id	sid	tid	token	lemma	pos
fsr-3542	1	1	finser_31	finser_31	PROPN
fsr-3542	1	2	-	-	PUNCT
fsr-3542	1	3	2_complete_issue	2_complete_issue	PROPN
fsr-3542	1	4	afs	afs	NOUN
fsr-3542	1	5	and	and	CCONJ
fsr-3542	1	6	fpa	fpa	NOUN
fsr-3542	1	7	members	member	NOUN
fsr-3542	1	8	can	can	AUX
fsr-3542	1	9	earn	earn	VERB
fsr-3542	1	10	ce	ce	PROPN
fsr-3542	1	11	credits	credit	NOUN
fsr-3542	1	12	through	through	ADP
fsr-3542	1	13	financial	financial	ADJ
fsr-3542	1	14	services	service	NOUN
fsr-3542	1	15	review	review	NOUN
fsr-3542	1	16	.	.	PUNCT
fsr-3542	2	1	go	go	VERB
fsr-3542	2	2	to	to	ADP
fsr-3542	2	3	fpajournal.org	fpajournal.org	PROPN
fsr-3542	2	4	.	.	PUNCT
fsr-3542	3	1	to	to	PART
fsr-3542	3	2	receive	receive	VERB
fsr-3542	3	3	one	one	NUM
fsr-3542	3	4	hour	hour	NOUN
fsr-3542	3	5	of	of	ADP
fsr-3542	3	6	continuing	continue	VERB
fsr-3542	3	7	education	education	NOUN
fsr-3542	3	8	credit	credit	NOUN
fsr-3542	3	9	allotted	allot	VERB
fsr-3542	3	10	for	for	ADP
fsr-3542	3	11	this	this	DET
fsr-3542	3	12	exam	exam	NOUN
fsr-3542	3	13	,	,	PUNCT
fsr-3542	3	14	you	you	PRON
fsr-3542	3	15	must	must	AUX
fsr-3542	3	16	answer	answer	VERB
fsr-3542	3	17	four	four	NUM
fsr-3542	3	18	out	out	ADP
fsr-3542	3	19	of	of	ADP
fsr-3542	3	20	five	five	NUM
fsr-3542	3	21	questions	question	NOUN
fsr-3542	3	22	correctly	correctly	ADV
fsr-3542	3	23	.	.	PUNCT
fsr-3542	4	1	ce	ce	PROPN
fsr-3542	4	2	credit	credit	NOUN
fsr-3542	4	3	for	for	ADP
fsr-3542	4	4	this	this	DET
fsr-3542	4	5	issue	issue	NOUN
fsr-3542	4	6	of	of	ADP
fsr-3542	4	7	financial	financial	ADJ
fsr-3542	4	8	services	service	NOUN
fsr-3542	4	9	review	review	NOUN
fsr-3542	4	10	expires	expire	VERB
fsr-3542	4	11	december	december	PROPN
fsr-3542	4	12	31	31	NUM
fsr-3542	4	13	,	,	PUNCT
fsr-3542	4	14	2023	2023	NUM
fsr-3542	4	15	,	,	PUNCT
fsr-3542	4	16	subject	subject	ADJ
fsr-3542	4	17	to	to	ADP
fsr-3542	4	18	any	any	DET
fsr-3542	4	19	changes	change	NOUN
fsr-3542	4	20	dictated	dictate	VERB
fsr-3542	4	21	by	by	ADP
fsr-3542	4	22	cfp	cfp	PROPN
fsr-3542	4	23	board	board	PROPN
fsr-3542	4	24	.	.	PUNCT
fsr-3542	5	1	afs	afs	PROPN
fsr-3542	5	2	and	and	CCONJ
fsr-3542	5	3	fpa	fpa	PROPN
fsr-3542	5	4	offer	offer	VERB
fsr-3542	5	5	financial	financial	ADJ
fsr-3542	5	6	services	services	PROPN
fsr-3542	5	7	review	review	PROPN
fsr-3542	5	8	ce	ce	PROPN
fsr-3542	5	9	online	online	PROPN
fsr-3542	5	10	-	-	PUNCT
fsr-3542	5	11	only	only	ADV
fsr-3542	5	12	—	—	PUNCT
fsr-3542	5	13	paper	paper	NOUN
fsr-3542	5	14	continuing	continue	VERB
fsr-3542	5	15	education	education	NOUN
fsr-3542	5	16	will	will	AUX
fsr-3542	5	17	not	not	PART
fsr-3542	5	18	be	be	AUX
fsr-3542	5	19	processed	process	VERB
fsr-3542	5	20	.	.	PUNCT
fsr-3542	6	1	go	go	VERB
fsr-3542	6	2	to	to	ADP
fsr-3542	6	3	fpajournal.org	fpajournal.org	ADJ
fsr-3542	6	4	to	to	PART
fsr-3542	6	5	take	take	VERB
fsr-3542	6	6	current	current	ADJ
fsr-3542	6	7	and	and	CCONJ
fsr-3542	6	8	past	past	ADJ
fsr-3542	6	9	ce	ce	PROPN
fsr-3542	6	10	exams	exam	NOUN
fsr-3542	6	11	(	(	PUNCT
fsr-3542	6	12	free	free	ADJ
fsr-3542	6	13	to	to	PART
fsr-3542	6	14	afs	afs	NOUN
fsr-3542	6	15	and	and	CCONJ
fsr-3542	6	16	fpa	fpa	NOUN
fsr-3542	6	17	members	member	NOUN
fsr-3542	6	18	)	)	PUNCT
fsr-3542	6	19	.	.	PUNCT
fsr-3542	7	1	you	you	PRON
fsr-3542	7	2	may	may	AUX
fsr-3542	7	3	use	use	VERB
fsr-3542	7	4	this	this	DET
fsr-3542	7	5	page	page	NOUN
fsr-3542	7	6	for	for	ADP
fsr-3542	7	7	reference	reference	NOUN
fsr-3542	7	8	.	.	PUNCT
fsr-3542	8	1	please	please	AUX
fsr-3542	8	2	allow	allow	VERB
fsr-3542	8	3	2	2	NUM
fsr-3542	8	4	-	-	SYM
fsr-3542	8	5	3	3	NUM
fsr-3542	8	6	weeks	week	NOUN
fsr-3542	8	7	for	for	SCONJ
fsr-3542	8	8	credit	credit	NOUN
fsr-3542	8	9	to	to	PART
fsr-3542	8	10	be	be	AUX
fsr-3542	8	11	processed	process	VERB
fsr-3542	8	12	and	and	CCONJ
fsr-3542	8	13	reported	report	VERB
fsr-3542	8	14	to	to	ADP
fsr-3542	8	15	cfp	cfp	PROPN
fsr-3542	8	16	board	board	PROPN
fsr-3542	8	17	.	.	PUNCT
fsr-3542	9	1	1	1	X
fsr-3542	9	2	.	.	X
fsr-3542	9	3	in	in	ADP
fsr-3542	9	4	davis	davis	PROPN
fsr-3542	9	5	et	et	PROPN
fsr-3542	9	6	al	al	PROPN
fsr-3542	9	7	.	.	PROPN
fsr-3542	9	8	,	,	PUNCT
fsr-3542	9	9	which	which	PRON
fsr-3542	9	10	of	of	ADP
fsr-3542	9	11	the	the	DET
fsr-3542	9	12	following	following	ADJ
fsr-3542	9	13	statements	statement	NOUN
fsr-3542	9	14	is	be	AUX
fsr-3542	9	15	true	true	ADJ
fsr-3542	9	16	based	base	VERB
fsr-3542	9	17	on	on	ADP
fsr-3542	9	18	the	the	DET
fsr-3542	9	19	article	article	NOUN
fsr-3542	9	20	’s	’s	PART
fsr-3542	9	21	findings	finding	NOUN
fsr-3542	9	22	:	:	PUNCT
fsr-3542	9	23	(	(	PUNCT
fsr-3542	9	24	select	select	VERB
fsr-3542	9	25	one	one	NUM
fsr-3542	9	26	best	good	ADJ
fsr-3542	9	27	option	option	NOUN
fsr-3542	9	28	)	)	PUNCT
fsr-3542	9	29	a.	a.	NOUN
fsr-3542	9	30	students	student	NOUN
fsr-3542	9	31	with	with	ADP
fsr-3542	9	32	high	high	ADJ
fsr-3542	9	33	measured	measure	VERB
fsr-3542	9	34	financial	financial	ADJ
fsr-3542	9	35	literacy	literacy	NOUN
fsr-3542	9	36	and	and	CCONJ
fsr-3542	9	37	low	low	ADJ
fsr-3542	9	38	self	self	NOUN
fsr-3542	9	39	-	-	PUNCT
fsr-3542	9	40	assessed	assess	VERB
fsr-3542	9	41	financial	financial	ADJ
fsr-3542	9	42	literacy	literacy	NOUN
fsr-3542	9	43	are	be	AUX
fsr-3542	9	44	the	the	DET
fsr-3542	9	45	most	most	ADV
fsr-3542	9	46	interested	interested	ADJ
fsr-3542	9	47	in	in	ADP
fsr-3542	9	48	financial	financial	ADJ
fsr-3542	9	49	education	education	NOUN
fsr-3542	9	50	.	.	PUNCT
fsr-3542	10	1	b.	b.	PROPN
fsr-3542	10	2	students	student	NOUN
fsr-3542	10	3	with	with	ADP
fsr-3542	10	4	high	high	ADJ
fsr-3542	10	5	measured	measure	VERB
fsr-3542	10	6	financial	financial	ADJ
fsr-3542	10	7	literacy	literacy	NOUN
fsr-3542	10	8	and	and	CCONJ
fsr-3542	10	9	high	high	ADJ
fsr-3542	10	10	self	self	NOUN
fsr-3542	10	11	-	-	PUNCT
fsr-3542	10	12	assessed	assess	VERB
fsr-3542	10	13	financial	financial	ADJ
fsr-3542	10	14	literacy	literacy	NOUN
fsr-3542	10	15	are	be	AUX
fsr-3542	10	16	the	the	DET
fsr-3542	10	17	most	most	ADV
fsr-3542	10	18	interested	interested	ADJ
fsr-3542	10	19	in	in	ADP
fsr-3542	10	20	financial	financial	ADJ
fsr-3542	10	21	education	education	NOUN
fsr-3542	10	22	.	.	PUNCT
fsr-3542	11	1	c.	c.	NOUN
fsr-3542	11	2	students	student	NOUN
fsr-3542	11	3	with	with	ADP
fsr-3542	11	4	low	low	ADJ
fsr-3542	11	5	measured	measure	VERB
fsr-3542	11	6	financial	financial	ADJ
fsr-3542	11	7	literacy	literacy	NOUN
fsr-3542	11	8	and	and	CCONJ
fsr-3542	11	9	low	low	ADJ
fsr-3542	11	10	self	self	NOUN
fsr-3542	11	11	-	-	PUNCT
fsr-3542	11	12	assessed	assess	VERB
fsr-3542	11	13	financial	financial	ADJ
fsr-3542	11	14	literacy	literacy	NOUN
fsr-3542	11	15	are	be	AUX
fsr-3542	11	16	the	the	DET
fsr-3542	11	17	most	most	ADV
fsr-3542	11	18	interested	interested	ADJ
fsr-3542	11	19	in	in	ADP
fsr-3542	11	20	financial	financial	ADJ
fsr-3542	11	21	education	education	NOUN
fsr-3542	11	22	.	.	PUNCT
fsr-3542	12	1	d.	d.	PROPN
fsr-3542	12	2	students	student	NOUN
fsr-3542	12	3	with	with	ADP
fsr-3542	12	4	low	low	ADJ
fsr-3542	12	5	measured	measure	VERB
fsr-3542	12	6	financial	financial	ADJ
fsr-3542	12	7	literacy	literacy	NOUN
fsr-3542	12	8	and	and	CCONJ
fsr-3542	12	9	high	high	ADJ
fsr-3542	12	10	self	self	NOUN
fsr-3542	12	11	-	-	PUNCT
fsr-3542	12	12	assessed	assess	VERB
fsr-3542	12	13	financial	financial	ADJ
fsr-3542	12	14	literacy	literacy	NOUN
fsr-3542	12	15	are	be	AUX
fsr-3542	12	16	the	the	DET
fsr-3542	12	17	most	most	ADV
fsr-3542	12	18	interested	interested	ADJ
fsr-3542	12	19	in	in	ADP
fsr-3542	12	20	financial	financial	ADJ
fsr-3542	12	21	education	education	NOUN
fsr-3542	12	22	.	.	PUNCT
fsr-3542	13	1	2	2	X
fsr-3542	13	2	.	.	X
fsr-3542	13	3	authors	author	NOUN
fsr-3542	13	4	augustin	augustin	PROPN
fsr-3542	13	5	and	and	CCONJ
fsr-3542	13	6	martin	martin	PROPN
fsr-3542	13	7	found	find	VERB
fsr-3542	13	8	this	this	DET
fsr-3542	13	9	type	type	NOUN
fsr-3542	13	10	of	of	ADP
fsr-3542	13	11	exposure	exposure	NOUN
fsr-3542	13	12	to	to	ADP
fsr-3542	13	13	financial	financial	ADJ
fsr-3542	13	14	literacy	literacy	NOUN
fsr-3542	13	15	has	have	VERB
fsr-3542	13	16	the	the	DET
fsr-3542	13	17	greatest	great	ADJ
fsr-3542	13	18	impact	impact	NOUN
fsr-3542	13	19	on	on	ADP
fsr-3542	13	20	positive	positive	ADJ
fsr-3542	13	21	financial	financial	ADJ
fsr-3542	13	22	behaviors	behavior	NOUN
fsr-3542	13	23	?	?	PUNCT
fsr-3542	14	1	a.	a.	PROPN
fsr-3542	14	2	high	high	PROPN
fsr-3542	14	3	school	school	PROPN
fsr-3542	14	4	exposure	exposure	PROPN
fsr-3542	14	5	b.	b.	PROPN
fsr-3542	14	6	college	college	PROPN
fsr-3542	14	7	exposure	exposure	PROPN
fsr-3542	14	8	c.	c.	PROPN
fsr-3542	14	9	seminar	seminar	NOUN
fsr-3542	14	10	exposure	exposure	PROPN
fsr-3542	14	11	d.	d.	PROPN
fsr-3542	14	12	work	work	PROPN
fsr-3542	14	13	exposure	exposure	NOUN
fsr-3542	14	14	3	3	NUM
fsr-3542	14	15	.	.	PUNCT
fsr-3542	15	1	according	accord	VERB
fsr-3542	15	2	to	to	ADP
fsr-3542	15	3	the	the	DET
fsr-3542	15	4	findings	finding	NOUN
fsr-3542	15	5	in	in	ADP
fsr-3542	15	6	financial	financial	ADJ
fsr-3542	15	7	planning	planning	NOUN
fsr-3542	15	8	time	time	NOUN
fsr-3542	15	9	horizon	horizon	NOUN
fsr-3542	15	10	and	and	CCONJ
fsr-3542	15	11	end	end	NOUN
fsr-3542	15	12	-	-	PUNCT
fsr-3542	15	13	of	of	ADP
fsr-3542	15	14	-	-	PUNCT
fsr-3542	15	15	life	life	NOUN
fsr-3542	15	16	mortality	mortality	NOUN
fsr-3542	15	17	expectations	expectation	NOUN
fsr-3542	15	18	,	,	PUNCT
fsr-3542	15	19	everything	everything	PRON
fsr-3542	15	20	else	else	ADV
fsr-3542	15	21	equal	equal	ADJ
fsr-3542	15	22	,	,	PUNCT
fsr-3542	15	23	people	people	NOUN
fsr-3542	15	24	who	who	PRON
fsr-3542	15	25	have	have	VERB
fsr-3542	15	26	more	more	ADJ
fsr-3542	15	27	wealth	wealth	NOUN
fsr-3542	15	28	are	be	AUX
fsr-3542	15	29	more	more	ADV
fsr-3542	15	30	likely	likely	ADJ
fsr-3542	15	31	to	to	PART
fsr-3542	15	32	a.	a.	NOUN
fsr-3542	15	33	plan	plan	VERB
fsr-3542	15	34	their	their	PRON
fsr-3542	15	35	finances	finance	NOUN
fsr-3542	15	36	relatively	relatively	ADV
fsr-3542	15	37	longer	long	ADV
fsr-3542	15	38	into	into	ADP
fsr-3542	15	39	the	the	DET
fsr-3542	15	40	future	future	NOUN
fsr-3542	15	41	.	.	PUNCT
fsr-3542	16	1	b.	b.	PROPN
fsr-3542	16	2	not	not	PART
fsr-3542	16	3	engage	engage	VERB
fsr-3542	16	4	in	in	ADP
fsr-3542	16	5	any	any	DET
fsr-3542	16	6	financial	financial	ADJ
fsr-3542	16	7	planning	planning	NOUN
fsr-3542	16	8	.	.	PUNCT
fsr-3542	17	1	c.	c.	PROPN
fsr-3542	17	2	plan	plan	PROPN
fsr-3542	17	3	with	with	ADP
fsr-3542	17	4	a	a	DET
fsr-3542	17	5	focus	focus	NOUN
fsr-3542	17	6	limited	limit	VERB
fsr-3542	17	7	to	to	ADP
fsr-3542	17	8	the	the	DET
fsr-3542	17	9	next	next	ADJ
fsr-3542	17	10	six	six	NUM
fsr-3542	17	11	months	month	NOUN
fsr-3542	17	12	.	.	PUNCT
fsr-3542	18	1	d.	d.	PROPN
fsr-3542	18	2	rent	rent	VERB
fsr-3542	18	3	rather	rather	ADV
fsr-3542	18	4	than	than	ADP
fsr-3542	18	5	own	own	VERB
fsr-3542	18	6	their	their	PRON
fsr-3542	18	7	homes	home	NOUN
fsr-3542	18	8	.	.	PUNCT
fsr-3542	19	1	4	4	X
fsr-3542	19	2	.	.	X
fsr-3542	19	3	according	accord	VERB
fsr-3542	19	4	to	to	ADP
fsr-3542	19	5	the	the	DET
fsr-3542	19	6	article	article	NOUN
fsr-3542	19	7	“	"	PUNCT
fsr-3542	19	8	the	the	DET
fsr-3542	19	9	changing	change	VERB
fsr-3542	19	10	assessment	assessment	NOUN
fsr-3542	19	11	of	of	ADP
fsr-3542	19	12	risk	risk	NOUN
fsr-3542	19	13	for	for	ADP
fsr-3542	19	14	young	young	ADJ
fsr-3542	19	15	investors	investor	NOUN
fsr-3542	19	16	”	"	PUNCT
fsr-3542	19	17	,	,	PUNCT
fsr-3542	19	18	which	which	PRON
fsr-3542	19	19	of	of	ADP
fsr-3542	19	20	the	the	DET
fsr-3542	19	21	following	following	NOUN
fsr-3542	19	22	are	be	AUX
fsr-3542	19	23	drivers	driver	NOUN
fsr-3542	19	24	of	of	ADP
fsr-3542	19	25	risk	risk	NOUN
fsr-3542	19	26	tolerance	tolerance	NOUN
fsr-3542	19	27	for	for	ADP
fsr-3542	19	28	gen	gen	PROPN
fsr-3542	19	29	z	z	PROPN
fsr-3542	19	30	?	?	PUNCT
fsr-3542	19	31	a.	a.	NOUN
fsr-3542	19	32	willingness	willingness	NOUN
fsr-3542	19	33	to	to	PART
fsr-3542	19	34	take	take	VERB
fsr-3542	19	35	risk	risk	NOUN
fsr-3542	19	36	,	,	PUNCT
fsr-3542	19	37	self	self	NOUN
fsr-3542	19	38	-	-	PUNCT
fsr-3542	19	39	reported	report	VERB
fsr-3542	19	40	investment	investment	NOUN
fsr-3542	19	41	risk	risk	NOUN
fsr-3542	19	42	tolerance	tolerance	NOUN
fsr-3542	19	43	,	,	PUNCT
fsr-3542	19	44	and	and	CCONJ
fsr-3542	19	45	ownership	ownership	NOUN
fsr-3542	19	46	of	of	ADP
fsr-3542	19	47	investment	investment	NOUN
fsr-3542	19	48	accounts	account	NOUN
fsr-3542	19	49	.	.	PUNCT
fsr-3542	20	1	b.	b.	PROPN
fsr-3542	20	2	willingness	willingness	NOUN
fsr-3542	20	3	to	to	PART
fsr-3542	20	4	take	take	VERB
fsr-3542	20	5	risk	risk	NOUN
fsr-3542	20	6	and	and	CCONJ
fsr-3542	20	7	selfreported	selfreporte	VERB
fsr-3542	20	8	investment	investment	NOUN
fsr-3542	20	9	risk	risk	NOUN
fsr-3542	20	10	tolerance	tolerance	NOUN
fsr-3542	20	11	.	.	PUNCT
fsr-3542	21	1	c.	c.	NOUN
fsr-3542	21	2	ownership	ownership	NOUN
fsr-3542	21	3	of	of	ADP
fsr-3542	21	4	investment	investment	NOUN
fsr-3542	21	5	accounts	account	NOUN
fsr-3542	21	6	.	.	PUNCT
fsr-3542	22	1	d.	d.	PROPN
fsr-3542	22	2	none	none	NOUN
fsr-3542	22	3	of	of	ADP
fsr-3542	22	4	the	the	DET
fsr-3542	22	5	above	above	ADJ
fsr-3542	22	6	.	.	PUNCT
fsr-3542	23	1	5	5	X
fsr-3542	23	2	.	.	X
fsr-3542	23	3	loan	loan	NOUN
fsr-3542	23	4	modification	modification	NOUN
fsr-3542	23	5	options	option	NOUN
fsr-3542	23	6	depend	depend	VERB
fsr-3542	23	7	on	on	ADP
fsr-3542	23	8	current	current	ADJ
fsr-3542	23	9	interest	interest	NOUN
fsr-3542	23	10	rates	rate	NOUN
fsr-3542	23	11	and	and	CCONJ
fsr-3542	23	12	changes	change	NOUN
fsr-3542	23	13	in	in	ADP
fsr-3542	23	14	home	home	NOUN
fsr-3542	23	15	values	value	NOUN
fsr-3542	23	16	.	.	PUNCT
fsr-3542	24	1	as	as	SCONJ
fsr-3542	24	2	discussed	discuss	VERB
fsr-3542	24	3	by	by	ADP
fsr-3542	24	4	mcclatchey	mcclatchey	PROPN
fsr-3542	24	5	,	,	PUNCT
fsr-3542	24	6	a	a	DET
fsr-3542	24	7	refinance	refinance	NOUN
fsr-3542	24	8	is	be	AUX
fsr-3542	24	9	most	most	ADV
fsr-3542	24	10	valuable	valuable	ADJ
fsr-3542	24	11	when	when	SCONJ
fsr-3542	24	12	interest	interest	NOUN
fsr-3542	24	13	rates	rate	NOUN
fsr-3542	24	14	have	have	VERB
fsr-3542	24	15	_	_	NOUN
fsr-3542	25	1	_	_	PUNCT
fsr-3542	26	1	_	_	PUNCT
fsr-3542	27	1	_	_	PUNCT
fsr-3542	28	1	_	_	PUNCT
fsr-3542	29	1	_	_	PUNCT
fsr-3542	30	1	_	_	PUNCT
fsr-3542	31	1	_	_	PUNCT
fsr-3542	31	2	and	and	CCONJ
fsr-3542	31	3	home	home	NOUN
fsr-3542	31	4	values	value	NOUN
fsr-3542	31	5	have	have	VERB
fsr-3542	31	6	_	_	NOUN
fsr-3542	32	1	_	_	PUNCT
fsr-3542	33	1	_	_	PUNCT
fsr-3542	34	1	_	_	PUNCT
fsr-3542	35	1	_	_	PUNCT
fsr-3542	36	1	_	_	PUNCT
fsr-3542	37	1	_	_	PUNCT
fsr-3542	38	1	_	_	PUNCT
fsr-3542	38	2	.	.	PUNCT
fsr-3542	39	1	a.	a.	PROPN
fsr-3542	39	2	decreased	decrease	VERB
fsr-3542	39	3	;	;	PUNCT
fsr-3542	39	4	increased	increased	PROPN
fsr-3542	39	5	b.	b.	PROPN
fsr-3542	39	6	decreased	decrease	VERB
fsr-3542	39	7	;	;	PUNCT
fsr-3542	39	8	decreased	decrease	VERB
fsr-3542	39	9	c.	c.	PROPN
fsr-3542	39	10	increased	increase	VERB
fsr-3542	39	11	;	;	PUNCT
fsr-3542	39	12	increased	increase	VERB
fsr-3542	39	13	d.	d.	PROPN
fsr-3542	39	14	increased	increase	VERB
fsr-3542	39	15	;	;	PUNCT
fsr-3542	39	16	decreased	decrease	VERB
fsr-3542	39	17	ce	ce	PROPN
fsr-3542	39	18	1	1	NUM
fsr-3542	39	19	-	-	PUNCT
fsr-3542	39	20	hour	hour	NOUN
fsr-3542	39	21	general	general	ADJ
fsr-3542	39	22	principles	principle	NOUN
fsr-3542	39	23	of	of	ADP
fsr-3542	39	24	financial	financial	ADJ
fsr-3542	39	25	planning	planning	NOUN
fsr-3542	39	26	,	,	PUNCT
fsr-3542	39	27	risk	risk	NOUN
fsr-3542	39	28	and	and	CCONJ
fsr-3542	39	29	insurance	insurance	NOUN
fsr-3542	39	30	planning	planning	NOUN
fsr-3542	39	31	,	,	PUNCT
fsr-3542	39	32	and	and	CCONJ
fsr-3542	39	33	estate	estate	NOUN
fsr-3542	39	34	planning	planning	NOUN
fsr-3542	39	35	manuscript	manuscript	NOUN
fsr-3542	39	36	submissions	submission	NOUN
fsr-3542	39	37	and	and	CCONJ
fsr-3542	39	38	style	style	NOUN
fsr-3542	39	39	(	(	PUNCT
fsr-3542	39	40	1	1	NUM
fsr-3542	39	41	)	)	PUNCT
fsr-3542	39	42	papers	paper	NOUN
fsr-3542	39	43	must	must	AUX
fsr-3542	39	44	be	be	AUX
fsr-3542	39	45	in	in	ADP
fsr-3542	39	46	english	english	PROPN
fsr-3542	39	47	.	.	PUNCT
fsr-3542	40	1	(	(	PUNCT
fsr-3542	40	2	2	2	X
fsr-3542	40	3	)	)	PUNCT
fsr-3542	40	4	papers	paper	NOUN
fsr-3542	40	5	for	for	ADP
fsr-3542	40	6	publication	publication	NOUN
fsr-3542	40	7	should	should	AUX
fsr-3542	40	8	be	be	AUX
fsr-3542	40	9	sent	send	VERB
fsr-3542	40	10	to	to	ADP
fsr-3542	40	11	the	the	DET
fsr-3542	40	12	editor	editor	NOUN
fsr-3542	40	13	:	:	PUNCT
fsr-3542	40	14	terrance	terrance	PROPN
fsr-3542	40	15	k.	k.	PROPN
fsr-3542	40	16	martin	martin	PROPN
fsr-3542	40	17	,	,	PUNCT
fsr-3542	40	18	e	e	NOUN
fsr-3542	40	19	-	-	NOUN
fsr-3542	40	20	mail	mail	NOUN
fsr-3542	40	21	:	:	PUNCT
fsr-3542	40	22	martintk@wssu.edu	martintk@wssu.edu	PROPN
fsr-3542	40	23	.	.	PROPN
fsr-3542	40	24	electronic	electronic	ADJ
fsr-3542	40	25	(	(	PUNCT
fsr-3542	40	26	email	email	NOUN
fsr-3542	40	27	)	)	PUNCT
fsr-3542	40	28	submission	submission	NOUN
fsr-3542	40	29	of	of	ADP
fsr-3542	40	30	manuscripts	manuscript	NOUN
fsr-3542	40	31	is	be	AUX
fsr-3542	40	32	encouraged	encourage	VERB
fsr-3542	40	33	,	,	PUNCT
fsr-3542	40	34	and	and	CCONJ
fsr-3542	40	35	procedures	procedure	NOUN
fsr-3542	40	36	are	be	AUX
fsr-3542	40	37	discussed	discuss	VERB
fsr-3542	40	38	below	below	ADV
fsr-3542	40	39	.	.	PUNCT
fsr-3542	41	1	there	there	PRON
fsr-3542	41	2	is	be	VERB
fsr-3542	41	3	a	a	DET
fsr-3542	41	4	$	$	SYM
fsr-3542	41	5	100	100	NUM
fsr-3542	41	6	submission	submission	NOUN
fsr-3542	41	7	fee	fee	NOUN
fsr-3542	41	8	payable	payable	ADJ
fsr-3542	41	9	to	to	ADP
fsr-3542	41	10	the	the	DET
fsr-3542	41	11	academy	academy	NOUN
fsr-3542	41	12	of	of	ADP
fsr-3542	41	13	financial	financial	ADJ
fsr-3542	41	14	services	service	NOUN
fsr-3542	41	15	(	(	PUNCT
fsr-3542	41	16	afs	afs	NOUN
fsr-3542	41	17	)	)	PUNCT
fsr-3542	41	18	for	for	ADP
fsr-3542	41	19	all	all	DET
fsr-3542	41	20	submissions	submission	NOUN
fsr-3542	41	21	to	to	ADP
fsr-3542	41	22	fsr	fsr	PROPN
fsr-3542	41	23	.	.	PUNCT
fsr-3542	42	1	submission	submission	NOUN
fsr-3542	42	2	fees	fee	NOUN
fsr-3542	42	3	should	should	AUX
fsr-3542	42	4	be	be	AUX
fsr-3542	42	5	paid	pay	VERB
fsr-3542	42	6	online	online	ADV
fsr-3542	42	7	at	at	ADP
fsr-3542	42	8	academy	academy	PROPN
fsr-3542	42	9	financial	financial	ADJ
fsr-3542	42	10	org	org	PROPN
fsr-3542	42	11	.	.	PUNCT
fsr-3542	43	1	if	if	SCONJ
fsr-3542	43	2	none	none	NOUN
fsr-3542	43	3	of	of	ADP
fsr-3542	43	4	the	the	DET
fsr-3542	43	5	authors	author	NOUN
fsr-3542	43	6	is	be	AUX
fsr-3542	43	7	a	a	DET
fsr-3542	43	8	member	member	NOUN
fsr-3542	43	9	of	of	ADP
fsr-3542	43	10	afs	afs	NOUN
fsr-3542	43	11	,	,	PUNCT
fsr-3542	43	12	please	please	INTJ
fsr-3542	43	13	complete	complete	VERB
fsr-3542	43	14	an	an	DET
fsr-3542	43	15	online	online	ADJ
fsr-3542	43	16	membership	membership	NOUN
fsr-3542	43	17	application	application	NOUN
fsr-3542	43	18	form	form	NOUN
fsr-3542	43	19	,	,	PUNCT
fsr-3542	43	20	which	which	PRON
fsr-3542	43	21	can	can	AUX
fsr-3542	43	22	be	be	AUX
fsr-3542	43	23	downloaded	download	VERB
fsr-3542	43	24	at	at	ADP
fsr-3542	43	25	http://academyfinancial.org	http://academyfinancial.org	PROPN
fsr-3542	43	26	.	.	PUNCT
fsr-3542	44	1	when	when	SCONJ
fsr-3542	44	2	authors	author	NOUN
fsr-3542	44	3	pay	pay	VERB
fsr-3542	44	4	the	the	DET
fsr-3542	44	5	$	$	SYM
fsr-3542	44	6	100	100	NUM
fsr-3542	44	7	submission	submission	NOUN
fsr-3542	44	8	fee	fee	NOUN
fsr-3542	44	9	and	and	CCONJ
fsr-3542	44	10	are	be	AUX
fsr-3542	44	11	not	not	PART
fsr-3542	44	12	currently	currently	ADV
fsr-3542	44	13	members	member	NOUN
fsr-3542	44	14	,	,	PUNCT
fsr-3542	44	15	they	they	PRON
fsr-3542	44	16	receive	receive	VERB
fsr-3542	44	17	their	their	PRON
fsr-3542	44	18	first	first	ADJ
fsr-3542	44	19	year	year	NOUN
fsr-3542	44	20	of	of	ADP
fsr-3542	44	21	afs	afs	NOUN
fsr-3542	44	22	membership	membership	NOUN
fsr-3542	44	23	at	at	ADP
fsr-3542	44	24	no	no	DET
fsr-3542	44	25	charge	charge	NOUN
fsr-3542	44	26	.	.	PUNCT
fsr-3542	45	1	submission	submission	NOUN
fsr-3542	45	2	of	of	ADP
fsr-3542	45	3	a	a	DET
fsr-3542	45	4	paper	paper	NOUN
fsr-3542	45	5	will	will	AUX
fsr-3542	45	6	be	be	AUX
fsr-3542	45	7	held	hold	VERB
fsr-3542	45	8	to	to	PART
fsr-3542	45	9	imply	imply	VERB
fsr-3542	45	10	that	that	SCONJ
fsr-3542	45	11	it	it	PRON
fsr-3542	45	12	contains	contain	VERB
fsr-3542	45	13	original	original	ADJ
fsr-3542	45	14	unpublished	unpublished	ADJ
fsr-3542	45	15	work	work	NOUN
fsr-3542	45	16	and	and	CCONJ
fsr-3542	45	17	is	be	AUX
fsr-3542	45	18	not	not	PART
fsr-3542	45	19	being	be	AUX
fsr-3542	45	20	considered	consider	VERB
fsr-3542	45	21	for	for	ADP
fsr-3542	45	22	publication	publication	NOUN
fsr-3542	45	23	elsewhere	elsewhere	ADV
fsr-3542	45	24	.	.	PUNCT
fsr-3542	46	1	the	the	DET
fsr-3542	46	2	editor	editor	NOUN
fsr-3542	46	3	does	do	AUX
fsr-3542	46	4	not	not	PART
fsr-3542	46	5	accept	accept	VERB
fsr-3542	46	6	responsibility	responsibility	NOUN
fsr-3542	46	7	for	for	ADP
fsr-3542	46	8	damage	damage	NOUN
fsr-3542	46	9	or	or	CCONJ
fsr-3542	46	10	loss	loss	NOUN
fsr-3542	46	11	of	of	ADP
fsr-3542	46	12	papers	paper	NOUN
fsr-3542	46	13	submitted	submit	VERB
fsr-3542	46	14	.	.	PUNCT
fsr-3542	47	1	upon	upon	SCONJ
fsr-3542	47	2	acceptance	acceptance	NOUN
fsr-3542	47	3	of	of	ADP
fsr-3542	47	4	an	an	DET
fsr-3542	47	5	article	article	NOUN
fsr-3542	47	6	,	,	PUNCT
fsr-3542	47	7	author(s	author(s	NOUN
fsr-3542	47	8	)	)	PUNCT
fsr-3542	47	9	transfer	transfer	NOUN
fsr-3542	47	10	copyright	copyright	NOUN
fsr-3542	47	11	of	of	ADP
fsr-3542	47	12	the	the	DET
fsr-3542	47	13	article	article	NOUN
fsr-3542	47	14	to	to	ADP
fsr-3542	47	15	the	the	DET
fsr-3542	47	16	academy	academy	NOUN
fsr-3542	47	17	of	of	ADP
fsr-3542	47	18	financial	financial	ADJ
fsr-3542	47	19	services	service	NOUN
fsr-3542	47	20	.	.	PUNCT
fsr-3542	48	1	this	this	DET
fsr-3542	48	2	transfer	transfer	NOUN
fsr-3542	48	3	will	will	AUX
fsr-3542	48	4	ensure	ensure	VERB
fsr-3542	48	5	the	the	DET
fsr-3542	48	6	widest	wide	ADJ
fsr-3542	48	7	possible	possible	ADJ
fsr-3542	48	8	dissemination	dissemination	NOUN
fsr-3542	48	9	.	.	PUNCT
fsr-3542	49	1	(	(	PUNCT
fsr-3542	49	2	3	3	X
fsr-3542	49	3	)	)	PUNCT
fsr-3542	49	4	submission	submission	NOUN
fsr-3542	49	5	of	of	ADP
fsr-3542	49	6	papers	paper	NOUN
fsr-3542	49	7	:	:	PUNCT
fsr-3542	49	8	authors	author	NOUN
fsr-3542	49	9	should	should	AUX
fsr-3542	49	10	submit	submit	VERB
fsr-3542	49	11	their	their	PRON
fsr-3542	49	12	papers	paper	NOUN
fsr-3542	49	13	electronically	electronically	ADV
fsr-3542	49	14	as	as	ADP
fsr-3542	49	15	an	an	DET
fsr-3542	49	16	e	e	NOUN
fsr-3542	49	17	-	-	NOUN
fsr-3542	49	18	mail	mail	NOUN
fsr-3542	49	19	attachment	attachment	NOUN
fsr-3542	49	20	to	to	ADP
fsr-3542	49	21	the	the	DET
fsr-3542	49	22	editor	editor	NOUN
fsr-3542	49	23	at	at	ADP
fsr-3542	49	24	smichels@stetson.edu	smichels@stetson.edu	PROPN
fsr-3542	49	25	.	.	PUNCT
fsr-3542	50	1	please	please	INTJ
fsr-3542	50	2	send	send	VERB
fsr-3542	50	3	the	the	DET
fsr-3542	50	4	paper	paper	NOUN
fsr-3542	50	5	in	in	ADP
fsr-3542	50	6	word	word	NOUN
fsr-3542	50	7	format	format	NOUN
fsr-3542	50	8	.	.	PUNCT
fsr-3542	51	1	do	do	AUX
fsr-3542	51	2	not	not	PART
fsr-3542	51	3	sent	send	VERB
fsr-3542	51	4	pdfs	pdfs	NOUN
fsr-3542	51	5	.	.	PUNCT
fsr-3542	52	1	ensure	ensure	VERB
fsr-3542	52	2	that	that	SCONJ
fsr-3542	52	3	the	the	DET
fsr-3542	52	4	letter	letter	NOUN
fsr-3542	52	5	‘	'	PUNCT
fsr-3542	52	6	l	l	NOUN
fsr-3542	52	7	’	'	PUNCT
fsr-3542	52	8	and	and	CCONJ
fsr-3542	52	9	digit	digit	VERB
fsr-3542	52	10	‘	'	PUNCT
fsr-3542	52	11	1	1	NUM
fsr-3542	52	12	’	'	PUNCT
fsr-3542	52	13	,	,	PUNCT
fsr-3542	52	14	and	and	CCONJ
fsr-3542	52	15	also	also	ADV
fsr-3542	52	16	the	the	DET
fsr-3542	52	17	letter	letter	NOUN
fsr-3542	52	18	‘	'	PUNCT
fsr-3542	52	19	o	o	NOUN
fsr-3542	52	20	’	'	PUNCT
fsr-3542	52	21	and	and	CCONJ
fsr-3542	52	22	digit	digit	VERB
fsr-3542	52	23	‘	'	PUNCT
fsr-3542	52	24	0	0	NUM
fsr-3542	52	25	’	'	PUNCT
fsr-3542	52	26	are	be	AUX
fsr-3542	52	27	used	use	VERB
fsr-3542	52	28	properly	properly	ADV
fsr-3542	52	29	,	,	PUNCT
fsr-3542	52	30	and	and	CCONJ
fsr-3542	52	31	format	format	VERB
fsr-3542	52	32	your	your	PRON
fsr-3542	52	33	article	article	NOUN
fsr-3542	52	34	(	(	PUNCT
fsr-3542	52	35	tabs	tab	NOUN
fsr-3542	52	36	,	,	PUNCT
fsr-3542	52	37	indents	indent	NOUN
fsr-3542	52	38	,	,	PUNCT
fsr-3542	52	39	etc	etc	X
fsr-3542	52	40	.	.	X
fsr-3542	52	41	)	)	PUNCT
fsr-3542	52	42	consistently	consistently	ADV
fsr-3542	52	43	.	.	PUNCT
fsr-3542	53	1	do	do	AUX
fsr-3542	53	2	not	not	PART
fsr-3542	53	3	allow	allow	VERB
fsr-3542	53	4	your	your	PRON
fsr-3542	53	5	word	word	NOUN
fsr-3542	53	6	processor	processor	NOUN
fsr-3542	53	7	to	to	PART
fsr-3542	53	8	introduce	introduce	VERB
fsr-3542	53	9	word	word	NOUN
fsr-3542	53	10	breaks	break	NOUN
fsr-3542	53	11	and	and	CCONJ
fsr-3542	53	12	do	do	AUX
fsr-3542	53	13	not	not	PART
fsr-3542	53	14	use	use	VERB
fsr-3542	53	15	a	a	DET
fsr-3542	53	16	justified	justified	ADJ
fsr-3542	53	17	layout	layout	NOUN
fsr-3542	53	18	.	.	PUNCT
fsr-3542	54	1	please	please	INTJ
fsr-3542	54	2	adhere	adhere	VERB
fsr-3542	54	3	strictly	strictly	ADV
fsr-3542	54	4	to	to	ADP
fsr-3542	54	5	the	the	DET
fsr-3542	54	6	general	general	ADJ
fsr-3542	54	7	instructions	instruction	NOUN
fsr-3542	54	8	below	below	ADP
fsr-3542	54	9	on	on	ADP
fsr-3542	54	10	style	style	NOUN
fsr-3542	54	11	,	,	PUNCT
fsr-3542	54	12	arrangement	arrangement	NOUN
fsr-3542	54	13	and	and	CCONJ
fsr-3542	54	14	,	,	PUNCT
fsr-3542	54	15	in	in	ADP
fsr-3542	54	16	particular	particular	ADJ
fsr-3542	54	17	,	,	PUNCT
fsr-3542	54	18	the	the	DET
fsr-3542	54	19	reference	reference	NOUN
fsr-3542	54	20	style	style	NOUN
fsr-3542	54	21	of	of	ADP
fsr-3542	54	22	the	the	DET
fsr-3542	54	23	journal	journal	NOUN
fsr-3542	54	24	.	.	PUNCT
fsr-3542	55	1	(	(	PUNCT
fsr-3542	55	2	4	4	X
fsr-3542	55	3	)	)	PUNCT
fsr-3542	55	4	manuscripts	manuscript	NOUN
fsr-3542	55	5	should	should	AUX
fsr-3542	55	6	be	be	AUX
fsr-3542	55	7	double	double	ADV
fsr-3542	55	8	spaced	space	VERB
fsr-3542	55	9	,	,	PUNCT
fsr-3542	55	10	with	with	ADP
fsr-3542	55	11	one	one	NUM
fsr-3542	55	12	-	-	PUNCT
fsr-3542	55	13	inch	inch	NOUN
fsr-3542	55	14	margins	margin	NOUN
fsr-3542	55	15	,	,	PUNCT
fsr-3542	55	16	and	and	CCONJ
fsr-3542	55	17	printed	print	VERB
fsr-3542	55	18	on	on	ADP
fsr-3542	55	19	one	one	NUM
fsr-3542	55	20	side	side	NOUN
fsr-3542	55	21	of	of	ADP
fsr-3542	55	22	the	the	DET
fsr-3542	55	23	paper	paper	NOUN
fsr-3542	55	24	only	only	ADV
fsr-3542	55	25	.	.	PUNCT
fsr-3542	56	1	all	all	DET
fsr-3542	56	2	pages	page	NOUN
fsr-3542	56	3	should	should	AUX
fsr-3542	56	4	be	be	AUX
fsr-3542	56	5	numbered	number	VERB
fsr-3542	56	6	consecutively	consecutively	ADV
fsr-3542	56	7	,	,	PUNCT
fsr-3542	56	8	starting	start	VERB
fsr-3542	56	9	with	with	ADP
fsr-3542	56	10	the	the	DET
fsr-3542	56	11	title	title	NOUN
fsr-3542	56	12	page	page	NOUN
fsr-3542	56	13	.	.	PUNCT
fsr-3542	57	1	titles	title	NOUN
fsr-3542	57	2	and	and	CCONJ
fsr-3542	57	3	subtitles	subtitle	NOUN
fsr-3542	57	4	should	should	AUX
fsr-3542	57	5	be	be	AUX
fsr-3542	57	6	short	short	ADJ
fsr-3542	57	7	.	.	PUNCT
fsr-3542	58	1	references	reference	NOUN
fsr-3542	58	2	,	,	PUNCT
fsr-3542	58	3	tables	table	NOUN
fsr-3542	58	4	,	,	PUNCT
fsr-3542	58	5	and	and	CCONJ
fsr-3542	58	6	legends	legend	NOUN
fsr-3542	58	7	for	for	ADP
fsr-3542	58	8	the	the	DET
fsr-3542	58	9	figures	figure	NOUN
fsr-3542	58	10	should	should	AUX
fsr-3542	58	11	be	be	AUX
fsr-3542	58	12	printed	print	VERB
fsr-3542	58	13	on	on	ADP
fsr-3542	58	14	separate	separate	ADJ
fsr-3542	58	15	pages	page	NOUN
fsr-3542	58	16	.	.	PUNCT
fsr-3542	59	1	(	(	PUNCT
fsr-3542	59	2	5	5	X
fsr-3542	59	3	)	)	PUNCT
fsr-3542	59	4	the	the	DET
fsr-3542	59	5	first	first	ADJ
fsr-3542	59	6	page	page	NOUN
fsr-3542	59	7	of	of	ADP
fsr-3542	59	8	the	the	DET
fsr-3542	59	9	manuscript	manuscript	NOUN
fsr-3542	59	10	,	,	PUNCT
fsr-3542	59	11	the	the	DET
fsr-3542	59	12	title	title	NOUN
fsr-3542	59	13	page	page	NOUN
fsr-3542	59	14	,	,	PUNCT
fsr-3542	59	15	must	must	AUX
fsr-3542	59	16	contain	contain	VERB
fsr-3542	59	17	the	the	DET
fsr-3542	59	18	following	follow	VERB
fsr-3542	59	19	information	information	NOUN
fsr-3542	59	20	:	:	PUNCT
fsr-3542	59	21	(	(	PUNCT
fsr-3542	59	22	i	i	NOUN
fsr-3542	59	23	)	)	PUNCT
fsr-3542	59	24	the	the	DET
fsr-3542	59	25	title	title	NOUN
fsr-3542	59	26	;	;	PUNCT
fsr-3542	59	27	(	(	PUNCT
fsr-3542	59	28	ii	ii	NOUN
fsr-3542	59	29	)	)	PUNCT
fsr-3542	59	30	the	the	DET
fsr-3542	59	31	name(s	name(s	NOUN
fsr-3542	59	32	)	)	PUNCT
fsr-3542	59	33	,	,	PUNCT
fsr-3542	59	34	title	title	NOUN
fsr-3542	59	35	,	,	PUNCT
fsr-3542	59	36	institutional	institutional	ADJ
fsr-3542	59	37	affiliation(s	affiliation(s	NOUN
fsr-3542	59	38	)	)	PUNCT
fsr-3542	59	39	,	,	PUNCT
fsr-3542	59	40	address	address	NOUN
fsr-3542	59	41	,	,	PUNCT
fsr-3542	59	42	telephone	telephone	NOUN
fsr-3542	59	43	number	number	NOUN
fsr-3542	59	44	,	,	PUNCT
fsr-3542	59	45	fax	fax	NOUN
fsr-3542	59	46	number	number	NOUN
fsr-3542	59	47	and	and	CCONJ
fsr-3542	59	48	e	e	NOUN
fsr-3542	59	49	-	-	NOUN
fsr-3542	59	50	mail	mail	NOUN
fsr-3542	59	51	addresses	address	NOUN
fsr-3542	59	52	of	of	ADP
fsr-3542	59	53	all	all	DET
fsr-3542	59	54	the	the	DET
fsr-3542	59	55	author(s	author(s	NOUN
fsr-3542	59	56	)	)	PUNCT
fsr-3542	59	57	with	with	ADP
fsr-3542	59	58	a	a	DET
fsr-3542	59	59	clear	clear	ADJ
fsr-3542	59	60	indication	indication	NOUN
fsr-3542	59	61	of	of	ADP
fsr-3542	59	62	which	which	PRON
fsr-3542	59	63	is	be	AUX
fsr-3542	59	64	the	the	DET
fsr-3542	59	65	corresponding	corresponding	ADJ
fsr-3542	59	66	author	author	NOUN
fsr-3542	59	67	;	;	PUNCT
fsr-3542	59	68	(	(	PUNCT
fsr-3542	59	69	iii	iii	NOUN
fsr-3542	59	70	)	)	PUNCT
fsr-3542	59	71	at	at	ADP
fsr-3542	59	72	least	least	ADJ
fsr-3542	59	73	one	one	NUM
fsr-3542	59	74	classification	classification	NOUN
fsr-3542	59	75	code	code	NOUN
fsr-3542	59	76	according	accord	VERB
fsr-3542	59	77	to	to	ADP
fsr-3542	59	78	the	the	DET
fsr-3542	59	79	classification	classification	NOUN
fsr-3542	59	80	system	system	NOUN
fsr-3542	59	81	for	for	ADP
fsr-3542	59	82	journal	journal	ADJ
fsr-3542	59	83	articles	article	NOUN
fsr-3542	59	84	as	as	SCONJ
fsr-3542	59	85	used	use	VERB
fsr-3542	59	86	by	by	ADP
fsr-3542	59	87	the	the	DET
fsr-3542	59	88	journal	journal	NOUN
fsr-3542	59	89	of	of	ADP
fsr-3542	59	90	economic	economic	ADJ
fsr-3542	59	91	literature	literature	NOUN
fsr-3542	59	92	,	,	PUNCT
fsr-3542	59	93	which	which	PRON
fsr-3542	59	94	can	can	AUX
fsr-3542	59	95	be	be	AUX
fsr-3542	59	96	found	find	VERB
fsr-3542	59	97	at	at	ADP
fsr-3542	59	98	http://www.aeaweb.org/journal/elclasjn.html	http://www.aeaweb.org/journal/elclasjn.html	PROPN
fsr-3542	59	99	;	;	PUNCT
fsr-3542	59	100	in	in	ADP
fsr-3542	59	101	addition	addition	NOUN
fsr-3542	59	102	,	,	PUNCT
fsr-3542	59	103	up	up	ADP
fsr-3542	59	104	to	to	PART
fsr-3542	59	105	five	five	NUM
fsr-3542	59	106	key	key	ADJ
fsr-3542	59	107	words	word	NOUN
fsr-3542	59	108	should	should	AUX
fsr-3542	59	109	be	be	AUX
fsr-3542	59	110	supplied	supply	VERB
fsr-3542	59	111	.	.	PUNCT
fsr-3542	60	1	(	(	PUNCT
fsr-3542	60	2	6	6	X
fsr-3542	60	3	)	)	PUNCT
fsr-3542	60	4	information	information	NOUN
fsr-3542	60	5	on	on	ADP
fsr-3542	60	6	grants	grant	NOUN
fsr-3542	60	7	received	receive	VERB
fsr-3542	60	8	can	can	AUX
fsr-3542	60	9	be	be	AUX
fsr-3542	60	10	given	give	VERB
fsr-3542	60	11	in	in	ADP
fsr-3542	60	12	a	a	DET
fsr-3542	60	13	footnote	footnote	NOUN
fsr-3542	60	14	on	on	ADP
fsr-3542	60	15	the	the	DET
fsr-3542	60	16	title	title	NOUN
fsr-3542	60	17	page	page	NOUN
fsr-3542	60	18	.	.	PUNCT
fsr-3542	61	1	(	(	PUNCT
fsr-3542	61	2	7	7	X
fsr-3542	61	3	)	)	PUNCT
fsr-3542	61	4	the	the	DET
fsr-3542	61	5	abstract	abstract	NOUN
fsr-3542	61	6	,	,	PUNCT
fsr-3542	61	7	consisting	consist	VERB
fsr-3542	61	8	of	of	ADP
fsr-3542	61	9	no	no	DET
fsr-3542	61	10	more	more	ADJ
fsr-3542	61	11	than	than	ADP
fsr-3542	61	12	100	100	NUM
fsr-3542	61	13	words	word	NOUN
fsr-3542	61	14	,	,	PUNCT
fsr-3542	61	15	should	should	AUX
fsr-3542	61	16	appear	appear	VERB
fsr-3542	61	17	alone	alone	ADJ
fsr-3542	61	18	on	on	ADP
fsr-3542	61	19	page	page	NOUN
fsr-3542	61	20	2	2	NUM
fsr-3542	61	21	,	,	PUNCT
fsr-3542	61	22	titled	title	VERB
fsr-3542	61	23	,	,	PUNCT
fsr-3542	61	24	abstract	abstract	ADJ
fsr-3542	61	25	.	.	PUNCT
fsr-3542	62	1	(	(	PUNCT
fsr-3542	62	2	8)	8)	NUM
fsr-3542	62	3	footnotes	footnote	NOUN
fsr-3542	62	4	should	should	AUX
fsr-3542	62	5	be	be	AUX
fsr-3542	62	6	kept	keep	VERB
fsr-3542	62	7	to	to	ADP
fsr-3542	62	8	a	a	DET
fsr-3542	62	9	minimum	minimum	NOUN
fsr-3542	62	10	and	and	CCONJ
fsr-3542	62	11	should	should	AUX
fsr-3542	62	12	only	only	ADV
fsr-3542	62	13	contain	contain	VERB
fsr-3542	62	14	material	material	NOUN
fsr-3542	62	15	that	that	PRON
fsr-3542	62	16	is	be	AUX
fsr-3542	62	17	not	not	PART
fsr-3542	62	18	essential	essential	ADJ
fsr-3542	62	19	to	to	ADP
fsr-3542	62	20	the	the	DET
fsr-3542	62	21	understanding	understanding	NOUN
fsr-3542	62	22	of	of	ADP
fsr-3542	62	23	the	the	DET
fsr-3542	62	24	article	article	NOUN
fsr-3542	62	25	.	.	PUNCT
fsr-3542	63	1	as	as	ADP
fsr-3542	63	2	a	a	DET
fsr-3542	63	3	rule	rule	NOUN
fsr-3542	63	4	of	of	ADP
fsr-3542	63	5	thumb	thumb	NOUN
fsr-3542	63	6	,	,	PUNCT
fsr-3542	63	7	have	have	VERB
fsr-3542	63	8	one	one	NUM
fsr-3542	63	9	or	or	CCONJ
fsr-3542	63	10	less	less	ADJ
fsr-3542	63	11	footnote	footnote	NOUN
fsr-3542	63	12	,	,	PUNCT
fsr-3542	63	13	on	on	ADP
fsr-3542	63	14	average	average	ADJ
fsr-3542	63	15	,	,	PUNCT
fsr-3542	63	16	per	per	ADP
fsr-3542	63	17	two	two	NUM
fsr-3542	63	18	pages	page	NOUN
fsr-3542	63	19	of	of	ADP
fsr-3542	63	20	text	text	NOUN
fsr-3542	63	21	.	.	PUNCT
fsr-3542	64	1	(	(	PUNCT
fsr-3542	64	2	9	9	X
fsr-3542	64	3	)	)	PUNCT
fsr-3542	64	4	displayed	display	VERB
fsr-3542	64	5	formulae	formulae	NOUN
fsr-3542	64	6	should	should	AUX
fsr-3542	64	7	be	be	AUX
fsr-3542	64	8	numbered	number	VERB
fsr-3542	64	9	consecutively	consecutively	ADV
fsr-3542	64	10	throughout	throughout	ADP
fsr-3542	64	11	the	the	DET
fsr-3542	64	12	manuscript	manuscript	NOUN
fsr-3542	64	13	as	as	ADP
fsr-3542	64	14	(	(	PUNCT
fsr-3542	64	15	1	1	NUM
fsr-3542	64	16	)	)	PUNCT
fsr-3542	64	17	,	,	PUNCT
fsr-3542	64	18	(	(	PUNCT
fsr-3542	64	19	2	2	NUM
fsr-3542	64	20	)	)	PUNCT
fsr-3542	64	21	,	,	PUNCT
fsr-3542	64	22	etc	etc	X
fsr-3542	64	23	.	.	X
fsr-3542	64	24	against	against	ADP
fsr-3542	64	25	the	the	DET
fsr-3542	64	26	right	right	ADJ
fsr-3542	64	27	-	-	PUNCT
fsr-3542	64	28	hand	hand	NOUN
fsr-3542	64	29	margin	margin	NOUN
fsr-3542	64	30	of	of	ADP
fsr-3542	64	31	the	the	DET
fsr-3542	64	32	page	page	NOUN
fsr-3542	64	33	.	.	PUNCT
fsr-3542	65	1	in	in	ADP
fsr-3542	65	2	cases	case	NOUN
fsr-3542	65	3	where	where	SCONJ
fsr-3542	65	4	the	the	DET
fsr-3542	65	5	derivation	derivation	NOUN
fsr-3542	65	6	of	of	ADP
fsr-3542	65	7	formulae	formulae	NOUN
fsr-3542	65	8	has	have	AUX
fsr-3542	65	9	been	be	AUX
fsr-3542	65	10	abbreviated	abbreviate	VERB
fsr-3542	65	11	,	,	PUNCT
fsr-3542	65	12	it	it	PRON
fsr-3542	65	13	is	be	AUX
fsr-3542	65	14	of	of	ADP
fsr-3542	65	15	great	great	ADJ
fsr-3542	65	16	help	help	NOUN
fsr-3542	65	17	to	to	ADP
fsr-3542	65	18	the	the	DET
fsr-3542	65	19	referees	referee	NOUN
fsr-3542	65	20	if	if	SCONJ
fsr-3542	65	21	the	the	DET
fsr-3542	65	22	full	full	ADJ
fsr-3542	65	23	derivation	derivation	NOUN
fsr-3542	65	24	can	can	AUX
fsr-3542	65	25	be	be	AUX
fsr-3542	65	26	presented	present	VERB
fsr-3542	65	27	on	on	ADP
fsr-3542	65	28	a	a	DET
fsr-3542	65	29	separate	separate	ADJ
fsr-3542	65	30	sheet	sheet	NOUN
fsr-3542	65	31	(	(	PUNCT
fsr-3542	65	32	not	not	PART
fsr-3542	65	33	to	to	PART
fsr-3542	65	34	be	be	AUX
fsr-3542	65	35	published	publish	VERB
fsr-3542	65	36	)	)	PUNCT
fsr-3542	65	37	.	.	PUNCT
fsr-3542	66	1	(	(	PUNCT
fsr-3542	66	2	10	10	NUM
fsr-3542	66	3	)	)	PUNCT
fsr-3542	66	4	the	the	DET
fsr-3542	66	5	financial	financial	PROPN
fsr-3542	66	6	services	service	NOUN
fsr-3542	66	7	review	review	NOUN
fsr-3542	66	8	journal	journal	PROPN
fsr-3542	66	9	(	(	PUNCT
fsr-3542	66	10	fsr	fsr	PROPN
fsr-3542	66	11	)	)	PUNCT
fsr-3542	66	12	follows	follow	VERB
fsr-3542	66	13	the	the	DET
fsr-3542	66	14	apa	apa	PROPN
fsr-3542	66	15	publication	publication	NOUN
fsr-3542	66	16	manual	manual	NOUN
fsr-3542	66	17	,	,	PUNCT
fsr-3542	66	18	6th	6th	ADJ
fsr-3542	66	19	edition	edition	NOUN
fsr-3542	66	20	,	,	PUNCT
fsr-3542	66	21	style	style	NOUN
fsr-3542	66	22	.	.	PUNCT
fsr-3542	67	1	however	however	ADV
fsr-3542	67	2	,	,	PUNCT
fsr-3542	67	3	consistent	consistent	ADJ
fsr-3542	67	4	with	with	ADP
fsr-3542	67	5	the	the	DET
fsr-3542	67	6	current	current	ADJ
fsr-3542	67	7	trend	trend	NOUN
fsr-3542	67	8	followed	follow	VERB
fsr-3542	67	9	by	by	ADP
fsr-3542	67	10	other	other	ADJ
fsr-3542	67	11	publications	publication	NOUN
fsr-3542	67	12	in	in	ADP
fsr-3542	67	13	the	the	DET
fsr-3542	67	14	area	area	NOUN
fsr-3542	67	15	of	of	ADP
fsr-3542	67	16	finance	finance	NOUN
fsr-3542	67	17	,	,	PUNCT
fsr-3542	67	18	the	the	DET
fsr-3542	67	19	journal	journal	NOUN
fsr-3542	67	20	has	have	VERB
fsr-3542	67	21	a	a	DET
fsr-3542	67	22	very	very	ADV
fsr-3542	67	23	strong	strong	ADJ
fsr-3542	67	24	preference	preference	NOUN
fsr-3542	67	25	for	for	ADP
fsr-3542	67	26	articles	article	NOUN
fsr-3542	67	27	that	that	PRON
fsr-3542	67	28	are	be	AUX
fsr-3542	67	29	written	write	VERB
fsr-3542	67	30	in	in	ADP
fsr-3542	67	31	the	the	DET
fsr-3542	67	32	present	present	ADJ
fsr-3542	67	33	tense	tense	ADJ
fsr-3542	67	34	throughout	throughout	NOUN
fsr-3542	67	35	.	.	PUNCT
fsr-3542	68	1	references	reference	NOUN
fsr-3542	68	2	to	to	ADP
fsr-3542	68	3	publications	publication	NOUN
fsr-3542	68	4	should	should	AUX
fsr-3542	68	5	be	be	AUX
fsr-3542	68	6	as	as	SCONJ
fsr-3542	68	7	follows	follow	VERB
fsr-3542	68	8	:	:	PUNCT
fsr-3542	68	9	“	"	PUNCT
fsr-3542	68	10	smith	smith	NOUN
fsr-3542	68	11	(	(	PUNCT
fsr-3542	68	12	1992	1992	NUM
fsr-3542	68	13	)	)	PUNCT
fsr-3542	68	14	reports	report	VERB
fsr-3542	68	15	that	that	SCONJ
fsr-3542	68	16	”	"	PUNCT
fsr-3542	68	17	or	or	CCONJ
fsr-3542	68	18	“	"	PUNCT
fsr-3542	68	19	this	this	DET
fsr-3542	68	20	problem	problem	NOUN
fsr-3542	68	21	has	have	AUX
fsr-3542	68	22	been	be	AUX
fsr-3542	68	23	studied	study	VERB
fsr-3542	68	24	previously	previously	ADV
fsr-3542	68	25	(	(	PUNCT
fsr-3542	68	26	ho	ho	ADJ
fsr-3542	68	27	,	,	PUNCT
fsr-3542	68	28	milevsky	milevsky	NOUN
fsr-3542	68	29	,	,	PUNCT
fsr-3542	68	30	&	&	CCONJ
fsr-3542	68	31	robinson	robinson	PROPN
fsr-3542	68	32	,	,	PUNCT
fsr-3542	68	33	1999	1999	NUM
fsr-3542	68	34	)	)	PUNCT
fsr-3542	68	35	.	.	PUNCT
fsr-3542	68	36	”	"	PUNCT
fsr-3542	69	1	the	the	DET
fsr-3542	69	2	author	author	NOUN
fsr-3542	69	3	should	should	AUX
fsr-3542	69	4	make	make	VERB
fsr-3542	69	5	sure	sure	ADJ
fsr-3542	69	6	that	that	SCONJ
fsr-3542	69	7	there	there	PRON
fsr-3542	69	8	is	be	VERB
fsr-3542	69	9	a	a	DET
fsr-3542	69	10	strict	strict	ADJ
fsr-3542	69	11	one	one	NUM
fsr-3542	69	12	-	-	PUNCT
fsr-3542	69	13	to	to	ADP
fsr-3542	69	14	-	-	PUNCT
fsr-3542	69	15	one	one	NUM
fsr-3542	69	16	correspondence	correspondence	NOUN
fsr-3542	69	17	between	between	ADP
fsr-3542	69	18	the	the	DET
fsr-3542	69	19	names	name	NOUN
fsr-3542	69	20	and	and	CCONJ
fsr-3542	69	21	years	year	NOUN
fsr-3542	69	22	in	in	ADP
fsr-3542	69	23	the	the	DET
fsr-3542	69	24	text	text	NOUN
fsr-3542	69	25	and	and	CCONJ
fsr-3542	69	26	those	those	PRON
fsr-3542	69	27	on	on	ADP
fsr-3542	69	28	the	the	DET
fsr-3542	69	29	reference	reference	NOUN
fsr-3542	69	30	list	list	NOUN
fsr-3542	69	31	.	.	PUNCT
fsr-3542	70	1	the	the	DET
fsr-3542	70	2	list	list	NOUN
fsr-3542	70	3	of	of	ADP
fsr-3542	70	4	references	reference	NOUN
fsr-3542	70	5	should	should	AUX
fsr-3542	70	6	appear	appear	VERB
fsr-3542	70	7	at	at	ADP
fsr-3542	70	8	the	the	DET
fsr-3542	70	9	end	end	NOUN
fsr-3542	70	10	of	of	ADP
fsr-3542	70	11	the	the	DET
fsr-3542	70	12	main	main	ADJ
fsr-3542	70	13	text	text	NOUN
fsr-3542	70	14	(	(	PUNCT
fsr-3542	70	15	after	after	ADP
fsr-3542	70	16	any	any	DET
fsr-3542	70	17	appendices	appendix	NOUN
fsr-3542	70	18	,	,	PUNCT
fsr-3542	70	19	but	but	CCONJ
fsr-3542	70	20	before	before	ADP
fsr-3542	70	21	tables	table	NOUN
fsr-3542	70	22	and	and	CCONJ
fsr-3542	70	23	legends	legend	NOUN
fsr-3542	70	24	for	for	ADP
fsr-3542	70	25	figures	figure	NOUN
fsr-3542	70	26	)	)	PUNCT
fsr-3542	70	27	.	.	PUNCT
fsr-3542	71	1	it	it	PRON
fsr-3542	71	2	should	should	AUX
fsr-3542	71	3	be	be	AUX
fsr-3542	71	4	double	double	ADV
fsr-3542	71	5	spaced	space	VERB
fsr-3542	71	6	and	and	CCONJ
fsr-3542	71	7	listed	list	VERB
fsr-3542	71	8	in	in	ADP
fsr-3542	71	9	alphabetical	alphabetical	ADJ
fsr-3542	71	10	order	order	NOUN
fsr-3542	71	11	by	by	ADP
fsr-3542	71	12	author	author	NOUN
fsr-3542	71	13	’s	’s	PART
fsr-3542	71	14	name	name	NOUN
fsr-3542	71	15	.	.	PUNCT
fsr-3542	72	1	references	reference	NOUN
fsr-3542	72	2	should	should	AUX
fsr-3542	72	3	appear	appear	VERB
fsr-3542	72	4	as	as	SCONJ
fsr-3542	72	5	follows	follow	VERB
fsr-3542	72	6	:	:	PUNCT
fsr-3542	72	7	books	book	NOUN
fsr-3542	72	8	:	:	PUNCT
fsr-3542	72	9	hawawini	hawawini	X
fsr-3542	72	10	,	,	PUNCT
fsr-3542	72	11	g.	g.	PROPN
fsr-3542	72	12	&	&	CCONJ
fsr-3542	72	13	swary	swary	PROPN
fsr-3542	72	14	,	,	PUNCT
fsr-3542	72	15	i.	i.	NOUN
fsr-3542	72	16	(	(	PUNCT
fsr-3542	72	17	1990	1990	NUM
fsr-3542	72	18	)	)	PUNCT
fsr-3542	72	19	.	.	PUNCT
fsr-3542	73	1	mergers	merger	NOUN
fsr-3542	73	2	and	and	CCONJ
fsr-3542	73	3	acquisitions	acquisition	NOUN
fsr-3542	73	4	in	in	ADP
fsr-3542	73	5	the	the	DET
fsr-3542	73	6	u.s	u.s	PROPN
fsr-3542	73	7	.	.	PROPN
fsr-3542	73	8	banking	banking	NOUN
fsr-3542	73	9	industry	industry	NOUN
fsr-3542	73	10	:	:	PUNCT
fsr-3542	73	11	evidence	evidence	NOUN
fsr-3542	73	12	from	from	ADP
fsr-3542	73	13	the	the	DET
fsr-3542	73	14	capital	capital	NOUN
fsr-3542	73	15	markets	market	NOUN
fsr-3542	73	16	.	.	PUNCT
fsr-3542	74	1	amsterdam	amsterdam	PROPN
fsr-3542	74	2	:	:	PUNCT
fsr-3542	74	3	north	north	PROPN
fsr-3542	74	4	holland	holland	PROPN
fsr-3542	74	5	.	.	PUNCT
fsr-3542	75	1	chapter	chapter	NOUN
fsr-3542	75	2	in	in	ADP
fsr-3542	75	3	a	a	DET
fsr-3542	75	4	book	book	NOUN
fsr-3542	75	5	:	:	PUNCT
fsr-3542	75	6	brunner	brunner	PROPN
fsr-3542	75	7	,	,	PUNCT
fsr-3542	75	8	k.	k.	PROPN
fsr-3542	75	9	&	&	CCONJ
fsr-3542	75	10	meltzer	meltzer	PROPN
fsr-3542	75	11	,	,	PUNCT
fsr-3542	75	12	a.	a.	PROPN
fsr-3542	75	13	h.	h.	PROPN
fsr-3542	75	14	(	(	PUNCT
fsr-3542	75	15	1990	1990	NUM
fsr-3542	75	16	)	)	PUNCT
fsr-3542	75	17	.	.	PUNCT
fsr-3542	76	1	money	money	NOUN
fsr-3542	76	2	supply	supply	NOUN
fsr-3542	76	3	.	.	PUNCT
fsr-3542	77	1	in	in	ADP
fsr-3542	77	2	:	:	PUNCT
fsr-3542	77	3	b.	b.	PROPN
fsr-3542	77	4	m.	m.	PROPN
fsr-3542	77	5	friedman	friedman	PROPN
fsr-3542	77	6	&	&	CCONJ
fsr-3542	77	7	f.	f.	PROPN
fsr-3542	77	8	h.	h.	PROPN
fsr-3542	77	9	hahn	hahn	PROPN
fsr-3542	77	10	(	(	PUNCT
fsr-3542	77	11	eds	eds	PROPN
fsr-3542	77	12	.	.	PUNCT
fsr-3542	77	13	)	)	PUNCT
fsr-3542	77	14	,	,	PUNCT
fsr-3542	77	15	handbook	handbook	NOUN
fsr-3542	77	16	of	of	ADP
fsr-3542	77	17	monetary	monetary	ADJ
fsr-3542	77	18	economics	economic	NOUN
fsr-3542	77	19	(	(	PUNCT
fsr-3542	77	20	vol	vol	NOUN
fsr-3542	77	21	.	.	PROPN
fsr-3542	77	22	1	1	NUM
fsr-3542	77	23	,	,	PUNCT
fsr-3542	77	24	pp	pp	ADJ
fsr-3542	77	25	.	.	PUNCT
fsr-3542	77	26	357	357	NUM
fsr-3542	77	27	-	-	SYM
fsr-3542	77	28	396	396	NUM
fsr-3542	77	29	)	)	PUNCT
fsr-3542	77	30	.	.	PUNCT
fsr-3542	78	1	amsterdam	amsterdam	PROPN
fsr-3542	78	2	:	:	PUNCT
fsr-3542	78	3	north	north	PROPN
fsr-3542	78	4	holland	holland	PROPN
fsr-3542	78	5	.	.	PUNCT
fsr-3542	79	1	periodicals	periodical	NOUN
fsr-3542	79	2	:	:	PUNCT
fsr-3542	79	3	ang	ang	PROPN
fsr-3542	79	4	,	,	PUNCT
fsr-3542	79	5	j.	j.	PROPN
fsr-3542	79	6	s.	s.	PROPN
fsr-3542	79	7	&	&	CCONJ
fsr-3542	79	8	fatemi	fatemi	PROPN
fsr-3542	79	9	,	,	PUNCT
fsr-3542	79	10	a.	a.	NOUN
fsr-3542	79	11	m.	m.	NOUN
fsr-3542	79	12	(	(	PUNCT
fsr-3542	79	13	1997	1997	NUM
fsr-3542	79	14	)	)	PUNCT
fsr-3542	79	15	.	.	PUNCT
fsr-3542	80	1	personal	personal	ADJ
fsr-3542	80	2	bankruptcy	bankruptcy	NOUN
fsr-3542	80	3	costs	cost	NOUN
fsr-3542	80	4	:	:	PUNCT
fsr-3542	80	5	their	their	PRON
fsr-3542	80	6	relevance	relevance	NOUN
fsr-3542	80	7	and	and	CCONJ
fsr-3542	80	8	some	some	DET
fsr-3542	80	9	estimates	estimate	NOUN
fsr-3542	80	10	.	.	PUNCT
fsr-3542	81	1	financial	financial	ADJ
fsr-3542	81	2	services	service	NOUN
fsr-3542	81	3	review	review	PROPN
fsr-3542	81	4	,	,	PUNCT
fsr-3542	81	5	6	6	NUM
fsr-3542	81	6	,	,	PUNCT
fsr-3542	81	7	77	77	NUM
fsr-3542	81	8	-	-	SYM
fsr-3542	81	9	96	96	NUM
fsr-3542	81	10	.	.	PUNCT
fsr-3542	82	1	note	note	VERB
fsr-3542	82	2	that	that	SCONJ
fsr-3542	82	3	journal	journal	PROPN
fsr-3542	82	4	titles	title	NOUN
fsr-3542	82	5	should	should	AUX
fsr-3542	82	6	not	not	PART
fsr-3542	82	7	be	be	AUX
fsr-3542	82	8	abbreviated	abbreviate	VERB
fsr-3542	82	9	.	.	PUNCT
fsr-3542	83	1	(	(	PUNCT
fsr-3542	83	2	11	11	NUM
fsr-3542	83	3	)	)	PUNCT
fsr-3542	83	4	illustrations	illustration	NOUN
fsr-3542	83	5	will	will	AUX
fsr-3542	83	6	be	be	AUX
fsr-3542	83	7	reproduced	reproduce	VERB
fsr-3542	83	8	photographically	photographically	ADV
fsr-3542	83	9	from	from	ADP
fsr-3542	83	10	originals	original	NOUN
fsr-3542	83	11	supplied	supply	VERB
fsr-3542	83	12	by	by	ADP
fsr-3542	83	13	the	the	DET
fsr-3542	83	14	author	author	NOUN
fsr-3542	83	15	;	;	PUNCT
fsr-3542	83	16	they	they	PRON
fsr-3542	83	17	will	will	AUX
fsr-3542	83	18	not	not	PART
fsr-3542	83	19	be	be	AUX
fsr-3542	83	20	redrawn	redrawn	VERB
fsr-3542	83	21	by	by	ADP
fsr-3542	83	22	the	the	DET
fsr-3542	83	23	publisher	publisher	NOUN
fsr-3542	83	24	.	.	PUNCT
fsr-3542	84	1	please	please	INTJ
fsr-3542	84	2	provide	provide	VERB
fsr-3542	84	3	all	all	DET
fsr-3542	84	4	illustrations	illustration	NOUN
fsr-3542	84	5	in	in	ADP
fsr-3542	84	6	quadruplicate	quadruplicate	NOUN
fsr-3542	84	7	(	(	PUNCT
fsr-3542	84	8	one	one	NUM
fsr-3542	84	9	high	high	ADJ
fsr-3542	84	10	-	-	PUNCT
fsr-3542	84	11	contrast	contrast	NOUN
fsr-3542	84	12	original	original	ADJ
fsr-3542	84	13	and	and	CCONJ
fsr-3542	84	14	three	three	NUM
fsr-3542	84	15	photocopies	photocopy	NOUN
fsr-3542	84	16	)	)	PUNCT
fsr-3542	84	17	.	.	PUNCT
fsr-3542	85	1	care	care	NOUN
fsr-3542	85	2	should	should	AUX
fsr-3542	85	3	be	be	AUX
fsr-3542	85	4	taken	take	VERB
fsr-3542	85	5	that	that	DET
fsr-3542	85	6	lettering	lettering	NOUN
fsr-3542	85	7	and	and	CCONJ
fsr-3542	85	8	symbols	symbol	NOUN
fsr-3542	85	9	are	be	AUX
fsr-3542	85	10	of	of	ADP
fsr-3542	85	11	a	a	DET
fsr-3542	85	12	comparable	comparable	ADJ
fsr-3542	85	13	size	size	NOUN
fsr-3542	85	14	.	.	PUNCT
fsr-3542	86	1	the	the	DET
fsr-3542	86	2	illustrations	illustration	NOUN
fsr-3542	86	3	should	should	AUX
fsr-3542	86	4	not	not	PART
fsr-3542	86	5	be	be	AUX
fsr-3542	86	6	inserted	insert	VERB
fsr-3542	86	7	in	in	ADP
fsr-3542	86	8	the	the	DET
fsr-3542	86	9	text	text	NOUN
fsr-3542	86	10	,	,	PUNCT
fsr-3542	86	11	and	and	CCONJ
fsr-3542	86	12	should	should	AUX
fsr-3542	86	13	be	be	AUX
fsr-3542	86	14	marked	mark	VERB
fsr-3542	86	15	on	on	ADP
fsr-3542	86	16	the	the	DET
fsr-3542	86	17	back	back	NOUN
fsr-3542	86	18	with	with	ADP
fsr-3542	86	19	figure	figure	NOUN
fsr-3542	86	20	number	number	NOUN
fsr-3542	86	21	,	,	PUNCT
fsr-3542	86	22	title	title	NOUN
fsr-3542	86	23	of	of	ADP
fsr-3542	86	24	paper	paper	NOUN
fsr-3542	86	25	,	,	PUNCT
fsr-3542	86	26	and	and	CCONJ
fsr-3542	86	27	author	author	NOUN
fsr-3542	86	28	’s	’s	PART
fsr-3542	86	29	name	name	NOUN
fsr-3542	86	30	.	.	PUNCT
fsr-3542	87	1	all	all	DET
fsr-3542	87	2	graphs	graph	NOUN
fsr-3542	87	3	and	and	CCONJ
fsr-3542	87	4	diagrams	diagram	NOUN
fsr-3542	87	5	should	should	AUX
fsr-3542	87	6	be	be	AUX
fsr-3542	87	7	referred	refer	VERB
fsr-3542	87	8	to	to	ADP
fsr-3542	87	9	as	as	ADP
fsr-3542	87	10	figures	figure	NOUN
fsr-3542	87	11	,	,	PUNCT
fsr-3542	87	12	and	and	CCONJ
fsr-3542	87	13	should	should	AUX
fsr-3542	87	14	be	be	AUX
fsr-3542	87	15	numbered	number	VERB
fsr-3542	87	16	consecutively	consecutively	ADV
fsr-3542	87	17	in	in	ADP
fsr-3542	87	18	the	the	DET
fsr-3542	87	19	text	text	NOUN
fsr-3542	87	20	in	in	ADP
fsr-3542	87	21	arabic	arabic	ADJ
fsr-3542	87	22	numerals	numeral	NOUN
fsr-3542	87	23	.	.	PUNCT
fsr-3542	88	1	illustration	illustration	NOUN
fsr-3542	88	2	for	for	ADP
fsr-3542	88	3	papers	paper	NOUN
fsr-3542	88	4	submitted	submit	VERB
fsr-3542	88	5	as	as	ADP
fsr-3542	88	6	electronic	electronic	ADJ
fsr-3542	88	7	manuscripts	manuscript	NOUN
fsr-3542	88	8	should	should	AUX
fsr-3542	88	9	be	be	AUX
fsr-3542	88	10	in	in	ADP
fsr-3542	88	11	traditional	traditional	ADJ
fsr-3542	88	12	form	form	NOUN
fsr-3542	88	13	.	.	PUNCT
fsr-3542	89	1	the	the	DET
fsr-3542	89	2	journal	journal	NOUN
fsr-3542	89	3	is	be	AUX
fsr-3542	89	4	not	not	PART
fsr-3542	89	5	printed	print	VERB
fsr-3542	89	6	in	in	ADP
fsr-3542	89	7	color	color	NOUN
fsr-3542	89	8	,	,	PUNCT
fsr-3542	89	9	so	so	ADV
fsr-3542	89	10	all	all	DET
fsr-3542	89	11	graphs	graph	NOUN
fsr-3542	89	12	and	and	CCONJ
fsr-3542	89	13	illustrations	illustration	NOUN
fsr-3542	89	14	should	should	AUX
fsr-3542	89	15	be	be	AUX
fsr-3542	89	16	in	in	ADP
fsr-3542	89	17	black	black	ADJ
fsr-3542	89	18	and	and	CCONJ
fsr-3542	89	19	white	white	ADJ
fsr-3542	89	20	.	.	PUNCT
fsr-3542	90	1	(	(	PUNCT
fsr-3542	90	2	12	12	NUM
fsr-3542	90	3	)	)	PUNCT
fsr-3542	90	4	tables	table	NOUN
fsr-3542	90	5	should	should	AUX
fsr-3542	90	6	be	be	AUX
fsr-3542	90	7	numbered	number	VERB
fsr-3542	90	8	consecutively	consecutively	ADV
fsr-3542	90	9	in	in	ADP
fsr-3542	90	10	the	the	DET
fsr-3542	90	11	text	text	NOUN
fsr-3542	90	12	in	in	ADP
fsr-3542	90	13	arabic	arabic	ADJ
fsr-3542	90	14	numerals	numeral	NOUN
fsr-3542	90	15	and	and	CCONJ
fsr-3542	90	16	printed	print	VERB
fsr-3542	90	17	on	on	ADP
fsr-3542	90	18	separate	separate	ADJ
fsr-3542	90	19	sheets	sheet	NOUN
fsr-3542	90	20	.	.	PUNCT
fsr-3542	91	1	any	any	DET
fsr-3542	91	2	manuscript	manuscript	NOUN
fsr-3542	91	3	which	which	PRON
fsr-3542	91	4	does	do	AUX
fsr-3542	91	5	not	not	PART
fsr-3542	91	6	conform	conform	VERB
fsr-3542	91	7	to	to	ADP
fsr-3542	91	8	the	the	DET
fsr-3542	91	9	above	above	ADJ
fsr-3542	91	10	instructions	instruction	NOUN
fsr-3542	91	11	will	will	AUX
fsr-3542	91	12	be	be	AUX
fsr-3542	91	13	returned	return	VERB
fsr-3542	91	14	for	for	ADP
fsr-3542	91	15	the	the	DET
fsr-3542	91	16	necessary	necessary	ADJ
fsr-3542	91	17	revision	revision	NOUN
fsr-3542	91	18	before	before	ADP
fsr-3542	91	19	publication	publication	NOUN
fsr-3542	91	20	.	.	PUNCT
fsr-3542	92	1	page	page	NOUN
fsr-3542	92	2	proofs	proof	NOUN
fsr-3542	92	3	will	will	AUX
fsr-3542	92	4	be	be	AUX
fsr-3542	92	5	sent	send	VERB
fsr-3542	92	6	to	to	ADP
fsr-3542	92	7	the	the	DET
fsr-3542	92	8	corresponding	corresponding	ADJ
fsr-3542	92	9	author	author	NOUN
fsr-3542	92	10	.	.	PUNCT
fsr-3542	93	1	proofs	proof	NOUN
fsr-3542	93	2	should	should	AUX
fsr-3542	93	3	be	be	AUX
fsr-3542	93	4	corrected	correct	VERB
fsr-3542	93	5	carefully	carefully	ADV
fsr-3542	93	6	;	;	PUNCT
fsr-3542	93	7	the	the	DET
fsr-3542	93	8	responsibility	responsibility	NOUN
fsr-3542	93	9	for	for	ADP
fsr-3542	93	10	detecting	detect	VERB
fsr-3542	93	11	errors	error	NOUN
fsr-3542	93	12	lies	lie	VERB
fsr-3542	93	13	with	with	ADP
fsr-3542	93	14	the	the	DET
fsr-3542	93	15	author	author	NOUN
fsr-3542	93	16	.	.	PUNCT
fsr-3542	94	1	corrections	correction	NOUN
fsr-3542	94	2	should	should	AUX
fsr-3542	94	3	be	be	AUX
fsr-3542	94	4	restricted	restrict	VERB
fsr-3542	94	5	to	to	ADP
fsr-3542	94	6	instances	instance	NOUN
fsr-3542	94	7	in	in	ADP
fsr-3542	94	8	which	which	PRON
fsr-3542	94	9	the	the	DET
fsr-3542	94	10	proof	proof	NOUN
fsr-3542	94	11	is	be	AUX
fsr-3542	94	12	at	at	ADP
fsr-3542	94	13	variance	variance	NOUN
fsr-3542	94	14	with	with	ADP
fsr-3542	94	15	the	the	DET
fsr-3542	94	16	manuscript	manuscript	NOUN
fsr-3542	94	17	.	.	PUNCT
fsr-3542	95	1	extensive	extensive	ADJ
fsr-3542	95	2	alterations	alteration	NOUN
fsr-3542	95	3	will	will	AUX
fsr-3542	95	4	be	be	AUX
fsr-3542	95	5	charged	charge	VERB
fsr-3542	95	6	.	.	PUNCT
fsr-3542	96	1	reprints	reprint	NOUN
fsr-3542	96	2	of	of	ADP
fsr-3542	96	3	your	your	PRON
fsr-3542	96	4	article	article	NOUN
fsr-3542	96	5	are	be	AUX
fsr-3542	96	6	available	available	ADJ
fsr-3542	96	7	at	at	ADP
fsr-3542	96	8	cost	cost	NOUN
fsr-3542	96	9	if	if	SCONJ
fsr-3542	96	10	they	they	PRON
fsr-3542	96	11	are	be	AUX
fsr-3542	96	12	ordered	order	VERB
fsr-3542	96	13	when	when	SCONJ
fsr-3542	96	14	the	the	DET
fsr-3542	96	15	proof	proof	NOUN
fsr-3542	96	16	is	be	AUX
fsr-3542	96	17	returned	return	VERB
fsr-3542	96	18	.	.	PUNCT
fsr-3542	97	1	financial	financial	ADJ
fsr-3542	97	2	services	service	NOUN
fsr-3542	97	3	review	review	NOUN
fsr-3542	97	4	(	(	PUNCT
fsr-3542	97	5	issn	issn	PROPN
fsr-3542	97	6	:	:	PUNCT
fsr-3542	97	7	1057	1057	NUM
fsr-3542	97	8	-	-	SYM
fsr-3542	97	9	0810	0810	NUM
fsr-3542	97	10	)	)	PUNCT
fsr-3542	97	11	academy	academy	NOUN
fsr-3542	97	12	of	of	ADP
fsr-3542	97	13	financial	financial	PROPN
fsr-3542	97	14	services	services	PROPN
fsr-3542	97	15	terrance	terrance	PROPN
fsr-3542	97	16	k.	k.	PROPN
fsr-3542	97	17	martin	martin	PROPN
fsr-3542	97	18	college	college	PROPN
fsr-3542	97	19	of	of	ADP
fsr-3542	97	20	arts	art	NOUN
fsr-3542	97	21	,	,	PUNCT
fsr-3542	97	22	sciences	science	NOUN
fsr-3542	97	23	,	,	PUNCT
fsr-3542	97	24	business	business	NOUN
fsr-3542	97	25	,	,	PUNCT
fsr-3542	97	26	and	and	CCONJ
fsr-3542	97	27	education	education	PROPN
fsr-3542	97	28	winston	winston	PROPN
fsr-3542	97	29	-	-	PUNCT
fsr-3542	97	30	salem	salem	PROPN
fsr-3542	97	31	state	state	PROPN
fsr-3542	97	32	university	university	PROPN
fsr-3542	97	33	reynolds	reynold	NOUN
fsr-3542	97	34	center	center	PROPN
fsr-3542	97	35	,	,	PUNCT
fsr-3542	97	36	rm	rm	PROPN
fsr-3542	97	37	111	111	NUM
fsr-3542	97	38	601	601	NUM
fsr-3542	97	39	s.	s.	PROPN
fsr-3542	97	40	martin	martin	PROPN
fsr-3542	97	41	luther	luther	PROPN
fsr-3542	97	42	king	king	PROPN
fsr-3542	97	43	jr	jr	PROPN
fsr-3542	97	44	.	.	PROPN
fsr-3542	97	45	drive	drive	PROPN
fsr-3542	97	46	winston	winston	PROPN
fsr-3542	97	47	-	-	PUNCT
fsr-3542	97	48	salem	salem	PROPN
fsr-3542	97	49	,	,	PUNCT
fsr-3542	97	50	nc	nc	PROPN
fsr-3542	97	51	27110	27110	NUM
fsr-3542	97	52	(	(	PUNCT
fsr-3542	97	53	address	address	NOUN
fsr-3542	97	54	service	service	NOUN
fsr-3542	97	55	requested	request	VERB
fsr-3542	97	56	)	)	PUNCT