id	sid	tid	token	lemma	pos
fsr-3674	1	1	pii	pii	PROPN
fsr-3674	1	2	:	:	PUNCT
fsr-3674	1	3	1057	1057	NUM
fsr-3674	1	4	-	-	PUNCT
fsr-3674	1	5	0810(91)90025	0810(91)90025	NUM
fsr-3674	1	6	-	-	PUNCT
fsr-3674	1	7	t	t	NOUN
fsr-3674	1	8	from	from	ADP
fsr-3674	1	9	the	the	DET
fsr-3674	1	10	editor	editor	NOUN
fsr-3674	1	11	financial	financial	ADJ
fsr-3674	1	12	planning	planning	NOUN
fsr-3674	1	13	for	for	ADP
fsr-3674	1	14	the	the	DET
fsr-3674	1	15	family	family	NOUN
fsr-3674	1	16	or	or	CCONJ
fsr-3674	1	17	individual	individual	NOUN
fsr-3674	1	18	is	be	AUX
fsr-3674	1	19	far	far	ADV
fsr-3674	1	20	more	more	ADV
fsr-3674	1	21	difficult	difficult	ADJ
fsr-3674	1	22	than	than	ADP
fsr-3674	1	23	financial	financial	ADJ
fsr-3674	1	24	planning	planning	NOUN
fsr-3674	1	25	for	for	ADP
fsr-3674	1	26	the	the	DET
fsr-3674	1	27	corporation	corporation	NOUN
fsr-3674	1	28	,	,	PUNCT
fsr-3674	1	29	in	in	ADP
fsr-3674	1	30	large	large	ADJ
fsr-3674	1	31	part	part	NOUN
fsr-3674	1	32	because	because	SCONJ
fsr-3674	1	33	the	the	DET
fsr-3674	1	34	former	former	ADJ
fsr-3674	1	35	lacks	lack	VERB
fsr-3674	1	36	anything	anything	PRON
fsr-3674	1	37	resembling	resemble	VERB
fsr-3674	1	38	a	a	DET
fsr-3674	1	39	viable	viable	ADJ
fsr-3674	1	40	optimization	optimization	NOUN
fsr-3674	1	41	criterion	criterion	NOUN
fsr-3674	1	42	.	.	PUNCT
fsr-3674	2	1	those	those	PRON
fsr-3674	2	2	of	of	ADP
fsr-3674	2	3	us	we	PRON
fsr-3674	2	4	interested	interested	ADJ
fsr-3674	2	5	in	in	ADP
fsr-3674	2	6	individual	individual	ADJ
fsr-3674	2	7	financial	financial	ADJ
fsr-3674	2	8	management	management	NOUN
fsr-3674	2	9	can	can	AUX
fsr-3674	2	10	not	not	PART
fsr-3674	2	11	seek	seek	VERB
fsr-3674	2	12	simply	simply	ADV
fsr-3674	2	13	to	to	PART
fsr-3674	2	14	maximize	maximize	VERB
fsr-3674	2	15	shareholder	shareholder	NOUN
fsr-3674	2	16	wealth	wealth	NOUN
fsr-3674	2	17	.	.	PUNCT
fsr-3674	3	1	this	this	PRON
fsr-3674	3	2	is	be	AUX
fsr-3674	3	3	partly	partly	ADV
fsr-3674	3	4	because	because	SCONJ
fsr-3674	3	5	the	the	DET
fsr-3674	3	6	“	"	PUNCT
fsr-3674	3	7	shareholders	shareholder	NOUN
fsr-3674	3	8	”	"	PUNCT
fsr-3674	3	9	of	of	ADP
fsr-3674	3	10	a	a	DET
fsr-3674	3	11	family	family	NOUN
fsr-3674	3	12	are	be	AUX
fsr-3674	3	13	simultaneously	simultaneously	ADV
fsr-3674	3	14	its	its	PRON
fsr-3674	3	15	time	time	NOUN
fsr-3674	3	16	-	-	PUNCT
fsr-3674	3	17	constrained	constrain	VERB
fsr-3674	3	18	consumers	consumer	NOUN
fsr-3674	3	19	and	and	CCONJ
fsr-3674	3	20	producers	producer	NOUN
fsr-3674	3	21	,	,	PUNCT
fsr-3674	3	22	partly	partly	ADV
fsr-3674	3	23	because	because	SCONJ
fsr-3674	3	24	there	there	PRON
fsr-3674	3	25	is	be	VERB
fsr-3674	3	26	no	no	DET
fsr-3674	3	27	legal	legal	ADJ
fsr-3674	3	28	or	or	CCONJ
fsr-3674	3	29	viable	viable	ADJ
fsr-3674	3	30	market	market	NOUN
fsr-3674	3	31	for	for	ADP
fsr-3674	3	32	a	a	DET
fsr-3674	3	33	family	family	NOUN
fsr-3674	3	34	’s	’s	PART
fsr-3674	3	35	wealth	wealth	NOUN
fsr-3674	3	36	,	,	PUNCT
fsr-3674	3	37	and	and	CCONJ
fsr-3674	3	38	partly	partly	ADV
fsr-3674	3	39	because	because	SCONJ
fsr-3674	3	40	inter	inter	ADJ
fsr-3674	3	41	-	-	ADJ
fsr-3674	3	42	family	family	ADJ
fsr-3674	3	43	agency	agency	NOUN
fsr-3674	3	44	problems	problem	NOUN
fsr-3674	3	45	make	make	VERB
fsr-3674	3	46	it	it	PRON
fsr-3674	3	47	difficult	difficult	ADJ
fsr-3674	3	48	to	to	PART
fsr-3674	3	49	identify	identify	VERB
fsr-3674	3	50	the	the	DET
fsr-3674	3	51	ultimate	ultimate	ADJ
fsr-3674	3	52	shareholder	shareholder	NOUN
fsr-3674	3	53	.	.	PUNCT
fsr-3674	4	1	economists	economist	NOUN
fsr-3674	4	2	suggest	suggest	VERB
fsr-3674	4	3	that	that	SCONJ
fsr-3674	4	4	we	we	PRON
fsr-3674	4	5	broaden	broaden	VERB
fsr-3674	4	6	the	the	DET
fsr-3674	4	7	optimization	optimization	NOUN
fsr-3674	4	8	criterion	criterion	NOUN
fsr-3674	4	9	to	to	ADP
fsr-3674	4	10	that	that	PRON
fsr-3674	4	11	of	of	ADP
fsr-3674	4	12	utility	utility	NOUN
fsr-3674	4	13	maximization	maximization	NOUN
fsr-3674	4	14	.	.	PUNCT
fsr-3674	5	1	while	while	SCONJ
fsr-3674	5	2	theoretically	theoretically	ADV
fsr-3674	5	3	elegant	elegant	ADJ
fsr-3674	5	4	,	,	PUNCT
fsr-3674	5	5	this	this	DET
fsr-3674	5	6	solution	solution	NOUN
fsr-3674	5	7	lacks	lack	VERB
fsr-3674	5	8	practicality	practicality	NOUN
fsr-3674	5	9	.	.	PUNCT
fsr-3674	6	1	ignoring	ignore	VERB
fsr-3674	6	2	the	the	DET
fsr-3674	6	3	agency	agency	NOUN
fsr-3674	6	4	problem	problem	NOUN
fsr-3674	6	5	of	of	ADP
fsr-3674	6	6	how	how	SCONJ
fsr-3674	6	7	family	family	NOUN
fsr-3674	6	8	members	member	NOUN
fsr-3674	6	9	trade	trade	VERB
fsr-3674	6	10	off	off	ADP
fsr-3674	6	11	their	their	PRON
fsr-3674	6	12	individual	individual	ADJ
fsr-3674	6	13	utilities	utility	NOUN
fsr-3674	6	14	in	in	ADP
fsr-3674	6	15	favor	favor	NOUN
fsr-3674	6	16	of	of	ADP
fsr-3674	6	17	maximizing	maximize	VERB
fsr-3674	6	18	the	the	DET
fsr-3674	6	19	family	family	NOUN
fsr-3674	6	20	’s	’s	PART
fsr-3674	6	21	utility	utility	NOUN
fsr-3674	6	22	,	,	PUNCT
fsr-3674	6	23	we	we	PRON
fsr-3674	6	24	are	be	AUX
fsr-3674	6	25	still	still	ADV
fsr-3674	6	26	faced	face	VERB
fsr-3674	6	27	with	with	ADP
fsr-3674	6	28	complex	complex	ADJ
fsr-3674	6	29	problems	problem	NOUN
fsr-3674	6	30	including	include	VERB
fsr-3674	6	31	the	the	DET
fsr-3674	6	32	allocation	allocation	NOUN
fsr-3674	6	33	of	of	ADP
fsr-3674	6	34	wealth	wealth	NOUN
fsr-3674	6	35	to	to	PART
fsr-3674	6	36	present	present	VERB
fsr-3674	6	37	consumption	consumption	NOUN
fsr-3674	6	38	or	or	CCONJ
fsr-3674	6	39	future	future	ADJ
fsr-3674	6	40	consumption	consumption	NOUN
fsr-3674	6	41	through	through	ADP
fsr-3674	6	42	compatible	compatible	ADJ
fsr-3674	6	43	investment	investment	NOUN
fsr-3674	6	44	vehicles	vehicle	NOUN
fsr-3674	6	45	.	.	PUNCT
fsr-3674	7	1	in	in	ADP
fsr-3674	7	2	our	our	PRON
fsr-3674	7	3	opening	opening	NOUN
fsr-3674	7	4	article	article	NOUN
fsr-3674	7	5	,	,	PUNCT
fsr-3674	7	6	“	"	PUNCT
fsr-3674	7	7	personal	personal	ADJ
fsr-3674	7	8	financial	financial	ADJ
fsr-3674	7	9	planning	planning	NOUN
fsr-3674	7	10	and	and	CCONJ
fsr-3674	7	11	the	the	DET
fsr-3674	7	12	allocation	allocation	NOUN
fsr-3674	7	13	of	of	ADP
fsr-3674	7	14	disposable	disposable	ADJ
fsr-3674	7	15	wealth	wealth	NOUN
fsr-3674	7	16	,	,	PUNCT
fsr-3674	7	17	”	"	PUNCT
fsr-3674	7	18	by	by	ADP
fsr-3674	7	19	amy	amy	PROPN
fsr-3674	7	20	and	and	CCONJ
fsr-3674	7	21	robert	robert	PROPN
fsr-3674	7	22	puelz	puelz	PROPN
fsr-3674	7	23	,	,	PUNCT
fsr-3674	7	24	the	the	DET
fsr-3674	7	25	authors	author	NOUN
fsr-3674	7	26	state	state	VERB
fsr-3674	7	27	that	that	SCONJ
fsr-3674	7	28	“	"	PUNCT
fsr-3674	7	29	in	in	ADP
fsr-3674	7	30	the	the	DET
fsr-3674	7	31	personal	personal	ADJ
fsr-3674	7	32	financial	financial	ADJ
fsr-3674	7	33	planning	planning	NOUN
fsr-3674	7	34	literature	literature	NOUN
fsr-3674	7	35	,	,	PUNCT
fsr-3674	7	36	however	however	ADV
fsr-3674	7	37	,	,	PUNCT
fsr-3674	7	38	there	there	PRON
fsr-3674	7	39	is	be	VERB
fsr-3674	7	40	no	no	DET
fsr-3674	7	41	decision	decision	NOUN
fsr-3674	7	42	model	model	NOUN
fsr-3674	7	43	that	that	PRON
fsr-3674	7	44	fully	fully	ADV
fsr-3674	7	45	integrates	integrate	VERB
fsr-3674	7	46	an	an	DET
fsr-3674	7	47	individual	individual	NOUN
fsr-3674	7	48	’s	’s	PART
fsr-3674	7	49	subjective	subjective	ADJ
fsr-3674	7	50	valuation	valuation	NOUN
fsr-3674	7	51	of	of	ADP
fsr-3674	7	52	all	all	DET
fsr-3674	7	53	objectives	objective	NOUN
fsr-3674	7	54	and	and	CCONJ
fsr-3674	7	55	constraints	constraint	NOUN
fsr-3674	7	56	relevant	relevant	ADJ
fsr-3674	7	57	to	to	ADP
fsr-3674	7	58	this	this	DET
fsr-3674	7	59	time	time	NOUN
fsr-3674	7	60	dependent	dependent	ADJ
fsr-3674	7	61	wealth	wealth	NOUN
fsr-3674	7	62	allocation	allocation	NOUN
fsr-3674	7	63	problem	problem	NOUN
fsr-3674	7	64	.	.	PUNCT
fsr-3674	7	65	”	"	PUNCT
fsr-3674	8	1	since	since	SCONJ
fsr-3674	8	2	conflicting	conflicting	ADJ
fsr-3674	8	3	goals	goal	NOUN
fsr-3674	8	4	can	can	AUX
fsr-3674	8	5	not	not	PART
fsr-3674	8	6	be	be	AUX
fsr-3674	8	7	simultaneously	simultaneously	ADV
fsr-3674	8	8	achieved	achieve	VERB
fsr-3674	8	9	,	,	PUNCT
fsr-3674	8	10	the	the	DET
fsr-3674	8	11	authors	author	NOUN
fsr-3674	8	12	propose	propose	VERB
fsr-3674	8	13	the	the	DET
fsr-3674	8	14	“	"	PUNCT
fsr-3674	8	15	satisficing	satisficing	NOUN
fsr-3674	8	16	”	"	PUNCT
fsr-3674	8	17	of	of	ADP
fsr-3674	8	18	multiple	multiple	ADJ
fsr-3674	8	19	goals	goal	NOUN
fsr-3674	8	20	,	,	PUNCT
fsr-3674	8	21	a	a	DET
fsr-3674	8	22	solution	solution	NOUN
fsr-3674	8	23	first	first	ADV
fsr-3674	8	24	proposed	propose	VERB
fsr-3674	8	25	by	by	ADP
fsr-3674	8	26	herbert	herbert	PROPN
fsr-3674	8	27	simon	simon	PROPN
fsr-3674	8	28	in	in	ADP
fsr-3674	8	29	1955	1955	NUM
fsr-3674	8	30	.	.	PUNCT
fsr-3674	9	1	they	they	PRON
fsr-3674	9	2	achieve	achieve	VERB
fsr-3674	9	3	this	this	PRON
fsr-3674	9	4	through	through	ADP
fsr-3674	9	5	two	two	NUM
fsr-3674	9	6	decision	decision	NOUN
fsr-3674	9	7	-	-	PUNCT
fsr-3674	9	8	making	make	VERB
fsr-3674	9	9	techniques	technique	NOUN
fsr-3674	9	10	,	,	PUNCT
fsr-3674	9	11	goal	goal	NOUN
fsr-3674	9	12	programming	programming	NOUN
fsr-3674	9	13	and	and	CCONJ
fsr-3674	9	14	the	the	DET
fsr-3674	9	15	analytical	analytical	ADJ
fsr-3674	9	16	hierarchy	hierarchy	NOUN
fsr-3674	9	17	process	process	NOUN
fsr-3674	9	18	.	.	PUNCT
fsr-3674	10	1	the	the	DET
fsr-3674	10	2	second	second	ADJ
fsr-3674	10	3	article	article	NOUN
fsr-3674	10	4	addresses	address	VERB
fsr-3674	10	5	a	a	DET
fsr-3674	10	6	more	more	ADV
fsr-3674	10	7	practical	practical	ADJ
fsr-3674	10	8	and	and	CCONJ
fsr-3674	10	9	immediate	immediate	ADJ
fsr-3674	10	10	problem	problem	NOUN
fsr-3674	10	11	.	.	PUNCT
fsr-3674	11	1	small	small	ADJ
fsr-3674	11	2	investors	investor	NOUN
fsr-3674	11	3	are	be	AUX
fsr-3674	11	4	susceptible	susceptible	ADJ
fsr-3674	11	5	to	to	PART
fsr-3674	11	6	“	"	PUNCT
fsr-3674	11	7	get	get	VERB
fsr-3674	11	8	rich	rich	ADJ
fsr-3674	11	9	quick	quick	ADJ
fsr-3674	11	10	”	"	PUNCT
fsr-3674	11	11	investment	investment	NOUN
fsr-3674	11	12	schemes	scheme	NOUN
fsr-3674	11	13	based	base	VERB
fsr-3674	11	14	upon	upon	SCONJ
fsr-3674	11	15	alleged	alleged	ADJ
fsr-3674	11	16	anomalies	anomaly	NOUN
fsr-3674	11	17	in	in	ADP
fsr-3674	11	18	otherwise	otherwise	ADV
fsr-3674	11	19	reasonably	reasonably	ADV
fsr-3674	11	20	efficient	efficient	ADJ
fsr-3674	11	21	investment	investment	NOUN
fsr-3674	11	22	markets	market	NOUN
fsr-3674	11	23	.	.	PUNCT
fsr-3674	12	1	one	one	NUM
fsr-3674	12	2	such	such	ADJ
fsr-3674	12	3	anomaly	anomaly	NOUN
fsr-3674	12	4	suggests	suggest	VERB
fsr-3674	12	5	that	that	SCONJ
fsr-3674	12	6	it	it	PRON
fsr-3674	12	7	only	only	ADV
fsr-3674	12	8	pays	pay	VERB
fsr-3674	12	9	to	to	PART
fsr-3674	12	10	be	be	AUX
fsr-3674	12	11	in	in	ADP
fsr-3674	12	12	the	the	DET
fsr-3674	12	13	market	market	NOUN
fsr-3674	12	14	in	in	ADP
fsr-3674	12	15	january	january	PROPN
fsr-3674	12	16	.	.	PUNCT
fsr-3674	13	1	in	in	ADP
fsr-3674	13	2	their	their	PRON
fsr-3674	13	3	article	article	NOUN
fsr-3674	13	4	entitled	entitle	VERB
fsr-3674	13	5	“	"	PUNCT
fsr-3674	13	6	should	should	AUX
fsr-3674	13	7	the	the	DET
fsr-3674	13	8	small	small	ADJ
fsr-3674	13	9	investor	investor	NOUN
fsr-3674	13	10	be	be	AUX
fsr-3674	13	11	out	out	ADP
fsr-3674	13	12	of	of	ADP
fsr-3674	13	13	the	the	DET
fsr-3674	13	14	market	market	NOUN
fsr-3674	13	15	outside	outside	ADP
fsr-3674	13	16	of	of	ADP
fsr-3674	13	17	january	january	PROPN
fsr-3674	13	18	?	?	PUNCT
fsr-3674	13	19	,	,	PUNCT
fsr-3674	13	20	”	"	PUNCT
fsr-3674	13	21	steven	steven	PROPN
fsr-3674	13	22	mann	mann	PROPN
fsr-3674	13	23	and	and	CCONJ
fsr-3674	13	24	donald	donald	PROPN
fsr-3674	13	25	solberg	solberg	PROPN
fsr-3674	13	26	conclude	conclude	VERB
fsr-3674	13	27	that	that	SCONJ
fsr-3674	13	28	evidence	evidence	NOUN
fsr-3674	13	29	supporting	support	VERB
fsr-3674	13	30	the	the	DET
fsr-3674	13	31	january	january	PROPN
fsr-3674	13	32	anomaly	anomaly	NOUN
fsr-3674	13	33	is	be	AUX
fsr-3674	13	34	not	not	PART
fsr-3674	13	35	strong	strong	ADJ
fsr-3674	13	36	and	and	CCONJ
fsr-3674	13	37	that	that	SCONJ
fsr-3674	13	38	the	the	DET
fsr-3674	13	39	investor	investor	NOUN
fsr-3674	13	40	should	should	AUX
fsr-3674	13	41	be	be	AUX
fsr-3674	13	42	wary	wary	ADJ
fsr-3674	13	43	of	of	ADP
fsr-3674	13	44	the	the	DET
fsr-3674	13	45	claim	claim	NOUN
fsr-3674	13	46	.	.	PUNCT
fsr-3674	14	1	in	in	ADP
fsr-3674	14	2	recent	recent	ADJ
fsr-3674	14	3	years	year	NOUN
fsr-3674	14	4	,	,	PUNCT
fsr-3674	14	5	the	the	DET
fsr-3674	14	6	proportion	proportion	NOUN
fsr-3674	14	7	of	of	ADP
fsr-3674	14	8	consumers	consumer	NOUN
fsr-3674	14	9	leasing	lease	VERB
fsr-3674	14	10	cars	car	NOUN
fsr-3674	14	11	has	have	AUX
fsr-3674	14	12	increased	increase	VERB
fsr-3674	14	13	dramatically	dramatically	ADV
fsr-3674	14	14	,	,	PUNCT
fsr-3674	14	15	extending	extend	VERB
fsr-3674	14	16	the	the	DET
fsr-3674	14	17	lease	lease	NOUN
fsr-3674	14	18	versus	versus	SCONJ
fsr-3674	14	19	buy	buy	VERB
fsr-3674	14	20	decision	decision	NOUN
fsr-3674	14	21	from	from	ADP
fsr-3674	14	22	the	the	DET
fsr-3674	14	23	corporation	corporation	NOUN
fsr-3674	14	24	to	to	ADP
fsr-3674	14	25	the	the	DET
fsr-3674	14	26	v	v	PROPN
fsr-3674	14	27	vi	vi	PROPN
fsr-3674	14	28	financial	financial	ADJ
fsr-3674	14	29	services	service	NOUN
fsr-3674	14	30	review	review	NOUN
fsr-3674	14	31	,	,	PUNCT
fsr-3674	14	32	l(2	l(2	PROPN
fsr-3674	14	33	)	)	PUNCT
fsr-3674	14	34	1991	1991	NUM
fsr-3674	14	35	household	household	NOUN
fsr-3674	14	36	.	.	PUNCT
fsr-3674	15	1	some	some	PRON
fsr-3674	15	2	have	have	AUX
fsr-3674	15	3	attributed	attribute	VERB
fsr-3674	15	4	this	this	DET
fsr-3674	15	5	new	new	ADJ
fsr-3674	15	6	development	development	NOUN
fsr-3674	15	7	to	to	ADP
fsr-3674	15	8	tra86	tra86	PROPN
fsr-3674	15	9	which	which	PRON
fsr-3674	15	10	phased	phase	VERB
fsr-3674	15	11	out	out	ADP
fsr-3674	15	12	the	the	DET
fsr-3674	15	13	tax	tax	NOUN
fsr-3674	15	14	deductibility	deductibility	NOUN
fsr-3674	15	15	of	of	ADP
fsr-3674	15	16	consumer	consumer	NOUN
fsr-3674	15	17	automobile	automobile	NOUN
fsr-3674	15	18	loans	loan	NOUN
fsr-3674	15	19	not	not	PART
fsr-3674	15	20	secured	secure	VERB
fsr-3674	15	21	by	by	ADP
fsr-3674	15	22	home	home	NOUN
fsr-3674	15	23	equity	equity	NOUN
fsr-3674	15	24	.	.	PUNCT
fsr-3674	16	1	in	in	ADP
fsr-3674	16	2	their	their	PRON
fsr-3674	16	3	article	article	NOUN
fsr-3674	16	4	entitled	entitle	VERB
fsr-3674	16	5	“	"	PUNCT
fsr-3674	16	6	effective	effective	ADJ
fsr-3674	16	7	credit	credit	NOUN
fsr-3674	16	8	costs	cost	NOUN
fsr-3674	16	9	in	in	ADP
fsr-3674	16	10	retail	retail	ADJ
fsr-3674	16	11	financial	financial	ADJ
fsr-3674	16	12	markets	market	NOUN
fsr-3674	16	13	:	:	PUNCT
fsr-3674	16	14	leasing	lease	VERB
fsr-3674	16	15	vs.	vs.	ADP
fsr-3674	16	16	borrowing	borrowing	NOUN
fsr-3674	16	17	,	,	PUNCT
fsr-3674	16	18	”	"	PUNCT
fsr-3674	16	19	d.	d.	PROPN
fsr-3674	16	20	anthony	anthony	PROPN
fsr-3674	16	21	plath	plath	PROPN
fsr-3674	16	22	and	and	CCONJ
fsr-3674	16	23	bennie	bennie	PROPN
fsr-3674	16	24	h.	h.	PROPN
fsr-3674	16	25	nunnally	nunnally	ADV
fsr-3674	16	26	use	use	VERB
fsr-3674	16	27	empirical	empirical	ADJ
fsr-3674	16	28	analysis	analysis	NOUN
fsr-3674	16	29	to	to	PART
fsr-3674	16	30	come	come	VERB
fsr-3674	16	31	up	up	ADP
fsr-3674	16	32	with	with	ADP
fsr-3674	16	33	two	two	NUM
fsr-3674	16	34	very	very	ADV
fsr-3674	16	35	significant	significant	ADJ
fsr-3674	16	36	results	result	NOUN
fsr-3674	16	37	.	.	PUNCT
fsr-3674	17	1	first	first	ADV
fsr-3674	17	2	,	,	PUNCT
fsr-3674	17	3	neither	neither	DET
fsr-3674	17	4	form	form	NOUN
fsr-3674	17	5	of	of	ADP
fsr-3674	17	6	financing	financing	NOUN
fsr-3674	17	7	is	be	AUX
fsr-3674	17	8	superior	superior	ADJ
fsr-3674	17	9	.	.	PUNCT
fsr-3674	18	1	in	in	ADP
fsr-3674	18	2	about	about	ADV
fsr-3674	18	3	half	half	DET
fsr-3674	18	4	the	the	DET
fsr-3674	18	5	cases	case	NOUN
fsr-3674	18	6	,	,	PUNCT
fsr-3674	18	7	leasing	leasing	NOUN
fsr-3674	18	8	is	be	AUX
fsr-3674	18	9	less	less	ADV
fsr-3674	18	10	expensive	expensive	ADJ
fsr-3674	18	11	and	and	CCONJ
fsr-3674	18	12	in	in	ADP
fsr-3674	18	13	the	the	DET
fsr-3674	18	14	other	other	ADJ
fsr-3674	18	15	half	half	NOUN
fsr-3674	18	16	,	,	PUNCT
fsr-3674	18	17	borrowing	borrowing	NOUN
fsr-3674	18	18	proves	prove	VERB
fsr-3674	18	19	cheaper	cheap	ADJ
fsr-3674	18	20	.	.	PUNCT
fsr-3674	19	1	second	second	ADJ
fsr-3674	19	2	,	,	PUNCT
fsr-3674	19	3	the	the	DET
fsr-3674	19	4	cost	cost	NOUN
fsr-3674	19	5	of	of	ADP
fsr-3674	19	6	financing	financing	NOUN
fsr-3674	19	7	is	be	AUX
fsr-3674	19	8	substantially	substantially	ADV
fsr-3674	19	9	understated	understate	VERB
fsr-3674	19	10	by	by	ADP
fsr-3674	19	11	both	both	DET
fsr-3674	19	12	lenders	lender	NOUN
fsr-3674	19	13	and	and	CCONJ
fsr-3674	19	14	leasers	leaser	NOUN
fsr-3674	19	15	,	,	PUNCT
fsr-3674	19	16	particularly	particularly	ADV
fsr-3674	19	17	the	the	DET
fsr-3674	19	18	latter	latter	ADJ
fsr-3674	19	19	who	who	PRON
fsr-3674	19	20	are	be	AUX
fsr-3674	19	21	not	not	PART
fsr-3674	19	22	bound	bind	VERB
fsr-3674	19	23	by	by	ADP
fsr-3674	19	24	the	the	DET
fsr-3674	19	25	uniform	uniform	ADJ
fsr-3674	19	26	reporting	reporting	NOUN
fsr-3674	19	27	standards	standard	NOUN
fsr-3674	19	28	of	of	ADP
fsr-3674	19	29	the	the	DET
fsr-3674	19	30	truth	truth	NOUN
fsr-3674	19	31	-	-	PUNCT
fsr-3674	19	32	in	in	ADP
fsr-3674	19	33	-	-	PUNCT
fsr-3674	19	34	lending	lending	NOUN
fsr-3674	19	35	act	act	NOUN
fsr-3674	19	36	.	.	PUNCT
fsr-3674	20	1	the	the	DET
fsr-3674	20	2	fourth	fourth	ADJ
fsr-3674	20	3	article	article	NOUN
fsr-3674	20	4	,	,	PUNCT
fsr-3674	20	5	“	"	PUNCT
fsr-3674	20	6	comparing	compare	VERB
fsr-3674	20	7	mortgages	mortgage	NOUN
fsr-3674	20	8	with	with	ADP
fsr-3674	20	9	different	different	ADJ
fsr-3674	20	10	payment	payment	NOUN
fsr-3674	20	11	frequencies	frequency	NOUN
fsr-3674	20	12	,	,	PUNCT
fsr-3674	20	13	”	"	PUNCT
fsr-3674	20	14	by	by	ADP
fsr-3674	20	15	arefaine	arefaine	ADJ
fsr-3674	20	16	yohannes	yohanne	NOUN
fsr-3674	20	17	is	be	AUX
fsr-3674	20	18	a	a	DET
fsr-3674	20	19	behavioral	behavioral	ADJ
fsr-3674	20	20	study	study	NOUN
fsr-3674	20	21	of	of	ADP
fsr-3674	20	22	consumers	consumer	NOUN
fsr-3674	20	23	designed	design	VERB
fsr-3674	20	24	to	to	PART
fsr-3674	20	25	find	find	VERB
fsr-3674	20	26	out	out	ADP
fsr-3674	20	27	who	who	PRON
fsr-3674	20	28	uses	use	VERB
fsr-3674	20	29	the	the	DET
fsr-3674	20	30	biweekly	biweekly	ADJ
fsr-3674	20	31	payment	payment	NOUN
fsr-3674	20	32	mortgage	mortgage	NOUN
fsr-3674	20	33	.	.	PUNCT
fsr-3674	21	1	the	the	DET
fsr-3674	21	2	use	use	NOUN
fsr-3674	21	3	of	of	ADP
fsr-3674	21	4	this	this	DET
fsr-3674	21	5	option	option	NOUN
fsr-3674	21	6	tends	tend	VERB
fsr-3674	21	7	to	to	PART
fsr-3674	21	8	reduce	reduce	VERB
fsr-3674	21	9	the	the	DET
fsr-3674	21	10	term	term	NOUN
fsr-3674	21	11	of	of	ADP
fsr-3674	21	12	a	a	DET
fsr-3674	21	13	30	30	NUM
fsr-3674	21	14	year	year	NOUN
fsr-3674	21	15	mortgage	mortgage	NOUN
fsr-3674	21	16	by	by	ADP
fsr-3674	21	17	about	about	ADV
fsr-3674	21	18	a	a	DET
fsr-3674	21	19	third	third	NOUN
fsr-3674	21	20	.	.	PUNCT
fsr-3674	22	1	not	not	PART
fsr-3674	22	2	surprisingly	surprisingly	ADV
fsr-3674	22	3	,	,	PUNCT
fsr-3674	22	4	he	he	PRON
fsr-3674	22	5	finds	find	VERB
fsr-3674	22	6	through	through	ADP
fsr-3674	22	7	logistic	logistic	ADJ
fsr-3674	22	8	regression	regression	NOUN
fsr-3674	22	9	that	that	PRON
fsr-3674	22	10	frequency	frequency	NOUN
fsr-3674	22	11	of	of	ADP
fsr-3674	22	12	payday	payday	PROPN
fsr-3674	22	13	is	be	AUX
fsr-3674	22	14	a	a	DET
fsr-3674	22	15	very	very	ADV
fsr-3674	22	16	important	important	ADJ
fsr-3674	22	17	determinant	determinant	ADJ
fsr-3674	22	18	with	with	ADP
fsr-3674	22	19	those	those	PRON
fsr-3674	22	20	who	who	PRON
fsr-3674	22	21	are	be	AUX
fsr-3674	22	22	paid	pay	VERB
fsr-3674	22	23	weekly	weekly	ADV
fsr-3674	22	24	or	or	CCONJ
fsr-3674	22	25	biweekly	biweekly	VERB
fsr-3674	22	26	the	the	DET
fsr-3674	22	27	more	more	ADV
fsr-3674	22	28	likely	likely	ADJ
fsr-3674	22	29	to	to	PART
fsr-3674	22	30	utilize	utilize	VERB
fsr-3674	22	31	this	this	DET
fsr-3674	22	32	innovation	innovation	NOUN
fsr-3674	22	33	.	.	PUNCT
fsr-3674	23	1	he	he	PRON
fsr-3674	23	2	also	also	ADV
fsr-3674	23	3	finds	find	VERB
fsr-3674	23	4	that	that	SCONJ
fsr-3674	23	5	utilization	utilization	NOUN
fsr-3674	23	6	varies	vary	VERB
fsr-3674	23	7	as	as	ADV
fsr-3674	23	8	well	well	ADV
fsr-3674	23	9	with	with	ADP
fsr-3674	23	10	level	level	NOUN
fsr-3674	23	11	of	of	ADP
fsr-3674	23	12	education	education	NOUN
fsr-3674	23	13	,	,	PUNCT
fsr-3674	23	14	the	the	DET
fsr-3674	23	15	better	well	ADV
fsr-3674	23	16	educated	educate	VERB
fsr-3674	23	17	more	more	ADV
fsr-3674	23	18	willing	willing	ADJ
fsr-3674	23	19	to	to	PART
fsr-3674	23	20	avail	avail	VERB
fsr-3674	23	21	themselves	themselves	PRON
fsr-3674	23	22	of	of	ADP
fsr-3674	23	23	savings	saving	NOUN
fsr-3674	23	24	offered	offer	VERB
fsr-3674	23	25	by	by	ADP
fsr-3674	23	26	the	the	DET
fsr-3674	23	27	biweekly	biweekly	ADJ
fsr-3674	23	28	plan	plan	NOUN
fsr-3674	23	29	.	.	PUNCT
fsr-3674	24	1	an	an	DET
fsr-3674	24	2	interesting	interesting	ADJ
fsr-3674	24	3	new	new	ADJ
fsr-3674	24	4	approach	approach	NOUN
fsr-3674	24	5	to	to	ADP
fsr-3674	24	6	estate	estate	NOUN
fsr-3674	24	7	planning	planning	NOUN
fsr-3674	24	8	is	be	AUX
fsr-3674	24	9	taken	take	VERB
fsr-3674	24	10	by	by	ADP
fsr-3674	24	11	ronald	ronald	PROPN
fsr-3674	24	12	crabb	crabb	PROPN
fsr-3674	24	13	in	in	ADP
fsr-3674	24	14	his	his	PRON
fsr-3674	24	15	article	article	NOUN
fsr-3674	24	16	“	"	PUNCT
fsr-3674	24	17	probabilistic	probabilistic	ADJ
fsr-3674	24	18	estate	estate	NOUN
fsr-3674	24	19	planning	planning	NOUN
fsr-3674	24	20	.	.	PUNCT
fsr-3674	24	21	”	"	PUNCT
fsr-3674	25	1	this	this	DET
fsr-3674	25	2	article	article	NOUN
fsr-3674	25	3	challenges	challenge	VERB
fsr-3674	25	4	the	the	DET
fsr-3674	25	5	traditional	traditional	ADJ
fsr-3674	25	6	approach	approach	NOUN
fsr-3674	25	7	to	to	ADP
fsr-3674	25	8	estate	estate	NOUN
fsr-3674	25	9	planning	planning	NOUN
fsr-3674	25	10	which	which	PRON
fsr-3674	25	11	uses	use	VERB
fsr-3674	25	12	life	life	NOUN
fsr-3674	25	13	expectancy	expectancy	NOUN
fsr-3674	25	14	to	to	PART
fsr-3674	25	15	calculate	calculate	VERB
fsr-3674	25	16	likely	likely	ADJ
fsr-3674	25	17	estate	estate	NOUN
fsr-3674	25	18	value	value	NOUN
fsr-3674	25	19	and	and	CCONJ
fsr-3674	25	20	insurance	insurance	NOUN
fsr-3674	25	21	needs	need	NOUN
fsr-3674	25	22	.	.	PUNCT
fsr-3674	26	1	since	since	SCONJ
fsr-3674	26	2	few	few	ADJ
fsr-3674	26	3	people	people	NOUN
fsr-3674	26	4	die	die	VERB
fsr-3674	26	5	at	at	ADP
fsr-3674	26	6	the	the	DET
fsr-3674	26	7	time	time	NOUN
fsr-3674	26	8	of	of	ADP
fsr-3674	26	9	their	their	PRON
fsr-3674	26	10	actuarially	actuarially	ADV
fsr-3674	26	11	-	-	PUNCT
fsr-3674	26	12	predicted	predict	VERB
fsr-3674	26	13	demise	demise	NOUN
fsr-3674	26	14	,	,	PUNCT
fsr-3674	26	15	there	there	PRON
fsr-3674	26	16	is	be	VERB
fsr-3674	26	17	a	a	DET
fsr-3674	26	18	range	range	NOUN
fsr-3674	26	19	of	of	ADP
fsr-3674	26	20	estate	estate	NOUN
fsr-3674	26	21	values	value	NOUN
fsr-3674	26	22	and	and	CCONJ
fsr-3674	26	23	strategies	strategy	NOUN
fsr-3674	26	24	implied	imply	VERB
fsr-3674	26	25	.	.	PUNCT
fsr-3674	27	1	using	use	VERB
fsr-3674	27	2	markowitz	markowitz	PROPN
fsr-3674	27	3	’s	’s	PART
fsr-3674	27	4	mean	mean	ADJ
fsr-3674	27	5	variance	variance	NOUN
fsr-3674	27	6	portfolio	portfolio	NOUN
fsr-3674	27	7	approach	approach	NOUN
fsr-3674	27	8	,	,	PUNCT
fsr-3674	27	9	estate	estate	NOUN
fsr-3674	27	10	planning	planning	NOUN
fsr-3674	27	11	comes	come	VERB
fsr-3674	27	12	down	down	ADP
fsr-3674	27	13	to	to	ADP
fsr-3674	27	14	a	a	DET
fsr-3674	27	15	risk	risk	NOUN
fsr-3674	27	16	-	-	PUNCT
fsr-3674	27	17	return	return	NOUN
fsr-3674	27	18	tradeoff	tradeoff	NOUN
fsr-3674	27	19	which	which	PRON
fsr-3674	27	20	is	be	AUX
fsr-3674	27	21	determined	determine	VERB
fsr-3674	27	22	by	by	ADP
fsr-3674	27	23	the	the	DET
fsr-3674	27	24	risk	risk	NOUN
fsr-3674	27	25	preferences	preference	NOUN
fsr-3674	27	26	of	of	ADP
fsr-3674	27	27	the	the	DET
fsr-3674	27	28	decision	decision	NOUN
fsr-3674	27	29	maker	maker	NOUN
fsr-3674	27	30	.	.	PUNCT
fsr-3674	28	1	our	our	PRON
fsr-3674	28	2	review	review	NOUN
fsr-3674	28	3	article	article	NOUN
fsr-3674	28	4	,	,	PUNCT
fsr-3674	28	5	“	"	PUNCT
fsr-3674	28	6	international	international	ADJ
fsr-3674	28	7	investing	investing	NOUN
fsr-3674	28	8	for	for	ADP
fsr-3674	28	9	the	the	DET
fsr-3674	28	10	individual	individual	NOUN
fsr-3674	28	11	,	,	PUNCT
fsr-3674	28	12	”	"	PUNCT
fsr-3674	28	13	by	by	ADP
fsr-3674	28	14	jeff	jeff	PROPN
fsr-3674	28	15	madura	madura	PROPN
fsr-3674	28	16	and	and	CCONJ
fsr-3674	28	17	tom	tom	PROPN
fsr-3674	28	18	o’brien	o’brien	PROPN
fsr-3674	28	19	,	,	PUNCT
fsr-3674	28	20	examines	examine	VERB
fsr-3674	28	21	the	the	DET
fsr-3674	28	22	rapidly	rapidly	ADV
fsr-3674	28	23	expanding	expand	VERB
fsr-3674	28	24	world	world	NOUN
fsr-3674	28	25	of	of	ADP
fsr-3674	28	26	inter	inter	PROPN
fsr-3674	28	27	national	national	ADJ
fsr-3674	28	28	investing	investing	NOUN
fsr-3674	28	29	and	and	CCONJ
fsr-3674	28	30	asks	ask	VERB
fsr-3674	28	31	how	how	SCONJ
fsr-3674	28	32	individual	individual	ADJ
fsr-3674	28	33	investors	investor	NOUN
fsr-3674	28	34	may	may	AUX
fsr-3674	28	35	best	well	ADV
fsr-3674	28	36	participate	participate	VERB
fsr-3674	28	37	.	.	PUNCT
fsr-3674	29	1	three	three	NUM
fsr-3674	29	2	key	key	ADJ
fsr-3674	29	3	issues	issue	NOUN
fsr-3674	29	4	are	be	AUX
fsr-3674	29	5	examined	examine	VERB
fsr-3674	29	6	:	:	PUNCT
fsr-3674	29	7	the	the	DET
fsr-3674	29	8	benefits	benefit	NOUN
fsr-3674	29	9	of	of	ADP
fsr-3674	29	10	international	international	ADJ
fsr-3674	29	11	diversification	diversification	NOUN
fsr-3674	29	12	,	,	PUNCT
fsr-3674	29	13	the	the	DET
fsr-3674	29	14	key	key	ADJ
fsr-3674	29	15	problem	problem	NOUN
fsr-3674	29	16	of	of	ADP
fsr-3674	29	17	currency	currency	NOUN
fsr-3674	29	18	exposure	exposure	NOUN
fsr-3674	29	19	,	,	PUNCT
fsr-3674	29	20	and	and	CCONJ
fsr-3674	29	21	the	the	DET
fsr-3674	29	22	effective	effective	ADJ
fsr-3674	29	23	means	mean	NOUN
fsr-3674	29	24	of	of	ADP
fsr-3674	29	25	achieving	achieve	VERB
fsr-3674	29	26	international	international	ADJ
fsr-3674	29	27	diversification	diversification	NOUN
fsr-3674	29	28	.	.	PUNCT
fsr-3674	30	1	this	this	DET
fsr-3674	30	2	issue	issue	NOUN
fsr-3674	30	3	of	of	ADP
fsr-3674	30	4	financial	financial	ADJ
fsr-3674	30	5	services	service	NOUN
fsr-3674	30	6	review	review	NOUN
fsr-3674	30	7	concludes	conclude	VERB
fsr-3674	30	8	with	with	ADP
fsr-3674	30	9	abstracts	abstract	NOUN
fsr-3674	30	10	of	of	ADP
fsr-3674	30	11	articles	article	NOUN
fsr-3674	30	12	on	on	ADP
fsr-3674	30	13	individual	individual	ADJ
fsr-3674	30	14	financial	financial	ADJ
fsr-3674	30	15	management	management	NOUN
fsr-3674	30	16	,	,	PUNCT
fsr-3674	30	17	edited	edit	VERB
fsr-3674	30	18	by	by	ADP
fsr-3674	30	19	phyllis	phyllis	PROPN
fsr-3674	30	20	myers	myers	PROPN
fsr-3674	30	21	.	.	PUNCT
fsr-3674	31	1	i	i	PRON
fsr-3674	31	2	am	be	AUX
fsr-3674	31	3	pleased	pleased	ADJ
fsr-3674	31	4	to	to	PART
fsr-3674	31	5	report	report	VERB
fsr-3674	31	6	that	that	SCONJ
fsr-3674	31	7	the	the	DET
fsr-3674	31	8	flow	flow	NOUN
fsr-3674	31	9	of	of	ADP
fsr-3674	31	10	high	high	ADJ
fsr-3674	31	11	quality	quality	NOUN
fsr-3674	31	12	submissions	submission	NOUN
fsr-3674	31	13	keeps	keeps	AUX
fsr-3674	31	14	increasing	increase	VERB
fsr-3674	31	15	.	.	PUNCT
fsr-3674	32	1	in	in	ADP
fsr-3674	32	2	order	order	NOUN
fsr-3674	32	3	to	to	PART
fsr-3674	32	4	attract	attract	VERB
fsr-3674	32	5	the	the	DET
fsr-3674	32	6	best	good	ADJ
fsr-3674	32	7	possible	possible	ADJ
fsr-3674	32	8	articles	article	NOUN
fsr-3674	32	9	relating	relate	VERB
fsr-3674	32	10	to	to	ADP
fsr-3674	32	11	individual	individual	ADJ
fsr-3674	32	12	financial	financial	ADJ
fsr-3674	32	13	management	management	NOUN
fsr-3674	32	14	,	,	PUNCT
fsr-3674	32	15	we	we	PRON
fsr-3674	32	16	have	have	AUX
fsr-3674	32	17	established	establish	VERB
fsr-3674	32	18	a	a	DET
fsr-3674	32	19	sixty	sixty	NUM
fsr-3674	32	20	day	day	NOUN
fsr-3674	32	21	review	review	NOUN
fsr-3674	32	22	turnaround	turnaround	NOUN
fsr-3674	32	23	as	as	ADP
fsr-3674	32	24	our	our	PRON
fsr-3674	32	25	goal	goal	NOUN
fsr-3674	32	26	for	for	ADP
fsr-3674	32	27	articles	article	NOUN
fsr-3674	32	28	received	receive	VERB
fsr-3674	32	29	between	between	ADP
fsr-3674	32	30	september	september	PROPN
fsr-3674	32	31	and	and	CCONJ
fsr-3674	32	32	the	the	DET
fsr-3674	32	33	beginning	beginning	NOUN
fsr-3674	32	34	of	of	ADP
fsr-3674	32	35	april	april	PROPN
fsr-3674	32	36	.	.	PUNCT
fsr-3674	33	1	turnaround	turnaround	PROPN
fsr-3674	33	2	slows	slow	VERB
fsr-3674	33	3	during	during	ADP
fsr-3674	33	4	the	the	DET
fsr-3674	33	5	summer	summer	NOUN
fsr-3674	33	6	months	month	NOUN
fsr-3674	33	7	as	as	SCONJ
fsr-3674	33	8	reviewers	reviewer	NOUN
fsr-3674	33	9	become	become	VERB
fsr-3674	33	10	somewhat	somewhat	ADV
fsr-3674	33	11	more	more	ADV
fsr-3674	33	12	scarce	scarce	ADJ
fsr-3674	33	13	.	.	PUNCT
fsr-3674	34	1	we	we	PRON
fsr-3674	34	2	are	be	AUX
fsr-3674	34	3	seeking	seek	VERB
fsr-3674	34	4	review	review	NOUN
fsr-3674	34	5	articles	article	NOUN
fsr-3674	34	6	for	for	ADP
fsr-3674	34	7	our	our	PRON
fsr-3674	34	8	forthcoming	forthcoming	ADJ
fsr-3674	34	9	issues	issue	NOUN
fsr-3674	34	10	.	.	PUNCT
fsr-3674	35	1	readers	reader	NOUN
fsr-3674	35	2	who	who	PRON
fsr-3674	35	3	are	be	AUX
fsr-3674	35	4	interested	interested	ADJ
fsr-3674	35	5	in	in	ADP
fsr-3674	35	6	reading	read	VERB
fsr-3674	35	7	or	or	CCONJ
fsr-3674	35	8	writing	write	VERB
fsr-3674	35	9	about	about	ADP
fsr-3674	35	10	a	a	DET
fsr-3674	35	11	particular	particular	ADJ
fsr-3674	35	12	topic	topic	NOUN
fsr-3674	35	13	should	should	AUX
fsr-3674	35	14	contact	contact	VERB
fsr-3674	35	15	me	i	PRON
fsr-3674	35	16	.	.	PUNCT
fsr-3674	36	1	-lewis	-lewis	PROPN
fsr-3674	36	2	mandell	mandell	NOUN