id	sid	tid	token	lemma	pos
fsr-3615	1	1	financial	financial	PROPN
fsr-3615	1	2	services	service	NOUN
fsr-3615	1	3	review	review	PROPN
fsr-3615	1	4	,	,	PUNCT
fsr-3615	1	5	33(1	33(1	NUM
fsr-3615	1	6	)	)	PUNCT
fsr-3615	1	7	1	1	NUM
fsr-3615	2	1	the	the	DET
fsr-3615	2	2	impact	impact	NOUN
fsr-3615	2	3	of	of	ADP
fsr-3615	2	4	the	the	DET
fsr-3615	2	5	covid-19	covid-19	PROPN
fsr-3615	2	6	income	income	NOUN
fsr-3615	2	7	shock	shock	NOUN
fsr-3615	2	8	on	on	ADP
fsr-3615	2	9	debt	debt	NOUN
fsr-3615	2	10	management	management	NOUN
fsr-3615	2	11	:	:	PUNCT
fsr-3615	2	12	a	a	DET
fsr-3615	2	13	mediation	mediation	NOUN
fsr-3615	2	14	analysis	analysis	NOUN
fsr-3615	2	15	congrong	congrong	VERB
fsr-3615	2	16	ouyang,1	ouyang,1	ADJ
fsr-3615	2	17	thomas	thomas	PROPN
fsr-3615	2	18	crandall,2	crandall,2	PROPN
fsr-3615	2	19	and	and	CCONJ
fsr-3615	2	20	swarn	swarn	PROPN
fsr-3615	2	21	chatterjee3	chatterjee3	NOUN
fsr-3615	2	22	abstract	abstract	NOUN
fsr-3615	2	23	this	this	DET
fsr-3615	2	24	study	study	NOUN
fsr-3615	2	25	uses	use	VERB
fsr-3615	2	26	the	the	DET
fsr-3615	2	27	2021	2021	NUM
fsr-3615	2	28	wave	wave	NOUN
fsr-3615	2	29	of	of	ADP
fsr-3615	2	30	the	the	DET
fsr-3615	2	31	finra	finra	PROPN
fsr-3615	2	32	national	national	PROPN
fsr-3615	2	33	financial	financial	ADJ
fsr-3615	2	34	capability	capability	NOUN
fsr-3615	2	35	study	study	NOUN
fsr-3615	2	36	dataset	dataset	VERB
fsr-3615	2	37	to	to	PART
fsr-3615	2	38	examine	examine	VERB
fsr-3615	2	39	the	the	DET
fsr-3615	2	40	association	association	NOUN
fsr-3615	2	41	between	between	ADP
fsr-3615	2	42	large	large	ADJ
fsr-3615	2	43	and	and	CCONJ
fsr-3615	2	44	unexpected	unexpected	ADJ
fsr-3615	2	45	income	income	NOUN
fsr-3615	2	46	drops	drop	NOUN
fsr-3615	2	47	experienced	experience	VERB
fsr-3615	2	48	by	by	ADP
fsr-3615	2	49	individuals	individual	NOUN
fsr-3615	2	50	during	during	ADP
fsr-3615	2	51	the	the	DET
fsr-3615	2	52	covid-19	covid-19	PROPN
fsr-3615	2	53	pandemic	pandemic	NOUN
fsr-3615	2	54	and	and	CCONJ
fsr-3615	2	55	an	an	DET
fsr-3615	2	56	individual	individual	NOUN
fsr-3615	2	57	’s	’s	PART
fsr-3615	2	58	use	use	NOUN
fsr-3615	2	59	of	of	ADP
fsr-3615	2	60	stimulus	stimulus	ADJ
fsr-3615	2	61	checks	check	NOUN
fsr-3615	2	62	to	to	PART
fsr-3615	2	63	settle	settle	VERB
fsr-3615	2	64	debt	debt	NOUN
fsr-3615	2	65	obligations	obligation	NOUN
fsr-3615	2	66	.	.	PUNCT
fsr-3615	3	1	this	this	DET
fsr-3615	3	2	study	study	NOUN
fsr-3615	3	3	also	also	ADV
fsr-3615	3	4	examines	examine	VERB
fsr-3615	3	5	the	the	DET
fsr-3615	3	6	mediating	mediate	VERB
fsr-3615	3	7	role	role	NOUN
fsr-3615	3	8	of	of	ADP
fsr-3615	3	9	individuals	individual	NOUN
fsr-3615	3	10	’	'	PUNCT
fsr-3615	3	11	perceived	perceive	VERB
fsr-3615	3	12	lack	lack	NOUN
fsr-3615	3	13	of	of	ADP
fsr-3615	3	14	financial	financial	ADJ
fsr-3615	3	15	control	control	NOUN
fsr-3615	3	16	in	in	ADP
fsr-3615	3	17	the	the	DET
fsr-3615	3	18	association	association	NOUN
fsr-3615	3	19	between	between	ADP
fsr-3615	3	20	the	the	DET
fsr-3615	3	21	large	large	ADJ
fsr-3615	3	22	drop	drop	NOUN
fsr-3615	3	23	in	in	ADP
fsr-3615	3	24	income	income	NOUN
fsr-3615	3	25	and	and	CCONJ
fsr-3615	3	26	the	the	DET
fsr-3615	3	27	use	use	NOUN
fsr-3615	3	28	of	of	ADP
fsr-3615	3	29	stimulus	stimulus	ADJ
fsr-3615	3	30	checks	check	NOUN
fsr-3615	3	31	for	for	ADP
fsr-3615	3	32	debt	debt	NOUN
fsr-3615	3	33	payments	payment	NOUN
fsr-3615	3	34	.	.	PUNCT
fsr-3615	4	1	the	the	DET
fsr-3615	4	2	results	result	NOUN
fsr-3615	4	3	reveal	reveal	VERB
fsr-3615	4	4	that	that	SCONJ
fsr-3615	4	5	over	over	ADP
fsr-3615	4	6	one	one	NUM
fsr-3615	4	7	-	-	PUNCT
fsr-3615	4	8	third	third	NOUN
fsr-3615	4	9	of	of	ADP
fsr-3615	4	10	households	household	NOUN
fsr-3615	4	11	allocated	allocate	VERB
fsr-3615	4	12	their	their	PRON
fsr-3615	4	13	stimulus	stimulus	ADJ
fsr-3615	4	14	checks	check	NOUN
fsr-3615	4	15	towards	towards	ADP
fsr-3615	4	16	debt	debt	NOUN
fsr-3615	4	17	payments	payment	NOUN
fsr-3615	4	18	.	.	PUNCT
fsr-3615	5	1	notably	notably	ADV
fsr-3615	5	2	,	,	PUNCT
fsr-3615	5	3	individuals	individual	NOUN
fsr-3615	5	4	experiencing	experience	VERB
fsr-3615	5	5	a	a	DET
fsr-3615	5	6	large	large	ADJ
fsr-3615	5	7	and	and	CCONJ
fsr-3615	5	8	unexpected	unexpected	ADJ
fsr-3615	5	9	drop	drop	NOUN
fsr-3615	5	10	in	in	ADP
fsr-3615	5	11	income	income	NOUN
fsr-3615	5	12	had	have	VERB
fsr-3615	5	13	5.5	5.5	NUM
fsr-3615	5	14	%	%	NOUN
fsr-3615	5	15	higher	high	ADJ
fsr-3615	5	16	odds	odd	NOUN
fsr-3615	5	17	of	of	ADP
fsr-3615	5	18	using	use	VERB
fsr-3615	5	19	pandemic	pandemic	ADJ
fsr-3615	5	20	stimulus	stimulus	ADJ
fsr-3615	5	21	checks	check	NOUN
fsr-3615	5	22	for	for	ADP
fsr-3615	5	23	debt	debt	NOUN
fsr-3615	5	24	management	management	NOUN
fsr-3615	5	25	.	.	PUNCT
fsr-3615	6	1	moreover	moreover	ADV
fsr-3615	6	2	,	,	PUNCT
fsr-3615	6	3	this	this	DET
fsr-3615	6	4	relationship	relationship	NOUN
fsr-3615	6	5	was	be	AUX
fsr-3615	6	6	significantly	significantly	ADV
fsr-3615	6	7	mediated	mediate	VERB
fsr-3615	6	8	by	by	ADP
fsr-3615	6	9	an	an	DET
fsr-3615	6	10	individual	individual	NOUN
fsr-3615	6	11	’s	’s	PART
fsr-3615	6	12	perceived	perceive	VERB
fsr-3615	6	13	lack	lack	NOUN
fsr-3615	6	14	of	of	ADP
fsr-3615	6	15	financial	financial	ADJ
fsr-3615	6	16	control	control	NOUN
fsr-3615	6	17	.	.	PUNCT
fsr-3615	7	1	the	the	DET
fsr-3615	7	2	findings	finding	NOUN
fsr-3615	7	3	from	from	ADP
fsr-3615	7	4	this	this	DET
fsr-3615	7	5	study	study	NOUN
fsr-3615	7	6	shed	shed	VERB
fsr-3615	7	7	light	light	NOUN
fsr-3615	7	8	on	on	ADP
fsr-3615	7	9	the	the	DET
fsr-3615	7	10	complex	complex	ADJ
fsr-3615	7	11	associations	association	NOUN
fsr-3615	7	12	between	between	ADP
fsr-3615	7	13	experiencing	experience	VERB
fsr-3615	7	14	an	an	DET
fsr-3615	7	15	unexpected	unexpected	ADJ
fsr-3615	7	16	and	and	CCONJ
fsr-3615	7	17	large	large	ADJ
fsr-3615	7	18	income	income	NOUN
fsr-3615	7	19	reduction	reduction	NOUN
fsr-3615	7	20	,	,	PUNCT
fsr-3615	7	21	perception	perception	NOUN
fsr-3615	7	22	of	of	ADP
fsr-3615	7	23	financial	financial	ADJ
fsr-3615	7	24	control	control	NOUN
fsr-3615	7	25	,	,	PUNCT
fsr-3615	7	26	and	and	CCONJ
fsr-3615	7	27	debt	debt	NOUN
fsr-3615	7	28	management	management	NOUN
fsr-3615	7	29	decisions	decision	NOUN
fsr-3615	7	30	of	of	ADP
fsr-3615	7	31	individuals	individual	NOUN
fsr-3615	7	32	.	.	PUNCT
fsr-3615	8	1	the	the	DET
fsr-3615	8	2	significant	significant	ADJ
fsr-3615	8	3	role	role	NOUN
fsr-3615	8	4	of	of	ADP
fsr-3615	8	5	perceived	perceive	VERB
fsr-3615	8	6	financial	financial	ADJ
fsr-3615	8	7	control	control	NOUN
fsr-3615	8	8	in	in	ADP
fsr-3615	8	9	describing	describe	VERB
fsr-3615	8	10	individuals	individual	NOUN
fsr-3615	8	11	’	’	PART
fsr-3615	8	12	debt	debt	NOUN
fsr-3615	8	13	management	management	NOUN
fsr-3615	8	14	decisions	decision	NOUN
fsr-3615	8	15	found	find	VERB
fsr-3615	8	16	in	in	ADP
fsr-3615	8	17	this	this	DET
fsr-3615	8	18	study	study	NOUN
fsr-3615	8	19	suggests	suggest	VERB
fsr-3615	8	20	that	that	SCONJ
fsr-3615	8	21	perceived	perceive	VERB
fsr-3615	8	22	control	control	NOUN
fsr-3615	8	23	is	be	AUX
fsr-3615	8	24	not	not	PART
fsr-3615	8	25	just	just	ADV
fsr-3615	8	26	a	a	DET
fsr-3615	8	27	reflection	reflection	NOUN
fsr-3615	8	28	of	of	ADP
fsr-3615	8	29	a	a	DET
fsr-3615	8	30	household	household	NOUN
fsr-3615	8	31	’s	’s	PART
fsr-3615	8	32	financial	financial	ADJ
fsr-3615	8	33	situation	situation	NOUN
fsr-3615	8	34	but	but	CCONJ
fsr-3615	8	35	also	also	ADV
fsr-3615	8	36	a	a	DET
fsr-3615	8	37	determinant	determinant	NOUN
fsr-3615	8	38	of	of	ADP
fsr-3615	8	39	their	their	PRON
fsr-3615	8	40	financial	financial	ADJ
fsr-3615	8	41	decision	decision	NOUN
fsr-3615	8	42	-	-	PUNCT
fsr-3615	8	43	making	making	NOUN
fsr-3615	8	44	in	in	ADP
fsr-3615	8	45	times	time	NOUN
fsr-3615	8	46	of	of	ADP
fsr-3615	8	47	crisis	crisis	NOUN
fsr-3615	8	48	.	.	PUNCT
fsr-3615	9	1	furthermore	furthermore	ADV
fsr-3615	9	2	,	,	PUNCT
fsr-3615	9	3	the	the	DET
fsr-3615	9	4	results	result	NOUN
fsr-3615	9	5	underscore	underscore	VERB
fsr-3615	9	6	the	the	DET
fsr-3615	9	7	critical	critical	ADJ
fsr-3615	9	8	role	role	NOUN
fsr-3615	9	9	of	of	ADP
fsr-3615	9	10	stimulus	stimulus	ADJ
fsr-3615	9	11	checks	check	NOUN
fsr-3615	9	12	and	and	CCONJ
fsr-3615	9	13	other	other	ADJ
fsr-3615	9	14	financial	financial	ADJ
fsr-3615	9	15	assistance	assistance	NOUN
fsr-3615	9	16	in	in	ADP
fsr-3615	9	17	mitigating	mitigate	VERB
fsr-3615	9	18	the	the	DET
fsr-3615	9	19	economic	economic	ADJ
fsr-3615	9	20	impacts	impact	NOUN
fsr-3615	9	21	of	of	ADP
fsr-3615	9	22	the	the	DET
fsr-3615	9	23	pandemic	pandemic	NOUN
fsr-3615	9	24	on	on	ADP
fsr-3615	9	25	american	american	ADJ
fsr-3615	9	26	households	household	NOUN
fsr-3615	9	27	.	.	PUNCT
fsr-3615	10	1	findings	finding	NOUN
fsr-3615	10	2	from	from	ADP
fsr-3615	10	3	this	this	DET
fsr-3615	10	4	study	study	NOUN
fsr-3615	10	5	contribute	contribute	VERB
fsr-3615	10	6	to	to	ADP
fsr-3615	10	7	a	a	DET
fsr-3615	10	8	deeper	deep	ADJ
fsr-3615	10	9	understanding	understanding	NOUN
fsr-3615	10	10	of	of	ADP
fsr-3615	10	11	financial	financial	ADJ
fsr-3615	10	12	decision	decision	NOUN
fsr-3615	10	13	-	-	PUNCT
fsr-3615	10	14	making	make	VERB
fsr-3615	10	15	processes	process	NOUN
fsr-3615	10	16	during	during	ADP
fsr-3615	10	17	periods	period	NOUN
fsr-3615	10	18	of	of	ADP
fsr-3615	10	19	economic	economic	ADJ
fsr-3615	10	20	uncertainty	uncertainty	NOUN
fsr-3615	10	21	and	and	CCONJ
fsr-3615	10	22	offer	offer	VERB
fsr-3615	10	23	implications	implication	NOUN
fsr-3615	10	24	for	for	ADP
fsr-3615	10	25	future	future	ADJ
fsr-3615	10	26	economic	economic	ADJ
fsr-3615	10	27	policies	policy	NOUN
fsr-3615	10	28	and	and	CCONJ
fsr-3615	10	29	financial	financial	ADJ
fsr-3615	10	30	literacy	literacy	NOUN
fsr-3615	10	31	programs	program	NOUN
fsr-3615	10	32	.	.	PUNCT
fsr-3615	11	1	creative	creative	ADJ
fsr-3615	11	2	commons	commons	PROPN
fsr-3615	11	3	license	license	NOUN
fsr-3615	11	4	this	this	DET
fsr-3615	11	5	work	work	NOUN
fsr-3615	11	6	is	be	AUX
fsr-3615	11	7	licensed	license	VERB
fsr-3615	11	8	under	under	ADP
fsr-3615	11	9	a	a	DET
fsr-3615	11	10	creative	creative	ADJ
fsr-3615	11	11	commons	common	NOUN
fsr-3615	11	12	attribution	attribution	NOUN
fsr-3615	11	13	-	-	PUNCT
fsr-3615	11	14	noncommercial	noncommercial	ADJ
fsr-3615	11	15	4.0	4.0	NUM
fsr-3615	11	16	license	license	NOUN
fsr-3615	11	17	recommended	recommend	VERB
fsr-3615	11	18	citation	citation	NOUN
fsr-3615	11	19	ouyang	ouyang	PROPN
fsr-3615	11	20	,	,	PUNCT
fsr-3615	11	21	c.	c.	PROPN
fsr-3615	11	22	,	,	PUNCT
fsr-3615	11	23	crandall	crandall	PROPN
fsr-3615	11	24	,	,	PUNCT
fsr-3615	11	25	t.	t.	PROPN
fsr-3615	11	26	,	,	PUNCT
fsr-3615	11	27	&	&	CCONJ
fsr-3615	11	28	chatterjee	chatterjee	PROPN
fsr-3615	11	29	,	,	PUNCT
fsr-3615	11	30	s.	s.	PROPN
fsr-3615	11	31	(	(	PUNCT
fsr-3615	11	32	2025	2025	NUM
fsr-3615	11	33	)	)	PUNCT
fsr-3615	11	34	.	.	PUNCT
fsr-3615	12	1	the	the	DET
fsr-3615	12	2	impact	impact	NOUN
fsr-3615	12	3	of	of	ADP
fsr-3615	12	4	the	the	DET
fsr-3615	12	5	covid-19	covid-19	PROPN
fsr-3615	12	6	income	income	NOUN
fsr-3615	12	7	shock	shock	NOUN
fsr-3615	12	8	on	on	ADP
fsr-3615	12	9	debt	debt	NOUN
fsr-3615	12	10	management	management	NOUN
fsr-3615	12	11	:	:	PUNCT
fsr-3615	12	12	a	a	DET
fsr-3615	12	13	mediation	mediation	NOUN
fsr-3615	12	14	analysis	analysis	NOUN
fsr-3615	12	15	.	.	PUNCT
fsr-3615	13	1	financial	financial	ADJ
fsr-3615	13	2	services	service	NOUN
fsr-3615	13	3	review	review	PROPN
fsr-3615	13	4	,	,	PUNCT
fsr-3615	13	5	33(1	33(1	NUM
fsr-3615	13	6	)	)	PUNCT
fsr-3615	13	7	,	,	PUNCT
fsr-3615	13	8	1	1	NUM
fsr-3615	13	9	-	-	SYM
fsr-3615	13	10	27	27	NUM
fsr-3615	13	11	.	.	PUNCT
fsr-3615	14	1	introduction	introduction	NOUN
fsr-3615	14	2	the	the	DET
fsr-3615	14	3	worldwide	worldwide	ADJ
fsr-3615	14	4	outbreak	outbreak	NOUN
fsr-3615	14	5	of	of	ADP
fsr-3615	14	6	covid-19	covid-19	PROPN
fsr-3615	14	7	infections	infection	NOUN
fsr-3615	14	8	in	in	ADP
fsr-3615	14	9	early	early	ADJ
fsr-3615	14	10	2020	2020	NUM
fsr-3615	14	11	led	lead	VERB
fsr-3615	14	12	to	to	ADP
fsr-3615	14	13	an	an	DET
fsr-3615	14	14	acute	acute	ADJ
fsr-3615	14	15	economic	economic	ADJ
fsr-3615	14	16	crisis	crisis	NOUN
fsr-3615	14	17	(	(	PUNCT
fsr-3615	14	18	borio	borio	NOUN
fsr-3615	14	19	,	,	PUNCT
fsr-3615	14	20	2020	2020	NUM
fsr-3615	14	21	)	)	PUNCT
fsr-3615	14	22	.	.	PUNCT
fsr-3615	15	1	notably	notably	ADV
fsr-3615	15	2	,	,	PUNCT
fsr-3615	15	3	about	about	ADV
fsr-3615	15	4	22	22	NUM
fsr-3615	15	5	million	million	NUM
fsr-3615	15	6	workers	worker	NOUN
fsr-3615	15	7	1	1	NUM
fsr-3615	15	8	corresponding	correspond	VERB
fsr-3615	15	9	author	author	NOUN
fsr-3615	15	10	(	(	PUNCT
fsr-3615	15	11	congrong@ksu.edu	congrong@ksu.edu	PROPN
fsr-3615	15	12	)	)	PUNCT
fsr-3615	15	13	.	.	PUNCT
fsr-3615	16	1	kansas	kansas	PROPN
fsr-3615	16	2	state	state	PROPN
fsr-3615	16	3	university	university	PROPN
fsr-3615	16	4	,	,	PUNCT
fsr-3615	16	5	manhattan	manhattan	PROPN
fsr-3615	16	6	,	,	PUNCT
fsr-3615	16	7	ks	ks	PROPN
fsr-3615	16	8	,	,	PUNCT
fsr-3615	16	9	usa	usa	PROPN
fsr-3615	16	10	2	2	NUM
fsr-3615	16	11	kansas	kansas	PROPN
fsr-3615	16	12	state	state	PROPN
fsr-3615	16	13	university	university	PROPN
fsr-3615	16	14	,	,	PUNCT
fsr-3615	16	15	manhattan	manhattan	PROPN
fsr-3615	16	16	,	,	PUNCT
fsr-3615	16	17	ks	ks	PROPN
fsr-3615	16	18	,	,	PUNCT
fsr-3615	16	19	usa	usa	PROPN
fsr-3615	16	20	3	3	NUM
fsr-3615	16	21	university	university	PROPN
fsr-3615	16	22	of	of	ADP
fsr-3615	16	23	georgia	georgia	PROPN
fsr-3615	16	24	,	,	PUNCT
fsr-3615	16	25	athens	athens	PROPN
fsr-3615	16	26	,	,	PUNCT
fsr-3615	16	27	ga	ga	PROPN
fsr-3615	16	28	,	,	PUNCT
fsr-3615	16	29	usa	usa	PROPN
fsr-3615	16	30	filed	file	VERB
fsr-3615	16	31	for	for	ADP
fsr-3615	16	32	unemployment	unemployment	NOUN
fsr-3615	16	33	in	in	ADP
fsr-3615	16	34	the	the	DET
fsr-3615	16	35	united	united	PROPN
fsr-3615	16	36	states	states	PROPN
fsr-3615	16	37	.	.	PUNCT
fsr-3615	17	1	during	during	ADP
fsr-3615	17	2	the	the	DET
fsr-3615	17	3	four	four	NUM
fsr-3615	17	4	weeks	week	NOUN
fsr-3615	17	5	from	from	ADP
fsr-3615	17	6	march	march	PROPN
fsr-3615	17	7	2020	2020	NUM
fsr-3615	17	8	to	to	ADP
fsr-3615	17	9	april	april	PROPN
fsr-3615	17	10	2020	2020	NUM
fsr-3615	17	11	(	(	PUNCT
fsr-3615	17	12	armantier	armantier	PROPN
fsr-3615	17	13	et	et	PROPN
fsr-3615	17	14	al	al	PROPN
fsr-3615	17	15	.	.	PROPN
fsr-3615	17	16	,	,	PUNCT
fsr-3615	17	17	2021	2021	NUM
fsr-3615	17	18	)	)	PUNCT
fsr-3615	17	19	.	.	PUNCT
fsr-3615	18	1	over	over	ADP
fsr-3615	18	2	27	27	NUM
fsr-3615	18	3	%	%	NOUN
fsr-3615	18	4	of	of	ADP
fsr-3615	18	5	u.s	u.s	PROPN
fsr-3615	18	6	.	.	PROPN
fsr-3615	18	7	households	household	NOUN
fsr-3615	18	8	reported	report	VERB
fsr-3615	18	9	experiencing	experience	VERB
fsr-3615	18	10	financial	financial	ADJ
fsr-3615	18	11	https://creativecommons.org/licenses/by-nc/4.0/	https://creativecommons.org/licenses/by-nc/4.0/	PRON
fsr-3615	18	12	https://creativecommons.org/licenses/by-nc/4.0/	https://creativecommons.org/licenses/by-nc/4.0/	PRON
fsr-3615	18	13	financial	financial	ADJ
fsr-3615	18	14	services	service	NOUN
fsr-3615	18	15	review	review	PROPN
fsr-3615	18	16	,	,	PUNCT
fsr-3615	18	17	33(1	33(1	NUM
fsr-3615	18	18	)	)	PUNCT
fsr-3615	18	19	2	2	NUM
fsr-3615	18	20	hardship	hardship	NOUN
fsr-3615	18	21	,	,	PUNCT
fsr-3615	18	22	and	and	CCONJ
fsr-3615	18	23	over	over	ADP
fsr-3615	18	24	30	30	NUM
fsr-3615	18	25	%	%	NOUN
fsr-3615	18	26	missed	miss	VERB
fsr-3615	18	27	debt	debt	NOUN
fsr-3615	18	28	payments	payment	NOUN
fsr-3615	18	29	(	(	PUNCT
fsr-3615	18	30	liu	liu	PROPN
fsr-3615	18	31	et	et	PROPN
fsr-3615	18	32	al	al	PROPN
fsr-3615	18	33	.	.	PROPN
fsr-3615	18	34	,	,	PUNCT
fsr-3615	18	35	2021	2021	NUM
fsr-3615	18	36	)	)	PUNCT
fsr-3615	18	37	.	.	PUNCT
fsr-3615	19	1	the	the	DET
fsr-3615	19	2	u.s	u.s	PROPN
fsr-3615	19	3	.	.	PROPN
fsr-3615	19	4	government	government	NOUN
fsr-3615	19	5	responded	respond	VERB
fsr-3615	19	6	to	to	ADP
fsr-3615	19	7	the	the	DET
fsr-3615	19	8	economic	economic	ADJ
fsr-3615	19	9	crisis	crisis	NOUN
fsr-3615	19	10	by	by	ADP
fsr-3615	19	11	introducing	introduce	VERB
fsr-3615	19	12	the	the	DET
fsr-3615	19	13	2020	2020	NUM
fsr-3615	19	14	coronavirus	coronavirus	NOUN
fsr-3615	19	15	aid	aid	NOUN
fsr-3615	19	16	,	,	PUNCT
fsr-3615	19	17	relief	relief	NOUN
fsr-3615	19	18	,	,	PUNCT
fsr-3615	19	19	and	and	CCONJ
fsr-3615	19	20	economic	economic	ADJ
fsr-3615	19	21	security	security	NOUN
fsr-3615	19	22	act	act	NOUN
fsr-3615	19	23	(	(	PUNCT
fsr-3615	19	24	cares	cares	PROPN
fsr-3615	19	25	act	act	PROPN
fsr-3615	19	26	,	,	PUNCT
fsr-3615	19	27	2020	2020	NUM
fsr-3615	19	28	)	)	PUNCT
fsr-3615	19	29	,	,	PUNCT
fsr-3615	19	30	signed	sign	VERB
fsr-3615	19	31	into	into	ADP
fsr-3615	19	32	law	law	NOUN
fsr-3615	19	33	on	on	ADP
fsr-3615	19	34	march	march	PROPN
fsr-3615	19	35	27th	27th	NOUN
fsr-3615	19	36	,	,	PUNCT
fsr-3615	19	37	2020	2020	NUM
fsr-3615	19	38	,	,	PUNCT
fsr-3615	19	39	which	which	PRON
fsr-3615	19	40	provided	provide	VERB
fsr-3615	19	41	a	a	DET
fsr-3615	19	42	stimulus	stimulus	ADJ
fsr-3615	19	43	check	check	NOUN
fsr-3615	19	44	of	of	ADP
fsr-3615	19	45	up	up	ADP
fsr-3615	19	46	to	to	PART
fsr-3615	19	47	$	$	SYM
fsr-3615	19	48	1,200	1,200	NUM
fsr-3615	19	49	per	per	ADP
fsr-3615	19	50	adult	adult	NOUN
fsr-3615	19	51	and	and	CCONJ
fsr-3615	19	52	$	$	SYM
fsr-3615	19	53	500	500	NUM
fsr-3615	19	54	per	per	ADP
fsr-3615	19	55	child	child	NOUN
fsr-3615	19	56	for	for	ADP
fsr-3615	19	57	most	most	ADJ
fsr-3615	19	58	americans	americans	PROPN
fsr-3615	19	59	in	in	ADP
fsr-3615	19	60	the	the	DET
fsr-3615	19	61	united	united	PROPN
fsr-3615	19	62	states	states	PROPN
fsr-3615	19	63	earning	earn	VERB
fsr-3615	19	64	less	less	ADJ
fsr-3615	19	65	than	than	ADP
fsr-3615	19	66	$	$	SYM
fsr-3615	19	67	99,000	99,000	NUM
fsr-3615	19	68	(	(	PUNCT
fsr-3615	19	69	or	or	CCONJ
fsr-3615	19	70	$	$	SYM
fsr-3615	19	71	198,000	198,000	NUM
fsr-3615	19	72	for	for	ADP
fsr-3615	19	73	joint	joint	ADJ
fsr-3615	19	74	tax	tax	NOUN
fsr-3615	19	75	filers	filer	NOUN
fsr-3615	19	76	)	)	PUNCT
fsr-3615	19	77	(	(	PUNCT
fsr-3615	19	78	treasury.gov	treasury.gov	NUM
fsr-3615	19	79	)	)	PUNCT
fsr-3615	19	80	.	.	PUNCT
fsr-3615	20	1	by	by	ADP
fsr-3615	20	2	march	march	PROPN
fsr-3615	20	3	2021	2021	NUM
fsr-3615	20	4	,	,	PUNCT
fsr-3615	20	5	following	follow	VERB
fsr-3615	20	6	two	two	NUM
fsr-3615	20	7	additional	additional	ADJ
fsr-3615	20	8	rounds	round	NOUN
fsr-3615	20	9	of	of	ADP
fsr-3615	20	10	stimulus	stimulus	NOUN
fsr-3615	20	11	,	,	PUNCT
fsr-3615	20	12	pandemic	pandemic	ADJ
fsr-3615	20	13	-	-	PUNCT
fsr-3615	20	14	related	relate	VERB
fsr-3615	20	15	disbursements	disbursement	NOUN
fsr-3615	20	16	to	to	ADP
fsr-3615	20	17	american	american	ADJ
fsr-3615	20	18	households	household	NOUN
fsr-3615	20	19	tallied	tally	VERB
fsr-3615	20	20	$	$	SYM
fsr-3615	20	21	803	803	NUM
fsr-3615	20	22	billion	billion	NUM
fsr-3615	20	23	(	(	PUNCT
fsr-3615	20	24	pandemic	pandemic	ADJ
fsr-3615	20	25	oversight	oversight	NOUN
fsr-3615	20	26	,	,	PUNCT
fsr-3615	20	27	2022	2022	NUM
fsr-3615	20	28	)	)	PUNCT
fsr-3615	20	29	.	.	PUNCT
fsr-3615	21	1	consumer	consumer	NOUN
fsr-3615	21	2	debt	debt	NOUN
fsr-3615	21	3	obligations	obligation	NOUN
fsr-3615	21	4	of	of	ADP
fsr-3615	21	5	americans	americans	PROPN
fsr-3615	21	6	had	have	AUX
fsr-3615	21	7	been	be	AUX
fsr-3615	21	8	steadily	steadily	ADV
fsr-3615	21	9	rising	rise	VERB
fsr-3615	21	10	long	long	ADV
fsr-3615	21	11	before	before	ADP
fsr-3615	21	12	the	the	DET
fsr-3615	21	13	covid-19	covid-19	PROPN
fsr-3615	21	14	pandemic	pandemic	NOUN
fsr-3615	21	15	(	(	PUNCT
fsr-3615	21	16	berger	berger	PROPN
fsr-3615	21	17	&	&	CCONJ
fsr-3615	21	18	houle	houle	PROPN
fsr-3615	21	19	,	,	PUNCT
fsr-3615	21	20	2019	2019	NUM
fsr-3615	21	21	;	;	PUNCT
fsr-3615	21	22	fan	fan	PROPN
fsr-3615	21	23	&	&	CCONJ
fsr-3615	21	24	chatterjee	chatterjee	PROPN
fsr-3615	21	25	,	,	PUNCT
fsr-3615	21	26	2017	2017	NUM
fsr-3615	21	27	;	;	PUNCT
fsr-3615	21	28	ouyang	ouyang	PROPN
fsr-3615	21	29	&	&	CCONJ
fsr-3615	21	30	hanna	hanna	PROPN
fsr-3615	21	31	,	,	PUNCT
fsr-3615	21	32	2022	2022	NUM
fsr-3615	21	33	)	)	PUNCT
fsr-3615	21	34	.	.	PUNCT
fsr-3615	22	1	the	the	DET
fsr-3615	22	2	total	total	ADJ
fsr-3615	22	3	consumer	consumer	NOUN
fsr-3615	22	4	debt	debt	NOUN
fsr-3615	22	5	in	in	ADP
fsr-3615	22	6	the	the	DET
fsr-3615	22	7	united	united	PROPN
fsr-3615	22	8	states	states	PROPN
fsr-3615	22	9	increased	increase	VERB
fsr-3615	22	10	from	from	ADP
fsr-3615	22	11	below	below	ADP
fsr-3615	22	12	$	$	SYM
fsr-3615	22	13	10	10	NUM
fsr-3615	22	14	trillion	trillion	NUM
fsr-3615	22	15	in	in	ADP
fsr-3615	22	16	2005	2005	NUM
fsr-3615	22	17	to	to	ADP
fsr-3615	22	18	more	more	ADJ
fsr-3615	22	19	than	than	ADP
fsr-3615	22	20	$	$	SYM
fsr-3615	22	21	16	16	NUM
fsr-3615	22	22	trillion	trillion	NUM
fsr-3615	22	23	mid	mid	NOUN
fsr-3615	22	24	-	-	NOUN
fsr-3615	22	25	way	way	NOUN
fsr-3615	22	26	through	through	ADP
fsr-3615	22	27	2022	2022	NUM
fsr-3615	22	28	,	,	PUNCT
fsr-3615	22	29	$	$	SYM
fsr-3615	22	30	11.6	11.6	NUM
fsr-3615	22	31	trillion	trillion	NUM
fsr-3615	22	32	of	of	ADP
fsr-3615	22	33	which	which	PRON
fsr-3615	22	34	was	be	AUX
fsr-3615	22	35	outstanding	outstanding	ADJ
fsr-3615	22	36	mortgage	mortgage	NOUN
fsr-3615	22	37	debt	debt	NOUN
fsr-3615	22	38	(	(	PUNCT
fsr-3615	22	39	federal	federal	PROPN
fsr-3615	22	40	reserve	reserve	PROPN
fsr-3615	22	41	bank	bank	PROPN
fsr-3615	22	42	of	of	ADP
fsr-3615	22	43	new	new	PROPN
fsr-3615	22	44	york	york	PROPN
fsr-3615	22	45	,	,	PUNCT
fsr-3615	22	46	2022	2022	NUM
fsr-3615	22	47	)	)	PUNCT
fsr-3615	22	48	.	.	PUNCT
fsr-3615	23	1	past	past	PROPN
fsr-3615	23	2	literature	literature	PROPN
fsr-3615	23	3	has	have	AUX
fsr-3615	23	4	shown	show	VERB
fsr-3615	23	5	varied	varied	ADJ
fsr-3615	23	6	results	result	NOUN
fsr-3615	23	7	for	for	ADP
fsr-3615	23	8	the	the	DET
fsr-3615	23	9	consequences	consequence	NOUN
fsr-3615	23	10	of	of	ADP
fsr-3615	23	11	debt	debt	NOUN
fsr-3615	23	12	on	on	ADP
fsr-3615	23	13	people	people	NOUN
fsr-3615	23	14	’s	’s	PART
fsr-3615	23	15	well	well	ADV
fsr-3615	23	16	-	-	PUNCT
fsr-3615	23	17	being	being	NOUN
fsr-3615	23	18	and	and	CCONJ
fsr-3615	23	19	decision	decision	NOUN
fsr-3615	23	20	-	-	PUNCT
fsr-3615	23	21	making	making	NOUN
fsr-3615	23	22	(	(	PUNCT
fsr-3615	23	23	amromin	amromin	PROPN
fsr-3615	23	24	&	&	CCONJ
fsr-3615	23	25	smith	smith	PROPN
fsr-3615	23	26	,	,	PUNCT
fsr-3615	23	27	2003	2003	NUM
fsr-3615	23	28	;	;	PUNCT
fsr-3615	23	29	argento	argento	PROPN
fsr-3615	23	30	et	et	PROPN
fsr-3615	23	31	al	al	PROPN
fsr-3615	23	32	.	.	PROPN
fsr-3615	23	33	,	,	PUNCT
fsr-3615	23	34	2015	2015	NUM
fsr-3615	23	35	;	;	PUNCT
fsr-3615	23	36	butrica	butrica	PROPN
fsr-3615	23	37	et	et	PROPN
fsr-3615	23	38	al	al	PROPN
fsr-3615	23	39	.	.	PROPN
fsr-3615	23	40	,	,	PUNCT
fsr-3615	23	41	2010	2010	NUM
fsr-3615	23	42	;	;	PUNCT
fsr-3615	23	43	tharayil	tharayil	NOUN
fsr-3615	23	44	&	&	CCONJ
fsr-3615	23	45	walstad	walstad	PROPN
fsr-3615	23	46	,	,	PUNCT
fsr-3615	23	47	2022	2022	NUM
fsr-3615	23	48	)	)	PUNCT
fsr-3615	23	49	;	;	PUNCT
fsr-3615	23	50	however	however	ADV
fsr-3615	23	51	,	,	PUNCT
fsr-3615	23	52	differences	difference	NOUN
fsr-3615	23	53	in	in	ADP
fsr-3615	23	54	debt	debt	NOUN
fsr-3615	23	55	payment	payment	NOUN
fsr-3615	23	56	classifications	classification	NOUN
fsr-3615	23	57	,	,	PUNCT
fsr-3615	23	58	the	the	DET
fsr-3615	23	59	specific	specific	ADJ
fsr-3615	23	60	consumer	consumer	NOUN
fsr-3615	23	61	debt	debt	NOUN
fsr-3615	23	62	variables	variable	NOUN
fsr-3615	23	63	analyzed	analyze	VERB
fsr-3615	23	64	,	,	PUNCT
fsr-3615	23	65	and	and	CCONJ
fsr-3615	23	66	the	the	DET
fsr-3615	23	67	various	various	ADJ
fsr-3615	23	68	research	research	NOUN
fsr-3615	23	69	model	model	NOUN
fsr-3615	23	70	structures	structure	NOUN
fsr-3615	23	71	employed	employ	VERB
fsr-3615	23	72	in	in	ADP
fsr-3615	23	73	these	these	DET
fsr-3615	23	74	previous	previous	ADJ
fsr-3615	23	75	studies	study	NOUN
fsr-3615	23	76	,	,	PUNCT
fsr-3615	23	77	have	have	AUX
fsr-3615	23	78	likely	likely	ADV
fsr-3615	23	79	influenced	influence	VERB
fsr-3615	23	80	these	these	DET
fsr-3615	23	81	results	result	NOUN
fsr-3615	23	82	.	.	PUNCT
fsr-3615	24	1	in	in	ADP
fsr-3615	24	2	these	these	DET
fsr-3615	24	3	studies	study	NOUN
fsr-3615	24	4	,	,	PUNCT
fsr-3615	24	5	financial	financial	ADJ
fsr-3615	24	6	shocks	shock	NOUN
fsr-3615	24	7	,	,	PUNCT
fsr-3615	24	8	such	such	ADJ
fsr-3615	24	9	as	as	ADP
fsr-3615	24	10	unexpected	unexpected	ADJ
fsr-3615	24	11	and	and	CCONJ
fsr-3615	24	12	significant	significant	ADJ
fsr-3615	24	13	income	income	NOUN
fsr-3615	24	14	drops	drop	NOUN
fsr-3615	24	15	or	or	CCONJ
fsr-3615	24	16	sudden	sudden	ADJ
fsr-3615	24	17	surges	surge	NOUN
fsr-3615	24	18	in	in	ADP
fsr-3615	24	19	expenses	expense	NOUN
fsr-3615	24	20	,	,	PUNCT
fsr-3615	24	21	have	have	AUX
fsr-3615	24	22	been	be	AUX
fsr-3615	24	23	associated	associate	VERB
fsr-3615	24	24	with	with	ADP
fsr-3615	24	25	individuals	individual	NOUN
fsr-3615	24	26	’	’	PART
fsr-3615	24	27	debt	debt	NOUN
fsr-3615	24	28	management	management	NOUN
fsr-3615	24	29	decisions	decision	NOUN
fsr-3615	24	30	.	.	PUNCT
fsr-3615	25	1	these	these	DET
fsr-3615	25	2	differences	difference	NOUN
fsr-3615	25	3	in	in	ADP
fsr-3615	25	4	results	result	NOUN
fsr-3615	25	5	and	and	CCONJ
fsr-3615	25	6	hints	hint	NOUN
fsr-3615	25	7	of	of	ADP
fsr-3615	25	8	association	association	NOUN
fsr-3615	25	9	with	with	ADP
fsr-3615	25	10	decisions	decision	NOUN
fsr-3615	25	11	around	around	ADP
fsr-3615	25	12	debt	debt	NOUN
fsr-3615	25	13	service	service	NOUN
fsr-3615	25	14	found	find	VERB
fsr-3615	25	15	in	in	ADP
fsr-3615	25	16	the	the	DET
fsr-3615	25	17	extant	extant	ADJ
fsr-3615	25	18	literature	literature	NOUN
fsr-3615	25	19	underscore	underscore	VERB
fsr-3615	25	20	the	the	DET
fsr-3615	25	21	need	need	NOUN
fsr-3615	25	22	for	for	ADP
fsr-3615	25	23	new	new	ADJ
fsr-3615	25	24	and	and	CCONJ
fsr-3615	25	25	continued	continued	ADJ
fsr-3615	25	26	research	research	NOUN
fsr-3615	25	27	in	in	ADP
fsr-3615	25	28	this	this	DET
fsr-3615	25	29	area	area	NOUN
fsr-3615	25	30	.	.	PUNCT
fsr-3615	26	1	with	with	ADP
fsr-3615	26	2	debt	debt	NOUN
fsr-3615	26	3	loads	load	NOUN
fsr-3615	26	4	higher	high	ADJ
fsr-3615	26	5	than	than	ADP
fsr-3615	26	6	ever	ever	ADV
fsr-3615	26	7	,	,	PUNCT
fsr-3615	26	8	consumers	consumer	NOUN
fsr-3615	26	9	were	be	AUX
fsr-3615	26	10	particularly	particularly	ADV
fsr-3615	26	11	susceptible	susceptible	ADJ
fsr-3615	26	12	to	to	ADP
fsr-3615	26	13	the	the	DET
fsr-3615	26	14	economic	economic	ADJ
fsr-3615	26	15	instability	instability	NOUN
fsr-3615	26	16	brought	bring	VERB
fsr-3615	26	17	forward	forward	ADP
fsr-3615	26	18	by	by	ADP
fsr-3615	26	19	the	the	DET
fsr-3615	26	20	covid-19	covid-19	PROPN
fsr-3615	26	21	pandemic	pandemic	NOUN
fsr-3615	26	22	.	.	PUNCT
fsr-3615	27	1	income	income	NOUN
fsr-3615	27	2	shocks	shock	NOUN
fsr-3615	27	3	can	can	AUX
fsr-3615	27	4	directly	directly	ADV
fsr-3615	27	5	result	result	VERB
fsr-3615	27	6	in	in	ADP
fsr-3615	27	7	debt	debt	NOUN
fsr-3615	27	8	management	management	NOUN
fsr-3615	27	9	challenges	challenge	NOUN
fsr-3615	27	10	and	and	CCONJ
fsr-3615	27	11	adversely	adversely	ADV
fsr-3615	27	12	affect	affect	VERB
fsr-3615	27	13	the	the	DET
fsr-3615	27	14	psychological	psychological	ADJ
fsr-3615	27	15	well	well	NOUN
fsr-3615	27	16	-	-	PUNCT
fsr-3615	27	17	being	being	NOUN
fsr-3615	27	18	of	of	ADP
fsr-3615	27	19	households	household	NOUN
fsr-3615	27	20	(	(	PUNCT
fsr-3615	27	21	netemeyer	netemeyer	NOUN
fsr-3615	27	22	et	et	PROPN
fsr-3615	27	23	al	al	PROPN
fsr-3615	27	24	.	.	PROPN
fsr-3615	27	25	,	,	PUNCT
fsr-3615	27	26	2018	2018	NUM
fsr-3615	27	27	;	;	PUNCT
fsr-3615	27	28	shevlin	shevlin	PROPN
fsr-3615	27	29	et	et	PROPN
fsr-3615	27	30	al	al	PROPN
fsr-3615	27	31	.	.	PROPN
fsr-3615	27	32	,	,	PUNCT
fsr-3615	27	33	2020	2020	NUM
fsr-3615	27	34	)	)	PUNCT
fsr-3615	27	35	.	.	PUNCT
fsr-3615	28	1	over	over	ADP
fsr-3615	28	2	the	the	DET
fsr-3615	28	3	long	long	ADJ
fsr-3615	28	4	term	term	NOUN
fsr-3615	28	5	,	,	PUNCT
fsr-3615	28	6	studies	study	NOUN
fsr-3615	28	7	have	have	AUX
fsr-3615	28	8	found	find	VERB
fsr-3615	28	9	that	that	SCONJ
fsr-3615	28	10	experiencing	experience	VERB
fsr-3615	28	11	debt	debt	NOUN
fsr-3615	28	12	hardships	hardship	NOUN
fsr-3615	28	13	(	(	PUNCT
fsr-3615	28	14	i.e.	i.e.	X
fsr-3615	28	15	,	,	PUNCT
fsr-3615	28	16	delinquency	delinquency	NOUN
fsr-3615	28	17	on	on	ADP
fsr-3615	28	18	debt	debt	NOUN
fsr-3615	28	19	payments	payment	NOUN
fsr-3615	28	20	and	and	CCONJ
fsr-3615	28	21	credit	credit	NOUN
fsr-3615	28	22	constraints	constraint	NOUN
fsr-3615	28	23	)	)	PUNCT
fsr-3615	28	24	can	can	AUX
fsr-3615	28	25	increase	increase	VERB
fsr-3615	28	26	mortality	mortality	NOUN
fsr-3615	28	27	risk	risk	NOUN
fsr-3615	28	28	and	and	CCONJ
fsr-3615	28	29	affect	affect	VERB
fsr-3615	28	30	the	the	DET
fsr-3615	28	31	psychological	psychological	ADJ
fsr-3615	28	32	well	well	NOUN
fsr-3615	28	33	-	-	PUNCT
fsr-3615	28	34	being	being	NOUN
fsr-3615	28	35	of	of	ADP
fsr-3615	28	36	both	both	CCONJ
fsr-3615	28	37	older	old	ADJ
fsr-3615	28	38	women	woman	NOUN
fsr-3615	28	39	and	and	CCONJ
fsr-3615	28	40	men	man	NOUN
fsr-3615	28	41	(	(	PUNCT
fsr-3615	28	42	marshall	marshall	PROPN
fsr-3615	28	43	&	&	CCONJ
fsr-3615	28	44	tucker	tucker	PROPN
fsr-3615	28	45	-	-	PUNCT
fsr-3615	28	46	seeley	seeley	PROPN
fsr-3615	28	47	,	,	PUNCT
fsr-3615	28	48	2018	2018	NUM
fsr-3615	28	49	;	;	PUNCT
fsr-3615	28	50	tucker	tucker	PROPN
fsr-3615	28	51	-	-	PUNCT
fsr-3615	28	52	seeley	seeley	PROPN
fsr-3615	28	53	et	et	PROPN
fsr-3615	28	54	al	al	PROPN
fsr-3615	28	55	.	.	PROPN
fsr-3615	28	56	,	,	PUNCT
fsr-3615	28	57	2009	2009	NUM
fsr-3615	28	58	)	)	PUNCT
fsr-3615	28	59	.	.	PUNCT
fsr-3615	29	1	this	this	DET
fsr-3615	29	2	effect	effect	NOUN
fsr-3615	29	3	may	may	AUX
fsr-3615	29	4	be	be	AUX
fsr-3615	29	5	magnified	magnify	VERB
fsr-3615	29	6	for	for	ADP
fsr-3615	29	7	pre	pre	ADJ
fsr-3615	29	8	-	-	ADJ
fsr-3615	29	9	retiree	retiree	ADJ
fsr-3615	29	10	adults	adult	NOUN
fsr-3615	29	11	(	(	PUNCT
fsr-3615	29	12	ages	age	NOUN
fsr-3615	29	13	50	50	NUM
fsr-3615	29	14	-	-	SYM
fsr-3615	29	15	65	65	NUM
fsr-3615	29	16	)	)	PUNCT
fsr-3615	29	17	,	,	PUNCT
fsr-3615	29	18	given	give	VERB
fsr-3615	29	19	their	their	PRON
fsr-3615	29	20	low	low	ADJ
fsr-3615	29	21	financial	financial	ADJ
fsr-3615	29	22	capability	capability	NOUN
fsr-3615	29	23	and	and	CCONJ
fsr-3615	29	24	inadequate	inadequate	ADJ
fsr-3615	29	25	retirement	retirement	NOUN
fsr-3615	29	26	savings	saving	NOUN
fsr-3615	29	27	(	(	PUNCT
fsr-3615	29	28	gillers	giller	NOUN
fsr-3615	29	29	et	et	PROPN
fsr-3615	29	30	al	al	PROPN
fsr-3615	29	31	.	.	PROPN
fsr-3615	29	32	,	,	PUNCT
fsr-3615	29	33	2018	2018	NUM
fsr-3615	29	34	;	;	PUNCT
fsr-3615	29	35	lusardi	lusardi	PROPN
fsr-3615	29	36	&	&	CCONJ
fsr-3615	29	37	de	de	PROPN
fsr-3615	29	38	bassa	bassa	PROPN
fsr-3615	29	39	scheresberg	scheresberg	PROPN
fsr-3615	29	40	,	,	PUNCT
fsr-3615	29	41	2016	2016	NUM
fsr-3615	29	42	)	)	PUNCT
fsr-3615	29	43	.	.	PUNCT
fsr-3615	30	1	the	the	DET
fsr-3615	30	2	experience	experience	NOUN
fsr-3615	30	3	of	of	ADP
fsr-3615	30	4	personal	personal	ADJ
fsr-3615	30	5	financial	financial	ADJ
fsr-3615	30	6	hardship	hardship	NOUN
fsr-3615	30	7	resulting	result	VERB
fsr-3615	30	8	from	from	ADP
fsr-3615	30	9	the	the	DET
fsr-3615	30	10	inability	inability	NOUN
fsr-3615	30	11	to	to	PART
fsr-3615	30	12	meet	meet	VERB
fsr-3615	30	13	financial	financial	ADJ
fsr-3615	30	14	obligations	obligation	NOUN
fsr-3615	30	15	,	,	PUNCT
fsr-3615	30	16	such	such	ADJ
fsr-3615	30	17	as	as	ADP
fsr-3615	30	18	paying	pay	VERB
fsr-3615	30	19	bills	bill	NOUN
fsr-3615	30	20	or	or	CCONJ
fsr-3615	30	21	servicing	servicing	NOUN
fsr-3615	30	22	debts	debt	NOUN
fsr-3615	30	23	,	,	PUNCT
fsr-3615	30	24	has	have	AUX
fsr-3615	30	25	consistently	consistently	ADV
fsr-3615	30	26	been	be	AUX
fsr-3615	30	27	associated	associate	VERB
fsr-3615	30	28	with	with	ADP
fsr-3615	30	29	adverse	adverse	ADJ
fsr-3615	30	30	effects	effect	NOUN
fsr-3615	30	31	on	on	ADP
fsr-3615	30	32	households	household	NOUN
fsr-3615	30	33	’	'	PUNCT
fsr-3615	30	34	physical	physical	ADJ
fsr-3615	30	35	and	and	CCONJ
fsr-3615	30	36	psychological	psychological	ADJ
fsr-3615	30	37	well	well	ADV
fsr-3615	30	38	-	-	PUNCT
fsr-3615	30	39	being	be	AUX
fsr-3615	30	40	(	(	PUNCT
fsr-3615	30	41	drentea	drentea	NOUN
fsr-3615	30	42	&	&	CCONJ
fsr-3615	30	43	lavrakas	lavrakas	NOUN
fsr-3615	30	44	,	,	PUNCT
fsr-3615	30	45	2000	2000	NUM
fsr-3615	30	46	;	;	PUNCT
fsr-3615	30	47	sweet	sweet	ADJ
fsr-3615	30	48	,	,	PUNCT
fsr-3615	30	49	2021	2021	NUM
fsr-3615	30	50	)	)	PUNCT
fsr-3615	30	51	.	.	PUNCT
fsr-3615	31	1	moreover	moreover	ADV
fsr-3615	31	2	,	,	PUNCT
fsr-3615	31	3	the	the	DET
fsr-3615	31	4	inability	inability	NOUN
fsr-3615	31	5	to	to	PART
fsr-3615	31	6	meet	meet	VERB
fsr-3615	31	7	debt	debt	NOUN
fsr-3615	31	8	obligations	obligation	NOUN
fsr-3615	31	9	has	have	AUX
fsr-3615	31	10	been	be	AUX
fsr-3615	31	11	associated	associate	VERB
fsr-3615	31	12	with	with	ADP
fsr-3615	31	13	helplessness	helplessness	NOUN
fsr-3615	31	14	or	or	CCONJ
fsr-3615	31	15	a	a	DET
fsr-3615	31	16	perception	perception	NOUN
fsr-3615	31	17	of	of	ADP
fsr-3615	31	18	loss	loss	NOUN
fsr-3615	31	19	of	of	ADP
fsr-3615	31	20	control	control	NOUN
fsr-3615	31	21	over	over	ADP
fsr-3615	31	22	one	one	NUM
fsr-3615	31	23	’s	’s	PART
fsr-3615	31	24	financial	financial	ADJ
fsr-3615	31	25	situation	situation	NOUN
fsr-3615	31	26	when	when	SCONJ
fsr-3615	31	27	confronted	confront	VERB
fsr-3615	31	28	with	with	ADP
fsr-3615	31	29	the	the	DET
fsr-3615	31	30	impossibility	impossibility	NOUN
fsr-3615	31	31	of	of	ADP
fsr-3615	31	32	fulfilling	fulfil	VERB
fsr-3615	31	33	financial	financial	ADJ
fsr-3615	31	34	obligations	obligation	NOUN
fsr-3615	31	35	during	during	ADP
fsr-3615	31	36	times	time	NOUN
fsr-3615	31	37	of	of	ADP
fsr-3615	31	38	financial	financial	ADJ
fsr-3615	31	39	hardship	hardship	NOUN
fsr-3615	31	40	(	(	PUNCT
fsr-3615	31	41	lea	lea	PROPN
fsr-3615	31	42	et	et	PROPN
fsr-3615	31	43	al	al	PROPN
fsr-3615	31	44	.	.	PROPN
fsr-3615	31	45	,	,	PUNCT
fsr-3615	31	46	1995	1995	NUM
fsr-3615	31	47	)	)	PUNCT
fsr-3615	31	48	.	.	PUNCT
fsr-3615	32	1	however	however	ADV
fsr-3615	32	2	,	,	PUNCT
fsr-3615	32	3	other	other	ADJ
fsr-3615	32	4	studies	study	NOUN
fsr-3615	32	5	have	have	AUX
fsr-3615	32	6	shown	show	VERB
fsr-3615	32	7	that	that	SCONJ
fsr-3615	32	8	when	when	SCONJ
fsr-3615	32	9	individuals	individual	NOUN
fsr-3615	32	10	experience	experience	VERB
fsr-3615	32	11	uncertainty	uncertainty	NOUN
fsr-3615	32	12	regarding	regard	VERB
fsr-3615	32	13	their	their	PRON
fsr-3615	32	14	financial	financial	ADJ
fsr-3615	32	15	situation	situation	NOUN
fsr-3615	32	16	,	,	PUNCT
fsr-3615	32	17	they	they	PRON
fsr-3615	32	18	are	be	AUX
fsr-3615	32	19	driven	drive	VERB
fsr-3615	32	20	to	to	PART
fsr-3615	32	21	make	make	VERB
fsr-3615	32	22	decisions	decision	NOUN
fsr-3615	32	23	aimed	aim	VERB
fsr-3615	32	24	at	at	ADP
fsr-3615	32	25	gaining	gain	VERB
fsr-3615	32	26	clarity	clarity	NOUN
fsr-3615	32	27	and	and	CCONJ
fsr-3615	32	28	regaining	regain	VERB
fsr-3615	32	29	a	a	DET
fsr-3615	32	30	perception	perception	NOUN
fsr-3615	32	31	of	of	ADP
fsr-3615	32	32	control	control	NOUN
fsr-3615	32	33	over	over	ADP
fsr-3615	32	34	their	their	PRON
fsr-3615	32	35	finances	finance	NOUN
fsr-3615	32	36	(	(	PUNCT
fsr-3615	32	37	whitson	whitson	PROPN
fsr-3615	32	38	&	&	CCONJ
fsr-3615	32	39	galinsky	galinsky	PROPN
fsr-3615	32	40	,	,	PUNCT
fsr-3615	32	41	2008	2008	NUM
fsr-3615	32	42	)	)	PUNCT
fsr-3615	32	43	.	.	PUNCT
fsr-3615	33	1	due	due	ADP
fsr-3615	33	2	to	to	ADP
fsr-3615	33	3	differences	difference	NOUN
fsr-3615	33	4	in	in	ADP
fsr-3615	33	5	household	household	NOUN
fsr-3615	33	6	financial	financial	ADJ
fsr-3615	33	7	resources	resource	NOUN
fsr-3615	33	8	,	,	PUNCT
fsr-3615	33	9	individuals	individual	NOUN
fsr-3615	33	10	may	may	AUX
fsr-3615	33	11	have	have	VERB
fsr-3615	33	12	distinct	distinct	ADJ
fsr-3615	33	13	approaches	approach	NOUN
fsr-3615	33	14	to	to	ADP
fsr-3615	33	15	utilizing	utilize	VERB
fsr-3615	33	16	stimulus	stimulus	ADJ
fsr-3615	33	17	checks	check	NOUN
fsr-3615	33	18	,	,	PUNCT
fsr-3615	33	19	including	include	VERB
fsr-3615	33	20	smoothing	smooth	VERB
fsr-3615	33	21	out	out	ADP
fsr-3615	33	22	their	their	PRON
fsr-3615	33	23	consumption	consumption	NOUN
fsr-3615	33	24	patterns	pattern	NOUN
fsr-3615	33	25	and	and	CCONJ
fsr-3615	33	26	managing	manage	VERB
fsr-3615	33	27	debt	debt	NOUN
fsr-3615	33	28	obligations	obligation	NOUN
fsr-3615	33	29	,	,	PUNCT
fsr-3615	33	30	especially	especially	ADV
fsr-3615	33	31	when	when	SCONJ
fsr-3615	33	32	encountering	encounter	VERB
fsr-3615	33	33	unexpected	unexpected	ADJ
fsr-3615	33	34	economic	economic	ADJ
fsr-3615	33	35	shocks	shock	NOUN
fsr-3615	33	36	.	.	PUNCT
fsr-3615	34	1	consequently	consequently	ADV
fsr-3615	34	2	,	,	PUNCT
fsr-3615	34	3	people	people	NOUN
fsr-3615	34	4	who	who	PRON
fsr-3615	34	5	experienced	experience	VERB
fsr-3615	34	6	financial	financial	ADJ
fsr-3615	34	7	challenges	challenge	NOUN
fsr-3615	34	8	during	during	ADP
fsr-3615	34	9	the	the	DET
fsr-3615	34	10	covid-19	covid-19	PROPN
fsr-3615	34	11	pandemic	pandemic	NOUN
fsr-3615	34	12	may	may	AUX
fsr-3615	34	13	have	have	AUX
fsr-3615	34	14	been	be	AUX
fsr-3615	34	15	inclined	incline	VERB
fsr-3615	34	16	to	to	PART
fsr-3615	34	17	utilize	utilize	VERB
fsr-3615	34	18	their	their	PRON
fsr-3615	34	19	available	available	ADJ
fsr-3615	34	20	financial	financial	ADJ
fsr-3615	34	21	resources	resource	NOUN
fsr-3615	34	22	,	,	PUNCT
fsr-3615	34	23	including	include	VERB
fsr-3615	34	24	stimulus	stimulus	ADJ
fsr-3615	34	25	checks	check	NOUN
fsr-3615	34	26	,	,	PUNCT
fsr-3615	34	27	to	to	PART
fsr-3615	34	28	pay	pay	VERB
fsr-3615	34	29	outstanding	outstanding	ADJ
fsr-3615	34	30	debt	debt	NOUN
fsr-3615	34	31	obligations	obligation	NOUN
fsr-3615	34	32	.	.	PUNCT
fsr-3615	35	1	this	this	DET
fsr-3615	35	2	urgency	urgency	NOUN
fsr-3615	35	3	to	to	PART
fsr-3615	35	4	pay	pay	VERB
fsr-3615	35	5	off	off	ADP
fsr-3615	35	6	one	one	NUM
fsr-3615	35	7	’s	’s	PART
fsr-3615	35	8	debt	debt	NOUN
fsr-3615	35	9	obligations	obligation	NOUN
fsr-3615	35	10	arises	arise	VERB
fsr-3615	35	11	from	from	ADP
fsr-3615	35	12	the	the	DET
fsr-3615	35	13	potentially	potentially	ADV
fsr-3615	35	14	severe	severe	ADJ
fsr-3615	35	15	consequences	consequence	NOUN
fsr-3615	35	16	of	of	ADP
fsr-3615	35	17	the	the	DET
fsr-3615	35	18	inability	inability	NOUN
fsr-3615	35	19	to	to	PART
fsr-3615	35	20	meet	meet	VERB
fsr-3615	35	21	such	such	ADJ
fsr-3615	35	22	obligations	obligation	NOUN
fsr-3615	35	23	,	,	PUNCT
fsr-3615	35	24	which	which	PRON
fsr-3615	35	25	may	may	AUX
fsr-3615	35	26	be	be	AUX
fsr-3615	35	27	salient	salient	ADJ
fsr-3615	35	28	in	in	ADP
fsr-3615	35	29	peoples	people	NOUN
fsr-3615	35	30	’	’	PART
fsr-3615	35	31	minds	mind	NOUN
fsr-3615	35	32	.	.	PUNCT
fsr-3615	36	1	additionally	additionally	ADV
fsr-3615	36	2	,	,	PUNCT
fsr-3615	36	3	settling	settle	VERB
fsr-3615	36	4	a	a	DET
fsr-3615	36	5	portion	portion	NOUN
fsr-3615	36	6	of	of	ADP
fsr-3615	36	7	their	their	PRON
fsr-3615	36	8	debt	debt	NOUN
fsr-3615	36	9	obligations	obligation	NOUN
fsr-3615	36	10	can	can	AUX
fsr-3615	36	11	contribute	contribute	VERB
fsr-3615	36	12	to	to	ADP
fsr-3615	36	13	regaining	regain	VERB
fsr-3615	36	14	a	a	DET
fsr-3615	36	15	perception	perception	NOUN
fsr-3615	36	16	of	of	ADP
fsr-3615	36	17	control	control	NOUN
fsr-3615	36	18	over	over	ADP
fsr-3615	36	19	their	their	PRON
fsr-3615	36	20	financial	financial	ADJ
fsr-3615	36	21	situation	situation	NOUN
fsr-3615	36	22	.	.	PUNCT
fsr-3615	37	1	there	there	PRON
fsr-3615	37	2	is	be	VERB
fsr-3615	37	3	currently	currently	ADV
fsr-3615	37	4	very	very	ADV
fsr-3615	37	5	little	little	ADJ
fsr-3615	37	6	information	information	NOUN
fsr-3615	37	7	available	available	ADJ
fsr-3615	37	8	in	in	ADP
fsr-3615	37	9	the	the	DET
fsr-3615	37	10	extant	extant	ADJ
fsr-3615	37	11	literature	literature	NOUN
fsr-3615	37	12	on	on	ADP
fsr-3615	37	13	the	the	DET
fsr-3615	37	14	behavioral	behavioral	ADJ
fsr-3615	37	15	aspects	aspect	NOUN
fsr-3615	37	16	of	of	ADP
fsr-3615	37	17	peoples	people	NOUN
fsr-3615	37	18	’	'	PUNCT
fsr-3615	37	19	financial	financial	ADJ
fsr-3615	37	20	decision	decision	NOUN
fsr-3615	37	21	-	-	PUNCT
fsr-3615	37	22	making	making	NOUN
fsr-3615	37	23	during	during	ADP
fsr-3615	37	24	the	the	DET
fsr-3615	37	25	covid-19	covid-19	PROPN
fsr-3615	37	26	pandemic	pandemic	ADJ
fsr-3615	37	27	(	(	PUNCT
fsr-3615	37	28	xu	xu	PROPN
fsr-3615	37	29	&	&	CCONJ
fsr-3615	37	30	yao	yao	PROPN
fsr-3615	37	31	,	,	PUNCT
fsr-3615	37	32	2022	2022	NUM
fsr-3615	37	33	;	;	PUNCT
fsr-3615	37	34	yue	yue	PROPN
fsr-3615	37	35	et	et	PROPN
fsr-3615	37	36	al	al	PROPN
fsr-3615	37	37	.	.	PROPN
fsr-3615	37	38	,	,	PUNCT
fsr-3615	37	39	2020	2020	NUM
fsr-3615	37	40	)	)	PUNCT
fsr-3615	37	41	.	.	PUNCT
fsr-3615	38	1	our	our	PRON
fsr-3615	38	2	study	study	NOUN
fsr-3615	38	3	fills	fill	VERB
fsr-3615	38	4	this	this	DET
fsr-3615	38	5	important	important	ADJ
fsr-3615	38	6	gap	gap	NOUN
fsr-3615	38	7	in	in	ADP
fsr-3615	38	8	the	the	DET
fsr-3615	38	9	literature	literature	NOUN
fsr-3615	38	10	by	by	ADP
fsr-3615	38	11	examining	examine	VERB
fsr-3615	38	12	the	the	DET
fsr-3615	38	13	ouyang	ouyang	PROPN
fsr-3615	38	14	et	et	PROPN
fsr-3615	38	15	al	al	PROPN
fsr-3615	38	16	.	.	PROPN
fsr-3615	38	17	3	3	NUM
fsr-3615	38	18	association	association	NOUN
fsr-3615	38	19	between	between	ADP
fsr-3615	38	20	financial	financial	ADJ
fsr-3615	38	21	hardship	hardship	NOUN
fsr-3615	38	22	and	and	CCONJ
fsr-3615	38	23	the	the	DET
fsr-3615	38	24	perception	perception	NOUN
fsr-3615	38	25	of	of	ADP
fsr-3615	38	26	being	be	AUX
fsr-3615	38	27	controlled	control	VERB
fsr-3615	38	28	by	by	ADP
fsr-3615	38	29	one	one	NUM
fsr-3615	38	30	’s	’s	PART
fsr-3615	38	31	financial	financial	ADJ
fsr-3615	38	32	situation	situation	NOUN
fsr-3615	38	33	when	when	SCONJ
fsr-3615	38	34	managing	manage	VERB
fsr-3615	38	35	debt	debt	NOUN
fsr-3615	38	36	payments	payment	NOUN
fsr-3615	38	37	amid	amid	ADP
fsr-3615	38	38	the	the	DET
fsr-3615	38	39	pandemic	pandemic	NOUN
fsr-3615	38	40	.	.	PUNCT
fsr-3615	39	1	furthermore	furthermore	ADV
fsr-3615	39	2	,	,	PUNCT
fsr-3615	39	3	our	our	PRON
fsr-3615	39	4	study	study	NOUN
fsr-3615	39	5	provides	provide	VERB
fsr-3615	39	6	insight	insight	NOUN
fsr-3615	39	7	into	into	ADP
fsr-3615	39	8	the	the	DET
fsr-3615	39	9	impact	impact	NOUN
fsr-3615	39	10	of	of	ADP
fsr-3615	39	11	stimulus	stimulus	ADJ
fsr-3615	39	12	payments	payment	NOUN
fsr-3615	39	13	in	in	ADP
fsr-3615	39	14	mitigating	mitigate	VERB
fsr-3615	39	15	the	the	DET
fsr-3615	39	16	debt	debt	NOUN
fsr-3615	39	17	management	management	NOUN
fsr-3615	39	18	challenges	challenge	NOUN
fsr-3615	39	19	experienced	experience	VERB
fsr-3615	39	20	by	by	ADP
fsr-3615	39	21	households	household	NOUN
fsr-3615	39	22	.	.	PUNCT
fsr-3615	40	1	literature	literature	NOUN
fsr-3615	40	2	review	review	NOUN
fsr-3615	40	3	influence	influence	NOUN
fsr-3615	40	4	of	of	ADP
fsr-3615	40	5	perception	perception	NOUN
fsr-3615	40	6	of	of	ADP
fsr-3615	40	7	control	control	NOUN
fsr-3615	40	8	on	on	ADP
fsr-3615	40	9	financial	financial	ADJ
fsr-3615	40	10	behavior	behavior	NOUN
fsr-3615	40	11	and	and	CCONJ
fsr-3615	40	12	debt	debt	NOUN
fsr-3615	40	13	repayment	repayment	NOUN
fsr-3615	40	14	prior	prior	ADJ
fsr-3615	40	15	research	research	NOUN
fsr-3615	40	16	has	have	AUX
fsr-3615	40	17	generally	generally	ADV
fsr-3615	40	18	converged	converge	VERB
fsr-3615	40	19	on	on	ADP
fsr-3615	40	20	the	the	DET
fsr-3615	40	21	consideration	consideration	NOUN
fsr-3615	40	22	that	that	SCONJ
fsr-3615	40	23	individuals	individual	NOUN
fsr-3615	40	24	who	who	PRON
fsr-3615	40	25	perceive	perceive	VERB
fsr-3615	40	26	themselves	themselves	PRON
fsr-3615	40	27	to	to	PART
fsr-3615	40	28	be	be	AUX
fsr-3615	40	29	in	in	ADP
fsr-3615	40	30	control	control	NOUN
fsr-3615	40	31	over	over	ADP
fsr-3615	40	32	their	their	PRON
fsr-3615	40	33	life	life	NOUN
fsr-3615	40	34	situations	situation	NOUN
fsr-3615	40	35	exhibit	exhibit	VERB
fsr-3615	40	36	positive	positive	ADJ
fsr-3615	40	37	financial	financial	ADJ
fsr-3615	40	38	behaviors	behavior	NOUN
fsr-3615	40	39	toward	toward	ADP
fsr-3615	40	40	savings	saving	NOUN
fsr-3615	40	41	and	and	CCONJ
fsr-3615	40	42	budgeting	budgeting	NOUN
fsr-3615	40	43	(	(	PUNCT
fsr-3615	40	44	cobb	cobb	PROPN
fsr-3615	40	45	-	-	PUNCT
fsr-3615	40	46	clark	clark	PROPN
fsr-3615	40	47	et	et	PROPN
fsr-3615	40	48	al	al	PROPN
fsr-3615	40	49	.	.	PROPN
fsr-3615	40	50	,	,	PUNCT
fsr-3615	40	51	2016	2016	NUM
fsr-3615	40	52	;	;	PUNCT
fsr-3615	40	53	perry	perry	PROPN
fsr-3615	40	54	&	&	CCONJ
fsr-3615	40	55	morris	morris	PROPN
fsr-3615	40	56	,	,	PUNCT
fsr-3615	40	57	2005	2005	NUM
fsr-3615	40	58	)	)	PUNCT
fsr-3615	40	59	,	,	PUNCT
fsr-3615	40	60	debt	debt	NOUN
fsr-3615	40	61	management	management	NOUN
fsr-3615	40	62	(	(	PUNCT
fsr-3615	40	63	caputo	caputo	PROPN
fsr-3615	40	64	,	,	PUNCT
fsr-3615	40	65	2012	2012	NUM
fsr-3615	40	66	)	)	PUNCT
fsr-3615	40	67	,	,	PUNCT
fsr-3615	40	68	investing	investing	NOUN
fsr-3615	40	69	(	(	PUNCT
fsr-3615	40	70	salamanca	salamanca	PROPN
fsr-3615	40	71	et	et	PROPN
fsr-3615	40	72	al	al	PROPN
fsr-3615	40	73	.	.	PROPN
fsr-3615	40	74	,	,	PUNCT
fsr-3615	40	75	2020	2020	NUM
fsr-3615	40	76	)	)	PUNCT
fsr-3615	40	77	,	,	PUNCT
fsr-3615	40	78	and	and	CCONJ
fsr-3615	40	79	retirement	retirement	NOUN
fsr-3615	40	80	planning	planning	NOUN
fsr-3615	40	81	(	(	PUNCT
fsr-3615	40	82	foltice	foltice	PROPN
fsr-3615	40	83	&	&	CCONJ
fsr-3615	40	84	ilcin	ilcin	PROPN
fsr-3615	40	85	,	,	PUNCT
fsr-3615	40	86	2019	2019	NUM
fsr-3615	40	87	)	)	PUNCT
fsr-3615	40	88	.	.	PUNCT
fsr-3615	41	1	conversely	conversely	ADV
fsr-3615	41	2	,	,	PUNCT
fsr-3615	41	3	individuals	individual	NOUN
fsr-3615	41	4	who	who	PRON
fsr-3615	41	5	feel	feel	VERB
fsr-3615	41	6	a	a	DET
fsr-3615	41	7	lack	lack	NOUN
fsr-3615	41	8	of	of	ADP
fsr-3615	41	9	control	control	NOUN
fsr-3615	41	10	over	over	ADP
fsr-3615	41	11	their	their	PRON
fsr-3615	41	12	financial	financial	ADJ
fsr-3615	41	13	situation	situation	NOUN
fsr-3615	41	14	are	be	AUX
fsr-3615	41	15	likely	likely	ADJ
fsr-3615	41	16	to	to	PART
fsr-3615	41	17	make	make	VERB
fsr-3615	41	18	cognitive	cognitive	ADJ
fsr-3615	41	19	errors	error	NOUN
fsr-3615	41	20	in	in	ADP
fsr-3615	41	21	their	their	PRON
fsr-3615	41	22	financial	financial	ADJ
fsr-3615	41	23	decisions	decision	NOUN
fsr-3615	41	24	that	that	PRON
fsr-3615	41	25	may	may	AUX
fsr-3615	41	26	further	far	ADV
fsr-3615	41	27	exacerbate	exacerbate	VERB
fsr-3615	41	28	their	their	PRON
fsr-3615	41	29	financial	financial	ADJ
fsr-3615	41	30	situations	situation	NOUN
fsr-3615	41	31	(	(	PUNCT
fsr-3615	41	32	lindgren	lindgren	PROPN
fsr-3615	41	33	,	,	PUNCT
fsr-3615	41	34	1980	1980	NUM
fsr-3615	41	35	)	)	PUNCT
fsr-3615	41	36	.	.	PUNCT
fsr-3615	42	1	a	a	DET
fsr-3615	42	2	norwegian	norwegian	ADJ
fsr-3615	42	3	study	study	NOUN
fsr-3615	42	4	on	on	ADP
fsr-3615	42	5	immigrants	immigrant	NOUN
fsr-3615	42	6	found	find	VERB
fsr-3615	42	7	that	that	SCONJ
fsr-3615	42	8	experiencing	experience	VERB
fsr-3615	42	9	adverse	adverse	ADJ
fsr-3615	42	10	economic	economic	ADJ
fsr-3615	42	11	situations	situation	NOUN
fsr-3615	42	12	and	and	CCONJ
fsr-3615	42	13	experiencing	experience	VERB
fsr-3615	42	14	a	a	DET
fsr-3615	42	15	perceived	perceive	VERB
fsr-3615	42	16	lack	lack	NOUN
fsr-3615	42	17	of	of	ADP
fsr-3615	42	18	control	control	NOUN
fsr-3615	42	19	over	over	ADP
fsr-3615	42	20	their	their	PRON
fsr-3615	42	21	life	life	NOUN
fsr-3615	42	22	situations	situation	NOUN
fsr-3615	42	23	were	be	AUX
fsr-3615	42	24	associated	associate	VERB
fsr-3615	42	25	with	with	ADP
fsr-3615	42	26	adverse	adverse	ADJ
fsr-3615	42	27	psychological	psychological	ADJ
fsr-3615	42	28	outcomes	outcome	NOUN
fsr-3615	42	29	(	(	PUNCT
fsr-3615	42	30	dalgard	dalgard	PROPN
fsr-3615	42	31	et	et	PROPN
fsr-3615	42	32	al	al	PROPN
fsr-3615	42	33	.	.	PROPN
fsr-3615	42	34	,	,	PUNCT
fsr-3615	42	35	2006	2006	NUM
fsr-3615	42	36	)	)	PUNCT
fsr-3615	42	37	.	.	PUNCT
fsr-3615	43	1	additionally	additionally	ADV
fsr-3615	43	2	,	,	PUNCT
fsr-3615	43	3	zhang	zhang	PROPN
fsr-3615	43	4	(	(	PUNCT
fsr-3615	43	5	1989	1989	NUM
fsr-3615	43	6	)	)	PUNCT
fsr-3615	43	7	found	find	VERB
fsr-3615	43	8	that	that	SCONJ
fsr-3615	43	9	people	people	NOUN
fsr-3615	43	10	with	with	ADP
fsr-3615	43	11	fewer	few	ADJ
fsr-3615	43	12	financial	financial	ADJ
fsr-3615	43	13	resources	resource	NOUN
fsr-3615	43	14	were	be	AUX
fsr-3615	43	15	more	more	ADV
fsr-3615	43	16	likely	likely	ADJ
fsr-3615	43	17	to	to	PART
fsr-3615	43	18	develop	develop	VERB
fsr-3615	43	19	a	a	DET
fsr-3615	43	20	plan	plan	NOUN
fsr-3615	43	21	for	for	ADP
fsr-3615	43	22	using	use	VERB
fsr-3615	43	23	their	their	PRON
fsr-3615	43	24	available	available	ADJ
fsr-3615	43	25	financial	financial	ADJ
fsr-3615	43	26	resources	resource	NOUN
fsr-3615	43	27	.	.	PUNCT
fsr-3615	44	1	another	another	DET
fsr-3615	44	2	study	study	NOUN
fsr-3615	44	3	found	find	VERB
fsr-3615	44	4	that	that	SCONJ
fsr-3615	44	5	the	the	DET
fsr-3615	44	6	debt	debt	NOUN
fsr-3615	44	7	burden	burden	NOUN
fsr-3615	44	8	of	of	ADP
fsr-3615	44	9	college	college	NOUN
fsr-3615	44	10	students	student	NOUN
fsr-3615	44	11	was	be	AUX
fsr-3615	44	12	associated	associate	VERB
fsr-3615	44	13	with	with	ADP
fsr-3615	44	14	a	a	DET
fsr-3615	44	15	student	student	NOUN
fsr-3615	44	16	’s	’s	PART
fsr-3615	44	17	perception	perception	NOUN
fsr-3615	44	18	of	of	ADP
fsr-3615	44	19	lack	lack	NOUN
fsr-3615	44	20	of	of	ADP
fsr-3615	44	21	financial	financial	ADJ
fsr-3615	44	22	control	control	NOUN
fsr-3615	44	23	(	(	PUNCT
fsr-3615	44	24	dryden	dryden	PROPN
fsr-3615	44	25	et	et	PROPN
fsr-3615	44	26	al	al	PROPN
fsr-3615	44	27	.	.	PROPN
fsr-3615	44	28	,	,	PUNCT
fsr-3615	44	29	2023	2023	NUM
fsr-3615	44	30	)	)	PUNCT
fsr-3615	44	31	.	.	PUNCT
fsr-3615	45	1	similarly	similarly	ADV
fsr-3615	45	2	,	,	PUNCT
fsr-3615	45	3	goel	goel	PROPN
fsr-3615	45	4	and	and	CCONJ
fsr-3615	45	5	rastogi	rastogi	PROPN
fsr-3615	45	6	(	(	PUNCT
fsr-3615	45	7	2023	2023	NUM
fsr-3615	45	8	)	)	PUNCT
fsr-3615	45	9	found	find	VERB
fsr-3615	45	10	that	that	SCONJ
fsr-3615	45	11	individuals	individual	NOUN
fsr-3615	45	12	who	who	PRON
fsr-3615	45	13	exhibited	exhibit	VERB
fsr-3615	45	14	an	an	DET
fsr-3615	45	15	external	external	ADJ
fsr-3615	45	16	locus	locus	NOUN
fsr-3615	45	17	of	of	ADP
fsr-3615	45	18	control	control	NOUN
fsr-3615	45	19	,	,	PUNCT
fsr-3615	45	20	or	or	CCONJ
fsr-3615	45	21	perceived	perceive	VERB
fsr-3615	45	22	that	that	SCONJ
fsr-3615	45	23	they	they	PRON
fsr-3615	45	24	did	do	AUX
fsr-3615	45	25	not	not	PART
fsr-3615	45	26	have	have	VERB
fsr-3615	45	27	control	control	NOUN
fsr-3615	45	28	over	over	ADP
fsr-3615	45	29	their	their	PRON
fsr-3615	45	30	life	life	NOUN
fsr-3615	45	31	situations	situation	NOUN
fsr-3615	45	32	,	,	PUNCT
fsr-3615	45	33	were	be	AUX
fsr-3615	45	34	associated	associate	VERB
fsr-3615	45	35	with	with	ADP
fsr-3615	45	36	lower	low	ADJ
fsr-3615	45	37	creditworthiness	creditworthiness	NOUN
fsr-3615	45	38	.	.	PUNCT
fsr-3615	46	1	similarly	similarly	ADV
fsr-3615	46	2	,	,	PUNCT
fsr-3615	46	3	kamleithner	kamleithner	NOUN
fsr-3615	46	4	et	et	PROPN
fsr-3615	46	5	al	al	PROPN
fsr-3615	46	6	.	.	PROPN
fsr-3615	47	1	(	(	PUNCT
fsr-3615	47	2	2013	2013	NUM
fsr-3615	47	3	)	)	PUNCT
fsr-3615	47	4	found	find	VERB
fsr-3615	47	5	that	that	SCONJ
fsr-3615	47	6	over	over	ADP
fsr-3615	47	7	-	-	PUNCT
fsr-3615	47	8	indebtedness	indebtedness	NOUN
fsr-3615	47	9	was	be	AUX
fsr-3615	47	10	associated	associate	VERB
fsr-3615	47	11	with	with	ADP
fsr-3615	47	12	greater	great	ADJ
fsr-3615	47	13	financial	financial	ADJ
fsr-3615	47	14	stress	stress	NOUN
fsr-3615	47	15	,	,	PUNCT
fsr-3615	47	16	adverse	adverse	ADJ
fsr-3615	47	17	money	money	NOUN
fsr-3615	47	18	management	management	NOUN
fsr-3615	47	19	behaviors	behavior	NOUN
fsr-3615	47	20	,	,	PUNCT
fsr-3615	47	21	and	and	CCONJ
fsr-3615	47	22	a	a	DET
fsr-3615	47	23	lower	low	ADJ
fsr-3615	47	24	perceived	perceive	VERB
fsr-3615	47	25	control	control	NOUN
fsr-3615	47	26	over	over	ADP
fsr-3615	47	27	one	one	NUM
fsr-3615	47	28	’s	’s	PART
fsr-3615	47	29	financial	financial	ADJ
fsr-3615	47	30	situation	situation	NOUN
fsr-3615	47	31	.	.	PUNCT
fsr-3615	48	1	debt	debt	NOUN
fsr-3615	48	2	management	management	NOUN
fsr-3615	48	3	decisions	decision	NOUN
fsr-3615	48	4	during	during	ADP
fsr-3615	48	5	income	income	NOUN
fsr-3615	48	6	shocks	shock	NOUN
fsr-3615	48	7	income	income	NOUN
fsr-3615	48	8	shocks	shock	NOUN
fsr-3615	48	9	pose	pose	VERB
fsr-3615	48	10	significant	significant	ADJ
fsr-3615	48	11	challenges	challenge	NOUN
fsr-3615	48	12	to	to	ADP
fsr-3615	48	13	households	household	NOUN
fsr-3615	48	14	,	,	PUNCT
fsr-3615	48	15	often	often	ADV
fsr-3615	48	16	forcing	force	VERB
fsr-3615	48	17	them	they	PRON
fsr-3615	48	18	to	to	PART
fsr-3615	48	19	reassess	reassess	VERB
fsr-3615	48	20	and	and	CCONJ
fsr-3615	48	21	modify	modify	VERB
fsr-3615	48	22	how	how	SCONJ
fsr-3615	48	23	they	they	PRON
fsr-3615	48	24	manage	manage	VERB
fsr-3615	48	25	financial	financial	ADJ
fsr-3615	48	26	obligations	obligation	NOUN
fsr-3615	48	27	(	(	PUNCT
fsr-3615	48	28	colarieti	colarieti	NOUN
fsr-3615	48	29	et	et	PROPN
fsr-3615	48	30	al	al	PROPN
fsr-3615	48	31	.	.	PROPN
fsr-3615	48	32	,	,	PUNCT
fsr-3615	48	33	2024	2024	NUM
fsr-3615	48	34	)	)	PUNCT
fsr-3615	48	35	.	.	PUNCT
fsr-3615	49	1	while	while	SCONJ
fsr-3615	49	2	income	income	NOUN
fsr-3615	49	3	volatility	volatility	NOUN
fsr-3615	49	4	in	in	ADP
fsr-3615	49	5	the	the	DET
fsr-3615	49	6	u.s	u.s	PROPN
fsr-3615	49	7	.	.	PROPN
fsr-3615	49	8	has	have	AUX
fsr-3615	49	9	generally	generally	ADV
fsr-3615	49	10	trended	trend	VERB
fsr-3615	49	11	down	down	ADP
fsr-3615	49	12	in	in	ADP
fsr-3615	49	13	the	the	DET
fsr-3615	49	14	united	united	PROPN
fsr-3615	49	15	states	states	PROPN
fsr-3615	49	16	since	since	SCONJ
fsr-3615	49	17	the	the	DET
fsr-3615	49	18	late	late	ADJ
fsr-3615	49	19	1990s	1990	NOUN
fsr-3615	49	20	,	,	PUNCT
fsr-3615	49	21	it	it	PRON
fsr-3615	49	22	remains	remain	VERB
fsr-3615	49	23	that	that	SCONJ
fsr-3615	49	24	volatility	volatility	NOUN
fsr-3615	49	25	is	be	AUX
fsr-3615	49	26	negatively	negatively	ADV
fsr-3615	49	27	associated	associate	VERB
fsr-3615	49	28	with	with	ADP
fsr-3615	49	29	income	income	NOUN
fsr-3615	49	30	stability	stability	NOUN
fsr-3615	49	31	,	,	PUNCT
fsr-3615	49	32	except	except	SCONJ
fsr-3615	49	33	for	for	ADP
fsr-3615	49	34	those	those	PRON
fsr-3615	49	35	at	at	ADP
fsr-3615	49	36	the	the	DET
fsr-3615	49	37	top	top	NOUN
fsr-3615	49	38	of	of	ADP
fsr-3615	49	39	the	the	DET
fsr-3615	49	40	income	income	NOUN
fsr-3615	49	41	distribution	distribution	NOUN
fsr-3615	49	42	curve	curve	NOUN
fsr-3615	49	43	(	(	PUNCT
fsr-3615	49	44	guvenen	guvenen	NOUN
fsr-3615	49	45	et	et	PROPN
fsr-3615	49	46	al	al	PROPN
fsr-3615	49	47	.	.	PROPN
fsr-3615	49	48	,	,	PUNCT
fsr-3615	49	49	2022	2022	NUM
fsr-3615	49	50	)	)	PUNCT
fsr-3615	49	51	.	.	PUNCT
fsr-3615	50	1	additionally	additionally	ADV
fsr-3615	50	2	,	,	PUNCT
fsr-3615	50	3	despite	despite	SCONJ
fsr-3615	50	4	the	the	DET
fsr-3615	50	5	overall	overall	ADJ
fsr-3615	50	6	trend	trend	NOUN
fsr-3615	50	7	lower	lower	ADV
fsr-3615	50	8	,	,	PUNCT
fsr-3615	50	9	the	the	DET
fsr-3615	50	10	united	united	PROPN
fsr-3615	50	11	states	states	PROPN
fsr-3615	50	12	has	have	AUX
fsr-3615	50	13	faced	face	VERB
fsr-3615	50	14	three	three	NUM
fsr-3615	50	15	communal	communal	ADJ
fsr-3615	50	16	economic	economic	ADJ
fsr-3615	50	17	shocks	shock	NOUN
fsr-3615	50	18	in	in	ADP
fsr-3615	50	19	the	the	DET
fsr-3615	50	20	last	last	ADJ
fsr-3615	50	21	twenty	twenty	NUM
fsr-3615	50	22	-	-	PUNCT
fsr-3615	50	23	five	five	NUM
fsr-3615	50	24	years	year	NOUN
fsr-3615	50	25	:	:	PUNCT
fsr-3615	50	26	the	the	DET
fsr-3615	50	27	‘	'	PUNCT
fsr-3615	50	28	dot.com	dot.com	X
fsr-3615	50	29	’	'	PUNCT
fsr-3615	50	30	bust	bust	NOUN
fsr-3615	50	31	(	(	PUNCT
fsr-3615	50	32	2000	2000	NUM
fsr-3615	50	33	-	-	SYM
fsr-3615	50	34	2002	2002	NUM
fsr-3615	50	35	)	)	PUNCT
fsr-3615	50	36	,	,	PUNCT
fsr-3615	50	37	the	the	DET
fsr-3615	50	38	global	global	ADJ
fsr-3615	50	39	financial	financial	ADJ
fsr-3615	50	40	crisis	crisis	NOUN
fsr-3615	50	41	(	(	PUNCT
fsr-3615	50	42	2007	2007	NUM
fsr-3615	50	43	-	-	SYM
fsr-3615	50	44	2009	2009	NUM
fsr-3615	50	45	)	)	PUNCT
fsr-3615	50	46	,	,	PUNCT
fsr-3615	50	47	and	and	CCONJ
fsr-3615	50	48	the	the	DET
fsr-3615	50	49	covid-19	covid-19	PROPN
fsr-3615	50	50	pandemic	pandemic	ADJ
fsr-3615	50	51	(	(	PUNCT
fsr-3615	50	52	2020	2020	NUM
fsr-3615	50	53	-	-	SYM
fsr-3615	50	54	2021	2021	NUM
fsr-3615	50	55	)	)	PUNCT
fsr-3615	50	56	.	.	PUNCT
fsr-3615	51	1	income	income	NOUN
fsr-3615	51	2	shocks	shock	NOUN
fsr-3615	51	3	lead	lead	VERB
fsr-3615	51	4	to	to	ADP
fsr-3615	51	5	increased	increase	VERB
fsr-3615	51	6	income	income	NOUN
fsr-3615	51	7	volatility	volatility	NOUN
fsr-3615	51	8	,	,	PUNCT
fsr-3615	51	9	particularly	particularly	ADV
fsr-3615	51	10	during	during	ADP
fsr-3615	51	11	recessionary	recessionary	ADJ
fsr-3615	51	12	environments	environment	NOUN
fsr-3615	51	13	(	(	PUNCT
fsr-3615	51	14	guvenen	guvenen	NOUN
fsr-3615	51	15	et	et	PROPN
fsr-3615	51	16	al	al	PROPN
fsr-3615	51	17	.	.	PROPN
fsr-3615	51	18	,	,	PUNCT
fsr-3615	51	19	2022	2022	NUM
fsr-3615	51	20	;	;	PUNCT
fsr-3615	51	21	peetz	peetz	PROPN
fsr-3615	51	22	&	&	CCONJ
fsr-3615	51	23	robson	robson	PROPN
fsr-3615	51	24	,	,	PUNCT
fsr-3615	51	25	2021	2021	NUM
fsr-3615	51	26	)	)	PUNCT
fsr-3615	51	27	.	.	PUNCT
fsr-3615	52	1	broad	broad	ADJ
fsr-3615	52	2	societal	societal	ADJ
fsr-3615	52	3	trends	trend	NOUN
fsr-3615	52	4	,	,	PUNCT
fsr-3615	52	5	including	include	VERB
fsr-3615	52	6	the	the	DET
fsr-3615	52	7	emergence	emergence	NOUN
fsr-3615	52	8	of	of	ADP
fsr-3615	52	9	the	the	DET
fsr-3615	52	10	gig	gig	NOUN
fsr-3615	52	11	economy	economy	NOUN
fsr-3615	52	12	,	,	PUNCT
fsr-3615	52	13	a	a	DET
fsr-3615	52	14	population	population	NOUN
fsr-3615	52	15	that	that	PRON
fsr-3615	52	16	faces	face	VERB
fsr-3615	52	17	higher	high	ADJ
fsr-3615	52	18	undesired	undesired	ADJ
fsr-3615	52	19	income	income	NOUN
fsr-3615	52	20	volatility	volatility	NOUN
fsr-3615	52	21	and	and	CCONJ
fsr-3615	52	22	little	little	ADJ
fsr-3615	52	23	safety	safety	NOUN
fsr-3615	52	24	net	net	NOUN
fsr-3615	52	25	(	(	PUNCT
fsr-3615	52	26	peetz	peetz	PROPN
fsr-3615	52	27	&	&	CCONJ
fsr-3615	52	28	robson	robson	PROPN
fsr-3615	52	29	,	,	PUNCT
fsr-3615	52	30	2021	2021	NUM
fsr-3615	52	31	)	)	PUNCT
fsr-3615	52	32	,	,	PUNCT
fsr-3615	52	33	may	may	AUX
fsr-3615	52	34	serve	serve	VERB
fsr-3615	52	35	to	to	PART
fsr-3615	52	36	exaggerate	exaggerate	VERB
fsr-3615	52	37	these	these	DET
fsr-3615	52	38	trends	trend	NOUN
fsr-3615	52	39	in	in	ADP
fsr-3615	52	40	the	the	DET
fsr-3615	52	41	future	future	NOUN
fsr-3615	52	42	.	.	PUNCT
fsr-3615	53	1	households	household	NOUN
fsr-3615	53	2	respond	respond	VERB
fsr-3615	53	3	to	to	ADP
fsr-3615	53	4	income	income	NOUN
fsr-3615	53	5	shocks	shock	NOUN
fsr-3615	53	6	in	in	ADP
fsr-3615	53	7	various	various	ADJ
fsr-3615	53	8	ways	way	NOUN
fsr-3615	53	9	.	.	PUNCT
fsr-3615	54	1	some	some	DET
fsr-3615	54	2	households	household	NOUN
fsr-3615	54	3	may	may	AUX
fsr-3615	54	4	respond	respond	VERB
fsr-3615	54	5	by	by	ADP
fsr-3615	54	6	increasing	increase	VERB
fsr-3615	54	7	their	their	PRON
fsr-3615	54	8	usage	usage	NOUN
fsr-3615	54	9	of	of	ADP
fsr-3615	54	10	debt	debt	NOUN
fsr-3615	54	11	facilities	facility	NOUN
fsr-3615	54	12	or	or	CCONJ
fsr-3615	54	13	drawing	draw	VERB
fsr-3615	54	14	from	from	ADP
fsr-3615	54	15	savings	saving	NOUN
fsr-3615	54	16	,	,	PUNCT
fsr-3615	54	17	including	include	VERB
fsr-3615	54	18	those	those	DET
fsr-3615	54	19	savings	saving	NOUN
fsr-3615	54	20	earmarked	earmark	VERB
fsr-3615	54	21	for	for	ADP
fsr-3615	54	22	retirement	retirement	NOUN
fsr-3615	54	23	,	,	PUNCT
fsr-3615	54	24	to	to	PART
fsr-3615	54	25	supplant	supplant	VERB
fsr-3615	54	26	at	at	ADP
fsr-3615	54	27	least	least	ADJ
fsr-3615	54	28	a	a	DET
fsr-3615	54	29	portion	portion	NOUN
fsr-3615	54	30	of	of	ADP
fsr-3615	54	31	the	the	DET
fsr-3615	54	32	income	income	NOUN
fsr-3615	54	33	that	that	PRON
fsr-3615	54	34	was	be	AUX
fsr-3615	54	35	lost	lose	VERB
fsr-3615	54	36	(	(	PUNCT
fsr-3615	54	37	colarieti	colarieti	NOUN
fsr-3615	54	38	et	et	PROPN
fsr-3615	54	39	al	al	PROPN
fsr-3615	54	40	.	.	PROPN
fsr-3615	54	41	,	,	PUNCT
fsr-3615	54	42	2024	2024	NUM
fsr-3615	54	43	;	;	PUNCT
fsr-3615	54	44	ghilarducci	ghilarducci	PROPN
fsr-3615	54	45	et	et	PROPN
fsr-3615	54	46	al	al	PROPN
fsr-3615	54	47	.	.	PROPN
fsr-3615	54	48	,	,	PUNCT
fsr-3615	54	49	2019	2019	NUM
fsr-3615	54	50	)	)	PUNCT
fsr-3615	54	51	.	.	PUNCT
fsr-3615	55	1	some	some	DET
fsr-3615	55	2	households	household	NOUN
fsr-3615	55	3	are	be	AUX
fsr-3615	55	4	more	more	ADV
fsr-3615	55	5	likely	likely	ADJ
fsr-3615	55	6	to	to	PART
fsr-3615	55	7	use	use	VERB
fsr-3615	55	8	available	available	ADJ
fsr-3615	55	9	resources	resource	NOUN
fsr-3615	55	10	,	,	PUNCT
fsr-3615	55	11	such	such	ADJ
fsr-3615	55	12	as	as	ADP
fsr-3615	55	13	stimulus	stimulus	ADJ
fsr-3615	55	14	checks	check	NOUN
fsr-3615	55	15	,	,	PUNCT
fsr-3615	55	16	to	to	PART
fsr-3615	55	17	manage	manage	VERB
fsr-3615	55	18	debt	debt	NOUN
fsr-3615	55	19	when	when	SCONJ
fsr-3615	55	20	they	they	PRON
fsr-3615	55	21	feel	feel	VERB
fsr-3615	55	22	a	a	DET
fsr-3615	55	23	loss	loss	NOUN
fsr-3615	55	24	of	of	ADP
fsr-3615	55	25	control	control	NOUN
fsr-3615	55	26	over	over	ADP
fsr-3615	55	27	their	their	PRON
fsr-3615	55	28	financial	financial	ADJ
fsr-3615	55	29	situation	situation	NOUN
fsr-3615	55	30	(	(	PUNCT
fsr-3615	55	31	coibion	coibion	NOUN
fsr-3615	55	32	et	et	PROPN
fsr-3615	55	33	al	al	PROPN
fsr-3615	55	34	.	.	PROPN
fsr-3615	55	35	,	,	PUNCT
fsr-3615	55	36	2020	2020	NUM
fsr-3615	55	37	)	)	PUNCT
fsr-3615	55	38	.	.	PUNCT
fsr-3615	56	1	others	other	NOUN
fsr-3615	56	2	may	may	AUX
fsr-3615	56	3	change	change	VERB
fsr-3615	56	4	spending	spending	NOUN
fsr-3615	56	5	habits	habit	NOUN
fsr-3615	56	6	to	to	PART
fsr-3615	56	7	control	control	VERB
fsr-3615	56	8	the	the	DET
fsr-3615	56	9	cost	cost	NOUN
fsr-3615	56	10	side	side	NOUN
fsr-3615	56	11	of	of	ADP
fsr-3615	56	12	the	the	DET
fsr-3615	56	13	ledger	ledger	NOUN
fsr-3615	56	14	(	(	PUNCT
fsr-3615	56	15	colarieti	colarieti	VERB
fsr-3615	56	16	et	et	PROPN
fsr-3615	56	17	al	al	PROPN
fsr-3615	56	18	.	.	PROPN
fsr-3615	56	19	,	,	PUNCT
fsr-3615	56	20	2024	2024	NUM
fsr-3615	56	21	)	)	PUNCT
fsr-3615	56	22	,	,	PUNCT
fsr-3615	56	23	with	with	ADP
fsr-3615	56	24	more	more	ADV
fsr-3615	56	25	stringent	stringent	ADJ
fsr-3615	56	26	cost	cost	NOUN
fsr-3615	56	27	controls	control	NOUN
fsr-3615	56	28	put	put	VERB
fsr-3615	56	29	in	in	ADP
fsr-3615	56	30	place	place	NOUN
fsr-3615	56	31	by	by	ADP
fsr-3615	56	32	those	those	PRON
fsr-3615	56	33	with	with	ADP
fsr-3615	56	34	higher	high	ADJ
fsr-3615	56	35	debt	debt	NOUN
fsr-3615	56	36	levels	level	NOUN
fsr-3615	56	37	(	(	PUNCT
fsr-3615	56	38	baker	baker	NOUN
fsr-3615	56	39	,	,	PUNCT
fsr-3615	56	40	2015	2015	NUM
fsr-3615	56	41	)	)	PUNCT
fsr-3615	56	42	.	.	PUNCT
fsr-3615	57	1	while	while	SCONJ
fsr-3615	57	2	colarieti	colarieti	NOUN
fsr-3615	57	3	et	et	PROPN
fsr-3615	57	4	al	al	PROPN
fsr-3615	57	5	.	.	PROPN
fsr-3615	58	1	(	(	PUNCT
fsr-3615	58	2	2024	2024	NUM
fsr-3615	58	3	)	)	PUNCT
fsr-3615	58	4	ascribe	ascribe	VERB
fsr-3615	58	5	behavioral	behavioral	ADJ
fsr-3615	58	6	components	component	NOUN
fsr-3615	58	7	to	to	ADP
fsr-3615	58	8	this	this	DET
fsr-3615	58	9	cohort	cohort	NOUN
fsr-3615	58	10	,	,	PUNCT
fsr-3615	58	11	baker(2017	baker(2017	NOUN
fsr-3615	58	12	)	)	PUNCT
fsr-3615	58	13	research	research	NOUN
fsr-3615	58	14	on	on	ADP
fsr-3615	58	15	the	the	DET
fsr-3615	58	16	2013	2013	NUM
fsr-3615	58	17	united	united	PROPN
fsr-3615	58	18	states	states	PROPN
fsr-3615	58	19	federal	federal	ADJ
fsr-3615	58	20	government	government	NOUN
fsr-3615	58	21	shutdown	shutdown	NOUN
fsr-3615	58	22	suggests	suggest	VERB
fsr-3615	58	23	that	that	SCONJ
fsr-3615	58	24	a	a	DET
fsr-3615	58	25	household	household	NOUN
fsr-3615	58	26	’s	’s	PART
fsr-3615	58	27	decision	decision	NOUN
fsr-3615	58	28	to	to	PART
fsr-3615	58	29	reduce	reduce	VERB
fsr-3615	58	30	spending	spending	NOUN
fsr-3615	58	31	may	may	AUX
fsr-3615	58	32	simply	simply	ADV
fsr-3615	58	33	be	be	AUX
fsr-3615	58	34	a	a	DET
fsr-3615	58	35	function	function	NOUN
fsr-3615	58	36	of	of	ADP
fsr-3615	58	37	their	their	PRON
fsr-3615	58	38	access	access	NOUN
fsr-3615	58	39	to	to	ADP
fsr-3615	58	40	debt	debt	NOUN
fsr-3615	58	41	facilities	facility	NOUN
fsr-3615	58	42	.	.	PUNCT
fsr-3615	59	1	(	(	PUNCT
fsr-3615	59	2	colarieti	colarieti	VERB
fsr-3615	59	3	et	et	PROPN
fsr-3615	59	4	al	al	PROPN
fsr-3615	59	5	.	.	PROPN
fsr-3615	59	6	,	,	PUNCT
fsr-3615	59	7	2024	2024	NUM
fsr-3615	59	8	;	;	PUNCT
fsr-3615	59	9	kamakura	kamakura	PROPN
fsr-3615	59	10	&	&	CCONJ
fsr-3615	59	11	du	du	PROPN
fsr-3615	59	12	,	,	PUNCT
fsr-3615	59	13	2012	2012	NUM
fsr-3615	59	14	)	)	PUNCT
fsr-3615	59	15	.	.	PUNCT
fsr-3615	60	1	financial	financial	ADJ
fsr-3615	60	2	literacy	literacy	NOUN
fsr-3615	60	3	may	may	AUX
fsr-3615	60	4	be	be	AUX
fsr-3615	60	5	a	a	DET
fsr-3615	60	6	mitigating	mitigate	VERB
fsr-3615	60	7	factor	factor	NOUN
fsr-3615	60	8	in	in	ADP
fsr-3615	60	9	how	how	SCONJ
fsr-3615	60	10	or	or	CCONJ
fsr-3615	60	11	whether	whether	SCONJ
fsr-3615	60	12	one	one	PRON
fsr-3615	60	13	uses	use	VERB
fsr-3615	60	14	debt	debt	NOUN
fsr-3615	60	15	during	during	ADP
fsr-3615	60	16	times	time	NOUN
fsr-3615	60	17	of	of	ADP
fsr-3615	60	18	financial	financial	ADJ
fsr-3615	60	19	uncertainty	uncertainty	NOUN
fsr-3615	60	20	(	(	PUNCT
fsr-3615	60	21	lusardi	lusardi	PROPN
fsr-3615	60	22	&	&	CCONJ
fsr-3615	60	23	mitchell	mitchell	PROPN
fsr-3615	60	24	,	,	PUNCT
fsr-3615	60	25	2013).the	2013).the	DET
fsr-3615	60	26	diversity	diversity	NOUN
fsr-3615	60	27	in	in	ADP
fsr-3615	60	28	responses	response	NOUN
fsr-3615	60	29	to	to	ADP
fsr-3615	60	30	financial	financial	ADJ
fsr-3615	60	31	shocks	shock	NOUN
fsr-3615	60	32	underscores	underscore	VERB
fsr-3615	60	33	the	the	DET
fsr-3615	60	34	importance	importance	NOUN
fsr-3615	60	35	of	of	ADP
fsr-3615	60	36	tailored	tailor	VERB
fsr-3615	60	37	financial	financial	ADJ
fsr-3615	60	38	education	education	NOUN
fsr-3615	60	39	and	and	CCONJ
fsr-3615	60	40	interventions	intervention	NOUN
fsr-3615	60	41	that	that	PRON
fsr-3615	60	42	enhance	enhance	VERB
fsr-3615	60	43	financial	financial	ADJ
fsr-3615	60	44	resilience	resilience	NOUN
fsr-3615	60	45	.	.	PUNCT
fsr-3615	61	1	by	by	ADP
fsr-3615	61	2	understanding	understand	VERB
fsr-3615	61	3	the	the	DET
fsr-3615	61	4	nuanced	nuanced	ADJ
fsr-3615	61	5	behaviors	behavior	NOUN
fsr-3615	61	6	that	that	PRON
fsr-3615	61	7	characterize	characterize	VERB
fsr-3615	61	8	different	different	ADJ
fsr-3615	61	9	demographic	demographic	ADJ
fsr-3615	61	10	groups	group	NOUN
fsr-3615	61	11	under	under	ADP
fsr-3615	61	12	financial	financial	ADJ
fsr-3615	61	13	services	service	NOUN
fsr-3615	61	14	review	review	NOUN
fsr-3615	61	15	,	,	PUNCT
fsr-3615	61	16	33(1	33(1	NUM
fsr-3615	61	17	)	)	PUNCT
fsr-3615	61	18	4	4	NUM
fsr-3615	61	19	financial	financial	ADJ
fsr-3615	61	20	stress	stress	NOUN
fsr-3615	61	21	,	,	PUNCT
fsr-3615	61	22	policymakers	policymaker	NOUN
fsr-3615	61	23	and	and	CCONJ
fsr-3615	61	24	financial	financial	ADJ
fsr-3615	61	25	advisors	advisor	NOUN
fsr-3615	61	26	can	can	AUX
fsr-3615	61	27	better	well	ADV
fsr-3615	61	28	support	support	VERB
fsr-3615	61	29	households	household	NOUN
fsr-3615	61	30	in	in	ADP
fsr-3615	61	31	strengthening	strengthen	VERB
fsr-3615	61	32	their	their	PRON
fsr-3615	61	33	financial	financial	ADJ
fsr-3615	61	34	positions	position	NOUN
fsr-3615	61	35	against	against	ADP
fsr-3615	61	36	future	future	ADJ
fsr-3615	61	37	economic	economic	ADJ
fsr-3615	61	38	uncertainties	uncertainty	NOUN
fsr-3615	61	39	.	.	PUNCT
fsr-3615	62	1	households	household	NOUN
fsr-3615	62	2	debt	debt	NOUN
fsr-3615	62	3	during	during	ADP
fsr-3615	62	4	covid-19	covid-19	PROPN
fsr-3615	62	5	pandemic	pandemic	ADJ
fsr-3615	62	6	consumer	consumer	NOUN
fsr-3615	62	7	over	over	ADP
fsr-3615	62	8	-	-	PUNCT
fsr-3615	62	9	indebtedness	indebtedness	NOUN
fsr-3615	62	10	has	have	AUX
fsr-3615	62	11	been	be	AUX
fsr-3615	62	12	a	a	DET
fsr-3615	62	13	longstanding	longstanding	ADJ
fsr-3615	62	14	issue	issue	NOUN
fsr-3615	62	15	in	in	ADP
fsr-3615	62	16	the	the	DET
fsr-3615	62	17	u.s	u.s	PROPN
fsr-3615	62	18	.	.	PROPN
fsr-3615	62	19	,	,	PUNCT
fsr-3615	62	20	and	and	CCONJ
fsr-3615	62	21	debt	debt	NOUN
fsr-3615	62	22	has	have	AUX
fsr-3615	62	23	now	now	ADV
fsr-3615	62	24	“	"	PUNCT
fsr-3615	62	25	become	become	VERB
fsr-3615	62	26	a	a	DET
fsr-3615	62	27	persistent	persistent	ADJ
fsr-3615	62	28	feature	feature	NOUN
fsr-3615	62	29	of	of	ADP
fsr-3615	62	30	household	household	NOUN
fsr-3615	62	31	balance	balance	NOUN
fsr-3615	62	32	sheets	sheet	NOUN
fsr-3615	62	33	at	at	ADP
fsr-3615	62	34	every	every	DET
fsr-3615	62	35	stage	stage	NOUN
fsr-3615	62	36	of	of	ADP
fsr-3615	62	37	life	life	NOUN
fsr-3615	62	38	"	"	PUNCT
fsr-3615	62	39	(	(	PUNCT
fsr-3615	62	40	lusardi	lusardi	PROPN
fsr-3615	62	41	&	&	CCONJ
fsr-3615	62	42	tufano	tufano	ADJ
fsr-3615	62	43	,	,	PUNCT
fsr-3615	62	44	2015	2015	NUM
fsr-3615	62	45	,	,	PUNCT
fsr-3615	62	46	p.	p.	NOUN
fsr-3615	62	47	360	360	NUM
fsr-3615	62	48	)	)	PUNCT
fsr-3615	62	49	.	.	PUNCT
fsr-3615	63	1	the	the	DET
fsr-3615	63	2	issue	issue	NOUN
fsr-3615	63	3	grew	grow	VERB
fsr-3615	63	4	during	during	ADP
fsr-3615	63	5	the	the	DET
fsr-3615	63	6	covid-19	covid-19	PROPN
fsr-3615	63	7	pandemic	pandemic	NOUN
fsr-3615	63	8	when	when	SCONJ
fsr-3615	63	9	households	household	NOUN
fsr-3615	63	10	faced	face	VERB
fsr-3615	63	11	severe	severe	ADJ
fsr-3615	63	12	and	and	CCONJ
fsr-3615	63	13	unexpected	unexpected	ADJ
fsr-3615	63	14	negative	negative	ADJ
fsr-3615	63	15	shocks	shock	NOUN
fsr-3615	63	16	to	to	ADP
fsr-3615	63	17	household	household	NOUN
fsr-3615	63	18	income	income	NOUN
fsr-3615	63	19	and	and	CCONJ
fsr-3615	63	20	expenses	expense	NOUN
fsr-3615	63	21	.	.	PUNCT
fsr-3615	64	1	overindebtedness	overindebtedness	NOUN
fsr-3615	64	2	is	be	AUX
fsr-3615	64	3	a	a	DET
fsr-3615	64	4	vital	vital	ADJ
fsr-3615	64	5	social	social	ADJ
fsr-3615	64	6	issue	issue	NOUN
fsr-3615	64	7	that	that	PRON
fsr-3615	64	8	can	can	AUX
fsr-3615	64	9	result	result	VERB
fsr-3615	64	10	in	in	ADP
fsr-3615	64	11	extreme	extreme	ADJ
fsr-3615	64	12	financial	financial	ADJ
fsr-3615	64	13	difficulties	difficulty	NOUN
fsr-3615	64	14	for	for	ADP
fsr-3615	64	15	the	the	DET
fsr-3615	64	16	household	household	NOUN
fsr-3615	64	17	,	,	PUNCT
fsr-3615	64	18	including	include	VERB
fsr-3615	64	19	bankruptcy	bankruptcy	NOUN
fsr-3615	64	20	,	,	PUNCT
fsr-3615	64	21	foreclosure	foreclosure	NOUN
fsr-3615	64	22	,	,	PUNCT
fsr-3615	64	23	being	be	AUX
fsr-3615	64	24	denied	deny	VERB
fsr-3615	64	25	credit	credit	NOUN
fsr-3615	64	26	,	,	PUNCT
fsr-3615	64	27	and	and	CCONJ
fsr-3615	64	28	future	future	ADJ
fsr-3615	64	29	employment	employment	NOUN
fsr-3615	64	30	(	(	PUNCT
fsr-3615	64	31	bricker	bricker	NOUN
fsr-3615	64	32	&	&	CCONJ
fsr-3615	64	33	thompson	thompson	PROPN
fsr-3615	64	34	,	,	PUNCT
fsr-3615	64	35	2016	2016	NUM
fsr-3615	64	36	)	)	PUNCT
fsr-3615	64	37	.	.	PUNCT
fsr-3615	65	1	when	when	SCONJ
fsr-3615	65	2	economic	economic	ADJ
fsr-3615	65	3	conditions	condition	NOUN
fsr-3615	65	4	deteriorate	deteriorate	VERB
fsr-3615	65	5	,	,	PUNCT
fsr-3615	65	6	like	like	SCONJ
fsr-3615	65	7	they	they	PRON
fsr-3615	65	8	did	do	VERB
fsr-3615	65	9	during	during	ADP
fsr-3615	65	10	the	the	DET
fsr-3615	65	11	great	great	ADJ
fsr-3615	65	12	recession	recession	NOUN
fsr-3615	65	13	(	(	PUNCT
fsr-3615	65	14	the	the	DET
fsr-3615	65	15	period	period	NOUN
fsr-3615	65	16	2007	2007	NUM
fsr-3615	65	17	–	–	PUNCT
fsr-3615	65	18	2009	2009	NUM
fsr-3615	65	19	)	)	PUNCT
fsr-3615	65	20	,	,	PUNCT
fsr-3615	65	21	decreased	decrease	VERB
fsr-3615	65	22	employment	employment	NOUN
fsr-3615	65	23	opportunities	opportunity	NOUN
fsr-3615	65	24	and	and	CCONJ
fsr-3615	65	25	incomes	income	NOUN
fsr-3615	65	26	can	can	AUX
fsr-3615	65	27	strain	strain	VERB
fsr-3615	65	28	family	family	NOUN
fsr-3615	65	29	finances	finance	NOUN
fsr-3615	65	30	and	and	CCONJ
fsr-3615	65	31	lead	lead	VERB
fsr-3615	65	32	to	to	ADP
fsr-3615	65	33	a	a	DET
fsr-3615	65	34	rise	rise	NOUN
fsr-3615	65	35	in	in	ADP
fsr-3615	65	36	missed	miss	VERB
fsr-3615	65	37	debt	debt	NOUN
fsr-3615	65	38	payments	payment	NOUN
fsr-3615	65	39	and	and	CCONJ
fsr-3615	65	40	defaults	default	NOUN
fsr-3615	65	41	(	(	PUNCT
fsr-3615	65	42	ouyang	ouyang	PROPN
fsr-3615	65	43	&	&	CCONJ
fsr-3615	65	44	hanna	hanna	PROPN
fsr-3615	65	45	,	,	PUNCT
fsr-3615	65	46	2022	2022	NUM
fsr-3615	65	47	)	)	PUNCT
fsr-3615	65	48	.	.	PUNCT
fsr-3615	66	1	however	however	ADV
fsr-3615	66	2	,	,	PUNCT
fsr-3615	66	3	researchers	researcher	NOUN
fsr-3615	66	4	found	find	VERB
fsr-3615	66	5	that	that	SCONJ
fsr-3615	66	6	delinquency	delinquency	NOUN
fsr-3615	66	7	rates	rate	NOUN
fsr-3615	66	8	fell	fall	VERB
fsr-3615	66	9	during	during	ADP
fsr-3615	66	10	the	the	DET
fsr-3615	66	11	covid-19	covid-19	PROPN
fsr-3615	66	12	pandemic	pandemic	NOUN
fsr-3615	66	13	despite	despite	SCONJ
fsr-3615	66	14	a	a	DET
fsr-3615	66	15	historic	historic	ADJ
fsr-3615	66	16	rise	rise	NOUN
fsr-3615	66	17	in	in	ADP
fsr-3615	66	18	unemployment	unemployment	NOUN
fsr-3615	66	19	(	(	PUNCT
fsr-3615	66	20	dettling	dettling	NOUN
fsr-3615	66	21	&	&	CCONJ
fsr-3615	66	22	lambie	lambie	PROPN
fsr-3615	66	23	-	-	PUNCT
fsr-3615	66	24	hanson	hanson	PROPN
fsr-3615	66	25	,	,	PUNCT
fsr-3615	66	26	2021	2021	NUM
fsr-3615	66	27	)	)	PUNCT
fsr-3615	66	28	.	.	PUNCT
fsr-3615	67	1	pandemic	pandemic	ADJ
fsr-3615	67	2	-	-	PUNCT
fsr-3615	67	3	related	relate	VERB
fsr-3615	67	4	stimulus	stimulus	ADJ
fsr-3615	67	5	checks	check	NOUN
fsr-3615	67	6	received	receive	VERB
fsr-3615	67	7	from	from	ADP
fsr-3615	67	8	the	the	DET
fsr-3615	67	9	federal	federal	ADJ
fsr-3615	67	10	government	government	NOUN
fsr-3615	67	11	in	in	ADP
fsr-3615	67	12	2021	2021	NUM
fsr-3615	67	13	may	may	AUX
fsr-3615	67	14	have	have	AUX
fsr-3615	67	15	provided	provide	VERB
fsr-3615	67	16	cushions	cushion	NOUN
fsr-3615	67	17	that	that	PRON
fsr-3615	67	18	households	household	NOUN
fsr-3615	67	19	used	use	VERB
fsr-3615	67	20	to	to	PART
fsr-3615	67	21	make	make	VERB
fsr-3615	67	22	debt	debt	NOUN
fsr-3615	67	23	payments	payment	NOUN
fsr-3615	67	24	.	.	PUNCT
fsr-3615	68	1	stimulus	stimulus	ADJ
fsr-3615	68	2	use	use	VERB
fsr-3615	68	3	economic	economic	ADJ
fsr-3615	68	4	impact	impact	NOUN
fsr-3615	68	5	payments	payment	NOUN
fsr-3615	68	6	(	(	PUNCT
fsr-3615	68	7	eip	eip	NOUN
fsr-3615	68	8	)	)	PUNCT
fsr-3615	68	9	were	be	AUX
fsr-3615	68	10	provided	provide	VERB
fsr-3615	68	11	during	during	ADP
fsr-3615	68	12	the	the	DET
fsr-3615	68	13	covid-19	covid-19	PROPN
fsr-3615	68	14	pandemic	pandemic	NOUN
fsr-3615	68	15	to	to	PART
fsr-3615	68	16	assist	assist	VERB
fsr-3615	68	17	u.s	u.s	PROPN
fsr-3615	68	18	.	.	PROPN
fsr-3615	68	19	households	household	NOUN
fsr-3615	68	20	with	with	ADP
fsr-3615	68	21	their	their	PRON
fsr-3615	68	22	financial	financial	ADJ
fsr-3615	68	23	needs	need	NOUN
fsr-3615	68	24	and	and	CCONJ
fsr-3615	68	25	stimulate	stimulate	VERB
fsr-3615	68	26	the	the	DET
fsr-3615	68	27	economy	economy	NOUN
fsr-3615	68	28	(	(	PUNCT
fsr-3615	68	29	garrison	garrison	NOUN
fsr-3615	68	30	et	et	PROPN
fsr-3615	68	31	al	al	PROPN
fsr-3615	68	32	.	.	PROPN
fsr-3615	68	33	,	,	PUNCT
fsr-3615	68	34	2022	2022	NUM
fsr-3615	68	35	)	)	PUNCT
fsr-3615	68	36	.	.	PUNCT
fsr-3615	69	1	according	accord	VERB
fsr-3615	69	2	to	to	ADP
fsr-3615	69	3	the	the	DET
fsr-3615	69	4	household	household	NOUN
fsr-3615	69	5	pulse	pulse	NOUN
fsr-3615	69	6	survey	survey	NOUN
fsr-3615	69	7	in	in	ADP
fsr-3615	69	8	june	june	PROPN
fsr-3615	69	9	2020	2020	NUM
fsr-3615	69	10	,	,	PUNCT
fsr-3615	69	11	most	most	ADJ
fsr-3615	69	12	households	household	NOUN
fsr-3615	69	13	that	that	PRON
fsr-3615	69	14	received	receive	VERB
fsr-3615	69	15	or	or	CCONJ
fsr-3615	69	16	expected	expect	VERB
fsr-3615	69	17	to	to	PART
fsr-3615	69	18	receive	receive	VERB
fsr-3615	69	19	a	a	DET
fsr-3615	69	20	stimulus	stimulus	ADJ
fsr-3615	69	21	payment	payment	NOUN
fsr-3615	69	22	planned	plan	VERB
fsr-3615	69	23	to	to	PART
fsr-3615	69	24	use	use	VERB
fsr-3615	69	25	the	the	DET
fsr-3615	69	26	payment	payment	NOUN
fsr-3615	69	27	for	for	ADP
fsr-3615	69	28	expenses	expense	NOUN
fsr-3615	69	29	,	,	PUNCT
fsr-3615	69	30	while	while	SCONJ
fsr-3615	69	31	less	less	ADJ
fsr-3615	69	32	than	than	ADP
fsr-3615	69	33	a	a	DET
fsr-3615	69	34	quarter	quarter	NOUN
fsr-3615	69	35	of	of	ADP
fsr-3615	69	36	households	household	NOUN
fsr-3615	69	37	planned	plan	VERB
fsr-3615	69	38	to	to	PART
fsr-3615	69	39	use	use	VERB
fsr-3615	69	40	stimulus	stimulus	ADJ
fsr-3615	69	41	checks	check	NOUN
fsr-3615	69	42	to	to	PART
fsr-3615	69	43	pay	pay	VERB
fsr-3615	69	44	down	down	ADP
fsr-3615	69	45	debt	debt	NOUN
fsr-3615	69	46	(	(	PUNCT
fsr-3615	69	47	garner	garner	NOUN
fsr-3615	69	48	et	et	PROPN
fsr-3615	69	49	al	al	PROPN
fsr-3615	69	50	.	.	PROPN
fsr-3615	69	51	,	,	PUNCT
fsr-3615	69	52	2020	2020	NUM
fsr-3615	69	53	)	)	PUNCT
fsr-3615	69	54	.	.	PUNCT
fsr-3615	70	1	the	the	DET
fsr-3615	70	2	federal	federal	PROPN
fsr-3615	70	3	reserve	reserve	PROPN
fsr-3615	70	4	bank	bank	PROPN
fsr-3615	70	5	of	of	ADP
fsr-3615	70	6	new	new	PROPN
fsr-3615	70	7	york	york	PROPN
fsr-3615	70	8	reported	report	VERB
fsr-3615	70	9	that	that	SCONJ
fsr-3615	70	10	about	about	ADV
fsr-3615	70	11	34.5	34.5	NUM
fsr-3615	70	12	%	%	NOUN
fsr-3615	70	13	of	of	ADP
fsr-3615	70	14	households	household	NOUN
fsr-3615	70	15	used	use	VERB
fsr-3615	70	16	their	their	PRON
fsr-3615	70	17	first	first	ADJ
fsr-3615	70	18	round	round	NOUN
fsr-3615	70	19	of	of	ADP
fsr-3615	70	20	eip	eip	PROPN
fsr-3615	70	21	stimulus	stimulus	PROPN
fsr-3615	70	22	payments	payment	NOUN
fsr-3615	70	23	on	on	ADP
fsr-3615	70	24	debt	debt	NOUN
fsr-3615	70	25	payments	payment	NOUN
fsr-3615	70	26	,	,	PUNCT
fsr-3615	70	27	37.4	37.4	NUM
fsr-3615	70	28	%	%	NOUN
fsr-3615	70	29	of	of	ADP
fsr-3615	70	30	households	household	NOUN
fsr-3615	70	31	used	use	VERB
fsr-3615	70	32	their	their	PRON
fsr-3615	70	33	second	second	ADJ
fsr-3615	70	34	round	round	NOUN
fsr-3615	70	35	of	of	ADP
fsr-3615	70	36	stimulus	stimulus	ADJ
fsr-3615	70	37	payments	payment	NOUN
fsr-3615	70	38	on	on	ADP
fsr-3615	70	39	debt	debt	NOUN
fsr-3615	70	40	payments	payment	NOUN
fsr-3615	70	41	,	,	PUNCT
fsr-3615	70	42	and	and	CCONJ
fsr-3615	70	43	33.7	33.7	NUM
fsr-3615	70	44	%	%	NOUN
fsr-3615	70	45	of	of	ADP
fsr-3615	70	46	households	household	NOUN
fsr-3615	70	47	used	use	VERB
fsr-3615	70	48	their	their	PRON
fsr-3615	70	49	third	third	ADJ
fsr-3615	70	50	round	round	NOUN
fsr-3615	70	51	of	of	ADP
fsr-3615	70	52	stimulus	stimulus	ADJ
fsr-3615	70	53	payments	payment	NOUN
fsr-3615	70	54	on	on	ADP
fsr-3615	70	55	debt	debt	NOUN
fsr-3615	70	56	payments	payment	NOUN
fsr-3615	70	57	(	(	PUNCT
fsr-3615	70	58	armantier	armantier	ADP
fsr-3615	70	59	et	et	PROPN
fsr-3615	70	60	al	al	PROPN
fsr-3615	70	61	.	.	PROPN
fsr-3615	70	62	,	,	PUNCT
fsr-3615	70	63	2022	2022	NUM
fsr-3615	70	64	)	)	PUNCT
fsr-3615	70	65	.	.	PUNCT
fsr-3615	71	1	further	far	ADV
fsr-3615	71	2	,	,	PUNCT
fsr-3615	71	3	armantier	armantier	PROPN
fsr-3615	71	4	et	et	PROPN
fsr-3615	71	5	al	al	PROPN
fsr-3615	71	6	.	.	PROPN
fsr-3615	71	7	reported	report	VERB
fsr-3615	71	8	that	that	SCONJ
fsr-3615	71	9	households	household	NOUN
fsr-3615	71	10	with	with	ADP
fsr-3615	71	11	lower	low	ADJ
fsr-3615	71	12	than	than	ADP
fsr-3615	71	13	college	college	NOUN
fsr-3615	71	14	degrees	degree	NOUN
fsr-3615	71	15	,	,	PUNCT
fsr-3615	71	16	from	from	ADP
fsr-3615	71	17	lower	low	ADJ
fsr-3615	71	18	income	income	NOUN
fsr-3615	71	19	thresholds	threshold	NOUN
fsr-3615	71	20	,	,	PUNCT
fsr-3615	71	21	and	and	CCONJ
fsr-3615	71	22	that	that	PRON
fsr-3615	71	23	had	have	VERB
fsr-3615	71	24	negative	negative	ADJ
fsr-3615	71	25	shocks	shock	NOUN
fsr-3615	71	26	on	on	ADP
fsr-3615	71	27	income	income	NOUN
fsr-3615	71	28	and/or	and/or	CCONJ
fsr-3615	71	29	employment	employment	NOUN
fsr-3615	71	30	during	during	ADP
fsr-3615	71	31	the	the	DET
fsr-3615	71	32	pandemic	pandemic	ADJ
fsr-3615	71	33	,	,	PUNCT
fsr-3615	71	34	utilized	utilize	VERB
fsr-3615	71	35	stimulus	stimulus	NOUN
fsr-3615	71	36	checks	check	NOUN
fsr-3615	71	37	for	for	ADP
fsr-3615	71	38	debt	debt	NOUN
fsr-3615	71	39	payments	payment	NOUN
fsr-3615	71	40	(	(	PUNCT
fsr-3615	71	41	2020	2020	NUM
fsr-3615	71	42	)	)	PUNCT
fsr-3615	71	43	.	.	PUNCT
fsr-3615	72	1	among	among	ADP
fsr-3615	72	2	pre	pre	NOUN
fsr-3615	72	3	-	-	NOUN
fsr-3615	72	4	retirees	retiree	NOUN
fsr-3615	72	5	(	(	PUNCT
fsr-3615	72	6	ages	age	NOUN
fsr-3615	72	7	50	50	NUM
fsr-3615	72	8	to	to	ADP
fsr-3615	72	9	65	65	NUM
fsr-3615	72	10	)	)	PUNCT
fsr-3615	72	11	,	,	PUNCT
fsr-3615	72	12	more	more	ADJ
fsr-3615	72	13	than	than	ADP
fsr-3615	72	14	45	45	NUM
fsr-3615	72	15	%	%	NOUN
fsr-3615	72	16	of	of	ADP
fsr-3615	72	17	households	household	NOUN
fsr-3615	72	18	reported	report	VERB
fsr-3615	72	19	using	use	VERB
fsr-3615	72	20	stimulus	stimulus	ADJ
fsr-3615	72	21	checks	check	NOUN
fsr-3615	72	22	to	to	PART
fsr-3615	72	23	pay	pay	VERB
fsr-3615	72	24	down	down	ADP
fsr-3615	72	25	debt	debt	NOUN
fsr-3615	72	26	(	(	PUNCT
fsr-3615	72	27	liu	liu	PROPN
fsr-3615	72	28	et	et	PROPN
fsr-3615	72	29	al	al	PROPN
fsr-3615	72	30	.	.	PROPN
fsr-3615	72	31	,	,	PUNCT
fsr-3615	72	32	2021	2021	NUM
fsr-3615	72	33	)	)	PUNCT
fsr-3615	72	34	.	.	PUNCT
fsr-3615	73	1	economic	economic	ADJ
fsr-3615	73	2	stimulus	stimulus	ADJ
fsr-3615	73	3	payments	payment	NOUN
fsr-3615	73	4	had	have	AUX
fsr-3615	73	5	been	be	AUX
fsr-3615	73	6	used	use	VERB
fsr-3615	73	7	before	before	ADV
fsr-3615	73	8	and	and	CCONJ
fsr-3615	73	9	were	be	AUX
fsr-3615	73	10	not	not	PART
fsr-3615	73	11	new	new	ADJ
fsr-3615	73	12	to	to	ADP
fsr-3615	73	13	consumers	consumer	NOUN
fsr-3615	73	14	.	.	PUNCT
fsr-3615	74	1	in	in	ADP
fsr-3615	74	2	2008	2008	NUM
fsr-3615	74	3	,	,	PUNCT
fsr-3615	74	4	u.s	u.s	PROPN
fsr-3615	74	5	.	.	PROPN
fsr-3615	74	6	households	household	NOUN
fsr-3615	74	7	received	receive	VERB
fsr-3615	74	8	over	over	ADP
fsr-3615	74	9	$	$	SYM
fsr-3615	74	10	120	120	NUM
fsr-3615	74	11	billion	billion	NUM
fsr-3615	74	12	from	from	ADP
fsr-3615	74	13	the	the	DET
fsr-3615	74	14	economic	economic	ADJ
fsr-3615	74	15	stimulus	stimulus	ADJ
fsr-3615	74	16	act	act	NOUN
fsr-3615	74	17	of	of	ADP
fsr-3615	74	18	2008	2008	NUM
fsr-3615	74	19	for	for	ADP
fsr-3615	74	20	financial	financial	ADJ
fsr-3615	74	21	assistance	assistance	NOUN
fsr-3615	74	22	and	and	CCONJ
fsr-3615	74	23	to	to	PART
fsr-3615	74	24	help	help	VERB
fsr-3615	74	25	with	with	ADP
fsr-3615	74	26	recovery	recovery	NOUN
fsr-3615	74	27	from	from	ADP
fsr-3615	74	28	the	the	DET
fsr-3615	74	29	great	great	ADJ
fsr-3615	74	30	recession	recession	NOUN
fsr-3615	74	31	(	(	PUNCT
fsr-3615	74	32	amadeo	amadeo	PROPN
fsr-3615	74	33	,	,	PUNCT
fsr-3615	74	34	2020	2020	NUM
fsr-3615	74	35	;	;	PUNCT
fsr-3615	74	36	parker	parker	PROPN
fsr-3615	74	37	et	et	PROPN
fsr-3615	74	38	al	al	PROPN
fsr-3615	74	39	.	.	PROPN
fsr-3615	74	40	,	,	PUNCT
fsr-3615	74	41	2013	2013	NUM
fsr-3615	74	42	)	)	PUNCT
fsr-3615	74	43	.	.	PUNCT
fsr-3615	75	1	based	base	VERB
fsr-3615	75	2	on	on	ADP
fsr-3615	75	3	research	research	NOUN
fsr-3615	75	4	results	result	NOUN
fsr-3615	75	5	,	,	PUNCT
fsr-3615	75	6	48	48	NUM
fsr-3615	75	7	%	%	NOUN
fsr-3615	75	8	of	of	ADP
fsr-3615	75	9	consumers	consumer	NOUN
fsr-3615	75	10	used	use	VERB
fsr-3615	75	11	these	these	DET
fsr-3615	75	12	stimulus	stimulus	ADJ
fsr-3615	75	13	payments	payment	NOUN
fsr-3615	75	14	for	for	ADP
fsr-3615	75	15	debt	debt	NOUN
fsr-3615	75	16	payments	payment	NOUN
fsr-3615	75	17	,	,	PUNCT
fsr-3615	75	18	32	32	NUM
fsr-3615	75	19	%	%	NOUN
fsr-3615	75	20	allocated	allocate	VERB
fsr-3615	75	21	it	it	PRON
fsr-3615	75	22	toward	toward	ADP
fsr-3615	75	23	saving	saving	NOUN
fsr-3615	75	24	,	,	PUNCT
fsr-3615	75	25	and	and	CCONJ
fsr-3615	75	26	less	less	ADJ
fsr-3615	75	27	than	than	ADP
fsr-3615	75	28	20	20	NUM
fsr-3615	75	29	%	%	NOUN
fsr-3615	75	30	spent	spend	VERB
fsr-3615	75	31	the	the	DET
fsr-3615	75	32	funds	fund	NOUN
fsr-3615	75	33	(	(	PUNCT
fsr-3615	75	34	shapiro	shapiro	PROPN
fsr-3615	75	35	&	&	CCONJ
fsr-3615	75	36	slemrod	slemrod	PROPN
fsr-3615	75	37	,	,	PUNCT
fsr-3615	75	38	2009	2009	NUM
fsr-3615	75	39	)	)	PUNCT
fsr-3615	75	40	.	.	PUNCT
fsr-3615	76	1	homeowners	homeowner	NOUN
fsr-3615	76	2	spent	spend	VERB
fsr-3615	76	3	more	more	ADJ
fsr-3615	76	4	of	of	ADP
fsr-3615	76	5	their	their	PRON
fsr-3615	76	6	stimulus	stimulus	ADJ
fsr-3615	76	7	payments	payment	NOUN
fsr-3615	76	8	than	than	SCONJ
fsr-3615	76	9	did	do	VERB
fsr-3615	76	10	renters	renter	NOUN
fsr-3615	76	11	,	,	PUNCT
fsr-3615	76	12	especially	especially	ADV
fsr-3615	76	13	on	on	ADP
fsr-3615	76	14	debt	debt	NOUN
fsr-3615	76	15	payments	payment	NOUN
fsr-3615	76	16	.	.	PUNCT
fsr-3615	77	1	(	(	PUNCT
fsr-3615	77	2	parker	parker	PROPN
fsr-3615	77	3	et	et	PROPN
fsr-3615	77	4	al	al	PROPN
fsr-3615	77	5	.	.	PROPN
fsr-3615	77	6	,	,	PUNCT
fsr-3615	77	7	2013	2013	NUM
fsr-3615	77	8	)	)	PUNCT
fsr-3615	77	9	.	.	PUNCT
fsr-3615	78	1	broda	broda	PROPN
fsr-3615	78	2	and	and	CCONJ
fsr-3615	78	3	parker	parker	PROPN
fsr-3615	78	4	(	(	PUNCT
fsr-3615	78	5	2008	2008	NUM
fsr-3615	78	6	)	)	PUNCT
fsr-3615	78	7	discovered	discover	VERB
fsr-3615	78	8	that	that	SCONJ
fsr-3615	78	9	although	although	SCONJ
fsr-3615	78	10	a	a	DET
fsr-3615	78	11	substantial	substantial	ADJ
fsr-3615	78	12	majority	majority	NOUN
fsr-3615	78	13	of	of	ADP
fsr-3615	78	14	households	household	NOUN
fsr-3615	78	15	used	use	VERB
fsr-3615	78	16	the	the	DET
fsr-3615	78	17	2008	2008	NUM
fsr-3615	78	18	stimulus	stimulus	ADJ
fsr-3615	78	19	payments	payment	NOUN
fsr-3615	78	20	for	for	ADP
fsr-3615	78	21	debt	debt	NOUN
fsr-3615	78	22	repayment	repayment	NOUN
fsr-3615	78	23	or	or	CCONJ
fsr-3615	78	24	savings	saving	NOUN
fsr-3615	78	25	,	,	PUNCT
fsr-3615	78	26	households	household	NOUN
fsr-3615	78	27	with	with	ADP
fsr-3615	78	28	lower	low	ADJ
fsr-3615	78	29	income	income	NOUN
fsr-3615	78	30	were	be	AUX
fsr-3615	78	31	nearly	nearly	ADV
fsr-3615	78	32	twice	twice	ADV
fsr-3615	78	33	as	as	ADV
fsr-3615	78	34	inclined	inclined	ADJ
fsr-3615	78	35	to	to	PART
fsr-3615	78	36	expend	expend	VERB
fsr-3615	78	37	the	the	DET
fsr-3615	78	38	extra	extra	ADJ
fsr-3615	78	39	funds	fund	NOUN
fsr-3615	78	40	.	.	PUNCT
fsr-3615	79	1	the	the	DET
fsr-3615	79	2	consumer	consumer	NOUN
fsr-3615	79	3	financial	financial	PROPN
fsr-3615	79	4	protection	protection	PROPN
fsr-3615	79	5	bureau	bureau	PROPN
fsr-3615	79	6	reported	report	VERB
fsr-3615	79	7	an	an	DET
fsr-3615	79	8	eight	eight	NUM
fsr-3615	79	9	percentage	percentage	NOUN
fsr-3615	79	10	-	-	PUNCT
fsr-3615	79	11	point	point	NOUN
fsr-3615	79	12	decline	decline	NOUN
fsr-3615	79	13	between	between	ADP
fsr-3615	79	14	june	june	PROPN
fsr-3615	79	15	2019	2019	NUM
fsr-3615	79	16	and	and	CCONJ
fsr-3615	79	17	june	june	PROPN
fsr-3615	79	18	2020	2020	NUM
fsr-3615	79	19	in	in	ADP
fsr-3615	79	20	the	the	DET
fsr-3615	79	21	proportion	proportion	NOUN
fsr-3615	79	22	of	of	ADP
fsr-3615	79	23	people	people	NOUN
fsr-3615	79	24	indicating	indicate	VERB
fsr-3615	79	25	a	a	DET
fsr-3615	79	26	high	high	ADJ
fsr-3615	79	27	perceived	perceive	VERB
fsr-3615	79	28	lack	lack	NOUN
fsr-3615	79	29	of	of	ADP
fsr-3615	79	30	financial	financial	ADJ
fsr-3615	79	31	control	control	NOUN
fsr-3615	79	32	(	(	PUNCT
fsr-3615	79	33	fulford	fulford	PROPN
fsr-3615	79	34	et	et	PROPN
fsr-3615	79	35	al	al	PROPN
fsr-3615	79	36	.	.	PROPN
fsr-3615	79	37	,	,	PUNCT
fsr-3615	79	38	2021	2021	NUM
fsr-3615	79	39	)	)	PUNCT
fsr-3615	79	40	.	.	PUNCT
fsr-3615	80	1	the	the	DET
fsr-3615	80	2	first	first	ADJ
fsr-3615	80	3	of	of	ADP
fsr-3615	80	4	the	the	DET
fsr-3615	80	5	economic	economic	ADJ
fsr-3615	80	6	impact	impact	NOUN
fsr-3615	80	7	payments	payment	NOUN
fsr-3615	80	8	was	be	AUX
fsr-3615	80	9	signed	sign	VERB
fsr-3615	80	10	into	into	ADP
fsr-3615	80	11	law	law	NOUN
fsr-3615	80	12	and	and	CCONJ
fsr-3615	80	13	disbursed	disburse	VERB
fsr-3615	80	14	during	during	ADP
fsr-3615	80	15	this	this	DET
fsr-3615	80	16	window	window	NOUN
fsr-3615	80	17	,	,	PUNCT
fsr-3615	80	18	though	though	SCONJ
fsr-3615	80	19	the	the	DET
fsr-3615	80	20	authors	author	NOUN
fsr-3615	80	21	stop	stop	VERB
fsr-3615	80	22	short	short	ADJ
fsr-3615	80	23	from	from	ADP
fsr-3615	80	24	claiming	claim	VERB
fsr-3615	80	25	the	the	DET
fsr-3615	80	26	drop	drop	NOUN
fsr-3615	80	27	is	be	AUX
fsr-3615	80	28	related	relate	VERB
fsr-3615	80	29	to	to	ADP
fsr-3615	80	30	the	the	DET
fsr-3615	80	31	stimulus	stimulus	NOUN
fsr-3615	80	32	.	.	PUNCT
fsr-3615	81	1	however	however	ADV
fsr-3615	81	2	,	,	PUNCT
fsr-3615	81	3	(	(	PUNCT
fsr-3615	81	4	kleimeier	kleimeier	X
fsr-3615	81	5	et	et	PROPN
fsr-3615	81	6	al	al	PROPN
fsr-3615	81	7	.	.	PROPN
fsr-3615	81	8	,	,	PUNCT
fsr-3615	81	9	2023	2023	NUM
fsr-3615	81	10	)	)	PUNCT
fsr-3615	81	11	claim	claim	VERB
fsr-3615	81	12	that	that	SCONJ
fsr-3615	81	13	only	only	ADV
fsr-3615	81	14	economically	economically	ADV
fsr-3615	81	15	weak	weak	ADJ
fsr-3615	81	16	households	household	NOUN
fsr-3615	81	17	perceived	perceive	VERB
fsr-3615	81	18	a	a	DET
fsr-3615	81	19	gain	gain	NOUN
fsr-3615	81	20	in	in	ADP
fsr-3615	81	21	control	control	NOUN
fsr-3615	81	22	over	over	ADP
fsr-3615	81	23	their	their	PRON
fsr-3615	81	24	finances	finance	NOUN
fsr-3615	81	25	as	as	ADP
fsr-3615	81	26	a	a	DET
fsr-3615	81	27	result	result	NOUN
fsr-3615	81	28	of	of	ADP
fsr-3615	81	29	receiving	receive	VERB
fsr-3615	81	30	government	government	NOUN
fsr-3615	81	31	stimulus	stimulus	NOUN
fsr-3615	81	32	checks	check	NOUN
fsr-3615	81	33	during	during	ADP
fsr-3615	81	34	covid-19	covid-19	PROPN
fsr-3615	81	35	.	.	PUNCT
fsr-3615	82	1	while	while	SCONJ
fsr-3615	82	2	the	the	DET
fsr-3615	82	3	literature	literature	NOUN
fsr-3615	82	4	has	have	AUX
fsr-3615	82	5	shown	show	VERB
fsr-3615	82	6	the	the	DET
fsr-3615	82	7	significant	significant	ADJ
fsr-3615	82	8	usage	usage	NOUN
fsr-3615	82	9	of	of	ADP
fsr-3615	82	10	stimulus	stimulus	ADJ
fsr-3615	82	11	checks	check	NOUN
fsr-3615	82	12	to	to	PART
fsr-3615	82	13	make	make	VERB
fsr-3615	82	14	debt	debt	NOUN
fsr-3615	82	15	payments	payment	NOUN
fsr-3615	82	16	,	,	PUNCT
fsr-3615	82	17	limited	limited	ADJ
fsr-3615	82	18	studies	study	NOUN
fsr-3615	82	19	have	have	AUX
fsr-3615	82	20	analyzed	analyze	VERB
fsr-3615	82	21	the	the	DET
fsr-3615	82	22	impact	impact	NOUN
fsr-3615	82	23	of	of	ADP
fsr-3615	82	24	households	household	NOUN
fsr-3615	82	25	’	'	PUNCT
fsr-3615	82	26	perceived	perceive	VERB
fsr-3615	82	27	lack	lack	NOUN
fsr-3615	82	28	of	of	ADP
fsr-3615	82	29	control	control	NOUN
fsr-3615	82	30	of	of	ADP
fsr-3615	82	31	their	their	PRON
fsr-3615	82	32	finances	finance	NOUN
fsr-3615	82	33	on	on	ADP
fsr-3615	82	34	their	their	PRON
fsr-3615	82	35	financial	financial	ADJ
fsr-3615	82	36	decision	decision	NOUN
fsr-3615	82	37	-	-	PUNCT
fsr-3615	82	38	making	making	NOUN
fsr-3615	82	39	or	or	CCONJ
fsr-3615	82	40	the	the	DET
fsr-3615	82	41	effect	effect	NOUN
fsr-3615	82	42	of	of	ADP
fsr-3615	82	43	government	government	NOUN
fsr-3615	82	44	-	-	PUNCT
fsr-3615	82	45	supplied	supply	VERB
fsr-3615	82	46	stimulus	stimulus	ADJ
fsr-3615	82	47	payments	payment	NOUN
fsr-3615	82	48	ouyang	ouyang	VERB
fsr-3615	82	49	et	et	PROPN
fsr-3615	82	50	al	al	PROPN
fsr-3615	82	51	.	.	PROPN
fsr-3615	82	52	5	5	NUM
fsr-3615	82	53	on	on	ADP
fsr-3615	82	54	an	an	DET
fsr-3615	82	55	individual	individual	NOUN
fsr-3615	82	56	’s	’s	PART
fsr-3615	82	57	perception	perception	NOUN
fsr-3615	82	58	of	of	ADP
fsr-3615	82	59	control	control	NOUN
fsr-3615	82	60	.	.	PUNCT
fsr-3615	83	1	moreover	moreover	ADV
fsr-3615	83	2	,	,	PUNCT
fsr-3615	83	3	the	the	DET
fsr-3615	83	4	findings	finding	NOUN
fsr-3615	83	5	from	from	ADP
fsr-3615	83	6	previous	previous	ADJ
fsr-3615	83	7	literature	literature	NOUN
fsr-3615	83	8	underscore	underscore	VERB
fsr-3615	83	9	the	the	DET
fsr-3615	83	10	need	need	NOUN
fsr-3615	83	11	for	for	ADP
fsr-3615	83	12	more	more	ADV
fsr-3615	83	13	nuanced	nuanced	ADJ
fsr-3615	83	14	empirical	empirical	ADJ
fsr-3615	83	15	models	model	NOUN
fsr-3615	83	16	that	that	PRON
fsr-3615	83	17	account	account	VERB
fsr-3615	83	18	for	for	ADP
fsr-3615	83	19	variability	variability	NOUN
fsr-3615	83	20	in	in	ADP
fsr-3615	83	21	income	income	NOUN
fsr-3615	83	22	and	and	CCONJ
fsr-3615	83	23	the	the	DET
fsr-3615	83	24	psychological	psychological	ADJ
fsr-3615	83	25	dimensions	dimension	NOUN
fsr-3615	83	26	of	of	ADP
fsr-3615	83	27	financial	financial	ADJ
fsr-3615	83	28	decision	decision	NOUN
fsr-3615	83	29	-	-	PUNCT
fsr-3615	83	30	making	making	NOUN
fsr-3615	83	31	,	,	PUNCT
fsr-3615	83	32	especially	especially	ADV
fsr-3615	83	33	during	during	ADP
fsr-3615	83	34	periods	period	NOUN
fsr-3615	83	35	of	of	ADP
fsr-3615	83	36	economic	economic	ADJ
fsr-3615	83	37	uncertainty	uncertainty	NOUN
fsr-3615	83	38	.	.	PUNCT
fsr-3615	84	1	theory	theory	NOUN
fsr-3615	84	2	and	and	CCONJ
fsr-3615	84	3	conceptual	conceptual	ADJ
fsr-3615	84	4	model	model	NOUN
fsr-3615	84	5	extended	extend	VERB
fsr-3615	84	6	life	life	NOUN
fsr-3615	84	7	cycle	cycle	NOUN
fsr-3615	84	8	savings	saving	NOUN
fsr-3615	84	9	theory	theory	NOUN
fsr-3615	84	10	the	the	DET
fsr-3615	84	11	original	original	ADJ
fsr-3615	84	12	life	life	NOUN
fsr-3615	84	13	cycle	cycle	NOUN
fsr-3615	84	14	model	model	NOUN
fsr-3615	84	15	(	(	PUNCT
fsr-3615	84	16	modigliani	modigliani	PROPN
fsr-3615	84	17	&	&	CCONJ
fsr-3615	84	18	brumberg	brumberg	PROPN
fsr-3615	84	19	,	,	PUNCT
fsr-3615	84	20	1954	1954	NUM
fsr-3615	84	21	)	)	PUNCT
fsr-3615	84	22	,	,	PUNCT
fsr-3615	84	23	which	which	PRON
fsr-3615	84	24	assumed	assume	VERB
fsr-3615	84	25	certainty	certainty	NOUN
fsr-3615	84	26	about	about	ADP
fsr-3615	84	27	future	future	ADJ
fsr-3615	84	28	income	income	NOUN
fsr-3615	84	29	,	,	PUNCT
fsr-3615	84	30	has	have	AUX
fsr-3615	84	31	evolved	evolve	VERB
fsr-3615	84	32	into	into	ADP
fsr-3615	84	33	the	the	DET
fsr-3615	84	34	extended	extended	ADJ
fsr-3615	84	35	life	life	NOUN
fsr-3615	84	36	cycle	cycle	NOUN
fsr-3615	84	37	model	model	NOUN
fsr-3615	84	38	to	to	PART
fsr-3615	84	39	incorporate	incorporate	VERB
fsr-3615	84	40	the	the	DET
fsr-3615	84	41	realistic	realistic	ADJ
fsr-3615	84	42	element	element	NOUN
fsr-3615	84	43	of	of	ADP
fsr-3615	84	44	income	income	NOUN
fsr-3615	84	45	uncertainty	uncertainty	NOUN
fsr-3615	84	46	(	(	PUNCT
fsr-3615	84	47	shefrin	shefrin	NOUN
fsr-3615	84	48	&	&	CCONJ
fsr-3615	84	49	thaler	thaler	PROPN
fsr-3615	84	50	,	,	PUNCT
fsr-3615	84	51	1988	1988	NUM
fsr-3615	84	52	)	)	PUNCT
fsr-3615	84	53	.	.	PUNCT
fsr-3615	85	1	this	this	DET
fsr-3615	85	2	model	model	NOUN
fsr-3615	85	3	suggests	suggest	VERB
fsr-3615	85	4	that	that	SCONJ
fsr-3615	85	5	unpredictability	unpredictability	NOUN
fsr-3615	85	6	in	in	ADP
fsr-3615	85	7	future	future	ADJ
fsr-3615	85	8	income	income	NOUN
fsr-3615	85	9	patterns	pattern	NOUN
fsr-3615	85	10	significantly	significantly	ADV
fsr-3615	85	11	influences	influence	VERB
fsr-3615	85	12	household	household	NOUN
fsr-3615	85	13	savings	saving	NOUN
fsr-3615	85	14	and	and	CCONJ
fsr-3615	85	15	net	net	ADJ
fsr-3615	85	16	worth	worth	ADJ
fsr-3615	85	17	accumulation	accumulation	NOUN
fsr-3615	85	18	(	(	PUNCT
fsr-3615	85	19	yuh	yuh	PROPN
fsr-3615	85	20	&	&	CCONJ
fsr-3615	85	21	hanna	hanna	PROPN
fsr-3615	85	22	,	,	PUNCT
fsr-3615	85	23	2010	2010	NUM
fsr-3615	85	24	)	)	PUNCT
fsr-3615	85	25	.	.	PUNCT
fsr-3615	86	1	the	the	DET
fsr-3615	86	2	extended	extend	VERB
fsr-3615	86	3	life	life	NOUN
fsr-3615	86	4	cycle	cycle	NOUN
fsr-3615	86	5	certainty	certainty	NOUN
fsr-3615	86	6	equivalence	equivalence	NOUN
fsr-3615	86	7	model	model	NOUN
fsr-3615	86	8	,	,	PUNCT
fsr-3615	86	9	which	which	PRON
fsr-3615	86	10	further	far	ADV
fsr-3615	86	11	extends	extend	VERB
fsr-3615	86	12	the	the	DET
fsr-3615	86	13	life	life	NOUN
fsr-3615	86	14	cycle	cycle	NOUN
fsr-3615	86	15	hypothesis	hypothesis	NOUN
fsr-3615	86	16	,	,	PUNCT
fsr-3615	86	17	posits	posit	VERB
fsr-3615	86	18	that	that	SCONJ
fsr-3615	86	19	individuals	individual	NOUN
fsr-3615	86	20	who	who	PRON
fsr-3615	86	21	face	face	VERB
fsr-3615	86	22	greater	great	ADJ
fsr-3615	86	23	income	income	NOUN
fsr-3615	86	24	uncertainty	uncertainty	NOUN
fsr-3615	86	25	should	should	AUX
fsr-3615	86	26	ideally	ideally	ADV
fsr-3615	86	27	save	save	VERB
fsr-3615	86	28	more	more	ADJ
fsr-3615	86	29	and	and	CCONJ
fsr-3615	86	30	borrow	borrow	VERB
fsr-3615	86	31	less	less	ADJ
fsr-3615	86	32	.	.	PUNCT
fsr-3615	87	1	empirical	empirical	ADJ
fsr-3615	87	2	evidence	evidence	NOUN
fsr-3615	87	3	supports	support	VERB
fsr-3615	87	4	this	this	DET
fsr-3615	87	5	theory	theory	NOUN
fsr-3615	87	6	.	.	PUNCT
fsr-3615	88	1	browning	browning	NOUN
fsr-3615	88	2	and	and	CCONJ
fsr-3615	88	3	lusardi	lusardi	PROPN
fsr-3615	88	4	(	(	PUNCT
fsr-3615	88	5	1996	1996	NUM
fsr-3615	88	6	)	)	PUNCT
fsr-3615	88	7	found	find	VERB
fsr-3615	88	8	a	a	DET
fsr-3615	88	9	correlation	correlation	NOUN
fsr-3615	88	10	between	between	ADP
fsr-3615	88	11	transitory	transitory	ADJ
fsr-3615	88	12	income	income	NOUN
fsr-3615	88	13	uncertainty	uncertainty	NOUN
fsr-3615	88	14	and	and	CCONJ
fsr-3615	88	15	increased	increase	VERB
fsr-3615	88	16	savings	saving	NOUN
fsr-3615	88	17	from	from	ADP
fsr-3615	88	18	current	current	ADJ
fsr-3615	88	19	income	income	NOUN
fsr-3615	88	20	,	,	PUNCT
fsr-3615	88	21	leading	lead	VERB
fsr-3615	88	22	to	to	ADP
fsr-3615	88	23	reduced	reduce	VERB
fsr-3615	88	24	borrowing	borrowing	NOUN
fsr-3615	88	25	.	.	PUNCT
fsr-3615	89	1	our	our	PRON
fsr-3615	89	2	study	study	NOUN
fsr-3615	89	3	extends	extend	VERB
fsr-3615	89	4	these	these	DET
fsr-3615	89	5	findings	finding	NOUN
fsr-3615	89	6	to	to	ADP
fsr-3615	89	7	the	the	DET
fsr-3615	89	8	context	context	NOUN
fsr-3615	89	9	of	of	ADP
fsr-3615	89	10	the	the	DET
fsr-3615	89	11	covid-19	covid-19	PROPN
fsr-3615	89	12	pandemic	pandemic	NOUN
fsr-3615	89	13	,	,	PUNCT
fsr-3615	89	14	a	a	DET
fsr-3615	89	15	period	period	NOUN
fsr-3615	89	16	marked	mark	VERB
fsr-3615	89	17	by	by	ADP
fsr-3615	89	18	heightened	heighten	VERB
fsr-3615	89	19	income	income	NOUN
fsr-3615	89	20	uncertainty	uncertainty	NOUN
fsr-3615	89	21	.	.	PUNCT
fsr-3615	90	1	the	the	DET
fsr-3615	90	2	pandemic	pandemic	NOUN
fsr-3615	90	3	's	's	PART
fsr-3615	90	4	impact	impact	NOUN
fsr-3615	90	5	on	on	ADP
fsr-3615	90	6	employment	employment	NOUN
fsr-3615	90	7	status	status	NOUN
fsr-3615	90	8	and	and	CCONJ
fsr-3615	90	9	income	income	NOUN
fsr-3615	90	10	stability	stability	NOUN
fsr-3615	90	11	underscores	underscore	VERB
fsr-3615	90	12	the	the	DET
fsr-3615	90	13	relevance	relevance	NOUN
fsr-3615	90	14	of	of	ADP
fsr-3615	90	15	these	these	DET
fsr-3615	90	16	theories	theory	NOUN
fsr-3615	90	17	in	in	ADP
fsr-3615	90	18	contemporary	contemporary	ADJ
fsr-3615	90	19	economic	economic	ADJ
fsr-3615	90	20	scenarios	scenario	NOUN
fsr-3615	90	21	,	,	PUNCT
fsr-3615	90	22	especially	especially	ADV
fsr-3615	90	23	for	for	ADP
fsr-3615	90	24	individuals	individual	NOUN
fsr-3615	90	25	who	who	PRON
fsr-3615	90	26	experience	experience	VERB
fsr-3615	90	27	more	more	ADJ
fsr-3615	90	28	variable	variable	ADJ
fsr-3615	90	29	income	income	NOUN
fsr-3615	90	30	patterns	pattern	NOUN
fsr-3615	90	31	.	.	PUNCT
fsr-3615	91	1	according	accord	VERB
fsr-3615	91	2	to	to	ADP
fsr-3615	91	3	browning	browning	NOUN
fsr-3615	91	4	and	and	CCONJ
fsr-3615	91	5	lusardi	lusardi	PROPN
fsr-3615	91	6	(	(	PUNCT
fsr-3615	91	7	1996	1996	NUM
fsr-3615	91	8	)	)	PUNCT
fsr-3615	91	9	,	,	PUNCT
fsr-3615	91	10	such	such	ADJ
fsr-3615	91	11	individuals	individual	NOUN
fsr-3615	91	12	should	should	AUX
fsr-3615	91	13	ideally	ideally	ADV
fsr-3615	91	14	borrow	borrow	VERB
fsr-3615	91	15	less	less	ADJ
fsr-3615	91	16	than	than	ADP
fsr-3615	91	17	their	their	PRON
fsr-3615	91	18	more	more	ADV
fsr-3615	91	19	stable	stable	ADJ
fsr-3615	91	20	counterparts	counterpart	NOUN
fsr-3615	91	21	,	,	PUNCT
fsr-3615	91	22	reflecting	reflect	VERB
fsr-3615	91	23	the	the	DET
fsr-3615	91	24	need	need	NOUN
fsr-3615	91	25	for	for	ADP
fsr-3615	91	26	precautionary	precautionary	ADJ
fsr-3615	91	27	savings	saving	NOUN
fsr-3615	91	28	.	.	PUNCT
fsr-3615	92	1	however	however	ADV
fsr-3615	92	2	,	,	PUNCT
fsr-3615	92	3	the	the	DET
fsr-3615	92	4	normative	normative	ADJ
fsr-3615	92	5	life	life	NOUN
fsr-3615	92	6	cycle	cycle	NOUN
fsr-3615	92	7	saving	saving	NOUN
fsr-3615	92	8	(	(	PUNCT
fsr-3615	92	9	lcs	lcs	PROPN
fsr-3615	92	10	)	)	PUNCT
fsr-3615	92	11	model	model	NOUN
fsr-3615	92	12	,	,	PUNCT
fsr-3615	92	13	which	which	PRON
fsr-3615	92	14	assumes	assume	VERB
fsr-3615	92	15	that	that	SCONJ
fsr-3615	92	16	individuals	individual	NOUN
fsr-3615	92	17	are	be	AUX
fsr-3615	92	18	well	well	ADV
fsr-3615	92	19	-	-	PUNCT
fsr-3615	92	20	informed	inform	VERB
fsr-3615	92	21	and	and	CCONJ
fsr-3615	92	22	fully	fully	ADV
fsr-3615	92	23	rational	rational	ADJ
fsr-3615	92	24	(	(	PUNCT
fsr-3615	92	25	browning	browning	NOUN
fsr-3615	92	26	&	&	CCONJ
fsr-3615	92	27	crossley	crossley	NOUN
fsr-3615	92	28	,	,	PUNCT
fsr-3615	92	29	2001	2001	NUM
fsr-3615	92	30	;	;	PUNCT
fsr-3615	92	31	modigliani	modigliani	PROPN
fsr-3615	92	32	&	&	CCONJ
fsr-3615	92	33	brumberg	brumberg	PROPN
fsr-3615	92	34	,	,	PUNCT
fsr-3615	92	35	1954	1954	NUM
fsr-3615	92	36	)	)	PUNCT
fsr-3615	92	37	,	,	PUNCT
fsr-3615	92	38	may	may	AUX
fsr-3615	92	39	not	not	PART
fsr-3615	92	40	fully	fully	ADV
fsr-3615	92	41	account	account	VERB
fsr-3615	92	42	for	for	ADP
fsr-3615	92	43	the	the	DET
fsr-3615	92	44	bounded	bounded	ADJ
fsr-3615	92	45	rationality	rationality	NOUN
fsr-3615	92	46	of	of	ADP
fsr-3615	92	47	real	real	ADJ
fsr-3615	92	48	-	-	PUNCT
fsr-3615	92	49	world	world	NOUN
fsr-3615	92	50	scenarios	scenario	NOUN
fsr-3615	92	51	.	.	PUNCT
fsr-3615	93	1	ibrahim	ibrahim	PROPN
fsr-3615	93	2	and	and	CCONJ
fsr-3615	93	3	alqaydi	alqaydi	VERB
fsr-3615	93	4	(	(	PUNCT
fsr-3615	93	5	2013	2013	NUM
fsr-3615	93	6	)	)	PUNCT
fsr-3615	93	7	argued	argue	VERB
fsr-3615	93	8	that	that	SCONJ
fsr-3615	93	9	individuals	individual	NOUN
fsr-3615	93	10	face	face	VERB
fsr-3615	93	11	challenges	challenge	NOUN
fsr-3615	93	12	due	due	ADP
fsr-3615	93	13	to	to	ADP
fsr-3615	93	14	the	the	DET
fsr-3615	93	15	complexities	complexity	NOUN
fsr-3615	93	16	associated	associate	VERB
fsr-3615	93	17	with	with	ADP
fsr-3615	93	18	financial	financial	ADJ
fsr-3615	93	19	decisionmaking	decisionmaking	NOUN
fsr-3615	93	20	,	,	PUNCT
fsr-3615	93	21	limited	limited	ADJ
fsr-3615	93	22	financial	financial	ADJ
fsr-3615	93	23	capability	capability	NOUN
fsr-3615	93	24	,	,	PUNCT
fsr-3615	93	25	and	and	CCONJ
fsr-3615	93	26	constraints	constraint	NOUN
fsr-3615	93	27	in	in	ADP
fsr-3615	93	28	time	time	NOUN
fsr-3615	93	29	and	and	CCONJ
fsr-3615	93	30	resources	resource	NOUN
fsr-3615	93	31	.	.	PUNCT
fsr-3615	94	1	this	this	DET
fsr-3615	94	2	perspective	perspective	NOUN
fsr-3615	94	3	is	be	AUX
fsr-3615	94	4	crucial	crucial	ADJ
fsr-3615	94	5	in	in	ADP
fsr-3615	94	6	understanding	understand	VERB
fsr-3615	94	7	peoples	people	NOUN
fsr-3615	94	8	’	’	PART
fsr-3615	94	9	responses	response	NOUN
fsr-3615	94	10	to	to	ADP
fsr-3615	94	11	income	income	NOUN
fsr-3615	94	12	shocks	shock	NOUN
fsr-3615	94	13	,	,	PUNCT
fsr-3615	94	14	as	as	SCONJ
fsr-3615	94	15	we	we	PRON
fsr-3615	94	16	expected	expect	VERB
fsr-3615	94	17	to	to	PART
fsr-3615	94	18	observe	observe	VERB
fsr-3615	94	19	in	in	ADP
fsr-3615	94	20	our	our	PRON
fsr-3615	94	21	study	study	NOUN
fsr-3615	94	22	.	.	PUNCT
fsr-3615	95	1	additionally	additionally	ADV
fsr-3615	95	2	,	,	PUNCT
fsr-3615	95	3	a	a	DET
fsr-3615	95	4	perception	perception	NOUN
fsr-3615	95	5	of	of	ADP
fsr-3615	95	6	losing	lose	VERB
fsr-3615	95	7	control	control	NOUN
fsr-3615	95	8	over	over	ADP
fsr-3615	95	9	one	one	NUM
fsr-3615	95	10	’s	’s	PART
fsr-3615	95	11	financial	financial	ADJ
fsr-3615	95	12	situation	situation	NOUN
fsr-3615	95	13	could	could	AUX
fsr-3615	95	14	arise	arise	VERB
fsr-3615	95	15	in	in	ADP
fsr-3615	95	16	cases	case	NOUN
fsr-3615	95	17	where	where	SCONJ
fsr-3615	95	18	an	an	DET
fsr-3615	95	19	individual	individual	NOUN
fsr-3615	95	20	’s	’s	PART
fsr-3615	95	21	available	available	ADJ
fsr-3615	95	22	financial	financial	ADJ
fsr-3615	95	23	resources	resource	NOUN
fsr-3615	95	24	were	be	AUX
fsr-3615	95	25	insufficient	insufficient	ADJ
fsr-3615	95	26	to	to	PART
fsr-3615	95	27	offset	offset	VERB
fsr-3615	95	28	the	the	DET
fsr-3615	95	29	financial	financial	ADJ
fsr-3615	95	30	shock	shock	NOUN
fsr-3615	95	31	and	and	CCONJ
fsr-3615	95	32	uncertainty	uncertainty	NOUN
fsr-3615	95	33	endured	endure	VERB
fsr-3615	95	34	during	during	ADP
fsr-3615	95	35	the	the	DET
fsr-3615	95	36	covid-19	covid-19	PROPN
fsr-3615	95	37	pandemic	pandemic	NOUN
fsr-3615	95	38	(	(	PUNCT
fsr-3615	95	39	lea	lea	PROPN
fsr-3615	95	40	et	et	PROPN
fsr-3615	95	41	al	al	PROPN
fsr-3615	95	42	.	.	PROPN
fsr-3615	95	43	,	,	PUNCT
fsr-3615	95	44	1995	1995	NUM
fsr-3615	95	45	)	)	PUNCT
fsr-3615	95	46	.	.	PUNCT
fsr-3615	96	1	past	past	ADJ
fsr-3615	96	2	research	research	NOUN
fsr-3615	96	3	has	have	AUX
fsr-3615	96	4	shown	show	VERB
fsr-3615	96	5	that	that	SCONJ
fsr-3615	96	6	feeling	feel	VERB
fsr-3615	96	7	a	a	DET
fsr-3615	96	8	sense	sense	NOUN
fsr-3615	96	9	of	of	ADP
fsr-3615	96	10	control	control	NOUN
fsr-3615	96	11	over	over	ADP
fsr-3615	96	12	one	one	NUM
fsr-3615	96	13	’s	’s	PART
fsr-3615	96	14	circumstances	circumstance	NOUN
fsr-3615	96	15	reduces	reduce	VERB
fsr-3615	96	16	stress	stress	NOUN
fsr-3615	96	17	and	and	CCONJ
fsr-3615	96	18	increases	increase	VERB
fsr-3615	96	19	resilience	resilience	NOUN
fsr-3615	96	20	during	during	ADP
fsr-3615	96	21	periods	period	NOUN
fsr-3615	96	22	of	of	ADP
fsr-3615	96	23	uncertainty	uncertainty	NOUN
fsr-3615	96	24	(	(	PUNCT
fsr-3615	96	25	bordia	bordia	PROPN
fsr-3615	96	26	et	et	PROPN
fsr-3615	96	27	al	al	PROPN
fsr-3615	96	28	.	.	PROPN
fsr-3615	96	29	,	,	PUNCT
fsr-3615	96	30	2004	2004	NUM
fsr-3615	96	31	;	;	PUNCT
fsr-3615	96	32	glass	glass	NOUN
fsr-3615	96	33	et	et	PROPN
fsr-3615	96	34	al	al	PROPN
fsr-3615	96	35	.	.	PROPN
fsr-3615	96	36	,	,	PUNCT
fsr-3615	96	37	1973	1973	NUM
fsr-3615	96	38	;	;	PUNCT
fsr-3615	96	39	polizzi	polizzi	PROPN
fsr-3615	96	40	et	et	PROPN
fsr-3615	96	41	al	al	PROPN
fsr-3615	96	42	.	.	PROPN
fsr-3615	96	43	,	,	PUNCT
fsr-3615	96	44	2020	2020	NUM
fsr-3615	96	45	)	)	PUNCT
fsr-3615	96	46	.	.	PUNCT
fsr-3615	97	1	when	when	SCONJ
fsr-3615	97	2	people	people	NOUN
fsr-3615	97	3	perceive	perceive	VERB
fsr-3615	97	4	a	a	DET
fsr-3615	97	5	loss	loss	NOUN
fsr-3615	97	6	of	of	ADP
fsr-3615	97	7	control	control	NOUN
fsr-3615	97	8	over	over	ADP
fsr-3615	97	9	their	their	PRON
fsr-3615	97	10	situation	situation	NOUN
fsr-3615	97	11	,	,	PUNCT
fsr-3615	97	12	the	the	DET
fsr-3615	97	13	resulting	result	VERB
fsr-3615	97	14	stress	stress	NOUN
fsr-3615	97	15	can	can	AUX
fsr-3615	97	16	motivate	motivate	VERB
fsr-3615	97	17	them	they	PRON
fsr-3615	97	18	to	to	PART
fsr-3615	97	19	make	make	VERB
fsr-3615	97	20	decisions	decision	NOUN
fsr-3615	97	21	aimed	aim	VERB
fsr-3615	97	22	at	at	ADP
fsr-3615	97	23	altering	alter	VERB
fsr-3615	97	24	their	their	PRON
fsr-3615	97	25	current	current	ADJ
fsr-3615	97	26	circumstances	circumstance	NOUN
fsr-3615	97	27	to	to	PART
fsr-3615	97	28	gain	gain	VERB
fsr-3615	97	29	a	a	DET
fsr-3615	97	30	greater	great	ADJ
fsr-3615	97	31	perception	perception	NOUN
fsr-3615	97	32	of	of	ADP
fsr-3615	97	33	control	control	NOUN
fsr-3615	97	34	over	over	ADP
fsr-3615	97	35	their	their	PRON
fsr-3615	97	36	situation	situation	NOUN
fsr-3615	97	37	(	(	PUNCT
fsr-3615	97	38	brehm	brehm	NOUN
fsr-3615	97	39	,	,	PUNCT
fsr-3615	97	40	1966	1966	NUM
fsr-3615	97	41	;	;	PUNCT
fsr-3615	97	42	whitson	whitson	PROPN
fsr-3615	97	43	&	&	CCONJ
fsr-3615	97	44	galinksy	galinksy	NOUN
fsr-3615	97	45	,	,	PUNCT
fsr-3615	97	46	2008	2008	NUM
fsr-3615	97	47	)	)	PUNCT
fsr-3615	97	48	.	.	PUNCT
fsr-3615	98	1	during	during	ADP
fsr-3615	98	2	pandemic	pandemic	ADJ
fsr-3615	98	3	,	,	PUNCT
fsr-3615	98	4	when	when	SCONJ
fsr-3615	98	5	economic	economic	ADJ
fsr-3615	98	6	uncertainty	uncertainty	NOUN
fsr-3615	98	7	is	be	AUX
fsr-3615	98	8	high	high	ADJ
fsr-3615	98	9	and	and	CCONJ
fsr-3615	98	10	income	income	NOUN
fsr-3615	98	11	is	be	AUX
fsr-3615	98	12	potentially	potentially	ADV
fsr-3615	98	13	reduced	reduce	VERB
fsr-3615	98	14	,	,	PUNCT
fsr-3615	98	15	many	many	ADJ
fsr-3615	98	16	households	household	NOUN
fsr-3615	98	17	received	receive	VERB
fsr-3615	98	18	stimulus	stimulus	ADJ
fsr-3615	98	19	checks	check	NOUN
fsr-3615	98	20	as	as	ADP
fsr-3615	98	21	a	a	DET
fsr-3615	98	22	form	form	NOUN
fsr-3615	98	23	of	of	ADP
fsr-3615	98	24	government	government	NOUN
fsr-3615	98	25	support	support	NOUN
fsr-3615	98	26	(	(	PUNCT
fsr-3615	98	27	cares	cares	PROPN
fsr-3615	98	28	act	act	PROPN
fsr-3615	98	29	,	,	PUNCT
fsr-3615	98	30	2020	2020	NUM
fsr-3615	98	31	)	)	PUNCT
fsr-3615	98	32	.	.	PUNCT
fsr-3615	99	1	according	accord	VERB
fsr-3615	99	2	to	to	ADP
fsr-3615	99	3	life	life	NOUN
fsr-3615	99	4	cycle	cycle	NOUN
fsr-3615	99	5	savings	saving	NOUN
fsr-3615	99	6	theory	theory	NOUN
fsr-3615	99	7	,	,	PUNCT
fsr-3615	99	8	these	these	DET
fsr-3615	99	9	households	household	NOUN
fsr-3615	99	10	are	be	AUX
fsr-3615	99	11	likely	likely	ADJ
fsr-3615	99	12	to	to	PART
fsr-3615	99	13	use	use	VERB
fsr-3615	99	14	these	these	DET
fsr-3615	99	15	funds	fund	NOUN
fsr-3615	99	16	to	to	PART
fsr-3615	99	17	pay	pay	VERB
fsr-3615	99	18	down	down	ADP
fsr-3615	99	19	debt	debt	NOUN
fsr-3615	99	20	on	on	ADP
fsr-3615	99	21	maintaining	maintain	VERB
fsr-3615	99	22	balanced	balanced	ADJ
fsr-3615	99	23	consumption	consumption	NOUN
fsr-3615	99	24	over	over	ADP
fsr-3615	99	25	their	their	PRON
fsr-3615	99	26	lifetime	lifetime	NOUN
fsr-3615	99	27	(	(	PUNCT
fsr-3615	99	28	modigliani	modigliani	PROPN
fsr-3615	99	29	&	&	CCONJ
fsr-3615	99	30	brumberg	brumberg	PROPN
fsr-3615	99	31	,	,	PUNCT
fsr-3615	99	32	1954	1954	NUM
fsr-3615	99	33	;	;	PUNCT
fsr-3615	99	34	yuh	yuh	PROPN
fsr-3615	99	35	&	&	CCONJ
fsr-3615	99	36	hanna	hanna	PROPN
fsr-3615	99	37	,	,	PUNCT
fsr-3615	99	38	2010	2010	NUM
fsr-3615	99	39	)	)	PUNCT
fsr-3615	99	40	.	.	PUNCT
fsr-3615	100	1	by	by	ADP
fsr-3615	100	2	reducing	reduce	VERB
fsr-3615	100	3	debt	debt	NOUN
fsr-3615	100	4	,	,	PUNCT
fsr-3615	100	5	households	household	NOUN
fsr-3615	100	6	decrease	decrease	VERB
fsr-3615	100	7	their	their	PRON
fsr-3615	100	8	future	future	ADJ
fsr-3615	100	9	interest	interest	NOUN
fsr-3615	100	10	obligations	obligation	NOUN
fsr-3615	100	11	and	and	CCONJ
fsr-3615	100	12	potential	potential	ADJ
fsr-3615	100	13	financial	financial	ADJ
fsr-3615	100	14	distress	distress	NOUN
fsr-3615	100	15	from	from	ADP
fsr-3615	100	16	perceived	perceive	VERB
fsr-3615	100	17	financial	financial	ADJ
fsr-3615	100	18	control	control	NOUN
fsr-3615	100	19	,	,	PUNCT
fsr-3615	100	20	which	which	PRON
fsr-3615	100	21	could	could	AUX
fsr-3615	100	22	disrupt	disrupt	VERB
fsr-3615	100	23	their	their	PRON
fsr-3615	100	24	consumption	consumption	NOUN
fsr-3615	100	25	smoothing	smoothing	NOUN
fsr-3615	100	26	(	(	PUNCT
fsr-3615	100	27	netemeyer	netemeyer	PROPN
fsr-3615	100	28	et	et	PROPN
fsr-3615	100	29	al	al	PROPN
fsr-3615	100	30	.	.	PROPN
fsr-3615	100	31	,	,	PUNCT
fsr-3615	100	32	2018	2018	NUM
fsr-3615	100	33	)	)	PUNCT
fsr-3615	100	34	.	.	PUNCT
fsr-3615	101	1	essentially	essentially	ADV
fsr-3615	101	2	,	,	PUNCT
fsr-3615	101	3	paying	pay	VERB
fsr-3615	101	4	off	off	ADP
fsr-3615	101	5	debt	debt	NOUN
fsr-3615	101	6	during	during	ADP
fsr-3615	101	7	a	a	DET
fsr-3615	101	8	downturn	downturn	NOUN
fsr-3615	101	9	allows	allow	VERB
fsr-3615	101	10	households	household	NOUN
fsr-3615	101	11	to	to	PART
fsr-3615	101	12	adjust	adjust	VERB
fsr-3615	101	13	their	their	PRON
fsr-3615	101	14	financial	financial	ADJ
fsr-3615	101	15	strategies	strategy	NOUN
fsr-3615	101	16	to	to	PART
fsr-3615	101	17	ensure	ensure	VERB
fsr-3615	101	18	more	more	ADV
fsr-3615	101	19	stable	stable	ADJ
fsr-3615	101	20	consumption	consumption	NOUN
fsr-3615	101	21	in	in	ADP
fsr-3615	101	22	the	the	DET
fsr-3615	101	23	future	future	NOUN
fsr-3615	101	24	,	,	PUNCT
fsr-3615	101	25	minimizing	minimize	VERB
fsr-3615	101	26	the	the	DET
fsr-3615	101	27	impact	impact	NOUN
fsr-3615	101	28	of	of	ADP
fsr-3615	101	29	current	current	ADJ
fsr-3615	101	30	income	income	NOUN
fsr-3615	101	31	shocks	shock	NOUN
fsr-3615	101	32	(	(	PUNCT
fsr-3615	101	33	lea	lea	PROPN
fsr-3615	101	34	et	et	PROPN
fsr-3615	101	35	al	al	PROPN
fsr-3615	101	36	.	.	PROPN
fsr-3615	101	37	,	,	PUNCT
fsr-3615	101	38	1995	1995	NUM
fsr-3615	101	39	)	)	PUNCT
fsr-3615	101	40	.	.	PUNCT
fsr-3615	102	1	furthermore	furthermore	ADV
fsr-3615	102	2	,	,	PUNCT
fsr-3615	102	3	life	life	NOUN
fsr-3615	102	4	cycle	cycle	NOUN
fsr-3615	102	5	savings	saving	NOUN
fsr-3615	102	6	theory	theory	NOUN
fsr-3615	102	7	suggests	suggest	VERB
fsr-3615	102	8	that	that	SCONJ
fsr-3615	102	9	by	by	ADP
fsr-3615	102	10	reducing	reduce	VERB
fsr-3615	102	11	liabilities	liability	NOUN
fsr-3615	102	12	,	,	PUNCT
fsr-3615	102	13	households	household	NOUN
fsr-3615	102	14	are	be	AUX
fsr-3615	102	15	effectively	effectively	ADV
fsr-3615	102	16	increasing	increase	VERB
fsr-3615	102	17	their	their	PRON
fsr-3615	102	18	net	net	ADJ
fsr-3615	102	19	savings	saving	NOUN
fsr-3615	102	20	,	,	PUNCT
fsr-3615	102	21	which	which	PRON
fsr-3615	102	22	aligns	align	VERB
fsr-3615	102	23	with	with	ADP
fsr-3615	102	24	the	the	DET
fsr-3615	102	25	theory	theory	NOUN
fsr-3615	102	26	’s	’s	PART
fsr-3615	102	27	principle	principle	NOUN
fsr-3615	102	28	of	of	ADP
fsr-3615	102	29	preparing	prepare	VERB
fsr-3615	102	30	for	for	ADP
fsr-3615	102	31	later	later	ADJ
fsr-3615	102	32	stages	stage	NOUN
fsr-3615	102	33	of	of	ADP
fsr-3615	102	34	life	life	NOUN
fsr-3615	102	35	when	when	SCONJ
fsr-3615	102	36	income	income	NOUN
fsr-3615	102	37	will	will	AUX
fsr-3615	102	38	decrease	decrease	VERB
fsr-3615	102	39	due	due	ADP
fsr-3615	102	40	to	to	ADP
fsr-3615	102	41	retirement	retirement	NOUN
fsr-3615	102	42	(	(	PUNCT
fsr-3615	102	43	modigliani	modigliani	PROPN
fsr-3615	102	44	&	&	CCONJ
fsr-3615	102	45	brumberg	brumberg	PROPN
fsr-3615	102	46	,	,	PUNCT
fsr-3615	102	47	1954	1954	NUM
fsr-3615	102	48	;	;	PUNCT
fsr-3615	102	49	yuh	yuh	PROPN
fsr-3615	102	50	&	&	CCONJ
fsr-3615	102	51	hanna	hanna	PROPN
fsr-3615	102	52	,	,	PUNCT
fsr-3615	102	53	2010	2010	NUM
fsr-3615	102	54	)	)	PUNCT
fsr-3615	102	55	.	.	PUNCT
fsr-3615	103	1	in	in	ADP
fsr-3615	103	2	the	the	DET
fsr-3615	103	3	context	context	NOUN
fsr-3615	103	4	of	of	ADP
fsr-3615	103	5	a	a	DET
fsr-3615	103	6	pandemic	pandemic	ADJ
fsr-3615	103	7	,	,	PUNCT
fsr-3615	103	8	this	this	DET
fsr-3615	103	9	behavior	behavior	NOUN
fsr-3615	103	10	reflects	reflect	VERB
fsr-3615	103	11	a	a	DET
fsr-3615	103	12	precautionary	precautionary	ADJ
fsr-3615	103	13	saving	save	VERB
fsr-3615	103	14	motive	motive	NOUN
fsr-3615	103	15	,	,	PUNCT
fsr-3615	103	16	where	where	SCONJ
fsr-3615	103	17	households	household	NOUN
fsr-3615	103	18	prioritize	prioritize	VERB
fsr-3615	103	19	financial	financial	ADJ
fsr-3615	103	20	stability	stability	NOUN
fsr-3615	103	21	and	and	CCONJ
fsr-3615	103	22	resilience	resilience	NOUN
fsr-3615	103	23	in	in	ADP
fsr-3615	103	24	anticipation	anticipation	NOUN
fsr-3615	103	25	of	of	ADP
fsr-3615	103	26	prolonged	prolonged	ADJ
fsr-3615	103	27	economic	economic	ADJ
fsr-3615	103	28	uncertainty	uncertainty	NOUN
fsr-3615	103	29	or	or	CCONJ
fsr-3615	103	30	additional	additional	ADJ
fsr-3615	103	31	negative	negative	ADJ
fsr-3615	103	32	income	income	NOUN
fsr-3615	103	33	shocks	shock	NOUN
fsr-3615	103	34	(	(	PUNCT
fsr-3615	103	35	lusardi	lusardi	NOUN
fsr-3615	103	36	,	,	PUNCT
fsr-3615	103	37	1998	1998	NUM
fsr-3615	103	38	;	;	PUNCT
fsr-3615	103	39	deaton	deaton	PROPN
fsr-3615	103	40	financial	financial	PROPN
fsr-3615	103	41	services	services	PROPN
fsr-3615	103	42	review	review	PROPN
fsr-3615	103	43	,	,	PUNCT
fsr-3615	103	44	33(1	33(1	NUM
fsr-3615	103	45	)	)	PUNCT
fsr-3615	103	46	6	6	NUM
fsr-3615	103	47	2005	2005	NUM
fsr-3615	103	48	)	)	PUNCT
fsr-3615	103	49	.	.	PUNCT
fsr-3615	104	1	thus	thus	ADV
fsr-3615	104	2	,	,	PUNCT
fsr-3615	104	3	the	the	DET
fsr-3615	104	4	use	use	NOUN
fsr-3615	104	5	of	of	ADP
fsr-3615	104	6	stimulus	stimulus	ADJ
fsr-3615	104	7	checks	check	NOUN
fsr-3615	104	8	to	to	PART
fsr-3615	104	9	pay	pay	VERB
fsr-3615	104	10	off	off	ADP
fsr-3615	104	11	debt	debt	NOUN
fsr-3615	104	12	during	during	ADP
fsr-3615	104	13	a	a	DET
fsr-3615	104	14	pandemic	pandemic	NOUN
fsr-3615	104	15	can	can	AUX
fsr-3615	104	16	be	be	AUX
fsr-3615	104	17	seen	see	VERB
fsr-3615	104	18	as	as	ADP
fsr-3615	104	19	a	a	DET
fsr-3615	104	20	strategic	strategic	ADJ
fsr-3615	104	21	alignment	alignment	NOUN
fsr-3615	104	22	with	with	ADP
fsr-3615	104	23	the	the	DET
fsr-3615	104	24	life	life	NOUN
fsr-3615	104	25	cycle	cycle	NOUN
fsr-3615	104	26	savings	saving	NOUN
fsr-3615	104	27	theory	theory	NOUN
fsr-3615	104	28	,	,	PUNCT
fsr-3615	104	29	aiming	aim	VERB
fsr-3615	104	30	to	to	PART
fsr-3615	104	31	secure	secure	VERB
fsr-3615	104	32	financial	financial	ADJ
fsr-3615	104	33	stability	stability	NOUN
fsr-3615	104	34	and	and	CCONJ
fsr-3615	104	35	smooth	smooth	ADJ
fsr-3615	104	36	consumption	consumption	NOUN
fsr-3615	104	37	over	over	ADP
fsr-3615	104	38	the	the	DET
fsr-3615	104	39	uncertain	uncertain	ADJ
fsr-3615	104	40	period	period	NOUN
fsr-3615	104	41	ahead	ahead	ADV
fsr-3615	104	42	(	(	PUNCT
fsr-3615	104	43	deaton	deaton	PROPN
fsr-3615	104	44	,	,	PUNCT
fsr-3615	104	45	2005	2005	NUM
fsr-3615	104	46	)	)	PUNCT
fsr-3615	104	47	.	.	PUNCT
fsr-3615	105	1	many	many	ADJ
fsr-3615	105	2	individuals	individual	NOUN
fsr-3615	105	3	experienced	experience	VERB
fsr-3615	105	4	income	income	NOUN
fsr-3615	105	5	uncertainty	uncertainty	NOUN
fsr-3615	105	6	and	and	CCONJ
fsr-3615	105	7	financial	financial	ADJ
fsr-3615	105	8	hardship	hardship	NOUN
fsr-3615	105	9	during	during	ADP
fsr-3615	105	10	the	the	DET
fsr-3615	105	11	covid-19	covid-19	PROPN
fsr-3615	105	12	pandemic	pandemic	NOUN
fsr-3615	105	13	(	(	PUNCT
fsr-3615	105	14	bierman	bierman	NOUN
fsr-3615	105	15	et	et	PROPN
fsr-3615	105	16	al	al	PROPN
fsr-3615	105	17	.	.	PROPN
fsr-3615	105	18	,	,	PUNCT
fsr-3615	105	19	2021	2021	NUM
fsr-3615	105	20	;	;	PUNCT
fsr-3615	105	21	kim	kim	PROPN
fsr-3615	105	22	et	et	PROPN
fsr-3615	105	23	al	al	PROPN
fsr-3615	105	24	.	.	PROPN
fsr-3615	105	25	,	,	PUNCT
fsr-3615	105	26	2019	2019	NUM
fsr-3615	105	27	;	;	PUNCT
fsr-3615	105	28	yue	yue	PROPN
fsr-3615	105	29	et	et	PROPN
fsr-3615	105	30	al	al	PROPN
fsr-3615	105	31	.	.	PROPN
fsr-3615	105	32	,	,	PUNCT
fsr-3615	105	33	2020	2020	NUM
fsr-3615	105	34	)	)	PUNCT
fsr-3615	105	35	,	,	PUNCT
fsr-3615	105	36	and	and	CCONJ
fsr-3615	105	37	it	it	PRON
fsr-3615	105	38	is	be	AUX
fsr-3615	105	39	probable	probable	ADJ
fsr-3615	105	40	these	these	DET
fsr-3615	105	41	individuals	individual	NOUN
fsr-3615	105	42	were	be	AUX
fsr-3615	105	43	inclined	incline	VERB
fsr-3615	105	44	to	to	PART
fsr-3615	105	45	tap	tap	VERB
fsr-3615	105	46	into	into	ADP
fsr-3615	105	47	their	their	PRON
fsr-3615	105	48	financial	financial	ADJ
fsr-3615	105	49	resources	resource	NOUN
fsr-3615	105	50	,	,	PUNCT
fsr-3615	105	51	including	include	VERB
fsr-3615	105	52	stimulus	stimulus	ADJ
fsr-3615	105	53	checks	check	NOUN
fsr-3615	105	54	,	,	PUNCT
fsr-3615	105	55	to	to	PART
fsr-3615	105	56	settle	settle	VERB
fsr-3615	105	57	their	their	PRON
fsr-3615	105	58	debt	debt	NOUN
fsr-3615	105	59	-	-	PUNCT
fsr-3615	105	60	related	relate	VERB
fsr-3615	105	61	obligations	obligation	NOUN
fsr-3615	105	62	.	.	PUNCT
fsr-3615	106	1	this	this	DET
fsr-3615	106	2	decision	decision	NOUN
fsr-3615	106	3	to	to	PART
fsr-3615	106	4	pay	pay	VERB
fsr-3615	106	5	one	one	NUM
fsr-3615	106	6	’s	’s	PART
fsr-3615	106	7	debt	debt	NOUN
fsr-3615	106	8	is	be	AUX
fsr-3615	106	9	motivated	motivate	VERB
fsr-3615	106	10	by	by	ADP
fsr-3615	106	11	a	a	DET
fsr-3615	106	12	desire	desire	NOUN
fsr-3615	106	13	to	to	PART
fsr-3615	106	14	reduce	reduce	VERB
fsr-3615	106	15	financial	financial	ADJ
fsr-3615	106	16	uncertainty	uncertainty	NOUN
fsr-3615	106	17	and	and	CCONJ
fsr-3615	106	18	to	to	PART
fsr-3615	106	19	regain	regain	VERB
fsr-3615	106	20	a	a	DET
fsr-3615	106	21	greater	great	ADJ
fsr-3615	106	22	perception	perception	NOUN
fsr-3615	106	23	of	of	ADP
fsr-3615	106	24	control	control	NOUN
fsr-3615	106	25	over	over	ADP
fsr-3615	106	26	one	one	NUM
fsr-3615	106	27	’s	’s	PART
fsr-3615	106	28	financial	financial	ADJ
fsr-3615	106	29	situation	situation	NOUN
fsr-3615	106	30	(	(	PUNCT
fsr-3615	106	31	baum	baum	PROPN
fsr-3615	106	32	et	et	PROPN
fsr-3615	106	33	al	al	PROPN
fsr-3615	106	34	.	.	PROPN
fsr-3615	106	35	,	,	PUNCT
fsr-3615	106	36	1986	1986	NUM
fsr-3615	106	37	;	;	PUNCT
fsr-3615	106	38	lea	lea	PROPN
fsr-3615	106	39	et	et	PROPN
fsr-3615	106	40	al	al	PROPN
fsr-3615	106	41	.	.	PROPN
fsr-3615	106	42	,	,	PUNCT
fsr-3615	106	43	1995	1995	NUM
fsr-3615	106	44	;	;	PUNCT
fsr-3615	106	45	whitson	whitson	PROPN
fsr-3615	106	46	&	&	CCONJ
fsr-3615	106	47	galinsky	galinsky	PROPN
fsr-3615	106	48	,	,	PUNCT
fsr-3615	106	49	2008	2008	NUM
fsr-3615	106	50	)	)	PUNCT
fsr-3615	106	51	.	.	PUNCT
fsr-3615	107	1	hence	hence	ADV
fsr-3615	107	2	,	,	PUNCT
fsr-3615	107	3	as	as	SCONJ
fsr-3615	107	4	shown	show	VERB
fsr-3615	107	5	in	in	ADP
fsr-3615	107	6	figure	figure	NOUN
fsr-3615	107	7	1	1	NUM
fsr-3615	107	8	,	,	PUNCT
fsr-3615	107	9	we	we	PRON
fsr-3615	107	10	also	also	ADV
fsr-3615	107	11	expect	expect	VERB
fsr-3615	107	12	that	that	SCONJ
fsr-3615	107	13	a	a	DET
fsr-3615	107	14	perception	perception	NOUN
fsr-3615	107	15	of	of	ADP
fsr-3615	107	16	lack	lack	NOUN
fsr-3615	107	17	of	of	ADP
fsr-3615	107	18	control	control	NOUN
fsr-3615	107	19	would	would	AUX
fsr-3615	107	20	mediate	mediate	VERB
fsr-3615	107	21	the	the	DET
fsr-3615	107	22	association	association	NOUN
fsr-3615	107	23	between	between	ADP
fsr-3615	107	24	experiencing	experience	VERB
fsr-3615	107	25	financial	financial	ADJ
fsr-3615	107	26	hardship	hardship	NOUN
fsr-3615	107	27	and	and	CCONJ
fsr-3615	107	28	the	the	DET
fsr-3615	107	29	use	use	NOUN
fsr-3615	107	30	of	of	ADP
fsr-3615	107	31	stimulus	stimulus	ADJ
fsr-3615	107	32	checks	check	NOUN
fsr-3615	107	33	to	to	PART
fsr-3615	107	34	pay	pay	VERB
fsr-3615	107	35	off	off	ADP
fsr-3615	107	36	debt	debt	NOUN
fsr-3615	107	37	.	.	PUNCT
fsr-3615	108	1	our	our	PRON
fsr-3615	108	2	study	study	NOUN
fsr-3615	108	3	contributes	contribute	VERB
fsr-3615	108	4	to	to	ADP
fsr-3615	108	5	understanding	understand	VERB
fsr-3615	108	6	how	how	SCONJ
fsr-3615	108	7	perceived	perceive	VERB
fsr-3615	108	8	financial	financial	ADJ
fsr-3615	108	9	control	control	NOUN
fsr-3615	108	10	and	and	CCONJ
fsr-3615	108	11	negative	negative	ADJ
fsr-3615	108	12	income	income	NOUN
fsr-3615	108	13	shocks	shock	NOUN
fsr-3615	108	14	during	during	ADP
fsr-3615	108	15	the	the	DET
fsr-3615	108	16	covid-19	covid-19	PROPN
fsr-3615	108	17	pandemic	pandemic	ADJ
fsr-3615	108	18	influenced	influence	VERB
fsr-3615	108	19	household	household	NOUN
fsr-3615	108	20	debt	debt	NOUN
fsr-3615	108	21	management	management	NOUN
fsr-3615	108	22	decisions	decision	NOUN
fsr-3615	108	23	.	.	PUNCT
fsr-3615	109	1	figure	figure	NOUN
fsr-3615	109	2	1	1	NUM
fsr-3615	109	3	.	.	PUNCT
fsr-3615	110	1	conceptual	conceptual	ADJ
fsr-3615	110	2	framework	framework	NOUN
fsr-3615	110	3	of	of	ADP
fsr-3615	110	4	this	this	DET
fsr-3615	110	5	study	study	NOUN
fsr-3615	110	6	methods	method	NOUN
fsr-3615	110	7	dataset	dataset	VERB
fsr-3615	110	8	and	and	CCONJ
fsr-3615	110	9	analytical	analytical	ADJ
fsr-3615	110	10	sample	sample	NOUN
fsr-3615	110	11	this	this	DET
fsr-3615	110	12	study	study	NOUN
fsr-3615	110	13	used	use	VERB
fsr-3615	110	14	the	the	DET
fsr-3615	110	15	2021	2021	NUM
fsr-3615	110	16	national	national	ADJ
fsr-3615	110	17	financial	financial	ADJ
fsr-3615	110	18	capability	capability	NOUN
fsr-3615	110	19	study	study	NOUN
fsr-3615	110	20	(	(	PUNCT
fsr-3615	110	21	nfcs	nfcs	PROPN
fsr-3615	110	22	)	)	PUNCT
fsr-3615	110	23	state	state	NOUN
fsr-3615	110	24	-	-	PUNCT
fsr-3615	110	25	by	by	ADP
fsr-3615	110	26	-	-	PUNCT
fsr-3615	110	27	state	state	NOUN
fsr-3615	110	28	dataset	dataset	NOUN
fsr-3615	110	29	collected	collect	VERB
fsr-3615	110	30	and	and	CCONJ
fsr-3615	110	31	published	publish	VERB
fsr-3615	110	32	by	by	ADP
fsr-3615	110	33	the	the	DET
fsr-3615	110	34	financial	financial	ADJ
fsr-3615	110	35	industry	industry	NOUN
fsr-3615	110	36	regulatory	regulatory	ADJ
fsr-3615	110	37	authority	authority	NOUN
fsr-3615	110	38	(	(	PUNCT
fsr-3615	110	39	finra	finra	PROPN
fsr-3615	110	40	)	)	PUNCT
fsr-3615	110	41	foundation	foundation	PROPN
fsr-3615	110	42	.	.	PUNCT
fsr-3615	111	1	the	the	DET
fsr-3615	111	2	nfcs	nfcs	PROPN
fsr-3615	111	3	survey	survey	NOUN
fsr-3615	111	4	has	have	AUX
fsr-3615	111	5	been	be	AUX
fsr-3615	111	6	administered	administer	VERB
fsr-3615	111	7	every	every	DET
fsr-3615	111	8	three	three	NUM
fsr-3615	111	9	years	year	NOUN
fsr-3615	111	10	since	since	SCONJ
fsr-3615	111	11	its	its	PRON
fsr-3615	111	12	first	first	ADJ
fsr-3615	111	13	collection	collection	NOUN
fsr-3615	111	14	in	in	ADP
fsr-3615	111	15	2009	2009	NUM
fsr-3615	111	16	(	(	PUNCT
fsr-3615	111	17	finrafoundation.org	finrafoundation.org	X
fsr-3615	111	18	)	)	PUNCT
fsr-3615	111	19	.	.	PUNCT
fsr-3615	112	1	information	information	NOUN
fsr-3615	112	2	on	on	ADP
fsr-3615	112	3	the	the	DET
fsr-3615	112	4	diverse	diverse	ADJ
fsr-3615	112	5	characteristics	characteristic	NOUN
fsr-3615	112	6	of	of	ADP
fsr-3615	112	7	respondents	respondent	NOUN
fsr-3615	112	8	,	,	PUNCT
fsr-3615	112	9	including	include	VERB
fsr-3615	112	10	their	their	PRON
fsr-3615	112	11	financial	financial	ADJ
fsr-3615	112	12	knowledge	knowledge	NOUN
fsr-3615	112	13	,	,	PUNCT
fsr-3615	112	14	behaviors	behavior	NOUN
fsr-3615	112	15	,	,	PUNCT
fsr-3615	112	16	and	and	CCONJ
fsr-3615	112	17	attitudes	attitude	NOUN
fsr-3615	112	18	,	,	PUNCT
fsr-3615	112	19	is	be	AUX
fsr-3615	112	20	collected	collect	VERB
fsr-3615	112	21	.	.	PUNCT
fsr-3615	113	1	the	the	DET
fsr-3615	113	2	2021	2021	NUM
fsr-3615	113	3	nfcs	nfc	NOUN
fsr-3615	113	4	was	be	AUX
fsr-3615	113	5	collected	collect	VERB
fsr-3615	113	6	between	between	ADP
fsr-3615	113	7	june	june	PROPN
fsr-3615	113	8	and	and	CCONJ
fsr-3615	113	9	october	october	PROPN
fsr-3615	113	10	2021	2021	NUM
fsr-3615	113	11	.	.	PUNCT
fsr-3615	114	1	the	the	DET
fsr-3615	114	2	focal	focal	ADJ
fsr-3615	114	3	variables	variable	NOUN
fsr-3615	114	4	asked	ask	VERB
fsr-3615	114	5	about	about	ADP
fsr-3615	114	6	events	event	NOUN
fsr-3615	114	7	during	during	ADP
fsr-3615	114	8	the	the	DET
fsr-3615	114	9	covid-19	covid-19	PROPN
fsr-3615	114	10	pandemic	pandemic	NOUN
fsr-3615	114	11	.	.	PUNCT
fsr-3615	115	1	a	a	DET
fsr-3615	115	2	total	total	NOUN
fsr-3615	115	3	of	of	ADP
fsr-3615	115	4	20,218	20,218	NUM
fsr-3615	115	5	respondents	respondent	NOUN
fsr-3615	115	6	were	be	AUX
fsr-3615	115	7	included	include	VERB
fsr-3615	115	8	in	in	ADP
fsr-3615	115	9	the	the	DET
fsr-3615	115	10	original	original	ADJ
fsr-3615	115	11	sample	sample	NOUN
fsr-3615	115	12	,	,	PUNCT
fsr-3615	115	13	which	which	PRON
fsr-3615	115	14	was	be	AUX
fsr-3615	115	15	reduced	reduce	VERB
fsr-3615	115	16	to	to	ADP
fsr-3615	115	17	18,790	18,790	NUM
fsr-3615	115	18	respondents	respondent	NOUN
fsr-3615	115	19	who	who	PRON
fsr-3615	115	20	received	receive	VERB
fsr-3615	115	21	pandemic	pandemic	ADJ
fsr-3615	115	22	-	-	PUNCT
fsr-3615	115	23	related	relate	VERB
fsr-3615	115	24	stimulus	stimulus	ADJ
fsr-3615	115	25	payments	payment	NOUN
fsr-3615	115	26	.	.	PUNCT
fsr-3615	116	1	respondents	respondent	NOUN
fsr-3615	116	2	who	who	PRON
fsr-3615	116	3	did	do	AUX
fsr-3615	116	4	not	not	PART
fsr-3615	116	5	receive	receive	VERB
fsr-3615	116	6	the	the	DET
fsr-3615	116	7	stimulus	stimulus	ADJ
fsr-3615	116	8	check	check	NOUN
fsr-3615	116	9	were	be	AUX
fsr-3615	116	10	removed	remove	VERB
fsr-3615	116	11	from	from	ADP
fsr-3615	116	12	the	the	DET
fsr-3615	116	13	study	study	NOUN
fsr-3615	116	14	.	.	PUNCT
fsr-3615	117	1	national	national	ADJ
fsr-3615	117	2	sampling	sample	VERB
fsr-3615	117	3	weights	weight	NOUN
fsr-3615	117	4	available	available	ADJ
fsr-3615	117	5	in	in	ADP
fsr-3615	117	6	the	the	DET
fsr-3615	117	7	2021	2021	NUM
fsr-3615	117	8	nfcs	nfc	NOUN
fsr-3615	117	9	datasets	dataset	NOUN
fsr-3615	117	10	were	be	AUX
fsr-3615	117	11	used	use	VERB
fsr-3615	117	12	.	.	PUNCT
fsr-3615	118	1	the	the	DET
fsr-3615	118	2	sample	sample	NOUN
fsr-3615	118	3	weights	weight	NOUN
fsr-3615	118	4	used	use	VERB
fsr-3615	118	5	were	be	AUX
fsr-3615	118	6	representative	representative	NOUN
fsr-3615	118	7	of	of	ADP
fsr-3615	118	8	the	the	DET
fsr-3615	118	9	respondents	respondent	NOUN
fsr-3615	118	10	’	’	PART
fsr-3615	118	11	age	age	NOUN
fsr-3615	118	12	,	,	PUNCT
fsr-3615	118	13	gender	gender	NOUN
fsr-3615	118	14	,	,	PUNCT
fsr-3615	118	15	ethnicity	ethnicity	NOUN
fsr-3615	118	16	,	,	PUNCT
fsr-3615	118	17	education	education	NOUN
fsr-3615	118	18	,	,	PUNCT
fsr-3615	118	19	and	and	CCONJ
fsr-3615	118	20	census	census	NOUN
fsr-3615	118	21	division	division	NOUN
fsr-3615	118	22	based	base	VERB
fsr-3615	118	23	on	on	ADP
fsr-3615	118	24	the	the	DET
fsr-3615	118	25	american	american	PROPN
fsr-3615	118	26	community	community	NOUN
fsr-3615	118	27	survey	survey	NOUN
fsr-3615	118	28	(	(	PUNCT
fsr-3615	118	29	lin	lin	PROPN
fsr-3615	118	30	et	et	PROPN
fsr-3615	118	31	al	al	PROPN
fsr-3615	118	32	.	.	PROPN
fsr-3615	118	33	,	,	PUNCT
fsr-3615	118	34	2022	2022	NUM
fsr-3615	118	35	)	)	PUNCT
fsr-3615	118	36	.	.	PUNCT
fsr-3615	119	1	endogenous	endogenous	ADJ
fsr-3615	119	2	(	(	PUNCT
fsr-3615	119	3	dependent	dependent	ADJ
fsr-3615	119	4	)	)	PUNCT
fsr-3615	119	5	variables	variable	VERB
fsr-3615	119	6	the	the	DET
fsr-3615	119	7	major	major	ADJ
fsr-3615	119	8	dependent	dependent	ADJ
fsr-3615	119	9	variable	variable	NOUN
fsr-3615	119	10	,	,	PUNCT
fsr-3615	119	11	“	"	PUNCT
fsr-3615	119	12	use	use	VERB
fsr-3615	119	13	stimulus	stimulus	ADJ
fsr-3615	119	14	checks	check	NOUN
fsr-3615	119	15	for	for	ADP
fsr-3615	119	16	debt	debt	NOUN
fsr-3615	119	17	payments	payment	NOUN
fsr-3615	119	18	,	,	PUNCT
fsr-3615	119	19	”	"	PUNCT
fsr-3615	119	20	was	be	AUX
fsr-3615	119	21	defined	define	VERB
fsr-3615	119	22	based	base	VERB
fsr-3615	119	23	on	on	ADP
fsr-3615	119	24	two	two	NUM
fsr-3615	119	25	questions	question	NOUN
fsr-3615	119	26	from	from	ADP
fsr-3615	119	27	the	the	DET
fsr-3615	119	28	nfcs	nfcs	PROPN
fsr-3615	119	29	survey	survey	NOUN
fsr-3615	119	30	(	(	PUNCT
fsr-3615	119	31	table	table	NOUN
fsr-3615	119	32	1	1	NUM
fsr-3615	119	33	)	)	PUNCT
fsr-3615	119	34	.	.	PUNCT
fsr-3615	120	1	the	the	DET
fsr-3615	120	2	first	first	ADJ
fsr-3615	120	3	question	question	NOUN
fsr-3615	120	4	was	be	AUX
fsr-3615	120	5	whether	whether	SCONJ
fsr-3615	120	6	one	one	NUM
fsr-3615	120	7	received	receive	VERB
fsr-3615	120	8	stimulus	stimulus	ADJ
fsr-3615	120	9	checks	check	NOUN
fsr-3615	120	10	from	from	ADP
fsr-3615	120	11	the	the	DET
fsr-3615	120	12	federal	federal	ADJ
fsr-3615	120	13	government	government	NOUN
fsr-3615	120	14	.	.	PUNCT
fsr-3615	121	1	respondents	respondent	NOUN
fsr-3615	121	2	were	be	AUX
fsr-3615	121	3	asked	ask	VERB
fsr-3615	121	4	,	,	PUNCT
fsr-3615	121	5	“	"	PUNCT
fsr-3615	121	6	did	do	AUX
fsr-3615	121	7	you	you	PRON
fsr-3615	121	8	receive	receive	VERB
fsr-3615	121	9	a	a	DET
fsr-3615	121	10	pandemic	pandemic	ADV
fsr-3615	121	11	-	-	PUNCT
fsr-3615	121	12	related	relate	VERB
fsr-3615	121	13	stimulus	stimulus	ADJ
fsr-3615	121	14	payment	payment	NOUN
fsr-3615	121	15	from	from	ADP
fsr-3615	121	16	the	the	DET
fsr-3615	121	17	federal	federal	ADJ
fsr-3615	121	18	government	government	NOUN
fsr-3615	121	19	in	in	ADP
fsr-3615	121	20	2021	2021	NUM
fsr-3615	121	21	?	?	PUNCT
fsr-3615	121	22	”	"	PUNCT
fsr-3615	122	1	the	the	DET
fsr-3615	122	2	possible	possible	ADJ
fsr-3615	122	3	responses	response	NOUN
fsr-3615	122	4	to	to	ADP
fsr-3615	122	5	this	this	DET
fsr-3615	122	6	question	question	NOUN
fsr-3615	122	7	were	be	AUX
fsr-3615	122	8	(	(	PUNCT
fsr-3615	122	9	1	1	X
fsr-3615	122	10	)	)	PUNCT
fsr-3615	122	11	yes	yes	INTJ
fsr-3615	122	12	,	,	PUNCT
fsr-3615	122	13	(	(	PUNCT
fsr-3615	122	14	2	2	X
fsr-3615	122	15	)	)	PUNCT
fsr-3615	122	16	no	no	NOUN
fsr-3615	122	17	,	,	PUNCT
fsr-3615	122	18	(	(	PUNCT
fsr-3615	122	19	98	98	NUM
fsr-3615	122	20	)	)	PUNCT
fsr-3615	122	21	do	do	AUX
fsr-3615	122	22	n’t	not	PART
fsr-3615	122	23	know	know	VERB
fsr-3615	122	24	,	,	PUNCT
fsr-3615	122	25	and	and	CCONJ
fsr-3615	122	26	(	(	PUNCT
fsr-3615	122	27	99	99	NUM
fsr-3615	122	28	)	)	PUNCT
fsr-3615	122	29	prefer	prefer	VERB
fsr-3615	122	30	not	not	PART
fsr-3615	122	31	to	to	PART
fsr-3615	122	32	say	say	VERB
fsr-3615	122	33	.	.	PUNCT
fsr-3615	123	1	the	the	DET
fsr-3615	123	2	variable	variable	NOUN
fsr-3615	123	3	was	be	AUX
fsr-3615	123	4	coded	code	VERB
fsr-3615	123	5	as	as	ADP
fsr-3615	123	6	1	1	NUM
fsr-3615	123	7	if	if	SCONJ
fsr-3615	123	8	yes	yes	INTJ
fsr-3615	124	1	and	and	CCONJ
fsr-3615	124	2	as	as	ADP
fsr-3615	124	3	0	0	NUM
fsr-3615	124	4	if	if	SCONJ
fsr-3615	124	5	otherwise	otherwise	ADV
fsr-3615	124	6	.	.	PUNCT
fsr-3615	125	1	only	only	ADV
fsr-3615	125	2	respondents	respondent	NOUN
fsr-3615	125	3	who	who	PRON
fsr-3615	125	4	reported	report	VERB
fsr-3615	125	5	“	"	PUNCT
fsr-3615	125	6	yesto	yesto	NOUN
fsr-3615	125	7	receiving	receive	VERB
fsr-3615	125	8	stimulus	stimulus	ADJ
fsr-3615	125	9	checks	check	NOUN
fsr-3615	125	10	,	,	PUNCT
fsr-3615	125	11	were	be	AUX
fsr-3615	125	12	captured	capture	VERB
fsr-3615	125	13	in	in	ADP
fsr-3615	125	14	this	this	DET
fsr-3615	125	15	study	study	NOUN
fsr-3615	125	16	.	.	PUNCT
fsr-3615	126	1	a	a	DET
fsr-3615	126	2	follow	follow	VERB
fsr-3615	126	3	-	-	PUNCT
fsr-3615	126	4	up	up	ADP
fsr-3615	126	5	question	question	NOUN
fsr-3615	126	6	was	be	AUX
fsr-3615	126	7	presented	present	VERB
fsr-3615	126	8	to	to	ADP
fsr-3615	126	9	respondents	respondent	NOUN
fsr-3615	126	10	who	who	PRON
fsr-3615	126	11	answered	answer	VERB
fsr-3615	126	12	(	(	PUNCT
fsr-3615	126	13	1	1	NUM
fsr-3615	126	14	)	)	PUNCT
fsr-3615	126	15	yes	yes	INTJ
fsr-3615	126	16	to	to	ADP
fsr-3615	126	17	the	the	DET
fsr-3615	126	18	question	question	NOUN
fsr-3615	126	19	of	of	ADP
fsr-3615	126	20	“	"	PUNCT
fsr-3615	126	21	did	do	AUX
fsr-3615	126	22	you	you	PRON
fsr-3615	126	23	receive	receive	VERB
fsr-3615	126	24	a	a	DET
fsr-3615	126	25	pandemic	pandemic	ADV
fsr-3615	126	26	-	-	PUNCT
fsr-3615	126	27	related	relate	VERB
fsr-3615	126	28	stimulus	stimulus	ADJ
fsr-3615	126	29	payment	payment	NOUN
fsr-3615	126	30	from	from	ADP
fsr-3615	126	31	the	the	DET
fsr-3615	126	32	federal	federal	ADJ
fsr-3615	126	33	government	government	NOUN
fsr-3615	126	34	in	in	ADP
fsr-3615	126	35	2021	2021	NUM
fsr-3615	126	36	?	?	PUNCT
fsr-3615	126	37	”	"	PUNCT
fsr-3615	127	1	these	these	DET
fsr-3615	127	2	respondents	respondent	NOUN
fsr-3615	127	3	were	be	AUX
fsr-3615	127	4	subsequently	subsequently	ADV
fsr-3615	127	5	asked	ask	VERB
fsr-3615	127	6	,	,	PUNCT
fsr-3615	127	7	“	"	PUNCT
fsr-3615	127	8	what	what	PRON
fsr-3615	127	9	did	do	AUX
fsr-3615	127	10	you	you	PRON
fsr-3615	127	11	use	use	VERB
fsr-3615	127	12	the	the	DET
fsr-3615	127	13	money	money	NOUN
fsr-3615	127	14	for	for	ADP
fsr-3615	127	15	?	?	PUNCT
fsr-3615	127	16	”	"	PUNCT
fsr-3615	128	1	the	the	DET
fsr-3615	128	2	variable	variable	NOUN
fsr-3615	128	3	was	be	AUX
fsr-3615	128	4	coded	code	VERB
fsr-3615	128	5	as	as	ADP
fsr-3615	128	6	1	1	NUM
fsr-3615	128	7	if	if	SCONJ
fsr-3615	128	8	“	"	PUNCT
fsr-3615	128	9	paid	pay	VERB
fsr-3615	128	10	down	down	ADP
fsr-3615	128	11	debt	debt	NOUN
fsr-3615	128	12	”	"	PUNCT
fsr-3615	128	13	was	be	AUX
fsr-3615	128	14	ouyang	ouyang	PROPN
fsr-3615	128	15	et	et	PROPN
fsr-3615	128	16	al	al	PROPN
fsr-3615	128	17	.	.	PROPN
fsr-3615	128	18	7	7	NUM
fsr-3615	128	19	selected	select	VERB
fsr-3615	128	20	as	as	ADP
fsr-3615	128	21	one	one	NUM
fsr-3615	128	22	of	of	ADP
fsr-3615	128	23	their	their	PRON
fsr-3615	128	24	uses	use	NOUN
fsr-3615	128	25	of	of	ADP
fsr-3615	128	26	stimulus	stimulus	ADJ
fsr-3615	128	27	checks	check	NOUN
fsr-3615	128	28	;	;	PUNCT
fsr-3615	128	29	the	the	DET
fsr-3615	128	30	variable	variable	NOUN
fsr-3615	128	31	was	be	AUX
fsr-3615	128	32	coded	code	VERB
fsr-3615	128	33	as	as	ADP
fsr-3615	128	34	0	0	NUM
fsr-3615	128	35	if	if	SCONJ
fsr-3615	128	36	this	this	PRON
fsr-3615	128	37	was	be	AUX
fsr-3615	128	38	not	not	PART
fsr-3615	128	39	the	the	DET
fsr-3615	128	40	case	case	NOUN
fsr-3615	128	41	.	.	PUNCT
fsr-3615	129	1	observations	observation	NOUN
fsr-3615	129	2	with	with	ADP
fsr-3615	129	3	‘	'	PUNCT
fsr-3615	129	4	do	do	AUX
fsr-3615	129	5	n’t	not	PART
fsr-3615	129	6	know	know	VERB
fsr-3615	129	7	’	'	PUNCT
fsr-3615	129	8	and	and	CCONJ
fsr-3615	129	9	‘	'	PUNCT
fsr-3615	129	10	prefer	prefer	VERB
fsr-3615	129	11	not	not	PART
fsr-3615	129	12	to	to	PART
fsr-3615	129	13	say	say	VERB
fsr-3615	129	14	’	'	PUNCT
fsr-3615	129	15	responses	response	NOUN
fsr-3615	129	16	were	be	AUX
fsr-3615	129	17	dropped	drop	VERB
fsr-3615	129	18	from	from	ADP
fsr-3615	129	19	analyses	analysis	NOUN
fsr-3615	129	20	.	.	PUNCT
fsr-3615	130	1	exogenous	exogenous	ADJ
fsr-3615	130	2	(	(	PUNCT
fsr-3615	130	3	independent	independent	ADJ
fsr-3615	130	4	)	)	PUNCT
fsr-3615	130	5	variables	variable	NOUN
fsr-3615	130	6	periods	period	NOUN
fsr-3615	130	7	of	of	ADP
fsr-3615	130	8	income	income	NOUN
fsr-3615	130	9	shock	shock	NOUN
fsr-3615	130	10	have	have	AUX
fsr-3615	130	11	been	be	AUX
fsr-3615	130	12	associated	associate	VERB
fsr-3615	130	13	with	with	ADP
fsr-3615	130	14	increased	increase	VERB
fsr-3615	130	15	savings	saving	NOUN
fsr-3615	130	16	in	in	ADP
fsr-3615	130	17	past	past	ADJ
fsr-3615	130	18	literature	literature	PROPN
fsr-3615	130	19	(	(	PUNCT
fsr-3615	130	20	abdelrahman	abdelrahman	PROPN
fsr-3615	130	21	&	&	CCONJ
fsr-3615	130	22	oliveira	oliveira	PROPN
fsr-3615	130	23	,	,	PUNCT
fsr-3615	130	24	2023	2023	NUM
fsr-3615	130	25	;	;	PUNCT
fsr-3615	130	26	cox	cox	PROPN
fsr-3615	130	27	et	et	PROPN
fsr-3615	130	28	al	al	PROPN
fsr-3615	130	29	.	.	PROPN
fsr-3615	130	30	,	,	PUNCT
fsr-3615	130	31	2020	2020	NUM
fsr-3615	130	32	;	;	PUNCT
fsr-3615	130	33	immordino	immordino	NOUN
fsr-3615	130	34	et	et	PROPN
fsr-3615	130	35	al	al	PROPN
fsr-3615	130	36	.	.	PROPN
fsr-3615	130	37	,	,	PUNCT
fsr-3615	130	38	2022	2022	NUM
fsr-3615	130	39	)	)	PUNCT
fsr-3615	130	40	.	.	PUNCT
fsr-3615	131	1	hence	hence	ADV
fsr-3615	131	2	,	,	PUNCT
fsr-3615	131	3	income	income	NOUN
fsr-3615	131	4	shock	shock	NOUN
fsr-3615	131	5	was	be	AUX
fsr-3615	131	6	included	include	VERB
fsr-3615	131	7	as	as	ADP
fsr-3615	131	8	a	a	DET
fsr-3615	131	9	control	control	NOUN
fsr-3615	131	10	variable	variable	NOUN
fsr-3615	131	11	for	for	ADP
fsr-3615	131	12	the	the	DET
fsr-3615	131	13	empirical	empirical	ADJ
fsr-3615	131	14	analyses	analysis	NOUN
fsr-3615	131	15	of	of	ADP
fsr-3615	131	16	this	this	DET
fsr-3615	131	17	study	study	NOUN
fsr-3615	131	18	.	.	PUNCT
fsr-3615	132	1	negative	negative	ADJ
fsr-3615	132	2	income	income	NOUN
fsr-3615	132	3	shock	shock	NOUN
fsr-3615	132	4	,	,	PUNCT
fsr-3615	132	5	or	or	CCONJ
fsr-3615	132	6	income	income	NOUN
fsr-3615	132	7	drop	drop	NOUN
fsr-3615	132	8	during	during	ADP
fsr-3615	132	9	covid-19	covid-19	PROPN
fsr-3615	132	10	,	,	PUNCT
fsr-3615	132	11	was	be	AUX
fsr-3615	132	12	assessed	assess	VERB
fsr-3615	132	13	based	base	VERB
fsr-3615	132	14	on	on	ADP
fsr-3615	132	15	the	the	DET
fsr-3615	132	16	question	question	NOUN
fsr-3615	132	17	(	(	PUNCT
fsr-3615	132	18	table	table	NOUN
fsr-3615	132	19	1	1	NUM
fsr-3615	132	20	)	)	PUNCT
fsr-3615	132	21	,	,	PUNCT
fsr-3615	132	22	“	"	PUNCT
fsr-3615	132	23	in	in	ADP
fsr-3615	132	24	the	the	DET
fsr-3615	132	25	past	past	ADJ
fsr-3615	132	26	12	12	NUM
fsr-3615	132	27	months	month	NOUN
fsr-3615	132	28	[	[	X
fsr-3615	132	29	have	have	AUX
fsr-3615	132	30	you	you	PRON
fsr-3615	132	31	/	/	PUNCT
fsr-3615	132	32	has	have	AUX
fsr-3615	132	33	your	your	PRON
fsr-3615	132	34	household	household	NOUN
fsr-3615	132	35	]	]	PUNCT
fsr-3615	132	36	experienced	experience	VERB
fsr-3615	132	37	a	a	DET
fsr-3615	132	38	large	large	ADJ
fsr-3615	132	39	drop	drop	NOUN
fsr-3615	132	40	in	in	ADP
fsr-3615	132	41	income	income	NOUN
fsr-3615	132	42	which	which	PRON
fsr-3615	132	43	you	you	PRON
fsr-3615	132	44	did	do	AUX
fsr-3615	132	45	not	not	PART
fsr-3615	132	46	expect	expect	VERB
fsr-3615	132	47	?	?	PUNCT
fsr-3615	132	48	”	"	PUNCT
fsr-3615	133	1	possible	possible	ADJ
fsr-3615	133	2	options	option	NOUN
fsr-3615	133	3	were	be	AUX
fsr-3615	133	4	(	(	PUNCT
fsr-3615	133	5	1	1	X
fsr-3615	133	6	)	)	PUNCT
fsr-3615	134	1	yes	yes	INTJ
fsr-3615	134	2	,	,	PUNCT
fsr-3615	134	3	(	(	PUNCT
fsr-3615	134	4	2	2	X
fsr-3615	134	5	)	)	PUNCT
fsr-3615	134	6	no	no	NOUN
fsr-3615	134	7	/	/	SYM
fsr-3615	134	8	not	not	PART
fsr-3615	134	9	applicable	applicable	ADJ
fsr-3615	134	10	,	,	PUNCT
fsr-3615	134	11	(	(	PUNCT
fsr-3615	134	12	98	98	NUM
fsr-3615	134	13	)	)	PUNCT
fsr-3615	134	14	do	do	AUX
fsr-3615	134	15	n’t	not	PART
fsr-3615	134	16	know	know	VERB
fsr-3615	134	17	and	and	CCONJ
fsr-3615	134	18	(	(	PUNCT
fsr-3615	134	19	99	99	NUM
fsr-3615	134	20	)	)	PUNCT
fsr-3615	134	21	prefer	prefer	VERB
fsr-3615	134	22	not	not	PART
fsr-3615	134	23	to	to	PART
fsr-3615	134	24	say	say	VERB
fsr-3615	134	25	.	.	PUNCT
fsr-3615	135	1	a	a	DET
fsr-3615	135	2	binary	binary	ADJ
fsr-3615	135	3	indicator	indicator	NOUN
fsr-3615	135	4	was	be	AUX
fsr-3615	135	5	created	create	VERB
fsr-3615	135	6	and	and	CCONJ
fsr-3615	135	7	‘	'	PUNCT
fsr-3615	135	8	do	do	AUX
fsr-3615	135	9	n’t	not	PART
fsr-3615	135	10	know	know	VERB
fsr-3615	135	11	’	'	PUNCT
fsr-3615	135	12	and	and	CCONJ
fsr-3615	135	13	‘	'	PUNCT
fsr-3615	135	14	prefer	prefer	VERB
fsr-3615	135	15	not	not	PART
fsr-3615	135	16	to	to	PART
fsr-3615	135	17	say	say	VERB
fsr-3615	135	18	’	'	PUNCT
fsr-3615	135	19	responses	response	NOUN
fsr-3615	135	20	were	be	AUX
fsr-3615	135	21	dropped	drop	VERB
fsr-3615	135	22	from	from	ADP
fsr-3615	135	23	the	the	DET
fsr-3615	135	24	analyses	analysis	NOUN
fsr-3615	135	25	.	.	PUNCT
fsr-3615	136	1	mediator	mediator	NOUN
fsr-3615	136	2	previous	previous	ADJ
fsr-3615	136	3	studies	study	NOUN
fsr-3615	136	4	have	have	AUX
fsr-3615	136	5	found	find	VERB
fsr-3615	136	6	that	that	SCONJ
fsr-3615	136	7	a	a	DET
fsr-3615	136	8	household	household	NOUN
fsr-3615	136	9	’s	’s	PART
fsr-3615	136	10	money	money	NOUN
fsr-3615	136	11	attitude	attitude	NOUN
fsr-3615	136	12	,	,	PUNCT
fsr-3615	136	13	encompassing	encompass	VERB
fsr-3615	136	14	aspects	aspect	NOUN
fsr-3615	136	15	such	such	ADJ
fsr-3615	136	16	as	as	ADP
fsr-3615	136	17	money	money	NOUN
fsr-3615	136	18	anxiety	anxiety	NOUN
fsr-3615	136	19	and	and	CCONJ
fsr-3615	136	20	money	money	NOUN
fsr-3615	136	21	confidence	confidence	NOUN
fsr-3615	136	22	,	,	PUNCT
fsr-3615	136	23	mediates	mediate	VERB
fsr-3615	136	24	their	their	PRON
fsr-3615	136	25	financial	financial	ADJ
fsr-3615	136	26	behaviors	behavior	NOUN
fsr-3615	136	27	(	(	PUNCT
fsr-3615	136	28	forbes	forbes	PROPN
fsr-3615	136	29	&	&	CCONJ
fsr-3615	136	30	kara	kara	PROPN
fsr-3615	136	31	,	,	PUNCT
fsr-3615	136	32	2010	2010	NUM
fsr-3615	136	33	;	;	PUNCT
fsr-3615	136	34	gasiorowska	gasiorowska	PROPN
fsr-3615	136	35	,	,	PUNCT
fsr-3615	136	36	2014	2014	NUM
fsr-3615	136	37	;	;	PUNCT
fsr-3615	136	38	heo	heo	PROPN
fsr-3615	136	39	et	et	PROPN
fsr-3615	136	40	al	al	PROPN
fsr-3615	136	41	.	.	PROPN
fsr-3615	136	42	,	,	PUNCT
fsr-3615	136	43	2016	2016	NUM
fsr-3615	136	44	;	;	PUNCT
fsr-3615	136	45	hayes	hayes	PROPN
fsr-3615	136	46	,	,	PUNCT
fsr-3615	136	47	2013	2013	NUM
fsr-3615	136	48	;	;	PUNCT
fsr-3615	136	49	tang	tang	PROPN
fsr-3615	136	50	,	,	PUNCT
fsr-3615	136	51	et	et	PROPN
fsr-3615	136	52	al	al	PROPN
fsr-3615	136	53	.	.	PROPN
fsr-3615	136	54	,	,	PUNCT
fsr-3615	136	55	2005	2005	NUM
fsr-3615	136	56	)	)	PUNCT
fsr-3615	136	57	.	.	PUNCT
fsr-3615	137	1	respondents	respondent	NOUN
fsr-3615	137	2	’	'	PUNCT
fsr-3615	137	3	attitudes	attitude	NOUN
fsr-3615	137	4	toward	toward	ADP
fsr-3615	137	5	their	their	PRON
fsr-3615	137	6	household	household	NOUN
fsr-3615	137	7	finances	finance	NOUN
fsr-3615	137	8	were	be	AUX
fsr-3615	137	9	measured	measure	VERB
fsr-3615	137	10	based	base	VERB
fsr-3615	137	11	on	on	ADP
fsr-3615	137	12	a	a	DET
fsr-3615	137	13	survey	survey	NOUN
fsr-3615	137	14	question	question	NOUN
fsr-3615	137	15	about	about	ADP
fsr-3615	137	16	self	self	NOUN
fsr-3615	137	17	-	-	PUNCT
fsr-3615	137	18	assessed	assess	VERB
fsr-3615	137	19	financial	financial	ADJ
fsr-3615	137	20	control	control	NOUN
fsr-3615	137	21	which	which	PRON
fsr-3615	137	22	reads	read	VERB
fsr-3615	137	23	,	,	PUNCT
fsr-3615	137	24	“	"	PUNCT
fsr-3615	137	25	my	my	PRON
fsr-3615	137	26	finances	finance	NOUN
fsr-3615	137	27	control	control	VERB
fsr-3615	137	28	my	my	PRON
fsr-3615	137	29	life	life	NOUN
fsr-3615	137	30	,	,	PUNCT
fsr-3615	137	31	”	"	PUNCT
fsr-3615	137	32	with	with	ADP
fsr-3615	137	33	answers	answer	NOUN
fsr-3615	137	34	ranging	range	VERB
fsr-3615	137	35	from	from	ADP
fsr-3615	137	36	1	1	NUM
fsr-3615	137	37	to	to	ADP
fsr-3615	137	38	5	5	NUM
fsr-3615	137	39	.	.	PUNCT
fsr-3615	138	1	a	a	DET
fsr-3615	138	2	higher	high	ADJ
fsr-3615	138	3	score	score	NOUN
fsr-3615	138	4	indicates	indicate	VERB
fsr-3615	138	5	a	a	DET
fsr-3615	138	6	respondent	respondent	NOUN
fsr-3615	138	7	perceived	perceive	VERB
fsr-3615	138	8	a	a	DET
fsr-3615	138	9	greater	great	ADJ
fsr-3615	138	10	lack	lack	NOUN
fsr-3615	138	11	of	of	ADP
fsr-3615	138	12	control	control	NOUN
fsr-3615	138	13	over	over	ADP
fsr-3615	138	14	their	their	PRON
fsr-3615	138	15	finances	finance	NOUN
fsr-3615	138	16	(	(	PUNCT
fsr-3615	138	17	see	see	VERB
fsr-3615	138	18	table	table	NOUN
fsr-3615	138	19	1	1	NUM
fsr-3615	138	20	)	)	PUNCT
fsr-3615	138	21	.	.	PUNCT
fsr-3615	139	1	control	control	NOUN
fsr-3615	139	2	variables	variable	NOUN
fsr-3615	139	3	sociodemographic	sociodemographic	ADJ
fsr-3615	139	4	variables	variable	NOUN
fsr-3615	139	5	including	include	VERB
fsr-3615	139	6	age	age	NOUN
fsr-3615	139	7	,	,	PUNCT
fsr-3615	139	8	gender	gender	NOUN
fsr-3615	139	9	,	,	PUNCT
fsr-3615	139	10	race	race	NOUN
fsr-3615	139	11	/	/	SYM
fsr-3615	139	12	ethnicity	ethnicity	NOUN
fsr-3615	139	13	,	,	PUNCT
fsr-3615	139	14	number	number	NOUN
fsr-3615	139	15	of	of	ADP
fsr-3615	139	16	financial	financial	ADJ
fsr-3615	139	17	dependents	dependent	NOUN
fsr-3615	139	18	,	,	PUNCT
fsr-3615	139	19	education	education	NOUN
fsr-3615	139	20	,	,	PUNCT
fsr-3615	139	21	employment	employment	NOUN
fsr-3615	139	22	status	status	NOUN
fsr-3615	139	23	,	,	PUNCT
fsr-3615	139	24	marital	marital	ADJ
fsr-3615	139	25	status	status	NOUN
fsr-3615	139	26	of	of	ADP
fsr-3615	139	27	the	the	DET
fsr-3615	139	28	respondent	respondent	NOUN
fsr-3615	139	29	,	,	PUNCT
fsr-3615	139	30	homeownership	homeownership	NOUN
fsr-3615	139	31	,	,	PUNCT
fsr-3615	139	32	and	and	CCONJ
fsr-3615	139	33	household	household	NOUN
fsr-3615	139	34	income	income	NOUN
fsr-3615	139	35	were	be	AUX
fsr-3615	139	36	controlled	control	VERB
fsr-3615	139	37	because	because	SCONJ
fsr-3615	139	38	of	of	ADP
fsr-3615	139	39	their	their	PRON
fsr-3615	139	40	association	association	NOUN
fsr-3615	139	41	with	with	ADP
fsr-3615	139	42	financial	financial	ADJ
fsr-3615	139	43	decision	decision	NOUN
fsr-3615	139	44	making	make	VERB
fsr-3615	139	45	in	in	ADP
fsr-3615	139	46	past	past	ADJ
fsr-3615	139	47	literature	literature	NOUN
fsr-3615	139	48	(	(	PUNCT
fsr-3615	139	49	grable	grable	PROPN
fsr-3615	139	50	et	et	PROPN
fsr-3615	139	51	al	al	PROPN
fsr-3615	139	52	.	.	PROPN
fsr-3615	139	53	,	,	PUNCT
fsr-3615	139	54	2009	2009	NUM
fsr-3615	139	55	;	;	PUNCT
fsr-3615	139	56	grable	grable	PROPN
fsr-3615	139	57	et	et	PROPN
fsr-3615	139	58	al	al	PROPN
fsr-3615	139	59	.	.	PROPN
fsr-3615	139	60	,	,	PUNCT
fsr-3615	139	61	2023	2023	NUM
fsr-3615	139	62	;	;	PUNCT
fsr-3615	139	63	ouyang	ouyang	PROPN
fsr-3615	139	64	&	&	CCONJ
fsr-3615	139	65	hanna	hanna	PROPN
fsr-3615	139	66	,	,	PUNCT
fsr-3615	139	67	2022	2022	NUM
fsr-3615	139	68	)	)	PUNCT
fsr-3615	139	69	.	.	PUNCT
fsr-3615	140	1	other	other	ADJ
fsr-3615	140	2	household	household	NOUN
fsr-3615	140	3	factors	factor	NOUN
fsr-3615	140	4	related	relate	VERB
fsr-3615	140	5	to	to	ADP
fsr-3615	140	6	the	the	DET
fsr-3615	140	7	presence	presence	NOUN
fsr-3615	140	8	of	of	ADP
fsr-3615	140	9	an	an	DET
fsr-3615	140	10	emergency	emergency	NOUN
fsr-3615	140	11	fund	fund	NOUN
fsr-3615	140	12	,	,	PUNCT
fsr-3615	140	13	financial	financial	ADJ
fsr-3615	140	14	strains	strain	NOUN
fsr-3615	140	15	,	,	PUNCT
fsr-3615	140	16	objective	objective	ADJ
fsr-3615	140	17	and	and	CCONJ
fsr-3615	140	18	subjective	subjective	ADJ
fsr-3615	140	19	financial	financial	ADJ
fsr-3615	140	20	knowledge	knowledge	NOUN
fsr-3615	140	21	4	4	NUM
fsr-3615	140	22	,	,	PUNCT
fsr-3615	140	23	and	and	CCONJ
fsr-3615	140	24	subjective	subjective	ADJ
fsr-3615	140	25	credit	credit	NOUN
fsr-3615	140	26	record	record	NOUN
fsr-3615	140	27	because	because	SCONJ
fsr-3615	140	28	of	of	ADP
fsr-3615	140	29	their	their	PRON
fsr-3615	140	30	expected	expect	VERB
fsr-3615	140	31	association	association	NOUN
fsr-3615	140	32	with	with	ADP
fsr-3615	140	33	financial	financial	ADJ
fsr-3615	140	34	behaviors	behavior	NOUN
fsr-3615	140	35	and	and	CCONJ
fsr-3615	140	36	outcomes	outcome	NOUN
fsr-3615	140	37	(	(	PUNCT
fsr-3615	140	38	fan	fan	PROPN
fsr-3615	140	39	&	&	CCONJ
fsr-3615	140	40	chatterjee	chatterjee	PROPN
fsr-3615	140	41	,	,	PUNCT
fsr-3615	140	42	2017	2017	NUM
fsr-3615	140	43	;	;	PUNCT
fsr-3615	140	44	grable	grable	PROPN
fsr-3615	140	45	&	&	CCONJ
fsr-3615	140	46	palmer	palmer	PROPN
fsr-3615	140	47	,	,	PUNCT
fsr-3615	140	48	2022	2022	NUM
fsr-3615	140	49	;	;	PUNCT
fsr-3615	140	50	lee	lee	PROPN
fsr-3615	140	51	et	et	PROPN
fsr-3615	140	52	al	al	PROPN
fsr-3615	140	53	.	.	PROPN
fsr-3615	140	54	,	,	PUNCT
fsr-3615	140	55	2023	2023	NUM
fsr-3615	140	56	;	;	PUNCT
fsr-3615	140	57	liu	liu	PROPN
fsr-3615	140	58	et	et	PROPN
fsr-3615	140	59	al	al	PROPN
fsr-3615	140	60	.	.	PROPN
fsr-3615	140	61	,	,	PUNCT
fsr-3615	140	62	2021	2021	NUM
fsr-3615	140	63	)	)	PUNCT
fsr-3615	140	64	.	.	PUNCT
fsr-3615	141	1	4	4	NUM
fsr-3615	141	2	subjective	subjective	ADJ
fsr-3615	141	3	financial	financial	ADJ
fsr-3615	141	4	knowledge	knowledge	NOUN
fsr-3615	141	5	responses	response	NOUN
fsr-3615	141	6	ranged	range	VERB
fsr-3615	141	7	from	from	ADP
fsr-3615	141	8	1	1	NUM
fsr-3615	141	9	-	-	SYM
fsr-3615	141	10	7	7	NUM
fsr-3615	141	11	:	:	PUNCT
fsr-3615	141	12	“	"	PUNCT
fsr-3615	141	13	on	on	ADP
fsr-3615	141	14	a	a	DET
fsr-3615	141	15	scale	scale	NOUN
fsr-3615	141	16	from	from	ADP
fsr-3615	141	17	1	1	NUM
fsr-3615	141	18	to	to	ADP
fsr-3615	141	19	7	7	NUM
fsr-3615	141	20	,	,	PUNCT
fsr-3615	141	21	where	where	SCONJ
fsr-3615	141	22	1	1	NUM
fsr-3615	141	23	means	mean	VERB
fsr-3615	141	24	very	very	ADV
fsr-3615	141	25	low	low	ADJ
fsr-3615	141	26	and	and	CCONJ
fsr-3615	141	27	7	7	NUM
fsr-3615	141	28	means	mean	VERB
fsr-3615	141	29	very	very	ADV
fsr-3615	141	30	high	high	ADJ
fsr-3615	141	31	,	,	PUNCT
fsr-3615	141	32	how	how	SCONJ
fsr-3615	141	33	would	would	AUX
fsr-3615	141	34	you	you	PRON
fsr-3615	141	35	assess	assess	VERB
fsr-3615	141	36	your	your	PRON
fsr-3615	141	37	overall	overall	ADJ
fsr-3615	141	38	financial	financial	ADJ
fsr-3615	141	39	knowledge	knowledge	NOUN
fsr-3615	141	40	?	?	PUNCT
fsr-3615	141	41	”	"	PUNCT
fsr-3615	142	1	(	(	PUNCT
fsr-3615	142	2	nfcs	nfc	NOUN
fsr-3615	142	3	,	,	PUNCT
fsr-3615	142	4	2021	2021	NUM
fsr-3615	142	5	)	)	PUNCT
fsr-3615	142	6	.	.	PUNCT
fsr-3615	143	1	objective	objective	ADJ
fsr-3615	143	2	financial	financial	ADJ
fsr-3615	143	3	knowledge	knowledge	NOUN
fsr-3615	143	4	was	be	AUX
fsr-3615	143	5	computed	compute	VERB
fsr-3615	143	6	based	base	VERB
fsr-3615	143	7	on	on	ADP
fsr-3615	143	8	respondents	respondent	NOUN
fsr-3615	143	9	’	'	PUNCT
fsr-3615	143	10	correct	correct	ADJ
fsr-3615	143	11	answers	answer	NOUN
fsr-3615	143	12	to	to	ADP
fsr-3615	143	13	seven	seven	NUM
fsr-3615	143	14	financial	financial	ADJ
fsr-3615	143	15	knowledge	knowledge	NOUN
fsr-3615	143	16	related	relate	VERB
fsr-3615	143	17	questions	question	NOUN
fsr-3615	143	18	.	.	PUNCT
fsr-3615	144	1	the	the	DET
fsr-3615	144	2	scores	score	NOUN
fsr-3615	144	3	ranged	range	VERB
fsr-3615	144	4	from	from	ADP
fsr-3615	144	5	0	0	NUM
fsr-3615	144	6	(	(	PUNCT
fsr-3615	144	7	incorrect	incorrect	ADJ
fsr-3615	144	8	answers	answer	NOUN
fsr-3615	144	9	to	to	ADP
fsr-3615	144	10	all	all	DET
fsr-3615	144	11	seven	seven	NUM
fsr-3615	144	12	questions	question	NOUN
fsr-3615	144	13	)	)	PUNCT
fsr-3615	144	14	to	to	ADP
fsr-3615	144	15	7	7	NUM
fsr-3615	144	16	(	(	PUNCT
fsr-3615	144	17	correct	correct	ADJ
fsr-3615	144	18	answers	answer	NOUN
fsr-3615	144	19	to	to	ADP
fsr-3615	144	20	all	all	DET
fsr-3615	144	21	seven	seven	NUM
fsr-3615	144	22	financial	financial	ADJ
fsr-3615	144	23	knowledge	knowledge	NOUN
fsr-3615	144	24	questions	question	NOUN
fsr-3615	144	25	)	)	PUNCT
fsr-3615	144	26	(	(	PUNCT
fsr-3615	144	27	nfcs	nfc	NOUN
fsr-3615	144	28	,	,	PUNCT
fsr-3615	144	29	2021	2021	NUM
fsr-3615	144	30	)	)	PUNCT
fsr-3615	144	31	.	.	PUNCT
fsr-3615	145	1	the	the	DET
fsr-3615	145	2	financial	financial	ADJ
fsr-3615	145	3	knowledge	knowledge	NOUN
fsr-3615	145	4	questions	question	NOUN
fsr-3615	145	5	are	be	AUX
fsr-3615	145	6	described	describe	VERB
fsr-3615	145	7	in	in	ADP
fsr-3615	145	8	appendix	appendix	NOUN
fsr-3615	145	9	a	a	PRON
fsr-3615	145	10	)	)	PUNCT
fsr-3615	145	11	.	.	PUNCT
fsr-3615	146	1	financial	financial	ADJ
fsr-3615	146	2	services	services	PROPN
fsr-3615	146	3	review	review	PROPN
fsr-3615	146	4	,	,	PUNCT
fsr-3615	146	5	33(1	33(1	NUM
fsr-3615	146	6	)	)	PUNCT
fsr-3615	146	7	8	8	NUM
fsr-3615	146	8	table	table	NOUN
fsr-3615	146	9	1	1	NUM
fsr-3615	146	10	.	.	PUNCT
fsr-3615	146	11	overview	overview	NOUN
fsr-3615	146	12	and	and	CCONJ
fsr-3615	146	13	descriptions	description	NOUN
fsr-3615	146	14	of	of	ADP
fsr-3615	146	15	key	key	ADJ
fsr-3615	146	16	variables	variable	NOUN
fsr-3615	146	17	used	use	VERB
fsr-3615	146	18	in	in	ADP
fsr-3615	146	19	the	the	DET
fsr-3615	146	20	empirical	empirical	ADJ
fsr-3615	146	21	analysis	analysis	NOUN
fsr-3615	146	22	variables	variable	VERB
fsr-3615	146	23	description	description	NOUN
fsr-3615	146	24	exogenous	exogenous	ADJ
fsr-3615	146	25	(	(	PUNCT
fsr-3615	146	26	independent	independent	ADJ
fsr-3615	146	27	)	)	PUNCT
fsr-3615	146	28	variables	variable	NOUN
fsr-3615	146	29	income	income	NOUN
fsr-3615	146	30	drop	drop	VERB
fsr-3615	146	31	answers	answer	NOUN
fsr-3615	146	32	based	base	VERB
fsr-3615	146	33	on	on	ADP
fsr-3615	146	34	question	question	NOUN
fsr-3615	146	35	:	:	PUNCT
fsr-3615	146	36	“	"	PUNCT
fsr-3615	146	37	in	in	ADP
fsr-3615	146	38	the	the	DET
fsr-3615	146	39	past	past	ADJ
fsr-3615	146	40	12	12	NUM
fsr-3615	146	41	months	month	NOUN
fsr-3615	146	42	,	,	PUNCT
fsr-3615	146	43	[	[	X
fsr-3615	146	44	have	have	AUX
fsr-3615	146	45	you	you	PRON
fsr-3615	146	46	/	/	PUNCT
fsr-3615	146	47	has	have	AUX
fsr-3615	146	48	your	your	PRON
fsr-3615	146	49	household	household	NOUN
fsr-3615	146	50	]	]	PUNCT
fsr-3615	146	51	experienced	experience	VERB
fsr-3615	146	52	a	a	DET
fsr-3615	146	53	large	large	ADJ
fsr-3615	146	54	drop	drop	NOUN
fsr-3615	146	55	in	in	ADP
fsr-3615	146	56	income	income	NOUN
fsr-3615	146	57	which	which	PRON
fsr-3615	146	58	you	you	PRON
fsr-3615	146	59	did	do	AUX
fsr-3615	146	60	not	not	PART
fsr-3615	146	61	expect	expect	VERB
fsr-3615	146	62	?	?	PUNCT
fsr-3615	146	63	”	"	PUNCT
fsr-3615	147	1	yes	yes	INTJ
fsr-3615	147	2	was	be	AUX
fsr-3615	147	3	coded	code	VERB
fsr-3615	147	4	as	as	ADP
fsr-3615	147	5	1	1	NUM
fsr-3615	147	6	,	,	PUNCT
fsr-3615	147	7	otherwise	otherwise	ADV
fsr-3615	147	8	0	0	X
fsr-3615	147	9	.	.	PUNCT
fsr-3615	148	1	mediator	mediator	NOUN
fsr-3615	148	2	variable	variable	NOUN
fsr-3615	148	3	perceived	perceive	VERB
fsr-3615	148	4	lack	lack	NOUN
fsr-3615	148	5	of	of	ADP
fsr-3615	148	6	financial	financial	ADJ
fsr-3615	148	7	control	control	NOUN
fsr-3615	148	8	self	self	NOUN
fsr-3615	148	9	-	-	PUNCT
fsr-3615	148	10	reported	report	VERB
fsr-3615	148	11	scale	scale	NOUN
fsr-3615	148	12	from	from	ADP
fsr-3615	148	13	1	1	NUM
fsr-3615	148	14	–	–	SYM
fsr-3615	148	15	5	5	NUM
fsr-3615	148	16	based	base	VERB
fsr-3615	148	17	on	on	ADP
fsr-3615	148	18	the	the	DET
fsr-3615	148	19	statement	statement	NOUN
fsr-3615	148	20	:	:	PUNCT
fsr-3615	148	21	“	"	PUNCT
fsr-3615	148	22	my	my	PRON
fsr-3615	148	23	finances	finance	NOUN
fsr-3615	148	24	control	control	VERB
fsr-3615	148	25	my	my	PRON
fsr-3615	148	26	life	life	NOUN
fsr-3615	148	27	”	"	PUNCT
fsr-3615	148	28	was	be	AUX
fsr-3615	148	29	recorded	record	VERB
fsr-3615	148	30	and	and	CCONJ
fsr-3615	148	31	normalized	normalize	VERB
fsr-3615	148	32	.	.	PUNCT
fsr-3615	149	1	where	where	SCONJ
fsr-3615	149	2	“	"	PUNCT
fsr-3615	149	3	1	1	NUM
fsr-3615	149	4	”	"	PUNCT
fsr-3615	149	5	means	mean	VERB
fsr-3615	149	6	to	to	ADP
fsr-3615	149	7	as	as	SCONJ
fsr-3615	149	8	“	"	PUNCT
fsr-3615	149	9	never	never	ADV
fsr-3615	149	10	”	"	PUNCT
fsr-3615	149	11	,	,	PUNCT
fsr-3615	149	12	“	"	PUNCT
fsr-3615	149	13	2	2	NUM
fsr-3615	149	14	”	"	PUNCT
fsr-3615	149	15	means	mean	VERB
fsr-3615	149	16	“	"	PUNCT
fsr-3615	149	17	rarely	rarely	ADV
fsr-3615	149	18	”	"	PUNCT
fsr-3615	149	19	,	,	PUNCT
fsr-3615	149	20	“	"	PUNCT
fsr-3615	149	21	3	3	NUM
fsr-3615	149	22	”	"	PUNCT
fsr-3615	149	23	means	mean	VERB
fsr-3615	149	24	“	"	PUNCT
fsr-3615	149	25	sometimes	sometimes	ADV
fsr-3615	149	26	”	"	PUNCT
fsr-3615	149	27	,	,	PUNCT
fsr-3615	149	28	“	"	PUNCT
fsr-3615	149	29	4	4	NUM
fsr-3615	149	30	”	"	PUNCT
fsr-3615	149	31	means	mean	VERB
fsr-3615	149	32	“	"	PUNCT
fsr-3615	149	33	often	often	ADV
fsr-3615	149	34	”	"	PUNCT
fsr-3615	149	35	,	,	PUNCT
fsr-3615	149	36	“	"	PUNCT
fsr-3615	149	37	5	5	NUM
fsr-3615	149	38	”	"	PUNCT
fsr-3615	149	39	means	mean	VERB
fsr-3615	149	40	“	"	PUNCT
fsr-3615	149	41	always	always	ADV
fsr-3615	149	42	”	"	PUNCT
fsr-3615	149	43	.	.	PUNCT
fsr-3615	150	1	endogenous	endogenous	ADJ
fsr-3615	150	2	(	(	PUNCT
fsr-3615	150	3	dependent	dependent	ADJ
fsr-3615	150	4	)	)	PUNCT
fsr-3615	150	5	variables	variable	NOUN
fsr-3615	150	6	use	use	VERB
fsr-3615	150	7	stimulus	stimulus	ADJ
fsr-3615	150	8	checks	check	NOUN
fsr-3615	150	9	for	for	ADP
fsr-3615	150	10	debt	debt	NOUN
fsr-3615	150	11	payments	payment	NOUN
fsr-3615	150	12	“	"	PUNCT
fsr-3615	150	13	what	what	PRON
fsr-3615	150	14	did	do	AUX
fsr-3615	150	15	you	you	PRON
fsr-3615	150	16	use	use	VERB
fsr-3615	150	17	the	the	DET
fsr-3615	150	18	money	money	NOUN
fsr-3615	150	19	for	for	ADP
fsr-3615	150	20	?	?	PUNCT
fsr-3615	150	21	”	"	PUNCT
fsr-3615	150	22	households	household	NOUN
fsr-3615	150	23	chose	choose	VERB
fsr-3615	150	24	“	"	PUNCT
fsr-3615	150	25	2	2	X
fsr-3615	150	26	.	.	PUNCT
fsr-3615	150	27	paid	pay	VERB
fsr-3615	150	28	down	down	ADP
fsr-3615	150	29	debt	debt	NOUN
fsr-3615	150	30	”	"	PUNCT
fsr-3615	150	31	were	be	AUX
fsr-3615	150	32	recorded	record	VERB
fsr-3615	150	33	as	as	ADP
fsr-3615	150	34	1	1	NUM
fsr-3615	150	35	,	,	PUNCT
fsr-3615	150	36	otherwise	otherwise	ADV
fsr-3615	150	37	0	0	X
fsr-3615	150	38	.	.	PUNCT
fsr-3615	150	39	methodology	methodology	PROPN
fsr-3615	150	40	a	a	DET
fsr-3615	150	41	weighted	weight	VERB
fsr-3615	150	42	logistic	logistic	ADJ
fsr-3615	150	43	regression	regression	NOUN
fsr-3615	150	44	,	,	PUNCT
fsr-3615	150	45	as	as	SCONJ
fsr-3615	150	46	shown	show	VERB
fsr-3615	150	47	in	in	ADP
fsr-3615	150	48	equation	equation	NOUN
fsr-3615	150	49	(	(	PUNCT
fsr-3615	150	50	1	1	NUM
fsr-3615	150	51	)	)	PUNCT
fsr-3615	150	52	,	,	PUNCT
fsr-3615	150	53	is	be	AUX
fsr-3615	150	54	employed	employ	VERB
fsr-3615	150	55	to	to	PART
fsr-3615	150	56	examine	examine	VERB
fsr-3615	150	57	the	the	DET
fsr-3615	150	58	sociodemographic	sociodemographic	ADJ
fsr-3615	150	59	and	and	CCONJ
fsr-3615	150	60	financial	financial	ADJ
fsr-3615	150	61	characteristics	characteristic	NOUN
fsr-3615	150	62	correlated	correlate	VERB
fsr-3615	150	63	with	with	ADP
fsr-3615	150	64	using	use	VERB
fsr-3615	150	65	stimulus	stimulus	ADJ
fsr-3615	150	66	checks	check	NOUN
fsr-3615	150	67	for	for	ADP
fsr-3615	150	68	debt	debt	NOUN
fsr-3615	150	69	payments	payment	NOUN
fsr-3615	150	70	.	.	PUNCT
fsr-3615	151	1	𝑃(𝑌	𝑃(𝑌	NOUN
fsr-3615	151	2	)	)	PUNCT
fsr-3615	152	1	=	=	SYM
fsr-3615	152	2	𝑒𝛼+𝛽.𝑋𝑖	𝑒𝛼+𝛽.𝑋𝑖	ADP
fsr-3615	152	3	1	1	NUM
fsr-3615	152	4	+	+	NUM
fsr-3615	152	5	𝑒𝛼+𝛽.𝑋𝑖	𝑒𝛼+𝛽.𝑋𝑖	PROPN
fsr-3615	152	6	(	(	PUNCT
fsr-3615	152	7	1	1	NUM
fsr-3615	152	8	)	)	PUNCT
fsr-3615	152	9	where	where	SCONJ
fsr-3615	152	10	y	y	PROPN
fsr-3615	152	11	takes	take	VERB
fsr-3615	152	12	the	the	DET
fsr-3615	152	13	value	value	NOUN
fsr-3615	152	14	1	1	NUM
fsr-3615	152	15	if	if	SCONJ
fsr-3615	152	16	a	a	DET
fsr-3615	152	17	respondent	respondent	NOUN
fsr-3615	152	18	selected	select	VERB
fsr-3615	152	19	yes	yes	INTJ
fsr-3615	152	20	to	to	ADP
fsr-3615	152	21	having	have	VERB
fsr-3615	152	22	utilized	utilize	VERB
fsr-3615	152	23	stimulus	stimulus	ADJ
fsr-3615	152	24	checks	check	NOUN
fsr-3615	152	25	to	to	PART
fsr-3615	152	26	make	make	VERB
fsr-3615	152	27	debt	debt	NOUN
fsr-3615	152	28	payments	payment	NOUN
fsr-3615	152	29	,	,	PUNCT
fsr-3615	152	30	y	y	PROPN
fsr-3615	152	31	takes	take	VERB
fsr-3615	152	32	the	the	DET
fsr-3615	152	33	value	value	NOUN
fsr-3615	152	34	0	0	NUM
fsr-3615	153	1	otherwise	otherwise	ADV
fsr-3615	153	2	.	.	PUNCT
fsr-3615	154	1	𝑋𝑖	𝑋𝑖	PRON
fsr-3615	154	2	denotes	denote	VERB
fsr-3615	154	3	the	the	DET
fsr-3615	154	4	sociodemographic	sociodemographic	ADJ
fsr-3615	154	5	and	and	CCONJ
fsr-3615	154	6	financial	financial	ADJ
fsr-3615	154	7	characteristics	characteristic	NOUN
fsr-3615	154	8	(	(	PUNCT
fsr-3615	154	9	seen	see	VERB
fsr-3615	154	10	in	in	ADP
fsr-3615	154	11	table	table	NOUN
fsr-3615	154	12	3	3	NUM
fsr-3615	154	13	)	)	PUNCT
fsr-3615	154	14	controlled	control	VERB
fsr-3615	154	15	for	for	ADP
fsr-3615	154	16	in	in	ADP
fsr-3615	154	17	the	the	DET
fsr-3615	154	18	study	study	NOUN
fsr-3615	154	19	.	.	PUNCT
fsr-3615	155	1	to	to	PART
fsr-3615	155	2	further	far	ADV
fsr-3615	155	3	analyze	analyze	VERB
fsr-3615	155	4	households	household	NOUN
fsr-3615	155	5	’	'	PUNCT
fsr-3615	155	6	utilization	utilization	NOUN
fsr-3615	155	7	of	of	ADP
fsr-3615	155	8	stimulus	stimulus	ADJ
fsr-3615	155	9	checks	check	NOUN
fsr-3615	155	10	,	,	PUNCT
fsr-3615	155	11	we	we	PRON
fsr-3615	155	12	conducted	conduct	VERB
fsr-3615	155	13	a	a	DET
fsr-3615	155	14	mediation	mediation	NOUN
fsr-3615	155	15	analysis	analysis	NOUN
fsr-3615	155	16	to	to	PART
fsr-3615	155	17	investigate	investigate	VERB
fsr-3615	155	18	whether	whether	SCONJ
fsr-3615	155	19	an	an	DET
fsr-3615	155	20	individual	individual	NOUN
fsr-3615	155	21	’s	’s	PART
fsr-3615	155	22	perceived	perceive	VERB
fsr-3615	155	23	lack	lack	NOUN
fsr-3615	155	24	of	of	ADP
fsr-3615	155	25	financial	financial	ADJ
fsr-3615	155	26	control	control	NOUN
fsr-3615	155	27	mediated	mediate	VERB
fsr-3615	155	28	the	the	DET
fsr-3615	155	29	association	association	NOUN
fsr-3615	155	30	between	between	ADP
fsr-3615	155	31	income	income	NOUN
fsr-3615	155	32	shock	shock	NOUN
fsr-3615	155	33	during	during	ADP
fsr-3615	155	34	covid-19	covid-19	PROPN
fsr-3615	155	35	and	and	CCONJ
fsr-3615	155	36	the	the	DET
fsr-3615	155	37	utilization	utilization	NOUN
fsr-3615	155	38	of	of	ADP
fsr-3615	155	39	stimulus	stimulus	ADJ
fsr-3615	155	40	checks	check	NOUN
fsr-3615	155	41	for	for	ADP
fsr-3615	155	42	debt	debt	NOUN
fsr-3615	155	43	repayment	repayment	NOUN
fsr-3615	155	44	.	.	PUNCT
fsr-3615	156	1	for	for	ADP
fsr-3615	156	2	this	this	DET
fsr-3615	156	3	purpose	purpose	NOUN
fsr-3615	156	4	,	,	PUNCT
fsr-3615	156	5	we	we	PRON
fsr-3615	156	6	employed	employ	VERB
fsr-3615	156	7	a	a	DET
fsr-3615	156	8	potential	potential	ADJ
fsr-3615	156	9	outcomes	outcome	NOUN
fsr-3615	156	10	framework	framework	NOUN
fsr-3615	156	11	(	(	PUNCT
fsr-3615	156	12	pof	pof	PROPN
fsr-3615	156	13	)	)	PUNCT
fsr-3615	156	14	,	,	PUNCT
fsr-3615	156	15	a	a	DET
fsr-3615	156	16	fundamental	fundamental	ADJ
fsr-3615	156	17	tool	tool	NOUN
fsr-3615	156	18	in	in	ADP
fsr-3615	156	19	causal	causal	ADJ
fsr-3615	156	20	inference	inference	NOUN
fsr-3615	156	21	,	,	PUNCT
fsr-3615	156	22	which	which	PRON
fsr-3615	156	23	facilitates	facilitate	VERB
fsr-3615	156	24	the	the	DET
fsr-3615	156	25	estimation	estimation	NOUN
fsr-3615	156	26	of	of	ADP
fsr-3615	156	27	causal	causal	ADJ
fsr-3615	156	28	effects	effect	NOUN
fsr-3615	156	29	by	by	ADP
fsr-3615	156	30	considering	consider	VERB
fsr-3615	156	31	both	both	CCONJ
fsr-3615	156	32	observed	observed	ADJ
fsr-3615	156	33	and	and	CCONJ
fsr-3615	156	34	unobserved	unobserved	ADJ
fsr-3615	156	35	potential	potential	ADJ
fsr-3615	156	36	outcomes	outcome	NOUN
fsr-3615	156	37	.	.	PUNCT
fsr-3615	157	1	this	this	DET
fsr-3615	157	2	framework	framework	NOUN
fsr-3615	157	3	allows	allow	VERB
fsr-3615	157	4	for	for	ADP
fsr-3615	157	5	the	the	DET
fsr-3615	157	6	systematic	systematic	ADJ
fsr-3615	157	7	examination	examination	NOUN
fsr-3615	157	8	of	of	ADP
fsr-3615	157	9	the	the	DET
fsr-3615	157	10	values	value	NOUN
fsr-3615	157	11	of	of	ADP
fsr-3615	157	12	outcomes	outcome	NOUN
fsr-3615	157	13	that	that	PRON
fsr-3615	157	14	would	would	AUX
fsr-3615	157	15	prevail	prevail	VERB
fsr-3615	157	16	under	under	ADP
fsr-3615	157	17	varying	vary	VERB
fsr-3615	157	18	conditions	condition	NOUN
fsr-3615	157	19	,	,	PUNCT
fsr-3615	157	20	such	such	ADJ
fsr-3615	157	21	as	as	ADP
fsr-3615	157	22	the	the	DET
fsr-3615	157	23	presence	presence	NOUN
fsr-3615	157	24	or	or	CCONJ
fsr-3615	157	25	absence	absence	NOUN
fsr-3615	157	26	of	of	ADP
fsr-3615	157	27	a	a	DET
fsr-3615	157	28	treatment	treatment	NOUN
fsr-3615	157	29	(	(	PUNCT
fsr-3615	157	30	rubin	rubin	PROPN
fsr-3615	157	31	,	,	PUNCT
fsr-3615	157	32	2005	2005	NUM
fsr-3615	157	33	;	;	PUNCT
fsr-3615	157	34	imai	imai	PROPN
fsr-3615	157	35	et	et	PROPN
fsr-3615	157	36	al	al	PROPN
fsr-3615	157	37	.	.	PROPN
fsr-3615	157	38	,	,	PUNCT
fsr-3615	157	39	2011	2011	NUM
fsr-3615	157	40	)	)	PUNCT
fsr-3615	157	41	.	.	PUNCT
fsr-3615	158	1	the	the	DET
fsr-3615	158	2	pof	pof	PROPN
fsr-3615	158	3	allows	allow	VERB
fsr-3615	158	4	the	the	DET
fsr-3615	158	5	study	study	NOUN
fsr-3615	158	6	to	to	PART
fsr-3615	158	7	estimate	estimate	VERB
fsr-3615	158	8	what	what	PRON
fsr-3615	158	9	would	would	AUX
fsr-3615	158	10	happen	happen	VERB
fsr-3615	158	11	to	to	ADP
fsr-3615	158	12	the	the	DET
fsr-3615	158	13	debt	debt	NOUN
fsr-3615	158	14	management	management	NOUN
fsr-3615	158	15	behavior	behavior	NOUN
fsr-3615	158	16	of	of	ADP
fsr-3615	158	17	individuals	individual	NOUN
fsr-3615	158	18	under	under	ADP
fsr-3615	158	19	different	different	ADJ
fsr-3615	158	20	scenarios	scenario	NOUN
fsr-3615	158	21	:	:	PUNCT
fsr-3615	158	22	receiving	receive	VERB
fsr-3615	158	23	a	a	DET
fsr-3615	158	24	stimulus	stimulus	ADJ
fsr-3615	158	25	check	check	NOUN
fsr-3615	158	26	versus	versus	ADP
fsr-3615	158	27	not	not	PART
fsr-3615	158	28	receiving	receive	VERB
fsr-3615	158	29	one	one	NUM
fsr-3615	158	30	,	,	PUNCT
fsr-3615	158	31	and	and	CCONJ
fsr-3615	158	32	experiencing	experience	VERB
fsr-3615	158	33	an	an	DET
fsr-3615	158	34	income	income	NOUN
fsr-3615	158	35	shock	shock	NOUN
fsr-3615	158	36	versus	versus	ADP
fsr-3615	158	37	not	not	PART
fsr-3615	158	38	experiencing	experience	VERB
fsr-3615	158	39	one	one	NUM
fsr-3615	158	40	.	.	PUNCT
fsr-3615	159	1	this	this	DET
fsr-3615	159	2	framework	framework	NOUN
fsr-3615	159	3	helps	help	VERB
fsr-3615	159	4	in	in	ADP
fsr-3615	159	5	drawing	draw	VERB
fsr-3615	159	6	causal	causal	ADJ
fsr-3615	159	7	inferences	inference	NOUN
fsr-3615	159	8	about	about	ADP
fsr-3615	159	9	the	the	DET
fsr-3615	159	10	effect	effect	NOUN
fsr-3615	159	11	of	of	ADP
fsr-3615	159	12	these	these	DET
fsr-3615	159	13	variables	variable	NOUN
fsr-3615	159	14	on	on	ADP
fsr-3615	159	15	debt	debt	NOUN
fsr-3615	159	16	management	management	NOUN
fsr-3615	159	17	decisions	decision	NOUN
fsr-3615	159	18	.	.	PUNCT
fsr-3615	160	1	by	by	ADP
fsr-3615	160	2	employing	employ	VERB
fsr-3615	160	3	a	a	DET
fsr-3615	160	4	mediation	mediation	NOUN
fsr-3615	160	5	analysis	analysis	NOUN
fsr-3615	160	6	within	within	ADP
fsr-3615	160	7	the	the	DET
fsr-3615	160	8	pof	pof	NOUN
fsr-3615	160	9	,	,	PUNCT
fsr-3615	160	10	the	the	DET
fsr-3615	160	11	study	study	NOUN
fsr-3615	160	12	quantifies	quantify	VERB
fsr-3615	160	13	how	how	SCONJ
fsr-3615	160	14	much	much	ADJ
fsr-3615	160	15	of	of	ADP
fsr-3615	160	16	the	the	DET
fsr-3615	160	17	effect	effect	NOUN
fsr-3615	160	18	of	of	ADP
fsr-3615	160	19	the	the	DET
fsr-3615	160	20	income	income	NOUN
fsr-3615	160	21	shock	shock	NOUN
fsr-3615	160	22	on	on	ADP
fsr-3615	160	23	debt	debt	NOUN
fsr-3615	160	24	management	management	NOUN
fsr-3615	160	25	is	be	AUX
fsr-3615	160	26	direct	direct	ADJ
fsr-3615	160	27	and	and	CCONJ
fsr-3615	160	28	how	how	SCONJ
fsr-3615	160	29	much	much	ADJ
fsr-3615	160	30	is	be	AUX
fsr-3615	160	31	mediated	mediate	VERB
fsr-3615	160	32	through	through	ADP
fsr-3615	160	33	changes	change	NOUN
fsr-3615	160	34	in	in	ADP
fsr-3615	160	35	perceived	perceive	VERB
fsr-3615	160	36	financial	financial	ADJ
fsr-3615	160	37	control	control	NOUN
fsr-3615	160	38	.	.	PUNCT
fsr-3615	161	1	this	this	PRON
fsr-3615	161	2	is	be	AUX
fsr-3615	161	3	crucial	crucial	ADJ
fsr-3615	161	4	for	for	ADP
fsr-3615	161	5	understanding	understanding	NOUN
fsr-3615	161	6	not	not	PART
fsr-3615	161	7	just	just	ADV
fsr-3615	161	8	the	the	DET
fsr-3615	161	9	direct	direct	ADJ
fsr-3615	161	10	impact	impact	NOUN
fsr-3615	161	11	of	of	ADP
fsr-3615	161	12	economic	economic	ADJ
fsr-3615	161	13	shocks	shock	NOUN
fsr-3615	161	14	but	but	CCONJ
fsr-3615	161	15	also	also	ADV
fsr-3615	161	16	the	the	DET
fsr-3615	161	17	psychological	psychological	ADJ
fsr-3615	161	18	pathways	pathway	NOUN
fsr-3615	161	19	through	through	ADP
fsr-3615	161	20	which	which	PRON
fsr-3615	161	21	these	these	DET
fsr-3615	161	22	shocks	shock	VERB
fsr-3615	161	23	influence	influence	VERB
fsr-3615	161	24	financial	financial	ADJ
fsr-3615	161	25	behaviors	behavior	NOUN
fsr-3615	161	26	(	(	PUNCT
fsr-3615	161	27	imai	imai	PROPN
fsr-3615	161	28	et	et	PROPN
fsr-3615	161	29	al	al	PROPN
fsr-3615	161	30	.	.	PROPN
fsr-3615	161	31	,	,	PUNCT
fsr-3615	161	32	2011	2011	NUM
fsr-3615	161	33	)	)	PUNCT
fsr-3615	161	34	.	.	PUNCT
fsr-3615	162	1	the	the	DET
fsr-3615	162	2	framework	framework	NOUN
fsr-3615	162	3	allows	allow	VERB
fsr-3615	162	4	for	for	ADP
fsr-3615	162	5	the	the	DET
fsr-3615	162	6	decomposition	decomposition	NOUN
fsr-3615	162	7	of	of	ADP
fsr-3615	162	8	the	the	DET
fsr-3615	162	9	total	total	ADJ
fsr-3615	162	10	effect	effect	NOUN
fsr-3615	162	11	of	of	ADP
fsr-3615	162	12	the	the	DET
fsr-3615	162	13	income	income	NOUN
fsr-3615	162	14	shock	shock	NOUN
fsr-3615	162	15	on	on	ADP
fsr-3615	162	16	the	the	DET
fsr-3615	162	17	use	use	NOUN
fsr-3615	162	18	of	of	ADP
fsr-3615	162	19	stimulus	stimulus	ADJ
fsr-3615	162	20	checks	check	NOUN
fsr-3615	162	21	for	for	ADP
fsr-3615	162	22	debt	debt	NOUN
fsr-3615	162	23	payments	payment	NOUN
fsr-3615	162	24	into	into	ADP
fsr-3615	162	25	direct	direct	ADJ
fsr-3615	162	26	effects	effect	NOUN
fsr-3615	162	27	(	(	PUNCT
fsr-3615	162	28	impact	impact	NOUN
fsr-3615	162	29	of	of	ADP
fsr-3615	162	30	income	income	NOUN
fsr-3615	162	31	shock	shock	NOUN
fsr-3615	162	32	directly	directly	ADV
fsr-3615	162	33	on	on	ADP
fsr-3615	162	34	the	the	DET
fsr-3615	162	35	outcome	outcome	NOUN
fsr-3615	162	36	)	)	PUNCT
fsr-3615	162	37	and	and	CCONJ
fsr-3615	162	38	indirect	indirect	ADJ
fsr-3615	162	39	effects	effect	NOUN
fsr-3615	162	40	(	(	PUNCT
fsr-3615	162	41	impact	impact	NOUN
fsr-3615	162	42	mediated	mediate	VERB
fsr-3615	162	43	through	through	ADP
fsr-3615	162	44	changes	change	NOUN
fsr-3615	162	45	in	in	ADP
fsr-3615	162	46	perceived	perceive	VERB
fsr-3615	162	47	financial	financial	ADJ
fsr-3615	162	48	control	control	NOUN
fsr-3615	162	49	)	)	PUNCT
fsr-3615	162	50	.	.	PUNCT
fsr-3615	163	1	our	our	PRON
fsr-3615	163	2	analysis	analysis	NOUN
fsr-3615	163	3	integrates	integrate	NOUN
fsr-3615	163	4	causal	causal	ADJ
fsr-3615	163	5	mediation	mediation	NOUN
fsr-3615	163	6	models	model	NOUN
fsr-3615	163	7	to	to	PART
fsr-3615	163	8	evaluate	evaluate	VERB
fsr-3615	163	9	the	the	DET
fsr-3615	163	10	impact	impact	NOUN
fsr-3615	163	11	of	of	ADP
fsr-3615	163	12	an	an	DET
fsr-3615	163	13	intervention	intervention	NOUN
fsr-3615	163	14	on	on	ADP
fsr-3615	163	15	specific	specific	ADJ
fsr-3615	163	16	outcomes	outcome	NOUN
fsr-3615	163	17	,	,	PUNCT
fsr-3615	163	18	acknowledging	acknowledge	VERB
fsr-3615	163	19	that	that	SCONJ
fsr-3615	163	20	this	this	DET
fsr-3615	163	21	impact	impact	NOUN
fsr-3615	163	22	may	may	AUX
fsr-3615	163	23	be	be	AUX
fsr-3615	163	24	direct	direct	ADJ
fsr-3615	163	25	or	or	CCONJ
fsr-3615	163	26	indirect	indirect	ADJ
fsr-3615	163	27	through	through	ADP
fsr-3615	163	28	an	an	DET
fsr-3615	163	29	intermediary	intermediary	ADJ
fsr-3615	163	30	variable	variable	NOUN
fsr-3615	163	31	identified	identify	VERB
fsr-3615	163	32	as	as	ADP
fsr-3615	163	33	a	a	DET
fsr-3615	163	34	mediator	mediator	NOUN
fsr-3615	163	35	.	.	PUNCT
fsr-3615	164	1	the	the	DET
fsr-3615	164	2	potential	potential	ADJ
fsr-3615	164	3	outcomes	outcome	NOUN
fsr-3615	164	4	framework	framework	NOUN
fsr-3615	164	5	provides	provide	VERB
fsr-3615	164	6	the	the	DET
fsr-3615	164	7	flexibility	flexibility	NOUN
fsr-3615	164	8	needed	need	VERB
fsr-3615	164	9	for	for	ADP
fsr-3615	164	10	the	the	DET
fsr-3615	164	11	analysis	analysis	NOUN
fsr-3615	164	12	,	,	PUNCT
fsr-3615	164	13	allowing	allow	VERB
fsr-3615	164	14	us	we	PRON
fsr-3615	164	15	to	to	PART
fsr-3615	164	16	account	account	VERB
fsr-3615	164	17	for	for	ADP
fsr-3615	164	18	potential	potential	ADJ
fsr-3615	164	19	interactions	interaction	NOUN
fsr-3615	164	20	between	between	ADP
fsr-3615	164	21	the	the	DET
fsr-3615	164	22	mediator	mediator	NOUN
fsr-3615	164	23	and	and	CCONJ
fsr-3615	164	24	the	the	DET
fsr-3615	164	25	treatment	treatment	NOUN
fsr-3615	164	26	.	.	PUNCT
fsr-3615	165	1	consequently	consequently	ADV
fsr-3615	165	2	,	,	PUNCT
fsr-3615	165	3	we	we	PRON
fsr-3615	165	4	did	do	AUX
fsr-3615	165	5	ouyang	ouyang	VERB
fsr-3615	165	6	et	et	PROPN
fsr-3615	165	7	al	al	PROPN
fsr-3615	165	8	.	.	PROPN
fsr-3615	165	9	9	9	NUM
fsr-3615	165	10	not	not	PART
fsr-3615	165	11	presuppose	presuppose	VERB
fsr-3615	165	12	a	a	DET
fsr-3615	165	13	uniform	uniform	ADJ
fsr-3615	165	14	effect	effect	NOUN
fsr-3615	165	15	of	of	ADP
fsr-3615	165	16	the	the	DET
fsr-3615	165	17	mediator	mediator	NOUN
fsr-3615	165	18	on	on	ADP
fsr-3615	165	19	the	the	DET
fsr-3615	165	20	outcome	outcome	NOUN
fsr-3615	165	21	across	across	ADP
fsr-3615	165	22	treated	treat	VERB
fsr-3615	165	23	and	and	CCONJ
fsr-3615	165	24	untreated	untreated	ADJ
fsr-3615	165	25	groups	group	NOUN
fsr-3615	165	26	.	.	PUNCT
fsr-3615	166	1	we	we	PRON
fsr-3615	166	2	utilized	utilize	VERB
fsr-3615	166	3	the	the	DET
fsr-3615	166	4	mediate	mediate	ADJ
fsr-3615	166	5	package	package	NOUN
fsr-3615	166	6	in	in	ADP
fsr-3615	166	7	stata	stata	NOUN
fsr-3615	166	8	(	(	PUNCT
fsr-3615	166	9	version	version	NOUN
fsr-3615	166	10	18	18	NUM
fsr-3615	166	11	)	)	PUNCT
fsr-3615	166	12	for	for	ADP
fsr-3615	166	13	the	the	DET
fsr-3615	166	14	mediation	mediation	NOUN
fsr-3615	166	15	analyses	analysis	NOUN
fsr-3615	166	16	,	,	PUNCT
fsr-3615	166	17	applying	apply	VERB
fsr-3615	166	18	it	it	PRON
fsr-3615	166	19	to	to	ADP
fsr-3615	166	20	both	both	CCONJ
fsr-3615	166	21	the	the	DET
fsr-3615	166	22	full	full	ADJ
fsr-3615	166	23	analytical	analytical	ADJ
fsr-3615	166	24	sample	sample	NOUN
fsr-3615	166	25	and	and	CCONJ
fsr-3615	166	26	conceptual	conceptual	ADJ
fsr-3615	166	27	model	model	NOUN
fsr-3615	166	28	groups	group	NOUN
fsr-3615	166	29	.	.	PUNCT
fsr-3615	167	1	this	this	PRON
fsr-3615	167	2	involved	involve	VERB
fsr-3615	167	3	the	the	DET
fsr-3615	167	4	decomposition	decomposition	NOUN
fsr-3615	167	5	of	of	ADP
fsr-3615	167	6	the	the	DET
fsr-3615	167	7	total	total	ADJ
fsr-3615	167	8	effect	effect	NOUN
fsr-3615	167	9	of	of	ADP
fsr-3615	167	10	the	the	DET
fsr-3615	167	11	treatment	treatment	NOUN
fsr-3615	167	12	on	on	ADP
fsr-3615	167	13	the	the	DET
fsr-3615	167	14	outcome	outcome	NOUN
fsr-3615	167	15	into	into	ADP
fsr-3615	167	16	direct	direct	ADJ
fsr-3615	167	17	and	and	CCONJ
fsr-3615	167	18	indirect	indirect	ADJ
fsr-3615	167	19	effects	effect	NOUN
fsr-3615	167	20	in	in	ADP
fsr-3615	167	21	two	two	NUM
fsr-3615	167	22	distinct	distinct	ADJ
fsr-3615	167	23	ways	way	NOUN
fsr-3615	167	24	,	,	PUNCT
fsr-3615	167	25	aligning	align	VERB
fsr-3615	167	26	with	with	ADP
fsr-3615	167	27	our	our	PRON
fsr-3615	167	28	research	research	NOUN
fsr-3615	167	29	question	question	NOUN
fsr-3615	167	30	.	.	PUNCT
fsr-3615	168	1	we	we	PRON
fsr-3615	168	2	defined	define	VERB
fsr-3615	168	3	these	these	DET
fsr-3615	168	4	effects	effect	NOUN
fsr-3615	168	5	in	in	ADP
fsr-3615	168	6	a	a	DET
fsr-3615	168	7	model	model	NOUN
fsr-3615	168	8	-	-	PUNCT
fsr-3615	168	9	free	free	ADJ
fsr-3615	168	10	manner	manner	NOUN
fsr-3615	168	11	,	,	PUNCT
fsr-3615	168	12	enabling	enable	VERB
fsr-3615	168	13	the	the	DET
fsr-3615	168	14	selection	selection	NOUN
fsr-3615	168	15	of	of	ADP
fsr-3615	168	16	an	an	DET
fsr-3615	168	17	estimation	estimation	NOUN
fsr-3615	168	18	method	method	NOUN
fsr-3615	168	19	best	well	ADV
fsr-3615	168	20	suited	suit	VERB
fsr-3615	168	21	to	to	ADP
fsr-3615	168	22	our	our	PRON
fsr-3615	168	23	data	datum	NOUN
fsr-3615	168	24	.	.	PUNCT
fsr-3615	169	1	notably	notably	ADV
fsr-3615	169	2	,	,	PUNCT
fsr-3615	169	3	classical	classical	ADJ
fsr-3615	169	4	approaches	approach	NOUN
fsr-3615	169	5	and	and	CCONJ
fsr-3615	169	6	causal	causal	ADJ
fsr-3615	169	7	mediation	mediation	NOUN
fsr-3615	169	8	analyses	analysis	NOUN
fsr-3615	169	9	via	via	ADP
fsr-3615	169	10	the	the	DET
fsr-3615	169	11	potentialoutcomes	potentialoutcome	NOUN
fsr-3615	169	12	framework	framework	NOUN
fsr-3615	169	13	converge	converge	VERB
fsr-3615	169	14	to	to	ADP
fsr-3615	169	15	similar	similar	ADJ
fsr-3615	169	16	results	result	NOUN
fsr-3615	169	17	when	when	SCONJ
fsr-3615	169	18	conducting	conduct	VERB
fsr-3615	169	19	linear	linear	ADJ
fsr-3615	169	20	regressions	regression	NOUN
fsr-3615	169	21	for	for	ADP
fsr-3615	169	22	endogenous	endogenous	ADJ
fsr-3615	169	23	variables	variable	NOUN
fsr-3615	169	24	and	and	CCONJ
fsr-3615	169	25	the	the	DET
fsr-3615	169	26	mediators	mediator	NOUN
fsr-3615	169	27	(	(	PUNCT
fsr-3615	169	28	pattanayak	pattanayak	NOUN
fsr-3615	169	29	,	,	PUNCT
fsr-3615	169	30	et	et	PROPN
fsr-3615	169	31	al	al	PROPN
fsr-3615	169	32	.	.	PROPN
fsr-3615	169	33	,	,	PUNCT
fsr-3615	169	34	2011	2011	NUM
fsr-3615	169	35	;	;	PUNCT
fsr-3615	169	36	stata	stata	NOUN
fsr-3615	169	37	,	,	PUNCT
fsr-3615	169	38	2023	2023	NUM
fsr-3615	169	39	)	)	PUNCT
fsr-3615	169	40	.	.	PUNCT
fsr-3615	170	1	results	result	VERB
fsr-3615	170	2	descriptive	descriptive	ADJ
fsr-3615	170	3	results	result	NOUN
fsr-3615	170	4	in	in	ADP
fsr-3615	170	5	table	table	NOUN
fsr-3615	170	6	2	2	NUM
fsr-3615	170	7	,	,	PUNCT
fsr-3615	170	8	we	we	PRON
fsr-3615	170	9	present	present	VERB
fsr-3615	170	10	the	the	DET
fsr-3615	170	11	descriptive	descriptive	ADJ
fsr-3615	170	12	statistics	statistic	NOUN
fsr-3615	170	13	of	of	ADP
fsr-3615	170	14	the	the	DET
fsr-3615	170	15	variables	variable	NOUN
fsr-3615	170	16	used	use	VERB
fsr-3615	170	17	in	in	ADP
fsr-3615	170	18	the	the	DET
fsr-3615	170	19	study	study	NOUN
fsr-3615	170	20	.	.	PUNCT
fsr-3615	171	1	among	among	ADP
fsr-3615	171	2	the	the	DET
fsr-3615	171	3	respondents	respondent	NOUN
fsr-3615	171	4	who	who	PRON
fsr-3615	171	5	received	receive	VERB
fsr-3615	171	6	stimulus	stimulus	ADJ
fsr-3615	171	7	checks	check	NOUN
fsr-3615	171	8	during	during	ADP
fsr-3615	171	9	the	the	DET
fsr-3615	171	10	covid-19	covid-19	PROPN
fsr-3615	171	11	pandemic	pandemic	NOUN
fsr-3615	171	12	,	,	PUNCT
fsr-3615	171	13	33.54	33.54	NUM
fsr-3615	171	14	%	%	NOUN
fsr-3615	171	15	reported	report	VERB
fsr-3615	171	16	using	use	VERB
fsr-3615	171	17	these	these	DET
fsr-3615	171	18	funds	fund	NOUN
fsr-3615	171	19	for	for	ADP
fsr-3615	171	20	debt	debt	NOUN
fsr-3615	171	21	payments	payment	NOUN
fsr-3615	171	22	.	.	PUNCT
fsr-3615	172	1	the	the	DET
fsr-3615	172	2	average	average	ADJ
fsr-3615	172	3	score	score	NOUN
fsr-3615	172	4	for	for	ADP
fsr-3615	172	5	households	household	NOUN
fsr-3615	172	6	'	'	PART
fsr-3615	172	7	perceived	perceive	VERB
fsr-3615	172	8	lack	lack	NOUN
fsr-3615	172	9	of	of	ADP
fsr-3615	172	10	financial	financial	ADJ
fsr-3615	172	11	control	control	NOUN
fsr-3615	172	12	was	be	AUX
fsr-3615	172	13	2.96	2.96	NUM
fsr-3615	172	14	,	,	PUNCT
fsr-3615	172	15	within	within	ADP
fsr-3615	172	16	a	a	DET
fsr-3615	172	17	range	range	NOUN
fsr-3615	172	18	of	of	ADP
fsr-3615	172	19	1	1	NUM
fsr-3615	172	20	to	to	PART
fsr-3615	172	21	5	5	NUM
fsr-3615	172	22	.	.	PUNCT
fsr-3615	173	1	the	the	DET
fsr-3615	173	2	responses	response	NOUN
fsr-3615	173	3	varied	varied	ADJ
fsr-3615	173	4	,	,	PUNCT
fsr-3615	173	5	with	with	ADP
fsr-3615	173	6	'	'	PUNCT
fsr-3615	173	7	sometimes	sometimes	ADV
fsr-3615	173	8	'	'	PUNCT
fsr-3615	173	9	being	be	AUX
fsr-3615	173	10	the	the	DET
fsr-3615	173	11	most	most	ADV
fsr-3615	173	12	common	common	ADJ
fsr-3615	173	13	(	(	PUNCT
fsr-3615	173	14	30.25	30.25	NUM
fsr-3615	173	15	%	%	NOUN
fsr-3615	173	16	)	)	PUNCT
fsr-3615	173	17	,	,	PUNCT
fsr-3615	173	18	followed	follow	VERB
fsr-3615	173	19	by	by	ADP
fsr-3615	173	20	'	'	PUNCT
fsr-3615	173	21	rarely	rarely	ADV
fsr-3615	173	22	'	'	PUNCT
fsr-3615	173	23	(	(	PUNCT
fsr-3615	173	24	22.85	22.85	NUM
fsr-3615	173	25	%	%	NOUN
fsr-3615	173	26	)	)	PUNCT
fsr-3615	173	27	,	,	PUNCT
fsr-3615	173	28	'	'	PUNCT
fsr-3615	173	29	often	often	ADV
fsr-3615	173	30	'	'	PUNCT
fsr-3615	173	31	(	(	PUNCT
fsr-3615	173	32	17.22	17.22	NUM
fsr-3615	173	33	%	%	NOUN
fsr-3615	173	34	)	)	PUNCT
fsr-3615	173	35	,	,	PUNCT
fsr-3615	173	36	'	'	PUNCT
fsr-3615	173	37	always	always	ADV
fsr-3615	173	38	'	'	PUNCT
fsr-3615	173	39	(	(	PUNCT
fsr-3615	173	40	15.14	15.14	NUM
fsr-3615	173	41	%	%	NOUN
fsr-3615	173	42	)	)	PUNCT
fsr-3615	173	43	,	,	PUNCT
fsr-3615	173	44	and	and	CCONJ
fsr-3615	173	45	'	'	PUNCT
fsr-3615	173	46	never	never	ADV
fsr-3615	173	47	'	'	PUNCT
fsr-3615	173	48	(	(	PUNCT
fsr-3615	173	49	14.54	14.54	NUM
fsr-3615	173	50	%	%	NOUN
fsr-3615	173	51	)	)	PUNCT
fsr-3615	173	52	.	.	PUNCT
fsr-3615	174	1	additionally	additionally	ADV
fsr-3615	174	2	,	,	PUNCT
fsr-3615	174	3	about	about	ADV
fsr-3615	174	4	25.76	25.76	NUM
fsr-3615	174	5	%	%	NOUN
fsr-3615	174	6	of	of	ADP
fsr-3615	174	7	the	the	DET
fsr-3615	174	8	respondents	respondent	NOUN
fsr-3615	174	9	reported	report	VERB
fsr-3615	174	10	a	a	DET
fsr-3615	174	11	substantial	substantial	ADJ
fsr-3615	174	12	income	income	NOUN
fsr-3615	174	13	drop	drop	NOUN
fsr-3615	174	14	during	during	ADP
fsr-3615	174	15	the	the	DET
fsr-3615	174	16	pandemic	pandemic	NOUN
fsr-3615	174	17	.	.	PUNCT
fsr-3615	175	1	regarding	regard	VERB
fsr-3615	175	2	control	control	NOUN
fsr-3615	175	3	variables	variable	NOUN
fsr-3615	175	4	,	,	PUNCT
fsr-3615	175	5	the	the	DET
fsr-3615	175	6	demographic	demographic	ADJ
fsr-3615	175	7	composition	composition	NOUN
fsr-3615	175	8	of	of	ADP
fsr-3615	175	9	the	the	DET
fsr-3615	175	10	sample	sample	NOUN
fsr-3615	175	11	included	include	VERB
fsr-3615	175	12	about	about	ADP
fsr-3615	175	13	54	54	NUM
fsr-3615	175	14	%	%	NOUN
fsr-3615	175	15	females	female	NOUN
fsr-3615	175	16	and	and	CCONJ
fsr-3615	175	17	74	74	NUM
fsr-3615	175	18	%	%	NOUN
fsr-3615	175	19	non	non	ADJ
fsr-3615	175	20	-	-	ADJ
fsr-3615	175	21	hispanic	hispanic	ADJ
fsr-3615	175	22	whites	white	NOUN
fsr-3615	175	23	.	.	PUNCT
fsr-3615	176	1	living	live	VERB
fsr-3615	176	2	arrangements	arrangement	NOUN
fsr-3615	176	3	and	and	CCONJ
fsr-3615	176	4	employment	employment	NOUN
fsr-3615	176	5	status	status	NOUN
fsr-3615	176	6	were	be	AUX
fsr-3615	176	7	also	also	ADV
fsr-3615	176	8	notable	notable	ADJ
fsr-3615	176	9	,	,	PUNCT
fsr-3615	176	10	with	with	ADP
fsr-3615	176	11	58	58	NUM
fsr-3615	176	12	%	%	NOUN
fsr-3615	176	13	living	live	VERB
fsr-3615	176	14	with	with	ADP
fsr-3615	176	15	a	a	DET
fsr-3615	176	16	partner	partner	NOUN
fsr-3615	176	17	and	and	CCONJ
fsr-3615	176	18	approximately	approximately	ADV
fsr-3615	176	19	39	39	NUM
fsr-3615	176	20	%	%	NOUN
fsr-3615	176	21	employed	employ	VERB
fsr-3615	176	22	full	full	ADJ
fsr-3615	176	23	-	-	PUNCT
fsr-3615	176	24	time	time	NOUN
fsr-3615	176	25	.	.	PUNCT
fsr-3615	177	1	financial	financial	ADJ
fsr-3615	177	2	security	security	NOUN
fsr-3615	177	3	was	be	AUX
fsr-3615	177	4	a	a	DET
fsr-3615	177	5	key	key	ADJ
fsr-3615	177	6	concern	concern	NOUN
fsr-3615	177	7	,	,	PUNCT
fsr-3615	177	8	as	as	SCONJ
fsr-3615	177	9	almost	almost	ADV
fsr-3615	177	10	56	56	NUM
fsr-3615	177	11	%	%	NOUN
fsr-3615	177	12	of	of	ADP
fsr-3615	177	13	respondents	respondent	NOUN
fsr-3615	177	14	had	have	VERB
fsr-3615	177	15	emergency	emergency	NOUN
fsr-3615	177	16	funds	fund	NOUN
fsr-3615	177	17	,	,	PUNCT
fsr-3615	177	18	and	and	CCONJ
fsr-3615	177	19	20.5	20.5	NUM
fsr-3615	177	20	%	%	NOUN
fsr-3615	177	21	experienced	experience	VERB
fsr-3615	177	22	layoffs	layoff	NOUN
fsr-3615	177	23	during	during	ADP
fsr-3615	177	24	the	the	DET
fsr-3615	177	25	pandemic	pandemic	ADJ
fsr-3615	177	26	.	.	PUNCT
fsr-3615	178	1	homeownership	homeownership	NOUN
fsr-3615	178	2	and	and	CCONJ
fsr-3615	178	3	credit	credit	NOUN
fsr-3615	178	4	quality	quality	NOUN
fsr-3615	178	5	were	be	AUX
fsr-3615	178	6	also	also	ADV
fsr-3615	178	7	reported	report	VERB
fsr-3615	178	8	,	,	PUNCT
fsr-3615	178	9	with	with	ADP
fsr-3615	178	10	nearly	nearly	ADV
fsr-3615	178	11	60	60	NUM
fsr-3615	178	12	%	%	NOUN
fsr-3615	178	13	being	be	AUX
fsr-3615	178	14	homeowners	homeowner	NOUN
fsr-3615	178	15	and	and	CCONJ
fsr-3615	178	16	about	about	ADV
fsr-3615	178	17	45	45	NUM
fsr-3615	178	18	%	%	NOUN
fsr-3615	178	19	having	have	VERB
fsr-3615	178	20	a	a	DET
fsr-3615	178	21	'	'	PUNCT
fsr-3615	178	22	very	very	ADV
fsr-3615	178	23	good	good	ADJ
fsr-3615	178	24	'	'	PUNCT
fsr-3615	178	25	credit	credit	NOUN
fsr-3615	178	26	record	record	NOUN
fsr-3615	178	27	.	.	PUNCT
fsr-3615	179	1	finally	finally	ADV
fsr-3615	179	2	,	,	PUNCT
fsr-3615	179	3	the	the	DET
fsr-3615	179	4	average	average	ADJ
fsr-3615	179	5	objective	objective	ADJ
fsr-3615	179	6	financial	financial	ADJ
fsr-3615	179	7	knowledge	knowledge	NOUN
fsr-3615	179	8	score	score	NOUN
fsr-3615	179	9	of	of	ADP
fsr-3615	179	10	the	the	DET
fsr-3615	179	11	sample	sample	NOUN
fsr-3615	179	12	was	be	AUX
fsr-3615	179	13	3.52	3.52	NUM
fsr-3615	179	14	(	(	PUNCT
fsr-3615	179	15	on	on	ADP
fsr-3615	179	16	a	a	DET
fsr-3615	179	17	scale	scale	NOUN
fsr-3615	179	18	of	of	ADP
fsr-3615	179	19	1	1	NUM
fsr-3615	179	20	to	to	PART
fsr-3615	179	21	7	7	NUM
fsr-3615	179	22	)	)	PUNCT
fsr-3615	179	23	,	,	PUNCT
fsr-3615	179	24	whereas	whereas	SCONJ
fsr-3615	179	25	the	the	DET
fsr-3615	179	26	average	average	ADJ
fsr-3615	179	27	subjective	subjective	ADJ
fsr-3615	179	28	financial	financial	ADJ
fsr-3615	179	29	knowledge	knowledge	NOUN
fsr-3615	179	30	was	be	AUX
fsr-3615	179	31	5.12	5.12	NUM
fsr-3615	179	32	(	(	PUNCT
fsr-3615	179	33	on	on	ADP
fsr-3615	179	34	a	a	DET
fsr-3615	179	35	scale	scale	NOUN
fsr-3615	179	36	of	of	ADP
fsr-3615	179	37	1	1	NUM
fsr-3615	179	38	to	to	PART
fsr-3615	179	39	7	7	NUM
fsr-3615	179	40	)	)	PUNCT
fsr-3615	179	41	,	,	PUNCT
fsr-3615	179	42	indicating	indicate	VERB
fsr-3615	179	43	varied	varied	ADJ
fsr-3615	179	44	levels	level	NOUN
fsr-3615	179	45	of	of	ADP
fsr-3615	179	46	financial	financial	ADJ
fsr-3615	179	47	literacy	literacy	NOUN
fsr-3615	179	48	among	among	ADP
fsr-3615	179	49	the	the	DET
fsr-3615	179	50	respondents	respondent	NOUN
fsr-3615	179	51	.	.	PUNCT
fsr-3615	180	1	weak	weak	ADJ
fsr-3615	180	2	correlation	correlation	NOUN
fsr-3615	180	3	was	be	AUX
fsr-3615	180	4	observed	observe	VERB
fsr-3615	180	5	between	between	ADP
fsr-3615	180	6	objective	objective	ADJ
fsr-3615	180	7	and	and	CCONJ
fsr-3615	180	8	subjective	subjective	ADJ
fsr-3615	180	9	financial	financial	ADJ
fsr-3615	180	10	knowledge	knowledge	NOUN
fsr-3615	180	11	(	(	PUNCT
fsr-3615	180	12	0.24	0.24	NUM
fsr-3615	180	13	)	)	PUNCT
fsr-3615	180	14	justifying	justify	VERB
fsr-3615	180	15	controlling	control	VERB
fsr-3615	180	16	for	for	ADP
fsr-3615	180	17	both	both	CCONJ
fsr-3615	180	18	objective	objective	ADJ
fsr-3615	180	19	and	and	CCONJ
fsr-3615	180	20	subjective	subjective	ADJ
fsr-3615	180	21	financial	financial	ADJ
fsr-3615	180	22	knowledge	knowledge	NOUN
fsr-3615	180	23	in	in	ADP
fsr-3615	180	24	our	our	PRON
fsr-3615	180	25	empirical	empirical	ADJ
fsr-3615	180	26	analyses	analysis	NOUN
fsr-3615	180	27	.	.	PUNCT
fsr-3615	181	1	this	this	PRON
fsr-3615	181	2	is	be	AUX
fsr-3615	181	3	reported	report	VERB
fsr-3615	181	4	in	in	ADP
fsr-3615	181	5	appendix	appendix	PROPN
fsr-3615	181	6	b.	b.	PROPN
fsr-3615	181	7	financial	financial	PROPN
fsr-3615	181	8	services	services	PROPN
fsr-3615	181	9	review	review	PROPN
fsr-3615	181	10	,	,	PUNCT
fsr-3615	181	11	33(1	33(1	NUM
fsr-3615	181	12	)	)	PUNCT
fsr-3615	181	13	10	10	NUM
fsr-3615	181	14	table	table	NOUN
fsr-3615	181	15	2	2	NUM
fsr-3615	181	16	.	.	PUNCT
fsr-3615	182	1	summary	summary	NOUN
fsr-3615	182	2	statistics	statistic	NOUN
fsr-3615	182	3	key	key	PROPN
fsr-3615	182	4	variables	variable	NOUN
fsr-3615	182	5	%	%	INTJ
fsr-3615	182	6	stimulus	stimulus	ADJ
fsr-3615	182	7	checks	check	NOUN
fsr-3615	182	8	for	for	ADP
fsr-3615	182	9	debt	debt	NOUN
fsr-3615	182	10	payments	payment	NOUN
fsr-3615	182	11	33.54	33.54	NUM
fsr-3615	182	12	perceived	perceive	VERB
fsr-3615	182	13	lack	lack	NOUN
fsr-3615	182	14	of	of	ADP
fsr-3615	182	15	financial	financial	ADJ
fsr-3615	182	16	control	control	NOUN
fsr-3615	182	17	1	1	NUM
fsr-3615	182	18	never	never	ADV
fsr-3615	182	19	14.54	14.54	NUM
fsr-3615	182	20	2	2	NUM
fsr-3615	182	21	rarely	rarely	ADV
fsr-3615	182	22	22.85	22.85	NUM
fsr-3615	182	23	3	3	NUM
fsr-3615	182	24	–	–	PUNCT
fsr-3615	182	25	sometimes	sometimes	ADV
fsr-3615	182	26	30.25	30.25	NUM
fsr-3615	182	27	4	4	NUM
fsr-3615	182	28	–	–	PUNCT
fsr-3615	182	29	often	often	ADV
fsr-3615	182	30	17.22	17.22	NUM
fsr-3615	182	31	5	5	NUM
fsr-3615	182	32	always	always	ADV
fsr-3615	182	33	15.14	15.14	NUM
fsr-3615	182	34	income	income	NOUN
fsr-3615	182	35	drop	drop	NOUN
fsr-3615	182	36	yes	yes	INTJ
fsr-3615	183	1	no	no	DET
fsr-3615	183	2	25.76	25.76	NUM
fsr-3615	183	3	74.33	74.33	NUM
fsr-3615	183	4	control	control	NOUN
fsr-3615	183	5	variables	variable	NOUN
fsr-3615	183	6	age	age	NOUN
fsr-3615	183	7	18	18	NUM
fsr-3615	183	8	-	-	SYM
fsr-3615	183	9	24	24	NUM
fsr-3615	183	10	11.10	11.10	NUM
fsr-3615	183	11	25	25	NUM
fsr-3615	183	12	-	-	SYM
fsr-3615	183	13	34	34	NUM
fsr-3615	183	14	17.32	17.32	NUM
fsr-3615	183	15	35	35	NUM
fsr-3615	183	16	-	-	SYM
fsr-3615	183	17	44	44	NUM
fsr-3615	183	18	16.83	16.83	NUM
fsr-3615	183	19	45	45	NUM
fsr-3615	183	20	-	-	SYM
fsr-3615	183	21	54	54	NUM
fsr-3615	183	22	17.03	17.03	NUM
fsr-3615	183	23	55	55	NUM
fsr-3615	183	24	-	-	SYM
fsr-3615	183	25	64	64	NUM
fsr-3615	183	26	17.45	17.45	NUM
fsr-3615	183	27	65	65	NUM
fsr-3615	183	28	+	+	SYM
fsr-3615	183	29	20.29	20.29	NUM
fsr-3615	183	30	gender	gender	NOUN
fsr-3615	183	31	male	male	NOUN
fsr-3615	183	32	45.97	45.97	NUM
fsr-3615	183	33	female	female	ADJ
fsr-3615	183	34	54.03	54.03	NUM
fsr-3615	183	35	ethnicity	ethnicity	NOUN
fsr-3615	183	36	non	non	ADJ
fsr-3615	183	37	-	-	ADJ
fsr-3615	183	38	hispanic	hispanic	ADJ
fsr-3615	183	39	white	white	ADJ
fsr-3615	183	40	73.98	73.98	NUM
fsr-3615	183	41	non	non	ADJ
fsr-3615	183	42	-	-	ADJ
fsr-3615	183	43	white	white	ADJ
fsr-3615	183	44	26.02	26.02	NUM
fsr-3615	183	45	marital	marital	ADJ
fsr-3615	183	46	status	status	NOUN
fsr-3615	183	47	non	non	NOUN
fsr-3615	183	48	-	-	NOUN
fsr-3615	183	49	partner	partner	ADJ
fsr-3615	183	50	41.99	41.99	NUM
fsr-3615	183	51	partner	partner	NOUN
fsr-3615	183	52	58.01	58.01	NUM
fsr-3615	183	53	employment	employment	NOUN
fsr-3615	183	54	employed	employ	VERB
fsr-3615	183	55	38.55	38.55	NUM
fsr-3615	183	56	part	part	NOUN
fsr-3615	183	57	-	-	PUNCT
fsr-3615	183	58	time	time	NOUN
fsr-3615	183	59	8.70	8.70	NUM
fsr-3615	183	60	self	self	NOUN
fsr-3615	183	61	-	-	PUNCT
fsr-3615	183	62	employed	employ	VERB
fsr-3615	183	63	7.90	7.90	NUM
fsr-3615	183	64	homemaker	homemaker	NOUN
fsr-3615	183	65	6.71	6.71	NUM
fsr-3615	183	66	full	full	ADJ
fsr-3615	183	67	-	-	PUNCT
fsr-3615	183	68	time	time	NOUN
fsr-3615	183	69	student	student	NOUN
fsr-3615	183	70	2.80	2.80	NUM
fsr-3615	183	71	unemployed	unemployed	ADJ
fsr-3615	183	72	8.10	8.10	NUM
fsr-3615	183	73	disabled	disabled	ADJ
fsr-3615	183	74	5.65	5.65	NUM
fsr-3615	183	75	retired	retire	VERB
fsr-3615	183	76	21.59	21.59	NUM
fsr-3615	183	77	emergency	emergency	NOUN
fsr-3615	183	78	funds	fund	NOUN
fsr-3615	183	79	55.89	55.89	NUM
fsr-3615	183	80	laid	lay	VERB
fsr-3615	183	81	off	off	ADP
fsr-3615	183	82	during	during	ADP
fsr-3615	183	83	pandemic	pandemic	ADJ
fsr-3615	183	84	20.54	20.54	NUM
fsr-3615	183	85	have	have	VERB
fsr-3615	183	86	money	money	NOUN
fsr-3615	183	87	left	leave	VERB
fsr-3615	183	88	never	never	ADV
fsr-3615	183	89	11.25	11.25	NUM
fsr-3615	183	90	rarely	rarely	ADV
fsr-3615	183	91	18.00	18.00	NUM
fsr-3615	183	92	sometimes	sometimes	ADV
fsr-3615	183	93	25.93	25.93	NUM
fsr-3615	183	94	ouyang	ouyang	X
fsr-3615	183	95	et	et	PROPN
fsr-3615	183	96	al	al	PROPN
fsr-3615	183	97	.	.	PROPN
fsr-3615	183	98	11	11	NUM
fsr-3615	183	99	often	often	ADV
fsr-3615	183	100	19.42	19.42	NUM
fsr-3615	183	101	always	always	ADV
fsr-3615	183	102	25.40	25.40	NUM
fsr-3615	183	103	homeownership	homeownership	NOUN
fsr-3615	183	104	59.88	59.88	NUM
fsr-3615	183	105	financial	financial	ADJ
fsr-3615	183	106	strain	strain	NOUN
fsr-3615	183	107	31.94	31.94	NUM
fsr-3615	183	108	subjective	subjective	ADJ
fsr-3615	183	109	credit	credit	NOUN
fsr-3615	183	110	record	record	NOUN
fsr-3615	183	111	very	very	ADV
fsr-3615	183	112	bad	bad	ADJ
fsr-3615	184	1	4.15	4.15	NUM
fsr-3615	184	2	bad	bad	ADJ
fsr-3615	184	3	12.34	12.34	NUM
fsr-3615	184	4	average	average	NOUN
fsr-3615	184	5	17.98	17.98	NUM
fsr-3615	184	6	good	good	ADJ
fsr-3615	184	7	20.55	20.55	NUM
fsr-3615	184	8	very	very	ADV
fsr-3615	184	9	good	good	ADJ
fsr-3615	184	10	44.97	44.97	NUM
fsr-3615	184	11	note	note	NOUN
fsr-3615	184	12	.	.	PUNCT
fsr-3615	185	1	n=18,790	n=18,790	ADP
fsr-3615	185	2	;	;	PUNCT
fsr-3615	185	3	mean	mean	NOUN
fsr-3615	185	4	of	of	ADP
fsr-3615	185	5	objective	objective	ADJ
fsr-3615	185	6	financial	financial	ADJ
fsr-3615	185	7	knowledge	knowledge	NOUN
fsr-3615	185	8	=	=	NOUN
fsr-3615	185	9	3.52	3.52	NUM
fsr-3615	185	10	,	,	PUNCT
fsr-3615	185	11	subjective	subjective	ADJ
fsr-3615	185	12	financial	financial	ADJ
fsr-3615	185	13	knowledge	knowledge	NOUN
fsr-3615	185	14	=	=	NOUN
fsr-3615	185	15	5.12	5.12	NUM
fsr-3615	185	16	.	.	PUNCT
fsr-3615	185	17	multivariate	multivariate	NOUN
fsr-3615	185	18	results	result	NOUN
fsr-3615	185	19	table	table	NOUN
fsr-3615	185	20	3	3	NUM
fsr-3615	185	21	presents	present	VERB
fsr-3615	185	22	the	the	DET
fsr-3615	185	23	outcomes	outcome	NOUN
fsr-3615	185	24	from	from	ADP
fsr-3615	185	25	the	the	DET
fsr-3615	185	26	logistic	logistic	ADJ
fsr-3615	185	27	regression	regression	NOUN
fsr-3615	185	28	analysis	analysis	NOUN
fsr-3615	185	29	,	,	PUNCT
fsr-3615	185	30	which	which	PRON
fsr-3615	185	31	focused	focus	VERB
fsr-3615	185	32	on	on	ADP
fsr-3615	185	33	discerning	discern	VERB
fsr-3615	185	34	significant	significant	ADJ
fsr-3615	185	35	patterns	pattern	NOUN
fsr-3615	185	36	among	among	ADP
fsr-3615	185	37	households	household	NOUN
fsr-3615	185	38	utilizing	utilize	VERB
fsr-3615	185	39	stimulus	stimulus	ADJ
fsr-3615	185	40	checks	check	NOUN
fsr-3615	185	41	for	for	ADP
fsr-3615	185	42	debt	debt	NOUN
fsr-3615	185	43	repayments	repayment	NOUN
fsr-3615	185	44	.	.	PUNCT
fsr-3615	186	1	the	the	DET
fsr-3615	186	2	analysis	analysis	NOUN
fsr-3615	186	3	revealed	reveal	VERB
fsr-3615	186	4	that	that	SCONJ
fsr-3615	186	5	with	with	SCONJ
fsr-3615	186	6	all	all	DET
fsr-3615	186	7	other	other	ADJ
fsr-3615	186	8	variables	variable	NOUN
fsr-3615	186	9	controlled	control	VERB
fsr-3615	186	10	,	,	PUNCT
fsr-3615	186	11	households	household	NOUN
fsr-3615	186	12	that	that	PRON
fsr-3615	186	13	reported	report	VERB
fsr-3615	186	14	an	an	DET
fsr-3615	186	15	income	income	NOUN
fsr-3615	186	16	drop	drop	NOUN
fsr-3615	186	17	during	during	ADP
fsr-3615	186	18	the	the	DET
fsr-3615	186	19	pandemic	pandemic	NOUN
fsr-3615	186	20	had	have	VERB
fsr-3615	186	21	about	about	ADV
fsr-3615	186	22	1.12	1.12	NUM
fsr-3615	186	23	times	time	NOUN
fsr-3615	186	24	the	the	DET
fsr-3615	186	25	odds	odd	NOUN
fsr-3615	186	26	of	of	ADP
fsr-3615	186	27	using	use	VERB
fsr-3615	186	28	received	receive	VERB
fsr-3615	186	29	stimulus	stimulus	ADJ
fsr-3615	186	30	checks	check	NOUN
fsr-3615	186	31	for	for	ADP
fsr-3615	186	32	debt	debt	NOUN
fsr-3615	186	33	payments	payment	NOUN
fsr-3615	186	34	compared	compare	VERB
fsr-3615	186	35	to	to	ADP
fsr-3615	186	36	households	household	NOUN
fsr-3615	186	37	that	that	PRON
fsr-3615	186	38	reported	report	VERB
fsr-3615	186	39	no	no	DET
fsr-3615	186	40	income	income	NOUN
fsr-3615	186	41	drop	drop	NOUN
fsr-3615	186	42	.	.	PUNCT
fsr-3615	187	1	furthermore	furthermore	ADV
fsr-3615	187	2	,	,	PUNCT
fsr-3615	187	3	the	the	DET
fsr-3615	187	4	degree	degree	NOUN
fsr-3615	187	5	of	of	ADP
fsr-3615	187	6	perceived	perceive	VERB
fsr-3615	187	7	lack	lack	NOUN
fsr-3615	187	8	of	of	ADP
fsr-3615	187	9	financial	financial	ADJ
fsr-3615	187	10	control	control	NOUN
fsr-3615	187	11	emerged	emerge	VERB
fsr-3615	187	12	as	as	ADP
fsr-3615	187	13	a	a	DET
fsr-3615	187	14	robust	robust	ADJ
fsr-3615	187	15	predictor	predictor	NOUN
fsr-3615	187	16	in	in	ADP
fsr-3615	187	17	this	this	DET
fsr-3615	187	18	context	context	NOUN
fsr-3615	187	19	.	.	PUNCT
fsr-3615	188	1	relative	relative	ADJ
fsr-3615	188	2	to	to	ADP
fsr-3615	188	3	households	household	NOUN
fsr-3615	188	4	reporting	report	VERB
fsr-3615	188	5	no	no	DET
fsr-3615	188	6	perceived	perceive	VERB
fsr-3615	188	7	lack	lack	NOUN
fsr-3615	188	8	of	of	ADP
fsr-3615	188	9	financial	financial	ADJ
fsr-3615	188	10	control	control	NOUN
fsr-3615	188	11	,	,	PUNCT
fsr-3615	188	12	those	those	PRON
fsr-3615	188	13	categorizing	categorize	VERB
fsr-3615	188	14	their	their	PRON
fsr-3615	188	15	lack	lack	NOUN
fsr-3615	188	16	of	of	ADP
fsr-3615	188	17	financial	financial	ADJ
fsr-3615	188	18	control	control	NOUN
fsr-3615	188	19	as	as	SCONJ
fsr-3615	188	20	'	'	PUNCT
fsr-3615	188	21	rarely	rarely	ADV
fsr-3615	188	22	'	'	PUNCT
fsr-3615	188	23	demonstrated	demonstrate	VERB
fsr-3615	188	24	34	34	NUM
fsr-3615	188	25	%	%	NOUN
fsr-3615	188	26	higher	high	ADJ
fsr-3615	188	27	odds	odd	NOUN
fsr-3615	188	28	of	of	ADP
fsr-3615	188	29	using	use	VERB
fsr-3615	188	30	stimulus	stimulus	ADJ
fsr-3615	188	31	checks	check	NOUN
fsr-3615	188	32	for	for	ADP
fsr-3615	188	33	debt	debt	NOUN
fsr-3615	188	34	repayments	repayment	NOUN
fsr-3615	188	35	.	.	PUNCT
fsr-3615	189	1	the	the	DET
fsr-3615	189	2	odds	odd	NOUN
fsr-3615	189	3	escalated	escalate	VERB
fsr-3615	189	4	progressively	progressively	ADV
fsr-3615	189	5	with	with	ADP
fsr-3615	189	6	higher	high	ADJ
fsr-3615	189	7	levels	level	NOUN
fsr-3615	189	8	of	of	ADP
fsr-3615	189	9	perceived	perceive	VERB
fsr-3615	189	10	lack	lack	NOUN
fsr-3615	189	11	of	of	ADP
fsr-3615	189	12	control	control	NOUN
fsr-3615	189	13	:	:	PUNCT
fsr-3615	189	14	households	household	NOUN
fsr-3615	189	15	reporting	report	VERB
fsr-3615	189	16	'	'	PUNCT
fsr-3615	189	17	sometimes	sometimes	ADV
fsr-3615	189	18	'	'	PUNCT
fsr-3615	189	19	showed	show	VERB
fsr-3615	189	20	60.3	60.3	NUM
fsr-3615	189	21	%	%	NOUN
fsr-3615	189	22	higher	high	ADJ
fsr-3615	189	23	odds	odd	NOUN
fsr-3615	189	24	,	,	PUNCT
fsr-3615	189	25	'	'	PUNCT
fsr-3615	189	26	often	often	ADV
fsr-3615	189	27	'	'	PUNCT
fsr-3615	189	28	corresponded	correspond	VERB
fsr-3615	189	29	to	to	ADP
fsr-3615	189	30	75	75	NUM
fsr-3615	189	31	%	%	NOUN
fsr-3615	189	32	higher	high	ADJ
fsr-3615	189	33	odds	odd	NOUN
fsr-3615	189	34	,	,	PUNCT
fsr-3615	189	35	and	and	CCONJ
fsr-3615	189	36	those	those	PRON
fsr-3615	189	37	indicating	indicate	VERB
fsr-3615	189	38	'	'	PUNCT
fsr-3615	189	39	always	always	ADV
fsr-3615	189	40	'	'	PUNCT
fsr-3615	189	41	exhibited	exhibit	VERB
fsr-3615	189	42	91.2	91.2	NUM
fsr-3615	189	43	%	%	NOUN
fsr-3615	189	44	higher	high	ADJ
fsr-3615	189	45	odds	odd	NOUN
fsr-3615	189	46	of	of	ADP
fsr-3615	189	47	using	use	VERB
fsr-3615	189	48	their	their	PRON
fsr-3615	189	49	stimulus	stimulus	ADJ
fsr-3615	189	50	checks	check	NOUN
fsr-3615	189	51	for	for	ADP
fsr-3615	189	52	debt	debt	NOUN
fsr-3615	189	53	payments	payment	NOUN
fsr-3615	189	54	.	.	PUNCT
fsr-3615	190	1	these	these	DET
fsr-3615	190	2	findings	finding	NOUN
fsr-3615	190	3	underscore	underscore	VERB
fsr-3615	190	4	the	the	DET
fsr-3615	190	5	influential	influential	ADJ
fsr-3615	190	6	role	role	NOUN
fsr-3615	190	7	of	of	ADP
fsr-3615	190	8	perceived	perceive	VERB
fsr-3615	190	9	lack	lack	NOUN
fsr-3615	190	10	of	of	ADP
fsr-3615	190	11	financial	financial	ADJ
fsr-3615	190	12	control	control	NOUN
fsr-3615	190	13	in	in	ADP
fsr-3615	190	14	the	the	DET
fsr-3615	190	15	decision	decision	NOUN
fsr-3615	190	16	-	-	PUNCT
fsr-3615	190	17	making	make	VERB
fsr-3615	190	18	processes	process	NOUN
fsr-3615	190	19	regarding	regard	VERB
fsr-3615	190	20	the	the	DET
fsr-3615	190	21	use	use	NOUN
fsr-3615	190	22	of	of	ADP
fsr-3615	190	23	stimulus	stimulus	ADJ
fsr-3615	190	24	funds	fund	NOUN
fsr-3615	190	25	for	for	ADP
fsr-3615	190	26	debt	debt	NOUN
fsr-3615	190	27	management	management	NOUN
fsr-3615	190	28	.	.	PUNCT
fsr-3615	191	1	controlling	control	VERB
fsr-3615	191	2	for	for	ADP
fsr-3615	191	3	other	other	ADJ
fsr-3615	191	4	variables	variable	NOUN
fsr-3615	191	5	,	,	PUNCT
fsr-3615	191	6	middle	middle	ADJ
fsr-3615	191	7	-	-	PUNCT
fsr-3615	191	8	aged	aged	ADJ
fsr-3615	191	9	households	household	NOUN
fsr-3615	191	10	demonstrated	demonstrate	VERB
fsr-3615	191	11	a	a	DET
fsr-3615	191	12	greater	great	ADJ
fsr-3615	191	13	propensity	propensity	NOUN
fsr-3615	191	14	for	for	ADP
fsr-3615	191	15	using	use	VERB
fsr-3615	191	16	stimulus	stimulus	ADJ
fsr-3615	191	17	proceeds	proceed	NOUN
fsr-3615	191	18	for	for	ADP
fsr-3615	191	19	debt	debt	NOUN
fsr-3615	191	20	service	service	NOUN
fsr-3615	191	21	than	than	ADP
fsr-3615	191	22	their	their	PRON
fsr-3615	191	23	younger	young	ADJ
fsr-3615	191	24	counterparts	counterpart	NOUN
fsr-3615	191	25	.	.	PUNCT
fsr-3615	192	1	specifically	specifically	ADV
fsr-3615	192	2	,	,	PUNCT
fsr-3615	192	3	households	household	NOUN
fsr-3615	192	4	aged	age	VERB
fsr-3615	192	5	between	between	ADP
fsr-3615	192	6	25	25	NUM
fsr-3615	192	7	and	and	CCONJ
fsr-3615	192	8	34	34	NUM
fsr-3615	192	9	were	be	AUX
fsr-3615	192	10	found	find	VERB
fsr-3615	192	11	to	to	PART
fsr-3615	192	12	have	have	VERB
fsr-3615	192	13	42	42	NUM
fsr-3615	192	14	%	%	NOUN
fsr-3615	192	15	higher	high	ADJ
fsr-3615	192	16	odds	odd	NOUN
fsr-3615	192	17	of	of	ADP
fsr-3615	192	18	using	use	VERB
fsr-3615	192	19	their	their	PRON
fsr-3615	192	20	stimulus	stimulus	ADJ
fsr-3615	192	21	checks	check	NOUN
fsr-3615	192	22	for	for	ADP
fsr-3615	192	23	debt	debt	NOUN
fsr-3615	192	24	payments	payment	NOUN
fsr-3615	192	25	than	than	ADP
fsr-3615	192	26	those	those	PRON
fsr-3615	192	27	under	under	ADP
fsr-3615	192	28	24	24	NUM
fsr-3615	192	29	years	year	NOUN
fsr-3615	192	30	of	of	ADP
fsr-3615	192	31	age	age	NOUN
fsr-3615	192	32	.	.	PUNCT
fsr-3615	193	1	this	this	DET
fsr-3615	193	2	trend	trend	NOUN
fsr-3615	193	3	continued	continue	VERB
fsr-3615	193	4	with	with	ADP
fsr-3615	193	5	older	old	ADJ
fsr-3615	193	6	age	age	NOUN
fsr-3615	193	7	groups	group	NOUN
fsr-3615	193	8	:	:	PUNCT
fsr-3615	193	9	households	household	NOUN
fsr-3615	193	10	aged	age	VERB
fsr-3615	193	11	35	35	NUM
fsr-3615	193	12	to	to	PART
fsr-3615	193	13	44	44	NUM
fsr-3615	193	14	had	have	VERB
fsr-3615	193	15	29.30	29.30	NUM
fsr-3615	193	16	%	%	NOUN
fsr-3615	193	17	increased	increase	VERB
fsr-3615	193	18	odds	odd	NOUN
fsr-3615	193	19	,	,	PUNCT
fsr-3615	193	20	and	and	CCONJ
fsr-3615	193	21	those	those	PRON
fsr-3615	193	22	aged	age	VERB
fsr-3615	193	23	45	45	NUM
fsr-3615	193	24	to	to	PART
fsr-3615	193	25	54	54	NUM
fsr-3615	193	26	showed	show	VERB
fsr-3615	193	27	17.30	17.30	NUM
fsr-3615	193	28	%	%	NOUN
fsr-3615	193	29	higher	high	ADJ
fsr-3615	193	30	odds	odd	NOUN
fsr-3615	193	31	compared	compare	VERB
fsr-3615	193	32	to	to	ADP
fsr-3615	193	33	the	the	DET
fsr-3615	193	34	under-24	under-24	PROPN
fsr-3615	193	35	cohort	cohort	NOUN
fsr-3615	193	36	.	.	PUNCT
fsr-3615	194	1	gender	gender	NOUN
fsr-3615	194	2	differences	difference	NOUN
fsr-3615	194	3	were	be	AUX
fsr-3615	194	4	also	also	ADV
fsr-3615	194	5	notable	notable	ADJ
fsr-3615	194	6	.	.	PUNCT
fsr-3615	195	1	women	woman	NOUN
fsr-3615	195	2	had	have	VERB
fsr-3615	195	3	8.30	8.30	NUM
fsr-3615	195	4	%	%	NOUN
fsr-3615	195	5	higher	high	ADJ
fsr-3615	195	6	odds	odd	NOUN
fsr-3615	195	7	of	of	ADP
fsr-3615	195	8	utilizing	utilize	VERB
fsr-3615	195	9	their	their	PRON
fsr-3615	195	10	stimulus	stimulus	ADJ
fsr-3615	195	11	checks	check	NOUN
fsr-3615	195	12	for	for	ADP
fsr-3615	195	13	debt	debt	NOUN
fsr-3615	195	14	payments	payment	NOUN
fsr-3615	195	15	compared	compare	VERB
fsr-3615	195	16	to	to	ADP
fsr-3615	195	17	men	man	NOUN
fsr-3615	195	18	.	.	PUNCT
fsr-3615	196	1	ethnicity	ethnicity	NOUN
fsr-3615	196	2	further	far	ADV
fsr-3615	196	3	influenced	influence	VERB
fsr-3615	196	4	this	this	DET
fsr-3615	196	5	pattern	pattern	NOUN
fsr-3615	196	6	,	,	PUNCT
fsr-3615	196	7	with	with	ADP
fsr-3615	196	8	non	non	ADJ
fsr-3615	196	9	-	-	ADJ
fsr-3615	196	10	white	white	ADJ
fsr-3615	196	11	households	household	NOUN
fsr-3615	196	12	having	have	VERB
fsr-3615	196	13	15.40	15.40	NUM
fsr-3615	196	14	%	%	NOUN
fsr-3615	196	15	higher	high	ADJ
fsr-3615	196	16	odds	odd	NOUN
fsr-3615	196	17	of	of	ADP
fsr-3615	196	18	using	use	VERB
fsr-3615	196	19	these	these	DET
fsr-3615	196	20	funds	fund	NOUN
fsr-3615	196	21	for	for	ADP
fsr-3615	196	22	debt	debt	NOUN
fsr-3615	196	23	payments	payment	NOUN
fsr-3615	196	24	than	than	ADP
fsr-3615	196	25	white	white	ADJ
fsr-3615	196	26	households	household	NOUN
fsr-3615	196	27	.	.	PUNCT
fsr-3615	197	1	employment	employment	NOUN
fsr-3615	197	2	status	status	NOUN
fsr-3615	197	3	and	and	CCONJ
fsr-3615	197	4	income	income	NOUN
fsr-3615	197	5	levels	level	NOUN
fsr-3615	197	6	also	also	ADV
fsr-3615	197	7	played	play	VERB
fsr-3615	197	8	a	a	DET
fsr-3615	197	9	role	role	NOUN
fsr-3615	197	10	.	.	PUNCT
fsr-3615	198	1	compared	compare	VERB
fsr-3615	198	2	to	to	ADP
fsr-3615	198	3	employed	employ	VERB
fsr-3615	198	4	households	household	NOUN
fsr-3615	198	5	,	,	PUNCT
fsr-3615	198	6	households	household	NOUN
fsr-3615	198	7	comprised	comprise	VERB
fsr-3615	198	8	of	of	ADP
fsr-3615	198	9	self	self	NOUN
fsr-3615	198	10	-	-	PUNCT
fsr-3615	198	11	employed	employ	VERB
fsr-3615	198	12	individuals	individual	NOUN
fsr-3615	198	13	,	,	PUNCT
fsr-3615	198	14	part	part	ADJ
fsr-3615	198	15	-	-	PUNCT
fsr-3615	198	16	time	time	NOUN
fsr-3615	198	17	workers	worker	NOUN
fsr-3615	198	18	,	,	PUNCT
fsr-3615	198	19	homemakers	homemaker	NOUN
fsr-3615	198	20	,	,	PUNCT
fsr-3615	198	21	and	and	CCONJ
fsr-3615	198	22	full	full	ADJ
fsr-3615	198	23	-	-	PUNCT
fsr-3615	198	24	time	time	NOUN
fsr-3615	198	25	students	student	NOUN
fsr-3615	198	26	were	be	AUX
fsr-3615	198	27	less	less	ADV
fsr-3615	198	28	likely	likely	ADJ
fsr-3615	198	29	to	to	PART
fsr-3615	198	30	allocate	allocate	VERB
fsr-3615	198	31	stimulus	stimulus	ADJ
fsr-3615	198	32	checks	check	NOUN
fsr-3615	198	33	towards	towards	ADP
fsr-3615	198	34	debt	debt	NOUN
fsr-3615	198	35	repayments	repayment	NOUN
fsr-3615	198	36	.	.	PUNCT
fsr-3615	199	1	additionally	additionally	ADV
fsr-3615	199	2	,	,	PUNCT
fsr-3615	199	3	households	household	NOUN
fsr-3615	199	4	with	with	ADP
fsr-3615	199	5	an	an	DET
fsr-3615	199	6	income	income	NOUN
fsr-3615	199	7	level	level	NOUN
fsr-3615	199	8	above	above	ADP
fsr-3615	199	9	$	$	SYM
fsr-3615	199	10	15,000	15,000	NUM
fsr-3615	199	11	,	,	PUNCT
fsr-3615	199	12	particularly	particularly	ADV
fsr-3615	199	13	those	those	PRON
fsr-3615	199	14	in	in	ADP
fsr-3615	199	15	the	the	DET
fsr-3615	199	16	middle	middle	NOUN
fsr-3615	199	17	to	to	ADP
fsr-3615	199	18	upper	upper	ADJ
fsr-3615	199	19	-	-	PUNCT
fsr-3615	199	20	middle	middle	ADJ
fsr-3615	199	21	-	-	PUNCT
fsr-3615	199	22	class	class	NOUN
fsr-3615	199	23	bracket	bracket	NOUN
fsr-3615	199	24	,	,	PUNCT
fsr-3615	199	25	exhibited	exhibit	VERB
fsr-3615	199	26	higher	high	ADJ
fsr-3615	199	27	odds	odd	NOUN
fsr-3615	199	28	of	of	ADP
fsr-3615	199	29	using	use	VERB
fsr-3615	199	30	their	their	PRON
fsr-3615	199	31	stimulus	stimulus	ADJ
fsr-3615	199	32	checks	check	NOUN
fsr-3615	199	33	for	for	ADP
fsr-3615	199	34	this	this	DET
fsr-3615	199	35	purpose	purpose	NOUN
fsr-3615	199	36	compared	compare	VERB
fsr-3615	199	37	to	to	ADP
fsr-3615	199	38	households	household	NOUN
fsr-3615	199	39	with	with	ADP
fsr-3615	199	40	an	an	DET
fsr-3615	199	41	income	income	NOUN
fsr-3615	199	42	level	level	NOUN
fsr-3615	199	43	of	of	ADP
fsr-3615	199	44	less	less	ADJ
fsr-3615	199	45	than	than	ADP
fsr-3615	199	46	$	$	SYM
fsr-3615	199	47	15,000	15,000	NUM
fsr-3615	199	48	.	.	PUNCT
fsr-3615	200	1	after	after	ADP
fsr-3615	200	2	controlling	control	VERB
fsr-3615	200	3	all	all	DET
fsr-3615	200	4	other	other	ADJ
fsr-3615	200	5	factors	factor	NOUN
fsr-3615	200	6	,	,	PUNCT
fsr-3615	200	7	the	the	DET
fsr-3615	200	8	presence	presence	NOUN
fsr-3615	200	9	of	of	ADP
fsr-3615	200	10	emergency	emergency	NOUN
fsr-3615	200	11	funds	fund	NOUN
fsr-3615	200	12	significantly	significantly	ADV
fsr-3615	200	13	influenced	influence	VERB
fsr-3615	200	14	the	the	DET
fsr-3615	200	15	use	use	NOUN
fsr-3615	200	16	of	of	ADP
fsr-3615	200	17	stimulus	stimulus	ADJ
fsr-3615	200	18	checks	check	NOUN
fsr-3615	200	19	for	for	ADP
fsr-3615	200	20	debt	debt	NOUN
fsr-3615	200	21	repayments	repayment	NOUN
fsr-3615	200	22	.	.	PUNCT
fsr-3615	201	1	households	household	NOUN
fsr-3615	201	2	with	with	ADP
fsr-3615	201	3	such	such	ADJ
fsr-3615	201	4	funds	fund	NOUN
fsr-3615	201	5	exhibited	exhibit	VERB
fsr-3615	201	6	1.55	1.55	NUM
fsr-3615	201	7	times	time	NOUN
fsr-3615	201	8	the	the	DET
fsr-3615	201	9	odds	odd	NOUN
fsr-3615	201	10	of	of	ADP
fsr-3615	201	11	using	use	VERB
fsr-3615	201	12	their	their	PRON
fsr-3615	201	13	stimulus	stimulus	ADJ
fsr-3615	201	14	checks	check	NOUN
fsr-3615	201	15	for	for	ADP
fsr-3615	201	16	debt	debt	NOUN
fsr-3615	201	17	payments	payment	NOUN
fsr-3615	201	18	compared	compare	VERB
fsr-3615	201	19	to	to	ADP
fsr-3615	201	20	those	those	PRON
fsr-3615	201	21	without	without	ADP
fsr-3615	201	22	emergency	emergency	NOUN
fsr-3615	201	23	funds	fund	NOUN
fsr-3615	201	24	.	.	PUNCT
fsr-3615	202	1	additionally	additionally	ADV
fsr-3615	202	2	,	,	PUNCT
fsr-3615	202	3	homeownership	homeownership	NOUN
fsr-3615	202	4	was	be	AUX
fsr-3615	202	5	a	a	DET
fsr-3615	202	6	notable	notable	ADJ
fsr-3615	202	7	predictor	predictor	NOUN
fsr-3615	202	8	;	;	PUNCT
fsr-3615	202	9	homeowners	homeowner	NOUN
fsr-3615	202	10	had	have	VERB
fsr-3615	202	11	1.67	1.67	NUM
fsr-3615	202	12	times	time	NOUN
fsr-3615	202	13	the	the	DET
fsr-3615	202	14	odds	odd	NOUN
fsr-3615	202	15	of	of	ADP
fsr-3615	202	16	using	use	VERB
fsr-3615	202	17	stimulus	stimulus	ADJ
fsr-3615	202	18	checks	check	NOUN
fsr-3615	202	19	for	for	ADP
fsr-3615	202	20	debt	debt	NOUN
fsr-3615	202	21	payments	payment	NOUN
fsr-3615	202	22	than	than	ADP
fsr-3615	202	23	renters	renter	NOUN
fsr-3615	202	24	.	.	PUNCT
fsr-3615	203	1	financial	financial	ADJ
fsr-3615	203	2	services	service	NOUN
fsr-3615	203	3	review	review	PROPN
fsr-3615	203	4	,	,	PUNCT
fsr-3615	203	5	33(1	33(1	NUM
fsr-3615	203	6	)	)	PUNCT
fsr-3615	203	7	12	12	NUM
fsr-3615	203	8	we	we	PRON
fsr-3615	203	9	also	also	ADV
fsr-3615	203	10	found	find	VERB
fsr-3615	203	11	a	a	DET
fsr-3615	203	12	positive	positive	ADJ
fsr-3615	203	13	association	association	NOUN
fsr-3615	203	14	between	between	ADP
fsr-3615	203	15	households	household	NOUN
fsr-3615	203	16	'	'	PART
fsr-3615	203	17	financial	financial	ADJ
fsr-3615	203	18	knowledge	knowledge	NOUN
fsr-3615	203	19	,	,	PUNCT
fsr-3615	203	20	both	both	CCONJ
fsr-3615	203	21	subjective	subjective	ADJ
fsr-3615	203	22	and	and	CCONJ
fsr-3615	203	23	objective	objective	ADJ
fsr-3615	203	24	,	,	PUNCT
fsr-3615	203	25	and	and	CCONJ
fsr-3615	203	26	the	the	DET
fsr-3615	203	27	use	use	NOUN
fsr-3615	203	28	of	of	ADP
fsr-3615	203	29	stimulus	stimulus	ADJ
fsr-3615	203	30	checks	check	NOUN
fsr-3615	203	31	for	for	ADP
fsr-3615	203	32	debt	debt	NOUN
fsr-3615	203	33	payments	payment	NOUN
fsr-3615	203	34	.	.	PUNCT
fsr-3615	204	1	households	household	NOUN
fsr-3615	204	2	experiencing	experience	VERB
fsr-3615	204	3	financial	financial	ADJ
fsr-3615	204	4	strains	strain	NOUN
fsr-3615	204	5	were	be	AUX
fsr-3615	204	6	1.27	1.27	NUM
fsr-3615	204	7	times	time	NOUN
fsr-3615	204	8	the	the	DET
fsr-3615	204	9	odds	odd	NOUN
fsr-3615	204	10	of	of	ADP
fsr-3615	204	11	using	use	VERB
fsr-3615	204	12	these	these	DET
fsr-3615	204	13	checks	check	NOUN
fsr-3615	204	14	for	for	ADP
fsr-3615	204	15	debt	debt	NOUN
fsr-3615	204	16	payments	payment	NOUN
fsr-3615	204	17	than	than	ADP
fsr-3615	204	18	those	those	PRON
fsr-3615	204	19	without	without	ADP
fsr-3615	204	20	such	such	ADJ
fsr-3615	204	21	strains	strain	NOUN
fsr-3615	204	22	.	.	PUNCT
fsr-3615	205	1	credit	credit	NOUN
fsr-3615	205	2	history	history	NOUN
fsr-3615	205	3	emerged	emerge	VERB
fsr-3615	205	4	as	as	ADP
fsr-3615	205	5	another	another	DET
fsr-3615	205	6	influential	influential	ADJ
fsr-3615	205	7	factor	factor	NOUN
fsr-3615	205	8	.	.	PUNCT
fsr-3615	206	1	households	household	NOUN
fsr-3615	206	2	with	with	ADP
fsr-3615	206	3	a	a	DET
fsr-3615	206	4	better	well	ADJ
fsr-3615	206	5	credit	credit	NOUN
fsr-3615	206	6	record	record	NOUN
fsr-3615	206	7	,	,	PUNCT
fsr-3615	206	8	compared	compare	VERB
fsr-3615	206	9	to	to	ADP
fsr-3615	206	10	those	those	PRON
fsr-3615	206	11	with	with	ADP
fsr-3615	206	12	a	a	DET
fsr-3615	206	13	very	very	ADV
fsr-3615	206	14	poor	poor	ADJ
fsr-3615	206	15	credit	credit	NOUN
fsr-3615	206	16	record	record	NOUN
fsr-3615	206	17	,	,	PUNCT
fsr-3615	206	18	showed	show	VERB
fsr-3615	206	19	a	a	DET
fsr-3615	206	20	positive	positive	ADJ
fsr-3615	206	21	association	association	NOUN
fsr-3615	206	22	with	with	ADP
fsr-3615	206	23	the	the	DET
fsr-3615	206	24	use	use	NOUN
fsr-3615	206	25	of	of	ADP
fsr-3615	206	26	received	receive	VERB
fsr-3615	206	27	stimulus	stimulus	ADJ
fsr-3615	206	28	checks	check	NOUN
fsr-3615	206	29	for	for	ADP
fsr-3615	206	30	debt	debt	NOUN
fsr-3615	206	31	payments	payment	NOUN
fsr-3615	206	32	,	,	PUNCT
fsr-3615	206	33	with	with	ADP
fsr-3615	206	34	odds	odd	NOUN
fsr-3615	206	35	ranging	range	VERB
fsr-3615	206	36	from	from	ADP
fsr-3615	206	37	1.27	1.27	NUM
fsr-3615	206	38	times	time	NOUN
fsr-3615	206	39	to	to	ADP
fsr-3615	206	40	2.40	2.40	NUM
fsr-3615	206	41	times	time	NOUN
fsr-3615	206	42	.	.	PUNCT
fsr-3615	207	1	furthermore	furthermore	ADV
fsr-3615	207	2	,	,	PUNCT
fsr-3615	207	3	the	the	DET
fsr-3615	207	4	extent	extent	NOUN
fsr-3615	207	5	of	of	ADP
fsr-3615	207	6	remaining	remaining	ADJ
fsr-3615	207	7	funds	fund	NOUN
fsr-3615	207	8	after	after	ADP
fsr-3615	207	9	essential	essential	ADJ
fsr-3615	207	10	expenses	expense	NOUN
fsr-3615	207	11	also	also	ADV
fsr-3615	207	12	affected	affect	VERB
fsr-3615	207	13	this	this	DET
fsr-3615	207	14	usage	usage	NOUN
fsr-3615	207	15	.	.	PUNCT
fsr-3615	208	1	households	household	NOUN
fsr-3615	208	2	reporting	report	VERB
fsr-3615	208	3	'	'	PUNCT
fsr-3615	208	4	rarely	rarely	ADV
fsr-3615	208	5	'	'	PUNCT
fsr-3615	208	6	having	have	VERB
fsr-3615	208	7	money	money	NOUN
fsr-3615	208	8	left	leave	VERB
fsr-3615	208	9	exhibited	exhibit	VERB
fsr-3615	208	10	16.00	16.00	NUM
fsr-3615	208	11	%	%	NOUN
fsr-3615	208	12	higher	high	ADJ
fsr-3615	208	13	odds	odd	NOUN
fsr-3615	208	14	of	of	ADP
fsr-3615	208	15	using	use	VERB
fsr-3615	208	16	their	their	PRON
fsr-3615	208	17	stimulus	stimulus	ADJ
fsr-3615	208	18	checks	check	NOUN
fsr-3615	208	19	for	for	ADP
fsr-3615	208	20	debt	debt	NOUN
fsr-3615	208	21	payments	payment	NOUN
fsr-3615	208	22	than	than	ADP
fsr-3615	208	23	those	those	PRON
fsr-3615	208	24	with	with	ADP
fsr-3615	208	25	no	no	DET
fsr-3615	208	26	money	money	NOUN
fsr-3615	208	27	left	leave	VERB
fsr-3615	208	28	.	.	PUNCT
fsr-3615	209	1	interestingly	interestingly	ADV
fsr-3615	209	2	,	,	PUNCT
fsr-3615	209	3	households	household	NOUN
fsr-3615	209	4	that	that	PRON
fsr-3615	209	5	'	'	PUNCT
fsr-3615	209	6	often	often	ADV
fsr-3615	209	7	'	'	PUNCT
fsr-3615	209	8	or	or	CCONJ
fsr-3615	209	9	'	'	PUNCT
fsr-3615	209	10	sometimes	sometimes	ADV
fsr-3615	209	11	'	'	PUNCT
fsr-3615	209	12	had	have	VERB
fsr-3615	209	13	funds	fund	NOUN
fsr-3615	209	14	remaining	remain	VERB
fsr-3615	209	15	were	be	AUX
fsr-3615	209	16	less	less	ADV
fsr-3615	209	17	likely	likely	ADJ
fsr-3615	209	18	to	to	PART
fsr-3615	209	19	use	use	VERB
fsr-3615	209	20	their	their	PRON
fsr-3615	209	21	stimulus	stimulus	ADJ
fsr-3615	209	22	checks	check	NOUN
fsr-3615	209	23	for	for	ADP
fsr-3615	209	24	debt	debt	NOUN
fsr-3615	209	25	payments	payment	NOUN
fsr-3615	209	26	,	,	PUNCT
fsr-3615	209	27	with	with	ADP
fsr-3615	209	28	18.00	18.00	NUM
fsr-3615	209	29	%	%	NOUN
fsr-3615	209	30	and	and	CCONJ
fsr-3615	209	31	37.00	37.00	NUM
fsr-3615	209	32	%	%	NOUN
fsr-3615	209	33	lower	low	ADJ
fsr-3615	209	34	odds	odd	NOUN
fsr-3615	209	35	,	,	PUNCT
fsr-3615	209	36	respectively	respectively	ADV
fsr-3615	209	37	.	.	PUNCT
fsr-3615	209	38	table	table	NOUN
fsr-3615	209	39	3	3	NUM
fsr-3615	209	40	.	.	PUNCT
fsr-3615	209	41	logistic	logistic	ADJ
fsr-3615	209	42	regression	regression	NOUN
fsr-3615	209	43	of	of	ADP
fsr-3615	209	44	whether	whether	SCONJ
fsr-3615	209	45	households	household	NOUN
fsr-3615	209	46	used	use	VERB
fsr-3615	209	47	stimulus	stimulus	ADJ
fsr-3615	209	48	checks	check	NOUN
fsr-3615	209	49	for	for	ADP
fsr-3615	209	50	debt	debt	NOUN
fsr-3615	209	51	payments	payment	NOUN
fsr-3615	209	52	use	use	VERB
fsr-3615	209	53	stimulus	stimulus	ADJ
fsr-3615	209	54	checks	check	NOUN
fsr-3615	209	55	for	for	ADP
fsr-3615	209	56	debt	debt	NOUN
fsr-3615	209	57	payments	payment	NOUN
fsr-3615	209	58	odds	odd	NOUN
fsr-3615	209	59	ratio	ratio	NOUN
fsr-3615	209	60	s.e	s.e	PROPN
fsr-3615	209	61	.	.	PROPN
fsr-3615	209	62	exogenous	exogenous	ADJ
fsr-3615	209	63	(	(	PUNCT
fsr-3615	209	64	independent	independent	ADJ
fsr-3615	209	65	)	)	PUNCT
fsr-3615	209	66	variables	variable	NOUN
fsr-3615	209	67	income	income	NOUN
fsr-3615	209	68	drop	drop	VERB
fsr-3615	209	69	yes	yes	INTJ
fsr-3615	209	70	1.12	1.12	NUM
fsr-3615	209	71	*	*	PUNCT
fsr-3615	209	72	*	*	SYM
fsr-3615	209	73	.05	.05	NUM
fsr-3615	209	74	lack	lack	NOUN
fsr-3615	209	75	of	of	ADP
fsr-3615	209	76	perceived	perceive	VERB
fsr-3615	209	77	fin	fin	NOUN
fsr-3615	209	78	control	control	NOUN
fsr-3615	209	79	rarely	rarely	ADV
fsr-3615	209	80	1.34	1.34	NUM
fsr-3615	209	81	*	*	NOUN
fsr-3615	209	82	*	*	PUNCT
fsr-3615	209	83	*	*	PUNCT
fsr-3615	209	84	.08	.08	NUM
fsr-3615	209	85	sometimes	sometimes	ADV
fsr-3615	209	86	1.60	1.60	NUM
fsr-3615	209	87	*	*	PUNCT
fsr-3615	209	88	*	*	PUNCT
fsr-3615	209	89	*	*	PUNCT
fsr-3615	209	90	.10	.10	NUM
fsr-3615	209	91	often	often	ADV
fsr-3615	209	92	1.75	1.75	NUM
fsr-3615	209	93	*	*	PUNCT
fsr-3615	209	94	*	*	PUNCT
fsr-3615	209	95	*	*	PUNCT
fsr-3615	209	96	.12	.12	NUM
fsr-3615	209	97	always	always	ADV
fsr-3615	209	98	1.91	1.91	NUM
fsr-3615	209	99	*	*	PUNCT
fsr-3615	209	100	*	*	PUNCT
fsr-3615	209	101	*	*	X
fsr-3615	209	102	.14	.14	NUM
fsr-3615	209	103	control	control	NOUN
fsr-3615	209	104	variables	variable	VERB
fsr-3615	209	105	age	age	NOUN
fsr-3615	209	106	group	group	NOUN
fsr-3615	209	107	25	25	NUM
fsr-3615	209	108	-	-	SYM
fsr-3615	209	109	34	34	NUM
fsr-3615	209	110	1.42	1.42	NUM
fsr-3615	209	111	*	*	PUNCT
fsr-3615	209	112	*	*	PUNCT
fsr-3615	209	113	*	*	PUNCT
fsr-3615	209	114	.10	.10	NUM
fsr-3615	209	115	35	35	NUM
fsr-3615	209	116	-	-	SYM
fsr-3615	209	117	44	44	NUM
fsr-3615	209	118	1.29	1.29	NUM
fsr-3615	209	119	*	*	PUNCT
fsr-3615	209	120	*	*	PUNCT
fsr-3615	209	121	.10	.10	NUM
fsr-3615	209	122	45	45	NUM
fsr-3615	209	123	-	-	SYM
fsr-3615	209	124	54	54	NUM
fsr-3615	209	125	1.17	1.17	NUM
fsr-3615	209	126	*	*	SYM
fsr-3615	209	127	.09	.09	NUM
fsr-3615	209	128	55	55	NUM
fsr-3615	209	129	-	-	SYM
fsr-3615	209	130	64	64	NUM
fsr-3615	209	131	1.10	1.10	NUM
fsr-3615	209	132	.09	.09	NUM
fsr-3615	209	133	65	65	NUM
fsr-3615	209	134	+	+	SYM
fsr-3615	209	135	1.05	1.05	NUM
fsr-3615	209	136	.09	.09	NUM
fsr-3615	209	137	gender	gender	NOUN
fsr-3615	209	138	female	female	NOUN
fsr-3615	209	139	1.08	1.08	NUM
fsr-3615	209	140	*	*	SYM
fsr-3615	209	141	.04	.04	NUM
fsr-3615	209	142	ethnicity	ethnicity	NOUN
fsr-3615	209	143	non	non	ADJ
fsr-3615	209	144	-	-	ADJ
fsr-3615	209	145	white	white	ADJ
fsr-3615	209	146	1.15	1.15	NUM
fsr-3615	209	147	*	*	PUNCT
fsr-3615	209	148	*	*	PUNCT
fsr-3615	209	149	*	*	SYM
fsr-3615	209	150	.05	.05	NUM
fsr-3615	209	151	family	family	NOUN
fsr-3615	209	152	status	status	NOUN
fsr-3615	209	153	live	live	VERB
fsr-3615	209	154	with	with	ADP
fsr-3615	209	155	partner	partner	NOUN
fsr-3615	209	156	/	/	SYM
fsr-3615	209	157	spouse	spouse	NOUN
fsr-3615	209	158	1.13	1.13	NUM
fsr-3615	209	159	*	*	NOUN
fsr-3615	209	160	*	*	PUNCT
fsr-3615	209	161	.04	.04	NUM
fsr-3615	209	162	employment	employment	NOUN
fsr-3615	209	163	self	self	NOUN
fsr-3615	209	164	-	-	PUNCT
fsr-3615	209	165	employed	employ	VERB
fsr-3615	209	166	.73	.73	NUM
fsr-3615	209	167	*	*	NOUN
fsr-3615	209	168	*	*	PUNCT
fsr-3615	209	169	*	*	SYM
fsr-3615	209	170	.05	.05	NUM
fsr-3615	209	171	work	work	NOUN
fsr-3615	209	172	part	part	NOUN
fsr-3615	209	173	-	-	PUNCT
fsr-3615	209	174	time	time	NOUN
fsr-3615	209	175	.84	.84	NUM
fsr-3615	209	176	*	*	PUNCT
fsr-3615	209	177	*	*	SYM
fsr-3615	209	178	.05	.05	NUM
fsr-3615	209	179	homemaker	homemaker	NOUN
fsr-3615	209	180	.76	.76	NUM
fsr-3615	209	181	*	*	PUNCT
fsr-3615	209	182	*	*	PUNCT
fsr-3615	209	183	*	*	PUNCT
fsr-3615	209	184	.05	.05	NUM
fsr-3615	209	185	full	full	ADJ
fsr-3615	209	186	-	-	PUNCT
fsr-3615	209	187	time	time	NOUN
fsr-3615	209	188	student	student	NOUN
fsr-3615	209	189	.76	.76	PROPN
fsr-3615	209	190	*	*	PROPN
fsr-3615	209	191	.10	.10	NUM
fsr-3615	209	192	permanently	permanently	ADV
fsr-3615	209	193	sick	sick	ADJ
fsr-3615	209	194	.96	.96	NUM
fsr-3615	209	195	.08	.08	NUM
fsr-3615	209	196	unemployed	unemployed	ADJ
fsr-3615	209	197	.72	.72	NUM
fsr-3615	209	198	*	*	PUNCT
fsr-3615	209	199	*	*	PUNCT
fsr-3615	209	200	*	*	SYM
fsr-3615	209	201	.05	.05	NUM
fsr-3615	209	202	retired	retired	ADJ
fsr-3615	209	203	.77	.77	NUM
fsr-3615	209	204	*	*	PUNCT
fsr-3615	209	205	*	*	PUNCT
fsr-3615	209	206	*	*	SYM
fsr-3615	209	207	.05	.05	NUM
fsr-3615	209	208	education	education	NOUN
fsr-3615	209	209	some	some	DET
fsr-3615	209	210	college	college	NOUN
fsr-3615	209	211	1.10	1.10	NUM
fsr-3615	209	212	*	*	SYM
fsr-3615	209	213	.05	.05	NUM
fsr-3615	209	214	ouyang	ouyang	X
fsr-3615	209	215	et	et	PROPN
fsr-3615	209	216	al	al	PROPN
fsr-3615	209	217	.	.	PROPN
fsr-3615	209	218	13	13	NUM
fsr-3615	209	219	associate	associate	NOUN
fsr-3615	209	220	's	's	PART
fsr-3615	209	221	degree	degree	NOUN
fsr-3615	209	222	1.15	1.15	NUM
fsr-3615	209	223	*	*	SYM
fsr-3615	209	224	.07	.07	NUM
fsr-3615	209	225	bachelor	bachelor	NOUN
fsr-3615	209	226	's	's	PART
fsr-3615	209	227	degree	degree	NOUN
fsr-3615	209	228	1.09	1.09	NUM
fsr-3615	209	229	.05	.05	NUM
fsr-3615	209	230	post	post	NOUN
fsr-3615	209	231	graduate	graduate	NOUN
fsr-3615	209	232	degree	degree	NOUN
fsr-3615	209	233	.96	.96	NUM
fsr-3615	209	234	.06	.06	NUM
fsr-3615	209	235	income	income	NOUN
fsr-3615	209	236	levels	level	NOUN
fsr-3615	209	237	$	$	SYM
fsr-3615	209	238	15,000	15,000	NUM
fsr-3615	209	239	to	to	PART
fsr-3615	209	240	$	$	SYM
fsr-3615	209	241	25,000	25,000	NUM
fsr-3615	209	242	1.25	1.25	NUM
fsr-3615	209	243	*	*	PUNCT
fsr-3615	209	244	*	*	NOUN
fsr-3615	209	245	.09	.09	NUM
fsr-3615	209	246	$	$	SYM
fsr-3615	209	247	25,000	25,000	NUM
fsr-3615	209	248	to	to	PART
fsr-3615	209	249	$	$	SYM
fsr-3615	209	250	35,000	35,000	NUM
fsr-3615	209	251	1.40	1.40	NUM
fsr-3615	209	252	*	*	PUNCT
fsr-3615	209	253	*	*	PUNCT
fsr-3615	209	254	*	*	PUNCT
fsr-3615	209	255	.10	.10	NUM
fsr-3615	209	256	$	$	SYM
fsr-3615	209	257	35,000	35,000	NUM
fsr-3615	209	258	to	to	PART
fsr-3615	209	259	$	$	SYM
fsr-3615	209	260	50,000	50,000	NUM
fsr-3615	209	261	1.34	1.34	NUM
fsr-3615	209	262	*	*	PUNCT
fsr-3615	209	263	*	*	PUNCT
fsr-3615	210	1	*	*	PUNCT
fsr-3615	210	2	.09	.09	NUM
fsr-3615	210	3	$	$	SYM
fsr-3615	210	4	50,000	50,000	NUM
fsr-3615	210	5	to	to	PART
fsr-3615	210	6	$	$	SYM
fsr-3615	210	7	75,000	75,000	NUM
fsr-3615	210	8	1.45	1.45	NUM
fsr-3615	210	9	*	*	PUNCT
fsr-3615	210	10	*	*	PUNCT
fsr-3615	210	11	*	*	SYM
fsr-3615	210	12	.11	.11	NUM
fsr-3615	210	13	$	$	SYM
fsr-3615	210	14	75,000	75,000	NUM
fsr-3615	210	15	to	to	PART
fsr-3615	210	16	$	$	SYM
fsr-3615	210	17	100,000	100,000	NUM
fsr-3615	210	18	1.42	1.42	NUM
fsr-3615	210	19	*	*	PUNCT
fsr-3615	210	20	*	*	PUNCT
fsr-3615	210	21	*	*	SYM
fsr-3615	210	22	.12	.12	NUM
fsr-3615	210	23	$	$	SYM
fsr-3615	210	24	100,000	100,000	NUM
fsr-3615	210	25	to	to	PART
fsr-3615	210	26	$	$	SYM
fsr-3615	210	27	150,000	150,000	NUM
fsr-3615	210	28	1.35	1.35	NUM
fsr-3615	210	29	*	*	PUNCT
fsr-3615	210	30	*	*	SYM
fsr-3615	210	31	.12	.12	NUM
fsr-3615	210	32	$	$	SYM
fsr-3615	210	33	150,000	150,000	NUM
fsr-3615	210	34	to	to	PART
fsr-3615	210	35	$	$	SYM
fsr-3615	210	36	200,000	200,000	NUM
fsr-3615	210	37	1.24	1.24	NUM
fsr-3615	210	38	.15	.15	NUM
fsr-3615	210	39	$	$	SYM
fsr-3615	210	40	200,000	200,000	NUM
fsr-3615	210	41	to	to	PART
fsr-3615	210	42	$	$	SYM
fsr-3615	210	43	300,000	300,000	NUM
fsr-3615	210	44	1.11	1.11	NUM
fsr-3615	210	45	.22	.22	NUM
fsr-3615	210	46	$	$	SYM
fsr-3615	210	47	300,000	300,000	NUM
fsr-3615	210	48	or	or	CCONJ
fsr-3615	210	49	more	more	ADJ
fsr-3615	210	50	1.24	1.24	NUM
fsr-3615	210	51	.32	.32	NUM
fsr-3615	210	52	laid	lay	VERB
fsr-3615	210	53	off	off	ADP
fsr-3615	210	54	during	during	ADP
fsr-3615	210	55	pandemic	pandemic	ADJ
fsr-3615	210	56	yes	yes	INTJ
fsr-3615	210	57	1.09	1.09	NUM
fsr-3615	210	58	0.05	0.05	NUM
fsr-3615	210	59	emergency	emergency	NOUN
fsr-3615	210	60	fund	fund	NOUN
fsr-3615	211	1	yes	yes	INTJ
fsr-3615	211	2	1.55	1.55	NUM
fsr-3615	211	3	*	*	PUNCT
fsr-3615	211	4	*	*	PUNCT
fsr-3615	211	5	*	*	PUNCT
fsr-3615	211	6	.07	.07	NUM
fsr-3615	211	7	homeownership	homeownership	NOUN
fsr-3615	212	1	yes	yes	INTJ
fsr-3615	212	2	1.67	1.67	NUM
fsr-3615	212	3	*	*	PUNCT
fsr-3615	212	4	*	*	PUNCT
fsr-3615	212	5	*	*	PUNCT
fsr-3615	212	6	.04	.04	NUM
fsr-3615	212	7	objective	objective	ADJ
fsr-3615	212	8	financial	financial	ADJ
fsr-3615	212	9	knowledge	knowledge	NOUN
fsr-3615	212	10	1.02	1.02	NUM
fsr-3615	212	11	*	*	SYM
fsr-3615	212	12	.01	.01	NUM
fsr-3615	212	13	subjective	subjective	ADJ
fsr-3615	212	14	financial	financial	ADJ
fsr-3615	212	15	knowledge	knowledge	NOUN
fsr-3615	212	16	1.03	1.03	NUM
fsr-3615	212	17	*	*	SYM
fsr-3615	212	18	.01	.01	NUM
fsr-3615	212	19	financial	financial	ADJ
fsr-3615	212	20	strain	strain	NOUN
fsr-3615	212	21	yes	yes	INTJ
fsr-3615	212	22	1.27	1.27	NUM
fsr-3615	212	23	*	*	PUNCT
fsr-3615	212	24	*	*	PUNCT
fsr-3615	212	25	*	*	PUNCT
fsr-3615	212	26	.05	.05	NUM
fsr-3615	212	27	subjective	subjective	ADJ
fsr-3615	212	28	credit	credit	NOUN
fsr-3615	212	29	record	record	NOUN
fsr-3615	212	30	bad	bad	ADJ
fsr-3615	212	31	1.30	1.30	NUM
fsr-3615	212	32	*	*	PUNCT
fsr-3615	212	33	*	*	PUNCT
fsr-3615	212	34	*	*	SYM
fsr-3615	212	35	.12	.12	NUM
fsr-3615	212	36	average	average	NOUN
fsr-3615	212	37	1.94	1.94	NUM
fsr-3615	212	38	*	*	PUNCT
fsr-3615	212	39	*	*	PUNCT
fsr-3615	212	40	*	*	PUNCT
fsr-3615	212	41	.17	.17	NUM
fsr-3615	212	42	good	good	ADJ
fsr-3615	212	43	2.40	2.40	NUM
fsr-3615	212	44	*	*	PUNCT
fsr-3615	212	45	*	*	PUNCT
fsr-3615	212	46	*	*	PUNCT
fsr-3615	212	47	.22	.22	NUM
fsr-3615	212	48	very	very	ADV
fsr-3615	212	49	good	good	ADJ
fsr-3615	212	50	1.79	1.79	NUM
fsr-3615	212	51	*	*	PUNCT
fsr-3615	212	52	*	*	PUNCT
fsr-3615	212	53	*	*	PUNCT
fsr-3615	212	54	.17	.17	NUM
fsr-3615	212	55	have	have	AUX
fsr-3615	212	56	money	money	NOUN
fsr-3615	212	57	left	leave	VERB
fsr-3615	212	58	rarely	rarely	ADV
fsr-3615	212	59	1.16	1.16	NUM
fsr-3615	212	60	*	*	SYM
fsr-3615	212	61	.07	.07	NUM
fsr-3615	212	62	sometimes	sometimes	ADV
fsr-3615	212	63	1.08	1.08	NUM
fsr-3615	212	64	.07	.07	NUM
fsr-3615	212	65	often	often	ADV
fsr-3615	212	66	.82	.82	NUM
fsr-3615	212	67	*	*	X
fsr-3615	212	68	*	*	PUNCT
fsr-3615	212	69	.06	.06	NUM
fsr-3615	212	70	always	always	ADV
fsr-3615	212	71	.63	.63	NUM
fsr-3615	212	72	*	*	PUNCT
fsr-3615	212	73	*	*	PUNCT
fsr-3615	212	74	*	*	SYM
fsr-3615	212	75	.05	.05	NUM
fsr-3615	212	76	n	n	NUM
fsr-3615	212	77	18,790	18,790	NUM
fsr-3615	212	78	note	note	NOUN
fsr-3615	212	79	.	.	PUNCT
fsr-3615	213	1	standard	standard	ADJ
fsr-3615	213	2	errors	error	NOUN
fsr-3615	213	3	in	in	ADP
fsr-3615	213	4	parentheses	parenthesis	NOUN
fsr-3615	213	5	,	,	PUNCT
fsr-3615	213	6	*	*	PUNCT
fsr-3615	213	7	p<.05	p<.05	NOUN
fsr-3615	213	8	*	*	PUNCT
fsr-3615	213	9	*	*	PUNCT
fsr-3615	213	10	p<.01	p<.01	NOUN
fsr-3615	213	11	*	*	PUNCT
fsr-3615	213	12	*	*	PUNCT
fsr-3615	213	13	*	*	PUNCT
fsr-3615	213	14	p<.001	p<.001	NOUN
fsr-3615	213	15	;	;	PUNCT
fsr-3615	213	16	financial	financial	ADJ
fsr-3615	213	17	strain	strain	NOUN
fsr-3615	213	18	includes	include	VERB
fsr-3615	213	19	unpaid	unpaid	ADJ
fsr-3615	213	20	medical	medical	ADJ
fsr-3615	213	21	bills	bill	NOUN
fsr-3615	213	22	,	,	PUNCT
fsr-3615	213	23	late	late	ADJ
fsr-3615	213	24	payments	payment	NOUN
fsr-3615	213	25	on	on	ADP
fsr-3615	213	26	student	student	NOUN
fsr-3615	213	27	loans	loan	NOUN
fsr-3615	213	28	,	,	PUNCT
fsr-3615	213	29	late	late	ADV
fsr-3615	213	30	on	on	ADP
fsr-3615	213	31	mortgage	mortgage	NOUN
fsr-3615	213	32	payments	payment	NOUN
fsr-3615	213	33	,	,	PUNCT
fsr-3615	213	34	and	and	CCONJ
fsr-3615	213	35	being	be	AUX
fsr-3615	213	36	late	late	ADV
fsr-3615	213	37	on	on	ADP
fsr-3615	213	38	credit	credit	NOUN
fsr-3615	213	39	card	card	NOUN
fsr-3615	213	40	payments	payment	NOUN
fsr-3615	213	41	;	;	PUNCT
fsr-3615	213	42	never	never	ADV
fsr-3615	213	43	perceived	perceive	VERB
fsr-3615	213	44	lack	lack	NOUN
fsr-3615	213	45	of	of	ADP
fsr-3615	213	46	financial	financial	ADJ
fsr-3615	213	47	control	control	NOUN
fsr-3615	213	48	,	,	PUNCT
fsr-3615	213	49	employed	employ	VERB
fsr-3615	213	50	,	,	PUNCT
fsr-3615	213	51	high	high	ADJ
fsr-3615	213	52	school	school	NOUN
fsr-3615	213	53	,	,	PUNCT
fsr-3615	213	54	age	age	NOUN
fsr-3615	213	55	group	group	NOUN
fsr-3615	213	56	of	of	ADP
fsr-3615	213	57	younger	young	ADJ
fsr-3615	213	58	than	than	ADP
fsr-3615	213	59	25	25	NUM
fsr-3615	213	60	years	year	NOUN
fsr-3615	213	61	,	,	PUNCT
fsr-3615	213	62	annual	annual	ADJ
fsr-3615	213	63	income	income	NOUN
fsr-3615	213	64	less	less	ADJ
fsr-3615	213	65	than	than	ADP
fsr-3615	213	66	$	$	SYM
fsr-3615	213	67	150k	150k	NUM
fsr-3615	213	68	,	,	PUNCT
fsr-3615	213	69	no	no	DET
fsr-3615	213	70	subjective	subjective	ADJ
fsr-3615	213	71	/	/	SYM
fsr-3615	213	72	objective	objective	ADJ
fsr-3615	213	73	financial	financial	ADJ
fsr-3615	213	74	knowledge	knowledge	NOUN
fsr-3615	213	75	,	,	PUNCT
fsr-3615	213	76	very	very	ADV
fsr-3615	213	77	bad	bad	ADJ
fsr-3615	213	78	credit	credit	NOUN
fsr-3615	213	79	record	record	NOUN
fsr-3615	213	80	,	,	PUNCT
fsr-3615	213	81	no	no	DET
fsr-3615	213	82	money	money	NOUN
fsr-3615	213	83	left	leave	VERB
fsr-3615	213	84	are	be	AUX
fsr-3615	213	85	the	the	DET
fsr-3615	213	86	omitted	omit	VERB
fsr-3615	213	87	categories	category	NOUN
fsr-3615	213	88	.	.	PUNCT
fsr-3615	214	1	mediation	mediation	NOUN
fsr-3615	214	2	results	result	NOUN
fsr-3615	214	3	for	for	ADP
fsr-3615	214	4	the	the	DET
fsr-3615	214	5	full	full	ADJ
fsr-3615	214	6	sample	sample	NOUN
fsr-3615	214	7	table	table	NOUN
fsr-3615	214	8	4	4	NUM
fsr-3615	214	9	presents	present	VERB
fsr-3615	214	10	the	the	DET
fsr-3615	214	11	mediation	mediation	NOUN
fsr-3615	214	12	results	result	NOUN
fsr-3615	214	13	for	for	ADP
fsr-3615	214	14	the	the	DET
fsr-3615	214	15	full	full	ADJ
fsr-3615	214	16	sample	sample	NOUN
fsr-3615	214	17	.	.	PUNCT
fsr-3615	215	1	the	the	DET
fsr-3615	215	2	total	total	ADJ
fsr-3615	215	3	effect	effect	NOUN
fsr-3615	215	4	indicates	indicate	VERB
fsr-3615	215	5	that	that	SCONJ
fsr-3615	215	6	for	for	ADP
fsr-3615	215	7	households	household	NOUN
fsr-3615	215	8	who	who	PRON
fsr-3615	215	9	received	receive	VERB
fsr-3615	215	10	stimulus	stimulus	ADJ
fsr-3615	215	11	checks	check	NOUN
fsr-3615	215	12	,	,	PUNCT
fsr-3615	215	13	the	the	DET
fsr-3615	215	14	probability	probability	NOUN
fsr-3615	215	15	of	of	ADP
fsr-3615	215	16	using	use	VERB
fsr-3615	215	17	the	the	DET
fsr-3615	215	18	stimulus	stimulus	ADJ
fsr-3615	215	19	checks	check	NOUN
fsr-3615	215	20	for	for	ADP
fsr-3615	215	21	debt	debt	NOUN
fsr-3615	215	22	payments	payment	NOUN
fsr-3615	215	23	increased	increase	VERB
fsr-3615	215	24	by	by	ADP
fsr-3615	215	25	0.05	0.05	NUM
fsr-3615	215	26	points	point	NOUN
fsr-3615	215	27	on	on	ADP
fsr-3615	215	28	the	the	DET
fsr-3615	215	29	probability	probability	NOUN
fsr-3615	215	30	scale	scale	NOUN
fsr-3615	215	31	compared	compare	VERB
fsr-3615	215	32	to	to	ADP
fsr-3615	215	33	households	household	NOUN
fsr-3615	215	34	that	that	PRON
fsr-3615	215	35	did	do	AUX
fsr-3615	215	36	not	not	PART
fsr-3615	215	37	report	report	VERB
fsr-3615	215	38	an	an	DET
fsr-3615	215	39	income	income	NOUN
fsr-3615	215	40	drop	drop	NOUN
fsr-3615	215	41	.	.	PUNCT
fsr-3615	216	1	the	the	DET
fsr-3615	216	2	indirect	indirect	ADJ
fsr-3615	216	3	effect	effect	NOUN
fsr-3615	216	4	indicates	indicate	VERB
fsr-3615	216	5	the	the	DET
fsr-3615	216	6	indirect	indirect	ADJ
fsr-3615	216	7	association	association	NOUN
fsr-3615	216	8	between	between	ADP
fsr-3615	216	9	households	household	NOUN
fsr-3615	216	10	’	'	PUNCT
fsr-3615	216	11	income	income	NOUN
fsr-3615	216	12	drop	drop	VERB
fsr-3615	216	13	financial	financial	ADJ
fsr-3615	216	14	services	service	NOUN
fsr-3615	216	15	review	review	PROPN
fsr-3615	216	16	,	,	PUNCT
fsr-3615	216	17	33(1	33(1	NUM
fsr-3615	216	18	)	)	PUNCT
fsr-3615	216	19	14	14	NUM
fsr-3615	216	20	and	and	CCONJ
fsr-3615	216	21	utilization	utilization	NOUN
fsr-3615	216	22	of	of	ADP
fsr-3615	216	23	stimulus	stimulus	ADJ
fsr-3615	216	24	checks	check	NOUN
fsr-3615	216	25	to	to	PART
fsr-3615	216	26	pay	pay	VERB
fsr-3615	216	27	down	down	ADP
fsr-3615	216	28	debt	debt	NOUN
fsr-3615	216	29	when	when	SCONJ
fsr-3615	216	30	mediated	mediate	VERB
fsr-3615	216	31	by	by	ADP
fsr-3615	216	32	lack	lack	NOUN
fsr-3615	216	33	of	of	ADP
fsr-3615	216	34	financial	financial	ADJ
fsr-3615	216	35	control	control	NOUN
fsr-3615	216	36	.	.	PUNCT
fsr-3615	217	1	the	the	DET
fsr-3615	217	2	direct	direct	ADJ
fsr-3615	217	3	effect	effect	NOUN
fsr-3615	217	4	captures	capture	VERB
fsr-3615	217	5	the	the	DET
fsr-3615	217	6	direct	direct	ADJ
fsr-3615	217	7	association	association	NOUN
fsr-3615	217	8	between	between	ADP
fsr-3615	217	9	households	household	NOUN
fsr-3615	217	10	’	'	PUNCT
fsr-3615	217	11	income	income	NOUN
fsr-3615	217	12	drop	drop	NOUN
fsr-3615	217	13	and	and	CCONJ
fsr-3615	217	14	the	the	DET
fsr-3615	217	15	likelihood	likelihood	NOUN
fsr-3615	217	16	of	of	ADP
fsr-3615	217	17	using	use	VERB
fsr-3615	217	18	stimulus	stimulus	ADJ
fsr-3615	217	19	checks	check	NOUN
fsr-3615	217	20	to	to	PART
fsr-3615	217	21	pay	pay	VERB
fsr-3615	217	22	down	down	ADP
fsr-3615	217	23	debt	debt	NOUN
fsr-3615	217	24	when	when	SCONJ
fsr-3615	217	25	controlling	control	VERB
fsr-3615	217	26	for	for	ADP
fsr-3615	217	27	other	other	ADJ
fsr-3615	217	28	factors	factor	NOUN
fsr-3615	217	29	.	.	PUNCT
fsr-3615	218	1	the	the	DET
fsr-3615	218	2	results	result	NOUN
fsr-3615	218	3	from	from	ADP
fsr-3615	218	4	the	the	DET
fsr-3615	218	5	full	full	ADJ
fsr-3615	218	6	mediation	mediation	NOUN
fsr-3615	218	7	model	model	NOUN
fsr-3615	218	8	,	,	PUNCT
fsr-3615	218	9	as	as	SCONJ
fsr-3615	218	10	shown	show	VERB
fsr-3615	218	11	in	in	ADP
fsr-3615	218	12	table	table	NOUN
fsr-3615	218	13	4	4	NUM
fsr-3615	218	14	,	,	PUNCT
fsr-3615	218	15	indicate	indicate	VERB
fsr-3615	218	16	that	that	SCONJ
fsr-3615	218	17	income	income	NOUN
fsr-3615	218	18	drop	drop	NOUN
fsr-3615	218	19	had	have	VERB
fsr-3615	218	20	a	a	DET
fsr-3615	218	21	total	total	NOUN
fsr-3615	218	22	(	(	PUNCT
fsr-3615	218	23	coef	coef	X
fsr-3615	218	24	=	=	NOUN
fsr-3615	218	25	0.05	0.05	NUM
fsr-3615	218	26	*	*	PUNCT
fsr-3615	218	27	*	*	PUNCT
fsr-3615	218	28	*	*	PUNCT
fsr-3615	218	29	;	;	PUNCT
fsr-3615	218	30	odds	odd	NOUN
fsr-3615	218	31	=	=	SYM
fsr-3615	218	32	1.24	1.24	NUM
fsr-3615	218	33	)	)	PUNCT
fsr-3615	218	34	,	,	PUNCT
fsr-3615	218	35	direct	direct	ADJ
fsr-3615	218	36	(	(	PUNCT
fsr-3615	218	37	coef	coef	NOUN
fsr-3615	218	38	=	=	NOUN
fsr-3615	218	39	0.04	0.04	NUM
fsr-3615	218	40	*	*	PUNCT
fsr-3615	218	41	*	*	PUNCT
fsr-3615	218	42	*	*	PUNCT
fsr-3615	218	43	;	;	PUNCT
fsr-3615	218	44	odds	odd	NOUN
fsr-3615	218	45	=	=	SYM
fsr-3615	218	46	1.18	1.18	NUM
fsr-3615	218	47	)	)	PUNCT
fsr-3615	218	48	,	,	PUNCT
fsr-3615	218	49	and	and	CCONJ
fsr-3615	218	50	indirect	indirect	ADJ
fsr-3615	218	51	association	association	NOUN
fsr-3615	218	52	(	(	PUNCT
fsr-3615	218	53	coef	coef	X
fsr-3615	218	54	=	=	NOUN
fsr-3615	218	55	0.01	0.01	NUM
fsr-3615	218	56	*	*	PUNCT
fsr-3615	218	57	*	*	PUNCT
fsr-3615	218	58	*	*	PUNCT
fsr-3615	218	59	;	;	PUNCT
fsr-3615	218	60	odds	odd	NOUN
fsr-3615	218	61	=	=	SYM
fsr-3615	218	62	1.06	1.06	NUM
fsr-3615	218	63	)	)	PUNCT
fsr-3615	218	64	through	through	ADP
fsr-3615	218	65	lack	lack	NOUN
fsr-3615	218	66	of	of	ADP
fsr-3615	218	67	financial	financial	ADJ
fsr-3615	218	68	control	control	NOUN
fsr-3615	218	69	,	,	PUNCT
fsr-3615	218	70	on	on	ADP
fsr-3615	218	71	the	the	DET
fsr-3615	218	72	utilization	utilization	NOUN
fsr-3615	218	73	of	of	ADP
fsr-3615	218	74	stimulus	stimulus	ADJ
fsr-3615	218	75	checks	check	NOUN
fsr-3615	218	76	for	for	ADP
fsr-3615	218	77	paying	pay	VERB
fsr-3615	218	78	down	down	ADP
fsr-3615	218	79	debt	debt	NOUN
fsr-3615	218	80	.	.	PUNCT
fsr-3615	219	1	table	table	NOUN
fsr-3615	219	2	4	4	NUM
fsr-3615	219	3	.	.	PUNCT
fsr-3615	219	4	full	full	ADJ
fsr-3615	219	5	mediation	mediation	NOUN
fsr-3615	219	6	model	model	NOUN
fsr-3615	219	7	results	result	VERB
fsr-3615	219	8	mediator	mediator	NOUN
fsr-3615	219	9	:	:	PUNCT
fsr-3615	219	10	perceived	perceive	VERB
fsr-3615	219	11	lack	lack	NOUN
fsr-3615	219	12	of	of	ADP
fsr-3615	219	13	financial	financial	ADJ
fsr-3615	219	14	control	control	NOUN
fsr-3615	219	15	treatment	treatment	NOUN
fsr-3615	219	16	te	te	PROPN
fsr-3615	219	17	de	de	X
fsr-3615	219	18	ie	ie	X
fsr-3615	219	19	income	income	NOUN
fsr-3615	219	20	drop	drop	VERB
fsr-3615	219	21	0.05	0.05	NUM
fsr-3615	219	22	*	*	PUNCT
fsr-3615	219	23	*	*	PUNCT
fsr-3615	219	24	*	*	NOUN
fsr-3615	219	25	odds	odd	NOUN
fsr-3615	219	26	=	=	PUNCT
fsr-3615	219	27	1.24	1.24	NUM
fsr-3615	219	28	0.04	0.04	NUM
fsr-3615	219	29	*	*	PUNCT
fsr-3615	219	30	*	*	PUNCT
fsr-3615	219	31	*	*	NOUN
fsr-3615	219	32	odds	odd	NOUN
fsr-3615	219	33	=	=	PUNCT
fsr-3615	219	34	1.18	1.18	NUM
fsr-3615	219	35	0.01	0.01	NUM
fsr-3615	219	36	*	*	PUNCT
fsr-3615	219	37	*	*	NOUN
fsr-3615	219	38	odds	odd	NOUN
fsr-3615	219	39	=	=	SYM
fsr-3615	219	40	1.06	1.06	NUM
fsr-3615	219	41	note	note	NOUN
fsr-3615	219	42	:	:	PUNCT
fsr-3615	219	43	outcome	outcome	NOUN
fsr-3615	219	44	equation	equation	NOUN
fsr-3615	219	45	includes	include	VERB
fsr-3615	219	46	treatment	treatment	NOUN
fsr-3615	219	47	and	and	CCONJ
fsr-3615	219	48	mediator	mediator	NOUN
fsr-3615	219	49	interaction	interaction	NOUN
fsr-3615	219	50	.	.	PUNCT
fsr-3615	220	1	coefficients	coefficient	NOUN
fsr-3615	220	2	in	in	ADP
fsr-3615	220	3	parentheses	parenthesis	NOUN
fsr-3615	220	4	,	,	PUNCT
fsr-3615	220	5	*	*	PUNCT
fsr-3615	220	6	p<.05	p<.05	NOUN
fsr-3615	220	7	*	*	PUNCT
fsr-3615	220	8	*	*	PUNCT
fsr-3615	220	9	p<.01	p<.01	NOUN
fsr-3615	220	10	*	*	PUNCT
fsr-3615	220	11	*	*	PUNCT
fsr-3615	220	12	*	*	PUNCT
fsr-3615	220	13	p<.001	p<.001	NOUN
fsr-3615	220	14	;	;	PUNCT
fsr-3615	220	15	n	n	PROPN
fsr-3615	220	16	=	=	NUM
fsr-3615	220	17	18,790	18,790	NUM
fsr-3615	220	18	.	.	PUNCT
fsr-3615	221	1	table	table	NOUN
fsr-3615	221	2	5	5	NUM
fsr-3615	221	3	presents	present	VERB
fsr-3615	221	4	the	the	DET
fsr-3615	221	5	mediation	mediation	NOUN
fsr-3615	221	6	results	result	NOUN
fsr-3615	221	7	for	for	ADP
fsr-3615	221	8	the	the	DET
fsr-3615	221	9	partial	partial	ADJ
fsr-3615	221	10	model	model	NOUN
fsr-3615	221	11	,	,	PUNCT
fsr-3615	221	12	where	where	SCONJ
fsr-3615	221	13	we	we	PRON
fsr-3615	221	14	focused	focus	VERB
fsr-3615	221	15	on	on	ADP
fsr-3615	221	16	the	the	DET
fsr-3615	221	17	mediation	mediation	NOUN
fsr-3615	221	18	effects	effect	NOUN
fsr-3615	221	19	among	among	ADP
fsr-3615	221	20	respondents	respondent	NOUN
fsr-3615	221	21	’	'	PUNCT
fsr-3615	221	22	reported	report	VERB
fsr-3615	221	23	income	income	NOUN
fsr-3615	221	24	drop	drop	NOUN
fsr-3615	221	25	—	—	PUNCT
fsr-3615	221	26	perceived	perceive	VERB
fsr-3615	221	27	lack	lack	NOUN
fsr-3615	221	28	of	of	ADP
fsr-3615	221	29	financial	financial	ADJ
fsr-3615	221	30	control	control	NOUN
fsr-3615	221	31	—	—	PUNCT
fsr-3615	221	32	utilized	utilize	VERB
fsr-3615	221	33	stimulus	stimulus	NOUN
fsr-3615	221	34	checks	check	NOUN
fsr-3615	221	35	for	for	ADP
fsr-3615	221	36	debt	debt	NOUN
fsr-3615	221	37	payments	payment	NOUN
fsr-3615	221	38	(	(	PUNCT
fsr-3615	221	39	figure	figure	NOUN
fsr-3615	221	40	1	1	NUM
fsr-3615	221	41	)	)	PUNCT
fsr-3615	221	42	.	.	PUNCT
fsr-3615	222	1	the	the	DET
fsr-3615	222	2	results	result	NOUN
fsr-3615	222	3	indicate	indicate	VERB
fsr-3615	222	4	that	that	SCONJ
fsr-3615	222	5	income	income	NOUN
fsr-3615	222	6	drop	drop	NOUN
fsr-3615	222	7	had	have	VERB
fsr-3615	222	8	a	a	DET
fsr-3615	222	9	total	total	NOUN
fsr-3615	222	10	(	(	PUNCT
fsr-3615	222	11	coef	coef	X
fsr-3615	222	12	=	=	PUNCT
fsr-3615	223	1	0.11	0.11	NUM
fsr-3615	223	2	*	*	PUNCT
fsr-3615	223	3	*	*	PUNCT
fsr-3615	223	4	*	*	PUNCT
fsr-3615	223	5	;	;	PUNCT
fsr-3615	223	6	odds	odd	NOUN
fsr-3615	223	7	=	=	SYM
fsr-3615	223	8	1.59	1.59	NUM
fsr-3615	223	9	)	)	PUNCT
fsr-3615	223	10	,	,	PUNCT
fsr-3615	223	11	direct	direct	ADJ
fsr-3615	223	12	(	(	PUNCT
fsr-3615	223	13	coef	coef	X
fsr-3615	223	14	=	=	NOUN
fsr-3615	223	15	0.08	0.08	NUM
fsr-3615	223	16	*	*	PUNCT
fsr-3615	223	17	*	*	PUNCT
fsr-3615	223	18	*	*	NOUN
fsr-3615	223	19	;	;	PUNCT
fsr-3615	223	20	odds	odd	NOUN
fsr-3615	223	21	=	=	SYM
fsr-3615	223	22	1.41	1.41	NUM
fsr-3615	223	23	)	)	PUNCT
fsr-3615	223	24	,	,	PUNCT
fsr-3615	223	25	and	and	CCONJ
fsr-3615	223	26	indirect	indirect	ADJ
fsr-3615	223	27	association	association	NOUN
fsr-3615	223	28	(	(	PUNCT
fsr-3615	223	29	coef	coef	X
fsr-3615	223	30	=	=	NOUN
fsr-3615	223	31	0.03	0.03	NUM
fsr-3615	223	32	*	*	PUNCT
fsr-3615	223	33	*	*	PUNCT
fsr-3615	223	34	*	*	PUNCT
fsr-3615	223	35	;	;	PUNCT
fsr-3615	223	36	odds	odd	NOUN
fsr-3615	223	37	=	=	SYM
fsr-3615	223	38	1.13	1.13	NUM
fsr-3615	223	39	)	)	PUNCT
fsr-3615	223	40	through	through	ADP
fsr-3615	223	41	lack	lack	NOUN
fsr-3615	223	42	of	of	ADP
fsr-3615	223	43	financial	financial	ADJ
fsr-3615	223	44	control	control	NOUN
fsr-3615	223	45	,	,	PUNCT
fsr-3615	223	46	on	on	ADP
fsr-3615	223	47	the	the	DET
fsr-3615	223	48	utilization	utilization	NOUN
fsr-3615	223	49	of	of	ADP
fsr-3615	223	50	stimulus	stimulus	ADJ
fsr-3615	223	51	checks	check	NOUN
fsr-3615	223	52	for	for	ADP
fsr-3615	223	53	paying	pay	VERB
fsr-3615	223	54	down	down	ADP
fsr-3615	223	55	debt	debt	NOUN
fsr-3615	223	56	.	.	PUNCT
fsr-3615	224	1	therefore	therefore	ADV
fsr-3615	224	2	,	,	PUNCT
fsr-3615	224	3	based	base	VERB
fsr-3615	224	4	on	on	ADP
fsr-3615	224	5	the	the	DET
fsr-3615	224	6	partial	partial	ADJ
fsr-3615	224	7	model	model	NOUN
fsr-3615	224	8	,	,	PUNCT
fsr-3615	224	9	the	the	DET
fsr-3615	224	10	probability	probability	NOUN
fsr-3615	224	11	of	of	ADP
fsr-3615	224	12	using	use	VERB
fsr-3615	224	13	the	the	DET
fsr-3615	224	14	stimulus	stimulus	ADJ
fsr-3615	224	15	checks	check	NOUN
fsr-3615	224	16	for	for	ADP
fsr-3615	224	17	debt	debt	NOUN
fsr-3615	224	18	payments	payment	NOUN
fsr-3615	224	19	increased	increase	VERB
fsr-3615	224	20	by	by	ADP
fsr-3615	224	21	10	10	NUM
fsr-3615	224	22	%	%	NOUN
fsr-3615	224	23	on	on	ADP
fsr-3615	224	24	the	the	DET
fsr-3615	224	25	probability	probability	NOUN
fsr-3615	224	26	scale	scale	NOUN
fsr-3615	224	27	compared	compare	VERB
fsr-3615	224	28	to	to	ADP
fsr-3615	224	29	households	household	NOUN
fsr-3615	224	30	that	that	PRON
fsr-3615	224	31	did	do	AUX
fsr-3615	224	32	not	not	PART
fsr-3615	224	33	report	report	VERB
fsr-3615	224	34	an	an	DET
fsr-3615	224	35	income	income	NOUN
fsr-3615	224	36	drop	drop	NOUN
fsr-3615	224	37	.	.	PUNCT
fsr-3615	225	1	table	table	NOUN
fsr-3615	225	2	5	5	NUM
fsr-3615	225	3	.	.	PUNCT
fsr-3615	225	4	partial	partial	ADJ
fsr-3615	225	5	mediation	mediation	NOUN
fsr-3615	225	6	model	model	NOUN
fsr-3615	225	7	results	result	VERB
fsr-3615	225	8	mediator	mediator	NOUN
fsr-3615	225	9	:	:	PUNCT
fsr-3615	225	10	perceived	perceive	VERB
fsr-3615	225	11	lack	lack	NOUN
fsr-3615	225	12	of	of	ADP
fsr-3615	225	13	financial	financial	ADJ
fsr-3615	225	14	control	control	NOUN
fsr-3615	225	15	treatment	treatment	NOUN
fsr-3615	225	16	te	te	PROPN
fsr-3615	225	17	de	de	X
fsr-3615	225	18	ie	ie	X
fsr-3615	225	19	income	income	NOUN
fsr-3615	225	20	drop	drop	VERB
fsr-3615	225	21	0.11	0.11	NUM
fsr-3615	225	22	*	*	PUNCT
fsr-3615	225	23	*	*	PUNCT
fsr-3615	225	24	*	*	NOUN
fsr-3615	225	25	odds	odd	NOUN
fsr-3615	225	26	=	=	PUNCT
fsr-3615	225	27	1.59	1.59	NUM
fsr-3615	225	28	0.08	0.08	NUM
fsr-3615	225	29	*	*	PUNCT
fsr-3615	225	30	*	*	PUNCT
fsr-3615	225	31	*	*	NOUN
fsr-3615	225	32	odds	odd	NOUN
fsr-3615	225	33	=	=	PUNCT
fsr-3615	225	34	1.41	1.41	NUM
fsr-3615	225	35	0.03	0.03	NUM
fsr-3615	225	36	*	*	PUNCT
fsr-3615	225	37	*	*	NOUN
fsr-3615	225	38	odds	odd	NOUN
fsr-3615	225	39	=	=	SYM
fsr-3615	225	40	1.13	1.13	NUM
fsr-3615	225	41	note	note	NOUN
fsr-3615	225	42	:	:	PUNCT
fsr-3615	225	43	outcome	outcome	NOUN
fsr-3615	225	44	equation	equation	NOUN
fsr-3615	225	45	includes	include	VERB
fsr-3615	225	46	treatment	treatment	NOUN
fsr-3615	225	47	mediator	mediator	NOUN
fsr-3615	225	48	interaction	interaction	NOUN
fsr-3615	225	49	;	;	PUNCT
fsr-3615	225	50	coefficients	coefficient	NOUN
fsr-3615	225	51	in	in	ADP
fsr-3615	225	52	parentheses	parenthesis	NOUN
fsr-3615	225	53	,	,	PUNCT
fsr-3615	225	54	*	*	PUNCT
fsr-3615	225	55	p<.05	p<.05	NOUN
fsr-3615	225	56	*	*	PUNCT
fsr-3615	225	57	*	*	PUNCT
fsr-3615	225	58	p<.01	p<.01	NOUN
fsr-3615	225	59	*	*	PUNCT
fsr-3615	225	60	*	*	PUNCT
fsr-3615	225	61	*	*	PUNCT
fsr-3615	225	62	p<.001	p<.001	NOUN
fsr-3615	225	63	;	;	PUNCT
fsr-3615	225	64	n	n	PROPN
fsr-3615	225	65	=	=	NUM
fsr-3615	225	66	18,790	18,790	NUM
fsr-3615	225	67	;	;	PUNCT
fsr-3615	225	68	multicollinearity	multicollinearity	NOUN
fsr-3615	225	69	analysis	analysis	NOUN
fsr-3615	225	70	was	be	AUX
fsr-3615	225	71	also	also	ADV
fsr-3615	225	72	done	do	VERB
fsr-3615	225	73	for	for	ADP
fsr-3615	225	74	the	the	DET
fsr-3615	225	75	study	study	NOUN
fsr-3615	225	76	.	.	PUNCT
fsr-3615	226	1	the	the	DET
fsr-3615	226	2	variable	variable	ADJ
fsr-3615	226	3	inflation	inflation	NOUN
fsr-3615	226	4	factors	factor	NOUN
fsr-3615	226	5	(	(	PUNCT
fsr-3615	226	6	vif	vif	NOUN
fsr-3615	226	7	)	)	PUNCT
fsr-3615	226	8	for	for	ADP
fsr-3615	226	9	the	the	DET
fsr-3615	226	10	variables	variable	NOUN
fsr-3615	226	11	are	be	AUX
fsr-3615	226	12	reported	report	VERB
fsr-3615	226	13	in	in	ADP
fsr-3615	226	14	appendix	appendix	ADJ
fsr-3615	226	15	c.	c.	PROPN
fsr-3615	227	1	no	no	PRON
fsr-3615	227	2	multi	multi	NOUN
fsr-3615	227	3	-	-	ADJ
fsr-3615	227	4	collinearity	collinearity	NOUN
fsr-3615	227	5	was	be	AUX
fsr-3615	227	6	found	find	VERB
fsr-3615	227	7	in	in	ADP
fsr-3615	227	8	the	the	DET
fsr-3615	227	9	analyses	analysis	NOUN
fsr-3615	227	10	of	of	ADP
fsr-3615	227	11	this	this	DET
fsr-3615	227	12	study	study	NOUN
fsr-3615	227	13	.	.	PUNCT
fsr-3615	228	1	discussion	discussion	NOUN
fsr-3615	228	2	this	this	DET
fsr-3615	228	3	study	study	NOUN
fsr-3615	228	4	examined	examine	VERB
fsr-3615	228	5	how	how	SCONJ
fsr-3615	228	6	a	a	DET
fsr-3615	228	7	perceived	perceive	VERB
fsr-3615	228	8	lack	lack	NOUN
fsr-3615	228	9	of	of	ADP
fsr-3615	228	10	financial	financial	ADJ
fsr-3615	228	11	control	control	NOUN
fsr-3615	228	12	influences	influence	VERB
fsr-3615	228	13	the	the	DET
fsr-3615	228	14	relationship	relationship	NOUN
fsr-3615	228	15	between	between	ADP
fsr-3615	228	16	unexpected	unexpected	ADJ
fsr-3615	228	17	negative	negative	ADJ
fsr-3615	228	18	income	income	NOUN
fsr-3615	228	19	shocks	shock	NOUN
fsr-3615	228	20	and	and	CCONJ
fsr-3615	228	21	the	the	DET
fsr-3615	228	22	use	use	NOUN
fsr-3615	228	23	of	of	ADP
fsr-3615	228	24	stimulus	stimulus	ADJ
fsr-3615	228	25	checks	check	NOUN
fsr-3615	228	26	for	for	ADP
fsr-3615	228	27	debt	debt	NOUN
fsr-3615	228	28	payments	payment	NOUN
fsr-3615	228	29	during	during	ADP
fsr-3615	228	30	the	the	DET
fsr-3615	228	31	covid-19	covid-19	PROPN
fsr-3615	228	32	pandemic	pandemic	NOUN
fsr-3615	228	33	.	.	PUNCT
fsr-3615	229	1	the	the	DET
fsr-3615	229	2	findings	finding	NOUN
fsr-3615	229	3	revealed	reveal	VERB
fsr-3615	229	4	a	a	DET
fsr-3615	229	5	significant	significant	ADJ
fsr-3615	229	6	association	association	NOUN
fsr-3615	229	7	between	between	ADP
fsr-3615	229	8	reported	report	VERB
fsr-3615	229	9	income	income	NOUN
fsr-3615	229	10	drop	drop	NOUN
fsr-3615	229	11	and	and	CCONJ
fsr-3615	229	12	the	the	DET
fsr-3615	229	13	use	use	NOUN
fsr-3615	229	14	of	of	ADP
fsr-3615	229	15	stimulus	stimulus	ADJ
fsr-3615	229	16	checks	check	NOUN
fsr-3615	229	17	for	for	ADP
fsr-3615	229	18	debt	debt	NOUN
fsr-3615	229	19	payments	payment	NOUN
fsr-3615	229	20	,	,	PUNCT
fsr-3615	229	21	supporting	support	VERB
fsr-3615	229	22	the	the	DET
fsr-3615	229	23	study	study	NOUN
fsr-3615	229	24	’s	’s	PART
fsr-3615	229	25	proposed	propose	VERB
fsr-3615	229	26	mediation	mediation	NOUN
fsr-3615	229	27	model	model	NOUN
fsr-3615	229	28	.	.	PUNCT
fsr-3615	230	1	regardless	regardless	ADV
fsr-3615	230	2	of	of	ADP
fsr-3615	230	3	other	other	ADJ
fsr-3615	230	4	factors	factor	NOUN
fsr-3615	230	5	,	,	PUNCT
fsr-3615	230	6	a	a	DET
fsr-3615	230	7	household	household	NOUN
fsr-3615	230	8	's	's	PART
fsr-3615	230	9	perceived	perceive	VERB
fsr-3615	230	10	lack	lack	NOUN
fsr-3615	230	11	of	of	ADP
fsr-3615	230	12	financial	financial	ADJ
fsr-3615	230	13	control	control	NOUN
fsr-3615	230	14	was	be	AUX
fsr-3615	230	15	a	a	DET
fsr-3615	230	16	strong	strong	ADJ
fsr-3615	230	17	predictor	predictor	NOUN
fsr-3615	230	18	of	of	ADP
fsr-3615	230	19	using	use	VERB
fsr-3615	230	20	stimulus	stimulus	ADJ
fsr-3615	230	21	checks	check	NOUN
fsr-3615	230	22	for	for	ADP
fsr-3615	230	23	debt	debt	NOUN
fsr-3615	230	24	payments	payment	NOUN
fsr-3615	230	25	.	.	PUNCT
fsr-3615	231	1	the	the	PRON
fsr-3615	231	2	greater	great	ADJ
fsr-3615	231	3	the	the	DET
fsr-3615	231	4	perceived	perceive	VERB
fsr-3615	231	5	lack	lack	NOUN
fsr-3615	231	6	of	of	ADP
fsr-3615	231	7	control	control	NOUN
fsr-3615	231	8	,	,	PUNCT
fsr-3615	231	9	the	the	DET
fsr-3615	231	10	more	more	ADV
fsr-3615	231	11	likely	likely	ADJ
fsr-3615	231	12	households	household	NOUN
fsr-3615	231	13	were	be	AUX
fsr-3615	231	14	to	to	PART
fsr-3615	231	15	allocate	allocate	VERB
fsr-3615	231	16	stimulus	stimulus	ADJ
fsr-3615	231	17	checks	check	NOUN
fsr-3615	231	18	towards	towards	ADP
fsr-3615	231	19	debts	debt	NOUN
fsr-3615	231	20	.	.	PUNCT
fsr-3615	232	1	this	this	PRON
fsr-3615	232	2	suggests	suggest	VERB
fsr-3615	232	3	that	that	SCONJ
fsr-3615	232	4	policy	policy	NOUN
fsr-3615	232	5	measures	measure	NOUN
fsr-3615	232	6	aimed	aim	VERB
fsr-3615	232	7	at	at	ADP
fsr-3615	232	8	increasing	increase	VERB
fsr-3615	232	9	financial	financial	ADJ
fsr-3615	232	10	stability	stability	NOUN
fsr-3615	232	11	should	should	AUX
fsr-3615	232	12	not	not	PART
fsr-3615	232	13	only	only	ADV
fsr-3615	232	14	provide	provide	VERB
fsr-3615	232	15	temporary	temporary	ADJ
fsr-3615	232	16	financial	financial	ADJ
fsr-3615	232	17	assistance	assistance	NOUN
fsr-3615	232	18	but	but	CCONJ
fsr-3615	232	19	also	also	ADV
fsr-3615	232	20	support	support	VERB
fsr-3615	232	21	efforts	effort	NOUN
fsr-3615	232	22	to	to	PART
fsr-3615	232	23	enhance	enhance	VERB
fsr-3615	232	24	financial	financial	ADJ
fsr-3615	232	25	literacy	literacy	NOUN
fsr-3615	232	26	and	and	CCONJ
fsr-3615	232	27	management	management	NOUN
fsr-3615	232	28	skills	skill	NOUN
fsr-3615	232	29	among	among	ADP
fsr-3615	232	30	the	the	DET
fsr-3615	232	31	population	population	NOUN
fsr-3615	232	32	.	.	PUNCT
fsr-3615	233	1	this	this	DET
fsr-3615	233	2	research	research	NOUN
fsr-3615	233	3	validates	validate	VERB
fsr-3615	233	4	earlier	early	ADJ
fsr-3615	233	5	findings	finding	NOUN
fsr-3615	233	6	that	that	SCONJ
fsr-3615	233	7	a	a	DET
fsr-3615	233	8	lack	lack	NOUN
fsr-3615	233	9	of	of	ADP
fsr-3615	233	10	financial	financial	ADJ
fsr-3615	233	11	control	control	NOUN
fsr-3615	233	12	mediates	mediate	NOUN
fsr-3615	233	13	individuals	individual	NOUN
fsr-3615	233	14	’	'	PUNCT
fsr-3615	233	15	ouyang	ouyang	PROPN
fsr-3615	233	16	et	et	PROPN
fsr-3615	233	17	al	al	PROPN
fsr-3615	233	18	.	.	PROPN
fsr-3615	233	19	15	15	NUM
fsr-3615	233	20	willingness	willingness	NOUN
fsr-3615	233	21	to	to	PART
fsr-3615	233	22	alleviate	alleviate	VERB
fsr-3615	233	23	their	their	PRON
fsr-3615	233	24	financial	financial	ADJ
fsr-3615	233	25	situation	situation	NOUN
fsr-3615	233	26	and	and	CCONJ
fsr-3615	233	27	improve	improve	VERB
fsr-3615	233	28	their	their	PRON
fsr-3615	233	29	financial	financial	ADJ
fsr-3615	233	30	wellness	wellness	NOUN
fsr-3615	233	31	by	by	ADP
fsr-3615	233	32	settling	settle	VERB
fsr-3615	233	33	their	their	PRON
fsr-3615	233	34	debt	debt	NOUN
fsr-3615	233	35	obligations	obligation	NOUN
fsr-3615	233	36	when	when	SCONJ
fsr-3615	233	37	faced	face	VERB
fsr-3615	233	38	with	with	ADP
fsr-3615	233	39	sudden	sudden	ADJ
fsr-3615	233	40	income	income	NOUN
fsr-3615	233	41	shock	shock	NOUN
fsr-3615	233	42	or	or	CCONJ
fsr-3615	233	43	economic	economic	ADJ
fsr-3615	233	44	uncertainty	uncertainty	NOUN
fsr-3615	233	45	(	(	PUNCT
fsr-3615	233	46	gasiorowska	gasiorowska	NOUN
fsr-3615	233	47	,	,	PUNCT
fsr-3615	233	48	2014	2014	NUM
fsr-3615	233	49	;	;	PUNCT
fsr-3615	233	50	tang	tang	X
fsr-3615	233	51	et	et	PROPN
fsr-3615	233	52	al	al	PROPN
fsr-3615	233	53	.	.	PROPN
fsr-3615	233	54	,	,	PUNCT
fsr-3615	233	55	2005	2005	NUM
fsr-3615	233	56	)	)	PUNCT
fsr-3615	233	57	.	.	PUNCT
fsr-3615	234	1	we	we	PRON
fsr-3615	234	2	found	find	VERB
fsr-3615	234	3	that	that	SCONJ
fsr-3615	234	4	households	household	NOUN
fsr-3615	234	5	experiencing	experience	VERB
fsr-3615	234	6	an	an	DET
fsr-3615	234	7	income	income	NOUN
fsr-3615	234	8	drop	drop	NOUN
fsr-3615	234	9	were	be	AUX
fsr-3615	234	10	1.055	1.055	NUM
fsr-3615	234	11	times	time	NOUN
fsr-3615	234	12	more	more	ADV
fsr-3615	234	13	likely	likely	ADJ
fsr-3615	234	14	to	to	PART
fsr-3615	234	15	use	use	VERB
fsr-3615	234	16	stimulus	stimulus	ADJ
fsr-3615	234	17	checks	check	NOUN
fsr-3615	234	18	for	for	ADP
fsr-3615	234	19	debt	debt	NOUN
fsr-3615	234	20	payments	payment	NOUN
fsr-3615	234	21	than	than	ADP
fsr-3615	234	22	those	those	PRON
fsr-3615	234	23	without	without	ADP
fsr-3615	234	24	such	such	ADJ
fsr-3615	234	25	income	income	NOUN
fsr-3615	234	26	shocks	shock	NOUN
fsr-3615	234	27	,	,	PUNCT
fsr-3615	234	28	especially	especially	ADV
fsr-3615	234	29	when	when	SCONJ
fsr-3615	234	30	influenced	influence	VERB
fsr-3615	234	31	by	by	ADP
fsr-3615	234	32	perceived	perceive	VERB
fsr-3615	234	33	financial	financial	ADJ
fsr-3615	234	34	insecurity	insecurity	NOUN
fsr-3615	234	35	.	.	PUNCT
fsr-3615	235	1	further	far	ADV
fsr-3615	235	2	,	,	PUNCT
fsr-3615	235	3	with	with	SCONJ
fsr-3615	235	4	other	other	ADJ
fsr-3615	235	5	factors	factor	NOUN
fsr-3615	235	6	controlled	control	VERB
fsr-3615	235	7	,	,	PUNCT
fsr-3615	235	8	households	household	NOUN
fsr-3615	235	9	that	that	PRON
fsr-3615	235	10	experienced	experience	VERB
fsr-3615	235	11	an	an	DET
fsr-3615	235	12	income	income	NOUN
fsr-3615	235	13	drop	drop	NOUN
fsr-3615	235	14	exhibited	exhibit	VERB
fsr-3615	235	15	13.10	13.10	NUM
fsr-3615	235	16	%	%	NOUN
fsr-3615	235	17	higher	high	ADJ
fsr-3615	235	18	odds	odd	NOUN
fsr-3615	235	19	of	of	ADP
fsr-3615	235	20	using	use	VERB
fsr-3615	235	21	stimulus	stimulus	ADJ
fsr-3615	235	22	checks	check	NOUN
fsr-3615	235	23	for	for	ADP
fsr-3615	235	24	debt	debt	NOUN
fsr-3615	235	25	payments	payment	NOUN
fsr-3615	235	26	,	,	PUNCT
fsr-3615	235	27	mediated	mediate	VERB
fsr-3615	235	28	by	by	ADP
fsr-3615	235	29	their	their	PRON
fsr-3615	235	30	perceived	perceive	VERB
fsr-3615	235	31	lack	lack	NOUN
fsr-3615	235	32	of	of	ADP
fsr-3615	235	33	financial	financial	ADJ
fsr-3615	235	34	control	control	NOUN
fsr-3615	235	35	.	.	PUNCT
fsr-3615	236	1	however	however	ADV
fsr-3615	236	2	,	,	PUNCT
fsr-3615	236	3	it	it	PRON
fsr-3615	236	4	should	should	AUX
fsr-3615	236	5	be	be	AUX
fsr-3615	236	6	noted	note	VERB
fsr-3615	236	7	that	that	SCONJ
fsr-3615	236	8	income	income	NOUN
fsr-3615	236	9	drop	drop	NOUN
fsr-3615	236	10	was	be	AUX
fsr-3615	236	11	a	a	DET
fsr-3615	236	12	self	self	NOUN
fsr-3615	236	13	-	-	PUNCT
fsr-3615	236	14	reported	report	VERB
fsr-3615	236	15	measure	measure	NOUN
fsr-3615	236	16	,	,	PUNCT
fsr-3615	236	17	reflecting	reflect	VERB
fsr-3615	236	18	the	the	DET
fsr-3615	236	19	presence	presence	NOUN
fsr-3615	236	20	of	of	ADP
fsr-3615	236	21	an	an	DET
fsr-3615	236	22	income	income	NOUN
fsr-3615	236	23	shock	shock	NOUN
fsr-3615	236	24	during	during	ADP
fsr-3615	236	25	the	the	DET
fsr-3615	236	26	pandemic	pandemic	ADJ
fsr-3615	236	27	but	but	CCONJ
fsr-3615	236	28	not	not	PART
fsr-3615	236	29	the	the	DET
fsr-3615	236	30	specific	specific	ADJ
fsr-3615	236	31	magnitude	magnitude	NOUN
fsr-3615	236	32	.	.	PUNCT
fsr-3615	237	1	the	the	DET
fsr-3615	237	2	decision	decision	NOUN
fsr-3615	237	3	to	to	PART
fsr-3615	237	4	use	use	VERB
fsr-3615	237	5	stimulus	stimulus	ADJ
fsr-3615	237	6	checks	check	NOUN
fsr-3615	237	7	for	for	ADP
fsr-3615	237	8	debt	debt	NOUN
fsr-3615	237	9	payments	payment	NOUN
fsr-3615	237	10	represented	represent	VERB
fsr-3615	237	11	a	a	DET
fsr-3615	237	12	direct	direct	ADJ
fsr-3615	237	13	financial	financial	ADJ
fsr-3615	237	14	response	response	NOUN
fsr-3615	237	15	to	to	ADP
fsr-3615	237	16	the	the	DET
fsr-3615	237	17	pandemic	pandemic	NOUN
fsr-3615	237	18	.	.	PUNCT
fsr-3615	238	1	the	the	DET
fsr-3615	238	2	perceived	perceive	VERB
fsr-3615	238	3	lack	lack	NOUN
fsr-3615	238	4	of	of	ADP
fsr-3615	238	5	financial	financial	ADJ
fsr-3615	238	6	control	control	NOUN
fsr-3615	238	7	was	be	AUX
fsr-3615	238	8	gauged	gauge	VERB
fsr-3615	238	9	through	through	ADP
fsr-3615	238	10	self	self	NOUN
fsr-3615	238	11	-	-	PUNCT
fsr-3615	238	12	assessment	assessment	NOUN
fsr-3615	238	13	rather	rather	ADV
fsr-3615	238	14	than	than	ADP
fsr-3615	238	15	their	their	PRON
fsr-3615	238	16	actual	actual	ADJ
fsr-3615	238	17	financial	financial	ADJ
fsr-3615	238	18	management	management	NOUN
fsr-3615	238	19	abilities	ability	NOUN
fsr-3615	238	20	.	.	PUNCT
fsr-3615	239	1	this	this	DET
fsr-3615	239	2	study	study	NOUN
fsr-3615	239	3	suggests	suggest	VERB
fsr-3615	239	4	that	that	SCONJ
fsr-3615	239	5	perceived	perceive	VERB
fsr-3615	239	6	financial	financial	ADJ
fsr-3615	239	7	control	control	NOUN
fsr-3615	239	8	—	—	PUNCT
fsr-3615	239	9	or	or	CCONJ
fsr-3615	239	10	the	the	DET
fsr-3615	239	11	lack	lack	NOUN
fsr-3615	239	12	thereof	thereof	ADV
fsr-3615	239	13	—	—	PUNCT
fsr-3615	239	14	plays	play	VERB
fsr-3615	239	15	a	a	DET
fsr-3615	239	16	mediating	mediate	VERB
fsr-3615	239	17	role	role	NOUN
fsr-3615	239	18	between	between	ADP
fsr-3615	239	19	negative	negative	ADJ
fsr-3615	239	20	income	income	NOUN
fsr-3615	239	21	shocks	shock	NOUN
fsr-3615	239	22	and	and	CCONJ
fsr-3615	239	23	the	the	DET
fsr-3615	239	24	decision	decision	NOUN
fsr-3615	239	25	to	to	PART
fsr-3615	239	26	pay	pay	VERB
fsr-3615	239	27	off	off	ADP
fsr-3615	239	28	debt	debt	NOUN
fsr-3615	239	29	using	use	VERB
fsr-3615	239	30	financial	financial	ADJ
fsr-3615	239	31	resources	resource	NOUN
fsr-3615	239	32	,	,	PUNCT
fsr-3615	239	33	including	include	VERB
fsr-3615	239	34	using	use	VERB
fsr-3615	239	35	covid-19	covid-19	PROPN
fsr-3615	239	36	stimulus	stimulus	ADJ
fsr-3615	239	37	checks	check	NOUN
fsr-3615	239	38	.	.	PUNCT
fsr-3615	240	1	it	it	PRON
fsr-3615	240	2	has	have	AUX
fsr-3615	240	3	been	be	AUX
fsr-3615	240	4	suggested	suggest	VERB
fsr-3615	240	5	by	by	ADP
fsr-3615	240	6	others	other	NOUN
fsr-3615	240	7	that	that	SCONJ
fsr-3615	240	8	the	the	DET
fsr-3615	240	9	decision	decision	NOUN
fsr-3615	240	10	to	to	PART
fsr-3615	240	11	pay	pay	VERB
fsr-3615	240	12	one	one	NUM
fsr-3615	240	13	’s	’s	PART
fsr-3615	240	14	debt	debt	NOUN
fsr-3615	240	15	is	be	AUX
fsr-3615	240	16	motivated	motivate	VERB
fsr-3615	240	17	by	by	ADP
fsr-3615	240	18	a	a	DET
fsr-3615	240	19	desire	desire	NOUN
fsr-3615	240	20	to	to	PART
fsr-3615	240	21	reduce	reduce	VERB
fsr-3615	240	22	financial	financial	ADJ
fsr-3615	240	23	uncertainty	uncertainty	NOUN
fsr-3615	240	24	and	and	CCONJ
fsr-3615	240	25	to	to	PART
fsr-3615	240	26	regain	regain	VERB
fsr-3615	240	27	a	a	DET
fsr-3615	240	28	greater	great	ADJ
fsr-3615	240	29	perception	perception	NOUN
fsr-3615	240	30	of	of	ADP
fsr-3615	240	31	control	control	NOUN
fsr-3615	240	32	over	over	ADP
fsr-3615	240	33	their	their	PRON
fsr-3615	240	34	financial	financial	ADJ
fsr-3615	240	35	situation	situation	NOUN
fsr-3615	240	36	(	(	PUNCT
fsr-3615	240	37	e.g.	e.g.	ADV
fsr-3615	240	38	,	,	PUNCT
fsr-3615	240	39	baum	baum	PROPN
fsr-3615	240	40	et	et	PROPN
fsr-3615	240	41	al	al	PROPN
fsr-3615	240	42	.	.	PROPN
fsr-3615	240	43	,	,	PUNCT
fsr-3615	240	44	1986	1986	NUM
fsr-3615	240	45	;	;	PUNCT
fsr-3615	240	46	lea	lea	PROPN
fsr-3615	240	47	et	et	PROPN
fsr-3615	240	48	al	al	PROPN
fsr-3615	240	49	.	.	PROPN
fsr-3615	240	50	,	,	PUNCT
fsr-3615	240	51	1995	1995	NUM
fsr-3615	240	52	;	;	PUNCT
fsr-3615	240	53	whitson	whitson	PROPN
fsr-3615	240	54	&	&	CCONJ
fsr-3615	240	55	galinsky	galinsky	PROPN
fsr-3615	240	56	,	,	PUNCT
fsr-3615	240	57	2008	2008	NUM
fsr-3615	240	58	)	)	PUNCT
fsr-3615	240	59	.	.	PUNCT
fsr-3615	241	1	furthermore	furthermore	ADV
fsr-3615	241	2	,	,	PUNCT
fsr-3615	241	3	the	the	DET
fsr-3615	241	4	findings	finding	NOUN
fsr-3615	241	5	from	from	ADP
fsr-3615	241	6	this	this	DET
fsr-3615	241	7	study	study	NOUN
fsr-3615	241	8	underscore	underscore	VERB
fsr-3615	241	9	the	the	DET
fsr-3615	241	10	importance	importance	NOUN
fsr-3615	241	11	of	of	ADP
fsr-3615	241	12	considering	consider	VERB
fsr-3615	241	13	psychological	psychological	ADJ
fsr-3615	241	14	factors	factor	NOUN
fsr-3615	241	15	,	,	PUNCT
fsr-3615	241	16	such	such	ADJ
fsr-3615	241	17	as	as	ADP
fsr-3615	241	18	individuals	individual	NOUN
fsr-3615	241	19	’	'	PUNCT
fsr-3615	241	20	perceptions	perception	NOUN
fsr-3615	241	21	of	of	ADP
fsr-3615	241	22	control	control	NOUN
fsr-3615	241	23	and	and	CCONJ
fsr-3615	241	24	helplessness	helplessness	NOUN
fsr-3615	241	25	,	,	PUNCT
fsr-3615	241	26	when	when	SCONJ
fsr-3615	241	27	examining	examine	VERB
fsr-3615	241	28	their	their	PRON
fsr-3615	241	29	debt	debt	NOUN
fsr-3615	241	30	management	management	NOUN
fsr-3615	241	31	behaviors	behavior	NOUN
fsr-3615	241	32	.	.	PUNCT
fsr-3615	242	1	the	the	DET
fsr-3615	242	2	findings	finding	NOUN
fsr-3615	242	3	from	from	ADP
fsr-3615	242	4	this	this	DET
fsr-3615	242	5	study	study	NOUN
fsr-3615	242	6	also	also	ADV
fsr-3615	242	7	underscore	underscore	VERB
fsr-3615	242	8	the	the	DET
fsr-3615	242	9	usefulness	usefulness	NOUN
fsr-3615	242	10	of	of	ADP
fsr-3615	242	11	considering	consider	VERB
fsr-3615	242	12	self	self	NOUN
fsr-3615	242	13	-	-	PUNCT
fsr-3615	242	14	assessment	assessment	NOUN
fsr-3615	242	15	of	of	ADP
fsr-3615	242	16	individuals	individual	NOUN
fsr-3615	242	17	’	'	PUNCT
fsr-3615	242	18	ability	ability	NOUN
fsr-3615	242	19	to	to	PART
fsr-3615	242	20	be	be	AUX
fsr-3615	242	21	in	in	ADP
fsr-3615	242	22	control	control	NOUN
fsr-3615	242	23	of	of	ADP
fsr-3615	242	24	their	their	PRON
fsr-3615	242	25	finances	finance	NOUN
fsr-3615	242	26	when	when	SCONJ
fsr-3615	242	27	examining	examine	VERB
fsr-3615	242	28	the	the	DET
fsr-3615	242	29	financial	financial	ADJ
fsr-3615	242	30	behavior	behavior	NOUN
fsr-3615	242	31	of	of	ADP
fsr-3615	242	32	individuals	individual	NOUN
fsr-3615	242	33	who	who	PRON
fsr-3615	242	34	experience	experience	VERB
fsr-3615	242	35	income	income	NOUN
fsr-3615	242	36	shock	shock	NOUN
fsr-3615	242	37	or	or	CCONJ
fsr-3615	242	38	economic	economic	ADJ
fsr-3615	242	39	uncertainty	uncertainty	NOUN
fsr-3615	242	40	.	.	PUNCT
fsr-3615	243	1	moreover	moreover	ADV
fsr-3615	243	2	,	,	PUNCT
fsr-3615	243	3	while	while	SCONJ
fsr-3615	243	4	the	the	DET
fsr-3615	243	5	findings	finding	NOUN
fsr-3615	243	6	from	from	ADP
fsr-3615	243	7	this	this	DET
fsr-3615	243	8	study	study	NOUN
fsr-3615	243	9	indicate	indicate	VERB
fsr-3615	243	10	that	that	SCONJ
fsr-3615	243	11	providing	provide	VERB
fsr-3615	243	12	households	household	NOUN
fsr-3615	243	13	with	with	ADP
fsr-3615	243	14	stimulus	stimulus	ADJ
fsr-3615	243	15	checks	check	NOUN
fsr-3615	243	16	during	during	ADP
fsr-3615	243	17	the	the	DET
fsr-3615	243	18	covid-19	covid-19	PROPN
fsr-3615	243	19	pandemic	pandemic	NOUN
fsr-3615	243	20	was	be	AUX
fsr-3615	243	21	a	a	DET
fsr-3615	243	22	timely	timely	ADJ
fsr-3615	243	23	intervention	intervention	NOUN
fsr-3615	243	24	that	that	PRON
fsr-3615	243	25	helped	help	VERB
fsr-3615	243	26	some	some	DET
fsr-3615	243	27	people	people	NOUN
fsr-3615	243	28	reduce	reduce	VERB
fsr-3615	243	29	their	their	PRON
fsr-3615	243	30	debt	debt	NOUN
fsr-3615	243	31	obligations	obligation	NOUN
fsr-3615	243	32	,	,	PUNCT
fsr-3615	243	33	findings	finding	NOUN
fsr-3615	243	34	also	also	ADV
fsr-3615	243	35	underscore	underscore	VERB
fsr-3615	243	36	the	the	DET
fsr-3615	243	37	importance	importance	NOUN
fsr-3615	243	38	of	of	ADP
fsr-3615	243	39	educating	educate	VERB
fsr-3615	243	40	people	people	NOUN
fsr-3615	243	41	to	to	PART
fsr-3615	243	42	build	build	VERB
fsr-3615	243	43	sufficient	sufficient	ADJ
fsr-3615	243	44	emergency	emergency	NOUN
fsr-3615	243	45	savings	saving	NOUN
fsr-3615	243	46	to	to	PART
fsr-3615	243	47	sustain	sustain	VERB
fsr-3615	243	48	a	a	DET
fsr-3615	243	49	household	household	NOUN
fsr-3615	243	50	through	through	ADP
fsr-3615	243	51	periods	period	NOUN
fsr-3615	243	52	of	of	ADP
fsr-3615	243	53	economic	economic	ADJ
fsr-3615	243	54	uncertainty	uncertainty	NOUN
fsr-3615	243	55	.	.	PUNCT
fsr-3615	244	1	emergency	emergency	NOUN
fsr-3615	244	2	savings	saving	NOUN
fsr-3615	244	3	may	may	AUX
fsr-3615	244	4	play	play	VERB
fsr-3615	244	5	a	a	DET
fsr-3615	244	6	protective	protective	ADJ
fsr-3615	244	7	role	role	NOUN
fsr-3615	244	8	as	as	ADP
fsr-3615	244	9	a	a	DET
fsr-3615	244	10	financial	financial	ADJ
fsr-3615	244	11	resource	resource	NOUN
fsr-3615	244	12	during	during	ADP
fsr-3615	244	13	periods	period	NOUN
fsr-3615	244	14	of	of	ADP
fsr-3615	244	15	income	income	NOUN
fsr-3615	244	16	uncertainty	uncertainty	NOUN
fsr-3615	244	17	,	,	PUNCT
fsr-3615	244	18	in	in	ADP
fsr-3615	244	19	addition	addition	NOUN
fsr-3615	244	20	to	to	ADP
fsr-3615	244	21	being	be	AUX
fsr-3615	244	22	an	an	DET
fsr-3615	244	23	important	important	ADJ
fsr-3615	244	24	factor	factor	NOUN
fsr-3615	244	25	in	in	ADP
fsr-3615	244	26	the	the	DET
fsr-3615	244	27	psychological	psychological	ADJ
fsr-3615	244	28	well	well	NOUN
fsr-3615	244	29	-	-	PUNCT
fsr-3615	244	30	being	being	NOUN
fsr-3615	244	31	of	of	ADP
fsr-3615	244	32	people	people	NOUN
fsr-3615	244	33	.	.	PUNCT
fsr-3615	245	1	this	this	PRON
fsr-3615	245	2	is	be	AUX
fsr-3615	245	3	because	because	SCONJ
fsr-3615	245	4	people	people	NOUN
fsr-3615	245	5	can	can	AUX
fsr-3615	245	6	use	use	VERB
fsr-3615	245	7	emergency	emergency	NOUN
fsr-3615	245	8	savings	saving	NOUN
fsr-3615	245	9	to	to	PART
fsr-3615	245	10	meet	meet	VERB
fsr-3615	245	11	their	their	PRON
fsr-3615	245	12	financial	financial	ADJ
fsr-3615	245	13	obligations	obligation	NOUN
fsr-3615	245	14	,	,	PUNCT
fsr-3615	245	15	and	and	CCONJ
fsr-3615	245	16	the	the	DET
fsr-3615	245	17	decision	decision	NOUN
fsr-3615	245	18	to	to	PART
fsr-3615	245	19	reduce	reduce	VERB
fsr-3615	245	20	their	their	PRON
fsr-3615	245	21	debt	debt	NOUN
fsr-3615	245	22	obligations	obligation	NOUN
fsr-3615	245	23	may	may	AUX
fsr-3615	245	24	provide	provide	VERB
fsr-3615	245	25	them	they	PRON
fsr-3615	245	26	with	with	ADP
fsr-3615	245	27	a	a	DET
fsr-3615	245	28	sense	sense	NOUN
fsr-3615	245	29	of	of	ADP
fsr-3615	245	30	control	control	NOUN
fsr-3615	245	31	over	over	ADP
fsr-3615	245	32	their	their	PRON
fsr-3615	245	33	financial	financial	ADJ
fsr-3615	245	34	situation	situation	NOUN
fsr-3615	245	35	during	during	ADP
fsr-3615	245	36	periods	period	NOUN
fsr-3615	245	37	of	of	ADP
fsr-3615	245	38	economic	economic	ADJ
fsr-3615	245	39	uncertainty	uncertainty	NOUN
fsr-3615	245	40	.	.	PUNCT
fsr-3615	246	1	based	base	VERB
fsr-3615	246	2	on	on	ADP
fsr-3615	246	3	the	the	DET
fsr-3615	246	4	findings	finding	NOUN
fsr-3615	246	5	from	from	ADP
fsr-3615	246	6	this	this	DET
fsr-3615	246	7	study	study	NOUN
fsr-3615	246	8	,	,	PUNCT
fsr-3615	246	9	outstanding	outstanding	ADJ
fsr-3615	246	10	debt	debt	NOUN
fsr-3615	246	11	was	be	AUX
fsr-3615	246	12	likely	likely	ADV
fsr-3615	246	13	a	a	DET
fsr-3615	246	14	salient	salient	NOUN
fsr-3615	246	15	factor	factor	NOUN
fsr-3615	246	16	for	for	ADP
fsr-3615	246	17	individuals	individual	NOUN
fsr-3615	246	18	who	who	PRON
fsr-3615	246	19	faced	face	VERB
fsr-3615	246	20	income	income	NOUN
fsr-3615	246	21	uncertainty	uncertainty	NOUN
fsr-3615	246	22	and	and	CCONJ
fsr-3615	246	23	were	be	AUX
fsr-3615	246	24	unable	unable	ADJ
fsr-3615	246	25	to	to	PART
fsr-3615	246	26	meet	meet	VERB
fsr-3615	246	27	their	their	PRON
fsr-3615	246	28	financial	financial	ADJ
fsr-3615	246	29	debt	debt	NOUN
fsr-3615	246	30	obligations	obligation	NOUN
fsr-3615	246	31	.	.	PUNCT
fsr-3615	247	1	interestingly	interestingly	ADV
fsr-3615	247	2	,	,	PUNCT
fsr-3615	247	3	the	the	DET
fsr-3615	247	4	results	result	NOUN
fsr-3615	247	5	from	from	ADP
fsr-3615	247	6	this	this	DET
fsr-3615	247	7	study	study	NOUN
fsr-3615	247	8	indicate	indicate	VERB
fsr-3615	247	9	that	that	SCONJ
fsr-3615	247	10	traditionally	traditionally	ADV
fsr-3615	247	11	financially	financially	ADV
fsr-3615	247	12	underserved	underserved	ADJ
fsr-3615	247	13	socio	socio	NOUN
fsr-3615	247	14	-	-	ADJ
fsr-3615	247	15	demographic	demographic	ADJ
fsr-3615	247	16	groups	group	NOUN
fsr-3615	247	17	such	such	ADJ
fsr-3615	247	18	as	as	ADP
fsr-3615	247	19	women	woman	NOUN
fsr-3615	247	20	and	and	CCONJ
fsr-3615	247	21	non	non	ADJ
fsr-3615	247	22	-	-	ADJ
fsr-3615	247	23	white	white	ADJ
fsr-3615	247	24	households	household	NOUN
fsr-3615	247	25	were	be	AUX
fsr-3615	247	26	more	more	ADV
fsr-3615	247	27	likely	likely	ADJ
fsr-3615	247	28	to	to	PART
fsr-3615	247	29	use	use	VERB
fsr-3615	247	30	stimulus	stimulus	ADJ
fsr-3615	247	31	checks	check	NOUN
fsr-3615	247	32	to	to	PART
fsr-3615	247	33	reduce	reduce	VERB
fsr-3615	247	34	their	their	PRON
fsr-3615	247	35	outstanding	outstanding	ADJ
fsr-3615	247	36	debt	debt	NOUN
fsr-3615	247	37	obligations	obligation	NOUN
fsr-3615	247	38	.	.	PUNCT
fsr-3615	248	1	additionally	additionally	ADV
fsr-3615	248	2	,	,	PUNCT
fsr-3615	248	3	the	the	DET
fsr-3615	248	4	results	result	NOUN
fsr-3615	248	5	from	from	ADP
fsr-3615	248	6	this	this	DET
fsr-3615	248	7	study	study	NOUN
fsr-3615	248	8	suggest	suggest	VERB
fsr-3615	248	9	that	that	SCONJ
fsr-3615	248	10	people	people	NOUN
fsr-3615	248	11	with	with	ADP
fsr-3615	248	12	higher	high	ADJ
fsr-3615	248	13	levels	level	NOUN
fsr-3615	248	14	of	of	ADP
fsr-3615	248	15	financial	financial	ADJ
fsr-3615	248	16	resources	resource	NOUN
fsr-3615	248	17	may	may	AUX
fsr-3615	248	18	be	be	AUX
fsr-3615	248	19	able	able	ADJ
fsr-3615	248	20	to	to	PART
fsr-3615	248	21	cope	cope	VERB
fsr-3615	248	22	better	well	ADV
fsr-3615	248	23	during	during	ADP
fsr-3615	248	24	periods	period	NOUN
fsr-3615	248	25	of	of	ADP
fsr-3615	248	26	income	income	NOUN
fsr-3615	248	27	uncertainty	uncertainty	NOUN
fsr-3615	248	28	than	than	ADP
fsr-3615	248	29	people	people	NOUN
fsr-3615	248	30	without	without	ADP
fsr-3615	248	31	adequate	adequate	ADJ
fsr-3615	248	32	emergency	emergency	NOUN
fsr-3615	248	33	funds	fund	NOUN
fsr-3615	248	34	.	.	PUNCT
fsr-3615	249	1	and	and	CCONJ
fsr-3615	249	2	as	as	ADP
fsr-3615	249	3	a	a	DET
fsr-3615	249	4	corollary	corollary	NOUN
fsr-3615	249	5	,	,	PUNCT
fsr-3615	249	6	it	it	PRON
fsr-3615	249	7	should	should	AUX
fsr-3615	249	8	be	be	AUX
fsr-3615	249	9	noted	note	VERB
fsr-3615	249	10	that	that	SCONJ
fsr-3615	249	11	carrying	carry	VERB
fsr-3615	249	12	a	a	DET
fsr-3615	249	13	lower	low	ADJ
fsr-3615	249	14	debt	debt	NOUN
fsr-3615	249	15	burden	burden	NOUN
fsr-3615	249	16	can	can	AUX
fsr-3615	249	17	protect	protect	VERB
fsr-3615	249	18	people	people	NOUN
fsr-3615	249	19	from	from	ADP
fsr-3615	249	20	experiencing	experience	VERB
fsr-3615	249	21	adverse	adverse	ADJ
fsr-3615	249	22	outcomes	outcome	NOUN
fsr-3615	249	23	when	when	SCONJ
fsr-3615	249	24	experiencing	experience	VERB
fsr-3615	249	25	financial	financial	ADJ
fsr-3615	249	26	hardship	hardship	NOUN
fsr-3615	249	27	;	;	PUNCT
fsr-3615	249	28	and	and	CCONJ
fsr-3615	249	29	having	have	VERB
fsr-3615	249	30	adequate	adequate	ADJ
fsr-3615	249	31	emergency	emergency	NOUN
fsr-3615	249	32	savings	saving	NOUN
fsr-3615	249	33	,	,	PUNCT
fsr-3615	249	34	while	while	SCONJ
fsr-3615	249	35	being	be	AUX
fsr-3615	249	36	able	able	ADJ
fsr-3615	249	37	to	to	PART
fsr-3615	249	38	maintain	maintain	VERB
fsr-3615	249	39	lower	low	ADJ
fsr-3615	249	40	financial	financial	ADJ
fsr-3615	249	41	debt	debt	NOUN
fsr-3615	249	42	burdens	burden	NOUN
fsr-3615	249	43	,	,	PUNCT
fsr-3615	249	44	may	may	AUX
fsr-3615	249	45	ultimately	ultimately	ADV
fsr-3615	249	46	help	help	VERB
fsr-3615	249	47	households	household	NOUN
fsr-3615	249	48	stay	stay	VERB
fsr-3615	249	49	out	out	ADP
fsr-3615	249	50	of	of	ADP
fsr-3615	249	51	poverty	poverty	NOUN
fsr-3615	249	52	during	during	ADP
fsr-3615	249	53	periods	period	NOUN
fsr-3615	249	54	of	of	ADP
fsr-3615	249	55	income	income	NOUN
fsr-3615	249	56	uncertainty	uncertainty	NOUN
fsr-3615	249	57	.	.	PUNCT
fsr-3615	250	1	individuals	individual	NOUN
fsr-3615	250	2	’	’	PART
fsr-3615	250	3	debt	debt	NOUN
fsr-3615	250	4	burdens	burden	NOUN
fsr-3615	250	5	can	can	AUX
fsr-3615	250	6	have	have	VERB
fsr-3615	250	7	deleterious	deleterious	ADJ
fsr-3615	250	8	consequences	consequence	NOUN
fsr-3615	250	9	on	on	ADP
fsr-3615	250	10	their	their	PRON
fsr-3615	250	11	well	well	ADV
fsr-3615	250	12	-	-	PUNCT
fsr-3615	250	13	being	being	NOUN
fsr-3615	250	14	,	,	PUNCT
fsr-3615	250	15	and	and	CCONJ
fsr-3615	250	16	more	more	ADV
fsr-3615	250	17	broadly	broadly	ADV
fsr-3615	250	18	,	,	PUNCT
fsr-3615	250	19	the	the	DET
fsr-3615	250	20	consequences	consequence	NOUN
fsr-3615	250	21	of	of	ADP
fsr-3615	250	22	carrying	carry	VERB
fsr-3615	250	23	debt	debt	NOUN
fsr-3615	250	24	obligations	obligation	NOUN
fsr-3615	250	25	may	may	AUX
fsr-3615	250	26	have	have	VERB
fsr-3615	250	27	a	a	DET
fsr-3615	250	28	cascading	cascade	VERB
fsr-3615	250	29	negative	negative	ADJ
fsr-3615	250	30	effect	effect	NOUN
fsr-3615	250	31	in	in	ADP
fsr-3615	250	32	the	the	DET
fsr-3615	250	33	community	community	NOUN
fsr-3615	250	34	during	during	ADP
fsr-3615	250	35	periods	period	NOUN
fsr-3615	250	36	of	of	ADP
fsr-3615	250	37	economic	economic	ADJ
fsr-3615	250	38	uncertainty	uncertainty	NOUN
fsr-3615	250	39	.	.	PUNCT
fsr-3615	251	1	the	the	DET
fsr-3615	251	2	significance	significance	NOUN
fsr-3615	251	3	of	of	ADP
fsr-3615	251	4	financial	financial	ADJ
fsr-3615	251	5	knowledge	knowledge	NOUN
fsr-3615	251	6	variables	variable	NOUN
fsr-3615	251	7	also	also	ADV
fsr-3615	251	8	underscores	underscore	VERB
fsr-3615	251	9	the	the	DET
fsr-3615	251	10	need	need	NOUN
fsr-3615	251	11	for	for	ADP
fsr-3615	251	12	developing	develop	VERB
fsr-3615	251	13	greater	great	ADJ
fsr-3615	251	14	financial	financial	ADJ
fsr-3615	251	15	capability	capability	NOUN
fsr-3615	251	16	within	within	ADP
fsr-3615	251	17	the	the	DET
fsr-3615	251	18	population	population	NOUN
fsr-3615	251	19	as	as	ADP
fsr-3615	251	20	previous	previous	ADJ
fsr-3615	251	21	studies	study	NOUN
fsr-3615	251	22	have	have	AUX
fsr-3615	251	23	indicated	indicate	VERB
fsr-3615	251	24	that	that	SCONJ
fsr-3615	251	25	financial	financial	ADJ
fsr-3615	251	26	capability	capability	NOUN
fsr-3615	251	27	can	can	AUX
fsr-3615	251	28	play	play	VERB
fsr-3615	251	29	an	an	DET
fsr-3615	251	30	important	important	ADJ
fsr-3615	251	31	role	role	NOUN
fsr-3615	251	32	and	and	CCONJ
fsr-3615	251	33	contribute	contribute	VERB
fsr-3615	251	34	to	to	ADP
fsr-3615	251	35	the	the	DET
fsr-3615	251	36	overall	overall	ADJ
fsr-3615	251	37	financial	financial	ADJ
fsr-3615	251	38	resiliency	resiliency	NOUN
fsr-3615	251	39	of	of	ADP
fsr-3615	251	40	the	the	DET
fsr-3615	251	41	population	population	NOUN
fsr-3615	251	42	(	(	PUNCT
fsr-3615	251	43	klapper	klapper	NOUN
fsr-3615	251	44	&	&	CCONJ
fsr-3615	251	45	lusardi	lusardi	PROPN
fsr-3615	251	46	,	,	PUNCT
fsr-3615	251	47	2020	2020	NUM
fsr-3615	251	48	;	;	PUNCT
fsr-3615	251	49	lusardi	lusardi	PROPN
fsr-3615	251	50	&	&	CCONJ
fsr-3615	251	51	mitchell	mitchell	PROPN
fsr-3615	251	52	,	,	PUNCT
fsr-3615	251	53	2013	2013	NUM
fsr-3615	251	54	)	)	PUNCT
fsr-3615	251	55	.	.	PUNCT
fsr-3615	252	1	financial	financial	ADJ
fsr-3615	252	2	services	services	PROPN
fsr-3615	252	3	review	review	PROPN
fsr-3615	252	4	,	,	PUNCT
fsr-3615	252	5	33(1	33(1	NUM
fsr-3615	252	6	)	)	PUNCT
fsr-3615	252	7	16	16	NUM
fsr-3615	252	8	policy	policy	NOUN
fsr-3615	252	9	implications	implication	NOUN
fsr-3615	252	10	from	from	ADP
fsr-3615	252	11	this	this	DET
fsr-3615	252	12	study	study	NOUN
fsr-3615	252	13	are	be	AUX
fsr-3615	252	14	significant	significant	ADJ
fsr-3615	252	15	.	.	PUNCT
fsr-3615	253	1	first	first	ADV
fsr-3615	253	2	,	,	PUNCT
fsr-3615	253	3	it	it	PRON
fsr-3615	253	4	suggests	suggest	VERB
fsr-3615	253	5	that	that	SCONJ
fsr-3615	253	6	economic	economic	ADJ
fsr-3615	253	7	policies	policy	NOUN
fsr-3615	253	8	,	,	PUNCT
fsr-3615	253	9	such	such	ADJ
fsr-3615	253	10	as	as	ADP
fsr-3615	253	11	the	the	DET
fsr-3615	253	12	provision	provision	NOUN
fsr-3615	253	13	of	of	ADP
fsr-3615	253	14	stimulus	stimulus	ADJ
fsr-3615	253	15	checks	check	NOUN
fsr-3615	253	16	,	,	PUNCT
fsr-3615	253	17	play	play	VERB
fsr-3615	253	18	a	a	DET
fsr-3615	253	19	critical	critical	ADJ
fsr-3615	253	20	role	role	NOUN
fsr-3615	253	21	in	in	ADP
fsr-3615	253	22	supporting	support	VERB
fsr-3615	253	23	households	household	NOUN
fsr-3615	253	24	during	during	ADP
fsr-3615	253	25	downturns	downturn	NOUN
fsr-3615	253	26	by	by	ADP
fsr-3615	253	27	providing	provide	VERB
fsr-3615	253	28	them	they	PRON
fsr-3615	253	29	with	with	ADP
fsr-3615	253	30	the	the	DET
fsr-3615	253	31	necessary	necessary	ADJ
fsr-3615	253	32	liquidity	liquidity	NOUN
fsr-3615	253	33	to	to	PART
fsr-3615	253	34	manage	manage	VERB
fsr-3615	253	35	debts	debt	NOUN
fsr-3615	253	36	.	.	PUNCT
fsr-3615	254	1	however	however	ADV
fsr-3615	254	2	,	,	PUNCT
fsr-3615	254	3	the	the	DET
fsr-3615	254	4	effectiveness	effectiveness	NOUN
fsr-3615	254	5	of	of	ADP
fsr-3615	254	6	such	such	ADJ
fsr-3615	254	7	measures	measure	NOUN
fsr-3615	254	8	could	could	AUX
fsr-3615	254	9	be	be	AUX
fsr-3615	254	10	enhanced	enhance	VERB
fsr-3615	254	11	by	by	ADP
fsr-3615	254	12	simultaneous	simultaneous	ADJ
fsr-3615	254	13	initiatives	initiative	NOUN
fsr-3615	254	14	aimed	aim	VERB
fsr-3615	254	15	at	at	ADP
fsr-3615	254	16	improving	improve	VERB
fsr-3615	254	17	financial	financial	ADJ
fsr-3615	254	18	literacy	literacy	NOUN
fsr-3615	254	19	and	and	CCONJ
fsr-3615	254	20	control	control	NOUN
fsr-3615	254	21	.	.	PUNCT
fsr-3615	255	1	programs	program	NOUN
fsr-3615	255	2	designed	design	VERB
fsr-3615	255	3	to	to	PART
fsr-3615	255	4	increase	increase	VERB
fsr-3615	255	5	financial	financial	ADJ
fsr-3615	255	6	awareness	awareness	NOUN
fsr-3615	255	7	and	and	CCONJ
fsr-3615	255	8	planning	planning	NOUN
fsr-3615	255	9	capabilities	capability	NOUN
fsr-3615	255	10	could	could	AUX
fsr-3615	255	11	help	help	VERB
fsr-3615	255	12	individuals	individual	NOUN
fsr-3615	255	13	make	make	VERB
fsr-3615	255	14	more	more	ADV
fsr-3615	255	15	informed	informed	ADJ
fsr-3615	255	16	decisions	decision	NOUN
fsr-3615	255	17	about	about	ADP
fsr-3615	255	18	how	how	SCONJ
fsr-3615	255	19	to	to	PART
fsr-3615	255	20	use	use	VERB
fsr-3615	255	21	such	such	ADJ
fsr-3615	255	22	financial	financial	ADJ
fsr-3615	255	23	aids	aid	NOUN
fsr-3615	255	24	effectively	effectively	ADV
fsr-3615	255	25	.	.	PUNCT
fsr-3615	256	1	additionally	additionally	ADV
fsr-3615	256	2	,	,	PUNCT
fsr-3615	256	3	our	our	PRON
fsr-3615	256	4	findings	finding	NOUN
fsr-3615	256	5	suggest	suggest	VERB
fsr-3615	256	6	a	a	DET
fsr-3615	256	7	need	need	NOUN
fsr-3615	256	8	for	for	ADP
fsr-3615	256	9	policies	policy	NOUN
fsr-3615	256	10	that	that	PRON
fsr-3615	256	11	are	be	AUX
fsr-3615	256	12	tailored	tailor	VERB
fsr-3615	256	13	to	to	ADP
fsr-3615	256	14	the	the	DET
fsr-3615	256	15	psychological	psychological	ADJ
fsr-3615	256	16	impacts	impact	NOUN
fsr-3615	256	17	of	of	ADP
fsr-3615	256	18	financial	financial	ADJ
fsr-3615	256	19	stress	stress	NOUN
fsr-3615	256	20	.	.	PUNCT
fsr-3615	257	1	since	since	SCONJ
fsr-3615	257	2	perceived	perceive	VERB
fsr-3615	257	3	lack	lack	NOUN
fsr-3615	257	4	of	of	ADP
fsr-3615	257	5	financial	financial	ADJ
fsr-3615	257	6	control	control	NOUN
fsr-3615	257	7	is	be	AUX
fsr-3615	257	8	a	a	DET
fsr-3615	257	9	significant	significant	ADJ
fsr-3615	257	10	stressor	stressor	NOUN
fsr-3615	257	11	that	that	PRON
fsr-3615	257	12	influences	influence	VERB
fsr-3615	257	13	financial	financial	ADJ
fsr-3615	257	14	behavior	behavior	NOUN
fsr-3615	257	15	,	,	PUNCT
fsr-3615	257	16	interventions	intervention	NOUN
fsr-3615	257	17	that	that	PRON
fsr-3615	257	18	address	address	VERB
fsr-3615	257	19	both	both	CCONJ
fsr-3615	257	20	the	the	DET
fsr-3615	257	21	financial	financial	ADJ
fsr-3615	257	22	and	and	CCONJ
fsr-3615	257	23	psychological	psychological	ADJ
fsr-3615	257	24	needs	need	NOUN
fsr-3615	257	25	of	of	ADP
fsr-3615	257	26	individuals	individual	NOUN
fsr-3615	257	27	during	during	ADP
fsr-3615	257	28	crises	crisis	NOUN
fsr-3615	257	29	are	be	AUX
fsr-3615	257	30	crucial	crucial	ADJ
fsr-3615	257	31	.	.	PUNCT
fsr-3615	258	1	this	this	PRON
fsr-3615	258	2	might	might	AUX
fsr-3615	258	3	include	include	VERB
fsr-3615	258	4	counseling	counsel	VERB
fsr-3615	258	5	services	service	NOUN
fsr-3615	258	6	or	or	CCONJ
fsr-3615	258	7	workshops	workshop	NOUN
fsr-3615	258	8	on	on	ADP
fsr-3615	258	9	financial	financial	ADJ
fsr-3615	258	10	management	management	NOUN
fsr-3615	258	11	during	during	ADP
fsr-3615	258	12	the	the	DET
fsr-3615	258	13	rollout	rollout	NOUN
fsr-3615	258	14	of	of	ADP
fsr-3615	258	15	stimulus	stimulus	ADJ
fsr-3615	258	16	measures	measure	NOUN
fsr-3615	258	17	.	.	PUNCT
fsr-3615	259	1	in	in	ADP
fsr-3615	259	2	conclusion	conclusion	NOUN
fsr-3615	259	3	,	,	PUNCT
fsr-3615	259	4	while	while	SCONJ
fsr-3615	259	5	stimulus	stimulus	ADJ
fsr-3615	259	6	payments	payment	NOUN
fsr-3615	259	7	serve	serve	VERB
fsr-3615	259	8	as	as	ADP
fsr-3615	259	9	essential	essential	ADJ
fsr-3615	259	10	tools	tool	NOUN
fsr-3615	259	11	for	for	ADP
fsr-3615	259	12	immediate	immediate	ADJ
fsr-3615	259	13	economic	economic	ADJ
fsr-3615	259	14	relief	relief	NOUN
fsr-3615	259	15	,	,	PUNCT
fsr-3615	259	16	their	their	PRON
fsr-3615	259	17	long	long	ADJ
fsr-3615	259	18	-	-	PUNCT
fsr-3615	259	19	term	term	NOUN
fsr-3615	259	20	efficacy	efficacy	NOUN
fsr-3615	259	21	could	could	AUX
fsr-3615	259	22	be	be	AUX
fsr-3615	259	23	significantly	significantly	ADV
fsr-3615	259	24	enhanced	enhance	VERB
fsr-3615	259	25	by	by	ADP
fsr-3615	259	26	policies	policy	NOUN
fsr-3615	259	27	that	that	PRON
fsr-3615	259	28	also	also	ADV
fsr-3615	259	29	address	address	VERB
fsr-3615	259	30	financial	financial	ADJ
fsr-3615	259	31	education	education	NOUN
fsr-3615	259	32	,	,	PUNCT
fsr-3615	259	33	financial	financial	ADJ
fsr-3615	259	34	advice	advice	NOUN
fsr-3615	259	35	and	and	CCONJ
fsr-3615	259	36	psychological	psychological	ADJ
fsr-3615	259	37	resilience	resilience	NOUN
fsr-3615	259	38	.	.	PUNCT
fsr-3615	260	1	this	this	DET
fsr-3615	260	2	multidimensional	multidimensional	ADJ
fsr-3615	260	3	approach	approach	NOUN
fsr-3615	260	4	could	could	AUX
fsr-3615	260	5	form	form	VERB
fsr-3615	260	6	a	a	DET
fsr-3615	260	7	cornerstone	cornerstone	NOUN
fsr-3615	260	8	of	of	ADP
fsr-3615	260	9	future	future	ADJ
fsr-3615	260	10	economic	economic	ADJ
fsr-3615	260	11	crisis	crisis	NOUN
fsr-3615	260	12	interventions	intervention	NOUN
fsr-3615	260	13	,	,	PUNCT
fsr-3615	260	14	ensuring	ensure	VERB
fsr-3615	260	15	that	that	SCONJ
fsr-3615	260	16	households	household	NOUN
fsr-3615	260	17	are	be	AUX
fsr-3615	260	18	not	not	PART
fsr-3615	260	19	only	only	ADV
fsr-3615	260	20	financially	financially	ADV
fsr-3615	260	21	supported	support	VERB
fsr-3615	260	22	but	but	CCONJ
fsr-3615	260	23	also	also	ADV
fsr-3615	260	24	empowered	empower	VERB
fsr-3615	260	25	to	to	PART
fsr-3615	260	26	manage	manage	VERB
fsr-3615	260	27	their	their	PRON
fsr-3615	260	28	financial	financial	ADJ
fsr-3615	260	29	health	health	NOUN
fsr-3615	260	30	proactively	proactively	ADV
fsr-3615	260	31	during	during	ADP
fsr-3615	260	32	and	and	CCONJ
fsr-3615	260	33	after	after	ADP
fsr-3615	260	34	economic	economic	ADJ
fsr-3615	260	35	shocks	shock	NOUN
fsr-3615	260	36	.	.	PUNCT
fsr-3615	261	1	limitations	limitation	NOUN
fsr-3615	261	2	while	while	SCONJ
fsr-3615	261	3	providing	provide	VERB
fsr-3615	261	4	valuable	valuable	ADJ
fsr-3615	261	5	insights	insight	NOUN
fsr-3615	261	6	,	,	PUNCT
fsr-3615	261	7	this	this	DET
fsr-3615	261	8	study	study	NOUN
fsr-3615	261	9	has	have	VERB
fsr-3615	261	10	some	some	DET
fsr-3615	261	11	limitations	limitation	NOUN
fsr-3615	261	12	.	.	PUNCT
fsr-3615	262	1	primarily	primarily	ADV
fsr-3615	262	2	,	,	PUNCT
fsr-3615	262	3	its	its	PRON
fsr-3615	262	4	cross	cross	ADJ
fsr-3615	262	5	-	-	ADJ
fsr-3615	262	6	sectional	sectional	ADJ
fsr-3615	262	7	design	design	NOUN
fsr-3615	262	8	restricts	restrict	VERB
fsr-3615	262	9	its	its	PRON
fsr-3615	262	10	ability	ability	NOUN
fsr-3615	262	11	to	to	PART
fsr-3615	262	12	capture	capture	VERB
fsr-3615	262	13	the	the	DET
fsr-3615	262	14	dynamic	dynamic	ADJ
fsr-3615	262	15	nature	nature	NOUN
fsr-3615	262	16	of	of	ADP
fsr-3615	262	17	financial	financial	ADJ
fsr-3615	262	18	attitudes	attitude	NOUN
fsr-3615	262	19	and	and	CCONJ
fsr-3615	262	20	behaviors	behavior	NOUN
fsr-3615	262	21	over	over	ADP
fsr-3615	262	22	time	time	NOUN
fsr-3615	262	23	.	.	PUNCT
fsr-3615	263	1	given	give	VERB
fsr-3615	263	2	the	the	DET
fsr-3615	263	3	ever	ever	ADV
fsr-3615	263	4	-	-	PUNCT
fsr-3615	263	5	evolving	evolve	VERB
fsr-3615	263	6	economic	economic	ADJ
fsr-3615	263	7	environment	environment	NOUN
fsr-3615	263	8	,	,	PUNCT
fsr-3615	263	9	understanding	understand	VERB
fsr-3615	263	10	how	how	SCONJ
fsr-3615	263	11	an	an	DET
fsr-3615	263	12	income	income	NOUN
fsr-3615	263	13	drop	drop	NOUN
fsr-3615	263	14	and	and	CCONJ
fsr-3615	263	15	the	the	DET
fsr-3615	263	16	perceived	perceive	VERB
fsr-3615	263	17	lack	lack	NOUN
fsr-3615	263	18	of	of	ADP
fsr-3615	263	19	financial	financial	ADJ
fsr-3615	263	20	control	control	NOUN
fsr-3615	263	21	evolve	evolve	VERB
fsr-3615	263	22	and	and	CCONJ
fsr-3615	263	23	interact	interact	VERB
fsr-3615	263	24	over	over	ADP
fsr-3615	263	25	time	time	NOUN
fsr-3615	263	26	is	be	AUX
fsr-3615	263	27	crucial	crucial	ADJ
fsr-3615	263	28	.	.	PUNCT
fsr-3615	264	1	future	future	ADJ
fsr-3615	264	2	research	research	NOUN
fsr-3615	264	3	could	could	AUX
fsr-3615	264	4	employ	employ	VERB
fsr-3615	264	5	longitudinal	longitudinal	ADJ
fsr-3615	264	6	datasets	dataset	NOUN
fsr-3615	264	7	to	to	PART
fsr-3615	264	8	delve	delve	VERB
fsr-3615	264	9	deeper	deeply	ADV
fsr-3615	264	10	into	into	ADP
fsr-3615	264	11	these	these	DET
fsr-3615	264	12	dynamics	dynamic	NOUN
fsr-3615	264	13	,	,	PUNCT
fsr-3615	264	14	potentially	potentially	ADV
fsr-3615	264	15	uncovering	uncover	VERB
fsr-3615	264	16	causal	causal	ADJ
fsr-3615	264	17	relationships	relationship	NOUN
fsr-3615	264	18	and	and	CCONJ
fsr-3615	264	19	offering	offer	VERB
fsr-3615	264	20	a	a	DET
fsr-3615	264	21	more	more	ADV
fsr-3615	264	22	nuanced	nuanced	ADJ
fsr-3615	264	23	understanding	understanding	NOUN
fsr-3615	264	24	of	of	ADP
fsr-3615	264	25	how	how	SCONJ
fsr-3615	264	26	these	these	DET
fsr-3615	264	27	factors	factor	NOUN
fsr-3615	264	28	influence	influence	VERB
fsr-3615	264	29	households	household	NOUN
fsr-3615	264	30	'	'	PART
fsr-3615	264	31	financial	financial	ADJ
fsr-3615	264	32	decisions	decision	NOUN
fsr-3615	264	33	as	as	ADP
fsr-3615	264	34	economic	economic	ADJ
fsr-3615	264	35	conditions	condition	NOUN
fsr-3615	264	36	fluctuate	fluctuate	NOUN
fsr-3615	264	37	.	.	PUNCT
fsr-3615	265	1	moreover	moreover	ADV
fsr-3615	265	2	,	,	PUNCT
fsr-3615	265	3	the	the	DET
fsr-3615	265	4	study	study	NOUN
fsr-3615	265	5	's	's	PART
fsr-3615	265	6	focus	focus	NOUN
fsr-3615	265	7	could	could	AUX
fsr-3615	265	8	be	be	AUX
fsr-3615	265	9	broadened	broaden	VERB
fsr-3615	265	10	in	in	ADP
fsr-3615	265	11	subsequent	subsequent	ADJ
fsr-3615	265	12	research	research	NOUN
fsr-3615	265	13	to	to	PART
fsr-3615	265	14	encompass	encompass	VERB
fsr-3615	265	15	a	a	DET
fsr-3615	265	16	more	more	ADV
fsr-3615	265	17	diverse	diverse	ADJ
fsr-3615	265	18	range	range	NOUN
fsr-3615	265	19	of	of	ADP
fsr-3615	265	20	factors	factor	NOUN
fsr-3615	265	21	that	that	PRON
fsr-3615	265	22	contribute	contribute	VERB
fsr-3615	265	23	to	to	ADP
fsr-3615	265	24	financial	financial	ADJ
fsr-3615	265	25	well	well	NOUN
fsr-3615	265	26	-	-	PUNCT
fsr-3615	265	27	being	being	NOUN
fsr-3615	265	28	.	.	PUNCT
fsr-3615	266	1	investigating	investigate	VERB
fsr-3615	266	2	various	various	ADJ
fsr-3615	266	3	dimensions	dimension	NOUN
fsr-3615	266	4	of	of	ADP
fsr-3615	266	5	money	money	NOUN
fsr-3615	266	6	attitudes	attitude	NOUN
fsr-3615	266	7	beyond	beyond	ADP
fsr-3615	266	8	the	the	DET
fsr-3615	266	9	scope	scope	NOUN
fsr-3615	266	10	of	of	ADP
fsr-3615	266	11	perceived	perceive	VERB
fsr-3615	266	12	financial	financial	ADJ
fsr-3615	266	13	control	control	NOUN
fsr-3615	266	14	(	(	PUNCT
fsr-3615	266	15	or	or	CCONJ
fsr-3615	266	16	lack	lack	NOUN
fsr-3615	266	17	thereof	thereof	ADV
fsr-3615	266	18	)	)	PUNCT
fsr-3615	266	19	,	,	PUNCT
fsr-3615	266	20	would	would	AUX
fsr-3615	266	21	enrich	enrich	VERB
fsr-3615	266	22	the	the	DET
fsr-3615	266	23	field	field	NOUN
fsr-3615	266	24	’s	’s	PART
fsr-3615	266	25	understanding	understanding	NOUN
fsr-3615	266	26	of	of	ADP
fsr-3615	266	27	the	the	DET
fsr-3615	266	28	mechanisms	mechanism	NOUN
fsr-3615	266	29	at	at	ADP
fsr-3615	266	30	play	play	NOUN
fsr-3615	266	31	in	in	ADP
fsr-3615	266	32	the	the	DET
fsr-3615	266	33	relationship	relationship	NOUN
fsr-3615	266	34	between	between	ADP
fsr-3615	266	35	changes	change	NOUN
fsr-3615	266	36	in	in	ADP
fsr-3615	266	37	household	household	NOUN
fsr-3615	266	38	wealth	wealth	NOUN
fsr-3615	266	39	and	and	CCONJ
fsr-3615	266	40	overall	overall	ADJ
fsr-3615	266	41	financial	financial	ADJ
fsr-3615	266	42	health	health	NOUN
fsr-3615	266	43	.	.	PUNCT
fsr-3615	267	1	additionally	additionally	ADV
fsr-3615	267	2	,	,	PUNCT
fsr-3615	267	3	incorporating	incorporate	VERB
fsr-3615	267	4	variables	variable	NOUN
fsr-3615	267	5	such	such	ADJ
fsr-3615	267	6	as	as	ADP
fsr-3615	267	7	personality	personality	NOUN
fsr-3615	267	8	traits	trait	NOUN
fsr-3615	267	9	,	,	PUNCT
fsr-3615	267	10	community	community	NOUN
fsr-3615	267	11	backgrounds	background	NOUN
fsr-3615	267	12	,	,	PUNCT
fsr-3615	267	13	and	and	CCONJ
fsr-3615	267	14	other	other	ADJ
fsr-3615	267	15	financial	financial	ADJ
fsr-3615	267	16	benchmarks	benchmark	NOUN
fsr-3615	267	17	could	could	AUX
fsr-3615	267	18	offer	offer	VERB
fsr-3615	267	19	a	a	DET
fsr-3615	267	20	more	more	ADV
fsr-3615	267	21	holistic	holistic	ADJ
fsr-3615	267	22	view	view	NOUN
fsr-3615	267	23	of	of	ADP
fsr-3615	267	24	the	the	DET
fsr-3615	267	25	factors	factor	NOUN
fsr-3615	267	26	that	that	PRON
fsr-3615	267	27	shape	shape	VERB
fsr-3615	267	28	households	household	NOUN
fsr-3615	267	29	'	'	PART
fsr-3615	267	30	financial	financial	ADJ
fsr-3615	267	31	decision	decision	NOUN
fsr-3615	267	32	-	-	PUNCT
fsr-3615	267	33	making	make	VERB
fsr-3615	267	34	processes	process	NOUN
fsr-3615	267	35	.	.	PUNCT
fsr-3615	268	1	furthermore	furthermore	ADV
fsr-3615	268	2	,	,	PUNCT
fsr-3615	268	3	the	the	DET
fsr-3615	268	4	study	study	NOUN
fsr-3615	268	5	suggests	suggest	VERB
fsr-3615	268	6	potential	potential	ADJ
fsr-3615	268	7	linkages	linkage	NOUN
fsr-3615	268	8	between	between	ADP
fsr-3615	268	9	perceived	perceive	VERB
fsr-3615	268	10	lack	lack	NOUN
fsr-3615	268	11	of	of	ADP
fsr-3615	268	12	financial	financial	ADJ
fsr-3615	268	13	control	control	NOUN
fsr-3615	268	14	,	,	PUNCT
fsr-3615	268	15	negative	negative	ADJ
fsr-3615	268	16	income	income	NOUN
fsr-3615	268	17	shocks	shock	NOUN
fsr-3615	268	18	,	,	PUNCT
fsr-3615	268	19	and	and	CCONJ
fsr-3615	268	20	debt	debt	NOUN
fsr-3615	268	21	management	management	NOUN
fsr-3615	268	22	.	.	PUNCT
fsr-3615	269	1	however	however	ADV
fsr-3615	269	2	,	,	PUNCT
fsr-3615	269	3	there	there	PRON
fsr-3615	269	4	are	be	VERB
fsr-3615	269	5	additional	additional	ADJ
fsr-3615	269	6	relationships	relationship	NOUN
fsr-3615	269	7	that	that	PRON
fsr-3615	269	8	warrant	warrant	VERB
fsr-3615	269	9	exploration	exploration	NOUN
fsr-3615	269	10	in	in	ADP
fsr-3615	269	11	future	future	ADJ
fsr-3615	269	12	studies	study	NOUN
fsr-3615	269	13	.	.	PUNCT
fsr-3615	270	1	aspects	aspect	NOUN
fsr-3615	270	2	such	such	ADJ
fsr-3615	270	3	as	as	ADP
fsr-3615	270	4	financial	financial	ADJ
fsr-3615	270	5	literacy	literacy	NOUN
fsr-3615	270	6	,	,	PUNCT
fsr-3615	270	7	credit	credit	NOUN
fsr-3615	270	8	management	management	NOUN
fsr-3615	270	9	skills	skill	NOUN
fsr-3615	270	10	,	,	PUNCT
fsr-3615	270	11	and	and	CCONJ
fsr-3615	270	12	the	the	DET
fsr-3615	270	13	role	role	NOUN
fsr-3615	270	14	of	of	ADP
fsr-3615	270	15	financial	financial	ADJ
fsr-3615	270	16	education	education	NOUN
fsr-3615	270	17	(	(	PUNCT
fsr-3615	270	18	lusardi	lusardi	PROPN
fsr-3615	270	19	&	&	CCONJ
fsr-3615	270	20	mitchell	mitchell	PROPN
fsr-3615	270	21	,	,	PUNCT
fsr-3615	270	22	2013	2013	NUM
fsr-3615	270	23	;	;	PUNCT
fsr-3615	270	24	xiao	xiao	PROPN
fsr-3615	270	25	et	et	PROPN
fsr-3615	270	26	al	al	PROPN
fsr-3615	270	27	.	.	PROPN
fsr-3615	270	28	,	,	PUNCT
fsr-3615	270	29	2022	2022	NUM
fsr-3615	270	30	)	)	PUNCT
fsr-3615	270	31	,	,	PUNCT
fsr-3615	270	32	could	could	AUX
fsr-3615	270	33	provide	provide	VERB
fsr-3615	270	34	further	further	ADJ
fsr-3615	270	35	insights	insight	NOUN
fsr-3615	270	36	.	.	PUNCT
fsr-3615	271	1	understanding	understand	VERB
fsr-3615	271	2	these	these	DET
fsr-3615	271	3	connections	connection	NOUN
fsr-3615	271	4	could	could	AUX
fsr-3615	271	5	be	be	AUX
fsr-3615	271	6	instrumental	instrumental	ADJ
fsr-3615	271	7	in	in	ADP
fsr-3615	271	8	developing	develop	VERB
fsr-3615	271	9	more	more	ADV
fsr-3615	271	10	effective	effective	ADJ
fsr-3615	271	11	strategies	strategy	NOUN
fsr-3615	271	12	for	for	ADP
fsr-3615	271	13	improving	improve	VERB
fsr-3615	271	14	financial	financial	ADJ
fsr-3615	271	15	well	well	NOUN
fsr-3615	271	16	-	-	PUNCT
fsr-3615	271	17	being	being	NOUN
fsr-3615	271	18	and	and	CCONJ
fsr-3615	271	19	resilience	resilience	NOUN
fsr-3615	271	20	among	among	ADP
fsr-3615	271	21	households	household	NOUN
fsr-3615	271	22	.	.	PUNCT
fsr-3615	272	1	in	in	ADP
fsr-3615	272	2	conclusion	conclusion	NOUN
fsr-3615	272	3	,	,	PUNCT
fsr-3615	272	4	while	while	SCONJ
fsr-3615	272	5	this	this	DET
fsr-3615	272	6	study	study	NOUN
fsr-3615	272	7	contributes	contribute	VERB
fsr-3615	272	8	significantly	significantly	ADV
fsr-3615	272	9	to	to	ADP
fsr-3615	272	10	our	our	PRON
fsr-3615	272	11	understanding	understanding	NOUN
fsr-3615	272	12	of	of	ADP
fsr-3615	272	13	financial	financial	ADJ
fsr-3615	272	14	behavior	behavior	NOUN
fsr-3615	272	15	during	during	ADP
fsr-3615	272	16	economic	economic	ADJ
fsr-3615	272	17	downturns	downturn	NOUN
fsr-3615	272	18	,	,	PUNCT
fsr-3615	272	19	it	it	PRON
fsr-3615	272	20	also	also	ADV
fsr-3615	272	21	opens	open	VERB
fsr-3615	272	22	avenues	avenue	NOUN
fsr-3615	272	23	for	for	ADP
fsr-3615	272	24	more	more	ADV
fsr-3615	272	25	comprehensive	comprehensive	ADJ
fsr-3615	272	26	future	future	ADJ
fsr-3615	272	27	research	research	NOUN
fsr-3615	272	28	.	.	PUNCT
fsr-3615	273	1	such	such	ADJ
fsr-3615	273	2	research	research	NOUN
fsr-3615	273	3	could	could	AUX
fsr-3615	273	4	ultimately	ultimately	ADV
fsr-3615	273	5	aid	aid	VERB
fsr-3615	273	6	in	in	ADP
fsr-3615	273	7	the	the	DET
fsr-3615	273	8	development	development	NOUN
fsr-3615	273	9	of	of	ADP
fsr-3615	273	10	targeted	target	VERB
fsr-3615	273	11	policies	policy	NOUN
fsr-3615	273	12	and	and	CCONJ
fsr-3615	273	13	interventions	intervention	NOUN
fsr-3615	273	14	to	to	PART
fsr-3615	273	15	enhance	enhance	VERB
fsr-3615	273	16	financial	financial	ADJ
fsr-3615	273	17	stability	stability	NOUN
fsr-3615	273	18	and	and	CCONJ
fsr-3615	273	19	preparedness	preparedness	NOUN
fsr-3615	273	20	among	among	ADP
fsr-3615	273	21	households	household	NOUN
fsr-3615	273	22	facing	face	VERB
fsr-3615	273	23	economic	economic	ADJ
fsr-3615	273	24	uncertainties	uncertainty	NOUN
fsr-3615	273	25	.	.	PUNCT
fsr-3615	274	1	conclusion	conclusion	NOUN
fsr-3615	274	2	the	the	DET
fsr-3615	274	3	labor	labor	NOUN
fsr-3615	274	4	market	market	NOUN
fsr-3615	274	5	disruptions	disruption	NOUN
fsr-3615	274	6	caused	cause	VERB
fsr-3615	274	7	by	by	ADP
fsr-3615	274	8	the	the	DET
fsr-3615	274	9	covid-19	covid-19	PROPN
fsr-3615	274	10	pandemic	pandemic	NOUN
fsr-3615	274	11	led	lead	VERB
fsr-3615	274	12	to	to	PART
fsr-3615	274	13	rapid	rapid	ADJ
fsr-3615	274	14	and	and	CCONJ
fsr-3615	274	15	significant	significant	ADJ
fsr-3615	274	16	increases	increase	NOUN
fsr-3615	274	17	in	in	ADP
fsr-3615	274	18	the	the	DET
fsr-3615	274	19	unemployment	unemployment	NOUN
fsr-3615	274	20	rate	rate	NOUN
fsr-3615	274	21	,	,	PUNCT
fsr-3615	274	22	mirroring	mirror	VERB
fsr-3615	274	23	other	other	ADJ
fsr-3615	274	24	historical	historical	ADJ
fsr-3615	274	25	labor	labor	NOUN
fsr-3615	274	26	market	market	NOUN
fsr-3615	274	27	shocks	shock	NOUN
fsr-3615	274	28	like	like	ADP
fsr-3615	274	29	the	the	DET
fsr-3615	274	30	great	great	ADJ
fsr-3615	274	31	recession	recession	NOUN
fsr-3615	274	32	.	.	PUNCT
fsr-3615	275	1	however	however	ADV
fsr-3615	275	2	,	,	PUNCT
fsr-3615	275	3	our	our	PRON
fsr-3615	275	4	study	study	NOUN
fsr-3615	275	5	extends	extend	VERB
fsr-3615	275	6	beyond	beyond	ADP
fsr-3615	275	7	merely	merely	ADV
fsr-3615	275	8	recognizing	recognize	VERB
fsr-3615	275	9	these	these	DET
fsr-3615	275	10	economic	economic	ADJ
fsr-3615	275	11	upheavals	upheaval	NOUN
fsr-3615	275	12	.	.	PUNCT
fsr-3615	276	1	it	it	PRON
fsr-3615	276	2	delves	delve	VERB
fsr-3615	276	3	into	into	ADP
fsr-3615	276	4	the	the	DET
fsr-3615	276	5	complex	complex	ADJ
fsr-3615	276	6	relationship	relationship	NOUN
fsr-3615	276	7	between	between	ADP
fsr-3615	276	8	negative	negative	ADJ
fsr-3615	276	9	income	income	NOUN
fsr-3615	276	10	shocks	shock	NOUN
fsr-3615	276	11	,	,	PUNCT
fsr-3615	276	12	perceived	perceive	VERB
fsr-3615	276	13	lack	lack	NOUN
fsr-3615	276	14	of	of	ADP
fsr-3615	276	15	financial	financial	ADJ
fsr-3615	276	16	control	control	NOUN
fsr-3615	276	17	,	,	PUNCT
fsr-3615	276	18	and	and	CCONJ
fsr-3615	276	19	the	the	DET
fsr-3615	276	20	subsequent	subsequent	ADJ
fsr-3615	276	21	use	use	NOUN
fsr-3615	276	22	of	of	ADP
fsr-3615	276	23	stimulus	stimulus	ADJ
fsr-3615	276	24	checks	check	NOUN
fsr-3615	276	25	for	for	ADP
fsr-3615	276	26	debt	debt	NOUN
fsr-3615	276	27	payments	payment	NOUN
fsr-3615	276	28	.	.	PUNCT
fsr-3615	277	1	our	our	PRON
fsr-3615	277	2	findings	finding	NOUN
fsr-3615	277	3	indicate	indicate	VERB
fsr-3615	277	4	a	a	DET
fsr-3615	277	5	notable	notable	ADJ
fsr-3615	277	6	positive	positive	ADJ
fsr-3615	277	7	correlation	correlation	NOUN
fsr-3615	277	8	between	between	ADP
fsr-3615	277	9	a	a	DET
fsr-3615	277	10	decrease	decrease	NOUN
fsr-3615	277	11	in	in	ADP
fsr-3615	277	12	income	income	NOUN
fsr-3615	277	13	and	and	CCONJ
fsr-3615	277	14	stronger	strong	ADJ
fsr-3615	277	15	perceived	perceive	VERB
fsr-3615	277	16	lack	lack	NOUN
fsr-3615	277	17	of	of	ADP
fsr-3615	277	18	ouyang	ouyang	PROPN
fsr-3615	277	19	et	et	PROPN
fsr-3615	277	20	al	al	PROPN
fsr-3615	277	21	.	.	PROPN
fsr-3615	277	22	17	17	NUM
fsr-3615	277	23	financial	financial	ADJ
fsr-3615	277	24	control	control	NOUN
fsr-3615	277	25	,	,	PUNCT
fsr-3615	277	26	which	which	PRON
fsr-3615	277	27	in	in	ADP
fsr-3615	277	28	turn	turn	NOUN
fsr-3615	277	29	correlates	correlate	VERB
fsr-3615	277	30	with	with	ADP
fsr-3615	277	31	a	a	DET
fsr-3615	277	32	higher	high	ADJ
fsr-3615	277	33	likelihood	likelihood	NOUN
fsr-3615	277	34	of	of	ADP
fsr-3615	277	35	using	use	VERB
fsr-3615	277	36	stimulus	stimulus	ADJ
fsr-3615	277	37	checks	check	NOUN
fsr-3615	277	38	to	to	PART
fsr-3615	277	39	manage	manage	VERB
fsr-3615	277	40	debt	debt	NOUN
fsr-3615	277	41	obligations	obligation	NOUN
fsr-3615	277	42	.	.	PUNCT
fsr-3615	278	1	this	this	DET
fsr-3615	278	2	study	study	NOUN
fsr-3615	278	3	highlights	highlight	VERB
fsr-3615	278	4	a	a	DET
fsr-3615	278	5	critical	critical	ADJ
fsr-3615	278	6	aspect	aspect	NOUN
fsr-3615	278	7	of	of	ADP
fsr-3615	278	8	financial	financial	ADJ
fsr-3615	278	9	behavior	behavior	NOUN
fsr-3615	278	10	during	during	ADP
fsr-3615	278	11	times	time	NOUN
fsr-3615	278	12	of	of	ADP
fsr-3615	278	13	economic	economic	ADJ
fsr-3615	278	14	distress	distress	NOUN
fsr-3615	278	15	.	.	PUNCT
fsr-3615	279	1	when	when	SCONJ
fsr-3615	279	2	households	household	NOUN
fsr-3615	279	3	allocate	allocate	VERB
fsr-3615	279	4	a	a	DET
fsr-3615	279	5	substantial	substantial	ADJ
fsr-3615	279	6	portion	portion	NOUN
fsr-3615	279	7	of	of	ADP
fsr-3615	279	8	their	their	PRON
fsr-3615	279	9	resources	resource	NOUN
fsr-3615	279	10	to	to	ADP
fsr-3615	279	11	financial	financial	ADJ
fsr-3615	279	12	commitments	commitment	NOUN
fsr-3615	279	13	,	,	PUNCT
fsr-3615	279	14	their	their	PRON
fsr-3615	279	15	capacity	capacity	NOUN
fsr-3615	279	16	to	to	PART
fsr-3615	279	17	handle	handle	VERB
fsr-3615	279	18	unforeseen	unforeseen	ADJ
fsr-3615	279	19	economic	economic	ADJ
fsr-3615	279	20	shocks	shock	NOUN
fsr-3615	279	21	diminishes	diminish	VERB
fsr-3615	279	22	significantly	significantly	ADV
fsr-3615	279	23	.	.	PUNCT
fsr-3615	280	1	this	this	DET
fsr-3615	280	2	situation	situation	NOUN
fsr-3615	280	3	was	be	AUX
fsr-3615	280	4	evident	evident	ADJ
fsr-3615	280	5	during	during	ADP
fsr-3615	280	6	the	the	DET
fsr-3615	280	7	covid-19	covid-19	PROPN
fsr-3615	280	8	pandemic	pandemic	NOUN
fsr-3615	280	9	,	,	PUNCT
fsr-3615	280	10	where	where	SCONJ
fsr-3615	280	11	many	many	ADJ
fsr-3615	280	12	americans	americans	PROPN
fsr-3615	280	13	found	find	VERB
fsr-3615	280	14	themselves	themselves	PRON
fsr-3615	280	15	unprepared	unprepared	ADJ
fsr-3615	280	16	for	for	ADP
fsr-3615	280	17	such	such	ADJ
fsr-3615	280	18	abrupt	abrupt	ADJ
fsr-3615	280	19	and	and	CCONJ
fsr-3615	280	20	severe	severe	ADJ
fsr-3615	280	21	financial	financial	ADJ
fsr-3615	280	22	challenges	challenge	NOUN
fsr-3615	280	23	.	.	PUNCT
fsr-3615	281	1	our	our	PRON
fsr-3615	281	2	results	result	NOUN
fsr-3615	281	3	suggest	suggest	VERB
fsr-3615	281	4	the	the	DET
fsr-3615	281	5	necessity	necessity	NOUN
fsr-3615	281	6	for	for	ADP
fsr-3615	281	7	improved	improved	ADJ
fsr-3615	281	8	financial	financial	ADJ
fsr-3615	281	9	resilience	resilience	NOUN
fsr-3615	281	10	among	among	ADP
fsr-3615	281	11	the	the	DET
fsr-3615	281	12	population	population	NOUN
fsr-3615	281	13	.	.	PUNCT
fsr-3615	282	1	by	by	ADP
fsr-3615	282	2	fostering	foster	VERB
fsr-3615	282	3	greater	great	ADJ
fsr-3615	282	4	financial	financial	ADJ
fsr-3615	282	5	capability	capability	NOUN
fsr-3615	282	6	and	and	CCONJ
fsr-3615	282	7	promoting	promote	VERB
fsr-3615	282	8	strategies	strategy	NOUN
fsr-3615	282	9	for	for	ADP
fsr-3615	282	10	financial	financial	ADJ
fsr-3615	282	11	management	management	NOUN
fsr-3615	282	12	,	,	PUNCT
fsr-3615	282	13	households	household	NOUN
fsr-3615	282	14	can	can	AUX
fsr-3615	282	15	be	be	AUX
fsr-3615	282	16	better	well	ADV
fsr-3615	282	17	equipped	equip	VERB
fsr-3615	282	18	to	to	PART
fsr-3615	282	19	handle	handle	VERB
fsr-3615	282	20	future	future	ADJ
fsr-3615	282	21	economic	economic	ADJ
fsr-3615	282	22	uncertainties	uncertainty	NOUN
fsr-3615	282	23	and	and	CCONJ
fsr-3615	282	24	shocks	shock	NOUN
fsr-3615	282	25	.	.	PUNCT
fsr-3615	283	1	furthermore	furthermore	ADV
fsr-3615	283	2	,	,	PUNCT
fsr-3615	283	3	these	these	DET
fsr-3615	283	4	findings	finding	NOUN
fsr-3615	283	5	have	have	VERB
fsr-3615	283	6	broader	broad	ADJ
fsr-3615	283	7	implications	implication	NOUN
fsr-3615	283	8	for	for	ADP
fsr-3615	283	9	policymaking	policymake	VERB
fsr-3615	283	10	.	.	PUNCT
fsr-3615	284	1	they	they	PRON
fsr-3615	284	2	underscore	underscore	VERB
fsr-3615	284	3	the	the	DET
fsr-3615	284	4	importance	importance	NOUN
fsr-3615	284	5	of	of	ADP
fsr-3615	284	6	measures	measure	NOUN
fsr-3615	284	7	aimed	aim	VERB
fsr-3615	284	8	at	at	ADP
fsr-3615	284	9	enhancing	enhance	VERB
fsr-3615	284	10	financial	financial	ADJ
fsr-3615	284	11	capability	capability	NOUN
fsr-3615	284	12	and	and	CCONJ
fsr-3615	284	13	providing	provide	VERB
fsr-3615	284	14	tools	tool	NOUN
fsr-3615	284	15	for	for	ADP
fsr-3615	284	16	effective	effective	ADJ
fsr-3615	284	17	financial	financial	ADJ
fsr-3615	284	18	planning	planning	NOUN
fsr-3615	284	19	.	.	PUNCT
fsr-3615	285	1	such	such	ADJ
fsr-3615	285	2	initiatives	initiative	NOUN
fsr-3615	285	3	could	could	AUX
fsr-3615	285	4	play	play	VERB
fsr-3615	285	5	a	a	DET
fsr-3615	285	6	pivotal	pivotal	ADJ
fsr-3615	285	7	role	role	NOUN
fsr-3615	285	8	in	in	ADP
fsr-3615	285	9	mitigating	mitigate	VERB
fsr-3615	285	10	the	the	DET
fsr-3615	285	11	adverse	adverse	ADJ
fsr-3615	285	12	effects	effect	NOUN
fsr-3615	285	13	of	of	ADP
fsr-3615	285	14	future	future	ADJ
fsr-3615	285	15	labor	labor	NOUN
fsr-3615	285	16	market	market	NOUN
fsr-3615	285	17	shocks	shock	NOUN
fsr-3615	285	18	.	.	PUNCT
fsr-3615	286	1	in	in	ADP
fsr-3615	286	2	conclusion	conclusion	NOUN
fsr-3615	286	3	,	,	PUNCT
fsr-3615	286	4	this	this	DET
fsr-3615	286	5	study	study	NOUN
fsr-3615	286	6	not	not	PART
fsr-3615	286	7	only	only	ADV
fsr-3615	286	8	sheds	shed	VERB
fsr-3615	286	9	light	light	NOUN
fsr-3615	286	10	on	on	ADP
fsr-3615	286	11	the	the	DET
fsr-3615	286	12	behavioral	behavioral	ADJ
fsr-3615	286	13	responses	response	NOUN
fsr-3615	286	14	to	to	ADP
fsr-3615	286	15	the	the	DET
fsr-3615	286	16	recent	recent	ADJ
fsr-3615	286	17	pandemic	pandemic	ADJ
fsr-3615	286	18	but	but	CCONJ
fsr-3615	286	19	also	also	ADV
fsr-3615	286	20	offers	offer	VERB
fsr-3615	286	21	valuable	valuable	ADJ
fsr-3615	286	22	insights	insight	NOUN
fsr-3615	286	23	for	for	ADP
fsr-3615	286	24	preparing	prepare	VERB
fsr-3615	286	25	more	more	ADV
fsr-3615	286	26	resilient	resilient	ADJ
fsr-3615	286	27	financial	financial	ADJ
fsr-3615	286	28	strategies	strategy	NOUN
fsr-3615	286	29	to	to	PART
fsr-3615	286	30	withstand	withstand	VERB
fsr-3615	286	31	future	future	ADJ
fsr-3615	286	32	economic	economic	ADJ
fsr-3615	286	33	challenges	challenge	NOUN
fsr-3615	286	34	.	.	PUNCT
fsr-3615	287	1	references	reference	NOUN
fsr-3615	287	2	abdelrahman	abdelrahman	PROPN
fsr-3615	287	3	,	,	PUNCT
fsr-3615	287	4	h.	h.	PROPN
fsr-3615	287	5	,	,	PUNCT
fsr-3615	287	6	&	&	CCONJ
fsr-3615	287	7	oliveira	oliveira	PROPN
fsr-3615	287	8	,	,	PUNCT
fsr-3615	287	9	l.	l.	PROPN
fsr-3615	287	10	e.	e.	PROPN
fsr-3615	287	11	(	(	PUNCT
fsr-3615	287	12	2023	2023	NUM
fsr-3615	287	13	)	)	PUNCT
fsr-3615	287	14	.	.	PUNCT
fsr-3615	288	1	the	the	DET
fsr-3615	288	2	rise	rise	NOUN
fsr-3615	288	3	and	and	CCONJ
fsr-3615	288	4	fall	fall	NOUN
fsr-3615	288	5	of	of	ADP
fsr-3615	288	6	pandemic	pandemic	ADJ
fsr-3615	288	7	excess	excess	ADJ
fsr-3615	288	8	savings	saving	NOUN
fsr-3615	288	9	.	.	PUNCT
fsr-3615	289	1	frbsf	frbsf	ADJ
fsr-3615	289	2	economic	economic	ADJ
fsr-3615	289	3	letter	letter	NOUN
fsr-3615	289	4	,	,	PUNCT
fsr-3615	289	5	11	11	NUM
fsr-3615	289	6	.	.	PUNCT
fsr-3615	289	7	amadeo	amadeo	PROPN
fsr-3615	289	8	,	,	PUNCT
fsr-3615	289	9	k.	k.	PROPN
fsr-3615	289	10	(	(	PUNCT
fsr-3615	289	11	2021	2021	NUM
fsr-3615	289	12	,	,	PUNCT
fsr-3615	289	13	october	october	PROPN
fsr-3615	289	14	24	24	NUM
fsr-3615	289	15	)	)	PUNCT
fsr-3615	289	16	.	.	PUNCT
fsr-3615	290	1	stimulus	stimulus	ADJ
fsr-3615	290	2	checks	check	NOUN
fsr-3615	290	3	:	:	PUNCT
fsr-3615	290	4	2020	2020	NUM
fsr-3615	290	5	compared	compare	VERB
fsr-3615	290	6	to	to	ADP
fsr-3615	290	7	2009	2009	NUM
fsr-3615	290	8	and	and	CCONJ
fsr-3615	290	9	2008	2008	NUM
fsr-3615	290	10	.	.	PUNCT
fsr-3615	291	1	the	the	DET
fsr-3615	291	2	balance	balance	NOUN
fsr-3615	291	3	.	.	PUNCT
fsr-3615	292	1	https://www.thebalance.com/stimuluschecks-3305750	https://www.thebalance.com/stimuluschecks-3305750	X
fsr-3615	292	2	.	.	PUNCT
fsr-3615	292	3	amromin	amromin	PROPN
fsr-3615	292	4	,	,	PUNCT
fsr-3615	292	5	g.	g.	PROPN
fsr-3615	292	6	,	,	PUNCT
fsr-3615	292	7	&	&	CCONJ
fsr-3615	292	8	smith	smith	PROPN
fsr-3615	292	9	,	,	PUNCT
fsr-3615	292	10	p.	p.	PROPN
fsr-3615	292	11	(	(	PUNCT
fsr-3615	292	12	2003	2003	NUM
fsr-3615	292	13	)	)	PUNCT
fsr-3615	292	14	.	.	PUNCT
fsr-3615	293	1	what	what	PRON
fsr-3615	293	2	explains	explain	VERB
fsr-3615	293	3	early	early	ADJ
fsr-3615	293	4	withdrawals	withdrawal	NOUN
fsr-3615	293	5	from	from	ADP
fsr-3615	293	6	retirement	retirement	NOUN
fsr-3615	293	7	accounts	account	NOUN
fsr-3615	293	8	?	?	PUNCT
fsr-3615	294	1	evidence	evidence	NOUN
fsr-3615	294	2	from	from	ADP
fsr-3615	294	3	a	a	DET
fsr-3615	294	4	panel	panel	NOUN
fsr-3615	294	5	of	of	ADP
fsr-3615	294	6	taxpayers	taxpayer	NOUN
fsr-3615	294	7	.	.	PUNCT
fsr-3615	295	1	national	national	ADJ
fsr-3615	295	2	tax	tax	PROPN
fsr-3615	295	3	journal	journal	PROPN
fsr-3615	295	4	,	,	PUNCT
fsr-3615	295	5	56(3	56(3	NOUN
fsr-3615	295	6	)	)	PUNCT
fsr-3615	295	7	,	,	PUNCT
fsr-3615	295	8	595	595	NUM
fsr-3615	295	9	-	-	PUNCT
fsr-3615	295	10	612	612	NUM
fsr-3615	295	11	.	.	PUNCT
fsr-3615	296	1	argento	argento	PROPN
fsr-3615	296	2	,	,	PUNCT
fsr-3615	296	3	r.	r.	PROPN
fsr-3615	296	4	,	,	PUNCT
fsr-3615	296	5	bryant	bryant	PROPN
fsr-3615	296	6	,	,	PUNCT
fsr-3615	296	7	v.	v.	PROPN
fsr-3615	296	8	l.	l.	PROPN
fsr-3615	296	9	,	,	PUNCT
fsr-3615	296	10	&	&	CCONJ
fsr-3615	296	11	sabelhaus	sabelhaus	PROPN
fsr-3615	296	12	,	,	PUNCT
fsr-3615	296	13	j.	j.	PROPN
fsr-3615	296	14	(	(	PUNCT
fsr-3615	296	15	2015	2015	NUM
fsr-3615	296	16	)	)	PUNCT
fsr-3615	296	17	.	.	PUNCT
fsr-3615	297	1	early	early	ADJ
fsr-3615	297	2	withdrawals	withdrawal	NOUN
fsr-3615	297	3	from	from	ADP
fsr-3615	297	4	retirement	retirement	NOUN
fsr-3615	297	5	accounts	account	NOUN
fsr-3615	297	6	during	during	ADP
fsr-3615	297	7	the	the	DET
fsr-3615	297	8	great	great	ADJ
fsr-3615	297	9	recession	recession	NOUN
fsr-3615	297	10	.	.	PUNCT
fsr-3615	298	1	contemporary	contemporary	ADJ
fsr-3615	298	2	economic	economic	ADJ
fsr-3615	298	3	policy	policy	NOUN
fsr-3615	298	4	,	,	PUNCT
fsr-3615	298	5	33(1	33(1	NUM
fsr-3615	298	6	)	)	PUNCT
fsr-3615	298	7	,	,	PUNCT
fsr-3615	298	8	1	1	NUM
fsr-3615	298	9	-	-	SYM
fsr-3615	298	10	16	16	NUM
fsr-3615	298	11	.	.	PUNCT
fsr-3615	299	1	armantier	armantier	PROPN
fsr-3615	299	2	,	,	PUNCT
fsr-3615	299	3	o.	o.	PROPN
fsr-3615	299	4	,	,	PUNCT
fsr-3615	299	5	goldman	goldman	PROPN
fsr-3615	299	6	,	,	PUNCT
fsr-3615	299	7	l.	l.	PROPN
fsr-3615	299	8	,	,	PUNCT
fsr-3615	299	9	koşar	koşar	PROPN
fsr-3615	299	10	,	,	PUNCT
fsr-3615	299	11	g.	g.	PROPN
fsr-3615	299	12	,	,	PUNCT
fsr-3615	299	13	lu	lu	PROPN
fsr-3615	299	14	,	,	PUNCT
fsr-3615	299	15	j.	j.	PROPN
fsr-3615	299	16	,	,	PUNCT
fsr-3615	299	17	pomerantz	pomerantz	NOUN
fsr-3615	299	18	,	,	PUNCT
fsr-3615	299	19	r.	r.	PROPN
fsr-3615	299	20	,	,	PUNCT
fsr-3615	299	21	&	&	CCONJ
fsr-3615	299	22	van	van	PROPN
fsr-3615	299	23	der	der	PROPN
fsr-3615	299	24	klaauw	klaauw	PROPN
fsr-3615	299	25	,	,	PUNCT
fsr-3615	299	26	w.	w.	NOUN
fsr-3615	299	27	(	(	PUNCT
fsr-3615	299	28	2021	2021	NUM
fsr-3615	299	29	)	)	PUNCT
fsr-3615	299	30	.	.	PUNCT
fsr-3615	300	1	how	how	SCONJ
fsr-3615	300	2	have	have	AUX
fsr-3615	300	3	households	household	NOUN
fsr-3615	300	4	used	use	VERB
fsr-3615	300	5	their	their	PRON
fsr-3615	300	6	stimulus	stimulus	ADJ
fsr-3615	300	7	payments	payment	NOUN
fsr-3615	300	8	and	and	CCONJ
fsr-3615	300	9	how	how	SCONJ
fsr-3615	300	10	would	would	AUX
fsr-3615	300	11	they	they	PRON
fsr-3615	300	12	spend	spend	VERB
fsr-3615	300	13	the	the	DET
fsr-3615	300	14	next	next	ADJ
fsr-3615	300	15	?	?	PUNCT
fsr-3615	301	1	liberty	liberty	NOUN
fsr-3615	301	2	street	street	PROPN
fsr-3615	301	3	economics	economic	NOUN
fsr-3615	301	4	.	.	PUNCT
fsr-3615	302	1	https://libertystreeteconomics.newyorkfe	https://libertystreeteconomics.newyorkfe	PROPN
fsr-3615	302	2	d.org/2021/04/an-update-on-howhouseholds-are-using-stimulus-checks/	d.org/2021/04/an-update-on-howhouseholds-are-using-stimulus-checks/	PROPN
fsr-3615	302	3	baker	baker	PROPN
fsr-3615	302	4	,	,	PUNCT
fsr-3615	302	5	s.	s.	PROPN
fsr-3615	302	6	r.	r.	PROPN
fsr-3615	302	7	(	(	PUNCT
fsr-3615	302	8	2015	2015	NUM
fsr-3615	302	9	)	)	PUNCT
fsr-3615	302	10	.	.	PUNCT
fsr-3615	303	1	debt	debt	NOUN
fsr-3615	303	2	and	and	CCONJ
fsr-3615	303	3	the	the	DET
fsr-3615	303	4	consumption	consumption	NOUN
fsr-3615	303	5	response	response	NOUN
fsr-3615	303	6	to	to	ADP
fsr-3615	303	7	household	household	NOUN
fsr-3615	303	8	income	income	NOUN
fsr-3615	303	9	shocks	shock	NOUN
fsr-3615	303	10	(	(	PUNCT
fsr-3615	303	11	vol	vol	NOUN
fsr-3615	303	12	.	.	PUNCT
fsr-3615	303	13	2541142	2541142	NUM
fsr-3615	303	14	)	)	PUNCT
fsr-3615	303	15	.	.	PUNCT
fsr-3615	304	1	ssrn	ssrn	PROPN
fsr-3615	304	2	.	.	PUNCT
fsr-3615	305	1	baker	baker	PROPN
fsr-3615	305	2	,	,	PUNCT
fsr-3615	305	3	s.	s.	PROPN
fsr-3615	305	4	r.	r.	PROPN
fsr-3615	305	5	,	,	PUNCT
fsr-3615	305	6	&	&	CCONJ
fsr-3615	305	7	yannelis	yannelis	PROPN
fsr-3615	305	8	,	,	PUNCT
fsr-3615	305	9	c.	c.	PROPN
fsr-3615	305	10	(	(	PUNCT
fsr-3615	305	11	2017	2017	NUM
fsr-3615	305	12	)	)	PUNCT
fsr-3615	305	13	.	.	PUNCT
fsr-3615	306	1	income	income	NOUN
fsr-3615	306	2	changes	change	NOUN
fsr-3615	306	3	and	and	CCONJ
fsr-3615	306	4	consumption	consumption	NOUN
fsr-3615	306	5	:	:	PUNCT
fsr-3615	306	6	evidence	evidence	NOUN
fsr-3615	306	7	from	from	ADP
fsr-3615	306	8	the	the	DET
fsr-3615	306	9	2013	2013	NUM
fsr-3615	306	10	federal	federal	ADJ
fsr-3615	306	11	government	government	NOUN
fsr-3615	306	12	shutdown	shutdown	NOUN
fsr-3615	306	13	.	.	PUNCT
fsr-3615	307	1	review	review	NOUN
fsr-3615	307	2	of	of	ADP
fsr-3615	307	3	economic	economic	ADJ
fsr-3615	307	4	dynamics	dynamic	NOUN
fsr-3615	307	5	,	,	PUNCT
fsr-3615	307	6	23	23	NUM
fsr-3615	307	7	,	,	PUNCT
fsr-3615	307	8	99	99	NUM
fsr-3615	307	9	-	-	SYM
fsr-3615	307	10	124	124	NUM
fsr-3615	307	11	.	.	PUNCT
fsr-3615	308	1	baum	baum	PROPN
fsr-3615	308	2	,	,	PUNCT
fsr-3615	308	3	a.	a.	PROPN
fsr-3615	308	4	,	,	PUNCT
fsr-3615	308	5	fleming	fleming	PROPN
fsr-3615	308	6	,	,	PUNCT
fsr-3615	308	7	r.	r.	PROPN
fsr-3615	308	8	,	,	PUNCT
fsr-3615	308	9	&	&	CCONJ
fsr-3615	308	10	reddy	reddy	PROPN
fsr-3615	308	11	,	,	PUNCT
fsr-3615	308	12	d.	d.	PROPN
fsr-3615	308	13	m.	m.	PROPN
fsr-3615	308	14	(	(	PUNCT
fsr-3615	308	15	1986	1986	NUM
fsr-3615	308	16	)	)	PUNCT
fsr-3615	308	17	.	.	PUNCT
fsr-3615	309	1	unemployment	unemployment	NOUN
fsr-3615	309	2	stress	stress	NOUN
fsr-3615	309	3	:	:	PUNCT
fsr-3615	309	4	loss	loss	NOUN
fsr-3615	309	5	of	of	ADP
fsr-3615	309	6	control	control	NOUN
fsr-3615	309	7	,	,	PUNCT
fsr-3615	309	8	reactance	reactance	NOUN
fsr-3615	309	9	and	and	CCONJ
fsr-3615	309	10	learned	learn	VERB
fsr-3615	309	11	helplessness	helplessness	NOUN
fsr-3615	309	12	.	.	PUNCT
fsr-3615	310	1	social	social	ADJ
fsr-3615	310	2	science	science	PROPN
fsr-3615	310	3	&	&	CCONJ
fsr-3615	310	4	medicine	medicine	NOUN
fsr-3615	310	5	,	,	PUNCT
fsr-3615	310	6	22(5	22(5	NOUN
fsr-3615	310	7	)	)	PUNCT
fsr-3615	310	8	,	,	PUNCT
fsr-3615	310	9	509	509	NUM
fsr-3615	310	10	-	-	SYM
fsr-3615	310	11	516	516	NUM
fsr-3615	310	12	.	.	PUNCT
fsr-3615	311	1	berger	berger	PROPN
fsr-3615	311	2	,	,	PUNCT
fsr-3615	311	3	l.	l.	PROPN
fsr-3615	311	4	m.	m.	PROPN
fsr-3615	311	5	,	,	PUNCT
fsr-3615	311	6	&	&	CCONJ
fsr-3615	311	7	houle	houle	PROPN
fsr-3615	311	8	,	,	PUNCT
fsr-3615	311	9	j.	j.	PROPN
fsr-3615	311	10	n.	n.	PROPN
fsr-3615	311	11	(	(	PUNCT
fsr-3615	311	12	2019	2019	NUM
fsr-3615	311	13	)	)	PUNCT
fsr-3615	311	14	.	.	PUNCT
fsr-3615	312	1	rising	rise	VERB
fsr-3615	312	2	household	household	NOUN
fsr-3615	312	3	debt	debt	NOUN
fsr-3615	312	4	and	and	CCONJ
fsr-3615	312	5	children	child	NOUN
fsr-3615	312	6	’s	’s	PART
fsr-3615	312	7	socioemotional	socioemotional	ADJ
fsr-3615	312	8	well	well	ADV
fsr-3615	312	9	-	-	PUNCT
fsr-3615	312	10	being	being	NOUN
fsr-3615	312	11	trajectories	trajectory	NOUN
fsr-3615	312	12	.	.	PUNCT
fsr-3615	313	1	demography	demography	NOUN
fsr-3615	313	2	,	,	PUNCT
fsr-3615	313	3	56(4	56(4	NOUN
fsr-3615	313	4	)	)	PUNCT
fsr-3615	313	5	,	,	PUNCT
fsr-3615	313	6	12731301	12731301	NUM
fsr-3615	313	7	.	.	PUNCT
fsr-3615	314	1	bierman	bierman	PROPN
fsr-3615	314	2	,	,	PUNCT
fsr-3615	314	3	a.	a.	PROPN
fsr-3615	314	4	,	,	PUNCT
fsr-3615	314	5	upenieks	upenieks	PROPN
fsr-3615	314	6	,	,	PUNCT
fsr-3615	314	7	l.	l.	PROPN
fsr-3615	314	8	,	,	PUNCT
fsr-3615	314	9	glavin	glavin	PROPN
fsr-3615	314	10	,	,	PUNCT
fsr-3615	314	11	p.	p.	NOUN
fsr-3615	314	12	,	,	PUNCT
fsr-3615	314	13	&	&	CCONJ
fsr-3615	314	14	schieman	schieman	PROPN
fsr-3615	314	15	,	,	PUNCT
fsr-3615	314	16	s.	s.	PROPN
fsr-3615	314	17	(	(	PUNCT
fsr-3615	314	18	2021	2021	NUM
fsr-3615	314	19	)	)	PUNCT
fsr-3615	314	20	.	.	PUNCT
fsr-3615	315	1	accumulation	accumulation	NOUN
fsr-3615	315	2	of	of	ADP
fsr-3615	315	3	economic	economic	ADJ
fsr-3615	315	4	hardship	hardship	NOUN
fsr-3615	315	5	and	and	CCONJ
fsr-3615	315	6	health	health	NOUN
fsr-3615	315	7	during	during	ADP
fsr-3615	315	8	the	the	DET
fsr-3615	315	9	covid-19	covid-19	PROPN
fsr-3615	315	10	pandemic	pandemic	ADJ
fsr-3615	315	11	:	:	PUNCT
fsr-3615	315	12	social	social	ADJ
fsr-3615	315	13	causation	causation	NOUN
fsr-3615	315	14	or	or	CCONJ
fsr-3615	315	15	selection	selection	NOUN
fsr-3615	315	16	?	?	PUNCT
fsr-3615	315	17	.	.	PUNCT
fsr-3615	316	1	social	social	ADJ
fsr-3615	316	2	science	science	PROPN
fsr-3615	316	3	&	&	CCONJ
fsr-3615	316	4	medicine	medicine	NOUN
fsr-3615	316	5	,	,	PUNCT
fsr-3615	316	6	275	275	NUM
fsr-3615	316	7	,	,	PUNCT
fsr-3615	316	8	113774	113774	NUM
fsr-3615	316	9	.	.	PUNCT
fsr-3615	317	1	bordia	bordia	PROPN
fsr-3615	317	2	,	,	PUNCT
fsr-3615	317	3	p.	p.	NOUN
fsr-3615	317	4	,	,	PUNCT
fsr-3615	317	5	hobman	hobman	PROPN
fsr-3615	317	6	,	,	PUNCT
fsr-3615	317	7	e.	e.	PROPN
fsr-3615	317	8	,	,	PUNCT
fsr-3615	317	9	jones	jones	PROPN
fsr-3615	317	10	,	,	PUNCT
fsr-3615	317	11	e.	e.	PROPN
fsr-3615	317	12	,	,	PUNCT
fsr-3615	317	13	gallois	gallois	NOUN
fsr-3615	317	14	,	,	PUNCT
fsr-3615	317	15	c.	c.	PROPN
fsr-3615	317	16	,	,	PUNCT
fsr-3615	317	17	&	&	CCONJ
fsr-3615	317	18	callan	callan	PROPN
fsr-3615	317	19	,	,	PUNCT
fsr-3615	317	20	v.	v.	PROPN
fsr-3615	317	21	j.	j.	PROPN
fsr-3615	317	22	(	(	PUNCT
fsr-3615	317	23	2004	2004	NUM
fsr-3615	317	24	)	)	PUNCT
fsr-3615	317	25	.	.	PUNCT
fsr-3615	318	1	uncertainty	uncertainty	NOUN
fsr-3615	318	2	during	during	ADP
fsr-3615	318	3	organizational	organizational	ADJ
fsr-3615	318	4	change	change	NOUN
fsr-3615	318	5	:	:	PUNCT
fsr-3615	318	6	types	type	NOUN
fsr-3615	318	7	,	,	PUNCT
fsr-3615	318	8	consequences	consequence	NOUN
fsr-3615	318	9	,	,	PUNCT
fsr-3615	318	10	and	and	CCONJ
fsr-3615	318	11	management	management	NOUN
fsr-3615	318	12	strategies	strategy	NOUN
fsr-3615	318	13	.	.	PUNCT
fsr-3615	319	1	journal	journal	NOUN
fsr-3615	319	2	of	of	ADP
fsr-3615	319	3	business	business	NOUN
fsr-3615	319	4	and	and	CCONJ
fsr-3615	319	5	psychology	psychology	NOUN
fsr-3615	319	6	,	,	PUNCT
fsr-3615	319	7	18	18	NUM
fsr-3615	319	8	,	,	PUNCT
fsr-3615	319	9	507	507	NUM
fsr-3615	319	10	-	-	SYM
fsr-3615	319	11	532	532	NUM
fsr-3615	319	12	.	.	PUNCT
fsr-3615	320	1	borio	borio	PROPN
fsr-3615	320	2	,	,	PUNCT
fsr-3615	320	3	c.	c.	PROPN
fsr-3615	320	4	(	(	PUNCT
fsr-3615	320	5	2020	2020	NUM
fsr-3615	320	6	)	)	PUNCT
fsr-3615	320	7	.	.	PUNCT
fsr-3615	321	1	the	the	DET
fsr-3615	321	2	covid-19	covid-19	PROPN
fsr-3615	321	3	economic	economic	ADJ
fsr-3615	321	4	crisis	crisis	NOUN
fsr-3615	321	5	:	:	PUNCT
fsr-3615	321	6	dangerously	dangerously	ADV
fsr-3615	321	7	unique	unique	ADJ
fsr-3615	321	8	.	.	PUNCT
fsr-3615	322	1	business	business	NOUN
fsr-3615	322	2	economics	economic	NOUN
fsr-3615	322	3	,	,	PUNCT
fsr-3615	322	4	55(4	55(4	NUM
fsr-3615	322	5	)	)	PUNCT
fsr-3615	322	6	,	,	PUNCT
fsr-3615	322	7	181	181	NUM
fsr-3615	322	8	-	-	SYM
fsr-3615	322	9	190	190	NUM
fsr-3615	322	10	.	.	PUNCT
fsr-3615	323	1	brehm	brehm	PROPN
fsr-3615	323	2	,	,	PUNCT
fsr-3615	323	3	j.	j.	PROPN
fsr-3615	323	4	w.	w.	PROPN
fsr-3615	323	5	(	(	PUNCT
fsr-3615	323	6	1966	1966	NUM
fsr-3615	323	7	)	)	PUNCT
fsr-3615	323	8	.	.	PUNCT
fsr-3615	324	1	a	a	DET
fsr-3615	324	2	theory	theory	NOUN
fsr-3615	324	3	of	of	ADP
fsr-3615	324	4	psychological	psychological	ADJ
fsr-3615	324	5	reactance	reactance	NOUN
fsr-3615	324	6	.	.	PUNCT
fsr-3615	325	1	academic	academic	ADJ
fsr-3615	325	2	press	press	NOUN
fsr-3615	325	3	.	.	PUNCT
fsr-3615	326	1	https://www.thebalance.com/stimulus-checks-3305750	https://www.thebalance.com/stimulus-checks-3305750	NOUN
fsr-3615	326	2	https://www.thebalance.com/stimulus-checks-3305750	https://www.thebalance.com/stimulus-checks-3305750	NUM
fsr-3615	326	3	https://libertystreeteconomics.newyorkfed.org/2021/04/an-update-on-how-households-are-using-stimulus-checks/	https://libertystreeteconomics.newyorkfed.org/2021/04/an-update-on-how-households-are-using-stimulus-checks/	NOUN
fsr-3615	326	4	https://libertystreeteconomics.newyorkfed.org/2021/04/an-update-on-how-households-are-using-stimulus-checks/	https://libertystreeteconomics.newyorkfed.org/2021/04/an-update-on-how-households-are-using-stimulus-checks/	NOUN
fsr-3615	326	5	https://libertystreeteconomics.newyorkfed.org/2021/04/an-update-on-how-households-are-using-stimulus-checks/	https://libertystreeteconomics.newyorkfed.org/2021/04/an-update-on-how-households-are-using-stimulus-checks/	NOUN
fsr-3615	326	6	financial	financial	PROPN
fsr-3615	326	7	services	services	PROPN
fsr-3615	326	8	review	review	PROPN
fsr-3615	326	9	,	,	PUNCT
fsr-3615	326	10	33(1	33(1	NUM
fsr-3615	326	11	)	)	PUNCT
fsr-3615	326	12	18	18	NUM
fsr-3615	326	13	bricker	bricker	NOUN
fsr-3615	326	14	,	,	PUNCT
fsr-3615	326	15	j.	j.	PROPN
fsr-3615	326	16	,	,	PUNCT
fsr-3615	326	17	&	&	CCONJ
fsr-3615	326	18	thompson	thompson	PROPN
fsr-3615	326	19	,	,	PUNCT
fsr-3615	326	20	j.	j.	PROPN
fsr-3615	326	21	(	(	PUNCT
fsr-3615	326	22	2016	2016	NUM
fsr-3615	326	23	)	)	PUNCT
fsr-3615	326	24	.	.	PUNCT
fsr-3615	327	1	does	do	VERB
fsr-3615	327	2	education	education	NOUN
fsr-3615	327	3	loan	loan	NOUN
fsr-3615	327	4	debt	debt	NOUN
fsr-3615	327	5	influence	influence	NOUN
fsr-3615	327	6	household	household	NOUN
fsr-3615	327	7	financial	financial	ADJ
fsr-3615	327	8	distress	distress	NOUN
fsr-3615	327	9	?	?	PUNCT
fsr-3615	328	1	an	an	DET
fsr-3615	328	2	assessment	assessment	NOUN
fsr-3615	328	3	using	use	VERB
fsr-3615	328	4	the	the	DET
fsr-3615	328	5	2007–2009	2007–2009	NUM
fsr-3615	328	6	survey	survey	NOUN
fsr-3615	328	7	of	of	ADP
fsr-3615	328	8	consumer	consumer	NOUN
fsr-3615	328	9	finances	finance	NOUN
fsr-3615	328	10	panel	panel	NOUN
fsr-3615	328	11	.	.	PUNCT
fsr-3615	329	1	contemporary	contemporary	ADJ
fsr-3615	329	2	economic	economic	ADJ
fsr-3615	329	3	policy	policy	NOUN
fsr-3615	329	4	,	,	PUNCT
fsr-3615	329	5	34(4	34(4	NUM
fsr-3615	329	6	)	)	PUNCT
fsr-3615	329	7	,	,	PUNCT
fsr-3615	329	8	660	660	NUM
fsr-3615	329	9	-	-	SYM
fsr-3615	329	10	677	677	NUM
fsr-3615	329	11	.	.	PUNCT
fsr-3615	330	1	broda	broda	PROPN
fsr-3615	330	2	,	,	PUNCT
fsr-3615	330	3	c.	c.	PROPN
fsr-3615	330	4	&	&	CCONJ
fsr-3615	330	5	parker	parker	PROPN
fsr-3615	330	6	,	,	PUNCT
fsr-3615	330	7	j.	j.	PROPN
fsr-3615	330	8	(	(	PUNCT
fsr-3615	330	9	2008	2008	NUM
fsr-3615	330	10	)	)	PUNCT
fsr-3615	330	11	.	.	PUNCT
fsr-3615	331	1	the	the	DET
fsr-3615	331	2	impact	impact	NOUN
fsr-3615	331	3	of	of	ADP
fsr-3615	331	4	the	the	DET
fsr-3615	331	5	2008	2008	NUM
fsr-3615	331	6	tax	tax	NOUN
fsr-3615	331	7	rebates	rebate	NOUN
fsr-3615	331	8	on	on	ADP
fsr-3615	331	9	consumer	consumer	NOUN
fsr-3615	331	10	spending	spending	NOUN
fsr-3615	331	11	:	:	PUNCT
fsr-3615	331	12	preliminary	preliminary	ADJ
fsr-3615	331	13	evidence	evidence	NOUN
fsr-3615	331	14	.	.	PUNCT
fsr-3615	332	1	northwestern	northwestern	ADJ
fsr-3615	332	2	university	university	NOUN
fsr-3615	332	3	.	.	PUNCT
fsr-3615	333	1	http://citeseerx.ist.psu.edu/viewdoc/dow	http://citeseerx.ist.psu.edu/viewdoc/dow	NOUN
fsr-3615	333	2	nload?doi=10.1.1.188.9572&rep	nload?doi=10.1.1.188.9572&rep	NOUN
fsr-3615	333	3	=	=	NOUN
fsr-3615	333	4	rep1	rep1	PROPN
fsr-3615	333	5	&	&	CCONJ
fsr-3615	333	6	type	type	NOUN
fsr-3615	333	7	=	=	PROPN
fsr-3615	333	8	pdf	pdf	NOUN
fsr-3615	333	9	browning	browning	NOUN
fsr-3615	333	10	,	,	PUNCT
fsr-3615	333	11	m.	m.	NOUN
fsr-3615	333	12	,	,	PUNCT
fsr-3615	333	13	&	&	CCONJ
fsr-3615	333	14	crossley	crossley	PROPN
fsr-3615	333	15	,	,	PUNCT
fsr-3615	333	16	t.	t.	PROPN
fsr-3615	333	17	f.	f.	PROPN
fsr-3615	333	18	(	(	PUNCT
fsr-3615	333	19	2001	2001	NUM
fsr-3615	333	20	)	)	PUNCT
fsr-3615	333	21	.	.	PUNCT
fsr-3615	334	1	the	the	DET
fsr-3615	334	2	lifecycle	lifecycle	NOUN
fsr-3615	334	3	model	model	NOUN
fsr-3615	334	4	of	of	ADP
fsr-3615	334	5	consumption	consumption	NOUN
fsr-3615	334	6	and	and	CCONJ
fsr-3615	334	7	saving	saving	NOUN
fsr-3615	334	8	.	.	PUNCT
fsr-3615	335	1	journal	journal	PROPN
fsr-3615	335	2	of	of	ADP
fsr-3615	335	3	economic	economic	ADJ
fsr-3615	335	4	perspectives	perspective	NOUN
fsr-3615	335	5	,	,	PUNCT
fsr-3615	335	6	15(3	15(3	NUM
fsr-3615	335	7	)	)	PUNCT
fsr-3615	335	8	,	,	PUNCT
fsr-3615	335	9	3	3	NUM
fsr-3615	335	10	-	-	SYM
fsr-3615	335	11	22	22	NUM
fsr-3615	335	12	.	.	PUNCT
fsr-3615	336	1	browning	browning	NOUN
fsr-3615	336	2	,	,	PUNCT
fsr-3615	336	3	m.	m.	NOUN
fsr-3615	336	4	,	,	PUNCT
fsr-3615	336	5	&	&	CCONJ
fsr-3615	336	6	lusardi	lusardi	PROPN
fsr-3615	336	7	,	,	PUNCT
fsr-3615	336	8	a.	a.	NOUN
fsr-3615	336	9	(	(	PUNCT
fsr-3615	336	10	1996	1996	NUM
fsr-3615	336	11	)	)	PUNCT
fsr-3615	336	12	.	.	PUNCT
fsr-3615	337	1	household	household	NOUN
fsr-3615	337	2	saving	saving	PROPN
fsr-3615	337	3	:	:	PUNCT
fsr-3615	337	4	micro	micro	ADJ
fsr-3615	337	5	theories	theory	NOUN
fsr-3615	337	6	and	and	CCONJ
fsr-3615	337	7	micro	micro	ADJ
fsr-3615	337	8	facts	fact	NOUN
fsr-3615	337	9	.	.	PUNCT
fsr-3615	338	1	journal	journal	NOUN
fsr-3615	338	2	of	of	ADP
fsr-3615	338	3	economic	economic	ADJ
fsr-3615	338	4	literature	literature	NOUN
fsr-3615	338	5	,	,	PUNCT
fsr-3615	338	6	34(4	34(4	NUM
fsr-3615	338	7	)	)	PUNCT
fsr-3615	338	8	,	,	PUNCT
fsr-3615	338	9	1797	1797	NUM
fsr-3615	338	10	-	-	SYM
fsr-3615	338	11	1855	1855	NUM
fsr-3615	338	12	.	.	PUNCT
fsr-3615	339	1	butrica	butrica	PROPN
fsr-3615	339	2	,	,	PUNCT
fsr-3615	339	3	b.	b.	PROPN
fsr-3615	339	4	a.	a.	PROPN
fsr-3615	339	5	,	,	PUNCT
fsr-3615	339	6	murphy	murphy	PROPN
fsr-3615	339	7	,	,	PUNCT
fsr-3615	339	8	d.	d.	PROPN
fsr-3615	339	9	p.	p.	PROPN
fsr-3615	339	10	,	,	PUNCT
fsr-3615	339	11	&	&	CCONJ
fsr-3615	339	12	zedlewski	zedlewski	PROPN
fsr-3615	339	13	,	,	PUNCT
fsr-3615	339	14	s.	s.	PROPN
fsr-3615	339	15	r.	r.	PROPN
fsr-3615	339	16	(	(	PUNCT
fsr-3615	339	17	2010	2010	NUM
fsr-3615	339	18	)	)	PUNCT
fsr-3615	339	19	.	.	PUNCT
fsr-3615	340	1	how	how	SCONJ
fsr-3615	340	2	many	many	ADJ
fsr-3615	340	3	struggle	struggle	VERB
fsr-3615	340	4	to	to	PART
fsr-3615	340	5	get	get	VERB
fsr-3615	340	6	by	by	ADP
fsr-3615	340	7	in	in	ADP
fsr-3615	340	8	retirement	retirement	NOUN
fsr-3615	340	9	?	?	PUNCT
fsr-3615	341	1	the	the	DET
fsr-3615	341	2	gerontologist	gerontologist	NOUN
fsr-3615	341	3	,	,	PUNCT
fsr-3615	341	4	50(4	50(4	NUM
fsr-3615	341	5	)	)	PUNCT
fsr-3615	341	6	,	,	PUNCT
fsr-3615	341	7	482	482	NUM
fsr-3615	341	8	-	-	SYM
fsr-3615	341	9	494	494	NUM
fsr-3615	341	10	.	.	PUNCT
fsr-3615	342	1	caputo	caputo	PROPN
fsr-3615	342	2	,	,	PUNCT
fsr-3615	342	3	r.	r.	PROPN
fsr-3615	342	4	k.	k.	PROPN
fsr-3615	342	5	(	(	PUNCT
fsr-3615	342	6	2012	2012	NUM
fsr-3615	342	7	)	)	PUNCT
fsr-3615	342	8	.	.	PUNCT
fsr-3615	343	1	patterns	pattern	NOUN
fsr-3615	343	2	and	and	CCONJ
fsr-3615	343	3	predictors	predictor	NOUN
fsr-3615	343	4	of	of	ADP
fsr-3615	343	5	debt	debt	NOUN
fsr-3615	343	6	:	:	PUNCT
fsr-3615	343	7	a	a	DET
fsr-3615	343	8	panel	panel	NOUN
fsr-3615	343	9	study	study	NOUN
fsr-3615	343	10	,	,	PUNCT
fsr-3615	343	11	1985	1985	NUM
fsr-3615	343	12	-	-	SYM
fsr-3615	343	13	2008	2008	NUM
fsr-3615	343	14	.	.	PUNCT
fsr-3615	344	1	journal	journal	NOUN
fsr-3615	344	2	of	of	ADP
fsr-3615	344	3	sociology	sociology	NOUN
fsr-3615	344	4	and	and	CCONJ
fsr-3615	344	5	social	social	ADJ
fsr-3615	344	6	welfare	welfare	NOUN
fsr-3615	344	7	,	,	PUNCT
fsr-3615	344	8	39	39	NUM
fsr-3615	344	9	,	,	PUNCT
fsr-3615	344	10	7	7	NUM
fsr-3615	344	11	.	.	PUNCT
fsr-3615	344	12	cobb	cobb	PROPN
fsr-3615	344	13	-	-	PUNCT
fsr-3615	344	14	clark	clark	PROPN
fsr-3615	344	15	,	,	PUNCT
fsr-3615	344	16	d.	d.	PROPN
fsr-3615	344	17	a.	a.	PROPN
fsr-3615	344	18	,	,	PUNCT
fsr-3615	344	19	kassenboehmer	kassenboehmer	PROPN
fsr-3615	344	20	,	,	PUNCT
fsr-3615	344	21	s.	s.	PROPN
fsr-3615	344	22	c.	c.	PROPN
fsr-3615	344	23	,	,	PUNCT
fsr-3615	344	24	&	&	CCONJ
fsr-3615	344	25	sinning	sinning	NOUN
fsr-3615	344	26	,	,	PUNCT
fsr-3615	344	27	m.	m.	NOUN
fsr-3615	344	28	g.	g.	PROPN
fsr-3615	344	29	(	(	PUNCT
fsr-3615	344	30	2016	2016	NUM
fsr-3615	344	31	)	)	PUNCT
fsr-3615	344	32	.	.	PUNCT
fsr-3615	345	1	locus	locus	NOUN
fsr-3615	345	2	of	of	ADP
fsr-3615	345	3	control	control	NOUN
fsr-3615	345	4	and	and	CCONJ
fsr-3615	345	5	savings	saving	NOUN
fsr-3615	345	6	.	.	PUNCT
fsr-3615	346	1	journal	journal	PROPN
fsr-3615	346	2	of	of	ADP
fsr-3615	346	3	banking	banking	NOUN
fsr-3615	346	4	&	&	CCONJ
fsr-3615	346	5	finance	finance	PROPN
fsr-3615	346	6	,	,	PUNCT
fsr-3615	346	7	73	73	NUM
fsr-3615	346	8	,	,	PUNCT
fsr-3615	346	9	113	113	NUM
fsr-3615	346	10	-	-	SYM
fsr-3615	346	11	130	130	NUM
fsr-3615	346	12	.	.	PUNCT
fsr-3615	347	1	coibion	coibion	NOUN
fsr-3615	347	2	,	,	PUNCT
fsr-3615	347	3	o.	o.	PROPN
fsr-3615	347	4	,	,	PUNCT
fsr-3615	347	5	gorodnichenko	gorodnichenko	PROPN
fsr-3615	347	6	,	,	PUNCT
fsr-3615	347	7	y.	y.	PROPN
fsr-3615	347	8	,	,	PUNCT
fsr-3615	347	9	&	&	CCONJ
fsr-3615	347	10	weber	weber	PROPN
fsr-3615	347	11	,	,	PUNCT
fsr-3615	347	12	m.	m.	NOUN
fsr-3615	347	13	(	(	PUNCT
fsr-3615	347	14	2020	2020	NUM
fsr-3615	347	15	)	)	PUNCT
fsr-3615	347	16	.	.	PUNCT
fsr-3615	348	1	how	how	SCONJ
fsr-3615	348	2	did	do	AUX
fsr-3615	348	3	u.s	u.s	PROPN
fsr-3615	348	4	.	.	PROPN
fsr-3615	348	5	consumers	consumer	NOUN
fsr-3615	348	6	use	use	VERB
fsr-3615	348	7	their	their	PRON
fsr-3615	348	8	stimulus	stimulus	ADJ
fsr-3615	348	9	payments	payment	NOUN
fsr-3615	348	10	?	?	PUNCT
fsr-3615	349	1	(	(	PUNCT
fsr-3615	349	2	nber	nber	PROPN
fsr-3615	349	3	working	working	PROPN
fsr-3615	349	4	paper	paper	PROPN
fsr-3615	349	5	no	no	INTJ
fsr-3615	349	6	.	.	PROPN
fsr-3615	349	7	27693	27693	NUM
fsr-3615	349	8	)	)	PUNCT
fsr-3615	349	9	.	.	PUNCT
fsr-3615	350	1	national	national	PROPN
fsr-3615	350	2	bureau	bureau	PROPN
fsr-3615	350	3	of	of	ADP
fsr-3615	350	4	economic	economic	ADJ
fsr-3615	350	5	research	research	NOUN
fsr-3615	350	6	.	.	PUNCT
fsr-3615	351	1	http://www.nber.org/papers/w27693	http://www.nber.org/papers/w27693	X
fsr-3615	351	2	colarieti	colarieti	PROPN
fsr-3615	351	3	,	,	PUNCT
fsr-3615	351	4	r.	r.	PROPN
fsr-3615	351	5	,	,	PUNCT
fsr-3615	351	6	mei	mei	PROPN
fsr-3615	351	7	,	,	PUNCT
fsr-3615	351	8	p.	p.	PROPN
fsr-3615	351	9	,	,	PUNCT
fsr-3615	351	10	&	&	CCONJ
fsr-3615	351	11	stantcheva	stantcheva	PROPN
fsr-3615	351	12	,	,	PUNCT
fsr-3615	351	13	s.	s.	PROPN
fsr-3615	351	14	(	(	PUNCT
fsr-3615	351	15	2024	2024	NUM
fsr-3615	351	16	)	)	PUNCT
fsr-3615	351	17	.	.	PUNCT
fsr-3615	352	1	the	the	DET
fsr-3615	352	2	how	how	SCONJ
fsr-3615	352	3	and	and	CCONJ
fsr-3615	352	4	why	why	SCONJ
fsr-3615	352	5	of	of	ADP
fsr-3615	352	6	household	household	NOUN
fsr-3615	352	7	reactions	reaction	NOUN
fsr-3615	352	8	to	to	PART
fsr-3615	352	9	income	income	VERB
fsr-3615	352	10	shocks	shock	NOUN
fsr-3615	352	11	(	(	PUNCT
fsr-3615	352	12	working	working	NOUN
fsr-3615	352	13	paper	paper	NOUN
fsr-3615	352	14	no	no	INTJ
fsr-3615	352	15	.	.	PUNCT
fsr-3615	353	1	w32191	w32191	PROPN
fsr-3615	353	2	)	)	PUNCT
fsr-3615	353	3	.	.	PUNCT
fsr-3615	354	1	national	national	PROPN
fsr-3615	354	2	bureau	bureau	PROPN
fsr-3615	354	3	of	of	ADP
fsr-3615	354	4	economic	economic	ADJ
fsr-3615	354	5	research	research	NOUN
fsr-3615	354	6	.	.	PUNCT
fsr-3615	355	1	doi	doi	NOUN
fsr-3615	355	2	10.3386	10.3386	NUM
fsr-3615	355	3	/	/	SYM
fsr-3615	355	4	w32191	w32191	PROPN
fsr-3615	355	5	cox	cox	PROPN
fsr-3615	355	6	,	,	PUNCT
fsr-3615	355	7	n.	n.	PROPN
fsr-3615	355	8	,	,	PUNCT
fsr-3615	355	9	ganong	ganong	PROPN
fsr-3615	355	10	,	,	PUNCT
fsr-3615	355	11	p.	p.	PROPN
fsr-3615	355	12	,	,	PUNCT
fsr-3615	355	13	noel	noel	PROPN
fsr-3615	355	14	,	,	PUNCT
fsr-3615	355	15	p.	p.	NOUN
fsr-3615	355	16	,	,	PUNCT
fsr-3615	355	17	vavra	vavra	NOUN
fsr-3615	355	18	,	,	PUNCT
fsr-3615	355	19	j.	j.	PROPN
fsr-3615	355	20	,	,	PUNCT
fsr-3615	355	21	wong	wong	PROPN
fsr-3615	355	22	,	,	PUNCT
fsr-3615	355	23	a.	a.	PROPN
fsr-3615	355	24	,	,	PUNCT
fsr-3615	355	25	farrell	farrell	PROPN
fsr-3615	355	26	,	,	PUNCT
fsr-3615	355	27	d.	d.	PROPN
fsr-3615	355	28	,	,	PUNCT
fsr-3615	355	29	...	...	PUNCT
fsr-3615	355	30	&	&	CCONJ
fsr-3615	355	31	deadman	deadman	PROPN
fsr-3615	355	32	,	,	PUNCT
fsr-3615	355	33	e.	e.	PROPN
fsr-3615	355	34	(	(	PUNCT
fsr-3615	355	35	2020	2020	NUM
fsr-3615	355	36	)	)	PUNCT
fsr-3615	355	37	.	.	PUNCT
fsr-3615	356	1	initial	initial	ADJ
fsr-3615	356	2	impacts	impact	NOUN
fsr-3615	356	3	of	of	ADP
fsr-3615	356	4	the	the	DET
fsr-3615	356	5	pandemic	pandemic	NOUN
fsr-3615	356	6	on	on	ADP
fsr-3615	356	7	consumer	consumer	NOUN
fsr-3615	356	8	behavior	behavior	NOUN
fsr-3615	356	9	:	:	PUNCT
fsr-3615	356	10	evidence	evidence	NOUN
fsr-3615	356	11	from	from	ADP
fsr-3615	356	12	linked	link	VERB
fsr-3615	356	13	income	income	NOUN
fsr-3615	356	14	,	,	PUNCT
fsr-3615	356	15	spending	spending	NOUN
fsr-3615	356	16	,	,	PUNCT
fsr-3615	356	17	and	and	CCONJ
fsr-3615	356	18	savings	saving	NOUN
fsr-3615	356	19	data	datum	NOUN
fsr-3615	356	20	.	.	PUNCT
fsr-3615	357	1	brookings	brookings	PROPN
fsr-3615	357	2	papers	paper	NOUN
fsr-3615	357	3	on	on	ADP
fsr-3615	357	4	economic	economic	ADJ
fsr-3615	357	5	activity	activity	NOUN
fsr-3615	357	6	,	,	PUNCT
fsr-3615	357	7	2020(2	2020(2	NUM
fsr-3615	357	8	)	)	PUNCT
fsr-3615	357	9	,	,	PUNCT
fsr-3615	357	10	35	35	NUM
fsr-3615	357	11	-	-	SYM
fsr-3615	357	12	82	82	NUM
fsr-3615	357	13	.	.	PUNCT
fsr-3615	358	1	dalgard	dalgard	PROPN
fsr-3615	358	2	,	,	PUNCT
fsr-3615	358	3	o.	o.	PROPN
fsr-3615	358	4	s.	s.	PROPN
fsr-3615	358	5	,	,	PUNCT
fsr-3615	358	6	thapa	thapa	PROPN
fsr-3615	358	7	,	,	PUNCT
fsr-3615	358	8	s.	s.	PROPN
fsr-3615	358	9	b.	b.	PROPN
fsr-3615	358	10	,	,	PUNCT
fsr-3615	358	11	hauff	hauff	PROPN
fsr-3615	358	12	,	,	PUNCT
fsr-3615	358	13	e.	e.	PROPN
fsr-3615	358	14	,	,	PUNCT
fsr-3615	358	15	mccubbin	mccubbin	NOUN
fsr-3615	358	16	,	,	PUNCT
fsr-3615	358	17	m.	m.	NOUN
fsr-3615	358	18	,	,	PUNCT
fsr-3615	358	19	&	&	CCONJ
fsr-3615	358	20	syed	syed	PROPN
fsr-3615	358	21	,	,	PUNCT
fsr-3615	358	22	h.	h.	PROPN
fsr-3615	358	23	r.	r.	PROPN
fsr-3615	358	24	(	(	PUNCT
fsr-3615	358	25	2006	2006	NUM
fsr-3615	358	26	)	)	PUNCT
fsr-3615	358	27	.	.	PUNCT
fsr-3615	359	1	immigration	immigration	NOUN
fsr-3615	359	2	,	,	PUNCT
fsr-3615	359	3	lack	lack	NOUN
fsr-3615	359	4	of	of	ADP
fsr-3615	359	5	control	control	NOUN
fsr-3615	359	6	and	and	CCONJ
fsr-3615	359	7	psychological	psychological	ADJ
fsr-3615	359	8	distress	distress	NOUN
fsr-3615	359	9	:	:	PUNCT
fsr-3615	359	10	findings	finding	NOUN
fsr-3615	359	11	from	from	ADP
fsr-3615	359	12	the	the	DET
fsr-3615	359	13	oslo	oslo	PROPN
fsr-3615	359	14	health	health	PROPN
fsr-3615	359	15	study	study	PROPN
fsr-3615	359	16	.	.	PUNCT
fsr-3615	360	1	scandinavian	scandinavian	ADJ
fsr-3615	360	2	journal	journal	PROPN
fsr-3615	360	3	of	of	ADP
fsr-3615	360	4	psychology	psychology	NOUN
fsr-3615	360	5	,	,	PUNCT
fsr-3615	360	6	47(6	47(6	NUM
fsr-3615	360	7	)	)	PUNCT
fsr-3615	360	8	,	,	PUNCT
fsr-3615	360	9	551	551	NUM
fsr-3615	360	10	-	-	SYM
fsr-3615	360	11	558	558	NUM
fsr-3615	360	12	.	.	PUNCT
fsr-3615	361	1	deaton	deaton	PROPN
fsr-3615	361	2	,	,	PUNCT
fsr-3615	361	3	a.	a.	PROPN
fsr-3615	361	4	(	(	PUNCT
fsr-3615	361	5	2005	2005	NUM
fsr-3615	361	6	)	)	PUNCT
fsr-3615	361	7	.	.	PUNCT
fsr-3615	362	1	franco	franco	PROPN
fsr-3615	362	2	modigliani	modigliani	PROPN
fsr-3615	362	3	and	and	CCONJ
fsr-3615	362	4	the	the	DET
fsr-3615	362	5	life	life	NOUN
fsr-3615	362	6	cycle	cycle	NOUN
fsr-3615	362	7	theory	theory	NOUN
fsr-3615	362	8	of	of	ADP
fsr-3615	362	9	consumption	consumption	NOUN
fsr-3615	362	10	.	.	PUNCT
fsr-3615	363	1	https://dx.doi.org/10.2139/ssrn.686475	https://dx.doi.org/10.2139/ssrn.686475	NOUN
fsr-3615	363	2	dettling	dettle	VERB
fsr-3615	363	3	,	,	PUNCT
fsr-3615	363	4	l.	l.	PROPN
fsr-3615	363	5	j.	j.	PROPN
fsr-3615	363	6	&	&	CCONJ
fsr-3615	363	7	lambie	lambie	PROPN
fsr-3615	363	8	-	-	PUNCT
fsr-3615	363	9	hanson	hanson	PROPN
fsr-3615	363	10	,	,	PUNCT
fsr-3615	363	11	l.	l.	PROPN
fsr-3615	363	12	(	(	PUNCT
fsr-3615	363	13	2021	2021	NUM
fsr-3615	363	14	)	)	PUNCT
fsr-3615	363	15	.	.	PUNCT
fsr-3615	364	1	why	why	SCONJ
fsr-3615	364	2	is	be	AUX
fsr-3615	364	3	the	the	DET
fsr-3615	364	4	default	default	NOUN
fsr-3615	364	5	rate	rate	NOUN
fsr-3615	364	6	so	so	ADV
fsr-3615	364	7	low	low	ADJ
fsr-3615	364	8	?	?	PUNCT
fsr-3615	365	1	how	how	SCONJ
fsr-3615	365	2	economic	economic	ADJ
fsr-3615	365	3	conditions	condition	NOUN
fsr-3615	365	4	and	and	CCONJ
fsr-3615	365	5	public	public	ADJ
fsr-3615	365	6	policies	policy	NOUN
fsr-3615	365	7	have	have	AUX
fsr-3615	365	8	shaped	shape	VERB
fsr-3615	365	9	mortgage	mortgage	NOUN
fsr-3615	365	10	and	and	CCONJ
fsr-3615	365	11	auto	auto	NOUN
fsr-3615	365	12	delinquencies	delinquency	NOUN
fsr-3615	365	13	during	during	ADP
fsr-3615	365	14	the	the	DET
fsr-3615	365	15	covid-19	covid-19	PROPN
fsr-3615	365	16	pandemic	pandemic	NOUN
fsr-3615	365	17	.	.	PUNCT
fsr-3615	366	1	feds	feds	PROPN
fsr-3615	366	2	notes	note	VERB
fsr-3615	366	3	no	no	DET
fsr-3615	366	4	.	.	NOUN
fsr-3615	366	5	2021	2021	NUM
fsr-3615	366	6	-	-	SYM
fsr-3615	366	7	03	03	NUM
fsr-3615	366	8	-	-	PUNCT
fsr-3615	366	9	042	042	NUM
fsr-3615	366	10	https://doi.org/10.17016/23807172.2854	https://doi.org/10.17016/23807172.2854	NOUN
fsr-3615	366	11	.	.	PUNCT
fsr-3615	367	1	drentea	drentea	NOUN
fsr-3615	367	2	,	,	PUNCT
fsr-3615	367	3	p.	p.	NOUN
fsr-3615	367	4	,	,	PUNCT
fsr-3615	367	5	&	&	CCONJ
fsr-3615	367	6	lavrakas	lavrakas	PROPN
fsr-3615	367	7	,	,	PUNCT
fsr-3615	367	8	p.	p.	NOUN
fsr-3615	367	9	j.	j.	PROPN
fsr-3615	367	10	(	(	PUNCT
fsr-3615	367	11	2000	2000	NUM
fsr-3615	367	12	)	)	PUNCT
fsr-3615	367	13	.	.	PUNCT
fsr-3615	368	1	over	over	ADP
fsr-3615	368	2	the	the	DET
fsr-3615	368	3	limit	limit	NOUN
fsr-3615	368	4	:	:	PUNCT
fsr-3615	368	5	the	the	DET
fsr-3615	368	6	association	association	NOUN
fsr-3615	368	7	among	among	ADP
fsr-3615	368	8	health	health	NOUN
fsr-3615	368	9	,	,	PUNCT
fsr-3615	368	10	race	race	NOUN
fsr-3615	368	11	and	and	CCONJ
fsr-3615	368	12	debt	debt	NOUN
fsr-3615	368	13	.	.	PUNCT
fsr-3615	369	1	social	social	ADJ
fsr-3615	369	2	science	science	PROPN
fsr-3615	369	3	&	&	CCONJ
fsr-3615	369	4	medicine	medicine	NOUN
fsr-3615	369	5	,	,	PUNCT
fsr-3615	369	6	50(4	50(4	NUM
fsr-3615	369	7	)	)	PUNCT
fsr-3615	369	8	,	,	PUNCT
fsr-3615	369	9	517	517	NUM
fsr-3615	369	10	-	-	SYM
fsr-3615	369	11	529	529	NUM
fsr-3615	369	12	.	.	PUNCT
fsr-3615	370	1	dryden	dryden	PROPN
fsr-3615	370	2	,	,	PUNCT
fsr-3615	370	3	r.	r.	PROPN
fsr-3615	370	4	p.	p.	PROPN
fsr-3615	370	5	,	,	PUNCT
fsr-3615	370	6	campbell	campbell	PROPN
fsr-3615	370	7	,	,	PUNCT
fsr-3615	370	8	a.	a.	PROPN
fsr-3615	370	9	v.	v.	PROPN
fsr-3615	370	10	,	,	PUNCT
fsr-3615	370	11	perry	perry	PROPN
fsr-3615	370	12	,	,	PUNCT
fsr-3615	370	13	r.	r.	PROPN
fsr-3615	370	14	p.	p.	PROPN
fsr-3615	370	15	,	,	PUNCT
fsr-3615	370	16	hamm	hamm	PROPN
fsr-3615	370	17	,	,	PUNCT
fsr-3615	370	18	j.	j.	PROPN
fsr-3615	370	19	m.	m.	PROPN
fsr-3615	370	20	,	,	PUNCT
fsr-3615	370	21	chipperfield	chipperfield	PROPN
fsr-3615	370	22	,	,	PUNCT
fsr-3615	370	23	j.	j.	PROPN
fsr-3615	370	24	g.	g.	PROPN
fsr-3615	370	25	,	,	PUNCT
fsr-3615	370	26	parker	parker	PROPN
fsr-3615	370	27	,	,	PUNCT
fsr-3615	370	28	p.	p.	PROPN
fsr-3615	370	29	c.	c.	PROPN
fsr-3615	370	30	,	,	PUNCT
fsr-3615	370	31	&	&	CCONJ
fsr-3615	370	32	leboe	leboe	PROPN
fsr-3615	370	33	-	-	PUNCT
fsr-3615	370	34	mcgowan	mcgowan	PROPN
fsr-3615	370	35	,	,	PUNCT
fsr-3615	370	36	l.	l.	PROPN
fsr-3615	370	37	(	(	PUNCT
fsr-3615	370	38	2023	2023	NUM
fsr-3615	370	39	)	)	PUNCT
fsr-3615	370	40	.	.	PUNCT
fsr-3615	371	1	assisting	assist	VERB
fsr-3615	371	2	students	student	NOUN
fsr-3615	371	3	in	in	ADP
fsr-3615	371	4	debt	debt	NOUN
fsr-3615	371	5	to	to	PART
fsr-3615	371	6	overcome	overcome	VERB
fsr-3615	371	7	academic	academic	ADJ
fsr-3615	371	8	setbacks	setback	NOUN
fsr-3615	371	9	with	with	ADP
fsr-3615	371	10	a	a	DET
fsr-3615	371	11	cognitivereframing	cognitivereframe	VERB
fsr-3615	371	12	motivation	motivation	NOUN
fsr-3615	371	13	intervention	intervention	NOUN
fsr-3615	371	14	.	.	PUNCT
fsr-3615	372	1	journal	journal	NOUN
fsr-3615	372	2	of	of	ADP
fsr-3615	372	3	educational	educational	ADJ
fsr-3615	372	4	psychology	psychology	NOUN
fsr-3615	372	5	,	,	PUNCT
fsr-3615	372	6	115(1	115(1	NUM
fsr-3615	372	7	)	)	PUNCT
fsr-3615	372	8	,	,	PUNCT
fsr-3615	372	9	55	55	NUM
fsr-3615	372	10	.	.	PUNCT
fsr-3615	373	1	fan	fan	PROPN
fsr-3615	373	2	,	,	PUNCT
fsr-3615	373	3	l.	l.	PROPN
fsr-3615	373	4	,	,	PUNCT
fsr-3615	373	5	&	&	CCONJ
fsr-3615	373	6	chatterjee	chatterjee	PROPN
fsr-3615	373	7	,	,	PUNCT
fsr-3615	373	8	s.	s.	PROPN
fsr-3615	373	9	(	(	PUNCT
fsr-3615	373	10	2017	2017	NUM
fsr-3615	373	11	)	)	PUNCT
fsr-3615	373	12	.	.	PUNCT
fsr-3615	374	1	borrowing	borrow	VERB
fsr-3615	374	2	decisions	decision	NOUN
fsr-3615	374	3	of	of	ADP
fsr-3615	374	4	households	household	NOUN
fsr-3615	374	5	:	:	PUNCT
fsr-3615	374	6	an	an	DET
fsr-3615	374	7	examination	examination	NOUN
fsr-3615	374	8	of	of	ADP
fsr-3615	374	9	the	the	DET
fsr-3615	374	10	information	information	NOUN
fsr-3615	374	11	search	search	NOUN
fsr-3615	374	12	process	process	NOUN
fsr-3615	374	13	.	.	PUNCT
fsr-3615	375	1	journal	journal	NOUN
fsr-3615	375	2	of	of	ADP
fsr-3615	375	3	financial	financial	ADJ
fsr-3615	375	4	counseling	counseling	NOUN
fsr-3615	375	5	and	and	CCONJ
fsr-3615	375	6	planning	planning	NOUN
fsr-3615	375	7	,	,	PUNCT
fsr-3615	375	8	28(1	28(1	NOUN
fsr-3615	375	9	)	)	PUNCT
fsr-3615	375	10	,	,	PUNCT
fsr-3615	375	11	95	95	NUM
fsr-3615	375	12	-	-	SYM
fsr-3615	375	13	106	106	NUM
fsr-3615	375	14	.	.	PUNCT
fsr-3615	376	1	https://doi.org/10.1891/10523073.28.1.95	https://doi.org/10.1891/10523073.28.1.95	PROPN
fsr-3615	376	2	federal	federal	PROPN
fsr-3615	376	3	reserve	reserve	PROPN
fsr-3615	376	4	bank	bank	PROPN
fsr-3615	376	5	of	of	ADP
fsr-3615	376	6	new	new	PROPN
fsr-3615	376	7	york	york	PROPN
fsr-3615	376	8	.	.	PUNCT
fsr-3615	377	1	(	(	PUNCT
fsr-3615	377	2	2022	2022	NUM
fsr-3615	377	3	,	,	PUNCT
fsr-3615	377	4	november	november	PROPN
fsr-3615	377	5	)	)	PUNCT
fsr-3615	377	6	.	.	PUNCT
fsr-3615	378	1	quarterly	quarterly	ADJ
fsr-3615	378	2	report	report	NOUN
fsr-3615	378	3	on	on	ADP
fsr-3615	378	4	household	household	NOUN
fsr-3615	378	5	debt	debt	NOUN
fsr-3615	378	6	and	and	CCONJ
fsr-3615	378	7	credit	credit	NOUN
fsr-3615	378	8	(	(	PUNCT
fsr-3615	378	9	q3	q3	NOUN
fsr-3615	378	10	2022	2022	NUM
fsr-3615	378	11	)	)	PUNCT
fsr-3615	378	12	.	.	PUNCT
fsr-3615	379	1	https://www.newyorkfed.org/medialibra	https://www.newyorkfed.org/medialibra	PUNCT
fsr-3615	380	1	ry	ry	NOUN
fsr-3615	380	2	/	/	SYM
fsr-3615	380	3	interactives	interactive	NOUN
fsr-3615	380	4	/	/	SYM
fsr-3615	380	5	householdcredit	householdcredit	NOUN
fsr-3615	380	6	/	/	SYM
fsr-3615	380	7	data	data	NOUN
fsr-3615	380	8	/	/	SYM
fsr-3615	380	9	pdf/	pdf/	NOUN
fsr-3615	380	10	hhdc_2022q3	hhdc_2022q3	NOUN
fsr-3615	380	11	http://citeseerx.ist.psu.edu/viewdoc/download?doi=10.1.1.188.9572&rep=rep1&type=pdf	http://citeseerx.ist.psu.edu/viewdoc/download?doi=10.1.1.188.9572&rep=rep1&type=pdf	PROPN
fsr-3615	380	12	http://citeseerx.ist.psu.edu/viewdoc/download?doi=10.1.1.188.9572&rep=rep1&type=pdf	http://citeseerx.ist.psu.edu/viewdoc/download?doi=10.1.1.188.9572&rep=rep1&type=pdf	PROPN
fsr-3615	380	13	http://citeseerx.ist.psu.edu/viewdoc/download?doi=10.1.1.188.9572&rep=rep1&type=pdf	http://citeseerx.ist.psu.edu/viewdoc/download?doi=10.1.1.188.9572&rep=rep1&type=pdf	PROPN
fsr-3615	380	14	http://www.nber.org/papers/w27693	http://www.nber.org/papers/w27693	PROPN
fsr-3615	380	15	https://dx.doi.org/10.2139/ssrn.686475	https://dx.doi.org/10.2139/ssrn.686475	PUNCT
fsr-3615	380	16	https://doi.org/10.17016/2380-7172.2854	https://doi.org/10.17016/2380-7172.2854	PROPN
fsr-3615	380	17	https://doi.org/10.17016/2380-7172.2854	https://doi.org/10.17016/2380-7172.2854	PROPN
fsr-3615	380	18	https://doi.org/10.17016/2380-7172.2854	https://doi.org/10.17016/2380-7172.2854	PROPN
fsr-3615	380	19	https://doi.org/10.1891/1052-3073.28.1.95	https://doi.org/10.1891/1052-3073.28.1.95	NOUN
fsr-3615	380	20	https://doi.org/10.1891/1052-3073.28.1.95	https://doi.org/10.1891/1052-3073.28.1.95	NOUN
fsr-3615	381	1	https://www.newyorkfed.org/medialibrary/interactives/householdcredit/data/pdf/hhdc_2022q3	https://www.newyorkfed.org/medialibrary/interactives/householdcredit/data/pdf/hhdc_2022q3	DET
fsr-3615	381	2	https://www.newyorkfed.org/medialibrary/interactives/householdcredit/data/pdf/hhdc_2022q3	https://www.newyorkfed.org/medialibrary/interactives/householdcredit/data/pdf/hhdc_2022q3	ADJ
fsr-3615	381	3	https://www.newyorkfed.org/medialibrary/interactives/householdcredit/data/pdf/hhdc_2022q3	https://www.newyorkfed.org/medialibrary/interactives/householdcredit/data/pdf/hhdc_2022q3	PRON
fsr-3615	381	4	https://www.newyorkfed.org/medialibrary/interactives/householdcredit/data/pdf/hhdc_2022q3	https://www.newyorkfed.org/medialibrary/interactives/householdcredit/data/pdf/hhdc_2022q3	PRON
fsr-3615	381	5	ouyang	ouyang	PROPN
fsr-3615	381	6	et	et	PROPN
fsr-3615	381	7	al	al	PROPN
fsr-3615	381	8	.	.	PROPN
fsr-3615	381	9	19	19	NUM
fsr-3615	381	10	foltice	foltice	PROPN
fsr-3615	381	11	,	,	PUNCT
fsr-3615	381	12	b.	b.	PROPN
fsr-3615	381	13	,	,	PUNCT
fsr-3615	381	14	&	&	CCONJ
fsr-3615	381	15	ilcin	ilcin	PROPN
fsr-3615	381	16	,	,	PUNCT
fsr-3615	381	17	p.	p.	NOUN
fsr-3615	381	18	(	(	PUNCT
fsr-3615	381	19	2019	2019	NUM
fsr-3615	381	20	)	)	PUNCT
fsr-3615	381	21	.	.	PUNCT
fsr-3615	382	1	the	the	DET
fsr-3615	382	2	influences	influence	NOUN
fsr-3615	382	3	of	of	ADP
fsr-3615	382	4	locus	locus	NOUN
fsr-3615	382	5	of	of	ADP
fsr-3615	382	6	control	control	NOUN
fsr-3615	382	7	,	,	PUNCT
fsr-3615	382	8	debt	debt	NOUN
fsr-3615	382	9	,	,	PUNCT
fsr-3615	382	10	and	and	CCONJ
fsr-3615	382	11	framing	frame	VERB
fsr-3615	382	12	on	on	ADP
fsr-3615	382	13	retirement	retirement	NOUN
fsr-3615	382	14	contributions	contribution	NOUN
fsr-3615	382	15	.	.	PUNCT
fsr-3615	383	1	journal	journal	NOUN
fsr-3615	383	2	of	of	ADP
fsr-3615	383	3	advanced	advanced	ADJ
fsr-3615	383	4	studies	study	NOUN
fsr-3615	383	5	in	in	ADP
fsr-3615	383	6	finance	finance	NOUN
fsr-3615	383	7	,	,	PUNCT
fsr-3615	383	8	10(1	10(1	NUM
fsr-3615	383	9	)	)	PUNCT
fsr-3615	383	10	,	,	PUNCT
fsr-3615	383	11	3444	3444	NUM
fsr-3615	383	12	.	.	PUNCT
fsr-3615	384	1	forbes	forbes	PROPN
fsr-3615	384	2	,	,	PUNCT
fsr-3615	384	3	j.	j.	PROPN
fsr-3615	384	4	,	,	PUNCT
fsr-3615	384	5	&	&	CCONJ
fsr-3615	384	6	kara	kara	PROPN
fsr-3615	384	7	,	,	PUNCT
fsr-3615	384	8	s.	s.	PROPN
fsr-3615	384	9	m.	m.	PROPN
fsr-3615	384	10	(	(	PUNCT
fsr-3615	384	11	2010	2010	NUM
fsr-3615	384	12	)	)	PUNCT
fsr-3615	384	13	.	.	PUNCT
fsr-3615	385	1	confidence	confidence	NOUN
fsr-3615	385	2	mediates	mediate	VERB
fsr-3615	385	3	how	how	SCONJ
fsr-3615	385	4	investment	investment	NOUN
fsr-3615	385	5	knowledge	knowledge	NOUN
fsr-3615	385	6	influences	influence	VERB
fsr-3615	385	7	investing	invest	VERB
fsr-3615	385	8	self	self	NOUN
fsr-3615	385	9	-	-	PUNCT
fsr-3615	385	10	efficacy	efficacy	NOUN
fsr-3615	385	11	.	.	PUNCT
fsr-3615	386	1	journal	journal	NOUN
fsr-3615	386	2	of	of	ADP
fsr-3615	386	3	economic	economic	ADJ
fsr-3615	386	4	psychology	psychology	NOUN
fsr-3615	386	5	,	,	PUNCT
fsr-3615	386	6	31(3	31(3	NUM
fsr-3615	386	7	)	)	PUNCT
fsr-3615	386	8	,	,	PUNCT
fsr-3615	386	9	435	435	NUM
fsr-3615	386	10	-	-	SYM
fsr-3615	386	11	443	443	NUM
fsr-3615	386	12	.	.	PUNCT
fsr-3615	387	1	https://doi.org/10.1016/j.joep.2010.01.0	https://doi.org/10.1016/j.joep.2010.01.0	PROPN
fsr-3615	387	2	12	12	NUM
fsr-3615	387	3	fulford	fulford	PROPN
fsr-3615	387	4	,	,	PUNCT
fsr-3615	387	5	s.	s.	PROPN
fsr-3615	387	6	,	,	PUNCT
fsr-3615	387	7	rush	rush	NOUN
fsr-3615	387	8	,	,	PUNCT
fsr-3615	387	9	m.	m.	NOUN
fsr-3615	387	10	,	,	PUNCT
fsr-3615	387	11	&	&	CCONJ
fsr-3615	387	12	wilson	wilson	PROPN
fsr-3615	387	13	,	,	PUNCT
fsr-3615	387	14	e.	e.	PROPN
fsr-3615	387	15	(	(	PUNCT
fsr-3615	387	16	2021	2021	NUM
fsr-3615	387	17	)	)	PUNCT
fsr-3615	387	18	.	.	PUNCT
fsr-3615	388	1	changes	change	NOUN
fsr-3615	388	2	in	in	ADP
fsr-3615	388	3	consumer	consumer	NOUN
fsr-3615	388	4	financial	financial	ADJ
fsr-3615	388	5	status	status	NOUN
fsr-3615	388	6	during	during	ADP
fsr-3615	388	7	the	the	DET
fsr-3615	388	8	early	early	ADJ
fsr-3615	388	9	months	month	NOUN
fsr-3615	388	10	of	of	ADP
fsr-3615	388	11	the	the	DET
fsr-3615	388	12	pandemic	pandemic	ADJ
fsr-3615	388	13	:	:	PUNCT
fsr-3615	388	14	evidence	evidence	NOUN
fsr-3615	388	15	from	from	ADP
fsr-3615	388	16	the	the	DET
fsr-3615	388	17	second	second	ADJ
fsr-3615	388	18	wave	wave	NOUN
fsr-3615	388	19	of	of	ADP
fsr-3615	388	20	the	the	DET
fsr-3615	388	21	making	making	NOUN
fsr-3615	388	22	ends	ends	AUX
fsr-3615	388	23	meet	meet	VERB
fsr-3615	388	24	survey	survey	NOUN
fsr-3615	388	25	.	.	PUNCT
fsr-3615	389	1	consumer	consumer	NOUN
fsr-3615	389	2	financial	financial	PROPN
fsr-3615	389	3	protection	protection	PROPN
fsr-3615	389	4	bureau	bureau	PROPN
fsr-3615	389	5	office	office	PROPN
fsr-3615	389	6	of	of	ADP
fsr-3615	389	7	research	research	NOUN
fsr-3615	389	8	reports	report	NOUN
fsr-3615	389	9	series	serie	NOUN
fsr-3615	389	10	,	,	PUNCT
fsr-3615	389	11	(	(	PUNCT
fsr-3615	389	12	21	21	NUM
fsr-3615	389	13	-	-	SYM
fsr-3615	389	14	2	2	NUM
fsr-3615	389	15	)	)	PUNCT
fsr-3615	389	16	.	.	PUNCT
fsr-3615	390	1	garner	garner	NOUN
fsr-3615	390	2	,	,	PUNCT
fsr-3615	390	3	t.	t.	PROPN
fsr-3615	390	4	i.	i.	PROPN
fsr-3615	390	5	,	,	PUNCT
fsr-3615	390	6	safir	safir	PROPN
fsr-3615	390	7	,	,	PUNCT
fsr-3615	390	8	a.	a.	PROPN
fsr-3615	390	9	&	&	CCONJ
fsr-3615	390	10	schild	schild	PROPN
fsr-3615	390	11	,	,	PUNCT
fsr-3615	390	12	j.	j.	PROPN
fsr-3615	390	13	(	(	PUNCT
fsr-3615	390	14	2020	2020	NUM
fsr-3615	390	15	,	,	PUNCT
fsr-3615	390	16	june	june	PROPN
fsr-3615	390	17	)	)	PUNCT
fsr-3615	390	18	.	.	PUNCT
fsr-3615	391	1	receipt	receipt	NOUN
fsr-3615	391	2	and	and	CCONJ
fsr-3615	391	3	use	use	NOUN
fsr-3615	391	4	of	of	ADP
fsr-3615	391	5	stimulus	stimulus	ADJ
fsr-3615	391	6	payments	payment	NOUN
fsr-3615	391	7	in	in	ADP
fsr-3615	391	8	the	the	DET
fsr-3615	391	9	time	time	NOUN
fsr-3615	391	10	of	of	ADP
fsr-3615	391	11	the	the	DET
fsr-3615	391	12	covid-19	covid-19	PROPN
fsr-3615	391	13	pandemic	pandemic	NOUN
fsr-3615	391	14	.	.	PUNCT
fsr-3615	392	1	u.s	u.s	PROPN
fsr-3615	392	2	.	.	PROPN
fsr-3615	392	3	bureau	bureau	PROPN
fsr-3615	392	4	of	of	ADP
fsr-3615	392	5	labor	labor	PROPN
fsr-3615	392	6	statistics	statistic	NOUN
fsr-3615	392	7	.	.	PUNCT
fsr-3615	393	1	https://www.bls.gov/opub/btn/volume9/pdf/receipt-and-use-of-stimuluspayments-in-the-time-of-the-covid-19pandemic.pdf	https://www.bls.gov/opub/btn/volume9/pdf/receipt-and-use-of-stimuluspayments-in-the-time-of-the-covid-19pandemic.pdf	PROPN
fsr-3615	393	2	.	.	PUNCT
fsr-3615	393	3	garrison	garrison	PROPN
fsr-3615	393	4	,	,	PUNCT
fsr-3615	393	5	s.t	s.t	PROPN
fsr-3615	393	6	.	.	PROPN
fsr-3615	393	7	,	,	PUNCT
fsr-3615	393	8	rampold	rampold	PROPN
fsr-3615	393	9	,	,	PUNCT
fsr-3615	393	10	s.d	s.d	PROPN
fsr-3615	393	11	.	.	PROPN
fsr-3615	393	12	,	,	PUNCT
fsr-3615	393	13	vasquez	vasquez	PROPN
fsr-3615	393	14	,	,	PUNCT
fsr-3615	393	15	k.	k.	PROPN
fsr-3615	393	16	,	,	PUNCT
fsr-3615	393	17	gillen	gillen	PROPN
fsr-3615	393	18	,	,	PUNCT
fsr-3615	393	19	m.	m.	NOUN
fsr-3615	393	20	&	&	CCONJ
fsr-3615	393	21	baker	baker	PROPN
fsr-3615	393	22	,	,	PUNCT
fsr-3615	393	23	l.m	l.m	PROPN
fsr-3615	393	24	.	.	PROPN
fsr-3615	393	25	(	(	PUNCT
fsr-3615	393	26	2022	2022	NUM
fsr-3615	393	27	)	)	PUNCT
fsr-3615	393	28	.	.	PUNCT
fsr-3615	394	1	parents	parent	NOUN
fsr-3615	394	2	'	'	PART
fsr-3615	394	3	employment	employment	NOUN
fsr-3615	394	4	,	,	PUNCT
fsr-3615	394	5	income	income	NOUN
fsr-3615	394	6	,	,	PUNCT
fsr-3615	394	7	and	and	CCONJ
fsr-3615	394	8	finances	finance	NOUN
fsr-3615	394	9	before	before	ADP
fsr-3615	394	10	and	and	CCONJ
fsr-3615	394	11	during	during	ADP
fsr-3615	394	12	the	the	DET
fsr-3615	394	13	covid19	covid19	NOUN
fsr-3615	394	14	pandemic	pandemic	ADJ
fsr-3615	394	15	.	.	PUNCT
fsr-3615	394	16	journal	journal	PROPN
fsr-3615	394	17	of	of	ADP
fsr-3615	394	18	consumer	consumer	NOUN
fsr-3615	394	19	affairs	affair	NOUN
fsr-3615	394	20	.	.	PUNCT
fsr-3615	395	1	56(1	56(1	NUM
fsr-3615	395	2	)	)	PUNCT
fsr-3615	395	3	,	,	PUNCT
fsr-3615	395	4	276	276	NUM
fsr-3615	395	5	-	-	SYM
fsr-3615	395	6	291	291	NUM
fsr-3615	395	7	.	.	PUNCT
fsr-3615	396	1	gasiorowska	gasiorowska	PROPN
fsr-3615	396	2	,	,	PUNCT
fsr-3615	396	3	a.	a.	NOUN
fsr-3615	396	4	(	(	PUNCT
fsr-3615	396	5	2014	2014	NUM
fsr-3615	396	6	)	)	PUNCT
fsr-3615	396	7	.	.	PUNCT
fsr-3615	397	1	the	the	DET
fsr-3615	397	2	relationship	relationship	NOUN
fsr-3615	397	3	between	between	ADP
fsr-3615	397	4	objective	objective	ADJ
fsr-3615	397	5	and	and	CCONJ
fsr-3615	397	6	subjective	subjective	ADJ
fsr-3615	397	7	wealth	wealth	NOUN
fsr-3615	397	8	is	be	AUX
fsr-3615	397	9	moderated	moderate	VERB
fsr-3615	397	10	by	by	ADP
fsr-3615	397	11	financial	financial	ADJ
fsr-3615	397	12	control	control	NOUN
fsr-3615	397	13	and	and	CCONJ
fsr-3615	397	14	mediated	mediate	VERB
fsr-3615	397	15	by	by	ADP
fsr-3615	397	16	money	money	NOUN
fsr-3615	397	17	anxiety	anxiety	NOUN
fsr-3615	397	18	.	.	PUNCT
fsr-3615	398	1	journal	journal	NOUN
fsr-3615	398	2	of	of	ADP
fsr-3615	398	3	economic	economic	ADJ
fsr-3615	398	4	psychology	psychology	NOUN
fsr-3615	398	5	,	,	PUNCT
fsr-3615	398	6	43	43	NUM
fsr-3615	398	7	,	,	PUNCT
fsr-3615	398	8	64	64	NUM
fsr-3615	398	9	-	-	SYM
fsr-3615	398	10	74	74	NUM
fsr-3615	398	11	.	.	PUNCT
fsr-3615	399	1	http://dx.doi.org/10.1016/j.joep.2014.04	http://dx.doi.org/10.1016/j.joep.2014.04	PROPN
fsr-3615	399	2	.	.	PUNCT
fsr-3615	400	1	007	007	NUM
fsr-3615	400	2	ghilarducci	ghilarducci	PROPN
fsr-3615	400	3	,	,	PUNCT
fsr-3615	400	4	t.	t.	PROPN
fsr-3615	400	5	,	,	PUNCT
fsr-3615	400	6	radpour	radpour	NOUN
fsr-3615	400	7	,	,	PUNCT
fsr-3615	400	8	s.	s.	PROPN
fsr-3615	400	9	,	,	PUNCT
fsr-3615	400	10	&	&	CCONJ
fsr-3615	400	11	webb	webb	PROPN
fsr-3615	400	12	,	,	PUNCT
fsr-3615	400	13	a.	a.	NOUN
fsr-3615	400	14	(	(	PUNCT
fsr-3615	400	15	2019	2019	NUM
fsr-3615	400	16	,	,	PUNCT
fsr-3615	400	17	spring	spring	NOUN
fsr-3615	400	18	)	)	PUNCT
fsr-3615	400	19	.	.	PUNCT
fsr-3615	401	1	new	new	ADJ
fsr-3615	401	2	evidence	evidence	NOUN
fsr-3615	401	3	on	on	ADP
fsr-3615	401	4	the	the	DET
fsr-3615	401	5	effect	effect	NOUN
fsr-3615	401	6	of	of	ADP
fsr-3615	401	7	economic	economic	ADJ
fsr-3615	401	8	shocks	shock	NOUN
fsr-3615	401	9	on	on	ADP
fsr-3615	401	10	retirement	retirement	NOUN
fsr-3615	401	11	plan	plan	NOUN
fsr-3615	401	12	withdrawals	withdrawal	NOUN
fsr-3615	401	13	.	.	PUNCT
fsr-3615	402	1	the	the	DET
fsr-3615	402	2	journal	journal	NOUN
fsr-3615	402	3	of	of	ADP
fsr-3615	402	4	retirement	retirement	NOUN
fsr-3615	402	5	.	.	PUNCT
fsr-3615	403	1	gillers	giller	NOUN
fsr-3615	403	2	,	,	PUNCT
fsr-3615	403	3	h.	h.	PROPN
fsr-3615	403	4	,	,	PUNCT
fsr-3615	403	5	tergesen	tergesen	PROPN
fsr-3615	403	6	,	,	PUNCT
fsr-3615	403	7	a.	a.	PROPN
fsr-3615	403	8	,	,	PUNCT
fsr-3615	403	9	&	&	CCONJ
fsr-3615	403	10	scism	scism	NOUN
fsr-3615	403	11	,	,	PUNCT
fsr-3615	403	12	l.	l.	PROPN
fsr-3615	403	13	(	(	PUNCT
fsr-3615	403	14	2018	2018	NUM
fsr-3615	403	15	)	)	PUNCT
fsr-3615	403	16	.	.	PUNCT
fsr-3615	404	1	a	a	DET
fsr-3615	404	2	generation	generation	NOUN
fsr-3615	404	3	of	of	ADP
fsr-3615	404	4	americans	americans	PROPN
fsr-3615	404	5	is	be	AUX
fsr-3615	404	6	entering	enter	VERB
fsr-3615	404	7	old	old	ADJ
fsr-3615	404	8	age	age	NOUN
fsr-3615	404	9	the	the	DET
fsr-3615	404	10	least	least	ADV
fsr-3615	404	11	prepared	prepare	VERB
fsr-3615	404	12	in	in	ADP
fsr-3615	404	13	decades	decade	NOUN
fsr-3615	404	14	.	.	PUNCT
fsr-3615	405	1	the	the	DET
fsr-3615	405	2	wall	wall	PROPN
fsr-3615	405	3	street	street	PROPN
fsr-3615	405	4	journal	journal	PROPN
fsr-3615	405	5	,	,	PUNCT
fsr-3615	405	6	22	22	NUM
fsr-3615	405	7	.	.	PUNCT
fsr-3615	405	8	glass	glass	NOUN
fsr-3615	405	9	,	,	PUNCT
fsr-3615	405	10	d.	d.	PROPN
fsr-3615	405	11	c.	c.	PROPN
fsr-3615	405	12	,	,	PUNCT
fsr-3615	405	13	singer	singer	NOUN
fsr-3615	405	14	,	,	PUNCT
fsr-3615	405	15	j.	j.	PROPN
fsr-3615	405	16	e.	e.	PROPN
fsr-3615	405	17	,	,	PUNCT
fsr-3615	405	18	leonard	leonard	PROPN
fsr-3615	405	19	,	,	PUNCT
fsr-3615	405	20	h.	h.	PROPN
fsr-3615	405	21	s.	s.	PROPN
fsr-3615	405	22	,	,	PUNCT
fsr-3615	405	23	krantz	krantz	PROPN
fsr-3615	405	24	,	,	PUNCT
fsr-3615	405	25	d.	d.	PROPN
fsr-3615	405	26	,	,	PUNCT
fsr-3615	405	27	cohen	cohen	PROPN
fsr-3615	405	28	,	,	PUNCT
fsr-3615	405	29	s.	s.	PROPN
fsr-3615	405	30	,	,	PUNCT
fsr-3615	405	31	&	&	CCONJ
fsr-3615	405	32	cummings	cummings	PROPN
fsr-3615	405	33	,	,	PUNCT
fsr-3615	405	34	h.	h.	PROPN
fsr-3615	405	35	(	(	PUNCT
fsr-3615	405	36	1973	1973	NUM
fsr-3615	405	37	)	)	PUNCT
fsr-3615	405	38	.	.	PUNCT
fsr-3615	406	1	perceived	perceive	VERB
fsr-3615	406	2	control	control	NOUN
fsr-3615	406	3	of	of	ADP
fsr-3615	406	4	aversive	aversive	ADJ
fsr-3615	406	5	stimulation	stimulation	NOUN
fsr-3615	406	6	and	and	CCONJ
fsr-3615	406	7	the	the	DET
fsr-3615	406	8	reduction	reduction	NOUN
fsr-3615	406	9	of	of	ADP
fsr-3615	406	10	stress	stress	NOUN
fsr-3615	406	11	responses	response	NOUN
fsr-3615	406	12	.	.	PUNCT
fsr-3615	407	1	journal	journal	NOUN
fsr-3615	407	2	of	of	ADP
fsr-3615	407	3	personality	personality	NOUN
fsr-3615	407	4	,	,	PUNCT
fsr-3615	407	5	41(4	41(4	NUM
fsr-3615	407	6	)	)	PUNCT
fsr-3615	407	7	,	,	PUNCT
fsr-3615	407	8	577	577	NUM
fsr-3615	407	9	-	-	SYM
fsr-3615	407	10	595	595	NUM
fsr-3615	407	11	.	.	PUNCT
fsr-3615	408	1	goel	goel	PROPN
fsr-3615	408	2	,	,	PUNCT
fsr-3615	408	3	a.	a.	PROPN
fsr-3615	408	4	,	,	PUNCT
fsr-3615	408	5	&	&	CCONJ
fsr-3615	408	6	rastogi	rastogi	PROPN
fsr-3615	408	7	,	,	PUNCT
fsr-3615	408	8	s.	s.	PROPN
fsr-3615	408	9	(	(	PUNCT
fsr-3615	408	10	2023	2023	NUM
fsr-3615	408	11	)	)	PUNCT
fsr-3615	408	12	.	.	PUNCT
fsr-3615	409	1	understanding	understand	VERB
fsr-3615	409	2	the	the	DET
fsr-3615	409	3	impact	impact	NOUN
fsr-3615	409	4	of	of	ADP
fsr-3615	409	5	borrowers	borrower	NOUN
fsr-3615	409	6	'	'	PART
fsr-3615	409	7	behavioural	behavioural	ADJ
fsr-3615	409	8	and	and	CCONJ
fsr-3615	409	9	psychological	psychological	ADJ
fsr-3615	409	10	traits	trait	NOUN
fsr-3615	409	11	on	on	ADP
fsr-3615	409	12	credit	credit	NOUN
fsr-3615	409	13	default	default	NOUN
fsr-3615	409	14	:	:	PUNCT
fsr-3615	409	15	review	review	NOUN
fsr-3615	409	16	and	and	CCONJ
fsr-3615	409	17	conceptual	conceptual	ADJ
fsr-3615	409	18	model	model	NOUN
fsr-3615	409	19	.	.	PUNCT
fsr-3615	410	1	review	review	NOUN
fsr-3615	410	2	of	of	ADP
fsr-3615	410	3	behavioral	behavioral	ADJ
fsr-3615	410	4	finance	finance	NOUN
fsr-3615	410	5	,	,	PUNCT
fsr-3615	410	6	15(2	15(2	NUM
fsr-3615	410	7	)	)	PUNCT
fsr-3615	410	8	,	,	PUNCT
fsr-3615	410	9	205	205	NUM
fsr-3615	410	10	-	-	SYM
fsr-3615	410	11	223	223	NUM
fsr-3615	410	12	.	.	PUNCT
fsr-3615	411	1	grable	grable	PROPN
fsr-3615	411	2	,	,	PUNCT
fsr-3615	411	3	j.	j.	PROPN
fsr-3615	411	4	e.	e.	PROPN
fsr-3615	411	5	,	,	PUNCT
fsr-3615	411	6	park	park	PROPN
fsr-3615	411	7	,	,	PUNCT
fsr-3615	411	8	j.	j.	PROPN
fsr-3615	411	9	y.	y.	PROPN
fsr-3615	411	10	,	,	PUNCT
fsr-3615	411	11	&	&	CCONJ
fsr-3615	411	12	joo	joo	PROPN
fsr-3615	411	13	,	,	PUNCT
fsr-3615	411	14	s.	s.	PROPN
fsr-3615	411	15	h.	h.	PROPN
fsr-3615	411	16	(	(	PUNCT
fsr-3615	411	17	2009	2009	NUM
fsr-3615	411	18	)	)	PUNCT
fsr-3615	411	19	.	.	PUNCT
fsr-3615	412	1	explaining	explain	VERB
fsr-3615	412	2	financial	financial	ADJ
fsr-3615	412	3	management	management	NOUN
fsr-3615	412	4	behavior	behavior	NOUN
fsr-3615	412	5	for	for	ADP
fsr-3615	412	6	koreans	koreans	PROPN
fsr-3615	412	7	living	live	VERB
fsr-3615	412	8	in	in	ADP
fsr-3615	412	9	the	the	DET
fsr-3615	412	10	united	united	PROPN
fsr-3615	412	11	states	states	PROPN
fsr-3615	412	12	.	.	PUNCT
fsr-3615	413	1	journal	journal	PROPN
fsr-3615	413	2	of	of	ADP
fsr-3615	413	3	consumer	consumer	NOUN
fsr-3615	413	4	affairs	affair	NOUN
fsr-3615	413	5	,	,	PUNCT
fsr-3615	413	6	43(1	43(1	NOUN
fsr-3615	413	7	)	)	PUNCT
fsr-3615	413	8	,	,	PUNCT
fsr-3615	413	9	80	80	NUM
fsr-3615	413	10	-	-	SYM
fsr-3615	413	11	107	107	NUM
fsr-3615	413	12	.	.	PUNCT
fsr-3615	414	1	grable	grable	PROPN
fsr-3615	414	2	,	,	PUNCT
fsr-3615	414	3	j.	j.	PROPN
fsr-3615	414	4	,	,	PUNCT
fsr-3615	414	5	kwak	kwak	PROPN
fsr-3615	414	6	,	,	PUNCT
fsr-3615	414	7	e.	e.	PROPN
fsr-3615	414	8	j.	j.	PROPN
fsr-3615	414	9	,	,	PUNCT
fsr-3615	414	10	&	&	CCONJ
fsr-3615	414	11	archuleta	archuleta	PROPN
fsr-3615	414	12	,	,	PUNCT
fsr-3615	414	13	k.	k.	PROPN
fsr-3615	414	14	(	(	PUNCT
fsr-3615	414	15	2023	2023	NUM
fsr-3615	414	16	)	)	PUNCT
fsr-3615	414	17	.	.	PUNCT
fsr-3615	415	1	distrust	distrust	NOUN
fsr-3615	415	2	of	of	ADP
fsr-3615	415	3	banks	bank	NOUN
fsr-3615	415	4	among	among	ADP
fsr-3615	415	5	the	the	DET
fsr-3615	415	6	unbanked	unbanked	ADJ
fsr-3615	415	7	and	and	CCONJ
fsr-3615	415	8	banked	banked	ADJ
fsr-3615	415	9	.	.	PUNCT
fsr-3615	416	1	international	international	ADJ
fsr-3615	416	2	journal	journal	PROPN
fsr-3615	416	3	of	of	ADP
fsr-3615	416	4	bank	bank	PROPN
fsr-3615	416	5	marketing	marketing	NOUN
fsr-3615	416	6	,	,	PUNCT
fsr-3615	416	7	41(6	41(6	NOUN
fsr-3615	416	8	)	)	PUNCT
fsr-3615	416	9	,	,	PUNCT
fsr-3615	416	10	1498	1498	NUM
fsr-3615	416	11	-	-	SYM
fsr-3615	416	12	1520	1520	NUM
fsr-3615	416	13	.	.	PUNCT
fsr-3615	417	1	grable	grable	PROPN
fsr-3615	417	2	,	,	PUNCT
fsr-3615	417	3	j.	j.	PROPN
fsr-3615	417	4	e.	e.	PROPN
fsr-3615	417	5	,	,	PUNCT
fsr-3615	417	6	&	&	CCONJ
fsr-3615	417	7	palmer	palmer	PROPN
fsr-3615	417	8	,	,	PUNCT
fsr-3615	417	9	l.	l.	PROPN
fsr-3615	417	10	(	(	PUNCT
fsr-3615	417	11	2022	2022	NUM
fsr-3615	417	12	)	)	PUNCT
fsr-3615	417	13	.	.	PUNCT
fsr-3615	418	1	introduction	introduction	NOUN
fsr-3615	418	2	to	to	ADP
fsr-3615	418	3	personal	personal	ADJ
fsr-3615	418	4	finance	finance	NOUN
fsr-3615	418	5	:	:	PUNCT
fsr-3615	418	6	beginning	begin	VERB
fsr-3615	418	7	your	your	PRON
fsr-3615	418	8	financial	financial	ADJ
fsr-3615	418	9	journey	journey	NOUN
fsr-3615	418	10	.	.	PUNCT
fsr-3615	419	1	john	john	PROPN
fsr-3615	419	2	wiley	wiley	PROPN
fsr-3615	419	3	&	&	CCONJ
fsr-3615	419	4	sons	son	NOUN
fsr-3615	419	5	.	.	PUNCT
fsr-3615	420	1	guvenen	guvenen	PROPN
fsr-3615	420	2	,	,	PUNCT
fsr-3615	420	3	f.	f.	PROPN
fsr-3615	420	4	,	,	PUNCT
fsr-3615	420	5	pistaferri	pistaferri	PROPN
fsr-3615	420	6	,	,	PUNCT
fsr-3615	420	7	l.	l.	PROPN
fsr-3615	420	8	,	,	PUNCT
fsr-3615	420	9	&	&	CCONJ
fsr-3615	420	10	violante	violante	PROPN
fsr-3615	420	11	,	,	PUNCT
fsr-3615	420	12	g.	g.	PROPN
fsr-3615	420	13	l.	l.	PROPN
fsr-3615	420	14	(	(	PUNCT
fsr-3615	420	15	2022	2022	NUM
fsr-3615	420	16	)	)	PUNCT
fsr-3615	420	17	.	.	PUNCT
fsr-3615	421	1	global	global	ADJ
fsr-3615	421	2	trends	trend	NOUN
fsr-3615	421	3	in	in	ADP
fsr-3615	421	4	income	income	NOUN
fsr-3615	421	5	inequality	inequality	NOUN
fsr-3615	421	6	and	and	CCONJ
fsr-3615	421	7	income	income	NOUN
fsr-3615	421	8	dynamics	dynamic	NOUN
fsr-3615	421	9	:	:	PUNCT
fsr-3615	421	10	new	new	ADJ
fsr-3615	421	11	insights	insight	NOUN
fsr-3615	421	12	from	from	ADP
fsr-3615	421	13	grid	grid	NOUN
fsr-3615	421	14	.	.	PUNCT
fsr-3615	422	1	quantitative	quantitative	ADJ
fsr-3615	422	2	economics	economic	NOUN
fsr-3615	422	3	,	,	PUNCT
fsr-3615	422	4	13(4	13(4	NUM
fsr-3615	422	5	)	)	PUNCT
fsr-3615	422	6	,	,	PUNCT
fsr-3615	422	7	1321	1321	NUM
fsr-3615	422	8	-	-	SYM
fsr-3615	422	9	1360	1360	NUM
fsr-3615	422	10	.	.	PUNCT
fsr-3615	423	1	hayes	hayes	PROPN
fsr-3615	423	2	,	,	PUNCT
fsr-3615	423	3	a.	a.	PROPN
fsr-3615	423	4	f.	f.	PROPN
fsr-3615	423	5	(	(	PUNCT
fsr-3615	423	6	2013	2013	NUM
fsr-3615	423	7	)	)	PUNCT
fsr-3615	423	8	.	.	PUNCT
fsr-3615	424	1	introduction	introduction	NOUN
fsr-3615	424	2	to	to	ADP
fsr-3615	424	3	mediation	mediation	NOUN
fsr-3615	424	4	,	,	PUNCT
fsr-3615	424	5	moderation	moderation	NOUN
fsr-3615	424	6	,	,	PUNCT
fsr-3615	424	7	and	and	CCONJ
fsr-3615	424	8	conditional	conditional	ADJ
fsr-3615	424	9	process	process	NOUN
fsr-3615	424	10	analysis	analysis	NOUN
fsr-3615	424	11	.	.	PUNCT
fsr-3615	425	1	a	a	DET
fsr-3615	425	2	regression	regression	NOUN
fsr-3615	425	3	-	-	PUNCT
fsr-3615	425	4	based	base	VERB
fsr-3615	425	5	approach	approach	NOUN
fsr-3615	425	6	.	.	PUNCT
fsr-3615	426	1	new	new	PROPN
fsr-3615	426	2	york	york	PROPN
fsr-3615	426	3	,	,	PUNCT
fsr-3615	426	4	ny	ny	PROPN
fsr-3615	426	5	:	:	PUNCT
fsr-3615	426	6	the	the	DET
fsr-3615	426	7	guilford	guilford	PROPN
fsr-3615	426	8	press	press	PROPN
fsr-3615	426	9	.	.	PUNCT
fsr-3615	427	1	heo	heo	PROPN
fsr-3615	427	2	,	,	PUNCT
fsr-3615	427	3	w.	w.	PROPN
fsr-3615	427	4	,	,	PUNCT
fsr-3615	427	5	nobre	nobre	PROPN
fsr-3615	427	6	,	,	PUNCT
fsr-3615	427	7	l.	l.	PROPN
fsr-3615	427	8	h.	h.	PROPN
fsr-3615	427	9	n.	n.	PROPN
fsr-3615	427	10	,	,	PUNCT
fsr-3615	427	11	grable	grable	PROPN
fsr-3615	427	12	,	,	PUNCT
fsr-3615	427	13	j.	j.	PROPN
fsr-3615	427	14	e.	e.	PROPN
fsr-3615	427	15	,	,	PUNCT
fsr-3615	427	16	&	&	CCONJ
fsr-3615	427	17	ruizmenjivar	ruizmenjivar	PROPN
fsr-3615	427	18	,	,	PUNCT
fsr-3615	427	19	j.	j.	PROPN
fsr-3615	427	20	(	(	PUNCT
fsr-3615	427	21	2016	2016	NUM
fsr-3615	427	22	)	)	PUNCT
fsr-3615	427	23	.	.	PUNCT
fsr-3615	428	1	what	what	PRON
fsr-3615	428	2	role	role	NOUN
fsr-3615	428	3	does	do	AUX
fsr-3615	428	4	financial	financial	ADJ
fsr-3615	428	5	risk	risk	NOUN
fsr-3615	428	6	tolerance	tolerance	NOUN
fsr-3615	428	7	play	play	NOUN
fsr-3615	428	8	in	in	ADP
fsr-3615	428	9	mediating	mediate	VERB
fsr-3615	428	10	investing	investing	NOUN
fsr-3615	428	11	behavior	behavior	NOUN
fsr-3615	428	12	?	?	PUNCT
fsr-3615	429	1	journal	journal	NOUN
fsr-3615	429	2	of	of	ADP
fsr-3615	429	3	financial	financial	ADJ
fsr-3615	429	4	service	service	NOUN
fsr-3615	429	5	professionals	professional	NOUN
fsr-3615	429	6	,	,	PUNCT
fsr-3615	429	7	70(5	70(5	NUM
fsr-3615	429	8	)	)	PUNCT
fsr-3615	429	9	.	.	PUNCT
fsr-3615	430	1	ibrahim	ibrahim	PROPN
fsr-3615	430	2	,	,	PUNCT
fsr-3615	430	3	m.	m.	PROPN
fsr-3615	430	4	e.	e.	PROPN
fsr-3615	430	5	,	,	PUNCT
fsr-3615	430	6	&	&	CCONJ
fsr-3615	430	7	alqaydi	alqaydi	VERB
fsr-3615	430	8	,	,	PUNCT
fsr-3615	430	9	f.	f.	PROPN
fsr-3615	430	10	r.	r.	PROPN
fsr-3615	430	11	(	(	PUNCT
fsr-3615	430	12	2013	2013	NUM
fsr-3615	430	13	)	)	PUNCT
fsr-3615	430	14	.	.	PUNCT
fsr-3615	431	1	financial	financial	ADJ
fsr-3615	431	2	literacy	literacy	NOUN
fsr-3615	431	3	,	,	PUNCT
fsr-3615	431	4	personal	personal	ADJ
fsr-3615	431	5	financial	financial	ADJ
fsr-3615	431	6	attitude	attitude	NOUN
fsr-3615	431	7	,	,	PUNCT
fsr-3615	431	8	and	and	CCONJ
fsr-3615	431	9	forms	form	NOUN
fsr-3615	431	10	of	of	ADP
fsr-3615	431	11	personal	personal	ADJ
fsr-3615	431	12	debt	debt	NOUN
fsr-3615	431	13	among	among	ADP
fsr-3615	431	14	residents	resident	NOUN
fsr-3615	431	15	of	of	ADP
fsr-3615	431	16	the	the	DET
fsr-3615	431	17	uae	uae	PROPN
fsr-3615	431	18	.	.	PUNCT
fsr-3615	431	19	international	international	PROPN
fsr-3615	431	20	journal	journal	PROPN
fsr-3615	431	21	of	of	ADP
fsr-3615	431	22	economics	economic	NOUN
fsr-3615	431	23	and	and	CCONJ
fsr-3615	431	24	finance	finance	NOUN
fsr-3615	431	25	,	,	PUNCT
fsr-3615	431	26	5(7	5(7	NUM
fsr-3615	431	27	)	)	PUNCT
fsr-3615	431	28	,	,	PUNCT
fsr-3615	431	29	126	126	NUM
fsr-3615	431	30	-	-	SYM
fsr-3615	431	31	138	138	NUM
fsr-3615	431	32	.	.	PUNCT
fsr-3615	432	1	https://doi.org/10.1016/j.joep.2010.01.012	https://doi.org/10.1016/j.joep.2010.01.012	ADJ
fsr-3615	432	2	https://doi.org/10.1016/j.joep.2010.01.012	https://doi.org/10.1016/j.joep.2010.01.012	PROPN
fsr-3615	432	3	https://www.bls.gov/opub/btn/volume-9/pdf/receipt-and-use-of-stimulus-payments-in-the-time-of-the-covid-19-pandemic.pdf	https://www.bls.gov/opub/btn/volume-9/pdf/receipt-and-use-of-stimulus-payments-in-the-time-of-the-covid-19-pandemic.pdf	NOUN
fsr-3615	432	4	https://www.bls.gov/opub/btn/volume-9/pdf/receipt-and-use-of-stimulus-payments-in-the-time-of-the-covid-19-pandemic.pdf	https://www.bls.gov/opub/btn/volume-9/pdf/receipt-and-use-of-stimulus-payments-in-the-time-of-the-covid-19-pandemic.pdf	NOUN
fsr-3615	432	5	https://www.bls.gov/opub/btn/volume-9/pdf/receipt-and-use-of-stimulus-payments-in-the-time-of-the-covid-19-pandemic.pdf	https://www.bls.gov/opub/btn/volume-9/pdf/receipt-and-use-of-stimulus-payments-in-the-time-of-the-covid-19-pandemic.pdf	NOUN
fsr-3615	432	6	https://www.bls.gov/opub/btn/volume-9/pdf/receipt-and-use-of-stimulus-payments-in-the-time-of-the-covid-19-pandemic.pdf	https://www.bls.gov/opub/btn/volume-9/pdf/receipt-and-use-of-stimulus-payments-in-the-time-of-the-covid-19-pandemic.pdf	NOUN
fsr-3615	432	7	http://dx.doi.org/10.1016/j.joep.2014.04.007	http://dx.doi.org/10.1016/j.joep.2014.04.007	NOUN
fsr-3615	432	8	http://dx.doi.org/10.1016/j.joep.2014.04.007	http://dx.doi.org/10.1016/j.joep.2014.04.007	ADJ
fsr-3615	432	9	financial	financial	ADJ
fsr-3615	432	10	services	service	NOUN
fsr-3615	432	11	review	review	NOUN
fsr-3615	432	12	,	,	PUNCT
fsr-3615	432	13	33(1	33(1	NUM
fsr-3615	432	14	)	)	PUNCT
fsr-3615	432	15	20	20	NUM
fsr-3615	432	16	imai	imai	PROPN
fsr-3615	432	17	,	,	PUNCT
fsr-3615	432	18	k.	k.	PROPN
fsr-3615	432	19	,	,	PUNCT
fsr-3615	432	20	jo	jo	PROPN
fsr-3615	432	21	,	,	PUNCT
fsr-3615	432	22	b.	b.	PROPN
fsr-3615	432	23	,	,	PUNCT
fsr-3615	432	24	&	&	CCONJ
fsr-3615	432	25	stuart	stuart	PROPN
fsr-3615	432	26	,	,	PUNCT
fsr-3615	432	27	e.	e.	PROPN
fsr-3615	432	28	a.	a.	PROPN
fsr-3615	432	29	(	(	PUNCT
fsr-3615	432	30	2011	2011	NUM
fsr-3615	432	31	)	)	PUNCT
fsr-3615	432	32	.	.	PUNCT
fsr-3615	433	1	commentary	commentary	NOUN
fsr-3615	433	2	:	:	PUNCT
fsr-3615	433	3	using	use	VERB
fsr-3615	433	4	potential	potential	ADJ
fsr-3615	433	5	outcomes	outcome	NOUN
fsr-3615	433	6	to	to	PART
fsr-3615	433	7	understand	understand	VERB
fsr-3615	433	8	causal	causal	ADJ
fsr-3615	433	9	mediation	mediation	NOUN
fsr-3615	433	10	analysis	analysis	NOUN
fsr-3615	433	11	.	.	PUNCT
fsr-3615	434	1	multivariate	multivariate	VERB
fsr-3615	434	2	behavioral	behavioral	ADJ
fsr-3615	434	3	research	research	NOUN
fsr-3615	434	4	,	,	PUNCT
fsr-3615	434	5	46(5	46(5	NOUN
fsr-3615	434	6	)	)	PUNCT
fsr-3615	434	7	,	,	PUNCT
fsr-3615	434	8	842	842	NUM
fsr-3615	434	9	-	-	SYM
fsr-3615	434	10	854	854	NUM
fsr-3615	434	11	.	.	PUNCT
fsr-3615	434	12	https://doi.org/10.1080/00273171.2011	https://doi.org/10.1080/00273171.2011	NUM
fsr-3615	434	13	.	.	PUNCT
fsr-3615	435	1	606743	606743	NUM
fsr-3615	435	2	immordino	immordino	NOUN
fsr-3615	435	3	,	,	PUNCT
fsr-3615	435	4	g.	g.	PROPN
fsr-3615	435	5	,	,	PUNCT
fsr-3615	435	6	jappelli	jappelli	PROPN
fsr-3615	435	7	,	,	PUNCT
fsr-3615	435	8	t.	t.	PROPN
fsr-3615	435	9	,	,	PUNCT
fsr-3615	435	10	oliviero	oliviero	NOUN
fsr-3615	435	11	,	,	PUNCT
fsr-3615	435	12	t.	t.	NOUN
fsr-3615	435	13	,	,	PUNCT
fsr-3615	435	14	&	&	CCONJ
fsr-3615	435	15	zazzaro	zazzaro	NOUN
fsr-3615	435	16	,	,	PUNCT
fsr-3615	435	17	a.	a.	NOUN
fsr-3615	435	18	(	(	PUNCT
fsr-3615	435	19	2022	2022	NUM
fsr-3615	435	20	)	)	PUNCT
fsr-3615	435	21	.	.	PUNCT
fsr-3615	436	1	fear	fear	NOUN
fsr-3615	436	2	of	of	ADP
fsr-3615	436	3	covid‐19	covid‐19	PROPN
fsr-3615	436	4	contagion	contagion	NOUN
fsr-3615	436	5	and	and	CCONJ
fsr-3615	436	6	consumption	consumption	NOUN
fsr-3615	436	7	:	:	PUNCT
fsr-3615	436	8	evidence	evidence	NOUN
fsr-3615	436	9	from	from	ADP
fsr-3615	436	10	a	a	DET
fsr-3615	436	11	survey	survey	NOUN
fsr-3615	436	12	of	of	ADP
fsr-3615	436	13	italian	italian	ADJ
fsr-3615	436	14	households	household	NOUN
fsr-3615	436	15	.	.	PUNCT
fsr-3615	437	1	health	health	NOUN
fsr-3615	437	2	economics	economic	NOUN
fsr-3615	437	3	,	,	PUNCT
fsr-3615	437	4	31(3	31(3	NUM
fsr-3615	437	5	)	)	PUNCT
fsr-3615	437	6	,	,	PUNCT
fsr-3615	437	7	496	496	NUM
fsr-3615	437	8	-	-	SYM
fsr-3615	437	9	507	507	NUM
fsr-3615	437	10	.	.	PUNCT
fsr-3615	437	11	kamakura	kamakura	PROPN
fsr-3615	437	12	,	,	PUNCT
fsr-3615	437	13	w.	w.	PROPN
fsr-3615	437	14	a.	a.	PROPN
fsr-3615	437	15	&	&	CCONJ
fsr-3615	437	16	du	du	PROPN
fsr-3615	437	17	,	,	PUNCT
fsr-3615	437	18	r.	r.	PROPN
fsr-3615	437	19	y.	y.	PROPN
fsr-3615	437	20	2012	2012	NUM
fsr-3615	437	21	.	.	PUNCT
fsr-3615	438	1	how	how	SCONJ
fsr-3615	438	2	economic	economic	ADJ
fsr-3615	438	3	contractions	contraction	NOUN
fsr-3615	438	4	and	and	CCONJ
fsr-3615	438	5	expansions	expansion	NOUN
fsr-3615	438	6	affect	affect	VERB
fsr-3615	438	7	expenditure	expenditure	NOUN
fsr-3615	438	8	patterns	pattern	NOUN
fsr-3615	438	9	.	.	PUNCT
fsr-3615	439	1	journal	journal	NOUN
fsr-3615	439	2	of	of	ADP
fsr-3615	439	3	consumer	consumer	NOUN
fsr-3615	439	4	research	research	NOUN
fsr-3615	439	5	39(2	39(2	NUM
fsr-3615	439	6	)	)	PUNCT
fsr-3615	439	7	,	,	PUNCT
fsr-3615	439	8	229	229	NUM
fsr-3615	439	9	-	-	SYM
fsr-3615	439	10	247	247	NUM
fsr-3615	439	11	.	.	PUNCT
fsr-3615	440	1	kim	kim	PROPN
fsr-3615	440	2	,	,	PUNCT
fsr-3615	440	3	k.	k.	PROPN
fsr-3615	440	4	t.	t.	PROPN
fsr-3615	440	5	,	,	PUNCT
fsr-3615	440	6	lee	lee	PROPN
fsr-3615	440	7	,	,	PUNCT
fsr-3615	440	8	j.	j.	PROPN
fsr-3615	440	9	,	,	PUNCT
fsr-3615	440	10	&	&	CCONJ
fsr-3615	440	11	hanna	hanna	PROPN
fsr-3615	440	12	,	,	PUNCT
fsr-3615	440	13	s.	s.	PROPN
fsr-3615	440	14	d.	d.	PROPN
fsr-3615	440	15	(	(	PUNCT
fsr-3615	440	16	2019	2019	NUM
fsr-3615	440	17	)	)	PUNCT
fsr-3615	440	18	.	.	PUNCT
fsr-3615	441	1	the	the	DET
fsr-3615	441	2	effects	effect	NOUN
fsr-3615	441	3	of	of	ADP
fsr-3615	441	4	financial	financial	ADJ
fsr-3615	441	5	literacy	literacy	NOUN
fsr-3615	441	6	overconfidence	overconfidence	NOUN
fsr-3615	441	7	on	on	ADP
fsr-3615	441	8	the	the	DET
fsr-3615	441	9	mortgage	mortgage	NOUN
fsr-3615	441	10	delinquency	delinquency	NOUN
fsr-3615	441	11	of	of	ADP
fsr-3615	441	12	u.s	u.s	PROPN
fsr-3615	441	13	.	.	PROPN
fsr-3615	441	14	households	household	NOUN
fsr-3615	441	15	.	.	PUNCT
fsr-3615	442	1	journal	journal	NOUN
fsr-3615	442	2	of	of	ADP
fsr-3615	442	3	consumer	consumer	NOUN
fsr-3615	442	4	affairs	affair	NOUN
fsr-3615	442	5	,	,	PUNCT
fsr-3615	442	6	54(2	54(2	NUM
fsr-3615	442	7	)	)	PUNCT
fsr-3615	442	8	,	,	PUNCT
fsr-3615	442	9	517–540	517–540	NUM
fsr-3615	442	10	.	.	PUNCT
fsr-3615	443	1	klapper	klapper	PROPN
fsr-3615	443	2	,	,	PUNCT
fsr-3615	443	3	l.	l.	PROPN
fsr-3615	443	4	,	,	PUNCT
fsr-3615	443	5	&	&	CCONJ
fsr-3615	443	6	lusardi	lusardi	PROPN
fsr-3615	443	7	,	,	PUNCT
fsr-3615	443	8	a.	a.	NOUN
fsr-3615	443	9	(	(	PUNCT
fsr-3615	443	10	2020	2020	NUM
fsr-3615	443	11	)	)	PUNCT
fsr-3615	443	12	.	.	PUNCT
fsr-3615	444	1	financial	financial	ADJ
fsr-3615	444	2	literacy	literacy	NOUN
fsr-3615	444	3	and	and	CCONJ
fsr-3615	444	4	financial	financial	ADJ
fsr-3615	444	5	resilience	resilience	NOUN
fsr-3615	444	6	:	:	PUNCT
fsr-3615	444	7	evidence	evidence	NOUN
fsr-3615	444	8	from	from	ADP
fsr-3615	444	9	around	around	ADP
fsr-3615	444	10	the	the	DET
fsr-3615	444	11	world	world	NOUN
fsr-3615	444	12	.	.	PUNCT
fsr-3615	445	1	financial	financial	ADJ
fsr-3615	445	2	management	management	NOUN
fsr-3615	445	3	,	,	PUNCT
fsr-3615	445	4	49(3	49(3	PROPN
fsr-3615	445	5	)	)	PUNCT
fsr-3615	445	6	,	,	PUNCT
fsr-3615	445	7	589	589	NUM
fsr-3615	445	8	-	-	SYM
fsr-3615	445	9	614	614	NUM
fsr-3615	445	10	.	.	PUNCT
fsr-3615	446	1	klapper	klapper	PROPN
fsr-3615	446	2	,	,	PUNCT
fsr-3615	446	3	l.	l.	PROPN
fsr-3615	446	4	,	,	PUNCT
fsr-3615	446	5	lusardi	lusardi	PROPN
fsr-3615	446	6	,	,	PUNCT
fsr-3615	446	7	a.	a.	NOUN
fsr-3615	446	8	,	,	PUNCT
fsr-3615	446	9	&	&	CCONJ
fsr-3615	446	10	panos	panos	PROPN
fsr-3615	446	11	,	,	PUNCT
fsr-3615	446	12	g.	g.	PROPN
fsr-3615	446	13	a.	a.	PROPN
fsr-3615	446	14	(	(	PUNCT
fsr-3615	446	15	2013	2013	NUM
fsr-3615	446	16	)	)	PUNCT
fsr-3615	446	17	.	.	PUNCT
fsr-3615	447	1	financial	financial	ADJ
fsr-3615	447	2	literacy	literacy	NOUN
fsr-3615	447	3	and	and	CCONJ
fsr-3615	447	4	its	its	PRON
fsr-3615	447	5	consequences	consequence	NOUN
fsr-3615	447	6	:	:	PUNCT
fsr-3615	447	7	evidence	evidence	NOUN
fsr-3615	447	8	from	from	ADP
fsr-3615	447	9	russia	russia	PROPN
fsr-3615	447	10	during	during	ADP
fsr-3615	447	11	the	the	DET
fsr-3615	447	12	financial	financial	ADJ
fsr-3615	447	13	crisis	crisis	NOUN
fsr-3615	447	14	.	.	PUNCT
fsr-3615	448	1	journal	journal	NOUN
fsr-3615	448	2	of	of	ADP
fsr-3615	448	3	banking	banking	NOUN
fsr-3615	448	4	&	&	CCONJ
fsr-3615	448	5	finance	finance	NOUN
fsr-3615	448	6	,	,	PUNCT
fsr-3615	448	7	37(10	37(10	NUM
fsr-3615	448	8	)	)	PUNCT
fsr-3615	448	9	,	,	PUNCT
fsr-3615	448	10	3904	3904	NUM
fsr-3615	448	11	-	-	SYM
fsr-3615	448	12	3923	3923	NUM
fsr-3615	448	13	.	.	PUNCT
fsr-3615	449	1	kleimeier	kleimeier	PROPN
fsr-3615	449	2	,	,	PUNCT
fsr-3615	449	3	s.	s.	PROPN
fsr-3615	449	4	,	,	PUNCT
fsr-3615	449	5	hoffmann	hoffmann	PROPN
fsr-3615	449	6	,	,	PUNCT
fsr-3615	449	7	a.	a.	NOUN
fsr-3615	449	8	o.	o.	PROPN
fsr-3615	449	9	,	,	PUNCT
fsr-3615	449	10	broihanne	broihanne	PROPN
fsr-3615	449	11	,	,	PUNCT
fsr-3615	449	12	m.	m.	PROPN
fsr-3615	449	13	h.	h.	PROPN
fsr-3615	449	14	,	,	PUNCT
fsr-3615	449	15	plotkina	plotkina	PROPN
fsr-3615	449	16	,	,	PUNCT
fsr-3615	449	17	d.	d.	PROPN
fsr-3615	449	18	,	,	PUNCT
fsr-3615	449	19	&	&	CCONJ
fsr-3615	449	20	göritz	göritz	PROPN
fsr-3615	449	21	,	,	PUNCT
fsr-3615	449	22	a.	a.	PROPN
fsr-3615	449	23	s.	s.	PROPN
fsr-3615	449	24	(	(	PUNCT
fsr-3615	449	25	2023	2023	NUM
fsr-3615	449	26	)	)	PUNCT
fsr-3615	449	27	.	.	PUNCT
fsr-3615	450	1	determinants	determinant	NOUN
fsr-3615	450	2	of	of	ADP
fsr-3615	450	3	individuals	individual	NOUN
fsr-3615	450	4	’	'	PUNCT
fsr-3615	450	5	objective	objective	ADJ
fsr-3615	450	6	and	and	CCONJ
fsr-3615	450	7	subjective	subjective	ADJ
fsr-3615	450	8	financial	financial	ADJ
fsr-3615	450	9	fragility	fragility	NOUN
fsr-3615	450	10	during	during	ADP
fsr-3615	450	11	the	the	DET
fsr-3615	450	12	covid-19	covid-19	PROPN
fsr-3615	450	13	pandemic	pandemic	NOUN
fsr-3615	450	14	.	.	PUNCT
fsr-3615	451	1	journal	journal	PROPN
fsr-3615	451	2	of	of	ADP
fsr-3615	451	3	banking	banking	NOUN
fsr-3615	451	4	&	&	CCONJ
fsr-3615	451	5	finance	finance	PROPN
fsr-3615	451	6	,	,	PUNCT
fsr-3615	451	7	153	153	NUM
fsr-3615	451	8	,	,	PUNCT
fsr-3615	451	9	106881	106881	NUM
fsr-3615	451	10	.	.	PUNCT
fsr-3615	452	1	lea	lea	PROPN
fsr-3615	452	2	,	,	PUNCT
fsr-3615	452	3	s.	s.	PROPN
fsr-3615	452	4	e.	e.	PROPN
fsr-3615	452	5	,	,	PUNCT
fsr-3615	452	6	webley	webley	PROPN
fsr-3615	452	7	,	,	PUNCT
fsr-3615	452	8	p.	p.	PROPN
fsr-3615	452	9	,	,	PUNCT
fsr-3615	452	10	&	&	CCONJ
fsr-3615	452	11	walker	walker	PROPN
fsr-3615	452	12	,	,	PUNCT
fsr-3615	452	13	c.	c.	PROPN
fsr-3615	452	14	m.	m.	NOUN
fsr-3615	452	15	(	(	PUNCT
fsr-3615	452	16	1995	1995	NUM
fsr-3615	452	17	)	)	PUNCT
fsr-3615	452	18	.	.	PUNCT
fsr-3615	453	1	psychological	psychological	ADJ
fsr-3615	453	2	factors	factor	NOUN
fsr-3615	453	3	in	in	ADP
fsr-3615	453	4	consumer	consumer	NOUN
fsr-3615	453	5	debt	debt	NOUN
fsr-3615	453	6	:	:	PUNCT
fsr-3615	453	7	money	money	NOUN
fsr-3615	453	8	management	management	NOUN
fsr-3615	453	9	,	,	PUNCT
fsr-3615	453	10	economic	economic	ADJ
fsr-3615	453	11	socialization	socialization	NOUN
fsr-3615	453	12	,	,	PUNCT
fsr-3615	453	13	and	and	CCONJ
fsr-3615	453	14	credit	credit	NOUN
fsr-3615	453	15	use	use	NOUN
fsr-3615	453	16	.	.	PUNCT
fsr-3615	454	1	journal	journal	NOUN
fsr-3615	454	2	of	of	ADP
fsr-3615	454	3	economic	economic	ADJ
fsr-3615	454	4	psychology	psychology	NOUN
fsr-3615	454	5	,	,	PUNCT
fsr-3615	454	6	16(4	16(4	NUM
fsr-3615	454	7	)	)	PUNCT
fsr-3615	454	8	,	,	PUNCT
fsr-3615	454	9	681	681	NUM
fsr-3615	454	10	-	-	SYM
fsr-3615	454	11	701	701	NUM
fsr-3615	454	12	.	.	PUNCT
fsr-3615	455	1	lin	lin	PROPN
fsr-3615	455	2	,	,	PUNCT
fsr-3615	455	3	j.t	j.t	PROPN
fsr-3615	455	4	.	.	PROPN
fsr-3615	455	5	,	,	PUNCT
fsr-3615	455	6	mottola	mottola	PROPN
fsr-3615	455	7	,	,	PUNCT
fsr-3615	455	8	g.	g.	PROPN
fsr-3615	455	9	,	,	PUNCT
fsr-3615	455	10	&	&	CCONJ
fsr-3615	455	11	lusardi	lusardi	PROPN
fsr-3615	455	12	,	,	PUNCT
fsr-3615	455	13	a.	a.	PROPN
fsr-3615	455	14	(	(	PUNCT
fsr-3615	455	15	july	july	PROPN
fsr-3615	455	16	,	,	PUNCT
fsr-3615	455	17	2022	2022	NUM
fsr-3615	455	18	)	)	PUNCT
fsr-3615	455	19	.	.	PUNCT
fsr-3615	456	1	financial	financial	ADJ
fsr-3615	456	2	capability	capability	NOUN
fsr-3615	456	3	in	in	ADP
fsr-3615	456	4	the	the	DET
fsr-3615	456	5	united	united	PROPN
fsr-3615	456	6	states	states	PROPN
fsr-3615	456	7	:	:	PUNCT
fsr-3615	456	8	highlights	highlight	NOUN
fsr-3615	456	9	from	from	ADP
fsr-3615	456	10	the	the	DET
fsr-3615	456	11	finra	finra	PROPN
fsr-3615	456	12	foundation	foundation	PROPN
fsr-3615	456	13	national	national	PROPN
fsr-3615	456	14	financial	financial	ADJ
fsr-3615	456	15	capability	capability	NOUN
fsr-3615	456	16	study	study	NOUN
fsr-3615	456	17	.	.	PUNCT
fsr-3615	457	1	https://finrafoundation.org/sites/finrafou	https://finrafoundation.org/sites/finrafou	PROPN
fsr-3615	457	2	ndation	ndation	PROPN
fsr-3615	457	3	/	/	SYM
fsr-3615	457	4	files	file	NOUN
fsr-3615	457	5	/	/	SYM
fsr-3615	457	6	nfcs	nfc	NOUN
fsr-3615	457	7	-	-	PUNCT
fsr-3615	457	8	report	report	NOUN
fsr-3615	457	9	-	-	PUNCT
fsr-3615	457	10	fifthedition	fifthedition	NOUN
fsr-3615	457	11	-	-	PUNCT
fsr-3615	457	12	july-2022.pdf	july-2022.pdf	PROPN
fsr-3615	457	13	lindgren	lindgren	PROPN
fsr-3615	457	14	,	,	PUNCT
fsr-3615	457	15	h.	h.	PROPN
fsr-3615	457	16	c.	c.	PROPN
fsr-3615	457	17	(	(	PUNCT
fsr-3615	457	18	1980	1980	NUM
fsr-3615	457	19	)	)	PUNCT
fsr-3615	457	20	.	.	PUNCT
fsr-3615	458	1	great	great	ADJ
fsr-3615	458	2	expectations	expectation	NOUN
fsr-3615	458	3	:	:	PUNCT
fsr-3615	458	4	the	the	DET
fsr-3615	458	5	psychology	psychology	NOUN
fsr-3615	458	6	of	of	ADP
fsr-3615	458	7	money	money	NOUN
fsr-3615	458	8	.	.	PUNCT
fsr-3615	459	1	los	los	PROPN
fsr-3615	459	2	atos	atos	PROPN
fsr-3615	459	3	:	:	PUNCT
fsr-3615	459	4	william	william	PROPN
fsr-3615	459	5	kaufmann	kaufmann	PROPN
fsr-3615	459	6	inc	inc	PROPN
fsr-3615	459	7	.	.	PROPN
fsr-3615	460	1	liu	liu	PROPN
fsr-3615	460	2	,	,	PUNCT
fsr-3615	460	3	y.	y.	PROPN
fsr-3615	460	4	,	,	PUNCT
fsr-3615	460	5	zhang	zhang	PROPN
fsr-3615	460	6	,	,	PUNCT
fsr-3615	460	7	y.	y.	PROPN
fsr-3615	460	8	,	,	PUNCT
fsr-3615	460	9	&	&	CCONJ
fsr-3615	460	10	chatterjee	chatterjee	PROPN
fsr-3615	460	11	,	,	PUNCT
fsr-3615	460	12	s.	s.	PROPN
fsr-3615	460	13	(	(	PUNCT
fsr-3615	460	14	2021	2021	NUM
fsr-3615	460	15	):	):	PUNCT
fsr-3615	460	16	financial	financial	ADJ
fsr-3615	460	17	hardship	hardship	NOUN
fsr-3615	460	18	and	and	CCONJ
fsr-3615	460	19	depression	depression	NOUN
fsr-3615	460	20	experienced	experience	VERB
fsr-3615	460	21	by	by	ADP
fsr-3615	460	22	pre	pre	NOUN
fsr-3615	460	23	-	-	NOUN
fsr-3615	460	24	retirees	retiree	NOUN
fsr-3615	460	25	during	during	ADP
fsr-3615	460	26	the	the	DET
fsr-3615	460	27	covid-19	covid-19	PROPN
fsr-3615	460	28	pandemic	pandemic	NOUN
fsr-3615	460	29	:	:	PUNCT
fsr-3615	460	30	the	the	DET
fsr-3615	460	31	mitigating	mitigate	VERB
fsr-3615	460	32	role	role	NOUN
fsr-3615	460	33	of	of	ADP
fsr-3615	460	34	stimulus	stimulus	ADJ
fsr-3615	460	35	payments	payment	NOUN
fsr-3615	460	36	.	.	PUNCT
fsr-3615	461	1	applied	apply	VERB
fsr-3615	461	2	economics	economic	NOUN
fsr-3615	461	3	letters	letter	NOUN
fsr-3615	461	4	,	,	PUNCT
fsr-3615	461	5	30(3	30(3	NUM
fsr-3615	461	6	)	)	PUNCT
fsr-3615	461	7	,	,	PUNCT
fsr-3615	461	8	391	391	NUM
fsr-3615	461	9	-	-	SYM
fsr-3615	461	10	396	396	NUM
fsr-3615	461	11	doi	doi	NOUN
fsr-3615	461	12	:	:	PUNCT
fsr-3615	461	13	10.1080/13504851.2021.1989364	10.1080/13504851.2021.1989364	NUM
fsr-3615	461	14	lusardi	lusardi	NOUN
fsr-3615	461	15	,	,	PUNCT
fsr-3615	461	16	a.	a.	NOUN
fsr-3615	461	17	(	(	PUNCT
fsr-3615	461	18	1998	1998	NUM
fsr-3615	461	19	)	)	PUNCT
fsr-3615	461	20	.	.	PUNCT
fsr-3615	462	1	on	on	ADP
fsr-3615	462	2	the	the	DET
fsr-3615	462	3	importance	importance	NOUN
fsr-3615	462	4	of	of	ADP
fsr-3615	462	5	the	the	DET
fsr-3615	462	6	precautionary	precautionary	ADJ
fsr-3615	462	7	saving	saving	NOUN
fsr-3615	462	8	motive	motive	NOUN
fsr-3615	462	9	.	.	PUNCT
fsr-3615	463	1	the	the	DET
fsr-3615	463	2	american	american	PROPN
fsr-3615	463	3	economic	economic	PROPN
fsr-3615	463	4	review	review	PROPN
fsr-3615	463	5	,	,	PUNCT
fsr-3615	463	6	88(2	88(2	NUM
fsr-3615	463	7	)	)	PUNCT
fsr-3615	463	8	,	,	PUNCT
fsr-3615	463	9	449453	449453	NUM
fsr-3615	463	10	.	.	PUNCT
fsr-3615	464	1	lusardi	lusardi	PROPN
fsr-3615	464	2	,	,	PUNCT
fsr-3615	464	3	a.	a.	PROPN
fsr-3615	464	4	,	,	PUNCT
fsr-3615	464	5	&	&	CCONJ
fsr-3615	464	6	de	de	PROPN
fsr-3615	464	7	bassa	bassa	PROPN
fsr-3615	464	8	scheresberg	scheresberg	PROPN
fsr-3615	464	9	,	,	PUNCT
fsr-3615	464	10	c.	c.	PROPN
fsr-3615	464	11	(	(	PUNCT
fsr-3615	464	12	2016	2016	NUM
fsr-3615	464	13	)	)	PUNCT
fsr-3615	464	14	.	.	PUNCT
fsr-3615	465	1	americans	americans	PROPN
fsr-3615	465	2	’	'	PUNCT
fsr-3615	465	3	troubling	troubling	ADJ
fsr-3615	465	4	financial	financial	ADJ
fsr-3615	465	5	capabilities	capability	NOUN
fsr-3615	465	6	:	:	PUNCT
fsr-3615	465	7	a	a	DET
fsr-3615	465	8	profile	profile	NOUN
fsr-3615	465	9	of	of	ADP
fsr-3615	465	10	pre	pre	NOUN
fsr-3615	465	11	-	-	NOUN
fsr-3615	465	12	retirees	retiree	NOUN
fsr-3615	465	13	.	.	PUNCT
fsr-3615	466	1	public	public	ADJ
fsr-3615	466	2	policy	policy	NOUN
fsr-3615	466	3	&	&	CCONJ
fsr-3615	466	4	aging	age	VERB
fsr-3615	466	5	report	report	NOUN
fsr-3615	466	6	,	,	PUNCT
fsr-3615	466	7	26(1	26(1	NUM
fsr-3615	466	8	)	)	PUNCT
fsr-3615	466	9	,	,	PUNCT
fsr-3615	466	10	2329	2329	NUM
fsr-3615	466	11	.	.	PUNCT
fsr-3615	467	1	lusardi	lusardi	PROPN
fsr-3615	467	2	,	,	PUNCT
fsr-3615	467	3	a.	a.	PROPN
fsr-3615	467	4	,	,	PUNCT
fsr-3615	467	5	&	&	CCONJ
fsr-3615	467	6	mitchell	mitchell	PROPN
fsr-3615	467	7	,	,	PUNCT
fsr-3615	467	8	o.s	o.s	PROPN
fsr-3615	467	9	.	.	PROPN
fsr-3615	467	10	(	(	PUNCT
fsr-3615	467	11	2013	2013	NUM
fsr-3615	467	12	)	)	PUNCT
fsr-3615	467	13	.	.	PUNCT
fsr-3615	468	1	debt	debt	NOUN
fsr-3615	468	2	and	and	CCONJ
fsr-3615	468	3	debt	debt	NOUN
fsr-3615	468	4	management	management	NOUN
fsr-3615	468	5	among	among	ADP
fsr-3615	468	6	older	old	ADJ
fsr-3615	468	7	adults	adult	NOUN
fsr-3615	468	8	.	.	PUNCT
fsr-3615	469	1	draft	draft	NOUN
fsr-3615	469	2	michigan	michigan	PROPN
fsr-3615	469	3	retirement	retirement	PROPN
fsr-3615	469	4	research	research	PROPN
fsr-3615	469	5	center	center	NOUN
fsr-3615	469	6	,	,	PUNCT
fsr-3615	469	7	ann	ann	PROPN
fsr-3615	469	8	arbor	arbor	PROPN
fsr-3615	469	9	,	,	PUNCT
fsr-3615	469	10	mi	mi	PROPN
fsr-3615	469	11	.	.	PROPN
fsr-3615	469	12	lusardi	lusardi	PROPN
fsr-3615	469	13	,	,	PUNCT
fsr-3615	469	14	a.	a.	PROPN
fsr-3615	469	15	,	,	PUNCT
fsr-3615	469	16	&	&	CCONJ
fsr-3615	469	17	tufano	tufano	ADJ
fsr-3615	469	18	,	,	PUNCT
fsr-3615	469	19	p.	p.	NOUN
fsr-3615	469	20	(	(	PUNCT
fsr-3615	469	21	2015	2015	NUM
fsr-3615	469	22	)	)	PUNCT
fsr-3615	469	23	.	.	PUNCT
fsr-3615	470	1	debt	debt	NOUN
fsr-3615	470	2	literacy	literacy	NOUN
fsr-3615	470	3	,	,	PUNCT
fsr-3615	470	4	financial	financial	ADJ
fsr-3615	470	5	experiences	experience	NOUN
fsr-3615	470	6	,	,	PUNCT
fsr-3615	470	7	and	and	CCONJ
fsr-3615	470	8	overindebtedness	overindebtedness	NOUN
fsr-3615	470	9	.	.	PUNCT
fsr-3615	471	1	journal	journal	NOUN
fsr-3615	471	2	of	of	ADP
fsr-3615	471	3	pension	pension	NOUN
fsr-3615	471	4	economics	economic	NOUN
fsr-3615	471	5	and	and	CCONJ
fsr-3615	471	6	finance	finance	NOUN
fsr-3615	471	7	,	,	PUNCT
fsr-3615	471	8	14(4	14(4	NUM
fsr-3615	471	9	)	)	PUNCT
fsr-3615	471	10	,	,	PUNCT
fsr-3615	471	11	332	332	NUM
fsr-3615	471	12	-	-	SYM
fsr-3615	471	13	368	368	NUM
fsr-3615	471	14	.	.	PUNCT
fsr-3615	472	1	doi:10.1017	doi:10.1017	PROPN
fsr-3615	472	2	/	/	SYM
fsr-3615	472	3	s1474747215000232	s1474747215000232	PROPN
fsr-3615	472	4	.	.	PUNCT
fsr-3615	472	5	marshall	marshall	PROPN
fsr-3615	472	6	,	,	PUNCT
fsr-3615	472	7	g.	g.	PROPN
fsr-3615	472	8	l.	l.	PROPN
fsr-3615	472	9	,	,	PUNCT
fsr-3615	472	10	&	&	CCONJ
fsr-3615	472	11	tucker	tucker	PROPN
fsr-3615	472	12	-	-	PUNCT
fsr-3615	472	13	seeley	seeley	PROPN
fsr-3615	472	14	,	,	PUNCT
fsr-3615	472	15	r.	r.	PROPN
fsr-3615	472	16	(	(	PUNCT
fsr-3615	472	17	2018	2018	NUM
fsr-3615	472	18	)	)	PUNCT
fsr-3615	472	19	.	.	PUNCT
fsr-3615	473	1	the	the	DET
fsr-3615	473	2	association	association	NOUN
fsr-3615	473	3	between	between	ADP
fsr-3615	473	4	hardship	hardship	NOUN
fsr-3615	473	5	and	and	CCONJ
fsr-3615	473	6	selfrated	selfrate	VERB
fsr-3615	473	7	health	health	NOUN
fsr-3615	473	8	:	:	PUNCT
fsr-3615	473	9	does	do	VERB
fsr-3615	473	10	the	the	DET
fsr-3615	473	11	choice	choice	NOUN
fsr-3615	473	12	of	of	ADP
fsr-3615	473	13	indicator	indicator	NOUN
fsr-3615	473	14	matter	matter	NOUN
fsr-3615	473	15	?	?	PUNCT
fsr-3615	473	16	.	.	PUNCT
fsr-3615	474	1	annals	annal	NOUN
fsr-3615	474	2	of	of	ADP
fsr-3615	474	3	epidemiology	epidemiology	NOUN
fsr-3615	474	4	,	,	PUNCT
fsr-3615	474	5	28(7	28(7	NUM
fsr-3615	474	6	)	)	PUNCT
fsr-3615	474	7	,	,	PUNCT
fsr-3615	474	8	462	462	NUM
fsr-3615	474	9	-	-	SYM
fsr-3615	474	10	467	467	NUM
fsr-3615	474	11	.	.	PUNCT
fsr-3615	474	12	modigliani	modigliani	PROPN
fsr-3615	474	13	,	,	PUNCT
fsr-3615	474	14	f.	f.	PROPN
fsr-3615	474	15	,	,	PUNCT
fsr-3615	474	16	&	&	CCONJ
fsr-3615	474	17	brumberg	brumberg	PROPN
fsr-3615	474	18	,	,	PUNCT
fsr-3615	474	19	r.	r.	PROPN
fsr-3615	474	20	(	(	PUNCT
fsr-3615	474	21	1954	1954	NUM
fsr-3615	474	22	)	)	PUNCT
fsr-3615	474	23	.	.	PUNCT
fsr-3615	475	1	utility	utility	NOUN
fsr-3615	475	2	analysis	analysis	NOUN
fsr-3615	475	3	and	and	CCONJ
fsr-3615	475	4	the	the	DET
fsr-3615	475	5	consumption	consumption	NOUN
fsr-3615	475	6	function	function	NOUN
fsr-3615	475	7	:	:	PUNCT
fsr-3615	475	8	an	an	DET
fsr-3615	475	9	interpretation	interpretation	NOUN
fsr-3615	475	10	of	of	ADP
fsr-3615	475	11	cross	cross	ADJ
fsr-3615	475	12	-	-	ADJ
fsr-3615	475	13	section	section	ADJ
fsr-3615	475	14	data	datum	NOUN
fsr-3615	475	15	.	.	PUNCT
fsr-3615	476	1	post	post	ADJ
fsr-3615	476	2	-	-	ADJ
fsr-3615	476	3	keynesian	keynesian	ADJ
fsr-3615	476	4	economics	economic	NOUN
fsr-3615	476	5	,	,	PUNCT
fsr-3615	476	6	1	1	NUM
fsr-3615	476	7	,	,	PUNCT
fsr-3615	476	8	388	388	NUM
fsr-3615	476	9	-	-	SYM
fsr-3615	476	10	436	436	NUM
fsr-3615	476	11	.	.	PUNCT
fsr-3615	477	1	netemeyer	netemeyer	PROPN
fsr-3615	477	2	,	,	PUNCT
fsr-3615	477	3	r.	r.	PROPN
fsr-3615	477	4	g.	g.	PROPN
fsr-3615	477	5	,	,	PUNCT
fsr-3615	477	6	warmath	warmath	PROPN
fsr-3615	477	7	,	,	PUNCT
fsr-3615	477	8	d.	d.	PROPN
fsr-3615	477	9	,	,	PUNCT
fsr-3615	477	10	fernandes	fernandes	PROPN
fsr-3615	477	11	,	,	PUNCT
fsr-3615	477	12	d.	d.	PROPN
fsr-3615	477	13	,	,	PUNCT
fsr-3615	477	14	&	&	CCONJ
fsr-3615	477	15	lynch	lynch	PROPN
fsr-3615	477	16	jr	jr	PROPN
fsr-3615	477	17	,	,	PUNCT
fsr-3615	477	18	j.	j.	PROPN
fsr-3615	477	19	g.	g.	PROPN
fsr-3615	477	20	(	(	PUNCT
fsr-3615	477	21	2018	2018	NUM
fsr-3615	477	22	)	)	PUNCT
fsr-3615	477	23	.	.	PUNCT
fsr-3615	478	1	how	how	SCONJ
fsr-3615	478	2	am	be	AUX
fsr-3615	478	3	i	i	PRON
fsr-3615	478	4	doing	do	VERB
fsr-3615	478	5	?	?	PUNCT
fsr-3615	479	1	perceived	perceive	VERB
fsr-3615	479	2	financial	financial	ADJ
fsr-3615	479	3	well	well	NOUN
fsr-3615	479	4	-	-	PUNCT
fsr-3615	479	5	being	being	NOUN
fsr-3615	479	6	,	,	PUNCT
fsr-3615	479	7	its	its	PRON
fsr-3615	479	8	potential	potential	ADJ
fsr-3615	479	9	antecedents	antecedent	NOUN
fsr-3615	479	10	,	,	PUNCT
fsr-3615	479	11	and	and	CCONJ
fsr-3615	479	12	its	its	PRON
fsr-3615	479	13	relation	relation	NOUN
fsr-3615	479	14	to	to	ADP
fsr-3615	479	15	overall	overall	ADJ
fsr-3615	479	16	well	well	ADV
fsr-3615	479	17	-	-	PUNCT
fsr-3615	479	18	being	being	NOUN
fsr-3615	479	19	.	.	PUNCT
fsr-3615	480	1	journal	journal	PROPN
fsr-3615	480	2	of	of	ADP
fsr-3615	480	3	consumer	consumer	NOUN
fsr-3615	480	4	research	research	NOUN
fsr-3615	480	5	,	,	PUNCT
fsr-3615	480	6	45(1	45(1	NOUN
fsr-3615	480	7	)	)	PUNCT
fsr-3615	480	8	,	,	PUNCT
fsr-3615	480	9	68	68	NUM
fsr-3615	480	10	-	-	SYM
fsr-3615	480	11	89	89	NUM
fsr-3615	480	12	.	.	PUNCT
fsr-3615	481	1	ouyang	ouyang	PROPN
fsr-3615	481	2	et	et	PROPN
fsr-3615	481	3	al	al	PROPN
fsr-3615	481	4	.	.	PROPN
fsr-3615	481	5	21	21	NUM
fsr-3615	481	6	ouyang	ouyang	PROPN
fsr-3615	481	7	,	,	PUNCT
fsr-3615	481	8	c.	c.	PROPN
fsr-3615	481	9	,	,	PUNCT
fsr-3615	481	10	&	&	CCONJ
fsr-3615	481	11	hanna	hanna	PROPN
fsr-3615	481	12	,	,	PUNCT
fsr-3615	481	13	s.d	s.d	PROPN
fsr-3615	481	14	.	.	PROPN
fsr-3615	481	15	(	(	PUNCT
fsr-3615	481	16	2022	2022	NUM
fsr-3615	481	17	)	)	PUNCT
fsr-3615	481	18	.	.	PUNCT
fsr-3615	482	1	the	the	DET
fsr-3615	482	2	effect	effect	NOUN
fsr-3615	482	3	of	of	ADP
fsr-3615	482	4	racial	racial	ADJ
fsr-3615	482	5	/	/	SYM
fsr-3615	482	6	ethnic	ethnic	ADJ
fsr-3615	482	7	differences	difference	NOUN
fsr-3615	482	8	on	on	ADP
fsr-3615	482	9	the	the	DET
fsr-3615	482	10	financial	financial	ADJ
fsr-3615	482	11	obligations	obligation	NOUN
fsr-3615	482	12	ratio	ratio	NOUN
fsr-3615	482	13	of	of	ADP
fsr-3615	482	14	renters	renter	NOUN
fsr-3615	482	15	.	.	PUNCT
fsr-3615	483	1	financial	financial	ADJ
fsr-3615	483	2	services	service	NOUN
fsr-3615	483	3	review	review	NOUN
fsr-3615	483	4	.	.	PUNCT
fsr-3615	484	1	30(2022	30(2022	X
fsr-3615	484	2	)	)	PUNCT
fsr-3615	484	3	,	,	PUNCT
fsr-3615	484	4	165–177	165–177	NUM
fsr-3615	484	5	.	.	PUNCT
fsr-3615	485	1	pandemic	pandemic	ADJ
fsr-3615	485	2	oversight	oversight	NOUN
fsr-3615	485	3	https://www.pandemicoversight.gov/dat	https://www.pandemicoversight.gov/dat	PROPN
fsr-3615	485	4	a	a	DET
fsr-3615	485	5	-	-	PUNCT
fsr-3615	485	6	interactive	interactive	ADJ
fsr-3615	485	7	-	-	PUNCT
fsr-3615	485	8	tools	tool	NOUN
fsr-3615	485	9	/	/	SYM
fsr-3615	485	10	data	datum	NOUN
fsr-3615	485	11	-	-	PUNCT
fsr-3615	485	12	stories	story	NOUN
fsr-3615	485	13	/	/	SYM
fsr-3615	485	14	threerounds	threeround	NOUN
fsr-3615	485	15	-	-	PUNCT
fsr-3615	485	16	stimulus	stimulus	NOUN
fsr-3615	485	17	-	-	PUNCT
fsr-3615	485	18	checks	check	NOUN
fsr-3615	485	19	-	-	PUNCT
fsr-3615	485	20	see	see	NOUN
fsr-3615	485	21	-	-	PUNCT
fsr-3615	485	22	how	how	ADV
fsr-3615	485	23	-	-	PUNCT
fsr-3615	485	24	manywent	manywent	ADJ
fsr-3615	485	25	-	-	PUNCT
fsr-3615	485	26	out	out	NOUN
fsr-3615	485	27	-	-	PUNCT
fsr-3615	485	28	and	and	CCONJ
fsr-3615	485	29	-	-	PUNCT
fsr-3615	485	30	how	how	ADV
fsr-3615	485	31	-	-	PUNCT
fsr-3615	485	32	much	much	ADJ
fsr-3615	485	33	parker	parker	NOUN
fsr-3615	485	34	,	,	PUNCT
fsr-3615	485	35	j.	j.	PROPN
fsr-3615	485	36	a.	a.	PROPN
fsr-3615	485	37	,	,	PUNCT
fsr-3615	485	38	souleles	soulele	NOUN
fsr-3615	485	39	,	,	PUNCT
fsr-3615	485	40	n.	n.	PROPN
fsr-3615	485	41	s.	s.	PROPN
fsr-3615	485	42	,	,	PUNCT
fsr-3615	485	43	johnson	johnson	PROPN
fsr-3615	485	44	,	,	PUNCT
fsr-3615	485	45	d.	d.	PROPN
fsr-3615	485	46	s.	s.	PROPN
fsr-3615	485	47	,	,	PUNCT
fsr-3615	485	48	&	&	CCONJ
fsr-3615	485	49	mcclelland	mcclelland	PROPN
fsr-3615	485	50	,	,	PUNCT
fsr-3615	485	51	r.	r.	PROPN
fsr-3615	485	52	(	(	PUNCT
fsr-3615	485	53	2013	2013	NUM
fsr-3615	485	54	)	)	PUNCT
fsr-3615	485	55	.	.	PUNCT
fsr-3615	486	1	consumer	consumer	NOUN
fsr-3615	486	2	spending	spending	NOUN
fsr-3615	486	3	and	and	CCONJ
fsr-3615	486	4	the	the	DET
fsr-3615	486	5	economic	economic	ADJ
fsr-3615	486	6	stimulus	stimulus	ADJ
fsr-3615	486	7	payments	payment	NOUN
fsr-3615	486	8	of	of	ADP
fsr-3615	486	9	2008	2008	NUM
fsr-3615	486	10	.	.	PUNCT
fsr-3615	487	1	american	american	PROPN
fsr-3615	487	2	economic	economic	PROPN
fsr-3615	487	3	review	review	PROPN
fsr-3615	487	4	,	,	PUNCT
fsr-3615	487	5	103(6	103(6	NUM
fsr-3615	487	6	)	)	PUNCT
fsr-3615	487	7	,	,	PUNCT
fsr-3615	487	8	2530	2530	NUM
fsr-3615	487	9	-	-	SYM
fsr-3615	487	10	2553	2553	NUM
fsr-3615	487	11	.	.	PUNCT
fsr-3615	488	1	pattanayak	pattanayak	NOUN
fsr-3615	488	2	,	,	PUNCT
fsr-3615	488	3	c.	c.	PROPN
fsr-3615	488	4	w.	w.	PROPN
fsr-3615	488	5	,	,	PUNCT
fsr-3615	488	6	rubin	rubin	PROPN
fsr-3615	488	7	,	,	PUNCT
fsr-3615	488	8	d.	d.	PROPN
fsr-3615	488	9	b.	b.	PROPN
fsr-3615	488	10	,	,	PUNCT
fsr-3615	488	11	&	&	CCONJ
fsr-3615	488	12	zell	zell	PROPN
fsr-3615	488	13	,	,	PUNCT
fsr-3615	488	14	e.	e.	PROPN
fsr-3615	488	15	r.	r.	PROPN
fsr-3615	488	16	(	(	PUNCT
fsr-3615	488	17	2011	2011	NUM
fsr-3615	488	18	)	)	PUNCT
fsr-3615	488	19	.	.	PUNCT
fsr-3615	489	1	propensity	propensity	NOUN
fsr-3615	489	2	score	score	NOUN
fsr-3615	489	3	methods	method	NOUN
fsr-3615	489	4	for	for	ADP
fsr-3615	489	5	creating	create	VERB
fsr-3615	489	6	covariate	covariate	ADJ
fsr-3615	489	7	balance	balance	NOUN
fsr-3615	489	8	in	in	ADP
fsr-3615	489	9	observational	observational	ADJ
fsr-3615	489	10	studies	study	NOUN
fsr-3615	489	11	.	.	PUNCT
fsr-3615	490	1	revista	revista	PROPN
fsr-3615	490	2	española	española	PROPN
fsr-3615	490	3	de	de	X
fsr-3615	490	4	cardiología	cardiología	PROPN
fsr-3615	490	5	(	(	PUNCT
fsr-3615	490	6	english	english	PROPN
fsr-3615	490	7	edition	edition	PROPN
fsr-3615	490	8	)	)	PUNCT
fsr-3615	490	9	,	,	PUNCT
fsr-3615	490	10	64(10	64(10	PROPN
fsr-3615	490	11	)	)	PUNCT
fsr-3615	490	12	,	,	PUNCT
fsr-3615	490	13	897	897	NUM
fsr-3615	490	14	-	-	SYM
fsr-3615	490	15	903	903	NUM
fsr-3615	490	16	.	.	PUNCT
fsr-3615	491	1	peetz	peetz	PROPN
fsr-3615	491	2	,	,	PUNCT
fsr-3615	491	3	j.	j.	PROPN
fsr-3615	491	4	,	,	PUNCT
fsr-3615	491	5	&	&	CCONJ
fsr-3615	491	6	robson	robson	PROPN
fsr-3615	491	7	,	,	PUNCT
fsr-3615	491	8	j.	j.	PROPN
fsr-3615	491	9	(	(	PUNCT
fsr-3615	491	10	2021	2021	NUM
fsr-3615	491	11	)	)	PUNCT
fsr-3615	491	12	.	.	PUNCT
fsr-3615	492	1	living	live	VERB
fsr-3615	492	2	gig	gig	NOUN
fsr-3615	492	3	to	to	ADP
fsr-3615	492	4	gig	gig	VERB
fsr-3615	492	5	and	and	CCONJ
fsr-3615	492	6	paycheque	paycheque	ADJ
fsr-3615	492	7	to	to	ADP
fsr-3615	492	8	paycheque	paycheque	NOUN
fsr-3615	492	9	:	:	PUNCT
fsr-3615	492	10	how	how	SCONJ
fsr-3615	492	11	income	income	NOUN
fsr-3615	492	12	volatility	volatility	NOUN
fsr-3615	492	13	affects	affect	VERB
fsr-3615	492	14	financial	financial	ADJ
fsr-3615	492	15	decisions	decision	NOUN
fsr-3615	492	16	.	.	PUNCT
fsr-3615	493	1	centre	centre	NOUN
fsr-3615	493	2	for	for	ADP
fsr-3615	493	3	economic	economic	ADJ
fsr-3615	493	4	policy	policy	NOUN
fsr-3615	493	5	research	research	NOUN
fsr-3615	493	6	.	.	PUNCT
fsr-3615	494	1	perry	perry	PROPN
fsr-3615	494	2	,	,	PUNCT
fsr-3615	494	3	v.	v.	PROPN
fsr-3615	494	4	g.	g.	PROPN
fsr-3615	494	5	,	,	PUNCT
fsr-3615	494	6	&	&	CCONJ
fsr-3615	494	7	morris	morris	PROPN
fsr-3615	494	8	,	,	PUNCT
fsr-3615	494	9	m.	m.	PROPN
fsr-3615	494	10	d.	d.	PROPN
fsr-3615	494	11	(	(	PUNCT
fsr-3615	494	12	2005	2005	NUM
fsr-3615	494	13	)	)	PUNCT
fsr-3615	494	14	.	.	PUNCT
fsr-3615	495	1	who	who	PRON
fsr-3615	495	2	is	be	AUX
fsr-3615	495	3	in	in	ADP
fsr-3615	495	4	control	control	NOUN
fsr-3615	495	5	?	?	PUNCT
fsr-3615	496	1	the	the	DET
fsr-3615	496	2	role	role	NOUN
fsr-3615	496	3	of	of	ADP
fsr-3615	496	4	self‐perception	self‐perception	NOUN
fsr-3615	496	5	,	,	PUNCT
fsr-3615	496	6	knowledge	knowledge	NOUN
fsr-3615	496	7	,	,	PUNCT
fsr-3615	496	8	and	and	CCONJ
fsr-3615	496	9	income	income	NOUN
fsr-3615	496	10	in	in	ADP
fsr-3615	496	11	explaining	explain	VERB
fsr-3615	496	12	consumer	consumer	NOUN
fsr-3615	496	13	financial	financial	ADJ
fsr-3615	496	14	behavior	behavior	NOUN
fsr-3615	496	15	.	.	PUNCT
fsr-3615	497	1	journal	journal	PROPN
fsr-3615	497	2	of	of	ADP
fsr-3615	497	3	consumer	consumer	NOUN
fsr-3615	497	4	affairs	affair	NOUN
fsr-3615	497	5	,	,	PUNCT
fsr-3615	497	6	39(2	39(2	NUM
fsr-3615	497	7	)	)	PUNCT
fsr-3615	497	8	,	,	PUNCT
fsr-3615	497	9	299	299	NUM
fsr-3615	497	10	-	-	SYM
fsr-3615	497	11	313	313	NUM
fsr-3615	497	12	.	.	PUNCT
fsr-3615	498	1	polizzi	polizzi	PROPN
fsr-3615	498	2	,	,	PUNCT
fsr-3615	498	3	c.	c.	PROPN
fsr-3615	498	4	,	,	PUNCT
fsr-3615	498	5	lynn	lynn	PROPN
fsr-3615	498	6	,	,	PUNCT
fsr-3615	498	7	s.	s.	PROPN
fsr-3615	498	8	j.	j.	PROPN
fsr-3615	498	9	,	,	PUNCT
fsr-3615	498	10	&	&	CCONJ
fsr-3615	498	11	perry	perry	PROPN
fsr-3615	498	12	,	,	PUNCT
fsr-3615	498	13	a.	a.	PROPN
fsr-3615	498	14	(	(	PUNCT
fsr-3615	498	15	2020	2020	NUM
fsr-3615	498	16	)	)	PUNCT
fsr-3615	498	17	.	.	PUNCT
fsr-3615	499	1	stress	stress	NOUN
fsr-3615	499	2	and	and	CCONJ
fsr-3615	499	3	coping	cope	VERB
fsr-3615	499	4	in	in	ADP
fsr-3615	499	5	the	the	DET
fsr-3615	499	6	time	time	NOUN
fsr-3615	499	7	of	of	ADP
fsr-3615	499	8	covid-19	covid-19	PROPN
fsr-3615	499	9	:	:	PUNCT
fsr-3615	499	10	pathways	pathway	NOUN
fsr-3615	499	11	to	to	ADP
fsr-3615	499	12	resilience	resilience	NOUN
fsr-3615	499	13	and	and	CCONJ
fsr-3615	499	14	recovery	recovery	NOUN
fsr-3615	499	15	.	.	PUNCT
fsr-3615	500	1	clinical	clinical	ADJ
fsr-3615	500	2	neuropsychiatry	neuropsychiatry	NOUN
fsr-3615	500	3	,	,	PUNCT
fsr-3615	500	4	17(2	17(2	NUM
fsr-3615	500	5	)	)	PUNCT
fsr-3615	500	6	,	,	PUNCT
fsr-3615	500	7	59	59	NUM
fsr-3615	500	8	.	.	PUNCT
fsr-3615	501	1	rubin	rubin	PROPN
fsr-3615	501	2	,	,	PUNCT
fsr-3615	501	3	d.	d.	PROPN
fsr-3615	501	4	b.	b.	PROPN
fsr-3615	501	5	(	(	PUNCT
fsr-3615	501	6	2005	2005	NUM
fsr-3615	501	7	)	)	PUNCT
fsr-3615	501	8	.	.	PUNCT
fsr-3615	502	1	causal	causal	NOUN
fsr-3615	502	2	inference	inference	NOUN
fsr-3615	502	3	using	use	VERB
fsr-3615	502	4	potential	potential	ADJ
fsr-3615	502	5	outcomes	outcome	NOUN
fsr-3615	502	6	:	:	PUNCT
fsr-3615	502	7	design	design	NOUN
fsr-3615	502	8	,	,	PUNCT
fsr-3615	502	9	modeling	modeling	NOUN
fsr-3615	502	10	,	,	PUNCT
fsr-3615	502	11	decisions	decision	NOUN
fsr-3615	502	12	.	.	PUNCT
fsr-3615	503	1	journal	journal	NOUN
fsr-3615	503	2	of	of	ADP
fsr-3615	503	3	the	the	DET
fsr-3615	503	4	american	american	PROPN
fsr-3615	503	5	statistical	statistical	PROPN
fsr-3615	503	6	association	association	NOUN
fsr-3615	503	7	,	,	PUNCT
fsr-3615	503	8	100(469	100(469	NUM
fsr-3615	503	9	)	)	PUNCT
fsr-3615	503	10	,	,	PUNCT
fsr-3615	503	11	322331	322331	NUM
fsr-3615	503	12	.	.	PUNCT
fsr-3615	504	1	https://doi.org/10.1198/0162145040000	https://doi.org/10.1198/0162145040000	PROPN
fsr-3615	504	2	01880	01880	NUM
fsr-3615	504	3	salamanca	salamanca	PROPN
fsr-3615	504	4	,	,	PUNCT
fsr-3615	504	5	n.	n.	NOUN
fsr-3615	504	6	,	,	PUNCT
fsr-3615	504	7	de	de	PROPN
fsr-3615	504	8	grip	grip	NOUN
fsr-3615	504	9	,	,	PUNCT
fsr-3615	504	10	a.	a.	NOUN
fsr-3615	504	11	,	,	PUNCT
fsr-3615	504	12	fouarge	fouarge	NOUN
fsr-3615	504	13	,	,	PUNCT
fsr-3615	504	14	d.	d.	PROPN
fsr-3615	504	15	,	,	PUNCT
fsr-3615	504	16	&	&	CCONJ
fsr-3615	504	17	montizaan	montizaan	PROPN
fsr-3615	504	18	,	,	PUNCT
fsr-3615	504	19	r.	r.	PROPN
fsr-3615	504	20	(	(	PUNCT
fsr-3615	504	21	2020	2020	NUM
fsr-3615	504	22	)	)	PUNCT
fsr-3615	504	23	.	.	PUNCT
fsr-3615	505	1	locus	locus	NOUN
fsr-3615	505	2	of	of	ADP
fsr-3615	505	3	control	control	NOUN
fsr-3615	505	4	and	and	CCONJ
fsr-3615	505	5	investment	investment	NOUN
fsr-3615	505	6	in	in	ADP
fsr-3615	505	7	risky	risky	ADJ
fsr-3615	505	8	assets	asset	NOUN
fsr-3615	505	9	.	.	PUNCT
fsr-3615	506	1	journal	journal	NOUN
fsr-3615	506	2	of	of	ADP
fsr-3615	506	3	economic	economic	ADJ
fsr-3615	506	4	behavior	behavior	NOUN
fsr-3615	506	5	&	&	CCONJ
fsr-3615	506	6	organization	organization	PROPN
fsr-3615	506	7	,	,	PUNCT
fsr-3615	506	8	177	177	NUM
fsr-3615	506	9	,	,	PUNCT
fsr-3615	506	10	548	548	NUM
fsr-3615	506	11	-	-	SYM
fsr-3615	506	12	568	568	NUM
fsr-3615	506	13	.	.	PUNCT
fsr-3615	507	1	shapiro	shapiro	PROPN
fsr-3615	507	2	,	,	PUNCT
fsr-3615	507	3	m.d	m.d	PROPN
fsr-3615	507	4	.	.	PROPN
fsr-3615	507	5	&	&	CCONJ
fsr-3615	507	6	slemrod	slemrod	PROPN
fsr-3615	507	7	,	,	PUNCT
fsr-3615	507	8	j.	j.	PROPN
fsr-3615	507	9	(	(	PUNCT
fsr-3615	507	10	2009	2009	NUM
fsr-3615	507	11	)	)	PUNCT
fsr-3615	507	12	did	do	AUX
fsr-3615	507	13	the	the	DET
fsr-3615	507	14	2008	2008	NUM
fsr-3615	507	15	tax	tax	NOUN
fsr-3615	507	16	rebates	rebate	NOUN
fsr-3615	507	17	stimulate	stimulate	VERB
fsr-3615	507	18	spending	spending	NOUN
fsr-3615	507	19	?	?	PUNCT
fsr-3615	508	1	american	american	ADJ
fsr-3615	508	2	economic	economic	PROPN
fsr-3615	508	3	review	review	PROPN
fsr-3615	508	4	,	,	PUNCT
fsr-3615	508	5	99(2	99(2	PROPN
fsr-3615	508	6	)	)	PUNCT
fsr-3615	508	7	,	,	PUNCT
fsr-3615	508	8	374	374	NUM
fsr-3615	508	9	–	–	PUNCT
fsr-3615	508	10	379	379	NUM
fsr-3615	508	11	.	.	PUNCT
fsr-3615	509	1	https://doi.org/10.1257/aer.99.2.374	https://doi.org/10.1257/aer.99.2.374	PROPN
fsr-3615	509	2	shefrin	shefrin	NOUN
fsr-3615	509	3	,	,	PUNCT
fsr-3615	509	4	h.	h.	PROPN
fsr-3615	509	5	m.	m.	PROPN
fsr-3615	509	6	,	,	PUNCT
fsr-3615	509	7	&	&	CCONJ
fsr-3615	509	8	thaler	thaler	PROPN
fsr-3615	509	9	,	,	PUNCT
fsr-3615	509	10	r.	r.	PROPN
fsr-3615	509	11	h.	h.	PROPN
fsr-3615	509	12	(	(	PUNCT
fsr-3615	509	13	1988	1988	NUM
fsr-3615	509	14	)	)	PUNCT
fsr-3615	509	15	.	.	PUNCT
fsr-3615	510	1	the	the	DET
fsr-3615	510	2	behavioral	behavioral	ADJ
fsr-3615	510	3	life	life	NOUN
fsr-3615	510	4	-	-	PUNCT
fsr-3615	510	5	cycle	cycle	NOUN
fsr-3615	510	6	hypothesis	hypothesis	NOUN
fsr-3615	510	7	.	.	PUNCT
fsr-3615	511	1	economic	economic	ADJ
fsr-3615	511	2	inquiry	inquiry	NOUN
fsr-3615	511	3	26(4	26(4	NUM
fsr-3615	511	4	)	)	PUNCT
fsr-3615	511	5	.	.	PUNCT
fsr-3615	512	1	609	609	NUM
fsr-3615	512	2	-	-	SYM
fsr-3615	512	3	643	643	NUM
fsr-3615	512	4	.	.	PUNCT
fsr-3615	512	5	https://doi.org/10.1111/j.14657295.1988.tb01520.x	https://doi.org/10.1111/j.14657295.1988.tb01520.x	PUNCT
fsr-3615	512	6	shevlin	shevlin	NOUN
fsr-3615	512	7	,	,	PUNCT
fsr-3615	512	8	m.	m.	NOUN
fsr-3615	512	9	,	,	PUNCT
fsr-3615	512	10	mcbride	mcbride	PROPN
fsr-3615	512	11	,	,	PUNCT
fsr-3615	512	12	o.	o.	PROPN
fsr-3615	512	13	,	,	PUNCT
fsr-3615	512	14	murphy	murphy	PROPN
fsr-3615	512	15	,	,	PUNCT
fsr-3615	512	16	j.	j.	PROPN
fsr-3615	512	17	,	,	PUNCT
fsr-3615	512	18	miller	miller	PROPN
fsr-3615	512	19	,	,	PUNCT
fsr-3615	512	20	j.	j.	PROPN
fsr-3615	512	21	g.	g.	PROPN
fsr-3615	512	22	,	,	PUNCT
fsr-3615	512	23	hartman	hartman	PROPN
fsr-3615	512	24	,	,	PUNCT
fsr-3615	512	25	t.	t.	PROPN
fsr-3615	512	26	k.	k.	PROPN
fsr-3615	512	27	,	,	PUNCT
fsr-3615	512	28	levita	levita	PROPN
fsr-3615	512	29	,	,	PUNCT
fsr-3615	512	30	l.	l.	PROPN
fsr-3615	512	31	,	,	PUNCT
fsr-3615	512	32	...	...	PUNCT
fsr-3615	512	33	&	&	CCONJ
fsr-3615	512	34	bentall	bentall	PROPN
fsr-3615	512	35	,	,	PUNCT
fsr-3615	512	36	r.	r.	PROPN
fsr-3615	512	37	p.	p.	PROPN
fsr-3615	512	38	(	(	PUNCT
fsr-3615	512	39	2020	2020	NUM
fsr-3615	512	40	)	)	PUNCT
fsr-3615	512	41	.	.	PUNCT
fsr-3615	513	1	anxiety	anxiety	NOUN
fsr-3615	513	2	,	,	PUNCT
fsr-3615	513	3	depression	depression	NOUN
fsr-3615	513	4	,	,	PUNCT
fsr-3615	513	5	traumatic	traumatic	ADJ
fsr-3615	513	6	stress	stress	NOUN
fsr-3615	513	7	and	and	CCONJ
fsr-3615	513	8	covid19	covid19	NOUN
fsr-3615	513	9	-	-	PUNCT
fsr-3615	513	10	related	relate	VERB
fsr-3615	513	11	anxiety	anxiety	NOUN
fsr-3615	513	12	in	in	ADP
fsr-3615	513	13	the	the	DET
fsr-3615	513	14	uk	uk	PROPN
fsr-3615	513	15	general	general	ADJ
fsr-3615	513	16	population	population	NOUN
fsr-3615	513	17	during	during	ADP
fsr-3615	513	18	the	the	DET
fsr-3615	513	19	covid-19	covid-19	PROPN
fsr-3615	513	20	pandemic	pandemic	NOUN
fsr-3615	513	21	.	.	PUNCT
fsr-3615	514	1	bjpsych	bjpsych	PROPN
fsr-3615	514	2	open	open	ADJ
fsr-3615	514	3	,	,	PUNCT
fsr-3615	514	4	6(6	6(6	ADJ
fsr-3615	514	5	)	)	PUNCT
fsr-3615	514	6	,	,	PUNCT
fsr-3615	514	7	e125	e125	PROPN
fsr-3615	514	8	.	.	PUNCT
fsr-3615	514	9	stata	stata	PROPN
fsr-3615	514	10	.	.	PUNCT
fsr-3615	515	1	causal	causal	ADJ
fsr-3615	515	2	mediation	mediation	NOUN
fsr-3615	515	3	analysis	analysis	NOUN
fsr-3615	515	4	.	.	PUNCT
fsr-3615	516	1	in	in	ADP
fsr-3615	516	2	stata	stata	PROPN
fsr-3615	516	3	press	press	NOUN
fsr-3615	516	4	of	of	ADP
fsr-3615	516	5	mediate	mediate	PROPN
fsr-3615	516	6	.	.	PUNCT
fsr-3615	517	1	retrieved	retrieve	VERB
fsr-3615	517	2	dec	dec	PROPN
fsr-3615	517	3	10	10	NUM
fsr-3615	517	4	,	,	PUNCT
fsr-3615	517	5	2023	2023	NUM
fsr-3615	517	6	,	,	PUNCT
fsr-3615	517	7	from	from	ADP
fsr-3615	517	8	stata.com	stata.com	X
fsr-3615	517	9	.	.	PUNCT
fsr-3615	517	10	sweet	sweet	ADJ
fsr-3615	517	11	,	,	PUNCT
fsr-3615	517	12	e.	e.	PROPN
fsr-3615	517	13	(	(	PUNCT
fsr-3615	517	14	2021	2021	NUM
fsr-3615	517	15	)	)	PUNCT
fsr-3615	517	16	.	.	PUNCT
fsr-3615	518	1	debt	debt	NOUN
fsr-3615	518	2	-	-	PUNCT
fsr-3615	518	3	related	relate	VERB
fsr-3615	518	4	financial	financial	ADJ
fsr-3615	518	5	hardship	hardship	NOUN
fsr-3615	518	6	and	and	CCONJ
fsr-3615	518	7	health	health	NOUN
fsr-3615	518	8	.	.	PUNCT
fsr-3615	519	1	health	health	NOUN
fsr-3615	519	2	education	education	PROPN
fsr-3615	519	3	&	&	CCONJ
fsr-3615	519	4	behavior	behavior	PROPN
fsr-3615	519	5	,	,	PUNCT
fsr-3615	519	6	48(6	48(6	NOUN
fsr-3615	519	7	)	)	PUNCT
fsr-3615	519	8	,	,	PUNCT
fsr-3615	519	9	885	885	NUM
fsr-3615	519	10	-	-	SYM
fsr-3615	519	11	891	891	NUM
fsr-3615	519	12	.	.	PUNCT
fsr-3615	519	13	tang	tang	PROPN
fsr-3615	519	14	,	,	PUNCT
fsr-3615	519	15	t.	t.	PROPN
fsr-3615	519	16	l.	l.	PROPN
fsr-3615	519	17	p.	p.	PROPN
fsr-3615	519	18	,	,	PUNCT
fsr-3615	519	19	luna	luna	PROPN
fsr-3615	519	20	-	-	PUNCT
fsr-3615	519	21	arocas	arocas	PROPN
fsr-3615	519	22	,	,	PUNCT
fsr-3615	519	23	r.	r.	PROPN
fsr-3615	519	24	,	,	PUNCT
fsr-3615	519	25	&	&	CCONJ
fsr-3615	519	26	sutarso	sutarso	PROPN
fsr-3615	519	27	,	,	PUNCT
fsr-3615	519	28	t.	t.	PROPN
fsr-3615	519	29	(	(	PUNCT
fsr-3615	519	30	2005	2005	NUM
fsr-3615	519	31	)	)	PUNCT
fsr-3615	519	32	.	.	PUNCT
fsr-3615	520	1	from	from	ADP
fsr-3615	520	2	income	income	NOUN
fsr-3615	520	3	to	to	PART
fsr-3615	520	4	pay	pay	VERB
fsr-3615	520	5	satisfaction	satisfaction	NOUN
fsr-3615	520	6	:	:	PUNCT
fsr-3615	520	7	the	the	DET
fsr-3615	520	8	love	love	NOUN
fsr-3615	520	9	of	of	ADP
fsr-3615	520	10	money	money	NOUN
fsr-3615	520	11	and	and	CCONJ
fsr-3615	520	12	pay	pay	VERB
fsr-3615	520	13	equity	equity	NOUN
fsr-3615	520	14	comparison	comparison	NOUN
fsr-3615	520	15	as	as	ADP
fsr-3615	520	16	mediators	mediator	NOUN
fsr-3615	520	17	and	and	CCONJ
fsr-3615	520	18	culture	culture	NOUN
fsr-3615	520	19	(	(	PUNCT
fsr-3615	520	20	the	the	DET
fsr-3615	520	21	united	united	PROPN
fsr-3615	520	22	states	states	PROPN
fsr-3615	520	23	and	and	CCONJ
fsr-3615	520	24	spain	spain	PROPN
fsr-3615	520	25	)	)	PUNCT
fsr-3615	520	26	and	and	CCONJ
fsr-3615	520	27	gender	gender	NOUN
fsr-3615	520	28	as	as	ADP
fsr-3615	520	29	moderators	moderator	NOUN
fsr-3615	520	30	.	.	PUNCT
fsr-3615	521	1	management	management	NOUN
fsr-3615	521	2	research	research	NOUN
fsr-3615	521	3	:	:	PUNCT
fsr-3615	521	4	journal	journal	NOUN
fsr-3615	521	5	of	of	ADP
fsr-3615	521	6	the	the	DET
fsr-3615	521	7	iberoamerican	iberoamerican	PROPN
fsr-3615	521	8	academy	academy	PROPN
fsr-3615	521	9	of	of	ADP
fsr-3615	521	10	management	management	NOUN
fsr-3615	521	11	,	,	PUNCT
fsr-3615	521	12	3(1	3(1	NUM
fsr-3615	521	13	)	)	PUNCT
fsr-3615	521	14	,	,	PUNCT
fsr-3615	521	15	7–26	7–26	NOUN
fsr-3615	521	16	.	.	PUNCT
fsr-3615	522	1	tharayil	tharayil	PROPN
fsr-3615	522	2	,	,	PUNCT
fsr-3615	522	3	a.	a.	NOUN
fsr-3615	522	4	,	,	PUNCT
fsr-3615	522	5	&	&	CCONJ
fsr-3615	522	6	walstad	walstad	PROPN
fsr-3615	522	7	,	,	PUNCT
fsr-3615	522	8	w.	w.	PROPN
fsr-3615	522	9	b.	b.	PROPN
fsr-3615	522	10	(	(	PUNCT
fsr-3615	522	11	2022	2022	NUM
fsr-3615	522	12	)	)	PUNCT
fsr-3615	522	13	.	.	PUNCT
fsr-3615	523	1	financial	financial	ADJ
fsr-3615	523	2	literacy	literacy	NOUN
fsr-3615	523	3	and	and	CCONJ
fsr-3615	523	4	the	the	DET
fsr-3615	523	5	early	early	ADJ
fsr-3615	523	6	withdrawal	withdrawal	NOUN
fsr-3615	523	7	of	of	ADP
fsr-3615	523	8	funds	fund	NOUN
fsr-3615	523	9	from	from	ADP
fsr-3615	523	10	retirement	retirement	NOUN
fsr-3615	523	11	accounts	account	NOUN
fsr-3615	523	12	.	.	PUNCT
fsr-3615	524	1	journal	journal	NOUN
fsr-3615	524	2	of	of	ADP
fsr-3615	524	3	financial	financial	ADJ
fsr-3615	524	4	counseling	counseling	NOUN
fsr-3615	524	5	and	and	CCONJ
fsr-3615	524	6	planning	planning	NOUN
fsr-3615	524	7	,	,	PUNCT
fsr-3615	524	8	33(1	33(1	NUM
fsr-3615	524	9	)	)	PUNCT
fsr-3615	524	10	,	,	PUNCT
fsr-3615	524	11	44	44	NUM
fsr-3615	524	12	-	-	SYM
fsr-3615	524	13	55	55	NUM
fsr-3615	524	14	.	.	PUNCT
fsr-3615	525	1	tucker	tucker	PROPN
fsr-3615	525	2	-	-	PUNCT
fsr-3615	525	3	seeley	seeley	PROPN
fsr-3615	525	4	,	,	PUNCT
fsr-3615	525	5	r.	r.	PROPN
fsr-3615	525	6	d.	d.	PROPN
fsr-3615	525	7	,	,	PUNCT
fsr-3615	525	8	li	li	PROPN
fsr-3615	525	9	,	,	PUNCT
fsr-3615	525	10	y.	y.	PROPN
fsr-3615	525	11	,	,	PUNCT
fsr-3615	525	12	subramanian	subramanian	PROPN
fsr-3615	525	13	,	,	PUNCT
fsr-3615	525	14	s.	s.	PROPN
fsr-3615	525	15	v.	v.	PROPN
fsr-3615	525	16	,	,	PUNCT
fsr-3615	525	17	&	&	CCONJ
fsr-3615	525	18	sorensen	sorensen	PROPN
fsr-3615	525	19	,	,	PUNCT
fsr-3615	525	20	g.	g.	PROPN
fsr-3615	525	21	(	(	PUNCT
fsr-3615	525	22	2009	2009	NUM
fsr-3615	525	23	)	)	PUNCT
fsr-3615	525	24	.	.	PUNCT
fsr-3615	526	1	financial	financial	ADJ
fsr-3615	526	2	hardship	hardship	NOUN
fsr-3615	526	3	and	and	CCONJ
fsr-3615	526	4	mortality	mortality	NOUN
fsr-3615	526	5	among	among	ADP
fsr-3615	526	6	older	old	ADJ
fsr-3615	526	7	adults	adult	NOUN
fsr-3615	526	8	using	use	VERB
fsr-3615	526	9	the	the	DET
fsr-3615	526	10	1996–2004	1996–2004	NUM
fsr-3615	526	11	health	health	NOUN
fsr-3615	526	12	and	and	CCONJ
fsr-3615	526	13	retirement	retirement	NOUN
fsr-3615	526	14	study	study	NOUN
fsr-3615	526	15	.	.	PUNCT
fsr-3615	527	1	annals	annal	NOUN
fsr-3615	527	2	of	of	ADP
fsr-3615	527	3	epidemiology	epidemiology	NOUN
fsr-3615	527	4	,	,	PUNCT
fsr-3615	527	5	19(12	19(12	NUM
fsr-3615	527	6	)	)	PUNCT
fsr-3615	527	7	,	,	PUNCT
fsr-3615	527	8	850	850	NUM
fsr-3615	527	9	-	-	SYM
fsr-3615	527	10	857	857	NUM
fsr-3615	527	11	.	.	PUNCT
fsr-3615	528	1	united	united	PROPN
fsr-3615	528	2	states	states	PROPN
fsr-3615	528	3	congress	congress	PROPN
fsr-3615	528	4	.	.	PUNCT
fsr-3615	529	1	(	(	PUNCT
fsr-3615	529	2	2020	2020	NUM
fsr-3615	529	3	)	)	PUNCT
fsr-3615	529	4	.	.	PUNCT
fsr-3615	530	1	coronavirus	coronavirus	NOUN
fsr-3615	530	2	aid	aid	NOUN
fsr-3615	530	3	,	,	PUNCT
fsr-3615	530	4	relief	relief	NOUN
fsr-3615	530	5	,	,	PUNCT
fsr-3615	530	6	and	and	CCONJ
fsr-3615	530	7	economic	economic	ADJ
fsr-3615	530	8	security	security	NOUN
fsr-3615	530	9	act	act	NOUN
fsr-3615	530	10	,	,	PUNCT
fsr-3615	530	11	pub	pub	NOUN
fsr-3615	530	12	.	.	PUNCT
fsr-3615	531	1	l.	l.	PROPN
fsr-3615	531	2	no	no	INTJ
fsr-3615	531	3	.	.	PROPN
fsr-3615	532	1	116	116	NUM
fsr-3615	532	2	-	-	SYM
fsr-3615	532	3	136	136	NUM
fsr-3615	532	4	,	,	PUNCT
fsr-3615	532	5	134	134	NUM
fsr-3615	532	6	stat	stat	NOUN
fsr-3615	532	7	.	.	PUNCT
fsr-3615	533	1	281	281	NUM
fsr-3615	533	2	.	.	PUNCT
fsr-3615	533	3	https://www.congress.gov/bill/116thcongress/house-bill/748/text	https://www.congress.gov/bill/116thcongress/house-bill/748/text	PROPN
fsr-3615	533	4	https://www.pandemicoversight.gov/data-interactive-tools/data-stories/three-rounds-stimulus-checks-see-how-many-went-out-and-how-much	https://www.pandemicoversight.gov/data-interactive-tools/data-stories/three-rounds-stimulus-checks-see-how-many-went-out-and-how-much	PROPN
fsr-3615	533	5	https://www.pandemicoversight.gov/data-interactive-tools/data-stories/three-rounds-stimulus-checks-see-how-many-went-out-and-how-much	https://www.pandemicoversight.gov/data-interactive-tools/data-stories/three-rounds-stimulus-checks-see-how-many-went-out-and-how-much	PROPN
fsr-3615	533	6	https://www.pandemicoversight.gov/data-interactive-tools/data-stories/three-rounds-stimulus-checks-see-how-many-went-out-and-how-much	https://www.pandemicoversight.gov/data-interactive-tools/data-stories/three-rounds-stimulus-checks-see-how-many-went-out-and-how-much	PROPN
fsr-3615	533	7	https://www.pandemicoversight.gov/data-interactive-tools/data-stories/three-rounds-stimulus-checks-see-how-many-went-out-and-how-much	https://www.pandemicoversight.gov/data-interactive-tools/data-stories/three-rounds-stimulus-checks-see-how-many-went-out-and-how-much	PROPN
fsr-3615	534	1	https://doi.org/10.1257/aer.99.2.374	https://doi.org/10.1257/aer.99.2.374	PROPN
fsr-3615	534	2	https://doi.org/10.1257/aer.99.2.374	https://doi.org/10.1257/aer.99.2.374	NOUN
fsr-3615	534	3	https://doi.org/10.1111/j.1465-7295.1988.tb01520.x	https://doi.org/10.1111/j.1465-7295.1988.tb01520.x	PROPN
fsr-3615	534	4	https://doi.org/10.1111/j.1465-7295.1988.tb01520.x	https://doi.org/10.1111/j.1465-7295.1988.tb01520.x	VERB
fsr-3615	534	5	financial	financial	ADJ
fsr-3615	534	6	services	service	NOUN
fsr-3615	534	7	review	review	PROPN
fsr-3615	534	8	,	,	PUNCT
fsr-3615	534	9	33(1	33(1	NUM
fsr-3615	534	10	)	)	PUNCT
fsr-3615	534	11	22	22	NUM
fsr-3615	534	12	whitson	whitson	PROPN
fsr-3615	534	13	,	,	PUNCT
fsr-3615	534	14	j.	j.	PROPN
fsr-3615	534	15	a.	a.	PROPN
fsr-3615	534	16	,	,	PUNCT
fsr-3615	534	17	&	&	CCONJ
fsr-3615	534	18	galinsky	galinsky	PROPN
fsr-3615	534	19	,	,	PUNCT
fsr-3615	534	20	a.	a.	PROPN
fsr-3615	534	21	d.	d.	PROPN
fsr-3615	534	22	(	(	PUNCT
fsr-3615	534	23	2008	2008	NUM
fsr-3615	534	24	)	)	PUNCT
fsr-3615	534	25	.	.	PUNCT
fsr-3615	535	1	lacking	lack	VERB
fsr-3615	535	2	control	control	NOUN
fsr-3615	535	3	increases	increase	VERB
fsr-3615	535	4	illusory	illusory	ADJ
fsr-3615	535	5	pattern	pattern	NOUN
fsr-3615	535	6	perception	perception	NOUN
fsr-3615	535	7	.	.	PUNCT
fsr-3615	536	1	science	science	NOUN
fsr-3615	536	2	,	,	PUNCT
fsr-3615	536	3	322(5898	322(5898	NUM
fsr-3615	536	4	)	)	PUNCT
fsr-3615	536	5	,	,	PUNCT
fsr-3615	536	6	115	115	NUM
fsr-3615	536	7	-	-	SYM
fsr-3615	536	8	117	117	NUM
fsr-3615	536	9	.	.	PUNCT
fsr-3615	537	1	xia	xia	PROPN
fsr-3615	537	2	,	,	PUNCT
fsr-3615	537	3	t.	t.	PROPN
fsr-3615	537	4	,	,	PUNCT
fsr-3615	537	5	wang	wang	PROPN
fsr-3615	537	6	,	,	PUNCT
fsr-3615	537	7	z.	z.	PROPN
fsr-3615	537	8	,	,	PUNCT
fsr-3615	537	9	&	&	CCONJ
fsr-3615	537	10	li	li	PROPN
fsr-3615	537	11	,	,	PUNCT
fsr-3615	537	12	k.	k.	PROPN
fsr-3615	537	13	(	(	PUNCT
fsr-3615	537	14	2014	2014	NUM
fsr-3615	537	15	)	)	PUNCT
fsr-3615	537	16	.	.	PUNCT
fsr-3615	538	1	financial	financial	ADJ
fsr-3615	538	2	literacy	literacy	NOUN
fsr-3615	538	3	overconfidence	overconfidence	NOUN
fsr-3615	538	4	and	and	CCONJ
fsr-3615	538	5	stock	stock	NOUN
fsr-3615	538	6	market	market	NOUN
fsr-3615	538	7	participation	participation	NOUN
fsr-3615	538	8	.	.	PUNCT
fsr-3615	539	1	social	social	ADJ
fsr-3615	539	2	indicators	indicator	NOUN
fsr-3615	539	3	research	research	VERB
fsr-3615	539	4	,	,	PUNCT
fsr-3615	539	5	119(3	119(3	NUM
fsr-3615	539	6	)	)	PUNCT
fsr-3615	539	7	,	,	PUNCT
fsr-3615	539	8	1233–1245	1233–1245	NUM
fsr-3615	539	9	.	.	PUNCT
fsr-3615	540	1	https://doi.org/10.1007/s11205-0130555-9	https://doi.org/10.1007/s11205-0130555-9	PROPN
fsr-3615	540	2	xiao	xiao	PROPN
fsr-3615	540	3	,	,	PUNCT
fsr-3615	540	4	j.	j.	PROPN
fsr-3615	540	5	j.	j.	PROPN
fsr-3615	540	6	,	,	PUNCT
fsr-3615	540	7	&	&	CCONJ
fsr-3615	540	8	porto	porto	PROPN
fsr-3615	540	9	,	,	PUNCT
fsr-3615	540	10	n.	n.	NOUN
fsr-3615	540	11	(	(	PUNCT
fsr-3615	540	12	2022	2022	NUM
fsr-3615	540	13	)	)	PUNCT
fsr-3615	540	14	.	.	PUNCT
fsr-3615	541	1	financial	financial	ADJ
fsr-3615	541	2	capability	capability	NOUN
fsr-3615	541	3	and	and	CCONJ
fsr-3615	541	4	wellbeing	wellbee	VERB
fsr-3615	541	5	of	of	ADP
fsr-3615	541	6	vulnerable	vulnerable	ADJ
fsr-3615	541	7	consumers	consumer	NOUN
fsr-3615	541	8	.	.	PUNCT
fsr-3615	542	1	journal	journal	NOUN
fsr-3615	542	2	of	of	ADP
fsr-3615	542	3	consumer	consumer	NOUN
fsr-3615	542	4	affairs	affair	NOUN
fsr-3615	542	5	,	,	PUNCT
fsr-3615	542	6	56(2	56(2	ADJ
fsr-3615	542	7	)	)	PUNCT
fsr-3615	542	8	,	,	PUNCT
fsr-3615	542	9	1004	1004	NUM
fsr-3615	542	10	-	-	SYM
fsr-3615	542	11	1018	1018	NUM
fsr-3615	542	12	.	.	PUNCT
fsr-3615	543	1	xiao	xiao	PROPN
fsr-3615	543	2	,	,	PUNCT
fsr-3615	543	3	j.j	j.j	PROPN
fsr-3615	543	4	.	.	PROPN
fsr-3615	543	5	,	,	PUNCT
fsr-3615	543	6	chen	chen	PROPN
fsr-3615	543	7	,	,	PUNCT
fsr-3615	543	8	c.	c.	PROPN
fsr-3615	543	9	,	,	PUNCT
fsr-3615	543	10	chen	chen	PROPN
fsr-3615	543	11	,	,	PUNCT
fsr-3615	543	12	f.	f.	PROPN
fsr-3615	543	13	(	(	PUNCT
fsr-3615	543	14	2014	2014	NUM
fsr-3615	543	15	)	)	PUNCT
fsr-3615	543	16	.	.	PUNCT
fsr-3615	544	1	consumer	consumer	NOUN
fsr-3615	544	2	financial	financial	ADJ
fsr-3615	544	3	capability	capability	NOUN
fsr-3615	544	4	and	and	CCONJ
fsr-3615	544	5	financial	financial	ADJ
fsr-3615	544	6	satisfaction	satisfaction	NOUN
fsr-3615	544	7	.	.	PUNCT
fsr-3615	545	1	social	social	ADJ
fsr-3615	545	2	indicators	indicator	NOUN
fsr-3615	545	3	research	research	NOUN
fsr-3615	545	4	,	,	PUNCT
fsr-3615	545	5	118(1	118(1	NUM
fsr-3615	545	6	)	)	PUNCT
fsr-3615	545	7	,	,	PUNCT
fsr-3615	545	8	415–432	415–432	NUM
fsr-3615	545	9	.	.	PUNCT
fsr-3615	546	1	xu	xu	PROPN
fsr-3615	546	2	,	,	PUNCT
fsr-3615	546	3	y.	y.	PROPN
fsr-3615	546	4	,	,	PUNCT
fsr-3615	546	5	&	&	CCONJ
fsr-3615	546	6	yao	yao	PROPN
fsr-3615	546	7	,	,	PUNCT
fsr-3615	546	8	r.	r.	PROPN
fsr-3615	546	9	(	(	PUNCT
fsr-3615	546	10	2022	2022	NUM
fsr-3615	546	11	)	)	PUNCT
fsr-3615	546	12	.	.	PUNCT
fsr-3615	547	1	u.s	u.s	PROPN
fsr-3615	547	2	.	.	PROPN
fsr-3615	547	3	household	household	NOUN
fsr-3615	547	4	financial	financial	ADJ
fsr-3615	547	5	vulnerability	vulnerability	NOUN
fsr-3615	547	6	:	:	PUNCT
fsr-3615	547	7	prediction	prediction	NOUN
fsr-3615	547	8	analyses	analysis	NOUN
fsr-3615	547	9	in	in	ADP
fsr-3615	547	10	the	the	DET
fsr-3615	547	11	covid-19	covid-19	PROPN
fsr-3615	547	12	pandemic	pandemic	NOUN
fsr-3615	547	13	.	.	PUNCT
fsr-3615	548	1	journal	journal	PROPN
fsr-3615	548	2	of	of	ADP
fsr-3615	548	3	financial	financial	ADJ
fsr-3615	548	4	counseling	counseling	NOUN
fsr-3615	548	5	and	and	CCONJ
fsr-3615	548	6	planning	planning	NOUN
fsr-3615	548	7	,	,	PUNCT
fsr-3615	548	8	33(2	33(2	NUM
fsr-3615	548	9	)	)	PUNCT
fsr-3615	548	10	,	,	PUNCT
fsr-3615	548	11	228	228	NUM
fsr-3615	548	12	-	-	SYM
fsr-3615	548	13	242	242	NUM
fsr-3615	548	14	.	.	PUNCT
fsr-3615	549	1	yue	yue	PROPN
fsr-3615	549	2	,	,	PUNCT
fsr-3615	549	3	p.	p.	NOUN
fsr-3615	549	4	,	,	PUNCT
fsr-3615	549	5	gizem	gizem	NOUN
fsr-3615	549	6	korkmaz	korkmaz	NOUN
fsr-3615	549	7	,	,	PUNCT
fsr-3615	549	8	a.	a.	PROPN
fsr-3615	549	9	,	,	PUNCT
fsr-3615	549	10	&	&	CCONJ
fsr-3615	549	11	zhou	zhou	PROPN
fsr-3615	549	12	,	,	PUNCT
fsr-3615	549	13	h.	h.	PROPN
fsr-3615	549	14	(	(	PUNCT
fsr-3615	549	15	2020	2020	NUM
fsr-3615	549	16	)	)	PUNCT
fsr-3615	549	17	.	.	PUNCT
fsr-3615	550	1	household	household	NOUN
fsr-3615	550	2	financial	financial	ADJ
fsr-3615	550	3	decision	decision	NOUN
fsr-3615	550	4	making	making	NOUN
fsr-3615	550	5	amidst	amidst	ADP
fsr-3615	550	6	the	the	DET
fsr-3615	550	7	covid-19	covid-19	PROPN
fsr-3615	550	8	pandemic	pandemic	NOUN
fsr-3615	550	9	.	.	PUNCT
fsr-3615	551	1	emerging	emerge	VERB
fsr-3615	551	2	markets	market	NOUN
fsr-3615	551	3	finance	finance	NOUN
fsr-3615	551	4	and	and	CCONJ
fsr-3615	551	5	trade	trade	NOUN
fsr-3615	551	6	,	,	PUNCT
fsr-3615	551	7	56(10	56(10	NUM
fsr-3615	551	8	)	)	PUNCT
fsr-3615	551	9	,	,	PUNCT
fsr-3615	551	10	2363	2363	NUM
fsr-3615	551	11	-	-	SYM
fsr-3615	551	12	2377	2377	NUM
fsr-3615	551	13	.	.	PUNCT
fsr-3615	552	1	yuh	yuh	PROPN
fsr-3615	552	2	,	,	PUNCT
fsr-3615	552	3	y.	y.	PROPN
fsr-3615	552	4	&	&	CCONJ
fsr-3615	552	5	hanna	hanna	PROPN
fsr-3615	552	6	,	,	PUNCT
fsr-3615	552	7	s.d	s.d	PROPN
fsr-3615	552	8	.	.	PROPN
fsr-3615	552	9	(	(	PUNCT
fsr-3615	552	10	2010	2010	NUM
fsr-3615	552	11	)	)	PUNCT
fsr-3615	552	12	.	.	PUNCT
fsr-3615	553	1	which	which	DET
fsr-3615	553	2	households	household	NOUN
fsr-3615	553	3	think	think	VERB
fsr-3615	553	4	they	they	PRON
fsr-3615	553	5	save	save	VERB
fsr-3615	553	6	?	?	PUNCT
fsr-3615	554	1	journal	journal	NOUN
fsr-3615	554	2	of	of	ADP
fsr-3615	554	3	consumer	consumer	NOUN
fsr-3615	554	4	affairs	affair	NOUN
fsr-3615	554	5	,	,	PUNCT
fsr-3615	554	6	44	44	NUM
fsr-3615	554	7	,	,	PUNCT
fsr-3615	554	8	70–97	70–97	NUM
fsr-3615	554	9	.	.	PUNCT
fsr-3615	555	1	zhang	zhang	PROPN
fsr-3615	555	2	,	,	PUNCT
fsr-3615	555	3	k.	k.	PROPN
fsr-3615	555	4	(	(	PUNCT
fsr-3615	555	5	1989	1989	NUM
fsr-3615	555	6	)	)	PUNCT
fsr-3615	555	7	.	.	PUNCT
fsr-3615	556	1	factors	factor	NOUN
fsr-3615	556	2	affecting	affect	VERB
fsr-3615	556	3	financial	financial	ADJ
fsr-3615	556	4	resources	resource	NOUN
fsr-3615	556	5	management	management	NOUN
fsr-3615	556	6	behaviors	behavior	NOUN
fsr-3615	556	7	.	.	PUNCT
fsr-3615	557	1	the	the	DET
fsr-3615	557	2	university	university	PROPN
fsr-3615	557	3	of	of	ADP
fsr-3615	557	4	arizona	arizona	PROPN
fsr-3615	557	5	.	.	PUNCT
fsr-3615	558	1	https://doi.org/10.1007/s11205-013-0555-9	https://doi.org/10.1007/s11205-013-0555-9	NUM
fsr-3615	558	2	https://doi.org/10.1007/s11205-013-0555-9	https://doi.org/10.1007/s11205-013-0555-9	NUM
fsr-3615	558	3	https://doi.org/10.1007/s11205-013-0555-9	https://doi.org/10.1007/s11205-013-0555-9	NUM
fsr-3615	558	4	https://doi.org/10.1007/s11205-013-0555-9	https://doi.org/10.1007/s11205-013-0555-9	NUM
fsr-3615	558	5	ouyang	ouyang	X
fsr-3615	558	6	et	et	PROPN
fsr-3615	558	7	al	al	PROPN
fsr-3615	558	8	.	.	PROPN
fsr-3615	558	9	23	23	NUM
fsr-3615	558	10	appendix	appendix	VERB
fsr-3615	558	11	a	a	PRON
fsr-3615	558	12	:	:	PUNCT
fsr-3615	558	13	details	detail	NOUN
fsr-3615	558	14	of	of	ADP
fsr-3615	558	15	independent	independent	ADJ
fsr-3615	558	16	variables	variable	NOUN
fsr-3615	558	17	details	detail	NOUN
fsr-3615	558	18	of	of	ADP
fsr-3615	558	19	selected	select	VERB
fsr-3615	558	20	independent	independent	ADJ
fsr-3615	558	21	variables	variable	NOUN
fsr-3615	558	22	are	be	AUX
fsr-3615	558	23	presented	present	VERB
fsr-3615	558	24	in	in	ADP
fsr-3615	558	25	this	this	DET
fsr-3615	558	26	section	section	NOUN
fsr-3615	558	27	.	.	PUNCT
fsr-3615	559	1	a.1	a.1	X
fsr-3615	559	2	age	age	NOUN
fsr-3615	559	3	age	age	NOUN
fsr-3615	559	4	was	be	AUX
fsr-3615	559	5	categorized	categorize	VERB
fsr-3615	559	6	based	base	VERB
fsr-3615	559	7	on	on	ADP
fsr-3615	559	8	the	the	DET
fsr-3615	559	9	respondent	respondent	NOUN
fsr-3615	559	10	’s	’s	PART
fsr-3615	559	11	response	response	NOUN
fsr-3615	559	12	as	as	ADP
fsr-3615	559	13	25	25	NUM
fsr-3615	559	14	-	-	SYM
fsr-3615	559	15	34	34	NUM
fsr-3615	559	16	,	,	PUNCT
fsr-3615	559	17	35	35	NUM
fsr-3615	559	18	-	-	SYM
fsr-3615	559	19	44	44	NUM
fsr-3615	559	20	,	,	PUNCT
fsr-3615	559	21	45	45	NUM
fsr-3615	559	22	-	-	SYM
fsr-3615	559	23	54	54	NUM
fsr-3615	559	24	,	,	PUNCT
fsr-3615	559	25	55	55	NUM
fsr-3615	559	26	-	-	SYM
fsr-3615	559	27	64	64	NUM
fsr-3615	559	28	,	,	PUNCT
fsr-3615	559	29	and	and	CCONJ
fsr-3615	559	30	65	65	NUM
fsr-3615	559	31	+	+	NOUN
fsr-3615	559	32	.	.	PUNCT
fsr-3615	560	1	the	the	DET
fsr-3615	560	2	code	code	NOUN
fsr-3615	560	3	was	be	AUX
fsr-3615	560	4	based	base	VERB
fsr-3615	560	5	on	on	ADP
fsr-3615	560	6	the	the	DET
fsr-3615	560	7	following	follow	VERB
fsr-3615	560	8	question	question	NOUN
fsr-3615	560	9	:	:	PUNCT
fsr-3615	560	10	a3a)5	a3a)5	PROPN
fsr-3615	560	11	what	what	PRON
fsr-3615	560	12	is	be	AUX
fsr-3615	560	13	your	your	PRON
fsr-3615	560	14	age	age	NOUN
fsr-3615	560	15	?	?	PUNCT
fsr-3615	561	1	a.2	a.2	PROPN
fsr-3615	561	2	gender	gender	NOUN
fsr-3615	561	3	gender	gender	NOUN
fsr-3615	561	4	was	be	AUX
fsr-3615	561	5	categorized	categorize	VERB
fsr-3615	561	6	based	base	VERB
fsr-3615	561	7	on	on	ADP
fsr-3615	561	8	the	the	DET
fsr-3615	561	9	respondent	respondent	NOUN
fsr-3615	561	10	’s	’s	PART
fsr-3615	561	11	responses	response	NOUN
fsr-3615	561	12	based	base	VERB
fsr-3615	561	13	on	on	ADP
fsr-3615	561	14	the	the	DET
fsr-3615	561	15	following	follow	VERB
fsr-3615	561	16	question	question	NOUN
fsr-3615	561	17	:	:	PUNCT
fsr-3615	561	18	a50a)4	a50a)4	PROPN
fsr-3615	562	1	[	[	X
fsr-3615	562	2	builder	builder	NOUN
fsr-3615	562	3	:	:	PUNCT
fsr-3615	562	4	punch	punch	VERB
fsr-3615	562	5	gender	gender	NOUN
fsr-3615	562	6	from	from	ADP
fsr-3615	562	7	q.a50	q.a50	NUM
fsr-3615	562	8	;	;	PUNCT
fsr-3615	562	9	if	if	SCONJ
fsr-3615	562	10	q.a50	q.a50	NUM
fsr-3615	562	11	=	=	SYM
fsr-3615	562	12	3	3	NUM
fsr-3615	562	13	,	,	PUNCT
fsr-3615	562	14	randomly	randomly	ADV
fsr-3615	562	15	assign	assign	VERB
fsr-3615	562	16	to	to	ADP
fsr-3615	562	17	male	male	ADJ
fsr-3615	562	18	or	or	CCONJ
fsr-3615	562	19	female	female	ADJ
fsr-3615	562	20	male	male	NOUN
fsr-3615	562	21	..............................................................................................................................	..............................................................................................................................	PUNCT
fsr-3615	563	1	1	1	NUM
fsr-3615	563	2	female	female	ADJ
fsr-3615	563	3	..........................................................................................................................	..........................................................................................................................	NOUN
fsr-3615	563	4	2	2	NUM
fsr-3615	563	5	a.3	a.3	NOUN
fsr-3615	563	6	ethnicity	ethnicity	NOUN
fsr-3615	563	7	ethnicity	ethnicity	NOUN
fsr-3615	563	8	was	be	AUX
fsr-3615	563	9	categorized	categorize	VERB
fsr-3615	563	10	as	as	ADP
fsr-3615	563	11	non	non	ADJ
fsr-3615	563	12	-	-	ADJ
fsr-3615	563	13	hispanic	hispanic	ADJ
fsr-3615	563	14	white	white	ADJ
fsr-3615	563	15	and	and	CCONJ
fsr-3615	563	16	non	non	ADJ
fsr-3615	563	17	-	-	ADJ
fsr-3615	563	18	white	white	ADJ
fsr-3615	563	19	based	base	VERB
fsr-3615	563	20	on	on	ADP
fsr-3615	563	21	the	the	DET
fsr-3615	563	22	following	follow	VERB
fsr-3615	563	23	question	question	NOUN
fsr-3615	563	24	:	:	PUNCT
fsr-3615	563	25	a4)7	a4)7	ADP
fsr-3615	563	26	which	which	PRON
fsr-3615	563	27	of	of	ADP
fsr-3615	563	28	the	the	DET
fsr-3615	563	29	following	following	NOUN
fsr-3615	563	30	best	good	ADJ
fsr-3615	563	31	describes	describe	VERB
fsr-3615	563	32	your	your	PRON
fsr-3615	563	33	race	race	NOUN
fsr-3615	563	34	or	or	CCONJ
fsr-3615	563	35	ethnicity	ethnicity	NOUN
fsr-3615	563	36	?	?	PUNCT
fsr-3615	564	1	select	select	VERB
fsr-3615	564	2	all	all	PRON
fsr-3615	564	3	that	that	PRON
fsr-3615	564	4	apply	apply	VERB
fsr-3615	564	5	.	.	PUNCT
fsr-3615	565	1	[	[	X
fsr-3615	565	2	code	code	NOUN
fsr-3615	565	3	99	99	NUM
fsr-3615	565	4	exclusive][builder	exclusive][builder	ADJ
fsr-3615	565	5	:	:	PUNCT
fsr-3615	565	6	note	note	NOUN
fsr-3615	565	7	punch	punch	NOUN
fsr-3615	565	8	7	7	NUM
fsr-3615	565	9	is	be	AUX
fsr-3615	565	10	not	not	PART
fsr-3615	565	11	in	in	ADP
fsr-3615	565	12	order	order	NOUN
fsr-3615	565	13	]	]	PUNCT
fsr-3615	566	1	[	[	X
fsr-3615	566	2	m	m	X
fsr-3615	566	3	]	]	X
fsr-3615	566	4	white	white	ADJ
fsr-3615	566	5	or	or	CCONJ
fsr-3615	566	6	caucasian	caucasian	ADJ
fsr-3615	566	7	.......................................................................................................	.......................................................................................................	PUNCT
fsr-3615	567	1	1	1	NUM
fsr-3615	567	2	black	black	ADJ
fsr-3615	567	3	or	or	CCONJ
fsr-3615	567	4	african	african	ADJ
fsr-3615	567	5	-	-	PUNCT
fsr-3615	567	6	american	american	ADJ
fsr-3615	567	7	...........................................................................................	...........................................................................................	PUNCT
fsr-3615	567	8	2	2	NUM
fsr-3615	567	9	hispanic	hispanic	NOUN
fsr-3615	567	10	or	or	CCONJ
fsr-3615	567	11	latino	latino	ADJ
fsr-3615	567	12	/	/	SYM
fsr-3615	567	13	a	a	PRON
fsr-3615	567	14	......................................................................................................	......................................................................................................	NOUN
fsr-3615	567	15	3	3	NUM
fsr-3615	567	16	asian	asian	NOUN
fsr-3615	567	17	.............................................................................................................................	.............................................................................................................................	PUNCT
fsr-3615	567	18	4	4	NUM
fsr-3615	567	19	native	native	ADJ
fsr-3615	567	20	hawaiian	hawaiian	ADJ
fsr-3615	567	21	or	or	CCONJ
fsr-3615	567	22	other	other	ADJ
fsr-3615	567	23	pacific	pacific	PROPN
fsr-3615	567	24	islander	islander	PROPN
fsr-3615	567	25	....................................................................	....................................................................	PUNCT
fsr-3615	567	26	7	7	NUM
fsr-3615	567	27	american	american	PROPN
fsr-3615	567	28	indian	indian	PROPN
fsr-3615	567	29	or	or	CCONJ
fsr-3615	567	30	alaska	alaska	PROPN
fsr-3615	567	31	native	native	ADJ
fsr-3615	567	32	................................................................................	................................................................................	PROPN
fsr-3615	567	33	5	5	NUM
fsr-3615	567	34	other	other	ADJ
fsr-3615	567	35	.............................................................................................................................	.............................................................................................................................	PUNCT
fsr-3615	567	36	6	6	NUM
fsr-3615	567	37	a.3	a.3	NOUN
fsr-3615	567	38	education	education	NOUN
fsr-3615	567	39	i	i	PRON
fsr-3615	567	40	categorize	categorize	VERB
fsr-3615	567	41	the	the	DET
fsr-3615	567	42	respondent	respondent	NOUN
fsr-3615	567	43	’s	’s	PART
fsr-3615	567	44	highest	high	ADJ
fsr-3615	567	45	level	level	NOUN
fsr-3615	567	46	of	of	ADP
fsr-3615	567	47	education	education	NOUN
fsr-3615	567	48	as	as	ADP
fsr-3615	567	49	less	less	ADJ
fsr-3615	567	50	than	than	ADP
fsr-3615	567	51	college	college	NOUN
fsr-3615	567	52	,	,	PUNCT
fsr-3615	567	53	some	some	DET
fsr-3615	567	54	college	college	NOUN
fsr-3615	567	55	,	,	PUNCT
fsr-3615	567	56	associate	associate	NOUN
fsr-3615	567	57	degree	degree	NOUN
fsr-3615	567	58	,	,	PUNCT
fsr-3615	567	59	bachelor	bachelor	NOUN
fsr-3615	567	60	’s	’s	PART
fsr-3615	567	61	degree	degree	NOUN
fsr-3615	567	62	,	,	PUNCT
fsr-3615	567	63	and	and	CCONJ
fsr-3615	567	64	post	post	ADJ
fsr-3615	567	65	-	-	ADJ
fsr-3615	567	66	graduate	graduate	ADJ
fsr-3615	567	67	degree	degree	NOUN
fsr-3615	567	68	.	.	PUNCT
fsr-3615	568	1	the	the	DET
fsr-3615	568	2	code	code	NOUN
fsr-3615	568	3	was	be	AUX
fsr-3615	568	4	based	base	VERB
fsr-3615	568	5	on	on	ADP
fsr-3615	568	6	following	follow	VERB
fsr-3615	568	7	questions	question	NOUN
fsr-3615	568	8	:	:	PUNCT
fsr-3615	568	9	a5)12,13	a5)12,13	NOUN
fsr-3615	568	10	what	what	PRON
fsr-3615	568	11	was	be	AUX
fsr-3615	568	12	the	the	DET
fsr-3615	568	13	highest	high	ADJ
fsr-3615	568	14	level	level	NOUN
fsr-3615	568	15	of	of	ADP
fsr-3615	568	16	education	education	NOUN
fsr-3615	568	17	that	that	PRON
fsr-3615	568	18	you	you	PRON
fsr-3615	568	19	completed	complete	VERB
fsr-3615	568	20	?	?	PUNCT
fsr-3615	569	1	did	do	AUX
fsr-3615	569	2	not	not	PART
fsr-3615	569	3	complete	complete	VERB
fsr-3615	569	4	high	high	ADJ
fsr-3615	569	5	school	school	NOUN
fsr-3615	569	6	......................................................................................	......................................................................................	PUNCT
fsr-3615	569	7	1	1	NUM
fsr-3615	569	8	high	high	ADJ
fsr-3615	569	9	school	school	NOUN
fsr-3615	569	10	graduate	graduate	NOUN
fsr-3615	569	11	–	–	PUNCT
fsr-3615	569	12	regular	regular	ADJ
fsr-3615	569	13	high	high	ADJ
fsr-3615	569	14	school	school	NOUN
fsr-3615	569	15	diploma	diploma	NOUN
fsr-3615	569	16	...................................................	...................................................	PUNCT
fsr-3615	569	17	2	2	NUM
fsr-3615	569	18	high	high	ADJ
fsr-3615	569	19	school	school	NOUN
fsr-3615	569	20	graduate	graduate	NOUN
fsr-3615	569	21	–	–	PUNCT
fsr-3615	569	22	ged	ge	VERB
fsr-3615	569	23	or	or	CCONJ
fsr-3615	569	24	alternative	alternative	ADJ
fsr-3615	569	25	credential	credential	NOUN
fsr-3615	569	26	.................................................	.................................................	PUNCT
fsr-3615	569	27	3	3	NUM
fsr-3615	569	28	some	some	DET
fsr-3615	569	29	college	college	NOUN
fsr-3615	569	30	,	,	PUNCT
fsr-3615	569	31	no	no	DET
fsr-3615	569	32	degree	degree	NOUN
fsr-3615	569	33	...............................................................................................	...............................................................................................	PUNCT
fsr-3615	569	34	4	4	NUM
fsr-3615	569	35	associate	associate	NOUN
fsr-3615	569	36	’s	’s	PART
fsr-3615	569	37	degree	degree	NOUN
fsr-3615	569	38	.........................................................................................................	.........................................................................................................	PROPN
fsr-3615	569	39	5	5	NUM
fsr-3615	569	40	bachelor	bachelor	NOUN
fsr-3615	569	41	’s	’s	NOUN
fsr-3615	569	42	degree	degree	NOUN
fsr-3615	569	43	..........................................................................................................	..........................................................................................................	PUNCT
fsr-3615	569	44	6	6	NUM
fsr-3615	569	45	post	post	NOUN
fsr-3615	569	46	graduate	graduate	NOUN
fsr-3615	569	47	degree	degree	NOUN
fsr-3615	569	48	.....................................................................................................	.....................................................................................................	PUNCT
fsr-3615	569	49	7	7	NUM
fsr-3615	569	50	prefer	prefer	VERB
fsr-3615	569	51	not	not	PART
fsr-3615	569	52	to	to	PART
fsr-3615	569	53	say	say	VERB
fsr-3615	569	54	..........................................................................................................	..........................................................................................................	PROPN
fsr-3615	570	1	99	99	NUM
fsr-3615	570	2	a.4	a.4	DET
fsr-3615	570	3	employment	employment	NOUN
fsr-3615	570	4	employment	employment	NOUN
fsr-3615	570	5	status	status	NOUN
fsr-3615	570	6	of	of	ADP
fsr-3615	570	7	respondents	respondent	NOUN
fsr-3615	570	8	were	be	AUX
fsr-3615	570	9	categorized	categorize	VERB
fsr-3615	570	10	based	base	VERB
fsr-3615	570	11	on	on	ADP
fsr-3615	570	12	the	the	DET
fsr-3615	570	13	following	follow	VERB
fsr-3615	570	14	question	question	NOUN
fsr-3615	570	15	:	:	PUNCT
fsr-3615	570	16	a9	a9	PROPN
fsr-3615	570	17	)	)	PUNCT
fsr-3615	571	1	which	which	PRON
fsr-3615	571	2	of	of	ADP
fsr-3615	571	3	the	the	DET
fsr-3615	571	4	following	following	NOUN
fsr-3615	571	5	best	good	ADJ
fsr-3615	571	6	describes	describe	VERB
fsr-3615	571	7	your	your	PRON
fsr-3615	571	8	current	current	ADJ
fsr-3615	571	9	employment	employment	NOUN
fsr-3615	571	10	or	or	CCONJ
fsr-3615	571	11	work	work	NOUN
fsr-3615	571	12	status	status	NOUN
fsr-3615	571	13	?	?	PUNCT
fsr-3615	572	1	self	self	NOUN
fsr-3615	572	2	-	-	PUNCT
fsr-3615	572	3	employed	employ	VERB
fsr-3615	572	4	...............................................................................................................	...............................................................................................................	X
fsr-3615	572	5	1	1	NUM
fsr-3615	572	6	work	work	NOUN
fsr-3615	572	7	full	full	ADJ
fsr-3615	572	8	-	-	PUNCT
fsr-3615	572	9	time	time	NOUN
fsr-3615	572	10	for	for	ADP
fsr-3615	572	11	an	an	DET
fsr-3615	572	12	employer	employer	NOUN
fsr-3615	573	1	[	[	X
fsr-3615	573	2	if	if	SCONJ
fsr-3615	573	3	q.am21	q.am21	PROPN
fsr-3615	573	4	=	=	SYM
fsr-3615	573	5	1	1	NUM
fsr-3615	573	6	insert	insert	NOUN
fsr-3615	573	7	:	:	PUNCT
fsr-3615	573	8	or	or	CCONJ
fsr-3615	573	9	the	the	DET
fsr-3615	573	10	military	military	NOUN
fsr-3615	573	11	]	]	PUNCT
fsr-3615	573	12	................	................	PUNCT
fsr-3615	573	13	2	2	NUM
fsr-3615	573	14	work	work	NOUN
fsr-3615	573	15	part	part	NOUN
fsr-3615	573	16	-	-	PUNCT
fsr-3615	573	17	time	time	NOUN
fsr-3615	573	18	for	for	ADP
fsr-3615	573	19	an	an	DET
fsr-3615	573	20	employer	employer	NOUN
fsr-3615	573	21	[	[	X
fsr-3615	573	22	if	if	SCONJ
fsr-3615	573	23	q.am21	q.am21	PROPN
fsr-3615	573	24	=	=	SYM
fsr-3615	573	25	1	1	NUM
fsr-3615	573	26	insert	insert	NOUN
fsr-3615	573	27	:	:	PUNCT
fsr-3615	573	28	or	or	CCONJ
fsr-3615	573	29	the	the	DET
fsr-3615	573	30	military	military	NOUN
fsr-3615	573	31	]	]	PUNCT
fsr-3615	573	32	...............	...............	PUNCT
fsr-3615	573	33	3	3	NUM
fsr-3615	573	34	homemaker	homemaker	NOUN
fsr-3615	573	35	...................................................................................................................	...................................................................................................................	NOUN
fsr-3615	573	36	4	4	NUM
fsr-3615	573	37	financial	financial	ADJ
fsr-3615	573	38	services	service	NOUN
fsr-3615	573	39	review	review	NOUN
fsr-3615	573	40	,	,	PUNCT
fsr-3615	573	41	33(1	33(1	NUM
fsr-3615	573	42	)	)	PUNCT
fsr-3615	573	43	24	24	NUM
fsr-3615	573	44	full	full	ADJ
fsr-3615	573	45	-	-	PUNCT
fsr-3615	573	46	time	time	NOUN
fsr-3615	573	47	student	student	NOUN
fsr-3615	573	48	...........................................................................................................	...........................................................................................................	PUNCT
fsr-3615	574	1	5	5	NUM
fsr-3615	574	2	permanently	permanently	ADV
fsr-3615	574	3	sick	sick	ADJ
fsr-3615	574	4	,	,	PUNCT
fsr-3615	574	5	disabled	disabled	ADJ
fsr-3615	574	6	,	,	PUNCT
fsr-3615	574	7	or	or	CCONJ
fsr-3615	574	8	unable	unable	ADJ
fsr-3615	574	9	to	to	PART
fsr-3615	574	10	work	work	VERB
fsr-3615	574	11	.............................................................	.............................................................	PUNCT
fsr-3615	575	1	6	6	NUM
fsr-3615	575	2	unemployed	unemployed	ADJ
fsr-3615	575	3	or	or	CCONJ
fsr-3615	575	4	temporarily	temporarily	ADV
fsr-3615	575	5	laid	lay	VERB
fsr-3615	575	6	off	off	ADP
fsr-3615	575	7	.............................................................................	.............................................................................	PUNCT
fsr-3615	575	8	7	7	NUM
fsr-3615	575	9	retired	retire	VERB
fsr-3615	575	10	...........................................................................................................................	...........................................................................................................................	ADP
fsr-3615	575	11	8	8	NUM
fsr-3615	575	12	a.5	a.5	NOUN
fsr-3615	575	13	income	income	NOUN
fsr-3615	575	14	levels	level	NOUN
fsr-3615	575	15	respondents	respondent	NOUN
fsr-3615	575	16	’	'	PUNCT
fsr-3615	575	17	income	income	NOUN
fsr-3615	575	18	was	be	AUX
fsr-3615	575	19	categorized	categorize	VERB
fsr-3615	575	20	based	base	VERB
fsr-3615	575	21	on	on	ADP
fsr-3615	575	22	the	the	DET
fsr-3615	575	23	following	follow	VERB
fsr-3615	575	24	question	question	NOUN
fsr-3615	575	25	:	:	PUNCT
fsr-3615	575	26	a8)15	a8)15	X
fsr-3615	575	27	what	what	PRON
fsr-3615	575	28	is	be	AUX
fsr-3615	575	29	[	[	X
fsr-3615	575	30	if	if	SCONJ
fsr-3615	575	31	q.a7a	q.a7a	ADJ
fsr-3615	575	32	=	=	SYM
fsr-3615	575	33	3	3	NUM
fsr-3615	575	34	insert	insert	NOUN
fsr-3615	575	35	:	:	PUNCT
fsr-3615	575	36	your	your	PRON
fsr-3615	575	37	approximate	approximate	ADJ
fsr-3615	575	38	annual	annual	ADJ
fsr-3615	575	39	income/	income/	ADV
fsr-3615	575	40	if	if	SCONJ
fsr-3615	575	41	q.a7a	q.a7a	ADV
fsr-3615	575	42	=	=	SYM
fsr-3615	575	43	1	1	NUM
fsr-3615	575	44	,	,	PUNCT
fsr-3615	575	45	2	2	NUM
fsr-3615	575	46	insert	insert	NOUN
fsr-3615	575	47	:	:	PUNCT
fsr-3615	575	48	your	your	PRON
fsr-3615	575	49	household	household	NOUN
fsr-3615	575	50	’s	’s	PART
fsr-3615	575	51	approximate	approximate	ADJ
fsr-3615	575	52	annual	annual	ADJ
fsr-3615	575	53	income	income	NOUN
fsr-3615	575	54	]	]	PUNCT
fsr-3615	575	55	,	,	PUNCT
fsr-3615	575	56	including	include	VERB
fsr-3615	575	57	wages	wage	NOUN
fsr-3615	575	58	,	,	PUNCT
fsr-3615	575	59	tips	tip	NOUN
fsr-3615	575	60	,	,	PUNCT
fsr-3615	575	61	investment	investment	NOUN
fsr-3615	575	62	income	income	NOUN
fsr-3615	575	63	,	,	PUNCT
fsr-3615	575	64	public	public	ADJ
fsr-3615	575	65	assistance	assistance	NOUN
fsr-3615	575	66	,	,	PUNCT
fsr-3615	575	67	income	income	NOUN
fsr-3615	575	68	from	from	ADP
fsr-3615	575	69	retirement	retirement	NOUN
fsr-3615	575	70	plans	plan	NOUN
fsr-3615	575	71	,	,	PUNCT
fsr-3615	575	72	etc	etc	X
fsr-3615	575	73	.	.	X
fsr-3615	575	74	?	?	PUNCT
fsr-3615	576	1	would	would	AUX
fsr-3615	576	2	you	you	PRON
fsr-3615	576	3	say	say	VERB
fsr-3615	576	4	it	it	PRON
fsr-3615	576	5	is	be	AUX
fsr-3615	576	6	…	…	PUNCT
fsr-3615	576	7	less	less	ADJ
fsr-3615	576	8	than	than	ADP
fsr-3615	576	9	$	$	SYM
fsr-3615	576	10	15,000	15,000	NUM
fsr-3615	576	11	.........................................................................................................	.........................................................................................................	NOUN
fsr-3615	576	12	1	1	NUM
fsr-3615	576	13	at	at	ADV
fsr-3615	576	14	least	least	ADV
fsr-3615	576	15	$	$	SYM
fsr-3615	576	16	15,000	15,000	NUM
fsr-3615	576	17	but	but	CCONJ
fsr-3615	576	18	less	less	ADJ
fsr-3615	576	19	than	than	ADP
fsr-3615	576	20	$	$	SYM
fsr-3615	576	21	25,000	25,000	NUM
fsr-3615	576	22	.........................................................................	.........................................................................	PUNCT
fsr-3615	576	23	2	2	NUM
fsr-3615	576	24	at	at	ADV
fsr-3615	576	25	least	least	ADJ
fsr-3615	576	26	$	$	SYM
fsr-3615	576	27	25,000	25,000	NUM
fsr-3615	576	28	but	but	CCONJ
fsr-3615	576	29	less	less	ADJ
fsr-3615	576	30	than	than	ADP
fsr-3615	576	31	$	$	SYM
fsr-3615	576	32	35,000	35,000	NUM
fsr-3615	576	33	.........................................................................	.........................................................................	PUNCT
fsr-3615	577	1	3	3	NUM
fsr-3615	577	2	at	at	ADV
fsr-3615	577	3	least	least	ADJ
fsr-3615	577	4	$	$	SYM
fsr-3615	577	5	35,000	35,000	NUM
fsr-3615	577	6	but	but	CCONJ
fsr-3615	577	7	less	less	ADJ
fsr-3615	577	8	than	than	ADP
fsr-3615	577	9	$	$	SYM
fsr-3615	577	10	50,000	50,000	NUM
fsr-3615	577	11	.........................................................................	.........................................................................	PUNCT
fsr-3615	577	12	4	4	NUM
fsr-3615	577	13	at	at	ADV
fsr-3615	577	14	least	least	ADV
fsr-3615	577	15	$	$	SYM
fsr-3615	577	16	50,000	50,000	NUM
fsr-3615	577	17	but	but	CCONJ
fsr-3615	577	18	less	less	ADJ
fsr-3615	577	19	than	than	ADP
fsr-3615	577	20	$	$	SYM
fsr-3615	577	21	75,000	75,000	NUM
fsr-3615	577	22	.........................................................................	.........................................................................	PUNCT
fsr-3615	578	1	5	5	NUM
fsr-3615	578	2	at	at	ADV
fsr-3615	578	3	least	least	ADV
fsr-3615	578	4	$	$	SYM
fsr-3615	578	5	75,000	75,000	NUM
fsr-3615	578	6	but	but	CCONJ
fsr-3615	578	7	less	less	ADJ
fsr-3615	578	8	than	than	ADP
fsr-3615	578	9	$	$	SYM
fsr-3615	578	10	100,000	100,000	NUM
fsr-3615	578	11	.......................................................................	.......................................................................	PUNCT
fsr-3615	579	1	6	6	NUM
fsr-3615	579	2	at	at	ADV
fsr-3615	579	3	least	least	ADV
fsr-3615	579	4	$	$	SYM
fsr-3615	579	5	100,000	100,000	NUM
fsr-3615	579	6	but	but	CCONJ
fsr-3615	579	7	less	less	ADJ
fsr-3615	579	8	than	than	ADP
fsr-3615	579	9	$	$	SYM
fsr-3615	579	10	150,000	150,000	NUM
fsr-3615	579	11	.....................................................................	.....................................................................	PUNCT
fsr-3615	579	12	7	7	NUM
fsr-3615	579	13	at	at	ADV
fsr-3615	579	14	least	least	ADJ
fsr-3615	579	15	$	$	SYM
fsr-3615	579	16	150,000	150,000	NUM
fsr-3615	579	17	but	but	CCONJ
fsr-3615	579	18	less	less	ADJ
fsr-3615	579	19	than	than	ADP
fsr-3615	579	20	$	$	SYM
fsr-3615	579	21	200,000	200,000	NUM
fsr-3615	579	22	.....................................................................	.....................................................................	PUNCT
fsr-3615	579	23	8	8	NUM
fsr-3615	579	24	at	at	ADV
fsr-3615	579	25	least	least	ADV
fsr-3615	579	26	$	$	SYM
fsr-3615	579	27	200,000	200,000	NUM
fsr-3615	579	28	but	but	CCONJ
fsr-3615	579	29	less	less	ADJ
fsr-3615	579	30	than	than	ADP
fsr-3615	579	31	$	$	SYM
fsr-3615	579	32	300,000	300,000	NUM
fsr-3615	579	33	.....................................................................	.....................................................................	SYM
fsr-3615	579	34	9	9	NUM
fsr-3615	579	35	$	$	SYM
fsr-3615	579	36	300,000	300,000	NUM
fsr-3615	579	37	or	or	CCONJ
fsr-3615	579	38	more	more	ADJ
fsr-3615	579	39	........................................................................................................	........................................................................................................	PUNCT
fsr-3615	579	40	10	10	NUM
fsr-3615	579	41	a.6	a.6	ADJ
fsr-3615	579	42	emergency	emergency	NOUN
fsr-3615	579	43	funds	fund	NOUN
fsr-3615	579	44	whether	whether	SCONJ
fsr-3615	579	45	respondents	respondent	NOUN
fsr-3615	579	46	have	have	VERB
fsr-3615	579	47	emergency	emergency	NOUN
fsr-3615	579	48	fund	fund	NOUN
fsr-3615	579	49	or	or	CCONJ
fsr-3615	579	50	not	not	PART
fsr-3615	579	51	was	be	AUX
fsr-3615	579	52	based	base	VERB
fsr-3615	579	53	on	on	ADP
fsr-3615	579	54	the	the	DET
fsr-3615	579	55	following	follow	VERB
fsr-3615	579	56	question	question	NOUN
fsr-3615	579	57	:	:	PUNCT
fsr-3615	579	58	j5	j5	PROPN
fsr-3615	579	59	)	)	PUNCT
fsr-3615	579	60	have	have	AUX
fsr-3615	579	61	you	you	PRON
fsr-3615	579	62	set	set	VERB
fsr-3615	579	63	aside	aside	ADV
fsr-3615	579	64	emergency	emergency	NOUN
fsr-3615	579	65	or	or	CCONJ
fsr-3615	579	66	rainy	rainy	ADJ
fsr-3615	579	67	day	day	NOUN
fsr-3615	579	68	funds	fund	NOUN
fsr-3615	579	69	that	that	PRON
fsr-3615	579	70	would	would	AUX
fsr-3615	579	71	cover	cover	VERB
fsr-3615	579	72	your	your	PRON
fsr-3615	579	73	expenses	expense	NOUN
fsr-3615	579	74	for	for	ADP
fsr-3615	579	75	3	3	NUM
fsr-3615	579	76	months	month	NOUN
fsr-3615	579	77	,	,	PUNCT
fsr-3615	579	78	in	in	ADP
fsr-3615	579	79	case	case	NOUN
fsr-3615	579	80	of	of	ADP
fsr-3615	579	81	sickness	sickness	NOUN
fsr-3615	579	82	,	,	PUNCT
fsr-3615	579	83	job	job	NOUN
fsr-3615	579	84	loss	loss	NOUN
fsr-3615	579	85	,	,	PUNCT
fsr-3615	579	86	economic	economic	ADJ
fsr-3615	579	87	downturn	downturn	NOUN
fsr-3615	579	88	,	,	PUNCT
fsr-3615	579	89	or	or	CCONJ
fsr-3615	579	90	other	other	ADJ
fsr-3615	579	91	emergencies	emergency	NOUN
fsr-3615	579	92	?	?	PUNCT
fsr-3615	580	1	yes	yes	INTJ
fsr-3615	580	2	.................................................................................................................................	.................................................................................................................................	NUM
fsr-3615	581	1	1	1	NUM
fsr-3615	582	1	no	no	INTJ
fsr-3615	582	2	.................................................................................................................................	.................................................................................................................................	NOUN
fsr-3615	582	3	2	2	NUM
fsr-3615	582	4	a.7	a.7	NOUN
fsr-3615	582	5	laid	lay	VERB
fsr-3615	582	6	off	off	ADP
fsr-3615	582	7	during	during	ADP
fsr-3615	582	8	pandemic	pandemic	ADJ
fsr-3615	582	9	whether	whether	SCONJ
fsr-3615	582	10	respondents	respondent	NOUN
fsr-3615	582	11	got	get	AUX
fsr-3615	582	12	laid	lay	VERB
fsr-3615	582	13	off	off	ADP
fsr-3615	582	14	during	during	ADP
fsr-3615	582	15	pandemic	pandemic	ADJ
fsr-3615	582	16	was	be	AUX
fsr-3615	582	17	based	base	VERB
fsr-3615	582	18	on	on	ADP
fsr-3615	582	19	the	the	DET
fsr-3615	582	20	following	follow	VERB
fsr-3615	582	21	question	question	NOUN
fsr-3615	582	22	:	:	PUNCT
fsr-3615	582	23	j52)27	j52)27	X
fsr-3615	582	24	as	as	ADP
fsr-3615	582	25	a	a	DET
fsr-3615	582	26	result	result	NOUN
fsr-3615	582	27	of	of	ADP
fsr-3615	582	28	the	the	DET
fsr-3615	582	29	pandemic	pandemic	NOUN
fsr-3615	582	30	,	,	PUNCT
fsr-3615	582	31	were	be	AUX
fsr-3615	582	32	you	you	PRON
fsr-3615	582	33	laid	lay	VERB
fsr-3615	582	34	off	off	ADP
fsr-3615	582	35	or	or	CCONJ
fsr-3615	582	36	furloughed	furlough	VERB
fsr-3615	582	37	at	at	ADP
fsr-3615	582	38	any	any	DET
fsr-3615	582	39	time	time	NOUN
fsr-3615	582	40	in	in	ADP
fsr-3615	582	41	2020	2020	NUM
fsr-3615	582	42	or	or	CCONJ
fsr-3615	582	43	2021	2021	NUM
fsr-3615	582	44	?	?	PUNCT
fsr-3615	583	1	yes	yes	INTJ
fsr-3615	583	2	.................................................................................................................................	.................................................................................................................................	NUM
fsr-3615	584	1	1	1	NUM
fsr-3615	584	2	no	no	NOUN
fsr-3615	584	3	/	/	SYM
fsr-3615	584	4	not	not	PART
fsr-3615	584	5	applicable	applicable	ADJ
fsr-3615	584	6	.........................................................................................................	.........................................................................................................	PUNCT
fsr-3615	584	7	2	2	NUM
fsr-3615	584	8	a.8	a.8	NOUN
fsr-3615	584	9	subjective	subjective	ADJ
fsr-3615	584	10	financial	financial	ADJ
fsr-3615	584	11	knowledge	knowledge	NOUN
fsr-3615	584	12	score	score	VERB
fsr-3615	584	13	the	the	DET
fsr-3615	584	14	subjective	subjective	ADJ
fsr-3615	584	15	financial	financial	ADJ
fsr-3615	584	16	literacy	literacy	NOUN
fsr-3615	584	17	score	score	NOUN
fsr-3615	584	18	is	be	AUX
fsr-3615	584	19	based	base	VERB
fsr-3615	584	20	on	on	ADP
fsr-3615	584	21	the	the	DET
fsr-3615	584	22	following	follow	VERB
fsr-3615	584	23	survey	survey	NOUN
fsr-3615	584	24	questions	question	NOUN
fsr-3615	584	25	:	:	PUNCT
fsr-3615	584	26	m4	m4	NUM
fsr-3615	584	27	)	)	PUNCT
fsr-3615	584	28	on	on	ADP
fsr-3615	584	29	a	a	DET
fsr-3615	584	30	scale	scale	NOUN
fsr-3615	584	31	from	from	ADP
fsr-3615	584	32	1	1	NUM
fsr-3615	584	33	to	to	ADP
fsr-3615	584	34	7	7	NUM
fsr-3615	584	35	,	,	PUNCT
fsr-3615	584	36	where	where	SCONJ
fsr-3615	584	37	1	1	NUM
fsr-3615	584	38	means	mean	VERB
fsr-3615	584	39	very	very	ADV
fsr-3615	584	40	low	low	ADJ
fsr-3615	584	41	and	and	CCONJ
fsr-3615	584	42	7	7	NUM
fsr-3615	584	43	means	mean	VERB
fsr-3615	584	44	very	very	ADV
fsr-3615	584	45	high	high	ADJ
fsr-3615	584	46	,	,	PUNCT
fsr-3615	584	47	how	how	SCONJ
fsr-3615	584	48	would	would	AUX
fsr-3615	584	49	you	you	PRON
fsr-3615	584	50	assess	assess	VERB
fsr-3615	584	51	your	your	PRON
fsr-3615	584	52	overall	overall	ADJ
fsr-3615	584	53	financial	financial	ADJ
fsr-3615	584	54	knowledge	knowledge	NOUN
fsr-3615	584	55	?	?	PUNCT
fsr-3615	585	1	a.9	a.9	PRON
fsr-3615	585	2	objective	objective	ADJ
fsr-3615	585	3	financial	financial	ADJ
fsr-3615	585	4	knowledge	knowledge	NOUN
fsr-3615	585	5	score	score	VERB
fsr-3615	585	6	the	the	DET
fsr-3615	585	7	objective	objective	ADJ
fsr-3615	585	8	financial	financial	ADJ
fsr-3615	585	9	literacy	literacy	NOUN
fsr-3615	585	10	score	score	NOUN
fsr-3615	585	11	is	be	AUX
fsr-3615	585	12	based	base	VERB
fsr-3615	585	13	on	on	ADP
fsr-3615	585	14	the	the	DET
fsr-3615	585	15	number	number	NOUN
fsr-3615	585	16	of	of	ADP
fsr-3615	585	17	correct	correct	ADJ
fsr-3615	585	18	answers	answer	NOUN
fsr-3615	585	19	based	base	VERB
fsr-3615	585	20	on	on	ADP
fsr-3615	585	21	a	a	DET
fsr-3615	585	22	series	series	NOUN
fsr-3615	585	23	of	of	ADP
fsr-3615	585	24	financial	financial	ADJ
fsr-3615	585	25	knowledge	knowledge	NOUN
fsr-3615	585	26	questions	question	NOUN
fsr-3615	585	27	in	in	ADP
fsr-3615	585	28	the	the	DET
fsr-3615	585	29	2021	2021	NUM
fsr-3615	585	30	nfcs	nfc	NOUN
fsr-3615	585	31	.	.	PUNCT
fsr-3615	586	1	the	the	DET
fsr-3615	586	2	survey	survey	NOUN
fsr-3615	586	3	questions	question	NOUN
fsr-3615	586	4	are	be	AUX
fsr-3615	586	5	as	as	SCONJ
fsr-3615	586	6	follows	follow	VERB
fsr-3615	586	7	:	:	PUNCT
fsr-3615	586	8	m6	m6	ADJ
fsr-3615	586	9	)	)	PUNCT
fsr-3615	586	10	suppose	suppose	VERB
fsr-3615	586	11	you	you	PRON
fsr-3615	586	12	had	have	VERB
fsr-3615	586	13	$	$	SYM
fsr-3615	586	14	100	100	NUM
fsr-3615	586	15	in	in	ADP
fsr-3615	586	16	a	a	DET
fsr-3615	586	17	savings	saving	NOUN
fsr-3615	586	18	account	account	NOUN
fsr-3615	586	19	and	and	CCONJ
fsr-3615	586	20	the	the	DET
fsr-3615	586	21	interest	interest	NOUN
fsr-3615	586	22	rate	rate	NOUN
fsr-3615	586	23	was	be	AUX
fsr-3615	586	24	2	2	NUM
fsr-3615	586	25	%	%	NOUN
fsr-3615	586	26	per	per	ADP
fsr-3615	586	27	year	year	NOUN
fsr-3615	586	28	.	.	PUNCT
fsr-3615	587	1	after	after	ADP
fsr-3615	587	2	5	5	NUM
fsr-3615	587	3	years	year	NOUN
fsr-3615	587	4	,	,	PUNCT
fsr-3615	587	5	how	how	SCONJ
fsr-3615	587	6	much	much	ADJ
fsr-3615	587	7	do	do	AUX
fsr-3615	587	8	you	you	PRON
fsr-3615	587	9	think	think	VERB
fsr-3615	587	10	you	you	PRON
fsr-3615	587	11	would	would	AUX
fsr-3615	587	12	have	have	VERB
fsr-3615	587	13	in	in	ADP
fsr-3615	587	14	the	the	DET
fsr-3615	587	15	account	account	NOUN
fsr-3615	587	16	if	if	SCONJ
fsr-3615	587	17	you	you	PRON
fsr-3615	587	18	left	leave	VERB
fsr-3615	587	19	the	the	DET
fsr-3615	587	20	money	money	NOUN
fsr-3615	587	21	to	to	PART
fsr-3615	587	22	grow	grow	VERB
fsr-3615	587	23	?	?	PUNCT
fsr-3615	588	1	more	more	ADJ
fsr-3615	588	2	than	than	ADP
fsr-3615	588	3	$	$	SYM
fsr-3615	588	4	102	102	NUM
fsr-3615	588	5	.............................................................................................................	.............................................................................................................	SYM
fsr-3615	588	6	1	1	NUM
fsr-3615	588	7	exactly	exactly	ADV
fsr-3615	588	8	$	$	SYM
fsr-3615	588	9	102	102	NUM
fsr-3615	588	10	.................................................................................................................	.................................................................................................................	SYM
fsr-3615	588	11	2	2	NUM
fsr-3615	588	12	less	less	ADJ
fsr-3615	588	13	than	than	ADP
fsr-3615	588	14	$	$	SYM
fsr-3615	588	15	102	102	NUM
fsr-3615	588	16	..............................................................................................................	..............................................................................................................	SYM
fsr-3615	588	17	3	3	NUM
fsr-3615	588	18	#	#	NOUN
fsr-3615	588	19	m7	m7	PROPN
fsr-3615	588	20	)	)	PUNCT
fsr-3615	588	21	imagine	imagine	VERB
fsr-3615	588	22	that	that	SCONJ
fsr-3615	588	23	the	the	DET
fsr-3615	588	24	interest	interest	NOUN
fsr-3615	588	25	rate	rate	NOUN
fsr-3615	588	26	on	on	ADP
fsr-3615	588	27	your	your	PRON
fsr-3615	588	28	savings	saving	NOUN
fsr-3615	588	29	account	account	NOUN
fsr-3615	588	30	was	be	AUX
fsr-3615	588	31	1	1	NUM
fsr-3615	588	32	%	%	NOUN
fsr-3615	588	33	per	per	ADP
fsr-3615	588	34	year	year	NOUN
fsr-3615	588	35	and	and	CCONJ
fsr-3615	588	36	inflation	inflation	NOUN
fsr-3615	588	37	was	be	AUX
fsr-3615	588	38	2	2	NUM
fsr-3615	588	39	%	%	NOUN
fsr-3615	588	40	per	per	ADP
fsr-3615	588	41	year	year	NOUN
fsr-3615	588	42	.	.	PUNCT
fsr-3615	589	1	ouyang	ouyang	PROPN
fsr-3615	589	2	et	et	PROPN
fsr-3615	589	3	al	al	PROPN
fsr-3615	589	4	.	.	PROPN
fsr-3615	589	5	25	25	NUM
fsr-3615	589	6	after	after	ADP
fsr-3615	589	7	1	1	NUM
fsr-3615	589	8	year	year	NOUN
fsr-3615	589	9	,	,	PUNCT
fsr-3615	589	10	how	how	SCONJ
fsr-3615	589	11	much	much	ADJ
fsr-3615	589	12	would	would	AUX
fsr-3615	589	13	you	you	PRON
fsr-3615	589	14	be	be	AUX
fsr-3615	589	15	able	able	ADJ
fsr-3615	589	16	to	to	PART
fsr-3615	589	17	buy	buy	VERB
fsr-3615	589	18	with	with	ADP
fsr-3615	589	19	the	the	DET
fsr-3615	589	20	money	money	NOUN
fsr-3615	589	21	in	in	ADP
fsr-3615	589	22	this	this	DET
fsr-3615	589	23	account	account	NOUN
fsr-3615	589	24	?	?	PUNCT
fsr-3615	590	1	more	more	ADJ
fsr-3615	590	2	than	than	ADP
fsr-3615	590	3	today	today	NOUN
fsr-3615	590	4	............................................................................................................	............................................................................................................	PROPN
fsr-3615	590	5	1	1	NUM
fsr-3615	590	6	exactly	exactly	ADV
fsr-3615	590	7	the	the	DET
fsr-3615	590	8	same	same	ADJ
fsr-3615	590	9	...........................................................................................................	...........................................................................................................	NOUN
fsr-3615	590	10	2	2	NUM
fsr-3615	590	11	less	less	ADJ
fsr-3615	590	12	than	than	ADP
fsr-3615	590	13	today	today	NOUN
fsr-3615	590	14	.............................................................................................................	.............................................................................................................	PROPN
fsr-3615	590	15	3	3	NUM
fsr-3615	590	16	#	#	NOUN
fsr-3615	590	17	m8	m8	NOUN
fsr-3615	590	18	)	)	PUNCT
fsr-3615	590	19	if	if	SCONJ
fsr-3615	590	20	interest	interest	NOUN
fsr-3615	590	21	rates	rate	NOUN
fsr-3615	590	22	rise	rise	VERB
fsr-3615	590	23	,	,	PUNCT
fsr-3615	590	24	what	what	PRON
fsr-3615	590	25	will	will	AUX
fsr-3615	590	26	typically	typically	ADV
fsr-3615	590	27	happen	happen	VERB
fsr-3615	590	28	to	to	PART
fsr-3615	590	29	bond	bond	NOUN
fsr-3615	590	30	prices	price	NOUN
fsr-3615	590	31	?	?	PUNCT
fsr-3615	591	1	they	they	PRON
fsr-3615	591	2	will	will	AUX
fsr-3615	591	3	rise	rise	VERB
fsr-3615	591	4	................................................................................................................	................................................................................................................	PUNCT
fsr-3615	592	1	1	1	NUM
fsr-3615	592	2	they	they	PRON
fsr-3615	592	3	will	will	AUX
fsr-3615	592	4	fall	fall	VERB
fsr-3615	592	5	.................................................................................................................	.................................................................................................................	PUNCT
fsr-3615	593	1	2	2	NUM
fsr-3615	593	2	they	they	PRON
fsr-3615	593	3	will	will	AUX
fsr-3615	593	4	stay	stay	VERB
fsr-3615	593	5	the	the	DET
fsr-3615	593	6	same	same	ADJ
fsr-3615	593	7	................................................................................................	................................................................................................	PUNCT
fsr-3615	594	1	3	3	X
fsr-3615	594	2	there	there	PRON
fsr-3615	594	3	is	be	VERB
fsr-3615	594	4	no	no	DET
fsr-3615	594	5	relationship	relationship	NOUN
fsr-3615	594	6	between	between	ADP
fsr-3615	594	7	bond	bond	NOUN
fsr-3615	594	8	prices	price	NOUN
fsr-3615	594	9	and	and	CCONJ
fsr-3615	594	10	the	the	DET
fsr-3615	594	11	interest	interest	NOUN
fsr-3615	594	12	rate	rate	NOUN
fsr-3615	594	13	...............................	...............................	PUNCT
fsr-3615	594	14	4	4	NUM
fsr-3615	594	15	m9	m9	PROPN
fsr-3615	594	16	)	)	PUNCT
fsr-3615	594	17	a	a	DET
fsr-3615	594	18	15	15	NUM
fsr-3615	594	19	-	-	PUNCT
fsr-3615	594	20	year	year	NOUN
fsr-3615	594	21	mortgage	mortgage	NOUN
fsr-3615	594	22	typically	typically	ADV
fsr-3615	594	23	requires	require	VERB
fsr-3615	594	24	higher	high	ADJ
fsr-3615	594	25	monthly	monthly	ADJ
fsr-3615	594	26	payments	payment	NOUN
fsr-3615	594	27	than	than	ADP
fsr-3615	594	28	a	a	DET
fsr-3615	594	29	30	30	NUM
fsr-3615	594	30	-	-	PUNCT
fsr-3615	594	31	year	year	NOUN
fsr-3615	594	32	mortgage	mortgage	NOUN
fsr-3615	594	33	,	,	PUNCT
fsr-3615	594	34	but	but	CCONJ
fsr-3615	594	35	the	the	DET
fsr-3615	594	36	total	total	ADJ
fsr-3615	594	37	interest	interest	NOUN
fsr-3615	594	38	paid	pay	VERB
fsr-3615	594	39	over	over	ADP
fsr-3615	594	40	the	the	DET
fsr-3615	594	41	life	life	NOUN
fsr-3615	594	42	of	of	ADP
fsr-3615	594	43	the	the	DET
fsr-3615	594	44	loan	loan	NOUN
fsr-3615	594	45	will	will	AUX
fsr-3615	594	46	be	be	AUX
fsr-3615	594	47	less	less	ADJ
fsr-3615	594	48	.	.	PUNCT
fsr-3615	595	1	true	true	ADJ
fsr-3615	595	2	...............................................................................................................................	...............................................................................................................................	ADP
fsr-3615	595	3	1	1	NUM
fsr-3615	595	4	false	false	ADJ
fsr-3615	595	5	..............................................................................................................................	..............................................................................................................................	NOUN
fsr-3615	595	6	2	2	NUM
fsr-3615	595	7	#	#	NOUN
fsr-3615	595	8	m10	m10	NOUN
fsr-3615	595	9	)	)	PUNCT
fsr-3615	595	10	buying	buy	VERB
fsr-3615	595	11	a	a	DET
fsr-3615	595	12	single	single	ADJ
fsr-3615	595	13	company	company	NOUN
fsr-3615	595	14	’s	’s	PART
fsr-3615	595	15	stock	stock	NOUN
fsr-3615	595	16	usually	usually	ADV
fsr-3615	595	17	provides	provide	VERB
fsr-3615	595	18	a	a	DET
fsr-3615	595	19	safer	safe	ADJ
fsr-3615	595	20	return	return	NOUN
fsr-3615	595	21	than	than	ADP
fsr-3615	595	22	a	a	DET
fsr-3615	595	23	stock	stock	NOUN
fsr-3615	595	24	mutual	mutual	ADJ
fsr-3615	595	25	fund	fund	NOUN
fsr-3615	595	26	.	.	PUNCT
fsr-3615	596	1	true	true	ADJ
fsr-3615	596	2	...............................................................................................................................	...............................................................................................................................	PROPN
fsr-3615	596	3	1	1	NUM
fsr-3615	596	4	false	false	ADJ
fsr-3615	596	5	..............................................................................................................................	..............................................................................................................................	NOUN
fsr-3615	596	6	2	2	NUM
fsr-3615	596	7	m31)65	m31)65	NOUN
fsr-3615	596	8	suppose	suppose	VERB
fsr-3615	596	9	you	you	PRON
fsr-3615	596	10	owe	owe	VERB
fsr-3615	596	11	$	$	SYM
fsr-3615	596	12	1,000	1,000	NUM
fsr-3615	596	13	on	on	ADP
fsr-3615	596	14	a	a	DET
fsr-3615	596	15	loan	loan	NOUN
fsr-3615	596	16	and	and	CCONJ
fsr-3615	596	17	the	the	DET
fsr-3615	596	18	interest	interest	NOUN
fsr-3615	596	19	rate	rate	NOUN
fsr-3615	596	20	you	you	PRON
fsr-3615	596	21	are	be	AUX
fsr-3615	596	22	charged	charge	VERB
fsr-3615	596	23	is	be	AUX
fsr-3615	596	24	20	20	NUM
fsr-3615	596	25	%	%	NOUN
fsr-3615	596	26	per	per	ADP
fsr-3615	596	27	year	year	NOUN
fsr-3615	596	28	compounded	compound	VERB
fsr-3615	596	29	annually	annually	ADV
fsr-3615	596	30	.	.	PUNCT
fsr-3615	597	1	if	if	SCONJ
fsr-3615	597	2	you	you	PRON
fsr-3615	597	3	did	do	AUX
fsr-3615	597	4	n’t	not	PART
fsr-3615	597	5	pay	pay	VERB
fsr-3615	597	6	anything	anything	PRON
fsr-3615	597	7	off	off	ADP
fsr-3615	597	8	,	,	PUNCT
fsr-3615	597	9	at	at	ADP
fsr-3615	597	10	this	this	DET
fsr-3615	597	11	interest	interest	NOUN
fsr-3615	597	12	rate	rate	NOUN
fsr-3615	597	13	,	,	PUNCT
fsr-3615	597	14	how	how	SCONJ
fsr-3615	597	15	many	many	ADJ
fsr-3615	597	16	years	year	NOUN
fsr-3615	597	17	would	would	AUX
fsr-3615	597	18	it	it	PRON
fsr-3615	597	19	take	take	VERB
fsr-3615	597	20	for	for	ADP
fsr-3615	597	21	the	the	DET
fsr-3615	597	22	amount	amount	NOUN
fsr-3615	597	23	you	you	PRON
fsr-3615	597	24	owe	owe	VERB
fsr-3615	597	25	to	to	PART
fsr-3615	597	26	double	double	VERB
fsr-3615	597	27	?	?	PUNCT
fsr-3615	598	1	less	less	ADJ
fsr-3615	598	2	than	than	ADP
fsr-3615	598	3	2	2	NUM
fsr-3615	598	4	years	year	NOUN
fsr-3615	598	5	...........................................................................................................	...........................................................................................................	NOUN
fsr-3615	599	1	1	1	NUM
fsr-3615	599	2	at	at	ADV
fsr-3615	599	3	least	least	ADJ
fsr-3615	599	4	2	2	NUM
fsr-3615	599	5	years	year	NOUN
fsr-3615	599	6	but	but	CCONJ
fsr-3615	599	7	less	less	ADJ
fsr-3615	599	8	than	than	ADP
fsr-3615	599	9	5	5	NUM
fsr-3615	599	10	years	year	NOUN
fsr-3615	599	11	............................................................................	............................................................................	PUNCT
fsr-3615	600	1	2	2	NUM
fsr-3615	600	2	at	at	ADV
fsr-3615	600	3	least	least	ADV
fsr-3615	600	4	5	5	NUM
fsr-3615	600	5	years	year	NOUN
fsr-3615	600	6	but	but	CCONJ
fsr-3615	600	7	less	less	ADJ
fsr-3615	600	8	than	than	ADP
fsr-3615	600	9	10	10	NUM
fsr-3615	600	10	years	year	NOUN
fsr-3615	600	11	..........................................................................	..........................................................................	PUNCT
fsr-3615	600	12	3	3	NUM
fsr-3615	600	13	at	at	ADV
fsr-3615	600	14	least	least	ADV
fsr-3615	600	15	10	10	NUM
fsr-3615	600	16	years	year	NOUN
fsr-3615	600	17	............................................................................................................	............................................................................................................	NOUN
fsr-3615	600	18	4	4	NUM
fsr-3615	600	19	#	#	NOUN
fsr-3615	600	20	m50)66	m50)66	NOUN
fsr-3615	600	21	which	which	PRON
fsr-3615	600	22	of	of	ADP
fsr-3615	600	23	the	the	DET
fsr-3615	600	24	following	following	NOUN
fsr-3615	600	25	indicates	indicate	VERB
fsr-3615	600	26	the	the	DET
fsr-3615	600	27	highest	high	ADJ
fsr-3615	600	28	probability	probability	NOUN
fsr-3615	600	29	of	of	ADP
fsr-3615	600	30	getting	get	VERB
fsr-3615	600	31	a	a	DET
fsr-3615	600	32	particular	particular	ADJ
fsr-3615	600	33	disease	disease	NOUN
fsr-3615	600	34	?	?	PUNCT
fsr-3615	601	1	[	[	X
fsr-3615	601	2	randomize	randomize	NOUN
fsr-3615	601	3	punches	punch	VERB
fsr-3615	601	4	1	1	NUM
fsr-3615	601	5	-	-	SYM
fsr-3615	601	6	3	3	NUM
fsr-3615	601	7	]	]	PUNCT
fsr-3615	601	8	there	there	PRON
fsr-3615	601	9	is	be	VERB
fsr-3615	601	10	a	a	DET
fsr-3615	601	11	one	one	NUM
fsr-3615	601	12	-	-	PUNCT
fsr-3615	601	13	in	in	ADP
fsr-3615	601	14	-	-	PUNCT
fsr-3615	601	15	twenty	twenty	NUM
fsr-3615	601	16	chance	chance	NOUN
fsr-3615	601	17	of	of	ADP
fsr-3615	601	18	getting	get	VERB
fsr-3615	601	19	the	the	DET
fsr-3615	601	20	disease	disease	NOUN
fsr-3615	601	21	................................................	................................................	PUNCT
fsr-3615	602	1	1	1	NUM
fsr-3615	602	2	2	2	NUM
fsr-3615	602	3	%	%	NOUN
fsr-3615	602	4	of	of	ADP
fsr-3615	602	5	the	the	DET
fsr-3615	602	6	population	population	NOUN
fsr-3615	602	7	will	will	AUX
fsr-3615	602	8	get	get	VERB
fsr-3615	602	9	the	the	DET
fsr-3615	602	10	disease	disease	NOUN
fsr-3615	602	11	.....................................................................	.....................................................................	PUNCT
fsr-3615	603	1	2	2	NUM
fsr-3615	603	2	25	25	NUM
fsr-3615	603	3	out	out	ADP
fsr-3615	603	4	of	of	ADP
fsr-3615	603	5	every	every	DET
fsr-3615	603	6	1,000	1,000	NUM
fsr-3615	603	7	people	people	NOUN
fsr-3615	603	8	will	will	AUX
fsr-3615	603	9	get	get	VERB
fsr-3615	603	10	the	the	DET
fsr-3615	603	11	disease	disease	NOUN
fsr-3615	603	12	.........................................................	.........................................................	PUNCT
fsr-3615	604	1	3	3	NUM
fsr-3615	604	2	a.10	a.10	ADP
fsr-3615	604	3	money	money	NOUN
fsr-3615	604	4	left	leave	VERB
fsr-3615	604	5	whether	whether	SCONJ
fsr-3615	604	6	respondents	respondent	NOUN
fsr-3615	604	7	have	have	VERB
fsr-3615	604	8	money	money	NOUN
fsr-3615	604	9	left	leave	VERB
fsr-3615	604	10	was	be	AUX
fsr-3615	604	11	reported	report	VERB
fsr-3615	604	12	based	base	VERB
fsr-3615	604	13	on	on	ADP
fsr-3615	604	14	the	the	DET
fsr-3615	604	15	following	follow	VERB
fsr-3615	604	16	question	question	NOUN
fsr-3615	604	17	:	:	PUNCT
fsr-3615	604	18	j42_1	j42_1	NUM
fsr-3615	604	19	)	)	PUNCT
fsr-3615	605	1	i	i	PRON
fsr-3615	605	2	have	have	VERB
fsr-3615	605	3	money	money	NOUN
fsr-3615	605	4	left	leave	VERB
fsr-3615	605	5	over	over	ADP
fsr-3615	605	6	at	at	ADP
fsr-3615	605	7	the	the	DET
fsr-3615	605	8	end	end	NOUN
fsr-3615	605	9	of	of	ADP
fsr-3615	605	10	the	the	DET
fsr-3615	605	11	month	month	NOUN
fsr-3615	605	12	(	(	PUNCT
fsr-3615	605	13	1	1	NUM
fsr-3615	605	14	-	-	SYM
fsr-3615	605	15	5	5	NUM
fsr-3615	605	16	)	)	PUNCT
fsr-3615	605	17	.	.	PUNCT
fsr-3615	606	1	a.11	a.11	NOUN
fsr-3615	606	2	homeownership	homeownership	NOUN
fsr-3615	606	3	homeownership	homeownership	NOUN
fsr-3615	606	4	was	be	AUX
fsr-3615	606	5	recorded	record	VERB
fsr-3615	606	6	based	base	VERB
fsr-3615	606	7	on	on	ADP
fsr-3615	606	8	the	the	DET
fsr-3615	606	9	following	follow	VERB
fsr-3615	606	10	question	question	NOUN
fsr-3615	606	11	:	:	PUNCT
fsr-3615	606	12	ea_1)43	ea_1)43	PRON
fsr-3615	606	13	do	do	VERB
fsr-3615	606	14	you	you	PRON
fsr-3615	607	1	[	[	X
fsr-3615	607	2	if	if	SCONJ
fsr-3615	607	3	q.a7a	q.a7a	ADJ
fsr-3615	607	4	=	=	SYM
fsr-3615	607	5	1	1	NUM
fsr-3615	607	6	insert	insert	NOUN
fsr-3615	607	7	:	:	PUNCT
fsr-3615	607	8	or	or	CCONJ
fsr-3615	607	9	your	your	PRON
fsr-3615	607	10	spouse/	spouse/	NOUN
fsr-3615	607	11	if	if	SCONJ
fsr-3615	607	12	q.a7a	q.a7a	ADV
fsr-3615	607	13	=	=	SYM
fsr-3615	607	14	2	2	NUM
fsr-3615	607	15	insert	insert	NOUN
fsr-3615	607	16	:	:	PUNCT
fsr-3615	607	17	or	or	CCONJ
fsr-3615	607	18	your	your	PRON
fsr-3615	607	19	partner	partner	NOUN
fsr-3615	607	20	]	]	PUNCT
fsr-3615	607	21	currently	currently	ADV
fsr-3615	607	22	own	own	VERB
fsr-3615	607	23	your	your	PRON
fsr-3615	607	24	home	home	NOUN
fsr-3615	607	25	?	?	PUNCT
fsr-3615	608	1	yes	yes	INTJ
fsr-3615	608	2	.................................................................................................................................	.................................................................................................................................	NUM
fsr-3615	609	1	1	1	NUM
fsr-3615	609	2	no	no	NOUN
fsr-3615	609	3	.................................................................................................................................	.................................................................................................................................	SYM
fsr-3615	609	4	2	2	NUM
fsr-3615	609	5	a.12	a.12	NOUN
fsr-3615	609	6	financial	financial	ADJ
fsr-3615	609	7	strain	strain	NOUN
fsr-3615	609	8	respondents	respondent	NOUN
fsr-3615	609	9	’	'	PUNCT
fsr-3615	609	10	financial	financial	ADJ
fsr-3615	609	11	strain	strain	NOUN
fsr-3615	609	12	was	be	AUX
fsr-3615	609	13	based	base	VERB
fsr-3615	609	14	on	on	ADP
fsr-3615	609	15	all	all	PRON
fsr-3615	609	16	of	of	ADP
fsr-3615	609	17	their	their	PRON
fsr-3615	609	18	unpaid	unpaid	ADJ
fsr-3615	609	19	medical	medical	ADJ
fsr-3615	609	20	bills	bill	NOUN
fsr-3615	609	21	,	,	PUNCT
fsr-3615	609	22	being	be	AUX
fsr-3615	609	23	late	late	ADV
fsr-3615	609	24	on	on	ADP
fsr-3615	609	25	student	student	NOUN
fsr-3615	609	26	loan	loan	NOUN
fsr-3615	609	27	payments	payment	NOUN
fsr-3615	609	28	(	(	PUNCT
fsr-3615	609	29	g35	g35	PROPN
fsr-3615	609	30	)	)	PUNCT
fsr-3615	609	31	,	,	PUNCT
fsr-3615	609	32	late	late	ADV
fsr-3615	609	33	on	on	ADP
fsr-3615	609	34	mortgage	mortgage	NOUN
fsr-3615	609	35	payments	payment	NOUN
fsr-3615	609	36	(	(	PUNCT
fsr-3615	609	37	e15	e15	PROPN
fsr-3615	609	38	)	)	PUNCT
fsr-3615	609	39	,	,	PUNCT
fsr-3615	609	40	and	and	CCONJ
fsr-3615	609	41	being	be	AUX
fsr-3615	609	42	late	late	ADV
fsr-3615	609	43	on	on	ADP
fsr-3615	609	44	credit	credit	NOUN
fsr-3615	609	45	card	card	NOUN
fsr-3615	609	46	payments	payment	NOUN
fsr-3615	609	47	(	(	PUNCT
fsr-3615	609	48	f2_4	f2_4	ADV
fsr-3615	609	49	):	):	PUNCT
fsr-3615	609	50	g35)52	g35)52	VERB
fsr-3615	609	51	how	how	SCONJ
fsr-3615	609	52	many	many	ADJ
fsr-3615	609	53	times	time	NOUN
fsr-3615	609	54	have	have	AUX
fsr-3615	609	55	you	you	PRON
fsr-3615	609	56	been	be	AUX
fsr-3615	609	57	late	late	ADJ
fsr-3615	609	58	with	with	ADP
fsr-3615	609	59	a	a	DET
fsr-3615	609	60	student	student	NOUN
fsr-3615	609	61	loan	loan	NOUN
fsr-3615	609	62	payment	payment	NOUN
fsr-3615	609	63	in	in	ADP
fsr-3615	609	64	the	the	DET
fsr-3615	609	65	past	past	ADJ
fsr-3615	609	66	12	12	NUM
fsr-3615	609	67	months	month	NOUN
fsr-3615	609	68	?	?	PUNCT
fsr-3615	610	1	(	(	PUNCT
fsr-3615	610	2	if	if	SCONJ
fsr-3615	610	3	you	you	PRON
fsr-3615	610	4	have	have	VERB
fsr-3615	610	5	more	more	ADJ
fsr-3615	610	6	than	than	ADP
fsr-3615	610	7	one	one	NUM
fsr-3615	610	8	student	student	NOUN
fsr-3615	610	9	loan	loan	NOUN
fsr-3615	610	10	,	,	PUNCT
fsr-3615	610	11	please	please	INTJ
fsr-3615	610	12	consider	consider	VERB
fsr-3615	610	13	them	they	PRON
fsr-3615	610	14	all	all	PRON
fsr-3615	610	15	.	.	PUNCT
fsr-3615	610	16	)	)	PUNCT
fsr-3615	611	1	never	never	ADV
fsr-3615	611	2	,	,	PUNCT
fsr-3615	611	3	payments	payment	NOUN
fsr-3615	611	4	are	be	AUX
fsr-3615	611	5	not	not	PART
fsr-3615	611	6	due	due	ADJ
fsr-3615	611	7	on	on	ADP
fsr-3615	611	8	my	my	PRON
fsr-3615	611	9	loans	loan	NOUN
fsr-3615	611	10	at	at	ADP
fsr-3615	611	11	this	this	DET
fsr-3615	611	12	time	time	NOUN
fsr-3615	611	13	..................................................	..................................................	PUNCT
fsr-3615	611	14	1	1	NUM
fsr-3615	611	15	never	never	ADV
fsr-3615	611	16	,	,	PUNCT
fsr-3615	611	17	i	i	PRON
fsr-3615	611	18	have	have	AUX
fsr-3615	611	19	been	be	AUX
fsr-3615	611	20	repaying	repay	VERB
fsr-3615	611	21	on	on	ADP
fsr-3615	611	22	time	time	NOUN
fsr-3615	611	23	each	each	DET
fsr-3615	611	24	month	month	NOUN
fsr-3615	611	25	.........................................................	.........................................................	PUNCT
fsr-3615	612	1	2	2	NUM
fsr-3615	613	1	once	once	ADV
fsr-3615	613	2	..............................................................................................................................	..............................................................................................................................	PUNCT
fsr-3615	614	1	3	3	NUM
fsr-3615	614	2	more	more	ADJ
fsr-3615	614	3	than	than	ADP
fsr-3615	614	4	once	once	ADV
fsr-3615	614	5	.............................................................................................................	.............................................................................................................	PROPN
fsr-3615	614	6	4	4	NUM
fsr-3615	614	7	financial	financial	ADJ
fsr-3615	614	8	services	service	NOUN
fsr-3615	614	9	review	review	NOUN
fsr-3615	614	10	,	,	PUNCT
fsr-3615	614	11	33(1	33(1	NUM
fsr-3615	614	12	)	)	PUNCT
fsr-3615	614	13	26	26	NUM
fsr-3615	614	14	e15)47	e15)47	VERB
fsr-3615	614	15	how	how	SCONJ
fsr-3615	614	16	many	many	ADJ
fsr-3615	614	17	times	time	NOUN
fsr-3615	614	18	have	have	AUX
fsr-3615	614	19	you	you	PRON
fsr-3615	614	20	been	be	AUX
fsr-3615	614	21	late	late	ADJ
fsr-3615	614	22	with	with	ADP
fsr-3615	614	23	your	your	PRON
fsr-3615	614	24	mortgage	mortgage	NOUN
fsr-3615	614	25	payments	payment	NOUN
fsr-3615	614	26	in	in	ADP
fsr-3615	614	27	the	the	DET
fsr-3615	614	28	past	past	ADJ
fsr-3615	614	29	12	12	NUM
fsr-3615	614	30	months	month	NOUN
fsr-3615	614	31	?	?	PUNCT
fsr-3615	615	1	(	(	PUNCT
fsr-3615	615	2	if	if	SCONJ
fsr-3615	615	3	you	you	PRON
fsr-3615	615	4	have	have	VERB
fsr-3615	615	5	more	more	ADJ
fsr-3615	615	6	than	than	ADP
fsr-3615	615	7	one	one	NUM
fsr-3615	615	8	mortgage	mortgage	NOUN
fsr-3615	615	9	on	on	ADP
fsr-3615	615	10	your	your	PRON
fsr-3615	615	11	home(s	home(s	NOUN
fsr-3615	615	12	)	)	PUNCT
fsr-3615	615	13	,	,	PUNCT
fsr-3615	615	14	please	please	INTJ
fsr-3615	615	15	consider	consider	VERB
fsr-3615	615	16	them	they	PRON
fsr-3615	615	17	all	all	PRON
fsr-3615	615	18	.	.	PUNCT
fsr-3615	615	19	)	)	PUNCT
fsr-3615	616	1	never	never	ADV
fsr-3615	616	2	.............................................................................................................................	.............................................................................................................................	SYM
fsr-3615	617	1	1	1	NUM
fsr-3615	617	2	once	once	ADV
fsr-3615	617	3	..............................................................................................................................	..............................................................................................................................	PUNCT
fsr-3615	618	1	2	2	NUM
fsr-3615	618	2	more	more	ADJ
fsr-3615	618	3	than	than	ADP
fsr-3615	618	4	once	once	ADV
fsr-3615	618	5	.............................................................................................................	.............................................................................................................	PROPN
fsr-3615	618	6	3	3	NUM
fsr-3615	618	7	f2	f2	ADJ
fsr-3615	618	8	)	)	PUNCT
fsr-3615	618	9	in	in	ADP
fsr-3615	618	10	the	the	DET
fsr-3615	618	11	past	past	ADJ
fsr-3615	618	12	12	12	NUM
fsr-3615	618	13	months	month	NOUN
fsr-3615	618	14	,	,	PUNCT
fsr-3615	618	15	which	which	PRON
fsr-3615	618	16	of	of	ADP
fsr-3615	618	17	the	the	DET
fsr-3615	618	18	following	following	NOUN
fsr-3615	618	19	describes	describe	VERB
fsr-3615	618	20	your	your	PRON
fsr-3615	618	21	experience	experience	NOUN
fsr-3615	618	22	with	with	ADP
fsr-3615	618	23	credit	credit	NOUN
fsr-3615	618	24	cards	card	NOUN
fsr-3615	618	25	?	?	PUNCT
fsr-3615	619	1	(	(	PUNCT
fsr-3615	619	2	select	select	VERB
fsr-3615	619	3	an	an	DET
fsr-3615	619	4	answer	answer	NOUN
fsr-3615	619	5	for	for	ADP
fsr-3615	619	6	each	each	PRON
fsr-3615	619	7	)	)	PUNCT
fsr-3615	619	8	f2_4	f2_4	VERB
fsr-3615	619	9	)	)	PUNCT
fsr-3615	619	10	in	in	ADP
fsr-3615	619	11	some	some	DET
fsr-3615	619	12	months	month	NOUN
fsr-3615	619	13	,	,	PUNCT
fsr-3615	619	14	i	i	PRON
fsr-3615	619	15	was	be	AUX
fsr-3615	619	16	charged	charge	VERB
fsr-3615	619	17	a	a	DET
fsr-3615	619	18	late	late	ADJ
fsr-3615	619	19	fee	fee	NOUN
fsr-3615	619	20	for	for	ADP
fsr-3615	619	21	late	late	ADJ
fsr-3615	619	22	payment	payment	NOUN
fsr-3615	619	23	a.13	a.13	ADP
fsr-3615	619	24	subjective	subjective	ADJ
fsr-3615	619	25	credit	credit	NOUN
fsr-3615	619	26	record	record	NOUN
fsr-3615	619	27	respondents	respondent	NOUN
fsr-3615	619	28	’	'	PUNCT
fsr-3615	619	29	self	self	NOUN
fsr-3615	619	30	-	-	PUNCT
fsr-3615	619	31	assessed	assess	VERB
fsr-3615	619	32	credit	credit	NOUN
fsr-3615	619	33	record	record	NOUN
fsr-3615	619	34	was	be	AUX
fsr-3615	619	35	coded	code	VERB
fsr-3615	619	36	based	base	VERB
fsr-3615	619	37	on	on	ADP
fsr-3615	619	38	the	the	DET
fsr-3615	619	39	following	follow	VERB
fsr-3615	619	40	question	question	NOUN
fsr-3615	619	41	:	:	PUNCT
fsr-3615	619	42	j32)28	j32)28	X
fsr-3615	620	1	how	how	SCONJ
fsr-3615	620	2	would	would	AUX
fsr-3615	620	3	you	you	PRON
fsr-3615	620	4	rate	rate	VERB
fsr-3615	620	5	your	your	PRON
fsr-3615	620	6	current	current	ADJ
fsr-3615	620	7	credit	credit	NOUN
fsr-3615	620	8	record	record	NOUN
fsr-3615	620	9	?	?	PUNCT
fsr-3615	621	1	very	very	ADV
fsr-3615	621	2	bad	bad	ADJ
fsr-3615	621	3	........................................................................................................................	........................................................................................................................	NOUN
fsr-3615	622	1	1	1	NUM
fsr-3615	622	2	bad	bad	ADJ
fsr-3615	622	3	................................................................................................................................	................................................................................................................................	PUNCT
fsr-3615	622	4	2	2	NUM
fsr-3615	622	5	about	about	ADP
fsr-3615	622	6	average	average	ADJ
fsr-3615	622	7	...............................................................................................................	...............................................................................................................	PROPN
fsr-3615	623	1	3	3	NUM
fsr-3615	623	2	good	good	ADJ
fsr-3615	623	3	.............................................................................................................................	.............................................................................................................................	NOUN
fsr-3615	624	1	4	4	NUM
fsr-3615	624	2	very	very	ADV
fsr-3615	624	3	good	good	ADJ
fsr-3615	624	4	.....................................................................................................................	.....................................................................................................................	PUNCT
fsr-3615	625	1	5	5	NUM
fsr-3615	625	2	appendix	appendix	NOUN
fsr-3615	625	3	b	b	NOUN
fsr-3615	625	4	:	:	PUNCT
fsr-3615	625	5	correlation	correlation	NOUN
fsr-3615	625	6	table	table	NOUN
fsr-3615	625	7	for	for	ADP
fsr-3615	625	8	objective	objective	ADJ
fsr-3615	625	9	and	and	CCONJ
fsr-3615	625	10	subjective	subjective	ADJ
fsr-3615	625	11	financial	financial	ADJ
fsr-3615	625	12	knowledge	knowledge	NOUN
fsr-3615	625	13	correlation	correlation	NOUN
fsr-3615	625	14	table	table	NOUN
fsr-3615	625	15	:	:	PUNCT
fsr-3615	625	16	objective	objective	ADJ
fsr-3615	625	17	financial	financial	ADJ
fsr-3615	625	18	knowledge	knowledge	NOUN
fsr-3615	625	19	and	and	CCONJ
fsr-3615	625	20	subjective	subjective	ADJ
fsr-3615	625	21	financial	financial	ADJ
fsr-3615	625	22	knowledge	knowledge	NOUN
fsr-3615	625	23	correlation	correlation	NOUN
fsr-3615	625	24	obj	obj	PROPN
fsr-3615	625	25	.	.	PROPN
fsr-3615	626	1	fin	fin	PROPN
fsr-3615	626	2	knowledge	knowledge	PROPN
fsr-3615	626	3	sub	sub	PROPN
fsr-3615	626	4	.	.	PROPN
fsr-3615	627	1	fin	fin	NOUN
fsr-3615	627	2	knowledge	knowledge	NOUN
fsr-3615	627	3	objective	objective	ADJ
fsr-3615	627	4	financial	financial	ADJ
fsr-3615	627	5	knowledge	knowledge	NOUN
fsr-3615	627	6	1	1	NUM
fsr-3615	627	7	subj	subj	NOUN
fsr-3615	627	8	.	.	PUNCT
fsr-3615	628	1	financial	financial	ADJ
fsr-3615	628	2	knowledge	knowledge	NOUN
fsr-3615	628	3	0.248	0.248	NUM
fsr-3615	628	4	1	1	NUM
fsr-3615	628	5	ouyang	ouyang	PROPN
fsr-3615	628	6	et	et	PROPN
fsr-3615	628	7	al	al	PROPN
fsr-3615	628	8	.	.	PROPN
fsr-3615	628	9	27	27	NUM
fsr-3615	628	10	appendix	appendix	NOUN
fsr-3615	628	11	c	c	NOUN
fsr-3615	628	12	:	:	PUNCT
fsr-3615	628	13	variance	variance	NOUN
fsr-3615	628	14	inflation	inflation	NOUN
fsr-3615	628	15	factors	factor	NOUN
fsr-3615	628	16	appendix	appendix	VERB
fsr-3615	628	17	table	table	NOUN
fsr-3615	628	18	c.	c.	PROPN
fsr-3615	628	19	variance	variance	NOUN
fsr-3615	628	20	inflation	inflation	NOUN
fsr-3615	628	21	factor	factor	NOUN
fsr-3615	628	22	(	(	PUNCT
fsr-3615	628	23	vif	vif	PROPN
fsr-3615	628	24	)	)	PUNCT
fsr-3615	628	25	for	for	ADP
fsr-3615	628	26	the	the	DET
fsr-3615	628	27	independent	independent	ADJ
fsr-3615	628	28	variables	variable	NOUN
fsr-3615	628	29	exogenous	exogenous	ADJ
fsr-3615	628	30	(	(	PUNCT
fsr-3615	628	31	independent	independent	ADJ
fsr-3615	628	32	)	)	PUNCT
fsr-3615	628	33	variables	variable	NOUN
fsr-3615	628	34	vif	vif	NOUN
fsr-3615	628	35	1	1	NUM
fsr-3615	628	36	/	/	SYM
fsr-3615	628	37	vif	vif	NOUN
fsr-3615	628	38	income	income	NOUN
fsr-3615	628	39	drop	drop	VERB
fsr-3615	628	40	yes	yes	INTJ
fsr-3615	628	41	1.46	1.46	NUM
fsr-3615	628	42	.685	.685	NUM
fsr-3615	628	43	perceived	perceive	VERB
fsr-3615	628	44	financial	financial	ADJ
fsr-3615	628	45	control	control	NOUN
fsr-3615	628	46	rarely	rarely	ADV
fsr-3615	628	47	2.13	2.13	NUM
fsr-3615	628	48	.469	.469	NUM
fsr-3615	628	49	sometimes	sometimes	ADV
fsr-3615	628	50	2.64	2.64	NUM
fsr-3615	628	51	.379	.379	NUM
fsr-3615	628	52	often	often	ADV
fsr-3615	628	53	2.32	2.32	NUM
fsr-3615	628	54	.431	.431	NUM
fsr-3615	628	55	always	always	ADV
fsr-3615	628	56	2.38	2.38	NUM
fsr-3615	628	57	.420	.420	NUM
fsr-3615	628	58	control	control	NOUN
fsr-3615	628	59	variables	variable	NOUN
fsr-3615	628	60	age	age	NOUN
fsr-3615	628	61	group	group	NOUN
fsr-3615	628	62	25	25	NUM
fsr-3615	628	63	-	-	SYM
fsr-3615	628	64	34	34	NUM
fsr-3615	628	65	3.08	3.08	NUM
fsr-3615	628	66	.325	.325	NUM
fsr-3615	628	67	35	35	NUM
fsr-3615	628	68	-	-	SYM
fsr-3615	628	69	44	44	NUM
fsr-3615	628	70	3.22	3.22	NUM
fsr-3615	628	71	.311	.311	NUM
fsr-3615	628	72	45	45	NUM
fsr-3615	628	73	-	-	SYM
fsr-3615	628	74	54	54	NUM
fsr-3615	628	75	3.37	3.37	NUM
fsr-3615	628	76	.297	.297	NUM
fsr-3615	628	77	55	55	NUM
fsr-3615	628	78	-	-	SYM
fsr-3615	628	79	64	64	NUM
fsr-3615	628	80	3.68	3.68	NUM
fsr-3615	628	81	.272	.272	NUM
fsr-3615	628	82	65	65	NUM
fsr-3615	628	83	+	+	CCONJ
fsr-3615	628	84	5.51	5.51	NUM
fsr-3615	628	85	.181	.181	NUM
fsr-3615	628	86	gender	gender	NOUN
fsr-3615	628	87	female	female	NOUN
fsr-3615	628	88	1.16	1.16	NUM
fsr-3615	628	89	.864	.864	NUM
fsr-3615	628	90	ethnicity	ethnicity	NOUN
fsr-3615	628	91	non	non	ADJ
fsr-3615	628	92	-	-	ADJ
fsr-3615	628	93	white	white	ADJ
fsr-3615	628	94	1.08	1.08	NUM
fsr-3615	628	95	.922	.922	NUM
fsr-3615	628	96	family	family	NOUN
fsr-3615	628	97	status	status	NOUN
fsr-3615	628	98	live	live	VERB
fsr-3615	628	99	with	with	ADP
fsr-3615	628	100	partner	partner	NOUN
fsr-3615	628	101	/	/	SYM
fsr-3615	628	102	spouse	spouse	NOUN
fsr-3615	628	103	1.37	1.37	NUM
fsr-3615	628	104	.729	.729	NUM
fsr-3615	628	105	employment	employment	NOUN
fsr-3615	628	106	self	self	NOUN
fsr-3615	628	107	-	-	PUNCT
fsr-3615	628	108	employed	employ	VERB
fsr-3615	628	109	1.17	1.17	NUM
fsr-3615	628	110	.855	.855	NUM
fsr-3615	628	111	work	work	NOUN
fsr-3615	628	112	part	part	NOUN
fsr-3615	628	113	-	-	PUNCT
fsr-3615	628	114	time	time	NOUN
fsr-3615	628	115	1.21	1.21	NUM
fsr-3615	628	116	.825	.825	NUM
fsr-3615	628	117	homemaker	homemaker	NOUN
fsr-3615	628	118	1.24	1.24	NUM
fsr-3615	628	119	.809	.809	NUM
fsr-3615	628	120	full	full	ADJ
fsr-3615	628	121	-	-	PUNCT
fsr-3615	628	122	time	time	NOUN
fsr-3615	628	123	student	student	NOUN
fsr-3615	628	124	1.12	1.12	NUM
fsr-3615	628	125	.890	.890	NUM
fsr-3615	628	126	permanently	permanently	ADV
fsr-3615	628	127	sick	sick	ADJ
fsr-3615	628	128	1.35	1.35	NUM
fsr-3615	628	129	.743	.743	NUM
fsr-3615	628	130	unemployed	unemployed	ADJ
fsr-3615	628	131	1.30	1.30	NUM
fsr-3615	628	132	.768	.768	NUM
fsr-3615	628	133	retired	retire	VERB
fsr-3615	628	134	2.80	2.80	NUM
fsr-3615	628	135	.357	.357	NUM
fsr-3615	628	136	education	education	NOUN
fsr-3615	628	137	some	some	DET
fsr-3615	628	138	college	college	NOUN
fsr-3615	628	139	1.58	1.58	NUM
fsr-3615	628	140	.634	.634	NUM
fsr-3615	628	141	associate	associate	NOUN
fsr-3615	628	142	's	's	PART
fsr-3615	628	143	degree	degree	NOUN
fsr-3615	628	144	1.37	1.37	NUM
fsr-3615	628	145	.732	.732	NUM
fsr-3615	628	146	bachelor	bachelor	PROPN
fsr-3615	628	147	's	's	PART
fsr-3615	628	148	degree	degree	NOUN
fsr-3615	628	149	1.83	1.83	NUM
fsr-3615	628	150	.547	.547	NUM
fsr-3615	628	151	post	post	NOUN
fsr-3615	628	152	graduate	graduate	NOUN
fsr-3615	628	153	degree	degree	NOUN
fsr-3615	628	154	1.54	1.54	NUM
fsr-3615	628	155	.648	.648	NUM
fsr-3615	628	156	income	income	NOUN
fsr-3615	628	157	levels	level	NOUN
fsr-3615	628	158	$	$	SYM
fsr-3615	628	159	15,000	15,000	NUM
fsr-3615	628	160	to	to	PART
fsr-3615	628	161	$	$	SYM
fsr-3615	628	162	25,000	25,000	NUM
fsr-3615	628	163	1.98	1.98	NUM
fsr-3615	628	164	.505	.505	NUM
fsr-3615	628	165	$	$	SYM
fsr-3615	628	166	25,000	25,000	NUM
fsr-3615	628	167	to	to	PART
fsr-3615	628	168	$	$	SYM
fsr-3615	628	169	35,000	35,000	NUM
fsr-3615	628	170	2.18	2.18	NUM
fsr-3615	628	171	.459	.459	NUM
fsr-3615	628	172	$	$	SYM
fsr-3615	628	173	35,000	35,000	NUM
fsr-3615	628	174	to	to	PART
fsr-3615	628	175	$	$	SYM
fsr-3615	628	176	50,000	50,000	NUM
fsr-3615	628	177	2.71	2.71	NUM
fsr-3615	628	178	.368	.368	NUM
fsr-3615	628	179	$	$	SYM
fsr-3615	628	180	50,000	50,000	NUM
fsr-3615	628	181	to	to	PART
fsr-3615	628	182	$	$	SYM
fsr-3615	628	183	75,000	75,000	NUM
fsr-3615	628	184	3.47	3.47	NUM
fsr-3615	628	185	.288	.288	NUM
fsr-3615	628	186	$	$	SYM
fsr-3615	628	187	75,000	75,000	NUM
fsr-3615	628	188	to	to	PART
fsr-3615	628	189	$	$	SYM
fsr-3615	628	190	100,000	100,000	NUM
fsr-3615	628	191	3.15	3.15	NUM
fsr-3615	628	192	.318	.318	NUM
fsr-3615	628	193	$	$	SYM
fsr-3615	628	194	100,000	100,000	NUM
fsr-3615	628	195	to	to	PART
fsr-3615	628	196	$	$	SYM
fsr-3615	628	197	150,000	150,000	NUM
fsr-3615	628	198	3.19	3.19	NUM
fsr-3615	628	199	.314	.314	NUM
fsr-3615	628	200	$	$	SYM
fsr-3615	628	201	150,000	150,000	NUM
fsr-3615	628	202	to	to	PART
fsr-3615	628	203	$	$	SYM
fsr-3615	628	204	200,000	200,000	NUM
fsr-3615	628	205	1.75	1.75	NUM
fsr-3615	628	206	.572	.572	NUM
fsr-3615	628	207	$	$	SYM
fsr-3615	628	208	200,000	200,000	NUM
fsr-3615	628	209	to	to	PART
fsr-3615	628	210	$	$	SYM
fsr-3615	628	211	300,000	300,000	NUM
fsr-3615	628	212	1.19	1.19	NUM
fsr-3615	628	213	.839	.839	NUM
fsr-3615	628	214	$	$	SYM
fsr-3615	628	215	300,000	300,000	NUM
fsr-3615	628	216	or	or	CCONJ
fsr-3615	628	217	more	more	ADJ
fsr-3615	628	218	1.09	1.09	NUM
fsr-3615	628	219	.913	.913	NUM
fsr-3615	628	220	laid	lay	VERB
fsr-3615	628	221	off	off	ADP
fsr-3615	628	222	during	during	ADP
fsr-3615	629	1	pandemic	pandemic	ADJ
fsr-3615	629	2	yes	yes	ADV
fsr-3615	629	3	1.33	1.33	NUM
fsr-3615	629	4	.751	.751	NUM
fsr-3615	629	5	emergency	emergency	NOUN
fsr-3615	629	6	fund	fund	NOUN
fsr-3615	629	7	yes	yes	INTJ
fsr-3615	629	8	1.36	1.36	NUM
fsr-3615	629	9	.571	.571	NUM
fsr-3615	629	10	homeownership	homeownership	NOUN
fsr-3615	630	1	yes	yes	ADP
fsr-3615	630	2	1.47	1.47	NUM
fsr-3615	630	3	.679	.679	NUM
fsr-3615	630	4	objective	objective	ADJ
fsr-3615	630	5	financial	financial	ADJ
fsr-3615	630	6	knowledge	knowledge	NOUN
fsr-3615	630	7	1.36	1.36	NUM
fsr-3615	630	8	.737	.737	NUM
fsr-3615	630	9	subjective	subjective	ADJ
fsr-3615	630	10	financial	financial	ADJ
fsr-3615	630	11	knowledge	knowledge	NOUN
fsr-3615	630	12	1.25	1.25	NUM
fsr-3615	630	13	.801	.801	NUM
fsr-3615	630	14	financial	financial	ADJ
fsr-3615	630	15	strain	strain	NOUN
fsr-3615	630	16	yes	yes	INTJ
fsr-3615	630	17	1.50	1.50	NUM
fsr-3615	630	18	.665	.665	NUM
fsr-3615	630	19	subjective	subjective	ADJ
fsr-3615	630	20	credit	credit	NOUN
fsr-3615	630	21	record	record	NOUN
fsr-3615	630	22	bad	bad	ADJ
fsr-3615	630	23	3.62	3.62	NUM
fsr-3615	630	24	.276	.276	NUM
fsr-3615	630	25	average	average	ADJ
fsr-3615	630	26	4.57	4.57	NUM
fsr-3615	630	27	.219	.219	NUM
fsr-3615	630	28	good	good	ADJ
fsr-3615	630	29	5.21	5.21	NUM
fsr-3615	630	30	.192	.192	NUM
fsr-3615	630	31	very	very	ADV
fsr-3615	630	32	good	good	ADJ
fsr-3615	630	33	8.61	8.61	NUM
fsr-3615	630	34	.116	.116	PRON
fsr-3615	630	35	have	have	VERB
fsr-3615	630	36	money	money	NOUN
fsr-3615	630	37	left	leave	VERB
fsr-3615	630	38	rarely	rarely	ADV
fsr-3615	630	39	2.36	2.36	NUM
fsr-3615	630	40	.423	.423	NUM
fsr-3615	630	41	sometimes	sometimes	ADV
fsr-3615	630	42	3.22	3.22	NUM
fsr-3615	630	43	.310	.310	NUM
fsr-3615	630	44	often	often	ADV
fsr-3615	630	45	3.20	3.20	NUM
fsr-3615	630	46	.313	.313	NUM
fsr-3615	630	47	always	always	ADV
fsr-3615	630	48	4.00	4.00	NUM
fsr-3615	630	49	.250	.250	NUM
fsr-3615	630	50	average	average	ADJ
fsr-3615	630	51	vif	vif	NOUN
fsr-3615	630	52	2.43	2.43	NUM