id	sid	tid	token	lemma	pos
fsr-3776	1	1	pii	pii	PROPN
fsr-3776	1	2	:	:	PUNCT
fsr-3776	1	3	1057	1057	NUM
fsr-3776	1	4	-	-	SYM
fsr-3776	1	5	0810(95)90006	0810(95)90006	NUM
fsr-3776	1	6	-	-	PUNCT
fsr-3776	1	7	3	3	NUM
fsr-3776	1	8	financial	financial	ADJ
fsr-3776	1	9	services	service	NOUN
fsr-3776	1	10	review	review	NOUN
fsr-3776	1	11	,	,	PUNCT
fsr-3776	1	12	4(2	4(2	NUM
fsr-3776	1	13	):	):	PUNCT
fsr-3776	1	14	109	109	NUM
fsr-3776	1	15	-	-	SYM
fsr-3776	1	16	122	122	NUM
fsr-3776	1	17	copyright	copyright	NOUN
fsr-3776	1	18	0	0	NUM
fsr-3776	1	19	1995	1995	NUM
fsr-3776	1	20	by	by	ADP
fsr-3776	1	21	jai	jai	PROPN
fsr-3776	1	22	press	press	PROPN
fsr-3776	1	23	inc	inc	PROPN
fsr-3776	1	24	.	.	PROPN
fsr-3776	1	25	issn	issn	PROPN
fsr-3776	1	26	:	:	PUNCT
fsr-3776	1	27	1057	1057	NUM
fsr-3776	1	28	-	-	SYM
fsr-3776	1	29	0810	0810	NUM
fsr-3776	1	30	all	all	DET
fsr-3776	1	31	rights	right	NOUN
fsr-3776	1	32	of	of	ADP
fsr-3776	1	33	reproduction	reproduction	NOUN
fsr-3776	1	34	in	in	ADP
fsr-3776	1	35	any	any	DET
fsr-3776	1	36	form	form	NOUN
fsr-3776	1	37	reserved	reserve	VERB
fsr-3776	1	38	.	.	PUNCT
fsr-3776	2	1	the	the	DET
fsr-3776	2	2	market	market	NOUN
fsr-3776	2	3	pricing	pricing	NOUN
fsr-3776	2	4	of	of	ADP
fsr-3776	2	5	disability	disability	NOUN
fsr-3776	2	6	income	income	NOUN
fsr-3776	2	7	insurance	insurance	NOUN
fsr-3776	2	8	for	for	ADP
fsr-3776	2	9	individuals	individual	NOUN
fsr-3776	2	10	larry	larry	PROPN
fsr-3776	2	11	a.	a.	PROPN
fsr-3776	2	12	cox	cox	PROPN
fsr-3776	2	13	sandra	sandra	PROPN
fsr-3776	2	14	g.	g.	PROPN
fsr-3776	2	15	gustavson	gustavson	PROPN
fsr-3776	2	16	individuals	individual	NOUN
fsr-3776	2	17	’	'	PUNCT
fsr-3776	2	18	needs	need	VERB
fsr-3776	2	19	for	for	ADP
fsr-3776	2	20	disability	disability	NOUN
fsr-3776	2	21	income	income	NOUN
fsr-3776	2	22	insurance	insurance	NOUN
fsr-3776	2	23	dominate	dominate	VERB
fsr-3776	2	24	those	those	PRON
fsr-3776	2	25	for	for	ADP
fsr-3776	2	26	life	life	NOUN
fsr-3776	2	27	insurance	insurance	NOUN
fsr-3776	2	28	,	,	PUNCT
fsr-3776	2	29	yet	yet	CCONJ
fsr-3776	2	30	relativelyfew	relativelyfew	ADJ
fsr-3776	2	31	buyersandsellersenterintodisabilitycontractscomparedtolifecontracts	buyersandsellersenterintodisabilitycontractscomparedtolifecontract	NOUN
fsr-3776	2	32	.	.	PUNCT
fsr-3776	3	1	this	this	DET
fsr-3776	3	2	phenomenon	phenomenon	NOUN
fsr-3776	3	3	appears	appear	VERB
fsr-3776	3	4	contradictory	contradictory	ADJ
fsr-3776	3	5	to	to	ADP
fsr-3776	3	6	the	the	DET
fsr-3776	3	7	existence	existence	NOUN
fsr-3776	3	8	of	of	ADP
fsr-3776	3	9	a	a	DET
fsr-3776	3	10	workably	workably	ADV
fsr-3776	3	11	competitive	competitive	ADJ
fsr-3776	3	12	market	market	NOUN
fsr-3776	3	13	.	.	PUNCT
fsr-3776	4	1	this	this	DET
fsr-3776	4	2	study	study	NOUN
fsr-3776	4	3	examines	examine	VERB
fsr-3776	4	4	the	the	DET
fsr-3776	4	5	relation	relation	NOUN
fsr-3776	4	6	of	of	ADP
fsr-3776	4	7	disability	disability	NOUN
fsr-3776	4	8	income	income	NOUN
fsr-3776	4	9	insurance	insurance	NOUN
fsr-3776	4	10	prices	price	NOUN
fsr-3776	4	11	to	to	ADP
fsr-3776	4	12	underlying	underlie	VERB
fsr-3776	4	13	contractual	contractual	ADJ
fsr-3776	4	14	and	and	CCONJ
fsr-3776	4	15	insurer	insurer	NOUN
fsr-3776	4	16	characteristics	characteristic	NOUN
fsr-3776	4	17	.	.	PUNCT
fsr-3776	5	1	our	our	PRON
fsr-3776	5	2	results	result	NOUN
fsr-3776	5	3	are	be	AUX
fsr-3776	5	4	supportive	supportive	ADJ
fsr-3776	5	5	of	of	ADP
fsr-3776	5	6	a	a	DET
fsr-3776	5	7	competitive	competitive	ADJ
fsr-3776	5	8	market	market	NOUN
fsr-3776	5	9	scenario	scenario	NOUN
fsr-3776	5	10	.	.	PUNCT
fsr-3776	6	1	we	we	PRON
fsr-3776	6	2	observe	observe	VERB
fsr-3776	6	3	a	a	DET
fsr-3776	6	4	strong	strong	ADJ
fsr-3776	6	5	relation	relation	NOUN
fsr-3776	6	6	between	between	ADP
fsr-3776	6	7	prices	price	NOUN
fsr-3776	6	8	and	and	CCONJ
fsr-3776	6	9	elimina	elimina	PROPN
fsr-3776	6	10	tion	tion	PROPN
fsr-3776	6	11	periods	period	NOUN
fsr-3776	6	12	,	,	PUNCT
fsr-3776	6	13	which	which	PRON
fsr-3776	6	14	is	be	AUX
fsr-3776	6	15	consistent	consistent	ADJ
fsr-3776	6	16	with	with	ADP
fsr-3776	6	17	the	the	DET
fsr-3776	6	18	presence	presence	NOUN
fsr-3776	6	19	of	of	ADP
fsr-3776	6	20	adverse	adverse	ADJ
fsr-3776	6	21	selection	selection	NOUN
fsr-3776	6	22	.	.	PUNCT
fsr-3776	7	1	our	our	PRON
fsr-3776	7	2	results	result	NOUN
fsr-3776	7	3	have	have	VERB
fsr-3776	7	4	implications	implication	NOUN
fsr-3776	7	5	for	for	ADP
fsr-3776	7	6	how	how	SCONJ
fsr-3776	7	7	individuals	individual	NOUN
fsr-3776	7	8	should	should	AUX
fsr-3776	7	9	choose	choose	VERB
fsr-3776	7	10	some	some	DET
fsr-3776	7	11	policy	policy	NOUN
fsr-3776	7	12	and	and	CCONJ
fsr-3776	7	13	insurer	insurer	NOUN
fsr-3776	7	14	characteristics	characteristic	NOUN
fsr-3776	7	15	,	,	PUNCT
fsr-3776	7	16	but	but	CCONJ
fsr-3776	7	17	they	they	PRON
fsr-3776	7	18	also	also	ADV
fsr-3776	7	19	suggest	suggest	VERB
fsr-3776	7	20	that	that	SCONJ
fsr-3776	7	21	buyers	buyer	NOUN
fsr-3776	7	22	may	may	AUX
fsr-3776	7	23	need	need	VERB
fsr-3776	7	24	to	to	PART
fsr-3776	7	25	be	be	AUX
fsr-3776	7	26	better	well	ADV
fsr-3776	7	27	informed	inform	VERB
fsr-3776	7	28	about	about	ADP
fsr-3776	7	29	other	other	ADJ
fsr-3776	7	30	pricing	pricing	NOUN
fsr-3776	7	31	factors	factor	NOUN
fsr-3776	7	32	.	.	PUNCT
fsr-3776	8	1	i.	i.	NOUN
fsr-3776	8	2	introduction	introduction	NOUN
fsr-3776	8	3	based	base	VERB
fsr-3776	8	4	on	on	ADP
fsr-3776	8	5	actuarially	actuarially	ADV
fsr-3776	8	6	expected	expect	VERB
fsr-3776	8	7	losses	loss	NOUN
fsr-3776	8	8	,	,	PUNCT
fsr-3776	8	9	individuals	individual	NOUN
fsr-3776	8	10	’	'	PUNCT
fsr-3776	8	11	needs	need	NOUN
fsr-3776	8	12	for	for	ADP
fsr-3776	8	13	disability	disability	NOUN
fsr-3776	8	14	income	income	NOUN
fsr-3776	8	15	insurance	insurance	NOUN
fsr-3776	8	16	(	(	PUNCT
fsr-3776	8	17	dii	dii	NOUN
fsr-3776	8	18	)	)	PUNCT
fsr-3776	8	19	dominate	dominate	VERB
fsr-3776	8	20	those	those	PRON
fsr-3776	8	21	for	for	ADP
fsr-3776	8	22	life	life	NOUN
fsr-3776	8	23	insurance	insurance	NOUN
fsr-3776	8	24	at	at	ADP
fsr-3776	8	25	all	all	DET
fsr-3776	8	26	ages	age	NOUN
fsr-3776	8	27	of	of	ADP
fsr-3776	8	28	their	their	PRON
fsr-3776	8	29	working	work	VERB
fsr-3776	8	30	lifetimes	lifetime	NOUN
fsr-3776	8	31	(	(	PUNCT
fsr-3776	8	32	cox	cox	PROPN
fsr-3776	8	33	,	,	PUNCT
fsr-3776	8	34	gustavson	gustavson	PROPN
fsr-3776	8	35	,	,	PUNCT
fsr-3776	8	36	&	&	CCONJ
fsr-3776	8	37	stam	stam	VERB
fsr-3776	8	38	,	,	PUNCT
fsr-3776	8	39	1991	1991	NUM
fsr-3776	8	40	)	)	PUNCT
fsr-3776	8	41	.	.	PUNCT
fsr-3776	9	1	despite	despite	SCONJ
fsr-3776	9	2	such	such	ADJ
fsr-3776	9	3	evidence	evidence	NOUN
fsr-3776	9	4	,	,	PUNCT
fsr-3776	9	5	relatively	relatively	ADV
fsr-3776	9	6	few	few	ADJ
fsr-3776	9	7	insurers	insurer	NOUN
fsr-3776	9	8	offer	offer	VERB
fsr-3776	9	9	individual	individual	ADJ
fsr-3776	9	10	dii	dii	PROPN
fsr-3776	9	11	(	(	PUNCT
fsr-3776	9	12	limra	limra	NOUN
fsr-3776	9	13	,	,	PUNCT
fsr-3776	9	14	1989	1989	NUM
fsr-3776	9	15	)	)	PUNCT
fsr-3776	9	16	and	and	CCONJ
fsr-3776	9	17	only	only	ADV
fsr-3776	9	18	a	a	DET
fsr-3776	9	19	small	small	ADJ
fsr-3776	9	20	percentage	percentage	NOUN
fsr-3776	9	21	of	of	ADP
fsr-3776	9	22	consumers	consumer	NOUN
fsr-3776	9	23	purchases	purchase	VERB
fsr-3776	9	24	it	it	PRON
fsr-3776	9	25	(	(	PUNCT
fsr-3776	9	26	cox	cox	PROPN
fsr-3776	9	27	,	,	PUNCT
fsr-3776	9	28	1991	1991	NUM
fsr-3776	9	29	)	)	PUNCT
fsr-3776	9	30	.	.	PUNCT
fsr-3776	10	1	low	low	ADJ
fsr-3776	10	2	purchase	purchase	NOUN
fsr-3776	10	3	rates	rate	NOUN
fsr-3776	10	4	for	for	ADP
fsr-3776	10	5	dii	dii	NOUN
fsr-3776	10	6	can	can	AUX
fsr-3776	10	7	appear	appear	VERB
fsr-3776	10	8	to	to	PART
fsr-3776	10	9	be	be	AUX
fsr-3776	10	10	inconsistent	inconsistent	ADJ
fsr-3776	10	11	with	with	ADP
fsr-3776	10	12	a	a	DET
fsr-3776	10	13	competitive	competitive	ADJ
fsr-3776	10	14	market	market	NOUN
fsr-3776	10	15	environment	environment	NOUN
fsr-3776	10	16	,	,	PUNCT
fsr-3776	10	17	but	but	CCONJ
fsr-3776	10	18	direct	direct	ADJ
fsr-3776	10	19	scrutiny	scrutiny	NOUN
fsr-3776	10	20	of	of	ADP
fsr-3776	10	21	the	the	DET
fsr-3776	10	22	market	market	NOUN
fsr-3776	10	23	for	for	ADP
fsr-3776	10	24	individual	individual	ADJ
fsr-3776	10	25	dii	dii	NOUN
fsr-3776	10	26	reveals	reveal	VERB
fsr-3776	10	27	many	many	ADJ
fsr-3776	10	28	aspects	aspect	NOUN
fsr-3776	10	29	of	of	ADP
fsr-3776	10	30	a	a	DET
fsr-3776	10	31	workably	workably	ADV
fsr-3776	10	32	competitive	competitive	ADJ
fsr-3776	10	33	environment	environment	NOUN
fsr-3776	10	34	-	-	PUNCT
fsr-3776	10	35	similar	similar	ADJ
fsr-3776	10	36	to	to	ADP
fsr-3776	10	37	those	those	PRON
fsr-3776	10	38	observed	observe	VERB
fsr-3776	10	39	in	in	ADP
fsr-3776	10	40	life	life	NOUN
fsr-3776	10	41	insurance	insurance	NOUN
fsr-3776	10	42	markets	market	NOUN
fsr-3776	10	43	(	(	PUNCT
fsr-3776	10	44	pritchett	pritchett	PROPN
fsr-3776	10	45	&	&	CCONJ
fsr-3776	10	46	wilder	wilder	PROPN
fsr-3776	10	47	,	,	PUNCT
fsr-3776	10	48	1986	1986	NUM
fsr-3776	10	49	)	)	PUNCT
fsr-3776	10	50	.	.	PUNCT
fsr-3776	11	1	for	for	ADP
fsr-3776	11	2	example	example	NOUN
fsr-3776	11	3	,	,	PUNCT
fsr-3776	11	4	no	no	DET
fsr-3776	11	5	product	product	NOUN
fsr-3776	11	6	suppliers	supplier	NOUN
fsr-3776	11	7	have	have	AUX
fsr-3776	11	8	dominated	dominate	VERB
fsr-3776	11	9	historically	historically	ADV
fsr-3776	11	10	with	with	ADP
fsr-3776	11	11	respect	respect	NOUN
fsr-3776	11	12	to	to	ADP
fsr-3776	11	13	market	market	NOUN
fsr-3776	11	14	share	share	NOUN
fsr-3776	11	15	or	or	CCONJ
fsr-3776	11	16	price	price	NOUN
fsr-3776	11	17	leadership	leadership	NOUN
fsr-3776	11	18	.	.	PUNCT
fsr-3776	11	19	’	'	PUNCT
fsr-3776	12	1	also	also	ADV
fsr-3776	12	2	,	,	PUNCT
fsr-3776	12	3	barriers	barrier	NOUN
fsr-3776	12	4	to	to	ADP
fsr-3776	12	5	entry	entry	NOUN
fsr-3776	12	6	and	and	CCONJ
fsr-3776	12	7	exit	exit	NOUN
fsr-3776	12	8	are	be	AUX
fsr-3776	12	9	not	not	PART
fsr-3776	12	10	substantial	substantial	ADJ
fsr-3776	12	11	and	and	CCONJ
fsr-3776	12	12	evidence	evidence	NOUN
fsr-3776	12	13	of	of	ADP
fsr-3776	12	14	collusion	collusion	NOUN
fsr-3776	12	15	or	or	CCONJ
fsr-3776	12	16	other	other	ADJ
fsr-3776	12	17	anticompetitive	anticompetitive	ADJ
fsr-3776	12	18	activities	activity	NOUN
fsr-3776	12	19	is	be	AUX
fsr-3776	12	20	not	not	PART
fsr-3776	12	21	apparent	apparent	ADJ
fsr-3776	12	22	.	.	PUNCT
fsr-3776	13	1	further	far	ADV
fsr-3776	13	2	,	,	PUNCT
fsr-3776	13	3	the	the	DET
fsr-3776	13	4	same	same	ADJ
fsr-3776	13	5	regulatory	regulatory	ADJ
fsr-3776	13	6	structure	structure	NOUN
fsr-3776	13	7	applies	apply	VERB
fsr-3776	13	8	to	to	ADP
fsr-3776	13	9	both	both	CCONJ
fsr-3776	13	10	dii	dii	NOUN
fsr-3776	13	11	and	and	CCONJ
fsr-3776	13	12	life	life	NOUN
fsr-3776	13	13	insurance	insurance	NOUN
fsr-3776	13	14	markets	market	NOUN
fsr-3776	13	15	.	.	PUNCT
fsr-3776	14	1	given	give	VERB
fsr-3776	14	2	these	these	DET
fsr-3776	14	3	similarities	similarity	NOUN
fsr-3776	14	4	for	for	ADP
fsr-3776	14	5	both	both	CCONJ
fsr-3776	14	6	market	market	NOUN
fsr-3776	14	7	and	and	CCONJ
fsr-3776	14	8	regulatory	regulatory	ADJ
fsr-3776	14	9	structures	structure	NOUN
fsr-3776	14	10	,	,	PUNCT
fsr-3776	14	11	the	the	DET
fsr-3776	14	12	dii	dii	NOUN
fsr-3776	14	13	and	and	CCONJ
fsr-3776	14	14	life	life	NOUN
fsr-3776	14	15	insurance	insurance	NOUN
fsr-3776	14	16	markets	market	NOUN
fsr-3776	14	17	larry	larry	PROPN
fsr-3776	14	18	a.	a.	PROPN
fsr-3776	14	19	cox	cox	PROPN
fsr-3776	15	1	l	l	PROPN
fsr-3776	16	1	the	the	DET
fsr-3776	16	2	university	university	PROPN
fsr-3776	16	3	of	of	ADP
fsr-3776	16	4	mississippi	mississippi	PROPN
fsr-3776	16	5	,	,	PUNCT
fsr-3776	16	6	department	department	PROPN
fsr-3776	16	7	of	of	ADP
fsr-3776	16	8	economics	economic	NOUN
fsr-3776	16	9	and	and	CCONJ
fsr-3776	16	10	finance	finance	NOUN
fsr-3776	16	11	,	,	PUNCT
fsr-3776	16	12	301	301	NUM
fsr-3776	16	13	conner	conner	PROPN
fsr-3776	16	14	hall	hall	PROPN
fsr-3776	16	15	,	,	PUNCT
fsr-3776	16	16	university	university	NOUN
fsr-3776	16	17	,	,	PUNCT
fsr-3776	16	18	ms	ms	PROPN
fsr-3776	16	19	38677	38677	NUM
fsr-3776	16	20	.	.	PUNCT
fsr-3776	17	1	sandra	sandra	PROPN
fsr-3776	17	2	g.	g.	PROPN
fsr-3776	17	3	gustavson	gustavson	PROPN
fsr-3776	18	1	l	l	PROPN
fsr-3776	19	1	the	the	DET
fsr-3776	19	2	university	university	PROPN
fsr-3776	19	3	of	of	ADP
fsr-3776	19	4	georgia	georgia	PROPN
fsr-3776	19	5	,	,	PUNCT
fsr-3776	19	6	faculty	faculty	NOUN
fsr-3776	19	7	of	of	ADP
fsr-3776	19	8	risk	risk	NOUN
fsr-3776	19	9	management	management	NOUN
fsr-3776	19	10	and	and	CCONJ
fsr-3776	19	11	insurance	insurance	NOUN
fsr-3776	19	12	,	,	PUNCT
fsr-3776	19	13	206	206	NUM
fsr-3776	19	14	brooks	brooks	PROPN
fsr-3776	19	15	hall	hall	PROPN
fsr-3776	19	16	,	,	PUNCT
fsr-3776	19	17	athens	athens	PROPN
fsr-3776	19	18	,	,	PUNCT
fsr-3776	19	19	ga	ga	PROPN
fsr-3776	19	20	30602	30602	NUM
fsr-3776	19	21	-	-	SYM
fsr-3776	19	22	6255	6255	NUM
fsr-3776	19	23	.	.	PUNCT
fsr-3776	20	1	110	110	NUM
fsr-3776	20	2	financial	financial	ADJ
fsr-3776	20	3	services	service	NOUN
fsr-3776	20	4	review	review	NOUN
fsr-3776	20	5	4(2	4(2	NUM
fsr-3776	20	6	)	)	PUNCT
fsr-3776	20	7	1995	1995	NUM
fsr-3776	20	8	should	should	AUX
fsr-3776	20	9	share	share	VERB
fsr-3776	20	10	approximately	approximately	ADV
fsr-3776	20	11	the	the	DET
fsr-3776	20	12	same	same	ADJ
fsr-3776	20	13	universe	universe	NOUN
fsr-3776	20	14	of	of	ADP
fsr-3776	20	15	potential	potential	ADJ
fsr-3776	20	16	buyers	buyer	NOUN
fsr-3776	20	17	and	and	CCONJ
fsr-3776	20	18	sellers	seller	NOUN
fsr-3776	20	19	.	.	PUNCT
fsr-3776	21	1	yet	yet	ADV
fsr-3776	21	2	,	,	PUNCT
fsr-3776	21	3	the	the	DET
fsr-3776	21	4	fact	fact	NOUN
fsr-3776	21	5	remains	remain	VERB
fsr-3776	21	6	that	that	SCONJ
fsr-3776	21	7	life	life	NOUN
fsr-3776	21	8	insurance	insurance	NOUN
fsr-3776	21	9	is	be	AUX
fsr-3776	21	10	widely	widely	ADV
fsr-3776	21	11	purchased	purchase	VERB
fsr-3776	21	12	while	while	SCONJ
fsr-3776	21	13	dii	dii	NOUN
fsr-3776	21	14	is	be	AUX
fsr-3776	21	15	not	not	PART
fsr-3776	21	16	.	.	PUNCT
fsr-3776	22	1	*	*	PUNCT
fsr-3776	22	2	in	in	ADP
fsr-3776	22	3	a	a	DET
fsr-3776	22	4	competitive	competitive	ADJ
fsr-3776	22	5	environment	environment	NOUN
fsr-3776	22	6	,	,	PUNCT
fsr-3776	22	7	we	we	PRON
fsr-3776	22	8	expect	expect	VERB
fsr-3776	22	9	dii	dii	NOUN
fsr-3776	22	10	prices	price	NOUN
fsr-3776	22	11	to	to	PART
fsr-3776	22	12	effectively	effectively	ADV
fsr-3776	22	13	impound	impound	VERB
fsr-3776	22	14	both	both	CCONJ
fsr-3776	22	15	contractual	contractual	ADJ
fsr-3776	22	16	and	and	CCONJ
fsr-3776	22	17	insurer	insurer	NOUN
fsr-3776	22	18	attributes	attribute	NOUN
fsr-3776	22	19	,	,	PUNCT
fsr-3776	22	20	in	in	ADP
fsr-3776	22	21	this	this	DET
fsr-3776	22	22	study	study	NOUN
fsr-3776	22	23	,	,	PUNCT
fsr-3776	22	24	we	we	PRON
fsr-3776	22	25	focus	focus	VERB
fsr-3776	22	26	on	on	ADP
fsr-3776	22	27	the	the	DET
fsr-3776	22	28	general	general	ADJ
fsr-3776	22	29	composition	composition	NOUN
fsr-3776	22	30	and	and	CCONJ
fsr-3776	22	31	strength	strength	NOUN
fsr-3776	22	32	of	of	ADP
fsr-3776	22	33	such	such	ADJ
fsr-3776	22	34	pricing	pricing	NOUN
fsr-3776	22	35	relations	relation	NOUN
fsr-3776	22	36	.	.	PUNCT
fsr-3776	23	1	we	we	PRON
fsr-3776	23	2	use	use	VERB
fsr-3776	23	3	a	a	DET
fsr-3776	23	4	hedonic	hedonic	ADJ
fsr-3776	23	5	pricing	pricing	NOUN
fsr-3776	23	6	model	model	NOUN
fsr-3776	23	7	-	-	PUNCT
fsr-3776	23	8	similar	similar	ADJ
fsr-3776	23	9	to	to	ADP
fsr-3776	23	10	that	that	PRON
fsr-3776	23	11	applied	apply	VERB
fsr-3776	23	12	by	by	ADP
fsr-3776	23	13	walden	walden	PROPN
fsr-3776	23	14	(	(	PUNCT
fsr-3776	23	15	1985	1985	NUM
fsr-3776	23	16	)	)	PUNCT
fsr-3776	23	17	for	for	ADP
fsr-3776	23	18	life	life	NOUN
fsr-3776	23	19	insurance	insurance	NOUN
fsr-3776	23	20	products	product	NOUN
fsr-3776	23	21	-	-	PUNCT
fsr-3776	23	22	to	to	PART
fsr-3776	23	23	determine	determine	VERB
fsr-3776	23	24	the	the	DET
fsr-3776	23	25	strength	strength	NOUN
fsr-3776	23	26	of	of	ADP
fsr-3776	23	27	pricing	pricing	NOUN
fsr-3776	23	28	relations	relation	NOUN
fsr-3776	23	29	and	and	CCONJ
fsr-3776	23	30	to	to	PART
fsr-3776	23	31	estimate	estimate	VERB
fsr-3776	23	32	the	the	DET
fsr-3776	23	33	impact	impact	NOUN
fsr-3776	23	34	of	of	ADP
fsr-3776	23	35	various	various	ADJ
fsr-3776	23	36	contractual	contractual	ADJ
fsr-3776	23	37	provisions	provision	NOUN
fsr-3776	23	38	and	and	CCONJ
fsr-3776	23	39	insurer	insurer	NOUN
fsr-3776	23	40	attributes	attribute	NOUN
fsr-3776	23	41	on	on	ADP
fsr-3776	23	42	dii	dii	NOUN
fsr-3776	23	43	prices	price	NOUN
fsr-3776	23	44	.	.	PUNCT
fsr-3776	24	1	our	our	PRON
fsr-3776	24	2	results	result	NOUN
fsr-3776	24	3	provide	provide	VERB
fsr-3776	24	4	evidence	evidence	NOUN
fsr-3776	24	5	of	of	ADP
fsr-3776	24	6	strong	strong	ADJ
fsr-3776	24	7	relations	relation	NOUN
fsr-3776	24	8	for	for	ADP
fsr-3776	24	9	some	some	PRON
fsr-3776	24	10	of	of	ADP
fsr-3776	24	11	these	these	DET
fsr-3776	24	12	underlying	underlie	VERB
fsr-3776	24	13	characteristics	characteristic	NOUN
fsr-3776	24	14	.	.	PUNCT
fsr-3776	25	1	throughout	throughout	ADP
fsr-3776	25	2	our	our	PRON
fsr-3776	25	3	analysis	analysis	NOUN
fsr-3776	25	4	,	,	PUNCT
fsr-3776	25	5	we	we	PRON
fsr-3776	25	6	emphasize	emphasize	VERB
fsr-3776	25	7	the	the	DET
fsr-3776	25	8	expected	expect	VERB
fsr-3776	25	9	impact	impact	NOUN
fsr-3776	25	10	of	of	ADP
fsr-3776	25	11	the	the	DET
fsr-3776	25	12	elimination	elimination	NOUN
fsr-3776	25	13	period	period	NOUN
fsr-3776	25	14	clause	clause	NOUN
fsr-3776	25	15	,	,	PUNCT
fsr-3776	25	16	as	as	SCONJ
fsr-3776	25	17	supported	support	VERB
fsr-3776	25	18	by	by	ADP
fsr-3776	25	19	the	the	DET
fsr-3776	25	20	theory	theory	NOUN
fsr-3776	25	21	of	of	ADP
fsr-3776	25	22	adverse	adverse	ADJ
fsr-3776	25	23	selection	selection	NOUN
fsr-3776	25	24	.	.	PUNCT
fsr-3776	26	1	the	the	DET
fsr-3776	26	2	elimination	elimination	NOUN
fsr-3776	26	3	,	,	PUNCT
fsr-3776	26	4	or	or	CCONJ
fsr-3776	26	5	waiting	waiting	NOUN
fsr-3776	26	6	,	,	PUNCT
fsr-3776	26	7	period	period	NOUN
fsr-3776	26	8	contained	contain	VERB
fsr-3776	26	9	in	in	ADP
fsr-3776	26	10	dii	dii	NOUN
fsr-3776	26	11	policies	policy	NOUN
fsr-3776	26	12	is	be	AUX
fsr-3776	26	13	equivalent	equivalent	ADJ
fsr-3776	26	14	to	to	ADP
fsr-3776	26	15	the	the	DET
fsr-3776	26	16	monetary	monetary	ADJ
fsr-3776	26	17	deductible	deductible	NOUN
fsr-3776	26	18	found	find	VERB
fsr-3776	26	19	in	in	ADP
fsr-3776	26	20	other	other	ADJ
fsr-3776	26	21	types	type	NOUN
fsr-3776	26	22	of	of	ADP
fsr-3776	26	23	insurance	insurance	NOUN
fsr-3776	26	24	products	product	NOUN
fsr-3776	26	25	.	.	PUNCT
fsr-3776	27	1	when	when	SCONJ
fsr-3776	27	2	a	a	DET
fsr-3776	27	3	loss	loss	NOUN
fsr-3776	27	4	of	of	ADP
fsr-3776	27	5	health	health	NOUN
fsr-3776	27	6	occurs	occur	VERB
fsr-3776	27	7	,	,	PUNCT
fsr-3776	27	8	the	the	DET
fsr-3776	27	9	insured	insure	VERB
fsr-3776	27	10	first	first	ADV
fsr-3776	27	11	must	must	AUX
fsr-3776	27	12	absorb	absorb	VERB
fsr-3776	27	13	a	a	DET
fsr-3776	27	14	loss	loss	NOUN
fsr-3776	27	15	of	of	ADP
fsr-3776	27	16	income	income	NOUN
fsr-3776	27	17	,	,	PUNCT
fsr-3776	27	18	which	which	PRON
fsr-3776	27	19	is	be	AUX
fsr-3776	27	20	directly	directly	ADV
fsr-3776	27	21	proportional	proportional	ADJ
fsr-3776	27	22	to	to	ADP
fsr-3776	27	23	the	the	DET
fsr-3776	27	24	duration	duration	NOUN
fsr-3776	27	25	of	of	ADP
fsr-3776	27	26	the	the	DET
fsr-3776	27	27	elimination	elimination	NOUN
fsr-3776	27	28	period	period	NOUN
fsr-3776	27	29	,	,	PUNCT
fsr-3776	27	30	before	before	ADP
fsr-3776	27	31	receiving	receive	VERB
fsr-3776	27	32	insurance	insurance	NOUN
fsr-3776	27	33	benetits.3	benetits.3	VERB
fsr-3776	27	34	our	our	PRON
fsr-3776	27	35	test	test	NOUN
fsr-3776	27	36	results	result	VERB
fsr-3776	27	37	specific	specific	ADJ
fsr-3776	27	38	to	to	ADP
fsr-3776	27	39	elimination	elimination	NOUN
fsr-3776	27	40	periods	period	NOUN
fsr-3776	27	41	,	,	PUNCT
fsr-3776	27	42	although	although	SCONJ
fsr-3776	27	43	not	not	PART
fsr-3776	27	44	direct	direct	ADJ
fsr-3776	27	45	measures	measure	NOUN
fsr-3776	27	46	of	of	ADP
fsr-3776	27	47	adverse	adverse	ADJ
fsr-3776	27	48	selection	selection	NOUN
fsr-3776	27	49	,	,	PUNCT
fsr-3776	27	50	are	be	AUX
fsr-3776	27	51	quite	quite	ADV
fsr-3776	27	52	consistent	consistent	ADJ
fsr-3776	27	53	with	with	ADP
fsr-3776	27	54	its	its	PRON
fsr-3776	27	55	presence	presence	NOUN
fsr-3776	27	56	in	in	ADP
fsr-3776	27	57	dii	dii	PROPN
fsr-3776	27	58	markets	market	NOUN
fsr-3776	27	59	.	.	PUNCT
fsr-3776	28	1	our	our	PRON
fsr-3776	28	2	results	result	NOUN
fsr-3776	28	3	provide	provide	VERB
fsr-3776	28	4	indications	indication	NOUN
fsr-3776	28	5	about	about	ADP
fsr-3776	28	6	how	how	SCONJ
fsr-3776	28	7	individuals	individual	NOUN
fsr-3776	28	8	with	with	ADP
fsr-3776	28	9	lower	low	ADJ
fsr-3776	28	10	risk	risk	NOUN
fsr-3776	28	11	exposures	exposure	NOUN
fsr-3776	28	12	should	should	AUX
fsr-3776	28	13	evaluate	evaluate	VERB
fsr-3776	28	14	elimination	elimination	NOUN
fsr-3776	28	15	periods	period	NOUN
fsr-3776	28	16	.	.	PUNCT
fsr-3776	29	1	the	the	DET
fsr-3776	29	2	impact	impact	NOUN
fsr-3776	29	3	of	of	ADP
fsr-3776	29	4	non	non	ADJ
fsr-3776	29	5	-	-	ADJ
fsr-3776	29	6	price	price	ADJ
fsr-3776	29	7	factors	factor	NOUN
fsr-3776	29	8	,	,	PUNCT
fsr-3776	29	9	such	such	ADJ
fsr-3776	29	10	as	as	ADP
fsr-3776	29	11	service	service	NOUN
fsr-3776	29	12	,	,	PUNCT
fsr-3776	29	13	also	also	ADV
fsr-3776	29	14	is	be	AUX
fsr-3776	29	15	demonstrated	demonstrate	VERB
fsr-3776	29	16	.	.	PUNCT
fsr-3776	30	1	although	although	SCONJ
fsr-3776	30	2	dii	dii	NOUN
fsr-3776	30	3	markets	market	NOUN
fsr-3776	30	4	are	be	AUX
fsr-3776	30	5	shown	show	VERB
fsr-3776	30	6	to	to	PART
fsr-3776	30	7	be	be	AUX
fsr-3776	30	8	reasonably	reasonably	ADV
fsr-3776	30	9	efficient	efficient	ADJ
fsr-3776	30	10	,	,	PUNCT
fsr-3776	30	11	our	our	PRON
fsr-3776	30	12	findings	finding	NOUN
fsr-3776	30	13	suggest	suggest	VERB
fsr-3776	30	14	that	that	SCONJ
fsr-3776	30	15	buyers	buyer	NOUN
fsr-3776	30	16	may	may	AUX
fsr-3776	30	17	need	need	VERB
fsr-3776	30	18	to	to	PART
fsr-3776	30	19	be	be	AUX
fsr-3776	30	20	better	well	ADV
fsr-3776	30	21	informed	inform	VERB
fsr-3776	30	22	about	about	ADP
fsr-3776	30	23	disability	disability	NOUN
fsr-3776	30	24	definitions	definition	NOUN
fsr-3776	30	25	,	,	PUNCT
fsr-3776	30	26	preexisting	preexist	VERB
fsr-3776	30	27	conditions	condition	NOUN
fsr-3776	30	28	clauses	clause	NOUN
fsr-3776	30	29	,	,	PUNCT
fsr-3776	30	30	and	and	CCONJ
fsr-3776	30	31	insurer	insurer	NOUN
fsr-3776	30	32	solvency	solvency	NOUN
fsr-3776	30	33	.	.	PUNCT
fsr-3776	31	1	in	in	ADP
fsr-3776	31	2	the	the	DET
fsr-3776	31	3	next	next	ADJ
fsr-3776	31	4	section	section	NOUN
fsr-3776	31	5	,	,	PUNCT
fsr-3776	31	6	we	we	PRON
fsr-3776	31	7	focus	focus	VERB
fsr-3776	31	8	on	on	ADP
fsr-3776	31	9	how	how	SCONJ
fsr-3776	31	10	the	the	DET
fsr-3776	31	11	elimination	elimination	NOUN
fsr-3776	31	12	period	period	NOUN
fsr-3776	31	13	and	and	CCONJ
fsr-3776	31	14	other	other	ADJ
fsr-3776	31	15	devices	device	NOUN
fsr-3776	31	16	are	be	AUX
fsr-3776	31	17	used	use	VERB
fsr-3776	31	18	by	by	ADP
fsr-3776	31	19	insurers	insurer	NOUN
fsr-3776	31	20	to	to	PART
fsr-3776	31	21	reduce	reduce	VERB
fsr-3776	31	22	problems	problem	NOUN
fsr-3776	31	23	caused	cause	VERB
fsr-3776	31	24	by	by	ADP
fsr-3776	31	25	adverse	adverse	ADJ
fsr-3776	31	26	selection	selection	NOUN
fsr-3776	31	27	.	.	PUNCT
fsr-3776	32	1	we	we	PRON
fsr-3776	32	2	discuss	discuss	VERB
fsr-3776	32	3	the	the	DET
fsr-3776	32	4	primary	primary	ADJ
fsr-3776	32	5	contractual	contractual	ADJ
fsr-3776	32	6	components	component	NOUN
fsr-3776	32	7	and	and	CCONJ
fsr-3776	32	8	insurer	insurer	NOUN
fsr-3776	32	9	characteristics	characteristic	NOUN
fsr-3776	32	10	that	that	PRON
fsr-3776	32	11	are	be	AUX
fsr-3776	32	12	likely	likely	ADJ
fsr-3776	32	13	dii	dii	NOUN
fsr-3776	32	14	price	price	NOUN
fsr-3776	32	15	drivers	driver	NOUN
fsr-3776	32	16	in	in	ADP
fsr-3776	32	17	section	section	NOUN
fsr-3776	32	18	iii	iii	PROPN
fsr-3776	32	19	.	.	PUNCT
fsr-3776	33	1	in	in	ADP
fsr-3776	33	2	section	section	NOUN
fsr-3776	33	3	iv	iv	NUM
fsr-3776	33	4	,	,	PUNCT
fsr-3776	33	5	we	we	PRON
fsr-3776	33	6	specify	specify	VERB
fsr-3776	33	7	the	the	DET
fsr-3776	33	8	data	datum	NOUN
fsr-3776	33	9	and	and	CCONJ
fsr-3776	33	10	model	model	NOUN
fsr-3776	33	11	for	for	ADP
fsr-3776	33	12	testing	testing	NOUN
fsr-3776	33	13	price	price	NOUN
fsr-3776	33	14	relations	relation	NOUN
fsr-3776	33	15	.	.	PUNCT
fsr-3776	34	1	we	we	PRON
fsr-3776	34	2	then	then	ADV
fsr-3776	34	3	present	present	VERB
fsr-3776	34	4	our	our	PRON
fsr-3776	34	5	results	result	NOUN
fsr-3776	34	6	in	in	ADP
fsr-3776	34	7	section	section	NOUN
fsr-3776	34	8	v	v	NOUN
fsr-3776	34	9	and	and	CCONJ
fsr-3776	34	10	conclusions	conclusion	NOUN
fsr-3776	34	11	in	in	ADP
fsr-3776	34	12	section	section	PROPN
fsr-3776	34	13	vi	vi	PROPN
fsr-3776	34	14	.	.	PROPN
fsr-3776	34	15	ii	ii	PROPN
fsr-3776	34	16	.	.	PUNCT
fsr-3776	35	1	adverse	adverse	ADJ
fsr-3776	35	2	selection	selection	NOUN
fsr-3776	35	3	and	and	CCONJ
fsr-3776	35	4	elimination	elimination	NOUN
fsr-3776	35	5	periods	period	NOUN
fsr-3776	35	6	studies	study	NOUN
fsr-3776	35	7	of	of	ADP
fsr-3776	35	8	insurance	insurance	NOUN
fsr-3776	35	9	markets	market	NOUN
fsr-3776	35	10	often	often	ADV
fsr-3776	35	11	adopt	adopt	VERB
fsr-3776	35	12	akerlof	akerlof	NOUN
fsr-3776	35	13	s	s	PROPN
fsr-3776	35	14	(	(	PUNCT
fsr-3776	35	15	1970	1970	NUM
fsr-3776	35	16	)	)	PUNCT
fsr-3776	35	17	thesis	thesis	NOUN
fsr-3776	35	18	that	that	SCONJ
fsr-3776	35	19	insurance	insurance	NOUN
fsr-3776	35	20	buyers	buyer	NOUN
fsr-3776	35	21	have	have	AUX
fsr-3776	35	22	informational	informational	ADJ
fsr-3776	35	23	advantages	advantage	NOUN
fsr-3776	35	24	because	because	SCONJ
fsr-3776	35	25	they	they	PRON
fsr-3776	35	26	know	know	VERB
fsr-3776	35	27	more	more	ADJ
fsr-3776	35	28	about	about	ADP
fsr-3776	35	29	their	their	PRON
fsr-3776	35	30	personal	personal	ADJ
fsr-3776	35	31	risk	risk	NOUN
fsr-3776	35	32	charac	charac	NOUN
fsr-3776	35	33	teristics	teristic	NOUN
fsr-3776	35	34	than	than	SCONJ
fsr-3776	35	35	do	do	VERB
fsr-3776	35	36	insurers	insurer	NOUN
fsr-3776	35	37	.	.	PUNCT
fsr-3776	36	1	this	this	DET
fsr-3776	36	2	asymmetry	asymmetry	NOUN
fsr-3776	36	3	of	of	ADP
fsr-3776	36	4	information	information	NOUN
fsr-3776	36	5	can	can	AUX
fsr-3776	36	6	result	result	VERB
fsr-3776	36	7	in	in	ADP
fsr-3776	36	8	adverse	adverse	ADJ
fsr-3776	36	9	selection	selection	NOUN
fsr-3776	36	10	in	in	ADP
fsr-3776	36	11	insurance	insurance	NOUN
fsr-3776	36	12	markets	market	NOUN
fsr-3776	36	13	.	.	PUNCT
fsr-3776	37	1	adverse	adverse	ADJ
fsr-3776	37	2	selection	selection	NOUN
fsr-3776	37	3	is	be	AUX
fsr-3776	37	4	the	the	DET
fsr-3776	37	5	tendency	tendency	NOUN
fsr-3776	37	6	of	of	ADP
fsr-3776	37	7	persons	person	NOUN
fsr-3776	37	8	with	with	ADP
fsr-3776	37	9	higher	high	ADJ
fsr-3776	37	10	risk	risk	NOUN
fsr-3776	37	11	exposures	exposure	NOUN
fsr-3776	37	12	either	either	CCONJ
fsr-3776	37	13	to	to	PART
fsr-3776	37	14	be	be	AUX
fsr-3776	37	15	more	more	ADV
fsr-3776	37	16	likely	likely	ADJ
fsr-3776	37	17	to	to	PART
fsr-3776	37	18	buy	buy	VERB
fsr-3776	37	19	insurance	insurance	NOUN
fsr-3776	37	20	or	or	CCONJ
fsr-3776	37	21	to	to	PART
fsr-3776	37	22	buy	buy	VERB
fsr-3776	37	23	more	more	ADJ
fsr-3776	37	24	insurance	insurance	NOUN
fsr-3776	37	25	than	than	ADP
fsr-3776	37	26	persons	person	NOUN
fsr-3776	37	27	with	with	ADP
fsr-3776	37	28	lower	low	ADJ
fsr-3776	37	29	risk	risk	NOUN
fsr-3776	37	30	exposures	exposure	NOUN
fsr-3776	37	31	(	(	PUNCT
fsr-3776	37	32	cummins	cummin	NOUN
fsr-3776	37	33	et	et	NOUN
fsr-3776	37	34	al	al	PROPN
fsr-3776	37	35	.	.	PROPN
fsr-3776	37	36	,	,	PUNCT
fsr-3776	37	37	1983	1983	NUM
fsr-3776	37	38	)	)	PUNCT
fsr-3776	37	39	.	.	PUNCT
fsr-3776	38	1	empirical	empirical	ADJ
fsr-3776	38	2	research	research	NOUN
fsr-3776	38	3	has	have	AUX
fsr-3776	38	4	confirmed	confirm	VERB
fsr-3776	38	5	the	the	DET
fsr-3776	38	6	existence	existence	NOUN
fsr-3776	38	7	of	of	ADP
fsr-3776	38	8	adverse	adverse	ADJ
fsr-3776	38	9	selection	selection	NOUN
fsr-3776	38	10	in	in	ADP
fsr-3776	38	11	the	the	DET
fsr-3776	38	12	markets	market	NOUN
fsr-3776	38	13	for	for	ADP
fsr-3776	38	14	automobile	automobile	NOUN
fsr-3776	38	15	(	(	PUNCT
fsr-3776	38	16	dahlby	dahlby	PROPN
fsr-3776	38	17	,	,	PUNCT
fsr-3776	38	18	1983	1983	NUM
fsr-3776	38	19	;	;	PUNCT
fsr-3776	38	20	puelz	puelz	NOUN
fsr-3776	38	21	&	&	CCONJ
fsr-3776	38	22	snow	snow	NOUN
fsr-3776	38	23	,	,	PUNCT
fsr-3776	38	24	1994	1994	NUM
fsr-3776	38	25	)	)	PUNCT
fsr-3776	38	26	,	,	PUNCT
fsr-3776	38	27	individual	individual	ADJ
fsr-3776	38	28	life	life	NOUN
fsr-3776	38	29	(	(	PUNCT
fsr-3776	38	30	beliveau	beliveau	NOUN
fsr-3776	38	31	,	,	PUNCT
fsr-3776	38	32	1984	1984	NUM
fsr-3776	38	33	)	)	PUNCT
fsr-3776	38	34	and	and	CCONJ
fsr-3776	38	35	individual	individual	ADJ
fsr-3776	38	36	health	health	NOUN
fsr-3776	38	37	(	(	PUNCT
fsr-3776	38	38	browne	browne	PROPN
fsr-3776	38	39	,	,	PUNCT
fsr-3776	38	40	1992	1992	NUM
fsr-3776	38	41	;	;	PUNCT
fsr-3776	38	42	browne	browne	PROPN
fsr-3776	38	43	&	&	CCONJ
fsr-3776	38	44	doerping	doerping	PROPN
fsr-3776	38	45	haus	haus	NOUN
fsr-3776	38	46	,	,	PUNCT
fsr-3776	38	47	1993	1993	NUM
fsr-3776	38	48	)	)	PUNCT
fsr-3776	38	49	insurance	insurance	NOUN
fsr-3776	38	50	.	.	PUNCT
fsr-3776	39	1	for	for	ADP
fsr-3776	39	2	reasons	reason	NOUN
fsr-3776	39	3	discussed	discuss	VERB
fsr-3776	39	4	below	below	ADV
fsr-3776	39	5	,	,	PUNCT
fsr-3776	39	6	we	we	PRON
fsr-3776	39	7	expect	expect	VERB
fsr-3776	39	8	the	the	DET
fsr-3776	39	9	presence	presence	NOUN
fsr-3776	39	10	of	of	ADP
fsr-3776	39	11	adverse	adverse	ADJ
fsr-3776	39	12	selection	selection	NOUN
fsr-3776	39	13	to	to	PART
fsr-3776	39	14	have	have	VERB
fsr-3776	39	15	a	a	DET
fsr-3776	39	16	substantial	substantial	ADJ
fsr-3776	39	17	impact	impact	NOUN
fsr-3776	39	18	on	on	ADP
fsr-3776	39	19	the	the	DET
fsr-3776	39	20	design	design	NOUN
fsr-3776	39	21	and	and	CCONJ
fsr-3776	39	22	pricing	pricing	NOUN
fsr-3776	39	23	of	of	ADP
fsr-3776	39	24	dii	dii	NOUN
fsr-3776	39	25	contracts	contract	NOUN
fsr-3776	39	26	.	.	PUNCT
fsr-3776	40	1	dii	dii	NOUN
fsr-3776	40	2	is	be	AUX
fsr-3776	40	3	a	a	DET
fsr-3776	40	4	form	form	NOUN
fsr-3776	40	5	of	of	ADP
fsr-3776	40	6	health	health	NOUN
fsr-3776	40	7	insurance	insurance	NOUN
fsr-3776	40	8	covering	cover	VERB
fsr-3776	40	9	indirect	indirect	ADJ
fsr-3776	40	10	losses	loss	NOUN
fsr-3776	40	11	.	.	PUNCT
fsr-3776	41	1	if	if	SCONJ
fsr-3776	41	2	insured	insure	VERB
fsr-3776	41	3	persons	person	NOUN
fsr-3776	41	4	suffer	suffer	VERB
fsr-3776	41	5	losses	loss	NOUN
fsr-3776	41	6	of	of	ADP
fsr-3776	41	7	health	health	NOUN
fsr-3776	41	8	such	such	ADJ
fsr-3776	41	9	that	that	SCONJ
fsr-3776	41	10	they	they	PRON
fsr-3776	41	11	can	can	AUX
fsr-3776	41	12	not	not	PART
fsr-3776	41	13	perform	perform	VERB
fsr-3776	41	14	their	their	PRON
fsr-3776	41	15	occupational	occupational	ADJ
fsr-3776	41	16	duties	duty	NOUN
fsr-3776	41	17	,	,	PUNCT
fsr-3776	41	18	they	they	PRON
fsr-3776	41	19	recover	recover	VERB
fsr-3776	41	20	a	a	DET
fsr-3776	41	21	portion	portion	NOUN
fsr-3776	41	22	of	of	ADP
fsr-3776	41	23	their	their	PRON
fsr-3776	41	24	lost	lose	VERB
fsr-3776	41	25	income	income	NOUN
fsr-3776	41	26	.	.	PUNCT
fsr-3776	42	1	following	follow	VERB
fsr-3776	42	2	akerlof	akerlof	NOUN
fsr-3776	42	3	(	(	PUNCT
fsr-3776	42	4	1970	1970	NUM
fsr-3776	42	5	)	)	PUNCT
fsr-3776	42	6	,	,	PUNCT
fsr-3776	42	7	we	we	PRON
fsr-3776	42	8	assume	assume	VERB
fsr-3776	42	9	that	that	SCONJ
fsr-3776	42	10	applicants	applicant	NOUN
fsr-3776	42	11	for	for	ADP
fsr-3776	42	12	any	any	DET
fsr-3776	42	13	health	health	NOUN
fsr-3776	42	14	insurance	insurance	NOUN
fsr-3776	42	15	products	product	NOUN
fsr-3776	42	16	,	,	PUNCT
fsr-3776	42	17	including	include	VERB
fsr-3776	42	18	dii	dii	NOUN
fsr-3776	42	19	,	,	PUNCT
fsr-3776	42	20	know	know	VERB
fsr-3776	42	21	more	more	ADJ
fsr-3776	42	22	about	about	ADP
fsr-3776	42	23	their	their	PRON
fsr-3776	42	24	personal	personal	ADJ
fsr-3776	42	25	health	health	NOUN
fsr-3776	42	26	on	on	ADP
fsr-3776	42	27	the	the	DET
fsr-3776	42	28	contracting	contracting	NOUN
fsr-3776	42	29	date	date	NOUN
fsr-3776	42	30	than	than	SCONJ
fsr-3776	42	31	do	do	VERB
fsr-3776	42	32	insurers	insurer	NOUN
fsr-3776	42	33	.	.	PUNCT
fsr-3776	43	1	insurers	insurer	NOUN
fsr-3776	43	2	have	have	VERB
fsr-3776	43	3	less	less	ADJ
fsr-3776	43	4	information	information	NOUN
fsr-3776	43	5	for	for	ADP
fsr-3776	43	6	reasons	reason	NOUN
fsr-3776	43	7	such	such	ADJ
fsr-3776	43	8	as	as	ADP
fsr-3776	43	9	errors	error	NOUN
fsr-3776	43	10	in	in	ADP
fsr-3776	43	11	health	health	NOUN
fsr-3776	43	12	assessment	assessment	NOUN
fsr-3776	43	13	by	by	ADP
fsr-3776	43	14	medical	medical	ADJ
fsr-3776	43	15	examiners	examiner	NOUN
fsr-3776	43	16	serving	serve	VERB
fsr-3776	43	17	as	as	ADP
fsr-3776	43	18	agents	agent	NOUN
fsr-3776	43	19	for	for	ADP
fsr-3776	43	20	the	the	DET
fsr-3776	43	21	insurer	insurer	NOUN
fsr-3776	43	22	,	,	PUNCT
fsr-3776	43	23	personal	personal	ADJ
fsr-3776	43	24	physicians	physician	NOUN
fsr-3776	43	25	’	'	PUNCT
fsr-3776	43	26	the	the	DET
fsr-3776	43	27	market	market	NOUN
fsr-3776	43	28	pricing	pricing	NOUN
fsr-3776	43	29	of	of	ADP
fsr-3776	43	30	disubirity	disubirity	NOUN
fsr-3776	43	31	income	income	NOUN
fsr-3776	43	32	insurance	insurance	NOUN
fsr-3776	43	33	111	111	NUM
fsr-3776	43	34	sympathy	sympathy	NOUN
fsr-3776	43	35	for	for	ADP
fsr-3776	43	36	applicants	applicant	NOUN
fsr-3776	43	37	,	,	PUNCT
fsr-3776	43	38	and	and	CCONJ
fsr-3776	43	39	inadequate	inadequate	ADJ
fsr-3776	43	40	histories	history	NOUN
fsr-3776	43	41	of	of	ADP
fsr-3776	43	42	family	family	NOUN
fsr-3776	43	43	health	health	NOUN
fsr-3776	43	44	traits	trait	NOUN
fsr-3776	43	45	.	.	PUNCT
fsr-3776	44	1	insurers	insurer	NOUN
fsr-3776	44	2	,	,	PUNCT
fsr-3776	44	3	therefore	therefore	ADV
fsr-3776	44	4	,	,	PUNCT
fsr-3776	44	5	should	should	AUX
fsr-3776	44	6	have	have	VERB
fsr-3776	44	7	less	less	ADV
fsr-3776	44	8	complete	complete	ADJ
fsr-3776	44	9	information	information	NOUN
fsr-3776	44	10	than	than	ADP
fsr-3776	44	11	applicants	applicant	NOUN
fsr-3776	44	12	regarding	regard	VERB
fsr-3776	44	13	their	their	PRON
fsr-3776	44	14	proper	proper	ADJ
fsr-3776	44	15	classification	classification	NOUN
fsr-3776	44	16	as	as	ADP
fsr-3776	44	17	relatively	relatively	ADV
fsr-3776	44	18	high	high	ADJ
fsr-3776	44	19	or	or	CCONJ
fsr-3776	44	20	low	low	ADJ
fsr-3776	44	21	risks	risk	NOUN
fsr-3776	44	22	.	.	PUNCT
fsr-3776	45	1	in	in	ADP
fsr-3776	45	2	their	their	PRON
fsr-3776	45	3	seminal	seminal	ADJ
fsr-3776	45	4	work	work	NOUN
fsr-3776	45	5	,	,	PUNCT
fsr-3776	45	6	rothschild	rothschild	PROPN
fsr-3776	45	7	and	and	CCONJ
fsr-3776	45	8	stiglitz	stiglitz	PROPN
fsr-3776	45	9	(	(	PUNCT
fsr-3776	45	10	1976	1976	NUM
fsr-3776	45	11	)	)	PUNCT
fsr-3776	45	12	theorized	theorize	VERB
fsr-3776	45	13	that	that	SCONJ
fsr-3776	45	14	insurers	insurer	NOUN
fsr-3776	45	15	will	will	AUX
fsr-3776	45	16	offer	offer	VERB
fsr-3776	45	17	“	"	PUNCT
fsr-3776	45	18	price	price	NOUN
fsr-3776	45	19	and	and	CCONJ
fsr-3776	45	20	quantity	quantity	NOUN
fsr-3776	45	21	”	"	PUNCT
fsr-3776	45	22	menus	menu	NOUN
fsr-3776	45	23	to	to	ADP
fsr-3776	45	24	applicants	applicant	NOUN
fsr-3776	45	25	as	as	ADP
fsr-3776	45	26	a	a	DET
fsr-3776	45	27	method	method	NOUN
fsr-3776	45	28	for	for	ADP
fsr-3776	45	29	reducing	reduce	VERB
fsr-3776	45	30	adverse	adverse	ADJ
fsr-3776	45	31	selection	selection	NOUN
fsr-3776	45	32	.	.	PUNCT
fsr-3776	46	1	high	high	ADJ
fsr-3776	46	2	-	-	PUNCT
fsr-3776	46	3	risk	risk	NOUN
fsr-3776	46	4	and	and	CCONJ
fsr-3776	46	5	low	low	ADJ
fsr-3776	46	6	-	-	PUNCT
fsr-3776	46	7	risk	risk	NOUN
fsr-3776	46	8	applicants	applicant	NOUN
fsr-3776	46	9	are	be	AUX
fsr-3776	46	10	likely	likely	ADJ
fsr-3776	46	11	to	to	PART
fsr-3776	46	12	select	select	VERB
fsr-3776	46	13	different	different	ADJ
fsr-3776	46	14	price	price	NOUN
fsr-3776	46	15	-	-	PUNCT
fsr-3776	46	16	quantity	quantity	NOUN
fsr-3776	46	17	combinations	combination	NOUN
fsr-3776	46	18	,	,	PUNCT
fsr-3776	46	19	thereby	thereby	ADV
fsr-3776	46	20	revealing	reveal	VERB
fsr-3776	46	21	their	their	PRON
fsr-3776	46	22	perceived	perceive	VERB
fsr-3776	46	23	level	level	NOUN
fsr-3776	46	24	of	of	ADP
fsr-3776	46	25	risk	risk	NOUN
fsr-3776	46	26	to	to	ADP
fsr-3776	46	27	insurers	insurer	NOUN
fsr-3776	46	28	.	.	PUNCT
fsr-3776	47	1	specifically	specifically	ADV
fsr-3776	47	2	,	,	PUNCT
fsr-3776	47	3	rothschild	rothschild	PROPN
fsr-3776	47	4	and	and	CCONJ
fsr-3776	47	5	stiglitz	stiglitz	PROPN
fsr-3776	47	6	predict	predict	VERB
fsr-3776	47	7	a	a	DET
fsr-3776	47	8	separating	separate	VERB
fsr-3776	47	9	equilibrium	equilibrium	NOUN
fsr-3776	47	10	in	in	ADP
fsr-3776	47	11	which	which	PRON
fsr-3776	47	12	high	high	ADJ
fsr-3776	47	13	-	-	PUNCT
fsr-3776	47	14	risk	risk	NOUN
fsr-3776	47	15	applicants	applicant	NOUN
fsr-3776	47	16	will	will	AUX
fsr-3776	47	17	buy	buy	VERB
fsr-3776	47	18	relatively	relatively	ADV
fsr-3776	47	19	more	more	ADJ
fsr-3776	47	20	insurance	insurance	NOUN
fsr-3776	47	21	at	at	ADP
fsr-3776	47	22	a	a	DET
fsr-3776	47	23	higher	high	ADJ
fsr-3776	47	24	price	price	NOUN
fsr-3776	47	25	,	,	PUNCT
fsr-3776	47	26	while	while	SCONJ
fsr-3776	47	27	low	low	ADJ
fsr-3776	47	28	-	-	PUNCT
fsr-3776	47	29	risk	risk	NOUN
fsr-3776	47	30	applicants	applicant	NOUN
fsr-3776	47	31	will	will	AUX
fsr-3776	47	32	buy	buy	VERB
fsr-3776	47	33	less	less	ADJ
fsr-3776	47	34	at	at	ADP
fsr-3776	47	35	a	a	DET
fsr-3776	47	36	lower	low	ADJ
fsr-3776	47	37	price.4	price.4	ADJ
fsr-3776	47	38	puelz	puelz	NOUN
fsr-3776	47	39	and	and	CCONJ
fsr-3776	47	40	snow	snow	NOUN
fsr-3776	47	41	(	(	PUNCT
fsr-3776	47	42	1994	1994	NUM
fsr-3776	47	43	)	)	PUNCT
fsr-3776	47	44	expand	expand	VERB
fsr-3776	47	45	on	on	ADP
fsr-3776	47	46	the	the	DET
fsr-3776	47	47	framework	framework	NOUN
fsr-3776	47	48	provided	provide	VERB
fsr-3776	47	49	by	by	ADP
fsr-3776	47	50	rothschild	rothschild	PROPN
fsr-3776	47	51	and	and	CCONJ
fsr-3776	47	52	stiglitz	stiglitz	PROPN
fsr-3776	47	53	to	to	PART
fsr-3776	47	54	show	show	VERB
fsr-3776	47	55	specifically	specifically	ADV
fsr-3776	47	56	how	how	SCONJ
fsr-3776	47	57	insurers	insurer	NOUN
fsr-3776	47	58	respond	respond	VERB
fsr-3776	47	59	to	to	ADP
fsr-3776	47	60	adverse	adverse	ADJ
fsr-3776	47	61	selection	selection	NOUN
fsr-3776	47	62	.	.	PUNCT
fsr-3776	48	1	they	they	PRON
fsr-3776	48	2	focus	focus	VERB
fsr-3776	48	3	primarily	primarily	ADV
fsr-3776	48	4	on	on	ADP
fsr-3776	48	5	the	the	DET
fsr-3776	48	6	relation	relation	NOUN
fsr-3776	48	7	of	of	ADP
fsr-3776	48	8	deductibles	deductible	NOUN
fsr-3776	48	9	to	to	AUX
fsr-3776	48	10	price	price	VERB
fsr-3776	48	11	.	.	PUNCT
fsr-3776	49	1	according	accord	VERB
fsr-3776	49	2	to	to	ADP
fsr-3776	49	3	puelz	puelz	VERB
fsr-3776	49	4	and	and	CCONJ
fsr-3776	49	5	snow	snow	NOUN
fsr-3776	49	6	,	,	PUNCT
fsr-3776	49	7	insurers	insurer	NOUN
fsr-3776	49	8	first	first	ADV
fsr-3776	49	9	screen	screen	VERB
fsr-3776	49	10	the	the	DET
fsr-3776	49	11	pool	pool	NOUN
fsr-3776	49	12	of	of	ADP
fsr-3776	49	13	applicants	applicant	NOUN
fsr-3776	49	14	and	and	CCONJ
fsr-3776	49	15	categorize	categorize	VERB
fsr-3776	49	16	them	they	PRON
fsr-3776	49	17	based	base	VERB
fsr-3776	49	18	on	on	ADP
fsr-3776	49	19	observable	observable	ADJ
fsr-3776	49	20	traits	trait	NOUN
fsr-3776	49	21	that	that	PRON
fsr-3776	49	22	relate	relate	VERB
fsr-3776	49	23	to	to	ADP
fsr-3776	49	24	risk	risk	NOUN
fsr-3776	49	25	.	.	PUNCT
fsr-3776	50	1	they	they	PRON
fsr-3776	50	2	then	then	ADV
fsr-3776	50	3	offer	offer	VERB
fsr-3776	50	4	various	various	ADJ
fsr-3776	50	5	combinations	combination	NOUN
fsr-3776	50	6	of	of	ADP
fsr-3776	50	7	prices	price	NOUN
fsr-3776	50	8	and	and	CCONJ
fsr-3776	50	9	deductibles	deductible	NOUN
fsr-3776	50	10	to	to	ADP
fsr-3776	50	11	applicants	applicant	NOUN
fsr-3776	50	12	within	within	ADP
fsr-3776	50	13	each	each	DET
fsr-3776	50	14	riskcategory	riskcategory	NOUN
fsr-3776	50	15	.	.	PUNCT
fsr-3776	51	1	lower	low	ADJ
fsr-3776	51	2	prices	price	NOUN
fsr-3776	51	3	are	be	AUX
fsr-3776	51	4	offered	offer	VERB
fsr-3776	51	5	in	in	ADP
fsr-3776	51	6	tandem	tandem	NOUN
fsr-3776	51	7	with	with	ADP
fsr-3776	51	8	higher	high	ADJ
fsr-3776	51	9	deductibles	deductible	NOUN
fsr-3776	51	10	.	.	PUNCT
fsr-3776	52	1	lower	low	ADJ
fsr-3776	52	2	-	-	PUNCT
fsr-3776	52	3	risk	risk	NOUN
fsr-3776	52	4	applicants	applicant	NOUN
fsr-3776	52	5	are	be	AUX
fsr-3776	52	6	expected	expect	VERB
fsr-3776	52	7	to	to	PART
fsr-3776	52	8	signal	signal	VERB
fsr-3776	52	9	their	their	PRON
fsr-3776	52	10	status	status	NOUN
fsr-3776	52	11	by	by	ADP
fsr-3776	52	12	selecting	select	VERB
fsr-3776	52	13	high	high	ADJ
fsr-3776	52	14	-	-	PUNCT
fsr-3776	52	15	deductible	deductible	ADJ
fsr-3776	52	16	policies	policy	NOUN
fsr-3776	52	17	.	.	PUNCT
fsr-3776	53	1	puelz	puelz	VERB
fsr-3776	53	2	and	and	CCONJ
fsr-3776	53	3	snow	snow	NOUN
fsr-3776	53	4	find	find	VERB
fsr-3776	53	5	support	support	NOUN
fsr-3776	53	6	for	for	ADP
fsr-3776	53	7	these	these	DET
fsr-3776	53	8	expectations	expectation	NOUN
fsr-3776	53	9	based	base	VERB
fsr-3776	53	10	on	on	ADP
fsr-3776	53	11	results	result	NOUN
fsr-3776	53	12	generated	generate	VERB
fsr-3776	53	13	from	from	ADP
fsr-3776	53	14	one	one	NUM
fsr-3776	53	15	auto	auto	NOUN
fsr-3776	53	16	insurer	insurer	NOUN
fsr-3776	53	17	’s	’s	PART
fsr-3776	53	18	data	datum	NOUN
fsr-3776	53	19	.	.	PUNCT
fsr-3776	54	1	our	our	PRON
fsr-3776	54	2	observations	observation	NOUN
fsr-3776	54	3	indicate	indicate	VERB
fsr-3776	54	4	that	that	SCONJ
fsr-3776	54	5	insurers	insurer	NOUN
fsr-3776	54	6	in	in	ADP
fsr-3776	54	7	dii	dii	PROPN
fsr-3776	54	8	markets	market	NOUN
fsr-3776	54	9	use	use	VERB
fsr-3776	54	10	pricing	pricing	NOUN
fsr-3776	54	11	methods	method	NOUN
fsr-3776	54	12	similar	similar	ADJ
fsr-3776	54	13	to	to	ADP
fsr-3776	54	14	those	those	PRON
fsr-3776	54	15	found	find	VERB
fsr-3776	54	16	by	by	ADP
fsr-3776	54	17	puelz	puelz	NOUN
fsr-3776	54	18	and	and	CCONJ
fsr-3776	54	19	snow	snow	NOUN
fsr-3776	54	20	for	for	ADP
fsr-3776	54	21	the	the	DET
fsr-3776	54	22	automobile	automobile	NOUN
fsr-3776	54	23	insurance	insurance	NOUN
fsr-3776	54	24	industry	industry	NOUN
fsr-3776	54	25	.	.	PUNCT
fsr-3776	55	1	in	in	ADP
fsr-3776	55	2	dii	dii	PROPN
fsr-3776	55	3	markets	market	NOUN
fsr-3776	55	4	,	,	PUNCT
fsr-3776	55	5	insurers	insurer	NOUN
fsr-3776	55	6	first	first	ADV
fsr-3776	55	7	use	use	VERB
fsr-3776	55	8	the	the	DET
fsr-3776	55	9	observable	observable	ADJ
fsr-3776	55	10	traits	trait	NOUN
fsr-3776	55	11	of	of	ADP
fsr-3776	55	12	age	age	NOUN
fsr-3776	55	13	,	,	PUNCT
fsr-3776	55	14	gender	gender	NOUN
fsr-3776	55	15	,	,	PUNCT
fsr-3776	55	16	and	and	CCONJ
fsr-3776	55	17	occupation	occupation	NOUN
fsr-3776	55	18	to	to	PART
fsr-3776	55	19	place	place	VERB
fsr-3776	55	20	applicants	applicant	NOUN
fsr-3776	55	21	in	in	ADP
fsr-3776	55	22	risk	risk	NOUN
fsr-3776	55	23	categories	category	NOUN
fsr-3776	55	24	.	.	PUNCT
fsr-3776	56	1	then	then	ADV
fsr-3776	56	2	,	,	PUNCT
fsr-3776	56	3	applicants	applicant	NOUN
fsr-3776	56	4	in	in	ADP
fsr-3776	56	5	each	each	DET
fsr-3776	56	6	risk	risk	NOUN
fsr-3776	56	7	category	category	NOUN
fsr-3776	56	8	are	be	AUX
fsr-3776	56	9	offered	offer	VERB
fsr-3776	56	10	a	a	DET
fsr-3776	56	11	menu	menu	NOUN
fsr-3776	56	12	of	of	ADP
fsr-3776	56	13	prices	price	NOUN
fsr-3776	56	14	and	and	CCONJ
fsr-3776	56	15	contractual	contractual	ADJ
fsr-3776	56	16	provisions	provision	NOUN
fsr-3776	56	17	,	,	PUNCT
fsr-3776	56	18	including	include	VERB
fsr-3776	56	19	a	a	DET
fsr-3776	56	20	variety	variety	NOUN
fsr-3776	56	21	of	of	ADP
fsr-3776	56	22	elimination	elimination	NOUN
fsr-3776	56	23	periods	period	NOUN
fsr-3776	56	24	.	.	PUNCT
fsr-3776	57	1	because	because	SCONJ
fsr-3776	57	2	elimination	elimination	NOUN
fsr-3776	57	3	periods	period	NOUN
fsr-3776	57	4	essentially	essentially	ADV
fsr-3776	57	5	are	be	AUX
fsr-3776	57	6	deductibles	deductible	NOUN
fsr-3776	57	7	and	and	CCONJ
fsr-3776	57	8	the	the	DET
fsr-3776	57	9	levels	level	NOUN
fsr-3776	57	10	selected	select	VERB
fsr-3776	57	11	by	by	ADP
fsr-3776	57	12	dii	dii	NOUN
fsr-3776	57	13	applicants	applicant	NOUN
fsr-3776	57	14	serve	serve	VERB
fsr-3776	57	15	as	as	ADP
fsr-3776	57	16	signals	signal	NOUN
fsr-3776	57	17	of	of	ADP
fsr-3776	57	18	riskiness	riskiness	NOUN
fsr-3776	57	19	to	to	ADP
fsr-3776	57	20	insurers	insurer	NOUN
fsr-3776	57	21	,	,	PUNCT
fsr-3776	57	22	we	we	PRON
fsr-3776	57	23	expect	expect	VERB
fsr-3776	57	24	a	a	DET
fsr-3776	57	25	particularly	particularly	ADV
fsr-3776	57	26	strong	strong	ADJ
fsr-3776	57	27	relation	relation	NOUN
fsr-3776	57	28	to	to	ADP
fsr-3776	57	29	policy	policy	NOUN
fsr-3776	57	30	price	price	NOUN
fsr-3776	57	31	.	.	PUNCT
fsr-3776	58	1	another	another	DET
fsr-3776	58	2	way	way	NOUN
fsr-3776	58	3	that	that	PRON
fsr-3776	58	4	insurers	insurer	NOUN
fsr-3776	58	5	can	can	AUX
fsr-3776	58	6	control	control	VERB
fsr-3776	58	7	adverse	adverse	ADJ
fsr-3776	58	8	selection	selection	NOUN
fsr-3776	58	9	is	be	AUX
fsr-3776	58	10	by	by	ADP
fsr-3776	58	11	marketing	market	VERB
fsr-3776	58	12	through	through	ADP
fsr-3776	58	13	brokers	broker	NOUN
fsr-3776	58	14	who	who	PRON
fsr-3776	58	15	are	be	AUX
fsr-3776	58	16	closer	close	ADJ
fsr-3776	58	17	to	to	ADP
fsr-3776	58	18	the	the	DET
fsr-3776	58	19	point	point	NOUN
fsr-3776	58	20	of	of	ADP
fsr-3776	58	21	purchase	purchase	NOUN
fsr-3776	58	22	and	and	CCONJ
fsr-3776	58	23	,	,	PUNCT
fsr-3776	58	24	therefore	therefore	ADV
fsr-3776	58	25	,	,	PUNCT
fsr-3776	58	26	should	should	AUX
fsr-3776	58	27	generate	generate	VERB
fsr-3776	58	28	better	well	ADJ
fsr-3776	58	29	estimates	estimate	NOUN
fsr-3776	58	30	of	of	ADP
fsr-3776	58	31	applicants	applicant	NOUN
fsr-3776	58	32	’	’	PART
fsr-3776	58	33	health	health	NOUN
fsr-3776	58	34	risks	risk	NOUN
fsr-3776	58	35	.	.	PUNCT
fsr-3776	59	1	indeed	indeed	ADV
fsr-3776	59	2	,	,	PUNCT
fsr-3776	59	3	most	most	ADJ
fsr-3776	59	4	of	of	ADP
fsr-3776	59	5	the	the	DET
fsr-3776	59	6	larger	large	ADJ
fsr-3776	59	7	dii	dii	NOUN
fsr-3776	59	8	providers	provider	NOUN
fsr-3776	59	9	use	use	VERB
fsr-3776	59	10	brokerage	brokerage	NOUN
fsr-3776	59	11	arrangements	arrangement	NOUN
fsr-3776	59	12	to	to	PART
fsr-3776	59	13	distribute	distribute	VERB
fsr-3776	59	14	their	their	PRON
fsr-3776	59	15	products	product	NOUN
fsr-3776	59	16	.	.	PUNCT
fsr-3776	60	1	unlike	unlike	ADP
fsr-3776	60	2	the	the	DET
fsr-3776	60	3	life	life	NOUN
fsr-3776	60	4	insurance	insurance	NOUN
fsr-3776	60	5	market	market	NOUN
fsr-3776	60	6	,	,	PUNCT
fsr-3776	60	7	direct	direct	ADJ
fsr-3776	60	8	retailing	retailing	NOUN
fsr-3776	60	9	and	and	CCONJ
fsr-3776	60	10	mass	mass	NOUN
fsr-3776	60	11	merchandising	merchandising	NOUN
fsr-3776	60	12	in	in	ADP
fsr-3776	60	13	the	the	DET
fsr-3776	60	14	dii	dii	NOUN
fsr-3776	60	15	market	market	NOUN
fsr-3776	60	16	are	be	AUX
fsr-3776	60	17	not	not	PART
fsr-3776	60	18	common.5	common.5	PROPN
fsr-3776	60	19	because	because	SCONJ
fsr-3776	60	20	of	of	ADP
fsr-3776	60	21	our	our	PRON
fsr-3776	60	22	data	datum	NOUN
fsr-3776	60	23	limitations	limitation	NOUN
fsr-3776	60	24	,	,	PUNCT
fsr-3776	60	25	however	however	ADV
fsr-3776	60	26	,	,	PUNCT
fsr-3776	60	27	assessing	assess	VERB
fsr-3776	60	28	the	the	DET
fsr-3776	60	29	impact	impact	NOUN
fsr-3776	60	30	of	of	ADP
fsr-3776	60	31	alternative	alternative	ADJ
fsr-3776	60	32	distribution	distribution	NOUN
fsr-3776	60	33	systems	system	NOUN
fsr-3776	60	34	is	be	AUX
fsr-3776	60	35	beyond	beyond	ADP
fsr-3776	60	36	the	the	DET
fsr-3776	60	37	scope	scope	NOUN
fsr-3776	60	38	of	of	ADP
fsr-3776	60	39	this	this	DET
fsr-3776	60	40	study	study	NOUN
fsr-3776	60	41	.	.	PUNCT
fsr-3776	61	1	iii	iii	PROPN
fsr-3776	61	2	.	.	PUNCT
fsr-3776	62	1	characteristics	characteristic	NOUN
fsr-3776	62	2	affecting	affect	VERB
fsr-3776	62	3	disability	disability	NOUN
fsr-3776	62	4	income	income	NOUN
fsr-3776	62	5	~surance	~surance	NOUN
fsr-3776	62	6	prices	price	NOUN
fsr-3776	62	7	a.	a.	NOUN
fsr-3776	62	8	contractual	contractual	PROPN
fsr-3776	62	9	attributes	attribute	NOUN
fsr-3776	62	10	of	of	ADP
fsr-3776	62	11	disability	disability	NOUN
fsr-3776	62	12	income	income	NOUN
fsr-3776	62	13	insurance	insurance	NOUN
fsr-3776	62	14	products	product	NOUN
fsr-3776	62	15	1	1	NUM
fsr-3776	62	16	.	.	PUNCT
fsr-3776	62	17	elimination	elimination	NOUN
fsr-3776	62	18	period	period	NOUN
fsr-3776	62	19	as	as	SCONJ
fsr-3776	62	20	explained	explain	VERB
fsr-3776	62	21	previously	previously	ADV
fsr-3776	62	22	,	,	PUNCT
fsr-3776	62	23	applicants	applicant	NOUN
fsr-3776	62	24	’	'	PUNCT
fsr-3776	62	25	selections	selection	NOUN
fsr-3776	62	26	of	of	ADP
fsr-3776	62	27	particular	particular	ADJ
fsr-3776	62	28	elimination	elimination	NOUN
fsr-3776	62	29	periods	period	NOUN
fsr-3776	62	30	signal	signal	VERB
fsr-3776	62	31	insurers	insurer	NOUN
fsr-3776	62	32	as	as	ADP
fsr-3776	62	33	to	to	ADP
fsr-3776	62	34	their	their	PRON
fsr-3776	62	35	unobservable	unobservable	ADJ
fsr-3776	62	36	health	health	NOUN
fsr-3776	62	37	status	status	NOUN
fsr-3776	62	38	.	.	PUNCT
fsr-3776	63	1	because	because	SCONJ
fsr-3776	63	2	insurers	insurer	NOUN
fsr-3776	63	3	should	should	AUX
fsr-3776	63	4	heavily	heavily	ADV
fsr-3776	63	5	rely	rely	VERB
fsr-3776	63	6	on	on	ADP
fsr-3776	63	7	this	this	DET
fsr-3776	63	8	characteristic	characteristic	NOUN
fsr-3776	63	9	as	as	ADP
fsr-3776	63	10	an	an	DET
fsr-3776	63	11	indicator	indicator	NOUN
fsr-3776	63	12	of	of	ADP
fsr-3776	63	13	applicant	applicant	ADJ
fsr-3776	63	14	risk	risk	NOUN
fsr-3776	63	15	and	and	CCONJ
fsr-3776	63	16	because	because	SCONJ
fsr-3776	63	17	longer	long	ADJ
fsr-3776	63	18	elimination	elimination	NOUN
fsr-3776	63	19	periods	period	NOUN
fsr-3776	63	20	,	,	PUNCT
fsr-3776	63	21	by	by	ADP
fsr-3776	63	22	definition	definition	NOUN
fsr-3776	63	23	,	,	PUNCT
fsr-3776	63	24	reduce	reduce	VERB
fsr-3776	63	25	total	total	ADJ
fsr-3776	63	26	benefits	benefit	NOUN
fsr-3776	63	27	paid	pay	VERB
fsr-3776	63	28	in	in	ADP
fsr-3776	63	29	the	the	DET
fsr-3776	63	30	event	event	NOUN
fsr-3776	63	31	of	of	ADP
fsr-3776	63	32	a	a	DET
fsr-3776	63	33	disability	disability	NOUN
fsr-3776	63	34	,	,	PUNCT
fsr-3776	63	35	we	we	PRON
fsr-3776	63	36	anticipate	anticipate	VERB
fsr-3776	63	37	a	a	DET
fsr-3776	63	38	very	very	ADV
fsr-3776	63	39	strong	strong	ADJ
fsr-3776	63	40	,	,	PUNCT
fsr-3776	63	41	negative	negative	ADJ
fsr-3776	63	42	relation	relation	NOUN
fsr-3776	63	43	between	between	ADP
fsr-3776	63	44	price	price	NOUN
fsr-3776	63	45	and	and	CCONJ
fsr-3776	63	46	elimination	elimination	NOUN
fsr-3776	63	47	period	period	NOUN
fsr-3776	63	48	.	.	PUNCT
fsr-3776	64	1	112	112	NUM
fsr-3776	64	2	financial	financial	ADJ
fsr-3776	64	3	services	service	NOUN
fsr-3776	64	4	review	review	NOUN
fsr-3776	64	5	4(2	4(2	NUM
fsr-3776	64	6	)	)	PUNCT
fsr-3776	64	7	1995	1995	NUM
fsr-3776	64	8	2	2	NUM
fsr-3776	64	9	.	.	PUNCT
fsr-3776	64	10	definition	definition	NOUN
fsr-3776	64	11	of	of	ADP
fsr-3776	64	12	disability	disability	NOUN
fsr-3776	64	13	the	the	DET
fsr-3776	64	14	definition	definition	NOUN
fsr-3776	64	15	of	of	ADP
fsr-3776	64	16	disability	disability	NOUN
fsr-3776	64	17	is	be	AUX
fsr-3776	64	18	critical	critical	ADJ
fsr-3776	64	19	in	in	ADP
fsr-3776	64	20	determining	determine	VERB
fsr-3776	64	21	whetherinsureds	whetherinsured	NOUN
fsr-3776	64	22	qualify	qualify	VERB
fsr-3776	64	23	as	as	ADP
fsr-3776	64	24	disabled	disabled	ADJ
fsr-3776	64	25	for	for	ADP
fsr-3776	64	26	purposes	purpose	NOUN
fsr-3776	64	27	of	of	ADP
fsr-3776	64	28	receiving	receive	VERB
fsr-3776	64	29	claim	claim	NOUN
fsr-3776	64	30	payments	payment	NOUN
fsr-3776	64	31	.	.	PUNCT
fsr-3776	65	1	buyers	buyer	NOUN
fsr-3776	65	2	’	'	PUNCT
fsr-3776	65	3	applications	application	NOUN
fsr-3776	65	4	for	for	ADP
fsr-3776	65	5	policies	policy	NOUN
fsr-3776	65	6	with	with	ADP
fsr-3776	65	7	particular	particular	ADJ
fsr-3776	65	8	definitions	definition	NOUN
fsr-3776	65	9	can	can	AUX
fsr-3776	65	10	provide	provide	VERB
fsr-3776	65	11	signals	signal	NOUN
fsr-3776	65	12	to	to	ADP
fsr-3776	65	13	insurers	insurer	NOUN
fsr-3776	65	14	about	about	ADP
fsr-3776	65	15	applicants	applicant	NOUN
fsr-3776	65	16	’	'	PUNCT
fsr-3776	65	17	perceived	perceive	VERB
fsr-3776	65	18	health	health	NOUN
fsr-3776	65	19	.	.	PUNCT
fsr-3776	66	1	such	such	ADJ
fsr-3776	66	2	decisions	decision	NOUN
fsr-3776	66	3	also	also	ADV
fsr-3776	66	4	can	can	AUX
fsr-3776	66	5	signal	signal	VERB
fsr-3776	66	6	the	the	DET
fsr-3776	66	7	applicants	applicant	NOUN
fsr-3776	66	8	’	'	PUNCT
fsr-3776	66	9	levels	level	NOUN
fsr-3776	66	10	of	of	ADP
fsr-3776	66	11	risk	risk	NOUN
fsr-3776	66	12	aversion	aversion	NOUN
fsr-3776	66	13	,	,	PUNCT
fsr-3776	66	14	however	however	ADV
fsr-3776	66	15	.	.	PUNCT
fsr-3776	67	1	most	most	ADJ
fsr-3776	67	2	insurers	insurer	NOUN
fsr-3776	67	3	offer	offer	VERB
fsr-3776	67	4	either	either	CCONJ
fsr-3776	67	5	“	"	PUNCT
fsr-3776	67	6	own	own	ADJ
fsr-3776	67	7	occupation	occupation	NOUN
fsr-3776	67	8	”	"	PUNCT
fsr-3776	67	9	or	or	CCONJ
fsr-3776	67	10	“	"	PUNCT
fsr-3776	67	11	any	any	DET
fsr-3776	67	12	occupation	occupation	NOUN
fsr-3776	67	13	”	"	PUNCT
fsr-3776	67	14	definitions	definition	NOUN
fsr-3776	67	15	of	of	ADP
fsr-3776	67	16	insur	insur	NOUN
fsr-3776	67	17	ance.6	ance.6	PROPN
fsr-3776	67	18	the	the	DET
fsr-3776	67	19	own	own	ADJ
fsr-3776	67	20	occupation	occupation	NOUN
fsr-3776	67	21	definition	definition	NOUN
fsr-3776	67	22	is	be	AUX
fsr-3776	67	23	considered	consider	VERB
fsr-3776	67	24	more	more	ADV
fsr-3776	67	25	liberal	liberal	ADJ
fsr-3776	67	26	because	because	SCONJ
fsr-3776	67	27	insureds	insured	NOUN
fsr-3776	67	28	must	must	AUX
fsr-3776	67	29	lose	lose	VERB
fsr-3776	67	30	only	only	ADV
fsr-3776	67	31	their	their	PRON
fsr-3776	67	32	ability	ability	NOUN
fsr-3776	67	33	to	to	PART
fsr-3776	67	34	perform	perform	VERB
fsr-3776	67	35	the	the	DET
fsr-3776	67	36	principal	principal	ADJ
fsr-3776	67	37	duties	duty	NOUN
fsr-3776	67	38	of	of	ADP
fsr-3776	67	39	their	their	PRON
fsr-3776	67	40	present	present	ADJ
fsr-3776	67	41	occupations	occupation	NOUN
fsr-3776	67	42	to	to	PART
fsr-3776	67	43	qualify	qualify	VERB
fsr-3776	67	44	for	for	ADP
fsr-3776	67	45	benefits	benefit	NOUN
fsr-3776	67	46	.	.	PUNCT
fsr-3776	68	1	under	under	ADP
fsr-3776	68	2	the	the	DET
fsr-3776	68	3	any	any	DET
fsr-3776	68	4	occupation	occupation	NOUN
fsr-3776	68	5	definition	definition	NOUN
fsr-3776	68	6	,	,	PUNCT
fsr-3776	68	7	insureds	insured	NOUN
fsr-3776	68	8	must	must	AUX
fsr-3776	68	9	be	be	AUX
fsr-3776	68	10	unable	unable	ADJ
fsr-3776	68	11	to	to	PART
fsr-3776	68	12	perform	perform	VERB
fsr-3776	68	13	the	the	DET
fsr-3776	68	14	primary	primary	ADJ
fsr-3776	68	15	duties	duty	NOUN
fsr-3776	68	16	of	of	ADP
fsr-3776	68	17	any	any	DET
fsr-3776	68	18	occupation	occupation	NOUN
fsr-3776	68	19	for	for	ADP
fsr-3776	68	20	which	which	PRON
fsr-3776	68	21	they	they	PRON
fsr-3776	68	22	are	be	AUX
fsr-3776	68	23	suited	suit	VERB
fsr-3776	68	24	by	by	ADP
fsr-3776	68	25	training	training	NOUN
fsr-3776	68	26	,	,	PUNCT
fsr-3776	68	27	experience	experience	NOUN
fsr-3776	68	28	,	,	PUNCT
fsr-3776	68	29	or	or	CCONJ
fsr-3776	68	30	education	education	NOUN
fsr-3776	68	31	.	.	PUNCT
fsr-3776	69	1	many	many	ADJ
fsr-3776	69	2	dii	dii	NOUN
fsr-3776	69	3	policies	policy	NOUN
fsr-3776	69	4	contain	contain	VERB
fsr-3776	69	5	“	"	PUNCT
fsr-3776	69	6	split	split	ADJ
fsr-3776	69	7	”	"	PUNCT
fsr-3776	69	8	definitions	definition	NOUN
fsr-3776	69	9	in	in	ADP
fsr-3776	69	10	which	which	PRON
fsr-3776	69	11	the	the	DET
fsr-3776	69	12	own	own	ADJ
fsr-3776	69	13	occupation	occupation	NOUN
fsr-3776	69	14	criterion	criterion	NOUN
fsr-3776	69	15	applies	apply	VERB
fsr-3776	69	16	for	for	ADP
fsr-3776	69	17	a	a	DET
fsr-3776	69	18	specified	specified	ADJ
fsr-3776	69	19	period	period	NOUN
fsr-3776	69	20	,	,	PUNCT
fsr-3776	69	21	such	such	ADJ
fsr-3776	69	22	as	as	ADP
fsr-3776	69	23	two	two	NUM
fsr-3776	69	24	years	year	NOUN
fsr-3776	69	25	,	,	PUNCT
fsr-3776	69	26	and	and	CCONJ
fsr-3776	69	27	the	the	DET
fsr-3776	69	28	any	any	DET
fsr-3776	69	29	occupation	occupation	NOUN
fsr-3776	69	30	standard	standard	NOUN
fsr-3776	69	31	applies	apply	VERB
fsr-3776	69	32	thereafter	thereafter	ADV
fsr-3776	69	33	.	.	PUNCT
fsr-3776	70	1	because	because	SCONJ
fsr-3776	70	2	the	the	DET
fsr-3776	70	3	own	own	ADJ
fsr-3776	70	4	occupation	occupation	NOUN
fsr-3776	70	5	definition	definition	NOUN
fsr-3776	70	6	is	be	AUX
fsr-3776	70	7	more	more	ADV
fsr-3776	70	8	liberal	liberal	ADJ
fsr-3776	70	9	,	,	PUNCT
fsr-3776	70	10	we	we	PRON
fsr-3776	70	11	expect	expect	VERB
fsr-3776	70	12	a	a	DET
fsr-3776	70	13	positive	positive	ADJ
fsr-3776	70	14	relation	relation	NOUN
fsr-3776	70	15	between	between	ADP
fsr-3776	70	16	dii	dii	NOUN
fsr-3776	70	17	price	price	NOUN
fsr-3776	70	18	and	and	CCONJ
fsr-3776	70	19	the	the	DET
fsr-3776	70	20	time	time	NOUN
fsr-3776	70	21	period	period	NOUN
fsr-3776	70	22	for	for	ADP
fsr-3776	70	23	which	which	PRON
fsr-3776	70	24	this	this	DET
fsr-3776	70	25	definition	definition	NOUN
fsr-3776	70	26	applies	apply	VERB
fsr-3776	70	27	.	.	PUNCT
fsr-3776	71	1	3	3	X
fsr-3776	71	2	.	.	X
fsr-3776	71	3	prexisting	prexiste	VERB
fsr-3776	71	4	conditions	condition	NOUN
fsr-3776	71	5	most	most	ADJ
fsr-3776	71	6	dii	dii	NOUN
fsr-3776	71	7	contracts	contract	NOUN
fsr-3776	71	8	contain	contain	VERB
fsr-3776	71	9	a	a	DET
fsr-3776	71	10	preexisting	preexist	VERB
fsr-3776	71	11	conditions	condition	NOUN
fsr-3776	71	12	clause	clause	NOUN
fsr-3776	71	13	.	.	PUNCT
fsr-3776	72	1	if	if	SCONJ
fsr-3776	72	2	a	a	DET
fsr-3776	72	3	disability	disability	NOUN
fsr-3776	72	4	eventually	eventually	ADV
fsr-3776	72	5	arises	arise	VERB
fsr-3776	72	6	out	out	ADP
fsr-3776	72	7	of	of	ADP
fsr-3776	72	8	an	an	DET
fsr-3776	72	9	injury	injury	NOUN
fsr-3776	72	10	or	or	CCONJ
fsr-3776	72	11	illness	illness	NOUN
fsr-3776	72	12	incurred	incur	VERB
fsr-3776	72	13	within	within	ADP
fsr-3776	72	14	a	a	DET
fsr-3776	72	15	specified	specified	ADJ
fsr-3776	72	16	period	period	NOUN
fsr-3776	72	17	-	-	PUNCT
fsr-3776	72	18	such	such	ADJ
fsr-3776	72	19	as	as	ADP
fsr-3776	72	20	six	six	NUM
fsr-3776	72	21	months	month	NOUN
fsr-3776	72	22	before	before	SCONJ
fsr-3776	72	23	the	the	DET
fsr-3776	72	24	policy	policy	NOUN
fsr-3776	72	25	was	be	AUX
fsr-3776	72	26	initiated	initiate	VERB
fsr-3776	72	27	,	,	PUNCT
fsr-3776	72	28	benefits	benefit	NOUN
fsr-3776	72	29	will	will	AUX
fsr-3776	72	30	not	not	PART
fsr-3776	72	31	be	be	AUX
fsr-3776	72	32	paid	pay	VERB
fsr-3776	72	33	.	.	PUNCT
fsr-3776	73	1	insurers	insurer	NOUN
fsr-3776	73	2	include	include	VERB
fsr-3776	73	3	such	such	DET
fsr-3776	73	4	a	a	DET
fsr-3776	73	5	provision	provision	NOUN
fsr-3776	73	6	to	to	PART
fsr-3776	73	7	prevent	prevent	VERB
fsr-3776	73	8	the	the	DET
fsr-3776	73	9	adverse	adverse	ADJ
fsr-3776	73	10	selection	selection	NOUN
fsr-3776	73	11	that	that	PRON
fsr-3776	73	12	would	would	AUX
fsr-3776	73	13	occur	occur	VERB
fsr-3776	73	14	if	if	SCONJ
fsr-3776	73	15	applicants	applicant	NOUN
fsr-3776	73	16	could	could	AUX
fsr-3776	73	17	begin	begin	VERB
fsr-3776	73	18	receiving	receive	VERB
fsr-3776	73	19	insurance	insurance	NOUN
fsr-3776	73	20	coverage	coverage	NOUN
fsr-3776	73	21	after	after	SCONJ
fsr-3776	73	22	probable	probable	ADJ
fsr-3776	73	23	health	health	NOUN
fsr-3776	73	24	problems	problem	NOUN
fsr-3776	73	25	were	be	AUX
fsr-3776	73	26	revealed	reveal	VERB
fsr-3776	73	27	.	.	PUNCT
fsr-3776	74	1	because	because	SCONJ
fsr-3776	74	2	longer	long	ADJ
fsr-3776	74	3	exclusion	exclusion	NOUN
fsr-3776	74	4	periods	period	NOUN
fsr-3776	74	5	reduce	reduce	VERB
fsr-3776	74	6	expected	expect	VERB
fsr-3776	74	7	benefit	benefit	NOUN
fsr-3776	74	8	payments	payment	NOUN
fsr-3776	74	9	to	to	ADP
fsr-3776	74	10	insureds	insured	NOUN
fsr-3776	74	11	,	,	PUNCT
fsr-3776	74	12	we	we	PRON
fsr-3776	74	13	anticipate	anticipate	VERB
fsr-3776	74	14	a	a	DET
fsr-3776	74	15	negative	negative	ADJ
fsr-3776	74	16	relation	relation	NOUN
fsr-3776	74	17	between	between	ADP
fsr-3776	74	18	the	the	DET
fsr-3776	74	19	length	length	NOUN
fsr-3776	74	20	of	of	ADP
fsr-3776	74	21	the	the	DET
fsr-3776	74	22	exclusion	exclusion	NOUN
fsr-3776	74	23	period	period	NOUN
fsr-3776	74	24	and	and	CCONJ
fsr-3776	74	25	policy	policy	NOUN
fsr-3776	74	26	price	price	NOUN
fsr-3776	74	27	.	.	PUNCT
fsr-3776	75	1	4	4	X
fsr-3776	75	2	.	.	X
fsr-3776	75	3	residual	residual	ADJ
fsr-3776	75	4	disability	disability	NOUN
fsr-3776	75	5	benefit	benefit	NOUN
fsr-3776	75	6	dii	dii	NOUN
fsr-3776	75	7	policies	policy	NOUN
fsr-3776	75	8	vary	vary	VERB
fsr-3776	75	9	considerably	considerably	ADV
fsr-3776	75	10	with	with	ADP
fsr-3776	75	11	respect	respect	NOUN
fsr-3776	75	12	to	to	ADP
fsr-3776	75	13	the	the	DET
fsr-3776	75	14	treatment	treatment	NOUN
fsr-3776	75	15	of	of	ADP
fsr-3776	75	16	partial	partial	ADJ
fsr-3776	75	17	disability	disability	NOUN
fsr-3776	75	18	.	.	PUNCT
fsr-3776	76	1	some	some	PRON
fsr-3776	76	2	specify	specify	VERB
fsr-3776	76	3	no	no	DET
fsr-3776	76	4	benefits	benefit	NOUN
fsr-3776	76	5	whatsoever	whatsoever	ADV
fsr-3776	76	6	unless	unless	SCONJ
fsr-3776	76	7	insureds	insured	NOUN
fsr-3776	76	8	meet	meet	VERB
fsr-3776	76	9	the	the	DET
fsr-3776	76	10	total	total	ADJ
fsr-3776	76	11	disability	disability	NOUN
fsr-3776	76	12	definition	definition	NOUN
fsr-3776	76	13	.	.	PUNCT
fsr-3776	77	1	others	other	NOUN
fsr-3776	77	2	provide	provide	VERB
fsr-3776	77	3	payment	payment	NOUN
fsr-3776	77	4	of	of	ADP
fsr-3776	77	5	“	"	PUNCT
fsr-3776	77	6	residual	residual	ADJ
fsr-3776	77	7	”	"	PUNCT
fsr-3776	77	8	benefits	benefit	NOUN
fsr-3776	77	9	only	only	ADV
fsr-3776	77	10	if	if	SCONJ
fsr-3776	77	11	the	the	DET
fsr-3776	77	12	partial	partial	ADJ
fsr-3776	77	13	disability	disability	NOUN
fsr-3776	77	14	follows	follow	VERB
fsr-3776	77	15	a	a	DET
fsr-3776	77	16	previous	previous	ADJ
fsr-3776	77	17	total	total	ADJ
fsr-3776	77	18	disability	disability	NOUN
fsr-3776	77	19	.	.	PUNCT
fsr-3776	78	1	the	the	DET
fsr-3776	78	2	most	most	ADV
fsr-3776	78	3	liberal	liberal	ADJ
fsr-3776	78	4	clause	clause	NOUN
fsr-3776	78	5	pays	pay	VERB
fsr-3776	78	6	benefits	benefit	NOUN
fsr-3776	78	7	for	for	ADP
fsr-3776	78	8	a	a	DET
fsr-3776	78	9	partial	partial	ADJ
fsr-3776	78	10	disability	disability	NOUN
fsr-3776	78	11	whether	whether	SCONJ
fsr-3776	78	12	or	or	CCONJ
fsr-3776	78	13	not	not	PART
fsr-3776	78	14	it	it	PRON
fsr-3776	78	15	is	be	AUX
fsr-3776	78	16	immediately	immediately	ADV
fsr-3776	78	17	preceded	precede	VERB
fsr-3776	78	18	by	by	ADP
fsr-3776	78	19	a	a	DET
fsr-3776	78	20	period	period	NOUN
fsr-3776	78	21	of	of	ADP
fsr-3776	78	22	total	total	ADJ
fsr-3776	78	23	disability	disability	NOUN
fsr-3776	78	24	.	.	PUNCT
fsr-3776	79	1	the	the	DET
fsr-3776	79	2	residual	residual	ADJ
fsr-3776	79	3	disability	disability	NOUN
fsr-3776	79	4	benefit	benefit	NOUN
fsr-3776	79	5	is	be	AUX
fsr-3776	79	6	stated	state	VERB
fsr-3776	79	7	as	as	ADP
fsr-3776	79	8	a	a	DET
fsr-3776	79	9	percentage	percentage	NOUN
fsr-3776	79	10	,	,	PUNCT
fsr-3776	79	11	usually	usually	ADV
fsr-3776	79	12	based	base	VERB
fsr-3776	79	13	on	on	ADP
fsr-3776	79	14	insureds	insured	NOUN
fsr-3776	79	15	’	'	PUNCT
fsr-3776	79	16	weekly	weekly	ADJ
fsr-3776	79	17	work	work	NOUN
fsr-3776	79	18	hours	hour	NOUN
fsr-3776	79	19	during	during	ADP
fsr-3776	79	20	their	their	PRON
fsr-3776	79	21	partial	partial	ADJ
fsr-3776	79	22	disability	disability	NOUN
fsr-3776	79	23	,	,	PUNCT
fsr-3776	79	24	of	of	ADP
fsr-3776	79	25	the	the	DET
fsr-3776	79	26	total	total	ADJ
fsr-3776	79	27	disability	disability	NOUN
fsr-3776	79	28	benefit	benefit	NOUN
fsr-3776	79	29	.	.	PUNCT
fsr-3776	80	1	adding	add	VERB
fsr-3776	80	2	a	a	DET
fsr-3776	80	3	residual	residual	ADJ
fsr-3776	80	4	disability	disability	NOUN
fsr-3776	80	5	provision	provision	NOUN
fsr-3776	80	6	to	to	ADP
fsr-3776	80	7	a	a	DET
fsr-3776	80	8	dii	dii	NOUN
fsr-3776	80	9	contract	contract	NOUN
fsr-3776	80	10	can	can	AUX
fsr-3776	80	11	provide	provide	VERB
fsr-3776	80	12	incentives	incentive	NOUN
fsr-3776	80	13	for	for	SCONJ
fsr-3776	80	14	insureds	insured	NOUN
fsr-3776	80	15	to	to	PART
fsr-3776	80	16	malinger	malinger	VERB
fsr-3776	80	17	.	.	PUNCT
fsr-3776	81	1	many	many	ADJ
fsr-3776	81	2	insurers	insurer	NOUN
fsr-3776	81	3	offer	offer	VERB
fsr-3776	81	4	a	a	DET
fsr-3776	81	5	generous	generous	ADJ
fsr-3776	81	6	residual	residual	ADJ
fsr-3776	81	7	benefit	benefit	NOUN
fsr-3776	81	8	structure	structure	NOUN
fsr-3776	81	9	,	,	PUNCT
fsr-3776	81	10	however	however	ADV
fsr-3776	81	11	,	,	PUNCT
fsr-3776	81	12	to	to	PART
fsr-3776	81	13	increase	increase	VERB
fsr-3776	81	14	disabled	disabled	ADJ
fsr-3776	81	15	insureds	insured	NOUN
fsr-3776	81	16	’	'	PUNCT
fsr-3776	81	17	incentives	incentive	NOUN
fsr-3776	81	18	to	to	PART
fsr-3776	81	19	return	return	VERB
fsr-3776	81	20	to	to	ADP
fsr-3776	81	21	work	work	NOUN
fsr-3776	81	22	,	,	PUNCT
fsr-3776	81	23	thereby	thereby	ADV
fsr-3776	81	24	reducing	reduce	VERB
fsr-3776	81	25	the	the	DET
fsr-3776	81	26	likelihood	likelihood	NOUN
fsr-3776	81	27	of	of	ADP
fsr-3776	81	28	extended	extended	ADJ
fsr-3776	81	29	,	,	PUNCT
fsr-3776	81	30	total	total	ADJ
fsr-3776	81	31	disabilities	disability	NOUN
fsr-3776	81	32	.	.	PUNCT
fsr-3776	82	1	generally	generally	ADV
fsr-3776	82	2	,	,	PUNCT
fsr-3776	82	3	a	a	DET
fsr-3776	82	4	residual	residual	ADJ
fsr-3776	82	5	disability	disability	NOUN
fsr-3776	82	6	benefit	benefit	NOUN
fsr-3776	82	7	should	should	AUX
fsr-3776	82	8	raise	raise	VERB
fsr-3776	82	9	insureds	insured	NOUN
fsr-3776	82	10	’	'	PUNCT
fsr-3776	82	11	expectations	expectation	NOUN
fsr-3776	82	12	of	of	ADP
fsr-3776	82	13	receiving	receive	VERB
fsr-3776	82	14	benefits	benefit	NOUN
fsr-3776	82	15	and	and	CCONJ
fsr-3776	82	16	,	,	PUNCT
fsr-3776	82	17	therefore	therefore	ADV
fsr-3776	82	18	,	,	PUNCT
fsr-3776	82	19	be	be	AUX
fsr-3776	82	20	positively	positively	ADV
fsr-3776	82	21	reflected	reflect	VERB
fsr-3776	82	22	in	in	ADP
fsr-3776	82	23	dii	dii	NOUN
fsr-3776	82	24	prices	price	NOUN
fsr-3776	82	25	.	.	PUNCT
fsr-3776	83	1	these	these	DET
fsr-3776	83	2	prices	price	NOUN
fsr-3776	83	3	should	should	AUX
fsr-3776	83	4	be	be	AUX
fsr-3776	83	5	further	far	ADV
fsr-3776	83	6	enhanced	enhance	VERB
fsr-3776	83	7	if	if	SCONJ
fsr-3776	83	8	residual	residual	ADJ
fsr-3776	83	9	disability	disability	NOUN
fsr-3776	83	10	benefits	benefit	NOUN
fsr-3776	83	11	are	be	AUX
fsr-3776	83	12	not	not	PART
fsr-3776	83	13	conditional	conditional	ADJ
fsr-3776	83	14	on	on	ADP
fsr-3776	83	15	an	an	DET
fsr-3776	83	16	immediately	immediately	ADV
fsr-3776	83	17	preceding	precede	VERB
fsr-3776	83	18	total	total	ADJ
fsr-3776	83	19	disability	disability	NOUN
fsr-3776	83	20	.	.	PUNCT
fsr-3776	84	1	5	5	NUM
fsr-3776	84	2	.	.	X
fsr-3776	84	3	other	other	ADJ
fsr-3776	84	4	contractual	contractual	ADJ
fsr-3776	84	5	provisions	provision	NOUN
fsr-3776	84	6	other	other	ADJ
fsr-3776	84	7	policy	policy	NOUN
fsr-3776	84	8	provisions	provision	NOUN
fsr-3776	84	9	are	be	AUX
fsr-3776	84	10	used	use	VERB
fsr-3776	84	11	to	to	PART
fsr-3776	84	12	control	control	VERB
fsr-3776	84	13	the	the	DET
fsr-3776	84	14	risk	risk	NOUN
fsr-3776	84	15	facing	face	VERB
fsr-3776	84	16	insurers	insurer	NOUN
fsr-3776	84	17	.	.	PUNCT
fsr-3776	85	1	these	these	PRON
fsr-3776	85	2	include	include	VERB
fsr-3776	85	3	clauses	clause	NOUN
fsr-3776	85	4	addressing	address	VERB
fsr-3776	85	5	causes	cause	NOUN
fsr-3776	85	6	of	of	ADP
fsr-3776	85	7	loss	loss	NOUN
fsr-3776	85	8	(	(	PUNCT
fsr-3776	85	9	e.g.	e.g.	ADV
fsr-3776	85	10	,	,	PUNCT
fsr-3776	85	11	sickness	sickness	NOUN
fsr-3776	85	12	and	and	CCONJ
fsr-3776	85	13	accident	accident	NOUN
fsr-3776	85	14	)	)	PUNCT
fsr-3776	85	15	,	,	PUNCT
fsr-3776	85	16	benefit	benefit	NOUN
fsr-3776	85	17	amount	amount	NOUN
fsr-3776	85	18	and	and	CCONJ
fsr-3776	85	19	duration	duration	NOUN
fsr-3776	85	20	,	,	PUNCT
fsr-3776	85	21	and	and	CCONJ
fsr-3776	85	22	the	the	DET
fsr-3776	85	23	market	market	NOUN
fsr-3776	85	24	pricing	pricing	NOUN
fsr-3776	85	25	of	of	ADP
fsr-3776	85	26	disabiriry	disabiriry	ADJ
fsr-3776	85	27	income	income	NOUN
fsr-3776	85	28	insurance	insurance	NOUN
fsr-3776	85	29	113	113	NUM
fsr-3776	85	30	participating	participate	VERB
fsr-3776	85	31	dividends	dividend	NOUN
fsr-3776	85	32	.	.	PUNCT
fsr-3776	86	1	in	in	ADP
fsr-3776	86	2	this	this	DET
fsr-3776	86	3	study	study	NOUN
fsr-3776	86	4	,	,	PUNCT
fsr-3776	86	5	we	we	PRON
fsr-3776	86	6	are	be	AUX
fsr-3776	86	7	able	able	ADJ
fsr-3776	86	8	to	to	PART
fsr-3776	86	9	control	control	VERB
fsr-3776	86	10	for	for	ADP
fsr-3776	86	11	causes	cause	NOUN
fsr-3776	86	12	of	of	ADP
fsr-3776	86	13	loss	loss	NOUN
fsr-3776	86	14	and	and	CCONJ
fsr-3776	86	15	benefit	benefit	NOUN
fsr-3776	86	16	amounts	amount	NOUN
fsr-3776	86	17	and	and	CCONJ
fsr-3776	86	18	durations	duration	NOUN
fsr-3776	86	19	by	by	ADP
fsr-3776	86	20	analyzing	analyze	VERB
fsr-3776	86	21	only	only	ADV
fsr-3776	86	22	policies	policy	NOUN
fsr-3776	86	23	with	with	ADP
fsr-3776	86	24	identical	identical	ADJ
fsr-3776	86	25	provisions	provision	NOUN
fsr-3776	86	26	.	.	PUNCT
fsr-3776	86	27	’	'	PUNCT
fsr-3776	87	1	the	the	DET
fsr-3776	87	2	participa	participa	ADJ
fsr-3776	87	3	tion	tion	NOUN
fsr-3776	87	4	factor	factor	NOUN
fsr-3776	87	5	is	be	AUX
fsr-3776	87	6	perfectly	perfectly	ADV
fsr-3776	87	7	proxied	proxie	VERB
fsr-3776	87	8	by	by	ADP
fsr-3776	87	9	the	the	DET
fsr-3776	87	10	organizational	organizational	ADJ
fsr-3776	87	11	form	form	NOUN
fsr-3776	87	12	variable	variable	NOUN
fsr-3776	87	13	,	,	PUNCT
fsr-3776	87	14	which	which	PRON
fsr-3776	87	15	is	be	AUX
fsr-3776	87	16	among	among	ADP
fsr-3776	87	17	the	the	DET
fsr-3776	87	18	insurer	insurer	NOUN
fsr-3776	87	19	characteristics	characteristic	NOUN
fsr-3776	87	20	discussed	discuss	VERB
fsr-3776	87	21	below	below	ADV
fsr-3776	87	22	.	.	PUNCT
fsr-3776	88	1	b.	b.	PROPN
fsr-3776	88	2	insurer	insurer	PROPN
fsr-3776	88	3	characteristics	characteristics	PROPN
fsr-3776	88	4	1	1	NUM
fsr-3776	88	5	.	.	PUNCT
fsr-3776	88	6	organizational	organizational	ADJ
fsr-3776	88	7	form	form	NOUN
fsr-3776	88	8	the	the	DET
fsr-3776	88	9	major	major	ADJ
fsr-3776	88	10	dii	dii	PROPN
fsr-3776	88	11	insurers	insurer	NOUN
fsr-3776	88	12	have	have	VERB
fsr-3776	88	13	either	either	CCONJ
fsr-3776	88	14	a	a	DET
fsr-3776	88	15	stock	stock	NOUN
fsr-3776	88	16	or	or	CCONJ
fsr-3776	88	17	mutual	mutual	ADJ
fsr-3776	88	18	(	(	PUNCT
fsr-3776	88	19	or	or	CCONJ
fsr-3776	88	20	mutual	mutual	ADJ
fsr-3776	88	21	-	-	PUNCT
fsr-3776	88	22	like	like	ADJ
fsr-3776	88	23	)	)	PUNCT
fsr-3776	88	24	organizational	organizational	ADJ
fsr-3776	88	25	structure	structure	NOUN
fsr-3776	88	26	.	.	PUNCT
fsr-3776	89	1	to	to	PART
fsr-3776	89	2	explain	explain	VERB
fsr-3776	89	3	the	the	DET
fsr-3776	89	4	effects	effect	NOUN
fsr-3776	89	5	of	of	ADP
fsr-3776	89	6	organizational	organizational	ADJ
fsr-3776	89	7	structure	structure	NOUN
fsr-3776	89	8	on	on	ADP
fsr-3776	89	9	the	the	DET
fsr-3776	89	10	corporate	corporate	ADJ
fsr-3776	89	11	policies	policy	NOUN
fsr-3776	89	12	of	of	ADP
fsr-3776	89	13	insurers	insurer	NOUN
fsr-3776	89	14	,	,	PUNCT
fsr-3776	89	15	mayers	mayer	NOUN
fsr-3776	89	16	and	and	CCONJ
fsr-3776	89	17	smith	smith	PROPN
fsr-3776	89	18	(	(	PUNCT
fsr-3776	89	19	198	198	NUM
fsr-3776	89	20	1	1	NUM
fsr-3776	89	21	)	)	PUNCT
fsr-3776	89	22	developed	develop	VERB
fsr-3776	89	23	the	the	DET
fsr-3776	89	24	managerial	managerial	ADJ
fsr-3776	89	25	discretion	discretion	NOUN
fsr-3776	89	26	hypothesis	hypothesis	NOUN
fsr-3776	89	27	(	(	PUNCT
fsr-3776	89	28	mdh	mdh	PROPN
fsr-3776	89	29	)	)	PUNCT
fsr-3776	89	30	.	.	PUNCT
fsr-3776	90	1	they	they	PRON
fsr-3776	90	2	posit	posit	VERB
fsr-3776	90	3	that	that	SCONJ
fsr-3776	90	4	mutual	mutual	ADJ
fsr-3776	90	5	firms	firm	NOUN
fsr-3776	90	6	have	have	VERB
fsr-3776	90	7	a	a	DET
fsr-3776	90	8	comparative	comparative	ADJ
fsr-3776	90	9	advantage	advantage	NOUN
fsr-3776	90	10	in	in	ADP
fsr-3776	90	11	insurance	insurance	NOUN
fsr-3776	90	12	lines	line	NOUN
fsr-3776	90	13	where	where	SCONJ
fsr-3776	90	14	less	less	ADJ
fsr-3776	90	15	managerial	managerial	ADJ
fsr-3776	90	16	discretion	discretion	NOUN
fsr-3776	90	17	is	be	AUX
fsr-3776	90	18	required	require	VERB
fsr-3776	90	19	:	:	PUNCT
fsr-3776	90	20	for	for	ADP
fsr-3776	90	21	example	example	NOUN
fsr-3776	90	22	,	,	PUNCT
fsr-3776	90	23	where	where	SCONJ
fsr-3776	90	24	stable	stable	ADJ
fsr-3776	90	25	actuarial	actuarial	ADJ
fsr-3776	90	26	tables	table	NOUN
fsr-3776	90	27	and	and	CCONJ
fsr-3776	90	28	long	long	ADJ
fsr-3776	90	29	-	-	PUNCT
fsr-3776	90	30	term	term	NOUN
fsr-3776	90	31	contracts	contract	NOUN
fsr-3776	90	32	are	be	AUX
fsr-3776	90	33	the	the	DET
fsr-3776	90	34	norm	norm	NOUN
fsr-3776	90	35	and	and	CCONJ
fsr-3776	90	36	where	where	SCONJ
fsr-3776	90	37	renewal	renewal	NOUN
fsr-3776	90	38	options	option	NOUN
fsr-3776	90	39	are	be	AUX
fsr-3776	90	40	relatively	relatively	ADV
fsr-3776	90	41	valuable	valuable	ADJ
fsr-3776	90	42	(	(	PUNCT
fsr-3776	90	43	mayers	mayers	PROPN
fsr-3776	90	44	&	&	CCONJ
fsr-3776	90	45	smith	smith	PROPN
fsr-3776	90	46	,	,	PUNCT
fsr-3776	90	47	1981	1981	NUM
fsr-3776	90	48	;	;	PUNCT
fsr-3776	90	49	smith	smith	PROPN
fsr-3776	90	50	,	,	PUNCT
fsr-3776	90	51	1986	1986	NUM
fsr-3776	90	52	)	)	PUNCT
fsr-3776	90	53	.	.	PUNCT
fsr-3776	91	1	although	although	SCONJ
fsr-3776	91	2	the	the	DET
fsr-3776	91	3	sensitivity	sensitivity	NOUN
fsr-3776	91	4	of	of	ADP
fsr-3776	91	5	disability	disability	NOUN
fsr-3776	91	6	claims	claim	NOUN
fsr-3776	91	7	to	to	ADP
fsr-3776	91	8	economic	economic	ADJ
fsr-3776	91	9	changes	change	NOUN
fsr-3776	91	10	over	over	ADP
fsr-3776	91	11	time	time	NOUN
fsr-3776	91	12	may	may	AUX
fsr-3776	91	13	make	make	VERB
fsr-3776	91	14	actuarial	actuarial	ADJ
fsr-3776	91	15	tables	table	NOUN
fsr-3776	91	16	somewhat	somewhat	ADV
fsr-3776	91	17	less	less	ADV
fsr-3776	91	18	stable	stable	ADJ
fsr-3776	91	19	than	than	ADP
fsr-3776	91	20	those	those	PRON
fsr-3776	91	21	for	for	ADP
fsr-3776	91	22	life	life	NOUN
fsr-3776	91	23	insurance	insurance	NOUN
fsr-3776	91	24	,	,	PUNCT
fsr-3776	91	25	the	the	DET
fsr-3776	91	26	dii	dii	NOUN
fsr-3776	91	27	market	market	NOUN
fsr-3776	91	28	is	be	AUX
fsr-3776	91	29	characterized	characterize	VERB
fsr-3776	91	30	by	by	ADP
fsr-3776	91	31	relatively	relatively	ADV
fsr-3776	91	32	well	well	ADV
fsr-3776	91	33	-	-	PUNCT
fsr-3776	91	34	defined	define	VERB
fsr-3776	91	35	actuarial	actuarial	ADJ
fsr-3776	91	36	experience	experience	NOUN
fsr-3776	91	37	,	,	PUNCT
fsr-3776	91	38	long	long	ADJ
fsr-3776	91	39	-	-	PUNCT
fsr-3776	91	40	term	term	NOUN
fsr-3776	91	41	contracts	contract	NOUN
fsr-3776	91	42	,	,	PUNCT
fsr-3776	91	43	and	and	CCONJ
fsr-3776	91	44	the	the	DET
fsr-3776	91	45	great	great	ADJ
fsr-3776	91	46	importance	importance	NOUN
fsr-3776	91	47	of	of	ADP
fsr-3776	91	48	renewal	renewal	NOUN
fsr-3776	91	49	options	option	NOUN
fsr-3776	91	50	.	.	PUNCT
fsr-3776	92	1	if	if	SCONJ
fsr-3776	92	2	the	the	DET
fsr-3776	92	3	costs	cost	NOUN
fsr-3776	92	4	of	of	ADP
fsr-3776	92	5	controlling	control	VERB
fsr-3776	92	6	insurer	insurer	NOUN
fsr-3776	92	7	management	management	NOUN
fsr-3776	92	8	are	be	AUX
fsr-3776	92	9	lower	low	ADJ
fsr-3776	92	10	for	for	ADP
fsr-3776	92	11	mutual	mutual	ADJ
fsr-3776	92	12	firms	firm	NOUN
fsr-3776	92	13	in	in	ADP
fsr-3776	92	14	such	such	DET
fsr-3776	92	15	an	an	DET
fsr-3776	92	16	environment	environment	NOUN
fsr-3776	92	17	,	,	PUNCT
fsr-3776	92	18	then	then	ADV
fsr-3776	92	19	consumers	consumer	NOUN
fsr-3776	92	20	will	will	AUX
fsr-3776	92	21	discount	discount	VERB
fsr-3776	92	22	prices	price	NOUN
fsr-3776	92	23	for	for	ADP
fsr-3776	92	24	dii	dii	NOUN
fsr-3776	92	25	issued	issue	VERB
fsr-3776	92	26	by	by	ADP
fsr-3776	92	27	stock	stock	NOUN
fsr-3776	92	28	insurers	insurer	NOUN
fsr-3776	92	29	.	.	PUNCT
fsr-3776	93	1	stock	stock	NOUN
fsr-3776	93	2	firms	firm	NOUN
fsr-3776	93	3	can	can	AUX
fsr-3776	93	4	overcome	overcome	VERB
fsr-3776	93	5	this	this	DET
fsr-3776	93	6	disadvantage	disadvantage	NOUN
fsr-3776	93	7	,	,	PUNCT
fsr-3776	93	8	however	however	ADV
fsr-3776	93	9	,	,	PUNCT
fsr-3776	93	10	if	if	SCONJ
fsr-3776	93	11	stockholders	stockholder	NOUN
fsr-3776	93	12	agree	agree	VERB
fsr-3776	93	13	to	to	PART
fsr-3776	93	14	limit	limit	VERB
fsr-3776	93	15	dividend	dividend	NOUN
fsr-3776	93	16	,	,	PUNCT
fsr-3776	93	17	investment	investment	NOUN
fsr-3776	93	18	,	,	PUNCT
fsr-3776	93	19	and	and	CCONJ
fsr-3776	93	20	financing	financing	NOUN
fsr-3776	93	21	policies	policy	NOUN
fsr-3776	93	22	(	(	PUNCT
fsr-3776	93	23	mayers	mayers	PROPN
fsr-3776	93	24	&	&	CCONJ
fsr-3776	93	25	smith	smith	PROPN
fsr-3776	93	26	,	,	PUNCT
fsr-3776	93	27	1981	1981	NUM
fsr-3776	93	28	)	)	PUNCT
fsr-3776	93	29	.	.	PUNCT
fsr-3776	94	1	the	the	DET
fsr-3776	94	2	evidence	evidence	NOUN
fsr-3776	94	3	regarding	regard	VERB
fsr-3776	94	4	the	the	DET
fsr-3776	94	5	impact	impact	NOUN
fsr-3776	94	6	of	of	ADP
fsr-3776	94	7	organizational	organizational	ADJ
fsr-3776	94	8	form	form	NOUN
fsr-3776	94	9	on	on	ADP
fsr-3776	94	10	insurance	insurance	NOUN
fsr-3776	94	11	prices	price	NOUN
fsr-3776	94	12	is	be	AUX
fsr-3776	94	13	both	both	ADV
fsr-3776	94	14	scant	scant	ADJ
fsr-3776	94	15	and	and	CCONJ
fsr-3776	94	16	mixed	mixed	ADJ
fsr-3776	94	17	.	.	PUNCT
fsr-3776	95	1	myers	myers	PROPN
fsr-3776	95	2	and	and	CCONJ
fsr-3776	95	3	pritchett	pritchett	PROPN
fsr-3776	95	4	(	(	PUNCT
fsr-3776	95	5	1983	1983	NUM
fsr-3776	95	6	)	)	PUNCT
fsr-3776	95	7	observed	observe	VERB
fsr-3776	95	8	higher	high	ADJ
fsr-3776	95	9	premiums	premium	NOUN
fsr-3776	95	10	for	for	ADP
fsr-3776	95	11	the	the	DET
fsr-3776	95	12	participating	participate	VERB
fsr-3776	95	13	life	life	NOUN
fsr-3776	95	14	insurance	insurance	NOUN
fsr-3776	95	15	policies	policy	NOUN
fsr-3776	95	16	issued	issue	VERB
fsr-3776	95	17	by	by	ADP
fsr-3776	95	18	mutual	mutual	ADJ
fsr-3776	95	19	insurers	insurer	NOUN
fsr-3776	95	20	versus	versus	ADP
fsr-3776	95	21	those	those	PRON
fsr-3776	95	22	issued	issue	VERB
fsr-3776	95	23	by	by	ADP
fsr-3776	95	24	stock	stock	NOUN
fsr-3776	95	25	insurers	insurer	NOUN
fsr-3776	95	26	.	.	PUNCT
fsr-3776	96	1	walden	walden	PROPN
fsr-3776	96	2	(	(	PUNCT
fsr-3776	96	3	1985	1985	NUM
fsr-3776	96	4	)	)	PUNCT
fsr-3776	96	5	did	do	AUX
fsr-3776	96	6	not	not	PART
fsr-3776	96	7	find	find	VERB
fsr-3776	96	8	organizational	organizational	ADJ
fsr-3776	96	9	form	form	NOUN
fsr-3776	96	10	to	to	PART
fsr-3776	96	11	be	be	AUX
fsr-3776	96	12	a	a	DET
fsr-3776	96	13	significant	significant	ADJ
fsr-3776	96	14	factor	factor	NOUN
fsr-3776	96	15	affecting	affect	VERB
fsr-3776	96	16	life	life	NOUN
fsr-3776	96	17	insurance	insurance	NOUN
fsr-3776	96	18	prices	price	NOUN
fsr-3776	96	19	when	when	SCONJ
fsr-3776	96	20	other	other	ADJ
fsr-3776	96	21	contract	contract	NOUN
fsr-3776	96	22	and	and	CCONJ
fsr-3776	96	23	insurer	insurer	NOUN
fsr-3776	96	24	variables	variable	NOUN
fsr-3776	96	25	were	be	AUX
fsr-3776	96	26	considered	consider	VERB
fsr-3776	96	27	,	,	PUNCT
fsr-3776	96	28	however	however	ADV
fsr-3776	96	29	.	.	PUNCT
fsr-3776	97	1	given	give	VERB
fsr-3776	97	2	the	the	DET
fsr-3776	97	3	conflicting	conflict	VERB
fsr-3776	97	4	empirical	empirical	ADJ
fsr-3776	97	5	evidence	evidence	NOUN
fsr-3776	97	6	and	and	CCONJ
fsr-3776	97	7	the	the	DET
fsr-3776	97	8	countervailing	countervailing	ADJ
fsr-3776	97	9	theoretical	theoretical	ADJ
fsr-3776	97	10	arguments	argument	NOUN
fsr-3776	97	11	of	of	ADP
fsr-3776	97	12	mayers	mayer	NOUN
fsr-3776	97	13	and	and	CCONJ
fsr-3776	97	14	smith	smith	PROPN
fsr-3776	97	15	,	,	PUNCT
fsr-3776	97	16	we	we	PRON
fsr-3776	97	17	can	can	AUX
fsr-3776	97	18	not	not	PART
fsr-3776	97	19	predict	predict	VERB
fsr-3776	97	20	the	the	DET
fsr-3776	97	21	direction	direction	NOUN
fsr-3776	97	22	of	of	ADP
fsr-3776	97	23	any	any	DET
fsr-3776	97	24	relation	relation	NOUN
fsr-3776	97	25	between	between	ADP
fsr-3776	97	26	organizational	organizational	ADJ
fsr-3776	97	27	form	form	NOUN
fsr-3776	97	28	and	and	CCONJ
fsr-3776	97	29	dii	dii	NOUN
fsr-3776	97	30	prices	price	NOUN
fsr-3776	97	31	.	.	PUNCT
fsr-3776	98	1	2	2	X
fsr-3776	98	2	.	.	X
fsr-3776	98	3	default	default	NOUN
fsr-3776	98	4	risk	risk	NOUN
fsr-3776	98	5	in	in	ADP
fsr-3776	98	6	well	well	ADV
fsr-3776	98	7	-	-	PUNCT
fsr-3776	98	8	functioning	function	VERB
fsr-3776	98	9	markets	market	NOUN
fsr-3776	98	10	,	,	PUNCT
fsr-3776	98	11	insureds	insured	NOUN
fsr-3776	98	12	should	should	AUX
fsr-3776	98	13	discount	discount	VERB
fsr-3776	98	14	prices	price	NOUN
fsr-3776	98	15	of	of	ADP
fsr-3776	98	16	dii	dii	NOUN
fsr-3776	98	17	issued	issue	VERB
fsr-3776	98	18	by	by	ADP
fsr-3776	98	19	insurers	insurer	NOUN
fsr-3776	98	20	with	with	ADP
fsr-3776	98	21	greater	great	ADJ
fsr-3776	98	22	default	default	NOUN
fsr-3776	98	23	risk	risk	NOUN
fsr-3776	98	24	.	.	PUNCT
fsr-3776	99	1	we	we	PRON
fsr-3776	99	2	expect	expect	VERB
fsr-3776	99	3	a	a	DET
fsr-3776	99	4	negative	negative	ADJ
fsr-3776	99	5	relation	relation	NOUN
fsr-3776	99	6	between	between	ADP
fsr-3776	99	7	dii	dii	NOUN
fsr-3776	99	8	prices	price	NOUN
fsr-3776	99	9	and	and	CCONJ
fsr-3776	99	10	the	the	DET
fsr-3776	99	11	default	default	NOUN
fsr-3776	99	12	risk	risk	NOUN
fsr-3776	99	13	of	of	ADP
fsr-3776	99	14	insurers	insurer	NOUN
fsr-3776	99	15	.	.	PUNCT
fsr-3776	100	1	further	far	ADV
fsr-3776	100	2	,	,	PUNCT
fsr-3776	100	3	we	we	PRON
fsr-3776	100	4	expect	expect	VERB
fsr-3776	100	5	buyers	buyer	NOUN
fsr-3776	100	6	of	of	ADP
fsr-3776	100	7	longer	long	ADJ
fsr-3776	100	8	duration	duration	NOUN
fsr-3776	100	9	policies	policy	NOUN
fsr-3776	100	10	to	to	PART
fsr-3776	100	11	be	be	AUX
fsr-3776	100	12	relatively	relatively	ADV
fsr-3776	100	13	more	more	ADV
fsr-3776	100	14	concerned	concerned	ADJ
fsr-3776	100	15	with	with	ADP
fsr-3776	100	16	default	default	NOUN
fsr-3776	100	17	risk	risk	NOUN
fsr-3776	100	18	because	because	SCONJ
fsr-3776	100	19	of	of	ADP
fsr-3776	100	20	the	the	DET
fsr-3776	100	21	greater	great	ADJ
fsr-3776	100	22	magnitude	magnitude	NOUN
fsr-3776	100	23	of	of	ADP
fsr-3776	100	24	their	their	PRON
fsr-3776	100	25	potential	potential	ADJ
fsr-3776	100	26	claims	claim	NOUN
fsr-3776	100	27	.	.	PUNCT
fsr-3776	101	1	3	3	X
fsr-3776	101	2	.	.	X
fsr-3776	101	3	market	market	NOUN
fsr-3776	101	4	share	share	NOUN
fsr-3776	101	5	higgins	higgins	PROPN
fsr-3776	101	6	,	,	PUNCT
fsr-3776	101	7	shughart	shughart	NOUN
fsr-3776	101	8	,	,	PUNCT
fsr-3776	101	9	and	and	CCONJ
fsr-3776	101	10	tollison	tollison	PROPN
fsr-3776	101	11	(	(	PUNCT
fsr-3776	101	12	hst	hst	PROPN
fsr-3776	101	13	,	,	PUNCT
fsr-3776	101	14	1989	1989	NUM
fsr-3776	101	15	)	)	PUNCT
fsr-3776	101	16	show	show	VERB
fsr-3776	101	17	that	that	SCONJ
fsr-3776	101	18	firms	firm	NOUN
fsr-3776	101	19	with	with	ADP
fsr-3776	101	20	larger	large	ADJ
fsr-3776	101	21	market	market	NOUN
fsr-3776	101	22	shares	share	NOUN
fsr-3776	101	23	strive	strive	VERB
fsr-3776	101	24	to	to	PART
fsr-3776	101	25	acquire	acquire	VERB
fsr-3776	101	26	more	more	ADJ
fsr-3776	101	27	market	market	NOUN
fsr-3776	101	28	information	information	NOUN
fsr-3776	101	29	and	and	CCONJ
fsr-3776	101	30	this	this	PRON
fsr-3776	101	31	leads	lead	VERB
fsr-3776	101	32	to	to	ADP
fsr-3776	101	33	greater	great	ADJ
fsr-3776	101	34	variation	variation	NOUN
fsr-3776	101	35	in	in	ADP
fsr-3776	101	36	both	both	DET
fsr-3776	101	37	price	price	NOUN
fsr-3776	101	38	and	and	CCONJ
fsr-3776	101	39	such	such	ADJ
fsr-3776	101	40	non	non	ADJ
fsr-3776	101	41	-	-	ADJ
fsr-3776	101	42	price	price	ADJ
fsr-3776	101	43	characteristics	characteristic	NOUN
fsr-3776	101	44	as	as	ADP
fsr-3776	101	45	product	product	NOUN
fsr-3776	101	46	quality	quality	NOUN
fsr-3776	101	47	.	.	PUNCT
fsr-3776	102	1	hst	hst	PROPN
fsr-3776	102	2	conclude	conclude	VERB
fsr-3776	102	3	that	that	SCONJ
fsr-3776	102	4	higher	high	ADJ
fsr-3776	102	5	market	market	NOUN
fsr-3776	102	6	share	share	NOUN
fsr-3776	102	7	will	will	AUX
fsr-3776	102	8	increase	increase	VERB
fsr-3776	102	9	the	the	DET
fsr-3776	102	10	degree	degree	NOUN
fsr-3776	102	11	to	to	PART
fsr-3776	102	12	which	which	PRON
fsr-3776	102	13	differentiated	differentiated	ADJ
fsr-3776	102	14	price	price	NOUN
fsr-3776	102	15	-	-	PUNCT
fsr-3776	102	16	quality	quality	NOUN
fsr-3776	102	17	combinations	combination	NOUN
fsr-3776	102	18	are	be	AUX
fsr-3776	102	19	offered	offer	VERB
fsr-3776	102	20	to	to	ADP
fsr-3776	102	21	consumers	consumer	NOUN
fsr-3776	102	22	.	.	PUNCT
fsr-3776	103	1	if	if	SCONJ
fsr-3776	103	2	larger	large	ADJ
fsr-3776	103	3	firms	firm	NOUN
fsr-3776	103	4	are	be	AUX
fsr-3776	103	5	able	able	ADJ
fsr-3776	103	6	to	to	PART
fsr-3776	103	7	command	command	VERB
fsr-3776	103	8	premium	premium	NOUN
fsr-3776	103	9	prices	price	NOUN
fsr-3776	103	10	by	by	ADP
fsr-3776	103	11	offering	offer	VERB
fsr-3776	103	12	attractive	attractive	ADJ
fsr-3776	103	13	non	non	ADJ
fsr-3776	103	14	-	-	ADJ
fsr-3776	103	15	price	price	ADJ
fsr-3776	103	16	characteristics	characteristic	NOUN
fsr-3776	103	17	,	,	PUNCT
fsr-3776	103	18	as	as	SCONJ
fsr-3776	103	19	suggested	suggest	VERB
fsr-3776	103	20	by	by	ADP
fsr-3776	103	21	both	both	DET
fsr-3776	103	22	hst	hst	PROPN
fsr-3776	103	23	and	and	CCONJ
fsr-3776	103	24	carlton	carlton	PROPN
fsr-3776	103	25	(	(	PUNCT
fsr-3776	103	26	1986	1986	NUM
fsr-3776	103	27	)	)	PUNCT
fsr-3776	103	28	,	,	PUNCT
fsr-3776	103	29	the	the	DET
fsr-3776	103	30	relation	relation	NOUN
fsr-3776	103	31	between	between	ADP
fsr-3776	103	32	market	market	NOUN
fsr-3776	103	33	share	share	NOUN
fsr-3776	103	34	and	and	CCONJ
fsr-3776	103	35	dii	dii	NOUN
fsr-3776	103	36	prices	price	NOUN
fsr-3776	103	37	will	will	AUX
fsr-3776	103	38	be	be	AUX
fsr-3776	103	39	positive	positive	ADJ
fsr-3776	103	40	.	.	PUNCT
fsr-3776	104	1	114	114	NUM
fsr-3776	104	2	financial	financial	ADJ
fsr-3776	104	3	services	service	NOUN
fsr-3776	104	4	review	review	NOUN
fsr-3776	104	5	4(2	4(2	NUM
fsr-3776	104	6	)	)	PUNCT
fsr-3776	104	7	1995	1995	NUM
fsr-3776	104	8	iv	iv	NUM
fsr-3776	104	9	.	.	PUNCT
fsr-3776	105	1	research	research	NOUN
fsr-3776	105	2	design	design	NOUN
fsr-3776	105	3	a.	a.	NOUN
fsr-3776	105	4	data	datum	NOUN
fsr-3776	105	5	our	our	PRON
fsr-3776	105	6	data	datum	NOUN
fsr-3776	105	7	encompass	encompass	VERB
fsr-3776	105	8	dii	dii	PROPN
fsr-3776	105	9	prices	price	NOUN
fsr-3776	105	10	for	for	ADP
fsr-3776	105	11	54	54	NUM
fsr-3776	105	12	insurers	insurer	NOUN
fsr-3776	105	13	at	at	ADP
fsr-3776	105	14	year	year	NOUN
fsr-3776	105	15	-	-	PUNCT
fsr-3776	105	16	end	end	NOUN
fsr-3776	105	17	1988	1988	NUM
fsr-3776	105	18	collected	collect	VERB
fsr-3776	105	19	from	from	ADP
fsr-3776	105	20	national	national	ADJ
fsr-3776	105	21	underwriter	underwriter	NOUN
fsr-3776	105	22	company	company	NOUN
fsr-3776	105	23	’s	’s	PART
fsr-3776	105	24	1989	1989	NUM
fsr-3776	105	25	disability	disability	NOUN
fsr-3776	105	26	income	income	NOUN
fsr-3776	105	27	&	&	CCONJ
fsr-3776	105	28	health	health	NOUN
fsr-3776	105	29	insurance	insurance	NOUN
fsr-3776	105	30	.	.	PUNCT
fsr-3776	106	1	these	these	DET
fsr-3776	106	2	data	datum	NOUN
fsr-3776	106	3	allow	allow	VERB
fsr-3776	106	4	us	we	PRON
fsr-3776	106	5	a	a	DET
fsr-3776	106	6	relatively	relatively	ADV
fsr-3776	106	7	large	large	ADJ
fsr-3776	106	8	number	number	NOUN
fsr-3776	106	9	of	of	ADP
fsr-3776	106	10	observations	observation	NOUN
fsr-3776	106	11	,	,	PUNCT
fsr-3776	106	12	because	because	SCONJ
fsr-3776	106	13	after	after	ADP
fsr-3776	106	14	1988	1988	NUM
fsr-3776	106	15	many	many	ADJ
fsr-3776	106	16	large	large	ADJ
fsr-3776	106	17	insurers	insurer	NOUN
fsr-3776	106	18	began	begin	VERB
fsr-3776	106	19	marketing	marketing	NOUN
fsr-3776	106	20	products	product	NOUN
fsr-3776	106	21	of	of	ADP
fsr-3776	106	22	the	the	DET
fsr-3776	106	23	largest	large	ADJ
fsr-3776	106	24	dii	dii	NOUN
fsr-3776	106	25	issuers	issuer	NOUN
fsr-3776	106	26	via	via	ADP
fsr-3776	106	27	private	private	ADJ
fsr-3776	106	28	labelling	labelling	NOUN
fsr-3776	106	29	or	or	CCONJ
fsr-3776	106	30	co	co	NOUN
fsr-3776	106	31	-	-	ADJ
fsr-3776	106	32	marketing	marketing	ADJ
fsr-3776	106	33	agree	agree	ADJ
fsr-3776	106	34	ments	ment	NOUN
fsr-3776	106	35	(	(	PUNCT
fsr-3776	106	36	conning	con	VERB
fsr-3776	106	37	&	&	CCONJ
fsr-3776	106	38	company	company	NOUN
fsr-3776	106	39	,	,	PUNCT
fsr-3776	106	40	1993	1993	NUM
fsr-3776	106	41	,	,	PUNCT
fsr-3776	106	42	pp	pp	ADV
fsr-3776	106	43	.	.	PUNCT
fsr-3776	107	1	48	48	NUM
fsr-3776	107	2	-	-	SYM
fsr-3776	107	3	50	50	NUM
fsr-3776	107	4	)	)	PUNCT
fsr-3776	107	5	.	.	PUNCT
fsr-3776	108	1	discount	discount	NOUN
fsr-3776	108	2	rates	rate	NOUN
fsr-3776	108	3	are	be	AUX
fsr-3776	108	4	derived	derive	VERB
fsr-3776	108	5	from	from	ADP
fsr-3776	108	6	seasoned	seasoned	ADJ
fsr-3776	108	7	u.s	u.s	PROPN
fsr-3776	108	8	.	.	PROPN
fsr-3776	108	9	treasury	treasury	PROPN
fsr-3776	108	10	bond	bond	NOUN
fsr-3776	108	11	rates	rate	NOUN
fsr-3776	108	12	as	as	ADP
fsr-3776	108	13	of	of	ADP
fsr-3776	108	14	december	december	PROPN
fsr-3776	108	15	30	30	NUM
fsr-3776	108	16	,	,	PUNCT
fsr-3776	108	17	1988	1988	NUM
fsr-3776	108	18	.	.	PUNCT
fsr-3776	109	1	to	to	PART
fsr-3776	109	2	estimate	estimate	VERB
fsr-3776	109	3	default	default	NOUN
fsr-3776	109	4	risk	risk	NOUN
fsr-3776	109	5	,	,	PUNCT
fsr-3776	109	6	we	we	PRON
fsr-3776	109	7	use	use	VERB
fsr-3776	109	8	insurance	insurance	NOUN
fsr-3776	109	9	regulatory	regulatory	ADJ
fsr-3776	109	10	information	information	NOUN
fsr-3776	109	11	system	system	NOUN
fsr-3776	109	12	(	(	PUNCT
fsr-3776	109	13	iris	iris	NOUN
fsr-3776	109	14	)	)	PUNCT
fsr-3776	109	15	ratios	ratio	NOUN
fsr-3776	109	16	published	publish	VERB
fsr-3776	109	17	by	by	ADP
fsr-3776	109	18	the	the	DET
fsr-3776	109	19	national	national	PROPN
fsr-3776	109	20	association	association	PROPN
fsr-3776	109	21	of	of	ADP
fsr-3776	109	22	insurance	insurance	NOUN
fsr-3776	109	23	commissioners	commissioner	NOUN
fsr-3776	109	24	(	(	PUNCT
fsr-3776	109	25	naic	naic	PROPN
fsr-3776	109	26	;	;	PUNCT
fsr-3776	109	27	1989	1989	NUM
fsr-3776	109	28	)	)	PUNCT
fsr-3776	109	29	.	.	PUNCT
fsr-3776	110	1	the	the	DET
fsr-3776	110	2	naic	naic	PROPN
fsr-3776	110	3	uses	use	VERB
fsr-3776	110	4	the	the	DET
fsr-3776	110	5	12	12	NUM
fsr-3776	110	6	iris	iris	NOUN
fsr-3776	110	7	ratios	ratio	NOUN
fsr-3776	110	8	as	as	ADP
fsr-3776	110	9	an	an	DET
fsr-3776	110	10	initial	initial	ADJ
fsr-3776	110	11	screen	screen	NOUN
fsr-3776	110	12	of	of	ADP
fsr-3776	110	13	insurer	insurer	NOUN
fsr-3776	110	14	solvency	solvency	NOUN
fsr-3776	110	15	.	.	PUNCT
fsr-3776	111	1	insurers	insurer	NOUN
fsr-3776	111	2	with	with	ADP
fsr-3776	111	3	four	four	NUM
fsr-3776	111	4	or	or	CCONJ
fsr-3776	111	5	more	more	ADJ
fsr-3776	111	6	ratios	ratio	NOUN
fsr-3776	111	7	outside	outside	ADP
fsr-3776	111	8	defined	define	VERB
fsr-3776	111	9	“	"	PUNCT
fsr-3776	111	10	usual	usual	ADJ
fsr-3776	111	11	ranges	range	NOUN
fsr-3776	111	12	”	"	PUNCT
fsr-3776	111	13	for	for	ADP
fsr-3776	111	14	each	each	DET
fsr-3776	111	15	ratio	ratio	NOUN
fsr-3776	111	16	are	be	AUX
fsr-3776	111	17	reviewed	review	VERB
fsr-3776	111	18	more	more	ADV
fsr-3776	111	19	closely	closely	ADV
fsr-3776	111	20	by	by	ADP
fsr-3776	111	21	regulators	regulator	NOUN
fsr-3776	111	22	to	to	PART
fsr-3776	111	23	determine	determine	VERB
fsr-3776	111	24	if	if	SCONJ
fsr-3776	111	25	remedial	remedial	ADJ
fsr-3776	111	26	measures	measure	NOUN
fsr-3776	111	27	must	must	AUX
fsr-3776	111	28	be	be	AUX
fsr-3776	111	29	taken	take	VERB
fsr-3776	111	30	.	.	PUNCT
fsr-3776	112	1	market	market	NOUN
fsr-3776	112	2	shares	share	NOUN
fsr-3776	112	3	are	be	AUX
fsr-3776	112	4	calculated	calculate	VERB
fsr-3776	112	5	from	from	ADP
fsr-3776	112	6	survey	survey	NOUN
fsr-3776	112	7	data	datum	NOUN
fsr-3776	112	8	published	publish	VERB
fsr-3776	112	9	by	by	ADP
fsr-3776	112	10	limra	limra	NOUN
fsr-3776	112	11	(	(	PUNCT
fsr-3776	112	12	1989	1989	NUM
fsr-3776	112	13	)	)	PUNCT
fsr-3776	112	14	.	.	PUNCT
fsr-3776	113	1	b.	b.	PROPN
fsr-3776	113	2	method	method	PROPN
fsr-3776	113	3	1	1	NUM
fsr-3776	113	4	.	.	PUNCT
fsr-3776	113	5	test	test	NOUN
fsr-3776	113	6	model	model	NOUN
fsr-3776	113	7	the	the	DET
fsr-3776	113	8	characteristics	characteristics	PROPN
fsr-3776	113	9	model	model	NOUN
fsr-3776	113	10	,	,	PUNCT
fsr-3776	113	11	first	first	ADV
fsr-3776	113	12	introduced	introduce	VERB
fsr-3776	113	13	by	by	ADP
fsr-3776	113	14	lancaster	lancaster	PROPN
fsr-3776	113	15	(	(	PUNCT
fsr-3776	113	16	1971	1971	NUM
fsr-3776	113	17	)	)	PUNCT
fsr-3776	113	18	,	,	PUNCT
fsr-3776	113	19	allows	allow	VERB
fsr-3776	113	20	the	the	DET
fsr-3776	113	21	hedonic	hedonic	ADJ
fsr-3776	113	22	decomposition	decomposition	NOUN
fsr-3776	113	23	of	of	ADP
fsr-3776	113	24	prices	price	NOUN
fsr-3776	113	25	.	.	PUNCT
fsr-3776	114	1	we	we	PRON
fsr-3776	114	2	employ	employ	VERB
fsr-3776	114	3	ols	ol	NOUN
fsr-3776	114	4	regression	regression	NOUN
fsr-3776	114	5	to	to	PART
fsr-3776	114	6	estimate	estimate	VERB
fsr-3776	114	7	the	the	DET
fsr-3776	114	8	dii	dii	PROPN
fsr-3776	114	9	pricing	pricing	PROPN
fsr-3776	114	10	relation	relation	NOUN
fsr-3776	114	11	.	.	PUNCT
fsr-3776	115	1	jones	jones	PROPN
fsr-3776	115	2	(	(	PUNCT
fsr-3776	115	3	1988	1988	NUM
fsr-3776	115	4	)	)	PUNCT
fsr-3776	115	5	verifies	verifie	NOUN
fsr-3776	115	6	that	that	SCONJ
fsr-3776	115	7	this	this	DET
fsr-3776	115	8	approach	approach	NOUN
fsr-3776	115	9	is	be	AUX
fsr-3776	115	10	robust	robust	ADJ
fsr-3776	115	11	over	over	ADP
fsr-3776	115	12	nonlinear	nonlinear	ADJ
fsr-3776	115	13	price	price	NOUN
fsr-3776	115	14	functions	function	NOUN
fsr-3776	115	15	and	and	CCONJ
fsr-3776	115	16	different	different	ADJ
fsr-3776	115	17	market	market	NOUN
fsr-3776	115	18	structures	structure	NOUN
fsr-3776	115	19	.	.	PUNCT
fsr-3776	116	1	our	our	PRON
fsr-3776	116	2	model	model	NOUN
fsr-3776	116	3	follows	follow	VERB
fsr-3776	116	4	:	:	PUNCT
fsr-3776	116	5	dp	dp	X
fsr-3776	116	6	=	=	PUNCT
fsr-3776	116	7	y.	y.	PROPN
fsr-3776	116	8	+	+	NUM
fsr-3776	116	9	ylep	ylep	NOUN
fsr-3776	117	1	+	+	CCONJ
fsr-3776	117	2	y2prex	y2prex	PROPN
fsr-3776	117	3	+	+	SYM
fsr-3776	117	4	y3def	y3def	NOUN
fsr-3776	118	1	+	+	CCONJ
fsr-3776	118	2	y&id1	y&id1	ADV
fsr-3776	119	1	+	+	CCONJ
fsr-3776	119	2	y5rsid1	y5rsid1	PROPN
fsr-3776	119	3	*	*	PUNCT
fsr-3776	119	4	rsid2	rsid2	NOUN
fsr-3776	120	1	+	+	CCONJ
fsr-3776	120	2	y60rg	y60rg	NOUN
fsr-3776	121	1	+	+	CCONJ
fsr-3776	121	2	y	y	NOUN
fsr-3776	121	3	,	,	PUNCT
fsr-3776	121	4	drisk	drisk	NOUN
fsr-3776	121	5	+	+	CCONJ
fsr-3776	121	6	ysms	ysm	NOUN
fsr-3776	121	7	+	+	CCONJ
fsr-3776	121	8	e	e	X
fsr-3776	121	9	(	(	PUNCT
fsr-3776	121	10	1	1	NUM
fsr-3776	121	11	)	)	PUNCT
fsr-3776	121	12	where	where	SCONJ
fsr-3776	121	13	:	:	PUNCT
fsr-3776	121	14	dp	dp	NOUN
fsr-3776	121	15	=	=	NOUN
fsr-3776	121	16	price	price	NOUN
fsr-3776	121	17	of	of	ADP
fsr-3776	121	18	the	the	DET
fsr-3776	121	19	disability	disability	NOUN
fsr-3776	121	20	income	income	NOUN
fsr-3776	121	21	insurance	insurance	NOUN
fsr-3776	121	22	,	,	PUNCT
fsr-3776	121	23	ep	ep	NOUN
fsr-3776	121	24	=	=	PUNCT
fsr-3776	121	25	elimination	elimination	NOUN
fsr-3776	121	26	period	period	NOUN
fsr-3776	121	27	,	,	PUNCT
fsr-3776	121	28	def	def	ADJ
fsr-3776	121	29	=	=	NOUN
fsr-3776	121	30	definition	definition	NOUN
fsr-3776	121	31	of	of	ADP
fsr-3776	121	32	disability	disability	NOUN
fsr-3776	121	33	,	,	PUNCT
fsr-3776	121	34	prex	prex	NOUN
fsr-3776	121	35	=	=	PUNCT
fsr-3776	121	36	exclusion	exclusion	NOUN
fsr-3776	121	37	period	period	NOUN
fsr-3776	121	38	for	for	ADP
fsr-3776	121	39	preexisting	preexist	VERB
fsr-3776	121	40	conditions	condition	NOUN
fsr-3776	121	41	,	,	PUNCT
fsr-3776	121	42	rsidi	rsidi	NOUN
fsr-3776	121	43	=	=	SYM
fsr-3776	121	44	residual	residual	ADJ
fsr-3776	121	45	disability	disability	NOUN
fsr-3776	121	46	benefit	benefit	NOUN
fsr-3776	121	47	(	(	PUNCT
fsr-3776	121	48	yes	yes	INTJ
fsr-3776	121	49	=	=	SYM
fsr-3776	121	50	1	1	NUM
fsr-3776	121	51	;	;	PUNCT
fsr-3776	121	52	no	no	DET
fsr-3776	121	53	=	=	NOUN
fsr-3776	121	54	0	0	NUM
fsr-3776	121	55	)	)	PUNCT
fsr-3776	121	56	,	,	PUNCT
fsr-3776	121	57	rsidz	rsidz	NOUN
fsr-3776	121	58	=	=	NOUN
fsr-3776	121	59	contingency	contingency	NOUN
fsr-3776	121	60	of	of	ADP
fsr-3776	121	61	residual	residual	ADJ
fsr-3776	121	62	disability	disability	NOUN
fsr-3776	121	63	benefit	benefit	NOUN
fsr-3776	121	64	on	on	ADP
fsr-3776	121	65	previous	previous	ADJ
fsr-3776	121	66	total	total	ADJ
fsr-3776	121	67	disability	disability	NOUN
fsr-3776	121	68	(	(	PUNCT
fsr-3776	121	69	no	no	NOUN
fsr-3776	121	70	=	=	NOUN
fsr-3776	121	71	l;yes	l;yes	NUM
fsr-3776	121	72	=	=	NOUN
fsr-3776	121	73	o	o	NOUN
fsr-3776	121	74	)	)	PUNCT
fsr-3776	121	75	,	,	PUNCT
fsr-3776	121	76	org	org	NOUN
fsr-3776	121	77	=	=	SYM
fsr-3776	121	78	organizational	organizational	ADJ
fsr-3776	121	79	form	form	NOUN
fsr-3776	121	80	(	(	PUNCT
fsr-3776	121	81	mutual	mutual	ADJ
fsr-3776	121	82	or	or	CCONJ
fsr-3776	121	83	fraternal	fraternal	ADJ
fsr-3776	121	84	=	=	SYM
fsr-3776	121	85	1	1	NUM
fsr-3776	121	86	;	;	PUNCT
fsr-3776	121	87	stock	stock	NOUN
fsr-3776	121	88	=	=	SYM
fsr-3776	121	89	0	0	NUM
fsr-3776	121	90	)	)	PUNCT
fsr-3776	121	91	,	,	PUNCT
fsr-3776	121	92	drisk	drisk	NOUN
fsr-3776	121	93	=	=	SYM
fsr-3776	121	94	default	default	NOUN
fsr-3776	121	95	risk	risk	NOUN
fsr-3776	121	96	,	,	PUNCT
fsr-3776	121	97	and	and	CCONJ
fsr-3776	121	98	ms	ms	NOUN
fsr-3776	121	99	=	=	PUNCT
fsr-3776	121	100	market	market	NOUN
fsr-3776	121	101	share	share	NOUN
fsr-3776	121	102	.	.	PUNCT
fsr-3776	122	1	we	we	PRON
fsr-3776	122	2	apply	apply	VERB
fsr-3776	122	3	the	the	DET
fsr-3776	122	4	model	model	NOUN
fsr-3776	122	5	to	to	ADP
fsr-3776	122	6	policies	policy	NOUN
fsr-3776	122	7	with	with	ADP
fsr-3776	122	8	both	both	CCONJ
fsr-3776	122	9	long	long	ADJ
fsr-3776	122	10	(	(	PUNCT
fsr-3776	122	11	to	to	PART
fsr-3776	122	12	age	age	NOUN
fsr-3776	122	13	65	65	NUM
fsr-3776	122	14	)	)	PUNCT
fsr-3776	122	15	and	and	CCONJ
fsr-3776	122	16	short	short	ADJ
fsr-3776	122	17	(	(	PUNCT
fsr-3776	122	18	two	two	NUM
fsr-3776	122	19	-	-	PUNCT
fsr-3776	122	20	year	year	NOUN
fsr-3776	122	21	)	)	PUNCT
fsr-3776	122	22	durations	duration	NOUN
fsr-3776	122	23	.	.	PUNCT
fsr-3776	123	1	2	2	X
fsr-3776	123	2	.	.	X
fsr-3776	123	3	price	price	NOUN
fsr-3776	123	4	proxy	proxy	NOUN
fsr-3776	123	5	the	the	DET
fsr-3776	123	6	proxy	proxy	NOUN
fsr-3776	123	7	for	for	ADP
fsr-3776	123	8	dii	dii	NOUN
fsr-3776	123	9	price	price	NOUN
fsr-3776	123	10	is	be	AUX
fsr-3776	123	11	the	the	DET
fsr-3776	123	12	discounted	discount	VERB
fsr-3776	123	13	present	present	ADJ
fsr-3776	123	14	value	value	NOUN
fsr-3776	123	15	,	,	PUNCT
fsr-3776	123	16	divided	divide	VERB
fsr-3776	123	17	by	by	ADP
fsr-3776	123	18	$	$	SYM
fsr-3776	123	19	1,000	1,000	NUM
fsr-3776	123	20	,	,	PUNCT
fsr-3776	123	21	of	of	ADP
fsr-3776	123	22	annual	annual	ADJ
fsr-3776	123	23	standard	standard	ADJ
fsr-3776	123	24	-	-	PUNCT
fsr-3776	123	25	rate	rate	NOUN
fsr-3776	123	26	premiums	premium	NOUN
fsr-3776	123	27	over	over	ADP
fsr-3776	123	28	the	the	DET
fsr-3776	123	29	duration	duration	NOUN
fsr-3776	123	30	of	of	ADP
fsr-3776	123	31	the	the	DET
fsr-3776	123	32	policy	policy	NOUN
fsr-3776	123	33	.	.	PUNCT
fsr-3776	124	1	*	*	PUNCT
fsr-3776	125	1	the	the	DET
fsr-3776	125	2	benefit	benefit	NOUN
fsr-3776	125	3	amount	amount	NOUN
fsr-3776	125	4	is	be	AUX
fsr-3776	125	5	assumed	assume	VERB
fsr-3776	125	6	to	to	PART
fsr-3776	125	7	be	be	AUX
fsr-3776	125	8	$	$	SYM
fsr-3776	125	9	2,000	2,000	NUM
fsr-3776	125	10	per	per	ADP
fsr-3776	125	11	month	month	NOUN
fsr-3776	125	12	for	for	ADP
fsr-3776	125	13	a	a	DET
fsr-3776	125	14	unisex	unisex	NOUN
fsr-3776	125	15	-	-	PUNCT
fsr-3776	125	16	rated	rate	VERB
fsr-3776	125	17	individual	individual	ADJ
fsr-3776	125	18	aged	aged	ADJ
fsr-3776	125	19	35.9	35.9	NUM
fsr-3776	125	20	unisex	unisex	NOUN
fsr-3776	125	21	-	-	PUNCT
fsr-3776	125	22	rated	rate	VERB
fsr-3776	125	23	policies	policy	NOUN
fsr-3776	125	24	are	be	AUX
fsr-3776	125	25	used	use	VERB
fsr-3776	125	26	because	because	SCONJ
fsr-3776	125	27	the	the	DET
fsr-3776	125	28	larger	large	ADJ
fsr-3776	125	29	dii	dii	NOUN
fsr-3776	125	30	providers	provider	NOUN
fsr-3776	125	31	generally	generally	ADV
fsr-3776	125	32	offered	offer	VERB
fsr-3776	125	33	such	such	ADJ
fsr-3776	125	34	policies	policy	NOUN
fsr-3776	125	35	in	in	ADP
fsr-3776	125	36	1988	1988	NUM
fsr-3776	125	37	and	and	CCONJ
fsr-3776	125	38	,	,	PUNCT
fsr-3776	125	39	as	as	ADP
fsr-3776	125	40	a	a	DET
fsr-3776	125	41	result	result	NOUN
fsr-3776	125	42	,	,	PUNCT
fsr-3776	125	43	the	the	DET
fsr-3776	125	44	market	market	NOUN
fsr-3776	125	45	pricing	pricing	NOUN
fsr-3776	125	46	of	of	ADP
fsr-3776	125	47	disubil@	disubil@	ADJ
fsr-3776	125	48	income	income	NOUN
fsr-3776	125	49	insurance	insurance	NOUN
fsr-3776	125	50	115	115	NUM
fsr-3776	125	51	sample	sample	NOUN
fsr-3776	125	52	size	size	NOUN
fsr-3776	125	53	is	be	AUX
fsr-3776	125	54	maximized	maximize	VERB
fsr-3776	125	55	.	.	PUNCT
fsr-3776	126	1	‘0	‘0	ADJ
fsr-3776	126	2	the	the	DET
fsr-3776	126	3	insurers	insurer	NOUN
fsr-3776	126	4	in	in	ADP
fsr-3776	126	5	our	our	PRON
fsr-3776	126	6	sample	sample	NOUN
fsr-3776	126	7	account	account	NOUN
fsr-3776	126	8	for	for	ADP
fsr-3776	126	9	approximately	approximately	ADV
fsr-3776	126	10	40	40	NUM
fsr-3776	126	11	%	%	NOUN
fsr-3776	126	12	of	of	ADP
fsr-3776	126	13	the	the	DET
fsr-3776	126	14	dii	dii	PROPN
fsr-3776	126	15	premiums	premium	NOUN
fsr-3776	126	16	written	write	VERB
fsr-3776	126	17	in	in	ADP
fsr-3776	126	18	1988	1988	NUM
fsr-3776	126	19	.	.	PUNCT
fsr-3776	127	1	3	3	X
fsr-3776	127	2	.	.	X
fsr-3776	127	3	contract	contract	NOUN
fsr-3776	127	4	options	option	NOUN
fsr-3776	127	5	the	the	DET
fsr-3776	127	6	ratio	ratio	NOUN
fsr-3776	127	7	of	of	ADP
fsr-3776	127	8	the	the	DET
fsr-3776	127	9	elimination	elimination	NOUN
fsr-3776	127	10	period	period	NOUN
fsr-3776	127	11	to	to	ADP
fsr-3776	127	12	the	the	DET
fsr-3776	127	13	maximum	maximum	ADJ
fsr-3776	127	14	benefit	benefit	NOUN
fsr-3776	127	15	period	period	NOUN
fsr-3776	127	16	serves	serve	VERB
fsr-3776	127	17	as	as	ADP
fsr-3776	127	18	the	the	DET
fsr-3776	127	19	elimination	elimination	NOUN
fsr-3776	127	20	period	period	NOUN
fsr-3776	127	21	(	(	PUNCT
fsr-3776	127	22	ep	ep	NOUN
fsr-3776	127	23	)	)	PUNCT
fsr-3776	127	24	estimate	estimate	NOUN
fsr-3776	127	25	.	.	PUNCT
fsr-3776	128	1	the	the	DET
fsr-3776	128	2	proxy	proxy	NOUN
fsr-3776	128	3	for	for	ADP
fsr-3776	128	4	the	the	DET
fsr-3776	128	5	definition	definition	NOUN
fsr-3776	128	6	of	of	ADP
fsr-3776	128	7	disability	disability	NOUN
fsr-3776	128	8	(	(	PUNCT
fsr-3776	128	9	def	def	PROPN
fsr-3776	128	10	)	)	PUNCT
fsr-3776	128	11	is	be	AUX
fsr-3776	128	12	the	the	DET
fsr-3776	128	13	period	period	NOUN
fsr-3776	128	14	for	for	ADP
fsr-3776	128	15	which	which	PRON
fsr-3776	128	16	the	the	DET
fsr-3776	128	17	own	own	ADJ
fsr-3776	128	18	occupation	occupation	NOUN
fsr-3776	128	19	definition	definition	NOUN
fsr-3776	128	20	applies	apply	VERB
fsr-3776	128	21	divided	divide	VERB
fsr-3776	128	22	by	by	ADP
fsr-3776	128	23	the	the	DET
fsr-3776	128	24	maximum	maximum	ADJ
fsr-3776	128	25	benefit	benefit	NOUN
fsr-3776	128	26	period	period	NOUN
fsr-3776	128	27	.	.	PUNCT
fsr-3776	129	1	the	the	DET
fsr-3776	129	2	preexisting	preexist	VERB
fsr-3776	129	3	conditions	condition	NOUN
fsr-3776	129	4	proxy	proxy	NOUN
fsr-3776	129	5	(	(	PUNCT
fsr-3776	129	6	prex	prex	ADJ
fsr-3776	129	7	)	)	PUNCT
fsr-3776	129	8	is	be	AUX
fsr-3776	129	9	the	the	DET
fsr-3776	129	10	exclusion	exclusion	NOUN
fsr-3776	129	11	period	period	NOUN
fsr-3776	129	12	applicable	applicable	ADJ
fsr-3776	129	13	for	for	ADP
fsr-3776	129	14	preexisting	preexist	VERB
fsr-3776	129	15	conditions	condition	NOUN
fsr-3776	129	16	divided	divide	VERB
fsr-3776	129	17	by	by	ADP
fsr-3776	129	18	the	the	DET
fsr-3776	129	19	maximum	maximum	ADJ
fsr-3776	129	20	benefit	benefit	NOUN
fsr-3776	129	21	period	period	NOUN
fsr-3776	129	22	.	.	PUNCT
fsr-3776	130	1	two	two	NUM
fsr-3776	130	2	binary	binary	ADJ
fsr-3776	130	3	variables	variable	NOUN
fsr-3776	130	4	represent	represent	VERB
fsr-3776	130	5	the	the	DET
fsr-3776	130	6	residual	residual	ADJ
fsr-3776	130	7	disability	disability	NOUN
fsr-3776	130	8	benefit	benefit	NOUN
fsr-3776	130	9	.	.	PUNCT
fsr-3776	131	1	the	the	DET
fsr-3776	131	2	first	first	ADJ
fsr-3776	131	3	(	(	PUNCT
fsr-3776	131	4	rsidi	rsidi	PROPN
fsr-3776	131	5	)	)	PUNCT
fsr-3776	131	6	equals	equal	VERB
fsr-3776	131	7	one	one	NUM
fsr-3776	131	8	if	if	SCONJ
fsr-3776	131	9	the	the	DET
fsr-3776	131	10	policy	policy	NOUN
fsr-3776	131	11	includes	include	VERB
fsr-3776	131	12	a	a	DET
fsr-3776	131	13	residual	residual	ADJ
fsr-3776	131	14	disability	disability	NOUN
fsr-3776	131	15	benefit	benefit	NOUN
fsr-3776	131	16	and	and	CCONJ
fsr-3776	131	17	zero	zero	NUM
fsr-3776	131	18	if	if	SCONJ
fsr-3776	131	19	not	not	PART
fsr-3776	131	20	.	.	PUNCT
fsr-3776	132	1	the	the	DET
fsr-3776	132	2	second	second	ADJ
fsr-3776	132	3	(	(	PUNCT
fsr-3776	132	4	rszd2	rszd2	NOUN
fsr-3776	132	5	)	)	PUNCT
fsr-3776	132	6	equals	equal	VERB
fsr-3776	132	7	one	one	NUM
fsr-3776	132	8	if	if	SCONJ
fsr-3776	132	9	the	the	DET
fsr-3776	132	10	residual	residual	ADJ
fsr-3776	132	11	disability	disability	NOUN
fsr-3776	132	12	benefit	benefit	NOUN
fsr-3776	132	13	is	be	AUX
fsr-3776	132	14	unconditional	unconditional	ADJ
fsr-3776	132	15	with	with	ADP
fsr-3776	132	16	respect	respect	NOUN
fsr-3776	132	17	to	to	ADP
fsr-3776	132	18	a	a	DET
fsr-3776	132	19	previous	previous	ADJ
fsr-3776	132	20	total	total	ADJ
fsr-3776	132	21	disability	disability	NOUN
fsr-3776	132	22	and	and	CCONJ
fsr-3776	132	23	zero	zero	NUM
fsr-3776	132	24	if	if	SCONJ
fsr-3776	132	25	it	it	PRON
fsr-3776	132	26	is	be	AUX
fsr-3776	132	27	conditional	conditional	ADJ
fsr-3776	132	28	.	.	PUNCT
fsr-3776	133	1	because	because	SCONJ
fsr-3776	133	2	the	the	DET
fsr-3776	133	3	rszd2	rszd2	NOUN
fsr-3776	133	4	variable	variable	NOUN
fsr-3776	133	5	applies	apply	VERB
fsr-3776	133	6	only	only	ADV
fsr-3776	133	7	if	if	SCONJ
fsr-3776	133	8	a	a	DET
fsr-3776	133	9	residual	residual	ADJ
fsr-3776	133	10	disability	disability	NOUN
fsr-3776	133	11	benefit	benefit	NOUN
fsr-3776	133	12	exists	exist	VERB
fsr-3776	133	13	initially	initially	ADV
fsr-3776	133	14	,	,	PUNCT
fsr-3776	133	15	we	we	PRON
fsr-3776	133	16	include	include	VERB
fsr-3776	133	17	the	the	DET
fsr-3776	133	18	product	product	NOUN
fsr-3776	133	19	of	of	ADP
fsr-3776	133	20	the	the	DET
fsr-3776	133	21	two	two	NUM
fsr-3776	133	22	proxies	proxy	NOUN
fsr-3776	133	23	(	(	PUNCT
fsr-3776	133	24	rsidi	rsidi	NOUN
fsr-3776	133	25	*	*	PUNCT
fsr-3776	133	26	rsid2	rsid2	NOUN
fsr-3776	133	27	)	)	PUNCT
fsr-3776	133	28	,	,	PUNCT
fsr-3776	133	29	which	which	PRON
fsr-3776	133	30	represents	represent	VERB
fsr-3776	133	31	the	the	DET
fsr-3776	133	32	interaction	interaction	NOUN
fsr-3776	133	33	effect	effect	NOUN
fsr-3776	133	34	between	between	ADP
fsr-3776	133	35	the	the	DET
fsr-3776	133	36	two	two	NUM
fsr-3776	133	37	,	,	PUNCT
fsr-3776	133	38	rather	rather	ADV
fsr-3776	133	39	than	than	ADP
fsr-3776	133	40	the	the	DET
fsr-3776	133	41	rszd2	rszd2	NOUN
fsr-3776	133	42	proxy	proxy	VERB
fsr-3776	133	43	itself	itself	PRON
fsr-3776	133	44	.	.	PUNCT
fsr-3776	134	1	consequently	consequently	ADV
fsr-3776	134	2	,	,	PUNCT
fsr-3776	134	3	we	we	PRON
fsr-3776	134	4	must	must	AUX
fsr-3776	134	5	consider	consider	VERB
fsr-3776	134	6	the	the	DET
fsr-3776	134	7	coefficients	coefficient	NOUN
fsr-3776	134	8	for	for	ADP
fsr-3776	134	9	both	both	CCONJ
fsr-3776	134	10	rsidi	rsidi	NOUN
fsr-3776	134	11	and	and	CCONJ
fsr-3776	134	12	rsidi*rsid2	rsidi*rsid2	NOUN
fsr-3776	134	13	in	in	ADP
fsr-3776	134	14	tandem	tandem	PROPN
fsr-3776	134	15	.	.	PUNCT
fsr-3776	135	1	4	4	X
fsr-3776	135	2	.	.	X
fsr-3776	135	3	insurer	insurer	NOUN
fsr-3776	135	4	characteristics	characteristic	NOUN
fsr-3776	135	5	we	we	PRON
fsr-3776	135	6	use	use	VERB
fsr-3776	135	7	a	a	DET
fsr-3776	135	8	binary	binary	ADJ
fsr-3776	135	9	variable	variable	NOUN
fsr-3776	135	10	to	to	PART
fsr-3776	135	11	denote	denote	VERB
fsr-3776	135	12	organizational	organizational	ADJ
fsr-3776	135	13	form	form	NOUN
fsr-3776	135	14	(	(	PUNCT
fsr-3776	135	15	org	org	NOUN
fsr-3776	135	16	)	)	PUNCT
fsr-3776	135	17	,	,	PUNCT
fsr-3776	135	18	with	with	ADP
fsr-3776	135	19	one	one	NUM
fsr-3776	135	20	indicating	indicate	VERB
fsr-3776	135	21	a	a	DET
fsr-3776	135	22	mutual	mutual	ADJ
fsr-3776	135	23	or	or	CCONJ
fsr-3776	135	24	fraternal	fraternal	ADJ
fsr-3776	135	25	structure	structure	NOUN
fsr-3776	135	26	and	and	CCONJ
fsr-3776	135	27	zero	zero	NUM
fsr-3776	135	28	a	a	DET
fsr-3776	135	29	stock	stock	NOUN
fsr-3776	135	30	firm	firm	NOUN
fsr-3776	135	31	.	.	PUNCT
fsr-3776	136	1	the	the	DET
fsr-3776	136	2	default	default	NOUN
fsr-3776	136	3	risk	risk	NOUN
fsr-3776	136	4	proxy	proxy	NOUN
fsr-3776	136	5	(	(	PUNCT
fsr-3776	136	6	drzsk	drzsk	NOUN
fsr-3776	136	7	)	)	PUNCT
fsr-3776	136	8	is	be	AUX
fsr-3776	136	9	the	the	DET
fsr-3776	136	10	percentage	percentage	NOUN
fsr-3776	136	11	of	of	ADP
fsr-3776	136	12	12	12	NUM
fsr-3776	136	13	iris	iris	NOUN
fsr-3776	136	14	ratios	ratio	NOUN
fsr-3776	136	15	for	for	ADP
fsr-3776	136	16	each	each	DET
fsr-3776	136	17	insurer	insurer	NOUN
fsr-3776	136	18	that	that	PRON
fsr-3776	136	19	fall	fall	VERB
fsr-3776	136	20	outside	outside	ADP
fsr-3776	136	21	the	the	DET
fsr-3776	136	22	“	"	PUNCT
fsr-3776	136	23	usual	usual	ADJ
fsr-3776	136	24	range	range	NOUN
fsr-3776	136	25	”	"	PUNCT
fsr-3776	136	26	defined	define	VERB
fsr-3776	136	27	by	by	ADP
fsr-3776	136	28	the	the	DET
fsr-3776	136	29	naic	naic	PROPN
fsr-3776	136	30	.	.	PUNCT
fsr-3776	137	1	the	the	DET
fsr-3776	137	2	market	market	NOUN
fsr-3776	137	3	share	share	NOUN
fsr-3776	137	4	proxy	proxy	NOUN
fsr-3776	137	5	is	be	AUX
fsr-3776	137	6	the	the	DET
fsr-3776	137	7	percentage	percentage	NOUN
fsr-3776	137	8	of	of	ADP
fsr-3776	137	9	1988	1988	NUM
fsr-3776	137	10	dii	dii	NOUN
fsr-3776	137	11	premiums	premium	NOUN
fsr-3776	137	12	written	write	VERB
fsr-3776	137	13	by	by	ADP
fsr-3776	137	14	each	each	DET
fsr-3776	137	15	company	company	NOUN
fsr-3776	137	16	compared	compare	VERB
fsr-3776	137	17	to	to	ADP
fsr-3776	137	18	the	the	DET
fsr-3776	137	19	industry	industry	NOUN
fsr-3776	137	20	total	total	NOUN
fsr-3776	137	21	.	.	PUNCT
fsr-3776	138	1	c.	c.	NOUN
fsr-3776	138	2	limitations	limitation	NOUN
fsr-3776	138	3	of	of	ADP
fsr-3776	138	4	the	the	DET
fsr-3776	138	5	research	research	NOUN
fsr-3776	138	6	design	design	VERB
fsr-3776	138	7	the	the	DET
fsr-3776	138	8	screening	screening	NOUN
fsr-3776	138	9	of	of	ADP
fsr-3776	138	10	dii	dii	NOUN
fsr-3776	138	11	policies	policy	NOUN
fsr-3776	138	12	for	for	ADP
fsr-3776	138	13	homogeneous	homogeneous	ADJ
fsr-3776	138	14	risk	risk	NOUN
fsr-3776	138	15	categories	category	NOUN
fsr-3776	138	16	-	-	PUNCT
fsr-3776	138	17	such	such	ADJ
fsr-3776	138	18	as	as	ADP
fsr-3776	138	19	those	those	PRON
fsr-3776	138	20	based	base	VERB
fsr-3776	138	21	on	on	ADP
fsr-3776	138	22	age	age	NOUN
fsr-3776	138	23	,	,	PUNCT
fsr-3776	138	24	gender	gender	NOUN
fsr-3776	138	25	,	,	PUNCT
fsr-3776	138	26	and	and	CCONJ
fsr-3776	138	27	occupation	occupation	NOUN
fsr-3776	138	28	-	-	PUNCT
fsr-3776	138	29	and	and	CCONJ
fsr-3776	138	30	product	product	NOUN
fsr-3776	138	31	attributessuch	attributessuch	ADJ
fsr-3776	138	32	as	as	ADP
fsr-3776	138	33	benefit	benefit	NOUN
fsr-3776	138	34	levels	level	NOUN
fsr-3776	138	35	and	and	CCONJ
fsr-3776	138	36	duration	duration	NOUN
fsr-3776	138	37	necessarily	necessarily	ADV
fsr-3776	138	38	reduces	reduce	VERB
fsr-3776	138	39	sample	sample	NOUN
fsr-3776	138	40	size	size	NOUN
fsr-3776	138	41	.	.	PUNCT
fsr-3776	139	1	response	response	NOUN
fsr-3776	139	2	bias	bias	NOUN
fsr-3776	139	3	in	in	ADP
fsr-3776	139	4	the	the	DET
fsr-3776	139	5	data	datum	NOUN
fsr-3776	139	6	may	may	AUX
fsr-3776	139	7	exist	exist	VERB
fsr-3776	139	8	because	because	SCONJ
fsr-3776	139	9	insurers	insurer	NOUN
fsr-3776	139	10	voluntarily	voluntarily	ADV
fsr-3776	139	11	report	report	VERB
fsr-3776	139	12	to	to	ADP
fsr-3776	139	13	national	national	ADJ
fsr-3776	139	14	underwriter	underwriter	NOUN
fsr-3776	139	15	,	,	PUNCT
fsr-3776	139	16	but	but	CCONJ
fsr-3776	139	17	we	we	PRON
fsr-3776	139	18	can	can	AUX
fsr-3776	139	19	not	not	PART
fsr-3776	139	20	predict	predict	VERB
fsr-3776	139	21	the	the	DET
fsr-3776	139	22	direction	direction	NOUN
fsr-3776	139	23	of	of	ADP
fsr-3776	139	24	any	any	DET
fsr-3776	139	25	such	such	ADJ
fsr-3776	139	26	bias	bias	NOUN
fsr-3776	139	27	.	.	PUNCT
fsr-3776	140	1	we	we	PRON
fsr-3776	140	2	also	also	ADV
fsr-3776	140	3	can	can	AUX
fsr-3776	140	4	not	not	PART
fsr-3776	140	5	be	be	AUX
fsr-3776	140	6	certain	certain	ADJ
fsr-3776	140	7	that	that	SCONJ
fsr-3776	140	8	all	all	DET
fsr-3776	140	9	the	the	DET
fsr-3776	140	10	policies	policy	NOUN
fsr-3776	140	11	in	in	ADP
fsr-3776	140	12	our	our	PRON
fsr-3776	140	13	data	datum	NOUN
fsr-3776	140	14	set	set	VERB
fsr-3776	140	15	are	be	AUX
fsr-3776	140	16	representative	representative	ADJ
fsr-3776	140	17	of	of	ADP
fsr-3776	140	18	what	what	PRON
fsr-3776	140	19	each	each	DET
fsr-3776	140	20	insurer	insurer	NOUN
fsr-3776	140	21	actually	actually	ADV
fsr-3776	140	22	sells	sell	VERB
fsr-3776	140	23	.	.	PUNCT
fsr-3776	141	1	in	in	ADP
fsr-3776	141	2	some	some	DET
fsr-3776	141	3	instances	instance	NOUN
fsr-3776	141	4	,	,	PUNCT
fsr-3776	141	5	information	information	NOUN
fsr-3776	141	6	on	on	ADP
fsr-3776	141	7	a	a	DET
fsr-3776	141	8	contract	contract	NOUN
fsr-3776	141	9	provision	provision	NOUN
fsr-3776	141	10	may	may	AUX
fsr-3776	141	11	not	not	PART
fsr-3776	141	12	be	be	AUX
fsr-3776	141	13	published	publish	VERB
fsr-3776	141	14	in	in	ADP
fsr-3776	141	15	the	the	DET
fsr-3776	141	16	data	datum	NOUN
fsr-3776	141	17	source	source	NOUN
fsr-3776	141	18	.	.	PUNCT
fsr-3776	142	1	we	we	PRON
fsr-3776	142	2	then	then	ADV
fsr-3776	142	3	assume	assume	VERB
fsr-3776	142	4	this	this	DET
fsr-3776	142	5	provision	provision	NOUN
fsr-3776	142	6	does	do	AUX
fsr-3776	142	7	not	not	PART
fsr-3776	142	8	exist	exist	VERB
fsr-3776	142	9	,	,	PUNCT
fsr-3776	142	10	which	which	PRON
fsr-3776	142	11	may	may	AUX
fsr-3776	142	12	not	not	PART
fsr-3776	142	13	always	always	ADV
fsr-3776	142	14	be	be	AUX
fsr-3776	142	15	true	true	ADJ
fsr-3776	142	16	.	.	PUNCT
fsr-3776	143	1	finally	finally	ADV
fsr-3776	143	2	,	,	PUNCT
fsr-3776	143	3	we	we	PRON
fsr-3776	143	4	do	do	AUX
fsr-3776	143	5	not	not	PART
fsr-3776	143	6	have	have	VERB
fsr-3776	143	7	data	datum	NOUN
fsr-3776	143	8	to	to	PART
fsr-3776	143	9	test	test	VERB
fsr-3776	143	10	for	for	ADP
fsr-3776	143	11	effects	effect	NOUN
fsr-3776	143	12	of	of	ADP
fsr-3776	143	13	alternative	alternative	ADJ
fsr-3776	143	14	distribution	distribution	NOUN
fsr-3776	143	15	systems	system	NOUN
fsr-3776	143	16	and	and	CCONJ
fsr-3776	143	17	claims	claim	NOUN
fsr-3776	143	18	practices	practice	NOUN
fsr-3776	143	19	,	,	PUNCT
fsr-3776	143	20	so	so	SCONJ
fsr-3776	143	21	these	these	PRON
fsr-3776	143	22	remain	remain	VERB
fsr-3776	143	23	outside	outside	ADP
fsr-3776	143	24	the	the	DET
fsr-3776	143	25	scope	scope	NOUN
fsr-3776	143	26	of	of	ADP
fsr-3776	143	27	this	this	DET
fsr-3776	143	28	study	study	NOUN
fsr-3776	143	29	.	.	PUNCT
fsr-3776	144	1	v.	v.	ADP
fsr-3776	144	2	empirical	empirical	ADJ
fsr-3776	144	3	results	result	NOUN
fsr-3776	144	4	and	and	CCONJ
fsr-3776	144	5	discussion	discussion	NOUN
fsr-3776	144	6	table	table	NOUN
fsr-3776	144	7	1	1	NUM
fsr-3776	144	8	contains	contain	VERB
fsr-3776	144	9	selected	select	VERB
fsr-3776	144	10	statistics	statistic	NOUN
fsr-3776	144	11	for	for	ADP
fsr-3776	144	12	the	the	DET
fsr-3776	144	13	data	datum	NOUN
fsr-3776	144	14	gathered	gather	VERB
fsr-3776	144	15	from	from	ADP
fsr-3776	144	16	the	the	DET
fsr-3776	144	17	full	full	ADJ
fsr-3776	144	18	sample	sample	NOUN
fsr-3776	144	19	of	of	ADP
fsr-3776	144	20	44	44	NUM
fsr-3776	144	21	policies	policy	NOUN
fsr-3776	144	22	providing	provide	VERB
fsr-3776	144	23	benefits	benefit	NOUN
fsr-3776	144	24	to	to	ADP
fsr-3776	144	25	age	age	NOUN
fsr-3776	144	26	65	65	NUM
fsr-3776	144	27	.	.	PUNCT
fsr-3776	145	1	as	as	SCONJ
fsr-3776	145	2	shown	show	VERB
fsr-3776	145	3	by	by	ADP
fsr-3776	145	4	these	these	DET
fsr-3776	145	5	results	result	NOUN
fsr-3776	145	6	,	,	PUNCT
fsr-3776	145	7	the	the	DET
fsr-3776	145	8	annual	annual	ADJ
fsr-3776	145	9	premium	premium	NOUN
fsr-3776	145	10	per	per	ADP
fsr-3776	145	11	$	$	SYM
fsr-3776	145	12	100	100	NUM
fsr-3776	145	13	of	of	ADP
fsr-3776	145	14	monthly	monthly	ADJ
fsr-3776	145	15	benefit	benefit	NOUN
fsr-3776	145	16	varies	vary	VERB
fsr-3776	145	17	widely	widely	ADV
fsr-3776	145	18	between	between	ADP
fsr-3776	145	19	these	these	DET
fsr-3776	145	20	policies	policy	NOUN
fsr-3776	145	21	.	.	PUNCT
fsr-3776	146	1	elimination	elimination	NOUN
fsr-3776	146	2	periods	period	NOUN
fsr-3776	146	3	also	also	ADV
fsr-3776	146	4	vary	vary	VERB
fsr-3776	146	5	substantially	substantially	ADV
fsr-3776	146	6	-	-	PUNCT
fsr-3776	146	7	from	from	ADP
fsr-3776	146	8	30	30	NUM
fsr-3776	146	9	to	to	PART
fsr-3776	146	10	180	180	NUM
fsr-3776	146	11	days	day	NOUN
fsr-3776	146	12	.	.	PUNCT
fsr-3776	147	1	over	over	ADP
fsr-3776	147	2	half	half	DET
fsr-3776	147	3	the	the	DET
fsr-3776	147	4	policies	policy	NOUN
fsr-3776	147	5	contain	contain	VERB
fsr-3776	147	6	a	a	DET
fsr-3776	147	7	30	30	NUM
fsr-3776	147	8	-	-	PUNCT
fsr-3776	147	9	day	day	NOUN
fsr-3776	147	10	elimination	elimination	NOUN
fsr-3776	147	11	period	period	NOUN
fsr-3776	147	12	,	,	PUNCT
fsr-3776	147	13	however	however	ADV
fsr-3776	147	14	.	.	PUNCT
fsr-3776	148	1	although	although	SCONJ
fsr-3776	148	2	we	we	PRON
fsr-3776	148	3	are	be	AUX
fsr-3776	148	4	certain	certain	ADJ
fsr-3776	148	5	that	that	SCONJ
fsr-3776	148	6	most	most	ADJ
fsr-3776	148	7	insurers	insurer	NOUN
fsr-3776	148	8	routinely	routinely	ADV
fsr-3776	148	9	offer	offer	VERB
fsr-3776	148	10	a	a	DET
fsr-3776	148	11	range	range	NOUN
fsr-3776	148	12	of	of	ADP
fsr-3776	148	13	116	116	NUM
fsr-3776	148	14	financial	financial	ADJ
fsr-3776	148	15	services	service	NOUN
fsr-3776	148	16	review	review	NOUN
fsr-3776	148	17	4(2	4(2	NUM
fsr-3776	148	18	)	)	PUNCT
fsr-3776	148	19	1995	1995	NUM
fsr-3776	148	20	table	table	NOUN
fsr-3776	148	21	1	1	NUM
fsr-3776	148	22	selected	select	VERB
fsr-3776	148	23	statistics	statistic	NOUN
fsr-3776	148	24	for	for	ADP
fsr-3776	148	25	the	the	DET
fsr-3776	148	26	full	full	ADJ
fsr-3776	148	27	sample	sample	NOUN
fsr-3776	148	28	of	of	ADP
fsr-3776	148	29	policies	policy	NOUN
fsr-3776	148	30	with	with	ADP
fsr-3776	148	31	durations	duration	NOUN
fsr-3776	148	32	to	to	ADP
fsr-3776	148	33	age	age	NOUN
fsr-3776	148	34	65	65	NUM
fsr-3776	148	35	variables	variable	NOUN
fsr-3776	148	36	premium	premium	ADJ
fsr-3776	148	37	elimination	elimination	NOUN
fsr-3776	148	38	period	period	NOUN
fsr-3776	148	39	preexisting	preexist	VERB
fsr-3776	148	40	conditions	condition	NOUN
fsr-3776	148	41	residual	residual	ADJ
fsr-3776	148	42	disability	disability	NOUN
fsr-3776	148	43	organizational	organizational	ADJ
fsr-3776	148	44	form	form	NOUN
fsr-3776	148	45	iris	iris	NOUN
fsr-3776	148	46	ratios	ratio	NOUN
fsr-3776	148	47	number	number	NOUN
fsr-3776	148	48	mean	mean	VERB
fsr-3776	148	49	std	std	PROPN
fsr-3776	148	50	.	.	PROPN
fsr-3776	149	1	dev	dev	PROPN
fsr-3776	149	2	.	.	PUNCT
fsr-3776	150	1	minimum	minimum	PROPN
fsr-3776	150	2	qi	qi	PROPN
fsr-3776	150	3	median	median	PROPN
fsr-3776	150	4	q3	q3	PROPN
fsr-3776	150	5	maximum	maximum	NOUN
fsr-3776	150	6	>	>	X
fsr-3776	150	7	0	0	NUM
fsr-3776	150	8	42.04	42.04	NUM
fsr-3776	150	9	9.36	9.36	NUM
fsr-3776	150	10	24.70	24.70	NUM
fsr-3776	150	11	34.50	34.50	NUM
fsr-3776	150	12	40.94	40.94	NUM
fsr-3776	150	13	49.40	49.40	NUM
fsr-3776	150	14	67.19	67.19	NUM
fsr-3776	150	15	44	44	NUM
fsr-3776	150	16	48.41	48.41	NUM
fsr-3776	150	17	32.49	32.49	NUM
fsr-3776	150	18	30	30	NUM
fsr-3776	150	19	30	30	NUM
fsr-3776	150	20	30	30	NUM
fsr-3776	150	21	75	75	NUM
fsr-3776	150	22	180	180	NUM
fsr-3776	150	23	44	44	NUM
fsr-3776	150	24	57	57	NUM
fsr-3776	150	25	90	90	NUM
fsr-3776	150	26	0	0	NUM
fsr-3776	150	27	0	0	NUM
fsr-3776	150	28	0	0	NUM
fsr-3776	150	29	2	2	NUM
fsr-3776	150	30	2	2	NUM
fsr-3776	150	31	13	13	NUM
fsr-3776	150	32	.57	.57	NUM
fsr-3776	151	1	so	so	ADV
fsr-3776	151	2	0	0	NUM
fsr-3776	151	3	0	0	NUM
fsr-3776	151	4	1	1	NUM
fsr-3776	151	5	1	1	NUM
fsr-3776	151	6	1	1	NUM
fsr-3776	151	7	25	25	NUM
fsr-3776	151	8	.41	.41	NUM
fsr-3776	152	1	so	so	ADV
fsr-3776	152	2	0	0	NUM
fsr-3776	152	3	0	0	NUM
fsr-3776	152	4	0	0	NUM
fsr-3776	152	5	1	1	NUM
fsr-3776	152	6	1	1	NUM
fsr-3776	152	7	18	18	NUM
fsr-3776	152	8	1.02	1.02	NUM
fsr-3776	152	9	.98	.98	NUM
fsr-3776	152	10	0	0	NUM
fsr-3776	152	11	0	0	NUM
fsr-3776	152	12	1	1	NUM
fsr-3776	152	13	2	2	NUM
fsr-3776	152	14	3	3	NUM
fsr-3776	152	15	27	27	NUM
fsr-3776	152	16	notes	note	NOUN
fsr-3776	152	17	:	:	PUNCT
fsr-3776	152	18	premium	premium	NOUN
fsr-3776	152	19	=	=	PUNCT
fsr-3776	152	20	annual	annual	ADJ
fsr-3776	152	21	premium	premium	NOUN
fsr-3776	152	22	per	per	ADP
fsr-3776	152	23	$	$	SYM
fsr-3776	152	24	100	100	NUM
fsr-3776	152	25	monthly	monthly	ADJ
fsr-3776	152	26	benefit	benefit	NOUN
fsr-3776	152	27	;	;	PUNCT
fsr-3776	152	28	elimination	elimination	NOUN
fsr-3776	152	29	period	period	NOUN
fsr-3776	152	30	=	=	NOUN
fsr-3776	152	31	number	number	NOUN
fsr-3776	152	32	of	of	ADP
fsr-3776	152	33	days	day	NOUN
fsr-3776	152	34	in	in	ADP
fsr-3776	152	35	elimination	elimination	NOUN
fsr-3776	152	36	period	period	NOUN
fsr-3776	152	37	;	;	PUNCT
fsr-3776	152	38	preexisting	preexist	VERB
fsr-3776	152	39	conditions	condition	NOUN
fsr-3776	152	40	=	=	NOUN
fsr-3776	152	41	number	number	NOUN
fsr-3776	152	42	of	of	ADP
fsr-3776	152	43	years	year	NOUN
fsr-3776	152	44	in	in	ADP
fsr-3776	152	45	period	period	NOUN
fsr-3776	152	46	stated	state	VERB
fsr-3776	152	47	in	in	ADP
fsr-3776	152	48	preexisting	preexist	VERB
fsr-3776	152	49	conditions	condition	NOUN
fsr-3776	152	50	clause	clause	NOUN
fsr-3776	152	51	;	;	PUNCT
fsr-3776	152	52	residual	residual	ADJ
fsr-3776	152	53	disability	disability	NOUN
fsr-3776	152	54	=	=	SYM
fsr-3776	152	55	1	1	NUM
fsr-3776	152	56	if	if	SCONJ
fsr-3776	152	57	residual	residual	ADJ
fsr-3776	152	58	disability	disability	NOUN
fsr-3776	152	59	benefit	benefit	NOUN
fsr-3776	152	60	exists	exist	VERB
fsr-3776	152	61	,	,	PUNCT
fsr-3776	152	62	0	0	NUM
fsr-3776	152	63	otherwise	otherwise	ADV
fsr-3776	152	64	;	;	PUNCT
fsr-3776	152	65	organizational	organizational	ADJ
fsr-3776	152	66	form	form	NOUN
fsr-3776	152	67	=	=	SYM
fsr-3776	152	68	1	1	NUM
fsr-3776	152	69	if	if	SCONJ
fsr-3776	152	70	mutual	mutual	ADJ
fsr-3776	152	71	or	or	CCONJ
fsr-3776	152	72	fraternal	fraternal	ADJ
fsr-3776	152	73	insurer	insurer	NOUN
fsr-3776	152	74	,	,	PUNCT
fsr-3776	152	75	0	0	NUM
fsr-3776	152	76	otherwise	otherwise	ADV
fsr-3776	152	77	;	;	PUNCT
fsr-3776	152	78	iris	iris	NOUN
fsr-3776	152	79	ratios	ratio	NOUN
fsr-3776	152	80	=	=	NOUN
fsr-3776	152	81	number	number	NOUN
fsr-3776	152	82	of	of	ADP
fsr-3776	152	83	iris	iris	NOUN
fsr-3776	152	84	ratios	ratio	NOUN
fsr-3776	152	85	outside	outside	ADP
fsr-3776	152	86	naic	naic	PROPN
fsr-3776	152	87	-	-	PUNCT
fsr-3776	152	88	prescribed	prescribe	VERB
fsr-3776	152	89	range	range	NOUN
fsr-3776	152	90	.	.	PUNCT
fsr-3776	153	1	elimination	elimination	NOUN
fsr-3776	153	2	periods	period	NOUN
fsr-3776	153	3	,	,	PUNCT
fsr-3776	153	4	the	the	DET
fsr-3776	153	5	prices	price	NOUN
fsr-3776	153	6	published	publish	VERB
fsr-3776	153	7	for	for	ADP
fsr-3776	153	8	each	each	DET
fsr-3776	153	9	insurer	insurer	NOUN
fsr-3776	153	10	in	in	ADP
fsr-3776	153	11	our	our	PRON
fsr-3776	153	12	data	data	NOUN
fsr-3776	153	13	source	source	NOUN
fsr-3776	153	14	generally	generally	ADV
fsr-3776	153	15	reflect	reflect	VERB
fsr-3776	153	16	only	only	ADV
fsr-3776	153	17	one	one	NUM
fsr-3776	153	18	,	,	PUNCT
fsr-3776	153	19	and	and	CCONJ
fsr-3776	153	20	at	at	ADP
fsr-3776	153	21	most	most	ADV
fsr-3776	153	22	two	two	NUM
fsr-3776	153	23	,	,	PUNCT
fsr-3776	153	24	elimination	elimination	NOUN
fsr-3776	153	25	periods	period	NOUN
fsr-3776	153	26	.	.	PUNCT
fsr-3776	154	1	the	the	DET
fsr-3776	154	2	statistics	statistic	NOUN
fsr-3776	154	3	for	for	ADP
fsr-3776	154	4	the	the	DET
fsr-3776	154	5	preexisting	preexist	VERB
fsr-3776	154	6	conditions	condition	NOUN
fsr-3776	154	7	and	and	CCONJ
fsr-3776	154	8	residual	residual	ADJ
fsr-3776	154	9	disability	disability	NOUN
fsr-3776	154	10	provisions	provision	NOUN
fsr-3776	154	11	indicate	indicate	VERB
fsr-3776	154	12	that	that	SCONJ
fsr-3776	154	13	many	many	ADJ
fsr-3776	154	14	insurers	insurer	NOUN
fsr-3776	154	15	do	do	AUX
fsr-3776	154	16	not	not	PART
fsr-3776	154	17	offer	offer	VERB
fsr-3776	154	18	these	these	DET
fsr-3776	154	19	provisions	provision	NOUN
fsr-3776	154	20	.	.	PUNCT
fsr-3776	155	1	as	as	SCONJ
fsr-3776	155	2	stated	state	VERB
fsr-3776	155	3	previously	previously	ADV
fsr-3776	155	4	,	,	PUNCT
fsr-3776	155	5	however	however	ADV
fsr-3776	155	6	,	,	PUNCT
fsr-3776	155	7	theseoptions	theseoption	NOUN
fsr-3776	155	8	may	may	AUX
fsr-3776	155	9	be	be	AUX
fsr-3776	155	10	offered	offer	VERB
fsr-3776	155	11	but	but	CCONJ
fsr-3776	155	12	not	not	PART
fsr-3776	155	13	published	publish	VERB
fsr-3776	155	14	in	in	ADP
fsr-3776	155	15	our	our	PRON
fsr-3776	155	16	data	data	NOUN
fsr-3776	155	17	source	source	NOUN
fsr-3776	155	18	.	.	PUNCT
fsr-3776	156	1	although	although	SCONJ
fsr-3776	156	2	not	not	PART
fsr-3776	156	3	contained	contain	VERB
fsr-3776	156	4	in	in	ADP
fsr-3776	156	5	table	table	NOUN
fsr-3776	156	6	1	1	NUM
fsr-3776	156	7	,	,	PUNCT
fsr-3776	156	8	the	the	DET
fsr-3776	156	9	statistics	statistic	NOUN
fsr-3776	156	10	for	for	ADP
fsr-3776	156	11	the	the	DET
fsr-3776	156	12	definition	definition	NOUN
fsr-3776	156	13	of	of	ADP
fsr-3776	156	14	disability	disability	NOUN
fsr-3776	156	15	variable	variable	NOUN
fsr-3776	156	16	show	show	VERB
fsr-3776	156	17	that	that	SCONJ
fsr-3776	156	18	40	40	NUM
fsr-3776	156	19	of	of	ADP
fsr-3776	156	20	the	the	DET
fsr-3776	156	21	44	44	NUM
fsr-3776	156	22	policies	policy	NOUN
fsr-3776	156	23	contain	contain	VERB
fsr-3776	156	24	some	some	DET
fsr-3776	156	25	form	form	NOUN
fsr-3776	156	26	of	of	ADP
fsr-3776	156	27	“	"	PUNCT
fsr-3776	156	28	own	own	ADJ
fsr-3776	156	29	occupation	occupation	NOUN
fsr-3776	156	30	”	"	PUNCT
fsr-3776	156	31	definition	definition	NOUN
fsr-3776	156	32	,	,	PUNCT
fsr-3776	156	33	consequently	consequently	ADV
fsr-3776	156	34	,	,	PUNCT
fsr-3776	156	35	pricing	pricing	NOUN
fsr-3776	156	36	anomalies	anomaly	NOUN
fsr-3776	156	37	among	among	ADP
fsr-3776	156	38	the	the	DET
fsr-3776	156	39	few	few	ADJ
fsr-3776	156	40	“	"	PUNCT
fsr-3776	156	41	any	any	DET
fsr-3776	156	42	occupation	occupation	NOUN
fsr-3776	156	43	”	"	PUNCT
fsr-3776	156	44	policies	policy	NOUN
fsr-3776	156	45	easily	easily	ADV
fsr-3776	156	46	can	can	AUX
fsr-3776	156	47	produce	produce	VERB
fsr-3776	156	48	spurious	spurious	ADJ
fsr-3776	156	49	test	test	NOUN
fsr-3776	156	50	results	result	NOUN
fsr-3776	156	51	.	.	PUNCT
fsr-3776	157	1	the	the	DET
fsr-3776	157	2	results	result	NOUN
fsr-3776	157	3	for	for	ADP
fsr-3776	157	4	the	the	DET
fsr-3776	157	5	iris	iris	NOUN
fsr-3776	157	6	ratios	ratio	NOUN
fsr-3776	157	7	indicate	indicate	VERB
fsr-3776	157	8	that	that	SCONJ
fsr-3776	157	9	most	most	ADJ
fsr-3776	157	10	of	of	ADP
fsr-3776	157	11	the	the	DET
fsr-3776	157	12	insurers	insurer	NOUN
fsr-3776	157	13	in	in	ADP
fsr-3776	157	14	the	the	DET
fsr-3776	157	15	sample	sample	NOUN
fsr-3776	157	16	were	be	AUX
fsr-3776	157	17	quite	quite	ADV
fsr-3776	157	18	solvent	solvent	ADJ
fsr-3776	157	19	and	and	CCONJ
fsr-3776	157	20	none	none	NOUN
fsr-3776	157	21	were	be	AUX
fsr-3776	157	22	targeted	target	VERB
fsr-3776	157	23	for	for	ADP
fsr-3776	157	24	regulatory	regulatory	ADJ
fsr-3776	157	25	attention	attention	NOUN
fsr-3776	157	26	.	.	PUNCT
fsr-3776	158	1	thus	thus	ADV
fsr-3776	158	2	,	,	PUNCT
fsr-3776	158	3	solvency	solvency	NOUN
fsr-3776	158	4	distinctions	distinction	NOUN
fsr-3776	158	5	based	base	VERB
fsr-3776	158	6	on	on	ADP
fsr-3776	158	7	iris	iris	NOUN
fsr-3776	158	8	ratios	ratio	NOUN
fsr-3776	158	9	are	be	AUX
fsr-3776	158	10	quite	quite	ADV
fsr-3776	158	11	subtle	subtle	ADJ
fsr-3776	158	12	at	at	ADP
fsr-3776	158	13	best	good	ADJ
fsr-3776	158	14	for	for	ADP
fsr-3776	158	15	the	the	DET
fsr-3776	158	16	sample	sample	NOUN
fsr-3776	158	17	insurers	insurer	NOUN
fsr-3776	158	18	.	.	PUNCT
fsr-3776	159	1	table	table	NOUN
fsr-3776	159	2	2	2	NUM
fsr-3776	159	3	contains	contain	VERB
fsr-3776	159	4	regression	regression	NOUN
fsr-3776	159	5	results	result	NOUN
fsr-3776	159	6	for	for	ADP
fsr-3776	159	7	dii	dii	NOUN
fsr-3776	159	8	policies	policy	NOUN
fsr-3776	159	9	with	with	ADP
fsr-3776	159	10	benefit	benefit	NOUN
fsr-3776	159	11	durations	duration	NOUN
fsr-3776	159	12	to	to	ADP
fsr-3776	159	13	age	age	NOUN
fsr-3776	159	14	65	65	NUM
fsr-3776	159	15	.	.	PUNCT
fsr-3776	160	1	regression	regression	NOUN
fsr-3776	160	2	(	(	PUNCT
fsr-3776	160	3	1	1	X
fsr-3776	160	4	)	)	PUNCT
fsr-3776	160	5	accounts	account	NOUN
fsr-3776	160	6	for	for	ADP
fsr-3776	160	7	all	all	DET
fsr-3776	160	8	available	available	ADJ
fsr-3776	160	9	policies	policy	NOUN
fsr-3776	160	10	,	,	PUNCT
fsr-3776	160	11	including	include	VERB
fsr-3776	160	12	those	those	PRON
fsr-3776	160	13	issued	issue	VERB
fsr-3776	160	14	by	by	ADP
fsr-3776	160	15	insurers	insurer	NOUN
fsr-3776	160	16	for	for	ADP
fsr-3776	160	17	which	which	PRON
fsr-3776	160	18	no	no	DET
fsr-3776	160	19	market	market	NOUN
fsr-3776	160	20	share	share	NOUN
fsr-3776	160	21	is	be	AUX
fsr-3776	160	22	available	available	ADJ
fsr-3776	160	23	.	.	PUNCT
fsr-3776	161	1	as	as	SCONJ
fsr-3776	161	2	expected	expect	VERB
fsr-3776	161	3	,	,	PUNCT
fsr-3776	161	4	a	a	DET
fsr-3776	161	5	strongly	strongly	ADV
fsr-3776	161	6	negative	negative	ADJ
fsr-3776	161	7	relation	relation	NOUN
fsr-3776	161	8	between	between	ADP
fsr-3776	161	9	price	price	NOUN
fsr-3776	161	10	and	and	CCONJ
fsr-3776	161	11	the	the	DET
fsr-3776	161	12	elimination	elimination	NOUN
fsr-3776	161	13	period	period	NOUN
fsr-3776	161	14	is	be	AUX
fsr-3776	161	15	apparent	apparent	ADJ
fsr-3776	161	16	.	.	PUNCT
fsr-3776	162	1	no	no	DET
fsr-3776	162	2	other	other	ADJ
fsr-3776	162	3	characteristics	characteristic	NOUN
fsr-3776	162	4	are	be	AUX
fsr-3776	162	5	significant	significant	ADJ
fsr-3776	162	6	,	,	PUNCT
fsr-3776	162	7	however	however	ADV
fsr-3776	162	8	.	.	PUNCT
fsr-3776	163	1	we	we	PRON
fsr-3776	163	2	do	do	AUX
fsr-3776	163	3	not	not	PART
fsr-3776	163	4	find	find	VERB
fsr-3776	163	5	this	this	DET
fsr-3776	163	6	surprising	surprising	ADJ
fsr-3776	163	7	in	in	SCONJ
fsr-3776	163	8	that	that	SCONJ
fsr-3776	163	9	some	some	DET
fsr-3776	163	10	insurers	insurer	NOUN
fsr-3776	163	11	in	in	ADP
fsr-3776	163	12	the	the	DET
fsr-3776	163	13	full	full	ADJ
fsr-3776	163	14	sample	sample	NOUN
fsr-3776	163	15	may	may	AUX
fsr-3776	163	16	be	be	AUX
fsr-3776	163	17	relatively	relatively	ADV
fsr-3776	163	18	inactive	inactive	ADJ
fsr-3776	163	19	and	and	CCONJ
fsr-3776	163	20	their	their	PRON
fsr-3776	163	21	policies	policy	NOUN
fsr-3776	163	22	not	not	PART
fsr-3776	163	23	competitive	competitive	ADJ
fsr-3776	163	24	,	,	PUNCT
fsr-3776	163	25	even	even	ADV
fsr-3776	163	26	though	though	SCONJ
fsr-3776	163	27	they	they	PRON
fsr-3776	163	28	publish	publish	VERB
fsr-3776	163	29	pricing	pricing	NOUN
fsr-3776	163	30	information	information	NOUN
fsr-3776	163	31	.	.	PUNCT
fsr-3776	164	1	the	the	DET
fsr-3776	164	2	condition	condition	NOUN
fsr-3776	164	3	index	index	NOUN
fsr-3776	164	4	,	,	PUNCT
fsr-3776	164	5	a	a	DET
fsr-3776	164	6	measure	measure	NOUN
fsr-3776	164	7	of	of	ADP
fsr-3776	164	8	collinearity	collinearity	NOUN
fsr-3776	164	9	developed	develop	VERB
fsr-3776	164	10	by	by	ADP
fsr-3776	164	11	belsley	belsley	NOUN
fsr-3776	164	12	,	,	PUNCT
fsr-3776	164	13	kuh	kuh	PROPN
fsr-3776	164	14	,	,	PUNCT
fsr-3776	164	15	and	and	CCONJ
fsr-3776	164	16	welsch	welsch	PROPN
fsr-3776	164	17	(	(	PUNCT
fsr-3776	164	18	1980	1980	NUM
fsr-3776	164	19	)	)	PUNCT
fsr-3776	164	20	,	,	PUNCT
fsr-3776	164	21	is	be	AUX
fsr-3776	164	22	relatively	relatively	ADV
fsr-3776	164	23	low	low	ADJ
fsr-3776	164	24	for	for	SCONJ
fsr-3776	164	25	all	all	DET
fsr-3776	164	26	the	the	DET
fsr-3776	164	27	regressions	regression	NOUN
fsr-3776	164	28	reported	report	VERB
fsr-3776	164	29	in	in	ADP
fsr-3776	164	30	table	table	NOUN
fsr-3776	164	31	2	2	NUM
fsr-3776	164	32	.	.	X
fsr-3776	164	33	greene	greene	PROPN
fsr-3776	164	34	(	(	PUNCT
fsr-3776	164	35	1990	1990	NUM
fsr-3776	164	36	)	)	PUNCT
fsr-3776	164	37	suggests	suggest	VERB
fsr-3776	164	38	that	that	SCONJ
fsr-3776	164	39	collinearity	collinearity	NOUN
fsr-3776	164	40	is	be	AUX
fsr-3776	164	41	not	not	PART
fsr-3776	164	42	a	a	DET
fsr-3776	164	43	problem	problem	NOUN
fsr-3776	164	44	unless	unless	SCONJ
fsr-3776	164	45	the	the	DET
fsr-3776	164	46	condition	condition	NOUN
fsr-3776	164	47	index	index	NOUN
fsr-3776	164	48	exceeds	exceed	VERB
fsr-3776	164	49	20	20	NUM
fsr-3776	164	50	.	.	PUNCT
fsr-3776	165	1	we	we	PRON
fsr-3776	165	2	also	also	ADV
fsr-3776	165	3	applied	apply	VERB
fsr-3776	165	4	the	the	DET
fsr-3776	165	5	breusch	breusch	ADV
fsr-3776	165	6	-	-	PUNCT
fsr-3776	165	7	pagan	pagan	ADJ
fsr-3776	165	8	test	test	NOUN
fsr-3776	165	9	for	for	ADP
fsr-3776	165	10	all	all	DET
fsr-3776	165	11	the	the	DET
fsr-3776	165	12	reported	report	VERB
fsr-3776	165	13	regressions	regression	NOUN
fsr-3776	165	14	and	and	CCONJ
fsr-3776	165	15	we	we	PRON
fsr-3776	165	16	can	can	AUX
fsr-3776	165	17	not	not	PART
fsr-3776	165	18	reject	reject	VERB
fsr-3776	165	19	homoscedasticity	homoscedasticity	NOUN
fsr-3776	165	20	at	at	ADP
fsr-3776	165	21	the	the	DET
fsr-3776	165	22	.ool	.ool	NOUN
fsr-3776	165	23	level	level	NOUN
fsr-3776	165	24	,	,	PUNCT
fsr-3776	165	25	so	so	CCONJ
fsr-3776	165	26	heteroscedasticity	heteroscedasticity	NOUN
fsr-3776	165	27	is	be	AUX
fsr-3776	165	28	not	not	PART
fsr-3776	165	29	a	a	DET
fsr-3776	165	30	problem	problem	NOUN
fsr-3776	165	31	in	in	ADP
fsr-3776	165	32	our	our	PRON
fsr-3776	165	33	data	datum	NOUN
fsr-3776	165	34	set	set	VERB
fsr-3776	165	35	.	.	PUNCT
fsr-3776	166	1	in	in	ADP
fsr-3776	166	2	regression	regression	NOUN
fsr-3776	166	3	(	(	PUNCT
fsr-3776	166	4	2	2	NUM
fsr-3776	166	5	)	)	PUNCT
fsr-3776	166	6	,	,	PUNCT
fsr-3776	166	7	we	we	PRON
fsr-3776	166	8	test	test	VERB
fsr-3776	166	9	only	only	ADV
fsr-3776	166	10	the	the	DET
fsr-3776	166	11	policies	policy	NOUN
fsr-3776	166	12	of	of	ADP
fsr-3776	166	13	insurers	insurer	NOUN
fsr-3776	166	14	for	for	ADP
fsr-3776	166	15	which	which	PRON
fsr-3776	166	16	we	we	PRON
fsr-3776	166	17	have	have	VERB
fsr-3776	166	18	market	market	NOUN
fsr-3776	166	19	share	share	NOUN
fsr-3776	166	20	data	datum	NOUN
fsr-3776	166	21	.	.	PUNCT
fsr-3776	167	1	the	the	DET
fsr-3776	167	2	goodness	goodness	NOUN
fsr-3776	167	3	-	-	PUNCT
fsr-3776	167	4	of	of	ADP
fsr-3776	167	5	-	-	PUNCT
fsr-3776	167	6	fit	fit	NOUN
fsr-3776	167	7	improves	improve	VERB
fsr-3776	167	8	,	,	PUNCT
fsr-3776	167	9	as	as	SCONJ
fsr-3776	167	10	evidenced	evidence	VERB
fsr-3776	167	11	by	by	ADP
fsr-3776	167	12	the	the	DET
fsr-3776	167	13	increase	increase	NOUN
fsr-3776	167	14	in	in	ADP
fsr-3776	167	15	the	the	DET
fsr-3776	167	16	coefficient	coefficient	NOUN
fsr-3776	167	17	of	of	ADP
fsr-3776	167	18	determination	determination	NOUN
fsr-3776	167	19	(	(	PUNCT
fsr-3776	167	20	adjusted	adjust	VERB
fsr-3776	167	21	r	r	NOUN
fsr-3776	167	22	*	*	NOUN
fsr-3776	167	23	)	)	PUNCT
fsr-3776	167	24	,	,	PUNCT
fsr-3776	167	25	despite	despite	SCONJ
fsr-3776	167	26	the	the	DET
fsr-3776	167	27	loss	loss	NOUN
fsr-3776	167	28	of	of	ADP
fsr-3776	167	29	five	five	NUM
fsr-3776	167	30	observations	observation	NOUN
fsr-3776	167	31	.	.	PUNCT
fsr-3776	168	1	the	the	DET
fsr-3776	168	2	elimination	elimination	NOUN
fsr-3776	168	3	period	period	NOUN
fsr-3776	168	4	remains	remain	VERB
fsr-3776	168	5	significantly	significantly	ADV
fsr-3776	168	6	negative	negative	ADJ
fsr-3776	168	7	at	at	ADP
fsr-3776	168	8	the	the	DET
fsr-3776	168	9	.ol	.ol	NOUN
fsr-3776	168	10	level	level	NOUN
fsr-3776	168	11	and	and	CCONJ
fsr-3776	168	12	the	the	DET
fsr-3776	168	13	market	market	NOUN
fsr-3776	168	14	share	share	NOUN
fsr-3776	168	15	coefficient	coefficient	NOUN
fsr-3776	168	16	is	be	AUX
fsr-3776	168	17	significantly	significantly	ADV
fsr-3776	168	18	positive	positive	ADJ
fsr-3776	168	19	,	,	PUNCT
fsr-3776	168	20	as	as	SCONJ
fsr-3776	168	21	expected	expect	VERB
fsr-3776	168	22	,	,	PUNCT
fsr-3776	168	23	at	at	ADP
fsr-3776	168	24	the	the	DET
fsr-3776	168	25	.ol	.ol	PROPN
fsr-3776	168	26	level	level	NOUN
fsr-3776	168	27	.	.	PUNCT
fsr-3776	169	1	the	the	DET
fsr-3776	169	2	latter	latter	ADJ
fsr-3776	169	3	finding	finding	NOUN
fsr-3776	169	4	supports	support	VERB
fsr-3776	169	5	the	the	DET
fsr-3776	169	6	premise	premise	NOUN
fsr-3776	169	7	that	that	SCONJ
fsr-3776	169	8	insurers	insurer	NOUN
fsr-3776	169	9	serving	serve	VERB
fsr-3776	169	10	as	as	ADP
fsr-3776	169	11	market	market	NOUN
fsr-3776	169	12	leaders	leader	NOUN
fsr-3776	169	13	devise	devise	VERB
fsr-3776	169	14	attractive	attractive	ADJ
fsr-3776	169	15	packages	package	NOUN
fsr-3776	169	16	of	of	ADP
fsr-3776	169	17	both	both	DET
fsr-3776	169	18	price	price	NOUN
fsr-3776	169	19	and	and	CCONJ
fsr-3776	169	20	non	non	ADJ
fsr-3776	169	21	-	-	ADJ
fsr-3776	169	22	price	price	NOUN
fsr-3776	169	23	-	-	PUNCT
fsr-3776	169	24	for	for	ADP
fsr-3776	169	25	example	example	NOUN
fsr-3776	169	26	,	,	PUNCT
fsr-3776	169	27	quality	quality	NOUN
fsr-3776	169	28	and	and	CCONJ
fsr-3776	169	29	service	service	NOUN
fsr-3776	169	30	-	-	PUNCT
fsr-3776	169	31	factors	factor	NOUN
fsr-3776	169	32	.	.	PUNCT
fsr-3776	170	1	to	to	PART
fsr-3776	170	2	further	far	ADV
fsr-3776	170	3	assure	assure	VERB
fsr-3776	170	4	that	that	SCONJ
fsr-3776	170	5	the	the	DET
fsr-3776	170	6	data	datum	NOUN
fsr-3776	170	7	we	we	PRON
fsr-3776	170	8	are	be	AUX
fsr-3776	170	9	using	use	VERB
fsr-3776	170	10	is	be	AUX
fsr-3776	170	11	representative	representative	NOUN
fsr-3776	170	12	of	of	ADP
fsr-3776	170	13	competitive	competitive	ADJ
fsr-3776	170	14	market	market	NOUN
fsr-3776	170	15	conditions	condition	NOUN
fsr-3776	170	16	,	,	PUNCT
fsr-3776	170	17	we	we	PRON
fsr-3776	170	18	next	next	ADV
fsr-3776	170	19	analyze	analyze	VERB
fsr-3776	170	20	only	only	ADV
fsr-3776	170	21	the	the	DET
fsr-3776	170	22	policies	policy	NOUN
fsr-3776	170	23	of	of	ADP
fsr-3776	170	24	insurers	insurer	NOUN
fsr-3776	170	25	with	with	ADP
fsr-3776	170	26	a	a	DET
fsr-3776	170	27	minimum	minimum	ADJ
fsr-3776	170	28	market	market	NOUN
fsr-3776	170	29	share	share	NOUN
fsr-3776	170	30	of	of	ADP
fsr-3776	170	31	t	t	PROPN
fsr-3776	170	32	a	a	DET
fsr-3776	170	33	b	b	NOUN
fsr-3776	170	34	l	l	NOUN
fsr-3776	170	35	e	e	NOUN
fsr-3776	170	36	2	2	NUM
fsr-3776	170	37	r	r	NOUN
fsr-3776	170	38	eg	eg	NOUN
fsr-3776	170	39	re	re	NOUN
fsr-3776	170	40	ss	ss	PROPN
fsr-3776	170	41	io	io	PROPN
fsr-3776	170	42	n	n	ADV
fsr-3776	170	43	r	r	NOUN
fsr-3776	170	44	es	es	NOUN
fsr-3776	170	45	ul	ul	INTJ
fsr-3776	170	46	ts	ts	ADP
fsr-3776	170	47	f	f	PROPN
fsr-3776	170	48	or	or	CCONJ
fsr-3776	170	49	u	u	INTJ
fsr-3776	171	1	ni	ni	PROPN
fsr-3776	171	2	se	se	PROPN
fsr-3776	171	3	x	x	PROPN
fsr-3776	171	4	pr	pr	INTJ
fsr-3776	171	5	ic	ic	INTJ
fsr-3776	171	6	in	in	ADP
fsr-3776	171	7	g	g	PROPN
fsr-3776	171	8	of	of	ADP
fsr-3776	171	9	d	d	PROPN
fsr-3776	171	10	is	be	AUX
fsr-3776	171	11	ab	ab	PROPN
fsr-3776	171	12	ili	ili	PROPN
fsr-3776	172	1	ty	ty	INTJ
fsr-3776	173	1	i	i	PRON
fsr-3776	173	2	nc	nc	PROPN
fsr-3776	173	3	om	om	PROPN
fsr-3776	173	4	e	e	PROPN
fsr-3776	173	5	in	in	ADP
fsr-3776	173	6	su	su	PROPN
fsr-3776	173	7	ra	ra	PROPN
fsr-3776	173	8	nc	nc	PROPN
fsr-3776	173	9	e	e	PROPN
fsr-3776	173	10	w	w	PROPN
fsr-3776	173	11	ith	ith	PROPN
fsr-3776	174	1	d	d	X
fsr-3776	174	2	ur	ur	INTJ
fsr-3776	174	3	at	at	ADP
fsr-3776	174	4	io	io	PROPN
fsr-3776	175	1	ns	ns	INTJ
fsr-3776	175	2	t	t	PROPN
fsr-3776	175	3	o	o	PROPN
fsr-3776	175	4	a	a	DET
fsr-3776	175	5	ge	ge	PROPN
fsr-3776	175	6	6	6	NUM
fsr-3776	175	7	5	5	NUM
fsr-3776	175	8	r	r	NOUN
fsr-3776	175	9	eg	eg	NOUN
fsr-3776	175	10	re	re	NOUN
fsr-3776	175	11	s	s	NOUN
fsr-3776	175	12	si	si	X
fsr-3776	175	13	on	on	ADP
fsr-3776	175	14	n	n	CCONJ
fsr-3776	175	15	um	um	INTJ
fsr-3776	175	16	be	be	AUX
fsr-3776	175	17	r	r	PROPN
fsr-3776	175	18	ia	ia	PROPN
fsr-3776	175	19	t	t	PROPN
fsr-3776	175	20	(	(	PUNCT
fsr-3776	175	21	1	1	NUM
fsr-3776	175	22	)	)	PUNCT
fsr-3776	175	23	12	12	NUM
fsr-3776	176	1	.4	.4	NUM
fsr-3776	177	1	*	*	PUNCT
fsr-3776	178	1	(	(	PUNCT
fsr-3776	178	2	.	.	PUNCT
fsr-3776	178	3	80	80	NUM
fsr-3776	178	4	3	3	NUM
fsr-3776	178	5	)	)	PUNCT
fsr-3776	178	6	(	(	PUNCT
fsr-3776	178	7	2	2	X
fsr-3776	178	8	)	)	PUNCT
fsr-3776	178	9	11	11	NUM
fsr-3776	178	10	.3	.3	NUM
fsr-3776	178	11	’	'	PUNCT
fsr-3776	178	12	(	(	PUNCT
fsr-3776	178	13	.	.	PUNCT
fsr-3776	178	14	8w	8w	X
fsr-3776	178	15	(	(	PUNCT
fsr-3776	178	16	3	3	NUM
fsr-3776	178	17	)	)	PUNCT
fsr-3776	179	1	12	12	NUM
fsr-3776	179	2	.1	.1	NUM
fsr-3776	179	3	*	*	PUNCT
fsr-3776	179	4	t.9	t.9	SYM
fsr-3776	180	1	66	66	NUM
fsr-3776	180	2	1	1	NUM
fsr-3776	180	3	i~	i~	PROPN
fsr-3776	180	4	ep	ep	PROPN
fsr-3776	180	5	e~	e~	PROPN
fsr-3776	180	6	en	en	ADP
fsr-3776	180	7	t	t	PROPN
fsr-3776	180	8	v	v	PROPN
fsr-3776	180	9	ar	ar	PROPN
fsr-3776	180	10	ia	ia	PROPN
fsr-3776	180	11	bl	bl	PROPN
fsr-3776	180	12	es	es	PROPN
fsr-3776	180	13	(	(	PUNCT
fsr-3776	180	14	ex	ex	X
fsr-3776	180	15	pe	pe	INTJ
fsr-3776	180	16	ct	ct	PROPN
fsr-3776	181	1	ed	ed	NOUN
fsr-3776	181	2	s	s	VERB
fsr-3776	182	1	ig	ig	INTJ
fsr-3776	182	2	np	np	INTJ
fsr-3776	182	3	sl	sl	VERB
fsr-3776	182	4	at	at	ADP
fsr-3776	182	5	&	&	CCONJ
fsr-3776	182	6	ti	ti	PROPN
fsr-3776	182	7	cs	cs	PROPN
fsr-3776	182	8	ep	ep	PROPN
fsr-3776	182	9	d	d	X
fsr-3776	182	10	ef	ef	PROPN
fsr-3776	182	11	p	p	NOUN
fsr-3776	182	12	r	r	NOUN
fsr-3776	182	13	ex	ex	NOUN
fsr-3776	182	14	r	r	NOUN
fsr-3776	182	15	si	si	NOUN
fsr-3776	183	1	d	d	NOUN
fsr-3776	183	2	i	i	PRON
fsr-3776	183	3	*	*	PUNCT
fsr-3776	183	4	r	r	NOUN
fsr-3776	184	1	sl	sl	NOUN
fsr-3776	184	2	d	d	NOUN
fsr-3776	184	3	2	2	NUM
fsr-3776	184	4	o	o	NOUN
fsr-3776	184	5	r	r	NOUN
fsr-3776	184	6	g	g	PROPN
fsr-3776	184	7	ir	ir	PROPN
fsr-3776	184	8	is	be	AUX
fsr-3776	184	9	m	m	PROPN
fsr-3776	184	10	s	s	PRON
fsr-3776	184	11	a	a	DET
fsr-3776	184	12	dj	dj	NOUN
fsr-3776	184	13	us	we	PRON
fsr-3776	184	14	te	te	PROPN
fsr-3776	184	15	d	d	PROPN
fsr-3776	184	16	c	c	PROPN
fsr-3776	184	17	on	on	ADP
fsr-3776	184	18	di	di	NOUN
fsr-3776	184	19	tio	tio	PROPN
fsr-3776	184	20	n	n	PROPN
fsr-3776	184	21	(	(	PUNCT
fsr-3776	184	22	1	1	NUM
fsr-3776	184	23	(	(	PUNCT
fsr-3776	184	24	+	+	NUM
fsr-3776	184	25	)	)	PUNCT
fsr-3776	185	1	(	(	PUNCT
fsr-3776	185	2	i	i	PRON
fsr-3776	185	3	r	r	VERB
fsr-3776	185	4	si	si	PROPN
fsr-3776	186	1	d	d	NOUN
fsr-3776	186	2	i	i	PROPN
fsr-3776	186	3	(	(	PUNCT
fsr-3776	186	4	c	c	NOUN
fsr-3776	186	5	om	om	PROPN
fsr-3776	186	6	bi	bi	PROPN
fsr-3776	186	7	ne	ne	PROPN
fsr-3776	186	8	d	d	PROPN
fsr-3776	186	9	+	+	CCONJ
fsr-3776	186	10	)	)	PUNCT
fsr-3776	186	11	w	w	NOUN
fsr-3776	186	12	(	(	PUNCT
fsr-3776	186	13	1	1	NUM
fsr-3776	186	14	(	(	PUNCT
fsr-3776	186	15	+	+	CCONJ
fsr-3776	186	16	i	i	PRON
fsr-3776	186	17	r	r	NOUN
fsr-3776	186	18	2	2	NUM
fsr-3776	186	19	in	in	ADP
fsr-3776	186	20	de	de	X
fsr-3776	186	21	x	x	PART
fsr-3776	186	22	o	o	NOUN
fsr-3776	186	23	bs	bs	INTJ
fsr-3776	186	24	er	er	INTJ
fsr-3776	186	25	ve	ve	VERB
fsr-3776	186	26	d	d	PROPN
fsr-3776	186	27	-4	-4	PROPN
fsr-3776	186	28	69	69	NUM
fsr-3776	187	1	.2	.2	NUM
fsr-3776	188	1	*	*	PUNCT
fsr-3776	188	2	-	-	INTJ
fsr-3776	188	3	.	.	PUNCT
fsr-3776	189	1	73	73	NUM
fsr-3776	189	2	7	7	NUM
fsr-3776	189	3	.2	.2	NUM
fsr-3776	189	4	24	24	NUM
fsr-3776	189	5	-1	-1	NOUN
fsr-3776	189	6	.2	.2	NUM
fsr-3776	189	7	3	3	NUM
fsr-3776	189	8	1	1	NUM
fsr-3776	189	9	.	.	NUM
fsr-3776	189	10	15	15	NUM
fsr-3776	189	11	.3	.3	NUM
fsr-3776	189	12	56	56	NUM
fsr-3776	189	13	-1	-1	SYM
fsr-3776	189	14	.6	.6	NUM
fsr-3776	189	15	3	3	NUM
fsr-3776	189	16	.3	.3	NUM
fsr-3776	189	17	91	91	NUM
fsr-3776	189	18	8	8	NUM
fsr-3776	189	19	.	.	PUNCT
fsr-3776	190	1	55	55	NUM
fsr-3776	190	2	44	44	NUM
fsr-3776	190	3	(	(	PUNCT
fsr-3776	190	4	9	9	NUM
fsr-3776	190	5	0	0	NUM
fsr-3776	190	6	.	.	NOUN
fsr-3776	190	7	52	52	NUM
fsr-3776	190	8	)	)	PUNCT
fsr-3776	190	9	(	(	PUNCT
fsr-3776	190	10	.	.	PUNCT
fsr-3776	191	1	69	69	NUM
fsr-3776	191	2	3	3	NUM
fsr-3776	191	3	)	)	PUNCT
fsr-3776	191	4	(	(	PUNCT
fsr-3776	191	5	9	9	NUM
fsr-3776	191	6	.6	.6	NUM
fsr-3776	191	7	8)	8)	NUM
fsr-3776	191	8	(	(	PUNCT
fsr-3776	191	9	.	.	PUNCT
fsr-3776	192	1	71	71	NUM
fsr-3776	192	2	5	5	NUM
fsr-3776	192	3	)	)	PUNCT
fsr-3776	192	4	(	(	PUNCT
fsr-3776	192	5	.	.	PUNCT
fsr-3776	193	1	78	78	NUM
fsr-3776	193	2	7	7	NUM
fsr-3776	193	3	)	)	PUNCT
fsr-3776	193	4	w	w	ADP
fsr-3776	193	5	37	37	NUM
fsr-3776	193	6	)	)	PUNCT
fsr-3776	193	7	(	(	PUNCT
fsr-3776	193	8	3	3	NUM
fsr-3776	193	9	.3	.3	NUM
fsr-3776	193	10	8)	8)	NUM
fsr-3776	193	11	-4	-4	PUNCT
fsr-3776	193	12	55	55	NUM
fsr-3776	193	13	.0	.0	NUM
fsr-3776	194	1	*	*	PUNCT
fsr-3776	194	2	-	-	INTJ
fsr-3776	194	3	.	.	PUNCT
fsr-3776	195	1	57	57	NUM
fsr-3776	195	2	9	9	NUM
fsr-3776	195	3	1	1	NUM
fsr-3776	195	4	.	.	PUNCT
fsr-3776	195	5	71	71	NUM
fsr-3776	195	6	-	-	SYM
fsr-3776	195	7	.	.	PUNCT
fsr-3776	196	1	39	39	NUM
fsr-3776	196	2	5	5	NUM
fsr-3776	196	3	.7	.7	NUM
fsr-3776	196	4	52	52	NUM
fsr-3776	196	5	-	-	SYM
fsr-3776	196	6	.	.	PUNCT
fsr-3776	197	1	52	52	NUM
fsr-3776	197	2	7	7	NUM
fsr-3776	197	3	-1	-1	SYM
fsr-3776	197	4	.8	.8	NUM
fsr-3776	197	5	1	1	NUM
fsr-3776	197	6	30	30	NUM
fsr-3776	197	7	.5	.5	NUM
fsr-3776	197	8	%	%	NOUN
fsr-3776	197	9	,	,	PUNCT
fsr-3776	197	10	5	5	NUM
fsr-3776	197	11	12	12	NUM
fsr-3776	197	12	.9	.9	NUM
fsr-3776	197	13	49	49	NUM
fsr-3776	197	14	39	39	NUM
fsr-3776	197	15	(	(	PUNCT
fsr-3776	197	16	8	8	NUM
fsr-3776	197	17	4	4	NUM
fsr-3776	197	18	.	.	NOUN
fsr-3776	197	19	9	9	NUM
fsr-3776	197	20	)	)	PUNCT
fsr-3776	197	21	(	(	PUNCT
fsr-3776	197	22	.	.	PUNCT
fsr-3776	198	1	69	69	NUM
fsr-3776	198	2	2	2	NUM
fsr-3776	198	3	)	)	PUNCT
fsr-3776	198	4	(	(	PUNCT
fsr-3776	198	5	1	1	NUM
fsr-3776	198	6	0	0	NUM
fsr-3776	198	7	.	.	NOUN
fsr-3776	198	8	54	54	NUM
fsr-3776	198	9	)	)	PUNCT
fsr-3776	198	10	c.	c.	NOUN
fsr-3776	198	11	78	78	NUM
fsr-3776	198	12	6	6	NUM
fsr-3776	198	13	)	)	PUNCT
fsr-3776	198	14	(	(	PUNCT
fsr-3776	198	15	.	.	PUNCT
fsr-3776	199	1	76	76	NUM
fsr-3776	199	2	1	1	NUM
fsr-3776	199	3	)	)	PUNCT
fsr-3776	199	4	(	(	PUNCT
fsr-3776	199	5	.	.	PUNCT
fsr-3776	200	1	62	62	NUM
fsr-3776	200	2	8)	8)	NUM
fsr-3776	200	3	(	(	PUNCT
fsr-3776	200	4	3	3	NUM
fsr-3776	200	5	.5	.5	NUM
fsr-3776	200	6	0	0	NUM
fsr-3776	200	7	)	)	PUNCT
fsr-3776	200	8	(	(	PUNCT
fsr-3776	200	9	1	1	NUM
fsr-3776	200	10	0	0	NUM
fsr-3776	200	11	.	.	NOUN
fsr-3776	200	12	1	1	NUM
fsr-3776	200	13	)	)	PUNCT
fsr-3776	200	14	-4	-4	PUNCT
fsr-3776	201	1	47	47	NUM
fsr-3776	201	2	.1	.1	NUM
fsr-3776	201	3	”	"	PUNCT
fsr-3776	202	1	-1	-1	CCONJ
fsr-3776	203	1	.6	.6	NUM
fsr-3776	203	2	1	1	NUM
fsr-3776	203	3	1	1	NUM
fsr-3776	203	4	.	.	NUM
fsr-3776	203	5	08	08	NUM
fsr-3776	204	1	-2	-2	NOUN
fsr-3776	204	2	.1	.1	NUM
fsr-3776	205	1	9	9	NUM
fsr-3776	205	2	*	*	SYM
fsr-3776	205	3	*	*	PUNCT
fsr-3776	206	1	2	2	NUM
fsr-3776	206	2	.	.	NUM
fsr-3776	206	3	50	50	NUM
fsr-3776	206	4	*	*	PUNCT
fsr-3776	206	5	*	*	PUNCT
fsr-3776	206	6	-	-	INTJ
fsr-3776	206	7	.	.	PROPN
fsr-3776	206	8	45	45	NUM
fsr-3776	206	9	7	7	NUM
fsr-3776	206	10	1	1	NUM
fsr-3776	206	11	.	.	PUNCT
fsr-3776	206	12	10	10	NUM
fsr-3776	206	13	27	27	NUM
fsr-3776	207	1	.4	.4	NUM
fsr-3776	207	2	*	*	PUNCT
fsr-3776	208	1	.6	.6	NUM
fsr-3776	208	2	18	18	NUM
fsr-3776	208	3	11	11	NUM
fsr-3776	208	4	.3	.3	NUM
fsr-3776	208	5	6	6	NUM
fsr-3776	208	6	31	31	NUM
fsr-3776	208	7	(	(	PUNCT
fsr-3776	208	8	9	9	NUM
fsr-3776	208	9	1	1	NUM
fsr-3776	208	10	.	.	NOUN
fsr-3776	208	11	3	3	NUM
fsr-3776	208	12	)	)	PUNCT
fsr-3776	208	13	(	(	PUNCT
fsr-3776	208	14	.	.	PUNCT
fsr-3776	209	1	90	90	NUM
fsr-3776	209	2	7	7	NUM
fsr-3776	209	3	)	)	PUNCT
fsr-3776	209	4	(	(	PUNCT
fsr-3776	209	5	1	1	NUM
fsr-3776	209	6	1	1	NUM
fsr-3776	209	7	.	.	NOUN
fsr-3776	209	8	14	14	NUM
fsr-3776	209	9	)	)	PUNCT
fsr-3776	209	10	(	(	PUNCT
fsr-3776	209	11	1	1	NUM
fsr-3776	209	12	.0	.0	NUM
fsr-3776	209	13	2	2	NUM
fsr-3776	209	14	)	)	PUNCT
fsr-3776	209	15	(	(	PUNCT
fsr-3776	209	16	1	1	NUM
fsr-3776	209	17	.0	.0	NUM
fsr-3776	209	18	4	4	NUM
fsr-3776	209	19	)	)	PUNCT
fsr-3776	209	20	(	(	PUNCT
fsr-3776	209	21	.	.	PUNCT
fsr-3776	210	1	63	63	NUM
fsr-3776	210	2	5	5	NUM
fsr-3776	210	3	)	)	PUNCT
fsr-3776	210	4	(	(	PUNCT
fsr-3776	210	5	3	3	NUM
fsr-3776	210	6	.7	.7	NUM
fsr-3776	210	7	3	3	NUM
fsr-3776	210	8	)	)	PUNCT
fsr-3776	210	9	(	(	PUNCT
fsr-3776	210	10	9	9	NUM
fsr-3776	210	11	.8	.8	NUM
fsr-3776	210	12	)	)	PUNCT
fsr-3776	211	1	n	n	CCONJ
fsr-3776	211	2	ot	ot	INTJ
fsr-3776	211	3	es	es	X
fsr-3776	211	4	:	:	PUNCT
fsr-3776	211	5	pr	pr	X
fsr-3776	211	6	ic	ic	PROPN
fsr-3776	211	7	es	es	ADP
fsr-3776	211	8	a	a	DET
fsr-3776	211	9	re	re	NOUN
fsr-3776	211	10	d	d	NOUN
fsr-3776	211	11	is	be	AUX
fsr-3776	211	12	co	co	INTJ
fsr-3776	211	13	un	un	PROPN
fsr-3776	211	14	te	te	PROPN
fsr-3776	211	15	d	d	PROPN
fsr-3776	211	16	va	va	PROPN
fsr-3776	211	17	lu	lu	PROPN
fsr-3776	211	18	es	es	ADP
fsr-3776	211	19	o	o	PROPN
fsr-3776	211	20	f	f	X
fsr-3776	212	1	an	an	DET
fsr-3776	212	2	nu	nu	PROPN
fsr-3776	212	3	al	al	PROPN
fsr-3776	212	4	p	p	PROPN
fsr-3776	212	5	re	re	VERB
fsr-3776	212	6	m	m	PROPN
fsr-3776	212	7	iu	iu	ADP
fsr-3776	212	8	m	m	PROPN
fsr-3776	212	9	s	s	PART
fsr-3776	212	10	fo	fo	ADP
fsr-3776	212	11	r	r	NOUN
fsr-3776	212	12	an	an	DET
fsr-3776	212	13	in	in	ADP
fsr-3776	212	14	di	di	X
fsr-3776	212	15	vi	vi	PROPN
fsr-3776	212	16	du	du	PROPN
fsr-3776	212	17	al	al	PROPN
fsr-3776	212	18	a	a	DET
fsr-3776	212	19	ge	ge	PROPN
fsr-3776	212	20	u	u	PROPN
fsr-3776	212	21	p	p	X
fsr-3776	212	22	to	to	ADP
fsr-3776	212	23	3	3	NUM
fsr-3776	212	24	5	5	NUM
fsr-3776	212	25	ye	ye	PROPN
fsr-3776	212	26	ar	ar	PROPN
fsr-3776	212	27	s.	s.	PROPN
fsr-3776	212	28	‘	'	PUNCT
fsr-3776	212	29	i	i	PRON
fsr-3776	212	30	n	n	VERB
fsr-3776	212	31	t	t	NOUN
fsr-3776	212	32	=	=	PUNCT
fsr-3776	212	33	in	in	ADP
fsr-3776	212	34	te	te	PROPN
fsr-3776	212	35	rc	rc	PROPN
fsr-3776	212	36	ep	ep	PROPN
fsr-3776	212	37	t	t	PROPN
fsr-3776	212	38	;	;	PUNCT
fsr-3776	212	39	d	d	X
fsr-3776	212	40	e	e	NOUN
fsr-3776	212	41	f	f	X
fsr-3776	212	42	=	=	NOUN
fsr-3776	212	43	r	r	NOUN
fsr-3776	212	44	at	at	ADP
fsr-3776	212	45	io	io	X
fsr-3776	212	46	o	o	NOUN
fsr-3776	212	47	f	f	X
fsr-3776	213	1	“	"	PUNCT
fsr-3776	213	2	o	o	NOUN
fsr-3776	213	3	w	w	NOUN
fsr-3776	213	4	n	n	SYM
fsr-3776	213	5	oc	oc	ADP
fsr-3776	213	6	cu	cu	PROPN
fsr-3776	213	7	pa	pa	PROPN
fsr-3776	213	8	tio	tio	PROPN
fsr-3776	213	9	n	n	CCONJ
fsr-3776	213	10	”	"	PUNCT
fsr-3776	213	11	d	d	NOUN
fsr-3776	213	12	ur	ur	INTJ
fsr-3776	213	13	at	at	ADP
fsr-3776	213	14	io	io	PROPN
fsr-3776	213	15	n	n	PART
fsr-3776	213	16	to	to	PART
fsr-3776	213	17	to	to	ADP
fsr-3776	213	18	ta	ta	PROPN
fsr-3776	213	19	l	l	PROPN
fsr-3776	213	20	po	po	PROPN
fsr-3776	213	21	lic	lic	PROPN
fsr-3776	213	22	y	y	PROPN
fsr-3776	213	23	du	du	PROPN
fsr-3776	213	24	ra	ra	PROPN
fsr-3776	213	25	tio	tio	PROPN
fsr-3776	213	26	n	n	CCONJ
fsr-3776	213	27	;	;	PUNCT
fsr-3776	213	28	p	p	X
fsr-3776	213	29	r	r	NOUN
fsr-3776	213	30	e	e	NOUN
fsr-3776	213	31	x	x	X
fsr-3776	213	32	=	=	NOUN
fsr-3776	213	33	r	r	NOUN
fsr-3776	213	34	at	at	ADP
fsr-3776	213	35	io	io	X
fsr-3776	213	36	o	o	X
fsr-3776	213	37	f	f	X
fsr-3776	213	38	du	du	PROPN
fsr-3776	213	39	ra	ra	PROPN
fsr-3776	213	40	tio	tio	NOUN
fsr-3776	213	41	n	n	INTJ
fsr-3776	213	42	fo	fo	INTJ
fsr-3776	213	43	r	r	NOUN
fsr-3776	213	44	pr	pr	NOUN
fsr-3776	213	45	ee	ee	INTJ
fsr-3776	213	46	xi	xi	PROPN
fsr-3776	213	47	st	st	PROPN
fsr-3776	213	48	in	in	ADP
fsr-3776	213	49	g	g	PROPN
fsr-3776	213	50	co	co	PROPN
fsr-3776	213	51	nd	nd	PROPN
fsr-3776	213	52	iti	iti	PROPN
fsr-3776	213	53	on	on	ADP
fsr-3776	213	54	s	s	X
fsr-3776	213	55	cl	cl	NOUN
fsr-3776	213	56	au	au	X
fsr-3776	213	57	se	se	PROPN
fsr-3776	213	58	t	t	NOUN
fsr-3776	213	59	o	o	X
fsr-3776	213	60	to	to	ADP
fsr-3776	213	61	ta	ta	PROPN
fsr-3776	213	62	l	l	PROPN
fsr-3776	214	1	d	d	NOUN
fsr-3776	214	2	ur	ur	INTJ
fsr-3776	214	3	at	at	ADP
fsr-3776	214	4	io	io	X
fsr-3776	214	5	n	n	CCONJ
fsr-3776	214	6	;	;	PUNCT
fsr-3776	214	7	e	e	X
fsr-3776	214	8	p	p	X
fsr-3776	214	9	=	=	X
fsr-3776	214	10	ra	ra	PROPN
fsr-3776	214	11	tio	tio	NOUN
fsr-3776	214	12	o	o	NOUN
fsr-3776	215	1	f	f	PROPN
fsr-3776	215	2	el	el	PROPN
fsr-3776	216	1	i	i	PRON
fsr-3776	216	2	m	m	VERB
fsr-3776	216	3	in	in	ADP
fsr-3776	216	4	at	at	ADP
fsr-3776	216	5	io	io	PROPN
fsr-3776	216	6	n	n	ADV
fsr-3776	216	7	pe	pe	INTJ
fsr-3776	216	8	ri	ri	PROPN
fsr-3776	216	9	od	od	ADV
fsr-3776	216	10	t	t	X
fsr-3776	216	11	o	o	NOUN
fsr-3776	216	12	to	to	ADP
fsr-3776	216	13	ta	ta	PROPN
fsr-3776	216	14	l	l	PROPN
fsr-3776	217	1	d	d	NOUN
fsr-3776	217	2	ur	ur	INTJ
fsr-3776	217	3	at	at	ADP
fsr-3776	217	4	io	io	PROPN
fsr-3776	217	5	n	n	CCONJ
fsr-3776	217	6	;	;	PUNCT
fsr-3776	217	7	r	r	NOUN
fsr-3776	217	8	si	si	NOUN
fsr-3776	217	9	d	d	X
fsr-3776	217	10	l	l	NOUN
fsr-3776	217	11	=	=	PUNCT
fsr-3776	217	12	1	1	NUM
fsr-3776	217	13	if	if	SCONJ
fsr-3776	217	14	r	r	NOUN
fsr-3776	217	15	es	es	VERB
fsr-3776	217	16	i	i	PROPN
fsr-3776	218	1	d	d	PROPN
fsr-3776	218	2	ua	ua	PROPN
fsr-3776	219	1	l	l	PROPN
fsr-3776	219	2	d	d	PROPN
fsr-3776	219	3	is	be	AUX
fsr-3776	219	4	ab	ab	PROPN
fsr-3776	219	5	ili	ili	PROPN
fsr-3776	220	1	ty	ty	INTJ
fsr-3776	220	2	b	b	PROPN
fsr-3776	220	3	en	en	X
fsr-3776	220	4	ef	ef	X
fsr-3776	220	5	it	it	PRON
fsr-3776	220	6	of	of	ADP
fsr-3776	220	7	fe	fe	X
fsr-3776	220	8	re	re	X
fsr-3776	220	9	d	d	PROPN
fsr-3776	220	10	,	,	PUNCT
fsr-3776	220	11	0	0	NUM
fsr-3776	220	12	o	o	NOUN
fsr-3776	221	1	th	th	X
fsr-3776	221	2	er	er	INTJ
fsr-3776	221	3	w	w	NOUN
fsr-3776	221	4	is	be	AUX
fsr-3776	221	5	e	e	NOUN
fsr-3776	221	6	;	;	PUNCT
fsr-3776	221	7	r	r	NOUN
fsr-3776	221	8	si	si	NOUN
fsr-3776	221	9	m	m	NOUN
fsr-3776	221	10	=	=	NOUN
fsr-3776	221	11	1	1	NUM
fsr-3776	221	12	if	if	SCONJ
fsr-3776	221	13	r	r	NOUN
fsr-3776	221	14	es	es	VERB
fsr-3776	221	15	i	i	PROPN
fsr-3776	222	1	d	d	PROPN
fsr-3776	222	2	ua	ua	PROPN
fsr-3776	223	1	l	l	PROPN
fsr-3776	223	2	d	d	PROPN
fsr-3776	223	3	is	be	AUX
fsr-3776	223	4	ab	ab	PROPN
fsr-3776	223	5	ili	ili	PROPN
fsr-3776	224	1	ty	ty	INTJ
fsr-3776	224	2	b	b	PROPN
fsr-3776	224	3	en	en	INTJ
fsr-3776	224	4	ef	ef	X
fsr-3776	224	5	it	it	PRON
fsr-3776	225	1	no	no	INTJ
fsr-3776	225	2	t	t	NOUN
fsr-3776	225	3	c	c	NOUN
fsr-3776	225	4	on	on	ADP
fsr-3776	225	5	di	di	NOUN
fsr-3776	225	6	tio	tio	NOUN
fsr-3776	225	7	na	na	INTJ
fsr-3776	225	8	i	i	PRON
fsr-3776	225	9	on	on	ADP
fsr-3776	225	10	pr	pr	NOUN
fsr-3776	225	11	ev	ev	INTJ
fsr-3776	225	12	io	io	VERB
fsr-3776	225	13	us	us	PROPN
fsr-3776	226	1	t	t	PROPN
fsr-3776	226	2	ot	ot	INTJ
fsr-3776	226	3	al	al	PROPN
fsr-3776	226	4	d	d	PROPN
fsr-3776	226	5	is	be	AUX
fsr-3776	226	6	ab	ab	PROPN
fsr-3776	226	7	ili	ili	PROPN
fsr-3776	227	1	ty	ty	INTJ
fsr-3776	227	2	,	,	PUNCT
fsr-3776	227	3	0	0	NUM
fsr-3776	227	4	ot	ot	NOUN
fsr-3776	227	5	he	he	PRON
fsr-3776	227	6	rw	rw	PROPN
fsr-3776	227	7	is	be	AUX
fsr-3776	227	8	e	e	NOUN
fsr-3776	227	9	;	;	PUNCT
fsr-3776	227	10	r	r	NOUN
fsr-3776	227	11	si	si	NOUN
fsr-3776	227	12	d	d	X
fsr-3776	227	13	l	l	NOUN
fsr-3776	228	1	*	*	PUNCT
fsr-3776	228	2	r	r	NOUN
fsr-3776	228	3	si	si	NOUN
fsr-3776	228	4	d	d	ADP
fsr-3776	228	5	2	2	NUM
fsr-3776	228	6	=	=	SYM
fsr-3776	228	7	in	in	ADP
fsr-3776	228	8	te	te	INTJ
fsr-3776	228	9	ra	ra	PROPN
fsr-3776	228	10	ct	ct	PROPN
fsr-3776	228	11	io	io	PROPN
fsr-3776	228	12	n	n	PROPN
fsr-3776	228	13	ef	ef	X
fsr-3776	228	14	fe	fe	X
fsr-3776	228	15	ct	ct	INTJ
fsr-3776	228	16	;	;	PUNCT
fsr-3776	228	17	o	o	NOUN
fsr-3776	228	18	r	r	NOUN
fsr-3776	228	19	g	g	NOUN
fsr-3776	228	20	=	=	SYM
fsr-3776	228	21	1	1	NUM
fsr-3776	228	22	if	if	SCONJ
fsr-3776	228	23	m	m	VERB
fsr-3776	228	24	ut	ut	PROPN
fsr-3776	228	25	ua	ua	PROPN
fsr-3776	228	26	l	l	NOUN
fsr-3776	229	1	o	o	NOUN
fsr-3776	229	2	r	r	NOUN
fsr-3776	229	3	fr	fr	NOUN
fsr-3776	229	4	at	at	ADP
fsr-3776	229	5	er	er	INTJ
fsr-3776	229	6	na	na	INTJ
fsr-3776	229	7	l	l	NOUN
fsr-3776	229	8	in	in	ADP
fsr-3776	229	9	su	su	PROPN
fsr-3776	229	10	re	re	PROPN
fsr-3776	229	11	r	r	PROPN
fsr-3776	229	12	,	,	PUNCT
fsr-3776	229	13	0	0	NUM
fsr-3776	230	1	i	i	PRON
fsr-3776	230	2	f	f	PROPN
fsr-3776	230	3	st	st	PROPN
fsr-3776	230	4	oc	oc	PROPN
fsr-3776	230	5	k	k	PROPN
fsr-3776	230	6	in	in	ADP
fsr-3776	230	7	su	su	PROPN
fsr-3776	230	8	re	re	PROPN
fsr-3776	230	9	r	r	PROPN
fsr-3776	230	10	;	;	PUNCT
fsr-3776	230	11	d	d	X
fsr-3776	230	12	r	r	NOUN
fsr-3776	230	13	is	be	AUX
fsr-3776	230	14	k	k	NOUN
fsr-3776	230	15	=	=	PUNCT
fsr-3776	230	16	n	n	AUX
fsr-3776	230	17	um	um	INTJ
fsr-3776	230	18	be	be	AUX
fsr-3776	230	19	r	r	NOUN
fsr-3776	230	20	of	of	ADP
fsr-3776	230	21	i	i	PRON
fsr-3776	230	22	r	r	NOUN
fsr-3776	230	23	is	be	AUX
fsr-3776	230	24	ra	ra	PROPN
fsr-3776	230	25	tio	tio	NOUN
fsr-3776	230	26	s	s	NOUN
fsr-3776	230	27	ou	ou	NOUN
fsr-3776	230	28	ts	ts	ADP
fsr-3776	230	29	i	i	PROPN
fsr-3776	230	30	d	d	PROPN
fsr-3776	230	31	e	e	PROPN
fsr-3776	230	32	n	n	PROPN
fsr-3776	230	33	a	a	DET
fsr-3776	230	34	ic	ic	INTJ
fsr-3776	230	35	-p	-p	PUNCT
fsr-3776	230	36	re	re	PROPN
fsr-3776	230	37	sc	sc	PROPN
fsr-3776	230	38	ri	ri	PROPN
fsr-3776	230	39	be	be	AUX
fsr-3776	230	40	d	d	X
fsr-3776	230	41	ra	ra	NOUN
fsr-3776	230	42	ng	ng	PROPN
fsr-3776	230	43	e	e	PROPN
fsr-3776	230	44	di	di	X
fsr-3776	230	45	vi	vi	PROPN
fsr-3776	230	46	de	de	PROPN
fsr-3776	230	47	d	d	PROPN
fsr-3776	230	48	by	by	ADP
fsr-3776	230	49	t	t	PROPN
fsr-3776	230	50	ot	ot	INTJ
fsr-3776	230	51	al	al	PROPN
fsr-3776	230	52	r	r	PROPN
fsr-3776	230	53	at	at	ADP
fsr-3776	230	54	io	io	PROPN
fsr-3776	230	55	s	s	X
fsr-3776	230	56	re	re	X
fsr-3776	230	57	qu	qu	PROPN
fsr-3776	230	58	ir	ir	PROPN
fsr-3776	230	59	ed	ed	NOUN
fsr-3776	230	60	;	;	PUNCT
fsr-3776	231	1	m	m	PROPN
fsr-3776	231	2	s	s	PART
fsr-3776	231	3	=	=	ADJ
fsr-3776	231	4	m	m	PROPN
fsr-3776	231	5	ar	ar	PROPN
fsr-3776	231	6	ke	ke	PROPN
fsr-3776	231	7	t	t	PROPN
fsr-3776	231	8	sh	sh	PROPN
fsr-3776	231	9	ar	ar	PROPN
fsr-3776	231	10	e.	e.	PROPN
fsr-3776	231	11	v	v	PROPN
fsr-3776	231	12	al	al	PROPN
fsr-3776	231	13	ue	ue	PROPN
fsr-3776	232	1	s	s	PROPN
fsr-3776	232	2	in	in	ADP
fsr-3776	232	3	p	p	PROPN
fsr-3776	232	4	ar	ar	PROPN
fsr-3776	232	5	en	en	X
fsr-3776	232	6	th	th	X
fsr-3776	232	7	es	es	X
fsr-3776	232	8	es	es	X
fsr-3776	232	9	a	a	DET
fsr-3776	232	10	re	re	NOUN
fsr-3776	232	11	s	s	PROPN
fsr-3776	232	12	ta	ta	PROPN
fsr-3776	232	13	nd	nd	INTJ
fsr-3776	232	14	ar	ar	PROPN
fsr-3776	232	15	d	d	PROPN
fsr-3776	232	16	de	de	X
fsr-3776	232	17	vi	vi	PROPN
fsr-3776	232	18	at	at	ADP
fsr-3776	232	19	io	io	PROPN
fsr-3776	232	20	ns	ns	INTJ
fsr-3776	232	21	.	.	PUNCT
fsr-3776	233	1	*	*	PUNCT
fsr-3776	233	2	s	s	VERB
fsr-3776	233	3	ig	ig	PROPN
fsr-3776	233	4	ni	ni	PROPN
fsr-3776	233	5	fi	fi	NOUN
fsr-3776	233	6	ca	can	AUX
fsr-3776	233	7	nt	not	PART
fsr-3776	233	8	a	a	DET
fsr-3776	233	9	t	t	NOUN
fsr-3776	234	1	t	t	NOUN
fsr-3776	235	1	he	he	PRON
fsr-3776	235	2	.	.	PUNCT
fsr-3776	236	1	o	o	X
fsr-3776	236	2	l	l	PUNCT
fsr-3776	236	3	l	l	NOUN
fsr-3776	236	4	ev	ev	X
fsr-3776	236	5	el	el	PROPN
fsr-3776	236	6	.	.	PUNCT
fsr-3776	237	1	*	*	PUNCT
fsr-3776	237	2	*	*	PUNCT
fsr-3776	237	3	si	si	INTJ
fsr-3776	237	4	gn	gn	INTJ
fsr-3776	237	5	if	if	SCONJ
fsr-3776	237	6	ic	ic	PROPN
fsr-3776	237	7	an	an	DET
fsr-3776	237	8	t	t	NOUN
fsr-3776	237	9	a	a	DET
fsr-3776	237	10	t	t	NOUN
fsr-3776	237	11	t	t	NOUN
fsr-3776	237	12	he	he	PRON
fsr-3776	237	13	.	.	PUNCT
fsr-3776	238	1	05	05	NUM
fsr-3776	238	2	le	le	PROPN
fsr-3776	238	3	ve	ve	PROPN
fsr-3776	238	4	l.	l.	PROPN
fsr-3776	238	5	t	t	PROPN
fsr-3776	238	6	a	a	DET
fsr-3776	238	7	b	b	PROPN
fsr-3776	238	8	l	l	NOUN
fsr-3776	238	9	e	e	NOUN
fsr-3776	238	10	3	3	NUM
fsr-3776	238	11	r	r	NOUN
fsr-3776	238	12	eg	eg	NOUN
fsr-3776	238	13	re	re	NOUN
fsr-3776	238	14	ss	ss	PROPN
fsr-3776	238	15	io	io	PROPN
fsr-3776	238	16	n	n	ADV
fsr-3776	238	17	r	r	NOUN
fsr-3776	238	18	es	es	NOUN
fsr-3776	238	19	ul	ul	INTJ
fsr-3776	238	20	ts	ts	INTJ
fsr-3776	238	21	fo	fo	INTJ
fsr-3776	238	22	r	r	PROPN
fsr-3776	238	23	u	u	PROPN
fsr-3776	238	24	ni	ni	PROPN
fsr-3776	238	25	se	se	PROPN
fsr-3776	238	26	x	x	PROPN
fsr-3776	238	27	pr	pr	INTJ
fsr-3776	238	28	ic	ic	INTJ
fsr-3776	238	29	in	in	ADP
fsr-3776	238	30	g	g	PROPN
fsr-3776	238	31	of	of	ADP
fsr-3776	238	32	d	d	PROPN
fsr-3776	238	33	is	be	AUX
fsr-3776	238	34	ab	ab	PROPN
fsr-3776	238	35	ili	ili	PROPN
fsr-3776	238	36	ty	ty	INTJ
fsr-3776	238	37	in	in	ADP
fsr-3776	238	38	co	co	NOUN
fsr-3776	238	39	m	m	PROPN
fsr-3776	238	40	e	e	PROPN
fsr-3776	238	41	in	in	ADP
fsr-3776	238	42	su	su	PROPN
fsr-3776	238	43	ra	ra	PROPN
fsr-3776	238	44	nc	nc	PROPN
fsr-3776	238	45	e	e	PROPN
fsr-3776	238	46	w	w	PROPN
fsr-3776	238	47	ith	ith	PROPN
fsr-3776	238	48	t	t	PROPN
fsr-3776	238	49	w	w	PROPN
fsr-3776	238	50	oye	oye	PROPN
fsr-3776	238	51	ar	ar	PROPN
fsr-3776	238	52	d	d	PROPN
fsr-3776	238	53	ur	ur	INTJ
fsr-3776	238	54	at	at	ADP
fsr-3776	238	55	io	io	X
fsr-3776	238	56	ns	ns	NOUN
fsr-3776	238	57	r	r	NOUN
fsr-3776	238	58	eg	eg	NOUN
fsr-3776	238	59	re	re	ADP
fsr-3776	238	60	ss	ss	PROPN
fsr-3776	238	61	io	io	X
fsr-3776	238	62	in	in	ADP
fsr-3776	238	63	de	de	X
fsr-3776	238	64	pe	pe	X
fsr-3776	238	65	nd	nd	ADV
fsr-3776	238	66	en	en	ADP
fsr-3776	238	67	r	r	PROPN
fsr-3776	238	68	v	v	PROPN
fsr-3776	238	69	ar	ar	PROPN
fsr-3776	238	70	ia	ia	PROPN
fsr-3776	238	71	bl	bl	PROPN
fsr-3776	238	72	es	es	PROPN
fsr-3776	238	73	(	(	PUNCT
fsr-3776	238	74	ex	ex	X
fsr-3776	238	75	pe	pe	PROPN
fsr-3776	238	76	dr	dr	PROPN
fsr-3776	238	77	ed	ed	PROPN
fsr-3776	238	78	s	s	PART
fsr-3776	238	79	ig	ig	PROPN
fsr-3776	238	80	@	@	ADP
fsr-3776	238	81	sr	sr	PROPN
fsr-3776	238	82	af	af	PROPN
fsr-3776	238	83	is	be	AUX
fsr-3776	238	84	ri	ri	PROPN
fsr-3776	238	85	cs	cs	PROPN
fsr-3776	238	86	n	n	PROPN
fsr-3776	238	87	ep	ep	PROPN
fsr-3776	238	88	d	d	X
fsr-3776	238	89	ef	ef	PROPN
fsr-3776	238	90	p	p	NOUN
fsr-3776	238	91	r	r	NOUN
fsr-3776	238	92	ex	ex	NOUN
fsr-3776	238	93	r	r	NOUN
fsr-3776	239	1	si	si	NOUN
fsr-3776	240	1	d	d	NOUN
fsr-3776	241	1	i	i	PRON
fsr-3776	241	2	*	*	PUNCT
fsr-3776	241	3	r	r	NOUN
fsr-3776	241	4	si	si	PROPN
fsr-3776	241	5	d	d	PROPN
fsr-3776	241	6	2	2	NUM
fsr-3776	241	7	o	o	NOUN
fsr-3776	241	8	r	r	NOUN
fsr-3776	241	9	g	g	PROPN
fsr-3776	241	10	ir	ir	PROPN
fsr-3776	241	11	is	be	AUX
fsr-3776	241	12	m	m	PROPN
fsr-3776	241	13	s	s	NOUN
fsr-3776	241	14	n	n	PRON
fsr-3776	241	15	um	um	INTJ
fsr-3776	241	16	be	be	AUX
fsr-3776	241	17	r	r	NOUN
fsr-3776	241	18	ii	ii	NOUN
fsr-3776	241	19	~	~	PUNCT
fsr-3776	241	20	a	a	DET
fsr-3776	241	21	a@	a@	PROPN
fsr-3776	241	22	st	st	PROPN
fsr-3776	241	23	ed	ed	PROPN
fsr-3776	241	24	c	c	PROPN
fsr-3776	241	25	on	on	ADP
fsr-3776	241	26	di	di	X
fsr-3776	241	27	ri	ri	PROPN
fsr-3776	241	28	on	on	ADP
fsr-3776	241	29	h	h	PROPN
fsr-3776	241	30	(	(	PUNCT
fsr-3776	241	31	+	+	CCONJ
fsr-3776	241	32	i	i	PRON
fsr-3776	241	33	-	-	PUNCT
fsr-3776	241	34	)	)	PUNCT
fsr-3776	242	1	r	r	NOUN
fsr-3776	242	2	si	si	NOUN
fsr-3776	242	3	d	d	X
fsr-3776	242	4	i	i	PROPN
fsr-3776	242	5	(	(	PUNCT
fsr-3776	242	6	c	c	NOUN
fsr-3776	242	7	om	om	PROPN
fsr-3776	242	8	bi	bi	PROPN
fsr-3776	242	9	ne	ne	PROPN
fsr-3776	242	10	d	d	PROPN
fsr-3776	242	11	+	+	PROPN
fsr-3776	242	12	)	)	PUNCT
fsr-3776	242	13	(	(	PUNCT
fsr-3776	242	14	3	3	NUM
fsr-3776	242	15	6	6	NUM
fsr-3776	242	16	)	)	PUNCT
fsr-3776	242	17	(	(	PUNCT
fsr-3776	242	18	+	+	X
fsr-3776	242	19	)	)	PUNCT
fsr-3776	242	20	r	r	NOUN
fsr-3776	242	21	2	2	NUM
fsr-3776	242	22	in	in	ADP
fsr-3776	242	23	de	de	X
fsr-3776	242	24	x	x	PART
fsr-3776	242	25	o	o	NOUN
fsr-3776	242	26	bs	bs	INTJ
fsr-3776	242	27	er	er	INTJ
fsr-3776	242	28	ve	ve	VERB
fsr-3776	242	29	d	d	X
fsr-3776	242	30	(	(	PUNCT
fsr-3776	242	31	1	1	NUM
fsr-3776	242	32	)	)	PUNCT
fsr-3776	242	33	1	1	NUM
fsr-3776	242	34	.	.	NUM
fsr-3776	242	35	09	09	NUM
fsr-3776	243	1	*	*	PUNCT
fsr-3776	243	2	-5	-5	PUNCT
fsr-3776	243	3	.0	.0	NUM
fsr-3776	243	4	5	5	NUM
fsr-3776	243	5	*	*	SYM
fsr-3776	243	6	.0	.0	NUM
fsr-3776	244	1	56	56	NUM
fsr-3776	244	2	.0	.0	NUM
fsr-3776	244	3	72	72	NUM
fsr-3776	244	4	-.1	-.1	NUM
fsr-3776	244	5	62	62	NUM
fsr-3776	244	6	.1	.1	NUM
fsr-3776	244	7	57	57	NUM
fsr-3776	244	8	.1	.1	NUM
fsr-3776	244	9	69	69	NUM
fsr-3776	244	10	-.2	-.2	NUM
fsr-3776	244	11	04	04	NUM
fsr-3776	244	12	.3	.3	NUM
fsr-3776	244	13	95	95	NUM
fsr-3776	244	14	16	16	NUM
fsr-3776	244	15	.8	.8	NUM
fsr-3776	244	16	8	8	NUM
fsr-3776	244	17	25	25	NUM
fsr-3776	244	18	(	(	PUNCT
fsr-3776	244	19	.2	.2	NUM
fsr-3776	244	20	24	24	NUM
fsr-3776	244	21	)	)	PUNCT
fsr-3776	244	22	(	(	PUNCT
fsr-3776	244	23	1	1	NUM
fsr-3776	244	24	.4	.4	NUM
fsr-3776	244	25	7	7	NUM
fsr-3776	244	26	)	)	PUNCT
fsr-3776	244	27	(	(	PUNCT
fsr-3776	244	28	.	.	PUNCT
fsr-3776	244	29	17	17	NUM
fsr-3776	244	30	8)	8)	NUM
fsr-3776	244	31	(	(	PUNCT
fsr-3776	244	32	.	.	PUNCT
fsr-3776	244	33	10	10	NUM
fsr-3776	244	34	2	2	NUM
fsr-3776	244	35	)	)	PUNCT
fsr-3776	244	36	(	(	PUNCT
fsr-3776	244	37	.	.	PUNCT
fsr-3776	244	38	12	12	NUM
fsr-3776	244	39	6	6	NUM
fsr-3776	244	40	)	)	PUNCT
fsr-3776	244	41	(	(	PUNCT
fsr-3776	244	42	.	.	PUNCT
fsr-3776	244	43	11	11	NUM
fsr-3776	244	44	9	9	NUM
fsr-3776	244	45	)	)	PUNCT
fsr-3776	244	46	(	(	PUNCT
fsr-3776	244	47	.	.	PUNCT
fsr-3776	245	1	i	i	PRON
fsr-3776	245	2	13	13	NUM
fsr-3776	245	3	)	)	PUNCT
fsr-3776	245	4	(	(	PUNCT
fsr-3776	245	5	6	6	NUM
fsr-3776	245	6	.3	.3	NUM
fsr-3776	245	7	1	1	NUM
fsr-3776	245	8	)	)	PUNCT
fsr-3776	245	9	(	(	PUNCT
fsr-3776	245	10	2	2	NUM
fsr-3776	245	11	)	)	PUNCT
fsr-3776	245	12	1	1	NUM
fsr-3776	245	13	.	.	PUNCT
fsr-3776	245	14	&	&	CCONJ
fsr-3776	245	15	i	i	PRON
fsr-3776	245	16	*	*	PROPN
fsr-3776	245	17	-4	-4	PROPN
fsr-3776	245	18	.1	.1	NUM
fsr-3776	245	19	1	1	NUM
fsr-3776	245	20	*	*	SYM
fsr-3776	245	21	-.0	-.0	PROPN
fsr-3776	245	22	57	57	NUM
fsr-3776	245	23	.0	.0	NUM
fsr-3776	245	24	52	52	NUM
fsr-3776	245	25	-.0	-.0	PROPN
fsr-3776	245	26	85	85	NUM
fsr-3776	245	27	,	,	PUNCT
fsr-3776	245	28	2	2	NUM
fsr-3776	245	29	05	05	NUM
fsr-3776	245	30	-.0	-.0	PROPN
fsr-3776	245	31	94	94	NUM
fsr-3776	245	32	.3	.3	NUM
fsr-3776	245	33	34	34	NUM
fsr-3776	245	34	5	5	NUM
fsr-3776	245	35	.	.	PUNCT
fsr-3776	245	36	04	04	NUM
fsr-3776	246	1	*	*	PUNCT
fsr-3776	246	2	*	*	PUNCT
fsr-3776	247	1	.5	.5	NUM
fsr-3776	247	2	32	32	NUM
fsr-3776	247	3	18	18	NUM
fsr-3776	247	4	.4	.4	NUM
fsr-3776	247	5	3	3	NUM
fsr-3776	247	6	20	20	NUM
fsr-3776	247	7	.2	.2	NUM
fsr-3776	247	8	37	37	NUM
fsr-3776	247	9	)	)	PUNCT
fsr-3776	247	10	(	(	PUNCT
fsr-3776	247	11	1	1	NUM
fsr-3776	247	12	.4	.4	NUM
fsr-3776	247	13	8)	8)	NUM
fsr-3776	247	14	(	(	PUNCT
fsr-3776	247	15	.	.	PROPN
fsr-3776	248	1	19	19	NUM
fsr-3776	248	2	3	3	NUM
fsr-3776	248	3	)	)	PUNCT
fsr-3776	248	4	(	(	PUNCT
fsr-3776	248	5	1	1	NUM
fsr-3776	248	6	.2	.2	NUM
fsr-3776	248	7	2	2	NUM
fsr-3776	248	8	)	)	PUNCT
fsr-3776	248	9	(	(	PUNCT
fsr-3776	248	10	.	.	PUNCT
fsr-3776	249	1	14	14	NUM
fsr-3776	249	2	4	4	NUM
fsr-3776	249	3	)	)	PUNCT
fsr-3776	249	4	(	(	PUNCT
fsr-3776	249	5	.	.	PUNCT
fsr-3776	250	1	12	12	NUM
fsr-3776	250	2	6	6	NUM
fsr-3776	250	3	)	)	PUNCT
fsr-3776	250	4	(	(	PUNCT
fsr-3776	250	5	.	.	PUNCT
fsr-3776	251	1	14	14	NUM
fsr-3776	251	2	0	0	NUM
fsr-3776	251	3	)	)	PUNCT
fsr-3776	251	4	(	(	PUNCT
fsr-3776	251	5	.	.	PUNCT
fsr-3776	252	1	71	71	NUM
fsr-3776	252	2	4	4	NUM
fsr-3776	252	3	)	)	PUNCT
fsr-3776	252	4	(	(	PUNCT
fsr-3776	252	5	1	1	NUM
fsr-3776	252	6	.8	.8	NUM
fsr-3776	252	7	5	5	NUM
fsr-3776	252	8	)	)	PUNCT
fsr-3776	252	9	(	(	PUNCT
fsr-3776	252	10	3	3	X
fsr-3776	252	11	)	)	PUNCT
fsr-3776	252	12	.9	.9	NUM
fsr-3776	253	1	28	28	NUM
fsr-3776	253	2	*	*	SYM
fsr-3776	253	3	4	4	NUM
fsr-3776	253	4	.	.	X
fsr-3776	254	1	60	60	NUM
fsr-3776	254	2	*	*	PUNCT
fsr-3776	255	1	-.0	-.0	NOUN
fsr-3776	255	2	67	67	NUM
fsr-3776	255	3	.2	.2	NUM
fsr-3776	255	4	06	06	NUM
fsr-3776	255	5	-	-	PUNCT
fsr-3776	255	6	.	.	PUNCT
fsr-3776	256	1	41	41	NUM
fsr-3776	256	2	2	2	NUM
fsr-3776	256	3	*	*	PUNCT
fsr-3776	256	4	*	*	NOUN
fsr-3776	256	5	.4	.4	NUM
fsr-3776	256	6	86	86	NUM
fsr-3776	256	7	*	*	PUNCT
fsr-3776	257	1	-.2	-.2	NOUN
fsr-3776	257	2	75	75	NUM
fsr-3776	257	3	2	2	NUM
fsr-3776	257	4	.	.	PUNCT
fsr-3776	257	5	11	11	NUM
fsr-3776	257	6	*	*	PUNCT
fsr-3776	257	7	*	*	PUNCT
fsr-3776	257	8	5	5	NUM
fsr-3776	257	9	.	.	NUM
fsr-3776	257	10	92	92	NUM
fsr-3776	257	11	*	*	PUNCT
fsr-3776	257	12	.i	.i	NOUN
fsr-3776	258	1	34	34	NUM
fsr-3776	258	2	18	18	NUM
fsr-3776	258	3	.0	.0	NUM
fsr-3776	258	4	1	1	NUM
fsr-3776	258	5	17	17	NUM
fsr-3776	258	6	(	(	PUNCT
fsr-3776	258	7	.	.	PROPN
fsr-3776	258	8	20	20	NUM
fsr-3776	258	9	9	9	NUM
fsr-3776	258	10	)	)	PUNCT
fsr-3776	258	11	(	(	PUNCT
fsr-3776	258	12	1	1	NUM
fsr-3776	258	13	.2	.2	NUM
fsr-3776	258	14	5	5	NUM
fsr-3776	258	15	)	)	PUNCT
fsr-3776	258	16	(	(	PUNCT
fsr-3776	258	17	.	.	PUNCT
fsr-3776	258	18	15	15	NUM
fsr-3776	258	19	7	7	NUM
fsr-3776	258	20	)	)	PUNCT
fsr-3776	258	21	(	(	PUNCT
fsr-3776	258	22	.	.	PUNCT
fsr-3776	259	1	i	i	PRON
fsr-3776	259	2	16	16	NUM
fsr-3776	259	3	)	)	PUNCT
fsr-3776	259	4	(	(	PUNCT
fsr-3776	259	5	.	.	PUNCT
fsr-3776	260	1	w	w	X
fsr-3776	260	2	(	(	PUNCT
fsr-3776	260	3	.	.	PUNCT
fsr-3776	261	1	w	w	X
fsr-3776	261	2	(	(	PUNCT
fsr-3776	261	3	1	1	NUM
fsr-3776	261	4	.3	.3	NUM
fsr-3776	261	5	0	0	NUM
fsr-3776	261	6	)	)	PUNCT
fsr-3776	261	7	(	(	PUNCT
fsr-3776	261	8	.	.	PUNCT
fsr-3776	262	1	86	86	NUM
fsr-3776	262	2	5	5	NUM
fsr-3776	262	3	)	)	PUNCT
fsr-3776	262	4	(	(	PUNCT
fsr-3776	262	5	1	1	NUM
fsr-3776	262	6	.5	.5	NUM
fsr-3776	262	7	8)	8)	NUM
fsr-3776	262	8	n	n	NOUN
fsr-3776	262	9	or	or	CCONJ
fsr-3776	262	10	es	es	X
fsr-3776	262	11	:	:	PUNCT
fsr-3776	262	12	pr	pr	X
fsr-3776	262	13	ic	ic	PROPN
fsr-3776	262	14	es	es	PROPN
fsr-3776	262	15	ar	ar	PROPN
fsr-3776	262	16	c	c	PROPN
fsr-3776	262	17	di	di	X
fsr-3776	262	18	sc	sc	PROPN
fsr-3776	262	19	ou	ou	PROPN
fsr-3776	262	20	nt	not	PART
fsr-3776	263	1	ed	ed	PROPN
fsr-3776	263	2	va	va	PROPN
fsr-3776	263	3	lu	lu	PROPN
fsr-3776	263	4	es	es	PROPN
fsr-3776	263	5	of	of	ADP
fsr-3776	263	6	a	a	DET
fsr-3776	263	7	nn	nn	PROPN
fsr-3776	263	8	ua	ua	PROPN
fsr-3776	263	9	l	l	PROPN
fsr-3776	263	10	pr	pr	VERB
fsr-3776	263	11	em	em	PRON
fsr-3776	263	12	iu	iu	ADP
fsr-3776	263	13	m	m	PROPN
fsr-3776	263	14	s	s	PART
fsr-3776	264	1	fo	fo	ADP
fsr-3776	264	2	r	r	NOUN
fsr-3776	264	3	an	an	PRON
fsr-3776	265	1	i	i	PRON
fsr-3776	265	2	nd	nd	VERB
fsr-3776	265	3	iv	iv	INTJ
fsr-3776	266	1	i	i	NOUN
fsr-3776	266	2	d	d	PROPN
fsr-3776	266	3	ua	ua	PROPN
fsr-3776	266	4	l	l	PROPN
fsr-3776	266	5	ag	ag	PROPN
fsr-3776	266	6	ed	ed	PROPN
fsr-3776	266	7	35	35	NUM
fsr-3776	266	8	.	.	PUNCT
fsr-3776	267	1	fo	fo	INTJ
fsr-3776	267	2	r	r	NOUN
fsr-3776	267	3	de	de	PROPN
fsr-3776	267	4	fi	fi	PROPN
fsr-3776	267	5	ni	ni	PROPN
fsr-3776	267	6	tio	tio	PROPN
fsr-3776	267	7	ns	ns	INTJ
fsr-3776	267	8	of	of	ADP
fsr-3776	267	9	v	v	PROPN
fsr-3776	267	10	ar	ar	PROPN
fsr-3776	267	11	ia	ia	PROPN
fsr-3776	267	12	bl	bl	PROPN
fsr-3776	267	13	es	es	PROPN
fsr-3776	267	14	,	,	PUNCT
fsr-3776	267	15	se	se	X
fsr-3776	267	16	e	e	PROPN
fsr-3776	267	17	t	t	PROPN
fsr-3776	267	18	ab	ab	PROPN
fsr-3776	267	19	le	le	PROPN
fsr-3776	267	20	2	2	X
fsr-3776	267	21	.	.	PUNCT
fsr-3776	268	1	*	*	PUNCT
fsr-3776	268	2	s	s	PART
fsr-3776	268	3	ig	ig	PROPN
fsr-3776	268	4	ni	ni	PROPN
fsr-3776	268	5	fi	fi	NOUN
fsr-3776	268	6	ca	can	AUX
fsr-3776	268	7	nt	not	PART
fsr-3776	268	8	at	at	ADP
fsr-3776	268	9	t	t	PROPN
fsr-3776	268	10	he	he	PRON
fsr-3776	268	11	.	.	PUNCT
fsr-3776	269	1	01	01	NUM
fsr-3776	269	2	l	l	NOUN
fsr-3776	269	3	ev	ev	PROPN
fsr-3776	269	4	el	el	PROPN
fsr-3776	269	5	.	.	PUNCT
fsr-3776	270	1	*	*	PUNCT
fsr-3776	270	2	*	*	PUNCT
fsr-3776	270	3	si	si	INTJ
fsr-3776	270	4	gn	gn	INTJ
fsr-3776	270	5	if	if	SCONJ
fsr-3776	270	6	ic	ic	PROPN
fsr-3776	270	7	an	an	DET
fsr-3776	270	8	t	t	NOUN
fsr-3776	270	9	at	at	ADP
fsr-3776	270	10	t	t	PROPN
fsr-3776	270	11	he	he	PRON
fsr-3776	270	12	.	.	PUNCT
fsr-3776	271	1	05	05	NUM
fsr-3776	271	2	l	l	INTJ
fsr-3776	271	3	ev	ev	PROPN
fsr-3776	272	1	el	el	PROPN
fsr-3776	272	2	.	.	PUNCT
fsr-3776	273	1	the	the	DET
fsr-3776	273	2	market	market	NOUN
fsr-3776	273	3	pricing	pricing	NOUN
fsr-3776	273	4	of	of	ADP
fsr-3776	273	5	disabirity	disabirity	NOUN
fsr-3776	273	6	income	income	NOUN
fsr-3776	273	7	insurance	insurance	NOUN
fsr-3776	273	8	119	119	NUM
fsr-3776	273	9	one	one	NUM
fsr-3776	273	10	percent	percent	NOUN
fsr-3776	273	11	in	in	ADP
fsr-3776	273	12	regression	regression	NOUN
fsr-3776	273	13	(	(	PUNCT
fsr-3776	273	14	3	3	NUM
fsr-3776	273	15	)	)	PUNCT
fsr-3776	273	16	.	.	PUNCT
fsr-3776	274	1	despite	despite	SCONJ
fsr-3776	274	2	the	the	DET
fsr-3776	274	3	loss	loss	NOUN
fsr-3776	274	4	of	of	ADP
fsr-3776	274	5	eight	eight	NUM
fsr-3776	274	6	more	more	ADJ
fsr-3776	274	7	observations	observation	NOUN
fsr-3776	274	8	,	,	PUNCT
fsr-3776	274	9	the	the	DET
fsr-3776	274	10	adjusted	adjust	VERB
fsr-3776	274	11	r2	r2	NOUN
fsr-3776	274	12	increases	increase	NOUN
fsr-3776	274	13	by	by	ADP
fsr-3776	274	14	over	over	ADP
fsr-3776	274	15	10	10	NUM
fsr-3776	274	16	percentage	percentage	NOUN
fsr-3776	274	17	points	point	NOUN
fsr-3776	274	18	to	to	ADP
fsr-3776	274	19	61.8	61.8	NUM
fsr-3776	274	20	%	%	NOUN
fsr-3776	274	21	.	.	PUNCT
fsr-3776	275	1	the	the	DET
fsr-3776	275	2	elimination	elimination	NOUN
fsr-3776	275	3	period	period	NOUN
fsr-3776	275	4	and	and	CCONJ
fsr-3776	275	5	market	market	NOUN
fsr-3776	275	6	share	share	NOUN
fsr-3776	275	7	coefficients	coefficient	NOUN
fsr-3776	275	8	again	again	ADV
fsr-3776	275	9	are	be	AUX
fsr-3776	275	10	significant	significant	ADJ
fsr-3776	275	11	in	in	ADP
fsr-3776	275	12	the	the	DET
fsr-3776	275	13	expected	expect	VERB
fsr-3776	275	14	directions	direction	NOUN
fsr-3776	275	15	.	.	PUNCT
fsr-3776	276	1	both	both	CCONJ
fsr-3776	276	2	the	the	DET
fsr-3776	276	3	residual	residual	ADJ
fsr-3776	276	4	disability	disability	NOUN
fsr-3776	276	5	coefficients	coefficient	NOUN
fsr-3776	276	6	also	also	ADV
fsr-3776	276	7	are	be	AUX
fsr-3776	276	8	significant	significant	ADJ
fsr-3776	276	9	at	at	ADP
fsr-3776	276	10	the	the	DET
fsr-3776	276	11	.05	.05	NUM
fsr-3776	276	12	level	level	NOUN
fsr-3776	276	13	,	,	PUNCT
fsr-3776	276	14	but	but	CCONJ
fsr-3776	276	15	exhibit	exhibit	VERB
fsr-3776	276	16	opposite	opposite	ADJ
fsr-3776	276	17	signs	sign	NOUN
fsr-3776	276	18	.	.	PUNCT
fsr-3776	277	1	to	to	PART
fsr-3776	277	2	assess	assess	VERB
fsr-3776	277	3	the	the	DET
fsr-3776	277	4	combined	combined	ADJ
fsr-3776	277	5	effect	effect	NOUN
fsr-3776	277	6	for	for	ADP
fsr-3776	277	7	residual	residual	ADJ
fsr-3776	277	8	disability	disability	NOUN
fsr-3776	277	9	,	,	PUNCT
fsr-3776	277	10	we	we	PRON
fsr-3776	277	11	add	add	VERB
fsr-3776	277	12	the	the	DET
fsr-3776	277	13	rszdi	rszdi	NOUN
fsr-3776	277	14	coefficient	coefficient	NOUN
fsr-3776	277	15	to	to	ADP
fsr-3776	277	16	the	the	DET
fsr-3776	277	17	product	product	NOUN
fsr-3776	277	18	of	of	ADP
fsr-3776	277	19	the	the	DET
fsr-3776	277	20	second	second	ADJ
fsr-3776	277	21	coefficient	coefficient	NOUN
fsr-3776	277	22	(	(	PUNCT
fsr-3776	277	23	rszdl*rsid2	rszdl*rsid2	NOUN
fsr-3776	277	24	)	)	PUNCT
fsr-3776	277	25	multiplied	multiply	VERB
fsr-3776	277	26	by	by	ADP
fsr-3776	277	27	the	the	DET
fsr-3776	277	28	rszdi	rszdi	PROPN
fsr-3776	277	29	value	value	NOUN
fsr-3776	277	30	(	(	PUNCT
fsr-3776	277	31	zero	zero	NUM
fsr-3776	277	32	or	or	CCONJ
fsr-3776	277	33	one	one	NUM
fsr-3776	277	34	)	)	PUNCT
fsr-3776	277	35	for	for	ADP
fsr-3776	277	36	each	each	DET
fsr-3776	277	37	policy	policy	NOUN
fsr-3776	277	38	in	in	ADP
fsr-3776	277	39	the	the	DET
fsr-3776	277	40	subsample	subsample	NOUN
fsr-3776	277	41	.	.	PUNCT
fsr-3776	278	1	the	the	DET
fsr-3776	278	2	resulting	result	VERB
fsr-3776	278	3	effect	effect	NOUN
fsr-3776	278	4	is	be	AUX
fsr-3776	278	5	indeterminate	indeterminate	ADJ
fsr-3776	278	6	as	as	SCONJ
fsr-3776	278	7	price	price	NOUN
fsr-3776	278	8	is	be	AUX
fsr-3776	278	9	positively	positively	ADV
fsr-3776	278	10	related	relate	VERB
fsr-3776	278	11	to	to	ADP
fsr-3776	278	12	the	the	DET
fsr-3776	278	13	residual	residual	ADJ
fsr-3776	278	14	benefit	benefit	NOUN
fsr-3776	278	15	clauses	clause	NOUN
fsr-3776	278	16	for	for	ADP
fsr-3776	278	17	only	only	ADV
fsr-3776	278	18	15	15	NUM
fsr-3776	278	19	(	(	PUNCT
fsr-3776	278	20	48	48	NUM
fsr-3776	278	21	%	%	NOUN
fsr-3776	278	22	)	)	PUNCT
fsr-3776	278	23	of	of	ADP
fsr-3776	278	24	the	the	DET
fsr-3776	278	25	insurers	insurer	NOUN
fsr-3776	278	26	in	in	ADP
fsr-3776	278	27	the	the	DET
fsr-3776	278	28	subsample	subsample	ADJ
fsr-3776	278	29	.	.	PUNCT
fsr-3776	279	1	table	table	NOUN
fsr-3776	279	2	3	3	NUM
fsr-3776	279	3	exhibits	exhibit	VERB
fsr-3776	279	4	regression	regression	NOUN
fsr-3776	279	5	results	result	NOUN
fsr-3776	279	6	for	for	ADP
fsr-3776	279	7	unisex	unisex	NOUN
fsr-3776	279	8	-	-	PUNCT
fsr-3776	279	9	rated	rate	VERB
fsr-3776	279	10	policies	policy	NOUN
fsr-3776	279	11	with	with	ADP
fsr-3776	279	12	relatively	relatively	ADV
fsr-3776	279	13	short	short	ADJ
fsr-3776	279	14	,	,	PUNCT
fsr-3776	279	15	two	two	NUM
fsr-3776	279	16	-	-	PUNCT
fsr-3776	279	17	year	year	NOUN
fsr-3776	279	18	durations	duration	NOUN
fsr-3776	279	19	.	.	PUNCT
fsr-3776	280	1	the	the	DET
fsr-3776	280	2	coefficients	coefficient	NOUN
fsr-3776	280	3	for	for	ADP
fsr-3776	280	4	the	the	DET
fsr-3776	280	5	elimination	elimination	NOUN
fsr-3776	280	6	period	period	NOUN
fsr-3776	280	7	and	and	CCONJ
fsr-3776	280	8	market	market	NOUN
fsr-3776	280	9	share	share	NOUN
fsr-3776	280	10	are	be	AUX
fsr-3776	280	11	significant	significant	ADJ
fsr-3776	280	12	and	and	CCONJ
fsr-3776	280	13	in	in	ADP
fsr-3776	280	14	the	the	DET
fsr-3776	280	15	expected	expect	VERB
fsr-3776	280	16	direction	direction	NOUN
fsr-3776	280	17	for	for	ADP
fsr-3776	280	18	all	all	DET
fsr-3776	280	19	three	three	NUM
fsr-3776	280	20	regressions	regression	NOUN
fsr-3776	280	21	.	.	PUNCT
fsr-3776	281	1	results	result	NOUN
fsr-3776	281	2	for	for	ADP
fsr-3776	281	3	the	the	DET
fsr-3776	281	4	residual	residual	ADJ
fsr-3776	281	5	disability	disability	NOUN
fsr-3776	281	6	variables	variable	NOUN
fsr-3776	281	7	again	again	ADV
fsr-3776	281	8	are	be	AUX
fsr-3776	281	9	mixed	mix	VERB
fsr-3776	281	10	,	,	PUNCT
fsr-3776	281	11	although	although	SCONJ
fsr-3776	281	12	the	the	DET
fsr-3776	281	13	combined	combined	ADJ
fsr-3776	281	14	effect	effect	NOUN
fsr-3776	281	15	is	be	AUX
fsr-3776	281	16	significantly	significantly	ADV
fsr-3776	281	17	positive	positive	ADJ
fsr-3776	281	18	for	for	ADP
fsr-3776	281	19	the	the	DET
fsr-3776	281	20	majority	majority	NOUN
fsr-3776	281	21	of	of	ADP
fsr-3776	281	22	firms	firm	NOUN
fsr-3776	281	23	in	in	ADP
fsr-3776	281	24	the	the	DET
fsr-3776	281	25	reduced	reduced	ADJ
fsr-3776	281	26	sample	sample	NOUN
fsr-3776	281	27	of	of	ADP
fsr-3776	281	28	more	more	ADV
fsr-3776	281	29	active	active	ADJ
fsr-3776	281	30	dii	dii	NOUN
fsr-3776	281	31	insurers	insurer	NOUN
fsr-3776	281	32	,	,	PUNCT
fsr-3776	281	33	as	as	SCONJ
fsr-3776	281	34	shown	show	VERB
fsr-3776	281	35	by	by	ADP
fsr-3776	281	36	regression	regression	NOUN
fsr-3776	281	37	(	(	PUNCT
fsr-3776	281	38	3	3	NUM
fsr-3776	281	39	)	)	PUNCT
fsr-3776	281	40	.	.	PUNCT
fsr-3776	282	1	one	one	NUM
fsr-3776	282	2	abnormal	abnormal	ADJ
fsr-3776	282	3	result	result	NOUN
fsr-3776	282	4	is	be	AUX
fsr-3776	282	5	the	the	DET
fsr-3776	282	6	positive	positive	ADJ
fsr-3776	282	7	relation	relation	NOUN
fsr-3776	282	8	,	,	PUNCT
fsr-3776	282	9	significant	significant	ADJ
fsr-3776	282	10	at	at	ADP
fsr-3776	282	11	the	the	DET
fsr-3776	282	12	.05	.05	NUM
fsr-3776	282	13	level	level	NOUN
fsr-3776	282	14	,	,	PUNCT
fsr-3776	282	15	between	between	ADP
fsr-3776	282	16	default	default	NOUN
fsr-3776	282	17	risk	risk	NOUN
fsr-3776	282	18	(	(	PUNCT
fsr-3776	282	19	drzsk	drzsk	NOUN
fsr-3776	282	20	)	)	PUNCT
fsr-3776	282	21	and	and	CCONJ
fsr-3776	282	22	price	price	NOUN
fsr-3776	282	23	for	for	ADP
fsr-3776	282	24	the	the	DET
fsr-3776	282	25	reduced	reduced	ADJ
fsr-3776	282	26	sample	sample	NOUN
fsr-3776	282	27	examined	examine	VERB
fsr-3776	282	28	in	in	ADP
fsr-3776	282	29	this	this	DET
fsr-3776	282	30	regression	regression	NOUN
fsr-3776	282	31	.	.	PUNCT
fsr-3776	283	1	this	this	PRON
fsr-3776	283	2	may	may	AUX
fsr-3776	283	3	be	be	AUX
fsr-3776	283	4	a	a	DET
fsr-3776	283	5	spurious	spurious	ADJ
fsr-3776	283	6	result	result	NOUN
fsr-3776	283	7	because	because	SCONJ
fsr-3776	283	8	our	our	PRON
fsr-3776	283	9	iris	iris	NOUN
fsr-3776	283	10	proxy	proxy	NOUN
fsr-3776	283	11	does	do	AUX
fsr-3776	283	12	not	not	PART
fsr-3776	283	13	greatly	greatly	ADV
fsr-3776	283	14	discriminate	discriminate	VERB
fsr-3776	283	15	between	between	ADP
fsr-3776	283	16	all	all	DET
fsr-3776	283	17	sample	sample	NOUN
fsr-3776	283	18	insurers	insurer	NOUN
fsr-3776	283	19	,	,	PUNCT
fsr-3776	283	20	as	as	SCONJ
fsr-3776	283	21	we	we	PRON
fsr-3776	283	22	explained	explain	VERB
fsr-3776	283	23	previously	previously	ADV
fsr-3776	283	24	,	,	PUNCT
fsr-3776	283	25	and	and	CCONJ
fsr-3776	283	26	this	this	DET
fsr-3776	283	27	subsample	subsample	NOUN
fsr-3776	283	28	is	be	AUX
fsr-3776	283	29	very	very	ADV
fsr-3776	283	30	small	small	ADJ
fsr-3776	283	31	.	.	PUNCT
fsr-3776	284	1	another	another	DET
fsr-3776	284	2	possible	possible	ADJ
fsr-3776	284	3	explanation	explanation	NOUN
fsr-3776	284	4	is	be	AUX
fsr-3776	284	5	that	that	SCONJ
fsr-3776	284	6	buyers	buyer	NOUN
fsr-3776	284	7	of	of	ADP
fsr-3776	284	8	very	very	ADV
fsr-3776	284	9	short	short	ADJ
fsr-3776	284	10	duration	duration	NOUN
fsr-3776	284	11	policies	policy	NOUN
fsr-3776	284	12	should	should	AUX
fsr-3776	284	13	be	be	AUX
fsr-3776	284	14	less	less	ADV
fsr-3776	284	15	sensitive	sensitive	ADJ
fsr-3776	284	16	to	to	PART
fsr-3776	284	17	default	default	VERB
fsr-3776	284	18	risk	risk	NOUN
fsr-3776	284	19	than	than	SCONJ
fsr-3776	284	20	are	be	AUX
fsr-3776	284	21	buyers	buyer	NOUN
fsr-3776	284	22	of	of	ADP
fsr-3776	284	23	long	long	ADJ
fsr-3776	284	24	-	-	PUNCT
fsr-3776	284	25	term	term	NOUN
fsr-3776	284	26	policies	policy	NOUN
fsr-3776	284	27	because	because	SCONJ
fsr-3776	284	28	they	they	PRON
fsr-3776	284	29	have	have	VERB
fsr-3776	284	30	much	much	ADV
fsr-3776	284	31	less	less	ADJ
fsr-3776	284	32	at	at	ADP
fsr-3776	284	33	risk	risk	NOUN
fsr-3776	284	34	.	.	PUNCT
fsr-3776	285	1	we	we	PRON
fsr-3776	285	2	also	also	ADV
fsr-3776	285	3	note	note	VERB
fsr-3776	285	4	that	that	SCONJ
fsr-3776	285	5	,	,	PUNCT
fsr-3776	285	6	because	because	SCONJ
fsr-3776	285	7	of	of	ADP
fsr-3776	285	8	historically	historically	ADV
fsr-3776	285	9	low	low	ADJ
fsr-3776	285	10	failure	failure	NOUN
fsr-3776	285	11	rates	rate	NOUN
fsr-3776	285	12	in	in	ADP
fsr-3776	285	13	the	the	DET
fsr-3776	285	14	life	life	NOUN
fsr-3776	285	15	insurance	insurance	NOUN
fsr-3776	285	16	industry	industry	NOUN
fsr-3776	285	17	,	,	PUNCT
fsr-3776	285	18	insureds	insured	NOUN
fsr-3776	285	19	may	may	AUX
fsr-3776	285	20	have	have	AUX
fsr-3776	285	21	been	be	AUX
fsr-3776	285	22	little	little	ADV
fsr-3776	285	23	concerned	concerned	ADJ
fsr-3776	285	24	with	with	ADP
fsr-3776	285	25	insurer	insurer	NOUN
fsr-3776	285	26	solvency	solvency	NOUN
fsr-3776	285	27	risk	risk	NOUN
fsr-3776	285	28	in	in	ADP
fsr-3776	285	29	1988	1988	NUM
fsr-3776	285	30	.	.	PUNCT
fsr-3776	286	1	the	the	DET
fsr-3776	286	2	failures	failure	NOUN
fsr-3776	286	3	of	of	ADP
fsr-3776	286	4	such	such	ADJ
fsr-3776	286	5	visible	visible	ADJ
fsr-3776	286	6	life	life	NOUN
fsr-3776	286	7	/	/	SYM
fsr-3776	286	8	health	health	NOUN
fsr-3776	286	9	insurers	insurer	NOUN
fsr-3776	286	10	as	as	ADP
fsr-3776	286	11	executive	executive	ADJ
fsr-3776	286	12	life	life	NOUN
fsr-3776	286	13	,	,	PUNCT
fsr-3776	286	14	first	first	ADJ
fsr-3776	286	15	capital	capital	NOUN
fsr-3776	286	16	,	,	PUNCT
fsr-3776	286	17	and	and	CCONJ
fsr-3776	286	18	mutual	mutual	ADJ
fsr-3776	286	19	benefit	benefit	NOUN
fsr-3776	286	20	have	have	AUX
fsr-3776	286	21	changed	change	VERB
fsr-3776	286	22	public	public	ADJ
fsr-3776	286	23	perception	perception	NOUN
fsr-3776	286	24	of	of	ADP
fsr-3776	286	25	insurer	insurer	NOUN
fsr-3776	286	26	default	default	NOUN
fsr-3776	286	27	risk	risk	NOUN
fsr-3776	286	28	in	in	ADP
fsr-3776	286	29	subsequent	subsequent	ADJ
fsr-3776	286	30	years	year	NOUN
fsr-3776	286	31	.	.	PUNCT
fsr-3776	287	1	vi	vi	X
fsr-3776	287	2	.	.	NOUN
fsr-3776	287	3	summary	summary	NOUN
fsr-3776	287	4	and	and	CCONJ
fsr-3776	287	5	conclusions	conclusion	NOUN
fsr-3776	287	6	in	in	ADP
fsr-3776	287	7	our	our	PRON
fsr-3776	287	8	analysis	analysis	NOUN
fsr-3776	287	9	,	,	PUNCT
fsr-3776	287	10	we	we	PRON
fsr-3776	287	11	show	show	VERB
fsr-3776	287	12	that	that	SCONJ
fsr-3776	287	13	the	the	DET
fsr-3776	287	14	individual	individual	ADJ
fsr-3776	287	15	disability	disability	NOUN
fsr-3776	287	16	income	income	NOUN
fsr-3776	287	17	insurance	insurance	NOUN
fsr-3776	287	18	(	(	PUNCT
fsr-3776	287	19	dii	dii	NOUN
fsr-3776	287	20	)	)	PUNCT
fsr-3776	287	21	market	market	NOUN
fsr-3776	287	22	is	be	AUX
fsr-3776	287	23	similar	similar	ADJ
fsr-3776	287	24	in	in	ADP
fsr-3776	287	25	many	many	ADJ
fsr-3776	287	26	ways	way	NOUN
fsr-3776	287	27	to	to	ADP
fsr-3776	287	28	the	the	DET
fsr-3776	287	29	more	more	ADV
fsr-3776	287	30	heavily	heavily	ADV
fsr-3776	287	31	researched	research	VERB
fsr-3776	287	32	life	life	NOUN
fsr-3776	287	33	insurance	insurance	NOUN
fsr-3776	287	34	market	market	NOUN
fsr-3776	287	35	.	.	PUNCT
fsr-3776	288	1	our	our	PRON
fsr-3776	288	2	empirical	empirical	ADJ
fsr-3776	288	3	results	result	NOUN
fsr-3776	288	4	indicate	indicate	VERB
fsr-3776	288	5	that	that	SCONJ
fsr-3776	288	6	dii	dii	PROPN
fsr-3776	288	7	prices	price	NOUN
fsr-3776	288	8	effectively	effectively	ADV
fsr-3776	288	9	impound	impound	VERB
fsr-3776	288	10	several	several	ADJ
fsr-3776	288	11	contractual	contractual	ADJ
fsr-3776	288	12	and	and	CCONJ
fsr-3776	288	13	insurer	insurer	NOUN
fsr-3776	288	14	charac	charac	VERB
fsr-3776	288	15	teristics	teristic	NOUN
fsr-3776	288	16	in	in	ADP
fsr-3776	288	17	a	a	DET
fsr-3776	288	18	manner	manner	NOUN
fsr-3776	288	19	consistent	consistent	ADJ
fsr-3776	288	20	with	with	ADP
fsr-3776	288	21	a	a	DET
fsr-3776	288	22	competitive	competitive	ADJ
fsr-3776	288	23	environment	environment	NOUN
fsr-3776	288	24	.	.	PUNCT
fsr-3776	289	1	even	even	ADV
fsr-3776	289	2	though	though	SCONJ
fsr-3776	289	3	our	our	PRON
fsr-3776	289	4	data	datum	NOUN
fsr-3776	289	5	set	set	VERB
fsr-3776	289	6	is	be	AUX
fsr-3776	289	7	limited	limited	ADJ
fsr-3776	289	8	and	and	CCONJ
fsr-3776	289	9	subject	subject	ADJ
fsr-3776	289	10	to	to	ADP
fsr-3776	289	11	some	some	DET
fsr-3776	289	12	strong	strong	ADJ
fsr-3776	289	13	assumptions	assumption	NOUN
fsr-3776	289	14	,	,	PUNCT
fsr-3776	289	15	our	our	PRON
fsr-3776	289	16	results	result	NOUN
fsr-3776	289	17	show	show	VERB
fsr-3776	289	18	that	that	SCONJ
fsr-3776	289	19	elimination	elimination	NOUN
fsr-3776	289	20	period	period	NOUN
fsr-3776	289	21	provisions	provision	NOUN
fsr-3776	289	22	and	and	CCONJ
fsr-3776	289	23	insurers	insurer	NOUN
fsr-3776	289	24	’	'	PUNCT
fsr-3776	289	25	market	market	NOUN
fsr-3776	289	26	share	share	NOUN
fsr-3776	289	27	are	be	AUX
fsr-3776	289	28	strongly	strongly	ADV
fsr-3776	289	29	related	relate	VERB
fsr-3776	289	30	to	to	ADP
fsr-3776	289	31	dii	dii	PROPN
fsr-3776	289	32	prices	price	NOUN
fsr-3776	289	33	,	,	PUNCT
fsr-3776	289	34	while	while	SCONJ
fsr-3776	289	35	residual	residual	ADJ
fsr-3776	289	36	disability	disability	NOUN
fsr-3776	289	37	benefits	benefit	NOUN
fsr-3776	289	38	also	also	ADV
fsr-3776	289	39	are	be	AUX
fsr-3776	289	40	significant	significant	ADJ
fsr-3776	289	41	factors	factor	NOUN
fsr-3776	289	42	in	in	ADP
fsr-3776	289	43	some	some	DET
fsr-3776	289	44	instances	instance	NOUN
fsr-3776	289	45	.	.	PUNCT
fsr-3776	290	1	given	give	VERB
fsr-3776	290	2	the	the	DET
fsr-3776	290	3	incentive	incentive	NOUN
fsr-3776	290	4	structure	structure	NOUN
fsr-3776	290	5	of	of	ADP
fsr-3776	290	6	the	the	DET
fsr-3776	290	7	individual	individual	ADJ
fsr-3776	290	8	dii	dii	NOUN
fsr-3776	290	9	market	market	NOUN
fsr-3776	290	10	,	,	PUNCT
fsr-3776	290	11	we	we	PRON
fsr-3776	290	12	expect	expect	VERB
fsr-3776	290	13	insurers	insurer	NOUN
fsr-3776	290	14	to	to	PART
fsr-3776	290	15	face	face	VERB
fsr-3776	290	16	adverse	adverse	ADJ
fsr-3776	290	17	selection	selection	NOUN
fsr-3776	290	18	.	.	PUNCT
fsr-3776	291	1	in	in	ADP
fsr-3776	291	2	this	this	DET
fsr-3776	291	3	environment	environment	NOUN
fsr-3776	291	4	,	,	PUNCT
fsr-3776	291	5	we	we	PRON
fsr-3776	291	6	expect	expect	VERB
fsr-3776	291	7	them	they	PRON
fsr-3776	291	8	to	to	PART
fsr-3776	291	9	offer	offer	VERB
fsr-3776	291	10	a	a	DET
fsr-3776	291	11	broad	broad	ADJ
fsr-3776	291	12	menu	menu	NOUN
fsr-3776	291	13	of	of	ADP
fsr-3776	291	14	deductibles	deductible	NOUN
fsr-3776	291	15	to	to	PART
fsr-3776	291	16	distinguish	distinguish	VERB
fsr-3776	291	17	between	between	ADP
fsr-3776	291	18	highand	highand	ADJ
fsr-3776	291	19	low	low	ADJ
fsr-3776	291	20	-	-	PUNCT
fsr-3776	291	21	risk	risk	NOUN
fsr-3776	291	22	applicants	applicant	NOUN
fsr-3776	291	23	.	.	PUNCT
fsr-3776	292	1	our	our	PRON
fsr-3776	292	2	results	result	NOUN
fsr-3776	292	3	confirm	confirm	VERB
fsr-3776	292	4	that	that	SCONJ
fsr-3776	292	5	insurers	insurer	NOUN
fsr-3776	292	6	do	do	AUX
fsr-3776	292	7	offer	offer	VERB
fsr-3776	292	8	a	a	DET
fsr-3776	292	9	wide	wide	ADJ
fsr-3776	292	10	variety	variety	NOUN
fsr-3776	292	11	of	of	ADP
fsr-3776	292	12	elimination	elimination	NOUN
fsr-3776	292	13	periods	period	NOUN
fsr-3776	292	14	and	and	CCONJ
fsr-3776	292	15	that	that	SCONJ
fsr-3776	292	16	these	these	DET
fsr-3776	292	17	provisions	provision	NOUN
fsr-3776	292	18	are	be	AUX
fsr-3776	292	19	quite	quite	ADV
fsr-3776	292	20	important	important	ADJ
fsr-3776	292	21	in	in	ADP
fsr-3776	292	22	determining	determine	VERB
fsr-3776	292	23	dii	dii	NOUN
fsr-3776	292	24	prices	price	NOUN
fsr-3776	292	25	.	.	PUNCT
fsr-3776	293	1	such	such	ADJ
fsr-3776	293	2	evidence	evidence	NOUN
fsr-3776	293	3	is	be	AUX
fsr-3776	293	4	generally	generally	ADV
fsr-3776	293	5	supportive	supportive	ADJ
fsr-3776	293	6	of	of	ADP
fsr-3776	293	7	a	a	DET
fsr-3776	293	8	scenario	scenario	NOUN
fsr-3776	293	9	in	in	ADP
fsr-3776	293	10	which	which	PRON
fsr-3776	293	11	adverse	adverse	ADJ
fsr-3776	293	12	selection	selection	NOUN
fsr-3776	293	13	is	be	AUX
fsr-3776	293	14	present	present	ADJ
fsr-3776	293	15	.	.	PUNCT
fsr-3776	294	1	from	from	ADP
fsr-3776	294	2	the	the	DET
fsr-3776	294	3	individual	individual	NOUN
fsr-3776	294	4	’s	’s	PART
fsr-3776	294	5	perspective	perspective	NOUN
fsr-3776	294	6	,	,	PUNCT
fsr-3776	294	7	our	our	PRON
fsr-3776	294	8	results	result	NOUN
fsr-3776	294	9	show	show	VERB
fsr-3776	294	10	that	that	SCONJ
fsr-3776	294	11	the	the	DET
fsr-3776	294	12	elimination	elimination	NOUN
fsr-3776	294	13	period	period	NOUN
fsr-3776	294	14	is	be	AUX
fsr-3776	294	15	a	a	DET
fsr-3776	294	16	very	very	ADV
fsr-3776	294	17	important	important	ADJ
fsr-3776	294	18	pricing	pricing	NOUN
fsr-3776	294	19	factor	factor	NOUN
fsr-3776	294	20	and	and	CCONJ
fsr-3776	294	21	that	that	SCONJ
fsr-3776	294	22	low	low	ADJ
fsr-3776	294	23	-	-	PUNCT
fsr-3776	294	24	risk	risk	NOUN
fsr-3776	294	25	buyers	buyer	NOUN
fsr-3776	294	26	are	be	AUX
fsr-3776	294	27	given	give	VERB
fsr-3776	294	28	substantial	substantial	ADJ
fsr-3776	294	29	price	price	NOUN
fsr-3776	294	30	incentives	incentive	NOUN
fsr-3776	294	31	to	to	PART
fsr-3776	294	32	choose	choose	VERB
fsr-3776	294	33	longer	long	ADJ
fsr-3776	294	34	elimination	elimination	NOUN
fsr-3776	294	35	periods	period	NOUN
fsr-3776	294	36	.	.	PUNCT
fsr-3776	295	1	whether	whether	SCONJ
fsr-3776	295	2	high	high	ADJ
fsr-3776	295	3	-	-	PUNCT
fsr-3776	295	4	risk	risk	NOUN
fsr-3776	295	5	buyers	buyer	NOUN
fsr-3776	295	6	should	should	AUX
fsr-3776	295	7	do	do	AUX
fsr-3776	295	8	the	the	DET
fsr-3776	295	9	same	same	ADJ
fsr-3776	295	10	is	be	AUX
fsr-3776	295	11	a	a	DET
fsr-3776	295	12	central	central	ADJ
fsr-3776	295	13	economic	economic	ADJ
fsr-3776	295	14	question	question	NOUN
fsr-3776	295	15	that	that	PRON
fsr-3776	295	16	we	we	PRON
fsr-3776	295	17	can	can	AUX
fsr-3776	295	18	not	not	PART
fsr-3776	295	19	resolve	resolve	VERB
fsr-3776	295	20	,	,	PUNCT
fsr-3776	295	21	however	however	ADV
fsr-3776	295	22	.	.	PUNCT
fsr-3776	296	1	our	our	PRON
fsr-3776	296	2	results	result	NOUN
fsr-3776	296	3	also	also	ADV
fsr-3776	296	4	indicate	indicate	VERB
fsr-3776	296	5	that	that	SCONJ
fsr-3776	296	6	individuals	individual	NOUN
fsr-3776	296	7	willing	willing	ADJ
fsr-3776	296	8	to	to	PART
fsr-3776	296	9	forgo	forgo	VERB
fsr-3776	296	10	non	non	ADJ
fsr-3776	296	11	-	-	ADJ
fsr-3776	296	12	price	price	ADJ
fsr-3776	296	13	attributes	attribute	NOUN
fsr-3776	296	14	,	,	PUNCT
fsr-3776	296	15	such	such	ADJ
fsr-3776	296	16	as	as	ADP
fsr-3776	296	17	service	service	NOUN
fsr-3776	296	18	,	,	PUNCT
fsr-3776	296	19	can	can	AUX
fsr-3776	296	20	extract	extract	VERB
fsr-3776	296	21	lower	low	ADJ
fsr-3776	296	22	prices	price	NOUN
fsr-3776	296	23	from	from	ADP
fsr-3776	296	24	smaller	small	ADJ
fsr-3776	296	25	120	120	NUM
fsr-3776	296	26	financial	financial	ADJ
fsr-3776	296	27	services	service	NOUN
fsr-3776	296	28	review	review	NOUN
fsr-3776	296	29	4(2	4(2	NUM
fsr-3776	296	30	)	)	PUNCT
fsr-3776	296	31	1995	1995	NUM
fsr-3776	296	32	dii	dii	NOUN
fsr-3776	296	33	providers	provider	NOUN
fsr-3776	296	34	.	.	PUNCT
fsr-3776	297	1	finally	finally	ADV
fsr-3776	297	2	,	,	PUNCT
fsr-3776	297	3	our	our	PRON
fsr-3776	297	4	findings	finding	NOUN
fsr-3776	297	5	provide	provide	VERB
fsr-3776	297	6	a	a	DET
fsr-3776	297	7	preliminary	preliminary	ADJ
fsr-3776	297	8	indication	indication	NOUN
fsr-3776	297	9	that	that	SCONJ
fsr-3776	297	10	disability	disability	NOUN
fsr-3776	297	11	defini	defini	NOUN
fsr-3776	297	12	tions	tion	NOUN
fsr-3776	297	13	,	,	PUNCT
fsr-3776	297	14	preexisting	preexist	VERB
fsr-3776	297	15	conditions	condition	NOUN
fsr-3776	297	16	clauses	clause	NOUN
fsr-3776	297	17	,	,	PUNCT
fsr-3776	297	18	and	and	CCONJ
fsr-3776	297	19	insurer	insurer	NOUN
fsr-3776	297	20	solvency	solvency	NOUN
fsr-3776	297	21	may	may	AUX
fsr-3776	297	22	not	not	PART
fsr-3776	297	23	be	be	AUX
fsr-3776	297	24	fully	fully	ADV
fsr-3776	297	25	impounded	impound	VERB
fsr-3776	297	26	in	in	ADP
fsr-3776	297	27	dii	dii	NOUN
fsr-3776	297	28	prices	price	NOUN
fsr-3776	297	29	.	.	PUNCT
fsr-3776	298	1	if	if	SCONJ
fsr-3776	298	2	subsequent	subsequent	ADJ
fsr-3776	298	3	investigations	investigation	NOUN
fsr-3776	298	4	confirm	confirm	VERB
fsr-3776	298	5	these	these	DET
fsr-3776	298	6	results	result	NOUN
fsr-3776	298	7	,	,	PUNCT
fsr-3776	298	8	then	then	ADV
fsr-3776	298	9	individuals	individual	NOUN
fsr-3776	298	10	need	need	VERB
fsr-3776	298	11	to	to	PART
fsr-3776	298	12	be	be	AUX
fsr-3776	298	13	better	well	ADV
fsr-3776	298	14	informed	inform	VERB
fsr-3776	298	15	about	about	ADP
fsr-3776	298	16	these	these	DET
fsr-3776	298	17	factors	factor	NOUN
fsr-3776	298	18	by	by	ADP
fsr-3776	298	19	financial	financial	ADJ
fsr-3776	298	20	advisors	advisor	NOUN
fsr-3776	298	21	and	and	CCONJ
fsr-3776	298	22	educators	educator	NOUN
fsr-3776	298	23	.	.	PUNCT
fsr-3776	299	1	because	because	SCONJ
fsr-3776	299	2	of	of	ADP
fsr-3776	299	3	data	datum	NOUN
fsr-3776	299	4	limitations	limitation	NOUN
fsr-3776	299	5	,	,	PUNCT
fsr-3776	299	6	we	we	PRON
fsr-3776	299	7	can	can	AUX
fsr-3776	299	8	not	not	PART
fsr-3776	299	9	provide	provide	VERB
fsr-3776	299	10	a	a	DET
fsr-3776	299	11	direct	direct	ADJ
fsr-3776	299	12	test	test	NOUN
fsr-3776	299	13	of	of	ADP
fsr-3776	299	14	adverse	adverse	ADJ
fsr-3776	299	15	selection	selection	NOUN
fsr-3776	299	16	in	in	ADP
fsr-3776	299	17	the	the	DET
fsr-3776	299	18	dii	dii	NOUN
fsr-3776	299	19	market	market	NOUN
fsr-3776	299	20	.	.	PUNCT
fsr-3776	300	1	we	we	PRON
fsr-3776	300	2	anticipate	anticipate	VERB
fsr-3776	300	3	that	that	SCONJ
fsr-3776	300	4	further	further	ADJ
fsr-3776	300	5	refinement	refinement	NOUN
fsr-3776	300	6	of	of	ADP
fsr-3776	300	7	the	the	DET
fsr-3776	300	8	theory	theory	NOUN
fsr-3776	300	9	of	of	ADP
fsr-3776	300	10	adverse	adverse	ADJ
fsr-3776	300	11	selection	selection	NOUN
fsr-3776	300	12	and	and	CCONJ
fsr-3776	300	13	direct	direct	ADJ
fsr-3776	300	14	testing	testing	NOUN
fsr-3776	300	15	will	will	AUX
fsr-3776	300	16	provide	provide	VERB
fsr-3776	300	17	more	more	ADV
fsr-3776	300	18	definitive	definitive	ADJ
fsr-3776	300	19	answers	answer	NOUN
fsr-3776	300	20	as	as	ADP
fsr-3776	300	21	to	to	ADP
fsr-3776	300	22	why	why	SCONJ
fsr-3776	300	23	individuals	individual	NOUN
fsr-3776	300	24	’	'	PUNCT
fsr-3776	300	25	purchase	purchase	NOUN
fsr-3776	300	26	rates	rate	NOUN
fsr-3776	300	27	are	be	AUX
fsr-3776	300	28	so	so	ADV
fsr-3776	300	29	low	low	ADJ
fsr-3776	300	30	.	.	PUNCT
fsr-3776	301	1	efforts	effort	NOUN
fsr-3776	301	2	exploring	explore	VERB
fsr-3776	301	3	the	the	DET
fsr-3776	301	4	impact	impact	NOUN
fsr-3776	301	5	of	of	ADP
fsr-3776	301	6	insurers	insurer	NOUN
fsr-3776	301	7	’	'	PUNCT
fsr-3776	301	8	claims	claim	NOUN
fsr-3776	301	9	practices	practice	NOUN
fsr-3776	301	10	and	and	CCONJ
fsr-3776	301	11	their	their	PRON
fsr-3776	301	12	marketing	marketing	NOUN
fsr-3776	301	13	and	and	CCONJ
fsr-3776	301	14	distribution	distribution	NOUN
fsr-3776	301	15	policies	policy	NOUN
fsr-3776	301	16	on	on	ADP
fsr-3776	301	17	adverse	adverse	ADJ
fsr-3776	301	18	selection	selection	NOUN
fsr-3776	301	19	also	also	ADV
fsr-3776	301	20	represent	represent	VERB
fsr-3776	301	21	potential	potential	ADJ
fsr-3776	301	22	contributions	contribution	NOUN
fsr-3776	301	23	.	.	PUNCT
fsr-3776	302	1	alternative	alternative	ADJ
fsr-3776	302	2	data	data	NOUN
fsr-3776	302	3	sets	set	NOUN
fsr-3776	302	4	also	also	ADV
fsr-3776	302	5	may	may	AUX
fsr-3776	302	6	advance	advance	VERB
fsr-3776	302	7	our	our	PRON
fsr-3776	302	8	knowledge	knowledge	NOUN
fsr-3776	302	9	with	with	ADP
fsr-3776	302	10	respect	respect	NOUN
fsr-3776	302	11	to	to	ADP
fsr-3776	302	12	contractual	contractual	ADJ
fsr-3776	302	13	and	and	CCONJ
fsr-3776	302	14	insurer	insurer	NOUN
fsr-3776	302	15	characteristics	characteristic	NOUN
fsr-3776	302	16	that	that	PRON
fsr-3776	302	17	did	do	AUX
fsr-3776	302	18	not	not	PART
fsr-3776	302	19	have	have	VERB
fsr-3776	302	20	a	a	DET
fsr-3776	302	21	significant	significant	ADJ
fsr-3776	302	22	impact	impact	NOUN
fsr-3776	302	23	on	on	ADP
fsr-3776	302	24	prices	price	NOUN
fsr-3776	302	25	in	in	ADP
fsr-3776	302	26	our	our	PRON
fsr-3776	302	27	study	study	NOUN
fsr-3776	302	28	.	.	PUNCT
fsr-3776	303	1	new	new	ADJ
fsr-3776	303	2	research	research	NOUN
fsr-3776	303	3	initiatives	initiative	NOUN
fsr-3776	303	4	inevitably	inevitably	ADV
fsr-3776	303	5	will	will	AUX
fsr-3776	303	6	face	face	VERB
fsr-3776	303	7	difficult	difficult	ADJ
fsr-3776	303	8	constraints	constraint	NOUN
fsr-3776	303	9	,	,	PUNCT
fsr-3776	303	10	however	however	ADV
fsr-3776	303	11	,	,	PUNCT
fsr-3776	303	12	because	because	SCONJ
fsr-3776	303	13	the	the	DET
fsr-3776	303	14	available	available	ADJ
fsr-3776	303	15	public	public	ADJ
fsr-3776	303	16	data	datum	NOUN
fsr-3776	303	17	are	be	AUX
fsr-3776	303	18	quite	quite	ADV
fsr-3776	303	19	limited	limited	ADJ
fsr-3776	303	20	and	and	CCONJ
fsr-3776	303	21	this	this	DET
fsr-3776	303	22	problem	problem	NOUN
fsr-3776	303	23	is	be	AUX
fsr-3776	303	24	likely	likely	ADJ
fsr-3776	303	25	to	to	PART
fsr-3776	303	26	be	be	AUX
fsr-3776	303	27	exacerbated	exacerbate	VERB
fsr-3776	303	28	as	as	ADP
fsr-3776	303	29	market	market	NOUN
fsr-3776	303	30	power	power	NOUN
fsr-3776	303	31	becomes	becomes	AUX
fsr-3776	303	32	increasingly	increasingly	ADV
fsr-3776	303	33	concentrated	concentrate	VERB
fsr-3776	303	34	within	within	ADP
fsr-3776	303	35	a	a	DET
fsr-3776	303	36	small	small	ADJ
fsr-3776	303	37	group	group	NOUN
fsr-3776	303	38	of	of	ADP
fsr-3776	303	39	insurers	insurer	NOUN
fsr-3776	303	40	.	.	PUNCT
fsr-3776	304	1	acknowledgments	acknowledgment	NOUN
fsr-3776	304	2	:	:	PUNCT
fsr-3776	304	3	the	the	DET
fsr-3776	304	4	authors	author	NOUN
fsr-3776	304	5	thank	thank	VERB
fsr-3776	304	6	helen	helen	PROPN
fsr-3776	304	7	doerpinghaus	doerpinghaus	PROPN
fsr-3776	304	8	,	,	PUNCT
fsr-3776	304	9	han	han	PROPN
fsr-3776	304	10	kang	kang	PROPN
fsr-3776	304	11	,	,	PUNCT
fsr-3776	304	12	and	and	CCONJ
fsr-3776	304	13	jorge	jorge	VERB
fsr-3776	304	14	urrutia	urrutia	PROPN
fsr-3776	304	15	for	for	ADP
fsr-3776	304	16	their	their	PRON
fsr-3776	304	17	helpful	helpful	ADJ
fsr-3776	304	18	comments	comment	NOUN
fsr-3776	304	19	on	on	ADP
fsr-3776	304	20	previous	previous	ADJ
fsr-3776	304	21	versions	version	NOUN
fsr-3776	304	22	of	of	ADP
fsr-3776	304	23	this	this	DET
fsr-3776	304	24	paper	paper	NOUN
fsr-3776	304	25	.	.	PUNCT
fsr-3776	305	1	notes	note	VERB
fsr-3776	305	2	1	1	NUM
fsr-3776	305	3	.	.	PUNCT
fsr-3776	305	4	according	accord	VERB
fsr-3776	305	5	to	to	ADP
fsr-3776	305	6	the	the	DET
fsr-3776	305	7	life	life	NOUN
fsr-3776	305	8	insurance	insurance	NOUN
fsr-3776	305	9	marketing	marketing	NOUN
fsr-3776	305	10	and	and	CCONJ
fsr-3776	305	11	research	research	NOUN
fsr-3776	305	12	association	association	NOUN
fsr-3776	305	13	(	(	PUNCT
fsr-3776	305	14	limra	limra	NOUN
fsr-3776	305	15	;	;	PUNCT
fsr-3776	305	16	1989	1989	NUM
fsr-3776	305	17	)	)	PUNCT
fsr-3776	305	18	,	,	PUNCT
fsr-3776	305	19	the	the	DET
fsr-3776	305	20	largest	large	ADJ
fsr-3776	305	21	provider	provider	NOUN
fsr-3776	305	22	of	of	ADP
fsr-3776	305	23	individual	individual	ADJ
fsr-3776	305	24	disability	disability	NOUN
fsr-3776	305	25	income	income	NOUN
fsr-3776	305	26	insurance	insurance	NOUN
fsr-3776	305	27	wrote	write	VERB
fsr-3776	305	28	only	only	ADV
fsr-3776	305	29	12.6	12.6	NUM
fsr-3776	305	30	%	%	NOUN
fsr-3776	305	31	of	of	ADP
fsr-3776	305	32	premiums	premium	NOUN
fsr-3776	305	33	written	write	VERB
fsr-3776	305	34	on	on	ADP
fsr-3776	305	35	both	both	DET
fsr-3776	305	36	guaranteed	guarantee	VERB
fsr-3776	305	37	renewable	renewable	ADJ
fsr-3776	305	38	and	and	CCONJ
fsr-3776	305	39	noncancellable	noncancellable	ADJ
fsr-3776	305	40	policies	policy	NOUN
fsr-3776	305	41	combined	combine	VERB
fsr-3776	305	42	in	in	ADP
fsr-3776	305	43	1988	1988	NUM
fsr-3776	305	44	.	.	PUNCT
fsr-3776	306	1	the	the	DET
fsr-3776	306	2	top	top	ADJ
fsr-3776	306	3	four	four	NUM
fsr-3776	306	4	insurers	insurer	NOUN
fsr-3776	306	5	accounted	account	VERB
fsr-3776	306	6	for	for	ADP
fsr-3776	306	7	only	only	ADV
fsr-3776	306	8	37.2	37.2	NUM
fsr-3776	306	9	%	%	NOUN
fsr-3776	306	10	of	of	ADP
fsr-3776	306	11	the	the	DET
fsr-3776	306	12	market	market	NOUN
fsr-3776	306	13	surveyed	survey	VERB
fsr-3776	306	14	by	by	ADP
fsr-3776	306	15	limra	limra	NOUN
fsr-3776	306	16	.	.	PUNCT
fsr-3776	307	1	more	more	ADV
fsr-3776	307	2	recent	recent	ADJ
fsr-3776	307	3	information	information	NOUN
fsr-3776	307	4	,	,	PUNCT
fsr-3776	307	5	discussed	discuss	VERB
fsr-3776	307	6	below	below	ADV
fsr-3776	307	7	,	,	PUNCT
fsr-3776	307	8	indicates	indicate	VERB
fsr-3776	307	9	increasing	increase	VERB
fsr-3776	307	10	market	market	NOUN
fsr-3776	307	11	concentration	concentration	NOUN
fsr-3776	307	12	since	since	SCONJ
fsr-3776	307	13	that	that	DET
fsr-3776	307	14	time	time	NOUN
fsr-3776	307	15	.	.	PUNCT
fsr-3776	308	1	2	2	X
fsr-3776	308	2	.	.	X
fsr-3776	308	3	the	the	DET
fsr-3776	308	4	life	life	NOUN
fsr-3776	308	5	insurance	insurance	NOUN
fsr-3776	308	6	fact	fact	NOUN
fsr-3776	308	7	book	book	NOUN
fsr-3776	308	8	(	(	PUNCT
fsr-3776	308	9	american	american	PROPN
fsr-3776	308	10	council	council	PROPN
fsr-3776	308	11	of	of	ADP
fsr-3776	308	12	life	life	PROPN
fsr-3776	308	13	insurance	insurance	NOUN
fsr-3776	308	14	,	,	PUNCT
fsr-3776	308	15	1994	1994	NUM
fsr-3776	308	16	)	)	PUNCT
fsr-3776	308	17	indicates	indicate	VERB
fsr-3776	308	18	that	that	SCONJ
fsr-3776	308	19	67	67	NUM
fsr-3776	308	20	%	%	NOUN
fsr-3776	308	21	of	of	ADP
fsr-3776	308	22	all	all	DET
fsr-3776	308	23	adults	adult	NOUN
fsr-3776	308	24	own	own	VERB
fsr-3776	308	25	some	some	DET
fsr-3776	308	26	type	type	NOUN
fsr-3776	308	27	of	of	ADP
fsr-3776	308	28	life	life	NOUN
fsr-3776	308	29	insurance	insurance	NOUN
fsr-3776	308	30	,	,	PUNCT
fsr-3776	308	31	while	while	SCONJ
fsr-3776	308	32	cox	cox	PROPN
fsr-3776	308	33	,	,	PUNCT
fsr-3776	308	34	gustavson	gustavson	NOUN
fsr-3776	308	35	,	,	PUNCT
fsr-3776	308	36	and	and	CCONJ
fsr-3776	308	37	stam	stam	VERB
fsr-3776	308	38	(	(	PUNCT
fsr-3776	308	39	1991	1991	NUM
fsr-3776	308	40	)	)	PUNCT
fsr-3776	308	41	find	find	VERB
fsr-3776	308	42	that	that	SCONJ
fsr-3776	308	43	only	only	ADV
fsr-3776	308	44	22	22	NUM
fsr-3776	308	45	%	%	NOUN
fsr-3776	308	46	of	of	ADP
fsr-3776	308	47	u.s	u.s	PROPN
fsr-3776	308	48	.	.	PROPN
fsr-3776	308	49	earners	earner	NOUN
fsr-3776	308	50	own	own	VERB
fsr-3776	308	51	dii	dii	NOUN
fsr-3776	308	52	.	.	PUNCT
fsr-3776	309	1	3	3	X
fsr-3776	309	2	.	.	X
fsr-3776	309	3	for	for	ADP
fsr-3776	309	4	further	further	ADJ
fsr-3776	309	5	discussion	discussion	NOUN
fsr-3776	309	6	of	of	ADP
fsr-3776	309	7	the	the	DET
fsr-3776	309	8	elimination	elimination	NOUN
fsr-3776	309	9	period	period	NOUN
fsr-3776	309	10	and	and	CCONJ
fsr-3776	309	11	how	how	SCONJ
fsr-3776	309	12	it	it	PRON
fsr-3776	309	13	varies	vary	VERB
fsr-3776	309	14	from	from	ADP
fsr-3776	309	15	a	a	DET
fsr-3776	309	16	probationary	probationary	ADJ
fsr-3776	309	17	period	period	NOUN
fsr-3776	309	18	or	or	CCONJ
fsr-3776	309	19	time	time	NOUN
fsr-3776	309	20	deductible	deductible	ADJ
fsr-3776	309	21	,	,	PUNCT
fsr-3776	309	22	see	see	VERB
fsr-3776	309	23	f’luet	f’luet	PROPN
fsr-3776	309	24	(	(	PUNCT
fsr-3776	309	25	1992	1992	NUM
fsr-3776	309	26	)	)	PUNCT
fsr-3776	309	27	.	.	PUNCT
fsr-3776	310	1	4	4	X
fsr-3776	310	2	.	.	X
fsr-3776	310	3	other	other	ADJ
fsr-3776	310	4	researchers	researcher	NOUN
fsr-3776	310	5	,	,	PUNCT
fsr-3776	310	6	most	most	ADV
fsr-3776	310	7	notably	notably	ADV
fsr-3776	310	8	wilson	wilson	PROPN
fsr-3776	310	9	(	(	PUNCT
fsr-3776	310	10	1977	1977	NUM
fsr-3776	310	11	)	)	PUNCT
fsr-3776	310	12	and	and	CCONJ
fsr-3776	310	13	miyazaki	miyazaki	PROPN
fsr-3776	310	14	(	(	PUNCT
fsr-3776	310	15	1977	1977	NUM
fsr-3776	310	16	)	)	PUNCT
fsr-3776	310	17	,	,	PUNCT
fsr-3776	310	18	disagree	disagree	VERB
fsr-3776	310	19	with	with	ADP
fsr-3776	310	20	roth	roth	PROPN
fsr-3776	310	21	schild	schild	PROPN
fsr-3776	310	22	and	and	CCONJ
fsr-3776	310	23	stiglitz	stiglitz	PROPN
fsr-3776	310	24	’s	’s	PART
fsr-3776	310	25	view	view	NOUN
fsr-3776	310	26	of	of	ADP
fsr-3776	310	27	a	a	DET
fsr-3776	310	28	separating	separate	VERB
fsr-3776	310	29	equilibrium	equilibrium	NOUN
fsr-3776	310	30	.	.	PUNCT
fsr-3776	311	1	they	they	PRON
fsr-3776	311	2	theorize	theorize	VERB
fsr-3776	311	3	a	a	DET
fsr-3776	311	4	pooling	pool	VERB
fsr-3776	311	5	equilibrium	equilibrium	NOUN
fsr-3776	311	6	in	in	ADP
fsr-3776	311	7	which	which	PRON
fsr-3776	311	8	both	both	CCONJ
fsr-3776	311	9	high	high	ADJ
fsr-3776	311	10	-	-	PUNCT
fsr-3776	311	11	risk	risk	NOUN
fsr-3776	311	12	and	and	CCONJ
fsr-3776	311	13	low	low	ADJ
fsr-3776	311	14	-	-	PUNCT
fsr-3776	311	15	risk	risk	NOUN
fsr-3776	311	16	applicants	applicant	NOUN
fsr-3776	311	17	purchase	purchase	NOUN
fsr-3776	311	18	insurance	insurance	NOUN
fsr-3776	311	19	at	at	ADP
fsr-3776	311	20	the	the	DET
fsr-3776	311	21	same	same	ADJ
fsr-3776	311	22	price	price	NOUN
fsr-3776	311	23	,	,	PUNCT
fsr-3776	311	24	such	such	ADJ
fsr-3776	311	25	that	that	DET
fsr-3776	311	26	low	low	ADJ
fsr-3776	311	27	-	-	PUNCT
fsr-3776	311	28	risk	risk	NOUN
fsr-3776	311	29	applicants	applicant	NOUN
fsr-3776	311	30	subsidize	subsidize	VERB
fsr-3776	311	31	their	their	PRON
fsr-3776	311	32	high	high	ADJ
fsr-3776	311	33	-	-	PUNCT
fsr-3776	311	34	risk	risk	NOUN
fsr-3776	311	35	counterparts	counterpart	NOUN
fsr-3776	311	36	.	.	PUNCT
fsr-3776	312	1	5	5	X
fsr-3776	312	2	.	.	X
fsr-3776	312	3	one	one	NUM
fsr-3776	312	4	exception	exception	NOUN
fsr-3776	312	5	is	be	AUX
fsr-3776	312	6	the	the	DET
fsr-3776	312	7	direct	direct	ADJ
fsr-3776	312	8	marketing	marketing	NOUN
fsr-3776	312	9	of	of	ADP
fsr-3776	312	10	accidental	accidental	ADJ
fsr-3776	312	11	disability	disability	NOUN
fsr-3776	312	12	insurance	insurance	NOUN
fsr-3776	312	13	by	by	ADP
fsr-3776	312	14	banks	bank	NOUN
fsr-3776	312	15	to	to	PART
fsr-3776	312	16	cover	cover	VERB
fsr-3776	312	17	individuals	individual	NOUN
fsr-3776	312	18	’	'	PUNCT
fsr-3776	312	19	monthly	monthly	ADJ
fsr-3776	312	20	mortgage	mortgage	NOUN
fsr-3776	312	21	payments	payment	NOUN
fsr-3776	312	22	.	.	PUNCT
fsr-3776	313	1	6	6	X
fsr-3776	313	2	.	.	X
fsr-3776	313	3	a	a	DET
fsr-3776	313	4	growing	grow	VERB
fsr-3776	313	5	minority	minority	NOUN
fsr-3776	313	6	of	of	ADP
fsr-3776	313	7	policies	policy	NOUN
fsr-3776	313	8	contains	contain	VERB
fsr-3776	313	9	definitions	definition	NOUN
fsr-3776	313	10	based	base	VERB
fsr-3776	313	11	upon	upon	SCONJ
fsr-3776	313	12	the	the	DET
fsr-3776	313	13	percentage	percentage	NOUN
fsr-3776	313	14	of	of	ADP
fsr-3776	313	15	income	income	NOUN
fsr-3776	313	16	lost	lose	VERB
fsr-3776	313	17	.	.	PUNCT
fsr-3776	314	1	such	such	ADJ
fsr-3776	314	2	“	"	PUNCT
fsr-3776	314	3	loss	loss	NOUN
fsr-3776	314	4	of	of	ADP
fsr-3776	314	5	income	income	NOUN
fsr-3776	314	6	”	"	PUNCT
fsr-3776	314	7	definitions	definition	NOUN
fsr-3776	314	8	can	can	AUX
fsr-3776	314	9	be	be	AUX
fsr-3776	314	10	either	either	CCONJ
fsr-3776	314	11	more	more	ADV
fsr-3776	314	12	or	or	CCONJ
fsr-3776	314	13	less	less	ADV
fsr-3776	314	14	generous	generous	ADJ
fsr-3776	314	15	than	than	ADP
fsr-3776	314	16	ones	one	NOUN
fsr-3776	314	17	with	with	ADP
fsr-3776	314	18	own	own	ADJ
fsr-3776	314	19	occupation	occupation	NOUN
fsr-3776	314	20	definitions	definition	NOUN
fsr-3776	314	21	,	,	PUNCT
fsr-3776	314	22	depending	depend	VERB
fsr-3776	314	23	upon	upon	SCONJ
fsr-3776	314	24	the	the	DET
fsr-3776	314	25	specific	specific	ADJ
fsr-3776	314	26	terms	term	NOUN
fsr-3776	314	27	.	.	PUNCT
fsr-3776	315	1	7	7	X
fsr-3776	315	2	.	.	X
fsr-3776	315	3	we	we	PRON
fsr-3776	315	4	initially	initially	ADV
fsr-3776	315	5	examined	examine	VERB
fsr-3776	315	6	renewability	renewability	NOUN
fsr-3776	315	7	provisions	provision	NOUN
fsr-3776	315	8	,	,	PUNCT
fsr-3776	315	9	which	which	PRON
fsr-3776	315	10	should	should	AUX
fsr-3776	315	11	be	be	AUX
fsr-3776	315	12	of	of	ADP
fsr-3776	315	13	great	great	ADJ
fsr-3776	315	14	value	value	NOUN
fsr-3776	315	15	to	to	ADP
fsr-3776	315	16	insureds	insured	NOUN
fsr-3776	315	17	.	.	PUNCT
fsr-3776	316	1	al1	al1	PROPN
fsr-3776	316	2	firms	firm	NOUN
fsr-3776	316	3	in	in	ADP
fsr-3776	316	4	our	our	PRON
fsr-3776	316	5	sample	sample	NOUN
fsr-3776	316	6	offered	offer	VERB
fsr-3776	316	7	renewability	renewability	NOUN
fsr-3776	316	8	clauses	clause	NOUN
fsr-3776	316	9	,	,	PUNCT
fsr-3776	316	10	but	but	CCONJ
fsr-3776	316	11	between	between	ADP
fsr-3776	316	12	-	-	PUNCT
fsr-3776	316	13	firm	firm	NOUN
fsr-3776	316	14	differences	difference	NOUN
fsr-3776	316	15	were	be	AUX
fsr-3776	316	16	small	small	ADJ
fsr-3776	316	17	.	.	PUNCT
fsr-3776	317	1	we	we	PRON
fsr-3776	317	2	now	now	ADV
fsr-3776	317	3	omit	omit	VERB
fsr-3776	317	4	them	they	PRON
fsr-3776	317	5	from	from	ADP
fsr-3776	317	6	our	our	PRON
fsr-3776	317	7	analysis	analysis	NOUN
fsr-3776	317	8	because	because	SCONJ
fsr-3776	317	9	they	they	PRON
fsr-3776	317	10	provide	provide	VERB
fsr-3776	317	11	no	no	DET
fsr-3776	317	12	incremental	incremental	ADJ
fsr-3776	317	13	explanatory	explanatory	ADJ
fsr-3776	317	14	power	power	NOUN
fsr-3776	317	15	with	with	ADP
fsr-3776	317	16	regard	regard	NOUN
fsr-3776	317	17	to	to	ADP
fsr-3776	317	18	prices	price	NOUN
fsr-3776	317	19	.	.	PUNCT
fsr-3776	318	1	8	8	X
fsr-3776	318	2	.	.	PUNCT
fsr-3776	318	3	annual	annual	ADJ
fsr-3776	318	4	dii	dii	NOUN
fsr-3776	318	5	premiums	premium	NOUN
fsr-3776	318	6	are	be	AUX
fsr-3776	318	7	discounted	discount	VERB
fsr-3776	318	8	by	by	ADP
fsr-3776	318	9	seasoned	season	VERB
fsr-3776	318	10	,	,	PUNCT
fsr-3776	318	11	u.s	u.s	PROPN
fsr-3776	318	12	.	.	PROPN
fsr-3776	318	13	treasury	treasury	PROPN
fsr-3776	318	14	bond	bond	NOUN
fsr-3776	318	15	rates	rate	NOUN
fsr-3776	318	16	for	for	ADP
fsr-3776	318	17	bonds	bond	NOUN
fsr-3776	318	18	with	with	ADP
fsr-3776	318	19	maturity	maturity	NOUN
fsr-3776	318	20	dates	date	NOUN
fsr-3776	318	21	equal	equal	ADJ
fsr-3776	318	22	to	to	ADP
fsr-3776	318	23	the	the	DET
fsr-3776	318	24	benefit	benefit	NOUN
fsr-3776	318	25	duration	duration	NOUN
fsr-3776	318	26	.	.	PUNCT
fsr-3776	319	1	9	9	X
fsr-3776	319	2	.	.	X
fsr-3776	319	3	no	no	DET
fsr-3776	319	4	dividend	dividend	NOUN
fsr-3776	319	5	schedules	schedule	NOUN
fsr-3776	319	6	for	for	ADP
fsr-3776	319	7	the	the	DET
fsr-3776	319	8	sample	sample	NOUN
fsr-3776	319	9	policies	policy	NOUN
fsr-3776	319	10	are	be	AUX
fsr-3776	319	11	provided	provide	VERB
fsr-3776	319	12	by	by	ADP
fsr-3776	319	13	our	our	PRON
fsr-3776	319	14	data	datum	NOUN
fsr-3776	319	15	source	source	NOUN
fsr-3776	319	16	.	.	PUNCT
fsr-3776	320	1	our	our	PRON
fsr-3776	320	2	anecdotal	anecdotal	ADJ
fsr-3776	320	3	evidence	evidence	NOUN
fsr-3776	320	4	indicates	indicate	VERB
fsr-3776	320	5	that	that	SCONJ
fsr-3776	320	6	major	major	ADJ
fsr-3776	320	7	insurers	insurer	NOUN
fsr-3776	320	8	issuing	issue	VERB
fsr-3776	320	9	policies	policy	NOUN
fsr-3776	320	10	labeled	label	VERB
fsr-3776	320	11	as	as	ADP
fsr-3776	320	12	participating	participate	VERB
fsr-3776	320	13	by	by	ADP
fsr-3776	320	14	national	national	ADJ
fsr-3776	320	15	the	the	DET
fsr-3776	320	16	market	market	NOUN
fsr-3776	320	17	iwing	iwing	NOUN
fsr-3776	320	18	of	of	ADP
fsr-3776	320	19	~is~~~	~is~~~	NUM
fsr-3776	320	20	income	income	NOUN
fsr-3776	320	21	insurance	insurance	NOUN
fsr-3776	320	22	121	121	NUM
fsr-3776	320	23	underwriter	underwriter	NOUN
fsr-3776	320	24	do	do	AUX
fsr-3776	320	25	not	not	PART
fsr-3776	320	26	publish	publish	VERB
fsr-3776	320	27	such	such	ADJ
fsr-3776	320	28	schedules	schedule	NOUN
fsr-3776	320	29	,	,	PUNCT
fsr-3776	320	30	although	although	SCONJ
fsr-3776	320	31	they	they	PRON
fsr-3776	320	32	do	do	VERB
fsr-3776	320	33	so	so	ADV
fsr-3776	320	34	for	for	ADP
fsr-3776	320	35	life	life	NOUN
fsr-3776	320	36	insurance	insurance	NOUN
fsr-3776	320	37	products	product	NOUN
fsr-3776	320	38	.	.	PUNCT
fsr-3776	321	1	in	in	ADP
fsr-3776	321	2	fact	fact	NOUN
fsr-3776	321	3	,	,	PUNCT
fsr-3776	321	4	representatives	representative	NOUN
fsr-3776	321	5	of	of	ADP
fsr-3776	321	6	several	several	ADJ
fsr-3776	321	7	large	large	ADJ
fsr-3776	321	8	mutual	mutual	ADJ
fsr-3776	321	9	insurers	insurer	NOUN
fsr-3776	321	10	informed	inform	VERB
fsr-3776	321	11	us	we	PRON
fsr-3776	321	12	that	that	SCONJ
fsr-3776	321	13	dividends	dividend	NOUN
fsr-3776	321	14	are	be	AUX
fsr-3776	321	15	rarely	rarely	ADV
fsr-3776	321	16	,	,	PUNCT
fsr-3776	321	17	if	if	SCONJ
fsr-3776	321	18	ever	ever	ADV
fsr-3776	321	19	,	,	PUNCT
fsr-3776	321	20	declared	declare	VERB
fsr-3776	321	21	on	on	ADP
fsr-3776	321	22	dii	dii	NOUN
fsr-3776	321	23	policies	policy	NOUN
fsr-3776	321	24	.	.	PUNCT
fsr-3776	322	1	10	10	NUM
fsr-3776	322	2	.	.	PUNCT
fsr-3776	323	1	at	at	ADP
fsr-3776	323	2	the	the	DET
fsr-3776	323	3	time	time	NOUN
fsr-3776	323	4	of	of	ADP
fsr-3776	323	5	this	this	DET
fsr-3776	323	6	writing	writing	NOUN
fsr-3776	323	7	,	,	PUNCT
fsr-3776	323	8	many	many	ADJ
fsr-3776	323	9	leading	lead	VERB
fsr-3776	323	10	dii	dii	NOUN
fsr-3776	323	11	issuers	issuer	NOUN
fsr-3776	323	12	are	be	AUX
fsr-3776	323	13	returning	return	VERB
fsr-3776	323	14	to	to	ADP
fsr-3776	323	15	gender	gender	NOUN
fsr-3776	323	16	-	-	PUNCT
fsr-3776	323	17	based	base	VERB
fsr-3776	323	18	pricing	pricing	NOUN
fsr-3776	323	19	by	by	ADP
fsr-3776	323	20	charging	charge	VERB
fsr-3776	323	21	females	female	NOUN
fsr-3776	323	22	higher	high	ADJ
fsr-3776	323	23	rates	rate	NOUN
fsr-3776	323	24	@lease	@lease	PROPN
fsr-3776	323	25	,	,	PUNCT
fsr-3776	323	26	1995	1995	NUM
fsr-3776	323	27	)	)	PUNCT
fsr-3776	323	28	.	.	PUNCT
fsr-3776	324	1	although	although	SCONJ
fsr-3776	324	2	the	the	DET
fsr-3776	324	3	frequency	frequency	NOUN
fsr-3776	324	4	of	of	ADP
fsr-3776	324	5	disability	disability	NOUN
fsr-3776	324	6	during	during	ADP
fsr-3776	324	7	the	the	DET
fsr-3776	324	8	working	work	VERB
fsr-3776	324	9	lifetime	lifetime	NOUN
fsr-3776	324	10	has	have	AUX
fsr-3776	324	11	been	be	AUX
fsr-3776	324	12	greater	great	ADJ
fsr-3776	324	13	historically	historically	ADV
fsr-3776	324	14	for	for	ADP
fsr-3776	324	15	cohorts	cohort	NOUN
fsr-3776	324	16	of	of	ADP
fsr-3776	324	17	females	female	NOUN
fsr-3776	324	18	(	(	PUNCT
fsr-3776	324	19	see	see	VERB
fsr-3776	324	20	cox	cox	PROPN
fsr-3776	324	21	,	,	PUNCT
fsr-3776	324	22	gustavson	gustavson	PROPN
fsr-3776	324	23	,	,	PUNCT
fsr-3776	324	24	&	&	CCONJ
fsr-3776	324	25	stam	stam	VERB
fsr-3776	324	26	,	,	PUNCT
fsr-3776	324	27	1991	1991	NUM
fsr-3776	324	28	)	)	PUNCT
fsr-3776	324	29	,	,	PUNCT
fsr-3776	324	30	recent	recent	ADJ
fsr-3776	324	31	industry	industry	NOUN
fsr-3776	324	32	experience	experience	NOUN
fsr-3776	324	33	now	now	ADV
fsr-3776	324	34	indicates	indicate	VERB
fsr-3776	324	35	that	that	SCONJ
fsr-3776	324	36	loss	loss	NOUN
fsr-3776	324	37	severity	severity	NOUN
fsr-3776	324	38	is	be	AUX
fsr-3776	324	39	higher	high	ADJ
fsr-3776	324	40	for	for	ADP
fsr-3776	324	41	females	female	NOUN
fsr-3776	324	42	,	,	PUNCT
fsr-3776	324	43	too	too	ADV
fsr-3776	324	44	(	(	PUNCT
fsr-3776	324	45	conning	con	VERB
fsr-3776	324	46	&	&	CCONJ
fsr-3776	324	47	company	company	NOUN
fsr-3776	324	48	,	,	PUNCT
fsr-3776	324	49	1993	1993	NUM
fsr-3776	324	50	)	)	PUNCT
fsr-3776	324	51	.	.	PUNCT
fsr-3776	325	1	references	reference	NOUN
fsr-3776	325	2	akerlof	akerlof	VERB
fsr-3776	325	3	,	,	PUNCT
fsr-3776	325	4	g.a	g.a	PROPN
fsr-3776	325	5	.	.	PROPN
fsr-3776	326	1	(	(	PUNCT
fsr-3776	326	2	1970	1970	NUM
fsr-3776	326	3	)	)	PUNCT
fsr-3776	326	4	.	.	PUNCT
fsr-3776	327	1	the	the	DET
fsr-3776	327	2	market	market	NOUN
fsr-3776	327	3	for	for	ADP
fsr-3776	327	4	“	"	PUNCT
fsr-3776	327	5	lemons	lemon	NOUN
fsr-3776	327	6	”	"	PUNCT
fsr-3776	327	7	:	:	PUNCT
fsr-3776	327	8	quality	quality	NOUN
fsr-3776	327	9	uncertainty	uncertainty	NOUN
fsr-3776	327	10	and	and	CCONJ
fsr-3776	327	11	the	the	DET
fsr-3776	327	12	market	market	NOUN
fsr-3776	327	13	mechanism	mechanism	NOUN
fsr-3776	327	14	.	.	PUNCT
fsr-3776	328	1	quarterly	quarterly	ADJ
fsr-3776	328	2	journal	journal	NOUN
fsr-3776	328	3	of	of	ADP
fsr-3776	328	4	economics	economic	NOUN
fsr-3776	328	5	,	,	PUNCT
fsr-3776	328	6	84,488	84,488	NUM
fsr-3776	328	7	-	-	SYM
fsr-3776	328	8	500	500	NUM
fsr-3776	328	9	.	.	PUNCT
fsr-3776	329	1	american	american	PROPN
fsr-3776	329	2	council	council	PROPN
fsr-3776	329	3	of	of	ADP
fsr-3776	329	4	life	life	NOUN
fsr-3776	329	5	insurance	insurance	NOUN
fsr-3776	329	6	.	.	PUNCT
fsr-3776	330	1	(	(	PUNCT
fsr-3776	330	2	1994	1994	NUM
fsr-3776	330	3	)	)	PUNCT
fsr-3776	330	4	.	.	PUNCT
fsr-3776	331	1	1994	1994	NUM
fsr-3776	331	2	iife	iife	PROPN
fsr-3776	331	3	insurancefact	insurancefact	NOUN
fsr-3776	331	4	book	book	NOUN
fsr-3776	331	5	.	.	PUNCT
fsr-3776	332	1	washington	washington	PROPN
fsr-3776	332	2	,	,	PUNCT
fsr-3776	332	3	dc	dc	PROPN
fsr-3776	332	4	:	:	PUNCT
fsr-3776	332	5	author	author	NOUN
fsr-3776	332	6	.	.	PUNCT
fsr-3776	333	1	beliveau	beliveau	PROPN
fsr-3776	333	2	,	,	PUNCT
fsr-3776	333	3	b.c	b.c	PROPN
fsr-3776	333	4	.	.	PROPN
fsr-3776	333	5	(	(	PUNCT
fsr-3776	333	6	1984	1984	NUM
fsr-3776	333	7	)	)	PUNCT
fsr-3776	333	8	.	.	PUNCT
fsr-3776	334	1	theoretical	theoretical	ADJ
fsr-3776	334	2	and	and	CCONJ
fsr-3776	334	3	empirical	empirical	ADJ
fsr-3776	334	4	aspects	aspect	NOUN
fsr-3776	334	5	of	of	ADP
fsr-3776	334	6	implicit	implicit	ADJ
fsr-3776	334	7	information	information	NOUN
fsr-3776	334	8	in	in	ADP
fsr-3776	334	9	the	the	DET
fsr-3776	334	10	market	market	NOUN
fsr-3776	334	11	for	for	ADP
fsr-3776	334	12	life	life	NOUN
fsr-3776	334	13	insurance	insurance	NOUN
fsr-3776	334	14	.	.	PUNCT
fsr-3776	335	1	journal	journal	NOUN
fsr-3776	335	2	of	of	ADP
fsr-3776	335	3	risk	risk	NOUN
fsr-3776	335	4	and	and	CCONJ
fsr-3776	335	5	insurance	insurance	NOUN
fsr-3776	335	6	,	,	PUNCT
fsr-3776	335	7	51,286	51,286	NUM
fsr-3776	335	8	-	-	SYM
fsr-3776	335	9	307	307	NUM
fsr-3776	335	10	.	.	PUNCT
fsr-3776	336	1	belsley	belsley	PROPN
fsr-3776	336	2	,	,	PUNCT
fsr-3776	336	3	d.a	d.a	PROPN
fsr-3776	336	4	.	.	PROPN
fsr-3776	336	5	,	,	PUNCT
fsr-3776	336	6	kuh	kuh	PROPN
fsr-3776	336	7	,	,	PUNCT
fsr-3776	336	8	e.	e.	PROPN
fsr-3776	336	9	,	,	PUNCT
fsr-3776	336	10	&	&	CCONJ
fsr-3776	336	11	welsch	welsch	PROPN
fsr-3776	336	12	,	,	PUNCT
fsr-3776	336	13	r.e	r.e	PROPN
fsr-3776	336	14	.	.	PROPN
fsr-3776	336	15	(	(	PUNCT
fsr-3776	336	16	1980	1980	NUM
fsr-3776	336	17	)	)	PUNCT
fsr-3776	336	18	.	.	PUNCT
fsr-3776	337	1	regression	regression	NOUN
fsr-3776	337	2	diagnostics	diagnostic	NOUN
fsr-3776	337	3	.	.	PUNCT
fsr-3776	338	1	new	new	PROPN
fsr-3776	338	2	york	york	PROPN
fsr-3776	338	3	:	:	PUNCT
fsr-3776	338	4	john	john	PROPN
fsr-3776	338	5	wiley	wiley	PROPN
fsr-3776	338	6	and	and	CCONJ
fsr-3776	338	7	sons	son	NOUN
fsr-3776	338	8	.	.	PUNCT
fsr-3776	339	1	blease	blease	PROPN
fsr-3776	339	2	,	,	PUNCT
fsr-3776	339	3	r.l	r.l	PROPN
fsr-3776	339	4	.	.	PROPN
fsr-3776	339	5	(	(	PUNCT
fsr-3776	339	6	1995	1995	NUM
fsr-3776	339	7	)	)	PUNCT
fsr-3776	339	8	.	.	PUNCT
fsr-3776	340	1	di	di	PROPN
fsr-3776	340	2	writers	writer	NOUN
fsr-3776	340	3	try	try	AUX
fsr-3776	340	4	toend	toend	VERB
fsr-3776	340	5	the	the	DET
fsr-3776	340	6	bleeding	bleeding	NOUN
fsr-3776	340	7	.	.	PUNCT
fsr-3776	341	1	best’sreview	best’sreview	ADJ
fsr-3776	341	2	(	(	PUNCT
fsr-3776	341	3	life	life	NOUN
fsr-3776	341	4	/	/	SYM
fsr-3776	341	5	health	health	NOUN
fsr-3776	341	6	edition	edition	NOUN
fsr-3776	341	7	)	)	PUNCT
fsr-3776	341	8	,	,	PUNCT
fsr-3776	341	9	(	(	PUNCT
fsr-3776	341	10	february	february	PROPN
fsr-3776	341	11	)	)	PUNCT
fsr-3776	341	12	,	,	PUNCT
fsr-3776	341	13	56	56	NUM
fsr-3776	341	14	-	-	SYM
fsr-3776	341	15	60	60	NUM
fsr-3776	341	16	.	.	PUNCT
fsr-3776	342	1	browne	browne	PROPN
fsr-3776	342	2	,	,	PUNCT
fsr-3776	342	3	m.j	m.j	PROPN
fsr-3776	342	4	.	.	PROPN
fsr-3776	342	5	(	(	PUNCT
fsr-3776	342	6	1992	1992	NUM
fsr-3776	342	7	)	)	PUNCT
fsr-3776	342	8	.	.	PUNCT
fsr-3776	343	1	evidence	evidence	NOUN
fsr-3776	343	2	of	of	ADP
fsr-3776	343	3	adverse	adverse	ADJ
fsr-3776	343	4	selection	selection	NOUN
fsr-3776	343	5	in	in	ADP
fsr-3776	343	6	the	the	DET
fsr-3776	343	7	individual	individual	ADJ
fsr-3776	343	8	health	health	NOUN
fsr-3776	343	9	insurance	insurance	NOUN
fsr-3776	343	10	market	market	NOUN
fsr-3776	343	11	.	.	PUNCT
fsr-3776	344	1	journaz	journaz	PROPN
fsr-3776	344	2	of	of	ADP
fsr-3776	344	3	risk	risk	NOUN
fsr-3776	344	4	and	and	CCONJ
fsr-3776	344	5	insurance	insurance	NOUN
fsr-3776	344	6	,	,	PUNCT
fsr-3776	344	7	59	59	NUM
fsr-3776	344	8	,	,	PUNCT
fsr-3776	344	9	13	13	NUM
fsr-3776	344	10	-	-	SYM
fsr-3776	344	11	33	33	NUM
fsr-3776	344	12	.	.	PUNCT
fsr-3776	345	1	browne	browne	PROPN
fsr-3776	345	2	,	,	PUNCT
fsr-3776	345	3	m.j	m.j	PROPN
fsr-3776	345	4	.	.	PROPN
fsr-3776	345	5	,	,	PUNCT
fsr-3776	345	6	&	&	CCONJ
fsr-3776	345	7	doerpinghaus	doerpinghaus	PROPN
fsr-3776	345	8	.	.	PUNCT
fsr-3776	346	1	hi	hi	INTJ
fsr-3776	346	2	.	.	PUNCT
fsr-3776	347	1	(	(	PUNCT
fsr-3776	347	2	1993	1993	NUM
fsr-3776	347	3	)	)	PUNCT
fsr-3776	347	4	.	.	PUNCT
fsr-3776	348	1	information	information	NOUN
fsr-3776	348	2	asymmetries	asymmetry	NOUN
fsr-3776	348	3	and	and	CCONJ
fsr-3776	348	4	adverse	adverse	ADJ
fsr-3776	348	5	selection	selection	NOUN
fsr-3776	348	6	in	in	ADP
fsr-3776	348	7	the	the	DET
fsr-3776	348	8	market	market	NOUN
fsr-3776	348	9	for	for	ADP
fsr-3776	348	10	individual	individual	ADJ
fsr-3776	348	11	medical	medical	ADJ
fsr-3776	348	12	expense	expense	NOUN
fsr-3776	348	13	insurance	insurance	NOUN
fsr-3776	348	14	.	.	PUNCT
fsr-3776	349	1	journal	journal	PROPN
fsr-3776	349	2	ofrisk	ofrisk	NOUN
fsr-3776	349	3	and	and	CCONJ
fsr-3776	349	4	insurance	insurance	NOUN
fsr-3776	349	5	,	,	PUNCT
fsr-3776	349	6	60,300	60,300	NUM
fsr-3776	349	7	-	-	SYM
fsr-3776	349	8	3	3	NUM
fsr-3776	349	9	12	12	NUM
fsr-3776	349	10	.	.	PUNCT
fsr-3776	350	1	carlton	carlton	PROPN
fsr-3776	350	2	,	,	PUNCT
fsr-3776	350	3	d.w	d.w	PROPN
fsr-3776	350	4	.	.	PROPN
fsr-3776	350	5	(	(	PUNCT
fsr-3776	350	6	1986	1986	NUM
fsr-3776	350	7	)	)	PUNCT
fsr-3776	350	8	.	.	PUNCT
fsr-3776	351	1	the	the	DET
fsr-3776	351	2	rigidity	rigidity	NOUN
fsr-3776	351	3	of	of	ADP
fsr-3776	351	4	prices	price	NOUN
fsr-3776	351	5	.	.	PUNCT
fsr-3776	352	1	american	american	PROPN
fsr-3776	352	2	economic	economic	PROPN
fsr-3776	352	3	review	review	PROPN
fsr-3776	352	4	,	,	PUNCT
fsr-3776	352	5	76,637	76,637	NUM
fsr-3776	352	6	-	-	PUNCT
fsr-3776	352	7	668	668	NUM
fsr-3776	352	8	.	.	PUNCT
fsr-3776	353	1	cox	cox	PROPN
fsr-3776	353	2	,	,	PUNCT
fsr-3776	353	3	l.a	l.a	PROPN
fsr-3776	353	4	.	.	PROPN
fsr-3776	353	5	(	(	PUNCT
fsr-3776	353	6	199	199	NUM
fsr-3776	353	7	1	1	NUM
fsr-3776	353	8	)	)	PUNCT
fsr-3776	353	9	.	.	PUNCT
fsr-3776	354	1	disability	disability	NOUN
fsr-3776	354	2	income	income	NOUN
fsr-3776	354	3	insurance	insurance	NOUN
fsr-3776	354	4	and	and	CCONJ
fsr-3776	354	5	the	the	DET
fsr-3776	354	6	individual	individual	NOUN
fsr-3776	354	7	.	.	PUNCT
fsr-3776	355	1	financialservices	financialservice	NOUN
fsr-3776	355	2	review	review	VERB
fsr-3776	355	3	,	,	PUNCT
fsr-3776	355	4	i	i	PRON
fsr-3776	355	5	,	,	PUNCT
fsr-3776	355	6	6	6	NUM
fsr-3776	355	7	l-78	l-78	NOUN
fsr-3776	355	8	.	.	PUNCT
fsr-3776	356	1	cox	cox	PROPN
fsr-3776	356	2	,	,	PUNCT
fsr-3776	356	3	l.a	l.a	PROPN
fsr-3776	356	4	.	.	PROPN
fsr-3776	356	5	,	,	PUNCT
fsr-3776	356	6	gustavson	gustavson	PROPN
fsr-3776	356	7	,	,	PUNCT
fsr-3776	356	8	s.g	s.g	PROPN
fsr-3776	356	9	.	.	PROPN
fsr-3776	356	10	,	,	PUNCT
fsr-3776	356	11	&	&	CCONJ
fsr-3776	356	12	stam	stam	VERB
fsr-3776	356	13	,	,	PUNCT
fsr-3776	356	14	a.	a.	NOUN
fsr-3776	356	15	(	(	PUNCT
fsr-3776	356	16	199	199	NUM
fsr-3776	356	17	1	1	NUM
fsr-3776	356	18	)	)	PUNCT
fsr-3776	356	19	.	.	PUNCT
fsr-3776	357	1	disability	disability	NOUN
fsr-3776	357	2	and	and	CCONJ
fsr-3776	357	3	life	life	NOUN
fsr-3776	357	4	insurance	insurance	NOUN
fsr-3776	357	5	in	in	ADP
fsr-3776	357	6	the	the	DET
fsr-3776	357	7	individual	individual	ADJ
fsr-3776	357	8	insurance	insurance	NOUN
fsr-3776	357	9	portfolio	portfolio	NOUN
fsr-3776	357	10	.	.	PUNCT
fsr-3776	358	1	journal	journal	PROPN
fsr-3776	358	2	of	of	ADP
fsr-3776	358	3	risk	risk	NOUN
fsr-3776	358	4	and	and	CCONJ
fsr-3776	358	5	insurance	insurance	NOUN
fsr-3776	358	6	,	,	PUNCT
fsr-3776	358	7	58	58	NUM
fsr-3776	358	8	,	,	PUNCT
fsr-3776	358	9	128	128	NUM
fsr-3776	358	10	-	-	PUNCT
fsr-3776	358	11	l	l	NOUN
fsr-3776	358	12	37	37	NUM
fsr-3776	358	13	.	.	PUNCT
fsr-3776	359	1	conning	conning	NOUN
fsr-3776	359	2	&	&	CCONJ
fsr-3776	359	3	company	company	NOUN
fsr-3776	359	4	,	,	PUNCT
fsr-3776	359	5	(	(	PUNCT
fsr-3776	359	6	1993	1993	NUM
fsr-3776	359	7	)	)	PUNCT
fsr-3776	359	8	.	.	PUNCT
fsr-3776	360	1	non	non	ADJ
fsr-3776	360	2	-	-	ADJ
fsr-3776	360	3	cancelable	cancelable	ADJ
fsr-3776	360	4	disability	disability	NOUN
fsr-3776	360	5	insurance	insurance	NOUN
fsr-3776	360	6	:	:	PUNCT
fsr-3776	360	7	decision	decision	NOUN
fsr-3776	360	8	time	time	NOUN
fsr-3776	360	9	.	.	PUNCT
fsr-3776	361	1	hartford	hartford	PROPN
fsr-3776	361	2	,	,	PUNCT
fsr-3776	361	3	ct	ct	PROPN
fsr-3776	361	4	:	:	PUNCT
fsr-3776	361	5	author	author	NOUN
fsr-3776	361	6	.	.	PUNCT
fsr-3776	362	1	cummins	cummins	PROPN
fsr-3776	362	2	,	,	PUNCT
fsr-3776	362	3	j.d	j.d	PROPN
fsr-3776	362	4	.	.	PROPN
fsr-3776	362	5	,	,	PUNCT
fsr-3776	362	6	smith	smith	PROPN
fsr-3776	362	7	,	,	PUNCT
fsr-3776	362	8	b.d	b.d	PROPN
fsr-3776	362	9	.	.	PROPN
fsr-3776	362	10	,	,	PUNCT
fsr-3776	362	11	vance	vance	PROPN
fsr-3776	362	12	,	,	PUNCT
fsr-3776	362	13	n.r	n.r	PROPN
fsr-3776	362	14	.	.	PROPN
fsr-3776	362	15	,	,	PUNCT
fsr-3776	362	16	&	&	CCONJ
fsr-3776	362	17	vanderhei	vanderhei	PROPN
fsr-3776	362	18	,	,	PUNCT
fsr-3776	362	19	j.	j.	PROPN
fsr-3776	362	20	(	(	PUNCT
fsr-3776	362	21	1983	1983	NUM
fsr-3776	362	22	)	)	PUNCT
fsr-3776	362	23	.	.	PUNCT
fsr-3776	363	1	risk	risk	NOUN
fsr-3776	363	2	classification	classification	NOUN
fsr-3776	363	3	in	in	ADP
fsr-3776	363	4	hfe	hfe	PROPN
fsr-3776	363	5	insurance	insurance	PROPN
fsr-3776	363	6	.	.	PUNCT
fsr-3776	364	1	boston	boston	PROPN
fsr-3776	364	2	:	:	PUNCT
fsr-3776	364	3	kluwer	kluwer	NOUN
fsr-3776	364	4	,	,	PUNCT
fsr-3776	364	5	nijhoff	nijhoff	PROPN
fsr-3776	364	6	.	.	PUNCT
fsr-3776	365	1	dahlby	dahlby	PROPN
fsr-3776	365	2	,	,	PUNCT
fsr-3776	365	3	b.c	b.c	PROPN
fsr-3776	365	4	.	.	PROPN
fsr-3776	365	5	(	(	PUNCT
fsr-3776	365	6	1983	1983	NUM
fsr-3776	365	7	)	)	PUNCT
fsr-3776	365	8	.	.	PUNCT
fsr-3776	366	1	adverse	adverse	ADJ
fsr-3776	366	2	selection	selection	NOUN
fsr-3776	366	3	and	and	CCONJ
fsr-3776	366	4	statistical	statistical	ADJ
fsr-3776	366	5	discrimination	discrimination	NOUN
fsr-3776	366	6	:	:	PUNCT
fsr-3776	366	7	an	an	DET
fsr-3776	366	8	analysis	analysis	NOUN
fsr-3776	366	9	of	of	ADP
fsr-3776	366	10	canadian	canadian	ADJ
fsr-3776	366	11	automobile	automobile	NOUN
fsr-3776	366	12	insurance	insurance	NOUN
fsr-3776	366	13	.	.	PUNCT
fsr-3776	367	1	journal	journal	NOUN
fsr-3776	367	2	of	of	ADP
fsr-3776	367	3	pubiic	pubiic	PROPN
fsr-3776	367	4	economics	economic	NOUN
fsr-3776	367	5	,	,	PUNCT
fsr-3776	367	6	20	20	NUM
fsr-3776	367	7	,	,	PUNCT
fsr-3776	367	8	121	121	NUM
fsr-3776	367	9	-	-	SYM
fsr-3776	367	10	i	i	PRON
fsr-3776	367	11	30	30	NUM
fsr-3776	367	12	.	.	PUNCT
fsr-3776	368	1	flue	flue	PROPN
fsr-3776	368	2	&	&	CCONJ
fsr-3776	368	3	c.	c.	PROPN
fsr-3776	368	4	(	(	PUNCT
fsr-3776	368	5	1992	1992	NUM
fsr-3776	368	6	)	)	PUNCT
fsr-3776	368	7	.	.	PUNCT
fsr-3776	369	1	probationary	probationary	ADJ
fsr-3776	369	2	periods	period	NOUN
fsr-3776	369	3	and	and	CCONJ
fsr-3776	369	4	time	time	NOUN
fsr-3776	369	5	-	-	PUNCT
fsr-3776	369	6	dependent	dependent	ADJ
fsr-3776	369	7	deductibles	deductible	NOUN
fsr-3776	369	8	in	in	ADP
fsr-3776	369	9	insurance	insurance	NOUN
fsr-3776	369	10	markets	market	NOUN
fsr-3776	369	11	with	with	ADP
fsr-3776	369	12	adverse	adverse	ADJ
fsr-3776	369	13	selection	selection	NOUN
fsr-3776	369	14	.	.	PUNCT
fsr-3776	370	1	in	in	ADP
fsr-3776	370	2	g.	g.	PROPN
fsr-3776	370	3	dionne	dionne	PROPN
fsr-3776	370	4	(	(	PUNCT
fsr-3776	370	5	ed	ed	NOUN
fsr-3776	370	6	.	.	PUNCT
fsr-3776	370	7	)	)	PUNCT
fsr-3776	370	8	,	,	PUNCT
fsr-3776	370	9	contributions	contribution	NOUN
fsr-3776	370	10	to	to	ADP
fsr-3776	370	11	insurance	insurance	NOUN
fsr-3776	370	12	economics	economic	NOUN
fsr-3776	370	13	(	(	PUNCT
fsr-3776	370	14	pp	pp	ADJ
fsr-3776	370	15	.	.	PUNCT
fsr-3776	371	1	359	359	NUM
fsr-3776	371	2	-	-	SYM
fsr-3776	371	3	375	375	NUM
fsr-3776	371	4	)	)	PUNCT
fsr-3776	371	5	.	.	PUNCT
fsr-3776	372	1	norwell	norwell	PROPN
fsr-3776	372	2	,	,	PUNCT
fsr-3776	372	3	ma	ma	PROPN
fsr-3776	372	4	:	:	PUNCT
fsr-3776	372	5	kluwer	kluwer	NOUN
fsr-3776	372	6	.	.	PUNCT
fsr-3776	373	1	greene	greene	PROPN
fsr-3776	373	2	,	,	PUNCT
fsr-3776	373	3	w.h	w.h	PROPN
fsr-3776	373	4	.	.	PROPN
fsr-3776	373	5	(	(	PUNCT
fsr-3776	373	6	1990	1990	NUM
fsr-3776	373	7	)	)	PUNCT
fsr-3776	373	8	.	.	PUNCT
fsr-3776	374	1	econometric	econometric	ADJ
fsr-3776	374	2	analysis	analysis	NOUN
fsr-3776	374	3	.	.	PUNCT
fsr-3776	375	1	new	new	PROPN
fsr-3776	375	2	york	york	PROPN
fsr-3776	375	3	macmillan	macmillan	PROPN
fsr-3776	375	4	.	.	PUNCT
fsr-3776	376	1	higgins	higgins	PROPN
fsr-3776	376	2	,	,	PUNCT
fsr-3776	376	3	r.s	r.s	PROPN
fsr-3776	376	4	.	.	PROPN
fsr-3776	376	5	,	,	PUNCT
fsr-3776	376	6	shughart	shughart	NOUN
fsr-3776	376	7	,	,	PUNCT
fsr-3776	376	8	w.f	w.f	PROPN
fsr-3776	376	9	.	.	PROPN
fsr-3776	376	10	,	,	PUNCT
fsr-3776	376	11	ii	ii	PROPN
fsr-3776	376	12	,	,	PUNCT
fsr-3776	376	13	&	&	CCONJ
fsr-3776	376	14	tolfison	tolfison	PROPN
fsr-3776	376	15	,	,	PUNCT
fsr-3776	376	16	r.d	r.d	PROPN
fsr-3776	376	17	.	.	PROPN
fsr-3776	376	18	(	(	PUNCT
fsr-3776	376	19	1989	1989	NUM
fsr-3776	376	20	)	)	PUNCT
fsr-3776	376	21	.	.	PUNCT
fsr-3776	377	1	price	price	NOUN
fsr-3776	377	2	leadership	leadership	NOUN
fsr-3776	377	3	with	with	ADP
fsr-3776	377	4	incomplete	incomplete	ADJ
fsr-3776	377	5	informa	informa	PROPN
fsr-3776	377	6	tion	tion	NOUN
fsr-3776	377	7	.	.	PUNCT
fsr-3776	378	1	journal	journal	NOUN
fsr-3776	378	2	of	of	ADP
fsr-3776	378	3	~	~	PUNCT
fsr-3776	378	4	onom~	onom~	ADP
fsr-3776	378	5	behavior	behavior	NOUN
fsr-3776	378	6	and	and	CCONJ
fsr-3776	378	7	organization	organization	NOUN
fsr-3776	378	8	,	,	PUNCT
fsr-3776	378	9	ii	ii	PROPN
fsr-3776	378	10	,	,	PUNCT
fsr-3776	378	11	423	423	NUM
fsr-3776	378	12	-	-	SYM
fsr-3776	378	13	429	429	NUM
fsr-3776	378	14	.	.	PUNCT
fsr-3776	379	1	jones	jones	PROPN
fsr-3776	379	2	,	,	PUNCT
fsr-3776	379	3	l.e	l.e	PROPN
fsr-3776	379	4	.	.	PROPN
fsr-3776	379	5	(	(	PUNCT
fsr-3776	379	6	1988	1988	NUM
fsr-3776	379	7	)	)	PUNCT
fsr-3776	379	8	.	.	PUNCT
fsr-3776	380	1	the	the	DET
fsr-3776	380	2	characteristics	characteristics	PROPN
fsr-3776	380	3	model	model	NOUN
fsr-3776	380	4	,	,	PUNCT
fsr-3776	380	5	hedonic	hedonic	ADJ
fsr-3776	380	6	prices	price	NOUN
fsr-3776	380	7	,	,	PUNCT
fsr-3776	380	8	and	and	CCONJ
fsr-3776	380	9	the	the	DET
fsr-3776	380	10	clientele	clientele	PROPN
fsr-3776	380	11	effect	effect	NOUN
fsr-3776	380	12	.	.	PUNCT
fsr-3776	381	1	journal	journal	NOUN
fsr-3776	381	2	of	of	ADP
fsr-3776	381	3	political	political	ADJ
fsr-3776	381	4	economy	economy	NOUN
fsr-3776	381	5	,	,	PUNCT
fsr-3776	381	6	96	96	NUM
fsr-3776	381	7	,	,	PUNCT
fsr-3776	381	8	55	55	NUM
fsr-3776	381	9	1	1	NUM
fsr-3776	381	10	-	-	SYM
fsr-3776	381	11	567	567	NUM
fsr-3776	381	12	.	.	PUNCT
fsr-3776	382	1	lancaster	lancaster	PROPN
fsr-3776	382	2	,	,	PUNCT
fsr-3776	382	3	k.	k.	PROPN
fsr-3776	382	4	(	(	PUNCT
fsr-3776	382	5	1971	1971	NUM
fsr-3776	382	6	)	)	PUNCT
fsr-3776	382	7	.	.	PUNCT
fsr-3776	383	1	consumer	consumer	NOUN
fsr-3776	383	2	demand	demand	NOUN
fsr-3776	383	3	:	:	PUNCT
fsr-3776	383	4	a	a	DET
fsr-3776	383	5	new	new	ADJ
fsr-3776	383	6	approach	approach	NOUN
fsr-3776	383	7	.	.	PUNCT
fsr-3776	384	1	new	new	PROPN
fsr-3776	384	2	york	york	PROPN
fsr-3776	384	3	:	:	PUNCT
fsr-3776	384	4	columbia	columbia	PROPN
fsr-3776	384	5	university	university	PROPN
fsr-3776	384	6	press	press	NOUN
fsr-3776	384	7	,	,	PUNCT
fsr-3776	384	8	life	life	NOUN
fsr-3776	384	9	insurance	insurance	NOUN
fsr-3776	384	10	marketing	marketing	NOUN
fsr-3776	384	11	and	and	CCONJ
fsr-3776	384	12	research	research	NOUN
fsr-3776	384	13	association	association	NOUN
fsr-3776	384	14	(	(	PUNCT
fsr-3776	384	15	limra	limra	NOUN
fsr-3776	384	16	)	)	PUNCT
fsr-3776	384	17	international	international	NOUN
fsr-3776	384	18	.	.	PUNCT
fsr-3776	385	1	(	(	PUNCT
fsr-3776	385	2	1989	1989	NUM
fsr-3776	385	3	)	)	PUNCT
fsr-3776	385	4	.	.	PUNCT
fsr-3776	386	1	1988	1988	NUM
fsr-3776	386	2	individual	individual	ADJ
fsr-3776	386	3	health	health	NOUN
fsr-3776	386	4	issues	issue	NOUN
fsr-3776	386	5	and	and	CCONJ
fsr-3776	386	6	in	in	ADP
fsr-3776	386	7	force	force	NOUN
fsr-3776	386	8	survey	survey	NOUN
fsr-3776	386	9	.	.	PUNCT
fsr-3776	387	1	hartford	hartford	PROPN
fsr-3776	387	2	,	,	PUNCT
fsr-3776	387	3	ct	ct	PROPN
fsr-3776	387	4	:	:	PUNCT
fsr-3776	387	5	author	author	NOUN
fsr-3776	387	6	.	.	PUNCT
fsr-3776	388	1	mayers	mayers	PROPN
fsr-3776	388	2	,	,	PUNCT
fsr-3776	388	3	d.	d.	PROPN
fsr-3776	388	4	,	,	PUNCT
fsr-3776	388	5	br	br	PROPN
fsr-3776	388	6	smith	smith	PROPN
fsr-3776	388	7	,	,	PUNCT
fsr-3776	388	8	c.w	c.w	PROPN
fsr-3776	388	9	.	.	PROPN
fsr-3776	388	10	,	,	PUNCT
fsr-3776	388	11	jr	jr	PROPN
fsr-3776	388	12	.	.	PROPN
fsr-3776	388	13	(	(	PUNCT
fsr-3776	388	14	1981	1981	NUM
fsr-3776	388	15	)	)	PUNCT
fsr-3776	388	16	.	.	PUNCT
fsr-3776	389	1	contractual	contractual	ADJ
fsr-3776	389	2	provisions	provision	NOUN
fsr-3776	389	3	,	,	PUNCT
fsr-3776	389	4	organizational	organizational	ADJ
fsr-3776	389	5	structure	structure	NOUN
fsr-3776	389	6	and	and	CCONJ
fsr-3776	389	7	conflict	conflict	NOUN
fsr-3776	389	8	control	control	NOUN
fsr-3776	389	9	in	in	ADP
fsr-3776	389	10	insurance	insurance	NOUN
fsr-3776	389	11	markets	market	NOUN
fsr-3776	389	12	.	.	PUNCT
fsr-3776	390	1	journal	journal	PROPN
fsr-3776	390	2	ofbusiness	ofbusiness	PROPN
fsr-3776	390	3	,	,	PUNCT
fsr-3776	390	4	54,407	54,407	NUM
fsr-3776	390	5	-	-	SYM
fsr-3776	390	6	434	434	NUM
fsr-3776	390	7	.	.	PUNCT
fsr-3776	391	1	miyazaki	miyazaki	PROPN
fsr-3776	391	2	,	,	PUNCT
fsr-3776	391	3	h.	h.	PROPN
fsr-3776	391	4	(	(	PUNCT
fsr-3776	391	5	1977	1977	NUM
fsr-3776	391	6	)	)	PUNCT
fsr-3776	391	7	.	.	PUNCT
fsr-3776	392	1	the	the	DET
fsr-3776	392	2	rat	rat	NOUN
fsr-3776	392	3	race	race	NOUN
fsr-3776	392	4	and	and	CCONJ
fsr-3776	392	5	internal	internal	ADJ
fsr-3776	392	6	labor	labor	NOUN
fsr-3776	392	7	markets	market	NOUN
fsr-3776	392	8	.	.	PUNCT
fsr-3776	393	1	the	the	DET
fsr-3776	393	2	bell	bell	PROPN
fsr-3776	393	3	journal	journal	PROPN
fsr-3776	393	4	of	of	ADP
fsr-3776	393	5	economics	economic	NOUN
fsr-3776	393	6	,	,	PUNCT
fsr-3776	393	7	8	8	NUM
fsr-3776	393	8	,	,	PUNCT
fsr-3776	393	9	394	394	NUM
fsr-3776	393	10	-	-	SYM
fsr-3776	393	11	418	418	NUM
fsr-3776	393	12	.	.	PUNCT
fsr-3776	394	1	122	122	NUM
fsr-3776	394	2	financial	financial	ADJ
fsr-3776	394	3	services	service	NOUN
fsr-3776	394	4	review	review	NOUN
fsr-3776	394	5	4(2	4(2	NUM
fsr-3776	394	6	)	)	PUNCT
fsr-3776	394	7	1995	1995	NUM
fsr-3776	394	8	myers	myers	PROPN
fsr-3776	394	9	,	,	PUNCT
fsr-3776	394	10	p.s	p.s	PROPN
fsr-3776	394	11	.	.	PROPN
fsr-3776	394	12	,	,	PUNCT
fsr-3776	394	13	&	&	CCONJ
fsr-3776	394	14	pritchett	pritchett	PROPN
fsr-3776	394	15	,	,	PUNCT
fsr-3776	394	16	st	st	PROPN
fsr-3776	394	17	.	.	PROPN
fsr-3776	394	18	(	(	PUNCT
fsr-3776	394	19	1983	1983	NUM
fsr-3776	394	20	)	)	PUNCT
fsr-3776	394	21	.	.	PUNCT
fsr-3776	395	1	rate	rate	NOUN
fsr-3776	395	2	of	of	ADP
fsr-3776	395	3	return	return	NOUN
fsr-3776	395	4	on	on	ADP
fsr-3776	395	5	differential	differential	ADJ
fsr-3776	395	6	premiums	premium	NOUN
fsr-3776	395	7	for	for	ADP
fsr-3776	395	8	selected	select	VERB
fsr-3776	395	9	participating	participate	VERB
fsr-3776	395	10	life	life	NOUN
fsr-3776	395	11	insurance	insurance	NOUN
fsr-3776	395	12	contracts	contract	NOUN
fsr-3776	395	13	.	.	PUNCT
fsr-3776	396	1	journal	journal	PROPN
fsr-3776	396	2	ofrisk	ofrisk	NOUN
fsr-3776	396	3	and	and	CCONJ
fsr-3776	396	4	insurance	insurance	NOUN
fsr-3776	396	5	,	,	PUNCT
fsr-3776	396	6	50,569	50,569	NUM
fsr-3776	396	7	-	-	SYM
fsr-3776	396	8	586	586	NUM
fsr-3776	396	9	.	.	PUNCT
fsr-3776	397	1	national	national	PROPN
fsr-3776	397	2	association	association	PROPN
fsr-3776	397	3	of	of	ADP
fsr-3776	397	4	insurance	insurance	NOUN
fsr-3776	397	5	commissioners	commissioner	NOUN
fsr-3776	397	6	.	.	PUNCT
fsr-3776	398	1	(	(	PUNCT
fsr-3776	398	2	1989	1989	NUM
fsr-3776	398	3	)	)	PUNCT
fsr-3776	398	4	.	.	PUNCT
fsr-3776	399	1	insurance	insurance	NOUN
fsr-3776	399	2	regulurory	regulurory	ADJ
fsr-3776	399	3	information	information	NOUN
fsr-3776	399	4	system	system	NOUN
fsr-3776	399	5	ratio	ratio	NOUN
fsr-3776	399	6	results	result	VERB
fsr-3776	399	7	1988	1988	NUM
fsr-3776	399	8	.	.	PUNCT
fsr-3776	400	1	kansas	kansas	PROPN
fsr-3776	400	2	city	city	PROPN
fsr-3776	400	3	,	,	PUNCT
fsr-3776	400	4	mo	mo	NOUN
fsr-3776	400	5	:	:	PUNCT
fsr-3776	400	6	author	author	NOUN
fsr-3776	400	7	.	.	PUNCT
fsr-3776	401	1	pritchett	pritchett	PROPN
fsr-3776	401	2	,	,	PUNCT
fsr-3776	401	3	s.t	s.t	PROPN
fsr-3776	401	4	.	.	PROPN
fsr-3776	401	5	,	,	PUNCT
fsr-3776	401	6	&	&	CCONJ
fsr-3776	401	7	wilder	wilder	PROPN
fsr-3776	401	8	,	,	PUNCT
fsr-3776	401	9	r.p	r.p	PROPN
fsr-3776	401	10	.	.	PROPN
fsr-3776	401	11	(	(	PUNCT
fsr-3776	401	12	1986	1986	NUM
fsr-3776	401	13	)	)	PUNCT
fsr-3776	401	14	.	.	PUNCT
fsr-3776	402	1	stock	stock	PROPN
fsr-3776	402	2	life	life	PROPN
fsr-3776	402	3	insurance	insurance	NOUN
fsr-3776	402	4	company	company	NOUN
fsr-3776	402	5	profitability	profitability	NOUN
fsr-3776	402	6	and	and	CCONJ
fsr-3776	402	7	workable	workable	ADJ
fsr-3776	402	8	competition	competition	NOUN
fsr-3776	402	9	,	,	PUNCT
fsr-3776	402	10	philadelphia	philadelphia	PROPN
fsr-3776	402	11	:	:	PUNCT
fsr-3776	402	12	s.s	s.s	PROPN
fsr-3776	402	13	.	.	PROPN
fsr-3776	402	14	huebner	huebner	PROPN
fsr-3776	402	15	foundation	foundation	PROPN
fsr-3776	402	16	of	of	ADP
fsr-3776	402	17	insurance	insurance	NOUN
fsr-3776	402	18	education	education	NOUN
fsr-3776	402	19	,	,	PUNCT
fsr-3776	402	20	university	university	NOUN
fsr-3776	402	21	of	of	ADP
fsr-3776	402	22	pennsylvania	pennsylvania	PROPN
fsr-3776	402	23	.	.	PUNCT
fsr-3776	403	1	puelz	puelz	PROPN
fsr-3776	403	2	,	,	PUNCT
fsr-3776	403	3	r.	r.	PROPN
fsr-3776	403	4	,	,	PUNCT
fsr-3776	403	5	&	&	CCONJ
fsr-3776	403	6	snow	snow	PROPN
fsr-3776	403	7	,	,	PUNCT
fsr-3776	403	8	a.	a.	NOUN
fsr-3776	403	9	(	(	PUNCT
fsr-3776	403	10	1994	1994	NUM
fsr-3776	403	11	)	)	PUNCT
fsr-3776	403	12	.	.	PUNCT
fsr-3776	404	1	evidence	evidence	NOUN
fsr-3776	404	2	on	on	ADP
fsr-3776	404	3	adverse	adverse	ADJ
fsr-3776	404	4	selection	selection	NOUN
fsr-3776	404	5	:	:	PUNCT
fsr-3776	404	6	equilibrium	equilibrium	NOUN
fsr-3776	404	7	signaling	signal	VERB
fsr-3776	404	8	and	and	CCONJ
fsr-3776	404	9	cross	cross	ADJ
fsr-3776	404	10	-	-	ADJ
fsr-3776	404	11	sub	sub	ADJ
fsr-3776	404	12	sidization	sidization	NOUN
fsr-3776	404	13	in	in	ADP
fsr-3776	404	14	the	the	DET
fsr-3776	404	15	insurance	insurance	NOUN
fsr-3776	404	16	market	market	NOUN
fsr-3776	404	17	.	.	PUNCT
fsr-3776	405	1	journal	journal	NOUN
fsr-3776	405	2	of	of	ADP
fsr-3776	405	3	political	political	ADJ
fsr-3776	405	4	economy	economy	NOUN
fsr-3776	405	5	,	,	PUNCT
fsr-3776	405	6	102,236	102,236	NUM
fsr-3776	405	7	-	-	SYM
fsr-3776	405	8	257	257	NUM
fsr-3776	405	9	.	.	PUNCT
fsr-3776	406	1	rothschild	rothschild	NOUN
fsr-3776	406	2	,	,	PUNCT
fsr-3776	406	3	m.	m.	NOUN
fsr-3776	406	4	,	,	PUNCT
fsr-3776	406	5	&	&	CCONJ
fsr-3776	406	6	stiglitz	stiglitz	PROPN
fsr-3776	406	7	,	,	PUNCT
fsr-3776	406	8	j.	j.	PROPN
fsr-3776	406	9	(	(	PUNCT
fsr-3776	406	10	1976	1976	NUM
fsr-3776	406	11	)	)	PUNCT
fsr-3776	406	12	.	.	PUNCT
fsr-3776	407	1	equilibrium	equilibrium	NOUN
fsr-3776	407	2	in	in	ADP
fsr-3776	407	3	competitive	competitive	ADJ
fsr-3776	407	4	insurance	insurance	NOUN
fsr-3776	407	5	markets	market	NOUN
fsr-3776	407	6	:	:	PUNCT
fsr-3776	407	7	an	an	DET
fsr-3776	407	8	essay	essay	NOUN
fsr-3776	407	9	on	on	ADP
fsr-3776	407	10	the	the	DET
fsr-3776	407	11	economics	economic	NOUN
fsr-3776	407	12	of	of	ADP
fsr-3776	407	13	imperfect	imperfect	ADJ
fsr-3776	407	14	information	information	NOUN
fsr-3776	407	15	.	.	PUNCT
fsr-3776	408	1	quarrerly	quarrerly	ADV
fsr-3776	408	2	journal	journal	PROPN
fsr-3776	408	3	of	of	ADP
fsr-3776	408	4	economics	economic	NOUN
fsr-3776	408	5	,	,	PUNCT
fsr-3776	408	6	90,629	90,629	NUM
fsr-3776	408	7	-	-	SYM
fsr-3776	408	8	649	649	NUM
fsr-3776	408	9	.	.	PUNCT
fsr-3776	409	1	smith	smith	PROPN
fsr-3776	409	2	,	,	PUNCT
fsr-3776	409	3	c.w	c.w	PROPN
fsr-3776	409	4	.	.	PROPN
fsr-3776	409	5	,	,	PUNCT
fsr-3776	409	6	jr	jr	PROPN
fsr-3776	409	7	.	.	PROPN
fsr-3776	409	8	(	(	PUNCT
fsr-3776	409	9	1986	1986	NUM
fsr-3776	409	10	)	)	PUNCT
fsr-3776	409	11	.	.	PUNCT
fsr-3776	410	1	on	on	ADP
fsr-3776	410	2	the	the	DET
fsr-3776	410	3	convergence	convergence	NOUN
fsr-3776	410	4	of	of	ADP
fsr-3776	410	5	insurance	insurance	NOUN
fsr-3776	410	6	and	and	CCONJ
fsr-3776	410	7	finance	finance	NOUN
fsr-3776	410	8	research	research	NOUN
fsr-3776	410	9	.	.	PUNCT
fsr-3776	411	1	journal	journal	NOUN
fsr-3776	411	2	of	of	ADP
fsr-3776	411	3	risk	risk	NOUN
fsr-3776	411	4	and	and	CCONJ
fsr-3776	411	5	insurance	insurance	NOUN
fsr-3776	411	6	,	,	PUNCT
fsr-3776	411	7	53.693	53.693	NUM
fsr-3776	411	8	-	-	SYM
fsr-3776	411	9	7	7	NUM
fsr-3776	411	10	17	17	NUM
fsr-3776	411	11	.	.	PUNCT
fsr-3776	412	1	walden	walden	PROPN
fsr-3776	412	2	,	,	PUNCT
fsr-3776	412	3	m.l	m.l	PROPN
fsr-3776	412	4	.	.	PUNCT
fsr-3776	412	5	(	(	PUNCT
fsr-3776	412	6	1985	1985	NUM
fsr-3776	412	7	)	)	PUNCT
fsr-3776	412	8	.	.	PUNCT
fsr-3776	413	1	the	the	DET
fsr-3776	413	2	whole	whole	ADJ
fsr-3776	413	3	life	life	NOUN
fsr-3776	413	4	insurance	insurance	NOUN
fsr-3776	413	5	policy	policy	NOUN
fsr-3776	413	6	as	as	ADP
fsr-3776	413	7	an	an	DET
fsr-3776	413	8	options	option	NOUN
fsr-3776	413	9	package	package	NOUN
fsr-3776	413	10	:	:	PUNCT
fsr-3776	413	11	an	an	DET
fsr-3776	413	12	empirical	empirical	ADJ
fsr-3776	413	13	investiga	investiga	ADJ
fsr-3776	413	14	tion	tion	NOUN
fsr-3776	413	15	.	.	PUNCT
fsr-3776	414	1	journal	journal	NOUN
fsr-3776	414	2	of	of	ADP
fsr-3776	414	3	risk	risk	NOUN
fsr-3776	414	4	and	and	CCONJ
fsr-3776	414	5	insurance	insurance	NOUN
fsr-3776	414	6	,	,	PUNCT
fsr-3776	414	7	52,4&58	52,4&58	NUM
fsr-3776	414	8	.	.	PUNCT
fsr-3776	415	1	wilson	wilson	PROPN
fsr-3776	415	2	,	,	PUNCT
fsr-3776	415	3	c.	c.	PROPN
fsr-3776	415	4	(	(	PUNCT
fsr-3776	415	5	1977	1977	NUM
fsr-3776	415	6	)	)	PUNCT
fsr-3776	415	7	.	.	PUNCT
fsr-3776	416	1	a	a	DET
fsr-3776	416	2	model	model	NOUN
fsr-3776	416	3	of	of	ADP
fsr-3776	416	4	insurance	insurance	NOUN
fsr-3776	416	5	markets	market	NOUN
fsr-3776	416	6	with	with	ADP
fsr-3776	416	7	incomplete	incomplete	ADJ
fsr-3776	416	8	information	information	NOUN
fsr-3776	416	9	.	.	PUNCT
fsr-3776	417	1	journal	journal	NOUN
fsr-3776	417	2	of	of	ADP
fsr-3776	417	3	economic	economic	ADJ
fsr-3776	417	4	theory	theory	NOUN
fsr-3776	417	5	,	,	PUNCT
fsr-3776	417	6	16	16	NUM
fsr-3776	417	7	,	,	PUNCT
fsr-3776	417	8	167	167	NUM
fsr-3776	417	9	-	-	SYM
fsr-3776	417	10	207	207	NUM
fsr-3776	417	11	.	.	PUNCT