id	sid	tid	token	lemma	pos
fsr-3700	1	1	pii	pii	PROPN
fsr-3700	1	2	:	:	PUNCT
fsr-3700	1	3	1057	1057	NUM
fsr-3700	1	4	-	-	SYM
fsr-3700	1	5	0810(91)90054	0810(91)90054	NUM
fsr-3700	1	6	-	-	PUNCT
fsr-3700	1	7	3	3	NUM
fsr-3700	1	8	187	187	NUM
fsr-3700	1	9	index	index	NOUN
fsr-3700	1	10	volume	volume	NOUN
fsr-3700	1	11	1,1991/1992	1,1991/1992	NUM
fsr-3700	1	12	authors	author	NOUN
fsr-3700	1	13	chinloy	chinloy	VERB
fsr-3700	1	14	,	,	PUNCT
fsr-3700	1	15	peter	peter	PROPN
fsr-3700	1	16	,	,	PUNCT
fsr-3700	1	17	“	"	PUNCT
fsr-3700	1	18	real	real	ADJ
fsr-3700	1	19	estate	estate	NOUN
fsr-3700	1	20	income	income	NOUN
fsr-3700	1	21	and	and	CCONJ
fsr-3700	1	22	relocation	relocation	NOUN
fsr-3700	1	23	,	,	PUNCT
fsr-3700	1	24	”	"	PUNCT
fsr-3700	1	25	l(1	l(1	PROPN
fsr-3700	1	26	):	):	PUNCT
fsr-3700	1	27	45	45	NUM
fsr-3700	1	28	-	-	SYM
fsr-3700	1	29	59	59	NUM
fsr-3700	1	30	cox	cox	PROPN
fsr-3700	1	31	,	,	PUNCT
fsr-3700	1	32	larry	larry	PROPN
fsr-3700	1	33	,	,	PUNCT
fsr-3700	1	34	“	"	PUNCT
fsr-3700	1	35	review	review	NOUN
fsr-3700	1	36	:	:	PUNCT
fsr-3700	1	37	disability	disability	NOUN
fsr-3700	1	38	income	income	NOUN
fsr-3700	1	39	insurance	insurance	NOUN
fsr-3700	1	40	and	and	CCONJ
fsr-3700	1	41	the	the	DET
fsr-3700	1	42	individual	individual	NOUN
fsr-3700	1	43	,	,	PUNCT
fsr-3700	1	44	”	"	PUNCT
fsr-3700	1	45	l(1	l(1	PROPN
fsr-3700	1	46	):	):	PUNCT
fsr-3700	1	47	61	61	NUM
fsr-3700	1	48	-	-	SYM
fsr-3700	1	49	78	78	NUM
fsr-3700	1	50	crabb	crabb	ADJ
fsr-3700	1	51	,	,	PUNCT
fsr-3700	1	52	ronald	ronald	PROPN
fsr-3700	1	53	r.	r.	PROPN
fsr-3700	1	54	,	,	PUNCT
fsr-3700	1	55	“	"	PUNCT
fsr-3700	1	56	probabilistic	probabilistic	ADJ
fsr-3700	1	57	estate	estate	NOUN
fsr-3700	1	58	planning	planning	NOUN
fsr-3700	1	59	,	,	PUNCT
fsr-3700	1	60	”	"	PUNCT
fsr-3700	1	61	l(2	l(2	PROPN
fsr-3700	1	62	):	):	PUNCT
fsr-3700	1	63	143	143	NUM
fsr-3700	1	64	-	-	SYM
fsr-3700	1	65	157	157	NUM
fsr-3700	1	66	kleiman	kleiman	NOUN
fsr-3700	1	67	,	,	PUNCT
fsr-3700	1	68	robert	robert	PROPN
fsr-3700	1	69	t.	t.	PROPN
fsr-3700	1	70	,	,	PUNCT
fsr-3700	1	71	and	and	CCONJ
fsr-3700	1	72	anandi	anandi	PROPN
fsr-3700	1	73	p.	p.	PROPN
fsr-3700	1	74	sahu	sahu	PROPN
fsr-3700	1	75	,	,	PUNCT
fsr-3700	1	76	“	"	PUNCT
fsr-3700	1	77	life	life	NOUN
fsr-3700	1	78	insurance	insurance	NOUN
fsr-3700	1	79	companies	company	NOUN
fsr-3700	1	80	as	as	SCONJ
fsr-3700	1	81	invest	invest	VERB
fsr-3700	1	82	ment	ment	NOUN
fsr-3700	1	83	managers	manager	NOUN
fsr-3700	1	84	:	:	PUNCT
fsr-3700	1	85	new	new	ADJ
fsr-3700	1	86	implications	implication	NOUN
fsr-3700	1	87	for	for	ADP
fsr-3700	1	88	consumers	consumer	NOUN
fsr-3700	1	89	,	,	PUNCT
fsr-3700	1	90	”	"	PUNCT
fsr-3700	1	91	l(1	l(1	PROPN
fsr-3700	1	92	):	):	PUNCT
fsr-3700	1	93	23	23	NUM
fsr-3700	1	94	-	-	SYM
fsr-3700	1	95	34	34	NUM
fsr-3700	1	96	madura	madura	NOUN
fsr-3700	1	97	,	,	PUNCT
fsr-3700	1	98	jeff	jeff	PROPN
fsr-3700	1	99	,	,	PUNCT
fsr-3700	1	100	and	and	CCONJ
fsr-3700	1	101	thomas	thomas	PROPN
fsr-3700	1	102	j.	j.	PROPN
fsr-3700	1	103	o’brien	o’brien	PROPN
fsr-3700	1	104	,	,	PUNCT
fsr-3700	1	105	“	"	PUNCT
fsr-3700	1	106	international	international	ADJ
fsr-3700	1	107	diversification	diversification	NOUN
fsr-3700	1	108	for	for	ADP
fsr-3700	1	109	the	the	DET
fsr-3700	1	110	individual	individual	NOUN
fsr-3700	1	111	:	:	PUNCT
fsr-3700	1	112	a	a	DET
fsr-3700	1	113	review	review	NOUN
fsr-3700	1	114	,	,	PUNCT
fsr-3700	1	115	”	"	PUNCT
fsr-3700	1	116	l(2	l(2	PROPN
fsr-3700	1	117	):	):	PUNCT
fsr-3700	1	118	159	159	NUM
fsr-3700	1	119	175	175	NUM
fsr-3700	1	120	mann	mann	PROPN
fsr-3700	1	121	,	,	PUNCT
fsr-3700	1	122	steven	steven	PROPN
fsr-3700	1	123	v.	v.	PROPN
fsr-3700	1	124	,	,	PUNCT
fsr-3700	1	125	and	and	CCONJ
fsr-3700	1	126	donald	donald	PROPN
fsr-3700	1	127	p.	p.	PROPN
fsr-3700	1	128	solberg	solberg	PROPN
fsr-3700	1	129	,	,	PUNCT
fsr-3700	1	130	“	"	PUNCT
fsr-3700	1	131	should	should	AUX
fsr-3700	1	132	individual	individual	ADJ
fsr-3700	1	133	investors	investor	NOUN
fsr-3700	1	134	avoid	avoid	VERB
fsr-3700	1	135	the	the	DET
fsr-3700	1	136	stock	stock	NOUN
fsr-3700	1	137	market	market	NOUN
fsr-3700	1	138	outside	outside	ADP
fsr-3700	1	139	of	of	ADP
fsr-3700	1	140	janu	janu	PROPN
fsr-3700	1	141	ary	ary	PROPN
fsr-3700	1	142	?	?	PUNCT
fsr-3700	1	143	”	"	PUNCT
fsr-3700	2	1	l(2	l(2	PROPN
fsr-3700	2	2	):	):	PUNCT
fsr-3700	2	3	101	101	NUM
fsr-3700	2	4	-	-	SYM
fsr-3700	2	5	107	107	NUM
fsr-3700	2	6	markowitz	markowitz	PROPN
fsr-3700	2	7	,	,	PUNCT
fsr-3700	2	8	harry	harry	PROPN
fsr-3700	2	9	m.	m.	PROPN
fsr-3700	2	10	,	,	PUNCT
fsr-3700	2	11	“	"	PUNCT
fsr-3700	2	12	individual	individual	ADJ
fsr-3700	2	13	versus	versus	ADP
fsr-3700	2	14	institutional	institutional	ADJ
fsr-3700	2	15	investing	investing	NOUN
fsr-3700	2	16	,	,	PUNCT
fsr-3700	2	17	”	"	PUNCT
fsr-3700	2	18	l(1	l(1	PROPN
fsr-3700	2	19	):	):	PUNCT
fsr-3700	2	20	l-8	l-8	PROPN
fsr-3700	2	21	murphy	murphy	PROPN
fsr-3700	2	22	,	,	PUNCT
fsr-3700	2	23	neil	neil	PROPN
fsr-3700	2	24	b.	b.	PROPN
fsr-3700	2	25	,	,	PUNCT
fsr-3700	2	26	“	"	PUNCT
fsr-3700	2	27	determinants	determinant	NOUN
fsr-3700	2	28	of	of	ADP
fsr-3700	2	29	household	household	NOUN
fsr-3700	2	30	check	check	NOUN
fsr-3700	2	31	writing	writing	NOUN
fsr-3700	2	32	:	:	PUNCT
fsr-3700	2	33	the	the	DET
fsr-3700	2	34	impacts	impact	NOUN
fsr-3700	2	35	of	of	ADP
fsr-3700	2	36	the	the	DET
fsr-3700	2	37	use	use	NOUN
fsr-3700	2	38	of	of	ADP
fsr-3700	2	39	electronic	electronic	ADJ
fsr-3700	2	40	banking	banking	NOUN
fsr-3700	2	41	services	service	NOUN
fsr-3700	2	42	and	and	CCONJ
fsr-3700	2	43	alternative	alternative	ADJ
fsr-3700	2	44	pricing	pricing	NOUN
fsr-3700	2	45	of	of	ADP
fsr-3700	2	46	services	service	NOUN
fsr-3700	2	47	,	,	PUNCT
fsr-3700	2	48	”	"	PUNCT
fsr-3700	2	49	l(i	l(i	NOUN
fsr-3700	2	50	):	):	PUNCT
fsr-3700	2	51	35	35	NUM
fsr-3700	2	52	-	-	SYM
fsr-3700	2	53	44	44	NUM
fsr-3700	2	54	nunnally	nunnally	ADV
fsr-3700	2	55	,	,	PUNCT
fsr-3700	2	56	bennie	bennie	PROPN
fsr-3700	2	57	h.	h.	PROPN
fsr-3700	2	58	,	,	PUNCT
fsr-3700	2	59	jr	jr	PROPN
fsr-3700	2	60	.	.	PROPN
fsr-3700	2	61	,	,	PUNCT
fsr-3700	2	62	see	see	VERB
fsr-3700	2	63	plath	plath	NOUN
fsr-3700	2	64	,	,	PUNCT
fsr-3700	2	65	d.	d.	PROPN
fsr-3700	2	66	anthony	anthony	PROPN
fsr-3700	2	67	o’brien	o’brien	PROPN
fsr-3700	2	68	,	,	PUNCT
fsr-3700	2	69	thomas	thomas	PROPN
fsr-3700	2	70	j.	j.	PROPN
fsr-3700	2	71	,	,	PUNCT
fsr-3700	2	72	see	see	VERB
fsr-3700	2	73	madura	madura	NOUN
fsr-3700	2	74	,	,	PUNCT
fsr-3700	2	75	jeff	jeff	PROPN
fsr-3700	2	76	plath	plath	PROPN
fsr-3700	2	77	,	,	PUNCT
fsr-3700	2	78	d.	d.	PROPN
fsr-3700	2	79	anthony	anthony	PROPN
fsr-3700	2	80	,	,	PUNCT
fsr-3700	2	81	and	and	CCONJ
fsr-3700	2	82	nunnally	nunnally	ADV
fsr-3700	2	83	,	,	PUNCT
fsr-3700	2	84	bennie	bennie	PROPN
fsr-3700	2	85	h.	h.	PROPN
fsr-3700	2	86	,	,	PUNCT
fsr-3700	2	87	jr	jr	PROPN
fsr-3700	2	88	.	.	PROPN
fsr-3700	2	89	,	,	PUNCT
fsr-3700	2	90	“	"	PUNCT
fsr-3700	2	91	effective	effective	ADJ
fsr-3700	2	92	credit	credit	NOUN
fsr-3700	2	93	costs	cost	NOUN
fsr-3700	2	94	in	in	ADP
fsr-3700	2	95	retail	retail	ADJ
fsr-3700	2	96	financial	financial	ADJ
fsr-3700	2	97	markets	market	NOUN
fsr-3700	2	98	:	:	PUNCT
fsr-3700	2	99	leasing	lease	VERB
fsr-3700	2	100	versus	versus	ADP
fsr-3700	2	101	borrowing	borrowing	NOUN
fsr-3700	2	102	,	,	PUNCT
fsr-3700	2	103	”	"	PUNCT
fsr-3700	2	104	l(2	l(2	PROPN
fsr-3700	2	105	):	):	PUNCT
fsr-3700	2	106	109	109	NUM
fsr-3700	2	107	-	-	SYM
fsr-3700	2	108	129	129	NUM
fsr-3700	2	109	potts	pott	NOUN
fsr-3700	2	110	,	,	PUNCT
fsr-3700	2	111	tom	tom	PROPN
fsr-3700	2	112	l.	l.	PROPN
fsr-3700	2	113	,	,	PUNCT
fsr-3700	2	114	and	and	CCONJ
fsr-3700	2	115	william	william	PROPN
fsr-3700	2	116	reichenstein	reichenstein	PROPN
fsr-3700	2	117	,	,	PUNCT
fsr-3700	2	118	“	"	PUNCT
fsr-3700	2	119	the	the	DET
fsr-3700	2	120	optimal	optimal	ADJ
fsr-3700	2	121	allocation	allocation	NOUN
fsr-3700	2	122	of	of	ADP
fsr-3700	2	123	pension	pension	NOUN
fsr-3700	2	124	fund	fund	NOUN
fsr-3700	2	125	assets	asset	NOUN
fsr-3700	2	126	:	:	PUNCT
fsr-3700	2	127	an	an	DET
fsr-3700	2	128	individual	individual	NOUN
fsr-3700	2	129	’s	’s	PART
fsr-3700	2	130	perspective	perspective	NOUN
fsr-3700	2	131	,	,	PUNCT
fsr-3700	2	132	”	"	PUNCT
fsr-3700	2	133	l(1	l(1	PROPN
fsr-3700	2	134	):	):	PUNCT
fsr-3700	2	135	9	9	NUM
fsr-3700	2	136	-	-	SYM
fsr-3700	2	137	22	22	NUM
fsr-3700	2	138	.	.	PUNCT
fsr-3700	3	1	puelz	puelz	VERB
fsr-3700	3	2	,	,	PUNCT
fsr-3700	3	3	amy	amy	PROPN
fsr-3700	3	4	v.	v.	PROPN
fsr-3700	3	5	,	,	PUNCT
fsr-3700	3	6	and	and	CCONJ
fsr-3700	3	7	robert	robert	PROPN
fsr-3700	3	8	puelz	puelz	PROPN
fsr-3700	3	9	,	,	PUNCT
fsr-3700	3	10	“	"	PUNCT
fsr-3700	3	11	personal	personal	ADJ
fsr-3700	3	12	financial	financial	ADJ
fsr-3700	3	13	planning	planning	NOUN
fsr-3700	3	14	and	and	CCONJ
fsr-3700	3	15	the	the	DET
fsr-3700	3	16	allocation	allocation	NOUN
fsr-3700	3	17	of	of	ADP
fsr-3700	3	18	disposable	disposable	ADJ
fsr-3700	3	19	wealth	wealth	NOUN
fsr-3700	3	20	,	,	PUNCT
fsr-3700	3	21	”	"	PUNCT
fsr-3700	3	22	l(2	l(2	PROPN
fsr-3700	3	23	):	):	PUNCT
fsr-3700	3	24	87	87	NUM
fsr-3700	3	25	-	-	SYM
fsr-3700	3	26	99	99	NUM
fsr-3700	3	27	puelz	puelz	NOUN
fsr-3700	3	28	,	,	PUNCT
fsr-3700	3	29	robert	robert	PROPN
fsr-3700	3	30	,	,	PUNCT
fsr-3700	3	31	see	see	VERB
fsr-3700	3	32	puelz	puelz	NOUN
fsr-3700	3	33	,	,	PUNCT
fsr-3700	3	34	amy	amy	PROPN
fsr-3700	3	35	v.	v.	ADP
fsr-3700	3	36	reichenstein	reichenstein	PROPN
fsr-3700	3	37	,	,	PUNCT
fsr-3700	3	38	william	william	PROPN
fsr-3700	3	39	,	,	PUNCT
fsr-3700	3	40	see	see	VERB
fsr-3700	3	41	potts	potts	PROPN
fsr-3700	3	42	,	,	PUNCT
fsr-3700	3	43	tom	tom	PROPN
fsr-3700	3	44	l.	l.	PROPN
fsr-3700	3	45	sahu	sahu	PROPN
fsr-3700	3	46	,	,	PUNCT
fsr-3700	3	47	anandi	anandi	PROPN
fsr-3700	3	48	p	p	PROPN
fsr-3700	3	49	,	,	PUNCT
fsr-3700	3	50	see	see	VERB
fsr-3700	3	51	kleiman	kleiman	PROPN
fsr-3700	3	52	,	,	PUNCT
fsr-3700	3	53	robert	robert	PROPN
fsr-3700	3	54	t.	t.	PROPN
fsr-3700	3	55	solberg	solberg	PROPN
fsr-3700	3	56	,	,	PUNCT
fsr-3700	3	57	donald	donald	PROPN
fsr-3700	3	58	p	p	PROPN
fsr-3700	3	59	,	,	PUNCT
fsr-3700	3	60	see	see	VERB
fsr-3700	3	61	mann	mann	PROPN
fsr-3700	3	62	,	,	PUNCT
fsr-3700	3	63	steven	steven	PROPN
fsr-3700	3	64	v.	v.	PROPN
fsr-3700	3	65	yohannes	yohannes	PROPN
fsr-3700	3	66	,	,	PUNCT
fsr-3700	3	67	arefaine	arefaine	PROPN
fsr-3700	3	68	g.	g.	PROPN
fsr-3700	3	69	,	,	PUNCT
fsr-3700	3	70	“	"	PUNCT
fsr-3700	3	71	comparing	compare	VERB
fsr-3700	3	72	mortgages	mortgage	NOUN
fsr-3700	3	73	with	with	ADP
fsr-3700	3	74	different	different	ADJ
fsr-3700	3	75	payment	payment	NOUN
fsr-3700	3	76	frequencies	frequency	NOUN
fsr-3700	3	77	,	,	PUNCT
fsr-3700	3	78	”	"	PUNCT
fsr-3700	3	79	l(2	l(2	PROPN
fsr-3700	3	80	):	):	PUNCT
fsr-3700	3	81	131	131	NUM
fsr-3700	3	82	-	-	SYM
fsr-3700	3	83	142	142	NUM
fsr-3700	3	84	articletitles	articletitle	NOUN
fsr-3700	3	85	‘	'	PUNCT
fsr-3700	3	86	comparing	compare	VERB
fsr-3700	3	87	mortgages	mortgage	NOUN
fsr-3700	3	88	with	with	ADP
fsr-3700	3	89	different	different	ADJ
fsr-3700	3	90	payment	payment	NOUN
fsr-3700	3	91	frequencies	frequency	NOUN
fsr-3700	3	92	,	,	PUNCT
fsr-3700	3	93	”	"	PUNCT
fsr-3700	3	94	arefaine	arefaine	PROPN
fsr-3700	3	95	g.	g.	PROPN
fsr-3700	3	96	yohannes	yohannes	PROPN
fsr-3700	3	97	,	,	PUNCT
fsr-3700	3	98	l(2	l(2	PROPN
fsr-3700	3	99	):	):	PUNCT
fsr-3700	3	100	131	131	NUM
fsr-3700	3	101	-	-	SYM
fsr-3700	3	102	142	142	NUM
fsr-3700	3	103	“	"	PUNCT
fsr-3700	3	104	determinants	determinant	NOUN
fsr-3700	3	105	of	of	ADP
fsr-3700	3	106	household	household	NOUN
fsr-3700	3	107	check	check	NOUN
fsr-3700	3	108	writ	writ	NOUN
fsr-3700	3	109	ing	ing	ADJ
fsr-3700	3	110	:	:	PUNCT
fsr-3700	3	111	the	the	DET
fsr-3700	3	112	impacts	impact	NOUN
fsr-3700	3	113	of	of	ADP
fsr-3700	3	114	the	the	DET
fsr-3700	3	115	use	use	NOUN
fsr-3700	3	116	of	of	ADP
fsr-3700	3	117	elec	elec	PROPN
fsr-3700	3	118	tronic	tronic	PROPN
fsr-3700	3	119	banking	banking	NOUN
fsr-3700	3	120	services	service	NOUN
fsr-3700	3	121	and	and	CCONJ
fsr-3700	3	122	alternative	alternative	ADJ
fsr-3700	3	123	pricing	pricing	NOUN
fsr-3700	3	124	of	of	ADP
fsr-3700	3	125	services	service	NOUN
fsr-3700	3	126	,	,	PUNCT
fsr-3700	3	127	”	"	PUNCT
fsr-3700	3	128	neil	neil	PROPN
fsr-3700	3	129	b.	b.	PROPN
fsr-3700	3	130	murphy	murphy	PROPN
fsr-3700	3	131	,	,	PUNCT
fsr-3700	3	132	l(1	l(1	PROPN
fsr-3700	3	133	):	):	PUNCT
fsr-3700	3	134	35	35	NUM
fsr-3700	3	135	-	-	SYM
fsr-3700	3	136	44	44	NUM
fsr-3700	3	137	financial	financial	ADJ
fsr-3700	3	138	services	service	NOUN
fsr-3700	3	139	review	review	NOUN
fsr-3700	3	140	,	,	PUNCT
fsr-3700	3	141	l(2	l(2	PROPN
fsr-3700	3	142	)	)	PUNCT
fsr-3700	3	143	1991	1991	NUM
fsr-3700	3	144	“	"	PUNCT
fsr-3700	3	145	effective	effective	ADJ
fsr-3700	3	146	credit	credit	NOUN
fsr-3700	3	147	costs	cost	NOUN
fsr-3700	3	148	in	in	ADP
fsr-3700	3	149	retail	retail	ADJ
fsr-3700	3	150	financial	financial	ADJ
fsr-3700	3	151	markets	market	NOUN
fsr-3700	3	152	:	:	PUNCT
fsr-3700	3	153	leasing	lease	VERB
fsr-3700	3	154	versus	versus	ADP
fsr-3700	3	155	borrow	borrow	VERB
fsr-3700	3	156	ing	ing	NOUN
fsr-3700	3	157	,	,	PUNCT
fsr-3700	3	158	”	"	PUNCT
fsr-3700	3	159	d.	d.	PROPN
fsr-3700	3	160	anthony	anthony	PROPN
fsr-3700	3	161	plath	plath	PROPN
fsr-3700	3	162	and	and	CCONJ
fsr-3700	3	163	bennie	bennie	PROPN
fsr-3700	3	164	h.	h.	PROPN
fsr-3700	3	165	nunnally	nunnally	PROPN
fsr-3700	3	166	,	,	PUNCT
fsr-3700	3	167	jr	jr	PROPN
fsr-3700	3	168	.	.	PROPN
fsr-3700	3	169	,	,	PUNCT
fsr-3700	3	170	l(2	l(2	PROPN
fsr-3700	3	171	):	):	PUNCT
fsr-3700	3	172	109	109	NUM
fsr-3700	3	173	-	-	SYM
fsr-3700	3	174	129	129	NUM
fsr-3700	3	175	“	"	PUNCT
fsr-3700	3	176	individual	individual	ADJ
fsr-3700	3	177	versus	versus	ADP
fsr-3700	3	178	institutional	institutional	ADJ
fsr-3700	3	179	invest	invest	VERB
fsr-3700	3	180	ing	ing	ADJ
fsr-3700	3	181	,	,	PUNCT
fsr-3700	3	182	”	"	PUNCT
fsr-3700	3	183	harry	harry	PROPN
fsr-3700	3	184	m.	m.	PROPN
fsr-3700	3	185	markowitz	markowitz	PROPN
fsr-3700	3	186	,	,	PUNCT
fsr-3700	3	187	l(1	l(1	PROPN
fsr-3700	3	188	):	):	PUNCT
fsr-3700	3	189	1	1	NUM
fsr-3700	3	190	-	-	SYM
fsr-3700	3	191	8	8	NUM
fsr-3700	3	192	“	"	PUNCT
fsr-3700	3	193	international	international	ADJ
fsr-3700	3	194	diversification	diversification	NOUN
fsr-3700	3	195	for	for	ADP
fsr-3700	3	196	the	the	DET
fsr-3700	3	197	individual	individual	NOUN
fsr-3700	3	198	:	:	PUNCT
fsr-3700	3	199	a	a	DET
fsr-3700	3	200	review	review	NOUN
fsr-3700	3	201	,	,	PUNCT
fsr-3700	3	202	”	"	PUNCT
fsr-3700	3	203	jeff	jeff	PROPN
fsr-3700	3	204	madura	madura	PROPN
fsr-3700	3	205	and	and	CCONJ
fsr-3700	3	206	tom	tom	PROPN
fsr-3700	3	207	o’brien	o’brien	PROPN
fsr-3700	3	208	,	,	PUNCT
fsr-3700	3	209	l(2	l(2	PROPN
fsr-3700	3	210	):	):	PUNCT
fsr-3700	3	211	159	159	NUM
fsr-3700	3	212	-	-	SYM
fsr-3700	3	213	175	175	NUM
fsr-3700	3	214	“	"	PUNCT
fsr-3700	3	215	life	life	NOUN
fsr-3700	3	216	insurance	insurance	NOUN
fsr-3700	3	217	companies	company	NOUN
fsr-3700	3	218	as	as	ADP
fsr-3700	3	219	investment	investment	NOUN
fsr-3700	3	220	managers	manager	NOUN
fsr-3700	3	221	:	:	PUNCT
fsr-3700	3	222	new	new	ADJ
fsr-3700	3	223	implications	implication	NOUN
fsr-3700	3	224	for	for	ADP
fsr-3700	3	225	consumers	consumer	NOUN
fsr-3700	3	226	,	,	PUNCT
fsr-3700	3	227	”	"	PUNCT
fsr-3700	3	228	robert	robert	PROPN
fsr-3700	3	229	t.	t.	PROPN
fsr-3700	3	230	kleinman	kleinman	PROPN
fsr-3700	3	231	and	and	CCONJ
fsr-3700	3	232	anadi	anadi	NOUN
fsr-3700	3	233	p	p	PROPN
fsr-3700	3	234	sahu	sahu	PROPN
fsr-3700	3	235	,	,	PUNCT
fsr-3700	3	236	l(1	l(1	PROPN
fsr-3700	3	237	):	):	PUNCT
fsr-3700	3	238	23	23	NUM
fsr-3700	3	239	-	-	SYM
fsr-3700	3	240	34	34	NUM
fsr-3700	3	241	“	"	PUNCT
fsr-3700	3	242	optimal	optimal	ADJ
fsr-3700	3	243	allocation	allocation	NOUN
fsr-3700	3	244	of	of	ADP
fsr-3700	3	245	pension	pension	NOUN
fsr-3700	3	246	fund	fund	NOUN
fsr-3700	3	247	assets	asset	NOUN
fsr-3700	3	248	:	:	PUNCT
fsr-3700	3	249	an	an	DET
fsr-3700	3	250	individual	individual	NOUN
fsr-3700	3	251	’s	’s	PART
fsr-3700	3	252	perspective	perspective	NOUN
fsr-3700	3	253	,	,	PUNCT
fsr-3700	3	254	the	the	DET
fsr-3700	3	255	,	,	PUNCT
fsr-3700	3	256	”	"	PUNCT
fsr-3700	3	257	tom	tom	PROPN
fsr-3700	3	258	l.	l.	PROPN
fsr-3700	3	259	potts	potts	PROPN
fsr-3700	3	260	and	and	CCONJ
fsr-3700	3	261	william	william	PROPN
fsr-3700	3	262	reichenstein	reichenstein	PROPN
fsr-3700	3	263	,	,	PUNCT
fsr-3700	3	264	i	i	PRON
fsr-3700	3	265	(	(	PUNCT
fsr-3700	3	266	1	1	NUM
fsr-3700	3	267	):	):	PUNCT
fsr-3700	3	268	9	9	NUM
fsr-3700	3	269	-	-	SYM
fsr-3700	3	270	22	22	NUM
fsr-3700	3	271	.	.	PUNCT
fsr-3700	4	1	“	"	PUNCT
fsr-3700	4	2	personal	personal	ADJ
fsr-3700	4	3	financial	financial	ADJ
fsr-3700	4	4	planning	planning	NOUN
fsr-3700	4	5	and	and	CCONJ
fsr-3700	4	6	the	the	DET
fsr-3700	4	7	allocation	allocation	NOUN
fsr-3700	4	8	of	of	ADP
fsr-3700	4	9	disposable	disposable	ADJ
fsr-3700	4	10	wealth	wealth	NOUN
fsr-3700	4	11	,	,	PUNCT
fsr-3700	4	12	”	"	PUNCT
fsr-3700	4	13	amy	amy	PROPN
fsr-3700	4	14	v.	v.	PROPN
fsr-3700	4	15	puelz	puelz	PROPN
fsr-3700	4	16	and	and	CCONJ
fsr-3700	4	17	robert	robert	PROPN
fsr-3700	4	18	puelz	puelz	PROPN
fsr-3700	4	19	,	,	PUNCT
fsr-3700	4	20	l(2	l(2	PROPN
fsr-3700	4	21	):	):	PUNCT
fsr-3700	4	22	87	87	NUM
fsr-3700	4	23	-	-	SYM
fsr-3700	4	24	99	99	NUM
fsr-3700	4	25	“	"	PUNCT
fsr-3700	4	26	probabilistic	probabilistic	ADJ
fsr-3700	4	27	estate	estate	NOUN
fsr-3700	4	28	planning	planning	NOUN
fsr-3700	4	29	,	,	PUNCT
fsr-3700	4	30	”	"	PUNCT
fsr-3700	4	31	ronald	ronald	PROPN
fsr-3700	4	32	r.	r.	PROPN
fsr-3700	4	33	crabb	crabb	PROPN
fsr-3700	4	34	,	,	PUNCT
fsr-3700	4	35	l(2	l(2	PROPN
fsr-3700	4	36	):	):	PUNCT
fsr-3700	4	37	143	143	NUM
fsr-3700	4	38	-	-	SYM
fsr-3700	4	39	157	157	NUM
fsr-3700	4	40	“	"	PUNCT
fsr-3700	4	41	real	real	ADJ
fsr-3700	4	42	estate	estate	NOUN
fsr-3700	4	43	income	income	NOUN
fsr-3700	4	44	and	and	CCONJ
fsr-3700	4	45	relocation	relocation	NOUN
fsr-3700	4	46	,	,	PUNCT
fsr-3700	4	47	”	"	PUNCT
fsr-3700	4	48	peter	peter	PROPN
fsr-3700	4	49	chinloy	chinloy	PROPN
fsr-3700	4	50	,	,	PUNCT
fsr-3700	4	51	i	i	PRON
fsr-3700	4	52	(	(	PUNCT
fsr-3700	4	53	1	1	NUM
fsr-3700	4	54	):	):	PUNCT
fsr-3700	4	55	45	45	NUM
fsr-3700	4	56	-	-	SYM
fsr-3700	4	57	59	59	NUM
fsr-3700	4	58	“	"	PUNCT
fsr-3700	4	59	review	review	NOUN
fsr-3700	4	60	:	:	PUNCT
fsr-3700	4	61	disability	disability	NOUN
fsr-3700	4	62	income	income	NOUN
fsr-3700	4	63	insurance	insurance	NOUN
fsr-3700	4	64	and	and	CCONJ
fsr-3700	4	65	the	the	DET
fsr-3700	4	66	individual	individual	NOUN
fsr-3700	4	67	,	,	PUNCT
fsr-3700	4	68	”	"	PUNCT
fsr-3700	4	69	larry	larry	PROPN
fsr-3700	4	70	cox	cox	PROPN
fsr-3700	4	71	,	,	PUNCT
fsr-3700	4	72	i	i	PRON
fsr-3700	4	73	(	(	PUNCT
fsr-3700	4	74	i	i	NOUN
fsr-3700	4	75	):	):	PUNCT
fsr-3700	4	76	61	61	NUM
fsr-3700	4	77	-	-	SYM
fsr-3700	4	78	78	78	NUM
fsr-3700	4	79	“	"	PUNCT
fsr-3700	4	80	should	should	AUX
fsr-3700	4	81	individual	individual	ADJ
fsr-3700	4	82	investors	investor	NOUN
fsr-3700	4	83	avoid	avoid	VERB
fsr-3700	4	84	the	the	DET
fsr-3700	4	85	stock	stock	NOUN
fsr-3700	4	86	market	market	NOUN
fsr-3700	4	87	outside	outside	ADP
fsr-3700	4	88	of	of	ADP
fsr-3700	4	89	january	january	PROPN
fsr-3700	4	90	?	?	PUNCT
fsr-3700	4	91	”	"	PUNCT
fsr-3700	5	1	steven	steven	PROPN
fsr-3700	5	2	v.	v.	PROPN
fsr-3700	5	3	mann	mann	PROPN
fsr-3700	5	4	and	and	CCONJ
fsr-3700	5	5	donald	donald	PROPN
fsr-3700	5	6	p.	p.	PROPN
fsr-3700	5	7	solberg	solberg	PROPN
fsr-3700	5	8	,	,	PUNCT
fsr-3700	5	9	l(2	l(2	PROPN
fsr-3700	5	10	):	):	PUNCT
fsr-3700	5	11	101	101	NUM
fsr-3700	5	12	-	-	SYM
fsr-3700	5	13	107	107	NUM