT
fsr-3538	492	1	p	p	X
fsr-3538	492	2	o	o	X
fsr-3538	492	3	st	st	PROPN
fsr-3538	492	4	is	be	AUX
fsr-3538	492	5	a	a	DET
fsr-3538	492	6	d	d	X
fsr-3538	492	7	u	u	NOUN
fsr-3538	492	8	m	m	NOUN
fsr-3538	492	9	m	m	VERB
fsr-3538	492	10	y	y	PROPN
fsr-3538	492	11	v	v	NUM
fsr-3538	492	12	ar	ar	PROPN
fsr-3538	492	13	ia	ia	PROPN
fsr-3538	492	14	b	b	PROPN
fsr-3538	492	15	le	le	PROPN
fsr-3538	492	16	eq	eq	PROPN
fsr-3538	492	17	u	u	PROPN
fsr-3538	492	18	al	al	PROPN
fsr-3538	492	19	to	to	ADP
fsr-3538	492	20	1	1	NUM
fsr-3538	492	21	if	if	SCONJ
fsr-3538	492	22	th	th	X
fsr-3538	492	23	e	e	PROPN
fsr-3538	492	24	su	su	PROPN
fsr-3538	492	25	rv	rv	PROPN
fsr-3538	492	26	ey	ey	PROPN
fsr-3538	492	27	sc	sc	PROPN
fsr-3538	492	28	o	o	NOUN
fsr-3538	492	29	re	re	VERB
fsr-3538	492	30	is	be	AUX
fsr-3538	492	31	fr	fr	INTJ
fsr-3538	492	32	o	o	NOUN
fsr-3538	492	33	m	m	VERB
fsr-3538	492	34	p	p	X
fsr-3538	493	1	o	o	X
fsr-3538	493	2	st	st	X
fsr-3538	494	1	-s	-s	INTJ
fsr-3538	494	2	ur	ur	INTJ
fsr-3538	494	3	v	v	X
fsr-3538	494	4	ey	ey	PRON
fsr-3538	494	5	an	an	DET
fsr-3538	494	6	d	d	NOUN
fsr-3538	494	7	0	0	NUM
fsr-3538	494	8	o	o	NOUN
fsr-3538	495	1	th	th	X
fsr-3538	495	2	er	er	INTJ
fsr-3538	495	3	w	w	PROPN
fsr-3538	495	4	is	be	AUX
fsr-3538	495	5	e.	e.	PROPN
fsr-3538	495	6	p	p	PROPN
fsr-3538	496	1	o	o	PROPN
fsr-3538	496	2	st	st	PROPN
fsr-3538	496	3	#	#	PROPN
fsr-3538	496	4	y	y	PROPN
fsr-3538	496	5	ea	ea	PROPN
fsr-3538	496	6	r2	r2	PROPN
fsr-3538	496	7	0	0	NUM
fsr-3538	496	8	20	20	NUM
fsr-3538	496	9	is	be	AUX
fsr-3538	496	10	an	an	DET
fsr-3538	496	11	in	in	ADP
fsr-3538	496	12	te	te	ADP
fsr-3538	496	13	ra	ra	PROPN
fsr-3538	496	14	ct	ct	PROPN
fsr-3538	496	15	io	io	PROPN
fsr-3538	496	16	n	n	PROPN
fsr-3538	496	17	te	te	INTJ
fsr-3538	496	18	rm	rm	NOUN
fsr-3538	496	19	o	o	PROPN
fsr-3538	497	1	f	f	X
fsr-3538	497	2	p	p	X
fsr-3538	497	3	o	o	X
fsr-3538	497	4	st	st	PROPN
fsr-3538	497	5	an	an	PROPN
fsr-3538	497	6	d	d	X
fsr-3538	497	7	y	y	PROPN
fsr-3538	497	8	ea	ea	PROPN
fsr-3538	497	9	r2	r2	PROPN
fsr-3538	497	10	0	0	NUM
fsr-3538	497	11	2	2	NUM
fsr-3538	497	12	0	0	NUM
fsr-3538	497	13	.	.	PUNCT
fsr-3538	498	1	f	f	X
fsr-3538	498	2	em	em	PROPN
fsr-3538	498	3	al	al	PROPN
fsr-3538	498	4	e	e	PROPN
fsr-3538	498	5	is	be	AUX
fsr-3538	498	6	a	a	DET
fsr-3538	498	7	d	d	X
fsr-3538	498	8	u	u	NOUN
fsr-3538	498	9	m	m	NOUN
fsr-3538	498	10	m	m	VERB
fsr-3538	498	11	y	y	PROPN
fsr-3538	498	12	v	v	NUM
fsr-3538	498	13	ar	ar	PROPN
fsr-3538	498	14	ia	ia	PROPN
fsr-3538	498	15	b	b	PROPN
fsr-3538	498	16	le	le	PROPN
fsr-3538	498	17	eq	eq	PROPN
fsr-3538	498	18	u	u	PROPN
fsr-3538	498	19	al	al	PROPN
fsr-3538	498	20	to	to	ADP
fsr-3538	498	21	1	1	NUM
fsr-3538	498	22	if	if	SCONJ
fsr-3538	498	23	th	th	X
fsr-3538	498	24	e	e	NOUN
fsr-3538	498	25	st	st	PROPN
fsr-3538	498	26	u	u	PROPN
fsr-3538	498	27	d	d	PROPN
fsr-3538	498	28	en	en	PROPN
fsr-3538	498	29	t	t	PROPN
fsr-3538	498	30	is	be	AUX
fsr-3538	498	31	a	a	DET
fsr-3538	498	32	fe	fe	X
fsr-3538	498	33	m	m	NOUN
fsr-3538	498	34	al	al	PROPN
fsr-3538	498	35	e	e	PROPN
fsr-3538	498	36	st	st	PROPN
fsr-3538	498	37	u	u	PROPN
fsr-3538	498	38	d	d	PROPN
fsr-3538	498	39	en	en	PROPN
fsr-3538	498	40	t	t	PROPN
fsr-3538	498	41	an	an	DET
fsr-3538	498	42	d	d	PROPN
fsr-3538	498	43	0	0	NUM
fsr-3538	498	44	o	o	NOUN
fsr-3538	498	45	th	th	X
fsr-3538	498	46	er	er	INTJ
fsr-3538	498	47	w	w	PROPN
fsr-3538	498	48	is	be	AUX
fsr-3538	498	49	e.	e.	PROPN
fsr-3538	498	50	p	p	PROPN
fsr-3538	499	1	o	o	PROPN
fsr-3538	499	2	st	st	PROPN
fsr-3538	499	3	x	x	X
fsr-3538	499	4	f	f	PROPN
fsr-3538	499	5	em	em	PROPN
fsr-3538	499	6	al	al	PROPN
fsr-3538	499	7	e	e	PROPN
fsr-3538	499	8	is	be	AUX
fsr-3538	499	9	an	an	DET
fsr-3538	499	10	in	in	ADP
fsr-3538	499	11	te	te	ADP
fsr-3538	499	12	ra	ra	PROPN
fsr-3538	499	13	ct	ct	PROPN
fsr-3538	499	14	io	io	PROPN
fsr-3538	499	15	n	n	PROPN
fsr-3538	499	16	te	te	INTJ
fsr-3538	499	17	rm	rm	NOUN
fsr-3538	499	18	o	o	PROPN
fsr-3538	500	1	f	f	X
fsr-3538	500	2	p	p	X
fsr-3538	500	3	o	o	X
fsr-3538	500	4	st	st	PROPN
fsr-3538	501	1	an	an	PROPN
fsr-3538	501	2	d	d	X
fsr-3538	501	3	f	f	X
fsr-3538	501	4	em	em	PROPN
fsr-3538	501	5	al	al	PROPN
fsr-3538	501	6	e.	e.	PROPN
fsr-3538	501	7	u	u	PROPN
fsr-3538	502	1	p	p	PROPN
fsr-3538	502	2	p	p	X
fsr-3538	502	3	er	er	INTJ
fsr-3538	502	4	cl	cl	NOUN
fsr-3538	502	5	as	as	SCONJ
fsr-3538	502	6	s	s	PRON
fsr-3538	502	7	is	be	AUX
fsr-3538	502	8	a	a	DET
fsr-3538	502	9	d	d	X
fsr-3538	502	10	u	u	NOUN
fsr-3538	502	11	m	m	NOUN
fsr-3538	502	12	m	m	VERB
fsr-3538	502	13	y	y	PROPN
fsr-3538	502	14	v	v	NUM
fsr-3538	502	15	ar	ar	PROPN
fsr-3538	502	16	ia	ia	PROPN
fsr-3538	502	17	b	b	PROPN
fsr-3538	502	18	le	le	PROPN
fsr-3538	502	19	eq	eq	PROPN
fsr-3538	502	20	u	u	PROPN
fsr-3538	502	21	al	al	PROPN
fsr-3538	502	22	to	to	ADP
fsr-3538	502	23	1	1	NUM
fsr-3538	502	24	if	if	SCONJ
fsr-3538	502	25	th	th	X
fsr-3538	502	26	e	e	NOUN
fsr-3538	502	27	st	st	PROPN
fsr-3538	502	28	u	u	PROPN
fsr-3538	502	29	d	d	PROPN
fsr-3538	502	30	en	en	PROPN
fsr-3538	502	31	t	t	PROPN
fsr-3538	502	32	is	be	AUX
fsr-3538	502	33	a	a	DET
fsr-3538	502	34	ju	ju	NOUN
fsr-3538	502	35	n	n	NOUN
fsr-3538	502	36	io	io	NOUN
fsr-3538	502	37	r	r	NOUN
fsr-3538	502	38	o	o	NOUN
fsr-3538	502	39	r	r	NOUN
fsr-3538	502	40	se	se	PROPN
fsr-3538	502	41	n	n	X
fsr-3538	502	42	io	io	NOUN
fsr-3538	502	43	r	r	NOUN
fsr-3538	502	44	an	an	PROPN
fsr-3538	503	1	d	d	NOUN
fsr-3538	503	2	0	0	NUM
fsr-3538	503	3	o	o	NOUN
fsr-3538	503	4	th	th	X
fsr-3538	503	5	er	er	INTJ
fsr-3538	503	6	w	w	PROPN
fsr-3538	503	7	is	be	AUX
fsr-3538	503	8	e.	e.	PROPN
fsr-3538	503	9	e	e	PROPN
fsr-3538	503	10	n	n	PROPN
fsr-3538	503	11	g	g	PROPN
fsr-3538	503	12	li	li	PROPN
fsr-3538	504	1	sh	sh	INTJ
fsr-3538	504	2	(	(	PUNCT
fsr-3538	504	3	m	m	VERB
fsr-3538	504	4	at	at	ADP
fsr-3538	504	5	h	h	PROPN
fsr-3538	504	6	,	,	PUNCT
fsr-3538	504	7	s	s	PROPN
fsr-3538	504	8	ci	ci	PROPN
fsr-3538	504	9	en	en	PROPN
fsr-3538	504	10	ce	ce	PROPN
fsr-3538	504	11	)	)	PUNCT
fsr-3538	504	12	is	be	AUX
fsr-3538	504	13	a	a	DET
fsr-3538	504	14	d	d	X
fsr-3538	504	15	u	u	NOUN
fsr-3538	504	16	m	m	NOUN
fsr-3538	504	17	m	m	VERB
fsr-3538	504	18	y	y	PROPN
fsr-3538	504	19	v	v	NUM
fsr-3538	504	20	ar	ar	PROPN
fsr-3538	504	21	ia	ia	PROPN
fsr-3538	504	22	b	b	PROPN
fsr-3538	504	23	le	le	PROPN
fsr-3538	504	24	eq	eq	PROPN
fsr-3538	504	25	u	u	PROPN
fsr-3538	504	26	al	al	PROPN
fsr-3538	504	27	to	to	ADP
fsr-3538	504	28	1	1	NUM
fsr-3538	504	29	if	if	SCONJ
fsr-3538	504	30	th	th	X
fsr-3538	504	31	e	e	NOUN
fsr-3538	504	32	st	st	PROPN
fsr-3538	504	33	u	u	PROPN
fsr-3538	504	34	d	d	PROPN
fsr-3538	504	35	en	en	PROPN
fsr-3538	504	36	t	t	PROPN
fsr-3538	504	37	’	'	PUNCT
fsr-3538	504	38	s	s	PROPN
fsr-3538	504	39	fa	fa	INTJ
fsr-3538	504	40	v	v	NUM
fsr-3538	504	41	o	o	X
fsr-3538	504	42	ri	ri	PROPN
fsr-3538	504	43	te	te	PROPN
fsr-3538	504	44	su	su	PROPN
fsr-3538	504	45	b	b	PROPN
fsr-3538	504	46	je	je	PROPN
fsr-3538	504	47	ct	ct	PROPN
fsr-3538	504	48	is	be	AUX
fsr-3538	504	49	e	e	PROPN
fsr-3538	504	50	n	n	NUM
fsr-3538	505	1	g	g	PROPN
fsr-3538	505	2	li	li	PROPN
fsr-3538	505	3	sh	sh	INTJ
fsr-3538	505	4	(	(	PUNCT
fsr-3538	505	5	m	m	VERB
fsr-3538	505	6	at	at	ADP
fsr-3538	505	7	h	h	PROPN
fsr-3538	505	8	,	,	PUNCT
fsr-3538	505	9	sc	sc	PROPN
fsr-3538	505	10	ie	ie	X
fsr-3538	505	11	n	n	PROPN
fsr-3538	505	12	ce	ce	PROPN
fsr-3538	505	13	)	)	PUNCT
fsr-3538	506	1	an	an	DET
fsr-3538	506	2	d	d	NOUN
fsr-3538	506	3	0	0	NUM
fsr-3538	506	4	o	o	NOUN
fsr-3538	506	5	th	th	X
fsr-3538	506	6	er	er	INTJ
fsr-3538	506	7	w	w	PROPN
fsr-3538	506	8	is	be	AUX
fsr-3538	506	9	e.	e.	PROPN
fsr-3538	506	10	l	l	PROPN
fsr-3538	507	1	b	b	PROPN
fsr-3538	508	1	d	d	NOUN
fsr-3538	508	2	(	(	PUNCT
fsr-3538	508	3	l	l	NOUN
fsr-3538	508	4	is	be	AUX
fsr-3538	508	5	te	te	ADP
fsr-3538	508	6	n	n	PROPN
fsr-3538	508	7	in	in	ADP
fsr-3538	508	8	g	g	PROPN
fsr-3538	508	9	,	,	PUNCT
fsr-3538	508	10	d	d	PROPN
fsr-3538	508	11	is	be	AUX
fsr-3538	508	12	cu	cu	PROPN
fsr-3538	508	13	ss	ss	NOUN
fsr-3538	508	14	in	in	ADP
fsr-3538	508	15	g	g	PROPN
fsr-3538	508	16	,	,	PUNCT
fsr-3538	508	17	an	an	DET
fsr-3538	508	18	d	d	NOUN
fsr-3538	508	19	v	v	NOUN
fsr-3538	508	20	is	be	AUX
fsr-3538	508	21	u	u	PROPN
fsr-3538	508	22	al	al	PROPN
fsr-3538	508	23	)	)	PUNCT
fsr-3538	508	24	is	be	AUX
fsr-3538	508	25	a	a	DET
fsr-3538	508	26	d	d	X
fsr-3538	508	27	u	u	NOUN
fsr-3538	508	28	m	m	NOUN
fsr-3538	508	29	m	m	VERB
fsr-3538	508	30	y	y	PROPN
fsr-3538	508	31	v	v	NUM
fsr-3538	508	32	ar	ar	PROPN
fsr-3538	508	33	ia	ia	PROPN
fsr-3538	508	34	b	b	PROPN
fsr-3538	508	35	le	le	PROPN
fsr-3538	508	36	eq	eq	PROPN
fsr-3538	508	37	u	u	PROPN
fsr-3538	508	38	al	al	PROPN
fsr-3538	508	39	to	to	ADP
fsr-3538	508	40	1	1	NUM
fsr-3538	508	41	if	if	SCONJ
fsr-3538	508	42	th	th	X
fsr-3538	508	43	e	e	NOUN
fsr-3538	508	44	st	st	PROPN
fsr-3538	508	45	u	u	PROPN
fsr-3538	508	46	d	d	PROPN
fsr-3538	508	47	en	en	PROPN
fsr-3538	508	48	t	t	PROPN
fsr-3538	508	49	ch	ch	NOUN
fsr-3538	509	1	o	o	X
fsr-3538	509	2	o	o	X
fsr-3538	509	3	se	se	X
fsr-3538	509	4	s	s	PROPN
fsr-3538	509	5	le	le	X
fsr-3538	509	6	ar	ar	PROPN
fsr-3538	509	7	n	n	PROPN
fsr-3538	509	8	in	in	ADP
fsr-3538	509	9	g	g	PROPN
fsr-3538	509	10	b	b	PROPN
fsr-3538	509	11	y	y	PROPN
fsr-3538	509	12	d	d	X
fsr-3538	509	13	o	o	PROPN
fsr-3538	509	14	in	in	ADP
fsr-3538	509	15	g	g	PROPN
fsr-3538	509	16	(	(	PUNCT
fsr-3538	509	17	l	l	NOUN
fsr-3538	509	18	is	be	AUX
fsr-3538	509	19	te	te	ADP
fsr-3538	509	20	n	n	PROPN
fsr-3538	509	21	in	in	ADP
fsr-3538	509	22	g	g	PROPN
fsr-3538	509	23	,	,	PUNCT
fsr-3538	509	24	d	d	PROPN
fsr-3538	509	25	is	be	AUX
fsr-3538	509	26	cu	cu	PROPN
fsr-3538	509	27	ss	ss	NOUN
fsr-3538	509	28	in	in	ADP
fsr-3538	509	29	g	g	PROPN
fsr-3538	509	30	w	w	ADP
fsr-3538	509	31	it	it	PRON
fsr-3538	510	1	h	h	NOUN
fsr-3538	511	1	p	p	X
fsr-3538	511	2	ee	ee	INTJ
fsr-3538	511	3	rs	rs	PROPN
fsr-3538	511	4	,	,	PUNCT
fsr-3538	511	5	an	an	DET
fsr-3538	511	6	d	d	X
fsr-3538	511	7	fe	fe	NOUN
fsr-3538	511	8	at	at	ADP
fsr-3538	511	9	u	u	PROPN
fsr-3538	511	10	re	re	ADP
fsr-3538	511	11	s	s	PROPN
fsr-3538	511	12	v	v	NOUN
fsr-3538	511	13	is	be	AUX
fsr-3538	511	14	u	u	PROPN
fsr-3538	511	15	al	al	PROPN
fsr-3538	511	16	su	su	PROPN
fsr-3538	512	1	p	p	PROPN
fsr-3538	512	2	p	p	X
fsr-3538	512	3	o	o	X
fsr-3538	512	4	rt	rt	PROPN
fsr-3538	512	5	)	)	PUNCT
fsr-3538	513	1	as	as	ADP
fsr-3538	513	2	a	a	DET
fsr-3538	513	3	fa	fa	NOUN
fsr-3538	513	4	v	v	NUM
fsr-3538	513	5	o	o	X
fsr-3538	513	6	ri	ri	X
fsr-3538	513	7	te	te	PROPN
fsr-3538	513	8	in	in	ADP
fsr-3538	513	9	st	st	PROPN
fsr-3538	513	10	ru	ru	PROPN
fsr-3538	513	11	ct	ct	PROPN
fsr-3538	513	12	io	io	PROPN
fsr-3538	513	13	n	n	PROPN
fsr-3538	513	14	m	m	VERB
fsr-3538	513	15	et	et	NOUN
fsr-3538	513	16	h	h	NOUN
fsr-3538	513	17	o	o	PROPN
fsr-3538	514	1	d	d	X
fsr-3538	514	2	,	,	PUNCT
fsr-3538	514	3	an	an	DET
fsr-3538	514	4	d	d	NOUN
fsr-3538	514	5	0	0	NUM
fsr-3538	514	6	o	o	NOUN
fsr-3538	514	7	th	th	X
fsr-3538	514	8	er	er	INTJ
fsr-3538	514	9	w	w	PROPN
fsr-3538	514	10	is	be	AUX
fsr-3538	514	11	e.	e.	PROPN
fsr-3538	514	12	g	g	PROPN
fsr-3538	515	1	p	p	PROPN
fsr-3538	515	2	a	a	PRON
fsr-3538	515	3	is	be	AUX
fsr-3538	515	4	a	a	DET
fsr-3538	515	5	st	st	PROPN
fsr-3538	515	6	u	u	PROPN
fsr-3538	515	7	d	d	PROPN
fsr-3538	515	8	en	en	PROPN
fsr-3538	515	9	t	t	PROPN
fsr-3538	515	10	’	'	PUNCT
fsr-3538	515	11	s	s	PROPN
fsr-3538	515	12	g	g	PROPN
fsr-3538	515	13	ra	ra	PROPN
fsr-3538	516	1	d	d	PROPN
fsr-3538	516	2	e	e	X
fsr-3538	516	3	p	p	X
fsr-3538	516	4	o	o	PROPN
fsr-3538	516	5	in	in	ADP
fsr-3538	516	6	t	t	PROPN
fsr-3538	516	7	av	av	PROPN
fsr-3538	516	8	er	er	INTJ
fsr-3538	516	9	ag	ag	PROPN
fsr-3538	516	10	e.	e.	PROPN
fsr-3538	516	11	l	l	PROPN
fsr-3538	517	1	o	o	X
fsr-3538	517	2	g	g	NOUN
fsr-3538	517	3	(	(	PUNCT
fsr-3538	517	4	p	p	X
fsr-3538	517	5	o	o	X
fsr-3538	517	6	p	p	X
fsr-3538	517	7	u	u	X
fsr-3538	517	8	la	la	X
fsr-3538	517	9	ti	ti	NOUN
fsr-3538	517	10	o	o	NOUN
fsr-3538	517	11	n	n	PROPN
fsr-3538	517	12	)	)	PUNCT
fsr-3538	517	13	is	be	AUX
fsr-3538	517	14	th	th	X
fsr-3538	517	15	e	e	X
fsr-3538	517	16	lo	lo	NOUN
fsr-3538	518	1	g	g	NOUN
fsr-3538	518	2	o	o	X
fsr-3538	518	3	f	f	X
fsr-3538	518	4	th	th	X
fsr-3538	518	5	e	e	X
fsr-3538	518	6	p	p	NOUN
fsr-3538	518	7	o	o	X
fsr-3538	518	8	p	p	X
fsr-3538	518	9	u	u	X
fsr-3538	518	10	la	la	X
fsr-3538	518	11	ti	ti	NOUN
fsr-3538	518	12	o	o	NOUN
fsr-3538	518	13	n	n	NOUN
fsr-3538	518	14	in	in	ADP
fsr-3538	518	15	th	th	X
fsr-3538	518	16	e	e	X
fsr-3538	518	17	sc	sc	PROPN
fsr-3538	518	18	h	h	NOUN
fsr-3538	519	1	o	o	NOUN
fsr-3538	519	2	o	o	X
fsr-3538	520	1	l	l	PUNCT
fsr-3538	520	2	d	d	NOUN
fsr-3538	520	3	is	be	AUX
fsr-3538	520	4	tr	tr	VERB
fsr-3538	520	5	ic	ic	PROPN
fsr-3538	520	6	t.	t.	NOUN
fsr-3538	520	7	l	l	PROPN
fsr-3538	521	1	o	o	X
fsr-3538	521	2	g	g	NOUN
fsr-3538	521	3	(	(	PUNCT
fsr-3538	521	4	h	h	NOUN
fsr-3538	521	5	o	o	X
fsr-3538	521	6	u	u	X
fsr-3538	521	7	se	se	PROPN
fsr-3538	521	8	h	h	NOUN
fsr-3538	521	9	ol	ol	PROPN
fsr-3538	522	1	d	d	X
fsr-3538	522	2	_	_	PROPN
fsr-3538	522	3	in	in	ADP
fsr-3538	522	4	co	co	NOUN
fsr-3538	522	5	m	m	PROPN
fsr-3538	522	6	e	e	NOUN
fsr-3538	522	7	)	)	PUNCT
fsr-3538	522	8	is	be	AUX
fsr-3538	522	9	th	th	X
fsr-3538	522	10	e	e	NOUN
fsr-3538	522	11	lo	lo	NOUN
fsr-3538	522	12	g	g	NOUN
fsr-3538	522	13	o	o	X
fsr-3538	522	14	f	f	X
fsr-3538	522	15	th	th	X
fsr-3538	522	16	e	e	X
fsr-3538	522	17	m	m	PROPN
fsr-3538	522	18	ed	ed	PROPN
fsr-3538	522	19	ia	ia	PROPN
fsr-3538	523	1	n	n	ADV
fsr-3538	523	2	h	h	NOUN
fsr-3538	524	1	o	o	X
fsr-3538	524	2	u	u	X
fsr-3538	524	3	se	se	PROPN
fsr-3538	524	4	h	h	PROPN
fsr-3538	524	5	o	o	PROPN
fsr-3538	524	6	ld	ld	PROPN
fsr-3538	524	7	in	in	ADP
fsr-3538	524	8	co	co	NOUN
fsr-3538	524	9	m	m	PROPN
fsr-3538	524	10	e	e	NOUN
fsr-3538	524	11	in	in	ADP
fsr-3538	524	12	th	th	NUM
fsr-3538	524	13	e	e	X
fsr-3538	524	14	sc	sc	PROPN
fsr-3538	524	15	h	h	NOUN
fsr-3538	525	1	o	o	NOUN
fsr-3538	525	2	o	o	X
fsr-3538	526	1	l	l	PUNCT
fsr-3538	526	2	d	d	NOUN
fsr-3538	526	3	is	be	AUX
fsr-3538	526	4	tr	tr	VERB
fsr-3538	526	5	ic	ic	PROPN
fsr-3538	526	6	t.	t.	NOUN
fsr-3538	526	7	p	p	NOUN
fsr-3538	527	1	o	o	X
fsr-3538	527	2	v	v	INTJ
fsr-3538	527	3	er	er	INTJ
fsr-3538	527	4	ty	ty	INTJ
fsr-3538	527	5	is	be	AUX
fsr-3538	527	6	th	th	X
fsr-3538	527	7	e	e	NOUN
fsr-3538	527	8	p	p	X
fsr-3538	527	9	o	o	X
fsr-3538	527	10	v	v	INTJ
fsr-3538	527	11	er	er	INTJ
fsr-3538	527	12	ty	ty	INTJ
fsr-3538	527	13	ra	ra	INTJ
fsr-3538	527	14	te	te	INTJ
fsr-3538	527	15	in	in	ADP
fsr-3538	527	16	th	th	X
fsr-3538	527	17	e	e	X
fsr-3538	527	18	sc	sc	PROPN
fsr-3538	528	1	h	h	NOUN
fsr-3538	529	1	o	o	NOUN
fsr-3538	529	2	o	o	X
fsr-3538	530	1	l	l	PUNCT
fsr-3538	530	2	d	d	NOUN
fsr-3538	530	3	is	be	AUX
fsr-3538	530	4	tr	tr	VERB
fsr-3538	530	5	ic	ic	PROPN
fsr-3538	530	6	t.	t.	NOUN
fsr-3538	530	7	p	p	PROPN
fsr-3538	531	1	ct	ct	NUM
fsr-3538	531	2	_	_	PUNCT
fsr-3538	532	1	c	c	NOUN
fsr-3538	532	2	o	o	X
fsr-3538	532	3	ll	ll	NOUN
fsr-3538	532	4	eg	eg	PROPN
fsr-3538	532	5	e	e	PROPN
fsr-3538	532	6	is	be	AUX
fsr-3538	532	7	th	th	X
fsr-3538	532	8	e	e	X
fsr-3538	532	9	p	p	X
fsr-3538	532	10	er	er	INTJ
fsr-3538	532	11	ce	ce	PROPN
fsr-3538	532	12	n	n	ADV
fsr-3538	532	13	ta	ta	X
fsr-3538	533	1	ge	ge	PROPN
fsr-3538	533	2	o	o	PROPN
fsr-3538	533	3	f	f	PROPN
fsr-3538	533	4	st	st	PROPN
fsr-3538	533	5	u	u	PROPN
fsr-3538	533	6	d	d	PROPN
fsr-3538	533	7	en	en	X
fsr-3538	533	8	ts	ts	X
fsr-3538	534	1	w	w	PROPN
fsr-3538	534	2	it	it	PRON
fsr-3538	535	1	h	h	NOUN
fsr-3538	536	1	p	p	X
fsr-3538	536	2	ar	ar	PROPN
fsr-3538	536	3	en	en	X
fsr-3538	536	4	ts	ts	PROPN
fsr-3538	536	5	/g	/g	PUNCT
fsr-3538	536	6	ua	ua	PROPN
fsr-3538	536	7	rd	rd	PROPN
fsr-3538	536	8	ia	ia	PROPN
fsr-3538	536	9	n	n	PROPN
fsr-3538	536	10	s	s	PROPN
fsr-3538	536	11	w	w	NOUN
fsr-3538	536	12	h	h	NOUN
fsr-3538	537	1	o	o	NOUN
fsr-3538	537	2	h	h	NOUN
fsr-3538	537	3	av	av	PROPN
fsr-3538	537	4	e	e	NOUN
fsr-3538	537	5	at	at	ADP
fsr-3538	537	6	ta	ta	PROPN
fsr-3538	537	7	in	in	ADP
fsr-3538	537	8	ed	ed	PROPN
fsr-3538	537	9	a	a	DET
fsr-3538	537	10	b	b	PROPN
fsr-3538	537	11	ac	ac	PROPN
fsr-3538	538	1	h	h	PROPN
fsr-3538	538	2	el	el	PROPN
fsr-3538	538	3	o	o	PROPN
fsr-3538	539	1	r	r	X
fsr-3538	539	2	’	'	PUNCT
fsr-3538	539	3	s	s	NOUN
fsr-3538	539	4	d	d	X
fsr-3538	539	5	eg	eg	NOUN
fsr-3538	539	6	re	re	ADP
fsr-3538	539	7	e	e	NOUN
fsr-3538	539	8	o	o	NOUN
fsr-3538	539	9	r	r	NOUN
fsr-3538	539	10	h	h	NOUN
fsr-3538	539	11	ig	ig	INTJ
fsr-3538	539	12	h	h	INTJ
fsr-3538	539	13	er	er	INTJ
fsr-3538	539	14	.	.	PUNCT
fsr-3538	540	1	*	*	PUNCT
fsr-3538	541	1	*	*	PUNCT
fsr-3538	541	2	*	*	PUNCT
fsr-3538	541	3	,	,	PUNCT
fsr-3538	541	4	*	*	PUNCT
fsr-3538	541	5	*	*	PUNCT
fsr-3538	541	6	,	,	PUNCT
fsr-3538	541	7	*	*	PUNCT
fsr-3538	541	8	in	in	ADP
fsr-3538	541	9	d	d	X
fsr-3538	541	10	ic	ic	PROPN
fsr-3538	541	11	at	at	ADP
fsr-3538	541	12	e	e	PROPN
fsr-3538	541	13	st	st	PROPN
fsr-3538	541	14	at	at	ADP
fsr-3538	541	15	is	be	AUX
fsr-3538	541	16	ti	ti	NOUN
fsr-3538	541	17	ca	ca	NOUN
fsr-3538	541	18	l	l	NOUN
fsr-3538	541	19	si	si	PROPN
fsr-3538	542	1	g	g	PROPN
fsr-3538	542	2	n	n	PROPN
fsr-3538	542	3	ifi	ifi	PROPN
fsr-3538	542	4	ca	ca	PROPN
fsr-3538	542	5	n	n	ADV
fsr-3538	542	6	ce	ce	PROPN
fsr-3538	542	7	at	at	ADP
fsr-3538	542	8	0	0	NUM
fsr-3538	542	9	.0	.0	NUM
fsr-3538	542	10	1	1	NUM
fsr-3538	542	11	,	,	PUNCT
fsr-3538	542	12	0	0	NUM
fsr-3538	542	13	.0	.0	NUM
fsr-3538	542	14	5	5	NUM
fsr-3538	542	15	an	an	DET
fsr-3538	542	16	d	d	PROPN
fsr-3538	542	17	0	0	NUM
fsr-3538	542	18	.1	.1	NUM
fsr-3538	542	19	0	0	NUM
fsr-3538	542	20	le	le	PROPN
fsr-3538	542	21	v	v	PROPN
fsr-3538	542	22	el	el	PROPN
fsr-3538	542	23	,	,	PUNCT
fsr-3538	542	24	re	re	VERB
fsr-3538	542	25	sp	sp	ADP
fsr-3538	542	26	ec	ec	PROPN
fsr-3538	542	27	ti	ti	PROPN
fsr-3538	542	28	v	v	PROPN
fsr-3538	542	29	el	el	PROPN
fsr-3538	542	30	y	y	PROPN
fsr-3538	542	31	.	.	PUNCT
fsr-3538	543	1	186	186	NUM
fsr-3538	543	2	g.	g.	NOUN
fsr-3538	543	3	filbeck	filbeck	NOUN
fsr-3538	543	4	and	and	CCONJ
fsr-3538	543	5	x.	x.	NOUN
fsr-3538	543	6	zhao	zhao	PROPN
fsr-3538	543	7	/	/	SYM
fsr-3538	543	8	financial	financial	ADJ
fsr-3538	543	9	services	service	NOUN
fsr-3538	543	10	review	review	VERB
fsr-3538	543	11	31	31	NUM
fsr-3538	543	12	(	(	PUNCT
fsr-3538	543	13	2023	2023	NUM
fsr-3538	543	14	)	)	PUNCT
fsr-3538	543	15	169–196	169–196	NUM
fsr-3538	543	16	financial	financial	ADJ
fsr-3538	543	17	literacy	literacy	NOUN
fsr-3538	543	18	improvement	improvement	NOUN
fsr-3538	543	19	is	be	AUX
fsr-3538	543	20	measured	measure	VERB
fsr-3538	543	21	in	in	ADP
fsr-3538	543	22	four	four	NUM
fsr-3538	543	23	areas	area	NOUN
fsr-3538	543	24	:	:	PUNCT
fsr-3538	543	25	subjective	subjective	ADJ
fsr-3538	543	26	financial	financial	ADJ
fsr-3538	543	27	knowledge	knowledge	NOUN
fsr-3538	543	28	,	,	PUNCT
fsr-3538	543	29	financial	financial	ADJ
fsr-3538	543	30	behavior	behavior	NOUN
fsr-3538	543	31	,	,	PUNCT
fsr-3538	543	32	objective	objective	ADJ
fsr-3538	543	33	financial	financial	ADJ
fsr-3538	543	34	knowledge	knowledge	NOUN
fsr-3538	543	35	,	,	PUNCT
fsr-3538	543	36	and	and	CCONJ
fsr-3538	543	37	self	self	NOUN
fsr-3538	543	38	-	-	PUNCT
fsr-3538	543	39	esteem	esteem	NOUN
fsr-3538	543	40	.	.	PUNCT
fsr-3538	544	1	the	the	DET
fsr-3538	544	2	pre	pre	ADJ
fsr-3538	544	3	-	-	ADJ
fsr-3538	544	4	survey	survey	ADJ
fsr-3538	544	5	results	result	NOUN
fsr-3538	544	6	taken	take	VERB
fsr-3538	544	7	by	by	ADP
fsr-3538	544	8	students	student	NOUN
fsr-3538	544	9	before	before	ADP
fsr-3538	544	10	beginning	begin	VERB
fsr-3538	544	11	the	the	DET
fsr-3538	544	12	financial	financial	ADJ
fsr-3538	544	13	education	education	NOUN
fsr-3538	544	14	program	program	NOUN
fsr-3538	544	15	are	be	AUX
fsr-3538	544	16	initially	initially	ADV
fsr-3538	544	17	analyzed	analyze	VERB
fsr-3538	544	18	using	use	VERB
fsr-3538	544	19	a	a	DET
fsr-3538	544	20	t	t	NOUN
fsr-3538	544	21	-	-	PUNCT
fsr-3538	544	22	test	test	NOUN
fsr-3538	544	23	.	.	PUNCT
fsr-3538	545	1	overall	overall	ADV
fsr-3538	545	2	,	,	PUNCT
fsr-3538	545	3	the	the	DET
fsr-3538	545	4	results	result	NOUN
fsr-3538	545	5	show	show	VERB
fsr-3538	545	6	no	no	DET
fsr-3538	545	7	statistical	statistical	ADJ
fsr-3538	545	8	difference	difference	NOUN
fsr-3538	545	9	in	in	ADP
fsr-3538	545	10	presurvey	presurvey	NOUN
fsr-3538	545	11	financial	financial	ADJ
fsr-3538	545	12	subjective	subjective	ADJ
fsr-3538	545	13	knowledge	knowledge	NOUN
fsr-3538	545	14	between	between	ADP
fsr-3538	545	15	the	the	DET
fsr-3538	545	16	two	two	NUM
fsr-3538	545	17	subperiods	subperiod	NOUN
fsr-3538	545	18	based	base	VERB
fsr-3538	545	19	on	on	ADP
fsr-3538	545	20	modality	modality	NOUN
fsr-3538	545	21	.	.	PUNCT
fsr-3538	546	1	virtually	virtually	ADV
fsr-3538	546	2	/	/	SYM
fsr-3538	546	3	hybrid	hybrid	ADJ
fsr-3538	546	4	trained	train	VERB
fsr-3538	546	5	students	student	NOUN
fsr-3538	546	6	scored	score	VERB
fsr-3538	546	7	higher	higher	ADV
fsr-3538	546	8	in	in	ADP
fsr-3538	546	9	financial	financial	ADJ
fsr-3538	546	10	behavior	behavior	NOUN
fsr-3538	546	11	,	,	PUNCT
fsr-3538	546	12	correctness	correctness	NOUN
fsr-3538	546	13	,	,	PUNCT
fsr-3538	546	14	and	and	CCONJ
fsr-3538	546	15	selfesteem	selfesteem	NOUN
fsr-3538	546	16	.	.	PUNCT
fsr-3538	547	1	however	however	ADV
fsr-3538	547	2	,	,	PUNCT
fsr-3538	547	3	female	female	ADJ
fsr-3538	547	4	students	student	NOUN
fsr-3538	547	5	scored	score	VERB
fsr-3538	547	6	lower	lower	ADV
fsr-3538	547	7	on	on	ADP
fsr-3538	547	8	subjective	subjective	ADJ
fsr-3538	547	9	and	and	CCONJ
fsr-3538	547	10	objective	objective	ADJ
fsr-3538	547	11	financial	financial	ADJ
fsr-3538	547	12	questions	question	NOUN
fsr-3538	547	13	and	and	CCONJ
fsr-3538	547	14	exhibited	exhibit	VERB
fsr-3538	547	15	lower	low	ADJ
fsr-3538	547	16	self	self	NOUN
fsr-3538	547	17	-	-	PUNCT
fsr-3538	547	18	esteem	esteem	NOUN
fsr-3538	547	19	regarding	regard	VERB
fsr-3538	547	20	objective	objective	ADJ
fsr-3538	547	21	financial	financial	ADJ
fsr-3538	547	22	knowledge	knowledge	NOUN
fsr-3538	547	23	.	.	PUNCT
fsr-3538	548	1	the	the	DET
fsr-3538	548	2	only	only	ADJ
fsr-3538	548	3	area	area	NOUN
fsr-3538	548	4	in	in	ADP
fsr-3538	548	5	which	which	PRON
fsr-3538	548	6	females	female	NOUN
fsr-3538	548	7	did	do	AUX
fsr-3538	548	8	not	not	PART
fsr-3538	548	9	underperform	underperform	VERB
fsr-3538	548	10	males	male	NOUN
fsr-3538	548	11	in	in	ADP
fsr-3538	548	12	the	the	DET
fsr-3538	548	13	pre	pre	NOUN
fsr-3538	548	14	-	-	NOUN
fsr-3538	548	15	survey	survey	NOUN
fsr-3538	548	16	was	be	AUX
fsr-3538	548	17	financial	financial	ADJ
fsr-3538	548	18	behavior	behavior	NOUN
fsr-3538	548	19	.	.	PUNCT
fsr-3538	549	1	to	to	PART
fsr-3538	549	2	test	test	VERB
fsr-3538	549	3	the	the	DET
fsr-3538	549	4	effectiveness	effectiveness	NOUN
fsr-3538	549	5	of	of	ADP
fsr-3538	549	6	financial	financial	ADJ
fsr-3538	549	7	literacy	literacy	NOUN
fsr-3538	549	8	programs	program	NOUN
fsr-3538	549	9	,	,	PUNCT
fsr-3538	549	10	a	a	DET
fsr-3538	549	11	t	t	NOUN
fsr-3538	549	12	-	-	PUNCT
fsr-3538	549	13	test	test	NOUN
fsr-3538	549	14	was	be	AUX
fsr-3538	549	15	implemented	implement	VERB
fsr-3538	549	16	between	between	ADP
fsr-3538	549	17	the	the	DET
fsr-3538	549	18	preand	preand	NOUN
fsr-3538	549	19	post	post	ADJ
fsr-3538	549	20	-	-	ADJ
fsr-3538	549	21	survey	survey	ADJ
fsr-3538	549	22	results	result	NOUN
fsr-3538	549	23	taken	take	VERB
fsr-3538	549	24	after	after	ADP
fsr-3538	549	25	completion	completion	NOUN
fsr-3538	549	26	of	of	ADP
fsr-3538	549	27	the	the	DET
fsr-3538	549	28	course	course	NOUN
fsr-3538	549	29	.	.	PUNCT
fsr-3538	550	1	the	the	DET
fsr-3538	550	2	t	t	NOUN
fsr-3538	550	3	-	-	PUNCT
fsr-3538	550	4	test	test	NOUN
fsr-3538	550	5	analyzes	analyze	VERB
fsr-3538	550	6	the	the	DET
fsr-3538	550	7	four	four	NUM
fsr-3538	550	8	major	major	ADJ
fsr-3538	550	9	topic	topic	NOUN
fsr-3538	550	10	areas	area	NOUN
fsr-3538	550	11	listed	list	VERB
fsr-3538	550	12	above	above	ADV
fsr-3538	550	13	.	.	PUNCT
fsr-3538	551	1	overall	overall	ADJ
fsr-3538	551	2	,	,	PUNCT
fsr-3538	551	3	male	male	ADJ
fsr-3538	551	4	and	and	CCONJ
fsr-3538	551	5	female	female	ADJ
fsr-3538	551	6	students	student	NOUN
fsr-3538	551	7	experienced	experience	VERB
fsr-3538	551	8	a	a	DET
fsr-3538	551	9	statistically	statistically	ADV
fsr-3538	551	10	significant	significant	ADJ
fsr-3538	551	11	increase	increase	NOUN
fsr-3538	551	12	in	in	ADP
fsr-3538	551	13	all	all	DET
fsr-3538	551	14	four	four	NUM
fsr-3538	551	15	topics	topic	NOUN
fsr-3538	551	16	.	.	PUNCT
fsr-3538	552	1	interestingly	interestingly	ADV
fsr-3538	552	2	,	,	PUNCT
fsr-3538	552	3	the	the	DET
fsr-3538	552	4	one	one	NUM
fsr-3538	552	5	area	area	NOUN
fsr-3538	552	6	in	in	ADP
fsr-3538	552	7	which	which	PRON
fsr-3538	552	8	no	no	DET
fsr-3538	552	9	differences	difference	NOUN
fsr-3538	552	10	occurred	occur	VERB
fsr-3538	552	11	was	be	AUX
fsr-3538	552	12	whether	whether	SCONJ
fsr-3538	552	13	students	student	NOUN
fsr-3538	552	14	have	have	VERB
fsr-3538	552	15	a	a	DET
fsr-3538	552	16	checking	checking	NOUN
fsr-3538	552	17	account	account	NOUN
fsr-3538	552	18	.	.	PUNCT
fsr-3538	553	1	given	give	VERB
fsr-3538	553	2	the	the	DET
fsr-3538	553	3	reduction	reduction	NOUN
fsr-3538	553	4	in	in	ADP
fsr-3538	553	5	in	in	ADP
fsr-3538	553	6	-	-	PUNCT
fsr-3538	553	7	person	person	NOUN
fsr-3538	553	8	banking	banking	NOUN
fsr-3538	553	9	during	during	ADP
fsr-3538	553	10	the	the	DET
fsr-3538	553	11	pandemic	pandemic	NOUN
fsr-3538	553	12	,	,	PUNCT
fsr-3538	553	13	this	this	DET
fsr-3538	553	14	finding	finding	NOUN
fsr-3538	553	15	is	be	AUX
fsr-3538	553	16	not	not	PART
fsr-3538	553	17	surprising	surprising	ADJ
fsr-3538	553	18	.	.	PUNCT
fsr-3538	554	1	with	with	SCONJ
fsr-3538	554	2	the	the	DET
fsr-3538	554	3	four	four	NUM
fsr-3538	554	4	areas	area	NOUN
fsr-3538	554	5	studied	study	VERB
fsr-3538	554	6	,	,	PUNCT
fsr-3538	554	7	subjective	subjective	ADJ
fsr-3538	554	8	financial	financial	ADJ
fsr-3538	554	9	knowledge	knowledge	NOUN
fsr-3538	554	10	gains	gain	NOUN
fsr-3538	554	11	center	center	NOUN
fsr-3538	554	12	on	on	ADP
fsr-3538	554	13	retirement	retirement	NOUN
fsr-3538	554	14	planning	planning	NOUN
fsr-3538	554	15	.	.	PUNCT
fsr-3538	555	1	similarly	similarly	ADV
fsr-3538	555	2	,	,	PUNCT
fsr-3538	555	3	the	the	DET
fsr-3538	555	4	greatest	great	ADJ
fsr-3538	555	5	gains	gain	NOUN
fsr-3538	555	6	in	in	ADP
fsr-3538	555	7	financial	financial	ADJ
fsr-3538	555	8	behavioral	behavioral	ADJ
fsr-3538	555	9	questions	question	NOUN
fsr-3538	555	10	are	be	AUX
fsr-3538	555	11	tied	tie	VERB
fsr-3538	555	12	to	to	ADP
fsr-3538	555	13	the	the	DET
fsr-3538	555	14	importance	importance	NOUN
fsr-3538	555	15	of	of	ADP
fsr-3538	555	16	contributing	contribute	VERB
fsr-3538	555	17	to	to	ADP
fsr-3538	555	18	a	a	DET
fsr-3538	555	19	retirement	retirement	NOUN
fsr-3538	555	20	plan	plan	NOUN
fsr-3538	555	21	.	.	PUNCT
fsr-3538	556	1	objective	objective	ADJ
fsr-3538	556	2	knowledge	knowledge	NOUN
fsr-3538	556	3	improvements	improvement	NOUN
fsr-3538	556	4	and	and	CCONJ
fsr-3538	556	5	self	self	NOUN
fsr-3538	556	6	-	-	PUNCT
fsr-3538	556	7	esteem	esteem	NOUN
fsr-3538	556	8	improvements	improvement	NOUN
fsr-3538	556	9	occur	occur	VERB
fsr-3538	556	10	most	most	ADJ
fsr-3538	556	11	credit	credit	NOUN
fsr-3538	556	12	and	and	CCONJ
fsr-3538	556	13	inflation	inflation	NOUN
fsr-3538	556	14	.	.	PUNCT
fsr-3538	557	1	while	while	SCONJ
fsr-3538	557	2	statistically	statistically	ADV
fsr-3538	557	3	,	,	PUNCT
fsr-3538	557	4	significant	significant	ADJ
fsr-3538	557	5	improvement	improvement	NOUN
fsr-3538	557	6	occurred	occur	VERB
fsr-3538	557	7	for	for	ADP
fsr-3538	557	8	both	both	DET
fsr-3538	557	9	genders	gender	NOUN
fsr-3538	557	10	,	,	PUNCT
fsr-3538	557	11	female	female	ADJ
fsr-3538	557	12	students	student	NOUN
fsr-3538	557	13	experience	experience	VERB
fsr-3538	557	14	a	a	DET
fsr-3538	557	15	greater	great	ADJ
fsr-3538	557	16	improvement	improvement	NOUN
fsr-3538	557	17	in	in	ADP
fsr-3538	557	18	financial	financial	ADJ
fsr-3538	557	19	behavior	behavior	NOUN
fsr-3538	557	20	,	,	PUNCT
fsr-3538	557	21	objective	objective	ADJ
fsr-3538	557	22	knowledge	knowledge	NOUN
fsr-3538	557	23	,	,	PUNCT
fsr-3538	557	24	and	and	CCONJ
fsr-3538	557	25	self	self	NOUN
fsr-3538	557	26	-	-	PUNCT
fsr-3538	557	27	esteem	esteem	NOUN
fsr-3538	557	28	than	than	ADP
fsr-3538	557	29	male	male	ADJ
fsr-3538	557	30	peers	peer	NOUN
fsr-3538	557	31	.	.	PUNCT
fsr-3538	558	1	modality	modality	NOUN
fsr-3538	558	2	does	do	AUX
fsr-3538	558	3	not	not	PART
fsr-3538	558	4	appear	appear	VERB
fsr-3538	558	5	to	to	PART
fsr-3538	558	6	impact	impact	VERB
fsr-3538	558	7	the	the	DET
fsr-3538	558	8	effectiveness	effectiveness	NOUN
fsr-3538	558	9	of	of	ADP
fsr-3538	558	10	the	the	DET
fsr-3538	558	11	financial	financial	ADJ
fsr-3538	558	12	literacy	literacy	NOUN
fsr-3538	558	13	programs	program	NOUN
fsr-3538	558	14	as	as	ADP
fsr-3538	558	15	all	all	DET
fsr-3538	558	16	areas	area	NOUN
fsr-3538	558	17	of	of	ADP
fsr-3538	558	18	financial	financial	ADJ
fsr-3538	558	19	literacy	literacy	NOUN
fsr-3538	558	20	and	and	CCONJ
fsr-3538	558	21	in	in	ADP
fsr-3538	558	22	both	both	DET
fsr-3538	558	23	modalities	modality	NOUN
fsr-3538	558	24	show	show	VERB
fsr-3538	558	25	that	that	SCONJ
fsr-3538	558	26	students	student	NOUN
fsr-3538	558	27	have	have	VERB
fsr-3538	558	28	significant	significant	ADJ
fsr-3538	558	29	improvements	improvement	NOUN
fsr-3538	558	30	.	.	PUNCT
fsr-3538	559	1	thus	thus	ADV
fsr-3538	559	2	,	,	PUNCT
fsr-3538	559	3	online	online	ADJ
fsr-3538	559	4	learning	learning	NOUN
fsr-3538	559	5	is	be	AUX
fsr-3538	559	6	an	an	DET
fsr-3538	559	7	effective	effective	ADJ
fsr-3538	559	8	tool	tool	NOUN
fsr-3538	559	9	for	for	ADP
fsr-3538	559	10	increasing	increase	VERB
fsr-3538	559	11	financial	financial	ADJ
fsr-3538	559	12	literacy	literacy	NOUN
fsr-3538	559	13	among	among	ADP
fsr-3538	559	14	high	high	ADJ
fsr-3538	559	15	school	school	NOUN
fsr-3538	559	16	students	student	NOUN
fsr-3538	559	17	.	.	PUNCT
fsr-3538	560	1	students	student	NOUN
fsr-3538	560	2	in	in	ADP
fsr-3538	560	3	school	school	NOUN
fsr-3538	560	4	districts	district	NOUN
fsr-3538	560	5	with	with	ADP
fsr-3538	560	6	smaller	small	ADJ
fsr-3538	560	7	populations	population	NOUN
fsr-3538	560	8	and	and	CCONJ
fsr-3538	560	9	a	a	DET
fsr-3538	560	10	higher	high	ADJ
fsr-3538	560	11	percentage	percentage	NOUN
fsr-3538	560	12	of	of	ADP
fsr-3538	560	13	parents	parent	NOUN
fsr-3538	560	14	holding	hold	VERB
fsr-3538	560	15	bachelor	bachelor	NOUN
fsr-3538	560	16	’s	’s	PART
fsr-3538	560	17	degrees	degree	NOUN
fsr-3538	560	18	experience	experience	VERB
fsr-3538	560	19	a	a	DET
fsr-3538	560	20	statistically	statistically	ADV
fsr-3538	560	21	significant	significant	ADJ
fsr-3538	560	22	gain	gain	NOUN
fsr-3538	560	23	in	in	ADP
fsr-3538	560	24	financial	financial	ADJ
fsr-3538	560	25	behavior	behavior	NOUN
fsr-3538	560	26	.	.	PUNCT
fsr-3538	561	1	results	result	NOUN
fsr-3538	561	2	should	should	AUX
fsr-3538	561	3	be	be	AUX
fsr-3538	561	4	interpreted	interpret	VERB
fsr-3538	561	5	with	with	ADP
fsr-3538	561	6	some	some	DET
fsr-3538	561	7	caution	caution	NOUN
fsr-3538	561	8	as	as	SCONJ
fsr-3538	561	9	schools	school	NOUN
fsr-3538	561	10	not	not	PART
fsr-3538	561	11	participating	participate	VERB
fsr-3538	561	12	in	in	ADP
fsr-3538	561	13	the	the	DET
fsr-3538	561	14	financial	financial	ADJ
fsr-3538	561	15	literacy	literacy	NOUN
fsr-3538	561	16	program	program	NOUN
fsr-3538	561	17	during	during	ADP
fsr-3538	561	18	the	the	DET
fsr-3538	561	19	pandemic	pandemic	NOUN
fsr-3538	561	20	may	may	AUX
fsr-3538	561	21	have	have	AUX
fsr-3538	561	22	been	be	AUX
fsr-3538	561	23	in	in	ADP
fsr-3538	561	24	more	more	ADV
fsr-3538	561	25	socioeconomically	socioeconomically	ADV
fsr-3538	561	26	challenged	challenge	VERB
fsr-3538	561	27	areas	area	NOUN
fsr-3538	561	28	than	than	ADP
fsr-3538	561	29	in	in	ADP
fsr-3538	561	30	more	more	ADJ
fsr-3538	561	31	urban	urban	ADJ
fsr-3538	561	32	areas	area	NOUN
fsr-3538	561	33	.	.	PUNCT
fsr-3538	562	1	based	base	VERB
fsr-3538	562	2	on	on	ADP
fsr-3538	562	3	the	the	DET
fsr-3538	562	4	analysis	analysis	NOUN
fsr-3538	562	5	extracted	extract	VERB
fsr-3538	562	6	from	from	ADP
fsr-3538	562	7	the	the	DET
fsr-3538	562	8	surveys	survey	NOUN
fsr-3538	562	9	,	,	PUNCT
fsr-3538	562	10	statistically	statistically	ADV
fsr-3538	562	11	,	,	PUNCT
fsr-3538	562	12	significant	significant	ADJ
fsr-3538	562	13	improvements	improvement	NOUN
fsr-3538	562	14	in	in	ADP
fsr-3538	562	15	subjective	subjective	ADJ
fsr-3538	562	16	financial	financial	ADJ
fsr-3538	562	17	knowledge	knowledge	NOUN
fsr-3538	562	18	,	,	PUNCT
fsr-3538	562	19	financial	financial	ADJ
fsr-3538	562	20	behavior	behavior	NOUN
fsr-3538	562	21	,	,	PUNCT
fsr-3538	562	22	objective	objective	ADJ
fsr-3538	562	23	financial	financial	ADJ
fsr-3538	562	24	knowledge	knowledge	NOUN
fsr-3538	562	25	,	,	PUNCT
fsr-3538	562	26	and	and	CCONJ
fsr-3538	562	27	financial	financial	ADJ
fsr-3538	562	28	self	self	NOUN
fsr-3538	562	29	-	-	PUNCT
fsr-3538	562	30	esteem	esteem	NOUN
fsr-3538	562	31	lead	lead	VERB
fsr-3538	562	32	us	we	PRON
fsr-3538	562	33	to	to	PART
fsr-3538	562	34	conclude	conclude	VERB
fsr-3538	562	35	that	that	SCONJ
fsr-3538	562	36	the	the	DET
fsr-3538	562	37	cfa	cfa	PROPN
fsr-3538	562	38	society	society	PROPN
fsr-3538	562	39	pittsburgh	pittsburgh	PROPN
fsr-3538	562	40	financial	financial	ADJ
fsr-3538	562	41	literacy	literacy	NOUN
fsr-3538	562	42	program	program	NOUN
fsr-3538	562	43	successfully	successfully	ADV
fsr-3538	562	44	increases	increase	VERB
fsr-3538	562	45	students	student	NOUN
fsr-3538	562	46	’	'	PUNCT
fsr-3538	562	47	chances	chance	NOUN
fsr-3538	562	48	of	of	ADP
fsr-3538	562	49	financial	financial	ADJ
fsr-3538	562	50	success	success	NOUN
fsr-3538	562	51	.	.	PUNCT
fsr-3538	563	1	the	the	DET
fsr-3538	563	2	analysis	analysis	NOUN
fsr-3538	563	3	affirms	affirm	VERB
fsr-3538	563	4	that	that	SCONJ
fsr-3538	563	5	one	one	NUM
fsr-3538	563	6	area	area	NOUN
fsr-3538	563	7	the	the	DET
fsr-3538	563	8	pandemic	pandemic	NOUN
fsr-3538	563	9	failed	fail	VERB
fsr-3538	563	10	to	to	PART
fsr-3538	563	11	impact	impact	VERB
fsr-3538	563	12	was	be	AUX
fsr-3538	563	13	the	the	DET
fsr-3538	563	14	effectiveness	effectiveness	NOUN
fsr-3538	563	15	of	of	ADP
fsr-3538	563	16	financial	financial	ADJ
fsr-3538	563	17	literacy	literacy	NOUN
fsr-3538	563	18	programs	program	NOUN
fsr-3538	563	19	as	as	SCONJ
fsr-3538	563	20	no	no	DET
fsr-3538	563	21	statistical	statistical	ADJ
fsr-3538	563	22	differences	difference	NOUN
fsr-3538	563	23	exist	exist	VERB
fsr-3538	563	24	between	between	ADP
fsr-3538	563	25	improvements	improvement	NOUN
fsr-3538	563	26	based	base	VERB
fsr-3538	563	27	on	on	ADP
fsr-3538	563	28	modality	modality	NOUN
fsr-3538	563	29	.	.	PUNCT
fsr-3538	564	1	these	these	DET
fsr-3538	564	2	findings	finding	NOUN
fsr-3538	564	3	add	add	VERB
fsr-3538	564	4	to	to	ADP
fsr-3538	564	5	the	the	DET
fsr-3538	564	6	existing	exist	VERB
fsr-3538	564	7	literature	literature	NOUN
fsr-3538	564	8	in	in	ADP
fsr-3538	564	9	financial	financial	ADJ
fsr-3538	564	10	literacy	literacy	NOUN
fsr-3538	564	11	,	,	PUNCT
fsr-3538	564	12	demonstrating	demonstrate	VERB
fsr-3538	564	13	that	that	SCONJ
fsr-3538	564	14	educational	educational	ADJ
fsr-3538	564	15	techniques	technique	NOUN
fsr-3538	564	16	including	include	VERB
fsr-3538	564	17	online	online	ADJ
fsr-3538	564	18	and	and	CCONJ
fsr-3538	564	19	hybrid	hybrid	ADJ
fsr-3538	564	20	learning	learning	NOUN
fsr-3538	564	21	,	,	PUNCT
fsr-3538	564	22	which	which	PRON
fsr-3538	564	23	were	be	AUX
fsr-3538	564	24	often	often	ADV
fsr-3538	564	25	required	require	VERB
fsr-3538	564	26	during	during	ADP
fsr-3538	564	27	the	the	DET
fsr-3538	564	28	covid-19	covid-19	PROPN
fsr-3538	564	29	pandemic	pandemic	NOUN
fsr-3538	564	30	,	,	PUNCT
fsr-3538	564	31	do	do	AUX
fsr-3538	564	32	not	not	PART
fsr-3538	564	33	diminish	diminish	VERB
fsr-3538	564	34	effectiveness	effectiveness	NOUN
fsr-3538	564	35	when	when	SCONJ
fsr-3538	564	36	used	use	VERB
fsr-3538	564	37	for	for	ADP
fsr-3538	564	38	financial	financial	ADJ
fsr-3538	564	39	literacy	literacy	NOUN
fsr-3538	564	40	programs	program	NOUN
fsr-3538	564	41	.	.	PUNCT
fsr-3538	565	1	based	base	VERB
fsr-3538	565	2	on	on	ADP
fsr-3538	565	3	these	these	DET
fsr-3538	565	4	findings	finding	NOUN
fsr-3538	565	5	,	,	PUNCT
fsr-3538	565	6	we	we	PRON
fsr-3538	565	7	argue	argue	VERB
fsr-3538	565	8	that	that	SCONJ
fsr-3538	565	9	school	school	NOUN
fsr-3538	565	10	districts	district	NOUN
fsr-3538	565	11	that	that	PRON
fsr-3538	565	12	currently	currently	ADV
fsr-3538	565	13	do	do	AUX
fsr-3538	565	14	not	not	PART
fsr-3538	565	15	require	require	VERB
fsr-3538	565	16	financial	financial	ADJ
fsr-3538	565	17	literacy	literacy	NOUN
fsr-3538	565	18	components	component	NOUN
fsr-3538	565	19	within	within	ADP
fsr-3538	565	20	their	their	PRON
fsr-3538	565	21	curriculum	curriculum	NOUN
fsr-3538	565	22	consider	consider	VERB
fsr-3538	565	23	making	make	VERB
fsr-3538	565	24	changes	change	NOUN
fsr-3538	565	25	based	base	VERB
fsr-3538	565	26	on	on	ADP
fsr-3538	565	27	the	the	DET
fsr-3538	565	28	societal	societal	ADJ
fsr-3538	565	29	ramifications	ramification	NOUN
fsr-3538	565	30	of	of	ADP
fsr-3538	565	31	such	such	ADJ
fsr-3538	565	32	deficiencies	deficiency	NOUN
fsr-3538	565	33	and	and	CCONJ
fsr-3538	565	34	the	the	DET
fsr-3538	565	35	significant	significant	ADJ
fsr-3538	565	36	improvements	improvement	NOUN
fsr-3538	565	37	associated	associate	VERB
fsr-3538	565	38	with	with	ADP
fsr-3538	565	39	successful	successful	ADJ
fsr-3538	565	40	financial	financial	ADJ
fsr-3538	565	41	literacy	literacy	NOUN
fsr-3538	565	42	programs	program	NOUN
fsr-3538	565	43	,	,	PUNCT
fsr-3538	565	44	such	such	ADJ
fsr-3538	565	45	as	as	ADP
fsr-3538	565	46	the	the	DET
fsr-3538	565	47	focus	focus	NOUN
fsr-3538	565	48	of	of	ADP
fsr-3538	565	49	our	our	PRON
fsr-3538	565	50	study	study	NOUN
fsr-3538	565	51	.	.	PUNCT
fsr-3538	566	1	g.	g.	PROPN
fsr-3538	566	2	filbeck	filbeck	PROPN
fsr-3538	566	3	and	and	CCONJ
fsr-3538	566	4	x.	x.	NOUN
fsr-3538	566	5	zhao	zhao	PROPN
fsr-3538	566	6	/	/	SYM
fsr-3538	566	7	financial	financial	ADJ
fsr-3538	566	8	services	service	NOUN
fsr-3538	566	9	review	review	VERB
fsr-3538	566	10	31	31	NUM
fsr-3538	566	11	(	(	PUNCT
fsr-3538	566	12	2023	2023	NUM
fsr-3538	566	13	)	)	PUNCT
fsr-3538	566	14	169–196	169–196	NUM
fsr-3538	566	15	187	187	NUM
fsr-3538	566	16	notes	note	NOUN
fsr-3538	566	17	1	1	NUM
fsr-3538	566	18	to	to	PART
fsr-3538	566	19	test	test	VERB
fsr-3538	566	20	whether	whether	SCONJ
fsr-3538	566	21	there	there	PRON
fsr-3538	566	22	are	be	VERB
fsr-3538	566	23	selection	selection	NOUN
fsr-3538	566	24	biases	bias	NOUN
fsr-3538	566	25	between	between	ADP
fsr-3538	566	26	students	student	NOUN
fsr-3538	566	27	who	who	PRON
fsr-3538	566	28	participated	participate	VERB
fsr-3538	566	29	in	in	ADP
fsr-3538	566	30	both	both	PRON
fsr-3538	566	31	preand	preand	VERB
fsr-3538	566	32	post	post	ADJ
fsr-3538	566	33	-	-	ADJ
fsr-3538	566	34	survey	survey	NOUN
fsr-3538	566	35	and	and	CCONJ
fsr-3538	566	36	students	student	NOUN
fsr-3538	566	37	who	who	PRON
fsr-3538	566	38	participated	participate	VERB
fsr-3538	566	39	only	only	ADV
fsr-3538	566	40	in	in	ADP
fsr-3538	566	41	pre	pre	ADJ
fsr-3538	566	42	-	-	NOUN
fsr-3538	566	43	survey	survey	NOUN
fsr-3538	566	44	,	,	PUNCT
fsr-3538	566	45	we	we	PRON
fsr-3538	566	46	run	run	VERB
fsr-3538	566	47	t	t	NOUN
fsr-3538	566	48	-	-	PUNCT
fsr-3538	566	49	test	test	NOUN
fsr-3538	566	50	on	on	ADP
fsr-3538	566	51	the	the	DET
fsr-3538	566	52	differences	difference	NOUN
fsr-3538	566	53	of	of	ADP
fsr-3538	566	54	students	student	NOUN
fsr-3538	566	55	’	'	PUNCT
fsr-3538	566	56	pre	pre	ADJ
fsr-3538	566	57	-	-	ADJ
fsr-3538	566	58	survey	survey	ADJ
fsr-3538	566	59	results	result	NOUN
fsr-3538	566	60	between	between	ADP
fsr-3538	566	61	students	student	NOUN
fsr-3538	566	62	who	who	PRON
fsr-3538	566	63	participated	participate	VERB
fsr-3538	566	64	in	in	ADP
fsr-3538	566	65	the	the	DET
fsr-3538	566	66	post	post	NOUN
fsr-3538	566	67	-	-	NOUN
fsr-3538	566	68	survey	survey	NOUN
fsr-3538	566	69	and	and	CCONJ
fsr-3538	566	70	students	student	NOUN
fsr-3538	566	71	who	who	PRON
fsr-3538	566	72	participated	participate	VERB
fsr-3538	566	73	in	in	ADP
fsr-3538	566	74	the	the	DET
fsr-3538	566	75	pre	pre	NOUN
fsr-3538	566	76	-	-	NOUN
fsr-3538	566	77	survey	survey	NOUN
fsr-3538	566	78	but	but	CCONJ
fsr-3538	566	79	not	not	PART
fsr-3538	566	80	post	post	NOUN
fsr-3538	566	81	-	-	NOUN
fsr-3538	566	82	survey	survey	NOUN
fsr-3538	566	83	.	.	PUNCT
fsr-3538	567	1	we	we	PRON
fsr-3538	567	2	find	find	VERB
fsr-3538	567	3	no	no	DET
fsr-3538	567	4	statistically	statistically	ADV
fsr-3538	567	5	significant	significant	ADJ
fsr-3538	567	6	differences	difference	NOUN
fsr-3538	567	7	in	in	ADP
fsr-3538	567	8	their	their	PRON
fsr-3538	567	9	financial	financial	ADJ
fsr-3538	567	10	behavior	behavior	NOUN
fsr-3538	567	11	,	,	PUNCT
fsr-3538	567	12	subjective	subjective	ADJ
fsr-3538	567	13	and	and	CCONJ
fsr-3538	567	14	objective	objective	ADJ
fsr-3538	567	15	financial	financial	ADJ
fsr-3538	567	16	knowledge	knowledge	NOUN
fsr-3538	567	17	,	,	PUNCT
fsr-3538	567	18	and	and	CCONJ
fsr-3538	567	19	self	self	NOUN
fsr-3538	567	20	-	-	PUNCT
fsr-3538	567	21	esteem	esteem	NOUN
fsr-3538	567	22	in	in	ADP
fsr-3538	567	23	the	the	DET
fsr-3538	567	24	pre	pre	NOUN
fsr-3538	567	25	-	-	ADJ
fsr-3538	567	26	survey	survey	ADJ
fsr-3538	567	27	results	result	NOUN
fsr-3538	567	28	between	between	ADP
fsr-3538	567	29	these	these	DET
fsr-3538	567	30	two	two	NUM
fsr-3538	567	31	groups	group	NOUN
fsr-3538	567	32	.	.	PUNCT
fsr-3538	568	1	the	the	DET
fsr-3538	568	2	results	result	NOUN
fsr-3538	568	3	are	be	AUX
fsr-3538	568	4	available	available	ADJ
fsr-3538	568	5	upon	upon	SCONJ
fsr-3538	568	6	request	request	NOUN
fsr-3538	568	7	.	.	PUNCT
fsr-3538	569	1	2	2	NUM
fsr-3538	569	2	we	we	PRON
fsr-3538	569	3	thank	thank	VERB
fsr-3538	569	4	an	an	DET
fsr-3538	569	5	anonymous	anonymous	ADJ
fsr-3538	569	6	referee	referee	NOUN
fsr-3538	569	7	for	for	ADP
fsr-3538	569	8	valuable	valuable	ADJ
fsr-3538	569	9	comments	comment	NOUN
fsr-3538	569	10	and	and	CCONJ
fsr-3538	569	11	suggestions	suggestion	NOUN
fsr-3538	569	12	on	on	ADP
fsr-3538	569	13	this	this	DET
fsr-3538	569	14	issue	issue	NOUN
fsr-3538	569	15	.	.	PUNCT
fsr-3538	570	1	appendix	appendix	VERB
fsr-3538	570	2	a	a	DET
fsr-3538	570	3	pre	pre	ADJ
fsr-3538	570	4	-	-	ADJ
fsr-3538	570	5	survey	survey	ADJ
fsr-3538	570	6	questions	question	NOUN
fsr-3538	570	7	class	class	NOUN
fsr-3538	570	8	code	code	NOUN
fsr-3538	570	9	:	:	PUNCT
fsr-3538	570	10	student	student	NOUN
fsr-3538	570	11	i	i	PROPN
fsr-3538	570	12	d	d	PROPN
fsr-3538	570	13	:	:	PUNCT
fsr-3538	570	14	gender	gender	NOUN
fsr-3538	570	15	:	:	PUNCT
fsr-3538	570	16	gpa	gpa	PROPN
fsr-3538	570	17	:	:	PUNCT
fsr-3538	570	18	grade	grade	NOUN
fsr-3538	570	19	:	:	PUNCT
fsr-3538	570	20	favorite	favorite	ADJ
fsr-3538	570	21	subject	subject	NOUN
fsr-3538	570	22	in	in	ADP
fsr-3538	570	23	school	school	NOUN
fsr-3538	570	24	:	:	PUNCT
fsr-3538	571	1	_	_	PUNCT
fsr-3538	572	1	_	_	PUNCT
fsr-3538	573	1	_	_	PUNCT
fsr-3538	574	1	_	_	PUNCT
fsr-3538	575	1	english	english	ADJ
fsr-3538	575	2	_	_	PUNCT
fsr-3538	576	1	_	_	PUNCT
fsr-3538	577	1	_	_	PUNCT
fsr-3538	578	1	_	_	PUNCT
fsr-3538	579	1	math	math	NOUN
fsr-3538	579	2	_	_	PUNCT
fsr-3538	580	1	_	_	PUNCT
fsr-3538	581	1	_	_	PUNCT
fsr-3538	582	1	_	_	PUNCT
fsr-3538	583	1	social	social	ADJ
fsr-3538	583	2	studies	study	NOUN
fsr-3538	583	3	_	_	PUNCT
fsr-3538	584	1	_	_	PUNCT
fsr-3538	585	1	_	_	PUNCT
fsr-3538	586	1	_	_	PUNCT
fsr-3538	587	1	science	science	NOUN
fsr-3538	587	2	questions	question	NOUN
fsr-3538	587	3	:	:	PUNCT
fsr-3538	588	1	1	1	X
fsr-3538	588	2	.	.	X
fsr-3538	588	3	i	i	PRON
fsr-3538	588	4	like	like	VERB
fsr-3538	588	5	to	to	PART
fsr-3538	588	6	save	save	VERB
fsr-3538	588	7	money	money	NOUN
fsr-3538	588	8	more	more	ADJ
fsr-3538	588	9	than	than	SCONJ
fsr-3538	588	10	i	i	PRON
fsr-3538	588	11	like	like	VERB
fsr-3538	588	12	to	to	PART
fsr-3538	588	13	spend	spend	VERB
fsr-3538	588	14	it	it	PRON
fsr-3538	588	15	.	.	PUNCT
fsr-3538	589	1	2	2	X
fsr-3538	589	2	.	.	X
fsr-3538	589	3	i	i	PRON
fsr-3538	589	4	understand	understand	VERB
fsr-3538	589	5	how	how	SCONJ
fsr-3538	589	6	to	to	PART
fsr-3538	589	7	establish	establish	VERB
fsr-3538	589	8	a	a	DET
fsr-3538	589	9	financial	financial	ADJ
fsr-3538	589	10	plan	plan	NOUN
fsr-3538	589	11	.	.	PUNCT
fsr-3538	590	1	3	3	X
fsr-3538	590	2	.	.	X
fsr-3538	591	1	i	i	PRON
fsr-3538	591	2	think	think	VERB
fsr-3538	591	3	financial	financial	ADJ
fsr-3538	591	4	literacy	literacy	NOUN
fsr-3538	591	5	is	be	AUX
fsr-3538	591	6	important	important	ADJ
fsr-3538	591	7	for	for	ADP
fsr-3538	591	8	my	my	PRON
fsr-3538	591	9	future	future	NOUN
fsr-3538	591	10	.	.	PUNCT
fsr-3538	592	1	4	4	X
fsr-3538	592	2	.	.	X
fsr-3538	592	3	i	i	PRON
fsr-3538	592	4	have	have	VERB
fsr-3538	592	5	a	a	DET
fsr-3538	592	6	checking	checking	NOUN
fsr-3538	592	7	and/or	and/or	CCONJ
fsr-3538	592	8	a	a	DET
fsr-3538	592	9	savings	saving	NOUN
fsr-3538	592	10	account	account	NOUN
fsr-3538	592	11	.	.	PUNCT
fsr-3538	593	1	5	5	X
fsr-3538	593	2	.	.	X
fsr-3538	593	3	i	i	PRON
fsr-3538	593	4	have	have	VERB
fsr-3538	593	5	conversations	conversation	NOUN
fsr-3538	593	6	with	with	ADP
fsr-3538	593	7	my	my	PRON
fsr-3538	593	8	parents	parent	NOUN
fsr-3538	593	9	regarding	regard	VERB
fsr-3538	593	10	personal	personal	ADJ
fsr-3538	593	11	finance	finance	NOUN
fsr-3538	593	12	.	.	PUNCT
fsr-3538	594	1	6	6	X
fsr-3538	594	2	.	.	X
fsr-3538	595	1	i	i	PRON
fsr-3538	595	2	understand	understand	VERB
fsr-3538	595	3	the	the	DET
fsr-3538	595	4	process	process	NOUN
fsr-3538	595	5	by	by	ADP
fsr-3538	595	6	which	which	PRON
fsr-3538	595	7	my	my	PRON
fsr-3538	595	8	parents	parent	NOUN
fsr-3538	595	9	/	/	SYM
fsr-3538	595	10	guardians	guardian	NOUN
fsr-3538	595	11	make	make	VERB
fsr-3538	595	12	financial	financial	ADJ
fsr-3538	595	13	decisions	decision	NOUN
fsr-3538	595	14	.	.	PUNCT
fsr-3538	596	1	7	7	X
fsr-3538	596	2	.	.	X
fsr-3538	597	1	i	i	PRON
fsr-3538	597	2	know	know	VERB
fsr-3538	597	3	how	how	SCONJ
fsr-3538	597	4	to	to	PART
fsr-3538	597	5	determine	determine	VERB
fsr-3538	597	6	the	the	DET
fsr-3538	597	7	appropriate	appropriate	ADJ
fsr-3538	597	8	total	total	ADJ
fsr-3538	597	9	costs	cost	NOUN
fsr-3538	597	10	associated	associate	VERB
fsr-3538	597	11	with	with	ADP
fsr-3538	597	12	the	the	DET
fsr-3538	597	13	colleges	college	NOUN
fsr-3538	597	14	/	/	SYM
fsr-3538	597	15	universities	university	NOUN
fsr-3538	597	16	i	i	PRON
fsr-3538	597	17	am	be	AUX
fsr-3538	597	18	interested	interested	ADJ
fsr-3538	597	19	in	in	ADP
fsr-3538	597	20	attending	attend	VERB
fsr-3538	597	21	.	.	PUNCT
fsr-3538	598	1	8	8	X
fsr-3538	598	2	.	.	X
fsr-3538	599	1	i	i	PRON
fsr-3538	599	2	understand	understand	VERB
fsr-3538	599	3	the	the	DET
fsr-3538	599	4	process	process	NOUN
fsr-3538	599	5	by	by	ADP
fsr-3538	599	6	which	which	PRON
fsr-3538	599	7	loan	loan	NOUN
fsr-3538	599	8	repayments	repayment	NOUN
fsr-3538	599	9	take	take	VERB
fsr-3538	599	10	place	place	NOUN
fsr-3538	599	11	including	include	VERB
fsr-3538	599	12	the	the	DET
fsr-3538	599	13	impact	impact	NOUN
fsr-3538	599	14	of	of	ADP
fsr-3538	599	15	interest	interest	NOUN
fsr-3538	599	16	,	,	PUNCT
fsr-3538	599	17	delinquency	delinquency	NOUN
fsr-3538	599	18	,	,	PUNCT
fsr-3538	599	19	and	and	CCONJ
fsr-3538	599	20	default	default	NOUN
fsr-3538	599	21	.	.	PUNCT
fsr-3538	600	1	9	9	X
fsr-3538	600	2	.	.	X
fsr-3538	601	1	i	i	PRON
fsr-3538	601	2	understand	understand	VERB
fsr-3538	601	3	the	the	DET
fsr-3538	601	4	process	process	NOUN
fsr-3538	601	5	by	by	ADP
fsr-3538	601	6	which	which	PRON
fsr-3538	601	7	credit	credit	NOUN
fsr-3538	601	8	card	card	NOUN
fsr-3538	601	9	charges	charge	NOUN
fsr-3538	601	10	and	and	CCONJ
fsr-3538	601	11	repayment	repayment	NOUN
fsr-3538	601	12	schedules	schedule	NOUN
fsr-3538	601	13	can	can	AUX
fsr-3538	601	14	impact	impact	VERB
fsr-3538	601	15	the	the	DET
fsr-3538	601	16	level	level	NOUN
fsr-3538	601	17	of	of	ADP
fsr-3538	601	18	financial	financial	ADJ
fsr-3538	601	19	debt	debt	NOUN
fsr-3538	601	20	levels	level	NOUN
fsr-3538	601	21	.	.	PUNCT
fsr-3538	602	1	10	10	NUM
fsr-3538	602	2	.	.	PUNCT
fsr-3538	603	1	when	when	SCONJ
fsr-3538	603	2	it	it	PRON
fsr-3538	603	3	comes	come	VERB
fsr-3538	603	4	to	to	ADP
fsr-3538	603	5	purchasing	purchase	VERB
fsr-3538	603	6	a	a	DET
fsr-3538	603	7	car	car	NOUN
fsr-3538	603	8	,	,	PUNCT
fsr-3538	603	9	i	i	PRON
fsr-3538	603	10	know	know	VERB
fsr-3538	603	11	how	how	SCONJ
fsr-3538	603	12	to	to	PART
fsr-3538	603	13	determine	determine	VERB
fsr-3538	603	14	how	how	SCONJ
fsr-3538	603	15	much	much	ADJ
fsr-3538	603	16	of	of	ADP
fsr-3538	603	17	a	a	DET
fsr-3538	603	18	car	car	NOUN
fsr-3538	603	19	i	i	PRON
fsr-3538	603	20	can	can	AUX
fsr-3538	603	21	afford	afford	VERB
fsr-3538	603	22	.	.	PUNCT
fsr-3538	604	1	11	11	NUM
fsr-3538	604	2	.	.	PUNCT
fsr-3538	605	1	i	i	PRON
fsr-3538	605	2	understand	understand	VERB
fsr-3538	605	3	how	how	SCONJ
fsr-3538	605	4	to	to	PART
fsr-3538	605	5	evaluate	evaluate	VERB
fsr-3538	605	6	the	the	DET
fsr-3538	605	7	cost	cost	NOUN
fsr-3538	605	8	-	-	PUNCT
fsr-3538	605	9	benefit	benefit	NOUN
fsr-3538	605	10	analysis	analysis	NOUN
fsr-3538	605	11	of	of	ADP
fsr-3538	605	12	training	training	NOUN
fsr-3538	605	13	for	for	ADP
fsr-3538	605	14	the	the	DET
fsr-3538	605	15	job	job	NOUN
fsr-3538	605	16	i	i	PRON
fsr-3538	605	17	would	would	AUX
fsr-3538	605	18	like	like	VERB
fsr-3538	605	19	to	to	PART
fsr-3538	605	20	perform	perform	VERB
fsr-3538	605	21	after	after	ADP
fsr-3538	605	22	completing	complete	VERB
fsr-3538	605	23	school	school	NOUN
fsr-3538	605	24	.	.	PUNCT
fsr-3538	606	1	12	12	NUM
fsr-3538	606	2	.	.	PUNCT
fsr-3538	607	1	i	i	PRON
fsr-3538	607	2	know	know	VERB
fsr-3538	607	3	what	what	PRON
fsr-3538	607	4	a	a	DET
fsr-3538	607	5	roth	roth	PROPN
fsr-3538	607	6	ira	ira	PROPN
fsr-3538	607	7	is	be	AUX
fsr-3538	607	8	and	and	CCONJ
fsr-3538	607	9	how	how	SCONJ
fsr-3538	607	10	it	it	PRON
fsr-3538	607	11	works	work	VERB
fsr-3538	607	12	from	from	ADP
fsr-3538	607	13	a	a	DET
fsr-3538	607	14	taxation	taxation	NOUN
fsr-3538	607	15	standpoint	standpoint	NOUN
fsr-3538	607	16	.	.	PUNCT
fsr-3538	608	1	13	13	NUM
fsr-3538	608	2	.	.	PUNCT
fsr-3538	609	1	i	i	PRON
fsr-3538	609	2	know	know	VERB
fsr-3538	609	3	how	how	SCONJ
fsr-3538	609	4	to	to	PART
fsr-3538	609	5	create	create	VERB
fsr-3538	609	6	a	a	DET
fsr-3538	609	7	savings	savings	NOUN
fsr-3538	609	8	plan	plan	NOUN
fsr-3538	609	9	based	base	VERB
fsr-3538	609	10	on	on	ADP
fsr-3538	609	11	the	the	DET
fsr-3538	609	12	ability	ability	NOUN
fsr-3538	609	13	to	to	PART
fsr-3538	609	14	estimate	estimate	VERB
fsr-3538	609	15	monthly	monthly	ADJ
fsr-3538	609	16	living	living	NOUN
fsr-3538	609	17	expenses	expense	NOUN
fsr-3538	609	18	.	.	PUNCT
fsr-3538	610	1	14	14	NUM
fsr-3538	610	2	.	.	PUNCT
fsr-3538	611	1	i	i	PRON
fsr-3538	611	2	know	know	VERB
fsr-3538	611	3	how	how	SCONJ
fsr-3538	611	4	to	to	PART
fsr-3538	611	5	plan	plan	VERB
fsr-3538	611	6	financially	financially	ADV
fsr-3538	611	7	for	for	ADP
fsr-3538	611	8	retirement	retirement	NOUN
fsr-3538	611	9	.	.	PUNCT
fsr-3538	612	1	188	188	NUM
fsr-3538	612	2	g.	g.	NOUN
fsr-3538	612	3	filbeck	filbeck	NOUN
fsr-3538	612	4	and	and	CCONJ
fsr-3538	612	5	x.	x.	NOUN
fsr-3538	612	6	zhao	zhao	PROPN
fsr-3538	612	7	/	/	SYM
fsr-3538	612	8	financial	financial	ADJ
fsr-3538	612	9	services	service	NOUN
fsr-3538	612	10	review	review	VERB
fsr-3538	612	11	31	31	NUM
fsr-3538	612	12	(	(	PUNCT
fsr-3538	612	13	2023	2023	NUM
fsr-3538	612	14	)	)	PUNCT
fsr-3538	612	15	169–196	169–196	NUM
fsr-3538	612	16	learning	learning	NOUN
fsr-3538	612	17	preferences	preference	NOUN
fsr-3538	612	18	:	:	PUNCT
fsr-3538	612	19	i	i	PRON
fsr-3538	612	20	am	be	AUX
fsr-3538	612	21	able	able	ADJ
fsr-3538	612	22	to	to	PART
fsr-3538	612	23	master	master	VERB
fsr-3538	612	24	material	material	NOUN
fsr-3538	612	25	when	when	SCONJ
fsr-3538	612	26	instruction	instruction	NOUN
fsr-3538	612	27	includes	include	VERB
fsr-3538	612	28	:	:	PUNCT
fsr-3538	613	1	1	1	X
fsr-3538	613	2	.	.	X
fsr-3538	613	3	learning	learn	VERB
fsr-3538	613	4	by	by	ADP
fsr-3538	613	5	doing	do	VERB
fsr-3538	613	6	/	/	SYM
fsr-3538	613	7	manipulating	manipulate	VERB
fsr-3538	613	8	objects	object	NOUN
fsr-3538	613	9	2	2	NUM
fsr-3538	613	10	.	.	PUNCT
fsr-3538	613	11	listening	listen	VERB
fsr-3538	613	12	3	3	NUM
fsr-3538	613	13	.	.	PUNCT
fsr-3538	613	14	discussing	discuss	VERB
fsr-3538	613	15	with	with	ADP
fsr-3538	613	16	peers	peer	NOUN
fsr-3538	613	17	4	4	NUM
fsr-3538	613	18	.	.	PUNCT
fsr-3538	613	19	features	feature	VERB
fsr-3538	613	20	visual	visual	ADJ
fsr-3538	613	21	support	support	NOUN
fsr-3538	613	22	(	(	PUNCT
fsr-3538	613	23	e.g.	e.g.	ADV
fsr-3538	613	24	,	,	PUNCT
fsr-3538	613	25	powerpoint	powerpoint	NOUN
fsr-3538	613	26	slides	slide	NOUN
fsr-3538	613	27	)	)	PUNCT
fsr-3538	613	28	objective	objective	ADJ
fsr-3538	613	29	questions	question	NOUN
fsr-3538	613	30	:	:	PUNCT
fsr-3538	613	31	1	1	X
fsr-3538	613	32	.	.	X
fsr-3538	613	33	is	be	AUX
fsr-3538	613	34	it	it	PRON
fsr-3538	613	35	safer	safe	ADJ
fsr-3538	613	36	to	to	PART
fsr-3538	613	37	put	put	VERB
fsr-3538	613	38	your	your	PRON
fsr-3538	613	39	money	money	NOUN
fsr-3538	613	40	into	into	ADP
fsr-3538	613	41	one	one	NUM
fsr-3538	613	42	investment	investment	NOUN
fsr-3538	613	43	or	or	CCONJ
fsr-3538	613	44	put	put	VERB
fsr-3538	613	45	your	your	PRON
fsr-3538	613	46	money	money	NOUN
fsr-3538	613	47	into	into	ADP
fsr-3538	613	48	multiple	multiple	ADJ
fsr-3538	613	49	investments	investment	NOUN
fsr-3538	613	50	?	?	PUNCT
fsr-3538	614	1	2	2	X
fsr-3538	614	2	.	.	X
fsr-3538	614	3	if	if	SCONJ
fsr-3538	614	4	you	you	PRON
fsr-3538	614	5	invest	invest	VERB
fsr-3538	614	6	$	$	SYM
fsr-3538	614	7	100	100	NUM
fsr-3538	614	8	in	in	ADP
fsr-3538	614	9	a	a	DET
fsr-3538	614	10	roth	roth	NOUN
fsr-3538	614	11	ira	ira	PROPN
fsr-3538	614	12	and	and	CCONJ
fsr-3538	614	13	earn	earn	VERB
fsr-3538	614	14	10	10	NUM
fsr-3538	614	15	%	%	NOUN
fsr-3538	614	16	per	per	ADP
fsr-3538	614	17	year	year	NOUN
fsr-3538	614	18	for	for	ADP
fsr-3538	614	19	3	3	NUM
fsr-3538	614	20	years	year	NOUN
fsr-3538	614	21	,	,	PUNCT
fsr-3538	614	22	how	how	SCONJ
fsr-3538	614	23	much	much	ADJ
fsr-3538	614	24	would	would	AUX
fsr-3538	614	25	it	it	PRON
fsr-3538	614	26	be	be	AUX
fsr-3538	614	27	worth	worth	ADJ
fsr-3538	614	28	at	at	ADP
fsr-3538	614	29	the	the	DET
fsr-3538	614	30	end	end	NOUN
fsr-3538	614	31	of	of	ADP
fsr-3538	614	32	three	three	NUM
fsr-3538	614	33	years	year	NOUN
fsr-3538	614	34	.	.	PUNCT
fsr-3538	615	1	3	3	X
fsr-3538	615	2	.	.	X
fsr-3538	615	3	if	if	SCONJ
fsr-3538	615	4	you	you	PRON
fsr-3538	615	5	use	use	VERB
fsr-3538	615	6	a	a	DET
fsr-3538	615	7	credit	credit	NOUN
fsr-3538	615	8	card	card	NOUN
fsr-3538	615	9	in	in	ADP
fsr-3538	615	10	january	january	PROPN
fsr-3538	615	11	for	for	ADP
fsr-3538	615	12	a	a	DET
fsr-3538	615	13	total	total	NOUN
fsr-3538	615	14	of	of	ADP
fsr-3538	615	15	$	$	SYM
fsr-3538	615	16	300	300	NUM
fsr-3538	615	17	,	,	PUNCT
fsr-3538	615	18	which	which	DET
fsr-3538	615	19	payment	payment	NOUN
fsr-3538	615	20	option	option	NOUN
fsr-3538	615	21	will	will	AUX
fsr-3538	615	22	result	result	VERB
fsr-3538	615	23	in	in	ADP
fsr-3538	615	24	the	the	DET
fsr-3538	615	25	lowest	low	ADJ
fsr-3538	615	26	amount	amount	NOUN
fsr-3538	615	27	of	of	ADP
fsr-3538	615	28	overall	overall	ADJ
fsr-3538	615	29	interest	interest	NOUN
fsr-3538	615	30	paid	pay	VERB
fsr-3538	615	31	.	.	PUNCT
fsr-3538	616	1	4	4	X
fsr-3538	616	2	.	.	X
fsr-3538	616	3	suppose	suppose	VERB
fsr-3538	616	4	you	you	PRON
fsr-3538	616	5	decide	decide	VERB
fsr-3538	616	6	to	to	PART
fsr-3538	616	7	buy	buy	VERB
fsr-3538	616	8	a	a	DET
fsr-3538	616	9	bmw	bmw	NOUN
fsr-3538	616	10	for	for	ADP
fsr-3538	616	11	$	$	SYM
fsr-3538	616	12	50,000	50,000	NUM
fsr-3538	616	13	.	.	PUNCT
fsr-3538	617	1	if	if	SCONJ
fsr-3538	617	2	you	you	PRON
fsr-3538	617	3	take	take	VERB
fsr-3538	617	4	out	out	ADP
fsr-3538	617	5	an	an	DET
fsr-3538	617	6	auto	auto	NOUN
fsr-3538	617	7	loan	loan	NOUN
fsr-3538	617	8	for	for	ADP
fsr-3538	617	9	5	5	NUM
fsr-3538	617	10	years	year	NOUN
fsr-3538	617	11	with	with	ADP
fsr-3538	617	12	5	5	NUM
fsr-3538	617	13	%	%	NOUN
fsr-3538	617	14	interest	interest	NOUN
fsr-3538	617	15	,	,	PUNCT
fsr-3538	617	16	how	how	SCONJ
fsr-3538	617	17	much	much	ADJ
fsr-3538	617	18	total	total	NOUN
fsr-3538	617	19	will	will	AUX
fsr-3538	617	20	you	you	PRON
fsr-3538	617	21	pay	pay	VERB
fsr-3538	617	22	per	per	ADP
fsr-3538	617	23	year	year	NOUN
fsr-3538	617	24	?	?	PUNCT
fsr-3538	618	1	5	5	X
fsr-3538	618	2	.	.	X
fsr-3538	618	3	in	in	ADP
fsr-3538	618	4	the	the	DET
fsr-3538	618	5	future	future	NOUN
fsr-3538	618	6	,	,	PUNCT
fsr-3538	618	7	the	the	DET
fsr-3538	618	8	cost	cost	NOUN
fsr-3538	618	9	of	of	ADP
fsr-3538	618	10	things	thing	NOUN
fsr-3538	618	11	you	you	PRON
fsr-3538	618	12	buy	buy	VERB
fsr-3538	618	13	doubles	double	NOUN
fsr-3538	618	14	and	and	CCONJ
fsr-3538	618	15	your	your	PRON
fsr-3538	618	16	income	income	NOUN
fsr-3538	618	17	also	also	ADV
fsr-3538	618	18	doubles	double	VERB
fsr-3538	618	19	.	.	PUNCT
fsr-3538	619	1	how	how	SCONJ
fsr-3538	619	2	much	much	ADJ
fsr-3538	619	3	will	will	AUX
fsr-3538	619	4	you	you	PRON
fsr-3538	619	5	be	be	AUX
fsr-3538	619	6	able	able	ADJ
fsr-3538	619	7	to	to	PART
fsr-3538	619	8	buy	buy	VERB
fsr-3538	619	9	in	in	ADP
fsr-3538	619	10	the	the	DET
fsr-3538	619	11	future	future	NOUN
fsr-3538	619	12	in	in	ADP
fsr-3538	619	13	comparison	comparison	NOUN
fsr-3538	619	14	to	to	ADP
fsr-3538	619	15	today	today	NOUN
fsr-3538	619	16	?	?	PUNCT
fsr-3538	620	1	6	6	NUM
fsr-3538	620	2	.	.	PUNCT
fsr-3538	620	3	suppose	suppose	VERB
fsr-3538	620	4	you	you	PRON
fsr-3538	620	5	have	have	VERB
fsr-3538	620	6	$	$	SYM
fsr-3538	620	7	30,000	30,000	NUM
fsr-3538	620	8	in	in	ADP
fsr-3538	620	9	student	student	NOUN
fsr-3538	620	10	loans	loan	NOUN
fsr-3538	620	11	.	.	PUNCT
fsr-3538	621	1	which	which	DET
fsr-3538	621	2	payment	payment	NOUN
fsr-3538	621	3	option	option	NOUN
fsr-3538	621	4	would	would	AUX
fsr-3538	621	5	result	result	VERB
fsr-3538	621	6	in	in	ADP
fsr-3538	621	7	the	the	DET
fsr-3538	621	8	lowest	low	ADJ
fsr-3538	621	9	amount	amount	NOUN
fsr-3538	621	10	of	of	ADP
fsr-3538	621	11	overall	overall	ADJ
fsr-3538	621	12	interest	interest	NOUN
fsr-3538	621	13	paid	pay	VERB
fsr-3538	621	14	?	?	PUNCT
fsr-3538	622	1	appendix	appendix	VERB
fsr-3538	622	2	b	b	DET
fsr-3538	622	3	post	post	ADJ
fsr-3538	622	4	-	-	ADJ
fsr-3538	622	5	survey	survey	ADJ
fsr-3538	622	6	questions	question	NOUN
fsr-3538	622	7	class	class	NOUN
fsr-3538	622	8	code	code	NOUN
fsr-3538	622	9	:	:	PUNCT
fsr-3538	622	10	student	student	NOUN
fsr-3538	622	11	i	i	PROPN
fsr-3538	622	12	d	d	PROPN
fsr-3538	622	13	:	:	PUNCT
fsr-3538	622	14	questions	question	NOUN
fsr-3538	622	15	:	:	PUNCT
fsr-3538	623	1	1	1	X
fsr-3538	623	2	.	.	X
fsr-3538	624	1	i	i	PRON
fsr-3538	624	2	like	like	VERB
fsr-3538	624	3	to	to	PART
fsr-3538	624	4	save	save	VERB
fsr-3538	624	5	money	money	NOUN
fsr-3538	624	6	more	more	ADJ
fsr-3538	624	7	than	than	SCONJ
fsr-3538	624	8	i	i	PRON
fsr-3538	624	9	like	like	VERB
fsr-3538	624	10	to	to	PART
fsr-3538	624	11	spend	spend	VERB
fsr-3538	624	12	it	it	PRON
fsr-3538	624	13	.	.	PUNCT
fsr-3538	625	1	2	2	X
fsr-3538	625	2	.	.	X
fsr-3538	625	3	i	i	PRON
fsr-3538	625	4	understand	understand	VERB
fsr-3538	625	5	how	how	SCONJ
fsr-3538	625	6	to	to	PART
fsr-3538	625	7	establish	establish	VERB
fsr-3538	625	8	a	a	DET
fsr-3538	625	9	financial	financial	ADJ
fsr-3538	625	10	plan	plan	NOUN
fsr-3538	625	11	.	.	PUNCT
fsr-3538	626	1	3	3	X
fsr-3538	626	2	.	.	X
fsr-3538	627	1	i	i	PRON
fsr-3538	627	2	think	think	VERB
fsr-3538	627	3	financial	financial	ADJ
fsr-3538	627	4	literacy	literacy	NOUN
fsr-3538	627	5	is	be	AUX
fsr-3538	627	6	important	important	ADJ
fsr-3538	627	7	for	for	ADP
fsr-3538	627	8	my	my	PRON
fsr-3538	627	9	future	future	NOUN
fsr-3538	627	10	.	.	PUNCT
fsr-3538	628	1	4	4	X
fsr-3538	628	2	.	.	X
fsr-3538	628	3	i	i	PRON
fsr-3538	628	4	have	have	VERB
fsr-3538	628	5	a	a	DET
fsr-3538	628	6	checking	checking	NOUN
fsr-3538	628	7	and/or	and/or	CCONJ
fsr-3538	628	8	a	a	DET
fsr-3538	628	9	savings	saving	NOUN
fsr-3538	628	10	account	account	NOUN
fsr-3538	628	11	.	.	PUNCT
fsr-3538	629	1	5	5	X
fsr-3538	629	2	.	.	X
fsr-3538	629	3	i	i	PRON
fsr-3538	629	4	have	have	VERB
fsr-3538	629	5	conversations	conversation	NOUN
fsr-3538	629	6	with	with	ADP
fsr-3538	629	7	my	my	PRON
fsr-3538	629	8	parents	parent	NOUN
fsr-3538	629	9	regarding	regard	VERB
fsr-3538	629	10	personal	personal	ADJ
fsr-3538	629	11	finance	finance	NOUN
fsr-3538	629	12	.	.	PUNCT
fsr-3538	630	1	6	6	X
fsr-3538	630	2	.	.	X
fsr-3538	631	1	i	i	PRON
fsr-3538	631	2	understand	understand	VERB
fsr-3538	631	3	the	the	DET
fsr-3538	631	4	process	process	NOUN
fsr-3538	631	5	by	by	ADP
fsr-3538	631	6	which	which	PRON
fsr-3538	631	7	my	my	PRON
fsr-3538	631	8	parents	parent	NOUN
fsr-3538	631	9	/	/	SYM
fsr-3538	631	10	guardians	guardian	NOUN
fsr-3538	631	11	make	make	VERB
fsr-3538	631	12	financial	financial	ADJ
fsr-3538	631	13	decisions	decision	NOUN
fsr-3538	631	14	.	.	PUNCT
fsr-3538	632	1	7	7	X
fsr-3538	632	2	.	.	X
fsr-3538	633	1	i	i	PRON
fsr-3538	633	2	know	know	VERB
fsr-3538	633	3	how	how	SCONJ
fsr-3538	633	4	to	to	PART
fsr-3538	633	5	determine	determine	VERB
fsr-3538	633	6	the	the	DET
fsr-3538	633	7	appropriate	appropriate	ADJ
fsr-3538	633	8	total	total	ADJ
fsr-3538	633	9	costs	cost	NOUN
fsr-3538	633	10	associated	associate	VERB
fsr-3538	633	11	with	with	ADP
fsr-3538	633	12	the	the	DET
fsr-3538	633	13	colleges	college	NOUN
fsr-3538	633	14	/	/	SYM
fsr-3538	633	15	universities	university	NOUN
fsr-3538	633	16	i	i	PRON
fsr-3538	633	17	am	be	AUX
fsr-3538	633	18	interested	interested	ADJ
fsr-3538	633	19	in	in	ADP
fsr-3538	633	20	attending	attend	VERB
fsr-3538	633	21	.	.	PUNCT
fsr-3538	634	1	8	8	X
fsr-3538	634	2	.	.	X
fsr-3538	635	1	i	i	PRON
fsr-3538	635	2	understand	understand	VERB
fsr-3538	635	3	the	the	DET
fsr-3538	635	4	process	process	NOUN
fsr-3538	635	5	by	by	ADP
fsr-3538	635	6	which	which	PRON
fsr-3538	635	7	loan	loan	NOUN
fsr-3538	635	8	repayments	repayment	NOUN
fsr-3538	635	9	take	take	VERB
fsr-3538	635	10	place	place	NOUN
fsr-3538	635	11	including	include	VERB
fsr-3538	635	12	the	the	DET
fsr-3538	635	13	impact	impact	NOUN
fsr-3538	635	14	of	of	ADP
fsr-3538	635	15	interest	interest	NOUN
fsr-3538	635	16	,	,	PUNCT
fsr-3538	635	17	delinquency	delinquency	NOUN
fsr-3538	635	18	,	,	PUNCT
fsr-3538	635	19	and	and	CCONJ
fsr-3538	635	20	default	default	NOUN
fsr-3538	635	21	.	.	PUNCT
fsr-3538	636	1	9	9	X
fsr-3538	636	2	.	.	X
fsr-3538	637	1	i	i	PRON
fsr-3538	637	2	understand	understand	VERB
fsr-3538	637	3	the	the	DET
fsr-3538	637	4	process	process	NOUN
fsr-3538	637	5	by	by	ADP
fsr-3538	637	6	which	which	PRON
fsr-3538	637	7	credit	credit	NOUN
fsr-3538	637	8	card	card	NOUN
fsr-3538	637	9	charges	charge	NOUN
fsr-3538	637	10	and	and	CCONJ
fsr-3538	637	11	repayment	repayment	NOUN
fsr-3538	637	12	schedules	schedule	NOUN
fsr-3538	637	13	can	can	AUX
fsr-3538	637	14	impact	impact	VERB
fsr-3538	637	15	the	the	DET
fsr-3538	637	16	level	level	NOUN
fsr-3538	637	17	of	of	ADP
fsr-3538	637	18	financial	financial	ADJ
fsr-3538	637	19	debt	debt	NOUN
fsr-3538	637	20	levels	level	NOUN
fsr-3538	637	21	.	.	PUNCT
fsr-3538	638	1	10	10	NUM
fsr-3538	638	2	.	.	PUNCT
fsr-3538	639	1	when	when	SCONJ
fsr-3538	639	2	it	it	PRON
fsr-3538	639	3	comes	come	VERB
fsr-3538	639	4	to	to	ADP
fsr-3538	639	5	purchasing	purchase	VERB
fsr-3538	639	6	a	a	DET
fsr-3538	639	7	car	car	NOUN
fsr-3538	639	8	,	,	PUNCT
fsr-3538	639	9	i	i	PRON
fsr-3538	639	10	know	know	VERB
fsr-3538	639	11	how	how	SCONJ
fsr-3538	639	12	to	to	PART
fsr-3538	639	13	determine	determine	VERB
fsr-3538	639	14	how	how	SCONJ
fsr-3538	639	15	much	much	ADJ
fsr-3538	639	16	of	of	ADP
fsr-3538	639	17	a	a	DET
fsr-3538	639	18	car	car	NOUN
fsr-3538	639	19	i	i	PRON
fsr-3538	639	20	can	can	AUX
fsr-3538	639	21	afford	afford	VERB
fsr-3538	639	22	.	.	PUNCT
fsr-3538	640	1	11	11	NUM
fsr-3538	640	2	.	.	PUNCT
fsr-3538	641	1	i	i	PRON
fsr-3538	641	2	understand	understand	VERB
fsr-3538	641	3	how	how	SCONJ
fsr-3538	641	4	to	to	PART
fsr-3538	641	5	evaluate	evaluate	VERB
fsr-3538	641	6	the	the	DET
fsr-3538	641	7	cost	cost	NOUN
fsr-3538	641	8	-	-	PUNCT
fsr-3538	641	9	benefit	benefit	NOUN
fsr-3538	641	10	analysis	analysis	NOUN
fsr-3538	641	11	of	of	ADP
fsr-3538	641	12	training	training	NOUN
fsr-3538	641	13	for	for	ADP
fsr-3538	641	14	the	the	DET
fsr-3538	641	15	job	job	NOUN
fsr-3538	641	16	i	i	PRON
fsr-3538	641	17	would	would	AUX
fsr-3538	641	18	like	like	VERB
fsr-3538	641	19	to	to	PART
fsr-3538	641	20	perform	perform	VERB
fsr-3538	641	21	after	after	ADP
fsr-3538	641	22	completing	complete	VERB
fsr-3538	641	23	school	school	NOUN
fsr-3538	641	24	.	.	PUNCT
fsr-3538	642	1	12	12	NUM
fsr-3538	642	2	.	.	PUNCT
fsr-3538	643	1	i	i	PRON
fsr-3538	643	2	know	know	VERB
fsr-3538	643	3	what	what	PRON
fsr-3538	643	4	a	a	DET
fsr-3538	643	5	roth	roth	PROPN
fsr-3538	643	6	ira	ira	PROPN
fsr-3538	643	7	is	be	AUX
fsr-3538	643	8	and	and	CCONJ
fsr-3538	643	9	how	how	SCONJ
fsr-3538	643	10	it	it	PRON
fsr-3538	643	11	works	work	VERB
fsr-3538	643	12	from	from	ADP
fsr-3538	643	13	a	a	DET
fsr-3538	643	14	taxation	taxation	NOUN
fsr-3538	643	15	standpoint	standpoint	NOUN
fsr-3538	643	16	.	.	PUNCT
fsr-3538	644	1	13	13	NUM
fsr-3538	644	2	.	.	PUNCT
fsr-3538	645	1	i	i	PRON
fsr-3538	645	2	know	know	VERB
fsr-3538	645	3	how	how	SCONJ
fsr-3538	645	4	to	to	PART
fsr-3538	645	5	create	create	VERB
fsr-3538	645	6	a	a	DET
fsr-3538	645	7	savings	savings	NOUN
fsr-3538	645	8	plan	plan	NOUN
fsr-3538	645	9	based	base	VERB
fsr-3538	645	10	on	on	ADP
fsr-3538	645	11	the	the	DET
fsr-3538	645	12	ability	ability	NOUN
fsr-3538	645	13	to	to	PART
fsr-3538	645	14	estimate	estimate	VERB
fsr-3538	645	15	monthly	monthly	ADJ
fsr-3538	645	16	living	living	NOUN
fsr-3538	645	17	expenses	expense	NOUN
fsr-3538	645	18	.	.	PUNCT
fsr-3538	646	1	14	14	NUM
fsr-3538	646	2	.	.	PUNCT
fsr-3538	647	1	i	i	PRON
fsr-3538	647	2	know	know	VERB
fsr-3538	647	3	how	how	SCONJ
fsr-3538	647	4	to	to	PART
fsr-3538	647	5	plan	plan	VERB
fsr-3538	647	6	financially	financially	ADV
fsr-3538	647	7	for	for	ADP
fsr-3538	647	8	retirement	retirement	NOUN
fsr-3538	647	9	.	.	PUNCT
fsr-3538	648	1	15	15	NUM
fsr-3538	648	2	.	.	PUNCT
fsr-3538	649	1	i	i	PRON
fsr-3538	649	2	think	think	VERB
fsr-3538	649	3	it	it	PRON
fsr-3538	649	4	is	be	AUX
fsr-3538	649	5	important	important	ADJ
fsr-3538	649	6	to	to	PART
fsr-3538	649	7	contribute	contribute	VERB
fsr-3538	649	8	to	to	ADP
fsr-3538	649	9	a	a	DET
fsr-3538	649	10	retirement	retirement	NOUN
fsr-3538	649	11	plan	plan	NOUN
fsr-3538	649	12	(	(	PUNCT
fsr-3538	649	13	ex	ex	X
fsr-3538	649	14	.	.	PROPN
fsr-3538	649	15	roth	roth	PROPN
fsr-3538	649	16	ira	ira	PROPN
fsr-3538	649	17	,	,	PUNCT
fsr-3538	649	18	401k	401k	PROPN
fsr-3538	649	19	,	,	PUNCT
fsr-3538	649	20	etc	etc	X
fsr-3538	649	21	.	.	X
fsr-3538	649	22	)	)	PUNCT
fsr-3538	650	1	g.	g.	NOUN
fsr-3538	650	2	filbeck	filbeck	NOUN
fsr-3538	650	3	and	and	CCONJ
fsr-3538	650	4	x.	x.	NOUN
fsr-3538	650	5	zhao	zhao	PROPN
fsr-3538	650	6	/	/	SYM
fsr-3538	650	7	financial	financial	ADJ
fsr-3538	650	8	services	service	NOUN
fsr-3538	650	9	review	review	VERB
fsr-3538	650	10	31	31	NUM
fsr-3538	650	11	(	(	PUNCT
fsr-3538	650	12	2023	2023	NUM
fsr-3538	650	13	)	)	PUNCT
fsr-3538	650	14	169–196	169–196	NUM
fsr-3538	650	15	189	189	NUM
fsr-3538	650	16	learning	learning	NOUN
fsr-3538	650	17	preferences	preference	NOUN
fsr-3538	650	18	:	:	PUNCT
fsr-3538	650	19	i	i	PRON
fsr-3538	650	20	am	be	AUX
fsr-3538	650	21	able	able	ADJ
fsr-3538	650	22	to	to	PART
fsr-3538	650	23	master	master	VERB
fsr-3538	650	24	material	material	NOUN
fsr-3538	650	25	when	when	SCONJ
fsr-3538	650	26	instruction	instruction	NOUN
fsr-3538	650	27	includes	include	VERB
fsr-3538	650	28	:	:	PUNCT
fsr-3538	651	1	1	1	X
fsr-3538	651	2	.	.	X
fsr-3538	651	3	learning	learn	VERB
fsr-3538	651	4	by	by	ADP
fsr-3538	651	5	doing	do	VERB
fsr-3538	651	6	/	/	SYM
fsr-3538	651	7	manipulating	manipulate	VERB
fsr-3538	651	8	objects	object	NOUN
fsr-3538	651	9	2	2	NUM
fsr-3538	651	10	.	.	PUNCT
fsr-3538	651	11	listening	listen	VERB
fsr-3538	651	12	3	3	NUM
fsr-3538	651	13	.	.	PUNCT
fsr-3538	651	14	discussing	discuss	VERB
fsr-3538	651	15	with	with	ADP
fsr-3538	651	16	peers	peer	NOUN
fsr-3538	651	17	4	4	NUM
fsr-3538	651	18	.	.	PUNCT
fsr-3538	651	19	features	feature	VERB
fsr-3538	651	20	visual	visual	ADJ
fsr-3538	651	21	support	support	NOUN
fsr-3538	651	22	(	(	PUNCT
fsr-3538	651	23	e.g.	e.g.	ADV
fsr-3538	651	24	,	,	PUNCT
fsr-3538	651	25	powerpoint	powerpoint	NOUN
fsr-3538	651	26	slides	slide	NOUN
fsr-3538	651	27	)	)	PUNCT
fsr-3538	651	28	objective	objective	ADJ
fsr-3538	651	29	questions	question	NOUN
fsr-3538	651	30	:	:	PUNCT
fsr-3538	652	1	1	1	X
fsr-3538	652	2	.	.	NOUN
fsr-3538	652	3	which	which	PRON
fsr-3538	652	4	is	be	AUX
fsr-3538	652	5	less	less	ADV
fsr-3538	652	6	risky	risky	ADJ
fsr-3538	652	7	:	:	PUNCT
fsr-3538	652	8	investing	invest	VERB
fsr-3538	652	9	your	your	PRON
fsr-3538	652	10	money	money	NOUN
fsr-3538	652	11	into	into	ADP
fsr-3538	652	12	one	one	NUM
fsr-3538	652	13	investment	investment	NOUN
fsr-3538	652	14	or	or	CCONJ
fsr-3538	652	15	multiple	multiple	ADJ
fsr-3538	652	16	investments	investment	NOUN
fsr-3538	652	17	?	?	PUNCT
fsr-3538	653	1	2	2	X
fsr-3538	653	2	.	.	X
fsr-3538	653	3	if	if	SCONJ
fsr-3538	653	4	you	you	PRON
fsr-3538	653	5	invest	invest	VERB
fsr-3538	653	6	$	$	SYM
fsr-3538	653	7	100	100	NUM
fsr-3538	653	8	in	in	ADP
fsr-3538	653	9	a	a	DET
fsr-3538	653	10	roth	roth	NOUN
fsr-3538	653	11	ira	ira	PROPN
fsr-3538	653	12	and	and	CCONJ
fsr-3538	653	13	earn	earn	VERB
fsr-3538	653	14	5	5	NUM
fsr-3538	653	15	%	%	NOUN
fsr-3538	653	16	per	per	ADP
fsr-3538	653	17	year	year	NOUN
fsr-3538	653	18	for	for	ADP
fsr-3538	653	19	3	3	NUM
fsr-3538	653	20	years	year	NOUN
fsr-3538	653	21	,	,	PUNCT
fsr-3538	653	22	how	how	SCONJ
fsr-3538	653	23	much	much	ADJ
fsr-3538	653	24	would	would	AUX
fsr-3538	653	25	it	it	PRON
fsr-3538	653	26	be	be	AUX
fsr-3538	653	27	worth	worth	ADJ
fsr-3538	653	28	at	at	ADP
fsr-3538	653	29	the	the	DET
fsr-3538	653	30	end	end	NOUN
fsr-3538	653	31	of	of	ADP
fsr-3538	653	32	three	three	NUM
fsr-3538	653	33	years	year	NOUN
fsr-3538	653	34	.	.	PUNCT
fsr-3538	654	1	3	3	X
fsr-3538	654	2	.	.	X
fsr-3538	654	3	if	if	SCONJ
fsr-3538	654	4	you	you	PRON
fsr-3538	654	5	use	use	VERB
fsr-3538	654	6	a	a	DET
fsr-3538	654	7	credit	credit	NOUN
fsr-3538	654	8	card	card	NOUN
fsr-3538	654	9	in	in	ADP
fsr-3538	654	10	january	january	PROPN
fsr-3538	654	11	for	for	ADP
fsr-3538	654	12	a	a	DET
fsr-3538	654	13	total	total	NOUN
fsr-3538	654	14	of	of	ADP
fsr-3538	654	15	$	$	SYM
fsr-3538	654	16	500	500	NUM
fsr-3538	654	17	,	,	PUNCT
fsr-3538	654	18	which	which	DET
fsr-3538	654	19	payment	payment	NOUN
fsr-3538	654	20	option	option	NOUN
fsr-3538	654	21	will	will	AUX
fsr-3538	654	22	result	result	VERB
fsr-3538	654	23	in	in	ADP
fsr-3538	654	24	the	the	DET
fsr-3538	654	25	lowest	low	ADJ
fsr-3538	654	26	amount	amount	NOUN
fsr-3538	654	27	of	of	ADP
fsr-3538	654	28	overall	overall	ADJ
fsr-3538	654	29	interest	interest	NOUN
fsr-3538	654	30	paid	pay	VERB
fsr-3538	654	31	.	.	PUNCT
fsr-3538	655	1	4	4	X
fsr-3538	655	2	.	.	X
fsr-3538	655	3	suppose	suppose	VERB
fsr-3538	655	4	you	you	PRON
fsr-3538	655	5	decide	decide	VERB
fsr-3538	655	6	to	to	PART
fsr-3538	655	7	buy	buy	VERB
fsr-3538	655	8	an	an	DET
fsr-3538	655	9	audi	audi	NOUN
fsr-3538	655	10	for	for	ADP
fsr-3538	655	11	$	$	SYM
fsr-3538	655	12	50,000	50,000	NUM
fsr-3538	655	13	.	.	PUNCT
fsr-3538	656	1	if	if	SCONJ
fsr-3538	656	2	you	you	PRON
fsr-3538	656	3	take	take	VERB
fsr-3538	656	4	out	out	ADP
fsr-3538	656	5	an	an	DET
fsr-3538	656	6	auto	auto	NOUN
fsr-3538	656	7	loan	loan	NOUN
fsr-3538	656	8	for	for	ADP
fsr-3538	656	9	5	5	NUM
fsr-3538	656	10	years	year	NOUN
fsr-3538	656	11	with	with	ADP
fsr-3538	656	12	5	5	NUM
fsr-3538	656	13	%	%	NOUN
fsr-3538	656	14	interest	interest	NOUN
fsr-3538	656	15	,	,	PUNCT
fsr-3538	656	16	how	how	SCONJ
fsr-3538	656	17	much	much	ADJ
fsr-3538	656	18	total	total	NOUN
fsr-3538	656	19	will	will	AUX
fsr-3538	656	20	you	you	PRON
fsr-3538	656	21	pay	pay	VERB
fsr-3538	656	22	per	per	ADP
fsr-3538	656	23	year	year	NOUN
fsr-3538	656	24	?	?	PUNCT
fsr-3538	657	1	5	5	X
fsr-3538	657	2	.	.	X
fsr-3538	657	3	in	in	ADP
fsr-3538	657	4	the	the	DET
fsr-3538	657	5	future	future	NOUN
fsr-3538	657	6	,	,	PUNCT
fsr-3538	657	7	the	the	DET
fsr-3538	657	8	cost	cost	NOUN
fsr-3538	657	9	of	of	ADP
fsr-3538	657	10	things	thing	NOUN
fsr-3538	657	11	you	you	PRON
fsr-3538	657	12	buy	buy	VERB
fsr-3538	657	13	doubles	double	NOUN
fsr-3538	657	14	but	but	CCONJ
fsr-3538	657	15	your	your	PRON
fsr-3538	657	16	income	income	NOUN
fsr-3538	657	17	remains	remain	VERB
fsr-3538	657	18	the	the	DET
fsr-3538	657	19	same	same	ADJ
fsr-3538	657	20	.	.	PUNCT
fsr-3538	658	1	how	how	SCONJ
fsr-3538	658	2	much	much	ADJ
fsr-3538	658	3	will	will	AUX
fsr-3538	658	4	you	you	PRON
fsr-3538	658	5	be	be	AUX
fsr-3538	658	6	able	able	ADJ
fsr-3538	658	7	to	to	PART
fsr-3538	658	8	buy	buy	VERB
fsr-3538	658	9	in	in	ADP
fsr-3538	658	10	the	the	DET
fsr-3538	658	11	future	future	NOUN
fsr-3538	658	12	in	in	ADP
fsr-3538	658	13	comparison	comparison	NOUN
fsr-3538	658	14	to	to	ADP
fsr-3538	658	15	today	today	NOUN
fsr-3538	658	16	?	?	PUNCT
fsr-3538	659	1	6	6	NUM
fsr-3538	659	2	.	.	PUNCT
fsr-3538	659	3	suppose	suppose	VERB
fsr-3538	659	4	you	you	PRON
fsr-3538	659	5	have	have	VERB
fsr-3538	659	6	$	$	SYM
fsr-3538	659	7	40,000	40,000	NUM
fsr-3538	659	8	in	in	ADP
fsr-3538	659	9	student	student	NOUN
fsr-3538	659	10	debt	debt	NOUN
fsr-3538	659	11	.	.	PUNCT
fsr-3538	660	1	which	which	DET
fsr-3538	660	2	payment	payment	NOUN
fsr-3538	660	3	option	option	NOUN
fsr-3538	660	4	would	would	AUX
fsr-3538	660	5	result	result	VERB
fsr-3538	660	6	in	in	ADP
fsr-3538	660	7	the	the	DET
fsr-3538	660	8	lowest	low	ADJ
fsr-3538	660	9	amount	amount	NOUN
fsr-3538	660	10	of	of	ADP
fsr-3538	660	11	overall	overall	ADJ
fsr-3538	660	12	interest	interest	NOUN
fsr-3538	660	13	paid	pay	VERB
fsr-3538	660	14	?	?	PUNCT
fsr-3538	661	1	appendix	appendix	PROPN
fsr-3538	661	2	c	c	PROPN
fsr-3538	661	3	teacher	teacher	NOUN
fsr-3538	661	4	survey	survey	NOUN
fsr-3538	661	5	questions	question	NOUN
fsr-3538	661	6	class	class	NOUN
fsr-3538	661	7	code	code	NOUN
fsr-3538	661	8	:	:	PUNCT
fsr-3538	661	9	teacher	teacher	NOUN
fsr-3538	661	10	i	i	PROPN
fsr-3538	661	11	d	d	NOUN
fsr-3538	661	12	:	:	PUNCT
fsr-3538	661	13	gender	gender	NOUN
fsr-3538	661	14	:	:	PUNCT
fsr-3538	661	15	questions	question	NOUN
fsr-3538	661	16	:	:	PUNCT
fsr-3538	662	1	1	1	X
fsr-3538	662	2	.	.	X
fsr-3538	662	3	how	how	SCONJ
fsr-3538	662	4	are	be	AUX
fsr-3538	662	5	you	you	PRON
fsr-3538	662	6	teaching	teach	VERB
fsr-3538	662	7	the	the	DET
fsr-3538	662	8	material	material	NOUN
fsr-3538	662	9	?	?	PUNCT
fsr-3538	663	1	2	2	X
fsr-3538	663	2	.	.	X
fsr-3538	663	3	how	how	SCONJ
fsr-3538	663	4	many	many	ADJ
fsr-3538	663	5	total	total	ADJ
fsr-3538	663	6	contact	contact	NOUN
fsr-3538	663	7	hours	hour	NOUN
fsr-3538	663	8	will	will	AUX
fsr-3538	663	9	you	you	PRON
fsr-3538	663	10	spend	spend	VERB
fsr-3538	663	11	teaching	teach	VERB
fsr-3538	663	12	financial	financial	ADJ
fsr-3538	663	13	literacy	literacy	NOUN
fsr-3538	663	14	?	?	PUNCT
fsr-3538	664	1	3	3	X
fsr-3538	664	2	.	.	X
fsr-3538	664	3	how	how	SCONJ
fsr-3538	664	4	often	often	ADV
fsr-3538	664	5	will	will	AUX
fsr-3538	664	6	students	student	NOUN
fsr-3538	664	7	receive	receive	VERB
fsr-3538	664	8	financial	financial	ADJ
fsr-3538	664	9	literacy	literacy	NOUN
fsr-3538	664	10	instruction	instruction	NOUN
fsr-3538	664	11	?	?	PUNCT
fsr-3538	665	1	4	4	X
fsr-3538	665	2	.	.	X
fsr-3538	666	1	what	what	PRON
fsr-3538	666	2	best	good	ADJ
fsr-3538	666	3	describes	describe	VERB
fsr-3538	666	4	the	the	DET
fsr-3538	666	5	total	total	ADJ
fsr-3538	666	6	length	length	NOUN
fsr-3538	666	7	of	of	ADP
fsr-3538	666	8	your	your	PRON
fsr-3538	666	9	financial	financial	ADJ
fsr-3538	666	10	literacy	literacy	NOUN
fsr-3538	666	11	instruction	instruction	NOUN
fsr-3538	666	12	program	program	NOUN
fsr-3538	666	13	?	?	PUNCT
fsr-3538	667	1	5	5	X
fsr-3538	667	2	.	.	X
fsr-3538	668	1	what	what	PRON
fsr-3538	668	2	methods	method	NOUN
fsr-3538	668	3	did	do	AUX
fsr-3538	668	4	you	you	PRON
fsr-3538	668	5	use	use	VERB
fsr-3538	668	6	to	to	PART
fsr-3538	668	7	teach	teach	VERB
fsr-3538	668	8	the	the	DET
fsr-3538	668	9	material	material	NOUN
fsr-3538	668	10	?	?	PUNCT
fsr-3538	669	1	(	(	PUNCT
fsr-3538	669	2	select	select	VERB
fsr-3538	669	3	all	all	PRON
fsr-3538	669	4	that	that	PRON
fsr-3538	669	5	apply	apply	VERB
fsr-3538	669	6	)	)	PUNCT
fsr-3538	669	7	.	.	PUNCT
fsr-3538	670	1	6	6	X
fsr-3538	670	2	.	.	X
fsr-3538	670	3	did	do	AUX
fsr-3538	670	4	you	you	PRON
fsr-3538	670	5	take	take	VERB
fsr-3538	670	6	a	a	DET
fsr-3538	670	7	finance	finance	NOUN
fsr-3538	670	8	-	-	PUNCT
fsr-3538	670	9	related	relate	VERB
fsr-3538	670	10	course	course	NOUN
fsr-3538	670	11	in	in	ADP
fsr-3538	670	12	high	high	ADJ
fsr-3538	670	13	school	school	NOUN
fsr-3538	670	14	or	or	CCONJ
fsr-3538	670	15	college	college	NOUN
fsr-3538	670	16	?	?	PUNCT
fsr-3538	671	1	7	7	X
fsr-3538	671	2	.	.	X
fsr-3538	672	1	what	what	PRON
fsr-3538	672	2	subject	subject	NOUN
fsr-3538	672	3	do	do	AUX
fsr-3538	672	4	you	you	PRON
fsr-3538	672	5	teach	teach	VERB
fsr-3538	672	6	?	?	PUNCT
fsr-3538	673	1	8	8	X
fsr-3538	673	2	.	.	PUNCT
fsr-3538	674	1	what	what	PRON
fsr-3538	674	2	suggestions	suggestion	NOUN
fsr-3538	674	3	do	do	AUX
fsr-3538	674	4	you	you	PRON
fsr-3538	674	5	have	have	VERB
fsr-3538	674	6	about	about	ADP
fsr-3538	674	7	the	the	DET
fsr-3538	674	8	program	program	NOUN
fsr-3538	674	9	that	that	PRON
fsr-3538	674	10	we	we	PRON
fsr-3538	674	11	can	can	AUX
fsr-3538	674	12	improve	improve	VERB
fsr-3538	674	13	next	next	ADJ
fsr-3538	674	14	year	year	NOUN
fsr-3538	674	15	?	?	PUNCT
fsr-3538	675	1	190	190	NUM
fsr-3538	675	2	g.	g.	NOUN
fsr-3538	675	3	filbeck	filbeck	NOUN
fsr-3538	675	4	and	and	CCONJ
fsr-3538	675	5	x.	x.	NOUN
fsr-3538	675	6	zhao	zhao	PROPN
fsr-3538	675	7	/	/	SYM
fsr-3538	675	8	financial	financial	ADJ
fsr-3538	675	9	services	service	NOUN
fsr-3538	675	10	review	review	VERB
fsr-3538	675	11	31	31	NUM
fsr-3538	675	12	(	(	PUNCT
fsr-3538	675	13	2023	2023	NUM
fsr-3538	675	14	)	)	PUNCT
fsr-3538	676	1	169–196	169–196	NUM
fsr-3538	676	2	appendix	appendix	NOUN
fsr-3538	676	3	d	d	ADP
fsr-3538	676	4	variable	variable	ADJ
fsr-3538	676	5	definitions	definition	NOUN
fsr-3538	676	6	dependent	dependent	ADJ
fsr-3538	676	7	variables	variable	NOUN
fsr-3538	676	8	:	:	PUNCT
fsr-3538	676	9	subjective	subjective	ADJ
fsr-3538	676	10	total	total	ADJ
fsr-3538	676	11	score	score	NOUN
fsr-3538	676	12	for	for	ADP
fsr-3538	676	13	the	the	DET
fsr-3538	676	14	subjective	subjective	ADJ
fsr-3538	676	15	questions	question	NOUN
fsr-3538	676	16	in	in	ADP
fsr-3538	676	17	the	the	DET
fsr-3538	676	18	survey	survey	NOUN
fsr-3538	676	19	objective	objective	ADJ
fsr-3538	676	20	total	total	ADJ
fsr-3538	676	21	score	score	NOUN
fsr-3538	676	22	for	for	ADP
fsr-3538	676	23	the	the	DET
fsr-3538	676	24	objective	objective	ADJ
fsr-3538	676	25	questions	question	NOUN
fsr-3538	676	26	in	in	ADP
fsr-3538	676	27	the	the	DET
fsr-3538	676	28	survey	survey	NOUN
fsr-3538	676	29	with	with	ADP
fsr-3538	676	30	correct	correct	ADJ
fsr-3538	676	31	answers	answer	NOUN
fsr-3538	676	32	behavior	behavior	NOUN
fsr-3538	676	33	total	total	ADJ
fsr-3538	676	34	score	score	NOUN
fsr-3538	676	35	for	for	ADP
fsr-3538	676	36	the	the	DET
fsr-3538	676	37	financial	financial	ADJ
fsr-3538	676	38	behavior	behavior	NOUN
fsr-3538	676	39	questions	question	NOUN
fsr-3538	676	40	in	in	ADP
fsr-3538	676	41	the	the	DET
fsr-3538	676	42	survey	survey	NOUN
fsr-3538	676	43	idk	idk	INTJ
fsr-3538	676	44	total	total	ADJ
fsr-3538	676	45	score	score	NOUN
fsr-3538	676	46	for	for	ADP
fsr-3538	676	47	the	the	DET
fsr-3538	676	48	objective	objective	ADJ
fsr-3538	676	49	questions	question	NOUN
fsr-3538	676	50	in	in	ADP
fsr-3538	676	51	the	the	DET
fsr-3538	676	52	survey	survey	NOUN
fsr-3538	676	53	with	with	ADP
fsr-3538	676	54	“	"	PUNCT
fsr-3538	676	55	i	i	PRON
fsr-3538	676	56	do	do	AUX
fsr-3538	676	57	n’t	not	PART
fsr-3538	676	58	know	know	VERB
fsr-3538	676	59	”	"	PUNCT
fsr-3538	676	60	answers	answer	VERB
fsr-3538	676	61	diff_subj	diff_subj	VERB
fsr-3538	676	62	the	the	DET
fsr-3538	676	63	difference	difference	NOUN
fsr-3538	676	64	between	between	ADP
fsr-3538	676	65	the	the	DET
fsr-3538	676	66	students	student	NOUN
fsr-3538	676	67	’	'	PUNCT
fsr-3538	676	68	preand	preand	VERB
fsr-3538	676	69	post	post	ADJ
fsr-3538	676	70	-	-	ADJ
fsr-3538	676	71	study	study	ADJ
fsr-3538	676	72	scores	score	NOUN
fsr-3538	676	73	(	(	PUNCT
fsr-3538	676	74	post	post	NOUN
fsr-3538	676	75	minus	minus	CCONJ
fsr-3538	676	76	pre	pre	NOUN
fsr-3538	676	77	)	)	PUNCT
fsr-3538	676	78	for	for	ADP
fsr-3538	676	79	the	the	DET
fsr-3538	676	80	subjective	subjective	ADJ
fsr-3538	676	81	questions	question	NOUN
fsr-3538	676	82	.	.	PUNCT
fsr-3538	677	1	diff_obj	diff_obj	VERB
fsr-3538	677	2	the	the	DET
fsr-3538	677	3	difference	difference	NOUN
fsr-3538	677	4	between	between	ADP
fsr-3538	677	5	the	the	DET
fsr-3538	677	6	students	student	NOUN
fsr-3538	677	7	’	'	PUNCT
fsr-3538	677	8	preand	preand	VERB
fsr-3538	677	9	post	post	ADJ
fsr-3538	677	10	-	-	ADJ
fsr-3538	677	11	study	study	ADJ
fsr-3538	677	12	scores	score	NOUN
fsr-3538	677	13	(	(	PUNCT
fsr-3538	677	14	post	post	NOUN
fsr-3538	677	15	minus	minus	CCONJ
fsr-3538	677	16	pre	pre	NOUN
fsr-3538	677	17	)	)	PUNCT
fsr-3538	677	18	for	for	ADP
fsr-3538	677	19	the	the	DET
fsr-3538	677	20	objective	objective	ADJ
fsr-3538	677	21	questions	question	NOUN
fsr-3538	677	22	with	with	ADP
fsr-3538	677	23	correct	correct	ADJ
fsr-3538	677	24	answers	answer	NOUN
fsr-3538	677	25	.	.	PUNCT
fsr-3538	678	1	diff_behav	diff_behav	NOUN
fsr-3538	678	2	the	the	DET
fsr-3538	678	3	difference	difference	NOUN
fsr-3538	678	4	between	between	ADP
fsr-3538	678	5	the	the	DET
fsr-3538	678	6	students	student	NOUN
fsr-3538	678	7	’	'	PUNCT
fsr-3538	678	8	preand	preand	VERB
fsr-3538	678	9	post	post	ADJ
fsr-3538	678	10	-	-	ADJ
fsr-3538	678	11	study	study	ADJ
fsr-3538	678	12	scores	score	NOUN
fsr-3538	678	13	(	(	PUNCT
fsr-3538	678	14	post	post	NOUN
fsr-3538	678	15	minus	minus	CCONJ
fsr-3538	678	16	pre	pre	NOUN
fsr-3538	678	17	)	)	PUNCT
fsr-3538	678	18	for	for	ADP
fsr-3538	678	19	the	the	DET
fsr-3538	678	20	financial	financial	ADJ
fsr-3538	678	21	behavior	behavior	NOUN
fsr-3538	678	22	questions	question	NOUN
fsr-3538	678	23	.	.	PUNCT
fsr-3538	679	1	diff_idk	diff_idk	PROPN
fsr-3538	679	2	the	the	DET
fsr-3538	679	3	difference	difference	NOUN
fsr-3538	679	4	between	between	ADP
fsr-3538	679	5	the	the	DET
fsr-3538	679	6	students	student	NOUN
fsr-3538	679	7	’	'	PUNCT
fsr-3538	679	8	preand	preand	VERB
fsr-3538	679	9	post	post	ADJ
fsr-3538	679	10	-	-	ADJ
fsr-3538	679	11	study	study	ADJ
fsr-3538	679	12	scores	score	NOUN
fsr-3538	679	13	(	(	PUNCT
fsr-3538	679	14	post	post	NOUN
fsr-3538	679	15	minus	minus	CCONJ
fsr-3538	679	16	pre	pre	NOUN
fsr-3538	679	17	)	)	PUNCT
fsr-3538	679	18	for	for	ADP
fsr-3538	679	19	the	the	DET
fsr-3538	679	20	objective	objective	ADJ
fsr-3538	679	21	questions	question	NOUN
fsr-3538	679	22	with	with	ADP
fsr-3538	679	23	“	"	PUNCT
fsr-3538	679	24	i	i	PRON
fsr-3538	679	25	do	do	AUX
fsr-3538	679	26	n’t	not	PART
fsr-3538	679	27	know	know	VERB
fsr-3538	679	28	”	"	PUNCT
fsr-3538	679	29	answers	answer	NOUN
fsr-3538	679	30	.	.	PUNCT
fsr-3538	680	1	independent	independent	ADJ
fsr-3538	680	2	variables	variable	NOUN
fsr-3538	680	3	:	:	PUNCT
fsr-3538	680	4	post	post	VERB
fsr-3538	680	5	a	a	DET
fsr-3538	680	6	dummy	dummy	ADJ
fsr-3538	680	7	variable	variable	NOUN
fsr-3538	680	8	that	that	PRON
fsr-3538	680	9	is	be	AUX
fsr-3538	680	10	equal	equal	ADJ
fsr-3538	680	11	to	to	ADP
fsr-3538	680	12	1	1	NUM
fsr-3538	680	13	if	if	SCONJ
fsr-3538	680	14	it	it	PRON
fsr-3538	680	15	is	be	AUX
fsr-3538	680	16	post	post	ADJ
fsr-3538	680	17	-	-	ADJ
fsr-3538	680	18	survey	survey	NOUN
fsr-3538	680	19	and	and	CCONJ
fsr-3538	680	20	0	0	NUM
fsr-3538	680	21	otherwise	otherwise	ADV
fsr-3538	680	22	.	.	PUNCT
fsr-3538	681	1	post	post	NOUN
fsr-3538	681	2	#	#	NOUN
fsr-3538	681	3	year2020	year2020	PROPN
fsr-3538	681	4	an	an	DET
fsr-3538	681	5	interaction	interaction	NOUN
fsr-3538	681	6	term	term	NOUN
fsr-3538	681	7	of	of	ADP
fsr-3538	681	8	post	post	NOUN
fsr-3538	681	9	and	and	CCONJ
fsr-3538	681	10	year2020	year2020	PROPN
fsr-3538	681	11	dummy	dummy	ADJ
fsr-3538	681	12	variables	variable	NOUN
fsr-3538	681	13	.	.	PUNCT
fsr-3538	682	1	post	post	NOUN
fsr-3538	682	2	#	#	NOUN
fsr-3538	682	3	female	female	NOUN
fsr-3538	682	4	an	an	DET
fsr-3538	682	5	interaction	interaction	NOUN
fsr-3538	682	6	term	term	NOUN
fsr-3538	682	7	of	of	ADP
fsr-3538	682	8	post	post	NOUN
fsr-3538	682	9	and	and	CCONJ
fsr-3538	682	10	female	female	ADJ
fsr-3538	682	11	dummy	dummy	ADJ
fsr-3538	682	12	variables	variable	NOUN
fsr-3538	682	13	.	.	PUNCT
fsr-3538	683	1	sample	sample	NOUN
fsr-3538	683	2	year	year	NOUN
fsr-3538	683	3	:	:	PUNCT
fsr-3538	684	1	year2020	year2020	PROPN
fsr-3538	684	2	a	a	DET
fsr-3538	684	3	dummy	dummy	ADJ
fsr-3538	684	4	variable	variable	NOUN
fsr-3538	684	5	that	that	PRON
fsr-3538	684	6	is	be	AUX
fsr-3538	684	7	equal	equal	ADJ
fsr-3538	684	8	to	to	ADP
fsr-3538	684	9	1	1	NUM
fsr-3538	684	10	if	if	SCONJ
fsr-3538	684	11	the	the	DET
fsr-3538	684	12	survey	survey	NOUN
fsr-3538	684	13	is	be	AUX
fsr-3538	684	14	conducted	conduct	VERB
fsr-3538	684	15	in	in	ADP
fsr-3538	684	16	2020	2020	NUM
fsr-3538	684	17	-	-	SYM
fsr-3538	684	18	2021	2021	NUM
fsr-3538	684	19	.	.	PUNCT
fsr-3538	685	1	gender	gender	NOUN
fsr-3538	685	2	:	:	PUNCT
fsr-3538	685	3	female	female	VERB
fsr-3538	685	4	a	a	DET
fsr-3538	685	5	dummy	dummy	ADJ
fsr-3538	685	6	variable	variable	NOUN
fsr-3538	685	7	that	that	PRON
fsr-3538	685	8	is	be	AUX
fsr-3538	685	9	equal	equal	ADJ
fsr-3538	685	10	to	to	ADP
fsr-3538	685	11	1	1	NUM
fsr-3538	685	12	if	if	SCONJ
fsr-3538	685	13	the	the	DET
fsr-3538	685	14	student	student	NOUN
fsr-3538	685	15	is	be	AUX
fsr-3538	685	16	a	a	DET
fsr-3538	685	17	female	female	ADJ
fsr-3538	685	18	and	and	CCONJ
fsr-3538	685	19	0	0	NUM
fsr-3538	685	20	otherwise	otherwise	ADV
fsr-3538	685	21	.	.	PUNCT
fsr-3538	686	1	grade	grade	NOUN
fsr-3538	686	2	level	level	NOUN
fsr-3538	686	3	:	:	PUNCT
fsr-3538	686	4	upperclass	upperclass	ADJ
fsr-3538	686	5	a	a	DET
fsr-3538	686	6	dummy	dummy	ADJ
fsr-3538	686	7	variable	variable	NOUN
fsr-3538	686	8	that	that	PRON
fsr-3538	686	9	is	be	AUX
fsr-3538	686	10	equal	equal	ADJ
fsr-3538	686	11	to	to	ADP
fsr-3538	686	12	1	1	NUM
fsr-3538	686	13	if	if	SCONJ
fsr-3538	686	14	the	the	DET
fsr-3538	686	15	student	student	NOUN
fsr-3538	686	16	is	be	AUX
fsr-3538	686	17	in	in	ADP
fsr-3538	686	18	grade	grade	NOUN
fsr-3538	686	19	11	11	NUM
fsr-3538	686	20	or	or	CCONJ
fsr-3538	686	21	12	12	NUM
fsr-3538	686	22	and	and	CCONJ
fsr-3538	686	23	0	0	NUM
fsr-3538	686	24	otherwise	otherwise	ADV
fsr-3538	686	25	.	.	PUNCT
fsr-3538	687	1	favorite	favorite	ADJ
fsr-3538	687	2	subject	subject	NOUN
fsr-3538	687	3	:	:	PUNCT
fsr-3538	687	4	english	english	PROPN
fsr-3538	687	5	a	a	DET
fsr-3538	687	6	dummy	dummy	ADJ
fsr-3538	687	7	variable	variable	NOUN
fsr-3538	687	8	that	that	PRON
fsr-3538	687	9	is	be	AUX
fsr-3538	687	10	equal	equal	ADJ
fsr-3538	687	11	to	to	ADP
fsr-3538	687	12	1	1	NUM
fsr-3538	687	13	if	if	SCONJ
fsr-3538	687	14	the	the	DET
fsr-3538	687	15	student	student	NOUN
fsr-3538	687	16	’s	’s	PART
fsr-3538	687	17	favorite	favorite	NOUN
fsr-3538	687	18	is	be	AUX
fsr-3538	687	19	english	english	ADJ
fsr-3538	687	20	and	and	CCONJ
fsr-3538	687	21	0	0	NUM
fsr-3538	687	22	otherwise	otherwise	ADV
fsr-3538	687	23	.	.	PUNCT
fsr-3538	688	1	math	math	PROPN
fsr-3538	688	2	a	a	DET
fsr-3538	688	3	dummy	dummy	ADJ
fsr-3538	688	4	variable	variable	NOUN
fsr-3538	688	5	that	that	PRON
fsr-3538	688	6	is	be	AUX
fsr-3538	688	7	equal	equal	ADJ
fsr-3538	688	8	to	to	ADP
fsr-3538	688	9	1	1	NUM
fsr-3538	688	10	if	if	SCONJ
fsr-3538	688	11	the	the	DET
fsr-3538	688	12	student	student	NOUN
fsr-3538	688	13	’s	’s	PART
fsr-3538	688	14	favorite	favorite	NOUN
fsr-3538	688	15	is	be	AUX
fsr-3538	688	16	math	math	NOUN
fsr-3538	688	17	and	and	CCONJ
fsr-3538	688	18	0	0	NUM
fsr-3538	688	19	otherwise	otherwise	ADV
fsr-3538	688	20	.	.	PUNCT
fsr-3538	689	1	science	science	NOUN
fsr-3538	689	2	a	a	DET
fsr-3538	689	3	dummy	dummy	ADJ
fsr-3538	689	4	variable	variable	NOUN
fsr-3538	689	5	that	that	PRON
fsr-3538	689	6	is	be	AUX
fsr-3538	689	7	equal	equal	ADJ
fsr-3538	689	8	to	to	ADP
fsr-3538	689	9	1	1	NUM
fsr-3538	689	10	if	if	SCONJ
fsr-3538	689	11	the	the	DET
fsr-3538	689	12	student	student	NOUN
fsr-3538	689	13	’s	’s	PART
fsr-3538	689	14	favorite	favorite	NOUN
fsr-3538	689	15	is	be	AUX
fsr-3538	689	16	science	science	NOUN
fsr-3538	689	17	,	,	PUNCT
fsr-3538	689	18	and	and	CCONJ
fsr-3538	689	19	0	0	NUM
fsr-3538	689	20	otherwise	otherwise	ADV
fsr-3538	689	21	.	.	PUNCT
fsr-3538	690	1	favorite	favorite	ADJ
fsr-3538	690	2	learning	learning	NOUN
fsr-3538	690	3	style	style	NOUN
fsr-3538	690	4	:	:	PUNCT
fsr-3538	690	5	lbd	lbd	PROPN
fsr-3538	690	6	a	a	DET
fsr-3538	690	7	dummy	dummy	ADJ
fsr-3538	690	8	variable	variable	NOUN
fsr-3538	690	9	that	that	PRON
fsr-3538	690	10	is	be	AUX
fsr-3538	690	11	equal	equal	ADJ
fsr-3538	690	12	to	to	ADP
fsr-3538	690	13	1	1	NUM
fsr-3538	690	14	if	if	SCONJ
fsr-3538	690	15	the	the	DET
fsr-3538	690	16	student	student	NOUN
fsr-3538	690	17	’s	’s	PART
fsr-3538	690	18	favorite	favorite	ADJ
fsr-3538	690	19	learning	learning	NOUN
fsr-3538	690	20	style	style	NOUN
fsr-3538	690	21	is	be	AUX
fsr-3538	690	22	learning	learn	VERB
fsr-3538	690	23	by	by	ADP
fsr-3538	690	24	doing	do	VERB
fsr-3538	690	25	(	(	PUNCT
fsr-3538	690	26	lbd	lbd	PROPN
fsr-3538	690	27	)	)	PUNCT
fsr-3538	690	28	and	and	CCONJ
fsr-3538	690	29	0	0	NUM
fsr-3538	690	30	otherwise	otherwise	ADV
fsr-3538	690	31	.	.	PUNCT
fsr-3538	691	1	listening	listen	VERB
fsr-3538	691	2	a	a	DET
fsr-3538	691	3	dummy	dummy	ADJ
fsr-3538	691	4	variable	variable	NOUN
fsr-3538	691	5	that	that	PRON
fsr-3538	691	6	is	be	AUX
fsr-3538	691	7	equal	equal	ADJ
fsr-3538	691	8	to	to	ADP
fsr-3538	691	9	1	1	NUM
fsr-3538	691	10	if	if	SCONJ
fsr-3538	691	11	the	the	DET
fsr-3538	691	12	student	student	NOUN
fsr-3538	691	13	’s	’s	PART
fsr-3538	691	14	favorite	favorite	ADJ
fsr-3538	691	15	learning	learning	NOUN
fsr-3538	691	16	style	style	NOUN
fsr-3538	691	17	is	be	AUX
fsr-3538	691	18	listening	listen	VERB
fsr-3538	691	19	and	and	CCONJ
fsr-3538	691	20	0	0	NUM
fsr-3538	691	21	otherwise	otherwise	ADV
fsr-3538	691	22	.	.	PUNCT
fsr-3538	692	1	discussing	discuss	VERB
fsr-3538	692	2	a	a	DET
fsr-3538	692	3	dummy	dummy	ADJ
fsr-3538	692	4	variable	variable	NOUN
fsr-3538	692	5	that	that	PRON
fsr-3538	692	6	is	be	AUX
fsr-3538	692	7	equal	equal	ADJ
fsr-3538	692	8	to	to	ADP
fsr-3538	692	9	1	1	NUM
fsr-3538	692	10	if	if	SCONJ
fsr-3538	692	11	the	the	DET
fsr-3538	692	12	student	student	NOUN
fsr-3538	692	13	’s	’s	PART
fsr-3538	692	14	favorite	favorite	ADJ
fsr-3538	692	15	learning	learning	NOUN
fsr-3538	692	16	style	style	NOUN
fsr-3538	692	17	is	be	AUX
fsr-3538	692	18	discussion	discussion	NOUN
fsr-3538	692	19	and	and	CCONJ
fsr-3538	692	20	0	0	NUM
fsr-3538	692	21	otherwise	otherwise	ADV
fsr-3538	692	22	.	.	PUNCT
fsr-3538	693	1	visual	visual	ADJ
fsr-3538	693	2	a	a	DET
fsr-3538	693	3	dummy	dummy	ADJ
fsr-3538	693	4	variable	variable	NOUN
fsr-3538	693	5	that	that	PRON
fsr-3538	693	6	is	be	AUX
fsr-3538	693	7	equal	equal	ADJ
fsr-3538	693	8	to	to	ADP
fsr-3538	693	9	1	1	NUM
fsr-3538	693	10	if	if	SCONJ
fsr-3538	693	11	the	the	DET
fsr-3538	693	12	student	student	NOUN
fsr-3538	693	13	’s	’s	PART
fsr-3538	693	14	favorite	favorite	ADJ
fsr-3538	693	15	learning	learning	NOUN
fsr-3538	693	16	style	style	NOUN
fsr-3538	693	17	is	be	AUX
fsr-3538	693	18	visualization	visualization	NOUN
fsr-3538	693	19	and	and	CCONJ
fsr-3538	693	20	0	0	NUM
fsr-3538	693	21	otherwise	otherwise	ADV
fsr-3538	693	22	.	.	PUNCT
fsr-3538	694	1	gpa	gpa	PROPN
fsr-3538	694	2	:	:	PUNCT
fsr-3538	694	3	gpa	gpa	PROPN
fsr-3538	694	4	a	a	DET
fsr-3538	694	5	student	student	NOUN
fsr-3538	694	6	’s	’s	PART
fsr-3538	694	7	grade	grade	NOUN
fsr-3538	694	8	point	point	NOUN
fsr-3538	694	9	average	average	NOUN
fsr-3538	694	10	(	(	PUNCT
fsr-3538	694	11	gpa	gpa	PROPN
fsr-3538	694	12	)	)	PUNCT
fsr-3538	694	13	.	.	PUNCT
fsr-3538	695	1	school	school	NOUN
fsr-3538	695	2	district	district	NOUN
fsr-3538	695	3	characteristics	characteristic	NOUN
fsr-3538	695	4	:	:	PUNCT
fsr-3538	695	5	log	log	NOUN
fsr-3538	695	6	(	(	PUNCT
fsr-3538	695	7	population	population	NOUN
fsr-3538	695	8	)	)	PUNCT
fsr-3538	695	9	the	the	DET
fsr-3538	695	10	log	log	NOUN
fsr-3538	695	11	of	of	ADP
fsr-3538	695	12	the	the	DET
fsr-3538	695	13	population	population	NOUN
fsr-3538	695	14	in	in	ADP
fsr-3538	695	15	the	the	DET
fsr-3538	695	16	school	school	NOUN
fsr-3538	695	17	district	district	NOUN
fsr-3538	695	18	.	.	PUNCT
fsr-3538	696	1	log	log	NOUN
fsr-3538	696	2	(	(	PUNCT
fsr-3538	696	3	household_income	household_income	PROPN
fsr-3538	696	4	)	)	PUNCT
fsr-3538	696	5	the	the	DET
fsr-3538	696	6	log	log	NOUN
fsr-3538	696	7	of	of	ADP
fsr-3538	696	8	the	the	DET
fsr-3538	696	9	median	median	ADJ
fsr-3538	696	10	household	household	NOUN
fsr-3538	696	11	income	income	NOUN
fsr-3538	696	12	in	in	ADP
fsr-3538	696	13	the	the	DET
fsr-3538	696	14	school	school	NOUN
fsr-3538	696	15	district	district	NOUN
fsr-3538	696	16	.	.	PUNCT
fsr-3538	697	1	poverty	poverty	NOUN
fsr-3538	697	2	the	the	DET
fsr-3538	697	3	poverty	poverty	NOUN
fsr-3538	697	4	rate	rate	NOUN
fsr-3538	697	5	in	in	ADP
fsr-3538	697	6	the	the	DET
fsr-3538	697	7	school	school	NOUN
fsr-3538	697	8	district	district	NOUN
fsr-3538	697	9	.	.	PUNCT
fsr-3538	698	1	pct_college	pct_college	VERB
fsr-3538	698	2	the	the	DET
fsr-3538	698	3	percentage	percentage	NOUN
fsr-3538	698	4	of	of	ADP
fsr-3538	698	5	residents	resident	NOUN
fsr-3538	698	6	who	who	PRON
fsr-3538	698	7	have	have	AUX
fsr-3538	698	8	attained	attain	VERB
fsr-3538	698	9	bachelor	bachelor	NOUN
fsr-3538	698	10	degree	degree	NOUN
fsr-3538	698	11	or	or	CCONJ
fsr-3538	698	12	higher	high	ADJ
fsr-3538	698	13	.	.	PUNCT
fsr-3538	699	1	g.	g.	NOUN
fsr-3538	699	2	filbeck	filbeck	NOUN
fsr-3538	699	3	and	and	CCONJ
fsr-3538	699	4	x.	x.	NOUN
fsr-3538	699	5	zhao	zhao	PROPN
fsr-3538	699	6	/	/	SYM
fsr-3538	699	7	financial	financial	ADJ
fsr-3538	699	8	services	service	NOUN
fsr-3538	699	9	review	review	VERB
fsr-3538	699	10	31	31	NUM
fsr-3538	699	11	(	(	PUNCT
fsr-3538	699	12	2023	2023	NUM
fsr-3538	699	13	)	)	PUNCT
fsr-3538	699	14	169–196	169–196	NUM
fsr-3538	699	15	191	191	NUM
fsr-3538	699	16	appendix	appendix	NOUN
fsr-3538	699	17	e	e	NOUN
fsr-3538	699	18	table	table	NOUN
fsr-3538	699	19	2a	2a	NUM
fsr-3538	699	20	differences	difference	NOUN
fsr-3538	699	21	based	base	VERB
fsr-3538	699	22	on	on	ADP
fsr-3538	699	23	student	student	NOUN
fsr-3538	699	24	characteristics	characteristic	NOUN
fsr-3538	699	25	:	:	PUNCT
fsr-3538	699	26	pre	pre	ADJ
fsr-3538	699	27	-	-	ADJ
fsr-3538	699	28	survey	survey	ADJ
fsr-3538	699	29	results	result	VERB
fsr-3538	699	30	average	average	ADJ
fsr-3538	699	31	response	response	NOUN
fsr-3538	699	32	gender	gender	NOUN
fsr-3538	699	33	modality	modality	NOUN
fsr-3538	699	34	male	male	ADJ
fsr-3538	699	35	female	female	ADJ
fsr-3538	699	36	inperson	inperson	NOUN
fsr-3538	699	37	online/	online/	NUM
fsr-3538	699	38	hybrid	hybrid	NOUN
fsr-3538	699	39	panel	panel	NOUN
fsr-3538	699	40	a.	a.	NOUN
fsr-3538	699	41	financial	financial	ADJ
fsr-3538	699	42	subjective	subjective	ADJ
fsr-3538	699	43	knowledge	knowledge	NOUN
fsr-3538	699	44	questions	question	NOUN
fsr-3538	699	45	2	2	NUM
fsr-3538	699	46	.	.	PUNCT
fsr-3538	700	1	i	i	PRON
fsr-3538	700	2	understand	understand	VERB
fsr-3538	700	3	how	how	SCONJ
fsr-3538	700	4	to	to	PART
fsr-3538	700	5	establish	establish	VERB
fsr-3538	700	6	a	a	DET
fsr-3538	700	7	financial	financial	ADJ
fsr-3538	700	8	plan	plan	NOUN
fsr-3538	700	9	.	.	PUNCT
fsr-3538	701	1	3.014	3.014	NUM
fsr-3538	701	2	3.083	3.083	NUM
fsr-3538	701	3	2.937	2.937	NUM
fsr-3538	701	4	*	*	PUNCT
fsr-3538	701	5	*	*	PUNCT
fsr-3538	701	6	*	*	PUNCT
fsr-3538	701	7	3.039	3.039	NUM
fsr-3538	701	8	2.956	2.956	NUM
fsr-3538	701	9	*	*	SYM
fsr-3538	701	10	3	3	X
fsr-3538	701	11	.	.	PUNCT
fsr-3538	702	1	i	i	PRON
fsr-3538	702	2	think	think	VERB
fsr-3538	702	3	financial	financial	ADJ
fsr-3538	702	4	literacy	literacy	NOUN
fsr-3538	702	5	is	be	AUX
fsr-3538	702	6	important	important	ADJ
fsr-3538	702	7	for	for	ADP
fsr-3538	702	8	my	my	PRON
fsr-3538	702	9	future	future	NOUN
fsr-3538	702	10	.	.	PUNCT
fsr-3538	703	1	4.379	4.379	NUM
fsr-3538	703	2	4.361	4.361	NUM
fsr-3538	703	3	4.399	4.399	NUM
fsr-3538	703	4	4.365	4.365	NUM
fsr-3538	703	5	4.412	4.412	NUM
fsr-3538	703	6	6	6	NUM
fsr-3538	703	7	.	.	PUNCT
fsr-3538	704	1	i	i	PRON
fsr-3538	704	2	understand	understand	VERB
fsr-3538	704	3	the	the	DET
fsr-3538	704	4	process	process	NOUN
fsr-3538	704	5	by	by	ADP
fsr-3538	704	6	which	which	PRON
fsr-3538	704	7	my	my	PRON
fsr-3538	704	8	parents/	parents/	NOUN
fsr-3538	704	9	guardians	guardian	NOUN
fsr-3538	704	10	make	make	VERB
fsr-3538	704	11	financial	financial	ADJ
fsr-3538	704	12	decisions	decision	NOUN
fsr-3538	704	13	.	.	PUNCT
fsr-3538	705	1	3.360	3.360	NUM
fsr-3538	705	2	3.408	3.408	NUM
fsr-3538	705	3	3.306	3.306	NUM
fsr-3538	705	4	*	*	PUNCT
fsr-3538	705	5	*	*	NOUN
fsr-3538	705	6	3.358	3.358	NUM
fsr-3538	705	7	3.366	3.366	NUM
fsr-3538	705	8	7	7	NUM
fsr-3538	705	9	.	.	PUNCT
fsr-3538	706	1	i	i	PRON
fsr-3538	706	2	know	know	VERB
fsr-3538	706	3	how	how	SCONJ
fsr-3538	706	4	to	to	PART
fsr-3538	706	5	determine	determine	VERB
fsr-3538	706	6	the	the	DET
fsr-3538	706	7	appropriate	appropriate	ADJ
fsr-3538	706	8	total	total	ADJ
fsr-3538	706	9	costs	cost	NOUN
fsr-3538	706	10	associated	associate	VERB
fsr-3538	706	11	with	with	ADP
fsr-3538	706	12	the	the	DET
fsr-3538	706	13	colleges	college	NOUN
fsr-3538	706	14	/	/	SYM
fsr-3538	706	15	universities	university	NOUN
fsr-3538	706	16	i	i	PRON
fsr-3538	706	17	am	be	AUX
fsr-3538	706	18	interested	interested	ADJ
fsr-3538	706	19	in	in	ADP
fsr-3538	706	20	attending	attend	VERB
fsr-3538	706	21	.	.	PUNCT
fsr-3538	707	1	3.044	3.044	NUM
fsr-3538	707	2	3.050	3.050	NUM
fsr-3538	707	3	3.037	3.037	NUM
fsr-3538	707	4	3.086	3.086	NUM
fsr-3538	707	5	2.942	2.942	NUM
fsr-3538	707	6	*	*	PUNCT
fsr-3538	707	7	*	*	PUNCT
fsr-3538	707	8	*	*	NOUN
fsr-3538	707	9	8	8	NUM
fsr-3538	707	10	.	.	PUNCT
fsr-3538	708	1	i	i	PRON
fsr-3538	708	2	understand	understand	VERB
fsr-3538	708	3	the	the	DET
fsr-3538	708	4	process	process	NOUN
fsr-3538	708	5	by	by	ADP
fsr-3538	708	6	which	which	PRON
fsr-3538	708	7	loan	loan	NOUN
fsr-3538	708	8	repayments	repayment	NOUN
fsr-3538	708	9	take	take	VERB
fsr-3538	708	10	place	place	NOUN
fsr-3538	708	11	including	include	VERB
fsr-3538	708	12	the	the	DET
fsr-3538	708	13	impact	impact	NOUN
fsr-3538	708	14	of	of	ADP
fsr-3538	708	15	interest	interest	NOUN
fsr-3538	708	16	,	,	PUNCT
fsr-3538	708	17	delinquency	delinquency	NOUN
fsr-3538	708	18	and	and	CCONJ
fsr-3538	708	19	default	default	NOUN
fsr-3538	708	20	.	.	PUNCT
fsr-3538	709	1	2.758	2.758	NUM
fsr-3538	709	2	2.879	2.879	NUM
fsr-3538	709	3	2.620	2.620	NUM
fsr-3538	709	4	*	*	PUNCT
fsr-3538	709	5	*	*	PUNCT
fsr-3538	709	6	*	*	PUNCT
fsr-3538	709	7	2.743	2.743	NUM
fsr-3538	709	8	2.792	2.792	NUM
fsr-3538	709	9	9	9	NUM
fsr-3538	709	10	.	.	PUNCT
fsr-3538	710	1	i	i	PRON
fsr-3538	710	2	understand	understand	VERB
fsr-3538	710	3	the	the	DET
fsr-3538	710	4	process	process	NOUN
fsr-3538	710	5	by	by	ADP
fsr-3538	710	6	which	which	PRON
fsr-3538	710	7	credit	credit	NOUN
fsr-3538	710	8	card	card	NOUN
fsr-3538	710	9	charges	charge	NOUN
fsr-3538	710	10	and	and	CCONJ
fsr-3538	710	11	repayment	repayment	NOUN
fsr-3538	710	12	schedules	schedule	NOUN
fsr-3538	710	13	can	can	AUX
fsr-3538	710	14	impact	impact	VERB
fsr-3538	710	15	the	the	DET
fsr-3538	710	16	level	level	NOUN
fsr-3538	710	17	of	of	ADP
fsr-3538	710	18	financial	financial	ADJ
fsr-3538	710	19	debt	debt	NOUN
fsr-3538	710	20	levels	level	NOUN
fsr-3538	710	21	.	.	PUNCT
fsr-3538	711	1	3.425	3.425	NUM
fsr-3538	711	2	3.430	3.430	NUM
fsr-3538	711	3	3.419	3.419	NUM
fsr-3538	711	4	3.428	3.428	NUM
fsr-3538	711	5	3.418	3.418	NUM
fsr-3538	711	6	10	10	NUM
fsr-3538	711	7	.	.	PUNCT
fsr-3538	712	1	when	when	SCONJ
fsr-3538	712	2	it	it	PRON
fsr-3538	712	3	comes	come	VERB
fsr-3538	712	4	to	to	ADP
fsr-3538	712	5	purchasing	purchase	VERB
fsr-3538	712	6	a	a	DET
fsr-3538	712	7	car	car	NOUN
fsr-3538	712	8	,	,	PUNCT
fsr-3538	712	9	i	i	PRON
fsr-3538	712	10	know	know	VERB
fsr-3538	712	11	how	how	SCONJ
fsr-3538	712	12	to	to	PART
fsr-3538	712	13	determine	determine	VERB
fsr-3538	712	14	how	how	SCONJ
fsr-3538	712	15	much	much	ADJ
fsr-3538	712	16	of	of	ADP
fsr-3538	712	17	a	a	DET
fsr-3538	712	18	car	car	NOUN
fsr-3538	712	19	i	i	PRON
fsr-3538	712	20	can	can	AUX
fsr-3538	712	21	afford	afford	VERB
fsr-3538	712	22	.	.	PUNCT
fsr-3538	713	1	3.288	3.288	NUM
fsr-3538	713	2	3.403	3.403	NUM
fsr-3538	713	3	3.156	3.156	NUM
fsr-3538	713	4	*	*	PUNCT
fsr-3538	713	5	*	*	PUNCT
fsr-3538	713	6	*	*	PUNCT
fsr-3538	713	7	3.287	3.287	NUM
fsr-3538	713	8	3.290	3.290	NUM
fsr-3538	713	9	11	11	NUM
fsr-3538	713	10	.	.	PUNCT
fsr-3538	714	1	i	i	PRON
fsr-3538	714	2	understand	understand	VERB
fsr-3538	714	3	how	how	SCONJ
fsr-3538	714	4	to	to	PART
fsr-3538	714	5	evaluate	evaluate	VERB
fsr-3538	714	6	the	the	DET
fsr-3538	714	7	cost	cost	NOUN
fsr-3538	714	8	-	-	PUNCT
fsr-3538	714	9	benefit	benefit	NOUN
fsr-3538	714	10	analysis	analysis	NOUN
fsr-3538	714	11	of	of	ADP
fsr-3538	714	12	training	training	NOUN
fsr-3538	714	13	for	for	ADP
fsr-3538	714	14	the	the	DET
fsr-3538	714	15	job	job	NOUN
fsr-3538	714	16	i	i	PRON
fsr-3538	714	17	would	would	AUX
fsr-3538	714	18	like	like	VERB
fsr-3538	714	19	to	to	PART
fsr-3538	714	20	perform	perform	VERB
fsr-3538	714	21	after	after	ADP
fsr-3538	714	22	completing	complete	VERB
fsr-3538	714	23	school	school	NOUN
fsr-3538	714	24	.	.	PUNCT
fsr-3538	715	1	3.022	3.022	NUM
fsr-3538	715	2	3.115	3.115	NUM
fsr-3538	715	3	2.917	2.917	NUM
fsr-3538	715	4	*	*	PUNCT
fsr-3538	715	5	*	*	PUNCT
fsr-3538	715	6	*	*	PUNCT
fsr-3538	715	7	3.015	3.015	NUM
fsr-3538	715	8	3.038	3.038	NUM
fsr-3538	715	9	12	12	NUM
fsr-3538	715	10	.	.	PUNCT
fsr-3538	716	1	i	i	PRON
fsr-3538	716	2	know	know	VERB
fsr-3538	716	3	what	what	PRON
fsr-3538	716	4	a	a	DET
fsr-3538	716	5	roth	roth	PROPN
fsr-3538	716	6	ira	ira	PROPN
fsr-3538	716	7	is	be	AUX
fsr-3538	716	8	and	and	CCONJ
fsr-3538	716	9	how	how	SCONJ
fsr-3538	716	10	it	it	PRON
fsr-3538	716	11	works	work	VERB
fsr-3538	716	12	from	from	ADP
fsr-3538	716	13	a	a	DET
fsr-3538	716	14	taxation	taxation	NOUN
fsr-3538	716	15	standpoint	standpoint	NOUN
fsr-3538	716	16	.	.	PUNCT
fsr-3538	717	1	1.986	1.986	NUM
fsr-3538	717	2	2.093	2.093	NUM
fsr-3538	717	3	1.865	1.865	NUM
fsr-3538	717	4	*	*	PUNCT
fsr-3538	717	5	*	*	PUNCT
fsr-3538	717	6	*	*	PUNCT
fsr-3538	717	7	1.951	1.951	NUM
fsr-3538	717	8	2.072	2.072	NUM
fsr-3538	717	9	*	*	PUNCT
fsr-3538	717	10	*	*	PUNCT
fsr-3538	717	11	*	*	PROPN
fsr-3538	717	12	13	13	NUM
fsr-3538	717	13	.	.	PUNCT
fsr-3538	718	1	i	i	PRON
fsr-3538	718	2	know	know	VERB
fsr-3538	718	3	how	how	SCONJ
fsr-3538	718	4	to	to	PART
fsr-3538	718	5	create	create	VERB
fsr-3538	718	6	a	a	DET
fsr-3538	718	7	savings	savings	NOUN
fsr-3538	718	8	plan	plan	NOUN
fsr-3538	718	9	based	base	VERB
fsr-3538	718	10	on	on	ADP
fsr-3538	718	11	the	the	DET
fsr-3538	718	12	ability	ability	NOUN
fsr-3538	718	13	to	to	PART
fsr-3538	718	14	estimate	estimate	VERB
fsr-3538	718	15	monthly	monthly	ADJ
fsr-3538	718	16	living	living	NOUN
fsr-3538	718	17	expenses	expense	NOUN
fsr-3538	718	18	.	.	PUNCT
fsr-3538	719	1	3.127	3.127	NUM
fsr-3538	719	2	3.160	3.160	NUM
fsr-3538	719	3	3.090	3.090	NUM
fsr-3538	719	4	3.148	3.148	NUM
fsr-3538	719	5	3.077	3.077	NUM
fsr-3538	719	6	14	14	NUM
fsr-3538	719	7	.	.	PUNCT
fsr-3538	720	1	i	i	PRON
fsr-3538	720	2	know	know	VERB
fsr-3538	720	3	how	how	SCONJ
fsr-3538	720	4	to	to	PART
fsr-3538	720	5	plan	plan	VERB
fsr-3538	720	6	financially	financially	ADV
fsr-3538	720	7	for	for	ADP
fsr-3538	720	8	retirement	retirement	NOUN
fsr-3538	720	9	.	.	PUNCT
fsr-3538	721	1	2.629	2.629	NUM
fsr-3538	721	2	2.748	2.748	NUM
fsr-3538	721	3	2.494	2.494	NUM
fsr-3538	721	4	*	*	PUNCT
fsr-3538	721	5	*	*	PUNCT
fsr-3538	721	6	*	*	PUNCT
fsr-3538	721	7	2.621	2.621	NUM
fsr-3538	721	8	2.647	2.647	NUM
fsr-3538	721	9	total	total	ADJ
fsr-3538	721	10	score	score	NOUN
fsr-3538	721	11	for	for	ADP
fsr-3538	721	12	financial	financial	ADJ
fsr-3538	721	13	subjective	subjective	ADJ
fsr-3538	721	14	knowledge	knowledge	NOUN
fsr-3538	721	15	questions	question	NOUN
fsr-3538	721	16	33.928	33.928	NUM
fsr-3538	721	17	34.571	34.571	NUM
fsr-3538	721	18	33.196	33.196	NUM
fsr-3538	721	19	*	*	NOUN
fsr-3538	721	20	*	*	PUNCT
fsr-3538	721	21	*	*	X
fsr-3538	721	22	33.893	33.893	NUM
fsr-3538	721	23	34.010	34.010	NUM
fsr-3538	721	24	panel	panel	NOUN
fsr-3538	721	25	b.	b.	PROPN
fsr-3538	721	26	financial	financial	ADJ
fsr-3538	721	27	behavior	behavior	NOUN
fsr-3538	721	28	questions	question	VERB
fsr-3538	722	1	1	1	X
fsr-3538	722	2	.	.	PUNCT
fsr-3538	723	1	i	i	PRON
fsr-3538	723	2	like	like	VERB
fsr-3538	723	3	to	to	PART
fsr-3538	723	4	save	save	VERB
fsr-3538	723	5	money	money	NOUN
fsr-3538	723	6	more	more	ADJ
fsr-3538	723	7	than	than	SCONJ
fsr-3538	723	8	i	i	PRON
fsr-3538	723	9	like	like	VERB
fsr-3538	723	10	to	to	PART
fsr-3538	723	11	spend	spend	VERB
fsr-3538	723	12	it	it	PRON
fsr-3538	723	13	.	.	PUNCT
fsr-3538	724	1	3.534	3.534	NUM
fsr-3538	724	2	3.587	3.587	NUM
fsr-3538	724	3	3.473	3.473	NUM
fsr-3538	724	4	*	*	PUNCT
fsr-3538	724	5	*	*	PUNCT
fsr-3538	724	6	*	*	PUNCT
fsr-3538	724	7	3.505	3.505	NUM
fsr-3538	724	8	3.603	3.603	NUM
fsr-3538	724	9	*	*	PUNCT
fsr-3538	724	10	*	*	NOUN
fsr-3538	724	11	4	4	X
fsr-3538	724	12	.	.	PUNCT
fsr-3538	725	1	i	i	PRON
fsr-3538	725	2	have	have	VERB
fsr-3538	725	3	a	a	DET
fsr-3538	725	4	checking	checking	NOUN
fsr-3538	725	5	and/or	and/or	CCONJ
fsr-3538	725	6	a	a	DET
fsr-3538	725	7	savings	saving	NOUN
fsr-3538	725	8	account	account	NOUN
fsr-3538	725	9	.	.	PUNCT
fsr-3538	726	1	4.258	4.258	NUM
fsr-3538	726	2	4.238	4.238	NUM
fsr-3538	726	3	4.280	4.280	NUM
fsr-3538	726	4	4.381	4.381	NUM
fsr-3538	726	5	4.003	4.003	NUM
fsr-3538	726	6	*	*	PUNCT
fsr-3538	726	7	*	*	PUNCT
fsr-3538	726	8	*	*	PUNCT
fsr-3538	726	9	5	5	X
fsr-3538	726	10	.	.	PUNCT
fsr-3538	727	1	i	i	PRON
fsr-3538	727	2	have	have	VERB
fsr-3538	727	3	conversations	conversation	NOUN
fsr-3538	727	4	with	with	ADP
fsr-3538	727	5	my	my	PRON
fsr-3538	727	6	parents	parent	NOUN
fsr-3538	727	7	regarding	regard	VERB
fsr-3538	727	8	personal	personal	ADJ
fsr-3538	727	9	finance	finance	NOUN
fsr-3538	727	10	.	.	PUNCT
fsr-3538	728	1	3.460	3.460	NUM
fsr-3538	728	2	3.444	3.444	NUM
fsr-3538	728	3	3.479	3.479	NUM
fsr-3538	728	4	3.418	3.418	NUM
fsr-3538	728	5	3.560	3.560	NUM
fsr-3538	728	6	*	*	PUNCT
fsr-3538	728	7	*	*	PUNCT
fsr-3538	728	8	*	*	PUNCT
fsr-3538	728	9	15	15	NUM
fsr-3538	728	10	.	.	PUNCT
fsr-3538	729	1	i	i	PRON
fsr-3538	729	2	think	think	VERB
fsr-3538	729	3	it	it	PRON
fsr-3538	729	4	is	be	AUX
fsr-3538	729	5	important	important	ADJ
fsr-3538	729	6	to	to	PART
fsr-3538	729	7	contribute	contribute	VERB
fsr-3538	729	8	to	to	ADP
fsr-3538	729	9	a	a	DET
fsr-3538	729	10	retirement	retirement	NOUN
fsr-3538	729	11	plan	plan	NOUN
fsr-3538	729	12	(	(	PUNCT
fsr-3538	729	13	ex	ex	NOUN
fsr-3538	729	14	:	:	PROPN
fsr-3538	729	15	roth	roth	PROPN
fsr-3538	729	16	ira	ira	PROPN
fsr-3538	729	17	,	,	PUNCT
fsr-3538	729	18	401k	401k	PROPN
fsr-3538	729	19	,	,	PUNCT
fsr-3538	729	20	etc	etc	X
fsr-3538	729	21	.	.	X
fsr-3538	729	22	)	)	PUNCT
fsr-3538	729	23	4.085	4.085	NUM
fsr-3538	729	24	4.079	4.079	NUM
fsr-3538	729	25	4.092	4.092	NUM
fsr-3538	729	26	4.083	4.083	NUM
fsr-3538	729	27	4.089	4.089	NUM
fsr-3538	729	28	total	total	ADJ
fsr-3538	729	29	score	score	NOUN
fsr-3538	729	30	for	for	ADP
fsr-3538	729	31	financial	financial	ADJ
fsr-3538	729	32	behavior	behavior	NOUN
fsr-3538	729	33	14.895	14.895	NUM
fsr-3538	729	34	14.835	14.835	NUM
fsr-3538	729	35	14.964	14.964	NUM
fsr-3538	729	36	14.746	14.746	NUM
fsr-3538	729	37	15.254	15.254	NUM
fsr-3538	729	38	*	*	PUNCT
fsr-3538	729	39	*	*	PUNCT
fsr-3538	729	40	*	*	PROPN
fsr-3538	729	41	panel	panel	PROPN
fsr-3538	729	42	c.	c.	PROPN
fsr-3538	729	43	objective	objective	ADJ
fsr-3538	729	44	questions	question	NOUN
fsr-3538	729	45	(	(	PUNCT
fsr-3538	729	46	correct	correct	ADJ
fsr-3538	729	47	answers	answer	NOUN
fsr-3538	729	48	)	)	PUNCT
fsr-3538	729	49	1	1	NUM
fsr-3538	729	50	.	.	PUNCT
fsr-3538	729	51	is	be	AUX
fsr-3538	729	52	it	it	PRON
fsr-3538	729	53	safer	safe	ADJ
fsr-3538	729	54	to	to	PART
fsr-3538	729	55	put	put	VERB
fsr-3538	729	56	your	your	PRON
fsr-3538	729	57	money	money	NOUN
fsr-3538	729	58	into	into	ADP
fsr-3538	729	59	one	one	NUM
fsr-3538	729	60	investment	investment	NOUN
fsr-3538	729	61	or	or	CCONJ
fsr-3538	729	62	put	put	VERB
fsr-3538	729	63	your	your	PRON
fsr-3538	729	64	money	money	NOUN
fsr-3538	729	65	into	into	ADP
fsr-3538	729	66	multiple	multiple	ADJ
fsr-3538	729	67	investments	investment	NOUN
fsr-3538	729	68	?	?	PUNCT
fsr-3538	730	1	0.635	0.635	NUM
fsr-3538	730	2	0.699	0.699	NUM
fsr-3538	730	3	0.569	0.569	NUM
fsr-3538	730	4	*	*	PUNCT
fsr-3538	730	5	*	*	PUNCT
fsr-3538	730	6	*	*	PUNCT
fsr-3538	730	7	0.622	0.622	NUM
fsr-3538	730	8	0.665	0.665	NUM
fsr-3538	730	9	*	*	SYM
fsr-3538	730	10	2	2	NUM
fsr-3538	730	11	.	.	PUNCT
fsr-3538	731	1	if	if	SCONJ
fsr-3538	731	2	you	you	PRON
fsr-3538	731	3	invest	invest	VERB
fsr-3538	731	4	$	$	SYM
fsr-3538	731	5	100	100	NUM
fsr-3538	731	6	in	in	ADP
fsr-3538	731	7	a	a	DET
fsr-3538	731	8	roth	roth	NOUN
fsr-3538	731	9	ira	ira	PROPN
fsr-3538	731	10	and	and	CCONJ
fsr-3538	731	11	earn	earn	VERB
fsr-3538	731	12	10	10	NUM
fsr-3538	731	13	%	%	NOUN
fsr-3538	731	14	per	per	ADP
fsr-3538	731	15	year	year	NOUN
fsr-3538	731	16	for	for	ADP
fsr-3538	731	17	3	3	NUM
fsr-3538	731	18	years	year	NOUN
fsr-3538	731	19	,	,	PUNCT
fsr-3538	731	20	how	how	SCONJ
fsr-3538	731	21	much	much	ADJ
fsr-3538	731	22	would	would	AUX
fsr-3538	731	23	it	it	PRON
fsr-3538	731	24	be	be	AUX
fsr-3538	731	25	worth	worth	ADJ
fsr-3538	731	26	at	at	ADP
fsr-3538	731	27	the	the	DET
fsr-3538	731	28	end	end	NOUN
fsr-3538	731	29	of	of	ADP
fsr-3538	731	30	three	three	NUM
fsr-3538	731	31	years	year	NOUN
fsr-3538	731	32	.	.	PUNCT
fsr-3538	732	1	0.298	0.298	NUM
fsr-3538	732	2	0.352	0.352	NUM
fsr-3538	732	3	0.238	0.238	NUM
fsr-3538	732	4	*	*	PUNCT
fsr-3538	732	5	*	*	PUNCT
fsr-3538	732	6	*	*	PUNCT
fsr-3538	732	7	0.291	0.291	NUM
fsr-3538	732	8	0.315	0.315	NUM
fsr-3538	732	9	3	3	NUM
fsr-3538	732	10	.	.	PUNCT
fsr-3538	733	1	if	if	SCONJ
fsr-3538	733	2	you	you	PRON
fsr-3538	733	3	use	use	VERB
fsr-3538	733	4	a	a	DET
fsr-3538	733	5	credit	credit	NOUN
fsr-3538	733	6	card	card	NOUN
fsr-3538	733	7	in	in	ADP
fsr-3538	733	8	january	january	PROPN
fsr-3538	733	9	for	for	ADP
fsr-3538	733	10	a	a	DET
fsr-3538	733	11	total	total	NOUN
fsr-3538	733	12	of	of	ADP
fsr-3538	733	13	$	$	SYM
fsr-3538	733	14	300	300	NUM
fsr-3538	733	15	,	,	PUNCT
fsr-3538	733	16	which	which	DET
fsr-3538	733	17	payment	payment	NOUN
fsr-3538	733	18	option	option	NOUN
fsr-3538	733	19	will	will	AUX
fsr-3538	733	20	result	result	VERB
fsr-3538	733	21	in	in	ADP
fsr-3538	733	22	the	the	DET
fsr-3538	733	23	lowest	low	ADJ
fsr-3538	733	24	amount	amount	NOUN
fsr-3538	733	25	of	of	ADP
fsr-3538	733	26	overall	overall	ADJ
fsr-3538	733	27	interest	interest	NOUN
fsr-3538	733	28	paid	pay	VERB
fsr-3538	733	29	.	.	PUNCT
fsr-3538	734	1	0.501	0.501	NUM
fsr-3538	734	2	0.533	0.533	NUM
fsr-3538	734	3	0.469	0.469	NOUN
fsr-3538	734	4	*	*	PUNCT
fsr-3538	734	5	*	*	PUNCT
fsr-3538	734	6	*	*	PUNCT
fsr-3538	734	7	0.496	0.496	NUM
fsr-3538	734	8	0.513	0.513	NUM
fsr-3538	734	9	(	(	PUNCT
fsr-3538	734	10	continued	continue	VERB
fsr-3538	734	11	on	on	ADP
fsr-3538	734	12	next	next	ADJ
fsr-3538	734	13	page	page	NOUN
fsr-3538	734	14	)	)	PUNCT
fsr-3538	734	15	192	192	NUM
fsr-3538	734	16	g.	g.	NOUN
fsr-3538	734	17	filbeck	filbeck	NOUN
fsr-3538	734	18	and	and	CCONJ
fsr-3538	734	19	x.	x.	NOUN
fsr-3538	734	20	zhao	zhao	PROPN
fsr-3538	734	21	/	/	SYM
fsr-3538	734	22	financial	financial	ADJ
fsr-3538	734	23	services	service	NOUN
fsr-3538	734	24	review	review	VERB
fsr-3538	734	25	31	31	NUM
fsr-3538	734	26	(	(	PUNCT
fsr-3538	734	27	2023	2023	NUM
fsr-3538	734	28	)	)	PUNCT
fsr-3538	734	29	169–196	169–196	NUM
fsr-3538	734	30	table	table	NOUN
fsr-3538	734	31	2a	2a	NUM
fsr-3538	734	32	(	(	PUNCT
fsr-3538	734	33	continued	continued	ADJ
fsr-3538	734	34	)	)	PUNCT
fsr-3538	734	35	average	average	ADJ
fsr-3538	734	36	response	response	NOUN
fsr-3538	734	37	gender	gender	NOUN
fsr-3538	734	38	modality	modality	NOUN
fsr-3538	734	39	male	male	ADJ
fsr-3538	734	40	female	female	ADJ
fsr-3538	734	41	inperson	inperson	NOUN
fsr-3538	734	42	online/	online/	NUM
fsr-3538	734	43	hybrid	hybrid	NOUN
fsr-3538	734	44	4	4	NUM
fsr-3538	734	45	.	.	PUNCT
fsr-3538	735	1	suppose	suppose	VERB
fsr-3538	735	2	you	you	PRON
fsr-3538	735	3	decide	decide	VERB
fsr-3538	735	4	to	to	PART
fsr-3538	735	5	buy	buy	VERB
fsr-3538	735	6	a	a	DET
fsr-3538	735	7	bmw	bmw	NOUN
fsr-3538	735	8	for	for	ADP
fsr-3538	735	9	$	$	SYM
fsr-3538	735	10	50,000	50,000	NUM
fsr-3538	735	11	.	.	PUNCT
fsr-3538	736	1	if	if	SCONJ
fsr-3538	736	2	you	you	PRON
fsr-3538	736	3	take	take	VERB
fsr-3538	736	4	out	out	ADP
fsr-3538	736	5	an	an	DET
fsr-3538	736	6	auto	auto	NOUN
fsr-3538	736	7	loan	loan	NOUN
fsr-3538	736	8	for	for	ADP
fsr-3538	736	9	5	5	NUM
fsr-3538	736	10	years	year	NOUN
fsr-3538	736	11	with	with	ADP
fsr-3538	736	12	5	5	NUM
fsr-3538	736	13	%	%	NOUN
fsr-3538	736	14	interest	interest	NOUN
fsr-3538	736	15	,	,	PUNCT
fsr-3538	736	16	how	how	SCONJ
fsr-3538	736	17	much	much	ADJ
fsr-3538	736	18	total	total	NOUN
fsr-3538	736	19	will	will	AUX
fsr-3538	736	20	you	you	PRON
fsr-3538	736	21	pay	pay	VERB
fsr-3538	736	22	per	per	ADP
fsr-3538	736	23	year	year	NOUN
fsr-3538	736	24	?	?	PUNCT
fsr-3538	737	1	0.439	0.439	NUM
fsr-3538	737	2	0.500	0.500	NUM
fsr-3538	737	3	0.375	0.375	NUM
fsr-3538	737	4	*	*	PUNCT
fsr-3538	737	5	*	*	PUNCT
fsr-3538	737	6	*	*	PUNCT
fsr-3538	737	7	0.432	0.432	NUM
fsr-3538	737	8	0.456	0.456	NUM
fsr-3538	737	9	5	5	NUM
fsr-3538	737	10	.	.	PUNCT
fsr-3538	738	1	in	in	ADP
fsr-3538	738	2	the	the	DET
fsr-3538	738	3	future	future	NOUN
fsr-3538	738	4	,	,	PUNCT
fsr-3538	738	5	the	the	DET
fsr-3538	738	6	cost	cost	NOUN
fsr-3538	738	7	of	of	ADP
fsr-3538	738	8	things	thing	NOUN
fsr-3538	738	9	you	you	PRON
fsr-3538	738	10	buy	buy	VERB
fsr-3538	738	11	doubles	double	NOUN
fsr-3538	738	12	and	and	CCONJ
fsr-3538	738	13	your	your	PRON
fsr-3538	738	14	income	income	NOUN
fsr-3538	738	15	also	also	ADV
fsr-3538	738	16	doubles	double	VERB
fsr-3538	738	17	.	.	PUNCT
fsr-3538	739	1	how	how	SCONJ
fsr-3538	739	2	much	much	ADJ
fsr-3538	739	3	will	will	AUX
fsr-3538	739	4	you	you	PRON
fsr-3538	739	5	be	be	AUX
fsr-3538	739	6	able	able	ADJ
fsr-3538	739	7	to	to	PART
fsr-3538	739	8	buy	buy	VERB
fsr-3538	739	9	in	in	ADP
fsr-3538	739	10	the	the	DET
fsr-3538	739	11	future	future	NOUN
fsr-3538	739	12	in	in	ADP
fsr-3538	739	13	comparison	comparison	NOUN
fsr-3538	739	14	to	to	ADP
fsr-3538	739	15	today	today	NOUN
fsr-3538	739	16	?	?	PUNCT
fsr-3538	740	1	0.567	0.567	NUM
fsr-3538	740	2	0.602	0.602	NUM
fsr-3538	740	3	0.534	0.534	NUM
fsr-3538	740	4	*	*	PUNCT
fsr-3538	740	5	*	*	PUNCT
fsr-3538	740	6	*	*	NOUN
fsr-3538	740	7	0.560	0.560	NUM
fsr-3538	740	8	0.585	0.585	NUM
fsr-3538	740	9	6	6	NUM
fsr-3538	740	10	.	.	PUNCT
fsr-3538	740	11	suppose	suppose	VERB
fsr-3538	740	12	you	you	PRON
fsr-3538	740	13	have	have	VERB
fsr-3538	740	14	$	$	SYM
fsr-3538	740	15	30,000	30,000	NUM
fsr-3538	740	16	in	in	ADP
fsr-3538	740	17	student	student	NOUN
fsr-3538	740	18	loans	loan	NOUN
fsr-3538	740	19	.	.	PUNCT
fsr-3538	741	1	which	which	DET
fsr-3538	741	2	payment	payment	NOUN
fsr-3538	741	3	option	option	NOUN
fsr-3538	741	4	would	would	AUX
fsr-3538	741	5	result	result	VERB
fsr-3538	741	6	in	in	ADP
fsr-3538	741	7	the	the	DET
fsr-3538	741	8	lowest	low	ADJ
fsr-3538	741	9	amount	amount	NOUN
fsr-3538	741	10	of	of	ADP
fsr-3538	741	11	overall	overall	ADJ
fsr-3538	741	12	interest	interest	NOUN
fsr-3538	741	13	paid	pay	VERB
fsr-3538	741	14	?	?	PUNCT
fsr-3538	741	15	0.543	0.543	NUM
fsr-3538	741	16	0.567	0.567	NUM
fsr-3538	741	17	0.521	0.521	NUM
fsr-3538	741	18	*	*	SYM
fsr-3538	741	19	*	*	PUNCT
fsr-3538	741	20	0.533	0.533	NUM
fsr-3538	741	21	0.567	0.567	NUM
fsr-3538	741	22	total	total	ADJ
fsr-3538	741	23	score	score	NOUN
fsr-3538	741	24	for	for	ADP
fsr-3538	741	25	objective	objective	ADJ
fsr-3538	741	26	questions	question	NOUN
fsr-3538	741	27	(	(	PUNCT
fsr-3538	741	28	correct	correct	ADJ
fsr-3538	741	29	answers	answer	NOUN
fsr-3538	741	30	)	)	PUNCT
fsr-3538	741	31	2.982	2.982	NUM
fsr-3538	741	32	3.253	3.253	NUM
fsr-3538	741	33	2.707	2.707	NUM
fsr-3538	741	34	*	*	PUNCT
fsr-3538	741	35	*	*	PUNCT
fsr-3538	741	36	*	*	PUNCT
fsr-3538	741	37	2.934	2.934	NUM
fsr-3538	741	38	3.100	3.100	NUM
fsr-3538	741	39	*	*	PUNCT
fsr-3538	741	40	*	*	PROPN
fsr-3538	741	41	panel	panel	NOUN
fsr-3538	741	42	d.	d.	PROPN
fsr-3538	741	43	objective	objective	ADJ
fsr-3538	741	44	questions	question	NOUN
fsr-3538	741	45	(	(	PUNCT
fsr-3538	741	46	“	"	PUNCT
fsr-3538	741	47	i	i	PRON
fsr-3538	741	48	do	do	AUX
fsr-3538	741	49	n’t	not	PART
fsr-3538	741	50	know	know	VERB
fsr-3538	741	51	”	"	PUNCT
fsr-3538	741	52	answers	answer	NOUN
fsr-3538	741	53	)	)	PUNCT
fsr-3538	741	54	1	1	NUM
fsr-3538	741	55	.	.	PUNCT
fsr-3538	741	56	is	be	AUX
fsr-3538	741	57	it	it	PRON
fsr-3538	741	58	safer	safe	ADJ
fsr-3538	741	59	to	to	PART
fsr-3538	741	60	put	put	VERB
fsr-3538	741	61	your	your	PRON
fsr-3538	741	62	money	money	NOUN
fsr-3538	741	63	into	into	ADP
fsr-3538	741	64	one	one	NUM
fsr-3538	741	65	investment	investment	NOUN
fsr-3538	741	66	or	or	CCONJ
fsr-3538	741	67	put	put	VERB
fsr-3538	741	68	your	your	PRON
fsr-3538	741	69	money	money	NOUN
fsr-3538	741	70	into	into	ADP
fsr-3538	741	71	multiple	multiple	ADJ
fsr-3538	741	72	investments	investment	NOUN
fsr-3538	741	73	?	?	PUNCT
fsr-3538	742	1	0.251	0.251	NUM
fsr-3538	742	2	0.191	0.191	NUM
fsr-3538	742	3	0.322	0.322	NUM
fsr-3538	742	4	*	*	PUNCT
fsr-3538	742	5	*	*	PUNCT
fsr-3538	742	6	*	*	PUNCT
fsr-3538	742	7	0.263	0.263	NUM
fsr-3538	742	8	0.222	0.222	NUM
fsr-3538	742	9	*	*	NOUN
fsr-3538	742	10	*	*	PROPN
fsr-3538	742	11	2	2	X
fsr-3538	742	12	.	.	PUNCT
fsr-3538	742	13	if	if	SCONJ
fsr-3538	742	14	you	you	PRON
fsr-3538	742	15	invest	invest	VERB
fsr-3538	742	16	$	$	SYM
fsr-3538	742	17	100	100	NUM
fsr-3538	742	18	in	in	ADP
fsr-3538	742	19	a	a	DET
fsr-3538	742	20	roth	roth	NOUN
fsr-3538	742	21	ira	ira	PROPN
fsr-3538	742	22	and	and	CCONJ
fsr-3538	742	23	earn	earn	VERB
fsr-3538	742	24	10	10	NUM
fsr-3538	742	25	%	%	NOUN
fsr-3538	742	26	per	per	ADP
fsr-3538	742	27	year	year	NOUN
fsr-3538	742	28	for	for	ADP
fsr-3538	742	29	3	3	NUM
fsr-3538	742	30	years	year	NOUN
fsr-3538	742	31	,	,	PUNCT
fsr-3538	742	32	how	how	SCONJ
fsr-3538	742	33	much	much	ADJ
fsr-3538	742	34	would	would	AUX
fsr-3538	742	35	it	it	PRON
fsr-3538	742	36	be	be	AUX
fsr-3538	742	37	worth	worth	ADJ
fsr-3538	742	38	at	at	ADP
fsr-3538	742	39	the	the	DET
fsr-3538	742	40	end	end	NOUN
fsr-3538	742	41	of	of	ADP
fsr-3538	742	42	three	three	NUM
fsr-3538	742	43	years	year	NOUN
fsr-3538	742	44	.	.	PUNCT
fsr-3538	743	1	0.334	0.334	NUM
fsr-3538	743	2	0.259	0.259	NUM
fsr-3538	743	3	0.424	0.424	NUM
fsr-3538	743	4	*	*	PUNCT
fsr-3538	743	5	*	*	PUNCT
fsr-3538	743	6	*	*	PUNCT
fsr-3538	743	7	0.345	0.345	NUM
fsr-3538	743	8	0.307	0.307	NUM
fsr-3538	743	9	*	*	SYM
fsr-3538	743	10	3	3	X
fsr-3538	743	11	.	.	PUNCT
fsr-3538	744	1	if	if	SCONJ
fsr-3538	744	2	you	you	PRON
fsr-3538	744	3	use	use	VERB
fsr-3538	744	4	a	a	DET
fsr-3538	744	5	credit	credit	NOUN
fsr-3538	744	6	card	card	NOUN
fsr-3538	744	7	in	in	ADP
fsr-3538	744	8	january	january	PROPN
fsr-3538	744	9	for	for	ADP
fsr-3538	744	10	a	a	DET
fsr-3538	744	11	total	total	NOUN
fsr-3538	744	12	of	of	ADP
fsr-3538	744	13	$	$	SYM
fsr-3538	744	14	300	300	NUM
fsr-3538	744	15	,	,	PUNCT
fsr-3538	744	16	which	which	DET
fsr-3538	744	17	payment	payment	NOUN
fsr-3538	744	18	option	option	NOUN
fsr-3538	744	19	will	will	AUX
fsr-3538	744	20	result	result	VERB
fsr-3538	744	21	in	in	ADP
fsr-3538	744	22	the	the	DET
fsr-3538	744	23	lowest	low	ADJ
fsr-3538	744	24	amount	amount	NOUN
fsr-3538	744	25	of	of	ADP
fsr-3538	744	26	overall	overall	ADJ
fsr-3538	744	27	interest	interest	NOUN
fsr-3538	744	28	paid	pay	VERB
fsr-3538	744	29	.	.	PUNCT
fsr-3538	745	1	0.337	0.337	NUM
fsr-3538	745	2	0.321	0.321	NUM
fsr-3538	745	3	0.358	0.358	NUM
fsr-3538	745	4	*	*	NUM
fsr-3538	745	5	0.340	0.340	NUM
fsr-3538	745	6	0.328	0.328	NUM
fsr-3538	745	7	4	4	NUM
fsr-3538	745	8	.	.	PUNCT
fsr-3538	745	9	suppose	suppose	VERB
fsr-3538	745	10	you	you	PRON
fsr-3538	745	11	decide	decide	VERB
fsr-3538	745	12	to	to	PART
fsr-3538	745	13	buy	buy	VERB
fsr-3538	745	14	a	a	DET
fsr-3538	745	15	bmw	bmw	NOUN
fsr-3538	745	16	for	for	ADP
fsr-3538	745	17	$	$	SYM
fsr-3538	745	18	50,000	50,000	NUM
fsr-3538	745	19	.	.	PUNCT
fsr-3538	746	1	if	if	SCONJ
fsr-3538	746	2	you	you	PRON
fsr-3538	746	3	take	take	VERB
fsr-3538	746	4	out	out	ADP
fsr-3538	746	5	an	an	DET
fsr-3538	746	6	auto	auto	NOUN
fsr-3538	746	7	loan	loan	NOUN
fsr-3538	746	8	for	for	ADP
fsr-3538	746	9	5	5	NUM
fsr-3538	746	10	years	year	NOUN
fsr-3538	746	11	with	with	ADP
fsr-3538	746	12	5	5	NUM
fsr-3538	746	13	%	%	NOUN
fsr-3538	746	14	interest	interest	NOUN
fsr-3538	746	15	,	,	PUNCT
fsr-3538	746	16	how	how	SCONJ
fsr-3538	746	17	much	much	ADJ
fsr-3538	746	18	total	total	NOUN
fsr-3538	746	19	will	will	AUX
fsr-3538	746	20	you	you	PRON
fsr-3538	746	21	pay	pay	VERB
fsr-3538	746	22	per	per	ADP
fsr-3538	746	23	year	year	NOUN
fsr-3538	746	24	?	?	PUNCT
fsr-3538	747	1	0.290	0.290	NUM
fsr-3538	747	2	0.226	0.226	NUM
fsr-3538	747	3	0.366	0.366	NUM
fsr-3538	747	4	*	*	PUNCT
fsr-3538	747	5	*	*	PUNCT
fsr-3538	747	6	*	*	PUNCT
fsr-3538	747	7	0.295	0.295	NUM
fsr-3538	747	8	0.278	0.278	NUM
fsr-3538	747	9	5	5	NUM
fsr-3538	747	10	.	.	PUNCT
fsr-3538	748	1	in	in	ADP
fsr-3538	748	2	the	the	DET
fsr-3538	748	3	future	future	NOUN
fsr-3538	748	4	,	,	PUNCT
fsr-3538	748	5	the	the	DET
fsr-3538	748	6	cost	cost	NOUN
fsr-3538	748	7	of	of	ADP
fsr-3538	748	8	things	thing	NOUN
fsr-3538	748	9	you	you	PRON
fsr-3538	748	10	buy	buy	VERB
fsr-3538	748	11	doubles	double	NOUN
fsr-3538	748	12	and	and	CCONJ
fsr-3538	748	13	your	your	PRON
fsr-3538	748	14	income	income	NOUN
fsr-3538	748	15	also	also	ADV
fsr-3538	748	16	doubles	double	VERB
fsr-3538	748	17	.	.	PUNCT
fsr-3538	749	1	how	how	SCONJ
fsr-3538	749	2	much	much	ADJ
fsr-3538	749	3	will	will	AUX
fsr-3538	749	4	you	you	PRON
fsr-3538	749	5	be	be	AUX
fsr-3538	749	6	able	able	ADJ
fsr-3538	749	7	to	to	PART
fsr-3538	749	8	buy	buy	VERB
fsr-3538	749	9	in	in	ADP
fsr-3538	749	10	the	the	DET
fsr-3538	749	11	future	future	NOUN
fsr-3538	749	12	in	in	ADP
fsr-3538	749	13	comparison	comparison	NOUN
fsr-3538	749	14	to	to	ADP
fsr-3538	749	15	today	today	NOUN
fsr-3538	749	16	?	?	PUNCT
fsr-3538	750	1	0.176	0.176	NUM
fsr-3538	750	2	0.161	0.161	NUM
fsr-3538	750	3	0.194	0.194	NUM
fsr-3538	750	4	*	*	PUNCT
fsr-3538	750	5	*	*	PUNCT
fsr-3538	750	6	0.186	0.186	NUM
fsr-3538	750	7	0.151	0.151	NUM
fsr-3538	750	8	*	*	SYM
fsr-3538	750	9	*	*	NOUN
fsr-3538	750	10	6	6	NUM
fsr-3538	750	11	.	.	PUNCT
fsr-3538	750	12	suppose	suppose	VERB
fsr-3538	750	13	you	you	PRON
fsr-3538	750	14	have	have	VERB
fsr-3538	750	15	$	$	SYM
fsr-3538	750	16	30,000	30,000	NUM
fsr-3538	750	17	in	in	ADP
fsr-3538	750	18	student	student	NOUN
fsr-3538	750	19	loans	loan	NOUN
fsr-3538	750	20	.	.	PUNCT
fsr-3538	751	1	which	which	DET
fsr-3538	751	2	payment	payment	NOUN
fsr-3538	751	3	option	option	NOUN
fsr-3538	751	4	would	would	AUX
fsr-3538	751	5	result	result	VERB
fsr-3538	751	6	in	in	ADP
fsr-3538	751	7	the	the	DET
fsr-3538	751	8	lowest	low	ADJ
fsr-3538	751	9	amount	amount	NOUN
fsr-3538	751	10	of	of	ADP
fsr-3538	751	11	overall	overall	ADJ
fsr-3538	751	12	interest	interest	NOUN
fsr-3538	751	13	paid	pay	VERB
fsr-3538	751	14	?	?	PUNCT
fsr-3538	752	1	0.279	0.279	NUM
fsr-3538	752	2	0.252	0.252	NUM
fsr-3538	752	3	0.313	0.313	NUM
fsr-3538	752	4	*	*	PUNCT
fsr-3538	752	5	*	*	PUNCT
fsr-3538	752	6	*	*	NOUN
fsr-3538	752	7	0.287	0.287	NUM
fsr-3538	752	8	0.260	0.260	NUM
fsr-3538	752	9	0.000	0.000	NUM
fsr-3538	752	10	total	total	ADJ
fsr-3538	752	11	score	score	NOUN
fsr-3538	752	12	for	for	ADP
fsr-3538	752	13	objective	objective	ADJ
fsr-3538	752	14	questions	question	NOUN
fsr-3538	752	15	(	(	PUNCT
fsr-3538	752	16	“	"	PUNCT
fsr-3538	752	17	i	i	PRON
fsr-3538	752	18	do	do	AUX
fsr-3538	752	19	n’t	not	PART
fsr-3538	752	20	know	know	VERB
fsr-3538	752	21	”	"	PUNCT
fsr-3538	752	22	answers	answer	NOUN
fsr-3538	752	23	)	)	PUNCT
fsr-3538	752	24	1.667	1.667	NUM
fsr-3538	752	25	1.411	1.411	NUM
fsr-3538	752	26	1.977	1.977	NUM
fsr-3538	752	27	*	*	PUNCT
fsr-3538	752	28	*	*	PUNCT
fsr-3538	752	29	*	*	PUNCT
fsr-3538	752	30	1.717	1.717	NUM
fsr-3538	752	31	1.545	1.545	NUM
fsr-3538	752	32	*	*	PUNCT
fsr-3538	752	33	*	*	PUNCT
fsr-3538	752	34	note	note	NOUN
fsr-3538	752	35	.	.	PUNCT
fsr-3538	753	1	table	table	NOUN
fsr-3538	753	2	2a	2a	PROPN
fsr-3538	753	3	shows	show	VERB
fsr-3538	753	4	the	the	DET
fsr-3538	753	5	differences	difference	NOUN
fsr-3538	753	6	of	of	ADP
fsr-3538	753	7	pre	pre	ADJ
fsr-3538	753	8	-	-	ADJ
fsr-3538	753	9	survey	survey	ADJ
fsr-3538	753	10	student	student	NOUN
fsr-3538	753	11	responses	response	NOUN
fsr-3538	753	12	on	on	ADP
fsr-3538	753	13	financial	financial	ADJ
fsr-3538	753	14	knowledge	knowledge	NOUN
fsr-3538	753	15	,	,	PUNCT
fsr-3538	753	16	financial	financial	ADJ
fsr-3538	753	17	behavioral	behavioral	NOUN
fsr-3538	753	18	,	,	PUNCT
fsr-3538	753	19	and	and	CCONJ
fsr-3538	753	20	objective	objective	ADJ
fsr-3538	753	21	questions	question	NOUN
fsr-3538	753	22	across	across	ADP
fsr-3538	753	23	different	different	ADJ
fsr-3538	753	24	gender	gender	NOUN
fsr-3538	753	25	and	and	CCONJ
fsr-3538	753	26	gpas	gpa	NOUN
fsr-3538	753	27	for	for	ADP
fsr-3538	753	28	the	the	DET
fsr-3538	753	29	whole	whole	ADJ
fsr-3538	753	30	sample	sample	NOUN
fsr-3538	753	31	.	.	PUNCT
fsr-3538	754	1	gender	gender	NOUN
fsr-3538	754	2	is	be	AUX
fsr-3538	754	3	identified	identify	VERB
fsr-3538	754	4	as	as	ADP
fsr-3538	754	5	a	a	DET
fsr-3538	754	6	dummy	dummy	ADJ
fsr-3538	754	7	variable	variable	NOUN
fsr-3538	754	8	equal	equal	ADJ
fsr-3538	754	9	to	to	ADP
fsr-3538	754	10	1	1	NUM
fsr-3538	754	11	if	if	SCONJ
fsr-3538	754	12	the	the	DET
fsr-3538	754	13	student	student	NOUN
fsr-3538	754	14	is	be	AUX
fsr-3538	754	15	female	female	ADJ
fsr-3538	754	16	and	and	CCONJ
fsr-3538	754	17	0	0	NUM
fsr-3538	754	18	otherwise	otherwise	ADV
fsr-3538	754	19	.	.	PUNCT
fsr-3538	755	1	modality	modality	NOUN
fsr-3538	755	2	is	be	AUX
fsr-3538	755	3	denoted	denote	VERB
fsr-3538	755	4	as	as	ADP
fsr-3538	755	5	a	a	DET
fsr-3538	755	6	dummy	dummy	ADJ
fsr-3538	755	7	variable	variable	NOUN
fsr-3538	755	8	equal	equal	ADJ
fsr-3538	755	9	to	to	ADP
fsr-3538	755	10	one	one	NUM
fsr-3538	755	11	if	if	SCONJ
fsr-3538	755	12	the	the	DET
fsr-3538	755	13	sample	sample	NOUN
fsr-3538	755	14	comes	come	VERB
fsr-3538	755	15	from	from	ADP
fsr-3538	755	16	an	an	DET
fsr-3538	755	17	online	online	ADJ
fsr-3538	755	18	/	/	SYM
fsr-3538	755	19	hybrid	hybrid	NOUN
fsr-3538	755	20	modality	modality	NOUN
fsr-3538	755	21	,	,	PUNCT
fsr-3538	755	22	the	the	DET
fsr-3538	755	23	2020	2020	NUM
fsr-3538	755	24	-	-	SYM
fsr-3538	755	25	2021	2021	NUM
fsr-3538	755	26	sample	sample	NOUN
fsr-3538	755	27	,	,	PUNCT
fsr-3538	755	28	otherwise	otherwise	ADV
fsr-3538	755	29	,	,	PUNCT
fsr-3538	755	30	the	the	DET
fsr-3538	755	31	dummy	dummy	ADJ
fsr-3538	755	32	variable	variable	NOUN
fsr-3538	755	33	is	be	AUX
fsr-3538	755	34	zero	zero	NUM
fsr-3538	755	35	,	,	PUNCT
fsr-3538	755	36	indicating	indicate	VERB
fsr-3538	755	37	an	an	DET
fsr-3538	755	38	in	in	ADP
fsr-3538	755	39	-	-	PUNCT
fsr-3538	755	40	person	person	NOUN
fsr-3538	755	41	structure	structure	NOUN
fsr-3538	755	42	based	base	VERB
fsr-3538	755	43	on	on	ADP
fsr-3538	755	44	the	the	DET
fsr-3538	755	45	sample	sample	NOUN
fsr-3538	755	46	from	from	ADP
fsr-3538	755	47	2017	2017	NUM
fsr-3538	755	48	to	to	ADP
fsr-3538	755	49	2019	2019	NUM
fsr-3538	755	50	.	.	PUNCT
fsr-3538	756	1	we	we	PRON
fsr-3538	756	2	also	also	ADV
fsr-3538	756	3	conduct	conduct	VERB
fsr-3538	756	4	a	a	DET
fsr-3538	756	5	ttest	tt	ADJ
fsr-3538	756	6	to	to	PART
fsr-3538	756	7	test	test	VERB
fsr-3538	756	8	the	the	DET
fsr-3538	756	9	differences	difference	NOUN
fsr-3538	756	10	in	in	ADP
fsr-3538	756	11	gender	gender	NOUN
fsr-3538	756	12	(	(	PUNCT
fsr-3538	756	13	i.e.	i.e.	X
fsr-3538	756	14	,	,	PUNCT
fsr-3538	756	15	male	male	ADJ
fsr-3538	756	16	vs.	vs.	X
fsr-3538	756	17	female	female	NOUN
fsr-3538	756	18	)	)	PUNCT
fsr-3538	756	19	and	and	CCONJ
fsr-3538	756	20	modality	modality	NOUN
fsr-3538	756	21	(	(	PUNCT
fsr-3538	756	22	in	in	ADP
fsr-3538	756	23	-	-	PUNCT
fsr-3538	756	24	person	person	NOUN
fsr-3538	756	25	vs.	vs.	ADP
fsr-3538	756	26	online	online	NOUN
fsr-3538	756	27	/	/	SYM
fsr-3538	756	28	hybrid	hybrid	NOUN
fsr-3538	756	29	)	)	PUNCT
fsr-3538	756	30	.	.	PUNCT
fsr-3538	757	1	we	we	PRON
fsr-3538	757	2	use	use	VERB
fsr-3538	757	3	asterisks	asterisk	NOUN
fsr-3538	757	4	to	to	PART
fsr-3538	757	5	show	show	VERB
fsr-3538	757	6	the	the	DET
fsr-3538	757	7	significance	significance	NOUN
fsr-3538	757	8	of	of	ADP
fsr-3538	757	9	the	the	DET
fsr-3538	757	10	t	t	NOUN
fsr-3538	757	11	-	-	PUNCT
fsr-3538	757	12	test	test	NOUN
fsr-3538	757	13	result	result	NOUN
fsr-3538	757	14	.	.	PUNCT
fsr-3538	758	1	*	*	PUNCT
fsr-3538	759	1	*	*	PUNCT
fsr-3538	759	2	*	*	PUNCT
fsr-3538	759	3	,	,	PUNCT
fsr-3538	759	4	*	*	PUNCT
fsr-3538	759	5	*	*	PUNCT
fsr-3538	759	6	,	,	PUNCT
fsr-3538	759	7	*	*	PUNCT
fsr-3538	759	8	indicate	indicate	VERB
fsr-3538	759	9	statistical	statistical	ADJ
fsr-3538	759	10	significance	significance	NOUN
fsr-3538	759	11	at	at	ADP
fsr-3538	759	12	0.01	0.01	NUM
fsr-3538	759	13	,	,	PUNCT
fsr-3538	759	14	0.05	0.05	NUM
fsr-3538	759	15	and	and	CCONJ
fsr-3538	759	16	0.10	0.10	NUM
fsr-3538	759	17	level	level	NOUN
fsr-3538	759	18	,	,	PUNCT
fsr-3538	759	19	respectively	respectively	ADV
fsr-3538	759	20	.	.	PUNCT
fsr-3538	760	1	g.	g.	PROPN
fsr-3538	760	2	filbeck	filbeck	NOUN
fsr-3538	760	3	and	and	CCONJ
fsr-3538	760	4	x.	x.	NOUN
fsr-3538	760	5	zhao	zhao	PROPN
fsr-3538	760	6	/	/	SYM
fsr-3538	760	7	financial	financial	ADJ
fsr-3538	760	8	services	service	NOUN
fsr-3538	760	9	review	review	VERB
fsr-3538	760	10	31	31	NUM
fsr-3538	760	11	(	(	PUNCT
fsr-3538	760	12	2023	2023	NUM
fsr-3538	760	13	)	)	PUNCT
fsr-3538	760	14	169–196	169–196	NUM
fsr-3538	760	15	193	193	NUM
fsr-3538	760	16	appendix	appendix	NOUN
fsr-3538	760	17	f	f	PROPN
fsr-3538	760	18	table	table	NOUN
fsr-3538	760	19	4a	4a	PROPN
fsr-3538	760	20	t	t	NOUN
fsr-3538	760	21	-	-	PUNCT
fsr-3538	760	22	test	test	NOUN
fsr-3538	760	23	results	result	NOUN
fsr-3538	760	24	between	between	ADP
fsr-3538	760	25	preand	preand	NOUN
fsr-3538	760	26	post	post	ADJ
fsr-3538	760	27	-	-	ADJ
fsr-3538	760	28	survey	survey	ADJ
fsr-3538	760	29	pre	pre	X
fsr-3538	760	30	post	post	PROPN
fsr-3538	760	31	diff	diff	PROPN
fsr-3538	760	32	.	.	PUNCT
fsr-3538	761	1	t	t	PROPN
fsr-3538	761	2	-	-	PUNCT
fsr-3538	761	3	stat	stat	PROPN
fsr-3538	761	4	panel	panel	NOUN
fsr-3538	761	5	a.	a.	PROPN
fsr-3538	761	6	financial	financial	ADJ
fsr-3538	761	7	subjective	subjective	ADJ
fsr-3538	761	8	knowledge	knowledge	NOUN
fsr-3538	761	9	questions	question	NOUN
fsr-3538	761	10	2	2	NUM
fsr-3538	761	11	.	.	PUNCT
fsr-3538	762	1	i	i	PRON
fsr-3538	762	2	understand	understand	VERB
fsr-3538	762	3	how	how	SCONJ
fsr-3538	762	4	to	to	PART
fsr-3538	762	5	establish	establish	VERB
fsr-3538	762	6	a	a	DET
fsr-3538	762	7	financial	financial	ADJ
fsr-3538	762	8	plan	plan	NOUN
fsr-3538	762	9	.	.	PUNCT
fsr-3538	763	1	3.033	3.033	NUM
fsr-3538	763	2	4.029	4.029	NUM
fsr-3538	763	3	0.996	0.996	NUM
fsr-3538	763	4	27.66	27.66	NUM
fsr-3538	763	5	*	*	PUNCT
fsr-3538	763	6	*	*	PUNCT
fsr-3538	763	7	*	*	PUNCT
fsr-3538	763	8	3	3	X
fsr-3538	763	9	.	.	PUNCT
fsr-3538	764	1	i	i	PRON
fsr-3538	764	2	think	think	VERB
fsr-3538	764	3	financial	financial	ADJ
fsr-3538	764	4	literacy	literacy	NOUN
fsr-3538	764	5	is	be	AUX
fsr-3538	764	6	important	important	ADJ
fsr-3538	764	7	for	for	ADP
fsr-3538	764	8	my	my	PRON
fsr-3538	764	9	future	future	NOUN
fsr-3538	764	10	.	.	PUNCT
fsr-3538	765	1	4.416	4.416	NUM
fsr-3538	765	2	4.660	4.660	NUM
fsr-3538	765	3	0.227	0.227	NUM
fsr-3538	765	4	9.89	9.89	NUM
fsr-3538	765	5	*	*	PUNCT
fsr-3538	765	6	*	*	PUNCT
fsr-3538	765	7	*	*	PROPN
fsr-3538	766	1	6	6	NUM
fsr-3538	766	2	.	.	PUNCT
fsr-3538	767	1	i	i	PRON
fsr-3538	767	2	understand	understand	VERB
fsr-3538	767	3	the	the	DET
fsr-3538	767	4	process	process	NOUN
fsr-3538	767	5	by	by	ADP
fsr-3538	767	6	which	which	PRON
fsr-3538	767	7	my	my	PRON
fsr-3538	767	8	parents	parent	NOUN
fsr-3538	767	9	/	/	SYM
fsr-3538	767	10	guardians	guardian	NOUN
fsr-3538	767	11	make	make	VERB
fsr-3538	767	12	financial	financial	ADJ
fsr-3538	767	13	decisions	decision	NOUN
fsr-3538	767	14	.	.	PUNCT
fsr-3538	768	1	3.397	3.397	NUM
fsr-3538	768	2	3.888	3.888	NUM
fsr-3538	768	3	0.491	0.491	NUM
fsr-3538	768	4	14.42	14.42	NUM
fsr-3538	768	5	*	*	PUNCT
fsr-3538	768	6	*	*	PUNCT
fsr-3538	768	7	*	*	PUNCT
fsr-3538	768	8	7	7	X
fsr-3538	768	9	.	.	PUNCT
fsr-3538	769	1	i	i	PRON
fsr-3538	769	2	know	know	VERB
fsr-3538	769	3	how	how	SCONJ
fsr-3538	769	4	to	to	PART
fsr-3538	769	5	determine	determine	VERB
fsr-3538	769	6	the	the	DET
fsr-3538	769	7	appropriate	appropriate	ADJ
fsr-3538	769	8	total	total	ADJ
fsr-3538	769	9	costs	cost	NOUN
fsr-3538	769	10	associated	associate	VERB
fsr-3538	769	11	with	with	ADP
fsr-3538	769	12	the	the	DET
fsr-3538	769	13	colleges	college	NOUN
fsr-3538	769	14	/	/	SYM
fsr-3538	769	15	universities	university	NOUN
fsr-3538	769	16	i	i	PRON
fsr-3538	769	17	am	be	AUX
fsr-3538	769	18	interested	interested	ADJ
fsr-3538	769	19	in	in	ADP
fsr-3538	769	20	attending	attend	VERB
fsr-3538	769	21	.	.	PUNCT
fsr-3538	770	1	3.085	3.085	NUM
fsr-3538	770	2	3.861	3.861	NUM
fsr-3538	770	3	0.776	0.776	NUM
fsr-3538	770	4	20.46	20.46	NUM
fsr-3538	770	5	*	*	PUNCT
fsr-3538	770	6	*	*	PUNCT
fsr-3538	770	7	*	*	NOUN
fsr-3538	770	8	8	8	NUM
fsr-3538	770	9	.	.	PUNCT
fsr-3538	771	1	i	i	PRON
fsr-3538	771	2	understand	understand	VERB
fsr-3538	771	3	the	the	DET
fsr-3538	771	4	process	process	NOUN
fsr-3538	771	5	by	by	ADP
fsr-3538	771	6	which	which	PRON
fsr-3538	771	7	loan	loan	NOUN
fsr-3538	771	8	repayments	repayment	NOUN
fsr-3538	771	9	take	take	VERB
fsr-3538	771	10	place	place	NOUN
fsr-3538	771	11	,	,	PUNCT
fsr-3538	771	12	including	include	VERB
fsr-3538	771	13	the	the	DET
fsr-3538	771	14	impact	impact	NOUN
fsr-3538	771	15	of	of	ADP
fsr-3538	771	16	interest	interest	NOUN
fsr-3538	771	17	,	,	PUNCT
fsr-3538	771	18	delinquency	delinquency	NOUN
fsr-3538	771	19	,	,	PUNCT
fsr-3538	771	20	and	and	CCONJ
fsr-3538	771	21	default	default	NOUN
fsr-3538	771	22	.	.	PUNCT
fsr-3538	772	1	2.716	2.716	NUM
fsr-3538	772	2	3.864	3.864	NUM
fsr-3538	772	3	1.148	1.148	NUM
fsr-3538	772	4	28.88	28.88	NUM
fsr-3538	772	5	*	*	PUNCT
fsr-3538	772	6	*	*	PUNCT
fsr-3538	772	7	*	*	NOUN
fsr-3538	772	8	9	9	X
fsr-3538	772	9	.	.	PUNCT
fsr-3538	773	1	i	i	PRON
fsr-3538	773	2	understand	understand	VERB
fsr-3538	773	3	the	the	DET
fsr-3538	773	4	process	process	NOUN
fsr-3538	773	5	by	by	ADP
fsr-3538	773	6	which	which	PRON
fsr-3538	773	7	credit	credit	NOUN
fsr-3538	773	8	card	card	NOUN
fsr-3538	773	9	charges	charge	NOUN
fsr-3538	773	10	and	and	CCONJ
fsr-3538	773	11	repayment	repayment	NOUN
fsr-3538	773	12	schedules	schedule	NOUN
fsr-3538	773	13	can	can	AUX
fsr-3538	773	14	impact	impact	VERB
fsr-3538	773	15	the	the	DET
fsr-3538	773	16	level	level	NOUN
fsr-3538	773	17	of	of	ADP
fsr-3538	773	18	financial	financial	ADJ
fsr-3538	773	19	debt	debt	NOUN
fsr-3538	773	20	levels	level	NOUN
fsr-3538	773	21	.	.	PUNCT
fsr-3538	774	1	3.406	3.406	NUM
fsr-3538	774	2	4.199	4.199	NUM
fsr-3538	774	3	0.792	0.792	NUM
fsr-3538	774	4	20.53	20.53	NUM
fsr-3538	774	5	*	*	PUNCT
fsr-3538	774	6	*	*	PUNCT
fsr-3538	774	7	*	*	PROPN
fsr-3538	774	8	10	10	NUM
fsr-3538	774	9	.	.	PUNCT
fsr-3538	775	1	when	when	SCONJ
fsr-3538	775	2	it	it	PRON
fsr-3538	775	3	comes	come	VERB
fsr-3538	775	4	to	to	ADP
fsr-3538	775	5	purchasing	purchase	VERB
fsr-3538	775	6	a	a	DET
fsr-3538	775	7	car	car	NOUN
fsr-3538	775	8	,	,	PUNCT
fsr-3538	775	9	i	i	PRON
fsr-3538	775	10	know	know	VERB
fsr-3538	775	11	how	how	SCONJ
fsr-3538	775	12	to	to	PART
fsr-3538	775	13	determine	determine	VERB
fsr-3538	775	14	how	how	SCONJ
fsr-3538	775	15	much	much	ADJ
fsr-3538	775	16	of	of	ADP
fsr-3538	775	17	a	a	DET
fsr-3538	775	18	car	car	NOUN
fsr-3538	775	19	i	i	PRON
fsr-3538	775	20	can	can	AUX
fsr-3538	775	21	afford	afford	VERB
fsr-3538	775	22	.	.	PUNCT
fsr-3538	776	1	3.258	3.258	NUM
fsr-3538	776	2	4.197	4.197	NUM
fsr-3538	776	3	0.940	0.940	NUM
fsr-3538	776	4	24.74	24.74	NUM
fsr-3538	776	5	*	*	PUNCT
fsr-3538	776	6	*	*	PUNCT
fsr-3538	776	7	*	*	PUNCT
fsr-3538	777	1	11	11	NUM
fsr-3538	777	2	.	.	PUNCT
fsr-3538	778	1	i	i	PRON
fsr-3538	778	2	understand	understand	VERB
fsr-3538	778	3	how	how	SCONJ
fsr-3538	778	4	to	to	PART
fsr-3538	778	5	evaluate	evaluate	VERB
fsr-3538	778	6	the	the	DET
fsr-3538	778	7	cost	cost	NOUN
fsr-3538	778	8	-	-	PUNCT
fsr-3538	778	9	benefit	benefit	NOUN
fsr-3538	778	10	analysis	analysis	NOUN
fsr-3538	778	11	of	of	ADP
fsr-3538	778	12	training	training	NOUN
fsr-3538	778	13	for	for	ADP
fsr-3538	778	14	the	the	DET
fsr-3538	778	15	job	job	NOUN
fsr-3538	778	16	i	i	PRON
fsr-3538	778	17	would	would	AUX
fsr-3538	778	18	like	like	VERB
fsr-3538	778	19	to	to	PART
fsr-3538	778	20	perform	perform	VERB
fsr-3538	778	21	after	after	ADP
fsr-3538	778	22	completing	complete	VERB
fsr-3538	778	23	school	school	NOUN
fsr-3538	778	24	.	.	PUNCT
fsr-3538	779	1	3.010	3.010	NUM
fsr-3538	779	2	3.889	3.889	NUM
fsr-3538	779	3	0.879	0.879	NUM
fsr-3538	779	4	22.70	22.70	NUM
fsr-3538	779	5	*	*	PUNCT
fsr-3538	779	6	*	*	PUNCT
fsr-3538	779	7	*	*	PROPN
fsr-3538	779	8	12	12	NUM
fsr-3538	779	9	.	.	PUNCT
fsr-3538	780	1	i	i	PRON
fsr-3538	780	2	know	know	VERB
fsr-3538	780	3	what	what	PRON
fsr-3538	780	4	a	a	DET
fsr-3538	780	5	roth	roth	PROPN
fsr-3538	780	6	ira	ira	PROPN
fsr-3538	780	7	is	be	AUX
fsr-3538	780	8	and	and	CCONJ
fsr-3538	780	9	how	how	SCONJ
fsr-3538	780	10	it	it	PRON
fsr-3538	780	11	works	work	VERB
fsr-3538	780	12	from	from	ADP
fsr-3538	780	13	a	a	DET
fsr-3538	780	14	taxation	taxation	NOUN
fsr-3538	780	15	standpoint	standpoint	NOUN
fsr-3538	780	16	.	.	PUNCT
fsr-3538	781	1	1.909	1.909	NUM
fsr-3538	781	2	3.562	3.562	NUM
fsr-3538	781	3	1.653	1.653	NUM
fsr-3538	781	4	38.31	38.31	NUM
fsr-3538	781	5	*	*	PUNCT
fsr-3538	781	6	*	*	PUNCT
fsr-3538	781	7	*	*	PROPN
fsr-3538	781	8	13	13	NUM
fsr-3538	781	9	.	.	PUNCT
fsr-3538	782	1	i	i	PRON
fsr-3538	782	2	know	know	VERB
fsr-3538	782	3	how	how	SCONJ
fsr-3538	782	4	to	to	PART
fsr-3538	782	5	create	create	VERB
fsr-3538	782	6	a	a	DET
fsr-3538	782	7	savings	savings	NOUN
fsr-3538	782	8	plan	plan	NOUN
fsr-3538	782	9	based	base	VERB
fsr-3538	782	10	on	on	ADP
fsr-3538	782	11	the	the	DET
fsr-3538	782	12	ability	ability	NOUN
fsr-3538	782	13	to	to	PART
fsr-3538	782	14	estimate	estimate	VERB
fsr-3538	782	15	monthly	monthly	ADJ
fsr-3538	782	16	living	living	NOUN
fsr-3538	782	17	expenses	expense	NOUN
fsr-3538	782	18	.	.	PUNCT
fsr-3538	783	1	3.087	3.087	NUM
fsr-3538	783	2	4.168	4.168	NUM
fsr-3538	783	3	1.079	1.079	NUM
fsr-3538	783	4	28.21	28.21	NUM
fsr-3538	783	5	*	*	PUNCT
fsr-3538	783	6	*	*	PUNCT
fsr-3538	783	7	*	*	PROPN
fsr-3538	783	8	14	14	NUM
fsr-3538	783	9	.	.	PUNCT
fsr-3538	784	1	i	i	PRON
fsr-3538	784	2	know	know	VERB
fsr-3538	784	3	how	how	SCONJ
fsr-3538	784	4	to	to	PART
fsr-3538	784	5	plan	plan	VERB
fsr-3538	784	6	financially	financially	ADV
fsr-3538	784	7	for	for	ADP
fsr-3538	784	8	retirement	retirement	NOUN
fsr-3538	784	9	.	.	PUNCT
fsr-3538	785	1	2.581	2.581	NUM
fsr-3538	785	2	3.953	3.953	NUM
fsr-3538	785	3	1.376	1.376	NUM
fsr-3538	785	4	33.45	33.45	NUM
fsr-3538	785	5	*	*	PUNCT
fsr-3538	785	6	*	*	PUNCT
fsr-3538	785	7	*	*	PUNCT
fsr-3538	785	8	total	total	ADJ
fsr-3538	785	9	score	score	NOUN
fsr-3538	785	10	for	for	ADP
fsr-3538	785	11	financial	financial	ADJ
fsr-3538	785	12	subjective	subjective	ADJ
fsr-3538	785	13	knowledge	knowledge	NOUN
fsr-3538	785	14	questions	question	VERB
fsr-3538	785	15	33.839	33.839	NUM
fsr-3538	785	16	43.963	43.963	NUM
fsr-3538	785	17	10.125	10.125	NUM
fsr-3538	785	18	36.38	36.38	NUM
fsr-3538	785	19	*	*	PUNCT
fsr-3538	785	20	*	*	PUNCT
fsr-3538	785	21	*	*	PROPN
fsr-3538	785	22	panel	panel	PROPN
fsr-3538	785	23	b.	b.	PROPN
fsr-3538	785	24	financial	financial	ADJ
fsr-3538	785	25	behavior	behavior	NOUN
fsr-3538	785	26	questions	question	VERB
fsr-3538	785	27	1	1	X
fsr-3538	785	28	.	.	PUNCT
fsr-3538	786	1	i	i	PRON
fsr-3538	786	2	like	like	VERB
fsr-3538	786	3	to	to	PART
fsr-3538	786	4	save	save	VERB
fsr-3538	786	5	money	money	NOUN
fsr-3538	786	6	more	more	ADJ
fsr-3538	786	7	than	than	SCONJ
fsr-3538	786	8	i	i	PRON
fsr-3538	786	9	like	like	VERB
fsr-3538	786	10	to	to	PART
fsr-3538	786	11	spend	spend	VERB
fsr-3538	786	12	it	it	PRON
fsr-3538	786	13	.	.	PUNCT
fsr-3538	787	1	3.540	3.540	NUM
fsr-3538	787	2	3.810	3.810	NUM
fsr-3538	787	3	0.269	0.269	NUM
fsr-3538	787	4	8.09	8.09	NUM
fsr-3538	787	5	*	*	PUNCT
fsr-3538	787	6	*	*	PUNCT
fsr-3538	787	7	*	*	PROPN
fsr-3538	788	1	4	4	X
fsr-3538	788	2	.	.	PUNCT
fsr-3538	789	1	i	i	PRON
fsr-3538	789	2	have	have	VERB
fsr-3538	789	3	a	a	DET
fsr-3538	789	4	checking	checking	NOUN
fsr-3538	789	5	and/or	and/or	CCONJ
fsr-3538	789	6	a	a	DET
fsr-3538	789	7	savings	saving	NOUN
fsr-3538	789	8	account	account	NOUN
fsr-3538	789	9	.	.	PUNCT
fsr-3538	790	1	4.290	4.290	NUM
fsr-3538	790	2	4.267	4.267	NUM
fsr-3538	790	3	0.085	0.085	NUM
fsr-3538	790	4	2.41	2.41	NUM
fsr-3538	790	5	*	*	PUNCT
fsr-3538	790	6	*	*	PROPN
fsr-3538	790	7	5	5	X
fsr-3538	790	8	.	.	PUNCT
fsr-3538	791	1	i	i	PRON
fsr-3538	791	2	have	have	VERB
fsr-3538	791	3	conversations	conversation	NOUN
fsr-3538	791	4	with	with	ADP
fsr-3538	791	5	my	my	PRON
fsr-3538	791	6	parents	parent	NOUN
fsr-3538	791	7	regarding	regard	VERB
fsr-3538	791	8	personal	personal	ADJ
fsr-3538	791	9	finance	finance	NOUN
fsr-3538	791	10	.	.	PUNCT
fsr-3538	792	1	3.511	3.511	NUM
fsr-3538	792	2	3.839	3.839	NUM
fsr-3538	792	3	0.328	0.328	NUM
fsr-3538	792	4	9.01	9.01	NUM
fsr-3538	792	5	*	*	PUNCT
fsr-3538	792	6	*	*	PUNCT
fsr-3538	792	7	*	*	PUNCT
fsr-3538	792	8	15	15	NUM
fsr-3538	792	9	.	.	PUNCT
fsr-3538	793	1	i	i	PRON
fsr-3538	793	2	think	think	VERB
fsr-3538	793	3	it	it	PRON
fsr-3538	793	4	is	be	AUX
fsr-3538	793	5	important	important	ADJ
fsr-3538	793	6	to	to	PART
fsr-3538	793	7	contribute	contribute	VERB
fsr-3538	793	8	to	to	ADP
fsr-3538	793	9	a	a	DET
fsr-3538	793	10	retirement	retirement	NOUN
fsr-3538	793	11	plan	plan	NOUN
fsr-3538	793	12	(	(	PUNCT
fsr-3538	793	13	ex	ex	NOUN
fsr-3538	793	14	:	:	PROPN
fsr-3538	793	15	roth	roth	PROPN
fsr-3538	793	16	ira	ira	PROPN
fsr-3538	793	17	,	,	PUNCT
fsr-3538	793	18	401k	401k	PROPN
fsr-3538	793	19	,	,	PUNCT
fsr-3538	793	20	etc	etc	X
fsr-3538	793	21	.	.	X
fsr-3538	793	22	)	)	PUNCT
fsr-3538	794	1	4.064	4.064	NUM
fsr-3538	794	2	4.467	4.467	NUM
fsr-3538	794	3	0.402	0.402	NUM
fsr-3538	794	4	12.02	12.02	NUM
fsr-3538	794	5	*	*	PUNCT
fsr-3538	794	6	*	*	PUNCT
fsr-3538	794	7	*	*	PUNCT
fsr-3538	794	8	total	total	ADJ
fsr-3538	794	9	score	score	NOUN
fsr-3538	794	10	for	for	ADP
fsr-3538	794	11	financial	financial	ADJ
fsr-3538	794	12	behavior	behavior	NOUN
fsr-3538	794	13	14.944	14.944	NUM
fsr-3538	794	14	16.365	16.365	NUM
fsr-3538	794	15	1.421	1.421	NUM
fsr-3538	794	16	15.11	15.11	NUM
fsr-3538	794	17	*	*	PUNCT
fsr-3538	794	18	*	*	PUNCT
fsr-3538	794	19	*	*	PROPN
fsr-3538	794	20	panel	panel	PROPN
fsr-3538	794	21	c.	c.	PROPN
fsr-3538	794	22	objective	objective	ADJ
fsr-3538	794	23	questions	question	NOUN
fsr-3538	794	24	(	(	PUNCT
fsr-3538	794	25	correct	correct	ADJ
fsr-3538	794	26	answers	answer	NOUN
fsr-3538	794	27	)	)	PUNCT
fsr-3538	794	28	1	1	NUM
fsr-3538	794	29	.	.	PUNCT
fsr-3538	794	30	is	be	AUX
fsr-3538	794	31	it	it	PRON
fsr-3538	794	32	safer	safe	ADJ
fsr-3538	794	33	to	to	PART
fsr-3538	794	34	put	put	VERB
fsr-3538	794	35	your	your	PRON
fsr-3538	794	36	money	money	NOUN
fsr-3538	794	37	into	into	ADP
fsr-3538	794	38	one	one	NUM
fsr-3538	794	39	investment	investment	NOUN
fsr-3538	794	40	or	or	CCONJ
fsr-3538	794	41	put	put	VERB
fsr-3538	794	42	your	your	PRON
fsr-3538	794	43	money	money	NOUN
fsr-3538	794	44	into	into	ADP
fsr-3538	794	45	multiple	multiple	ADJ
fsr-3538	794	46	investments	investment	NOUN
fsr-3538	794	47	?	?	PUNCT
fsr-3538	795	1	0.634	0.634	NUM
fsr-3538	795	2	0.691	0.691	NUM
fsr-3538	795	3	0.057	0.057	NUM
fsr-3538	795	4	3.21	3.21	NUM
fsr-3538	795	5	*	*	PUNCT
fsr-3538	795	6	*	*	PUNCT
fsr-3538	795	7	*	*	PROPN
fsr-3538	796	1	2	2	X
fsr-3538	796	2	.	.	PUNCT
fsr-3538	797	1	if	if	SCONJ
fsr-3538	797	2	you	you	PRON
fsr-3538	797	3	invest	invest	VERB
fsr-3538	797	4	$	$	SYM
fsr-3538	797	5	100	100	NUM
fsr-3538	797	6	in	in	ADP
fsr-3538	797	7	a	a	DET
fsr-3538	797	8	roth	roth	NOUN
fsr-3538	797	9	ira	ira	PROPN
fsr-3538	797	10	and	and	CCONJ
fsr-3538	797	11	earn	earn	VERB
fsr-3538	797	12	5	5	NUM
fsr-3538	797	13	%	%	NOUN
fsr-3538	797	14	per	per	ADP
fsr-3538	797	15	year	year	NOUN
fsr-3538	797	16	for	for	ADP
fsr-3538	797	17	3	3	NUM
fsr-3538	797	18	years	year	NOUN
fsr-3538	797	19	,	,	PUNCT
fsr-3538	797	20	how	how	SCONJ
fsr-3538	797	21	much	much	ADJ
fsr-3538	797	22	would	would	AUX
fsr-3538	797	23	it	it	PRON
fsr-3538	797	24	be	be	AUX
fsr-3538	797	25	worth	worth	ADJ
fsr-3538	797	26	at	at	ADP
fsr-3538	797	27	the	the	DET
fsr-3538	797	28	end	end	NOUN
fsr-3538	797	29	of	of	ADP
fsr-3538	797	30	three	three	NUM
fsr-3538	797	31	years	year	NOUN
fsr-3538	797	32	.	.	PUNCT
fsr-3538	798	1	0.294	0.294	NUM
fsr-3538	798	2	0.481	0.481	NUM
fsr-3538	798	3	0.187	0.187	NUM
fsr-3538	798	4	10.58	10.58	NUM
fsr-3538	798	5	*	*	PUNCT
fsr-3538	798	6	*	*	PUNCT
fsr-3538	798	7	*	*	NOUN
fsr-3538	799	1	3	3	X
fsr-3538	799	2	.	.	PUNCT
fsr-3538	800	1	if	if	SCONJ
fsr-3538	800	2	you	you	PRON
fsr-3538	800	3	use	use	VERB
fsr-3538	800	4	a	a	DET
fsr-3538	800	5	credit	credit	NOUN
fsr-3538	800	6	card	card	NOUN
fsr-3538	800	7	in	in	ADP
fsr-3538	800	8	january	january	PROPN
fsr-3538	800	9	for	for	ADP
fsr-3538	800	10	a	a	DET
fsr-3538	800	11	total	total	NOUN
fsr-3538	800	12	of	of	ADP
fsr-3538	800	13	$	$	SYM
fsr-3538	800	14	500	500	NUM
fsr-3538	800	15	,	,	PUNCT
fsr-3538	800	16	which	which	DET
fsr-3538	800	17	payment	payment	NOUN
fsr-3538	800	18	option	option	NOUN
fsr-3538	800	19	will	will	AUX
fsr-3538	800	20	result	result	VERB
fsr-3538	800	21	in	in	ADP
fsr-3538	800	22	the	the	DET
fsr-3538	800	23	lowest	low	ADJ
fsr-3538	800	24	amount	amount	NOUN
fsr-3538	800	25	of	of	ADP
fsr-3538	800	26	overall	overall	ADJ
fsr-3538	800	27	interest	interest	NOUN
fsr-3538	800	28	paid	pay	VERB
fsr-3538	800	29	.	.	PUNCT
fsr-3538	801	1	0.489	0.489	NUM
fsr-3538	801	2	0.740	0.740	NUM
fsr-3538	801	3	0.251	0.251	NUM
fsr-3538	801	4	14.90	14.90	NUM
fsr-3538	801	5	*	*	PUNCT
fsr-3538	801	6	*	*	PUNCT
fsr-3538	801	7	*	*	PUNCT
fsr-3538	801	8	4	4	X
fsr-3538	801	9	.	.	PUNCT
fsr-3538	801	10	suppose	suppose	VERB
fsr-3538	801	11	you	you	PRON
fsr-3538	801	12	decide	decide	VERB
fsr-3538	801	13	to	to	PART
fsr-3538	801	14	buy	buy	VERB
fsr-3538	801	15	an	an	DET
fsr-3538	801	16	audi	audi	NOUN
fsr-3538	801	17	for	for	ADP
fsr-3538	801	18	$	$	SYM
fsr-3538	801	19	50,000	50,000	NUM
fsr-3538	801	20	.	.	PUNCT
fsr-3538	802	1	if	if	SCONJ
fsr-3538	802	2	you	you	PRON
fsr-3538	802	3	take	take	VERB
fsr-3538	802	4	out	out	ADP
fsr-3538	802	5	an	an	DET
fsr-3538	802	6	auto	auto	NOUN
fsr-3538	802	7	loan	loan	NOUN
fsr-3538	802	8	for	for	ADP
fsr-3538	802	9	5	5	NUM
fsr-3538	802	10	years	year	NOUN
fsr-3538	802	11	with	with	ADP
fsr-3538	802	12	5	5	NUM
fsr-3538	802	13	%	%	NOUN
fsr-3538	802	14	interest	interest	NOUN
fsr-3538	802	15	,	,	PUNCT
fsr-3538	802	16	how	how	SCONJ
fsr-3538	802	17	much	much	ADJ
fsr-3538	802	18	total	total	NOUN
fsr-3538	802	19	will	will	AUX
fsr-3538	802	20	you	you	PRON
fsr-3538	802	21	pay	pay	VERB
fsr-3538	802	22	per	per	ADP
fsr-3538	802	23	year	year	NOUN
fsr-3538	802	24	?	?	PUNCT
fsr-3538	803	1	0.438	0.438	NUM
fsr-3538	803	2	0.578	0.578	NUM
fsr-3538	803	3	0.140	0.140	NUM
fsr-3538	803	4	7.65	7.65	NUM
fsr-3538	803	5	*	*	PUNCT
fsr-3538	803	6	*	*	PUNCT
fsr-3538	803	7	*	*	PUNCT
fsr-3538	803	8	5	5	X
fsr-3538	803	9	.	.	PUNCT
fsr-3538	804	1	in	in	ADP
fsr-3538	804	2	the	the	DET
fsr-3538	804	3	future	future	NOUN
fsr-3538	804	4	,	,	PUNCT
fsr-3538	804	5	the	the	DET
fsr-3538	804	6	cost	cost	NOUN
fsr-3538	804	7	of	of	ADP
fsr-3538	804	8	things	thing	NOUN
fsr-3538	804	9	you	you	PRON
fsr-3538	804	10	buy	buy	VERB
fsr-3538	804	11	doubles	double	NOUN
fsr-3538	804	12	but	but	CCONJ
fsr-3538	804	13	your	your	PRON
fsr-3538	804	14	income	income	NOUN
fsr-3538	804	15	remains	remain	VERB
fsr-3538	804	16	the	the	DET
fsr-3538	804	17	same	same	ADJ
fsr-3538	804	18	.	.	PUNCT
fsr-3538	805	1	how	how	SCONJ
fsr-3538	805	2	much	much	ADJ
fsr-3538	805	3	will	will	AUX
fsr-3538	805	4	you	you	PRON
fsr-3538	805	5	be	be	AUX
fsr-3538	805	6	able	able	ADJ
fsr-3538	805	7	to	to	PART
fsr-3538	805	8	buy	buy	VERB
fsr-3538	805	9	in	in	ADP
fsr-3538	805	10	the	the	DET
fsr-3538	805	11	future	future	NOUN
fsr-3538	805	12	in	in	ADP
fsr-3538	805	13	comparison	comparison	NOUN
fsr-3538	805	14	to	to	ADP
fsr-3538	805	15	today	today	NOUN
fsr-3538	805	16	?	?	PUNCT
fsr-3538	806	1	0.573	0.573	NUM
fsr-3538	806	2	0.773	0.773	NUM
fsr-3538	806	3	0.200	0.200	NUM
fsr-3538	806	4	12.07	12.07	NUM
fsr-3538	806	5	*	*	PUNCT
fsr-3538	806	6	*	*	PUNCT
fsr-3538	806	7	*	*	PROPN
fsr-3538	806	8	6	6	NUM
fsr-3538	806	9	.	.	PUNCT
fsr-3538	806	10	suppose	suppose	VERB
fsr-3538	806	11	you	you	PRON
fsr-3538	806	12	have	have	VERB
fsr-3538	806	13	$	$	SYM
fsr-3538	806	14	40,000	40,000	NUM
fsr-3538	806	15	in	in	ADP
fsr-3538	806	16	student	student	NOUN
fsr-3538	806	17	debt	debt	NOUN
fsr-3538	806	18	.	.	PUNCT
fsr-3538	807	1	which	which	DET
fsr-3538	807	2	payment	payment	NOUN
fsr-3538	807	3	option	option	NOUN
fsr-3538	807	4	will	will	AUX
fsr-3538	807	5	result	result	VERB
fsr-3538	807	6	in	in	ADP
fsr-3538	807	7	the	the	DET
fsr-3538	807	8	lowest	low	ADJ
fsr-3538	807	9	amount	amount	NOUN
fsr-3538	807	10	of	of	ADP
fsr-3538	807	11	overall	overall	ADJ
fsr-3538	807	12	interest	interest	NOUN
fsr-3538	807	13	paid	pay	VERB
fsr-3538	807	14	?	?	PUNCT
fsr-3538	808	1	0.542	0.542	NUM
fsr-3538	808	2	0.716	0.716	NUM
fsr-3538	808	3	0.174	0.174	NUM
fsr-3538	808	4	10.05	10.05	NUM
fsr-3538	808	5	*	*	PUNCT
fsr-3538	808	6	*	*	PUNCT
fsr-3538	808	7	*	*	PUNCT
fsr-3538	808	8	(	(	PUNCT
fsr-3538	808	9	continued	continue	VERB
fsr-3538	808	10	on	on	ADP
fsr-3538	808	11	next	next	ADJ
fsr-3538	808	12	page	page	NOUN
fsr-3538	808	13	)	)	PUNCT
fsr-3538	808	14	194	194	NUM
fsr-3538	808	15	g.	g.	NOUN
fsr-3538	808	16	filbeck	filbeck	NOUN
fsr-3538	808	17	and	and	CCONJ
fsr-3538	808	18	x.	x.	NOUN
fsr-3538	808	19	zhao	zhao	PROPN
fsr-3538	808	20	/	/	SYM
fsr-3538	808	21	financial	financial	ADJ
fsr-3538	808	22	services	service	NOUN
fsr-3538	808	23	review	review	VERB
fsr-3538	808	24	31	31	NUM
fsr-3538	808	25	(	(	PUNCT
fsr-3538	808	26	2023	2023	NUM
fsr-3538	808	27	)	)	PUNCT
fsr-3538	808	28	169–196	169–196	NUM
fsr-3538	808	29	references	reference	NOUN
fsr-3538	808	30	amagir	amagir	PROPN
fsr-3538	808	31	,	,	PUNCT
fsr-3538	808	32	a.	a.	PROPN
fsr-3538	808	33	,	,	PUNCT
fsr-3538	808	34	groot	groot	PROPN
fsr-3538	808	35	,	,	PUNCT
fsr-3538	808	36	w.	w.	PROPN
fsr-3538	808	37	,	,	PUNCT
fsr-3538	808	38	maassen	maassen	PROPN
fsr-3538	808	39	van	van	PROPN
fsr-3538	808	40	den	den	PROPN
fsr-3538	808	41	brink	brink	PROPN
fsr-3538	808	42	,	,	PUNCT
fsr-3538	808	43	h.	h.	PROPN
fsr-3538	808	44	,	,	PUNCT
fsr-3538	808	45	&	&	CCONJ
fsr-3538	808	46	wilschut	wilschut	PROPN
fsr-3538	808	47	,	,	PUNCT
fsr-3538	808	48	a.	a.	NOUN
fsr-3538	808	49	(	(	PUNCT
fsr-3538	808	50	2018	2018	NUM
fsr-3538	808	51	)	)	PUNCT
fsr-3538	808	52	.	.	PUNCT
fsr-3538	809	1	a	a	DET
fsr-3538	809	2	review	review	NOUN
fsr-3538	809	3	of	of	ADP
fsr-3538	809	4	financial	financial	ADJ
fsr-3538	809	5	-	-	PUNCT
fsr-3538	809	6	literacy	literacy	NOUN
fsr-3538	809	7	education	education	NOUN
fsr-3538	809	8	programs	program	NOUN
fsr-3538	809	9	for	for	ADP
fsr-3538	809	10	children	child	NOUN
fsr-3538	809	11	and	and	CCONJ
fsr-3538	809	12	adolescents	adolescent	NOUN
fsr-3538	809	13	.	.	PUNCT
fsr-3538	810	1	citizenship	citizenship	NOUN
fsr-3538	810	2	,	,	PUNCT
fsr-3538	810	3	social	social	ADJ
fsr-3538	810	4	and	and	CCONJ
fsr-3538	810	5	economics	economic	NOUN
fsr-3538	810	6	education	education	NOUN
fsr-3538	810	7	,	,	PUNCT
fsr-3538	810	8	17	17	NUM
fsr-3538	810	9	,	,	PUNCT
fsr-3538	810	10	56–80	56–80	PROPN
fsr-3538	810	11	.	.	PUNCT
fsr-3538	811	1	https://	https://	PROPN
fsr-3538	811	2	doi.org/10.1177/2047173417719555	doi.org/10.1177/2047173417719555	PROPN
fsr-3538	811	3	brown	brown	NOUN
fsr-3538	811	4	,	,	PUNCT
fsr-3538	811	5	m.	m.	NOUN
fsr-3538	811	6	,	,	PUNCT
fsr-3538	811	7	grigsby	grigsby	PROPN
fsr-3538	811	8	,	,	PUNCT
fsr-3538	811	9	j.	j.	PROPN
fsr-3538	811	10	,	,	PUNCT
fsr-3538	811	11	van	van	PROPN
fsr-3538	811	12	der	der	PROPN
fsr-3538	811	13	klaauw	klaauw	PROPN
fsr-3538	811	14	,	,	PUNCT
fsr-3538	811	15	w.	w.	PROPN
fsr-3538	811	16	,	,	PUNCT
fsr-3538	811	17	wen	wen	PROPN
fsr-3538	811	18	,	,	PUNCT
fsr-3538	811	19	j.	j.	PROPN
fsr-3538	811	20	,	,	PUNCT
fsr-3538	811	21	&	&	CCONJ
fsr-3538	811	22	zafar	zafar	PROPN
fsr-3538	811	23	,	,	PUNCT
fsr-3538	811	24	b.	b.	PROPN
fsr-3538	811	25	(	(	PUNCT
fsr-3538	811	26	2016	2016	NUM
fsr-3538	811	27	)	)	PUNCT
fsr-3538	811	28	.	.	PUNCT
fsr-3538	812	1	financial	financial	ADJ
fsr-3538	812	2	education	education	NOUN
fsr-3538	812	3	and	and	CCONJ
fsr-3538	812	4	the	the	DET
fsr-3538	812	5	debt	debt	NOUN
fsr-3538	812	6	behavior	behavior	NOUN
fsr-3538	812	7	of	of	ADP
fsr-3538	812	8	the	the	DET
fsr-3538	812	9	young	young	PROPN
fsr-3538	812	10	.	.	PUNCT
fsr-3538	813	1	the	the	DET
fsr-3538	813	2	review	review	NOUN
fsr-3538	813	3	of	of	ADP
fsr-3538	813	4	financial	financial	ADJ
fsr-3538	813	5	studies	study	NOUN
fsr-3538	813	6	,	,	PUNCT
fsr-3538	813	7	29	29	NUM
fsr-3538	813	8	,	,	PUNCT
fsr-3538	813	9	2490–2522	2490–2522	NUM
fsr-3538	813	10	.	.	PUNCT
fsr-3538	814	1	https://doi.org/10.1093/rfs/hhw006	https://doi.org/10.1093/rfs/hhw006	ADJ
fsr-3538	814	2	bucher	bucher	PROPN
fsr-3538	814	3	-	-	PUNCT
fsr-3538	814	4	koenen	koenen	NOUN
fsr-3538	814	5	,	,	PUNCT
fsr-3538	814	6	t.	t.	PROPN
fsr-3538	814	7	,	,	PUNCT
fsr-3538	814	8	lusardi	lusardi	PROPN
fsr-3538	814	9	,	,	PUNCT
fsr-3538	814	10	a.	a.	NOUN
fsr-3538	814	11	,	,	PUNCT
fsr-3538	814	12	alessie	alessie	PROPN
fsr-3538	814	13	,	,	PUNCT
fsr-3538	814	14	r.	r.	PROPN
fsr-3538	814	15	,	,	PUNCT
fsr-3538	814	16	&	&	CCONJ
fsr-3538	814	17	van	van	PROPN
fsr-3538	814	18	rooij	rooij	NOUN
fsr-3538	814	19	,	,	PUNCT
fsr-3538	814	20	m.	m.	NOUN
fsr-3538	814	21	(	(	PUNCT
fsr-3538	814	22	2017	2017	NUM
fsr-3538	814	23	)	)	PUNCT
fsr-3538	814	24	.	.	PUNCT
fsr-3538	815	1	how	how	SCONJ
fsr-3538	815	2	financially	financially	ADV
fsr-3538	815	3	literate	literate	ADJ
fsr-3538	815	4	are	be	AUX
fsr-3538	815	5	women	woman	NOUN
fsr-3538	815	6	?	?	PUNCT
fsr-3538	816	1	an	an	DET
fsr-3538	816	2	overview	overview	NOUN
fsr-3538	816	3	and	and	CCONJ
fsr-3538	816	4	new	new	ADJ
fsr-3538	816	5	insights	insight	NOUN
fsr-3538	816	6	.	.	PUNCT
fsr-3538	817	1	journal	journal	PROPN
fsr-3538	817	2	of	of	ADP
fsr-3538	817	3	consumer	consumer	NOUN
fsr-3538	817	4	affairs	affair	NOUN
fsr-3538	817	5	,	,	PUNCT
fsr-3538	817	6	51	51	NUM
fsr-3538	817	7	,	,	PUNCT
fsr-3538	817	8	255–283	255–283	NUM
fsr-3538	817	9	.	.	PUNCT
fsr-3538	818	1	https://doi.org/10.1111/joca.12121	https://doi.org/10.1111/joca.12121	PROPN
fsr-3538	818	2	cameron	cameron	PROPN
fsr-3538	818	3	,	,	PUNCT
fsr-3538	818	4	m.	m.	PROPN
fsr-3538	818	5	p.	p.	PROPN
fsr-3538	818	6	,	,	PUNCT
fsr-3538	818	7	calderwood	calderwood	PROPN
fsr-3538	818	8	,	,	PUNCT
fsr-3538	818	9	r.	r.	PROPN
fsr-3538	818	10	,	,	PUNCT
fsr-3538	818	11	cox	cox	PROPN
fsr-3538	818	12	,	,	PUNCT
fsr-3538	818	13	a.	a.	PROPN
fsr-3538	818	14	,	,	PUNCT
fsr-3538	818	15	lim	lim	PROPN
fsr-3538	818	16	,	,	PUNCT
fsr-3538	818	17	s.	s.	PROPN
fsr-3538	818	18	,	,	PUNCT
fsr-3538	818	19	&	&	CCONJ
fsr-3538	818	20	yamaoka	yamaoka	PROPN
fsr-3538	818	21	,	,	PUNCT
fsr-3538	818	22	m.	m.	NOUN
fsr-3538	818	23	(	(	PUNCT
fsr-3538	818	24	2014	2014	NUM
fsr-3538	818	25	)	)	PUNCT
fsr-3538	818	26	.	.	PUNCT
fsr-3538	819	1	factors	factor	NOUN
fsr-3538	819	2	associated	associate	VERB
fsr-3538	819	3	with	with	ADP
fsr-3538	819	4	financial	financial	ADJ
fsr-3538	819	5	literacy	literacy	NOUN
fsr-3538	819	6	among	among	ADP
fsr-3538	819	7	high	high	ADJ
fsr-3538	819	8	school	school	NOUN
fsr-3538	819	9	students	student	NOUN
fsr-3538	819	10	in	in	ADP
fsr-3538	819	11	new	new	PROPN
fsr-3538	819	12	zealand	zealand	PROPN
fsr-3538	819	13	.	.	PUNCT
fsr-3538	820	1	international	international	ADJ
fsr-3538	820	2	review	review	PROPN
fsr-3538	820	3	of	of	ADP
fsr-3538	820	4	economics	economic	NOUN
fsr-3538	820	5	education	education	NOUN
fsr-3538	820	6	,	,	PUNCT
fsr-3538	820	7	16	16	NUM
fsr-3538	820	8	,	,	PUNCT
fsr-3538	820	9	12–21	12–21	NUM
fsr-3538	820	10	.	.	PUNCT
fsr-3538	821	1	https://doi.org/10.1016/j.iree.2014.07.006	https://doi.org/10.1016/j.iree.2014.07.006	PROPN
fsr-3538	821	2	cupák	cupák	NOUN
fsr-3538	821	3	,	,	PUNCT
fsr-3538	821	4	a.	a.	NOUN
fsr-3538	821	5	,	,	PUNCT
fsr-3538	821	6	fessler	fessler	NOUN
fsr-3538	821	7	,	,	PUNCT
fsr-3538	821	8	p.	p.	NOUN
fsr-3538	821	9	,	,	PUNCT
fsr-3538	821	10	schneebaum	schneebaum	NOUN
fsr-3538	821	11	,	,	PUNCT
fsr-3538	821	12	a.	a.	NOUN
fsr-3538	821	13	,	,	PUNCT
fsr-3538	821	14	&	&	CCONJ
fsr-3538	821	15	silgoner	silgoner	NOUN
fsr-3538	821	16	,	,	PUNCT
fsr-3538	821	17	m.	m.	NOUN
fsr-3538	821	18	(	(	PUNCT
fsr-3538	821	19	2018	2018	NUM
fsr-3538	821	20	)	)	PUNCT
fsr-3538	821	21	.	.	PUNCT
fsr-3538	822	1	decomposing	decompose	VERB
fsr-3538	822	2	gender	gender	NOUN
fsr-3538	822	3	gaps	gap	NOUN
fsr-3538	822	4	in	in	ADP
fsr-3538	822	5	financial	financial	ADJ
fsr-3538	822	6	literacy	literacy	NOUN
fsr-3538	822	7	:	:	PUNCT
fsr-3538	822	8	new	new	ADJ
fsr-3538	822	9	international	international	ADJ
fsr-3538	822	10	evidence	evidence	NOUN
fsr-3538	822	11	.	.	PUNCT
fsr-3538	823	1	economics	economic	NOUN
fsr-3538	823	2	letters	letter	NOUN
fsr-3538	823	3	,	,	PUNCT
fsr-3538	823	4	168	168	NUM
fsr-3538	823	5	,	,	PUNCT
fsr-3538	823	6	102–106	102–106	NUM
fsr-3538	823	7	.	.	PUNCT
fsr-3538	824	1	https://doi.org/10.1016/j.econlet.2018.04.004	https://doi.org/10.1016/j.econlet.2018.04.004	PROPN
fsr-3538	824	2	de	de	X
fsr-3538	824	3	beckker	beckker	PROPN
fsr-3538	824	4	,	,	PUNCT
fsr-3538	824	5	k.	k.	PROPN
fsr-3538	824	6	,	,	PUNCT
fsr-3538	824	7	de	de	PROPN
fsr-3538	824	8	witte	witte	PROPN
fsr-3538	824	9	,	,	PUNCT
fsr-3538	824	10	k.	k.	PROPN
fsr-3538	824	11	,	,	PUNCT
fsr-3538	824	12	&	&	CCONJ
fsr-3538	824	13	van	van	PROPN
fsr-3538	824	14	campenhout	campenhout	PROPN
fsr-3538	824	15	,	,	PUNCT
fsr-3538	824	16	g.	g.	PROPN
fsr-3538	824	17	(	(	PUNCT
fsr-3538	824	18	2021	2021	NUM
fsr-3538	824	19	)	)	PUNCT
fsr-3538	824	20	.	.	PUNCT
fsr-3538	825	1	the	the	DET
fsr-3538	825	2	effect	effect	NOUN
fsr-3538	825	3	of	of	ADP
fsr-3538	825	4	financial	financial	ADJ
fsr-3538	825	5	education	education	NOUN
fsr-3538	825	6	on	on	ADP
fsr-3538	825	7	students	student	NOUN
fsr-3538	825	8	’	’	PART
fsr-3538	825	9	consumer	consumer	NOUN
fsr-3538	825	10	choices	choice	NOUN
fsr-3538	825	11	:	:	PUNCT
fsr-3538	825	12	evidence	evidence	NOUN
fsr-3538	825	13	from	from	ADP
fsr-3538	825	14	a	a	DET
fsr-3538	825	15	randomized	randomized	ADJ
fsr-3538	825	16	experiment	experiment	NOUN
fsr-3538	825	17	.	.	PUNCT
fsr-3538	826	1	journal	journal	NOUN
fsr-3538	826	2	of	of	ADP
fsr-3538	826	3	economic	economic	ADJ
fsr-3538	826	4	behavior	behavior	NOUN
fsr-3538	826	5	&	&	CCONJ
fsr-3538	826	6	organization	organization	PROPN
fsr-3538	826	7	,	,	PUNCT
fsr-3538	826	8	188	188	NUM
fsr-3538	826	9	,	,	PUNCT
fsr-3538	826	10	962–976	962–976	NUM
fsr-3538	826	11	.	.	PUNCT
fsr-3538	827	1	https://doi.org/10.1016/j.jebo.2021.06.022	https://doi.org/10.1016/j.jebo.2021.06.022	NOUN
fsr-3538	827	2	faulkner	faulkner	PROPN
fsr-3538	827	3	,	,	PUNCT
fsr-3538	827	4	a.	a.	NOUN
fsr-3538	827	5	(	(	PUNCT
fsr-3538	827	6	2017	2017	NUM
fsr-3538	827	7	)	)	PUNCT
fsr-3538	827	8	.	.	PUNCT
fsr-3538	828	1	financial	financial	ADJ
fsr-3538	828	2	literacy	literacy	NOUN
fsr-3538	828	3	education	education	NOUN
fsr-3538	828	4	in	in	ADP
fsr-3538	828	5	the	the	DET
fsr-3538	828	6	united	united	PROPN
fsr-3538	828	7	states	states	PROPN
fsr-3538	828	8	:	:	PUNCT
fsr-3538	828	9	exploring	explore	VERB
fsr-3538	828	10	popular	popular	ADJ
fsr-3538	828	11	personal	personal	ADJ
fsr-3538	828	12	finance	finance	NOUN
fsr-3538	828	13	literature	literature	NOUN
fsr-3538	828	14	.	.	PUNCT
fsr-3538	829	1	journal	journal	PROPN
fsr-3538	829	2	of	of	ADP
fsr-3538	829	3	librarianship	librarianship	NOUN
fsr-3538	829	4	and	and	CCONJ
fsr-3538	829	5	information	information	NOUN
fsr-3538	829	6	science	science	NOUN
fsr-3538	829	7	,	,	PUNCT
fsr-3538	829	8	49	49	NUM
fsr-3538	829	9	,	,	PUNCT
fsr-3538	829	10	287–298	287–298	NUM
fsr-3538	829	11	.	.	PUNCT
fsr-3538	830	1	https://doi.org/10.1177/0961000615616106	https://doi.org/10.1177/0961000615616106	PROPN
fsr-3538	830	2	filbeck	filbeck	PROPN
fsr-3538	830	3	,	,	PUNCT
fsr-3538	830	4	g.	g.	PROPN
fsr-3538	830	5	,	,	PUNCT
fsr-3538	830	6	zhao	zhao	PROPN
fsr-3538	830	7	,	,	PUNCT
fsr-3538	830	8	x.	x.	NOUN
fsr-3538	830	9	,	,	PUNCT
fsr-3538	830	10	&	&	CCONJ
fsr-3538	830	11	pettner	pettner	PROPN
fsr-3538	830	12	,	,	PUNCT
fsr-3538	830	13	j.	j.	PROPN
fsr-3538	830	14	(	(	PUNCT
fsr-3538	830	15	2020	2020	NUM
fsr-3538	830	16	)	)	PUNCT
fsr-3538	830	17	.	.	PUNCT
fsr-3538	831	1	financial	financial	ADJ
fsr-3538	831	2	literacy	literacy	NOUN
fsr-3538	831	3	:	:	PUNCT
fsr-3538	831	4	profiling	profile	VERB
fsr-3538	831	5	a	a	DET
fsr-3538	831	6	successful	successful	ADJ
fsr-3538	831	7	high	high	ADJ
fsr-3538	831	8	school	school	NOUN
fsr-3538	831	9	outreach	outreach	NOUN
fsr-3538	831	10	program	program	NOUN
fsr-3538	831	11	.	.	PUNCT
fsr-3538	832	1	financial	financial	ADJ
fsr-3538	832	2	services	services	PROPN
fsr-3538	832	3	review	review	PROPN
fsr-3538	832	4	,	,	PUNCT
fsr-3538	832	5	28	28	NUM
fsr-3538	832	6	,	,	PUNCT
fsr-3538	832	7	315–340	315–340	NUM
fsr-3538	832	8	.	.	PUNCT
fsr-3538	833	1	gerrans	gerran	NOUN
fsr-3538	833	2	,	,	PUNCT
fsr-3538	833	3	p.	p.	NOUN
fsr-3538	833	4	,	,	PUNCT
fsr-3538	833	5	&	&	CCONJ
fsr-3538	833	6	heaney	heaney	PROPN
fsr-3538	833	7	,	,	PUNCT
fsr-3538	833	8	r.	r.	PROPN
fsr-3538	833	9	(	(	PUNCT
fsr-3538	833	10	2019	2019	NUM
fsr-3538	833	11	)	)	PUNCT
fsr-3538	833	12	.	.	PUNCT
fsr-3538	834	1	the	the	DET
fsr-3538	834	2	impact	impact	NOUN
fsr-3538	834	3	of	of	ADP
fsr-3538	834	4	undergraduate	undergraduate	ADJ
fsr-3538	834	5	personal	personal	ADJ
fsr-3538	834	6	finance	finance	NOUN
fsr-3538	834	7	education	education	NOUN
fsr-3538	834	8	on	on	ADP
fsr-3538	834	9	individual	individual	ADJ
fsr-3538	834	10	financial	financial	ADJ
fsr-3538	834	11	literacy	literacy	NOUN
fsr-3538	834	12	,	,	PUNCT
fsr-3538	834	13	attitudes	attitude	NOUN
fsr-3538	834	14	,	,	PUNCT
fsr-3538	834	15	and	and	CCONJ
fsr-3538	834	16	intentions	intention	NOUN
fsr-3538	834	17	.	.	PUNCT
fsr-3538	835	1	accounting	accounting	PROPN
fsr-3538	835	2	&	&	CCONJ
fsr-3538	835	3	finance	finance	PROPN
fsr-3538	835	4	,	,	PUNCT
fsr-3538	835	5	59	59	NUM
fsr-3538	835	6	,	,	PUNCT
fsr-3538	835	7	177–217	177–217	NUM
fsr-3538	835	8	.	.	PUNCT
fsr-3538	836	1	https://doi.org/10.1111/acfi.12247	https://doi.org/10.1111/acfi.12247	NOUN
fsr-3538	836	2	henager	henager	ADV
fsr-3538	836	3	,	,	PUNCT
fsr-3538	836	4	r.	r.	PROPN
fsr-3538	836	5	,	,	PUNCT
fsr-3538	836	6	&	&	CCONJ
fsr-3538	836	7	cude	cude	PROPN
fsr-3538	836	8	,	,	PUNCT
fsr-3538	836	9	b.	b.	PROPN
fsr-3538	836	10	(	(	PUNCT
fsr-3538	836	11	2016	2016	NUM
fsr-3538	836	12	)	)	PUNCT
fsr-3538	836	13	.	.	PUNCT
fsr-3538	837	1	financial	financial	ADJ
fsr-3538	837	2	literacy	literacy	NOUN
fsr-3538	837	3	and	and	CCONJ
fsr-3538	837	4	long	long	ADJ
fsr-3538	837	5	-	-	PUNCT
fsr-3538	837	6	and	and	CCONJ
fsr-3538	837	7	short	short	ADJ
fsr-3538	837	8	-	-	PUNCT
fsr-3538	837	9	term	term	NOUN
fsr-3538	837	10	financial	financial	ADJ
fsr-3538	837	11	behavior	behavior	NOUN
fsr-3538	837	12	in	in	ADP
fsr-3538	837	13	different	different	ADJ
fsr-3538	837	14	age	age	NOUN
fsr-3538	837	15	groups	group	NOUN
fsr-3538	837	16	.	.	PUNCT
fsr-3538	838	1	journal	journal	NOUN
fsr-3538	838	2	of	of	ADP
fsr-3538	838	3	financial	financial	ADJ
fsr-3538	838	4	counseling	counseling	NOUN
fsr-3538	838	5	and	and	CCONJ
fsr-3538	838	6	planning	planning	NOUN
fsr-3538	838	7	,	,	PUNCT
fsr-3538	838	8	27	27	NUM
fsr-3538	838	9	,	,	PUNCT
fsr-3538	838	10	3–19	3–19	NOUN
fsr-3538	838	11	.	.	PUNCT
fsr-3538	839	1	https://doi.org/10.1891/1052-3073.27.1.3	https://doi.org/10.1891/1052-3073.27.1.3	PROPN
fsr-3538	839	2	table	table	NOUN
fsr-3538	839	3	4a	4a	NOUN
fsr-3538	839	4	(	(	PUNCT
fsr-3538	839	5	continued	continue	VERB
fsr-3538	839	6	)	)	PUNCT
fsr-3538	839	7	pre	pre	X
fsr-3538	839	8	post	post	PROPN
fsr-3538	839	9	diff	diff	PROPN
fsr-3538	839	10	.	.	PUNCT
fsr-3538	840	1	t	t	PROPN
fsr-3538	840	2	-	-	PUNCT
fsr-3538	840	3	stat	stat	NOUN
fsr-3538	840	4	total	total	ADJ
fsr-3538	840	5	score	score	NOUN
fsr-3538	840	6	for	for	ADP
fsr-3538	840	7	objective	objective	ADJ
fsr-3538	840	8	questions	question	NOUN
fsr-3538	840	9	(	(	PUNCT
fsr-3538	840	10	correct	correct	ADJ
fsr-3538	840	11	answers	answer	NOUN
fsr-3538	840	12	)	)	PUNCT
fsr-3538	840	13	2.970	2.970	NUM
fsr-3538	840	14	3.979	3.979	NUM
fsr-3538	840	15	1.009	1.009	NUM
fsr-3538	840	16	18.55	18.55	NUM
fsr-3538	840	17	*	*	PUNCT
fsr-3538	840	18	*	*	PUNCT
fsr-3538	840	19	*	*	PROPN
fsr-3538	840	20	panel	panel	NOUN
fsr-3538	840	21	d.	d.	PROPN
fsr-3538	840	22	objective	objective	ADJ
fsr-3538	840	23	questions	question	NOUN
fsr-3538	840	24	(	(	PUNCT
fsr-3538	840	25	“	"	PUNCT
fsr-3538	840	26	i	i	PRON
fsr-3538	840	27	do	do	AUX
fsr-3538	840	28	n’t	not	PART
fsr-3538	840	29	know	know	VERB
fsr-3538	840	30	”	"	PUNCT
fsr-3538	840	31	answers	answer	NOUN
fsr-3538	840	32	)	)	PUNCT
fsr-3538	840	33	1	1	NUM
fsr-3538	840	34	.	.	PUNCT
fsr-3538	840	35	is	be	AUX
fsr-3538	840	36	it	it	PRON
fsr-3538	840	37	safer	safe	ADJ
fsr-3538	840	38	to	to	PART
fsr-3538	840	39	put	put	VERB
fsr-3538	840	40	your	your	PRON
fsr-3538	840	41	money	money	NOUN
fsr-3538	840	42	into	into	ADP
fsr-3538	840	43	one	one	NUM
fsr-3538	840	44	investment	investment	NOUN
fsr-3538	840	45	or	or	CCONJ
fsr-3538	840	46	put	put	VERB
fsr-3538	840	47	your	your	PRON
fsr-3538	840	48	money	money	NOUN
fsr-3538	840	49	into	into	ADP
fsr-3538	840	50	multiple	multiple	ADJ
fsr-3538	840	51	investments	investment	NOUN
fsr-3538	840	52	?	?	PUNCT
fsr-3538	841	1	0.246	0.246	NUM
fsr-3538	841	2	0.045	0.045	NUM
fsr-3538	841	3	"	"	PUNCT
fsr-3538	841	4	0.201	0.201	NUM
fsr-3538	841	5	"	"	PUNCT
fsr-3538	841	6	14.87	14.87	NUM
fsr-3538	841	7	*	*	PUNCT
fsr-3538	841	8	*	*	PUNCT
fsr-3538	841	9	*	*	PROPN
fsr-3538	841	10	2	2	X
fsr-3538	841	11	.	.	PUNCT
fsr-3538	841	12	if	if	SCONJ
fsr-3538	841	13	you	you	PRON
fsr-3538	841	14	invest	invest	VERB
fsr-3538	841	15	$	$	SYM
fsr-3538	841	16	100	100	NUM
fsr-3538	841	17	in	in	ADP
fsr-3538	841	18	a	a	DET
fsr-3538	841	19	roth	roth	NOUN
fsr-3538	841	20	ira	ira	PROPN
fsr-3538	841	21	and	and	CCONJ
fsr-3538	841	22	earn	earn	VERB
fsr-3538	841	23	5	5	NUM
fsr-3538	841	24	%	%	NOUN
fsr-3538	841	25	per	per	ADP
fsr-3538	841	26	year	year	NOUN
fsr-3538	841	27	for	for	ADP
fsr-3538	841	28	3	3	NUM
fsr-3538	841	29	years	year	NOUN
fsr-3538	841	30	,	,	PUNCT
fsr-3538	841	31	how	how	SCONJ
fsr-3538	841	32	much	much	ADJ
fsr-3538	841	33	would	would	AUX
fsr-3538	841	34	it	it	PRON
fsr-3538	841	35	be	be	AUX
fsr-3538	841	36	worth	worth	ADJ
fsr-3538	841	37	at	at	ADP
fsr-3538	841	38	the	the	DET
fsr-3538	841	39	end	end	NOUN
fsr-3538	841	40	of	of	ADP
fsr-3538	841	41	three	three	NUM
fsr-3538	841	42	years	year	NOUN
fsr-3538	841	43	.	.	PUNCT
fsr-3538	842	1	0.346	0.346	NUM
fsr-3538	842	2	0.117	0.117	NUM
fsr-3538	842	3	"	"	PUNCT
fsr-3538	842	4	0.230	0.230	NUM
fsr-3538	842	5	"	"	PUNCT
fsr-3538	842	6	15.03	15.03	NUM
fsr-3538	842	7	*	*	PUNCT
fsr-3538	842	8	*	*	PUNCT
fsr-3538	842	9	*	*	NOUN
fsr-3538	842	10	3	3	X
fsr-3538	842	11	.	.	PUNCT
fsr-3538	843	1	if	if	SCONJ
fsr-3538	843	2	you	you	PRON
fsr-3538	843	3	use	use	VERB
fsr-3538	843	4	a	a	DET
fsr-3538	843	5	credit	credit	NOUN
fsr-3538	843	6	card	card	NOUN
fsr-3538	843	7	in	in	ADP
fsr-3538	843	8	january	january	PROPN
fsr-3538	843	9	for	for	ADP
fsr-3538	843	10	a	a	DET
fsr-3538	843	11	total	total	NOUN
fsr-3538	843	12	of	of	ADP
fsr-3538	843	13	$	$	SYM
fsr-3538	843	14	500	500	NUM
fsr-3538	843	15	,	,	PUNCT
fsr-3538	843	16	which	which	DET
fsr-3538	843	17	payment	payment	NOUN
fsr-3538	843	18	option	option	NOUN
fsr-3538	843	19	will	will	AUX
fsr-3538	843	20	result	result	VERB
fsr-3538	843	21	in	in	ADP
fsr-3538	843	22	the	the	DET
fsr-3538	843	23	lowest	low	ADJ
fsr-3538	843	24	amount	amount	NOUN
fsr-3538	843	25	of	of	ADP
fsr-3538	843	26	overall	overall	ADJ
fsr-3538	843	27	interest	interest	NOUN
fsr-3538	843	28	paid	pay	VERB
fsr-3538	843	29	.	.	PUNCT
fsr-3538	844	1	0.339	0.339	NUM
fsr-3538	844	2	0.068	0.068	NUM
fsr-3538	844	3	"	"	PUNCT
fsr-3538	844	4	0.270	0.270	NUM
fsr-3538	844	5	"	"	PUNCT
fsr-3538	844	6	18.50	18.50	NUM
fsr-3538	844	7	*	*	PUNCT
fsr-3538	844	8	*	*	PUNCT
fsr-3538	844	9	*	*	PUNCT
fsr-3538	844	10	4	4	X
fsr-3538	844	11	.	.	PUNCT
fsr-3538	844	12	suppose	suppose	VERB
fsr-3538	844	13	you	you	PRON
fsr-3538	844	14	decide	decide	VERB
fsr-3538	844	15	to	to	PART
fsr-3538	844	16	buy	buy	VERB
fsr-3538	844	17	an	an	DET
fsr-3538	844	18	audi	audi	NOUN
fsr-3538	844	19	for	for	ADP
fsr-3538	844	20	$	$	SYM
fsr-3538	844	21	50,000	50,000	NUM
fsr-3538	844	22	.	.	PUNCT
fsr-3538	845	1	if	if	SCONJ
fsr-3538	845	2	you	you	PRON
fsr-3538	845	3	take	take	VERB
fsr-3538	845	4	out	out	ADP
fsr-3538	845	5	an	an	DET
fsr-3538	845	6	auto	auto	NOUN
fsr-3538	845	7	loan	loan	NOUN
fsr-3538	845	8	for	for	ADP
fsr-3538	845	9	5	5	NUM
fsr-3538	845	10	years	year	NOUN
fsr-3538	845	11	with	with	ADP
fsr-3538	845	12	5	5	NUM
fsr-3538	845	13	%	%	NOUN
fsr-3538	845	14	interest	interest	NOUN
fsr-3538	845	15	,	,	PUNCT
fsr-3538	845	16	how	how	SCONJ
fsr-3538	845	17	much	much	ADJ
fsr-3538	845	18	total	total	NOUN
fsr-3538	845	19	will	will	AUX
fsr-3538	845	20	you	you	PRON
fsr-3538	845	21	pay	pay	VERB
fsr-3538	845	22	per	per	ADP
fsr-3538	845	23	year	year	NOUN
fsr-3538	845	24	?	?	PUNCT
fsr-3538	846	1	0.297	0.297	NUM
fsr-3538	846	2	0.096	0.096	NUM
fsr-3538	846	3	"	"	PUNCT
fsr-3538	846	4	0.201	0.201	NUM
fsr-3538	846	5	"	"	PUNCT
fsr-3538	846	6	13.15	13.15	NUM
fsr-3538	846	7	*	*	PUNCT
fsr-3538	846	8	*	*	PUNCT
fsr-3538	846	9	*	*	PROPN
fsr-3538	846	10	5	5	X
fsr-3538	846	11	.	.	PUNCT
fsr-3538	847	1	in	in	ADP
fsr-3538	847	2	the	the	DET
fsr-3538	847	3	future	future	NOUN
fsr-3538	847	4	,	,	PUNCT
fsr-3538	847	5	the	the	DET
fsr-3538	847	6	cost	cost	NOUN
fsr-3538	847	7	of	of	ADP
fsr-3538	847	8	things	thing	NOUN
fsr-3538	847	9	you	you	PRON
fsr-3538	847	10	buy	buy	VERB
fsr-3538	847	11	doubles	double	NOUN
fsr-3538	847	12	but	but	CCONJ
fsr-3538	847	13	your	your	PRON
fsr-3538	847	14	income	income	NOUN
fsr-3538	847	15	remains	remain	VERB
fsr-3538	847	16	the	the	DET
fsr-3538	847	17	same	same	ADJ
fsr-3538	847	18	.	.	PUNCT
fsr-3538	848	1	how	how	SCONJ
fsr-3538	848	2	much	much	ADJ
fsr-3538	848	3	will	will	AUX
fsr-3538	848	4	you	you	PRON
fsr-3538	848	5	be	be	AUX
fsr-3538	848	6	able	able	ADJ
fsr-3538	848	7	to	to	PART
fsr-3538	848	8	buy	buy	VERB
fsr-3538	848	9	in	in	ADP
fsr-3538	848	10	the	the	DET
fsr-3538	848	11	future	future	NOUN
fsr-3538	848	12	in	in	ADP
fsr-3538	848	13	comparison	comparison	NOUN
fsr-3538	848	14	to	to	ADP
fsr-3538	848	15	today	today	NOUN
fsr-3538	848	16	?	?	PUNCT
fsr-3538	849	1	0.172	0.172	NUM
fsr-3538	849	2	0.066	0.066	NUM
fsr-3538	849	3	"	"	PUNCT
fsr-3538	849	4	0.106	0.106	NUM
fsr-3538	849	5	"	"	PUNCT
fsr-3538	849	6	8.68	8.68	NUM
fsr-3538	849	7	*	*	PUNCT
fsr-3538	849	8	*	*	PUNCT
fsr-3538	849	9	*	*	PROPN
fsr-3538	849	10	6	6	NUM
fsr-3538	849	11	.	.	PUNCT
fsr-3538	849	12	suppose	suppose	VERB
fsr-3538	849	13	you	you	PRON
fsr-3538	849	14	have	have	VERB
fsr-3538	849	15	$	$	SYM
fsr-3538	849	16	40,000	40,000	NUM
fsr-3538	849	17	in	in	ADP
fsr-3538	849	18	student	student	NOUN
fsr-3538	849	19	debt	debt	NOUN
fsr-3538	849	20	.	.	PUNCT
fsr-3538	850	1	which	which	DET
fsr-3538	850	2	payment	payment	NOUN
fsr-3538	850	3	option	option	NOUN
fsr-3538	850	4	will	will	AUX
fsr-3538	850	5	result	result	VERB
fsr-3538	850	6	in	in	ADP
fsr-3538	850	7	the	the	DET
fsr-3538	850	8	lowest	low	ADJ
fsr-3538	850	9	amount	amount	NOUN
fsr-3538	850	10	of	of	ADP
fsr-3538	850	11	overall	overall	ADJ
fsr-3538	850	12	interest	interest	NOUN
fsr-3538	850	13	paid	pay	VERB
fsr-3538	850	14	?	?	PUNCT
fsr-3538	851	1	0.290	0.290	NUM
fsr-3538	851	2	0.089	0.089	NUM
fsr-3538	851	3	"	"	PUNCT
fsr-3538	851	4	0.201	0.201	NUM
fsr-3538	851	5	"	"	PUNCT
fsr-3538	851	6	13.96	13.96	NUM
fsr-3538	851	7	*	*	PUNCT
fsr-3538	851	8	*	*	PUNCT
fsr-3538	851	9	*	*	PUNCT
fsr-3538	851	10	total	total	ADJ
fsr-3538	851	11	score	score	NOUN
fsr-3538	851	12	for	for	ADP
fsr-3538	851	13	objective	objective	ADJ
fsr-3538	851	14	questions	question	NOUN
fsr-3538	851	15	(	(	PUNCT
fsr-3538	851	16	“	"	PUNCT
fsr-3538	851	17	i	i	PRON
fsr-3538	851	18	do	do	AUX
fsr-3538	851	19	n’t	not	PART
fsr-3538	851	20	know	know	VERB
fsr-3538	851	21	”	"	PUNCT
fsr-3538	851	22	answers	answer	NOUN
fsr-3538	851	23	)	)	PUNCT
fsr-3538	851	24	1.690	1.690	NUM
fsr-3538	851	25	0.482	0.482	NUM
fsr-3538	851	26	"	"	PUNCT
fsr-3538	851	27	1.209	1.209	NUM
fsr-3538	851	28	"	"	PUNCT
fsr-3538	851	29	22.43	22.43	NUM
fsr-3538	851	30	*	*	PUNCT
fsr-3538	851	31	*	*	PUNCT
fsr-3538	851	32	*	*	PUNCT
fsr-3538	851	33	note	note	NOUN
fsr-3538	851	34	.	.	PUNCT
fsr-3538	852	1	table	table	NOUN
fsr-3538	852	2	4a	4a	NOUN
fsr-3538	852	3	shows	show	VERB
fsr-3538	852	4	the	the	DET
fsr-3538	852	5	t	t	NOUN
fsr-3538	852	6	-	-	PUNCT
fsr-3538	852	7	test	test	NOUN
fsr-3538	852	8	results	result	NOUN
fsr-3538	852	9	of	of	ADP
fsr-3538	852	10	student	student	NOUN
fsr-3538	852	11	responses	response	NOUN
fsr-3538	852	12	to	to	ADP
fsr-3538	852	13	financial	financial	ADJ
fsr-3538	852	14	behavior	behavior	NOUN
fsr-3538	852	15	and	and	CCONJ
fsr-3538	852	16	knowledge	knowledge	NOUN
fsr-3538	852	17	questions	question	NOUN
fsr-3538	852	18	before	before	ADV
fsr-3538	852	19	and	and	CCONJ
fsr-3538	852	20	after	after	ADP
fsr-3538	852	21	the	the	DET
fsr-3538	852	22	financial	financial	ADJ
fsr-3538	852	23	literacy	literacy	NOUN
fsr-3538	852	24	educational	educational	ADJ
fsr-3538	852	25	efforts	effort	NOUN
fsr-3538	852	26	for	for	ADP
fsr-3538	852	27	the	the	DET
fsr-3538	852	28	test	test	NOUN
fsr-3538	852	29	sample	sample	NOUN
fsr-3538	852	30	.	.	PUNCT
fsr-3538	853	1	*	*	PUNCT
fsr-3538	854	1	*	*	PUNCT
fsr-3538	854	2	*	*	PUNCT
fsr-3538	854	3	,	,	PUNCT
fsr-3538	854	4	*	*	PUNCT
fsr-3538	854	5	*	*	PUNCT
fsr-3538	854	6	,	,	PUNCT
fsr-3538	854	7	*	*	PUNCT
fsr-3538	854	8	indicate	indicate	VERB
fsr-3538	854	9	statistical	statistical	ADJ
fsr-3538	854	10	significance	significance	NOUN
fsr-3538	854	11	at	at	ADP
fsr-3538	854	12	0.01	0.01	NUM
fsr-3538	854	13	,	,	PUNCT
fsr-3538	854	14	0.05	0.05	NUM
fsr-3538	854	15	,	,	PUNCT
fsr-3538	854	16	and	and	CCONJ
fsr-3538	854	17	0.10	0.10	NUM
fsr-3538	854	18	level	level	NOUN
fsr-3538	854	19	,	,	PUNCT
fsr-3538	854	20	respectively	respectively	ADV
fsr-3538	854	21	.	.	PUNCT
fsr-3538	855	1	g.	g.	PROPN
fsr-3538	855	2	filbeck	filbeck	NOUN
fsr-3538	855	3	and	and	CCONJ
fsr-3538	855	4	x.	x.	NOUN
fsr-3538	855	5	zhao	zhao	PROPN
fsr-3538	855	6	/	/	SYM
fsr-3538	855	7	financial	financial	ADJ
fsr-3538	855	8	services	service	NOUN
fsr-3538	855	9	review	review	VERB
fsr-3538	855	10	31	31	NUM
fsr-3538	855	11	(	(	PUNCT
fsr-3538	855	12	2023	2023	NUM
fsr-3538	855	13	)	)	PUNCT
fsr-3538	855	14	169–196	169–196	NUM
fsr-3538	855	15	195	195	NUM
fsr-3538	855	16	kabala	kabala	NOUN
fsr-3538	855	17	,	,	PUNCT
fsr-3538	855	18	m.	m.	NOUN
fsr-3538	855	19	,	,	PUNCT
fsr-3538	855	20	&	&	CCONJ
fsr-3538	855	21	natali	natali	PROPN
fsr-3538	855	22	,	,	PUNCT
fsr-3538	855	23	g.	g.	PROPN
fsr-3538	855	24	,	,	PUNCT
fsr-3538	855	25	jr	jr	PROPN
fsr-3538	855	26	.	.	PROPN
fsr-3538	855	27	,	,	PUNCT
fsr-3538	855	28	(	(	PUNCT
fsr-3538	855	29	2012	2012	NUM
fsr-3538	855	30	)	)	PUNCT
fsr-3538	855	31	.	.	PUNCT
fsr-3538	856	1	the	the	DET
fsr-3538	856	2	missing	miss	VERB
fsr-3538	856	3	semester	semester	NOUN
fsr-3538	856	4	.	.	PUNCT
fsr-3538	857	1	harriman	harriman	PROPN
fsr-3538	857	2	house	house	PROPN
fsr-3538	857	3	:	:	PUNCT
fsr-3538	857	4	petersfield	petersfield	PROPN
fsr-3538	857	5	,	,	PUNCT
fsr-3538	857	6	hampshire	hampshire	PROPN
fsr-3538	857	7	,	,	PUNCT
fsr-3538	857	8	uk	uk	PROPN
fsr-3538	857	9	.	.	PROPN
fsr-3538	857	10	kaiser	kaiser	PROPN
fsr-3538	857	11	,	,	PUNCT
fsr-3538	857	12	t.	t.	PROPN
fsr-3538	857	13	,	,	PUNCT
fsr-3538	857	14	&	&	CCONJ
fsr-3538	857	15	menkhoff	menkhoff	PROPN
fsr-3538	857	16	,	,	PUNCT
fsr-3538	857	17	l.	l.	PROPN
fsr-3538	857	18	(	(	PUNCT
fsr-3538	857	19	2017	2017	NUM
fsr-3538	857	20	)	)	PUNCT
fsr-3538	857	21	.	.	PUNCT
fsr-3538	858	1	does	do	VERB
fsr-3538	858	2	financial	financial	ADJ
fsr-3538	858	3	education	education	NOUN
fsr-3538	858	4	impact	impact	NOUN
fsr-3538	858	5	financial	financial	ADJ
fsr-3538	858	6	literacy	literacy	NOUN
fsr-3538	858	7	and	and	CCONJ
fsr-3538	858	8	financial	financial	ADJ
fsr-3538	858	9	behavior	behavior	NOUN
fsr-3538	858	10	,	,	PUNCT
fsr-3538	858	11	and	and	CCONJ
fsr-3538	858	12	if	if	SCONJ
fsr-3538	858	13	so	so	ADV
fsr-3538	858	14	,	,	PUNCT
fsr-3538	858	15	when	when	SCONJ
fsr-3538	858	16	?	?	PUNCT
fsr-3538	859	1	the	the	DET
fsr-3538	859	2	world	world	PROPN
fsr-3538	859	3	bank	bank	PROPN
fsr-3538	859	4	economic	economic	PROPN
fsr-3538	859	5	review	review	PROPN
fsr-3538	859	6	,	,	PUNCT
fsr-3538	859	7	31	31	NUM
fsr-3538	859	8	,	,	PUNCT
fsr-3538	859	9	611–630	611–630	NUM
fsr-3538	859	10	.	.	PUNCT
fsr-3538	860	1	https://doi.org/10.1093/wber/lhx018	https://doi.org/10.1093/wber/lhx018	PROPN
fsr-3538	860	2	kim	kim	PROPN
fsr-3538	860	3	,	,	PUNCT
fsr-3538	860	4	j.	j.	PROPN
fsr-3538	860	5	,	,	PUNCT
fsr-3538	860	6	russell	russell	PROPN
fsr-3538	860	7	,	,	PUNCT
fsr-3538	860	8	m.	m.	PROPN
fsr-3538	860	9	b.	b.	PROPN
fsr-3538	860	10	,	,	PUNCT
fsr-3538	860	11	&	&	CCONJ
fsr-3538	860	12	schroeder	schroeder	PROPN
fsr-3538	860	13	,	,	PUNCT
fsr-3538	860	14	a.	a.	NOUN
fsr-3538	860	15	(	(	PUNCT
fsr-3538	860	16	2017	2017	NUM
fsr-3538	860	17	)	)	PUNCT
fsr-3538	860	18	.	.	PUNCT
fsr-3538	861	1	online	online	ADJ
fsr-3538	861	2	financial	financial	ADJ
fsr-3538	861	3	education	education	NOUN
fsr-3538	861	4	programs	program	NOUN
fsr-3538	861	5	:	:	PUNCT
fsr-3538	861	6	theory	theory	NOUN
fsr-3538	861	7	,	,	PUNCT
fsr-3538	861	8	research	research	NOUN
fsr-3538	861	9	,	,	PUNCT
fsr-3538	861	10	and	and	CCONJ
fsr-3538	861	11	recommendations	recommendation	NOUN
fsr-3538	861	12	.	.	PUNCT
fsr-3538	862	1	journal	journal	NOUN
fsr-3538	862	2	of	of	ADP
fsr-3538	862	3	human	human	PROPN
fsr-3538	862	4	sciences	science	NOUN
fsr-3538	862	5	and	and	CCONJ
fsr-3538	862	6	extension	extension	NOUN
fsr-3538	862	7	,	,	PUNCT
fsr-3538	862	8	5	5	NUM
fsr-3538	862	9	.	.	PROPN
fsr-3538	862	10	https://doi.org/10.54718/lwde8654	https://doi.org/10.54718/lwde8654	PROPN
fsr-3538	862	11	lusardi	lusardi	PROPN
fsr-3538	862	12	,	,	PUNCT
fsr-3538	862	13	a.	a.	PROPN
fsr-3538	862	14	,	,	PUNCT
fsr-3538	862	15	&	&	CCONJ
fsr-3538	862	16	mitchell	mitchell	PROPN
fsr-3538	862	17	,	,	PUNCT
fsr-3538	862	18	o.	o.	PROPN
fsr-3538	862	19	(	(	PUNCT
fsr-3538	862	20	2008	2008	NUM
fsr-3538	862	21	)	)	PUNCT
fsr-3538	862	22	.	.	PUNCT
fsr-3538	863	1	planning	planning	NOUN
fsr-3538	863	2	and	and	CCONJ
fsr-3538	863	3	financial	financial	ADJ
fsr-3538	863	4	literacy	literacy	NOUN
fsr-3538	863	5	:	:	PUNCT
fsr-3538	863	6	how	how	SCONJ
fsr-3538	863	7	do	do	AUX
fsr-3538	863	8	women	woman	NOUN
fsr-3538	863	9	fare	fare	VERB
fsr-3538	863	10	?	?	PUNCT
fsr-3538	864	1	american	american	PROPN
fsr-3538	864	2	economic	economic	PROPN
fsr-3538	864	3	review	review	PROPN
fsr-3538	864	4	,	,	PUNCT
fsr-3538	864	5	98	98	NUM
fsr-3538	864	6	,	,	PUNCT
fsr-3538	864	7	413–417	413–417	NUM
fsr-3538	864	8	.	.	PUNCT
fsr-3538	865	1	https://doi.org/10.1257/aer.98.2.413	https://doi.org/10.1257/aer.98.2.413	PROPN
fsr-3538	865	2	lusardi	lusardi	NOUN
fsr-3538	865	3	,	,	PUNCT
fsr-3538	865	4	a.	a.	PROPN
fsr-3538	865	5	,	,	PUNCT
fsr-3538	865	6	&	&	CCONJ
fsr-3538	865	7	mitchell	mitchell	PROPN
fsr-3538	865	8	,	,	PUNCT
fsr-3538	865	9	o.	o.	PROPN
fsr-3538	865	10	(	(	PUNCT
fsr-3538	865	11	2011	2011	NUM
fsr-3538	865	12	)	)	PUNCT
fsr-3538	865	13	.	.	PUNCT
fsr-3538	866	1	financial	financial	ADJ
fsr-3538	866	2	literacy	literacy	NOUN
fsr-3538	866	3	and	and	CCONJ
fsr-3538	866	4	planning	planning	NOUN
fsr-3538	866	5	:	:	PUNCT
fsr-3538	866	6	implications	implication	NOUN
fsr-3538	866	7	for	for	ADP
fsr-3538	866	8	retirement	retirement	NOUN
fsr-3538	866	9	wellbeing	wellbee	VERB
fsr-3538	866	10	.	.	PUNCT
fsr-3538	867	1	in	in	ADP
fsr-3538	867	2	o.	o.	PROPN
fsr-3538	867	3	s.	s.	PROPN
fsr-3538	867	4	mitchell	mitchell	PROPN
fsr-3538	867	5	&	&	CCONJ
fsr-3538	867	6	a.	a.	PROPN
fsr-3538	867	7	lusardi	lusardi	PROPN
fsr-3538	867	8	(	(	PUNCT
fsr-3538	867	9	eds	ed	NOUN
fsr-3538	867	10	.	.	PUNCT
fsr-3538	867	11	)	)	PUNCT
fsr-3538	867	12	,	,	PUNCT
fsr-3538	867	13	financial	financial	ADJ
fsr-3538	867	14	literacy	literacy	NOUN
fsr-3538	867	15	:	:	PUNCT
fsr-3538	867	16	implications	implication	NOUN
fsr-3538	867	17	for	for	ADP
fsr-3538	867	18	retirement	retirement	NOUN
fsr-3538	867	19	security	security	NOUN
fsr-3538	867	20	and	and	CCONJ
fsr-3538	867	21	the	the	DET
fsr-3538	867	22	financial	financial	ADJ
fsr-3538	867	23	marketplace	marketplace	NOUN
fsr-3538	867	24	(	(	PUNCT
fsr-3538	867	25	pp	pp	ADJ
fsr-3538	867	26	.	.	PUNCT
fsr-3538	867	27	17–39	17–39	NUM
fsr-3538	867	28	)	)	PUNCT
fsr-3538	867	29	.	.	PUNCT
fsr-3538	868	1	oxford	oxford	NOUN
fsr-3538	868	2	:	:	PUNCT
fsr-3538	868	3	oxford	oxford	PROPN
fsr-3538	868	4	university	university	PROPN
fsr-3538	868	5	press	press	NOUN
fsr-3538	868	6	.	.	PUNCT
fsr-3538	869	1	lusardi	lusardi	PROPN
fsr-3538	869	2	,	,	PUNCT
fsr-3538	869	3	a.	a.	PROPN
fsr-3538	869	4	,	,	PUNCT
fsr-3538	869	5	&	&	CCONJ
fsr-3538	869	6	mitchell	mitchell	PROPN
fsr-3538	869	7	,	,	PUNCT
fsr-3538	869	8	o.	o.	PROPN
fsr-3538	869	9	(	(	PUNCT
fsr-3538	869	10	2014	2014	NUM
fsr-3538	869	11	)	)	PUNCT
fsr-3538	869	12	.	.	PUNCT
fsr-3538	870	1	the	the	DET
fsr-3538	870	2	economic	economic	ADJ
fsr-3538	870	3	importance	importance	NOUN
fsr-3538	870	4	of	of	ADP
fsr-3538	870	5	financial	financial	ADJ
fsr-3538	870	6	literacy	literacy	NOUN
fsr-3538	870	7	:	:	PUNCT
fsr-3538	870	8	theory	theory	NOUN
fsr-3538	870	9	and	and	CCONJ
fsr-3538	870	10	evidence	evidence	NOUN
fsr-3538	870	11	.	.	PUNCT
fsr-3538	871	1	journal	journal	NOUN
fsr-3538	871	2	of	of	ADP
fsr-3538	871	3	economic	economic	ADJ
fsr-3538	871	4	literature	literature	NOUN
fsr-3538	871	5	,	,	PUNCT
fsr-3538	871	6	52	52	NUM
fsr-3538	871	7	,	,	PUNCT
fsr-3538	871	8	5–44	5–44	PROPN
fsr-3538	871	9	.	.	PROPN
fsr-3538	871	10	https://doi.org/10.1257/jel.52.1.5	https://doi.org/10.1257/jel.52.1.5	PROPN
fsr-3538	871	11	lusardi	lusardi	PROPN
fsr-3538	871	12	,	,	PUNCT
fsr-3538	871	13	a.	a.	PROPN
fsr-3538	871	14	,	,	PUNCT
fsr-3538	871	15	mitchell	mitchell	PROPN
fsr-3538	871	16	,	,	PUNCT
fsr-3538	871	17	o.	o.	PROPN
fsr-3538	871	18	,	,	PUNCT
fsr-3538	871	19	&	&	CCONJ
fsr-3538	871	20	curto	curto	PROPN
fsr-3538	871	21	,	,	PUNCT
fsr-3538	871	22	v.	v.	PROPN
fsr-3538	871	23	(	(	PUNCT
fsr-3538	871	24	2010	2010	NUM
fsr-3538	871	25	)	)	PUNCT
fsr-3538	871	26	.	.	PUNCT
fsr-3538	872	1	financial	financial	ADJ
fsr-3538	872	2	literacy	literacy	NOUN
fsr-3538	872	3	among	among	ADP
fsr-3538	872	4	the	the	DET
fsr-3538	872	5	young	young	ADJ
fsr-3538	872	6	.	.	PUNCT
fsr-3538	873	1	journal	journal	PROPN
fsr-3538	873	2	of	of	ADP
fsr-3538	873	3	consumer	consumer	NOUN
fsr-3538	873	4	affairs	affair	NOUN
fsr-3538	873	5	,	,	PUNCT
fsr-3538	873	6	44	44	NUM
fsr-3538	873	7	,	,	PUNCT
fsr-3538	873	8	358–380	358–380	NUM
fsr-3538	873	9	.	.	PUNCT
fsr-3538	873	10	https://doi.org/10.1111/j.1745-6606.2010.01173.x	https://doi.org/10.1111/j.1745-6606.2010.01173.x	PROPN
fsr-3538	873	11	morgan	morgan	PROPN
fsr-3538	873	12	,	,	PUNCT
fsr-3538	873	13	p.	p.	PROPN
fsr-3538	873	14	,	,	PUNCT
fsr-3538	873	15	huang	huang	PROPN
fsr-3538	873	16	,	,	PUNCT
fsr-3538	873	17	b.	b.	PROPN
fsr-3538	873	18	,	,	PUNCT
fsr-3538	873	19	&	&	CCONJ
fsr-3538	873	20	trinh	trinh	PROPN
fsr-3538	873	21	,	,	PUNCT
fsr-3538	873	22	l.	l.	PROPN
fsr-3538	873	23	q.	q.	PROPN
fsr-3538	873	24	(	(	PUNCT
fsr-3538	873	25	2019	2019	NUM
fsr-3538	873	26	)	)	PUNCT
fsr-3538	873	27	.	.	PUNCT
fsr-3538	874	1	the	the	DET
fsr-3538	874	2	need	need	NOUN
fsr-3538	874	3	to	to	PART
fsr-3538	874	4	promote	promote	VERB
fsr-3538	874	5	digital	digital	ADJ
fsr-3538	874	6	financial	financial	ADJ
fsr-3538	874	7	literacy	literacy	NOUN
fsr-3538	874	8	for	for	ADP
fsr-3538	874	9	the	the	DET
fsr-3538	874	10	digital	digital	ADJ
fsr-3538	874	11	age	age	NOUN
fsr-3538	874	12	,	,	PUNCT
fsr-3538	874	13	in	in	ADP
fsr-3538	874	14	adbi	adbi	NOUN
fsr-3538	874	15	and	and	CCONJ
fsr-3538	874	16	jica	jica	PROPN
fsr-3538	874	17	.	.	PUNCT
fsr-3538	875	1	in	in	ADP
fsr-3538	875	2	k.	k.	PROPN
fsr-3538	875	3	yoshida	yoshida	PROPN
fsr-3538	875	4	&	&	CCONJ
fsr-3538	875	5	a.	a.	PROPN
fsr-3538	875	6	cardini	cardini	PROPN
fsr-3538	875	7	(	(	PUNCT
fsr-3538	875	8	eds	ed	NOUN
fsr-3538	875	9	.	.	PUNCT
fsr-3538	875	10	)	)	PUNCT
fsr-3538	875	11	,	,	PUNCT
fsr-3538	875	12	realizing	realize	VERB
fsr-3538	875	13	education	education	NOUN
fsr-3538	875	14	for	for	ADP
fsr-3538	875	15	all	all	PRON
fsr-3538	875	16	in	in	ADP
fsr-3538	875	17	the	the	DET
fsr-3538	875	18	digital	digital	ADJ
fsr-3538	875	19	age	age	NOUN
fsr-3538	875	20	(	(	PUNCT
fsr-3538	875	21	pp	pp	ADJ
fsr-3538	875	22	.	.	PUNCT
fsr-3538	875	23	40–47	40–47	NUM
fsr-3538	875	24	)	)	PUNCT
fsr-3538	875	25	.	.	PUNCT
fsr-3538	876	1	asian	asian	PROPN
fsr-3538	876	2	development	development	PROPN
fsr-3538	876	3	bank	bank	PROPN
fsr-3538	876	4	institute	institute	PROPN
fsr-3538	876	5	,	,	PUNCT
fsr-3538	876	6	adbi	adbi	PROPN
fsr-3538	876	7	press	press	NOUN
fsr-3538	876	8	:	:	PUNCT
fsr-3538	876	9	tokyo	tokyo	PROPN
fsr-3538	876	10	.	.	PUNCT
fsr-3538	877	1	natali	natali	PROPN
fsr-3538	877	2	,	,	PUNCT
fsr-3538	877	3	g.	g.	PROPN
fsr-3538	877	4	(	(	PUNCT
fsr-3538	877	5	2020	2020	NUM
fsr-3538	877	6	)	)	PUNCT
fsr-3538	877	7	.	.	PUNCT
fsr-3538	878	1	the	the	DET
fsr-3538	878	2	missing	missing	ADJ
fsr-3538	878	3	second	second	ADJ
fsr-3538	878	4	semester	semester	NOUN
fsr-3538	878	5	.	.	PUNCT
fsr-3538	879	1	harriman	harriman	PROPN
fsr-3538	879	2	house	house	PROPN
fsr-3538	879	3	:	:	PUNCT
fsr-3538	879	4	petersfield	petersfield	PROPN
fsr-3538	879	5	,	,	PUNCT
fsr-3538	879	6	hampshire	hampshire	PROPN
fsr-3538	879	7	,	,	PUNCT
fsr-3538	879	8	uk	uk	PROPN
fsr-3538	879	9	.	.	PROPN
fsr-3538	879	10	noetel	noetel	PROPN
fsr-3538	879	11	,	,	PUNCT
fsr-3538	879	12	m.	m.	NOUN
fsr-3538	879	13	,	,	PUNCT
fsr-3538	879	14	griffith	griffith	PROPN
fsr-3538	879	15	,	,	PUNCT
fsr-3538	879	16	s.	s.	PROPN
fsr-3538	879	17	,	,	PUNCT
fsr-3538	879	18	delaney	delaney	PROPN
fsr-3538	879	19	,	,	PUNCT
fsr-3538	879	20	o.	o.	PROPN
fsr-3538	879	21	,	,	PUNCT
fsr-3538	879	22	sanders	sander	NOUN
fsr-3538	879	23	,	,	PUNCT
fsr-3538	879	24	t.	t.	PROPN
fsr-3538	879	25	,	,	PUNCT
fsr-3538	879	26	parker	parker	PROPN
fsr-3538	879	27	,	,	PUNCT
fsr-3538	879	28	p.	p.	PROPN
fsr-3538	879	29	,	,	PUNCT
fsr-3538	879	30	del	del	PROPN
fsr-3538	879	31	pozo	pozo	PROPN
fsr-3538	879	32	cruz	cruz	PROPN
fsr-3538	879	33	,	,	PUNCT
fsr-3538	879	34	b.	b.	PROPN
fsr-3538	879	35	,	,	PUNCT
fsr-3538	879	36	&	&	CCONJ
fsr-3538	879	37	lonsdale	lonsdale	PROPN
fsr-3538	879	38	,	,	PUNCT
fsr-3538	879	39	c.	c.	PROPN
fsr-3538	879	40	(	(	PUNCT
fsr-3538	879	41	2020	2020	NUM
fsr-3538	879	42	)	)	PUNCT
fsr-3538	879	43	.	.	PUNCT
fsr-3538	880	1	video	video	NOUN
fsr-3538	880	2	improves	improve	VERB
fsr-3538	880	3	learning	learn	VERB
fsr-3538	880	4	in	in	ADP
fsr-3538	880	5	higher	high	ADJ
fsr-3538	880	6	education	education	NOUN
fsr-3538	880	7	:	:	PUNCT
fsr-3538	880	8	a	a	DET
fsr-3538	880	9	systematic	systematic	ADJ
fsr-3538	880	10	review	review	NOUN
fsr-3538	880	11	.	.	PUNCT
fsr-3538	881	1	available	available	ADJ
fsr-3538	881	2	at	at	ADP
fsr-3538	881	3	https://psyarxiv.com/kynez	https://psyarxiv.com/kynez	PROPN
fsr-3538	881	4	pangestu	pangestu	PROPN
fsr-3538	881	5	,	,	PUNCT
fsr-3538	881	6	s.	s.	PROPN
fsr-3538	881	7	,	,	PUNCT
fsr-3538	881	8	&	&	CCONJ
fsr-3538	881	9	karnadi	karnadi	PROPN
fsr-3538	881	10	,	,	PUNCT
fsr-3538	881	11	e.	e.	PROPN
fsr-3538	881	12	(	(	PUNCT
fsr-3538	881	13	2020	2020	NUM
fsr-3538	881	14	)	)	PUNCT
fsr-3538	881	15	.	.	PUNCT
fsr-3538	882	1	the	the	DET
fsr-3538	882	2	effects	effect	NOUN
fsr-3538	882	3	of	of	ADP
fsr-3538	882	4	financial	financial	ADJ
fsr-3538	882	5	literacy	literacy	NOUN
fsr-3538	882	6	and	and	CCONJ
fsr-3538	882	7	materialism	materialism	NOUN
fsr-3538	882	8	on	on	ADP
fsr-3538	882	9	the	the	DET
fsr-3538	882	10	savings	saving	NOUN
fsr-3538	882	11	decision	decision	NOUN
fsr-3538	882	12	of	of	ADP
fsr-3538	882	13	generation	generation	NOUN
fsr-3538	882	14	z	z	NOUN
fsr-3538	882	15	indonesians	indonesians	PROPN
fsr-3538	882	16	.	.	PUNCT
fsr-3538	883	1	cogent	cogent	NOUN
fsr-3538	883	2	business	business	PROPN
fsr-3538	883	3	&	&	CCONJ
fsr-3538	883	4	management	management	PROPN
fsr-3538	883	5	,	,	PUNCT
fsr-3538	883	6	7	7	NUM
fsr-3538	883	7	,	,	PUNCT
fsr-3538	883	8	1743618	1743618	NUM
fsr-3538	883	9	.	.	PUNCT
fsr-3538	884	1	https://doi.org/10.1080/23311975.2020.1743618	https://doi.org/10.1080/23311975.2020.1743618	NOUN
fsr-3538	884	2	panos	panos	PROPN
fsr-3538	884	3	,	,	PUNCT
fsr-3538	884	4	g.	g.	PROPN
fsr-3538	884	5	,	,	PUNCT
fsr-3538	884	6	&	&	CCONJ
fsr-3538	884	7	wilson	wilson	PROPN
fsr-3538	884	8	,	,	PUNCT
fsr-3538	884	9	j.	j.	PROPN
fsr-3538	884	10	(	(	PUNCT
fsr-3538	884	11	2020	2020	NUM
fsr-3538	884	12	)	)	PUNCT
fsr-3538	884	13	.	.	PUNCT
fsr-3538	885	1	financial	financial	ADJ
fsr-3538	885	2	literacy	literacy	NOUN
fsr-3538	885	3	and	and	CCONJ
fsr-3538	885	4	responsible	responsible	ADJ
fsr-3538	885	5	finance	finance	NOUN
fsr-3538	885	6	in	in	ADP
fsr-3538	885	7	the	the	DET
fsr-3538	885	8	fintech	fintech	NOUN
fsr-3538	885	9	era	era	NOUN
fsr-3538	885	10	:	:	PUNCT
fsr-3538	885	11	capabilities	capability	NOUN
fsr-3538	885	12	and	and	CCONJ
fsr-3538	885	13	challenges	challenge	NOUN
fsr-3538	885	14	.	.	PUNCT
fsr-3538	886	1	the	the	DET
fsr-3538	886	2	european	european	PROPN
fsr-3538	886	3	journal	journal	PROPN
fsr-3538	886	4	of	of	ADP
fsr-3538	886	5	finance	finance	NOUN
fsr-3538	886	6	,	,	PUNCT
fsr-3538	886	7	26	26	NUM
fsr-3538	886	8	,	,	PUNCT
fsr-3538	886	9	297–301	297–301	NUM
fsr-3538	886	10	.	.	PUNCT
fsr-3538	887	1	https://doi.org/10.1080/1351847x.2020.1717569	https://doi.org/10.1080/1351847x.2020.1717569	PROPN
fsr-3538	887	2	preston	preston	PROPN
fsr-3538	887	3	,	,	PUNCT
fsr-3538	887	4	a.	a.	PROPN
fsr-3538	887	5	,	,	PUNCT
fsr-3538	887	6	&	&	CCONJ
fsr-3538	887	7	wright	wright	PROPN
fsr-3538	887	8	,	,	PUNCT
fsr-3538	887	9	r.	r.	PROPN
fsr-3538	887	10	(	(	PUNCT
fsr-3538	887	11	2019	2019	NUM
fsr-3538	887	12	)	)	PUNCT
fsr-3538	887	13	.	.	PUNCT
fsr-3538	888	1	understanding	understand	VERB
fsr-3538	888	2	the	the	DET
fsr-3538	888	3	gender	gender	NOUN
fsr-3538	888	4	gap	gap	NOUN
fsr-3538	888	5	in	in	ADP
fsr-3538	888	6	financial	financial	ADJ
fsr-3538	888	7	literacy	literacy	NOUN
fsr-3538	888	8	:	:	PUNCT
fsr-3538	888	9	evidence	evidence	NOUN
fsr-3538	888	10	from	from	ADP
fsr-3538	888	11	australia	australia	PROPN
fsr-3538	888	12	.	.	PUNCT
fsr-3538	889	1	economic	economic	ADJ
fsr-3538	889	2	record	record	NOUN
fsr-3538	889	3	,	,	PUNCT
fsr-3538	889	4	95	95	NUM
fsr-3538	889	5	,	,	PUNCT
fsr-3538	889	6	1–29	1–29	PROPN
fsr-3538	889	7	.	.	PUNCT
fsr-3538	890	1	https://doi.org/10.1111/1475-4932.12472	https://doi.org/10.1111/1475-4932.12472	PROPN
fsr-3538	890	2	riener	riener	PROPN
fsr-3538	890	3	,	,	PUNCT
fsr-3538	890	4	g.	g.	PROPN
fsr-3538	890	5	,	,	PUNCT
fsr-3538	890	6	&	&	CCONJ
fsr-3538	890	7	wagner	wagner	PROPN
fsr-3538	890	8	,	,	PUNCT
fsr-3538	890	9	v.	v.	PROPN
fsr-3538	890	10	(	(	PUNCT
fsr-3538	890	11	2017	2017	NUM
fsr-3538	890	12	)	)	PUNCT
fsr-3538	890	13	.	.	PUNCT
fsr-3538	891	1	shying	shy	VERB
fsr-3538	891	2	away	away	ADV
fsr-3538	891	3	from	from	ADP
fsr-3538	891	4	demanding	demand	VERB
fsr-3538	891	5	tasks	task	NOUN
fsr-3538	891	6	?	?	PUNCT
fsr-3538	892	1	experimental	experimental	ADJ
fsr-3538	892	2	evidence	evidence	NOUN
fsr-3538	892	3	on	on	ADP
fsr-3538	892	4	gender	gender	NOUN
fsr-3538	892	5	differences	difference	NOUN
fsr-3538	892	6	in	in	ADP
fsr-3538	892	7	answering	answer	VERB
fsr-3538	892	8	multiple	multiple	ADJ
fsr-3538	892	9	-	-	PUNCT
fsr-3538	892	10	choice	choice	NOUN
fsr-3538	892	11	questions	question	NOUN
fsr-3538	892	12	.	.	PUNCT
fsr-3538	893	1	economics	economic	NOUN
fsr-3538	893	2	of	of	ADP
fsr-3538	893	3	education	education	PROPN
fsr-3538	893	4	review	review	NOUN
fsr-3538	893	5	,	,	PUNCT
fsr-3538	893	6	59	59	NUM
fsr-3538	893	7	,	,	PUNCT
fsr-3538	893	8	43–62	43–62	NUM
fsr-3538	893	9	.	.	PROPN
fsr-3538	893	10	https://doi.org/	https://doi.org/	VERB
fsr-3538	893	11	10.1016	10.1016	NUM
fsr-3538	893	12	/	/	SYM
fsr-3538	893	13	j.econedurev.2017.06.005	j.econedurev.2017.06.005	PROPN
fsr-3538	893	14	saygin	saygin	NOUN
fsr-3538	893	15	,	,	PUNCT
fsr-3538	893	16	p.	p.	PROPN
fsr-3538	893	17	o.	o.	PROPN
fsr-3538	893	18	,	,	PUNCT
fsr-3538	893	19	&	&	CCONJ
fsr-3538	893	20	atwater	atwater	PROPN
fsr-3538	893	21	,	,	PUNCT
fsr-3538	893	22	a.	a.	NOUN
fsr-3538	893	23	(	(	PUNCT
fsr-3538	893	24	2021	2021	NUM
fsr-3538	893	25	)	)	PUNCT
fsr-3538	893	26	.	.	PUNCT
fsr-3538	894	1	gender	gender	NOUN
fsr-3538	894	2	differences	difference	NOUN
fsr-3538	894	3	in	in	ADP
fsr-3538	894	4	leaving	leave	VERB
fsr-3538	894	5	questions	question	NOUN
fsr-3538	894	6	blank	blank	ADJ
fsr-3538	894	7	on	on	ADP
fsr-3538	894	8	high	high	ADJ
fsr-3538	894	9	-	-	PUNCT
fsr-3538	894	10	stakes	stake	NOUN
fsr-3538	894	11	standardized	standardized	ADJ
fsr-3538	894	12	tests	test	NOUN
fsr-3538	894	13	.	.	PUNCT
fsr-3538	895	1	economics	economic	NOUN
fsr-3538	895	2	of	of	ADP
fsr-3538	895	3	education	education	PROPN
fsr-3538	895	4	review	review	NOUN
fsr-3538	895	5	,	,	PUNCT
fsr-3538	895	6	84	84	NUM
fsr-3538	895	7	,	,	PUNCT
fsr-3538	895	8	102162	102162	NUM
fsr-3538	895	9	.	.	PUNCT
fsr-3538	896	1	https://doi.org/10.1016/j.econedurev.2021.102162	https://doi.org/10.1016/j.econedurev.2021.102162	PROPN
fsr-3538	896	2	semercioglu	semercioglu	NOUN
fsr-3538	896	3	,	,	PUNCT
fsr-3538	896	4	m.	m.	NOUN
fsr-3538	896	5	,	,	PUNCT
fsr-3538	896	6	&	&	CCONJ
fsr-3538	896	7	akcay	akcay	PROPN
fsr-3538	896	8	,	,	PUNCT
fsr-3538	896	9	a.	a.	NOUN
fsr-3538	896	10	(	(	PUNCT
fsr-3538	896	11	2016	2016	NUM
fsr-3538	896	12	)	)	PUNCT
fsr-3538	896	13	.	.	PUNCT
fsr-3538	897	1	high	high	ADJ
fsr-3538	897	2	school	school	NOUN
fsr-3538	897	3	student	student	NOUN
fsr-3538	897	4	financial	financial	ADJ
fsr-3538	897	5	literacy	literacy	NOUN
fsr-3538	897	6	according	accord	VERB
fsr-3538	897	7	to	to	ADP
fsr-3538	897	8	school	school	NOUN
fsr-3538	897	9	type	type	NOUN
fsr-3538	897	10	.	.	PUNCT
fsr-3538	898	1	economic	economic	ADJ
fsr-3538	898	2	and	and	CCONJ
fsr-3538	898	3	social	social	ADJ
fsr-3538	898	4	development	development	NOUN
fsr-3538	898	5	:	:	PUNCT
fsr-3538	898	6	book	book	NOUN
fsr-3538	898	7	of	of	ADP
fsr-3538	898	8	proceedings	proceeding	NOUN
fsr-3538	898	9	,	,	PUNCT
fsr-3538	898	10	proceedings	proceeding	NOUN
fsr-3538	898	11	of	of	ADP
fsr-3538	898	12	the	the	DET
fsr-3538	898	13	15th	15th	ADJ
fsr-3538	898	14	international	international	ADJ
fsr-3538	898	15	scientific	scientific	ADJ
fsr-3538	898	16	conference	conference	NOUN
fsr-3538	898	17	on	on	ADP
fsr-3538	898	18	economic	economic	ADJ
fsr-3538	898	19	and	and	CCONJ
fsr-3538	898	20	social	social	ADJ
fsr-3538	898	21	development	development	NOUN
fsr-3538	898	22	–	–	PUNCT
fsr-3538	898	23	human	human	ADJ
fsr-3538	898	24	resources	resource	NOUN
fsr-3538	898	25	development	development	NOUN
fsr-3538	898	26	,	,	PUNCT
fsr-3538	898	27	varazdin	varazdin	VERB
fsr-3538	898	28	9	9	NUM
fsr-3538	898	29	-	-	SYM
fsr-3538	898	30	10	10	NUM
fsr-3538	898	31	,	,	PUNCT
fsr-3538	898	32	2016	2016	NUM
fsr-3538	898	33	,	,	PUNCT
fsr-3538	898	34	88–92	88–92	NUM
fsr-3538	898	35	.	.	PUNCT
fsr-3538	898	36	stopler	stopler	NOUN
fsr-3538	898	37	,	,	PUNCT
fsr-3538	898	38	o.	o.	PROPN
fsr-3538	898	39	,	,	PUNCT
fsr-3538	898	40	&	&	CCONJ
fsr-3538	898	41	walter	walter	PROPN
fsr-3538	898	42	,	,	PUNCT
fsr-3538	898	43	a.	a.	PROPN
fsr-3538	898	44	(	(	PUNCT
fsr-3538	898	45	2017	2017	NUM
fsr-3538	898	46	)	)	PUNCT
fsr-3538	898	47	.	.	PUNCT
fsr-3538	899	1	financial	financial	ADJ
fsr-3538	899	2	literacy	literacy	NOUN
fsr-3538	899	3	,	,	PUNCT
fsr-3538	899	4	financial	financial	ADJ
fsr-3538	899	5	advice	advice	NOUN
fsr-3538	899	6	,	,	PUNCT
fsr-3538	899	7	and	and	CCONJ
fsr-3538	899	8	financial	financial	ADJ
fsr-3538	899	9	behavior	behavior	NOUN
fsr-3538	899	10	.	.	PUNCT
fsr-3538	900	1	journal	journal	PROPN
fsr-3538	900	2	of	of	ADP
fsr-3538	900	3	business	business	NOUN
fsr-3538	900	4	economics	economic	NOUN
fsr-3538	900	5	,	,	PUNCT
fsr-3538	900	6	87	87	NUM
fsr-3538	900	7	,	,	PUNCT
fsr-3538	900	8	581–643	581–643	NUM
fsr-3538	900	9	.	.	PUNCT
fsr-3538	901	1	https://link.springer.com/article/10.1007/s11573-017-0853-9	https://link.springer.com/article/10.1007/s11573-017-0853-9	PROPN
fsr-3538	901	2	tang	tang	PROPN
fsr-3538	901	3	,	,	PUNCT
fsr-3538	901	4	n.	n.	NOUN
fsr-3538	901	5	,	,	PUNCT
fsr-3538	901	6	&	&	CCONJ
fsr-3538	901	7	baker	baker	PROPN
fsr-3538	901	8	,	,	PUNCT
fsr-3538	901	9	a.	a.	PROPN
fsr-3538	901	10	(	(	PUNCT
fsr-3538	901	11	2016	2016	NUM
fsr-3538	901	12	)	)	PUNCT
fsr-3538	901	13	.	.	PUNCT
fsr-3538	902	1	self	self	NOUN
fsr-3538	902	2	-	-	PUNCT
fsr-3538	902	3	esteem	esteem	NOUN
fsr-3538	902	4	,	,	PUNCT
fsr-3538	902	5	financial	financial	ADJ
fsr-3538	902	6	knowledge	knowledge	NOUN
fsr-3538	902	7	,	,	PUNCT
fsr-3538	902	8	and	and	CCONJ
fsr-3538	902	9	financial	financial	ADJ
fsr-3538	902	10	behavior	behavior	NOUN
fsr-3538	902	11	.	.	PUNCT
fsr-3538	903	1	journal	journal	NOUN
fsr-3538	903	2	of	of	ADP
fsr-3538	903	3	economic	economic	ADJ
fsr-3538	903	4	psychology	psychology	NOUN
fsr-3538	903	5	,	,	PUNCT
fsr-3538	903	6	54	54	NUM
fsr-3538	903	7	,	,	PUNCT
fsr-3538	903	8	164–176	164–176	NUM
fsr-3538	903	9	.	.	PUNCT
fsr-3538	904	1	https://doi.org/10.1016/j.joep.2016.04.005	https://doi.org/10.1016/j.joep.2016.04.005	PROPN
fsr-3538	904	2	van	van	PROPN
fsr-3538	904	3	alten	alten	NOUN
fsr-3538	904	4	,	,	PUNCT
fsr-3538	904	5	d.	d.	PROPN
fsr-3538	904	6	c.	c.	PROPN
fsr-3538	904	7	d.	d.	PROPN
fsr-3538	904	8	,	,	PUNCT
fsr-3538	904	9	phielix	phielix	ADJ
fsr-3538	904	10	,	,	PUNCT
fsr-3538	904	11	c.	c.	PROPN
fsr-3538	904	12	,	,	PUNCT
fsr-3538	904	13	janssen	janssen	PROPN
fsr-3538	904	14	,	,	PUNCT
fsr-3538	904	15	j.	j.	PROPN
fsr-3538	904	16	,	,	PUNCT
fsr-3538	904	17	&	&	CCONJ
fsr-3538	904	18	kester	kester	PROPN
fsr-3538	904	19	,	,	PUNCT
fsr-3538	904	20	l.	l.	PROPN
fsr-3538	904	21	(	(	PUNCT
fsr-3538	904	22	2019	2019	NUM
fsr-3538	904	23	)	)	PUNCT
fsr-3538	904	24	.	.	PUNCT
fsr-3538	905	1	effects	effect	NOUN
fsr-3538	905	2	of	of	ADP
fsr-3538	905	3	flipping	flip	VERB
fsr-3538	905	4	the	the	DET
fsr-3538	905	5	classroom	classroom	NOUN
fsr-3538	905	6	on	on	ADP
fsr-3538	905	7	learning	learn	VERB
fsr-3538	905	8	outcomes	outcome	NOUN
fsr-3538	905	9	and	and	CCONJ
fsr-3538	905	10	satisfaction	satisfaction	NOUN
fsr-3538	905	11	:	:	PUNCT
fsr-3538	905	12	a	a	DET
fsr-3538	905	13	meta	meta	ADJ
fsr-3538	905	14	-	-	PUNCT
fsr-3538	905	15	analysis	analysis	NOUN
fsr-3538	905	16	.	.	PUNCT
fsr-3538	906	1	educational	educational	ADJ
fsr-3538	906	2	research	research	PROPN
fsr-3538	906	3	review	review	PROPN
fsr-3538	906	4	,	,	PUNCT
fsr-3538	906	5	28	28	NUM
fsr-3538	906	6	,	,	PUNCT
fsr-3538	906	7	100281	100281	NUM
fsr-3538	906	8	.	.	PUNCT
fsr-3538	907	1	https://doi.org/	https://doi.org/	VERB
fsr-3538	907	2	10.1016	10.1016	NUM
fsr-3538	907	3	/	/	SYM
fsr-3538	907	4	j.edurev.2019.05.003	j.edurev.2019.05.003	NOUN
fsr-3538	907	5	wolla	wolla	NOUN
fsr-3538	907	6	,	,	PUNCT
fsr-3538	907	7	s.	s.	PROPN
fsr-3538	907	8	(	(	PUNCT
fsr-3538	907	9	2017	2017	NUM
fsr-3538	907	10	)	)	PUNCT
fsr-3538	907	11	.	.	PUNCT
fsr-3538	908	1	evaluating	evaluate	VERB
fsr-3538	908	2	the	the	DET
fsr-3538	908	3	effectiveness	effectiveness	NOUN
fsr-3538	908	4	of	of	ADP
fsr-3538	908	5	an	an	DET
fsr-3538	908	6	online	online	ADJ
fsr-3538	908	7	module	module	NOUN
fsr-3538	908	8	for	for	ADP
fsr-3538	908	9	increasing	increase	VERB
fsr-3538	908	10	financial	financial	ADJ
fsr-3538	908	11	literacy	literacy	NOUN
fsr-3538	908	12	.	.	PUNCT
fsr-3538	909	1	social	social	ADJ
fsr-3538	909	2	studies	study	NOUN
fsr-3538	909	3	research	research	NOUN
fsr-3538	909	4	and	and	CCONJ
fsr-3538	909	5	practice	practice	NOUN
fsr-3538	909	6	,	,	PUNCT
fsr-3538	909	7	12	12	NUM
fsr-3538	909	8	,	,	PUNCT
fsr-3538	909	9	154–167	154–167	NUM
fsr-3538	909	10	.	.	PUNCT
fsr-3538	910	1	https://doi.org/10.1108/ssrp-04-2017-0014	https://doi.org/10.1108/ssrp-04-2017-0014	PROPN
fsr-3538	910	2	196	196	NUM
fsr-3538	910	3	g.	g.	NOUN
fsr-3538	910	4	filbeck	filbeck	NOUN
fsr-3538	910	5	and	and	CCONJ
fsr-3538	910	6	x.	x.	NOUN
fsr-3538	910	7	zhao	zhao	PROPN
fsr-3538	910	8	/	/	SYM
fsr-3538	910	9	financial	financial	ADJ
fsr-3538	910	10	services	service	NOUN
fsr-3538	910	11	review	review	VERB
fsr-3538	910	12	31	31	NUM
fsr-3538	910	13	(	(	PUNCT
fsr-3538	910	14	2023	2023	NUM
fsr-3538	910	15	)	)	PUNCT
fsr-3538	910	16	169–196	169–196	NUM