id	sid	tid	token	lemma	pos
fsr-3650	1	1	pii	pii	PROPN
fsr-3650	1	2	:	:	PUNCT
fsr-3650	1	3	1057	1057	NUM
fsr-3650	1	4	-	-	PUNCT
fsr-3650	1	5	0810(91)90002	0810(91)90002	NOUN
fsr-3650	1	6	-	-	NOUN
fsr-3650	1	7	g	g	NOUN
fsr-3650	1	8	from	from	ADP
fsr-3650	1	9	the	the	DET
fsr-3650	1	10	editor	editor	NOUN
fsr-3650	1	11	many	many	ADJ
fsr-3650	1	12	people	people	NOUN
fsr-3650	1	13	date	date	VERB
fsr-3650	1	14	the	the	DET
fsr-3650	1	15	origins	origin	NOUN
fsr-3650	1	16	of	of	ADP
fsr-3650	1	17	modern	modern	ADJ
fsr-3650	1	18	finance	finance	NOUN
fsr-3650	1	19	theory	theory	NOUN
fsr-3650	1	20	to	to	ADP
fsr-3650	1	21	the	the	DET
fsr-3650	1	22	publication	publication	NOUN
fsr-3650	1	23	of	of	ADP
fsr-3650	1	24	harry	harry	PROPN
fsr-3650	1	25	markowitz	markowitz	PROPN
fsr-3650	1	26	’s	’s	PART
fsr-3650	1	27	1952	1952	NUM
fsr-3650	1	28	article	article	NOUN
fsr-3650	1	29	,	,	PUNCT
fsr-3650	1	30	“	"	PUNCT
fsr-3650	1	31	portfolio	portfolio	NOUN
fsr-3650	1	32	selection	selection	NOUN
fsr-3650	1	33	,	,	PUNCT
fsr-3650	1	34	”	"	PUNCT
fsr-3650	1	35	in	in	ADP
fsr-3650	1	36	the	the	DET
fsr-3650	1	37	journal	journal	NOUN
fsr-3650	1	38	of	of	ADP
fsr-3650	1	39	finance	finance	NOUN
fsr-3650	1	40	.	.	PUNCT
fsr-3650	2	1	it	it	PRON
fsr-3650	2	2	is	be	AUX
fsr-3650	2	3	therefore	therefore	ADV
fsr-3650	2	4	appropriate	appropriate	ADJ
fsr-3650	2	5	to	to	PART
fsr-3650	2	6	begin	begin	VERB
fsr-3650	2	7	our	our	PRON
fsr-3650	2	8	new	new	ADJ
fsr-3650	2	9	journal	journal	NOUN
fsr-3650	2	10	with	with	ADP
fsr-3650	2	11	an	an	DET
fsr-3650	2	12	article	article	NOUN
fsr-3650	2	13	by	by	ADP
fsr-3650	2	14	that	that	DET
fsr-3650	2	15	same	same	ADJ
fsr-3650	2	16	author	author	NOUN
fsr-3650	2	17	who	who	PRON
fsr-3650	2	18	shared	share	VERB
fsr-3650	2	19	the	the	DET
fsr-3650	2	20	1990	1990	NUM
fsr-3650	2	21	nobel	nobel	PROPN
fsr-3650	2	22	prize	prize	PROPN
fsr-3650	2	23	in	in	ADP
fsr-3650	2	24	economics	economic	NOUN
fsr-3650	2	25	for	for	ADP
fsr-3650	2	26	his	his	PRON
fsr-3650	2	27	work	work	NOUN
fsr-3650	2	28	.	.	PUNCT
fsr-3650	3	1	professor	professor	NOUN
fsr-3650	3	2	markowitz	markowitz	PROPN
fsr-3650	3	3	seeks	seek	VERB
fsr-3650	3	4	to	to	PART
fsr-3650	3	5	apply	apply	VERB
fsr-3650	3	6	portfolio	portfolio	NOUN
fsr-3650	3	7	selection	selection	NOUN
fsr-3650	3	8	theory	theory	NOUN
fsr-3650	3	9	to	to	ADP
fsr-3650	3	10	the	the	DET
fsr-3650	3	11	individual	individual	ADJ
fsr-3650	3	12	investor	investor	NOUN
fsr-3650	3	13	.	.	PUNCT
fsr-3650	4	1	he	he	PRON
fsr-3650	4	2	reveals	reveal	VERB
fsr-3650	4	3	that	that	SCONJ
fsr-3650	4	4	his	his	PRON
fsr-3650	4	5	original	original	ADJ
fsr-3650	4	6	work	work	NOUN
fsr-3650	4	7	was	be	AUX
fsr-3650	4	8	focused	focus	VERB
fsr-3650	4	9	on	on	ADP
fsr-3650	4	10	an	an	DET
fsr-3650	4	11	investment	investment	NOUN
fsr-3650	4	12	company	company	NOUN
fsr-3650	4	13	,	,	PUNCT
fsr-3650	4	14	a	a	DET
fsr-3650	4	15	much	much	ADV
fsr-3650	4	16	simpler	simple	ADJ
fsr-3650	4	17	entity	entity	NOUN
fsr-3650	4	18	than	than	ADP
fsr-3650	4	19	an	an	DET
fsr-3650	4	20	individual	individual	NOUN
fsr-3650	4	21	or	or	CCONJ
fsr-3650	4	22	family	family	NOUN
fsr-3650	4	23	.	.	PUNCT
fsr-3650	5	1	in	in	ADP
fsr-3650	5	2	dealing	deal	VERB
fsr-3650	5	3	with	with	ADP
fsr-3650	5	4	individual	individual	ADJ
fsr-3650	5	5	financial	financial	ADJ
fsr-3650	5	6	management	management	NOUN
fsr-3650	5	7	,	,	PUNCT
fsr-3650	5	8	one	one	PRON
fsr-3650	5	9	must	must	AUX
fsr-3650	5	10	recognize	recognize	VERB
fsr-3650	5	11	the	the	DET
fsr-3650	5	12	inherent	inherent	ADJ
fsr-3650	5	13	illiquidity	illiquidity	NOUN
fsr-3650	5	14	of	of	ADP
fsr-3650	5	15	important	important	ADJ
fsr-3650	5	16	assets	asset	NOUN
fsr-3650	5	17	,	,	PUNCT
fsr-3650	5	18	such	such	ADJ
fsr-3650	5	19	as	as	ADP
fsr-3650	5	20	the	the	DET
fsr-3650	5	21	home	home	NOUN
fsr-3650	5	22	and	and	CCONJ
fsr-3650	5	23	its	its	PRON
fsr-3650	5	24	furnishings	furnishing	NOUN
fsr-3650	5	25	.	.	PUNCT
fsr-3650	6	1	furthermore	furthermore	ADV
fsr-3650	6	2	,	,	PUNCT
fsr-3650	6	3	given	give	VERB
fsr-3650	6	4	the	the	DET
fsr-3650	6	5	random	random	ADJ
fsr-3650	6	6	nature	nature	NOUN
fsr-3650	6	7	of	of	ADP
fsr-3650	6	8	events	event	NOUN
fsr-3650	6	9	that	that	PRON
fsr-3650	6	10	might	might	AUX
fsr-3650	6	11	affect	affect	VERB
fsr-3650	6	12	a	a	DET
fsr-3650	6	13	family	family	NOUN
fsr-3650	6	14	,	,	PUNCT
fsr-3650	6	15	a	a	DET
fsr-3650	6	16	single	single	ADJ
fsr-3650	6	17	plan	plan	NOUN
fsr-3650	6	18	must	must	AUX
fsr-3650	6	19	give	give	VERB
fsr-3650	6	20	way	way	NOUN
fsr-3650	6	21	to	to	ADP
fsr-3650	6	22	adaptive	adaptive	ADJ
fsr-3650	6	23	decision	decision	NOUN
fsr-3650	6	24	rules	rule	NOUN
fsr-3650	6	25	.	.	PUNCT
fsr-3650	7	1	professor	professor	NOUN
fsr-3650	7	2	markowitz	markowitz	PROPN
fsr-3650	7	3	concludes	conclude	VERB
fsr-3650	7	4	by	by	ADP
fsr-3650	7	5	suggesting	suggest	VERB
fsr-3650	7	6	ways	way	NOUN
fsr-3650	7	7	in	in	ADP
fsr-3650	7	8	which	which	PRON
fsr-3650	7	9	the	the	DET
fsr-3650	7	10	“	"	PUNCT
fsr-3650	7	11	game	game	NOUN
fsr-3650	7	12	of	of	ADP
fsr-3650	7	13	life	life	NOUN
fsr-3650	7	14	”	"	PUNCT
fsr-3650	7	15	may	may	AUX
fsr-3650	7	16	be	be	AUX
fsr-3650	7	17	simulated	simulate	VERB
fsr-3650	7	18	,	,	PUNCT
fsr-3650	7	19	and	and	CCONJ
fsr-3650	7	20	encourages	encourage	VERB
fsr-3650	7	21	the	the	DET
fsr-3650	7	22	financial	financial	ADJ
fsr-3650	7	23	services	service	NOUN
fsr-3650	7	24	review	review	NOUN
fsr-3650	7	25	to	to	PART
fsr-3650	7	26	“	"	PUNCT
fsr-3650	7	27	publish	publish	VERB
fsr-3650	7	28	research	research	NOUN
fsr-3650	7	29	with	with	ADP
fsr-3650	7	30	various	various	ADJ
fsr-3650	7	31	approaches	approach	NOUN
fsr-3650	7	32	to	to	ADP
fsr-3650	7	33	various	various	ADJ
fsr-3650	7	34	aspects	aspect	NOUN
fsr-3650	7	35	of	of	ADP
fsr-3650	7	36	its	its	PRON
fsr-3650	7	37	topic	topic	NOUN
fsr-3650	7	38	area	area	NOUN
fsr-3650	7	39	.	.	PUNCT
fsr-3650	7	40	”	"	PUNCT
fsr-3650	8	1	he	he	PRON
fsr-3650	8	2	concludes	conclude	VERB
fsr-3650	8	3	by	by	ADP
fsr-3650	8	4	saying	say	VERB
fsr-3650	8	5	that	that	SCONJ
fsr-3650	8	6	“	"	PUNCT
fsr-3650	8	7	such	such	ADJ
fsr-3650	8	8	pluralism	pluralism	NOUN
fsr-3650	8	9	is	be	AUX
fsr-3650	8	10	desirable	desirable	ADJ
fsr-3650	8	11	in	in	ADP
fsr-3650	8	12	research	research	NOUN
fsr-3650	8	13	,	,	PUNCT
fsr-3650	8	14	as	as	SCONJ
fsr-3650	8	15	it	it	PRON
fsr-3650	8	16	is	be	AUX
fsr-3650	8	17	in	in	ADP
fsr-3650	8	18	politics	politic	NOUN
fsr-3650	8	19	and	and	CCONJ
fsr-3650	8	20	the	the	DET
fsr-3650	8	21	marketplace	marketplace	NOUN
fsr-3650	8	22	.	.	PUNCT
fsr-3650	8	23	”	"	PUNCT
fsr-3650	9	1	in	in	ADP
fsr-3650	9	2	starting	start	VERB
fsr-3650	9	3	this	this	PRON
fsr-3650	9	4	,	,	PUNCT
fsr-3650	9	5	the	the	DET
fsr-3650	9	6	first	first	ADJ
fsr-3650	9	7	scholarly	scholarly	ADJ
fsr-3650	9	8	journal	journal	NOUN
fsr-3650	9	9	to	to	PART
fsr-3650	9	10	focus	focus	VERB
fsr-3650	9	11	on	on	ADP
fsr-3650	9	12	individual	individual	ADJ
fsr-3650	9	13	financial	financial	ADJ
fsr-3650	9	14	management	management	NOUN
fsr-3650	9	15	,	,	PUNCT
fsr-3650	9	16	the	the	DET
fsr-3650	9	17	academy	academy	NOUN
fsr-3650	9	18	of	of	ADP
fsr-3650	9	19	financial	financial	ADJ
fsr-3650	9	20	services	service	NOUN
fsr-3650	9	21	formalizes	formalize	VERB
fsr-3650	9	22	the	the	DET
fsr-3650	9	23	creation	creation	NOUN
fsr-3650	9	24	of	of	ADP
fsr-3650	9	25	a	a	DET
fsr-3650	9	26	new	new	ADJ
fsr-3650	9	27	subdiscipline	subdiscipline	NOUN
fsr-3650	9	28	of	of	ADP
fsr-3650	9	29	finance	finance	NOUN
fsr-3650	9	30	.	.	PUNCT
fsr-3650	10	1	however	however	ADV
fsr-3650	10	2	,	,	PUNCT
fsr-3650	10	3	unlike	unlike	ADP
fsr-3650	10	4	other	other	ADJ
fsr-3650	10	5	subdisciplines	subdiscipline	NOUN
fsr-3650	10	6	-	-	PUNCT
fsr-3650	10	7	such	such	ADJ
fsr-3650	10	8	as	as	ADP
fsr-3650	10	9	investments	investment	NOUN
fsr-3650	10	10	,	,	PUNCT
fsr-3650	10	11	banking	banking	NOUN
fsr-3650	10	12	,	,	PUNCT
fsr-3650	10	13	real	real	ADJ
fsr-3650	10	14	estate	estate	NOUN
fsr-3650	10	15	,	,	PUNCT
fsr-3650	10	16	and	and	CCONJ
fsr-3650	10	17	insurance	insurance	NOUN
fsr-3650	10	18	-	-	PUNCT
fsr-3650	10	19	the	the	DET
fsr-3650	10	20	scope	scope	NOUN
fsr-3650	10	21	of	of	ADP
fsr-3650	10	22	individual	individual	ADJ
fsr-3650	10	23	financial	financial	ADJ
fsr-3650	10	24	management	management	NOUN
fsr-3650	10	25	focuses	focus	VERB
fsr-3650	10	26	not	not	PART
fsr-3650	10	27	on	on	ADP
fsr-3650	10	28	instruments	instrument	NOUN
fsr-3650	10	29	and	and	CCONJ
fsr-3650	10	30	institutions	institution	NOUN
fsr-3650	10	31	but	but	CCONJ
fsr-3650	10	32	on	on	ADP
fsr-3650	10	33	the	the	DET
fsr-3650	10	34	application	application	NOUN
fsr-3650	10	35	and	and	CCONJ
fsr-3650	10	36	effect	effect	NOUN
fsr-3650	10	37	of	of	ADP
fsr-3650	10	38	all	all	DET
fsr-3650	10	39	aspects	aspect	NOUN
fsr-3650	10	40	of	of	ADP
fsr-3650	10	41	finance	finance	NOUN
fsr-3650	10	42	on	on	ADP
fsr-3650	10	43	the	the	DET
fsr-3650	10	44	individual	individual	NOUN
fsr-3650	10	45	.	.	PUNCT
fsr-3650	11	1	the	the	DET
fsr-3650	11	2	“	"	PUNCT
fsr-3650	11	3	pluralism	pluralism	NOUN
fsr-3650	11	4	”	"	PUNCT
fsr-3650	11	5	described	describe	VERB
fsr-3650	11	6	by	by	ADP
fsr-3650	11	7	professor	professor	NOUN
fsr-3650	11	8	markowitz	markowitz	PROPN
fsr-3650	11	9	encompasses	encompass	VERB
fsr-3650	11	10	both	both	DET
fsr-3650	11	11	theoretical	theoretical	ADJ
fsr-3650	11	12	and	and	CCONJ
fsr-3650	11	13	empirical	empirical	ADJ
fsr-3650	11	14	studies	study	NOUN
fsr-3650	11	15	which	which	PRON
fsr-3650	11	16	seek	seek	VERB
fsr-3650	11	17	to	to	PART
fsr-3650	11	18	explain	explain	VERB
fsr-3650	11	19	individual	individual	ADJ
fsr-3650	11	20	financial	financial	ADJ
fsr-3650	11	21	behavior	behavior	NOUN
fsr-3650	11	22	and	and	CCONJ
fsr-3650	11	23	present	present	ADJ
fsr-3650	11	24	ways	way	NOUN
fsr-3650	11	25	in	in	ADP
fsr-3650	11	26	which	which	PRON
fsr-3650	11	27	the	the	DET
fsr-3650	11	28	welfare	welfare	NOUN
fsr-3650	11	29	of	of	ADP
fsr-3650	11	30	families	family	NOUN
fsr-3650	11	31	and	and	CCONJ
fsr-3650	11	32	individuals	individual	NOUN
fsr-3650	11	33	may	may	AUX
fsr-3650	11	34	be	be	AUX
fsr-3650	11	35	improved	improve	VERB
fsr-3650	11	36	.	.	PUNCT
fsr-3650	12	1	this	this	DET
fsr-3650	12	2	inaugural	inaugural	ADJ
fsr-3650	12	3	issue	issue	NOUN
fsr-3650	12	4	reflects	reflect	VERB
fsr-3650	12	5	the	the	DET
fsr-3650	12	6	pluralistic	pluralistic	ADJ
fsr-3650	12	7	approach	approach	NOUN
fsr-3650	12	8	of	of	ADP
fsr-3650	12	9	both	both	CCONJ
fsr-3650	12	10	the	the	DET
fsr-3650	12	11	journal	journal	NOUN
fsr-3650	12	12	and	and	CCONJ
fsr-3650	12	13	the	the	DET
fsr-3650	12	14	new	new	ADJ
fsr-3650	12	15	field	field	NOUN
fsr-3650	12	16	,	,	PUNCT
fsr-3650	12	17	and	and	CCONJ
fsr-3650	12	18	serves	serve	VERB
fsr-3650	12	19	as	as	ADP
fsr-3650	12	20	a	a	DET
fsr-3650	12	21	model	model	NOUN
fsr-3650	12	22	for	for	ADP
fsr-3650	12	23	subsequent	subsequent	ADJ
fsr-3650	12	24	issues	issue	NOUN
fsr-3650	12	25	.	.	PUNCT
fsr-3650	13	1	the	the	DET
fsr-3650	13	2	second	second	ADJ
fsr-3650	13	3	article	article	NOUN
fsr-3650	13	4	,	,	PUNCT
fsr-3650	13	5	by	by	ADP
fsr-3650	13	6	professors	professor	NOUN
fsr-3650	13	7	tom	tom	PROPN
fsr-3650	13	8	potts	potts	PROPN
fsr-3650	13	9	and	and	CCONJ
fsr-3650	13	10	william	william	PROPN
fsr-3650	13	11	reichenstein	reichenstein	PROPN
fsr-3650	13	12	,	,	PUNCT
fsr-3650	13	13	asks	ask	VERB
fsr-3650	13	14	the	the	DET
fsr-3650	13	15	rather	rather	ADV
fsr-3650	13	16	practical	practical	ADJ
fsr-3650	13	17	question	question	NOUN
fsr-3650	13	18	whether	whether	SCONJ
fsr-3650	13	19	it	it	PRON
fsr-3650	13	20	is	be	AUX
fsr-3650	13	21	better	well	ADJ
fsr-3650	13	22	to	to	PART
fsr-3650	13	23	tax	tax	VERB
fsr-3650	13	24	shelter	shelter	NOUN
fsr-3650	13	25	assets	asset	NOUN
fsr-3650	13	26	designated	designate	VERB
fsr-3650	13	27	for	for	ADP
fsr-3650	13	28	retirement	retirement	NOUN
fsr-3650	13	29	in	in	ADP
fsr-3650	13	30	a	a	DET
fsr-3650	13	31	pension	pension	NOUN
fsr-3650	13	32	account	account	NOUN
fsr-3650	13	33	or	or	CCONJ
fsr-3650	13	34	maintain	maintain	VERB
fsr-3650	13	35	them	they	PRON
fsr-3650	13	36	outside	outside	ADP
fsr-3650	13	37	of	of	ADP
fsr-3650	13	38	such	such	DET
fsr-3650	13	39	a	a	DET
fsr-3650	13	40	shelter	shelter	NOUN
fsr-3650	13	41	.	.	PUNCT
fsr-3650	14	1	surprisingly	surprisingly	ADV
fsr-3650	14	2	,	,	PUNCT
fsr-3650	14	3	the	the	DET
fsr-3650	14	4	answer	answer	NOUN
fsr-3650	14	5	depends	depend	VERB
fsr-3650	14	6	on	on	ADP
fsr-3650	14	7	whether	whether	SCONJ
fsr-3650	14	8	the	the	DET
fsr-3650	14	9	owner	owner	NOUN
fsr-3650	14	10	of	of	ADP
fsr-3650	14	11	those	those	DET
fsr-3650	14	12	assets	asset	NOUN
fsr-3650	14	13	intends	intend	VERB
fsr-3650	14	14	to	to	PART
fsr-3650	14	15	manage	manage	VERB
fsr-3650	14	16	the	the	DET
fsr-3650	14	17	nonpension	nonpension	NOUN
fsr-3650	14	18	portion	portion	NOUN
fsr-3650	14	19	actively	actively	ADV
fsr-3650	14	20	or	or	CCONJ
fsr-3650	14	21	passively	passively	ADV
fsr-3650	14	22	.	.	PUNCT
fsr-3650	15	1	y	y	PROPN
fsr-3650	15	2	vi	vi	PROPN
fsr-3650	15	3	financial	financial	PROPN
fsr-3650	15	4	services	service	NOUN
fsr-3650	15	5	review	review	NOUN
fsr-3650	15	6	,	,	PUNCT
fsr-3650	15	7	l(1	l(1	PROPN
fsr-3650	15	8	)	)	PUNCT
fsr-3650	15	9	1991	1991	NUM
fsr-3650	15	10	a	a	DET
fsr-3650	15	11	somewhat	somewhat	ADV
fsr-3650	15	12	related	related	ADJ
fsr-3650	15	13	issue	issue	NOUN
fsr-3650	15	14	is	be	AUX
fsr-3650	15	15	considered	consider	VERB
fsr-3650	15	16	empirically	empirically	ADV
fsr-3650	15	17	in	in	ADP
fsr-3650	15	18	the	the	DET
fsr-3650	15	19	next	next	ADJ
fsr-3650	15	20	article	article	NOUN
fsr-3650	15	21	,	,	PUNCT
fsr-3650	15	22	by	by	ADP
fsr-3650	15	23	professors	professor	NOUN
fsr-3650	15	24	robert	robert	PROPN
fsr-3650	15	25	kleiman	kleiman	PROPN
fsr-3650	15	26	and	and	CCONJ
fsr-3650	15	27	anandi	anandi	PROPN
fsr-3650	15	28	sahu	sahu	PROPN
fsr-3650	15	29	,	,	PUNCT
fsr-3650	15	30	in	in	ADP
fsr-3650	15	31	which	which	PRON
fsr-3650	15	32	they	they	PRON
fsr-3650	15	33	ask	ask	VERB
fsr-3650	15	34	whether	whether	SCONJ
fsr-3650	15	35	individual	individual	ADJ
fsr-3650	15	36	investors	investor	NOUN
fsr-3650	15	37	are	be	AUX
fsr-3650	15	38	better	well	ADJ
fsr-3650	15	39	off	off	ADP
fsr-3650	15	40	putting	put	VERB
fsr-3650	15	41	their	their	PRON
fsr-3650	15	42	funds	fund	NOUN
fsr-3650	15	43	in	in	ADP
fsr-3650	15	44	equity	equity	NOUN
fsr-3650	15	45	portfolios	portfolio	NOUN
fsr-3650	15	46	of	of	ADP
fsr-3650	15	47	life	life	NOUN
fsr-3650	15	48	insurance	insurance	NOUN
fsr-3650	15	49	companies	company	NOUN
fsr-3650	15	50	or	or	CCONJ
fsr-3650	15	51	in	in	ADP
fsr-3650	15	52	mutual	mutual	ADJ
fsr-3650	15	53	funds	fund	NOUN
fsr-3650	15	54	,	,	PUNCT
fsr-3650	15	55	and	and	CCONJ
fsr-3650	15	56	conclude	conclude	VERB
fsr-3650	15	57	that	that	SCONJ
fsr-3650	15	58	there	there	PRON
fsr-3650	15	59	is	be	VERB
fsr-3650	15	60	very	very	ADV
fsr-3650	15	61	little	little	ADJ
fsr-3650	15	62	difference	difference	NOUN
fsr-3650	15	63	in	in	ADP
fsr-3650	15	64	risk	risk	NOUN
fsr-3650	15	65	-	-	PUNCT
fsr-3650	15	66	adjusted	adjust	VERB
fsr-3650	15	67	performance	performance	NOUN
fsr-3650	15	68	.	.	PUNCT
fsr-3650	16	1	this	this	PRON
fsr-3650	16	2	implies	imply	VERB
fsr-3650	16	3	that	that	SCONJ
fsr-3650	16	4	variable	variable	ADJ
fsr-3650	16	5	annuity	annuity	NOUN
fsr-3650	16	6	contracts	contract	NOUN
fsr-3650	16	7	offered	offer	VERB
fsr-3650	16	8	by	by	ADP
fsr-3650	16	9	life	life	NOUN
fsr-3650	16	10	insurance	insurance	NOUN
fsr-3650	16	11	companies	company	NOUN
fsr-3650	16	12	may	may	AUX
fsr-3650	16	13	offer	offer	VERB
fsr-3650	16	14	an	an	DET
fsr-3650	16	15	advantage	advantage	NOUN
fsr-3650	16	16	over	over	ADP
fsr-3650	16	17	mutual	mutual	ADJ
fsr-3650	16	18	funds	fund	NOUN
fsr-3650	16	19	to	to	ADP
fsr-3650	16	20	some	some	DET
fsr-3650	16	21	investors	investor	NOUN
fsr-3650	16	22	by	by	ADP
fsr-3650	16	23	deferring	defer	VERB
fsr-3650	16	24	taxes	taxis	NOUN
fsr-3650	16	25	.	.	PUNCT
fsr-3650	17	1	the	the	DET
fsr-3650	17	2	fourth	fourth	ADJ
fsr-3650	17	3	article	article	NOUN
fsr-3650	17	4	,	,	PUNCT
fsr-3650	17	5	by	by	ADP
fsr-3650	17	6	professor	professor	PROPN
fsr-3650	17	7	neil	neil	PROPN
fsr-3650	17	8	murphy	murphy	PROPN
fsr-3650	17	9	,	,	PUNCT
fsr-3650	17	10	examines	examine	VERB
fsr-3650	17	11	household	household	NOUN
fsr-3650	17	12	financial	financial	ADJ
fsr-3650	17	13	behavior	behavior	NOUN
fsr-3650	17	14	in	in	ADP
fsr-3650	17	15	the	the	DET
fsr-3650	17	16	payments	payment	NOUN
fsr-3650	17	17	area	area	NOUN
fsr-3650	17	18	.	.	PUNCT
fsr-3650	18	1	his	his	PRON
fsr-3650	18	2	article	article	NOUN
fsr-3650	18	3	uses	use	VERB
fsr-3650	18	4	the	the	DET
fsr-3650	18	5	survey	survey	NOUN
fsr-3650	18	6	of	of	ADP
fsr-3650	18	7	currency	currency	NOUN
fsr-3650	18	8	and	and	CCONJ
fsr-3650	18	9	transaction	transaction	NOUN
fsr-3650	18	10	account	account	NOUN
fsr-3650	18	11	usage	usage	NOUN
fsr-3650	18	12	conducted	conduct	VERB
fsr-3650	18	13	by	by	ADP
fsr-3650	18	14	the	the	DET
fsr-3650	18	15	federal	federal	PROPN
fsr-3650	18	16	reserve	reserve	PROPN
fsr-3650	18	17	system	system	NOUN
fsr-3650	18	18	to	to	PART
fsr-3650	18	19	find	find	VERB
fsr-3650	18	20	out	out	ADP
fsr-3650	18	21	why	why	SCONJ
fsr-3650	18	22	increased	increase	VERB
fsr-3650	18	23	use	use	NOUN
fsr-3650	18	24	of	of	ADP
fsr-3650	18	25	automated	automate	VERB
fsr-3650	18	26	teller	teller	NOUN
fsr-3650	18	27	machines	machine	NOUN
fsr-3650	18	28	has	have	AUX
fsr-3650	18	29	not	not	PART
fsr-3650	18	30	reduced	reduce	VERB
fsr-3650	18	31	the	the	DET
fsr-3650	18	32	number	number	NOUN
fsr-3650	18	33	of	of	ADP
fsr-3650	18	34	checks	check	NOUN
fsr-3650	18	35	written	write	VERB
fsr-3650	18	36	by	by	ADP
fsr-3650	18	37	consumers	consumer	NOUN
fsr-3650	18	38	.	.	PUNCT
fsr-3650	19	1	he	he	PRON
fsr-3650	19	2	concludes	conclude	VERB
fsr-3650	19	3	that	that	SCONJ
fsr-3650	19	4	checks	check	NOUN
fsr-3650	19	5	are	be	AUX
fsr-3650	19	6	written	write	VERB
fsr-3650	19	7	for	for	ADP
fsr-3650	19	8	necessary	necessary	ADJ
fsr-3650	19	9	third	third	ADJ
fsr-3650	19	10	party	party	NOUN
fsr-3650	19	11	transactions	transaction	NOUN
fsr-3650	19	12	,	,	PUNCT
fsr-3650	19	13	while	while	SCONJ
fsr-3650	19	14	atms	atms	PROPN
fsr-3650	19	15	are	be	AUX
fsr-3650	19	16	merely	merely	ADV
fsr-3650	19	17	a	a	DET
fsr-3650	19	18	convenient	convenient	ADJ
fsr-3650	19	19	way	way	NOUN
fsr-3650	19	20	to	to	PART
fsr-3650	19	21	obtain	obtain	VERB
fsr-3650	19	22	cash	cash	NOUN
fsr-3650	19	23	from	from	ADP
fsr-3650	19	24	one	one	NUM
fsr-3650	19	25	’s	’s	PART
fsr-3650	19	26	bank	bank	NOUN
fsr-3650	19	27	.	.	PUNCT
fsr-3650	20	1	therefore	therefore	ADV
fsr-3650	20	2	,	,	PUNCT
fsr-3650	20	3	the	the	DET
fsr-3650	20	4	only	only	ADJ
fsr-3650	20	5	effective	effective	ADJ
fsr-3650	20	6	method	method	NOUN
fsr-3650	20	7	of	of	ADP
fsr-3650	20	8	reducing	reduce	VERB
fsr-3650	20	9	the	the	DET
fsr-3650	20	10	number	number	NOUN
fsr-3650	20	11	of	of	ADP
fsr-3650	20	12	checks	check	NOUN
fsr-3650	20	13	written	write	VERB
fsr-3650	20	14	by	by	ADP
fsr-3650	20	15	consumers	consumer	NOUN
fsr-3650	20	16	is	be	AUX
fsr-3650	20	17	the	the	DET
fsr-3650	20	18	imposition	imposition	NOUN
fsr-3650	20	19	of	of	ADP
fsr-3650	20	20	a	a	DET
fsr-3650	20	21	marginal	marginal	ADJ
fsr-3650	20	22	cost	cost	NOUN
fsr-3650	20	23	for	for	ADP
fsr-3650	20	24	each	each	DET
fsr-3650	20	25	check	check	NOUN
fsr-3650	20	26	written	write	VERB
fsr-3650	20	27	.	.	PUNCT
fsr-3650	21	1	next	next	ADV
fsr-3650	21	2	,	,	PUNCT
fsr-3650	21	3	professor	professor	NOUN
fsr-3650	21	4	peter	peter	PROPN
fsr-3650	21	5	chinloy	chinloy	PROPN
fsr-3650	21	6	examines	examine	VERB
fsr-3650	21	7	the	the	DET
fsr-3650	21	8	extent	extent	NOUN
fsr-3650	21	9	to	to	PART
fsr-3650	21	10	which	which	PRON
fsr-3650	21	11	real	real	ADJ
fsr-3650	21	12	estate	estate	NOUN
fsr-3650	21	13	income	income	NOUN
fsr-3650	21	14	influences	influence	VERB
fsr-3650	21	15	the	the	DET
fsr-3650	21	16	location	location	NOUN
fsr-3650	21	17	decisions	decision	NOUN
fsr-3650	21	18	of	of	ADP
fsr-3650	21	19	individuals	individual	NOUN
fsr-3650	21	20	.	.	PUNCT
fsr-3650	22	1	since	since	SCONJ
fsr-3650	22	2	real	real	ADJ
fsr-3650	22	3	estate	estate	NOUN
fsr-3650	22	4	constitutes	constitute	VERB
fsr-3650	22	5	more	more	ADJ
fsr-3650	22	6	than	than	ADP
fsr-3650	22	7	50	50	NUM
fsr-3650	22	8	%	%	NOUN
fsr-3650	22	9	of	of	ADP
fsr-3650	22	10	the	the	DET
fsr-3650	22	11	personal	personal	ADJ
fsr-3650	22	12	(	(	PUNCT
fsr-3650	22	13	non	non	ADJ
fsr-3650	22	14	-	-	ADJ
fsr-3650	22	15	human	human	ADJ
fsr-3650	22	16	)	)	PUNCT
fsr-3650	22	17	wealth	wealth	NOUN
fsr-3650	22	18	of	of	ADP
fsr-3650	22	19	americans	americans	PROPN
fsr-3650	22	20	and	and	CCONJ
fsr-3650	22	21	since	since	ADV
fsr-3650	22	22	,	,	PUNCT
fsr-3650	22	23	as	as	SCONJ
fsr-3650	22	24	professor	professor	PROPN
fsr-3650	22	25	markowitz	markowitz	PROPN
fsr-3650	22	26	points	point	VERB
fsr-3650	22	27	out	out	ADP
fsr-3650	22	28	(	(	PUNCT
fsr-3650	22	29	above	above	ADV
fsr-3650	22	30	)	)	PUNCT
fsr-3650	22	31	,	,	PUNCT
fsr-3650	22	32	it	it	PRON
fsr-3650	22	33	is	be	AUX
fsr-3650	22	34	rather	rather	ADV
fsr-3650	22	35	illiquid	illiquid	ADJ
fsr-3650	22	36	,	,	PUNCT
fsr-3650	22	37	expected	expect	VERB
fsr-3650	22	38	returns	return	NOUN
fsr-3650	22	39	to	to	ADP
fsr-3650	22	40	the	the	DET
fsr-3650	22	41	real	real	ADJ
fsr-3650	22	42	estate	estate	NOUN
fsr-3650	22	43	component	component	NOUN
fsr-3650	22	44	of	of	ADP
fsr-3650	22	45	the	the	DET
fsr-3650	22	46	portfolio	portfolio	NOUN
fsr-3650	22	47	should	should	AUX
fsr-3650	22	48	be	be	AUX
fsr-3650	22	49	an	an	DET
fsr-3650	22	50	important	important	ADJ
fsr-3650	22	51	component	component	NOUN
fsr-3650	22	52	of	of	ADP
fsr-3650	22	53	job	job	NOUN
fsr-3650	22	54	relocation	relocation	NOUN
fsr-3650	22	55	decisions	decision	NOUN
fsr-3650	22	56	.	.	PUNCT
fsr-3650	23	1	his	his	PRON
fsr-3650	23	2	empirical	empirical	ADJ
fsr-3650	23	3	results	result	NOUN
fsr-3650	23	4	support	support	VERB
fsr-3650	23	5	this	this	DET
fsr-3650	23	6	assertion	assertion	NOUN
fsr-3650	23	7	.	.	PUNCT
fsr-3650	24	1	the	the	DET
fsr-3650	24	2	last	last	ADJ
fsr-3650	24	3	article	article	NOUN
fsr-3650	24	4	is	be	AUX
fsr-3650	24	5	a	a	DET
fsr-3650	24	6	review	review	NOUN
fsr-3650	24	7	piece	piece	NOUN
fsr-3650	24	8	by	by	ADP
fsr-3650	24	9	professor	professor	PROPN
fsr-3650	24	10	larry	larry	PROPN
fsr-3650	24	11	cox	cox	PROPN
fsr-3650	24	12	that	that	PRON
fsr-3650	24	13	raises	raise	VERB
fsr-3650	24	14	some	some	DET
fsr-3650	24	15	major	major	ADJ
fsr-3650	24	16	questions	question	NOUN
fsr-3650	24	17	relating	relate	VERB
fsr-3650	24	18	to	to	ADP
fsr-3650	24	19	disability	disability	NOUN
fsr-3650	24	20	insurance	insurance	NOUN
fsr-3650	24	21	and	and	CCONJ
fsr-3650	24	22	assesses	assess	VERB
fsr-3650	24	23	the	the	DET
fsr-3650	24	24	adequacy	adequacy	NOUN
fsr-3650	24	25	with	with	ADP
fsr-3650	24	26	which	which	PRON
fsr-3650	24	27	each	each	PRON
fsr-3650	24	28	is	be	AUX
fsr-3650	24	29	addressed	address	VERB
fsr-3650	24	30	.	.	PUNCT
fsr-3650	25	1	as	as	SCONJ
fsr-3650	25	2	we	we	PRON
fsr-3650	25	3	develop	develop	VERB
fsr-3650	25	4	the	the	DET
fsr-3650	25	5	field	field	NOUN
fsr-3650	25	6	of	of	ADP
fsr-3650	25	7	individual	individual	ADJ
fsr-3650	25	8	financial	financial	ADJ
fsr-3650	25	9	management	management	NOUN
fsr-3650	25	10	,	,	PUNCT
fsr-3650	25	11	it	it	PRON
fsr-3650	25	12	is	be	AUX
fsr-3650	25	13	important	important	ADJ
fsr-3650	25	14	to	to	PART
fsr-3650	25	15	review	review	VERB
fsr-3650	25	16	what	what	PRON
fsr-3650	25	17	has	have	AUX
fsr-3650	25	18	already	already	ADV
fsr-3650	25	19	been	be	AUX
fsr-3650	25	20	done	do	VERB
fsr-3650	25	21	and	and	CCONJ
fsr-3650	25	22	what	what	PRON
fsr-3650	25	23	still	still	ADV
fsr-3650	25	24	needs	need	VERB
fsr-3650	25	25	to	to	PART
fsr-3650	25	26	be	be	AUX
fsr-3650	25	27	done	do	VERB
fsr-3650	25	28	.	.	PUNCT
fsr-3650	26	1	for	for	ADP
fsr-3650	26	2	that	that	DET
fsr-3650	26	3	reason	reason	NOUN
fsr-3650	26	4	,	,	PUNCT
fsr-3650	26	5	we	we	PRON
fsr-3650	26	6	plan	plan	VERB
fsr-3650	26	7	to	to	PART
fsr-3650	26	8	run	run	VERB
fsr-3650	26	9	a	a	DET
fsr-3650	26	10	detailed	detailed	ADJ
fsr-3650	26	11	review	review	NOUN
fsr-3650	26	12	article	article	NOUN
fsr-3650	26	13	as	as	ADP
fsr-3650	26	14	a	a	DET
fsr-3650	26	15	regular	regular	ADJ
fsr-3650	26	16	feature	feature	NOUN
fsr-3650	26	17	,	,	PUNCT
fsr-3650	26	18	and	and	CCONJ
fsr-3650	26	19	encourage	encourage	VERB
fsr-3650	26	20	scholars	scholar	NOUN
fsr-3650	26	21	to	to	PART
fsr-3650	26	22	contact	contact	VERB
fsr-3650	26	23	us	we	PRON
fsr-3650	26	24	with	with	ADP
fsr-3650	26	25	subjects	subject	NOUN
fsr-3650	26	26	.	.	PUNCT
fsr-3650	27	1	given	give	VERB
fsr-3650	27	2	the	the	DET
fsr-3650	27	3	diverse	diverse	ADJ
fsr-3650	27	4	nature	nature	NOUN
fsr-3650	27	5	of	of	ADP
fsr-3650	27	6	the	the	DET
fsr-3650	27	7	fields	field	NOUN
fsr-3650	27	8	which	which	PRON
fsr-3650	27	9	constitute	constitute	VERB
fsr-3650	27	10	individual	individual	ADJ
fsr-3650	27	11	financial	financial	ADJ
fsr-3650	27	12	management	management	NOUN
fsr-3650	27	13	,	,	PUNCT
fsr-3650	27	14	it	it	PRON
fsr-3650	27	15	is	be	AUX
fsr-3650	27	16	difficult	difficult	ADJ
fsr-3650	27	17	to	to	PART
fsr-3650	27	18	stay	stay	VERB
fsr-3650	27	19	abreast	abreast	ADV
fsr-3650	27	20	of	of	ADP
fsr-3650	27	21	developments	development	NOUN
fsr-3650	27	22	which	which	PRON
fsr-3650	27	23	might	might	AUX
fsr-3650	27	24	affect	affect	VERB
fsr-3650	27	25	it	it	PRON
fsr-3650	27	26	.	.	PUNCT
fsr-3650	28	1	to	to	PART
fsr-3650	28	2	help	help	VERB
fsr-3650	28	3	readers	reader	NOUN
fsr-3650	28	4	with	with	ADP
fsr-3650	28	5	this	this	DET
fsr-3650	28	6	problem	problem	NOUN
fsr-3650	28	7	,	,	PUNCT
fsr-3650	28	8	our	our	PRON
fsr-3650	28	9	review	review	NOUN
fsr-3650	28	10	editor	editor	NOUN
fsr-3650	28	11	,	,	PUNCT
fsr-3650	28	12	professor	professor	NOUN
fsr-3650	28	13	phyllis	phyllis	PROPN
fsr-3650	28	14	myers	myers	PROPN
fsr-3650	28	15	,	,	PUNCT
fsr-3650	28	16	presents	present	VERB
fsr-3650	28	17	abstracts	abstract	NOUN
fsr-3650	28	18	of	of	ADP
fsr-3650	28	19	articles	article	NOUN
fsr-3650	28	20	relating	relate	VERB
fsr-3650	28	21	to	to	ADP
fsr-3650	28	22	individual	individual	ADJ
fsr-3650	28	23	financial	financial	ADJ
fsr-3650	28	24	management	management	NOUN
fsr-3650	28	25	that	that	PRON
fsr-3650	28	26	have	have	AUX
fsr-3650	28	27	appeared	appear	VERB
fsr-3650	28	28	in	in	ADP
fsr-3650	28	29	other	other	ADJ
fsr-3650	28	30	journals	journal	NOUN
fsr-3650	28	31	.	.	PUNCT
fsr-3650	29	1	this	this	PRON
fsr-3650	29	2	,	,	PUNCT
fsr-3650	29	3	also	also	ADV
fsr-3650	29	4	,	,	PUNCT
fsr-3650	29	5	will	will	AUX
fsr-3650	29	6	be	be	AUX
fsr-3650	29	7	a	a	DET
fsr-3650	29	8	regular	regular	ADJ
fsr-3650	29	9	,	,	PUNCT
fsr-3650	29	10	ongoing	ongoing	ADJ
fsr-3650	29	11	feature	feature	NOUN
fsr-3650	29	12	of	of	ADP
fsr-3650	29	13	the	the	DET
fsr-3650	29	14	financial	financial	ADJ
fsr-3650	29	15	services	service	NOUN
fsr-3650	29	16	review	review	NOUN
fsr-3650	29	17	.	.	PUNCT
fsr-3650	30	1	-lewis	-lewis	PROPN
fsr-3650	30	2	mandell	mandell	NOUN