id	sid	tid	token	lemma	pos
fsr-3678	1	1	pii	pii	PROPN
fsr-3678	1	2	:	:	PUNCT
fsr-3678	1	3	1057	1057	NUM
fsr-3678	1	4	-	-	PUNCT
fsr-3678	1	5	0810(91)90029	0810(91)90029	NUM
fsr-3678	1	6	-	-	PUNCT
fsr-3678	1	7	x	x	ADJ
fsr-3678	1	8	financial	financial	ADJ
fsr-3678	1	9	services	service	NOUN
fsr-3678	1	10	review	review	PROPN
fsr-3678	1	11	,	,	PUNCT
fsr-3678	1	12	l(2	l(2	PROPN
fsr-3678	1	13	):	):	PUNCT
fsr-3678	1	14	131	131	NUM
fsr-3678	1	15	-	-	SYM
fsr-3678	1	16	142	142	NUM
fsr-3678	1	17	copyright	copyright	NOUN
fsr-3678	1	18	0	0	NUM
fsr-3678	1	19	1991	1991	NUM
fsr-3678	1	20	by	by	ADP
fsr-3678	1	21	jai	jai	PROPN
fsr-3678	1	22	press	press	PROPN
fsr-3678	1	23	inc	inc	PROPN
fsr-3678	1	24	.	.	PROPN
fsr-3678	1	25	issn	issn	PROPN
fsr-3678	1	26	:	:	PUNCT
fsr-3678	1	27	1057	1057	NUM
fsr-3678	1	28	-	-	SYM
fsr-3678	1	29	08	08	NUM
fsr-3678	1	30	10	10	NUM
fsr-3678	1	31	all	all	DET
fsr-3678	1	32	rights	right	NOUN
fsr-3678	1	33	of	of	ADP
fsr-3678	1	34	reproduction	reproduction	NOUN
fsr-3678	1	35	in	in	ADP
fsr-3678	1	36	any	any	DET
fsr-3678	1	37	form	form	NOUN
fsr-3678	1	38	reserved	reserve	VERB
fsr-3678	1	39	.	.	PUNCT
fsr-3678	2	1	comparing	compare	VERB
fsr-3678	2	2	mortgages	mortgage	NOUN
fsr-3678	2	3	with	with	ADP
fsr-3678	2	4	different	different	ADJ
fsr-3678	2	5	payment	payment	NOUN
fsr-3678	2	6	frequencies	frequency	NOUN
fsr-3678	2	7	arefaine	arefaine	ADJ
fsr-3678	2	8	g.	g.	PROPN
fsr-3678	2	9	yohannes	yohanne	VERB
fsr-3678	2	10	the	the	DET
fsr-3678	2	11	biweekly	biweekly	ADJ
fsr-3678	2	12	-	-	PUNCT
fsr-3678	2	13	payment	payment	NOUN
fsr-3678	2	14	mortgage	mortgage	NOUN
fsr-3678	2	15	is	be	AUX
fsr-3678	2	16	an	an	DET
fsr-3678	2	17	alternative	alternative	NOUN
fsr-3678	2	18	to	to	ADP
fsr-3678	2	19	the	the	DET
fsr-3678	2	20	monthly	monthly	ADJ
fsr-3678	2	21	-	-	PUNCT
fsr-3678	2	22	payment	payment	NOUN
fsr-3678	2	23	mortgage	mortgage	NOUN
fsr-3678	2	24	.	.	PUNCT
fsr-3678	3	1	in	in	ADP
fsr-3678	3	2	this	this	DET
fsr-3678	3	3	study	study	NOUN
fsr-3678	3	4	,	,	PUNCT
fsr-3678	3	5	logistic	logistic	ADJ
fsr-3678	3	6	regression	regression	NOUN
fsr-3678	3	7	is	be	AUX
fsr-3678	3	8	used	use	VERB
fsr-3678	3	9	to	to	PART
fsr-3678	3	10	determine	determine	VERB
fsr-3678	3	11	the	the	DET
fsr-3678	3	12	influence	influence	NOUN
fsr-3678	3	13	of	of	ADP
fsr-3678	3	14	demographic	demographic	ADJ
fsr-3678	3	15	characteristics	characteristic	NOUN
fsr-3678	3	16	on	on	ADP
fsr-3678	3	17	the	the	DET
fsr-3678	3	18	choice	choice	NOUN
fsr-3678	3	19	between	between	ADP
fsr-3678	3	20	these	these	DET
fsr-3678	3	21	two	two	NUM
fsr-3678	3	22	types	type	NOUN
fsr-3678	3	23	of	of	ADP
fsr-3678	3	24	mortgages	mortgage	NOUN
fsr-3678	3	25	.	.	PUNCT
fsr-3678	4	1	of	of	ADP
fsr-3678	4	2	the	the	DET
fsr-3678	4	3	six	six	NUM
fsr-3678	4	4	independent	independent	ADJ
fsr-3678	4	5	variables	variable	NOUN
fsr-3678	4	6	that	that	PRON
fsr-3678	4	7	were	be	AUX
fsr-3678	4	8	considered	consider	VERB
fsr-3678	4	9	,	,	PUNCT
fsr-3678	4	10	only	only	ADV
fsr-3678	4	11	two	two	NUM
fsr-3678	4	12	had	have	VERB
fsr-3678	4	13	significant	significant	ADJ
fsr-3678	4	14	influence	influence	NOUN
fsr-3678	4	15	on	on	ADP
fsr-3678	4	16	mortgage	mortgage	NOUN
fsr-3678	4	17	choice	choice	NOUN
fsr-3678	4	18	.	.	PUNCT
fsr-3678	5	1	they	they	PRON
fsr-3678	5	2	were	be	AUX
fsr-3678	5	3	thefrequency	thefrequency	NOUN
fsr-3678	5	4	of	of	ADP
fsr-3678	5	5	paydays	payday	NOUN
fsr-3678	5	6	and	and	CCONJ
fsr-3678	5	7	education	education	NOUN
fsr-3678	5	8	.	.	PUNCT
fsr-3678	6	1	in	in	ADP
fsr-3678	6	2	the	the	DET
fsr-3678	6	3	last	last	ADJ
fsr-3678	6	4	few	few	ADJ
fsr-3678	6	5	years	year	NOUN
fsr-3678	6	6	,	,	PUNCT
fsr-3678	6	7	there	there	PRON
fsr-3678	6	8	have	have	AUX
fsr-3678	6	9	been	be	AUX
fsr-3678	6	10	a	a	DET
fsr-3678	6	11	number	number	NOUN
fsr-3678	6	12	of	of	ADP
fsr-3678	6	13	studies	study	NOUN
fsr-3678	6	14	dealing	deal	VERB
fsr-3678	6	15	with	with	ADP
fsr-3678	6	16	mortgage	mortgage	NOUN
fsr-3678	6	17	choice	choice	NOUN
fsr-3678	6	18	.	.	PUNCT
fsr-3678	7	1	many	many	ADJ
fsr-3678	7	2	of	of	ADP
fsr-3678	7	3	these	these	DET
fsr-3678	7	4	studies	study	NOUN
fsr-3678	7	5	dealt	deal	VERB
fsr-3678	7	6	with	with	ADP
fsr-3678	7	7	the	the	DET
fsr-3678	7	8	choice	choice	NOUN
fsr-3678	7	9	between	between	ADP
fsr-3678	7	10	fixed	fix	VERB
fsr-3678	7	11	-	-	PUNCT
fsr-3678	7	12	rate	rate	NOUN
fsr-3678	7	13	mortgages	mortgage	NOUN
fsr-3678	7	14	and	and	CCONJ
fsr-3678	7	15	adjustable	adjustable	ADJ
fsr-3678	7	16	-	-	PUNCT
fsr-3678	7	17	rate	rate	NOUN
fsr-3678	7	18	mortgages	mortgage	NOUN
fsr-3678	7	19	.	.	PUNCT
fsr-3678	8	1	examples	example	NOUN
fsr-3678	8	2	of	of	ADP
fsr-3678	8	3	such	such	ADJ
fsr-3678	8	4	studies	study	NOUN
fsr-3678	8	5	include	include	VERB
fsr-3678	8	6	brueckner	brueckner	NOUN
fsr-3678	8	7	and	and	CCONJ
fsr-3678	8	8	follain	follain	NOUN
fsr-3678	8	9	(	(	PUNCT
fsr-3678	8	10	1988	1988	NUM
fsr-3678	8	11	)	)	PUNCT
fsr-3678	8	12	,	,	PUNCT
fsr-3678	8	13	chmura	chmura	NOUN
fsr-3678	8	14	(	(	PUNCT
fsr-3678	8	15	1989	1989	NUM
fsr-3678	8	16	)	)	PUNCT
fsr-3678	8	17	,	,	PUNCT
fsr-3678	8	18	dhillon	dhillon	PROPN
fsr-3678	8	19	,	,	PUNCT
fsr-3678	8	20	shilling	shilling	NOUN
fsr-3678	8	21	and	and	CCONJ
fsr-3678	8	22	sirmans	sirman	NOUN
fsr-3678	8	23	(	(	PUNCT
fsr-3678	8	24	1987	1987	NUM
fsr-3678	8	25	)	)	PUNCT
fsr-3678	8	26	,	,	PUNCT
fsr-3678	8	27	gardner	gardner	NOUN
fsr-3678	8	28	,	,	PUNCT
fsr-3678	8	29	kang	kang	PROPN
fsr-3678	8	30	and	and	CCONJ
fsr-3678	8	31	mills	mill	NOUN
fsr-3678	8	32	(	(	PUNCT
fsr-3678	8	33	1987	1987	NUM
fsr-3678	8	34	)	)	PUNCT
fsr-3678	8	35	,	,	PUNCT
fsr-3678	8	36	and	and	CCONJ
fsr-3678	8	37	tucker	tucker	PROPN
fsr-3678	8	38	(	(	PUNCT
fsr-3678	8	39	1989	1989	NUM
fsr-3678	8	40	)	)	PUNCT
fsr-3678	8	41	.	.	PUNCT
fsr-3678	9	1	other	other	ADJ
fsr-3678	9	2	studies	study	NOUN
fsr-3678	9	3	examined	examine	VERB
fsr-3678	9	4	the	the	DET
fsr-3678	9	5	choice	choice	NOUN
fsr-3678	9	6	between	between	ADP
fsr-3678	9	7	fifteen	fifteen	NUM
fsr-3678	9	8	-	-	PUNCT
fsr-3678	9	9	year	year	NOUN
fsr-3678	9	10	and	and	CCONJ
fsr-3678	9	11	thirty	thirty	NUM
fsr-3678	9	12	-	-	PUNCT
fsr-3678	9	13	year	year	NOUN
fsr-3678	9	14	tixed	tixe	VERB
fsr-3678	9	15	rate	rate	NOUN
fsr-3678	9	16	mortgages	mortgage	NOUN
fsr-3678	9	17	.	.	PUNCT
fsr-3678	10	1	examples	example	NOUN
fsr-3678	10	2	of	of	ADP
fsr-3678	10	3	such	such	ADJ
fsr-3678	10	4	studies	study	NOUN
fsr-3678	10	5	include	include	VERB
fsr-3678	10	6	dhillon	dhillon	PROPN
fsr-3678	10	7	,	,	PUNCT
fsr-3678	10	8	shilling	shilling	NOUN
fsr-3678	10	9	and	and	CCONJ
fsr-3678	10	10	sirmans	sirman	NOUN
fsr-3678	10	11	(	(	PUNCT
fsr-3678	10	12	1990	1990	NUM
fsr-3678	10	13	)	)	PUNCT
fsr-3678	10	14	and	and	CCONJ
fsr-3678	10	15	yohannes	yohanne	NOUN
fsr-3678	10	16	(	(	PUNCT
fsr-3678	10	17	1986	1986	NUM
fsr-3678	10	18	)	)	PUNCT
fsr-3678	10	19	.	.	PUNCT
fsr-3678	11	1	in	in	ADP
fsr-3678	11	2	this	this	DET
fsr-3678	11	3	study	study	NOUN
fsr-3678	11	4	,	,	PUNCT
fsr-3678	11	5	mortgages	mortgage	NOUN
fsr-3678	11	6	with	with	ADP
fsr-3678	11	7	different	different	ADJ
fsr-3678	11	8	payment	payment	NOUN
fsr-3678	11	9	frequencies	frequency	NOUN
fsr-3678	11	10	are	be	AUX
fsr-3678	11	11	compared	compare	VERB
fsr-3678	11	12	.	.	PUNCT
fsr-3678	12	1	specifically	specifically	ADV
fsr-3678	12	2	,	,	PUNCT
fsr-3678	12	3	this	this	DET
fsr-3678	12	4	study	study	NOUN
fsr-3678	12	5	deals	deal	VERB
fsr-3678	12	6	with	with	ADP
fsr-3678	12	7	the	the	DET
fsr-3678	12	8	choice	choice	NOUN
fsr-3678	12	9	between	between	ADP
fsr-3678	12	10	the	the	DET
fsr-3678	12	11	biweekly	biweekly	ADJ
fsr-3678	12	12	-	-	PUNCT
fsr-3678	12	13	payment	payment	NOUN
fsr-3678	12	14	mort	mort	NOUN
fsr-3678	12	15	gage	gage	NOUN
fsr-3678	12	16	and	and	CCONJ
fsr-3678	12	17	the	the	DET
fsr-3678	12	18	monthly	monthly	ADJ
fsr-3678	12	19	-	-	PUNCT
fsr-3678	12	20	payment	payment	NOUN
fsr-3678	12	21	mortgage	mortgage	NOUN
fsr-3678	12	22	.	.	PUNCT
fsr-3678	13	1	although	although	SCONJ
fsr-3678	13	2	the	the	DET
fsr-3678	13	3	biweekly	biweekly	ADJ
fsr-3678	13	4	-	-	PUNCT
fsr-3678	13	5	payment	payment	NOUN
fsr-3678	13	6	mortgage	mortgage	NOUN
fsr-3678	13	7	(	(	PUNCT
fsr-3678	13	8	bpm	bpm	NOUN
fsr-3678	13	9	)	)	PUNCT
fsr-3678	13	10	has	have	AUX
fsr-3678	13	11	been	be	AUX
fsr-3678	13	12	around	around	ADV
fsr-3678	13	13	for	for	ADP
fsr-3678	13	14	some	some	DET
fsr-3678	13	15	time	time	NOUN
fsr-3678	13	16	in	in	ADP
fsr-3678	13	17	other	other	ADJ
fsr-3678	13	18	countries	country	NOUN
fsr-3678	13	19	such	such	ADJ
fsr-3678	13	20	as	as	ADP
fsr-3678	13	21	canada	canada	PROPN
fsr-3678	13	22	,	,	PUNCT
fsr-3678	13	23	it	it	PRON
fsr-3678	13	24	is	be	AUX
fsr-3678	13	25	fairly	fairly	ADV
fsr-3678	13	26	new	new	ADJ
fsr-3678	13	27	in	in	ADP
fsr-3678	13	28	the	the	DET
fsr-3678	13	29	united	united	PROPN
fsr-3678	13	30	states	states	PROPN
fsr-3678	13	31	.	.	PUNCT
fsr-3678	14	1	for	for	ADP
fsr-3678	14	2	this	this	DET
fsr-3678	14	3	reason	reason	NOUN
fsr-3678	14	4	,	,	PUNCT
fsr-3678	14	5	it	it	PRON
fsr-3678	14	6	is	be	AUX
fsr-3678	14	7	not	not	PART
fsr-3678	14	8	as	as	ADV
fsr-3678	14	9	widely	widely	ADV
fsr-3678	14	10	known	know	VERB
fsr-3678	14	11	or	or	CCONJ
fsr-3678	14	12	as	as	ADV
fsr-3678	14	13	widely	widely	ADV
fsr-3678	14	14	used	use	VERB
fsr-3678	14	15	as	as	ADP
fsr-3678	14	16	the	the	DET
fsr-3678	14	17	monthly	monthly	ADJ
fsr-3678	14	18	payment	payment	NOUN
fsr-3678	14	19	mortgage	mortgage	NOUN
fsr-3678	14	20	(	(	PUNCT
fsr-3678	14	21	mpm	mpm	NOUN
fsr-3678	14	22	)	)	PUNCT
fsr-3678	14	23	.	.	PUNCT
fsr-3678	15	1	also	also	ADV
fsr-3678	15	2	,	,	PUNCT
fsr-3678	15	3	research	research	NOUN
fsr-3678	15	4	on	on	ADP
fsr-3678	15	5	the	the	DET
fsr-3678	15	6	bpm	bpm	NOUN
fsr-3678	15	7	is	be	AUX
fsr-3678	15	8	limited	limit	VERB
fsr-3678	15	9	.	.	PUNCT
fsr-3678	16	1	yohannes	yohanne	NOUN
fsr-3678	16	2	(	(	PUNCT
fsr-3678	16	3	1988	1988	NUM
fsr-3678	16	4	)	)	PUNCT
fsr-3678	16	5	evaluated	evaluate	VERB
fsr-3678	16	6	fast	fast	ADJ
fsr-3678	16	7	-	-	PUNCT
fsr-3678	16	8	pay	pay	NOUN
fsr-3678	16	9	mortgages	mortgage	NOUN
fsr-3678	16	10	,	,	PUNCT
fsr-3678	16	11	including	include	VERB
fsr-3678	16	12	bpms	bpms	PROPN
fsr-3678	16	13	,	,	PUNCT
fsr-3678	16	14	from	from	ADP
fsr-3678	16	15	the	the	DET
fsr-3678	16	16	borrower	borrower	NOUN
fsr-3678	16	17	’s	’s	PART
fsr-3678	16	18	point	point	NOUN
fsr-3678	16	19	of	of	ADP
fsr-3678	16	20	view	view	NOUN
fsr-3678	16	21	.	.	PUNCT
fsr-3678	17	1	shilling	shilling	NOUN
fsr-3678	17	2	and	and	CCONJ
fsr-3678	17	3	sirmans	sirman	NOUN
fsr-3678	17	4	(	(	PUNCT
fsr-3678	17	5	1987	1987	NUM
fsr-3678	17	6	)	)	PUNCT
fsr-3678	17	7	examined	examine	VERB
fsr-3678	17	8	the	the	DET
fsr-3678	17	9	pricing	pricing	NOUN
fsr-3678	17	10	of	of	ADP
fsr-3678	17	11	fast	fast	ADJ
fsr-3678	17	12	-	-	PUNCT
fsr-3678	17	13	pay	pay	NOUN
fsr-3678	17	14	mortgages	mortgage	NOUN
fsr-3678	17	15	from	from	ADP
fsr-3678	17	16	the	the	DET
fsr-3678	17	17	lender	lender	NOUN
fsr-3678	17	18	’s	’s	PART
fsr-3678	17	19	point	point	NOUN
fsr-3678	17	20	of	of	ADP
fsr-3678	17	21	view	view	NOUN
fsr-3678	17	22	.	.	PUNCT
fsr-3678	18	1	in	in	ADP
fsr-3678	18	2	a	a	DET
fsr-3678	18	3	bpm	bpm	NOUN
fsr-3678	18	4	,	,	PUNCT
fsr-3678	18	5	half	half	NOUN
fsr-3678	18	6	of	of	ADP
fsr-3678	18	7	the	the	DET
fsr-3678	18	8	monthly	monthly	ADJ
fsr-3678	18	9	payment	payment	NOUN
fsr-3678	18	10	of	of	ADP
fsr-3678	18	11	a	a	DET
fsr-3678	18	12	mpm	mpm	NOUN
fsr-3678	18	13	is	be	AUX
fsr-3678	18	14	paid	pay	VERB
fsr-3678	18	15	every	every	DET
fsr-3678	18	16	two	two	NUM
fsr-3678	18	17	weeks	week	NOUN
fsr-3678	18	18	.	.	PUNCT
fsr-3678	19	1	that	that	PRON
fsr-3678	19	2	means	mean	VERB
fsr-3678	19	3	26	26	NUM
fsr-3678	19	4	payments	payment	NOUN
fsr-3678	19	5	are	be	AUX
fsr-3678	19	6	made	make	VERB
fsr-3678	19	7	in	in	ADP
fsr-3678	19	8	a	a	DET
fsr-3678	19	9	year	year	NOUN
fsr-3678	19	10	.	.	PUNCT
fsr-3678	20	1	in	in	ADP
fsr-3678	20	2	undiscounted	undiscounted	ADJ
fsr-3678	20	3	terms	term	NOUN
fsr-3678	20	4	,	,	PUNCT
fsr-3678	20	5	the	the	DET
fsr-3678	20	6	26	26	NUM
fsr-3678	20	7	biweekly	biweekly	NOUN
fsr-3678	20	8	arefaine	arefaine	ADJ
fsr-3678	20	9	g.	g.	PROPN
fsr-3678	20	10	yohannes	yohannes	PROPN
fsr-3678	20	11	l	l	PROPN
fsr-3678	20	12	school	school	NOUN
fsr-3678	20	13	of	of	ADP
fsr-3678	20	14	management	management	NOUN
fsr-3678	20	15	,	,	PUNCT
fsr-3678	20	16	the	the	DET
fsr-3678	20	17	university	university	NOUN
fsr-3678	20	18	of	of	ADP
fsr-3678	20	19	michigan	michigan	PROPN
fsr-3678	20	20	-	-	PUNCT
fsr-3678	20	21	dearborn	dearborn	PROPN
fsr-3678	20	22	,	,	PUNCT
fsr-3678	20	23	4901	4901	NUM
fsr-3678	20	24	evergreen	evergreen	PROPN
fsr-3678	20	25	road	road	PROPN
fsr-3678	20	26	,	,	PUNCT
fsr-3678	20	27	dearborn	dearborn	PROPN
fsr-3678	20	28	,	,	PUNCT
fsr-3678	20	29	mi	mi	PROPN
fsr-3678	20	30	48128	48128	NUM
fsr-3678	20	31	.	.	PUNCT
fsr-3678	21	1	132	132	NUM
fsr-3678	21	2	financial	financial	ADJ
fsr-3678	21	3	services	service	NOUN
fsr-3678	21	4	review	review	NOUN
fsr-3678	21	5	,	,	PUNCT
fsr-3678	21	6	l(2	l(2	PROPN
fsr-3678	21	7	)	)	PUNCT
fsr-3678	21	8	1991	1991	NUM
fsr-3678	21	9	payments	payment	NOUN
fsr-3678	21	10	are	be	AUX
fsr-3678	21	11	equal	equal	ADJ
fsr-3678	21	12	to	to	ADP
fsr-3678	21	13	13	13	NUM
fsr-3678	21	14	monthly	monthly	ADJ
fsr-3678	21	15	payments	payment	NOUN
fsr-3678	21	16	.	.	PUNCT
fsr-3678	22	1	the	the	DET
fsr-3678	22	2	extra	extra	ADJ
fsr-3678	22	3	monthly	monthly	ADJ
fsr-3678	22	4	payment	payment	NOUN
fsr-3678	22	5	and	and	CCONJ
fsr-3678	22	6	the	the	DET
fsr-3678	22	7	frequency	frequency	NOUN
fsr-3678	22	8	of	of	ADP
fsr-3678	22	9	payments	payment	NOUN
fsr-3678	22	10	associated	associate	VERB
fsr-3678	22	11	with	with	ADP
fsr-3678	22	12	the	the	DET
fsr-3678	22	13	bpm	bpm	NOUN
fsr-3678	22	14	reduce	reduce	VERB
fsr-3678	22	15	the	the	DET
fsr-3678	22	16	term	term	NOUN
fsr-3678	22	17	of	of	ADP
fsr-3678	22	18	a	a	DET
fsr-3678	22	19	30	30	NUM
fsr-3678	22	20	-	-	PUNCT
fsr-3678	22	21	year	year	NOUN
fsr-3678	22	22	mortgage	mortgage	NOUN
fsr-3678	22	23	by	by	ADP
fsr-3678	22	24	about	about	ADV
fsr-3678	22	25	one	one	NUM
fsr-3678	22	26	-	-	PUNCT
fsr-3678	22	27	third	third	NOUN
fsr-3678	22	28	.	.	PUNCT
fsr-3678	23	1	in	in	ADP
fsr-3678	23	2	addition	addition	NOUN
fsr-3678	23	3	,	,	PUNCT
fsr-3678	23	4	the	the	DET
fsr-3678	23	5	home	home	NOUN
fsr-3678	23	6	owner	owner	NOUN
fsr-3678	23	7	pays	pay	VERB
fsr-3678	23	8	down	down	ADP
fsr-3678	23	9	the	the	DET
fsr-3678	23	10	principal	principal	NOUN
fsr-3678	23	11	faster	fast	ADV
fsr-3678	23	12	than	than	SCONJ
fsr-3678	23	13	she	she	PRON
fsr-3678	23	14	or	or	CCONJ
fsr-3678	23	15	he	he	PRON
fsr-3678	23	16	would	would	AUX
fsr-3678	23	17	with	with	ADP
fsr-3678	23	18	a	a	DET
fsr-3678	23	19	mpm	mpm	NOUN
fsr-3678	23	20	.	.	PUNCT
fsr-3678	24	1	on	on	ADP
fsr-3678	24	2	the	the	DET
fsr-3678	24	3	negative	negative	ADJ
fsr-3678	24	4	side	side	NOUN
fsr-3678	24	5	,	,	PUNCT
fsr-3678	24	6	the	the	DET
fsr-3678	24	7	bpm	bpm	NOUN
fsr-3678	24	8	involves	involve	VERB
fsr-3678	24	9	larger	large	ADJ
fsr-3678	24	10	annual	annual	ADJ
fsr-3678	24	11	payments	payment	NOUN
fsr-3678	24	12	than	than	ADP
fsr-3678	24	13	a	a	DET
fsr-3678	24	14	mpm	mpm	NOUN
fsr-3678	24	15	.	.	PUNCT
fsr-3678	25	1	furthermore	furthermore	ADV
fsr-3678	25	2	,	,	PUNCT
fsr-3678	25	3	for	for	ADP
fsr-3678	25	4	tax	tax	NOUN
fsr-3678	25	5	purposes	purpose	NOUN
fsr-3678	25	6	,	,	PUNCT
fsr-3678	25	7	the	the	DET
fsr-3678	25	8	annual	annual	ADJ
fsr-3678	25	9	interest	interest	NOUN
fsr-3678	25	10	deductions	deduction	NOUN
fsr-3678	25	11	associated	associate	VERB
fsr-3678	25	12	with	with	ADP
fsr-3678	25	13	the	the	DET
fsr-3678	25	14	bpm	bpm	NOUN
fsr-3678	25	15	are	be	AUX
fsr-3678	25	16	smaller	small	ADJ
fsr-3678	25	17	than	than	ADP
fsr-3678	25	18	those	those	PRON
fsr-3678	25	19	of	of	ADP
fsr-3678	25	20	the	the	DET
fsr-3678	25	21	mpm	mpm	NOUN
fsr-3678	25	22	.	.	PUNCT
fsr-3678	26	1	finally	finally	ADV
fsr-3678	26	2	,	,	PUNCT
fsr-3678	26	3	unless	unless	SCONJ
fsr-3678	26	4	the	the	DET
fsr-3678	26	5	biweekly	biweekly	ADJ
fsr-3678	26	6	payments	payment	NOUN
fsr-3678	26	7	are	be	AUX
fsr-3678	26	8	made	make	VERB
fsr-3678	26	9	electronically	electronically	ADV
fsr-3678	26	10	,	,	PUNCT
fsr-3678	26	11	the	the	DET
fsr-3678	26	12	frequency	frequency	NOUN
fsr-3678	26	13	of	of	ADP
fsr-3678	26	14	payments	payment	NOUN
fsr-3678	26	15	would	would	AUX
fsr-3678	26	16	be	be	AUX
fsr-3678	26	17	burdensome	burdensome	ADJ
fsr-3678	26	18	for	for	ADP
fsr-3678	26	19	borrowers	borrower	NOUN
fsr-3678	26	20	and	and	CCONJ
fsr-3678	26	21	lenders	lender	NOUN
fsr-3678	26	22	.	.	PUNCT
fsr-3678	27	1	the	the	DET
fsr-3678	27	2	purpose	purpose	NOUN
fsr-3678	27	3	of	of	ADP
fsr-3678	27	4	this	this	DET
fsr-3678	27	5	study	study	NOUN
fsr-3678	27	6	is	be	AUX
fsr-3678	27	7	to	to	PART
fsr-3678	27	8	examine	examine	VERB
fsr-3678	27	9	the	the	DET
fsr-3678	27	10	influence	influence	NOUN
fsr-3678	27	11	of	of	ADP
fsr-3678	27	12	specific	specific	ADJ
fsr-3678	27	13	borrower	borrower	NOUN
fsr-3678	27	14	characteristics	characteristic	NOUN
fsr-3678	27	15	on	on	ADP
fsr-3678	27	16	the	the	DET
fsr-3678	27	17	choice	choice	NOUN
fsr-3678	27	18	between	between	ADP
fsr-3678	27	19	the	the	DET
fsr-3678	27	20	bpm	bpm	NOUN
fsr-3678	27	21	and	and	CCONJ
fsr-3678	27	22	the	the	DET
fsr-3678	27	23	mpm	mpm	NOUN
fsr-3678	27	24	.	.	PUNCT
fsr-3678	28	1	the	the	DET
fsr-3678	28	2	borrower	borrower	NOUN
fsr-3678	28	3	characteristics	characteristic	NOUN
fsr-3678	28	4	that	that	PRON
fsr-3678	28	5	were	be	AUX
fsr-3678	28	6	included	include	VERB
fsr-3678	28	7	in	in	ADP
fsr-3678	28	8	this	this	DET
fsr-3678	28	9	study	study	NOUN
fsr-3678	28	10	are	be	AUX
fsr-3678	28	11	frequency	frequency	NOUN
fsr-3678	28	12	of	of	ADP
fsr-3678	28	13	paydays	payday	NOUN
fsr-3678	28	14	,	,	PUNCT
fsr-3678	28	15	income	income	NOUN
fsr-3678	28	16	,	,	PUNCT
fsr-3678	28	17	net	net	ADJ
fsr-3678	28	18	worth	worth	NOUN
fsr-3678	28	19	,	,	PUNCT
fsr-3678	28	20	education	education	NOUN
fsr-3678	28	21	,	,	PUNCT
fsr-3678	28	22	age	age	NOUN
fsr-3678	28	23	and	and	CCONJ
fsr-3678	28	24	marital	marital	ADJ
fsr-3678	28	25	status	status	NOUN
fsr-3678	28	26	.	.	PUNCT
fsr-3678	29	1	the	the	DET
fsr-3678	29	2	hypotheses	hypothesis	NOUN
fsr-3678	29	3	pertaining	pertain	VERB
fsr-3678	29	4	to	to	ADP
fsr-3678	29	5	these	these	DET
fsr-3678	29	6	factors	factor	NOUN
fsr-3678	29	7	are	be	AUX
fsr-3678	29	8	given	give	VERB
fsr-3678	29	9	in	in	ADP
fsr-3678	29	10	the	the	DET
fsr-3678	29	11	next	next	ADJ
fsr-3678	29	12	section	section	NOUN
fsr-3678	29	13	.	.	PUNCT
fsr-3678	30	1	with	with	ADP
fsr-3678	30	2	the	the	DET
fsr-3678	30	3	exception	exception	NOUN
fsr-3678	30	4	of	of	ADP
fsr-3678	30	5	frequency	frequency	NOUN
fsr-3678	30	6	of	of	ADP
fsr-3678	30	7	paydays	payday	NOUN
fsr-3678	30	8	,	,	PUNCT
fsr-3678	30	9	the	the	DET
fsr-3678	30	10	borrower	borrower	NOUN
fsr-3678	30	11	characteristics	characteristic	NOUN
fsr-3678	30	12	listed	list	VERB
fsr-3678	30	13	in	in	ADP
fsr-3678	30	14	the	the	DET
fsr-3678	30	15	previous	previous	ADJ
fsr-3678	30	16	paragraph	paragraph	NOUN
fsr-3678	30	17	were	be	AUX
fsr-3678	30	18	used	use	VERB
fsr-3678	30	19	in	in	ADP
fsr-3678	30	20	previous	previous	ADJ
fsr-3678	30	21	studies	study	NOUN
fsr-3678	30	22	of	of	ADP
fsr-3678	30	23	mortgage	mortgage	NOUN
fsr-3678	30	24	choice	choice	NOUN
fsr-3678	30	25	.	.	PUNCT
fsr-3678	31	1	the	the	DET
fsr-3678	31	2	studies	study	NOUN
fsr-3678	31	3	cited	cite	VERB
fsr-3678	31	4	above	above	ADV
fsr-3678	31	5	did	do	AUX
fsr-3678	31	6	not	not	PART
fsr-3678	31	7	use	use	VERB
fsr-3678	31	8	the	the	DET
fsr-3678	31	9	same	same	ADJ
fsr-3678	31	10	variables	variable	NOUN
fsr-3678	31	11	.	.	PUNCT
fsr-3678	32	1	apparently	apparently	ADV
fsr-3678	32	2	,	,	PUNCT
fsr-3678	32	3	the	the	DET
fsr-3678	32	4	choice	choice	NOUN
fsr-3678	32	5	of	of	ADP
fsr-3678	32	6	variables	variable	NOUN
fsr-3678	32	7	depended	depend	VERB
fsr-3678	32	8	on	on	ADP
fsr-3678	32	9	the	the	DET
fsr-3678	32	10	type	type	NOUN
fsr-3678	32	11	of	of	ADP
fsr-3678	32	12	mortgage	mortgage	NOUN
fsr-3678	32	13	choice	choice	NOUN
fsr-3678	32	14	under	under	ADP
fsr-3678	32	15	study	study	NOUN
fsr-3678	32	16	and/or	and/or	CCONJ
fsr-3678	32	17	the	the	DET
fsr-3678	32	18	availabil	availabil	PROPN
fsr-3678	32	19	ity	ity	PROPN
fsr-3678	32	20	of	of	ADP
fsr-3678	32	21	data	data	PROPN
fsr-3678	32	22	.	.	PUNCT
fsr-3678	33	1	the	the	DET
fsr-3678	33	2	authors	author	NOUN
fsr-3678	33	3	do	do	AUX
fsr-3678	33	4	not	not	PART
fsr-3678	33	5	claim	claim	VERB
fsr-3678	33	6	that	that	SCONJ
fsr-3678	33	7	the	the	DET
fsr-3678	33	8	list	list	NOUN
fsr-3678	33	9	of	of	ADP
fsr-3678	33	10	variables	variable	NOUN
fsr-3678	33	11	included	include	VERB
fsr-3678	33	12	in	in	ADP
fsr-3678	33	13	this	this	DET
fsr-3678	33	14	study	study	NOUN
fsr-3678	33	15	is	be	AUX
fsr-3678	33	16	exhaustive	exhaustive	ADJ
fsr-3678	33	17	or	or	CCONJ
fsr-3678	33	18	complete	complete	ADJ
fsr-3678	33	19	.	.	PUNCT
fsr-3678	34	1	however	however	ADV
fsr-3678	34	2	,	,	PUNCT
fsr-3678	34	3	at	at	ADP
fsr-3678	34	4	the	the	DET
fsr-3678	34	5	time	time	NOUN
fsr-3678	34	6	the	the	DET
fsr-3678	34	7	survey	survey	NOUN
fsr-3678	34	8	form	form	NOUN
fsr-3678	34	9	was	be	AUX
fsr-3678	34	10	prepared	prepare	VERB
fsr-3678	34	11	,	,	PUNCT
fsr-3678	34	12	we	we	PRON
fsr-3678	34	13	believed	believe	VERB
fsr-3678	34	14	that	that	SCONJ
fsr-3678	34	15	the	the	DET
fsr-3678	34	16	variables	variable	NOUN
fsr-3678	34	17	listed	list	VERB
fsr-3678	34	18	above	above	ADV
fsr-3678	34	19	would	would	AUX
fsr-3678	34	20	influence	influence	VERB
fsr-3678	34	21	the	the	DET
fsr-3678	34	22	mortgage	mortgage	NOUN
fsr-3678	34	23	payment	payment	NOUN
fsr-3678	34	24	frequency	frequency	NOUN
fsr-3678	34	25	decision	decision	NOUN
fsr-3678	34	26	.	.	PUNCT
fsr-3678	35	1	to	to	ADP
fsr-3678	35	2	the	the	DET
fsr-3678	35	3	extent	extent	NOUN
fsr-3678	35	4	that	that	SCONJ
fsr-3678	35	5	other	other	ADJ
fsr-3678	35	6	important	important	ADJ
fsr-3678	35	7	variables	variable	NOUN
fsr-3678	35	8	were	be	AUX
fsr-3678	35	9	left	leave	VERB
fsr-3678	35	10	out	out	ADP
fsr-3678	35	11	,	,	PUNCT
fsr-3678	35	12	we	we	PRON
fsr-3678	35	13	hope	hope	VERB
fsr-3678	35	14	that	that	SCONJ
fsr-3678	35	15	some	some	PRON
fsr-3678	35	16	of	of	ADP
fsr-3678	35	17	their	their	PRON
fsr-3678	35	18	effects	effect	NOUN
fsr-3678	35	19	would	would	AUX
fsr-3678	35	20	be	be	AUX
fsr-3678	35	21	captured	capture	VERB
fsr-3678	35	22	by	by	ADP
fsr-3678	35	23	some	some	PRON
fsr-3678	35	24	of	of	ADP
fsr-3678	35	25	the	the	DET
fsr-3678	35	26	variables	variable	NOUN
fsr-3678	35	27	that	that	PRON
fsr-3678	35	28	were	be	AUX
fsr-3678	35	29	included	include	VERB
fsr-3678	35	30	in	in	ADP
fsr-3678	35	31	the	the	DET
fsr-3678	35	32	study	study	NOUN
fsr-3678	35	33	.	.	PUNCT
fsr-3678	36	1	for	for	ADP
fsr-3678	36	2	example	example	NOUN
fsr-3678	36	3	,	,	PUNCT
fsr-3678	36	4	the	the	DET
fsr-3678	36	5	borrower	borrower	NOUN
fsr-3678	36	6	’s	’s	PART
fsr-3678	36	7	expected	expect	VERB
fsr-3678	36	8	duration	duration	NOUN
fsr-3678	36	9	of	of	ADP
fsr-3678	36	10	stay	stay	NOUN
fsr-3678	36	11	in	in	ADP
fsr-3678	36	12	the	the	DET
fsr-3678	36	13	house	house	NOUN
fsr-3678	36	14	was	be	AUX
fsr-3678	36	15	not	not	PART
fsr-3678	36	16	included	include	VERB
fsr-3678	36	17	in	in	ADP
fsr-3678	36	18	the	the	DET
fsr-3678	36	19	model	model	NOUN
fsr-3678	36	20	and	and	CCONJ
fsr-3678	36	21	it	it	PRON
fsr-3678	36	22	may	may	AUX
fsr-3678	36	23	be	be	AUX
fsr-3678	36	24	argued	argue	VERB
fsr-3678	36	25	that	that	SCONJ
fsr-3678	36	26	this	this	DET
fsr-3678	36	27	variable	variable	NOUN
fsr-3678	36	28	is	be	AUX
fsr-3678	36	29	an	an	DET
fsr-3678	36	30	important	important	ADJ
fsr-3678	36	31	factor	factor	NOUN
fsr-3678	36	32	.	.	PUNCT
fsr-3678	37	1	to	to	ADP
fsr-3678	37	2	the	the	DET
fsr-3678	37	3	extent	extent	NOUN
fsr-3678	37	4	that	that	PRON
fsr-3678	37	5	younger	young	ADJ
fsr-3678	37	6	home	home	NOUN
fsr-3678	37	7	owners	owner	NOUN
fsr-3678	37	8	are	be	AUX
fsr-3678	37	9	more	more	ADV
fsr-3678	37	10	mobile	mobile	ADJ
fsr-3678	37	11	than	than	ADP
fsr-3678	37	12	other	other	ADJ
fsr-3678	37	13	home	home	NOUN
fsr-3678	37	14	owners	owner	NOUN
fsr-3678	37	15	,	,	PUNCT
fsr-3678	37	16	age	age	NOUN
fsr-3678	37	17	may	may	AUX
fsr-3678	37	18	be	be	AUX
fsr-3678	37	19	considered	consider	VERB
fsr-3678	37	20	a	a	DET
fsr-3678	37	21	proxy	proxy	NOUN
fsr-3678	37	22	for	for	ADP
fsr-3678	37	23	mobility	mobility	NOUN
fsr-3678	37	24	or	or	CCONJ
fsr-3678	37	25	the	the	DET
fsr-3678	37	26	expected	expected	ADJ
fsr-3678	37	27	housing	housing	NOUN
fsr-3678	37	28	tenure	tenure	NOUN
fsr-3678	37	29	.	.	PUNCT
fsr-3678	38	1	themodel	themodel	NOUN
fsr-3678	38	2	since	since	SCONJ
fsr-3678	38	3	the	the	DET
fsr-3678	38	4	dependent	dependent	ADJ
fsr-3678	38	5	variable	variable	NOUN
fsr-3678	38	6	is	be	AUX
fsr-3678	38	7	a	a	DET
fsr-3678	38	8	categorical	categorical	ADJ
fsr-3678	38	9	variable	variable	NOUN
fsr-3678	38	10	,	,	PUNCT
fsr-3678	38	11	the	the	DET
fsr-3678	38	12	logistic	logistic	ADJ
fsr-3678	38	13	regression	regression	NOUN
fsr-3678	38	14	model	model	NOUN
fsr-3678	38	15	was	be	AUX
fsr-3678	38	16	used	use	VERB
fsr-3678	38	17	to	to	PART
fsr-3678	38	18	determine	determine	VERB
fsr-3678	38	19	the	the	DET
fsr-3678	38	20	effects	effect	NOUN
fsr-3678	38	21	of	of	ADP
fsr-3678	38	22	borrower	borrower	NOUN
fsr-3678	38	23	characteristics	characteristic	NOUN
fsr-3678	38	24	on	on	ADP
fsr-3678	38	25	the	the	DET
fsr-3678	38	26	odds	odd	NOUN
fsr-3678	38	27	or	or	CCONJ
fsr-3678	38	28	probability	probability	NOUN
fsr-3678	38	29	of	of	ADP
fsr-3678	38	30	selecting	select	VERB
fsr-3678	38	31	a	a	DET
fsr-3678	38	32	bpm	bpm	NOUN
fsr-3678	38	33	.	.	PUNCT
fsr-3678	39	1	the	the	DET
fsr-3678	39	2	present	present	ADJ
fsr-3678	39	3	value	value	NOUN
fsr-3678	39	4	framework	framework	NOUN
fsr-3678	39	5	as	as	ADV
fsr-3678	39	6	well	well	ADV
fsr-3678	39	7	as	as	ADP
fsr-3678	39	8	probit	probit	NOUN
fsr-3678	39	9	and	and	CCONJ
fsr-3678	39	10	the	the	DET
fsr-3678	39	11	logistic	logistic	ADJ
fsr-3678	39	12	regression	regression	NOUN
fsr-3678	39	13	models	model	NOUN
fsr-3678	39	14	were	be	AUX
fsr-3678	39	15	used	use	VERB
fsr-3678	39	16	in	in	ADP
fsr-3678	39	17	studies	study	NOUN
fsr-3678	39	18	of	of	ADP
fsr-3678	39	19	mortgage	mortgage	NOUN
fsr-3678	39	20	choice	choice	NOUN
fsr-3678	39	21	.	.	PUNCT
fsr-3678	40	1	chmura	chmura	NOUN
fsr-3678	40	2	(	(	PUNCT
fsr-3678	40	3	1989	1989	NUM
fsr-3678	40	4	)	)	PUNCT
fsr-3678	40	5	and	and	CCONJ
fsr-3678	40	6	yohannes	yohanne	NOUN
fsr-3678	40	7	(	(	PUNCT
fsr-3678	40	8	1986	1986	NUM
fsr-3678	40	9	,	,	PUNCT
fsr-3678	40	10	1988	1988	NUM
fsr-3678	40	11	)	)	PUNCT
fsr-3678	40	12	used	use	VERB
fsr-3678	40	13	the	the	DET
fsr-3678	40	14	present	present	ADJ
fsr-3678	40	15	value	value	NOUN
fsr-3678	40	16	framework	framework	NOUN
fsr-3678	40	17	;	;	PUNCT
fsr-3678	40	18	dhillon	dhillon	PROPN
fsr-3678	40	19	et	et	PROPN
fsr-3678	40	20	al	al	PROPN
fsr-3678	40	21	.	.	PROPN
fsr-3678	41	1	(	(	PUNCT
fsr-3678	41	2	1986	1986	NUM
fsr-3678	41	3	,	,	PUNCT
fsr-3678	41	4	1989	1989	NUM
fsr-3678	41	5	)	)	PUNCT
fsr-3678	41	6	used	use	VERB
fsr-3678	41	7	probit	probit	NOUN
fsr-3678	41	8	analysis	analysis	NOUN
fsr-3678	41	9	and	and	CCONJ
fsr-3678	41	10	gardner	gardner	NOUN
fsr-3678	41	11	et	et	PROPN
fsr-3678	41	12	al	al	PROPN
fsr-3678	41	13	.	.	PROPN
fsr-3678	42	1	(	(	PUNCT
fsr-3678	42	2	1987	1987	NUM
fsr-3678	42	3	)	)	PUNCT
fsr-3678	42	4	and	and	CCONJ
fsr-3678	42	5	tucker	tucker	PROPN
fsr-3678	42	6	(	(	PUNCT
fsr-3678	42	7	1989	1989	NUM
fsr-3678	42	8	)	)	PUNCT
fsr-3678	42	9	used	use	VERB
fsr-3678	42	10	logit	logit	PROPN
fsr-3678	42	11	analysis	analysis	NOUN
fsr-3678	42	12	.	.	PUNCT
fsr-3678	43	1	the	the	DET
fsr-3678	43	2	probit	probit	NOUN
fsr-3678	43	3	and	and	CCONJ
fsr-3678	43	4	the	the	DET
fsr-3678	43	5	logistic	logistic	ADJ
fsr-3678	43	6	regression	regression	NOUN
fsr-3678	43	7	models	model	NOUN
fsr-3678	43	8	are	be	AUX
fsr-3678	43	9	both	both	ADV
fsr-3678	43	10	appropriate	appropriate	ADJ
fsr-3678	43	11	for	for	ADP
fsr-3678	43	12	models	model	NOUN
fsr-3678	43	13	in	in	ADP
fsr-3678	43	14	which	which	PRON
fsr-3678	43	15	the	the	DET
fsr-3678	43	16	dependent	dependent	ADJ
fsr-3678	43	17	variable	variable	NOUN
fsr-3678	43	18	is	be	AUX
fsr-3678	43	19	categorical	categorical	ADJ
fsr-3678	43	20	or	or	CCONJ
fsr-3678	43	21	dichotomous	dichotomous	ADJ
fsr-3678	43	22	.	.	PUNCT
fsr-3678	44	1	however	however	ADV
fsr-3678	44	2	,	,	PUNCT
fsr-3678	44	3	the	the	DET
fsr-3678	44	4	logis	logis	PROPN
fsr-3678	44	5	tic	tic	ADJ
fsr-3678	44	6	model	model	NOUN
fsr-3678	44	7	was	be	AUX
fsr-3678	44	8	chosen	choose	VERB
fsr-3678	44	9	for	for	ADP
fsr-3678	44	10	this	this	DET
fsr-3678	44	11	study	study	NOUN
fsr-3678	44	12	for	for	ADP
fsr-3678	44	13	the	the	DET
fsr-3678	44	14	same	same	ADJ
fsr-3678	44	15	reasons	reason	NOUN
fsr-3678	44	16	that	that	PRON
fsr-3678	44	17	are	be	AUX
fsr-3678	44	18	given	give	VERB
fsr-3678	44	19	in	in	ADP
fsr-3678	44	20	tucker	tucker	PROPN
fsr-3678	44	21	(	(	PUNCT
fsr-3678	44	22	1989	1989	NUM
fsr-3678	44	23	)	)	PUNCT
fsr-3678	44	24	.	.	PUNCT
fsr-3678	45	1	first	first	ADV
fsr-3678	45	2	,	,	PUNCT
fsr-3678	45	3	it	it	PRON
fsr-3678	45	4	does	do	AUX
fsr-3678	45	5	not	not	PART
fsr-3678	45	6	require	require	VERB
fsr-3678	45	7	normality	normality	NOUN
fsr-3678	45	8	of	of	ADP
fsr-3678	45	9	the	the	DET
fsr-3678	45	10	sampling	sample	VERB
fsr-3678	45	11	distribution	distribution	NOUN
fsr-3678	45	12	.	.	PUNCT
fsr-3678	46	1	second	second	ADJ
fsr-3678	46	2	,	,	PUNCT
fsr-3678	46	3	since	since	SCONJ
fsr-3678	46	4	the	the	DET
fsr-3678	46	5	mid	mid	ADJ
fsr-3678	46	6	-	-	ADJ
fsr-3678	46	7	range	range	ADJ
fsr-3678	46	8	ofthe	ofthe	PROPN
fsr-3678	46	9	logit	logit	PROPN
fsr-3678	46	10	curve	curve	NOUN
fsr-3678	46	11	tends	tend	VERB
fsr-3678	46	12	to	to	PART
fsr-3678	46	13	be	be	AUX
fsr-3678	46	14	steeper	steep	ADJ
fsr-3678	46	15	than	than	ADP
fsr-3678	46	16	that	that	PRON
fsr-3678	46	17	of	of	ADP
fsr-3678	46	18	the	the	DET
fsr-3678	46	19	probit	probit	NOUN
fsr-3678	46	20	curve	curve	NOUN
fsr-3678	46	21	,	,	PUNCT
fsr-3678	46	22	comparing	compare	VERB
fsr-3678	46	23	mortgages	mortgage	NOUN
fsr-3678	46	24	with	with	ADP
fsr-3678	46	25	different	different	ADJ
fsr-3678	46	26	payment	payment	NOUN
fsr-3678	46	27	frequencies	frequency	NOUN
fsr-3678	46	28	133	133	NUM
fsr-3678	47	1	it	it	PRON
fsr-3678	47	2	is	be	AUX
fsr-3678	47	3	more	more	ADV
fsr-3678	47	4	likely	likely	ADJ
fsr-3678	47	5	to	to	PART
fsr-3678	47	6	capture	capture	VERB
fsr-3678	47	7	the	the	DET
fsr-3678	47	8	effects	effect	NOUN
fsr-3678	47	9	of	of	ADP
fsr-3678	47	10	small	small	ADJ
fsr-3678	47	11	differences	difference	NOUN
fsr-3678	47	12	between	between	ADP
fsr-3678	47	13	the	the	DET
fsr-3678	47	14	characteristics	characteristic	NOUN
fsr-3678	47	15	of	of	ADP
fsr-3678	47	16	those	those	PRON
fsr-3678	47	17	who	who	PRON
fsr-3678	47	18	select	select	VERB
fsr-3678	47	19	the	the	DET
fsr-3678	47	20	biweekly	biweekly	ADJ
fsr-3678	47	21	-	-	PUNCT
fsr-3678	47	22	payment	payment	NOUN
fsr-3678	47	23	mortgage	mortgage	NOUN
fsr-3678	47	24	and	and	CCONJ
fsr-3678	47	25	the	the	DET
fsr-3678	47	26	characteristics	characteristic	NOUN
fsr-3678	47	27	of	of	ADP
fsr-3678	47	28	those	those	PRON
fsr-3678	47	29	who	who	PRON
fsr-3678	47	30	select	select	VERB
fsr-3678	47	31	the	the	DET
fsr-3678	47	32	monthly	monthly	ADJ
fsr-3678	47	33	-	-	PUNCT
fsr-3678	47	34	payment	payment	NOUN
fsr-3678	47	35	mortgage	mortgage	NOUN
fsr-3678	47	36	.	.	PUNCT
fsr-3678	48	1	the	the	DET
fsr-3678	48	2	logistic	logistic	ADJ
fsr-3678	48	3	regression	regression	NOUN
fsr-3678	48	4	model	model	NOUN
fsr-3678	48	5	is	be	AUX
fsr-3678	48	6	given	give	VERB
fsr-3678	48	7	by	by	ADP
fsr-3678	48	8	equation	equation	NOUN
fsr-3678	48	9	(	(	PUNCT
fsr-3678	48	10	1	1	NUM
fsr-3678	48	11	)	)	PUNCT
fsr-3678	48	12	.	.	PUNCT
fsr-3678	49	1	e(y	e(y	X
fsr-3678	49	2	)	)	PUNCT
fsr-3678	49	3	=	=	SYM
fsr-3678	49	4	exp(w	exp(w	PRON
fsr-3678	49	5	1	1	NUM
fsr-3678	49	6	+	+	NUM
fsr-3678	49	7	eww	eww	NOUN
fsr-3678	49	8	)	)	PUNCT
fsr-3678	49	9	=	=	PUNCT
fsr-3678	50	1	[	[	X
fsr-3678	50	2	l	l	X
fsr-3678	50	3	+	+	X
fsr-3678	50	4	exp(-w)]-i	exp(-w)]-i	X
fsr-3678	50	5	(	(	PUNCT
fsr-3678	50	6	1	1	NUM
fsr-3678	50	7	)	)	PUNCT
fsr-3678	50	8	where	where	SCONJ
fsr-3678	50	9	w=	w=	PRON
fsr-3678	50	10	e(y)1	e(y)1	NOUN
fsr-3678	50	11	x	x	SYM
fsr-3678	50	12	’s	’s	NOUN
fsr-3678	50	13	=	=	SYM
fsr-3678	50	14	b	b	NOUN
fsr-3678	50	15	’s	’s	NOUN
fsr-3678	50	16	=	=	NOUN
fsr-3678	50	17	exp	exp	NOUN
fsr-3678	50	18	=	=	SYM
fsr-3678	50	19	b	b	PROPN
fsr-3678	50	20	,	,	PUNCT
fsr-3678	50	21	+	+	NOUN
fsr-3678	50	22	b	b	NOUN
fsr-3678	50	23	,	,	PUNCT
fsr-3678	50	24	x	x	X
fsr-3678	50	25	,	,	PUNCT
fsr-3678	50	26	+	+	PUNCT
fsr-3678	50	27	.	.	PUNCT
fsr-3678	50	28	.	.	PUNCT
fsr-3678	50	29	.	.	PUNCT
fsr-3678	51	1	+	+	CCONJ
fsr-3678	51	2	bp_,xp	bp_,xp	VERB
fsr-3678	51	3	_	_	PRON
fsr-3678	51	4	,	,	PUNCT
fsr-3678	51	5	logit	logit	PROPN
fsr-3678	51	6	response	response	NOUN
fsr-3678	51	7	function	function	NOUN
fsr-3678	51	8	expected	expect	VERB
fsr-3678	51	9	value	value	NOUN
fsr-3678	51	10	of	of	ADP
fsr-3678	51	11	the	the	DET
fsr-3678	51	12	dependent	dependent	ADJ
fsr-3678	51	13	variable	variable	ADJ
fsr-3678	51	14	independent	independent	ADJ
fsr-3678	51	15	variables	variable	NOUN
fsr-3678	51	16	model	model	NOUN
fsr-3678	51	17	parameters	parameter	NOUN
fsr-3678	51	18	base	base	NOUN
fsr-3678	51	19	of	of	ADP
fsr-3678	51	20	the	the	DET
fsr-3678	51	21	natural	natural	ADJ
fsr-3678	51	22	logarithmic	logarithmic	ADJ
fsr-3678	51	23	system	system	NOUN
fsr-3678	51	24	since	since	SCONJ
fsr-3678	51	25	equation	equation	NOUN
fsr-3678	51	26	(	(	PUNCT
fsr-3678	51	27	1	1	X
fsr-3678	51	28	)	)	PUNCT
fsr-3678	51	29	is	be	AUX
fsr-3678	51	30	non	non	ADJ
fsr-3678	51	31	-	-	ADJ
fsr-3678	51	32	linear	linear	ADJ
fsr-3678	51	33	,	,	PUNCT
fsr-3678	51	34	it	it	PRON
fsr-3678	51	35	is	be	AUX
fsr-3678	51	36	transformed	transform	VERB
fsr-3678	51	37	into	into	ADP
fsr-3678	51	38	a	a	DET
fsr-3678	51	39	linear	linear	ADJ
fsr-3678	51	40	function	function	NOUN
fsr-3678	51	41	that	that	PRON
fsr-3678	51	42	can	can	AUX
fsr-3678	51	43	be	be	AUX
fsr-3678	51	44	used	use	VERB
fsr-3678	51	45	to	to	PART
fsr-3678	51	46	estimate	estimate	VERB
fsr-3678	51	47	the	the	DET
fsr-3678	51	48	parameters	parameter	NOUN
fsr-3678	51	49	of	of	ADP
fsr-3678	51	50	the	the	DET
fsr-3678	51	51	model	model	NOUN
fsr-3678	51	52	.	.	PUNCT
fsr-3678	52	1	specifically	specifically	ADV
fsr-3678	52	2	,	,	PUNCT
fsr-3678	52	3	if	if	SCONJ
fsr-3678	52	4	we	we	PRON
fsr-3678	52	5	let	let	VERB
fsr-3678	52	6	e	e	NOUN
fsr-3678	52	7	(	(	PUNCT
fsr-3678	52	8	y	y	NOUN
fsr-3678	52	9	)	)	PUNCT
fsr-3678	52	10	=	=	SYM
fsr-3678	53	1	p	p	NOUN
fsr-3678	53	2	,	,	PUNCT
fsr-3678	53	3	where	where	SCONJ
fsr-3678	53	4	p	p	NOUN
fsr-3678	53	5	is	be	AUX
fsr-3678	53	6	the	the	DET
fsr-3678	53	7	probability	probability	NOUN
fsr-3678	53	8	that	that	SCONJ
fsr-3678	53	9	y	y	PROPN
fsr-3678	53	10	will	will	AUX
fsr-3678	53	11	be	be	AUX
fsr-3678	53	12	one	one	NUM
fsr-3678	53	13	,	,	PUNCT
fsr-3678	53	14	equation	equation	NOUN
fsr-3678	53	15	(	(	PUNCT
fsr-3678	53	16	1	1	X
fsr-3678	53	17	)	)	PUNCT
fsr-3678	53	18	may	may	AUX
fsr-3678	53	19	be	be	AUX
fsr-3678	53	20	transformed	transform	VERB
fsr-3678	53	21	into	into	ADP
fsr-3678	53	22	the	the	DET
fsr-3678	53	23	logit	logit	PROPN
fsr-3678	53	24	response	response	NOUN
fsr-3678	53	25	function	function	NOUN
fsr-3678	53	26	:	:	PUNCT
fsr-3678	53	27	ln(p	ln(p	NUM
fsr-3678	53	28	/	/	SYM
fsr-3678	53	29	l	l	NOUN
fsr-3678	53	30	p	p	X
fsr-3678	53	31	)	)	PUNCT
fsr-3678	53	32	=	=	SYM
fsr-3678	53	33	w	w	PROPN
fsr-3678	53	34	=	=	SYM
fsr-3678	53	35	b	b	PROPN
fsr-3678	53	36	,	,	PUNCT
fsr-3678	53	37	+	+	NOUN
fsr-3678	53	38	b	b	NOUN
fsr-3678	53	39	,	,	PUNCT
fsr-3678	53	40	x	x	X
fsr-3678	53	41	,	,	PUNCT
fsr-3678	53	42	+	+	PUNCT
fsr-3678	53	43	.	.	PUNCT
fsr-3678	53	44	.	.	PUNCT
fsr-3678	53	45	.	.	PUNCT
fsr-3678	54	1	bp_,xpmi	bp_,xpmi	VERB
fsr-3678	54	2	the	the	DET
fsr-3678	54	3	dependent	dependent	ADJ
fsr-3678	54	4	variable	variable	NOUN
fsr-3678	54	5	,	,	PUNCT
fsr-3678	54	6	y	y	PROPN
fsr-3678	54	7	,	,	PUNCT
fsr-3678	54	8	was	be	AUX
fsr-3678	54	9	mortgage	mortgage	NOUN
fsr-3678	54	10	choice	choice	NOUN
fsr-3678	54	11	.	.	PUNCT
fsr-3678	55	1	it	it	PRON
fsr-3678	55	2	was	be	AUX
fsr-3678	55	3	coded	code	VERB
fsr-3678	55	4	a	a	DET
fsr-3678	55	5	“	"	PUNCT
fsr-3678	55	6	1	1	NUM
fsr-3678	55	7	”	"	PUNCT
fsr-3678	55	8	if	if	SCONJ
fsr-3678	55	9	the	the	DET
fsr-3678	55	10	bpm	bpm	NOUN
fsr-3678	55	11	was	be	AUX
fsr-3678	55	12	selected	select	VERB
fsr-3678	55	13	;	;	PUNCT
fsr-3678	55	14	it	it	PRON
fsr-3678	55	15	was	be	AUX
fsr-3678	55	16	coded	code	VERB
fsr-3678	55	17	a	a	DET
fsr-3678	55	18	“	"	PUNCT
fsr-3678	55	19	0	0	NUM
fsr-3678	55	20	”	"	PUNCT
fsr-3678	55	21	if	if	SCONJ
fsr-3678	55	22	a	a	DET
fsr-3678	55	23	mpm	mpm	NOUN
fsr-3678	55	24	was	be	AUX
fsr-3678	55	25	selected	select	VERB
fsr-3678	55	26	.	.	PUNCT
fsr-3678	56	1	as	as	SCONJ
fsr-3678	56	2	pointed	point	VERB
fsr-3678	56	3	out	out	ADP
fsr-3678	56	4	above	above	ADV
fsr-3678	56	5	,	,	PUNCT
fsr-3678	56	6	the	the	DET
fsr-3678	56	7	independent	independent	ADJ
fsr-3678	56	8	variables	variable	NOUN
fsr-3678	56	9	were	be	AUX
fsr-3678	56	10	frequency	frequency	NOUN
fsr-3678	56	11	of	of	ADP
fsr-3678	56	12	paydays	payday	NOUN
fsr-3678	56	13	,	,	PUNCT
fsr-3678	56	14	income	income	NOUN
fsr-3678	56	15	,	,	PUNCT
fsr-3678	56	16	net	net	ADJ
fsr-3678	56	17	worth	worth	NOUN
fsr-3678	56	18	,	,	PUNCT
fsr-3678	56	19	education	education	NOUN
fsr-3678	56	20	,	,	PUNCT
fsr-3678	56	21	age	age	NOUN
fsr-3678	56	22	and	and	CCONJ
fsr-3678	56	23	marital	marital	ADJ
fsr-3678	56	24	status	status	NOUN
fsr-3678	56	25	.	.	PUNCT
fsr-3678	57	1	one	one	NUM
fsr-3678	57	2	of	of	ADP
fsr-3678	57	3	the	the	DET
fsr-3678	57	4	hypotheses	hypothesis	NOUN
fsr-3678	57	5	that	that	PRON
fsr-3678	57	6	was	be	AUX
fsr-3678	57	7	tested	test	VERB
fsr-3678	57	8	is	be	AUX
fsr-3678	57	9	that	that	SCONJ
fsr-3678	57	10	borrowers	borrower	NOUN
fsr-3678	57	11	who	who	PRON
fsr-3678	57	12	are	be	AUX
fsr-3678	57	13	paid	pay	VERB
fsr-3678	57	14	biweekly	biweekly	NOUN
fsr-3678	57	15	will	will	AUX
fsr-3678	57	16	tend	tend	VERB
fsr-3678	57	17	to	to	PART
fsr-3678	57	18	choose	choose	VERB
fsr-3678	57	19	the	the	DET
fsr-3678	57	20	biweekly	biweekly	ADJ
fsr-3678	57	21	-	-	PUNCT
fsr-3678	57	22	payment	payment	NOUN
fsr-3678	57	23	mortgage	mortgage	NOUN
fsr-3678	57	24	.	.	PUNCT
fsr-3678	58	1	first	first	ADV
fsr-3678	58	2	,	,	PUNCT
fsr-3678	58	3	there	there	PRON
fsr-3678	58	4	is	be	VERB
fsr-3678	58	5	the	the	DET
fsr-3678	58	6	convenience	convenience	NOUN
fsr-3678	58	7	factor	factor	NOUN
fsr-3678	58	8	and	and	CCONJ
fsr-3678	58	9	secondly	secondly	ADV
fsr-3678	58	10	,	,	PUNCT
fsr-3678	58	11	if	if	SCONJ
fsr-3678	58	12	the	the	DET
fsr-3678	58	13	people	people	NOUN
fsr-3678	58	14	who	who	PRON
fsr-3678	58	15	are	be	AUX
fsr-3678	58	16	paid	pay	VERB
fsr-3678	58	17	biweekly	biweekly	ADJ
fsr-3678	58	18	select	select	VERB
fsr-3678	58	19	a	a	DET
fsr-3678	58	20	monthly	monthly	ADJ
fsr-3678	58	21	-	-	PUNCT
fsr-3678	58	22	payment	payment	NOUN
fsr-3678	58	23	mortgage	mortgage	NOUN
fsr-3678	58	24	,	,	PUNCT
fsr-3678	58	25	there	there	PRON
fsr-3678	58	26	is	be	VERB
fsr-3678	58	27	a	a	DET
fsr-3678	58	28	risk	risk	NOUN
fsr-3678	58	29	that	that	SCONJ
fsr-3678	58	30	those	those	DET
fsr-3678	58	31	people	people	NOUN
fsr-3678	58	32	will	will	AUX
fsr-3678	58	33	spend	spend	VERB
fsr-3678	58	34	the	the	DET
fsr-3678	58	35	money	money	NOUN
fsr-3678	58	36	on	on	ADP
fsr-3678	58	37	something	something	PRON
fsr-3678	58	38	else	else	ADV
fsr-3678	58	39	before	before	ADP
fsr-3678	58	40	the	the	DET
fsr-3678	58	41	mortgage	mortgage	NOUN
fsr-3678	58	42	due	due	ADJ
fsr-3678	58	43	date	date	NOUN
fsr-3678	58	44	arrives	arrive	VERB
fsr-3678	58	45	.	.	PUNCT
fsr-3678	59	1	people	people	NOUN
fsr-3678	59	2	with	with	ADP
fsr-3678	59	3	higher	high	ADJ
fsr-3678	59	4	incomes	income	NOUN
fsr-3678	59	5	and	and	CCONJ
fsr-3678	59	6	larger	large	ADJ
fsr-3678	59	7	net	net	ADJ
fsr-3678	59	8	worth	worth	NOUN
fsr-3678	59	9	would	would	AUX
fsr-3678	59	10	be	be	AUX
fsr-3678	59	11	expected	expect	VERB
fsr-3678	59	12	to	to	PART
fsr-3678	59	13	choose	choose	VERB
fsr-3678	59	14	the	the	DET
fsr-3678	59	15	bpm	bpm	NOUN
fsr-3678	59	16	.	.	PUNCT
fsr-3678	60	1	they	they	PRON
fsr-3678	60	2	would	would	AUX
fsr-3678	60	3	be	be	AUX
fsr-3678	60	4	in	in	ADP
fsr-3678	60	5	a	a	DET
fsr-3678	60	6	better	well	ADJ
fsr-3678	60	7	position	position	NOUN
fsr-3678	60	8	to	to	PART
fsr-3678	60	9	handle	handle	VERB
fsr-3678	60	10	the	the	DET
fsr-3678	60	11	larger	large	ADJ
fsr-3678	60	12	annual	annual	ADJ
fsr-3678	60	13	payments	payment	NOUN
fsr-3678	60	14	associated	associate	VERB
fsr-3678	60	15	with	with	ADP
fsr-3678	60	16	the	the	DET
fsr-3678	60	17	bpm	bpm	NOUN
fsr-3678	60	18	.	.	PUNCT
fsr-3678	61	1	on	on	ADP
fsr-3678	61	2	the	the	DET
fsr-3678	61	3	other	other	ADJ
fsr-3678	61	4	hand	hand	NOUN
fsr-3678	61	5	,	,	PUNCT
fsr-3678	61	6	high	high	ADJ
fsr-3678	61	7	-	-	PUNCT
fsr-3678	61	8	income	income	NOUN
fsr-3678	61	9	borrowers	borrower	NOUN
fsr-3678	61	10	may	may	AUX
fsr-3678	61	11	be	be	AUX
fsr-3678	61	12	more	more	ADV
fsr-3678	61	13	interested	interested	ADJ
fsr-3678	61	14	in	in	ADP
fsr-3678	61	15	the	the	DET
fsr-3678	61	16	larger	large	ADJ
fsr-3678	61	17	interest	interest	NOUN
fsr-3678	61	18	deductions	deduction	NOUN
fsr-3678	61	19	that	that	PRON
fsr-3678	61	20	the	the	DET
fsr-3678	61	21	monthly	monthly	ADJ
fsr-3678	61	22	-	-	PUNCT
fsr-3678	61	23	payment	payment	NOUN
fsr-3678	61	24	mortgage	mortgage	NOUN
fsr-3678	61	25	offers	offer	NOUN
fsr-3678	61	26	.	.	PUNCT
fsr-3678	62	1	so	so	ADV
fsr-3678	62	2	,	,	PUNCT
fsr-3678	62	3	the	the	DET
fsr-3678	62	4	relationship	relationship	NOUN
fsr-3678	62	5	between	between	ADP
fsr-3678	62	6	income	income	NOUN
fsr-3678	62	7	and	and	CCONJ
fsr-3678	62	8	the	the	DET
fsr-3678	62	9	choice	choice	NOUN
fsr-3678	62	10	between	between	ADP
fsr-3678	62	11	the	the	DET
fsr-3678	62	12	bpm	bpm	NOUN
fsr-3678	62	13	and	and	CCONJ
fsr-3678	62	14	the	the	DET
fsr-3678	62	15	mpm	mpm	NOUN
fsr-3678	62	16	is	be	AUX
fsr-3678	62	17	not	not	PART
fsr-3678	62	18	clear	clear	ADJ
fsr-3678	62	19	.	.	PUNCT
fsr-3678	63	1	the	the	DET
fsr-3678	63	2	two	two	NUM
fsr-3678	63	3	effects	effect	NOUN
fsr-3678	63	4	could	could	AUX
fsr-3678	63	5	,	,	PUNCT
fsr-3678	63	6	possibly	possibly	ADV
fsr-3678	63	7	,	,	PUNCT
fsr-3678	63	8	offset	offset	VERB
fsr-3678	63	9	each	each	DET
fsr-3678	63	10	other	other	ADJ
fsr-3678	63	11	.	.	PUNCT
fsr-3678	64	1	some	some	DET
fsr-3678	64	2	authors	author	NOUN
fsr-3678	64	3	refer	refer	VERB
fsr-3678	64	4	to	to	ADP
fsr-3678	64	5	the	the	DET
fsr-3678	64	6	bpm	bpm	NOUN
fsr-3678	64	7	as	as	ADP
fsr-3678	64	8	the	the	DET
fsr-3678	64	9	“	"	PUNCT
fsr-3678	64	10	yuppie	yuppie	NOUN
fsr-3678	64	11	mortgage	mortgage	NOUN
fsr-3678	64	12	,	,	PUNCT
fsr-3678	64	13	”	"	PUNCT
fsr-3678	64	14	the	the	DET
fsr-3678	64	15	mortgage	mortgage	NOUN
fsr-3678	64	16	for	for	ADP
fsr-3678	64	17	young	young	ADJ
fsr-3678	64	18	,	,	PUNCT
fsr-3678	64	19	urban	urban	ADJ
fsr-3678	64	20	professionals	professional	NOUN
fsr-3678	64	21	with	with	ADP
fsr-3678	64	22	high	high	ADJ
fsr-3678	64	23	income	income	NOUN
fsr-3678	64	24	.	.	PUNCT
fsr-3678	65	1	see	see	VERB
fsr-3678	65	2	debat	debat	PROPN
fsr-3678	65	3	(	(	PUNCT
fsr-3678	65	4	1986	1986	NUM
fsr-3678	65	5	)	)	PUNCT
fsr-3678	65	6	.	.	PUNCT
fsr-3678	66	1	however	however	ADV
fsr-3678	66	2	,	,	PUNCT
fsr-3678	66	3	a	a	PRON
fsr-3678	66	4	priori	priori	X
fsr-3678	66	5	,	,	PUNCT
fsr-3678	66	6	it	it	PRON
fsr-3678	66	7	is	be	AUX
fsr-3678	66	8	not	not	PART
fsr-3678	66	9	clear	clear	ADJ
fsr-3678	66	10	what	what	PRON
fsr-3678	66	11	the	the	DET
fsr-3678	66	12	effect	effect	NOUN
fsr-3678	66	13	of	of	ADP
fsr-3678	66	14	education	education	NOUN
fsr-3678	66	15	on	on	ADP
fsr-3678	66	16	the	the	DET
fsr-3678	66	17	choice	choice	NOUN
fsr-3678	66	18	between	between	ADP
fsr-3678	66	19	the	the	DET
fsr-3678	66	20	bpm	bpm	NOUN
fsr-3678	66	21	and	and	CCONJ
fsr-3678	66	22	the	the	DET
fsr-3678	66	23	mpm	mpm	NOUN
fsr-3678	66	24	would	would	AUX
fsr-3678	66	25	be	be	AUX
fsr-3678	66	26	.	.	PUNCT
fsr-3678	67	1	to	to	ADP
fsr-3678	67	2	the	the	DET
fsr-3678	67	3	extent	extent	NOUN
fsr-3678	67	4	that	that	SCONJ
fsr-3678	67	5	borrowers	borrower	NOUN
fsr-3678	67	6	with	with	ADP
fsr-3678	67	7	higher	high	ADJ
fsr-3678	67	8	education	education	NOUN
fsr-3678	67	9	levels	level	NOUN
fsr-3678	67	10	tend	tend	VERB
fsr-3678	67	11	to	to	ADP
fsr-3678	67	12	134	134	NUM
fsr-3678	67	13	financial	financial	ADJ
fsr-3678	67	14	services	service	NOUN
fsr-3678	67	15	review	review	NOUN
fsr-3678	67	16	,	,	PUNCT
fsr-3678	67	17	l(2	l(2	PROPN
fsr-3678	67	18	)	)	PUNCT
fsr-3678	67	19	1991	1991	NUM
fsr-3678	67	20	have	have	VERB
fsr-3678	67	21	higher	high	ADJ
fsr-3678	67	22	incomes	income	NOUN
fsr-3678	67	23	and	and	CCONJ
fsr-3678	67	24	net	net	ADJ
fsr-3678	67	25	worth	worth	NOUN
fsr-3678	67	26	than	than	ADP
fsr-3678	67	27	borrowers	borrower	NOUN
fsr-3678	67	28	with	with	ADP
fsr-3678	67	29	lower	low	ADJ
fsr-3678	67	30	education	education	NOUN
fsr-3678	67	31	levels	level	NOUN
fsr-3678	67	32	,	,	PUNCT
fsr-3678	67	33	borrowers	borrower	NOUN
fsr-3678	67	34	with	with	ADP
fsr-3678	67	35	higher	high	ADJ
fsr-3678	67	36	formal	formal	ADJ
fsr-3678	67	37	education	education	NOUN
fsr-3678	67	38	would	would	AUX
fsr-3678	67	39	tend	tend	VERB
fsr-3678	67	40	to	to	PART
fsr-3678	67	41	choose	choose	VERB
fsr-3678	67	42	the	the	DET
fsr-3678	67	43	bpm	bpm	NOUN
fsr-3678	67	44	.	.	PUNCT
fsr-3678	68	1	they	they	PRON
fsr-3678	68	2	would	would	AUX
fsr-3678	68	3	be	be	AUX
fsr-3678	68	4	in	in	ADP
fsr-3678	68	5	a	a	DET
fsr-3678	68	6	better	well	ADJ
fsr-3678	68	7	position	position	NOUN
fsr-3678	68	8	to	to	PART
fsr-3678	68	9	pay	pay	VERB
fsr-3678	68	10	the	the	DET
fsr-3678	68	11	larger	large	ADJ
fsr-3678	68	12	annual	annual	ADJ
fsr-3678	68	13	payments	payment	NOUN
fsr-3678	68	14	associated	associate	VERB
fsr-3678	68	15	with	with	ADP
fsr-3678	68	16	the	the	DET
fsr-3678	68	17	bpm	bpm	NOUN
fsr-3678	68	18	.	.	PUNCT
fsr-3678	69	1	on	on	ADP
fsr-3678	69	2	the	the	DET
fsr-3678	69	3	other	other	ADJ
fsr-3678	69	4	hand	hand	NOUN
fsr-3678	69	5	,	,	PUNCT
fsr-3678	69	6	because	because	SCONJ
fsr-3678	69	7	of	of	ADP
fsr-3678	69	8	the	the	DET
fsr-3678	69	9	greater	great	ADJ
fsr-3678	69	10	tax	tax	NOUN
fsr-3678	69	11	benefits	benefit	NOUN
fsr-3678	69	12	of	of	ADP
fsr-3678	69	13	larger	large	ADJ
fsr-3678	69	14	interest	interest	NOUN
fsr-3678	69	15	deductions	deduction	NOUN
fsr-3678	69	16	,	,	PUNCT
fsr-3678	69	17	the	the	DET
fsr-3678	69	18	mpm	mpm	NOUN
fsr-3678	69	19	may	may	AUX
fsr-3678	69	20	be	be	AUX
fsr-3678	69	21	more	more	ADV
fsr-3678	69	22	appealing	appealing	ADJ
fsr-3678	69	23	to	to	ADP
fsr-3678	69	24	the	the	DET
fsr-3678	69	25	more	more	ADV
fsr-3678	69	26	educated	educate	VERB
fsr-3678	69	27	borrowers	borrower	NOUN
fsr-3678	69	28	.	.	PUNCT
fsr-3678	70	1	furthermore	furthermore	ADV
fsr-3678	70	2	,	,	PUNCT
fsr-3678	70	3	the	the	DET
fsr-3678	70	4	more	more	ADV
fsr-3678	70	5	educated	educate	VERB
fsr-3678	70	6	borrowers	borrower	NOUN
fsr-3678	70	7	may	may	AUX
fsr-3678	70	8	know	know	VERB
fsr-3678	70	9	more	more	ADJ
fsr-3678	70	10	about	about	ADP
fsr-3678	70	11	alternative	alternative	ADJ
fsr-3678	70	12	mortgages	mortgage	NOUN
fsr-3678	70	13	and	and	CCONJ
fsr-3678	70	14	investment	investment	NOUN
fsr-3678	70	15	products	product	NOUN
fsr-3678	70	16	and	and	CCONJ
fsr-3678	70	17	they	they	PRON
fsr-3678	70	18	may	may	AUX
fsr-3678	70	19	not	not	PART
fsr-3678	70	20	be	be	AUX
fsr-3678	70	21	impressed	impress	VERB
fsr-3678	70	22	by	by	ADP
fsr-3678	70	23	the	the	DET
fsr-3678	70	24	bpm	bpm	NOUN
fsr-3678	70	25	as	as	SCONJ
fsr-3678	70	26	the	the	DET
fsr-3678	70	27	borrowers	borrower	NOUN
fsr-3678	70	28	with	with	ADP
fsr-3678	70	29	lower	low	ADJ
fsr-3678	70	30	education	education	NOUN
fsr-3678	70	31	might	might	AUX
fsr-3678	70	32	be	be	AUX
fsr-3678	70	33	.	.	PUNCT
fsr-3678	71	1	for	for	ADP
fsr-3678	71	2	example	example	NOUN
fsr-3678	71	3	,	,	PUNCT
fsr-3678	71	4	a	a	DET
fsr-3678	71	5	home	home	NOUN
fsr-3678	71	6	owner	owner	NOUN
fsr-3678	71	7	can	can	AUX
fsr-3678	71	8	obtain	obtain	VERB
fsr-3678	71	9	a	a	DET
fsr-3678	71	10	mpm	mpm	NOUN
fsr-3678	71	11	and	and	CCONJ
fsr-3678	71	12	then	then	ADV
fsr-3678	71	13	design	design	VERB
fsr-3678	71	14	a	a	DET
fsr-3678	71	15	prepayment	prepayment	NOUN
fsr-3678	71	16	plan	plan	NOUN
fsr-3678	71	17	that	that	PRON
fsr-3678	71	18	is	be	AUX
fsr-3678	71	19	equivalent	equivalent	ADJ
fsr-3678	71	20	to	to	ADP
fsr-3678	71	21	the	the	DET
fsr-3678	71	22	bpm	bpm	NOUN
fsr-3678	71	23	without	without	ADP
fsr-3678	71	24	refinancing	refinance	VERB
fsr-3678	71	25	.	.	PUNCT
fsr-3678	72	1	the	the	DET
fsr-3678	72	2	mpm	mpm	NOUN
fsr-3678	72	3	gives	give	VERB
fsr-3678	72	4	the	the	DET
fsr-3678	72	5	home	home	NOUN
fsr-3678	72	6	owner	owner	NOUN
fsr-3678	72	7	greater	great	ADJ
fsr-3678	72	8	flexibility	flexibility	NOUN
fsr-3678	72	9	than	than	SCONJ
fsr-3678	72	10	does	do	VERB
fsr-3678	72	11	the	the	DET
fsr-3678	72	12	bpm	bpm	NOUN
fsr-3678	72	13	.	.	PUNCT
fsr-3678	73	1	as	as	ADV
fsr-3678	73	2	far	far	ADV
fsr-3678	73	3	as	as	SCONJ
fsr-3678	73	4	age	age	NOUN
fsr-3678	73	5	is	be	AUX
fsr-3678	73	6	concerned	concern	VERB
fsr-3678	73	7	,	,	PUNCT
fsr-3678	73	8	we	we	PRON
fsr-3678	73	9	would	would	AUX
fsr-3678	73	10	expect	expect	VERB
fsr-3678	73	11	older	old	ADJ
fsr-3678	73	12	borrowers	borrower	NOUN
fsr-3678	73	13	to	to	PART
fsr-3678	73	14	choose	choose	VERB
fsr-3678	73	15	the	the	DET
fsr-3678	73	16	bpm	bpm	NOUN
fsr-3678	73	17	so	so	SCONJ
fsr-3678	73	18	they	they	PRON
fsr-3678	73	19	can	can	AUX
fsr-3678	73	20	pay	pay	VERB
fsr-3678	73	21	off	off	ADP
fsr-3678	73	22	their	their	PRON
fsr-3678	73	23	mortgage	mortgage	NOUN
fsr-3678	73	24	sooner	soon	ADV
fsr-3678	73	25	and	and	CCONJ
fsr-3678	73	26	own	own	VERB
fsr-3678	73	27	their	their	PRON
fsr-3678	73	28	homes	home	NOUN
fsr-3678	73	29	free	free	ADJ
fsr-3678	73	30	and	and	CCONJ
fsr-3678	73	31	clear	clear	ADJ
fsr-3678	73	32	before	before	ADP
fsr-3678	73	33	retirement	retirement	NOUN
fsr-3678	73	34	.	.	PUNCT
fsr-3678	74	1	in	in	ADP
fsr-3678	74	2	addition	addition	NOUN
fsr-3678	74	3	,	,	PUNCT
fsr-3678	74	4	older	old	ADJ
fsr-3678	74	5	borrowers	borrower	NOUN
fsr-3678	74	6	may	may	AUX
fsr-3678	74	7	have	have	VERB
fsr-3678	74	8	higher	high	ADJ
fsr-3678	74	9	incomes	income	NOUN
fsr-3678	74	10	and	and	CCONJ
fsr-3678	74	11	larger	large	ADJ
fsr-3678	74	12	net	net	ADJ
fsr-3678	74	13	worth	worth	NOUN
fsr-3678	74	14	and	and	CCONJ
fsr-3678	74	15	they	they	PRON
fsr-3678	74	16	may	may	AUX
fsr-3678	74	17	be	be	AUX
fsr-3678	74	18	in	in	ADP
fsr-3678	74	19	a	a	DET
fsr-3678	74	20	better	well	ADJ
fsr-3678	74	21	position	position	NOUN
fsr-3678	74	22	to	to	PART
fsr-3678	74	23	handle	handle	VERB
fsr-3678	74	24	the	the	DET
fsr-3678	74	25	bpm	bpm	NOUN
fsr-3678	74	26	.	.	PUNCT
fsr-3678	75	1	here	here	ADV
fsr-3678	75	2	,	,	PUNCT
fsr-3678	75	3	again	again	ADV
fsr-3678	75	4	the	the	DET
fsr-3678	75	5	greater	great	ADJ
fsr-3678	75	6	tax	tax	NOUN
fsr-3678	75	7	benefit	benefit	NOUN
fsr-3678	75	8	associated	associate	VERB
fsr-3678	75	9	with	with	ADP
fsr-3678	75	10	the	the	DET
fsr-3678	75	11	mpm	mpm	NOUN
fsr-3678	75	12	may	may	AUX
fsr-3678	75	13	lead	lead	VERB
fsr-3678	75	14	them	they	PRON
fsr-3678	75	15	to	to	PART
fsr-3678	75	16	choose	choose	VERB
fsr-3678	75	17	the	the	DET
fsr-3678	75	18	mpm	mpm	NOUN
fsr-3678	75	19	.	.	PUNCT
fsr-3678	76	1	finally	finally	ADV
fsr-3678	76	2	,	,	PUNCT
fsr-3678	76	3	married	married	ADJ
fsr-3678	76	4	couples	couple	NOUN
fsr-3678	76	5	may	may	AUX
fsr-3678	76	6	tend	tend	VERB
fsr-3678	76	7	to	to	PART
fsr-3678	76	8	choose	choose	VERB
fsr-3678	76	9	the	the	DET
fsr-3678	76	10	bpm	bpm	NOUN
fsr-3678	76	11	since	since	SCONJ
fsr-3678	76	12	they	they	PRON
fsr-3678	76	13	are	be	AUX
fsr-3678	76	14	more	more	ADV
fsr-3678	76	15	likely	likely	ADJ
fsr-3678	76	16	to	to	PART
fsr-3678	76	17	have	have	VERB
fsr-3678	76	18	higher	high	ADJ
fsr-3678	76	19	incomes	income	NOUN
fsr-3678	76	20	than	than	ADP
fsr-3678	76	21	singles	single	NOUN
fsr-3678	76	22	.	.	PUNCT
fsr-3678	77	1	they	they	PRON
fsr-3678	77	2	also	also	ADV
fsr-3678	77	3	benefit	benefit	VERB
fsr-3678	77	4	from	from	ADP
fsr-3678	77	5	the	the	DET
fsr-3678	77	6	economies	economy	NOUN
fsr-3678	77	7	of	of	ADP
fsr-3678	77	8	joint	joint	ADJ
fsr-3678	77	9	living	living	NOUN
fsr-3678	77	10	.	.	PUNCT
fsr-3678	78	1	on	on	ADP
fsr-3678	78	2	the	the	DET
fsr-3678	78	3	other	other	ADJ
fsr-3678	78	4	hand	hand	NOUN
fsr-3678	78	5	,	,	PUNCT
fsr-3678	78	6	the	the	DET
fsr-3678	78	7	mpm	mpm	NOUN
fsr-3678	78	8	may	may	AUX
fsr-3678	78	9	be	be	AUX
fsr-3678	78	10	more	more	ADV
fsr-3678	78	11	attractive	attractive	ADJ
fsr-3678	78	12	to	to	ADP
fsr-3678	78	13	them	they	PRON
fsr-3678	78	14	than	than	ADP
fsr-3678	78	15	the	the	DET
fsr-3678	78	16	bpm	bpm	NOUN
fsr-3678	78	17	for	for	ADP
fsr-3678	78	18	tax	tax	NOUN
fsr-3678	78	19	reasons	reason	NOUN
fsr-3678	78	20	.	.	PUNCT
fsr-3678	79	1	with	with	ADP
fsr-3678	79	2	the	the	DET
fsr-3678	79	3	exception	exception	NOUN
fsr-3678	79	4	of	of	ADP
fsr-3678	79	5	the	the	DET
fsr-3678	79	6	frequency	frequency	NOUN
fsr-3678	79	7	of	of	ADP
fsr-3678	79	8	paydays	payday	NOUN
fsr-3678	79	9	,	,	PUNCT
fsr-3678	79	10	the	the	DET
fsr-3678	79	11	effects	effect	NOUN
fsr-3678	79	12	of	of	ADP
fsr-3678	79	13	the	the	DET
fsr-3678	79	14	factors	factor	NOUN
fsr-3678	79	15	discussed	discuss	VERB
fsr-3678	79	16	above	above	ADV
fsr-3678	79	17	on	on	ADP
fsr-3678	79	18	the	the	DET
fsr-3678	79	19	choice	choice	NOUN
fsr-3678	79	20	between	between	ADP
fsr-3678	79	21	the	the	DET
fsr-3678	79	22	bpm	bpm	NOUN
fsr-3678	79	23	and	and	CCONJ
fsr-3678	79	24	the	the	DET
fsr-3678	79	25	mpm	mpm	NOUN
fsr-3678	79	26	is	be	AUX
fsr-3678	79	27	not	not	PART
fsr-3678	79	28	clear	clear	ADJ
fsr-3678	79	29	.	.	PUNCT
fsr-3678	80	1	some	some	PRON
fsr-3678	80	2	of	of	ADP
fsr-3678	80	3	the	the	DET
fsr-3678	80	4	factors	factor	NOUN
fsr-3678	80	5	may	may	AUX
fsr-3678	80	6	lead	lead	VERB
fsr-3678	80	7	to	to	ADP
fsr-3678	80	8	the	the	DET
fsr-3678	80	9	choice	choice	NOUN
fsr-3678	80	10	of	of	ADP
fsr-3678	80	11	the	the	DET
fsr-3678	80	12	bpm	bpm	NOUN
fsr-3678	80	13	and	and	CCONJ
fsr-3678	80	14	others	other	NOUN
fsr-3678	80	15	may	may	AUX
fsr-3678	80	16	lead	lead	VERB
fsr-3678	80	17	to	to	ADP
fsr-3678	80	18	the	the	DET
fsr-3678	80	19	choice	choice	NOUN
fsr-3678	80	20	of	of	ADP
fsr-3678	80	21	the	the	DET
fsr-3678	80	22	mpm	mpm	NOUN
fsr-3678	80	23	.	.	PUNCT
fsr-3678	81	1	it	it	PRON
fsr-3678	81	2	is	be	AUX
fsr-3678	81	3	also	also	ADV
fsr-3678	81	4	possible	possible	ADJ
fsr-3678	81	5	that	that	SCONJ
fsr-3678	81	6	because	because	SCONJ
fsr-3678	81	7	of	of	ADP
fsr-3678	81	8	the	the	DET
fsr-3678	81	9	types	type	NOUN
fsr-3678	81	10	of	of	ADP
fsr-3678	81	11	offsetting	offset	VERB
fsr-3678	81	12	effects	effect	NOUN
fsr-3678	81	13	that	that	PRON
fsr-3678	81	14	were	be	AUX
fsr-3678	81	15	discussed	discuss	VERB
fsr-3678	81	16	above	above	ADV
fsr-3678	81	17	,	,	PUNCT
fsr-3678	81	18	some	some	PRON
fsr-3678	81	19	of	of	ADP
fsr-3678	81	20	the	the	DET
fsr-3678	81	21	variables	variable	NOUN
fsr-3678	81	22	may	may	AUX
fsr-3678	81	23	not	not	PART
fsr-3678	81	24	have	have	VERB
fsr-3678	81	25	any	any	DET
fsr-3678	81	26	significant	significant	ADJ
fsr-3678	81	27	effect	effect	NOUN
fsr-3678	81	28	on	on	ADP
fsr-3678	81	29	the	the	DET
fsr-3678	81	30	choice	choice	NOUN
fsr-3678	81	31	between	between	ADP
fsr-3678	81	32	the	the	DET
fsr-3678	81	33	two	two	NUM
fsr-3678	81	34	mortgage	mortgage	NOUN
fsr-3678	81	35	instruments	instrument	NOUN
fsr-3678	81	36	.	.	PUNCT
fsr-3678	82	1	with	with	ADP
fsr-3678	82	2	the	the	DET
fsr-3678	82	3	exception	exception	NOUN
fsr-3678	82	4	of	of	ADP
fsr-3678	82	5	age	age	NOUN
fsr-3678	82	6	,	,	PUNCT
fsr-3678	82	7	all	all	DET
fsr-3678	82	8	the	the	DET
fsr-3678	82	9	independent	independent	ADJ
fsr-3678	82	10	variables	variable	NOUN
fsr-3678	82	11	in	in	ADP
fsr-3678	82	12	this	this	DET
fsr-3678	82	13	study	study	NOUN
fsr-3678	82	14	were	be	AUX
fsr-3678	82	15	treated	treat	VERB
fsr-3678	82	16	as	as	ADP
fsr-3678	82	17	categorical	categorical	ADJ
fsr-3678	82	18	variables	variable	NOUN
fsr-3678	82	19	.	.	PUNCT
fsr-3678	83	1	two	two	NUM
fsr-3678	83	2	of	of	ADP
fsr-3678	83	3	the	the	DET
fsr-3678	83	4	independent	independent	ADJ
fsr-3678	83	5	variables	variable	NOUN
fsr-3678	83	6	,	,	PUNCT
fsr-3678	83	7	income	income	NOUN
fsr-3678	83	8	and	and	CCONJ
fsr-3678	83	9	net	net	ADJ
fsr-3678	83	10	worth	worth	NOUN
fsr-3678	83	11	,	,	PUNCT
fsr-3678	83	12	had	have	VERB
fsr-3678	83	13	three	three	NUM
fsr-3678	83	14	classes	class	NOUN
fsr-3678	83	15	each	each	PRON
fsr-3678	83	16	and	and	CCONJ
fsr-3678	83	17	they	they	PRON
fsr-3678	83	18	were	be	AUX
fsr-3678	83	19	each	each	PRON
fsr-3678	83	20	represented	represent	VERB
fsr-3678	83	21	by	by	ADP
fsr-3678	83	22	two	two	NUM
fsr-3678	83	23	indicator	indicator	NOUN
fsr-3678	83	24	variables	variable	NOUN
fsr-3678	83	25	.	.	PUNCT
fsr-3678	84	1	the	the	DET
fsr-3678	84	2	income	income	NOUN
fsr-3678	84	3	classes	class	NOUN
fsr-3678	84	4	were	be	AUX
fsr-3678	84	5	under	under	ADP
fsr-3678	84	6	$	$	SYM
fsr-3678	84	7	35,000	35,000	NUM
fsr-3678	84	8	,	,	PUNCT
fsr-3678	84	9	$	$	SYM
fsr-3678	84	10	35,000	35,000	NUM
fsr-3678	84	11	-	-	SYM
fsr-3678	84	12	70,000	70,000	NUM
fsr-3678	84	13	and	and	CCONJ
fsr-3678	84	14	over	over	ADP
fsr-3678	84	15	$	$	SYM
fsr-3678	84	16	70,000	70,000	NUM
fsr-3678	84	17	.	.	PUNCT
fsr-3678	85	1	the	the	DET
fsr-3678	85	2	net	net	ADJ
fsr-3678	85	3	worth	worth	ADJ
fsr-3678	85	4	classes	class	NOUN
fsr-3678	85	5	were	be	AUX
fsr-3678	85	6	under	under	ADP
fsr-3678	85	7	$	$	SYM
fsr-3678	85	8	100,000	100,000	NUM
fsr-3678	85	9	,	,	PUNCT
fsr-3678	85	10	$	$	SYM
fsr-3678	85	11	loo	loo	NOUN
fsr-3678	85	12	,	,	PUNCT
fsr-3678	85	13	ooo-300,000	ooo-300,000	ADJ
fsr-3678	85	14	and	and	CCONJ
fsr-3678	85	15	over	over	ADP
fsr-3678	85	16	$	$	SYM
fsr-3678	85	17	300,000	300,000	NUM
fsr-3678	85	18	.	.	PUNCT
fsr-3678	86	1	with	with	ADP
fsr-3678	86	2	respect	respect	NOUN
fsr-3678	86	3	to	to	ADP
fsr-3678	86	4	education	education	NOUN
fsr-3678	86	5	,	,	PUNCT
fsr-3678	86	6	there	there	PRON
fsr-3678	86	7	were	be	VERB
fsr-3678	86	8	three	three	NUM
fsr-3678	86	9	classes	class	NOUN
fsr-3678	86	10	.	.	PUNCT
fsr-3678	87	1	those	those	PRON
fsr-3678	87	2	who	who	PRON
fsr-3678	87	3	completed	complete	VERB
fsr-3678	87	4	college	college	NOUN
fsr-3678	87	5	,	,	PUNCT
fsr-3678	87	6	those	those	PRON
fsr-3678	87	7	who	who	PRON
fsr-3678	87	8	completed	complete	VERB
fsr-3678	87	9	high	high	ADJ
fsr-3678	87	10	school	school	NOUN
fsr-3678	87	11	and	and	CCONJ
fsr-3678	87	12	those	those	PRON
fsr-3678	87	13	who	who	PRON
fsr-3678	87	14	did	do	AUX
fsr-3678	87	15	not	not	PART
fsr-3678	87	16	complete	complete	VERB
fsr-3678	87	17	high	high	ADJ
fsr-3678	87	18	school	school	NOUN
fsr-3678	87	19	.	.	PUNCT
fsr-3678	88	1	since	since	SCONJ
fsr-3678	88	2	all	all	DET
fsr-3678	88	3	the	the	DET
fsr-3678	88	4	respondents	respondent	NOUN
fsr-3678	88	5	were	be	AUX
fsr-3678	88	6	either	either	CCONJ
fsr-3678	88	7	high	high	ADJ
fsr-3678	88	8	school	school	NOUN
fsr-3678	88	9	or	or	CCONJ
fsr-3678	88	10	college	college	NOUN
fsr-3678	88	11	graduates	graduate	NOUN
fsr-3678	88	12	,	,	PUNCT
fsr-3678	88	13	the	the	DET
fsr-3678	88	14	third	third	ADJ
fsr-3678	88	15	class	class	NOUN
fsr-3678	88	16	was	be	AUX
fsr-3678	88	17	dropped	drop	VERB
fsr-3678	88	18	.	.	PUNCT
fsr-3678	89	1	the	the	DET
fsr-3678	89	2	data	datum	NOUN
fsr-3678	89	3	for	for	ADP
fsr-3678	89	4	this	this	DET
fsr-3678	89	5	study	study	NOUN
fsr-3678	89	6	were	be	AUX
fsr-3678	89	7	collected	collect	VERB
fsr-3678	89	8	from	from	ADP
fsr-3678	89	9	a	a	DET
fsr-3678	89	10	limited	limited	ADJ
fsr-3678	89	11	regional	regional	ADJ
fsr-3678	89	12	survey	survey	NOUN
fsr-3678	89	13	of	of	ADP
fsr-3678	89	14	home	home	NOUN
fsr-3678	89	15	owners	owner	NOUN
fsr-3678	89	16	and	and	CCONJ
fsr-3678	89	17	potential	potential	ADJ
fsr-3678	89	18	home	home	NOUN
fsr-3678	89	19	owners	owner	NOUN
fsr-3678	89	20	in	in	ADP
fsr-3678	89	21	the	the	DET
fsr-3678	89	22	northern	northern	ADJ
fsr-3678	89	23	suburbs	suburb	NOUN
fsr-3678	89	24	of	of	ADP
fsr-3678	89	25	detroit	detroit	PROPN
fsr-3678	89	26	.	.	PUNCT
fsr-3678	90	1	first	first	ADV
fsr-3678	90	2	,	,	PUNCT
fsr-3678	90	3	zip	zip	NOUN
fsr-3678	90	4	codes	code	NOUN
fsr-3678	90	5	were	be	AUX
fsr-3678	90	6	selected	select	VERB
fsr-3678	90	7	randomly	randomly	ADV
fsr-3678	90	8	from	from	ADP
fsr-3678	90	9	a	a	DET
fsr-3678	90	10	list	list	NOUN
fsr-3678	90	11	of	of	ADP
fsr-3678	90	12	zip	zip	NOUN
fsr-3678	90	13	codes	code	NOUN
fsr-3678	90	14	for	for	ADP
fsr-3678	90	15	the	the	DET
fsr-3678	90	16	northern	northern	ADJ
fsr-3678	90	17	suburbs	suburb	NOUN
fsr-3678	90	18	of	of	ADP
fsr-3678	90	19	detroit	detroit	PROPN
fsr-3678	90	20	.	.	PUNCT
fsr-3678	91	1	second	second	ADJ
fsr-3678	91	2	,	,	PUNCT
fsr-3678	91	3	500	500	NUM
fsr-3678	91	4	addresses	address	NOUN
fsr-3678	91	5	were	be	AUX
fsr-3678	91	6	selected	select	VERB
fsr-3678	91	7	randomly	randomly	ADV
fsr-3678	91	8	from	from	ADP
fsr-3678	91	9	the	the	DET
fsr-3678	91	10	lists	list	NOUN
fsr-3678	91	11	of	of	ADP
fsr-3678	91	12	addresses	address	NOUN
fsr-3678	91	13	within	within	ADP
fsr-3678	91	14	the	the	DET
fsr-3678	91	15	zip	zip	NOUN
fsr-3678	91	16	codes	code	NOUN
fsr-3678	91	17	selected	select	VERB
fsr-3678	91	18	in	in	ADP
fsr-3678	91	19	the	the	DET
fsr-3678	91	20	first	first	ADJ
fsr-3678	91	21	stage	stage	NOUN
fsr-3678	91	22	.	.	PUNCT
fsr-3678	92	1	third	third	ADJ
fsr-3678	92	2	,	,	PUNCT
fsr-3678	92	3	the	the	DET
fsr-3678	92	4	home	home	NOUN
fsr-3678	92	5	owners	owner	NOUN
fsr-3678	92	6	or	or	CCONJ
fsr-3678	92	7	potential	potential	ADJ
fsr-3678	92	8	home	home	NOUN
fsr-3678	92	9	owners	owner	NOUN
fsr-3678	92	10	were	be	AUX
fsr-3678	92	11	asked	ask	VERB
fsr-3678	92	12	to	to	PART
fsr-3678	92	13	supply	supply	VERB
fsr-3678	92	14	demographic	demographic	ADJ
fsr-3678	92	15	data	datum	NOUN
fsr-3678	92	16	and	and	CCONJ
fsr-3678	92	17	to	to	PART
fsr-3678	92	18	indicate	indicate	VERB
fsr-3678	92	19	their	their	PRON
fsr-3678	92	20	choice	choice	NOUN
fsr-3678	92	21	between	between	ADP
fsr-3678	92	22	the	the	DET
fsr-3678	92	23	bpm	bpm	NOUN
fsr-3678	92	24	and	and	CCONJ
fsr-3678	92	25	mpm	mpm	NOUN
fsr-3678	92	26	.	.	PUNCT
fsr-3678	93	1	to	to	PART
fsr-3678	93	2	make	make	VERB
fsr-3678	93	3	sure	sure	ADJ
fsr-3678	93	4	that	that	SCONJ
fsr-3678	93	5	the	the	DET
fsr-3678	93	6	respondents	respondent	NOUN
fsr-3678	93	7	knew	know	VERB
fsr-3678	93	8	what	what	PRON
fsr-3678	93	9	the	the	DET
fsr-3678	93	10	bpm	bpm	NOUN
fsr-3678	93	11	was	be	AUX
fsr-3678	93	12	and	and	CCONJ
fsr-3678	93	13	how	how	SCONJ
fsr-3678	93	14	it	it	PRON
fsr-3678	93	15	differed	differ	VERB
fsr-3678	93	16	comparing	compare	VERB
fsr-3678	93	17	mortgages	mortgage	NOUN
fsr-3678	93	18	with	with	ADP
fsr-3678	93	19	different	different	ADJ
fsr-3678	93	20	payment	payment	NOUN
fsr-3678	93	21	frequencies	frequency	NOUN
fsr-3678	93	22	135	135	NUM
fsr-3678	93	23	table	table	NOUN
fsr-3678	93	24	1	1	NUM
fsr-3678	93	25	.	.	PUNCT
fsr-3678	94	1	summary	summary	NOUN
fsr-3678	94	2	of	of	ADP
fsr-3678	94	3	survey	survey	NOUN
fsr-3678	94	4	results	result	VERB
fsr-3678	94	5	payday	payday	NOUN
fsr-3678	94	6	frequency	frequency	NOUN
fsr-3678	94	7	:	:	PUNCT
fsr-3678	94	8	biweekly	biweekly	ADJ
fsr-3678	94	9	or	or	CCONJ
fsr-3678	94	10	weekly	weekly	ADJ
fsr-3678	94	11	:	:	PUNCT
fsr-3678	94	12	65	65	NUM
fsr-3678	94	13	monthly	monthly	ADJ
fsr-3678	94	14	:	:	PUNCT
fsr-3678	94	15	19	19	NUM
fsr-3678	94	16	income	income	NOUN
fsr-3678	94	17	:	:	PUNCT
fsr-3678	94	18	less	less	ADJ
fsr-3678	94	19	than	than	ADP
fsr-3678	94	20	$	$	SYM
fsr-3678	94	21	35,000	35,000	NUM
fsr-3678	94	22	per	per	ADP
fsr-3678	94	23	year	year	NOUN
fsr-3678	94	24	6	6	NUM
fsr-3678	94	25	between	between	ADP
fsr-3678	94	26	$	$	SYM
fsr-3678	94	27	35,000	35,000	NUM
fsr-3678	94	28	&	&	CCONJ
fsr-3678	94	29	$	$	SYM
fsr-3678	94	30	70,000	70,000	NUM
fsr-3678	94	31	31	31	NUM
fsr-3678	94	32	over	over	ADP
fsr-3678	94	33	$	$	SYM
fsr-3678	94	34	70,000	70,000	NUM
fsr-3678	94	35	47	47	NUM
fsr-3678	94	36	education	education	NOUN
fsr-3678	94	37	:	:	PUNCT
fsr-3678	94	38	less	less	ADJ
fsr-3678	94	39	than	than	ADP
fsr-3678	94	40	cdllege	cdllege	VERB
fsr-3678	94	41	10	10	NUM
fsr-3678	94	42	college	college	NOUN
fsr-3678	94	43	completed	complete	VERB
fsr-3678	94	44	74	74	NUM
fsr-3678	94	45	net	net	ADJ
fsr-3678	94	46	worth	worth	NOUN
fsr-3678	94	47	:	:	PUNCT
fsr-3678	94	48	less	less	ADJ
fsr-3678	94	49	than	than	ADP
fsr-3678	94	50	$	$	SYM
fsr-3678	94	51	100,000	100,000	NUM
fsr-3678	94	52	between	between	ADP
fsr-3678	94	53	$	$	SYM
fsr-3678	94	54	100,000	100,000	NUM
fsr-3678	94	55	&	&	CCONJ
fsr-3678	94	56	$	$	SYM
fsr-3678	94	57	300,000	300,000	NUM
fsr-3678	94	58	over	over	ADP
fsr-3678	94	59	$	$	SYM
fsr-3678	94	60	300,000	300,000	NUM
fsr-3678	94	61	11	11	NUM
fsr-3678	94	62	22	22	NUM
fsr-3678	94	63	51	51	NUM
fsr-3678	94	64	marital	marital	ADJ
fsr-3678	94	65	status	status	NOUN
fsr-3678	94	66	:	:	PUNCT
fsr-3678	94	67	married	marry	VERB
fsr-3678	94	68	69	69	NUM
fsr-3678	94	69	single	single	ADJ
fsr-3678	94	70	,	,	PUNCT
fsr-3678	94	71	divorced	divorced	ADJ
fsr-3678	94	72	or	or	CCONJ
fsr-3678	94	73	widowed	widow	VERB
fsr-3678	94	74	15	15	NUM
fsr-3678	94	75	age	age	NOUN
fsr-3678	94	76	:	:	PUNCT
fsr-3678	94	77	highest	high	ADJ
fsr-3678	94	78	86	86	NUM
fsr-3678	94	79	lowest	low	ADJ
fsr-3678	94	80	24	24	NUM
fsr-3678	94	81	average	average	ADJ
fsr-3678	94	82	49	49	NUM
fsr-3678	94	83	standard	standard	ADJ
fsr-3678	94	84	deviation	deviation	NOUN
fsr-3678	94	85	13	13	NUM
fsr-3678	94	86	from	from	ADP
fsr-3678	94	87	the	the	DET
fsr-3678	94	88	mpm	mpm	NOUN
fsr-3678	94	89	,	,	PUNCT
fsr-3678	94	90	a	a	DET
fsr-3678	94	91	description	description	NOUN
fsr-3678	94	92	of	of	ADP
fsr-3678	94	93	the	the	DET
fsr-3678	94	94	bpm	bpm	NOUN
fsr-3678	94	95	,	,	PUNCT
fsr-3678	94	96	the	the	DET
fsr-3678	94	97	differences	difference	NOUN
fsr-3678	94	98	between	between	ADP
fsr-3678	94	99	the	the	DET
fsr-3678	94	100	two	two	NUM
fsr-3678	94	101	types	type	NOUN
fsr-3678	94	102	of	of	ADP
fsr-3678	94	103	mortgages	mortgage	NOUN
fsr-3678	94	104	and	and	CCONJ
fsr-3678	94	105	a	a	DET
fsr-3678	94	106	numerical	numerical	ADJ
fsr-3678	94	107	example	example	NOUN
fsr-3678	94	108	were	be	AUX
fsr-3678	94	109	sent	send	VERB
fsr-3678	94	110	along	along	ADP
fsr-3678	94	111	with	with	ADP
fsr-3678	94	112	the	the	DET
fsr-3678	94	113	survey	survey	NOUN
fsr-3678	94	114	form	form	NOUN
fsr-3678	94	115	to	to	ADP
fsr-3678	94	116	the	the	DET
fsr-3678	94	117	home	home	NOUN
fsr-3678	94	118	owners	owner	NOUN
fsr-3678	94	119	or	or	CCONJ
fsr-3678	94	120	potential	potential	ADJ
fsr-3678	94	121	home	home	NOUN
fsr-3678	94	122	owners	owner	NOUN
fsr-3678	94	123	.	.	PUNCT
fsr-3678	95	1	a	a	DET
fsr-3678	95	2	copy	copy	NOUN
fsr-3678	95	3	of	of	ADP
fsr-3678	95	4	the	the	DET
fsr-3678	95	5	description	description	NOUN
fsr-3678	95	6	is	be	AUX
fsr-3678	95	7	attached	attach	VERB
fsr-3678	95	8	to	to	ADP
fsr-3678	95	9	the	the	DET
fsr-3678	95	10	manuscript	manuscript	NOUN
fsr-3678	95	11	.	.	PUNCT
fsr-3678	96	1	also	also	ADV
fsr-3678	96	2	,	,	PUNCT
fsr-3678	96	3	in	in	ADP
fsr-3678	96	4	order	order	NOUN
fsr-3678	96	5	to	to	PART
fsr-3678	96	6	increase	increase	VERB
fsr-3678	96	7	the	the	DET
fsr-3678	96	8	response	response	NOUN
fsr-3678	96	9	rate	rate	NOUN
fsr-3678	96	10	,	,	PUNCT
fsr-3678	96	11	the	the	DET
fsr-3678	96	12	subjects	subject	NOUN
fsr-3678	96	13	selected	select	VERB
fsr-3678	96	14	for	for	ADP
fsr-3678	96	15	the	the	DET
fsr-3678	96	16	survey	survey	NOUN
fsr-3678	96	17	were	be	AUX
fsr-3678	96	18	offered	offer	VERB
fsr-3678	96	19	a	a	DET
fsr-3678	96	20	free	free	ADJ
fsr-3678	96	21	evaluation	evaluation	NOUN
fsr-3678	96	22	of	of	ADP
fsr-3678	96	23	alternative	alternative	ADJ
fsr-3678	96	24	mortgage	mortgage	NOUN
fsr-3678	96	25	prepayment	prepayment	NOUN
fsr-3678	96	26	plans	plan	NOUN
fsr-3678	96	27	.	.	PUNCT
fsr-3678	97	1	the	the	DET
fsr-3678	97	2	evaluation	evaluation	NOUN
fsr-3678	97	3	involved	involve	VERB
fsr-3678	97	4	the	the	DET
fsr-3678	97	5	determination	determination	NOUN
fsr-3678	97	6	of	of	ADP
fsr-3678	97	7	the	the	DET
fsr-3678	97	8	effects	effect	NOUN
fsr-3678	97	9	of	of	ADP
fsr-3678	97	10	various	various	ADJ
fsr-3678	97	11	prepayment	prepayment	NOUN
fsr-3678	97	12	plans	plan	NOUN
fsr-3678	97	13	on	on	ADP
fsr-3678	97	14	the	the	DET
fsr-3678	97	15	total	total	ADJ
fsr-3678	97	16	interest	interest	NOUN
fsr-3678	97	17	costs	cost	NOUN
fsr-3678	97	18	and	and	CCONJ
fsr-3678	97	19	the	the	DET
fsr-3678	97	20	terms	term	NOUN
fsr-3678	97	21	of	of	ADP
fsr-3678	97	22	specific	specific	ADJ
fsr-3678	97	23	mortgages	mortgage	NOUN
fsr-3678	97	24	.	.	PUNCT
fsr-3678	98	1	of	of	ADP
fsr-3678	98	2	the	the	DET
fsr-3678	98	3	84	84	NUM
fsr-3678	98	4	respondents	respondent	NOUN
fsr-3678	98	5	,	,	PUNCT
fsr-3678	98	6	58	58	NUM
fsr-3678	98	7	%	%	NOUN
fsr-3678	98	8	selected	select	VERB
fsr-3678	98	9	the	the	DET
fsr-3678	98	10	bpm	bpm	NOUN
fsr-3678	98	11	and	and	CCONJ
fsr-3678	98	12	42	42	NUM
fsr-3678	98	13	%	%	NOUN
fsr-3678	98	14	selected	select	VERB
fsr-3678	98	15	the	the	DET
fsr-3678	98	16	mpm	mpm	NOUN
fsr-3678	98	17	.	.	PUNCT
fsr-3678	99	1	seventy	seventy	NUM
fsr-3678	99	2	seven	seven	NUM
fsr-3678	99	3	percent	percent	NOUN
fsr-3678	99	4	were	be	AUX
fsr-3678	99	5	paid	pay	VERB
fsr-3678	99	6	biweekly	biweekly	ADJ
fsr-3678	99	7	or	or	CCONJ
fsr-3678	99	8	weekly	weekly	ADJ
fsr-3678	99	9	and	and	CCONJ
fsr-3678	99	10	only	only	ADV
fsr-3678	99	11	23	23	NUM
fsr-3678	99	12	%	%	NOUN
fsr-3678	99	13	were	be	AUX
fsr-3678	99	14	paid	pay	VERB
fsr-3678	99	15	monthly	monthly	ADV
fsr-3678	99	16	.	.	PUNCT
fsr-3678	100	1	eighty	eighty	NUM
fsr-3678	100	2	-	-	PUNCT
fsr-3678	100	3	two	two	NUM
fsr-3678	100	4	percent	percent	NOUN
fsr-3678	100	5	were	be	AUX
fsr-3678	100	6	married	married	ADJ
fsr-3678	100	7	and	and	CCONJ
fsr-3678	100	8	the	the	DET
fsr-3678	100	9	ages	age	NOUN
fsr-3678	100	10	ranged	range	VERB
fsr-3678	100	11	from	from	ADP
fsr-3678	100	12	24	24	NUM
fsr-3678	100	13	to	to	ADP
fsr-3678	100	14	86	86	NUM
fsr-3678	100	15	,	,	PUNCT
fsr-3678	100	16	with	with	ADP
fsr-3678	100	17	an	an	DET
fsr-3678	100	18	average	average	NOUN
fsr-3678	100	19	of	of	ADP
fsr-3678	100	20	49	49	NUM
fsr-3678	100	21	.	.	PUNCT
fsr-3678	101	1	most	most	ADJ
fsr-3678	101	2	of	of	ADP
fsr-3678	101	3	the	the	DET
fsr-3678	101	4	respondents	respondent	NOUN
fsr-3678	101	5	were	be	AUX
fsr-3678	101	6	college	college	NOUN
fsr-3678	101	7	educated	educate	VERB
fsr-3678	101	8	and	and	CCONJ
fsr-3678	101	9	they	they	PRON
fsr-3678	101	10	were	be	AUX
fsr-3678	101	11	in	in	ADP
fsr-3678	101	12	the	the	DET
fsr-3678	101	13	high	high	ADJ
fsr-3678	101	14	income	income	NOUN
fsr-3678	101	15	and	and	CCONJ
fsr-3678	101	16	high	high	ADJ
fsr-3678	101	17	net	net	ADJ
fsr-3678	101	18	worth	worth	ADJ
fsr-3678	101	19	categories	category	NOUN
fsr-3678	101	20	.	.	PUNCT
fsr-3678	102	1	the	the	DET
fsr-3678	102	2	results	result	NOUN
fsr-3678	102	3	of	of	ADP
fsr-3678	102	4	the	the	DET
fsr-3678	102	5	survey	survey	NOUN
fsr-3678	102	6	are	be	AUX
fsr-3678	102	7	summa	summa	ADJ
fsr-3678	102	8	rized	rize	VERB
fsr-3678	102	9	in	in	ADP
fsr-3678	102	10	table	table	NOUN
fsr-3678	102	11	1	1	NUM
fsr-3678	102	12	.	.	PUNCT
fsr-3678	102	13	before	before	ADP
fsr-3678	102	14	running	run	VERB
fsr-3678	102	15	the	the	DET
fsr-3678	102	16	logistic	logistic	ADJ
fsr-3678	102	17	regression	regression	NOUN
fsr-3678	102	18	,	,	PUNCT
fsr-3678	102	19	we	we	PRON
fsr-3678	102	20	constructed	construct	VERB
fsr-3678	102	21	2	2	NUM
fsr-3678	102	22	x	x	SYM
fsr-3678	102	23	2	2	NUM
fsr-3678	102	24	tables	table	NOUN
fsr-3678	102	25	to	to	PART
fsr-3678	102	26	see	see	VERB
fsr-3678	102	27	if	if	SCONJ
fsr-3678	102	28	there	there	PRON
fsr-3678	102	29	is	be	VERB
fsr-3678	102	30	any	any	DET
fsr-3678	102	31	discernible	discernible	ADJ
fsr-3678	102	32	association	association	NOUN
fsr-3678	102	33	between	between	ADP
fsr-3678	102	34	the	the	DET
fsr-3678	102	35	dependent	dependent	ADJ
fsr-3678	102	36	variable	variable	NOUN
fsr-3678	102	37	and	and	CCONJ
fsr-3678	102	38	each	each	PRON
fsr-3678	102	39	of	of	ADP
fsr-3678	102	40	the	the	DET
fsr-3678	102	41	independent	independent	ADJ
fsr-3678	102	42	variables	variable	NOUN
fsr-3678	102	43	,	,	PUNCT
fsr-3678	102	44	except	except	SCONJ
fsr-3678	102	45	age	age	NOUN
fsr-3678	102	46	.	.	PUNCT
fsr-3678	103	1	the	the	DET
fsr-3678	103	2	two	two	NUM
fsr-3678	103	3	-	-	PUNCT
fsr-3678	103	4	by	by	ADP
fsr-3678	103	5	-	-	PUNCT
fsr-3678	103	6	two	two	NUM
fsr-3678	103	7	tables	table	NOUN
fsr-3678	103	8	are	be	AUX
fsr-3678	103	9	shown	show	VERB
fsr-3678	103	10	in	in	ADP
fsr-3678	103	11	table	table	NOUN
fsr-3678	103	12	2	2	NUM
fsr-3678	103	13	.	.	PUNCT
fsr-3678	104	1	the	the	DET
fsr-3678	104	2	odds	odd	NOUN
fsr-3678	104	3	ratios	ratio	NOUN
fsr-3678	104	4	were	be	AUX
fsr-3678	104	5	computed	compute	VERB
fsr-3678	104	6	for	for	ADP
fsr-3678	104	7	each	each	PRON
fsr-3678	104	8	of	of	ADP
fsr-3678	104	9	the	the	DET
fsr-3678	104	10	2	2	NUM
fsr-3678	104	11	x	x	SYM
fsr-3678	104	12	2	2	NUM
fsr-3678	104	13	tables	table	NOUN
fsr-3678	104	14	.	.	PUNCT
fsr-3678	105	1	136	136	NUM
fsr-3678	105	2	financial	financial	ADJ
fsr-3678	105	3	services	service	NOUN
fsr-3678	105	4	review	review	NOUN
fsr-3678	105	5	,	,	PUNCT
fsr-3678	105	6	l(2	l(2	PROPN
fsr-3678	105	7	)	)	PUNCT
fsr-3678	105	8	1991	1991	NUM
fsr-3678	105	9	table	table	NOUN
fsr-3678	105	10	2	2	NUM
fsr-3678	105	11	.	.	NUM
fsr-3678	105	12	two	two	NUM
fsr-3678	105	13	by	by	ADP
fsr-3678	105	14	two	two	NUM
fsr-3678	105	15	tables	table	NOUN
fsr-3678	105	16	mortgage	mortgage	NOUN
fsr-3678	105	17	type	type	NOUN
fsr-3678	105	18	mpm	mpm	NOUN
fsr-3678	105	19	bpm	bpm	NOUN
fsr-3678	105	20	mortgage	mortgage	NOUN
fsr-3678	105	21	type	type	NOUN
fsr-3678	105	22	mpm	mpm	NOUN
fsr-3678	105	23	bpm	bpm	NOUN
fsr-3678	105	24	mortgage	mortgage	NOUN
fsr-3678	105	25	type	type	NOUN
fsr-3678	105	26	mpm	mpm	NOUN
fsr-3678	105	27	bpm	bpm	NOUN
fsr-3678	105	28	mortgage	mortgage	NOUN
fsr-3678	105	29	type	type	NOUN
fsr-3678	105	30	mpm	mpm	NOUN
fsr-3678	105	31	bpm	bpm	NOUN
fsr-3678	105	32	odds	odd	NOUN
fsr-3678	105	33	ratios	ratio	NOUN
fsr-3678	105	34	mortgage	mortgage	NOUN
fsr-3678	105	35	type	type	NOUN
fsr-3678	105	36	mpm	mpm	NOUN
fsr-3678	105	37	bpm	bpm	NOUN
fsr-3678	105	38	odds	odd	NOUN
fsr-3678	105	39	ratios	ratio	NOUN
fsr-3678	105	40	payday	payday	NOUN
fsr-3678	105	41	frequency	frequency	NOUN
fsr-3678	105	42	monthly	monthly	ADJ
fsr-3678	105	43	biweekly	biweekly	ADJ
fsr-3678	105	44	or	or	CCONJ
fsr-3678	105	45	weekly	weekly	ADJ
fsr-3678	105	46	odds	odd	NOUN
fsr-3678	105	47	ratio	ratio	NOUN
fsr-3678	105	48	12	12	NUM
fsr-3678	105	49	23	23	NUM
fsr-3678	105	50	3.31	3.31	NUM
fsr-3678	106	1	i	i	PRON
fsr-3678	106	2	42	42	NUM
fsr-3678	106	3	marital	marital	ADJ
fsr-3678	106	4	status	status	NOUN
fsr-3678	106	5	single	single	ADJ
fsr-3678	106	6	married	married	ADJ
fsr-3678	106	7	odds	odd	NOUN
fsr-3678	106	8	ratio	ratio	NOUN
fsr-3678	106	9	8	8	NUM
fsr-3678	106	10	27	27	NUM
fsr-3678	106	11	1	1	NUM
fsr-3678	106	12	.i8	.i8	PUNCT
fsr-3678	107	1	i	i	PRON
fsr-3678	107	2	42	42	NUM
fsr-3678	107	3	education	education	NOUN
fsr-3678	107	4	less	less	ADJ
fsr-3678	107	5	than	than	ADP
fsr-3678	107	6	college	college	NOUN
fsr-3678	107	7	college	college	NOUN
fsr-3678	107	8	completed	complete	VERB
fsr-3678	107	9	odds	odd	NOUN
fsr-3678	107	10	ratio	ratio	NOUN
fsr-3678	107	11	2	2	NUM
fsr-3678	107	12	33	33	NUM
fsr-3678	107	13	0.27	0.27	NUM
fsr-3678	107	14	9	9	NUM
fsr-3678	107	15	40	40	NUM
fsr-3678	107	16	low	low	ADJ
fsr-3678	107	17	net	net	ADJ
fsr-3678	107	18	worth	worth	ADJ
fsr-3678	107	19	medium	medium	ADJ
fsr-3678	107	20	high	high	ADJ
fsr-3678	107	21	high	high	ADJ
fsr-3678	107	22	/	/	SYM
fsr-3678	107	23	medium	medium	NOUN
fsr-3678	107	24	0.64	0.64	NUM
fsr-3678	107	25	3	3	NUM
fsr-3678	107	26	8	8	NUM
fsr-3678	107	27	24	24	NUM
fsr-3678	107	28	8	8	NUM
fsr-3678	107	29	14	14	NUM
fsr-3678	107	30	27	27	NUM
fsr-3678	107	31	medium	medium	ADJ
fsr-3678	107	32	/	/	SYM
fsr-3678	107	33	law	law	NOUN
fsr-3678	107	34	high	high	ADJ
fsr-3678	107	35	/	/	SYM
fsr-3678	107	36	law	law	NOUN
fsr-3678	107	37	0.66	0.66	NUM
fsr-3678	107	38	0.42	0.42	NUM
fsr-3678	107	39	income	income	NOUN
fsr-3678	107	40	low	low	ADJ
fsr-3678	107	41	medium	medium	ADJ
fsr-3678	107	42	high	high	ADJ
fsr-3678	107	43	2	2	NUM
fsr-3678	107	44	10	10	NUM
fsr-3678	107	45	22	22	NUM
fsr-3678	107	46	4	4	NUM
fsr-3678	107	47	21	21	NUM
fsr-3678	107	48	24	24	NUM
fsr-3678	107	49	medium	medium	ADJ
fsr-3678	107	50	/	/	SYM
fsr-3678	107	51	law	law	NOUN
fsr-3678	107	52	high	high	ADJ
fsr-3678	107	53	/	/	SYM
fsr-3678	107	54	law	law	NOUN
fsr-3678	107	55	high	high	ADJ
fsr-3678	107	56	/	/	SYM
fsr-3678	107	57	medium	medium	NOUN
fsr-3678	107	58	1.05	1.05	NUM
fsr-3678	107	59	0.55	0.55	NUM
fsr-3678	107	60	0.52	0.52	NUM
fsr-3678	107	61	notes	note	NOUN
fsr-3678	107	62	:	:	PUNCT
fsr-3678	107	63	mpm	mpm	NOUN
fsr-3678	107	64	=	=	SYM
fsr-3678	107	65	monthly	monthly	ADJ
fsr-3678	107	66	-	-	PUNCT
fsr-3678	107	67	payment	payment	NOUN
fsr-3678	107	68	mortgage	mortgage	NOUN
fsr-3678	107	69	bpm	bpm	NOUN
fsr-3678	107	70	=	=	NOUN
fsr-3678	107	71	biweekly	biweekly	ADJ
fsr-3678	107	72	-	-	PUNCT
fsr-3678	107	73	payment	payment	NOUN
fsr-3678	107	74	mortgage	mortgage	NOUN
fsr-3678	107	75	based	base	VERB
fsr-3678	107	76	on	on	ADP
fsr-3678	107	77	the	the	DET
fsr-3678	107	78	2	2	NUM
fsr-3678	107	79	x	x	SYM
fsr-3678	107	80	2	2	NUM
fsr-3678	107	81	tables	table	NOUN
fsr-3678	107	82	and	and	CCONJ
fsr-3678	107	83	the	the	DET
fsr-3678	107	84	odds	odd	NOUN
fsr-3678	107	85	ratios	ratio	NOUN
fsr-3678	107	86	,	,	PUNCT
fsr-3678	107	87	only	only	ADV
fsr-3678	107	88	two	two	NUM
fsr-3678	107	89	of	of	ADP
fsr-3678	107	90	the	the	DET
fsr-3678	107	91	independent	independent	ADJ
fsr-3678	107	92	variables	variable	NOUN
fsr-3678	107	93	seemed	seem	VERB
fsr-3678	107	94	to	to	PART
fsr-3678	107	95	be	be	AUX
fsr-3678	107	96	strongly	strongly	ADV
fsr-3678	107	97	associated	associate	VERB
fsr-3678	107	98	with	with	ADP
fsr-3678	107	99	mortgage	mortgage	NOUN
fsr-3678	107	100	choice	choice	NOUN
fsr-3678	107	101	.	.	PUNCT
fsr-3678	108	1	the	the	DET
fsr-3678	108	2	first	first	ADJ
fsr-3678	108	3	one	one	NUM
fsr-3678	108	4	was	be	AUX
fsr-3678	108	5	the	the	DET
fsr-3678	108	6	frequency	frequency	NOUN
fsr-3678	108	7	of	of	ADP
fsr-3678	108	8	paydays	payday	NOUN
fsr-3678	108	9	.	.	PUNCT
fsr-3678	109	1	the	the	DET
fsr-3678	109	2	odds	odd	NOUN
fsr-3678	109	3	ratio	ratio	NOUN
fsr-3678	109	4	was	be	AUX
fsr-3678	109	5	3.3	3.3	NUM
fsr-3678	109	6	1	1	NUM
fsr-3678	109	7	.	.	PUNCT
fsr-3678	110	1	home	home	NOUN
fsr-3678	110	2	owners	owner	NOUN
fsr-3678	110	3	that	that	PRON
fsr-3678	110	4	were	be	AUX
fsr-3678	110	5	paid	pay	VERB
fsr-3678	110	6	biweekly	biweekly	ADV
fsr-3678	110	7	or	or	CCONJ
fsr-3678	110	8	weekly	weekly	ADJ
fsr-3678	110	9	tended	tend	VERB
fsr-3678	110	10	to	to	PART
fsr-3678	110	11	prefer	prefer	VERB
fsr-3678	110	12	the	the	DET
fsr-3678	110	13	biweekly	biweekly	ADJ
fsr-3678	110	14	payment	payment	NOUN
fsr-3678	110	15	mortgage	mortgage	NOUN
fsr-3678	110	16	.	.	PUNCT
fsr-3678	111	1	the	the	DET
fsr-3678	111	2	second	second	ADJ
fsr-3678	111	3	important	important	ADJ
fsr-3678	111	4	independent	independent	ADJ
fsr-3678	111	5	variable	variable	NOUN
fsr-3678	111	6	was	be	AUX
fsr-3678	111	7	education	education	NOUN
fsr-3678	111	8	.	.	PUNCT
fsr-3678	112	1	the	the	DET
fsr-3678	112	2	odds	odd	NOUN
fsr-3678	112	3	ratio	ratio	NOUN
fsr-3678	112	4	was	be	AUX
fsr-3678	112	5	0.27	0.27	NUM
fsr-3678	112	6	.	.	PUNCT
fsr-3678	113	1	the	the	DET
fsr-3678	113	2	group	group	NOUN
fsr-3678	113	3	with	with	ADP
fsr-3678	113	4	a	a	DET
fsr-3678	113	5	higher	high	ADJ
fsr-3678	113	6	education	education	NOUN
fsr-3678	113	7	had	have	VERB
fsr-3678	113	8	greater	great	ADJ
fsr-3678	113	9	relative	relative	ADJ
fsr-3678	113	10	preference	preference	NOUN
fsr-3678	113	11	for	for	ADP
fsr-3678	113	12	the	the	DET
fsr-3678	113	13	mpm	mpm	NOUN
fsr-3678	113	14	.	.	PUNCT
fsr-3678	114	1	there	there	PRON
fsr-3678	114	2	seems	seem	VERB
fsr-3678	114	3	to	to	PART
fsr-3678	114	4	be	be	AUX
fsr-3678	114	5	some	some	DET
fsr-3678	114	6	association	association	NOUN
fsr-3678	114	7	between	between	ADP
fsr-3678	114	8	mortgage	mortgage	NOUN
fsr-3678	114	9	choice	choice	NOUN
fsr-3678	114	10	and	and	CCONJ
fsr-3678	114	11	the	the	DET
fsr-3678	114	12	other	other	ADJ
fsr-3678	114	13	variables	variable	NOUN
fsr-3678	114	14	,	,	PUNCT
fsr-3678	114	15	too	too	ADV
fsr-3678	114	16	,	,	PUNCT
fsr-3678	114	17	but	but	CCONJ
fsr-3678	114	18	the	the	DET
fsr-3678	114	19	association	association	NOUN
fsr-3678	114	20	does	do	AUX
fsr-3678	114	21	not	not	PART
fsr-3678	114	22	seem	seem	VERB
fsr-3678	114	23	to	to	PART
fsr-3678	114	24	be	be	AUX
fsr-3678	114	25	as	as	ADV
fsr-3678	114	26	strong	strong	ADJ
fsr-3678	114	27	as	as	SCONJ
fsr-3678	114	28	it	it	PRON
fsr-3678	114	29	is	be	AUX
fsr-3678	114	30	with	with	ADP
fsr-3678	114	31	the	the	DET
fsr-3678	114	32	payday	payday	NOUN
fsr-3678	114	33	frequency	frequency	NOUN
fsr-3678	114	34	and	and	CCONJ
fsr-3678	114	35	education	education	NOUN
fsr-3678	114	36	.	.	PUNCT
fsr-3678	115	1	comparing	compare	VERB
fsr-3678	115	2	mortgages	mortgage	NOUN
fsr-3678	115	3	with	with	ADP
fsr-3678	115	4	different	different	ADJ
fsr-3678	115	5	payment	payment	NOUN
fsr-3678	115	6	frequencies	frequency	NOUN
fsr-3678	115	7	137	137	NUM
fsr-3678	115	8	the	the	DET
fsr-3678	115	9	statistical	statistical	ADJ
fsr-3678	115	10	analysis	analysis	NOUN
fsr-3678	115	11	system	system	NOUN
fsr-3678	115	12	(	(	PUNCT
fsr-3678	115	13	sas	sas	PROPN
fsr-3678	115	14	)	)	PUNCT
fsr-3678	115	15	was	be	AUX
fsr-3678	115	16	used	use	VERB
fsr-3678	115	17	to	to	PART
fsr-3678	115	18	estimate	estimate	VERB
fsr-3678	115	19	the	the	DET
fsr-3678	115	20	full	full	ADJ
fsr-3678	115	21	model	model	NOUN
fsr-3678	115	22	,	,	PUNCT
fsr-3678	115	23	with	with	SCONJ
fsr-3678	115	24	all	all	DET
fsr-3678	115	25	the	the	DET
fsr-3678	115	26	independent	independent	ADJ
fsr-3678	115	27	variables	variable	NOUN
fsr-3678	115	28	included	include	VERB
fsr-3678	115	29	.	.	PUNCT
fsr-3678	116	1	the	the	DET
fsr-3678	116	2	estimated	estimate	VERB
fsr-3678	116	3	values	value	NOUN
fsr-3678	116	4	for	for	ADP
fsr-3678	116	5	the	the	DET
fsr-3678	116	6	full	full	ADJ
fsr-3678	116	7	model	model	NOUN
fsr-3678	116	8	are	be	AUX
fsr-3678	116	9	reported	report	VERB
fsr-3678	116	10	in	in	ADP
fsr-3678	116	11	table	table	NOUN
fsr-3678	116	12	3	3	NUM
fsr-3678	116	13	.	.	PUNCT
fsr-3678	117	1	for	for	ADP
fsr-3678	117	2	large	large	ADJ
fsr-3678	117	3	samples	sample	NOUN
fsr-3678	117	4	,	,	PUNCT
fsr-3678	117	5	the	the	DET
fsr-3678	117	6	maximum	maximum	ADJ
fsr-3678	117	7	likelihood	likelihood	NOUN
fsr-3678	117	8	estimators	estimator	NOUN
fsr-3678	117	9	are	be	AUX
fsr-3678	117	10	distributed	distribute	VERB
fsr-3678	117	11	approximately	approximately	ADV
fsr-3678	117	12	normal	normal	ADJ
fsr-3678	117	13	.	.	PUNCT
fsr-3678	118	1	for	for	ADP
fsr-3678	118	2	this	this	DET
fsr-3678	118	3	reason	reason	NOUN
fsr-3678	118	4	,	,	PUNCT
fsr-3678	118	5	the	the	DET
fsr-3678	118	6	usual	usual	ADJ
fsr-3678	118	7	z	z	NOUN
fsr-3678	118	8	tests	test	NOUN
fsr-3678	118	9	apply	apply	VERB
fsr-3678	118	10	.	.	PUNCT
fsr-3678	119	1	at	at	ADP
fsr-3678	119	2	a	a	DET
fsr-3678	119	3	significance	significance	NOUN
fsr-3678	119	4	level	level	NOUN
fsr-3678	119	5	of	of	ADP
fsr-3678	119	6	10	10	NUM
fsr-3678	119	7	%	%	NOUN
fsr-3678	119	8	,	,	PUNCT
fsr-3678	119	9	the	the	DET
fsr-3678	119	10	coefficients	coefficient	NOUN
fsr-3678	119	11	of	of	ADP
fsr-3678	119	12	the	the	DET
fsr-3678	119	13	payday	payday	NOUN
fsr-3678	119	14	frequency	frequency	NOUN
fsr-3678	119	15	and	and	CCONJ
fsr-3678	119	16	income	income	NOUN
fsr-3678	119	17	1	1	NUM
fsr-3678	119	18	(	(	PUNCT
fsr-3678	119	19	a	a	DET
fsr-3678	119	20	dummy	dummy	ADJ
fsr-3678	119	21	variable	variable	NOUN
fsr-3678	119	22	for	for	ADP
fsr-3678	119	23	the	the	DET
fsr-3678	119	24	medium	medium	ADJ
fsr-3678	119	25	income	income	NOUN
fsr-3678	119	26	category	category	NOUN
fsr-3678	119	27	)	)	PUNCT
fsr-3678	119	28	are	be	AUX
fsr-3678	119	29	significantly	significantly	ADV
fsr-3678	119	30	different	different	ADJ
fsr-3678	119	31	from	from	ADP
fsr-3678	119	32	zero	zero	NUM
fsr-3678	119	33	.	.	PUNCT
fsr-3678	120	1	also	also	ADV
fsr-3678	120	2	the	the	DET
fsr-3678	120	3	coefficient	coefficient	NOUN
fsr-3678	120	4	of	of	ADP
fsr-3678	120	5	the	the	DET
fsr-3678	120	6	payday	payday	NOUN
fsr-3678	120	7	frequency	frequency	NOUN
fsr-3678	120	8	has	have	VERB
fsr-3678	120	9	the	the	DET
fsr-3678	120	10	expected	expect	VERB
fsr-3678	120	11	sign	sign	NOUN
fsr-3678	120	12	.	.	PUNCT
fsr-3678	121	1	however	however	ADV
fsr-3678	121	2	,	,	PUNCT
fsr-3678	121	3	none	none	NOUN
fsr-3678	121	4	of	of	ADP
fsr-3678	121	5	the	the	DET
fsr-3678	121	6	coefficients	coefficient	NOUN
fsr-3678	121	7	is	be	AUX
fsr-3678	121	8	statistically	statistically	ADV
fsr-3678	121	9	significant	significant	ADJ
fsr-3678	121	10	at	at	ADP
fsr-3678	121	11	the	the	DET
fsr-3678	121	12	5	5	NUM
fsr-3678	121	13	%	%	NOUN
fsr-3678	121	14	level	level	NOUN
fsr-3678	121	15	of	of	ADP
fsr-3678	121	16	significance	significance	NOUN
fsr-3678	121	17	.	.	PUNCT
fsr-3678	122	1	thus	thus	ADV
fsr-3678	122	2	,	,	PUNCT
fsr-3678	122	3	home	home	NOUN
fsr-3678	122	4	owners	owner	NOUN
fsr-3678	122	5	with	with	ADP
fsr-3678	122	6	medium	medium	ADJ
fsr-3678	122	7	income	income	NOUN
fsr-3678	122	8	and	and	CCONJ
fsr-3678	122	9	those	those	PRON
fsr-3678	122	10	who	who	PRON
fsr-3678	122	11	are	be	AUX
fsr-3678	122	12	paid	pay	VERB
fsr-3678	122	13	weekly	weekly	ADV
fsr-3678	122	14	or	or	CCONJ
fsr-3678	122	15	biweekly	biweekly	NOUN
fsr-3678	122	16	seem	seem	VERB
fsr-3678	122	17	to	to	PART
fsr-3678	122	18	favor	favor	VERB
fsr-3678	122	19	the	the	DET
fsr-3678	122	20	biweekly	biweekly	ADJ
fsr-3678	122	21	-	-	PUNCT
fsr-3678	122	22	payment	payment	NOUN
fsr-3678	122	23	mortgage	mortgage	NOUN
fsr-3678	122	24	.	.	PUNCT
fsr-3678	123	1	table	table	NOUN
fsr-3678	123	2	3	3	NUM
fsr-3678	123	3	.	.	PUNCT
fsr-3678	123	4	estimated	estimate	VERB
fsr-3678	123	5	values	value	NOUN
fsr-3678	123	6	of	of	ADP
fsr-3678	123	7	the	the	DET
fsr-3678	123	8	full	full	ADJ
fsr-3678	123	9	logistic	logistic	ADJ
fsr-3678	123	10	regression	regression	NOUN
fsr-3678	123	11	model	model	NOUN
fsr-3678	123	12	variable	variable	ADJ
fsr-3678	123	13	coeficient	coeficient	NOUN
fsr-3678	123	14	std	std	PROPN
fsr-3678	123	15	.	.	PUNCT
fsr-3678	123	16	error	error	NOUN
fsr-3678	123	17	p	p	NOUN
fsr-3678	123	18	-	-	PUNCT
fsr-3678	123	19	value	value	NOUN
fsr-3678	123	20	odds	odd	NOUN
fsr-3678	123	21	ratio	ratio	NOUN
fsr-3678	123	22	intercept	intercept	NOUN
fsr-3678	123	23	-0.3605	-0.3605	NOUN
fsr-3678	123	24	2.786	2.786	NUM
fsr-3678	123	25	0.897	0.897	NUM
fsr-3678	123	26	freq	freq	NOUN
fsr-3678	123	27	of	of	ADP
fsr-3678	123	28	pay	pay	VERB
fsr-3678	123	29	1.3610	1.3610	NUM
fsr-3678	123	30	0.721	0.721	NUM
fsr-3678	123	31	0.059	0.059	NUM
fsr-3678	123	32	income1	income1	ADP
fsr-3678	123	33	2.5940	2.5940	NUM
fsr-3678	123	34	1.437	1.437	NUM
fsr-3678	123	35	0.071	0.071	NUM
fsr-3678	123	36	income2	income2	VERB
fsr-3678	124	1	1.5557	1.5557	NUM
fsr-3678	124	2	1.466	1.466	NUM
fsr-3678	124	3	0.289	0.289	NUM
fsr-3678	124	4	age	age	NOUN
fsr-3678	124	5	-0.0170	-0.0170	VERB
fsr-3678	124	6	0.027	0.027	NUM
fsr-3678	124	7	0.536	0.536	NUM
fsr-3678	124	8	education	education	NOUN
fsr-3678	124	9	-1.1828	-1.1828	VERB
fsr-3678	124	10	1.136	1.136	NUM
fsr-3678	124	11	0.298	0.298	NUM
fsr-3678	124	12	networthl	networthl	ADJ
fsr-3678	124	13	-0.6691	-0.6691	NOUN
fsr-3678	124	14	1.157	1.157	NUM
fsr-3678	124	15	0.563	0.563	NUM
fsr-3678	124	16	networth	networth	NOUN
fsr-3678	124	17	-0.8090	-0.8090	NOUN
fsr-3678	124	18	1.243	1.243	NUM
fsr-3678	124	19	0.515	0.515	NUM
fsr-3678	124	20	mar	mar	PROPN
fsr-3678	124	21	status	status	NOUN
fsr-3678	124	22	1.6980	1.6980	NUM
fsr-3678	124	23	0.880	0.880	NUM
fsr-3678	124	24	0.054	0.054	NUM
fsr-3678	124	25	3.900	3.900	NUM
fsr-3678	124	26	13.383	13.383	NUM
fsr-3678	124	27	4.738	4.738	NUM
fsr-3678	124	28	0.983	0.983	NUM
fsr-3678	124	29	0.306	0.306	NUM
fsr-3678	124	30	0.512	0.512	NUM
fsr-3678	124	31	0.445	0.445	NUM
fsr-3678	124	32	5.463	5.463	NUM
fsr-3678	124	33	model	model	NOUN
fsr-3678	124	34	chi	chi	ADJ
fsr-3678	124	35	-	-	PUNCT
fsr-3678	124	36	square	square	NOUN
fsr-3678	124	37	=	=	NOUN
fsr-3678	124	38	14.85	14.85	NUM
fsr-3678	124	39	with	with	ADP
fsr-3678	124	40	8	8	NUM
fsr-3678	124	41	degree	degree	NOUN
fsr-3678	124	42	of	of	ADP
fsr-3678	124	43	freedom	freedom	NOUN
fsr-3678	124	44	model	model	NOUN
fsr-3678	124	45	p	p	NOUN
fsr-3678	124	46	-	-	PUNCT
fsr-3678	124	47	value	value	NOUN
fsr-3678	124	48	=	=	NOUN
fsr-3678	124	49	0.0621	0.0621	NUM
fsr-3678	124	50	payfreq	payfreq	X
fsr-3678	124	51	=	=	SYM
fsr-3678	124	52	1	1	NUM
fsr-3678	124	53	,	,	PUNCT
fsr-3678	124	54	if	if	SCONJ
fsr-3678	124	55	paid	pay	VERB
fsr-3678	124	56	weekly	weekly	ADJ
fsr-3678	124	57	or	or	CCONJ
fsr-3678	124	58	biweekly	biweekly	ADJ
fsr-3678	124	59	=	=	SYM
fsr-3678	124	60	0	0	NUM
fsr-3678	124	61	,	,	PUNCT
fsr-3678	124	62	if	if	SCONJ
fsr-3678	124	63	paid	pay	VERB
fsr-3678	124	64	monthly	monthly	ADV
fsr-3678	124	65	income1	income1	NOUN
fsr-3678	124	66	low	low	ADJ
fsr-3678	124	67	income	income	NOUN
fsr-3678	124	68	0	0	NUM
fsr-3678	124	69	medium	medium	NOUN
fsr-3678	124	70	income	income	NOUN
fsr-3678	124	71	1	1	NUM
fsr-3678	124	72	high	high	ADJ
fsr-3678	124	73	income	income	NOUN
fsr-3678	124	74	0	0	NUM
fsr-3678	124	75	education	education	NOUN
fsr-3678	124	76	=	=	NOUN
fsr-3678	124	77	0	0	NUM
fsr-3678	124	78	,	,	PUNCT
fsr-3678	124	79	if	if	SCONJ
fsr-3678	124	80	less	less	ADJ
fsr-3678	124	81	than	than	ADP
fsr-3678	124	82	college	college	NOUN
fsr-3678	124	83	=	=	NOUN
fsr-3678	124	84	1	1	NUM
fsr-3678	124	85	,	,	PUNCT
fsr-3678	124	86	if	if	SCONJ
fsr-3678	124	87	college	college	NOUN
fsr-3678	124	88	completed	complete	VERB
fsr-3678	124	89	income2	income2	NOUN
fsr-3678	124	90	0	0	NUM
fsr-3678	124	91	0	0	NUM
fsr-3678	124	92	1	1	NUM
fsr-3678	124	93	networth	networth	NOUN
fsr-3678	124	94	1	1	NUM
fsr-3678	124	95	networth	networth	NOUN
fsr-3678	124	96	low	low	ADJ
fsr-3678	124	97	networth	networth	NOUN
fsr-3678	124	98	0	0	NUM
fsr-3678	124	99	0	0	NUM
fsr-3678	124	100	medium	medium	NOUN
fsr-3678	124	101	networth	networth	NOUN
fsr-3678	124	102	1	1	NUM
fsr-3678	124	103	0	0	NUM
fsr-3678	124	104	high	high	ADJ
fsr-3678	124	105	networth	networth	NOUN
fsr-3678	124	106	0	0	NUM
fsr-3678	124	107	1	1	NUM
fsr-3678	124	108	marital	marital	ADJ
fsr-3678	124	109	status	status	NOUN
fsr-3678	124	110	=	=	SYM
fsr-3678	124	111	0	0	NUM
fsr-3678	124	112	,	,	PUNCT
fsr-3678	124	113	if	if	SCONJ
fsr-3678	124	114	single	single	ADJ
fsr-3678	124	115	,	,	PUNCT
fsr-3678	124	116	divorced	divorced	ADJ
fsr-3678	124	117	or	or	CCONJ
fsr-3678	124	118	widowed	widow	VERB
fsr-3678	124	119	=	=	SYM
fsr-3678	124	120	1	1	NUM
fsr-3678	124	121	,	,	PUNCT
fsr-3678	124	122	if	if	SCONJ
fsr-3678	124	123	married	marry	VERB
fsr-3678	124	124	138	138	NUM
fsr-3678	124	125	financial	financial	ADJ
fsr-3678	124	126	services	service	NOUN
fsr-3678	124	127	review	review	NOUN
fsr-3678	124	128	,	,	PUNCT
fsr-3678	124	129	l(2	l(2	PROPN
fsr-3678	124	130	)	)	PUNCT
fsr-3678	124	131	1991	1991	NUM
fsr-3678	124	132	since	since	SCONJ
fsr-3678	124	133	we	we	PRON
fsr-3678	124	134	did	do	AUX
fsr-3678	124	135	not	not	PART
fsr-3678	124	136	find	find	VERB
fsr-3678	124	137	the	the	DET
fsr-3678	124	138	results	result	NOUN
fsr-3678	124	139	of	of	ADP
fsr-3678	124	140	the	the	DET
fsr-3678	124	141	full	full	ADJ
fsr-3678	124	142	model	model	NOUN
fsr-3678	124	143	satisfactory	satisfactory	NOUN
fsr-3678	124	144	,	,	PUNCT
fsr-3678	124	145	the	the	DET
fsr-3678	124	146	stepwise	stepwise	ADJ
fsr-3678	124	147	logistic	logistic	ADJ
fsr-3678	124	148	regression	regression	NOUN
fsr-3678	124	149	procedure	procedure	NOUN
fsr-3678	124	150	in	in	ADP
fsr-3678	124	151	sas	sas	PROPN
fsr-3678	124	152	was	be	AUX
fsr-3678	124	153	used	use	VERB
fsr-3678	124	154	to	to	PART
fsr-3678	124	155	generate	generate	VERB
fsr-3678	124	156	the	the	DET
fsr-3678	124	157	final	final	ADJ
fsr-3678	124	158	model	model	NOUN
fsr-3678	124	159	for	for	ADP
fsr-3678	124	160	this	this	DET
fsr-3678	124	161	study	study	NOUN
fsr-3678	124	162	.	.	PUNCT
fsr-3678	125	1	the	the	DET
fsr-3678	125	2	statistics	statistic	NOUN
fsr-3678	125	3	for	for	ADP
fsr-3678	125	4	the	the	DET
fsr-3678	125	5	final	final	ADJ
fsr-3678	125	6	model	model	NOUN
fsr-3678	125	7	are	be	AUX
fsr-3678	125	8	given	give	VERB
fsr-3678	125	9	in	in	ADP
fsr-3678	125	10	table	table	NOUN
fsr-3678	125	11	4	4	NUM
fsr-3678	125	12	.	.	PUNCT
fsr-3678	125	13	here	here	ADV
fsr-3678	125	14	again	again	ADV
fsr-3678	125	15	,	,	PUNCT
fsr-3678	125	16	the	the	DET
fsr-3678	125	17	z	z	NOUN
fsr-3678	125	18	tests	test	NOUN
fsr-3678	125	19	indicate	indicate	VERB
fsr-3678	125	20	that	that	SCONJ
fsr-3678	125	21	the	the	DET
fsr-3678	125	22	coefficients	coefficient	NOUN
fsr-3678	125	23	of	of	ADP
fsr-3678	125	24	the	the	DET
fsr-3678	125	25	payday	payday	NOUN
fsr-3678	125	26	frequency	frequency	NOUN
fsr-3678	125	27	and	and	CCONJ
fsr-3678	125	28	education	education	NOUN
fsr-3678	125	29	are	be	AUX
fsr-3678	125	30	significantly	significantly	ADV
fsr-3678	125	31	different	different	ADJ
fsr-3678	125	32	from	from	ADP
fsr-3678	125	33	zero	zero	NUM
fsr-3678	125	34	at	at	ADP
fsr-3678	125	35	both	both	CCONJ
fsr-3678	125	36	the	the	DET
fsr-3678	125	37	5	5	NUM
fsr-3678	125	38	%	%	NOUN
fsr-3678	125	39	and	and	CCONJ
fsr-3678	125	40	the	the	DET
fsr-3678	125	41	10	10	NUM
fsr-3678	125	42	%	%	NOUN
fsr-3678	125	43	levels	level	NOUN
fsr-3678	125	44	of	of	ADP
fsr-3678	125	45	significance	significance	NOUN
fsr-3678	125	46	.	.	PUNCT
fsr-3678	126	1	in	in	ADP
fsr-3678	126	2	addition	addition	NOUN
fsr-3678	126	3	,	,	PUNCT
fsr-3678	126	4	these	these	DET
fsr-3678	126	5	results	result	NOUN
fsr-3678	126	6	seem	seem	VERB
fsr-3678	126	7	to	to	PART
fsr-3678	126	8	be	be	AUX
fsr-3678	126	9	consistent	consistent	ADJ
fsr-3678	126	10	with	with	ADP
fsr-3678	126	11	the	the	DET
fsr-3678	126	12	observations	observation	NOUN
fsr-3678	126	13	derived	derive	VERB
fsr-3678	126	14	from	from	ADP
fsr-3678	126	15	the	the	DET
fsr-3678	126	16	individual	individual	ADJ
fsr-3678	126	17	2	2	NUM
fsr-3678	126	18	x	x	SYM
fsr-3678	126	19	2	2	NUM
fsr-3678	126	20	tables	table	NOUN
fsr-3678	126	21	.	.	PUNCT
fsr-3678	127	1	only	only	ADV
fsr-3678	127	2	two	two	NUM
fsr-3678	127	3	of	of	ADP
fsr-3678	127	4	the	the	DET
fsr-3678	127	5	six	six	NUM
fsr-3678	127	6	independent	independent	ADJ
fsr-3678	127	7	variables	variable	NOUN
fsr-3678	127	8	,	,	PUNCT
fsr-3678	127	9	frequency	frequency	NOUN
fsr-3678	127	10	of	of	ADP
fsr-3678	127	11	paydays	payday	NOUN
fsr-3678	127	12	and	and	CCONJ
fsr-3678	127	13	education	education	NOUN
fsr-3678	127	14	,	,	PUNCT
fsr-3678	127	15	remained	remain	VERB
fsr-3678	127	16	in	in	ADP
fsr-3678	127	17	the	the	DET
fsr-3678	127	18	final	final	ADJ
fsr-3678	127	19	model	model	NOUN
fsr-3678	127	20	.	.	PUNCT
fsr-3678	128	1	also	also	ADV
fsr-3678	128	2	,	,	PUNCT
fsr-3678	128	3	note	note	VERB
fsr-3678	128	4	that	that	SCONJ
fsr-3678	128	5	the	the	DET
fsr-3678	128	6	model	model	NOUN
fsr-3678	128	7	chi	chi	PROPN
fsr-3678	128	8	-	-	PUNCT
fsr-3678	128	9	square	square	PROPN
fsr-3678	128	10	is	be	AUX
fsr-3678	128	11	smaller	small	ADJ
fsr-3678	128	12	for	for	ADP
fsr-3678	128	13	the	the	DET
fsr-3678	128	14	final	final	ADJ
fsr-3678	128	15	model	model	NOUN
fsr-3678	128	16	than	than	ADP
fsr-3678	128	17	for	for	ADP
fsr-3678	128	18	the	the	DET
fsr-3678	128	19	full	full	ADJ
fsr-3678	128	20	model	model	NOUN
fsr-3678	128	21	.	.	PUNCT
fsr-3678	129	1	furthermore	furthermore	ADV
fsr-3678	129	2	,	,	PUNCT
fsr-3678	129	3	the	the	DET
fsr-3678	129	4	odds	odd	NOUN
fsr-3678	129	5	ratios	ratio	NOUN
fsr-3678	129	6	from	from	ADP
fsr-3678	129	7	the	the	DET
fsr-3678	129	8	logistic	logistic	ADJ
fsr-3678	129	9	regression	regression	NOUN
fsr-3678	129	10	indicate	indicate	VERB
fsr-3678	129	11	stronger	strong	ADJ
fsr-3678	129	12	relationships	relationship	NOUN
fsr-3678	129	13	between	between	ADP
fsr-3678	129	14	the	the	DET
fsr-3678	129	15	independent	independent	ADJ
fsr-3678	129	16	variables	variable	NOUN
fsr-3678	129	17	and	and	CCONJ
fsr-3678	129	18	the	the	DET
fsr-3678	129	19	dependent	dependent	ADJ
fsr-3678	129	20	variable	variable	NOUN
fsr-3678	129	21	than	than	SCONJ
fsr-3678	129	22	was	be	AUX
fsr-3678	129	23	suggested	suggest	VERB
fsr-3678	129	24	by	by	ADP
fsr-3678	129	25	the	the	DET
fsr-3678	129	26	odds	odd	NOUN
fsr-3678	129	27	ratios	ratio	NOUN
fsr-3678	129	28	from	from	ADP
fsr-3678	129	29	the	the	DET
fsr-3678	129	30	2	2	NUM
fsr-3678	129	31	x	x	SYM
fsr-3678	129	32	2	2	NUM
fsr-3678	129	33	tables	table	NOUN
fsr-3678	129	34	.	.	PUNCT
fsr-3678	130	1	finally	finally	ADV
fsr-3678	130	2	,	,	PUNCT
fsr-3678	130	3	using	use	VERB
fsr-3678	130	4	a	a	DET
fsr-3678	130	5	cutoff	cutoff	NOUN
fsr-3678	130	6	point	point	NOUN
fsr-3678	130	7	of	of	ADP
fsr-3678	130	8	58	58	NUM
fsr-3678	130	9	%	%	NOUN
fsr-3678	130	10	,	,	PUNCT
fsr-3678	130	11	the	the	DET
fsr-3678	130	12	estimated	estimate	VERB
fsr-3678	130	13	logistic	logistic	ADJ
fsr-3678	130	14	regression	regression	NOUN
fsr-3678	130	15	model	model	NOUN
fsr-3678	130	16	correctly	correctly	ADV
fsr-3678	130	17	classified	classify	VERB
fsr-3678	130	18	68	68	NUM
fsr-3678	130	19	%	%	NOUN
fsr-3678	130	20	of	of	ADP
fsr-3678	130	21	the	the	DET
fsr-3678	130	22	respondents	respondent	NOUN
fsr-3678	130	23	.	.	PUNCT
fsr-3678	131	1	a	a	DET
fsr-3678	131	2	cutoff	cutoff	NOUN
fsr-3678	131	3	point	point	NOUN
fsr-3678	131	4	of	of	ADP
fsr-3678	131	5	58	58	NUM
fsr-3678	131	6	%	%	NOUN
fsr-3678	131	7	was	be	AUX
fsr-3678	131	8	used	use	VERB
fsr-3678	131	9	because	because	SCONJ
fsr-3678	131	10	that	that	PRON
fsr-3678	131	11	was	be	AUX
fsr-3678	131	12	the	the	DET
fsr-3678	131	13	percentage	percentage	NOUN
fsr-3678	131	14	of	of	ADP
fsr-3678	131	15	the	the	DET
fsr-3678	131	16	survey	survey	NOUN
fsr-3678	131	17	respondents	respondent	NOUN
fsr-3678	131	18	who	who	PRON
fsr-3678	131	19	selected	select	VERB
fsr-3678	131	20	the	the	DET
fsr-3678	131	21	bpm	bpm	NOUN
fsr-3678	131	22	.	.	PUNCT
fsr-3678	132	1	conclusion	conclusion	NOUN
fsr-3678	132	2	this	this	DET
fsr-3678	132	3	study	study	NOUN
fsr-3678	132	4	examined	examine	VERB
fsr-3678	132	5	the	the	DET
fsr-3678	132	6	effects	effect	NOUN
fsr-3678	132	7	of	of	ADP
fsr-3678	132	8	various	various	ADJ
fsr-3678	132	9	demographic	demographic	ADJ
fsr-3678	132	10	factors	factor	NOUN
fsr-3678	132	11	on	on	ADP
fsr-3678	132	12	the	the	DET
fsr-3678	132	13	choice	choice	NOUN
fsr-3678	132	14	between	between	ADP
fsr-3678	132	15	the	the	DET
fsr-3678	132	16	bpm	bpm	NOUN
fsr-3678	132	17	and	and	CCONJ
fsr-3678	132	18	the	the	DET
fsr-3678	132	19	mpm	mpm	NOUN
fsr-3678	132	20	.	.	PUNCT
fsr-3678	133	1	of	of	ADP
fsr-3678	133	2	the	the	DET
fsr-3678	133	3	six	six	NUM
fsr-3678	133	4	factors	factor	NOUN
fsr-3678	133	5	that	that	PRON
fsr-3678	133	6	were	be	AUX
fsr-3678	133	7	considered	consider	VERB
fsr-3678	133	8	,	,	PUNCT
fsr-3678	133	9	only	only	ADV
fsr-3678	133	10	two	two	NUM
fsr-3678	133	11	had	have	VERB
fsr-3678	133	12	statistically	statistically	ADV
fsr-3678	133	13	significant	significant	ADJ
fsr-3678	133	14	influence	influence	NOUN
fsr-3678	133	15	on	on	ADP
fsr-3678	133	16	mortgage	mortgage	NOUN
fsr-3678	133	17	choice	choice	NOUN
fsr-3678	133	18	.	.	PUNCT
fsr-3678	134	1	these	these	DET
fsr-3678	134	2	factors	factor	NOUN
fsr-3678	134	3	were	be	AUX
fsr-3678	134	4	the	the	DET
fsr-3678	134	5	frequency	frequency	NOUN
fsr-3678	134	6	of	of	ADP
fsr-3678	134	7	paydays	payday	NOUN
fsr-3678	134	8	and	and	CCONJ
fsr-3678	134	9	education	education	NOUN
fsr-3678	134	10	.	.	PUNCT
fsr-3678	135	1	the	the	DET
fsr-3678	135	2	importance	importance	NOUN
fsr-3678	135	3	of	of	ADP
fsr-3678	135	4	the	the	DET
fsr-3678	135	5	first	first	ADJ
fsr-3678	135	6	factor	factor	NOUN
fsr-3678	135	7	is	be	AUX
fsr-3678	135	8	rather	rather	ADV
fsr-3678	135	9	obvious	obvious	ADJ
fsr-3678	135	10	.	.	PUNCT
fsr-3678	136	1	ceteris	ceteris	NOUN
fsr-3678	136	2	paribus	paribus	NOUN
fsr-3678	136	3	,	,	PUNCT
fsr-3678	136	4	home	home	NOUN
fsr-3678	136	5	owners	owner	NOUN
fsr-3678	136	6	who	who	PRON
fsr-3678	136	7	are	be	AUX
fsr-3678	136	8	paid	pay	VERB
fsr-3678	136	9	weekly	weekly	ADV
fsr-3678	136	10	or	or	CCONJ
fsr-3678	136	11	biweekly	biweekly	NOUN
fsr-3678	136	12	,	,	PUNCT
fsr-3678	136	13	are	be	AUX
fsr-3678	136	14	more	more	ADV
fsr-3678	136	15	likely	likely	ADJ
fsr-3678	136	16	to	to	PART
fsr-3678	136	17	choose	choose	VERB
fsr-3678	136	18	the	the	DET
fsr-3678	136	19	bpm	bpm	NOUN
fsr-3678	136	20	than	than	ADP
fsr-3678	136	21	home	home	NOUN
fsr-3678	136	22	owners	owner	NOUN
fsr-3678	136	23	who	who	PRON
fsr-3678	136	24	are	be	AUX
fsr-3678	136	25	paid	pay	VERB
fsr-3678	136	26	monthly	monthly	ADV
fsr-3678	136	27	.	.	PUNCT
fsr-3678	137	1	the	the	DET
fsr-3678	137	2	effect	effect	NOUN
fsr-3678	137	3	of	of	ADP
fsr-3678	137	4	education	education	NOUN
fsr-3678	137	5	was	be	AUX
fsr-3678	137	6	,	,	PUNCT
fsr-3678	137	7	however	however	ADV
fsr-3678	137	8	,	,	PUNCT
fsr-3678	137	9	surprising	surprising	ADJ
fsr-3678	137	10	.	.	PUNCT
fsr-3678	138	1	home	home	NOUN
fsr-3678	138	2	owners	owner	NOUN
fsr-3678	138	3	with	with	ADP
fsr-3678	138	4	college	college	NOUN
fsr-3678	138	5	table	table	NOUN
fsr-3678	138	6	4	4	NUM
fsr-3678	138	7	.	.	PUNCT
fsr-3678	138	8	estimated	estimate	VERB
fsr-3678	138	9	values	value	NOUN
fsr-3678	138	10	of	of	ADP
fsr-3678	138	11	the	the	DET
fsr-3678	138	12	final	final	ADJ
fsr-3678	138	13	logistic	logistic	ADJ
fsr-3678	138	14	regression	regression	NOUN
fsr-3678	138	15	model	model	NOUN
fsr-3678	138	16	and	and	CCONJ
fsr-3678	138	17	odds	odd	NOUN
fsr-3678	138	18	ratios	ratio	NOUN
fsr-3678	138	19	vuriable	vuriable	ADJ
fsr-3678	138	20	coefjicient	coefjicient	ADJ
fsr-3678	138	21	std	std	NOUN
fsr-3678	138	22	.	.	PUNCT
fsr-3678	139	1	error	error	NOUN
fsr-3678	139	2	intercept	intercept	VERB
fsr-3678	139	3	0.8389	0.8389	NUM
fsr-3678	139	4	0.837	0.837	NUM
fsr-3678	139	5	freq	freq	NOUN
fsr-3678	139	6	of	of	ADP
fsr-3678	139	7	pay	pay	NOUN
fsr-3678	140	1	i	i	PRON
fsr-3678	140	2	s784	s784	PROPN
fsr-3678	140	3	0.629	0.629	NUM
fsr-3678	140	4	education	education	NOUN
fsr-3678	140	5	-1.9342	-1.9342	NOUN
fsr-3678	140	6	0.917	0.917	NUM
fsr-3678	140	7	model	model	NOUN
fsr-3678	140	8	chi	chi	ADJ
fsr-3678	140	9	-	-	PUNCT
fsr-3678	140	10	square	square	NOUN
fsr-3678	140	11	=	=	NOUN
fsr-3678	140	12	10.37	10.37	NUM
fsr-3678	140	13	with	with	ADP
fsr-3678	140	14	2	2	NUM
fsr-3678	140	15	degree	degree	NOUN
fsr-3678	140	16	of	of	ADP
fsr-3678	140	17	freedom	freedom	NOUN
fsr-3678	140	18	p	p	NOUN
fsr-3678	140	19	-	-	PUNCT
fsr-3678	140	20	value	value	NOUN
fsr-3678	140	21	=	=	SYM
fsr-3678	140	22	0.0056	0.0056	NUM
fsr-3678	140	23	freq	freq	NOUN
fsr-3678	140	24	of	of	ADP
fsr-3678	140	25	pay	pay	NOUN
fsr-3678	140	26	=	=	PUNCT
fsr-3678	141	1	i	i	NOUN
fsr-3678	141	2	,	,	PUNCT
fsr-3678	141	3	if	if	SCONJ
fsr-3678	141	4	paid	pay	VERB
fsr-3678	141	5	weekly	weekly	ADJ
fsr-3678	141	6	or	or	CCONJ
fsr-3678	141	7	biweekly	biweekly	ADJ
fsr-3678	141	8	=	=	SYM
fsr-3678	141	9	0	0	NUM
fsr-3678	141	10	,	,	PUNCT
fsr-3678	141	11	if	if	SCONJ
fsr-3678	141	12	paid	pay	VERB
fsr-3678	141	13	monthly	monthly	ADJ
fsr-3678	141	14	education	education	NOUN
fsr-3678	141	15	=	=	SYM
fsr-3678	141	16	0	0	NUM
fsr-3678	141	17	,	,	PUNCT
fsr-3678	141	18	if	if	SCONJ
fsr-3678	141	19	less	less	ADJ
fsr-3678	141	20	than	than	ADP
fsr-3678	141	21	college	college	NOUN
fsr-3678	141	22	=	=	NOUN
fsr-3678	141	23	1	1	NUM
fsr-3678	141	24	,	,	PUNCT
fsr-3678	141	25	if	if	SCONJ
fsr-3678	141	26	college	college	NOUN
fsr-3678	141	27	completed	complete	VERB
fsr-3678	141	28	p	p	NOUN
fsr-3678	141	29	-	-	PUNCT
fsr-3678	141	30	value	value	NOUN
fsr-3678	141	31	0.316	0.316	NUM
fsr-3678	141	32	0.012	0.012	NUM
fsr-3678	141	33	0.035	0.035	NUM
fsr-3678	141	34	odds	odd	NOUN
fsr-3678	141	35	ratio	ratio	NOUN
fsr-3678	141	36	4.847	4.847	NUM
fsr-3678	141	37	0.145	0.145	NUM
fsr-3678	141	38	comparing	compare	VERB
fsr-3678	141	39	mortgages	mortgage	NOUN
fsr-3678	141	40	with	with	ADP
fsr-3678	141	41	different	different	ADJ
fsr-3678	141	42	payment	payment	NOUN
fsr-3678	141	43	frequencies	frequency	NOUN
fsr-3678	141	44	139	139	NUM
fsr-3678	141	45	degrees	degree	NOUN
fsr-3678	141	46	tended	tend	VERB
fsr-3678	141	47	to	to	PART
fsr-3678	141	48	prefer	prefer	VERB
fsr-3678	141	49	the	the	DET
fsr-3678	141	50	mpm	mpm	NOUN
fsr-3678	141	51	and	and	CCONJ
fsr-3678	141	52	home	home	NOUN
fsr-3678	141	53	owners	owner	NOUN
fsr-3678	141	54	with	with	ADP
fsr-3678	141	55	just	just	ADV
fsr-3678	141	56	high	high	ADJ
fsr-3678	141	57	school	school	NOUN
fsr-3678	141	58	diplomas	diploma	NOUN
fsr-3678	141	59	tended	tend	VERB
fsr-3678	141	60	to	to	PART
fsr-3678	141	61	prefer	prefer	VERB
fsr-3678	141	62	the	the	DET
fsr-3678	141	63	bpm	bpm	NOUN
fsr-3678	141	64	.	.	PUNCT
fsr-3678	142	1	as	as	SCONJ
fsr-3678	142	2	indicated	indicate	VERB
fsr-3678	142	3	above	above	ADV
fsr-3678	142	4	,	,	PUNCT
fsr-3678	142	5	one	one	NUM
fsr-3678	142	6	possible	possible	ADJ
fsr-3678	142	7	explanation	explanation	NOUN
fsr-3678	142	8	for	for	ADP
fsr-3678	142	9	this	this	DET
fsr-3678	142	10	result	result	NOUN
fsr-3678	142	11	is	be	AUX
fsr-3678	142	12	that	that	SCONJ
fsr-3678	142	13	the	the	DET
fsr-3678	142	14	more	more	ADV
fsr-3678	142	15	educated	educate	VERB
fsr-3678	142	16	group	group	NOUN
fsr-3678	142	17	knows	know	VERB
fsr-3678	142	18	more	more	ADJ
fsr-3678	142	19	about	about	ADP
fsr-3678	142	20	alternative	alternative	ADJ
fsr-3678	142	21	mortgage	mortgage	NOUN
fsr-3678	142	22	and	and	CCONJ
fsr-3678	142	23	investment	investment	NOUN
fsr-3678	142	24	products	product	NOUN
fsr-3678	142	25	and	and	CCONJ
fsr-3678	142	26	that	that	SCONJ
fsr-3678	142	27	they	they	PRON
fsr-3678	142	28	are	be	AUX
fsr-3678	142	29	not	not	PART
fsr-3678	142	30	as	as	ADV
fsr-3678	142	31	impressed	impressed	ADJ
fsr-3678	142	32	by	by	ADP
fsr-3678	142	33	the	the	DET
fsr-3678	142	34	bpm	bpm	NOUN
fsr-3678	142	35	as	as	ADP
fsr-3678	142	36	those	those	PRON
fsr-3678	142	37	with	with	ADP
fsr-3678	142	38	just	just	ADV
fsr-3678	142	39	high	high	ADJ
fsr-3678	142	40	school	school	NOUN
fsr-3678	142	41	education	education	NOUN
fsr-3678	142	42	.	.	PUNCT
fsr-3678	143	1	for	for	ADP
fsr-3678	143	2	example	example	NOUN
fsr-3678	143	3	,	,	PUNCT
fsr-3678	143	4	a	a	DET
fsr-3678	143	5	home	home	NOUN
fsr-3678	143	6	owner	owner	NOUN
fsr-3678	143	7	can	can	AUX
fsr-3678	143	8	obtain	obtain	VERB
fsr-3678	143	9	a	a	DET
fsr-3678	143	10	mpm	mpm	NOUN
fsr-3678	143	11	and	and	CCONJ
fsr-3678	143	12	then	then	ADV
fsr-3678	143	13	design	design	VERB
fsr-3678	143	14	a	a	DET
fsr-3678	143	15	prepayment	prepayment	NOUN
fsr-3678	143	16	plan	plan	NOUN
fsr-3678	143	17	that	that	PRON
fsr-3678	143	18	is	be	AUX
fsr-3678	143	19	equivalent	equivalent	ADJ
fsr-3678	143	20	to	to	ADP
fsr-3678	143	21	the	the	DET
fsr-3678	143	22	bpm	bpm	NOUN
fsr-3678	143	23	without	without	ADP
fsr-3678	143	24	refinancing	refinance	VERB
fsr-3678	143	25	.	.	PUNCT
fsr-3678	144	1	the	the	DET
fsr-3678	144	2	mpm	mpm	NOUN
fsr-3678	144	3	gives	give	VERB
fsr-3678	144	4	the	the	DET
fsr-3678	144	5	home	home	NOUN
fsr-3678	144	6	owner	owner	NOUN
fsr-3678	144	7	greater	great	ADJ
fsr-3678	144	8	flexibility	flexibility	NOUN
fsr-3678	144	9	than	than	SCONJ
fsr-3678	144	10	does	do	VERB
fsr-3678	144	11	the	the	DET
fsr-3678	144	12	bpm	bpm	NOUN
fsr-3678	144	13	.	.	PUNCT
fsr-3678	145	1	another	another	DET
fsr-3678	145	2	possible	possible	ADJ
fsr-3678	145	3	explanation	explanation	NOUN
fsr-3678	145	4	is	be	AUX
fsr-3678	145	5	that	that	SCONJ
fsr-3678	145	6	the	the	DET
fsr-3678	145	7	more	more	ADV
fsr-3678	145	8	educated	educate	VERB
fsr-3678	145	9	group	group	NOUN
fsr-3678	145	10	had	have	VERB
fsr-3678	145	11	higher	high	ADJ
fsr-3678	145	12	income	income	NOUN
fsr-3678	145	13	and	and	CCONJ
fsr-3678	145	14	consequently	consequently	ADV
fsr-3678	145	15	preferred	prefer	VERB
fsr-3678	145	16	the	the	DET
fsr-3678	145	17	mpm	mpm	NOUN
fsr-3678	145	18	for	for	ADP
fsr-3678	145	19	the	the	DET
fsr-3678	145	20	greater	great	ADJ
fsr-3678	145	21	tax	tax	NOUN
fsr-3678	145	22	benefits	benefit	NOUN
fsr-3678	145	23	that	that	PRON
fsr-3678	145	24	it	it	PRON
fsr-3678	145	25	offers	offer	VERB
fsr-3678	145	26	.	.	PUNCT
fsr-3678	146	1	in	in	ADP
fsr-3678	146	2	other	other	ADJ
fsr-3678	146	3	words	word	NOUN
fsr-3678	146	4	,	,	PUNCT
fsr-3678	146	5	for	for	ADP
fsr-3678	146	6	the	the	DET
fsr-3678	146	7	larger	large	ADJ
fsr-3678	146	8	interest	interest	NOUN
fsr-3678	146	9	payments	payment	NOUN
fsr-3678	146	10	that	that	PRON
fsr-3678	146	11	may	may	AUX
fsr-3678	146	12	be	be	AUX
fsr-3678	146	13	deducted	deduct	VERB
fsr-3678	146	14	for	for	ADP
fsr-3678	146	15	tax	tax	NOUN
fsr-3678	146	16	purposes	purpose	NOUN
fsr-3678	146	17	.	.	PUNCT
fsr-3678	147	1	the	the	DET
fsr-3678	147	2	results	result	NOUN
fsr-3678	147	3	of	of	ADP
fsr-3678	147	4	this	this	DET
fsr-3678	147	5	study	study	NOUN
fsr-3678	147	6	have	have	VERB
fsr-3678	147	7	implications	implication	NOUN
fsr-3678	147	8	both	both	PRON
fsr-3678	147	9	for	for	ADP
fsr-3678	147	10	borrowers	borrower	NOUN
fsr-3678	147	11	and	and	CCONJ
fsr-3678	147	12	lenders	lender	NOUN
fsr-3678	147	13	.	.	PUNCT
fsr-3678	148	1	assuming	assume	VERB
fsr-3678	148	2	other	other	ADJ
fsr-3678	148	3	factors	factor	NOUN
fsr-3678	148	4	are	be	AUX
fsr-3678	148	5	held	hold	VERB
fsr-3678	148	6	constant	constant	ADJ
fsr-3678	148	7	,	,	PUNCT
fsr-3678	148	8	the	the	DET
fsr-3678	148	9	biweekly	biweekly	ADJ
fsr-3678	148	10	-	-	PUNCT
fsr-3678	148	11	payment	payment	NOUN
fsr-3678	148	12	mortgage	mortgage	NOUN
fsr-3678	148	13	is	be	AUX
fsr-3678	148	14	,	,	PUNCT
fsr-3678	148	15	obviously	obviously	ADV
fsr-3678	148	16	,	,	PUNCT
fsr-3678	148	17	more	more	ADV
fsr-3678	148	18	suited	suited	ADJ
fsr-3678	148	19	for	for	ADP
fsr-3678	148	20	home	home	NOUN
fsr-3678	148	21	owners	owner	NOUN
fsr-3678	148	22	who	who	PRON
fsr-3678	148	23	are	be	AUX
fsr-3678	148	24	paid	pay	VERB
fsr-3678	148	25	weekly	weekly	ADV
fsr-3678	148	26	or	or	CCONJ
fsr-3678	148	27	biweekly	biweekly	ADJ
fsr-3678	148	28	rather	rather	ADV
fsr-3678	148	29	than	than	ADP
fsr-3678	148	30	for	for	ADP
fsr-3678	148	31	those	those	PRON
fsr-3678	148	32	who	who	PRON
fsr-3678	148	33	are	be	AUX
fsr-3678	148	34	paid	pay	VERB
fsr-3678	148	35	monthly	monthly	ADV
fsr-3678	148	36	.	.	PUNCT
fsr-3678	149	1	from	from	ADP
fsr-3678	149	2	the	the	DET
fsr-3678	149	3	lender	lender	NOUN
fsr-3678	149	4	’s	’s	PART
fsr-3678	149	5	point	point	NOUN
fsr-3678	149	6	of	of	ADP
fsr-3678	149	7	view	view	NOUN
fsr-3678	149	8	,	,	PUNCT
fsr-3678	149	9	the	the	DET
fsr-3678	149	10	marketing	marketing	NOUN
fsr-3678	149	11	of	of	ADP
fsr-3678	149	12	the	the	DET
fsr-3678	149	13	biweekly	biweekly	ADJ
fsr-3678	149	14	-	-	PUNCT
fsr-3678	149	15	payment	payment	NOUN
fsr-3678	149	16	mortgage	mortgage	NOUN
fsr-3678	149	17	should	should	AUX
fsr-3678	149	18	focus	focus	VERB
fsr-3678	149	19	on	on	ADP
fsr-3678	149	20	home	home	NOUN
fsr-3678	149	21	owners	owner	NOUN
fsr-3678	149	22	who	who	PRON
fsr-3678	149	23	are	be	AUX
fsr-3678	149	24	paid	pay	VERB
fsr-3678	149	25	biweekly	biweekly	ADJ
fsr-3678	149	26	or	or	CCONJ
fsr-3678	149	27	weekly	weekly	ADJ
fsr-3678	149	28	.	.	PUNCT
fsr-3678	150	1	home	home	NOUN
fsr-3678	150	2	owners	owner	NOUN
fsr-3678	150	3	who	who	PRON
fsr-3678	150	4	are	be	AUX
fsr-3678	150	5	paid	pay	VERB
fsr-3678	150	6	monthly	monthly	ADV
fsr-3678	150	7	or	or	CCONJ
fsr-3678	150	8	those	those	PRON
fsr-3678	150	9	with	with	ADP
fsr-3678	150	10	college	college	NOUN
fsr-3678	150	11	degrees	degree	NOUN
fsr-3678	150	12	seem	seem	VERB
fsr-3678	150	13	to	to	PART
fsr-3678	150	14	be	be	AUX
fsr-3678	150	15	relatively	relatively	ADV
fsr-3678	150	16	more	more	ADV
fsr-3678	150	17	interested	interested	ADJ
fsr-3678	150	18	in	in	ADP
fsr-3678	150	19	the	the	DET
fsr-3678	150	20	monthly	monthly	ADJ
fsr-3678	150	21	-	-	PUNCT
fsr-3678	150	22	payment	payment	NOUN
fsr-3678	150	23	mortgage	mortgage	NOUN
fsr-3678	150	24	.	.	PUNCT
fsr-3678	151	1	while	while	SCONJ
fsr-3678	151	2	this	this	DET
fsr-3678	151	3	study	study	NOUN
fsr-3678	151	4	has	have	AUX
fsr-3678	151	5	identified	identify	VERB
fsr-3678	151	6	borrower	borrower	NOUN
fsr-3678	151	7	characteristics	characteristic	NOUN
fsr-3678	151	8	that	that	PRON
fsr-3678	151	9	are	be	AUX
fsr-3678	151	10	important	important	ADJ
fsr-3678	151	11	for	for	ADP
fsr-3678	151	12	the	the	DET
fsr-3678	151	13	choice	choice	NOUN
fsr-3678	151	14	between	between	ADP
fsr-3678	151	15	the	the	DET
fsr-3678	151	16	biweekly	biweekly	ADJ
fsr-3678	151	17	-	-	PUNCT
fsr-3678	151	18	payment	payment	NOUN
fsr-3678	151	19	mortgage	mortgage	NOUN
fsr-3678	151	20	and	and	CCONJ
fsr-3678	151	21	the	the	DET
fsr-3678	151	22	monthly	monthly	ADJ
fsr-3678	151	23	-	-	PUNCT
fsr-3678	151	24	payment	payment	NOUN
fsr-3678	151	25	mortgage	mortgage	NOUN
fsr-3678	151	26	,	,	PUNCT
fsr-3678	151	27	it	it	PRON
fsr-3678	151	28	must	must	AUX
fsr-3678	151	29	be	be	AUX
fsr-3678	151	30	pointed	point	VERB
fsr-3678	151	31	out	out	ADP
fsr-3678	151	32	that	that	SCONJ
fsr-3678	151	33	it	it	PRON
fsr-3678	151	34	was	be	AUX
fsr-3678	151	35	based	base	VERB
fsr-3678	151	36	on	on	ADP
fsr-3678	151	37	a	a	DET
fsr-3678	151	38	limited	limited	ADJ
fsr-3678	151	39	regional	regional	ADJ
fsr-3678	151	40	survey	survey	NOUN
fsr-3678	151	41	.	.	PUNCT
fsr-3678	152	1	future	future	ADJ
fsr-3678	152	2	studies	study	NOUN
fsr-3678	152	3	may	may	AUX
fsr-3678	152	4	be	be	AUX
fsr-3678	152	5	based	base	VERB
fsr-3678	152	6	on	on	ADP
fsr-3678	152	7	national	national	ADJ
fsr-3678	152	8	surveys	survey	NOUN
fsr-3678	152	9	.	.	PUNCT
fsr-3678	153	1	they	they	PRON
fsr-3678	153	2	may	may	AUX
fsr-3678	153	3	also	also	ADV
fsr-3678	153	4	include	include	VERB
fsr-3678	153	5	other	other	ADJ
fsr-3678	153	6	variables	variable	NOUN
fsr-3678	153	7	that	that	PRON
fsr-3678	153	8	were	be	AUX
fsr-3678	153	9	not	not	PART
fsr-3678	153	10	considered	consider	VERB
fsr-3678	153	11	in	in	ADP
fsr-3678	153	12	this	this	DET
fsr-3678	153	13	study	study	NOUN
fsr-3678	153	14	.	.	PUNCT
fsr-3678	154	1	appendix	appendix	VERB
fsr-3678	154	2	dear	dear	ADJ
fsr-3678	154	3	home	home	NOUN
fsr-3678	154	4	-	-	PUNCT
fsr-3678	154	5	owner	owner	NOUN
fsr-3678	154	6	or	or	CCONJ
fsr-3678	154	7	potential	potential	ADJ
fsr-3678	154	8	home	home	NOUN
fsr-3678	154	9	-	-	PUNCT
fsr-3678	154	10	owner	owner	NOUN
fsr-3678	154	11	:	:	PUNCT
fsr-3678	154	12	i	i	PRON
fsr-3678	154	13	am	be	AUX
fsr-3678	154	14	preparing	prepare	VERB
fsr-3678	154	15	a	a	DET
fsr-3678	154	16	study	study	NOUN
fsr-3678	154	17	of	of	ADP
fsr-3678	154	18	the	the	DET
fsr-3678	154	19	factors	factor	NOUN
fsr-3678	154	20	that	that	PRON
fsr-3678	154	21	influence	influence	VERB
fsr-3678	154	22	the	the	DET
fsr-3678	154	23	choice	choice	NOUN
fsr-3678	154	24	between	between	ADP
fsr-3678	154	25	monthly	monthly	ADJ
fsr-3678	154	26	payment	payment	NOUN
fsr-3678	154	27	mortgages	mortgage	NOUN
fsr-3678	154	28	and	and	CCONJ
fsr-3678	154	29	biweekly	biweekly	ADJ
fsr-3678	154	30	-	-	PUNCT
fsr-3678	154	31	payment	payment	NOUN
fsr-3678	154	32	mortgages	mortgage	NOUN
fsr-3678	154	33	.	.	PUNCT
fsr-3678	155	1	this	this	DET
fsr-3678	155	2	study	study	NOUN
fsr-3678	155	3	will	will	AUX
fsr-3678	155	4	be	be	AUX
fsr-3678	155	5	based	base	VERB
fsr-3678	155	6	on	on	ADP
fsr-3678	155	7	data	datum	NOUN
fsr-3678	155	8	gathered	gather	VERB
fsr-3678	155	9	from	from	ADP
fsr-3678	155	10	a	a	DET
fsr-3678	155	11	mail	mail	NOUN
fsr-3678	155	12	survey	survey	NOUN
fsr-3678	155	13	of	of	ADP
fsr-3678	155	14	home	home	NOUN
fsr-3678	155	15	-	-	PUNCT
fsr-3678	155	16	owners	owner	NOUN
fsr-3678	155	17	or	or	CCONJ
fsr-3678	155	18	potential	potential	ADJ
fsr-3678	155	19	home	home	NOUN
fsr-3678	155	20	-	-	PUNCT
fsr-3678	155	21	owners	owner	NOUN
fsr-3678	155	22	in	in	ADP
fsr-3678	155	23	this	this	DET
fsr-3678	155	24	area	area	NOUN
fsr-3678	155	25	.	.	PUNCT
fsr-3678	156	1	i	i	PRON
fsr-3678	156	2	would	would	AUX
fsr-3678	156	3	appreciate	appreciate	VERB
fsr-3678	156	4	it	it	PRON
fsr-3678	156	5	very	very	ADV
fsr-3678	156	6	much	much	ADV
fsr-3678	156	7	if	if	SCONJ
fsr-3678	156	8	you	you	PRON
fsr-3678	156	9	could	could	AUX
fsr-3678	156	10	take	take	VERB
fsr-3678	156	11	a	a	DET
fsr-3678	156	12	moment	moment	NOUN
fsr-3678	156	13	to	to	PART
fsr-3678	156	14	read	read	VERB
fsr-3678	156	15	this	this	DET
fsr-3678	156	16	memo	memo	NOUN
fsr-3678	156	17	and	and	CCONJ
fsr-3678	156	18	complete	complete	VERB
fsr-3678	156	19	the	the	DET
fsr-3678	156	20	enclosed	enclose	VERB
fsr-3678	156	21	short	short	ADJ
fsr-3678	156	22	form	form	NOUN
fsr-3678	156	23	.	.	PUNCT
fsr-3678	157	1	in	in	ADP
fsr-3678	157	2	the	the	DET
fsr-3678	157	3	last	last	ADJ
fsr-3678	157	4	few	few	ADJ
fsr-3678	157	5	years	year	NOUN
fsr-3678	157	6	,	,	PUNCT
fsr-3678	157	7	some	some	DET
fsr-3678	157	8	lending	lending	NOUN
fsr-3678	157	9	institutions	institution	NOUN
fsr-3678	157	10	in	in	ADP
fsr-3678	157	11	michigan	michigan	PROPN
fsr-3678	157	12	started	start	VERB
fsr-3678	157	13	offering	offer	VERB
fsr-3678	157	14	biweekly	biweekly	ADJ
fsr-3678	157	15	mortgages	mortgage	NOUN
fsr-3678	157	16	.	.	PUNCT
fsr-3678	158	1	in	in	ADP
fsr-3678	158	2	a	a	DET
fsr-3678	158	3	biweekly	biweekly	ADJ
fsr-3678	158	4	mortgage	mortgage	NOUN
fsr-3678	158	5	,	,	PUNCT
fsr-3678	158	6	half	half	NOUN
fsr-3678	158	7	of	of	ADP
fsr-3678	158	8	the	the	DET
fsr-3678	158	9	monthly	monthly	ADJ
fsr-3678	158	10	payment	payment	NOUN
fsr-3678	158	11	of	of	ADP
fsr-3678	158	12	a	a	DET
fsr-3678	158	13	monthly	monthly	ADJ
fsr-3678	158	14	-	-	PUNCT
fsr-3678	158	15	payment	payment	NOUN
fsr-3678	158	16	mortgage	mortgage	NOUN
fsr-3678	158	17	is	be	AUX
fsr-3678	158	18	paid	pay	VERB
fsr-3678	158	19	every	every	DET
fsr-3678	158	20	two	two	NUM
fsr-3678	158	21	weeks	week	NOUN
fsr-3678	158	22	.	.	PUNCT
fsr-3678	159	1	over	over	ADP
fsr-3678	159	2	a	a	DET
fsr-3678	159	3	period	period	NOUN
fsr-3678	159	4	of	of	ADP
fsr-3678	159	5	a	a	DET
fsr-3678	159	6	year	year	NOUN
fsr-3678	159	7	,	,	PUNCT
fsr-3678	159	8	26	26	NUM
fsr-3678	159	9	biweekly	biweekly	ADJ
fsr-3678	159	10	payments	payment	NOUN
fsr-3678	159	11	are	be	AUX
fsr-3678	159	12	made	make	VERB
fsr-3678	159	13	and	and	CCONJ
fsr-3678	159	14	these	these	DET
fsr-3678	159	15	payments	payment	NOUN
fsr-3678	159	16	are	be	AUX
fsr-3678	159	17	equal	equal	ADJ
fsr-3678	159	18	to	to	ADP
fsr-3678	159	19	13	13	NUM
fsr-3678	159	20	monthly	monthly	ADJ
fsr-3678	159	21	payments	payment	NOUN
fsr-3678	159	22	of	of	ADP
fsr-3678	159	23	a	a	DET
fsr-3678	159	24	regular	regular	ADJ
fsr-3678	159	25	monthly	monthly	ADJ
fsr-3678	159	26	-	-	PUNCT
fsr-3678	159	27	payment	payment	NOUN
fsr-3678	159	28	mortgage	mortgage	NOUN
fsr-3678	159	29	.	.	PUNCT
fsr-3678	160	1	the	the	DET
fsr-3678	160	2	extra	extra	ADJ
fsr-3678	160	3	payment	payment	NOUN
fsr-3678	160	4	associated	associate	VERB
fsr-3678	160	5	with	with	ADP
fsr-3678	160	6	the	the	DET
fsr-3678	160	7	biweekly	biweekly	ADJ
fsr-3678	160	8	mortgage	mortgage	NOUN
fsr-3678	160	9	reduces	reduce	VERB
fsr-3678	160	10	the	the	DET
fsr-3678	160	11	term	term	NOUN
fsr-3678	160	12	of	of	ADP
fsr-3678	160	13	a	a	DET
fsr-3678	160	14	30	30	NUM
fsr-3678	160	15	-	-	PUNCT
fsr-3678	160	16	year	year	NOUN
fsr-3678	160	17	mortgage	mortgage	NOUN
fsr-3678	160	18	by	by	ADP
fsr-3678	160	19	about	about	ADV
fsr-3678	160	20	one	one	NUM
fsr-3678	160	21	-	-	PUNCT
fsr-3678	160	22	third	third	NOUN
fsr-3678	160	23	.	.	PUNCT
fsr-3678	161	1	as	as	ADP
fsr-3678	161	2	an	an	DET
fsr-3678	161	3	example	example	NOUN
fsr-3678	161	4	,	,	PUNCT
fsr-3678	161	5	suppose	suppose	VERB
fsr-3678	161	6	you	you	PRON
fsr-3678	161	7	borrow	borrow	VERB
fsr-3678	161	8	$	$	SYM
fsr-3678	161	9	75,000	75,000	NUM
fsr-3678	161	10	at	at	ADP
fsr-3678	161	11	9.75	9.75	NUM
fsr-3678	161	12	%	%	NOUN
fsr-3678	161	13	interest	interest	NOUN
fsr-3678	161	14	for	for	ADP
fsr-3678	161	15	30	30	NUM
fsr-3678	161	16	years	year	NOUN
fsr-3678	161	17	.	.	PUNCT
fsr-3678	162	1	your	your	PRON
fsr-3678	162	2	monthly	monthly	ADJ
fsr-3678	162	3	payment	payment	NOUN
fsr-3678	162	4	would	would	AUX
fsr-3678	162	5	be	be	AUX
fsr-3678	162	6	$	$	SYM
fsr-3678	162	7	644.37	644.37	NUM
fsr-3678	162	8	.	.	PUNCT
fsr-3678	163	1	if	if	SCONJ
fsr-3678	163	2	you	you	PRON
fsr-3678	163	3	make	make	VERB
fsr-3678	163	4	biweekly	biweekly	ADJ
fsr-3678	163	5	payments	payment	NOUN
fsr-3678	163	6	of	of	ADP
fsr-3678	163	7	$	$	SYM
fsr-3678	163	8	322.18	322.18	NUM
fsr-3678	163	9	140	140	NUM
fsr-3678	163	10	financial	financial	ADJ
fsr-3678	163	11	services	service	NOUN
fsr-3678	163	12	review	review	NOUN
fsr-3678	163	13	,	,	PUNCT
fsr-3678	163	14	l(2	l(2	PROPN
fsr-3678	163	15	)	)	PUNCT
fsr-3678	163	16	1991	1991	NUM
fsr-3678	163	17	(	(	PUNCT
fsr-3678	163	18	that	that	PRON
fsr-3678	163	19	is	be	AUX
fsr-3678	163	20	half	half	NOUN
fsr-3678	163	21	of	of	ADP
fsr-3678	163	22	$	$	SYM
fsr-3678	163	23	644.37	644.37	NUM
fsr-3678	163	24	)	)	PUNCT
fsr-3678	163	25	)	)	PUNCT
fsr-3678	164	1	the	the	DET
fsr-3678	164	2	term	term	NOUN
fsr-3678	164	3	of	of	ADP
fsr-3678	164	4	the	the	DET
fsr-3678	164	5	30	30	NUM
fsr-3678	164	6	-	-	PUNCT
fsr-3678	164	7	year	year	NOUN
fsr-3678	164	8	mortgage	mortgage	NOUN
fsr-3678	164	9	would	would	AUX
fsr-3678	164	10	be	be	AUX
fsr-3678	164	11	reduced	reduce	VERB
fsr-3678	164	12	to	to	ADP
fsr-3678	164	13	about	about	ADP
fsr-3678	164	14	21	21	NUM
fsr-3678	164	15	years	year	NOUN
fsr-3678	164	16	.	.	PUNCT
fsr-3678	165	1	the	the	DET
fsr-3678	165	2	monthly	monthly	ADJ
fsr-3678	165	3	-	-	PUNCT
fsr-3678	165	4	payment	payment	NOUN
fsr-3678	165	5	mortgage	mortgage	NOUN
fsr-3678	165	6	involves	involve	VERB
fsr-3678	165	7	smaller	small	ADJ
fsr-3678	165	8	annual	annual	ADJ
fsr-3678	165	9	payments	payment	NOUN
fsr-3678	165	10	and	and	CCONJ
fsr-3678	165	11	offers	offer	VERB
fsr-3678	165	12	larger	large	ADJ
fsr-3678	165	13	annual	annual	ADJ
fsr-3678	165	14	interest	interest	NOUN
fsr-3678	165	15	deductions	deduction	NOUN
fsr-3678	165	16	for	for	ADP
fsr-3678	165	17	tax	tax	NOUN
fsr-3678	165	18	purposes	purpose	NOUN
fsr-3678	165	19	.	.	PUNCT
fsr-3678	166	1	on	on	ADP
fsr-3678	166	2	the	the	DET
fsr-3678	166	3	other	other	ADJ
fsr-3678	166	4	hand	hand	NOUN
fsr-3678	166	5	,	,	PUNCT
fsr-3678	166	6	the	the	DET
fsr-3678	166	7	biweekly	biweekly	ADJ
fsr-3678	166	8	payment	payment	NOUN
fsr-3678	166	9	mortgage	mortgage	NOUN
fsr-3678	166	10	accelerates	accelerate	VERB
fsr-3678	166	11	the	the	DET
fsr-3678	166	12	pay	pay	NOUN
fsr-3678	166	13	-	-	PUNCT
fsr-3678	166	14	off	off	NOUN
fsr-3678	166	15	of	of	ADP
fsr-3678	166	16	the	the	DET
fsr-3678	166	17	mortgage	mortgage	NOUN
fsr-3678	166	18	and	and	CCONJ
fsr-3678	166	19	results	result	NOUN
fsr-3678	166	20	in	in	ADP
fsr-3678	166	21	greater	great	ADJ
fsr-3678	166	22	equity	equity	NOUN
fsr-3678	166	23	for	for	ADP
fsr-3678	166	24	the	the	DET
fsr-3678	166	25	home	home	NOUN
fsr-3678	166	26	buyer	buyer	NOUN
fsr-3678	166	27	overtime	overtime	NOUN
fsr-3678	166	28	.	.	PUNCT
fsr-3678	167	1	given	give	VERB
fsr-3678	167	2	this	this	DET
fsr-3678	167	3	background	background	NOUN
fsr-3678	167	4	information	information	NOUN
fsr-3678	167	5	about	about	ADP
fsr-3678	167	6	the	the	DET
fsr-3678	167	7	monthly	monthly	ADJ
fsr-3678	167	8	-	-	PUNCT
fsr-3678	167	9	payment	payment	NOUN
fsr-3678	167	10	mortgage	mortgage	NOUN
fsr-3678	167	11	and	and	CCONJ
fsr-3678	167	12	the	the	DET
fsr-3678	167	13	biweekly	biweekly	ADJ
fsr-3678	167	14	-	-	PUNCT
fsr-3678	167	15	payment	payment	NOUN
fsr-3678	167	16	mortgage	mortgage	NOUN
fsr-3678	167	17	,	,	PUNCT
fsr-3678	167	18	we	we	PRON
fsr-3678	167	19	would	would	AUX
fsr-3678	167	20	appreciate	appreciate	VERB
fsr-3678	167	21	it	it	PRON
fsr-3678	167	22	if	if	SCONJ
fsr-3678	167	23	you	you	PRON
fsr-3678	167	24	could	could	AUX
fsr-3678	167	25	tell	tell	VERB
fsr-3678	167	26	us	we	PRON
fsr-3678	167	27	which	which	PRON
fsr-3678	167	28	of	of	ADP
fsr-3678	167	29	these	these	DET
fsr-3678	167	30	two	two	NUM
fsr-3678	167	31	types	type	NOUN
fsr-3678	167	32	of	of	ADP
fsr-3678	167	33	mortgages	mortgage	NOUN
fsr-3678	167	34	you	you	PRON
fsr-3678	167	35	would	would	AUX
fsr-3678	167	36	choose	choose	VERB
fsr-3678	167	37	by	by	ADP
fsr-3678	167	38	completing	complete	VERB
fsr-3678	167	39	the	the	DET
fsr-3678	167	40	enclosed	enclose	VERB
fsr-3678	167	41	form	form	NOUN
fsr-3678	167	42	and	and	CCONJ
fsr-3678	167	43	returning	return	VERB
fsr-3678	167	44	it	it	PRON
fsr-3678	167	45	to	to	ADP
fsr-3678	167	46	us	we	PRON
fsr-3678	167	47	in	in	ADP
fsr-3678	167	48	the	the	DET
fsr-3678	167	49	stamped	stamp	VERB
fsr-3678	167	50	,	,	PUNCT
fsr-3678	167	51	self	self	NOUN
fsr-3678	167	52	-	-	PUNCT
fsr-3678	167	53	addressed	address	VERB
fsr-3678	167	54	envelope	envelope	NOUN
fsr-3678	167	55	by	by	ADP
fsr-3678	167	56	february	february	PROPN
fsr-3678	167	57	15	15	NUM
fsr-3678	167	58	,	,	PUNCT
fsr-3678	167	59	1990	1990	NUM
fsr-3678	167	60	.	.	PUNCT
fsr-3678	168	1	as	as	SCONJ
fsr-3678	168	2	you	you	PRON
fsr-3678	168	3	can	can	AUX
fsr-3678	168	4	see	see	VERB
fsr-3678	168	5	,	,	PUNCT
fsr-3678	168	6	the	the	DET
fsr-3678	168	7	form	form	NOUN
fsr-3678	168	8	is	be	AUX
fsr-3678	168	9	completed	complete	VERB
fsr-3678	168	10	anonymously	anonymously	ADV
fsr-3678	168	11	.	.	PUNCT
fsr-3678	169	1	form	form	PROPN
fsr-3678	169	2	i.	i.	PROPN
fsr-3678	169	3	biweekly	biweekly	NOUN
fsr-3678	169	4	vs.	vs.	ADP
fsr-3678	169	5	monthly	monthly	ADJ
fsr-3678	169	6	-	-	PUNCT
fsr-3678	169	7	payment	payment	NOUN
fsr-3678	169	8	mortgages	mortgage	NOUN
fsr-3678	169	9	please	please	INTJ
fsr-3678	169	10	check	check	VERB
fsr-3678	169	11	the	the	DET
fsr-3678	169	12	appropriate	appropriate	ADJ
fsr-3678	169	13	items	item	NOUN
fsr-3678	169	14	below	below	ADV
fsr-3678	169	15	.	.	PUNCT
fsr-3678	170	1	your	your	PRON
fsr-3678	170	2	preference	preference	NOUN
fsr-3678	170	3	0	0	NUM
fsr-3678	170	4	monthly	monthly	ADJ
fsr-3678	170	5	-	-	PUNCT
fsr-3678	170	6	payment	payment	NOUN
fsr-3678	170	7	mortgage	mortgage	NOUN
fsr-3678	170	8	•i	•i	NOUN
fsr-3678	170	9	biweekly	biweekly	ADJ
fsr-3678	170	10	-	-	PUNCT
fsr-3678	170	11	payment	payment	NOUN
fsr-3678	170	12	mortgage	mortgage	NOUN
fsr-3678	170	13	your	your	PRON
fsr-3678	170	14	pay	pay	NOUN
fsr-3678	170	15	checks	check	NOUN
fsr-3678	170	16	received	receive	VERB
fsr-3678	170	17	0	0	NUM
fsr-3678	170	18	biweekly	biweekly	NOUN
fsr-3678	170	19	0	0	NUM
fsr-3678	170	20	monthly	monthly	ADJ
fsr-3678	170	21	0	0	NUM
fsr-3678	170	22	other	other	ADJ
fsr-3678	170	23	your	your	PRON
fsr-3678	170	24	annual	annual	ADJ
fsr-3678	170	25	cl	cl	NOUN
fsr-3678	170	26	under	under	ADP
fsr-3678	170	27	$	$	SYM
fsr-3678	170	28	35,000	35,000	NUM
fsr-3678	170	29	0	0	NUM
fsr-3678	170	30	$	$	SYM
fsr-3678	170	31	35,ooo-70,000	35,ooo-70,000	NUM
fsr-3678	170	32	gross	gross	ADJ
fsr-3678	170	33	income	income	NOUN
fsr-3678	170	34	0	0	NUM
fsr-3678	170	35	over	over	ADP
fsr-3678	170	36	$	$	SYM
fsr-3678	170	37	70,000	70,000	NUM
fsr-3678	170	38	age	age	NOUN
fsr-3678	170	39	in	in	ADP
fsr-3678	170	40	years	year	NOUN
fsr-3678	170	41	education	education	NOUN
fsr-3678	170	42	completed	complete	VERB
fsr-3678	170	43	cl	cl	NOUN
fsr-3678	170	44	less	less	ADJ
fsr-3678	170	45	than	than	ADP
fsr-3678	170	46	high	high	ADJ
fsr-3678	170	47	school	school	NOUN
fsr-3678	170	48	cl	cl	NOUN
fsr-3678	170	49	high	high	ADJ
fsr-3678	170	50	school	school	NOUN
fsr-3678	170	51	cl	cl	NOUN
fsr-3678	170	52	college	college	NOUN
fsr-3678	170	53	net	net	ADJ
fsr-3678	170	54	worth	worth	ADJ
fsr-3678	170	55	*	*	PUNCT
fsr-3678	170	56	cl	cl	NOUN
fsr-3678	170	57	under	under	ADP
fsr-3678	170	58	$	$	SYM
fsr-3678	170	59	100,000	100,000	NUM
fsr-3678	170	60	0	0	NUM
fsr-3678	170	61	$	$	SYM
fsr-3678	170	62	loo	loo	NOUN
fsr-3678	170	63	,	,	PUNCT
fsr-3678	170	64	ooo-300,000	ooo-300,000	ADJ
fsr-3678	170	65	cl	cl	NOUN
fsr-3678	170	66	over	over	ADP
fsr-3678	170	67	$	$	SYM
fsr-3678	170	68	300,000	300,000	NUM
fsr-3678	170	69	marital	marital	ADJ
fsr-3678	170	70	status	status	NOUN
fsr-3678	170	71	0	0	NUM
fsr-3678	170	72	married	married	ADJ
fsr-3678	170	73	0	0	NUM
fsr-3678	170	74	single	single	ADJ
fsr-3678	170	75	,	,	PUNCT
fsr-3678	170	76	divorced	divorce	VERB
fsr-3678	170	77	,	,	PUNCT
fsr-3678	170	78	widowed	widow	VERB
fsr-3678	170	79	*	*	PUNCT
fsr-3678	170	80	net	net	ADJ
fsr-3678	170	81	worth	worth	NOUN
fsr-3678	170	82	is	be	AUX
fsr-3678	170	83	the	the	DET
fsr-3678	170	84	amount	amount	NOUN
fsr-3678	170	85	you	you	PRON
fsr-3678	170	86	would	would	AUX
fsr-3678	170	87	be	be	AUX
fsr-3678	170	88	left	leave	VERB
fsr-3678	170	89	with	with	ADP
fsr-3678	170	90	if	if	SCONJ
fsr-3678	170	91	you	you	PRON
fsr-3678	170	92	sold	sell	VERB
fsr-3678	170	93	all	all	DET
fsr-3678	170	94	your	your	PRON
fsr-3678	170	95	assets	asset	NOUN
fsr-3678	170	96	and	and	CCONJ
fsr-3678	170	97	paid	pay	VERB
fsr-3678	170	98	off	off	ADP
fsr-3678	170	99	all	all	DET
fsr-3678	170	100	your	your	PRON
fsr-3678	170	101	debts	debt	NOUN
fsr-3678	170	102	.	.	PUNCT
fsr-3678	171	1	please	please	INTJ
fsr-3678	171	2	return	return	VERB
fsr-3678	171	3	the	the	DET
fsr-3678	171	4	completed	complete	VERB
fsr-3678	171	5	form	form	NOUN
fsr-3678	171	6	in	in	ADP
fsr-3678	171	7	the	the	DET
fsr-3678	171	8	enclosed	enclose	VERB
fsr-3678	171	9	,	,	PUNCT
fsr-3678	171	10	self	self	NOUN
fsr-3678	171	11	addressed	address	VERB
fsr-3678	171	12	,	,	PUNCT
fsr-3678	171	13	stamped	stamped	ADJ
fsr-3678	171	14	envelope	envelope	NOUN
fsr-3678	171	15	.	.	PUNCT
fsr-3678	172	1	comparing	compare	VERB
fsr-3678	172	2	mortgages	mortgage	NOUN
fsr-3678	172	3	with	with	ADP
fsr-3678	172	4	different	different	ADJ
fsr-3678	172	5	payment	payment	NOUN
fsr-3678	172	6	frequencies	frequency	NOUN
fsr-3678	172	7	141	141	NUM
fsr-3678	172	8	form	form	NOUN
fsr-3678	172	9	2	2	NUM
fsr-3678	172	10	.	.	PUNCT
fsr-3678	172	11	prepayment	prepayment	NOUN
fsr-3678	172	12	options	option	NOUN
fsr-3678	172	13	if	if	SCONJ
fsr-3678	172	14	you	you	PRON
fsr-3678	172	15	already	already	ADV
fsr-3678	172	16	have	have	VERB
fsr-3678	172	17	a	a	DET
fsr-3678	172	18	mortgage	mortgage	NOUN
fsr-3678	172	19	,	,	PUNCT
fsr-3678	172	20	you	you	PRON
fsr-3678	172	21	may	may	AUX
fsr-3678	172	22	be	be	AUX
fsr-3678	172	23	able	able	ADJ
fsr-3678	172	24	to	to	PART
fsr-3678	172	25	reduce	reduce	VERB
fsr-3678	172	26	the	the	DET
fsr-3678	172	27	term	term	NOUN
fsr-3678	172	28	of	of	ADP
fsr-3678	172	29	your	your	PRON
fsr-3678	172	30	mortgage	mortgage	NOUN
fsr-3678	172	31	without	without	ADP
fsr-3678	172	32	refinancing	refinance	VERB
fsr-3678	172	33	if	if	SCONJ
fsr-3678	172	34	your	your	PRON
fsr-3678	172	35	lender	lender	NOUN
fsr-3678	172	36	allows	allow	VERB
fsr-3678	172	37	partial	partial	ADJ
fsr-3678	172	38	prepayments	prepayment	NOUN
fsr-3678	172	39	without	without	ADP
fsr-3678	172	40	penalty	penalty	NOUN
fsr-3678	172	41	.	.	PUNCT
fsr-3678	173	1	there	there	PRON
fsr-3678	173	2	are	be	VERB
fsr-3678	173	3	various	various	ADJ
fsr-3678	173	4	prepayment	prepayment	NOUN
fsr-3678	173	5	options	option	NOUN
fsr-3678	173	6	.	.	PUNCT
fsr-3678	174	1	you	you	PRON
fsr-3678	174	2	could	could	AUX
fsr-3678	174	3	make	make	VERB
fsr-3678	174	4	additional	additional	ADJ
fsr-3678	174	5	principal	principal	ADJ
fsr-3678	174	6	payments	payment	NOUN
fsr-3678	174	7	monthly	monthly	ADV
fsr-3678	174	8	,	,	PUNCT
fsr-3678	174	9	quarterly	quarterly	ADJ
fsr-3678	174	10	,	,	PUNCT
fsr-3678	174	11	semi	semi	ADJ
fsr-3678	174	12	-	-	ADJ
fsr-3678	174	13	annually	annually	ADV
fsr-3678	174	14	or	or	CCONJ
fsr-3678	174	15	annually	annually	ADV
fsr-3678	174	16	.	.	PUNCT
fsr-3678	175	1	you	you	PRON
fsr-3678	175	2	could	could	AUX
fsr-3678	175	3	also	also	ADV
fsr-3678	175	4	make	make	VERB
fsr-3678	175	5	lump	lump	NOUN
fsr-3678	175	6	-	-	PUNCT
fsr-3678	175	7	sum	sum	NOUN
fsr-3678	175	8	payments	payment	NOUN
fsr-3678	175	9	.	.	PUNCT
fsr-3678	176	1	for	for	ADP
fsr-3678	176	2	a	a	DET
fsr-3678	176	3	free	free	ADJ
fsr-3678	176	4	evaluation	evaluation	NOUN
fsr-3678	176	5	of	of	ADP
fsr-3678	176	6	various	various	ADJ
fsr-3678	176	7	prepayment	prepayment	NOUN
fsr-3678	176	8	options	option	NOUN
fsr-3678	176	9	,	,	PUNCT
fsr-3678	176	10	fill	fill	VERB
fsr-3678	176	11	the	the	DET
fsr-3678	176	12	blanks	blank	NOUN
fsr-3678	176	13	below	below	ADV
fsr-3678	176	14	and	and	CCONJ
fsr-3678	176	15	we	we	PRON
fsr-3678	176	16	would	would	AUX
fsr-3678	176	17	be	be	AUX
fsr-3678	176	18	glad	glad	ADJ
fsr-3678	176	19	to	to	PART
fsr-3678	176	20	prepare	prepare	VERB
fsr-3678	176	21	a	a	DET
fsr-3678	176	22	customized	customized	ADJ
fsr-3678	176	23	evaluation	evaluation	NOUN
fsr-3678	176	24	.	.	PUNCT
fsr-3678	177	1	you	you	PRON
fsr-3678	177	2	may	may	AUX
fsr-3678	177	3	get	get	VERB
fsr-3678	177	4	some	some	PRON
fsr-3678	177	5	of	of	ADP
fsr-3678	177	6	the	the	DET
fsr-3678	177	7	informa	informa	ADJ
fsr-3678	177	8	tion	tion	NOUN
fsr-3678	177	9	requested	request	VERB
fsr-3678	177	10	from	from	ADP
fsr-3678	177	11	your	your	PRON
fsr-3678	177	12	mortgage	mortgage	NOUN
fsr-3678	177	13	documents	document	NOUN
fsr-3678	177	14	or	or	CCONJ
fsr-3678	177	15	your	your	PRON
fsr-3678	177	16	bank	bank	NOUN
fsr-3678	177	17	.	.	PUNCT
fsr-3678	178	1	item	item	NOUN
fsr-3678	178	2	amount	amount	NOUN
fsr-3678	178	3	current	current	ADJ
fsr-3678	178	4	loan	loan	NOUN
fsr-3678	178	5	balance	balance	NOUN
fsr-3678	178	6	remaining	remain	VERB
fsr-3678	178	7	term	term	NOUN
fsr-3678	178	8	of	of	ADP
fsr-3678	178	9	the	the	DET
fsr-3678	178	10	loan	loan	NOUN
fsr-3678	178	11	in	in	ADP
fsr-3678	178	12	years	year	NOUN
fsr-3678	178	13	annual	annual	ADJ
fsr-3678	178	14	interest	interest	NOUN
fsr-3678	178	15	rate	rate	NOUN
fsr-3678	178	16	(	(	PUNCT
fsr-3678	178	17	note	note	NOUN
fsr-3678	178	18	rate	rate	NOUN
fsr-3678	178	19	)	)	PUNCT
fsr-3678	178	20	in	in	ADP
fsr-3678	178	21	%	%	NOUN
fsr-3678	178	22	current	current	ADJ
fsr-3678	178	23	principal	principal	NOUN
fsr-3678	178	24	&	&	CCONJ
fsr-3678	178	25	interest	interest	NOUN
fsr-3678	178	26	payment	payment	NOUN
fsr-3678	178	27	amount	amount	NOUN
fsr-3678	178	28	of	of	ADP
fsr-3678	178	29	additional	additional	ADJ
fsr-3678	178	30	principal	principal	ADJ
fsr-3678	178	31	payments	payment	NOUN
fsr-3678	178	32	you	you	PRON
fsr-3678	178	33	wish	wish	VERB
fsr-3678	178	34	to	to	PART
fsr-3678	178	35	make	make	VERB
fsr-3678	178	36	(	(	PUNCT
fsr-3678	178	37	you	you	PRON
fsr-3678	178	38	may	may	AUX
fsr-3678	178	39	fill	fill	VERB
fsr-3678	178	40	one	one	NUM
fsr-3678	178	41	or	or	CCONJ
fsr-3678	178	42	more	more	ADJ
fsr-3678	178	43	blanks	blank	NOUN
fsr-3678	178	44	)	)	PUNCT
fsr-3678	178	45	prepayment	prepayment	NOUN
fsr-3678	178	46	plan	plan	NOUN
fsr-3678	178	47	amount	amount	NOUN
fsr-3678	178	48	one	one	NUM
fsr-3678	178	49	-	-	PUNCT
fsr-3678	178	50	time	time	NOUN
fsr-3678	178	51	,	,	PUNCT
fsr-3678	178	52	lump	lump	NOUN
fsr-3678	178	53	-	-	PUNCT
fsr-3678	178	54	sum	sum	NOUN
fsr-3678	178	55	monthly	monthly	ADJ
fsr-3678	178	56	quarterly	quarterly	ADJ
fsr-3678	178	57	semi	semi	ADJ
fsr-3678	178	58	-	-	ADJ
fsr-3678	178	59	annual	annual	ADJ
fsr-3678	178	60	annual	annual	ADJ
fsr-3678	178	61	note	note	NOUN
fsr-3678	178	62	:	:	PUNCT
fsr-3678	178	63	for	for	ADP
fsr-3678	178	64	purposes	purpose	NOUN
fsr-3678	178	65	of	of	ADP
fsr-3678	178	66	anonymity	anonymity	NOUN
fsr-3678	178	67	,	,	PUNCT
fsr-3678	178	68	please	please	INTJ
fsr-3678	178	69	return	return	VERB
fsr-3678	178	70	this	this	DET
fsr-3678	178	71	form	form	NOUN
fsr-3678	178	72	in	in	ADP
fsr-3678	178	73	a	a	DET
fsr-3678	178	74	separate	separate	ADJ
fsr-3678	178	75	envelope	envelope	NOUN
fsr-3678	178	76	.	.	PUNCT
fsr-3678	179	1	acknowledgments	acknowledgment	NOUN
fsr-3678	179	2	:	:	PUNCT
fsr-3678	179	3	the	the	DET
fsr-3678	179	4	author	author	NOUN
fsr-3678	179	5	wishes	wish	VERB
fsr-3678	179	6	to	to	PART
fsr-3678	179	7	thank	thank	VERB
fsr-3678	179	8	the	the	DET
fsr-3678	179	9	campus	campus	NOUN
fsr-3678	179	10	grants	grant	NOUN
fsr-3678	179	11	commit	commit	VERB
fsr-3678	179	12	tee	tee	NOUN
fsr-3678	179	13	of	of	ADP
fsr-3678	179	14	the	the	DET
fsr-3678	179	15	university	university	PROPN
fsr-3678	179	16	of	of	ADP
fsr-3678	179	17	michigan	michigan	PROPN
fsr-3678	179	18	-	-	PUNCT
fsr-3678	179	19	dearborn	dearborn	PROPN
fsr-3678	179	20	for	for	ADP
fsr-3678	179	21	financial	financial	ADJ
fsr-3678	179	22	support	support	NOUN
fsr-3678	179	23	.	.	PUNCT
fsr-3678	180	1	references	reference	NOUN
fsr-3678	180	2	brueckner	brueckner	NOUN
fsr-3678	180	3	,	,	PUNCT
fsr-3678	180	4	jan	jan	PROPN
fsr-3678	180	5	k.	k.	PROPN
fsr-3678	180	6	,	,	PUNCT
fsr-3678	180	7	and	and	CCONJ
fsr-3678	180	8	james	james	PROPN
fsr-3678	180	9	r.	r.	PROPN
fsr-3678	180	10	follain	follain	PROPN
fsr-3678	180	11	.	.	PUNCT
fsr-3678	181	1	1988	1988	NUM
fsr-3678	181	2	.	.	PUNCT
fsr-3678	182	1	“	"	PUNCT
fsr-3678	182	2	the	the	DET
fsr-3678	182	3	rise	rise	NOUN
fsr-3678	182	4	and	and	CCONJ
fsr-3678	182	5	fall	fall	NOUN
fsr-3678	182	6	of	of	ADP
fsr-3678	182	7	the	the	DET
fsr-3678	182	8	arm	arm	NOUN
fsr-3678	182	9	:	:	PUNCT
fsr-3678	182	10	an	an	DET
fsr-3678	182	11	econometric	econometric	ADJ
fsr-3678	182	12	analysis	analysis	NOUN
fsr-3678	182	13	of	of	ADP
fsr-3678	182	14	mortgage	mortgage	NOUN
fsr-3678	182	15	choice	choice	NOUN
fsr-3678	182	16	,	,	PUNCT
fsr-3678	182	17	”	"	PUNCT
fsr-3678	182	18	review	review	NOUN
fsr-3678	182	19	of	of	ADP
fsr-3678	182	20	economics	economic	NOUN
fsr-3678	182	21	and	and	CCONJ
fsr-3678	182	22	statistics	statistic	NOUN
fsr-3678	182	23	,	,	PUNCT
fsr-3678	182	24	february	february	PROPN
fsr-3678	182	25	:	:	PUNCT
fsr-3678	182	26	93	93	NUM
fsr-3678	182	27	-	-	SYM
fsr-3678	182	28	102	102	NUM
fsr-3678	182	29	.	.	PUNCT
fsr-3678	183	1	chmura	chmura	PROPN
fsr-3678	183	2	,	,	PUNCT
fsr-3678	183	3	christine	christine	PROPN
fsr-3678	183	4	.	.	PUNCT
fsr-3678	183	5	1989	1989	NUM
fsr-3678	183	6	.	.	PUNCT
fsr-3678	184	1	“	"	PUNCT
fsr-3678	184	2	choosing	choose	VERB
fsr-3678	184	3	between	between	ADP
fsr-3678	184	4	an	an	DET
fsr-3678	184	5	adjustable	adjustable	ADJ
fsr-3678	184	6	rate	rate	NOUN
fsr-3678	184	7	and	and	CCONJ
fsr-3678	184	8	a	a	DET
fsr-3678	184	9	fixed	fix	VERB
fsr-3678	184	10	rate	rate	NOUN
fsr-3678	184	11	mortgage	mortgage	NOUN
fsr-3678	184	12	,	,	PUNCT
fsr-3678	184	13	”	"	PUNCT
fsr-3678	184	14	pp	pp	NOUN
fsr-3678	184	15	.	.	PUNCT
fsr-3678	185	1	6	6	NUM
fsr-3678	185	2	8	8	NUM
fsr-3678	185	3	in	in	ADP
fsr-3678	185	4	federal	federal	PROPN
fsr-3678	185	5	reserve	reserve	PROPN
fsr-3678	185	6	bank	bank	PROPN
fsr-3678	185	7	of	of	ADP
fsr-3678	185	8	dallas	dallas	PROPN
fsr-3678	185	9	,	,	PUNCT
fsr-3678	185	10	cross	cross	NOUN
fsr-3678	185	11	section	section	NOUN
fsr-3678	185	12	,	,	PUNCT
fsr-3678	185	13	summer	summer	NOUN
fsr-3678	185	14	.	.	PUNCT
fsr-3678	186	1	142	142	NUM
fsr-3678	186	2	financial	financial	ADJ
fsr-3678	186	3	services	service	NOUN
fsr-3678	186	4	review	review	NOUN
fsr-3678	186	5	,	,	PUNCT
fsr-3678	186	6	l(2	l(2	PROPN
fsr-3678	186	7	)	)	PUNCT
fsr-3678	186	8	1991	1991	NUM
fsr-3678	186	9	debat	debat	NOUN
fsr-3678	186	10	,	,	PUNCT
fsr-3678	186	11	don	don	PROPN
fsr-3678	186	12	.	.	PUNCT
fsr-3678	187	1	1986	1986	NUM
fsr-3678	187	2	.	.	PUNCT
fsr-3678	188	1	the	the	DET
fsr-3678	188	2	mortgage	mortgage	NOUN
fsr-3678	188	3	manual	manual	NOUN
fsr-3678	188	4	.	.	PUNCT
fsr-3678	189	1	chicago	chicago	PROPN
fsr-3678	189	2	:	:	PUNCT
fsr-3678	189	3	contemporary	contemporary	ADJ
fsr-3678	189	4	press	press	NOUN
fsr-3678	189	5	.	.	PUNCT
fsr-3678	190	1	dhillon	dhillon	PROPN
fsr-3678	190	2	,	,	PUNCT
fsr-3678	190	3	upinder	upinder	NOUN
fsr-3678	190	4	,	,	PUNCT
fsr-3678	190	5	james	james	PROPN
fsr-3678	190	6	shilling	shilling	PROPN
fsr-3678	190	7	,	,	PUNCT
fsr-3678	190	8	and	and	CCONJ
fsr-3678	190	9	c.f	c.f	PROPN
fsr-3678	190	10	.	.	PROPN
fsr-3678	190	11	sirmans	sirmans	PROPN
fsr-3678	190	12	.	.	PUNCT
fsr-3678	190	13	1987	1987	NUM
fsr-3678	190	14	.	.	PUNCT
fsr-3678	191	1	“	"	PUNCT
fsr-3678	191	2	choosing	choose	VERB
fsr-3678	191	3	between	between	ADP
fsr-3678	191	4	fixed	fix	VERB
fsr-3678	191	5	and	and	CCONJ
fsr-3678	191	6	adjustable	adjustable	ADJ
fsr-3678	191	7	rate	rate	NOUN
fsr-3678	191	8	mortgages	mortgage	NOUN
fsr-3678	191	9	,	,	PUNCT
fsr-3678	191	10	”	"	PUNCT
fsr-3678	191	11	journal	journal	NOUN
fsr-3678	191	12	of	of	ADP
fsr-3678	191	13	money	money	NOUN
fsr-3678	191	14	,	,	PUNCT
fsr-3678	191	15	credit	credit	NOUN
fsr-3678	191	16	and	and	CCONJ
fsr-3678	191	17	banking	banking	NOUN
fsr-3678	191	18	,	,	PUNCT
fsr-3678	191	19	february	february	PROPN
fsr-3678	191	20	:	:	PUNCT
fsr-3678	191	21	260	260	NUM
fsr-3678	191	22	-	-	SYM
fsr-3678	191	23	267	267	NUM
fsr-3678	191	24	.	.	PUNCT
fsr-3678	192	1	dhillon	dhillon	PROPN
fsr-3678	192	2	,	,	PUNCT
fsr-3678	192	3	upinder	upinder	NOUN
fsr-3678	192	4	,	,	PUNCT
fsr-3678	192	5	james	james	PROPN
fsr-3678	192	6	shilling	shilling	PROPN
fsr-3678	192	7	,	,	PUNCT
fsr-3678	192	8	and	and	CCONJ
fsr-3678	192	9	c.f	c.f	PROPN
fsr-3678	192	10	.	.	PROPN
fsr-3678	192	11	sirmans	sirmans	PROPN
fsr-3678	192	12	.	.	PUNCT
fsr-3678	192	13	1990	1990	NUM
fsr-3678	192	14	.	.	PUNCT
fsr-3678	193	1	“	"	PUNCT
fsr-3678	193	2	the	the	DET
fsr-3678	193	3	mortgage	mortgage	NOUN
fsr-3678	193	4	maturity	maturity	NOUN
fsr-3678	193	5	decision	decision	NOUN
fsr-3678	193	6	:	:	PUNCT
fsr-3678	193	7	the	the	DET
fsr-3678	193	8	choice	choice	NOUN
fsr-3678	193	9	between	between	ADP
fsr-3678	193	10	15yearand	15yearand	NUM
fsr-3678	193	11	30	30	NUM
fsr-3678	193	12	-	-	PUNCT
fsr-3678	193	13	year	year	NOUN
fsr-3678	193	14	frms	frm	NOUN
fsr-3678	193	15	,	,	PUNCT
fsr-3678	193	16	”	"	PUNCT
fsr-3678	193	17	southern	southern	PROPN
fsr-3678	193	18	economicjournal	economicjournal	ADJ
fsr-3678	193	19	,	,	PUNCT
fsr-3678	193	20	april	april	PROPN
fsr-3678	193	21	:	:	PUNCT
fsr-3678	193	22	1103	1103	NUM
fsr-3678	193	23	-	-	SYM
fsr-3678	193	24	i	i	PRON
fsr-3678	193	25	116	116	NUM
fsr-3678	193	26	.	.	PUNCT
fsr-3678	194	1	gardner	gardner	PROPN
fsr-3678	194	2	,	,	PUNCT
fsr-3678	194	3	mona	mona	PROPN
fsr-3678	194	4	j.	j.	PROPN
fsr-3678	194	5	,	,	PUNCT
fsr-3678	194	6	han	han	PROPN
fsr-3678	194	7	bin	bin	PROPN
fsr-3678	194	8	kang	kang	PROPN
fsr-3678	194	9	,	,	PUNCT
fsr-3678	194	10	and	and	CCONJ
fsr-3678	194	11	dixie	dixie	PROPN
fsr-3678	194	12	l.	l.	PROPN
fsr-3678	194	13	mills	mills	PROPN
fsr-3678	194	14	.	.	PUNCT
fsr-3678	194	15	1987	1987	NUM
fsr-3678	194	16	.	.	PUNCT
fsr-3678	195	1	“	"	PUNCT
fsr-3678	195	2	consumer	consumer	NOUN
fsr-3678	195	3	profiles	profile	NOUN
fsr-3678	195	4	and	and	CCONJ
fsr-3678	195	5	acceptance	acceptance	NOUN
fsr-3678	195	6	of	of	ADP
fsr-3678	195	7	arm	arm	NOUN
fsr-3678	195	8	features	feature	NOUN
fsr-3678	195	9	:	:	PUNCT
fsr-3678	195	10	an	an	DET
fsr-3678	195	11	application	application	NOUN
fsr-3678	195	12	of	of	ADP
fsr-3678	195	13	logit	logit	PROPN
fsr-3678	195	14	regression	regression	NOUN
fsr-3678	195	15	,	,	PUNCT
fsr-3678	195	16	”	"	PUNCT
fsr-3678	195	17	journal	journal	NOUN
fsr-3678	195	18	ofreal	ofreal	ADJ
fsr-3678	195	19	estate	estate	NOUN
fsr-3678	195	20	research	research	NOUN
fsr-3678	195	21	,	,	PUNCT
fsr-3678	195	22	winter	winter	NOUN
fsr-3678	195	23	:	:	PUNCT
fsr-3678	195	24	63	63	NUM
fsr-3678	195	25	-	-	SYM
fsr-3678	195	26	74	74	NUM
fsr-3678	195	27	.	.	PUNCT
fsr-3678	196	1	rossi	rossi	PROPN
fsr-3678	196	2	,	,	PUNCT
fsr-3678	196	3	peter	peter	PROPN
fsr-3678	196	4	,	,	PUNCT
fsr-3678	196	5	j.	j.	PROPN
fsr-3678	196	6	wright	wright	PROPN
fsr-3678	196	7	,	,	PUNCT
fsr-3678	196	8	and	and	CCONJ
fsr-3678	196	9	a.	a.	PROPN
fsr-3678	196	10	anderson	anderson	PROPN
fsr-3678	196	11	.	.	PUNCT
fsr-3678	197	1	1983	1983	NUM
fsr-3678	197	2	.	.	PUNCT
fsr-3678	198	1	handbookofsurvey	handbookofsurvey	VERB
fsr-3678	198	2	research	research	NOUN
fsr-3678	198	3	.	.	PUNCT
fsr-3678	199	1	new	new	PROPN
fsr-3678	199	2	york	york	PROPN
fsr-3678	199	3	:	:	PUNCT
fsr-3678	199	4	academic	academic	ADJ
fsr-3678	199	5	press	press	NOUN
fsr-3678	199	6	.	.	PUNCT
fsr-3678	200	1	shilling	shilling	PROPN
fsr-3678	200	2	,	,	PUNCT
fsr-3678	200	3	j.d	j.d	PROPN
fsr-3678	200	4	.	.	PROPN
fsr-3678	200	5	,	,	PUNCT
fsr-3678	200	6	and	and	CCONJ
fsr-3678	200	7	c.f	c.f	PROPN
fsr-3678	200	8	.	.	PROPN
fsr-3678	200	9	sirmans	sirmans	PROPN
fsr-3678	200	10	.	.	PUNCT
fsr-3678	200	11	1987	1987	NUM
fsr-3678	200	12	.	.	PUNCT
fsr-3678	201	1	“	"	PUNCT
fsr-3678	201	2	pricing	price	VERB
fsr-3678	201	3	fast	fast	ADJ
fsr-3678	201	4	-	-	PUNCT
fsr-3678	201	5	pay	pay	NOUN
fsr-3678	201	6	mortgages	mortgage	NOUN
fsr-3678	201	7	:	:	PUNCT
fsr-3678	201	8	some	some	DET
fsr-3678	201	9	simulation	simulation	NOUN
fsr-3678	201	10	results	result	VERB
fsr-3678	201	11	,	,	PUNCT
fsr-3678	201	12	”	"	PUNCT
fsr-3678	201	13	journal	journal	NOUN
fsr-3678	201	14	of	of	ADP
fsr-3678	201	15	financial	financial	ADJ
fsr-3678	201	16	research	research	NOUN
fsr-3678	201	17	,	,	PUNCT
fsr-3678	201	18	spring	spring	NOUN
fsr-3678	201	19	:	:	PUNCT
fsr-3678	201	20	25	25	NUM
fsr-3678	201	21	-	-	SYM
fsr-3678	201	22	32	32	NUM
fsr-3678	201	23	.	.	PUNCT
fsr-3678	202	1	tucker	tucker	PROPN
fsr-3678	202	2	,	,	PUNCT
fsr-3678	202	3	michael	michael	PROPN
fsr-3678	202	4	.	.	PROPN
fsr-3678	202	5	1989	1989	NUM
fsr-3678	202	6	.	.	PUNCT
fsr-3678	203	1	“	"	PUNCT
fsr-3678	203	2	adjustable	adjustable	ADJ
fsr-3678	203	3	rate	rate	NOUN
fsr-3678	203	4	and	and	CCONJ
fsr-3678	203	5	fixed	fix	VERB
fsr-3678	203	6	rate	rate	NOUN
fsr-3678	203	7	mortgage	mortgage	NOUN
fsr-3678	203	8	choice	choice	NOUN
fsr-3678	203	9	:	:	PUNCT
fsr-3678	203	10	a	a	DET
fsr-3678	203	11	logit	logit	NOUN
fsr-3678	203	12	analysis	analysis	NOUN
fsr-3678	203	13	,	,	PUNCT
fsr-3678	203	14	”	"	PUNCT
fsr-3678	203	15	journal	journal	NOUN
fsr-3678	203	16	of	of	ADP
fsr-3678	203	17	real	real	ADJ
fsr-3678	203	18	estate	estate	NOUN
fsr-3678	203	19	research	research	NOUN
fsr-3678	203	20	,	,	PUNCT
fsr-3678	203	21	spring	spring	NOUN
fsr-3678	203	22	:	:	PUNCT
fsr-3678	203	23	81	81	NUM
fsr-3678	203	24	-	-	SYM
fsr-3678	203	25	90	90	NUM
fsr-3678	203	26	.	.	PUNCT
fsr-3678	204	1	yohannes	yohanne	NOUN
fsr-3678	204	2	,	,	PUNCT
fsr-3678	204	3	a.g	a.g	PROPN
fsr-3678	204	4	.	.	PROPN
fsr-3678	204	5	1986	1986	NUM
fsr-3678	204	6	.	.	PUNCT
fsr-3678	205	1	“	"	PUNCT
fsr-3678	205	2	comparing	compare	VERB
fsr-3678	205	3	mortgages	mortgage	NOUN
fsr-3678	205	4	with	with	ADP
fsr-3678	205	5	different	different	ADJ
fsr-3678	205	6	terms	term	NOUN
fsr-3678	205	7	,	,	PUNCT
fsr-3678	205	8	”	"	PUNCT
fsr-3678	205	9	real	real	ADJ
fsr-3678	205	10	estate	estate	NOUN
fsr-3678	205	11	review	review	NOUN
fsr-3678	205	12	,	,	PUNCT
fsr-3678	205	13	fall	fall	VERB
fsr-3678	205	14	:	:	PUNCT
fsr-3678	205	15	93	93	NUM
fsr-3678	205	16	96	96	NUM
fsr-3678	205	17	.	.	PUNCT
fsr-3678	206	1	yohannes	yohanne	NOUN
fsr-3678	206	2	,	,	PUNCT
fsr-3678	206	3	a.g	a.g	PROPN
fsr-3678	206	4	.	.	PROPN
fsr-3678	206	5	1988	1988	NUM
fsr-3678	206	6	.	.	PUNCT
fsr-3678	207	1	“	"	PUNCT
fsr-3678	207	2	evaluating	evaluate	VERB
fsr-3678	207	3	alternative	alternative	ADJ
fsr-3678	207	4	fast	fast	ADJ
fsr-3678	207	5	-	-	PUNCT
fsr-3678	207	6	pay	pay	NOUN
fsr-3678	207	7	mortgages	mortgage	NOUN
fsr-3678	207	8	,	,	PUNCT
fsr-3678	207	9	”	"	PUNCT
fsr-3678	207	10	journal	journal	NOUN
fsr-3678	207	11	of	of	ADP
fsr-3678	207	12	real	real	ADJ
fsr-3678	207	13	estate	estate	NOUN
fsr-3678	207	14	research	research	NOUN
fsr-3678	207	15	,	,	PUNCT
fsr-3678	207	16	fall	fall	NOUN
fsr-3678	207	17	:	:	PUNCT
fsr-3678	207	18	23	23	NUM
fsr-3678	207	19	-	-	SYM
fsr-3678	207	20	29	29	NUM
fsr-3678	207	21	.	.	PUNCT