id	sid	tid	token	lemma	pos
fsr-3654	1	1	pii	pii	PROPN
fsr-3654	1	2	:	:	PUNCT
fsr-3654	1	3	1057	1057	NUM
fsr-3654	1	4	-	-	SYM
fsr-3654	1	5	0810(91)90006	0810(91)90006	NUM
fsr-3654	1	6	-	-	ADJ
fsr-3654	1	7	k	k	ADJ
fsr-3654	1	8	financial	financial	PROPN
fsr-3654	1	9	services	services	PROPN
fsr-3654	1	10	review	review	PROPN
fsr-3654	1	11	,	,	PUNCT
fsr-3654	1	12	1(1):354	1(1):354	NUM
fsr-3654	1	13	!	!	PUNCT
fsr-3654	2	1	copyright	copyright	NOUN
fsr-3654	2	2	0	0	NUM
fsr-3654	2	3	1991	1991	NUM
fsr-3654	2	4	by	by	ADP
fsr-3654	2	5	jai	jai	PROPN
fsr-3654	2	6	press	press	PROPN
fsr-3654	2	7	inc	inc	PROPN
fsr-3654	2	8	.	.	PROPN
fsr-3654	2	9	issn	issn	PROPN
fsr-3654	2	10	:	:	PUNCT
fsr-3654	2	11	1057	1057	NUM
fsr-3654	2	12	-	-	SYM
fsr-3654	2	13	0810	0810	NUM
fsr-3654	2	14	all	all	DET
fsr-3654	2	15	rights	right	NOUN
fsr-3654	2	16	of	of	ADP
fsr-3654	2	17	reproduction	reproduction	NOUN
fsr-3654	2	18	in	in	ADP
fsr-3654	2	19	any	any	DET
fsr-3654	2	20	form	form	NOUN
fsr-3654	2	21	reserved	reserve	VERB
fsr-3654	2	22	.	.	PUNCT
fsr-3654	3	1	determinants	determinant	NOUN
fsr-3654	3	2	of	of	ADP
fsr-3654	3	3	household	household	NOUN
fsr-3654	3	4	check	check	NOUN
fsr-3654	3	5	writing	writing	NOUN
fsr-3654	3	6	:	:	PUNCT
fsr-3654	3	7	the	the	DET
fsr-3654	3	8	impacts	impact	NOUN
fsr-3654	3	9	of	of	ADP
fsr-3654	3	10	the	the	DET
fsr-3654	3	11	use	use	NOUN
fsr-3654	3	12	of	of	ADP
fsr-3654	3	13	electronic	electronic	ADJ
fsr-3654	3	14	banking	banking	NOUN
fsr-3654	3	15	services	service	NOUN
fsr-3654	3	16	and	and	CCONJ
fsr-3654	3	17	alternative	alternative	ADJ
fsr-3654	3	18	pricing	pricing	NOUN
fsr-3654	3	19	of	of	ADP
fsr-3654	3	20	services	services	PROPN
fsr-3654	3	21	neil	neil	PROPN
fsr-3654	3	22	b.	b.	PROPN
fsr-3654	3	23	murphy	murphy	PROPN
fsr-3654	3	24	in	in	ADP
fsr-3654	3	25	recent	recent	ADJ
fsr-3654	3	26	years	year	NOUN
fsr-3654	3	27	,	,	PUNCT
fsr-3654	3	28	there	there	PRON
fsr-3654	3	29	has	have	AUX
fsr-3654	3	30	been	be	AUX
fsr-3654	3	31	a	a	DET
fsr-3654	3	32	simultaneous	simultaneous	ADJ
fsr-3654	3	33	deregulation	deregulation	NOUN
fsr-3654	3	34	of	of	ADP
fsr-3654	3	35	interest	interest	NOUN
fsr-3654	3	36	ceilings	ceiling	NOUN
fsr-3654	3	37	on	on	ADP
fsr-3654	3	38	household	household	NOUN
fsr-3654	3	39	deposits	deposit	NOUN
fsr-3654	3	40	and	and	CCONJ
fsr-3654	3	41	a	a	DET
fsr-3654	3	42	dramatic	dramatic	ADJ
fsr-3654	3	43	deployment	deployment	NOUN
fsr-3654	3	44	of	of	ADP
fsr-3654	3	45	automatic	automatic	ADJ
fsr-3654	3	46	teller	teller	NOUN
fsr-3654	3	47	machines	machine	NOUN
fsr-3654	3	48	(	(	PUNCT
fsr-3654	3	49	atm	atm	PROPN
fsr-3654	3	50	)	)	PUNCT
fsr-3654	3	51	by	by	ADP
fsr-3654	3	52	the	the	DET
fsr-3654	3	53	banking	banking	NOUN
fsr-3654	3	54	industry	industry	NOUN
fsr-3654	3	55	.	.	PUNCT
fsr-3654	4	1	at	at	ADP
fsr-3654	4	2	one	one	NUM
fsr-3654	4	3	time	time	NOUN
fsr-3654	4	4	,	,	PUNCT
fsr-3654	4	5	there	there	PRON
fsr-3654	4	6	was	be	VERB
fsr-3654	4	7	a	a	DET
fsr-3654	4	8	belief	belief	NOUN
fsr-3654	4	9	that	that	SCONJ
fsr-3654	4	10	the	the	DET
fsr-3654	4	11	u.s	u.s	PROPN
fsr-3654	4	12	.	.	PROPN
fsr-3654	4	13	would	would	AUX
fsr-3654	4	14	evolve	evolve	VERB
fsr-3654	4	15	into	into	ADP
fsr-3654	4	16	a	a	DET
fsr-3654	4	17	“	"	PUNCT
fsr-3654	4	18	checkless	checkless	NOUN
fsr-3654	4	19	society	society	NOUN
fsr-3654	4	20	”	"	PUNCT
fsr-3654	4	21	because	because	SCONJ
fsr-3654	4	22	of	of	ADP
fsr-3654	4	23	the	the	DET
fsr-3654	4	24	development	development	NOUN
fsr-3654	4	25	of	of	ADP
fsr-3654	4	26	electronic	electronic	ADJ
fsr-3654	4	27	funds	fund	NOUN
fsr-3654	4	28	transfer	transfer	NOUN
fsr-3654	4	29	systems	system	NOUN
fsr-3654	4	30	such	such	ADJ
fsr-3654	4	31	as	as	ADP
fsr-3654	4	32	the	the	DET
fsr-3654	4	33	atm	atm	NOUN
fsr-3654	4	34	.	.	PUNCT
fsr-3654	5	1	that	that	PRON
fsr-3654	5	2	has	have	AUX
fsr-3654	5	3	clearly	clearly	ADV
fsr-3654	5	4	not	not	PART
fsr-3654	5	5	happened	happen	VERB
fsr-3654	5	6	.	.	PUNCT
fsr-3654	6	1	the	the	DET
fsr-3654	6	2	purpose	purpose	NOUN
fsr-3654	6	3	of	of	ADP
fsr-3654	6	4	this	this	DET
fsr-3654	6	5	paper	paper	NOUN
fsr-3654	6	6	is	be	AUX
fsr-3654	6	7	to	to	PART
fsr-3654	6	8	estimate	estimate	VERB
fsr-3654	6	9	the	the	DET
fsr-3654	6	10	impacts	impact	NOUN
fsr-3654	6	11	of	of	ADP
fsr-3654	6	12	both	both	CCONJ
fsr-3654	6	13	the	the	DET
fsr-3654	6	14	use	use	NOUN
fsr-3654	6	15	of	of	ADP
fsr-3654	6	16	a	a	DET
fsr-3654	6	17	tm	tm	NOUN
fsr-3654	6	18	and	and	CCONJ
fsr-3654	6	19	the	the	DET
fsr-3654	6	20	change	change	NOUN
fsr-3654	6	21	in	in	ADP
fsr-3654	6	22	pricing	pricing	NOUN
fsr-3654	6	23	due	due	ADP
fsr-3654	6	24	to	to	ADP
fsr-3654	6	25	deregulation	deregulation	NOUN
fsr-3654	6	26	on	on	ADP
fsr-3654	6	27	household	household	NOUN
fsr-3654	6	28	check	check	NOUN
fsr-3654	6	29	writing	writing	NOUN
fsr-3654	6	30	.	.	PUNCT
fsr-3654	7	1	the	the	DET
fsr-3654	7	2	source	source	NOUN
fsr-3654	7	3	of	of	ADP
fsr-3654	7	4	the	the	DET
fsr-3654	7	5	data	data	NOUN
fsr-3654	7	6	is	be	AUX
fsr-3654	7	7	a	a	DET
fsr-3654	7	8	survey	survey	NOUN
fsr-3654	7	9	of	of	ADP
fsr-3654	7	10	households	household	NOUN
fsr-3654	7	11	conducted	conduct	VERB
fsr-3654	7	12	by	by	ADP
fsr-3654	7	13	the	the	DET
fsr-3654	7	14	board	board	NOUN
fsr-3654	7	15	of	of	ADP
fsr-3654	7	16	governors	governor	NOUN
fsr-3654	7	17	of	of	ADP
fsr-3654	7	18	the	the	DET
fsr-3654	7	19	federal	federal	PROPN
fsr-3654	7	20	reserve	reserve	PROPN
fsr-3654	7	21	system	system	NOUN
fsr-3654	7	22	.	.	PUNCT
fsr-3654	8	1	the	the	DET
fsr-3654	8	2	results	result	NOUN
fsr-3654	8	3	of	of	ADP
fsr-3654	8	4	the	the	DET
fsr-3654	8	5	tests	test	NOUN
fsr-3654	8	6	indicate	indicate	VERB
fsr-3654	8	7	that	that	SCONJ
fsr-3654	8	8	use	use	NOUN
fsr-3654	8	9	of	of	ADP
fsr-3654	8	10	electronic	electronic	ADJ
fsr-3654	8	11	banking	banking	NOUN
fsr-3654	8	12	services	service	NOUN
fsr-3654	8	13	had	have	VERB
fsr-3654	8	14	no	no	DET
fsr-3654	8	15	discernible	discernible	ADJ
fsr-3654	8	16	impact	impact	NOUN
fsr-3654	8	17	on	on	ADP
fsr-3654	8	18	check	check	NOUN
fsr-3654	8	19	writing	writing	NOUN
fsr-3654	8	20	while	while	SCONJ
fsr-3654	8	21	different	different	ADJ
fsr-3654	8	22	methods	method	NOUN
fsr-3654	8	23	of	of	ADP
fsr-3654	8	24	pricing	pricing	NOUN
fsr-3654	8	25	checking	check	VERB
fsr-3654	8	26	account	account	NOUN
fsr-3654	8	27	services	service	NOUN
fsr-3654	8	28	did	do	AUX
fsr-3654	8	29	have	have	VERB
fsr-3654	8	30	a	a	DET
fsr-3654	8	31	substantial	substantial	ADJ
fsr-3654	8	32	impact	impact	NOUN
fsr-3654	8	33	on	on	ADP
fsr-3654	8	34	check	check	NOUN
fsr-3654	8	35	writing	writing	NOUN
fsr-3654	8	36	.	.	PUNCT
fsr-3654	9	1	it	it	PRON
fsr-3654	9	2	has	have	AUX
fsr-3654	9	3	been	be	AUX
fsr-3654	9	4	almost	almost	ADV
fsr-3654	9	5	20	20	NUM
fsr-3654	9	6	years	year	NOUN
fsr-3654	9	7	since	since	SCONJ
fsr-3654	9	8	the	the	DET
fsr-3654	9	9	prognostication	prognostication	NOUN
fsr-3654	9	10	of	of	ADP
fsr-3654	9	11	a	a	DET
fsr-3654	9	12	“	"	PUNCT
fsr-3654	9	13	checkless	checkless	NOUN
fsr-3654	9	14	society,“and	society,“and	PROPN
fsr-3654	9	15	there	there	PRON
fsr-3654	9	16	are	be	VERB
fsr-3654	9	17	still	still	ADV
fsr-3654	9	18	some	some	DET
fsr-3654	9	19	47	47	NUM
fsr-3654	9	20	billion	billion	NUM
fsr-3654	9	21	checks	check	NOUN
fsr-3654	9	22	written	write	VERB
fsr-3654	9	23	each	each	DET
fsr-3654	9	24	year	year	NOUN
fsr-3654	9	25	in	in	ADP
fsr-3654	9	26	the	the	DET
fsr-3654	9	27	united	united	PROPN
fsr-3654	9	28	states	states	PROPN
fsr-3654	9	29	.	.	PUNCT
fsr-3654	10	1	at	at	ADP
fsr-3654	10	2	the	the	DET
fsr-3654	10	3	same	same	ADJ
fsr-3654	10	4	time	time	NOUN
fsr-3654	10	5	,	,	PUNCT
fsr-3654	10	6	the	the	DET
fsr-3654	10	7	banking	banking	NOUN
fsr-3654	10	8	industry	industry	NOUN
fsr-3654	10	9	has	have	AUX
fsr-3654	10	10	deployed	deploy	VERB
fsr-3654	10	11	over	over	ADP
fsr-3654	10	12	60,000	60,000	NUM
fsr-3654	10	13	automatic	automatic	ADJ
fsr-3654	10	14	teller	teller	NOUN
fsr-3654	10	15	machines	machine	NOUN
fsr-3654	10	16	(	(	PUNCT
fsr-3654	10	17	atms	atms	PROPN
fsr-3654	10	18	)	)	PUNCT
fsr-3654	10	19	.	.	PUNCT
fsr-3654	11	1	the	the	DET
fsr-3654	11	2	purpose	purpose	NOUN
fsr-3654	11	3	of	of	ADP
fsr-3654	11	4	this	this	DET
fsr-3654	11	5	paper	paper	NOUN
fsr-3654	11	6	is	be	AUX
fsr-3654	11	7	to	to	PART
fsr-3654	11	8	estimate	estimate	VERB
fsr-3654	11	9	the	the	DET
fsr-3654	11	10	impacts	impact	NOUN
fsr-3654	11	11	of	of	ADP
fsr-3654	11	12	the	the	DET
fsr-3654	11	13	pricing	pricing	NOUN
fsr-3654	11	14	of	of	ADP
fsr-3654	11	15	checking	check	VERB
fsr-3654	11	16	account	account	NOUN
fsr-3654	11	17	services	service	NOUN
fsr-3654	11	18	and	and	CCONJ
fsr-3654	11	19	the	the	DET
fsr-3654	11	20	usage	usage	NOUN
fsr-3654	11	21	of	of	ADP
fsr-3654	11	22	electronic	electronic	ADJ
fsr-3654	11	23	banking	banking	NOUN
fsr-3654	11	24	devices	device	NOUN
fsr-3654	11	25	on	on	ADP
fsr-3654	11	26	the	the	DET
fsr-3654	11	27	number	number	NOUN
fsr-3654	11	28	of	of	ADP
fsr-3654	11	29	checks	check	NOUN
fsr-3654	11	30	written	write	VERB
fsr-3654	11	31	by	by	ADP
fsr-3654	11	32	households	household	NOUN
fsr-3654	11	33	in	in	ADP
fsr-3654	11	34	the	the	DET
fsr-3654	11	35	united	united	PROPN
fsr-3654	11	36	states	states	PROPN
fsr-3654	11	37	.	.	PUNCT
fsr-3654	12	1	in	in	ADP
fsr-3654	12	2	a	a	DET
fsr-3654	12	3	recent	recent	ADJ
fsr-3654	12	4	paper	paper	NOUN
fsr-3654	12	5	,	,	PUNCT
fsr-3654	12	6	humphrey	humphrey	PROPN
fsr-3654	12	7	and	and	CCONJ
fsr-3654	12	8	berger	berger	PROPN
fsr-3654	12	9	indicate	indicate	VERB
fsr-3654	12	10	that	that	SCONJ
fsr-3654	12	11	the	the	DET
fsr-3654	12	12	lack	lack	NOUN
fsr-3654	12	13	of	of	ADP
fsr-3654	12	14	response	response	NOUN
fsr-3654	12	15	on	on	ADP
fsr-3654	12	16	the	the	DET
fsr-3654	12	17	part	part	NOUN
fsr-3654	12	18	of	of	ADP
fsr-3654	12	19	payment	payment	NOUN
fsr-3654	12	20	system	system	NOUN
fsr-3654	12	21	users	user	NOUN
fsr-3654	12	22	is	be	AUX
fsr-3654	12	23	largely	largely	ADV
fsr-3654	12	24	due	due	ADJ
fsr-3654	12	25	to	to	ADP
fsr-3654	12	26	a	a	DET
fsr-3654	12	27	divergence	divergence	NOUN
fsr-3654	12	28	between	between	ADP
fsr-3654	12	29	the	the	DET
fsr-3654	12	30	social	social	ADJ
fsr-3654	12	31	and	and	CCONJ
fsr-3654	12	32	private	private	ADJ
fsr-3654	12	33	costs	cost	NOUN
fsr-3654	12	34	of	of	ADP
fsr-3654	12	35	alternative	alternative	ADJ
fsr-3654	12	36	payments	payment	NOUN
fsr-3654	12	37	media	medium	NOUN
fsr-3654	12	38	(	(	PUNCT
fsr-3654	12	39	humphrey	humphrey	PROPN
fsr-3654	12	40	and	and	CCONJ
fsr-3654	12	41	berger	berger	PROPN
fsr-3654	12	42	,	,	PUNCT
fsr-3654	12	43	1988	1988	NUM
fsr-3654	12	44	)	)	PUNCT
fsr-3654	12	45	.	.	PUNCT
fsr-3654	13	1	specifically	specifically	ADV
fsr-3654	13	2	,	,	PUNCT
fsr-3654	13	3	the	the	DET
fsr-3654	13	4	users	user	NOUN
fsr-3654	13	5	of	of	ADP
fsr-3654	13	6	checks	check	NOUN
fsr-3654	13	7	do	do	AUX
fsr-3654	13	8	not	not	PART
fsr-3654	13	9	bear	bear	VERB
fsr-3654	13	10	the	the	DET
fsr-3654	13	11	full	full	ADJ
fsr-3654	13	12	social	social	ADJ
fsr-3654	13	13	cost	cost	NOUN
fsr-3654	13	14	of	of	ADP
fsr-3654	13	15	that	that	DET
fsr-3654	13	16	method	method	NOUN
fsr-3654	13	17	of	of	ADP
fsr-3654	13	18	making	make	VERB
fsr-3654	13	19	payment	payment	NOUN
fsr-3654	13	20	.	.	PUNCT
fsr-3654	14	1	humphrey	humphrey	PROPN
fsr-3654	14	2	and	and	CCONJ
fsr-3654	14	3	berger	berger	PROPN
fsr-3654	14	4	estimate	estimate	VERB
fsr-3654	14	5	that	that	SCONJ
fsr-3654	14	6	the	the	DET
fsr-3654	14	7	largest	large	ADJ
fsr-3654	14	8	divergence	divergence	NOUN
fsr-3654	14	9	occurs	occur	VERB
fsr-3654	14	10	for	for	ADP
fsr-3654	14	11	business	business	NOUN
fsr-3654	14	12	users	user	NOUN
fsr-3654	14	13	in	in	ADP
fsr-3654	14	14	which	which	PRON
fsr-3654	14	15	the	the	DET
fsr-3654	14	16	float	float	NOUN
fsr-3654	14	17	benefit	benefit	NOUN
fsr-3654	14	18	exceeds	exceed	VERB
fsr-3654	14	19	the	the	DET
fsr-3654	14	20	cost	cost	NOUN
fsr-3654	14	21	of	of	ADP
fsr-3654	14	22	processing	process	VERB
fsr-3654	14	23	the	the	DET
fsr-3654	14	24	check	check	NOUN
fsr-3654	14	25	.	.	PUNCT
fsr-3654	15	1	however	however	ADV
fsr-3654	15	2	,	,	PUNCT
fsr-3654	15	3	they	they	PRON
fsr-3654	15	4	indicate	indicate	VERB
fsr-3654	15	5	that	that	SCONJ
fsr-3654	15	6	households	household	NOUN
fsr-3654	15	7	are	be	AUX
fsr-3654	15	8	not	not	PART
fsr-3654	15	9	as	as	ADP
fsr-3654	15	10	able	able	ADJ
fsr-3654	15	11	neil	neil	PROPN
fsr-3654	15	12	b.	b.	PROPN
fsr-3654	15	13	murphy	murphy	PROPN
fsr-3654	15	14	l	l	PROPN
fsr-3654	15	15	professor	professor	PROPN
fsr-3654	15	16	of	of	ADP
fsr-3654	15	17	finance	finance	NOUN
fsr-3654	15	18	,	,	PUNCT
fsr-3654	15	19	department	department	NOUN
fsr-3654	15	20	of	of	ADP
fsr-3654	15	21	finance	finance	NOUN
fsr-3654	15	22	,	,	PUNCT
fsr-3654	15	23	school	school	NOUN
fsr-3654	15	24	of	of	ADP
fsr-3654	15	25	business	business	NOUN
fsr-3654	15	26	,	,	PUNCT
fsr-3654	15	27	virginia	virginia	PROPN
fsr-3654	15	28	commonwealth	commonwealth	PROPN
fsr-3654	15	29	university	university	PROPN
fsr-3654	15	30	,	,	PUNCT
fsr-3654	15	31	1015	1015	NUM
fsr-3654	15	32	university	university	PROPN
fsr-3654	15	33	avenue	avenue	PROPN
fsr-3654	15	34	,	,	PUNCT
fsr-3654	15	35	box	box	PROPN
fsr-3654	15	36	4000	4000	NUM
fsr-3654	15	37	,	,	PUNCT
fsr-3654	15	38	richmond	richmond	PROPN
fsr-3654	15	39	,	,	PUNCT
fsr-3654	15	40	va	va	PROPN
fsr-3654	15	41	23284	23284	NUM
fsr-3654	15	42	-	-	SYM
fsr-3654	15	43	4000	4000	NUM
fsr-3654	15	44	.	.	PUNCT
fsr-3654	16	1	36	36	NUM
fsr-3654	16	2	financial	financial	ADJ
fsr-3654	16	3	services	service	NOUN
fsr-3654	16	4	review	review	NOUN
fsr-3654	16	5	,	,	PUNCT
fsr-3654	16	6	l(1	l(1	PROPN
fsr-3654	16	7	)	)	PUNCT
fsr-3654	16	8	1991	1991	NUM
fsr-3654	16	9	to	to	PART
fsr-3654	16	10	capture	capture	VERB
fsr-3654	16	11	such	such	ADJ
fsr-3654	16	12	benefits	benefit	NOUN
fsr-3654	16	13	,	,	PUNCT
fsr-3654	16	14	and	and	CCONJ
fsr-3654	16	15	their	their	PRON
fsr-3654	16	16	usage	usage	NOUN
fsr-3654	16	17	patterns	pattern	NOUN
fsr-3654	16	18	should	should	AUX
fsr-3654	16	19	reflect	reflect	VERB
fsr-3654	16	20	a	a	DET
fsr-3654	16	21	more	more	ADV
fsr-3654	16	22	efficient	efficient	ADJ
fsr-3654	16	23	use	use	NOUN
fsr-3654	16	24	of	of	ADP
fsr-3654	16	25	resources	resource	NOUN
fsr-3654	16	26	.	.	PUNCT
fsr-3654	17	1	this	this	PRON
fsr-3654	17	2	is	be	AUX
fsr-3654	17	3	due	due	ADJ
fsr-3654	17	4	to	to	ADP
fsr-3654	17	5	the	the	DET
fsr-3654	17	6	nature	nature	NOUN
fsr-3654	17	7	of	of	ADP
fsr-3654	17	8	the	the	DET
fsr-3654	17	9	fixed	fix	VERB
fsr-3654	17	10	costs	cost	NOUN
fsr-3654	17	11	involved	involve	VERB
fsr-3654	17	12	in	in	ADP
fsr-3654	17	13	a	a	DET
fsr-3654	17	14	cash	cash	NOUN
fsr-3654	17	15	management	management	NOUN
fsr-3654	17	16	system	system	NOUN
fsr-3654	17	17	,	,	PUNCT
fsr-3654	17	18	first	first	ADV
fsr-3654	17	19	noted	note	VERB
fsr-3654	17	20	by	by	ADP
fsr-3654	17	21	baumol(l952	baumol(l952	NOUN
fsr-3654	17	22	)	)	PUNCT
fsr-3654	17	23	.	.	PUNCT
fsr-3654	18	1	there	there	PRON
fsr-3654	18	2	is	be	VERB
fsr-3654	18	3	one	one	NUM
fsr-3654	18	4	problem	problem	NOUN
fsr-3654	18	5	with	with	ADP
fsr-3654	18	6	that	that	DET
fsr-3654	18	7	notion	notion	NOUN
fsr-3654	18	8	.	.	PUNCT
fsr-3654	19	1	that	that	PRON
fsr-3654	19	2	is	is	ADV
fsr-3654	19	3	,	,	PUNCT
fsr-3654	19	4	the	the	DET
fsr-3654	19	5	pricing	pricing	NOUN
fsr-3654	19	6	of	of	ADP
fsr-3654	19	7	checking	check	VERB
fsr-3654	19	8	services	service	NOUN
fsr-3654	19	9	in	in	ADP
fsr-3654	19	10	many	many	ADJ
fsr-3654	19	11	cases	case	NOUN
fsr-3654	19	12	does	do	AUX
fsr-3654	19	13	not	not	PART
fsr-3654	19	14	reflect	reflect	VERB
fsr-3654	19	15	the	the	DET
fsr-3654	19	16	marginal	marginal	ADJ
fsr-3654	19	17	costs	cost	NOUN
fsr-3654	19	18	of	of	ADP
fsr-3654	19	19	providing	provide	VERB
fsr-3654	19	20	the	the	DET
fsr-3654	19	21	service	service	NOUN
fsr-3654	19	22	,	,	PUNCT
fsr-3654	19	23	and	and	CCONJ
fsr-3654	19	24	,	,	PUNCT
fsr-3654	19	25	thus	thus	ADV
fsr-3654	19	26	,	,	PUNCT
fsr-3654	19	27	there	there	PRON
fsr-3654	19	28	may	may	AUX
fsr-3654	19	29	not	not	PART
fsr-3654	19	30	be	be	AUX
fsr-3654	19	31	any	any	DET
fsr-3654	19	32	incentive	incentive	NOUN
fsr-3654	19	33	for	for	SCONJ
fsr-3654	19	34	households	household	NOUN
fsr-3654	19	35	to	to	PART
fsr-3654	19	36	economize	economize	VERB
fsr-3654	19	37	.	.	PUNCT
fsr-3654	20	1	a	a	DET
fsr-3654	20	2	primary	primary	ADJ
fsr-3654	20	3	reason	reason	NOUN
fsr-3654	20	4	for	for	ADP
fsr-3654	20	5	this	this	DET
fsr-3654	20	6	underpricing	underpricing	NOUN
fsr-3654	20	7	is	be	AUX
fsr-3654	20	8	a	a	DET
fsr-3654	20	9	holdover	holdover	NOUN
fsr-3654	20	10	from	from	ADP
fsr-3654	20	11	the	the	DET
fsr-3654	20	12	era	era	NOUN
fsr-3654	20	13	of	of	ADP
fsr-3654	20	14	regulated	regulated	ADJ
fsr-3654	20	15	interest	interest	NOUN
fsr-3654	20	16	ceilings	ceiling	NOUN
fsr-3654	20	17	in	in	ADP
fsr-3654	20	18	which	which	PRON
fsr-3654	20	19	non	non	ADJ
fsr-3654	20	20	-	-	ADJ
fsr-3654	20	21	price	price	ADJ
fsr-3654	20	22	competition	competition	NOUN
fsr-3654	20	23	emerged	emerge	VERB
fsr-3654	20	24	in	in	ADP
fsr-3654	20	25	the	the	DET
fsr-3654	20	26	form	form	NOUN
fsr-3654	20	27	of	of	ADP
fsr-3654	20	28	reduced	reduced	ADJ
fsr-3654	20	29	or	or	CCONJ
fsr-3654	20	30	no	no	DET
fsr-3654	20	31	service	service	NOUN
fsr-3654	20	32	charges	charge	NOUN
fsr-3654	20	33	in	in	ADP
fsr-3654	20	34	lieu	lieu	NOUN
fsr-3654	20	35	of	of	ADP
fsr-3654	20	36	explicit	explicit	ADJ
fsr-3654	20	37	interest	interest	NOUN
fsr-3654	20	38	payments	payment	NOUN
fsr-3654	20	39	to	to	ADP
fsr-3654	20	40	depositors	depositor	NOUN
fsr-3654	20	41	(	(	PUNCT
fsr-3654	20	42	spellman	spellman	PROPN
fsr-3654	20	43	,	,	PUNCT
fsr-3654	20	44	1982	1982	NUM
fsr-3654	20	45	)	)	PUNCT
fsr-3654	20	46	.	.	PUNCT
fsr-3654	21	1	at	at	ADP
fsr-3654	21	2	least	least	ADJ
fsr-3654	21	3	part	part	NOUN
fsr-3654	21	4	of	of	ADP
fsr-3654	21	5	the	the	DET
fsr-3654	21	6	reason	reason	NOUN
fsr-3654	21	7	for	for	ADP
fsr-3654	21	8	the	the	DET
fsr-3654	21	9	deployment	deployment	NOUN
fsr-3654	21	10	of	of	ADP
fsr-3654	21	11	atms	atms	PROPN
fsr-3654	21	12	was	be	AUX
fsr-3654	21	13	a	a	DET
fsr-3654	21	14	hope	hope	NOUN
fsr-3654	21	15	that	that	SCONJ
fsr-3654	21	16	households	household	NOUN
fsr-3654	21	17	would	would	AUX
fsr-3654	21	18	economize	economize	VERB
fsr-3654	21	19	on	on	ADP
fsr-3654	21	20	check	check	NOUN
fsr-3654	21	21	writing	writing	NOUN
fsr-3654	21	22	.	.	PUNCT
fsr-3654	22	1	earlier	early	ADJ
fsr-3654	22	2	studies	study	NOUN
fsr-3654	22	3	did	do	AUX
fsr-3654	22	4	not	not	PART
fsr-3654	22	5	indicate	indicate	VERB
fsr-3654	22	6	much	much	ADJ
fsr-3654	22	7	,	,	PUNCT
fsr-3654	22	8	if	if	SCONJ
fsr-3654	22	9	any	any	PRON
fsr-3654	22	10	,	,	PUNCT
fsr-3654	22	11	support	support	NOUN
fsr-3654	22	12	for	for	ADP
fsr-3654	22	13	the	the	DET
fsr-3654	22	14	notion	notion	NOUN
fsr-3654	22	15	that	that	SCONJ
fsr-3654	22	16	atm	atm	ADJ
fsr-3654	22	17	usage	usage	NOUN
fsr-3654	22	18	affected	affect	VERB
fsr-3654	22	19	check	check	NOUN
fsr-3654	22	20	writing	writing	NOUN
fsr-3654	22	21	(	(	PUNCT
fsr-3654	22	22	murphy	murphy	NOUN
fsr-3654	22	23	,	,	PUNCT
fsr-3654	22	24	1979	1979	NUM
fsr-3654	22	25	)	)	PUNCT
fsr-3654	22	26	.	.	PUNCT
fsr-3654	23	1	more	more	ADV
fsr-3654	23	2	important	important	ADJ
fsr-3654	23	3	,	,	PUNCT
fsr-3654	23	4	perhaps	perhaps	ADV
fsr-3654	23	5	,	,	PUNCT
fsr-3654	23	6	was	be	AUX
fsr-3654	23	7	a	a	DET
fsr-3654	23	8	desire	desire	NOUN
fsr-3654	23	9	to	to	PART
fsr-3654	23	10	provide	provide	VERB
fsr-3654	23	11	transaction	transaction	NOUN
fsr-3654	23	12	services	service	NOUN
fsr-3654	23	13	that	that	PRON
fsr-3654	23	14	displace	displace	VERB
fsr-3654	23	15	lobby	lobby	NOUN
fsr-3654	23	16	traffic	traffic	NOUN
fsr-3654	23	17	in	in	ADP
fsr-3654	23	18	branch	branch	NOUN
fsr-3654	23	19	offices	office	NOUN
fsr-3654	23	20	(	(	PUNCT
fsr-3654	23	21	murphy	murphy	NOUN
fsr-3654	23	22	,	,	PUNCT
fsr-3654	23	23	1990	1990	NUM
fsr-3654	23	24	)	)	PUNCT
fsr-3654	23	25	.	.	PUNCT
fsr-3654	24	1	the	the	DET
fsr-3654	24	2	branch	branch	NOUN
fsr-3654	24	3	office	office	NOUN
fsr-3654	24	4	delivery	delivery	NOUN
fsr-3654	24	5	system	system	NOUN
fsr-3654	24	6	was	be	AUX
fsr-3654	24	7	built	build	VERB
fsr-3654	24	8	up	up	ADP
fsr-3654	24	9	during	during	ADP
fsr-3654	24	10	the	the	DET
fsr-3654	24	11	era	era	NOUN
fsr-3654	24	12	of	of	ADP
fsr-3654	24	13	regulated	regulated	ADJ
fsr-3654	24	14	interest	interest	NOUN
fsr-3654	24	15	ceilings	ceiling	NOUN
fsr-3654	24	16	and	and	CCONJ
fsr-3654	24	17	may	may	AUX
fsr-3654	24	18	be	be	AUX
fsr-3654	24	19	viewed	view	VERB
fsr-3654	24	20	as	as	ADP
fsr-3654	24	21	an	an	DET
fsr-3654	24	22	expensive	expensive	ADJ
fsr-3654	24	23	provision	provision	NOUN
fsr-3654	24	24	of	of	ADP
fsr-3654	24	25	convenience	convenience	NOUN
fsr-3654	24	26	in	in	ADP
fsr-3654	24	27	lieu	lieu	NOUN
fsr-3654	24	28	of	of	ADP
fsr-3654	24	29	explicit	explicit	ADJ
fsr-3654	24	30	interest	interest	NOUN
fsr-3654	24	31	payments	payment	NOUN
fsr-3654	24	32	(	(	PUNCT
fsr-3654	24	33	taggart	taggart	NOUN
fsr-3654	24	34	,	,	PUNCT
fsr-3654	24	35	1978	1978	NUM
fsr-3654	24	36	)	)	PUNCT
fsr-3654	24	37	.	.	PUNCT
fsr-3654	25	1	the	the	DET
fsr-3654	25	2	deployment	deployment	NOUN
fsr-3654	25	3	of	of	ADP
fsr-3654	25	4	atms	atms	PROPN
fsr-3654	25	5	may	may	AUX
fsr-3654	25	6	then	then	ADV
fsr-3654	25	7	be	be	AUX
fsr-3654	25	8	viewed	view	VERB
fsr-3654	25	9	as	as	ADP
fsr-3654	25	10	an	an	DET
fsr-3654	25	11	attempt	attempt	NOUN
fsr-3654	25	12	to	to	PART
fsr-3654	25	13	economize	economize	VERB
fsr-3654	25	14	on	on	ADP
fsr-3654	25	15	the	the	DET
fsr-3654	25	16	provision	provision	NOUN
fsr-3654	25	17	of	of	ADP
fsr-3654	25	18	convenience	convenience	NOUN
fsr-3654	25	19	,	,	PUNCT
fsr-3654	25	20	substituting	substitute	VERB
fsr-3654	25	21	more	more	ADJ
fsr-3654	25	22	cost	cost	NOUN
fsr-3654	25	23	effective	effective	ADJ
fsr-3654	25	24	atms	atms	NOUN
fsr-3654	25	25	for	for	ADP
fsr-3654	25	26	branch	branch	NOUN
fsr-3654	25	27	offices	office	NOUN
fsr-3654	25	28	.	.	PUNCT
fsr-3654	26	1	with	with	ADP
fsr-3654	26	2	the	the	DET
fsr-3654	26	3	introduction	introduction	NOUN
fsr-3654	26	4	of	of	ADP
fsr-3654	26	5	now	now	ADV
fsr-3654	26	6	accounts	account	VERB
fsr-3654	26	7	in	in	ADP
fsr-3654	26	8	the	the	DET
fsr-3654	26	9	1970s	1970	NOUN
fsr-3654	26	10	in	in	ADP
fsr-3654	26	11	new	new	PROPN
fsr-3654	26	12	england	england	PROPN
fsr-3654	26	13	and	and	CCONJ
fsr-3654	26	14	in	in	ADP
fsr-3654	26	15	1980	1980	NUM
fsr-3654	26	16	nationwide	nationwide	ADV
fsr-3654	26	17	,	,	PUNCT
fsr-3654	26	18	along	along	ADP
fsr-3654	26	19	with	with	ADP
fsr-3654	26	20	the	the	DET
fsr-3654	26	21	subsequent	subsequent	ADJ
fsr-3654	26	22	deregulation	deregulation	NOUN
fsr-3654	26	23	of	of	ADP
fsr-3654	26	24	all	all	DET
fsr-3654	26	25	household	household	NOUN
fsr-3654	26	26	deposit	deposit	NOUN
fsr-3654	26	27	interest	interest	NOUN
fsr-3654	26	28	payments	payment	NOUN
fsr-3654	26	29	,	,	PUNCT
fsr-3654	26	30	the	the	DET
fsr-3654	26	31	stage	stage	NOUN
fsr-3654	26	32	was	be	AUX
fsr-3654	26	33	set	set	VERB
fsr-3654	26	34	for	for	ADP
fsr-3654	26	35	a	a	DET
fsr-3654	26	36	restructuring	restructuring	NOUN
fsr-3654	26	37	of	of	ADP
fsr-3654	26	38	pricing	pricing	NOUN
fsr-3654	26	39	of	of	ADP
fsr-3654	26	40	a	a	DET
fsr-3654	26	41	number	number	NOUN
fsr-3654	26	42	of	of	ADP
fsr-3654	26	43	household	household	NOUN
fsr-3654	26	44	financial	financial	ADJ
fsr-3654	26	45	services	service	NOUN
fsr-3654	26	46	that	that	PRON
fsr-3654	26	47	should	should	AUX
fsr-3654	26	48	lead	lead	VERB
fsr-3654	26	49	to	to	ADP
fsr-3654	26	50	incentives	incentive	NOUN
fsr-3654	26	51	that	that	PRON
fsr-3654	26	52	result	result	VERB
fsr-3654	26	53	in	in	ADP
fsr-3654	26	54	a	a	DET
fsr-3654	26	55	more	more	ADV
fsr-3654	26	56	efficient	efficient	ADJ
fsr-3654	26	57	allocation	allocation	NOUN
fsr-3654	26	58	of	of	ADP
fsr-3654	26	59	resources	resource	NOUN
fsr-3654	26	60	.	.	PUNCT
fsr-3654	27	1	banks	bank	NOUN
fsr-3654	27	2	pay	pay	VERB
fsr-3654	27	3	explicit	explicit	ADJ
fsr-3654	27	4	interest	interest	NOUN
fsr-3654	27	5	to	to	PART
fsr-3654	27	6	attract	attract	VERB
fsr-3654	27	7	deposits	deposit	NOUN
fsr-3654	27	8	,	,	PUNCT
fsr-3654	27	9	creating	create	VERB
fsr-3654	27	10	incentives	incentive	NOUN
fsr-3654	27	11	for	for	SCONJ
fsr-3654	27	12	them	they	PRON
fsr-3654	27	13	to	to	PART
fsr-3654	27	14	recover	recover	VERB
fsr-3654	27	15	directly	directly	ADV
fsr-3654	27	16	the	the	DET
fsr-3654	27	17	cost	cost	NOUN
fsr-3654	27	18	of	of	ADP
fsr-3654	27	19	providing	provide	VERB
fsr-3654	27	20	payments	payment	NOUN
fsr-3654	27	21	services	service	NOUN
fsr-3654	27	22	and	and	CCONJ
fsr-3654	27	23	reducing	reduce	VERB
fsr-3654	27	24	the	the	DET
fsr-3654	27	25	incentives	incentive	NOUN
fsr-3654	27	26	to	to	PART
fsr-3654	27	27	proliferate	proliferate	VERB
fsr-3654	27	28	branch	branch	NOUN
fsr-3654	27	29	offices	office	NOUN
fsr-3654	27	30	.	.	PUNCT
fsr-3654	28	1	instead	instead	ADV
fsr-3654	28	2	,	,	PUNCT
fsr-3654	28	3	less	less	ADV
fsr-3654	28	4	costly	costly	ADJ
fsr-3654	28	5	atms	atms	NOUN
fsr-3654	28	6	can	can	AUX
fsr-3654	28	7	be	be	AUX
fsr-3654	28	8	deployed	deploy	VERB
fsr-3654	28	9	.	.	PUNCT
fsr-3654	29	1	customers	customer	NOUN
fsr-3654	29	2	can	can	AUX
fsr-3654	29	3	then	then	ADV
fsr-3654	29	4	be	be	AUX
fsr-3654	29	5	confronted	confront	VERB
fsr-3654	29	6	with	with	ADP
fsr-3654	29	7	a	a	DET
fsr-3654	29	8	combination	combination	NOUN
fsr-3654	29	9	of	of	ADP
fsr-3654	29	10	interest	interest	NOUN
fsr-3654	29	11	payments	payment	NOUN
fsr-3654	29	12	,	,	PUNCT
fsr-3654	29	13	service	service	NOUN
fsr-3654	29	14	charges	charge	NOUN
fsr-3654	29	15	,	,	PUNCT
fsr-3654	29	16	and	and	CCONJ
fsr-3654	29	17	delivery	delivery	NOUN
fsr-3654	29	18	systems	system	NOUN
fsr-3654	29	19	that	that	PRON
fsr-3654	29	20	allow	allow	VERB
fsr-3654	29	21	them	they	PRON
fsr-3654	29	22	to	to	PART
fsr-3654	29	23	select	select	VERB
fsr-3654	29	24	the	the	DET
fsr-3654	29	25	combination	combination	NOUN
fsr-3654	29	26	of	of	ADP
fsr-3654	29	27	balances	balance	NOUN
fsr-3654	29	28	,	,	PUNCT
fsr-3654	29	29	checks	check	NOUN
fsr-3654	29	30	written	write	VERB
fsr-3654	29	31	,	,	PUNCT
fsr-3654	29	32	and	and	CCONJ
fsr-3654	29	33	transactions	transaction	NOUN
fsr-3654	29	34	that	that	PRON
fsr-3654	29	35	best	good	ADJ
fsr-3654	29	36	suits	suit	VERB
fsr-3654	29	37	their	their	PRON
fsr-3654	29	38	needs	need	NOUN
fsr-3654	29	39	.	.	PUNCT
fsr-3654	30	1	however	however	ADV
fsr-3654	30	2	,	,	PUNCT
fsr-3654	30	3	the	the	DET
fsr-3654	30	4	transition	transition	NOUN
fsr-3654	30	5	is	be	AUX
fsr-3654	30	6	not	not	PART
fsr-3654	30	7	instantaneous	instantaneous	ADJ
fsr-3654	30	8	(	(	PUNCT
fsr-3654	30	9	berger	berger	PROPN
fsr-3654	30	10	and	and	CCONJ
fsr-3654	30	11	humphrey	humphrey	PROPN
fsr-3654	30	12	,	,	PUNCT
fsr-3654	30	13	1986	1986	NUM
fsr-3654	30	14	)	)	PUNCT
fsr-3654	30	15	.	.	PUNCT
fsr-3654	31	1	banks	bank	NOUN
fsr-3654	31	2	do	do	AUX
fsr-3654	31	3	not	not	PART
fsr-3654	31	4	shut	shut	VERB
fsr-3654	31	5	down	down	ADP
fsr-3654	31	6	all	all	DET
fsr-3654	31	7	their	their	PRON
fsr-3654	31	8	redundant	redundant	ADJ
fsr-3654	31	9	branch	branch	NOUN
fsr-3654	31	10	offices	office	NOUN
fsr-3654	31	11	nor	nor	CCONJ
fsr-3654	31	12	do	do	AUX
fsr-3654	31	13	they	they	PRON
fsr-3654	31	14	immediately	immediately	ADV
fsr-3654	31	15	impose	impose	VERB
fsr-3654	31	16	full	full	ADJ
fsr-3654	31	17	cost	cost	NOUN
fsr-3654	31	18	service	service	NOUN
fsr-3654	31	19	charges	charge	NOUN
fsr-3654	31	20	.	.	PUNCT
fsr-3654	32	1	rather	rather	ADV
fsr-3654	32	2	,	,	PUNCT
fsr-3654	32	3	they	they	PRON
fsr-3654	32	4	selectively	selectively	ADV
fsr-3654	32	5	close	close	ADJ
fsr-3654	32	6	offices	office	NOUN
fsr-3654	32	7	,	,	PUNCT
fsr-3654	32	8	reduce	reduce	VERB
fsr-3654	32	9	the	the	DET
fsr-3654	32	10	rate	rate	NOUN
fsr-3654	32	11	of	of	ADP
fsr-3654	32	12	growth	growth	NOUN
fsr-3654	32	13	of	of	ADP
fsr-3654	32	14	new	new	ADJ
fsr-3654	32	15	offices	office	NOUN
fsr-3654	32	16	,	,	PUNCT
fsr-3654	32	17	and	and	CCONJ
fsr-3654	32	18	slowly	slowly	ADV
fsr-3654	32	19	increase	increase	VERB
fsr-3654	32	20	service	service	NOUN
fsr-3654	32	21	charges	charge	NOUN
fsr-3654	32	22	(	(	PUNCT
fsr-3654	32	23	canner	canner	NOUN
fsr-3654	32	24	and	and	CCONJ
fsr-3654	32	25	kurtz	kurtz	PROPN
fsr-3654	32	26	,	,	PUNCT
fsr-3654	32	27	1985	1985	NUM
fsr-3654	32	28	)	)	PUNCT
fsr-3654	32	29	.	.	PUNCT
fsr-3654	33	1	this	this	DET
fsr-3654	33	2	results	result	VERB
fsr-3654	33	3	in	in	ADP
fsr-3654	33	4	an	an	DET
fsr-3654	33	5	environment	environment	NOUN
fsr-3654	33	6	with	with	ADP
fsr-3654	33	7	many	many	ADJ
fsr-3654	33	8	different	different	ADJ
fsr-3654	33	9	pricing	pricing	NOUN
fsr-3654	33	10	arrangements	arrangement	NOUN
fsr-3654	33	11	(	(	PUNCT
fsr-3654	33	12	dunham	dunham	PROPN
fsr-3654	33	13	,	,	PUNCT
fsr-3654	33	14	1983	1983	NUM
fsr-3654	33	15	)	)	PUNCT
fsr-3654	33	16	.	.	PUNCT
fsr-3654	34	1	therefore	therefore	ADV
fsr-3654	34	2	it	it	PRON
fsr-3654	34	3	is	be	AUX
fsr-3654	34	4	possible	possible	ADJ
fsr-3654	34	5	to	to	PART
fsr-3654	34	6	obtain	obtain	VERB
fsr-3654	34	7	a	a	DET
fsr-3654	34	8	cross	cross	NOUN
fsr-3654	34	9	-	-	NOUN
fsr-3654	34	10	section	section	NOUN
fsr-3654	34	11	of	of	ADP
fsr-3654	34	12	households	household	NOUN
fsr-3654	34	13	using	use	VERB
fsr-3654	34	14	different	different	ADJ
fsr-3654	34	15	configurations	configuration	NOUN
fsr-3654	34	16	of	of	ADP
fsr-3654	34	17	prices	price	NOUN
fsr-3654	34	18	and	and	CCONJ
fsr-3654	34	19	electronic	electronic	ADJ
fsr-3654	34	20	banking	banking	NOUN
fsr-3654	34	21	services	service	NOUN
fsr-3654	34	22	.	.	PUNCT
fsr-3654	35	1	this	this	PRON
fsr-3654	35	2	permits	permit	VERB
fsr-3654	35	3	tests	test	NOUN
fsr-3654	35	4	to	to	PART
fsr-3654	35	5	determine	determine	VERB
fsr-3654	35	6	the	the	DET
fsr-3654	35	7	impact	impact	NOUN
fsr-3654	35	8	of	of	ADP
fsr-3654	35	9	different	different	ADJ
fsr-3654	35	10	pricing	pricing	NOUN
fsr-3654	35	11	as	as	ADV
fsr-3654	35	12	well	well	ADV
fsr-3654	35	13	as	as	ADP
fsr-3654	35	14	the	the	DET
fsr-3654	35	15	usage	usage	NOUN
fsr-3654	35	16	of	of	ADP
fsr-3654	35	17	atms	atms	NOUN
fsr-3654	35	18	on	on	ADP
fsr-3654	35	19	check	check	NOUN
fsr-3654	35	20	writing	writing	NOUN
fsr-3654	35	21	.	.	PUNCT
fsr-3654	36	1	in	in	ADP
fsr-3654	36	2	section	section	NOUN
fsr-3654	36	3	i	i	PRON
fsr-3654	36	4	,	,	PUNCT
fsr-3654	36	5	the	the	DET
fsr-3654	36	6	data	data	NOUN
fsr-3654	36	7	source	source	NOUN
fsr-3654	36	8	and	and	CCONJ
fsr-3654	36	9	the	the	DET
fsr-3654	36	10	model	model	NOUN
fsr-3654	36	11	development	development	NOUN
fsr-3654	36	12	are	be	AUX
fsr-3654	36	13	discussed	discuss	VERB
fsr-3654	36	14	while	while	SCONJ
fsr-3654	36	15	the	the	DET
fsr-3654	36	16	results	result	NOUN
fsr-3654	36	17	of	of	ADP
fsr-3654	36	18	the	the	DET
fsr-3654	36	19	analysis	analysis	NOUN
fsr-3654	36	20	are	be	AUX
fsr-3654	36	21	presented	present	VERB
fsr-3654	36	22	in	in	ADP
fsr-3654	36	23	section	section	PROPN
fsr-3654	36	24	ii	ii	PROPN
fsr-3654	36	25	.	.	PUNCT
fsr-3654	37	1	section	section	PROPN
fsr-3654	37	2	iii	iii	PROPN
fsr-3654	37	3	is	be	AUX
fsr-3654	37	4	the	the	DET
fsr-3654	37	5	summary	summary	NOUN
fsr-3654	37	6	and	and	CCONJ
fsr-3654	37	7	conclusion	conclusion	NOUN
fsr-3654	37	8	.	.	PUNCT
fsr-3654	38	1	determinants	determinant	NOUN
fsr-3654	38	2	of	of	ADP
fsr-3654	38	3	household	household	NOUN
fsr-3654	38	4	check	check	NOUN
fsr-3654	38	5	writing	write	VERB
fsr-3654	38	6	37	37	NUM
fsr-3654	38	7	i.	i.	NOUN
fsr-3654	38	8	data	data	PROPN
fsr-3654	38	9	source	source	NOUN
fsr-3654	38	10	and	and	CCONJ
fsr-3654	38	11	model	model	NOUN
fsr-3654	38	12	development	development	NOUN
fsr-3654	38	13	between	between	ADP
fsr-3654	38	14	may	may	PROPN
fsr-3654	38	15	and	and	CCONJ
fsr-3654	38	16	august	august	PROPN
fsr-3654	38	17	1984	1984	NUM
fsr-3654	38	18	,	,	PUNCT
fsr-3654	38	19	the	the	DET
fsr-3654	38	20	survey	survey	NOUN
fsr-3654	38	21	of	of	ADP
fsr-3654	38	22	currency	currency	NOUN
fsr-3654	38	23	and	and	CCONJ
fsr-3654	38	24	transaction	transaction	NOUN
fsr-3654	38	25	account	account	NOUN
fsr-3654	38	26	usage	usage	NOUN
fsr-3654	38	27	was	be	AUX
fsr-3654	38	28	conducted	conduct	VERB
fsr-3654	38	29	by	by	ADP
fsr-3654	38	30	the	the	DET
fsr-3654	38	31	survey	survey	NOUN
fsr-3654	38	32	research	research	NOUN
fsr-3654	38	33	center	center	NOUN
fsr-3654	38	34	of	of	ADP
fsr-3654	38	35	the	the	DET
fsr-3654	38	36	university	university	PROPN
fsr-3654	38	37	of	of	ADP
fsr-3654	38	38	michigan	michigan	PROPN
fsr-3654	38	39	.	.	PUNCT
fsr-3654	39	1	that	that	DET
fsr-3654	39	2	survey	survey	NOUN
fsr-3654	39	3	was	be	AUX
fsr-3654	39	4	commissioned	commission	VERB
fsr-3654	39	5	by	by	ADP
fsr-3654	39	6	the	the	DET
fsr-3654	39	7	board	board	NOUN
fsr-3654	39	8	of	of	ADP
fsr-3654	39	9	governors	governor	NOUN
fsr-3654	39	10	of	of	ADP
fsr-3654	39	11	the	the	DET
fsr-3654	39	12	federal	federal	PROPN
fsr-3654	39	13	reserve	reserve	PROPN
fsr-3654	39	14	system	system	NOUN
fsr-3654	39	15	.	.	PUNCT
fsr-3654	40	1	the	the	DET
fsr-3654	40	2	descriptive	descriptive	ADJ
fsr-3654	40	3	results	result	NOUN
fsr-3654	40	4	of	of	ADP
fsr-3654	40	5	the	the	DET
fsr-3654	40	6	survey	survey	NOUN
fsr-3654	40	7	as	as	ADV
fsr-3654	40	8	well	well	ADV
fsr-3654	40	9	as	as	ADP
fsr-3654	40	10	the	the	DET
fsr-3654	40	11	survey	survey	NOUN
fsr-3654	40	12	methods	method	NOUN
fsr-3654	40	13	were	be	AUX
fsr-3654	40	14	discussed	discuss	VERB
fsr-3654	40	15	in	in	ADP
fsr-3654	40	16	some	some	DET
fsr-3654	40	17	detail	detail	NOUN
fsr-3654	40	18	by	by	ADP
fsr-3654	40	19	avery	avery	PROPN
fsr-3654	40	20	,	,	PUNCT
fsr-3654	40	21	elliehausen	elliehausen	NOUN
fsr-3654	40	22	,	,	PUNCT
fsr-3654	40	23	kennickell	kennickell	NOUN
fsr-3654	40	24	and	and	CCONJ
fsr-3654	40	25	spindt	spindt	PROPN
fsr-3654	40	26	(	(	PUNCT
fsr-3654	40	27	1986	1986	NUM
fsr-3654	40	28	)	)	PUNCT
fsr-3654	40	29	.	.	PUNCT
fsr-3654	41	1	the	the	DET
fsr-3654	41	2	original	original	ADJ
fsr-3654	41	3	sample	sample	NOUN
fsr-3654	41	4	contained	contain	VERB
fsr-3654	41	5	1,946	1,946	NUM
fsr-3654	41	6	interviews	interview	NOUN
fsr-3654	41	7	from	from	ADP
fsr-3654	41	8	a	a	DET
fsr-3654	41	9	randomly	randomly	ADV
fsr-3654	41	10	selected	select	VERB
fsr-3654	41	11	sample	sample	NOUN
fsr-3654	41	12	of	of	ADP
fsr-3654	41	13	2,500	2,500	NUM
fsr-3654	41	14	families	family	NOUN
fsr-3654	41	15	residing	reside	VERB
fsr-3654	41	16	in	in	ADP
fsr-3654	41	17	the	the	DET
fsr-3654	41	18	united	united	PROPN
fsr-3654	41	19	states	states	PROPN
fsr-3654	41	20	.	.	PUNCT
fsr-3654	42	1	the	the	DET
fsr-3654	42	2	survey	survey	NOUN
fsr-3654	42	3	was	be	AUX
fsr-3654	42	4	a	a	DET
fsr-3654	42	5	personal	personal	ADJ
fsr-3654	42	6	interview	interview	NOUN
fsr-3654	42	7	in	in	ADP
fsr-3654	42	8	which	which	PRON
fsr-3654	42	9	respondents	respondent	NOUN
fsr-3654	42	10	reviewed	review	VERB
fsr-3654	42	11	the	the	DET
fsr-3654	42	12	details	detail	NOUN
fsr-3654	42	13	of	of	ADP
fsr-3654	42	14	their	their	PRON
fsr-3654	42	15	currency	currency	NOUN
fsr-3654	42	16	and	and	CCONJ
fsr-3654	42	17	transactions	transaction	NOUN
fsr-3654	42	18	account	account	NOUN
fsr-3654	42	19	usage	usage	NOUN
fsr-3654	42	20	from	from	ADP
fsr-3654	42	21	their	their	PRON
fsr-3654	42	22	own	own	ADJ
fsr-3654	42	23	records	record	NOUN
fsr-3654	42	24	.	.	PUNCT
fsr-3654	43	1	the	the	DET
fsr-3654	43	2	respondent	respondent	NOUN
fsr-3654	43	3	was	be	AUX
fsr-3654	43	4	either	either	CCONJ
fsr-3654	43	5	the	the	DET
fsr-3654	43	6	head	head	NOUN
fsr-3654	43	7	of	of	ADP
fsr-3654	43	8	the	the	DET
fsr-3654	43	9	family	family	NOUN
fsr-3654	43	10	or	or	CCONJ
fsr-3654	43	11	a	a	DET
fsr-3654	43	12	financially	financially	ADV
fsr-3654	43	13	knowledgeable	knowledgeable	ADJ
fsr-3654	43	14	spouse	spouse	NOUN
fsr-3654	43	15	.	.	PUNCT
fsr-3654	44	1	for	for	ADP
fsr-3654	44	2	purposes	purpose	NOUN
fsr-3654	44	3	of	of	ADP
fsr-3654	44	4	this	this	DET
fsr-3654	44	5	paper	paper	NOUN
fsr-3654	44	6	,	,	PUNCT
fsr-3654	44	7	the	the	DET
fsr-3654	44	8	sample	sample	NOUN
fsr-3654	44	9	size	size	NOUN
fsr-3654	44	10	was	be	AUX
fsr-3654	44	11	smaller	small	ADJ
fsr-3654	44	12	because	because	SCONJ
fsr-3654	44	13	some	some	DET
fsr-3654	44	14	households	household	NOUN
fsr-3654	44	15	do	do	AUX
fsr-3654	44	16	not	not	PART
fsr-3654	44	17	have	have	AUX
fsr-3654	44	18	checking	check	VERB
fsr-3654	44	19	accounts	account	NOUN
fsr-3654	44	20	.	.	PUNCT
fsr-3654	45	1	the	the	DET
fsr-3654	45	2	resulting	result	VERB
fsr-3654	45	3	sample	sample	NOUN
fsr-3654	45	4	size	size	NOUN
fsr-3654	45	5	for	for	ADP
fsr-3654	45	6	the	the	DET
fsr-3654	45	7	analysis	analysis	NOUN
fsr-3654	45	8	is	be	AUX
fsr-3654	45	9	1,596	1,596	NUM
fsr-3654	45	10	households	household	NOUN
fsr-3654	45	11	.	.	PUNCT
fsr-3654	46	1	the	the	DET
fsr-3654	46	2	model	model	NOUN
fsr-3654	46	3	is	be	AUX
fsr-3654	46	4	based	base	VERB
fsr-3654	46	5	upon	upon	SCONJ
fsr-3654	46	6	the	the	DET
fsr-3654	46	7	assumption	assumption	NOUN
fsr-3654	46	8	that	that	SCONJ
fsr-3654	46	9	households	household	NOUN
fsr-3654	46	10	will	will	AUX
fsr-3654	46	11	attempt	attempt	VERB
fsr-3654	46	12	to	to	PART
fsr-3654	46	13	minimize	minimize	VERB
fsr-3654	46	14	the	the	DET
fsr-3654	46	15	total	total	ADJ
fsr-3654	46	16	cost	cost	NOUN
fsr-3654	46	17	of	of	ADP
fsr-3654	46	18	making	make	VERB
fsr-3654	46	19	payments	payment	NOUN
fsr-3654	46	20	.	.	PUNCT
fsr-3654	47	1	this	this	PRON
fsr-3654	47	2	includes	include	VERB
fsr-3654	47	3	not	not	PART
fsr-3654	47	4	only	only	ADV
fsr-3654	47	5	the	the	DET
fsr-3654	47	6	explicit	explicit	ADJ
fsr-3654	47	7	costs	cost	NOUN
fsr-3654	47	8	charged	charge	VERB
fsr-3654	47	9	by	by	ADP
fsr-3654	47	10	the	the	DET
fsr-3654	47	11	bank	bank	NOUN
fsr-3654	47	12	,	,	PUNCT
fsr-3654	47	13	but	but	CCONJ
fsr-3654	47	14	also	also	ADV
fsr-3654	47	15	the	the	DET
fsr-3654	47	16	costs	cost	NOUN
fsr-3654	47	17	of	of	ADP
fsr-3654	47	18	transportation	transportation	NOUN
fsr-3654	47	19	and	and	CCONJ
fsr-3654	47	20	the	the	DET
fsr-3654	47	21	use	use	NOUN
fsr-3654	47	22	of	of	ADP
fsr-3654	47	23	time	time	NOUN
fsr-3654	47	24	.	.	PUNCT
fsr-3654	48	1	considerations	consideration	NOUN
fsr-3654	48	2	of	of	ADP
fsr-3654	48	3	acceptability	acceptability	NOUN
fsr-3654	48	4	,	,	PUNCT
fsr-3654	48	5	safety	safety	NOUN
fsr-3654	48	6	,	,	PUNCT
fsr-3654	48	7	control	control	NOUN
fsr-3654	48	8	,	,	PUNCT
fsr-3654	48	9	and	and	CCONJ
fsr-3654	48	10	record	record	NOUN
fsr-3654	48	11	-	-	PUNCT
fsr-3654	48	12	keeping	keeping	NOUN
fsr-3654	48	13	also	also	ADV
fsr-3654	48	14	enter	enter	VERB
fsr-3654	48	15	into	into	ADP
fsr-3654	48	16	the	the	DET
fsr-3654	48	17	decision	decision	NOUN
fsr-3654	48	18	process	process	NOUN
fsr-3654	48	19	in	in	ADP
fsr-3654	48	20	selecting	select	VERB
fsr-3654	48	21	a	a	DET
fsr-3654	48	22	method	method	NOUN
fsr-3654	48	23	of	of	ADP
fsr-3654	48	24	making	make	VERB
fsr-3654	48	25	payment	payment	NOUN
fsr-3654	48	26	.	.	PUNCT
fsr-3654	49	1	it	it	PRON
fsr-3654	49	2	is	be	AUX
fsr-3654	49	3	important	important	ADJ
fsr-3654	49	4	to	to	PART
fsr-3654	49	5	note	note	VERB
fsr-3654	49	6	that	that	SCONJ
fsr-3654	49	7	the	the	DET
fsr-3654	49	8	benefits	benefit	NOUN
fsr-3654	49	9	from	from	ADP
fsr-3654	49	10	cost	cost	NOUN
fsr-3654	49	11	minimizing	minimize	VERB
fsr-3654	49	12	behavior	behavior	NOUN
fsr-3654	49	13	are	be	AUX
fsr-3654	49	14	relatively	relatively	ADV
fsr-3654	49	15	small	small	ADJ
fsr-3654	49	16	for	for	ADP
fsr-3654	49	17	most	most	ADJ
fsr-3654	49	18	households	household	NOUN
fsr-3654	49	19	.	.	PUNCT
fsr-3654	50	1	in	in	ADP
fsr-3654	50	2	the	the	DET
fsr-3654	50	3	corporate	corporate	ADJ
fsr-3654	50	4	sector	sector	NOUN
fsr-3654	50	5	,	,	PUNCT
fsr-3654	50	6	there	there	PRON
fsr-3654	50	7	are	be	VERB
fsr-3654	50	8	sophisticated	sophisticated	ADJ
fsr-3654	50	9	techniques	technique	NOUN
fsr-3654	50	10	and	and	CCONJ
fsr-3654	50	11	services	service	NOUN
fsr-3654	50	12	available	available	ADJ
fsr-3654	50	13	to	to	PART
fsr-3654	50	14	permit	permit	VERB
fsr-3654	50	15	corporations	corporation	NOUN
fsr-3654	50	16	to	to	PART
fsr-3654	50	17	collect	collect	VERB
fsr-3654	50	18	payments	payment	NOUN
fsr-3654	50	19	quickly	quickly	ADV
fsr-3654	50	20	,	,	PUNCT
fsr-3654	50	21	control	control	NOUN
fsr-3654	50	22	disbursements	disbursement	NOUN
fsr-3654	50	23	,	,	PUNCT
fsr-3654	50	24	and	and	CCONJ
fsr-3654	50	25	invest	invest	VERB
fsr-3654	50	26	any	any	DET
fsr-3654	50	27	surplus	surplus	ADJ
fsr-3654	50	28	funds	fund	NOUN
fsr-3654	50	29	in	in	ADP
fsr-3654	50	30	the	the	DET
fsr-3654	50	31	money	money	NOUN
fsr-3654	50	32	markets	market	NOUN
fsr-3654	50	33	.	.	PUNCT
fsr-3654	51	1	moreover	moreover	ADV
fsr-3654	51	2	,	,	PUNCT
fsr-3654	51	3	there	there	PRON
fsr-3654	51	4	is	be	VERB
fsr-3654	51	5	a	a	DET
fsr-3654	51	6	professional	professional	ADJ
fsr-3654	51	7	organization	organization	NOUN
fsr-3654	51	8	,	,	PUNCT
fsr-3654	51	9	the	the	DET
fsr-3654	51	10	national	national	ADJ
fsr-3654	51	11	corporate	corporate	ADJ
fsr-3654	51	12	cash	cash	NOUN
fsr-3654	51	13	managers	manager	NOUN
fsr-3654	51	14	association	association	NOUN
fsr-3654	51	15	,	,	PUNCT
fsr-3654	51	16	and	and	CCONJ
fsr-3654	51	17	a	a	DET
fsr-3654	51	18	professional	professional	ADJ
fsr-3654	51	19	designation	designation	NOUN
fsr-3654	51	20	,	,	PUNCT
fsr-3654	51	21	the	the	DET
fsr-3654	51	22	certified	certify	VERB
fsr-3654	51	23	cash	cash	NOUN
fsr-3654	51	24	manager	manager	NOUN
fsr-3654	51	25	(	(	PUNCT
fsr-3654	51	26	ccm	ccm	PROPN
fsr-3654	51	27	)	)	PUNCT
fsr-3654	51	28	for	for	ADP
fsr-3654	51	29	corporate	corporate	ADJ
fsr-3654	51	30	cash	cash	NOUN
fsr-3654	51	31	managers	manager	NOUN
fsr-3654	51	32	,	,	PUNCT
fsr-3654	51	33	implying	imply	VERB
fsr-3654	51	34	substantial	substantial	ADJ
fsr-3654	51	35	benefits	benefit	NOUN
fsr-3654	51	36	from	from	ADP
fsr-3654	51	37	aggressive	aggressive	ADJ
fsr-3654	51	38	management	management	NOUN
fsr-3654	51	39	of	of	ADP
fsr-3654	51	40	payments	payment	NOUN
fsr-3654	51	41	costs	cost	NOUN
fsr-3654	51	42	.	.	PUNCT
fsr-3654	52	1	thus	thus	ADV
fsr-3654	52	2	,	,	PUNCT
fsr-3654	52	3	more	more	ADV
fsr-3654	52	4	sophisticated	sophisticated	ADJ
fsr-3654	52	5	approaches	approach	NOUN
fsr-3654	52	6	to	to	ADP
fsr-3654	52	7	household	household	NOUN
fsr-3654	52	8	payments	payment	NOUN
fsr-3654	52	9	management	management	NOUN
fsr-3654	52	10	will	will	AUX
fsr-3654	52	11	develop	develop	VERB
fsr-3654	52	12	more	more	ADV
fsr-3654	52	13	slowly	slowly	ADV
fsr-3654	52	14	,	,	PUNCT
fsr-3654	52	15	but	but	CCONJ
fsr-3654	52	16	the	the	DET
fsr-3654	52	17	forces	force	NOUN
fsr-3654	52	18	are	be	AUX
fsr-3654	52	19	clearly	clearly	ADV
fsr-3654	52	20	the	the	DET
fsr-3654	52	21	same	same	ADJ
fsr-3654	52	22	.	.	PUNCT
fsr-3654	53	1	the	the	DET
fsr-3654	53	2	opportunity	opportunity	NOUN
fsr-3654	53	3	cost	cost	NOUN
fsr-3654	53	4	of	of	ADP
fsr-3654	53	5	household	household	NOUN
fsr-3654	53	6	time	time	NOUN
fsr-3654	53	7	,	,	PUNCT
fsr-3654	53	8	the	the	DET
fsr-3654	53	9	availability	availability	NOUN
fsr-3654	53	10	of	of	ADP
fsr-3654	53	11	alternative	alternative	ADJ
fsr-3654	53	12	methods	method	NOUN
fsr-3654	53	13	of	of	ADP
fsr-3654	53	14	making	make	VERB
fsr-3654	53	15	payment	payment	NOUN
fsr-3654	53	16	,	,	PUNCT
fsr-3654	53	17	and	and	CCONJ
fsr-3654	53	18	the	the	DET
fsr-3654	53	19	movement	movement	NOUN
fsr-3654	53	20	,	,	PUNCT
fsr-3654	53	21	albeit	albeit	SCONJ
fsr-3654	53	22	slow	slow	ADJ
fsr-3654	53	23	,	,	PUNCT
fsr-3654	53	24	to	to	ADP
fsr-3654	53	25	explicit	explicit	ADJ
fsr-3654	53	26	pricing	pricing	NOUN
fsr-3654	53	27	should	should	AUX
fsr-3654	53	28	all	all	PRON
fsr-3654	53	29	push	push	VERB
fsr-3654	53	30	in	in	ADP
fsr-3654	53	31	the	the	DET
fsr-3654	53	32	direction	direction	NOUN
fsr-3654	53	33	of	of	ADP
fsr-3654	53	34	cost	cost	NOUN
fsr-3654	53	35	minimizing	minimize	VERB
fsr-3654	53	36	behavior	behavior	NOUN
fsr-3654	53	37	on	on	ADP
fsr-3654	53	38	the	the	DET
fsr-3654	53	39	part	part	NOUN
fsr-3654	53	40	of	of	ADP
fsr-3654	53	41	households	household	NOUN
fsr-3654	53	42	(	(	PUNCT
fsr-3654	53	43	murphy	murphy	NOUN
fsr-3654	53	44	,	,	PUNCT
fsr-3654	53	45	1977	1977	NUM
fsr-3654	53	46	)	)	PUNCT
fsr-3654	53	47	.	.	PUNCT
fsr-3654	54	1	the	the	DET
fsr-3654	54	2	model	model	NOUN
fsr-3654	54	3	contains	contain	VERB
fsr-3654	54	4	three	three	NUM
fsr-3654	54	5	sets	set	NOUN
fsr-3654	54	6	of	of	ADP
fsr-3654	54	7	independent	independent	ADJ
fsr-3654	54	8	variables	variable	NOUN
fsr-3654	54	9	:	:	PUNCT
fsr-3654	54	10	1	1	X
fsr-3654	54	11	.	.	X
fsr-3654	54	12	demographic	demographic	ADJ
fsr-3654	54	13	variables	variable	NOUN
fsr-3654	54	14	2	2	NUM
fsr-3654	54	15	.	.	PUNCT
fsr-3654	54	16	payment	payment	NOUN
fsr-3654	54	17	system	system	NOUN
fsr-3654	54	18	variables	variable	VERB
fsr-3654	54	19	3	3	NUM
fsr-3654	54	20	.	.	PUNCT
fsr-3654	55	1	pricing	pricing	NOUN
fsr-3654	55	2	variables	variable	VERB
fsr-3654	55	3	the	the	DET
fsr-3654	55	4	dependent	dependent	ADJ
fsr-3654	55	5	variable	variable	NOUN
fsr-3654	55	6	in	in	ADP
fsr-3654	55	7	the	the	DET
fsr-3654	55	8	model	model	NOUN
fsr-3654	55	9	is	be	AUX
fsr-3654	55	10	the	the	DET
fsr-3654	55	11	number	number	NOUN
fsr-3654	55	12	of	of	ADP
fsr-3654	55	13	checks	check	NOUN
fsr-3654	55	14	written	write	VERB
fsr-3654	55	15	per	per	ADP
fsr-3654	55	16	month	month	NOUN
fsr-3654	55	17	(	(	PUNCT
fsr-3654	55	18	or	or	CCONJ
fsr-3654	55	19	its	its	PRON
fsr-3654	55	20	logarithmic	logarithmic	ADJ
fsr-3654	55	21	transform	transform	NOUN
fsr-3654	55	22	)	)	PUNCT
fsr-3654	55	23	.	.	PUNCT
fsr-3654	56	1	there	there	PRON
fsr-3654	56	2	are	be	VERB
fsr-3654	56	3	a	a	DET
fsr-3654	56	4	number	number	NOUN
fsr-3654	56	5	of	of	ADP
fsr-3654	56	6	demographic	demographic	ADJ
fsr-3654	56	7	variables	variable	NOUN
fsr-3654	56	8	that	that	PRON
fsr-3654	56	9	reflect	reflect	VERB
fsr-3654	56	10	income	income	NOUN
fsr-3654	56	11	,	,	PUNCT
fsr-3654	56	12	age	age	NOUN
fsr-3654	56	13	,	,	PUNCT
fsr-3654	56	14	marital	marital	ADJ
fsr-3654	56	15	status	status	NOUN
fsr-3654	56	16	,	,	PUNCT
fsr-3654	56	17	education	education	NOUN
fsr-3654	56	18	,	,	PUNCT
fsr-3654	56	19	etc	etc	X
fsr-3654	56	20	.	.	X
fsr-3654	57	1	these	these	DET
fsr-3654	57	2	variables	variable	NOUN
fsr-3654	57	3	reflect	reflect	VERB
fsr-3654	57	4	factors	factor	NOUN
fsr-3654	57	5	that	that	PRON
fsr-3654	57	6	affect	affect	VERB
fsr-3654	57	7	38	38	NUM
fsr-3654	57	8	financial	financial	ADJ
fsr-3654	57	9	services	service	NOUN
fsr-3654	57	10	review	review	NOUN
fsr-3654	57	11	,	,	PUNCT
fsr-3654	57	12	l(1	l(1	PROPN
fsr-3654	57	13	)	)	PUNCT
fsr-3654	57	14	1991	1991	NUM
fsr-3654	57	15	household	household	NOUN
fsr-3654	57	16	payments	payment	NOUN
fsr-3654	57	17	costs	cost	NOUN
fsr-3654	57	18	.	.	PUNCT
fsr-3654	58	1	for	for	ADP
fsr-3654	58	2	example	example	NOUN
fsr-3654	58	3	,	,	PUNCT
fsr-3654	58	4	income	income	NOUN
fsr-3654	58	5	is	be	AUX
fsr-3654	58	6	a	a	DET
fsr-3654	58	7	measure	measure	NOUN
fsr-3654	58	8	of	of	ADP
fsr-3654	58	9	the	the	DET
fsr-3654	58	10	opportunity	opportunity	NOUN
fsr-3654	58	11	cost	cost	NOUN
fsr-3654	58	12	of	of	ADP
fsr-3654	58	13	time	time	NOUN
fsr-3654	58	14	in	in	ADP
fsr-3654	58	15	making	make	VERB
fsr-3654	58	16	payments	payment	NOUN
fsr-3654	58	17	.	.	PUNCT
fsr-3654	59	1	education	education	NOUN
fsr-3654	59	2	is	be	AUX
fsr-3654	59	3	related	relate	VERB
fsr-3654	59	4	to	to	ADP
fsr-3654	59	5	the	the	DET
fsr-3654	59	6	opportunity	opportunity	NOUN
fsr-3654	59	7	cost	cost	NOUN
fsr-3654	59	8	of	of	ADP
fsr-3654	59	9	time	time	NOUN
fsr-3654	59	10	as	as	ADV
fsr-3654	59	11	well	well	ADV
fsr-3654	59	12	as	as	ADP
fsr-3654	59	13	the	the	DET
fsr-3654	59	14	ability	ability	NOUN
fsr-3654	59	15	to	to	PART
fsr-3654	59	16	understand	understand	VERB
fsr-3654	59	17	and	and	CCONJ
fsr-3654	59	18	choose	choose	VERB
fsr-3654	59	19	payments	payment	NOUN
fsr-3654	59	20	methods	method	NOUN
fsr-3654	59	21	that	that	PRON
fsr-3654	59	22	minimize	minimize	VERB
fsr-3654	59	23	cost	cost	NOUN
fsr-3654	59	24	.	.	PUNCT
fsr-3654	60	1	these	these	DET
fsr-3654	60	2	variables	variable	NOUN
fsr-3654	60	3	also	also	ADV
fsr-3654	60	4	hold	hold	VERB
fsr-3654	60	5	constant	constant	ADJ
fsr-3654	60	6	the	the	DET
fsr-3654	60	7	influence	influence	NOUN
fsr-3654	60	8	of	of	ADP
fsr-3654	60	9	all	all	DET
fsr-3654	60	10	other	other	ADJ
fsr-3654	60	11	factors	factor	NOUN
fsr-3654	60	12	and	and	CCONJ
fsr-3654	60	13	allow	allow	VERB
fsr-3654	60	14	the	the	DET
fsr-3654	60	15	analysis	analysis	NOUN
fsr-3654	60	16	to	to	PART
fsr-3654	60	17	be	be	AUX
fsr-3654	60	18	focussed	focusse	VERB
fsr-3654	60	19	on	on	ADP
fsr-3654	60	20	payment	payment	NOUN
fsr-3654	60	21	system	system	NOUN
fsr-3654	60	22	and	and	CCONJ
fsr-3654	60	23	pricing	pricing	NOUN
fsr-3654	60	24	variables	variable	NOUN
fsr-3654	60	25	.	.	PUNCT
fsr-3654	61	1	those	those	DET
fsr-3654	61	2	variables	variable	NOUN
fsr-3654	61	3	that	that	PRON
fsr-3654	61	4	were	be	AUX
fsr-3654	61	5	found	find	VERB
fsr-3654	61	6	to	to	PART
fsr-3654	61	7	be	be	AUX
fsr-3654	61	8	statistically	statistically	ADV
fsr-3654	61	9	significant	significant	ADJ
fsr-3654	61	10	in	in	ADP
fsr-3654	61	11	explaining	explain	VERB
fsr-3654	61	12	check	check	NOUN
fsr-3654	61	13	writing	writing	NOUN
fsr-3654	61	14	are	be	AUX
fsr-3654	61	15	household	household	NOUN
fsr-3654	61	16	income	income	NOUN
fsr-3654	61	17	,	,	PUNCT
fsr-3654	61	18	marital	marital	ADJ
fsr-3654	61	19	and	and	CCONJ
fsr-3654	61	20	employment	employment	NOUN
fsr-3654	61	21	status	status	NOUN
fsr-3654	61	22	,	,	PUNCT
fsr-3654	61	23	some	some	DET
fsr-3654	61	24	educational	educational	ADJ
fsr-3654	61	25	categories	category	NOUN
fsr-3654	61	26	,	,	PUNCT
fsr-3654	61	27	and	and	CCONJ
fsr-3654	61	28	the	the	DET
fsr-3654	61	29	sex	sex	NOUN
fsr-3654	61	30	of	of	ADP
fsr-3654	61	31	the	the	DET
fsr-3654	61	32	head	head	NOUN
fsr-3654	61	33	of	of	ADP
fsr-3654	61	34	the	the	DET
fsr-3654	61	35	household	household	NOUN
fsr-3654	61	36	.	.	PUNCT
fsr-3654	62	1	it	it	PRON
fsr-3654	62	2	is	be	AUX
fsr-3654	62	3	expected	expect	VERB
fsr-3654	62	4	that	that	SCONJ
fsr-3654	62	5	those	those	PRON
fsr-3654	62	6	with	with	ADP
fsr-3654	62	7	higher	high	ADJ
fsr-3654	62	8	incomes	income	NOUN
fsr-3654	62	9	will	will	AUX
fsr-3654	62	10	purchase	purchase	VERB
fsr-3654	62	11	more	more	ADJ
fsr-3654	62	12	goods	good	NOUN
fsr-3654	62	13	and	and	CCONJ
fsr-3654	62	14	services	service	NOUN
fsr-3654	62	15	that	that	PRON
fsr-3654	62	16	will	will	AUX
fsr-3654	62	17	be	be	AUX
fsr-3654	62	18	reflected	reflect	VERB
fsr-3654	62	19	in	in	ADP
fsr-3654	62	20	more	more	ADJ
fsr-3654	62	21	payments	payment	NOUN
fsr-3654	62	22	by	by	ADP
fsr-3654	62	23	check	check	NOUN
fsr-3654	62	24	,	,	PUNCT
fsr-3654	62	25	although	although	SCONJ
fsr-3654	62	26	it	it	PRON
fsr-3654	62	27	is	be	AUX
fsr-3654	62	28	not	not	PART
fsr-3654	62	29	clear	clear	ADJ
fsr-3654	62	30	what	what	PRON
fsr-3654	62	31	the	the	DET
fsr-3654	62	32	nature	nature	NOUN
fsr-3654	62	33	of	of	ADP
fsr-3654	62	34	the	the	DET
fsr-3654	62	35	relationship	relationship	NOUN
fsr-3654	62	36	would	would	AUX
fsr-3654	62	37	be	be	AUX
fsr-3654	62	38	.	.	PUNCT
fsr-3654	63	1	while	while	SCONJ
fsr-3654	63	2	total	total	ADJ
fsr-3654	63	3	consumption	consumption	NOUN
fsr-3654	63	4	expenditure	expenditure	NOUN
fsr-3654	63	5	may	may	AUX
fsr-3654	63	6	show	show	VERB
fsr-3654	63	7	a	a	DET
fsr-3654	63	8	strong	strong	ADJ
fsr-3654	63	9	proportional	proportional	ADJ
fsr-3654	63	10	increase	increase	NOUN
fsr-3654	63	11	with	with	ADP
fsr-3654	63	12	changes	change	NOUN
fsr-3654	63	13	in	in	ADP
fsr-3654	63	14	income	income	NOUN
fsr-3654	63	15	,	,	PUNCT
fsr-3654	63	16	total	total	ADJ
fsr-3654	63	17	checks	check	NOUN
fsr-3654	63	18	written	write	VERB
fsr-3654	63	19	would	would	AUX
fsr-3654	63	20	not	not	PART
fsr-3654	63	21	necessarily	necessarily	ADV
fsr-3654	63	22	increase	increase	VERB
fsr-3654	63	23	at	at	ADP
fsr-3654	63	24	the	the	DET
fsr-3654	63	25	same	same	ADJ
fsr-3654	63	26	rate	rate	NOUN
fsr-3654	63	27	as	as	SCONJ
fsr-3654	63	28	more	more	ADJ
fsr-3654	63	29	transactions	transaction	NOUN
fsr-3654	63	30	and	and	CCONJ
fsr-3654	63	31	higher	high	ADJ
fsr-3654	63	32	amounts	amount	NOUN
fsr-3654	63	33	per	per	ADP
fsr-3654	63	34	transaction	transaction	NOUN
fsr-3654	63	35	simultaneously	simultaneously	ADV
fsr-3654	63	36	occur	occur	VERB
fsr-3654	63	37	as	as	SCONJ
fsr-3654	63	38	income	income	NOUN
fsr-3654	63	39	rises	rise	NOUN
fsr-3654	63	40	.	.	PUNCT
fsr-3654	64	1	hence	hence	ADV
fsr-3654	64	2	,	,	PUNCT
fsr-3654	64	3	a	a	DET
fsr-3654	64	4	positive	positive	ADJ
fsr-3654	64	5	coefficient	coefficient	NOUN
fsr-3654	64	6	is	be	AUX
fsr-3654	64	7	expected	expect	VERB
fsr-3654	64	8	,	,	PUNCT
fsr-3654	64	9	but	but	CCONJ
fsr-3654	64	10	the	the	DET
fsr-3654	64	11	elasticity	elasticity	NOUN
fsr-3654	64	12	of	of	ADP
fsr-3654	64	13	checks	check	NOUN
fsr-3654	64	14	written	write	VERB
fsr-3654	64	15	with	with	ADP
fsr-3654	64	16	respect	respect	NOUN
fsr-3654	64	17	to	to	ADP
fsr-3654	64	18	income	income	NOUN
fsr-3654	64	19	would	would	AUX
fsr-3654	64	20	likely	likely	ADV
fsr-3654	64	21	be	be	AUX
fsr-3654	64	22	less	less	ADJ
fsr-3654	64	23	than	than	ADP
fsr-3654	64	24	the	the	DET
fsr-3654	64	25	elasticity	elasticity	NOUN
fsr-3654	64	26	of	of	ADP
fsr-3654	64	27	consumption	consumption	NOUN
fsr-3654	64	28	with	with	ADP
fsr-3654	64	29	respect	respect	NOUN
fsr-3654	64	30	to	to	ADP
fsr-3654	64	31	income	income	NOUN
fsr-3654	64	32	.	.	PUNCT
fsr-3654	65	1	employment	employment	NOUN
fsr-3654	65	2	status	status	NOUN
fsr-3654	65	3	and	and	CCONJ
fsr-3654	65	4	education	education	NOUN
fsr-3654	65	5	reflect	reflect	VERB
fsr-3654	65	6	the	the	DET
fsr-3654	65	7	need	need	NOUN
fsr-3654	65	8	and	and	CCONJ
fsr-3654	65	9	ability	ability	NOUN
fsr-3654	65	10	to	to	PART
fsr-3654	65	11	control	control	VERB
fsr-3654	65	12	expenditures	expenditure	NOUN
fsr-3654	65	13	and	and	CCONJ
fsr-3654	65	14	maintain	maintain	VERB
fsr-3654	65	15	payments	payment	NOUN
fsr-3654	65	16	records	record	NOUN
fsr-3654	65	17	.	.	PUNCT
fsr-3654	66	1	hence	hence	ADV
fsr-3654	66	2	,	,	PUNCT
fsr-3654	66	3	it	it	PRON
fsr-3654	66	4	would	would	AUX
fsr-3654	66	5	be	be	AUX
fsr-3654	66	6	expected	expect	VERB
fsr-3654	66	7	that	that	SCONJ
fsr-3654	66	8	more	more	ADJ
fsr-3654	66	9	checks	check	NOUN
fsr-3654	66	10	would	would	AUX
fsr-3654	66	11	be	be	AUX
fsr-3654	66	12	written	write	VERB
fsr-3654	66	13	.	.	PUNCT
fsr-3654	67	1	there	there	PRON
fsr-3654	67	2	is	be	VERB
fsr-3654	67	3	no	no	DET
fsr-3654	67	4	economic	economic	ADJ
fsr-3654	67	5	basis	basis	NOUN
fsr-3654	67	6	to	to	ADP
fsr-3654	67	7	the	the	DET
fsr-3654	67	8	finding	finding	NOUN
fsr-3654	67	9	that	that	SCONJ
fsr-3654	67	10	gender	gender	NOUN
fsr-3654	67	11	affects	affect	VERB
fsr-3654	67	12	the	the	DET
fsr-3654	67	13	number	number	NOUN
fsr-3654	67	14	of	of	ADP
fsr-3654	67	15	checks	check	NOUN
fsr-3654	67	16	written	write	VERB
fsr-3654	67	17	,	,	PUNCT
fsr-3654	67	18	but	but	CCONJ
fsr-3654	67	19	the	the	DET
fsr-3654	67	20	estimated	estimate	VERB
fsr-3654	67	21	coefficient	coefficient	NOUN
fsr-3654	67	22	is	be	AUX
fsr-3654	67	23	statistically	statistically	ADV
fsr-3654	67	24	significant	significant	ADJ
fsr-3654	67	25	.	.	PUNCT
fsr-3654	68	1	there	there	PRON
fsr-3654	68	2	are	be	VERB
fsr-3654	68	3	three	three	NUM
fsr-3654	68	4	payments	payment	NOUN
fsr-3654	68	5	system	system	NOUN
fsr-3654	68	6	variables	variable	VERB
fsr-3654	68	7	:	:	PUNCT
fsr-3654	69	1	1	1	X
fsr-3654	69	2	.	.	X
fsr-3654	69	3	the	the	DET
fsr-3654	69	4	use	use	NOUN
fsr-3654	69	5	of	of	ADP
fsr-3654	69	6	atms	atms	NOUN
fsr-3654	69	7	by	by	ADP
fsr-3654	69	8	the	the	DET
fsr-3654	69	9	household	household	NOUN
fsr-3654	69	10	.	.	PUNCT
fsr-3654	70	1	2	2	X
fsr-3654	70	2	.	.	X
fsr-3654	70	3	the	the	DET
fsr-3654	70	4	use	use	NOUN
fsr-3654	70	5	of	of	ADP
fsr-3654	70	6	direct	direct	ADJ
fsr-3654	70	7	deposit	deposit	NOUN
fsr-3654	70	8	by	by	ADP
fsr-3654	70	9	the	the	DET
fsr-3654	70	10	household	household	NOUN
fsr-3654	70	11	.	.	PUNCT
fsr-3654	71	1	3	3	X
fsr-3654	71	2	.	.	X
fsr-3654	71	3	the	the	DET
fsr-3654	71	4	number	number	NOUN
fsr-3654	71	5	of	of	ADP
fsr-3654	71	6	credit	credit	NOUN
fsr-3654	71	7	cards	card	NOUN
fsr-3654	71	8	used	use	VERB
fsr-3654	71	9	by	by	ADP
fsr-3654	71	10	the	the	DET
fsr-3654	71	11	household	household	NOUN
fsr-3654	71	12	.	.	PUNCT
fsr-3654	72	1	approximately	approximately	ADV
fsr-3654	72	2	25	25	NUM
fsr-3654	72	3	%	%	NOUN
fsr-3654	72	4	of	of	ADP
fsr-3654	72	5	all	all	DET
fsr-3654	72	6	households	household	NOUN
fsr-3654	72	7	were	be	AUX
fsr-3654	72	8	active	active	ADJ
fsr-3654	72	9	users	user	NOUN
fsr-3654	72	10	of	of	ADP
fsr-3654	72	11	atms	atms	NOUN
fsr-3654	72	12	.	.	PUNCT
fsr-3654	73	1	whether	whether	SCONJ
fsr-3654	73	2	or	or	CCONJ
fsr-3654	73	3	not	not	PART
fsr-3654	73	4	check	check	VERB
fsr-3654	73	5	writing	writing	NOUN
fsr-3654	73	6	should	should	AUX
fsr-3654	73	7	be	be	AUX
fsr-3654	73	8	affected	affect	VERB
fsr-3654	73	9	is	be	AUX
fsr-3654	73	10	not	not	PART
fsr-3654	73	11	obvious	obvious	ADJ
fsr-3654	73	12	apriori	apriori	ADV
fsr-3654	73	13	.	.	PUNCT
fsr-3654	74	1	most	most	ADJ
fsr-3654	74	2	people	people	NOUN
fsr-3654	74	3	use	use	VERB
fsr-3654	74	4	atms	atms	NOUN
fsr-3654	74	5	to	to	PART
fsr-3654	74	6	obtain	obtain	VERB
fsr-3654	74	7	cash	cash	NOUN
fsr-3654	74	8	or	or	CCONJ
fsr-3654	74	9	to	to	PART
fsr-3654	74	10	deposit	deposit	VERB
fsr-3654	74	11	funds	fund	NOUN
fsr-3654	74	12	in	in	ADP
fsr-3654	74	13	their	their	PRON
fsr-3654	74	14	account	account	NOUN
fsr-3654	74	15	.	.	PUNCT
fsr-3654	75	1	for	for	ADP
fsr-3654	75	2	example	example	NOUN
fsr-3654	75	3	,	,	PUNCT
fsr-3654	75	4	if	if	SCONJ
fsr-3654	75	5	cash	cash	NOUN
fsr-3654	75	6	were	be	AUX
fsr-3654	75	7	normally	normally	ADV
fsr-3654	75	8	obtained	obtain	VERB
fsr-3654	75	9	when	when	SCONJ
fsr-3654	75	10	a	a	DET
fsr-3654	75	11	paycheck	paycheck	NOUN
fsr-3654	75	12	is	be	AUX
fsr-3654	75	13	received	receive	VERB
fsr-3654	75	14	,	,	PUNCT
fsr-3654	75	15	and	and	CCONJ
fsr-3654	75	16	the	the	DET
fsr-3654	75	17	recipient	recipient	NOUN
fsr-3654	75	18	splits	split	VERB
fsr-3654	75	19	the	the	DET
fsr-3654	75	20	amount	amount	NOUN
fsr-3654	75	21	of	of	ADP
fsr-3654	75	22	the	the	DET
fsr-3654	75	23	paycheck	paycheck	NOUN
fsr-3654	75	24	between	between	ADP
fsr-3654	75	25	a	a	DET
fsr-3654	75	26	deposit	deposit	NOUN
fsr-3654	75	27	and	and	CCONJ
fsr-3654	75	28	cash	cash	NOUN
fsr-3654	75	29	,	,	PUNCT
fsr-3654	75	30	there	there	PRON
fsr-3654	75	31	would	would	AUX
fsr-3654	75	32	be	be	AUX
fsr-3654	75	33	no	no	DET
fsr-3654	75	34	necessary	necessary	ADJ
fsr-3654	75	35	relationship	relationship	NOUN
fsr-3654	75	36	between	between	ADP
fsr-3654	75	37	check	check	NOUN
fsr-3654	75	38	writing	writing	NOUN
fsr-3654	75	39	and	and	CCONJ
fsr-3654	75	40	atm	atm	NOUN
fsr-3654	75	41	use	use	NOUN
fsr-3654	75	42	if	if	SCONJ
fsr-3654	75	43	the	the	DET
fsr-3654	75	44	household	household	NOUN
fsr-3654	75	45	merely	merely	ADV
fsr-3654	75	46	changed	change	VERB
fsr-3654	75	47	the	the	DET
fsr-3654	75	48	location	location	NOUN
fsr-3654	75	49	of	of	ADP
fsr-3654	75	50	the	the	DET
fsr-3654	75	51	split	split	ADJ
fsr-3654	75	52	deposit	deposit	NOUN
fsr-3654	75	53	from	from	ADP
fsr-3654	75	54	the	the	DET
fsr-3654	75	55	teller	teller	NOUN
fsr-3654	75	56	line	line	NOUN
fsr-3654	75	57	to	to	ADP
fsr-3654	75	58	the	the	DET
fsr-3654	75	59	atm	atm	NOUN
fsr-3654	75	60	.	.	PUNCT
fsr-3654	76	1	almost	almost	ADV
fsr-3654	76	2	21	21	NUM
fsr-3654	76	3	%	%	NOUN
fsr-3654	76	4	of	of	ADP
fsr-3654	76	5	all	all	DET
fsr-3654	76	6	households	household	NOUN
fsr-3654	76	7	in	in	ADP
fsr-3654	76	8	the	the	DET
fsr-3654	76	9	sample	sample	NOUN
fsr-3654	76	10	received	receive	VERB
fsr-3654	76	11	either	either	CCONJ
fsr-3654	76	12	their	their	PRON
fsr-3654	76	13	paycheck	paycheck	NOUN
fsr-3654	76	14	or	or	CCONJ
fsr-3654	76	15	social	social	ADJ
fsr-3654	76	16	security	security	NOUN
fsr-3654	76	17	check	check	NOUN
fsr-3654	76	18	via	via	ADP
fsr-3654	76	19	direct	direct	ADJ
fsr-3654	76	20	deposit	deposit	NOUN
fsr-3654	76	21	.	.	PUNCT
fsr-3654	77	1	it	it	PRON
fsr-3654	77	2	is	be	AUX
fsr-3654	77	3	conceivable	conceivable	ADJ
fsr-3654	77	4	that	that	SCONJ
fsr-3654	77	5	such	such	DET
fsr-3654	77	6	an	an	DET
fsr-3654	77	7	arrangement	arrangement	NOUN
fsr-3654	77	8	may	may	AUX
fsr-3654	77	9	increase	increase	VERB
fsr-3654	77	10	the	the	DET
fsr-3654	77	11	amount	amount	NOUN
fsr-3654	77	12	of	of	ADP
fsr-3654	77	13	check	check	NOUN
fsr-3654	77	14	writing	writing	NOUN
fsr-3654	77	15	as	as	SCONJ
fsr-3654	77	16	households	household	NOUN
fsr-3654	77	17	must	must	AUX
fsr-3654	77	18	now	now	ADV
fsr-3654	77	19	access	access	VERB
fsr-3654	77	20	their	their	PRON
fsr-3654	77	21	accounts	account	NOUN
fsr-3654	77	22	for	for	ADP
fsr-3654	77	23	cash	cash	NOUN
fsr-3654	77	24	rather	rather	ADV
fsr-3654	77	25	than	than	ADP
fsr-3654	77	26	taking	take	VERB
fsr-3654	77	27	it	it	PRON
fsr-3654	77	28	at	at	ADP
fsr-3654	77	29	the	the	DET
fsr-3654	77	30	time	time	NOUN
fsr-3654	77	31	such	such	DET
fsr-3654	77	32	a	a	DET
fsr-3654	77	33	payment	payment	NOUN
fsr-3654	77	34	(	(	PUNCT
fsr-3654	77	35	check	check	NOUN
fsr-3654	77	36	)	)	PUNCT
fsr-3654	77	37	is	be	AUX
fsr-3654	77	38	received	receive	VERB
fsr-3654	77	39	.	.	PUNCT
fsr-3654	78	1	finally	finally	ADV
fsr-3654	78	2	,	,	PUNCT
fsr-3654	78	3	the	the	DET
fsr-3654	78	4	number	number	NOUN
fsr-3654	78	5	of	of	ADP
fsr-3654	78	6	credit	credit	NOUN
fsr-3654	78	7	cards	card	NOUN
fsr-3654	78	8	may	may	AUX
fsr-3654	78	9	affect	affect	VERB
fsr-3654	78	10	check	check	VERB
fsr-3654	78	11	writing	writing	NOUN
fsr-3654	78	12	.	.	PUNCT
fsr-3654	79	1	since	since	SCONJ
fsr-3654	79	2	credit	credit	NOUN
fsr-3654	79	3	cards	card	NOUN
fsr-3654	79	4	are	be	AUX
fsr-3654	79	5	used	use	VERB
fsr-3654	79	6	at	at	ADP
fsr-3654	79	7	the	the	DET
fsr-3654	79	8	point	point	NOUN
fsr-3654	79	9	of	of	ADP
fsr-3654	79	10	sale	sale	NOUN
fsr-3654	79	11	,	,	PUNCT
fsr-3654	79	12	they	they	PRON
fsr-3654	79	13	may	may	AUX
fsr-3654	79	14	be	be	AUX
fsr-3654	79	15	a	a	DET
fsr-3654	79	16	substitute	substitute	NOUN
fsr-3654	79	17	for	for	ADP
fsr-3654	79	18	either	either	CCONJ
fsr-3654	79	19	cash	cash	NOUN
fsr-3654	79	20	or	or	CCONJ
fsr-3654	79	21	checks	check	NOUN
fsr-3654	79	22	.	.	PUNCT
fsr-3654	80	1	previous	previous	ADJ
fsr-3654	80	2	work	work	NOUN
fsr-3654	80	3	has	have	AUX
fsr-3654	80	4	suggested	suggest	VERB
fsr-3654	80	5	that	that	SCONJ
fsr-3654	80	6	credit	credit	NOUN
fsr-3654	80	7	cards	card	NOUN
fsr-3654	80	8	primarily	primarily	ADV
fsr-3654	80	9	substitute	substitute	VERB
fsr-3654	80	10	for	for	ADP
fsr-3654	80	11	cash	cash	NOUN
fsr-3654	80	12	and	and	CCONJ
fsr-3654	80	13	as	as	ADP
fsr-3654	80	14	such	such	ADJ
fsr-3654	80	15	increase	increase	NOUN
fsr-3654	80	16	the	the	DET
fsr-3654	80	17	number	number	NOUN
fsr-3654	80	18	of	of	ADP
fsr-3654	80	19	checks	check	NOUN
fsr-3654	80	20	written	write	VERB
fsr-3654	80	21	(	(	PUNCT
fsr-3654	80	22	mandell	mandell	PROPN
fsr-3654	80	23	,	,	PUNCT
fsr-3654	80	24	1971	1971	NUM
fsr-3654	80	25	;	;	PUNCT
fsr-3654	80	26	murphy	murphy	PROPN
fsr-3654	80	27	determinants	determinant	NOUN
fsr-3654	80	28	of	of	ADP
fsr-3654	80	29	household	household	NOUN
fsr-3654	80	30	check	check	NOUN
fsr-3654	80	31	writing	write	VERB
fsr-3654	80	32	39	39	NUM
fsr-3654	80	33	table	table	NOUN
fsr-3654	80	34	1	1	NUM
fsr-3654	80	35	.	.	PUNCT
fsr-3654	81	1	variables	variable	NOUN
fsr-3654	81	2	used	use	VERB
fsr-3654	81	3	estimating	estimate	VERB
fsr-3654	81	4	model	model	NOUN
fsr-3654	81	5	variable	variable	ADJ
fsr-3654	81	6	description	description	NOUN
fsr-3654	81	7	lncks	lnck	NOUN
fsr-3654	81	8	lnhhinc	lnhhinc	VERB
fsr-3654	81	9	marr&emp	marr&emp	NOUN
fsr-3654	81	10	hsdipl	hsdipl	NOUN
fsr-3654	81	11	colldgr	colldgr	PROPN
fsr-3654	81	12	sex	sex	PROPN
fsr-3654	81	13	dirdep	dirdep	PROPN
fsr-3654	81	14	crcd	crcd	PROPN
fsr-3654	81	15	atmuse	atmuse	VERB
fsr-3654	81	16	intchk	intchk	ADJ
fsr-3654	81	17	chkfee	chkfee	NOUN
fsr-3654	81	18	natural	natural	ADJ
fsr-3654	81	19	logarithm	logarithm	NOUN
fsr-3654	81	20	of	of	ADP
fsr-3654	81	21	the	the	DET
fsr-3654	81	22	number	number	NOUN
fsr-3654	81	23	of	of	ADP
fsr-3654	81	24	checks	check	NOUN
fsr-3654	81	25	written	write	VERB
fsr-3654	81	26	per	per	ADP
fsr-3654	81	27	month	month	NOUN
fsr-3654	81	28	per	per	ADP
fsr-3654	81	29	household	household	NOUN
fsr-3654	81	30	natural	natural	ADJ
fsr-3654	81	31	logarithm	logarithm	NOUN
fsr-3654	81	32	of	of	ADP
fsr-3654	81	33	the	the	DET
fsr-3654	81	34	annual	annual	ADJ
fsr-3654	81	35	household	household	NOUN
fsr-3654	81	36	income	income	NOUN
fsr-3654	81	37	takes	take	VERB
fsr-3654	81	38	a	a	DET
fsr-3654	81	39	value	value	NOUN
fsr-3654	81	40	of	of	ADP
fsr-3654	81	41	1	1	NUM
fsr-3654	81	42	if	if	SCONJ
fsr-3654	81	43	head	head	NOUN
fsr-3654	81	44	of	of	ADP
fsr-3654	81	45	household	household	NOUN
fsr-3654	81	46	is	be	AUX
fsr-3654	81	47	married	marry	VERB
fsr-3654	81	48	and	and	CCONJ
fsr-3654	81	49	employed	employ	VERB
fsr-3654	81	50	,	,	PUNCT
fsr-3654	81	51	0	0	NUM
fsr-3654	81	52	for	for	SCONJ
fsr-3654	81	53	all	all	DET
fsr-3654	81	54	others	other	NOUN
fsr-3654	81	55	takes	take	VERB
fsr-3654	81	56	a	a	DET
fsr-3654	81	57	value	value	NOUN
fsr-3654	81	58	of	of	ADP
fsr-3654	81	59	1	1	NUM
fsr-3654	81	60	if	if	SCONJ
fsr-3654	81	61	head	head	NOUN
fsr-3654	81	62	of	of	ADP
fsr-3654	81	63	household	household	NOUN
fsr-3654	81	64	has	have	VERB
fsr-3654	81	65	high	high	ADJ
fsr-3654	81	66	school	school	NOUN
fsr-3654	81	67	diploma	diploma	NOUN
fsr-3654	81	68	,	,	PUNCT
fsr-3654	81	69	0	0	NUM
fsr-3654	81	70	for	for	SCONJ
fsr-3654	81	71	all	all	DET
fsr-3654	81	72	others	other	NOUN
fsr-3654	81	73	takes	take	VERB
fsr-3654	81	74	a	a	DET
fsr-3654	81	75	value	value	NOUN
fsr-3654	81	76	of	of	ADP
fsr-3654	81	77	1	1	NUM
fsr-3654	81	78	if	if	SCONJ
fsr-3654	81	79	head	head	NOUN
fsr-3654	81	80	of	of	ADP
fsr-3654	81	81	household	household	NOUN
fsr-3654	81	82	had	have	VERB
fsr-3654	81	83	a	a	DET
fsr-3654	81	84	college	college	NOUN
fsr-3654	81	85	degree	degree	NOUN
fsr-3654	81	86	,	,	PUNCT
fsr-3654	81	87	0	0	NUM
fsr-3654	81	88	for	for	SCONJ
fsr-3654	81	89	all	all	DET
fsr-3654	81	90	others	other	NOUN
fsr-3654	81	91	takes	take	VERB
fsr-3654	81	92	a	a	DET
fsr-3654	81	93	value	value	NOUN
fsr-3654	81	94	of	of	ADP
fsr-3654	81	95	1	1	NUM
fsr-3654	81	96	if	if	SCONJ
fsr-3654	81	97	payroll	payroll	NOUN
fsr-3654	81	98	or	or	CCONJ
fsr-3654	81	99	social	social	ADJ
fsr-3654	81	100	security	security	NOUN
fsr-3654	81	101	payments	payment	NOUN
fsr-3654	81	102	are	be	AUX
fsr-3654	81	103	received	receive	VERB
fsr-3654	81	104	via	via	ADP
fsr-3654	81	105	direct	direct	ADJ
fsr-3654	81	106	deposit	deposit	NOUN
fsr-3654	81	107	takes	take	VERB
fsr-3654	81	108	a	a	DET
fsr-3654	81	109	value	value	NOUN
fsr-3654	81	110	of	of	ADP
fsr-3654	81	111	1	1	NUM
fsr-3654	81	112	if	if	SCONJ
fsr-3654	81	113	payroll	payroll	NOUN
fsr-3654	81	114	or	or	CCONJ
fsr-3654	81	115	social	social	ADJ
fsr-3654	81	116	security	security	NOUN
fsr-3654	81	117	payments	payment	NOUN
fsr-3654	81	118	are	be	AUX
fsr-3654	81	119	received	receive	VERB
fsr-3654	81	120	via	via	ADP
fsr-3654	81	121	direct	direct	ADJ
fsr-3654	81	122	deposit	deposit	NOUN
fsr-3654	81	123	number	number	NOUN
fsr-3654	81	124	of	of	ADP
fsr-3654	81	125	credit	credit	NOUN
fsr-3654	81	126	cards	card	NOUN
fsr-3654	81	127	used	use	VERB
fsr-3654	81	128	by	by	ADP
fsr-3654	81	129	household	household	NOUN
fsr-3654	81	130	takes	take	VERB
fsr-3654	81	131	a	a	DET
fsr-3654	81	132	value	value	NOUN
fsr-3654	81	133	of	of	ADP
fsr-3654	81	134	1	1	NUM
fsr-3654	81	135	if	if	SCONJ
fsr-3654	81	136	household	household	NOUN
fsr-3654	81	137	uses	use	VERB
fsr-3654	81	138	atm	atm	PROPN
fsr-3654	81	139	,	,	PUNCT
fsr-3654	81	140	0	0	NUM
fsr-3654	81	141	for	for	SCONJ
fsr-3654	81	142	all	all	DET
fsr-3654	81	143	others	other	NOUN
fsr-3654	81	144	takes	take	VERB
fsr-3654	81	145	a	a	DET
fsr-3654	81	146	value	value	NOUN
fsr-3654	81	147	of	of	ADP
fsr-3654	81	148	1	1	NUM
fsr-3654	81	149	if	if	SCONJ
fsr-3654	81	150	interest	interest	NOUN
fsr-3654	81	151	is	be	AUX
fsr-3654	81	152	received	receive	VERB
fsr-3654	81	153	on	on	ADP
fsr-3654	81	154	checking	check	VERB
fsr-3654	81	155	account	account	NOUN
fsr-3654	81	156	,	,	PUNCT
fsr-3654	81	157	0	0	NUM
fsr-3654	81	158	for	for	SCONJ
fsr-3654	81	159	all	all	DET
fsr-3654	81	160	others	other	NOUN
fsr-3654	81	161	takes	take	VERB
fsr-3654	81	162	a	a	DET
fsr-3654	81	163	value	value	NOUN
fsr-3654	81	164	of	of	ADP
fsr-3654	81	165	1	1	NUM
fsr-3654	81	166	if	if	SCONJ
fsr-3654	81	167	service	service	NOUN
fsr-3654	81	168	charges	charge	NOUN
fsr-3654	81	169	are	be	AUX
fsr-3654	81	170	based	base	VERB
fsr-3654	81	171	upon	upon	SCONJ
fsr-3654	81	172	the	the	DET
fsr-3654	81	173	number	number	NOUN
fsr-3654	81	174	of	of	ADP
fsr-3654	81	175	checks	check	NOUN
fsr-3654	81	176	written	write	VERB
fsr-3654	81	177	,	,	PUNCT
fsr-3654	81	178	0	0	NUM
fsr-3654	81	179	for	for	ADP
fsr-3654	81	180	all	all	DET
fsr-3654	81	181	others	other	NOUN
fsr-3654	81	182	1979	1979	NUM
fsr-3654	81	183	)	)	PUNCT
fsr-3654	81	184	.	.	PUNCT
fsr-3654	82	1	that	that	PRON
fsr-3654	82	2	is	be	AUX
fsr-3654	82	3	,	,	PUNCT
fsr-3654	82	4	more	more	ADJ
fsr-3654	82	5	checks	check	NOUN
fsr-3654	82	6	are	be	AUX
fsr-3654	82	7	written	write	VERB
fsr-3654	82	8	to	to	PART
fsr-3654	82	9	pay	pay	VERB
fsr-3654	82	10	the	the	DET
fsr-3654	82	11	credit	credit	NOUN
fsr-3654	82	12	card	card	NOUN
fsr-3654	82	13	bills	bill	NOUN
fsr-3654	82	14	than	than	SCONJ
fsr-3654	82	15	are	be	AUX
fsr-3654	82	16	displaced	displace	VERB
fsr-3654	82	17	at	at	ADP
fsr-3654	82	18	the	the	DET
fsr-3654	82	19	point	point	NOUN
fsr-3654	82	20	of	of	ADP
fsr-3654	82	21	sale	sale	NOUN
fsr-3654	82	22	.	.	PUNCT
fsr-3654	83	1	since	since	SCONJ
fsr-3654	83	2	the	the	DET
fsr-3654	83	3	implementation	implementation	NOUN
fsr-3654	83	4	of	of	ADP
fsr-3654	83	5	nationwide	nationwide	ADJ
fsr-3654	83	6	now	now	ADV
fsr-3654	83	7	accounts	account	NOUN
fsr-3654	83	8	,	,	PUNCT
fsr-3654	83	9	households	household	NOUN
fsr-3654	83	10	have	have	AUX
fsr-3654	83	11	faced	face	VERB
fsr-3654	83	12	an	an	DET
fsr-3654	83	13	array	array	NOUN
fsr-3654	83	14	of	of	ADP
fsr-3654	83	15	pricing	pricing	NOUN
fsr-3654	83	16	arrangements	arrangement	NOUN
fsr-3654	83	17	.	.	PUNCT
fsr-3654	84	1	these	these	PRON
fsr-3654	84	2	involve	involve	VERB
fsr-3654	84	3	interest	interest	NOUN
fsr-3654	84	4	payments	payment	NOUN
fsr-3654	84	5	,	,	PUNCT
fsr-3654	84	6	service	service	NOUN
fsr-3654	84	7	charges	charge	NOUN
fsr-3654	84	8	imposed	impose	VERB
fsr-3654	84	9	on	on	ADP
fsr-3654	84	10	a	a	DET
fsr-3654	84	11	flat	flat	ADJ
fsr-3654	84	12	fee	fee	NOUN
fsr-3654	84	13	basis	basis	NOUN
fsr-3654	84	14	when	when	SCONJ
fsr-3654	84	15	a	a	DET
fsr-3654	84	16	certain	certain	ADJ
fsr-3654	84	17	balance	balance	NOUN
fsr-3654	84	18	is	be	AUX
fsr-3654	84	19	not	not	PART
fsr-3654	84	20	maintained	maintain	VERB
fsr-3654	84	21	,	,	PUNCT
fsr-3654	84	22	service	service	NOUN
fsr-3654	84	23	charges	charge	NOUN
fsr-3654	84	24	tied	tie	VERB
fsr-3654	84	25	to	to	ADP
fsr-3654	84	26	the	the	DET
fsr-3654	84	27	number	number	NOUN
fsr-3654	84	28	of	of	ADP
fsr-3654	84	29	checks	check	NOUN
fsr-3654	84	30	written	write	VERB
fsr-3654	84	31	sometimes	sometimes	ADV
fsr-3654	84	32	contingent	contingent	ADJ
fsr-3654	84	33	upon	upon	SCONJ
fsr-3654	84	34	a	a	DET
fsr-3654	84	35	certain	certain	ADJ
fsr-3654	84	36	balance	balance	NOUN
fsr-3654	84	37	being	be	AUX
fsr-3654	84	38	maintained	maintain	VERB
fsr-3654	84	39	,	,	PUNCT
fsr-3654	84	40	and	and	CCONJ
fsr-3654	84	41	various	various	ADJ
fsr-3654	84	42	combinations	combination	NOUN
fsr-3654	84	43	thereof	thereof	ADV
fsr-3654	84	44	.	.	PUNCT
fsr-3654	85	1	in	in	ADP
fsr-3654	85	2	some	some	DET
fsr-3654	85	3	cases	case	NOUN
fsr-3654	85	4	,	,	PUNCT
fsr-3654	85	5	the	the	DET
fsr-3654	85	6	same	same	ADJ
fsr-3654	85	7	bank	bank	NOUN
fsr-3654	85	8	offers	offer	VERB
fsr-3654	85	9	as	as	ADV
fsr-3654	85	10	many	many	ADJ
fsr-3654	85	11	as	as	ADP
fsr-3654	85	12	five	five	NUM
fsr-3654	85	13	or	or	CCONJ
fsr-3654	85	14	six	six	NUM
fsr-3654	85	15	configurations	configuration	NOUN
fsr-3654	85	16	(	(	PUNCT
fsr-3654	85	17	dunham	dunham	PROPN
fsr-3654	85	18	,	,	PUNCT
fsr-3654	85	19	1983	1983	NUM
fsr-3654	85	20	)	)	PUNCT
fsr-3654	85	21	.	.	PUNCT
fsr-3654	86	1	because	because	SCONJ
fsr-3654	86	2	so	so	ADV
fsr-3654	86	3	many	many	ADJ
fsr-3654	86	4	configurations	configuration	NOUN
fsr-3654	86	5	exist	exist	VERB
fsr-3654	86	6	,	,	PUNCT
fsr-3654	86	7	it	it	PRON
fsr-3654	86	8	is	be	AUX
fsr-3654	86	9	possible	possible	ADJ
fsr-3654	86	10	to	to	PART
fsr-3654	86	11	observe	observe	VERB
fsr-3654	86	12	differing	differ	VERB
fsr-3654	86	13	costs	cost	NOUN
fsr-3654	86	14	to	to	PART
fsr-3654	86	15	check	check	VERB
fsr-3654	86	16	writing	writing	NOUN
fsr-3654	86	17	in	in	ADP
fsr-3654	86	18	the	the	DET
fsr-3654	86	19	resulting	result	VERB
fsr-3654	86	20	sample	sample	NOUN
fsr-3654	86	21	.	.	PUNCT
fsr-3654	87	1	for	for	ADP
fsr-3654	87	2	purposes	purpose	NOUN
fsr-3654	87	3	of	of	ADP
fsr-3654	87	4	this	this	DET
fsr-3654	87	5	study	study	NOUN
fsr-3654	87	6	,	,	PUNCT
fsr-3654	87	7	two	two	NUM
fsr-3654	87	8	pricing	pricing	NOUN
fsr-3654	87	9	variables	variable	NOUN
fsr-3654	87	10	were	be	AUX
fsr-3654	87	11	specified	specify	VERB
fsr-3654	87	12	.	.	PUNCT
fsr-3654	88	1	1	1	X
fsr-3654	88	2	.	.	X
fsr-3654	88	3	the	the	DET
fsr-3654	88	4	payment	payment	NOUN
fsr-3654	88	5	of	of	ADP
fsr-3654	88	6	interest	interest	NOUN
fsr-3654	88	7	was	be	AUX
fsr-3654	88	8	noted	note	VERB
fsr-3654	88	9	.	.	PUNCT
fsr-3654	89	1	if	if	SCONJ
fsr-3654	89	2	a	a	DET
fsr-3654	89	3	household	household	NOUN
fsr-3654	89	4	receives	receive	VERB
fsr-3654	89	5	interest	interest	NOUN
fsr-3654	89	6	on	on	ADP
fsr-3654	89	7	deposit	deposit	NOUN
fsr-3654	89	8	balances	balance	NOUN
fsr-3654	89	9	,	,	PUNCT
fsr-3654	89	10	there	there	PRON
fsr-3654	89	11	is	be	VERB
fsr-3654	89	12	some	some	DET
fsr-3654	89	13	incentive	incentive	NOUN
fsr-3654	89	14	to	to	PART
fsr-3654	89	15	keep	keep	VERB
fsr-3654	89	16	funds	fund	NOUN
fsr-3654	89	17	invested	invest	VERB
fsr-3654	89	18	for	for	ADP
fsr-3654	89	19	as	as	ADV
fsr-3654	89	20	long	long	ADV
fsr-3654	89	21	as	as	ADP
fsr-3654	89	22	possible	possible	ADJ
fsr-3654	89	23	.	.	PUNCT
fsr-3654	90	1	since	since	SCONJ
fsr-3654	90	2	each	each	DET
fsr-3654	90	3	check	check	NOUN
fsr-3654	90	4	removes	remove	VERB
fsr-3654	90	5	interest	interest	NOUN
fsr-3654	90	6	bearing	bear	VERB
fsr-3654	90	7	funds	fund	NOUN
fsr-3654	90	8	from	from	ADP
fsr-3654	90	9	the	the	DET
fsr-3654	90	10	account	account	NOUN
fsr-3654	90	11	,	,	PUNCT
fsr-3654	90	12	there	there	PRON
fsr-3654	90	13	may	may	AUX
fsr-3654	90	14	be	be	AUX
fsr-3654	90	15	an	an	DET
fsr-3654	90	16	incentive	incentive	NOUN
fsr-3654	90	17	to	to	PART
fsr-3654	90	18	write	write	VERB
fsr-3654	90	19	fewer	few	ADJ
fsr-3654	90	20	checks	check	NOUN
fsr-3654	90	21	.	.	PUNCT
fsr-3654	91	1	of	of	ADP
fsr-3654	91	2	course	course	NOUN
fsr-3654	91	3	,	,	PUNCT
fsr-3654	91	4	the	the	DET
fsr-3654	91	5	same	same	ADJ
fsr-3654	91	6	number	number	NOUN
fsr-3654	91	7	of	of	ADP
fsr-3654	91	8	checks	check	NOUN
fsr-3654	91	9	may	may	AUX
fsr-3654	91	10	be	be	AUX
fsr-3654	91	11	written	write	VERB
fsr-3654	91	12	for	for	ADP
fsr-3654	91	13	a	a	DET
fsr-3654	91	14	different	different	ADJ
fsr-3654	91	15	time	time	NOUN
fsr-3654	91	16	pattern	pattern	NOUN
fsr-3654	91	17	.	.	PUNCT
fsr-3654	92	1	40	40	NUM
fsr-3654	92	2	financial	financial	ADJ
fsr-3654	92	3	services	service	NOUN
fsr-3654	92	4	review	review	NOUN
fsr-3654	92	5	,	,	PUNCT
fsr-3654	92	6	l(1	l(1	PROPN
fsr-3654	92	7	)	)	PUNCT
fsr-3654	92	8	1991	1991	NUM
fsr-3654	92	9	2	2	NUM
fsr-3654	92	10	.	.	PUNCT
fsr-3654	93	1	the	the	DET
fsr-3654	93	2	basing	basing	NOUN
fsr-3654	93	3	of	of	ADP
fsr-3654	93	4	service	service	NOUN
fsr-3654	93	5	charges	charge	NOUN
fsr-3654	93	6	on	on	ADP
fsr-3654	93	7	the	the	DET
fsr-3654	93	8	number	number	NOUN
fsr-3654	93	9	of	of	ADP
fsr-3654	93	10	checks	check	NOUN
fsr-3654	93	11	written	write	VERB
fsr-3654	93	12	was	be	AUX
fsr-3654	93	13	noted	note	VERB
fsr-3654	93	14	also	also	ADV
fsr-3654	93	15	.	.	PUNCT
fsr-3654	94	1	holding	hold	VERB
fsr-3654	94	2	constant	constant	ADJ
fsr-3654	94	3	all	all	DET
fsr-3654	94	4	other	other	ADJ
fsr-3654	94	5	factors	factor	NOUN
fsr-3654	94	6	,	,	PUNCT
fsr-3654	94	7	it	it	PRON
fsr-3654	94	8	is	be	AUX
fsr-3654	94	9	expected	expect	VERB
fsr-3654	94	10	that	that	SCONJ
fsr-3654	94	11	households	household	NOUN
fsr-3654	94	12	that	that	PRON
fsr-3654	94	13	are	be	AUX
fsr-3654	94	14	charged	charge	VERB
fsr-3654	94	15	on	on	ADP
fsr-3654	94	16	a	a	DET
fsr-3654	94	17	per	per	X
fsr-3654	94	18	check	check	NOUN
fsr-3654	94	19	basis	basis	NOUN
fsr-3654	94	20	would	would	AUX
fsr-3654	94	21	write	write	VERB
fsr-3654	94	22	fewer	few	ADJ
fsr-3654	94	23	checks	check	NOUN
fsr-3654	94	24	than	than	ADP
fsr-3654	94	25	households	household	NOUN
fsr-3654	94	26	with	with	ADP
fsr-3654	94	27	either	either	CCONJ
fsr-3654	94	28	no	no	DET
fsr-3654	94	29	service	service	NOUN
fsr-3654	94	30	charges	charge	NOUN
fsr-3654	94	31	or	or	CCONJ
fsr-3654	94	32	flat	flat	ADJ
fsr-3654	94	33	rate	rate	NOUN
fsr-3654	94	34	service	service	NOUN
fsr-3654	94	35	charges	charge	NOUN
fsr-3654	94	36	.	.	PUNCT
fsr-3654	95	1	on	on	ADP
fsr-3654	95	2	the	the	DET
fsr-3654	95	3	one	one	NUM
fsr-3654	95	4	hand	hand	NOUN
fsr-3654	95	5	banks	bank	NOUN
fsr-3654	95	6	wish	wish	VERB
fsr-3654	95	7	to	to	PART
fsr-3654	95	8	institute	institute	VERB
fsr-3654	95	9	service	service	NOUN
fsr-3654	95	10	charges	charge	NOUN
fsr-3654	95	11	that	that	PRON
fsr-3654	95	12	recover	recover	VERB
fsr-3654	95	13	costs	cost	NOUN
fsr-3654	95	14	.	.	PUNCT
fsr-3654	96	1	this	this	PRON
fsr-3654	96	2	would	would	AUX
fsr-3654	96	3	lead	lead	VERB
fsr-3654	96	4	to	to	ADP
fsr-3654	96	5	service	service	NOUN
fsr-3654	96	6	charges	charge	NOUN
fsr-3654	96	7	based	base	VERB
fsr-3654	96	8	on	on	ADP
fsr-3654	96	9	activity	activity	NOUN
fsr-3654	96	10	.	.	PUNCT
fsr-3654	97	1	on	on	ADP
fsr-3654	97	2	the	the	DET
fsr-3654	97	3	other	other	ADJ
fsr-3654	97	4	hand	hand	NOUN
fsr-3654	97	5	,	,	PUNCT
fsr-3654	97	6	banks	bank	NOUN
fsr-3654	97	7	wish	wish	VERB
fsr-3654	97	8	to	to	PART
fsr-3654	97	9	simplify	simplify	VERB
fsr-3654	97	10	account	account	NOUN
fsr-3654	97	11	pricing	pricing	NOUN
fsr-3654	97	12	so	so	SCONJ
fsr-3654	97	13	as	as	SCONJ
fsr-3654	97	14	not	not	PART
fsr-3654	97	15	confuse	confuse	VERB
fsr-3654	97	16	and	and	CCONJ
fsr-3654	97	17	annoy	annoy	VERB
fsr-3654	97	18	customers	customer	NOUN
fsr-3654	97	19	,	,	PUNCT
fsr-3654	97	20	which	which	PRON
fsr-3654	97	21	would	would	AUX
fsr-3654	97	22	lead	lead	VERB
fsr-3654	97	23	to	to	ADP
fsr-3654	97	24	flat	flat	ADJ
fsr-3654	97	25	service	service	NOUN
fsr-3654	97	26	charges	charge	NOUN
fsr-3654	97	27	.	.	PUNCT
fsr-3654	98	1	the	the	DET
fsr-3654	98	2	variables	variable	NOUN
fsr-3654	98	3	used	use	VERB
fsr-3654	98	4	in	in	ADP
fsr-3654	98	5	the	the	DET
fsr-3654	98	6	model	model	NOUN
fsr-3654	98	7	are	be	AUX
fsr-3654	98	8	described	describe	VERB
fsr-3654	98	9	in	in	ADP
fsr-3654	98	10	table	table	NOUN
fsr-3654	98	11	1	1	NUM
fsr-3654	98	12	.	.	X
fsr-3654	98	13	ii	ii	PROPN
fsr-3654	98	14	.	.	PUNCT
fsr-3654	99	1	statistical	statistical	ADJ
fsr-3654	99	2	results	result	NOUN
fsr-3654	99	3	the	the	DET
fsr-3654	99	4	model	model	NOUN
fsr-3654	99	5	is	be	AUX
fsr-3654	99	6	estimated	estimate	VERB
fsr-3654	99	7	using	use	VERB
fsr-3654	99	8	ordinary	ordinary	ADJ
fsr-3654	99	9	least	least	ADJ
fsr-3654	99	10	squares	square	NOUN
fsr-3654	99	11	with	with	ADP
fsr-3654	99	12	both	both	CCONJ
fsr-3654	99	13	the	the	DET
fsr-3654	99	14	dependent	dependent	ADJ
fsr-3654	99	15	variable	variable	NOUN
fsr-3654	99	16	and	and	CCONJ
fsr-3654	99	17	household	household	NOUN
fsr-3654	99	18	income	income	NOUN
fsr-3654	99	19	in	in	ADP
fsr-3654	99	20	logarithmic	logarithmic	ADJ
fsr-3654	99	21	form	form	NOUN
fsr-3654	99	22	.	.	PUNCT
fsr-3654	100	1	this	this	DET
fsr-3654	100	2	specification	specification	NOUN
fsr-3654	100	3	gives	give	VERB
fsr-3654	100	4	the	the	DET
fsr-3654	100	5	best	good	ADJ
fsr-3654	100	6	statistical	statistical	ADJ
fsr-3654	100	7	results	result	NOUN
fsr-3654	100	8	and	and	CCONJ
fsr-3654	100	9	is	be	AUX
fsr-3654	100	10	consistent	consistent	ADJ
fsr-3654	100	11	with	with	ADP
fsr-3654	100	12	the	the	DET
fsr-3654	100	13	results	result	NOUN
fsr-3654	100	14	of	of	ADP
fsr-3654	100	15	previous	previous	ADJ
fsr-3654	100	16	studies	study	NOUN
fsr-3654	100	17	(	(	PUNCT
fsr-3654	100	18	murphy	murphy	NOUN
fsr-3654	100	19	,	,	PUNCT
fsr-3654	100	20	1979	1979	NUM
fsr-3654	100	21	)	)	PUNCT
fsr-3654	100	22	.	.	PUNCT
fsr-3654	101	1	moreover	moreover	ADV
fsr-3654	101	2	,	,	PUNCT
fsr-3654	101	3	the	the	DET
fsr-3654	101	4	dependent	dependent	ADJ
fsr-3654	101	5	variable	variable	NOUN
fsr-3654	101	6	is	be	AUX
fsr-3654	101	7	measured	measure	VERB
fsr-3654	101	8	in	in	ADP
fsr-3654	101	9	number	number	NOUN
fsr-3654	101	10	of	of	ADP
fsr-3654	101	11	checks	check	NOUN
fsr-3654	101	12	per	per	ADP
fsr-3654	101	13	month	month	NOUN
fsr-3654	101	14	while	while	SCONJ
fsr-3654	101	15	the	the	DET
fsr-3654	101	16	income	income	NOUN
fsr-3654	101	17	variable	variable	NOUN
fsr-3654	101	18	is	be	AUX
fsr-3654	101	19	measured	measure	VERB
fsr-3654	101	20	in	in	ADP
fsr-3654	101	21	dollars	dollar	NOUN
fsr-3654	101	22	per	per	ADP
fsr-3654	101	23	year	year	NOUN
fsr-3654	101	24	.	.	PUNCT
fsr-3654	102	1	in	in	ADP
fsr-3654	102	2	table	table	NOUN
fsr-3654	102	3	2	2	NUM
fsr-3654	102	4	,	,	PUNCT
fsr-3654	102	5	the	the	DET
fsr-3654	102	6	means	mean	NOUN
fsr-3654	102	7	and	and	CCONJ
fsr-3654	102	8	standard	standard	ADJ
fsr-3654	102	9	deviations	deviation	NOUN
fsr-3654	102	10	of	of	ADP
fsr-3654	102	11	the	the	DET
fsr-3654	102	12	variables	variable	NOUN
fsr-3654	102	13	are	be	AUX
fsr-3654	102	14	shown	show	VERB
fsr-3654	102	15	.	.	PUNCT
fsr-3654	103	1	the	the	DET
fsr-3654	103	2	logarithmic	logarithmic	ADJ
fsr-3654	103	3	transformation	transformation	NOUN
fsr-3654	103	4	changes	change	VERB
fsr-3654	103	5	the	the	DET
fsr-3654	103	6	dimensions	dimension	NOUN
fsr-3654	103	7	of	of	ADP
fsr-3654	103	8	the	the	DET
fsr-3654	103	9	variables	variable	NOUN
fsr-3654	103	10	so	so	SCONJ
fsr-3654	103	11	that	that	SCONJ
fsr-3654	103	12	they	they	PRON
fsr-3654	103	13	are	be	AUX
fsr-3654	103	14	more	more	ADV
fsr-3654	103	15	comparable	comparable	ADJ
fsr-3654	103	16	,	,	PUNCT
fsr-3654	103	17	and	and	CCONJ
fsr-3654	103	18	the	the	DET
fsr-3654	103	19	coefficient	coefficient	NOUN
fsr-3654	103	20	is	be	AUX
fsr-3654	103	21	interpreted	interpret	VERB
fsr-3654	103	22	as	as	ADP
fsr-3654	103	23	an	an	DET
fsr-3654	103	24	elasticity	elasticity	NOUN
fsr-3654	103	25	.	.	PUNCT
fsr-3654	104	1	as	as	SCONJ
fsr-3654	104	2	shown	show	VERB
fsr-3654	104	3	in	in	ADP
fsr-3654	104	4	table	table	NOUN
fsr-3654	104	5	3	3	NUM
fsr-3654	104	6	,	,	PUNCT
fsr-3654	104	7	the	the	DET
fsr-3654	104	8	overall	overall	ADJ
fsr-3654	104	9	performance	performance	NOUN
fsr-3654	104	10	of	of	ADP
fsr-3654	104	11	the	the	DET
fsr-3654	104	12	model	model	NOUN
fsr-3654	104	13	indicates	indicate	VERB
fsr-3654	104	14	that	that	SCONJ
fsr-3654	104	15	check	check	NOUN
fsr-3654	104	16	writing	writing	NOUN
fsr-3654	104	17	is	be	AUX
fsr-3654	104	18	subject	subject	ADJ
fsr-3654	104	19	to	to	ADP
fsr-3654	104	20	random	random	ADJ
fsr-3654	104	21	determinants	determinant	NOUN
fsr-3654	104	22	or	or	CCONJ
fsr-3654	104	23	is	be	AUX
fsr-3654	104	24	influenced	influence	VERB
fsr-3654	104	25	by	by	ADP
fsr-3654	104	26	variables	variable	NOUN
fsr-3654	104	27	not	not	PART
fsr-3654	104	28	measured	measure	VERB
fsr-3654	104	29	here	here	ADV
fsr-3654	104	30	.	.	PUNCT
fsr-3654	105	1	the	the	DET
fsr-3654	105	2	model	model	NOUN
fsr-3654	105	3	is	be	AUX
fsr-3654	105	4	statistically	statistically	ADV
fsr-3654	105	5	significant	significant	ADJ
fsr-3654	105	6	as	as	SCONJ
fsr-3654	105	7	indicated	indicate	VERB
fsr-3654	105	8	by	by	ADP
fsr-3654	105	9	the	the	DET
fsr-3654	105	10	f	f	PROPN
fsr-3654	105	11	statistic	statistic	NOUN
fsr-3654	105	12	of	of	ADP
fsr-3654	105	13	36.5	36.5	NUM
fsr-3654	105	14	.	.	PUNCT
fsr-3654	106	1	however	however	ADV
fsr-3654	106	2	,	,	PUNCT
fsr-3654	106	3	the	the	DET
fsr-3654	106	4	coefficient	coefficient	NOUN
fsr-3654	106	5	of	of	ADP
fsr-3654	106	6	determination	determination	NOUN
fsr-3654	106	7	(	(	PUNCT
fsr-3654	106	8	r	r	NOUN
fsr-3654	106	9	-	-	PUNCT
fsr-3654	106	10	square	square	NOUN
fsr-3654	106	11	)	)	PUNCT
fsr-3654	106	12	is	be	AUX
fsr-3654	106	13	only	only	ADV
fsr-3654	106	14	.1874	.1874	NOUN
fsr-3654	106	15	.	.	PUNCT
fsr-3654	107	1	table	table	NOUN
fsr-3654	107	2	2	2	NUM
fsr-3654	107	3	.	.	NUM
fsr-3654	107	4	means	mean	NOUN
fsr-3654	107	5	and	and	CCONJ
fsr-3654	107	6	standard	standard	ADJ
fsr-3654	107	7	deviations	deviation	NOUN
fsr-3654	107	8	of	of	ADP
fsr-3654	107	9	variables	variable	NOUN
fsr-3654	107	10	in	in	ADP
fsr-3654	107	11	equation	equation	NOUN
fsr-3654	107	12	variable	variable	NOUN
fsr-3654	107	13	mean	mean	VERB
fsr-3654	107	14	standard	standard	ADJ
fsr-3654	107	15	deviation	deviation	NOUN
fsr-3654	107	16	lncks	lnck	VERB
fsr-3654	107	17	13.2701	13.2701	NUM
fsr-3654	107	18	2.3960	2.3960	NUM
fsr-3654	107	19	lnhhinc	lnhhinc	NOUN
fsr-3654	107	20	20,075.46	20,075.46	NUM
fsr-3654	107	21	2.1908	2.1908	NUM
fsr-3654	107	22	marr&emp	marr&emp	NOUN
fsr-3654	107	23	.5334	.5334	PROPN
fsr-3654	107	24	.4990	.4990	PROPN
fsr-3654	108	1	hsdipl	hsdipl	PROPN
fsr-3654	108	2	.5143	.5143	PROPN
fsr-3654	108	3	.4999	.4999	PROPN
fsr-3654	108	4	coldgr	coldgr	PROPN
fsr-3654	108	5	.2835	.2835	PROPN
fsr-3654	109	1	.4508	.4508	ADJ
fsr-3654	109	2	sex	sex	NOUN
fsr-3654	109	3	.7842	.7842	NOUN
fsr-3654	109	4	.4114	.4114	PROPN
fsr-3654	109	5	dirdep	dirdep	PROPN
fsr-3654	109	6	.2102	.2102	PROPN
fsr-3654	110	1	.4076	.4076	NOUN
fsr-3654	110	2	crcd	crcd	PROPN
fsr-3654	110	3	3.8042	3.8042	NUM
fsr-3654	110	4	4.2439	4.2439	NUM
fsr-3654	110	5	atmuse	atmuse	NOUN
fsr-3654	110	6	.2533	.2533	NOUN
fsr-3654	110	7	.4350	.4350	PROPN
fsr-3654	110	8	intchk	intchk	ADJ
fsr-3654	110	9	.3196	.3196	PROPN
fsr-3654	110	10	.4664	.4664	PROPN
fsr-3654	111	1	chkfee	chkfee	PROPN
fsr-3654	111	2	.1671	.1671	PROPN
fsr-3654	111	3	.3731	.3731	NOUN
fsr-3654	111	4	note	note	NOUN
fsr-3654	111	5	:	:	PUNCT
fsr-3654	111	6	geometric	geometric	ADJ
fsr-3654	111	7	mean	mean	NOUN
fsr-3654	111	8	is	be	AUX
fsr-3654	111	9	computed	compute	VERB
fsr-3654	111	10	for	for	ADP
fsr-3654	111	11	lncks	lnck	NOUN
fsr-3654	111	12	and	and	CCONJ
fsr-3654	111	13	lnhhinc	lnhhinc	VERB
fsr-3654	111	14	since	since	SCONJ
fsr-3654	111	15	variable	variable	NOUN
fsr-3654	111	16	is	be	AUX
fsr-3654	111	17	measured	measure	VERB
fsr-3654	111	18	in	in	ADP
fsr-3654	111	19	natural	natural	ADJ
fsr-3654	111	20	logarithms	logarithm	NOUN
fsr-3654	111	21	.	.	PUNCT
fsr-3654	112	1	determinants	determinant	NOUN
fsr-3654	112	2	of	of	ADP
fsr-3654	112	3	household	household	NOUN
fsr-3654	112	4	check	check	NOUN
fsr-3654	112	5	writing	write	VERB
fsr-3654	112	6	41	41	NUM
fsr-3654	112	7	table	table	NOUN
fsr-3654	112	8	3	3	NUM
fsr-3654	112	9	.	.	PUNCT
fsr-3654	113	1	regression	regression	NOUN
fsr-3654	113	2	results	result	NOUN
fsr-3654	113	3	for	for	ADP
fsr-3654	113	4	determinants	determinant	NOUN
fsr-3654	113	5	of	of	ADP
fsr-3654	113	6	checks	check	NOUN
fsr-3654	113	7	written	write	VERB
fsr-3654	113	8	(	(	PUNCT
fsr-3654	113	9	dependent	dependent	ADJ
fsr-3654	113	10	variable	variable	NOUN
fsr-3654	113	11	is	be	AUX
fsr-3654	113	12	lncks	lnck	NOUN
fsr-3654	113	13	)	)	PUNCT
fsr-3654	113	14	variable	variable	NOUN
fsr-3654	113	15	intercept	intercept	NOUN
fsr-3654	113	16	lnhhinc	lnhhinc	NOUN
fsr-3654	113	17	marr&emp	marr&emp	NOUN
fsr-3654	113	18	coefficient	coefficient	NOUN
fsr-3654	113	19	(	(	PUNCT
fsr-3654	113	20	t	t	NOUN
fsr-3654	113	21	-	-	PUNCT
fsr-3654	113	22	statistic	statistic	NOUN
fsr-3654	113	23	)	)	PUNCT
fsr-3654	113	24	-.467	-.467	PROPN
fsr-3654	113	25	(	(	PUNCT
fsr-3654	113	26	-1.422	-1.422	NUM
fsr-3654	113	27	)	)	PUNCT
fsr-3654	113	28	.264	.264	NUM
fsr-3654	113	29	(	(	PUNCT
fsr-3654	113	30	7.434	7.434	NUM
fsr-3654	113	31	)	)	PUNCT
fsr-3654	113	32	.268	.268	NUM
fsr-3654	113	33	hsdipl	hsdipl	NOUN
fsr-3654	113	34	colldgr	colldgr	PROPN
fsr-3654	113	35	sex	sex	PROPN
fsr-3654	113	36	dirdep	dirdep	PROPN
fsr-3654	113	37	atmuse	atmuse	PROPN
fsr-3654	113	38	crcd	crcd	VERB
fsr-3654	113	39	intchk	intchk	ADJ
fsr-3654	113	40	chkfee	chkfee	NOUN
fsr-3654	113	41	r	r	NOUN
fsr-3654	113	42	’	'	PUNCT
fsr-3654	113	43	-1874	-1874	NOUN
fsr-3654	113	44	f	f	PROPN
fsr-3654	113	45	value	value	NOUN
fsr-3654	113	46	36.542	36.542	NUM
fsr-3654	113	47	n	n	NUM
fsr-3654	113	48	1,596	1,596	NUM
fsr-3654	113	49	df	df	NOUN
fsr-3654	113	50	1,585	1,585	NUM
fsr-3654	113	51	(	(	PUNCT
fsr-3654	113	52	4.831	4.831	NUM
fsr-3654	113	53	)	)	PUNCT
fsr-3654	113	54	,	,	PUNCT
fsr-3654	113	55	249	249	NUM
fsr-3654	113	56	(	(	PUNCT
fsr-3654	113	57	3.776	3.776	NUM
fsr-3654	113	58	)	)	PUNCT
fsr-3654	113	59	.303	.303	NUM
fsr-3654	113	60	(	(	PUNCT
fsr-3654	113	61	4.102	4.102	NUM
fsr-3654	113	62	)	)	PUNCT
fsr-3654	113	63	-.152	-.152	PROPN
fsr-3654	113	64	(	(	PUNCT
fsr-3654	113	65	-2.375	-2.375	NUM
fsr-3654	113	66	)	)	PUNCT
fsr-3654	113	67	.i32	.i32	PUNCT
fsr-3654	114	1	(	(	PUNCT
fsr-3654	114	2	2.762	2.762	NUM
fsr-3654	114	3	)	)	PUNCT
fsr-3654	114	4	.olo	.olo	PUNCT
fsr-3654	115	1	(	(	PUNCT
fsr-3654	115	2	.219	.219	NUM
fsr-3654	115	3	)	)	PUNCT
fsr-3654	115	4	.034	.034	NUM
fsr-3654	115	5	(	(	PUNCT
fsr-3654	115	6	6.442	6.442	NUM
fsr-3654	115	7	)	)	PUNCT
fsr-3654	115	8	-.065	-.065	NOUN
fsr-3654	115	9	(	(	PUNCT
fsr-3654	115	10	-1.557	-1.557	X
fsr-3654	115	11	)	)	PUNCT
fsr-3654	116	1	-.121	-.121	PROPN
fsr-3654	116	2	(	(	PUNCT
fsr-3654	116	3	-2.327	-2.327	NOUN
fsr-3654	116	4	)	)	PUNCT
fsr-3654	116	5	as	as	SCONJ
fsr-3654	116	6	expected	expect	VERB
fsr-3654	116	7	,	,	PUNCT
fsr-3654	116	8	the	the	DET
fsr-3654	116	9	demographic	demographic	ADJ
fsr-3654	116	10	variable	variable	NOUN
fsr-3654	116	11	having	have	VERB
fsr-3654	116	12	the	the	DET
fsr-3654	116	13	most	most	ADV
fsr-3654	116	14	explanatory	explanatory	ADJ
fsr-3654	116	15	power	power	NOUN
fsr-3654	116	16	is	be	AUX
fsr-3654	116	17	the	the	DET
fsr-3654	116	18	logarithm	logarithm	NOUN
fsr-3654	116	19	of	of	ADP
fsr-3654	116	20	household	household	NOUN
fsr-3654	116	21	annual	annual	ADJ
fsr-3654	116	22	income	income	NOUN
fsr-3654	116	23	with	with	ADP
fsr-3654	116	24	an	an	DET
fsr-3654	116	25	elasticity	elasticity	NOUN
fsr-3654	116	26	of	of	ADP
fsr-3654	116	27	.26	.26	NUM
fsr-3654	116	28	and	and	CCONJ
fsr-3654	116	29	a	a	DET
fsr-3654	116	30	reported	report	VERB
fsr-3654	116	31	t	t	NOUN
fsr-3654	116	32	-	-	PUNCT
fsr-3654	116	33	statistic	statistic	NOUN
fsr-3654	116	34	of	of	ADP
fsr-3654	116	35	7.4	7.4	NUM
fsr-3654	116	36	.	.	PUNCT
fsr-3654	117	1	the	the	DET
fsr-3654	117	2	other	other	ADJ
fsr-3654	117	3	demographic	demographic	ADJ
fsr-3654	117	4	variables	variable	NOUN
fsr-3654	117	5	are	be	AUX
fsr-3654	117	6	statistically	statistically	ADV
fsr-3654	117	7	significant	significant	ADJ
fsr-3654	117	8	at	at	ADP
fsr-3654	117	9	the	the	DET
fsr-3654	117	10	5	5	NUM
fsr-3654	117	11	%	%	NOUN
fsr-3654	117	12	level	level	NOUN
fsr-3654	117	13	.	.	PUNCT
fsr-3654	118	1	employment	employment	NOUN
fsr-3654	118	2	and	and	CCONJ
fsr-3654	118	3	marital	marital	ADJ
fsr-3654	118	4	status	status	NOUN
fsr-3654	118	5	,	,	PUNCT
fsr-3654	118	6	educational	educational	ADJ
fsr-3654	118	7	levels	level	NOUN
fsr-3654	118	8	and	and	CCONJ
fsr-3654	118	9	the	the	DET
fsr-3654	118	10	sex	sex	NOUN
fsr-3654	118	11	of	of	ADP
fsr-3654	118	12	the	the	DET
fsr-3654	118	13	head	head	NOUN
fsr-3654	118	14	of	of	ADP
fsr-3654	118	15	household	household	NOUN
fsr-3654	118	16	all	all	PRON
fsr-3654	118	17	have	have	VERB
fsr-3654	118	18	impacts	impact	NOUN
fsr-3654	118	19	on	on	ADP
fsr-3654	118	20	the	the	DET
fsr-3654	118	21	number	number	NOUN
fsr-3654	118	22	of	of	ADP
fsr-3654	118	23	checks	check	NOUN
fsr-3654	118	24	written	write	VERB
fsr-3654	118	25	.	.	PUNCT
fsr-3654	119	1	for	for	ADP
fsr-3654	119	2	the	the	DET
fsr-3654	119	3	payment	payment	NOUN
fsr-3654	119	4	system	system	NOUN
fsr-3654	119	5	variables	variable	NOUN
fsr-3654	119	6	,	,	PUNCT
fsr-3654	119	7	there	there	PRON
fsr-3654	119	8	appears	appear	VERB
fsr-3654	119	9	to	to	PART
fsr-3654	119	10	be	be	AUX
fsr-3654	119	11	no	no	DET
fsr-3654	119	12	substitution	substitution	NOUN
fsr-3654	119	13	for	for	ADP
fsr-3654	119	14	checks	check	NOUN
fsr-3654	119	15	written	write	VERB
fsr-3654	119	16	.	.	PUNCT
fsr-3654	120	1	on	on	ADP
fsr-3654	120	2	the	the	DET
fsr-3654	120	3	contrary	contrary	NOUN
fsr-3654	120	4	,	,	PUNCT
fsr-3654	120	5	both	both	CCONJ
fsr-3654	120	6	direct	direct	ADJ
fsr-3654	120	7	deposit	deposit	NOUN
fsr-3654	120	8	and	and	CCONJ
fsr-3654	120	9	credit	credit	NOUN
fsr-3654	120	10	cards	card	NOUN
fsr-3654	120	11	increased	increase	VERB
fsr-3654	120	12	check	check	NOUN
fsr-3654	120	13	writing	writing	NOUN
fsr-3654	120	14	.	.	PUNCT
fsr-3654	121	1	apparently	apparently	ADV
fsr-3654	121	2	the	the	DET
fsr-3654	121	3	direct	direct	ADJ
fsr-3654	121	4	deposit	deposit	NOUN
fsr-3654	121	5	creates	create	VERB
fsr-3654	121	6	a	a	DET
fsr-3654	121	7	need	need	NOUN
fsr-3654	121	8	for	for	SCONJ
fsr-3654	121	9	more	more	ADJ
fsr-3654	121	10	check	check	NOUN
fsr-3654	121	11	writing	write	VERB
fsr-3654	121	12	to	to	PART
fsr-3654	121	13	obtain	obtain	VERB
fsr-3654	121	14	cash	cash	NOUN
fsr-3654	121	15	.	.	PUNCT
fsr-3654	122	1	the	the	DET
fsr-3654	122	2	use	use	NOUN
fsr-3654	122	3	of	of	ADP
fsr-3654	122	4	atms	atms	PROPN
fsr-3654	122	5	had	have	VERB
fsr-3654	122	6	no	no	DET
fsr-3654	122	7	impact	impact	NOUN
fsr-3654	122	8	at	at	ADV
fsr-3654	122	9	all	all	ADV
fsr-3654	122	10	on	on	ADP
fsr-3654	122	11	the	the	DET
fsr-3654	122	12	number	number	NOUN
fsr-3654	122	13	of	of	ADP
fsr-3654	122	14	checks	check	NOUN
fsr-3654	122	15	written	write	VERB
fsr-3654	122	16	.	.	PUNCT
fsr-3654	123	1	it	it	PRON
fsr-3654	123	2	was	be	AUX
fsr-3654	123	3	thought	think	VERB
fsr-3654	123	4	that	that	SCONJ
fsr-3654	123	5	the	the	DET
fsr-3654	123	6	combination	combination	NOUN
fsr-3654	123	7	of	of	ADP
fsr-3654	123	8	direct	direct	ADJ
fsr-3654	123	9	deposit	deposit	NOUN
fsr-3654	123	10	and	and	CCONJ
fsr-3654	123	11	atm	atm	NOUN
fsr-3654	123	12	use	use	NOUN
fsr-3654	123	13	may	may	AUX
fsr-3654	123	14	have	have	VERB
fsr-3654	123	15	a	a	DET
fsr-3654	123	16	different	different	ADJ
fsr-3654	123	17	impact	impact	NOUN
fsr-3654	123	18	than	than	ADP
fsr-3654	123	19	either	either	CCONJ
fsr-3654	123	20	one	one	NOUN
fsr-3654	123	21	separately	separately	ADV
fsr-3654	123	22	.	.	PUNCT
fsr-3654	124	1	that	that	PRON
fsr-3654	124	2	is	is	ADV
fsr-3654	124	3	,	,	PUNCT
fsr-3654	124	4	the	the	DET
fsr-3654	124	5	household	household	NOUN
fsr-3654	124	6	would	would	AUX
fsr-3654	124	7	have	have	VERB
fsr-3654	124	8	payments	payment	NOUN
fsr-3654	124	9	directly	directly	ADV
fsr-3654	124	10	deposited	deposit	VERB
fsr-3654	124	11	and	and	CCONJ
fsr-3654	124	12	then	then	ADV
fsr-3654	124	13	use	use	VERB
fsr-3654	124	14	the	the	DET
fsr-3654	124	15	atm	atm	NOUN
fsr-3654	124	16	to	to	ADP
fsr-3654	124	17	42	42	NUM
fsr-3654	124	18	financial	financial	ADJ
fsr-3654	124	19	services	service	NOUN
fsr-3654	124	20	review	review	NOUN
fsr-3654	124	21	,	,	PUNCT
fsr-3654	124	22	l(1	l(1	PROPN
fsr-3654	124	23	)	)	PUNCT
fsr-3654	124	24	1991	1991	NUM
fsr-3654	124	25	obtain	obtain	VERB
fsr-3654	124	26	cash	cash	NOUN
fsr-3654	124	27	,	,	PUNCT
fsr-3654	124	28	removing	remove	VERB
fsr-3654	124	29	the	the	DET
fsr-3654	124	30	need	need	NOUN
fsr-3654	124	31	to	to	PART
fsr-3654	124	32	write	write	VERB
fsr-3654	124	33	checks	check	NOUN
fsr-3654	124	34	for	for	ADP
fsr-3654	124	35	cash	cash	NOUN
fsr-3654	124	36	.	.	PUNCT
fsr-3654	125	1	when	when	SCONJ
fsr-3654	125	2	this	this	PRON
fsr-3654	125	3	was	be	AUX
fsr-3654	125	4	tested	test	VERB
fsr-3654	125	5	,	,	PUNCT
fsr-3654	125	6	the	the	DET
fsr-3654	125	7	results	result	NOUN
fsr-3654	125	8	were	be	AUX
fsr-3654	125	9	not	not	PART
fsr-3654	125	10	affected	affect	VERB
fsr-3654	125	11	.	.	PUNCT
fsr-3654	126	1	the	the	DET
fsr-3654	126	2	question	question	NOUN
fsr-3654	126	3	of	of	ADP
fsr-3654	126	4	how	how	SCONJ
fsr-3654	126	5	cash	cash	NOUN
fsr-3654	126	6	is	be	AUX
fsr-3654	126	7	obtained	obtain	VERB
fsr-3654	126	8	and	and	CCONJ
fsr-3654	126	9	the	the	DET
fsr-3654	126	10	role	role	NOUN
fsr-3654	126	11	of	of	ADP
fsr-3654	126	12	the	the	DET
fsr-3654	126	13	atm	atm	NOUN
fsr-3654	126	14	in	in	ADP
fsr-3654	126	15	that	that	DET
fsr-3654	126	16	overall	overall	ADJ
fsr-3654	126	17	process	process	NOUN
fsr-3654	126	18	are	be	AUX
fsr-3654	126	19	interesting	interesting	ADJ
fsr-3654	126	20	questions	question	NOUN
fsr-3654	126	21	beyond	beyond	ADP
fsr-3654	126	22	the	the	DET
fsr-3654	126	23	scope	scope	NOUN
fsr-3654	126	24	of	of	ADP
fsr-3654	126	25	this	this	DET
fsr-3654	126	26	paper	paper	NOUN
fsr-3654	126	27	.	.	PUNCT
fsr-3654	127	1	the	the	DET
fsr-3654	127	2	two	two	NUM
fsr-3654	127	3	pricing	pricing	NOUN
fsr-3654	127	4	variables	variable	NOUN
fsr-3654	127	5	in	in	ADP
fsr-3654	127	6	the	the	DET
fsr-3654	127	7	model	model	NOUN
fsr-3654	127	8	have	have	VERB
fsr-3654	127	9	negative	negative	ADJ
fsr-3654	127	10	coefficients	coefficient	NOUN
fsr-3654	127	11	,	,	PUNCT
fsr-3654	127	12	and	and	CCONJ
fsr-3654	127	13	the	the	DET
fsr-3654	127	14	coefficient	coefficient	NOUN
fsr-3654	127	15	on	on	ADP
fsr-3654	127	16	the	the	DET
fsr-3654	127	17	check	check	NOUN
fsr-3654	127	18	-	-	PUNCT
fsr-3654	127	19	based	base	VERB
fsr-3654	127	20	pricing	pricing	NOUN
fsr-3654	127	21	variable	variable	NOUN
fsr-3654	127	22	is	be	AUX
fsr-3654	127	23	statistically	statistically	ADV
fsr-3654	127	24	significant	significant	ADJ
fsr-3654	127	25	at	at	ADP
fsr-3654	127	26	the	the	DET
fsr-3654	127	27	5	5	NUM
fsr-3654	127	28	%	%	NOUN
fsr-3654	127	29	level	level	NOUN
fsr-3654	127	30	.	.	PUNCT
fsr-3654	128	1	while	while	SCONJ
fsr-3654	128	2	the	the	DET
fsr-3654	128	3	effect	effect	NOUN
fsr-3654	128	4	of	of	ADP
fsr-3654	128	5	any	any	DET
fsr-3654	128	6	particular	particular	ADJ
fsr-3654	128	7	price	price	NOUN
fsr-3654	128	8	is	be	AUX
fsr-3654	128	9	not	not	PART
fsr-3654	128	10	known	know	VERB
fsr-3654	128	11	,	,	PUNCT
fsr-3654	128	12	the	the	DET
fsr-3654	128	13	impact	impact	NOUN
fsr-3654	128	14	of	of	ADP
fsr-3654	128	15	shifting	shift	VERB
fsr-3654	128	16	to	to	ADP
fsr-3654	128	17	any	any	DET
fsr-3654	128	18	service	service	NOUN
fsr-3654	128	19	charge	charge	NOUN
fsr-3654	128	20	based	base	VERB
fsr-3654	128	21	upon	upon	SCONJ
fsr-3654	128	22	activity	activity	NOUN
fsr-3654	128	23	is	be	AUX
fsr-3654	128	24	substantial	substantial	ADJ
fsr-3654	128	25	.	.	PUNCT
fsr-3654	129	1	furthermore	furthermore	ADV
fsr-3654	129	2	,	,	PUNCT
fsr-3654	129	3	the	the	DET
fsr-3654	129	4	impact	impact	NOUN
fsr-3654	129	5	of	of	ADP
fsr-3654	129	6	moving	move	VERB
fsr-3654	129	7	to	to	ADP
fsr-3654	129	8	pricing	pricing	NOUN
fsr-3654	129	9	based	base	VERB
fsr-3654	129	10	upon	upon	SCONJ
fsr-3654	129	11	activity	activity	NOUN
fsr-3654	129	12	cost	cost	NOUN
fsr-3654	129	13	is	be	AUX
fsr-3654	129	14	understated	understate	VERB
fsr-3654	129	15	since	since	SCONJ
fsr-3654	129	16	the	the	DET
fsr-3654	129	17	observed	observe	VERB
fsr-3654	129	18	per	per	ADP
fsr-3654	129	19	item	item	NOUN
fsr-3654	129	20	charges	charge	NOUN
fsr-3654	129	21	are	be	AUX
fsr-3654	129	22	much	much	ADV
fsr-3654	129	23	less	less	ADJ
fsr-3654	129	24	than	than	ADP
fsr-3654	129	25	the	the	DET
fsr-3654	129	26	social	social	ADJ
fsr-3654	129	27	or	or	CCONJ
fsr-3654	129	28	private	private	ADJ
fsr-3654	129	29	costs	cost	NOUN
fsr-3654	129	30	of	of	ADP
fsr-3654	129	31	processing	process	VERB
fsr-3654	129	32	a	a	DET
fsr-3654	129	33	check	check	NOUN
fsr-3654	129	34	estimated	estimate	VERB
fsr-3654	129	35	by	by	ADP
fsr-3654	129	36	humphrey	humphrey	PROPN
fsr-3654	129	37	and	and	CCONJ
fsr-3654	129	38	berger	berger	PROPN
fsr-3654	129	39	(	(	PUNCT
fsr-3654	129	40	1988	1988	NUM
fsr-3654	129	41	)	)	PUNCT
fsr-3654	129	42	.	.	PUNCT
fsr-3654	130	1	because	because	SCONJ
fsr-3654	130	2	the	the	DET
fsr-3654	130	3	equation	equation	NOUN
fsr-3654	130	4	has	have	VERB
fsr-3654	130	5	the	the	DET
fsr-3654	130	6	dependent	dependent	ADJ
fsr-3654	130	7	variable	variable	NOUN
fsr-3654	130	8	in	in	ADP
fsr-3654	130	9	logarithmic	logarithmic	ADJ
fsr-3654	130	10	form	form	NOUN
fsr-3654	130	11	and	and	CCONJ
fsr-3654	130	12	the	the	DET
fsr-3654	130	13	pricing	pricing	NOUN
fsr-3654	130	14	variable	variable	NOUN
fsr-3654	130	15	in	in	ADP
fsr-3654	130	16	binary	binary	ADJ
fsr-3654	130	17	form	form	NOUN
fsr-3654	130	18	,	,	PUNCT
fsr-3654	130	19	it	it	PRON
fsr-3654	130	20	is	be	AUX
fsr-3654	130	21	not	not	PART
fsr-3654	130	22	possible	possible	ADJ
fsr-3654	130	23	to	to	PART
fsr-3654	130	24	interpret	interpret	VERB
fsr-3654	130	25	directly	directly	ADV
fsr-3654	130	26	the	the	DET
fsr-3654	130	27	regression	regression	NOUN
fsr-3654	130	28	coefficient	coefficient	NOUN
fsr-3654	130	29	for	for	ADP
fsr-3654	130	30	that	that	DET
fsr-3654	130	31	variable	variable	NOUN
fsr-3654	130	32	.	.	PUNCT
fsr-3654	131	1	therefore	therefore	ADV
fsr-3654	131	2	,	,	PUNCT
fsr-3654	131	3	the	the	DET
fsr-3654	131	4	expected	expect	VERB
fsr-3654	131	5	value	value	NOUN
fsr-3654	131	6	of	of	ADP
fsr-3654	131	7	the	the	DET
fsr-3654	131	8	dependent	dependent	ADJ
fsr-3654	131	9	variable	variable	NOUN
fsr-3654	131	10	was	be	AUX
fsr-3654	131	11	calculated	calculate	VERB
fsr-3654	131	12	with	with	ADP
fsr-3654	131	13	representative	representative	ADJ
fsr-3654	131	14	values	value	NOUN
fsr-3654	131	15	for	for	ADP
fsr-3654	131	16	the	the	DET
fsr-3654	131	17	other	other	ADJ
fsr-3654	131	18	independent	independent	ADJ
fsr-3654	131	19	variables	variable	NOUN
fsr-3654	131	20	and	and	CCONJ
fsr-3654	131	21	the	the	DET
fsr-3654	131	22	binary	binary	ADJ
fsr-3654	131	23	pricing	pricing	NOUN
fsr-3654	131	24	value	value	NOUN
fsr-3654	131	25	taking	take	VERB
fsr-3654	131	26	a	a	DET
fsr-3654	131	27	value	value	NOUN
fsr-3654	131	28	of	of	ADP
fsr-3654	131	29	zero	zero	NUM
fsr-3654	131	30	and	and	CCONJ
fsr-3654	131	31	then	then	ADV
fsr-3654	131	32	one	one	NUM
fsr-3654	131	33	.	.	PUNCT
fsr-3654	132	1	for	for	ADP
fsr-3654	132	2	the	the	DET
fsr-3654	132	3	household	household	NOUN
fsr-3654	132	4	with	with	ADP
fsr-3654	132	5	the	the	DET
fsr-3654	132	6	geometric	geometric	ADJ
fsr-3654	132	7	mean	mean	ADJ
fsr-3654	132	8	annual	annual	ADJ
fsr-3654	132	9	income	income	NOUN
fsr-3654	132	10	,	,	PUNCT
fsr-3654	132	11	male	male	ADJ
fsr-3654	132	12	head	head	NOUN
fsr-3654	132	13	of	of	ADP
fsr-3654	132	14	household	household	NOUN
fsr-3654	132	15	employed	employ	VERB
fsr-3654	132	16	and	and	CCONJ
fsr-3654	132	17	married	marry	VERB
fsr-3654	132	18	,	,	PUNCT
fsr-3654	132	19	with	with	ADP
fsr-3654	132	20	a	a	DET
fsr-3654	132	21	college	college	NOUN
fsr-3654	132	22	degree	degree	NOUN
fsr-3654	132	23	,	,	PUNCT
fsr-3654	132	24	with	with	ADP
fsr-3654	132	25	neither	neither	CCONJ
fsr-3654	132	26	direct	direct	ADJ
fsr-3654	132	27	deposit	deposit	NOUN
fsr-3654	132	28	nor	nor	CCONJ
fsr-3654	132	29	atm	atm	ADJ
fsr-3654	132	30	usage	usage	NOUN
fsr-3654	132	31	,	,	PUNCT
fsr-3654	132	32	with	with	ADP
fsr-3654	132	33	the	the	DET
fsr-3654	132	34	mean	mean	ADJ
fsr-3654	132	35	number	number	NOUN
fsr-3654	132	36	of	of	ADP
fsr-3654	132	37	credit	credit	NOUN
fsr-3654	132	38	cards	card	NOUN
fsr-3654	132	39	,	,	PUNCT
fsr-3654	132	40	and	and	CCONJ
fsr-3654	132	41	interest	interest	NOUN
fsr-3654	132	42	on	on	ADP
fsr-3654	132	43	his	his	PRON
fsr-3654	132	44	checking	checking	NOUN
fsr-3654	132	45	account	account	NOUN
fsr-3654	132	46	,	,	PUNCT
fsr-3654	132	47	a	a	DET
fsr-3654	132	48	shift	shift	NOUN
fsr-3654	132	49	to	to	PART
fsr-3654	132	50	check	check	VERB
fsr-3654	132	51	based	base	VERB
fsr-3654	132	52	service	service	NOUN
fsr-3654	132	53	charges	charge	NOUN
fsr-3654	132	54	results	result	VERB
fsr-3654	132	55	in	in	ADP
fsr-3654	132	56	an	an	DET
fsr-3654	132	57	expected	expect	VERB
fsr-3654	132	58	reduction	reduction	NOUN
fsr-3654	132	59	of	of	ADP
fsr-3654	132	60	checks	check	NOUN
fsr-3654	132	61	written	write	VERB
fsr-3654	132	62	per	per	ADP
fsr-3654	132	63	month	month	NOUN
fsr-3654	132	64	of	of	ADP
fsr-3654	132	65	1.6	1.6	NUM
fsr-3654	132	66	,	,	PUNCT
fsr-3654	132	67	a	a	DET
fsr-3654	132	68	percentage	percentage	NOUN
fsr-3654	132	69	reduction	reduction	NOUN
fsr-3654	132	70	of	of	ADP
fsr-3654	132	71	11.4	11.4	NUM
fsr-3654	132	72	%	%	NOUN
fsr-3654	132	73	.	.	PUNCT
fsr-3654	133	1	that	that	PRON
fsr-3654	133	2	is	be	AUX
fsr-3654	133	3	,	,	PUNCT
fsr-3654	133	4	when	when	SCONJ
fsr-3654	133	5	all	all	DET
fsr-3654	133	6	variables	variable	NOUN
fsr-3654	133	7	are	be	AUX
fsr-3654	133	8	held	hold	VERB
fsr-3654	133	9	constant	constant	ADJ
fsr-3654	133	10	at	at	ADP
fsr-3654	133	11	the	the	DET
fsr-3654	133	12	values	value	NOUN
fsr-3654	133	13	indicated	indicate	VERB
fsr-3654	133	14	above	above	ADV
fsr-3654	133	15	,	,	PUNCT
fsr-3654	133	16	the	the	DET
fsr-3654	133	17	expected	expect	VERB
fsr-3654	133	18	value	value	NOUN
fsr-3654	133	19	of	of	ADP
fsr-3654	133	20	the	the	DET
fsr-3654	133	21	dependent	dependent	ADJ
fsr-3654	133	22	variable	variable	NOUN
fsr-3654	133	23	is	be	AUX
fsr-3654	133	24	13.9	13.9	NUM
fsr-3654	133	25	checks	check	NOUN
fsr-3654	133	26	written	write	VERB
fsr-3654	133	27	when	when	SCONJ
fsr-3654	133	28	service	service	NOUN
fsr-3654	133	29	charges	charge	NOUN
fsr-3654	133	30	are	be	AUX
fsr-3654	133	31	not	not	PART
fsr-3654	133	32	based	base	VERB
fsr-3654	133	33	upon	upon	SCONJ
fsr-3654	133	34	activity	activity	NOUN
fsr-3654	133	35	while	while	SCONJ
fsr-3654	133	36	it	it	PRON
fsr-3654	133	37	is	be	AUX
fsr-3654	133	38	reduced	reduce	VERB
fsr-3654	133	39	to	to	ADP
fsr-3654	133	40	12.3	12.3	NUM
fsr-3654	133	41	checks	check	NOUN
fsr-3654	133	42	when	when	SCONJ
fsr-3654	133	43	the	the	DET
fsr-3654	133	44	service	service	NOUN
fsr-3654	133	45	charge	charge	NOUN
fsr-3654	133	46	is	be	AUX
fsr-3654	133	47	based	base	VERB
fsr-3654	133	48	upon	upon	SCONJ
fsr-3654	133	49	activity	activity	NOUN
fsr-3654	133	50	.	.	PUNCT
fsr-3654	134	1	iii	iii	X
fsr-3654	134	2	.	.	PROPN
fsr-3654	134	3	summaryand	summaryand	PROPN
fsr-3654	134	4	conclusion	conclusion	NOUN
fsr-3654	134	5	in	in	ADP
fsr-3654	134	6	their	their	PRON
fsr-3654	134	7	paper	paper	NOUN
fsr-3654	134	8	,	,	PUNCT
fsr-3654	134	9	humphrey	humphrey	PROPN
fsr-3654	134	10	and	and	CCONJ
fsr-3654	134	11	berger	berger	PROPN
fsr-3654	134	12	note	note	VERB
fsr-3654	134	13	that	that	SCONJ
fsr-3654	134	14	“	"	PUNCT
fsr-3654	134	15	consumer	consumer	NOUN
fsr-3654	134	16	checks	check	NOUN
fsr-3654	134	17	only	only	ADV
fsr-3654	134	18	have	have	VERB
fsr-3654	134	19	a	a	DET
fsr-3654	134	20	small	small	ADJ
fsr-3654	134	21	float	float	NOUN
fsr-3654	134	22	benefit	benefit	NOUN
fsr-3654	134	23	,	,	PUNCT
fsr-3654	134	24	so	so	SCONJ
fsr-3654	134	25	that	that	SCONJ
fsr-3654	134	26	the	the	DET
fsr-3654	134	27	private	private	ADJ
fsr-3654	134	28	costs	cost	NOUN
fsr-3654	134	29	are	be	AUX
fsr-3654	134	30	positive	positive	ADJ
fsr-3654	134	31	(	(	PUNCT
fsr-3654	134	32	$	$	SYM
fsr-3654	134	33	.72	.72	NUM
fsr-3654	134	34	)	)	PUNCT
fsr-3654	134	35	and	and	CCONJ
fsr-3654	134	36	almost	almost	ADV
fsr-3654	134	37	as	as	ADV
fsr-3654	134	38	high	high	ADJ
fsr-3654	134	39	as	as	ADP
fsr-3654	134	40	the	the	DET
fsr-3654	134	41	social	social	ADJ
fsr-3654	134	42	costs	cost	NOUN
fsr-3654	134	43	(	(	PUNCT
fsr-3654	134	44	$	$	SYM
fsr-3654	134	45	.79	.79	NUM
fsr-3654	134	46	)	)	PUNCT
fsr-3654	134	47	,	,	PUNCT
fsr-3654	134	48	indicating	indicate	VERB
fsr-3654	134	49	only	only	ADV
fsr-3654	134	50	a	a	DET
fsr-3654	134	51	minor	minor	ADJ
fsr-3654	134	52	market	market	NOUN
fsr-3654	134	53	failure	failure	NOUN
fsr-3654	134	54	”	"	PUNCT
fsr-3654	134	55	(	(	PUNCT
fsr-3654	134	56	1988	1988	NUM
fsr-3654	134	57	)	)	PUNCT
fsr-3654	134	58	.	.	PUNCT
fsr-3654	135	1	however	however	ADV
fsr-3654	135	2	,	,	PUNCT
fsr-3654	135	3	the	the	DET
fsr-3654	135	4	pricing	pricing	NOUN
fsr-3654	135	5	of	of	ADP
fsr-3654	135	6	checking	check	VERB
fsr-3654	135	7	account	account	NOUN
fsr-3654	135	8	services	service	NOUN
fsr-3654	135	9	does	do	AUX
fsr-3654	135	10	not	not	PART
fsr-3654	135	11	reflect	reflect	VERB
fsr-3654	135	12	the	the	DET
fsr-3654	135	13	marginal	marginal	ADJ
fsr-3654	135	14	(	(	PUNCT
fsr-3654	135	15	or	or	CCONJ
fsr-3654	135	16	average	average	ADJ
fsr-3654	135	17	)	)	PUNCT
fsr-3654	135	18	cost	cost	NOUN
fsr-3654	135	19	of	of	ADP
fsr-3654	135	20	processing	process	VERB
fsr-3654	135	21	a	a	DET
fsr-3654	135	22	check	check	NOUN
fsr-3654	135	23	.	.	PUNCT
fsr-3654	136	1	in	in	ADP
fsr-3654	136	2	many	many	ADJ
fsr-3654	136	3	cases	case	NOUN
fsr-3654	136	4	,	,	PUNCT
fsr-3654	136	5	the	the	DET
fsr-3654	136	6	service	service	NOUN
fsr-3654	136	7	charge	charge	NOUN
fsr-3654	136	8	is	be	AUX
fsr-3654	136	9	not	not	PART
fsr-3654	136	10	related	relate	VERB
fsr-3654	136	11	at	at	ADP
fsr-3654	136	12	all	all	ADV
fsr-3654	136	13	to	to	ADP
fsr-3654	136	14	the	the	DET
fsr-3654	136	15	number	number	NOUN
fsr-3654	136	16	of	of	ADP
fsr-3654	136	17	checks	check	NOUN
fsr-3654	136	18	,	,	PUNCT
fsr-3654	136	19	and	and	CCONJ
fsr-3654	136	20	,	,	PUNCT
fsr-3654	136	21	if	if	SCONJ
fsr-3654	136	22	it	it	PRON
fsr-3654	136	23	is	be	AUX
fsr-3654	136	24	,	,	PUNCT
fsr-3654	136	25	the	the	DET
fsr-3654	136	26	charge	charge	NOUN
fsr-3654	136	27	is	be	AUX
fsr-3654	136	28	likely	likely	ADJ
fsr-3654	136	29	to	to	PART
fsr-3654	136	30	be	be	AUX
fsr-3654	136	31	much	much	ADV
fsr-3654	136	32	less	less	ADJ
fsr-3654	136	33	than	than	ADP
fsr-3654	136	34	$	$	SYM
fsr-3654	136	35	.79	.79	NUM
fsr-3654	136	36	(	(	PUNCT
fsr-3654	136	37	or	or	CCONJ
fsr-3654	136	38	$	$	SYM
fsr-3654	136	39	.72	.72	NUM
fsr-3654	136	40	)	)	PUNCT
fsr-3654	136	41	.	.	PUNCT
fsr-3654	137	1	in	in	ADP
fsr-3654	137	2	this	this	DET
fsr-3654	137	3	paper	paper	NOUN
fsr-3654	137	4	,	,	PUNCT
fsr-3654	137	5	the	the	DET
fsr-3654	137	6	determinants	determinant	NOUN
fsr-3654	137	7	of	of	ADP
fsr-3654	137	8	check	check	NOUN
fsr-3654	137	9	writing	writing	NOUN
fsr-3654	137	10	by	by	ADP
fsr-3654	137	11	households	household	NOUN
fsr-3654	137	12	were	be	AUX
fsr-3654	137	13	estimated	estimate	VERB
fsr-3654	137	14	using	use	VERB
fsr-3654	137	15	a	a	DET
fsr-3654	137	16	cross	cross	NOUN
fsr-3654	137	17	section	section	NOUN
fsr-3654	137	18	of	of	ADP
fsr-3654	137	19	1,596	1,596	NUM
fsr-3654	137	20	households	household	NOUN
fsr-3654	137	21	.	.	PUNCT
fsr-3654	138	1	the	the	DET
fsr-3654	138	2	results	result	NOUN
fsr-3654	138	3	suggest	suggest	VERB
fsr-3654	138	4	that	that	SCONJ
fsr-3654	138	5	electronic	electronic	ADJ
fsr-3654	138	6	banking	banking	NOUN
fsr-3654	138	7	usage	usage	NOUN
fsr-3654	138	8	has	have	AUX
fsr-3654	138	9	contributed	contribute	VERB
fsr-3654	138	10	little	little	ADJ
fsr-3654	138	11	to	to	ADP
fsr-3654	138	12	the	the	DET
fsr-3654	138	13	reduction	reduction	NOUN
fsr-3654	138	14	of	of	ADP
fsr-3654	138	15	check	check	NOUN
fsr-3654	138	16	writing	writing	NOUN
fsr-3654	138	17	,	,	PUNCT
fsr-3654	138	18	but	but	CCONJ
fsr-3654	138	19	the	the	DET
fsr-3654	138	20	use	use	NOUN
fsr-3654	138	21	of	of	ADP
fsr-3654	138	22	a	a	DET
fsr-3654	138	23	charge	charge	NOUN
fsr-3654	138	24	per	per	ADP
fsr-3654	138	25	check	check	NOUN
fsr-3654	138	26	has	have	VERB
fsr-3654	138	27	a	a	DET
fsr-3654	138	28	significant	significant	ADJ
fsr-3654	138	29	and	and	CCONJ
fsr-3654	138	30	substantial	substantial	ADJ
fsr-3654	138	31	impact	impact	NOUN
fsr-3654	138	32	on	on	ADP
fsr-3654	138	33	household	household	NOUN
fsr-3654	138	34	check	check	NOUN
fsr-3654	138	35	writing	writing	NOUN
fsr-3654	138	36	.	.	PUNCT
fsr-3654	139	1	since	since	SCONJ
fsr-3654	139	2	households	household	NOUN
fsr-3654	139	3	were	be	AUX
fsr-3654	139	4	estimated	estimate	VERB
fsr-3654	139	5	to	to	PART
fsr-3654	139	6	have	have	AUX
fsr-3654	139	7	written	write	VERB
fsr-3654	139	8	25.8	25.8	NUM
fsr-3654	139	9	billion	billion	NUM
fsr-3654	139	10	of	of	ADP
fsr-3654	139	11	the	the	DET
fsr-3654	139	12	47	47	NUM
fsr-3654	139	13	billion	billion	NUM
fsr-3654	139	14	checks	check	NOUN
fsr-3654	139	15	written	write	VERB
fsr-3654	139	16	in	in	ADP
fsr-3654	139	17	1987	1987	NUM
fsr-3654	139	18	(	(	PUNCT
fsr-3654	139	19	humphrey	humphrey	PROPN
fsr-3654	139	20	and	and	CCONJ
fsr-3654	139	21	berger	berger	PROPN
fsr-3654	139	22	,	,	PUNCT
fsr-3654	139	23	1988	1988	NUM
fsr-3654	139	24	)	)	PUNCT
fsr-3654	139	25	,	,	PUNCT
fsr-3654	139	26	the	the	DET
fsr-3654	139	27	potential	potential	NOUN
fsr-3654	139	28	for	for	ADP
fsr-3654	139	29	economizing	economize	VERB
fsr-3654	139	30	is	be	AUX
fsr-3654	139	31	substantial	substantial	ADJ
fsr-3654	139	32	.	.	PUNCT
fsr-3654	140	1	moreover	moreover	ADV
fsr-3654	140	2	,	,	PUNCT
fsr-3654	140	3	the	the	DET
fsr-3654	140	4	results	result	NOUN
fsr-3654	140	5	have	have	VERB
fsr-3654	140	6	determinants	determinant	NOUN
fsr-3654	140	7	of	of	ADP
fsr-3654	140	8	household	household	NOUN
fsr-3654	140	9	check	check	NOUN
fsr-3654	140	10	writing	write	VERB
fsr-3654	140	11	43	43	NUM
fsr-3654	140	12	implications	implication	NOUN
fsr-3654	140	13	for	for	ADP
fsr-3654	140	14	the	the	DET
fsr-3654	140	15	introduction	introduction	NOUN
fsr-3654	140	16	of	of	ADP
fsr-3654	140	17	other	other	ADJ
fsr-3654	140	18	payments	payment	NOUN
fsr-3654	140	19	services	service	NOUN
fsr-3654	140	20	.	.	PUNCT
fsr-3654	141	1	the	the	DET
fsr-3654	141	2	use	use	NOUN
fsr-3654	141	3	of	of	ADP
fsr-3654	141	4	an	an	DET
fsr-3654	141	5	atm	atm	NOUN
fsr-3654	141	6	represents	represent	VERB
fsr-3654	141	7	households	household	NOUN
fsr-3654	141	8	dealing	deal	VERB
fsr-3654	141	9	with	with	ADP
fsr-3654	141	10	their	their	PRON
fsr-3654	141	11	own	own	ADJ
fsr-3654	141	12	bank	bank	NOUN
fsr-3654	141	13	rather	rather	ADV
fsr-3654	141	14	than	than	ADP
fsr-3654	141	15	interacting	interact	VERB
fsr-3654	141	16	with	with	ADP
fsr-3654	141	17	third	third	ADJ
fsr-3654	141	18	parties	party	NOUN
fsr-3654	141	19	.	.	PUNCT
fsr-3654	142	1	since	since	SCONJ
fsr-3654	142	2	households	household	NOUN
fsr-3654	142	3	have	have	AUX
fsr-3654	142	4	been	be	AUX
fsr-3654	142	5	shown	show	VERB
fsr-3654	142	6	to	to	PART
fsr-3654	142	7	reduce	reduce	VERB
fsr-3654	142	8	their	their	PRON
fsr-3654	142	9	use	use	NOUN
fsr-3654	142	10	of	of	ADP
fsr-3654	142	11	checks	check	NOUN
fsr-3654	142	12	in	in	ADP
fsr-3654	142	13	response	response	NOUN
fsr-3654	142	14	to	to	ADP
fsr-3654	142	15	pricing	pricing	NOUN
fsr-3654	142	16	,	,	PUNCT
fsr-3654	142	17	it	it	PRON
fsr-3654	142	18	should	should	AUX
fsr-3654	142	19	follow	follow	VERB
fsr-3654	142	20	that	that	SCONJ
fsr-3654	142	21	they	they	PRON
fsr-3654	142	22	will	will	AUX
fsr-3654	142	23	substitute	substitute	VERB
fsr-3654	142	24	other	other	ADJ
fsr-3654	142	25	third	third	ADJ
fsr-3654	142	26	-	-	PUNCT
fsr-3654	142	27	party	party	NOUN
fsr-3654	142	28	payments	payment	NOUN
fsr-3654	142	29	services	service	NOUN
fsr-3654	142	30	if	if	SCONJ
fsr-3654	142	31	the	the	DET
fsr-3654	142	32	relative	relative	ADJ
fsr-3654	142	33	prices	price	NOUN
fsr-3654	142	34	provide	provide	VERB
fsr-3654	142	35	the	the	DET
fsr-3654	142	36	proper	proper	ADJ
fsr-3654	142	37	incentive	incentive	NOUN
fsr-3654	142	38	.	.	PUNCT
fsr-3654	143	1	of	of	ADP
fsr-3654	143	2	course	course	NOUN
fsr-3654	143	3	,	,	PUNCT
fsr-3654	143	4	rational	rational	ADJ
fsr-3654	143	5	explicit	explicit	ADJ
fsr-3654	143	6	pricing	pricing	NOUN
fsr-3654	143	7	and	and	CCONJ
fsr-3654	143	8	true	true	ADJ
fsr-3654	143	9	cost	cost	NOUN
fsr-3654	143	10	savings	saving	NOUN
fsr-3654	143	11	are	be	AUX
fsr-3654	143	12	required	require	VERB
fsr-3654	143	13	before	before	SCONJ
fsr-3654	143	14	this	this	PRON
fsr-3654	143	15	can	can	AUX
fsr-3654	143	16	happen	happen	VERB
fsr-3654	143	17	.	.	PUNCT
fsr-3654	144	1	while	while	SCONJ
fsr-3654	144	2	the	the	DET
fsr-3654	144	3	results	result	NOUN
fsr-3654	144	4	from	from	ADP
fsr-3654	144	5	one	one	NUM
fsr-3654	144	6	cross	cross	NOUN
fsr-3654	144	7	-	-	NOUN
fsr-3654	144	8	section	section	NOUN
fsr-3654	144	9	should	should	AUX
fsr-3654	144	10	not	not	PART
fsr-3654	144	11	be	be	AUX
fsr-3654	144	12	extrapolated	extrapolate	VERB
fsr-3654	144	13	without	without	ADP
fsr-3654	144	14	caution	caution	NOUN
fsr-3654	144	15	,	,	PUNCT
fsr-3654	144	16	the	the	DET
fsr-3654	144	17	results	result	NOUN
fsr-3654	144	18	suggest	suggest	VERB
fsr-3654	144	19	that	that	SCONJ
fsr-3654	144	20	the	the	DET
fsr-3654	144	21	adoption	adoption	NOUN
fsr-3654	144	22	of	of	ADP
fsr-3654	144	23	pricing	pricing	NOUN
fsr-3654	144	24	based	base	VERB
fsr-3654	144	25	on	on	ADP
fsr-3654	144	26	the	the	DET
fsr-3654	144	27	cost	cost	NOUN
fsr-3654	144	28	of	of	ADP
fsr-3654	144	29	producing	produce	VERB
fsr-3654	144	30	checking	checking	NOUN
fsr-3654	144	31	services	service	NOUN
fsr-3654	144	32	is	be	AUX
fsr-3654	144	33	an	an	DET
fsr-3654	144	34	attractive	attractive	ADJ
fsr-3654	144	35	candidate	candidate	NOUN
fsr-3654	144	36	for	for	ADP
fsr-3654	144	37	improved	improved	ADJ
fsr-3654	144	38	allocation	allocation	NOUN
fsr-3654	144	39	of	of	ADP
fsr-3654	144	40	resources	resource	NOUN
fsr-3654	144	41	in	in	ADP
fsr-3654	144	42	the	the	DET
fsr-3654	144	43	use	use	NOUN
fsr-3654	144	44	of	of	ADP
fsr-3654	144	45	the	the	DET
fsr-3654	144	46	payments	payment	NOUN
fsr-3654	144	47	system	system	NOUN
fsr-3654	144	48	.	.	PUNCT
fsr-3654	145	1	it	it	PRON
fsr-3654	145	2	certainly	certainly	ADV
fsr-3654	145	3	merits	merit	VERB
fsr-3654	145	4	attention	attention	NOUN
fsr-3654	145	5	on	on	ADP
fsr-3654	145	6	a	a	DET
fsr-3654	145	7	priori	priori	ADJ
fsr-3654	145	8	grounds	ground	NOUN
fsr-3654	145	9	as	as	ADV
fsr-3654	145	10	well	well	ADV
fsr-3654	145	11	as	as	ADP
fsr-3654	145	12	being	be	AUX
fsr-3654	145	13	supported	support	VERB
fsr-3654	145	14	by	by	ADP
fsr-3654	145	15	the	the	DET
fsr-3654	145	16	results	result	NOUN
fsr-3654	145	17	of	of	ADP
fsr-3654	145	18	this	this	DET
fsr-3654	145	19	paper	paper	NOUN
fsr-3654	145	20	.	.	PUNCT
fsr-3654	146	1	acknowledgments	acknowledgment	NOUN
fsr-3654	146	2	:	:	PUNCT
fsr-3654	146	3	this	this	DET
fsr-3654	146	4	paper	paper	NOUN
fsr-3654	146	5	is	be	AUX
fsr-3654	146	6	based	base	VERB
fsr-3654	146	7	upon	upon	SCONJ
fsr-3654	146	8	the	the	DET
fsr-3654	146	9	survey	survey	NOUN
fsr-3654	146	10	of	of	ADP
fsr-3654	146	11	currency	currency	NOUN
fsr-3654	146	12	and	and	CCONJ
fsr-3654	146	13	transaction	transaction	NOUN
fsr-3654	146	14	account	account	NOUN
fsr-3654	146	15	usage	usage	NOUN
fsr-3654	146	16	conducted	conduct	VERB
fsr-3654	146	17	by	by	ADP
fsr-3654	146	18	the	the	DET
fsr-3654	146	19	board	board	NOUN
fsr-3654	146	20	of	of	ADP
fsr-3654	146	21	governors	governor	NOUN
fsr-3654	146	22	of	of	ADP
fsr-3654	146	23	the	the	DET
fsr-3654	146	24	federal	federal	PROPN
fsr-3654	146	25	reserve	reserve	PROPN
fsr-3654	146	26	system	system	NOUN
fsr-3654	146	27	.	.	PUNCT
fsr-3654	147	1	most	most	ADJ
fsr-3654	147	2	of	of	ADP
fsr-3654	147	3	the	the	DET
fsr-3654	147	4	work	work	NOUN
fsr-3654	147	5	was	be	AUX
fsr-3654	147	6	conducted	conduct	VERB
fsr-3654	147	7	while	while	SCONJ
fsr-3654	147	8	the	the	DET
fsr-3654	147	9	author	author	NOUN
fsr-3654	147	10	was	be	AUX
fsr-3654	147	11	senior	senior	ADJ
fsr-3654	147	12	economist	economist	NOUN
fsr-3654	147	13	(	(	PUNCT
fsr-3654	147	14	visiting	visit	VERB
fsr-3654	147	15	)	)	PUNCT
fsr-3654	147	16	in	in	ADP
fsr-3654	147	17	the	the	DET
fsr-3654	147	18	monetary	monetary	ADJ
fsr-3654	147	19	and	and	CCONJ
fsr-3654	147	20	financial	financial	ADJ
fsr-3654	147	21	studies	study	NOUN
fsr-3654	147	22	section	section	NOUN
fsr-3654	147	23	of	of	ADP
fsr-3654	147	24	the	the	DET
fsr-3654	147	25	board	board	NOUN
fsr-3654	147	26	of	of	ADP
fsr-3654	147	27	governors	governor	NOUN
fsr-3654	147	28	of	of	ADP
fsr-3654	147	29	the	the	DET
fsr-3654	147	30	federal	federal	PROPN
fsr-3654	147	31	reserve	reserve	PROPN
fsr-3654	147	32	system	system	NOUN
fsr-3654	147	33	.	.	PUNCT
fsr-3654	148	1	i	i	PRON
fsr-3654	148	2	am	be	AUX
fsr-3654	148	3	indebted	indebte	VERB
fsr-3654	148	4	to	to	ADP
fsr-3654	148	5	robert	robert	PROPN
fsr-3654	148	6	b.	b.	PROPN
fsr-3654	148	7	avery	avery	PROPN
fsr-3654	148	8	and	and	CCONJ
fsr-3654	148	9	arthur	arthur	PROPN
fsr-3654	148	10	b.	b.	PROPN
fsr-3654	148	11	kenickell	kenickell	PROPN
fsr-3654	148	12	for	for	ADP
fsr-3654	148	13	help	help	NOUN
fsr-3654	148	14	in	in	ADP
fsr-3654	148	15	working	work	VERB
fsr-3654	148	16	with	with	ADP
fsr-3654	148	17	the	the	DET
fsr-3654	148	18	survey	survey	NOUN
fsr-3654	148	19	and	and	CCONJ
fsr-3654	148	20	to	to	ADP
fsr-3654	148	21	allen	allen	PROPN
fsr-3654	148	22	n.	n.	PROPN
fsr-3654	148	23	berger	berger	PROPN
fsr-3654	148	24	,	,	PUNCT
fsr-3654	148	25	myron	myron	PROPN
fsr-3654	148	26	l.	l.	PROPN
fsr-3654	148	27	kwast	kwast	PROPN
fsr-3654	148	28	,	,	PUNCT
fsr-3654	148	29	and	and	CCONJ
fsr-3654	148	30	lewis	lewis	PROPN
fsr-3654	148	31	mandell	mandell	PROPN
fsr-3654	148	32	for	for	ADP
fsr-3654	148	33	helpful	helpful	ADJ
fsr-3654	148	34	comments	comment	NOUN
fsr-3654	148	35	.	.	PUNCT
fsr-3654	149	1	roberto	roberto	PROPN
fsr-3654	149	2	sella	sella	NOUN
fsr-3654	149	3	provided	provide	VERB
fsr-3654	149	4	able	able	ADJ
fsr-3654	149	5	research	research	NOUN
fsr-3654	149	6	assistance	assistance	NOUN
fsr-3654	149	7	.	.	PUNCT
fsr-3654	150	1	the	the	DET
fsr-3654	150	2	opinions	opinion	NOUN
fsr-3654	150	3	expressed	express	VERB
fsr-3654	150	4	are	be	AUX
fsr-3654	150	5	those	those	PRON
fsr-3654	150	6	of	of	ADP
fsr-3654	150	7	the	the	DET
fsr-3654	150	8	author	author	NOUN
fsr-3654	150	9	and	and	CCONJ
fsr-3654	150	10	do	do	AUX
fsr-3654	150	11	not	not	PART
fsr-3654	150	12	necessarily	necessarily	ADV
fsr-3654	150	13	represent	represent	VERB
fsr-3654	150	14	those	those	PRON
fsr-3654	150	15	of	of	ADP
fsr-3654	150	16	the	the	DET
fsr-3654	150	17	board	board	NOUN
fsr-3654	150	18	of	of	ADP
fsr-3654	150	19	governors	governor	NOUN
fsr-3654	150	20	of	of	ADP
fsr-3654	150	21	the	the	DET
fsr-3654	150	22	federal	federal	PROPN
fsr-3654	150	23	reserve	reserve	PROPN
fsr-3654	150	24	system	system	NOUN
fsr-3654	150	25	.	.	PUNCT
fsr-3654	151	1	references	reference	NOUN
fsr-3654	151	2	avery	avery	PROPN
fsr-3654	151	3	,	,	PUNCT
fsr-3654	151	4	robert	robert	PROPN
fsr-3654	151	5	b.	b.	PROPN
fsr-3654	151	6	,	,	PUNCT
fsr-3654	151	7	gregory	gregory	PROPN
fsr-3654	151	8	e.	e.	PROPN
fsr-3654	151	9	elliehausen	elliehausen	PROPN
fsr-3654	151	10	,	,	PUNCT
fsr-3654	151	11	arthur	arthur	PROPN
fsr-3654	151	12	b.	b.	PROPN
fsr-3654	151	13	kennickell	kennickell	PROPN
fsr-3654	151	14	,	,	PUNCT
fsr-3654	151	15	and	and	CCONJ
fsr-3654	151	16	paul	paul	PROPN
fsr-3654	151	17	a.	a.	PROPN
fsr-3654	151	18	spindt	spindt	PROPN
fsr-3654	151	19	.	.	PUNCT
fsr-3654	152	1	1986	1986	NUM
fsr-3654	152	2	.	.	PUNCT
fsr-3654	153	1	“	"	PUNCT
fsr-3654	153	2	the	the	DET
fsr-3654	153	3	use	use	NOUN
fsr-3654	153	4	of	of	ADP
fsr-3654	153	5	cash	cash	NOUN
fsr-3654	153	6	and	and	CCONJ
fsr-3654	153	7	transactions	transaction	NOUN
fsr-3654	153	8	accounts	account	NOUN
fsr-3654	153	9	by	by	ADP
fsr-3654	153	10	american	american	ADJ
fsr-3654	153	11	families	family	NOUN
fsr-3654	153	12	,	,	PUNCT
fsr-3654	153	13	”	"	PUNCT
fsr-3654	153	14	federal	federal	PROPN
fsr-3654	153	15	reserve	reserve	PROPN
fsr-3654	153	16	bulletin	bulletin	PROPN
fsr-3654	153	17	,	,	PUNCT
fsr-3654	153	18	february	february	PROPN
fsr-3654	153	19	:	:	PUNCT
fsr-3654	153	20	87	87	NUM
fsr-3654	153	21	-	-	SYM
fsr-3654	153	22	108	108	NUM
fsr-3654	153	23	.	.	PUNCT
fsr-3654	154	1	baumol	baumol	PROPN
fsr-3654	154	2	,	,	PUNCT
fsr-3654	154	3	w.j	w.j	PROPN
fsr-3654	154	4	.	.	PROPN
fsr-3654	154	5	1952	1952	NUM
fsr-3654	154	6	.	.	PUNCT
fsr-3654	155	1	“	"	PUNCT
fsr-3654	155	2	the	the	DET
fsr-3654	155	3	transactions	transaction	NOUN
fsr-3654	155	4	demand	demand	NOUN
fsr-3654	155	5	for	for	ADP
fsr-3654	155	6	cash	cash	NOUN
fsr-3654	155	7	,	,	PUNCT
fsr-3654	155	8	”	"	PUNCT
fsr-3654	155	9	quarterly	quarterly	ADJ
fsr-3654	155	10	journal	journal	NOUN
fsr-3654	155	11	of	of	ADP
fsr-3654	155	12	economics	economic	NOUN
fsr-3654	155	13	,	,	PUNCT
fsr-3654	155	14	november	november	PROPN
fsr-3654	155	15	,	,	PUNCT
fsr-3654	155	16	66	66	NUM
fsr-3654	155	17	:	:	PUNCT
fsr-3654	155	18	545	545	NUM
fsr-3654	155	19	-	-	SYM
fsr-3654	155	20	556	556	NUM
fsr-3654	155	21	.	.	PUNCT
fsr-3654	156	1	berger	berger	PROPN
fsr-3654	156	2	,	,	PUNCT
fsr-3654	156	3	allen	allen	PROPN
fsr-3654	156	4	n.	n.	PROPN
fsr-3654	156	5	,	,	PUNCT
fsr-3654	156	6	and	and	CCONJ
fsr-3654	156	7	david	david	PROPN
fsr-3654	156	8	b.	b.	PROPN
fsr-3654	156	9	humphrey	humphrey	PROPN
fsr-3654	156	10	.	.	PUNCT
fsr-3654	156	11	1986	1986	NUM
fsr-3654	156	12	.	.	PUNCT
fsr-3654	157	1	“	"	PUNCT
fsr-3654	157	2	the	the	DET
fsr-3654	157	3	role	role	NOUN
fsr-3654	157	4	of	of	ADP
fsr-3654	157	5	interstate	interstate	ADJ
fsr-3654	157	6	banking	banking	NOUN
fsr-3654	157	7	in	in	ADP
fsr-3654	157	8	the	the	DET
fsr-3654	157	9	diffusion	diffusion	NOUN
fsr-3654	157	10	of	of	ADP
fsr-3654	157	11	electronic	electronic	ADJ
fsr-3654	157	12	payments	payment	NOUN
fsr-3654	157	13	technology	technology	NOUN
fsr-3654	157	14	,	,	PUNCT
fsr-3654	157	15	”	"	PUNCT
fsr-3654	157	16	pp	pp	PROPN
fsr-3654	157	17	.	.	PUNCT
fsr-3654	158	1	13	13	NUM
fsr-3654	158	2	-	-	SYM
fsr-3654	158	3	52	52	NUM
fsr-3654	158	4	in	in	ADP
fsr-3654	158	5	colin	colin	PROPN
fsr-3654	158	6	lawrence	lawrence	PROPN
fsr-3654	158	7	and	and	CCONJ
fsr-3654	158	8	robert	robert	PROPN
fsr-3654	158	9	p.	p.	PROPN
fsr-3654	158	10	shay	shay	PROPN
fsr-3654	158	11	(	(	PUNCT
fsr-3654	158	12	eds	eds	PROPN
fsr-3654	158	13	.	.	PUNCT
fsr-3654	158	14	)	)	PUNCT
fsr-3654	158	15	,	,	PUNCT
fsr-3654	158	16	technological	technological	ADJ
fsr-3654	158	17	innovation	innovation	NOUN
fsr-3654	158	18	,	,	PUNCT
fsr-3654	158	19	regulation	regulation	NOUN
fsr-3654	158	20	,	,	PUNCT
fsr-3654	158	21	and	and	CCONJ
fsr-3654	158	22	the	the	DET
fsr-3654	158	23	monetary	monetary	ADJ
fsr-3654	158	24	economy	economy	NOUN
fsr-3654	158	25	.	.	PUNCT
fsr-3654	159	1	cambridge	cambridge	PROPN
fsr-3654	159	2	,	,	PUNCT
fsr-3654	159	3	ma	ma	PROPN
fsr-3654	159	4	:	:	PUNCT
fsr-3654	159	5	ballinger	ballinger	PROPN
fsr-3654	159	6	.	.	PUNCT
fsr-3654	159	7	canner	canner	NOUN
fsr-3654	159	8	,	,	PUNCT
fsr-3654	159	9	glenn	glenn	PROPN
fsr-3654	159	10	b.	b.	PROPN
fsr-3654	159	11	,	,	PUNCT
fsr-3654	159	12	and	and	CCONJ
fsr-3654	159	13	robert	robert	PROPN
fsr-3654	159	14	d.	d.	PROPN
fsr-3654	159	15	kurtz	kurtz	PROPN
fsr-3654	159	16	.	.	PUNCT
fsr-3654	160	1	1985	1985	NUM
fsr-3654	160	2	.	.	PUNCT
fsr-3654	161	1	“	"	PUNCT
fsr-3654	161	2	service	service	NOUN
fsr-3654	161	3	charges	charge	NOUN
fsr-3654	161	4	as	as	ADP
fsr-3654	161	5	a	a	DET
fsr-3654	161	6	source	source	NOUN
fsr-3654	161	7	of	of	ADP
fsr-3654	161	8	bank	bank	NOUN
fsr-3654	161	9	income	income	NOUN
fsr-3654	161	10	and	and	CCONJ
fsr-3654	161	11	their	their	PRON
fsr-3654	161	12	impact	impact	NOUN
fsr-3654	161	13	on	on	ADP
fsr-3654	161	14	consumers	consumer	NOUN
fsr-3654	161	15	.	.	PUNCT
fsr-3654	161	16	”	"	PUNCT
fsr-3654	162	1	staff	staff	NOUN
fsr-3654	162	2	study	study	NOUN
fsr-3654	162	3	no	no	INTJ
fsr-3654	162	4	.	.	PROPN
fsr-3654	162	5	145	145	NUM
fsr-3654	162	6	,	,	PUNCT
fsr-3654	162	7	board	board	NOUN
fsr-3654	162	8	of	of	ADP
fsr-3654	162	9	governors	governor	NOUN
fsr-3654	162	10	of	of	ADP
fsr-3654	162	11	the	the	DET
fsr-3654	162	12	federal	federal	PROPN
fsr-3654	162	13	reserve	reserve	PROPN
fsr-3654	162	14	system	system	NOUN
fsr-3654	162	15	.	.	PUNCT
fsr-3654	163	1	dunham	dunham	PROPN
fsr-3654	163	2	,	,	PUNCT
fsr-3654	163	3	constance	constance	PROPN
fsr-3654	163	4	.	.	PROPN
fsr-3654	163	5	1983	1983	NUM
fsr-3654	163	6	.	.	PUNCT
fsr-3654	164	1	“	"	PUNCT
fsr-3654	164	2	unravelling	unravel	VERB
fsr-3654	164	3	the	the	DET
fsr-3654	164	4	complexity	complexity	NOUN
fsr-3654	164	5	of	of	ADP
fsr-3654	164	6	now	now	ADV
fsr-3654	164	7	account	account	NOUN
fsr-3654	164	8	pricing	pricing	NOUN
fsr-3654	164	9	,	,	PUNCT
fsr-3654	164	10	”	"	PUNCT
fsr-3654	164	11	new	new	PROPN
fsr-3654	164	12	england	england	PROPN
fsr-3654	164	13	economic	economic	PROPN
fsr-3654	164	14	review	review	PROPN
fsr-3654	164	15	,	,	PUNCT
fsr-3654	164	16	may/	may/	PROPN
fsr-3654	164	17	june	june	PROPN
fsr-3654	164	18	:	:	PUNCT
fsr-3654	164	19	30	30	NUM
fsr-3654	164	20	-	-	SYM
fsr-3654	164	21	45	45	NUM
fsr-3654	164	22	.	.	PUNCT
fsr-3654	165	1	humphrey	humphrey	PROPN
fsr-3654	165	2	,	,	PUNCT
fsr-3654	165	3	david	david	PROPN
fsr-3654	165	4	b.	b.	PROPN
fsr-3654	165	5	,	,	PUNCT
fsr-3654	165	6	and	and	CCONJ
fsr-3654	165	7	allen	allen	PROPN
fsr-3654	165	8	n.	n.	PROPN
fsr-3654	165	9	berger	berger	PROPN
fsr-3654	165	10	.	.	PUNCT
fsr-3654	166	1	1988	1988	NUM
fsr-3654	166	2	.	.	PUNCT
fsr-3654	167	1	“	"	PUNCT
fsr-3654	167	2	market	market	NOUN
fsr-3654	167	3	failure	failure	NOUN
fsr-3654	167	4	and	and	CCONJ
fsr-3654	167	5	resource	resource	NOUN
fsr-3654	167	6	use	use	NOUN
fsr-3654	167	7	:	:	PUNCT
fsr-3654	167	8	economic	economic	ADJ
fsr-3654	167	9	incentives	incentive	NOUN
fsr-3654	167	10	to	to	PART
fsr-3654	167	11	use	use	VERB
fsr-3654	167	12	different	different	ADJ
fsr-3654	167	13	payment	payment	NOUN
fsr-3654	167	14	instruments	instrument	NOUN
fsr-3654	167	15	,	,	PUNCT
fsr-3654	167	16	”	"	PUNCT
fsr-3654	167	17	pp	pp	CCONJ
fsr-3654	167	18	.	.	PUNCT
fsr-3654	168	1	45	45	NUM
fsr-3654	168	2	-	-	SYM
fsr-3654	168	3	86	86	NUM
fsr-3654	168	4	in	in	ADP
fsr-3654	168	5	david	david	PROPN
fsr-3654	168	6	b.	b.	PROPN
fsr-3654	168	7	humphrey	humphrey	PROPN
fsr-3654	168	8	(	(	PUNCT
fsr-3654	168	9	ed	ed	NOUN
fsr-3654	168	10	.	.	PUNCT
fsr-3654	168	11	)	)	PUNCT
fsr-3654	168	12	,	,	PUNCT
fsr-3654	168	13	i?ke	i?ke	NUM
fsr-3654	168	14	u.s	u.s	PROPN
fsr-3654	168	15	.	.	PROPN
fsr-3654	168	16	payments	payment	NOUN
fsr-3654	168	17	system	system	NOUN
fsr-3654	168	18	:	:	PUNCT
fsr-3654	168	19	efficiency	efficiency	NOUN
fsr-3654	168	20	,	,	PUNCT
fsr-3654	168	21	risk	risk	NOUN
fsr-3654	168	22	,	,	PUNCT
fsr-3654	168	23	and	and	CCONJ
fsr-3654	168	24	the	the	DET
fsr-3654	168	25	role	role	NOUN
fsr-3654	168	26	of	of	ADP
fsr-3654	168	27	the	the	DET
fsr-3654	168	28	federal	federal	PROPN
fsr-3654	168	29	reserve	reserve	PROPN
fsr-3654	168	30	.	.	PUNCT
fsr-3654	169	1	boston	boston	PROPN
fsr-3654	169	2	:	:	PUNCT
fsr-3654	169	3	kluwer	kluwer	NOUN
fsr-3654	169	4	.	.	PUNCT
fsr-3654	170	1	44	44	NUM
fsr-3654	170	2	financial	financial	ADJ
fsr-3654	170	3	services	service	NOUN
fsr-3654	170	4	review	review	NOUN
fsr-3654	170	5	,	,	PUNCT
fsr-3654	170	6	l(1	l(1	PROPN
fsr-3654	170	7	)	)	PUNCT
fsr-3654	170	8	1991	1991	NUM
fsr-3654	170	9	mandell	mandell	PROPN
fsr-3654	170	10	,	,	PUNCT
fsr-3654	170	11	lewis	lewis	PROPN
fsr-3654	170	12	.	.	PROPN
fsr-3654	170	13	1972	1972	NUM
fsr-3654	170	14	.	.	PUNCT
fsr-3654	171	1	credit	credit	NOUN
fsr-3654	171	2	card	card	NOUN
fsr-3654	171	3	use	use	NOUN
fsr-3654	171	4	in	in	ADP
fsr-3654	171	5	the	the	DET
fsr-3654	171	6	united	united	PROPN
fsr-3654	171	7	states	states	PROPN
fsr-3654	171	8	.	.	PUNCT
fsr-3654	172	1	ann	ann	PROPN
fsr-3654	172	2	arbor	arbor	PROPN
fsr-3654	172	3	,	,	PUNCT
fsr-3654	172	4	mi	mi	PROPN
fsr-3654	172	5	:	:	PUNCT
fsr-3654	172	6	university	university	PROPN
fsr-3654	172	7	of	of	ADP
fsr-3654	172	8	michigan	michigan	PROPN
fsr-3654	172	9	press	press	PROPN
fsr-3654	172	10	.	.	PUNCT
fsr-3654	173	1	murphy	murphy	PROPN
fsr-3654	173	2	,	,	PUNCT
fsr-3654	173	3	neil	neil	PROPN
fsr-3654	173	4	b.	b.	PROPN
fsr-3654	173	5	1977	1977	NUM
fsr-3654	173	6	.	.	PUNCT
fsr-3654	174	1	“	"	PUNCT
fsr-3654	174	2	bank	bank	NOUN
fsr-3654	174	3	credit	credit	NOUN
fsr-3654	174	4	cards	card	NOUN
fsr-3654	174	5	,	,	PUNCT
fsr-3654	174	6	now	now	ADV
fsr-3654	174	7	accounts	account	NOUN
fsr-3654	174	8	,	,	PUNCT
fsr-3654	174	9	and	and	CCONJ
fsr-3654	174	10	electronic	electronic	ADJ
fsr-3654	174	11	funds	fund	NOUN
fsr-3654	174	12	transfer	transfer	NOUN
fsr-3654	174	13	:	:	PUNCT
fsr-3654	174	14	the	the	DET
fsr-3654	174	15	role	role	NOUN
fsr-3654	174	16	of	of	ADP
fsr-3654	174	17	explicit	explicit	ADJ
fsr-3654	174	18	pricing	pricing	NOUN
fsr-3654	174	19	,	,	PUNCT
fsr-3654	174	20	”	"	PUNCT
fsr-3654	174	21	magazine	magazine	NOUN
fsr-3654	174	22	of	of	ADP
fsr-3654	174	23	bank	bank	PROPN
fsr-3654	174	24	administration	administration	PROPN
fsr-3654	174	25	,	,	PUNCT
fsr-3654	174	26	august	august	PROPN
fsr-3654	174	27	:	:	PUNCT
fsr-3654	174	28	111	111	NUM
fsr-3654	174	29	-	-	PUNCT
fsr-3654	174	30	l	l	NOUN
fsr-3654	174	31	14	14	NUM
fsr-3654	174	32	.	.	PUNCT
fsr-3654	175	1	murphy	murphy	PROPN
fsr-3654	175	2	,	,	PUNCT
fsr-3654	175	3	neil	neil	PROPN
fsr-3654	175	4	b.	b.	PROPN
fsr-3654	175	5	1979	1979	NUM
fsr-3654	175	6	.	.	PUNCT
fsr-3654	176	1	“	"	PUNCT
fsr-3654	176	2	the	the	DET
fsr-3654	176	3	impact	impact	NOUN
fsr-3654	176	4	of	of	ADP
fsr-3654	176	5	payments	payment	NOUN
fsr-3654	176	6	systems	system	NOUN
fsr-3654	176	7	innovation	innovation	NOUN
fsr-3654	176	8	on	on	ADP
fsr-3654	176	9	consumer	consumer	NOUN
fsr-3654	176	10	check	check	NOUN
fsr-3654	176	11	writing	writing	NOUN
fsr-3654	176	12	,	,	PUNCT
fsr-3654	176	13	”	"	PUNCT
fsr-3654	176	14	journal	journal	NOUN
fsr-3654	176	15	of	of	ADP
fsr-3654	176	16	retail	retail	ADJ
fsr-3654	176	17	banking	banking	NOUN
fsr-3654	176	18	,	,	PUNCT
fsr-3654	176	19	1	1	NUM
fsr-3654	176	20	:	:	SYM
fsr-3654	176	21	27	27	NUM
fsr-3654	176	22	-	-	SYM
fsr-3654	176	23	32	32	NUM
fsr-3654	176	24	.	.	PUNCT
fsr-3654	177	1	murphy	murphy	PROPN
fsr-3654	177	2	,	,	PUNCT
fsr-3654	177	3	neil	neil	PROPN
fsr-3654	177	4	b.	b.	PROPN
fsr-3654	177	5	1990	1990	NUM
fsr-3654	177	6	.	.	PUNCT
fsr-3654	178	1	“	"	PUNCT
fsr-3654	178	2	one	one	NUM
fsr-3654	178	3	-	-	PUNCT
fsr-3654	178	4	stop	stop	VERB
fsr-3654	178	5	financial	financial	ADJ
fsr-3654	178	6	service	service	NOUN
fsr-3654	178	7	delivery	delivery	NOUN
fsr-3654	178	8	opportunities	opportunity	NOUN
fsr-3654	178	9	in	in	ADP
fsr-3654	178	10	a	a	DET
fsr-3654	178	11	world	world	NOUN
fsr-3654	178	12	of	of	ADP
fsr-3654	178	13	automated	automate	VERB
fsr-3654	178	14	self	self	NOUN
fsr-3654	178	15	-	-	PUNCT
fsr-3654	178	16	service	service	NOUN
fsr-3654	178	17	banking	banking	NOUN
fsr-3654	178	18	:	:	PUNCT
fsr-3654	178	19	some	some	DET
fsr-3654	178	20	evidence	evidence	NOUN
fsr-3654	178	21	from	from	ADP
fsr-3654	178	22	the	the	DET
fsr-3654	178	23	united	united	PROPN
fsr-3654	178	24	states	states	PROPN
fsr-3654	178	25	,	,	PUNCT
fsr-3654	178	26	”	"	PUNCT
fsr-3654	178	27	pp	pp	CCONJ
fsr-3654	178	28	.	.	PUNCT
fsr-3654	179	1	283	283	NUM
fsr-3654	179	2	-	-	SYM
fsr-3654	179	3	292	292	NUM
fsr-3654	179	4	in	in	ADP
fsr-3654	179	5	e.p.m	e.p.m	PROPN
fsr-3654	179	6	.	.	PROPN
fsr-3654	179	7	gardener	gardener	PROPN
fsr-3654	179	8	,	,	PUNCT
fsr-3654	179	9	the	the	DET
fsr-3654	179	10	future	future	NOUN
fsr-3654	179	11	of	of	ADP
fsr-3654	179	12	financial	financial	ADJ
fsr-3654	179	13	systems	system	NOUN
fsr-3654	179	14	and	and	CCONJ
fsr-3654	179	15	services	service	NOUN
fsr-3654	179	16	.	.	PUNCT
fsr-3654	180	1	london	london	PROPN
fsr-3654	180	2	:	:	PUNCT
fsr-3654	180	3	macmillan	macmillan	PROPN
fsr-3654	180	4	and	and	CCONJ
fsr-3654	180	5	co.	co.	PROPN
fsr-3654	180	6	spellman	spellman	PROPN
fsr-3654	180	7	,	,	PUNCT
fsr-3654	180	8	lewis	lewis	PROPN
fsr-3654	180	9	j.	j.	PROPN
fsr-3654	180	10	1982	1982	NUM
fsr-3654	180	11	.	.	PUNCT
fsr-3654	181	1	7?ze	7?ze	NUM
fsr-3654	181	2	depository	depository	NOUN
fsr-3654	181	3	firm	firm	NOUN
fsr-3654	181	4	and	and	CCONJ
fsr-3654	181	5	industry	industry	NOUN
fsr-3654	181	6	:	:	PUNCT
fsr-3654	181	7	theory	theory	NOUN
fsr-3654	181	8	,	,	PUNCT
fsr-3654	181	9	history	history	NOUN
fsr-3654	181	10	and	and	CCONJ
fsr-3654	181	11	regulation	regulation	NOUN
fsr-3654	181	12	.	.	PUNCT
fsr-3654	182	1	new	new	PROPN
fsr-3654	182	2	york	york	PROPN
fsr-3654	182	3	:	:	PUNCT
fsr-3654	182	4	academic	academic	ADJ
fsr-3654	182	5	press	press	NOUN
fsr-3654	182	6	.	.	PUNCT
fsr-3654	183	1	taggart	taggart	NOUN
fsr-3654	183	2	,	,	PUNCT
fsr-3654	183	3	robert	robert	PROPN
fsr-3654	183	4	a.	a.	PROPN
fsr-3654	183	5	jr	jr	PROPN
fsr-3654	183	6	.	.	PROPN
fsr-3654	183	7	1978	1978	NUM
fsr-3654	183	8	.	.	PUNCT
fsr-3654	184	1	“	"	PUNCT
fsr-3654	184	2	effects	effect	NOUN
fsr-3654	184	3	of	of	ADP
fsr-3654	184	4	deposit	deposit	NOUN
fsr-3654	184	5	rate	rate	NOUN
fsr-3654	184	6	ceilings	ceiling	NOUN
fsr-3654	184	7	:	:	PUNCT
fsr-3654	184	8	the	the	DET
fsr-3654	184	9	evidence	evidence	NOUN
fsr-3654	184	10	from	from	ADP
fsr-3654	184	11	massachusetts	massachusetts	PROPN
fsr-3654	184	12	savings	saving	NOUN
fsr-3654	184	13	banks	bank	NOUN
fsr-3654	184	14	,	,	PUNCT
fsr-3654	184	15	”	"	PUNCT
fsr-3654	184	16	journal	journal	NOUN
fsr-3654	184	17	of	of	ADP
fsr-3654	184	18	money	money	NOUN
fsr-3654	184	19	,	,	PUNCT
fsr-3654	184	20	credit	credit	NOUN
fsr-3654	184	21	and	and	CCONJ
fsr-3654	184	22	banking	banking	NOUN
fsr-3654	184	23	,	,	PUNCT
fsr-3654	184	24	10	10	NUM
fsr-3654	184	25	:	:	SYM
fsr-3654	184	26	139	139	NUM
fsr-3654	184	27	-	-	PUNCT
fsr-3654	184	28	l	l	NOUN
fsr-3654	184	29	57	57	NUM
fsr-3654	184	30	.	.	PUNCT