id	sid	tid	token	lemma	pos
fsr-3777	1	1	pii	pii	PROPN
fsr-3777	1	2	:	:	PUNCT
fsr-3777	1	3	1057	1057	NUM
fsr-3777	1	4	-	-	PUNCT
fsr-3777	1	5	0810(95)90007	0810(95)90007	NUM
fsr-3777	1	6	-	-	PUNCT
fsr-3777	1	7	1	1	NUM
fsr-3777	1	8	financial	financial	ADJ
fsr-3777	1	9	services	service	NOUN
fsr-3777	1	10	review	review	NOUN
fsr-3777	1	11	,	,	PUNCT
fsr-3777	1	12	4(2	4(2	NUM
fsr-3777	1	13	):	):	PUNCT
fsr-3777	1	14	123	123	NUM
fsr-3777	1	15	-	-	SYM
fsr-3777	1	16	136	136	NUM
fsr-3777	1	17	copyright	copyright	NOUN
fsr-3777	1	18	q	q	X
fsr-3777	1	19	1995	1995	NUM
fsr-3777	1	20	by	by	ADP
fsr-3777	1	21	jai	jai	PROPN
fsr-3777	1	22	press	press	PROPN
fsr-3777	1	23	inc	inc	PROPN
fsr-3777	1	24	.	.	PROPN
fsr-3777	1	25	issn	issn	PROPN
fsr-3777	1	26	:	:	PUNCT
fsr-3777	1	27	1057	1057	NUM
fsr-3777	1	28	-	-	SYM
fsr-3777	1	29	0810	0810	NUM
fsr-3777	1	30	all	all	DET
fsr-3777	1	31	rights	right	NOUN
fsr-3777	1	32	of	of	ADP
fsr-3777	1	33	reproduction	reproduction	NOUN
fsr-3777	1	34	in	in	ADP
fsr-3777	1	35	any	any	DET
fsr-3777	1	36	form	form	NOUN
fsr-3777	1	37	reserved	reserve	VERB
fsr-3777	1	38	.	.	PUNCT
fsr-3777	2	1	credit	credit	NOUN
fsr-3777	2	2	cards	card	NOUN
fsr-3777	2	3	and	and	CCONJ
fsr-3777	2	4	the	the	DET
fsr-3777	2	5	option	option	NOUN
fsr-3777	2	6	to	to	PART
fsr-3777	2	7	default	default	VERB
fsr-3777	2	8	a.	a.	NOUN
fsr-3777	2	9	charlene	charlene	PROPN
fsr-3777	2	10	sullivan	sullivan	PROPN
fsr-3777	2	11	debra	debra	PROPN
fsr-3777	2	12	drecnik	drecnik	AUX
fsr-3777	2	13	worden	worden	VERB
fsr-3777	2	14	the	the	DET
fsr-3777	2	15	value	value	NOUN
fsr-3777	2	16	of	of	ADP
fsr-3777	2	17	the	the	DET
fsr-3777	2	18	option	option	NOUN
fsr-3777	2	19	to	to	PART
fsr-3777	2	20	default	default	VERB
fsr-3777	2	21	on	on	ADP
fsr-3777	2	22	unsecured	unsecured	ADJ
fsr-3777	2	23	credit	credit	NOUN
fsr-3777	2	24	contracts	contract	NOUN
fsr-3777	2	25	is	be	AUX
fsr-3777	2	26	estimated	estimate	VERB
fsr-3777	2	27	and	and	CCONJ
fsr-3777	2	28	found	find	VERB
fsr-3777	2	29	to	to	PART
fsr-3777	2	30	be	be	AUX
fsr-3777	2	31	signij?cantly	signij?cantly	ADV
fsr-3777	2	32	impacted	impact	VERB
fsr-3777	2	33	by	by	ADP
fsr-3777	2	34	state	state	NOUN
fsr-3777	2	35	and	and	CCONJ
fsr-3777	2	36	federal	federal	ADJ
fsr-3777	2	37	laws	law	NOUN
fsr-3777	2	38	governing	govern	VERB
fsr-3777	2	39	creditors	creditor	NOUN
fsr-3777	2	40	’	'	PUNCT
fsr-3777	2	41	collection	collection	NOUN
fsr-3777	2	42	practices	practice	NOUN
fsr-3777	2	43	and	and	CCONJ
fsr-3777	2	44	bankruptcy	bankruptcy	NOUN
fsr-3777	2	45	.	.	PUNCT
fsr-3777	3	1	the	the	DET
fsr-3777	3	2	data	datum	NOUN
fsr-3777	3	3	suggest	suggest	VERB
fsr-3777	3	4	that	that	SCONJ
fsr-3777	3	5	the	the	DET
fsr-3777	3	6	expected	expect	VERB
fsr-3777	3	7	value	value	NOUN
fsr-3777	3	8	of	of	ADP
fsr-3777	3	9	the	the	DET
fsr-3777	3	10	option	option	NOUN
fsr-3777	3	11	to	to	PART
fsr-3777	3	12	default	default	VERB
fsr-3777	3	13	influences	influence	NOUN
fsr-3777	3	14	debtors	debtor	NOUN
fsr-3777	3	15	’	'	PUNCT
fsr-3777	3	16	choices	choice	NOUN
fsr-3777	3	17	in	in	ADP
fsr-3777	3	18	default	default	NOUN
fsr-3777	3	19	and	and	CCONJ
fsr-3777	3	20	is	be	AUX
fsr-3777	3	21	correlated	correlate	VERB
fsr-3777	3	22	with	with	ADP
fsr-3777	3	23	their	their	PRON
fsr-3777	3	24	use	use	NOUN
fsr-3777	3	25	of	of	ADP
fsr-3777	3	26	their	their	PRON
fsr-3777	3	27	credit	credit	NOUN
fsr-3777	3	28	cards	card	NOUN
fsr-3777	3	29	before	before	ADP
fsr-3777	3	30	default	default	NOUN
fsr-3777	3	31	.	.	PUNCT
fsr-3777	4	1	cardholders	cardholder	NOUN
fsr-3777	4	2	who	who	PRON
fsr-3777	4	3	use	use	VERB
fsr-3777	4	4	their	their	PRON
fsr-3777	4	5	lines	line	NOUN
fsr-3777	4	6	of	of	ADP
fsr-3777	4	7	credit	credit	NOUN
fsr-3777	4	8	very	very	ADV
fsr-3777	4	9	intensely	intensely	ADV
fsr-3777	4	10	before	before	ADP
fsr-3777	4	11	default	default	NOUN
fsr-3777	4	12	are	be	AUX
fsr-3777	4	13	signtjiiantly	signtjiiantly	ADV
fsr-3777	4	14	more	more	ADV
fsr-3777	4	15	likely	likely	ADJ
fsr-3777	4	16	to	to	PART
fsr-3777	4	17	make	make	VERB
fsr-3777	4	18	choices	choice	NOUN
fsr-3777	4	19	in	in	ADP
fsr-3777	4	20	default	default	NOUN
fsr-3777	4	21	which	which	PRON
fsr-3777	4	22	allow	allow	VERB
fsr-3777	4	23	them	they	PRON
fsr-3777	4	24	to	to	PART
fsr-3777	4	25	realize	realize	VERB
fsr-3777	4	26	a	a	DET
fsr-3777	4	27	greater	great	ADJ
fsr-3777	4	28	benefit	benefit	NOUN
fsr-3777	4	29	from	from	ADP
fsr-3777	4	30	default	default	NOUN
fsr-3777	4	31	.	.	PUNCT
fsr-3777	5	1	furthermore	furthermore	ADV
fsr-3777	5	2	,	,	PUNCT
fsr-3777	5	3	these	these	DET
fsr-3777	5	4	results	result	NOUN
fsr-3777	5	5	offer	offer	VERB
fsr-3777	5	6	a	a	DET
fsr-3777	5	7	possible	possible	ADJ
fsr-3777	5	8	explanation	explanation	NOUN
fsr-3777	5	9	for	for	ADP
fsr-3777	5	10	consumers	consumer	NOUN
fsr-3777	5	11	’	'	PUNCT
fsr-3777	5	12	seeming	seem	VERB
fsr-3777	5	13	insensitivity	insensitivity	NOUN
fsr-3777	5	14	to	to	ADP
fsr-3777	5	15	interest	interest	NOUN
fsr-3777	5	16	rates	rate	NOUN
fsr-3777	5	17	charged	charge	VERB
fsr-3777	5	18	on	on	ADP
fsr-3777	5	19	revolving	revolve	VERB
fsr-3777	5	20	lines	line	NOUN
fsr-3777	5	21	of	of	ADP
fsr-3777	5	22	credit	credit	NOUN
fsr-3777	5	23	.	.	PUNCT
fsr-3777	6	1	i.	i.	NOUN
fsr-3777	6	2	introduction	introduction	NOUN
fsr-3777	6	3	in	in	ADP
fsr-3777	6	4	the	the	DET
fsr-3777	6	5	household	household	NOUN
fsr-3777	6	6	credit	credit	NOUN
fsr-3777	6	7	arena	arena	NOUN
fsr-3777	6	8	,	,	PUNCT
fsr-3777	6	9	two	two	NUM
fsr-3777	6	10	recent	recent	ADJ
fsr-3777	6	11	phenomena	phenomena	NOUN
fsr-3777	6	12	reflecting	reflect	VERB
fsr-3777	6	13	changes	change	NOUN
fsr-3777	6	14	in	in	ADP
fsr-3777	6	15	debtor	debtor	NOUN
fsr-3777	6	16	behavior	behavior	NOUN
fsr-3777	6	17	attracted	attract	VERB
fsr-3777	6	18	policy	policy	NOUN
fsr-3777	6	19	-	-	PUNCT
fsr-3777	6	20	level	level	NOUN
fsr-3777	6	21	attention	attention	NOUN
fsr-3777	6	22	.	.	PUNCT
fsr-3777	7	1	the	the	DET
fsr-3777	7	2	first	first	ADJ
fsr-3777	7	3	is	be	AUX
fsr-3777	7	4	the	the	DET
fsr-3777	7	5	dramatic	dramatic	ADJ
fsr-3777	7	6	growth	growth	NOUN
fsr-3777	7	7	in	in	ADP
fsr-3777	7	8	unsecured	unsecured	ADJ
fsr-3777	7	9	credit	credit	NOUN
fsr-3777	7	10	outstanding	outstanding	ADJ
fsr-3777	7	11	associated	associate	VERB
fsr-3777	7	12	with	with	ADP
fsr-3777	7	13	the	the	DET
fsr-3777	7	14	use	use	NOUN
fsr-3777	7	15	of	of	ADP
fsr-3777	7	16	third	third	ADJ
fsr-3777	7	17	-	-	PUNCT
fsr-3777	7	18	party	party	NOUN
fsr-3777	7	19	credit	credit	NOUN
fsr-3777	7	20	cards	card	NOUN
fsr-3777	7	21	.	.	PUNCT
fsr-3777	8	1	revolving	revolve	VERB
fsr-3777	8	2	credit	credit	NOUN
fsr-3777	8	3	outstanding	outstanding	ADJ
fsr-3777	8	4	increased	increase	VERB
fsr-3777	8	5	from	from	ADP
fsr-3777	8	6	about	about	ADP
fsr-3777	8	7	18	18	NUM
fsr-3777	8	8	%	%	NOUN
fsr-3777	8	9	of	of	ADP
fsr-3777	8	10	total	total	ADJ
fsr-3777	8	11	consumer	consumer	NOUN
fsr-3777	8	12	installment	installment	NOUN
fsr-3777	8	13	credit	credit	NOUN
fsr-3777	8	14	in	in	ADP
fsr-3777	8	15	1980	1980	NUM
fsr-3777	8	16	to	to	ADP
fsr-3777	8	17	35	35	NUM
fsr-3777	8	18	%	%	NOUN
fsr-3777	8	19	in	in	ADP
fsr-3777	8	20	1993	1993	NUM
fsr-3777	8	21	.	.	PUNCT
fsr-3777	9	1	during	during	ADP
fsr-3777	9	2	that	that	DET
fsr-3777	9	3	period	period	NOUN
fsr-3777	9	4	,	,	PUNCT
fsr-3777	9	5	consumer	consumer	NOUN
fsr-3777	9	6	credit	credit	NOUN
fsr-3777	9	7	outstanding	outstanding	ADJ
fsr-3777	9	8	increased	increase	VERB
fsr-3777	9	9	from	from	ADP
fsr-3777	9	10	about	about	ADP
fsr-3777	9	11	$	$	SYM
fsr-3777	9	12	250	250	NUM
fsr-3777	9	13	billion	billion	NUM
fsr-3777	9	14	to	to	PART
fsr-3777	9	15	$	$	SYM
fsr-3777	9	16	770	770	NUM
fsr-3777	9	17	billion	billion	NUM
fsr-3777	9	18	.	.	PUNCT
fsr-3777	10	1	while	while	SCONJ
fsr-3777	10	2	third	third	ADJ
fsr-3777	10	3	-	-	PUNCT
fsr-3777	10	4	party	party	NOUN
fsr-3777	10	5	credit	credit	NOUN
fsr-3777	10	6	cards	card	NOUN
fsr-3777	10	7	had	have	AUX
fsr-3777	10	8	been	be	AUX
fsr-3777	10	9	available	available	ADJ
fsr-3777	10	10	from	from	ADP
fsr-3777	10	11	the	the	DET
fsr-3777	10	12	middle	middle	NOUN
fsr-3777	10	13	to	to	ADP
fsr-3777	10	14	late	late	ADJ
fsr-3777	10	15	196os	196os	PROPN
fsr-3777	10	16	,	,	PUNCT
fsr-3777	10	17	in	in	ADP
fsr-3777	10	18	1970	1970	NUM
fsr-3777	10	19	only	only	ADV
fsr-3777	10	20	16	16	NUM
fsr-3777	10	21	%	%	NOUN
fsr-3777	10	22	of	of	ADP
fsr-3777	10	23	u.s	u.s	PROPN
fsr-3777	10	24	.	.	PROPN
fsr-3777	10	25	households	household	NOUN
fsr-3777	10	26	had	have	VERB
fsr-3777	10	27	a	a	DET
fsr-3777	10	28	bank	bank	NOUN
fsr-3777	10	29	card	card	NOUN
fsr-3777	10	30	.	.	PUNCT
fsr-3777	11	1	by	by	ADP
fsr-3777	11	2	1989,54	1989,54	NUM
fsr-3777	11	3	%	%	NOUN
fsr-3777	11	4	of	of	ADP
fsr-3777	11	5	households	household	NOUN
fsr-3777	11	6	had	have	VERB
fsr-3777	11	7	at	at	ADV
fsr-3777	11	8	least	least	ADV
fsr-3777	11	9	one	one	NUM
fsr-3777	11	10	bank	bank	NOUN
fsr-3777	11	11	card	card	NOUN
fsr-3777	11	12	.	.	PUNCT
fsr-3777	12	1	this	this	DET
fsr-3777	12	2	dramatic	dramatic	ADJ
fsr-3777	12	3	increase	increase	NOUN
fsr-3777	12	4	in	in	ADP
fsr-3777	12	5	the	the	DET
fsr-3777	12	6	ownership	ownership	NOUN
fsr-3777	12	7	and	and	CCONJ
fsr-3777	12	8	use	use	NOUN
fsr-3777	12	9	of	of	ADP
fsr-3777	12	10	unsecured	unsecured	ADJ
fsr-3777	12	11	revolving	revolve	VERB
fsr-3777	12	12	credit	credit	NOUN
fsr-3777	12	13	lines	line	NOUN
fsr-3777	12	14	has	have	AUX
fsr-3777	12	15	been	be	AUX
fsr-3777	12	16	attributed	attribute	VERB
fsr-3777	12	17	to	to	ADP
fsr-3777	12	18	multiple	multiple	ADJ
fsr-3777	12	19	factors	factor	NOUN
fsr-3777	12	20	,	,	PUNCT
fsr-3777	12	21	including	include	VERB
fsr-3777	12	22	the	the	DET
fsr-3777	12	23	elimination	elimination	NOUN
fsr-3777	12	24	of	of	ADP
fsr-3777	12	25	most	most	ADJ
fsr-3777	12	26	state	state	NOUN
fsr-3777	12	27	usury	usury	NOUN
fsr-3777	12	28	ceilings	ceiling	NOUN
fsr-3777	12	29	,	,	PUNCT
fsr-3777	12	30	the	the	DET
fsr-3777	12	31	convenience	convenience	NOUN
fsr-3777	12	32	of	of	ADP
fsr-3777	12	33	small	small	ADJ
fsr-3777	12	34	amounts	amount	NOUN
fsr-3777	12	35	of	of	ADP
fsr-3777	12	36	immediately	immediately	ADV
fsr-3777	12	37	accessible	accessible	ADJ
fsr-3777	12	38	consumer	consumer	NOUN
fsr-3777	12	39	credit	credit	NOUN
fsr-3777	12	40	,	,	PUNCT
fsr-3777	12	41	and	and	CCONJ
fsr-3777	12	42	a	a	DET
fsr-3777	12	43	surge	surge	NOUN
fsr-3777	12	44	in	in	ADP
fsr-3777	12	45	the	the	DET
fsr-3777	12	46	number	number	NOUN
fsr-3777	12	47	of	of	ADP
fsr-3777	12	48	households	household	NOUN
fsr-3777	12	49	in	in	ADP
fsr-3777	12	50	the	the	DET
fsr-3777	12	51	prime	prime	ADJ
fsr-3777	12	52	debt	debt	NOUN
fsr-3777	12	53	-	-	PUNCT
fsr-3777	12	54	use	use	NOUN
fsr-3777	12	55	phase	phase	NOUN
fsr-3777	12	56	of	of	ADP
fsr-3777	12	57	the	the	DET
fsr-3777	12	58	life	life	NOUN
fsr-3777	12	59	cycle	cycle	NOUN
fsr-3777	12	60	(	(	PUNCT
fsr-3777	12	61	canner	canner	NOUN
fsr-3777	12	62	&	&	CCONJ
fsr-3777	12	63	luckett	luckett	PROPN
fsr-3777	12	64	,	,	PUNCT
fsr-3777	12	65	1992	1992	NUM
fsr-3777	12	66	)	)	PUNCT
fsr-3777	12	67	.	.	PUNCT
fsr-3777	13	1	the	the	DET
fsr-3777	13	2	public	public	ADJ
fsr-3777	13	3	policy	policy	NOUN
fsr-3777	13	4	concern	concern	NOUN
fsr-3777	13	5	was	be	AUX
fsr-3777	13	6	focused	focus	VERB
fsr-3777	13	7	on	on	ADP
fsr-3777	13	8	the	the	DET
fsr-3777	13	9	pricing	pricing	NOUN
fsr-3777	13	10	of	of	ADP
fsr-3777	13	11	revolving	revolve	VERB
fsr-3777	13	12	credit	credit	NOUN
fsr-3777	13	13	,	,	PUNCT
fsr-3777	13	14	specifically	specifically	ADV
fsr-3777	13	15	,	,	PUNCT
fsr-3777	13	16	concerns	concern	NOUN
fsr-3777	13	17	about	about	ADP
fsr-3777	13	18	whether	whether	SCONJ
fsr-3777	13	19	the	the	DET
fsr-3777	13	20	market	market	NOUN
fsr-3777	13	21	for	for	ADP
fsr-3777	13	22	third	third	ADJ
fsr-3777	13	23	party	party	NOUN
fsr-3777	13	24	credit	credit	NOUN
fsr-3777	13	25	cards	card	NOUN
fsr-3777	13	26	was	be	AUX
fsr-3777	13	27	sufficiently	sufficiently	ADV
fsr-3777	13	28	competitive	competitive	ADJ
fsr-3777	13	29	(	(	PUNCT
fsr-3777	13	30	ausebel	ausebel	NOUN
fsr-3777	13	31	,	,	PUNCT
fsr-3777	13	32	1991	1991	NUM
fsr-3777	13	33	;	;	PUNCT
fsr-3777	13	34	government	government	NOUN
fsr-3777	13	35	accounting	accounting	NOUN
fsr-3777	13	36	office	office	NOUN
fsr-3777	13	37	,	,	PUNCT
fsr-3777	13	38	1994	1994	NUM
fsr-3777	13	39	)	)	PUNCT
fsr-3777	13	40	.	.	PUNCT
fsr-3777	14	1	the	the	DET
fsr-3777	14	2	fair	fair	ADJ
fsr-3777	14	3	credit	credit	NOUN
fsr-3777	14	4	and	and	CCONJ
fsr-3777	14	5	charge	charge	NOUN
fsr-3777	14	6	card	card	NOUN
fsr-3777	14	7	disclosure	disclosure	NOUN
fsr-3777	14	8	act	act	NOUN
fsr-3777	14	9	,	,	PUNCT
fsr-3777	14	10	effective	effective	ADJ
fsr-3777	14	11	in	in	ADP
fsr-3777	14	12	1988	1988	NUM
fsr-3777	14	13	,	,	PUNCT
fsr-3777	14	14	was	be	AUX
fsr-3777	14	15	designed	design	VERB
fsr-3777	14	16	to	to	PART
fsr-3777	14	17	strengthen	strengthen	VERB
fsr-3777	14	18	mandatory	mandatory	ADJ
fsr-3777	14	19	disclosure	disclosure	NOUN
fsr-3777	14	20	for	for	ADP
fsr-3777	14	21	credit	credit	NOUN
fsr-3777	14	22	cards	card	NOUN
fsr-3777	14	23	,	,	PUNCT
fsr-3777	14	24	reducing	reduce	VERB
fsr-3777	14	25	consumers	consumer	NOUN
fsr-3777	14	26	’	’	PART
fsr-3777	14	27	search	search	NOUN
fsr-3777	14	28	and	and	CCONJ
fsr-3777	14	29	switching	switching	NOUN
fsr-3777	14	30	costs	cost	NOUN
fsr-3777	14	31	.	.	PUNCT
fsr-3777	15	1	an	an	DET
fsr-3777	15	2	analysis	analysis	NOUN
fsr-3777	15	3	of	of	ADP
fsr-3777	15	4	a.	a.	PROPN
fsr-3777	15	5	charlene	charlene	PROPN
fsr-3777	15	6	sulliian	sulliian	PROPN
fsr-3777	15	7	l	l	PROPN
fsr-3777	15	8	purdue	purdue	PROPN
fsr-3777	15	9	university	university	PROPN
fsr-3777	15	10	,	,	PUNCT
fsr-3777	15	11	217	217	NUM
fsr-3777	15	12	kraunert	kraunert	ADJ
fsr-3777	15	13	center	center	NOUN
fsr-3777	15	14	,	,	PUNCT
fsr-3777	15	15	west	west	PROPN
fsr-3777	15	16	lafayette	lafayette	PROPN
fsr-3777	15	17	,	,	PUNCT
fsr-3777	15	18	in	in	ADP
fsr-3777	15	19	47907	47907	NUM
fsr-3777	15	20	.	.	PUNCT
fsr-3777	16	1	debra	debra	PROPN
fsr-3777	16	2	drecnik	drecnik	PROPN
fsr-3777	16	3	worden	worden	PROPN
fsr-3777	17	1	l	l	PROPN
fsr-3777	17	2	george	george	PROPN
fsr-3777	17	3	fox	fox	PROPN
fsr-3777	17	4	college	college	PROPN
fsr-3777	17	5	,	,	PUNCT
fsr-3777	17	6	414	414	NUM
fsr-3777	17	7	n.	n.	PROPN
fsr-3777	17	8	meridian	meridian	PROPN
fsr-3777	17	9	street	street	PROPN
fsr-3777	17	10	,	,	PUNCT
fsr-3777	17	11	newberg	newberg	PROPN
fsr-3777	17	12	,	,	PUNCT
fsr-3777	17	13	or	or	CCONJ
fsr-3777	17	14	97132	97132	NUM
fsr-3777	17	15	.	.	PUNCT
fsr-3777	18	1	i24	i24	PROPN
fsr-3777	18	2	financial	financial	PROPN
fsr-3777	18	3	services	service	NOUN
fsr-3777	18	4	review	review	NOUN
fsr-3777	18	5	4(2	4(2	NUM
fsr-3777	18	6	)	)	PUNCT
fsr-3777	18	7	1995	1995	NUM
fsr-3777	19	1	the	the	DET
fsr-3777	19	2	average	average	ADJ
fsr-3777	19	3	profitability	profitability	NOUN
fsr-3777	19	4	of	of	ADP
fsr-3777	19	5	credit	credit	NOUN
fsr-3777	19	6	card	card	NOUN
fsr-3777	19	7	banks	bank	NOUN
fsr-3777	19	8	between	between	ADP
fsr-3777	19	9	1988	1988	NUM
fsr-3777	19	10	and	and	CCONJ
fsr-3777	19	11	1993	1993	NUM
fsr-3777	19	12	showed	show	VERB
fsr-3777	19	13	that	that	SCONJ
fsr-3777	19	14	spreads	spread	NOUN
fsr-3777	19	15	and	and	CCONJ
fsr-3777	19	16	profits	profit	NOUN
fsr-3777	19	17	on	on	ADP
fsr-3777	19	18	credit	credit	NOUN
fsr-3777	19	19	card	card	NOUN
fsr-3777	19	20	operations	operation	NOUN
fsr-3777	19	21	have	have	AUX
fsr-3777	19	22	remained	remain	VERB
fsr-3777	19	23	high	high	ADJ
fsr-3777	19	24	relative	relative	ADJ
fsr-3777	19	25	to	to	ADP
fsr-3777	19	26	other	other	ADJ
fsr-3777	19	27	bank	bank	NOUN
fsr-3777	19	28	products	product	NOUN
fsr-3777	19	29	.	.	PUNCT
fsr-3777	20	1	shaffer	shaffer	NOUN
fsr-3777	20	2	(	(	PUNCT
fsr-3777	20	3	1994	1994	NUM
fsr-3777	20	4	)	)	PUNCT
fsr-3777	20	5	concluded	conclude	VERB
fsr-3777	20	6	that	that	SCONJ
fsr-3777	20	7	the	the	DET
fsr-3777	20	8	act	act	NOUN
fsr-3777	20	9	had	have	AUX
fsr-3777	20	10	not	not	PART
fsr-3777	20	11	increased	increase	VERB
fsr-3777	20	12	the	the	DET
fsr-3777	20	13	degree	degree	NOUN
fsr-3777	20	14	of	of	ADP
fsr-3777	20	15	price	price	NOUN
fsr-3777	20	16	competition	competition	NOUN
fsr-3777	20	17	in	in	ADP
fsr-3777	20	18	the	the	DET
fsr-3777	20	19	market	market	NOUN
fsr-3777	20	20	for	for	ADP
fsr-3777	20	21	credit	credit	NOUN
fsr-3777	20	22	cards	card	NOUN
fsr-3777	20	23	.	.	PUNCT
fsr-3777	21	1	the	the	DET
fsr-3777	21	2	second	second	ADJ
fsr-3777	21	3	phenomenon	phenomenon	NOUN
fsr-3777	21	4	is	be	AUX
fsr-3777	21	5	the	the	DET
fsr-3777	21	6	surge	surge	NOUN
fsr-3777	21	7	in	in	ADP
fsr-3777	21	8	the	the	DET
fsr-3777	21	9	annual	annual	ADJ
fsr-3777	21	10	number	number	NOUN
fsr-3777	21	11	of	of	ADP
fsr-3777	21	12	non	non	ADJ
fsr-3777	21	13	-	-	ADJ
fsr-3777	21	14	business	business	ADJ
fsr-3777	21	15	estates	estate	NOUN
fsr-3777	21	16	filmg	filmg	ADJ
fsr-3777	21	17	for	for	ADP
fsr-3777	21	18	protection	protection	NOUN
fsr-3777	21	19	from	from	ADP
fsr-3777	21	20	creditors	creditor	NOUN
fsr-3777	21	21	in	in	ADP
fsr-3777	21	22	bankruptcy	bankruptcy	NOUN
fsr-3777	21	23	court	court	NOUN
fsr-3777	21	24	-	-	PUNCT
fsr-3777	21	25	from	from	ADP
fsr-3777	21	26	about	about	ADV
fsr-3777	21	27	200,000	200,000	NUM
fsr-3777	21	28	in	in	ADP
fsr-3777	21	29	1980	1980	NUM
fsr-3777	21	30	to	to	PART
fsr-3777	21	31	approxi	approxi	VERB
fsr-3777	21	32	mately	mately	ADV
fsr-3777	21	33	l	l	NOUN
fsr-3777	21	34	,	,	PUNCT
fsr-3777	21	35	ooo	ooo	INTJ
fsr-3777	21	36	,	,	PUNCT
fsr-3777	21	37	ooo	ooo	INTJ
fsr-3777	21	38	in	in	ADP
fsr-3777	21	39	1993	1993	NUM
fsr-3777	21	40	.	.	PUNCT
fsr-3777	22	1	historical	historical	ADJ
fsr-3777	22	2	trends	trend	NOUN
fsr-3777	22	3	in	in	ADP
fsr-3777	22	4	personal	personal	ADJ
fsr-3777	22	5	bankruptcy	bankruptcy	NOUN
fsr-3777	22	6	show	show	VERB
fsr-3777	22	7	that	that	SCONJ
fsr-3777	22	8	periods	period	NOUN
fsr-3777	22	9	of	of	ADP
fsr-3777	22	10	rapid	rapid	ADJ
fsr-3777	22	11	increase	increase	NOUN
fsr-3777	22	12	coincide	coincide	NOUN
fsr-3777	22	13	with	with	ADP
fsr-3777	22	14	periods	period	NOUN
fsr-3777	22	15	of	of	ADP
fsr-3777	22	16	economic	economic	ADJ
fsr-3777	22	17	contraction	contraction	NOUN
fsr-3777	22	18	.	.	PUNCT
fsr-3777	23	1	the	the	DET
fsr-3777	23	2	sharp	sharp	ADJ
fsr-3777	23	3	increase	increase	NOUN
fsr-3777	23	4	in	in	ADP
fsr-3777	23	5	the	the	DET
fsr-3777	23	6	incidence	incidence	NOUN
fsr-3777	23	7	of	of	ADP
fsr-3777	23	8	personal	personal	ADJ
fsr-3777	23	9	bankruptcy	bankruptcy	NOUN
fsr-3777	23	10	during	during	ADP
fsr-3777	23	11	the	the	DET
fsr-3777	23	12	economic	economic	ADJ
fsr-3777	23	13	expansion	expansion	NOUN
fsr-3777	23	14	period	period	NOUN
fsr-3777	23	15	that	that	PRON
fsr-3777	23	16	started	start	VERB
fsr-3777	23	17	in	in	ADP
fsr-3777	23	18	november	november	PROPN
fsr-3777	23	19	1982	1982	NUM
fsr-3777	23	20	and	and	CCONJ
fsr-3777	23	21	extended	extend	VERB
fsr-3777	23	22	into	into	ADP
fsr-3777	23	23	1990	1990	NUM
fsr-3777	23	24	was	be	AUX
fsr-3777	23	25	,	,	PUNCT
fsr-3777	23	26	thus	thus	ADV
fsr-3777	23	27	,	,	PUNCT
fsr-3777	23	28	inconsistent	inconsistent	ADJ
fsr-3777	23	29	with	with	ADP
fsr-3777	23	30	historical	historical	ADJ
fsr-3777	23	31	patterns	pattern	NOUN
fsr-3777	23	32	(	(	PUNCT
fsr-3777	23	33	luckett	luckett	PROPN
fsr-3777	23	34	,	,	PUNCT
fsr-3777	23	35	1988	1988	NUM
fsr-3777	23	36	;	;	PUNCT
fsr-3777	23	37	canner	canner	NOUN
fsr-3777	23	38	&	&	CCONJ
fsr-3777	23	39	luckett	luckett	PROPN
fsr-3777	23	40	,	,	PUNCT
fsr-3777	23	41	1991	1991	NUM
fsr-3777	23	42	)	)	PUNCT
fsr-3777	23	43	.	.	PUNCT
fsr-3777	24	1	explanations	explanation	NOUN
fsr-3777	24	2	offered	offer	VERB
fsr-3777	24	3	for	for	ADP
fsr-3777	24	4	the	the	DET
fsr-3777	24	5	latter	latter	ADJ
fsr-3777	24	6	development	development	NOUN
fsr-3777	24	7	include	include	VERB
fsr-3777	24	8	a	a	DET
fsr-3777	24	9	change	change	NOUN
fsr-3777	24	10	in	in	ADP
fsr-3777	24	11	the	the	DET
fsr-3777	24	12	federal	federal	ADJ
fsr-3777	24	13	bankruptcy	bankruptcy	NOUN
fsr-3777	24	14	code	code	NOUN
fsr-3777	24	15	that	that	PRON
fsr-3777	24	16	reduced	reduce	VERB
fsr-3777	24	17	the	the	DET
fsr-3777	24	18	private	private	ADJ
fsr-3777	24	19	cost	cost	NOUN
fsr-3777	24	20	of	of	ADP
fsr-3777	24	21	bankruptcy	bankruptcy	NOUN
fsr-3777	24	22	.	.	PUNCT
fsr-3777	25	1	one	one	NUM
fsr-3777	25	2	of	of	ADP
fsr-3777	25	3	the	the	DET
fsr-3777	25	4	aims	aim	NOUN
fsr-3777	25	5	of	of	ADP
fsr-3777	25	6	the	the	DET
fsr-3777	25	7	bankruptcy	bankruptcy	NOUN
fsr-3777	25	8	reform	reform	PROPN
fsr-3777	25	9	act	act	PROPN
fsr-3777	25	10	of	of	ADP
fsr-3777	25	11	1978	1978	NUM
fsr-3777	25	12	was	be	AUX
fsr-3777	25	13	to	to	PART
fsr-3777	25	14	establish	establish	VERB
fsr-3777	25	15	a	a	DET
fsr-3777	25	16	federal	federal	ADJ
fsr-3777	25	17	standard	standard	NOUN
fsr-3777	25	18	for	for	ADP
fsr-3777	25	19	the	the	DET
fsr-3777	25	20	value	value	NOUN
fsr-3777	25	21	of	of	ADP
fsr-3777	25	22	personal	personal	ADJ
fsr-3777	25	23	assets	asset	NOUN
fsr-3777	25	24	exempted	exempt	VERB
fsr-3777	25	25	from	from	ADP
fsr-3777	25	26	liquidation	liquidation	NOUN
fsr-3777	25	27	under	under	ADP
fsr-3777	25	28	chapter	chapter	NOUN
fsr-3777	25	29	7	7	NUM
fsr-3777	25	30	of	of	ADP
fsr-3777	25	31	the	the	DET
fsr-3777	25	32	u.s	u.s	PROPN
fsr-3777	25	33	.	.	PROPN
fsr-3777	25	34	bankruptcy	bankruptcy	PROPN
fsr-3777	25	35	code	code	PROPN
fsr-3777	25	36	.	.	PUNCT
fsr-3777	26	1	the	the	DET
fsr-3777	26	2	act	act	NOUN
fsr-3777	26	3	also	also	ADV
fsr-3777	26	4	expanded	expand	VERB
fsr-3777	26	5	eligibility	eligibility	NOUN
fsr-3777	26	6	for	for	ADP
fsr-3777	26	7	chapter	chapter	NOUN
fsr-3777	26	8	13	13	NUM
fsr-3777	26	9	of	of	ADP
fsr-3777	26	10	the	the	DET
fsr-3777	26	11	code	code	NOUN
fsr-3777	26	12	to	to	ADP
fsr-3777	26	13	practically	practically	ADV
fsr-3777	26	14	all	all	PRON
fsr-3777	26	15	non	non	ADJ
fsr-3777	26	16	-	-	ADJ
fsr-3777	26	17	business	business	ADJ
fsr-3777	26	18	debtors	debtor	NOUN
fsr-3777	26	19	.	.	PUNCT
fsr-3777	26	20	’	'	PUNCT
fsr-3777	27	1	a	a	DET
fsr-3777	27	2	more	more	ADV
fsr-3777	27	3	recent	recent	ADJ
fsr-3777	27	4	reform	reform	NOUN
fsr-3777	27	5	,	,	PUNCT
fsr-3777	27	6	the	the	DET
fsr-3777	27	7	bankruptcy	bankruptcy	NOUN
fsr-3777	27	8	reform	reform	PROPN
fsr-3777	27	9	act	act	PROPN
fsr-3777	27	10	of	of	ADP
fsr-3777	27	11	1994	1994	NUM
fsr-3777	27	12	,	,	PUNCT
fsr-3777	27	13	further	far	ADV
fsr-3777	27	14	amended	amend	VERB
fsr-3777	27	15	the	the	DET
fsr-3777	27	16	bankruptcy	bankruptcy	NOUN
fsr-3777	27	17	code	code	NOUN
fsr-3777	27	18	to	to	PART
fsr-3777	27	19	make	make	VERB
fsr-3777	27	20	chapter	chapter	NOUN
fsr-3777	27	21	13	13	NUM
fsr-3777	27	22	a	a	DET
fsr-3777	27	23	more	more	ADV
fsr-3777	27	24	attractive	attractive	ADJ
fsr-3777	27	25	and	and	CCONJ
fsr-3777	27	26	accessible	accessible	ADJ
fsr-3777	27	27	choice	choice	NOUN
fsr-3777	27	28	in	in	ADP
fsr-3777	27	29	bankruptcy	bankruptcy	NOUN
fsr-3777	27	30	.	.	PUNCT
fsr-3777	28	1	canner	canner	NOUN
fsr-3777	28	2	and	and	CCONJ
fsr-3777	28	3	luckett	luckett	PROPN
fsr-3777	28	4	(	(	PUNCT
fsr-3777	28	5	199	199	NUM
fsr-3777	28	6	1	1	NUM
fsr-3777	28	7	)	)	PUNCT
fsr-3777	28	8	suggested	suggest	VERB
fsr-3777	28	9	that	that	SCONJ
fsr-3777	28	10	the	the	DET
fsr-3777	28	11	1978	1978	NUM
fsr-3777	28	12	reform	reform	NOUN
fsr-3777	28	13	made	make	VERB
fsr-3777	28	14	bankruptcy	bankruptcy	NOUN
fsr-3777	28	15	a	a	DET
fsr-3777	28	16	more	more	ADV
fsr-3777	28	17	attractive	attractive	ADJ
fsr-3777	28	18	option	option	NOUN
fsr-3777	28	19	for	for	ADP
fsr-3777	28	20	troubled	troubled	ADJ
fsr-3777	28	21	debtors	debtor	NOUN
fsr-3777	28	22	relative	relative	ADJ
fsr-3777	28	23	to	to	ADP
fsr-3777	28	24	outright	outright	ADJ
fsr-3777	28	25	default	default	NOUN
fsr-3777	28	26	or	or	CCONJ
fsr-3777	28	27	informal	informal	ADJ
fsr-3777	28	28	renego	renego	ADJ
fsr-3777	28	29	tiation	tiation	NOUN
fsr-3777	28	30	with	with	ADP
fsr-3777	28	31	creditors	creditor	NOUN
fsr-3777	28	32	.	.	PUNCT
fsr-3777	29	1	they	they	PRON
fsr-3777	29	2	argued	argue	VERB
fsr-3777	29	3	that	that	SCONJ
fsr-3777	29	4	the	the	DET
fsr-3777	29	5	“	"	PUNCT
fsr-3777	29	6	rise	rise	NOUN
fsr-3777	29	7	in	in	ADP
fsr-3777	29	8	bankruptcy	bankruptcy	NOUN
fsr-3777	29	9	may	may	AUX
fsr-3777	29	10	be	be	AUX
fsr-3777	29	11	reflecting	reflect	VERB
fsr-3777	29	12	to	to	ADP
fsr-3777	29	13	a	a	DET
fsr-3777	29	14	significant	significant	ADJ
fsr-3777	29	15	degree	degree	NOUN
fsr-3777	29	16	a	a	DET
fsr-3777	29	17	shift	shift	NOUN
fsr-3777	29	18	in	in	ADP
fsr-3777	29	19	the	the	DET
fsr-3777	29	20	way	way	NOUN
fsr-3777	29	21	households	household	NOUN
fsr-3777	29	22	choose	choose	VERB
fsr-3777	29	23	to	to	PART
fsr-3777	29	24	respond	respond	VERB
fsr-3777	29	25	to	to	ADP
fsr-3777	29	26	debt	debt	NOUN
fsr-3777	29	27	problems	problem	NOUN
fsr-3777	29	28	rather	rather	ADV
fsr-3777	29	29	than	than	ADP
fsr-3777	29	30	an	an	DET
fsr-3777	29	31	increase	increase	NOUN
fsr-3777	29	32	in	in	ADP
fsr-3777	29	33	debt	debt	NOUN
fsr-3777	29	34	problems	problem	NOUN
fsr-3777	29	35	per	per	ADP
fsr-3777	29	36	se	se	X
fsr-3777	29	37	.	.	PUNCT
fsr-3777	30	1	“the	“the	DET
fsr-3777	30	2	public	public	ADJ
fsr-3777	30	3	policy	policy	NOUN
fsr-3777	30	4	concern	concern	NOUN
fsr-3777	30	5	was	be	AUX
fsr-3777	30	6	whether	whether	SCONJ
fsr-3777	30	7	bankruptcy	bankruptcy	NOUN
fsr-3777	30	8	relief	relief	NOUN
fsr-3777	30	9	had	have	AUX
fsr-3777	30	10	become	become	VERB
fsr-3777	30	11	“	"	PUNCT
fsr-3777	30	12	too	too	ADV
fsr-3777	30	13	easy	easy	ADJ
fsr-3777	30	14	,	,	PUNCT
fsr-3777	30	15	”	"	PUNCT
fsr-3777	30	16	creating	create	VERB
fsr-3777	30	17	a	a	DET
fsr-3777	30	18	high	high	ADJ
fsr-3777	30	19	social	social	ADJ
fsr-3777	30	20	cost	cost	NOUN
fsr-3777	30	21	which	which	PRON
fsr-3777	30	22	,	,	PUNCT
fsr-3777	30	23	in	in	ADP
fsr-3777	30	24	turn	turn	NOUN
fsr-3777	30	25	,	,	PUNCT
fsr-3777	30	26	would	would	AUX
fsr-3777	30	27	increase	increase	VERB
fsr-3777	30	28	the	the	DET
fsr-3777	30	29	cost	cost	NOUN
fsr-3777	30	30	of	of	ADP
fsr-3777	30	31	and	and	CCONJ
fsr-3777	30	32	reduce	reduce	VERB
fsr-3777	30	33	the	the	DET
fsr-3777	30	34	availability	availability	NOUN
fsr-3777	30	35	of	of	ADP
fsr-3777	30	36	unsecured	unsecured	ADJ
fsr-3777	30	37	household	household	NOUN
fsr-3777	30	38	credit	credit	NOUN
fsr-3777	30	39	(	(	PUNCT
fsr-3777	30	40	credit	credit	NOUN
fsr-3777	30	41	research	research	NOUN
fsr-3777	30	42	center	center	NOUN
fsr-3777	30	43	,	,	PUNCT
fsr-3777	30	44	1982	1982	NUM
fsr-3777	30	45	)	)	PUNCT
fsr-3777	30	46	.	.	PUNCT
fsr-3777	31	1	this	this	DET
fsr-3777	31	2	paper	paper	NOUN
fsr-3777	31	3	investigates	investigate	VERB
fsr-3777	31	4	a	a	DET
fsr-3777	31	5	dimension	dimension	NOUN
fsr-3777	31	6	of	of	ADP
fsr-3777	31	7	the	the	DET
fsr-3777	31	8	possible	possible	ADJ
fsr-3777	31	9	relationship	relationship	NOUN
fsr-3777	31	10	between	between	ADP
fsr-3777	31	11	the	the	DET
fsr-3777	31	12	two	two	NUM
fsr-3777	31	13	phenomena	phenomenon	NOUN
fsr-3777	31	14	.	.	PUNCT
fsr-3777	32	1	specifically	specifically	ADV
fsr-3777	32	2	,	,	PUNCT
fsr-3777	32	3	the	the	DET
fsr-3777	32	4	question	question	NOUN
fsr-3777	32	5	addressed	address	VERB
fsr-3777	32	6	is	be	AUX
fsr-3777	32	7	whether	whether	SCONJ
fsr-3777	32	8	there	there	PRON
fsr-3777	32	9	is	be	VERB
fsr-3777	32	10	evidence	evidence	NOUN
fsr-3777	32	11	that	that	SCONJ
fsr-3777	32	12	consumers	consumer	NOUN
fsr-3777	32	13	who	who	PRON
fsr-3777	32	14	use	use	VERB
fsr-3777	32	15	credit	credit	NOUN
fsr-3777	32	16	cards	card	NOUN
fsr-3777	32	17	aggressively	aggressively	ADV
fsr-3777	32	18	and	and	CCONJ
fsr-3777	32	19	then	then	ADV
fsr-3777	32	20	default	default	VERB
fsr-3777	32	21	prefer	prefer	VERB
fsr-3777	32	22	filing	filing	NOUN
fsr-3777	32	23	bankruptcy	bankruptcy	NOUN
fsr-3777	32	24	to	to	ADP
fsr-3777	32	25	other	other	ADJ
fsr-3777	32	26	methods	method	NOUN
fsr-3777	32	27	of	of	ADP
fsr-3777	32	28	responding	respond	VERB
fsr-3777	32	29	to	to	ADP
fsr-3777	32	30	debt	debt	NOUN
fsr-3777	32	31	problems	problem	NOUN
fsr-3777	32	32	.	.	PUNCT
fsr-3777	33	1	others	other	NOUN
fsr-3777	33	2	have	have	AUX
fsr-3777	33	3	alluded	allude	VERB
fsr-3777	33	4	to	to	ADP
fsr-3777	33	5	this	this	DET
fsr-3777	33	6	relationship	relationship	NOUN
fsr-3777	33	7	.	.	PUNCT
fsr-3777	34	1	analyzing	analyze	VERB
fsr-3777	34	2	petition	petition	NOUN
fsr-3777	34	3	data	datum	NOUN
fsr-3777	34	4	,	,	PUNCT
fsr-3777	34	5	demowitz	demowitz	PROPN
fsr-3777	34	6	claimed	claim	VERB
fsr-3777	34	7	“	"	PUNCT
fsr-3777	34	8	an	an	DET
fsr-3777	34	9	increase	increase	NOUN
fsr-3777	34	10	in	in	ADP
fsr-3777	34	11	credit	credit	NOUN
fsr-3777	34	12	card	card	NOUN
fsr-3777	34	13	debt	debt	NOUN
fsr-3777	34	14	relative	relative	ADJ
fsr-3777	34	15	to	to	ADP
fsr-3777	34	16	income	income	NOUN
fsr-3777	34	17	is	be	AUX
fsr-3777	34	18	one	one	NUM
fsr-3777	34	19	of	of	ADP
fsr-3777	34	20	the	the	DET
fsr-3777	34	21	strongest	strong	ADJ
fsr-3777	34	22	contributors	contributor	NOUN
fsr-3777	34	23	to	to	ADP
fsr-3777	34	24	the	the	DET
fsr-3777	34	25	probability	probability	NOUN
fsr-3777	34	26	of	of	ADP
fsr-3777	34	27	filing	filing	NOUN
fsr-3777	34	28	for	for	ADP
fsr-3777	34	29	bankruptcy	bankruptcy	NOUN
fsr-3777	34	30	”	"	PUNCT
fsr-3777	34	31	(	(	PUNCT
fsr-3777	34	32	1992	1992	NUM
fsr-3777	34	33	,	,	PUNCT
fsr-3777	34	34	p.	p.	NOUN
fsr-3777	34	35	16	16	NUM
fsr-3777	34	36	)	)	PUNCT
fsr-3777	34	37	.	.	PUNCT
fsr-3777	35	1	offering	offer	VERB
fsr-3777	35	2	insight	insight	NOUN
fsr-3777	35	3	into	into	ADP
fsr-3777	35	4	consumer	consumer	NOUN
fsr-3777	35	5	behavior	behavior	NOUN
fsr-3777	35	6	,	,	PUNCT
fsr-3777	35	7	pozdena	pozdena	NOUN
fsr-3777	35	8	used	use	VERB
fsr-3777	35	9	option	option	NOUN
fsr-3777	35	10	theory	theory	NOUN
fsr-3777	35	11	to	to	PART
fsr-3777	35	12	conclude	conclude	VERB
fsr-3777	35	13	that	that	SCONJ
fsr-3777	35	14	cardholders	cardholder	NOUN
fsr-3777	35	15	have	have	VERB
fsr-3777	35	16	an	an	DET
fsr-3777	35	17	incentive	incentive	NOUN
fsr-3777	35	18	to	to	PART
fsr-3777	35	19	take	take	VERB
fsr-3777	35	20	risks	risk	NOUN
fsr-3777	35	21	in	in	ADP
fsr-3777	35	22	their	their	PRON
fsr-3777	35	23	credit	credit	NOUN
fsr-3777	35	24	-	-	PUNCT
fsr-3777	35	25	use	use	NOUN
fsr-3777	35	26	behavior	behavior	NOUN
fsr-3777	35	27	when	when	SCONJ
fsr-3777	35	28	using	use	VERB
fsr-3777	35	29	credit	credit	NOUN
fsr-3777	35	30	cards	card	NOUN
fsr-3777	35	31	.	.	PUNCT
fsr-3777	36	1	pozdena	pozdena	PROPN
fsr-3777	36	2	argued	argue	VERB
fsr-3777	36	3	that	that	SCONJ
fsr-3777	36	4	“	"	PUNCT
fsr-3777	36	5	the	the	DET
fsr-3777	36	6	high	high	ADJ
fsr-3777	36	7	default	default	NOUN
fsr-3777	36	8	potential	potential	NOUN
fsr-3777	36	9	of	of	ADP
fsr-3777	36	10	credit	credit	NOUN
fsr-3777	36	11	card	card	NOUN
fsr-3777	36	12	loans	loan	NOUN
fsr-3777	36	13	means	mean	VERB
fsr-3777	36	14	that	that	SCONJ
fsr-3777	36	15	their	their	PRON
fsr-3777	36	16	value	value	NOUN
fsr-3777	36	17	depends	depend	VERB
fsr-3777	36	18	more	more	ADV
fsr-3777	36	19	on	on	ADP
fsr-3777	36	20	the	the	DET
fsr-3777	36	21	implicit	implicit	ADJ
fsr-3777	36	22	default	default	NOUN
fsr-3777	36	23	option	option	NOUN
fsr-3777	36	24	than	than	ADP
fsr-3777	36	25	on	on	ADP
fsr-3777	36	26	the	the	DET
fsr-3777	36	27	prevailing	prevail	VERB
fsr-3777	36	28	time	time	NOUN
fsr-3777	36	29	value	value	NOUN
fsr-3777	36	30	of	of	ADP
fsr-3777	36	31	money	money	NOUN
fsr-3777	36	32	”	"	PUNCT
fsr-3777	36	33	(	(	PUNCT
fsr-3777	36	34	1991	1991	NUM
fsr-3777	36	35	,	,	PUNCT
fsr-3777	36	36	p.	p.	NOUN
fsr-3777	36	37	17	17	NUM
fsr-3777	36	38	)	)	PUNCT
fsr-3777	36	39	.	.	PUNCT
fsr-3777	37	1	furthermore	furthermore	ADV
fsr-3777	37	2	,	,	PUNCT
fsr-3777	37	3	less	less	ADV
fsr-3777	37	4	creditworthy	creditworthy	ADJ
fsr-3777	37	5	households	household	NOUN
fsr-3777	37	6	may	may	AUX
fsr-3777	37	7	self	self	NOUN
fsr-3777	37	8	-	-	PUNCT
fsr-3777	37	9	select	select	ADJ
fsr-3777	37	10	and	and	CCONJ
fsr-3777	37	11	use	use	VERB
fsr-3777	37	12	credit	credit	NOUN
fsr-3777	37	13	cards	card	NOUN
fsr-3777	37	14	more	more	ADV
fsr-3777	37	15	intensely	intensely	ADV
fsr-3777	37	16	because	because	SCONJ
fsr-3777	37	17	of	of	ADP
fsr-3777	37	18	the	the	DET
fsr-3777	37	19	valuable	valuable	ADJ
fsr-3777	37	20	default	default	NOUN
fsr-3777	37	21	option	option	NOUN
fsr-3777	37	22	,	,	PUNCT
fsr-3777	37	23	made	make	VERB
fsr-3777	37	24	more	more	ADV
fsr-3777	37	25	so	so	ADV
fsr-3777	37	26	by	by	ADP
fsr-3777	37	27	bankruptcy	bankruptcy	NOUN
fsr-3777	37	28	reform	reform	NOUN
fsr-3777	37	29	.	.	PUNCT
fsr-3777	38	1	this	this	DET
fsr-3777	38	2	potential	potential	NOUN
fsr-3777	38	3	for	for	ADP
fsr-3777	38	4	moral	moral	ADJ
fsr-3777	38	5	hazard	hazard	NOUN
fsr-3777	38	6	,	,	PUNCT
fsr-3777	38	7	if	if	SCONJ
fsr-3777	38	8	it	it	PRON
fsr-3777	38	9	exists	exist	VERB
fsr-3777	38	10	,	,	PUNCT
fsr-3777	38	11	creates	create	VERB
fsr-3777	38	12	an	an	DET
fsr-3777	38	13	interesting	interesting	ADJ
fsr-3777	38	14	risk	risk	NOUN
fsr-3777	38	15	management	management	NOUN
fsr-3777	38	16	/	/	SYM
fsr-3777	38	17	pricing	pricing	NOUN
fsr-3777	38	18	problem	problem	NOUN
fsr-3777	38	19	for	for	ADP
fsr-3777	38	20	credit	credit	NOUN
fsr-3777	38	21	card	card	NOUN
fsr-3777	38	22	portfolio	portfolio	NOUN
fsr-3777	38	23	managers	manager	NOUN
fsr-3777	38	24	.	.	PUNCT
fsr-3777	39	1	the	the	DET
fsr-3777	39	2	next	next	ADJ
fsr-3777	39	3	section	section	NOUN
fsr-3777	39	4	of	of	ADP
fsr-3777	39	5	this	this	DET
fsr-3777	39	6	paper	paper	NOUN
fsr-3777	39	7	discusses	discuss	VERB
fsr-3777	39	8	the	the	DET
fsr-3777	39	9	conditions	condition	NOUN
fsr-3777	39	10	that	that	PRON
fsr-3777	39	11	determine	determine	VERB
fsr-3777	39	12	the	the	DET
fsr-3777	39	13	value	value	NOUN
fsr-3777	39	14	of	of	ADP
fsr-3777	39	15	the	the	DET
fsr-3777	39	16	default	default	NOUN
fsr-3777	39	17	option	option	NOUN
fsr-3777	39	18	.	.	PUNCT
fsr-3777	40	1	the	the	DET
fsr-3777	40	2	third	third	ADJ
fsr-3777	40	3	section	section	NOUN
fsr-3777	40	4	summarizes	summarize	NOUN
fsr-3777	40	5	related	relate	VERB
fsr-3777	40	6	empirical	empirical	ADJ
fsr-3777	40	7	literature	literature	NOUN
fsr-3777	40	8	.	.	PUNCT
fsr-3777	41	1	section	section	NOUN
fsr-3777	41	2	iv	iv	NUM
fsr-3777	41	3	presents	present	NOUN
fsr-3777	41	4	summary	summary	NOUN
fsr-3777	41	5	statistics	statistic	NOUN
fsr-3777	41	6	of	of	ADP
fsr-3777	41	7	the	the	DET
fsr-3777	41	8	data	datum	NOUN
fsr-3777	41	9	analyzed	analyze	VERB
fsr-3777	41	10	in	in	ADP
fsr-3777	41	11	the	the	DET
fsr-3777	41	12	paper	paper	NOUN
fsr-3777	41	13	,	,	PUNCT
fsr-3777	41	14	and	and	CCONJ
fsr-3777	41	15	section	section	NOUN
fsr-3777	41	16	v	v	NOUN
fsr-3777	41	17	presents	present	VERB
fsr-3777	41	18	empirical	empirical	ADJ
fsr-3777	41	19	evidence	evidence	NOUN
fsr-3777	41	20	of	of	ADP
fsr-3777	41	21	the	the	DET
fsr-3777	41	22	relationships	relationship	NOUN
fsr-3777	41	23	between	between	ADP
fsr-3777	41	24	debtors	debtor	NOUN
fsr-3777	41	25	’	’	PART
fsr-3777	41	26	behavior	behavior	NOUN
fsr-3777	41	27	before	before	ADP
fsr-3777	41	28	and	and	CCONJ
fsr-3777	41	29	after	after	ADP
fsr-3777	41	30	default	default	NOUN
fsr-3777	41	31	and	and	CCONJ
fsr-3777	41	32	the	the	DET
fsr-3777	41	33	value	value	NOUN
fsr-3777	41	34	of	of	ADP
fsr-3777	41	35	their	their	PRON
fsr-3777	41	36	option	option	NOUN
fsr-3777	41	37	to	to	PART
fsr-3777	41	38	default	default	VERB
fsr-3777	41	39	.	.	PUNCT
fsr-3777	42	1	the	the	DET
fsr-3777	42	2	last	last	ADJ
fsr-3777	42	3	section	section	NOUN
fsr-3777	42	4	considers	consider	VERB
fsr-3777	42	5	the	the	DET
fsr-3777	42	6	implications	implication	NOUN
fsr-3777	42	7	of	of	ADP
fsr-3777	42	8	these	these	DET
fsr-3777	42	9	results	result	NOUN
fsr-3777	42	10	.	.	PUNCT
fsr-3777	43	1	credit	credit	NOUN
fsr-3777	43	2	cards	card	NOUN
fsr-3777	43	3	and	and	CCONJ
fsr-3777	43	4	the	the	DET
fsr-3777	43	5	option	option	NOUN
fsr-3777	43	6	to	to	PART
fsr-3777	43	7	default	default	VERB
fsr-3777	43	8	125	125	NUM
fsr-3777	43	9	ii	ii	NOUN
fsr-3777	43	10	.	.	PUNCT
fsr-3777	44	1	the	the	DET
fsr-3777	44	2	option	option	NOUN
fsr-3777	44	3	to	to	PART
fsr-3777	44	4	default	default	VERB
fsr-3777	44	5	a	a	DET
fsr-3777	44	6	debtor	debtor	NOUN
fsr-3777	44	7	with	with	ADP
fsr-3777	44	8	an	an	DET
fsr-3777	44	9	unsecured	unsecured	ADJ
fsr-3777	44	10	line	line	NOUN
fsr-3777	44	11	of	of	ADP
fsr-3777	44	12	credit	credit	NOUN
fsr-3777	44	13	has	have	VERB
fsr-3777	44	14	the	the	DET
fsr-3777	44	15	ability	ability	NOUN
fsr-3777	44	16	,	,	PUNCT
fsr-3777	44	17	at	at	ADP
fsr-3777	44	18	any	any	DET
fsr-3777	44	19	time	time	NOUN
fsr-3777	44	20	,	,	PUNCT
fsr-3777	44	21	to	to	PART
fsr-3777	44	22	default	default	VERB
fsr-3777	44	23	on	on	ADP
fsr-3777	44	24	the	the	DET
fsr-3777	44	25	contract	contract	NOUN
fsr-3777	44	26	.	.	PUNCT
fsr-3777	45	1	the	the	DET
fsr-3777	45	2	debtor	debtor	NOUN
fsr-3777	45	3	has	have	VERB
fsr-3777	45	4	an	an	DET
fsr-3777	45	5	option	option	NOUN
fsr-3777	45	6	to	to	PART
fsr-3777	45	7	“	"	PUNCT
fsr-3777	45	8	buy	buy	VERB
fsr-3777	45	9	”	"	PUNCT
fsr-3777	45	10	the	the	DET
fsr-3777	45	11	outstanding	outstanding	ADJ
fsr-3777	45	12	credit	credit	NOUN
fsr-3777	45	13	obligation	obligation	NOUN
fsr-3777	45	14	from	from	ADP
fsr-3777	45	15	the	the	DET
fsr-3777	45	16	creditor	creditor	NOUN
fsr-3777	45	17	at	at	ADP
fsr-3777	45	18	a	a	DET
fsr-3777	45	19	cost	cost	NOUN
fsr-3777	45	20	equal	equal	ADJ
fsr-3777	45	21	to	to	ADP
fsr-3777	45	22	the	the	DET
fsr-3777	45	23	amount	amount	NOUN
fsr-3777	45	24	of	of	ADP
fsr-3777	45	25	cash	cash	NOUN
fsr-3777	45	26	the	the	DET
fsr-3777	45	27	debtor	debtor	NOUN
fsr-3777	45	28	voluntarily	voluntarily	ADV
fsr-3777	45	29	repays	repay	VERB
fsr-3777	45	30	or	or	CCONJ
fsr-3777	45	31	that	that	SCONJ
fsr-3777	45	32	the	the	DET
fsr-3777	45	33	creditor	creditor	NOUN
fsr-3777	45	34	is	be	AUX
fsr-3777	45	35	able	able	ADJ
fsr-3777	45	36	to	to	PART
fsr-3777	45	37	collect	collect	VERB
fsr-3777	45	38	through	through	ADP
fsr-3777	45	39	various	various	ADJ
fsr-3777	45	40	legally	legally	ADV
fsr-3777	45	41	defined	define	VERB
fsr-3777	45	42	collection	collection	NOUN
fsr-3777	45	43	remedies	remedy	NOUN
fsr-3777	45	44	.	.	PUNCT
fsr-3777	46	1	these	these	DET
fsr-3777	46	2	remedies	remedy	NOUN
fsr-3777	46	3	include	include	VERB
fsr-3777	46	4	actions	action	NOUN
fsr-3777	46	5	against	against	ADP
fsr-3777	46	6	the	the	DET
fsr-3777	46	7	assets	asset	NOUN
fsr-3777	46	8	or	or	CCONJ
fsr-3777	46	9	future	future	ADJ
fsr-3777	46	10	income	income	NOUN
fsr-3777	46	11	of	of	ADP
fsr-3777	46	12	the	the	DET
fsr-3777	46	13	cardholder	cardholder	NOUN
fsr-3777	46	14	.	.	PUNCT
fsr-3777	47	1	in	in	ADP
fsr-3777	47	2	addition	addition	NOUN
fsr-3777	47	3	to	to	ADP
fsr-3777	47	4	any	any	DET
fsr-3777	47	5	cash	cash	NOUN
fsr-3777	47	6	voluntarily	voluntarily	ADV
fsr-3777	47	7	forfeited	forfeit	VERB
fsr-3777	47	8	or	or	CCONJ
fsr-3777	47	9	recovered	recover	VERB
fsr-3777	47	10	through	through	ADP
fsr-3777	47	11	the	the	DET
fsr-3777	47	12	creditor	creditor	NOUN
fsr-3777	47	13	’s	’s	PART
fsr-3777	47	14	collection	collection	NOUN
fsr-3777	47	15	actions	action	NOUN
fsr-3777	47	16	,	,	PUNCT
fsr-3777	47	17	the	the	DET
fsr-3777	47	18	debtor	debtor	NOUN
fsr-3777	47	19	bears	bear	VERB
fsr-3777	47	20	other	other	ADJ
fsr-3777	47	21	costs	cost	NOUN
fsr-3777	47	22	of	of	ADP
fsr-3777	47	23	default	default	NOUN
fsr-3777	47	24	such	such	ADJ
fsr-3777	47	25	as	as	ADP
fsr-3777	47	26	damage	damage	NOUN
fsr-3777	47	27	to	to	ADP
fsr-3777	47	28	his	his	PRON
fsr-3777	47	29	or	or	CCONJ
fsr-3777	47	30	her	her	PRON
fsr-3777	47	31	credit	credit	NOUN
fsr-3777	47	32	rating	rating	NOUN
fsr-3777	47	33	and	and	CCONJ
fsr-3777	47	34	reduced	reduced	ADJ
fsr-3777	47	35	access	access	NOUN
fsr-3777	47	36	to	to	ADP
fsr-3777	47	37	unsecured	unsecured	ADJ
fsr-3777	47	38	credit	credit	NOUN
fsr-3777	47	39	in	in	ADP
fsr-3777	47	40	the	the	DET
fsr-3777	47	41	future	future	NOUN
fsr-3777	47	42	.	.	PUNCT
fsr-3777	48	1	as	as	SCONJ
fsr-3777	48	2	credit	credit	NOUN
fsr-3777	48	3	records	record	NOUN
fsr-3777	48	4	are	be	AUX
fsr-3777	48	5	considered	consider	VERB
fsr-3777	48	6	not	not	PART
fsr-3777	48	7	only	only	ADV
fsr-3777	48	8	in	in	ADP
fsr-3777	48	9	the	the	DET
fsr-3777	48	10	extension	extension	NOUN
fsr-3777	48	11	of	of	ADP
fsr-3777	48	12	future	future	ADJ
fsr-3777	48	13	credit	credit	NOUN
fsr-3777	48	14	but	but	CCONJ
fsr-3777	48	15	also	also	ADV
fsr-3777	48	16	in	in	ADP
fsr-3777	48	17	applications	application	NOUN
fsr-3777	48	18	to	to	PART
fsr-3777	48	19	rent	rent	VERB
fsr-3777	48	20	a	a	DET
fsr-3777	48	21	home	home	NOUN
fsr-3777	48	22	,	,	PUNCT
fsr-3777	48	23	buy	buy	VERB
fsr-3777	48	24	insurance	insurance	NOUN
fsr-3777	48	25	,	,	PUNCT
fsr-3777	48	26	or	or	CCONJ
fsr-3777	48	27	seek	seek	VERB
fsr-3777	48	28	employment	employment	NOUN
fsr-3777	48	29	,	,	PUNCT
fsr-3777	48	30	these	these	DET
fsr-3777	48	31	costs	cost	NOUN
fsr-3777	48	32	should	should	AUX
fsr-3777	48	33	be	be	AUX
fsr-3777	48	34	nontrivial	nontrivial	ADJ
fsr-3777	48	35	in	in	ADP
fsr-3777	48	36	the	the	DET
fsr-3777	48	37	debtor	debtor	NOUN
fsr-3777	48	38	’s	’s	PART
fsr-3777	48	39	decision	decision	NOUN
fsr-3777	48	40	process	process	NOUN
fsr-3777	48	41	.	.	PUNCT
fsr-3777	49	1	the	the	DET
fsr-3777	49	2	difference	difference	NOUN
fsr-3777	49	3	between	between	ADP
fsr-3777	49	4	the	the	DET
fsr-3777	49	5	amount	amount	NOUN
fsr-3777	49	6	of	of	ADP
fsr-3777	49	7	credit	credit	NOUN
fsr-3777	49	8	outstanding	outstanding	ADJ
fsr-3777	49	9	on	on	ADP
fsr-3777	49	10	the	the	DET
fsr-3777	49	11	defaulted	defaulted	ADJ
fsr-3777	49	12	line	line	NOUN
fsr-3777	49	13	of	of	ADP
fsr-3777	49	14	credit	credit	NOUN
fsr-3777	49	15	and	and	CCONJ
fsr-3777	49	16	the	the	DET
fsr-3777	49	17	present	present	ADJ
fsr-3777	49	18	value	value	NOUN
fsr-3777	49	19	of	of	ADP
fsr-3777	49	20	all	all	DET
fsr-3777	49	21	expected	expect	VERB
fsr-3777	49	22	cash	cash	NOUN
fsr-3777	49	23	and	and	CCONJ
fsr-3777	49	24	reputation	reputation	NOUN
fsr-3777	49	25	costs	cost	NOUN
fsr-3777	49	26	of	of	ADP
fsr-3777	49	27	default	default	NOUN
fsr-3777	49	28	is	be	AUX
fsr-3777	49	29	the	the	DET
fsr-3777	49	30	value	value	NOUN
fsr-3777	49	31	of	of	ADP
fsr-3777	49	32	the	the	DET
fsr-3777	49	33	default	default	NOUN
fsr-3777	49	34	option	option	NOUN
fsr-3777	49	35	held	hold	VERB
fsr-3777	49	36	by	by	ADP
fsr-3777	49	37	the	the	DET
fsr-3777	49	38	debtor	debtor	NOUN
fsr-3777	49	39	for	for	ADP
fsr-3777	49	40	each	each	DET
fsr-3777	49	41	unsecured	unsecured	ADJ
fsr-3777	49	42	credit	credit	NOUN
fsr-3777	49	43	line	line	NOUN
fsr-3777	49	44	.	.	PUNCT
fsr-3777	50	1	a.	a.	NOUN
fsr-3777	50	2	creditor	creditor	PROPN
fsr-3777	50	3	’s	’s	PART
fsr-3777	50	4	rights	right	NOUN
fsr-3777	50	5	and	and	CCONJ
fsr-3777	50	6	the	the	DET
fsr-3777	50	7	debtor	debtor	NOUN
fsr-3777	50	8	’s	’s	PART
fsr-3777	50	9	choice	choice	NOUN
fsr-3777	50	10	a	a	PRON
fsr-3777	50	11	priori	priori	ADV
fsr-3777	50	12	,	,	PUNCT
fsr-3777	50	13	the	the	DET
fsr-3777	50	14	expected	expect	VERB
fsr-3777	50	15	value	value	NOUN
fsr-3777	50	16	of	of	ADP
fsr-3777	50	17	the	the	DET
fsr-3777	50	18	debtor	debtor	NOUN
fsr-3777	50	19	’s	’s	PART
fsr-3777	50	20	option	option	NOUN
fsr-3777	50	21	to	to	PART
fsr-3777	50	22	default	default	VERB
fsr-3777	50	23	on	on	ADP
fsr-3777	50	24	an	an	DET
fsr-3777	50	25	unsecured	unsecured	ADJ
fsr-3777	50	26	credit	credit	NOUN
fsr-3777	50	27	obligation	obligation	NOUN
fsr-3777	50	28	is	be	AUX
fsr-3777	50	29	a	a	DET
fsr-3777	50	30	function	function	NOUN
fsr-3777	50	31	of	of	ADP
fsr-3777	50	32	the	the	DET
fsr-3777	50	33	collection	collection	NOUN
fsr-3777	50	34	efforts	effort	NOUN
fsr-3777	50	35	the	the	DET
fsr-3777	50	36	creditor	creditor	NOUN
fsr-3777	50	37	is	be	AUX
fsr-3777	50	38	expected	expect	VERB
fsr-3777	50	39	to	to	PART
fsr-3777	50	40	pursue	pursue	VERB
fsr-3777	50	41	.	.	PUNCT
fsr-3777	51	1	these	these	DET
fsr-3777	51	2	efforts	effort	NOUN
fsr-3777	51	3	are	be	AUX
fsr-3777	51	4	,	,	PUNCT
fsr-3777	51	5	in	in	ADP
fsr-3777	51	6	turn	turn	NOUN
fsr-3777	51	7	,	,	PUNCT
fsr-3777	51	8	a	a	DET
fsr-3777	51	9	function	function	NOUN
fsr-3777	51	10	of	of	ADP
fsr-3777	51	11	the	the	DET
fsr-3777	51	12	manner	manner	NOUN
fsr-3777	51	13	in	in	ADP
fsr-3777	51	14	which	which	PRON
fsr-3777	51	15	the	the	DET
fsr-3777	51	16	debtor	debtor	NOUN
fsr-3777	51	17	chooses	choose	VERB
fsr-3777	51	18	to	to	ADP
fsr-3777	51	19	default	default	NOUN
fsr-3777	51	20	.	.	PUNCT
fsr-3777	52	1	it	it	PRON
fsr-3777	52	2	is	be	AUX
fsr-3777	52	3	the	the	DET
fsr-3777	52	4	debtor	debtor	NOUN
fsr-3777	52	5	’s	’s	PART
fsr-3777	52	6	choice	choice	NOUN
fsr-3777	52	7	to	to	PART
fsr-3777	52	8	default	default	VERB
fsr-3777	52	9	outright	outright	ADV
fsr-3777	52	10	or	or	CCONJ
fsr-3777	52	11	to	to	PART
fsr-3777	52	12	file	file	VERB
fsr-3777	52	13	for	for	ADP
fsr-3777	52	14	bankruptcy	bankruptcy	NOUN
fsr-3777	52	15	.	.	PUNCT
fsr-3777	53	1	furthermore	furthermore	ADV
fsr-3777	53	2	,	,	PUNCT
fsr-3777	53	3	it	it	PRON
fsr-3777	53	4	is	be	AUX
fsr-3777	53	5	the	the	DET
fsr-3777	53	6	debtor	debtor	NOUN
fsr-3777	53	7	’s	’s	PART
fsr-3777	53	8	choice	choice	NOUN
fsr-3777	53	9	to	to	PART
fsr-3777	53	10	file	file	VERB
fsr-3777	53	11	under	under	ADP
fsr-3777	53	12	chapter	chapter	NOUN
fsr-3777	53	13	7	7	NUM
fsr-3777	53	14	or	or	CCONJ
fsr-3777	53	15	chapter	chapter	NOUN
fsr-3777	53	16	13	13	NUM
fsr-3777	53	17	of	of	ADP
fsr-3777	53	18	the	the	DET
fsr-3777	53	19	u.s	u.s	PROPN
fsr-3777	53	20	.	.	PROPN
fsr-3777	53	21	bankruptcy	bankruptcy	PROPN
fsr-3777	53	22	code	code	PROPN
fsr-3777	53	23	.	.	PUNCT
fsr-3777	54	1	once	once	SCONJ
fsr-3777	54	2	the	the	DET
fsr-3777	54	3	debtor	debtor	NOUN
fsr-3777	54	4	has	have	AUX
fsr-3777	54	5	made	make	VERB
fsr-3777	54	6	these	these	DET
fsr-3777	54	7	choices	choice	NOUN
fsr-3777	54	8	,	,	PUNCT
fsr-3777	54	9	then	then	ADV
fsr-3777	54	10	state	state	NOUN
fsr-3777	54	11	and	and	CCONJ
fsr-3777	54	12	federal	federal	ADJ
fsr-3777	54	13	laws	law	NOUN
fsr-3777	54	14	defining	define	VERB
fsr-3777	54	15	creditors	creditor	NOUN
fsr-3777	54	16	’	'	PUNCT
fsr-3777	54	17	legal	legal	ADJ
fsr-3777	54	18	access	access	NOUN
fsr-3777	54	19	to	to	ADP
fsr-3777	54	20	the	the	DET
fsr-3777	54	21	debtor	debtor	NOUN
fsr-3777	54	22	’s	’s	PART
fsr-3777	54	23	assets	asset	NOUN
fsr-3777	54	24	or	or	CCONJ
fsr-3777	54	25	future	future	ADJ
fsr-3777	54	26	income	income	NOUN
fsr-3777	54	27	,	,	PUNCT
fsr-3777	54	28	and	and	CCONJ
fsr-3777	54	29	the	the	DET
fsr-3777	54	30	actions	action	NOUN
fsr-3777	54	31	in	in	ADP
fsr-3777	54	32	which	which	PRON
fsr-3777	54	33	the	the	DET
fsr-3777	54	34	creditor	creditor	NOUN
fsr-3777	54	35	chooses	choose	VERB
fsr-3777	54	36	to	to	PART
fsr-3777	54	37	engage	engage	VERB
fsr-3777	54	38	,	,	PUNCT
fsr-3777	54	39	ultimately	ultimately	ADV
fsr-3777	54	40	determine	determine	VERB
fsr-3777	54	41	the	the	DET
fsr-3777	54	42	value	value	NOUN
fsr-3777	54	43	of	of	ADP
fsr-3777	54	44	the	the	DET
fsr-3777	54	45	default	default	NOUN
fsr-3777	54	46	option	option	NOUN
fsr-3777	54	47	.	.	PUNCT
fsr-3777	55	1	b.	b.	NOUN
fsr-3777	55	2	default	default	NOUN
fsr-3777	55	3	and	and	CCONJ
fsr-3777	55	4	wage	wage	NOUN
fsr-3777	55	5	garnishment	garnishment	NOUN
fsr-3777	55	6	debtors	debtor	NOUN
fsr-3777	55	7	in	in	ADP
fsr-3777	55	8	trouble	trouble	NOUN
fsr-3777	55	9	typically	typically	ADV
fsr-3777	55	10	default	default	VERB
fsr-3777	55	11	outright	outright	ADV
fsr-3777	55	12	on	on	ADP
fsr-3777	55	13	their	their	PRON
fsr-3777	55	14	unsecured	unsecured	ADJ
fsr-3777	55	15	credit	credit	NOUN
fsr-3777	55	16	obligations	obligation	NOUN
fsr-3777	55	17	after	after	ADP
fsr-3777	55	18	an	an	DET
fsr-3777	55	19	extended	extended	ADJ
fsr-3777	55	20	period	period	NOUN
fsr-3777	55	21	of	of	ADP
fsr-3777	55	22	delinquency	delinquency	NOUN
fsr-3777	55	23	,	,	PUNCT
fsr-3777	55	24	an	an	DET
fsr-3777	55	25	action	action	NOUN
fsr-3777	55	26	which	which	PRON
fsr-3777	55	27	is	be	AUX
fsr-3777	55	28	recognized	recognize	VERB
fsr-3777	55	29	by	by	ADP
fsr-3777	55	30	the	the	DET
fsr-3777	55	31	formal	formal	ADJ
fsr-3777	55	32	charging	charging	NOUN
fsr-3777	55	33	off	off	ADP
fsr-3777	55	34	of	of	ADP
fsr-3777	55	35	the	the	DET
fsr-3777	55	36	account	account	NOUN
fsr-3777	55	37	by	by	ADP
fsr-3777	55	38	the	the	DET
fsr-3777	55	39	creditor	creditor	NOUN
fsr-3777	55	40	.	.	PUNCT
fsr-3777	56	1	following	follow	VERB
fsr-3777	56	2	charge	charge	NOUN
fsr-3777	56	3	off	off	ADP
fsr-3777	56	4	,	,	PUNCT
fsr-3777	56	5	the	the	DET
fsr-3777	56	6	creditor	creditor	NOUN
fsr-3777	56	7	may	may	AUX
fsr-3777	56	8	engage	engage	VERB
fsr-3777	56	9	in	in	ADP
fsr-3777	56	10	various	various	ADJ
fsr-3777	56	11	activities	activity	NOUN
fsr-3777	56	12	to	to	PART
fsr-3777	56	13	collect	collect	VERB
fsr-3777	56	14	the	the	DET
fsr-3777	56	15	account	account	NOUN
fsr-3777	56	16	balance	balance	NOUN
fsr-3777	56	17	,	,	PUNCT
fsr-3777	56	18	including	include	VERB
fsr-3777	56	19	the	the	DET
fsr-3777	56	20	legal	legal	ADJ
fsr-3777	56	21	attachment	attachment	NOUN
fsr-3777	56	22	of	of	ADP
fsr-3777	56	23	the	the	DET
fsr-3777	56	24	debtor	debtor	NOUN
fsr-3777	56	25	’s	’s	PART
fsr-3777	56	26	future	future	ADJ
fsr-3777	56	27	earnings	earning	NOUN
fsr-3777	56	28	through	through	ADP
fsr-3777	56	29	garnishment	garnishment	NOUN
fsr-3777	56	30	.	.	PUNCT
fsr-3777	57	1	in	in	ADP
fsr-3777	57	2	garnishment	garnishment	NOUN
fsr-3777	57	3	,	,	PUNCT
fsr-3777	57	4	the	the	DET
fsr-3777	57	5	creditor	creditor	NOUN
fsr-3777	57	6	applies	apply	VERB
fsr-3777	57	7	for	for	ADP
fsr-3777	57	8	and	and	CCONJ
fsr-3777	57	9	receives	receive	VERB
fsr-3777	57	10	court	court	NOUN
fsr-3777	57	11	approval	approval	NOUN
fsr-3777	57	12	to	to	PART
fsr-3777	57	13	attach	attach	VERB
fsr-3777	57	14	a	a	DET
fsr-3777	57	15	portion	portion	NOUN
fsr-3777	57	16	of	of	ADP
fsr-3777	57	17	the	the	DET
fsr-3777	57	18	debtor	debtor	NOUN
fsr-3777	57	19	’s	’s	PART
fsr-3777	57	20	paycheck	paycheck	NOUN
fsr-3777	57	21	to	to	PART
fsr-3777	57	22	retire	retire	VERB
fsr-3777	57	23	the	the	DET
fsr-3777	57	24	debt	debt	NOUN
fsr-3777	57	25	.	.	PUNCT
fsr-3777	58	1	the	the	DET
fsr-3777	58	2	availability	availability	NOUN
fsr-3777	58	3	of	of	ADP
fsr-3777	58	4	garnishment	garnishment	NOUN
fsr-3777	58	5	and	and	CCONJ
fsr-3777	58	6	the	the	DET
fsr-3777	58	7	amount	amount	NOUN
fsr-3777	58	8	of	of	ADP
fsr-3777	58	9	wages	wage	NOUN
fsr-3777	58	10	that	that	PRON
fsr-3777	58	11	may	may	AUX
fsr-3777	58	12	be	be	AUX
fsr-3777	58	13	garnished	garnish	VERB
fsr-3777	58	14	are	be	AUX
fsr-3777	58	15	conditions	condition	NOUN
fsr-3777	58	16	established	establish	VERB
fsr-3777	58	17	by	by	ADP
fsr-3777	58	18	federal	federal	ADJ
fsr-3777	58	19	and	and	CCONJ
fsr-3777	58	20	state	state	NOUN
fsr-3777	58	21	law	law	NOUN
fsr-3777	58	22	and	and	CCONJ
fsr-3777	58	23	vary	vary	VERB
fsr-3777	58	24	somewhat	somewhat	ADV
fsr-3777	58	25	across	across	ADP
fsr-3777	58	26	states	state	NOUN
fsr-3777	58	27	.	.	PUNCT
fsr-3777	59	1	the	the	DET
fsr-3777	59	2	consumer	consumer	NOUN
fsr-3777	59	3	credit	credit	NOUN
fsr-3777	59	4	protection	protection	NOUN
fsr-3777	59	5	act	act	NOUN
fsr-3777	59	6	is	be	AUX
fsr-3777	59	7	a	a	DET
fsr-3777	59	8	federal	federal	ADJ
fsr-3777	59	9	law	law	NOUN
fsr-3777	59	10	that	that	PRON
fsr-3777	59	11	provides	provide	VERB
fsr-3777	59	12	guidelines	guideline	NOUN
fsr-3777	59	13	restricting	restrict	VERB
fsr-3777	59	14	the	the	DET
fsr-3777	59	15	extent	extent	NOUN
fsr-3777	59	16	to	to	PART
fsr-3777	59	17	which	which	PRON
fsr-3777	59	18	a	a	DET
fsr-3777	59	19	debtor	debtor	NOUN
fsr-3777	59	20	’s	’s	PART
fsr-3777	59	21	wages	wage	NOUN
fsr-3777	59	22	may	may	AUX
fsr-3777	59	23	be	be	AUX
fsr-3777	59	24	garnished	garnish	VERB
fsr-3777	59	25	to	to	PART
fsr-3777	59	26	satisfy	satisfy	VERB
fsr-3777	59	27	consumer	consumer	NOUN
fsr-3777	59	28	credit	credit	NOUN
fsr-3777	59	29	claims	claim	NOUN
fsr-3777	59	30	.	.	PUNCT
fsr-3777	60	1	some	some	DET
fsr-3777	60	2	states	state	NOUN
fsr-3777	60	3	have	have	VERB
fsr-3777	60	4	rules	rule	NOUN
fsr-3777	60	5	that	that	PRON
fsr-3777	60	6	limit	limit	VERB
fsr-3777	60	7	the	the	DET
fsr-3777	60	8	garnishment	garnishment	NOUN
fsr-3777	60	9	of	of	ADP
fsr-3777	60	10	wages	wage	NOUN
fsr-3777	60	11	further	far	ADV
fsr-3777	60	12	,	,	PUNCT
fsr-3777	60	13	even	even	ADV
fsr-3777	60	14	to	to	ADP
fsr-3777	60	15	the	the	DET
fsr-3777	60	16	point	point	NOUN
fsr-3777	60	17	that	that	SCONJ
fsr-3777	60	18	it	it	PRON
fsr-3777	60	19	is	be	AUX
fsr-3777	60	20	prohibited	prohibit	VERB
fsr-3777	60	21	for	for	ADP
fsr-3777	60	22	the	the	DET
fsr-3777	60	23	repayment	repayment	NOUN
fsr-3777	60	24	of	of	ADP
fsr-3777	60	25	consumer	consumer	NOUN
fsr-3777	60	26	credit	credit	NOUN
fsr-3777	60	27	claims.2	claims.2	PROPN
fsr-3777	60	28	garnishment	garnishment	NOUN
fsr-3777	60	29	is	be	AUX
fsr-3777	60	30	a	a	DET
fsr-3777	60	31	powerful	powerful	ADJ
fsr-3777	60	32	remedy	remedy	NOUN
fsr-3777	60	33	and	and	CCONJ
fsr-3777	60	34	,	,	PUNCT
fsr-3777	60	35	when	when	SCONJ
fsr-3777	60	36	used	use	VERB
fsr-3777	60	37	,	,	PUNCT
fsr-3777	60	38	may	may	AUX
fsr-3777	60	39	substan	substan	VERB
fsr-3777	60	40	tially	tially	ADV
fsr-3777	60	41	reduce	reduce	VERB
fsr-3777	60	42	the	the	DET
fsr-3777	60	43	expected	expect	VERB
fsr-3777	60	44	value	value	NOUN
fsr-3777	60	45	of	of	ADP
fsr-3777	60	46	the	the	DET
fsr-3777	60	47	debtor	debtor	NOUN
fsr-3777	60	48	’s	’s	PART
fsr-3777	60	49	default	default	NOUN
fsr-3777	60	50	option	option	NOUN
fsr-3777	60	51	.	.	PUNCT
fsr-3777	61	1	c.	c.	NOUN
fsr-3777	61	2	bankruptcy	bankruptcy	PROPN
fsr-3777	61	3	-	-	PUNCT
fsr-3777	61	4	chapter	chapter	NOUN
fsr-3777	61	5	7	7	NUM
fsr-3777	61	6	versus	versus	ADP
fsr-3777	61	7	chapter	chapter	NOUN
fsr-3777	61	8	13	13	NUM
fsr-3777	61	9	instead	instead	ADV
fsr-3777	61	10	of	of	ADP
fsr-3777	61	11	defaulting	default	VERB
fsr-3777	61	12	and	and	CCONJ
fsr-3777	61	13	risking	risk	VERB
fsr-3777	61	14	wage	wage	NOUN
fsr-3777	61	15	garnishment	garnishment	NOUN
fsr-3777	61	16	,	,	PUNCT
fsr-3777	61	17	individuals	individual	NOUN
fsr-3777	61	18	may	may	AUX
fsr-3777	61	19	petition	petition	VERB
fsr-3777	61	20	the	the	DET
fsr-3777	61	21	bankruptcy	bankruptcy	NOUN
fsr-3777	61	22	court	court	NOUN
fsr-3777	61	23	for	for	ADP
fsr-3777	61	24	protection	protection	NOUN
fsr-3777	61	25	from	from	ADP
fsr-3777	61	26	creditors	creditor	NOUN
fsr-3777	61	27	’	'	PUNCT
fsr-3777	61	28	collection	collection	NOUN
fsr-3777	61	29	actions	action	NOUN
fsr-3777	61	30	and	and	CCONJ
fsr-3777	61	31	for	for	ADP
fsr-3777	61	32	access	access	NOUN
fsr-3777	61	33	to	to	ADP
fsr-3777	61	34	processes	process	NOUN
fsr-3777	61	35	for	for	ADP
fsr-3777	61	36	having	have	VERB
fsr-3777	61	37	unsecured	unsecured	ADJ
fsr-3777	61	38	debts	debt	NOUN
fsr-3777	61	39	reorganized	reorganize	VERB
fsr-3777	61	40	or	or	CCONJ
fsr-3777	61	41	legally	legally	ADV
fsr-3777	61	42	discharged	discharge	VERB
fsr-3777	61	43	.	.	PUNCT
fsr-3777	62	1	in	in	ADP
fsr-3777	62	2	the	the	DET
fsr-3777	62	3	event	event	NOUN
fsr-3777	62	4	that	that	SCONJ
fsr-3777	62	5	the	the	DET
fsr-3777	62	6	debtor	debtor	NOUN
fsr-3777	62	7	126	126	NUM
fsr-3777	62	8	financial	financial	ADJ
fsr-3777	62	9	services	service	NOUN
fsr-3777	62	10	review	review	NOUN
fsr-3777	62	11	4(2	4(2	NUM
fsr-3777	62	12	)	)	PUNCT
fsr-3777	62	13	1995	1995	NUM
fsr-3777	62	14	files	file	NOUN
fsr-3777	62	15	bankruptcy	bankruptcy	NOUN
fsr-3777	62	16	,	,	PUNCT
fsr-3777	62	17	all	all	DET
fsr-3777	62	18	collection	collection	NOUN
fsr-3777	62	19	efforts	effort	NOUN
fsr-3777	62	20	including	include	VERB
fsr-3777	62	21	,	,	PUNCT
fsr-3777	62	22	garnishment	garnishment	NOUN
fsr-3777	62	23	are	be	AUX
fsr-3777	62	24	automatically	automatically	ADV
fsr-3777	62	25	stayed	stay	VERB
fsr-3777	62	26	by	by	ADP
fsr-3777	62	27	court	court	NOUN
fsr-3777	62	28	rule	rule	NOUN
fsr-3777	62	29	.	.	PUNCT
fsr-3777	63	1	most	most	ADJ
fsr-3777	63	2	types	type	NOUN
fsr-3777	63	3	of	of	ADP
fsr-3777	63	4	unsecured	unsecured	ADJ
fsr-3777	63	5	debt	debt	NOUN
fsr-3777	63	6	are	be	AUX
fsr-3777	63	7	eligible	eligible	ADJ
fsr-3777	63	8	for	for	ADP
fsr-3777	63	9	discharge	discharge	NOUN
fsr-3777	63	10	in	in	ADP
fsr-3777	63	11	bankruptcy	bankruptcy	NOUN
fsr-3777	63	12	,	,	PUNCT
fsr-3777	63	13	with	with	ADP
fsr-3777	63	14	the	the	DET
fsr-3777	63	15	exception	exception	NOUN
fsr-3777	63	16	of	of	ADP
fsr-3777	63	17	federal	federal	ADJ
fsr-3777	63	18	tax	tax	NOUN
fsr-3777	63	19	obligations	obligation	NOUN
fsr-3777	63	20	,	,	PUNCT
fsr-3777	63	21	debts	debt	NOUN
fsr-3777	63	22	incurred	incur	VERB
fsr-3777	63	23	for	for	ADP
fsr-3777	63	24	the	the	DET
fsr-3777	63	25	payment	payment	NOUN
fsr-3777	63	26	of	of	ADP
fsr-3777	63	27	federal	federal	ADJ
fsr-3777	63	28	tax	tax	NOUN
fsr-3777	63	29	obligations	obligation	NOUN
fsr-3777	63	30	,	,	PUNCT
fsr-3777	63	31	child	child	NOUN
fsr-3777	63	32	support	support	NOUN
fsr-3777	63	33	payments	payment	NOUN
fsr-3777	63	34	,	,	PUNCT
fsr-3777	63	35	and	and	CCONJ
fsr-3777	63	36	debts	debt	NOUN
fsr-3777	63	37	incurred	incur	VERB
fsr-3777	63	38	by	by	ADP
fsr-3777	63	39	fraud	fraud	NOUN
fsr-3777	63	40	or	or	CCONJ
fsr-3777	63	41	in	in	ADP
fsr-3777	63	42	anticipation	anticipation	NOUN
fsr-3777	63	43	of	of	ADP
fsr-3777	63	44	bankruptcy	bankruptcy	NOUN
fsr-3777	63	45	.	.	PUNCT
fsr-3777	64	1	in	in	ADP
fsr-3777	64	2	particular	particular	ADJ
fsr-3777	64	3	,	,	PUNCT
fsr-3777	64	4	credit	credit	NOUN
fsr-3777	64	5	card	card	NOUN
fsr-3777	64	6	charges	charge	NOUN
fsr-3777	64	7	for	for	ADP
fsr-3777	64	8	luxury	luxury	NOUN
fsr-3777	64	9	goods	good	NOUN
fsr-3777	64	10	and	and	CCONJ
fsr-3777	64	11	services	service	NOUN
fsr-3777	64	12	or	or	CCONJ
fsr-3777	64	13	cash	cash	NOUN
fsr-3777	64	14	advances	advance	NOUN
fsr-3777	64	15	in	in	ADP
fsr-3777	64	16	excess	excess	NOUN
fsr-3777	64	17	of	of	ADP
fsr-3777	64	18	$	$	SYM
fsr-3777	64	19	1,000	1,000	NUM
fsr-3777	64	20	and	and	CCONJ
fsr-3777	64	21	incurred	incur	VERB
fsr-3777	64	22	within	within	ADP
fsr-3777	64	23	60	60	NUM
fsr-3777	64	24	days	day	NOUN
fsr-3777	64	25	of	of	ADP
fsr-3777	64	26	the	the	DET
fsr-3777	64	27	bankruptcy	bankruptcy	NOUN
fsr-3777	64	28	filing	filing	NOUN
fsr-3777	64	29	are	be	AUX
fsr-3777	64	30	not	not	PART
fsr-3777	64	31	dischargable	dischargable	ADJ
fsr-3777	64	32	.	.	PUNCT
fsr-3777	65	1	the	the	DET
fsr-3777	65	2	bankruptcy	bankruptcy	NOUN
fsr-3777	65	3	code	code	NOUN
fsr-3777	65	4	provides	provide	VERB
fsr-3777	65	5	that	that	SCONJ
fsr-3777	65	6	unsecured	unsecured	ADJ
fsr-3777	65	7	debts	debt	NOUN
fsr-3777	65	8	not	not	PART
fsr-3777	65	9	satisfied	satisfied	ADJ
fsr-3777	65	10	after	after	SCONJ
fsr-3777	65	11	the	the	DET
fsr-3777	65	12	payout	payout	NOUN
fsr-3777	65	13	of	of	ADP
fsr-3777	65	14	the	the	DET
fsr-3777	65	15	proceeds	proceed	NOUN
fsr-3777	65	16	from	from	ADP
fsr-3777	65	17	liquidation	liquidation	NOUN
fsr-3777	65	18	of	of	ADP
fsr-3777	65	19	nonexempt	nonexempt	ADJ
fsr-3777	65	20	assets	asset	NOUN
fsr-3777	65	21	in	in	ADP
fsr-3777	65	22	chapter	chapter	NOUN
fsr-3777	65	23	7	7	NUM
fsr-3777	65	24	may	may	AUX
fsr-3777	65	25	be	be	AUX
fsr-3777	65	26	discharged	discharge	VERB
fsr-3777	65	27	.	.	PUNCT
fsr-3777	66	1	unsecured	unsecured	ADJ
fsr-3777	66	2	debts	debt	NOUN
fsr-3777	66	3	not	not	PART
fsr-3777	66	4	covered	cover	VERB
fsr-3777	66	5	by	by	ADP
fsr-3777	66	6	a	a	DET
fsr-3777	66	7	threeto	threeto	ADJ
fsr-3777	66	8	five	five	NUM
fsr-3777	66	9	-	-	PUNCT
fsr-3777	66	10	year	year	NOUN
fsr-3777	66	11	repayment	repayment	NOUN
fsr-3777	66	12	plan	plan	NOUN
fsr-3777	66	13	based	base	VERB
fsr-3777	66	14	on	on	ADP
fsr-3777	66	15	the	the	DET
fsr-3777	66	16	debtor	debtor	NOUN
fsr-3777	66	17	’s	’s	PART
fsr-3777	66	18	anticipated	anticipate	VERB
fsr-3777	66	19	disposable	disposable	ADJ
fsr-3777	66	20	income	income	NOUN
fsr-3777	66	21	will	will	AUX
fsr-3777	66	22	be	be	AUX
fsr-3777	66	23	discharged	discharge	VERB
fsr-3777	66	24	in	in	ADP
fsr-3777	66	25	chapter	chapter	NOUN
fsr-3777	66	26	13	13	NUM
fsr-3777	66	27	.	.	PUNCT
fsr-3777	67	1	the	the	DET
fsr-3777	67	2	extent	extent	NOUN
fsr-3777	67	3	to	to	PART
fsr-3777	67	4	which	which	PRON
fsr-3777	67	5	the	the	DET
fsr-3777	67	6	debtor	debtor	NOUN
fsr-3777	67	7	’s	’s	PART
fsr-3777	67	8	assets	asset	NOUN
fsr-3777	67	9	are	be	AUX
fsr-3777	67	10	accessible	accessible	ADJ
fsr-3777	67	11	to	to	PART
fsr-3777	67	12	satisfy	satisfy	VERB
fsr-3777	67	13	unsecured	unsecured	ADJ
fsr-3777	67	14	creditors	creditor	NOUN
fsr-3777	67	15	’	'	PUNCT
fsr-3777	67	16	claims	claim	NOUN
fsr-3777	67	17	in	in	ADP
fsr-3777	67	18	bankruptcy	bankruptcy	NOUN
fsr-3777	67	19	is	be	AUX
fsr-3777	67	20	determined	determine	VERB
fsr-3777	67	21	by	by	ADP
fsr-3777	67	22	the	the	DET
fsr-3777	67	23	federal	federal	ADJ
fsr-3777	67	24	bankruptcy	bankruptcy	NOUN
fsr-3777	67	25	law	law	NOUN
fsr-3777	67	26	,	,	PUNCT
fsr-3777	67	27	unless	unless	SCONJ
fsr-3777	67	28	a	a	DET
fsr-3777	67	29	state	state	NOUN
fsr-3777	67	30	passes	pass	VERB
fsr-3777	67	31	overriding	override	VERB
fsr-3777	67	32	legislation	legislation	NOUN
fsr-3777	67	33	to	to	PART
fsr-3777	67	34	uniquely	uniquely	ADV
fsr-3777	67	35	define	define	VERB
fsr-3777	67	36	allowed	allow	VERB
fsr-3777	67	37	exemptions	exemption	NOUN
fsr-3777	67	38	.	.	PUNCT
fsr-3777	68	1	more	more	ADJ
fsr-3777	68	2	than	than	ADP
fsr-3777	68	3	half	half	NOUN
fsr-3777	68	4	of	of	ADP
fsr-3777	68	5	the	the	DET
fsr-3777	68	6	states	state	NOUN
fsr-3777	68	7	(	(	PUNCT
fsr-3777	68	8	35	35	NUM
fsr-3777	68	9	)	)	PUNCT
fsr-3777	68	10	have	have	AUX
fsr-3777	68	11	passed	pass	VERB
fsr-3777	68	12	overriding	override	VERB
fsr-3777	68	13	legislation	legislation	NOUN
fsr-3777	68	14	,	,	PUNCT
fsr-3777	68	15	with	with	SCONJ
fsr-3777	68	16	some	some	DET
fsr-3777	68	17	having	having	AUX
fsr-3777	68	18	defined	define	VERB
fsr-3777	68	19	asset	asset	NOUN
fsr-3777	68	20	exemption	exemption	NOUN
fsr-3777	68	21	allow	allow	VERB
fsr-3777	68	22	ances	ance	NOUN
fsr-3777	68	23	that	that	PRON
fsr-3777	68	24	are	be	AUX
fsr-3777	68	25	less	less	ADV
fsr-3777	68	26	generous	generous	ADJ
fsr-3777	68	27	than	than	ADP
fsr-3777	68	28	that	that	PRON
fsr-3777	68	29	provided	provide	VERB
fsr-3777	68	30	by	by	ADP
fsr-3777	68	31	the	the	DET
fsr-3777	68	32	u.s	u.s	PROPN
fsr-3777	68	33	.	.	PROPN
fsr-3777	68	34	bankruptcy	bankruptcy	NOUN
fsr-3777	68	35	code.3	code.3	PROPN
fsr-3777	69	1	holding	hold	VERB
fsr-3777	69	2	other	other	ADJ
fsr-3777	69	3	things	thing	NOUN
fsr-3777	69	4	constant	constant	ADJ
fsr-3777	69	5	,	,	PUNCT
fsr-3777	69	6	the	the	DET
fsr-3777	69	7	expected	expect	VERB
fsr-3777	69	8	value	value	NOUN
fsr-3777	69	9	of	of	ADP
fsr-3777	69	10	the	the	DET
fsr-3777	69	11	default	default	NOUN
fsr-3777	69	12	option	option	NOUN
fsr-3777	69	13	would	would	AUX
fsr-3777	69	14	be	be	AUX
fsr-3777	69	15	highest	high	ADJ
fsr-3777	69	16	in	in	ADP
fsr-3777	69	17	those	those	DET
fsr-3777	69	18	states	state	NOUN
fsr-3777	69	19	where	where	SCONJ
fsr-3777	69	20	a	a	DET
fsr-3777	69	21	high	high	ADJ
fsr-3777	69	22	value	value	NOUN
fsr-3777	69	23	of	of	ADP
fsr-3777	69	24	personal	personal	ADJ
fsr-3777	69	25	and	and	CCONJ
fsr-3777	69	26	household	household	NOUN
fsr-3777	69	27	assets	asset	NOUN
fsr-3777	69	28	is	be	AUX
fsr-3777	69	29	exempt	exempt	ADJ
fsr-3777	69	30	from	from	ADP
fsr-3777	69	31	liquidation	liquidation	NOUN
fsr-3777	69	32	.	.	PUNCT
fsr-3777	70	1	in	in	ADP
fsr-3777	70	2	a	a	DET
fsr-3777	70	3	chapter	chapter	NOUN
fsr-3777	70	4	13	13	NUM
fsr-3777	70	5	case	case	NOUN
fsr-3777	70	6	,	,	PUNCT
fsr-3777	70	7	the	the	DET
fsr-3777	70	8	bankruptcy	bankruptcy	NOUN
fsr-3777	70	9	code	code	NOUN
fsr-3777	70	10	provides	provide	VERB
fsr-3777	70	11	that	that	SCONJ
fsr-3777	70	12	the	the	DET
fsr-3777	70	13	amount	amount	NOUN
fsr-3777	70	14	repaid	repay	VERB
fsr-3777	70	15	to	to	ADP
fsr-3777	70	16	unsecured	unsecured	ADJ
fsr-3777	70	17	creditors	creditor	NOUN
fsr-3777	70	18	under	under	ADP
fsr-3777	70	19	the	the	DET
fsr-3777	70	20	proposed	propose	VERB
fsr-3777	70	21	repayment	repayment	NOUN
fsr-3777	70	22	plan	plan	NOUN
fsr-3777	70	23	must	must	AUX
fsr-3777	70	24	be	be	AUX
fsr-3777	70	25	at	at	ADV
fsr-3777	70	26	least	least	ADJ
fsr-3777	70	27	as	as	ADV
fsr-3777	70	28	great	great	ADJ
fsr-3777	70	29	as	as	SCONJ
fsr-3777	70	30	would	would	AUX
fsr-3777	70	31	be	be	AUX
fsr-3777	70	32	possible	possible	ADJ
fsr-3777	70	33	if	if	SCONJ
fsr-3777	70	34	the	the	DET
fsr-3777	70	35	debtor	debtor	NOUN
fsr-3777	70	36	’s	’s	PART
fsr-3777	70	37	nonexempt	nonexempt	ADJ
fsr-3777	70	38	assets	asset	NOUN
fsr-3777	70	39	were	be	AUX
fsr-3777	70	40	liquidated	liquidate	VERB
fsr-3777	70	41	in	in	ADP
fsr-3777	70	42	chapter	chapter	NOUN
fsr-3777	70	43	7	7	NUM
fsr-3777	70	44	.	.	PUNCT
fsr-3777	71	1	this	this	DET
fsr-3777	71	2	equivalency	equivalency	NOUN
fsr-3777	71	3	rule	rule	NOUN
fsr-3777	71	4	theoretically	theoretically	ADV
fsr-3777	71	5	makes	make	VERB
fsr-3777	71	6	the	the	DET
fsr-3777	71	7	debtor	debtor	NOUN
fsr-3777	71	8	with	with	ADP
fsr-3777	71	9	nonexempt	nonexempt	ADJ
fsr-3777	71	10	assets	asset	NOUN
fsr-3777	71	11	indifferent	indifferent	ADJ
fsr-3777	71	12	between	between	ADP
fsr-3777	71	13	chapter	chapter	NOUN
fsr-3777	71	14	7	7	NUM
fsr-3777	71	15	and	and	CCONJ
fsr-3777	71	16	chapter	chapter	NOUN
fsr-3777	71	17	13	13	NUM
fsr-3777	71	18	,	,	PUNCT
fsr-3777	71	19	holding	hold	VERB
fsr-3777	71	20	other	other	ADJ
fsr-3777	71	21	conditions	condition	NOUN
fsr-3777	71	22	constant	constant	ADJ
fsr-3777	71	23	.	.	PUNCT
fsr-3777	72	1	traditionally	traditionally	ADV
fsr-3777	72	2	,	,	PUNCT
fsr-3777	72	3	more	more	ADJ
fsr-3777	72	4	than	than	ADP
fsr-3777	72	5	70	70	NUM
fsr-3777	72	6	%	%	NOUN
fsr-3777	72	7	of	of	ADP
fsr-3777	72	8	non	non	ADJ
fsr-3777	72	9	-	-	ADJ
fsr-3777	72	10	business	business	ADJ
fsr-3777	72	11	petitions	petition	NOUN
fsr-3777	72	12	are	be	AUX
fsr-3777	72	13	filed	file	VERB
fsr-3777	72	14	under	under	ADP
fsr-3777	72	15	chapter	chapter	NOUN
fsr-3777	72	16	7	7	NUM
fsr-3777	72	17	.	.	PUNCT
fsr-3777	73	1	as	as	ADP
fsr-3777	73	2	a	a	DET
fsr-3777	73	3	reflection	reflection	NOUN
fsr-3777	73	4	of	of	ADP
fsr-3777	73	5	the	the	DET
fsr-3777	73	6	low	low	ADJ
fsr-3777	73	7	liquidation	liquidation	NOUN
fsr-3777	73	8	value	value	NOUN
fsr-3777	73	9	of	of	ADP
fsr-3777	73	10	most	most	ADJ
fsr-3777	73	11	household	household	NOUN
fsr-3777	73	12	assets	asset	NOUN
fsr-3777	73	13	and	and	CCONJ
fsr-3777	73	14	liberal	liberal	ADJ
fsr-3777	73	15	asset	asset	NOUN
fsr-3777	73	16	exemption	exemption	NOUN
fsr-3777	73	17	allowances	allowance	NOUN
fsr-3777	73	18	,	,	PUNCT
fsr-3777	73	19	most	most	ADJ
fsr-3777	73	20	petitions	petition	NOUN
fsr-3777	73	21	filed	file	VERB
fsr-3777	73	22	under	under	ADP
fsr-3777	73	23	chapter	chapter	NOUN
fsr-3777	73	24	7	7	NUM
fsr-3777	73	25	are	be	AUX
fsr-3777	73	26	“	"	PUNCT
fsr-3777	73	27	no	no	DET
fsr-3777	73	28	asset	asset	NOUN
fsr-3777	73	29	”	"	PUNCT
fsr-3777	73	30	cases	case	NOUN
fsr-3777	73	31	.	.	PUNCT
fsr-3777	74	1	consequently	consequently	ADV
fsr-3777	74	2	,	,	PUNCT
fsr-3777	74	3	the	the	DET
fsr-3777	74	4	unsecured	unsecured	ADJ
fsr-3777	74	5	creditors	creditor	NOUN
fsr-3777	74	6	for	for	ADP
fsr-3777	74	7	the	the	DET
fsr-3777	74	8	typical	typical	ADJ
fsr-3777	74	9	petitioner	petitioner	NOUN
fsr-3777	74	10	will	will	AUX
fsr-3777	74	11	recover	recover	VERB
fsr-3777	74	12	nothing	nothing	PRON
fsr-3777	74	13	and	and	CCONJ
fsr-3777	74	14	the	the	DET
fsr-3777	74	15	debtor	debtor	NOUN
fsr-3777	74	16	gains	gain	VERB
fsr-3777	74	17	the	the	DET
fsr-3777	74	18	value	value	NOUN
fsr-3777	74	19	of	of	ADP
fsr-3777	74	20	total	total	ADJ
fsr-3777	74	21	discharge	discharge	NOUN
fsr-3777	74	22	of	of	ADP
fsr-3777	74	23	accumulated	accumulate	VERB
fsr-3777	74	24	unsecured	unsecured	ADJ
fsr-3777	74	25	debts	debt	NOUN
fsr-3777	74	26	.	.	PUNCT
fsr-3777	75	1	iii	iii	X
fsr-3777	75	2	.	.	PUNCT
fsr-3777	75	3	literature	literature	PROPN
fsr-3777	75	4	review	review	VERB
fsr-3777	75	5	the	the	DET
fsr-3777	75	6	behavioral	behavioral	ADJ
fsr-3777	75	7	implications	implication	NOUN
fsr-3777	75	8	for	for	ADP
fsr-3777	75	9	debtors	debtor	NOUN
fsr-3777	75	10	and	and	CCONJ
fsr-3777	75	11	creditors	creditor	NOUN
fsr-3777	75	12	of	of	ADP
fsr-3777	75	13	the	the	DET
fsr-3777	75	14	value	value	NOUN
fsr-3777	75	15	of	of	ADP
fsr-3777	75	16	the	the	DET
fsr-3777	75	17	default	default	NOUN
fsr-3777	75	18	option	option	NOUN
fsr-3777	75	19	as	as	SCONJ
fsr-3777	75	20	it	it	PRON
fsr-3777	75	21	is	be	AUX
fsr-3777	75	22	defined	define	VERB
fsr-3777	75	23	by	by	ADP
fsr-3777	75	24	rules	rule	NOUN
fsr-3777	75	25	for	for	ADP
fsr-3777	75	26	garnishment	garnishment	NOUN
fsr-3777	75	27	and	and	CCONJ
fsr-3777	75	28	bankruptcy	bankruptcy	NOUN
fsr-3777	75	29	have	have	AUX
fsr-3777	75	30	been	be	AUX
fsr-3777	75	31	investigated	investigate	VERB
fsr-3777	75	32	in	in	ADP
fsr-3777	75	33	studies	study	NOUN
fsr-3777	75	34	of	of	ADP
fsr-3777	75	35	the	the	DET
fsr-3777	75	36	cross	cross	ADJ
fsr-3777	75	37	-	-	ADJ
fsr-3777	75	38	state	state	ADJ
fsr-3777	75	39	variability	variability	NOUN
fsr-3777	75	40	in	in	ADP
fsr-3777	75	41	bankruptcy	bankruptcy	NOUN
fsr-3777	75	42	rates	rate	NOUN
fsr-3777	75	43	.	.	PUNCT
fsr-3777	76	1	variations	variation	NOUN
fsr-3777	76	2	in	in	ADP
fsr-3777	76	3	legal	legal	ADJ
fsr-3777	76	4	conditions	condition	NOUN
fsr-3777	76	5	that	that	PRON
fsr-3777	76	6	influence	influence	VERB
fsr-3777	76	7	the	the	DET
fsr-3777	76	8	expected	expect	VERB
fsr-3777	76	9	value	value	NOUN
fsr-3777	76	10	of	of	ADP
fsr-3777	76	11	the	the	DET
fsr-3777	76	12	option	option	NOUN
fsr-3777	76	13	to	to	PART
fsr-3777	76	14	default	default	VERB
fsr-3777	76	15	are	be	AUX
fsr-3777	76	16	expected	expect	VERB
fsr-3777	76	17	to	to	PART
fsr-3777	76	18	be	be	AUX
fsr-3777	76	19	systematically	systematically	ADV
fsr-3777	76	20	related	relate	VERB
fsr-3777	76	21	to	to	ADP
fsr-3777	76	22	variations	variation	NOUN
fsr-3777	76	23	in	in	ADP
fsr-3777	76	24	the	the	DET
fsr-3777	76	25	probability	probability	NOUN
fsr-3777	76	26	that	that	SCONJ
fsr-3777	76	27	debtors	debtor	NOUN
fsr-3777	76	28	would	would	AUX
fsr-3777	76	29	exercise	exercise	VERB
fsr-3777	76	30	the	the	DET
fsr-3777	76	31	default	default	NOUN
fsr-3777	76	32	option	option	NOUN
fsr-3777	76	33	.	.	PUNCT
fsr-3777	77	1	this	this	PRON
fsr-3777	77	2	would	would	AUX
fsr-3777	77	3	hold	hold	VERB
fsr-3777	77	4	unless	unless	SCONJ
fsr-3777	77	5	,	,	PUNCT
fsr-3777	77	6	in	in	ADP
fsr-3777	77	7	anticipation	anticipation	NOUN
fsr-3777	77	8	of	of	ADP
fsr-3777	77	9	debtors	debtor	NOUN
fsr-3777	77	10	’	'	PUNCT
fsr-3777	77	11	opportunistic	opportunistic	ADJ
fsr-3777	77	12	actions	action	NOUN
fsr-3777	77	13	,	,	PUNCT
fsr-3777	77	14	creditors	creditor	NOUN
fsr-3777	77	15	make	make	VERB
fsr-3777	77	16	offsetting	offset	VERB
fsr-3777	77	17	adjust	adjust	VERB
fsr-3777	77	18	ments	ment	NOUN
fsr-3777	77	19	in	in	ADP
fsr-3777	77	20	credit	credit	NOUN
fsr-3777	77	21	standards	standard	NOUN
fsr-3777	77	22	.	.	PUNCT
fsr-3777	78	1	apilado	apilado	PROPN
fsr-3777	78	2	,	,	PUNCT
fsr-3777	78	3	dauten	dauten	NOUN
fsr-3777	78	4	,	,	PUNCT
fsr-3777	78	5	and	and	CCONJ
fsr-3777	78	6	smith	smith	PROPN
fsr-3777	78	7	(	(	PUNCT
fsr-3777	78	8	1978	1978	NUM
fsr-3777	78	9	)	)	PUNCT
fsr-3777	78	10	published	publish	VERB
fsr-3777	78	11	the	the	DET
fsr-3777	78	12	first	first	ADJ
fsr-3777	78	13	study	study	NOUN
fsr-3777	78	14	that	that	PRON
fsr-3777	78	15	related	relate	VERB
fsr-3777	78	16	cross	cross	ADJ
fsr-3777	78	17	-	-	ADJ
fsr-3777	78	18	state	state	ADJ
fsr-3777	78	19	variation	variation	NOUN
fsr-3777	78	20	in	in	ADP
fsr-3777	78	21	bankruptcy	bankruptcy	NOUN
fsr-3777	78	22	rates	rate	NOUN
fsr-3777	78	23	(	(	PUNCT
fsr-3777	78	24	non	non	ADJ
fsr-3777	78	25	-	-	ADJ
fsr-3777	78	26	business	business	ADJ
fsr-3777	78	27	petitions	petition	NOUN
fsr-3777	78	28	per	per	ADP
fsr-3777	78	29	100,000	100,000	NUM
fsr-3777	78	30	popu	popu	ADJ
fsr-3777	78	31	lation	lation	NOUN
fsr-3777	78	32	)	)	PUNCT
fsr-3777	78	33	and	and	CCONJ
fsr-3777	78	34	legal	legal	ADJ
fsr-3777	78	35	conditions	condition	NOUN
fsr-3777	78	36	for	for	ADP
fsr-3777	78	37	garnishment	garnishment	NOUN
fsr-3777	78	38	and	and	CCONJ
fsr-3777	78	39	bankruptcy	bankruptcy	NOUN
fsr-3777	78	40	.	.	PUNCT
fsr-3777	79	1	using	use	VERB
fsr-3777	79	2	data	datum	NOUN
fsr-3777	79	3	from	from	ADP
fsr-3777	79	4	1963	1963	NUM
fsr-3777	79	5	through	through	ADP
fsr-3777	79	6	1974	1974	NUM
fsr-3777	79	7	,	,	PUNCT
fsr-3777	79	8	they	they	PRON
fsr-3777	79	9	found	find	VERB
fsr-3777	79	10	that	that	SCONJ
fsr-3777	79	11	the	the	DET
fsr-3777	79	12	relationship	relationship	NOUN
fsr-3777	79	13	between	between	ADP
fsr-3777	79	14	the	the	DET
fsr-3777	79	15	level	level	NOUN
fsr-3777	79	16	of	of	ADP
fsr-3777	79	17	asset	asset	NOUN
fsr-3777	79	18	exemptions	exemption	NOUN
fsr-3777	79	19	and	and	CCONJ
fsr-3777	79	20	bankruptcy	bankruptcy	NOUN
fsr-3777	79	21	rates	rate	NOUN
fsr-3777	79	22	was	be	AUX
fsr-3777	79	23	nonlinear	nonlinear	ADJ
fsr-3777	79	24	.	.	PUNCT
fsr-3777	80	1	the	the	DET
fsr-3777	80	2	rate	rate	NOUN
fsr-3777	80	3	was	be	AUX
fsr-3777	80	4	low	low	ADJ
fsr-3777	80	5	in	in	ADP
fsr-3777	80	6	states	state	NOUN
fsr-3777	80	7	with	with	ADP
fsr-3777	80	8	low	low	ADJ
fsr-3777	80	9	asset	asset	NOUN
fsr-3777	80	10	exemptions	exemption	NOUN
fsr-3777	80	11	as	as	ADV
fsr-3777	80	12	well	well	ADV
fsr-3777	80	13	as	as	ADP
fsr-3777	80	14	in	in	ADP
fsr-3777	80	15	states	state	NOUN
fsr-3777	80	16	with	with	ADP
fsr-3777	80	17	high	high	ADJ
fsr-3777	80	18	asset	asset	NOUN
fsr-3777	80	19	exemptions	exemption	NOUN
fsr-3777	80	20	.	.	PUNCT
fsr-3777	81	1	states	state	NOUN
fsr-3777	81	2	restricting	restrict	VERB
fsr-3777	81	3	or	or	CCONJ
fsr-3777	81	4	prohibiting	prohibit	VERB
fsr-3777	81	5	garnishment	garnishment	NOUN
fsr-3777	81	6	had	have	VERB
fsr-3777	81	7	a	a	DET
fsr-3777	81	8	significantly	significantly	ADV
fsr-3777	81	9	lower	low	ADJ
fsr-3777	81	10	bankruptcy	bankruptcy	NOUN
fsr-3777	81	11	rate	rate	NOUN
fsr-3777	81	12	than	than	SCONJ
fsr-3777	81	13	did	do	VERB
fsr-3777	81	14	states	state	NOUN
fsr-3777	81	15	that	that	PRON
fsr-3777	81	16	used	use	VERB
fsr-3777	81	17	the	the	DET
fsr-3777	81	18	federal	federal	ADJ
fsr-3777	81	19	guidelines	guideline	NOUN
fsr-3777	81	20	for	for	ADP
fsr-3777	81	21	garnishment	garnishment	NOUN
fsr-3777	81	22	.	.	PUNCT
fsr-3777	82	1	peterson	peterson	PROPN
fsr-3777	82	2	and	and	CCONJ
fsr-3777	82	3	aoki	aoki	PROPN
fsr-3777	82	4	(	(	PUNCT
fsr-3777	82	5	1984	1984	NUM
fsr-3777	82	6	)	)	PUNCT
fsr-3777	82	7	and	and	CCONJ
fsr-3777	82	8	shephard	shephard	NOUN
fsr-3777	82	9	(	(	PUNCT
fsr-3777	82	10	1984	1984	NUM
fsr-3777	82	11	)	)	PUNCT
fsr-3777	82	12	found	find	VERB
fsr-3777	82	13	that	that	SCONJ
fsr-3777	82	14	the	the	DET
fsr-3777	82	15	level	level	NOUN
fsr-3777	82	16	of	of	ADP
fsr-3777	82	17	allowed	allow	VERB
fsr-3777	82	18	exemption	exemption	NOUN
fsr-3777	82	19	was	be	AUX
fsr-3777	82	20	not	not	PART
fsr-3777	82	21	a	a	DET
fsr-3777	82	22	critical	critical	ADJ
fsr-3777	82	23	factor	factor	NOUN
fsr-3777	82	24	for	for	ADP
fsr-3777	82	25	explaining	explain	VERB
fsr-3777	82	26	cross	cross	ADJ
fsr-3777	82	27	-	-	ADJ
fsr-3777	82	28	state	state	ADJ
fsr-3777	82	29	variation	variation	NOUN
fsr-3777	82	30	in	in	ADP
fsr-3777	82	31	the	the	DET
fsr-3777	82	32	rate	rate	NOUN
fsr-3777	82	33	of	of	ADP
fsr-3777	82	34	personal	personal	ADJ
fsr-3777	82	35	credit	credit	NOUN
fsr-3777	82	36	car	car	NOUN
fsr-3777	82	37	&	&	CCONJ
fsr-3777	82	38	and	and	CCONJ
fsr-3777	82	39	the	the	DET
fsr-3777	82	40	option	option	NOUN
fsr-3777	82	41	to	to	PART
fsr-3777	82	42	default	default	VERB
fsr-3777	82	43	127	127	NUM
fsr-3777	82	44	bankruptcy	bankruptcy	NOUN
fsr-3777	82	45	immediately	immediately	ADV
fsr-3777	82	46	after	after	ADP
fsr-3777	82	47	the	the	DET
fsr-3777	82	48	enactment	enactment	NOUN
fsr-3777	82	49	of	of	ADP
fsr-3777	82	50	the	the	DET
fsr-3777	82	51	bankruptcy	bankruptcy	NOUN
fsr-3777	82	52	reform	reform	PROPN
fsr-3777	82	53	act	act	NOUN
fsr-3777	82	54	of	of	ADP
fsr-3777	82	55	1978	1978	NUM
fsr-3777	82	56	.	.	PUNCT
fsr-3777	83	1	but	but	CCONJ
fsr-3777	83	2	in	in	ADP
fsr-3777	83	3	states	state	NOUN
fsr-3777	83	4	where	where	SCONJ
fsr-3777	83	5	garnishment	garnishment	NOUN
fsr-3777	83	6	was	be	AUX
fsr-3777	83	7	prohibited	prohibit	VERB
fsr-3777	83	8	,	,	PUNCT
fsr-3777	83	9	the	the	DET
fsr-3777	83	10	bankruptcy	bankruptcy	NOUN
fsr-3777	83	11	rates	rate	NOUN
fsr-3777	83	12	were	be	AUX
fsr-3777	83	13	significantly	significantly	ADV
fsr-3777	83	14	lower	low	ADJ
fsr-3777	83	15	both	both	CCONJ
fsr-3777	83	16	before	before	ADP
fsr-3777	83	17	and	and	CCONJ
fsr-3777	83	18	after	after	ADP
fsr-3777	83	19	the	the	DET
fsr-3777	83	20	change	change	NOUN
fsr-3777	83	21	in	in	ADP
fsr-3777	83	22	the	the	DET
fsr-3777	83	23	federal	federal	ADJ
fsr-3777	83	24	bankruptcy	bankruptcy	NOUN
fsr-3777	83	25	code	code	PROPN
fsr-3777	83	26	than	than	SCONJ
fsr-3777	83	27	was	be	AUX
fsr-3777	83	28	the	the	DET
fsr-3777	83	29	case	case	NOUN
fsr-3777	83	30	in	in	ADP
fsr-3777	83	31	states	state	NOUN
fsr-3777	83	32	that	that	PRON
fsr-3777	83	33	allowed	allow	VERB
fsr-3777	83	34	garnishment	garnishment	NOUN
fsr-3777	83	35	.	.	PUNCT
fsr-3777	84	1	shiers	shier	NOUN
fsr-3777	84	2	and	and	CCONJ
fsr-3777	84	3	williamson	williamson	PROPN
fsr-3777	84	4	(	(	PUNCT
fsr-3777	84	5	1987	1987	NUM
fsr-3777	84	6	)	)	PUNCT
fsr-3777	84	7	found	find	VERB
fsr-3777	84	8	that	that	SCONJ
fsr-3777	84	9	the	the	DET
fsr-3777	84	10	bankruptcy	bankruptcy	NOUN
fsr-3777	84	11	rate	rate	NOUN
fsr-3777	84	12	was	be	AUX
fsr-3777	84	13	significantly	significantly	ADV
fsr-3777	84	14	higher	high	ADJ
fsr-3777	84	15	in	in	ADP
fsr-3777	84	16	states	state	NOUN
fsr-3777	84	17	with	with	ADP
fsr-3777	84	18	low	low	ADJ
fsr-3777	84	19	asset	asset	NOUN
fsr-3777	84	20	exemptions	exemption	NOUN
fsr-3777	84	21	.	.	PUNCT
fsr-3777	85	1	they	they	PRON
fsr-3777	85	2	attributed	attribute	VERB
fsr-3777	85	3	this	this	PRON
fsr-3777	85	4	to	to	ADP
fsr-3777	85	5	the	the	DET
fsr-3777	85	6	possibility	possibility	NOUN
fsr-3777	85	7	that	that	SCONJ
fsr-3777	85	8	creditors	creditor	NOUN
fsr-3777	85	9	took	take	VERB
fsr-3777	85	10	more	more	ADJ
fsr-3777	85	11	credit	credit	NOUN
fsr-3777	85	12	risk	risk	NOUN
fsr-3777	85	13	in	in	ADP
fsr-3777	85	14	those	those	DET
fsr-3777	85	15	states	state	NOUN
fsr-3777	85	16	where	where	SCONJ
fsr-3777	85	17	the	the	DET
fsr-3777	85	18	value	value	NOUN
fsr-3777	85	19	of	of	ADP
fsr-3777	85	20	the	the	DET
fsr-3777	85	21	default	default	NOUN
fsr-3777	85	22	option	option	NOUN
fsr-3777	85	23	was	be	AUX
fsr-3777	85	24	low	low	ADJ
fsr-3777	85	25	.	.	PUNCT
fsr-3777	86	1	they	they	PRON
fsr-3777	86	2	found	find	VERB
fsr-3777	86	3	no	no	DET
fsr-3777	86	4	relationship	relationship	NOUN
fsr-3777	86	5	between	between	ADP
fsr-3777	86	6	garnishment	garnishment	NOUN
fsr-3777	86	7	restrictions	restriction	NOUN
fsr-3777	86	8	and	and	CCONJ
fsr-3777	86	9	the	the	DET
fsr-3777	86	10	bankruptcy	bankruptcy	NOUN
fsr-3777	86	11	rate	rate	NOUN
fsr-3777	86	12	.	.	PUNCT
fsr-3777	87	1	however	however	ADV
fsr-3777	87	2	,	,	PUNCT
fsr-3777	87	3	their	their	PRON
fsr-3777	87	4	result	result	NOUN
fsr-3777	87	5	could	could	AUX
fsr-3777	87	6	be	be	AUX
fsr-3777	87	7	attributable	attributable	ADJ
fsr-3777	87	8	to	to	ADP
fsr-3777	87	9	a	a	DET
fsr-3777	87	10	misspecification	misspecification	NOUN
fsr-3777	87	11	error	error	NOUN
fsr-3777	87	12	in	in	SCONJ
fsr-3777	87	13	that	that	SCONJ
fsr-3777	87	14	the	the	DET
fsr-3777	87	15	authors	author	NOUN
fsr-3777	87	16	claimed	claim	VERB
fsr-3777	87	17	that	that	SCONJ
fsr-3777	87	18	all	all	DET
fsr-3777	87	19	states	state	NOUN
fsr-3777	87	20	permitted	permit	VERB
fsr-3777	87	21	garnishment	garnishment	NOUN
fsr-3777	87	22	to	to	ADP
fsr-3777	87	23	some	some	DET
fsr-3777	87	24	extent	extent	NOUN
fsr-3777	87	25	and	and	CCONJ
fsr-3777	87	26	,	,	PUNCT
fsr-3777	87	27	therefore	therefore	ADV
fsr-3777	87	28	,	,	PUNCT
fsr-3777	87	29	did	do	AUX
fsr-3777	87	30	not	not	PART
fsr-3777	87	31	include	include	VERB
fsr-3777	87	32	a	a	DET
fsr-3777	87	33	variable	variable	NOUN
fsr-3777	87	34	for	for	ADP
fsr-3777	87	35	states	state	NOUN
fsr-3777	87	36	that	that	PRON
fsr-3777	87	37	actually	actually	ADV
fsr-3777	87	38	prohibited	prohibit	VERB
fsr-3777	87	39	garnishment	garnishment	NOUN
fsr-3777	87	40	for	for	ADP
fsr-3777	87	41	purposes	purpose	NOUN
fsr-3777	87	42	of	of	ADP
fsr-3777	87	43	recovering	recover	VERB
fsr-3777	87	44	consumer	consumer	NOUN
fsr-3777	87	45	credit	credit	NOUN
fsr-3777	87	46	claims	claim	NOUN
fsr-3777	87	47	.	.	PUNCT
fsr-3777	88	1	sullivan	sullivan	NOUN
fsr-3777	88	2	and	and	CCONJ
fsr-3777	88	3	worden	worden	PROPN
fsr-3777	88	4	(	(	PUNCT
fsr-3777	88	5	1991	1991	NUM
fsr-3777	88	6	)	)	PUNCT
fsr-3777	88	7	found	find	VERB
fsr-3777	88	8	that	that	SCONJ
fsr-3777	88	9	between	between	ADP
fsr-3777	88	10	1981	1981	NUM
fsr-3777	88	11	and	and	CCONJ
fsr-3777	88	12	1988	1988	NUM
fsr-3777	88	13	,	,	PUNCT
fsr-3777	88	14	the	the	DET
fsr-3777	88	15	bankruptcy	bankruptcy	NOUN
fsr-3777	88	16	rate	rate	NOUN
fsr-3777	88	17	was	be	AUX
fsr-3777	88	18	significantly	significantly	ADV
fsr-3777	88	19	lower	low	ADJ
fsr-3777	88	20	in	in	ADP
fsr-3777	88	21	states	state	NOUN
fsr-3777	88	22	that	that	PRON
fsr-3777	88	23	restricted	restrict	VERB
fsr-3777	88	24	garnishment	garnishment	NOUN
fsr-3777	88	25	more	more	ADJ
fsr-3777	88	26	than	than	ADP
fsr-3777	88	27	the	the	DET
fsr-3777	88	28	consumer	consumer	NOUN
fsr-3777	88	29	credit	credit	NOUN
fsr-3777	88	30	protection	protection	PROPN
fsr-3777	88	31	act	act	PROPN
fsr-3777	88	32	.	.	PUNCT
fsr-3777	89	1	furthermore	furthermore	ADV
fsr-3777	89	2	,	,	PUNCT
fsr-3777	89	3	they	they	PRON
fsr-3777	89	4	demonstrated	demonstrate	VERB
fsr-3777	89	5	that	that	SCONJ
fsr-3777	89	6	while	while	SCONJ
fsr-3777	89	7	the	the	DET
fsr-3777	89	8	rate	rate	NOUN
fsr-3777	89	9	of	of	ADP
fsr-3777	89	10	bankruptcy	bankruptcy	NOUN
fsr-3777	89	11	was	be	AUX
fsr-3777	89	12	relatively	relatively	ADV
fsr-3777	89	13	low	low	ADJ
fsr-3777	89	14	in	in	ADP
fsr-3777	89	15	some	some	DET
fsr-3777	89	16	states	state	NOUN
fsr-3777	89	17	with	with	ADP
fsr-3777	89	18	low	low	ADJ
fsr-3777	89	19	asset	asset	NOUN
fsr-3777	89	20	exemptions	exemption	NOUN
fsr-3777	89	21	,	,	PUNCT
fsr-3777	89	22	it	it	PRON
fsr-3777	89	23	was	be	AUX
fsr-3777	89	24	high	high	ADJ
fsr-3777	89	25	in	in	ADP
fsr-3777	89	26	some	some	DET
fsr-3777	89	27	low	low	ADJ
fsr-3777	89	28	-	-	PUNCT
fsr-3777	89	29	exemption	exemption	NOUN
fsr-3777	89	30	states	state	NOUN
fsr-3777	89	31	.	.	PUNCT
fsr-3777	90	1	in	in	ADP
fsr-3777	90	2	those	those	DET
fsr-3777	90	3	states	state	NOUN
fsr-3777	90	4	,	,	PUNCT
fsr-3777	90	5	an	an	DET
fsr-3777	90	6	above	above	ADJ
fsr-3777	90	7	-	-	PUNCT
fsr-3777	90	8	average	average	NOUN
fsr-3777	90	9	percentage	percentage	NOUN
fsr-3777	90	10	of	of	ADP
fsr-3777	90	11	petitioners	petitioner	NOUN
fsr-3777	90	12	opted	opt	VERB
fsr-3777	90	13	for	for	ADP
fsr-3777	90	14	chapter	chapter	NOUN
fsr-3777	90	15	13	13	NUM
fsr-3777	90	16	.	.	PUNCT
fsr-3777	91	1	this	this	DET
fsr-3777	91	2	decision	decision	NOUN
fsr-3777	91	3	allowed	allow	VERB
fsr-3777	91	4	them	they	PRON
fsr-3777	91	5	to	to	PART
fsr-3777	91	6	protect	protect	VERB
fsr-3777	91	7	their	their	PRON
fsr-3777	91	8	assets	asset	NOUN
fsr-3777	91	9	from	from	ADP
fsr-3777	91	10	liquidation	liquidation	NOUN
fsr-3777	91	11	.	.	PUNCT
fsr-3777	92	1	theoretically	theoretically	ADV
fsr-3777	92	2	,	,	PUNCT
fsr-3777	92	3	however	however	ADV
fsr-3777	92	4	,	,	PUNCT
fsr-3777	92	5	this	this	DET
fsr-3777	92	6	choice	choice	NOUN
fsr-3777	92	7	should	should	AUX
fsr-3777	92	8	not	not	PART
fsr-3777	92	9	have	have	AUX
fsr-3777	92	10	produced	produce	VERB
fsr-3777	92	11	a	a	DET
fsr-3777	92	12	higher	high	ADJ
fsr-3777	92	13	valued	value	VERB
fsr-3777	92	14	option	option	NOUN
fsr-3777	92	15	because	because	SCONJ
fsr-3777	92	16	of	of	ADP
fsr-3777	92	17	the	the	DET
fsr-3777	92	18	equivalency	equivalency	NOUN
fsr-3777	92	19	rule	rule	NOUN
fsr-3777	92	20	.	.	PUNCT
fsr-3777	93	1	in	in	ADP
fsr-3777	93	2	sum	sum	NOUN
fsr-3777	93	3	,	,	PUNCT
fsr-3777	93	4	the	the	DET
fsr-3777	93	5	literature	literature	NOUN
fsr-3777	93	6	supports	support	VERB
fsr-3777	93	7	the	the	DET
fsr-3777	93	8	hypothesis	hypothesis	NOUN
fsr-3777	93	9	that	that	SCONJ
fsr-3777	93	10	the	the	DET
fsr-3777	93	11	value	value	NOUN
fsr-3777	93	12	of	of	ADP
fsr-3777	93	13	the	the	DET
fsr-3777	93	14	option	option	NOUN
fsr-3777	93	15	to	to	PART
fsr-3777	93	16	default	default	NOUN
fsr-3777	93	17	is	be	AUX
fsr-3777	93	18	influenced	influence	VERB
fsr-3777	93	19	by	by	ADP
fsr-3777	93	20	regulations	regulation	NOUN
fsr-3777	93	21	governing	govern	VERB
fsr-3777	93	22	garnishment	garnishment	NOUN
fsr-3777	93	23	and	and	CCONJ
fsr-3777	93	24	bankruptcy	bankruptcy	NOUN
fsr-3777	93	25	and	and	CCONJ
fsr-3777	93	26	,	,	PUNCT
fsr-3777	93	27	correspondingly	correspondingly	ADV
fsr-3777	93	28	,	,	PUNCT
fsr-3777	93	29	influences	influence	VERB
fsr-3777	93	30	debtor	debtor	NOUN
fsr-3777	93	31	and	and	CCONJ
fsr-3777	93	32	creditor	creditor	NOUN
fsr-3777	93	33	behavior	behavior	NOUN
fsr-3777	93	34	.	.	PUNCT
fsr-3777	94	1	however	however	ADV
fsr-3777	94	2	,	,	PUNCT
fsr-3777	94	3	none	none	NOUN
fsr-3777	94	4	of	of	ADP
fsr-3777	94	5	these	these	DET
fsr-3777	94	6	studies	study	NOUN
fsr-3777	94	7	included	include	VERB
fsr-3777	94	8	an	an	DET
fsr-3777	94	9	assessment	assessment	NOUN
fsr-3777	94	10	of	of	ADP
fsr-3777	94	11	consumer	consumer	NOUN
fsr-3777	94	12	default	default	NOUN
fsr-3777	94	13	that	that	PRON
fsr-3777	94	14	did	do	AUX
fsr-3777	94	15	not	not	PART
fsr-3777	94	16	involve	involve	VERB
fsr-3777	94	17	a	a	DET
fsr-3777	94	18	bankruptcy	bankruptcy	NOUN
fsr-3777	94	19	filing	filing	NOUN
fsr-3777	94	20	.	.	PUNCT
fsr-3777	95	1	in	in	ADP
fsr-3777	95	2	this	this	DET
fsr-3777	95	3	analysis	analysis	NOUN
fsr-3777	95	4	,	,	PUNCT
fsr-3777	95	5	we	we	PRON
fsr-3777	95	6	study	study	VERB
fsr-3777	95	7	the	the	DET
fsr-3777	95	8	impact	impact	NOUN
fsr-3777	95	9	of	of	ADP
fsr-3777	95	10	those	those	DET
fsr-3777	95	11	conditions	condition	NOUN
fsr-3777	95	12	that	that	PRON
fsr-3777	95	13	influence	influence	VERB
fsr-3777	95	14	the	the	DET
fsr-3777	95	15	default	default	NOUN
fsr-3777	95	16	option	option	NOUN
fsr-3777	95	17	value	value	NOUN
fsr-3777	95	18	on	on	ADP
fsr-3777	95	19	debtor	debtor	NOUN
fsr-3777	95	20	’s	’s	PART
fsr-3777	95	21	response	response	NOUN
fsr-3777	95	22	to	to	ADP
fsr-3777	95	23	debt	debt	NOUN
fsr-3777	95	24	problems	problem	NOUN
fsr-3777	95	25	.	.	PUNCT
fsr-3777	96	1	furthermore	furthermore	ADV
fsr-3777	96	2	,	,	PUNCT
fsr-3777	96	3	the	the	DET
fsr-3777	96	4	relationship	relationship	NOUN
fsr-3777	96	5	between	between	ADP
fsr-3777	96	6	card	card	NOUN
fsr-3777	96	7	use	use	NOUN
fsr-3777	96	8	before	before	ADP
fsr-3777	96	9	charge	charge	NOUN
fsr-3777	96	10	-	-	PUNCT
fsr-3777	96	11	off	off	NOUN
fsr-3777	96	12	and	and	CCONJ
fsr-3777	96	13	the	the	DET
fsr-3777	96	14	value	value	NOUN
fsr-3777	96	15	,	,	PUNCT
fsr-3777	96	16	ex	ex	X
fsr-3777	96	17	post	post	NOUN
fsr-3777	96	18	,	,	PUNCT
fsr-3777	96	19	of	of	ADP
fsr-3777	96	20	the	the	DET
fsr-3777	96	21	debtor	debtor	NOUN
fsr-3777	96	22	’s	’s	PART
fsr-3777	96	23	option	option	NOUN
fsr-3777	96	24	to	to	PART
fsr-3777	96	25	default	default	VERB
fsr-3777	96	26	on	on	ADP
fsr-3777	96	27	unsecured	unsecured	ADJ
fsr-3777	96	28	claims	claim	NOUN
fsr-3777	96	29	is	be	AUX
fsr-3777	96	30	investigated	investigate	VERB
fsr-3777	96	31	.	.	PUNCT
fsr-3777	97	1	specifically	specifically	ADV
fsr-3777	97	2	,	,	PUNCT
fsr-3777	97	3	we	we	PRON
fsr-3777	97	4	investigate	investigate	VERB
fsr-3777	97	5	the	the	DET
fsr-3777	97	6	existence	existence	NOUN
fsr-3777	97	7	of	of	ADP
fsr-3777	97	8	moral	moral	ADJ
fsr-3777	97	9	hazard	hazard	NOUN
fsr-3777	97	10	that	that	PRON
fsr-3777	97	11	was	be	AUX
fsr-3777	97	12	suggested	suggest	VERB
fsr-3777	97	13	by	by	ADP
fsr-3777	97	14	pozdena	pozdena	PROPN
fsr-3777	97	15	’s	’s	PART
fsr-3777	97	16	work	work	NOUN
fsr-3777	97	17	.	.	PUNCT
fsr-3777	98	1	iv	iv	X
fsr-3777	98	2	.	.	PUNCT
fsr-3777	98	3	descriptive	descriptive	PROPN
fsr-3777	98	4	statistics	statistic	NOUN
fsr-3777	98	5	a.	a.	PROPN
fsr-3777	98	6	the	the	DET
fsr-3777	98	7	data	datum	NOUN
fsr-3777	98	8	to	to	PART
fsr-3777	98	9	evaluate	evaluate	VERB
fsr-3777	98	10	the	the	DET
fsr-3777	98	11	relationships	relationship	NOUN
fsr-3777	98	12	between	between	ADP
fsr-3777	98	13	regulations	regulation	NOUN
fsr-3777	98	14	and	and	CCONJ
fsr-3777	98	15	cardholder	cardholder	VERB
fsr-3777	98	16	behavior	behavior	NOUN
fsr-3777	98	17	before	before	ADP
fsr-3777	98	18	and	and	CCONJ
fsr-3777	98	19	after	after	ADP
fsr-3777	98	20	default	default	NOUN
fsr-3777	98	21	,	,	PUNCT
fsr-3777	98	22	complete	complete	ADJ
fsr-3777	98	23	account	account	NOUN
fsr-3777	98	24	histories	history	NOUN
fsr-3777	98	25	of	of	ADP
fsr-3777	98	26	charged	charge	VERB
fsr-3777	98	27	-	-	PUNCT
fsr-3777	98	28	off	off	ADP
fsr-3777	98	29	accounts	account	NOUN
fsr-3777	98	30	from	from	ADP
fsr-3777	98	31	a	a	DET
fsr-3777	98	32	national	national	ADJ
fsr-3777	98	33	portfolio	portfolio	NOUN
fsr-3777	98	34	of	of	ADP
fsr-3777	98	35	credit	credit	NOUN
fsr-3777	98	36	card	card	NOUN
fsr-3777	98	37	accounts	account	NOUN
fsr-3777	98	38	were	be	AUX
fsr-3777	98	39	needed	need	VERB
fsr-3777	98	40	.	.	PUNCT
fsr-3777	99	1	a	a	DET
fsr-3777	99	2	very	very	ADV
fsr-3777	99	3	large	large	ADJ
fsr-3777	99	4	regional	regional	ADJ
fsr-3777	99	5	bank	bank	NOUN
fsr-3777	99	6	provided	provide	VERB
fsr-3777	99	7	such	such	DET
fsr-3777	99	8	a	a	DET
fsr-3777	99	9	data	data	NOUN
fsr-3777	99	10	base	base	NOUN
fsr-3777	99	11	.	.	PUNCT
fsr-3777	100	1	the	the	DET
fsr-3777	100	2	data	datum	NOUN
fsr-3777	100	3	analyzed	analyze	VERB
fsr-3777	100	4	are	be	AUX
fsr-3777	100	5	made	make	VERB
fsr-3777	100	6	up	up	ADP
fsr-3777	100	7	of	of	ADP
fsr-3777	100	8	account	account	NOUN
fsr-3777	100	9	histories	history	NOUN
fsr-3777	100	10	of	of	ADP
fsr-3777	100	11	a	a	DET
fsr-3777	100	12	national	national	ADJ
fsr-3777	100	13	sample	sample	NOUN
fsr-3777	100	14	of	of	ADP
fsr-3777	100	15	active	active	ADJ
fsr-3777	100	16	bank	bank	NOUN
fsr-3777	100	17	credit	credit	NOUN
fsr-3777	100	18	card	card	NOUN
fsr-3777	100	19	accounts	account	VERB
fsr-3777	100	20	in	in	ADP
fsr-3777	100	21	the	the	DET
fsr-3777	100	22	portfolio	portfolio	NOUN
fsr-3777	100	23	of	of	ADP
fsr-3777	100	24	a	a	DET
fsr-3777	100	25	single	single	ADJ
fsr-3777	100	26	midwestern	midwestern	ADJ
fsr-3777	100	27	bank	bank	NOUN
fsr-3777	100	28	and	and	CCONJ
fsr-3777	100	29	a	a	DET
fsr-3777	100	30	subsample	subsample	NOUN
fsr-3777	100	31	of	of	ADP
fsr-3777	100	32	the	the	DET
fsr-3777	100	33	portfolio	portfolio	NOUN
fsr-3777	100	34	which	which	PRON
fsr-3777	100	35	includes	include	VERB
fsr-3777	100	36	the	the	DET
fsr-3777	100	37	entire	entire	ADJ
fsr-3777	100	38	population	population	NOUN
fsr-3777	100	39	of	of	ADP
fsr-3777	100	40	accounts	account	NOUN
fsr-3777	100	41	that	that	PRON
fsr-3777	100	42	had	have	AUX
fsr-3777	100	43	been	be	AUX
fsr-3777	100	44	open	open	ADJ
fsr-3777	100	45	prior	prior	ADV
fsr-3777	100	46	to	to	ADP
fsr-3777	100	47	1990	1990	NUM
fsr-3777	100	48	and	and	CCONJ
fsr-3777	100	49	charged	charge	VERB
fsr-3777	100	50	off	off	ADP
fsr-3777	100	51	in	in	ADP
fsr-3777	100	52	1991	1991	NUM
fsr-3777	100	53	.	.	PUNCT
fsr-3777	101	1	the	the	DET
fsr-3777	101	2	data	datum	NOUN
fsr-3777	101	3	set	set	VERB
fsr-3777	101	4	included	include	VERB
fsr-3777	101	5	the	the	DET
fsr-3777	101	6	complete	complete	ADJ
fsr-3777	101	7	account	account	NOUN
fsr-3777	101	8	histories	history	NOUN
fsr-3777	101	9	for	for	ADP
fsr-3777	101	10	both	both	DET
fsr-3777	101	11	groups	group	NOUN
fsr-3777	101	12	of	of	ADP
fsr-3777	101	13	accounts	account	NOUN
fsr-3777	101	14	for	for	ADP
fsr-3777	101	15	1990	1990	NUM
fsr-3777	101	16	and	and	CCONJ
fsr-3777	101	17	199	199	NUM
fsr-3777	101	18	1	1	NUM
fsr-3777	101	19	.	.	PUNCT
fsr-3777	102	1	because	because	SCONJ
fsr-3777	102	2	information	information	NOUN
fsr-3777	102	3	about	about	ADP
fsr-3777	102	4	any	any	DET
fsr-3777	102	5	activity	activity	NOUN
fsr-3777	102	6	in	in	ADP
fsr-3777	102	7	the	the	DET
fsr-3777	102	8	account	account	NOUN
fsr-3777	102	9	is	be	AUX
fsr-3777	102	10	retained	retain	VERB
fsr-3777	102	11	even	even	ADV
fsr-3777	102	12	after	after	ADP
fsr-3777	102	13	charge	charge	NOUN
fsr-3777	102	14	-	-	PUNCT
fsr-3777	102	15	off	off	NOUN
fsr-3777	102	16	,	,	PUNCT
fsr-3777	102	17	the	the	DET
fsr-3777	102	18	data	datum	NOUN
fsr-3777	102	19	set	set	VERB
fsr-3777	102	20	enabled	enable	VERB
fsr-3777	102	21	the	the	DET
fsr-3777	102	22	reconstruction	reconstruction	NOUN
fsr-3777	102	23	of	of	ADP
fsr-3777	102	24	all	all	DET
fsr-3777	102	25	action	action	NOUN
fsr-3777	102	26	in	in	ADP
fsr-3777	102	27	the	the	DET
fsr-3777	102	28	charged	charge	VERB
fsr-3777	102	29	-	-	PUNCT
fsr-3777	102	30	off	off	ADP
fsr-3777	102	31	accounts	account	NOUN
fsr-3777	102	32	one	one	NUM
fsr-3777	102	33	year	year	NOUN
fsr-3777	102	34	before	before	ADV
fsr-3777	102	35	and	and	CCONJ
fsr-3777	102	36	up	up	ADP
fsr-3777	102	37	to	to	PART
fsr-3777	102	38	one	one	NUM
fsr-3777	102	39	year	year	NOUN
fsr-3777	102	40	after	after	ADP
fsr-3777	102	41	charge	charge	NOUN
fsr-3777	102	42	-	-	PUNCT
fsr-3777	102	43	off	off	NOUN
fsr-3777	102	44	.	.	PUNCT
fsr-3777	103	1	128	128	NUM
fsr-3777	103	2	financial	financial	ADJ
fsr-3777	103	3	services	service	NOUN
fsr-3777	103	4	review	review	NOUN
fsr-3777	103	5	4(2	4(2	NUM
fsr-3777	103	6	)	)	PUNCT
fsr-3777	103	7	1995	1995	NUM
fsr-3777	104	1	the	the	DET
fsr-3777	104	2	samples	sample	NOUN
fsr-3777	104	3	included	include	VERB
fsr-3777	104	4	no	no	DET
fsr-3777	104	5	gold	gold	NOUN
fsr-3777	104	6	or	or	CCONJ
fsr-3777	104	7	premium	premium	NOUN
fsr-3777	104	8	cards	card	NOUN
fsr-3777	104	9	and	and	CCONJ
fsr-3777	104	10	no	no	DET
fsr-3777	104	11	accounts	account	NOUN
fsr-3777	104	12	specifically	specifically	ADV
fsr-3777	104	13	targeted	target	VERB
fsr-3777	104	14	at	at	ADP
fsr-3777	104	15	students	student	NOUN
fsr-3777	104	16	.	.	PUNCT
fsr-3777	105	1	the	the	DET
fsr-3777	105	2	portfolio	portfolio	NOUN
fsr-3777	105	3	sample	sample	NOUN
fsr-3777	105	4	included	include	VERB
fsr-3777	105	5	3,094	3,094	NUM
fsr-3777	105	6	active	active	ADJ
fsr-3777	105	7	standard	standard	ADJ
fsr-3777	105	8	credit	credit	NOUN
fsr-3777	105	9	card	card	NOUN
fsr-3777	105	10	accounts	account	NOUN
fsr-3777	105	11	selected	select	VERB
fsr-3777	105	12	randomly	randomly	ADV
fsr-3777	105	13	from	from	ADP
fsr-3777	105	14	the	the	DET
fsr-3777	105	15	portfolio	portfolio	NOUN
fsr-3777	105	16	.	.	PUNCT
fsr-3777	106	1	while	while	SCONJ
fsr-3777	106	2	these	these	DET
fsr-3777	106	3	cardholders	cardholder	NOUN
fsr-3777	106	4	were	be	AUX
fsr-3777	106	5	residents	resident	NOUN
fsr-3777	106	6	of	of	ADP
fsr-3777	106	7	all	all	DET
fsr-3777	106	8	states	state	NOUN
fsr-3777	106	9	,	,	PUNCT
fsr-3777	106	10	with	with	ADP
fsr-3777	106	11	the	the	DET
fsr-3777	106	12	exception	exception	NOUN
fsr-3777	106	13	of	of	ADP
fsr-3777	106	14	vermont	vermont	NOUN
fsr-3777	106	15	,	,	PUNCT
fsr-3777	106	16	the	the	DET
fsr-3777	106	17	majority	majority	NOUN
fsr-3777	106	18	(	(	PUNCT
fsr-3777	106	19	82	82	NUM
fsr-3777	106	20	%	%	NOUN
fsr-3777	106	21	)	)	PUNCT
fsr-3777	106	22	resided	reside	VERB
fsr-3777	106	23	in	in	ADP
fsr-3777	106	24	the	the	DET
fsr-3777	106	25	midwest	midwest	NOUN
fsr-3777	106	26	,	,	PUNCT
fsr-3777	106	27	followed	follow	VERB
fsr-3777	106	28	by	by	ADP
fsr-3777	106	29	13	13	NUM
fsr-3777	106	30	%	%	NOUN
fsr-3777	106	31	from	from	ADP
fsr-3777	106	32	the	the	DET
fsr-3777	106	33	south	south	NOUN
fsr-3777	106	34	.	.	PUNCT
fsr-3777	107	1	the	the	DET
fsr-3777	107	2	charge	charge	NOUN
fsr-3777	107	3	-	-	PUNCT
fsr-3777	107	4	off	off	ADP
fsr-3777	107	5	sample	sample	NOUN
fsr-3777	107	6	included	include	VERB
fsr-3777	107	7	5,112	5,112	NUM
fsr-3777	107	8	standard	standard	ADJ
fsr-3777	107	9	accounts	account	NOUN
fsr-3777	107	10	,	,	PUNCT
fsr-3777	107	11	with	with	ADP
fsr-3777	107	12	65	65	NUM
fsr-3777	107	13	%	%	NOUN
fsr-3777	107	14	of	of	ADP
fsr-3777	107	15	cardholders	cardholder	NOUN
fsr-3777	107	16	residents	resident	NOUN
fsr-3777	107	17	of	of	ADP
fsr-3777	107	18	the	the	DET
fsr-3777	107	19	midwest	midwest	NOUN
fsr-3777	107	20	,	,	PUNCT
fsr-3777	107	21	followed	follow	VERB
fsr-3777	107	22	by	by	ADP
fsr-3777	107	23	24	24	NUM
fsr-3777	107	24	%	%	NOUN
fsr-3777	107	25	from	from	ADP
fsr-3777	107	26	the	the	DET
fsr-3777	107	27	south	south	NOUN
fsr-3777	107	28	.	.	PUNCT
fsr-3777	108	1	many	many	ADJ
fsr-3777	108	2	of	of	ADP
fsr-3777	108	3	the	the	DET
fsr-3777	108	4	accounts	account	NOUN
fsr-3777	108	5	in	in	ADP
fsr-3777	108	6	the	the	DET
fsr-3777	108	7	portfolio	portfolio	NOUN
fsr-3777	108	8	sample	sample	NOUN
fsr-3777	108	9	and	and	CCONJ
fsr-3777	108	10	the	the	DET
fsr-3777	108	11	charge	charge	NOUN
fsr-3777	108	12	-	-	PUNCT
fsr-3777	108	13	off	off	ADP
fsr-3777	108	14	data	datum	NOUN
fsr-3777	108	15	set	set	VERB
fsr-3777	108	16	were	be	AUX
fsr-3777	108	17	added	add	VERB
fsr-3777	108	18	to	to	ADP
fsr-3777	108	19	the	the	DET
fsr-3777	108	20	bank	bank	NOUN
fsr-3777	108	21	’s	’s	PART
fsr-3777	108	22	portfolio	portfolio	NOUN
fsr-3777	108	23	through	through	ADP
fsr-3777	108	24	acquisition	acquisition	NOUN
fsr-3777	108	25	of	of	ADP
fsr-3777	108	26	entire	entire	ADJ
fsr-3777	108	27	portfolios	portfolio	NOUN
fsr-3777	108	28	of	of	ADP
fsr-3777	108	29	other	other	ADJ
fsr-3777	108	30	financial	financial	ADJ
fsr-3777	108	31	institutions	institution	NOUN
fsr-3777	108	32	.	.	PUNCT
fsr-3777	109	1	thus	thus	ADV
fsr-3777	109	2	,	,	PUNCT
fsr-3777	109	3	the	the	DET
fsr-3777	109	4	two	two	NUM
fsr-3777	109	5	samples	sample	NOUN
fsr-3777	109	6	are	be	AUX
fsr-3777	109	7	representative	representative	ADJ
fsr-3777	109	8	of	of	ADP
fsr-3777	109	9	the	the	DET
fsr-3777	109	10	populations	population	NOUN
fsr-3777	109	11	of	of	ADP
fsr-3777	109	12	cardholders	cardholder	NOUN
fsr-3777	109	13	served	serve	VERB
fsr-3777	109	14	by	by	ADP
fsr-3777	109	15	the	the	DET
fsr-3777	109	16	banks	bank	NOUN
fsr-3777	109	17	involved	involve	VERB
fsr-3777	109	18	in	in	ADP
fsr-3777	109	19	the	the	DET
fsr-3777	109	20	transactions	transaction	NOUN
fsr-3777	109	21	.	.	PUNCT
fsr-3777	110	1	while	while	SCONJ
fsr-3777	110	2	these	these	DET
fsr-3777	110	3	distributions	distribution	NOUN
fsr-3777	110	4	of	of	ADP
fsr-3777	110	5	accounts	account	NOUN
fsr-3777	110	6	may	may	AUX
fsr-3777	110	7	not	not	PART
fsr-3777	110	8	be	be	AUX
fsr-3777	110	9	representative	representative	ADJ
fsr-3777	110	10	of	of	ADP
fsr-3777	110	11	the	the	DET
fsr-3777	110	12	u.s	u.s	PROPN
fsr-3777	110	13	.	.	PROPN
fsr-3777	110	14	population	population	NOUN
fsr-3777	110	15	of	of	ADP
fsr-3777	110	16	cardholders	cardholder	NOUN
fsr-3777	110	17	,	,	PUNCT
fsr-3777	110	18	valid	valid	ADJ
fsr-3777	110	19	inferences	inference	NOUN
fsr-3777	110	20	may	may	AUX
fsr-3777	110	21	be	be	AUX
fsr-3777	110	22	drawn	draw	VERB
fsr-3777	110	23	with	with	ADP
fsr-3777	110	24	regard	regard	NOUN
fsr-3777	110	25	to	to	ADP
fsr-3777	110	26	the	the	DET
fsr-3777	110	27	potential	potential	ADJ
fsr-3777	110	28	relationships	relationship	NOUN
fsr-3777	110	29	between	between	ADP
fsr-3777	110	30	variation	variation	NOUN
fsr-3777	110	31	in	in	ADP
fsr-3777	110	32	legal	legal	ADJ
fsr-3777	110	33	conditions	condition	NOUN
fsr-3777	110	34	and	and	CCONJ
fsr-3777	110	35	measures	measure	NOUN
fsr-3777	110	36	of	of	ADP
fsr-3777	110	37	cardholder	cardholder	NOUN
fsr-3777	110	38	behaviors	behavior	NOUN
fsr-3777	110	39	.	.	PUNCT
fsr-3777	111	1	b.	b.	PROPN
fsr-3777	111	2	charge	charge	NOUN
fsr-3777	111	3	-	-	PUNCT
fsr-3777	111	4	off	off	ADP
fsr-3777	111	5	experience	experience	NOUN
fsr-3777	111	6	in	in	ADP
fsr-3777	111	7	the	the	DET
fsr-3777	111	8	portfolio	portfolio	NOUN
fsr-3777	111	9	the	the	DET
fsr-3777	111	10	bank	bank	NOUN
fsr-3777	111	11	was	be	AUX
fsr-3777	111	12	observing	observe	VERB
fsr-3777	111	13	its	its	PRON
fsr-3777	111	14	normal	normal	ADJ
fsr-3777	111	15	charge	charge	NOUN
fsr-3777	111	16	-	-	PUNCT
fsr-3777	111	17	off	off	NOUN
fsr-3777	111	18	and	and	CCONJ
fsr-3777	111	19	collection	collection	NOUN
fsr-3777	111	20	procedures	procedure	NOUN
fsr-3777	111	21	in	in	ADP
fsr-3777	111	22	1990	1990	NUM
fsr-3777	111	23	and	and	CCONJ
fsr-3777	111	24	199	199	NUM
fsr-3777	111	25	1	1	NUM
fsr-3777	111	26	,	,	PUNCT
fsr-3777	111	27	thus	thus	ADV
fsr-3777	111	28	allowing	allow	VERB
fsr-3777	111	29	observations	observation	NOUN
fsr-3777	111	30	based	base	VERB
fsr-3777	111	31	on	on	ADP
fsr-3777	111	32	those	those	DET
fsr-3777	111	33	data	datum	NOUN
fsr-3777	111	34	to	to	PART
fsr-3777	111	35	be	be	AUX
fsr-3777	111	36	representative	representative	NOUN
fsr-3777	111	37	of	of	ADP
fsr-3777	111	38	default	default	NOUN
fsr-3777	111	39	behavior	behavior	NOUN
fsr-3777	111	40	across	across	ADP
fsr-3777	111	41	time	time	NOUN
fsr-3777	111	42	.	.	PUNCT
fsr-3777	112	1	the	the	DET
fsr-3777	112	2	lender	lender	NOUN
fsr-3777	112	3	typically	typically	ADV
fsr-3777	112	4	classified	classify	VERB
fsr-3777	112	5	an	an	DET
fsr-3777	112	6	account	account	NOUN
fsr-3777	112	7	as	as	SCONJ
fsr-3777	112	8	“	"	PUNCT
fsr-3777	112	9	charged	charge	VERB
fsr-3777	112	10	off	off	ADP
fsr-3777	112	11	’	'	PUNCT
fsr-3777	112	12	after	after	SCONJ
fsr-3777	112	13	a	a	DET
fsr-3777	112	14	standard	standard	ADJ
fsr-3777	112	15	period	period	NOUN
fsr-3777	112	16	of	of	ADP
fsr-3777	112	17	time	time	NOUN
fsr-3777	112	18	had	have	AUX
fsr-3777	112	19	elapsed	elapse	VERB
fsr-3777	112	20	with	with	ADP
fsr-3777	112	21	no	no	DET
fsr-3777	112	22	payments	payment	NOUN
fsr-3777	112	23	having	having	AUX
fsr-3777	112	24	been	be	AUX
fsr-3777	112	25	received	receive	VERB
fsr-3777	112	26	,	,	PUNCT
fsr-3777	112	27	when	when	SCONJ
fsr-3777	112	28	fraudulent	fraudulent	ADJ
fsr-3777	112	29	card	card	NOUN
fsr-3777	112	30	use	use	NOUN
fsr-3777	112	31	was	be	AUX
fsr-3777	112	32	reported	report	VERB
fsr-3777	112	33	,	,	PUNCT
fsr-3777	112	34	or	or	CCONJ
fsr-3777	112	35	when	when	SCONJ
fsr-3777	112	36	a	a	DET
fsr-3777	112	37	notice	notice	NOUN
fsr-3777	112	38	was	be	AUX
fsr-3777	112	39	received	receive	VERB
fsr-3777	112	40	that	that	SCONJ
fsr-3777	112	41	a	a	DET
fsr-3777	112	42	petition	petition	NOUN
fsr-3777	112	43	for	for	ADP
fsr-3777	112	44	bankruptcy	bankruptcy	NOUN
fsr-3777	112	45	had	have	AUX
fsr-3777	112	46	been	be	AUX
fsr-3777	112	47	filed	file	VERB
fsr-3777	112	48	by	by	ADP
fsr-3777	112	49	the	the	DET
fsr-3777	112	50	cardholder	cardholder	NOUN
fsr-3777	112	51	or	or	CCONJ
fsr-3777	112	52	that	that	SCONJ
fsr-3777	112	53	the	the	DET
fsr-3777	112	54	card	card	NOUN
fsr-3777	112	55	holder	holder	NOUN
fsr-3777	112	56	had	have	AUX
fsr-3777	112	57	died	die	VERB
fsr-3777	112	58	.	.	PUNCT
fsr-3777	113	1	in	in	ADP
fsr-3777	113	2	the	the	DET
fsr-3777	113	3	random	random	ADJ
fsr-3777	113	4	sample	sample	NOUN
fsr-3777	113	5	of	of	ADP
fsr-3777	113	6	active	active	ADJ
fsr-3777	113	7	standard	standard	ADJ
fsr-3777	113	8	accounts	account	NOUN
fsr-3777	113	9	,	,	PUNCT
fsr-3777	113	10	1.9	1.9	NUM
fsr-3777	113	11	%	%	NOUN
fsr-3777	113	12	of	of	ADP
fsr-3777	113	13	accounts	account	NOUN
fsr-3777	113	14	were	be	AUX
fsr-3777	113	15	charged	charge	VERB
fsr-3777	113	16	off	off	ADP
fsr-3777	113	17	in	in	ADP
fsr-3777	113	18	1991	1991	NUM
fsr-3777	113	19	;	;	PUNCT
fsr-3777	113	20	excluding	exclude	VERB
fsr-3777	113	21	death	death	NOUN
fsr-3777	113	22	and	and	CCONJ
fsr-3777	113	23	fraud	fraud	NOUN
fsr-3777	113	24	as	as	ADP
fsr-3777	113	25	reasons	reason	NOUN
fsr-3777	113	26	for	for	ADP
fsr-3777	113	27	charge	charge	NOUN
fsr-3777	113	28	-	-	PUNCT
fsr-3777	113	29	off	off	NOUN
fsr-3777	113	30	reduced	reduce	VERB
fsr-3777	113	31	that	that	DET
fsr-3777	113	32	figure	figure	NOUN
fsr-3777	113	33	to	to	ADP
fsr-3777	113	34	1.4	1.4	NUM
fsr-3777	113	35	%	%	NOUN
fsr-3777	113	36	of	of	ADP
fsr-3777	113	37	active	active	ADJ
fsr-3777	113	38	accounts	account	NOUN
fsr-3777	113	39	.	.	PUNCT
fsr-3777	114	1	(	(	PUNCT
fsr-3777	114	2	all	all	DET
fsr-3777	114	3	charge	charge	NOUN
fsr-3777	114	4	-	-	PUNCT
fsr-3777	114	5	off	off	ADP
fsr-3777	114	6	statistics	statistic	NOUN
fsr-3777	114	7	in	in	ADP
fsr-3777	114	8	this	this	DET
fsr-3777	114	9	analysis	analysis	NOUN
fsr-3777	114	10	exclude	exclude	VERB
fsr-3777	114	11	those	those	DET
fsr-3777	114	12	accounts	account	NOUN
fsr-3777	114	13	charged	charge	VERB
fsr-3777	114	14	off	off	ADP
fsr-3777	114	15	due	due	ADP
fsr-3777	114	16	to	to	ADP
fsr-3777	114	17	fraud	fraud	NOUN
fsr-3777	114	18	or	or	CCONJ
fsr-3777	114	19	the	the	DET
fsr-3777	114	20	death	death	NOUN
fsr-3777	114	21	of	of	ADP
fsr-3777	114	22	the	the	DET
fsr-3777	114	23	principal	principal	ADJ
fsr-3777	114	24	cardholder	cardholder	NOUN
fsr-3777	114	25	.	.	PUNCT
fsr-3777	114	26	)	)	PUNCT
fsr-3777	115	1	the	the	DET
fsr-3777	115	2	initial	initial	ADJ
fsr-3777	115	3	charge	charge	NOUN
fsr-3777	115	4	-	-	PUNCT
fsr-3777	115	5	off	off	ADP
fsr-3777	115	6	action	action	NOUN
fsr-3777	115	7	for	for	ADP
fsr-3777	115	8	67.6	67.6	NUM
fsr-3777	115	9	%	%	NOUN
fsr-3777	115	10	of	of	ADP
fsr-3777	115	11	the	the	DET
fsr-3777	115	12	charged	charge	VERB
fsr-3777	115	13	-	-	PUNCT
fsr-3777	115	14	off	off	ADP
fsr-3777	115	15	accounts	account	NOUN
fsr-3777	115	16	was	be	AUX
fsr-3777	115	17	attributed	attribute	VERB
fsr-3777	115	18	to	to	ADP
fsr-3777	115	19	severe	severe	ADJ
fsr-3777	115	20	delinquency	delinquency	NOUN
fsr-3777	115	21	.	.	PUNCT
fsr-3777	116	1	about	about	ADV
fsr-3777	116	2	9	9	NUM
fsr-3777	116	3	%	%	NOUN
fsr-3777	116	4	of	of	ADP
fsr-3777	116	5	those	those	DET
fsr-3777	116	6	accounts	account	NOUN
fsr-3777	116	7	tiled	tile	VERB
fsr-3777	116	8	for	for	ADP
fsr-3777	116	9	bankruptcy	bankruptcy	NOUN
fsr-3777	116	10	protection	protection	NOUN
fsr-3777	116	11	after	after	SCONJ
fsr-3777	116	12	the	the	DET
fsr-3777	116	13	creditor	creditor	NOUN
fsr-3777	116	14	started	start	VERB
fsr-3777	116	15	collection	collection	NOUN
fsr-3777	116	16	efforts	effort	NOUN
fsr-3777	116	17	.	.	PUNCT
fsr-3777	117	1	ultimately	ultimately	ADV
fsr-3777	117	2	,	,	PUNCT
fsr-3777	117	3	61.4	61.4	NUM
fsr-3777	117	4	%	%	NOUN
fsr-3777	117	5	of	of	ADP
fsr-3777	117	6	accounts	account	NOUN
fsr-3777	117	7	charged	charge	VERB
fsr-3777	117	8	off	off	ADP
fsr-3777	117	9	in	in	ADP
fsr-3777	117	10	199	199	NUM
fsr-3777	117	11	1	1	NUM
fsr-3777	117	12	were	be	AUX
fsr-3777	117	13	attributed	attribute	VERB
fsr-3777	117	14	to	to	ADP
fsr-3777	117	15	severe	severe	ADJ
fsr-3777	117	16	delinquency	delinquency	NOUN
fsr-3777	117	17	;	;	PUNCT
fsr-3777	117	18	32.4	32.4	NUM
fsr-3777	117	19	%	%	NOUN
fsr-3777	117	20	were	be	AUX
fsr-3777	117	21	attributed	attribute	VERB
fsr-3777	117	22	to	to	ADP
fsr-3777	117	23	a	a	DET
fsr-3777	117	24	chapter	chapter	NOUN
fsr-3777	117	25	7	7	NUM
fsr-3777	117	26	filing	filing	NOUN
fsr-3777	117	27	under	under	ADP
fsr-3777	117	28	the	the	DET
fsr-3777	117	29	bankruptcy	bankruptcy	NOUN
fsr-3777	117	30	code	code	NOUN
fsr-3777	117	31	,	,	PUNCT
fsr-3777	117	32	and	and	CCONJ
fsr-3777	117	33	6.2	6.2	NUM
fsr-3777	117	34	%	%	NOUN
fsr-3777	117	35	were	be	AUX
fsr-3777	117	36	bankruptcies	bankruptcy	NOUN
fsr-3777	117	37	filed	file	VERB
fsr-3777	117	38	under	under	ADP
fsr-3777	117	39	chapter	chapter	NOUN
fsr-3777	117	40	13	13	NUM
fsr-3777	117	41	.	.	PUNCT
fsr-3777	118	1	c.	c.	NOUN
fsr-3777	118	2	variability	variability	NOUN
fsr-3777	118	3	in	in	ADP
fsr-3777	118	4	legal	legal	ADJ
fsr-3777	118	5	conditions	condition	NOUN
fsr-3777	118	6	within	within	ADP
fsr-3777	118	7	the	the	DET
fsr-3777	118	8	portfolio	portfolio	NOUN
fsr-3777	118	9	,	,	PUNCT
fsr-3777	118	10	the	the	DET
fsr-3777	118	11	creditor	creditor	NOUN
fsr-3777	118	12	was	be	AUX
fsr-3777	118	13	exposed	expose	VERB
fsr-3777	118	14	to	to	ADP
fsr-3777	118	15	considerable	considerable	ADJ
fsr-3777	118	16	state	state	NOUN
fsr-3777	118	17	-	-	PUNCT
fsr-3777	118	18	by	by	ADP
fsr-3777	118	19	-	-	PUNCT
fsr-3777	118	20	state	state	NOUN
fsr-3777	118	21	variability	variability	NOUN
fsr-3777	118	22	in	in	ADP
fsr-3777	118	23	garnishment	garnishment	NOUN
fsr-3777	118	24	rules	rule	NOUN
fsr-3777	118	25	and	and	CCONJ
fsr-3777	118	26	asset	asset	NOUN
fsr-3777	118	27	exemption	exemption	NOUN
fsr-3777	118	28	allowances	allowance	NOUN
fsr-3777	118	29	.	.	PUNCT
fsr-3777	119	1	in	in	ADP
fsr-3777	119	2	states	state	NOUN
fsr-3777	119	3	that	that	PRON
fsr-3777	119	4	restricted	restrict	VERB
fsr-3777	119	5	garnishment	garnishment	NOUN
fsr-3777	119	6	more	more	ADV
fsr-3777	119	7	severely	severely	ADV
fsr-3777	119	8	than	than	ADP
fsr-3777	119	9	the	the	DET
fsr-3777	119	10	federal	federal	ADJ
fsr-3777	119	11	rule	rule	NOUN
fsr-3777	119	12	and	and	CCONJ
fsr-3777	119	13	where	where	SCONJ
fsr-3777	119	14	asset	asset	NOUN
fsr-3777	119	15	exemptions	exemption	NOUN
fsr-3777	119	16	were	be	AUX
fsr-3777	119	17	set	set	VERB
fsr-3777	119	18	at	at	ADP
fsr-3777	119	19	or	or	CCONJ
fsr-3777	119	20	above	above	ADP
fsr-3777	119	21	the	the	DET
fsr-3777	119	22	federal	federal	ADJ
fsr-3777	119	23	level	level	NOUN
fsr-3777	119	24	,	,	PUNCT
fsr-3777	119	25	a	a	DET
fsr-3777	119	26	pro	pro	ADJ
fsr-3777	119	27	debtor	debtor	NOUN
fsr-3777	119	28	legal	legal	ADJ
fsr-3777	119	29	framework	framework	NOUN
fsr-3777	119	30	for	for	ADP
fsr-3777	119	31	default	default	NOUN
fsr-3777	119	32	was	be	AUX
fsr-3777	119	33	said	say	VERB
fsr-3777	119	34	to	to	PART
fsr-3777	119	35	have	have	AUX
fsr-3777	119	36	existed	exist	VERB
fsr-3777	119	37	for	for	ADP
fsr-3777	119	38	purposes	purpose	NOUN
fsr-3777	119	39	of	of	ADP
fsr-3777	119	40	the	the	DET
fsr-3777	119	41	present	present	ADJ
fsr-3777	119	42	analysis	analysis	NOUN
fsr-3777	119	43	.	.	PUNCT
fsr-3777	120	1	in	in	ADP
fsr-3777	120	2	those	those	DET
fsr-3777	120	3	states	state	NOUN
fsr-3777	120	4	,	,	PUNCT
fsr-3777	120	5	creditors	creditor	NOUN
fsr-3777	120	6	’	'	PUNCT
fsr-3777	120	7	access	access	NOUN
fsr-3777	120	8	to	to	ADP
fsr-3777	120	9	cash	cash	NOUN
fsr-3777	120	10	recovery	recovery	NOUN
fsr-3777	120	11	is	be	AUX
fsr-3777	120	12	limited	limit	VERB
fsr-3777	120	13	,	,	PUNCT
fsr-3777	120	14	making	make	VERB
fsr-3777	120	15	the	the	DET
fsr-3777	120	16	expected	expect	VERB
fsr-3777	120	17	value	value	NOUN
fsr-3777	120	18	of	of	ADP
fsr-3777	120	19	the	the	DET
fsr-3777	120	20	debtor	debtor	NOUN
fsr-3777	120	21	’s	’s	PART
fsr-3777	120	22	default	default	NOUN
fsr-3777	120	23	option	option	NOUN
fsr-3777	120	24	comparatively	comparatively	ADV
fsr-3777	120	25	high	high	ADJ
fsr-3777	120	26	.	.	PUNCT
fsr-3777	121	1	about	about	ADV
fsr-3777	121	2	40.6	40.6	NUM
fsr-3777	121	3	%	%	NOUN
fsr-3777	121	4	of	of	ADP
fsr-3777	121	5	the	the	DET
fsr-3777	121	6	charge	charge	NOUN
fsr-3777	121	7	-	-	PUNCT
fsr-3777	121	8	off	off	ADP
fsr-3777	121	9	accounts	account	NOUN
fsr-3777	121	10	in	in	ADP
fsr-3777	121	11	the	the	DET
fsr-3777	121	12	portfolio	portfolio	NOUN
fsr-3777	121	13	involved	involve	VERB
fsr-3777	121	14	cardholders	cardholder	NOUN
fsr-3777	121	15	residing	reside	VERB
fsr-3777	121	16	in	in	ADP
fsr-3777	121	17	pro	pro	ADJ
fsr-3777	121	18	debtor	debtor	NOUN
fsr-3777	121	19	states	state	NOUN
fsr-3777	121	20	(	(	PUNCT
fsr-3777	121	21	see	see	VERB
fsr-3777	121	22	table	table	NOUN
fsr-3777	121	23	1	1	NUM
fsr-3777	121	24	)	)	PUNCT
fsr-3777	121	25	.	.	PUNCT
fsr-3777	122	1	about	about	ADV
fsr-3777	122	2	36.3	36.3	NUM
fsr-3777	122	3	%	%	NOUN
fsr-3777	122	4	of	of	ADP
fsr-3777	122	5	charge	charge	NOUN
fsr-3777	122	6	-	-	PUNCT
fsr-3777	122	7	offs	off	NOUN
fsr-3777	122	8	in	in	ADP
fsr-3777	122	9	the	the	DET
fsr-3777	122	10	portfolio	portfolio	NOUN
fsr-3777	122	11	originated	originate	VERB
fsr-3777	122	12	in	in	ADP
fsr-3777	122	13	states	state	NOUN
fsr-3777	122	14	with	with	ADP
fsr-3777	122	15	strict	strict	ADJ
fsr-3777	122	16	exemption	exemption	NOUN
fsr-3777	122	17	allowances	allowance	NOUN
fsr-3777	122	18	and	and	CCONJ
fsr-3777	122	19	the	the	DET
fsr-3777	122	20	federal	federal	ADJ
fsr-3777	122	21	allowance	allowance	NOUN
fsr-3777	122	22	for	for	ADP
fsr-3777	122	23	garnishment	garnishment	NOUN
fsr-3777	122	24	.	.	PUNCT
fsr-3777	123	1	these	these	PRON
fsr-3777	123	2	were	be	AUX
fsr-3777	123	3	characterized	characterize	VERB
fsr-3777	123	4	as	as	ADP
fsr-3777	123	5	pro	pro	ADJ
fsr-3777	123	6	creditor	creditor	NOUN
fsr-3777	123	7	states	state	NOUN
fsr-3777	123	8	,	,	PUNCT
fsr-3777	123	9	where	where	SCONJ
fsr-3777	123	10	the	the	DET
fsr-3777	123	11	option	option	NOUN
fsr-3777	123	12	to	to	PART
fsr-3777	123	13	default	default	VERB
fsr-3777	123	14	would	would	AUX
fsr-3777	123	15	have	have	VERB
fsr-3777	123	16	comparatively	comparatively	ADV
fsr-3777	123	17	less	less	ADJ
fsr-3777	123	18	value	value	NOUN
fsr-3777	123	19	,	,	PUNCT
fsr-3777	123	20	holding	hold	VERB
fsr-3777	123	21	other	other	ADJ
fsr-3777	123	22	things	thing	NOUN
fsr-3777	123	23	constant	constant	ADJ
fsr-3777	123	24	.	.	PUNCT
fsr-3777	124	1	about	about	ADV
fsr-3777	124	2	23	23	NUM
fsr-3777	124	3	%	%	NOUN
fsr-3777	124	4	of	of	ADP
fsr-3777	124	5	charge	charge	NOUN
fsr-3777	124	6	-	-	PUNCT
fsr-3777	124	7	off	off	ADP
fsr-3777	124	8	cases	case	NOUN
fsr-3777	124	9	occurred	occur	VERB
fsr-3777	124	10	in	in	ADP
fsr-3777	124	11	states	state	NOUN
fsr-3777	124	12	that	that	PRON
fsr-3777	124	13	followed	follow	VERB
fsr-3777	124	14	the	the	DET
fsr-3777	124	15	federal	federal	ADJ
fsr-3777	124	16	guideline	guideline	NOUN
fsr-3777	124	17	for	for	ADP
fsr-3777	124	18	garnishment	garnishment	NOUN
fsr-3777	124	19	but	but	CCONJ
fsr-3777	124	20	had	have	VERB
fsr-3777	124	21	high	high	ADJ
fsr-3777	124	22	exemption	exemption	NOUN
fsr-3777	124	23	allowances	allowance	NOUN
fsr-3777	124	24	,	,	PUNCT
fsr-3777	124	25	characterized	characterize	VERB
fsr-3777	124	26	as	as	ADP
fsr-3777	124	27	mixed	mixed	ADJ
fsr-3777	124	28	-	-	PUNCT
fsr-3777	124	29	message	message	NOUN
fsr-3777	124	30	states	state	NOUN
fsr-3777	124	31	in	in	ADP
fsr-3777	124	32	this	this	DET
fsr-3777	124	33	study	study	NOUN
fsr-3777	124	34	.	.	PUNCT
fsr-3777	125	1	this	this	DET
fsr-3777	125	2	distribution	distribution	NOUN
fsr-3777	125	3	was	be	AUX
fsr-3777	125	4	similar	similar	ADJ
fsr-3777	125	5	to	to	ADP
fsr-3777	125	6	that	that	PRON
fsr-3777	125	7	of	of	ADP
fsr-3777	125	8	the	the	DET
fsr-3777	125	9	portfolio	portfolio	NOUN
fsr-3777	125	10	sample	sample	NOUN
fsr-3777	125	11	,	,	PUNCT
fsr-3777	125	12	as	as	SCONJ
fsr-3777	125	13	shown	show	VERB
fsr-3777	125	14	in	in	ADP
fsr-3777	125	15	table	table	NOUN
fsr-3777	125	16	1	1	NUM
fsr-3777	125	17	.	.	PUNCT
fsr-3777	125	18	credit	credit	NOUN
fsr-3777	125	19	cards	card	NOUN
fsr-3777	125	20	and	and	CCONJ
fsr-3777	125	21	the	the	DET
fsr-3777	125	22	option	option	NOUN
fsr-3777	125	23	to	to	PART
fsr-3777	125	24	default	default	VERB
fsr-3777	125	25	129	129	NUM
fsr-3777	125	26	table	table	NOUN
fsr-3777	125	27	1	1	NUM
fsr-3777	125	28	accounts	account	NOUN
fsr-3777	125	29	opened	open	VERB
fsr-3777	125	30	prior	prior	ADV
fsr-3777	125	31	to	to	ADP
fsr-3777	125	32	1990	1990	NUM
fsr-3777	125	33	total	total	NOUN
fsr-3777	125	34	sample	sample	NOUN
fsr-3777	125	35	charge	charge	VERB
fsr-3777	125	36	off	off	ADP
fsr-3777	125	37	sample	sample	NOUN
fsr-3777	125	38	legal	legal	ADJ
fsr-3777	125	39	conditions	condition	NOUN
fsr-3777	125	40	n	n	NOUN
fsr-3777	125	41	=	=	SYM
fsr-3777	125	42	3519	3519	NUM
fsr-3777	125	43	n	n	PROPN
fsr-3777	125	44	=	=	SYM
fsr-3777	125	45	5112	5112	NUM
fsr-3777	125	46	pro	pro	ADJ
fsr-3777	125	47	debtor	debtor	NOUN
fsr-3777	125	48	42.1	42.1	NUM
fsr-3777	125	49	%	%	NOUN
fsr-3777	125	50	40.6	40.6	NUM
fsr-3777	125	51	%	%	NOUN
fsr-3777	125	52	mixed	mixed	ADJ
fsr-3777	125	53	message	message	NOUN
fsr-3777	125	54	23.8	23.8	NUM
fsr-3777	125	55	23.1	23.1	NUM
fsr-3777	125	56	pro	pro	ADJ
fsr-3777	125	57	creditor	creditor	NOUN
fsr-3777	125	58	33.2	33.2	NUM
fsr-3777	125	59	36.3	36.3	NUM
fsr-3777	125	60	d.	d.	PROPN
fsr-3777	125	61	legal	legal	ADJ
fsr-3777	125	62	restrictions	restriction	NOUN
fsr-3777	125	63	and	and	CCONJ
fsr-3777	125	64	charge	charge	NOUN
fsr-3777	125	65	-	-	PUNCT
fsr-3777	125	66	off	off	ADP
fsr-3777	125	67	rate	rate	NOUN
fsr-3777	125	68	the	the	DET
fsr-3777	125	69	results	result	NOUN
fsr-3777	125	70	of	of	ADP
fsr-3777	125	71	research	research	NOUN
fsr-3777	125	72	cited	cite	VERB
fsr-3777	125	73	earlier	early	ADV
fsr-3777	125	74	suggest	suggest	VERB
fsr-3777	125	75	that	that	SCONJ
fsr-3777	125	76	lenders	lender	NOUN
fsr-3777	125	77	may	may	AUX
fsr-3777	125	78	adjust	adjust	VERB
fsr-3777	125	79	their	their	PRON
fsr-3777	125	80	credit	credit	NOUN
fsr-3777	125	81	standards	standard	NOUN
fsr-3777	125	82	to	to	PART
fsr-3777	125	83	manage	manage	VERB
fsr-3777	125	84	imbalances	imbalance	NOUN
fsr-3777	125	85	in	in	ADP
fsr-3777	125	86	risk	risk	NOUN
fsr-3777	125	87	and	and	CCONJ
fsr-3777	125	88	expected	expect	VERB
fsr-3777	125	89	return	return	NOUN
fsr-3777	125	90	that	that	PRON
fsr-3777	125	91	may	may	AUX
fsr-3777	125	92	be	be	AUX
fsr-3777	125	93	created	create	VERB
fsr-3777	125	94	by	by	ADP
fsr-3777	125	95	legal	legal	ADJ
fsr-3777	125	96	conditions	condition	NOUN
fsr-3777	125	97	that	that	PRON
fsr-3777	125	98	influence	influence	VERB
fsr-3777	125	99	the	the	DET
fsr-3777	125	100	value	value	NOUN
fsr-3777	125	101	of	of	ADP
fsr-3777	125	102	the	the	DET
fsr-3777	125	103	debtors	debtor	NOUN
fsr-3777	125	104	’	’	PART
fsr-3777	125	105	default	default	NOUN
fsr-3777	125	106	option	option	NOUN
fsr-3777	125	107	.	.	PUNCT
fsr-3777	126	1	the	the	DET
fsr-3777	126	2	data	datum	NOUN
fsr-3777	126	3	in	in	ADP
fsr-3777	126	4	table	table	NOUN
fsr-3777	126	5	2	2	NUM
fsr-3777	126	6	show	show	VERB
fsr-3777	126	7	that	that	SCONJ
fsr-3777	126	8	in	in	ADP
fsr-3777	126	9	this	this	DET
fsr-3777	126	10	portfolio	portfolio	NOUN
fsr-3777	126	11	,	,	PUNCT
fsr-3777	126	12	the	the	DET
fsr-3777	126	13	charge	charge	NOUN
fsr-3777	126	14	-	-	PUNCT
fsr-3777	126	15	off	off	ADP
fsr-3777	126	16	rate	rate	NOUN
fsr-3777	126	17	,	,	PUNCT
fsr-3777	126	18	or	or	CCONJ
fsr-3777	126	19	the	the	DET
fsr-3777	126	20	number	number	NOUN
fsr-3777	126	21	of	of	ADP
fsr-3777	126	22	charged	charge	VERB
fsr-3777	126	23	-	-	PUNCT
fsr-3777	126	24	off	off	ADP
fsr-3777	126	25	accounts	account	NOUN
fsr-3777	126	26	as	as	ADP
fsr-3777	126	27	a	a	DET
fsr-3777	126	28	percentage	percentage	NOUN
fsr-3777	126	29	of	of	ADP
fsr-3777	126	30	total	total	ADJ
fsr-3777	126	31	active	active	ADJ
fsr-3777	126	32	accounts	account	NOUN
fsr-3777	126	33	,	,	PUNCT
fsr-3777	126	34	does	do	AUX
fsr-3777	126	35	not	not	PART
fsr-3777	126	36	vary	vary	VERB
fsr-3777	126	37	significantly	significantly	ADV
fsr-3777	126	38	across	across	ADP
fsr-3777	126	39	legal	legal	ADJ
fsr-3777	126	40	conditions	condition	NOUN
fsr-3777	126	41	.	.	PUNCT
fsr-3777	127	1	neither	neither	DET
fsr-3777	127	2	variation	variation	NOUN
fsr-3777	127	3	in	in	ADP
fsr-3777	127	4	garnishment	garnishment	NOUN
fsr-3777	127	5	rules	rule	NOUN
fsr-3777	127	6	nor	nor	CCONJ
fsr-3777	127	7	in	in	ADP
fsr-3777	127	8	asset	asset	NOUN
fsr-3777	127	9	exemption	exemption	NOUN
fsr-3777	127	10	allowances	allowance	NOUN
fsr-3777	127	11	is	be	AUX
fsr-3777	127	12	statistically	statistically	ADV
fsr-3777	127	13	associated	associate	VERB
fsr-3777	127	14	with	with	ADP
fsr-3777	127	15	variation	variation	NOUN
fsr-3777	127	16	in	in	ADP
fsr-3777	127	17	charge	charge	NOUN
fsr-3777	127	18	-	-	PUNCT
fsr-3777	127	19	off	off	ADP
fsr-3777	127	20	rates	rate	NOUN
fsr-3777	127	21	.	.	PUNCT
fsr-3777	128	1	in	in	ADP
fsr-3777	128	2	other	other	ADJ
fsr-3777	128	3	words	word	NOUN
fsr-3777	128	4	,	,	PUNCT
fsr-3777	128	5	legal	legal	ADJ
fsr-3777	128	6	conditions	condition	NOUN
fsr-3777	128	7	that	that	PRON
fsr-3777	128	8	were	be	AUX
fsr-3777	128	9	expected	expect	VERB
fsr-3777	128	10	to	to	PART
fsr-3777	128	11	have	have	VERB
fsr-3777	128	12	an	an	DET
fsr-3777	128	13	influence	influence	NOUN
fsr-3777	128	14	on	on	ADP
fsr-3777	128	15	the	the	DET
fsr-3777	128	16	borrowers	borrower	NOUN
fsr-3777	128	17	’	’	PART
fsr-3777	128	18	incentive	incentive	NOUN
fsr-3777	128	19	to	to	PART
fsr-3777	128	20	default	default	VERB
fsr-3777	128	21	have	have	AUX
fsr-3777	128	22	been	be	AUX
fsr-3777	128	23	apparently	apparently	ADV
fsr-3777	128	24	offset	offset	VERB
fsr-3777	128	25	by	by	ADP
fsr-3777	128	26	adjustments	adjustment	NOUN
fsr-3777	128	27	in	in	ADP
fsr-3777	128	28	credit	credit	NOUN
fsr-3777	128	29	underwriting	underwriting	NOUN
fsr-3777	128	30	standards	standard	NOUN
fsr-3777	128	31	,	,	PUNCT
fsr-3777	128	32	eliminating	eliminate	VERB
fsr-3777	128	33	significant	significant	ADJ
fsr-3777	128	34	cross	cross	NOUN
fsr-3777	128	35	state	state	NOUN
fsr-3777	128	36	variation	variation	NOUN
fsr-3777	128	37	in	in	ADP
fsr-3777	128	38	charge	charge	NOUN
fsr-3777	128	39	-	-	PUNCT
fsr-3777	128	40	off	off	ADP
fsr-3777	128	41	experience	experience	NOUN
fsr-3777	128	42	.	.	PUNCT
fsr-3777	129	1	however	however	ADV
fsr-3777	129	2	,	,	PUNCT
fsr-3777	129	3	the	the	DET
fsr-3777	129	4	charge	charge	NOUN
fsr-3777	129	5	-	-	PUNCT
fsr-3777	129	6	off	off	ADP
fsr-3777	129	7	rates	rate	NOUN
fsr-3777	129	8	for	for	ADP
fsr-3777	129	9	the	the	DET
fsr-3777	129	10	whole	whole	ADJ
fsr-3777	129	11	portfolio	portfolio	NOUN
fsr-3777	129	12	do	do	AUX
fsr-3777	129	13	not	not	PART
fsr-3777	129	14	reveal	reveal	VERB
fsr-3777	129	15	the	the	DET
fsr-3777	129	16	whole	whole	ADJ
fsr-3777	129	17	story	story	NOUN
fsr-3777	129	18	concerning	concern	VERB
fsr-3777	129	19	the	the	DET
fsr-3777	129	20	value	value	NOUN
fsr-3777	129	21	of	of	ADP
fsr-3777	129	22	the	the	DET
fsr-3777	129	23	default	default	NOUN
fsr-3777	129	24	option	option	NOUN
fsr-3777	129	25	and	and	CCONJ
fsr-3777	129	26	its	its	PRON
fsr-3777	129	27	effect	effect	NOUN
fsr-3777	129	28	on	on	ADP
fsr-3777	129	29	the	the	DET
fsr-3777	129	30	behavior	behavior	NOUN
fsr-3777	129	31	of	of	ADP
fsr-3777	129	32	debtors	debtor	NOUN
fsr-3777	129	33	.	.	PUNCT
fsr-3777	130	1	that	that	DET
fsr-3777	130	2	story	story	NOUN
fsr-3777	130	3	is	be	AUX
fsr-3777	130	4	revealed	reveal	VERB
fsr-3777	130	5	by	by	ADP
fsr-3777	130	6	examining	examine	VERB
fsr-3777	130	7	defaulted	defaulted	ADJ
fsr-3777	130	8	debtors	debtor	NOUN
fsr-3777	130	9	’	’	PART
fsr-3777	130	10	choices	choice	NOUN
fsr-3777	130	11	before	before	ADP
fsr-3777	130	12	and	and	CCONJ
fsr-3777	130	13	during	during	ADP
fsr-3777	130	14	charge	charge	NOUN
fsr-3777	130	15	-	-	PUNCT
fsr-3777	130	16	off	off	NOUN
fsr-3777	130	17	.	.	PUNCT
fsr-3777	131	1	we	we	PRON
fsr-3777	131	2	hypothesize	hypothesize	VERB
fsr-3777	131	3	that	that	SCONJ
fsr-3777	131	4	debtors	debtor	NOUN
fsr-3777	131	5	make	make	VERB
fsr-3777	131	6	choices	choice	NOUN
fsr-3777	131	7	in	in	ADP
fsr-3777	131	8	default	default	NOUN
fsr-3777	131	9	that	that	PRON
fsr-3777	131	10	will	will	AUX
fsr-3777	131	11	maximize	maximize	VERB
fsr-3777	131	12	the	the	DET
fsr-3777	131	13	expected	expect	VERB
fsr-3777	131	14	value	value	NOUN
fsr-3777	131	15	of	of	ADP
fsr-3777	131	16	their	their	PRON
fsr-3777	131	17	option	option	NOUN
fsr-3777	131	18	to	to	PART
fsr-3777	131	19	default	default	VERB
fsr-3777	131	20	.	.	PUNCT
fsr-3777	132	1	furthermore	furthermore	ADV
fsr-3777	132	2	,	,	PUNCT
fsr-3777	132	3	we	we	PRON
fsr-3777	132	4	hypothesize	hypothesize	VERB
fsr-3777	132	5	that	that	SCONJ
fsr-3777	132	6	debtors	debtor	NOUN
fsr-3777	132	7	’	'	PUNCT
fsr-3777	132	8	pre	pre	ADJ
fsr-3777	132	9	-	-	ADJ
fsr-3777	132	10	default	default	ADJ
fsr-3777	132	11	card	card	NOUN
fsr-3777	132	12	use	use	NOUN
fsr-3777	132	13	behavior	behavior	NOUN
fsr-3777	132	14	is	be	AUX
fsr-3777	132	15	correlated	correlate	VERB
fsr-3777	132	16	with	with	ADP
fsr-3777	132	17	the	the	DET
fsr-3777	132	18	expected	expect	VERB
fsr-3777	132	19	value	value	NOUN
fsr-3777	132	20	of	of	ADP
fsr-3777	132	21	their	their	PRON
fsr-3777	132	22	default	default	NOUN
fsr-3777	132	23	option	option	NOUN
fsr-3777	132	24	;	;	PUNCT
fsr-3777	132	25	that	that	PRON
fsr-3777	132	26	is	be	AUX
fsr-3777	132	27	,	,	PUNCT
fsr-3777	132	28	cardholders	cardholder	NOUN
fsr-3777	132	29	who	who	PRON
fsr-3777	132	30	use	use	VERB
fsr-3777	132	31	their	their	PRON
fsr-3777	132	32	cards	card	NOUN
fsr-3777	132	33	aggressively	aggressively	ADV
fsr-3777	132	34	for	for	ADP
fsr-3777	132	35	credit	credit	NOUN
fsr-3777	132	36	make	make	VERB
fsr-3777	132	37	choices	choice	NOUN
fsr-3777	132	38	in	in	ADP
fsr-3777	132	39	default	default	NOUN
fsr-3777	132	40	that	that	PRON
fsr-3777	132	41	produce	produce	VERB
fsr-3777	132	42	a	a	DET
fsr-3777	132	43	higher	high	ADJ
fsr-3777	132	44	gross	gross	ADJ
fsr-3777	132	45	benefit	benefit	NOUN
fsr-3777	132	46	,	,	PUNCT
fsr-3777	132	47	measured	measure	VERB
fsr-3777	132	48	as	as	SCONJ
fsr-3777	132	49	the	the	DET
fsr-3777	132	50	percentage	percentage	NOUN
fsr-3777	132	51	of	of	ADP
fsr-3777	132	52	the	the	DET
fsr-3777	132	53	credit	credit	NOUN
fsr-3777	132	54	line	line	NOUN
fsr-3777	132	55	ultimately	ultimately	ADV
fsr-3777	132	56	discharged	discharge	VERB
fsr-3777	132	57	.	.	PUNCT
fsr-3777	133	1	table	table	NOUN
fsr-3777	133	2	2	2	NUM
fsr-3777	133	3	total	total	NOUN
fsr-3777	133	4	sample	sample	NOUN
fsr-3777	133	5	all	all	DET
fsr-3777	133	6	accounts	account	NOUN
fsr-3777	133	7	charged	charge	VERB
fsr-3777	133	8	off	off	ADP
fsr-3777	133	9	in	in	ADP
fsr-3777	133	10	1991	1991	NUM
fsr-3777	133	11	default	default	NOUN
fsr-3777	133	12	choice	choice	NOUN
fsr-3777	133	13	by	by	ADP
fsr-3777	133	14	year	year	NOUN
fsr-3777	133	15	-	-	PUNCT
fsr-3777	133	16	end	end	NOUN
fsr-3777	133	17	1991	1991	NUM
fsr-3777	133	18	charge	charge	NOUN
fsr-3777	133	19	-	-	PUNCT
fsr-3777	133	20	off	off	ADP
fsr-3777	133	21	sample	sample	NOUN
fsr-3777	133	22	bankruptcy	bankruptcy	NOUN
fsr-3777	133	23	legal	legal	ADJ
fsr-3777	133	24	conditions	condition	NOUN
fsr-3777	133	25	pro	pro	ADJ
fsr-3777	133	26	debtor	debtor	NOUN
fsr-3777	133	27	mixed	mixed	ADJ
fsr-3777	133	28	message	message	NOUN
fsr-3777	133	29	pro	pro	ADJ
fsr-3777	133	30	creditor	creditor	NOUN
fsr-3777	133	31	overall	overall	ADJ
fsr-3777	133	32	charge	charge	VERB
fsr-3777	133	33	off	off	ADP
fsr-3777	133	34	rate	rate	NOUN
fsr-3777	133	35	(	(	PUNCT
fsr-3777	133	36	%	%	INTJ
fsr-3777	133	37	)	)	PUNCT
fsr-3777	133	38	1.69	1.69	NUM
fsr-3777	133	39	%	%	NOUN
fsr-3777	133	40	0.68	0.68	NUM
fsr-3777	133	41	1.52	1.52	NUM
fsr-3777	133	42	x=	x=	PUNCT
fsr-3777	134	1	=	=	NOUN
fsr-3777	134	2	3.7	3.7	NUM
fsr-3777	134	3	1.4	1.4	NUM
fsr-3777	134	4	%	%	NOUN
fsr-3777	134	5	delinqrtency	delinqrtency	NOUN
fsr-3777	134	6	65.3	65.3	NUM
fsr-3777	134	7	%	%	NOUN
fsr-3777	134	8	59.5	59.5	NUM
fsr-3777	134	9	58.3	58.3	NUM
fsr-3777	134	10	61.4	61.4	NUM
fsr-3777	134	11	%	%	NOUN
fsr-3777	134	12	ch	ch	NOUN
fsr-3777	134	13	.	.	PROPN
fsr-3777	134	14	7	7	NUM
fsr-3777	134	15	30.0	30.0	NUM
fsr-3777	134	16	%	%	NOUN
fsr-3777	134	17	34.9	34.9	NUM
fsr-3777	134	18	33.5	33.5	NUM
fsr-3777	134	19	32.4	32.4	NUM
fsr-3777	134	20	%	%	NOUN
fsr-3777	134	21	ch	ch	NOUN
fsr-3777	134	22	.	.	PROPN
fsr-3777	134	23	13	13	NUM
fsr-3777	134	24	4.7	4.7	NUM
fsr-3777	134	25	%	%	NOUN
fsr-3777	134	26	5.6	5.6	NUM
fsr-3777	134	27	8.2	8.2	NUM
fsr-3777	134	28	x=	x=	PUNCT
fsr-3777	135	1	=	=	SYM
fsr-3777	135	2	35.s	35.s	NUM
fsr-3777	135	3	*	*	NUM
fsr-3777	135	4	6.2	6.2	NUM
fsr-3777	135	5	%	%	NOUN
fsr-3777	135	6	130	130	NUM
fsr-3777	135	7	financial	financial	ADJ
fsr-3777	135	8	services	service	NOUN
fsr-3777	135	9	review	review	NOUN
fsr-3777	135	10	4(2	4(2	NUM
fsr-3777	135	11	)	)	PUNCT
fsr-3777	135	12	1995	1995	NUM
fsr-3777	135	13	v.	v.	ADP
fsr-3777	135	14	the	the	DET
fsr-3777	135	15	results	result	NOUN
fsr-3777	135	16	:	:	PUNCT
fsr-3777	135	17	debtor	debtor	NOUN
fsr-3777	135	18	choices	choice	NOUN
fsr-3777	135	19	and	and	CCONJ
fsr-3777	135	20	the	the	DET
fsr-3777	135	21	value	value	NOUN
fsr-3777	135	22	of	of	ADP
fsr-3777	135	23	the	the	DET
fsr-3777	135	24	default	default	NOUN
fsr-3777	135	25	option	option	NOUN
fsr-3777	135	26	a.	a.	NOUN
fsr-3777	135	27	legal	legal	ADJ
fsr-3777	135	28	regimes	regime	NOUN
fsr-3777	135	29	and	and	CCONJ
fsr-3777	135	30	debtors	debtor	NOUN
fsr-3777	135	31	’	’	PART
fsr-3777	135	32	choices	choice	NOUN
fsr-3777	135	33	overall	overall	ADV
fsr-3777	135	34	,	,	PUNCT
fsr-3777	135	35	the	the	DET
fsr-3777	135	36	debtors	debtor	NOUN
fsr-3777	135	37	charged	charge	VERB
fsr-3777	135	38	off	off	ADP
fsr-3777	135	39	in	in	ADP
fsr-3777	135	40	1991	1991	NUM
fsr-3777	135	41	were	be	AUX
fsr-3777	135	42	almost	almost	ADV
fsr-3777	135	43	twice	twice	ADV
fsr-3777	135	44	as	as	ADV
fsr-3777	135	45	likely	likely	ADJ
fsr-3777	135	46	to	to	PART
fsr-3777	135	47	default	default	VERB
fsr-3777	135	48	outright	outright	ADV
fsr-3777	135	49	as	as	ADP
fsr-3777	135	50	file	file	NOUN
fsr-3777	135	51	bankruptcy	bankruptcy	NOUN
fsr-3777	135	52	(	(	PUNCT
fsr-3777	135	53	61.4	61.4	NUM
fsr-3777	135	54	%	%	NOUN
fsr-3777	135	55	versus	versus	ADP
fsr-3777	135	56	38.6	38.6	NUM
fsr-3777	135	57	%	%	NOUN
fsr-3777	135	58	)	)	PUNCT
fsr-3777	135	59	(	(	PUNCT
fsr-3777	135	60	see	see	VERB
fsr-3777	135	61	table	table	NOUN
fsr-3777	135	62	2	2	NUM
fsr-3777	135	63	)	)	PUNCT
fsr-3777	135	64	.	.	PUNCT
fsr-3777	136	1	debtors	debtor	NOUN
fsr-3777	136	2	in	in	ADP
fsr-3777	136	3	states	state	NOUN
fsr-3777	136	4	providing	provide	VERB
fsr-3777	136	5	greater	great	ADJ
fsr-3777	136	6	protection	protection	NOUN
fsr-3777	136	7	of	of	ADP
fsr-3777	136	8	income	income	NOUN
fsr-3777	136	9	and	and	CCONJ
fsr-3777	136	10	assets	asset	NOUN
fsr-3777	136	11	(	(	PUNCT
fsr-3777	136	12	pro	pro	X
fsr-3777	136	13	debtor	debtor	NOUN
fsr-3777	136	14	regime	regime	NOUN
fsr-3777	136	15	)	)	PUNCT
fsr-3777	136	16	were	be	AUX
fsr-3777	136	17	significantly	significantly	ADV
fsr-3777	136	18	more	more	ADV
fsr-3777	136	19	likely	likely	ADJ
fsr-3777	136	20	to	to	PART
fsr-3777	136	21	default	default	VERB
fsr-3777	136	22	outright	outright	ADV
fsr-3777	136	23	than	than	SCONJ
fsr-3777	136	24	was	be	AUX
fsr-3777	136	25	the	the	DET
fsr-3777	136	26	case	case	NOUN
fsr-3777	136	27	for	for	ADP
fsr-3777	136	28	debtors	debtor	NOUN
fsr-3777	136	29	in	in	ADP
fsr-3777	136	30	states	state	NOUN
fsr-3777	136	31	characterized	characterize	VERB
fsr-3777	136	32	as	as	ADP
fsr-3777	136	33	pro	pro	ADJ
fsr-3777	136	34	creditor	creditor	NOUN
fsr-3777	136	35	.	.	PUNCT
fsr-3777	137	1	in	in	ADP
fsr-3777	137	2	pro	pro	ADJ
fsr-3777	137	3	creditor	creditor	NOUN
fsr-3777	137	4	states	state	NOUN
fsr-3777	137	5	,	,	PUNCT
fsr-3777	137	6	debtors	debtor	NOUN
fsr-3777	137	7	in	in	ADP
fsr-3777	137	8	default	default	NOUN
fsr-3777	137	9	were	be	AUX
fsr-3777	137	10	more	more	ADV
fsr-3777	137	11	likely	likely	ADJ
fsr-3777	137	12	to	to	PART
fsr-3777	137	13	seek	seek	VERB
fsr-3777	137	14	the	the	DET
fsr-3777	137	15	protection	protection	NOUN
fsr-3777	137	16	of	of	ADP
fsr-3777	137	17	the	the	DET
fsr-3777	137	18	bankruptcy	bankruptcy	NOUN
fsr-3777	137	19	process	process	NOUN
fsr-3777	137	20	than	than	SCONJ
fsr-3777	137	21	was	be	AUX
fsr-3777	137	22	the	the	DET
fsr-3777	137	23	case	case	NOUN
fsr-3777	137	24	in	in	ADP
fsr-3777	137	25	pro	pro	ADJ
fsr-3777	137	26	debtor	debtor	NOUN
fsr-3777	137	27	states	state	NOUN
fsr-3777	137	28	(	(	PUNCT
fsr-3777	137	29	41.7	41.7	NUM
fsr-3777	137	30	%	%	NOUN
fsr-3777	137	31	vs.	vs.	ADP
fsr-3777	137	32	34.7	34.7	NUM
fsr-3777	137	33	%	%	NOUN
fsr-3777	137	34	)	)	PUNCT
fsr-3777	137	35	.	.	PUNCT
fsr-3777	138	1	a	a	DET
fsr-3777	138	2	relatively	relatively	ADV
fsr-3777	138	3	high	high	ADJ
fsr-3777	138	4	proportion	proportion	NOUN
fsr-3777	138	5	of	of	ADP
fsr-3777	138	6	petitioners	petitioner	NOUN
fsr-3777	138	7	for	for	ADP
fsr-3777	138	8	bankruptcy	bankruptcy	NOUN
fsr-3777	138	9	filed	file	VERB
fsr-3777	138	10	under	under	ADP
fsr-3777	138	11	chapter	chapter	NOUN
fsr-3777	138	12	13	13	NUM
fsr-3777	138	13	in	in	ADP
fsr-3777	138	14	pro	pro	ADJ
fsr-3777	138	15	creditor	creditor	NOUN
fsr-3777	138	16	states	state	NOUN
fsr-3777	138	17	(	(	PUNCT
fsr-3777	138	18	garnishment	garnishment	NOUN
fsr-3777	138	19	allowed	allow	VERB
fsr-3777	138	20	;	;	PUNCT
fsr-3777	138	21	low	low	ADJ
fsr-3777	138	22	asset	asset	NOUN
fsr-3777	138	23	exemption	exemption	NOUN
fsr-3777	138	24	)	)	PUNCT
fsr-3777	138	25	.	.	PUNCT
fsr-3777	139	1	a	a	DET
fsr-3777	139	2	possible	possible	ADJ
fsr-3777	139	3	explanation	explanation	NOUN
fsr-3777	139	4	is	be	AUX
fsr-3777	139	5	that	that	SCONJ
fsr-3777	139	6	under	under	ADP
fsr-3777	139	7	conditions	condition	NOUN
fsr-3777	139	8	where	where	SCONJ
fsr-3777	139	9	income	income	NOUN
fsr-3777	139	10	may	may	AUX
fsr-3777	139	11	be	be	AUX
fsr-3777	139	12	garnished	garnish	VERB
fsr-3777	139	13	,	,	PUNCT
fsr-3777	139	14	debtors	debtor	NOUN
fsr-3777	139	15	are	be	AUX
fsr-3777	139	16	more	more	ADV
fsr-3777	139	17	likely	likely	ADJ
fsr-3777	139	18	to	to	PART
fsr-3777	139	19	file	file	VERB
fsr-3777	139	20	bankruptcy	bankruptcy	NOUN
fsr-3777	139	21	to	to	PART
fsr-3777	139	22	protect	protect	VERB
fsr-3777	139	23	future	future	ADJ
fsr-3777	139	24	income	income	NOUN
fsr-3777	139	25	,	,	PUNCT
fsr-3777	139	26	irrespective	irrespective	ADV
fsr-3777	139	27	of	of	ADP
fsr-3777	139	28	exemption	exemption	NOUN
fsr-3777	139	29	allowances	allowance	NOUN
fsr-3777	139	30	.	.	PUNCT
fsr-3777	140	1	this	this	DET
fsr-3777	140	2	result	result	NOUN
fsr-3777	140	3	is	be	AUX
fsr-3777	140	4	inconsistent	inconsistent	ADJ
fsr-3777	140	5	with	with	ADP
fsr-3777	140	6	the	the	DET
fsr-3777	140	7	assumption	assumption	NOUN
fsr-3777	140	8	that	that	SCONJ
fsr-3777	140	9	bankruptcy	bankruptcy	NOUN
fsr-3777	140	10	would	would	AUX
fsr-3777	140	11	be	be	AUX
fsr-3777	140	12	a	a	DET
fsr-3777	140	13	lower	lower	ADV
fsr-3777	140	14	-	-	PUNCT
fsr-3777	140	15	valued	value	VERB
fsr-3777	140	16	choice	choice	NOUN
fsr-3777	140	17	in	in	ADP
fsr-3777	140	18	states	state	NOUN
fsr-3777	140	19	with	with	ADP
fsr-3777	140	20	strict	strict	ADJ
fsr-3777	140	21	restrictions	restriction	NOUN
fsr-3777	140	22	on	on	ADP
fsr-3777	140	23	asset	asset	NOUN
fsr-3777	140	24	exemption	exemption	NOUN
fsr-3777	140	25	allow	allow	VERB
fsr-3777	140	26	ances	ance	NOUN
fsr-3777	140	27	.	.	PUNCT
fsr-3777	141	1	however	however	ADV
fsr-3777	141	2	,	,	PUNCT
fsr-3777	141	3	it	it	PRON
fsr-3777	141	4	does	do	AUX
fsr-3777	141	5	suggest	suggest	VERB
fsr-3777	141	6	that	that	SCONJ
fsr-3777	141	7	the	the	DET
fsr-3777	141	8	bankruptcy	bankruptcy	NOUN
fsr-3777	141	9	code	code	NOUN
fsr-3777	141	10	provides	provide	VERB
fsr-3777	141	11	more	more	ADJ
fsr-3777	141	12	protection	protection	NOUN
fsr-3777	141	13	for	for	ADP
fsr-3777	141	14	future	future	ADJ
fsr-3777	141	15	income	income	NOUN
fsr-3777	141	16	relative	relative	ADJ
fsr-3777	141	17	to	to	ADP
fsr-3777	141	18	the	the	DET
fsr-3777	141	19	federal	federal	ADJ
fsr-3777	141	20	guidelines	guideline	NOUN
fsr-3777	141	21	for	for	ADP
fsr-3777	141	22	garnishment	garnishment	NOUN
fsr-3777	141	23	-	-	PUNCT
fsr-3777	141	24	a	a	DET
fsr-3777	141	25	factor	factor	NOUN
fsr-3777	141	26	that	that	PRON
fsr-3777	141	27	would	would	AUX
fsr-3777	141	28	be	be	AUX
fsr-3777	141	29	expected	expect	VERB
fsr-3777	141	30	to	to	PART
fsr-3777	141	31	be	be	AUX
fsr-3777	141	32	associated	associate	VERB
fsr-3777	141	33	with	with	ADP
fsr-3777	141	34	an	an	DET
fsr-3777	141	35	increase	increase	NOUN
fsr-3777	141	36	in	in	ADP
fsr-3777	141	37	the	the	DET
fsr-3777	141	38	use	use	NOUN
fsr-3777	141	39	of	of	ADP
fsr-3777	141	40	bankruptcy	bankruptcy	NOUN
fsr-3777	141	41	.	.	PUNCT
fsr-3777	142	1	a	a	DET
fsr-3777	142	2	similar	similar	ADJ
fsr-3777	142	3	result	result	NOUN
fsr-3777	142	4	is	be	AUX
fsr-3777	142	5	discussed	discuss	VERB
fsr-3777	142	6	by	by	ADP
fsr-3777	142	7	sullivan	sullivan	NOUN
fsr-3777	142	8	and	and	CCONJ
fsr-3777	142	9	worden	worden	PROPN
fsr-3777	142	10	(	(	PUNCT
fsr-3777	142	11	1991	1991	NUM
fsr-3777	142	12	)	)	PUNCT
fsr-3777	142	13	,	,	PUNCT
fsr-3777	142	14	who	who	PRON
fsr-3777	142	15	found	find	VERB
fsr-3777	142	16	that	that	SCONJ
fsr-3777	142	17	in	in	ADP
fsr-3777	142	18	some	some	DET
fsr-3777	142	19	states	state	NOUN
fsr-3777	142	20	with	with	ADP
fsr-3777	142	21	low	low	ADJ
fsr-3777	142	22	asset	asset	NOUN
fsr-3777	142	23	exemptions	exemption	NOUN
fsr-3777	142	24	,	,	PUNCT
fsr-3777	142	25	the	the	DET
fsr-3777	142	26	incidence	incidence	NOUN
fsr-3777	142	27	of	of	ADP
fsr-3777	142	28	chapter	chapter	NOUN
fsr-3777	142	29	13	13	NUM
fsr-3777	142	30	was	be	AUX
fsr-3777	142	31	abnormally	abnormally	ADV
fsr-3777	142	32	high	high	ADJ
fsr-3777	142	33	,	,	PUNCT
fsr-3777	142	34	causing	cause	VERB
fsr-3777	142	35	the	the	DET
fsr-3777	142	36	overall	overall	ADJ
fsr-3777	142	37	rate	rate	NOUN
fsr-3777	142	38	of	of	ADP
fsr-3777	142	39	bankruptcy	bankruptcy	NOUN
fsr-3777	142	40	to	to	PART
fsr-3777	142	41	be	be	AUX
fsr-3777	142	42	high	high	ADJ
fsr-3777	142	43	in	in	ADP
fsr-3777	142	44	those	those	DET
fsr-3777	142	45	states	state	NOUN
fsr-3777	142	46	.	.	PUNCT
fsr-3777	143	1	in	in	ADP
fsr-3777	143	2	general	general	ADJ
fsr-3777	143	3	,	,	PUNCT
fsr-3777	143	4	these	these	DET
fsr-3777	143	5	data	datum	NOUN
fsr-3777	143	6	revealing	reveal	VERB
fsr-3777	143	7	the	the	DET
fsr-3777	143	8	distribution	distribution	NOUN
fsr-3777	143	9	of	of	ADP
fsr-3777	143	10	debtors	debtor	NOUN
fsr-3777	143	11	’	’	PART
fsr-3777	143	12	choices	choice	NOUN
fsr-3777	143	13	suggest	suggest	VERB
fsr-3777	143	14	that	that	SCONJ
fsr-3777	143	15	debtors	debtor	NOUN
fsr-3777	143	16	do	do	AUX
fsr-3777	143	17	make	make	VERB
fsr-3777	143	18	choices	choice	NOUN
fsr-3777	143	19	in	in	ADP
fsr-3777	143	20	default	default	NOUN
fsr-3777	143	21	that	that	PRON
fsr-3777	143	22	are	be	AUX
fsr-3777	143	23	consistent	consistent	ADJ
fsr-3777	143	24	with	with	ADP
fsr-3777	143	25	maximization	maximization	NOUN
fsr-3777	143	26	of	of	ADP
fsr-3777	143	27	the	the	DET
fsr-3777	143	28	expected	expect	VERB
fsr-3777	143	29	value	value	NOUN
fsr-3777	143	30	of	of	ADP
fsr-3777	143	31	their	their	PRON
fsr-3777	143	32	default	default	NOUN
fsr-3777	143	33	option	option	NOUN
fsr-3777	143	34	,	,	PUNCT
fsr-3777	143	35	given	give	VERB
fsr-3777	143	36	the	the	DET
fsr-3777	143	37	legal	legal	ADJ
fsr-3777	143	38	conditions	condition	NOUN
fsr-3777	143	39	affecting	affect	VERB
fsr-3777	143	40	their	their	PRON
fsr-3777	143	41	choices	choice	NOUN
fsr-3777	143	42	.	.	PUNCT
fsr-3777	144	1	this	this	DET
fsr-3777	144	2	conclusion	conclusion	NOUN
fsr-3777	144	3	is	be	AUX
fsr-3777	144	4	further	far	ADV
fsr-3777	144	5	supported	support	VERB
fsr-3777	144	6	by	by	ADP
fsr-3777	144	7	the	the	DET
fsr-3777	144	8	results	result	NOUN
fsr-3777	144	9	(	(	PUNCT
fsr-3777	144	10	shown	show	VERB
fsr-3777	144	11	below	below	ADP
fsr-3777	144	12	)	)	PUNCT
fsr-3777	144	13	of	of	ADP
fsr-3777	144	14	an	an	DET
fsr-3777	144	15	estimation	estimation	NOUN
fsr-3777	144	16	of	of	ADP
fsr-3777	144	17	the	the	DET
fsr-3777	144	18	value	value	NOUN
fsr-3777	144	19	of	of	ADP
fsr-3777	144	20	the	the	DET
fsr-3777	144	21	default	default	NOUN
fsr-3777	144	22	option	option	NOUN
fsr-3777	144	23	.	.	PUNCT
fsr-3777	145	1	b.	b.	PROPN
fsr-3777	145	2	debtors	debtor	NOUN
fsr-3777	145	3	’	’	PART
fsr-3777	145	4	choice	choice	NOUN
fsr-3777	145	5	and	and	CCONJ
fsr-3777	145	6	the	the	DET
fsr-3777	145	7	gross	gross	ADJ
fsr-3777	145	8	value	value	NOUN
fsr-3777	145	9	of	of	ADP
fsr-3777	145	10	the	the	DET
fsr-3777	145	11	default	default	NOUN
fsr-3777	145	12	option	option	NOUN
fsr-3777	145	13	an	an	DET
fsr-3777	145	14	estimate	estimate	NOUN
fsr-3777	145	15	of	of	ADP
fsr-3777	145	16	the	the	DET
fsr-3777	145	17	value	value	NOUN
fsr-3777	145	18	of	of	ADP
fsr-3777	145	19	the	the	DET
fsr-3777	145	20	default	default	NOUN
fsr-3777	145	21	option	option	NOUN
fsr-3777	145	22	was	be	AUX
fsr-3777	145	23	calculated	calculate	VERB
fsr-3777	145	24	for	for	ADP
fsr-3777	145	25	those	those	DET
fsr-3777	145	26	accounts	account	NOUN
fsr-3777	145	27	that	that	PRON
fsr-3777	145	28	were	be	AUX
fsr-3777	145	29	charged	charge	VERB
fsr-3777	145	30	off	off	ADP
fsr-3777	145	31	during	during	ADP
fsr-3777	145	32	the	the	DET
fsr-3777	145	33	first	first	ADJ
fsr-3777	145	34	six	six	NUM
fsr-3777	145	35	months	month	NOUN
fsr-3777	145	36	of	of	ADP
fsr-3777	145	37	1991	1991	NUM
fsr-3777	145	38	(	(	PUNCT
fsr-3777	145	39	table	table	NOUN
fsr-3777	145	40	3	3	NUM
fsr-3777	145	41	)	)	PUNCT
fsr-3777	145	42	.	.	PUNCT
fsr-3777	146	1	this	this	DET
fsr-3777	146	2	time	time	NOUN
fsr-3777	146	3	frame	frame	NOUN
fsr-3777	146	4	was	be	AUX
fsr-3777	146	5	used	use	VERB
fsr-3777	146	6	to	to	PART
fsr-3777	146	7	allow	allow	VERB
fsr-3777	146	8	for	for	ADP
fsr-3777	146	9	the	the	DET
fsr-3777	146	10	inclusion	inclusion	NOUN
fsr-3777	146	11	of	of	ADP
fsr-3777	146	12	repayments	repayment	NOUN
fsr-3777	146	13	made	make	VERB
fsr-3777	146	14	in	in	ADP
fsr-3777	146	15	response	response	NOUN
fsr-3777	146	16	to	to	ADP
fsr-3777	146	17	collection	collection	NOUN
fsr-3777	146	18	activities	activity	NOUN
fsr-3777	146	19	following	follow	VERB
fsr-3777	146	20	charge	charge	NOUN
fsr-3777	146	21	off	off	ADP
fsr-3777	146	22	.	.	PUNCT
fsr-3777	147	1	this	this	DET
fsr-3777	147	2	group	group	NOUN
fsr-3777	147	3	of	of	ADP
fsr-3777	147	4	debtors	debtor	NOUN
fsr-3777	147	5	had	have	VERB
fsr-3777	147	6	between	between	ADP
fsr-3777	147	7	six	six	NUM
fsr-3777	147	8	and	and	CCONJ
fsr-3777	147	9	11	11	NUM
fsr-3777	147	10	months	month	NOUN
fsr-3777	147	11	to	to	PART
fsr-3777	147	12	make	make	VERB
fsr-3777	147	13	payment	payment	NOUN
fsr-3777	147	14	on	on	ADP
fsr-3777	147	15	the	the	DET
fsr-3777	147	16	charged	charge	VERB
fsr-3777	147	17	-	-	PUNCT
fsr-3777	147	18	off	off	ADP
fsr-3777	147	19	account	account	NOUN
fsr-3777	147	20	,	,	PUNCT
fsr-3777	147	21	either	either	CCONJ
fsr-3777	147	22	voluntarily	voluntarily	ADV
fsr-3777	147	23	or	or	CCONJ
fsr-3777	147	24	as	as	ADP
fsr-3777	147	25	a	a	DET
fsr-3777	147	26	result	result	NOUN
fsr-3777	147	27	of	of	ADP
fsr-3777	147	28	payments	payment	NOUN
fsr-3777	147	29	outlined	outline	VERB
fsr-3777	147	30	in	in	ADP
fsr-3777	147	31	a	a	DET
fsr-3777	147	32	chapter	chapter	NOUN
fsr-3777	147	33	13	13	NUM
fsr-3777	147	34	repayment	repayment	NOUN
fsr-3777	147	35	schedule	schedule	NOUN
fsr-3777	147	36	.	.	PUNCT
fsr-3777	148	1	the	the	DET
fsr-3777	148	2	creditor	creditor	NOUN
fsr-3777	148	3	’s	’s	PART
fsr-3777	148	4	loss	loss	NOUN
fsr-3777	148	5	,	,	PUNCT
fsr-3777	148	6	after	after	ADP
fsr-3777	148	7	subsequent	subsequent	ADJ
fsr-3777	148	8	payments	payment	NOUN
fsr-3777	148	9	,	,	PUNCT
fsr-3777	148	10	was	be	AUX
fsr-3777	148	11	calculated	calculate	VERB
fsr-3777	148	12	as	as	ADP
fsr-3777	148	13	a	a	DET
fsr-3777	148	14	percent	percent	NOUN
fsr-3777	148	15	of	of	ADP
fsr-3777	148	16	the	the	DET
fsr-3777	148	17	credit	credit	NOUN
fsr-3777	148	18	line	line	NOUN
fsr-3777	148	19	charged	charge	VERB
fsr-3777	148	20	off	off	ADP
fsr-3777	148	21	for	for	ADP
fsr-3777	148	22	each	each	DET
fsr-3777	148	23	account	account	NOUN
fsr-3777	148	24	.	.	PUNCT
fsr-3777	149	1	what	what	PRON
fsr-3777	149	2	the	the	DET
fsr-3777	149	3	creditor	creditor	NOUN
fsr-3777	149	4	lost	lose	VERB
fsr-3777	149	5	was	be	AUX
fsr-3777	149	6	estimated	estimate	VERB
fsr-3777	149	7	as	as	ADP
fsr-3777	149	8	being	be	AUX
fsr-3777	149	9	equal	equal	ADJ
fsr-3777	149	10	to	to	ADP
fsr-3777	149	11	what	what	PRON
fsr-3777	149	12	the	the	DET
fsr-3777	149	13	debtor	debtor	NOUN
fsr-3777	149	14	gained	gain	VERB
fsr-3777	149	15	,	,	PUNCT
fsr-3777	149	16	which	which	PRON
fsr-3777	149	17	was	be	AUX
fsr-3777	149	18	the	the	DET
fsr-3777	149	19	value	value	NOUN
fsr-3777	149	20	of	of	ADP
fsr-3777	149	21	the	the	DET
fsr-3777	149	22	option	option	NOUN
fsr-3777	149	23	to	to	PART
fsr-3777	149	24	default	default	VERB
fsr-3777	149	25	.	.	PUNCT
fsr-3777	150	1	the	the	DET
fsr-3777	150	2	option	option	NOUN
fsr-3777	150	3	to	to	PART
fsr-3777	150	4	default	default	VERB
fsr-3777	150	5	had	have	VERB
fsr-3777	150	6	its	its	PRON
fsr-3777	150	7	highest	high	ADJ
fsr-3777	150	8	value	value	NOUN
fsr-3777	150	9	for	for	ADP
fsr-3777	150	10	chapter	chapter	NOUN
fsr-3777	150	11	7	7	NUM
fsr-3777	150	12	bankruptcies	bankruptcy	NOUN
fsr-3777	150	13	,	,	PUNCT
fsr-3777	150	14	with	with	ADP
fsr-3777	150	15	an	an	DET
fsr-3777	150	16	average	average	ADJ
fsr-3777	150	17	value	value	NOUN
fsr-3777	150	18	of	of	ADP
fsr-3777	150	19	93.6	93.6	NUM
fsr-3777	150	20	%	%	NOUN
fsr-3777	150	21	of	of	ADP
fsr-3777	150	22	the	the	DET
fsr-3777	150	23	credit	credit	NOUN
fsr-3777	150	24	line	line	NOUN
fsr-3777	150	25	,	,	PUNCT
fsr-3777	150	26	followed	follow	VERB
fsr-3777	150	27	by	by	ADP
fsr-3777	150	28	an	an	DET
fsr-3777	150	29	average	average	ADJ
fsr-3777	150	30	value	value	NOUN
fsr-3777	150	31	of	of	ADP
fsr-3777	150	32	88.04	88.04	NUM
fsr-3777	150	33	%	%	NOUN
fsr-3777	150	34	under	under	ADP
fsr-3777	150	35	chapter	chapter	NOUN
fsr-3777	150	36	13	13	NUM
fsr-3777	150	37	.	.	PUNCT
fsr-3777	151	1	for	for	SCONJ
fsr-3777	151	2	the	the	DET
fsr-3777	151	3	delinquency	delinquency	NOUN
fsr-3777	151	4	charge	charge	VERB
fsr-3777	151	5	off	off	ADP
fsr-3777	151	6	,	,	PUNCT
fsr-3777	151	7	the	the	DET
fsr-3777	151	8	default	default	NOUN
fsr-3777	151	9	option	option	NOUN
fsr-3777	151	10	value	value	NOUN
fsr-3777	151	11	was	be	AUX
fsr-3777	151	12	an	an	DET
fsr-3777	151	13	average	average	NOUN
fsr-3777	151	14	of	of	ADP
fsr-3777	151	15	80.2	80.2	NUM
fsr-3777	151	16	%	%	NOUN
fsr-3777	151	17	of	of	ADP
fsr-3777	151	18	the	the	DET
fsr-3777	151	19	credit	credit	NOUN
fsr-3777	151	20	line	line	NOUN
fsr-3777	151	21	.	.	PUNCT
fsr-3777	152	1	debtors	debtor	NOUN
fsr-3777	152	2	realized	realize	VERB
fsr-3777	152	3	the	the	DET
fsr-3777	152	4	highest	high	ADJ
fsr-3777	152	5	average	average	ADJ
fsr-3777	152	6	gain	gain	NOUN
fsr-3777	152	7	from	from	ADP
fsr-3777	152	8	default	default	NOUN
fsr-3777	152	9	in	in	ADP
fsr-3777	152	10	pro	pro	ADJ
fsr-3777	152	11	debtor	debtor	NOUN
fsr-3777	152	12	states	state	NOUN
fsr-3777	152	13	,	,	PUNCT
fsr-3777	152	14	even	even	ADV
fsr-3777	152	15	though	though	SCONJ
fsr-3777	152	16	debtors	debtor	NOUN
fsr-3777	152	17	in	in	ADP
fsr-3777	152	18	those	those	DET
fsr-3777	152	19	states	state	NOUN
fsr-3777	152	20	were	be	AUX
fsr-3777	152	21	more	more	ADV
fsr-3777	152	22	likely	likely	ADJ
fsr-3777	152	23	to	to	PART
fsr-3777	152	24	choose	choose	VERB
fsr-3777	152	25	outright	outright	ADJ
fsr-3777	152	26	default	default	NOUN
fsr-3777	152	27	than	than	ADP
fsr-3777	152	28	bankruptcy	bankruptcy	NOUN
fsr-3777	152	29	.	.	PUNCT
fsr-3777	153	1	however	however	ADV
fsr-3777	153	2	,	,	PUNCT
fsr-3777	153	3	the	the	DET
fsr-3777	153	4	option	option	NOUN
fsr-3777	153	5	value	value	NOUN
fsr-3777	153	6	for	for	ADP
fsr-3777	153	7	each	each	PRON
fsr-3777	153	8	of	of	ADP
fsr-3777	153	9	the	the	DET
fsr-3777	153	10	three	three	NUM
fsr-3777	153	11	default	default	NOUN
fsr-3777	153	12	choices	choice	NOUN
fsr-3777	153	13	was	be	AUX
fsr-3777	153	14	highest	high	ADJ
fsr-3777	153	15	in	in	ADP
fsr-3777	153	16	the	the	DET
fsr-3777	153	17	pro	pro	ADJ
fsr-3777	153	18	debtor	debtor	NOUN
fsr-3777	153	19	states	state	NOUN
fsr-3777	153	20	,	,	PUNCT
fsr-3777	153	21	confirming	confirm	VERB
fsr-3777	153	22	the	the	DET
fsr-3777	153	23	appropriateness	appropriateness	NOUN
fsr-3777	153	24	of	of	ADP
fsr-3777	153	25	our	our	PRON
fsr-3777	153	26	label	label	NOUN
fsr-3777	153	27	for	for	ADP
fsr-3777	153	28	those	those	DET
fsr-3777	153	29	states	state	NOUN
fsr-3777	153	30	.	.	PUNCT
fsr-3777	154	1	in	in	ADP
fsr-3777	154	2	the	the	DET
fsr-3777	154	3	pro	pro	ADJ
fsr-3777	154	4	creditor	creditor	NOUN
fsr-3777	154	5	states	state	NOUN
fsr-3777	154	6	,	,	PUNCT
fsr-3777	154	7	debtors	debtor	NOUN
fsr-3777	154	8	were	be	AUX
fsr-3777	154	9	more	more	ADV
fsr-3777	154	10	likely	likely	ADJ
fsr-3777	154	11	to	to	PART
fsr-3777	154	12	use	use	VERB
fsr-3777	154	13	the	the	DET
fsr-3777	154	14	courts	court	NOUN
fsr-3777	154	15	for	for	ADP
fsr-3777	154	16	protection	protection	NOUN
fsr-3777	154	17	in	in	ADP
fsr-3777	154	18	default	default	NOUN
fsr-3777	154	19	.	.	PUNCT
fsr-3777	155	1	however	however	ADV
fsr-3777	155	2	,	,	PUNCT
fsr-3777	155	3	on	on	ADP
fsr-3777	155	4	average	average	ADJ
fsr-3777	155	5	,	,	PUNCT
fsr-3777	155	6	debtors	debtor	NOUN
fsr-3777	155	7	in	in	ADP
fsr-3777	155	8	the	the	DET
fsr-3777	155	9	pro	pro	ADJ
fsr-3777	155	10	creditor	creditor	NOUN
fsr-3777	155	11	states	state	NOUN
fsr-3777	155	12	did	do	AUX
fsr-3777	155	13	not	not	PART
fsr-3777	155	14	benefit	benefit	VERB
fsr-3777	155	15	as	as	ADV
fsr-3777	155	16	much	much	ADV
fsr-3777	155	17	proportionately	proportionately	ADV
fsr-3777	155	18	as	as	ADP
fsr-3777	155	19	those	those	PRON
fsr-3777	155	20	in	in	ADP
fsr-3777	155	21	the	the	DET
fsr-3777	155	22	other	other	ADJ
fsr-3777	155	23	credit	credit	NOUN
fsr-3777	155	24	cards	card	NOUN
fsr-3777	155	25	and	and	CCONJ
fsr-3777	155	26	the	the	DET
fsr-3777	155	27	option	option	NOUN
fsr-3777	155	28	to	to	PART
fsr-3777	155	29	default	default	VERB
fsr-3777	155	30	131	131	NUM
fsr-3777	155	31	table	table	NOUN
fsr-3777	155	32	3	3	NUM
fsr-3777	155	33	mean	mean	NOUN
fsr-3777	155	34	percent	percent	NOUN
fsr-3777	155	35	credit	credit	NOUN
fsr-3777	155	36	line	line	NOUN
fsr-3777	155	37	charged	charge	VERB
fsr-3777	155	38	off	off	ADP
fsr-3777	155	39	between	between	ADP
fsr-3777	155	40	january	january	PROPN
fsr-3777	155	41	-	-	PUNCT
fsr-3777	155	42	june	june	PROPN
fsr-3777	155	43	1991	1991	NUM
fsr-3777	155	44	(	(	PUNCT
fsr-3777	155	45	net	net	NOUN
fsr-3777	155	46	of	of	ADP
fsr-3777	155	47	repayments	repayment	NOUN
fsr-3777	155	48	by	by	ADP
fsr-3777	155	49	year	year	NOUN
fsr-3777	155	50	-	-	PUNCT
fsr-3777	155	51	end	end	NOUN
fsr-3777	155	52	1991	1991	NUM
fsr-3777	155	53	)	)	PUNCT
fsr-3777	155	54	bankruprcy	bankruprcy	ADJ
fsr-3777	155	55	legal	legal	ADJ
fsr-3777	155	56	conditions	condition	NOUN
fsr-3777	155	57	pro	pro	ADJ
fsr-3777	155	58	debtor	debtor	NOUN
fsr-3777	155	59	mixed	mixed	ADJ
fsr-3777	155	60	message	message	NOUN
fsr-3777	155	61	pro	pro	ADJ
fsr-3777	155	62	creditor	creditor	NOUN
fsr-3777	155	63	overall	overall	ADJ
fsr-3777	155	64	mean	mean	ADJ
fsr-3777	155	65	sample	sample	NOUN
fsr-3777	155	66	size	size	NOUN
fsr-3777	155	67	delinquency	delinquency	NOUN
fsr-3777	155	68	83.21	83.21	NUM
fsr-3777	155	69	%	%	NOUN
fsr-3777	155	70	82.72	82.72	NUM
fsr-3777	155	71	%	%	NOUN
fsr-3777	155	72	75.21	75.21	NUM
fsr-3777	155	73	%	%	NOUN
fsr-3777	155	74	f	f	NOUN
fsr-3777	155	75	=	=	SYM
fsr-3777	155	76	7.13	7.13	NUM
fsr-3777	155	77	*	*	SYM
fsr-3777	155	78	80.20	80.20	NUM
fsr-3777	155	79	%	%	NOUN
fsr-3777	155	80	1,691	1,691	NUM
fsr-3777	155	81	chapter	chapter	NOUN
fsr-3777	155	82	7	7	NUM
fsr-3777	155	83	91.29	91.29	NUM
fsr-3777	155	84	%	%	NOUN
fsr-3777	155	85	91.73	91.73	NUM
fsr-3777	155	86	%	%	NOUN
fsr-3777	155	87	91.16	91.16	NUM
fsr-3777	155	88	%	%	NOUN
fsr-3777	155	89	f	f	NOUN
fsr-3777	156	1	=	=	SYM
fsr-3777	156	2	5.v	5.v	NUM
fsr-3777	156	3	93.60	93.60	NUM
fsr-3777	156	4	%	%	NOUN
fsr-3777	156	5	846	846	NUM
fsr-3777	156	6	chapter	chapter	NOUN
fsr-3777	156	7	13	13	NUM
fsr-3777	156	8	88.44	88.44	NUM
fsr-3777	156	9	%	%	NOUN
fsr-3777	156	10	71.95	71.95	NUM
fsr-3777	156	11	%	%	NOUN
fsr-3777	156	12	87.34	87.34	NUM
fsr-3777	156	13	%	%	NOUN
fsr-3777	156	14	f=	f=	NOUN
fsr-3777	156	15	1.23	1.23	NUM
fsr-3777	156	16	88.04	88.04	NUM
fsr-3777	156	17	%	%	NOUN
fsr-3777	156	18	152	152	NUM
fsr-3777	156	19	total	total	NOUN
fsr-3777	156	20	87.7	87.7	NUM
fsr-3777	156	21	%	%	NOUN
fsr-3777	156	22	85.6	85.6	NUM
fsr-3777	156	23	%	%	NOUN
fsr-3777	156	24	81.5	81.5	NUM
fsr-3777	156	25	%	%	NOUN
fsr-3777	156	26	2,695	2,695	NUM
fsr-3777	156	27	note	note	NOUN
fsr-3777	156	28	:	:	PUNCT
fsr-3777	156	29	*	*	PUNCT
fsr-3777	156	30	significant	significant	ADJ
fsr-3777	156	31	at	at	ADP
fsr-3777	156	32	the	the	DET
fsr-3777	156	33	95	95	NUM
fsr-3777	156	34	%	%	NOUN
fsr-3777	156	35	level	level	NOUN
fsr-3777	156	36	of	of	ADP
fsr-3777	156	37	confidence	confidence	NOUN
fsr-3777	156	38	.	.	PUNCT
fsr-3777	157	1	states	state	NOUN
fsr-3777	157	2	.	.	PUNCT
fsr-3777	158	1	the	the	DET
fsr-3777	158	2	relationship	relationship	NOUN
fsr-3777	158	3	between	between	ADP
fsr-3777	158	4	cardholders	cardholder	NOUN
fsr-3777	158	5	’	’	PART
fsr-3777	158	6	behavior	behavior	NOUN
fsr-3777	158	7	before	before	ADP
fsr-3777	158	8	default	default	NOUN
fsr-3777	158	9	and	and	CCONJ
fsr-3777	158	10	the	the	DET
fsr-3777	158	11	value	value	NOUN
fsr-3777	158	12	of	of	ADP
fsr-3777	158	13	their	their	PRON
fsr-3777	158	14	choices	choice	NOUN
fsr-3777	158	15	in	in	ADP
fsr-3777	158	16	default	default	NOUN
fsr-3777	158	17	is	be	AUX
fsr-3777	158	18	considered	consider	VERB
fsr-3777	158	19	in	in	ADP
fsr-3777	158	20	section	section	NOUN
fsr-3777	158	21	vi	vi	PROPN
fsr-3777	158	22	.	.	PUNCT
fsr-3777	158	23	c.	c.	NOUN
fsr-3777	158	24	credit	credit	NOUN
fsr-3777	158	25	card	card	NOUN
fsr-3777	158	26	use	use	NOUN
fsr-3777	158	27	and	and	CCONJ
fsr-3777	158	28	charge	charge	NOUN
fsr-3777	158	29	-	-	PUNCT
fsr-3777	158	30	off	off	ADP
fsr-3777	158	31	experience	experience	NOUN
fsr-3777	158	32	as	as	SCONJ
fsr-3777	158	33	pozdena	pozdena	NOUN
fsr-3777	158	34	suggested	suggest	VERB
fsr-3777	158	35	,	,	PUNCT
fsr-3777	158	36	cardholders	cardholder	NOUN
fsr-3777	158	37	who	who	PRON
fsr-3777	158	38	use	use	VERB
fsr-3777	158	39	their	their	PRON
fsr-3777	158	40	cards	card	NOUN
fsr-3777	158	41	more	more	ADV
fsr-3777	158	42	intensively	intensively	ADV
fsr-3777	158	43	,	,	PUNCT
fsr-3777	158	44	or	or	CCONJ
fsr-3777	158	45	credit	credit	NOUN
fsr-3777	158	46	more	more	ADV
fsr-3777	158	47	aggressively	aggressively	ADV
fsr-3777	158	48	,	,	PUNCT
fsr-3777	158	49	may	may	AUX
fsr-3777	158	50	be	be	AUX
fsr-3777	158	51	doing	do	VERB
fsr-3777	158	52	so	so	ADV
fsr-3777	158	53	because	because	SCONJ
fsr-3777	158	54	of	of	ADP
fsr-3777	158	55	the	the	DET
fsr-3777	158	56	value	value	NOUN
fsr-3777	158	57	of	of	ADP
fsr-3777	158	58	their	their	PRON
fsr-3777	158	59	option	option	NOUN
fsr-3777	158	60	to	to	PART
fsr-3777	158	61	default	default	VERB
fsr-3777	158	62	.	.	PUNCT
fsr-3777	159	1	in	in	ADP
fsr-3777	159	2	our	our	PRON
fsr-3777	159	3	initial	initial	ADJ
fsr-3777	159	4	investigation	investigation	NOUN
fsr-3777	159	5	of	of	ADP
fsr-3777	159	6	this	this	DET
fsr-3777	159	7	behavioral	behavioral	ADJ
fsr-3777	159	8	effect	effect	NOUN
fsr-3777	159	9	of	of	ADP
fsr-3777	159	10	the	the	DET
fsr-3777	159	11	default	default	NOUN
fsr-3777	159	12	option	option	NOUN
fsr-3777	159	13	,	,	PUNCT
fsr-3777	159	14	the	the	DET
fsr-3777	159	15	total	total	ADJ
fsr-3777	159	16	portfolio	portfolio	NOUN
fsr-3777	159	17	sample	sample	NOUN
fsr-3777	159	18	was	be	AUX
fsr-3777	159	19	segmented	segment	VERB
fsr-3777	159	20	in	in	ADP
fsr-3777	159	21	terms	term	NOUN
fsr-3777	159	22	of	of	ADP
fsr-3777	159	23	various	various	ADJ
fsr-3777	159	24	descriptors	descriptor	NOUN
fsr-3777	159	25	of	of	ADP
fsr-3777	159	26	card	card	NOUN
fsr-3777	159	27	use	use	NOUN
fsr-3777	159	28	behavior	behavior	NOUN
fsr-3777	159	29	in	in	ADP
fsr-3777	159	30	1990	1990	NUM
fsr-3777	159	31	,	,	PUNCT
fsr-3777	159	32	the	the	DET
fsr-3777	159	33	year	year	NOUN
fsr-3777	159	34	before	before	SCONJ
fsr-3777	159	35	accounts	account	NOUN
fsr-3777	159	36	were	be	AUX
fsr-3777	159	37	charged	charge	VERB
fsr-3777	159	38	off	off	ADP
fsr-3777	159	39	.	.	PUNCT
fsr-3777	160	1	specifically	specifically	ADV
fsr-3777	160	2	,	,	PUNCT
fsr-3777	160	3	accounts	account	NOUN
fsr-3777	160	4	were	be	AUX
fsr-3777	160	5	segmented	segment	VERB
fsr-3777	160	6	in	in	ADP
fsr-3777	160	7	terms	term	NOUN
fsr-3777	160	8	of	of	ADP
fsr-3777	160	9	size	size	NOUN
fsr-3777	160	10	of	of	ADP
fsr-3777	160	11	credit	credit	NOUN
fsr-3777	160	12	line	line	NOUN
fsr-3777	160	13	,	,	PUNCT
fsr-3777	160	14	the	the	DET
fsr-3777	160	15	number	number	NOUN
fsr-3777	160	16	of	of	ADP
fsr-3777	160	17	months	month	NOUN
fsr-3777	160	18	that	that	SCONJ
fsr-3777	160	19	a	a	DET
fsr-3777	160	20	balance	balance	NOUN
fsr-3777	160	21	had	have	AUX
fsr-3777	160	22	been	be	AUX
fsr-3777	160	23	revolved	revolve	VERB
fsr-3777	160	24	,	,	PUNCT
fsr-3777	160	25	the	the	DET
fsr-3777	160	26	portion	portion	NOUN
fsr-3777	160	27	of	of	ADP
fsr-3777	160	28	the	the	DET
fsr-3777	160	29	total	total	ADJ
fsr-3777	160	30	credit	credit	NOUN
fsr-3777	160	31	line	line	NOUN
fsr-3777	160	32	that	that	PRON
fsr-3777	160	33	had	have	AUX
fsr-3777	160	34	been	be	AUX
fsr-3777	160	35	used	use	VERB
fsr-3777	160	36	on	on	ADP
fsr-3777	160	37	average	average	ADJ
fsr-3777	160	38	during	during	ADP
fsr-3777	160	39	the	the	DET
fsr-3777	160	40	year	year	NOUN
fsr-3777	160	41	(	(	PUNCT
fsr-3777	160	42	based	base	VERB
fsr-3777	160	43	on	on	ADP
fsr-3777	160	44	the	the	DET
fsr-3777	160	45	average	average	ADJ
fsr-3777	160	46	daily	daily	ADJ
fsr-3777	160	47	balance	balance	NOUN
fsr-3777	160	48	during	during	ADP
fsr-3777	160	49	the	the	DET
fsr-3777	160	50	year	year	NOUN
fsr-3777	160	51	)	)	PUNCT
fsr-3777	160	52	,	,	PUNCT
fsr-3777	160	53	and	and	CCONJ
fsr-3777	160	54	whether	whether	SCONJ
fsr-3777	160	55	or	or	CCONJ
fsr-3777	160	56	not	not	PART
fsr-3777	160	57	the	the	DET
fsr-3777	160	58	account	account	NOUN
fsr-3777	160	59	had	have	AUX
fsr-3777	160	60	used	use	VERB
fsr-3777	160	61	the	the	DET
fsr-3777	160	62	cash	cash	NOUN
fsr-3777	160	63	advance	advance	NOUN
fsr-3777	160	64	feature	feature	NOUN
fsr-3777	160	65	.	.	PUNCT
fsr-3777	161	1	because	because	SCONJ
fsr-3777	161	2	interest	interest	NOUN
fsr-3777	161	3	is	be	AUX
fsr-3777	161	4	charged	charge	VERB
fsr-3777	161	5	from	from	ADP
fsr-3777	161	6	the	the	DET
fsr-3777	161	7	date	date	NOUN
fsr-3777	161	8	of	of	ADP
fsr-3777	161	9	transaction	transaction	NOUN
fsr-3777	161	10	for	for	ADP
fsr-3777	161	11	a	a	DET
fsr-3777	161	12	cash	cash	NOUN
fsr-3777	161	13	advance	advance	NOUN
fsr-3777	161	14	,	,	PUNCT
fsr-3777	161	15	this	this	PRON
fsr-3777	161	16	is	be	AUX
fsr-3777	161	17	also	also	ADV
fsr-3777	161	18	an	an	DET
fsr-3777	161	19	indication	indication	NOUN
fsr-3777	161	20	of	of	ADP
fsr-3777	161	21	the	the	DET
fsr-3777	161	22	intensity	intensity	NOUN
fsr-3777	161	23	with	with	ADP
fsr-3777	161	24	which	which	PRON
fsr-3777	161	25	the	the	DET
fsr-3777	161	26	card	card	NOUN
fsr-3777	161	27	was	be	AUX
fsr-3777	161	28	used	use	VERB
fsr-3777	161	29	for	for	ADP
fsr-3777	161	30	credit	credit	NOUN
fsr-3777	161	31	.	.	PUNCT
fsr-3777	162	1	univariate	univariate	ADJ
fsr-3777	162	2	analysis	analysis	NOUN
fsr-3777	162	3	indicates	indicate	VERB
fsr-3777	162	4	that	that	SCONJ
fsr-3777	162	5	these	these	DET
fsr-3777	162	6	descriptors	descriptor	NOUN
fsr-3777	162	7	of	of	ADP
fsr-3777	162	8	card	card	NOUN
fsr-3777	162	9	use	use	NOUN
fsr-3777	162	10	are	be	AUX
fsr-3777	162	11	significantly	significantly	ADV
fsr-3777	162	12	associ	associ	PRON
fsr-3777	162	13	ated	ate	VERB
fsr-3777	162	14	with	with	ADP
fsr-3777	162	15	the	the	DET
fsr-3777	162	16	probability	probability	NOUN
fsr-3777	162	17	of	of	ADP
fsr-3777	162	18	charge	charge	NOUN
fsr-3777	162	19	-	-	PUNCT
fsr-3777	162	20	off	off	NOUN
fsr-3777	162	21	(	(	PUNCT
fsr-3777	162	22	see	see	VERB
fsr-3777	162	23	table	table	NOUN
fsr-3777	162	24	4	4	NUM
fsr-3777	162	25	)	)	PUNCT
fsr-3777	162	26	.	.	PUNCT
fsr-3777	163	1	the	the	DET
fsr-3777	163	2	probability	probability	NOUN
fsr-3777	163	3	of	of	ADP
fsr-3777	163	4	charge	charge	NOUN
fsr-3777	163	5	-	-	PUNCT
fsr-3777	163	6	off	off	NOUN
fsr-3777	163	7	was	be	AUX
fsr-3777	163	8	table	table	NOUN
fsr-3777	163	9	4	4	NUM
fsr-3777	163	10	card	card	NOUN
fsr-3777	163	11	use	use	NOUN
fsr-3777	163	12	characteristics	characteristic	NOUN
fsr-3777	163	13	and	and	CCONJ
fsr-3777	163	14	the	the	DET
fsr-3777	163	15	charge	charge	NOUN
fsr-3777	163	16	-	-	PUNCT
fsr-3777	163	17	off	off	ADP
fsr-3777	163	18	rate	rate	NOUN
fsr-3777	163	19	,	,	PUNCT
fsr-3777	163	20	total	total	ADJ
fsr-3777	163	21	portfolio	portfolio	NOUN
fsr-3777	163	22	sample	sample	NOUN
fsr-3777	163	23	n	n	PROPN
fsr-3777	163	24	=	=	SYM
fsr-3777	163	25	3096	3096	NUM
fsr-3777	163	26	credit	credit	NOUN
fsr-3777	163	27	line	line	NOUN
fsr-3777	163	28	charge	charge	NOUN
fsr-3777	163	29	-	-	PUNCT
fsr-3777	163	30	off	off	ADP
fsr-3777	163	31	rate	rate	NOUN
fsr-3777	163	32	revolving	revolve	VERB
fsr-3777	163	33	balance	balance	NOUN
fsr-3777	163	34	in	in	ADP
fsr-3777	163	35	1990	1990	NUM
fsr-3777	163	36	charge	charge	NOUN
fsr-3777	163	37	-	-	PUNCT
fsr-3777	163	38	of	of	ADP
fsr-3777	163	39	/	/	SYM
fsr-3777	163	40	rate	rate	NOUN
fsr-3777	163	41	isl	isl	PROPN
fsr-3777	163	42	,	,	PUNCT
fsr-3777	163	43	ooo	ooo	NOUN
fsr-3777	163	44	8.9	8.9	NUM
fsr-3777	163	45	%	%	NOUN
fsr-3777	163	46	5	5	NUM
fsr-3777	163	47	9	9	NUM
fsr-3777	163	48	months	month	NOUN
fsr-3777	163	49	0.1	0.1	NUM
fsr-3777	163	50	%	%	NOUN
fsr-3777	163	51	$	$	SYM
fsr-3777	163	52	l	l	NOUN
fsr-3777	163	53	,	,	PUNCT
fsr-3777	163	54	ooq-$3,000	ooq-$3,000	PROPN
fsr-3777	163	55	2.0	2.0	NUM
fsr-3777	163	56	>	>	SYM
fsr-3777	163	57	9	9	NUM
fsr-3777	163	58	months	month	NOUN
fsr-3777	163	59	3.9	3.9	NUM
fsr-3777	163	60	>	>	SYM
fsr-3777	163	61	$	$	SYM
fsr-3777	163	62	3,000	3,000	NUM
fsr-3777	163	63	0.5	0.5	NUM
fsr-3777	163	64	x2	x2	NOUN
fsr-3777	163	65	=	=	PUNCT
fsr-3777	164	1	53.4	53.4	NUM
fsr-3777	164	2	+	+	NUM
fsr-3777	164	3	x2	x2	NOUN
fsr-3777	164	4	=	=	VERB
fsr-3777	164	5	71.8	71.8	NUM
fsr-3777	164	6	*	*	NOUN
fsr-3777	164	7	percent	percent	NOUN
fsr-3777	164	8	credit	credit	NOUN
fsr-3777	164	9	line	line	NOUN
fsr-3777	164	10	used	use	VERB
fsr-3777	164	11	in	in	ADP
fsr-3777	164	12	1990	1990	NUM
fsr-3777	164	13	575	575	NUM
fsr-3777	164	14	%	%	NOUN
fsr-3777	164	15	>	>	X
fsr-3777	164	16	75	75	NUM
fsr-3777	164	17	%	%	NOUN
fsr-3777	164	18	cfwrge	cfwrge	NOUN
fsr-3777	164	19	-	-	PUNCT
fsr-3777	164	20	off	off	ADP
fsr-3777	164	21	rate	rate	NOUN
fsr-3777	164	22	0.2	0.2	NUM
fsr-3777	164	23	%	%	NOUN
fsr-3777	164	24	14.6	14.6	NUM
fsr-3777	164	25	x2	x2	NOUN
fsr-3777	164	26	=	=	PROPN
fsr-3777	164	27	339.4	339.4	NUM
fsr-3777	164	28	used	use	VERB
fsr-3777	164	29	cash	cash	NOUN
fsr-3777	164	30	advance	advance	NOUN
fsr-3777	164	31	in	in	ADP
fsr-3777	164	32	1990	1990	NUM
fsr-3777	164	33	no	no	PRON
fsr-3777	164	34	yes	yes	INTJ
fsr-3777	164	35	charge	charge	NOUN
fsr-3777	164	36	-	-	PUNCT
fsr-3777	164	37	offrate	offrate	NOUN
fsr-3777	164	38	0.9	0.9	NUM
fsr-3777	164	39	%	%	NOUN
fsr-3777	164	40	4.5	4.5	NUM
fsr-3777	164	41	x	x	NOUN
fsr-3777	164	42	*	*	PUNCT
fsr-3777	164	43	=	=	SYM
fsr-3777	165	1	33.0	33.0	NUM
fsr-3777	165	2	*	*	SYM
fsr-3777	165	3	132	132	NUM
fsr-3777	165	4	financial	financial	ADJ
fsr-3777	165	5	services	service	NOUN
fsr-3777	165	6	review	review	NOUN
fsr-3777	165	7	4(2	4(2	NUM
fsr-3777	165	8	)	)	PUNCT
fsr-3777	165	9	199.5	199.5	NUM
fsr-3777	165	10	table	table	NOUN
fsr-3777	165	11	5	5	NUM
fsr-3777	165	12	logit	logit	NOUN
fsr-3777	165	13	analysis	analysis	NOUN
fsr-3777	165	14	of	of	ADP
fsr-3777	165	15	the	the	DET
fsr-3777	165	16	default	default	NOUN
fsr-3777	165	17	choice	choice	NOUN
fsr-3777	165	18	dependent	dependent	ADJ
fsr-3777	165	19	variable	variable	NOUN
fsr-3777	165	20	:	:	PUNCT
fsr-3777	165	21	probability	probability	NOUN
fsr-3777	165	22	of	of	ADP
fsr-3777	165	23	choosing	choose	VERB
fsr-3777	165	24	bankruptcy	bankruptcy	NOUN
fsr-3777	165	25	over	over	ADP
fsr-3777	165	26	outright	outright	ADJ
fsr-3777	165	27	default	default	NOUN
fsr-3777	165	28	.	.	PUNCT
fsr-3777	166	1	independent	independent	ADJ
fsr-3777	166	2	variable	variable	ADJ
fsr-3777	166	3	estimated	estimate	VERB
fsr-3777	166	4	coefficient	coefficient	NOUN
fsr-3777	166	5	p	p	NOUN
fsr-3777	166	6	-	-	PUNCT
fsr-3777	166	7	value	value	NOUN
fsr-3777	166	8	legal	legal	ADJ
fsr-3777	166	9	condition	condition	NOUN
fsr-3777	166	10	prodebtor	prodebtor	NOUN
fsr-3777	166	11	-0.286	-0.286	PROPN
fsr-3777	166	12	*	*	PUNCT
fsr-3777	166	13	.c002	.c002	PROPN
fsr-3777	166	14	procreditor	procreditor	NOUN
fsr-3777	166	15	0.062	0.062	NUM
fsr-3777	166	16	.4234	.4234	ADJ
fsr-3777	166	17	credit	credit	NOUN
fsr-3777	166	18	limit	limit	NOUN
fsr-3777	166	19	0.0002	0.0002	NUM
fsr-3777	166	20	*	*	NOUN
fsr-3777	166	21	.0001	.0001	NUM
fsr-3777	166	22	account	account	NOUN
fsr-3777	166	23	age	age	NOUN
fsr-3777	166	24	0.006	0.006	NUM
fsr-3777	166	25	*	*	NOUN
fsr-3777	166	26	.ockjl	.ockjl	NOUN
fsr-3777	166	27	aggressive	aggressive	ADJ
fsr-3777	166	28	0.530	0.530	NUM
fsr-3777	166	29	*	*	SYM
fsr-3777	166	30	boo1	boo1	NOUN
fsr-3777	166	31	constant	constant	ADJ
fsr-3777	166	32	-1.295	-1.295	NOUN
fsr-3777	166	33	*	*	SYM
fsr-3777	166	34	.oool	.oool	ADJ
fsr-3777	166	35	variable	variable	ADJ
fsr-3777	166	36	mean	mean	NOUN
fsr-3777	166	37	value	value	NOUN
fsr-3777	166	38	,	,	PUNCT
fsr-3777	166	39	406	406	NUM
fsr-3777	166	40	,	,	PUNCT
fsr-3777	166	41	363	363	NUM
fsr-3777	166	42	$	$	SYM
fsr-3777	166	43	2,187	2,187	NUM
fsr-3777	166	44	61	61	NUM
fsr-3777	166	45	months	month	NOUN
fsr-3777	166	46	253	253	NUM
fsr-3777	166	47	notes	note	NOUN
fsr-3777	166	48	:	:	PUNCT
fsr-3777	166	49	n	n	PROPN
fsr-3777	166	50	=	=	SYM
fsr-3777	166	51	5,103	5,103	NUM
fsr-3777	166	52	(	(	PUNCT
fsr-3777	166	53	with	with	ADP
fsr-3777	166	54	38.5	38.5	NUM
fsr-3777	166	55	%	%	NOUN
fsr-3777	166	56	filing	filing	NOUN
fsr-3777	166	57	bankruptcy	bankruptcy	NOUN
fsr-3777	166	58	)	)	PUNCT
fsr-3777	166	59	.	.	PUNCT
fsr-3777	167	1	model	model	PROPN
fsr-3777	167	2	&	&	CCONJ
fsr-3777	167	3	i	i	PROPN
fsr-3777	167	4	-	-	PUNCT
fsr-3777	167	5	squared	square	VERB
fsr-3777	167	6	=	=	NOUN
fsr-3777	167	7	200.8	200.8	NUM
fsr-3777	167	8	;	;	PUNCT
fsr-3777	167	9	significant	significant	ADJ
fsr-3777	167	10	at	at	ADP
fsr-3777	167	11	the	the	DET
fsr-3777	167	12	95	95	NUM
fsr-3777	167	13	%	%	NOUN
fsr-3777	167	14	level	level	NOUN
fsr-3777	167	15	of	of	ADP
fsr-3777	167	16	confidence	confidence	NOUN
fsr-3777	167	17	.	.	PUNCT
fsr-3777	168	1	dramatically	dramatically	ADV
fsr-3777	168	2	higher	high	ADJ
fsr-3777	168	3	for	for	ADP
fsr-3777	168	4	accounts	account	NOUN
fsr-3777	168	5	with	with	ADP
fsr-3777	168	6	credit	credit	NOUN
fsr-3777	168	7	limits	limit	NOUN
fsr-3777	168	8	less	less	ADJ
fsr-3777	168	9	than	than	ADP
fsr-3777	168	10	$	$	SYM
fsr-3777	168	11	1,000	1,000	NUM
fsr-3777	168	12	versus	versus	ADP
fsr-3777	168	13	accounts	account	NOUN
fsr-3777	168	14	with	with	ADP
fsr-3777	168	15	larger	large	ADJ
fsr-3777	168	16	credit	credit	NOUN
fsr-3777	168	17	limits	limit	NOUN
fsr-3777	168	18	.	.	PUNCT
fsr-3777	169	1	the	the	DET
fsr-3777	169	2	probability	probability	NOUN
fsr-3777	169	3	of	of	ADP
fsr-3777	169	4	charge	charge	NOUN
fsr-3777	169	5	-	-	PUNCT
fsr-3777	169	6	off	off	NOUN
fsr-3777	169	7	was	be	AUX
fsr-3777	169	8	significantly	significantly	ADV
fsr-3777	169	9	higher	high	ADJ
fsr-3777	169	10	for	for	ADP
fsr-3777	169	11	accounts	account	NOUN
fsr-3777	169	12	that	that	PRON
fsr-3777	169	13	revolved	revolve	VERB
fsr-3777	169	14	their	their	PRON
fsr-3777	169	15	balances	balance	NOUN
fsr-3777	169	16	for	for	ADP
fsr-3777	169	17	more	more	ADJ
fsr-3777	169	18	than	than	ADP
fsr-3777	169	19	nine	nine	NUM
fsr-3777	169	20	months	month	NOUN
fsr-3777	169	21	of	of	ADP
fsr-3777	169	22	the	the	DET
fsr-3777	169	23	year	year	NOUN
fsr-3777	169	24	relative	relative	ADJ
fsr-3777	169	25	to	to	ADP
fsr-3777	169	26	those	those	PRON
fsr-3777	169	27	that	that	PRON
fsr-3777	169	28	were	be	AUX
fsr-3777	169	29	used	use	VERB
fsr-3777	169	30	less	less	ADV
fsr-3777	169	31	intensely	intensely	ADV
fsr-3777	169	32	as	as	ADP
fsr-3777	169	33	a	a	DET
fsr-3777	169	34	source	source	NOUN
fsr-3777	169	35	of	of	ADP
fsr-3777	169	36	credit	credit	NOUN
fsr-3777	169	37	.	.	PUNCT
fsr-3777	170	1	the	the	DET
fsr-3777	170	2	probability	probability	NOUN
fsr-3777	170	3	of	of	ADP
fsr-3777	170	4	charge	charge	NOUN
fsr-3777	170	5	-	-	PUNCT
fsr-3777	170	6	off	off	NOUN
fsr-3777	170	7	was	be	AUX
fsr-3777	170	8	also	also	ADV
fsr-3777	170	9	significantly	significantly	ADV
fsr-3777	170	10	higher	high	ADJ
fsr-3777	170	11	among	among	ADP
fsr-3777	170	12	those	those	DET
fsr-3777	170	13	accounts	account	NOUN
fsr-3777	170	14	in	in	ADP
fsr-3777	170	15	the	the	DET
fsr-3777	170	16	sample	sample	NOUN
fsr-3777	170	17	for	for	ADP
fsr-3777	170	18	which	which	PRON
fsr-3777	170	19	,	,	PUNCT
fsr-3777	170	20	on	on	ADP
fsr-3777	170	21	average	average	ADJ
fsr-3777	170	22	,	,	PUNCT
fsr-3777	170	23	more	more	ADJ
fsr-3777	170	24	than	than	ADP
fsr-3777	170	25	75	75	NUM
fsr-3777	170	26	%	%	NOUN
fsr-3777	170	27	of	of	ADP
fsr-3777	170	28	the	the	DET
fsr-3777	170	29	available	available	ADJ
fsr-3777	170	30	line	line	NOUN
fsr-3777	170	31	was	be	AUX
fsr-3777	170	32	used	use	VERB
fsr-3777	170	33	during	during	ADP
fsr-3777	170	34	the	the	DET
fsr-3777	170	35	year	year	NOUN
fsr-3777	170	36	relative	relative	ADJ
fsr-3777	170	37	to	to	ADP
fsr-3777	170	38	the	the	DET
fsr-3777	170	39	rest	rest	NOUN
fsr-3777	170	40	of	of	ADP
fsr-3777	170	41	the	the	DET
fsr-3777	170	42	sample	sample	NOUN
fsr-3777	170	43	of	of	ADP
fsr-3777	170	44	accounts	account	NOUN
fsr-3777	170	45	.	.	PUNCT
fsr-3777	171	1	finally	finally	ADV
fsr-3777	171	2	,	,	PUNCT
fsr-3777	171	3	accounts	account	NOUN
fsr-3777	171	4	using	use	VERB
fsr-3777	171	5	the	the	DET
fsr-3777	171	6	cash	cash	NOUN
fsr-3777	171	7	advance	advance	NOUN
fsr-3777	171	8	feature	feature	NOUN
fsr-3777	171	9	of	of	ADP
fsr-3777	171	10	the	the	DET
fsr-3777	171	11	credit	credit	NOUN
fsr-3777	171	12	card	card	NOUN
fsr-3777	171	13	had	have	VERB
fsr-3777	171	14	a	a	DET
fsr-3777	171	15	significantly	significantly	ADV
fsr-3777	171	16	higher	high	ADJ
fsr-3777	171	17	probability	probability	NOUN
fsr-3777	171	18	of	of	ADP
fsr-3777	171	19	charge	charge	NOUN
fsr-3777	171	20	-	-	PUNCT
fsr-3777	171	21	off	off	NOUN
fsr-3777	171	22	.	.	PUNCT
fsr-3777	172	1	in	in	ADP
fsr-3777	172	2	sum	sum	NOUN
fsr-3777	172	3	,	,	PUNCT
fsr-3777	172	4	cardholders	cardholder	NOUN
fsr-3777	172	5	who	who	PRON
fsr-3777	172	6	use	use	VERB
fsr-3777	172	7	their	their	PRON
fsr-3777	172	8	credit	credit	NOUN
fsr-3777	172	9	cards	card	NOUN
fsr-3777	172	10	aggressively	aggressively	ADV
fsr-3777	172	11	for	for	ADP
fsr-3777	172	12	credit	credit	NOUN
fsr-3777	172	13	are	be	AUX
fsr-3777	172	14	distinctively	distinctively	ADV
fsr-3777	172	15	different	different	ADJ
fsr-3777	172	16	from	from	ADP
fsr-3777	172	17	other	other	ADJ
fsr-3777	172	18	cardholders	cardholder	NOUN
fsr-3777	172	19	in	in	ADP
fsr-3777	172	20	terms	term	NOUN
fsr-3777	172	21	of	of	ADP
fsr-3777	172	22	the	the	DET
fsr-3777	172	23	probability	probability	NOUN
fsr-3777	172	24	that	that	SCONJ
fsr-3777	172	25	they	they	PRON
fsr-3777	172	26	will	will	AUX
fsr-3777	172	27	go	go	VERB
fsr-3777	172	28	into	into	ADP
fsr-3777	172	29	charge	charge	NOUN
fsr-3777	172	30	-	-	PUNCT
fsr-3777	172	31	off	off	NOUN
fsr-3777	172	32	.	.	PUNCT
fsr-3777	173	1	in	in	ADP
fsr-3777	173	2	the	the	DET
fsr-3777	173	3	final	final	ADJ
fsr-3777	173	4	section	section	NOUN
fsr-3777	173	5	,	,	PUNCT
fsr-3777	173	6	we	we	PRON
fsr-3777	173	7	use	use	VERB
fsr-3777	173	8	multivariate	multivariate	NOUN
fsr-3777	173	9	analysis	analysis	NOUN
fsr-3777	173	10	to	to	PART
fsr-3777	173	11	assess	assess	VERB
fsr-3777	173	12	the	the	DET
fsr-3777	173	13	extent	extent	NOUN
fsr-3777	173	14	to	to	PART
fsr-3777	173	15	which	which	PRON
fsr-3777	173	16	these	these	DET
fsr-3777	173	17	measures	measure	NOUN
fsr-3777	173	18	of	of	ADP
fsr-3777	173	19	card	card	NOUN
fsr-3777	173	20	use	use	NOUN
fsr-3777	173	21	are	be	AUX
fsr-3777	173	22	related	relate	VERB
fsr-3777	173	23	to	to	ADP
fsr-3777	173	24	the	the	DET
fsr-3777	173	25	value	value	NOUN
fsr-3777	173	26	of	of	ADP
fsr-3777	173	27	the	the	DET
fsr-3777	173	28	choices	choice	NOUN
fsr-3777	173	29	the	the	DET
fsr-3777	173	30	cardholders	cardholder	NOUN
fsr-3777	173	31	make	make	VERB
fsr-3777	173	32	in	in	ADP
fsr-3777	173	33	default	default	NOUN
fsr-3777	173	34	.	.	PUNCT
fsr-3777	174	1	d.	d.	PROPN
fsr-3777	174	2	card	card	PROPN
fsr-3777	174	3	use	use	NOUN
fsr-3777	174	4	and	and	CCONJ
fsr-3777	174	5	the	the	DET
fsr-3777	174	6	default	default	NOUN
fsr-3777	174	7	option	option	NOUN
fsr-3777	174	8	a	a	DET
fsr-3777	174	9	logit	logit	NOUN
fsr-3777	174	10	regression	regression	NOUN
fsr-3777	174	11	is	be	AUX
fsr-3777	174	12	used	use	VERB
fsr-3777	174	13	to	to	PART
fsr-3777	174	14	estimate	estimate	VERB
fsr-3777	174	15	the	the	DET
fsr-3777	174	16	likelihood	likelihood	NOUN
fsr-3777	174	17	of	of	ADP
fsr-3777	174	18	the	the	DET
fsr-3777	174	19	debtor	debtor	NOUN
fsr-3777	174	20	’s	’s	PART
fsr-3777	174	21	various	various	ADJ
fsr-3777	174	22	choices	choice	NOUN
fsr-3777	174	23	in	in	ADP
fsr-3777	174	24	default	default	NOUN
fsr-3777	174	25	.	.	PUNCT
fsr-3777	175	1	in	in	ADP
fsr-3777	175	2	logit	logit	PROPN
fsr-3777	175	3	analysis	analysis	NOUN
fsr-3777	175	4	,	,	PUNCT
fsr-3777	175	5	the	the	DET
fsr-3777	175	6	dependent	dependent	ADJ
fsr-3777	175	7	variable	variable	NOUN
fsr-3777	175	8	in	in	ADP
fsr-3777	175	9	the	the	DET
fsr-3777	175	10	regression	regression	NOUN
fsr-3777	175	11	model	model	NOUN
fsr-3777	175	12	reflects	reflect	VERB
fsr-3777	175	13	a	a	DET
fsr-3777	175	14	binary	binary	ADJ
fsr-3777	175	15	choice	choice	NOUN
fsr-3777	175	16	on	on	ADP
fsr-3777	175	17	the	the	DET
fsr-3777	175	18	part	part	NOUN
fsr-3777	175	19	of	of	ADP
fsr-3777	175	20	the	the	DET
fsr-3777	175	21	debtor	debtor	NOUN
fsr-3777	175	22	.	.	PUNCT
fsr-3777	176	1	in	in	ADP
fsr-3777	176	2	the	the	DET
fsr-3777	176	3	first	first	ADJ
fsr-3777	176	4	analysis	analysis	NOUN
fsr-3777	176	5	,	,	PUNCT
fsr-3777	176	6	the	the	DET
fsr-3777	176	7	debtor	debtor	NOUN
fsr-3777	176	8	’s	’s	PART
fsr-3777	176	9	choice	choice	NOUN
fsr-3777	176	10	is	be	AUX
fsr-3777	176	11	to	to	PART
fsr-3777	176	12	default	default	VERB
fsr-3777	176	13	outright	outright	ADV
fsr-3777	176	14	or	or	CCONJ
fsr-3777	176	15	to	to	PART
fsr-3777	176	16	file	file	VERB
fsr-3777	176	17	bankruptcy	bankruptcy	NOUN
fsr-3777	176	18	(	(	PUNCT
fsr-3777	176	19	table	table	NOUN
fsr-3777	176	20	5	5	NUM
fsr-3777	176	21	)	)	PUNCT
fsr-3777	176	22	.	.	PUNCT
fsr-3777	177	1	if	if	SCONJ
fsr-3777	177	2	the	the	DET
fsr-3777	177	3	choice	choice	NOUN
fsr-3777	177	4	to	to	PART
fsr-3777	177	5	file	file	VERB
fsr-3777	177	6	bankruptcy	bankruptcy	NOUN
fsr-3777	177	7	is	be	AUX
fsr-3777	177	8	made	make	VERB
fsr-3777	177	9	,	,	PUNCT
fsr-3777	177	10	then	then	ADV
fsr-3777	177	11	the	the	DET
fsr-3777	177	12	debtor	debtor	NOUN
fsr-3777	177	13	must	must	AUX
fsr-3777	177	14	decide	decide	VERB
fsr-3777	177	15	between	between	ADP
fsr-3777	177	16	filing	file	VERB
fsr-3777	177	17	under	under	ADP
fsr-3777	177	18	chapter	chapter	NOUN
fsr-3777	177	19	7	7	NUM
fsr-3777	177	20	or	or	CCONJ
fsr-3777	177	21	chapter	chapter	NOUN
fsr-3777	177	22	13	13	NUM
fsr-3777	177	23	of	of	ADP
fsr-3777	177	24	the	the	DET
fsr-3777	177	25	bankruptcy	bankruptcy	NOUN
fsr-3777	177	26	code	code	PROPN
fsr-3777	177	27	.	.	PUNCT
fsr-3777	178	1	the	the	DET
fsr-3777	178	2	latter	latter	ADJ
fsr-3777	178	3	is	be	AUX
fsr-3777	178	4	the	the	DET
fsr-3777	178	5	binary	binary	ADJ
fsr-3777	178	6	choice	choice	NOUN
fsr-3777	178	7	examined	examine	VERB
fsr-3777	178	8	in	in	ADP
fsr-3777	178	9	the	the	DET
fsr-3777	178	10	second	second	ADJ
fsr-3777	178	11	analysis	analysis	NOUN
fsr-3777	178	12	(	(	PUNCT
fsr-3777	178	13	table	table	NOUN
fsr-3777	178	14	6	6	NUM
fsr-3777	178	15	)	)	PUNCT
fsr-3777	178	16	.	.	PUNCT
fsr-3777	179	1	given	give	VERB
fsr-3777	179	2	information	information	NOUN
fsr-3777	179	3	on	on	ADP
fsr-3777	179	4	those	those	DET
fsr-3777	179	5	factors	factor	NOUN
fsr-3777	179	6	which	which	PRON
fsr-3777	179	7	are	be	AUX
fsr-3777	179	8	hypothesized	hypothesize	VERB
fsr-3777	179	9	to	to	PART
fsr-3777	179	10	affect	affect	VERB
fsr-3777	179	11	debtors	debtor	NOUN
fsr-3777	179	12	’	’	PART
fsr-3777	179	13	choices	choice	NOUN
fsr-3777	179	14	,	,	PUNCT
fsr-3777	179	15	the	the	DET
fsr-3777	179	16	logit	logit	NOUN
fsr-3777	179	17	regressions	regression	NOUN
fsr-3777	179	18	estimate	estimate	VERB
fsr-3777	179	19	the	the	DET
fsr-3777	179	20	likelihood	likelihood	NOUN
fsr-3777	179	21	that	that	SCONJ
fsr-3777	179	22	a	a	DET
fsr-3777	179	23	debtor	debtor	NOUN
fsr-3777	179	24	will	will	AUX
fsr-3777	179	25	file	file	VERB
fsr-3777	179	26	bankruptcy	bankruptcy	NOUN
fsr-3777	179	27	rather	rather	ADV
fsr-3777	179	28	than	than	ADP
fsr-3777	179	29	simply	simply	ADV
fsr-3777	179	30	default	default	NOUN
fsr-3777	179	31	and	and	CCONJ
fsr-3777	179	32	,	,	PUNCT
fsr-3777	179	33	further	far	ADV
fsr-3777	179	34	,	,	PUNCT
fsr-3777	179	35	what	what	DET
fsr-3777	179	36	type	type	NOUN
fsr-3777	179	37	of	of	ADP
fsr-3777	179	38	bankruptcy	bankruptcy	NOUN
fsr-3777	179	39	.	.	PUNCT
fsr-3777	180	1	it	it	PRON
fsr-3777	180	2	is	be	AUX
fsr-3777	180	3	assumed	assume	VERB
fsr-3777	180	4	that	that	SCONJ
fsr-3777	180	5	the	the	DET
fsr-3777	180	6	debtor	debtor	NOUN
fsr-3777	180	7	’s	’s	PART
fsr-3777	180	8	decisions	decision	NOUN
fsr-3777	180	9	are	be	AUX
fsr-3777	180	10	characterized	characterize	VERB
fsr-3777	180	11	by	by	ADP
fsr-3777	180	12	a	a	DET
fsr-3777	180	13	logistic	logistic	ADJ
fsr-3777	180	14	distribution	distribution	NOUN
fsr-3777	180	15	,	,	PUNCT
fsr-3777	180	16	and	and	CCONJ
fsr-3777	180	17	the	the	DET
fsr-3777	180	18	maximum	maximum	ADJ
fsr-3777	180	19	likelihood	likelihood	NOUN
fsr-3777	180	20	estimates	estimate	NOUN
fsr-3777	180	21	of	of	ADP
fsr-3777	180	22	the	the	DET
fsr-3777	180	23	regression	regression	NOUN
fsr-3777	180	24	coefficients	coefficient	NOUN
fsr-3777	180	25	yield	yield	VERB
fsr-3777	180	26	an	an	DET
fsr-3777	180	27	estimated	estimate	VERB
fsr-3777	180	28	probability	probability	NOUN
fsr-3777	180	29	derived	derive	VERB
fsr-3777	180	30	from	from	ADP
fsr-3777	180	31	the	the	DET
fsr-3777	180	32	cumulative	cumulative	ADJ
fsr-3777	180	33	logistic	logistic	ADJ
fsr-3777	180	34	distribution	distribution	NOUN
fsr-3777	180	35	function	function	NOUN
fsr-3777	180	36	.	.	PUNCT
fsr-3777	181	1	the	the	DET
fsr-3777	181	2	logistic	logistic	ADJ
fsr-3777	181	3	procedure	procedure	NOUN
fsr-3777	181	4	calculates	calculate	VERB
fsr-3777	181	5	the	the	DET
fsr-3777	181	6	p	p	NOUN
fsr-3777	181	7	-	-	PUNCT
fsr-3777	181	8	value	value	NOUN
fsr-3777	181	9	as	as	ADP
fsr-3777	181	10	a	a	DET
fsr-3777	181	11	measure	measure	NOUN
fsr-3777	181	12	of	of	ADP
fsr-3777	181	13	the	the	DET
fsr-3777	181	14	significance	significance	NOUN
fsr-3777	181	15	of	of	ADP
fsr-3777	181	16	each	each	DET
fsr-3777	181	17	estimated	estimate	VERB
fsr-3777	181	18	regression	regression	NOUN
fsr-3777	181	19	coefficient	coefficient	NOUN
fsr-3777	181	20	.	.	PUNCT
fsr-3777	182	1	the	the	DET
fsr-3777	182	2	overall	overall	ADJ
fsr-3777	182	3	model	model	NOUN
fsr-3777	182	4	fit	fit	NOUN
fsr-3777	182	5	is	be	AUX
fsr-3777	182	6	measured	measure	VERB
fsr-3777	182	7	by	by	ADP
fsr-3777	182	8	the	the	DET
fsr-3777	182	9	-2	-2	INTJ
fsr-3777	182	10	log	log	NOUN
fsr-3777	182	11	-	-	PUNCT
fsr-3777	182	12	likelihood	likelihood	NOUN
fsr-3777	182	13	statistic	statistic	NOUN
fsr-3777	182	14	.	.	PUNCT
fsr-3777	183	1	this	this	DET
fsr-3777	183	2	statistic	statistic	NOUN
fsr-3777	183	3	has	have	VERB
fsr-3777	183	4	a	a	DET
fsr-3777	183	5	chi	chi	ADJ
fsr-3777	183	6	-	-	PUNCT
fsr-3777	183	7	squared	square	VERB
fsr-3777	183	8	distribution	distribution	NOUN
fsr-3777	183	9	under	under	ADP
fsr-3777	183	10	the	the	DET
fsr-3777	183	11	null	null	ADJ
fsr-3777	183	12	hypothesis	hypothesis	NOUN
fsr-3777	183	13	that	that	PRON
fsr-3777	183	14	all	all	DET
fsr-3777	183	15	explanatory	explanatory	ADJ
fsr-3777	183	16	variables	variable	NOUN
fsr-3777	183	17	in	in	ADP
fsr-3777	183	18	the	the	DET
fsr-3777	183	19	model	model	NOUN
fsr-3777	183	20	are	be	AUX
fsr-3777	183	21	insignificant	insignificant	ADJ
fsr-3777	183	22	.	.	PUNCT
fsr-3777	184	1	the	the	DET
fsr-3777	184	2	explanatory	explanatory	ADJ
fsr-3777	184	3	variables	variable	NOUN
fsr-3777	184	4	used	use	VERB
fsr-3777	184	5	in	in	ADP
fsr-3777	184	6	the	the	DET
fsr-3777	184	7	estimations	estimation	NOUN
fsr-3777	184	8	are	be	AUX
fsr-3777	184	9	defined	define	VERB
fsr-3777	184	10	as	as	ADP
fsr-3777	184	11	the	the	DET
fsr-3777	184	12	legal	legal	ADJ
fsr-3777	184	13	condition	condition	NOUN
fsr-3777	184	14	present	present	ADJ
fsr-3777	184	15	in	in	ADP
fsr-3777	184	16	the	the	DET
fsr-3777	184	17	debtor	debtor	NOUN
fsr-3777	184	18	’s	’s	PART
fsr-3777	184	19	credit	credit	NOUN
fsr-3777	184	20	cards	card	NOUN
fsr-3777	184	21	and	and	CCONJ
fsr-3777	184	22	the	the	DET
fsr-3777	184	23	option	option	NOUN
fsr-3777	184	24	to	to	PART
fsr-3777	184	25	default	default	VERB
fsr-3777	184	26	133	133	NUM
fsr-3777	184	27	table	table	NOUN
fsr-3777	184	28	6	6	NUM
fsr-3777	184	29	logit	logit	NOUN
fsr-3777	184	30	analysis	analysis	NOUN
fsr-3777	184	31	of	of	ADP
fsr-3777	184	32	the	the	DET
fsr-3777	184	33	bankruptcy	bankruptcy	NOUN
fsr-3777	184	34	choice	choice	NOUN
fsr-3777	184	35	for	for	ADP
fsr-3777	184	36	debtors	debtor	NOUN
fsr-3777	184	37	who	who	PRON
fsr-3777	184	38	chose	choose	VERB
fsr-3777	184	39	bankruptcy	bankruptcy	NOUN
fsr-3777	184	40	dependent	dependent	ADJ
fsr-3777	184	41	variable	variable	ADJ
fsr-3777	184	42	=	=	NOUN
fsr-3777	184	43	probability	probability	NOUN
fsr-3777	184	44	of	of	ADP
fsr-3777	184	45	choosing	choose	VERB
fsr-3777	184	46	chapter	chapter	NOUN
fsr-3777	184	47	13	13	NUM
fsr-3777	184	48	over	over	ADP
fsr-3777	184	49	chapter	chapter	NOUN
fsr-3777	184	50	7	7	NUM
fsr-3777	184	51	.	.	PUNCT
fsr-3777	185	1	independent	independent	ADJ
fsr-3777	185	2	variable	variable	ADJ
fsr-3777	185	3	estimated	estimate	VERB
fsr-3777	185	4	coefficient	coefficient	NOUN
fsr-3777	185	5	p	p	NOUN
fsr-3777	185	6	-	-	PUNCT
fsr-3777	185	7	value	value	NOUN
fsr-3777	185	8	legal	legal	ADJ
fsr-3777	185	9	condition	condition	NOUN
fsr-3777	185	10	prodebtor	prodebtor	NOUN
fsr-3777	185	11	-0.024	-0.024	NUM
fsr-3777	185	12	*	*	SYM
fsr-3777	185	13	.8883	.8883	NOUN
fsr-3777	185	14	procreditor	procreditor	NOUN
fsr-3777	185	15	0.444	0.444	NUM
fsr-3777	185	16	.0065	.0065	NOUN
fsr-3777	185	17	credit	credit	NOUN
fsr-3777	185	18	limit	limit	NOUN
fsr-3777	185	19	-0.00003	-0.00003	NOUN
fsr-3777	186	1	.3052	.3052	PRON
fsr-3777	186	2	account	account	NOUN
fsr-3777	186	3	age	age	NOUN
fsr-3777	186	4	0.0005	0.0005	NUM
fsr-3777	186	5	.8436	.8436	PUNCT
fsr-3777	186	6	aggressive	aggressive	ADJ
fsr-3777	186	7	-0.281	-0.281	PUNCT
fsr-3777	186	8	*	*	PUNCT
fsr-3777	186	9	.0432	.0432	NOUN
fsr-3777	186	10	constant	constant	ADJ
fsr-3777	186	11	-1.704	-1.704	NOUN
fsr-3777	186	12	*	*	SYM
fsr-3777	186	13	.0001	.0001	PRON
fsr-3777	186	14	variable	variable	ADJ
fsr-3777	186	15	mean	mean	NOUN
fsr-3777	186	16	value	value	NOUN
fsr-3777	186	17	,	,	PUNCT
fsr-3777	186	18	365	365	NUM
fsr-3777	186	19	.392	.392	NUM
fsr-3777	186	20	$	$	SYM
fsr-3777	186	21	2,370	2,370	NUM
fsr-3777	186	22	64	64	NUM
fsr-3777	186	23	months	month	NOUN
fsr-3777	186	24	,	,	PUNCT
fsr-3777	186	25	323	323	NUM
fsr-3777	186	26	notes	note	NOUN
fsr-3777	186	27	:	:	PUNCT
fsr-3777	186	28	n	n	PROPN
fsr-3777	186	29	=	=	SYM
fsr-3777	186	30	1,967	1,967	NUM
fsr-3777	186	31	(	(	PUNCT
fsr-3777	186	32	with	with	ADP
fsr-3777	186	33	16.0	16.0	NUM
fsr-3777	186	34	%	%	NOUN
fsr-3777	186	35	filing	filing	NOUN
fsr-3777	186	36	under	under	ADP
fsr-3777	186	37	chapter	chapter	NOUN
fsr-3777	186	38	13	13	NUM
fsr-3777	186	39	)	)	PUNCT
fsr-3777	186	40	.	.	PUNCT
fsr-3777	187	1	model	model	PROPN
fsr-3777	187	2	&	&	CCONJ
fsr-3777	187	3	i	i	PROPN
fsr-3777	187	4	-	-	PUNCT
fsr-3777	187	5	squared	square	VERB
fsr-3777	187	6	=	=	NOUN
fsr-3777	187	7	17.6	17.6	NUM
fsr-3777	187	8	;	;	PUNCT
fsr-3777	187	9	significant	significant	ADJ
fsr-3777	187	10	at	at	ADP
fsr-3777	187	11	the	the	DET
fsr-3777	187	12	95	95	NUM
fsr-3777	187	13	%	%	NOUN
fsr-3777	187	14	level	level	NOUN
fsr-3777	187	15	of	of	ADP
fsr-3777	187	16	confidence	confidence	NOUN
fsr-3777	187	17	.	.	PUNCT
fsr-3777	188	1	state	state	NOUN
fsr-3777	188	2	,	,	PUNCT
fsr-3777	188	3	account	account	NOUN
fsr-3777	188	4	characteristics	characteristic	NOUN
fsr-3777	188	5	,	,	PUNCT
fsr-3777	188	6	and	and	CCONJ
fsr-3777	188	7	card	card	NOUN
fsr-3777	188	8	-	-	PUNCT
fsr-3777	188	9	use	use	NOUN
fsr-3777	188	10	behavior	behavior	NOUN
fsr-3777	188	11	.	.	PUNCT
fsr-3777	189	1	to	to	PART
fsr-3777	189	2	measure	measure	VERB
fsr-3777	189	3	the	the	DET
fsr-3777	189	4	legal	legal	ADJ
fsr-3777	189	5	condition	condition	NOUN
fsr-3777	189	6	,	,	PUNCT
fsr-3777	189	7	two	two	NUM
fsr-3777	189	8	dummy	dummy	ADJ
fsr-3777	189	9	variables	variable	NOUN
fsr-3777	189	10	are	be	AUX
fsr-3777	189	11	included	include	VERB
fsr-3777	189	12	.	.	PUNCT
fsr-3777	190	1	prodebtor	prodebtor	NOUN
fsr-3777	190	2	takes	take	VERB
fsr-3777	190	3	the	the	DET
fsr-3777	190	4	value	value	NOUN
fsr-3777	190	5	of	of	ADP
fsr-3777	190	6	1	1	NUM
fsr-3777	190	7	for	for	ADP
fsr-3777	190	8	states	state	NOUN
fsr-3777	190	9	that	that	PRON
fsr-3777	190	10	have	have	VERB
fsr-3777	190	11	higher	high	ADJ
fsr-3777	190	12	restrictions	restriction	NOUN
fsr-3777	190	13	on	on	ADP
fsr-3777	190	14	wage	wage	NOUN
fsr-3777	190	15	garnishment	garnishment	NOUN
fsr-3777	190	16	than	than	ADP
fsr-3777	190	17	the	the	DET
fsr-3777	190	18	federal	federal	ADJ
fsr-3777	190	19	rule	rule	NOUN
fsr-3777	190	20	and	and	CCONJ
fsr-3777	190	21	where	where	SCONJ
fsr-3777	190	22	asset	asset	NOUN
fsr-3777	190	23	exemptions	exemption	NOUN
fsr-3777	190	24	were	be	AUX
fsr-3777	190	25	set	set	VERB
fsr-3777	190	26	at	at	ADP
fsr-3777	190	27	or	or	CCONJ
fsr-3777	190	28	above	above	ADP
fsr-3777	190	29	the	the	DET
fsr-3777	190	30	federal	federal	ADJ
fsr-3777	190	31	level	level	NOUN
fsr-3777	190	32	,	,	PUNCT
fsr-3777	190	33	and	and	CCONJ
fsr-3777	190	34	0	0	NUM
fsr-3777	190	35	otherwise	otherwise	ADV
fsr-3777	190	36	.	.	PUNCT
fsr-3777	191	1	the	the	DET
fsr-3777	191	2	variable	variable	ADJ
fsr-3777	191	3	procrediror	procrediror	NOUN
fsr-3777	191	4	takes	take	VERB
fsr-3777	191	5	the	the	DET
fsr-3777	191	6	value	value	NOUN
fsr-3777	191	7	of	of	ADP
fsr-3777	191	8	1	1	NUM
fsr-3777	191	9	for	for	ADP
fsr-3777	191	10	states	state	NOUN
fsr-3777	191	11	with	with	ADP
fsr-3777	191	12	strict	strict	ADJ
fsr-3777	191	13	or	or	CCONJ
fsr-3777	191	14	low	low	ADJ
fsr-3777	191	15	asset	asset	NOUN
fsr-3777	191	16	exemption	exemption	NOUN
fsr-3777	191	17	allowances	allowance	NOUN
fsr-3777	191	18	and	and	CCONJ
fsr-3777	191	19	the	the	DET
fsr-3777	191	20	federal	federal	ADJ
fsr-3777	191	21	allowance	allowance	NOUN
fsr-3777	191	22	for	for	ADP
fsr-3777	191	23	wage	wage	NOUN
fsr-3777	191	24	garnishment	garnishment	NOUN
fsr-3777	191	25	,	,	PUNCT
fsr-3777	191	26	and	and	CCONJ
fsr-3777	191	27	0	0	NUM
fsr-3777	191	28	otherwise	otherwise	ADV
fsr-3777	191	29	.	.	PUNCT
fsr-3777	192	1	the	the	DET
fsr-3777	192	2	mixed	mixed	ADJ
fsr-3777	192	3	message	message	NOUN
fsr-3777	192	4	states	state	NOUN
fsr-3777	192	5	in	in	ADP
fsr-3777	192	6	this	this	DET
fsr-3777	192	7	study	study	NOUN
fsr-3777	192	8	will	will	AUX
fsr-3777	192	9	remain	remain	VERB
fsr-3777	192	10	in	in	ADP
fsr-3777	192	11	the	the	DET
fsr-3777	192	12	constant	constant	NOUN
fsr-3777	192	13	.	.	PUNCT
fsr-3777	193	1	another	another	DET
fsr-3777	193	2	dummy	dummy	ADJ
fsr-3777	193	3	variable	variable	NOUN
fsr-3777	193	4	was	be	AUX
fsr-3777	193	5	created	create	VERB
fsr-3777	193	6	to	to	PART
fsr-3777	193	7	measure	measure	VERB
fsr-3777	193	8	aggressive	aggressive	ADJ
fsr-3777	193	9	card	card	NOUN
fsr-3777	193	10	-	-	PUNCT
fsr-3777	193	11	use	use	NOUN
fsr-3777	193	12	behavior	behavior	NOUN
fsr-3777	193	13	in	in	ADP
fsr-3777	193	14	the	the	DET
fsr-3777	193	15	year	year	NOUN
fsr-3777	193	16	prior	prior	ADV
fsr-3777	193	17	to	to	ADP
fsr-3777	193	18	charge	charge	NOUN
fsr-3777	193	19	-	-	PUNCT
fsr-3777	193	20	off	off	NOUN
fsr-3777	193	21	.	.	PUNCT
fsr-3777	194	1	the	the	DET
fsr-3777	194	2	variable	variable	ADJ
fsr-3777	194	3	aggressive	aggressive	ADJ
fsr-3777	194	4	takes	take	VERB
fsr-3777	194	5	the	the	DET
fsr-3777	194	6	value	value	NOUN
fsr-3777	194	7	1	1	NUM
fsr-3777	194	8	for	for	ADP
fsr-3777	194	9	those	those	DET
fsr-3777	194	10	accounts	account	NOUN
fsr-3777	194	11	that	that	PRON
fsr-3777	194	12	were	be	AUX
fsr-3777	194	13	revolved	revolve	VERB
fsr-3777	194	14	more	more	ADJ
fsr-3777	194	15	than	than	ADP
fsr-3777	194	16	nine	nine	NUM
fsr-3777	194	17	months	month	NOUN
fsr-3777	194	18	in	in	ADP
fsr-3777	194	19	that	that	DET
fsr-3777	194	20	year	year	NOUN
fsr-3777	194	21	,	,	PUNCT
fsr-3777	194	22	kept	keep	VERB
fsr-3777	194	23	an	an	DET
fsr-3777	194	24	average	average	ADJ
fsr-3777	194	25	balance	balance	NOUN
fsr-3777	194	26	of	of	ADP
fsr-3777	194	27	more	more	ADJ
fsr-3777	194	28	than	than	ADP
fsr-3777	194	29	75	75	NUM
fsr-3777	194	30	%	%	NOUN
fsr-3777	194	31	of	of	ADP
fsr-3777	194	32	the	the	DET
fsr-3777	194	33	credit	credit	NOUN
fsr-3777	194	34	line	line	NOUN
fsr-3777	194	35	,	,	PUNCT
fsr-3777	194	36	and	and	CCONJ
fsr-3777	194	37	used	use	VERB
fsr-3777	194	38	the	the	DET
fsr-3777	194	39	cash	cash	NOUN
fsr-3777	194	40	advance	advance	NOUN
fsr-3777	194	41	feature	feature	NOUN
fsr-3777	194	42	at	at	ADV
fsr-3777	194	43	least	least	ADJ
fsr-3777	194	44	once	once	ADV
fsr-3777	194	45	.	.	PUNCT
fsr-3777	195	1	otherwise	otherwise	ADV
fsr-3777	195	2	,	,	PUNCT
fsr-3777	195	3	aggressive	aggressive	ADJ
fsr-3777	195	4	takes	take	VERB
fsr-3777	195	5	the	the	DET
fsr-3777	195	6	value	value	NOUN
fsr-3777	195	7	0	0	NUM
fsr-3777	195	8	.	.	PUNCT
fsr-3777	196	1	the	the	DET
fsr-3777	196	2	continuous	continuous	ADJ
fsr-3777	196	3	variable	variable	NOUN
fsr-3777	196	4	,	,	PUNCT
fsr-3777	196	5	credit	credit	NOUN
fsr-3777	196	6	limit	limit	NOUN
fsr-3777	196	7	,	,	PUNCT
fsr-3777	196	8	is	be	AUX
fsr-3777	196	9	the	the	DET
fsr-3777	196	10	dollar	dollar	NOUN
fsr-3777	196	11	value	value	NOUN
fsr-3777	196	12	of	of	ADP
fsr-3777	196	13	the	the	DET
fsr-3777	196	14	account	account	NOUN
fsr-3777	196	15	’s	’s	PART
fsr-3777	196	16	credit	credit	NOUN
fsr-3777	196	17	line	line	NOUN
fsr-3777	196	18	.	.	PUNCT
fsr-3777	197	1	it	it	PRON
fsr-3777	197	2	is	be	AUX
fsr-3777	197	3	expected	expect	VERB
fsr-3777	197	4	that	that	SCONJ
fsr-3777	197	5	this	this	DET
fsr-3777	197	6	account	account	NOUN
fsr-3777	197	7	characteristic	characteristic	NOUN
fsr-3777	197	8	is	be	AUX
fsr-3777	197	9	positively	positively	ADV
fsr-3777	197	10	correlated	correlate	VERB
fsr-3777	197	11	with	with	ADP
fsr-3777	197	12	the	the	DET
fsr-3777	197	13	creditworthiness	creditworthiness	NOUN
fsr-3777	197	14	of	of	ADP
fsr-3777	197	15	the	the	DET
fsr-3777	197	16	cardholder	cardholder	NOUN
fsr-3777	197	17	.	.	PUNCT
fsr-3777	198	1	analysis	analysis	NOUN
fsr-3777	198	2	of	of	ADP
fsr-3777	198	3	these	these	DET
fsr-3777	198	4	accounts	account	NOUN
fsr-3777	198	5	indicates	indicate	VERB
fsr-3777	198	6	that	that	SCONJ
fsr-3777	198	7	the	the	DET
fsr-3777	198	8	size	size	NOUN
fsr-3777	198	9	of	of	ADP
fsr-3777	198	10	the	the	DET
fsr-3777	198	11	credit	credit	NOUN
fsr-3777	198	12	line	line	NOUN
fsr-3777	198	13	is	be	AUX
fsr-3777	198	14	significantly	significantly	ADV
fsr-3777	198	15	positively	positively	ADV
fsr-3777	198	16	correlated	correlate	VERB
fsr-3777	198	17	with	with	ADP
fsr-3777	198	18	the	the	DET
fsr-3777	198	19	age	age	NOUN
fsr-3777	198	20	of	of	ADP
fsr-3777	198	21	the	the	DET
fsr-3777	198	22	principal	principal	NOUN
fsr-3777	198	23	cardholder.4	cardholder.4	PRON
fsr-3777	198	24	the	the	DET
fsr-3777	198	25	continuous	continuous	ADJ
fsr-3777	198	26	variable	variable	ADJ
fsr-3777	198	27	account	account	NOUN
fsr-3777	198	28	age	age	NOUN
fsr-3777	198	29	measures	measure	VERB
fsr-3777	198	30	the	the	DET
fsr-3777	198	31	length	length	NOUN
fsr-3777	198	32	of	of	ADP
fsr-3777	198	33	time	time	NOUN
fsr-3777	198	34	the	the	DET
fsr-3777	198	35	account	account	NOUN
fsr-3777	198	36	has	have	AUX
fsr-3777	198	37	been	be	AUX
fsr-3777	198	38	opened	open	VERB
fsr-3777	198	39	,	,	PUNCT
fsr-3777	198	40	another	another	DET
fsr-3777	198	41	measure	measure	NOUN
fsr-3777	198	42	of	of	ADP
fsr-3777	198	43	creditworthiness	creditworthiness	PROPN
fsr-3777	198	44	.	.	PUNCT
fsr-3777	199	1	e.	e.	PROPN
fsr-3777	199	2	outright	outright	PROPN
fsr-3777	199	3	default	default	NOUN
fsr-3777	199	4	versus	versus	ADP
fsr-3777	199	5	bankruptcy	bankruptcy	NOUN
fsr-3777	199	6	the	the	DET
fsr-3777	199	7	estimated	estimate	VERB
fsr-3777	199	8	logit	logit	PROPN
fsr-3777	199	9	model	model	NOUN
fsr-3777	199	10	performs	perform	VERB
fsr-3777	199	11	well	well	ADV
fsr-3777	199	12	in	in	ADP
fsr-3777	199	13	determining	determine	VERB
fsr-3777	199	14	the	the	DET
fsr-3777	199	15	probability	probability	NOUN
fsr-3777	199	16	that	that	SCONJ
fsr-3777	199	17	a	a	DET
fsr-3777	199	18	debtor	debtor	NOUN
fsr-3777	199	19	will	will	AUX
fsr-3777	199	20	choose	choose	VERB
fsr-3777	199	21	bankruptcy	bankruptcy	NOUN
fsr-3777	199	22	over	over	ADP
fsr-3777	199	23	outright	outright	ADJ
fsr-3777	199	24	default	default	NOUN
fsr-3777	199	25	.	.	PUNCT
fsr-3777	200	1	in	in	ADP
fsr-3777	200	2	particular	particular	ADJ
fsr-3777	200	3	,	,	PUNCT
fsr-3777	200	4	account	account	NOUN
fsr-3777	200	5	characteristics	characteristic	NOUN
fsr-3777	200	6	are	be	AUX
fsr-3777	200	7	significantly	significantly	ADV
fsr-3777	200	8	related	relate	VERB
fsr-3777	200	9	to	to	ADP
fsr-3777	200	10	the	the	DET
fsr-3777	200	11	debtor	debtor	NOUN
fsr-3777	200	12	’s	’s	PART
fsr-3777	200	13	default	default	NOUN
fsr-3777	200	14	choice	choice	NOUN
fsr-3777	200	15	,	,	PUNCT
fsr-3777	200	16	holding	hold	VERB
fsr-3777	200	17	legal	legal	ADJ
fsr-3777	200	18	conditions	condition	NOUN
fsr-3777	200	19	constant	constant	ADJ
fsr-3777	200	20	(	(	PUNCT
fsr-3777	200	21	table	table	NOUN
fsr-3777	200	22	5	5	NUM
fsr-3777	200	23	)	)	PUNCT
fsr-3777	200	24	.	.	PUNCT
fsr-3777	201	1	cardholders	cardholder	NOUN
fsr-3777	201	2	with	with	ADP
fsr-3777	201	3	larger	large	ADJ
fsr-3777	201	4	credit	credit	NOUN
fsr-3777	201	5	lines	line	NOUN
fsr-3777	201	6	and	and	CCONJ
fsr-3777	201	7	those	those	PRON
fsr-3777	201	8	with	with	ADP
fsr-3777	201	9	more	more	ADV
fsr-3777	201	10	mature	mature	ADJ
fsr-3777	201	11	accounts	account	NOUN
fsr-3777	201	12	were	be	AUX
fsr-3777	201	13	signifi	signifi	NOUN
fsr-3777	201	14	cantly	cantly	ADV
fsr-3777	201	15	more	more	ADV
fsr-3777	201	16	likely	likely	ADJ
fsr-3777	201	17	to	to	PART
fsr-3777	201	18	file	file	VERB
fsr-3777	201	19	bankruptcy	bankruptcy	NOUN
fsr-3777	201	20	relative	relative	ADJ
fsr-3777	201	21	to	to	ADP
fsr-3777	201	22	other	other	ADJ
fsr-3777	201	23	cardholders	cardholder	NOUN
fsr-3777	201	24	.	.	PUNCT
fsr-3777	202	1	furthermore	furthermore	ADV
fsr-3777	202	2	,	,	PUNCT
fsr-3777	202	3	cardholders	cardholder	NOUN
fsr-3777	202	4	who	who	PRON
fsr-3777	202	5	revolved	revolve	VERB
fsr-3777	202	6	a	a	DET
fsr-3777	202	7	large	large	ADJ
fsr-3777	202	8	percentage	percentage	NOUN
fsr-3777	202	9	of	of	ADP
fsr-3777	202	10	their	their	PRON
fsr-3777	202	11	line	line	NOUN
fsr-3777	202	12	for	for	ADP
fsr-3777	202	13	most	most	ADJ
fsr-3777	202	14	of	of	ADP
fsr-3777	202	15	the	the	DET
fsr-3777	202	16	year	year	NOUN
fsr-3777	202	17	and	and	CCONJ
fsr-3777	202	18	also	also	ADV
fsr-3777	202	19	used	use	VERB
fsr-3777	202	20	cash	cash	NOUN
fsr-3777	202	21	advances	advance	NOUN
fsr-3777	202	22	were	be	AUX
fsr-3777	202	23	significantly	significantly	ADV
fsr-3777	202	24	more	more	ADV
fsr-3777	202	25	likely	likely	ADJ
fsr-3777	202	26	to	to	PART
fsr-3777	202	27	file	file	VERB
fsr-3777	202	28	bankruptcy	bankruptcy	NOUN
fsr-3777	202	29	than	than	ADP
fsr-3777	202	30	default	default	NOUN
fsr-3777	202	31	outright	outright	ADV
fsr-3777	202	32	.	.	PUNCT
fsr-3777	203	1	this	this	DET
fsr-3777	203	2	result	result	NOUN
fsr-3777	203	3	reinforces	reinforce	VERB
fsr-3777	203	4	the	the	DET
fsr-3777	203	5	idea	idea	NOUN
fsr-3777	203	6	that	that	SCONJ
fsr-3777	203	7	aggressive	aggressive	ADJ
fsr-3777	203	8	card	card	NOUN
fsr-3777	203	9	users	user	NOUN
fsr-3777	203	10	chose	choose	VERB
fsr-3777	203	11	the	the	DET
fsr-3777	203	12	default	default	NOUN
fsr-3777	203	13	option	option	NOUN
fsr-3777	203	14	which	which	PRON
fsr-3777	203	15	yields	yield	VERB
fsr-3777	203	16	the	the	DET
fsr-3777	203	17	highest	high	ADJ
fsr-3777	203	18	value	value	NOUN
fsr-3777	203	19	.	.	PUNCT
fsr-3777	204	1	as	as	SCONJ
fsr-3777	204	2	was	be	AUX
fsr-3777	204	3	the	the	DET
fsr-3777	204	4	case	case	NOUN
fsr-3777	204	5	in	in	ADP
fsr-3777	204	6	the	the	DET
fsr-3777	204	7	univariate	univariate	ADJ
fsr-3777	204	8	analysis	analysis	NOUN
fsr-3777	204	9	,	,	PUNCT
fsr-3777	204	10	debtors	debtor	NOUN
fsr-3777	204	11	in	in	ADP
fsr-3777	204	12	default	default	NOUN
fsr-3777	204	13	in	in	ADP
fsr-3777	204	14	pro	pro	ADJ
fsr-3777	204	15	debtor	debtor	NOUN
fsr-3777	204	16	states	state	NOUN
fsr-3777	204	17	were	be	AUX
fsr-3777	204	18	significantly	significantly	ADV
fsr-3777	204	19	less	less	ADV
fsr-3777	204	20	likely	likely	ADJ
fsr-3777	204	21	to	to	PART
fsr-3777	204	22	choose	choose	VERB
fsr-3777	204	23	bankruptcy	bankruptcy	NOUN
fsr-3777	204	24	than	than	SCONJ
fsr-3777	204	25	were	be	AUX
fsr-3777	204	26	debtors	debtor	NOUN
fsr-3777	204	27	in	in	ADP
fsr-3777	204	28	the	the	DET
fsr-3777	204	29	mixed	mixed	ADJ
fsr-3777	204	30	message	message	NOUN
fsr-3777	204	31	states	state	NOUN
fsr-3777	204	32	.	.	PUNCT
fsr-3777	205	1	134	134	NUM
fsr-3777	205	2	financial	financial	ADJ
fsr-3777	205	3	services	service	NOUN
fsr-3777	205	4	review	review	NOUN
fsr-3777	205	5	4(2	4(2	NUM
fsr-3777	205	6	)	)	PUNCT
fsr-3777	205	7	1995	1995	NUM
fsr-3777	205	8	however	however	ADV
fsr-3777	205	9	,	,	PUNCT
fsr-3777	205	10	in	in	ADP
fsr-3777	205	11	contrast	contrast	NOUN
fsr-3777	205	12	to	to	ADP
fsr-3777	205	13	the	the	DET
fsr-3777	205	14	results	result	NOUN
fsr-3777	205	15	of	of	ADP
fsr-3777	205	16	the	the	DET
fsr-3777	205	17	univariate	univariate	ADJ
fsr-3777	205	18	analysis	analysis	NOUN
fsr-3777	205	19	,	,	PUNCT
fsr-3777	205	20	debtors	debtor	NOUN
fsr-3777	205	21	in	in	ADP
fsr-3777	205	22	the	the	DET
fsr-3777	205	23	pro	pro	ADJ
fsr-3777	205	24	creditor	creditor	NOUN
fsr-3777	205	25	states	state	NOUN
fsr-3777	205	26	were	be	AUX
fsr-3777	205	27	not	not	PART
fsr-3777	205	28	significantly	significantly	ADV
fsr-3777	205	29	more	more	ADV
fsr-3777	205	30	likely	likely	ADJ
fsr-3777	205	31	to	to	PART
fsr-3777	205	32	choose	choose	VERB
fsr-3777	205	33	bankruptcy	bankruptcy	NOUN
fsr-3777	205	34	,	,	PUNCT
fsr-3777	205	35	holding	hold	VERB
fsr-3777	205	36	account	account	NOUN
fsr-3777	205	37	characteristics	characteristic	NOUN
fsr-3777	205	38	and	and	CCONJ
fsr-3777	205	39	aggressive	aggressive	ADJ
fsr-3777	205	40	card	card	NOUN
fsr-3777	205	41	use	use	NOUN
fsr-3777	205	42	behavior	behavior	NOUN
fsr-3777	205	43	constant	constant	ADJ
fsr-3777	205	44	.	.	PUNCT
fsr-3777	206	1	for	for	ADP
fsr-3777	206	2	further	further	ADJ
fsr-3777	206	3	insight	insight	NOUN
fsr-3777	206	4	on	on	ADP
fsr-3777	206	5	the	the	DET
fsr-3777	206	6	impact	impact	NOUN
fsr-3777	206	7	of	of	ADP
fsr-3777	206	8	legal	legal	ADJ
fsr-3777	206	9	conditions	condition	NOUN
fsr-3777	206	10	on	on	ADP
fsr-3777	206	11	debtors	debtor	NOUN
fsr-3777	206	12	’	’	PART
fsr-3777	206	13	choices	choice	NOUN
fsr-3777	206	14	,	,	PUNCT
fsr-3777	206	15	holding	hold	VERB
fsr-3777	206	16	card	card	NOUN
fsr-3777	206	17	usage	usage	NOUN
fsr-3777	206	18	characteristics	characteristic	NOUN
fsr-3777	206	19	constant	constant	ADJ
fsr-3777	206	20	,	,	PUNCT
fsr-3777	206	21	we	we	PRON
fsr-3777	206	22	duplicated	duplicate	VERB
fsr-3777	206	23	the	the	DET
fsr-3777	206	24	analysis	analysis	NOUN
fsr-3777	206	25	in	in	ADP
fsr-3777	206	26	table	table	NOUN
fsr-3777	206	27	5	5	NUM
fsr-3777	206	28	,	,	PUNCT
fsr-3777	206	29	disaggregating	disaggregate	VERB
fsr-3777	206	30	the	the	DET
fsr-3777	206	31	legal	legal	ADJ
fsr-3777	206	32	conditions	condition	NOUN
fsr-3777	206	33	into	into	ADP
fsr-3777	206	34	separate	separate	ADJ
fsr-3777	206	35	garnishment	garnishment	NOUN
fsr-3777	206	36	and	and	CCONJ
fsr-3777	206	37	asset	asset	NOUN
fsr-3777	206	38	exemption	exemption	NOUN
fsr-3777	206	39	variables	variable	NOUN
fsr-3777	206	40	.	.	PUNCT
fsr-3777	207	1	the	the	DET
fsr-3777	207	2	results	result	NOUN
fsr-3777	207	3	(	(	PUNCT
fsr-3777	207	4	not	not	PART
fsr-3777	207	5	shown	show	VERB
fsr-3777	207	6	)	)	PUNCT
fsr-3777	207	7	indicate	indicate	VERB
fsr-3777	207	8	that	that	SCONJ
fsr-3777	207	9	debtors	debtor	NOUN
fsr-3777	207	10	’	’	PART
fsr-3777	207	11	choices	choice	NOUN
fsr-3777	207	12	between	between	ADP
fsr-3777	207	13	outright	outright	ADJ
fsr-3777	207	14	default	default	NOUN
fsr-3777	207	15	and	and	CCONJ
fsr-3777	207	16	bankruptcy	bankruptcy	NOUN
fsr-3777	207	17	were	be	AUX
fsr-3777	207	18	not	not	PART
fsr-3777	207	19	systemati	systemati	NOUN
fsr-3777	207	20	cally	cally	ADV
fsr-3777	207	21	impacted	impact	VERB
fsr-3777	207	22	by	by	ADP
fsr-3777	207	23	the	the	DET
fsr-3777	207	24	level	level	NOUN
fsr-3777	207	25	of	of	ADP
fsr-3777	207	26	asset	asset	NOUN
fsr-3777	207	27	exemptions	exemption	NOUN
fsr-3777	207	28	.	.	PUNCT
fsr-3777	208	1	however	however	ADV
fsr-3777	208	2	,	,	PUNCT
fsr-3777	208	3	debtors	debtor	NOUN
fsr-3777	208	4	were	be	AUX
fsr-3777	208	5	significantly	significantly	ADV
fsr-3777	208	6	more	more	ADV
fsr-3777	208	7	likely	likely	ADJ
fsr-3777	208	8	to	to	PART
fsr-3777	208	9	default	default	VERB
fsr-3777	208	10	outright	outright	ADV
fsr-3777	208	11	rather	rather	ADV
fsr-3777	208	12	than	than	ADP
fsr-3777	208	13	tile	tile	NOUN
fsr-3777	208	14	bankruptcy	bankruptcy	NOUN
fsr-3777	208	15	in	in	ADP
fsr-3777	208	16	states	state	NOUN
fsr-3777	208	17	where	where	SCONJ
fsr-3777	208	18	garnishment	garnishment	NOUN
fsr-3777	208	19	was	be	AUX
fsr-3777	208	20	prohibited	prohibit	VERB
fsr-3777	208	21	or	or	CCONJ
fsr-3777	208	22	severely	severely	ADV
fsr-3777	208	23	restricted	restrict	VERB
fsr-3777	208	24	.	.	PUNCT
fsr-3777	209	1	these	these	DET
fsr-3777	209	2	results	result	NOUN
fsr-3777	209	3	are	be	AUX
fsr-3777	209	4	consistent	consistent	ADJ
fsr-3777	209	5	with	with	ADP
fsr-3777	209	6	those	those	PRON
fsr-3777	209	7	of	of	ADP
fsr-3777	209	8	several	several	ADJ
fsr-3777	209	9	other	other	ADJ
fsr-3777	209	10	analyses	analysis	NOUN
fsr-3777	209	11	of	of	ADP
fsr-3777	209	12	the	the	DET
fsr-3777	209	13	significance	significance	NOUN
fsr-3777	209	14	of	of	ADP
fsr-3777	209	15	the	the	DET
fsr-3777	209	16	rules	rule	NOUN
fsr-3777	209	17	governing	govern	VERB
fsr-3777	209	18	garnishment	garnishment	NOUN
fsr-3777	209	19	in	in	ADP
fsr-3777	209	20	consumers	consumer	NOUN
fsr-3777	209	21	’	’	PART
fsr-3777	209	22	default	default	NOUN
fsr-3777	209	23	behaviors	behavior	NOUN
fsr-3777	209	24	.	.	PUNCT
fsr-3777	210	1	f.	f.	PROPN
fsr-3777	210	2	chapter	chapter	PROPN
fsr-3777	210	3	7	7	NUM
fsr-3777	210	4	versus	versus	ADP
fsr-3777	210	5	chapter	chapter	NOUN
fsr-3777	210	6	13	13	NUM
fsr-3777	210	7	the	the	DET
fsr-3777	210	8	estimated	estimate	VERB
fsr-3777	210	9	logit	logit	PROPN
fsr-3777	210	10	model	model	NOUN
fsr-3777	210	11	also	also	ADV
fsr-3777	210	12	performed	perform	VERB
fsr-3777	210	13	well	well	ADV
fsr-3777	210	14	in	in	ADP
fsr-3777	210	15	determining	determine	VERB
fsr-3777	210	16	the	the	DET
fsr-3777	210	17	probability	probability	NOUN
fsr-3777	210	18	that	that	SCONJ
fsr-3777	210	19	a	a	DET
fsr-3777	210	20	debtor	debtor	NOUN
fsr-3777	210	21	would	would	AUX
fsr-3777	210	22	choose	choose	VERB
fsr-3777	210	23	chapter	chapter	NOUN
fsr-3777	210	24	13	13	NUM
fsr-3777	210	25	over	over	ADP
fsr-3777	210	26	chapter	chapter	NOUN
fsr-3777	210	27	7	7	NUM
fsr-3777	210	28	,	,	PUNCT
fsr-3777	210	29	once	once	SCONJ
fsr-3777	210	30	the	the	DET
fsr-3777	210	31	bankruptcy	bankruptcy	NOUN
fsr-3777	210	32	option	option	NOUN
fsr-3777	210	33	had	have	AUX
fsr-3777	210	34	been	be	AUX
fsr-3777	210	35	selected	select	VERB
fsr-3777	210	36	(	(	PUNCT
fsr-3777	210	37	table	table	NOUN
fsr-3777	210	38	6	6	NUM
fsr-3777	210	39	)	)	PUNCT
fsr-3777	210	40	.	.	PUNCT
fsr-3777	211	1	the	the	DET
fsr-3777	211	2	results	result	NOUN
fsr-3777	211	3	suggest	suggest	VERB
fsr-3777	211	4	that	that	SCONJ
fsr-3777	211	5	aggressive	aggressive	ADJ
fsr-3777	211	6	cardholders	cardholder	NOUN
fsr-3777	211	7	-	-	PUNCT
fsr-3777	211	8	those	those	PRON
fsr-3777	211	9	who	who	PRON
fsr-3777	211	10	revolved	revolve	VERB
fsr-3777	211	11	large	large	ADJ
fsr-3777	211	12	balances	balance	NOUN
fsr-3777	211	13	for	for	ADP
fsr-3777	211	14	a	a	DET
fsr-3777	211	15	large	large	ADJ
fsr-3777	211	16	portion	portion	NOUN
fsr-3777	211	17	of	of	ADP
fsr-3777	211	18	the	the	DET
fsr-3777	211	19	year	year	NOUN
fsr-3777	211	20	-	-	PUNCT
fsr-3777	211	21	were	be	AUX
fsr-3777	211	22	significantly	significantly	ADV
fsr-3777	211	23	less	less	ADV
fsr-3777	211	24	likely	likely	ADJ
fsr-3777	211	25	to	to	PART
fsr-3777	211	26	choose	choose	VERB
fsr-3777	211	27	chapter	chapter	NOUN
fsr-3777	211	28	13	13	NUM
fsr-3777	211	29	than	than	ADP
fsr-3777	211	30	the	the	DET
fsr-3777	211	31	rest	rest	NOUN
fsr-3777	211	32	of	of	ADP
fsr-3777	211	33	the	the	DET
fsr-3777	211	34	sample	sample	NOUN
fsr-3777	211	35	,	,	PUNCT
fsr-3777	211	36	holding	hold	VERB
fsr-3777	211	37	all	all	DET
fsr-3777	211	38	else	else	ADV
fsr-3777	211	39	constant	constant	ADJ
fsr-3777	211	40	.	.	PUNCT
fsr-3777	212	1	in	in	ADP
fsr-3777	212	2	other	other	ADJ
fsr-3777	212	3	words	word	NOUN
fsr-3777	212	4	,	,	PUNCT
fsr-3777	212	5	the	the	DET
fsr-3777	212	6	more	more	ADV
fsr-3777	212	7	aggressive	aggressive	ADJ
fsr-3777	212	8	cardholders	cardholder	NOUN
fsr-3777	212	9	made	make	VERB
fsr-3777	212	10	choices	choice	NOUN
fsr-3777	212	11	in	in	ADP
fsr-3777	212	12	default	default	NOUN
fsr-3777	212	13	that	that	PRON
fsr-3777	212	14	maximized	maximize	VERB
fsr-3777	212	15	the	the	DET
fsr-3777	212	16	value	value	NOUN
fsr-3777	212	17	of	of	ADP
fsr-3777	212	18	their	their	PRON
fsr-3777	212	19	option	option	NOUN
fsr-3777	212	20	to	to	PART
fsr-3777	212	21	default	default	VERB
fsr-3777	212	22	.	.	PUNCT
fsr-3777	213	1	in	in	ADP
fsr-3777	213	2	a	a	DET
fsr-3777	213	3	separate	separate	ADJ
fsr-3777	213	4	analysis	analysis	NOUN
fsr-3777	213	5	,	,	PUNCT
fsr-3777	213	6	the	the	DET
fsr-3777	213	7	estimated	estimate	VERB
fsr-3777	213	8	measure	measure	NOUN
fsr-3777	213	9	of	of	ADP
fsr-3777	213	10	the	the	DET
fsr-3777	213	11	default	default	NOUN
fsr-3777	213	12	option	option	NOUN
fsr-3777	213	13	value	value	NOUN
fsr-3777	213	14	was	be	AUX
fsr-3777	213	15	significantly	significantly	ADV
fsr-3777	213	16	higher	high	ADJ
fsr-3777	213	17	for	for	ADP
fsr-3777	213	18	the	the	DET
fsr-3777	213	19	aggressive	aggressive	ADJ
fsr-3777	213	20	cardholders	cardholder	NOUN
fsr-3777	213	21	relative	relative	ADJ
fsr-3777	213	22	to	to	ADP
fsr-3777	213	23	the	the	DET
fsr-3777	213	24	rest	rest	NOUN
fsr-3777	213	25	of	of	ADP
fsr-3777	213	26	the	the	DET
fsr-3777	213	27	sample	sample	NOUN
fsr-3777	213	28	of	of	ADP
fsr-3777	213	29	defaulted	defaulted	ADJ
fsr-3777	213	30	accounts	account	NOUN
fsr-3777	213	31	.	.	PUNCT
fsr-3777	214	1	debtors	debtor	NOUN
fsr-3777	214	2	in	in	ADP
fsr-3777	214	3	states	state	NOUN
fsr-3777	214	4	that	that	PRON
fsr-3777	214	5	followed	follow	VERB
fsr-3777	214	6	the	the	DET
fsr-3777	214	7	federal	federal	ADJ
fsr-3777	214	8	guidelines	guideline	NOUN
fsr-3777	214	9	for	for	ADP
fsr-3777	214	10	garnishment	garnishment	NOUN
fsr-3777	214	11	and	and	CCONJ
fsr-3777	214	12	had	have	VERB
fsr-3777	214	13	low	low	ADJ
fsr-3777	214	14	exemption	exemption	NOUN
fsr-3777	214	15	allowances	allowance	NOUN
fsr-3777	214	16	(	(	PUNCT
fsr-3777	214	17	pro	pro	ADJ
fsr-3777	214	18	creditor	creditor	NOUN
fsr-3777	214	19	)	)	PUNCT
fsr-3777	214	20	were	be	AUX
fsr-3777	214	21	more	more	ADV
fsr-3777	214	22	likely	likely	ADJ
fsr-3777	214	23	to	to	PART
fsr-3777	214	24	choose	choose	VERB
fsr-3777	214	25	chapter	chapter	NOUN
fsr-3777	214	26	13	13	NUM
fsr-3777	214	27	than	than	ADP
fsr-3777	214	28	debtors	debtor	NOUN
fsr-3777	214	29	in	in	ADP
fsr-3777	214	30	the	the	DET
fsr-3777	214	31	mixed	mixed	ADJ
fsr-3777	214	32	message	message	NOUN
fsr-3777	214	33	states	state	NOUN
fsr-3777	214	34	,	,	PUNCT
fsr-3777	214	35	holding	hold	VERB
fsr-3777	214	36	the	the	DET
fsr-3777	214	37	use	use	NOUN
fsr-3777	214	38	variables	variable	NOUN
fsr-3777	214	39	constant	constant	ADJ
fsr-3777	214	40	.	.	PUNCT
fsr-3777	215	1	when	when	SCONJ
fsr-3777	215	2	the	the	DET
fsr-3777	215	3	legal	legal	ADJ
fsr-3777	215	4	conditions	condition	NOUN
fsr-3777	215	5	were	be	AUX
fsr-3777	215	6	separated	separate	VERB
fsr-3777	215	7	,	,	PUNCT
fsr-3777	215	8	holding	hold	VERB
fsr-3777	215	9	the	the	DET
fsr-3777	215	10	use	use	NOUN
fsr-3777	215	11	variables	variable	NOUN
fsr-3777	215	12	constant	constant	ADJ
fsr-3777	215	13	,	,	PUNCT
fsr-3777	215	14	the	the	DET
fsr-3777	215	15	garnishment	garnishment	NOUN
fsr-3777	215	16	variables	variable	NOUN
fsr-3777	215	17	were	be	AUX
fsr-3777	215	18	insignificant	insignificant	ADJ
fsr-3777	215	19	in	in	ADP
fsr-3777	215	20	the	the	DET
fsr-3777	215	21	choice	choice	NOUN
fsr-3777	215	22	between	between	ADP
fsr-3777	215	23	chapter	chapter	NOUN
fsr-3777	215	24	7	7	NUM
fsr-3777	215	25	and	and	CCONJ
fsr-3777	215	26	chapter	chapter	NOUN
fsr-3777	215	27	13	13	NUM
fsr-3777	215	28	.	.	PUNCT
fsr-3777	216	1	but	but	CCONJ
fsr-3777	216	2	,	,	PUNCT
fsr-3777	216	3	the	the	DET
fsr-3777	216	4	asset	asset	NOUN
fsr-3777	216	5	exemption	exemption	NOUN
fsr-3777	216	6	variable	variable	NOUN
fsr-3777	216	7	was	be	AUX
fsr-3777	216	8	a	a	DET
fsr-3777	216	9	significant	significant	ADJ
fsr-3777	216	10	influence	influence	NOUN
fsr-3777	216	11	in	in	ADP
fsr-3777	216	12	that	that	DET
fsr-3777	216	13	choice	choice	NOUN
fsr-3777	216	14	.	.	PUNCT
fsr-3777	217	1	debtors	debtor	NOUN
fsr-3777	217	2	in	in	ADP
fsr-3777	217	3	states	state	NOUN
fsr-3777	217	4	with	with	ADP
fsr-3777	217	5	low	low	ADJ
fsr-3777	217	6	exemption	exemption	NOUN
fsr-3777	217	7	allowances	allowance	NOUN
fsr-3777	217	8	were	be	AUX
fsr-3777	217	9	significantly	significantly	ADV
fsr-3777	217	10	more	more	ADV
fsr-3777	217	11	likely	likely	ADJ
fsr-3777	217	12	to	to	PART
fsr-3777	217	13	file	file	VERB
fsr-3777	217	14	under	under	ADP
fsr-3777	217	15	chapter	chapter	NOUN
fsr-3777	217	16	13	13	NUM
fsr-3777	217	17	.	.	PUNCT
fsr-3777	217	18	vi	vi	PROPN
fsr-3777	217	19	.	.	NOUN
fsr-3777	217	20	suiwimry	suiwimry	NOUN
fsr-3777	217	21	and	and	CCONJ
fsr-3777	217	22	implications	implication	VERB
fsr-3777	217	23	questions	question	NOUN
fsr-3777	217	24	of	of	ADP
fsr-3777	217	25	the	the	DET
fsr-3777	217	26	causal	causal	ADJ
fsr-3777	217	27	relationship	relationship	NOUN
fsr-3777	217	28	between	between	ADP
fsr-3777	217	29	credit	credit	NOUN
fsr-3777	217	30	card	card	NOUN
fsr-3777	217	31	use	use	NOUN
fsr-3777	217	32	and	and	CCONJ
fsr-3777	217	33	the	the	DET
fsr-3777	217	34	incidence	incidence	NOUN
fsr-3777	217	35	of	of	ADP
fsr-3777	217	36	bankruptcy	bankruptcy	NOUN
fsr-3777	217	37	have	have	AUX
fsr-3777	217	38	arisen	arise	VERB
fsr-3777	217	39	as	as	SCONJ
fsr-3777	217	40	the	the	DET
fsr-3777	217	41	two	two	NUM
fsr-3777	217	42	phenomenon	phenomenon	NOUN
fsr-3777	217	43	have	have	AUX
fsr-3777	217	44	grown	grow	VERB
fsr-3777	217	45	concurrently	concurrently	ADV
fsr-3777	217	46	during	during	ADP
fsr-3777	217	47	the	the	DET
fsr-3777	217	48	last	last	ADJ
fsr-3777	217	49	15	15	NUM
fsr-3777	217	50	years	year	NOUN
fsr-3777	217	51	.	.	PUNCT
fsr-3777	218	1	this	this	DET
fsr-3777	218	2	study	study	NOUN
fsr-3777	218	3	used	use	VERB
fsr-3777	218	4	account	account	NOUN
fsr-3777	218	5	data	datum	NOUN
fsr-3777	218	6	from	from	ADP
fsr-3777	218	7	a	a	DET
fsr-3777	218	8	national	national	ADJ
fsr-3777	218	9	credit	credit	NOUN
fsr-3777	218	10	card	card	NOUN
fsr-3777	218	11	portfolio	portfolio	NOUN
fsr-3777	218	12	to	to	PART
fsr-3777	218	13	demonstrate	demonstrate	VERB
fsr-3777	218	14	that	that	SCONJ
fsr-3777	218	15	among	among	ADP
fsr-3777	218	16	cardholders	cardholder	NOUN
fsr-3777	218	17	,	,	PUNCT
fsr-3777	218	18	estimates	estimate	NOUN
fsr-3777	218	19	of	of	ADP
fsr-3777	218	20	the	the	DET
fsr-3777	218	21	value	value	NOUN
fsr-3777	218	22	of	of	ADP
fsr-3777	218	23	the	the	DET
fsr-3777	218	24	option	option	NOUN
fsr-3777	218	25	to	to	PART
fsr-3777	218	26	default	default	VERB
fsr-3777	218	27	are	be	AUX
fsr-3777	218	28	significantly	significantly	ADV
fsr-3777	218	29	higher	high	ADJ
fsr-3777	218	30	for	for	ADP
fsr-3777	218	31	bankruptcy	bankruptcy	NOUN
fsr-3777	218	32	than	than	ADP
fsr-3777	218	33	outright	outright	ADJ
fsr-3777	218	34	default	default	NOUN
fsr-3777	218	35	.	.	PUNCT
fsr-3777	219	1	furthermore	furthermore	ADV
fsr-3777	219	2	,	,	PUNCT
fsr-3777	219	3	holding	hold	VERB
fsr-3777	219	4	legal	legal	ADJ
fsr-3777	219	5	conditions	condition	NOUN
fsr-3777	219	6	constant	constant	ADJ
fsr-3777	219	7	,	,	PUNCT
fsr-3777	219	8	card	card	NOUN
fsr-3777	219	9	holders	holder	NOUN
fsr-3777	219	10	who	who	PRON
fsr-3777	219	11	use	use	VERB
fsr-3777	219	12	their	their	PRON
fsr-3777	219	13	credit	credit	NOUN
fsr-3777	219	14	cards	card	NOUN
fsr-3777	219	15	aggressively	aggressively	ADV
fsr-3777	219	16	for	for	ADP
fsr-3777	219	17	credit	credit	NOUN
fsr-3777	219	18	are	be	AUX
fsr-3777	219	19	significantly	significantly	ADV
fsr-3777	219	20	different	different	ADJ
fsr-3777	219	21	from	from	ADP
fsr-3777	219	22	other	other	ADJ
fsr-3777	219	23	cardholders	cardholder	NOUN
fsr-3777	219	24	in	in	ADP
fsr-3777	219	25	terms	term	NOUN
fsr-3777	219	26	of	of	ADP
fsr-3777	219	27	the	the	DET
fsr-3777	219	28	choices	choice	NOUN
fsr-3777	219	29	they	they	PRON
fsr-3777	219	30	make	make	VERB
fsr-3777	219	31	in	in	ADP
fsr-3777	219	32	default	default	NOUN
fsr-3777	219	33	.	.	PUNCT
fsr-3777	220	1	aggressive	aggressive	ADJ
fsr-3777	220	2	credit	credit	NOUN
fsr-3777	220	3	-	-	PUNCT
fsr-3777	220	4	card	card	NOUN
fsr-3777	220	5	users	user	NOUN
fsr-3777	220	6	realize	realize	VERB
fsr-3777	220	7	a	a	DET
fsr-3777	220	8	higher	high	ADJ
fsr-3777	220	9	value	value	NOUN
fsr-3777	220	10	on	on	ADP
fsr-3777	220	11	average	average	ADJ
fsr-3777	220	12	when	when	SCONJ
fsr-3777	220	13	they	they	PRON
fsr-3777	220	14	exercise	exercise	VERB
fsr-3777	220	15	their	their	PRON
fsr-3777	220	16	option	option	NOUN
fsr-3777	220	17	to	to	PART
fsr-3777	220	18	default	default	VERB
fsr-3777	220	19	than	than	SCONJ
fsr-3777	220	20	do	do	VERB
fsr-3777	220	21	other	other	ADJ
fsr-3777	220	22	cardholders	cardholder	NOUN
fsr-3777	220	23	because	because	SCONJ
fsr-3777	220	24	they	they	PRON
fsr-3777	220	25	are	be	AUX
fsr-3777	220	26	significantly	significantly	ADV
fsr-3777	220	27	more	more	ADV
fsr-3777	220	28	likely	likely	ADJ
fsr-3777	220	29	to	to	PART
fsr-3777	220	30	file	file	VERB
fsr-3777	220	31	bankruptcy	bankruptcy	NOUN
fsr-3777	220	32	and	and	CCONJ
fsr-3777	220	33	to	to	PART
fsr-3777	220	34	file	file	VERB
fsr-3777	220	35	under	under	ADP
fsr-3777	220	36	chapter	chapter	NOUN
fsr-3777	220	37	7	7	NUM
fsr-3777	220	38	.	.	PUNCT
fsr-3777	220	39	holding	hold	VERB
fsr-3777	220	40	card	card	NOUN
fsr-3777	220	41	-	-	PUNCT
fsr-3777	220	42	use	use	NOUN
fsr-3777	220	43	characteristics	characteristic	NOUN
fsr-3777	220	44	constant	constant	ADJ
fsr-3777	220	45	,	,	PUNCT
fsr-3777	220	46	there	there	PRON
fsr-3777	220	47	is	be	VERB
fsr-3777	220	48	a	a	DET
fsr-3777	220	49	significant	significant	ADJ
fsr-3777	220	50	relationship	relationship	NOUN
fsr-3777	220	51	between	between	ADP
fsr-3777	220	52	garnishment	garnishment	NOUN
fsr-3777	220	53	restrictions	restriction	NOUN
fsr-3777	220	54	and	and	CCONJ
fsr-3777	220	55	debtors	debtor	NOUN
fsr-3777	220	56	’	’	PART
fsr-3777	220	57	choices	choice	NOUN
fsr-3777	220	58	to	to	PART
fsr-3777	220	59	default	default	VERB
fsr-3777	220	60	outright	outright	ADV
fsr-3777	220	61	or	or	CCONJ
fsr-3777	220	62	file	file	NOUN
fsr-3777	220	63	bankruptcy	bankruptcy	NOUN
fsr-3777	220	64	.	.	PUNCT
fsr-3777	221	1	however	however	ADV
fsr-3777	221	2	,	,	PUNCT
fsr-3777	221	3	variation	variation	NOUN
fsr-3777	221	4	in	in	ADP
fsr-3777	221	5	the	the	DET
fsr-3777	221	6	level	level	NOUN
fsr-3777	221	7	of	of	ADP
fsr-3777	221	8	asset	asset	NOUN
fsr-3777	221	9	exemption	exemption	NOUN
fsr-3777	221	10	allowances	allowance	NOUN
fsr-3777	221	11	is	be	AUX
fsr-3777	221	12	not	not	PART
fsr-3777	221	13	a	a	DET
fsr-3777	221	14	significant	significant	ADJ
fsr-3777	221	15	influence	influence	NOUN
fsr-3777	221	16	in	in	ADP
fsr-3777	221	17	that	that	DET
fsr-3777	221	18	decision	decision	NOUN
fsr-3777	221	19	.	.	PUNCT
fsr-3777	222	1	once	once	SCONJ
fsr-3777	222	2	the	the	DET
fsr-3777	222	3	decision	decision	NOUN
fsr-3777	222	4	to	to	PART
fsr-3777	222	5	file	file	VERB
fsr-3777	222	6	bankruptcy	bankruptcy	NOUN
fsr-3777	222	7	is	be	AUX
fsr-3777	222	8	made	make	VERB
fsr-3777	222	9	,	,	PUNCT
fsr-3777	222	10	holding	hold	VERB
fsr-3777	222	11	card	card	NOUN
fsr-3777	222	12	use	use	NOUN
fsr-3777	222	13	characteristics	characteristic	NOUN
fsr-3777	222	14	credit	credit	NOUN
fsr-3777	222	15	cards	card	NOUN
fsr-3777	222	16	and	and	CCONJ
fsr-3777	222	17	the	the	DET
fsr-3777	222	18	option	option	NOUN
fsr-3777	222	19	to	to	PART
fsr-3777	222	20	default	default	VERB
fsr-3777	222	21	135	135	NUM
fsr-3777	222	22	constant	constant	ADJ
fsr-3777	222	23	,	,	PUNCT
fsr-3777	222	24	the	the	DET
fsr-3777	222	25	level	level	NOUN
fsr-3777	222	26	of	of	ADP
fsr-3777	222	27	asset	asset	NOUN
fsr-3777	222	28	exemption	exemption	NOUN
fsr-3777	222	29	allowances	allowance	NOUN
fsr-3777	222	30	has	have	VERB
fsr-3777	222	31	a	a	DET
fsr-3777	222	32	significant	significant	ADJ
fsr-3777	222	33	influence	influence	NOUN
fsr-3777	222	34	on	on	ADP
fsr-3777	222	35	the	the	DET
fsr-3777	222	36	debtor	debtor	NOUN
fsr-3777	222	37	’s	’s	PART
fsr-3777	222	38	choice	choice	NOUN
fsr-3777	222	39	between	between	ADP
fsr-3777	222	40	chapter	chapter	NOUN
fsr-3777	222	41	7	7	NUM
fsr-3777	222	42	and	and	CCONJ
fsr-3777	222	43	chapter	chapter	NOUN
fsr-3777	222	44	13	13	NUM
fsr-3777	222	45	.	.	PUNCT
fsr-3777	223	1	an	an	DET
fsr-3777	223	2	intriguing	intriguing	ADJ
fsr-3777	223	3	result	result	NOUN
fsr-3777	223	4	of	of	ADP
fsr-3777	223	5	this	this	DET
fsr-3777	223	6	analysis	analysis	NOUN
fsr-3777	223	7	is	be	AUX
fsr-3777	223	8	that	that	SCONJ
fsr-3777	223	9	cardholders	cardholder	NOUN
fsr-3777	223	10	who	who	PRON
fsr-3777	223	11	use	use	VERB
fsr-3777	223	12	cards	card	NOUN
fsr-3777	223	13	aggressively	aggressively	ADV
fsr-3777	223	14	tend	tend	VERB
fsr-3777	223	15	to	to	PART
fsr-3777	223	16	make	make	VERB
fsr-3777	223	17	choices	choice	NOUN
fsr-3777	223	18	in	in	ADP
fsr-3777	223	19	default	default	NOUN
fsr-3777	223	20	that	that	PRON
fsr-3777	223	21	maximize	maximize	VERB
fsr-3777	223	22	the	the	DET
fsr-3777	223	23	value	value	NOUN
fsr-3777	223	24	of	of	ADP
fsr-3777	223	25	their	their	PRON
fsr-3777	223	26	option	option	NOUN
fsr-3777	223	27	to	to	PART
fsr-3777	223	28	default	default	VERB
fsr-3777	223	29	.	.	PUNCT
fsr-3777	224	1	pozdena	pozdena	PROPN
fsr-3777	224	2	argued	argue	VERB
fsr-3777	224	3	that	that	SCONJ
fsr-3777	224	4	some	some	DET
fsr-3777	224	5	households	household	NOUN
fsr-3777	224	6	may	may	AUX
fsr-3777	224	7	“	"	PUNCT
fsr-3777	224	8	self	self	NOUN
fsr-3777	224	9	-	-	PUNCT
fsr-3777	224	10	select	select	ADJ
fsr-3777	224	11	,	,	PUNCT
fsr-3777	224	12	”	"	PUNCT
fsr-3777	224	13	intensely	intensely	ADV
fsr-3777	224	14	using	use	VERB
fsr-3777	224	15	the	the	DET
fsr-3777	224	16	credit	credit	NOUN
fsr-3777	224	17	feature	feature	NOUN
fsr-3777	224	18	of	of	ADP
fsr-3777	224	19	their	their	PRON
fsr-3777	224	20	cards	card	NOUN
fsr-3777	224	21	and	and	CCONJ
fsr-3777	224	22	paying	pay	VERB
fsr-3777	224	23	large	large	ADJ
fsr-3777	224	24	interest	interest	NOUN
fsr-3777	224	25	charges	charge	NOUN
fsr-3777	224	26	with	with	ADP
fsr-3777	224	27	the	the	DET
fsr-3777	224	28	understanding	understanding	NOUN
fsr-3777	224	29	that	that	SCONJ
fsr-3777	224	30	the	the	DET
fsr-3777	224	31	value	value	NOUN
fsr-3777	224	32	of	of	ADP
fsr-3777	224	33	their	their	PRON
fsr-3777	224	34	option	option	NOUN
fsr-3777	224	35	to	to	PART
fsr-3777	224	36	default	default	NOUN
fsr-3777	224	37	reduces	reduce	VERB
fsr-3777	224	38	the	the	DET
fsr-3777	224	39	expected	expect	VERB
fsr-3777	224	40	cost	cost	NOUN
fsr-3777	224	41	of	of	ADP
fsr-3777	224	42	their	their	PRON
fsr-3777	224	43	credit	credit	NOUN
fsr-3777	224	44	use	use	NOUN
fsr-3777	224	45	.	.	PUNCT
fsr-3777	225	1	this	this	DET
fsr-3777	225	2	moral	moral	ADJ
fsr-3777	225	3	hazard	hazard	NOUN
fsr-3777	225	4	aspect	aspect	NOUN
fsr-3777	225	5	of	of	ADP
fsr-3777	225	6	credit	credit	NOUN
fsr-3777	225	7	cards	card	NOUN
fsr-3777	225	8	may	may	AUX
fsr-3777	225	9	provide	provide	VERB
fsr-3777	225	10	another	another	DET
fsr-3777	225	11	clue	clue	NOUN
fsr-3777	225	12	to	to	ADP
fsr-3777	225	13	the	the	DET
fsr-3777	225	14	puzzle	puzzle	NOUN
fsr-3777	225	15	related	relate	VERB
fsr-3777	225	16	to	to	ADP
fsr-3777	225	17	the	the	DET
fsr-3777	225	18	high	high	ADJ
fsr-3777	225	19	average	average	ADJ
fsr-3777	225	20	level	level	NOUN
fsr-3777	225	21	of	of	ADP
fsr-3777	225	22	interest	interest	NOUN
fsr-3777	225	23	rates	rate	NOUN
fsr-3777	225	24	for	for	ADP
fsr-3777	225	25	credit	credit	NOUN
fsr-3777	225	26	cards	card	NOUN
fsr-3777	225	27	and	and	CCONJ
fsr-3777	225	28	consumers	consumer	NOUN
fsr-3777	225	29	’	'	PUNCT
fsr-3777	225	30	lack	lack	NOUN
fsr-3777	225	31	of	of	ADP
fsr-3777	225	32	sensitivity	sensitivity	NOUN
fsr-3777	225	33	to	to	ADP
fsr-3777	225	34	those	those	DET
fsr-3777	225	35	rates	rate	NOUN
fsr-3777	225	36	.	.	PUNCT
fsr-3777	226	1	the	the	DET
fsr-3777	226	2	results	result	NOUN
fsr-3777	226	3	of	of	ADP
fsr-3777	226	4	this	this	DET
fsr-3777	226	5	analysis	analysis	NOUN
fsr-3777	226	6	suggest	suggest	VERB
fsr-3777	226	7	that	that	SCONJ
fsr-3777	226	8	the	the	DET
fsr-3777	226	9	consumers	consumer	NOUN
fsr-3777	226	10	who	who	PRON
fsr-3777	226	11	are	be	AUX
fsr-3777	226	12	most	most	ADV
fsr-3777	226	13	likely	likely	ADJ
fsr-3777	226	14	to	to	PART
fsr-3777	226	15	be	be	AUX
fsr-3777	226	16	paying	pay	VERB
fsr-3777	226	17	the	the	DET
fsr-3777	226	18	high	high	ADJ
fsr-3777	226	19	interest	interest	NOUN
fsr-3777	226	20	rates	rate	NOUN
fsr-3777	226	21	on	on	ADP
fsr-3777	226	22	credit	credit	NOUN
fsr-3777	226	23	cards	card	NOUN
fsr-3777	226	24	may	may	AUX
fsr-3777	226	25	discount	discount	VERB
fsr-3777	226	26	the	the	DET
fsr-3777	226	27	importance	importance	NOUN
fsr-3777	226	28	of	of	ADP
fsr-3777	226	29	that	that	DET
fsr-3777	226	30	rate	rate	NOUN
fsr-3777	226	31	and	and	CCONJ
fsr-3777	226	32	focus	focus	VERB
fsr-3777	226	33	instead	instead	ADV
fsr-3777	226	34	on	on	ADP
fsr-3777	226	35	maximizing	maximize	VERB
fsr-3777	226	36	the	the	DET
fsr-3777	226	37	value	value	NOUN
fsr-3777	226	38	of	of	ADP
fsr-3777	226	39	their	their	PRON
fsr-3777	226	40	option	option	NOUN
fsr-3777	226	41	to	to	PART
fsr-3777	226	42	default	default	VERB
fsr-3777	226	43	.	.	PUNCT
fsr-3777	227	1	notes	note	NOUN
fsr-3777	227	2	1	1	NUM
fsr-3777	227	3	.	.	PUNCT
fsr-3777	228	1	luckett	luckett	PROPN
fsr-3777	228	2	(	(	PUNCT
fsr-3777	228	3	1988	1988	NUM
fsr-3777	228	4	)	)	PUNCT
fsr-3777	228	5	provides	provide	VERB
fsr-3777	228	6	a	a	DET
fsr-3777	228	7	detailed	detailed	ADJ
fsr-3777	228	8	discussion	discussion	NOUN
fsr-3777	228	9	of	of	ADP
fsr-3777	228	10	the	the	DET
fsr-3777	228	11	bankruptcy	bankruptcy	NOUN
fsr-3777	228	12	code	code	NOUN
fsr-3777	228	13	.	.	PUNCT
fsr-3777	229	1	2	2	X
fsr-3777	229	2	.	.	X
fsr-3777	229	3	the	the	DET
fsr-3777	229	4	federal	federal	ADJ
fsr-3777	229	5	standard	standard	NOUN
fsr-3777	229	6	for	for	ADP
fsr-3777	229	7	weekly	weekly	ADJ
fsr-3777	229	8	wages	wage	NOUN
fsr-3777	229	9	exempt	exempt	ADJ
fsr-3777	229	10	from	from	ADP
fsr-3777	229	11	garnishment	garnishment	NOUN
fsr-3777	229	12	(	(	PUNCT
fsr-3777	229	13	established	establish	VERB
fsr-3777	229	14	in	in	ADP
fsr-3777	229	15	1970	1970	NUM
fsr-3777	229	16	)	)	PUNCT
fsr-3777	229	17	is	be	AUX
fsr-3777	229	18	the	the	DET
fsr-3777	229	19	greater	great	ADJ
fsr-3777	229	20	of	of	ADP
fsr-3777	229	21	75	75	NUM
fsr-3777	229	22	%	%	NOUN
fsr-3777	229	23	of	of	ADP
fsr-3777	229	24	the	the	DET
fsr-3777	229	25	disposable	disposable	ADJ
fsr-3777	229	26	earnings	earning	NOUN
fsr-3777	229	27	of	of	ADP
fsr-3777	229	28	the	the	DET
fsr-3777	229	29	debtor	debtor	NOUN
fsr-3777	229	30	or	or	CCONJ
fsr-3777	229	31	30	30	NUM
fsr-3777	229	32	times	time	NOUN
fsr-3777	229	33	the	the	DET
fsr-3777	229	34	minimum	minimum	ADJ
fsr-3777	229	35	hourly	hourly	ADJ
fsr-3777	229	36	wage	wage	NOUN
fsr-3777	229	37	in	in	ADP
fsr-3777	229	38	effect	effect	NOUN
fsr-3777	229	39	.	.	PUNCT
fsr-3777	230	1	in	in	ADP
fsr-3777	230	2	the	the	DET
fsr-3777	230	3	late	late	ADJ
fsr-3777	230	4	1980s	1980	NOUN
fsr-3777	230	5	those	those	DET
fsr-3777	230	6	states	state	NOUN
fsr-3777	230	7	with	with	ADP
fsr-3777	230	8	more	more	ADV
fsr-3777	230	9	restrictive	restrictive	ADJ
fsr-3777	230	10	limits	limit	NOUN
fsr-3777	230	11	on	on	ADP
fsr-3777	230	12	the	the	DET
fsr-3777	230	13	garnishment	garnishment	NOUN
fsr-3777	230	14	of	of	ADP
fsr-3777	230	15	wages	wage	NOUN
fsr-3777	230	16	included	include	VERB
fsr-3777	230	17	:	:	PUNCT
fsr-3777	230	18	ak	ak	PROPN
fsr-3777	230	19	,	,	PUNCT
fsr-3777	230	20	al	al	PROPN
fsr-3777	230	21	,	,	PUNCT
fsr-3777	230	22	ct	ct	PROPN
fsr-3777	230	23	,	,	PUNCT
fsr-3777	230	24	de	de	X
fsr-3777	230	25	,	,	PUNCT
fsr-3777	230	26	hi	hi	INTJ
fsr-3777	230	27	,	,	PUNCT
fsr-3777	230	28	ia	ia	PROPN
fsr-3777	230	29	,	,	PUNCT
fsr-3777	230	30	i	i	PROPN
fsr-3777	230	31	d	d	PROPN
fsr-3777	230	32	,	,	PUNCT
fsr-3777	230	33	il	il	PROPN
fsr-3777	230	34	,	,	PUNCT
fsr-3777	230	35	ks	ks	PROPN
fsr-3777	230	36	,	,	PUNCT
fsr-3777	230	37	la	la	PROPN
fsr-3777	230	38	,	,	PUNCT
fsr-3777	230	39	ma	ma	PROPN
fsr-3777	230	40	,	,	PUNCT
fsr-3777	230	41	md	md	PROPN
fsr-3777	230	42	,	,	PUNCT
fsr-3777	230	43	me	i	PRON
fsr-3777	230	44	,	,	PUNCT
fsr-3777	230	45	mn	mn	PROPN
fsr-3777	230	46	,	,	PUNCT
fsr-3777	230	47	mo	mo	PROPN
fsr-3777	230	48	,	,	PUNCT
fsr-3777	230	49	ne	ne	PROPN
fsr-3777	230	50	,	,	PUNCT
fsr-3777	230	51	nh	nh	PROPN
fsr-3777	230	52	,	,	PUNCT
fsr-3777	230	53	nj	nj	PROPN
fsr-3777	230	54	,	,	PUNCT
fsr-3777	230	55	nm	nm	PROPN
fsr-3777	230	56	,	,	PUNCT
fsr-3777	230	57	ny	ny	PROPN
fsr-3777	230	58	,	,	PUNCT
fsr-3777	230	59	or	or	CCONJ
fsr-3777	230	60	,	,	PUNCT
fsr-3777	230	61	ri	ri	PROPN
fsr-3777	230	62	,	,	PUNCT
fsr-3777	230	63	vt	vt	PROPN
fsr-3777	230	64	,	,	PUNCT
fsr-3777	230	65	wv	wv	PROPN
fsr-3777	230	66	,	,	PUNCT
fsr-3777	230	67	and	and	CCONJ
fsr-3777	230	68	wi	wi	PROPN
fsr-3777	230	69	.	.	PUNCT
fsr-3777	231	1	wage	wage	NOUN
fsr-3777	231	2	garnishment	garnishment	NOUN
fsr-3777	231	3	was	be	AUX
fsr-3777	231	4	prohibited	prohibit	VERB
fsr-3777	231	5	for	for	ADP
fsr-3777	231	6	the	the	DET
fsr-3777	231	7	repayment	repayment	NOUN
fsr-3777	231	8	of	of	ADP
fsr-3777	231	9	consumer	consumer	NOUN
fsr-3777	231	10	credit	credit	NOUN
fsr-3777	231	11	or	or	CCONJ
fsr-3777	231	12	if	if	SCONJ
fsr-3777	231	13	the	the	DET
fsr-3777	231	14	earnings	earning	NOUN
fsr-3777	231	15	were	be	AUX
fsr-3777	231	16	necessary	necessary	ADJ
fsr-3777	231	17	for	for	ADP
fsr-3777	231	18	family	family	NOUN
fsr-3777	231	19	support	support	NOUN
fsr-3777	231	20	in	in	ADP
fsr-3777	231	21	fl	fl	PROPN
fsr-3777	231	22	,	,	PUNCT
fsr-3777	231	23	nc	nc	PROPN
fsr-3777	231	24	,	,	PUNCT
fsr-3777	231	25	nd	nd	PRON
fsr-3777	231	26	,	,	PUNCT
fsr-3777	231	27	pa	pa	PROPN
fsr-3777	231	28	,	,	PUNCT
fsr-3777	231	29	sc	sc	PROPN
fsr-3777	231	30	,	,	PUNCT
fsr-3777	231	31	sd	sd	NOUN
fsr-3777	231	32	,	,	PUNCT
fsr-3777	231	33	and	and	CCONJ
fsr-3777	231	34	tx	tx	PROPN
fsr-3777	231	35	.	.	PROPN
fsr-3777	232	1	3	3	X
fsr-3777	232	2	.	.	X
fsr-3777	232	3	by	by	ADP
fsr-3777	232	4	the	the	DET
fsr-3777	232	5	late	late	ADJ
fsr-3777	232	6	1980s	1980	NOUN
fsr-3777	232	7	those	those	DET
fsr-3777	232	8	states	state	NOUN
fsr-3777	232	9	that	that	PRON
fsr-3777	232	10	chose	choose	VERB
fsr-3777	232	11	to	to	PART
fsr-3777	232	12	“	"	PUNCT
fsr-3777	232	13	opt	opt	VERB
fsr-3777	232	14	out	out	ADP
fsr-3777	232	15	”	"	PUNCT
fsr-3777	232	16	of	of	ADP
fsr-3777	232	17	the	the	DET
fsr-3777	232	18	federal	federal	ADJ
fsr-3777	232	19	exemption	exemption	NOUN
fsr-3777	232	20	allowance	allowance	NOUN
fsr-3777	232	21	and	and	CCONJ
fsr-3777	232	22	establish	establish	VERB
fsr-3777	232	23	a	a	DET
fsr-3777	232	24	lower	low	ADJ
fsr-3777	232	25	level	level	NOUN
fsr-3777	232	26	of	of	ADP
fsr-3777	232	27	exempt	exempt	ADJ
fsr-3777	232	28	assets	asset	NOUN
fsr-3777	232	29	included	include	VERB
fsr-3777	232	30	al	al	PROPN
fsr-3777	232	31	,	,	PUNCT
fsr-3777	232	32	ar	ar	PROPN
fsr-3777	232	33	,	,	PUNCT
fsr-3777	232	34	de	de	PROPN
fsr-3777	232	35	,	,	PUNCT
fsr-3777	232	36	ga	ga	PROPN
fsr-3777	232	37	,	,	PUNCT
fsr-3777	232	38	ky	ky	PROPN
fsr-3777	232	39	,	,	PUNCT
fsr-3777	232	40	md	md	PROPN
fsr-3777	232	41	,	,	PUNCT
fsr-3777	232	42	ne	ne	PROPN
fsr-3777	232	43	,	,	PUNCT
fsr-3777	232	44	nh	nh	PROPN
fsr-3777	232	45	,	,	PUNCT
fsr-3777	232	46	oh	oh	INTJ
fsr-3777	232	47	,	,	PUNCT
fsr-3777	232	48	ok	ok	INTJ
fsr-3777	232	49	,	,	PUNCT
fsr-3777	232	50	sc	sc	PROPN
fsr-3777	232	51	,	,	PUNCT
fsr-3777	232	52	tn	tn	PROPN
fsr-3777	232	53	,	,	PUNCT
fsr-3777	232	54	and	and	CCONJ
fsr-3777	232	55	va	va	NOUN
fsr-3777	232	56	.	.	PROPN
fsr-3777	232	57	4	4	NUM
fsr-3777	232	58	.	.	PUNCT
fsr-3777	233	1	the	the	DET
fsr-3777	233	2	data	datum	NOUN
fsr-3777	233	3	set	set	VERB
fsr-3777	233	4	included	include	VERB
fsr-3777	233	5	the	the	DET
fsr-3777	233	6	age	age	NOUN
fsr-3777	233	7	of	of	ADP
fsr-3777	233	8	the	the	DET
fsr-3777	233	9	principal	principal	ADJ
fsr-3777	233	10	cardholder	cardholder	NOUN
fsr-3777	233	11	for	for	ADP
fsr-3777	233	12	only	only	ADV
fsr-3777	233	13	about	about	ADV
fsr-3777	233	14	50	50	NUM
fsr-3777	233	15	%	%	NOUN
fsr-3777	233	16	of	of	ADP
fsr-3777	233	17	the	the	DET
fsr-3777	233	18	accounts	account	NOUN
fsr-3777	233	19	,	,	PUNCT
fsr-3777	233	20	so	so	SCONJ
fsr-3777	233	21	this	this	DET
fsr-3777	233	22	cardholder	cardholder	NOUN
fsr-3777	233	23	characteristic	characteristic	NOUN
fsr-3777	233	24	could	could	AUX
fsr-3777	233	25	not	not	PART
fsr-3777	233	26	be	be	AUX
fsr-3777	233	27	included	include	VERB
fsr-3777	233	28	in	in	ADP
fsr-3777	233	29	the	the	DET
fsr-3777	233	30	final	final	ADJ
fsr-3777	233	31	analysis	analysis	NOUN
fsr-3777	233	32	.	.	PUNCT
fsr-3777	234	1	references	reference	NOUN
fsr-3777	234	2	apilado	apilado	PROPN
fsr-3777	234	3	,	,	PUNCT
fsr-3777	234	4	v.p	v.p	PROPN
fsr-3777	234	5	.	.	PROPN
fsr-3777	234	6	,	,	PUNCT
fsr-3777	234	7	dauten	dauten	PROPN
fsr-3777	234	8	,	,	PUNCT
fsr-3777	234	9	j.j	j.j	PROPN
fsr-3777	234	10	.	.	PROPN
fsr-3777	234	11	,	,	PUNCT
fsr-3777	234	12	&	&	CCONJ
fsr-3777	234	13	smith	smith	PROPN
fsr-3777	234	14	,	,	PUNCT
fsr-3777	234	15	d.e	d.e	PROPN
fsr-3777	234	16	.	.	PROPN
fsr-3777	234	17	(	(	PUNCT
fsr-3777	234	18	1978	1978	NUM
fsr-3777	234	19	)	)	PUNCT
fsr-3777	234	20	.	.	PUNCT
fsr-3777	235	1	personal	personal	ADJ
fsr-3777	235	2	bankruptcies	bankruptcy	NOUN
fsr-3777	235	3	.	.	PUNCT
fsr-3777	236	1	journal	journal	NOUN
fsr-3777	236	2	of	of	ADP
fsr-3777	236	3	legal	legal	ADJ
fsr-3777	236	4	studies	study	NOUN
fsr-3777	236	5	,	,	PUNCT
fsr-3777	236	6	7(june	7(june	NUM
fsr-3777	236	7	)	)	PUNCT
fsr-3777	236	8	,	,	PUNCT
fsr-3777	236	9	371	371	NUM
fsr-3777	236	10	-	-	SYM
fsr-3777	236	11	392	392	NUM
fsr-3777	236	12	.	.	PUNCT
fsr-3777	237	1	ausebel	ausebel	PROPN
fsr-3777	237	2	,	,	PUNCT
fsr-3777	237	3	l.m	l.m	PROPN
fsr-3777	237	4	.	.	PROPN
fsr-3777	237	5	(	(	PUNCT
fsr-3777	237	6	199	199	NUM
fsr-3777	237	7	1	1	NUM
fsr-3777	237	8	)	)	PUNCT
fsr-3777	237	9	the	the	DET
fsr-3777	237	10	failure	failure	NOUN
fsr-3777	237	11	of	of	ADP
fsr-3777	237	12	competition	competition	NOUN
fsr-3777	237	13	in	in	ADP
fsr-3777	237	14	the	the	DET
fsr-3777	237	15	credit	credit	NOUN
fsr-3777	237	16	card	card	NOUN
fsr-3777	237	17	market	market	NOUN
fsr-3777	237	18	.	.	PUNCT
fsr-3777	238	1	american	american	PROPN
fsr-3777	238	2	economic	economic	PROPN
fsr-3777	238	3	review	review	PROPN
fsr-3777	238	4	,	,	PUNCT
fsr-3777	238	5	31	31	NUM
fsr-3777	238	6	(	(	PUNCT
fsr-3777	238	7	1	1	NUM
fsr-3777	238	8	,	,	PUNCT
fsr-3777	238	9	march	march	PROPN
fsr-3777	238	10	)	)	PUNCT
fsr-3777	238	11	,	,	PUNCT
fsr-3777	238	12	50	50	NUM
fsr-3777	238	13	-	-	SYM
fsr-3777	238	14	8	8	NUM
fsr-3777	238	15	1	1	NUM
fsr-3777	238	16	.	.	PUNCT
fsr-3777	238	17	canner	canner	NOUN
fsr-3777	238	18	,	,	PUNCT
fsr-3777	238	19	g.b	g.b	PROPN
fsr-3777	238	20	.	.	PROPN
fsr-3777	238	21	,	,	PUNCT
fsr-3777	238	22	8z	8z	PROPN
fsr-3777	238	23	luckett	luckett	PROPN
fsr-3777	238	24	,	,	PUNCT
fsr-3777	238	25	ca	ca	PROPN
fsr-3777	238	26	.	.	PUNCT
fsr-3777	239	1	(	(	PUNCT
fsr-3777	239	2	1992	1992	NUM
fsr-3777	239	3	)	)	PUNCT
fsr-3777	239	4	.	.	PUNCT
fsr-3777	240	1	developments	development	NOUN
fsr-3777	240	2	in	in	ADP
fsr-3777	240	3	the	the	DET
fsr-3777	240	4	pricing	pricing	NOUN
fsr-3777	240	5	of	of	ADP
fsr-3777	240	6	credit	credit	NOUN
fsr-3777	240	7	card	card	NOUN
fsr-3777	240	8	services	service	NOUN
fsr-3777	240	9	.	.	PUNCT
fsr-3777	241	1	federal	federal	PROPN
fsr-3777	241	2	reserve	reserve	PROPN
fsr-3777	241	3	bulletin	bulletin	PROPN
fsr-3777	241	4	,	,	PUNCT
fsr-3777	241	5	78(9	78(9	NOUN
fsr-3777	241	6	)	)	PUNCT
fsr-3777	241	7	,	,	PUNCT
fsr-3777	241	8	652	652	NUM
fsr-3777	241	9	-	-	SYM
fsr-3777	241	10	666	666	NUM
fsr-3777	241	11	.	.	PUNCT
fsr-3777	241	12	canner	canner	NOUN
fsr-3777	241	13	,	,	PUNCT
fsr-3777	241	14	g.b	g.b	PROPN
fsr-3777	241	15	.	.	PROPN
fsr-3777	241	16	,	,	PUNCT
fsr-3777	241	17	&	&	CCONJ
fsr-3777	241	18	luckett	luckett	PROPN
fsr-3777	241	19	,	,	PUNCT
fsr-3777	241	20	c.a	c.a	PROPN
fsr-3777	241	21	.	.	PROPN
fsr-3777	241	22	(	(	PUNCT
fsr-3777	241	23	1991	1991	NUM
fsr-3777	241	24	)	)	PUNCT
fsr-3777	241	25	.	.	PUNCT
fsr-3777	242	1	payment	payment	NOUN
fsr-3777	242	2	of	of	ADP
fsr-3777	242	3	household	household	NOUN
fsr-3777	242	4	debts	debt	NOUN
fsr-3777	242	5	.	.	PUNCT
fsr-3777	243	1	federal	federal	PROPN
fsr-3777	243	2	reserve	reserve	PROPN
fsr-3777	243	3	bulletin	bulletin	PROPN
fsr-3777	243	4	,	,	PUNCT
fsr-3777	243	5	77(4	77(4	NUM
fsr-3777	243	6	)	)	PUNCT
fsr-3777	243	7	,	,	PUNCT
fsr-3777	243	8	2	2	NUM
fsr-3777	243	9	18	18	NUM
fsr-3777	243	10	-	-	SYM
fsr-3777	243	11	229	229	NUM
fsr-3777	243	12	.	.	PUNCT
fsr-3777	244	1	credit	credit	NOUN
fsr-3777	244	2	research	research	NOUN
fsr-3777	244	3	center	center	NOUN
fsr-3777	244	4	.	.	PUNCT
fsr-3777	245	1	(	(	PUNCT
fsr-3777	245	2	1982	1982	NUM
fsr-3777	245	3	)	)	PUNCT
fsr-3777	245	4	.	.	PUNCT
fsr-3777	246	1	consumers	consumer	NOUN
fsr-3777	246	2	’	'	PUNCT
fsr-3777	246	3	righr	righr	PROPN
fsr-3777	246	4	ro	ro	PROPN
fsr-3777	246	5	bankruptcy	bankruptcy	PROPN
fsr-3777	246	6	:	:	PUNCT
fsr-3777	246	7	origins	origin	NOUN
fsr-3777	246	8	and	and	CCONJ
fsr-3777	246	9	e&cts	e&ct	NOUN
fsr-3777	246	10	.	.	PUNCT
fsr-3777	247	1	west	west	PROPN
fsr-3777	247	2	lafayette	lafayette	PROPN
fsr-3777	247	3	,	,	PUNCT
fsr-3777	247	4	in	in	ADP
fsr-3777	247	5	:	:	PUNCT
fsr-3777	247	6	credit	credit	NOUN
fsr-3777	247	7	research	research	NOUN
fsr-3777	247	8	center	center	NOUN
fsr-3777	247	9	,	,	PUNCT
fsr-3777	247	10	purdue	purdue	ADJ
fsr-3777	247	11	university	university	NOUN
fsr-3777	247	12	.	.	PUNCT
fsr-3777	248	1	demowitz	demowitz	PROPN
fsr-3777	248	2	,	,	PUNCT
fsr-3777	248	3	i.	i.	PROPN
fsr-3777	248	4	(	(	PUNCT
fsr-3777	248	5	1992	1992	NUM
fsr-3777	248	6	)	)	PUNCT
fsr-3777	248	7	.	.	PUNCT
fsr-3777	249	1	determinants	determinant	NOUN
fsr-3777	249	2	of	of	ADP
fsr-3777	249	3	the	the	DET
fsr-3777	249	4	chapter	chapter	NOUN
fsr-3777	249	5	7	7	NUM
fsr-3777	249	6	consumer	consumer	NOUN
fsr-3777	249	7	bankruptcy	bankruptcy	NOUN
fsr-3777	249	8	decision	decision	NOUN
fsr-3777	249	9	at	at	ADP
fsr-3777	249	10	the	the	DET
fsr-3777	249	11	household	household	NOUN
fsr-3777	249	12	level	level	NOUN
fsr-3777	249	13	.	.	PUNCT
fsr-3777	250	1	unpublished	unpublished	ADJ
fsr-3777	250	2	manuscript	manuscript	NOUN
fsr-3777	250	3	,	,	PUNCT
fsr-3777	250	4	economics	economics	PROPN
fsr-3777	250	5	department	department	PROPN
fsr-3777	250	6	,	,	PUNCT
fsr-3777	250	7	northwestern	northwestern	ADJ
fsr-3777	250	8	university	university	NOUN
fsr-3777	250	9	.	.	PUNCT
fsr-3777	251	1	general	general	ADJ
fsr-3777	251	2	accounting	accounting	PROPN
fsr-3777	251	3	office	office	NOUN
fsr-3777	251	4	.	.	PUNCT
fsr-3777	252	1	(	(	PUNCT
fsr-3777	252	2	1994	1994	NUM
fsr-3777	252	3	,	,	PUNCT
fsr-3777	252	4	april	april	PROPN
fsr-3777	252	5	)	)	PUNCT
fsr-3777	252	6	.	.	PUNCT
fsr-3777	253	1	u.s	u.s	PROPN
fsr-3777	253	2	.	.	PROPN
fsr-3777	253	3	credit	credit	NOUN
fsr-3777	253	4	card	card	NOUN
fsr-3777	253	5	industry	industry	NOUN
fsr-3777	253	6	:	:	PUNCT
fsr-3777	253	7	competitive	competitive	ADJ
fsr-3777	253	8	developments	development	NOUN
fsr-3777	253	9	need	need	VERB
fsr-3777	253	10	to	to	PART
fsr-3777	253	11	be	be	AUX
fsr-3777	253	12	closely	closely	ADV
fsr-3777	253	13	monitored	monitor	VERB
fsr-3777	253	14	.	.	PUNCT
fsr-3777	254	1	report	report	VERB
fsr-3777	254	2	ggd-94	ggd-94	NOUN
fsr-3777	254	3	-	-	SYM
fsr-3777	254	4	23	23	NUM
fsr-3777	254	5	.	.	PUNCT
fsr-3777	255	1	washington	washington	PROPN
fsr-3777	255	2	,	,	PUNCT
fsr-3777	255	3	dc	dc	PROPN
fsr-3777	255	4	:	:	PUNCT
fsr-3777	255	5	gao	gao	PROPN
fsr-3777	255	6	.	.	PUNCT
fsr-3777	255	7	pozdena	pozdena	PROPN
fsr-3777	255	8	,	,	PUNCT
fsr-3777	255	9	r.j	r.j	PROPN
fsr-3777	255	10	.	.	PROPN
fsr-3777	255	11	(	(	PUNCT
fsr-3777	255	12	1991	1991	NUM
fsr-3777	255	13	)	)	PUNCT
fsr-3777	255	14	.	.	PUNCT
fsr-3777	256	1	solving	solve	VERB
fsr-3777	256	2	the	the	DET
fsr-3777	256	3	credit	credit	NOUN
fsr-3777	256	4	card	card	NOUN
fsr-3777	256	5	mystery	mystery	NOUN
fsr-3777	256	6	.	.	PUNCT
fsr-3777	257	1	wall	wall	PROPN
fsr-3777	257	2	street	street	PROPN
fsr-3777	257	3	journal	journal	PROPN
fsr-3777	257	4	(	(	PUNCT
fsr-3777	257	5	december	december	PROPN
fsr-3777	257	6	26	26	NUM
fsr-3777	257	7	)	)	PUNCT
fsr-3777	257	8	,	,	PUNCT
fsr-3777	257	9	17	17	NUM
fsr-3777	257	10	.	.	PUNCT
fsr-3777	258	1	luckett	luckett	PROPN
fsr-3777	258	2	,	,	PUNCT
fsr-3777	258	3	ca	ca	PROPN
fsr-3777	258	4	.	.	PUNCT
fsr-3777	259	1	(	(	PUNCT
fsr-3777	259	2	1988	1988	NUM
fsr-3777	259	3	)	)	PUNCT
fsr-3777	259	4	.	.	PUNCT
fsr-3777	260	1	personal	personal	ADJ
fsr-3777	260	2	bankruptcies	bankruptcy	NOUN
fsr-3777	260	3	.	.	PUNCT
fsr-3777	261	1	federal	federal	PROPN
fsr-3777	261	2	reserve	reserve	PROPN
fsr-3777	261	3	bulletin	bulletin	PROPN
fsr-3777	261	4	,	,	PUNCT
fsr-3777	261	5	74(9	74(9	NUM
fsr-3777	261	6	)	)	PUNCT
fsr-3777	261	7	,	,	PUNCT
fsr-3777	261	8	591	591	NUM
fsr-3777	261	9	-	-	SYM
fsr-3777	261	10	603	603	NUM
fsr-3777	261	11	.	.	PUNCT
fsr-3777	262	1	136	136	NUM
fsr-3777	262	2	financial	financial	ADJ
fsr-3777	262	3	services	service	NOUN
fsr-3777	262	4	review	review	NOUN
fsr-3777	262	5	4(2	4(2	NUM
fsr-3777	262	6	)	)	PUNCT
fsr-3777	262	7	1995	1995	NUM
fsr-3777	262	8	peterson	peterson	PROPN
fsr-3777	262	9	,	,	PUNCT
fsr-3777	262	10	r.l	r.l	PROPN
fsr-3777	262	11	.	.	PROPN
fsr-3777	262	12	,	,	PUNCT
fsr-3777	262	13	&	&	CCONJ
fsr-3777	262	14	aoki	aoki	PROPN
fsr-3777	262	15	,	,	PUNCT
fsr-3777	262	16	k.	k.	PROPN
fsr-3777	262	17	(	(	PUNCT
fsr-3777	262	18	1984	1984	NUM
fsr-3777	262	19	)	)	PUNCT
fsr-3777	262	20	.	.	PUNCT
fsr-3777	263	1	bankruptcy	bankruptcy	NOUN
fsr-3777	263	2	filings	filing	NOUN
fsr-3777	263	3	before	before	ADP
fsr-3777	263	4	and	and	CCONJ
fsr-3777	263	5	after	after	ADP
fsr-3777	263	6	implementation	implementation	NOUN
fsr-3777	263	7	of	of	ADP
fsr-3777	263	8	the	the	DET
fsr-3777	263	9	bankruptcy	bankruptcy	NOUN
fsr-3777	263	10	reform	reform	NOUN
fsr-3777	263	11	law	law	NOUN
fsr-3777	263	12	.	.	PUNCT
fsr-3777	264	1	journal	journal	PROPN
fsr-3777	264	2	of	of	ADP
fsr-3777	264	3	economics	economic	NOUN
fsr-3777	264	4	and	and	CCONJ
fsr-3777	264	5	business	business	NOUN
fsr-3777	264	6	,	,	PUNCT
fsr-3777	264	7	36(february	36(february	NUM
fsr-3777	264	8	)	)	PUNCT
fsr-3777	264	9	,	,	PUNCT
fsr-3777	264	10	95	95	NUM
fsr-3777	264	11	-	-	SYM
fsr-3777	264	12	105	105	NUM
fsr-3777	264	13	.	.	PUNCT
fsr-3777	265	1	shaffer	shaffer	NOUN
fsr-3777	265	2	,	,	PUNCT
fsr-3777	265	3	s.	s.	PROPN
fsr-3777	265	4	(	(	PUNCT
fsr-3777	265	5	1994	1994	NUM
fsr-3777	265	6	)	)	PUNCT
fsr-3777	265	7	.	.	PUNCT
fsr-3777	266	1	evidence	evidence	NOUN
fsr-3777	266	2	of	of	ADP
fsr-3777	266	3	monopoly	monopoly	NOUN
fsr-3777	266	4	power	power	NOUN
fsr-3777	266	5	among	among	ADP
fsr-3777	266	6	credit	credit	NOUN
fsr-3777	266	7	card	card	NOUN
fsr-3777	266	8	banks	bank	NOUN
fsr-3777	266	9	.	.	PUNCT
fsr-3777	267	1	working	work	VERB
fsr-3777	267	2	paper	paper	NOUN
fsr-3777	267	3	94	94	NUM
fsr-3777	267	4	-	-	SYM
fsr-3777	267	5	16	16	NUM
fsr-3777	267	6	,	,	PUNCT
fsr-3777	267	7	federal	federal	PROPN
fsr-3777	267	8	reserve	reserve	PROPN
fsr-3777	267	9	bank	bank	PROPN
fsr-3777	267	10	of	of	ADP
fsr-3777	267	11	philadelphia	philadelphia	PROPN
fsr-3777	267	12	.	.	PUNCT
fsr-3777	268	1	shepard	shepard	PROPN
fsr-3777	268	2	,	,	PUNCT
fsr-3777	268	3	l.	l.	PROPN
fsr-3777	268	4	(	(	PUNCT
fsr-3777	268	5	1984	1984	NUM
fsr-3777	268	6	)	)	PUNCT
fsr-3777	268	7	.	.	PUNCT
fsr-3777	269	1	personal	personal	ADJ
fsr-3777	269	2	failures	failure	NOUN
fsr-3777	269	3	and	and	CCONJ
fsr-3777	269	4	the	the	DET
fsr-3777	269	5	bankruptcy	bankruptcy	NOUN
fsr-3777	269	6	reform	reform	PROPN
fsr-3777	269	7	act	act	NOUN
fsr-3777	269	8	of	of	ADP
fsr-3777	269	9	1978	1978	NUM
fsr-3777	269	10	.	.	PUNCT
fsr-3777	270	1	journal	journal	PROPN
fsr-3777	270	2	of	of	ADP
fsr-3777	270	3	law	law	NOUN
fsr-3777	270	4	and	and	CCONJ
fsr-3777	270	5	economics	economic	NOUN
fsr-3777	270	6	,	,	PUNCT
fsr-3777	270	7	27(cktober	27(cktober	NUM
fsr-3777	270	8	)	)	PUNCT
fsr-3777	270	9	419	419	NUM
fsr-3777	270	10	-	-	SYM
fsr-3777	270	11	438	438	NUM
fsr-3777	270	12	.	.	PUNCT
fsr-3777	271	1	shiers	shier	NOUN
fsr-3777	271	2	,	,	PUNCT
fsr-3777	271	3	a.f	a.f	PROPN
fsr-3777	271	4	.	.	PROPN
fsr-3777	271	5	,	,	PUNCT
fsr-3777	271	6	&	&	CCONJ
fsr-3777	271	7	williamson	williamson	PROPN
fsr-3777	271	8	,	,	PUNCT
fsr-3777	271	9	d.p	d.p	PROPN
fsr-3777	271	10	.	.	PROPN
fsr-3777	271	11	(	(	PUNCT
fsr-3777	271	12	1987	1987	NUM
fsr-3777	271	13	)	)	PUNCT
fsr-3777	271	14	.	.	PUNCT
fsr-3777	272	1	nonbusiness	nonbusiness	NOUN
fsr-3777	272	2	bankruptcies	bankruptcy	NOUN
fsr-3777	272	3	and	and	CCONJ
fsr-3777	272	4	the	the	DET
fsr-3777	272	5	law	law	NOUN
fsr-3777	272	6	:	:	PUNCT
fsr-3777	272	7	some	some	DET
fsr-3777	272	8	empirical	empirical	ADJ
fsr-3777	272	9	results	result	NOUN
fsr-3777	272	10	.	.	PUNCT
fsr-3777	273	1	the	the	DET
fsr-3777	273	2	journal	journal	NOUN
fsr-3777	273	3	of	of	ADP
fsr-3777	273	4	consumer	consumer	NOUN
fsr-3777	273	5	affairs	affair	NOUN
fsr-3777	273	6	,	,	PUNCT
fsr-3777	273	7	zl(winter	zl(winter	PROPN
fsr-3777	273	8	)	)	PUNCT
fsr-3777	273	9	,	,	PUNCT
fsr-3777	273	10	277	277	NUM
fsr-3777	273	11	-	-	SYM
fsr-3777	273	12	292	292	NUM
fsr-3777	273	13	.	.	PUNCT
fsr-3777	274	1	sullivan	sullivan	PROPN
fsr-3777	274	2	,	,	PUNCT
fsr-3777	274	3	a.c	a.c	PROPN
fsr-3777	274	4	.	.	PROPN
fsr-3777	274	5	,	,	PUNCT
fsr-3777	274	6	&	&	CCONJ
fsr-3777	274	7	worden	worden	PROPN
fsr-3777	274	8	,	,	PUNCT
fsr-3777	274	9	d.d	d.d	PROPN
fsr-3777	274	10	.	.	PROPN
fsr-3777	274	11	(	(	PUNCT
fsr-3777	274	12	1990	1990	NUM
fsr-3777	274	13	)	)	PUNCT
fsr-3777	274	14	.	.	PUNCT
fsr-3777	275	1	rehabilitation	rehabilitation	NOUN
fsr-3777	275	2	or	or	CCONJ
fsr-3777	275	3	liquidation	liquidation	NOUN
fsr-3777	275	4	:	:	PUNCT
fsr-3777	275	5	consumers	consumer	NOUN
fsr-3777	275	6	’	'	PUNCT
fsr-3777	275	7	choices	choice	NOUN
fsr-3777	275	8	in	in	ADP
fsr-3777	275	9	bank	bank	NOUN
fsr-3777	275	10	ruptcy	ruptcy	NOUN
fsr-3777	275	11	.	.	PUNCT
fsr-3777	276	1	the	the	DET
fsr-3777	276	2	journal	journal	NOUN
fsr-3777	276	3	of	of	ADP
fsr-3777	276	4	consumeraffairs	consumeraffair	NOUN
fsr-3777	276	5	,	,	PUNCT
fsr-3777	276	6	zi(summer	zi(summer	NOUN
fsr-3777	276	7	)	)	PUNCT
fsr-3777	276	8	,	,	PUNCT
fsr-3777	276	9	69	69	NUM
fsr-3777	276	10	-	-	SYM
fsr-3777	276	11	88	88	NUM
fsr-3777	276	12	.	.	PUNCT
fsr-3777	277	1	sullivan	sullivan	PROPN
fsr-3777	277	2	,	,	PUNCT
fsr-3777	277	3	a.c	a.c	PROPN
fsr-3777	277	4	.	.	PROPN
fsr-3777	277	5	,	,	PUNCT
fsr-3777	277	6	&	&	CCONJ
fsr-3777	277	7	worden	worden	PROPN
fsr-3777	277	8	,	,	PUNCT
fsr-3777	277	9	d.d	d.d	PROPN
fsr-3777	277	10	.	.	PROPN
fsr-3777	277	11	(	(	PUNCT
fsr-3777	277	12	1991	1991	NUM
fsr-3777	277	13	)	)	PUNCT
fsr-3777	277	14	.	.	PUNCT
fsr-3777	278	1	the	the	DET
fsr-3777	278	2	law	law	NOUN
fsr-3777	278	3	and	and	CCONJ
fsr-3777	278	4	consumer	consumer	NOUN
fsr-3777	278	5	demand	demand	NOUN
fsr-3777	278	6	for	for	ADP
fsr-3777	278	7	debt	debt	NOUN
fsr-3777	278	8	relief	relief	NOUN
fsr-3777	278	9	under	under	ADP
fsr-3777	278	10	the	the	DET
fsr-3777	278	11	bankruptcy	bankruptcy	NOUN
fsr-3777	278	12	code	code	PROPN
fsr-3777	278	13	.	.	PUNCT
fsr-3777	279	1	unpublished	unpublished	ADJ
fsr-3777	279	2	manuscript	manuscript	NOUN
fsr-3777	279	3	,	,	PUNCT
fsr-3777	279	4	krannert	krannert	PROPN
fsr-3777	279	5	school	school	NOUN
fsr-3777	279	6	of	of	ADP
fsr-3777	279	7	management	management	NOUN
fsr-3777	279	8	,	,	PUNCT
fsr-3777	279	9	purdue	purdue	PROPN
fsr-3777	279	10	univer	univer	PROPN
fsr-3777	279	11	sity	sity	NOUN
fsr-3777	279	12	.	.	PUNCT