id	sid	tid	token	lemma	pos
fsr-3718	1	1	pii	pii	PROPN
fsr-3718	1	2	:	:	PUNCT
fsr-3718	1	3	1057	1057	NUM
fsr-3718	1	4	-	-	PUNCT
fsr-3718	1	5	0810(93)90002	0810(93)90002	NOUN
fsr-3718	1	6	-	-	PUNCT
fsr-3718	1	7	8	8	NUM
fsr-3718	1	8	from	from	ADP
fsr-3718	1	9	the	the	DET
fsr-3718	1	10	editor	editor	NOUN
fsr-3718	1	11	as	as	SCONJ
fsr-3718	1	12	the	the	DET
fsr-3718	1	13	financial	financial	ADJ
fsr-3718	1	14	services	service	NOUN
fsr-3718	1	15	review	review	NOUN
fsr-3718	1	16	enters	enter	VERB
fsr-3718	1	17	its	its	PRON
fsr-3718	1	18	third	third	ADJ
fsr-3718	1	19	year	year	NOUN
fsr-3718	1	20	of	of	ADP
fsr-3718	1	21	publication	publication	NOUN
fsr-3718	1	22	,	,	PUNCT
fsr-3718	1	23	the	the	DET
fsr-3718	1	24	quantity	quantity	NOUN
fsr-3718	1	25	and	and	CCONJ
fsr-3718	1	26	quality	quality	NOUN
fsr-3718	1	27	of	of	ADP
fsr-3718	1	28	submissions	submission	NOUN
fsr-3718	1	29	continues	continue	VERB
fsr-3718	1	30	to	to	PART
fsr-3718	1	31	increase	increase	VERB
fsr-3718	1	32	.	.	PUNCT
fsr-3718	2	1	this	this	PRON
fsr-3718	2	2	was	be	AUX
fsr-3718	2	3	anticipated	anticipate	VERB
fsr-3718	2	4	for	for	ADP
fsr-3718	2	5	two	two	NUM
fsr-3718	2	6	reasons	reason	NOUN
fsr-3718	2	7	.	.	PUNCT
fsr-3718	3	1	first	first	ADV
fsr-3718	3	2	,	,	PUNCT
fsr-3718	3	3	as	as	SCONJ
fsr-3718	3	4	the	the	DET
fsr-3718	3	5	scope	scope	NOUN
fsr-3718	3	6	and	and	CCONJ
fsr-3718	3	7	standards	standard	NOUN
fsr-3718	3	8	of	of	ADP
fsr-3718	3	9	the	the	DET
fsr-3718	3	10	journal	journal	NOUN
fsr-3718	3	11	have	have	AUX
fsr-3718	3	12	become	become	VERB
fsr-3718	3	13	more	more	ADV
fsr-3718	3	14	widely	widely	ADV
fsr-3718	3	15	known	know	VERB
fsr-3718	3	16	,	,	PUNCT
fsr-3718	3	17	inappropriate	inappropriate	ADJ
fsr-3718	3	18	pieces	piece	NOUN
fsr-3718	3	19	are	be	AUX
fsr-3718	3	20	less	less	ADV
fsr-3718	3	21	frequently	frequently	ADV
fsr-3718	3	22	sent	send	VERB
fsr-3718	3	23	,	,	PUNCT
fsr-3718	3	24	enabling	enable	VERB
fsr-3718	3	25	our	our	PRON
fsr-3718	3	26	editors	editor	NOUN
fsr-3718	3	27	to	to	PART
fsr-3718	3	28	offer	offer	VERB
fsr-3718	3	29	faster	fast	ADJ
fsr-3718	3	30	turnaround	turnaround	NOUN
fsr-3718	3	31	and	and	CCONJ
fsr-3718	3	32	better	well	ADJ
fsr-3718	3	33	service	service	NOUN
fsr-3718	3	34	.	.	PUNCT
fsr-3718	4	1	second	second	ADJ
fsr-3718	4	2	,	,	PUNCT
fsr-3718	4	3	a	a	DET
fsr-3718	4	4	mature	mature	ADJ
fsr-3718	4	5	journal	journal	NOUN
fsr-3718	4	6	offers	offer	VERB
fsr-3718	4	7	less	less	ADJ
fsr-3718	4	8	risk	risk	NOUN
fsr-3718	4	9	to	to	ADP
fsr-3718	4	10	established	establish	VERB
fsr-3718	4	11	authors	author	NOUN
fsr-3718	4	12	and	and	CCONJ
fsr-3718	4	13	encourages	encourage	VERB
fsr-3718	4	14	them	they	PRON
fsr-3718	4	15	to	to	PART
fsr-3718	4	16	send	send	VERB
fsr-3718	4	17	their	their	PRON
fsr-3718	4	18	best	good	ADJ
fsr-3718	4	19	work	work	NOUN
fsr-3718	4	20	in	in	ADP
fsr-3718	4	21	the	the	DET
fsr-3718	4	22	area	area	NOUN
fsr-3718	4	23	of	of	ADP
fsr-3718	4	24	individual	individual	ADJ
fsr-3718	4	25	financial	financial	ADJ
fsr-3718	4	26	management	management	NOUN
fsr-3718	4	27	to	to	ADP
fsr-3718	4	28	us	we	PRON
fsr-3718	4	29	.	.	PUNCT
fsr-3718	5	1	in	in	ADP
fsr-3718	5	2	creating	create	VERB
fsr-3718	5	3	the	the	DET
fsr-3718	5	4	financial	financial	ADJ
fsr-3718	5	5	services	service	NOUN
fsr-3718	5	6	review	review	NOUN
fsr-3718	5	7	,	,	PUNCT
fsr-3718	5	8	the	the	DET
fsr-3718	5	9	academy	academy	NOUN
fsr-3718	5	10	of	of	ADP
fsr-3718	5	11	financial	financial	ADJ
fsr-3718	5	12	services	service	NOUN
fsr-3718	5	13	hoped	hope	VERB
fsr-3718	5	14	,	,	PUNCT
fsr-3718	5	15	in	in	ADP
fsr-3718	5	16	part	part	NOUN
fsr-3718	5	17	,	,	PUNCT
fsr-3718	5	18	to	to	PART
fsr-3718	5	19	encourage	encourage	VERB
fsr-3718	5	20	a	a	DET
fsr-3718	5	21	group	group	NOUN
fsr-3718	5	22	of	of	ADP
fsr-3718	5	23	scholars	scholar	NOUN
fsr-3718	5	24	to	to	PART
fsr-3718	5	25	focus	focus	VERB
fsr-3718	5	26	on	on	ADP
fsr-3718	5	27	the	the	DET
fsr-3718	5	28	finances	finance	NOUN
fsr-3718	5	29	of	of	ADP
fsr-3718	5	30	the	the	DET
fsr-3718	5	31	individual	individual	NOUN
fsr-3718	5	32	.	.	PUNCT
fsr-3718	6	1	a	a	DET
fsr-3718	6	2	glance	glance	NOUN
fsr-3718	6	3	at	at	ADP
fsr-3718	6	4	the	the	DET
fsr-3718	6	5	table	table	NOUN
fsr-3718	6	6	of	of	ADP
fsr-3718	6	7	contents	content	NOUN
fsr-3718	6	8	of	of	ADP
fsr-3718	6	9	this	this	DET
fsr-3718	6	10	issue	issue	NOUN
fsr-3718	6	11	offers	offer	VERB
fsr-3718	6	12	some	some	DET
fsr-3718	6	13	evidence	evidence	NOUN
fsr-3718	6	14	that	that	SCONJ
fsr-3718	6	15	such	such	DET
fsr-3718	6	16	a	a	DET
fsr-3718	6	17	group	group	NOUN
fsr-3718	6	18	may	may	AUX
fsr-3718	6	19	be	be	AUX
fsr-3718	6	20	forming	form	VERB
fsr-3718	6	21	.	.	PUNCT
fsr-3718	7	1	each	each	PRON
fsr-3718	7	2	of	of	ADP
fsr-3718	7	3	the	the	DET
fsr-3718	7	4	articles	article	NOUN
fsr-3718	7	5	was	be	AUX
fsr-3718	7	6	authored	author	VERB
fsr-3718	7	7	or	or	CCONJ
fsr-3718	7	8	co	co	VERB
fsr-3718	7	9	-	-	VERB
fsr-3718	7	10	authored	author	VERB
fsr-3718	7	11	by	by	ADP
fsr-3718	7	12	a	a	DET
fsr-3718	7	13	person	person	NOUN
fsr-3718	7	14	who	who	PRON
fsr-3718	7	15	has	have	AUX
fsr-3718	7	16	previously	previously	ADV
fsr-3718	7	17	written	write	VERB
fsr-3718	7	18	for	for	ADP
fsr-3718	7	19	this	this	DET
fsr-3718	7	20	journal	journal	NOUN
fsr-3718	7	21	and/or	and/or	CCONJ
fsr-3718	7	22	who	who	PRON
fsr-3718	7	23	has	have	AUX
fsr-3718	7	24	won	win	VERB
fsr-3718	7	25	the	the	DET
fsr-3718	7	26	academy	academy	NOUN
fsr-3718	7	27	’s	’s	PART
fsr-3718	7	28	best	good	ADJ
fsr-3718	7	29	paper	paper	NOUN
fsr-3718	7	30	award	award	NOUN
fsr-3718	7	31	.	.	PUNCT
fsr-3718	8	1	in	in	ADP
fsr-3718	8	2	the	the	DET
fsr-3718	8	3	case	case	NOUN
fsr-3718	8	4	of	of	ADP
fsr-3718	8	5	jessie	jessie	PROPN
fsr-3718	8	6	xiaojing	xiaojing	PROPN
fsr-3718	8	7	fan	fan	PROPN
fsr-3718	8	8	,	,	PUNCT
fsr-3718	8	9	yu	yu	PROPN
fsr-3718	8	10	-	-	PUNCT
fsr-3718	8	11	chun	chun	PROPN
fsr-3718	8	12	regina	regina	PROPN
fsr-3718	8	13	chang	chang	PROPN
fsr-3718	8	14	,	,	PUNCT
fsr-3718	8	15	and	and	CCONJ
fsr-3718	8	16	sherman	sherman	PROPN
fsr-3718	8	17	hanna	hanna	PROPN
fsr-3718	8	18	,	,	PUNCT
fsr-3718	8	19	co	co	NOUN
fsr-3718	8	20	-	-	NOUN
fsr-3718	8	21	authors	author	NOUN
fsr-3718	8	22	of	of	ADP
fsr-3718	8	23	“	"	PUNCT
fsr-3718	8	24	real	real	ADJ
fsr-3718	8	25	income	income	NOUN
fsr-3718	8	26	growth	growth	NOUN
fsr-3718	8	27	and	and	CCONJ
fsr-3718	8	28	optimal	optimal	ADJ
fsr-3718	8	29	credit	credit	NOUN
fsr-3718	8	30	use	use	NOUN
fsr-3718	8	31	,	,	PUNCT
fsr-3718	8	32	”	"	PUNCT
fsr-3718	8	33	this	this	DET
fsr-3718	8	34	group	group	NOUN
fsr-3718	8	35	has	have	AUX
fsr-3718	8	36	won	win	VERB
fsr-3718	8	37	the	the	DET
fsr-3718	8	38	best	good	ADJ
fsr-3718	8	39	paper	paper	NOUN
fsr-3718	8	40	award	award	NOUN
fsr-3718	8	41	twice	twice	ADV
fsr-3718	8	42	in	in	ADP
fsr-3718	8	43	successive	successive	ADJ
fsr-3718	8	44	years	year	NOUN
fsr-3718	8	45	.	.	PUNCT
fsr-3718	9	1	while	while	SCONJ
fsr-3718	9	2	taking	take	VERB
fsr-3718	9	3	pride	pride	NOUN
fsr-3718	9	4	in	in	ADP
fsr-3718	9	5	its	its	PRON
fsr-3718	9	6	ability	ability	NOUN
fsr-3718	9	7	to	to	PART
fsr-3718	9	8	present	present	VERB
fsr-3718	9	9	multiple	multiple	ADJ
fsr-3718	9	10	pieces	piece	NOUN
fsr-3718	9	11	by	by	ADP
fsr-3718	9	12	the	the	DET
fsr-3718	9	13	same	same	ADJ
fsr-3718	9	14	authors	author	NOUN
fsr-3718	9	15	,	,	PUNCT
fsr-3718	9	16	the	the	DET
fsr-3718	9	17	financial	financial	ADJ
fsr-3718	9	18	services	service	NOUN
fsr-3718	9	19	review	review	NOUN
fsr-3718	9	20	also	also	ADV
fsr-3718	9	21	points	point	VERB
fsr-3718	9	22	out	out	ADP
fsr-3718	9	23	that	that	SCONJ
fsr-3718	9	24	many	many	ADJ
fsr-3718	9	25	of	of	ADP
fsr-3718	9	26	the	the	DET
fsr-3718	9	27	co	co	NOUN
fsr-3718	9	28	-	-	NOUN
fsr-3718	9	29	authors	author	NOUN
fsr-3718	9	30	of	of	ADP
fsr-3718	9	31	articles	article	NOUN
fsr-3718	9	32	presented	present	VERB
fsr-3718	9	33	in	in	ADP
fsr-3718	9	34	this	this	DET
fsr-3718	9	35	issue	issue	NOUN
fsr-3718	9	36	have	have	AUX
fsr-3718	9	37	not	not	PART
fsr-3718	9	38	appeared	appear	VERB
fsr-3718	9	39	here	here	ADV
fsr-3718	9	40	before	before	ADV
fsr-3718	9	41	.	.	PUNCT
fsr-3718	10	1	in	in	ADP
fsr-3718	10	2	addition	addition	NOUN
fsr-3718	10	3	to	to	ADP
fsr-3718	10	4	its	its	PRON
fsr-3718	10	5	desire	desire	NOUN
fsr-3718	10	6	to	to	PART
fsr-3718	10	7	showcase	showcase	VERB
fsr-3718	10	8	the	the	DET
fsr-3718	10	9	work	work	NOUN
fsr-3718	10	10	of	of	ADP
fsr-3718	10	11	experienced	experienced	ADJ
fsr-3718	10	12	scholars	scholar	NOUN
fsr-3718	10	13	in	in	ADP
fsr-3718	10	14	this	this	DET
fsr-3718	10	15	field	field	NOUN
fsr-3718	10	16	,	,	PUNCT
fsr-3718	10	17	the	the	DET
fsr-3718	10	18	journal	journal	NOUN
fsr-3718	10	19	also	also	ADV
fsr-3718	10	20	attempts	attempt	VERB
fsr-3718	10	21	to	to	PART
fsr-3718	10	22	develop	develop	VERB
fsr-3718	10	23	new	new	ADJ
fsr-3718	10	24	authors	author	NOUN
fsr-3718	10	25	and	and	CCONJ
fsr-3718	10	26	authors	author	NOUN
fsr-3718	10	27	who	who	PRON
fsr-3718	10	28	are	be	AUX
fsr-3718	10	29	new	new	ADJ
fsr-3718	10	30	to	to	ADP
fsr-3718	10	31	the	the	DET
fsr-3718	10	32	field	field	NOUN
fsr-3718	10	33	.	.	PUNCT
fsr-3718	11	1	for	for	ADP
fsr-3718	11	2	this	this	DET
fsr-3718	11	3	reason	reason	NOUN
fsr-3718	11	4	,	,	PUNCT
fsr-3718	11	5	we	we	PRON
fsr-3718	11	6	encourage	encourage	VERB
fsr-3718	11	7	calls	call	NOUN
fsr-3718	11	8	to	to	ADP
fsr-3718	11	9	the	the	DET
fsr-3718	11	10	editors	editor	NOUN
fsr-3718	11	11	to	to	PART
fsr-3718	11	12	discuss	discuss	VERB
fsr-3718	11	13	ideas	idea	NOUN
fsr-3718	11	14	as	as	ADV
fsr-3718	11	15	well	well	ADV
fsr-3718	11	16	as	as	ADP
fsr-3718	11	17	informal	informal	ADJ
fsr-3718	11	18	submissions	submission	NOUN
fsr-3718	11	19	seeking	seek	VERB
fsr-3718	11	20	comments	comment	NOUN
fsr-3718	11	21	and	and	CCONJ
fsr-3718	11	22	direction	direction	NOUN
fsr-3718	11	23	.	.	PUNCT
fsr-3718	12	1	we	we	PRON
fsr-3718	12	2	also	also	ADV
fsr-3718	12	3	encourage	encourage	VERB
fsr-3718	12	4	our	our	PRON
fsr-3718	12	5	readers	reader	NOUN
fsr-3718	12	6	to	to	PART
fsr-3718	12	7	direct	direct	VERB
fsr-3718	12	8	appropri	appropri	NOUN
fsr-3718	12	9	ate	eat	VERB
fsr-3718	12	10	research	research	NOUN
fsr-3718	12	11	of	of	ADP
fsr-3718	12	12	their	their	PRON
fsr-3718	12	13	colleagues	colleague	NOUN
fsr-3718	12	14	to	to	ADP
fsr-3718	12	15	our	our	PRON
fsr-3718	12	16	attention	attention	NOUN
fsr-3718	12	17	.	.	PUNCT
fsr-3718	13	1	in	in	ADP
fsr-3718	13	2	the	the	DET
fsr-3718	13	3	current	current	ADJ
fsr-3718	13	4	issue	issue	NOUN
fsr-3718	13	5	,	,	PUNCT
fsr-3718	13	6	ronald	ronald	PROPN
fsr-3718	13	7	r.	r.	PROPN
fsr-3718	13	8	crabb	crabb	PROPN
fsr-3718	13	9	continues	continue	VERB
fsr-3718	13	10	his	his	PRON
fsr-3718	13	11	work	work	NOUN
fsr-3718	13	12	in	in	ADP
fsr-3718	13	13	the	the	DET
fsr-3718	13	14	area	area	NOUN
fsr-3718	13	15	of	of	ADP
fsr-3718	13	16	probabilistic	probabilistic	ADJ
fsr-3718	13	17	estate	estate	NOUN
fsr-3718	13	18	planning	planning	NOUN
fsr-3718	13	19	to	to	ADP
fsr-3718	13	20	the	the	DET
fsr-3718	13	21	formation	formation	NOUN
fsr-3718	13	22	of	of	ADP
fsr-3718	13	23	efficient	efficient	ADJ
fsr-3718	13	24	frontiers	frontier	NOUN
fsr-3718	13	25	consisting	consist	VERB
fsr-3718	13	26	of	of	ADP
fsr-3718	13	27	the	the	DET
fsr-3718	13	28	most	most	ADV
fsr-3718	13	29	commonly	commonly	ADV
fsr-3718	13	30	-	-	PUNCT
fsr-3718	13	31	employed	employ	VERB
fsr-3718	13	32	estate	estate	NOUN
fsr-3718	13	33	planning	planning	NOUN
fsr-3718	13	34	tools	tool	NOUN
fsr-3718	13	35	.	.	PUNCT
fsr-3718	14	1	in	in	ADP
fsr-3718	14	2	the	the	DET
fsr-3718	14	3	article	article	NOUN
fsr-3718	14	4	entitled	entitle	VERB
fsr-3718	14	5	“	"	PUNCT
fsr-3718	14	6	efficient	efficient	ADJ
fsr-3718	14	7	frontiers	frontier	NOUN
fsr-3718	14	8	in	in	ADP
fsr-3718	14	9	estate	estate	NOUN
fsr-3718	14	10	planning	planning	NOUN
fsr-3718	14	11	,	,	PUNCT
fsr-3718	14	12	”	"	PUNCT
fsr-3718	14	13	professor	professor	NOUN
fsr-3718	14	14	crabb	crabb	PROPN
fsr-3718	14	15	uses	use	VERB
fsr-3718	14	16	numeric	numeric	ADJ
fsr-3718	14	17	simulation	simulation	NOUN
fsr-3718	14	18	of	of	ADP
fsr-3718	14	19	the	the	DET
fsr-3718	14	20	age	age	NOUN
fsr-3718	14	21	of	of	ADP
fsr-3718	14	22	death	death	NOUN
fsr-3718	14	23	and	and	CCONJ
fsr-3718	14	24	borrowing	borrowing	NOUN
fsr-3718	14	25	and	and	CCONJ
fsr-3718	14	26	lending	lending	NOUN
fsr-3718	14	27	rates	rate	NOUN
fsr-3718	14	28	to	to	PART
fsr-3718	14	29	see	see	VERB
fsr-3718	14	30	which	which	DET
fsr-3718	14	31	combination	combination	NOUN
fsr-3718	14	32	of	of	ADP
fsr-3718	14	33	estate	estate	NOUN
fsr-3718	14	34	-	-	PUNCT
fsr-3718	14	35	plan	plan	NOUN
fsr-3718	14	36	ning	ning	NOUN
fsr-3718	14	37	tools	tool	NOUN
fsr-3718	14	38	is	be	AUX
fsr-3718	14	39	likely	likely	ADJ
fsr-3718	14	40	to	to	PART
fsr-3718	14	41	yield	yield	VERB
fsr-3718	14	42	the	the	DET
fsr-3718	14	43	best	good	ADJ
fsr-3718	14	44	results	result	NOUN
fsr-3718	14	45	.	.	PUNCT
fsr-3718	15	1	the	the	DET
fsr-3718	15	2	technique	technique	NOUN
fsr-3718	15	3	that	that	PRON
fsr-3718	15	4	he	he	PRON
fsr-3718	15	5	develops	develop	VERB
fsr-3718	15	6	can	can	AUX
fsr-3718	15	7	be	be	AUX
fsr-3718	15	8	used	use	VERB
fsr-3718	15	9	by	by	ADP
fsr-3718	15	10	sophisticated	sophisticated	ADJ
fsr-3718	15	11	estate	estate	NOUN
fsr-3718	15	12	planners	planner	NOUN
fsr-3718	15	13	and	and	CCONJ
fsr-3718	15	14	should	should	AUX
fsr-3718	15	15	become	become	VERB
fsr-3718	15	16	the	the	DET
fsr-3718	15	17	norm	norm	NOUN
fsr-3718	15	18	among	among	ADP
fsr-3718	15	19	practitio	practitio	NOUN
fsr-3718	15	20	ners	ner	NOUN
fsr-3718	15	21	.	.	PUNCT
fsr-3718	16	1	professors	professor	NOUN
fsr-3718	16	2	steven	steven	PROPN
fsr-3718	16	3	p.	p.	PROPN
fsr-3718	16	4	rich	rich	PROPN
fsr-3718	16	5	and	and	CCONJ
fsr-3718	16	6	william	william	PROPN
fsr-3718	16	7	reichenstein	reichenstein	PROPN
fsr-3718	16	8	explain	explain	VERB
fsr-3718	16	9	how	how	SCONJ
fsr-3718	16	10	an	an	DET
fsr-3718	16	11	individual	individual	ADJ
fsr-3718	16	12	investor	investor	NOUN
fsr-3718	16	13	can	can	AUX
fsr-3718	16	14	use	use	VERB
fsr-3718	16	15	market	market	NOUN
fsr-3718	16	16	timing	timing	NOUN
fsr-3718	16	17	to	to	PART
fsr-3718	16	18	boost	boost	VERB
fsr-3718	16	19	portfolio	portfolio	NOUN
fsr-3718	16	20	returns	return	NOUN
fsr-3718	16	21	.	.	PUNCT
fsr-3718	17	1	in	in	ADP
fsr-3718	17	2	their	their	PRON
fsr-3718	17	3	article	article	NOUN
fsr-3718	17	4	entitled	entitle	VERB
fsr-3718	17	5	“	"	PUNCT
fsr-3718	17	6	market	market	NOUN
fsr-3718	17	7	timing	timing	NOUN
fsr-3718	17	8	for	for	ADP
fsr-3718	17	9	the	the	DET
fsr-3718	17	10	individual	individual	ADJ
fsr-3718	17	11	investor	investor	NOUN
fsr-3718	17	12	:	:	PUNCT
fsr-3718	17	13	using	use	VERB
fsr-3718	17	14	the	the	DET
fsr-3718	17	15	predictability	predictability	NOUN
fsr-3718	17	16	of	of	ADP
fsr-3718	17	17	long	long	ADJ
fsr-3718	17	18	-	-	PUNCT
fsr-3718	17	19	horizon	horizon	NOUN
fsr-3718	17	20	v	v	ADP
fsr-3718	17	21	vi	vi	PROPN
fsr-3718	17	22	financial	financial	ADJ
fsr-3718	17	23	services	service	NOUN
fsr-3718	17	24	review	review	NOUN
fsr-3718	17	25	,	,	PUNCT
fsr-3718	17	26	3(l	3(l	NUM
fsr-3718	17	27	)	)	PUNCT
fsr-3718	17	28	1993	1993	NUM
fsr-3718	17	29	stock	stock	NOUN
fsr-3718	17	30	returns	return	NOUN
fsr-3718	17	31	to	to	PART
fsr-3718	17	32	enhance	enhance	VERB
fsr-3718	17	33	portfolio	portfolio	NOUN
fsr-3718	17	34	performance	performance	NOUN
fsr-3718	17	35	,	,	PUNCT
fsr-3718	17	36	”	"	PUNCT
fsr-3718	17	37	they	they	PRON
fsr-3718	17	38	present	present	VERB
fsr-3718	17	39	evidence	evidence	NOUN
fsr-3718	17	40	that	that	SCONJ
fsr-3718	17	41	measures	measure	NOUN
fsr-3718	17	42	of	of	ADP
fsr-3718	17	43	the	the	DET
fsr-3718	17	44	market	market	NOUN
fsr-3718	17	45	risk	risk	NOUN
fsr-3718	17	46	premium	premium	NOUN
fsr-3718	17	47	which	which	PRON
fsr-3718	17	48	are	be	AUX
fsr-3718	17	49	readily	readily	ADV
fsr-3718	17	50	available	available	ADJ
fsr-3718	17	51	to	to	ADP
fsr-3718	17	52	the	the	DET
fsr-3718	17	53	individual	individual	ADJ
fsr-3718	17	54	investor	investor	NOUN
fsr-3718	17	55	show	show	VERB
fsr-3718	17	56	strong	strong	ADJ
fsr-3718	17	57	ability	ability	NOUN
fsr-3718	17	58	to	to	PART
fsr-3718	17	59	time	time	VERB
fsr-3718	17	60	the	the	DET
fsr-3718	17	61	market	market	NOUN
fsr-3718	17	62	.	.	PUNCT
fsr-3718	18	1	they	they	PRON
fsr-3718	18	2	also	also	ADV
fsr-3718	18	3	offer	offer	VERB
fsr-3718	18	4	an	an	DET
fsr-3718	18	5	economic	economic	ADJ
fsr-3718	18	6	justification	justification	NOUN
fsr-3718	18	7	for	for	ADP
fsr-3718	18	8	their	their	PRON
fsr-3718	18	9	results	result	NOUN
fsr-3718	18	10	which	which	PRON
fsr-3718	18	11	is	be	AUX
fsr-3718	18	12	not	not	PART
fsr-3718	18	13	inconsistent	inconsistent	ADJ
fsr-3718	18	14	with	with	ADP
fsr-3718	18	15	efficient	efficient	ADJ
fsr-3718	18	16	markets	market	NOUN
fsr-3718	18	17	.	.	PUNCT
fsr-3718	19	1	consumer	consumer	NOUN
fsr-3718	19	2	borrowing	borrowing	NOUN
fsr-3718	19	3	is	be	AUX
fsr-3718	19	4	often	often	ADV
fsr-3718	19	5	justified	justify	VERB
fsr-3718	19	6	under	under	ADP
fsr-3718	19	7	the	the	DET
fsr-3718	19	8	assumption	assumption	NOUN
fsr-3718	19	9	that	that	SCONJ
fsr-3718	19	10	real	real	ADJ
fsr-3718	19	11	income	income	NOUN
fsr-3718	19	12	will	will	AUX
fsr-3718	19	13	grow	grow	VERB
fsr-3718	19	14	and	and	CCONJ
fsr-3718	19	15	the	the	DET
fsr-3718	19	16	relative	relative	ADJ
fsr-3718	19	17	burden	burden	NOUN
fsr-3718	19	18	of	of	ADP
fsr-3718	19	19	payback	payback	NOUN
fsr-3718	19	20	will	will	AUX
fsr-3718	19	21	be	be	AUX
fsr-3718	19	22	diminished	diminish	VERB
fsr-3718	19	23	.	.	PUNCT
fsr-3718	20	1	in	in	ADP
fsr-3718	20	2	today	today	NOUN
fsr-3718	20	3	’s	’s	PART
fsr-3718	20	4	economic	economic	ADJ
fsr-3718	20	5	era	era	NOUN
fsr-3718	20	6	,	,	PUNCT
fsr-3718	20	7	however	however	ADV
fsr-3718	20	8	,	,	PUNCT
fsr-3718	20	9	growth	growth	NOUN
fsr-3718	20	10	in	in	ADP
fsr-3718	20	11	real	real	ADJ
fsr-3718	20	12	income	income	NOUN
fsr-3718	20	13	is	be	AUX
fsr-3718	20	14	far	far	ADV
fsr-3718	20	15	from	from	ADP
fsr-3718	20	16	assured	assure	VERB
fsr-3718	20	17	and	and	CCONJ
fsr-3718	20	18	people	people	NOUN
fsr-3718	20	19	who	who	PRON
fsr-3718	20	20	borrow	borrow	VERB
fsr-3718	20	21	may	may	AUX
fsr-3718	20	22	end	end	VERB
fsr-3718	20	23	up	up	ADP
fsr-3718	20	24	paying	pay	VERB
fsr-3718	20	25	back	back	ADP
fsr-3718	20	26	their	their	PRON
fsr-3718	20	27	debts	debt	NOUN
fsr-3718	20	28	with	with	ADP
fsr-3718	20	29	a	a	DET
fsr-3718	20	30	larger	large	ADJ
fsr-3718	20	31	piece	piece	NOUN
fsr-3718	20	32	of	of	ADP
fsr-3718	20	33	their	their	PRON
fsr-3718	20	34	income	income	NOUN
fsr-3718	20	35	.	.	PUNCT
fsr-3718	21	1	this	this	PRON
fsr-3718	21	2	is	be	AUX
fsr-3718	21	3	the	the	DET
fsr-3718	21	4	problem	problem	NOUN
fsr-3718	21	5	investigated	investigate	VERB
fsr-3718	21	6	by	by	ADP
fsr-3718	21	7	jessie	jessie	PROPN
fsr-3718	21	8	xiaojing	xiaojing	PROPN
fsr-3718	21	9	fan	fan	PROPN
fsr-3718	21	10	,	,	PUNCT
fsr-3718	21	11	yu	yu	PROPN
fsr-3718	21	12	-	-	PUNCT
fsr-3718	21	13	chun	chun	PROPN
fsr-3718	21	14	regina	regina	PROPN
fsr-3718	21	15	chang	chang	PROPN
fsr-3718	21	16	,	,	PUNCT
fsr-3718	21	17	and	and	CCONJ
fsr-3718	21	18	sherman	sherman	PROPN
fsr-3718	21	19	hanna	hanna	PROPN
fsr-3718	21	20	in	in	ADP
fsr-3718	21	21	their	their	PRON
fsr-3718	21	22	article	article	NOUN
fsr-3718	21	23	entitled	entitle	VERB
fsr-3718	21	24	“	"	PUNCT
fsr-3718	21	25	real	real	ADJ
fsr-3718	21	26	income	income	NOUN
fsr-3718	21	27	growth	growth	NOUN
fsr-3718	21	28	and	and	CCONJ
fsr-3718	21	29	optimal	optimal	ADJ
fsr-3718	21	30	credit	credit	NOUN
fsr-3718	21	31	use	use	NOUN
fsr-3718	21	32	.	.	PUNCT
fsr-3718	21	33	”	"	PUNCT
fsr-3718	22	1	they	they	PRON
fsr-3718	22	2	approach	approach	VERB
fsr-3718	22	3	it	it	PRON
fsr-3718	22	4	theoretically	theoretically	ADV
fsr-3718	22	5	through	through	ADP
fsr-3718	22	6	a	a	DET
fsr-3718	22	7	two	two	NUM
fsr-3718	22	8	period	period	NOUN
fsr-3718	22	9	model	model	NOUN
fsr-3718	22	10	of	of	ADP
fsr-3718	22	11	consumption	consumption	NOUN
fsr-3718	22	12	and	and	CCONJ
fsr-3718	22	13	also	also	ADV
fsr-3718	22	14	analyze	analyze	VERB
fsr-3718	22	15	the	the	DET
fsr-3718	22	16	impact	impact	NOUN
fsr-3718	22	17	of	of	ADP
fsr-3718	22	18	real	real	ADJ
fsr-3718	22	19	income	income	NOUN
fsr-3718	22	20	growth	growth	NOUN
fsr-3718	22	21	with	with	ADP
fsr-3718	22	22	numerical	numerical	ADJ
fsr-3718	22	23	analysis	analysis	NOUN
fsr-3718	22	24	.	.	PUNCT
fsr-3718	23	1	income	income	NOUN
fsr-3718	23	2	uncertainty	uncertainty	NOUN
fsr-3718	23	3	crops	crop	VERB
fsr-3718	23	4	up	up	ADP
fsr-3718	23	5	again	again	ADV
fsr-3718	23	6	in	in	ADP
fsr-3718	23	7	the	the	DET
fsr-3718	23	8	question	question	NOUN
fsr-3718	23	9	of	of	ADP
fsr-3718	23	10	whether	whether	SCONJ
fsr-3718	23	11	well	well	ADV
fsr-3718	23	12	-	-	PUNCT
fsr-3718	23	13	heeled	heel	VERB
fsr-3718	23	14	individuals	individual	NOUN
fsr-3718	23	15	should	should	AUX
fsr-3718	23	16	hold	hold	VERB
fsr-3718	23	17	private	private	ADJ
fsr-3718	23	18	-	-	PUNCT
fsr-3718	23	19	activity	activity	NOUN
fsr-3718	23	20	tax	tax	NOUN
fsr-3718	23	21	-	-	PUNCT
fsr-3718	23	22	exempt	exempt	ADJ
fsr-3718	23	23	bonds	bond	NOUN
fsr-3718	23	24	in	in	ADP
fsr-3718	23	25	their	their	PRON
fsr-3718	23	26	portfolios	portfolio	NOUN
fsr-3718	23	27	if	if	SCONJ
fsr-3718	23	28	such	such	ADJ
fsr-3718	23	29	bonds	bond	NOUN
fsr-3718	23	30	may	may	AUX
fsr-3718	23	31	be	be	AUX
fsr-3718	23	32	subject	subject	ADJ
fsr-3718	23	33	to	to	ADP
fsr-3718	23	34	the	the	DET
fsr-3718	23	35	alternative	alternative	ADJ
fsr-3718	23	36	minimum	minimum	ADJ
fsr-3718	23	37	tax	tax	NOUN
fsr-3718	23	38	.	.	PUNCT
fsr-3718	24	1	in	in	ADP
fsr-3718	24	2	her	her	PRON
fsr-3718	24	3	article	article	NOUN
fsr-3718	24	4	entitled	entitle	VERB
fsr-3718	24	5	‘	'	PUNCT
fsr-3718	24	6	the	the	DET
fsr-3718	24	7	individual	individual	NOUN
fsr-3718	24	8	’s	’s	PART
fsr-3718	24	9	tax	tax	NOUN
fsr-3718	24	10	-	-	PUNCT
fsr-3718	24	11	exempt	exempt	ADJ
fsr-3718	24	12	bond	bond	NOUN
fsr-3718	24	13	portfolio	portfolio	NOUN
fsr-3718	24	14	decision	decision	NOUN
fsr-3718	24	15	under	under	ADP
fsr-3718	24	16	income	income	NOUN
fsr-3718	24	17	uncertainty	uncertainty	NOUN
fsr-3718	24	18	,	,	PUNCT
fsr-3718	24	19	”	"	PUNCT
fsr-3718	24	20	professor	professor	NOUN
fsr-3718	24	21	amy	amy	PROPN
fsr-3718	24	22	puelz	puelz	PROPN
fsr-3718	24	23	shows	show	VERB
fsr-3718	24	24	that	that	SCONJ
fsr-3718	24	25	most	most	ADJ
fsr-3718	24	26	risk	risk	NOUN
fsr-3718	24	27	-	-	PUNCT
fsr-3718	24	28	averse	averse	ADJ
fsr-3718	24	29	investors	investor	NOUN
fsr-3718	24	30	will	will	AUX
fsr-3718	24	31	maximize	maximize	VERB
fsr-3718	24	32	the	the	DET
fsr-3718	24	33	expected	expect	VERB
fsr-3718	24	34	utility	utility	NOUN
fsr-3718	24	35	of	of	ADP
fsr-3718	24	36	their	their	PRON
fsr-3718	24	37	(	(	PUNCT
fsr-3718	24	38	uncertain	uncertain	ADJ
fsr-3718	24	39	)	)	PUNCT
fsr-3718	24	40	after	after	ADP
fsr-3718	24	41	-	-	PUNCT
fsr-3718	24	42	tax	tax	NOUN
fsr-3718	24	43	income	income	NOUN
fsr-3718	24	44	by	by	ADP
fsr-3718	24	45	holding	hold	VERB
fsr-3718	24	46	a	a	DET
fsr-3718	24	47	sizeable	sizeable	ADJ
fsr-3718	24	48	propor	propor	ADJ
fsr-3718	24	49	tion	tion	NOUN
fsr-3718	24	50	of	of	ADP
fsr-3718	24	51	private	private	ADJ
fsr-3718	24	52	activity	activity	NOUN
fsr-3718	24	53	bonds	bond	NOUN
fsr-3718	24	54	.	.	PUNCT
fsr-3718	25	1	the	the	DET
fsr-3718	25	2	last	last	ADJ
fsr-3718	25	3	article	article	NOUN
fsr-3718	25	4	is	be	AUX
fsr-3718	25	5	unique	unique	ADJ
fsr-3718	25	6	in	in	SCONJ
fsr-3718	25	7	that	that	SCONJ
fsr-3718	25	8	it	it	PRON
fsr-3718	25	9	addresses	address	VERB
fsr-3718	25	10	the	the	DET
fsr-3718	25	11	interests	interest	NOUN
fsr-3718	25	12	of	of	ADP
fsr-3718	25	13	a	a	DET
fsr-3718	25	14	different	different	ADJ
fsr-3718	25	15	group	group	NOUN
fsr-3718	25	16	of	of	ADP
fsr-3718	25	17	individuals	individual	NOUN
fsr-3718	25	18	,	,	PUNCT
fsr-3718	25	19	using	use	VERB
fsr-3718	25	20	different	different	ADJ
fsr-3718	25	21	techniques	technique	NOUN
fsr-3718	25	22	than	than	ADP
fsr-3718	25	23	the	the	DET
fsr-3718	25	24	other	other	ADJ
fsr-3718	25	25	articles	article	NOUN
fsr-3718	25	26	in	in	ADP
fsr-3718	25	27	this	this	DET
fsr-3718	25	28	issue	issue	NOUN
fsr-3718	25	29	.	.	PUNCT
fsr-3718	26	1	“	"	PUNCT
fsr-3718	26	2	an	an	DET
fsr-3718	26	3	empirical	empirical	ADJ
fsr-3718	26	4	analysis	analysis	NOUN
fsr-3718	26	5	of	of	ADP
fsr-3718	26	6	the	the	DET
fsr-3718	26	7	use	use	NOUN
fsr-3718	26	8	of	of	ADP
fsr-3718	26	9	money	money	NOUN
fsr-3718	26	10	orders	order	NOUN
fsr-3718	26	11	,	,	PUNCT
fsr-3718	26	12	the	the	DET
fsr-3718	26	13	payment	payment	NOUN
fsr-3718	26	14	system	system	NOUN
fsr-3718	26	15	of	of	ADP
fsr-3718	26	16	the	the	DET
fsr-3718	26	17	poor	poor	ADJ
fsr-3718	26	18	,	,	PUNCT
fsr-3718	26	19	”	"	PUNCT
fsr-3718	26	20	by	by	ADP
fsr-3718	26	21	professors	professor	NOUN
fsr-3718	26	22	kenneth	kenneth	PROPN
fsr-3718	26	23	n.	n.	PROPN
fsr-3718	26	24	daniels	daniels	PROPN
fsr-3718	26	25	,	,	PUNCT
fsr-3718	26	26	neil	neil	PROPN
fsr-3718	26	27	b.	b.	PROPN
fsr-3718	26	28	murphy	murphy	PROPN
fsr-3718	26	29	and	and	CCONJ
fsr-3718	26	30	dennis	dennis	PROPN
fsr-3718	26	31	o’toole	o’toole	PROPN
fsr-3718	26	32	uses	use	VERB
fsr-3718	26	33	federal	federal	PROPN
fsr-3718	26	34	reserve	reserve	NOUN
fsr-3718	26	35	surveys	survey	NOUN
fsr-3718	26	36	carried	carry	VERB
fsr-3718	26	37	out	out	ADP
fsr-3718	26	38	by	by	ADP
fsr-3718	26	39	the	the	DET
fsr-3718	26	40	university	university	PROPN
fsr-3718	26	41	of	of	ADP
fsr-3718	26	42	michigan	michigan	PROPN
fsr-3718	26	43	’s	’s	PART
fsr-3718	26	44	survey	survey	PROPN
fsr-3718	26	45	research	research	NOUN
fsr-3718	26	46	center	center	NOUN
fsr-3718	26	47	to	to	PART
fsr-3718	26	48	find	find	VERB
fsr-3718	26	49	out	out	ADP
fsr-3718	26	50	who	who	PRON
fsr-3718	26	51	uses	use	VERB
fsr-3718	26	52	money	money	NOUN
fsr-3718	26	53	orders	order	NOUN
fsr-3718	26	54	.	.	PUNCT
fsr-3718	27	1	the	the	DET
fsr-3718	27	2	results	result	NOUN
fsr-3718	27	3	indicate	indicate	VERB
fsr-3718	27	4	that	that	SCONJ
fsr-3718	27	5	money	money	NOUN
fsr-3718	27	6	orders	order	NOUN
fsr-3718	27	7	are	be	AUX
fsr-3718	27	8	an	an	DET
fsr-3718	27	9	important	important	ADJ
fsr-3718	27	10	part	part	NOUN
fsr-3718	27	11	of	of	ADP
fsr-3718	27	12	the	the	DET
fsr-3718	27	13	payments	payment	NOUN
fsr-3718	27	14	system	system	NOUN
fsr-3718	27	15	of	of	ADP
fsr-3718	27	16	the	the	DET
fsr-3718	27	17	united	united	PROPN
fsr-3718	27	18	states	states	PROPN
fsr-3718	27	19	but	but	CCONJ
fsr-3718	27	20	that	that	SCONJ
fsr-3718	27	21	they	they	PRON
fsr-3718	27	22	are	be	AUX
fsr-3718	27	23	an	an	DET
fsr-3718	27	24	inferior	inferior	ADJ
fsr-3718	27	25	good	good	NOUN
fsr-3718	27	26	,	,	PUNCT
fsr-3718	27	27	used	use	VERB
fsr-3718	27	28	primarily	primarily	ADV
fsr-3718	27	29	by	by	ADP
fsr-3718	27	30	those	those	PRON
fsr-3718	27	31	with	with	ADP
fsr-3718	27	32	lower	low	ADJ
fsr-3718	27	33	incomes	income	NOUN
fsr-3718	27	34	.	.	PUNCT
fsr-3718	28	1	-lewis	-lewis	PROPN
fsr-3718	28	2	mandell	mandell	NOUN