id	sid	tid	token	lemma	pos
fsr-3540	1	1	finser_31	finser_31	PROPN
fsr-3540	1	2	-	-	PUNCT
fsr-3540	1	3	2_complete_issue	2_complete_issue	PROPN
fsr-3540	1	4	refinance	refinance	NOUN
fsr-3540	1	5	,	,	PUNCT
fsr-3540	1	6	pay	pay	VERB
fsr-3540	1	7	additional	additional	ADJ
fsr-3540	1	8	principal	principal	NOUN
fsr-3540	1	9	,	,	PUNCT
fsr-3540	1	10	or	or	CCONJ
fsr-3540	1	11	recast	recast	VERB
fsr-3540	1	12	?	?	PUNCT
fsr-3540	2	1	a	a	DET
fsr-3540	2	2	home	home	NOUN
fsr-3540	2	3	borrower	borrower	NOUN
fsr-3540	2	4	’s	’s	PART
fsr-3540	2	5	dilemma	dilemma	NOUN
fsr-3540	2	6	christine	christine	PROPN
fsr-3540	2	7	mcclatcheya	mcclatcheya	PROPN
fsr-3540	2	8	,	,	PUNCT
fsr-3540	2	9	*	*	PUNCT
fsr-3540	2	10	amonfort	amonfort	PROPN
fsr-3540	2	11	college	college	NOUN
fsr-3540	2	12	of	of	ADP
fsr-3540	2	13	business	business	NOUN
fsr-3540	2	14	,	,	PUNCT
fsr-3540	2	15	university	university	NOUN
fsr-3540	2	16	of	of	ADP
fsr-3540	2	17	northern	northern	ADJ
fsr-3540	2	18	colorado	colorado	PROPN
fsr-3540	2	19	,	,	PUNCT
fsr-3540	2	20	campus	campus	NOUN
fsr-3540	2	21	box	box	PROPN
fsr-3540	2	22	128	128	NUM
fsr-3540	2	23	,	,	PUNCT
fsr-3540	2	24	greeley	greeley	NOUN
fsr-3540	2	25	,	,	PUNCT
fsr-3540	2	26	co	co	NOUN
fsr-3540	2	27	80639	80639	NUM
fsr-3540	2	28	,	,	PUNCT
fsr-3540	2	29	usa	usa	PROPN
fsr-3540	2	30	abstract	abstract	ADJ
fsr-3540	2	31	home	home	NOUN
fsr-3540	2	32	borrowers	borrower	NOUN
fsr-3540	2	33	encounter	encounter	VERB
fsr-3540	2	34	important	important	ADJ
fsr-3540	2	35	financial	financial	ADJ
fsr-3540	2	36	decisions	decision	NOUN
fsr-3540	2	37	well	well	ADV
fsr-3540	2	38	beyond	beyond	ADP
fsr-3540	2	39	their	their	PRON
fsr-3540	2	40	mortgage	mortgage	NOUN
fsr-3540	2	41	’s	’s	PART
fsr-3540	2	42	origination	origination	NOUN
fsr-3540	2	43	date	date	NOUN
fsr-3540	2	44	.	.	PUNCT
fsr-3540	3	1	two	two	NUM
fsr-3540	3	2	common	common	ADJ
fsr-3540	3	3	examples	example	NOUN
fsr-3540	3	4	are	be	AUX
fsr-3540	3	5	refinancing	refinance	VERB
fsr-3540	3	6	or	or	CCONJ
fsr-3540	3	7	paying	pay	VERB
fsr-3540	3	8	additional	additional	ADJ
fsr-3540	3	9	principal	principal	NOUN
fsr-3540	3	10	.	.	PUNCT
fsr-3540	4	1	a	a	DET
fsr-3540	4	2	third	third	ADJ
fsr-3540	4	3	option	option	NOUN
fsr-3540	4	4	,	,	PUNCT
fsr-3540	4	5	the	the	DET
fsr-3540	4	6	decision	decision	NOUN
fsr-3540	4	7	to	to	PART
fsr-3540	4	8	recast	recast	VERB
fsr-3540	4	9	,	,	PUNCT
fsr-3540	4	10	has	have	AUX
fsr-3540	4	11	received	receive	VERB
fsr-3540	4	12	far	far	ADV
fsr-3540	4	13	less	less	ADJ
fsr-3540	4	14	attention	attention	NOUN
fsr-3540	4	15	.	.	PUNCT
fsr-3540	5	1	we	we	PRON
fsr-3540	5	2	review	review	VERB
fsr-3540	5	3	the	the	DET
fsr-3540	5	4	mechanics	mechanic	NOUN
fsr-3540	5	5	and	and	CCONJ
fsr-3540	5	6	availability	availability	NOUN
fsr-3540	5	7	of	of	ADP
fsr-3540	5	8	recasting	recast	VERB
fsr-3540	5	9	to	to	PART
fsr-3540	5	10	discover	discover	VERB
fsr-3540	5	11	why	why	SCONJ
fsr-3540	5	12	this	this	DET
fsr-3540	5	13	omission	omission	NOUN
fsr-3540	5	14	exists	exist	VERB
fsr-3540	5	15	.	.	PUNCT
fsr-3540	6	1	the	the	DET
fsr-3540	6	2	combination	combination	NOUN
fsr-3540	6	3	of	of	ADP
fsr-3540	6	4	(	(	PUNCT
fsr-3540	6	5	a	a	X
fsr-3540	6	6	)	)	PUNCT
fsr-3540	6	7	recent	recent	ADJ
fsr-3540	6	8	job	job	NOUN
fsr-3540	6	9	losses	loss	NOUN
fsr-3540	6	10	from	from	ADP
fsr-3540	6	11	covid	covid	PROPN
fsr-3540	6	12	,	,	PUNCT
fsr-3540	6	13	(	(	PUNCT
fsr-3540	6	14	b	b	X
fsr-3540	6	15	)	)	PUNCT
fsr-3540	6	16	expectations	expectation	NOUN
fsr-3540	6	17	of	of	ADP
fsr-3540	6	18	higher	high	ADJ
fsr-3540	6	19	interest	interest	NOUN
fsr-3540	6	20	rates	rate	NOUN
fsr-3540	6	21	,	,	PUNCT
fsr-3540	6	22	and	and	CCONJ
fsr-3540	6	23	(	(	PUNCT
fsr-3540	6	24	c	c	NOUN
fsr-3540	6	25	)	)	PUNCT
fsr-3540	6	26	rising	rise	VERB
fsr-3540	6	27	home	home	NOUN
fsr-3540	6	28	prices	price	NOUN
fsr-3540	6	29	suggest	suggest	AUX
fsr-3540	6	30	recasting	recast	VERB
fsr-3540	6	31	may	may	AUX
fsr-3540	6	32	be	be	AUX
fsr-3540	6	33	beneficial	beneficial	ADJ
fsr-3540	6	34	for	for	ADP
fsr-3540	6	35	many	many	ADJ
fsr-3540	6	36	homeowners	homeowner	NOUN
fsr-3540	6	37	going	go	VERB
fsr-3540	6	38	forward	forward	ADV
fsr-3540	6	39	.	.	PUNCT
fsr-3540	7	1	our	our	PRON
fsr-3540	7	2	discussion	discussion	NOUN
fsr-3540	7	3	has	have	VERB
fsr-3540	7	4	implications	implication	NOUN
fsr-3540	7	5	for	for	ADP
fsr-3540	7	6	finance	finance	NOUN
fsr-3540	7	7	professionals	professional	NOUN
fsr-3540	7	8	,	,	PUNCT
fsr-3540	7	9	faculty	faculty	NOUN
fsr-3540	7	10	,	,	PUNCT
fsr-3540	7	11	and	and	CCONJ
fsr-3540	7	12	anyone	anyone	PRON
fsr-3540	7	13	with	with	ADP
fsr-3540	7	14	a	a	DET
fsr-3540	7	15	mortgage	mortgage	NOUN
fsr-3540	7	16	as	as	SCONJ
fsr-3540	7	17	they	they	PRON
fsr-3540	7	18	should	should	AUX
fsr-3540	7	19	be	be	AUX
fsr-3540	7	20	aware	aware	ADJ
fsr-3540	7	21	of	of	ADP
fsr-3540	7	22	the	the	DET
fsr-3540	7	23	benefits	benefit	NOUN
fsr-3540	7	24	of	of	ADP
fsr-3540	7	25	this	this	DET
fsr-3540	7	26	timely	timely	ADJ
fsr-3540	7	27	option	option	NOUN
fsr-3540	7	28	.	.	PUNCT
fsr-3540	8	1	©	©	PROPN
fsr-3540	8	2	2023	2023	NUM
fsr-3540	8	3	academy	academy	NOUN
fsr-3540	8	4	of	of	ADP
fsr-3540	8	5	financial	financial	ADJ
fsr-3540	8	6	services	service	NOUN
fsr-3540	8	7	.	.	PUNCT
fsr-3540	9	1	all	all	DET
fsr-3540	9	2	rights	right	NOUN
fsr-3540	9	3	reserved	reserve	VERB
fsr-3540	9	4	.	.	PUNCT
fsr-3540	10	1	jel	jel	PROPN
fsr-3540	10	2	classifications	classification	NOUN
fsr-3540	10	3	:	:	PUNCT
fsr-3540	10	4	g21	g21	PROPN
fsr-3540	10	5	;	;	PUNCT
fsr-3540	10	6	d83	d83	PROPN
fsr-3540	10	7	keywords	keyword	NOUN
fsr-3540	10	8	:	:	PUNCT
fsr-3540	10	9	recast	recast	VERB
fsr-3540	10	10	;	;	PUNCT
fsr-3540	10	11	refinance	refinance	NOUN
fsr-3540	10	12	;	;	PUNCT
fsr-3540	10	13	mortgage	mortgage	NOUN
fsr-3540	10	14	;	;	PUNCT
fsr-3540	10	15	loan	loan	NOUN
fsr-3540	10	16	amortization	amortization	NOUN
fsr-3540	10	17	;	;	PUNCT
fsr-3540	10	18	principal	principal	ADJ
fsr-3540	10	19	reduction	reduction	NOUN
fsr-3540	10	20	1	1	NUM
fsr-3540	10	21	.	.	PUNCT
fsr-3540	11	1	introduction	introduction	NOUN
fsr-3540	11	2	forty	forty	NUM
fsr-3540	11	3	-	-	PUNCT
fsr-3540	11	4	four	four	NUM
fsr-3540	11	5	percent	percent	NOUN
fsr-3540	11	6	of	of	ADP
fsr-3540	11	7	u.s	u.s	PROPN
fsr-3540	11	8	.	.	PROPN
fsr-3540	11	9	consumers	consumer	NOUN
fsr-3540	11	10	had	have	VERB
fsr-3540	11	11	a	a	DET
fsr-3540	11	12	mortgage	mortgage	NOUN
fsr-3540	11	13	in	in	ADP
fsr-3540	11	14	2020	2020	NUM
fsr-3540	11	15	.	.	PUNCT
fsr-3540	12	1	while	while	SCONJ
fsr-3540	12	2	this	this	DET
fsr-3540	12	3	population	population	NOUN
fsr-3540	12	4	did	do	AUX
fsr-3540	12	5	not	not	PART
fsr-3540	12	6	change	change	VERB
fsr-3540	12	7	significantly	significantly	ADV
fsr-3540	12	8	from	from	ADP
fsr-3540	12	9	the	the	DET
fsr-3540	12	10	prior	prior	ADJ
fsr-3540	12	11	year	year	NOUN
fsr-3540	12	12	,	,	PUNCT
fsr-3540	12	13	the	the	DET
fsr-3540	12	14	average	average	ADJ
fsr-3540	12	15	loan	loan	NOUN
fsr-3540	12	16	balance	balance	NOUN
fsr-3540	12	17	increased	increase	VERB
fsr-3540	12	18	after	after	ADP
fsr-3540	12	19	2019	2019	NUM
fsr-3540	12	20	which	which	PRON
fsr-3540	12	21	indicates	indicate	VERB
fsr-3540	12	22	individuals	individual	NOUN
fsr-3540	12	23	were	be	AUX
fsr-3540	12	24	borrowing	borrow	VERB
fsr-3540	12	25	more	more	ADJ
fsr-3540	12	26	than	than	ADP
fsr-3540	12	27	usual	usual	ADJ
fsr-3540	12	28	,	,	PUNCT
fsr-3540	12	29	likely	likely	ADJ
fsr-3540	12	30	due	due	ADJ
fsr-3540	12	31	to	to	ADP
fsr-3540	12	32	rising	rise	VERB
fsr-3540	12	33	home	home	NOUN
fsr-3540	12	34	prices	price	NOUN
fsr-3540	12	35	(	(	PUNCT
fsr-3540	12	36	stolba	stolba	PROPN
fsr-3540	12	37	,	,	PUNCT
fsr-3540	12	38	2021	2021	NUM
fsr-3540	12	39	)	)	PUNCT
fsr-3540	12	40	.	.	PUNCT
fsr-3540	13	1	decisions	decision	NOUN
fsr-3540	13	2	regarding	regard	VERB
fsr-3540	13	3	a	a	DET
fsr-3540	13	4	mortgage	mortgage	NOUN
fsr-3540	13	5	in	in	ADP
fsr-3540	13	6	no	no	DET
fsr-3540	13	7	way	way	NOUN
fsr-3540	13	8	end	end	NOUN
fsr-3540	13	9	after	after	ADP
fsr-3540	13	10	the	the	DET
fsr-3540	13	11	complicated	complicated	ADJ
fsr-3540	13	12	and	and	CCONJ
fsr-3540	13	13	time	time	NOUN
fsr-3540	13	14	-	-	PUNCT
fsr-3540	13	15	intensive	intensive	ADJ
fsr-3540	13	16	process	process	NOUN
fsr-3540	13	17	that	that	PRON
fsr-3540	13	18	takes	take	VERB
fsr-3540	13	19	place	place	NOUN
fsr-3540	13	20	before	before	ADP
fsr-3540	13	21	closing	close	VERB
fsr-3540	13	22	.	.	PUNCT
fsr-3540	14	1	in	in	ADP
fsr-3540	14	2	contrast	contrast	NOUN
fsr-3540	14	3	,	,	PUNCT
fsr-3540	14	4	astute	astute	ADJ
fsr-3540	14	5	borrowers	borrower	NOUN
fsr-3540	14	6	continuously	continuously	ADV
fsr-3540	14	7	reevaluate	reevaluate	VERB
fsr-3540	14	8	their	their	PRON
fsr-3540	14	9	circumstances	circumstance	NOUN
fsr-3540	14	10	,	,	PUNCT
fsr-3540	14	11	alongside	alongside	ADP
fsr-3540	14	12	market	market	NOUN
fsr-3540	14	13	conditions	condition	NOUN
fsr-3540	14	14	,	,	PUNCT
fsr-3540	14	15	to	to	PART
fsr-3540	14	16	identify	identify	VERB
fsr-3540	14	17	opportunities	opportunity	NOUN
fsr-3540	14	18	that	that	PRON
fsr-3540	14	19	may	may	AUX
fsr-3540	14	20	improve	improve	VERB
fsr-3540	14	21	their	their	PRON
fsr-3540	14	22	financial	financial	ADJ
fsr-3540	14	23	well	well	NOUN
fsr-3540	14	24	-	-	PUNCT
fsr-3540	14	25	being	being	NOUN
fsr-3540	14	26	.	.	PUNCT
fsr-3540	15	1	*	*	PUNCT
fsr-3540	15	2	corresponding	correspond	VERB
fsr-3540	15	3	author	author	NOUN
fsr-3540	15	4	.	.	PUNCT
fsr-3540	16	1	tel	tel	PROPN
fsr-3540	16	2	.	.	PUNCT
fsr-3540	16	3	:	:	PUNCT
fsr-3540	17	1	+1	+1	PROPN
fsr-3540	17	2	-	-	PUNCT
fsr-3540	17	3	970	970	NUM
fsr-3540	17	4	-	-	PUNCT
fsr-3540	17	5	302	302	NUM
fsr-3540	17	6	-	-	PUNCT
fsr-3540	17	7	9058	9058	NUM
fsr-3540	17	8	.	.	PUNCT
fsr-3540	18	1	e	e	X
fsr-3540	18	2	-	-	NOUN
fsr-3540	18	3	mail	mail	NOUN
fsr-3540	18	4	address	address	NOUN
fsr-3540	18	5	:	:	PUNCT
fsr-3540	18	6	christine.mcclatchey@unco.edu	christine.mcclatchey@unco.edu	X
fsr-3540	18	7	1057	1057	NUM
fsr-3540	18	8	-	-	SYM
fsr-3540	18	9	0810/23/$	0810/23/$	NUM
fsr-3540	18	10	–	–	PUNCT
fsr-3540	18	11	see	see	VERB
fsr-3540	18	12	front	front	ADJ
fsr-3540	18	13	matter	matter	NOUN
fsr-3540	18	14	©	©	PROPN
fsr-3540	18	15	2023	2023	NUM
fsr-3540	18	16	academy	academy	NOUN
fsr-3540	18	17	of	of	ADP
fsr-3540	18	18	financial	financial	ADJ
fsr-3540	18	19	services	service	NOUN
fsr-3540	18	20	.	.	PUNCT
fsr-3540	19	1	all	all	DET
fsr-3540	19	2	rights	right	NOUN
fsr-3540	19	3	reserved	reserve	VERB
fsr-3540	19	4	.	.	PUNCT
fsr-3540	20	1	financial	financial	ADJ
fsr-3540	20	2	services	service	NOUN
fsr-3540	20	3	review	review	VERB
fsr-3540	20	4	31	31	NUM
fsr-3540	20	5	(	(	PUNCT
fsr-3540	20	6	2023	2023	NUM
fsr-3540	20	7	)	)	PUNCT
fsr-3540	20	8	197–209	197–209	NUM
fsr-3540	20	9	a	a	DET
fsr-3540	20	10	refinance	refinance	NOUN
fsr-3540	20	11	(	(	PUNCT
fsr-3540	20	12	alt-1	alt-1	X
fsr-3540	20	13	)	)	PUNCT
fsr-3540	20	14	involves	involve	VERB
fsr-3540	20	15	taking	take	VERB
fsr-3540	20	16	out	out	ADP
fsr-3540	20	17	a	a	DET
fsr-3540	20	18	new	new	ADJ
fsr-3540	20	19	mortgage	mortgage	NOUN
fsr-3540	20	20	and	and	CCONJ
fsr-3540	20	21	using	use	VERB
fsr-3540	20	22	the	the	DET
fsr-3540	20	23	proceeds	proceed	NOUN
fsr-3540	20	24	to	to	PART
fsr-3540	20	25	repay	repay	VERB
fsr-3540	20	26	the	the	DET
fsr-3540	20	27	existing	exist	VERB
fsr-3540	20	28	one	one	NUM
fsr-3540	20	29	.	.	PUNCT
fsr-3540	21	1	the	the	DET
fsr-3540	21	2	new	new	ADJ
fsr-3540	21	3	mortgage	mortgage	NOUN
fsr-3540	21	4	will	will	AUX
fsr-3540	21	5	(	(	PUNCT
fsr-3540	21	6	a	a	X
fsr-3540	21	7	)	)	PUNCT
fsr-3540	21	8	have	have	VERB
fsr-3540	21	9	a	a	DET
fsr-3540	21	10	new	new	ADJ
fsr-3540	21	11	maturity	maturity	NOUN
fsr-3540	21	12	,	,	PUNCT
fsr-3540	21	13	interest	interest	NOUN
fsr-3540	21	14	rate	rate	NOUN
fsr-3540	21	15	,	,	PUNCT
fsr-3540	21	16	and	and	CCONJ
fsr-3540	21	17	loan	loan	NOUN
fsr-3540	21	18	conditions	condition	NOUN
fsr-3540	21	19	;	;	PUNCT
fsr-3540	21	20	(	(	PUNCT
fsr-3540	21	21	b	b	X
fsr-3540	21	22	)	)	PUNCT
fsr-3540	21	23	be	be	AUX
fsr-3540	21	24	subject	subject	ADJ
fsr-3540	21	25	to	to	ADP
fsr-3540	21	26	underwriting	underwriting	NOUN
fsr-3540	21	27	approval	approval	NOUN
fsr-3540	21	28	;	;	PUNCT
fsr-3540	21	29	and	and	CCONJ
fsr-3540	21	30	(	(	PUNCT
fsr-3540	21	31	c	c	X
fsr-3540	21	32	)	)	PUNCT
fsr-3540	21	33	trigger	trigger	NOUN
fsr-3540	21	34	significant	significant	ADJ
fsr-3540	21	35	upfront	upfront	ADJ
fsr-3540	21	36	closing	closing	NOUN
fsr-3540	21	37	costs	cost	NOUN
fsr-3540	21	38	.	.	PUNCT
fsr-3540	22	1	refinancing	refinancing	NOUN
fsr-3540	22	2	is	be	AUX
fsr-3540	22	3	usually	usually	ADV
fsr-3540	22	4	exercised	exercise	VERB
fsr-3540	22	5	in	in	ADP
fsr-3540	22	6	a	a	DET
fsr-3540	22	7	falling	fall	VERB
fsr-3540	22	8	interest	interest	NOUN
fsr-3540	22	9	rate	rate	NOUN
fsr-3540	22	10	environment	environment	NOUN
fsr-3540	22	11	.	.	PUNCT
fsr-3540	23	1	with	with	ADP
fsr-3540	23	2	a	a	DET
fsr-3540	23	3	lower	low	ADJ
fsr-3540	23	4	rate	rate	NOUN
fsr-3540	23	5	,	,	PUNCT
fsr-3540	23	6	the	the	DET
fsr-3540	23	7	borrower	borrower	NOUN
fsr-3540	23	8	’s	’s	PART
fsr-3540	23	9	monthly	monthly	ADJ
fsr-3540	23	10	payments	payment	NOUN
fsr-3540	23	11	decline	decline	VERB
fsr-3540	23	12	and	and	CCONJ
fsr-3540	23	13	if	if	SCONJ
fsr-3540	23	14	the	the	DET
fsr-3540	23	15	monthly	monthly	ADJ
fsr-3540	23	16	savings	saving	NOUN
fsr-3540	23	17	exceed	exceed	VERB
fsr-3540	23	18	the	the	DET
fsr-3540	23	19	new	new	ADJ
fsr-3540	23	20	mortgage	mortgage	NOUN
fsr-3540	23	21	’s	’s	PART
fsr-3540	23	22	up	up	ADJ
fsr-3540	23	23	-	-	PUNCT
fsr-3540	23	24	front	front	NOUN
fsr-3540	23	25	closing	closing	NOUN
fsr-3540	23	26	costs	cost	NOUN
fsr-3540	23	27	in	in	ADP
fsr-3540	23	28	a	a	DET
fsr-3540	23	29	timely	timely	ADJ
fsr-3540	23	30	manner	manner	NOUN
fsr-3540	23	31	,	,	PUNCT
fsr-3540	23	32	the	the	DET
fsr-3540	23	33	borrower	borrower	NOUN
fsr-3540	23	34	ultimately	ultimately	ADV
fsr-3540	23	35	benefits	benefit	VERB
fsr-3540	23	36	.	.	PUNCT
fsr-3540	24	1	refinancing	refinance	VERB
fsr-3540	24	2	may	may	AUX
fsr-3540	24	3	also	also	ADV
fsr-3540	24	4	be	be	AUX
fsr-3540	24	5	used	use	VERB
fsr-3540	24	6	by	by	ADP
fsr-3540	24	7	borrowers	borrower	NOUN
fsr-3540	24	8	wanting	want	VERB
fsr-3540	24	9	to	to	PART
fsr-3540	24	10	extract	extract	VERB
fsr-3540	24	11	home	home	NOUN
fsr-3540	24	12	equity	equity	NOUN
fsr-3540	24	13	that	that	PRON
fsr-3540	24	14	exists	exist	VERB
fsr-3540	24	15	because	because	SCONJ
fsr-3540	24	16	they	they	PRON
fsr-3540	24	17	have	have	AUX
fsr-3540	24	18	paid	pay	VERB
fsr-3540	24	19	down	down	ADP
fsr-3540	24	20	the	the	DET
fsr-3540	24	21	original	original	ADJ
fsr-3540	24	22	loan	loan	NOUN
fsr-3540	24	23	’s	’s	PART
fsr-3540	24	24	principal	principal	NOUN
fsr-3540	24	25	and/or	and/or	CCONJ
fsr-3540	24	26	because	because	SCONJ
fsr-3540	24	27	the	the	DET
fsr-3540	24	28	home	home	NOUN
fsr-3540	24	29	price	price	NOUN
fsr-3540	24	30	has	have	AUX
fsr-3540	24	31	significantly	significantly	ADV
fsr-3540	24	32	increased	increase	VERB
fsr-3540	24	33	from	from	ADP
fsr-3540	24	34	the	the	DET
fsr-3540	24	35	time	time	NOUN
fsr-3540	24	36	of	of	ADP
fsr-3540	24	37	purchase	purchase	NOUN
fsr-3540	24	38	.	.	PUNCT
fsr-3540	25	1	refinancing	refinance	VERB
fsr-3540	25	2	might	might	AUX
fsr-3540	25	3	also	also	ADV
fsr-3540	25	4	be	be	AUX
fsr-3540	25	5	used	use	VERB
fsr-3540	25	6	to	to	PART
fsr-3540	25	7	reduce	reduce	VERB
fsr-3540	25	8	or	or	CCONJ
fsr-3540	25	9	extend	extend	VERB
fsr-3540	25	10	the	the	DET
fsr-3540	25	11	loan	loan	NOUN
fsr-3540	25	12	’s	’s	PART
fsr-3540	25	13	term	term	NOUN
fsr-3540	25	14	(	(	PUNCT
fsr-3540	25	15	brady	brady	PROPN
fsr-3540	25	16	,	,	PUNCT
fsr-3540	25	17	canner	canner	NOUN
fsr-3540	25	18	,	,	PUNCT
fsr-3540	25	19	&	&	CCONJ
fsr-3540	25	20	maki	maki	PROPN
fsr-3540	25	21	,	,	PUNCT
fsr-3540	25	22	2000	2000	NUM
fsr-3540	25	23	)	)	PUNCT
fsr-3540	25	24	.	.	PUNCT
fsr-3540	26	1	others	other	NOUN
fsr-3540	26	2	may	may	AUX
fsr-3540	26	3	refinance	refinance	VERB
fsr-3540	26	4	to	to	PART
fsr-3540	26	5	replace	replace	VERB
fsr-3540	26	6	an	an	DET
fsr-3540	26	7	adjustable	adjustable	ADJ
fsr-3540	26	8	-	-	PUNCT
fsr-3540	26	9	rate	rate	NOUN
fsr-3540	26	10	loan	loan	NOUN
fsr-3540	26	11	(	(	PUNCT
fsr-3540	26	12	arm	arm	NOUN
fsr-3540	26	13	)	)	PUNCT
fsr-3540	26	14	with	with	ADP
fsr-3540	26	15	a	a	DET
fsr-3540	26	16	fixed	fix	VERB
fsr-3540	26	17	-	-	PUNCT
fsr-3540	26	18	rate	rate	NOUN
fsr-3540	26	19	loan	loan	NOUN
fsr-3540	26	20	to	to	PART
fsr-3540	26	21	eliminate	eliminate	VERB
fsr-3540	26	22	the	the	DET
fsr-3540	26	23	risk	risk	NOUN
fsr-3540	26	24	of	of	ADP
fsr-3540	26	25	rising	rise	VERB
fsr-3540	26	26	interest	interest	NOUN
fsr-3540	26	27	rates	rate	NOUN
fsr-3540	26	28	.	.	PUNCT
fsr-3540	27	1	one	one	NUM
fsr-3540	27	2	downside	downside	NOUN
fsr-3540	27	3	of	of	ADP
fsr-3540	27	4	refinancing	refinance	VERB
fsr-3540	27	5	is	be	AUX
fsr-3540	27	6	that	that	SCONJ
fsr-3540	27	7	the	the	DET
fsr-3540	27	8	borrower	borrower	NOUN
fsr-3540	27	9	’s	’s	PART
fsr-3540	27	10	current	current	ADJ
fsr-3540	27	11	credit	credit	NOUN
fsr-3540	27	12	history	history	NOUN
fsr-3540	27	13	,	,	PUNCT
fsr-3540	27	14	income	income	NOUN
fsr-3540	27	15	,	,	PUNCT
fsr-3540	27	16	debt	debt	NOUN
fsr-3540	27	17	,	,	PUNCT
fsr-3540	27	18	and	and	CCONJ
fsr-3540	27	19	assets	asset	NOUN
fsr-3540	27	20	will	will	AUX
fsr-3540	27	21	be	be	AUX
fsr-3540	27	22	reviewed	review	VERB
fsr-3540	27	23	as	as	ADP
fsr-3540	27	24	a	a	DET
fsr-3540	27	25	part	part	NOUN
fsr-3540	27	26	of	of	ADP
fsr-3540	27	27	the	the	DET
fsr-3540	27	28	transaction	transaction	NOUN
fsr-3540	27	29	.	.	PUNCT
fsr-3540	28	1	furthermore	furthermore	ADV
fsr-3540	28	2	,	,	PUNCT
fsr-3540	28	3	refinancing	refinance	VERB
fsr-3540	28	4	may	may	AUX
fsr-3540	28	5	not	not	PART
fsr-3540	28	6	be	be	AUX
fsr-3540	28	7	an	an	DET
fsr-3540	28	8	option	option	NOUN
fsr-3540	28	9	if	if	SCONJ
fsr-3540	28	10	rates	rate	NOUN
fsr-3540	28	11	have	have	AUX
fsr-3540	28	12	increased	increase	VERB
fsr-3540	28	13	or	or	CCONJ
fsr-3540	28	14	,	,	PUNCT
fsr-3540	28	15	in	in	ADP
fsr-3540	28	16	the	the	DET
fsr-3540	28	17	case	case	NOUN
fsr-3540	28	18	of	of	ADP
fsr-3540	28	19	flat	flat	ADJ
fsr-3540	28	20	or	or	CCONJ
fsr-3540	28	21	even	even	ADV
fsr-3540	28	22	slightly	slightly	ADV
fsr-3540	28	23	declining	decline	VERB
fsr-3540	28	24	rates	rate	NOUN
fsr-3540	28	25	,	,	PUNCT
fsr-3540	28	26	the	the	DET
fsr-3540	28	27	new	new	ADJ
fsr-3540	28	28	mortgage	mortgage	NOUN
fsr-3540	28	29	’s	’s	PART
fsr-3540	28	30	up	up	ADJ
fsr-3540	28	31	-	-	PUNCT
fsr-3540	28	32	front	front	NOUN
fsr-3540	28	33	closing	closing	NOUN
fsr-3540	28	34	costs	cost	NOUN
fsr-3540	28	35	can	can	AUX
fsr-3540	28	36	not	not	PART
fsr-3540	28	37	be	be	AUX
fsr-3540	28	38	recouped	recoup	VERB
fsr-3540	28	39	in	in	ADP
fsr-3540	28	40	a	a	DET
fsr-3540	28	41	reasonable	reasonable	ADJ
fsr-3540	28	42	time	time	NOUN
fsr-3540	28	43	frame	frame	NOUN
fsr-3540	28	44	.	.	PUNCT
fsr-3540	29	1	most	most	ADJ
fsr-3540	29	2	mortgages	mortgage	NOUN
fsr-3540	29	3	offer	offer	VERB
fsr-3540	29	4	borrowers	borrower	NOUN
fsr-3540	29	5	(	(	PUNCT
fsr-3540	29	6	without	without	ADP
fsr-3540	29	7	penalty	penalty	NOUN
fsr-3540	29	8	)	)	PUNCT
fsr-3540	29	9	the	the	DET
fsr-3540	29	10	opportunity	opportunity	NOUN
fsr-3540	29	11	to	to	PART
fsr-3540	29	12	pay	pay	VERB
fsr-3540	29	13	extra	extra	ADJ
fsr-3540	29	14	principal	principal	NOUN
fsr-3540	29	15	(	(	PUNCT
fsr-3540	29	16	alt-2	alt-2	NUM
fsr-3540	29	17	)	)	PUNCT
fsr-3540	29	18	.	.	PUNCT
fsr-3540	30	1	this	this	DET
fsr-3540	30	2	option	option	NOUN
fsr-3540	30	3	is	be	AUX
fsr-3540	30	4	typically	typically	ADV
fsr-3540	30	5	used	use	VERB
fsr-3540	30	6	by	by	ADP
fsr-3540	30	7	a	a	DET
fsr-3540	30	8	borrower	borrower	NOUN
fsr-3540	30	9	who	who	PRON
fsr-3540	30	10	has	have	VERB
fsr-3540	30	11	extra	extra	ADJ
fsr-3540	30	12	monthly	monthly	ADJ
fsr-3540	30	13	income	income	NOUN
fsr-3540	30	14	or	or	CCONJ
fsr-3540	30	15	has	have	AUX
fsr-3540	30	16	received	receive	VERB
fsr-3540	30	17	a	a	DET
fsr-3540	30	18	one	one	NUM
fsr-3540	30	19	-	-	PUNCT
fsr-3540	30	20	time	time	NOUN
fsr-3540	30	21	cash	cash	NOUN
fsr-3540	30	22	inflow	inflow	NOUN
fsr-3540	30	23	(	(	PUNCT
fsr-3540	30	24	e.g.	e.g.	ADJ
fsr-3540	30	25	,	,	PUNCT
fsr-3540	30	26	inheritance	inheritance	NOUN
fsr-3540	30	27	,	,	PUNCT
fsr-3540	30	28	bonus	bonus	NOUN
fsr-3540	30	29	,	,	PUNCT
fsr-3540	30	30	or	or	CCONJ
fsr-3540	30	31	tax	tax	NOUN
fsr-3540	30	32	refund	refund	NOUN
fsr-3540	30	33	)	)	PUNCT
fsr-3540	30	34	.	.	PUNCT
fsr-3540	31	1	the	the	DET
fsr-3540	31	2	benefit	benefit	NOUN
fsr-3540	31	3	of	of	ADP
fsr-3540	31	4	paying	pay	VERB
fsr-3540	31	5	extra	extra	ADJ
fsr-3540	31	6	principal	principal	NOUN
fsr-3540	31	7	is	be	AUX
fsr-3540	31	8	that	that	SCONJ
fsr-3540	31	9	the	the	DET
fsr-3540	31	10	mortgage	mortgage	NOUN
fsr-3540	31	11	will	will	AUX
fsr-3540	31	12	be	be	AUX
fsr-3540	31	13	repaid	repay	VERB
fsr-3540	31	14	before	before	ADP
fsr-3540	31	15	its	its	PRON
fsr-3540	31	16	original	original	ADJ
fsr-3540	31	17	maturity	maturity	NOUN
fsr-3540	31	18	(	(	PUNCT
fsr-3540	31	19	e.g.	e.g.	ADV
fsr-3540	31	20	,	,	PUNCT
fsr-3540	31	21	creating	create	VERB
fsr-3540	31	22	a	a	DET
fsr-3540	31	23	new	new	ADJ
fsr-3540	31	24	,	,	PUNCT
fsr-3540	31	25	shorter	short	ADJ
fsr-3540	31	26	“	"	PUNCT
fsr-3540	31	27	effective	effective	ADJ
fsr-3540	31	28	maturity	maturity	NOUN
fsr-3540	31	29	”	"	PUNCT
fsr-3540	31	30	)	)	PUNCT
fsr-3540	31	31	.	.	PUNCT
fsr-3540	32	1	compared	compare	VERB
fsr-3540	32	2	to	to	ADP
fsr-3540	32	3	a	a	DET
fsr-3540	32	4	refinance	refinance	NOUN
fsr-3540	32	5	,	,	PUNCT
fsr-3540	32	6	the	the	DET
fsr-3540	32	7	advantage	advantage	NOUN
fsr-3540	32	8	of	of	ADP
fsr-3540	32	9	paying	pay	VERB
fsr-3540	32	10	extra	extra	ADJ
fsr-3540	32	11	principal	principal	NOUN
fsr-3540	32	12	is	be	AUX
fsr-3540	32	13	that	that	SCONJ
fsr-3540	32	14	there	there	PRON
fsr-3540	32	15	is	be	VERB
fsr-3540	32	16	no	no	DET
fsr-3540	32	17	new	new	ADJ
fsr-3540	32	18	credit	credit	NOUN
fsr-3540	32	19	check	check	NOUN
fsr-3540	32	20	,	,	PUNCT
fsr-3540	32	21	income	income	NOUN
fsr-3540	32	22	/	/	SYM
fsr-3540	32	23	asset	asset	NOUN
fsr-3540	32	24	/	/	SYM
fsr-3540	32	25	debt	debt	NOUN
fsr-3540	32	26	verification	verification	NOUN
fsr-3540	32	27	,	,	PUNCT
fsr-3540	32	28	or	or	CCONJ
fsr-3540	32	29	additional	additional	ADJ
fsr-3540	32	30	fees	fee	NOUN
fsr-3540	32	31	.	.	PUNCT
fsr-3540	33	1	a	a	DET
fsr-3540	33	2	potential	potential	ADJ
fsr-3540	33	3	drawback	drawback	NOUN
fsr-3540	33	4	is	be	AUX
fsr-3540	33	5	that	that	SCONJ
fsr-3540	33	6	the	the	DET
fsr-3540	33	7	mortgage	mortgage	NOUN
fsr-3540	33	8	’s	’s	PART
fsr-3540	33	9	interest	interest	NOUN
fsr-3540	33	10	rate	rate	NOUN
fsr-3540	33	11	and	and	CCONJ
fsr-3540	33	12	minimum	minimum	NOUN
fsr-3540	33	13	payment	payment	NOUN
fsr-3540	33	14	remain	remain	VERB
fsr-3540	33	15	unchanged	unchanged	ADJ
fsr-3540	33	16	.	.	PUNCT
fsr-3540	34	1	one	one	PRON
fsr-3540	34	2	can	can	AUX
fsr-3540	34	3	imagine	imagine	VERB
fsr-3540	34	4	a	a	DET
fsr-3540	34	5	situation	situation	NOUN
fsr-3540	34	6	whereby	whereby	SCONJ
fsr-3540	34	7	a	a	DET
fsr-3540	34	8	one	one	NUM
fsr-3540	34	9	-	-	PUNCT
fsr-3540	34	10	time	time	NOUN
fsr-3540	34	11	windfall	windfall	NOUN
fsr-3540	34	12	is	be	AUX
fsr-3540	34	13	used	use	VERB
fsr-3540	34	14	to	to	PART
fsr-3540	34	15	pay	pay	VERB
fsr-3540	34	16	additional	additional	ADJ
fsr-3540	34	17	principle	principle	NOUN
fsr-3540	34	18	,	,	PUNCT
fsr-3540	34	19	only	only	ADV
fsr-3540	34	20	to	to	PART
fsr-3540	34	21	be	be	AUX
fsr-3540	34	22	followed	follow	VERB
fsr-3540	34	23	by	by	ADP
fsr-3540	34	24	a	a	DET
fsr-3540	34	25	change	change	NOUN
fsr-3540	34	26	in	in	ADP
fsr-3540	34	27	circumstances	circumstance	NOUN
fsr-3540	34	28	that	that	PRON
fsr-3540	34	29	halts	halt	VERB
fsr-3540	34	30	or	or	CCONJ
fsr-3540	34	31	reduces	reduce	VERB
fsr-3540	34	32	future	future	ADJ
fsr-3540	34	33	monthly	monthly	ADJ
fsr-3540	34	34	income	income	NOUN
fsr-3540	34	35	.	.	PUNCT
fsr-3540	35	1	in	in	ADP
fsr-3540	35	2	this	this	DET
fsr-3540	35	3	situation	situation	NOUN
fsr-3540	35	4	,	,	PUNCT
fsr-3540	35	5	no	no	DET
fsr-3540	35	6	relief	relief	NOUN
fsr-3540	35	7	is	be	AUX
fsr-3540	35	8	in	in	ADP
fsr-3540	35	9	sight	sight	NOUN
fsr-3540	35	10	as	as	SCONJ
fsr-3540	35	11	the	the	DET
fsr-3540	35	12	original	original	ADJ
fsr-3540	35	13	higher	high	ADJ
fsr-3540	35	14	monthly	monthly	ADJ
fsr-3540	35	15	payment	payment	NOUN
fsr-3540	35	16	is	be	AUX
fsr-3540	35	17	still	still	ADV
fsr-3540	35	18	due	due	ADJ
fsr-3540	35	19	.	.	PUNCT
fsr-3540	36	1	a	a	DET
fsr-3540	36	2	recast	recast	NOUN
fsr-3540	36	3	(	(	PUNCT
fsr-3540	36	4	alt-3	alt-3	NOUN
fsr-3540	36	5	)	)	PUNCT
fsr-3540	36	6	is	be	AUX
fsr-3540	36	7	viable	viable	ADJ
fsr-3540	36	8	only	only	ADV
fsr-3540	36	9	for	for	ADP
fsr-3540	36	10	borrowers	borrower	NOUN
fsr-3540	36	11	who	who	PRON
fsr-3540	36	12	have	have	AUX
fsr-3540	36	13	already	already	ADV
fsr-3540	36	14	paid	pay	VERB
fsr-3540	36	15	additional	additional	ADJ
fsr-3540	36	16	principal	principal	NOUN
fsr-3540	36	17	or	or	CCONJ
fsr-3540	36	18	currently	currently	ADV
fsr-3540	36	19	have	have	VERB
fsr-3540	36	20	a	a	DET
fsr-3540	36	21	lump	lump	NOUN
fsr-3540	36	22	sum	sum	NOUN
fsr-3540	36	23	available	available	ADJ
fsr-3540	36	24	to	to	PART
fsr-3540	36	25	apply	apply	VERB
fsr-3540	36	26	to	to	ADP
fsr-3540	36	27	the	the	DET
fsr-3540	36	28	original	original	ADJ
fsr-3540	36	29	loan	loan	NOUN
fsr-3540	36	30	’s	’s	PART
fsr-3540	36	31	principal	principal	NOUN
fsr-3540	36	32	.	.	PUNCT
fsr-3540	37	1	alt-3	alt-3	NOUN
fsr-3540	37	2	calculates	calculate	VERB
fsr-3540	37	3	a	a	DET
fsr-3540	37	4	new	new	ADJ
fsr-3540	37	5	monthly	monthly	ADJ
fsr-3540	37	6	payment	payment	NOUN
fsr-3540	37	7	based	base	VERB
fsr-3540	37	8	on	on	ADP
fsr-3540	37	9	the	the	DET
fsr-3540	37	10	reduced	reduce	VERB
fsr-3540	37	11	principal	principal	ADJ
fsr-3540	37	12	amount	amount	NOUN
fsr-3540	37	13	using	use	VERB
fsr-3540	37	14	the	the	DET
fsr-3540	37	15	original	original	ADJ
fsr-3540	37	16	interest	interest	NOUN
fsr-3540	37	17	rate	rate	NOUN
fsr-3540	37	18	and	and	CCONJ
fsr-3540	37	19	remaining	remaining	ADJ
fsr-3540	37	20	loan	loan	NOUN
fsr-3540	37	21	term	term	NOUN
fsr-3540	37	22	.	.	PUNCT
fsr-3540	38	1	the	the	DET
fsr-3540	38	2	mortgage	mortgage	NOUN
fsr-3540	38	3	is	be	AUX
fsr-3540	38	4	essentially	essentially	ADV
fsr-3540	38	5	reamortized	reamortize	VERB
fsr-3540	38	6	.	.	PUNCT
fsr-3540	39	1	the	the	DET
fsr-3540	39	2	immediate	immediate	ADJ
fsr-3540	39	3	benefit	benefit	NOUN
fsr-3540	39	4	of	of	ADP
fsr-3540	39	5	a	a	DET
fsr-3540	39	6	recast	recast	NOUN
fsr-3540	39	7	is	be	AUX
fsr-3540	39	8	that	that	SCONJ
fsr-3540	39	9	the	the	DET
fsr-3540	39	10	borrower	borrower	NOUN
fsr-3540	39	11	’s	’s	PART
fsr-3540	39	12	monthly	monthly	ADJ
fsr-3540	39	13	payment	payment	NOUN
fsr-3540	39	14	declines	decline	NOUN
fsr-3540	39	15	,	,	PUNCT
fsr-3540	39	16	although	although	SCONJ
fsr-3540	39	17	the	the	DET
fsr-3540	39	18	mortgage	mortgage	NOUN
fsr-3540	39	19	will	will	AUX
fsr-3540	39	20	not	not	PART
fsr-3540	39	21	be	be	AUX
fsr-3540	39	22	paid	pay	VERB
fsr-3540	39	23	off	off	ADP
fsr-3540	39	24	before	before	ADP
fsr-3540	39	25	its	its	PRON
fsr-3540	39	26	original	original	ADJ
fsr-3540	39	27	maturity	maturity	NOUN
fsr-3540	39	28	.	.	PUNCT
fsr-3540	40	1	importantly	importantly	ADV
fsr-3540	40	2	,	,	PUNCT
fsr-3540	40	3	the	the	DET
fsr-3540	40	4	fee	fee	NOUN
fsr-3540	40	5	to	to	PART
fsr-3540	40	6	recast	recast	NOUN
fsr-3540	40	7	is	be	AUX
fsr-3540	40	8	significantly	significantly	ADV
fsr-3540	40	9	lower	low	ADJ
fsr-3540	40	10	(	(	PUNCT
fsr-3540	40	11	almost	almost	ADV
fsr-3540	40	12	negligible	negligible	ADJ
fsr-3540	40	13	)	)	PUNCT
fsr-3540	40	14	compared	compare	VERB
fsr-3540	40	15	to	to	ADP
fsr-3540	40	16	the	the	DET
fsr-3540	40	17	closing	closing	NOUN
fsr-3540	40	18	costs	cost	NOUN
fsr-3540	40	19	triggered	trigger	VERB
fsr-3540	40	20	when	when	SCONJ
fsr-3540	40	21	originating	originate	VERB
fsr-3540	40	22	a	a	DET
fsr-3540	40	23	new	new	ADJ
fsr-3540	40	24	mortgage	mortgage	NOUN
fsr-3540	40	25	.	.	PUNCT
fsr-3540	41	1	table	table	NOUN
fsr-3540	41	2	1	1	NUM
fsr-3540	41	3	summarizes	summarize	NOUN
fsr-3540	41	4	the	the	DET
fsr-3540	41	5	important	important	ADJ
fsr-3540	41	6	differences	difference	NOUN
fsr-3540	41	7	between	between	ADP
fsr-3540	41	8	these	these	DET
fsr-3540	41	9	three	three	NUM
fsr-3540	41	10	options	option	NOUN
fsr-3540	41	11	.	.	PUNCT
fsr-3540	42	1	2	2	X
fsr-3540	42	2	.	.	X
fsr-3540	42	3	literature	literature	NOUN
fsr-3540	42	4	review	review	VERB
fsr-3540	42	5	the	the	DET
fsr-3540	42	6	decision	decision	NOUN
fsr-3540	42	7	to	to	PART
fsr-3540	42	8	refinance	refinance	NOUN
fsr-3540	42	9	is	be	AUX
fsr-3540	42	10	the	the	DET
fsr-3540	42	11	only	only	ADJ
fsr-3540	42	12	option	option	NOUN
fsr-3540	42	13	that	that	PRON
fsr-3540	42	14	does	do	AUX
fsr-3540	42	15	not	not	PART
fsr-3540	42	16	require	require	VERB
fsr-3540	42	17	a	a	DET
fsr-3540	42	18	prior	prior	ADJ
fsr-3540	42	19	or	or	CCONJ
fsr-3540	42	20	current	current	ADJ
fsr-3540	42	21	principal	principal	ADJ
fsr-3540	42	22	reduction	reduction	NOUN
fsr-3540	42	23	.	.	PUNCT
fsr-3540	43	1	when	when	SCONJ
fsr-3540	43	2	interest	interest	NOUN
fsr-3540	43	3	rates	rate	NOUN
fsr-3540	43	4	fall	fall	VERB
fsr-3540	43	5	refinancing	refinancing	NOUN
fsr-3540	43	6	reduces	reduce	VERB
fsr-3540	43	7	a	a	DET
fsr-3540	43	8	borrower	borrower	NOUN
fsr-3540	43	9	’s	’s	PART
fsr-3540	43	10	required	require	VERB
fsr-3540	43	11	monthly	monthly	ADJ
fsr-3540	43	12	payment	payment	NOUN
fsr-3540	43	13	,	,	PUNCT
fsr-3540	43	14	assuming	assume	VERB
fsr-3540	43	15	the	the	DET
fsr-3540	43	16	borrower	borrower	NOUN
fsr-3540	43	17	does	do	AUX
fsr-3540	43	18	not	not	PART
fsr-3540	43	19	extract	extract	VERB
fsr-3540	43	20	home	home	NOUN
fsr-3540	43	21	equity	equity	NOUN
fsr-3540	43	22	or	or	CCONJ
fsr-3540	43	23	roll	roll	VERB
fsr-3540	43	24	closing	closing	NOUN
fsr-3540	43	25	costs	cost	NOUN
fsr-3540	43	26	into	into	ADP
fsr-3540	43	27	the	the	DET
fsr-3540	43	28	new	new	ADJ
fsr-3540	43	29	loan	loan	NOUN
fsr-3540	43	30	that	that	PRON
fsr-3540	43	31	increase	increase	VERB
fsr-3540	43	32	the	the	DET
fsr-3540	43	33	loan	loan	NOUN
fsr-3540	43	34	balance	balance	NOUN
fsr-3540	43	35	.	.	PUNCT
fsr-3540	44	1	figure	figure	NOUN
fsr-3540	44	2	1	1	NUM
fsr-3540	44	3	depicts	depict	VERB
fsr-3540	44	4	30	30	NUM
fsr-3540	44	5	-	-	PUNCT
fsr-3540	44	6	year	year	NOUN
fsr-3540	44	7	fixed	fix	VERB
fsr-3540	44	8	mortgage	mortgage	NOUN
fsr-3540	44	9	rates	rate	NOUN
fsr-3540	44	10	dating	date	VERB
fsr-3540	44	11	back	back	ADV
fsr-3540	44	12	to	to	ADP
fsr-3540	44	13	1971	1971	NUM
fsr-3540	44	14	.	.	PUNCT
fsr-3540	45	1	since	since	SCONJ
fsr-3540	45	2	their	their	PRON
fsr-3540	45	3	peak	peak	NOUN
fsr-3540	45	4	in	in	ADP
fsr-3540	45	5	1982	1982	NUM
fsr-3540	45	6	,	,	PUNCT
fsr-3540	45	7	mortgage	mortgage	NOUN
fsr-3540	45	8	rates	rate	NOUN
fsr-3540	45	9	have	have	AUX
fsr-3540	45	10	followed	follow	VERB
fsr-3540	45	11	a	a	DET
fsr-3540	45	12	downward	downward	ADJ
fsr-3540	45	13	trend	trend	NOUN
fsr-3540	45	14	which	which	PRON
fsr-3540	45	15	explains	explain	VERB
fsr-3540	45	16	why	why	SCONJ
fsr-3540	45	17	alt-1	alt-1	PUNCT
fsr-3540	45	18	received	receive	VERB
fsr-3540	45	19	so	so	ADV
fsr-3540	45	20	much	much	ADJ
fsr-3540	45	21	attention	attention	NOUN
fsr-3540	45	22	over	over	ADP
fsr-3540	45	23	the	the	DET
fsr-3540	45	24	past	past	ADJ
fsr-3540	45	25	three	three	NUM
fsr-3540	45	26	decades	decade	NOUN
fsr-3540	45	27	.	.	PUNCT
fsr-3540	46	1	198	198	NUM
fsr-3540	46	2	c.	c.	NOUN
fsr-3540	46	3	mcclatchey	mcclatchey	PROPN
fsr-3540	46	4	/	/	SYM
fsr-3540	46	5	financial	financial	ADJ
fsr-3540	46	6	services	service	NOUN
fsr-3540	46	7	review	review	VERB
fsr-3540	46	8	31	31	NUM
fsr-3540	46	9	(	(	PUNCT
fsr-3540	46	10	2023	2023	NUM
fsr-3540	46	11	)	)	PUNCT
fsr-3540	46	12	197–209	197–209	NUM
fsr-3540	46	13	early	early	ADJ
fsr-3540	46	14	discussions	discussion	NOUN
fsr-3540	46	15	on	on	ADP
fsr-3540	46	16	refinancing	refinance	VERB
fsr-3540	46	17	focused	focus	VERB
fsr-3540	46	18	on	on	ADP
fsr-3540	46	19	“	"	PUNCT
fsr-3540	46	20	back	back	NOUN
fsr-3540	46	21	-	-	PUNCT
fsr-3540	46	22	of	of	ADP
fsr-3540	46	23	-	-	PUNCT
fsr-3540	46	24	the	the	DET
fsr-3540	46	25	-	-	PUNCT
fsr-3540	46	26	envelope	envelope	NOUN
fsr-3540	46	27	”	"	PUNCT
fsr-3540	46	28	payback	payback	NOUN
fsr-3540	46	29	calculations	calculation	NOUN
fsr-3540	46	30	that	that	PRON
fsr-3540	46	31	simply	simply	ADV
fsr-3540	46	32	divide	divide	VERB
fsr-3540	46	33	the	the	DET
fsr-3540	46	34	up	up	ADJ
fsr-3540	46	35	-	-	PUNCT
fsr-3540	46	36	front	front	NOUN
fsr-3540	46	37	costs	cost	NOUN
fsr-3540	46	38	of	of	ADP
fsr-3540	46	39	the	the	DET
fsr-3540	46	40	new	new	ADJ
fsr-3540	46	41	mortgage	mortgage	NOUN
fsr-3540	46	42	by	by	ADP
fsr-3540	46	43	the	the	DET
fsr-3540	46	44	reduction	reduction	NOUN
fsr-3540	46	45	in	in	ADP
fsr-3540	46	46	monthly	monthly	ADJ
fsr-3540	46	47	payment	payment	NOUN
fsr-3540	46	48	.	.	PUNCT
fsr-3540	47	1	if	if	SCONJ
fsr-3540	47	2	the	the	DET
fsr-3540	47	3	homeowner	homeowner	NOUN
fsr-3540	47	4	expects	expect	VERB
fsr-3540	47	5	to	to	PART
fsr-3540	47	6	live	live	VERB
fsr-3540	47	7	in	in	ADP
fsr-3540	47	8	the	the	DET
fsr-3540	47	9	home	home	NOUN
fsr-3540	47	10	longer	long	ADV
fsr-3540	47	11	than	than	ADP
fsr-3540	47	12	the	the	DET
fsr-3540	47	13	calculated	calculated	ADJ
fsr-3540	47	14	breakeven	breakeven	ADJ
fsr-3540	47	15	period	period	NOUN
fsr-3540	47	16	,	,	PUNCT
fsr-3540	47	17	refinancing	refinance	VERB
fsr-3540	47	18	is	be	AUX
fsr-3540	47	19	optimal	optimal	ADJ
fsr-3540	47	20	.	.	PUNCT
fsr-3540	48	1	various	various	ADJ
fsr-3540	48	2	heuristics	heuristic	NOUN
fsr-3540	48	3	followed	follow	VERB
fsr-3540	48	4	.	.	PUNCT
fsr-3540	49	1	noyan	noyan	ADJ
fsr-3540	49	2	and	and	CCONJ
fsr-3540	49	3	eugene	eugene	PROPN
fsr-3540	49	4	(	(	PUNCT
fsr-3540	49	5	1993	1993	NUM
fsr-3540	49	6	)	)	PUNCT
fsr-3540	49	7	and	and	CCONJ
fsr-3540	49	8	bennett	bennett	PROPN
fsr-3540	49	9	,	,	PUNCT
fsr-3540	49	10	keane	keane	PROPN
fsr-3540	49	11	,	,	PUNCT
fsr-3540	49	12	and	and	CCONJ
fsr-3540	49	13	mosser	mosser	NOUN
fsr-3540	49	14	(	(	PUNCT
fsr-3540	49	15	1999	1999	NUM
fsr-3540	49	16	)	)	PUNCT
fsr-3540	49	17	concluded	conclude	VERB
fsr-3540	49	18	that	that	SCONJ
fsr-3540	49	19	if	if	SCONJ
fsr-3540	49	20	the	the	DET
fsr-3540	49	21	new	new	ADJ
fsr-3540	49	22	mortgage	mortgage	NOUN
fsr-3540	49	23	had	have	VERB
fsr-3540	49	24	an	an	DET
fsr-3540	49	25	interest	interest	NOUN
fsr-3540	49	26	rate	rate	NOUN
fsr-3540	49	27	1	1	NUM
fsr-3540	49	28	-	-	SYM
fsr-3540	49	29	2	2	NUM
fsr-3540	49	30	%	%	NOUN
fsr-3540	49	31	less	less	ADJ
fsr-3540	49	32	than	than	ADP
fsr-3540	49	33	the	the	DET
fsr-3540	49	34	original	original	ADJ
fsr-3540	49	35	interest	interest	NOUN
fsr-3540	49	36	rate	rate	NOUN
fsr-3540	49	37	,	,	PUNCT
fsr-3540	49	38	and	and	CCONJ
fsr-3540	49	39	the	the	DET
fsr-3540	49	40	borrower	borrower	NOUN
fsr-3540	49	41	planned	plan	VERB
fsr-3540	49	42	to	to	PART
fsr-3540	49	43	stay	stay	VERB
fsr-3540	49	44	in	in	ADP
fsr-3540	49	45	the	the	DET
fsr-3540	49	46	home	home	NOUN
fsr-3540	49	47	for	for	ADP
fsr-3540	49	48	a	a	DET
fsr-3540	49	49	specified	specify	VERB
fsr-3540	49	50	minimum	minimum	ADJ
fsr-3540	49	51	number	number	NOUN
fsr-3540	49	52	of	of	ADP
fsr-3540	49	53	years	year	NOUN
fsr-3540	49	54	,	,	PUNCT
fsr-3540	49	55	refinancing	refinance	VERB
fsr-3540	49	56	was	be	AUX
fsr-3540	49	57	optimal	optimal	ADJ
fsr-3540	49	58	.	.	PUNCT
fsr-3540	50	1	subsequent	subsequent	ADJ
fsr-3540	50	2	research	research	NOUN
fsr-3540	50	3	recognized	recognize	VERB
fsr-3540	50	4	the	the	DET
fsr-3540	50	5	importance	importance	NOUN
fsr-3540	50	6	of	of	ADP
fsr-3540	50	7	the	the	DET
fsr-3540	50	8	time	time	NOUN
fsr-3540	50	9	value	value	NOUN
fsr-3540	50	10	of	of	ADP
fsr-3540	50	11	money	money	NOUN
fsr-3540	50	12	and	and	CCONJ
fsr-3540	50	13	taxes	taxis	NOUN
fsr-3540	50	14	on	on	ADP
fsr-3540	50	15	the	the	DET
fsr-3540	50	16	breakeven	breakeven	ADJ
fsr-3540	50	17	calculation	calculation	NOUN
fsr-3540	50	18	.	.	PUNCT
fsr-3540	51	1	chen	chen	PROPN
fsr-3540	51	2	(	(	PUNCT
fsr-3540	51	3	1997	1997	NUM
fsr-3540	51	4	)	)	PUNCT
fsr-3540	51	5	adds	add	VERB
fsr-3540	51	6	time	time	NOUN
fsr-3540	51	7	value	value	NOUN
fsr-3540	51	8	of	of	ADP
fsr-3540	51	9	money	money	NOUN
fsr-3540	51	10	considerations	consideration	NOUN
fsr-3540	51	11	to	to	ADP
fsr-3540	51	12	the	the	DET
fsr-3540	51	13	simplified	simplified	ADJ
fsr-3540	51	14	payback	payback	NOUN
fsr-3540	51	15	calculation	calculation	NOUN
fsr-3540	51	16	but	but	CCONJ
fsr-3540	51	17	does	do	AUX
fsr-3540	51	18	not	not	PART
fsr-3540	51	19	include	include	VERB
fsr-3540	51	20	the	the	DET
fsr-3540	51	21	tax	tax	NOUN
fsr-3540	51	22	implications	implication	NOUN
fsr-3540	51	23	of	of	ADP
fsr-3540	51	24	a	a	DET
fsr-3540	51	25	change	change	NOUN
fsr-3540	51	26	in	in	ADP
fsr-3540	51	27	the	the	DET
fsr-3540	51	28	monthly	monthly	ADJ
fsr-3540	51	29	interest	interest	NOUN
fsr-3540	51	30	expense	expense	NOUN
fsr-3540	51	31	paid	pay	VERB
fsr-3540	51	32	and	and	CCONJ
fsr-3540	51	33	a	a	DET
fsr-3540	51	34	change	change	NOUN
fsr-3540	51	35	in	in	ADP
fsr-3540	51	36	the	the	DET
fsr-3540	51	37	amortization	amortization	NOUN
fsr-3540	51	38	of	of	ADP
fsr-3540	51	39	certain	certain	ADJ
fsr-3540	51	40	closing	closing	NOUN
fsr-3540	51	41	costs	cost	NOUN
fsr-3540	51	42	.	.	PUNCT
fsr-3540	52	1	rose	rise	VERB
fsr-3540	52	2	(	(	PUNCT
fsr-3540	52	3	1992	1992	NUM
fsr-3540	52	4	)	)	PUNCT
fsr-3540	52	5	incorporates	incorporate	VERB
fsr-3540	52	6	the	the	DET
fsr-3540	52	7	time	time	NOUN
fsr-3540	52	8	value	value	NOUN
fsr-3540	52	9	of	of	ADP
fsr-3540	52	10	money	money	NOUN
fsr-3540	52	11	using	use	VERB
fsr-3540	52	12	the	the	DET
fsr-3540	52	13	new	new	ADJ
fsr-3540	52	14	mortgage	mortgage	NOUN
fsr-3540	52	15	’s	’s	PART
fsr-3540	52	16	interest	interest	NOUN
fsr-3540	52	17	rate	rate	NOUN
fsr-3540	52	18	but	but	CCONJ
fsr-3540	52	19	importantly	importantly	ADV
fsr-3540	52	20	adds	add	VERB
fsr-3540	52	21	the	the	DET
fsr-3540	52	22	tax	tax	NOUN
fsr-3540	52	23	implications	implication	NOUN
fsr-3540	52	24	of	of	ADP
fsr-3540	52	25	a	a	DET
fsr-3540	52	26	change	change	NOUN
fsr-3540	52	27	in	in	ADP
fsr-3540	52	28	monthly	monthly	ADJ
fsr-3540	52	29	interest	interest	NOUN
fsr-3540	52	30	payments	payment	NOUN
fsr-3540	52	31	and	and	CCONJ
fsr-3540	52	32	closing	closing	NOUN
fsr-3540	52	33	costs	cost	NOUN
fsr-3540	52	34	,	,	PUNCT
fsr-3540	52	35	which	which	PRON
fsr-3540	52	36	at	at	ADP
fsr-3540	52	37	that	that	DET
fsr-3540	52	38	time	time	NOUN
fsr-3540	52	39	would	would	AUX
fsr-3540	52	40	be	be	AUX
fsr-3540	52	41	amortized	amortize	VERB
fsr-3540	52	42	for	for	ADP
fsr-3540	52	43	tax	tax	NOUN
fsr-3540	52	44	purposes	purpose	NOUN
fsr-3540	52	45	over	over	ADP
fsr-3540	52	46	the	the	DET
fsr-3540	52	47	new	new	ADJ
fsr-3540	52	48	loan	loan	NOUN
fsr-3540	52	49	’s	’s	PART
fsr-3540	52	50	life	life	NOUN
fsr-3540	52	51	.	.	PUNCT
fsr-3540	53	1	johnson	johnson	PROPN
fsr-3540	53	2	and	and	CCONJ
fsr-3540	53	3	randle	randle	PROPN
fsr-3540	53	4	(	(	PUNCT
fsr-3540	53	5	1996	1996	NUM
fsr-3540	53	6	,	,	PUNCT
fsr-3540	53	7	2003	2003	NUM
fsr-3540	53	8	)	)	PUNCT
fsr-3540	53	9	created	create	VERB
fsr-3540	53	10	an	an	DET
fsr-3540	53	11	excel	excel	NOUN
fsr-3540	53	12	model	model	NOUN
fsr-3540	53	13	that	that	PRON
fsr-3540	53	14	iteratively	iteratively	ADV
fsr-3540	53	15	solved	solve	VERB
fsr-3540	53	16	for	for	ADP
fsr-3540	53	17	the	the	DET
fsr-3540	53	18	breakeven	breakeven	ADJ
fsr-3540	53	19	period	period	NOUN
fsr-3540	53	20	,	,	PUNCT
fsr-3540	53	21	although	although	SCONJ
fsr-3540	53	22	they	they	PRON
fsr-3540	53	23	did	do	AUX
fsr-3540	53	24	not	not	PART
fsr-3540	53	25	account	account	VERB
fsr-3540	53	26	for	for	ADP
fsr-3540	53	27	the	the	DET
fsr-3540	53	28	ability	ability	NOUN
fsr-3540	53	29	to	to	PART
fsr-3540	53	30	deduct	deduct	VERB
fsr-3540	53	31	certain	certain	ADJ
fsr-3540	53	32	closing	closing	NOUN
fsr-3540	53	33	costs	cost	NOUN
fsr-3540	53	34	for	for	ADP
fsr-3540	53	35	tax	tax	NOUN
fsr-3540	53	36	purposes	purpose	NOUN
fsr-3540	53	37	.	.	PUNCT
fsr-3540	54	1	hoover	hoover	PROPN
fsr-3540	54	2	(	(	PUNCT
fsr-3540	54	3	2003	2003	NUM
fsr-3540	54	4	)	)	PUNCT
fsr-3540	54	5	provides	provide	VERB
fsr-3540	54	6	a	a	DET
fsr-3540	54	7	closed	closed	ADJ
fsr-3540	54	8	-	-	PUNCT
fsr-3540	54	9	form	form	NOUN
fsr-3540	54	10	model	model	NOUN
fsr-3540	54	11	that	that	PRON
fsr-3540	54	12	assumes	assume	VERB
fsr-3540	54	13	the	the	DET
fsr-3540	54	14	mortgage	mortgage	NOUN
fsr-3540	54	15	is	be	AUX
fsr-3540	54	16	an	an	DET
fsr-3540	54	17	interest	interest	NOUN
fsr-3540	54	18	-	-	PUNCT
fsr-3540	54	19	only	only	ADV
fsr-3540	54	20	loan	loan	NOUN
fsr-3540	54	21	and	and	CCONJ
fsr-3540	54	22	considers	consider	VERB
fsr-3540	54	23	amortized	amortize	VERB
fsr-3540	54	24	discount	discount	NOUN
fsr-3540	54	25	points	point	NOUN
fsr-3540	54	26	,	,	PUNCT
fsr-3540	54	27	a	a	DET
fsr-3540	54	28	change	change	NOUN
fsr-3540	54	29	to	to	ADP
fsr-3540	54	30	interest	interest	NOUN
fsr-3540	54	31	tax	tax	NOUN
fsr-3540	54	32	shields	shield	NOUN
fsr-3540	54	33	,	,	PUNCT
fsr-3540	54	34	and	and	CCONJ
fsr-3540	54	35	a	a	DET
fsr-3540	54	36	new	new	ADJ
fsr-3540	54	37	loan	loan	NOUN
fsr-3540	54	38	balance	balance	NOUN
fsr-3540	54	39	.	.	PUNCT
fsr-3540	55	1	fortin	fortin	PROPN
fsr-3540	55	2	,	,	PUNCT
fsr-3540	55	3	michelson	michelson	PROPN
fsr-3540	55	4	,	,	PUNCT
fsr-3540	55	5	smith	smith	PROPN
fsr-3540	55	6	,	,	PUNCT
fsr-3540	55	7	and	and	CCONJ
fsr-3540	55	8	weaver	weaver	NOUN
fsr-3540	55	9	(	(	PUNCT
fsr-3540	55	10	2007	2007	NUM
fsr-3540	55	11	)	)	PUNCT
fsr-3540	55	12	extend	extend	NOUN
fsr-3540	55	13	table	table	NOUN
fsr-3540	55	14	1	1	NUM
fsr-3540	55	15	refinancing	refinance	VERB
fsr-3540	55	16	,	,	PUNCT
fsr-3540	55	17	paying	pay	VERB
fsr-3540	55	18	additional	additional	ADJ
fsr-3540	55	19	principal	principal	NOUN
fsr-3540	55	20	,	,	PUNCT
fsr-3540	55	21	and	and	CCONJ
fsr-3540	55	22	recasting	recast	VERB
fsr-3540	55	23	features	feature	NOUN
fsr-3540	55	24	/	/	SYM
fsr-3540	55	25	considerations	consideration	NOUN
fsr-3540	55	26	refinance	refinance	NOUN
fsr-3540	55	27	pay	pay	VERB
fsr-3540	55	28	additional	additional	ADJ
fsr-3540	55	29	principal	principal	NOUN
fsr-3540	55	30	recast	recast	VERB
fsr-3540	55	31	new	new	ADJ
fsr-3540	55	32	mortgage	mortgage	NOUN
fsr-3540	55	33	required	require	VERB
fsr-3540	55	34	(	(	PUNCT
fsr-3540	55	35	additional	additional	ADJ
fsr-3540	55	36	closing	closing	NOUN
fsr-3540	55	37	costs	cost	NOUN
fsr-3540	55	38	,	,	PUNCT
fsr-3540	55	39	credit	credit	NOUN
fsr-3540	55	40	check	check	NOUN
fsr-3540	55	41	,	,	PUNCT
fsr-3540	55	42	and	and	CCONJ
fsr-3540	55	43	income	income	NOUN
fsr-3540	55	44	/	/	SYM
fsr-3540	55	45	asset	asset	NOUN
fsr-3540	55	46	/	/	SYM
fsr-3540	55	47	debt	debt	NOUN
fsr-3540	55	48	verification	verification	NOUN
fsr-3540	55	49	)	)	PUNCT
fsr-3540	56	1	yes	yes	INTJ
fsr-3540	57	1	no	no	INTJ
fsr-3540	57	2	no	no	PRON
fsr-3540	57	3	requires	require	VERB
fsr-3540	57	4	prior	prior	ADV
fsr-3540	57	5	or	or	CCONJ
fsr-3540	57	6	current	current	ADJ
fsr-3540	57	7	principal	principal	ADJ
fsr-3540	57	8	reduction	reduction	NOUN
fsr-3540	58	1	no	no	INTJ
fsr-3540	58	2	yes	yes	INTJ
fsr-3540	58	3	yes	yes	INTJ
fsr-3540	58	4	allows	allow	VERB
fsr-3540	58	5	borrower	borrower	NOUN
fsr-3540	58	6	to	to	PART
fsr-3540	58	7	“	"	PUNCT
fsr-3540	58	8	cash	cash	VERB
fsr-3540	58	9	out	out	ADP
fsr-3540	58	10	”	"	PUNCT
fsr-3540	58	11	increased	increase	VERB
fsr-3540	58	12	home	home	NOUN
fsr-3540	58	13	equity	equity	NOUN
fsr-3540	59	1	yes	yes	INTJ
fsr-3540	59	2	no	no	INTJ
fsr-3540	59	3	no	no	DET
fsr-3540	59	4	change	change	NOUN
fsr-3540	59	5	to	to	ADP
fsr-3540	59	6	the	the	DET
fsr-3540	59	7	original	original	ADJ
fsr-3540	59	8	mortgage	mortgage	NOUN
fsr-3540	59	9	’s	’s	PART
fsr-3540	59	10	maturity	maturity	NOUN
fsr-3540	60	1	yesa	yesa	PROPN
fsr-3540	60	2	yesb	yesb	PROPN
fsr-3540	60	3	no	no	DET
fsr-3540	60	4	change	change	NOUN
fsr-3540	60	5	to	to	ADP
fsr-3540	60	6	the	the	DET
fsr-3540	60	7	original	original	ADJ
fsr-3540	60	8	mortgage	mortgage	NOUN
fsr-3540	60	9	’s	’s	PART
fsr-3540	60	10	interest	interest	NOUN
fsr-3540	60	11	rate	rate	NOUN
fsr-3540	61	1	yes	yes	INTJ
fsr-3540	61	2	no	no	INTJ
fsr-3540	61	3	no	no	DET
fsr-3540	61	4	decrease	decrease	NOUN
fsr-3540	61	5	in	in	ADP
fsr-3540	61	6	future	future	ADJ
fsr-3540	61	7	minimum	minimum	ADJ
fsr-3540	61	8	monthly	monthly	ADJ
fsr-3540	61	9	payment	payment	NOUN
fsr-3540	61	10	maybec	maybec	NOUN
fsr-3540	62	1	no	no	INTJ
fsr-3540	62	2	yes	yes	INTJ
fsr-3540	62	3	athe	athe	ADJ
fsr-3540	62	4	new	new	ADJ
fsr-3540	62	5	mortgage	mortgage	NOUN
fsr-3540	62	6	maturity	maturity	NOUN
fsr-3540	62	7	could	could	AUX
fsr-3540	62	8	be	be	AUX
fsr-3540	62	9	shorter	short	ADJ
fsr-3540	62	10	or	or	CCONJ
fsr-3540	62	11	longer	long	ADJ
fsr-3540	62	12	than	than	ADP
fsr-3540	62	13	the	the	DET
fsr-3540	62	14	original	original	ADJ
fsr-3540	62	15	mortgage	mortgage	NOUN
fsr-3540	62	16	’s	’s	PART
fsr-3540	62	17	maturity	maturity	NOUN
fsr-3540	62	18	.	.	PUNCT
fsr-3540	63	1	bthe	bthe	DET
fsr-3540	63	2	“	"	PUNCT
fsr-3540	63	3	effective	effective	ADJ
fsr-3540	63	4	maturity	maturity	NOUN
fsr-3540	63	5	”	"	PUNCT
fsr-3540	63	6	of	of	ADP
fsr-3540	63	7	the	the	DET
fsr-3540	63	8	new	new	ADJ
fsr-3540	63	9	mortgage	mortgage	NOUN
fsr-3540	63	10	will	will	AUX
fsr-3540	63	11	be	be	AUX
fsr-3540	63	12	shorter	short	ADJ
fsr-3540	63	13	than	than	ADP
fsr-3540	63	14	the	the	DET
fsr-3540	63	15	original	original	ADJ
fsr-3540	63	16	mortgage	mortgage	NOUN
fsr-3540	63	17	’s	’s	PART
fsr-3540	63	18	maturity	maturity	NOUN
fsr-3540	63	19	.	.	PUNCT
fsr-3540	64	1	cthe	cthe	ADJ
fsr-3540	64	2	future	future	ADJ
fsr-3540	64	3	payment	payment	NOUN
fsr-3540	64	4	depends	depend	VERB
fsr-3540	64	5	on	on	ADP
fsr-3540	64	6	the	the	DET
fsr-3540	64	7	new	new	ADJ
fsr-3540	64	8	mortgage	mortgage	NOUN
fsr-3540	64	9	’s	’s	PART
fsr-3540	64	10	rate	rate	NOUN
fsr-3540	64	11	,	,	PUNCT
fsr-3540	64	12	principal	principal	NOUN
fsr-3540	64	13	,	,	PUNCT
fsr-3540	64	14	and	and	CCONJ
fsr-3540	64	15	terms	term	NOUN
fsr-3540	64	16	.	.	PUNCT
fsr-3540	65	1	monthly	monthly	ADJ
fsr-3540	65	2	payments	payment	NOUN
fsr-3540	65	3	could	could	AUX
fsr-3540	65	4	increase	increase	VERB
fsr-3540	65	5	or	or	CCONJ
fsr-3540	65	6	decrease	decrease	VERB
fsr-3540	65	7	.	.	PUNCT
fsr-3540	66	1	fig	fig	NOUN
fsr-3540	66	2	.	.	PUNCT
fsr-3540	67	1	1	1	X
fsr-3540	67	2	.	.	X
fsr-3540	67	3	u.s	u.s	PROPN
fsr-3540	67	4	.	.	PROPN
fsr-3540	67	5	30	30	NUM
fsr-3540	67	6	-	-	PUNCT
fsr-3540	67	7	year	year	NOUN
fsr-3540	67	8	fixed	fix	VERB
fsr-3540	67	9	mortgage	mortgage	NOUN
fsr-3540	67	10	loan	loan	NOUN
fsr-3540	67	11	rate	rate	NOUN
fsr-3540	67	12	.	.	PUNCT
fsr-3540	68	1	april	april	PROPN
fsr-3540	68	2	1971	1971	NUM
fsr-3540	68	3	–	–	PUNCT
fsr-3540	68	4	december	december	PROPN
fsr-3540	68	5	2021	2021	NUM
fsr-3540	68	6	.	.	PUNCT
fsr-3540	69	1	source	source	NOUN
fsr-3540	69	2	:	:	PUNCT
fsr-3540	69	3	freddie	freddie	PROPN
fsr-3540	69	4	mac	mac	PROPN
fsr-3540	69	5	,	,	PUNCT
fsr-3540	69	6	primary	primary	ADJ
fsr-3540	69	7	mortgage	mortgage	NOUN
fsr-3540	69	8	market	market	NOUN
fsr-3540	69	9	survey	survey	NOUN
fsr-3540	69	10	,	,	PUNCT
fsr-3540	69	11	30	30	NUM
fsr-3540	69	12	-	-	PUNCT
fsr-3540	69	13	year	year	NOUN
fsr-3540	69	14	fixed	fix	VERB
fsr-3540	69	15	rate	rate	NOUN
fsr-3540	69	16	mortgages	mortgage	NOUN
fsr-3540	69	17	.	.	PUNCT
fsr-3540	70	1	c.	c.	PROPN
fsr-3540	70	2	mcclatchey	mcclatchey	PROPN
fsr-3540	70	3	/	/	SYM
fsr-3540	70	4	financial	financial	ADJ
fsr-3540	70	5	services	service	NOUN
fsr-3540	70	6	review	review	VERB
fsr-3540	70	7	31	31	NUM
fsr-3540	70	8	(	(	PUNCT
fsr-3540	70	9	2023	2023	NUM
fsr-3540	70	10	)	)	PUNCT
fsr-3540	71	1	197–209	197–209	NUM
fsr-3540	71	2	199	199	NUM
fsr-3540	71	3	hoover	hoover	NOUN
fsr-3540	71	4	’s	’s	PART
fsr-3540	71	5	(	(	PUNCT
fsr-3540	71	6	2003	2003	NUM
fsr-3540	71	7	)	)	PUNCT
fsr-3540	71	8	closed	closed	ADJ
fsr-3540	71	9	-	-	PUNCT
fsr-3540	71	10	form	form	NOUN
fsr-3540	71	11	model	model	NOUN
fsr-3540	71	12	by	by	ADP
fsr-3540	71	13	adding	add	VERB
fsr-3540	71	14	an	an	DET
fsr-3540	71	15	iterative	iterative	ADJ
fsr-3540	71	16	approach	approach	NOUN
fsr-3540	71	17	that	that	PRON
fsr-3540	71	18	includes	include	VERB
fsr-3540	71	19	lost	lose	VERB
fsr-3540	71	20	tax	tax	NOUN
fsr-3540	71	21	deductions	deduction	NOUN
fsr-3540	71	22	for	for	ADP
fsr-3540	71	23	interest	interest	NOUN
fsr-3540	71	24	.	.	PUNCT
fsr-3540	72	1	fortin	fortin	PROPN
fsr-3540	72	2	et	et	PROPN
fsr-3540	72	3	al	al	PROPN
fsr-3540	72	4	.	.	PROPN
fsr-3540	73	1	(	(	PUNCT
fsr-3540	73	2	2007	2007	NUM
fsr-3540	73	3	)	)	PUNCT
fsr-3540	73	4	find	find	VERB
fsr-3540	73	5	the	the	DET
fsr-3540	73	6	breakeven	breakeven	ADJ
fsr-3540	73	7	period	period	NOUN
fsr-3540	73	8	in	in	ADP
fsr-3540	73	9	months	month	NOUN
fsr-3540	73	10	is	be	AUX
fsr-3540	73	11	about	about	ADV
fsr-3540	73	12	35	35	NUM
fsr-3540	73	13	–	–	SYM
fsr-3540	73	14	40	40	NUM
fsr-3540	73	15	%	%	NOUN
fsr-3540	73	16	longer	long	ADV
fsr-3540	73	17	than	than	ADP
fsr-3540	73	18	a	a	DET
fsr-3540	73	19	calculation	calculation	NOUN
fsr-3540	73	20	ignoring	ignore	VERB
fsr-3540	73	21	this	this	DET
fsr-3540	73	22	important	important	ADJ
fsr-3540	73	23	variable	variable	NOUN
fsr-3540	73	24	.	.	PUNCT
fsr-3540	74	1	virmani	virmani	PROPN
fsr-3540	74	2	and	and	CCONJ
fsr-3540	74	3	murphy	murphy	PROPN
fsr-3540	74	4	(	(	PUNCT
fsr-3540	74	5	2010	2010	NUM
fsr-3540	74	6	)	)	PUNCT
fsr-3540	74	7	took	take	VERB
fsr-3540	74	8	a	a	DET
fsr-3540	74	9	different	different	ADJ
fsr-3540	74	10	approach	approach	NOUN
fsr-3540	74	11	to	to	ADP
fsr-3540	74	12	traditional	traditional	ADJ
fsr-3540	74	13	breakeven	breakeven	VERB
fsr-3540	74	14	analysis	analysis	NOUN
fsr-3540	74	15	and	and	CCONJ
fsr-3540	74	16	use	use	VERB
fsr-3540	74	17	an	an	DET
fsr-3540	74	18	option	option	NOUN
fsr-3540	74	19	pricing	pricing	NOUN
fsr-3540	74	20	model	model	NOUN
fsr-3540	74	21	.	.	PUNCT
fsr-3540	75	1	they	they	PRON
fsr-3540	75	2	find	find	VERB
fsr-3540	75	3	the	the	DET
fsr-3540	75	4	performance	performance	NOUN
fsr-3540	75	5	of	of	ADP
fsr-3540	75	6	an	an	DET
fsr-3540	75	7	option	option	NOUN
fsr-3540	75	8	pricing	pricing	NOUN
fsr-3540	75	9	model	model	NOUN
fsr-3540	75	10	is	be	AUX
fsr-3540	75	11	not	not	PART
fsr-3540	75	12	significantly	significantly	ADV
fsr-3540	75	13	different	different	ADJ
fsr-3540	75	14	from	from	ADP
fsr-3540	75	15	that	that	PRON
fsr-3540	75	16	of	of	ADP
fsr-3540	75	17	a	a	DET
fsr-3540	75	18	simple	simple	ADJ
fsr-3540	75	19	1	1	NUM
fsr-3540	75	20	%	%	NOUN
fsr-3540	75	21	heuristic	heuristic	ADJ
fsr-3540	75	22	model	model	NOUN
fsr-3540	75	23	when	when	SCONJ
fsr-3540	75	24	using	use	VERB
fsr-3540	75	25	data	datum	NOUN
fsr-3540	75	26	from	from	ADP
fsr-3540	75	27	1980	1980	NUM
fsr-3540	75	28	to	to	ADP
fsr-3540	75	29	2007	2007	NUM
fsr-3540	75	30	,	,	PUNCT
fsr-3540	75	31	although	although	SCONJ
fsr-3540	75	32	their	their	PRON
fsr-3540	75	33	model	model	NOUN
fsr-3540	75	34	performed	perform	VERB
fsr-3540	75	35	better	well	ADV
fsr-3540	75	36	than	than	ADP
fsr-3540	75	37	the	the	DET
fsr-3540	75	38	2	2	NUM
fsr-3540	75	39	%	%	NOUN
fsr-3540	75	40	heuristic	heuristic	NOUN
fsr-3540	75	41	.	.	PUNCT
fsr-3540	76	1	while	while	SCONJ
fsr-3540	76	2	an	an	DET
fsr-3540	76	3	options	option	NOUN
fsr-3540	76	4	-	-	PUNCT
fsr-3540	76	5	based	base	VERB
fsr-3540	76	6	approach	approach	NOUN
fsr-3540	76	7	may	may	AUX
fsr-3540	76	8	appeal	appeal	VERB
fsr-3540	76	9	to	to	ADP
fsr-3540	76	10	an	an	DET
fsr-3540	76	11	academic	academic	ADJ
fsr-3540	76	12	audience	audience	NOUN
fsr-3540	76	13	,	,	PUNCT
fsr-3540	76	14	the	the	DET
fsr-3540	76	15	traditional	traditional	ADJ
fsr-3540	76	16	breakeven	breakeven	NOUN
fsr-3540	76	17	method	method	NOUN
fsr-3540	76	18	is	be	AUX
fsr-3540	76	19	likely	likely	ADV
fsr-3540	76	20	preferred	prefer	VERB
fsr-3540	76	21	by	by	ADP
fsr-3540	76	22	financial	financial	ADJ
fsr-3540	76	23	planners	planner	NOUN
fsr-3540	76	24	and	and	CCONJ
fsr-3540	76	25	homeowners	homeowner	NOUN
fsr-3540	76	26	,	,	PUNCT
fsr-3540	76	27	as	as	SCONJ
fsr-3540	76	28	it	it	PRON
fsr-3540	76	29	is	be	AUX
fsr-3540	76	30	easy	easy	ADJ
fsr-3540	76	31	to	to	PART
fsr-3540	76	32	explain	explain	VERB
fsr-3540	76	33	and	and	CCONJ
fsr-3540	76	34	understand	understand	VERB
fsr-3540	76	35	.	.	PUNCT
fsr-3540	77	1	the	the	DET
fsr-3540	77	2	literature	literature	NOUN
fsr-3540	77	3	remained	remain	VERB
fsr-3540	77	4	relatively	relatively	ADV
fsr-3540	77	5	quiet	quiet	ADJ
fsr-3540	77	6	until	until	ADP
fsr-3540	77	7	the	the	DET
fsr-3540	77	8	financial	financial	ADJ
fsr-3540	77	9	crisis	crisis	NOUN
fsr-3540	77	10	of	of	ADP
fsr-3540	77	11	2008	2008	NUM
fsr-3540	77	12	.	.	PUNCT
fsr-3540	78	1	as	as	SCONJ
fsr-3540	78	2	the	the	DET
fsr-3540	78	3	topic	topic	NOUN
fsr-3540	78	4	resurfaced	resurface	VERB
fsr-3540	78	5	,	,	PUNCT
fsr-3540	78	6	attention	attention	NOUN
fsr-3540	78	7	shifted	shift	VERB
fsr-3540	78	8	from	from	ADP
fsr-3540	78	9	evaluating	evaluate	VERB
fsr-3540	78	10	the	the	DET
fsr-3540	78	11	merits	merit	NOUN
fsr-3540	78	12	of	of	ADP
fsr-3540	78	13	refinancing	refinance	VERB
fsr-3540	78	14	viewed	view	VERB
fsr-3540	78	15	from	from	ADP
fsr-3540	78	16	the	the	DET
fsr-3540	78	17	lens	lens	NOUN
fsr-3540	78	18	of	of	ADP
fsr-3540	78	19	a	a	DET
fsr-3540	78	20	mortgage	mortgage	NOUN
fsr-3540	78	21	-	-	PUNCT
fsr-3540	78	22	level	level	NOUN
fsr-3540	78	23	transaction	transaction	NOUN
fsr-3540	78	24	to	to	ADP
fsr-3540	78	25	various	various	ADJ
fsr-3540	78	26	market	market	NOUN
fsr-3540	78	27	frictions	friction	NOUN
fsr-3540	78	28	in	in	ADP
fsr-3540	78	29	the	the	DET
fsr-3540	78	30	refinancing	refinance	VERB
fsr-3540	78	31	process	process	NOUN
fsr-3540	78	32	that	that	PRON
fsr-3540	78	33	impede	impede	VERB
fsr-3540	78	34	monetary	monetary	ADJ
fsr-3540	78	35	policy	policy	NOUN
fsr-3540	78	36	attempts	attempt	NOUN
fsr-3540	78	37	to	to	PART
fsr-3540	78	38	stimulate	stimulate	VERB
fsr-3540	78	39	the	the	DET
fsr-3540	78	40	economy	economy	NOUN
fsr-3540	78	41	.	.	PUNCT
fsr-3540	79	1	these	these	DET
fsr-3540	79	2	market	market	NOUN
fsr-3540	79	3	frictions	friction	NOUN
fsr-3540	79	4	are	be	AUX
fsr-3540	79	5	more	more	ADV
fsr-3540	79	6	severe	severe	ADJ
fsr-3540	79	7	during	during	ADP
fsr-3540	79	8	an	an	DET
fsr-3540	79	9	economic	economic	ADJ
fsr-3540	79	10	recession	recession	NOUN
fsr-3540	79	11	.	.	PUNCT
fsr-3540	80	1	defusco	defusco	PROPN
fsr-3540	80	2	and	and	CCONJ
fsr-3540	80	3	mondragon	mondragon	PROPN
fsr-3540	80	4	(	(	PUNCT
fsr-3540	80	5	2020	2020	NUM
fsr-3540	80	6	)	)	PUNCT
fsr-3540	80	7	examine	examine	VERB
fsr-3540	80	8	loan	loan	NOUN
fsr-3540	80	9	-	-	PUNCT
fsr-3540	80	10	level	level	NOUN
fsr-3540	80	11	fha	fha	NOUN
fsr-3540	80	12	mortgage	mortgage	NOUN
fsr-3540	80	13	data	datum	NOUN
fsr-3540	80	14	that	that	PRON
fsr-3540	80	15	span	span	VERB
fsr-3540	80	16	march	march	PROPN
fsr-3540	80	17	2009	2009	NUM
fsr-3540	80	18	to	to	ADP
fsr-3540	80	19	july	july	PROPN
fsr-3540	80	20	2010	2010	NUM
fsr-3540	80	21	(	(	PUNCT
fsr-3540	80	22	1.3	1.3	NUM
fsr-3540	80	23	million	million	NUM
fsr-3540	80	24	fha	fha	NOUN
fsr-3540	80	25	loans	loan	NOUN
fsr-3540	80	26	or	or	CCONJ
fsr-3540	80	27	15.6	15.6	NUM
fsr-3540	80	28	million	million	NUM
fsr-3540	80	29	loan	loan	NOUN
fsr-3540	80	30	-	-	PUNCT
fsr-3540	80	31	months	month	NOUN
fsr-3540	80	32	)	)	PUNCT
fsr-3540	80	33	.	.	PUNCT
fsr-3540	81	1	their	their	PRON
fsr-3540	81	2	study	study	NOUN
fsr-3540	81	3	comprises	comprise	VERB
fsr-3540	81	4	six	six	NUM
fsr-3540	81	5	months	month	NOUN
fsr-3540	81	6	before	before	ADP
fsr-3540	81	7	and	and	CCONJ
fsr-3540	81	8	six	six	NUM
fsr-3540	81	9	months	month	NOUN
fsr-3540	81	10	after	after	ADP
fsr-3540	81	11	the	the	DET
fsr-3540	81	12	implementation	implementation	NOUN
fsr-3540	81	13	of	of	ADP
fsr-3540	81	14	the	the	DET
fsr-3540	81	15	fha	fha	PROPN
fsr-3540	81	16	’s	’s	PART
fsr-3540	81	17	streamline	streamline	NOUN
fsr-3540	81	18	refinance	refinance	NOUN
fsr-3540	81	19	(	(	PUNCT
fsr-3540	81	20	slr	slr	NOUN
fsr-3540	81	21	)	)	PUNCT
fsr-3540	81	22	program	program	NOUN
fsr-3540	81	23	.	.	PUNCT
fsr-3540	82	1	the	the	DET
fsr-3540	82	2	late-2009	late-2009	ADJ
fsr-3540	82	3	program	program	NOUN
fsr-3540	82	4	implemented	implement	VERB
fsr-3540	82	5	two	two	NUM
fsr-3540	82	6	key	key	ADJ
fsr-3540	82	7	changes	change	NOUN
fsr-3540	82	8	in	in	ADP
fsr-3540	82	9	response	response	NOUN
fsr-3540	82	10	to	to	ADP
fsr-3540	82	11	the	the	DET
fsr-3540	82	12	general	general	ADJ
fsr-3540	82	13	deterioration	deterioration	NOUN
fsr-3540	82	14	in	in	ADP
fsr-3540	82	15	the	the	DET
fsr-3540	82	16	mortgage	mortgage	NOUN
fsr-3540	82	17	market	market	NOUN
fsr-3540	82	18	that	that	PRON
fsr-3540	82	19	imposed	impose	VERB
fsr-3540	82	20	restrictions	restriction	NOUN
fsr-3540	82	21	on	on	ADP
fsr-3540	82	22	many	many	ADJ
fsr-3540	82	23	borrowers	borrower	NOUN
fsr-3540	82	24	’	'	PUNCT
fsr-3540	82	25	eligibility	eligibility	NOUN
fsr-3540	82	26	to	to	PART
fsr-3540	82	27	refinance	refinance	VERB
fsr-3540	82	28	.	.	PUNCT
fsr-3540	83	1	first	first	ADV
fsr-3540	83	2	,	,	PUNCT
fsr-3540	83	3	slr	slr	NOUN
fsr-3540	83	4	reduced	reduce	VERB
fsr-3540	83	5	the	the	DET
fsr-3540	83	6	maximum	maximum	ADJ
fsr-3540	83	7	loan	loan	NOUN
fsr-3540	83	8	amount	amount	NOUN
fsr-3540	83	9	for	for	ADP
fsr-3540	83	10	streamlines	streamline	NOUN
fsr-3540	83	11	without	without	ADP
fsr-3540	83	12	an	an	DET
fsr-3540	83	13	appraisal	appraisal	NOUN
fsr-3540	83	14	.	.	PUNCT
fsr-3540	84	1	borrowers	borrower	NOUN
fsr-3540	84	2	with	with	ADP
fsr-3540	84	3	negative	negative	ADJ
fsr-3540	84	4	or	or	CCONJ
fsr-3540	84	5	little	little	ADJ
fsr-3540	84	6	equity	equity	NOUN
fsr-3540	84	7	were	be	AUX
fsr-3540	84	8	now	now	ADV
fsr-3540	84	9	required	require	VERB
fsr-3540	84	10	to	to	PART
fsr-3540	84	11	pay	pay	VERB
fsr-3540	84	12	additional	additional	ADJ
fsr-3540	84	13	upfront	upfront	ADJ
fsr-3540	84	14	closing	closing	NOUN
fsr-3540	84	15	costs	cost	NOUN
fsr-3540	84	16	out	out	ADP
fsr-3540	84	17	-	-	PUNCT
fsr-3540	84	18	of	of	ADP
fsr-3540	84	19	-	-	PUNCT
fsr-3540	84	20	pocket	pocket	NOUN
fsr-3540	84	21	.	.	PUNCT
fsr-3540	85	1	second	second	ADJ
fsr-3540	85	2	,	,	PUNCT
fsr-3540	85	3	slr	slr	NOUN
fsr-3540	85	4	implemented	implement	VERB
fsr-3540	85	5	new	new	ADJ
fsr-3540	85	6	income	income	NOUN
fsr-3540	85	7	documentation	documentation	NOUN
fsr-3540	85	8	that	that	PRON
fsr-3540	85	9	prohibited	prohibit	VERB
fsr-3540	85	10	unemployed	unemployed	ADJ
fsr-3540	85	11	borrowers	borrower	NOUN
fsr-3540	85	12	from	from	ADP
fsr-3540	85	13	refinancing	refinance	VERB
fsr-3540	85	14	altogether	altogether	ADV
fsr-3540	85	15	.	.	PUNCT
fsr-3540	86	1	defusco	defusco	PROPN
fsr-3540	86	2	and	and	CCONJ
fsr-3540	86	3	mondragon	mondragon	PROPN
fsr-3540	86	4	’s	’s	PART
fsr-3540	86	5	(	(	PUNCT
fsr-3540	86	6	2020	2020	NUM
fsr-3540	86	7	)	)	PUNCT
fsr-3540	86	8	event	event	NOUN
fsr-3540	86	9	study	study	NOUN
fsr-3540	86	10	finds	find	VERB
fsr-3540	86	11	these	these	DET
fsr-3540	86	12	frictions	friction	NOUN
fsr-3540	86	13	resulted	result	VERB
fsr-3540	86	14	in	in	ADP
fsr-3540	86	15	a	a	DET
fsr-3540	86	16	large	large	ADJ
fsr-3540	86	17	decline	decline	NOUN
fsr-3540	86	18	in	in	ADP
fsr-3540	86	19	refinancing	refinance	VERB
fsr-3540	86	20	activity	activity	NOUN
fsr-3540	86	21	that	that	PRON
fsr-3540	86	22	if	if	SCONJ
fsr-3540	86	23	continued	continue	VERB
fsr-3540	86	24	,	,	PUNCT
fsr-3540	86	25	would	would	AUX
fsr-3540	86	26	have	have	AUX
fsr-3540	86	27	prevented	prevent	VERB
fsr-3540	86	28	many	many	ADJ
fsr-3540	86	29	foreclosures	foreclosure	NOUN
fsr-3540	86	30	that	that	PRON
fsr-3540	86	31	clearly	clearly	ADV
fsr-3540	86	32	would	would	AUX
fsr-3540	86	33	have	have	AUX
fsr-3540	86	34	benefited	benefit	VERB
fsr-3540	86	35	homeowners	homeowner	NOUN
fsr-3540	86	36	and	and	CCONJ
fsr-3540	86	37	the	the	DET
fsr-3540	86	38	overall	overall	ADJ
fsr-3540	86	39	u.s	u.s	PROPN
fsr-3540	86	40	.	.	PROPN
fsr-3540	86	41	economy	economy	NOUN
fsr-3540	86	42	.	.	PUNCT
fsr-3540	87	1	they	they	PRON
fsr-3540	87	2	commented	comment	VERB
fsr-3540	87	3	:	:	PUNCT
fsr-3540	87	4	[	[	X
fsr-3540	87	5	these	these	PRON
fsr-3540	87	6	]	]	PUNCT
fsr-3540	87	7	frictions	friction	NOUN
fsr-3540	87	8	are	be	AUX
fsr-3540	87	9	likely	likely	ADJ
fsr-3540	87	10	to	to	PART
fsr-3540	87	11	bind	bind	VERB
fsr-3540	87	12	most	most	ADV
fsr-3540	87	13	for	for	ADP
fsr-3540	87	14	precisely	precisely	ADV
fsr-3540	87	15	the	the	DET
fsr-3540	87	16	households	household	NOUN
fsr-3540	87	17	whose	whose	DET
fsr-3540	87	18	expenditures	expenditure	NOUN
fsr-3540	87	19	may	may	AUX
fsr-3540	87	20	be	be	AUX
fsr-3540	87	21	most	most	ADV
fsr-3540	87	22	sensitive	sensitive	ADJ
fsr-3540	87	23	to	to	ADP
fsr-3540	87	24	reduced	reduced	ADJ
fsr-3540	87	25	rates	rate	NOUN
fsr-3540	87	26	–	–	PUNCT
fsr-3540	87	27	those	those	PRON
fsr-3540	87	28	with	with	ADP
fsr-3540	87	29	little	little	ADJ
fsr-3540	87	30	cash	cash	NOUN
fsr-3540	87	31	on	on	ADP
fsr-3540	87	32	hand	hand	NOUN
fsr-3540	87	33	or	or	CCONJ
fsr-3540	87	34	who	who	PRON
fsr-3540	87	35	recently	recently	ADV
fsr-3540	87	36	experienced	experience	VERB
fsr-3540	87	37	a	a	DET
fsr-3540	87	38	negative	negative	ADJ
fsr-3540	87	39	income	income	NOUN
fsr-3540	87	40	shock	shock	NOUN
fsr-3540	87	41	.	.	PUNCT
fsr-3540	88	1	this	this	DET
fsr-3540	88	2	fact	fact	NOUN
fsr-3540	88	3	may	may	AUX
fsr-3540	88	4	exacerbate	exacerbate	VERB
fsr-3540	88	5	the	the	DET
fsr-3540	88	6	already	already	ADV
fsr-3540	88	7	unequal	unequal	ADJ
fsr-3540	88	8	impacts	impact	NOUN
fsr-3540	88	9	of	of	ADP
fsr-3540	88	10	recessions	recession	NOUN
fsr-3540	88	11	by	by	ADP
fsr-3540	88	12	limiting	limit	VERB
fsr-3540	88	13	the	the	DET
fsr-3540	88	14	extent	extent	NOUN
fsr-3540	88	15	to	to	PART
fsr-3540	88	16	which	which	PRON
fsr-3540	88	17	reductions	reduction	NOUN
fsr-3540	88	18	in	in	ADP
fsr-3540	88	19	interest	interest	NOUN
fsr-3540	88	20	rates	rate	NOUN
fsr-3540	88	21	or	or	CCONJ
fsr-3540	88	22	other	other	ADJ
fsr-3540	88	23	policies	policy	NOUN
fsr-3540	88	24	that	that	PRON
fsr-3540	88	25	operate	operate	VERB
fsr-3540	88	26	through	through	ADP
fsr-3540	88	27	mortgage	mortgage	NOUN
fsr-3540	88	28	refinancing	refinancing	NOUN
fsr-3540	88	29	benefit	benefit	NOUN
fsr-3540	88	30	lower	low	ADJ
fsr-3540	88	31	-	-	PUNCT
fsr-3540	88	32	income	income	NOUN
fsr-3540	88	33	households	household	NOUN
fsr-3540	88	34	directly	directly	ADV
fsr-3540	88	35	.	.	PUNCT
fsr-3540	89	1	our	our	PRON
fsr-3540	89	2	results	result	NOUN
fsr-3540	89	3	suggest	suggest	VERB
fsr-3540	89	4	there	there	PRON
fsr-3540	89	5	are	be	VERB
fsr-3540	89	6	a	a	DET
fsr-3540	89	7	significant	significant	ADJ
fsr-3540	89	8	number	number	NOUN
fsr-3540	89	9	of	of	ADP
fsr-3540	89	10	borrowers	borrower	NOUN
fsr-3540	89	11	that	that	PRON
fsr-3540	89	12	would	would	AUX
fsr-3540	89	13	refinance	refinance	VERB
fsr-3540	89	14	their	their	PRON
fsr-3540	89	15	mortgages	mortgage	NOUN
fsr-3540	89	16	when	when	SCONJ
fsr-3540	89	17	lower	low	ADJ
fsr-3540	89	18	rates	rate	NOUN
fsr-3540	89	19	are	be	AUX
fsr-3540	89	20	offered	offer	VERB
fsr-3540	89	21	,	,	PUNCT
fsr-3540	89	22	but	but	CCONJ
fsr-3540	89	23	who	who	PRON
fsr-3540	89	24	can	can	AUX
fsr-3540	89	25	not	not	PART
fsr-3540	89	26	do	do	VERB
fsr-3540	89	27	so	so	ADV
fsr-3540	89	28	because	because	SCONJ
fsr-3540	89	29	of	of	ADP
fsr-3540	89	30	these	these	DET
fsr-3540	89	31	large	large	ADJ
fsr-3540	89	32	frictions	friction	NOUN
fsr-3540	89	33	in	in	ADP
fsr-3540	89	34	the	the	DET
fsr-3540	89	35	mortgage	mortgage	NOUN
fsr-3540	89	36	market	market	NOUN
fsr-3540	89	37	(	(	PUNCT
fsr-3540	89	38	defusco	defusco	PROPN
fsr-3540	89	39	&	&	CCONJ
fsr-3540	89	40	mondragon	mondragon	PROPN
fsr-3540	89	41	,	,	PUNCT
fsr-3540	89	42	2020	2020	NUM
fsr-3540	89	43	,	,	PUNCT
fsr-3540	89	44	p.	p.	NOUN
fsr-3540	89	45	2372	2372	NUM
fsr-3540	89	46	)	)	PUNCT
fsr-3540	89	47	.	.	PUNCT
fsr-3540	90	1	following	follow	VERB
fsr-3540	90	2	the	the	DET
fsr-3540	90	3	u.s	u.s	PROPN
fsr-3540	90	4	.	.	PROPN
fsr-3540	90	5	economic	economic	ADJ
fsr-3540	90	6	recovery	recovery	NOUN
fsr-3540	90	7	from	from	ADP
fsr-3540	90	8	the	the	DET
fsr-3540	90	9	2008	2008	NUM
fsr-3540	90	10	financial	financial	ADJ
fsr-3540	90	11	crisis	crisis	NOUN
fsr-3540	90	12	,	,	PUNCT
fsr-3540	90	13	discussion	discussion	NOUN
fsr-3540	90	14	on	on	ADP
fsr-3540	90	15	market	market	NOUN
fsr-3540	90	16	frictions	friction	NOUN
fsr-3540	90	17	and	and	CCONJ
fsr-3540	90	18	their	their	PRON
fsr-3540	90	19	effect	effect	NOUN
fsr-3540	90	20	on	on	ADP
fsr-3540	90	21	the	the	DET
fsr-3540	90	22	pass	pass	NOUN
fsr-3540	90	23	-	-	PUNCT
fsr-3540	90	24	through	through	NOUN
fsr-3540	90	25	of	of	ADP
fsr-3540	90	26	monetary	monetary	ADJ
fsr-3540	90	27	policy	policy	NOUN
fsr-3540	90	28	reemerged	reemerge	VERB
fsr-3540	90	29	as	as	SCONJ
fsr-3540	90	30	covid-19	covid-19	PROPN
fsr-3540	90	31	triggered	trigger	VERB
fsr-3540	90	32	a	a	DET
fsr-3540	90	33	global	global	ADJ
fsr-3540	90	34	pandemic	pandemic	NOUN
fsr-3540	90	35	that	that	PRON
fsr-3540	90	36	disrupted	disrupt	VERB
fsr-3540	90	37	household	household	NOUN
fsr-3540	90	38	employment	employment	NOUN
fsr-3540	90	39	,	,	PUNCT
fsr-3540	90	40	income	income	NOUN
fsr-3540	90	41	,	,	PUNCT
fsr-3540	90	42	and	and	CCONJ
fsr-3540	90	43	the	the	DET
fsr-3540	90	44	ability	ability	NOUN
fsr-3540	90	45	of	of	ADP
fsr-3540	90	46	many	many	ADJ
fsr-3540	90	47	homeowners	homeowner	NOUN
fsr-3540	90	48	to	to	PART
fsr-3540	90	49	refinance	refinance	VERB
fsr-3540	90	50	.	.	PUNCT
fsr-3540	91	1	the	the	DET
fsr-3540	91	2	circumstances	circumstance	NOUN
fsr-3540	91	3	of	of	ADP
fsr-3540	91	4	homeowners	homeowner	NOUN
fsr-3540	91	5	facing	face	VERB
fsr-3540	91	6	unemployment	unemployment	NOUN
fsr-3540	91	7	due	due	ADP
fsr-3540	91	8	to	to	ADP
fsr-3540	91	9	covid-19	covid-19	PROPN
fsr-3540	91	10	are	be	AUX
fsr-3540	91	11	like	like	ADP
fsr-3540	91	12	those	those	PRON
fsr-3540	91	13	in	in	ADP
fsr-3540	91	14	the	the	DET
fsr-3540	91	15	2008	2008	NUM
fsr-3540	91	16	financial	financial	ADJ
fsr-3540	91	17	crisis	crisis	NOUN
fsr-3540	91	18	in	in	ADP
fsr-3540	91	19	that	that	PRON
fsr-3540	91	20	both	both	PRON
fsr-3540	91	21	experienced	experience	VERB
fsr-3540	91	22	an	an	DET
fsr-3540	91	23	exogenous	exogenous	ADJ
fsr-3540	91	24	shock	shock	NOUN
fsr-3540	91	25	that	that	PRON
fsr-3540	91	26	placed	place	VERB
fsr-3540	91	27	them	they	PRON
fsr-3540	91	28	in	in	ADP
fsr-3540	91	29	a	a	DET
fsr-3540	91	30	distressed	distressed	ADJ
fsr-3540	91	31	financial	financial	ADJ
fsr-3540	91	32	situation	situation	NOUN
fsr-3540	91	33	.	.	PUNCT
fsr-3540	92	1	two	two	NUM
fsr-3540	92	2	important	important	ADJ
fsr-3540	92	3	differences	difference	NOUN
fsr-3540	92	4	between	between	ADP
fsr-3540	92	5	the	the	DET
fsr-3540	92	6	2008	2008	NUM
fsr-3540	92	7	financial	financial	ADJ
fsr-3540	92	8	crisis	crisis	NOUN
fsr-3540	92	9	and	and	CCONJ
fsr-3540	92	10	the	the	DET
fsr-3540	92	11	current	current	ADJ
fsr-3540	92	12	environment	environment	NOUN
fsr-3540	92	13	make	make	VERB
fsr-3540	92	14	the	the	DET
fsr-3540	92	15	recent	recent	ADJ
fsr-3540	92	16	landscape	landscape	NOUN
fsr-3540	92	17	unique	unique	ADJ
fsr-3540	92	18	.	.	PUNCT
fsr-3540	93	1	200	200	NUM
fsr-3540	93	2	c.	c.	NOUN
fsr-3540	93	3	mcclatchey	mcclatchey	PROPN
fsr-3540	93	4	/	/	SYM
fsr-3540	93	5	financial	financial	ADJ
fsr-3540	93	6	services	service	NOUN
fsr-3540	93	7	review	review	VERB
fsr-3540	93	8	31	31	NUM
fsr-3540	93	9	(	(	PUNCT
fsr-3540	93	10	2023	2023	NUM
fsr-3540	93	11	)	)	PUNCT
fsr-3540	94	1	197–209	197–209	NUM
fsr-3540	94	2	1	1	NUM
fsr-3540	94	3	.	.	PUNCT
fsr-3540	95	1	the	the	DET
fsr-3540	95	2	u.s	u.s	PROPN
fsr-3540	95	3	.	.	PROPN
fsr-3540	95	4	unemployment	unemployment	NOUN
fsr-3540	95	5	rate	rate	NOUN
fsr-3540	95	6	peaked	peak	VERB
fsr-3540	95	7	around	around	ADP
fsr-3540	95	8	10	10	NUM
fsr-3540	95	9	%	%	NOUN
fsr-3540	95	10	in	in	ADP
fsr-3540	95	11	october	october	PROPN
fsr-3540	95	12	2009	2009	NUM
fsr-3540	95	13	but	but	CCONJ
fsr-3540	95	14	took	take	VERB
fsr-3540	95	15	more	more	ADJ
fsr-3540	95	16	than	than	ADP
fsr-3540	95	17	five	five	NUM
fsr-3540	95	18	years	year	NOUN
fsr-3540	95	19	to	to	PART
fsr-3540	95	20	reverse	reverse	VERB
fsr-3540	95	21	to	to	ADP
fsr-3540	95	22	prior	prior	ADJ
fsr-3540	95	23	levels	level	NOUN
fsr-3540	95	24	(	(	PUNCT
fsr-3540	95	25	fig	fig	NOUN
fsr-3540	95	26	.	.	PUNCT
fsr-3540	95	27	2	2	NUM
fsr-3540	95	28	)	)	PUNCT
fsr-3540	95	29	.	.	PUNCT
fsr-3540	96	1	during	during	ADP
fsr-3540	96	2	the	the	DET
fsr-3540	96	3	covid-19	covid-19	PROPN
fsr-3540	96	4	crisis	crisis	NOUN
fsr-3540	96	5	,	,	PUNCT
fsr-3540	96	6	unemployment	unemployment	NOUN
fsr-3540	96	7	levels	level	NOUN
fsr-3540	96	8	peaked	peak	VERB
fsr-3540	96	9	much	much	ADV
fsr-3540	96	10	higher	high	ADJ
fsr-3540	96	11	in	in	ADP
fsr-3540	96	12	april	april	PROPN
fsr-3540	96	13	2020	2020	NUM
fsr-3540	96	14	at	at	ADP
fsr-3540	96	15	14.7	14.7	NUM
fsr-3540	96	16	%	%	NOUN
fsr-3540	96	17	,	,	PUNCT
fsr-3540	96	18	but	but	CCONJ
fsr-3540	96	19	recovered	recover	VERB
fsr-3540	96	20	within	within	ADP
fsr-3540	96	21	one	one	NUM
fsr-3540	96	22	year	year	NOUN
fsr-3540	96	23	;	;	PUNCT
fsr-3540	96	24	though	though	SCONJ
fsr-3540	96	25	more	more	ADJ
fsr-3540	96	26	homeowners	homeowner	NOUN
fsr-3540	96	27	experienced	experience	VERB
fsr-3540	96	28	an	an	DET
fsr-3540	96	29	employment	employment	NOUN
fsr-3540	96	30	or	or	CCONJ
fsr-3540	96	31	income	income	NOUN
fsr-3540	96	32	disruption	disruption	NOUN
fsr-3540	96	33	during	during	ADP
fsr-3540	96	34	covid-19	covid-19	PROPN
fsr-3540	96	35	,	,	PUNCT
fsr-3540	96	36	the	the	DET
fsr-3540	96	37	effects	effect	NOUN
fsr-3540	96	38	were	be	AUX
fsr-3540	96	39	short	short	ADV
fsr-3540	96	40	-	-	PUNCT
fsr-3540	96	41	lived	live	VERB
fsr-3540	96	42	.	.	PUNCT
fsr-3540	97	1	2	2	X
fsr-3540	97	2	.	.	X
fsr-3540	97	3	during	during	ADP
fsr-3540	97	4	covid-19	covid-19	PROPN
fsr-3540	97	5	,	,	PUNCT
fsr-3540	97	6	far	far	ADV
fsr-3540	97	7	fewer	few	ADJ
fsr-3540	97	8	borrowers	borrower	NOUN
fsr-3540	97	9	found	find	VERB
fsr-3540	97	10	themselves	themselves	PRON
fsr-3540	97	11	in	in	ADP
fsr-3540	97	12	homes	home	NOUN
fsr-3540	97	13	worth	worth	ADJ
fsr-3540	97	14	less	less	ADJ
fsr-3540	97	15	than	than	ADP
fsr-3540	97	16	their	their	PRON
fsr-3540	97	17	mortgage	mortgage	NOUN
fsr-3540	97	18	.	.	PUNCT
fsr-3540	98	1	homeowners	homeowner	NOUN
fsr-3540	98	2	paid	pay	VERB
fsr-3540	98	3	down	down	ADP
fsr-3540	98	4	their	their	PRON
fsr-3540	98	5	mortgage	mortgage	NOUN
fsr-3540	98	6	from	from	ADP
fsr-3540	98	7	10	10	NUM
fsr-3540	98	8	years	year	NOUN
fsr-3540	98	9	ago	ago	ADV
fsr-3540	98	10	and	and	CCONJ
fsr-3540	98	11	increases	increase	NOUN
fsr-3540	98	12	in	in	ADP
fsr-3540	98	13	house	house	NOUN
fsr-3540	98	14	prices	price	NOUN
fsr-3540	98	15	were	be	AUX
fsr-3540	98	16	robust	robust	ADJ
fsr-3540	98	17	(	(	PUNCT
fsr-3540	98	18	golding	golding	NOUN
fsr-3540	98	19	,	,	PUNCT
fsr-3540	98	20	goodman	goodman	PROPN
fsr-3540	98	21	,	,	PUNCT
fsr-3540	98	22	green	green	ADJ
fsr-3540	98	23	,	,	PUNCT
fsr-3540	98	24	&	&	CCONJ
fsr-3540	98	25	wachter	wachter	NOUN
fsr-3540	98	26	,	,	PUNCT
fsr-3540	98	27	2021	2021	NUM
fsr-3540	98	28	)	)	PUNCT
fsr-3540	98	29	.	.	PUNCT
fsr-3540	99	1	this	this	DET
fsr-3540	99	2	home	home	NOUN
fsr-3540	99	3	equity	equity	NOUN
fsr-3540	99	4	could	could	AUX
fsr-3540	99	5	be	be	AUX
fsr-3540	99	6	used	use	VERB
fsr-3540	99	7	to	to	PART
fsr-3540	99	8	pay	pay	VERB
fsr-3540	99	9	closing	closing	NOUN
fsr-3540	99	10	costs	cost	NOUN
fsr-3540	99	11	incurred	incur	VERB
fsr-3540	99	12	when	when	SCONJ
fsr-3540	99	13	refinancing	refinance	VERB
fsr-3540	99	14	,	,	PUNCT
fsr-3540	99	15	without	without	ADP
fsr-3540	99	16	pushing	push	VERB
fsr-3540	99	17	a	a	DET
fsr-3540	99	18	borrower	borrower	NOUN
fsr-3540	99	19	’s	’s	PART
fsr-3540	99	20	loan	loan	NOUN
fsr-3540	99	21	-	-	PUNCT
fsr-3540	99	22	to	to	ADP
fsr-3540	99	23	-	-	PUNCT
fsr-3540	99	24	value	value	NOUN
fsr-3540	99	25	ratio	ratio	NOUN
fsr-3540	99	26	(	(	PUNCT
fsr-3540	99	27	ltv	ltv	PROPN
fsr-3540	99	28	)	)	PUNCT
fsr-3540	99	29	to	to	ADP
fsr-3540	99	30	an	an	DET
fsr-3540	99	31	unacceptable	unacceptable	ADJ
fsr-3540	99	32	level	level	NOUN
fsr-3540	99	33	or	or	CCONJ
fsr-3540	99	34	allow	allow	VERB
fsr-3540	99	35	for	for	ADP
fsr-3540	99	36	a	a	DET
fsr-3540	99	37	“	"	PUNCT
fsr-3540	99	38	cash	cash	NOUN
fsr-3540	99	39	out	out	ADP
fsr-3540	99	40	”	"	PUNCT
fsr-3540	99	41	refinance	refinance	NOUN
fsr-3540	99	42	to	to	PART
fsr-3540	99	43	cover	cover	VERB
fsr-3540	99	44	short	short	ADJ
fsr-3540	99	45	-	-	PUNCT
fsr-3540	99	46	term	term	NOUN
fsr-3540	99	47	expenses	expense	NOUN
fsr-3540	99	48	.	.	PUNCT
fsr-3540	100	1	following	follow	VERB
fsr-3540	100	2	the	the	DET
fsr-3540	100	3	lead	lead	NOUN
fsr-3540	100	4	of	of	ADP
fsr-3540	100	5	defusco	defusco	PROPN
fsr-3540	100	6	and	and	CCONJ
fsr-3540	100	7	mondragon	mondragon	PROPN
fsr-3540	100	8	(	(	PUNCT
fsr-3540	100	9	2020	2020	NUM
fsr-3540	100	10	)	)	PUNCT
fsr-3540	100	11	,	,	PUNCT
fsr-3540	100	12	two	two	NUM
fsr-3540	100	13	studies	study	NOUN
fsr-3540	100	14	sought	seek	VERB
fsr-3540	100	15	to	to	PART
fsr-3540	100	16	examine	examine	VERB
fsr-3540	100	17	how	how	SCONJ
fsr-3540	100	18	relaxing	relaxing	ADJ
fsr-3540	100	19	employment	employment	NOUN
fsr-3540	100	20	and	and	CCONJ
fsr-3540	100	21	income	income	NOUN
fsr-3540	100	22	restrictions	restriction	NOUN
fsr-3540	100	23	during	during	ADP
fsr-3540	100	24	the	the	DET
fsr-3540	100	25	covid-19	covid-19	PROPN
fsr-3540	100	26	crisis	crisis	NOUN
fsr-3540	100	27	might	might	AUX
fsr-3540	100	28	have	have	AUX
fsr-3540	100	29	unleashed	unleash	VERB
fsr-3540	100	30	restricted	restricted	ADJ
fsr-3540	100	31	refinancing	refinancing	NOUN
fsr-3540	100	32	activity	activity	NOUN
fsr-3540	100	33	.	.	PUNCT
fsr-3540	101	1	both	both	PRON
fsr-3540	101	2	aimed	aim	VERB
fsr-3540	101	3	to	to	PART
fsr-3540	101	4	hypothesize	hypothesize	VERB
fsr-3540	101	5	and	and	CCONJ
fsr-3540	101	6	to	to	PART
fsr-3540	101	7	quantify	quantify	VERB
fsr-3540	101	8	how	how	SCONJ
fsr-3540	101	9	reducing	reduce	VERB
fsr-3540	101	10	market	market	NOUN
fsr-3540	101	11	frictions	friction	NOUN
fsr-3540	101	12	could	could	AUX
fsr-3540	101	13	have	have	AUX
fsr-3540	101	14	benefited	benefit	VERB
fsr-3540	101	15	borrowers	borrower	NOUN
fsr-3540	101	16	and	and	CCONJ
fsr-3540	101	17	the	the	DET
fsr-3540	101	18	u.s	u.s	PROPN
fsr-3540	101	19	.	.	PROPN
fsr-3540	101	20	economy	economy	NOUN
fsr-3540	101	21	without	without	ADP
fsr-3540	101	22	an	an	DET
fsr-3540	101	23	outright	outright	ADJ
fsr-3540	101	24	bailout	bailout	NOUN
fsr-3540	101	25	to	to	ADP
fsr-3540	101	26	taxpayers	taxpayer	NOUN
fsr-3540	101	27	.	.	PUNCT
fsr-3540	102	1	golding	golde	VERB
fsr-3540	102	2	et	et	PROPN
fsr-3540	102	3	al	al	PROPN
fsr-3540	102	4	.	.	PROPN
fsr-3540	103	1	(	(	PUNCT
fsr-3540	103	2	2021	2021	NUM
fsr-3540	103	3	)	)	PUNCT
fsr-3540	103	4	propose	propose	VERB
fsr-3540	103	5	a	a	DET
fsr-3540	103	6	streamlined	streamlined	ADJ
fsr-3540	103	7	refinance	refinance	NOUN
fsr-3540	103	8	for	for	ADP
fsr-3540	103	9	federal	federal	ADJ
fsr-3540	103	10	mortgages	mortgage	NOUN
fsr-3540	103	11	that	that	PRON
fsr-3540	103	12	would	would	AUX
fsr-3540	103	13	allow	allow	VERB
fsr-3540	103	14	borrowers	borrower	NOUN
fsr-3540	103	15	to	to	PART
fsr-3540	103	16	refinance	refinance	VERB
fsr-3540	103	17	with	with	ADP
fsr-3540	103	18	no	no	DET
fsr-3540	103	19	employment	employment	NOUN
fsr-3540	103	20	and	and	CCONJ
fsr-3540	103	21	income	income	NOUN
fsr-3540	103	22	tests	test	NOUN
fsr-3540	103	23	for	for	ADP
fsr-3540	103	24	no	no	DET
fsr-3540	103	25	-	-	PUNCT
fsr-3540	103	26	cash	cash	NOUN
fsr-3540	103	27	-	-	PUNCT
fsr-3540	103	28	out	out	ADP
fsr-3540	103	29	refinances	refinance	NOUN
fsr-3540	103	30	:	:	PUNCT
fsr-3540	103	31	a	a	DET
fsr-3540	103	32	program	program	NOUN
fsr-3540	103	33	they	they	PRON
fsr-3540	103	34	termed	term	VERB
fsr-3540	103	35	as	as	ADP
fsr-3540	103	36	“	"	PUNCT
fsr-3540	103	37	harp	harp	NOUN
fsr-3540	103	38	3.0	3.0	NUM
fsr-3540	103	39	”	"	PUNCT
fsr-3540	103	40	.	.	PUNCT
fsr-3540	104	1	they	they	PRON
fsr-3540	104	2	estimate	estimate	VERB
fsr-3540	104	3	three	three	NUM
fsr-3540	104	4	million	million	NUM
fsr-3540	104	5	borrowers	borrower	NOUN
fsr-3540	104	6	would	would	AUX
fsr-3540	104	7	have	have	AUX
fsr-3540	104	8	been	be	AUX
fsr-3540	104	9	eligible	eligible	ADJ
fsr-3540	104	10	to	to	PART
fsr-3540	104	11	refinance	refinance	VERB
fsr-3540	104	12	under	under	ADP
fsr-3540	104	13	their	their	PRON
fsr-3540	104	14	program	program	NOUN
fsr-3540	104	15	which	which	PRON
fsr-3540	104	16	would	would	AUX
fsr-3540	104	17	have	have	AUX
fsr-3540	104	18	contributed	contribute	VERB
fsr-3540	104	19	$	$	SYM
fsr-3540	104	20	53	53	NUM
fsr-3540	104	21	billion	billion	NUM
fsr-3540	104	22	in	in	ADP
fsr-3540	104	23	additional	additional	ADJ
fsr-3540	104	24	stimulus	stimulus	NOUN
fsr-3540	104	25	per	per	ADP
fsr-3540	104	26	year	year	NOUN
fsr-3540	104	27	.	.	PUNCT
fsr-3540	105	1	gerardi	gerardi	NOUN
fsr-3540	105	2	,	,	PUNCT
fsr-3540	105	3	loewenstein	loewenstein	PROPN
fsr-3540	105	4	,	,	PUNCT
fsr-3540	105	5	and	and	CCONJ
fsr-3540	105	6	willen	willen	NOUN
fsr-3540	105	7	(	(	PUNCT
fsr-3540	105	8	2021	2021	NUM
fsr-3540	105	9	)	)	PUNCT
fsr-3540	105	10	examine	examine	VERB
fsr-3540	105	11	a	a	DET
fsr-3540	105	12	no	no	DET
fsr-3540	105	13	employment	employment	NOUN
fsr-3540	105	14	and	and	CCONJ
fsr-3540	105	15	income	income	NOUN
fsr-3540	105	16	test	test	NOUN
fsr-3540	105	17	for	for	ADP
fsr-3540	105	18	refinancing	refinance	VERB
fsr-3540	105	19	but	but	CCONJ
fsr-3540	105	20	add	add	VERB
fsr-3540	105	21	a	a	DET
fsr-3540	105	22	cash	cash	NOUN
fsr-3540	105	23	-	-	PUNCT
fsr-3540	105	24	out	out	ADP
fsr-3540	105	25	option	option	NOUN
fsr-3540	105	26	that	that	PRON
fsr-3540	105	27	would	would	AUX
fsr-3540	105	28	allow	allow	VERB
fsr-3540	105	29	“	"	PUNCT
fsr-3540	105	30	in	in	ADP
fsr-3540	105	31	-	-	PUNCT
fsr-3540	105	32	the	the	DET
fsr-3540	105	33	-	-	PUNCT
fsr-3540	105	34	money	money	NOUN
fsr-3540	105	35	”	"	PUNCT
fsr-3540	105	36	borrowers	borrower	NOUN
fsr-3540	105	37	to	to	PART
fsr-3540	105	38	extract	extract	VERB
fsr-3540	105	39	some	some	PRON
fsr-3540	105	40	of	of	ADP
fsr-3540	105	41	their	their	PRON
fsr-3540	105	42	increased	increase	VERB
fsr-3540	105	43	housing	housing	NOUN
fsr-3540	105	44	equity	equity	NOUN
fsr-3540	105	45	.	.	PUNCT
fsr-3540	106	1	their	their	PRON
fsr-3540	106	2	program	program	NOUN
fsr-3540	106	3	could	could	AUX
fsr-3540	106	4	have	have	AUX
fsr-3540	106	5	saved	save	VERB
fsr-3540	106	6	as	as	ADV
fsr-3540	106	7	much	much	ADJ
fsr-3540	106	8	as	as	ADP
fsr-3540	106	9	$	$	SYM
fsr-3540	106	10	280	280	NUM
fsr-3540	106	11	a	a	DET
fsr-3540	106	12	month	month	NOUN
fsr-3540	106	13	for	for	ADP
fsr-3540	106	14	fannie	fannie	PROPN
fsr-3540	106	15	and	and	CCONJ
fsr-3540	106	16	freddie	freddie	PROPN
fsr-3540	106	17	loans	loan	NOUN
fsr-3540	106	18	and	and	CCONJ
fsr-3540	106	19	$	$	SYM
fsr-3540	106	20	200	200	NUM
fsr-3540	106	21	a	a	DET
fsr-3540	106	22	month	month	NOUN
fsr-3540	106	23	for	for	ADP
fsr-3540	106	24	ginnie	ginnie	PROPN
fsr-3540	106	25	borrowers	borrower	NOUN
fsr-3540	106	26	.	.	PUNCT
fsr-3540	107	1	3	3	X
fsr-3540	107	2	.	.	X
fsr-3540	107	3	recasting	recast	VERB
fsr-3540	107	4	(	(	PUNCT
fsr-3540	107	5	alt-3	alt-3	ADV
fsr-3540	107	6	)	)	PUNCT
fsr-3540	107	7	today	today	NOUN
fsr-3540	107	8	’s	’s	PART
fsr-3540	107	9	homeowner	homeowner	NOUN
fsr-3540	107	10	faces	face	VERB
fsr-3540	107	11	a	a	DET
fsr-3540	107	12	very	very	ADV
fsr-3540	107	13	different	different	ADJ
fsr-3540	107	14	landscape	landscape	NOUN
fsr-3540	107	15	.	.	PUNCT
fsr-3540	108	1	the	the	DET
fsr-3540	108	2	federal	federal	PROPN
fsr-3540	108	3	reserve	reserve	PROPN
fsr-3540	108	4	began	begin	VERB
fsr-3540	108	5	increasing	increase	VERB
fsr-3540	108	6	interest	interest	NOUN
fsr-3540	108	7	rates	rate	NOUN
fsr-3540	108	8	in	in	ADP
fsr-3540	108	9	early	early	ADJ
fsr-3540	108	10	2022	2022	NUM
fsr-3540	108	11	making	make	VERB
fsr-3540	108	12	refinancing	refinance	VERB
fsr-3540	108	13	considerably	considerably	ADV
fsr-3540	108	14	less	less	ADV
fsr-3540	108	15	attractive	attractive	ADJ
fsr-3540	108	16	for	for	ADP
fsr-3540	108	17	many	many	ADJ
fsr-3540	108	18	homeowners	homeowner	NOUN
fsr-3540	108	19	.	.	PUNCT
fsr-3540	109	1	in	in	ADP
fsr-3540	109	2	contrast	contrast	NOUN
fsr-3540	109	3	,	,	PUNCT
fsr-3540	109	4	a	a	DET
fsr-3540	109	5	recast	recast	NOUN
fsr-3540	109	6	does	do	AUX
fsr-3540	109	7	not	not	PART
fsr-3540	109	8	require	require	VERB
fsr-3540	109	9	a	a	DET
fsr-3540	109	10	new	new	ADJ
fsr-3540	109	11	mortgage	mortgage	NOUN
fsr-3540	109	12	at	at	ADP
fsr-3540	109	13	current	current	ADJ
fsr-3540	109	14	market	market	NOUN
fsr-3540	109	15	interest	interest	NOUN
fsr-3540	109	16	fig	fig	NOUN
fsr-3540	109	17	.	.	PUNCT
fsr-3540	110	1	2	2	X
fsr-3540	110	2	.	.	X
fsr-3540	110	3	u.s	u.s	PROPN
fsr-3540	110	4	.	.	PROPN
fsr-3540	110	5	unemployment	unemployment	NOUN
fsr-3540	110	6	rate	rate	NOUN
fsr-3540	110	7	.	.	PUNCT
fsr-3540	111	1	january	january	PROPN
fsr-3540	111	2	2000	2000	NUM
fsr-3540	111	3	–	–	PUNCT
fsr-3540	111	4	february	february	PROPN
fsr-3540	111	5	2022	2022	NUM
fsr-3540	111	6	.	.	PUNCT
fsr-3540	112	1	source	source	NOUN
fsr-3540	112	2	:	:	PUNCT
fsr-3540	112	3	economic	economic	ADJ
fsr-3540	112	4	research	research	NOUN
fsr-3540	112	5	division	division	NOUN
fsr-3540	112	6	,	,	PUNCT
fsr-3540	112	7	federal	federal	PROPN
fsr-3540	112	8	reserve	reserve	PROPN
fsr-3540	112	9	bank	bank	PROPN
fsr-3540	112	10	of	of	ADP
fsr-3540	112	11	st	st	PROPN
fsr-3540	112	12	.	.	PROPN
fsr-3540	112	13	louis	louis	PROPN
fsr-3540	112	14	.	.	PUNCT
fsr-3540	113	1	c.	c.	PROPN
fsr-3540	113	2	mcclatchey	mcclatchey	PROPN
fsr-3540	113	3	/	/	SYM
fsr-3540	113	4	financial	financial	ADJ
fsr-3540	113	5	services	service	NOUN
fsr-3540	113	6	review	review	VERB
fsr-3540	113	7	31	31	NUM
fsr-3540	113	8	(	(	PUNCT
fsr-3540	113	9	2023	2023	NUM
fsr-3540	113	10	)	)	PUNCT
fsr-3540	113	11	197–209	197–209	NUM
fsr-3540	113	12	201	201	NUM
fsr-3540	113	13	rates	rate	NOUN
fsr-3540	113	14	.	.	PUNCT
fsr-3540	114	1	to	to	ADP
fsr-3540	114	2	this	this	DET
fsr-3540	114	3	end	end	NOUN
fsr-3540	114	4	,	,	PUNCT
fsr-3540	114	5	we	we	PRON
fsr-3540	114	6	explore	explore	VERB
fsr-3540	114	7	the	the	DET
fsr-3540	114	8	characteristics	characteristic	NOUN
fsr-3540	114	9	of	of	ADP
fsr-3540	114	10	recasting	recast	VERB
fsr-3540	114	11	to	to	PART
fsr-3540	114	12	identify	identify	VERB
fsr-3540	114	13	borrower	borrower	NOUN
fsr-3540	114	14	-	-	PUNCT
fsr-3540	114	15	specific	specific	ADJ
fsr-3540	114	16	instances	instance	NOUN
fsr-3540	114	17	where	where	SCONJ
fsr-3540	114	18	it	it	PRON
fsr-3540	114	19	may	may	AUX
fsr-3540	114	20	be	be	AUX
fsr-3540	114	21	a	a	DET
fsr-3540	114	22	homeowner	homeowner	NOUN
fsr-3540	114	23	’s	’s	PART
fsr-3540	114	24	optimal	optimal	ADJ
fsr-3540	114	25	decision	decision	NOUN
fsr-3540	114	26	.	.	PUNCT
fsr-3540	115	1	to	to	PART
fsr-3540	115	2	focus	focus	VERB
fsr-3540	115	3	attention	attention	NOUN
fsr-3540	115	4	on	on	ADP
fsr-3540	115	5	this	this	DET
fsr-3540	115	6	goal	goal	NOUN
fsr-3540	115	7	,	,	PUNCT
fsr-3540	115	8	we	we	PRON
fsr-3540	115	9	ignore	ignore	VERB
fsr-3540	115	10	tax	tax	NOUN
fsr-3540	115	11	implications	implication	NOUN
fsr-3540	115	12	,	,	PUNCT
fsr-3540	115	13	conversations	conversation	NOUN
fsr-3540	115	14	about	about	ADP
fsr-3540	115	15	the	the	DET
fsr-3540	115	16	efficient	efficient	ADJ
fsr-3540	115	17	use	use	NOUN
fsr-3540	115	18	of	of	ADP
fsr-3540	115	19	free	free	ADJ
fsr-3540	115	20	cash	cash	NOUN
fsr-3540	115	21	flow	flow	NOUN
fsr-3540	115	22	(	(	PUNCT
fsr-3540	115	23	e.g.	e.g.	ADV
fsr-3540	115	24	,	,	PUNCT
fsr-3540	115	25	paying	pay	VERB
fsr-3540	115	26	down	down	ADP
fsr-3540	115	27	credit	credit	NOUN
fsr-3540	115	28	card	card	NOUN
fsr-3540	115	29	debt	debt	NOUN
fsr-3540	115	30	,	,	PUNCT
fsr-3540	115	31	creating	create	VERB
fsr-3540	115	32	an	an	DET
fsr-3540	115	33	emergency	emergency	NOUN
fsr-3540	115	34	fund	fund	NOUN
fsr-3540	115	35	,	,	PUNCT
fsr-3540	115	36	or	or	CCONJ
fsr-3540	115	37	investing	invest	VERB
fsr-3540	115	38	in	in	ADP
fsr-3540	115	39	bonds	bond	NOUN
fsr-3540	115	40	/	/	SYM
fsr-3540	115	41	stocks	stock	NOUN
fsr-3540	115	42	)	)	PUNCT
fsr-3540	115	43	,	,	PUNCT
fsr-3540	115	44	and	and	CCONJ
fsr-3540	115	45	time	time	NOUN
fsr-3540	115	46	value	value	NOUN
fsr-3540	115	47	of	of	ADP
fsr-3540	115	48	money	money	NOUN
fsr-3540	115	49	concepts	concept	NOUN
fsr-3540	115	50	,	,	PUNCT
fsr-3540	115	51	although	although	SCONJ
fsr-3540	115	52	we	we	PRON
fsr-3540	115	53	note	note	VERB
fsr-3540	115	54	these	these	DET
fsr-3540	115	55	important	important	ADJ
fsr-3540	115	56	extensions	extension	NOUN
fsr-3540	115	57	would	would	AUX
fsr-3540	115	58	be	be	AUX
fsr-3540	115	59	ripe	ripe	ADJ
fsr-3540	115	60	for	for	ADP
fsr-3540	115	61	follow	follow	VERB
fsr-3540	115	62	-	-	PUNCT
fsr-3540	115	63	up	up	ADP
fsr-3540	115	64	research	research	NOUN
fsr-3540	115	65	and	and	CCONJ
fsr-3540	115	66	discussion	discussion	NOUN
fsr-3540	115	67	.	.	PUNCT
fsr-3540	116	1	3.1	3.1	NUM
fsr-3540	116	2	.	.	PUNCT
fsr-3540	117	1	the	the	DET
fsr-3540	117	2	mechanics	mechanic	NOUN
fsr-3540	117	3	of	of	ADP
fsr-3540	117	4	a	a	DET
fsr-3540	117	5	recast	recast	NOUN
fsr-3540	117	6	a	a	DET
fsr-3540	117	7	prerequisite	prerequisite	NOUN
fsr-3540	117	8	to	to	ADP
fsr-3540	117	9	a	a	DET
fsr-3540	117	10	recast	recast	NOUN
fsr-3540	117	11	is	be	AUX
fsr-3540	117	12	that	that	SCONJ
fsr-3540	117	13	the	the	DET
fsr-3540	117	14	borrower	borrower	NOUN
fsr-3540	117	15	has	have	AUX
fsr-3540	117	16	already	already	ADV
fsr-3540	117	17	paid	pay	VERB
fsr-3540	117	18	additional	additional	ADJ
fsr-3540	117	19	principal	principal	NOUN
fsr-3540	117	20	or	or	CCONJ
fsr-3540	117	21	currently	currently	ADV
fsr-3540	117	22	has	have	VERB
fsr-3540	117	23	a	a	DET
fsr-3540	117	24	lump	lump	NOUN
fsr-3540	117	25	sum	sum	NOUN
fsr-3540	117	26	available	available	ADJ
fsr-3540	117	27	to	to	PART
fsr-3540	117	28	do	do	VERB
fsr-3540	117	29	so	so	ADV
fsr-3540	117	30	.	.	PUNCT
fsr-3540	118	1	that	that	PRON
fsr-3540	118	2	is	is	ADV
fsr-3540	118	3	,	,	PUNCT
fsr-3540	118	4	the	the	DET
fsr-3540	118	5	loan	loan	NOUN
fsr-3540	118	6	balance	balance	NOUN
fsr-3540	118	7	must	must	AUX
fsr-3540	118	8	be	be	AUX
fsr-3540	118	9	lower	low	ADJ
fsr-3540	118	10	than	than	ADP
fsr-3540	118	11	the	the	DET
fsr-3540	118	12	balance	balance	NOUN
fsr-3540	118	13	calculated	calculate	VERB
fsr-3540	118	14	by	by	ADP
fsr-3540	118	15	the	the	DET
fsr-3540	118	16	original	original	ADJ
fsr-3540	118	17	amortization	amortization	NOUN
fsr-3540	118	18	schedule	schedule	NOUN
fsr-3540	118	19	.	.	PUNCT
fsr-3540	119	1	recasting	recast	VERB
fsr-3540	119	2	is	be	AUX
fsr-3540	119	3	like	like	ADP
fsr-3540	119	4	making	make	VERB
fsr-3540	119	5	additional	additional	ADJ
fsr-3540	119	6	principal	principal	ADJ
fsr-3540	119	7	payments	payment	NOUN
fsr-3540	119	8	in	in	ADP
fsr-3540	119	9	that	that	SCONJ
fsr-3540	119	10	neither	neither	DET
fsr-3540	119	11	option	option	NOUN
fsr-3540	119	12	requires	require	VERB
fsr-3540	119	13	a	a	DET
fsr-3540	119	14	new	new	ADJ
fsr-3540	119	15	mortgage	mortgage	NOUN
fsr-3540	119	16	brings	bring	VERB
fsr-3540	119	17	a	a	DET
fsr-3540	119	18	host	host	NOUN
fsr-3540	119	19	of	of	ADP
fsr-3540	119	20	expensive	expensive	ADJ
fsr-3540	119	21	closing	closing	NOUN
fsr-3540	119	22	costs	cost	NOUN
fsr-3540	119	23	and	and	CCONJ
fsr-3540	119	24	lender	lender	NOUN
fsr-3540	119	25	scrutiny	scrutiny	NOUN
fsr-3540	119	26	of	of	ADP
fsr-3540	119	27	the	the	DET
fsr-3540	119	28	borrower	borrower	NOUN
fsr-3540	119	29	’s	’s	PART
fsr-3540	119	30	current	current	ADJ
fsr-3540	119	31	financial	financial	ADJ
fsr-3540	119	32	condition	condition	NOUN
fsr-3540	119	33	(	(	PUNCT
fsr-3540	119	34	mclaughlin	mclaughlin	PROPN
fsr-3540	119	35	,	,	PUNCT
fsr-3540	119	36	2019	2019	NUM
fsr-3540	119	37	)	)	PUNCT
fsr-3540	119	38	.	.	PUNCT
fsr-3540	120	1	paying	pay	VERB
fsr-3540	120	2	additional	additional	ADJ
fsr-3540	120	3	principal	principal	NOUN
fsr-3540	120	4	incurs	incur	VERB
fsr-3540	120	5	no	no	DET
fsr-3540	120	6	cost	cost	NOUN
fsr-3540	120	7	(	(	PUNCT
fsr-3540	120	8	for	for	ADP
fsr-3540	120	9	most	most	ADJ
fsr-3540	120	10	lenders	lender	NOUN
fsr-3540	120	11	)	)	PUNCT
fsr-3540	120	12	,	,	PUNCT
fsr-3540	120	13	while	while	SCONJ
fsr-3540	120	14	a	a	DET
fsr-3540	120	15	recast	recast	NOUN
fsr-3540	120	16	does	do	AUX
fsr-3540	120	17	trigger	trigger	VERB
fsr-3540	120	18	a	a	DET
fsr-3540	120	19	nominal	nominal	ADJ
fsr-3540	120	20	lender	lender	NOUN
fsr-3540	120	21	fee	fee	NOUN
fsr-3540	120	22	(	(	PUNCT
fsr-3540	120	23	e.g.	e.g.	ADV
fsr-3540	120	24	,	,	PUNCT
fsr-3540	120	25	$	$	SYM
fsr-3540	120	26	150	150	NUM
fsr-3540	120	27	to	to	PART
fsr-3540	120	28	$	$	SYM
fsr-3540	120	29	400	400	NUM
fsr-3540	120	30	)	)	PUNCT
fsr-3540	120	31	.	.	PUNCT
fsr-3540	121	1	because	because	SCONJ
fsr-3540	121	2	a	a	DET
fsr-3540	121	3	recast	recast	NOUN
fsr-3540	121	4	fee	fee	NOUN
fsr-3540	121	5	is	be	AUX
fsr-3540	121	6	so	so	ADV
fsr-3540	121	7	small	small	ADJ
fsr-3540	121	8	,	,	PUNCT
fsr-3540	121	9	breakeven	breakeven	ADJ
fsr-3540	121	10	analysis	analysis	NOUN
fsr-3540	121	11	is	be	AUX
fsr-3540	121	12	moot	moot	ADJ
fsr-3540	121	13	.	.	PUNCT
fsr-3540	122	1	paying	pay	VERB
fsr-3540	122	2	additional	additional	ADJ
fsr-3540	122	3	principal	principal	NOUN
fsr-3540	122	4	shortens	shorten	VERB
fsr-3540	122	5	the	the	DET
fsr-3540	122	6	borrower	borrower	NOUN
fsr-3540	122	7	’s	’s	PART
fsr-3540	122	8	effective	effective	ADJ
fsr-3540	122	9	maturity	maturity	NOUN
fsr-3540	122	10	but	but	CCONJ
fsr-3540	122	11	has	have	VERB
fsr-3540	122	12	no	no	DET
fsr-3540	122	13	effect	effect	NOUN
fsr-3540	122	14	on	on	ADP
fsr-3540	122	15	the	the	DET
fsr-3540	122	16	mortgage	mortgage	NOUN
fsr-3540	122	17	’s	’s	PART
fsr-3540	122	18	monthly	monthly	ADJ
fsr-3540	122	19	minimum	minimum	ADJ
fsr-3540	122	20	payment	payment	NOUN
fsr-3540	122	21	.	.	PUNCT
fsr-3540	123	1	under	under	ADP
fsr-3540	123	2	a	a	DET
fsr-3540	123	3	recast	recast	NOUN
fsr-3540	123	4	,	,	PUNCT
fsr-3540	123	5	the	the	DET
fsr-3540	123	6	lender	lender	NOUN
fsr-3540	123	7	computes	compute	VERB
fsr-3540	123	8	a	a	DET
fsr-3540	123	9	new	new	ADJ
fsr-3540	123	10	payment	payment	NOUN
fsr-3540	123	11	using	use	VERB
fsr-3540	123	12	the	the	DET
fsr-3540	123	13	original	original	ADJ
fsr-3540	123	14	mortgage	mortgage	NOUN
fsr-3540	123	15	’s	’s	PART
fsr-3540	123	16	interest	interest	NOUN
fsr-3540	123	17	rate	rate	NOUN
fsr-3540	123	18	and	and	CCONJ
fsr-3540	123	19	remaining	remaining	ADJ
fsr-3540	123	20	term	term	NOUN
fsr-3540	123	21	,	,	PUNCT
fsr-3540	123	22	calculated	calculate	VERB
fsr-3540	123	23	on	on	ADP
fsr-3540	123	24	the	the	DET
fsr-3540	123	25	current	current	ADJ
fsr-3540	123	26	principal	principal	ADJ
fsr-3540	123	27	amount	amount	NOUN
fsr-3540	123	28	due	due	ADJ
fsr-3540	123	29	(	(	PUNCT
fsr-3540	123	30	hence	hence	ADV
fsr-3540	123	31	the	the	DET
fsr-3540	123	32	requirement	requirement	NOUN
fsr-3540	123	33	of	of	ADP
fsr-3540	123	34	a	a	DET
fsr-3540	123	35	past	past	NOUN
fsr-3540	123	36	or	or	CCONJ
fsr-3540	123	37	current	current	ADJ
fsr-3540	123	38	principal	principal	ADJ
fsr-3540	123	39	reduction	reduction	NOUN
fsr-3540	123	40	)	)	PUNCT
fsr-3540	123	41	.	.	PUNCT
fsr-3540	124	1	a	a	DET
fsr-3540	124	2	recast	recast	NOUN
fsr-3540	124	3	has	have	VERB
fsr-3540	124	4	no	no	DET
fsr-3540	124	5	effect	effect	NOUN
fsr-3540	124	6	on	on	ADP
fsr-3540	124	7	the	the	DET
fsr-3540	124	8	mortgage	mortgage	NOUN
fsr-3540	124	9	’s	’s	PART
fsr-3540	124	10	effective	effective	ADJ
fsr-3540	124	11	maturity	maturity	NOUN
fsr-3540	124	12	,	,	PUNCT
fsr-3540	124	13	rather	rather	ADV
fsr-3540	124	14	gains	gain	NOUN
fsr-3540	124	15	come	come	VERB
fsr-3540	124	16	immediately	immediately	ADV
fsr-3540	124	17	in	in	ADP
fsr-3540	124	18	the	the	DET
fsr-3540	124	19	form	form	NOUN
fsr-3540	124	20	of	of	ADP
fsr-3540	124	21	a	a	DET
fsr-3540	124	22	lower	low	ADJ
fsr-3540	124	23	minimum	minimum	ADJ
fsr-3540	124	24	monthly	monthly	ADJ
fsr-3540	124	25	payment	payment	NOUN
fsr-3540	124	26	.	.	PUNCT
fsr-3540	125	1	to	to	PART
fsr-3540	125	2	illustrate	illustrate	VERB
fsr-3540	125	3	,	,	PUNCT
fsr-3540	125	4	consider	consider	VERB
fsr-3540	125	5	a	a	DET
fsr-3540	125	6	30	30	NUM
fsr-3540	125	7	-	-	PUNCT
fsr-3540	125	8	year	year	NOUN
fsr-3540	125	9	(	(	PUNCT
fsr-3540	125	10	360	360	NUM
fsr-3540	125	11	-	-	PUNCT
fsr-3540	125	12	month	month	NOUN
fsr-3540	125	13	)	)	PUNCT
fsr-3540	125	14	,	,	PUNCT
fsr-3540	125	15	$	$	SYM
fsr-3540	125	16	200,000	200,000	NUM
fsr-3540	125	17	mortgage	mortgage	NOUN
fsr-3540	125	18	that	that	PRON
fsr-3540	125	19	carries	carry	VERB
fsr-3540	125	20	an	an	DET
fsr-3540	125	21	apr	apr	NOUN
fsr-3540	125	22	of	of	ADP
fsr-3540	125	23	4.99	4.99	NUM
fsr-3540	125	24	%	%	NOUN
fsr-3540	125	25	.	.	PUNCT
fsr-3540	126	1	the	the	DET
fsr-3540	126	2	monthly	monthly	ADJ
fsr-3540	126	3	principal	principal	NOUN
fsr-3540	126	4	and	and	CCONJ
fsr-3540	126	5	interest	interest	NOUN
fsr-3540	126	6	payment	payment	NOUN
fsr-3540	126	7	is	be	AUX
fsr-3540	126	8	$	$	SYM
fsr-3540	126	9	1072.42	1072.42	NUM
fsr-3540	126	10	.	.	PUNCT
fsr-3540	127	1	one	one	NUM
fsr-3540	127	2	year	year	NOUN
fsr-3540	127	3	after	after	ADP
fsr-3540	127	4	closing	closing	NOUN
fsr-3540	127	5	,	,	PUNCT
fsr-3540	127	6	the	the	DET
fsr-3540	127	7	homeowner	homeowner	NOUN
fsr-3540	127	8	receives	receive	VERB
fsr-3540	127	9	a	a	DET
fsr-3540	127	10	$	$	SYM
fsr-3540	127	11	40,000	40,000	NUM
fsr-3540	127	12	windfall	windfall	NOUN
fsr-3540	127	13	.	.	PUNCT
fsr-3540	128	1	table	table	NOUN
fsr-3540	128	2	2	2	NUM
fsr-3540	128	3	provides	provide	VERB
fsr-3540	128	4	selected	select	VERB
fsr-3540	128	5	entries	entry	NOUN
fsr-3540	128	6	of	of	ADP
fsr-3540	128	7	the	the	DET
fsr-3540	128	8	mortgage	mortgage	NOUN
fsr-3540	128	9	’s	’s	PART
fsr-3540	128	10	amortization	amortization	NOUN
fsr-3540	128	11	schedule	schedule	NOUN
fsr-3540	128	12	for	for	ADP
fsr-3540	128	13	alt-2	alt-2	PUNCT
fsr-3540	128	14	and	and	CCONJ
fsr-3540	128	15	alt-3	alt-3	NOUN
fsr-3540	128	16	.	.	PUNCT
fsr-3540	129	1	in	in	ADP
fsr-3540	129	2	the	the	DET
fsr-3540	129	3	first	first	ADJ
fsr-3540	129	4	panel	panel	NOUN
fsr-3540	129	5	,	,	PUNCT
fsr-3540	129	6	the	the	DET
fsr-3540	129	7	borrower	borrower	NOUN
fsr-3540	129	8	pays	pay	VERB
fsr-3540	129	9	the	the	DET
fsr-3540	129	10	$	$	SYM
fsr-3540	129	11	40,000	40,000	NUM
fsr-3540	129	12	as	as	ADP
fsr-3540	129	13	an	an	DET
fsr-3540	129	14	additional	additional	ADJ
fsr-3540	129	15	principal	principal	NOUN
fsr-3540	129	16	.	.	PUNCT
fsr-3540	130	1	there	there	PRON
fsr-3540	130	2	is	be	VERB
fsr-3540	130	3	no	no	DET
fsr-3540	130	4	change	change	NOUN
fsr-3540	130	5	in	in	ADP
fsr-3540	130	6	subsequent	subsequent	ADJ
fsr-3540	130	7	monthly	monthly	ADJ
fsr-3540	130	8	payments	payment	NOUN
fsr-3540	130	9	and	and	CCONJ
fsr-3540	130	10	the	the	DET
fsr-3540	130	11	mortgage	mortgage	NOUN
fsr-3540	130	12	will	will	AUX
fsr-3540	130	13	be	be	AUX
fsr-3540	130	14	repaid	repay	VERB
fsr-3540	130	15	early	early	ADV
fsr-3540	130	16	,	,	PUNCT
fsr-3540	130	17	between	between	ADP
fsr-3540	130	18	months	month	NOUN
fsr-3540	130	19	238	238	NUM
fsr-3540	130	20	-	-	SYM
fsr-3540	130	21	239	239	NUM
fsr-3540	130	22	.	.	PUNCT
fsr-3540	131	1	in	in	ADP
fsr-3540	131	2	the	the	DET
fsr-3540	131	3	right	right	ADJ
fsr-3540	131	4	panel	panel	NOUN
fsr-3540	131	5	,	,	PUNCT
fsr-3540	131	6	the	the	DET
fsr-3540	131	7	borrower	borrower	NOUN
fsr-3540	131	8	executes	execute	VERB
fsr-3540	131	9	a	a	DET
fsr-3540	131	10	recast	recast	NOUN
fsr-3540	131	11	.	.	PUNCT
fsr-3540	132	1	we	we	PRON
fsr-3540	132	2	see	see	VERB
fsr-3540	132	3	an	an	DET
fsr-3540	132	4	identical	identical	ADJ
fsr-3540	132	5	drop	drop	NOUN
fsr-3540	132	6	in	in	ADP
fsr-3540	132	7	the	the	DET
fsr-3540	132	8	loan	loan	NOUN
fsr-3540	132	9	’s	’s	PART
fsr-3540	132	10	beginning	begin	VERB
fsr-3540	132	11	balance	balance	NOUN
fsr-3540	132	12	at	at	ADP
fsr-3540	132	13	month	month	NOUN
fsr-3540	132	14	13	13	NUM
fsr-3540	132	15	,	,	PUNCT
fsr-3540	132	16	but	but	CCONJ
fsr-3540	132	17	the	the	DET
fsr-3540	132	18	required	require	VERB
fsr-3540	132	19	monthly	monthly	ADJ
fsr-3540	132	20	payment	payment	NOUN
fsr-3540	132	21	falls	fall	VERB
fsr-3540	132	22	from	from	ADP
fsr-3540	132	23	$	$	SYM
fsr-3540	132	24	1072	1072	NUM
fsr-3540	132	25	to	to	ADP
fsr-3540	132	26	$	$	SYM
fsr-3540	132	27	855	855	NUM
fsr-3540	132	28	(	(	PUNCT
fsr-3540	132	29	recomputed	recompute	VERB
fsr-3540	132	30	over	over	ADP
fsr-3540	132	31	the	the	DET
fsr-3540	132	32	mortgage	mortgage	NOUN
fsr-3540	132	33	’s	’s	PART
fsr-3540	132	34	remaining	remain	VERB
fsr-3540	132	35	348month	348month	PROPN
fsr-3540	132	36	life	life	NOUN
fsr-3540	132	37	at	at	ADP
fsr-3540	132	38	the	the	DET
fsr-3540	132	39	original	original	ADJ
fsr-3540	132	40	apr	apr	NOUN
fsr-3540	132	41	of	of	ADP
fsr-3540	132	42	4.99	4.99	NUM
fsr-3540	132	43	%	%	NOUN
fsr-3540	132	44	)	)	PUNCT
fsr-3540	132	45	.	.	PUNCT
fsr-3540	133	1	under	under	ADP
fsr-3540	133	2	the	the	DET
fsr-3540	133	3	recast	recast	NOUN
fsr-3540	133	4	,	,	PUNCT
fsr-3540	133	5	the	the	DET
fsr-3540	133	6	mortgage	mortgage	NOUN
fsr-3540	133	7	will	will	AUX
fsr-3540	133	8	remain	remain	VERB
fsr-3540	133	9	outstanding	outstanding	ADJ
fsr-3540	133	10	for	for	ADP
fsr-3540	133	11	the	the	DET
fsr-3540	133	12	full	full	ADJ
fsr-3540	133	13	360	360	NUM
fsr-3540	133	14	-	-	PUNCT
fsr-3540	133	15	month	month	NOUN
fsr-3540	133	16	original	original	ADJ
fsr-3540	133	17	maturity	maturity	NOUN
fsr-3540	133	18	.	.	PUNCT
fsr-3540	134	1	3.2	3.2	NUM
fsr-3540	134	2	.	.	PUNCT
fsr-3540	135	1	eligible	eligible	ADJ
fsr-3540	135	2	mortgage	mortgage	NOUN
fsr-3540	135	3	types	type	NOUN
fsr-3540	135	4	mortgages	mortgage	NOUN
fsr-3540	135	5	can	can	AUX
fsr-3540	135	6	broadly	broadly	ADV
fsr-3540	135	7	be	be	AUX
fsr-3540	135	8	classified	classify	VERB
fsr-3540	135	9	as	as	ADP
fsr-3540	135	10	either	either	CCONJ
fsr-3540	135	11	conventional	conventional	ADJ
fsr-3540	135	12	or	or	CCONJ
fsr-3540	135	13	government	government	NOUN
fsr-3540	135	14	-	-	PUNCT
fsr-3540	135	15	insured	insure	VERB
fsr-3540	135	16	.	.	PUNCT
fsr-3540	136	1	conventional	conventional	ADJ
fsr-3540	136	2	mortgages	mortgage	NOUN
fsr-3540	136	3	generally	generally	ADV
fsr-3540	136	4	have	have	VERB
fsr-3540	136	5	a	a	DET
fsr-3540	136	6	higher	high	ADJ
fsr-3540	136	7	minimum	minimum	NOUN
fsr-3540	136	8	down	down	ADP
fsr-3540	136	9	payment	payment	NOUN
fsr-3540	136	10	,	,	PUNCT
fsr-3540	136	11	or	or	CCONJ
fsr-3540	136	12	lower	low	ADJ
fsr-3540	136	13	loan	loan	NOUN
fsr-3540	136	14	-	-	PUNCT
fsr-3540	136	15	tovalue	tovalue	NOUN
fsr-3540	136	16	(	(	PUNCT
fsr-3540	136	17	ltv	ltv	PROPN
fsr-3540	136	18	)	)	PUNCT
fsr-3540	136	19	ratio	ratio	NOUN
fsr-3540	136	20	,	,	PUNCT
fsr-3540	136	21	and	and	CCONJ
fsr-3540	136	22	higher	high	ADJ
fsr-3540	136	23	credit	credit	NOUN
fsr-3540	136	24	requirements	requirement	NOUN
fsr-3540	136	25	compared	compare	VERB
fsr-3540	136	26	to	to	ADP
fsr-3540	136	27	a	a	DET
fsr-3540	136	28	government	government	NOUN
fsr-3540	136	29	-	-	PUNCT
fsr-3540	136	30	insured	insure	VERB
fsr-3540	136	31	loan	loan	NOUN
fsr-3540	136	32	.	.	PUNCT
fsr-3540	137	1	conventional	conventional	ADJ
fsr-3540	137	2	mortgages	mortgage	NOUN
fsr-3540	137	3	can	can	AUX
fsr-3540	137	4	be	be	AUX
fsr-3540	137	5	conforming	conform	VERB
fsr-3540	137	6	or	or	CCONJ
fsr-3540	137	7	nonconforming	nonconforming	NOUN
fsr-3540	137	8	.	.	PUNCT
fsr-3540	138	1	conforming	conform	VERB
fsr-3540	138	2	mortgages	mortgage	NOUN
fsr-3540	138	3	meet	meet	VERB
fsr-3540	138	4	fannie	fannie	PROPN
fsr-3540	138	5	and	and	CCONJ
fsr-3540	138	6	freddie	freddie	PROPN
fsr-3540	138	7	purchase	purchase	NOUN
fsr-3540	138	8	guidelines	guideline	NOUN
fsr-3540	138	9	regarding	regard	VERB
fsr-3540	138	10	the	the	DET
fsr-3540	138	11	amount	amount	NOUN
fsr-3540	138	12	,	,	PUNCT
fsr-3540	138	13	credit	credit	NOUN
fsr-3540	138	14	and	and	CCONJ
fsr-3540	138	15	income	income	NOUN
fsr-3540	138	16	requirements	requirement	NOUN
fsr-3540	138	17	,	,	PUNCT
fsr-3540	138	18	down	down	ADP
fsr-3540	138	19	payment	payment	NOUN
fsr-3540	138	20	,	,	PUNCT
fsr-3540	138	21	credit	credit	NOUN
fsr-3540	138	22	score	score	NOUN
fsr-3540	138	23	,	,	PUNCT
fsr-3540	138	24	and	and	CCONJ
fsr-3540	138	25	suitable	suitable	ADJ
fsr-3540	138	26	property	property	NOUN
fsr-3540	138	27	guidelines	guideline	NOUN
fsr-3540	138	28	set	set	VERB
fsr-3540	138	29	by	by	ADP
fsr-3540	138	30	these	these	DET
fsr-3540	138	31	governmentsponsored	governmentsponsore	VERB
fsr-3540	138	32	enterprises	enterprise	NOUN
fsr-3540	138	33	(	(	PUNCT
fsr-3540	138	34	gses	gse	NOUN
fsr-3540	138	35	)	)	PUNCT
fsr-3540	138	36	for	for	ADP
fsr-3540	138	37	the	the	DET
fsr-3540	138	38	purchase	purchase	NOUN
fsr-3540	138	39	and	and	CCONJ
fsr-3540	138	40	subsequent	subsequent	ADJ
fsr-3540	138	41	repackaging	repackage	VERB
fsr-3540	138	42	into	into	ADP
fsr-3540	138	43	a	a	DET
fsr-3540	138	44	mortgage202	mortgage202	PROPN
fsr-3540	138	45	c.	c.	PROPN
fsr-3540	138	46	mcclatchey	mcclatchey	PROPN
fsr-3540	138	47	/	/	SYM
fsr-3540	138	48	financial	financial	ADJ
fsr-3540	138	49	services	service	NOUN
fsr-3540	138	50	review	review	VERB
fsr-3540	138	51	31	31	NUM
fsr-3540	138	52	(	(	PUNCT
fsr-3540	138	53	2023	2023	NUM
fsr-3540	138	54	)	)	PUNCT
fsr-3540	139	1	197–209	197–209	NUM
fsr-3540	139	2	t	t	PROPN
fsr-3540	139	3	ab	ab	X
fsr-3540	139	4	le	le	X
fsr-3540	139	5	2	2	NUM
fsr-3540	139	6	r	r	NOUN
fsr-3540	139	7	ec	ec	PROPN
fsr-3540	139	8	as	as	ADP
fsr-3540	139	9	t	t	PROPN
fsr-3540	139	10	v	v	INTJ
fsr-3540	139	11	er	er	INTJ
fsr-3540	139	12	su	su	PROPN
fsr-3540	139	13	s	s	PROPN
fsr-3540	139	14	p	p	X
fsr-3540	139	15	ay	ay	NOUN
fsr-3540	139	16	in	in	ADP
fsr-3540	139	17	g	g	NOUN
fsr-3540	139	18	ad	ad	NOUN
fsr-3540	140	1	d	d	X
fsr-3540	140	2	it	it	PRON
fsr-3540	140	3	io	io	PROPN
fsr-3540	141	1	n	n	PROPN
fsr-3540	141	2	al	al	PROPN
fsr-3540	141	3	p	p	PROPN
fsr-3540	141	4	ri	ri	PROPN
fsr-3540	142	1	n	n	CCONJ
fsr-3540	142	2	ci	ci	PROPN
fsr-3540	142	3	p	p	PROPN
fsr-3540	142	4	al	al	PROPN
fsr-3540	142	5	p	p	PROPN
fsr-3540	142	6	ay	ay	X
fsr-3540	142	7	ad	ad	NOUN
fsr-3540	143	1	d	d	X
fsr-3540	143	2	it	it	PRON
fsr-3540	143	3	io	io	PROPN
fsr-3540	143	4	n	n	PROPN
fsr-3540	143	5	al	al	PROPN
fsr-3540	143	6	p	p	PROPN
fsr-3540	143	7	ri	ri	PROPN
fsr-3540	143	8	n	n	CCONJ
fsr-3540	143	9	ci	ci	PROPN
fsr-3540	143	10	p	p	PROPN
fsr-3540	143	11	al	al	PROPN
fsr-3540	143	12	r	r	PROPN
fsr-3540	143	13	ec	ec	PROPN
fsr-3540	143	14	as	as	ADP
fsr-3540	143	15	t	t	PROPN
fsr-3540	143	16	m	m	VERB
fsr-3540	143	17	o	o	NOUN
fsr-3540	143	18	n	n	ADV
fsr-3540	143	19	th	th	X
fsr-3540	143	20	b	b	PROPN
fsr-3540	143	21	eg	eg	NOUN
fsr-3540	143	22	in	in	ADP
fsr-3540	143	23	n	n	PROPN
fsr-3540	143	24	in	in	ADP
fsr-3540	143	25	g	g	PROPN
fsr-3540	143	26	b	b	PROPN
fsr-3540	143	27	al	al	PROPN
fsr-3540	143	28	an	an	PROPN
fsr-3540	143	29	ce	ce	PROPN
fsr-3540	143	30	p	p	X
fsr-3540	143	31	ay	ay	PROPN
fsr-3540	143	32	m	m	PROPN
fsr-3540	143	33	en	en	ADP
fsr-3540	143	34	t	t	PROPN
fsr-3540	143	35	in	in	ADP
fsr-3540	143	36	te	te	PROPN
fsr-3540	143	37	re	re	PROPN
fsr-3540	143	38	st	st	PROPN
fsr-3540	143	39	p	p	PROPN
fsr-3540	143	40	ri	ri	PROPN
fsr-3540	143	41	n	n	CCONJ
fsr-3540	143	42	ci	ci	PROPN
fsr-3540	143	43	p	p	PROPN
fsr-3540	143	44	al	al	PROPN
fsr-3540	143	45	e	e	PROPN
fsr-3540	143	46	n	n	PROPN
fsr-3540	143	47	d	d	PROPN
fsr-3540	143	48	in	in	ADP
fsr-3540	143	49	g	g	PROPN
fsr-3540	143	50	b	b	PROPN
fsr-3540	143	51	al	al	PROPN
fsr-3540	143	52	an	an	PROPN
fsr-3540	143	53	ce	ce	PROPN
fsr-3540	143	54	m	m	PROPN
fsr-3540	143	55	o	o	NOUN
fsr-3540	143	56	n	n	X
fsr-3540	143	57	th	th	X
fsr-3540	143	58	b	b	PROPN
fsr-3540	143	59	eg	eg	NOUN
fsr-3540	143	60	in	in	ADP
fsr-3540	143	61	n	n	PROPN
fsr-3540	143	62	in	in	ADP
fsr-3540	143	63	g	g	PROPN
fsr-3540	143	64	b	b	PROPN
fsr-3540	143	65	al	al	PROPN
fsr-3540	143	66	an	an	PROPN
fsr-3540	143	67	ce	ce	PROPN
fsr-3540	143	68	p	p	X
fsr-3540	143	69	ay	ay	PROPN
fsr-3540	143	70	m	m	PROPN
fsr-3540	143	71	en	en	ADP
fsr-3540	143	72	t	t	PROPN
fsr-3540	143	73	in	in	ADP
fsr-3540	143	74	te	te	PROPN
fsr-3540	143	75	re	re	PROPN
fsr-3540	143	76	st	st	PROPN
fsr-3540	143	77	p	p	PROPN
fsr-3540	143	78	ri	ri	PROPN
fsr-3540	143	79	n	n	CCONJ
fsr-3540	143	80	ci	ci	PROPN
fsr-3540	143	81	p	p	PROPN
fsr-3540	143	82	al	al	PROPN
fsr-3540	143	83	e	e	PROPN
fsr-3540	143	84	n	n	PROPN
fsr-3540	143	85	d	d	PROPN
fsr-3540	143	86	in	in	ADP
fsr-3540	143	87	g	g	PROPN
fsr-3540	143	88	b	b	PROPN
fsr-3540	143	89	al	al	PROPN
fsr-3540	143	90	an	an	PROPN
fsr-3540	143	91	ce	ce	PROPN
fsr-3540	143	92	1	1	NUM
fsr-3540	143	93	$	$	SYM
fsr-3540	143	94	2	2	NUM
fsr-3540	143	95	0	0	NUM
fsr-3540	143	96	0	0	NUM
fsr-3540	143	97	,	,	PUNCT
fsr-3540	143	98	0	0	NUM
fsr-3540	143	99	0	0	NUM
fsr-3540	143	100	0	0	NUM
fsr-3540	143	101	$	$	SYM
fsr-3540	143	102	1	1	NUM
fsr-3540	143	103	,	,	PUNCT
fsr-3540	143	104	0	0	NUM
fsr-3540	143	105	7	7	NUM
fsr-3540	143	106	2	2	NUM
fsr-3540	143	107	.4	.4	NUM
fsr-3540	143	108	2	2	NUM
fsr-3540	143	109	$	$	SYM
fsr-3540	143	110	8	8	NUM
fsr-3540	143	111	3	3	NUM
fsr-3540	143	112	1	1	NUM
fsr-3540	143	113	.6	.6	NUM
fsr-3540	143	114	7	7	NUM
fsr-3540	143	115	$	$	SYM
fsr-3540	143	116	2	2	NUM
fsr-3540	143	117	4	4	NUM
fsr-3540	143	118	0	0	NUM
fsr-3540	143	119	.7	.7	NUM
fsr-3540	143	120	5	5	NUM
fsr-3540	143	121	$	$	SYM
fsr-3540	143	122	1	1	NUM
fsr-3540	143	123	9	9	NUM
fsr-3540	143	124	9	9	NUM
fsr-3540	143	125	,	,	PUNCT
fsr-3540	143	126	7	7	NUM
fsr-3540	143	127	5	5	NUM
fsr-3540	143	128	9	9	NUM
fsr-3540	143	129	1	1	NUM
fsr-3540	143	130	$	$	SYM
fsr-3540	143	131	2	2	NUM
fsr-3540	143	132	0	0	NUM
fsr-3540	143	133	0	0	NUM
fsr-3540	143	134	,	,	PUNCT
fsr-3540	143	135	0	0	NUM
fsr-3540	143	136	0	0	NUM
fsr-3540	143	137	0	0	NUM
fsr-3540	143	138	$	$	SYM
fsr-3540	143	139	1	1	NUM
fsr-3540	143	140	,	,	PUNCT
fsr-3540	143	141	0	0	NUM
fsr-3540	143	142	7	7	NUM
fsr-3540	143	143	2	2	NUM
fsr-3540	143	144	.4	.4	NUM
fsr-3540	143	145	2	2	NUM
fsr-3540	143	146	$	$	SYM
fsr-3540	143	147	8	8	NUM
fsr-3540	143	148	31	31	NUM
fsr-3540	143	149	.6	.6	NUM
fsr-3540	143	150	7	7	NUM
fsr-3540	143	151	$	$	SYM
fsr-3540	143	152	2	2	NUM
fsr-3540	143	153	4	4	NUM
fsr-3540	143	154	0	0	NUM
fsr-3540	143	155	.7	.7	NUM
fsr-3540	143	156	5	5	NUM
fsr-3540	143	157	$	$	SYM
fsr-3540	143	158	1	1	NUM
fsr-3540	143	159	9	9	NUM
fsr-3540	143	160	9	9	NUM
fsr-3540	143	161	,	,	PUNCT
fsr-3540	143	162	7	7	NUM
fsr-3540	143	163	5	5	NUM
fsr-3540	143	164	9	9	NUM
fsr-3540	143	165	2	2	NUM
fsr-3540	143	166	$	$	SYM
fsr-3540	143	167	1	1	NUM
fsr-3540	143	168	9	9	NUM
fsr-3540	143	169	9	9	NUM
fsr-3540	143	170	,	,	PUNCT
fsr-3540	143	171	7	7	NUM
fsr-3540	143	172	5	5	NUM
fsr-3540	143	173	9	9	NUM
fsr-3540	143	174	$	$	SYM
fsr-3540	143	175	1	1	NUM
fsr-3540	143	176	,	,	PUNCT
fsr-3540	143	177	0	0	NUM
fsr-3540	143	178	7	7	NUM
fsr-3540	143	179	2	2	NUM
fsr-3540	143	180	.4	.4	NUM
fsr-3540	143	181	2	2	NUM
fsr-3540	143	182	$	$	SYM
fsr-3540	143	183	8	8	NUM
fsr-3540	143	184	3	3	NUM
fsr-3540	143	185	0	0	NUM
fsr-3540	143	186	.6	.6	NUM
fsr-3540	143	187	7	7	NUM
fsr-3540	143	188	$	$	SYM
fsr-3540	143	189	2	2	NUM
fsr-3540	143	190	4	4	NUM
fsr-3540	143	191	1	1	NUM
fsr-3540	143	192	.7	.7	NUM
fsr-3540	143	193	6	6	NUM
fsr-3540	143	194	$	$	SYM
fsr-3540	143	195	1	1	NUM
fsr-3540	143	196	9	9	NUM
fsr-3540	143	197	9	9	NUM
fsr-3540	143	198	,	,	PUNCT
fsr-3540	143	199	5	5	NUM
fsr-3540	143	200	1	1	NUM
fsr-3540	143	201	7	7	NUM
fsr-3540	143	202	2	2	NUM
fsr-3540	143	203	$	$	SYM
fsr-3540	143	204	1	1	NUM
fsr-3540	143	205	9	9	NUM
fsr-3540	143	206	9	9	NUM
fsr-3540	143	207	,	,	PUNCT
fsr-3540	143	208	7	7	NUM
fsr-3540	143	209	5	5	NUM
fsr-3540	143	210	9	9	NUM
fsr-3540	143	211	$	$	SYM
fsr-3540	143	212	1	1	NUM
fsr-3540	143	213	,	,	PUNCT
fsr-3540	143	214	0	0	NUM
fsr-3540	143	215	7	7	NUM
fsr-3540	143	216	2	2	NUM
fsr-3540	143	217	.4	.4	NUM
fsr-3540	143	218	2	2	NUM
fsr-3540	143	219	$	$	SYM
fsr-3540	143	220	8	8	NUM
fsr-3540	143	221	30	30	NUM
fsr-3540	143	222	.6	.6	NUM
fsr-3540	143	223	7	7	NUM
fsr-3540	143	224	$	$	SYM
fsr-3540	143	225	2	2	NUM
fsr-3540	143	226	4	4	NUM
fsr-3540	143	227	1	1	NUM
fsr-3540	143	228	.7	.7	NUM
fsr-3540	143	229	6	6	NUM
fsr-3540	143	230	$	$	SYM
fsr-3540	143	231	1	1	NUM
fsr-3540	143	232	9	9	NUM
fsr-3540	143	233	9	9	NUM
fsr-3540	143	234	,	,	PUNCT
fsr-3540	143	235	5	5	NUM
fsr-3540	143	236	1	1	NUM
fsr-3540	143	237	7	7	NUM
fsr-3540	143	238	3	3	NUM
fsr-3540	143	239	$	$	SYM
fsr-3540	143	240	1	1	NUM
fsr-3540	143	241	9	9	NUM
fsr-3540	143	242	9	9	NUM
fsr-3540	143	243	,	,	PUNCT
fsr-3540	143	244	5	5	NUM
fsr-3540	143	245	1	1	NUM
fsr-3540	143	246	7	7	NUM
fsr-3540	143	247	$	$	SYM
fsr-3540	143	248	1	1	NUM
fsr-3540	143	249	,	,	PUNCT
fsr-3540	143	250	0	0	NUM
fsr-3540	143	251	7	7	NUM
fsr-3540	143	252	2	2	NUM
fsr-3540	143	253	.4	.4	NUM
fsr-3540	143	254	2	2	NUM
fsr-3540	143	255	$	$	SYM
fsr-3540	143	256	8	8	NUM
fsr-3540	143	257	2	2	NUM
fsr-3540	143	258	9	9	NUM
fsr-3540	143	259	.6	.6	NUM
fsr-3540	143	260	6	6	NUM
fsr-3540	143	261	$	$	SYM
fsr-3540	143	262	2	2	NUM
fsr-3540	143	263	4	4	NUM
fsr-3540	143	264	2	2	NUM
fsr-3540	143	265	.7	.7	NUM
fsr-3540	143	266	6	6	NUM
fsr-3540	143	267	$	$	SYM
fsr-3540	143	268	1	1	NUM
fsr-3540	143	269	9	9	NUM
fsr-3540	143	270	9	9	NUM
fsr-3540	143	271	,	,	PUNCT
fsr-3540	143	272	2	2	NUM
fsr-3540	143	273	7	7	NUM
fsr-3540	143	274	5	5	NUM
fsr-3540	143	275	3	3	NUM
fsr-3540	143	276	$	$	SYM
fsr-3540	143	277	1	1	NUM
fsr-3540	143	278	9	9	NUM
fsr-3540	143	279	9	9	NUM
fsr-3540	143	280	,	,	PUNCT
fsr-3540	143	281	5	5	NUM
fsr-3540	143	282	1	1	NUM
fsr-3540	143	283	7	7	NUM
fsr-3540	143	284	$	$	SYM
fsr-3540	143	285	1	1	NUM
fsr-3540	143	286	,	,	PUNCT
fsr-3540	143	287	0	0	NUM
fsr-3540	143	288	7	7	NUM
fsr-3540	143	289	2	2	NUM
fsr-3540	143	290	.4	.4	NUM
fsr-3540	143	291	2	2	NUM
fsr-3540	143	292	$	$	SYM
fsr-3540	143	293	8	8	NUM
fsr-3540	143	294	29	29	NUM
fsr-3540	143	295	.6	.6	NUM
fsr-3540	143	296	6	6	NUM
fsr-3540	143	297	$	$	SYM
fsr-3540	143	298	2	2	NUM
fsr-3540	143	299	4	4	NUM
fsr-3540	143	300	2	2	NUM
fsr-3540	143	301	.7	.7	NUM
fsr-3540	143	302	6	6	NUM
fsr-3540	143	303	$	$	SYM
fsr-3540	143	304	1	1	NUM
fsr-3540	143	305	9	9	NUM
fsr-3540	143	306	9	9	NUM
fsr-3540	143	307	,	,	PUNCT
fsr-3540	143	308	2	2	NUM
fsr-3540	143	309	7	7	NUM
fsr-3540	143	310	5	5	NUM
fsr-3540	143	311	4	4	NUM
fsr-3540	143	312	$	$	SYM
fsr-3540	143	313	1	1	NUM
fsr-3540	143	314	9	9	NUM
fsr-3540	143	315	9	9	NUM
fsr-3540	143	316	,	,	PUNCT
fsr-3540	143	317	2	2	NUM
fsr-3540	143	318	7	7	NUM
fsr-3540	143	319	5	5	NUM
fsr-3540	143	320	$	$	SYM
fsr-3540	143	321	1	1	NUM
fsr-3540	143	322	,	,	PUNCT
fsr-3540	143	323	0	0	NUM
fsr-3540	143	324	7	7	NUM
fsr-3540	143	325	2	2	NUM
fsr-3540	143	326	.4	.4	NUM
fsr-3540	143	327	2	2	NUM
fsr-3540	143	328	$	$	SYM
fsr-3540	143	329	8	8	NUM
fsr-3540	143	330	2	2	NUM
fsr-3540	143	331	8	8	NUM
fsr-3540	143	332	.6	.6	NUM
fsr-3540	143	333	5	5	NUM
fsr-3540	143	334	$	$	SYM
fsr-3540	143	335	2	2	NUM
fsr-3540	143	336	4	4	NUM
fsr-3540	143	337	3	3	NUM
fsr-3540	143	338	.7	.7	NUM
fsr-3540	143	339	7	7	NUM
fsr-3540	143	340	$	$	SYM
fsr-3540	143	341	1	1	NUM
fsr-3540	143	342	9	9	NUM
fsr-3540	143	343	9	9	NUM
fsr-3540	143	344	,	,	PUNCT
fsr-3540	143	345	0	0	NUM
fsr-3540	143	346	3	3	NUM
fsr-3540	143	347	1	1	NUM
fsr-3540	143	348	4	4	NUM
fsr-3540	143	349	$	$	SYM
fsr-3540	143	350	1	1	NUM
fsr-3540	143	351	9	9	NUM
fsr-3540	143	352	9	9	NUM
fsr-3540	143	353	,	,	PUNCT
fsr-3540	143	354	2	2	NUM
fsr-3540	143	355	7	7	NUM
fsr-3540	143	356	5	5	NUM
fsr-3540	143	357	$	$	SYM
fsr-3540	143	358	1	1	NUM
fsr-3540	143	359	,	,	PUNCT
fsr-3540	143	360	0	0	NUM
fsr-3540	143	361	7	7	NUM
fsr-3540	143	362	2	2	NUM
fsr-3540	143	363	.4	.4	NUM
fsr-3540	143	364	2	2	NUM
fsr-3540	143	365	$	$	SYM
fsr-3540	143	366	8	8	NUM
fsr-3540	143	367	28	28	NUM
fsr-3540	143	368	.6	.6	NUM
fsr-3540	143	369	5	5	NUM
fsr-3540	143	370	$	$	SYM
fsr-3540	143	371	2	2	NUM
fsr-3540	143	372	4	4	NUM
fsr-3540	143	373	3	3	NUM
fsr-3540	143	374	.7	.7	NUM
fsr-3540	143	375	7	7	NUM
fsr-3540	143	376	$	$	SYM
fsr-3540	143	377	1	1	NUM
fsr-3540	143	378	9	9	NUM
fsr-3540	143	379	9	9	NUM
fsr-3540	143	380	,	,	PUNCT
fsr-3540	143	381	0	0	NUM
fsr-3540	143	382	3	3	NUM
fsr-3540	143	383	1	1	NUM
fsr-3540	143	384	5	5	NUM
fsr-3540	143	385	$	$	SYM
fsr-3540	143	386	1	1	NUM
fsr-3540	143	387	9	9	NUM
fsr-3540	143	388	9	9	NUM
fsr-3540	143	389	,	,	PUNCT
fsr-3540	143	390	0	0	NUM
fsr-3540	143	391	3	3	NUM
fsr-3540	143	392	1	1	NUM
fsr-3540	143	393	$	$	SYM
fsr-3540	143	394	1	1	NUM
fsr-3540	143	395	,	,	PUNCT
fsr-3540	143	396	0	0	NUM
fsr-3540	143	397	7	7	NUM
fsr-3540	143	398	2	2	NUM
fsr-3540	143	399	.4	.4	NUM
fsr-3540	143	400	2	2	NUM
fsr-3540	143	401	$	$	SYM
fsr-3540	143	402	8	8	NUM
fsr-3540	143	403	2	2	NUM
fsr-3540	143	404	7	7	NUM
fsr-3540	143	405	.6	.6	NUM
fsr-3540	143	406	4	4	NUM
fsr-3540	143	407	$	$	SYM
fsr-3540	143	408	2	2	NUM
fsr-3540	143	409	4	4	NUM
fsr-3540	143	410	4	4	NUM
fsr-3540	143	411	.7	.7	NUM
fsr-3540	143	412	8	8	NUM
fsr-3540	143	413	$	$	SYM
fsr-3540	143	414	1	1	NUM
fsr-3540	143	415	9	9	NUM
fsr-3540	143	416	8	8	NUM
fsr-3540	143	417	,	,	PUNCT
fsr-3540	143	418	7	7	NUM
fsr-3540	143	419	8	8	NUM
fsr-3540	143	420	6	6	NUM
fsr-3540	143	421	5	5	NUM
fsr-3540	143	422	$	$	SYM
fsr-3540	143	423	1	1	NUM
fsr-3540	143	424	9	9	NUM
fsr-3540	143	425	9	9	NUM
fsr-3540	143	426	,	,	PUNCT
fsr-3540	143	427	0	0	NUM
fsr-3540	143	428	3	3	NUM
fsr-3540	143	429	1	1	NUM
fsr-3540	143	430	$	$	SYM
fsr-3540	143	431	1	1	NUM
fsr-3540	143	432	,	,	PUNCT
fsr-3540	143	433	0	0	NUM
fsr-3540	143	434	7	7	NUM
fsr-3540	143	435	2	2	NUM
fsr-3540	143	436	.4	.4	NUM
fsr-3540	143	437	2	2	NUM
fsr-3540	143	438	$	$	SYM
fsr-3540	143	439	8	8	NUM
fsr-3540	143	440	27	27	NUM
fsr-3540	143	441	.6	.6	NUM
fsr-3540	143	442	4	4	NUM
fsr-3540	143	443	$	$	SYM
fsr-3540	143	444	2	2	NUM
fsr-3540	143	445	4	4	NUM
fsr-3540	143	446	4	4	NUM
fsr-3540	143	447	.7	.7	NUM
fsr-3540	143	448	8	8	NUM
fsr-3540	143	449	$	$	SYM
fsr-3540	143	450	1	1	NUM
fsr-3540	143	451	9	9	NUM
fsr-3540	143	452	8	8	NUM
fsr-3540	143	453	,	,	PUNCT
fsr-3540	143	454	7	7	NUM
fsr-3540	143	455	8	8	NUM
fsr-3540	143	456	6	6	NUM
fsr-3540	143	457	6	6	NUM
fsr-3540	143	458	$	$	SYM
fsr-3540	143	459	1	1	NUM
fsr-3540	143	460	9	9	NUM
fsr-3540	143	461	8	8	NUM
fsr-3540	143	462	,	,	PUNCT
fsr-3540	143	463	7	7	NUM
fsr-3540	143	464	8	8	NUM
fsr-3540	143	465	6	6	NUM
fsr-3540	143	466	$	$	SYM
fsr-3540	143	467	1	1	NUM
fsr-3540	143	468	,	,	PUNCT
fsr-3540	143	469	0	0	NUM
fsr-3540	143	470	7	7	NUM
fsr-3540	143	471	2	2	NUM
fsr-3540	143	472	.4	.4	NUM
fsr-3540	143	473	2	2	NUM
fsr-3540	143	474	$	$	SYM
fsr-3540	143	475	8	8	NUM
fsr-3540	143	476	2	2	NUM
fsr-3540	143	477	6	6	NUM
fsr-3540	143	478	.6	.6	NUM
fsr-3540	143	479	2	2	NUM
fsr-3540	143	480	$	$	SYM
fsr-3540	143	481	2	2	NUM
fsr-3540	143	482	4	4	NUM
fsr-3540	143	483	5	5	NUM
fsr-3540	143	484	.8	.8	NUM
fsr-3540	143	485	0	0	SYM
fsr-3540	143	486	$	$	SYM
fsr-3540	143	487	1	1	NUM
fsr-3540	143	488	9	9	NUM
fsr-3540	143	489	8	8	NUM
fsr-3540	143	490	,	,	PUNCT
fsr-3540	143	491	5	5	NUM
fsr-3540	143	492	4	4	NUM
fsr-3540	143	493	0	0	NUM
fsr-3540	143	494	6	6	NUM
fsr-3540	143	495	$	$	SYM
fsr-3540	143	496	1	1	NUM
fsr-3540	143	497	9	9	NUM
fsr-3540	143	498	8	8	NUM
fsr-3540	143	499	,	,	PUNCT
fsr-3540	143	500	7	7	NUM
fsr-3540	143	501	8	8	NUM
fsr-3540	143	502	6	6	NUM
fsr-3540	143	503	$	$	SYM
fsr-3540	143	504	1	1	NUM
fsr-3540	143	505	,	,	PUNCT
fsr-3540	143	506	0	0	NUM
fsr-3540	143	507	7	7	NUM
fsr-3540	143	508	2	2	NUM
fsr-3540	143	509	.4	.4	NUM
fsr-3540	143	510	2	2	NUM
fsr-3540	143	511	$	$	SYM
fsr-3540	143	512	8	8	NUM
fsr-3540	143	513	26	26	NUM
fsr-3540	143	514	.6	.6	NUM
fsr-3540	143	515	2	2	NUM
fsr-3540	143	516	$	$	SYM
fsr-3540	143	517	2	2	NUM
fsr-3540	143	518	4	4	NUM
fsr-3540	143	519	5	5	NUM
fsr-3540	143	520	.8	.8	NUM
fsr-3540	143	521	0	0	SYM
fsr-3540	143	522	$	$	SYM
fsr-3540	143	523	1	1	NUM
fsr-3540	143	524	9	9	NUM
fsr-3540	143	525	8	8	NUM
fsr-3540	143	526	,	,	PUNCT
fsr-3540	143	527	5	5	NUM
fsr-3540	143	528	4	4	NUM
fsr-3540	143	529	0	0	NUM
fsr-3540	143	530	7	7	NUM
fsr-3540	143	531	$	$	SYM
fsr-3540	143	532	1	1	NUM
fsr-3540	143	533	9	9	NUM
fsr-3540	143	534	8	8	NUM
fsr-3540	143	535	,	,	PUNCT
fsr-3540	143	536	5	5	NUM
fsr-3540	143	537	4	4	NUM
fsr-3540	143	538	0	0	NUM
fsr-3540	143	539	$	$	SYM
fsr-3540	143	540	1	1	NUM
fsr-3540	143	541	,	,	PUNCT
fsr-3540	143	542	0	0	NUM
fsr-3540	143	543	7	7	NUM
fsr-3540	143	544	2	2	NUM
fsr-3540	143	545	.4	.4	NUM
fsr-3540	143	546	2	2	NUM
fsr-3540	143	547	$	$	SYM
fsr-3540	143	548	8	8	NUM
fsr-3540	143	549	2	2	NUM
fsr-3540	143	550	5	5	NUM
fsr-3540	143	551	.6	.6	NUM
fsr-3540	143	552	0	0	NUM
fsr-3540	143	553	$	$	SYM
fsr-3540	143	554	2	2	NUM
fsr-3540	143	555	4	4	NUM
fsr-3540	143	556	6	6	NUM
fsr-3540	143	557	.8	.8	NUM
fsr-3540	143	558	2	2	NUM
fsr-3540	143	559	$	$	SYM
fsr-3540	143	560	1	1	NUM
fsr-3540	143	561	9	9	NUM
fsr-3540	143	562	8	8	NUM
fsr-3540	143	563	,	,	PUNCT
fsr-3540	143	564	2	2	NUM
fsr-3540	143	565	9	9	NUM
fsr-3540	143	566	4	4	NUM
fsr-3540	143	567	7	7	NUM
fsr-3540	143	568	$	$	SYM
fsr-3540	143	569	1	1	NUM
fsr-3540	143	570	9	9	NUM
fsr-3540	143	571	8	8	NUM
fsr-3540	143	572	,	,	PUNCT
fsr-3540	143	573	5	5	NUM
fsr-3540	143	574	4	4	NUM
fsr-3540	143	575	0	0	NUM
fsr-3540	143	576	$	$	SYM
fsr-3540	143	577	1	1	NUM
fsr-3540	143	578	,	,	PUNCT
fsr-3540	143	579	0	0	NUM
fsr-3540	143	580	7	7	NUM
fsr-3540	143	581	2	2	NUM
fsr-3540	143	582	.4	.4	NUM
fsr-3540	143	583	2	2	NUM
fsr-3540	143	584	$	$	SYM
fsr-3540	143	585	8	8	NUM
fsr-3540	143	586	25	25	NUM
fsr-3540	143	587	.6	.6	NUM
fsr-3540	143	588	0	0	NUM
fsr-3540	143	589	$	$	SYM
fsr-3540	143	590	2	2	NUM
fsr-3540	143	591	4	4	NUM
fsr-3540	143	592	6	6	NUM
fsr-3540	143	593	.8	.8	NUM
fsr-3540	143	594	2	2	NUM
fsr-3540	143	595	$	$	SYM
fsr-3540	143	596	1	1	NUM
fsr-3540	143	597	9	9	NUM
fsr-3540	143	598	8	8	NUM
fsr-3540	143	599	,	,	PUNCT
fsr-3540	143	600	2	2	NUM
fsr-3540	143	601	9	9	NUM
fsr-3540	143	602	4	4	NUM
fsr-3540	143	603	8	8	NUM
fsr-3540	143	604	$	$	SYM
fsr-3540	143	605	1	1	NUM
fsr-3540	143	606	9	9	NUM
fsr-3540	143	607	8	8	NUM
fsr-3540	143	608	,	,	PUNCT
fsr-3540	143	609	2	2	NUM
fsr-3540	143	610	9	9	NUM
fsr-3540	143	611	4	4	NUM
fsr-3540	143	612	$	$	SYM
fsr-3540	143	613	1	1	NUM
fsr-3540	143	614	,	,	PUNCT
fsr-3540	143	615	0	0	NUM
fsr-3540	143	616	7	7	NUM
fsr-3540	143	617	2	2	NUM
fsr-3540	143	618	.4	.4	NUM
fsr-3540	143	619	2	2	NUM
fsr-3540	143	620	$	$	SYM
fsr-3540	143	621	8	8	NUM
fsr-3540	143	622	2	2	NUM
fsr-3540	143	623	4	4	NUM
fsr-3540	143	624	.5	.5	NUM
fsr-3540	143	625	7	7	NUM
fsr-3540	143	626	$	$	SYM
fsr-3540	143	627	2	2	NUM
fsr-3540	143	628	4	4	NUM
fsr-3540	143	629	7	7	NUM
fsr-3540	143	630	.8	.8	NUM
fsr-3540	143	631	5	5	NUM
fsr-3540	143	632	$	$	SYM
fsr-3540	143	633	1	1	NUM
fsr-3540	143	634	9	9	NUM
fsr-3540	143	635	8	8	NUM
fsr-3540	143	636	,	,	PUNCT
fsr-3540	143	637	0	0	NUM
fsr-3540	143	638	4	4	NUM
fsr-3540	143	639	6	6	NUM
fsr-3540	143	640	8	8	NUM
fsr-3540	143	641	$	$	SYM
fsr-3540	143	642	1	1	NUM
fsr-3540	143	643	9	9	NUM
fsr-3540	143	644	8	8	NUM
fsr-3540	143	645	,	,	PUNCT
fsr-3540	143	646	2	2	NUM
fsr-3540	143	647	9	9	NUM
fsr-3540	143	648	4	4	NUM
fsr-3540	143	649	$	$	SYM
fsr-3540	143	650	1	1	NUM
fsr-3540	143	651	,	,	PUNCT
fsr-3540	143	652	0	0	NUM
fsr-3540	143	653	7	7	NUM
fsr-3540	143	654	2	2	NUM
fsr-3540	143	655	.4	.4	NUM
fsr-3540	143	656	2	2	NUM
fsr-3540	143	657	$	$	SYM
fsr-3540	143	658	8	8	NUM
fsr-3540	143	659	24	24	NUM
fsr-3540	143	660	.5	.5	NUM
fsr-3540	143	661	7	7	NUM
fsr-3540	143	662	$	$	SYM
fsr-3540	143	663	2	2	NUM
fsr-3540	143	664	4	4	NUM
fsr-3540	143	665	7	7	NUM
fsr-3540	143	666	.8	.8	NUM
fsr-3540	143	667	5	5	NUM
fsr-3540	143	668	$	$	SYM
fsr-3540	143	669	1	1	NUM
fsr-3540	143	670	9	9	NUM
fsr-3540	143	671	8	8	NUM
fsr-3540	143	672	,	,	PUNCT
fsr-3540	143	673	0	0	NUM
fsr-3540	143	674	4	4	NUM
fsr-3540	143	675	6	6	NUM
fsr-3540	143	676	9	9	NUM
fsr-3540	143	677	$	$	SYM
fsr-3540	143	678	1	1	NUM
fsr-3540	143	679	9	9	NUM
fsr-3540	143	680	8	8	NUM
fsr-3540	143	681	,	,	PUNCT
fsr-3540	143	682	0	0	NUM
fsr-3540	143	683	4	4	NUM
fsr-3540	143	684	6	6	NUM
fsr-3540	143	685	$	$	SYM
fsr-3540	143	686	1	1	NUM
fsr-3540	143	687	,	,	PUNCT
fsr-3540	143	688	0	0	NUM
fsr-3540	143	689	7	7	NUM
fsr-3540	143	690	2	2	NUM
fsr-3540	143	691	.4	.4	NUM
fsr-3540	143	692	2	2	NUM
fsr-3540	143	693	$	$	SYM
fsr-3540	143	694	8	8	NUM
fsr-3540	143	695	2	2	NUM
fsr-3540	143	696	3	3	NUM
fsr-3540	143	697	.5	.5	NUM
fsr-3540	143	698	4	4	NUM
fsr-3540	143	699	$	$	SYM
fsr-3540	143	700	2	2	NUM
fsr-3540	143	701	4	4	NUM
fsr-3540	143	702	8	8	NUM
fsr-3540	143	703	.8	.8	NUM
fsr-3540	143	704	8	8	NUM
fsr-3540	143	705	$	$	SYM
fsr-3540	143	706	1	1	NUM
fsr-3540	143	707	9	9	NUM
fsr-3540	143	708	7	7	NUM
fsr-3540	143	709	,	,	PUNCT
fsr-3540	143	710	7	7	NUM
fsr-3540	143	711	9	9	NUM
fsr-3540	143	712	7	7	NUM
fsr-3540	143	713	9	9	NUM
fsr-3540	143	714	$	$	SYM
fsr-3540	143	715	1	1	NUM
fsr-3540	143	716	9	9	NUM
fsr-3540	143	717	8	8	NUM
fsr-3540	143	718	,	,	PUNCT
fsr-3540	143	719	0	0	NUM
fsr-3540	143	720	4	4	NUM
fsr-3540	143	721	6	6	NUM
fsr-3540	143	722	$	$	SYM
fsr-3540	143	723	1	1	NUM
fsr-3540	143	724	,	,	PUNCT
fsr-3540	143	725	0	0	NUM
fsr-3540	143	726	7	7	NUM
fsr-3540	143	727	2	2	NUM
fsr-3540	143	728	.4	.4	NUM
fsr-3540	143	729	2	2	NUM
fsr-3540	143	730	$	$	SYM
fsr-3540	143	731	8	8	NUM
fsr-3540	143	732	23	23	NUM
fsr-3540	143	733	.5	.5	NUM
fsr-3540	143	734	4	4	NUM
fsr-3540	143	735	$	$	SYM
fsr-3540	143	736	2	2	NUM
fsr-3540	143	737	4	4	NUM
fsr-3540	143	738	8	8	NUM
fsr-3540	143	739	.8	.8	NUM
fsr-3540	143	740	8	8	NUM
fsr-3540	143	741	$	$	SYM
fsr-3540	143	742	1	1	NUM
fsr-3540	143	743	9	9	NUM
fsr-3540	143	744	7	7	NUM
fsr-3540	143	745	,	,	PUNCT
fsr-3540	143	746	7	7	NUM
fsr-3540	143	747	9	9	NUM
fsr-3540	143	748	7	7	NUM
fsr-3540	143	749	1	1	NUM
fsr-3540	143	750	0	0	NUM
fsr-3540	143	751	$	$	SYM
fsr-3540	143	752	1	1	NUM
fsr-3540	143	753	9	9	NUM
fsr-3540	143	754	7	7	NUM
fsr-3540	143	755	,	,	PUNCT
fsr-3540	143	756	7	7	NUM
fsr-3540	143	757	9	9	NUM
fsr-3540	143	758	7	7	NUM
fsr-3540	143	759	$	$	SYM
fsr-3540	143	760	1	1	NUM
fsr-3540	143	761	,	,	PUNCT
fsr-3540	143	762	0	0	NUM
fsr-3540	143	763	7	7	NUM
fsr-3540	143	764	2	2	NUM
fsr-3540	143	765	.4	.4	NUM
fsr-3540	143	766	2	2	NUM
fsr-3540	143	767	$	$	SYM
fsr-3540	143	768	8	8	NUM
fsr-3540	143	769	2	2	NUM
fsr-3540	143	770	2	2	NUM
fsr-3540	143	771	.5	.5	NUM
fsr-3540	143	772	1	1	NUM
fsr-3540	143	773	$	$	SYM
fsr-3540	143	774	2	2	NUM
fsr-3540	143	775	4	4	NUM
fsr-3540	143	776	9	9	NUM
fsr-3540	143	777	.9	.9	NUM
fsr-3540	143	778	2	2	NUM
fsr-3540	143	779	$	$	SYM
fsr-3540	143	780	1	1	NUM
fsr-3540	143	781	9	9	NUM
fsr-3540	143	782	7	7	NUM
fsr-3540	143	783	,	,	PUNCT
fsr-3540	143	784	5	5	NUM
fsr-3540	143	785	4	4	NUM
fsr-3540	143	786	7	7	NUM
fsr-3540	143	787	1	1	NUM
fsr-3540	143	788	0	0	NUM
fsr-3540	143	789	$	$	SYM
fsr-3540	143	790	1	1	NUM
fsr-3540	143	791	9	9	NUM
fsr-3540	143	792	7	7	NUM
fsr-3540	143	793	,	,	PUNCT
fsr-3540	143	794	7	7	NUM
fsr-3540	143	795	9	9	NUM
fsr-3540	143	796	7	7	NUM
fsr-3540	143	797	$	$	SYM
fsr-3540	143	798	1	1	NUM
fsr-3540	143	799	,	,	PUNCT
fsr-3540	143	800	0	0	NUM
fsr-3540	143	801	7	7	NUM
fsr-3540	143	802	2	2	NUM
fsr-3540	143	803	.4	.4	NUM
fsr-3540	143	804	2	2	NUM
fsr-3540	143	805	$	$	SYM
fsr-3540	143	806	8	8	NUM
fsr-3540	143	807	22	22	NUM
fsr-3540	143	808	.5	.5	NUM
fsr-3540	143	809	1	1	NUM
fsr-3540	143	810	$	$	SYM
fsr-3540	143	811	2	2	NUM
fsr-3540	143	812	4	4	NUM
fsr-3540	143	813	9	9	NUM
fsr-3540	143	814	.9	.9	NUM
fsr-3540	143	815	2	2	NUM
fsr-3540	143	816	$	$	SYM
fsr-3540	143	817	1	1	NUM
fsr-3540	143	818	9	9	NUM
fsr-3540	143	819	7	7	NUM
fsr-3540	143	820	,	,	PUNCT
fsr-3540	143	821	5	5	NUM
fsr-3540	143	822	4	4	NUM
fsr-3540	143	823	7	7	NUM
fsr-3540	143	824	1	1	NUM
fsr-3540	143	825	1	1	NUM
fsr-3540	143	826	$	$	SYM
fsr-3540	143	827	1	1	NUM
fsr-3540	143	828	9	9	NUM
fsr-3540	143	829	7	7	NUM
fsr-3540	143	830	,	,	PUNCT
fsr-3540	143	831	5	5	NUM
fsr-3540	143	832	4	4	NUM
fsr-3540	143	833	7	7	NUM
fsr-3540	143	834	$	$	SYM
fsr-3540	143	835	1	1	NUM
fsr-3540	143	836	,	,	PUNCT
fsr-3540	143	837	0	0	NUM
fsr-3540	143	838	7	7	NUM
fsr-3540	143	839	2	2	NUM
fsr-3540	143	840	.4	.4	NUM
fsr-3540	143	841	2	2	NUM
fsr-3540	143	842	$	$	SYM
fsr-3540	143	843	8	8	NUM
fsr-3540	143	844	2	2	NUM
fsr-3540	143	845	1	1	NUM
fsr-3540	143	846	.4	.4	NUM
fsr-3540	143	847	7	7	NUM
fsr-3540	143	848	$	$	SYM
fsr-3540	143	849	2	2	NUM
fsr-3540	143	850	5	5	NUM
fsr-3540	143	851	0	0	NUM
fsr-3540	143	852	.9	.9	NUM
fsr-3540	143	853	6	6	NUM
fsr-3540	143	854	$	$	SYM
fsr-3540	143	855	1	1	NUM
fsr-3540	143	856	9	9	NUM
fsr-3540	143	857	7	7	NUM
fsr-3540	143	858	,	,	PUNCT
fsr-3540	143	859	2	2	NUM
fsr-3540	143	860	9	9	NUM
fsr-3540	143	861	6	6	NUM
fsr-3540	143	862	1	1	NUM
fsr-3540	143	863	1	1	NUM
fsr-3540	143	864	$	$	SYM
fsr-3540	143	865	1	1	NUM
fsr-3540	143	866	9	9	NUM
fsr-3540	143	867	7	7	NUM
fsr-3540	143	868	,	,	PUNCT
fsr-3540	143	869	5	5	NUM
fsr-3540	143	870	4	4	NUM
fsr-3540	143	871	7	7	NUM
fsr-3540	143	872	$	$	SYM
fsr-3540	143	873	1	1	NUM
fsr-3540	143	874	,	,	PUNCT
fsr-3540	143	875	0	0	NUM
fsr-3540	143	876	7	7	NUM
fsr-3540	143	877	2	2	NUM
fsr-3540	143	878	.4	.4	NUM
fsr-3540	143	879	2	2	NUM
fsr-3540	143	880	$	$	SYM
fsr-3540	143	881	8	8	NUM
fsr-3540	143	882	21	21	NUM
fsr-3540	143	883	.4	.4	NUM
fsr-3540	143	884	7	7	NUM
fsr-3540	143	885	$	$	SYM
fsr-3540	143	886	2	2	NUM
fsr-3540	143	887	5	5	NUM
fsr-3540	143	888	0	0	NUM
fsr-3540	143	889	.9	.9	NUM
fsr-3540	143	890	6	6	NUM
fsr-3540	143	891	$	$	SYM
fsr-3540	143	892	1	1	NUM
fsr-3540	143	893	9	9	NUM
fsr-3540	143	894	7	7	NUM
fsr-3540	143	895	,	,	PUNCT
fsr-3540	143	896	2	2	NUM
fsr-3540	143	897	9	9	NUM
fsr-3540	143	898	6	6	NUM
fsr-3540	143	899	1	1	NUM
fsr-3540	143	900	2	2	NUM
fsr-3540	143	901	$	$	SYM
fsr-3540	143	902	1	1	NUM
fsr-3540	143	903	9	9	NUM
fsr-3540	143	904	7	7	NUM
fsr-3540	143	905	,	,	PUNCT
fsr-3540	143	906	2	2	NUM
fsr-3540	143	907	9	9	NUM
fsr-3540	143	908	6	6	NUM
fsr-3540	143	909	$	$	SYM
fsr-3540	143	910	1	1	NUM
fsr-3540	143	911	,	,	PUNCT
fsr-3540	143	912	0	0	NUM
fsr-3540	143	913	7	7	NUM
fsr-3540	143	914	2	2	NUM
fsr-3540	143	915	.4	.4	NUM
fsr-3540	143	916	2	2	NUM
fsr-3540	143	917	$	$	SYM
fsr-3540	143	918	8	8	NUM
fsr-3540	143	919	2	2	NUM
fsr-3540	143	920	0	0	NUM
fsr-3540	143	921	.4	.4	NUM
fsr-3540	143	922	2	2	NUM
fsr-3540	143	923	$	$	SYM
fsr-3540	143	924	2	2	NUM
fsr-3540	143	925	5	5	NUM
fsr-3540	143	926	2	2	NUM
fsr-3540	143	927	.0	.0	NUM
fsr-3540	143	928	0	0	NUM
fsr-3540	143	929	$	$	SYM
fsr-3540	143	930	1	1	NUM
fsr-3540	143	931	9	9	NUM
fsr-3540	143	932	7	7	NUM
fsr-3540	143	933	,	,	PUNCT
fsr-3540	143	934	0	0	NUM
fsr-3540	143	935	4	4	NUM
fsr-3540	143	936	4	4	NUM
fsr-3540	143	937	1	1	NUM
fsr-3540	143	938	2	2	NUM
fsr-3540	143	939	$	$	SYM
fsr-3540	143	940	1	1	NUM
fsr-3540	143	941	9	9	NUM
fsr-3540	143	942	7	7	NUM
fsr-3540	143	943	,	,	PUNCT
fsr-3540	143	944	2	2	NUM
fsr-3540	143	945	9	9	NUM
fsr-3540	143	946	6	6	NUM
fsr-3540	143	947	$	$	SYM
fsr-3540	143	948	1	1	NUM
fsr-3540	143	949	,	,	PUNCT
fsr-3540	143	950	0	0	NUM
fsr-3540	143	951	7	7	NUM
fsr-3540	143	952	2	2	NUM
fsr-3540	143	953	.4	.4	NUM
fsr-3540	143	954	2	2	NUM
fsr-3540	143	955	$	$	SYM
fsr-3540	143	956	8	8	NUM
fsr-3540	143	957	20	20	NUM
fsr-3540	143	958	.4	.4	NUM
fsr-3540	143	959	2	2	NUM
fsr-3540	143	960	$	$	SYM
fsr-3540	143	961	2	2	NUM
fsr-3540	143	962	5	5	NUM
fsr-3540	143	963	2	2	NUM
fsr-3540	143	964	.0	.0	NUM
fsr-3540	143	965	0	0	NUM
fsr-3540	143	966	$	$	SYM
fsr-3540	143	967	1	1	NUM
fsr-3540	143	968	9	9	NUM
fsr-3540	143	969	7	7	NUM
fsr-3540	143	970	,	,	PUNCT
fsr-3540	143	971	0	0	NUM
fsr-3540	143	972	4	4	NUM
fsr-3540	143	973	4	4	NUM
fsr-3540	143	974	$	$	SYM
fsr-3540	143	975	4	4	NUM
fsr-3540	143	976	0	0	NUM
fsr-3540	143	977	,	,	PUNCT
fsr-3540	143	978	0	0	NUM
fsr-3540	143	979	0	0	NUM
fsr-3540	143	980	0	0	NUM
fsr-3540	143	981	.0	.0	NUM
fsr-3540	143	982	0	0	NUM
fsr-3540	143	983	$	$	SYM
fsr-3540	143	984	4	4	NUM
fsr-3540	143	985	0	0	NUM
fsr-3540	143	986	,	,	PUNCT
fsr-3540	143	987	0	0	NUM
fsr-3540	143	988	0	0	NUM
fsr-3540	143	989	0	0	NUM
fsr-3540	144	1	.0	.0	NUM
fsr-3540	144	2	0	0	NUM
fsr-3540	144	3	1	1	NUM
fsr-3540	144	4	3	3	NUM
fsr-3540	144	5	$	$	SYM
fsr-3540	144	6	1	1	NUM
fsr-3540	144	7	5	5	NUM
fsr-3540	144	8	7	7	NUM
fsr-3540	144	9	,	,	PUNCT
fsr-3540	144	10	0	0	NUM
fsr-3540	144	11	4	4	NUM
fsr-3540	144	12	4	4	NUM
fsr-3540	144	13	$	$	SYM
fsr-3540	144	14	1	1	NUM
fsr-3540	144	15	,	,	PUNCT
fsr-3540	144	16	0	0	NUM
fsr-3540	144	17	7	7	NUM
fsr-3540	144	18	2	2	NUM
fsr-3540	144	19	.4	.4	NUM
fsr-3540	144	20	2	2	NUM
fsr-3540	144	21	$	$	SYM
fsr-3540	144	22	6	6	NUM
fsr-3540	144	23	5	5	NUM
fsr-3540	144	24	3	3	NUM
fsr-3540	144	25	.0	.0	NUM
fsr-3540	144	26	4	4	NUM
fsr-3540	144	27	$	$	SYM
fsr-3540	144	28	4	4	NUM
fsr-3540	144	29	1	1	NUM
fsr-3540	144	30	9	9	NUM
fsr-3540	144	31	.3	.3	NUM
fsr-3540	144	32	8	8	NUM
fsr-3540	144	33	$	$	SYM
fsr-3540	144	34	1	1	NUM
fsr-3540	144	35	5	5	NUM
fsr-3540	144	36	6	6	NUM
fsr-3540	144	37	,	,	PUNCT
fsr-3540	144	38	6	6	NUM
fsr-3540	144	39	2	2	NUM
fsr-3540	144	40	5	5	NUM
fsr-3540	144	41	1	1	NUM
fsr-3540	144	42	3	3	NUM
fsr-3540	144	43	$	$	SYM
fsr-3540	144	44	1	1	NUM
fsr-3540	144	45	5	5	NUM
fsr-3540	144	46	7	7	NUM
fsr-3540	144	47	,	,	PUNCT
fsr-3540	144	48	0	0	NUM
fsr-3540	144	49	4	4	NUM
fsr-3540	144	50	4	4	NUM
fsr-3540	144	51	$	$	SYM
fsr-3540	144	52	8	8	NUM
fsr-3540	144	53	5	5	NUM
fsr-3540	144	54	4	4	NUM
fsr-3540	144	55	.7	.7	NUM
fsr-3540	144	56	2	2	NUM
fsr-3540	144	57	$	$	SYM
fsr-3540	144	58	6	6	NUM
fsr-3540	144	59	53	53	NUM
fsr-3540	144	60	.0	.0	NUM
fsr-3540	144	61	4	4	NUM
fsr-3540	144	62	$	$	SYM
fsr-3540	144	63	2	2	NUM
fsr-3540	144	64	0	0	NUM
fsr-3540	144	65	1	1	NUM
fsr-3540	144	66	.6	.6	NUM
fsr-3540	144	67	8	8	NUM
fsr-3540	144	68	$	$	SYM
fsr-3540	144	69	1	1	NUM
fsr-3540	144	70	5	5	NUM
fsr-3540	144	71	6	6	NUM
fsr-3540	144	72	,	,	PUNCT
fsr-3540	144	73	8	8	NUM
fsr-3540	144	74	4	4	NUM
fsr-3540	144	75	2	2	NUM
fsr-3540	144	76	1	1	NUM
fsr-3540	144	77	4	4	NUM
fsr-3540	144	78	$	$	SYM
fsr-3540	144	79	1	1	NUM
fsr-3540	144	80	5	5	NUM
fsr-3540	144	81	6	6	NUM
fsr-3540	144	82	,	,	PUNCT
fsr-3540	144	83	6	6	NUM
fsr-3540	144	84	2	2	NUM
fsr-3540	144	85	5	5	NUM
fsr-3540	144	86	$	$	SYM
fsr-3540	144	87	1	1	NUM
fsr-3540	144	88	,	,	PUNCT
fsr-3540	144	89	0	0	NUM
fsr-3540	144	90	7	7	NUM
fsr-3540	144	91	2	2	NUM
fsr-3540	144	92	.4	.4	NUM
fsr-3540	144	93	2	2	NUM
fsr-3540	144	94	$	$	SYM
fsr-3540	144	95	6	6	NUM
fsr-3540	144	96	5	5	NUM
fsr-3540	144	97	1	1	NUM
fsr-3540	144	98	.3	.3	NUM
fsr-3540	144	99	0	0	NUM
fsr-3540	144	100	$	$	SYM
fsr-3540	144	101	4	4	NUM
fsr-3540	144	102	2	2	NUM
fsr-3540	144	103	1	1	NUM
fsr-3540	144	104	.1	.1	NUM
fsr-3540	144	105	2	2	NUM
fsr-3540	144	106	$	$	SYM
fsr-3540	144	107	1	1	NUM
fsr-3540	144	108	5	5	NUM
fsr-3540	144	109	6	6	NUM
fsr-3540	144	110	,	,	PUNCT
fsr-3540	144	111	2	2	NUM
fsr-3540	144	112	0	0	NUM
fsr-3540	144	113	3	3	NUM
fsr-3540	144	114	1	1	NUM
fsr-3540	144	115	4	4	NUM
fsr-3540	144	116	$	$	SYM
fsr-3540	144	117	1	1	NUM
fsr-3540	144	118	5	5	NUM
fsr-3540	144	119	6	6	NUM
fsr-3540	144	120	,	,	PUNCT
fsr-3540	144	121	8	8	NUM
fsr-3540	144	122	4	4	NUM
fsr-3540	144	123	2	2	NUM
fsr-3540	144	124	$	$	SYM
fsr-3540	144	125	8	8	NUM
fsr-3540	144	126	5	5	NUM
fsr-3540	144	127	4	4	NUM
fsr-3540	144	128	.7	.7	NUM
fsr-3540	144	129	2	2	NUM
fsr-3540	144	130	$	$	SYM
fsr-3540	144	131	6	6	NUM
fsr-3540	144	132	52	52	NUM
fsr-3540	144	133	.2	.2	NUM
fsr-3540	144	134	0	0	SYM
fsr-3540	144	135	$	$	SYM
fsr-3540	144	136	2	2	NUM
fsr-3540	144	137	0	0	NUM
fsr-3540	144	138	2	2	NUM
fsr-3540	144	139	.5	.5	NUM
fsr-3540	144	140	2	2	NUM
fsr-3540	144	141	$	$	SYM
fsr-3540	144	142	1	1	NUM
fsr-3540	144	143	5	5	NUM
fsr-3540	144	144	6	6	NUM
fsr-3540	144	145	,	,	PUNCT
fsr-3540	144	146	6	6	NUM
fsr-3540	144	147	4	4	NUM
fsr-3540	144	148	0	0	NUM
fsr-3540	144	149	1	1	NUM
fsr-3540	144	150	5	5	NUM
fsr-3540	144	151	$	$	SYM
fsr-3540	144	152	1	1	NUM
fsr-3540	144	153	5	5	NUM
fsr-3540	144	154	6	6	NUM
fsr-3540	144	155	,	,	PUNCT
fsr-3540	144	156	2	2	NUM
fsr-3540	144	157	0	0	NUM
fsr-3540	144	158	3	3	NUM
fsr-3540	144	159	$	$	SYM
fsr-3540	144	160	1	1	NUM
fsr-3540	144	161	,	,	PUNCT
fsr-3540	144	162	0	0	NUM
fsr-3540	144	163	7	7	NUM
fsr-3540	144	164	2	2	NUM
fsr-3540	144	165	.4	.4	NUM
fsr-3540	144	166	2	2	NUM
fsr-3540	144	167	$	$	SYM
fsr-3540	144	168	6	6	NUM
fsr-3540	144	169	4	4	NUM
fsr-3540	144	170	9	9	NUM
fsr-3540	144	171	.5	.5	NUM
fsr-3540	144	172	5	5	NUM
fsr-3540	144	173	$	$	SYM
fsr-3540	144	174	4	4	NUM
fsr-3540	144	175	2	2	NUM
fsr-3540	144	176	2	2	NUM
fsr-3540	144	177	.8	.8	NUM
fsr-3540	144	178	8	8	NUM
fsr-3540	144	179	$	$	SYM
fsr-3540	144	180	1	1	NUM
fsr-3540	144	181	5	5	NUM
fsr-3540	144	182	5	5	NUM
fsr-3540	144	183	,	,	PUNCT
fsr-3540	144	184	7	7	NUM
fsr-3540	144	185	8	8	NUM
fsr-3540	144	186	1	1	NUM
fsr-3540	144	187	1	1	NUM
fsr-3540	144	188	5	5	NUM
fsr-3540	144	189	$	$	SYM
fsr-3540	144	190	1	1	NUM
fsr-3540	144	191	5	5	NUM
fsr-3540	144	192	6	6	NUM
fsr-3540	144	193	,	,	PUNCT
fsr-3540	144	194	6	6	NUM
fsr-3540	144	195	4	4	NUM
fsr-3540	144	196	0	0	NUM
fsr-3540	144	197	$	$	SYM
fsr-3540	144	198	8	8	NUM
fsr-3540	144	199	5	5	NUM
fsr-3540	144	200	4	4	NUM
fsr-3540	144	201	.7	.7	NUM
fsr-3540	144	202	2	2	NUM
fsr-3540	144	203	$	$	SYM
fsr-3540	144	204	6	6	NUM
fsr-3540	144	205	51	51	NUM
fsr-3540	144	206	.3	.3	NUM
fsr-3540	144	207	6	6	NUM
fsr-3540	144	208	$	$	SYM
fsr-3540	144	209	2	2	NUM
fsr-3540	144	210	0	0	NUM
fsr-3540	144	211	3	3	NUM
fsr-3540	144	212	.3	.3	NUM
fsr-3540	144	213	6	6	NUM
fsr-3540	144	214	$	$	SYM
fsr-3540	144	215	1	1	NUM
fsr-3540	144	216	5	5	NUM
fsr-3540	144	217	6	6	NUM
fsr-3540	144	218	,	,	PUNCT
fsr-3540	144	219	4	4	NUM
fsr-3540	144	220	3	3	NUM
fsr-3540	144	221	6	6	NUM
fsr-3540	144	222	*	*	PUNCT
fsr-3540	144	223	*	*	PUNCT
fsr-3540	145	1	*	*	PUNCT
fsr-3540	146	1	*	*	PUNCT
fsr-3540	147	1	*	*	PUNCT
fsr-3540	148	1	*	*	PUNCT
fsr-3540	149	1	*	*	PUNCT
fsr-3540	150	1	*	*	PUNCT
fsr-3540	151	1	*	*	PUNCT
fsr-3540	152	1	*	*	PUNCT
fsr-3540	153	1	*	*	PUNCT
fsr-3540	154	1	*	*	PUNCT
fsr-3540	155	1	*	*	PUNCT
fsr-3540	156	1	*	*	PUNCT
fsr-3540	157	1	*	*	PUNCT
fsr-3540	158	1	*	*	PUNCT
fsr-3540	159	1	*	*	PUNCT
fsr-3540	160	1	*	*	PUNCT
fsr-3540	161	1	*	*	PUNCT
fsr-3540	162	1	*	*	PUNCT
fsr-3540	163	1	*	*	PUNCT
fsr-3540	164	1	*	*	PUNCT
fsr-3540	165	1	*	*	PUNCT
fsr-3540	166	1	*	*	PUNCT
fsr-3540	167	1	*	*	PUNCT
fsr-3540	168	1	*	*	PUNCT
fsr-3540	169	1	*	*	PUNCT
fsr-3540	170	1	*	*	PUNCT
fsr-3540	170	2	*	*	PUNCT
fsr-3540	170	3	*	*	PUNCT
fsr-3540	170	4	2	2	NUM
fsr-3540	170	5	3	3	NUM
fsr-3540	170	6	7	7	NUM
fsr-3540	170	7	$	$	SYM
fsr-3540	170	8	2	2	NUM
fsr-3540	170	9	,	,	PUNCT
fsr-3540	170	10	4	4	NUM
fsr-3540	170	11	0	0	NUM
fsr-3540	170	12	3	3	NUM
fsr-3540	170	13	$	$	SYM
fsr-3540	170	14	1	1	NUM
fsr-3540	170	15	,	,	PUNCT
fsr-3540	170	16	0	0	NUM
fsr-3540	170	17	7	7	NUM
fsr-3540	170	18	2	2	NUM
fsr-3540	170	19	.4	.4	NUM
fsr-3540	170	20	2	2	NUM
fsr-3540	170	21	$	$	SYM
fsr-3540	170	22	9	9	NUM
fsr-3540	170	23	.9	.9	NUM
fsr-3540	170	24	9	9	NUM
fsr-3540	170	25	$	$	SYM
fsr-3540	170	26	1	1	NUM
fsr-3540	170	27	,	,	PUNCT
fsr-3540	170	28	0	0	NUM
fsr-3540	170	29	6	6	NUM
fsr-3540	170	30	2	2	NUM
fsr-3540	170	31	.4	.4	NUM
fsr-3540	170	32	3	3	NUM
fsr-3540	170	33	$	$	SYM
fsr-3540	170	34	1	1	NUM
fsr-3540	170	35	,	,	PUNCT
fsr-3540	170	36	3	3	NUM
fsr-3540	170	37	4	4	NUM
fsr-3540	170	38	0	0	NUM
fsr-3540	170	39	2	2	NUM
fsr-3540	170	40	3	3	NUM
fsr-3540	170	41	7	7	NUM
fsr-3540	170	42	$	$	SYM
fsr-3540	170	43	8	8	NUM
fsr-3540	170	44	2	2	NUM
fsr-3540	170	45	,	,	PUNCT
fsr-3540	170	46	6	6	NUM
fsr-3540	170	47	7	7	NUM
fsr-3540	170	48	8	8	NUM
fsr-3540	170	49	$	$	SYM
fsr-3540	170	50	8	8	NUM
fsr-3540	170	51	5	5	NUM
fsr-3540	170	52	4	4	NUM
fsr-3540	170	53	.7	.7	NUM
fsr-3540	170	54	2	2	NUM
fsr-3540	170	55	$	$	SYM
fsr-3540	170	56	3	3	NUM
fsr-3540	170	57	43	43	NUM
fsr-3540	170	58	.8	.8	NUM
fsr-3540	170	59	0	0	SYM
fsr-3540	170	60	$	$	SYM
fsr-3540	170	61	5	5	NUM
fsr-3540	170	62	1	1	NUM
fsr-3540	170	63	0	0	NUM
fsr-3540	170	64	.9	.9	NUM
fsr-3540	170	65	2	2	NUM
fsr-3540	170	66	$	$	SYM
fsr-3540	170	67	8	8	NUM
fsr-3540	170	68	2	2	NUM
fsr-3540	170	69	,	,	PUNCT
fsr-3540	170	70	1	1	NUM
fsr-3540	170	71	6	6	NUM
fsr-3540	170	72	7	7	NUM
fsr-3540	170	73	2	2	NUM
fsr-3540	170	74	3	3	NUM
fsr-3540	170	75	8	8	NUM
fsr-3540	170	76	$	$	SYM
fsr-3540	170	77	1	1	NUM
fsr-3540	170	78	,	,	PUNCT
fsr-3540	170	79	3	3	NUM
fsr-3540	170	80	4	4	NUM
fsr-3540	170	81	0	0	NUM
fsr-3540	170	82	$	$	SYM
fsr-3540	170	83	1	1	NUM
fsr-3540	170	84	,	,	PUNCT
fsr-3540	170	85	0	0	NUM
fsr-3540	170	86	7	7	NUM
fsr-3540	170	87	2	2	NUM
fsr-3540	170	88	.4	.4	NUM
fsr-3540	170	89	2	2	NUM
fsr-3540	170	90	$	$	SYM
fsr-3540	170	91	5	5	NUM
fsr-3540	170	92	.5	.5	NUM
fsr-3540	170	93	7	7	NUM
fsr-3540	170	94	$	$	SYM
fsr-3540	170	95	1	1	NUM
fsr-3540	170	96	,	,	PUNCT
fsr-3540	170	97	0	0	NUM
fsr-3540	170	98	6	6	NUM
fsr-3540	170	99	6	6	NUM
fsr-3540	170	100	.8	.8	NUM
fsr-3540	170	101	5	5	NUM
fsr-3540	170	102	$	$	SYM
fsr-3540	170	103	2	2	NUM
fsr-3540	170	104	7	7	NUM
fsr-3540	170	105	4	4	NUM
fsr-3540	170	106	2	2	NUM
fsr-3540	170	107	3	3	NUM
fsr-3540	170	108	8	8	NUM
fsr-3540	170	109	$	$	SYM
fsr-3540	170	110	8	8	NUM
fsr-3540	170	111	2	2	NUM
fsr-3540	170	112	,	,	PUNCT
fsr-3540	170	113	1	1	NUM
fsr-3540	170	114	6	6	NUM
fsr-3540	170	115	7	7	NUM
fsr-3540	170	116	$	$	SYM
fsr-3540	170	117	8	8	NUM
fsr-3540	170	118	5	5	NUM
fsr-3540	170	119	4	4	NUM
fsr-3540	170	120	.7	.7	NUM
fsr-3540	170	121	2	2	NUM
fsr-3540	170	122	$	$	SYM
fsr-3540	170	123	3	3	NUM
fsr-3540	170	124	41	41	NUM
fsr-3540	170	125	.6	.6	NUM
fsr-3540	170	126	8	8	NUM
fsr-3540	170	127	$	$	SYM
fsr-3540	170	128	5	5	NUM
fsr-3540	170	129	1	1	NUM
fsr-3540	170	130	3	3	NUM
fsr-3540	170	131	.0	.0	NUM
fsr-3540	170	132	4	4	NUM
fsr-3540	170	133	$	$	SYM
fsr-3540	170	134	8	8	NUM
fsr-3540	170	135	1	1	NUM
fsr-3540	170	136	,	,	PUNCT
fsr-3540	170	137	6	6	NUM
fsr-3540	170	138	5	5	NUM
fsr-3540	170	139	4	4	NUM
fsr-3540	170	140	2	2	NUM
fsr-3540	170	141	3	3	NUM
fsr-3540	170	142	9	9	NUM
fsr-3540	170	143	$	$	SYM
fsr-3540	170	144	2	2	NUM
fsr-3540	170	145	7	7	NUM
fsr-3540	170	146	4	4	NUM
fsr-3540	170	147	$	$	SYM
fsr-3540	170	148	1	1	NUM
fsr-3540	170	149	,	,	PUNCT
fsr-3540	170	150	0	0	NUM
fsr-3540	170	151	7	7	NUM
fsr-3540	170	152	2	2	NUM
fsr-3540	170	153	.4	.4	NUM
fsr-3540	170	154	2	2	NUM
fsr-3540	170	155	$	$	SYM
fsr-3540	170	156	1	1	NUM
fsr-3540	170	157	.1	.1	NUM
fsr-3540	170	158	4	4	NUM
fsr-3540	170	159	$	$	SYM
fsr-3540	170	160	1	1	NUM
fsr-3540	170	161	,	,	PUNCT
fsr-3540	170	162	0	0	NUM
fsr-3540	170	163	7	7	NUM
fsr-3540	170	164	1	1	NUM
fsr-3540	170	165	.2	.2	NUM
fsr-3540	170	166	8	8	NUM
fsr-3540	170	167	!	!	PUNCT
fsr-3540	170	168	$	$	SYM
fsr-3540	170	169	7	7	NUM
fsr-3540	170	170	9	9	NUM
fsr-3540	170	171	8	8	NUM
fsr-3540	170	172	2	2	NUM
fsr-3540	170	173	3	3	NUM
fsr-3540	170	174	9	9	NUM
fsr-3540	170	175	$	$	SYM
fsr-3540	170	176	8	8	NUM
fsr-3540	170	177	1	1	NUM
fsr-3540	170	178	,	,	PUNCT
fsr-3540	170	179	6	6	NUM
fsr-3540	170	180	5	5	NUM
fsr-3540	170	181	4	4	NUM
fsr-3540	170	182	$	$	SYM
fsr-3540	170	183	8	8	NUM
fsr-3540	170	184	5	5	NUM
fsr-3540	170	185	4	4	NUM
fsr-3540	170	186	.7	.7	NUM
fsr-3540	170	187	2	2	NUM
fsr-3540	170	188	$	$	SYM
fsr-3540	170	189	3	3	NUM
fsr-3540	170	190	39	39	NUM
fsr-3540	170	191	.5	.5	NUM
fsr-3540	170	192	4	4	NUM
fsr-3540	170	193	$	$	SYM
fsr-3540	170	194	5	5	NUM
fsr-3540	170	195	1	1	NUM
fsr-3540	170	196	5	5	NUM
fsr-3540	170	197	.1	.1	NUM
fsr-3540	170	198	8	8	NUM
fsr-3540	170	199	$	$	SYM
fsr-3540	170	200	8	8	NUM
fsr-3540	170	201	1	1	NUM
fsr-3540	170	202	,	,	PUNCT
fsr-3540	170	203	1	1	NUM
fsr-3540	170	204	3	3	NUM
fsr-3540	170	205	9	9	NUM
fsr-3540	170	206	*	*	PUNCT
fsr-3540	171	1	*	*	PUNCT
fsr-3540	172	1	*	*	PUNCT
fsr-3540	173	1	*	*	PUNCT
fsr-3540	174	1	*	*	PUNCT
fsr-3540	175	1	*	*	PUNCT
fsr-3540	176	1	*	*	PUNCT
fsr-3540	177	1	*	*	PUNCT
fsr-3540	178	1	*	*	PUNCT
fsr-3540	179	1	*	*	PUNCT
fsr-3540	180	1	*	*	PUNCT
fsr-3540	181	1	*	*	PUNCT
fsr-3540	182	1	*	*	PUNCT
fsr-3540	183	1	*	*	PUNCT
fsr-3540	184	1	*	*	PUNCT
fsr-3540	185	1	*	*	PUNCT
fsr-3540	186	1	*	*	PUNCT
fsr-3540	187	1	*	*	PUNCT
fsr-3540	188	1	*	*	PUNCT
fsr-3540	189	1	*	*	PUNCT
fsr-3540	190	1	*	*	PUNCT
fsr-3540	191	1	*	*	PUNCT
fsr-3540	192	1	*	*	PUNCT
fsr-3540	193	1	*	*	PUNCT
fsr-3540	194	1	*	*	PUNCT
fsr-3540	195	1	*	*	PUNCT
fsr-3540	196	1	*	*	PUNCT
fsr-3540	197	1	*	*	PUNCT
fsr-3540	198	1	*	*	PUNCT
fsr-3540	198	2	*	*	PUNCT
fsr-3540	199	1	3	3	NUM
fsr-3540	199	2	5	5	NUM
fsr-3540	199	3	7	7	NUM
fsr-3540	199	4	$	$	SYM
fsr-3540	199	5	3	3	NUM
fsr-3540	199	6	,	,	PUNCT
fsr-3540	199	7	3	3	NUM
fsr-3540	199	8	8	8	NUM
fsr-3540	199	9	4	4	NUM
fsr-3540	199	10	$	$	SYM
fsr-3540	199	11	8	8	NUM
fsr-3540	199	12	5	5	NUM
fsr-3540	199	13	4	4	NUM
fsr-3540	199	14	.7	.7	NUM
fsr-3540	199	15	2	2	NUM
fsr-3540	199	16	$	$	SYM
fsr-3540	199	17	1	1	NUM
fsr-3540	199	18	4	4	NUM
fsr-3540	199	19	.0	.0	NUM
fsr-3540	199	20	7	7	NUM
fsr-3540	199	21	$	$	SYM
fsr-3540	199	22	8	8	NUM
fsr-3540	199	23	4	4	NUM
fsr-3540	199	24	0	0	NUM
fsr-3540	199	25	.6	.6	NUM
fsr-3540	199	26	5	5	NUM
fsr-3540	199	27	$	$	SYM
fsr-3540	199	28	2	2	NUM
fsr-3540	199	29	,	,	PUNCT
fsr-3540	199	30	5	5	NUM
fsr-3540	199	31	4	4	NUM
fsr-3540	199	32	3	3	NUM
fsr-3540	199	33	3	3	NUM
fsr-3540	199	34	5	5	NUM
fsr-3540	199	35	8	8	NUM
fsr-3540	199	36	$	$	SYM
fsr-3540	199	37	2	2	NUM
fsr-3540	199	38	,	,	PUNCT
fsr-3540	199	39	5	5	NUM
fsr-3540	199	40	4	4	NUM
fsr-3540	199	41	3	3	NUM
fsr-3540	199	42	$	$	SYM
fsr-3540	199	43	8	8	NUM
fsr-3540	199	44	5	5	NUM
fsr-3540	199	45	4	4	NUM
fsr-3540	199	46	.7	.7	NUM
fsr-3540	199	47	2	2	NUM
fsr-3540	199	48	$	$	SYM
fsr-3540	199	49	1	1	NUM
fsr-3540	199	50	0	0	NUM
fsr-3540	199	51	.5	.5	NUM
fsr-3540	199	52	7	7	NUM
fsr-3540	199	53	$	$	SYM
fsr-3540	199	54	8	8	NUM
fsr-3540	199	55	4	4	NUM
fsr-3540	199	56	4	4	NUM
fsr-3540	199	57	.1	.1	NUM
fsr-3540	199	58	4	4	NUM
fsr-3540	199	59	$	$	SYM
fsr-3540	199	60	1	1	NUM
fsr-3540	199	61	,	,	PUNCT
fsr-3540	199	62	6	6	NUM
fsr-3540	199	63	9	9	NUM
fsr-3540	199	64	9	9	NUM
fsr-3540	199	65	3	3	NUM
fsr-3540	199	66	5	5	NUM
fsr-3540	199	67	9	9	NUM
fsr-3540	199	68	$	$	SYM
fsr-3540	199	69	1	1	NUM
fsr-3540	199	70	,	,	PUNCT
fsr-3540	199	71	6	6	NUM
fsr-3540	199	72	9	9	NUM
fsr-3540	199	73	9	9	NUM
fsr-3540	199	74	$	$	SYM
fsr-3540	199	75	8	8	NUM
fsr-3540	199	76	5	5	NUM
fsr-3540	199	77	4	4	NUM
fsr-3540	199	78	.7	.7	NUM
fsr-3540	199	79	2	2	NUM
fsr-3540	199	80	$	$	SYM
fsr-3540	199	81	7	7	NUM
fsr-3540	199	82	.0	.0	NUM
fsr-3540	199	83	6	6	NUM
fsr-3540	199	84	$	$	SYM
fsr-3540	199	85	8	8	NUM
fsr-3540	199	86	4	4	NUM
fsr-3540	199	87	7	7	NUM
fsr-3540	199	88	.6	.6	NUM
fsr-3540	199	89	5	5	NUM
fsr-3540	199	90	$	$	SYM
fsr-3540	199	91	8	8	NUM
fsr-3540	199	92	5	5	NUM
fsr-3540	199	93	1	1	NUM
fsr-3540	199	94	3	3	NUM
fsr-3540	199	95	6	6	NUM
fsr-3540	199	96	0	0	NUM
fsr-3540	199	97	$	$	SYM
fsr-3540	199	98	8	8	NUM
fsr-3540	199	99	5	5	NUM
fsr-3540	199	100	1	1	NUM
fsr-3540	199	101	$	$	SYM
fsr-3540	199	102	8	8	NUM
fsr-3540	199	103	5	5	NUM
fsr-3540	199	104	4	4	NUM
fsr-3540	199	105	.7	.7	NUM
fsr-3540	199	106	2	2	NUM
fsr-3540	199	107	$	$	SYM
fsr-3540	199	108	3	3	NUM
fsr-3540	199	109	.5	.5	NUM
fsr-3540	199	110	4	4	NUM
fsr-3540	199	111	$	$	SYM
fsr-3540	199	112	8	8	NUM
fsr-3540	199	113	5	5	NUM
fsr-3540	199	114	1	1	NUM
fsr-3540	199	115	.1	.1	NUM
fsr-3540	199	116	8	8	NUM
fsr-3540	199	117	$	$	SYM
fsr-3540	199	118	0	0	NUM
fsr-3540	199	119	n	n	NUM
fsr-3540	199	120	o	o	NOUN
fsr-3540	199	121	te	te	INTJ
fsr-3540	199	122	.	.	PUNCT
fsr-3540	200	1	s	s	VERB
fsr-3540	200	2	ha	ha	INTJ
fsr-3540	201	1	d	d	X
fsr-3540	201	2	ed	ed	NOUN
fsr-3540	201	3	ro	ro	PROPN
fsr-3540	201	4	w	w	PROPN
fsr-3540	201	5	s	s	PROPN
fsr-3540	201	6	h	h	NOUN
fsr-3540	202	1	ig	ig	PROPN
fsr-3540	202	2	h	h	NOUN
fsr-3540	202	3	li	li	PROPN
fsr-3540	203	1	g	g	PROPN
fsr-3540	203	2	h	h	PROPN
fsr-3540	203	3	t	t	PROPN
fsr-3540	204	1	i	i	PRON
fsr-3540	204	2	m	m	VERB
fsr-3540	204	3	p	p	ADJ
fsr-3540	204	4	o	o	X
fsr-3540	204	5	rt	rt	PROPN
fsr-3540	205	1	an	an	DET
fsr-3540	205	2	t	t	PROPN
fsr-3540	205	3	ch	ch	NOUN
fsr-3540	205	4	an	an	DET
fsr-3540	205	5	g	g	NOUN
fsr-3540	205	6	es	es	X
fsr-3540	205	7	to	to	ADP
fsr-3540	205	8	th	th	NUM
fsr-3540	205	9	e	e	NOUN
fsr-3540	205	10	am	be	AUX
fsr-3540	205	11	o	o	NOUN
fsr-3540	205	12	rt	rt	INTJ
fsr-3540	205	13	iz	iz	INTJ
fsr-3540	205	14	at	at	ADP
fsr-3540	205	15	io	io	PROPN
fsr-3540	205	16	n	n	CCONJ
fsr-3540	206	1	sc	sc	PROPN
fsr-3540	206	2	h	h	NOUN
fsr-3540	206	3	ed	ed	NOUN
fsr-3540	206	4	u	u	PROPN
fsr-3540	206	5	le	le	PROPN
fsr-3540	206	6	w	w	PROPN
fsr-3540	206	7	h	h	PROPN
fsr-3540	206	8	en	en	INTJ
fsr-3540	206	9	a	a	DET
fsr-3540	206	10	o	o	NOUN
fsr-3540	206	11	n	n	X
fsr-3540	206	12	eti	eti	PROPN
fsr-3540	206	13	m	m	NOUN
fsr-3540	206	14	e	e	NOUN
fsr-3540	206	15	$	$	SYM
fsr-3540	206	16	4	4	NUM
fsr-3540	206	17	0	0	NUM
fsr-3540	206	18	,	,	PUNCT
fsr-3540	206	19	0	0	NUM
fsr-3540	206	20	0	0	NUM
fsr-3540	206	21	0	0	NUM
fsr-3540	207	1	w	w	NOUN
fsr-3540	207	2	in	in	ADP
fsr-3540	207	3	d	d	PROPN
fsr-3540	207	4	fa	fa	INTJ
fsr-3540	207	5	ll	ll	NOUN
fsr-3540	207	6	is	be	AUX
fsr-3540	207	7	ap	ap	PROPN
fsr-3540	207	8	p	p	PROPN
fsr-3540	207	9	li	li	PROPN
fsr-3540	207	10	ed	ed	PROPN
fsr-3540	207	11	as	as	ADP
fsr-3540	207	12	ei	ei	X
fsr-3540	207	13	th	th	INTJ
fsr-3540	207	14	er	er	INTJ
fsr-3540	207	15	ad	ad	NOUN
fsr-3540	208	1	d	d	X
fsr-3540	208	2	it	it	PRON
fsr-3540	208	3	io	io	PROPN
fsr-3540	209	1	n	n	PROPN
fsr-3540	209	2	al	al	PROPN
fsr-3540	209	3	p	p	PROPN
fsr-3540	209	4	ri	ri	PROPN
fsr-3540	210	1	n	n	CCONJ
fsr-3540	210	2	ci	ci	PROPN
fsr-3540	210	3	p	p	PROPN
fsr-3540	210	4	al	al	PROPN
fsr-3540	210	5	o	o	PROPN
fsr-3540	210	6	r	r	NOUN
fsr-3540	210	7	u	u	PROPN
fsr-3540	210	8	se	se	PROPN
fsr-3540	210	9	d	d	X
fsr-3540	210	10	to	to	PART
fsr-3540	210	11	re	re	PROPN
fsr-3540	210	12	ca	ca	AUX
fsr-3540	210	13	st	st	VERB
fsr-3540	210	14	a	a	DET
fsr-3540	210	15	3	3	NUM
fsr-3540	210	16	0	0	NUM
fsr-3540	210	17	-y	-y	SYM
fsr-3540	210	18	ea	ea	NOUN
fsr-3540	210	19	r	r	NOUN
fsr-3540	210	20	m	m	VERB
fsr-3540	210	21	o	o	NOUN
fsr-3540	210	22	rt	rt	NOUN
fsr-3540	210	23	g	g	PROPN
fsr-3540	210	24	ag	ag	PROPN
fsr-3540	210	25	e	e	PROPN
fsr-3540	210	26	,	,	PUNCT
fsr-3540	210	27	o	o	PROPN
fsr-3540	210	28	n	n	X
fsr-3540	211	1	e	e	X
fsr-3540	211	2	y	y	PROPN
fsr-3540	211	3	ea	ea	PROPN
fsr-3540	212	1	r	r	NOUN
fsr-3540	212	2	af	af	VERB
fsr-3540	212	3	te	te	ADP
fsr-3540	212	4	r	r	NOUN
fsr-3540	212	5	th	th	X
fsr-3540	212	6	e	e	X
fsr-3540	212	7	lo	lo	PROPN
fsr-3540	212	8	an	an	DET
fsr-3540	212	9	’s	’s	NOUN
fsr-3540	212	10	o	o	NOUN
fsr-3540	212	11	ri	ri	NOUN
fsr-3540	212	12	g	g	NOUN
fsr-3540	212	13	in	in	ADV
fsr-3540	212	14	at	at	ADP
fsr-3540	212	15	io	io	X
fsr-3540	212	16	n	n	X
fsr-3540	212	17	.	.	PUNCT
fsr-3540	213	1	c.	c.	PROPN
fsr-3540	213	2	mcclatchey	mcclatchey	PROPN
fsr-3540	213	3	/	/	SYM
fsr-3540	213	4	financial	financial	ADJ
fsr-3540	213	5	services	service	NOUN
fsr-3540	213	6	review	review	VERB
fsr-3540	213	7	31	31	NUM
fsr-3540	213	8	(	(	PUNCT
fsr-3540	213	9	2023	2023	NUM
fsr-3540	213	10	)	)	PUNCT
fsr-3540	213	11	197–209	197–209	NUM
fsr-3540	213	12	203	203	NUM
fsr-3540	213	13	backed	back	VERB
fsr-3540	213	14	security	security	NOUN
fsr-3540	213	15	(	(	PUNCT
fsr-3540	213	16	mbs).1	mbs).1	VERB
fsr-3540	213	17	recasting	recast	VERB
fsr-3540	213	18	is	be	AUX
fsr-3540	213	19	allowed	allow	VERB
fsr-3540	213	20	for	for	ADP
fsr-3540	213	21	conventional	conventional	ADJ
fsr-3540	213	22	,	,	PUNCT
fsr-3540	213	23	conforming	conform	VERB
fsr-3540	213	24	mortgages	mortgage	NOUN
fsr-3540	213	25	.	.	PUNCT
fsr-3540	214	1	eligibility	eligibility	NOUN
fsr-3540	214	2	for	for	ADP
fsr-3540	214	3	a	a	DET
fsr-3540	214	4	nonconforming	nonconforme	VERB
fsr-3540	214	5	conventional	conventional	ADJ
fsr-3540	214	6	mortgage	mortgage	NOUN
fsr-3540	214	7	is	be	AUX
fsr-3540	214	8	at	at	ADP
fsr-3540	214	9	the	the	DET
fsr-3540	214	10	lender	lender	NOUN
fsr-3540	214	11	’s	’s	PART
fsr-3540	214	12	discretion	discretion	NOUN
fsr-3540	214	13	.	.	PUNCT
fsr-3540	215	1	government	government	NOUN
fsr-3540	215	2	-	-	PUNCT
fsr-3540	215	3	insured	insure	VERB
fsr-3540	215	4	mortgage	mortgage	NOUN
fsr-3540	215	5	programs	program	NOUN
fsr-3540	215	6	include	include	VERB
fsr-3540	215	7	fha	fha	PROPN
fsr-3540	215	8	,	,	PUNCT
fsr-3540	215	9	va	va	PROPN
fsr-3540	215	10	,	,	PUNCT
fsr-3540	215	11	pih	pih	PROPN
fsr-3540	215	12	,	,	PUNCT
fsr-3540	215	13	and	and	CCONJ
fsr-3540	215	14	usda	usda	NOUN
fsr-3540	215	15	.	.	PUNCT
fsr-3540	216	1	while	while	SCONJ
fsr-3540	216	2	fannie	fannie	PROPN
fsr-3540	216	3	and	and	CCONJ
fsr-3540	216	4	freddie	freddie	PROPN
fsr-3540	216	5	actually	actually	ADV
fsr-3540	216	6	purchase	purchase	VERB
fsr-3540	216	7	mortgages	mortgage	NOUN
fsr-3540	216	8	and	and	CCONJ
fsr-3540	216	9	either	either	CCONJ
fsr-3540	216	10	hold	hold	VERB
fsr-3540	216	11	them	they	PRON
fsr-3540	216	12	in	in	ADP
fsr-3540	216	13	portfolio	portfolio	NOUN
fsr-3540	216	14	or	or	CCONJ
fsr-3540	216	15	subsequently	subsequently	ADV
fsr-3540	216	16	securitize	securitize	VERB
fsr-3540	216	17	them	they	PRON
fsr-3540	216	18	and	and	CCONJ
fsr-3540	216	19	issue	issue	VERB
fsr-3540	216	20	a	a	DET
fsr-3540	216	21	mbs	mb	NOUN
fsr-3540	216	22	,	,	PUNCT
fsr-3540	216	23	ginnie	ginnie	PROPN
fsr-3540	216	24	mae	mae	PROPN
fsr-3540	216	25	does	do	AUX
fsr-3540	216	26	not	not	PART
fsr-3540	216	27	purchase	purchase	VERB
fsr-3540	216	28	and	and	CCONJ
fsr-3540	216	29	securitize	securitize	VERB
fsr-3540	216	30	mortgages	mortgage	NOUN
fsr-3540	216	31	.	.	PUNCT
fsr-3540	217	1	lenders	lender	NOUN
fsr-3540	217	2	originate	originate	VERB
fsr-3540	217	3	these	these	DET
fsr-3540	217	4	mortgages	mortgage	NOUN
fsr-3540	217	5	and	and	CCONJ
fsr-3540	217	6	either	either	CCONJ
fsr-3540	217	7	hold	hold	VERB
fsr-3540	217	8	them	they	PRON
fsr-3540	217	9	in	in	ADP
fsr-3540	217	10	portfolio	portfolio	NOUN
fsr-3540	217	11	or	or	CCONJ
fsr-3540	217	12	privately	privately	ADV
fsr-3540	217	13	securitize	securitize	VERB
fsr-3540	217	14	them	they	PRON
fsr-3540	217	15	.	.	PUNCT
fsr-3540	218	1	ginnie	ginnie	PROPN
fsr-3540	218	2	’s	’s	PART
fsr-3540	218	3	blessing	blessing	NOUN
fsr-3540	218	4	assures	assure	VERB
fsr-3540	218	5	the	the	DET
fsr-3540	218	6	investors	investor	NOUN
fsr-3540	218	7	in	in	ADP
fsr-3540	218	8	the	the	DET
fsr-3540	218	9	mbs	mb	NOUN
fsr-3540	218	10	that	that	SCONJ
fsr-3540	218	11	they	they	PRON
fsr-3540	218	12	will	will	AUX
fsr-3540	218	13	receive	receive	VERB
fsr-3540	218	14	payments	payment	NOUN
fsr-3540	218	15	without	without	ADP
fsr-3540	218	16	disruption	disruption	NOUN
fsr-3540	218	17	.	.	PUNCT
fsr-3540	219	1	mortgages	mortgage	NOUN
fsr-3540	219	2	backed	back	VERB
fsr-3540	219	3	by	by	ADP
fsr-3540	219	4	ginnie	ginnie	PROPN
fsr-3540	219	5	mae	mae	PROPN
fsr-3540	219	6	are	be	AUX
fsr-3540	219	7	not	not	PART
fsr-3540	219	8	eligible	eligible	ADJ
fsr-3540	219	9	for	for	ADP
fsr-3540	219	10	recasting	recast	VERB
fsr-3540	219	11	.	.	PUNCT
fsr-3540	220	1	after	after	ADP
fsr-3540	220	2	purchasing	purchase	VERB
fsr-3540	220	3	a	a	DET
fsr-3540	220	4	home	home	NOUN
fsr-3540	220	5	,	,	PUNCT
fsr-3540	220	6	a	a	DET
fsr-3540	220	7	homeowner	homeowner	NOUN
fsr-3540	220	8	may	may	AUX
fsr-3540	220	9	borrow	borrow	VERB
fsr-3540	220	10	against	against	ADP
fsr-3540	220	11	the	the	DET
fsr-3540	220	12	home	home	NOUN
fsr-3540	220	13	’s	’s	PART
fsr-3540	220	14	equity	equity	NOUN
fsr-3540	220	15	.	.	PUNCT
fsr-3540	221	1	a	a	DET
fsr-3540	221	2	home	home	NOUN
fsr-3540	221	3	equity	equity	NOUN
fsr-3540	221	4	loan	loan	NOUN
fsr-3540	221	5	provides	provide	VERB
fsr-3540	221	6	a	a	DET
fsr-3540	221	7	lump	lump	NOUN
fsr-3540	221	8	-	-	PUNCT
fsr-3540	221	9	sum	sum	NOUN
fsr-3540	221	10	amount	amount	NOUN
fsr-3540	221	11	,	,	PUNCT
fsr-3540	221	12	often	often	ADV
fsr-3540	221	13	used	use	VERB
fsr-3540	221	14	for	for	ADP
fsr-3540	221	15	a	a	DET
fsr-3540	221	16	major	major	ADJ
fsr-3540	221	17	home	home	NOUN
fsr-3540	221	18	remodel	remodel	NOUN
fsr-3540	221	19	or	or	CCONJ
fsr-3540	221	20	large	large	ADJ
fsr-3540	221	21	immediate	immediate	ADJ
fsr-3540	221	22	one	one	NUM
fsr-3540	221	23	-	-	PUNCT
fsr-3540	221	24	time	time	NOUN
fsr-3540	221	25	expense	expense	NOUN
fsr-3540	221	26	.	.	PUNCT
fsr-3540	222	1	it	it	PRON
fsr-3540	222	2	generally	generally	ADV
fsr-3540	222	3	carries	carry	VERB
fsr-3540	222	4	a	a	DET
fsr-3540	222	5	fixed	fix	VERB
fsr-3540	222	6	interest	interest	NOUN
fsr-3540	222	7	rate	rate	NOUN
fsr-3540	222	8	.	.	PUNCT
fsr-3540	223	1	under	under	ADP
fsr-3540	223	2	a	a	DET
fsr-3540	223	3	home	home	NOUN
fsr-3540	223	4	equity	equity	NOUN
fsr-3540	223	5	line	line	NOUN
fsr-3540	223	6	of	of	ADP
fsr-3540	223	7	credit	credit	NOUN
fsr-3540	223	8	(	(	PUNCT
fsr-3540	223	9	heloc	heloc	PROPN
fsr-3540	223	10	)	)	PUNCT
fsr-3540	223	11	,	,	PUNCT
fsr-3540	223	12	the	the	DET
fsr-3540	223	13	borrower	borrower	NOUN
fsr-3540	223	14	qualifies	qualify	VERB
fsr-3540	223	15	for	for	ADP
fsr-3540	223	16	an	an	DET
fsr-3540	223	17	amount	amount	NOUN
fsr-3540	223	18	that	that	PRON
fsr-3540	223	19	they	they	PRON
fsr-3540	223	20	can	can	AUX
fsr-3540	223	21	borrow	borrow	VERB
fsr-3540	223	22	and	and	CCONJ
fsr-3540	223	23	pay	pay	VERB
fsr-3540	223	24	back	back	ADV
fsr-3540	223	25	as	as	ADV
fsr-3540	223	26	many	many	ADJ
fsr-3540	223	27	times	time	NOUN
fsr-3540	223	28	as	as	SCONJ
fsr-3540	223	29	needed	need	VERB
fsr-3540	223	30	until	until	SCONJ
fsr-3540	223	31	the	the	DET
fsr-3540	223	32	mortgage	mortgage	NOUN
fsr-3540	223	33	’s	’s	PART
fsr-3540	223	34	draw	draw	ADJ
fsr-3540	223	35	period	period	NOUN
fsr-3540	223	36	comes	come	VERB
fsr-3540	223	37	to	to	ADP
fsr-3540	223	38	an	an	DET
fsr-3540	223	39	end	end	NOUN
fsr-3540	223	40	.	.	PUNCT
fsr-3540	224	1	during	during	ADP
fsr-3540	224	2	the	the	DET
fsr-3540	224	3	draw	draw	ADJ
fsr-3540	224	4	period	period	NOUN
fsr-3540	224	5	,	,	PUNCT
fsr-3540	224	6	the	the	DET
fsr-3540	224	7	lender	lender	NOUN
fsr-3540	224	8	requires	require	VERB
fsr-3540	224	9	only	only	ADV
fsr-3540	224	10	monthly	monthly	ADJ
fsr-3540	224	11	interest	interest	NOUN
fsr-3540	224	12	payments	payment	NOUN
fsr-3540	224	13	(	(	PUNCT
fsr-3540	224	14	perhaps	perhaps	ADV
fsr-3540	224	15	subject	subject	ADJ
fsr-3540	224	16	to	to	ADP
fsr-3540	224	17	a	a	DET
fsr-3540	224	18	minimum	minimum	ADJ
fsr-3540	224	19	amount	amount	NOUN
fsr-3540	224	20	)	)	PUNCT
fsr-3540	224	21	,	,	PUNCT
fsr-3540	224	22	and	and	CCONJ
fsr-3540	224	23	the	the	DET
fsr-3540	224	24	mortgage	mortgage	NOUN
fsr-3540	224	25	carries	carry	VERB
fsr-3540	224	26	a	a	DET
fsr-3540	224	27	variable	variable	ADJ
fsr-3540	224	28	interest	interest	NOUN
fsr-3540	224	29	rate	rate	NOUN
fsr-3540	224	30	.	.	PUNCT
fsr-3540	225	1	the	the	DET
fsr-3540	225	2	ability	ability	NOUN
fsr-3540	225	3	to	to	PART
fsr-3540	225	4	recast	recast	VERB
fsr-3540	225	5	a	a	DET
fsr-3540	225	6	home	home	NOUN
fsr-3540	225	7	equity	equity	NOUN
fsr-3540	225	8	loan	loan	NOUN
fsr-3540	225	9	or	or	CCONJ
fsr-3540	225	10	a	a	DET
fsr-3540	225	11	heloc	heloc	NOUN
fsr-3540	225	12	is	be	AUX
fsr-3540	225	13	lender	lender	NOUN
fsr-3540	225	14	-	-	PUNCT
fsr-3540	225	15	specific	specific	ADJ
fsr-3540	225	16	.	.	PUNCT
fsr-3540	226	1	eligibility	eligibility	NOUN
fsr-3540	226	2	for	for	ADP
fsr-3540	226	3	all	all	DET
fsr-3540	226	4	mortgage	mortgage	NOUN
fsr-3540	226	5	programs	program	NOUN
fsr-3540	226	6	is	be	AUX
fsr-3540	226	7	detailed	detail	VERB
fsr-3540	226	8	in	in	ADP
fsr-3540	226	9	table	table	NOUN
fsr-3540	226	10	3	3	NUM
fsr-3540	226	11	.	.	NOUN
fsr-3540	226	12	3.3	3.3	NUM
fsr-3540	226	13	.	.	PUNCT
fsr-3540	227	1	lender	lender	NOUN
fsr-3540	227	2	-	-	PUNCT
fsr-3540	227	3	specific	specific	ADJ
fsr-3540	227	4	requirements	requirement	NOUN
fsr-3540	227	5	common	common	ADJ
fsr-3540	227	6	lender	lender	NOUN
fsr-3540	227	7	-	-	PUNCT
fsr-3540	227	8	specific	specific	ADJ
fsr-3540	227	9	eligibility	eligibility	NOUN
fsr-3540	227	10	requirements	requirement	NOUN
fsr-3540	227	11	are	be	AUX
fsr-3540	227	12	that	that	PRON
fsr-3540	227	13	(	(	PUNCT
fsr-3540	227	14	a	a	X
fsr-3540	227	15	)	)	PUNCT
fsr-3540	227	16	the	the	DET
fsr-3540	227	17	mortgage	mortgage	NOUN
fsr-3540	227	18	is	be	AUX
fsr-3540	227	19	current	current	ADJ
fsr-3540	227	20	with	with	ADP
fsr-3540	227	21	no	no	DET
fsr-3540	227	22	outstanding	outstanding	ADJ
fsr-3540	227	23	amount	amount	NOUN
fsr-3540	227	24	due	due	ADJ
fsr-3540	227	25	,	,	PUNCT
fsr-3540	227	26	(	(	PUNCT
fsr-3540	227	27	b	b	X
fsr-3540	227	28	)	)	PUNCT
fsr-3540	227	29	the	the	DET
fsr-3540	227	30	borrower	borrower	NOUN
fsr-3540	227	31	has	have	AUX
fsr-3540	227	32	had	have	VERB
fsr-3540	227	33	no	no	DET
fsr-3540	227	34	past	past	ADJ
fsr-3540	227	35	due	due	ADJ
fsr-3540	227	36	payments	payment	NOUN
fsr-3540	227	37	within	within	ADP
fsr-3540	227	38	the	the	DET
fsr-3540	227	39	last	last	ADJ
fsr-3540	227	40	12months	12months	NUM
fsr-3540	227	41	,	,	PUNCT
fsr-3540	227	42	and	and	CCONJ
fsr-3540	227	43	(	(	PUNCT
fsr-3540	227	44	c	c	X
fsr-3540	227	45	)	)	PUNCT
fsr-3540	227	46	the	the	DET
fsr-3540	227	47	recast	recast	NOUN
fsr-3540	227	48	application	application	NOUN
fsr-3540	227	49	is	be	AUX
fsr-3540	227	50	submitted	submit	VERB
fsr-3540	227	51	more	more	ADJ
fsr-3540	227	52	than	than	ADP
fsr-3540	227	53	90	90	NUM
fsr-3540	227	54	days	day	NOUN
fsr-3540	227	55	after	after	ADP
fsr-3540	227	56	the	the	DET
fsr-3540	227	57	mortgage	mortgage	NOUN
fsr-3540	227	58	’s	’s	PART
fsr-3540	227	59	closing	closing	NOUN
fsr-3540	227	60	date	date	NOUN
fsr-3540	227	61	.	.	PUNCT
fsr-3540	228	1	for	for	ADP
fsr-3540	228	2	an	an	DET
fsr-3540	228	3	adjustable	adjustable	ADJ
fsr-3540	228	4	rate	rate	NOUN
fsr-3540	228	5	mortgage	mortgage	NOUN
fsr-3540	228	6	,	,	PUNCT
fsr-3540	228	7	the	the	DET
fsr-3540	228	8	recast	recast	NOUN
fsr-3540	228	9	application	application	NOUN
fsr-3540	228	10	must	must	AUX
fsr-3540	228	11	generally	generally	ADV
fsr-3540	228	12	be	be	AUX
fsr-3540	228	13	submitted	submit	VERB
fsr-3540	228	14	more	more	ADJ
fsr-3540	228	15	than	than	ADP
fsr-3540	228	16	90	90	NUM
fsr-3540	228	17	days	day	NOUN
fsr-3540	228	18	before	before	ADP
fsr-3540	228	19	any	any	DET
fsr-3540	228	20	scheduled	schedule	VERB
fsr-3540	228	21	rate	rate	NOUN
fsr-3540	228	22	change	change	NOUN
fsr-3540	228	23	.	.	PUNCT
fsr-3540	229	1	also	also	ADV
fsr-3540	229	2	common	common	ADJ
fsr-3540	229	3	is	be	AUX
fsr-3540	229	4	a	a	DET
fsr-3540	229	5	reduction	reduction	NOUN
fsr-3540	229	6	in	in	ADP
fsr-3540	229	7	mortgage	mortgage	NOUN
fsr-3540	229	8	principal	principal	NOUN
fsr-3540	229	9	(	(	PUNCT
fsr-3540	229	10	termed	term	VERB
fsr-3540	229	11	principal	principal	ADJ
fsr-3540	229	12	curtailment	curtailment	ADJ
fsr-3540	229	13	)	)	PUNCT
fsr-3540	229	14	,	,	PUNCT
fsr-3540	229	15	although	although	SCONJ
fsr-3540	229	16	rules	rule	NOUN
fsr-3540	229	17	vary	vary	VERB
fsr-3540	229	18	from	from	ADP
fsr-3540	229	19	lender	lender	NOUN
fsr-3540	229	20	to	to	ADP
fsr-3540	229	21	lender	lender	PROPN
fsr-3540	229	22	.	.	PUNCT
fsr-3540	230	1	some	some	DET
fsr-3540	230	2	lenders	lender	NOUN
fsr-3540	230	3	have	have	VERB
fsr-3540	230	4	no	no	DET
fsr-3540	230	5	minimum	minimum	NOUN
fsr-3540	230	6	,	,	PUNCT
fsr-3540	230	7	while	while	SCONJ
fsr-3540	230	8	others	other	NOUN
fsr-3540	230	9	require	require	VERB
fsr-3540	230	10	curtailment	curtailment	ADJ
fsr-3540	230	11	of	of	ADP
fsr-3540	230	12	at	at	ADV
fsr-3540	230	13	least	least	ADV
fsr-3540	230	14	$	$	SYM
fsr-3540	230	15	5,000	5,000	NUM
fsr-3540	230	16	to	to	PART
fsr-3540	230	17	$	$	SYM
fsr-3540	230	18	20,000	20,000	NUM
fsr-3540	230	19	before	before	SCONJ
fsr-3540	230	20	a	a	DET
fsr-3540	230	21	mortgage	mortgage	NOUN
fsr-3540	230	22	can	can	AUX
fsr-3540	230	23	be	be	AUX
fsr-3540	230	24	recast	recast	VERB
fsr-3540	230	25	.	.	PUNCT
fsr-3540	231	1	for	for	ADP
fsr-3540	231	2	mortgages	mortgage	NOUN
fsr-3540	231	3	that	that	PRON
fsr-3540	231	4	do	do	AUX
fsr-3540	231	5	qualify	qualify	VERB
fsr-3540	231	6	for	for	ADP
fsr-3540	231	7	recasting	recast	VERB
fsr-3540	231	8	,	,	PUNCT
fsr-3540	231	9	the	the	DET
fsr-3540	231	10	process	process	NOUN
fsr-3540	231	11	is	be	AUX
fsr-3540	231	12	far	far	ADV
fsr-3540	231	13	simpler	simple	ADJ
fsr-3540	231	14	than	than	ADP
fsr-3540	231	15	refinancing	refinance	VERB
fsr-3540	231	16	.	.	PUNCT
fsr-3540	232	1	the	the	DET
fsr-3540	232	2	required	require	VERB
fsr-3540	232	3	documentation	documentation	NOUN
fsr-3540	232	4	is	be	AUX
fsr-3540	232	5	minimal	minimal	ADJ
fsr-3540	232	6	.	.	PUNCT
fsr-3540	233	1	recast	recast	NOUN
fsr-3540	233	2	applications	application	NOUN
fsr-3540	233	3	we	we	PRON
fsr-3540	233	4	generally	generally	ADV
fsr-3540	233	5	see	see	VERB
fsr-3540	233	6	are	be	AUX
fsr-3540	233	7	1	1	NUM
fsr-3540	233	8	-	-	SYM
fsr-3540	233	9	2	2	NUM
fsr-3540	233	10	pages	page	NOUN
fsr-3540	233	11	long	long	ADV
fsr-3540	233	12	,	,	PUNCT
fsr-3540	233	13	in	in	ADP
fsr-3540	233	14	which	which	PRON
fsr-3540	233	15	most	most	ADJ
fsr-3540	233	16	of	of	ADP
fsr-3540	233	17	the	the	DET
fsr-3540	233	18	content	content	NOUN
fsr-3540	233	19	is	be	AUX
fsr-3540	233	20	generic	generic	ADJ
fsr-3540	233	21	personal	personal	ADJ
fsr-3540	233	22	and	and	CCONJ
fsr-3540	233	23	mortgage	mortgage	NOUN
fsr-3540	233	24	information	information	NOUN
fsr-3540	233	25	.	.	PUNCT
fsr-3540	234	1	additionally	additionally	ADV
fsr-3540	234	2	,	,	PUNCT
fsr-3540	234	3	bank	bank	NOUN
fsr-3540	234	4	fees	fee	NOUN
fsr-3540	234	5	(	(	PUNCT
fsr-3540	234	6	in	in	ADP
fsr-3540	234	7	the	the	DET
fsr-3540	234	8	range	range	NOUN
fsr-3540	234	9	of	of	ADP
fsr-3540	234	10	$	$	SYM
fsr-3540	234	11	150	150	NUM
fsr-3540	234	12	to	to	PART
fsr-3540	234	13	$	$	SYM
fsr-3540	234	14	500	500	NUM
fsr-3540	234	15	)	)	PUNCT
fsr-3540	234	16	are	be	AUX
fsr-3540	234	17	nominal	nominal	ADJ
fsr-3540	234	18	.	.	PUNCT
fsr-3540	235	1	a	a	DET
fsr-3540	235	2	bank	bank	NOUN
fsr-3540	235	3	can	can	AUX
fsr-3540	235	4	limit	limit	VERB
fsr-3540	235	5	the	the	DET
fsr-3540	235	6	number	number	NOUN
fsr-3540	235	7	of	of	ADP
fsr-3540	235	8	times	time	NOUN
fsr-3540	235	9	a	a	DET
fsr-3540	235	10	mortgage	mortgage	NOUN
fsr-3540	235	11	can	can	AUX
fsr-3540	235	12	be	be	AUX
fsr-3540	235	13	recast	recast	VERB
fsr-3540	235	14	,	,	PUNCT
fsr-3540	235	15	so	so	SCONJ
fsr-3540	235	16	borrowers	borrower	NOUN
fsr-3540	235	17	should	should	AUX
fsr-3540	235	18	ask	ask	VERB
fsr-3540	235	19	if	if	SCONJ
fsr-3540	235	20	today	today	NOUN
fsr-3540	235	21	’s	’s	PART
fsr-3540	235	22	decision	decision	NOUN
fsr-3540	235	23	will	will	AUX
fsr-3540	235	24	constrain	constrain	VERB
fsr-3540	235	25	future	future	ADJ
fsr-3540	235	26	opportunities	opportunity	NOUN
fsr-3540	235	27	.	.	PUNCT
fsr-3540	236	1	table	table	NOUN
fsr-3540	236	2	3	3	NUM
fsr-3540	236	3	recasting	recast	VERB
fsr-3540	236	4	and	and	CCONJ
fsr-3540	236	5	allowable	allowable	ADJ
fsr-3540	236	6	mortgage	mortgage	NOUN
fsr-3540	236	7	types	type	NOUN
fsr-3540	236	8	mortgage	mortgage	NOUN
fsr-3540	236	9	type	type	NOUN
fsr-3540	236	10	recast	recast	NOUN
fsr-3540	236	11	allowed	allow	VERB
fsr-3540	236	12	?	?	PUNCT
fsr-3540	237	1	conventional	conventional	ADJ
fsr-3540	237	2	and	and	CCONJ
fsr-3540	237	3	conforming	conform	VERB
fsr-3540	237	4	fannie	fannie	PROPN
fsr-3540	237	5	and	and	CCONJ
fsr-3540	237	6	freddie	freddie	PROPN
fsr-3540	237	7	yes	yes	INTJ
fsr-3540	237	8	government	government	NOUN
fsr-3540	237	9	-	-	PUNCT
fsr-3540	237	10	backed	back	VERB
fsr-3540	237	11	(	(	PUNCT
fsr-3540	237	12	ginnie	ginnie	PROPN
fsr-3540	237	13	)	)	PUNCT
fsr-3540	237	14	fha	fha	PROPN
fsr-3540	237	15	,	,	PUNCT
fsr-3540	237	16	va	va	PROPN
fsr-3540	237	17	,	,	PUNCT
fsr-3540	237	18	pih	pih	PROPN
fsr-3540	237	19	,	,	PUNCT
fsr-3540	237	20	usda	usda	VERB
fsr-3540	237	21	no	no	DET
fsr-3540	237	22	home	home	NOUN
fsr-3540	237	23	equity	equity	NOUN
fsr-3540	237	24	mortgage	mortgage	NOUN
fsr-3540	237	25	/	/	SYM
fsr-3540	237	26	heloc	heloc	PROPN
fsr-3540	237	27	maybe	maybe	ADV
fsr-3540	237	28	lender	lender	NOUN
fsr-3540	237	29	discretion	discretion	NOUN
fsr-3540	237	30	source	source	NOUN
fsr-3540	237	31	:	:	PUNCT
fsr-3540	237	32	treece	treece	PROPN
fsr-3540	237	33	and	and	CCONJ
fsr-3540	237	34	cetera	cetera	NOUN
fsr-3540	237	35	(	(	PUNCT
fsr-3540	237	36	2020	2020	NUM
fsr-3540	237	37	)	)	PUNCT
fsr-3540	237	38	and	and	CCONJ
fsr-3540	237	39	motley	motley	ADJ
fsr-3540	237	40	fool	fool	NOUN
fsr-3540	237	41	(	(	PUNCT
fsr-3540	237	42	2020	2020	NUM
fsr-3540	237	43	)	)	PUNCT
fsr-3540	237	44	.	.	PUNCT
fsr-3540	238	1	204	204	NUM
fsr-3540	238	2	c.	c.	NOUN
fsr-3540	238	3	mcclatchey	mcclatchey	PROPN
fsr-3540	238	4	/	/	SYM
fsr-3540	238	5	financial	financial	ADJ
fsr-3540	238	6	services	service	NOUN
fsr-3540	238	7	review	review	VERB
fsr-3540	238	8	31	31	NUM
fsr-3540	238	9	(	(	PUNCT
fsr-3540	238	10	2023	2023	NUM
fsr-3540	238	11	)	)	PUNCT
fsr-3540	239	1	197–209	197–209	NUM
fsr-3540	239	2	4	4	NUM
fsr-3540	239	3	.	.	PUNCT
fsr-3540	239	4	when	when	SCONJ
fsr-3540	239	5	might	might	AUX
fsr-3540	239	6	a	a	DET
fsr-3540	239	7	recast	recast	NOUN
fsr-3540	239	8	be	be	AUX
fsr-3540	239	9	optimal	optimal	ADJ
fsr-3540	239	10	?	?	PUNCT
fsr-3540	240	1	a	a	DET
fsr-3540	240	2	recast	recast	NOUN
fsr-3540	240	3	is	be	AUX
fsr-3540	240	4	a	a	DET
fsr-3540	240	5	useful	useful	ADJ
fsr-3540	240	6	tool	tool	NOUN
fsr-3540	240	7	for	for	ADP
fsr-3540	240	8	borrowers	borrower	NOUN
fsr-3540	240	9	that	that	PRON
fsr-3540	240	10	previously	previously	ADV
fsr-3540	240	11	paid	pay	VERB
fsr-3540	240	12	additional	additional	ADJ
fsr-3540	240	13	principal	principal	NOUN
fsr-3540	240	14	or	or	CCONJ
fsr-3540	240	15	currently	currently	ADV
fsr-3540	240	16	have	have	VERB
fsr-3540	240	17	funds	fund	NOUN
fsr-3540	240	18	available	available	ADJ
fsr-3540	240	19	to	to	PART
fsr-3540	240	20	make	make	VERB
fsr-3540	240	21	an	an	DET
fsr-3540	240	22	additional	additional	ADJ
fsr-3540	240	23	lump	lump	NOUN
fsr-3540	240	24	sum	sum	NOUN
fsr-3540	240	25	payment	payment	NOUN
fsr-3540	240	26	.	.	PUNCT
fsr-3540	241	1	for	for	ADP
fsr-3540	241	2	this	this	DET
fsr-3540	241	3	subset	subset	NOUN
fsr-3540	241	4	,	,	PUNCT
fsr-3540	241	5	recasting	recast	VERB
fsr-3540	241	6	may	may	AUX
fsr-3540	241	7	be	be	AUX
fsr-3540	241	8	beneficial	beneficial	ADJ
fsr-3540	241	9	for	for	ADP
fsr-3540	241	10	borrowers	borrower	NOUN
fsr-3540	241	11	that	that	SCONJ
fsr-3540	241	12	(	(	PUNCT
fsr-3540	241	13	a	a	X
fsr-3540	241	14	)	)	PUNCT
fsr-3540	241	15	want	want	VERB
fsr-3540	241	16	to	to	PART
fsr-3540	241	17	reduce	reduce	VERB
fsr-3540	241	18	their	their	PRON
fsr-3540	241	19	monthly	monthly	ADJ
fsr-3540	241	20	payment	payment	NOUN
fsr-3540	241	21	,	,	PUNCT
fsr-3540	241	22	rather	rather	ADV
fsr-3540	241	23	than	than	ADP
fsr-3540	241	24	pay	pay	VERB
fsr-3540	241	25	off	off	ADP
fsr-3540	241	26	their	their	PRON
fsr-3540	241	27	mortgage	mortgage	NOUN
fsr-3540	241	28	faster	fast	ADV
fsr-3540	241	29	;	;	PUNCT
fsr-3540	241	30	(	(	PUNCT
fsr-3540	241	31	b	b	X
fsr-3540	241	32	)	)	PUNCT
fsr-3540	241	33	have	have	AUX
fsr-3540	241	34	suffered	suffer	VERB
fsr-3540	241	35	a	a	DET
fsr-3540	241	36	decline	decline	NOUN
fsr-3540	241	37	in	in	ADP
fsr-3540	241	38	their	their	PRON
fsr-3540	241	39	credit	credit	NOUN
fsr-3540	241	40	score	score	NOUN
fsr-3540	241	41	,	,	PUNCT
fsr-3540	241	42	income	income	NOUN
fsr-3540	241	43	,	,	PUNCT
fsr-3540	241	44	or	or	CCONJ
fsr-3540	241	45	assets	asset	NOUN
fsr-3540	241	46	and	and	CCONJ
fsr-3540	241	47	can	can	AUX
fsr-3540	241	48	not	not	PART
fsr-3540	241	49	qualify	qualify	VERB
fsr-3540	241	50	for	for	ADP
fsr-3540	241	51	a	a	DET
fsr-3540	241	52	refinance	refinance	NOUN
fsr-3540	241	53	;	;	PUNCT
fsr-3540	241	54	(	(	PUNCT
fsr-3540	241	55	c	c	X
fsr-3540	241	56	)	)	PUNCT
fsr-3540	241	57	want	want	VERB
fsr-3540	241	58	to	to	PART
fsr-3540	241	59	simultaneously	simultaneously	ADV
fsr-3540	241	60	sell	sell	VERB
fsr-3540	241	61	and	and	CCONJ
fsr-3540	241	62	purchase	purchase	VERB
fsr-3540	241	63	a	a	DET
fsr-3540	241	64	new	new	ADJ
fsr-3540	241	65	home	home	NOUN
fsr-3540	241	66	,	,	PUNCT
fsr-3540	241	67	particularly	particularly	ADV
fsr-3540	241	68	in	in	ADP
fsr-3540	241	69	a	a	DET
fsr-3540	241	70	competitive	competitive	ADJ
fsr-3540	241	71	market	market	NOUN
fsr-3540	241	72	;	;	PUNCT
fsr-3540	241	73	(	(	PUNCT
fsr-3540	241	74	d	d	X
fsr-3540	241	75	)	)	PUNCT
fsr-3540	241	76	have	have	VERB
fsr-3540	241	77	an	an	DET
fsr-3540	241	78	original	original	ADJ
fsr-3540	241	79	mortgage	mortgage	NOUN
fsr-3540	241	80	rate	rate	NOUN
fsr-3540	241	81	more	more	ADV
fsr-3540	241	82	competitive	competitive	ADJ
fsr-3540	241	83	than	than	ADP
fsr-3540	241	84	current	current	ADJ
fsr-3540	241	85	rates	rate	NOUN
fsr-3540	241	86	;	;	PUNCT
fsr-3540	241	87	or	or	CCONJ
fsr-3540	241	88	(	(	PUNCT
fsr-3540	241	89	e	e	NOUN
fsr-3540	241	90	)	)	PUNCT
fsr-3540	241	91	want	want	VERB
fsr-3540	241	92	to	to	PART
fsr-3540	241	93	eliminate	eliminate	VERB
fsr-3540	241	94	private	private	ADJ
fsr-3540	241	95	mortgage	mortgage	NOUN
fsr-3540	241	96	insurance	insurance	NOUN
fsr-3540	241	97	(	(	PUNCT
fsr-3540	241	98	pmi	pmi	PROPN
fsr-3540	241	99	)	)	PUNCT
fsr-3540	241	100	early	early	ADV
fsr-3540	241	101	.	.	PUNCT
fsr-3540	242	1	to	to	PART
fsr-3540	242	2	illustrate	illustrate	VERB
fsr-3540	242	3	,	,	PUNCT
fsr-3540	242	4	we	we	PRON
fsr-3540	242	5	consider	consider	VERB
fsr-3540	242	6	five	five	NUM
fsr-3540	242	7	fictitious	fictitious	ADJ
fsr-3540	242	8	clients	client	NOUN
fsr-3540	242	9	.	.	PUNCT
fsr-3540	243	1	4.1	4.1	NUM
fsr-3540	243	2	.	.	PUNCT
fsr-3540	243	3	client	client	NOUN
fsr-3540	243	4	1	1	NUM
fsr-3540	243	5	–	–	PUNCT
fsr-3540	243	6	i	i	PRON
fsr-3540	243	7	recently	recently	ADV
fsr-3540	243	8	received	receive	VERB
fsr-3540	243	9	a	a	DET
fsr-3540	243	10	one	one	NUM
fsr-3540	243	11	-	-	PUNCT
fsr-3540	243	12	time	time	NOUN
fsr-3540	243	13	“	"	PUNCT
fsr-3540	243	14	windfall	windfall	NOUN
fsr-3540	243	15	”	"	PUNCT
fsr-3540	243	16	from	from	ADP
fsr-3540	243	17	time	time	NOUN
fsr-3540	243	18	-	-	PUNCT
fsr-3540	243	19	to	to	ADP
fsr-3540	243	20	-	-	PUNCT
fsr-3540	243	21	time	time	NOUN
fsr-3540	243	22	,	,	PUNCT
fsr-3540	243	23	individuals	individual	NOUN
fsr-3540	243	24	or	or	CCONJ
fsr-3540	243	25	families	family	NOUN
fsr-3540	243	26	may	may	AUX
fsr-3540	243	27	receive	receive	VERB
fsr-3540	243	28	an	an	DET
fsr-3540	243	29	unusual	unusual	ADJ
fsr-3540	243	30	one	one	NUM
fsr-3540	243	31	-	-	PUNCT
fsr-3540	243	32	time	time	NOUN
fsr-3540	243	33	cash	cash	NOUN
fsr-3540	243	34	inflow	inflow	NOUN
fsr-3540	243	35	.	.	PUNCT
fsr-3540	244	1	some	some	PRON
fsr-3540	244	2	may	may	AUX
fsr-3540	244	3	be	be	AUX
fsr-3540	244	4	anticipated	anticipate	VERB
fsr-3540	244	5	,	,	PUNCT
fsr-3540	244	6	such	such	ADJ
fsr-3540	244	7	as	as	ADP
fsr-3540	244	8	an	an	DET
fsr-3540	244	9	annual	annual	ADJ
fsr-3540	244	10	tax	tax	NOUN
fsr-3540	244	11	refund	refund	NOUN
fsr-3540	244	12	,	,	PUNCT
fsr-3540	244	13	while	while	SCONJ
fsr-3540	244	14	others	other	NOUN
fsr-3540	244	15	are	be	AUX
fsr-3540	244	16	unexpected	unexpected	ADJ
fsr-3540	244	17	like	like	ADP
fsr-3540	244	18	a	a	DET
fsr-3540	244	19	work	work	NOUN
fsr-3540	244	20	bonus	bonus	NOUN
fsr-3540	244	21	,	,	PUNCT
fsr-3540	244	22	inheritance	inheritance	NOUN
fsr-3540	244	23	,	,	PUNCT
fsr-3540	244	24	or	or	CCONJ
fsr-3540	244	25	even	even	ADV
fsr-3540	244	26	gambling	gambling	NOUN
fsr-3540	244	27	winnings	winning	NOUN
fsr-3540	244	28	.	.	PUNCT
fsr-3540	245	1	refinancing	refinance	VERB
fsr-3540	245	2	(	(	PUNCT
fsr-3540	245	3	alt-1	alt-1	X
fsr-3540	245	4	)	)	PUNCT
fsr-3540	245	5	does	do	AUX
fsr-3540	245	6	not	not	PART
fsr-3540	245	7	require	require	VERB
fsr-3540	245	8	additional	additional	ADJ
fsr-3540	245	9	money	money	NOUN
fsr-3540	245	10	be	be	AUX
fsr-3540	245	11	paid	pay	VERB
fsr-3540	245	12	on	on	ADP
fsr-3540	245	13	the	the	DET
fsr-3540	245	14	original	original	ADJ
fsr-3540	245	15	mortgage	mortgage	NOUN
fsr-3540	245	16	(	(	PUNCT
fsr-3540	245	17	so	so	ADV
fsr-3540	245	18	a	a	DET
fsr-3540	245	19	one	one	NUM
fsr-3540	245	20	-	-	PUNCT
fsr-3540	245	21	time	time	NOUN
fsr-3540	245	22	windfall	windfall	NOUN
fsr-3540	245	23	by	by	ADP
fsr-3540	245	24	itself	itself	PRON
fsr-3540	245	25	would	would	AUX
fsr-3540	245	26	not	not	PART
fsr-3540	245	27	trigger	trigger	VERB
fsr-3540	245	28	a	a	DET
fsr-3540	245	29	refinance	refinance	NOUN
fsr-3540	245	30	)	)	PUNCT
fsr-3540	245	31	,	,	PUNCT
fsr-3540	245	32	but	but	CCONJ
fsr-3540	245	33	if	if	SCONJ
fsr-3540	245	34	current	current	ADJ
fsr-3540	245	35	interest	interest	NOUN
fsr-3540	245	36	rates	rate	NOUN
fsr-3540	245	37	are	be	AUX
fsr-3540	245	38	lower	low	ADJ
fsr-3540	245	39	than	than	ADP
fsr-3540	245	40	the	the	DET
fsr-3540	245	41	original	original	ADJ
fsr-3540	245	42	mortgage	mortgage	NOUN
fsr-3540	245	43	rate	rate	NOUN
fsr-3540	245	44	,	,	PUNCT
fsr-3540	245	45	one	one	PRON
fsr-3540	245	46	could	could	AUX
fsr-3540	245	47	capitalize	capitalize	VERB
fsr-3540	245	48	on	on	ADP
fsr-3540	245	49	the	the	DET
fsr-3540	245	50	opportunity	opportunity	NOUN
fsr-3540	245	51	to	to	PART
fsr-3540	245	52	both	both	CCONJ
fsr-3540	245	53	lower	lower	VERB
fsr-3540	245	54	the	the	DET
fsr-3540	245	55	principal	principal	ADJ
fsr-3540	245	56	amount	amount	NOUN
fsr-3540	245	57	and	and	CCONJ
fsr-3540	245	58	lock	lock	NOUN
fsr-3540	245	59	in	in	ADP
fsr-3540	245	60	a	a	DET
fsr-3540	245	61	lower	low	ADJ
fsr-3540	245	62	rate	rate	NOUN
fsr-3540	245	63	.	.	PUNCT
fsr-3540	246	1	this	this	DET
fsr-3540	246	2	option	option	NOUN
fsr-3540	246	3	may	may	AUX
fsr-3540	246	4	not	not	PART
fsr-3540	246	5	be	be	AUX
fsr-3540	246	6	optimal	optimal	ADJ
fsr-3540	246	7	for	for	ADP
fsr-3540	246	8	borrowers	borrower	NOUN
fsr-3540	246	9	for	for	ADP
fsr-3540	246	10	which	which	PRON
fsr-3540	246	11	the	the	DET
fsr-3540	246	12	lower	low	ADJ
fsr-3540	246	13	rate	rate	NOUN
fsr-3540	246	14	is	be	AUX
fsr-3540	246	15	insufficient	insufficient	ADJ
fsr-3540	246	16	to	to	PART
fsr-3540	246	17	satisfy	satisfy	VERB
fsr-3540	246	18	their	their	PRON
fsr-3540	246	19	breakeven	breakeven	ADJ
fsr-3540	246	20	calculation	calculation	NOUN
fsr-3540	246	21	(	(	PUNCT
fsr-3540	246	22	fortin	fortin	PROPN
fsr-3540	246	23	et	et	PROPN
fsr-3540	246	24	al	al	PROPN
fsr-3540	246	25	.	.	PROPN
fsr-3540	246	26	,	,	PUNCT
fsr-3540	246	27	2007	2007	NUM
fsr-3540	246	28	)	)	PUNCT
fsr-3540	246	29	or	or	CCONJ
fsr-3540	246	30	for	for	ADP
fsr-3540	246	31	those	those	PRON
fsr-3540	246	32	who	who	PRON
fsr-3540	246	33	are	be	AUX
fsr-3540	246	34	unable	unable	ADJ
fsr-3540	246	35	to	to	PART
fsr-3540	246	36	qualify	qualify	VERB
fsr-3540	246	37	for	for	ADP
fsr-3540	246	38	a	a	DET
fsr-3540	246	39	new	new	ADJ
fsr-3540	246	40	mortgage	mortgage	NOUN
fsr-3540	246	41	due	due	ADP
fsr-3540	246	42	to	to	ADP
fsr-3540	246	43	a	a	DET
fsr-3540	246	44	change	change	NOUN
fsr-3540	246	45	in	in	ADP
fsr-3540	246	46	circumstances	circumstance	NOUN
fsr-3540	246	47	(	(	PUNCT
fsr-3540	246	48	income	income	NOUN
fsr-3540	246	49	,	,	PUNCT
fsr-3540	246	50	credit	credit	NOUN
fsr-3540	246	51	score	score	NOUN
fsr-3540	246	52	,	,	PUNCT
fsr-3540	246	53	and	and	CCONJ
fsr-3540	246	54	debt	debt	NOUN
fsr-3540	246	55	/	/	SYM
fsr-3540	246	56	income	income	NOUN
fsr-3540	246	57	ratio	ratio	NOUN
fsr-3540	246	58	)	)	PUNCT
fsr-3540	246	59	.	.	PUNCT
fsr-3540	247	1	paying	pay	VERB
fsr-3540	247	2	additional	additional	ADJ
fsr-3540	247	3	principal	principal	NOUN
fsr-3540	247	4	(	(	PUNCT
fsr-3540	247	5	alt-2	alt-2	X
fsr-3540	247	6	)	)	PUNCT
fsr-3540	247	7	will	will	AUX
fsr-3540	247	8	leave	leave	VERB
fsr-3540	247	9	monthly	monthly	ADJ
fsr-3540	247	10	payments	payment	NOUN
fsr-3540	247	11	unchanged	unchanged	ADJ
fsr-3540	247	12	but	but	CCONJ
fsr-3540	247	13	shorten	shorten	VERB
fsr-3540	247	14	the	the	DET
fsr-3540	247	15	mortgage	mortgage	NOUN
fsr-3540	247	16	’s	’s	PART
fsr-3540	247	17	effective	effective	ADJ
fsr-3540	247	18	maturity	maturity	NOUN
fsr-3540	247	19	.	.	PUNCT
fsr-3540	248	1	recasting	recast	VERB
fsr-3540	248	2	(	(	PUNCT
fsr-3540	248	3	alt-3	alt-3	ADV
fsr-3540	248	4	)	)	PUNCT
fsr-3540	248	5	lowers	lower	VERB
fsr-3540	248	6	the	the	DET
fsr-3540	248	7	monthly	monthly	ADJ
fsr-3540	248	8	payment	payment	NOUN
fsr-3540	248	9	but	but	CCONJ
fsr-3540	248	10	keeps	keep	VERB
fsr-3540	248	11	the	the	DET
fsr-3540	248	12	original	original	ADJ
fsr-3540	248	13	maturity	maturity	NOUN
fsr-3540	248	14	date	date	NOUN
fsr-3540	248	15	.	.	PUNCT
fsr-3540	249	1	at	at	ADP
fsr-3540	249	2	first	first	ADJ
fsr-3540	249	3	glance	glance	NOUN
fsr-3540	249	4	,	,	PUNCT
fsr-3540	249	5	the	the	DET
fsr-3540	249	6	decision	decision	NOUN
fsr-3540	249	7	appears	appear	VERB
fsr-3540	249	8	to	to	PART
fsr-3540	249	9	be	be	AUX
fsr-3540	249	10	borrower	borrower	NOUN
fsr-3540	249	11	-	-	PUNCT
fsr-3540	249	12	specific	specific	ADJ
fsr-3540	249	13	;	;	PUNCT
fsr-3540	249	14	that	that	PRON
fsr-3540	249	15	is	is	ADV
fsr-3540	249	16	,	,	PUNCT
fsr-3540	249	17	each	each	DET
fsr-3540	249	18	borrower	borrower	NOUN
fsr-3540	249	19	would	would	AUX
fsr-3540	249	20	have	have	VERB
fsr-3540	249	21	to	to	PART
fsr-3540	249	22	choose	choose	VERB
fsr-3540	249	23	whether	whether	SCONJ
fsr-3540	249	24	receiving	receive	VERB
fsr-3540	249	25	the	the	DET
fsr-3540	249	26	benefit	benefit	NOUN
fsr-3540	249	27	later	later	ADV
fsr-3540	249	28	(	(	PUNCT
fsr-3540	249	29	alt-2	alt-2	X
fsr-3540	249	30	)	)	PUNCT
fsr-3540	249	31	or	or	CCONJ
fsr-3540	249	32	now	now	ADV
fsr-3540	249	33	(	(	PUNCT
fsr-3540	249	34	alt-3	alt-3	NOUN
fsr-3540	249	35	)	)	PUNCT
fsr-3540	249	36	is	be	AUX
fsr-3540	249	37	best	good	ADJ
fsr-3540	249	38	for	for	ADP
fsr-3540	249	39	them	they	PRON
fsr-3540	249	40	.	.	PUNCT
fsr-3540	250	1	however	however	ADV
fsr-3540	250	2	,	,	PUNCT
fsr-3540	250	3	a	a	DET
fsr-3540	250	4	recast	recast	NOUN
fsr-3540	250	5	carries	carry	VERB
fsr-3540	250	6	a	a	DET
fsr-3540	250	7	valuable	valuable	ADJ
fsr-3540	250	8	option	option	NOUN
fsr-3540	250	9	that	that	PRON
fsr-3540	250	10	paying	pay	VERB
fsr-3540	250	11	additional	additional	ADJ
fsr-3540	250	12	principal	principal	NOUN
fsr-3540	250	13	does	do	VERB
fsr-3540	250	14	not	not	PART
fsr-3540	250	15	.	.	PUNCT
fsr-3540	251	1	if	if	SCONJ
fsr-3540	251	2	a	a	DET
fsr-3540	251	3	borrower	borrower	NOUN
fsr-3540	251	4	recasts	recast	VERB
fsr-3540	251	5	,	,	PUNCT
fsr-3540	251	6	they	they	PRON
fsr-3540	251	7	can	can	AUX
fsr-3540	251	8	enjoy	enjoy	VERB
fsr-3540	251	9	a	a	DET
fsr-3540	251	10	lower	low	ADJ
fsr-3540	251	11	required	require	VERB
fsr-3540	251	12	minimum	minimum	ADJ
fsr-3540	251	13	monthly	monthly	ADJ
fsr-3540	251	14	payment	payment	NOUN
fsr-3540	251	15	,	,	PUNCT
fsr-3540	251	16	and	and	CCONJ
fsr-3540	251	17	still	still	ADV
fsr-3540	251	18	retain	retain	VERB
fsr-3540	251	19	the	the	DET
fsr-3540	251	20	option	option	NOUN
fsr-3540	251	21	to	to	PART
fsr-3540	251	22	pay	pay	VERB
fsr-3540	251	23	a	a	DET
fsr-3540	251	24	higher	high	ADJ
fsr-3540	251	25	monthly	monthly	ADJ
fsr-3540	251	26	amount	amount	NOUN
fsr-3540	251	27	and	and	CCONJ
fsr-3540	251	28	shorten	shorten	VERB
fsr-3540	251	29	the	the	DET
fsr-3540	251	30	mortgage	mortgage	NOUN
fsr-3540	251	31	’s	’s	PART
fsr-3540	251	32	effective	effective	ADJ
fsr-3540	251	33	maturity	maturity	NOUN
fsr-3540	251	34	.	.	PUNCT
fsr-3540	252	1	the	the	DET
fsr-3540	252	2	cost	cost	NOUN
fsr-3540	252	3	of	of	ADP
fsr-3540	252	4	recasting	recast	VERB
fsr-3540	252	5	(	(	PUNCT
fsr-3540	252	6	again	again	ADV
fsr-3540	252	7	,	,	PUNCT
fsr-3540	252	8	relatively	relatively	ADV
fsr-3540	252	9	small	small	ADJ
fsr-3540	252	10	)	)	PUNCT
fsr-3540	252	11	can	can	AUX
fsr-3540	252	12	be	be	AUX
fsr-3540	252	13	likened	liken	VERB
fsr-3540	252	14	to	to	ADP
fsr-3540	252	15	the	the	DET
fsr-3540	252	16	purchase	purchase	NOUN
fsr-3540	252	17	price	price	NOUN
fsr-3540	252	18	of	of	ADP
fsr-3540	252	19	a	a	DET
fsr-3540	252	20	call	call	NOUN
fsr-3540	252	21	option	option	NOUN
fsr-3540	252	22	that	that	PRON
fsr-3540	252	23	provides	provide	VERB
fsr-3540	252	24	the	the	DET
fsr-3540	252	25	homeowner	homeowner	NOUN
fsr-3540	252	26	additional	additional	ADJ
fsr-3540	252	27	flexibility	flexibility	NOUN
fsr-3540	252	28	in	in	ADP
fsr-3540	252	29	the	the	DET
fsr-3540	252	30	future	future	NOUN
fsr-3540	252	31	,	,	PUNCT
fsr-3540	252	32	should	should	AUX
fsr-3540	252	33	it	it	PRON
fsr-3540	252	34	become	become	VERB
fsr-3540	252	35	valuable	valuable	ADJ
fsr-3540	252	36	.	.	PUNCT
fsr-3540	253	1	4.2	4.2	NUM
fsr-3540	253	2	.	.	PUNCT
fsr-3540	253	3	client	client	NOUN
fsr-3540	253	4	2	2	NUM
fsr-3540	253	5	–	–	PUNCT
fsr-3540	253	6	i	i	PRON
fsr-3540	253	7	am	be	AUX
fsr-3540	253	8	closing	close	VERB
fsr-3540	253	9	on	on	ADP
fsr-3540	253	10	my	my	PRON
fsr-3540	253	11	new	new	ADJ
fsr-3540	253	12	home	home	NOUN
fsr-3540	253	13	,	,	PUNCT
fsr-3540	253	14	but	but	CCONJ
fsr-3540	253	15	before	before	ADP
fsr-3540	253	16	selling	sell	VERB
fsr-3540	253	17	my	my	PRON
fsr-3540	253	18	existing	exist	VERB
fsr-3540	253	19	home	home	NOUN
fsr-3540	253	20	purchasing	purchase	VERB
fsr-3540	253	21	a	a	DET
fsr-3540	253	22	new	new	ADJ
fsr-3540	253	23	home	home	NOUN
fsr-3540	253	24	and	and	CCONJ
fsr-3540	253	25	moving	move	VERB
fsr-3540	253	26	entails	entail	VERB
fsr-3540	253	27	many	many	ADJ
fsr-3540	253	28	stressful	stressful	ADJ
fsr-3540	253	29	logistics	logistic	NOUN
fsr-3540	253	30	.	.	PUNCT
fsr-3540	254	1	for	for	ADP
fsr-3540	254	2	renters	renter	NOUN
fsr-3540	254	3	,	,	PUNCT
fsr-3540	254	4	the	the	DET
fsr-3540	254	5	difficulty	difficulty	NOUN
fsr-3540	254	6	of	of	ADP
fsr-3540	254	7	the	the	DET
fsr-3540	254	8	transaction	transaction	NOUN
fsr-3540	254	9	is	be	AUX
fsr-3540	254	10	certainly	certainly	ADV
fsr-3540	254	11	reduced	reduce	VERB
fsr-3540	254	12	,	,	PUNCT
fsr-3540	254	13	but	but	CCONJ
fsr-3540	254	14	for	for	ADP
fsr-3540	254	15	those	those	PRON
fsr-3540	254	16	trying	try	VERB
fsr-3540	254	17	to	to	PART
fsr-3540	254	18	sell	sell	VERB
fsr-3540	254	19	an	an	DET
fsr-3540	254	20	existing	exist	VERB
fsr-3540	254	21	home	home	NOUN
fsr-3540	254	22	at	at	ADP
fsr-3540	254	23	the	the	DET
fsr-3540	254	24	same	same	ADJ
fsr-3540	254	25	time	time	NOUN
fsr-3540	254	26	they	they	PRON
fsr-3540	254	27	are	be	AUX
fsr-3540	254	28	trying	try	VERB
fsr-3540	254	29	to	to	PART
fsr-3540	254	30	purchase	purchase	VERB
fsr-3540	254	31	a	a	DET
fsr-3540	254	32	new	new	ADJ
fsr-3540	254	33	one	one	NOUN
fsr-3540	254	34	,	,	PUNCT
fsr-3540	254	35	the	the	DET
fsr-3540	254	36	complexity	complexity	NOUN
fsr-3540	254	37	of	of	ADP
fsr-3540	254	38	the	the	DET
fsr-3540	254	39	transaction	transaction	NOUN
fsr-3540	254	40	quickly	quickly	ADV
fsr-3540	254	41	escalates	escalate	VERB
fsr-3540	254	42	,	,	PUNCT
fsr-3540	254	43	especially	especially	ADV
fsr-3540	254	44	in	in	ADP
fsr-3540	254	45	a	a	DET
fsr-3540	254	46	competitive	competitive	ADJ
fsr-3540	254	47	real	real	ADJ
fsr-3540	254	48	estate	estate	NOUN
fsr-3540	254	49	market	market	NOUN
fsr-3540	254	50	(	(	PUNCT
fsr-3540	254	51	lerner	lerner	PROPN
fsr-3540	254	52	,	,	PUNCT
fsr-3540	254	53	2021	2021	NUM
fsr-3540	254	54	)	)	PUNCT
fsr-3540	254	55	.	.	PUNCT
fsr-3540	255	1	buyers	buyer	NOUN
fsr-3540	255	2	can	can	AUX
fsr-3540	255	3	submit	submit	VERB
fsr-3540	255	4	an	an	DET
fsr-3540	255	5	offer	offer	NOUN
fsr-3540	255	6	contingent	contingent	NOUN
fsr-3540	255	7	on	on	ADP
fsr-3540	255	8	the	the	DET
fsr-3540	255	9	sale	sale	NOUN
fsr-3540	255	10	of	of	ADP
fsr-3540	255	11	their	their	PRON
fsr-3540	255	12	existing	exist	VERB
fsr-3540	255	13	home	home	NOUN
fsr-3540	255	14	,	,	PUNCT
fsr-3540	255	15	although	although	SCONJ
fsr-3540	255	16	most	most	ADJ
fsr-3540	255	17	sellers	seller	NOUN
fsr-3540	255	18	would	would	AUX
fsr-3540	255	19	prioritize	prioritize	VERB
fsr-3540	255	20	offers	offer	NOUN
fsr-3540	255	21	without	without	ADP
fsr-3540	255	22	a	a	DET
fsr-3540	255	23	contingency	contingency	NOUN
fsr-3540	255	24	to	to	PART
fsr-3540	255	25	ensure	ensure	VERB
fsr-3540	255	26	the	the	DET
fsr-3540	255	27	contract	contract	NOUN
fsr-3540	255	28	does	do	AUX
fsr-3540	255	29	not	not	PART
fsr-3540	255	30	fall	fall	VERB
fsr-3540	255	31	through	through	ADP
fsr-3540	255	32	.	.	PUNCT
fsr-3540	256	1	strong	strong	ADJ
fsr-3540	256	2	buyers	buyer	NOUN
fsr-3540	256	3	that	that	PRON
fsr-3540	256	4	can	can	AUX
fsr-3540	256	5	qualify	qualify	VERB
fsr-3540	256	6	to	to	PART
fsr-3540	256	7	carry	carry	VERB
fsr-3540	256	8	two	two	NUM
fsr-3540	256	9	mortgage	mortgage	NOUN
fsr-3540	256	10	payments	payment	NOUN
fsr-3540	256	11	for	for	ADP
fsr-3540	256	12	a	a	DET
fsr-3540	256	13	short	short	ADJ
fsr-3540	256	14	period	period	NOUN
fsr-3540	256	15	of	of	ADP
fsr-3540	256	16	time	time	NOUN
fsr-3540	256	17	could	could	AUX
fsr-3540	256	18	c.	c.	PROPN
fsr-3540	256	19	mcclatchey	mcclatchey	PROPN
fsr-3540	256	20	/	/	SYM
fsr-3540	256	21	financial	financial	ADJ
fsr-3540	256	22	services	service	NOUN
fsr-3540	256	23	review	review	VERB
fsr-3540	256	24	31	31	NUM
fsr-3540	256	25	(	(	PUNCT
fsr-3540	256	26	2023	2023	NUM
fsr-3540	256	27	)	)	PUNCT
fsr-3540	257	1	197–209	197–209	NUM
fsr-3540	257	2	205	205	NUM
fsr-3540	257	3	close	close	ADV
fsr-3540	257	4	on	on	ADP
fsr-3540	257	5	the	the	DET
fsr-3540	257	6	new	new	ADJ
fsr-3540	257	7	home	home	NOUN
fsr-3540	257	8	before	before	ADP
fsr-3540	257	9	selling	sell	VERB
fsr-3540	257	10	their	their	PRON
fsr-3540	257	11	existing	exist	VERB
fsr-3540	257	12	home	home	NOUN
fsr-3540	257	13	.	.	PUNCT
fsr-3540	258	1	once	once	SCONJ
fsr-3540	258	2	the	the	DET
fsr-3540	258	3	original	original	ADJ
fsr-3540	258	4	home	home	NOUN
fsr-3540	258	5	sells	sell	NOUN
fsr-3540	258	6	,	,	PUNCT
fsr-3540	258	7	the	the	DET
fsr-3540	258	8	proceeds	proceed	NOUN
fsr-3540	258	9	can	can	AUX
fsr-3540	258	10	be	be	AUX
fsr-3540	258	11	used	use	VERB
fsr-3540	258	12	to	to	PART
fsr-3540	258	13	initiate	initiate	VERB
fsr-3540	258	14	a	a	DET
fsr-3540	258	15	refinance	refinance	NOUN
fsr-3540	258	16	(	(	PUNCT
fsr-3540	258	17	alt-1	alt-1	X
fsr-3540	258	18	)	)	PUNCT
fsr-3540	258	19	or	or	CCONJ
fsr-3540	258	20	a	a	DET
fsr-3540	258	21	recast	recast	NOUN
fsr-3540	258	22	(	(	PUNCT
fsr-3540	258	23	alt-3	alt-3	NOUN
fsr-3540	258	24	)	)	PUNCT
fsr-3540	258	25	to	to	PART
fsr-3540	258	26	reduce	reduce	VERB
fsr-3540	258	27	the	the	DET
fsr-3540	258	28	new	new	ADJ
fsr-3540	258	29	mortgage	mortgage	NOUN
fsr-3540	258	30	’s	’s	PART
fsr-3540	258	31	monthly	monthly	ADJ
fsr-3540	258	32	payment	payment	NOUN
fsr-3540	258	33	during	during	ADP
fsr-3540	258	34	its	its	PRON
fsr-3540	258	35	remaining	remain	VERB
fsr-3540	258	36	term	term	NOUN
fsr-3540	258	37	.	.	PUNCT
fsr-3540	259	1	alt-1	alt-1	PUNCT
fsr-3540	259	2	would	would	AUX
fsr-3540	259	3	be	be	AUX
fsr-3540	259	4	very	very	ADV
fsr-3540	259	5	expensive	expensive	ADJ
fsr-3540	259	6	as	as	SCONJ
fsr-3540	259	7	it	it	PRON
fsr-3540	259	8	would	would	AUX
fsr-3540	259	9	trigger	trigger	VERB
fsr-3540	259	10	a	a	DET
fsr-3540	259	11	new	new	ADJ
fsr-3540	259	12	set	set	NOUN
fsr-3540	259	13	of	of	ADP
fsr-3540	259	14	closing	closing	NOUN
fsr-3540	259	15	costs	cost	NOUN
fsr-3540	259	16	and	and	CCONJ
fsr-3540	259	17	subject	subject	VERB
fsr-3540	259	18	the	the	DET
fsr-3540	259	19	borrower	borrower	NOUN
fsr-3540	259	20	to	to	ADP
fsr-3540	259	21	additional	additional	ADJ
fsr-3540	259	22	underwriting	underwriting	NOUN
fsr-3540	259	23	scrutiny	scrutiny	NOUN
fsr-3540	259	24	.	.	PUNCT
fsr-3540	260	1	alt-3	alt-3	NOUN
fsr-3540	260	2	appears	appear	VERB
fsr-3540	260	3	superior	superior	ADJ
fsr-3540	260	4	–	–	PUNCT
fsr-3540	260	5	just	just	ADV
fsr-3540	260	6	pay	pay	VERB
fsr-3540	260	7	the	the	DET
fsr-3540	260	8	nominal	nominal	ADJ
fsr-3540	260	9	recast	recast	NOUN
fsr-3540	260	10	fee	fee	NOUN
fsr-3540	260	11	.	.	PUNCT
fsr-3540	261	1	4.3	4.3	NUM
fsr-3540	261	2	.	.	PUNCT
fsr-3540	261	3	client	client	NOUN
fsr-3540	261	4	3	3	NUM
fsr-3540	261	5	–	–	PUNCT
fsr-3540	261	6	can	can	AUX
fsr-3540	261	7	i	i	PRON
fsr-3540	261	8	afford	afford	VERB
fsr-3540	261	9	to	to	PART
fsr-3540	261	10	retire	retire	VERB
fsr-3540	261	11	or	or	CCONJ
fsr-3540	261	12	even	even	ADV
fsr-3540	261	13	retire	retire	VERB
fsr-3540	261	14	early	early	ADV
fsr-3540	261	15	?	?	PUNCT
fsr-3540	262	1	for	for	ADP
fsr-3540	262	2	many	many	ADJ
fsr-3540	262	3	households	household	NOUN
fsr-3540	262	4	,	,	PUNCT
fsr-3540	262	5	monthly	monthly	ADJ
fsr-3540	262	6	income	income	NOUN
fsr-3540	262	7	declines	decline	VERB
fsr-3540	262	8	at	at	ADP
fsr-3540	262	9	retirement	retirement	NOUN
fsr-3540	262	10	.	.	PUNCT
fsr-3540	263	1	social	social	ADJ
fsr-3540	263	2	security	security	NOUN
fsr-3540	263	3	benefits	benefit	NOUN
fsr-3540	263	4	are	be	AUX
fsr-3540	263	5	payable	payable	ADJ
fsr-3540	263	6	as	as	ADV
fsr-3540	263	7	early	early	ADV
fsr-3540	263	8	as	as	ADP
fsr-3540	263	9	age	age	NOUN
fsr-3540	263	10	62	62	NUM
fsr-3540	263	11	but	but	CCONJ
fsr-3540	263	12	are	be	AUX
fsr-3540	263	13	29	29	NUM
fsr-3540	263	14	%	%	NOUN
fsr-3540	263	15	lower	low	ADJ
fsr-3540	263	16	than	than	ADP
fsr-3540	263	17	full	full	ADJ
fsr-3540	263	18	benefits	benefit	NOUN
fsr-3540	263	19	at	at	ADP
fsr-3540	263	20	age	age	NOUN
fsr-3540	263	21	67	67	NUM
fsr-3540	263	22	(	(	PUNCT
fsr-3540	263	23	social	social	ADJ
fsr-3540	263	24	security	security	NOUN
fsr-3540	263	25	administration	administration	NOUN
fsr-3540	263	26	,	,	PUNCT
fsr-3540	263	27	2022	2022	NUM
fsr-3540	263	28	)	)	PUNCT
fsr-3540	263	29	.	.	PUNCT
fsr-3540	264	1	while	while	SCONJ
fsr-3540	264	2	some	some	PRON
fsr-3540	264	3	may	may	AUX
fsr-3540	264	4	have	have	VERB
fsr-3540	264	5	supplemental	supplemental	ADJ
fsr-3540	264	6	sources	source	NOUN
fsr-3540	264	7	of	of	ADP
fsr-3540	264	8	income	income	NOUN
fsr-3540	264	9	,	,	PUNCT
fsr-3540	264	10	like	like	ADP
fsr-3540	264	11	withdrawals	withdrawal	NOUN
fsr-3540	264	12	from	from	ADP
fsr-3540	264	13	a	a	DET
fsr-3540	264	14	401k	401k	NOUN
fsr-3540	264	15	or	or	CCONJ
fsr-3540	264	16	income	income	NOUN
fsr-3540	264	17	from	from	ADP
fsr-3540	264	18	rental	rental	ADJ
fsr-3540	264	19	properties	property	NOUN
fsr-3540	264	20	,	,	PUNCT
fsr-3540	264	21	reducing	reduce	VERB
fsr-3540	264	22	monthly	monthly	ADJ
fsr-3540	264	23	expenses	expense	NOUN
fsr-3540	264	24	may	may	AUX
fsr-3540	264	25	be	be	AUX
fsr-3540	264	26	helpful	helpful	ADJ
fsr-3540	264	27	to	to	PART
fsr-3540	264	28	maintain	maintain	VERB
fsr-3540	264	29	one	one	NUM
fsr-3540	264	30	’s	’s	PART
fsr-3540	264	31	standard	standard	NOUN
fsr-3540	264	32	of	of	ADP
fsr-3540	264	33	living	living	NOUN
fsr-3540	264	34	,	,	PUNCT
fsr-3540	264	35	or	or	CCONJ
fsr-3540	264	36	even	even	ADV
fsr-3540	264	37	present	present	VERB
fsr-3540	264	38	the	the	DET
fsr-3540	264	39	option	option	NOUN
fsr-3540	264	40	to	to	PART
fsr-3540	264	41	retire	retire	VERB
fsr-3540	264	42	early	early	ADV
fsr-3540	264	43	.	.	PUNCT
fsr-3540	265	1	refinancing	refinance	VERB
fsr-3540	265	2	(	(	PUNCT
fsr-3540	265	3	alt-1	alt-1	ADV
fsr-3540	265	4	)	)	PUNCT
fsr-3540	265	5	is	be	AUX
fsr-3540	265	6	only	only	ADV
fsr-3540	265	7	advantageous	advantageous	ADJ
fsr-3540	265	8	if	if	SCONJ
fsr-3540	265	9	rates	rate	NOUN
fsr-3540	265	10	have	have	AUX
fsr-3540	265	11	declined	decline	VERB
fsr-3540	265	12	or	or	CCONJ
fsr-3540	265	13	at	at	ADP
fsr-3540	265	14	least	least	ADJ
fsr-3540	265	15	remained	remain	VERB
fsr-3540	265	16	flat	flat	ADJ
fsr-3540	265	17	,	,	PUNCT
fsr-3540	265	18	the	the	DET
fsr-3540	265	19	breakeven	breakeven	ADJ
fsr-3540	265	20	period	period	NOUN
fsr-3540	265	21	can	can	AUX
fsr-3540	265	22	be	be	AUX
fsr-3540	265	23	met	meet	VERB
fsr-3540	265	24	,	,	PUNCT
fsr-3540	265	25	and	and	CCONJ
fsr-3540	265	26	the	the	DET
fsr-3540	265	27	household	household	NOUN
fsr-3540	265	28	can	can	AUX
fsr-3540	265	29	qualify	qualify	VERB
fsr-3540	265	30	for	for	ADP
fsr-3540	265	31	a	a	DET
fsr-3540	265	32	new	new	ADJ
fsr-3540	265	33	mortgage	mortgage	NOUN
fsr-3540	265	34	.	.	PUNCT
fsr-3540	266	1	further	far	ADV
fsr-3540	266	2	,	,	PUNCT
fsr-3540	266	3	alt-1	alt-1	PUNCT
fsr-3540	266	4	triggers	trigger	VERB
fsr-3540	266	5	significant	significant	ADJ
fsr-3540	266	6	closing	closing	NOUN
fsr-3540	266	7	costs	cost	NOUN
fsr-3540	266	8	.	.	PUNCT
fsr-3540	267	1	while	while	SCONJ
fsr-3540	267	2	refinancing	refinance	VERB
fsr-3540	267	3	in	in	ADP
fsr-3540	267	4	this	this	DET
fsr-3540	267	5	situation	situation	NOUN
fsr-3540	267	6	could	could	AUX
fsr-3540	267	7	reduce	reduce	VERB
fsr-3540	267	8	the	the	DET
fsr-3540	267	9	monthly	monthly	ADJ
fsr-3540	267	10	payment	payment	NOUN
fsr-3540	267	11	and	and	CCONJ
fsr-3540	267	12	allow	allow	VERB
fsr-3540	267	13	for	for	ADP
fsr-3540	267	14	on	on	ADP
fsr-3540	267	15	-	-	PUNCT
fsr-3540	267	16	time	time	NOUN
fsr-3540	267	17	or	or	CCONJ
fsr-3540	267	18	early	early	ADJ
fsr-3540	267	19	retirement	retirement	NOUN
fsr-3540	267	20	,	,	PUNCT
fsr-3540	267	21	it	it	PRON
fsr-3540	267	22	is	be	AUX
fsr-3540	267	23	not	not	PART
fsr-3540	267	24	a	a	DET
fsr-3540	267	25	viable	viable	ADJ
fsr-3540	267	26	option	option	NOUN
fsr-3540	267	27	outside	outside	ADP
fsr-3540	267	28	these	these	DET
fsr-3540	267	29	limited	limited	ADJ
fsr-3540	267	30	circumstances	circumstance	NOUN
fsr-3540	267	31	.	.	PUNCT
fsr-3540	268	1	paying	pay	VERB
fsr-3540	268	2	additional	additional	ADJ
fsr-3540	268	3	principal	principal	NOUN
fsr-3540	268	4	(	(	PUNCT
fsr-3540	268	5	alt-2	alt-2	X
fsr-3540	268	6	)	)	PUNCT
fsr-3540	268	7	could	could	AUX
fsr-3540	268	8	help	help	VERB
fsr-3540	268	9	the	the	DET
fsr-3540	268	10	household	household	NOUN
fsr-3540	268	11	pay	pay	VERB
fsr-3540	268	12	off	off	ADP
fsr-3540	268	13	their	their	PRON
fsr-3540	268	14	mortgage	mortgage	NOUN
fsr-3540	268	15	by	by	ADP
fsr-3540	268	16	their	their	PRON
fsr-3540	268	17	desired	desire	VERB
fsr-3540	268	18	retirement	retirement	NOUN
fsr-3540	268	19	date	date	NOUN
fsr-3540	268	20	,	,	PUNCT
fsr-3540	268	21	although	although	SCONJ
fsr-3540	268	22	the	the	DET
fsr-3540	268	23	monthly	monthly	ADJ
fsr-3540	268	24	minimum	minimum	ADJ
fsr-3540	268	25	payment	payment	NOUN
fsr-3540	268	26	will	will	AUX
fsr-3540	268	27	not	not	PART
fsr-3540	268	28	be	be	AUX
fsr-3540	268	29	affected	affect	VERB
fsr-3540	268	30	.	.	PUNCT
fsr-3540	269	1	recasting	recast	VERB
fsr-3540	269	2	(	(	PUNCT
fsr-3540	269	3	alt-3	alt-3	ADV
fsr-3540	269	4	)	)	PUNCT
fsr-3540	269	5	lowers	lower	VERB
fsr-3540	269	6	the	the	DET
fsr-3540	269	7	minimum	minimum	ADJ
fsr-3540	269	8	payment	payment	NOUN
fsr-3540	269	9	,	,	PUNCT
fsr-3540	269	10	perhaps	perhaps	ADV
fsr-3540	269	11	making	make	VERB
fsr-3540	269	12	retirement	retirement	NOUN
fsr-3540	269	13	possible	possible	ADJ
fsr-3540	269	14	and/or	and/or	CCONJ
fsr-3540	269	15	more	more	ADV
fsr-3540	269	16	comfortable	comfortable	ADJ
fsr-3540	269	17	on	on	ADP
fsr-3540	269	18	a	a	DET
fsr-3540	269	19	month	month	NOUN
fsr-3540	269	20	-	-	PUNCT
fsr-3540	269	21	to	to	ADP
fsr-3540	269	22	-	-	PUNCT
fsr-3540	269	23	month	month	NOUN
fsr-3540	269	24	basis	basis	NOUN
fsr-3540	269	25	for	for	ADP
fsr-3540	269	26	those	those	PRON
fsr-3540	269	27	willing	willing	ADJ
fsr-3540	269	28	to	to	PART
fsr-3540	269	29	have	have	VERB
fsr-3540	269	30	a	a	DET
fsr-3540	269	31	mortgage	mortgage	NOUN
fsr-3540	269	32	payment	payment	NOUN
fsr-3540	269	33	during	during	ADP
fsr-3540	269	34	retirement	retirement	NOUN
fsr-3540	269	35	years	year	NOUN
fsr-3540	269	36	.	.	PUNCT
fsr-3540	270	1	4.4	4.4	NUM
fsr-3540	270	2	.	.	PUNCT
fsr-3540	271	1	client	client	NOUN
fsr-3540	271	2	4	4	NUM
fsr-3540	271	3	–	–	PUNCT
fsr-3540	271	4	my	my	PRON
fsr-3540	271	5	family	family	NOUN
fsr-3540	271	6	is	be	AUX
fsr-3540	271	7	facing	face	VERB
fsr-3540	271	8	an	an	DET
fsr-3540	271	9	unexpected	unexpected	ADJ
fsr-3540	271	10	financial	financial	ADJ
fsr-3540	271	11	hardship	hardship	NOUN
fsr-3540	271	12	alt-1	alt-1	PUNCT
fsr-3540	271	13	will	will	AUX
fsr-3540	271	14	likely	likely	ADV
fsr-3540	271	15	not	not	PART
fsr-3540	271	16	help	help	VERB
fsr-3540	271	17	households	household	NOUN
fsr-3540	271	18	facing	face	VERB
fsr-3540	271	19	financial	financial	ADJ
fsr-3540	271	20	hardship	hardship	NOUN
fsr-3540	271	21	because	because	SCONJ
fsr-3540	271	22	it	it	PRON
fsr-3540	271	23	requires	require	VERB
fsr-3540	271	24	qualifying	qualify	VERB
fsr-3540	271	25	for	for	ADP
fsr-3540	271	26	a	a	DET
fsr-3540	271	27	new	new	ADJ
fsr-3540	271	28	mortgage	mortgage	NOUN
fsr-3540	271	29	.	.	PUNCT
fsr-3540	272	1	if	if	SCONJ
fsr-3540	272	2	the	the	DET
fsr-3540	272	3	borrower	borrower	NOUN
fsr-3540	272	4	’s	’s	PART
fsr-3540	272	5	debt	debt	NOUN
fsr-3540	272	6	to	to	ADP
fsr-3540	272	7	income	income	NOUN
fsr-3540	272	8	ratio	ratio	NOUN
fsr-3540	272	9	increased	increase	VERB
fsr-3540	272	10	,	,	PUNCT
fsr-3540	272	11	current	current	ADJ
fsr-3540	272	12	income	income	NOUN
fsr-3540	272	13	fallen	fall	VERB
fsr-3540	272	14	,	,	PUNCT
fsr-3540	272	15	or	or	CCONJ
fsr-3540	272	16	credit	credit	NOUN
fsr-3540	272	17	score	score	NOUN
fsr-3540	272	18	declined	decline	VERB
fsr-3540	272	19	,	,	PUNCT
fsr-3540	272	20	they	they	PRON
fsr-3540	272	21	may	may	AUX
fsr-3540	272	22	not	not	PART
fsr-3540	272	23	be	be	AUX
fsr-3540	272	24	able	able	ADJ
fsr-3540	272	25	to	to	PART
fsr-3540	272	26	obtain	obtain	VERB
fsr-3540	272	27	a	a	DET
fsr-3540	272	28	new	new	ADJ
fsr-3540	272	29	mortgage	mortgage	NOUN
fsr-3540	272	30	.	.	PUNCT
fsr-3540	273	1	if	if	SCONJ
fsr-3540	273	2	the	the	DET
fsr-3540	273	3	borrower	borrower	NOUN
fsr-3540	273	4	can	can	AUX
fsr-3540	273	5	qualify	qualify	VERB
fsr-3540	273	6	,	,	PUNCT
fsr-3540	273	7	alt-1	alt-1	PUNCT
fsr-3540	273	8	may	may	AUX
fsr-3540	273	9	be	be	AUX
fsr-3540	273	10	viable	viable	ADJ
fsr-3540	273	11	if	if	SCONJ
fsr-3540	273	12	rates	rate	NOUN
fsr-3540	273	13	have	have	AUX
fsr-3540	273	14	fallen	fall	VERB
fsr-3540	273	15	significantly	significantly	ADV
fsr-3540	273	16	since	since	SCONJ
fsr-3540	273	17	the	the	DET
fsr-3540	273	18	original	original	ADJ
fsr-3540	273	19	mortgage	mortgage	NOUN
fsr-3540	273	20	’s	’s	PART
fsr-3540	273	21	origination	origination	NOUN
fsr-3540	273	22	date	date	NOUN
fsr-3540	273	23	,	,	PUNCT
fsr-3540	273	24	or	or	CCONJ
fsr-3540	273	25	if	if	SCONJ
fsr-3540	273	26	the	the	DET
fsr-3540	273	27	borrower	borrower	NOUN
fsr-3540	273	28	can	can	AUX
fsr-3540	273	29	extend	extend	VERB
fsr-3540	273	30	the	the	DET
fsr-3540	273	31	mortgage	mortgage	NOUN
fsr-3540	273	32	’s	’s	PART
fsr-3540	273	33	maturity	maturity	NOUN
fsr-3540	273	34	so	so	SCONJ
fsr-3540	273	35	the	the	DET
fsr-3540	273	36	minimum	minimum	ADJ
fsr-3540	273	37	monthly	monthly	ADJ
fsr-3540	273	38	payment	payment	NOUN
fsr-3540	273	39	falls	fall	NOUN
fsr-3540	273	40	.	.	PUNCT
fsr-3540	274	1	alt-2	alt-2	PUNCT
fsr-3540	274	2	in	in	ADP
fsr-3540	274	3	this	this	DET
fsr-3540	274	4	situation	situation	NOUN
fsr-3540	274	5	is	be	AUX
fsr-3540	274	6	likely	likely	ADV
fsr-3540	274	7	undesirable	undesirable	ADJ
fsr-3540	274	8	;	;	PUNCT
fsr-3540	274	9	paying	pay	VERB
fsr-3540	274	10	additional	additional	ADJ
fsr-3540	274	11	principal	principal	NOUN
fsr-3540	274	12	in	in	ADP
fsr-3540	274	13	a	a	DET
fsr-3540	274	14	time	time	NOUN
fsr-3540	274	15	of	of	ADP
fsr-3540	274	16	hardship	hardship	NOUN
fsr-3540	274	17	is	be	AUX
fsr-3540	274	18	generally	generally	ADV
fsr-3540	274	19	not	not	PART
fsr-3540	274	20	feasible	feasible	ADJ
fsr-3540	274	21	as	as	SCONJ
fsr-3540	274	22	the	the	DET
fsr-3540	274	23	focus	focus	NOUN
fsr-3540	274	24	is	be	AUX
fsr-3540	274	25	likely	likely	ADJ
fsr-3540	274	26	on	on	ADP
fsr-3540	274	27	helping	help	VERB
fsr-3540	274	28	the	the	DET
fsr-3540	274	29	family	family	NOUN
fsr-3540	274	30	’s	’s	PART
fsr-3540	274	31	current	current	ADJ
fsr-3540	274	32	situation	situation	NOUN
fsr-3540	274	33	.	.	PUNCT
fsr-3540	275	1	alt-3	alt-3	NOUN
fsr-3540	275	2	lowers	lower	VERB
fsr-3540	275	3	the	the	DET
fsr-3540	275	4	mortgage	mortgage	NOUN
fsr-3540	275	5	’s	’s	PART
fsr-3540	275	6	minimum	minimum	ADJ
fsr-3540	275	7	monthly	monthly	ADJ
fsr-3540	275	8	payment	payment	NOUN
fsr-3540	275	9	.	.	PUNCT
fsr-3540	276	1	if	if	SCONJ
fsr-3540	276	2	prior	prior	ADJ
fsr-3540	276	3	principal	principal	ADJ
fsr-3540	276	4	reductions	reduction	NOUN
fsr-3540	276	5	were	be	AUX
fsr-3540	276	6	significant	significant	ADJ
fsr-3540	276	7	,	,	PUNCT
fsr-3540	276	8	the	the	DET
fsr-3540	276	9	reamortized	reamortize	VERB
fsr-3540	276	10	payment	payment	NOUN
fsr-3540	276	11	may	may	AUX
fsr-3540	276	12	be	be	AUX
fsr-3540	276	13	low	low	ADJ
fsr-3540	276	14	enough	enough	ADV
fsr-3540	276	15	to	to	PART
fsr-3540	276	16	help	help	VERB
fsr-3540	276	17	a	a	DET
fsr-3540	276	18	family	family	NOUN
fsr-3540	276	19	stay	stay	VERB
fsr-3540	276	20	in	in	ADP
fsr-3540	276	21	their	their	PRON
fsr-3540	276	22	home	home	NOUN
fsr-3540	276	23	and	and	CCONJ
fsr-3540	276	24	endure	endure	VERB
fsr-3540	276	25	an	an	DET
fsr-3540	276	26	unexpected	unexpected	ADJ
fsr-3540	276	27	,	,	PUNCT
fsr-3540	276	28	but	but	CCONJ
fsr-3540	276	29	short	short	ADJ
fsr-3540	276	30	-	-	PUNCT
fsr-3540	276	31	term	term	NOUN
fsr-3540	276	32	,	,	PUNCT
fsr-3540	276	33	hardship	hardship	NOUN
fsr-3540	276	34	.	.	PUNCT
fsr-3540	277	1	4.5	4.5	NUM
fsr-3540	277	2	.	.	PUNCT
fsr-3540	277	3	client	client	NOUN
fsr-3540	277	4	5	5	NUM
fsr-3540	277	5	–	–	PUNCT
fsr-3540	277	6	can	can	AUX
fsr-3540	277	7	i	i	PRON
fsr-3540	277	8	terminate	terminate	VERB
fsr-3540	277	9	pmi	pmi	PROPN
fsr-3540	277	10	on	on	ADP
fsr-3540	277	11	a	a	DET
fsr-3540	277	12	conventional	conventional	ADJ
fsr-3540	277	13	mortgage	mortgage	NOUN
fsr-3540	277	14	?	?	PUNCT
fsr-3540	278	1	a	a	DET
fsr-3540	278	2	conventional	conventional	ADJ
fsr-3540	278	3	mortgage	mortgage	NOUN
fsr-3540	278	4	carrying	carry	VERB
fsr-3540	278	5	a	a	DET
fsr-3540	278	6	ltv	ltv	PROPN
fsr-3540	278	7	ratio	ratio	NOUN
fsr-3540	278	8	greater	great	ADJ
fsr-3540	278	9	than	than	ADP
fsr-3540	278	10	80	80	NUM
fsr-3540	278	11	%	%	NOUN
fsr-3540	278	12	requires	require	VERB
fsr-3540	278	13	the	the	DET
fsr-3540	278	14	borrower	borrower	NOUN
fsr-3540	278	15	to	to	PART
fsr-3540	278	16	purchase	purchase	VERB
fsr-3540	278	17	private	private	ADJ
fsr-3540	278	18	mortgage	mortgage	NOUN
fsr-3540	278	19	insurance	insurance	NOUN
fsr-3540	278	20	(	(	PUNCT
fsr-3540	278	21	pmi).2	pmi).2	PROPN
fsr-3540	278	22	pmi	pmi	PROPN
fsr-3540	278	23	helps	help	VERB
fsr-3540	278	24	limit	limit	VERB
fsr-3540	278	25	the	the	DET
fsr-3540	278	26	lender	lender	NOUN
fsr-3540	278	27	’s	’s	PART
fsr-3540	278	28	losses	loss	NOUN
fsr-3540	278	29	(	(	PUNCT
fsr-3540	278	30	not	not	PART
fsr-3540	278	31	the	the	DET
fsr-3540	278	32	borrower	borrower	NOUN
fsr-3540	278	33	’s	’s	PART
fsr-3540	278	34	)	)	PUNCT
fsr-3540	278	35	if	if	SCONJ
fsr-3540	278	36	the	the	DET
fsr-3540	278	37	lender	lender	NOUN
fsr-3540	278	38	must	must	AUX
fsr-3540	278	39	foreclose	foreclose	VERB
fsr-3540	278	40	on	on	ADP
fsr-3540	278	41	the	the	DET
fsr-3540	278	42	property	property	NOUN
fsr-3540	278	43	.	.	PUNCT
fsr-3540	279	1	borrowers	borrower	NOUN
fsr-3540	279	2	can	can	AUX
fsr-3540	279	3	request	request	VERB
fsr-3540	279	4	pmi	pmi	PROPN
fsr-3540	279	5	be	be	AUX
fsr-3540	279	6	dropped	drop	VERB
fsr-3540	279	7	when	when	SCONJ
fsr-3540	279	8	their	their	PRON
fsr-3540	279	9	ltv	ltv	PROPN
fsr-3540	279	10	reaches	reach	VERB
fsr-3540	279	11	80	80	NUM
fsr-3540	279	12	%	%	NOUN
fsr-3540	279	13	of	of	ADP
fsr-3540	279	14	the	the	DET
fsr-3540	279	15	home	home	NOUN
fsr-3540	279	16	’s	’s	PART
fsr-3540	279	17	original	original	ADJ
fsr-3540	279	18	value	value	NOUN
fsr-3540	279	19	.	.	PUNCT
fsr-3540	280	1	the	the	DET
fsr-3540	280	2	homeowners	homeowners	PROPN
fsr-3540	280	3	protection	protection	PROPN
fsr-3540	280	4	act	act	NOUN
fsr-3540	280	5	of	of	ADP
fsr-3540	280	6	1998	1998	NUM
fsr-3540	280	7	(	(	PUNCT
fsr-3540	280	8	hoepa	hoepa	NOUN
fsr-3540	280	9	)	)	PUNCT
fsr-3540	280	10	requires	require	VERB
fsr-3540	280	11	a	a	DET
fsr-3540	280	12	lender	lender	NOUN
fsr-3540	280	13	terminate	terminate	NOUN
fsr-3540	280	14	pmi	pmi	PROPN
fsr-3540	280	15	when	when	SCONJ
fsr-3540	280	16	(	(	PUNCT
fsr-3540	280	17	a	a	X
fsr-3540	280	18	)	)	PUNCT
fsr-3540	280	19	the	the	DET
fsr-3540	280	20	mortgage	mortgage	NOUN
fsr-3540	280	21	206	206	NUM
fsr-3540	280	22	c.	c.	PROPN
fsr-3540	280	23	mcclatchey	mcclatchey	PROPN
fsr-3540	280	24	/	/	SYM
fsr-3540	280	25	financial	financial	ADJ
fsr-3540	280	26	services	service	NOUN
fsr-3540	280	27	review	review	VERB
fsr-3540	280	28	31	31	NUM
fsr-3540	280	29	(	(	PUNCT
fsr-3540	280	30	2023	2023	NUM
fsr-3540	280	31	)	)	PUNCT
fsr-3540	280	32	197–209	197–209	NUM
fsr-3540	280	33	balance	balance	NOUN
fsr-3540	280	34	reaches	reach	VERB
fsr-3540	280	35	78	78	NUM
fsr-3540	280	36	%	%	NOUN
fsr-3540	280	37	of	of	ADP
fsr-3540	280	38	the	the	DET
fsr-3540	280	39	original	original	ADJ
fsr-3540	280	40	purchase	purchase	NOUN
fsr-3540	280	41	price	price	NOUN
fsr-3540	280	42	if	if	SCONJ
fsr-3540	280	43	the	the	DET
fsr-3540	280	44	borrower	borrower	NOUN
fsr-3540	280	45	is	be	AUX
fsr-3540	280	46	in	in	ADP
fsr-3540	280	47	good	good	ADJ
fsr-3540	280	48	standing	standing	NOUN
fsr-3540	280	49	and	and	CCONJ
fsr-3540	280	50	has	have	AUX
fsr-3540	280	51	not	not	PART
fsr-3540	280	52	missed	miss	VERB
fsr-3540	280	53	any	any	DET
fsr-3540	280	54	scheduled	schedule	VERB
fsr-3540	280	55	payments	payment	NOUN
fsr-3540	280	56	,	,	PUNCT
fsr-3540	280	57	or	or	CCONJ
fsr-3540	280	58	(	(	PUNCT
fsr-3540	280	59	b	b	X
fsr-3540	280	60	)	)	PUNCT
fsr-3540	280	61	the	the	DET
fsr-3540	280	62	mortgage	mortgage	NOUN
fsr-3540	280	63	reaches	reach	VERB
fsr-3540	280	64	the	the	DET
fsr-3540	280	65	half	half	ADJ
fsr-3540	280	66	-	-	PUNCT
fsr-3540	280	67	way	way	NOUN
fsr-3540	280	68	mark	mark	NOUN
fsr-3540	280	69	of	of	ADP
fsr-3540	280	70	its	its	PRON
fsr-3540	280	71	amortization	amortization	NOUN
fsr-3540	280	72	schedule	schedule	NOUN
fsr-3540	280	73	.	.	PUNCT
fsr-3540	281	1	pmi	pmi	PROPN
fsr-3540	281	2	may	may	AUX
fsr-3540	281	3	also	also	ADV
fsr-3540	281	4	be	be	AUX
fsr-3540	281	5	terminated	terminate	VERB
fsr-3540	281	6	if	if	SCONJ
fsr-3540	281	7	,	,	PUNCT
fsr-3540	281	8	two	two	NUM
fsr-3540	281	9	years	year	NOUN
fsr-3540	281	10	after	after	ADP
fsr-3540	281	11	purchase	purchase	NOUN
fsr-3540	281	12	,	,	PUNCT
fsr-3540	281	13	the	the	DET
fsr-3540	281	14	home	home	NOUN
fsr-3540	281	15	price	price	NOUN
fsr-3540	281	16	has	have	AUX
fsr-3540	281	17	appreciated	appreciate	VERB
fsr-3540	281	18	,	,	PUNCT
fsr-3540	281	19	and	and	CCONJ
fsr-3540	281	20	a	a	DET
fsr-3540	281	21	new	new	ADJ
fsr-3540	281	22	appraisal	appraisal	NOUN
fsr-3540	281	23	proves	prove	VERB
fsr-3540	281	24	the	the	DET
fsr-3540	281	25	current	current	ADJ
fsr-3540	281	26	ltv	ltv	PROPN
fsr-3540	281	27	is	be	AUX
fsr-3540	281	28	75	75	NUM
fsr-3540	281	29	%	%	NOUN
fsr-3540	281	30	or	or	CCONJ
fsr-3540	281	31	less	less	ADJ
fsr-3540	281	32	of	of	ADP
fsr-3540	281	33	the	the	DET
fsr-3540	281	34	new	new	ADJ
fsr-3540	281	35	appraised	appraise	VERB
fsr-3540	281	36	value.3	value.3	ADV
fsr-3540	281	37	for	for	ADP
fsr-3540	281	38	conventional	conventional	ADJ
fsr-3540	281	39	mortgages	mortgage	NOUN
fsr-3540	281	40	,	,	PUNCT
fsr-3540	281	41	a	a	DET
fsr-3540	281	42	refinance	refinance	NOUN
fsr-3540	281	43	(	(	PUNCT
fsr-3540	281	44	alt-1	alt-1	X
fsr-3540	281	45	)	)	PUNCT
fsr-3540	281	46	makes	make	VERB
fsr-3540	281	47	sense	sense	NOUN
fsr-3540	281	48	if	if	SCONJ
fsr-3540	281	49	interest	interest	NOUN
fsr-3540	281	50	rates	rate	NOUN
fsr-3540	281	51	have	have	AUX
fsr-3540	281	52	declined	decline	VERB
fsr-3540	281	53	,	,	PUNCT
fsr-3540	281	54	the	the	DET
fsr-3540	281	55	borrower	borrower	NOUN
fsr-3540	281	56	’s	’s	PART
fsr-3540	281	57	credit	credit	NOUN
fsr-3540	281	58	has	have	AUX
fsr-3540	281	59	not	not	PART
fsr-3540	281	60	significantly	significantly	ADV
fsr-3540	281	61	changed	change	VERB
fsr-3540	281	62	,	,	PUNCT
fsr-3540	281	63	and	and	CCONJ
fsr-3540	281	64	the	the	DET
fsr-3540	281	65	breakeven	breakeven	ADJ
fsr-3540	281	66	calculation	calculation	NOUN
fsr-3540	281	67	has	have	AUX
fsr-3540	281	68	been	be	AUX
fsr-3540	281	69	met	meet	VERB
fsr-3540	281	70	.	.	PUNCT
fsr-3540	282	1	similar	similar	ADJ
fsr-3540	282	2	to	to	ADP
fsr-3540	282	3	previous	previous	ADJ
fsr-3540	282	4	situations	situation	NOUN
fsr-3540	282	5	,	,	PUNCT
fsr-3540	282	6	alt-1	alt-1	PUNCT
fsr-3540	282	7	reduces	reduce	VERB
fsr-3540	282	8	the	the	DET
fsr-3540	282	9	monthly	monthly	ADJ
fsr-3540	282	10	payment	payment	NOUN
fsr-3540	282	11	and	and	CCONJ
fsr-3540	282	12	triggers	trigger	VERB
fsr-3540	282	13	significant	significant	ADJ
fsr-3540	282	14	up	up	ADJ
fsr-3540	282	15	-	-	PUNCT
fsr-3540	282	16	front	front	NOUN
fsr-3540	282	17	closing	closing	NOUN
fsr-3540	282	18	costs	cost	NOUN
fsr-3540	282	19	but	but	CCONJ
fsr-3540	282	20	now	now	ADV
fsr-3540	282	21	carries	carry	VERB
fsr-3540	282	22	the	the	DET
fsr-3540	282	23	added	add	VERB
fsr-3540	282	24	benefit	benefit	NOUN
fsr-3540	282	25	of	of	ADP
fsr-3540	282	26	eliminating	eliminate	VERB
fsr-3540	282	27	the	the	DET
fsr-3540	282	28	monthly	monthly	ADJ
fsr-3540	282	29	pmi	pmi	NOUN
fsr-3540	282	30	.	.	PUNCT
fsr-3540	283	1	if	if	SCONJ
fsr-3540	283	2	a	a	DET
fsr-3540	283	3	borrower	borrower	NOUN
fsr-3540	283	4	has	have	VERB
fsr-3540	283	5	additional	additional	ADJ
fsr-3540	283	6	funds	fund	NOUN
fsr-3540	283	7	to	to	PART
fsr-3540	283	8	reach	reach	VERB
fsr-3540	283	9	the	the	DET
fsr-3540	283	10	80	80	NUM
fsr-3540	283	11	%	%	NOUN
fsr-3540	283	12	,	,	PUNCT
fsr-3540	283	13	78	78	NUM
fsr-3540	283	14	%	%	NOUN
fsr-3540	283	15	,	,	PUNCT
fsr-3540	283	16	or	or	CCONJ
fsr-3540	283	17	75	75	NUM
fsr-3540	283	18	%	%	NOUN
fsr-3540	283	19	ltv	ltv	PROPN
fsr-3540	283	20	thresholds	threshold	VERB
fsr-3540	283	21	either	either	CCONJ
fsr-3540	283	22	alt-2	alt-2	NUM
fsr-3540	283	23	or	or	CCONJ
fsr-3540	283	24	alt-3	alt-3	NUM
fsr-3540	283	25	might	might	AUX
fsr-3540	283	26	be	be	AUX
fsr-3540	283	27	optimal	optimal	ADJ
fsr-3540	283	28	.	.	PUNCT
fsr-3540	284	1	like	like	ADP
fsr-3540	284	2	client	client	NOUN
fsr-3540	284	3	1	1	NUM
fsr-3540	284	4	,	,	PUNCT
fsr-3540	284	5	recasting	recast	VERB
fsr-3540	284	6	may	may	AUX
fsr-3540	284	7	be	be	AUX
fsr-3540	284	8	superior	superior	ADJ
fsr-3540	284	9	as	as	SCONJ
fsr-3540	284	10	it	it	PRON
fsr-3540	284	11	reduces	reduce	VERB
fsr-3540	284	12	the	the	DET
fsr-3540	284	13	minimum	minimum	ADJ
fsr-3540	284	14	payment	payment	NOUN
fsr-3540	284	15	but	but	CCONJ
fsr-3540	284	16	retains	retain	VERB
fsr-3540	284	17	the	the	DET
fsr-3540	284	18	option	option	NOUN
fsr-3540	284	19	(	(	PUNCT
fsr-3540	284	20	for	for	ADP
fsr-3540	284	21	a	a	DET
fsr-3540	284	22	nominal	nominal	ADJ
fsr-3540	284	23	recast	recast	NOUN
fsr-3540	284	24	fee	fee	NOUN
fsr-3540	284	25	)	)	PUNCT
fsr-3540	284	26	to	to	PART
fsr-3540	284	27	still	still	ADV
fsr-3540	284	28	pay	pay	VERB
fsr-3540	284	29	a	a	DET
fsr-3540	284	30	higher	high	ADJ
fsr-3540	284	31	monthly	monthly	ADJ
fsr-3540	284	32	amount	amount	NOUN
fsr-3540	284	33	and	and	CCONJ
fsr-3540	284	34	repay	repay	VERB
fsr-3540	284	35	the	the	DET
fsr-3540	284	36	mortgage	mortgage	NOUN
fsr-3540	284	37	faster	fast	ADV
fsr-3540	284	38	should	should	AUX
fsr-3540	284	39	the	the	DET
fsr-3540	284	40	borrower	borrower	NOUN
fsr-3540	284	41	elect	elect	VERB
fsr-3540	284	42	to	to	PART
fsr-3540	284	43	do	do	VERB
fsr-3540	284	44	so	so	ADV
fsr-3540	284	45	.	.	PUNCT
fsr-3540	285	1	5	5	X
fsr-3540	285	2	.	.	X
fsr-3540	285	3	conclusion	conclusion	NOUN
fsr-3540	285	4	anecdotal	anecdotal	ADJ
fsr-3540	285	5	evidence	evidence	NOUN
fsr-3540	285	6	suggests	suggest	VERB
fsr-3540	285	7	the	the	DET
fsr-3540	285	8	option	option	NOUN
fsr-3540	285	9	to	to	PART
fsr-3540	285	10	recast	recast	VERB
fsr-3540	285	11	is	be	AUX
fsr-3540	285	12	not	not	PART
fsr-3540	285	13	well	well	ADV
fsr-3540	285	14	-	-	PUNCT
fsr-3540	285	15	known	know	VERB
fsr-3540	285	16	compared	compare	VERB
fsr-3540	285	17	to	to	ADP
fsr-3540	285	18	refinancing	refinance	VERB
fsr-3540	285	19	or	or	CCONJ
fsr-3540	285	20	paying	pay	VERB
fsr-3540	285	21	additional	additional	ADJ
fsr-3540	285	22	principal	principal	NOUN
fsr-3540	285	23	.	.	PUNCT
fsr-3540	286	1	refinancing	refinance	VERB
fsr-3540	286	2	has	have	AUX
fsr-3540	286	3	been	be	AUX
fsr-3540	286	4	the	the	DET
fsr-3540	286	5	most	most	ADV
fsr-3540	286	6	visible	visible	ADJ
fsr-3540	286	7	and	and	CCONJ
fsr-3540	286	8	researched	research	VERB
fsr-3540	286	9	option	option	NOUN
fsr-3540	286	10	,	,	PUNCT
fsr-3540	286	11	as	as	SCONJ
fsr-3540	286	12	evidenced	evidence	VERB
fsr-3540	286	13	in	in	ADP
fsr-3540	286	14	our	our	PRON
fsr-3540	286	15	literature	literature	NOUN
fsr-3540	286	16	review	review	NOUN
fsr-3540	286	17	.	.	PUNCT
fsr-3540	287	1	this	this	DET
fsr-3540	287	2	option	option	NOUN
fsr-3540	287	3	’s	’s	PART
fsr-3540	287	4	popularity	popularity	NOUN
fsr-3540	287	5	among	among	ADP
fsr-3540	287	6	homeowners	homeowner	NOUN
fsr-3540	287	7	and	and	CCONJ
fsr-3540	287	8	academics	academic	NOUN
fsr-3540	287	9	is	be	AUX
fsr-3540	287	10	likely	likely	ADJ
fsr-3540	287	11	due	due	ADP
fsr-3540	287	12	to	to	ADP
fsr-3540	287	13	the	the	DET
fsr-3540	287	14	general	general	ADJ
fsr-3540	287	15	decline	decline	NOUN
fsr-3540	287	16	in	in	ADP
fsr-3540	287	17	interest	interest	NOUN
fsr-3540	287	18	rates	rate	NOUN
fsr-3540	287	19	since	since	SCONJ
fsr-3540	287	20	the	the	DET
fsr-3540	287	21	1980s	1980	NOUN
fsr-3540	287	22	(	(	PUNCT
fsr-3540	287	23	fig	fig	NOUN
fsr-3540	287	24	.	.	NOUN
fsr-3540	288	1	1	1	NUM
fsr-3540	288	2	)	)	PUNCT
fsr-3540	288	3	.	.	PUNCT
fsr-3540	289	1	covid-19	covid-19	PROPN
fsr-3540	289	2	altered	alter	VERB
fsr-3540	289	3	many	many	ADJ
fsr-3540	289	4	homeowners	homeowner	NOUN
fsr-3540	289	5	’	'	PUNCT
fsr-3540	289	6	financial	financial	ADJ
fsr-3540	289	7	options	option	NOUN
fsr-3540	289	8	due	due	ADP
fsr-3540	289	9	to	to	ADP
fsr-3540	289	10	temporary	temporary	ADJ
fsr-3540	289	11	employment	employment	NOUN
fsr-3540	289	12	disruptions	disruption	NOUN
fsr-3540	289	13	,	,	PUNCT
fsr-3540	289	14	a	a	DET
fsr-3540	289	15	decline	decline	NOUN
fsr-3540	289	16	in	in	ADP
fsr-3540	289	17	household	household	NOUN
fsr-3540	289	18	credit	credit	NOUN
fsr-3540	289	19	scores	score	NOUN
fsr-3540	289	20	,	,	PUNCT
fsr-3540	289	21	or	or	CCONJ
fsr-3540	289	22	an	an	DET
fsr-3540	289	23	increase	increase	NOUN
fsr-3540	289	24	in	in	ADP
fsr-3540	289	25	debt	debt	NOUN
fsr-3540	289	26	-	-	PUNCT
fsr-3540	289	27	to	to	ADP
fsr-3540	289	28	-	-	PUNCT
fsr-3540	289	29	income	income	NOUN
fsr-3540	289	30	ratios	ratio	NOUN
fsr-3540	289	31	.	.	PUNCT
fsr-3540	290	1	though	though	SCONJ
fsr-3540	290	2	rising	rise	VERB
fsr-3540	290	3	home	home	NOUN
fsr-3540	290	4	values	value	NOUN
fsr-3540	290	5	may	may	AUX
fsr-3540	290	6	leave	leave	VERB
fsr-3540	290	7	refinancing	refinance	VERB
fsr-3540	290	8	a	a	DET
fsr-3540	290	9	viable	viable	ADJ
fsr-3540	290	10	alternative	alternative	NOUN
fsr-3540	290	11	for	for	ADP
fsr-3540	290	12	some	some	PRON
fsr-3540	290	13	,	,	PUNCT
fsr-3540	290	14	recent	recent	ADJ
fsr-3540	290	15	interest	interest	NOUN
fsr-3540	290	16	rate	rate	NOUN
fsr-3540	290	17	increases	increase	NOUN
fsr-3540	290	18	(	(	PUNCT
fsr-3540	290	19	qtrs	qtrs	PROPN
fsr-3540	290	20	.	.	PROPN
fsr-3540	290	21	1	1	NUM
fsr-3540	290	22	-	-	SYM
fsr-3540	290	23	2	2	NUM
fsr-3540	290	24	,	,	PUNCT
fsr-3540	290	25	2022	2022	NUM
fsr-3540	290	26	)	)	PUNCT
fsr-3540	290	27	indicate	indicate	VERB
fsr-3540	290	28	this	this	DET
fsr-3540	290	29	avenue	avenue	NOUN
fsr-3540	290	30	may	may	AUX
fsr-3540	290	31	dissipate	dissipate	VERB
fsr-3540	290	32	for	for	ADP
fsr-3540	290	33	many	many	ADJ
fsr-3540	290	34	in	in	ADP
fsr-3540	290	35	the	the	DET
fsr-3540	290	36	near	near	ADJ
fsr-3540	290	37	term	term	NOUN
fsr-3540	290	38	.	.	PUNCT
fsr-3540	291	1	paying	pay	VERB
fsr-3540	291	2	additional	additional	ADJ
fsr-3540	291	3	principal	principal	NOUN
fsr-3540	291	4	means	mean	VERB
fsr-3540	291	5	the	the	DET
fsr-3540	291	6	mortgage	mortgage	NOUN
fsr-3540	291	7	will	will	AUX
fsr-3540	291	8	be	be	AUX
fsr-3540	291	9	repaid	repay	VERB
fsr-3540	291	10	before	before	ADP
fsr-3540	291	11	its	its	PRON
fsr-3540	291	12	initial	initial	ADJ
fsr-3540	291	13	maturity	maturity	NOUN
fsr-3540	291	14	,	,	PUNCT
fsr-3540	291	15	but	but	CCONJ
fsr-3540	291	16	leaves	leave	NOUN
fsr-3540	291	17	required	require	VERB
fsr-3540	291	18	monthly	monthly	ADJ
fsr-3540	291	19	payments	payment	NOUN
fsr-3540	291	20	unchanged	unchanged	ADJ
fsr-3540	291	21	.	.	PUNCT
fsr-3540	292	1	recasting	recast	VERB
fsr-3540	292	2	reduces	reduce	VERB
fsr-3540	292	3	the	the	DET
fsr-3540	292	4	minimum	minimum	ADJ
fsr-3540	292	5	monthly	monthly	ADJ
fsr-3540	292	6	payment	payment	NOUN
fsr-3540	292	7	but	but	CCONJ
fsr-3540	292	8	leaves	leave	VERB
fsr-3540	292	9	the	the	DET
fsr-3540	292	10	original	original	ADJ
fsr-3540	292	11	mortgage	mortgage	NOUN
fsr-3540	292	12	maturity	maturity	NOUN
fsr-3540	292	13	intact	intact	ADJ
fsr-3540	292	14	.	.	PUNCT
fsr-3540	293	1	this	this	DET
fsr-3540	293	2	complex	complex	ADJ
fsr-3540	293	3	decision	decision	NOUN
fsr-3540	293	4	depends	depend	VERB
fsr-3540	293	5	on	on	ADP
fsr-3540	293	6	a	a	DET
fsr-3540	293	7	borrower	borrower	NOUN
fsr-3540	293	8	’s	’s	PART
fsr-3540	293	9	individual	individual	ADJ
fsr-3540	293	10	circumstances	circumstance	NOUN
fsr-3540	293	11	,	,	PUNCT
fsr-3540	293	12	the	the	DET
fsr-3540	293	13	forecast	forecast	NOUN
fsr-3540	293	14	for	for	ADP
fsr-3540	293	15	future	future	ADJ
fsr-3540	293	16	mortgage	mortgage	NOUN
fsr-3540	293	17	rates	rate	NOUN
fsr-3540	293	18	,	,	PUNCT
fsr-3540	293	19	lender	lender	NOUN
fsr-3540	293	20	-	-	PUNCT
fsr-3540	293	21	specific	specific	ADJ
fsr-3540	293	22	rules	rule	NOUN
fsr-3540	293	23	and	and	CCONJ
fsr-3540	293	24	requirements	requirement	NOUN
fsr-3540	293	25	,	,	PUNCT
fsr-3540	293	26	and	and	CCONJ
fsr-3540	293	27	consideration	consideration	NOUN
fsr-3540	293	28	of	of	ADP
fsr-3540	293	29	future	future	ADJ
fsr-3540	293	30	changes	change	NOUN
fsr-3540	293	31	to	to	ADP
fsr-3540	293	32	the	the	DET
fsr-3540	293	33	u.s	u.s	PROPN
fsr-3540	293	34	.	.	PROPN
fsr-3540	293	35	tax	tax	PROPN
fsr-3540	293	36	code	code	PROPN
fsr-3540	293	37	.	.	PUNCT
fsr-3540	294	1	in	in	ADP
fsr-3540	294	2	today	today	NOUN
fsr-3540	294	3	’s	’s	PART
fsr-3540	294	4	environment	environment	NOUN
fsr-3540	294	5	,	,	PUNCT
fsr-3540	294	6	we	we	PRON
fsr-3540	294	7	find	find	VERB
fsr-3540	294	8	recasting	recast	VERB
fsr-3540	294	9	may	may	AUX
fsr-3540	294	10	be	be	AUX
fsr-3540	294	11	a	a	DET
fsr-3540	294	12	tool	tool	NOUN
fsr-3540	294	13	for	for	ADP
fsr-3540	294	14	households	household	NOUN
fsr-3540	294	15	that	that	PRON
fsr-3540	294	16	(	(	PUNCT
fsr-3540	294	17	a	a	X
fsr-3540	294	18	)	)	PUNCT
fsr-3540	294	19	want	want	VERB
fsr-3540	294	20	to	to	PART
fsr-3540	294	21	retire	retire	VERB
fsr-3540	294	22	early	early	ADV
fsr-3540	294	23	,	,	PUNCT
fsr-3540	294	24	(	(	PUNCT
fsr-3540	294	25	b	b	X
fsr-3540	294	26	)	)	PUNCT
fsr-3540	294	27	have	have	AUX
fsr-3540	294	28	received	receive	VERB
fsr-3540	294	29	a	a	DET
fsr-3540	294	30	one	one	NUM
fsr-3540	294	31	-	-	PUNCT
fsr-3540	294	32	time	time	NOUN
fsr-3540	294	33	financial	financial	ADJ
fsr-3540	294	34	windfall	windfall	NOUN
fsr-3540	294	35	,	,	PUNCT
fsr-3540	294	36	(	(	PUNCT
fsr-3540	294	37	c	c	X
fsr-3540	294	38	)	)	PUNCT
fsr-3540	294	39	want	want	VERB
fsr-3540	294	40	to	to	PART
fsr-3540	294	41	eliminate	eliminate	VERB
fsr-3540	294	42	private	private	ADJ
fsr-3540	294	43	mortgage	mortgage	NOUN
fsr-3540	294	44	insurance	insurance	NOUN
fsr-3540	294	45	,	,	PUNCT
fsr-3540	294	46	(	(	PUNCT
fsr-3540	294	47	d	d	X
fsr-3540	294	48	)	)	PUNCT
fsr-3540	294	49	have	have	AUX
fsr-3540	294	50	experienced	experience	VERB
fsr-3540	294	51	an	an	DET
fsr-3540	294	52	unexpected	unexpected	ADJ
fsr-3540	294	53	hardship	hardship	NOUN
fsr-3540	294	54	,	,	PUNCT
fsr-3540	294	55	or	or	CCONJ
fsr-3540	294	56	(	(	PUNCT
fsr-3540	294	57	e	e	NOUN
fsr-3540	294	58	)	)	PUNCT
fsr-3540	294	59	have	have	AUX
fsr-3540	294	60	bought	buy	VERB
fsr-3540	294	61	a	a	DET
fsr-3540	294	62	new	new	ADJ
fsr-3540	294	63	home	home	NOUN
fsr-3540	294	64	before	before	ADP
fsr-3540	294	65	the	the	DET
fsr-3540	294	66	sale	sale	NOUN
fsr-3540	294	67	of	of	ADP
fsr-3540	294	68	their	their	PRON
fsr-3540	294	69	existing	exist	VERB
fsr-3540	294	70	home	home	NOUN
fsr-3540	294	71	.	.	PUNCT
fsr-3540	295	1	overall	overall	ADV
fsr-3540	295	2	,	,	PUNCT
fsr-3540	295	3	the	the	DET
fsr-3540	295	4	option	option	NOUN
fsr-3540	295	5	to	to	PART
fsr-3540	295	6	recast	recast	VERB
fsr-3540	295	7	may	may	AUX
fsr-3540	295	8	become	become	VERB
fsr-3540	295	9	a	a	DET
fsr-3540	295	10	more	more	ADV
fsr-3540	295	11	commonplace	commonplace	ADJ
fsr-3540	295	12	term	term	NOUN
fsr-3540	295	13	in	in	ADP
fsr-3540	295	14	the	the	DET
fsr-3540	295	15	vocabulary	vocabulary	NOUN
fsr-3540	295	16	of	of	ADP
fsr-3540	295	17	homeowners	homeowner	NOUN
fsr-3540	295	18	,	,	PUNCT
fsr-3540	295	19	faculty	faculty	NOUN
fsr-3540	295	20	,	,	PUNCT
fsr-3540	295	21	and	and	CCONJ
fsr-3540	295	22	finance	finance	NOUN
fsr-3540	295	23	professionals	professional	NOUN
fsr-3540	295	24	.	.	PUNCT
fsr-3540	296	1	notes	note	VERB
fsr-3540	296	2	1	1	NUM
fsr-3540	296	3	fannie	fannie	PROPN
fsr-3540	296	4	mae	mae	PROPN
fsr-3540	296	5	and	and	CCONJ
fsr-3540	296	6	freddie	freddie	PROPN
fsr-3540	296	7	mac	mac	PROPN
fsr-3540	296	8	are	be	AUX
fsr-3540	296	9	government	government	NOUN
fsr-3540	296	10	-	-	PUNCT
fsr-3540	296	11	created	create	VERB
fsr-3540	296	12	enterprises	enterprise	NOUN
fsr-3540	296	13	(	(	PUNCT
fsr-3540	296	14	gses	gse	NOUN
fsr-3540	296	15	)	)	PUNCT
fsr-3540	296	16	that	that	PRON
fsr-3540	296	17	buy	buy	VERB
fsr-3540	296	18	mortgages	mortgage	NOUN
fsr-3540	296	19	from	from	ADP
fsr-3540	296	20	lenders	lender	NOUN
fsr-3540	296	21	and	and	CCONJ
fsr-3540	296	22	hold	hold	VERB
fsr-3540	296	23	them	they	PRON
fsr-3540	296	24	in	in	ADP
fsr-3540	296	25	portfolios	portfolio	NOUN
fsr-3540	296	26	or	or	CCONJ
fsr-3540	296	27	turn	turn	VERB
fsr-3540	296	28	them	they	PRON
fsr-3540	296	29	into	into	ADP
fsr-3540	296	30	mortgagebacked	mortgagebacked	ADJ
fsr-3540	296	31	securities	security	NOUN
fsr-3540	296	32	.	.	PUNCT
fsr-3540	297	1	conforming	conform	VERB
fsr-3540	297	2	loans	loan	NOUN
fsr-3540	297	3	meet	meet	VERB
fsr-3540	297	4	requirements	requirement	NOUN
fsr-3540	297	5	regarding	regard	VERB
fsr-3540	297	6	:	:	PUNCT
fsr-3540	297	7	(	(	PUNCT
fsr-3540	297	8	a	a	X
fsr-3540	297	9	)	)	PUNCT
fsr-3540	297	10	maximum	maximum	ADJ
fsr-3540	297	11	loan	loan	NOUN
fsr-3540	297	12	amount	amount	NOUN
fsr-3540	297	13	(	(	PUNCT
fsr-3540	297	14	different	different	ADJ
fsr-3540	297	15	for	for	ADP
fsr-3540	297	16	one-	one-	ADJ
fsr-3540	297	17	,	,	PUNCT
fsr-3540	297	18	two-	two-	X
fsr-3540	297	19	,	,	PUNCT
fsr-3540	297	20	three-	three-	NOUN
fsr-3540	297	21	,	,	PUNCT
fsr-3540	297	22	and	and	CCONJ
fsr-3540	297	23	four	four	NUM
fsr-3540	297	24	-	-	PUNCT
fsr-3540	297	25	family	family	NOUN
fsr-3540	297	26	dwellings	dwelling	NOUN
fsr-3540	297	27	,	,	PUNCT
fsr-3540	297	28	(	(	PUNCT
fsr-3540	297	29	b	b	X
fsr-3540	297	30	)	)	PUNCT
fsr-3540	297	31	credit	credit	NOUN
fsr-3540	297	32	c.	c.	NOUN
fsr-3540	297	33	mcclatchey	mcclatchey	PROPN
fsr-3540	297	34	/	/	SYM
fsr-3540	297	35	financial	financial	ADJ
fsr-3540	297	36	services	service	NOUN
fsr-3540	297	37	review	review	VERB
fsr-3540	297	38	31	31	NUM
fsr-3540	297	39	(	(	PUNCT
fsr-3540	297	40	2023	2023	NUM
fsr-3540	297	41	)	)	PUNCT
fsr-3540	298	1	197–209	197–209	NUM
fsr-3540	298	2	207	207	NUM
fsr-3540	298	3	and	and	CCONJ
fsr-3540	298	4	income	income	NOUN
fsr-3540	298	5	requirements	requirement	NOUN
fsr-3540	298	6	,	,	PUNCT
fsr-3540	298	7	(	(	PUNCT
fsr-3540	298	8	c	c	NOUN
fsr-3540	298	9	)	)	PUNCT
fsr-3540	298	10	down	down	ADP
fsr-3540	298	11	payment	payment	NOUN
fsr-3540	298	12	,	,	PUNCT
fsr-3540	298	13	and	and	CCONJ
fsr-3540	298	14	(	(	PUNCT
fsr-3540	298	15	d	d	X
fsr-3540	298	16	)	)	PUNCT
fsr-3540	298	17	suitable	suitable	ADJ
fsr-3540	298	18	property	property	NOUN
fsr-3540	298	19	type	type	NOUN
fsr-3540	298	20	.	.	PUNCT
fsr-3540	299	1	loans	loan	NOUN
fsr-3540	299	2	that	that	PRON
fsr-3540	299	3	do	do	AUX
fsr-3540	299	4	not	not	PART
fsr-3540	299	5	meet	meet	VERB
fsr-3540	299	6	fannie	fannie	PROPN
fsr-3540	299	7	and	and	CCONJ
fsr-3540	299	8	freddie	freddie	PROPN
fsr-3540	299	9	credit	credit	NOUN
fsr-3540	299	10	requirements	requirement	NOUN
fsr-3540	299	11	are	be	AUX
fsr-3540	299	12	called	call	VERB
fsr-3540	299	13	b	b	NUM
fsr-3540	299	14	,	,	PUNCT
fsr-3540	299	15	c	c	NOUN
fsr-3540	299	16	,	,	PUNCT
fsr-3540	299	17	and	and	CCONJ
fsr-3540	299	18	d	d	ADP
fsr-3540	299	19	paper	paper	NOUN
fsr-3540	299	20	loans	loan	NOUN
fsr-3540	299	21	(	(	PUNCT
fsr-3540	299	22	versus	versus	ADP
fsr-3540	299	23	a	a	DET
fsr-3540	299	24	paper	paper	NOUN
fsr-3540	299	25	if	if	SCONJ
fsr-3540	299	26	they	they	PRON
fsr-3540	299	27	do	do	AUX
fsr-3540	299	28	meet	meet	VERB
fsr-3540	299	29	credit	credit	NOUN
fsr-3540	299	30	requirements	requirement	NOUN
fsr-3540	299	31	)	)	PUNCT
fsr-3540	299	32	.	.	PUNCT
fsr-3540	300	1	loans	loan	NOUN
fsr-3540	300	2	above	above	ADP
fsr-3540	300	3	fannie	fannie	PROPN
fsr-3540	300	4	and	and	CCONJ
fsr-3540	300	5	freddie	freddie	PROPN
fsr-3540	300	6	guidelines	guideline	NOUN
fsr-3540	300	7	are	be	AUX
fsr-3540	300	8	called	call	VERB
fsr-3540	300	9	jumbo	jumbo	ADJ
fsr-3540	300	10	loans	loan	NOUN
fsr-3540	300	11	.	.	PUNCT
fsr-3540	301	1	2	2	NUM
fsr-3540	301	2	pmi	pmi	NOUN
fsr-3540	301	3	ranges	range	VERB
fsr-3540	301	4	from	from	ADP
fsr-3540	301	5	0.25	0.25	NUM
fsr-3540	301	6	%	%	NOUN
fsr-3540	301	7	to	to	PART
fsr-3540	301	8	2	2	NUM
fsr-3540	301	9	%	%	NOUN
fsr-3540	301	10	of	of	ADP
fsr-3540	301	11	the	the	DET
fsr-3540	301	12	loan	loan	NOUN
fsr-3540	301	13	balance	balance	NOUN
fsr-3540	301	14	per	per	ADP
fsr-3540	301	15	year	year	NOUN
fsr-3540	301	16	,	,	PUNCT
fsr-3540	301	17	depending	depend	VERB
fsr-3540	301	18	on	on	ADP
fsr-3540	301	19	the	the	DET
fsr-3540	301	20	size	size	NOUN
fsr-3540	301	21	of	of	ADP
fsr-3540	301	22	the	the	DET
fsr-3540	301	23	down	down	ADJ
fsr-3540	301	24	payment	payment	NOUN
fsr-3540	301	25	and	and	CCONJ
fsr-3540	301	26	mortgage	mortgage	NOUN
fsr-3540	301	27	,	,	PUNCT
fsr-3540	301	28	the	the	DET
fsr-3540	301	29	loan	loan	NOUN
fsr-3540	301	30	term	term	NOUN
fsr-3540	301	31	,	,	PUNCT
fsr-3540	301	32	and	and	CCONJ
fsr-3540	301	33	the	the	DET
fsr-3540	301	34	borrower	borrower	NOUN
fsr-3540	301	35	’s	’s	PART
fsr-3540	301	36	credit	credit	NOUN
fsr-3540	301	37	score	score	NOUN
fsr-3540	301	38	.	.	PUNCT
fsr-3540	302	1	3	3	NUM
fsr-3540	302	2	fha	fha	PROPN
fsr-3540	302	3	loans	loan	NOUN
fsr-3540	302	4	carry	carry	VERB
fsr-3540	302	5	similar	similar	ADJ
fsr-3540	302	6	insurance	insurance	NOUN
fsr-3540	302	7	termed	term	VERB
fsr-3540	302	8	mortgage	mortgage	NOUN
fsr-3540	302	9	insurance	insurance	NOUN
fsr-3540	302	10	premium	premium	NOUN
fsr-3540	302	11	(	(	PUNCT
fsr-3540	302	12	mip	mip	PROPN
fsr-3540	302	13	)	)	PUNCT
fsr-3540	302	14	.	.	PUNCT
fsr-3540	303	1	if	if	SCONJ
fsr-3540	303	2	the	the	DET
fsr-3540	303	3	original	original	ADJ
fsr-3540	303	4	down	down	ADJ
fsr-3540	303	5	payment	payment	NOUN
fsr-3540	303	6	is	be	AUX
fsr-3540	303	7	less	less	ADJ
fsr-3540	303	8	than	than	ADP
fsr-3540	303	9	10	10	NUM
fsr-3540	303	10	%	%	NOUN
fsr-3540	303	11	,	,	PUNCT
fsr-3540	303	12	mip	mip	PROPN
fsr-3540	303	13	can	can	AUX
fsr-3540	303	14	not	not	PART
fsr-3540	303	15	be	be	AUX
fsr-3540	303	16	canceled	cancel	VERB
fsr-3540	303	17	;	;	PUNCT
fsr-3540	303	18	the	the	DET
fsr-3540	303	19	only	only	ADJ
fsr-3540	303	20	way	way	NOUN
fsr-3540	303	21	to	to	PART
fsr-3540	303	22	terminate	terminate	VERB
fsr-3540	303	23	mip	mip	PROPN
fsr-3540	303	24	is	be	AUX
fsr-3540	303	25	to	to	ADP
fsr-3540	303	26	refinance	refinance	NOUN
fsr-3540	303	27	.	.	PUNCT
fsr-3540	304	1	if	if	SCONJ
fsr-3540	304	2	the	the	DET
fsr-3540	304	3	original	original	ADJ
fsr-3540	304	4	down	down	ADJ
fsr-3540	304	5	payment	payment	NOUN
fsr-3540	304	6	is	be	AUX
fsr-3540	304	7	10	10	NUM
fsr-3540	304	8	%	%	NOUN
fsr-3540	304	9	or	or	CCONJ
fsr-3540	304	10	more	more	ADJ
fsr-3540	304	11	,	,	PUNCT
fsr-3540	304	12	the	the	DET
fsr-3540	304	13	borrower	borrower	NOUN
fsr-3540	304	14	can	can	AUX
fsr-3540	304	15	cancel	cancel	VERB
fsr-3540	304	16	monthly	monthly	ADJ
fsr-3540	304	17	mips	mip	NOUN
fsr-3540	304	18	after	after	ADP
fsr-3540	304	19	11	11	NUM
fsr-3540	304	20	years	year	NOUN
fsr-3540	304	21	.	.	PUNCT
fsr-3540	305	1	va	va	NOUN
fsr-3540	305	2	loans	loan	NOUN
fsr-3540	305	3	require	require	VERB
fsr-3540	305	4	an	an	DET
fsr-3540	305	5	upfront	upfront	ADJ
fsr-3540	305	6	“	"	PUNCT
fsr-3540	305	7	funding	funding	NOUN
fsr-3540	305	8	fee	fee	NOUN
fsr-3540	305	9	”	"	PUNCT
fsr-3540	305	10	and	and	CCONJ
fsr-3540	305	11	no	no	DET
fsr-3540	305	12	monthly	monthly	ADJ
fsr-3540	305	13	insurance	insurance	NOUN
fsr-3540	305	14	premium	premium	NOUN
fsr-3540	305	15	.	.	PUNCT
fsr-3540	306	1	references	reference	NOUN
fsr-3540	306	2	bennett	bennett	PROPN
fsr-3540	306	3	,	,	PUNCT
fsr-3540	306	4	p.	p.	PROPN
fsr-3540	306	5	,	,	PUNCT
fsr-3540	306	6	keane	keane	PROPN
fsr-3540	306	7	,	,	PUNCT
fsr-3540	306	8	f.	f.	PROPN
fsr-3540	306	9	,	,	PUNCT
fsr-3540	306	10	&	&	CCONJ
fsr-3540	306	11	mosser	mosser	PROPN
fsr-3540	306	12	,	,	PUNCT
fsr-3540	306	13	p.	p.	NOUN
fsr-3540	306	14	(	(	PUNCT
fsr-3540	306	15	1999	1999	NUM
fsr-3540	306	16	)	)	PUNCT
fsr-3540	306	17	.	.	PUNCT
fsr-3540	307	1	mortgage	mortgage	NOUN
fsr-3540	307	2	refinancing	refinancing	NOUN
fsr-3540	307	3	and	and	CCONJ
fsr-3540	307	4	the	the	DET
fsr-3540	307	5	concentration	concentration	NOUN
fsr-3540	307	6	of	of	ADP
fsr-3540	307	7	mortgage	mortgage	NOUN
fsr-3540	307	8	coupons	coupon	NOUN
fsr-3540	307	9	.	.	PUNCT
fsr-3540	308	1	current	current	ADJ
fsr-3540	308	2	issues	issue	NOUN
fsr-3540	308	3	in	in	ADP
fsr-3540	308	4	economics	economic	NOUN
fsr-3540	308	5	and	and	CCONJ
fsr-3540	308	6	finance	finance	NOUN
fsr-3540	308	7	,	,	PUNCT
fsr-3540	308	8	federal	federal	PROPN
fsr-3540	308	9	reserve	reserve	PROPN
fsr-3540	308	10	bank	bank	PROPN
fsr-3540	308	11	of	of	ADP
fsr-3540	308	12	new	new	PROPN
fsr-3540	308	13	york	york	PROPN
fsr-3540	308	14	,	,	PUNCT
fsr-3540	308	15	5(4	5(4	NUM
fsr-3540	308	16	)	)	PUNCT
fsr-3540	308	17	.	.	PUNCT
fsr-3540	309	1	brady	brady	PROPN
fsr-3540	309	2	,	,	PUNCT
fsr-3540	309	3	p.	p.	PROPN
fsr-3540	309	4	j.	j.	PROPN
fsr-3540	309	5	,	,	PUNCT
fsr-3540	309	6	canner	canner	NOUN
fsr-3540	309	7	,	,	PUNCT
fsr-3540	309	8	g.	g.	PROPN
fsr-3540	309	9	b.	b.	PROPN
fsr-3540	309	10	,	,	PUNCT
fsr-3540	309	11	&	&	CCONJ
fsr-3540	309	12	maki	maki	PROPN
fsr-3540	309	13	,	,	PUNCT
fsr-3540	309	14	d.	d.	PROPN
fsr-3540	309	15	m.	m.	PROPN
fsr-3540	309	16	(	(	PUNCT
fsr-3540	309	17	2000	2000	NUM
fsr-3540	309	18	)	)	PUNCT
fsr-3540	309	19	.	.	PUNCT
fsr-3540	310	1	the	the	DET
fsr-3540	310	2	effects	effect	NOUN
fsr-3540	310	3	of	of	ADP
fsr-3540	310	4	recent	recent	ADJ
fsr-3540	310	5	mortgage	mortgage	NOUN
fsr-3540	310	6	refinancing	refinancing	NOUN
fsr-3540	310	7	.	.	PUNCT
fsr-3540	311	1	federal	federal	PROPN
fsr-3540	311	2	reserve	reserve	PROPN
fsr-3540	311	3	bulletin	bulletin	PROPN
fsr-3540	311	4	,	,	PUNCT
fsr-3540	311	5	86	86	NUM
fsr-3540	311	6	,	,	PUNCT
fsr-3540	311	7	441–450	441–450	NUM
fsr-3540	311	8	.	.	PUNCT
fsr-3540	312	1	chen	chen	PROPN
fsr-3540	312	2	,	,	PUNCT
fsr-3540	312	3	r.	r.	PROPN
fsr-3540	312	4	(	(	PUNCT
fsr-3540	312	5	1997	1997	NUM
fsr-3540	312	6	)	)	PUNCT
fsr-3540	312	7	.	.	PUNCT
fsr-3540	313	1	a	a	DET
fsr-3540	313	2	refinancing	refinance	VERB
fsr-3540	313	3	decision	decision	NOUN
fsr-3540	313	4	model	model	NOUN
fsr-3540	313	5	using	use	VERB
fsr-3540	313	6	spreadsheet	spreadsheet	PROPN
fsr-3540	313	7	software	software	PROPN
fsr-3540	313	8	.	.	PUNCT
fsr-3540	314	1	national	national	ADJ
fsr-3540	314	2	public	public	ADJ
fsr-3540	314	3	accountant	accountant	NOUN
fsr-3540	314	4	,	,	PUNCT
fsr-3540	314	5	42	42	NUM
fsr-3540	314	6	,	,	PUNCT
fsr-3540	314	7	44–48	44–48	PROPN
fsr-3540	314	8	.	.	PUNCT
fsr-3540	315	1	defusco	defusco	PROPN
fsr-3540	315	2	,	,	PUNCT
fsr-3540	315	3	a.	a.	NOUN
fsr-3540	315	4	a.	a.	PROPN
fsr-3540	315	5	,	,	PUNCT
fsr-3540	315	6	&	&	CCONJ
fsr-3540	315	7	mondragon	mondragon	PROPN
fsr-3540	315	8	,	,	PUNCT
fsr-3540	315	9	j.	j.	PROPN
fsr-3540	315	10	(	(	PUNCT
fsr-3540	315	11	2020	2020	NUM
fsr-3540	315	12	)	)	PUNCT
fsr-3540	315	13	.	.	PUNCT
fsr-3540	316	1	no	no	DET
fsr-3540	316	2	job	job	NOUN
fsr-3540	316	3	,	,	PUNCT
fsr-3540	316	4	no	no	DET
fsr-3540	316	5	money	money	NOUN
fsr-3540	316	6	,	,	PUNCT
fsr-3540	316	7	no	no	DET
fsr-3540	316	8	refi	refi	NOUN
fsr-3540	316	9	:	:	PUNCT
fsr-3540	316	10	frictions	friction	NOUN
fsr-3540	316	11	to	to	ADP
fsr-3540	316	12	refinancing	refinance	VERB
fsr-3540	316	13	in	in	ADP
fsr-3540	316	14	a	a	DET
fsr-3540	316	15	recession	recession	NOUN
fsr-3540	316	16	.	.	PUNCT
fsr-3540	317	1	the	the	DET
fsr-3540	317	2	journal	journal	PROPN
fsr-3540	317	3	of	of	ADP
fsr-3540	317	4	finance	finance	NOUN
fsr-3540	317	5	,	,	PUNCT
fsr-3540	317	6	75	75	NUM
fsr-3540	317	7	,	,	PUNCT
fsr-3540	317	8	2327–2376	2327–2376	NUM
fsr-3540	317	9	.	.	PUNCT
fsr-3540	317	10	https://doi.org/10.1111/jofi.12952	https://doi.org/10.1111/jofi.12952	NOUN
fsr-3540	317	11	fortin	fortin	PROPN
fsr-3540	317	12	,	,	PUNCT
fsr-3540	317	13	r.	r.	PROPN
fsr-3540	317	14	,	,	PUNCT
fsr-3540	317	15	michelson	michelson	PROPN
fsr-3540	317	16	,	,	PUNCT
fsr-3540	317	17	s.	s.	PROPN
fsr-3540	317	18	,	,	PUNCT
fsr-3540	317	19	smith	smith	PROPN
fsr-3540	317	20	,	,	PUNCT
fsr-3540	317	21	s.	s.	PROPN
fsr-3540	317	22	d.	d.	PROPN
fsr-3540	317	23	,	,	PUNCT
fsr-3540	317	24	&	&	CCONJ
fsr-3540	317	25	weaver	weaver	PROPN
fsr-3540	317	26	,	,	PUNCT
fsr-3540	317	27	w.	w.	NOUN
fsr-3540	317	28	(	(	PUNCT
fsr-3540	317	29	2007	2007	NUM
fsr-3540	317	30	)	)	PUNCT
fsr-3540	317	31	.	.	PUNCT
fsr-3540	318	1	mortgage	mortgage	NOUN
fsr-3540	318	2	refinancing	refinancing	NOUN
fsr-3540	318	3	:	:	PUNCT
fsr-3540	318	4	the	the	DET
fsr-3540	318	5	interaction	interaction	NOUN
fsr-3540	318	6	of	of	ADP
fsr-3540	318	7	breakeven	breakeven	ADJ
fsr-3540	318	8	period	period	NOUN
fsr-3540	318	9	,	,	PUNCT
fsr-3540	318	10	taxes	taxis	NOUN
fsr-3540	318	11	,	,	PUNCT
fsr-3540	318	12	npv	npv	NOUN
fsr-3540	318	13	,	,	PUNCT
fsr-3540	318	14	and	and	CCONJ
fsr-3540	318	15	irr	irr	PROPN
fsr-3540	318	16	.	.	PUNCT
fsr-3540	319	1	financial	financial	ADJ
fsr-3540	319	2	services	services	PROPN
fsr-3540	319	3	review	review	PROPN
fsr-3540	319	4	,	,	PUNCT
fsr-3540	319	5	16	16	NUM
fsr-3540	319	6	,	,	PUNCT
fsr-3540	319	7	197–209	197–209	NUM
fsr-3540	319	8	.	.	PUNCT
fsr-3540	320	1	gerardi	gerardi	PROPN
fsr-3540	320	2	,	,	PUNCT
fsr-3540	320	3	k.	k.	PROPN
fsr-3540	320	4	,	,	PUNCT
fsr-3540	320	5	loewenstein	loewenstein	PROPN
fsr-3540	320	6	,	,	PUNCT
fsr-3540	320	7	l.	l.	PROPN
fsr-3540	320	8	,	,	PUNCT
fsr-3540	320	9	&	&	CCONJ
fsr-3540	320	10	willen	willen	PROPN
fsr-3540	320	11	,	,	PUNCT
fsr-3540	320	12	p.	p.	PROPN
fsr-3540	320	13	s.	s.	PROPN
fsr-3540	320	14	(	(	PUNCT
fsr-3540	320	15	2021	2021	NUM
fsr-3540	320	16	)	)	PUNCT
fsr-3540	320	17	.	.	PUNCT
fsr-3540	321	1	evaluating	evaluate	VERB
fsr-3540	321	2	the	the	DET
fsr-3540	321	3	benefits	benefit	NOUN
fsr-3540	321	4	of	of	ADP
fsr-3540	321	5	a	a	DET
fsr-3540	321	6	streamlined	streamlined	ADJ
fsr-3540	321	7	refinance	refinance	NOUN
fsr-3540	321	8	program	program	NOUN
fsr-3540	321	9	.	.	PUNCT
fsr-3540	322	1	housing	housing	NOUN
fsr-3540	322	2	policy	policy	NOUN
fsr-3540	322	3	debate	debate	NOUN
fsr-3540	322	4	,	,	PUNCT
fsr-3540	322	5	31	31	NUM
fsr-3540	322	6	,	,	PUNCT
fsr-3540	322	7	51–65	51–65	NUM
fsr-3540	322	8	.	.	PUNCT
fsr-3540	323	1	https://doi.org/10.1080/10511482.2020.1850014	https://doi.org/10.1080/10511482.2020.1850014	PROPN
fsr-3540	323	2	golding	golding	PROPN
fsr-3540	323	3	,	,	PUNCT
fsr-3540	323	4	e.	e.	PROPN
fsr-3540	323	5	,	,	PUNCT
fsr-3540	323	6	goodman	goodman	PROPN
fsr-3540	323	7	,	,	PUNCT
fsr-3540	323	8	l.	l.	PROPN
fsr-3540	323	9	s.	s.	PROPN
fsr-3540	323	10	,	,	PUNCT
fsr-3540	323	11	green	green	PROPN
fsr-3540	323	12	,	,	PUNCT
fsr-3540	323	13	r.	r.	PROPN
fsr-3540	323	14	,	,	PUNCT
fsr-3540	323	15	&	&	CCONJ
fsr-3540	323	16	wachter	wachter	NOUN
fsr-3540	323	17	,	,	PUNCT
fsr-3540	323	18	s.	s.	PROPN
fsr-3540	323	19	(	(	PUNCT
fsr-3540	323	20	2021	2021	NUM
fsr-3540	323	21	)	)	PUNCT
fsr-3540	323	22	.	.	PUNCT
fsr-3540	324	1	the	the	DET
fsr-3540	324	2	mortgage	mortgage	NOUN
fsr-3540	324	3	market	market	NOUN
fsr-3540	324	4	as	as	ADP
fsr-3540	324	5	a	a	DET
fsr-3540	324	6	stimulus	stimulus	ADJ
fsr-3540	324	7	channel	channel	NOUN
fsr-3540	324	8	in	in	ADP
fsr-3540	324	9	the	the	DET
fsr-3540	324	10	covid-19	covid-19	PROPN
fsr-3540	324	11	crisis	crisis	NOUN
fsr-3540	324	12	.	.	PUNCT
fsr-3540	325	1	housing	housing	NOUN
fsr-3540	325	2	policy	policy	NOUN
fsr-3540	325	3	debate	debate	NOUN
fsr-3540	325	4	,	,	PUNCT
fsr-3540	325	5	31	31	NUM
fsr-3540	325	6	,	,	PUNCT
fsr-3540	325	7	66–80	66–80	NUM
fsr-3540	325	8	.	.	PUNCT
fsr-3540	326	1	https://doi.org/10.1080/10511482.2020.1850015	https://doi.org/10.1080/10511482.2020.1850015	PROPN
fsr-3540	326	2	hoover	hoover	PROPN
fsr-3540	326	3	,	,	PUNCT
fsr-3540	326	4	g.	g.	PROPN
fsr-3540	326	5	(	(	PUNCT
fsr-3540	326	6	2003	2003	NUM
fsr-3540	326	7	)	)	PUNCT
fsr-3540	326	8	.	.	PUNCT
fsr-3540	327	1	the	the	DET
fsr-3540	327	2	mortgage	mortgage	NOUN
fsr-3540	327	3	refinance	refinance	NOUN
fsr-3540	327	4	decision	decision	NOUN
fsr-3540	327	5	:	:	PUNCT
fsr-3540	327	6	an	an	DET
fsr-3540	327	7	equation	equation	NOUN
fsr-3540	327	8	-	-	PUNCT
fsr-3540	327	9	based	base	VERB
fsr-3540	327	10	model	model	NOUN
fsr-3540	327	11	.	.	PUNCT
fsr-3540	328	1	financial	financial	ADJ
fsr-3540	328	2	services	service	NOUN
fsr-3540	328	3	review	review	PROPN
fsr-3540	328	4	,	,	PUNCT
fsr-3540	328	5	12	12	NUM
fsr-3540	328	6	,	,	PUNCT
fsr-3540	328	7	319–337	319–337	NUM
fsr-3540	328	8	.	.	PUNCT
fsr-3540	329	1	johnson	johnson	PROPN
fsr-3540	329	2	,	,	PUNCT
fsr-3540	329	3	r.	r.	PROPN
fsr-3540	329	4	,	,	PUNCT
fsr-3540	329	5	&	&	CCONJ
fsr-3540	329	6	randle	randle	PROPN
fsr-3540	329	7	,	,	PUNCT
fsr-3540	329	8	p.	p.	NOUN
fsr-3540	329	9	(	(	PUNCT
fsr-3540	329	10	1996	1996	NUM
fsr-3540	329	11	)	)	PUNCT
fsr-3540	329	12	.	.	PUNCT
fsr-3540	330	1	the	the	DET
fsr-3540	330	2	mortgage	mortgage	NOUN
fsr-3540	330	3	refinancing	refinancing	NOUN
fsr-3540	330	4	decision	decision	NOUN
fsr-3540	330	5	:	:	PUNCT
fsr-3540	330	6	a	a	DET
fsr-3540	330	7	breakeven	breakeven	ADJ
fsr-3540	330	8	approach	approach	NOUN
fsr-3540	330	9	.	.	PUNCT
fsr-3540	331	1	the	the	DET
fsr-3540	331	2	cpa	cpa	PROPN
fsr-3540	331	3	journal	journal	NOUN
fsr-3540	331	4	,	,	PUNCT
fsr-3540	331	5	66	66	NUM
fsr-3540	331	6	,	,	PUNCT
fsr-3540	331	7	69–71	69–71	NUM
fsr-3540	331	8	.	.	PUNCT
fsr-3540	332	1	johnson	johnson	PROPN
fsr-3540	332	2	,	,	PUNCT
fsr-3540	332	3	r.	r.	PROPN
fsr-3540	332	4	,	,	PUNCT
fsr-3540	332	5	&	&	CCONJ
fsr-3540	332	6	randle	randle	PROPN
fsr-3540	332	7	,	,	PUNCT
fsr-3540	332	8	p.	p.	NOUN
fsr-3540	332	9	(	(	PUNCT
fsr-3540	332	10	2003	2003	NUM
fsr-3540	332	11	)	)	PUNCT
fsr-3540	332	12	.	.	PUNCT
fsr-3540	333	1	the	the	DET
fsr-3540	333	2	mortgage	mortgage	NOUN
fsr-3540	333	3	refinancing	refinancing	NOUN
fsr-3540	333	4	decision	decision	NOUN
fsr-3540	333	5	:	:	PUNCT
fsr-3540	333	6	updated	update	VERB
fsr-3540	333	7	spreadsheet	spreadsheet	NOUN
fsr-3540	333	8	.	.	PUNCT
fsr-3540	334	1	the	the	DET
fsr-3540	334	2	cpa	cpa	PROPN
fsr-3540	334	3	journal	journal	NOUN
fsr-3540	334	4	,	,	PUNCT
fsr-3540	334	5	73	73	NUM
fsr-3540	334	6	,	,	PUNCT
fsr-3540	334	7	60–61	60–61	NUM
fsr-3540	334	8	.	.	PUNCT
fsr-3540	334	9	lerner	lerner	PROPN
fsr-3540	334	10	,	,	PUNCT
fsr-3540	334	11	m.	m.	NOUN
fsr-3540	334	12	(	(	PUNCT
fsr-3540	334	13	2021	2021	NUM
fsr-3540	334	14	)	)	PUNCT
fsr-3540	334	15	.	.	PUNCT
fsr-3540	335	1	recasting	recast	VERB
fsr-3540	335	2	is	be	AUX
fsr-3540	335	3	another	another	DET
fsr-3540	335	4	way	way	NOUN
fsr-3540	335	5	,	,	PUNCT
fsr-3540	335	6	besides	besides	SCONJ
fsr-3540	335	7	refinancing	refinance	VERB
fsr-3540	335	8	,	,	PUNCT
fsr-3540	335	9	to	to	PART
fsr-3540	335	10	save	save	VERB
fsr-3540	335	11	money	money	NOUN
fsr-3540	335	12	on	on	ADP
fsr-3540	335	13	your	your	PRON
fsr-3540	335	14	mortgage	mortgage	NOUN
fsr-3540	335	15	.	.	PUNCT
fsr-3540	336	1	the	the	DET
fsr-3540	336	2	washington	washington	PROPN
fsr-3540	336	3	post	post	PROPN
fsr-3540	336	4	.	.	PUNCT
fsr-3540	336	5	available	available	ADJ
fsr-3540	336	6	at	at	ADP
fsr-3540	336	7	https://www.washingtonpost.com/business/2021/03/24/recasting-is-anotherway-besides-refinancing-save-money-your-mortgage/	https://www.washingtonpost.com/business/2021/03/24/recasting-is-anotherway-besides-refinancing-save-money-your-mortgage/	PROPN
fsr-3540	336	8	mclaughlin	mclaughlin	PROPN
fsr-3540	336	9	,	,	PUNCT
fsr-3540	336	10	k.	k.	PROPN
fsr-3540	336	11	(	(	PUNCT
fsr-3540	336	12	2019	2019	NUM
fsr-3540	336	13	)	)	PUNCT
fsr-3540	336	14	.	.	PUNCT
fsr-3540	337	1	to	to	PART
fsr-3540	337	2	reduce	reduce	VERB
fsr-3540	337	3	payments	payment	NOUN
fsr-3540	337	4	,	,	PUNCT
fsr-3540	337	5	recast	recast	VERB
fsr-3540	337	6	your	your	PRON
fsr-3540	337	7	mortgage	mortgage	NOUN
fsr-3540	337	8	:	:	PUNCT
fsr-3540	337	9	with	with	ADP
fsr-3540	337	10	an	an	DET
fsr-3540	337	11	infusion	infusion	NOUN
fsr-3540	337	12	of	of	ADP
fsr-3540	337	13	cash	cash	NOUN
fsr-3540	337	14	,	,	PUNCT
fsr-3540	337	15	some	some	DET
fsr-3540	337	16	banks	bank	NOUN
fsr-3540	337	17	will	will	AUX
fsr-3540	337	18	re	re	VERB
fsr-3540	337	19	-	-	VERB
fsr-3540	337	20	amortize	amortize	VERB
fsr-3540	337	21	a	a	DET
fsr-3540	337	22	mortgage	mortgage	NOUN
fsr-3540	337	23	to	to	ADP
fsr-3540	337	24	a	a	DET
fsr-3540	337	25	lower	low	ADJ
fsr-3540	337	26	monthly	monthly	ADJ
fsr-3540	337	27	bill	bill	NOUN
fsr-3540	337	28	.	.	PUNCT
fsr-3540	338	1	the	the	DET
fsr-3540	338	2	wall	wall	PROPN
fsr-3540	338	3	street	street	PROPN
fsr-3540	338	4	journal	journal	PROPN
fsr-3540	338	5	.	.	PUNCT
fsr-3540	339	1	available	available	ADJ
fsr-3540	339	2	at	at	ADP
fsr-3540	339	3	https://www.wsj.com/	https://www.wsj.com/	PROPN
fsr-3540	339	4	articles	article	NOUN
fsr-3540	339	5	/	/	SYM
fsr-3540	339	6	to	to	PART
fsr-3540	339	7	-	-	PUNCT
fsr-3540	339	8	reduce	reduce	VERB
fsr-3540	339	9	-	-	PUNCT
fsr-3540	339	10	payments	payment	NOUN
fsr-3540	339	11	-	-	PUNCT
fsr-3540	339	12	recast	recast	VERB
fsr-3540	339	13	-	-	PUNCT
fsr-3540	339	14	your	your	PRON
fsr-3540	339	15	-	-	PUNCT
fsr-3540	339	16	mortgage-11549466415?adobe_mc¼mcmid%3d17035339205025	mortgage-11549466415?adobe_mc¼mcmid%3d17035339205025	ADJ
fsr-3540	339	17	685463475251611284040076%7cmcorgid%3dcb68e4ba55144caa0a4c98a5%2540adobeorg%	685463475251611284040076%7cmcorgid%3dcb68e4ba55144caa0a4c98a5%2540adobeorg%	PROPN
fsr-3540	339	18	7cts%3d1696883385	7cts%3d1696883385	PROPN
fsr-3540	339	19	motley	motley	ADJ
fsr-3540	339	20	fool	fool	NOUN
fsr-3540	339	21	.	.	PUNCT
fsr-3540	340	1	(	(	PUNCT
fsr-3540	340	2	2020	2020	NUM
fsr-3540	340	3	)	)	PUNCT
fsr-3540	340	4	.	.	PUNCT
fsr-3540	341	1	could	could	AUX
fsr-3540	341	2	mortgage	mortgage	VERB
fsr-3540	341	3	loan	loan	NOUN
fsr-3540	341	4	recasting	recast	VERB
fsr-3540	341	5	work	work	NOUN
fsr-3540	341	6	for	for	ADP
fsr-3540	341	7	you	you	PRON
fsr-3540	341	8	?	?	PUNCT
fsr-3540	342	1	here	here	ADV
fsr-3540	342	2	’s	’	VERB
fsr-3540	342	3	how	how	SCONJ
fsr-3540	342	4	it	it	PRON
fsr-3540	342	5	works	work	VERB
fsr-3540	342	6	.	.	PUNCT
fsr-3540	343	1	available	available	ADJ
fsr-3540	343	2	at	at	ADP
fsr-3540	343	3	https://	https://	PROPN
fsr-3540	343	4	www.usatoday.com/story/money/2020/07/30/what-is-mortgage-loan-recasting/112446088/	www.usatoday.com/story/money/2020/07/30/what-is-mortgage-loan-recasting/112446088/	NOUN
fsr-3540	343	5	noyan	noyan	ADJ
fsr-3540	343	6	,	,	PUNCT
fsr-3540	343	7	a.	a.	PROPN
fsr-3540	343	8	,	,	PUNCT
fsr-3540	343	9	&	&	CCONJ
fsr-3540	343	10	eugene	eugene	PROPN
fsr-3540	343	11	,	,	PUNCT
fsr-3540	343	12	p.	p.	NOUN
fsr-3540	343	13	(	(	PUNCT
fsr-3540	343	14	1993	1993	NUM
fsr-3540	343	15	)	)	PUNCT
fsr-3540	343	16	.	.	PUNCT
fsr-3540	344	1	revisiting	revisit	VERB
fsr-3540	344	2	the	the	DET
fsr-3540	344	3	economics	economic	NOUN
fsr-3540	344	4	of	of	ADP
fsr-3540	344	5	mortgage	mortgage	NOUN
fsr-3540	344	6	refinancing	refinancing	NOUN
fsr-3540	344	7	.	.	PUNCT
fsr-3540	345	1	journal	journal	PROPN
fsr-3540	345	2	of	of	ADP
fsr-3540	345	3	retail	retail	ADJ
fsr-3540	345	4	banking	banking	NOUN
fsr-3540	345	5	,	,	PUNCT
fsr-3540	345	6	15	15	NUM
fsr-3540	345	7	,	,	PUNCT
fsr-3540	345	8	45–48	45–48	NUM
fsr-3540	345	9	.	.	PUNCT
fsr-3540	346	1	rose	rise	VERB
fsr-3540	346	2	,	,	PUNCT
fsr-3540	346	3	c.	c.	PROPN
fsr-3540	346	4	c.	c.	PROPN
fsr-3540	346	5	(	(	PUNCT
fsr-3540	346	6	1992	1992	NUM
fsr-3540	346	7	)	)	PUNCT
fsr-3540	346	8	.	.	PUNCT
fsr-3540	347	1	real	real	ADJ
fsr-3540	347	2	estate	estate	NOUN
fsr-3540	347	3	investment	investment	NOUN
fsr-3540	347	4	refinancing	refinancing	NOUN
fsr-3540	347	5	.	.	PUNCT
fsr-3540	348	1	real	real	ADJ
fsr-3540	348	2	estate	estate	NOUN
fsr-3540	348	3	finance	finance	NOUN
fsr-3540	348	4	,	,	PUNCT
fsr-3540	348	5	8	8	NUM
fsr-3540	348	6	,	,	PUNCT
fsr-3540	348	7	57–62	57–62	NUM
fsr-3540	348	8	.	.	PUNCT
fsr-3540	348	9	social	social	ADJ
fsr-3540	348	10	security	security	NOUN
fsr-3540	348	11	administration	administration	NOUN
fsr-3540	348	12	.	.	PUNCT
fsr-3540	349	1	(	(	PUNCT
fsr-3540	349	2	2022	2022	NUM
fsr-3540	349	3	)	)	PUNCT
fsr-3540	349	4	.	.	PUNCT
fsr-3540	350	1	retirement	retirement	NOUN
fsr-3540	350	2	benefits	benefit	NOUN
fsr-3540	350	3	.	.	PUNCT
fsr-3540	351	1	publication	publication	NOUN
fsr-3540	351	2	no	no	INTJ
fsr-3540	351	3	.	.	NOUN
fsr-3540	352	1	05	05	NUM
fsr-3540	352	2	-	-	SYM
fsr-3540	352	3	10035	10035	NUM
fsr-3540	352	4	.	.	PUNCT
fsr-3540	353	1	available	available	ADJ
fsr-3540	353	2	at	at	ADP
fsr-3540	353	3	https://	https://	PROPN
fsr-3540	353	4	www.ssa.gov/pubs/en-05-10035.pdf	www.ssa.gov/pubs/en-05-10035.pdf	PROPN
fsr-3540	353	5	208	208	NUM
fsr-3540	353	6	c.	c.	PROPN
fsr-3540	353	7	mcclatchey	mcclatchey	PROPN
fsr-3540	353	8	/	/	SYM
fsr-3540	353	9	financial	financial	ADJ
fsr-3540	353	10	services	service	NOUN
fsr-3540	353	11	review	review	VERB
fsr-3540	353	12	31	31	NUM
fsr-3540	353	13	(	(	PUNCT
fsr-3540	353	14	2023	2023	NUM
fsr-3540	353	15	)	)	PUNCT
fsr-3540	354	1	197–209	197–209	NUM
fsr-3540	354	2	stolba	stolba	ADV
fsr-3540	354	3	,	,	PUNCT
fsr-3540	354	4	s.	s.	PROPN
fsr-3540	354	5	l.	l.	PROPN
fsr-3540	354	6	(	(	PUNCT
fsr-3540	354	7	2021	2021	NUM
fsr-3540	354	8	)	)	PUNCT
fsr-3540	354	9	.	.	PUNCT
fsr-3540	355	1	mortgage	mortgage	NOUN
fsr-3540	355	2	debt	debt	NOUN
fsr-3540	355	3	sees	see	VERB
fsr-3540	355	4	record	record	NOUN
fsr-3540	355	5	growth	growth	NOUN
fsr-3540	355	6	despite	despite	SCONJ
fsr-3540	355	7	the	the	DET
fsr-3540	355	8	pandemic	pandemic	NOUN
fsr-3540	355	9	.	.	PUNCT
fsr-3540	356	1	available	available	ADJ
fsr-3540	356	2	at	at	ADP
fsr-3540	356	3	https://www.experian	https://www.experian	PROPN
fsr-3540	356	4	.	.	PUNCT
fsr-3540	356	5	com	com	NOUN
fsr-3540	356	6	/	/	SYM
fsr-3540	356	7	blogs	blog	NOUN
fsr-3540	356	8	/	/	SYM
fsr-3540	356	9	ask	ask	NOUN
fsr-3540	356	10	-	-	PUNCT
fsr-3540	356	11	experian	experian	ADJ
fsr-3540	356	12	/	/	SYM
fsr-3540	356	13	how	how	ADV
fsr-3540	356	14	-	-	PUNCT
fsr-3540	356	15	much	much	ADJ
fsr-3540	356	16	-	-	PUNCT
fsr-3540	356	17	americans	americans	PROPN
fsr-3540	356	18	-	-	PUNCT
fsr-3540	356	19	owe	owe	NOUN
fsr-3540	356	20	-	-	PUNCT
fsr-3540	356	21	on	on	ADP
fsr-3540	356	22	-	-	PUNCT
fsr-3540	356	23	their	their	PRON
fsr-3540	356	24	-	-	PUNCT
fsr-3540	356	25	mortgages	mortgage	NOUN
fsr-3540	356	26	-	-	PUNCT
fsr-3540	356	27	in	in	ADP
fsr-3540	356	28	-	-	PUNCT
fsr-3540	356	29	every	every	DET
fsr-3540	356	30	-	-	PUNCT
fsr-3540	356	31	state/	state/	NOUN
fsr-3540	356	32	treece	treece	PROPN
fsr-3540	356	33	,	,	PUNCT
fsr-3540	356	34	k.	k.	PROPN
fsr-3540	356	35	,	,	PUNCT
fsr-3540	356	36	&	&	CCONJ
fsr-3540	356	37	cetera	cetera	NOUN
fsr-3540	356	38	,	,	PUNCT
fsr-3540	356	39	m.	m.	NOUN
fsr-3540	356	40	(	(	PUNCT
fsr-3540	356	41	2020	2020	NUM
fsr-3540	356	42	)	)	PUNCT
fsr-3540	356	43	.	.	PUNCT
fsr-3540	357	1	mortgage	mortgage	NOUN
fsr-3540	357	2	recasting	recast	VERB
fsr-3540	357	3	:	:	PUNCT
fsr-3540	357	4	can	can	AUX
fsr-3540	357	5	it	it	PRON
fsr-3540	357	6	save	save	VERB
fsr-3540	357	7	your	your	PRON
fsr-3540	357	8	money	money	NOUN
fsr-3540	357	9	?	?	PUNCT
fsr-3540	358	1	forbes	forbes	PROPN
fsr-3540	358	2	advisor	advisor	PROPN
fsr-3540	358	3	.	.	PROPN
fsr-3540	358	4	available	available	ADJ
fsr-3540	358	5	at	at	ADP
fsr-3540	358	6	https://www.forbes.com/advisor/mortgages/mortgage-recasting/	https://www.forbes.com/advisor/mortgages/mortgage-recasting/	PROPN
fsr-3540	358	7	virmani	virmani	PROPN
fsr-3540	358	8	,	,	PUNCT
fsr-3540	358	9	s.	s.	PROPN
fsr-3540	358	10	,	,	PUNCT
fsr-3540	358	11	&	&	CCONJ
fsr-3540	358	12	murphy	murphy	PROPN
fsr-3540	358	13	,	,	PUNCT
fsr-3540	358	14	a.	a.	NOUN
fsr-3540	358	15	(	(	PUNCT
fsr-3540	358	16	2010	2010	NUM
fsr-3540	358	17	)	)	PUNCT
fsr-3540	358	18	.	.	PUNCT
fsr-3540	359	1	an	an	DET
fsr-3540	359	2	empirical	empirical	ADJ
fsr-3540	359	3	analysis	analysis	NOUN
fsr-3540	359	4	of	of	ADP
fsr-3540	359	5	residential	residential	ADJ
fsr-3540	359	6	mortgage	mortgage	NOUN
fsr-3540	359	7	refinancing	refinance	VERB
fsr-3540	359	8	decision	decision	NOUN
fsr-3540	359	9	-	-	PUNCT
fsr-3540	359	10	making	making	NOUN
fsr-3540	359	11	.	.	PUNCT
fsr-3540	360	1	journal	journal	NOUN
fsr-3540	360	2	of	of	ADP
fsr-3540	360	3	housing	housing	NOUN
fsr-3540	360	4	research	research	NOUN
fsr-3540	360	5	,	,	PUNCT
fsr-3540	360	6	19	19	NUM
fsr-3540	360	7	,	,	PUNCT
fsr-3540	360	8	129–138	129–138	NUM
fsr-3540	360	9	.	.	PUNCT
fsr-3540	361	1	https://doi.org/10.1080/10835547.2010.12092021	https://doi.org/10.1080/10835547.2010.12092021	PROPN
fsr-3540	361	2	c.	c.	PROPN
fsr-3540	361	3	mcclatchey	mcclatchey	PROPN
fsr-3540	361	4	/	/	SYM
fsr-3540	361	5	financial	financial	ADJ
fsr-3540	361	6	services	service	NOUN
fsr-3540	361	7	review	review	VERB
fsr-3540	361	8	31	31	NUM
fsr-3540	361	9	(	(	PUNCT
fsr-3540	361	10	2023	2023	NUM
fsr-3540	361	11	)	)	PUNCT
fsr-3540	362	1	197–209	197–209	NUM
fsr-3540	362	2	209	209	NUM