id	sid	tid	token	lemma	pos
fsr-3723	1	1	pii	pii	PROPN
fsr-3723	1	2	:	:	PUNCT
fsr-3723	1	3	1057	1057	NUM
fsr-3723	1	4	-	-	SYM
fsr-3723	1	5	0810(93)90007	0810(93)90007	NUM
fsr-3723	1	6	-	-	PUNCT
fsr-3723	1	7	d	d	NOUN
fsr-3723	1	8	i	i	PROPN
fsr-3723	1	9	financial	financial	PROPN
fsr-3723	1	10	services	service	NOUN
fsr-3723	1	11	review	review	PROPN
fsr-3723	1	12	,	,	PUNCT
fsr-3723	1	13	3(l	3(l	NUM
fsr-3723	1	14	):	):	PUNCT
fsr-3723	1	15	75	75	NUM
fsr-3723	1	16	-	-	SYM
fsr-3723	1	17	81	81	NUM
fsr-3723	1	18	copyright	copyright	NOUN
fsr-3723	1	19	q	q	PROPN
fsr-3723	1	20	1993	1993	NUM
fsr-3723	1	21	by	by	ADP
fsr-3723	1	22	jai	jai	PROPN
fsr-3723	1	23	press	press	PROPN
fsr-3723	1	24	inc	inc	PROPN
fsr-3723	1	25	.	.	PROPN
fsr-3723	1	26	issn	issn	PROPN
fsr-3723	1	27	:	:	PUNCT
fsr-3723	1	28	1057	1057	NUM
fsr-3723	1	29	-	-	SYM
fsr-3723	1	30	0810	0810	NUM
fsr-3723	1	31	all	all	DET
fsr-3723	1	32	rights	right	NOUN
fsr-3723	1	33	of	of	ADP
fsr-3723	1	34	reproduction	reproduction	NOUN
fsr-3723	1	35	in	in	ADP
fsr-3723	1	36	any	any	DET
fsr-3723	1	37	form	form	NOUN
fsr-3723	1	38	reserved	reserve	VERB
fsr-3723	1	39	.	.	PUNCT
fsr-3723	2	1	i	i	PRON
fsr-3723	2	2	an	an	DET
fsr-3723	2	3	empirical	empirical	ADJ
fsr-3723	2	4	analysis	analysis	NOUN
fsr-3723	2	5	of	of	ADP
fsr-3723	2	6	the	the	DET
fsr-3723	2	7	use	use	NOUN
fsr-3723	2	8	of	of	ADP
fsr-3723	2	9	money	money	NOUN
fsr-3723	2	10	orders	order	NOUN
fsr-3723	2	11	,	,	PUNCT
fsr-3723	2	12	the	the	DET
fsr-3723	2	13	payment	payment	NOUN
fsr-3723	2	14	system	system	NOUN
fsr-3723	2	15	of	of	ADP
fsr-3723	2	16	the	the	DET
fsr-3723	2	17	poor	poor	ADJ
fsr-3723	2	18	kenneth	kenneth	PROPN
fsr-3723	2	19	n.	n.	PROPN
fsr-3723	2	20	daniels	daniels	PROPN
fsr-3723	2	21	neil	neil	PROPN
fsr-3723	2	22	b.	b.	PROPN
fsr-3723	2	23	murphy	murphy	PROPN
fsr-3723	2	24	dennis	dennis	PROPN
fsr-3723	2	25	m.	m.	PROPN
fsr-3723	2	26	o’toole	o’toole	PROPN
fsr-3723	2	27	although	although	SCONJ
fsr-3723	2	28	money	money	NOUN
fsr-3723	2	29	orders	order	NOUN
fsr-3723	2	30	hove	hove	VERB
fsr-3723	2	31	been	be	AUX
fsr-3723	2	32	available	available	ADJ
fsr-3723	2	33	in	in	ADP
fsr-3723	2	34	the	the	DET
fsr-3723	2	35	united	united	PROPN
fsr-3723	2	36	states	states	PROPN
fsr-3723	2	37	since	since	SCONJ
fsr-3723	2	38	the	the	DET
fsr-3723	2	39	civil	civil	ADJ
fsr-3723	2	40	war	war	NOUN
fsr-3723	2	41	,	,	PUNCT
fsr-3723	2	42	until	until	ADP
fsr-3723	2	43	the	the	DET
fsr-3723	2	44	mid	mid	PROPN
fsr-3723	2	45	1970	1970	NUM
fsr-3723	2	46	’s	’s	PART
fsr-3723	2	47	and	and	CCONJ
fsr-3723	2	48	the	the	DET
fsr-3723	2	49	failure	failure	NOUN
fsr-3723	2	50	of	of	ADP
fsr-3723	2	51	united	united	PROPN
fsr-3723	2	52	states	states	PROPN
fsr-3723	2	53	~avigatioa	~avigatioa	PROPN
fsr-3723	2	54	company	company	NOUN
fsr-3723	2	55	and	and	CCONJ
fsr-3723	2	56	~m’versa~	~m’versa~	ADP
fsr-3723	2	57	money	money	NOUN
fsr-3723	2	58	orders	order	NOUN
fsr-3723	2	59	,	,	PUNCT
fsr-3723	2	60	there	there	PRON
fsr-3723	2	61	had	have	AUX
fsr-3723	2	62	been	be	AUX
fsr-3723	2	63	little	little	ADJ
fsr-3723	2	64	analysis	analysis	NOUN
fsr-3723	2	65	of	of	ADP
fsr-3723	2	66	the	the	DET
fsr-3723	2	67	money	money	NOUN
fsr-3723	2	68	order	order	NOUN
fsr-3723	2	69	ma&et	ma&et	PRON
fsr-3723	2	70	.	.	PUNCT
fsr-3723	3	1	this	this	DET
fsr-3723	3	2	s&y	s&y	PROPN
fsr-3723	3	3	e	e	PROPN
fsr-3723	3	4	~	~	PROPN
fsr-3723	3	5	i	i	PRON
fsr-3723	3	6	~	~	NOUN
fsr-3723	3	7	ca~~y	ca~~y	PROPN
fsr-3723	3	8	investigates	investigate	VERB
fsr-3723	3	9	the	the	DET
fsr-3723	3	10	dete	dete	PROPN
fsr-3723	3	11	~	~	SYM
fsr-3723	3	12	inants	inant	NOUN
fsr-3723	3	13	of	of	ADP
fsr-3723	3	14	money	money	NOUN
fsr-3723	3	15	order	order	NOUN
fsr-3723	3	16	usage	usage	NOUN
fsr-3723	3	17	by	by	ADP
fsr-3723	3	18	~use	~use	VERB
fsr-3723	3	19	~	~	ADP
fsr-3723	3	20	l~.	l~.	X
fsr-3723	3	21	the	the	DET
fsr-3723	3	22	results	result	NOUN
fsr-3723	3	23	of	of	ADP
fsr-3723	3	24	the	the	DET
fsr-3723	3	25	st	st	PROPN
fsr-3723	3	26	&	&	CCONJ
fsr-3723	3	27	,	,	PUNCT
fsr-3723	3	28	which	which	PRON
fsr-3723	3	29	utilizes	utilize	VERB
fsr-3723	3	30	two	two	NUM
fsr-3723	3	31	large	large	ADJ
fsr-3723	3	32	national	national	ADJ
fsr-3723	3	33	samples	sample	NOUN
fsr-3723	3	34	,	,	PUNCT
fsr-3723	3	35	indicate	indicate	VERB
fsr-3723	3	36	that	that	SCONJ
fsr-3723	3	37	money	money	NOUN
fsr-3723	3	38	orders	order	NOUN
fsr-3723	3	39	are	be	AUX
fsr-3723	3	40	clearly	clearly	ADV
fsr-3723	3	41	an	an	DET
fsr-3723	3	42	inferior	inferior	ADJ
fsr-3723	3	43	good	good	NOUN
fsr-3723	3	44	which	which	PRON
fsr-3723	3	45	have	have	VERB
fsr-3723	3	46	a	a	DET
fsr-3723	3	47	high	high	ADJ
fsr-3723	3	48	probability	probability	NOUN
fsr-3723	3	49	of	of	ADP
fsr-3723	3	50	being	be	AUX
fsr-3723	3	51	purchased	purchase	VERB
fsr-3723	3	52	by	by	ADP
fsr-3723	3	53	a	a	DET
fsr-3723	3	54	low	low	ADJ
fsr-3723	3	55	income	income	NOUN
fsr-3723	3	56	,	,	PUNCT
fsr-3723	3	57	young	young	ADJ
fsr-3723	3	58	,	,	PUNCT
fsr-3723	3	59	ethnic	ethnic	ADJ
fsr-3723	3	60	minority	minority	NOUN
fsr-3723	3	61	.	.	PUNCT
fsr-3723	4	1	i.	i.	PROPN
fsr-3723	4	2	introduction	introduction	NOUN
fsr-3723	4	3	money	money	NOUN
fsr-3723	4	4	orders	order	NOUN
fsr-3723	4	5	have	have	AUX
fsr-3723	4	6	been	be	AUX
fsr-3723	4	7	available	available	ADJ
fsr-3723	4	8	in	in	ADP
fsr-3723	4	9	the	the	DET
fsr-3723	4	10	united	united	PROPN
fsr-3723	4	11	states	states	PROPN
fsr-3723	4	12	since	since	SCONJ
fsr-3723	4	13	the	the	DET
fsr-3723	4	14	civil	civil	ADJ
fsr-3723	4	15	war	war	NOUN
fsr-3723	4	16	but	but	CCONJ
fsr-3723	4	17	actually	actually	ADV
fsr-3723	4	18	originated	originate	VERB
fsr-3723	4	19	in	in	ADP
fsr-3723	4	20	france	france	PROPN
fsr-3723	4	21	in	in	ADP
fsr-3723	4	22	the	the	DET
fsr-3723	4	23	form	form	NOUN
fsr-3723	4	24	of	of	ADP
fsr-3723	4	25	postal	postal	ADJ
fsr-3723	4	26	money	money	NOUN
fsr-3723	4	27	orders	order	NOUN
fsr-3723	4	28	in	in	ADP
fsr-3723	4	29	1627	1627	NUM
fsr-3723	4	30	.	.	PUNCT
fsr-3723	5	1	yet	yet	ADV
fsr-3723	5	2	until	until	ADP
fsr-3723	5	3	the	the	DET
fsr-3723	5	4	mid	mid	ADJ
fsr-3723	5	5	197os	197os	NOUN
fsr-3723	5	6	,	,	PUNCT
fsr-3723	5	7	there	there	PRON
fsr-3723	5	8	had	have	AUX
fsr-3723	5	9	been	be	AUX
fsr-3723	5	10	very	very	ADV
fsr-3723	5	11	little	little	ADJ
fsr-3723	5	12	analysis	analysis	NOUN
fsr-3723	5	13	of	of	ADP
fsr-3723	5	14	the	the	DET
fsr-3723	5	15	money	money	NOUN
fsr-3723	5	16	order	order	NOUN
fsr-3723	5	17	market	market	NOUN
fsr-3723	5	18	in	in	ADP
fsr-3723	5	19	the	the	DET
fsr-3723	5	20	united	united	PROPN
fsr-3723	5	21	states	states	PROPN
fsr-3723	5	22	.	.	PUNCT
fsr-3723	6	1	it	it	PRON
fsr-3723	6	2	took	take	VERB
fsr-3723	6	3	the	the	DET
fsr-3723	6	4	failure	failure	NOUN
fsr-3723	6	5	of	of	ADP
fsr-3723	6	6	united	united	PROPN
fsr-3723	6	7	states	states	PROPN
fsr-3723	6	8	navigation	navigation	NOUN
fsr-3723	6	9	company	company	NOUN
fsr-3723	6	10	and	and	CCONJ
fsr-3723	6	11	univer	univer	VERB
fsr-3723	6	12	sal	sal	PROPN
fsr-3723	6	13	money	money	NOUN
fsr-3723	6	14	orders	order	NOUN
fsr-3723	6	15	in	in	ADP
fsr-3723	6	16	1977	1977	NUM
fsr-3723	6	17	to	to	PART
fsr-3723	6	18	focus	focus	VERB
fsr-3723	6	19	attention	attention	NOUN
fsr-3723	6	20	on	on	ADP
fsr-3723	6	21	the	the	DET
fsr-3723	6	22	money	money	NOUN
fsr-3723	6	23	order	order	NOUN
fsr-3723	6	24	industry	industry	NOUN
fsr-3723	6	25	.	.	PUNCT
fsr-3723	7	1	this	this	DET
fsr-3723	7	2	failure	failure	NOUN
fsr-3723	7	3	left	leave	VERB
fsr-3723	7	4	250,000	250,000	NUM
fsr-3723	7	5	customers	customer	NOUN
fsr-3723	7	6	holding	hold	VERB
fsr-3723	7	7	over	over	ADP
fsr-3723	7	8	$	$	SYM
fsr-3723	7	9	15	15	NUM
fsr-3723	7	10	million	million	NUM
fsr-3723	7	11	in	in	ADP
fsr-3723	7	12	dishonored	dishonored	ADJ
fsr-3723	7	13	money	money	NOUN
fsr-3723	7	14	orders	order	NOUN
fsr-3723	7	15	.	.	PUNCT
fsr-3723	8	1	horvitz	horvitz	PROPN
fsr-3723	8	2	and	and	CCONJ
fsr-3723	8	3	harper	harper	PROPN
fsr-3723	8	4	(	(	PUNCT
fsr-3723	8	5	1980	1980	NUM
fsr-3723	8	6	)	)	PUNCT
fsr-3723	8	7	estimated	estimate	VERB
fsr-3723	8	8	that	that	SCONJ
fsr-3723	8	9	in	in	ADP
fsr-3723	8	10	1977	1977	NUM
fsr-3723	8	11	nearly	nearly	ADV
fsr-3723	8	12	a	a	DET
fsr-3723	8	13	billion	billion	NUM
fsr-3723	8	14	money	money	NOUN
fsr-3723	8	15	orders	order	NOUN
fsr-3723	8	16	were	be	AUX
fsr-3723	8	17	sold	sell	VERB
fsr-3723	8	18	with	with	ADP
fsr-3723	8	19	a	a	DET
fsr-3723	8	20	total	total	ADJ
fsr-3723	8	21	value	value	NOUN
fsr-3723	8	22	of	of	ADP
fsr-3723	8	23	over	over	ADP
fsr-3723	8	24	$	$	SYM
fsr-3723	8	25	40	40	NUM
fsr-3723	8	26	billion	billion	NUM
fsr-3723	8	27	dollars	dollar	NOUN
fsr-3723	8	28	.	.	PUNCT
fsr-3723	9	1	assuming	assume	VERB
fsr-3723	9	2	no	no	DET
fsr-3723	9	3	growth	growth	NOUN
fsr-3723	9	4	in	in	ADP
fsr-3723	9	5	the	the	DET
fsr-3723	9	6	number	number	NOUN
fsr-3723	9	7	of	of	ADP
fsr-3723	9	8	money	money	NOUN
fsr-3723	9	9	order	order	NOUN
fsr-3723	9	10	sales	sale	NOUN
fsr-3723	9	11	since	since	SCONJ
fsr-3723	9	12	1977	1977	NUM
fsr-3723	9	13	,	,	PUNCT
fsr-3723	9	14	and	and	CCONJ
fsr-3723	9	15	adjusting	adjust	VERB
fsr-3723	9	16	only	only	ADV
fsr-3723	9	17	for	for	ADP
fsr-3723	9	18	price	price	NOUN
fsr-3723	9	19	changes	change	NOUN
fsr-3723	9	20	,	,	PUNCT
fsr-3723	9	21	a	a	DET
fsr-3723	9	22	total	total	ADJ
fsr-3723	9	23	value	value	NOUN
fsr-3723	9	24	of	of	ADP
fsr-3723	9	25	over	over	ADP
fsr-3723	9	26	$	$	SYM
fsr-3723	9	27	87	87	NUM
fsr-3723	9	28	billion	billion	NUM
fsr-3723	9	29	were	be	AUX
fsr-3723	9	30	sold	sell	VERB
fsr-3723	9	31	in	in	ADP
fsr-3723	9	32	199	199	NUM
fsr-3723	9	33	1	1	NUM
fsr-3723	9	34	.	.	PUNCT
fsr-3723	10	1	despite	despite	SCONJ
fsr-3723	10	2	this	this	DET
fsr-3723	10	3	long	long	ADJ
fsr-3723	10	4	history	history	NOUN
fsr-3723	10	5	and	and	CCONJ
fsr-3723	10	6	the	the	DET
fsr-3723	10	7	significant	significant	ADJ
fsr-3723	10	8	size	size	NOUN
fsr-3723	10	9	of	of	ADP
fsr-3723	10	10	the	the	DET
fsr-3723	10	11	market	market	NOUN
fsr-3723	10	12	,	,	PUNCT
fsr-3723	10	13	money	money	NOUN
fsr-3723	10	14	orders	order	NOUN
fsr-3723	10	15	remain	remain	VERB
fsr-3723	10	16	a	a	DET
fsr-3723	10	17	forgotten	forget	VERB
fsr-3723	10	18	part	part	NOUN
fsr-3723	10	19	of	of	ADP
fsr-3723	10	20	the	the	DET
fsr-3723	10	21	payment	payment	NOUN
fsr-3723	10	22	system	system	NOUN
fsr-3723	10	23	for	for	ADP
fsr-3723	10	24	researchers	researcher	NOUN
fsr-3723	10	25	.	.	PUNCT
fsr-3723	11	1	the	the	DET
fsr-3723	11	2	lack	lack	NOUN
fsr-3723	11	3	of	of	ADP
fsr-3723	11	4	research	research	NOUN
fsr-3723	11	5	information	information	NOUN
fsr-3723	11	6	on	on	ADP
fsr-3723	11	7	money	money	NOUN
fsr-3723	11	8	orders	order	NOUN
fsr-3723	11	9	is	be	AUX
fsr-3723	11	10	due	due	ADJ
fsr-3723	11	11	to	to	ADP
fsr-3723	11	12	several	several	ADJ
fsr-3723	11	13	factors	factor	NOUN
fsr-3723	11	14	.	.	PUNCT
fsr-3723	12	1	kenneth	kenneth	PROPN
fsr-3723	12	2	n.	n.	PROPN
fsr-3723	12	3	daniels	daniels	PROPN
fsr-3723	12	4	l	l	PROPN
fsr-3723	12	5	dep	dep	PROPN
fsr-3723	12	6	~	~	PROPN
fsr-3723	12	7	ent	ent	NOUN
fsr-3723	12	8	of	of	ADP
fsr-3723	12	9	finance	finance	NOUN
fsr-3723	12	10	and	and	CCONJ
fsr-3723	12	11	insurance	insurance	NOUN
fsr-3723	12	12	,	,	PUNCT
fsr-3723	12	13	v	v	NOUN
fsr-3723	12	14	~	~	SYM
fsr-3723	12	15	rgj	rgj	NOUN
fsr-3723	12	16	~	~	PUNCT
fsr-3723	12	17	a	a	DET
fsr-3723	12	18	commonweai~	commonweai~	NOUN
fsr-3723	12	19	u	u	NOUN
fsr-3723	12	20	~	~	NOUN
fsr-3723	12	21	versity	versity	NOUN
fsr-3723	12	22	,	,	PUNCT
fsr-3723	12	23	richmond	richmond	PROPN
fsr-3723	12	24	,	,	PUNCT
fsr-3723	12	25	va	va	PROPN
fsr-3723	12	26	23284~4ooo	23284~4ooo	PROPN
fsr-3723	12	27	.	.	PUNCT
fsr-3723	12	28	neil	neil	PROPN
fsr-3723	12	29	b.	b.	PROPN
fsr-3723	12	30	murphy	murphy	PROPN
fsr-3723	12	31	l	l	PROPN
fsr-3723	12	32	department	department	PROPN
fsr-3723	12	33	of	of	ADP
fsr-3723	12	34	finance	finance	NOUN
fsr-3723	12	35	and	and	CCONJ
fsr-3723	12	36	insurance	insurance	NOUN
fsr-3723	12	37	,	,	PUNCT
fsr-3723	12	38	virginia	virginia	PROPN
fsr-3723	12	39	commonwealth	commonwealth	PROPN
fsr-3723	12	40	university	university	PROPN
fsr-3723	12	41	,	,	PUNCT
fsr-3723	12	42	richmond	richmond	PROPN
fsr-3723	12	43	,	,	PUNCT
fsr-3723	12	44	va	va	PROPN
fsr-3723	12	45	23284	23284	NUM
fsr-3723	12	46	-	-	SYM
fsr-3723	12	47	4000	4000	NUM
fsr-3723	12	48	.	.	PUNCT
fsr-3723	13	1	dennis	dennis	PROPN
fsr-3723	13	2	m.	m.	PROPN
fsr-3723	13	3	o’toole	o’toole	PROPN
fsr-3723	13	4	l	l	PROPN
fsr-3723	13	5	department	department	PROPN
fsr-3723	13	6	of	of	ADP
fsr-3723	13	7	economics	economics	PROPN
fsr-3723	13	8	,	,	PUNCT
fsr-3723	13	9	virginia	virginia	PROPN
fsr-3723	13	10	commonwealth	commonwealth	PROPN
fsr-3723	13	11	university	university	PROPN
fsr-3723	13	12	,	,	PUNCT
fsr-3723	13	13	richmond	richmond	PROPN
fsr-3723	13	14	,	,	PUNCT
fsr-3723	13	15	va	va	PROPN
fsr-3723	13	16	23284	23284	NUM
fsr-3723	13	17	-	-	SYM
fsr-3723	13	18	4000	4000	NUM
fsr-3723	13	19	.	.	PUNCT
fsr-3723	14	1	76	76	NUM
fsr-3723	14	2	~anc	~anc	NOUN
fsr-3723	14	3	~	~	SYM
fsr-3723	14	4	ls	ls	PROPN
fsr-3723	14	5	~	~	NOUN
fsr-3723	14	6	rvices	rvice	NOUN
fsr-3723	14	7	~	~	SYM
fsr-3723	14	8	v	v	ADP
fsr-3723	14	9	~	~	SYM
fsr-3723	14	10	w,3~1	w,3~1	NOUN
fsr-3723	14	11	)	)	PUNCT
fsr-3723	14	12	1993	1993	NUM
fsr-3723	14	13	1	1	NUM
fsr-3723	14	14	.	.	PUNCT
fsr-3723	15	1	most	most	ADJ
fsr-3723	15	2	states	state	NOUN
fsr-3723	15	3	do	do	AUX
fsr-3723	15	4	not	not	PART
fsr-3723	15	5	require	require	VERB
fsr-3723	15	6	money	money	NOUN
fsr-3723	15	7	order	order	NOUN
fsr-3723	15	8	companies	company	NOUN
fsr-3723	15	9	to	to	PART
fsr-3723	15	10	submit	submit	VERB
fsr-3723	15	11	data	datum	NOUN
fsr-3723	15	12	related	relate	VERB
fsr-3723	15	13	to	to	ADP
fsr-3723	15	14	volume	volume	NOUN
fsr-3723	15	15	of	of	ADP
fsr-3723	15	16	money	money	NOUN
fsr-3723	15	17	order	order	NOUN
fsr-3723	15	18	sales	sale	NOUN
fsr-3723	15	19	.	.	PUNCT
fsr-3723	16	1	2	2	X
fsr-3723	16	2	.	.	X
fsr-3723	16	3	information	information	NOUN
fsr-3723	16	4	on	on	ADP
fsr-3723	16	5	money	money	NOUN
fsr-3723	16	6	orders	order	NOUN
fsr-3723	16	7	is	be	AUX
fsr-3723	16	8	difficult	difficult	ADJ
fsr-3723	16	9	to	to	PART
fsr-3723	16	10	compile	compile	VERB
fsr-3723	16	11	because	because	SCONJ
fsr-3723	16	12	of	of	ADP
fsr-3723	16	13	the	the	DET
fsr-3723	16	14	fragmented	fragmented	ADJ
fsr-3723	16	15	nature	nature	NOUN
fsr-3723	16	16	of	of	ADP
fsr-3723	16	17	the	the	DET
fsr-3723	16	18	market	market	NOUN
fsr-3723	16	19	.	.	PUNCT
fsr-3723	17	1	little	little	ADJ
fsr-3723	17	2	,	,	PUNCT
fsr-3723	17	3	if	if	SCONJ
fsr-3723	17	4	any	any	PRON
fsr-3723	17	5	,	,	PUNCT
fsr-3723	17	6	financial	financial	ADJ
fsr-3723	17	7	data	datum	NOUN
fsr-3723	17	8	are	be	AUX
fsr-3723	17	9	available	available	ADJ
fsr-3723	17	10	on	on	ADP
fsr-3723	17	11	the	the	DET
fsr-3723	17	12	vast	vast	ADJ
fsr-3723	17	13	number	number	NOUN
fsr-3723	17	14	of	of	ADP
fsr-3723	17	15	small	small	ADJ
fsr-3723	17	16	issuers	issuer	NOUN
fsr-3723	17	17	in	in	ADP
fsr-3723	17	18	the	the	DET
fsr-3723	17	19	market	market	NOUN
fsr-3723	17	20	such	such	ADJ
fsr-3723	17	21	as	as	ADP
fsr-3723	17	22	liquor	liquor	NOUN
fsr-3723	17	23	stores	store	NOUN
fsr-3723	17	24	and	and	CCONJ
fsr-3723	17	25	small	small	ADJ
fsr-3723	17	26	grocery	grocery	NOUN
fsr-3723	17	27	stores	store	NOUN
fsr-3723	17	28	.	.	PUNCT
fsr-3723	18	1	often	often	ADV
fsr-3723	18	2	,	,	PUNCT
fsr-3723	18	3	no	no	DET
fsr-3723	18	4	record	record	NOUN
fsr-3723	18	5	exists	exist	VERB
fsr-3723	18	6	of	of	ADP
fsr-3723	18	7	even	even	ADV
fsr-3723	18	8	how	how	SCONJ
fsr-3723	18	9	many	many	ADJ
fsr-3723	18	10	such	such	ADJ
fsr-3723	18	11	firms	firm	NOUN
fsr-3723	18	12	there	there	PRON
fsr-3723	18	13	are	be	VERB
fsr-3723	18	14	.	.	PUNCT
fsr-3723	19	1	3	3	X
fsr-3723	19	2	.	.	X
fsr-3723	19	3	money	money	NOUN
fsr-3723	19	4	order	order	NOUN
fsr-3723	19	5	information	information	NOUN
fsr-3723	19	6	is	be	AUX
fsr-3723	19	7	often	often	ADV
fsr-3723	19	8	combined	combine	VERB
fsr-3723	19	9	with	with	ADP
fsr-3723	19	10	travelers	traveler	NOUN
fsr-3723	19	11	’	'	PUNCT
fsr-3723	19	12	checks	check	NOUN
fsr-3723	19	13	or	or	CCONJ
fsr-3723	19	14	certified	certify	VERB
fsr-3723	19	15	checks	check	NOUN
fsr-3723	19	16	and	and	CCONJ
fsr-3723	19	17	is	be	AUX
fsr-3723	19	18	difficult	difficult	ADJ
fsr-3723	19	19	to	to	PART
fsr-3723	19	20	separate	separate	VERB
fsr-3723	19	21	.	.	PUNCT
fsr-3723	20	1	4	4	X
fsr-3723	20	2	.	.	X
fsr-3723	20	3	many	many	ADJ
fsr-3723	20	4	licensed	licensed	ADJ
fsr-3723	20	5	issuers	issuer	NOUN
fsr-3723	20	6	do	do	AUX
fsr-3723	20	7	not	not	PART
fsr-3723	20	8	file	file	VERB
fsr-3723	20	9	public	public	ADJ
fsr-3723	20	10	financial	financial	ADJ
fsr-3723	20	11	statements	statement	NOUN
fsr-3723	20	12	because	because	SCONJ
fsr-3723	20	13	they	they	PRON
fsr-3723	20	14	are	be	AUX
fsr-3723	20	15	privately	privately	ADV
fsr-3723	20	16	held	hold	VERB
fsr-3723	20	17	and	and	CCONJ
fsr-3723	20	18	have	have	VERB
fsr-3723	20	19	less	less	ADJ
fsr-3723	20	20	than	than	ADP
fsr-3723	20	21	500	500	NUM
fsr-3723	20	22	sh	sh	NOUN
fsr-3723	20	23	~	~	NOUN
fsr-3723	20	24	eholde~.	eholde~.	NUM
fsr-3723	20	25	the	the	DET
fsr-3723	20	26	purpose	purpose	NOUN
fsr-3723	20	27	of	of	ADP
fsr-3723	20	28	this	this	DET
fsr-3723	20	29	study	study	NOUN
fsr-3723	20	30	is	be	AUX
fsr-3723	20	31	to	to	PART
fsr-3723	20	32	empirically	empirically	ADV
fsr-3723	20	33	investigate	investigate	VERB
fsr-3723	20	34	the	the	DET
fsr-3723	20	35	determinants	determinant	NOUN
fsr-3723	20	36	of	of	ADP
fsr-3723	20	37	usage	usage	NOUN
fsr-3723	20	38	of	of	ADP
fsr-3723	20	39	money	money	NOUN
fsr-3723	20	40	orders	order	NOUN
fsr-3723	20	41	by	by	ADP
fsr-3723	20	42	households	household	NOUN
fsr-3723	20	43	.	.	PUNCT
fsr-3723	21	1	in	in	ADP
fsr-3723	21	2	section	section	PROPN
fsr-3723	21	3	ii	ii	PROPN
fsr-3723	21	4	,	,	PUNCT
fsr-3723	21	5	the	the	DET
fsr-3723	21	6	background	background	NOUN
fsr-3723	21	7	and	and	CCONJ
fsr-3723	21	8	the	the	DET
fsr-3723	21	9	nature	nature	NOUN
fsr-3723	21	10	of	of	ADP
fsr-3723	21	11	the	the	DET
fsr-3723	21	12	money	money	NOUN
fsr-3723	21	13	order	order	NOUN
fsr-3723	21	14	industry	industry	NOUN
fsr-3723	21	15	are	be	AUX
fsr-3723	21	16	presented	present	VERB
fsr-3723	21	17	.	.	PUNCT
fsr-3723	22	1	section	section	NOUN
fsr-3723	22	2	iii	iii	PROPN
fsr-3723	22	3	contains	contain	VERB
fsr-3723	22	4	a	a	DET
fsr-3723	22	5	review	review	NOUN
fsr-3723	22	6	of	of	ADP
fsr-3723	22	7	infor	infor	PROPN
fsr-3723	22	8	mation	mation	PROPN
fsr-3723	22	9	on	on	ADP
fsr-3723	22	10	the	the	DET
fsr-3723	22	11	users	user	NOUN
fsr-3723	22	12	of	of	ADP
fsr-3723	22	13	money	money	NOUN
fsr-3723	22	14	orders	order	NOUN
fsr-3723	22	15	found	find	VERB
fsr-3723	22	16	in	in	ADP
fsr-3723	22	17	a	a	DET
fsr-3723	22	18	previous	previous	ADJ
fsr-3723	22	19	study	study	NOUN
fsr-3723	22	20	.	.	PUNCT
fsr-3723	23	1	the	the	DET
fsr-3723	23	2	data	data	NOUN
fsr-3723	23	3	source	source	NOUN
fsr-3723	23	4	and	and	CCONJ
fsr-3723	23	5	the	the	DET
fsr-3723	23	6	empirical	empirical	ADJ
fsr-3723	23	7	results	result	NOUN
fsr-3723	23	8	are	be	AUX
fsr-3723	23	9	discussed	discuss	VERB
fsr-3723	23	10	in	in	ADP
fsr-3723	23	11	section	section	NOUN
fsr-3723	23	12	iv	iv	NUM
fsr-3723	23	13	.	.	PUNCT
fsr-3723	23	14	section	section	PROPN
fsr-3723	23	15	v	v	PROPN
fsr-3723	23	16	is	be	AUX
fsr-3723	23	17	the	the	DET
fsr-3723	23	18	summary	summary	NOUN
fsr-3723	23	19	and	and	CCONJ
fsr-3723	23	20	conclusion	conclusion	NOUN
fsr-3723	23	21	.	.	PUNCT
fsr-3723	24	1	ii	ii	PROPN
fsr-3723	24	2	.	.	PUNCT
fsr-3723	24	3	backgr	backgr	PROPN
fsr-3723	24	4	~	~	PUNCT
fsr-3723	24	5	u	u	NOUN
fsr-3723	24	6	~	~	PROPN
fsr-3723	24	7	on~	on~	PROPN
fsr-3723	24	8	money	money	NOUN
fsr-3723	24	9	o	o	NOUN
fsr-3723	24	10	~	~	SYM
fsr-3723	24	11	er~~us	er~~us	PROPN
fsr-3723	24	12	~	~	PROPN
fsr-3723	24	13	y	y	PROPN
fsr-3723	24	14	a	a	DET
fsr-3723	24	15	money	money	NOUN
fsr-3723	24	16	order	order	NOUN
fsr-3723	24	17	,	,	PUNCT
fsr-3723	24	18	like	like	ADP
fsr-3723	24	19	a	a	DET
fsr-3723	24	20	check	check	NOUN
fsr-3723	24	21	,	,	PUNCT
fsr-3723	24	22	is	be	AUX
fsr-3723	24	23	a	a	DET
fsr-3723	24	24	means	means	NOUN
fsr-3723	24	25	of	of	ADP
fsr-3723	24	26	transmitting	transmit	VERB
fsr-3723	24	27	money	money	NOUN
fsr-3723	24	28	from	from	ADP
fsr-3723	24	29	one	one	NUM
fsr-3723	24	30	party	party	NOUN
fsr-3723	24	31	to	to	ADP
fsr-3723	24	32	another	another	PRON
fsr-3723	24	33	.	.	PUNCT
fsr-3723	25	1	more	more	ADV
fsr-3723	25	2	specifically	specifically	ADV
fsr-3723	25	3	,	,	PUNCT
fsr-3723	25	4	a	a	DET
fsr-3723	25	5	money	money	NOUN
fsr-3723	25	6	order	order	NOUN
fsr-3723	25	7	is	be	AUX
fsr-3723	25	8	an	an	DET
fsr-3723	25	9	order	order	NOUN
fsr-3723	25	10	for	for	ADP
fsr-3723	25	11	the	the	DET
fsr-3723	25	12	payment	payment	NOUN
fsr-3723	25	13	,	,	PUNCT
fsr-3723	25	14	usually	usually	ADV
fsr-3723	25	15	to	to	ADP
fsr-3723	25	16	a	a	DET
fsr-3723	25	17	third	third	ADJ
fsr-3723	25	18	party	party	NOUN
fsr-3723	25	19	,	,	PUNCT
fsr-3723	25	20	of	of	ADP
fsr-3723	25	21	a	a	DET
fsr-3723	25	22	sum	sum	NOUN
fsr-3723	25	23	of	of	ADP
fsr-3723	25	24	money	money	NOUN
fsr-3723	25	25	specified	specify	VERB
fsr-3723	25	26	by	by	ADP
fsr-3723	25	27	the	the	DET
fsr-3723	25	28	purchaser	purchaser	NOUN
fsr-3723	25	29	.	.	PUNCT
fsr-3723	26	1	for	for	ADP
fsr-3723	26	2	example	example	NOUN
fsr-3723	26	3	,	,	PUNCT
fsr-3723	26	4	a	a	DET
fsr-3723	26	5	person	person	NOUN
fsr-3723	26	6	could	could	AUX
fsr-3723	26	7	go	go	VERB
fsr-3723	26	8	to	to	ADP
fsr-3723	26	9	the	the	DET
fsr-3723	26	10	local	local	ADJ
fsr-3723	26	11	post	post	NOUN
fsr-3723	26	12	office	office	NOUN
fsr-3723	26	13	and	and	CCONJ
fsr-3723	26	14	for	for	ADP
fsr-3723	26	15	a	a	DET
fsr-3723	26	16	small	small	ADJ
fsr-3723	26	17	fee	fee	NOUN
fsr-3723	26	18	plus	plus	CCONJ
fsr-3723	26	19	one	one	NUM
fsr-3723	26	20	hundred	hundred	NUM
fsr-3723	26	21	dollars	dollar	NOUN
fsr-3723	26	22	,	,	PUNCT
fsr-3723	26	23	purchase	purchase	VERB
fsr-3723	26	24	a	a	DET
fsr-3723	26	25	one	one	NUM
fsr-3723	26	26	hundred	hundred	NUM
fsr-3723	26	27	doliar	doliar	ADJ
fsr-3723	26	28	money	money	NOUN
fsr-3723	26	29	order	order	NOUN
fsr-3723	26	30	to	to	PART
fsr-3723	26	31	pay	pay	VERB
fsr-3723	26	32	his	his	PRON
fsr-3723	26	33	utility	utility	NOUN
fsr-3723	26	34	bill	bill	NOUN
fsr-3723	26	35	.	.	PUNCT
fsr-3723	27	1	the	the	DET
fsr-3723	27	2	purchaser	purchaser	NOUN
fsr-3723	27	3	receives	receive	VERB
fsr-3723	27	4	the	the	DET
fsr-3723	27	5	money	money	NOUN
fsr-3723	27	6	order	order	NOUN
fsr-3723	27	7	from	from	ADP
fsr-3723	27	8	the	the	DET
fsr-3723	27	9	post	post	PROPN
fsr-3723	27	10	office	office	NOUN
fsr-3723	27	11	,	,	PUNCT
fsr-3723	27	12	writes	write	VERB
fsr-3723	27	13	the	the	DET
fsr-3723	27	14	name	name	NOUN
fsr-3723	27	15	of	of	ADP
fsr-3723	27	16	the	the	DET
fsr-3723	27	17	utility	utility	NOUN
fsr-3723	27	18	on	on	ADP
fsr-3723	27	19	the	the	DET
fsr-3723	27	20	money	money	NOUN
fsr-3723	27	21	order	order	NOUN
fsr-3723	27	22	,	,	PUNCT
fsr-3723	27	23	and	and	CCONJ
fsr-3723	27	24	sends	send	VERB
fsr-3723	27	25	it	it	PRON
fsr-3723	27	26	to	to	ADP
fsr-3723	27	27	the	the	DET
fsr-3723	27	28	utility	utility	NOUN
fsr-3723	27	29	.	.	PUNCT
fsr-3723	28	1	thus	thus	ADV
fsr-3723	28	2	,	,	PUNCT
fsr-3723	28	3	the	the	DET
fsr-3723	28	4	money	money	NOUN
fsr-3723	28	5	order	order	NOUN
fsr-3723	28	6	serves	serve	VERB
fsr-3723	28	7	the	the	DET
fsr-3723	28	8	same	same	ADJ
fsr-3723	28	9	purpose	purpose	NOUN
fsr-3723	28	10	as	as	ADP
fsr-3723	28	11	a	a	DET
fsr-3723	28	12	check	check	NOUN
fsr-3723	28	13	.	.	PUNCT
fsr-3723	29	1	money	money	NOUN
fsr-3723	29	2	orders	order	NOUN
fsr-3723	29	3	are	be	AUX
fsr-3723	29	4	included	include	VERB
fsr-3723	29	5	in	in	ADP
fsr-3723	29	6	the	the	DET
fsr-3723	29	7	ml	ml	NOUN
fsr-3723	29	8	definition	definition	NOUN
fsr-3723	29	9	of	of	ADP
fsr-3723	29	10	the	the	DET
fsr-3723	29	11	money	money	NOUN
fsr-3723	29	12	supply	supply	NOUN
fsr-3723	29	13	.	.	PUNCT
fsr-3723	30	1	bank	bank	NOUN
fsr-3723	30	2	money	money	NOUN
fsr-3723	30	3	orders	order	NOUN
fsr-3723	30	4	are	be	AUX
fsr-3723	30	5	considered	consider	VERB
fsr-3723	30	6	a	a	DET
fsr-3723	30	7	part	part	NOUN
fsr-3723	30	8	of	of	ADP
fsr-3723	30	9	the	the	DET
fsr-3723	30	10	“	"	PUNCT
fsr-3723	30	11	demand	demand	NOUN
fsr-3723	30	12	deposit	deposit	NOUN
fsr-3723	30	13	”	"	PUNCT
fsr-3723	30	14	component	component	NOUN
fsr-3723	30	15	of	of	ADP
fsr-3723	30	16	m	m	PROPN
fsr-3723	30	17	1	1	NUM
fsr-3723	30	18	and	and	CCONJ
fsr-3723	30	19	thrift	thrift	NOUN
fsr-3723	30	20	money	money	NOUN
fsr-3723	30	21	orders	order	NOUN
fsr-3723	30	22	are	be	AUX
fsr-3723	30	23	included	include	VERB
fsr-3723	30	24	in	in	ADP
fsr-3723	30	25	the	the	DET
fsr-3723	30	26	“	"	PUNCT
fsr-3723	30	27	other	other	ADJ
fsr-3723	30	28	checkable	checkable	ADJ
fsr-3723	30	29	deposit	deposit	NOUN
fsr-3723	30	30	”	"	PUNCT
fsr-3723	30	31	of	of	ADP
fsr-3723	30	32	ml	ml	PROPN
fsr-3723	30	33	.	.	PUNCT
fsr-3723	31	1	money	money	NOUN
fsr-3723	31	2	orders	order	NOUN
fsr-3723	31	3	issued	issue	VERB
fsr-3723	31	4	by	by	ADP
fsr-3723	31	5	commercial	commercial	ADJ
fsr-3723	31	6	issuers	issuer	NOUN
fsr-3723	31	7	such	such	ADJ
fsr-3723	31	8	as	as	ADP
fsr-3723	31	9	american	american	PROPN
fsr-3723	31	10	express	express	PROPN
fsr-3723	31	11	are	be	AUX
fsr-3723	31	12	included	include	VERB
fsr-3723	31	13	in	in	ADP
fsr-3723	31	14	the	the	DET
fsr-3723	31	15	“	"	PUNCT
fsr-3723	31	16	travelers	traveler	NOUN
fsr-3723	31	17	checks	check	NOUN
fsr-3723	31	18	”	"	PUNCT
fsr-3723	31	19	component	component	NOUN
fsr-3723	31	20	.	.	PUNCT
fsr-3723	32	1	thus	thus	ADV
fsr-3723	32	2	,	,	PUNCT
fsr-3723	32	3	the	the	DET
fsr-3723	32	4	exact	exact	ADJ
fsr-3723	32	5	component	component	NOUN
fsr-3723	32	6	of	of	ADP
fsr-3723	32	7	ml	ml	NOUN
fsr-3723	32	8	depends	depend	VERB
fsr-3723	32	9	on	on	ADP
fsr-3723	32	10	the	the	DET
fsr-3723	32	11	agency	agency	NOUN
fsr-3723	32	12	issuing	issue	VERB
fsr-3723	32	13	the	the	DET
fsr-3723	32	14	money	money	NOUN
fsr-3723	32	15	order	order	NOUN
fsr-3723	32	16	and	and	CCONJ
fsr-3723	32	17	varies	vary	VERB
fsr-3723	32	18	among	among	ADP
fsr-3723	32	19	“	"	PUNCT
fsr-3723	32	20	demand	demand	NOUN
fsr-3723	32	21	deposit	deposit	NOUN
fsr-3723	32	22	,	,	PUNCT
fsr-3723	32	23	”	"	PUNCT
fsr-3723	32	24	“	"	PUNCT
fsr-3723	32	25	other	other	ADJ
fsr-3723	32	26	checkable	checkable	ADJ
fsr-3723	32	27	deposit	deposit	NOUN
fsr-3723	32	28	,	,	PUNCT
fsr-3723	32	29	”	"	PUNCT
fsr-3723	32	30	and	and	CCONJ
fsr-3723	32	31	“	"	PUNCT
fsr-3723	32	32	travelers	traveler	NOUN
fsr-3723	32	33	checks	check	VERB
fsr-3723	32	34	”	"	PUNCT
fsr-3723	32	35	components	component	NOUN
fsr-3723	32	36	.	.	PUNCT
fsr-3723	33	1	the	the	DET
fsr-3723	33	2	structure	structure	NOUN
fsr-3723	33	3	of	of	ADP
fsr-3723	33	4	the	the	DET
fsr-3723	33	5	money	money	NOUN
fsr-3723	33	6	order	order	NOUN
fsr-3723	33	7	industry	industry	NOUN
fsr-3723	33	8	is	be	AUX
fsr-3723	33	9	focused	focus	VERB
fsr-3723	33	10	on	on	ADP
fsr-3723	33	11	the	the	DET
fsr-3723	33	12	money	money	NOUN
fsr-3723	33	13	order	order	NOUN
fsr-3723	33	14	issuer	issuer	NOUN
fsr-3723	33	15	.	.	PUNCT
fsr-3723	33	16	’	'	PUNCT
fsr-3723	34	1	the	the	DET
fsr-3723	34	2	issuer	issuer	NOUN
fsr-3723	34	3	is	be	AUX
fsr-3723	34	4	the	the	DET
fsr-3723	34	5	one	one	NOUN
fsr-3723	34	6	that	that	PRON
fsr-3723	34	7	is	be	AUX
fsr-3723	34	8	ultimately	ultimately	ADV
fsr-3723	34	9	responsible	responsible	ADJ
fsr-3723	34	10	for	for	ADP
fsr-3723	34	11	the	the	DET
fsr-3723	34	12	financial	financial	ADJ
fsr-3723	34	13	obligation	obligation	NOUN
fsr-3723	34	14	created	create	VERB
fsr-3723	34	15	by	by	ADP
fsr-3723	34	16	the	the	DET
fsr-3723	34	17	sale	sale	NOUN
fsr-3723	34	18	of	of	ADP
fsr-3723	34	19	the	the	DET
fsr-3723	34	20	money	money	NOUN
fsr-3723	34	21	order	order	NOUN
fsr-3723	34	22	.	.	PUNCT
fsr-3723	35	1	the	the	DET
fsr-3723	35	2	money	money	NOUN
fsr-3723	35	3	order	order	NOUN
fsr-3723	35	4	industry	industry	NOUN
fsr-3723	35	5	has	have	VERB
fsr-3723	35	6	three	three	NUM
fsr-3723	35	7	major	major	ADJ
fsr-3723	35	8	types	type	NOUN
fsr-3723	35	9	of	of	ADP
fsr-3723	35	10	issuers	issuer	NOUN
fsr-3723	35	11	.	.	PUNCT
fsr-3723	36	1	the	the	DET
fsr-3723	36	2	three	three	NUM
fsr-3723	36	3	types	type	NOUN
fsr-3723	36	4	are	be	AUX
fsr-3723	36	5	as	as	SCONJ
fsr-3723	36	6	follows	follow	VERB
fsr-3723	36	7	:	:	PUNCT
fsr-3723	36	8	1	1	X
fsr-3723	36	9	.	.	X
fsr-3723	36	10	postal	postal	ADJ
fsr-3723	36	11	money	money	NOUN
fsr-3723	36	12	orders	order	NOUN
fsr-3723	36	13	2	2	NUM
fsr-3723	36	14	.	.	PUNCT
fsr-3723	36	15	depository	depository	NOUN
fsr-3723	36	16	~stitu	~stitu	PRON
fsr-3723	36	17	~	~	PUNCT
fsr-3723	36	18	on	on	ADP
fsr-3723	36	19	money	money	NOUN
fsr-3723	36	20	orders	order	NOUN
fsr-3723	36	21	3	3	NUM
fsr-3723	36	22	.	.	PUNCT
fsr-3723	36	23	commercial	commercial	ADJ
fsr-3723	36	24	money	money	NOUN
fsr-3723	36	25	orders	order	NOUN
fsr-3723	36	26	postal	postal	ADJ
fsr-3723	36	27	money	money	NOUN
fsr-3723	36	28	orders	order	NOUN
fsr-3723	36	29	are	be	AUX
fsr-3723	36	30	obligations	obligation	NOUN
fsr-3723	36	31	of	of	ADP
fsr-3723	36	32	a	a	DET
fsr-3723	36	33	federal	federal	ADJ
fsr-3723	36	34	government	government	NOUN
fsr-3723	36	35	agency	agency	NOUN
fsr-3723	36	36	and	and	CCONJ
fsr-3723	36	37	are	be	AUX
fsr-3723	36	38	an	an	DET
fsr-3723	36	39	implicit	implicit	ADJ
fsr-3723	36	40	obligation	obligation	NOUN
fsr-3723	36	41	of	of	ADP
fsr-3723	36	42	the	the	DET
fsr-3723	36	43	federal	federal	ADJ
fsr-3723	36	44	government	government	NOUN
fsr-3723	36	45	.	.	PUNCT
fsr-3723	37	1	money	money	NOUN
fsr-3723	37	2	orders	order	NOUN
fsr-3723	37	3	issued	issue	VERB
fsr-3723	37	4	by	by	ADP
fsr-3723	37	5	depository	depository	NOUN
fsr-3723	37	6	insti	insti	NOUN
fsr-3723	37	7	~	~	SYM
fsr-3723	37	8	tions	tion	NOUN
fsr-3723	37	9	(	(	PUNCT
fsr-3723	37	10	not	not	PART
fsr-3723	37	11	by	by	ADP
fsr-3723	37	12	a	a	DET
fsr-3723	37	13	subsidiary	subsidiary	NOUN
fsr-3723	37	14	of	of	ADP
fsr-3723	37	15	a	a	DET
fsr-3723	37	16	depository	depository	NOUN
fsr-3723	37	17	insti	insti	NOUN
fsr-3723	37	18	~	~	NOUN
fsr-3723	37	19	tion	tion	NOUN
fsr-3723	37	20	holding	hold	VERB
fsr-3723	37	21	company	company	NOUN
fsr-3723	37	22	)	)	PUNCT
fsr-3723	37	23	are	be	AUX
fsr-3723	37	24	insured	insure	VERB
fsr-3723	37	25	by	by	ADP
fsr-3723	37	26	the	the	DET
fsr-3723	37	27	federal	federal	ADJ
fsr-3723	37	28	deposit	deposit	NOUN
fsr-3723	37	29	insurance	insurance	NOUN
fsr-3723	37	30	corporation	corporation	NOUN
fsr-3723	37	31	because	because	SCONJ
fsr-3723	37	32	the	the	DET
fsr-3723	37	33	money	money	NOUN
fsr-3723	37	34	order	order	NOUN
fsr-3723	37	35	is	be	AUX
fsr-3723	37	36	a	a	DET
fsr-3723	37	37	direct	direct	ADJ
fsr-3723	37	38	obligation	obligation	NOUN
fsr-3723	37	39	of	of	ADP
fsr-3723	37	40	the	the	DET
fsr-3723	37	41	depository	depository	NOUN
fsr-3723	37	42	institution	institution	NOUN
fsr-3723	37	43	and	and	CCONJ
fsr-3723	37	44	considered	consider	VERB
fsr-3723	37	45	deposits	deposit	NOUN
fsr-3723	37	46	.	.	PUNCT
fsr-3723	38	1	commercial	commercial	ADJ
fsr-3723	38	2	issuers	issuer	NOUN
fsr-3723	38	3	of	of	ADP
fsr-3723	38	4	money	money	NOUN
fsr-3723	38	5	orders	order	NOUN
fsr-3723	38	6	are	be	AUX
fsr-3723	38	7	a	a	DET
fsr-3723	38	8	very	very	ADV
fsr-3723	38	9	diverse	diverse	ADJ
fsr-3723	38	10	group	group	NOUN
fsr-3723	38	11	.	.	PUNCT
fsr-3723	39	1	in	in	ADP
fsr-3723	39	2	addition	addition	NOUN
fsr-3723	39	3	to	to	ADP
fsr-3723	39	4	the	the	DET
fsr-3723	39	5	major	major	ADJ
fsr-3723	39	6	issuers	issuer	NOUN
fsr-3723	39	7	such	such	ADJ
fsr-3723	39	8	as	as	ADP
fsr-3723	39	9	american	american	PROPN
fsr-3723	39	10	express	express	NOUN
fsr-3723	39	11	which	which	PRON
fsr-3723	39	12	have	have	VERB
fsr-3723	39	13	a	a	DET
fsr-3723	39	14	large	large	ADJ
fsr-3723	39	15	national	national	ADJ
fsr-3723	39	16	presence	presence	NOUN
fsr-3723	39	17	,	,	PUNCT
fsr-3723	39	18	there	there	PRON
fsr-3723	39	19	are	be	VERB
fsr-3723	39	20	a	a	DET
fsr-3723	39	21	number	number	NOUN
fsr-3723	39	22	of	of	ADP
fsr-3723	39	23	very	very	ADV
fsr-3723	39	24	small	small	ADJ
fsr-3723	39	25	firms	firm	NOUN
fsr-3723	39	26	with	with	ADP
fsr-3723	39	27	only	only	ADV
fsr-3723	39	28	one	one	NUM
fsr-3723	39	29	or	or	CCONJ
fsr-3723	39	30	two	two	NUM
fsr-3723	39	31	offices	office	NOUN
fsr-3723	39	32	in	in	ADP
fsr-3723	39	33	one	one	NUM
fsr-3723	39	34	geographic	geographic	ADJ
fsr-3723	39	35	area	area	NOUN
fsr-3723	39	36	.	.	PUNCT
fsr-3723	40	1	most	most	ADJ
fsr-3723	40	2	state	state	NOUN
fsr-3723	40	3	regulations	regulation	NOUN
fsr-3723	40	4	require	require	VERB
fsr-3723	40	5	commercial	commercial	ADJ
fsr-3723	40	6	issuers	issuer	NOUN
fsr-3723	40	7	to	to	PART
fsr-3723	40	8	buy	buy	VERB
fsr-3723	40	9	a	a	DET
fsr-3723	40	10	surety	surety	NOUN
fsr-3723	40	11	bond	bond	NOUN
fsr-3723	40	12	to	to	PART
fsr-3723	40	13	provide	provide	VERB
fsr-3723	40	14	holders	holder	NOUN
fsr-3723	40	15	of	of	ADP
fsr-3723	40	16	their	their	PRON
fsr-3723	40	17	money	money	NOUN
fsr-3723	40	18	orders	order	NOUN
fsr-3723	40	19	with	with	ADP
fsr-3723	40	20	a	a	DET
fsr-3723	40	21	guarantee	guarantee	NOUN
fsr-3723	40	22	that	that	SCONJ
fsr-3723	40	23	the	the	DET
fsr-3723	40	24	instrument	instrument	NOUN
fsr-3723	40	25	will	will	AUX
fsr-3723	40	26	be	be	AUX
fsr-3723	40	27	covered	cover	VERB
fsr-3723	40	28	if	if	SCONJ
fsr-3723	40	29	the	the	DET
fsr-3723	40	30	firm	firm	NOUN
fsr-3723	40	31	fails	fail	VERB
fsr-3723	40	32	.	.	PUNCT
fsr-3723	41	1	however	however	ADV
fsr-3723	41	2	,	,	PUNCT
fsr-3723	41	3	the	the	DET
fsr-3723	41	4	value	value	NOUN
fsr-3723	41	5	of	of	ADP
fsr-3723	41	6	the	the	DET
fsr-3723	41	7	surety	surety	NOUN
fsr-3723	41	8	bond	bond	NOUN
fsr-3723	41	9	is	be	AUX
fsr-3723	41	10	a	a	DET
fsr-3723	41	11	small	small	ADJ
fsr-3723	41	12	fraction	fraction	NOUN
fsr-3723	41	13	of	of	ADP
fsr-3723	41	14	the	the	DET
fsr-3723	41	15	firm	firm	NOUN
fsr-3723	41	16	’s	’s	PART
fsr-3723	41	17	outstanding	outstanding	ADJ
fsr-3723	41	18	money	money	NOUN
fsr-3723	41	19	orders	order	NOUN
fsr-3723	41	20	on	on	ADP
fsr-3723	41	21	any	any	DET
fsr-3723	41	22	given	give	VERB
fsr-3723	41	23	day	day	NOUN
fsr-3723	41	24	.	.	PUNCT
fsr-3723	42	1	money	money	NOUN
fsr-3723	42	2	orders	order	NOUN
fsr-3723	42	3	are	be	AUX
fsr-3723	42	4	sold	sell	VERB
fsr-3723	42	5	through	through	ADP
fsr-3723	42	6	a	a	DET
fsr-3723	42	7	system	system	NOUN
fsr-3723	42	8	of	of	ADP
fsr-3723	42	9	agents	agent	NOUN
fsr-3723	42	10	.	.	PUNCT
fsr-3723	43	1	an	an	DET
fsr-3723	43	2	agent	agent	NOUN
fsr-3723	43	3	is	be	AUX
fsr-3723	43	4	a	a	DET
fsr-3723	43	5	party	party	NOUN
fsr-3723	43	6	that	that	PRON
fsr-3723	43	7	directly	directly	ADV
fsr-3723	43	8	contracts	contract	VERB
fsr-3723	43	9	with	with	ADP
fsr-3723	43	10	the	the	DET
fsr-3723	43	11	issuer	issuer	NOUN
fsr-3723	43	12	to	to	PART
fsr-3723	43	13	sell	sell	VERB
fsr-3723	43	14	money	money	NOUN
fsr-3723	43	15	orders	order	NOUN
fsr-3723	43	16	.	.	PUNCT
fsr-3723	44	1	for	for	ADP
fsr-3723	44	2	example	example	NOUN
fsr-3723	44	3	,	,	PUNCT
fsr-3723	44	4	american	american	PROPN
fsr-3723	44	5	express	express	PROPN
fsr-3723	44	6	(	(	PUNCT
fsr-3723	44	7	the	the	DET
fsr-3723	44	8	issuer	issuer	NOUN
fsr-3723	44	9	)	)	PUNCT
fsr-3723	44	10	may	may	AUX
fsr-3723	44	11	contract	contract	VERB
fsr-3723	44	12	with	with	ADP
fsr-3723	44	13	a	a	DET
fsr-3723	44	14	convenience	convenience	NOUN
fsr-3723	44	15	store	store	NOUN
fsr-3723	44	16	chain	chain	NOUN
fsr-3723	44	17	(	(	PUNCT
fsr-3723	44	18	the	the	DET
fsr-3723	44	19	agent	agent	NOUN
fsr-3723	44	20	)	)	PUNCT
fsr-3723	44	21	to	to	PART
fsr-3723	44	22	sell	sell	VERB
fsr-3723	44	23	money	money	NOUN
fsr-3723	44	24	orders	order	NOUN
fsr-3723	44	25	.	.	PUNCT
fsr-3723	45	1	the	the	DET
fsr-3723	45	2	terms	term	NOUN
fsr-3723	45	3	of	of	ADP
fsr-3723	45	4	the	the	DET
fsr-3723	45	5	contract	contract	NOUN
fsr-3723	45	6	depend	depend	VERB
fsr-3723	45	7	on	on	ADP
fsr-3723	45	8	the	the	DET
fsr-3723	45	9	desirability	desirability	NOUN
fsr-3723	45	10	of	of	ADP
fsr-3723	45	11	the	the	DET
fsr-3723	45	12	agent	agent	NOUN
fsr-3723	45	13	and	and	CCONJ
fsr-3723	45	14	the	the	DET
fsr-3723	45	15	degree	degree	NOUN
fsr-3723	45	16	of	of	ADP
fsr-3723	45	17	competition	competition	NOUN
fsr-3723	45	18	in	in	ADP
fsr-3723	45	19	the	the	DET
fsr-3723	45	20	market	market	NOUN
fsr-3723	45	21	.	.	PUNCT
fsr-3723	46	1	based	base	VERB
fsr-3723	46	2	on	on	ADP
fsr-3723	46	3	these	these	DET
fsr-3723	46	4	two	two	NUM
fsr-3723	46	5	factors	factor	NOUN
fsr-3723	46	6	,	,	PUNCT
fsr-3723	46	7	several	several	ADJ
fsr-3723	46	8	items	item	NOUN
fsr-3723	46	9	in	in	ADP
fsr-3723	46	10	the	the	DET
fsr-3723	46	11	contract	contract	NOUN
fsr-3723	46	12	are	be	AUX
fsr-3723	46	13	negotiable	negotiable	ADJ
fsr-3723	46	14	.	.	PUNCT
fsr-3723	47	1	three	three	NUM
fsr-3723	47	2	of	of	ADP
fsr-3723	47	3	these	these	DET
fsr-3723	47	4	items	item	NOUN
fsr-3723	47	5	are	be	AUX
fsr-3723	47	6	as	as	SCONJ
fsr-3723	47	7	follows	follow	VERB
fsr-3723	47	8	:	:	PUNCT
fsr-3723	48	1	1	1	X
fsr-3723	48	2	.	.	PUNCT
fsr-3723	48	3	the	the	DET
fsr-3723	48	4	remittance	remittance	NOUN
fsr-3723	48	5	time	time	NOUN
fsr-3723	48	6	2	2	NUM
fsr-3723	48	7	.	.	PUNCT
fsr-3723	49	1	the	the	DET
fsr-3723	49	2	rate	rate	NOUN
fsr-3723	49	3	scale	scale	NOUN
fsr-3723	49	4	3	3	NUM
fsr-3723	49	5	.	.	PUNCT
fsr-3723	50	1	the	the	DET
fsr-3723	50	2	division	division	NOUN
fsr-3723	50	3	of	of	ADP
fsr-3723	50	4	revenue	revenue	NOUN
fsr-3723	50	5	fees	fee	NOUN
fsr-3723	50	6	the	the	DET
fsr-3723	50	7	re	re	NOUN
fsr-3723	50	8	~	~	PROPN
fsr-3723	50	9	tt	tt	PROPN
fsr-3723	50	10	~	~	PROPN
fsr-3723	50	11	ce	ce	PROPN
fsr-3723	50	12	time	time	NOUN
fsr-3723	50	13	is	be	AUX
fsr-3723	50	14	the	the	DET
fsr-3723	50	15	number	number	NOUN
fsr-3723	50	16	of	of	ADP
fsr-3723	50	17	days	day	NOUN
fsr-3723	50	18	that	that	PRON
fsr-3723	50	19	may	may	AUX
fsr-3723	50	20	pass	pass	VERB
fsr-3723	50	21	before	before	SCONJ
fsr-3723	50	22	the	the	DET
fsr-3723	50	23	agent	agent	NOUN
fsr-3723	50	24	must	must	AUX
fsr-3723	50	25	send	send	VERB
fsr-3723	50	26	the	the	DET
fsr-3723	50	27	funds	fund	NOUN
fsr-3723	50	28	from	from	ADP
fsr-3723	50	29	money	money	NOUN
fsr-3723	50	30	order	order	NOUN
fsr-3723	50	31	sales	sale	NOUN
fsr-3723	50	32	to	to	ADP
fsr-3723	50	33	the	the	DET
fsr-3723	50	34	issuer	issuer	NOUN
fsr-3723	50	35	.	.	PUNCT
fsr-3723	51	1	the	the	PRON
fsr-3723	51	2	longer	long	ADV
fsr-3723	51	3	the	the	DET
fsr-3723	51	4	remittance	remittance	NOUN
fsr-3723	51	5	time	time	NOUN
fsr-3723	51	6	the	the	PRON
fsr-3723	51	7	longer	long	ADV
fsr-3723	51	8	the	the	DET
fsr-3723	51	9	agent	agent	NOUN
fsr-3723	51	10	has	have	VERB
fsr-3723	51	11	to	to	PART
fsr-3723	51	12	use	use	VERB
fsr-3723	51	13	the	the	DET
fsr-3723	51	14	float	float	NOUN
fsr-3723	51	15	from	from	ADP
fsr-3723	51	16	money	money	NOUN
fsr-3723	51	17	order	order	NOUN
fsr-3723	51	18	sales	sale	NOUN
fsr-3723	51	19	.	.	PUNCT
fsr-3723	52	1	the	the	DET
fsr-3723	52	2	rate	rate	NOUN
fsr-3723	52	3	scale	scale	NOUN
fsr-3723	52	4	is	be	AUX
fsr-3723	52	5	generally	generally	ADV
fsr-3723	52	6	uniform	uniform	ADJ
fsr-3723	52	7	for	for	ADP
fsr-3723	52	8	all	all	DET
fsr-3723	52	9	agents	agent	NOUN
fsr-3723	52	10	.	.	PUNCT
fsr-3723	53	1	however	however	ADV
fsr-3723	53	2	,	,	PUNCT
fsr-3723	53	3	if	if	SCONJ
fsr-3723	53	4	an	an	DET
fsr-3723	53	5	agent	agent	NOUN
fsr-3723	53	6	feels	feel	VERB
fsr-3723	53	7	the	the	DET
fsr-3723	53	8	rates	rate	NOUN
fsr-3723	53	9	are	be	AUX
fsr-3723	53	10	too	too	ADV
fsr-3723	53	11	high	high	ADJ
fsr-3723	53	12	,	,	PUNCT
fsr-3723	53	13	the	the	DET
fsr-3723	53	14	issuer	issuer	NOUN
fsr-3723	53	15	and	and	CCONJ
fsr-3723	53	16	the	the	DET
fsr-3723	53	17	agent	agent	NOUN
fsr-3723	53	18	can	can	AUX
fsr-3723	53	19	negotiate	negotiate	VERB
fsr-3723	53	20	a	a	DET
fsr-3723	53	21	special	special	ADJ
fsr-3723	53	22	rate	rate	NOUN
fsr-3723	53	23	structure	structure	NOUN
fsr-3723	53	24	.	.	PUNCT
fsr-3723	54	1	the	the	DET
fsr-3723	54	2	third	third	ADJ
fsr-3723	54	3	factor	factor	NOUN
fsr-3723	54	4	that	that	PRON
fsr-3723	54	5	can	can	AUX
fsr-3723	54	6	be	be	AUX
fsr-3723	54	7	negotiated	negotiate	VERB
fsr-3723	54	8	between	between	ADP
fsr-3723	54	9	the	the	DET
fsr-3723	54	10	issuer	issuer	NOUN
fsr-3723	54	11	and	and	CCONJ
fsr-3723	54	12	the	the	DET
fsr-3723	54	13	agent	agent	NOUN
fsr-3723	54	14	is	be	AUX
fsr-3723	54	15	the	the	DET
fsr-3723	54	16	division	division	NOUN
fsr-3723	54	17	of	of	ADP
fsr-3723	54	18	revenue	revenue	NOUN
fsr-3723	54	19	fees	fee	NOUN
fsr-3723	54	20	.	.	PUNCT
fsr-3723	55	1	the	the	DET
fsr-3723	55	2	more	more	ADV
fsr-3723	55	3	desirable	desirable	ADJ
fsr-3723	55	4	the	the	DET
fsr-3723	55	5	agent	agent	NOUN
fsr-3723	55	6	and	and	CCONJ
fsr-3723	55	7	the	the	DET
fsr-3723	55	8	better	well	ADJ
fsr-3723	55	9	the	the	DET
fsr-3723	55	10	market	market	NOUN
fsr-3723	55	11	,	,	PUNCT
fsr-3723	55	12	the	the	PRON
fsr-3723	55	13	larger	large	ADJ
fsr-3723	55	14	the	the	DET
fsr-3723	55	15	share	share	NOUN
fsr-3723	55	16	of	of	ADP
fsr-3723	55	17	the	the	DET
fsr-3723	55	18	proceeds	proceed	NOUN
fsr-3723	55	19	the	the	DET
fsr-3723	55	20	issuer	issuer	NOUN
fsr-3723	55	21	is	be	AUX
fsr-3723	55	22	willing	willing	ADJ
fsr-3723	55	23	to	to	PART
fsr-3723	55	24	give	give	VERB
fsr-3723	55	25	to	to	ADP
fsr-3723	55	26	the	the	DET
fsr-3723	55	27	agent	agent	NOUN
fsr-3723	55	28	.	.	PUNCT
fsr-3723	56	1	the	the	DET
fsr-3723	56	2	primary	primary	ADJ
fsr-3723	56	3	regulators	regulator	NOUN
fsr-3723	56	4	of	of	ADP
fsr-3723	56	5	money	money	NOUN
fsr-3723	56	6	order	order	NOUN
fsr-3723	56	7	sales	sale	NOUN
fsr-3723	56	8	are	be	AUX
fsr-3723	56	9	the	the	DET
fsr-3723	56	10	individual	individual	ADJ
fsr-3723	56	11	states	state	NOUN
fsr-3723	56	12	.	.	PUNCT
fsr-3723	57	1	most	most	ADJ
fsr-3723	57	2	of	of	ADP
fsr-3723	57	3	the	the	DET
fsr-3723	57	4	regulation	regulation	NOUN
fsr-3723	57	5	is	be	AUX
fsr-3723	57	6	focused	focus	VERB
fsr-3723	57	7	on	on	ADP
fsr-3723	57	8	commercial	commercial	ADJ
fsr-3723	57	9	issuers	issuer	NOUN
fsr-3723	57	10	and	and	CCONJ
fsr-3723	57	11	agents	agent	NOUN
fsr-3723	57	12	.	.	PUNCT
fsr-3723	58	1	there	there	PRON
fsr-3723	58	2	are	be	VERB
fsr-3723	58	3	three	three	NUM
fsr-3723	58	4	main	main	ADJ
fsr-3723	58	5	types	type	NOUN
fsr-3723	58	6	state	state	NOUN
fsr-3723	58	7	regulations	regulation	NOUN
fsr-3723	58	8	.	.	PUNCT
fsr-3723	59	1	these	these	PRON
fsr-3723	59	2	are	be	AUX
fsr-3723	59	3	as	as	SCONJ
fsr-3723	59	4	follows	follow	VERB
fsr-3723	59	5	:	:	PUNCT
fsr-3723	59	6	1	1	X
fsr-3723	59	7	.	.	X
fsr-3723	59	8	licensing	licensing	NOUN
fsr-3723	59	9	requirements	requirement	NOUN
fsr-3723	59	10	2	2	NUM
fsr-3723	59	11	.	.	PUNCT
fsr-3723	59	12	net	net	ADJ
fsr-3723	59	13	worth	worth	ADJ
fsr-3723	59	14	requirements	requirement	NOUN
fsr-3723	59	15	3	3	NUM
fsr-3723	59	16	.	.	X
fsr-3723	59	17	posting	post	VERB
fsr-3723	59	18	of	of	ADP
fsr-3723	59	19	surety	surety	NOUN
fsr-3723	59	20	bond	bond	NOUN
fsr-3723	59	21	or	or	CCONJ
fsr-3723	59	22	securities	security	NOUN
fsr-3723	59	23	in	in	ADP
fsr-3723	59	24	general	general	ADJ
fsr-3723	59	25	,	,	PUNCT
fsr-3723	59	26	any	any	DET
fsr-3723	59	27	person	person	NOUN
fsr-3723	59	28	may	may	AUX
fsr-3723	59	29	obtain	obtain	VERB
fsr-3723	59	30	a	a	DET
fsr-3723	59	31	license	license	NOUN
fsr-3723	59	32	to	to	PART
fsr-3723	59	33	engage	engage	VERB
fsr-3723	59	34	in	in	ADP
fsr-3723	59	35	the	the	DET
fsr-3723	59	36	money	money	NOUN
fsr-3723	59	37	order	order	NOUN
fsr-3723	59	38	business	business	NOUN
fsr-3723	59	39	provided	provide	VERB
fsr-3723	59	40	that	that	SCONJ
fsr-3723	59	41	certain	certain	ADJ
fsr-3723	59	42	legislative	legislative	ADJ
fsr-3723	59	43	requirements	requirement	NOUN
fsr-3723	59	44	are	be	AUX
fsr-3723	59	45	met	meet	VERB
fsr-3723	59	46	.	.	PUNCT
fsr-3723	60	1	in	in	ADP
fsr-3723	60	2	most	most	ADJ
fsr-3723	60	3	states	state	NOUN
fsr-3723	60	4	,	,	PUNCT
fsr-3723	60	5	the	the	DET
fsr-3723	60	6	main	main	ADJ
fsr-3723	60	7	requirement	requirement	NOUN
fsr-3723	60	8	is	be	AUX
fsr-3723	60	9	for	for	ADP
fsr-3723	60	10	the	the	DET
fsr-3723	60	11	department	department	NOUN
fsr-3723	60	12	charged	charge	VERB
fsr-3723	60	13	with	with	ADP
fsr-3723	60	14	administering	administer	VERB
fsr-3723	60	15	the	the	DET
fsr-3723	60	16	law	law	NOUN
fsr-3723	60	17	to	to	PART
fsr-3723	60	18	investigate	investigate	VERB
fsr-3723	60	19	the	the	DET
fsr-3723	60	20	financial	financial	ADJ
fsr-3723	60	21	condition	condition	NOUN
fsr-3723	60	22	and	and	CCONJ
fsr-3723	60	23	responsibility	responsibility	NOUN
fsr-3723	60	24	of	of	ADP
fsr-3723	60	25	the	the	DET
fsr-3723	60	26	applicant	applicant	NOUN
fsr-3723	60	27	.	.	PUNCT
fsr-3723	61	1	most	most	ADJ
fsr-3723	61	2	states	state	NOUN
fsr-3723	61	3	78	78	NUM
fsr-3723	61	4	financialservicesreview,3(1	financialservicesreview,3(1	NOUN
fsr-3723	61	5	)	)	PUNCT
fsr-3723	61	6	1993	1993	NUM
fsr-3723	61	7	require	require	VERB
fsr-3723	61	8	that	that	SCONJ
fsr-3723	61	9	an	an	DET
fsr-3723	61	10	issuer	issuer	NOUN
fsr-3723	61	11	of	of	ADP
fsr-3723	61	12	money	money	NOUN
fsr-3723	61	13	orders	order	NOUN
fsr-3723	61	14	must	must	AUX
fsr-3723	61	15	rn	rn	VERB
fsr-3723	61	16	~	~	PROPN
fsr-3723	61	17	nt	nt	PROPN
fsr-3723	61	18	~	~	NOUN
fsr-3723	61	19	n	n	DET
fsr-3723	61	20	a	a	DET
fsr-3723	61	21	~imum	~imum	X
fsr-3723	61	22	net	net	ADJ
fsr-3723	61	23	worth	worth	NOUN
fsr-3723	61	24	.	.	PUNCT
fsr-3723	62	1	the	the	DET
fsr-3723	62	2	net	net	ADJ
fsr-3723	62	3	worth	worth	ADJ
fsr-3723	62	4	requirement	requirement	NOUN
fsr-3723	62	5	ranges	range	VERB
fsr-3723	62	6	from	from	ADP
fsr-3723	62	7	a	a	DET
fsr-3723	62	8	low	low	NOUN
fsr-3723	62	9	of	of	ADP
fsr-3723	62	10	$	$	SYM
fsr-3723	62	11	5,000	5,000	NUM
fsr-3723	62	12	to	to	ADP
fsr-3723	62	13	a	a	DET
fsr-3723	62	14	high	high	NOUN
fsr-3723	62	15	of	of	ADP
fsr-3723	62	16	one	one	NUM
fsr-3723	62	17	million	million	NUM
fsr-3723	62	18	dollars	dollar	NOUN
fsr-3723	62	19	.	.	PUNCT
fsr-3723	63	1	a	a	DET
fsr-3723	63	2	number	number	NOUN
fsr-3723	63	3	of	of	ADP
fsr-3723	63	4	states	state	NOUN
fsr-3723	63	5	require	require	VERB
fsr-3723	63	6	a	a	DET
fsr-3723	63	7	licensee	licensee	NOUN
fsr-3723	63	8	of	of	ADP
fsr-3723	63	9	money	money	NOUN
fsr-3723	63	10	orders	order	NOUN
fsr-3723	63	11	to	to	PART
fsr-3723	63	12	post	post	VERB
fsr-3723	63	13	some	some	DET
fsr-3723	63	14	kind	kind	NOUN
fsr-3723	63	15	of	of	ADP
fsr-3723	63	16	security	security	NOUN
fsr-3723	63	17	as	as	ADP
fsr-3723	63	18	evidence	evidence	NOUN
fsr-3723	63	19	of	of	ADP
fsr-3723	63	20	good	good	ADJ
fsr-3723	63	21	faith	faith	NOUN
fsr-3723	63	22	and	and	CCONJ
fsr-3723	63	23	to	to	PART
fsr-3723	63	24	protect	protect	VERB
fsr-3723	63	25	the	the	DET
fsr-3723	63	26	public	public	NOUN
fsr-3723	63	27	if	if	SCONJ
fsr-3723	63	28	the	the	DET
fsr-3723	63	29	licensee	licensee	NOUN
fsr-3723	63	30	defaults	default	NOUN
fsr-3723	63	31	.	.	PUNCT
fsr-3723	64	1	the	the	DET
fsr-3723	64	2	failure	failure	NOUN
fsr-3723	64	3	of	of	ADP
fsr-3723	64	4	universal	universal	ADJ
fsr-3723	64	5	money	money	NOUN
fsr-3723	64	6	order	order	NOUN
fsr-3723	64	7	and	and	CCONJ
fsr-3723	64	8	united	united	PROPN
fsr-3723	64	9	states	states	PROPN
fsr-3723	64	10	navigation	navigation	NOUN
fsr-3723	64	11	,	,	PUNCT
fsr-3723	64	12	both	both	DET
fsr-3723	64	13	subsidiaries	subsidiary	NOUN
fsr-3723	64	14	of	of	ADP
fsr-3723	64	15	intemation~	intemation~	PROPN
fsr-3723	64	16	express	express	NOUN
fsr-3723	64	17	,	,	PUNCT
fsr-3723	64	18	in	in	ADP
fsr-3723	64	19	1977	1977	NUM
fsr-3723	64	20	was	be	AUX
fsr-3723	64	21	estimated	estimate	VERB
fsr-3723	64	22	to	to	PART
fsr-3723	64	23	have	have	AUX
fsr-3723	64	24	left	leave	VERB
fsr-3723	64	25	approxim	approxim	NOUN
fsr-3723	64	26	~	~	PUNCT
fsr-3723	64	27	ely	ely	ADJ
fsr-3723	64	28	4~,~	4~,~	NUM
fsr-3723	64	29	individuals	individual	NOUN
fsr-3723	64	30	with	with	ADP
fsr-3723	64	31	about	about	ADP
fsr-3723	64	32	$	$	SYM
fsr-3723	64	33	20	20	NUM
fsr-3723	64	34	million	million	NUM
fsr-3723	64	35	worth	worth	NOUN
fsr-3723	64	36	of	of	ADP
fsr-3723	64	37	dishonored	dishonor	VERB
fsr-3723	64	38	money	money	NOUN
fsr-3723	64	39	orders	order	NOUN
fsr-3723	64	40	.	.	PUNCT
fsr-3723	65	1	the	the	DET
fsr-3723	65	2	surety	surety	NOUN
fsr-3723	65	3	bond	bond	NOUN
fsr-3723	65	4	provisions	provision	NOUN
fsr-3723	65	5	proved	prove	VERB
fsr-3723	65	6	to	to	PART
fsr-3723	65	7	be	be	AUX
fsr-3723	65	8	much	much	ADV
fsr-3723	65	9	too	too	ADV
fsr-3723	65	10	small	small	ADJ
fsr-3723	65	11	in	in	ADP
fsr-3723	65	12	most	most	ADJ
fsr-3723	65	13	states	state	NOUN
fsr-3723	65	14	.	.	PUNCT
fsr-3723	66	1	state	state	NOUN
fsr-3723	66	2	regulation	regulation	NOUN
fsr-3723	66	3	of	of	ADP
fsr-3723	66	4	the	the	DET
fsr-3723	66	5	money	money	NOUN
fsr-3723	66	6	order	order	NOUN
fsr-3723	66	7	industry	industry	NOUN
fsr-3723	66	8	has	have	AUX
fsr-3723	66	9	resulted	result	VERB
fsr-3723	66	10	in	in	ADP
fsr-3723	66	11	little	little	ADJ
fsr-3723	66	12	uniformity	uniformity	NOUN
fsr-3723	66	13	in	in	ADP
fsr-3723	66	14	requirements	requirement	NOUN
fsr-3723	66	15	or	or	CCONJ
fsr-3723	66	16	regulation	regulation	NOUN
fsr-3723	66	17	of	of	ADP
fsr-3723	66	18	money	money	NOUN
fsr-3723	66	19	order	order	NOUN
fsr-3723	66	20	firms	firm	NOUN
fsr-3723	66	21	.	.	PUNCT
fsr-3723	67	1	thus	thus	ADV
fsr-3723	67	2	,	,	PUNCT
fsr-3723	67	3	very	very	ADV
fsr-3723	67	4	little	little	ADJ
fsr-3723	67	5	attention	attention	NOUN
fsr-3723	67	6	has	have	AUX
fsr-3723	67	7	been	be	AUX
fsr-3723	67	8	given	give	VERB
fsr-3723	67	9	to	to	ADP
fsr-3723	67	10	the	the	DET
fsr-3723	67	11	public	public	ADJ
fsr-3723	67	12	policy	policy	NOUN
fsr-3723	67	13	implications	implication	NOUN
fsr-3723	67	14	of	of	ADP
fsr-3723	67	15	the	the	DET
fsr-3723	67	16	payments	payment	NOUN
fsr-3723	67	17	system	system	NOUN
fsr-3723	67	18	used	use	VERB
fsr-3723	67	19	mostly	mostly	ADV
fsr-3723	67	20	by	by	ADP
fsr-3723	67	21	the	the	DET
fsr-3723	67	22	poor	poor	ADJ
fsr-3723	67	23	.	.	PUNCT
fsr-3723	68	1	iii	iii	PROPN
fsr-3723	68	2	.	.	PUNCT
fsr-3723	68	3	t	t	PROPN
fsr-3723	68	4	~	~	NOUN
fsr-3723	68	5	usersof	usersof	NOUN
fsr-3723	68	6	money	money	NOUN
fsr-3723	68	7	orders	order	VERB
fsr-3723	68	8	one	one	NUM
fsr-3723	68	9	previous	previous	ADJ
fsr-3723	68	10	research	research	NOUN
fsr-3723	68	11	study	study	NOUN
fsr-3723	68	12	that	that	PRON
fsr-3723	68	13	addresses	address	VERB
fsr-3723	68	14	the	the	DET
fsr-3723	68	15	question	question	NOUN
fsr-3723	68	16	of	of	ADP
fsr-3723	68	17	who	who	PRON
fsr-3723	68	18	uses	use	VERB
fsr-3723	68	19	money	money	NOUN
fsr-3723	68	20	orders	order	NOUN
fsr-3723	68	21	was	be	AUX
fsr-3723	68	22	conducted	conduct	VERB
fsr-3723	68	23	by	by	ADP
fsr-3723	68	24	pierce	pierce	PROPN
fsr-3723	68	25	(	(	PUNCT
fsr-3723	68	26	1977	1977	NUM
fsr-3723	68	27	)	)	PUNCT
fsr-3723	68	28	.	.	PUNCT
fsr-3723	69	1	the	the	DET
fsr-3723	69	2	data	datum	NOUN
fsr-3723	69	3	used	use	VERB
fsr-3723	69	4	for	for	ADP
fsr-3723	69	5	that	that	DET
fsr-3723	69	6	study	study	NOUN
fsr-3723	69	7	were	be	AUX
fsr-3723	69	8	the	the	DET
fsr-3723	69	9	claim	claim	NOUN
fsr-3723	69	10	forms	form	NOUN
fsr-3723	69	11	submitted	submit	VERB
fsr-3723	69	12	to	to	ADP
fsr-3723	69	13	the	the	DET
fsr-3723	69	14	california	california	PROPN
fsr-3723	69	15	banking	banking	PROPN
fsr-3723	69	16	department	department	PROPN
fsr-3723	69	17	by	by	ADP
fsr-3723	69	18	the	the	DET
fsr-3723	69	19	holders	holder	NOUN
fsr-3723	69	20	of	of	ADP
fsr-3723	69	21	dishonored	dishonored	ADJ
fsr-3723	69	22	money	money	NOUN
fsr-3723	69	23	orders	order	NOUN
fsr-3723	69	24	from	from	ADP
fsr-3723	69	25	the	the	DET
fsr-3723	69	26	failed	fail	VERB
fsr-3723	69	27	universal	universal	ADJ
fsr-3723	69	28	money	money	NOUN
fsr-3723	69	29	order	order	NOUN
fsr-3723	69	30	company	company	NOUN
fsr-3723	69	31	.	.	PUNCT
fsr-3723	70	1	each	each	PRON
fsr-3723	70	2	of	of	ADP
fsr-3723	70	3	the	the	DET
fsr-3723	70	4	claim	claim	NOUN
fsr-3723	70	5	forms	form	NOUN
fsr-3723	70	6	contained	contain	VERB
fsr-3723	70	7	the	the	DET
fsr-3723	70	8	person	person	NOUN
fsr-3723	70	9	’s	’s	PART
fsr-3723	70	10	name	name	NOUN
fsr-3723	70	11	,	,	PUNCT
fsr-3723	70	12	address	address	NOUN
fsr-3723	70	13	,	,	PUNCT
fsr-3723	70	14	number	number	NOUN
fsr-3723	70	15	of	of	ADP
fsr-3723	70	16	defaulted	defaulted	ADJ
fsr-3723	70	17	money	money	NOUN
fsr-3723	70	18	orders	order	NOUN
fsr-3723	70	19	held	hold	VERB
fsr-3723	70	20	,	,	PUNCT
fsr-3723	70	21	and	and	CCONJ
fsr-3723	70	22	the	the	DET
fsr-3723	70	23	amount	amount	NOUN
fsr-3723	70	24	of	of	ADP
fsr-3723	70	25	the	the	DET
fsr-3723	70	26	claim	claim	NOUN
fsr-3723	70	27	.	.	PUNCT
fsr-3723	71	1	pierce	pierce	PROPN
fsr-3723	71	2	found	find	VERB
fsr-3723	71	3	that	that	SCONJ
fsr-3723	71	4	,	,	PUNCT
fsr-3723	71	5	relative	relative	ADJ
fsr-3723	71	6	to	to	ADP
fsr-3723	71	7	the	the	DET
fsr-3723	71	8	general	general	ADJ
fsr-3723	71	9	population	population	NOUN
fsr-3723	71	10	,	,	PUNCT
fsr-3723	71	11	money	money	NOUN
fsr-3723	71	12	order	order	NOUN
fsr-3723	71	13	users	user	NOUN
fsr-3723	71	14	have	have	VERB
fsr-3723	71	15	lower	low	ADJ
fsr-3723	71	16	incomes	income	NOUN
fsr-3723	71	17	,	,	PUNCT
fsr-3723	71	18	have	have	VERB
fsr-3723	71	19	less	less	ADV
fsr-3723	71	20	formal	formal	ADJ
fsr-3723	71	21	education	education	NOUN
fsr-3723	71	22	,	,	PUNCT
fsr-3723	71	23	are	be	AUX
fsr-3723	71	24	older	old	ADJ
fsr-3723	71	25	,	,	PUNCT
fsr-3723	71	26	and	and	CCONJ
fsr-3723	71	27	are	be	AUX
fsr-3723	71	28	more	more	ADV
fsr-3723	71	29	likely	likely	ADJ
fsr-3723	71	30	to	to	PART
fsr-3723	71	31	be	be	AUX
fsr-3723	71	32	in	in	ADP
fsr-3723	71	33	a	a	DET
fsr-3723	71	34	minority	minority	NOUN
fsr-3723	71	35	group	group	NOUN
fsr-3723	71	36	.	.	PUNCT
fsr-3723	72	1	the	the	DET
fsr-3723	72	2	author	author	NOUN
fsr-3723	72	3	concluded	conclude	VERB
fsr-3723	72	4	that	that	SCONJ
fsr-3723	72	5	the	the	DET
fsr-3723	72	6	sample	sample	NOUN
fsr-3723	72	7	group	group	NOUN
fsr-3723	72	8	preferred	prefer	VERB
fsr-3723	72	9	money	money	NOUN
fsr-3723	72	10	orders	order	NOUN
fsr-3723	72	11	to	to	PART
fsr-3723	72	12	checking	check	VERB
fsr-3723	72	13	accounts	account	NOUN
fsr-3723	72	14	and	and	CCONJ
fsr-3723	72	15	used	use	VERB
fsr-3723	72	16	money	money	NOUN
fsr-3723	72	17	orders	order	NOUN
fsr-3723	72	18	as	as	ADP
fsr-3723	72	19	substitutes	substitute	NOUN
fsr-3723	72	20	for	for	ADP
fsr-3723	72	21	checks	check	NOUN
fsr-3723	72	22	for	for	ADP
fsr-3723	72	23	two	two	NUM
fsr-3723	72	24	main	main	ADJ
fsr-3723	72	25	reasons	reason	NOUN
fsr-3723	72	26	.	.	PUNCT
fsr-3723	73	1	first	first	ADV
fsr-3723	73	2	,	,	PUNCT
fsr-3723	73	3	most	most	ADJ
fsr-3723	73	4	of	of	ADP
fsr-3723	73	5	the	the	DET
fsr-3723	73	6	sample	sample	NOUN
fsr-3723	73	7	group	group	NOUN
fsr-3723	73	8	did	do	AUX
fsr-3723	73	9	not	not	PART
fsr-3723	73	10	fee1	fee1	VERB
fsr-3723	73	11	they	they	PRON
fsr-3723	73	12	made	make	VERB
fsr-3723	73	13	enough	enough	ADJ
fsr-3723	73	14	income	income	NOUN
fsr-3723	73	15	to	to	PART
fsr-3723	73	16	justify	justify	VERB
fsr-3723	73	17	a	a	DET
fsr-3723	73	18	checking	checking	NOUN
fsr-3723	73	19	account	account	NOUN
fsr-3723	73	20	.	.	PUNCT
fsr-3723	74	1	secondly	secondly	ADV
fsr-3723	74	2	,	,	PUNCT
fsr-3723	74	3	a	a	DET
fsr-3723	74	4	number	number	NOUN
fsr-3723	74	5	of	of	ADP
fsr-3723	74	6	those	those	PRON
fsr-3723	74	7	interviewed	interview	VERB
fsr-3723	74	8	felt	feel	VERB
fsr-3723	74	9	that	that	SCONJ
fsr-3723	74	10	filling	fill	VERB
fsr-3723	74	11	out	out	ADP
fsr-3723	74	12	the	the	DET
fsr-3723	74	13	check	check	NOUN
fsr-3723	74	14	stubs	stub	NOUN
fsr-3723	74	15	and	and	CCONJ
fsr-3723	74	16	worrying	worry	VERB
fsr-3723	74	17	about	about	ADP
fsr-3723	74	18	insufficient	insufficient	ADJ
fsr-3723	74	19	funds	fund	NOUN
fsr-3723	74	20	was	be	AUX
fsr-3723	74	21	“	"	PUNCT
fsr-3723	74	22	too	too	ADV
fsr-3723	74	23	much	much	ADJ
fsr-3723	74	24	of	of	ADP
fsr-3723	74	25	a	a	DET
fsr-3723	74	26	hassle	hassle	NOUN
fsr-3723	74	27	”	"	PUNCT
fsr-3723	74	28	.	.	PUNCT
fsr-3723	75	1	however	however	ADV
fsr-3723	75	2	,	,	PUNCT
fsr-3723	75	3	pierce	pierce	PROPN
fsr-3723	75	4	’s	’s	PART
fsr-3723	75	5	study	study	NOUN
fsr-3723	75	6	was	be	AUX
fsr-3723	75	7	not	not	PART
fsr-3723	75	8	based	base	VERB
fsr-3723	75	9	upon	upon	SCONJ
fsr-3723	75	10	scientific	scientific	ADJ
fsr-3723	75	11	sampling	sampling	NOUN
fsr-3723	75	12	procedures	procedure	NOUN
fsr-3723	75	13	and	and	CCONJ
fsr-3723	75	14	did	do	AUX
fsr-3723	75	15	not	not	PART
fsr-3723	75	16	apply	apply	VERB
fsr-3723	75	17	multivariate	multivariate	NOUN
fsr-3723	75	18	techniques	technique	NOUN
fsr-3723	75	19	to	to	ADP
fsr-3723	75	20	the	the	DET
fsr-3723	75	21	analysis	analysis	NOUN
fsr-3723	75	22	of	of	ADP
fsr-3723	75	23	the	the	DET
fsr-3723	75	24	data	datum	NOUN
fsr-3723	75	25	.	.	PUNCT
fsr-3723	76	1	iv	iv	X
fsr-3723	76	2	.	.	PROPN
fsr-3723	76	3	datasowrceandempiricalf	datasowrceandempiricalf	PROPN
fsr-3723	76	4	~	~	PUNCT
fsr-3723	76	5	esults	esult	NOUN
fsr-3723	76	6	in	in	ADP
fsr-3723	76	7	1984	1984	NUM
fsr-3723	76	8	and	and	CCONJ
fsr-3723	76	9	1986	1986	NUM
fsr-3723	76	10	,	,	PUNCT
fsr-3723	76	11	the	the	DET
fsr-3723	76	12	board	board	NOUN
fsr-3723	76	13	of	of	ADP
fsr-3723	76	14	governors	governor	NOUN
fsr-3723	76	15	of	of	ADP
fsr-3723	76	16	the	the	DET
fsr-3723	76	17	federal	federal	PROPN
fsr-3723	76	18	reserve	reserve	PROPN
fsr-3723	76	19	systemcontracted	systemcontracte	VERB
fsr-3723	76	20	with	with	ADP
fsr-3723	76	21	the	the	DET
fsr-3723	76	22	survey	survey	NOUN
fsr-3723	76	23	research	research	NOUN
fsr-3723	76	24	center	center	NOUN
fsr-3723	76	25	of	of	ADP
fsr-3723	76	26	the	the	DET
fsr-3723	76	27	university	university	PROPN
fsr-3723	76	28	of	of	ADP
fsr-3723	76	29	michigan	michigan	PROPN
fsr-3723	76	30	to	to	PART
fsr-3723	76	31	conduct	conduct	VERB
fsr-3723	76	32	in	in	ADP
fsr-3723	76	33	each	each	DET
fsr-3723	76	34	year	year	NOUN
fsr-3723	76	35	a	a	DET
fsr-3723	76	36	survey	survey	NOUN
fsr-3723	76	37	of	of	ADP
fsr-3723	76	38	currency	currency	NOUN
fsr-3723	76	39	and	and	CCONJ
fsr-3723	76	40	transaction	transaction	NOUN
fsr-3723	76	41	account	account	NOUN
fsr-3723	76	42	usage	usage	NOUN
fsr-3723	76	43	.	.	PUNCT
fsr-3723	77	1	between	between	ADP
fsr-3723	77	2	may	may	PROPN
fsr-3723	77	3	and	and	CCONJ
fsr-3723	77	4	august	august	PROPN
fsr-3723	77	5	of	of	ADP
fsr-3723	77	6	1984	1984	NUM
fsr-3723	77	7	,	,	PUNCT
fsr-3723	77	8	a	a	DET
fsr-3723	77	9	total	total	NOUN
fsr-3723	77	10	of	of	ADP
fsr-3723	77	11	1,946	1,946	NUM
fsr-3723	77	12	telephone	telephone	NOUN
fsr-3723	77	13	interviews	interview	NOUN
fsr-3723	77	14	was	be	AUX
fsr-3723	77	15	obtained	obtain	VERB
fsr-3723	77	16	from	from	ADP
fsr-3723	77	17	a	a	DET
fsr-3723	77	18	randomly	randomly	ADV
fsr-3723	77	19	selected	select	VERB
fsr-3723	77	20	sample	sample	NOUN
fsr-3723	77	21	of	of	ADP
fsr-3723	77	22	2,500	2,500	NUM
fsr-3723	77	23	families	family	NOUN
fsr-3723	77	24	residing	reside	VERB
fsr-3723	77	25	in	in	ADP
fsr-3723	77	26	the	the	DET
fsr-3723	77	27	united	united	PROPN
fsr-3723	77	28	states	states	PROPN
fsr-3723	77	29	.	.	PUNCT
fsr-3723	78	1	for	for	ADP
fsr-3723	78	2	the	the	DET
fsr-3723	78	3	1986	1986	NUM
fsr-3723	78	4	sample	sample	NOUN
fsr-3723	78	5	,	,	PUNCT
fsr-3723	78	6	the	the	DET
fsr-3723	78	7	survey	survey	NOUN
fsr-3723	78	8	of	of	ADP
fsr-3723	78	9	currency	currency	NOUN
fsr-3723	78	10	and	and	CCONJ
fsr-3723	78	11	transaction	transaction	NOUN
fsr-3723	78	12	account	account	NOUN
fsr-3723	78	13	usage	usage	NOUN
fsr-3723	78	14	was	be	AUX
fsr-3723	78	15	conducted	conduct	VERB
fsr-3723	78	16	as	as	ADP
fsr-3723	78	17	part	part	NOUN
fsr-3723	78	18	of	of	ADP
fsr-3723	78	19	the	the	DET
fsr-3723	78	20	monthly	monthly	ADJ
fsr-3723	78	21	survey	survey	NOUN
fsr-3723	78	22	of	of	ADP
fsr-3723	78	23	consumer	consumer	NOUN
fsr-3723	78	24	attitudes	attitude	NOUN
fsr-3723	78	25	of	of	ADP
fsr-3723	78	26	the	the	DET
fsr-3723	78	27	survey	survey	NOUN
fsr-3723	78	28	research	research	NOUN
fsr-3723	78	29	center	center	NOUN
fsr-3723	78	30	of	of	ADP
fsr-3723	78	31	the	the	DET
fsr-3723	78	32	university	university	PROPN
fsr-3723	78	33	of	of	ADP
fsr-3723	78	34	michigan	michigan	PROPN
fsr-3723	78	35	.	.	PUNCT
fsr-3723	79	1	in	in	ADP
fsr-3723	79	2	this	this	DET
fsr-3723	79	3	case	case	NOUN
fsr-3723	79	4	,	,	PUNCT
fsr-3723	79	5	telephone	telephone	NOUN
fsr-3723	79	6	interviews	interview	NOUN
fsr-3723	79	7	are	be	AUX
fsr-3723	79	8	conducted	conduct	VERB
fsr-3723	79	9	by	by	ADP
fsr-3723	79	10	select	select	ADJ
fsr-3723	79	11	ing	ing	ADJ
fsr-3723	79	12	telephone	telephone	NOUN
fsr-3723	79	13	numbers	number	NOUN
fsr-3723	79	14	from	from	ADP
fsr-3723	79	15	a	a	DET
fsr-3723	79	16	cluster	cluster	NOUN
fsr-3723	79	17	sample	sample	NOUN
fsr-3723	79	18	of	of	ADP
fsr-3723	79	19	residential	residential	ADJ
fsr-3723	79	20	numbers	number	NOUN
fsr-3723	79	21	.	.	PUNCT
fsr-3723	80	1	in	in	ADP
fsr-3723	80	2	the	the	DET
fsr-3723	80	3	1986	1986	NUM
fsr-3723	80	4	money	money	NOUN
fsr-3723	80	5	ordirs	ordirs	ADJ
fsr-3723	80	6	79	79	NUM
fsr-3723	80	7	survey	survey	NOUN
fsr-3723	80	8	,	,	PUNCT
fsr-3723	80	9	there	there	PRON
fsr-3723	80	10	was	be	VERB
fsr-3723	80	11	a	a	DET
fsr-3723	80	12	response	response	NOUN
fsr-3723	80	13	rate	rate	NOUN
fsr-3723	80	14	of	of	ADP
fsr-3723	80	15	75	75	NUM
fsr-3723	80	16	%	%	NOUN
fsr-3723	80	17	with	with	ADP
fsr-3723	80	18	a	a	DET
fsr-3723	80	19	total	total	NOUN
fsr-3723	80	20	of	of	ADP
fsr-3723	80	21	658	658	NUM
fsr-3723	80	22	interviews	interview	NOUN
fsr-3723	80	23	completed	complete	VERB
fsr-3723	80	24	.	.	PUNCT
fsr-3723	81	1	a	a	DET
fsr-3723	81	2	discussion	discussion	NOUN
fsr-3723	81	3	of	of	ADP
fsr-3723	81	4	the	the	DET
fsr-3723	81	5	results	result	NOUN
fsr-3723	81	6	of	of	ADP
fsr-3723	81	7	these	these	DET
fsr-3723	81	8	surveys	survey	NOUN
fsr-3723	81	9	,	,	PUNCT
fsr-3723	81	10	along	along	ADP
fsr-3723	81	11	with	with	ADP
fsr-3723	81	12	more	more	ADV
fsr-3723	81	13	detailed	detailed	ADJ
fsr-3723	81	14	information	information	NOUN
fsr-3723	81	15	regarding	regard	VERB
fsr-3723	81	16	the	the	DET
fsr-3723	81	17	sampling	sample	VERB
fsr-3723	81	18	methods	method	NOUN
fsr-3723	81	19	,	,	PUNCT
fsr-3723	81	20	is	be	AUX
fsr-3723	81	21	presented	present	VERB
fsr-3723	81	22	in	in	ADP
fsr-3723	81	23	avery	avery	PROPN
fsr-3723	81	24	,	,	PUNCT
fsr-3723	81	25	elliehausen	elliehausen	NOUN
fsr-3723	81	26	,	,	PUNCT
fsr-3723	81	27	kennickell	kennickell	NOUN
fsr-3723	81	28	,	,	PUNCT
fsr-3723	81	29	and	and	CCONJ
fsr-3723	81	30	spindt	spindt	PROPN
fsr-3723	81	31	(	(	PUNCT
fsr-3723	81	32	1986	1986	NUM
fsr-3723	81	33	,	,	PUNCT
fsr-3723	81	34	1987	1987	NUM
fsr-3723	81	35	)	)	PUNCT
fsr-3723	81	36	.	.	PUNCT
fsr-3723	82	1	in	in	ADP
fsr-3723	82	2	this	this	DET
fsr-3723	82	3	study	study	NOUN
fsr-3723	82	4	,	,	PUNCT
fsr-3723	82	5	household	household	NOUN
fsr-3723	82	6	usage	usage	NOUN
fsr-3723	82	7	of	of	ADP
fsr-3723	82	8	money	money	NOUN
fsr-3723	82	9	order	order	NOUN
fsr-3723	82	10	users	user	NOUN
fsr-3723	82	11	is	be	AUX
fsr-3723	82	12	examined	examine	VERB
fsr-3723	82	13	.	.	PUNCT
fsr-3723	83	1	unfortunately	unfortunately	ADV
fsr-3723	83	2	,	,	PUNCT
fsr-3723	83	3	the	the	DET
fsr-3723	83	4	1984	1984	NUM
fsr-3723	83	5	survey	survey	NOUN
fsr-3723	83	6	did	do	AUX
fsr-3723	83	7	n’t	not	PART
fsr-3723	83	8	ask	ask	VERB
fsr-3723	83	9	households	household	NOUN
fsr-3723	83	10	about	about	ADP
fsr-3723	83	11	their	their	PRON
fsr-3723	83	12	money	money	NOUN
fsr-3723	83	13	order	order	NOUN
fsr-3723	83	14	usage	usage	NOUN
fsr-3723	83	15	.	.	PUNCT
fsr-3723	84	1	however	however	ADV
fsr-3723	84	2	,	,	PUNCT
fsr-3723	84	3	the	the	DET
fsr-3723	84	4	1984	1984	NUM
fsr-3723	84	5	survey	survey	NOUN
fsr-3723	84	6	does	do	AUX
fsr-3723	84	7	provide	provide	VERB
fsr-3723	84	8	information	information	NOUN
fsr-3723	84	9	on	on	ADP
fsr-3723	84	10	the	the	DET
fsr-3723	84	11	total	total	ADJ
fsr-3723	84	12	dollars	dollar	NOUN
fsr-3723	84	13	of	of	ADP
fsr-3723	84	14	money	money	NOUN
fsr-3723	84	15	orders	order	NOUN
fsr-3723	84	16	purchased	purchase	VERB
fsr-3723	84	17	by	by	ADP
fsr-3723	84	18	the	the	DET
fsr-3723	84	19	household	household	NOUN
fsr-3723	84	20	in	in	ADP
fsr-3723	84	21	the	the	DET
fsr-3723	84	22	previous	previous	ADJ
fsr-3723	84	23	month	month	NOUN
fsr-3723	84	24	.	.	PUNCT
fsr-3723	85	1	for	for	ADP
fsr-3723	85	2	the	the	DET
fsr-3723	85	3	1984	1984	NUM
fsr-3723	85	4	sample	sample	NOUN
fsr-3723	85	5	a	a	DET
fsr-3723	85	6	dummy	dummy	ADJ
fsr-3723	85	7	variable	variable	NOUN
fsr-3723	85	8	,	,	PUNCT
fsr-3723	85	9	morduse2	morduse2	PROPN
fsr-3723	85	10	,	,	PUNCT
fsr-3723	85	11	was	be	AUX
fsr-3723	85	12	created	create	VERB
fsr-3723	85	13	that	that	PRON
fsr-3723	85	14	equals	equal	VERB
fsr-3723	85	15	one	one	NUM
fsr-3723	85	16	if	if	SCONJ
fsr-3723	85	17	the	the	DET
fsr-3723	85	18	house	house	NOUN
fsr-3723	85	19	hold	hold	VERB
fsr-3723	85	20	purchased	purchase	VERB
fsr-3723	85	21	money	money	NOUN
fsr-3723	85	22	orders	order	NOUN
fsr-3723	85	23	in	in	ADP
fsr-3723	85	24	the	the	DET
fsr-3723	85	25	previous	previous	ADJ
fsr-3723	85	26	month	month	NOUN
fsr-3723	85	27	and	and	CCONJ
fsr-3723	85	28	equals	equal	VERB
fsr-3723	85	29	zero	zero	NUM
fsr-3723	85	30	if	if	SCONJ
fsr-3723	85	31	otherwise	otherwise	ADV
fsr-3723	85	32	.	.	PUNCT
fsr-3723	86	1	the	the	DET
fsr-3723	86	2	1986	1986	NUM
fsr-3723	86	3	survey	survey	NOUN
fsr-3723	86	4	does	do	AUX
fsr-3723	86	5	provide	provide	VERB
fsr-3723	86	6	information	information	NOUN
fsr-3723	86	7	on	on	ADP
fsr-3723	86	8	money	money	NOUN
fsr-3723	86	9	order	order	NOUN
fsr-3723	86	10	usage	usage	NOUN
fsr-3723	86	11	with	with	ADP
fsr-3723	86	12	the	the	DET
fsr-3723	86	13	binary	binary	ADJ
fsr-3723	86	14	variable	variable	NOUN
fsr-3723	86	15	,	,	PUNCT
fsr-3723	86	16	morduse	morduse	NOUN
fsr-3723	86	17	,	,	PUNCT
fsr-3723	86	18	which	which	PRON
fsr-3723	86	19	equals	equal	VERB
fsr-3723	86	20	one	one	NUM
fsr-3723	86	21	if	if	SCONJ
fsr-3723	86	22	the	the	DET
fsr-3723	86	23	household	household	NOUN
fsr-3723	86	24	uses	use	VERB
fsr-3723	86	25	money	money	NOUN
fsr-3723	86	26	orders	order	NOUN
fsr-3723	86	27	,	,	PUNCT
fsr-3723	86	28	and	and	CCONJ
fsr-3723	86	29	equals	equal	VERB
fsr-3723	86	30	zero	zero	NUM
fsr-3723	86	31	if	if	SCONJ
fsr-3723	86	32	otherwise	otherwise	ADV
fsr-3723	86	33	.	.	PUNCT
fsr-3723	87	1	however	however	ADV
fsr-3723	87	2	,	,	PUNCT
fsr-3723	87	3	to	to	PART
fsr-3723	87	4	check	check	VERB
fsr-3723	87	5	the	the	DET
fsr-3723	87	6	validity	validity	NOUN
fsr-3723	87	7	of	of	ADP
fsr-3723	87	8	the	the	DET
fsr-3723	87	9	dummy	dummy	ADJ
fsr-3723	87	10	variable	variable	NOUN
fsr-3723	87	11	,	,	PUNCT
fsr-3723	87	12	morduse2	morduse2	PROPN
fsr-3723	87	13	,	,	PUNCT
fsr-3723	87	14	created	create	VERB
fsr-3723	87	15	in	in	ADP
fsr-3723	87	16	the	the	DET
fsr-3723	87	17	1984	1984	NUM
fsr-3723	87	18	sample	sample	NOUN
fsr-3723	87	19	,	,	PUNCT
fsr-3723	87	20	the	the	DET
fsr-3723	87	21	same	same	ADJ
fsr-3723	87	22	procedure	procedure	NOUN
fsr-3723	87	23	was	be	AUX
fsr-3723	87	24	applied	apply	VERB
fsr-3723	87	25	to	to	ADP
fsr-3723	87	26	the	the	DET
fsr-3723	87	27	1986	1986	NUM
fsr-3723	87	28	sample	sample	NOUN
fsr-3723	87	29	.	.	PUNCT
fsr-3723	88	1	using	use	VERB
fsr-3723	88	2	the	the	DET
fsr-3723	88	3	1986	1986	NUM
fsr-3723	88	4	sample	sample	NOUN
fsr-3723	88	5	,	,	PUNCT
fsr-3723	88	6	the	the	DET
fsr-3723	88	7	logit	logit	NOUN
fsr-3723	88	8	regressions	regression	NOUN
fsr-3723	88	9	revealed	reveal	VERB
fsr-3723	88	10	the	the	DET
fsr-3723	88	11	same	same	ADJ
fsr-3723	88	12	results	result	NOUN
fsr-3723	88	13	with	with	ADP
fsr-3723	88	14	morduse	morduse	NOUN
fsr-3723	88	15	or	or	CCONJ
fsr-3723	88	16	morduse2	morduse2	NOUN
fsr-3723	88	17	as	as	ADP
fsr-3723	88	18	the	the	DET
fsr-3723	88	19	dependent	dependent	ADJ
fsr-3723	88	20	variable	variable	NOUN
fsr-3723	88	21	.	.	PUNCT
fsr-3723	89	1	the	the	DET
fsr-3723	89	2	basic	basic	ADJ
fsr-3723	89	3	model	model	NOUN
fsr-3723	89	4	the	the	DET
fsr-3723	89	5	model	model	NOUN
fsr-3723	89	6	for	for	ADP
fsr-3723	89	7	money	money	NOUN
fsr-3723	89	8	order	order	NOUN
fsr-3723	89	9	use	use	NOUN
fsr-3723	89	10	was	be	AUX
fsr-3723	89	11	developed	develop	VERB
fsr-3723	89	12	as	as	ADP
fsr-3723	89	13	the	the	DET
fsr-3723	89	14	demand	demand	NOUN
fsr-3723	89	15	for	for	ADP
fsr-3723	89	16	a	a	DET
fsr-3723	89	17	financial	financial	ADJ
fsr-3723	89	18	asset	asset	NOUN
fsr-3723	89	19	.	.	PUNCT
fsr-3723	90	1	in	in	ADP
fsr-3723	90	2	this	this	DET
fsr-3723	90	3	case	case	NOUN
fsr-3723	90	4	important	important	ADJ
fsr-3723	90	5	independent	independent	ADJ
fsr-3723	90	6	variables	variable	NOUN
fsr-3723	90	7	are	be	AUX
fsr-3723	90	8	a	a	DET
fsr-3723	90	9	scale	scale	NOUN
fsr-3723	90	10	variable	variable	NOUN
fsr-3723	90	11	and	and	CCONJ
fsr-3723	90	12	several	several	ADJ
fsr-3723	90	13	demographic	demographic	ADJ
fsr-3723	90	14	variables	variable	NOUN
fsr-3723	90	15	.	.	PUNCT
fsr-3723	91	1	the	the	DET
fsr-3723	91	2	natural	natural	ADJ
fsr-3723	91	3	logarithm	logarithm	NOUN
fsr-3723	91	4	of	of	ADP
fsr-3723	91	5	annual	annual	ADJ
fsr-3723	91	6	household	household	NOUN
fsr-3723	91	7	income	income	NOUN
fsr-3723	91	8	for	for	ADP
fsr-3723	91	9	the	the	DET
fsr-3723	91	10	preyious	preyious	ADJ
fsr-3723	91	11	year	year	NOUN
fsr-3723	91	12	is	be	AUX
fsr-3723	91	13	the	the	DET
fsr-3723	91	14	scale	scale	NOUN
fsr-3723	91	15	variable	variable	NOUN
fsr-3723	91	16	.	.	PUNCT
fsr-3723	92	1	demographic	demographic	ADJ
fsr-3723	92	2	variables	variable	NOUN
fsr-3723	92	3	that	that	PRON
fsr-3723	92	4	are	be	AUX
fsr-3723	92	5	of	of	ADP
fsr-3723	92	6	interest	interest	NOUN
fsr-3723	92	7	are	be	AUX
fsr-3723	92	8	race	race	NOUN
fsr-3723	92	9	,	,	PUNCT
fsr-3723	92	10	education	education	NOUN
fsr-3723	92	11	,	,	PUNCT
fsr-3723	92	12	and	and	CCONJ
fsr-3723	92	13	gender	gender	NOUN
fsr-3723	92	14	.	.	PUNCT
fsr-3723	93	1	a	a	DET
fsr-3723	93	2	logit	logit	NOUN
fsr-3723	93	3	regression	regression	NOUN
fsr-3723	93	4	technique	technique	NOUN
fsr-3723	93	5	is	be	AUX
fsr-3723	93	6	used	use	VERB
fsr-3723	93	7	to	to	PART
fsr-3723	93	8	estimate	estimate	VERB
fsr-3723	93	9	the	the	DET
fsr-3723	93	10	extent	extent	NOUN
fsr-3723	93	11	to	to	PART
fsr-3723	93	12	which	which	PRON
fsr-3723	93	13	the	the	DET
fsr-3723	93	14	independent	independent	ADJ
fsr-3723	93	15	variables	variable	NOUN
fsr-3723	93	16	affect	affect	VERB
fsr-3723	93	17	the	the	DET
fsr-3723	93	18	probability	probability	NOUN
fsr-3723	93	19	that	that	SCONJ
fsr-3723	93	20	a	a	DET
fsr-3723	93	21	household	household	NOUN
fsr-3723	93	22	is	be	AUX
fsr-3723	93	23	a	a	DET
fsr-3723	93	24	money	money	NOUN
fsr-3723	93	25	order	order	NOUN
fsr-3723	93	26	user	user	NOUN
fsr-3723	93	27	.	.	PUNCT
fsr-3723	94	1	table	table	NOUN
fsr-3723	94	2	1	1	NUM
fsr-3723	94	3	.	.	PUNCT
fsr-3723	95	1	logit	logit	PROPN
fsr-3723	95	2	results	result	VERB
fsr-3723	95	3	dependent	dependent	ADJ
fsr-3723	95	4	variable	variable	NOUN
fsr-3723	95	5	is	be	AUX
fsr-3723	95	6	mordusez	mordusez	NOUN
fsr-3723	95	7	1984	1984	NUM
fsr-3723	95	8	survev	survev	PROPN
fsr-3723	95	9	variable	variable	ADJ
fsr-3723	95	10	coe@cienr	coe@cienr	PROPN
fsr-3723	95	11	chi	chi	PROPN
fsr-3723	95	12	-	-	PUNCT
fsr-3723	95	13	square	square	ADJ
fsr-3723	95	14	p	p	NOUN
fsr-3723	95	15	-	-	PUNCT
fsr-3723	95	16	value	value	NOUN
fsr-3723	95	17	constant	constant	ADJ
fsr-3723	95	18	4.81	4.81	NUM
fsr-3723	95	19	’	'	PUNCT
fsr-3723	95	20	19.32	19.32	NUM
fsr-3723	95	21	0.00	0.00	NUM
fsr-3723	95	22	lnage	lnage	NOUN
fsr-3723	95	23	-o.90	-o.90	NOUN
fsr-3723	95	24	*	*	NOUN
fsr-3723	95	25	24.33	24.33	NUM
fsr-3723	95	26	0.00	0.00	NUM
fsr-3723	95	27	race	race	NOUN
fsr-3723	95	28	1.14	1.14	NUM
fsr-3723	95	29	*	*	SYM
fsr-3723	95	30	50.91	50.91	NUM
fsr-3723	95	31	0.00	0.00	NUM
fsr-3723	95	32	lnannlinc	lnannlinc	PROPN
fsr-3723	95	33	-0.36	-0.36	NOUN
fsr-3723	95	34	;	;	PUNCT
fsr-3723	95	35	17.84	17.84	NUM
fsr-3723	95	36	0.00	0.00	NUM
fsr-3723	95	37	model	model	NOUN
fsr-3723	95	38	chi	chi	ADJ
fsr-3723	95	39	-	-	PUNCT
fsr-3723	95	40	square	square	NOUN
fsr-3723	95	41	=	=	NOUN
fsr-3723	95	42	128.11	128.11	NUM
fsr-3723	95	43	.	.	PUNCT
fsr-3723	96	1	note	note	NOUN
fsr-3723	96	2	:	:	PUNCT
fsr-3723	96	3	*	*	PUNCT
fsr-3723	96	4	indicates	indicate	VERB
fsr-3723	96	5	that	that	SCONJ
fsr-3723	96	6	the	the	DET
fsr-3723	96	7	&	&	CCONJ
fsr-3723	96	8	i	i	PROPN
fsr-3723	96	9	-	-	PUNCT
fsr-3723	96	10	square	square	PROPN
fsr-3723	96	11	statistic	statistic	NOUN
fsr-3723	96	12	is	be	AUX
fsr-3723	96	13	significant	significant	ADJ
fsr-3723	96	14	at	at	ADP
fsr-3723	96	15	the	the	DET
fsr-3723	96	16	5	5	NUM
fsr-3723	96	17	-	-	PUNCT
fsr-3723	96	18	percent	percent	NOUN
fsr-3723	96	19	level	level	NOUN
fsr-3723	96	20	.	.	PUNCT
fsr-3723	97	1	wage	wage	NOUN
fsr-3723	97	2	=	=	SYM
fsr-3723	97	3	natural	natural	ADJ
fsr-3723	97	4	logarithm	logarithm	NOUN
fsr-3723	97	5	of	of	ADP
fsr-3723	97	6	age	age	NOUN
fsr-3723	97	7	of	of	ADP
fsr-3723	97	8	respondent	respondent	NOUN
fsr-3723	97	9	in	in	ADP
fsr-3723	97	10	years	year	NOUN
fsr-3723	97	11	morduse	morduse	NOUN
fsr-3723	97	12	=	=	X
fsr-3723	97	13	use	use	NOUN
fsr-3723	97	14	of	of	ADP
fsr-3723	97	15	money	money	NOUN
fsr-3723	97	16	orders	order	NOUN
fsr-3723	97	17	by	by	ADP
fsr-3723	97	18	household	household	NOUN
fsr-3723	97	19	,	,	PUNCT
fsr-3723	97	20	equal	equal	ADJ
fsr-3723	97	21	to	to	ADP
fsr-3723	97	22	1	1	NUM
fsr-3723	97	23	if	if	SCONJ
fsr-3723	97	24	money	money	NOUN
fsr-3723	97	25	orders	order	NOUN
fsr-3723	97	26	are	be	AUX
fsr-3723	97	27	used	use	VERB
fsr-3723	97	28	,	,	PUNCT
fsr-3723	97	29	0	0	NUM
fsr-3723	97	30	for	for	ADP
fsr-3723	97	31	all	all	DET
fsr-3723	97	32	others	other	NOUN
fsr-3723	97	33	.	.	PUNCT
fsr-3723	98	1	morduse2	morduse2	NOUN
fsr-3723	98	2	=	=	SYM
fsr-3723	98	3	dummy	dummy	ADJ
fsr-3723	98	4	variable	variable	NOUN
fsr-3723	98	5	created	create	VERB
fsr-3723	98	6	for	for	ADP
fsr-3723	98	7	1984	1984	NUM
fsr-3723	98	8	sample	sample	NOUN
fsr-3723	98	9	,	,	PUNCT
fsr-3723	98	10	equal	equal	ADJ
fsr-3723	98	11	to	to	ADP
fsr-3723	98	12	1	1	NUM
fsr-3723	98	13	if	if	SCONJ
fsr-3723	98	14	household	household	NOUN
fsr-3723	98	15	purchased	purchase	VERB
fsr-3723	98	16	money	money	NOUN
fsr-3723	98	17	orders	order	NOUN
fsr-3723	98	18	in	in	ADP
fsr-3723	98	19	the	the	DET
fsr-3723	98	20	previous	previous	ADJ
fsr-3723	98	21	month	month	NOUN
fsr-3723	98	22	,	,	PUNCT
fsr-3723	98	23	0	0	NUM
fsr-3723	98	24	for	for	ADP
fsr-3723	98	25	all	all	DET
fsr-3723	98	26	others	other	NOUN
fsr-3723	98	27	.	.	PUNCT
fsr-3723	99	1	race	race	NOUN
fsr-3723	100	1	=	=	PUNCT
fsr-3723	100	2	is	be	AUX
fsr-3723	100	3	tbe	tbe	VERB
fsr-3723	100	4	respondent	respondent	NOUN
fsr-3723	100	5	a	a	DET
fsr-3723	100	6	minority	minority	NOUN
fsr-3723	100	7	,	,	PUNCT
fsr-3723	100	8	equal	equal	ADJ
fsr-3723	100	9	to	to	ADP
fsr-3723	100	10	1	1	NUM
fsr-3723	100	11	if	if	SCONJ
fsr-3723	100	12	black	black	ADJ
fsr-3723	100	13	,	,	PUNCT
fsr-3723	100	14	hispanic	hispanic	ADJ
fsr-3723	100	15	,	,	PUNCT
fsr-3723	100	16	or	or	CCONJ
fsr-3723	100	17	asian	asian	ADJ
fsr-3723	100	18	descent	descent	NOUN
fsr-3723	100	19	,	,	PUNCT
fsr-3723	100	20	0	0	NUM
fsr-3723	100	21	for	for	ADP
fsr-3723	100	22	all	all	DET
fsr-3723	100	23	others	other	NOUN
fsr-3723	100	24	.	.	PUNCT
fsr-3723	101	1	lnannlinc	lnannlinc	VERB
fsr-3723	101	2	=	=	SYM
fsr-3723	101	3	natural	natural	ADJ
fsr-3723	101	4	logarithm	logarithm	NOUN
fsr-3723	101	5	of	of	ADP
fsr-3723	101	6	household	household	NOUN
fsr-3723	101	7	annual	annual	ADJ
fsr-3723	101	8	income	income	NOUN
fsr-3723	101	9	for	for	ADP
fsr-3723	101	10	the	the	DET
fsr-3723	101	11	previous	previous	ADJ
fsr-3723	101	12	year	year	NOUN
fsr-3723	101	13	.	.	PUNCT
fsr-3723	102	1	80	80	NUM
fsr-3723	102	2	financial	financial	ADJ
fsr-3723	102	3	services	service	NOUN
fsr-3723	102	4	review	review	NOUN
fsr-3723	102	5	,	,	PUNCT
fsr-3723	102	6	3(l	3(l	NUM
fsr-3723	102	7	)	)	PUNCT
fsr-3723	102	8	1993	1993	NUM
fsr-3723	102	9	table	table	NOUN
fsr-3723	102	10	2	2	NUM
fsr-3723	102	11	.	.	PUNCT
fsr-3723	102	12	logit	logit	PROPN
fsr-3723	102	13	results	result	VERB
fsr-3723	102	14	dependent	dependent	ADJ
fsr-3723	102	15	variable	variable	NOUN
fsr-3723	102	16	is	be	AUX
fsr-3723	102	17	morduse	morduse	NOUN
fsr-3723	102	18	1986	1986	NUM
fsr-3723	102	19	survey	survey	NOUN
fsr-3723	102	20	variable	variable	ADJ
fsr-3723	102	21	constant	constant	ADJ
fsr-3723	102	22	lnage	lnage	NOUN
fsr-3723	102	23	race	race	NOUN
fsr-3723	102	24	lnannlinc	lnannlinc	PROPN
fsr-3723	102	25	coelgicient	coelgicient	NOUN
fsr-3723	102	26	4.93	4.93	NUM
fsr-3723	102	27	.	.	PUNCT
fsr-3723	103	1	-1.14	-1.14	NOUN
fsr-3723	103	2	;	;	PUNCT
fsr-3723	103	3	1.31	1.31	NUM
fsr-3723	103	4	*	*	PUNCT
fsr-3723	103	5	-0.31	-0.31	PRON
fsr-3723	103	6	*	*	PUNCT
fsr-3723	103	7	chi	chi	ADJ
fsr-3723	103	8	-	-	PUNCT
fsr-3723	103	9	square	square	NOUN
fsr-3723	103	10	6.29	6.29	NUM
fsr-3723	103	11	12.29	12.29	NUM
fsr-3723	103	12	19.25	19.25	NUM
fsr-3723	103	13	4.07	4.07	NUM
fsr-3723	103	14	p	p	ADJ
fsr-3723	103	15	-	-	PUNCT
fsr-3723	103	16	value	value	NOUN
fsr-3723	103	17	0.01	0.01	NUM
fsr-3723	103	18	0.00	0.00	NUM
fsr-3723	103	19	0.00	0.00	NUM
fsr-3723	103	20	0.04	0.04	NUM
fsr-3723	103	21	model	model	NOUN
fsr-3723	103	22	chi	chi	ADJ
fsr-3723	103	23	-	-	PUNCT
fsr-3723	103	24	square	square	NOUN
fsr-3723	103	25	=	=	PUNCT
fsr-3723	103	26	40.54	40.54	NUM
fsr-3723	103	27	*	*	PUNCT
fsr-3723	103	28	note	note	NOUN
fsr-3723	103	29	:	:	PUNCT
fsr-3723	103	30	*	*	PUNCT
fsr-3723	103	31	indicates	indicate	VERB
fsr-3723	103	32	that	that	SCONJ
fsr-3723	103	33	the	the	DET
fsr-3723	103	34	&	&	CCONJ
fsr-3723	103	35	i	i	PROPN
fsr-3723	103	36	-	-	PUNCT
fsr-3723	103	37	square	square	PROPN
fsr-3723	103	38	statistic	statistic	NOUN
fsr-3723	103	39	is	be	AUX
fsr-3723	103	40	significant	significant	ADJ
fsr-3723	103	41	at	at	ADP
fsr-3723	103	42	the	the	DET
fsr-3723	103	43	5	5	NUM
fsr-3723	103	44	-	-	PUNCT
fsr-3723	103	45	percent	percent	NOUN
fsr-3723	103	46	level	level	NOUN
fsr-3723	103	47	.	.	PUNCT
fsr-3723	104	1	lnage	lnage	NOUN
fsr-3723	104	2	=	=	SYM
fsr-3723	104	3	natural	natural	ADJ
fsr-3723	104	4	logarithm	logarithm	NOUN
fsr-3723	104	5	of	of	ADP
fsr-3723	104	6	age	age	NOUN
fsr-3723	104	7	of	of	ADP
fsr-3723	104	8	respondent	respondent	NOUN
fsr-3723	104	9	in	in	ADP
fsr-3723	104	10	years	year	NOUN
fsr-3723	104	11	morduse	morduse	NOUN
fsr-3723	104	12	=	=	X
fsr-3723	104	13	use	use	NOUN
fsr-3723	104	14	of	of	ADP
fsr-3723	104	15	money	money	NOUN
fsr-3723	104	16	orders	order	NOUN
fsr-3723	104	17	by	by	ADP
fsr-3723	104	18	household	household	NOUN
fsr-3723	104	19	,	,	PUNCT
fsr-3723	104	20	equal	equal	ADJ
fsr-3723	104	21	to	to	ADP
fsr-3723	104	22	1	1	NUM
fsr-3723	104	23	if	if	SCONJ
fsr-3723	104	24	money	money	NOUN
fsr-3723	104	25	orders	order	NOUN
fsr-3723	104	26	are	be	AUX
fsr-3723	104	27	used	use	VERB
fsr-3723	104	28	,	,	PUNCT
fsr-3723	104	29	0	0	NUM
fsr-3723	104	30	for	for	ADP
fsr-3723	104	31	all	all	DET
fsr-3723	104	32	others	other	NOUN
fsr-3723	104	33	.	.	PUNCT
fsr-3723	105	1	morduse2	morduse2	NOUN
fsr-3723	105	2	=	=	SYM
fsr-3723	105	3	dummy	dummy	ADJ
fsr-3723	105	4	variable	variable	NOUN
fsr-3723	105	5	created	create	VERB
fsr-3723	105	6	for	for	ADP
fsr-3723	105	7	1984	1984	NUM
fsr-3723	105	8	sample	sample	NOUN
fsr-3723	105	9	,	,	PUNCT
fsr-3723	105	10	equal	equal	ADJ
fsr-3723	105	11	to	to	ADP
fsr-3723	105	12	1	1	NUM
fsr-3723	105	13	if	if	SCONJ
fsr-3723	105	14	household	household	NOUN
fsr-3723	105	15	purchased	purchase	VERB
fsr-3723	105	16	money	money	NOUN
fsr-3723	105	17	orders	order	NOUN
fsr-3723	105	18	in	in	ADP
fsr-3723	105	19	the	the	DET
fsr-3723	105	20	previous	previous	ADJ
fsr-3723	105	21	month	month	NOUN
fsr-3723	105	22	,	,	PUNCT
fsr-3723	105	23	0	0	NUM
fsr-3723	105	24	for	for	ADP
fsr-3723	105	25	all	all	DET
fsr-3723	105	26	others	other	NOUN
fsr-3723	105	27	.	.	PUNCT
fsr-3723	106	1	race	race	NOUN
fsr-3723	107	1	=	=	PUNCT
fsr-3723	107	2	is	be	AUX
fsr-3723	107	3	the	the	DET
fsr-3723	107	4	respondent	respondent	NOUN
fsr-3723	107	5	a	a	DET
fsr-3723	107	6	minority	minority	NOUN
fsr-3723	107	7	,	,	PUNCT
fsr-3723	107	8	equal	equal	ADJ
fsr-3723	107	9	to	to	ADP
fsr-3723	107	10	1	1	NUM
fsr-3723	107	11	if	if	SCONJ
fsr-3723	107	12	black	black	ADJ
fsr-3723	107	13	,	,	PUNCT
fsr-3723	107	14	hispanic	hispanic	ADJ
fsr-3723	107	15	,	,	PUNCT
fsr-3723	107	16	or	or	CCONJ
fsr-3723	107	17	asian	asian	ADJ
fsr-3723	107	18	descent	descent	NOUN
fsr-3723	107	19	,	,	PUNCT
fsr-3723	107	20	0	0	NUM
fsr-3723	107	21	for	for	ADP
fsr-3723	107	22	all	all	DET
fsr-3723	107	23	others	other	NOUN
fsr-3723	107	24	.	.	PUNCT
fsr-3723	108	1	lnannlinc	lnannlinc	VERB
fsr-3723	108	2	=	=	SYM
fsr-3723	108	3	natural	natural	ADJ
fsr-3723	108	4	logarithm	logarithm	NOUN
fsr-3723	108	5	of	of	ADP
fsr-3723	108	6	household	household	NOUN
fsr-3723	108	7	annual	annual	ADJ
fsr-3723	108	8	income	income	NOUN
fsr-3723	108	9	for	for	ADP
fsr-3723	108	10	the	the	DET
fsr-3723	108	11	previous	previous	ADJ
fsr-3723	108	12	year	year	NOUN
fsr-3723	108	13	.	.	PUNCT
fsr-3723	109	1	a4ordzjse	a4ordzjse	PROPN
fsr-3723	109	2	was	be	AUX
fsr-3723	109	3	the	the	DET
fsr-3723	109	4	dependent	dependent	ADJ
fsr-3723	109	5	variable	variable	NOUN
fsr-3723	109	6	for	for	ADP
fsr-3723	109	7	the	the	DET
fsr-3723	109	8	1986	1986	NUM
fsr-3723	109	9	logit	logit	PROPN
fsr-3723	109	10	regression	regression	NOUN
fsr-3723	109	11	analysis	analysis	NOUN
fsr-3723	109	12	,	,	PUNCT
fsr-3723	109	13	and	and	CCONJ
fsr-3723	109	14	a4orlxjse2	a4orlxjse2	PROPN
fsr-3723	109	15	was	be	AUX
fsr-3723	109	16	the	the	DET
fsr-3723	109	17	dependent	dependent	ADJ
fsr-3723	109	18	variable	variable	NOUN
fsr-3723	109	19	for	for	ADP
fsr-3723	109	20	the	the	DET
fsr-3723	109	21	1984	1984	NUM
fsr-3723	109	22	logit	logit	PROPN
fsr-3723	109	23	regression	regression	NOUN
fsr-3723	109	24	analysis	analysis	NOUN
fsr-3723	109	25	.	.	PUNCT
fsr-3723	110	1	empirical	empirical	ADJ
fsr-3723	110	2	results	result	NOUN
fsr-3723	110	3	the	the	DET
fsr-3723	110	4	results	result	NOUN
fsr-3723	110	5	of	of	ADP
fsr-3723	110	6	the	the	DET
fsr-3723	110	7	logit	logit	NOUN
fsr-3723	110	8	regressions	regression	NOUN
fsr-3723	110	9	are	be	AUX
fsr-3723	110	10	shown	show	VERB
fsr-3723	110	11	in	in	ADP
fsr-3723	110	12	tables	table	NOUN
fsr-3723	110	13	1	1	NUM
fsr-3723	110	14	and	and	CCONJ
fsr-3723	110	15	2	2	NUM
fsr-3723	110	16	.	.	X
fsr-3723	110	17	for	for	ADP
fsr-3723	110	18	both	both	DET
fsr-3723	110	19	years	year	NOUN
fsr-3723	110	20	,	,	PUNCT
fsr-3723	110	21	the	the	DET
fsr-3723	110	22	variables	variable	NOUN
fsr-3723	110	23	that	that	PRON
fsr-3723	110	24	are	be	AUX
fsr-3723	110	25	statistically	statistically	ADV
fsr-3723	110	26	significant	significant	ADJ
fsr-3723	110	27	are	be	AUX
fsr-3723	110	28	lnage	lnage	NOUN
fsr-3723	110	29	,	,	PUNCT
fsr-3723	110	30	lnannlznc	lnannlznc	NOUN
fsr-3723	110	31	,	,	PUNCT
fsr-3723	110	32	and	and	CCONJ
fsr-3723	110	33	race	race	NOUN
fsr-3723	110	34	as	as	SCONJ
fsr-3723	110	35	indicated	indicate	VERB
fsr-3723	110	36	by	by	ADP
fsr-3723	110	37	their	their	PRON
fsr-3723	110	38	respective	respective	ADJ
fsr-3723	110	39	chi	chi	ADJ
fsr-3723	110	40	-	-	PUNCT
fsr-3723	110	41	square	square	ADJ
fsr-3723	110	42	statistic	statistic	NOUN
fsr-3723	110	43	.	.	PUNCT
fsr-3723	111	1	a	a	DET
fsr-3723	111	2	likelihood	likelihood	NOUN
fsr-3723	111	3	-	-	PUNCT
fsr-3723	111	4	ratio	ratio	NOUN
fsr-3723	111	5	test	test	NOUN
fsr-3723	111	6	was	be	AUX
fsr-3723	111	7	also	also	ADV
fsr-3723	111	8	performed	perform	VERB
fsr-3723	111	9	to	to	PART
fsr-3723	111	10	test	test	VERB
fsr-3723	111	11	the	the	DET
fsr-3723	111	12	significance	significance	NOUN
fsr-3723	111	13	of	of	ADP
fsr-3723	111	14	each	each	DET
fsr-3723	111	15	coefficient	coefficient	NOUN
fsr-3723	111	16	independently	independently	ADV
fsr-3723	111	17	,	,	PUNCT
fsr-3723	111	18	and	and	CCONJ
fsr-3723	111	19	the	the	DET
fsr-3723	111	20	results	result	NOUN
fsr-3723	111	21	coincided	coincide	VERB
fsr-3723	111	22	with	with	ADP
fsr-3723	111	23	the	the	DET
fsr-3723	111	24	chi	chi	ADJ
fsr-3723	111	25	-	-	PUNCT
fsr-3723	111	26	square	square	ADJ
fsr-3723	111	27	test	test	NOUN
fsr-3723	111	28	.	.	PUNCT
fsr-3723	112	1	the	the	DET
fsr-3723	112	2	significant	significant	ADJ
fsr-3723	112	3	variables	variable	NOUN
fsr-3723	112	4	have	have	VERB
fsr-3723	112	5	the	the	DET
fsr-3723	112	6	expected	expect	VERB
fsr-3723	112	7	sign	sign	NOUN
fsr-3723	112	8	on	on	ADP
fsr-3723	112	9	their	their	PRON
fsr-3723	112	10	respective	respective	ADJ
fsr-3723	112	11	coefficients	coefficient	NOUN
fsr-3723	112	12	.	.	PUNCT
fsr-3723	113	1	this	this	PRON
fsr-3723	113	2	indicates	indicate	VERB
fsr-3723	113	3	that	that	SCONJ
fsr-3723	113	4	the	the	DET
fsr-3723	113	5	probability	probability	NOUN
fsr-3723	113	6	of	of	ADP
fsr-3723	113	7	money	money	NOUN
fsr-3723	113	8	order	order	NOUN
fsr-3723	113	9	use	use	NOUN
fsr-3723	113	10	is	be	AUX
fsr-3723	113	11	less	less	ADV
fsr-3723	113	12	likely	likely	ADJ
fsr-3723	113	13	with	with	ADP
fsr-3723	113	14	households	household	NOUN
fsr-3723	113	15	that	that	PRON
fsr-3723	113	16	are	be	AUX
fsr-3723	113	17	older	old	ADJ
fsr-3723	113	18	,	,	PUNCT
fsr-3723	113	19	have	have	AUX
fsr-3723	113	20	higher	high	ADJ
fsr-3723	113	21	incomes	income	NOUN
fsr-3723	113	22	,	,	PUNCT
fsr-3723	113	23	and	and	CCONJ
fsr-3723	113	24	are	be	AUX
fsr-3723	113	25	white	white	ADJ
fsr-3723	113	26	.	.	PUNCT
fsr-3723	114	1	money	money	NOUN
fsr-3723	114	2	order	order	NOUN
fsr-3723	114	3	use	use	NOUN
fsr-3723	114	4	exhibits	exhibit	VERB
fsr-3723	114	5	the	the	DET
fsr-3723	114	6	behavior	behavior	NOUN
fsr-3723	114	7	of	of	ADP
fsr-3723	114	8	an	an	DET
fsr-3723	114	9	inferior	inferior	ADJ
fsr-3723	114	10	good	good	NOUN
fsr-3723	114	11	,	,	PUNCT
fsr-3723	114	12	as	as	SCONJ
fsr-3723	114	13	indicated	indicate	VERB
fsr-3723	114	14	by	by	ADP
fsr-3723	114	15	the	the	DET
fsr-3723	114	16	significant	significant	ADJ
fsr-3723	114	17	negative	negative	ADJ
fsr-3723	114	18	coefficient	coefficient	NOUN
fsr-3723	114	19	on	on	ADP
fsr-3723	114	20	the	the	DET
fsr-3723	114	21	scale	scale	NOUN
fsr-3723	114	22	variable	variable	NOUN
fsr-3723	114	23	,	,	PUNCT
fsr-3723	114	24	confirming	confirm	VERB
fsr-3723	114	25	the	the	DET
fsr-3723	114	26	findings	finding	NOUN
fsr-3723	114	27	of	of	ADP
fsr-3723	114	28	pierce	pierce	PROPN
fsr-3723	114	29	(	(	PUNCT
fsr-3723	114	30	1977	1977	NUM
fsr-3723	114	31	)	)	PUNCT
fsr-3723	114	32	.	.	PUNCT
fsr-3723	115	1	being	be	AUX
fsr-3723	115	2	black	black	ADJ
fsr-3723	115	3	or	or	CCONJ
fsr-3723	115	4	hispanic	hispanic	ADJ
fsr-3723	115	5	increases	increase	VERB
fsr-3723	115	6	the	the	DET
fsr-3723	115	7	probability	probability	NOUN
fsr-3723	115	8	of	of	ADP
fsr-3723	115	9	money	money	NOUN
fsr-3723	115	10	order	order	NOUN
fsr-3723	115	11	use	use	NOUN
fsr-3723	115	12	.	.	PUNCT
fsr-3723	116	1	moreover	moreover	ADV
fsr-3723	116	2	,	,	PUNCT
fsr-3723	116	3	the	the	DET
fsr-3723	116	4	results	result	NOUN
fsr-3723	116	5	are	be	AUX
fsr-3723	116	6	remarkably	remarkably	ADV
fsr-3723	116	7	consistent	consistent	ADJ
fsr-3723	116	8	from	from	ADP
fsr-3723	116	9	one	one	NUM
fsr-3723	116	10	sample	sample	NOUN
fsr-3723	116	11	to	to	ADP
fsr-3723	116	12	the	the	DET
fsr-3723	116	13	next	next	ADJ
fsr-3723	116	14	.	.	PUNCT
fsr-3723	117	1	v.	v.	ADP
fsr-3723	117	2	summary	summary	NOUN
fsr-3723	117	3	and	and	CCONJ
fsr-3723	117	4	conclusions	conclusion	NOUN
fsr-3723	117	5	money	money	NOUN
fsr-3723	117	6	orders	order	NOUN
fsr-3723	117	7	are	be	AUX
fsr-3723	117	8	an	an	DET
fsr-3723	117	9	important	important	ADJ
fsr-3723	117	10	and	and	CCONJ
fsr-3723	117	11	sizable	sizable	ADJ
fsr-3723	117	12	portion	portion	NOUN
fsr-3723	117	13	of	of	ADP
fsr-3723	117	14	the	the	DET
fsr-3723	117	15	united	united	PROPN
fsr-3723	117	16	states	states	PROPN
fsr-3723	117	17	payments	payment	NOUN
fsr-3723	117	18	system	system	NOUN
fsr-3723	117	19	.	.	PUNCT
fsr-3723	118	1	the	the	DET
fsr-3723	118	2	results	result	NOUN
fsr-3723	118	3	of	of	ADP
fsr-3723	118	4	this	this	DET
fsr-3723	118	5	study	study	NOUN
fsr-3723	118	6	,	,	PUNCT
fsr-3723	118	7	utilizing	utilize	VERB
fsr-3723	118	8	two	two	NUM
fsr-3723	118	9	large	large	ADJ
fsr-3723	118	10	national	national	ADJ
fsr-3723	118	11	samples	sample	NOUN
fsr-3723	118	12	,	,	PUNCT
fsr-3723	118	13	indicate	indicate	VERB
fsr-3723	118	14	that	that	SCONJ
fsr-3723	118	15	money	money	NOUN
fsr-3723	118	16	orders	order	NOUN
fsr-3723	118	17	are	be	AUX
fsr-3723	118	18	clearly	clearly	ADV
fsr-3723	118	19	an	an	DET
fsr-3723	118	20	inferior	inferior	ADJ
fsr-3723	118	21	good	good	NOUN
fsr-3723	118	22	which	which	PRON
fsr-3723	118	23	have	have	VERB
fsr-3723	118	24	a	a	DET
fsr-3723	118	25	higher	high	ADJ
fsr-3723	118	26	probability	probability	NOUN
fsr-3723	118	27	of	of	ADP
fsr-3723	118	28	being	be	AUX
fsr-3723	118	29	purchased	purchase	VERB
fsr-3723	118	30	by	by	ADP
fsr-3723	118	31	a	a	DET
fsr-3723	118	32	low	low	ADJ
fsr-3723	118	33	income	income	NOUN
fsr-3723	118	34	,	,	PUNCT
fsr-3723	118	35	young	young	ADJ
fsr-3723	118	36	ethnic	ethnic	ADJ
fsr-3723	118	37	minority	minority	NOUN
fsr-3723	118	38	.	.	PUNCT
fsr-3723	119	1	money	money	NOUN
fsr-3723	119	2	orders	order	VERB
fsr-3723	119	3	81	81	NUM
fsr-3723	119	4	note	note	NOUN
fsr-3723	119	5	1	1	NUM
fsr-3723	119	6	.	.	X
fsr-3723	120	1	for	for	ADP
fsr-3723	120	2	additional	additional	ADJ
fsr-3723	120	3	discussion	discussion	NOUN
fsr-3723	120	4	of	of	ADP
fsr-3723	120	5	the	the	DET
fsr-3723	120	6	money	money	NOUN
fsr-3723	120	7	order	order	NOUN
fsr-3723	120	8	industry	industry	NOUN
fsr-3723	120	9	,	,	PUNCT
fsr-3723	120	10	see	see	VERB
fsr-3723	120	11	gonzalez	gonzalez	PROPN
fsr-3723	120	12	and	and	CCONJ
fsr-3723	120	13	caron	caron	PROPN
fsr-3723	120	14	(	(	PUNCT
fsr-3723	120	15	1977	1977	NUM
fsr-3723	120	16	)	)	PUNCT
fsr-3723	120	17	.	.	PUNCT
fsr-3723	121	1	rjwerences	rjwerence	NOUN
fsr-3723	121	2	avery	avery	PROPN
fsr-3723	121	3	,	,	PUNCT
fsr-3723	121	4	robert	robert	PROPN
fsr-3723	121	5	b.	b.	PROPN
fsr-3723	121	6	,	,	PUNCT
fsr-3723	121	7	gregory	gregory	PROPN
fsr-3723	121	8	e.	e.	PROPN
fsr-3723	121	9	elliehausen	elliehausen	PROPN
fsr-3723	121	10	,	,	PUNCT
fsr-3723	121	11	arthur	arthur	PROPN
fsr-3723	121	12	b.	b.	PROPN
fsr-3723	121	13	kennickell	kennickell	PROPN
fsr-3723	121	14	,	,	PUNCT
fsr-3723	121	15	and	and	CCONJ
fsr-3723	121	16	paul	paul	PROPN
fsr-3723	121	17	a.	a.	PROPN
fsr-3723	121	18	spindt	spindt	PROPN
fsr-3723	121	19	.	.	PUNCT
fsr-3723	122	1	1986	1986	NUM
fsr-3723	122	2	.	.	PUNCT
fsr-3723	123	1	“	"	PUNCT
fsr-3723	123	2	the	the	DET
fsr-3723	123	3	use	use	NOUN
fsr-3723	123	4	of	of	ADP
fsr-3723	123	5	cash	cash	NOUN
fsr-3723	123	6	and	and	CCONJ
fsr-3723	123	7	transaction	transaction	NOUN
fsr-3723	123	8	accounts	account	NOUN
fsr-3723	123	9	by	by	ADP
fsr-3723	123	10	american	american	ADJ
fsr-3723	123	11	families	family	NOUN
fsr-3723	123	12	.	.	PUNCT
fsr-3723	123	13	”	"	PUNCT
fsr-3723	123	14	federal	federal	PROPN
fsr-3723	123	15	reserve	reserve	PROPN
fsr-3723	123	16	bulletin	bulletin	PROPN
fsr-3723	123	17	,	,	PUNCT
fsr-3723	123	18	87	87	NUM
fsr-3723	123	19	-	-	SYM
fsr-3723	123	20	108	108	NUM
fsr-3723	123	21	.	.	PUNCT
fsr-3723	124	1	avery	avery	PROPN
fsr-3723	124	2	,	,	PUNCT
fsr-3723	124	3	robert	robert	PROPN
fsr-3723	124	4	b.	b.	PROPN
fsr-3723	124	5	,	,	PUNCT
fsr-3723	124	6	gregory	gregory	PROPN
fsr-3723	124	7	e.	e.	PROPN
fsr-3723	124	8	elliehausen	elliehausen	PROPN
fsr-3723	124	9	,	,	PUNCT
fsr-3723	124	10	arthur	arthur	PROPN
fsr-3723	124	11	b.	b.	PROPN
fsr-3723	124	12	kennickell	kennickell	PROPN
fsr-3723	124	13	,	,	PUNCT
fsr-3723	124	14	and	and	CCONJ
fsr-3723	124	15	paul	paul	PROPN
fsr-3723	124	16	a.	a.	PROPN
fsr-3723	124	17	spindt	spindt	PROPN
fsr-3723	124	18	.	.	PUNCT
fsr-3723	124	19	1987	1987	NUM
fsr-3723	124	20	.	.	PUNCT
fsr-3723	125	1	“	"	PUNCT
fsr-3723	125	2	changes	change	NOUN
fsr-3723	125	3	in	in	ADP
fsr-3723	125	4	the	the	DET
fsr-3723	125	5	use	use	NOUN
fsr-3723	125	6	of	of	ADP
fsr-3723	125	7	transaction	transaction	NOUN
fsr-3723	125	8	accounts	account	NOUN
fsr-3723	125	9	and	and	CCONJ
fsr-3723	125	10	cash	cash	NOUN
fsr-3723	125	11	from	from	ADP
fsr-3723	125	12	1984	1984	NUM
fsr-3723	125	13	to	to	ADP
fsr-3723	125	14	1986	1986	NUM
fsr-3723	125	15	,	,	PUNCT
fsr-3723	125	16	”	"	PUNCT
fsr-3723	125	17	federal	federal	PROPN
fsr-3723	125	18	reserve	reserve	PROPN
fsr-3723	125	19	bulletin	bulletin	PROPN
fsr-3723	125	20	,	,	PUNCT
fsr-3723	125	21	179	179	NUM
fsr-3723	125	22	-	-	SYM
fsr-3723	125	23	196	196	NUM
fsr-3723	125	24	.	.	PUNCT
fsr-3723	126	1	bucher	bucher	PROPN
fsr-3723	126	2	,	,	PUNCT
fsr-3723	126	3	jeffrey	jeffrey	PROPN
fsr-3723	126	4	.	.	PUNCT
fsr-3723	126	5	m.	m.	NOUN
fsr-3723	126	6	,	,	PUNCT
fsr-3723	126	7	and	and	CCONJ
fsr-3723	126	8	gail	gail	PROPN
fsr-3723	126	9	ruffin	ruffin	PROPN
fsr-3723	126	10	-	-	PUNCT
fsr-3723	126	11	cruz	cruz	PROPN
fsr-3723	126	12	.	.	PUNCT
fsr-3723	127	1	1977	1977	NUM
fsr-3723	127	2	.	.	PUNCT
fsr-3723	128	1	“	"	PUNCT
fsr-3723	128	2	federal	federal	ADJ
fsr-3723	128	3	approaches	approach	NOUN
fsr-3723	128	4	to	to	ADP
fsr-3723	128	5	regulation	regulation	NOUN
fsr-3723	128	6	of	of	ADP
fsr-3723	128	7	money	money	NOUN
fsr-3723	128	8	orders	order	NOUN
fsr-3723	128	9	and	and	CCONJ
fsr-3723	128	10	traveler	traveler	NOUN
fsr-3723	128	11	’s	’s	PART
fsr-3723	128	12	checks	check	NOUN
fsr-3723	128	13	,	,	PUNCT
fsr-3723	128	14	”	"	PUNCT
fsr-3723	128	15	symposium	symposium	NOUN
fsr-3723	128	16	on	on	ADP
fsr-3723	128	17	money	money	NOUN
fsr-3723	128	18	orders	order	NOUN
fsr-3723	128	19	and	and	CCONJ
fsr-3723	128	20	traveler	traveler	NOUN
fsr-3723	128	21	’s	’s	PART
fsr-3723	128	22	checks	check	NOUN
fsr-3723	128	23	,	,	PUNCT
fsr-3723	128	24	san	san	PROPN
fsr-3723	128	25	francisco	francisco	PROPN
fsr-3723	128	26	:	:	PUNCT
fsr-3723	128	27	california	california	PROPN
fsr-3723	128	28	state	state	PROPN
fsr-3723	128	29	banking	banking	PROPN
fsr-3723	128	30	department	department	PROPN
fsr-3723	128	31	.	.	PUNCT
fsr-3723	129	1	carrig	carrig	PROPN
fsr-3723	129	2	,	,	PUNCT
fsr-3723	129	3	james	james	PROPN
fsr-3723	129	4	f.	f.	PROPN
fsr-3723	129	5	,	,	PUNCT
fsr-3723	129	6	and	and	CCONJ
fsr-3723	129	7	joseph	joseph	PROPN
fsr-3723	129	8	w.	w.	PROPN
fsr-3723	129	9	russell	russell	PROPN
fsr-3723	129	10	.	.	PUNCT
fsr-3723	130	1	1977	1977	NUM
fsr-3723	130	2	.	.	PUNCT
fsr-3723	131	1	“	"	PUNCT
fsr-3723	131	2	regulation	regulation	NOUN
fsr-3723	131	3	of	of	ADP
fsr-3723	131	4	issuers	issuer	NOUN
fsr-3723	131	5	of	of	ADP
fsr-3723	131	6	money	money	NOUN
fsr-3723	131	7	orders	order	NOUN
fsr-3723	131	8	andtraveler	andtraveler	PROPN
fsr-3723	131	9	’s	’s	PART
fsr-3723	131	10	checks	check	NOUN
fsr-3723	131	11	,	,	PUNCT
fsr-3723	131	12	”	"	PUNCT
fsr-3723	131	13	symposium	symposium	NOUN
fsr-3723	131	14	on	on	ADP
fsr-3723	131	15	money	money	NOUN
fsr-3723	131	16	orders	order	NOUN
fsr-3723	131	17	and	and	CCONJ
fsr-3723	131	18	traveler	traveler	NOUN
fsr-3723	131	19	’s	’s	PART
fsr-3723	131	20	checks	check	NOUN
fsr-3723	131	21	,	,	PUNCT
fsr-3723	131	22	san	san	PROPN
fsr-3723	131	23	francisco	francisco	PROPN
fsr-3723	131	24	:	:	PUNCT
fsr-3723	131	25	california	california	PROPN
fsr-3723	131	26	state	state	PROPN
fsr-3723	131	27	banking	banking	PROPN
fsr-3723	131	28	department	department	PROPN
fsr-3723	131	29	.	.	PUNCT
fsr-3723	132	1	gonzalez	gonzalez	PROPN
fsr-3723	132	2	,	,	PUNCT
fsr-3723	132	3	gisela	gisela	PROPN
fsr-3723	132	4	a.	a.	PROPN
fsr-3723	132	5	,	,	PUNCT
fsr-3723	132	6	and	and	CCONJ
fsr-3723	132	7	susan	susan	PROPN
fsr-3723	132	8	t.	t.	PROPN
fsr-3723	132	9	caron	caron	PROPN
fsr-3723	132	10	.	.	PROPN
fsr-3723	132	11	1977	1977	NUM
fsr-3723	132	12	.	.	PUNCT
fsr-3723	133	1	‘	'	PUNCT
fsr-3723	133	2	the	the	DET
fsr-3723	133	3	structure	structure	NOUN
fsr-3723	133	4	of	of	ADP
fsr-3723	133	5	the	the	DET
fsr-3723	133	6	money	money	NOUN
fsr-3723	133	7	order	order	NOUN
fsr-3723	133	8	industry	industry	NOUN
fsr-3723	133	9	,	,	PUNCT
fsr-3723	133	10	”	"	PUNCT
fsr-3723	133	11	fdic	fdic	PROPN
fsr-3723	133	12	working	working	PROPN
fsr-3723	133	13	paper	paper	PROPN
fsr-3723	133	14	no	no	INTJ
fsr-3723	133	15	.	.	PROPN
fsr-3723	134	1	77	77	NUM
fsr-3723	134	2	-	-	SYM
fsr-3723	134	3	5	5	NUM
fsr-3723	134	4	,	,	PUNCT
fsr-3723	134	5	washington	washington	PROPN
fsr-3723	134	6	,	,	PUNCT
fsr-3723	134	7	dc	dc	PROPN
fsr-3723	134	8	.	.	PUNCT
fsr-3723	134	9	:	:	PUNCT
fsr-3723	135	1	federal	federal	ADJ
fsr-3723	135	2	deposit	deposit	NOUN
fsr-3723	135	3	insurance	insurance	NOUN
fsr-3723	135	4	corporation	corporation	NOUN
fsr-3723	135	5	.	.	PUNCT
fsr-3723	136	1	horvitz	horvitz	PROPN
fsr-3723	136	2	,	,	PUNCT
fsr-3723	136	3	paul	paul	PROPN
fsr-3723	136	4	m.	m.	PROPN
fsr-3723	136	5	,	,	PUNCT
fsr-3723	136	6	and	and	CCONJ
fsr-3723	136	7	charles	charles	PROPN
fsr-3723	136	8	p.	p.	PROPN
fsr-3723	136	9	harper	harper	PROPN
fsr-3723	136	10	.	.	PUNCT
fsr-3723	137	1	1980	1980	NUM
fsr-3723	137	2	.	.	PUNCT
fsr-3723	138	1	‘	'	PUNCT
fsr-3723	138	2	the	the	DET
fsr-3723	138	3	regulation	regulation	NOUN
fsr-3723	138	4	of	of	ADP
fsr-3723	138	5	the	the	DET
fsr-3723	138	6	money	money	NOUN
fsr-3723	138	7	order	order	NOUN
fsr-3723	138	8	industry	industry	NOUN
fsr-3723	138	9	,	,	PUNCT
fsr-3723	138	10	”	"	PUNCT
fsr-3723	138	11	financial	financial	ADJ
fsr-3723	138	12	management	management	NOUN
fsr-3723	138	13	,	,	PUNCT
fsr-3723	138	14	9	9	NUM
fsr-3723	138	15	,	,	PUNCT
fsr-3723	138	16	13	13	NUM
fsr-3723	138	17	-	-	SYM
fsr-3723	138	18	20	20	NUM
fsr-3723	138	19	.	.	PUNCT
fsr-3723	139	1	penzer	penzer	PROPN
fsr-3723	139	2	,	,	PUNCT
fsr-3723	139	3	michael	michael	PROPN
fsr-3723	139	4	l.	l.	PROPN
fsr-3723	139	5	1977	1977	NUM
fsr-3723	139	6	.	.	PUNCT
fsr-3723	140	1	“	"	PUNCT
fsr-3723	140	2	the	the	DET
fsr-3723	140	3	nature	nature	NOUN
fsr-3723	140	4	and	and	CCONJ
fsr-3723	140	5	size	size	NOUN
fsr-3723	140	6	of	of	ADP
fsr-3723	140	7	money	money	NOUN
fsr-3723	140	8	order	order	NOUN
fsr-3723	140	9	and	and	CCONJ
fsr-3723	140	10	traveler	traveler	NOUN
fsr-3723	140	11	’s	’s	PART
fsr-3723	140	12	check	check	NOUN
fsr-3723	140	13	markets	market	NOUN
fsr-3723	140	14	in	in	ADP
fsr-3723	140	15	california	california	PROPN
fsr-3723	140	16	and	and	CCONJ
fsr-3723	140	17	the	the	DET
fsr-3723	140	18	nation	nation	NOUN
fsr-3723	140	19	,	,	PUNCT
fsr-3723	140	20	”	"	PUNCT
fsr-3723	140	21	symposium	symposium	NOUN
fsr-3723	140	22	on	on	ADP
fsr-3723	140	23	money	money	NOUN
fsr-3723	140	24	orders	order	NOUN
fsr-3723	140	25	and	and	CCONJ
fsr-3723	140	26	traveler	traveler	NOUN
fsr-3723	140	27	’s	’s	PART
fsr-3723	140	28	checks	check	NOUN
fsr-3723	140	29	,	,	PUNCT
fsr-3723	140	30	san	san	PROPN
fsr-3723	140	31	francisco	francisco	PROPN
fsr-3723	140	32	:	:	PUNCT
fsr-3723	140	33	california	california	PROPN
fsr-3723	140	34	state	state	PROPN
fsr-3723	140	35	banking	banking	PROPN
fsr-3723	140	36	department	department	PROPN
fsr-3723	140	37	.	.	PUNCT
fsr-3723	141	1	pierce	pierce	PROPN
fsr-3723	141	2	,	,	PUNCT
fsr-3723	141	3	james	james	PROPN
fsr-3723	141	4	l.	l.	PROPN
fsr-3723	141	5	,	,	PUNCT
fsr-3723	141	6	1977	1977	NUM
fsr-3723	141	7	,	,	PUNCT
fsr-3723	141	8	‘	'	PUNCT
fsr-3723	141	9	the	the	DET
fsr-3723	141	10	users	user	NOUN
fsr-3723	141	11	of	of	ADP
fsr-3723	141	12	money	money	NOUN
fsr-3723	141	13	orders	order	NOUN
fsr-3723	141	14	,	,	PUNCT
fsr-3723	141	15	”	"	PUNCT
fsr-3723	141	16	symposium	symposium	NOUN
fsr-3723	141	17	on	on	ADP
fsr-3723	141	18	money	money	NOUN
fsr-3723	141	19	orders	order	NOUN
fsr-3723	141	20	and	and	CCONJ
fsr-3723	141	21	travelers	traveler	NOUN
fsr-3723	141	22	checks	check	NOUN
fsr-3723	141	23	,	,	PUNCT
fsr-3723	141	24	san	san	PROPN
fsr-3723	141	25	francisco	francisco	PROPN
fsr-3723	141	26	:	:	PUNCT
fsr-3723	141	27	california	california	PROPN
fsr-3723	141	28	state	state	PROPN
fsr-3723	141	29	banking	banking	PROPN
fsr-3723	141	30	department	department	PROPN
fsr-3723	141	31	.	.	PUNCT