id	sid	tid	token	lemma	pos
fsr-3778	1	1	pii	pii	PROPN
fsr-3778	1	2	:	:	PUNCT
fsr-3778	1	3	1057	1057	NUM
fsr-3778	1	4	-	-	PUNCT
fsr-3778	1	5	0810(95)90008	0810(95)90008	NOUN
fsr-3778	1	6	-	-	PUNCT
fsr-3778	1	7	x	x	ADJ
fsr-3778	1	8	financial	financial	ADJ
fsr-3778	1	9	services	service	NOUN
fsr-3778	1	10	review	review	NOUN
fsr-3778	1	11	,	,	PUNCT
fsr-3778	1	12	4(2	4(2	NUM
fsr-3778	1	13	):	):	PUNCT
fsr-3778	1	14	137	137	NUM
fsr-3778	1	15	-	-	SYM
fsr-3778	1	16	156	156	NUM
fsr-3778	1	17	copyright	copyright	NOUN
fsr-3778	1	18	0	0	NUM
fsr-3778	1	19	1995	1995	NUM
fsr-3778	1	20	by	by	ADP
fsr-3778	1	21	jai	jai	PROPN
fsr-3778	1	22	press	press	PROPN
fsr-3778	1	23	inc	inc	PROPN
fsr-3778	1	24	.	.	PROPN
fsr-3778	1	25	issn	issn	PROPN
fsr-3778	1	26	:	:	PUNCT
fsr-3778	1	27	1057	1057	NUM
fsr-3778	1	28	-	-	SYM
fsr-3778	1	29	0810	0810	NUM
fsr-3778	1	30	all	all	DET
fsr-3778	1	31	rights	right	NOUN
fsr-3778	1	32	of	of	ADP
fsr-3778	1	33	reproduction	reproduction	NOUN
fsr-3778	1	34	in	in	ADP
fsr-3778	1	35	any	any	DET
fsr-3778	1	36	form	form	NOUN
fsr-3778	1	37	reserved	reserve	VERB
fsr-3778	1	38	.	.	PUNCT
fsr-3778	2	1	household	household	NOUN
fsr-3778	2	2	insolvency	insolvency	NOUN
fsr-3778	2	3	:	:	PUNCT
fsr-3778	2	4	a	a	DET
fsr-3778	2	5	review	review	NOUN
fsr-3778	2	6	of	of	ADP
fsr-3778	2	7	household	household	NOUN
fsr-3778	2	8	debt	debt	NOUN
fsr-3778	2	9	repayment	repayment	NOUN
fsr-3778	2	10	,	,	PUNCT
fsr-3778	2	11	delinquency	delinquency	NOUN
fsr-3778	2	12	,	,	PUNCT
fsr-3778	2	13	and	and	CCONJ
fsr-3778	2	14	bankruptcy	bankruptcy	NOUN
fsr-3778	2	15	sharon	sharon	PROPN
fsr-3778	2	16	a.	a.	PROPN
fsr-3778	2	17	devaney	devaney	PROPN
fsr-3778	2	18	ruth	ruth	PROPN
fsr-3778	2	19	h.	h.	PROPN
fsr-3778	2	20	lytton	lytton	PROPN
fsr-3778	2	21	this	this	DET
fsr-3778	2	22	review	review	NOUN
fsr-3778	2	23	paper	paper	NOUN
fsr-3778	2	24	explores	explore	VERB
fsr-3778	2	25	the	the	DET
fsr-3778	2	26	issues	issue	NOUN
fsr-3778	2	27	related	relate	VERB
fsr-3778	2	28	to	to	ADP
fsr-3778	2	29	the	the	DET
fsr-3778	2	30	meaning	meaning	NOUN
fsr-3778	2	31	and	and	CCONJ
fsr-3778	2	32	measurement	measurement	NOUN
fsr-3778	2	33	of	of	ADP
fsr-3778	2	34	insolvency	insolvency	NOUN
fsr-3778	2	35	within	within	ADP
fsr-3778	2	36	the	the	DET
fsr-3778	2	37	domain	domain	NOUN
fsr-3778	2	38	of	of	ADP
fsr-3778	2	39	householdfinances	householdfinance	NOUN
fsr-3778	2	40	.	.	PUNCT
fsr-3778	3	1	conceptual	conceptual	ADJ
fsr-3778	3	2	and	and	CCONJ
fsr-3778	3	3	empirical	empirical	ADJ
fsr-3778	3	4	evidence	evidence	NOUN
fsr-3778	3	5	to	to	PART
fsr-3778	3	6	explain	explain	VERB
fsr-3778	3	7	the	the	DET
fsr-3778	3	8	onset	onset	NOUN
fsr-3778	3	9	of	of	ADP
fsr-3778	3	10	insolvency	insolvency	NOUN
fsr-3778	3	11	is	be	AUX
fsr-3778	3	12	reviewed	review	VERB
fsr-3778	3	13	.	.	PUNCT
fsr-3778	4	1	predictive	predictive	ADJ
fsr-3778	4	2	models	model	NOUN
fsr-3778	4	3	andfinancial	andfinancial	ADJ
fsr-3778	4	4	ratios	ratio	NOUN
fsr-3778	4	5	are	be	AUX
fsr-3778	4	6	presentedas	presentedas	ADJ
fsr-3778	4	7	techniquesfor	techniquesfor	NOUN
fsr-3778	4	8	identifying	identify	VERB
fsr-3778	4	9	insolvent	insolvent	ADJ
fsr-3778	4	10	households	household	NOUN
fsr-3778	4	11	.	.	PUNCT
fsr-3778	5	1	implicationsformonitoring	implicationsformonitore	VERB
fsr-3778	5	2	of	of	ADP
fsr-3778	5	3	solvency	solvency	NOUN
fsr-3778	5	4	by	by	ADP
fsr-3778	5	5	households	household	NOUN
fsr-3778	5	6	and	and	CCONJ
fsr-3778	5	7	responses	response	NOUN
fsr-3778	5	8	to	to	ADP
fsr-3778	5	9	insolvency	insolvency	NOUN
fsr-3778	5	10	are	be	AUX
fsr-3778	5	11	presented	present	VERB
fsr-3778	5	12	,	,	PUNCT
fsr-3778	5	13	i.	i.	PROPN
fsr-3778	5	14	introduction	introduction	NOUN
fsr-3778	5	15	the	the	DET
fsr-3778	5	16	term	term	NOUN
fsr-3778	5	17	insolvency	insolvency	NOUN
fsr-3778	5	18	is	be	AUX
fsr-3778	5	19	more	more	ADV
fsr-3778	5	20	frequently	frequently	ADV
fsr-3778	5	21	associated	associate	VERB
fsr-3778	5	22	with	with	ADP
fsr-3778	5	23	a	a	DET
fsr-3778	5	24	business	business	NOUN
fsr-3778	5	25	entity	entity	NOUN
fsr-3778	5	26	than	than	ADP
fsr-3778	5	27	a	a	DET
fsr-3778	5	28	household	household	NOUN
fsr-3778	5	29	.	.	PUNCT
fsr-3778	6	1	the	the	DET
fsr-3778	6	2	concepts	concept	NOUN
fsr-3778	6	3	of	of	ADP
fsr-3778	6	4	solvency	solvency	NOUN
fsr-3778	6	5	and	and	CCONJ
fsr-3778	6	6	its	its	PRON
fsr-3778	6	7	opposite	opposite	ADJ
fsr-3778	6	8	,	,	PUNCT
fsr-3778	6	9	insolvency	insolvency	NOUN
fsr-3778	6	10	,	,	PUNCT
fsr-3778	6	11	can	can	AUX
fsr-3778	6	12	be	be	AUX
fsr-3778	6	13	simply	simply	ADV
fsr-3778	6	14	defined	define	VERB
fsr-3778	6	15	as	as	ADP
fsr-3778	6	16	having	have	VERB
fsr-3778	6	17	either	either	CCONJ
fsr-3778	6	18	a	a	DET
fsr-3778	6	19	positive	positive	ADJ
fsr-3778	6	20	or	or	CCONJ
fsr-3778	6	21	negative	negative	ADJ
fsr-3778	6	22	net	net	ADJ
fsr-3778	6	23	worth	worth	NOUN
fsr-3778	6	24	.	.	PUNCT
fsr-3778	7	1	in	in	ADP
fsr-3778	7	2	the	the	DET
fsr-3778	7	3	equiry	equiry	NOUN
fsr-3778	7	4	sense	sense	NOUN
fsr-3778	7	5	,	,	PUNCT
fsr-3778	7	6	insolvency	insolvency	NOUN
fsr-3778	7	7	refers	refer	VERB
fsr-3778	7	8	to	to	ADP
fsr-3778	7	9	the	the	DET
fsr-3778	7	10	failure	failure	NOUN
fsr-3778	7	11	to	to	PART
fsr-3778	7	12	submit	submit	VERB
fsr-3778	7	13	the	the	DET
fsr-3778	7	14	timely	timely	ADJ
fsr-3778	7	15	repayment	repayment	NOUN
fsr-3778	7	16	of	of	ADP
fsr-3778	7	17	debts	debt	NOUN
fsr-3778	7	18	as	as	SCONJ
fsr-3778	7	19	they	they	PRON
fsr-3778	7	20	mature	mature	VERB
fsr-3778	7	21	.	.	PUNCT
fsr-3778	8	1	this	this	DET
fsr-3778	8	2	situation	situation	NOUN
fsr-3778	8	3	can	can	AUX
fsr-3778	8	4	result	result	VERB
fsr-3778	8	5	in	in	ADP
fsr-3778	8	6	an	an	DET
fsr-3778	8	7	increase	increase	NOUN
fsr-3778	8	8	in	in	ADP
fsr-3778	8	9	liabilities	liability	NOUN
fsr-3778	8	10	and	and	CCONJ
fsr-3778	8	11	a	a	DET
fsr-3778	8	12	reduction	reduction	NOUN
fsr-3778	8	13	in	in	ADP
fsr-3778	8	14	the	the	DET
fsr-3778	8	15	equity	equity	NOUN
fsr-3778	8	16	in	in	ADP
fsr-3778	8	17	assets	asset	NOUN
fsr-3778	8	18	held	hold	VERB
fsr-3778	8	19	.	.	PUNCT
fsr-3778	9	1	in	in	ADP
fsr-3778	9	2	the	the	DET
fsr-3778	9	3	bankruptcy	bankruptcy	NOUN
fsr-3778	9	4	sense	sense	NOUN
fsr-3778	9	5	,	,	PUNCT
fsr-3778	9	6	insolvency	insolvency	NOUN
fsr-3778	9	7	means	mean	VERB
fsr-3778	9	8	that	that	SCONJ
fsr-3778	9	9	net	net	ADJ
fsr-3778	9	10	assets	asset	NOUN
fsr-3778	9	11	at	at	ADP
fsr-3778	9	12	fair	fair	ADJ
fsr-3778	9	13	market	market	NOUN
fsr-3778	9	14	value	value	NOUN
fsr-3778	9	15	are	be	AUX
fsr-3778	9	16	less	less	ADJ
fsr-3778	9	17	than	than	ADP
fsr-3778	9	18	liabilities	liability	NOUN
fsr-3778	9	19	,	,	PUNCT
fsr-3778	9	20	which	which	PRON
fsr-3778	9	21	can	can	AUX
fsr-3778	9	22	necessitate	necessitate	VERB
fsr-3778	9	23	the	the	DET
fsr-3778	9	24	liquidation	liquidation	NOUN
fsr-3778	9	25	of	of	ADP
fsr-3778	9	26	assets	asset	NOUN
fsr-3778	9	27	through	through	ADP
fsr-3778	9	28	a	a	DET
fsr-3778	9	29	court	court	NOUN
fsr-3778	9	30	-	-	PUNCT
fsr-3778	9	31	ordered	order	VERB
fsr-3778	9	32	bankruptcy	bankruptcy	NOUN
fsr-3778	9	33	process	process	NOUN
fsr-3778	9	34	(	(	PUNCT
fsr-3778	9	35	becker	becker	NOUN
fsr-3778	9	36	,	,	PUNCT
fsr-3778	9	37	1992	1992	NUM
fsr-3778	9	38	)	)	PUNCT
fsr-3778	9	39	.	.	PUNCT
fsr-3778	10	1	factors	factor	NOUN
fsr-3778	10	2	that	that	PRON
fsr-3778	10	3	contribute	contribute	VERB
fsr-3778	10	4	to	to	ADP
fsr-3778	10	5	insolvency	insolvency	NOUN
fsr-3778	10	6	and	and	CCONJ
fsr-3778	10	7	the	the	DET
fsr-3778	10	8	implications	implication	NOUN
fsr-3778	10	9	for	for	ADP
fsr-3778	10	10	the	the	DET
fsr-3778	10	11	household	household	NOUN
fsr-3778	10	12	vary	vary	VERB
fsr-3778	10	13	significantly	significantly	ADV
fsr-3778	10	14	;	;	PUNCT
fsr-3778	10	15	we	we	PRON
fsr-3778	10	16	know	know	VERB
fsr-3778	10	17	that	that	SCONJ
fsr-3778	10	18	consumers	consumer	NOUN
fsr-3778	10	19	are	be	AUX
fsr-3778	10	20	taking	take	VERB
fsr-3778	10	21	on	on	ADP
fsr-3778	10	22	more	more	ADJ
fsr-3778	10	23	debt	debt	NOUN
fsr-3778	10	24	and	and	CCONJ
fsr-3778	10	25	more	more	ADJ
fsr-3778	10	26	consumers	consumer	NOUN
fsr-3778	10	27	can	can	AUX
fsr-3778	10	28	be	be	AUX
fsr-3778	10	29	characterized	characterize	VERB
fsr-3778	10	30	as	as	ADP
fsr-3778	10	31	insolvent	insolvent	ADJ
fsr-3778	10	32	.	.	PUNCT
fsr-3778	11	1	in	in	ADP
fsr-3778	11	2	fact	fact	NOUN
fsr-3778	11	3	,	,	PUNCT
fsr-3778	11	4	many	many	ADJ
fsr-3778	11	5	policy	policy	NOUN
fsr-3778	11	6	observers	observer	NOUN
fsr-3778	11	7	have	have	AUX
fsr-3778	11	8	referred	refer	VERB
fsr-3778	11	9	to	to	ADP
fsr-3778	11	10	the	the	DET
fsr-3778	11	11	1980s	1980	NOUN
fsr-3778	11	12	as	as	ADP
fsr-3778	11	13	a	a	DET
fsr-3778	11	14	“	"	PUNCT
fsr-3778	11	15	decade	decade	NOUN
fsr-3778	11	16	of	of	ADP
fsr-3778	11	17	debt	debt	NOUN
fsr-3778	11	18	.	.	PUNCT
fsr-3778	11	19	”	"	PUNCT
fsr-3778	12	1	between	between	ADP
fsr-3778	12	2	1979	1979	NUM
fsr-3778	12	3	and	and	CCONJ
fsr-3778	12	4	1982	1982	NUM
fsr-3778	12	5	,	,	PUNCT
fsr-3778	12	6	the	the	DET
fsr-3778	12	7	growth	growth	NOUN
fsr-3778	12	8	in	in	ADP
fsr-3778	12	9	consumer	consumer	NOUN
fsr-3778	12	10	installment	installment	NOUN
fsr-3778	12	11	credit	credit	NOUN
fsr-3778	12	12	outstanding	outstanding	ADJ
fsr-3778	12	13	was	be	AUX
fsr-3778	12	14	less	less	ADJ
fsr-3778	12	15	than	than	ADP
fsr-3778	12	16	an	an	DET
fsr-3778	12	17	annual	annual	ADJ
fsr-3778	12	18	compound	compound	NOUN
fsr-3778	12	19	rate	rate	NOUN
fsr-3778	12	20	of	of	ADP
fsr-3778	12	21	6	6	NUM
fsr-3778	12	22	%	%	NOUN
fsr-3778	12	23	per	per	ADP
fsr-3778	12	24	year	year	NOUN
fsr-3778	12	25	.	.	PUNCT
fsr-3778	13	1	from	from	ADP
fsr-3778	13	2	the	the	DET
fsr-3778	13	3	end	end	NOUN
fsr-3778	13	4	of	of	ADP
fsr-3778	13	5	this	this	DET
fsr-3778	13	6	recessionary	recessionary	ADJ
fsr-3778	13	7	period	period	NOUN
fsr-3778	13	8	until	until	ADP
fsr-3778	13	9	1987	1987	NUM
fsr-3778	13	10	,	,	PUNCT
fsr-3778	13	11	consumer	consumer	NOUN
fsr-3778	13	12	installment	installment	NOUN
fsr-3778	13	13	credit	credit	NOUN
fsr-3778	13	14	outstanding	outstanding	ADJ
fsr-3778	13	15	grew	grow	VERB
fsr-3778	13	16	at	at	ADP
fsr-3778	13	17	an	an	DET
fsr-3778	13	18	average	average	ADJ
fsr-3778	13	19	compound	compound	NOUN
fsr-3778	13	20	annual	annual	ADJ
fsr-3778	13	21	rate	rate	NOUN
fsr-3778	13	22	of	of	ADP
fsr-3778	13	23	18	18	NUM
fsr-3778	13	24	%	%	NOUN
fsr-3778	13	25	(	(	PUNCT
fsr-3778	13	26	avery	avery	NOUN
fsr-3778	13	27	,	,	PUNCT
fsr-3778	13	28	elliehausen	elliehausen	NOUN
fsr-3778	13	29	,	,	PUNCT
fsr-3778	13	30	&	&	CCONJ
fsr-3778	13	31	kennickell	kennickell	PROPN
fsr-3778	13	32	,	,	PUNCT
fsr-3778	13	33	1987	1987	NUM
fsr-3778	13	34	;	;	PUNCT
fsr-3778	13	35	luckett	luckett	PROPN
fsr-3778	13	36	&	&	CCONJ
fsr-3778	13	37	august	august	PROPN
fsr-3778	13	38	,	,	PUNCT
fsr-3778	13	39	1985	1985	NUM
fsr-3778	13	40	)	)	PUNCT
fsr-3778	13	41	.	.	PUNCT
fsr-3778	14	1	it	it	PRON
fsr-3778	14	2	is	be	AUX
fsr-3778	14	3	estimated	estimate	VERB
fsr-3778	14	4	that	that	SCONJ
fsr-3778	14	5	sharon	sharon	PROPN
fsr-3778	14	6	a.	a.	PROPN
fsr-3778	14	7	devaney	devaney	PROPN
fsr-3778	14	8	l	l	PROPN
fsr-3778	14	9	consumer	consumer	NOUN
fsr-3778	14	10	sciences	science	NOUN
fsr-3778	14	11	and	and	CCONJ
fsr-3778	14	12	retailing	retailing	PROPN
fsr-3778	14	13	department	department	PROPN
fsr-3778	14	14	,	,	PUNCT
fsr-3778	14	15	purdue	purdue	PROPN
fsr-3778	14	16	university	university	NOUN
fsr-3778	14	17	,	,	PUNCT
fsr-3778	14	18	room	room	NOUN
fsr-3778	14	19	216	216	NUM
fsr-3778	14	20	matthews	matthews	PROPN
fsr-3778	14	21	hall	hall	NOUN
fsr-3778	14	22	,	,	PUNCT
fsr-3778	14	23	west	west	PROPN
fsr-3778	14	24	lafayette	lafayette	PROPN
fsr-3778	14	25	,	,	PUNCT
fsr-3778	14	26	in	in	ADP
fsr-3778	14	27	47907	47907	NUM
fsr-3778	14	28	.	.	PUNCT
fsr-3778	15	1	ruth	ruth	PROPN
fsr-3778	15	2	h.	h.	PROPN
fsr-3778	15	3	lytton	lytton	PROPN
fsr-3778	15	4	l	l	PROPN
fsr-3778	15	5	department	department	PROPN
fsr-3778	15	6	of	of	ADP
fsr-3778	15	7	housing	housing	NOUN
fsr-3778	15	8	,	,	PUNCT
fsr-3778	15	9	interior	interior	ADJ
fsr-3778	15	10	design	design	NOUN
fsr-3778	15	11	and	and	CCONJ
fsr-3778	15	12	resource	resource	NOUN
fsr-3778	15	13	management	management	NOUN
fsr-3778	15	14	,	,	PUNCT
fsr-3778	15	15	virginia	virginia	PROPN
fsr-3778	15	16	polytechnic	polytechnic	PROPN
fsr-3778	15	17	and	and	CCONJ
fsr-3778	15	18	state	state	PROPN
fsr-3778	15	19	university	university	PROPN
fsr-3778	15	20	,	,	PUNCT
fsr-3778	15	21	blacksburg	blacksburg	PROPN
fsr-3778	15	22	,	,	PUNCT
fsr-3778	15	23	va	va	PROPN
fsr-3778	15	24	24061	24061	NUM
fsr-3778	15	25	.	.	PUNCT
fsr-3778	16	1	138	138	NUM
fsr-3778	16	2	financial	financial	ADJ
fsr-3778	16	3	services	service	NOUN
fsr-3778	16	4	review	review	NOUN
fsr-3778	16	5	4(2	4(2	NUM
fsr-3778	16	6	)	)	PUNCT
fsr-3778	16	7	1995	1995	NUM
fsr-3778	16	8	personal	personal	ADJ
fsr-3778	16	9	debt	debt	NOUN
fsr-3778	16	10	increased	increase	VERB
fsr-3778	16	11	by	by	ADP
fsr-3778	16	12	79	79	NUM
fsr-3778	16	13	%	%	NOUN
fsr-3778	16	14	between	between	ADP
fsr-3778	16	15	1980	1980	NUM
fsr-3778	16	16	and	and	CCONJ
fsr-3778	16	17	1990	1990	NUM
fsr-3778	16	18	while	while	SCONJ
fsr-3778	16	19	real	real	ADJ
fsr-3778	16	20	personal	personal	ADJ
fsr-3778	16	21	assets	asset	NOUN
fsr-3778	16	22	rose	rise	VERB
fsr-3778	16	23	by	by	ADP
fsr-3778	16	24	only	only	ADV
fsr-3778	16	25	36	36	NUM
fsr-3778	16	26	%	%	NOUN
fsr-3778	16	27	(	(	PUNCT
fsr-3778	16	28	federal	federal	PROPN
fsr-3778	16	29	reserve	reserve	PROPN
fsr-3778	16	30	,	,	PUNCT
fsr-3778	16	31	199	199	NUM
fsr-3778	16	32	1	1	NUM
fsr-3778	16	33	,	,	PUNCT
fsr-3778	16	34	pp	pp	ADJ
fsr-3778	16	35	.	.	PUNCT
fsr-3778	17	1	19	19	NUM
fsr-3778	17	2	-	-	SYM
fsr-3778	17	3	24	24	NUM
fsr-3778	17	4	)	)	PUNCT
fsr-3778	17	5	.	.	PUNCT
fsr-3778	18	1	between	between	ADP
fsr-3778	18	2	1981	1981	NUM
fsr-3778	18	3	and	and	CCONJ
fsr-3778	18	4	1990	1990	NUM
fsr-3778	18	5	,	,	PUNCT
fsr-3778	18	6	the	the	DET
fsr-3778	18	7	percentage	percentage	NOUN
fsr-3778	18	8	of	of	ADP
fsr-3778	18	9	disposable	disposable	ADJ
fsr-3778	18	10	personal	personal	ADJ
fsr-3778	18	11	income	income	NOUN
fsr-3778	18	12	consumed	consume	VERB
fsr-3778	18	13	by	by	ADP
fsr-3778	18	14	consumer	consumer	NOUN
fsr-3778	18	15	installment	installment	NOUN
fsr-3778	18	16	credit	credit	NOUN
fsr-3778	18	17	payments	payment	NOUN
fsr-3778	18	18	grew	grow	VERB
fsr-3778	18	19	from	from	ADP
fsr-3778	18	20	14.5	14.5	NUM
fsr-3778	18	21	%	%	NOUN
fsr-3778	18	22	to	to	ADP
fsr-3778	18	23	18.5	18.5	NUM
fsr-3778	18	24	%	%	NOUN
fsr-3778	18	25	(	(	PUNCT
fsr-3778	18	26	courtless	courtless	NOUN
fsr-3778	18	27	,	,	PUNCT
fsr-3778	18	28	1993	1993	NUM
fsr-3778	18	29	)	)	PUNCT
fsr-3778	18	30	.	.	PUNCT
fsr-3778	19	1	in	in	ADP
fsr-3778	19	2	1992	1992	NUM
fsr-3778	19	3	,	,	PUNCT
fsr-3778	19	4	the	the	DET
fsr-3778	19	5	ratio	ratio	NOUN
fsr-3778	19	6	of	of	ADP
fsr-3778	19	7	consumer	consumer	NOUN
fsr-3778	19	8	installment	installment	NOUN
fsr-3778	19	9	credit	credit	NOUN
fsr-3778	19	10	payments	payment	NOUN
fsr-3778	19	11	to	to	ADP
fsr-3778	19	12	disposable	disposable	ADJ
fsr-3778	19	13	personal	personal	ADJ
fsr-3778	19	14	income	income	NOUN
fsr-3778	19	15	fell	fall	VERB
fsr-3778	19	16	to	to	ADP
fsr-3778	19	17	a	a	DET
fsr-3778	19	18	seven	seven	NUM
fsr-3778	19	19	-	-	PUNCT
fsr-3778	19	20	year	year	NOUN
fsr-3778	19	21	low	low	NOUN
fsr-3778	19	22	of	of	ADP
fsr-3778	19	23	16.7	16.7	NUM
fsr-3778	19	24	%	%	NOUN
fsr-3778	19	25	,	,	PUNCT
fsr-3778	19	26	indicating	indicate	VERB
fsr-3778	19	27	that	that	SCONJ
fsr-3778	19	28	consumers	consumer	NOUN
fsr-3778	19	29	had	have	AUX
fsr-3778	19	30	begun	begin	VERB
fsr-3778	19	31	to	to	PART
fsr-3778	19	32	reduce	reduce	VERB
fsr-3778	19	33	their	their	PRON
fsr-3778	19	34	indebtedness	indebtedness	NOUN
fsr-3778	19	35	to	to	ADP
fsr-3778	19	36	more	more	ADV
fsr-3778	19	37	manageable	manageable	ADJ
fsr-3778	19	38	levels	level	NOUN
fsr-3778	19	39	(	(	PUNCT
fsr-3778	19	40	scheld	scheld	NOUN
fsr-3778	19	41	,	,	PUNCT
fsr-3778	19	42	1993	1993	NUM
fsr-3778	19	43	)	)	PUNCT
fsr-3778	19	44	.	.	PUNCT
fsr-3778	20	1	however	however	ADV
fsr-3778	20	2	,	,	PUNCT
fsr-3778	20	3	scheld	scheld	PROPN
fsr-3778	20	4	suggests	suggest	VERB
fsr-3778	20	5	that	that	SCONJ
fsr-3778	20	6	the	the	DET
fsr-3778	20	7	apparent	apparent	ADJ
fsr-3778	20	8	improvement	improvement	NOUN
fsr-3778	20	9	in	in	ADP
fsr-3778	20	10	the	the	DET
fsr-3778	20	11	total	total	ADJ
fsr-3778	20	12	debt	debt	NOUN
fsr-3778	20	13	service	service	NOUN
fsr-3778	20	14	ratio	ratio	NOUN
fsr-3778	20	15	was	be	AUX
fsr-3778	20	16	due	due	ADJ
fsr-3778	20	17	to	to	ADP
fsr-3778	20	18	interest	interest	NOUN
fsr-3778	20	19	reductions	reduction	NOUN
fsr-3778	20	20	during	during	ADP
fsr-3778	20	21	the	the	DET
fsr-3778	20	22	recession	recession	NOUN
fsr-3778	20	23	,	,	PUNCT
fsr-3778	20	24	not	not	PART
fsr-3778	20	25	a	a	DET
fsr-3778	20	26	decline	decline	NOUN
fsr-3778	20	27	in	in	ADP
fsr-3778	20	28	the	the	DET
fsr-3778	20	29	level	level	NOUN
fsr-3778	20	30	of	of	ADP
fsr-3778	20	31	total	total	ADJ
fsr-3778	20	32	household	household	NOUN
fsr-3778	20	33	debt	debt	NOUN
fsr-3778	20	34	.	.	PUNCT
fsr-3778	21	1	further	far	ADV
fsr-3778	21	2	,	,	PUNCT
fsr-3778	21	3	consumers	consumer	NOUN
fsr-3778	21	4	have	have	AUX
fsr-3778	21	5	been	be	AUX
fsr-3778	21	6	replacing	replace	VERB
fsr-3778	21	7	traditional	traditional	ADJ
fsr-3778	21	8	credit	credit	NOUN
fsr-3778	21	9	card	card	NOUN
fsr-3778	21	10	debt	debt	NOUN
fsr-3778	21	11	and	and	CCONJ
fsr-3778	21	12	personal	personal	ADJ
fsr-3778	21	13	loans	loan	NOUN
fsr-3778	21	14	with	with	ADP
fsr-3778	21	15	less	less	ADV
fsr-3778	21	16	expensive	expensive	ADJ
fsr-3778	21	17	home	home	NOUN
fsr-3778	21	18	equity	equity	NOUN
fsr-3778	21	19	loans	loan	NOUN
fsr-3778	21	20	and	and	CCONJ
fsr-3778	21	21	lines	line	NOUN
fsr-3778	21	22	of	of	ADP
fsr-3778	21	23	credit	credit	NOUN
fsr-3778	21	24	which	which	PRON
fsr-3778	21	25	are	be	AUX
fsr-3778	21	26	classified	classify	VERB
fsr-3778	21	27	as	as	ADP
fsr-3778	21	28	home	home	NOUN
fsr-3778	21	29	mortgage	mortgage	NOUN
fsr-3778	21	30	debt	debt	NOUN
fsr-3778	21	31	.	.	PUNCT
fsr-3778	22	1	in	in	ADP
fsr-3778	22	2	addition	addition	NOUN
fsr-3778	22	3	,	,	PUNCT
fsr-3778	22	4	leases	lease	NOUN
fsr-3778	22	5	now	now	ADV
fsr-3778	22	6	account	account	VERB
fsr-3778	22	7	for	for	ADP
fsr-3778	22	8	25	25	NUM
fsr-3778	22	9	%	%	NOUN
fsr-3778	22	10	of	of	ADP
fsr-3778	22	11	new	new	ADJ
fsr-3778	22	12	car	car	NOUN
fsr-3778	22	13	purchases	purchase	NOUN
fsr-3778	22	14	(	(	PUNCT
fsr-3778	22	15	cunniff	cunniff	NOUN
fsr-3778	22	16	,	,	PUNCT
fsr-3778	22	17	1995	1995	NUM
fsr-3778	22	18	)	)	PUNCT
fsr-3778	22	19	.	.	PUNCT
fsr-3778	23	1	both	both	PRON
fsr-3778	23	2	of	of	ADP
fsr-3778	23	3	these	these	DET
fsr-3778	23	4	consumer	consumer	NOUN
fsr-3778	23	5	practices	practice	NOUN
fsr-3778	23	6	create	create	VERB
fsr-3778	23	7	debt	debt	NOUN
fsr-3778	23	8	obligations	obligation	NOUN
fsr-3778	23	9	that	that	PRON
fsr-3778	23	10	are	be	AUX
fsr-3778	23	11	unrepresented	unrepresented	ADJ
fsr-3778	23	12	in	in	ADP
fsr-3778	23	13	government	government	NOUN
fsr-3778	23	14	credit	credit	NOUN
fsr-3778	23	15	statistics	statistic	NOUN
fsr-3778	23	16	.	.	PUNCT
fsr-3778	24	1	cunniff	cunniff	NOUN
fsr-3778	24	2	(	(	PUNCT
fsr-3778	24	3	1995	1995	NUM
fsr-3778	24	4	)	)	PUNCT
fsr-3778	24	5	reports	report	VERB
fsr-3778	24	6	that	that	SCONJ
fsr-3778	24	7	consumer	consumer	NOUN
fsr-3778	24	8	installment	installment	NOUN
fsr-3778	24	9	debt	debt	NOUN
fsr-3778	24	10	increased	increase	VERB
fsr-3778	24	11	a	a	DET
fsr-3778	24	12	record	record	NOUN
fsr-3778	24	13	$	$	SYM
fsr-3778	24	14	118	118	NUM
fsr-3778	24	15	billion	billion	NUM
fsr-3778	24	16	during	during	ADP
fsr-3778	24	17	1994	1994	NUM
fsr-3778	24	18	.	.	PUNCT
fsr-3778	25	1	this	this	DET
fsr-3778	25	2	amount	amount	NOUN
fsr-3778	25	3	represents	represent	VERB
fsr-3778	25	4	17.8	17.8	NUM
fsr-3778	25	5	%	%	NOUN
fsr-3778	25	6	ofpersonal	ofpersonal	ADJ
fsr-3778	25	7	disposable	disposable	ADJ
fsr-3778	25	8	income	income	NOUN
fsr-3778	25	9	and	and	CCONJ
fsr-3778	25	10	an	an	DET
fsr-3778	25	11	even	even	ADV
fsr-3778	25	12	larger	large	ADJ
fsr-3778	25	13	estimated	estimate	VERB
fsr-3778	25	14	20	20	NUM
fsr-3778	25	15	%	%	NOUN
fsr-3778	25	16	if	if	SCONJ
fsr-3778	25	17	amounts	amount	NOUN
fsr-3778	25	18	committed	commit	VERB
fsr-3778	25	19	to	to	ADP
fsr-3778	25	20	both	both	DET
fsr-3778	25	21	auto	auto	NOUN
fsr-3778	25	22	leases	lease	NOUN
fsr-3778	25	23	and	and	CCONJ
fsr-3778	25	24	home	home	NOUN
fsr-3778	25	25	equity	equity	NOUN
fsr-3778	25	26	credit	credit	NOUN
fsr-3778	25	27	lines	line	NOUN
fsr-3778	25	28	were	be	AUX
fsr-3778	25	29	included	include	VERB
fsr-3778	25	30	.	.	PUNCT
fsr-3778	26	1	it	it	PRON
fsr-3778	26	2	is	be	AUX
fsr-3778	26	3	estimated	estimate	VERB
fsr-3778	26	4	that	that	SCONJ
fsr-3778	26	5	total	total	ADJ
fsr-3778	26	6	household	household	NOUN
fsr-3778	26	7	borrowing	borrowing	NOUN
fsr-3778	26	8	for	for	ADP
fsr-3778	26	9	consumer	consumer	NOUN
fsr-3778	26	10	debt	debt	NOUN
fsr-3778	26	11	and	and	CCONJ
fsr-3778	26	12	mortgages	mortgage	NOUN
fsr-3778	26	13	accounts	account	VERB
fsr-3778	26	14	for	for	ADP
fsr-3778	26	15	more	more	ADJ
fsr-3778	26	16	than	than	ADP
fsr-3778	26	17	90	90	NUM
fsr-3778	26	18	%	%	NOUN
fsr-3778	26	19	of	of	ADP
fsr-3778	26	20	after	after	ADP
fsr-3778	26	21	-	-	PUNCT
fsr-3778	26	22	tax	tax	NOUN
fsr-3778	26	23	income	income	NOUN
fsr-3778	26	24	.	.	PUNCT
fsr-3778	27	1	in	in	ADP
fsr-3778	27	2	comparison	comparison	NOUN
fsr-3778	27	3	,	,	PUNCT
fsr-3778	27	4	total	total	ADJ
fsr-3778	27	5	household	household	NOUN
fsr-3778	27	6	debt	debt	NOUN
fsr-3778	27	7	represented	represent	VERB
fsr-3778	27	8	about	about	ADP
fsr-3778	27	9	70	70	NUM
fsr-3778	27	10	%	%	NOUN
fsr-3778	27	11	of	of	ADP
fsr-3778	27	12	after	after	ADP
fsr-3778	27	13	-	-	PUNCT
fsr-3778	27	14	tax	tax	NOUN
fsr-3778	27	15	income	income	NOUN
fsr-3778	27	16	in	in	ADP
fsr-3778	27	17	1980	1980	NUM
fsr-3778	27	18	.	.	PUNCT
fsr-3778	28	1	while	while	SCONJ
fsr-3778	28	2	the	the	DET
fsr-3778	28	3	1980s	1980	NOUN
fsr-3778	28	4	were	be	AUX
fsr-3778	28	5	the	the	DET
fsr-3778	28	6	decade	decade	NOUN
fsr-3778	28	7	of	of	ADP
fsr-3778	28	8	debt	debt	NOUN
fsr-3778	28	9	,	,	PUNCT
fsr-3778	28	10	the	the	DET
fsr-3778	28	11	1990s	1990	NOUN
fsr-3778	28	12	have	have	AUX
fsr-3778	28	13	been	be	AUX
fsr-3778	28	14	described	describe	VERB
fsr-3778	28	15	as	as	ADP
fsr-3778	28	16	the	the	DET
fsr-3778	28	17	decade	decade	NOUN
fsr-3778	28	18	of	of	ADP
fsr-3778	28	19	repayment	repayment	NOUN
fsr-3778	28	20	(	(	PUNCT
fsr-3778	28	21	hughes	hughe	NOUN
fsr-3778	28	22	,	,	PUNCT
fsr-3778	28	23	1991	1991	NUM
fsr-3778	28	24	)	)	PUNCT
fsr-3778	28	25	.	.	PUNCT
fsr-3778	29	1	and	and	CCONJ
fsr-3778	29	2	,	,	PUNCT
fsr-3778	29	3	if	if	SCONJ
fsr-3778	29	4	consumer	consumer	NOUN
fsr-3778	29	5	borrowing	borrowing	NOUN
fsr-3778	29	6	trends	trend	NOUN
fsr-3778	29	7	continue	continue	VERB
fsr-3778	29	8	,	,	PUNCT
fsr-3778	29	9	the	the	DET
fsr-3778	29	10	1990s	1990s	NUM
fsr-3778	29	11	may	may	AUX
fsr-3778	29	12	well	well	ADV
fsr-3778	29	13	represent	represent	VERB
fsr-3778	29	14	a	a	DET
fsr-3778	29	15	decade	decade	NOUN
fsr-3778	29	16	of	of	ADP
fsr-3778	29	17	“	"	PUNCT
fsr-3778	29	18	repayment	repayment	NOUN
fsr-3778	29	19	”	"	PUNCT
fsr-3778	29	20	for	for	ADP
fsr-3778	29	21	too	too	ADV
fsr-3778	29	22	many	many	ADJ
fsr-3778	29	23	consumers	consumer	NOUN
fsr-3778	29	24	.	.	PUNCT
fsr-3778	30	1	economic	economic	ADJ
fsr-3778	30	2	conditions	condition	NOUN
fsr-3778	30	3	include	include	VERB
fsr-3778	30	4	a	a	DET
fsr-3778	30	5	slower	slow	ADJ
fsr-3778	30	6	pace	pace	NOUN
fsr-3778	30	7	of	of	ADP
fsr-3778	30	8	income	income	NOUN
fsr-3778	30	9	growth	growth	NOUN
fsr-3778	30	10	,	,	PUNCT
fsr-3778	30	11	flat	flat	ADJ
fsr-3778	30	12	housing	housing	NOUN
fsr-3778	30	13	prices	price	NOUN
fsr-3778	30	14	,	,	PUNCT
fsr-3778	30	15	and	and	CCONJ
fsr-3778	30	16	sluggish	sluggish	ADJ
fsr-3778	30	17	economic	economic	ADJ
fsr-3778	30	18	growth	growth	NOUN
fsr-3778	30	19	.	.	PUNCT
fsr-3778	31	1	fiscal	fiscal	ADJ
fsr-3778	31	2	policies	policy	NOUN
fsr-3778	31	3	in	in	ADP
fsr-3778	31	4	many	many	ADJ
fsr-3778	31	5	states	state	NOUN
fsr-3778	31	6	and	and	CCONJ
fsr-3778	31	7	localities	locality	NOUN
fsr-3778	31	8	have	have	AUX
fsr-3778	31	9	caused	cause	VERB
fsr-3778	31	10	significant	significant	ADJ
fsr-3778	31	11	tax	tax	NOUN
fsr-3778	31	12	increases	increase	NOUN
fsr-3778	31	13	.	.	PUNCT
fsr-3778	32	1	but	but	CCONJ
fsr-3778	32	2	for	for	ADP
fsr-3778	32	3	the	the	DET
fsr-3778	32	4	creditors	creditor	NOUN
fsr-3778	32	5	of	of	ADP
fsr-3778	32	6	the	the	DET
fsr-3778	32	7	increasing	increase	VERB
fsr-3778	32	8	numbers	number	NOUN
fsr-3778	32	9	of	of	ADP
fsr-3778	32	10	consumers	consumer	NOUN
fsr-3778	32	11	who	who	PRON
fsr-3778	32	12	have	have	AUX
fsr-3778	32	13	declared	declare	VERB
fsr-3778	32	14	bankruptcy	bankruptcy	NOUN
fsr-3778	32	15	,	,	PUNCT
fsr-3778	32	16	the	the	DET
fsr-3778	32	17	1990s	1990	NOUN
fsr-3778	32	18	may	may	AUX
fsr-3778	32	19	not	not	PART
fsr-3778	32	20	be	be	AUX
fsr-3778	32	21	the	the	DET
fsr-3778	32	22	decade	decade	NOUN
fsr-3778	32	23	for	for	ADP
fsr-3778	32	24	repayment	repayment	NOUN
fsr-3778	32	25	.	.	PUNCT
fsr-3778	33	1	the	the	DET
fsr-3778	33	2	number	number	NOUN
fsr-3778	33	3	of	of	ADP
fsr-3778	33	4	consumer	consumer	NOUN
fsr-3778	33	5	bankruptcy	bankruptcy	NOUN
fsr-3778	33	6	filings	filing	NOUN
fsr-3778	33	7	almost	almost	ADV
fsr-3778	33	8	tripled	triple	VERB
fsr-3778	33	9	between	between	ADP
fsr-3778	33	10	1985	1985	NUM
fsr-3778	33	11	and	and	CCONJ
fsr-3778	33	12	1991	1991	NUM
fsr-3778	33	13	,	,	PUNCT
fsr-3778	33	14	when	when	SCONJ
fsr-3778	33	15	there	there	PRON
fsr-3778	33	16	were	be	VERB
fsr-3778	33	17	943,987	943,987	NUM
fsr-3778	33	18	bankruptcies	bankruptcy	NOUN
fsr-3778	33	19	(	(	PUNCT
fsr-3778	33	20	bhandari	bhandari	PROPN
fsr-3778	33	21	&	&	CCONJ
fsr-3778	33	22	weiss	weiss	PROPN
fsr-3778	33	23	,	,	PUNCT
fsr-3778	33	24	1993	1993	NUM
fsr-3778	33	25	)	)	PUNCT
fsr-3778	33	26	.	.	PUNCT
fsr-3778	34	1	although	although	SCONJ
fsr-3778	34	2	1992	1992	NUM
fsr-3778	34	3	represented	represent	VERB
fsr-3778	34	4	a	a	DET
fsr-3778	34	5	record	record	NOUN
fsr-3778	34	6	year	year	NOUN
fsr-3778	34	7	with	with	ADP
fsr-3778	34	8	977,478	977,478	NUM
fsr-3778	34	9	filings	filing	NOUN
fsr-3778	34	10	,	,	PUNCT
fsr-3778	34	11	the	the	DET
fsr-3778	34	12	rate	rate	NOUN
fsr-3778	34	13	of	of	ADP
fsr-3778	34	14	increase	increase	NOUN
fsr-3778	34	15	slowed	slow	VERB
fsr-3778	34	16	to	to	ADP
fsr-3778	34	17	6.4	6.4	NUM
fsr-3778	34	18	%	%	NOUN
fsr-3778	34	19	,	,	PUNCT
fsr-3778	34	20	compared	compare	VERB
fsr-3778	34	21	to	to	ADP
fsr-3778	34	22	the	the	DET
fsr-3778	34	23	22.5	22.5	NUM
fsr-3778	34	24	%	%	NOUN
fsr-3778	34	25	increase	increase	NOUN
fsr-3778	34	26	from	from	ADP
fsr-3778	34	27	1990	1990	NUM
fsr-3778	34	28	to	to	ADP
fsr-3778	34	29	1991	1991	NUM
fsr-3778	34	30	(	(	PUNCT
fsr-3778	34	31	singletary	singletary	PROPN
fsr-3778	34	32	,	,	PUNCT
fsr-3778	34	33	1993	1993	NUM
fsr-3778	34	34	)	)	PUNCT
fsr-3778	34	35	.	.	PUNCT
fsr-3778	35	1	of	of	ADP
fsr-3778	35	2	the	the	DET
fsr-3778	35	3	1992	1992	NUM
fsr-3778	35	4	filings	filing	NOUN
fsr-3778	35	5	,	,	PUNCT
fsr-3778	35	6	92.6	92.6	NUM
fsr-3778	35	7	%	%	NOUN
fsr-3778	35	8	were	be	AUX
fsr-3778	35	9	personal	personal	ADJ
fsr-3778	35	10	bankruptcies	bankruptcy	NOUN
fsr-3778	35	11	.	.	PUNCT
fsr-3778	36	1	filings	filing	NOUN
fsr-3778	36	2	decreased	decrease	VERB
fsr-3778	36	3	in	in	ADP
fsr-3778	36	4	1993	1993	NUM
fsr-3778	36	5	for	for	ADP
fsr-3778	36	6	the	the	DET
fsr-3778	36	7	first	first	ADJ
fsr-3778	36	8	time	time	NOUN
fsr-3778	36	9	since	since	SCONJ
fsr-3778	36	10	1984	1984	NUM
fsr-3778	36	11	.	.	PUNCT
fsr-3778	37	1	the	the	DET
fsr-3778	37	2	increased	increase	VERB
fsr-3778	37	3	bankruptcy	bankruptcy	NOUN
fsr-3778	37	4	filing	filing	NOUN
fsr-3778	37	5	rate	rate	NOUN
fsr-3778	37	6	has	have	AUX
fsr-3778	37	7	generated	generate	VERB
fsr-3778	37	8	concern	concern	NOUN
fsr-3778	37	9	among	among	ADP
fsr-3778	37	10	creditors	creditor	NOUN
fsr-3778	37	11	,	,	PUNCT
fsr-3778	37	12	legislators	legislator	NOUN
fsr-3778	37	13	,	,	PUNCT
fsr-3778	37	14	and	and	CCONJ
fsr-3778	37	15	regulators	regulator	NOUN
fsr-3778	37	16	responsible	responsible	ADJ
fsr-3778	37	17	for	for	ADP
fsr-3778	37	18	laws	law	NOUN
fsr-3778	37	19	governing	govern	VERB
fsr-3778	37	20	the	the	DET
fsr-3778	37	21	bankruptcy	bankruptcy	NOUN
fsr-3778	37	22	process	process	NOUN
fsr-3778	37	23	.	.	PUNCT
fsr-3778	38	1	but	but	CCONJ
fsr-3778	38	2	the	the	DET
fsr-3778	38	3	study	study	NOUN
fsr-3778	38	4	of	of	ADP
fsr-3778	38	5	household	household	NOUN
fsr-3778	38	6	insolvency	insolvency	NOUN
fsr-3778	38	7	goes	go	VERB
fsr-3778	38	8	beyond	beyond	ADP
fsr-3778	38	9	concerns	concern	NOUN
fsr-3778	38	10	over	over	ADP
fsr-3778	38	11	increasing	increase	VERB
fsr-3778	38	12	debt	debt	NOUN
fsr-3778	38	13	levels	level	NOUN
fsr-3778	38	14	and	and	CCONJ
fsr-3778	38	15	bankruptcy	bankruptcy	NOUN
fsr-3778	38	16	filings	filing	NOUN
fsr-3778	38	17	.	.	PUNCT
fsr-3778	39	1	insolvency	insolvency	NOUN
fsr-3778	39	2	,	,	PUNCT
fsr-3778	39	3	like	like	ADP
fsr-3778	39	4	debt	debt	NOUN
fsr-3778	39	5	,	,	PUNCT
fsr-3778	39	6	has	have	AUX
fsr-3778	39	7	“	"	PUNCT
fsr-3778	39	8	carrying	carry	VERB
fsr-3778	39	9	charges	charge	NOUN
fsr-3778	39	10	”	"	PUNCT
fsr-3778	39	11	of	of	ADP
fsr-3778	39	12	direct	direct	ADJ
fsr-3778	39	13	and	and	CCONJ
fsr-3778	39	14	indirect	indirect	ADJ
fsr-3778	39	15	costs	cost	NOUN
fsr-3778	39	16	.	.	PUNCT
fsr-3778	40	1	for	for	ADP
fsr-3778	40	2	consumers	consumer	NOUN
fsr-3778	40	3	who	who	PRON
fsr-3778	40	4	are	be	AUX
fsr-3778	40	5	delinquent	delinquent	ADJ
fsr-3778	40	6	,	,	PUNCT
fsr-3778	40	7	late	late	ADJ
fsr-3778	40	8	fees	fee	NOUN
fsr-3778	40	9	and	and	CCONJ
fsr-3778	40	10	other	other	ADJ
fsr-3778	40	11	collection	collection	NOUN
fsr-3778	40	12	costs	cost	NOUN
fsr-3778	40	13	simply	simply	ADV
fsr-3778	40	14	add	add	VERB
fsr-3778	40	15	to	to	ADP
fsr-3778	40	16	liabilities	liability	NOUN
fsr-3778	40	17	that	that	PRON
fsr-3778	40	18	are	be	AUX
fsr-3778	40	19	already	already	ADV
fsr-3778	40	20	not	not	PART
fsr-3778	40	21	being	be	AUX
fsr-3778	40	22	reduced	reduce	VERB
fsr-3778	40	23	.	.	PUNCT
fsr-3778	41	1	although	although	SCONJ
fsr-3778	41	2	the	the	DET
fsr-3778	41	3	intent	intent	NOUN
fsr-3778	41	4	of	of	ADP
fsr-3778	41	5	a	a	DET
fsr-3778	41	6	bankruptcy	bankruptcy	NOUN
fsr-3778	41	7	filing	filing	NOUN
fsr-3778	41	8	is	be	AUX
fsr-3778	41	9	to	to	PART
fsr-3778	41	10	give	give	VERB
fsr-3778	41	11	people	people	NOUN
fsr-3778	41	12	a	a	DET
fsr-3778	41	13	“	"	PUNCT
fsr-3778	41	14	fresh	fresh	ADJ
fsr-3778	41	15	start	start	NOUN
fsr-3778	41	16	,	,	PUNCT
fsr-3778	41	17	”	"	PUNCT
fsr-3778	41	18	filing	filing	NOUN
fsr-3778	41	19	fees	fee	NOUN
fsr-3778	41	20	,	,	PUNCT
fsr-3778	41	21	loss	loss	NOUN
fsr-3778	41	22	of	of	ADP
fsr-3778	41	23	assets	asset	NOUN
fsr-3778	41	24	,	,	PUNCT
fsr-3778	41	25	inability	inability	NOUN
fsr-3778	41	26	to	to	PART
fsr-3778	41	27	use	use	VERB
fsr-3778	41	28	credit	credit	NOUN
fsr-3778	41	29	for	for	ADP
fsr-3778	41	30	a	a	DET
fsr-3778	41	31	period	period	NOUN
fsr-3778	41	32	of	of	ADP
fsr-3778	41	33	time	time	NOUN
fsr-3778	41	34	,	,	PUNCT
fsr-3778	41	35	and	and	CCONJ
fsr-3778	41	36	the	the	DET
fsr-3778	41	37	stigma	stigma	NOUN
fsr-3778	41	38	of	of	ADP
fsr-3778	41	39	having	having	AUX
fsr-3778	41	40	declared	declare	VERB
fsr-3778	41	41	bankruptcy	bankruptcy	NOUN
fsr-3778	41	42	can	can	AUX
fsr-3778	41	43	not	not	PART
fsr-3778	41	44	be	be	AUX
fsr-3778	41	45	ignored	ignore	VERB
fsr-3778	41	46	.	.	PUNCT
fsr-3778	42	1	these	these	PRON
fsr-3778	42	2	represent	represent	VERB
fsr-3778	42	3	direct	direct	ADJ
fsr-3778	42	4	costs	cost	NOUN
fsr-3778	42	5	for	for	ADP
fsr-3778	42	6	the	the	DET
fsr-3778	42	7	use	use	NOUN
fsr-3778	42	8	and	and	CCONJ
fsr-3778	42	9	abuse	abuse	NOUN
fsr-3778	42	10	of	of	ADP
fsr-3778	42	11	credit	credit	NOUN
fsr-3778	42	12	.	.	PUNCT
fsr-3778	43	1	there	there	PRON
fsr-3778	43	2	are	be	VERB
fsr-3778	43	3	also	also	ADV
fsr-3778	43	4	indirect	indirect	ADJ
fsr-3778	43	5	personal	personal	ADJ
fsr-3778	43	6	,	,	PUNCT
fsr-3778	43	7	emotional	emotional	ADJ
fsr-3778	43	8	,	,	PUNCT
fsr-3778	43	9	and	and	CCONJ
fsr-3778	43	10	psychological	psychological	ADJ
fsr-3778	43	11	costs	cost	NOUN
fsr-3778	43	12	which	which	PRON
fsr-3778	43	13	are	be	AUX
fsr-3778	43	14	beyond	beyond	ADP
fsr-3778	43	15	the	the	DET
fsr-3778	43	16	scope	scope	NOUN
fsr-3778	43	17	of	of	ADP
fsr-3778	43	18	this	this	DET
fsr-3778	43	19	analysis	analysis	NOUN
fsr-3778	43	20	.	.	PUNCT
fsr-3778	44	1	for	for	ADP
fsr-3778	44	2	businesses	business	NOUN
fsr-3778	44	3	,	,	PUNCT
fsr-3778	44	4	the	the	DET
fsr-3778	44	5	cost	cost	NOUN
fsr-3778	44	6	of	of	ADP
fsr-3778	44	7	doing	do	VERB
fsr-3778	44	8	business	business	NOUN
fsr-3778	44	9	is	be	AUX
fsr-3778	44	10	affected	affect	VERB
fsr-3778	44	11	.	.	PUNCT
fsr-3778	45	1	insolvent	insolvent	ADJ
fsr-3778	45	2	households	household	NOUN
fsr-3778	45	3	directly	directly	ADV
fsr-3778	45	4	impact	impact	VERB
fsr-3778	45	5	the	the	DET
fsr-3778	45	6	“	"	PUNCT
fsr-3778	45	7	write	write	VERB
fsr-3778	45	8	-	-	PUNCT
fsr-3778	45	9	off	off	ADP
fsr-3778	45	10	rate	rate	NOUN
fsr-3778	45	11	”	"	PUNCT
fsr-3778	45	12	and	and	CCONJ
fsr-3778	45	13	the	the	DET
fsr-3778	45	14	profit	profit	NOUN
fsr-3778	45	15	margin	margin	NOUN
fsr-3778	45	16	.	.	PUNCT
fsr-3778	46	1	for	for	ADP
fsr-3778	46	2	example	example	NOUN
fsr-3778	46	3	,	,	PUNCT
fsr-3778	46	4	an	an	DET
fsr-3778	46	5	american	american	ADJ
fsr-3778	46	6	banking	banking	PROPN
fsr-3778	46	7	association	association	PROPN
fsr-3778	46	8	survey	survey	NOUN
fsr-3778	46	9	revealed	reveal	VERB
fsr-3778	46	10	that	that	SCONJ
fsr-3778	46	11	25	25	NUM
fsr-3778	46	12	%	%	NOUN
fsr-3778	46	13	to	to	PART
fsr-3778	46	14	30	30	NUM
fsr-3778	46	15	%	%	NOUN
fsr-3778	46	16	of	of	ADP
fsr-3778	46	17	all	all	DET
fsr-3778	46	18	bank	bank	NOUN
fsr-3778	46	19	consumer	consumer	NOUN
fsr-3778	46	20	credit	credit	NOUN
fsr-3778	46	21	losses	loss	NOUN
fsr-3778	46	22	resulted	result	VERB
fsr-3778	46	23	from	from	ADP
fsr-3778	46	24	bankruptcy	bankruptcy	NOUN
fsr-3778	46	25	(	(	PUNCT
fsr-3778	46	26	“	"	PUNCT
fsr-3778	46	27	easing	ease	VERB
fsr-3778	46	28	borrowers	borrower	NOUN
fsr-3778	46	29	,	,	PUNCT
fsr-3778	46	30	”	"	PUNCT
fsr-3778	46	31	1990	1990	NUM
fsr-3778	46	32	)	)	PUNCT
fsr-3778	46	33	.	.	PUNCT
fsr-3778	47	1	according	accord	VERB
fsr-3778	47	2	to	to	ADP
fsr-3778	47	3	the	the	DET
fsr-3778	47	4	credit	credit	NOUN
fsr-3778	47	5	union	union	PROPN
fsr-3778	47	6	national	national	PROPN
fsr-3778	47	7	association	association	PROPN
fsr-3778	47	8	(	(	PUNCT
fsr-3778	47	9	“	"	PUNCT
fsr-3778	47	10	bankruptcy	bankruptcy	NOUN
fsr-3778	47	11	reform	reform	NOUN
fsr-3778	47	12	,	,	PUNCT
fsr-3778	47	13	”	"	PUNCT
fsr-3778	47	14	1995	1995	NUM
fsr-3778	47	15	)	)	PUNCT
fsr-3778	47	16	,	,	PUNCT
fsr-3778	47	17	credit	credit	NOUN
fsr-3778	47	18	unions	union	NOUN
fsr-3778	47	19	lost	lose	VERB
fsr-3778	47	20	$	$	SYM
fsr-3778	47	21	710	710	NUM
fsr-3778	47	22	million	million	NUM
fsr-3778	47	23	in	in	ADP
fsr-3778	47	24	1993	1993	NUM
fsr-3778	47	25	,	,	PUNCT
fsr-3778	47	26	a	a	DET
fsr-3778	47	27	loss	loss	NOUN
fsr-3778	47	28	approximately	approximately	ADV
fsr-3778	47	29	150	150	NUM
fsr-3778	47	30	%	%	NOUN
fsr-3778	47	31	higher	high	ADJ
fsr-3778	47	32	than	than	ADP
fsr-3778	47	33	nine	nine	NUM
fsr-3778	47	34	years	year	NOUN
fsr-3778	47	35	earlier	early	ADV
fsr-3778	47	36	.	.	PUNCT
fsr-3778	48	1	businesses	business	NOUN
fsr-3778	48	2	are	be	AUX
fsr-3778	48	3	replacing	replace	VERB
fsr-3778	48	4	in	in	ADP
fsr-3778	48	5	-	-	PUNCT
fsr-3778	48	6	house	house	NOUN
fsr-3778	48	7	review	review	NOUN
fsr-3778	48	8	household	household	NOUN
fsr-3778	48	9	insolvency	insolvency	NOUN
fsr-3778	48	10	:	:	PUNCT
fsr-3778	48	11	debt	debt	NOUN
fsr-3778	48	12	repayment	repayment	NOUN
fsr-3778	48	13	,	,	PUNCT
fsr-3778	48	14	de	de	X
fsr-3778	48	15	~	~	NOUN
fsr-3778	48	16	nqueney	nqueney	NOUN
fsr-3778	48	17	,	,	PUNCT
fsr-3778	48	18	nnd	nnd	ADJ
fsr-3778	48	19	buukr~~y	buukr~~y	NOUN
fsr-3778	48	20	139	139	NUM
fsr-3778	48	21	of	of	ADP
fsr-3778	48	22	customer	customer	NOUN
fsr-3778	48	23	applications	application	NOUN
fsr-3778	48	24	with	with	ADP
fsr-3778	48	25	sophisticated	sophisticated	ADJ
fsr-3778	48	26	customer	customer	NOUN
fsr-3778	48	27	screening	screen	VERB
fsr-3778	48	28	services	service	NOUN
fsr-3778	48	29	provided	provide	VERB
fsr-3778	48	30	by	by	ADP
fsr-3778	48	31	credit	credit	NOUN
fsr-3778	48	32	bureaus	bureau	NOUN
fsr-3778	48	33	to	to	PART
fsr-3778	48	34	protect	protect	VERB
fsr-3778	48	35	against	against	ADP
fsr-3778	48	36	potentially	potentially	ADV
fsr-3778	48	37	delinquent	delinquent	ADJ
fsr-3778	48	38	or	or	CCONJ
fsr-3778	48	39	fraudulent	fraudulent	ADJ
fsr-3778	48	40	accounts	account	NOUN
fsr-3778	48	41	.	.	PUNCT
fsr-3778	49	1	furthermore	furthermore	ADV
fsr-3778	49	2	,	,	PUNCT
fsr-3778	49	3	these	these	DET
fsr-3778	49	4	costs	cost	NOUN
fsr-3778	49	5	for	for	ADP
fsr-3778	49	6	losses	loss	NOUN
fsr-3778	49	7	and	and	CCONJ
fsr-3778	49	8	operation	operation	NOUN
fsr-3778	49	9	are	be	AUX
fsr-3778	49	10	indirectly	indirectly	ADV
fsr-3778	49	11	passed	pass	VERB
fsr-3778	49	12	on	on	ADP
fsr-3778	49	13	to	to	ADP
fsr-3778	49	14	consumers	consumer	NOUN
fsr-3778	49	15	.	.	PUNCT
fsr-3778	50	1	this	this	PRON
fsr-3778	50	2	represents	represent	VERB
fsr-3778	50	3	an	an	DET
fsr-3778	50	4	increase	increase	NOUN
fsr-3778	50	5	in	in	ADP
fsr-3778	50	6	cost	cost	NOUN
fsr-3778	50	7	for	for	ADP
fsr-3778	50	8	those	those	PRON
fsr-3778	50	9	who	who	PRON
fsr-3778	50	10	pay	pay	VERB
fsr-3778	50	11	on	on	ADP
fsr-3778	50	12	time	time	NOUN
fsr-3778	50	13	as	as	ADV
fsr-3778	50	14	well	well	ADV
fsr-3778	50	15	as	as	ADP
fsr-3778	50	16	for	for	ADP
fsr-3778	50	17	those	those	PRON
fsr-3778	50	18	who	who	PRON
fsr-3778	50	19	do	do	VERB
fsr-3778	50	20	not	not	PART
fsr-3778	50	21	.	.	PUNCT
fsr-3778	51	1	a	a	DET
fsr-3778	51	2	further	further	ADJ
fsr-3778	51	3	concern	concern	NOUN
fsr-3778	51	4	is	be	AUX
fsr-3778	51	5	the	the	DET
fsr-3778	51	6	fraudulent	fraudulent	ADJ
fsr-3778	51	7	or	or	CCONJ
fsr-3778	51	8	abusive	abusive	ADJ
fsr-3778	51	9	use	use	NOUN
fsr-3778	51	10	of	of	ADP
fsr-3778	51	11	bankruptcy	bankruptcy	NOUN
fsr-3778	51	12	filings	filing	NOUN
fsr-3778	51	13	by	by	ADP
fsr-3778	51	14	some	some	DET
fsr-3778	51	15	consumers	consumer	NOUN
fsr-3778	51	16	.	.	PUNCT
fsr-3778	52	1	finally	finally	ADV
fsr-3778	52	2	,	,	PUNCT
fsr-3778	52	3	there	there	PRON
fsr-3778	52	4	is	be	VERB
fsr-3778	52	5	potentially	potentially	ADV
fsr-3778	52	6	a	a	DET
fsr-3778	52	7	much	much	ADV
fsr-3778	52	8	larger	large	ADJ
fsr-3778	52	9	cost	cost	NOUN
fsr-3778	52	10	to	to	ADP
fsr-3778	52	11	society	society	NOUN
fsr-3778	52	12	when	when	SCONJ
fsr-3778	52	13	the	the	DET
fsr-3778	52	14	economy	economy	NOUN
fsr-3778	52	15	is	be	AUX
fsr-3778	52	16	fueled	fuel	VERB
fsr-3778	52	17	through	through	ADP
fsr-3778	52	18	consumer	consumer	NOUN
fsr-3778	52	19	spending	spending	NOUN
fsr-3778	52	20	on	on	ADP
fsr-3778	52	21	credit	credit	NOUN
fsr-3778	52	22	with	with	ADP
fsr-3778	52	23	little	little	ADJ
fsr-3778	52	24	or	or	CCONJ
fsr-3778	52	25	no	no	PRON
fsr-3778	52	26	associated	associated	ADJ
fsr-3778	52	27	savings	saving	NOUN
fsr-3778	52	28	to	to	PART
fsr-3778	52	29	provide	provide	VERB
fsr-3778	52	30	capital	capital	NOUN
fsr-3778	52	31	for	for	ADP
fsr-3778	52	32	future	future	ADJ
fsr-3778	52	33	investment	investment	NOUN
fsr-3778	52	34	in	in	ADP
fsr-3778	52	35	sustained	sustained	ADJ
fsr-3778	52	36	economic	economic	ADJ
fsr-3778	52	37	growth	growth	NOUN
fsr-3778	52	38	.	.	PUNCT
fsr-3778	53	1	as	as	ADP
fsr-3778	53	2	a	a	DET
fsr-3778	53	3	percentage	percentage	NOUN
fsr-3778	53	4	of	of	ADP
fsr-3778	53	5	national	national	ADJ
fsr-3778	53	6	output	output	NOUN
fsr-3778	53	7	,	,	PUNCT
fsr-3778	53	8	savings	saving	NOUN
fsr-3778	53	9	has	have	AUX
fsr-3778	53	10	steadily	steadily	ADV
fsr-3778	53	11	declined	decline	VERB
fsr-3778	53	12	from	from	ADP
fsr-3778	53	13	12.3	12.3	NUM
fsr-3778	53	14	%	%	NOUN
fsr-3778	53	15	in	in	ADP
fsr-3778	53	16	1950	1950	NUM
fsr-3778	53	17	to	to	ADP
fsr-3778	53	18	approximately	approximately	ADV
fsr-3778	53	19	2.4	2.4	NUM
fsr-3778	53	20	%	%	NOUN
fsr-3778	53	21	in	in	ADP
fsr-3778	53	22	the	the	DET
fsr-3778	53	23	1990s	1990	NOUN
fsr-3778	53	24	(	(	PUNCT
fsr-3778	53	25	cunniff	cunniff	NOUN
fsr-3778	53	26	,	,	PUNCT
fsr-3778	53	27	1995b	1995b	NUM
fsr-3778	53	28	)	)	PUNCT
fsr-3778	53	29	.	.	PUNCT
fsr-3778	54	1	in	in	ADP
fsr-3778	54	2	summary	summary	NOUN
fsr-3778	54	3	,	,	PUNCT
fsr-3778	54	4	the	the	DET
fsr-3778	54	5	nuances	nuance	NOUN
fsr-3778	54	6	of	of	ADP
fsr-3778	54	7	applying	apply	VERB
fsr-3778	54	8	and	and	CCONJ
fsr-3778	54	9	interpreting	interpret	VERB
fsr-3778	54	10	the	the	DET
fsr-3778	54	11	concept	concept	NOUN
fsr-3778	54	12	of	of	ADP
fsr-3778	54	13	insolvency	insolvency	NOUN
fsr-3778	54	14	to	to	ADP
fsr-3778	54	15	a	a	DET
fsr-3778	54	16	household	household	NOUN
fsr-3778	54	17	financial	financial	ADJ
fsr-3778	54	18	situation	situation	NOUN
fsr-3778	54	19	should	should	AUX
fsr-3778	54	20	be	be	AUX
fsr-3778	54	21	of	of	ADP
fsr-3778	54	22	concern	concern	NOUN
fsr-3778	54	23	to	to	ADP
fsr-3778	54	24	financial	financial	ADJ
fsr-3778	54	25	professionals	professional	NOUN
fsr-3778	54	26	and	and	CCONJ
fsr-3778	54	27	to	to	ADP
fsr-3778	54	28	policy	policy	NOUN
fsr-3778	54	29	makers	maker	NOUN
fsr-3778	54	30	in	in	ADP
fsr-3778	54	31	business	business	NOUN
fsr-3778	54	32	and	and	CCONJ
fsr-3778	54	33	government	government	NOUN
fsr-3778	54	34	,	,	PUNCT
fsr-3778	54	35	as	as	ADV
fsr-3778	54	36	well	well	ADV
fsr-3778	54	37	as	as	ADP
fsr-3778	54	38	to	to	ADP
fsr-3778	54	39	individual	individual	ADJ
fsr-3778	54	40	consumers	consumer	NOUN
fsr-3778	54	41	.	.	PUNCT
fsr-3778	55	1	the	the	DET
fsr-3778	55	2	remainder	remainder	NOUN
fsr-3778	55	3	of	of	ADP
fsr-3778	55	4	this	this	DET
fsr-3778	55	5	article	article	NOUN
fsr-3778	55	6	provides	provide	VERB
fsr-3778	55	7	additional	additional	ADJ
fsr-3778	55	8	background	background	NOUN
fsr-3778	55	9	on	on	ADP
fsr-3778	55	10	insolvency	insolvency	NOUN
fsr-3778	55	11	and	and	CCONJ
fsr-3778	55	12	bankruptcy	bankruptcy	NOUN
fsr-3778	55	13	then	then	ADV
fsr-3778	55	14	addresses	address	VERB
fsr-3778	55	15	the	the	DET
fsr-3778	55	16	following	following	ADJ
fsr-3778	55	17	questions	question	NOUN
fsr-3778	55	18	:	:	PUNCT
fsr-3778	56	1	l	l	NOUN
fsr-3778	56	2	what	what	PRON
fsr-3778	56	3	theoretical	theoretical	ADJ
fsr-3778	56	4	or	or	CCONJ
fsr-3778	56	5	empirical	empirical	ADJ
fsr-3778	56	6	evidence	evidence	NOUN
fsr-3778	56	7	is	be	AUX
fsr-3778	56	8	available	available	ADJ
fsr-3778	56	9	to	to	PART
fsr-3778	56	10	explain	explain	VERB
fsr-3778	56	11	insolvency	insolvency	NOUN
fsr-3778	56	12	?	?	PUNCT
fsr-3778	57	1	*	*	PUNCT
fsr-3778	57	2	what	what	PRON
fsr-3778	57	3	predictive	predictive	ADJ
fsr-3778	57	4	models	model	NOUN
fsr-3778	57	5	are	be	AUX
fsr-3778	57	6	available	available	ADJ
fsr-3778	57	7	for	for	ADP
fsr-3778	57	8	use	use	NOUN
fsr-3778	57	9	by	by	ADP
fsr-3778	57	10	businesses	business	NOUN
fsr-3778	57	11	for	for	ADP
fsr-3778	57	12	customer	customer	NOUN
fsr-3778	57	13	screening	screening	NOUN
fsr-3778	57	14	and	and	CCONJ
fsr-3778	57	15	by	by	ADP
fsr-3778	57	16	financial	financial	ADJ
fsr-3778	57	17	professionals	professional	NOUN
fsr-3778	57	18	who	who	PRON
fsr-3778	57	19	assist	assist	VERB
fsr-3778	57	20	consumers	consumer	NOUN
fsr-3778	57	21	?	?	PUNCT
fsr-3778	58	1	l	l	NOUN
fsr-3778	58	2	what	what	PRON
fsr-3778	58	3	are	be	AUX
fsr-3778	58	4	the	the	DET
fsr-3778	58	5	implications	implication	NOUN
fsr-3778	58	6	for	for	ADP
fsr-3778	58	7	credit	credit	NOUN
fsr-3778	58	8	grantors	grantor	NOUN
fsr-3778	58	9	,	,	PUNCT
fsr-3778	58	10	financial	financial	ADJ
fsr-3778	58	11	professionals	professional	NOUN
fsr-3778	58	12	,	,	PUNCT
fsr-3778	58	13	and	and	CCONJ
fsr-3778	58	14	consumers	consumer	NOUN
fsr-3778	58	15	?	?	PUNCT
fsr-3778	59	1	ii	ii	PROPN
fsr-3778	59	2	.	.	PUNCT
fsr-3778	60	1	background	background	NOUN
fsr-3778	60	2	the	the	DET
fsr-3778	60	3	condition	condition	NOUN
fsr-3778	60	4	of	of	ADP
fsr-3778	60	5	insolvency	insolvency	NOUN
fsr-3778	60	6	is	be	AUX
fsr-3778	60	7	contrary	contrary	ADJ
fsr-3778	60	8	to	to	ADP
fsr-3778	60	9	the	the	DET
fsr-3778	60	10	accounting	accounting	NOUN
fsr-3778	60	11	concept	concept	NOUN
fsr-3778	60	12	of	of	ADP
fsr-3778	60	13	“	"	PUNCT
fsr-3778	60	14	a	a	DET
fsr-3778	60	15	going	go	VERB
fsr-3778	60	16	concern	concern	NOUN
fsr-3778	60	17	”	"	PUNCT
fsr-3778	60	18	or	or	CCONJ
fsr-3778	60	19	the	the	DET
fsr-3778	60	20	idea	idea	NOUN
fsr-3778	60	21	of	of	ADP
fsr-3778	60	22	a	a	DET
fsr-3778	60	23	business	business	NOUN
fsr-3778	60	24	functioning	function	VERB
fsr-3778	60	25	for	for	ADP
fsr-3778	60	26	an	an	DET
fsr-3778	60	27	indefinite	indefinite	ADJ
fsr-3778	60	28	future	future	NOUN
fsr-3778	60	29	.	.	PUNCT
fsr-3778	61	1	rlost	rlost	ADJ
fsr-3778	61	2	households	household	NOUN
fsr-3778	61	3	are	be	AUX
fsr-3778	61	4	not	not	PART
fsr-3778	61	5	viewed	view	VERB
fsr-3778	61	6	as	as	ADP
fsr-3778	61	7	“	"	PUNCT
fsr-3778	61	8	going	go	VERB
fsr-3778	61	9	concerns	concern	NOUN
fsr-3778	61	10	,	,	PUNCT
fsr-3778	61	11	”	"	PUNCT
fsr-3778	61	12	although	although	SCONJ
fsr-3778	61	13	planning	plan	VERB
fsr-3778	61	14	to	to	PART
fsr-3778	61	15	provide	provide	VERB
fsr-3778	61	16	for	for	ADP
fsr-3778	61	17	later	later	ADJ
fsr-3778	61	18	retirement	retirement	NOUN
fsr-3778	61	19	or	or	CCONJ
fsr-3778	61	20	an	an	DET
fsr-3778	61	21	estate	estate	NOUN
fsr-3778	61	22	for	for	ADP
fsr-3778	61	23	future	future	ADJ
fsr-3778	61	24	generations	generation	NOUN
fsr-3778	61	25	are	be	AUX
fsr-3778	61	26	reasons	reason	NOUN
fsr-3778	61	27	to	to	PART
fsr-3778	61	28	save	save	VERB
fsr-3778	61	29	or	or	CCONJ
fsr-3778	61	30	realize	realize	VERB
fsr-3778	61	31	a	a	DET
fsr-3778	61	32	positive	positive	ADJ
fsr-3778	61	33	net	net	ADJ
fsr-3778	61	34	worth	worth	NOUN
fsr-3778	61	35	.	.	PUNCT
fsr-3778	62	1	furthermore	furthermore	ADV
fsr-3778	62	2	,	,	PUNCT
fsr-3778	62	3	while	while	SCONJ
fsr-3778	62	4	an	an	DET
fsr-3778	62	5	insolvent	insolvent	ADJ
fsr-3778	62	6	business	business	NOUN
fsr-3778	62	7	might	might	AUX
fsr-3778	62	8	cease	cease	VERB
fsr-3778	62	9	to	to	PART
fsr-3778	62	10	exist	exist	VERB
fsr-3778	62	11	,	,	PUNCT
fsr-3778	62	12	dissolution	dissolution	NOUN
fsr-3778	62	13	of	of	ADP
fsr-3778	62	14	a	a	DET
fsr-3778	62	15	household	household	NOUN
fsr-3778	62	16	due	due	ADP
fsr-3778	62	17	to	to	ADP
fsr-3778	62	18	insolvency	insolvency	NOUN
fsr-3778	62	19	is	be	AUX
fsr-3778	62	20	not	not	PART
fsr-3778	62	21	a	a	DET
fsr-3778	62	22	viable	viable	ADJ
fsr-3778	62	23	alternative	alternative	NOUN
fsr-3778	62	24	.	.	PUNCT
fsr-3778	63	1	although	although	SCONJ
fsr-3778	63	2	children	child	NOUN
fsr-3778	63	3	grow	grow	VERB
fsr-3778	63	4	up	up	ADP
fsr-3778	63	5	and	and	CCONJ
fsr-3778	63	6	leave	leave	VERB
fsr-3778	63	7	home	home	NOUN
fsr-3778	63	8	and	and	CCONJ
fsr-3778	63	9	parents	parent	NOUN
fsr-3778	63	10	divorce	divorce	NOUN
fsr-3778	63	11	,	,	PUNCT
fsr-3778	63	12	the	the	DET
fsr-3778	63	13	family	family	NOUN
fsr-3778	63	14	,	,	PUNCT
fsr-3778	63	15	or	or	CCONJ
fsr-3778	63	16	an	an	DET
fsr-3778	63	17	individual	individual	NOUN
fsr-3778	63	18	,	,	PUNCT
fsr-3778	63	19	must	must	AUX
fsr-3778	63	20	continue	continue	VERB
fsr-3778	63	21	to	to	PART
fsr-3778	63	22	function	function	VERB
fsr-3778	63	23	as	as	ADP
fsr-3778	63	24	an	an	DET
fsr-3778	63	25	economic	economic	ADJ
fsr-3778	63	26	and	and	CCONJ
fsr-3778	63	27	financial	financial	ADJ
fsr-3778	63	28	unit	unit	NOUN
fsr-3778	63	29	.	.	PUNCT
fsr-3778	64	1	insolvency	insolvency	NOUN
fsr-3778	64	2	is	be	AUX
fsr-3778	64	3	often	often	ADV
fsr-3778	64	4	associated	associate	VERB
fsr-3778	64	5	with	with	ADP
fsr-3778	64	6	bankmptcy	bankmptcy	NOUN
fsr-3778	64	7	,	,	PUNCT
fsr-3778	64	8	although	although	SCONJ
fsr-3778	64	9	insolvency	insolvency	NOUN
fsr-3778	64	10	,	,	PUNCT
fsr-3778	64	11	in	in	ADP
fsr-3778	64	12	the	the	DET
fsr-3778	64	13	literal	literal	ADJ
fsr-3778	64	14	sense	sense	NOUN
fsr-3778	64	15	of	of	ADP
fsr-3778	64	16	a	a	DET
fsr-3778	64	17	negative	negative	ADJ
fsr-3778	64	18	net	net	ADJ
fsr-3778	64	19	worth	worth	NOUN
fsr-3778	64	20	,	,	PUNCT
fsr-3778	64	21	is	be	AUX
fsr-3778	64	22	not	not	PART
fsr-3778	64	23	a	a	DET
fsr-3778	64	24	r	r	NOUN
fsr-3778	64	25	~	~	NOUN
fsr-3778	64	26	uirement	uirement	NOUN
fsr-3778	64	27	for	for	ADP
fsr-3778	64	28	bankruptcy	bankruptcy	NOUN
fsr-3778	64	29	filing	filing	NOUN
fsr-3778	64	30	.	.	PUNCT
fsr-3778	65	1	historically	historically	ADV
fsr-3778	65	2	,	,	PUNCT
fsr-3778	65	3	the	the	DET
fsr-3778	65	4	terms	term	NOUN
fsr-3778	65	5	insolvency	insolvency	NOUN
fsr-3778	65	6	and	and	CCONJ
fsr-3778	65	7	bankruptcy	bankruptcy	NOUN
fsr-3778	65	8	represented	represent	VERB
fsr-3778	65	9	different	different	ADJ
fsr-3778	65	10	bodies	body	NOUN
fsr-3778	65	11	of	of	ADP
fsr-3778	65	12	english	english	ADJ
fsr-3778	65	13	law	law	NOUN
fsr-3778	65	14	and	and	CCONJ
fsr-3778	65	15	different	different	ADJ
fsr-3778	65	16	attitudes	attitude	NOUN
fsr-3778	65	17	toward	toward	ADP
fsr-3778	65	18	creditors	creditor	NOUN
fsr-3778	65	19	.	.	PUNCT
fsr-3778	66	1	bankruptcy	bankruptcy	NOUN
fsr-3778	66	2	was	be	AUX
fsr-3778	66	3	an	an	DET
fsr-3778	66	4	involuntary	involuntary	ADJ
fsr-3778	66	5	procedure	procedure	NOUN
fsr-3778	66	6	designed	design	VERB
fsr-3778	66	7	to	to	PART
fsr-3778	66	8	protect	protect	VERB
fsr-3778	66	9	creditors	creditor	NOUN
fsr-3778	66	10	through	through	ADP
fsr-3778	66	11	the	the	DET
fsr-3778	66	12	confiscation	confiscation	NOUN
fsr-3778	66	13	and	and	CCONJ
fsr-3778	66	14	equal	equal	ADJ
fsr-3778	66	15	division	division	NOUN
fsr-3778	66	16	of	of	ADP
fsr-3778	66	17	the	the	DET
fsr-3778	66	18	debtor	debtor	NOUN
fsr-3778	66	19	’s	’s	PART
fsr-3778	66	20	property	property	NOUN
fsr-3778	66	21	among	among	ADP
fsr-3778	66	22	the	the	DET
fsr-3778	66	23	creditors	creditor	NOUN
fsr-3778	66	24	.	.	PUNCT
fsr-3778	67	1	debtors	debtor	NOUN
fsr-3778	67	2	often	often	ADV
fsr-3778	67	3	faced	face	VERB
fsr-3778	67	4	imprisonment	imprisonment	NOUN
fsr-3778	67	5	,	,	PUNCT
fsr-3778	67	6	at	at	ADP
fsr-3778	67	7	the	the	DET
fsr-3778	67	8	expense	expense	NOUN
fsr-3778	67	9	of	of	ADP
fsr-3778	67	10	creditors	creditor	NOUN
fsr-3778	67	11	.	.	PUNCT
fsr-3778	68	1	the	the	DET
fsr-3778	68	2	second	second	ADJ
fsr-3778	68	3	body	body	NOUN
fsr-3778	68	4	of	of	ADP
fsr-3778	68	5	law	law	NOUN
fsr-3778	68	6	purported	purport	VERB
fsr-3778	68	7	to	to	PART
fsr-3778	68	8	protect	protect	VERB
fsr-3778	68	9	debtors	debtor	NOUN
fsr-3778	68	10	,	,	PUNCT
fsr-3778	68	11	who	who	PRON
fsr-3778	68	12	would	would	AUX
fsr-3778	68	13	volunt	volunt	VERB
fsr-3778	68	14	~	~	PUNCT
fsr-3778	68	15	ily	ily	ADV
fsr-3778	68	16	declare	declare	VERB
fsr-3778	68	17	insolvency	insolvency	NOUN
fsr-3778	68	18	,	,	PUNCT
fsr-3778	68	19	give	give	VERB
fsr-3778	68	20	all	all	DET
fsr-3778	68	21	their	their	PRON
fsr-3778	68	22	property	property	NOUN
fsr-3778	68	23	to	to	ADP
fsr-3778	68	24	the	the	DET
fsr-3778	68	25	court	court	NOUN
fsr-3778	68	26	,	,	PUNCT
fsr-3778	68	27	and	and	CCONJ
fsr-3778	68	28	be	be	AUX
fsr-3778	68	29	discharged	discharge	VERB
fsr-3778	68	30	from	from	ADP
fsr-3778	68	31	debtors	debtor	NOUN
fsr-3778	68	32	’	'	PUNCT
fsr-3778	68	33	prison	prison	NOUN
fsr-3778	68	34	.	.	PUNCT
fsr-3778	69	1	debtors	debtor	NOUN
fsr-3778	69	2	were	be	AUX
fsr-3778	69	3	still	still	ADV
fsr-3778	69	4	liable	liable	ADJ
fsr-3778	69	5	for	for	ADP
fsr-3778	69	6	the	the	DET
fsr-3778	69	7	payment	payment	NOUN
fsr-3778	69	8	of	of	ADP
fsr-3778	69	9	their	their	PRON
fsr-3778	69	10	debts	debt	NOUN
fsr-3778	69	11	.	.	PUNCT
fsr-3778	70	1	the	the	DET
fsr-3778	70	2	word	word	NOUN
fsr-3778	70	3	bankruptcy	bankruptcy	NOUN
fsr-3778	70	4	is	be	AUX
fsr-3778	70	5	derived	derive	VERB
fsr-3778	70	6	from	from	ADP
fsr-3778	70	7	the	the	DET
fsr-3778	70	8	latin	latin	ADJ
fsr-3778	70	9	words	word	NOUN
fsr-3778	70	10	for	for	ADP
fsr-3778	70	11	“	"	PUNCT
fsr-3778	70	12	bench	bench	NOUN
fsr-3778	70	13	”	"	PUNCT
fsr-3778	70	14	and	and	CCONJ
fsr-3778	70	15	“	"	PUNCT
fsr-3778	70	16	break	break	NOUN
fsr-3778	70	17	”	"	PUNCT
fsr-3778	70	18	(	(	PUNCT
fsr-3778	70	19	luckett	luckett	PROPN
fsr-3778	70	20	,	,	PUNCT
fsr-3778	70	21	1988	1988	NUM
fsr-3778	70	22	)	)	PUNCT
fsr-3778	70	23	.	.	PUNCT
fsr-3778	71	1	the	the	DET
fsr-3778	71	2	literal	literal	ADJ
fsr-3778	71	3	meaning	meaning	NOUN
fsr-3778	71	4	of	of	ADP
fsr-3778	71	5	bankrupt	bankrupt	ADJ
fsr-3778	71	6	is	be	AUX
fsr-3778	71	7	broken	break	VERB
fsr-3778	71	8	bench	bench	NOUN
fsr-3778	71	9	.	.	PUNCT
fsr-3778	72	1	under	under	ADP
fsr-3778	72	2	roman	roman	ADJ
fsr-3778	72	3	law	law	NOUN
fsr-3778	72	4	,	,	PUNCT
fsr-3778	72	5	creditors	creditor	NOUN
fsr-3778	72	6	would	would	AUX
fsr-3778	72	7	physically	physically	ADV
fsr-3778	72	8	break	break	VERB
fsr-3778	72	9	the	the	DET
fsr-3778	72	10	debtor	debtor	NOUN
fsr-3778	72	11	’s	’s	PART
fsr-3778	72	12	workbench	workbench	NOUN
fsr-3778	72	13	after	after	ADP
fsr-3778	72	14	gathering	gather	VERB
fsr-3778	72	15	together	together	ADV
fsr-3778	72	16	and	and	CCONJ
fsr-3778	72	17	dividing	divide	VERB
fsr-3778	72	18	up	up	ADP
fsr-3778	72	19	the	the	DET
fsr-3778	72	20	debtor	debtor	NOUN
fsr-3778	72	21	’s	’s	PART
fsr-3778	72	22	assets	asset	NOUN
fsr-3778	72	23	.	.	PUNCT
fsr-3778	73	1	the	the	DET
fsr-3778	73	2	broken	broken	ADJ
fsr-3778	73	3	workbench	workbench	NOUN
fsr-3778	73	4	served	serve	VERB
fsr-3778	73	5	as	as	ADP
fsr-3778	73	6	both	both	CCONJ
fsr-3778	73	7	a	a	DET
fsr-3778	73	8	punishment	punishment	NOUN
fsr-3778	73	9	and	and	CCONJ
fsr-3778	73	10	a	a	DET
fsr-3778	73	11	wring	wring	NOUN
fsr-3778	73	12	to	to	ADP
fsr-3778	73	13	other	other	ADJ
fsr-3778	73	14	debtors	debtor	NOUN
fsr-3778	73	15	.	.	PUNCT
fsr-3778	74	1	satisfaction	satisfaction	NOUN
fsr-3778	74	2	of	of	ADP
fsr-3778	74	3	the	the	DET
fsr-3778	74	4	claims	claim	NOUN
fsr-3778	74	5	of	of	ADP
fsr-3778	74	6	creditors	creditor	NOUN
fsr-3778	74	7	and	and	CCONJ
fsr-3778	74	8	punishment	punishment	NOUN
fsr-3778	74	9	of	of	ADP
fsr-3778	74	10	the	the	DET
fsr-3778	74	11	debtors	debtor	NOUN
fsr-3778	74	12	were	be	AUX
fsr-3778	74	13	the	the	DET
fsr-3778	74	14	objectives	objective	NOUN
fsr-3778	74	15	of	of	ADP
fsr-3778	74	16	the	the	DET
fsr-3778	74	17	early	early	ADJ
fsr-3778	74	18	law	law	NOUN
fsr-3778	74	19	.	.	PUNCT
fsr-3778	75	1	bankrupt	bankrupt	ADJ
fsr-3778	75	2	persons	person	NOUN
fsr-3778	75	3	were	be	AUX
fsr-3778	75	4	deprived	deprive	VERB
fsr-3778	75	5	of	of	ADP
fsr-3778	75	6	their	their	PRON
fsr-3778	75	7	civil	civil	ADJ
fsr-3778	75	8	rights	right	NOUN
fsr-3778	75	9	.	.	PUNCT
fsr-3778	76	1	other	other	ADJ
fsr-3778	76	2	societies	society	NOUN
fsr-3778	76	3	required	require	VERB
fsr-3778	76	4	bankrupts	bankrupt	NOUN
fsr-3778	76	5	to	to	PART
fsr-3778	76	6	dress	dress	VERB
fsr-3778	76	7	in	in	ADP
fsr-3778	76	8	distinctive	distinctive	ADJ
fsr-3778	76	9	garb	garb	NOUN
fsr-3778	76	10	.	.	PUNCT
fsr-3778	77	1	in	in	ADP
fsr-3778	77	2	1705	1705	NUM
fsr-3778	77	3	,	,	PUNCT
fsr-3778	77	4	english	english	ADJ
fsr-3778	77	5	law	law	NOUN
fsr-3778	77	6	provided	provide	VERB
fsr-3778	77	7	for	for	ADP
fsr-3778	77	8	remission	remission	NOUN
fsr-3778	77	9	of	of	ADP
fsr-3778	77	10	the	the	DET
fsr-3778	77	11	140	140	NUM
fsr-3778	77	12	financial	financial	ADJ
fsr-3778	77	13	services	service	NOUN
fsr-3778	77	14	review	review	NOUN
fsr-3778	77	15	4(2	4(2	NUM
fsr-3778	77	16	)	)	PUNCT
fsr-3778	77	17	1995	1995	NUM
fsr-3778	77	18	debts	debt	NOUN
fsr-3778	77	19	of	of	ADP
fsr-3778	77	20	ban	ban	NOUN
fsr-3778	77	21	~	~	SYM
fsr-3778	77	22	upts	upt	NOUN
fsr-3778	77	23	.	.	PUNCT
fsr-3778	78	1	the	the	DET
fsr-3778	78	2	purpose	purpose	NOUN
fsr-3778	78	3	was	be	AUX
fsr-3778	78	4	not	not	PART
fsr-3778	78	5	a	a	DET
fsr-3778	78	6	humane	humane	ADJ
fsr-3778	78	7	gesture	gesture	NOUN
fsr-3778	78	8	to	to	PART
fsr-3778	78	9	give	give	VERB
fsr-3778	78	10	the	the	DET
fsr-3778	78	11	unkept	unkept	ADJ
fsr-3778	78	12	a	a	DET
fsr-3778	78	13	new	new	ADJ
fsr-3778	78	14	start	start	NOUN
fsr-3778	79	1	but	but	CCONJ
fsr-3778	79	2	rather	rather	ADV
fsr-3778	79	3	a	a	DET
fsr-3778	79	4	counter	counter	NOUN
fsr-3778	79	5	to	to	ADP
fsr-3778	79	6	the	the	DET
fsr-3778	79	7	concealment	concealment	NOUN
fsr-3778	79	8	of	of	ADP
fsr-3778	79	9	assets	asset	NOUN
fsr-3778	79	10	by	by	ADP
fsr-3778	79	11	debtors	debtor	NOUN
fsr-3778	79	12	.	.	PUNCT
fsr-3778	80	1	almost	almost	ADV
fsr-3778	80	2	300	300	NUM
fsr-3778	80	3	years	year	NOUN
fsr-3778	80	4	later	later	ADV
fsr-3778	80	5	,	,	PUNCT
fsr-3778	80	6	a	a	DET
fsr-3778	80	7	new	new	ADJ
fsr-3778	80	8	start	start	NOUN
fsr-3778	80	9	for	for	ADP
fsr-3778	80	10	debtors	debtor	NOUN
fsr-3778	80	11	and	and	CCONJ
fsr-3778	80	12	the	the	DET
fsr-3778	80	13	availability	availability	NOUN
fsr-3778	80	14	of	of	ADP
fsr-3778	80	15	debtors	debtor	NOUN
fsr-3778	80	16	’	’	PART
fsr-3778	80	17	assets	asset	NOUN
fsr-3778	80	18	for	for	ADP
fsr-3778	80	19	meeting	meet	VERB
fsr-3778	80	20	the	the	DET
fsr-3778	80	21	needs	need	NOUN
fsr-3778	80	22	of	of	ADP
fsr-3778	80	23	creditors	creditor	NOUN
fsr-3778	80	24	and	and	CCONJ
fsr-3778	80	25	debtors	debtor	NOUN
fsr-3778	80	26	remain	remain	VERB
fsr-3778	80	27	a	a	DET
fsr-3778	80	28	concern	concern	NOUN
fsr-3778	80	29	.	.	PUNCT
fsr-3778	81	1	individuals	individual	NOUN
fsr-3778	81	2	usually	usually	ADV
fsr-3778	81	3	file	file	VERB
fsr-3778	81	4	under	under	ADP
fsr-3778	81	5	chapter	chapter	NOUN
fsr-3778	81	6	7	7	NUM
fsr-3778	81	7	,	,	PUNCT
fsr-3778	81	8	straight	straight	ADJ
fsr-3778	81	9	bankruptcy	bankruptcy	NOUN
fsr-3778	81	10	,	,	PUNCT
fsr-3778	81	11	or	or	CCONJ
fsr-3778	81	12	chapter	chapter	NOUN
fsr-3778	81	13	13	13	NUM
fsr-3778	81	14	,	,	PUNCT
fsr-3778	81	15	the	the	DET
fsr-3778	81	16	wage	wage	NOUN
fsr-3778	81	17	earner	earner	NOUN
fsr-3778	81	18	plan	plan	NOUN
fsr-3778	81	19	.	.	PUNCT
fsr-3778	82	1	chapter	chapter	NOUN
fsr-3778	82	2	11	11	NUM
fsr-3778	82	3	is	be	AUX
fsr-3778	82	4	available	available	ADJ
fsr-3778	82	5	for	for	ADP
fsr-3778	82	6	consumers	consumer	NOUN
fsr-3778	82	7	with	with	ADP
fsr-3778	82	8	unsecured	unsecured	ADJ
fsr-3778	82	9	or	or	CCONJ
fsr-3778	82	10	secured	secured	ADJ
fsr-3778	82	11	debts	debt	NOUN
fsr-3778	82	12	that	that	PRON
fsr-3778	82	13	exceed	exceed	VERB
fsr-3778	82	14	the	the	DET
fsr-3778	82	15	limits	limit	NOUN
fsr-3778	82	16	set	set	VERB
fsr-3778	82	17	for	for	ADP
fsr-3778	82	18	chapter	chapter	NOUN
fsr-3778	82	19	13	13	NUM
fsr-3778	82	20	,	,	PUNCT
fsr-3778	82	21	and	and	CCONJ
fsr-3778	82	22	chapter	chapter	NOUN
fsr-3778	82	23	12	12	NUM
fsr-3778	82	24	allows	allow	VERB
fsr-3778	82	25	family	family	NOUN
fsr-3778	82	26	farmers	farmer	NOUN
fsr-3778	82	27	with	with	ADP
fsr-3778	82	28	regular	regular	ADJ
fsr-3778	82	29	income	income	NOUN
fsr-3778	82	30	to	to	PART
fsr-3778	82	31	restructure	restructure	VERB
fsr-3778	82	32	their	their	PRON
fsr-3778	82	33	debt	debt	NOUN
fsr-3778	82	34	while	while	SCONJ
fsr-3778	82	35	remaining	remain	VERB
fsr-3778	82	36	in	in	ADP
fsr-3778	82	37	operation	operation	NOUN
fsr-3778	82	38	.	.	PUNCT
fsr-3778	83	1	there	there	PRON
fsr-3778	83	2	are	be	VERB
fsr-3778	83	3	no	no	DET
fsr-3778	83	4	restrictions	restriction	NOUN
fsr-3778	83	5	on	on	ADP
fsr-3778	83	6	the	the	DET
fsr-3778	83	7	number	number	NOUN
fsr-3778	83	8	of	of	ADP
fsr-3778	83	9	chapter	chapter	NOUN
fsr-3778	83	10	11	11	NUM
fsr-3778	83	11	,	,	PUNCT
fsr-3778	83	12	12	12	NUM
fsr-3778	83	13	,	,	PUNCT
fsr-3778	83	14	or	or	CCONJ
fsr-3778	83	15	13	13	NUM
fsr-3778	83	16	filings	filing	NOUN
fsr-3778	83	17	per	per	ADP
fsr-3778	83	18	household	household	NOUN
fsr-3778	83	19	,	,	PUNCT
fsr-3778	83	20	and	and	CCONJ
fsr-3778	83	21	these	these	DET
fsr-3778	83	22	chapters	chapter	NOUN
fsr-3778	83	23	allow	allow	VERB
fsr-3778	83	24	debtors	debtor	NOUN
fsr-3778	83	25	to	to	PART
fsr-3778	83	26	protect	protect	VERB
fsr-3778	83	27	more	more	ADJ
fsr-3778	83	28	assets	asset	NOUN
fsr-3778	83	29	.	.	PUNCT
fsr-3778	84	1	a	a	DET
fsr-3778	84	2	chapter	chapter	NOUN
fsr-3778	84	3	7	7	NUM
fsr-3778	84	4	filing	filing	NOUN
fsr-3778	84	5	discharges	discharge	NOUN
fsr-3778	84	6	most	most	ADJ
fsr-3778	84	7	debts	debt	NOUN
fsr-3778	84	8	;	;	PUNCT
fsr-3778	84	9	however	however	ADV
fsr-3778	84	10	,	,	PUNCT
fsr-3778	84	11	a	a	DET
fsr-3778	84	12	person	person	NOUN
fsr-3778	84	13	can	can	AUX
fsr-3778	84	14	not	not	PART
fsr-3778	84	15	tile	tile	VERB
fsr-3778	84	16	bankruptcy	bankruptcy	NOUN
fsr-3778	84	17	again	again	ADV
fsr-3778	84	18	for	for	ADP
fsr-3778	84	19	six	six	NUM
fsr-3778	84	20	years	year	NOUN
fsr-3778	84	21	.	.	PUNCT
fsr-3778	85	1	under	under	ADP
fsr-3778	85	2	straight	straight	ADJ
fsr-3778	85	3	bankruptcy	bankruptcy	NOUN
fsr-3778	85	4	,	,	PUNCT
fsr-3778	85	5	people	people	NOUN
fsr-3778	85	6	are	be	AUX
fsr-3778	85	7	allowed	allow	VERB
fsr-3778	85	8	to	to	PART
fsr-3778	85	9	keep	keep	VERB
fsr-3778	85	10	a	a	DET
fsr-3778	85	11	smalt	smalt	NOUN
fsr-3778	85	12	equity	equity	NOUN
fsr-3778	85	13	in	in	ADP
fsr-3778	85	14	their	their	PRON
fsr-3778	85	15	homes	home	NOUN
fsr-3778	85	16	,	,	PUNCT
fsr-3778	85	17	an	an	DET
fsr-3778	85	18	inexpensive	inexpensive	ADJ
fsr-3778	85	19	automobile	automobile	NOUN
fsr-3778	85	20	,	,	PUNCT
fsr-3778	85	21	and	and	CCONJ
fsr-3778	85	22	limited	limited	ADJ
fsr-3778	85	23	personal	personal	ADJ
fsr-3778	85	24	property	property	NOUN
fsr-3778	85	25	.	.	PUNCT
fsr-3778	86	1	state	state	NOUN
fsr-3778	86	2	or	or	CCONJ
fsr-3778	86	3	federal	federal	ADJ
fsr-3778	86	4	laws	law	NOUN
fsr-3778	86	5	govern	govern	VERB
fsr-3778	86	6	what	what	PRON
fsr-3778	86	7	can	can	AUX
fsr-3778	86	8	be	be	AUX
fsr-3778	86	9	kept	keep	VERB
fsr-3778	86	10	.	.	PUNCT
fsr-3778	87	1	some	some	DET
fsr-3778	87	2	debts	debt	NOUN
fsr-3778	87	3	such	such	ADJ
fsr-3778	87	4	as	as	ADP
fsr-3778	87	5	education	education	NOUN
fsr-3778	87	6	loans	loan	NOUN
fsr-3778	87	7	,	,	PUNCT
fsr-3778	87	8	fines	fine	NOUN
fsr-3778	87	9	,	,	PUNCT
fsr-3778	87	10	alimony	alimony	NOUN
fsr-3778	87	11	,	,	PUNCT
fsr-3778	87	12	child	child	NOUN
fsr-3778	87	13	support	support	NOUN
fsr-3778	87	14	,	,	PUNCT
fsr-3778	87	15	and	and	CCONJ
fsr-3778	87	16	income	income	NOUN
fsr-3778	87	17	taxes	taxis	NOUN
fsr-3778	87	18	may	may	AUX
fsr-3778	87	19	never	never	ADV
fsr-3778	87	20	be	be	AUX
fsr-3778	87	21	excused	excuse	VERB
fsr-3778	87	22	.	.	PUNCT
fsr-3778	88	1	under	under	ADP
fsr-3778	88	2	a	a	DET
fsr-3778	88	3	chapter	chapter	NOUN
fsr-3778	88	4	13	13	NUM
fsr-3778	88	5	filing	filing	NOUN
fsr-3778	88	6	(	(	PUNCT
fsr-3778	88	7	wage	wage	NOUN
fsr-3778	88	8	earner	earner	NOUN
fsr-3778	88	9	)	)	PUNCT
fsr-3778	88	10	,	,	PUNCT
fsr-3778	88	11	the	the	DET
fsr-3778	88	12	person	person	NOUN
fsr-3778	88	13	is	be	AUX
fsr-3778	88	14	allowed	allow	VERB
fsr-3778	88	15	to	to	PART
fsr-3778	88	16	keep	keep	VERB
fsr-3778	88	17	all	all	DET
fsr-3778	88	18	assets	asset	NOUN
fsr-3778	88	19	and	and	CCONJ
fsr-3778	88	20	is	be	AUX
fsr-3778	88	21	protected	protect	VERB
fsr-3778	88	22	from	from	ADP
fsr-3778	88	23	creditors	creditor	NOUN
fsr-3778	88	24	while	while	SCONJ
fsr-3778	88	25	debts	debt	NOUN
fsr-3778	88	26	are	be	AUX
fsr-3778	88	27	being	be	AUX
fsr-3778	88	28	repaid	repay	VERB
fsr-3778	88	29	according	accord	VERB
fsr-3778	88	30	to	to	ADP
fsr-3778	88	31	the	the	DET
fsr-3778	88	32	court	court	NOUN
fsr-3778	88	33	-	-	PUNCT
fsr-3778	88	34	approved	approve	VERB
fsr-3778	88	35	plan	plan	NOUN
fsr-3778	88	36	.	.	PUNCT
fsr-3778	89	1	the	the	DET
fsr-3778	89	2	time	time	NOUN
fsr-3778	89	3	period	period	NOUN
fsr-3778	89	4	is	be	AUX
fsr-3778	89	5	usually	usually	ADV
fsr-3778	89	6	three	three	NUM
fsr-3778	89	7	years	year	NOUN
fsr-3778	89	8	.	.	PUNCT
fsr-3778	90	1	chapter	chapter	NOUN
fsr-3778	90	2	7	7	NUM
fsr-3778	90	3	may	may	AUX
fsr-3778	90	4	be	be	AUX
fsr-3778	90	5	used	use	VERB
fsr-3778	90	6	by	by	ADP
fsr-3778	90	7	both	both	DET
fsr-3778	90	8	business	business	NOUN
fsr-3778	90	9	and	and	CCONJ
fsr-3778	90	10	nonbusiness	nonbusiness	NOUN
fsr-3778	90	11	petitioners	petitioner	NOUN
fsr-3778	90	12	while	while	SCONJ
fsr-3778	90	13	chapter	chapter	NOUN
fsr-3778	90	14	13	13	NUM
fsr-3778	90	15	is	be	AUX
fsr-3778	90	16	limited	limit	VERB
fsr-3778	90	17	to	to	ADP
fsr-3778	90	18	nonbusiness	nonbusiness	NOUN
fsr-3778	90	19	petitioners	petitioner	NOUN
fsr-3778	90	20	.	.	PUNCT
fsr-3778	91	1	iii	iii	X
fsr-3778	91	2	.	.	PUNCT
fsr-3778	91	3	characteristics	characteristic	NOUN
fsr-3778	91	4	associated	associate	VERB
fsr-3778	91	5	with	with	ADP
fsr-3778	91	6	debt	debt	NOUN
fsr-3778	91	7	repayment	repayment	NOUN
fsr-3778	91	8	,	,	PUNCT
fsr-3778	91	9	delinquency	delinquency	NOUN
fsr-3778	91	10	and	and	CCONJ
fsr-3778	91	11	bankruptcy	bankruptcy	NOUN
fsr-3778	91	12	:	:	PUNCT
fsr-3778	91	13	empirical	empirical	ADJ
fsr-3778	91	14	evidence	evidence	NOUN
fsr-3778	91	15	the	the	DET
fsr-3778	91	16	study	study	NOUN
fsr-3778	91	17	of	of	ADP
fsr-3778	91	18	consumer	consumer	NOUN
fsr-3778	91	19	insolvency	insolvency	NOUN
fsr-3778	91	20	is	be	AUX
fsr-3778	91	21	not	not	PART
fsr-3778	91	22	a	a	DET
fsr-3778	91	23	well	well	ADV
fsr-3778	91	24	-	-	PUNCT
fsr-3778	91	25	developed	develop	VERB
fsr-3778	91	26	science	science	NOUN
fsr-3778	91	27	.	.	PUNCT
fsr-3778	92	1	no	no	DET
fsr-3778	92	2	theory	theory	NOUN
fsr-3778	92	3	has	have	AUX
fsr-3778	92	4	emerged	emerge	VERB
fsr-3778	92	5	to	to	PART
fsr-3778	92	6	explain	explain	VERB
fsr-3778	92	7	,	,	PUNCT
fsr-3778	92	8	or	or	CCONJ
fsr-3778	92	9	predict	predict	VERB
fsr-3778	92	10	,	,	PUNCT
fsr-3778	92	11	the	the	DET
fsr-3778	92	12	onset	onset	NOUN
fsr-3778	92	13	of	of	ADP
fsr-3778	92	14	insolvency	insolvency	NOUN
fsr-3778	92	15	.	.	PUNCT
fsr-3778	93	1	although	although	SCONJ
fsr-3778	93	2	fragmented	fragmented	ADJ
fsr-3778	93	3	and	and	CCONJ
fsr-3778	93	4	not	not	PART
fsr-3778	93	5	without	without	ADP
fsr-3778	93	6	its	its	PRON
fsr-3778	93	7	limitations	limitation	NOUN
fsr-3778	93	8	,	,	PUNCT
fsr-3778	93	9	research	research	NOUN
fsr-3778	93	10	on	on	ADP
fsr-3778	93	11	related	related	ADJ
fsr-3778	93	12	topics	topic	NOUN
fsr-3778	93	13	such	such	ADJ
fsr-3778	93	14	as	as	ADP
fsr-3778	93	15	consumer	consumer	NOUN
fsr-3778	93	16	debt	debt	NOUN
fsr-3778	93	17	repayment	repayment	NOUN
fsr-3778	93	18	,	,	PUNCT
fsr-3778	93	19	delinquency	delinquency	NOUN
fsr-3778	93	20	,	,	PUNCT
fsr-3778	93	21	and	and	CCONJ
fsr-3778	93	22	bankruptcy	bankruptcy	NOUN
fsr-3778	93	23	offers	offer	VERB
fsr-3778	93	24	some	some	DET
fsr-3778	93	25	empirical	empirical	ADJ
fsr-3778	93	26	evidence	evidence	NOUN
fsr-3778	93	27	to	to	PART
fsr-3778	93	28	explain	explain	VERB
fsr-3778	93	29	the	the	DET
fsr-3778	93	30	incidence	incidence	NOUN
fsr-3778	93	31	of	of	ADP
fsr-3778	93	32	consumer	consumer	NOUN
fsr-3778	93	33	insolvency	insolvency	NOUN
fsr-3778	93	34	.	.	PUNCT
fsr-3778	94	1	a.	a.	NOUN
fsr-3778	94	2	repayment	repayment	NOUN
fsr-3778	94	3	of	of	ADP
fsr-3778	94	4	consumer	consumer	NOUN
fsr-3778	94	5	debt	debt	NOUN
fsr-3778	94	6	the	the	DET
fsr-3778	94	7	lack	lack	NOUN
fsr-3778	94	8	of	of	ADP
fsr-3778	94	9	delinquency	delinquency	NOUN
fsr-3778	94	10	in	in	ADP
fsr-3778	94	11	repaying	repay	VERB
fsr-3778	94	12	debt	debt	NOUN
fsr-3778	94	13	is	be	AUX
fsr-3778	94	14	an	an	DET
fsr-3778	94	15	important	important	ADJ
fsr-3778	94	16	indicator	indicator	NOUN
fsr-3778	94	17	of	of	ADP
fsr-3778	94	18	the	the	DET
fsr-3778	94	19	quality	quality	NOUN
fsr-3778	94	20	of	of	ADP
fsr-3778	94	21	credit	credit	NOUN
fsr-3778	94	22	.	.	PUNCT
fsr-3778	95	1	the	the	DET
fsr-3778	95	2	1983	1983	NUM
fsr-3778	95	3	survey	survey	NOUN
fsr-3778	95	4	of	of	ADP
fsr-3778	95	5	consumer	consumer	NOUN
fsr-3778	95	6	finances	finance	NOUN
fsr-3778	95	7	(	(	PUNCT
fsr-3778	95	8	scf	scf	PROPN
fsr-3778	95	9	)	)	PUNCT
fsr-3778	95	10	was	be	AUX
fsr-3778	95	11	one	one	NUM
fsr-3778	95	12	of	of	ADP
fsr-3778	95	13	the	the	DET
fsr-3778	95	14	first	first	ADJ
fsr-3778	95	15	surveys	survey	NOUN
fsr-3778	95	16	to	to	PART
fsr-3778	95	17	provide	provide	VERB
fsr-3778	95	18	information	information	NOUN
fsr-3778	95	19	obtained	obtain	VERB
fsr-3778	95	20	from	from	ADP
fsr-3778	95	21	borrowers	borrower	NOUN
fsr-3778	95	22	about	about	ADP
fsr-3778	95	23	their	their	PRON
fsr-3778	95	24	debt	debt	NOUN
fsr-3778	95	25	repayment	repayment	NOUN
fsr-3778	95	26	behavior	behavior	NOUN
fsr-3778	95	27	.	.	PUNCT
fsr-3778	96	1	prior	prior	ADV
fsr-3778	96	2	to	to	ADP
fsr-3778	96	3	the	the	DET
fsr-3778	96	4	1983	1983	NUM
fsr-3778	96	5	scf	scf	PROPN
fsr-3778	96	6	,	,	PUNCT
fsr-3778	96	7	most	most	ADJ
fsr-3778	96	8	info	info	NOUN
fsr-3778	96	9	~	~	SYM
fsr-3778	96	10	ation	ation	NOUN
fsr-3778	96	11	about	about	ADP
fsr-3778	96	12	delinquent	delinquent	ADJ
fsr-3778	96	13	debt	debt	NOUN
fsr-3778	96	14	repayment	repayment	NOUN
fsr-3778	96	15	came	come	VERB
fsr-3778	96	16	from	from	ADP
fsr-3778	96	17	lenders	lender	NOUN
fsr-3778	96	18	.	.	PUNCT
fsr-3778	97	1	approximately	approximately	ADV
fsr-3778	97	2	22	22	NUM
fsr-3778	97	3	%	%	NOUN
fsr-3778	97	4	of	of	ADP
fsr-3778	97	5	the	the	DET
fsr-3778	97	6	3,824	3,824	NUM
fsr-3778	97	7	respondents	respondent	NOUN
fsr-3778	97	8	of	of	ADP
fsr-3778	97	9	the	the	DET
fsr-3778	97	10	1983	1983	NUM
fsr-3778	97	11	scf	scf	PROPN
fsr-3778	97	12	reported	report	VERB
fsr-3778	97	13	that	that	SCONJ
fsr-3778	97	14	they	they	PRON
fsr-3778	97	15	had	have	AUX
fsr-3778	97	16	made	make	VERB
fsr-3778	97	17	late	late	ADJ
fsr-3778	97	18	payments	payment	NOUN
fsr-3778	97	19	or	or	CCONJ
fsr-3778	97	20	missed	miss	VERB
fsr-3778	97	21	payments	payment	NOUN
fsr-3778	97	22	at	at	ADP
fsr-3778	97	23	some	some	DET
fsr-3778	97	24	time	time	NOUN
fsr-3778	97	25	during	during	ADP
fsr-3778	97	26	the	the	DET
fsr-3778	97	27	previous	previous	ADJ
fsr-3778	97	28	year	year	NOUN
fsr-3778	97	29	.	.	PUNCT
fsr-3778	98	1	using	use	VERB
fsr-3778	98	2	univariate	univariate	ADJ
fsr-3778	98	3	and	and	CCONJ
fsr-3778	98	4	bivariate	bivariate	ADJ
fsr-3778	98	5	analysis	analysis	NOUN
fsr-3778	98	6	,	,	PUNCT
fsr-3778	98	7	sullivan	sullivan	NOUN
fsr-3778	98	8	and	and	CCONJ
fsr-3778	98	9	fisher	fisher	PROPN
fsr-3778	98	10	(	(	PUNCT
fsr-3778	98	11	1988	1988	NUM
fsr-3778	98	12	)	)	PUNCT
fsr-3778	98	13	showed	show	VERB
fsr-3778	98	14	that	that	SCONJ
fsr-3778	98	15	the	the	DET
fsr-3778	98	16	incidence	incidence	NOUN
fsr-3778	98	17	of	of	ADP
fsr-3778	98	18	slow	slow	ADJ
fsr-3778	98	19	or	or	CCONJ
fsr-3778	98	20	missed	miss	VERB
fsr-3778	98	21	payments	payment	NOUN
fsr-3778	98	22	in	in	ADP
fsr-3778	98	23	the	the	DET
fsr-3778	98	24	1983	1983	NUM
fsr-3778	98	25	scf	scf	PROPN
fsr-3778	98	26	decreased	decrease	VERB
fsr-3778	98	27	as	as	SCONJ
fsr-3778	98	28	income	income	NOUN
fsr-3778	98	29	increased	increase	VERB
fsr-3778	98	30	and	and	CCONJ
fsr-3778	98	31	as	as	SCONJ
fsr-3778	98	32	the	the	DET
fsr-3778	98	33	age	age	NOUN
fsr-3778	98	34	of	of	ADP
fsr-3778	98	35	the	the	DET
fsr-3778	98	36	borrower	borrower	NOUN
fsr-3778	98	37	increased	increase	VERB
fsr-3778	98	38	.	.	PUNCT
fsr-3778	99	1	the	the	DET
fsr-3778	99	2	risk	risk	NOUN
fsr-3778	99	3	of	of	ADP
fsr-3778	99	4	payment	payment	NOUN
fsr-3778	99	5	difficulty	difficulty	NOUN
fsr-3778	99	6	was	be	AUX
fsr-3778	99	7	very	very	ADV
fsr-3778	99	8	high	high	ADJ
fsr-3778	99	9	(	(	PUNCT
fsr-3778	99	10	37	37	NUM
fsr-3778	99	11	%	%	NOUN
fsr-3778	99	12	)	)	PUNCT
fsr-3778	99	13	for	for	ADP
fsr-3778	99	14	the	the	DET
fsr-3778	99	15	lowest	low	ADJ
fsr-3778	99	16	income	income	NOUN
fsr-3778	99	17	group	group	NOUN
fsr-3778	99	18	,	,	PUNCT
fsr-3778	99	19	below	below	ADP
fsr-3778	99	20	$	$	SYM
fsr-3778	99	21	lo	lo	PROPN
fsr-3778	99	22	,	,	PUNCT
fsr-3778	99	23	o~	o~	PROPN
fsr-3778	99	24	,	,	PUNCT
fsr-3778	99	25	and	and	CCONJ
fsr-3778	99	26	very	very	ADV
fsr-3778	99	27	low	low	ADJ
fsr-3778	99	28	among	among	ADP
fsr-3778	99	29	the	the	DET
fsr-3778	99	30	highest	high	ADJ
fsr-3778	99	31	income	income	NOUN
fsr-3778	99	32	group	group	NOUN
fsr-3778	99	33	(	(	PUNCT
fsr-3778	99	34	7	7	NUM
fsr-3778	99	35	%	%	NOUN
fsr-3778	99	36	)	)	PUNCT
fsr-3778	99	37	,	,	PUNCT
fsr-3778	99	38	$	$	SYM
fsr-3778	99	39	50,~0	50,~0	NUM
fsr-3778	99	40	and	and	CCONJ
fsr-3778	99	41	over	over	ADV
fsr-3778	99	42	.	.	PUNCT
fsr-3778	100	1	as	as	SCONJ
fsr-3778	100	2	the	the	DET
fsr-3778	100	3	household	household	NOUN
fsr-3778	100	4	head	head	NOUN
fsr-3778	100	5	aged	age	VERB
fsr-3778	100	6	,	,	PUNCT
fsr-3778	100	7	generally	generally	ADV
fsr-3778	100	8	the	the	DET
fsr-3778	100	9	probability	probability	NOUN
fsr-3778	100	10	of	of	ADP
fsr-3778	100	11	payment	payment	NOUN
fsr-3778	100	12	difficulty	difficulty	NOUN
fsr-3778	100	13	declined	decline	VERB
fsr-3778	100	14	.	.	PUNCT
fsr-3778	101	1	further	far	ADV
fsr-3778	101	2	,	,	PUNCT
fsr-3778	101	3	regardless	regardless	ADV
fsr-3778	101	4	of	of	ADP
fsr-3778	101	5	the	the	DET
fsr-3778	101	6	level	level	NOUN
fsr-3778	101	7	of	of	ADP
fsr-3778	101	8	income	income	NOUN
fsr-3778	101	9	,	,	PUNCT
fsr-3778	101	10	respondents	respondent	NOUN
fsr-3778	101	11	with	with	ADP
fsr-3778	101	12	no	no	PRON
fsr-3778	101	13	or	or	CCONJ
fsr-3778	101	14	very	very	ADV
fsr-3778	101	15	low	low	ADJ
fsr-3778	101	16	liquid	liquid	ADJ
fsr-3778	101	17	asset	asset	NOUN
fsr-3778	101	18	balances	balance	NOUN
fsr-3778	101	19	had	have	VERB
fsr-3778	101	20	an	an	DET
fsr-3778	101	21	above	above	ADJ
fsr-3778	101	22	-	-	PUNCT
fsr-3778	101	23	average	average	NOUN
fsr-3778	101	24	tendency	tendency	NOUN
fsr-3778	101	25	for	for	ADP
fsr-3778	101	26	payment	payment	NOUN
fsr-3778	101	27	difficulty	difficulty	NOUN
fsr-3778	101	28	,	,	PUNCT
fsr-3778	101	29	renters	renter	NOUN
fsr-3778	101	30	were	be	AUX
fsr-3778	101	31	almost	almost	ADV
fsr-3778	101	32	twice	twice	ADV
fsr-3778	101	33	as	as	ADV
fsr-3778	101	34	likely	likely	ADJ
fsr-3778	101	35	to	to	PART
fsr-3778	101	36	report	report	VERB
fsr-3778	101	37	having	having	AUX
fsr-3778	101	38	had	have	VERB
fsr-3778	101	39	debt	debt	NOUN
fsr-3778	101	40	payment	payment	NOUN
fsr-3778	101	41	difficulties	difficulty	NOUN
fsr-3778	101	42	as	as	SCONJ
fsr-3778	101	43	were	be	AUX
fsr-3778	101	44	homeowners	homeowner	NOUN
fsr-3778	101	45	.	.	PUNCT
fsr-3778	102	1	the	the	DET
fsr-3778	102	2	analyses	analysis	NOUN
fsr-3778	102	3	showed	show	VERB
fsr-3778	102	4	that	that	SCONJ
fsr-3778	102	5	missed	miss	VERB
fsr-3778	102	6	or	or	CCONJ
fsr-3778	102	7	slow	slow	ADJ
fsr-3778	102	8	payments	payment	NOUN
fsr-3778	102	9	were	be	AUX
fsr-3778	102	10	more	more	ADV
fsr-3778	102	11	likely	likely	ADJ
fsr-3778	102	12	to	to	PART
fsr-3778	102	13	occur	occur	VERB
fsr-3778	102	14	among	among	ADP
fsr-3778	102	15	nonwhites	nonwhite	NOUN
fsr-3778	102	16	or	or	CCONJ
fsr-3778	102	17	hispanics	hispanic	NOUN
fsr-3778	102	18	,	,	PUNCT
fsr-3778	102	19	in	in	ADP
fsr-3778	102	20	households	household	NOUN
fsr-3778	102	21	with	with	ADP
fsr-3778	102	22	less	less	ADV
fsr-3778	102	23	-	-	PUNCT
fsr-3778	102	24	educated	educate	VERB
fsr-3778	102	25	heads	head	NOUN
fsr-3778	102	26	,	,	PUNCT
fsr-3778	102	27	and	and	CCONJ
fsr-3778	102	28	in	in	ADP
fsr-3778	102	29	household	household	NOUN
fsr-3778	102	30	insolvency	insolvency	NOUN
fsr-3778	102	31	:	:	PUNCT
fsr-3778	102	32	debt	debt	NOUN
fsr-3778	102	33	repayment	repayment	NOUN
fsr-3778	102	34	,	,	PUNCT
fsr-3778	102	35	delinquency	delinquency	NOUN
fsr-3778	102	36	,	,	PUNCT
fsr-3778	102	37	and	and	CCONJ
fsr-3778	102	38	bankruptcy	bankruptcy	NOUN
fsr-3778	102	39	141	141	NUM
fsr-3778	102	40	households	household	NOUN
fsr-3778	102	41	with	with	ADP
fsr-3778	102	42	higher	high	ADJ
fsr-3778	102	43	ratios	ratio	NOUN
fsr-3778	102	44	of	of	ADP
fsr-3778	102	45	mortgage	mortgage	NOUN
fsr-3778	102	46	or	or	CCONJ
fsr-3778	102	47	consumer	consumer	NOUN
fsr-3778	102	48	debt	debt	NOUN
fsr-3778	102	49	payments	payment	NOUN
fsr-3778	102	50	to	to	ADP
fsr-3778	102	51	income	income	NOUN
fsr-3778	102	52	.	.	PUNCT
fsr-3778	103	1	those	those	PRON
fsr-3778	103	2	who	who	PRON
fsr-3778	103	3	had	have	AUX
fsr-3778	103	4	obtained	obtain	VERB
fsr-3778	103	5	credit	credit	NOUN
fsr-3778	103	6	from	from	ADP
fsr-3778	103	7	finance	finance	NOUN
fsr-3778	103	8	companies	company	NOUN
fsr-3778	103	9	,	,	PUNCT
fsr-3778	103	10	stores	store	NOUN
fsr-3778	103	11	,	,	PUNCT
fsr-3778	103	12	or	or	CCONJ
fsr-3778	103	13	dealers	dealer	NOUN
fsr-3778	103	14	were	be	AUX
fsr-3778	103	15	substantially	substantially	ADV
fsr-3778	103	16	more	more	ADV
fsr-3778	103	17	likely	likely	ADJ
fsr-3778	103	18	to	to	PART
fsr-3778	103	19	be	be	AUX
fsr-3778	103	20	late	late	ADJ
fsr-3778	103	21	or	or	CCONJ
fsr-3778	103	22	behind	behind	ADV
fsr-3778	103	23	than	than	ADP
fsr-3778	103	24	those	those	PRON
fsr-3778	103	25	who	who	PRON
fsr-3778	103	26	borrowed	borrow	VERB
fsr-3778	103	27	from	from	ADP
fsr-3778	103	28	banks	bank	NOUN
fsr-3778	103	29	,	,	PUNCT
fsr-3778	103	30	credit	credit	NOUN
fsr-3778	103	31	unions	union	NOUN
fsr-3778	103	32	,	,	PUNCT
fsr-3778	103	33	or	or	CCONJ
fsr-3778	103	34	savings	saving	NOUN
fsr-3778	103	35	and	and	CCONJ
fsr-3778	103	36	loan	loan	NOUN
fsr-3778	103	37	associations	association	NOUN
fsr-3778	103	38	.	.	PUNCT
fsr-3778	104	1	canner	canner	NOUN
fsr-3778	104	2	and	and	CCONJ
fsr-3778	104	3	luckett	luckett	PROPN
fsr-3778	104	4	(	(	PUNCT
fsr-3778	104	5	1990	1990	NUM
fsr-3778	104	6	)	)	PUNCT
fsr-3778	104	7	pointed	point	VERB
fsr-3778	104	8	out	out	ADP
fsr-3778	104	9	a	a	DET
fsr-3778	104	10	limitation	limitation	NOUN
fsr-3778	104	11	of	of	ADP
fsr-3778	104	12	the	the	DET
fsr-3778	104	13	sullivan	sullivan	PROPN
fsr-3778	104	14	and	and	CCONJ
fsr-3778	104	15	fisher	fisher	PROPN
fsr-3778	104	16	study	study	NOUN
fsr-3778	104	17	that	that	PRON
fsr-3778	104	18	is	be	AUX
fsr-3778	104	19	,	,	PUNCT
fsr-3778	104	20	the	the	DET
fsr-3778	104	21	respondents	respondent	NOUN
fsr-3778	104	22	had	have	AUX
fsr-3778	104	23	already	already	ADV
fsr-3778	104	24	been	be	AUX
fsr-3778	104	25	screened	screen	VERB
fsr-3778	104	26	by	by	ADP
fsr-3778	104	27	lenders	lender	NOUN
fsr-3778	104	28	,	,	PUNCT
fsr-3778	104	29	who	who	PRON
fsr-3778	104	30	had	have	AUX
fsr-3778	104	31	weeded	weed	VERB
fsr-3778	104	32	out	out	ADP
fsr-3778	104	33	those	those	PRON
fsr-3778	104	34	at	at	ADP
fsr-3778	104	35	greatest	great	ADJ
fsr-3778	104	36	risk	risk	NOUN
fsr-3778	104	37	of	of	ADP
fsr-3778	104	38	default	default	NOUN
fsr-3778	104	39	.	.	PUNCT
fsr-3778	105	1	therefore	therefore	ADV
fsr-3778	105	2	,	,	PUNCT
fsr-3778	105	3	the	the	DET
fsr-3778	105	4	results	result	NOUN
fsr-3778	105	5	showed	show	VERB
fsr-3778	105	6	factors	factor	NOUN
fsr-3778	105	7	associated	associate	VERB
fsr-3778	105	8	with	with	ADP
fsr-3778	105	9	missed	miss	VERB
fsr-3778	105	10	payments	payment	NOUN
fsr-3778	105	11	given	give	VERB
fsr-3778	105	12	the	the	DET
fsr-3778	105	13	credit	credit	NOUN
fsr-3778	105	14	standards	standard	NOUN
fsr-3778	105	15	prevailing	prevail	VERB
fsr-3778	105	16	in	in	ADP
fsr-3778	105	17	the	the	DET
fsr-3778	105	18	marketplace	marketplace	NOUN
fsr-3778	105	19	but	but	CCONJ
fsr-3778	105	20	not	not	PART
fsr-3778	105	21	which	which	DET
fsr-3778	105	22	factors	factor	NOUN
fsr-3778	105	23	were	be	AUX
fsr-3778	105	24	associated	associate	VERB
fsr-3778	105	25	with	with	ADP
fsr-3778	105	26	risk	risk	NOUN
fsr-3778	105	27	of	of	ADP
fsr-3778	105	28	default	default	NOUN
fsr-3778	105	29	.	.	PUNCT
fsr-3778	106	1	further	far	ADV
fsr-3778	106	2	,	,	PUNCT
fsr-3778	106	3	the	the	DET
fsr-3778	106	4	study	study	NOUN
fsr-3778	106	5	did	do	AUX
fsr-3778	106	6	not	not	PART
fsr-3778	106	7	consider	consider	VERB
fsr-3778	106	8	interrelationships	interrelationship	NOUN
fsr-3778	106	9	among	among	ADP
fsr-3778	106	10	the	the	DET
fsr-3778	106	11	variables	variable	NOUN
fsr-3778	106	12	.	.	PUNCT
fsr-3778	107	1	subsequently	subsequently	ADV
fsr-3778	107	2	,	,	PUNCT
fsr-3778	107	3	canner	canner	NOUN
fsr-3778	107	4	and	and	CCONJ
fsr-3778	107	5	luckett	luckett	PROPN
fsr-3778	107	6	(	(	PUNCT
fsr-3778	107	7	1990	1990	NUM
fsr-3778	107	8	)	)	PUNCT
fsr-3778	107	9	used	use	VERB
fsr-3778	107	10	multivariate	multivariate	NOUN
fsr-3778	107	11	analysis	analysis	NOUN
fsr-3778	107	12	to	to	PART
fsr-3778	107	13	study	study	VERB
fsr-3778	107	14	the	the	DET
fsr-3778	107	15	data	datum	NOUN
fsr-3778	107	16	.	.	PUNCT
fsr-3778	108	1	a	a	DET
fsr-3778	108	2	logistic	logistic	ADJ
fsr-3778	108	3	regression	regression	NOUN
fsr-3778	108	4	was	be	AUX
fsr-3778	108	5	performed	perform	VERB
fsr-3778	108	6	to	to	PART
fsr-3778	108	7	estimate	estimate	VERB
fsr-3778	108	8	the	the	DET
fsr-3778	108	9	probability	probability	NOUN
fsr-3778	108	10	that	that	SCONJ
fsr-3778	108	11	a	a	DET
fsr-3778	108	12	borrower	borrower	NOUN
fsr-3778	108	13	would	would	AUX
fsr-3778	108	14	be	be	AUX
fsr-3778	108	15	late	late	ADJ
fsr-3778	108	16	or	or	CCONJ
fsr-3778	108	17	delinquent	delinquent	ADJ
fsr-3778	108	18	holding	hold	VERB
fsr-3778	108	19	the	the	DET
fsr-3778	108	20	values	value	NOUN
fsr-3778	108	21	of	of	ADP
fsr-3778	108	22	the	the	DET
fsr-3778	108	23	other	other	ADJ
fsr-3778	108	24	variables	variable	NOUN
fsr-3778	108	25	constant	constant	ADJ
fsr-3778	108	26	.	.	PUNCT
fsr-3778	109	1	they	they	PRON
fsr-3778	109	2	found	find	VERB
fsr-3778	109	3	that	that	SCONJ
fsr-3778	109	4	the	the	DET
fsr-3778	109	5	variable	variable	NOUN
fsr-3778	109	6	for	for	ADP
fsr-3778	109	7	prior	prior	ADJ
fsr-3778	109	8	credit	credit	NOUN
fsr-3778	109	9	history	history	NOUN
fsr-3778	109	10	-	-	PUNCT
fsr-3778	109	11	whether	whether	SCONJ
fsr-3778	109	12	the	the	DET
fsr-3778	109	13	person	person	NOUN
fsr-3778	109	14	had	have	AUX
fsr-3778	109	15	been	be	AUX
fsr-3778	109	16	previously	previously	ADV
fsr-3778	109	17	rejected	reject	VERB
fsr-3778	109	18	for	for	ADP
fsr-3778	109	19	credit	credit	NOUN
fsr-3778	109	20	-	-	PUNCT
fsr-3778	109	21	had	have	VERB
fsr-3778	109	22	the	the	DET
fsr-3778	109	23	greatest	great	ADJ
fsr-3778	109	24	statistical	statistical	ADJ
fsr-3778	109	25	significance	significance	NOUN
fsr-3778	109	26	as	as	ADP
fsr-3778	109	27	a	a	DET
fsr-3778	109	28	predictor	predictor	NOUN
fsr-3778	109	29	of	of	ADP
fsr-3778	109	30	late	late	ADJ
fsr-3778	109	31	or	or	CCONJ
fsr-3778	109	32	missed	miss	VERB
fsr-3778	109	33	payments	payment	NOUN
fsr-3778	109	34	.	.	PUNCT
fsr-3778	110	1	other	other	ADJ
fsr-3778	110	2	important	important	ADJ
fsr-3778	110	3	variables	variable	NOUN
fsr-3778	110	4	were	be	AUX
fsr-3778	110	5	age	age	NOUN
fsr-3778	110	6	and	and	CCONJ
fsr-3778	110	7	amount	amount	NOUN
fsr-3778	110	8	of	of	ADP
fsr-3778	110	9	liquid	liquid	ADJ
fsr-3778	110	10	assets	asset	NOUN
fsr-3778	110	11	relative	relative	ADJ
fsr-3778	110	12	to	to	ADP
fsr-3778	110	13	debt	debt	NOUN
fsr-3778	110	14	.	.	PUNCT
fsr-3778	111	1	just	just	ADV
fsr-3778	111	2	as	as	SCONJ
fsr-3778	111	3	sullivan	sullivan	PROPN
fsr-3778	111	4	and	and	CCONJ
fsr-3778	111	5	fisher	fisher	PROPN
fsr-3778	111	6	found	find	VERB
fsr-3778	111	7	a	a	DET
fsr-3778	111	8	strong	strong	ADJ
fsr-3778	111	9	positive	positive	ADJ
fsr-3778	111	10	relationship	relationship	NOUN
fsr-3778	111	11	for	for	ADP
fsr-3778	111	12	age	age	NOUN
fsr-3778	111	13	to	to	ADP
fsr-3778	111	14	repayment	repayment	NOUN
fsr-3778	111	15	of	of	ADP
fsr-3778	111	16	debt	debt	NOUN
fsr-3778	111	17	,	,	PUNCT
fsr-3778	111	18	and	and	CCONJ
fsr-3778	111	19	for	for	ADP
fsr-3778	111	20	the	the	DET
fsr-3778	111	21	ratio	ratio	NOUN
fsr-3778	111	22	of	of	ADP
fsr-3778	111	23	liquid	liquid	ADJ
fsr-3778	111	24	assets	asset	NOUN
fsr-3778	111	25	to	to	ADP
fsr-3778	111	26	consumer	consumer	NOUN
fsr-3778	111	27	debt	debt	NOUN
fsr-3778	111	28	and	and	CCONJ
fsr-3778	111	29	timely	timely	ADJ
fsr-3778	111	30	repayment	repayment	NOUN
fsr-3778	111	31	of	of	ADP
fsr-3778	111	32	debt	debt	NOUN
fsr-3778	111	33	,	,	PUNCT
fsr-3778	111	34	so	so	ADV
fsr-3778	111	35	did	do	VERB
fsr-3778	111	36	canner	canner	NOUN
fsr-3778	111	37	and	and	CCONJ
fsr-3778	111	38	luckett	luckett	PROPN
fsr-3778	111	39	.	.	PUNCT
fsr-3778	112	1	further	far	ADV
fsr-3778	112	2	,	,	PUNCT
fsr-3778	112	3	households	household	NOUN
fsr-3778	112	4	with	with	ADP
fsr-3778	112	5	more	more	ADJ
fsr-3778	112	6	children	child	NOUN
fsr-3778	112	7	had	have	VERB
fsr-3778	112	8	a	a	DET
fsr-3778	112	9	greater	great	ADJ
fsr-3778	112	10	probability	probability	NOUN
fsr-3778	112	11	of	of	ADP
fsr-3778	112	12	missed	missed	ADJ
fsr-3778	112	13	or	or	CCONJ
fsr-3778	112	14	late	late	ADJ
fsr-3778	112	15	payments	payment	NOUN
fsr-3778	112	16	.	.	PUNCT
fsr-3778	113	1	in	in	ADP
fsr-3778	113	2	contrast	contrast	NOUN
fsr-3778	113	3	to	to	ADP
fsr-3778	113	4	sullivan	sullivan	PROPN
fsr-3778	113	5	and	and	CCONJ
fsr-3778	113	6	fisher	fisher	PROPN
fsr-3778	113	7	’s	’s	PART
fsr-3778	113	8	findings	finding	NOUN
fsr-3778	113	9	,	,	PUNCT
fsr-3778	113	10	canner	canner	NOUN
fsr-3778	113	11	and	and	CCONJ
fsr-3778	113	12	luckett	luckett	PROPN
fsr-3778	113	13	did	do	AUX
fsr-3778	113	14	not	not	PART
fsr-3778	113	15	find	find	VERB
fsr-3778	113	16	a	a	DET
fsr-3778	113	17	significant	significant	ADJ
fsr-3778	113	18	relationship	relationship	NOUN
fsr-3778	113	19	between	between	ADP
fsr-3778	113	20	income	income	NOUN
fsr-3778	113	21	,	,	PUNCT
fsr-3778	113	22	education	education	NOUN
fsr-3778	113	23	,	,	PUNCT
fsr-3778	113	24	or	or	CCONJ
fsr-3778	113	25	housing	housing	NOUN
fsr-3778	113	26	tenure	tenure	NOUN
fsr-3778	113	27	and	and	CCONJ
fsr-3778	113	28	late	late	ADJ
fsr-3778	113	29	or	or	CCONJ
fsr-3778	113	30	missed	miss	VERB
fsr-3778	113	31	payments	payment	NOUN
fsr-3778	113	32	.	.	PUNCT
fsr-3778	114	1	canner	canner	NOUN
fsr-3778	114	2	and	and	CCONJ
fsr-3778	114	3	luckett	luckett	PROPN
fsr-3778	114	4	suggested	suggest	VERB
fsr-3778	114	5	that	that	SCONJ
fsr-3778	114	6	creditors	creditor	NOUN
fsr-3778	114	7	may	may	AUX
fsr-3778	114	8	have	have	AUX
fsr-3778	114	9	done	do	VERB
fsr-3778	114	10	a	a	DET
fsr-3778	114	11	competent	competent	ADJ
fsr-3778	114	12	job	job	NOUN
fsr-3778	114	13	of	of	ADP
fsr-3778	114	14	accounting	account	VERB
fsr-3778	114	15	for	for	ADP
fsr-3778	114	16	income	income	NOUN
fsr-3778	114	17	in	in	ADP
fsr-3778	114	18	the	the	DET
fsr-3778	114	19	loan	loan	NOUN
fsr-3778	114	20	approval	approval	NOUN
fsr-3778	114	21	process	process	NOUN
fsr-3778	114	22	.	.	PUNCT
fsr-3778	115	1	the	the	DET
fsr-3778	115	2	federal	federal	PROPN
fsr-3778	115	3	reserve	reserve	PROPN
fsr-3778	115	4	board	board	PROPN
fsr-3778	115	5	surveyed	survey	VERB
fsr-3778	115	6	1,534	1,534	NUM
fsr-3778	115	7	families	family	NOUN
fsr-3778	115	8	as	as	ADP
fsr-3778	115	9	part	part	NOUN
fsr-3778	115	10	of	of	ADP
fsr-3778	115	11	the	the	DET
fsr-3778	115	12	survey	survey	NOUN
fsr-3778	115	13	of	of	ADP
fsr-3778	115	14	consumer	consumer	NOUN
fsr-3778	115	15	attitudes	attitude	NOUN
fsr-3778	115	16	(	(	PUNCT
fsr-3778	115	17	canner	canner	NOUN
fsr-3778	115	18	&	&	CCONJ
fsr-3778	115	19	luckett	luckett	PROPN
fsr-3778	115	20	,	,	PUNCT
fsr-3778	115	21	1991	1991	NUM
fsr-3778	115	22	)	)	PUNCT
fsr-3778	115	23	to	to	PART
fsr-3778	115	24	obtain	obtain	VERB
fsr-3778	115	25	information	information	NOUN
fsr-3778	115	26	on	on	ADP
fsr-3778	115	27	consumer	consumer	NOUN
fsr-3778	115	28	debt	debt	NOUN
fsr-3778	115	29	.	.	PUNCT
fsr-3778	116	1	eighty	eighty	NUM
fsr-3778	116	2	-	-	PUNCT
fsr-3778	116	3	five	five	NUM
fsr-3778	116	4	percent	percent	NOUN
fsr-3778	116	5	of	of	ADP
fsr-3778	116	6	all	all	DET
fsr-3778	116	7	households	household	NOUN
fsr-3778	116	8	had	have	VERB
fsr-3778	116	9	an	an	DET
fsr-3778	116	10	outstanding	outstanding	ADJ
fsr-3778	116	11	debt	debt	NOUN
fsr-3778	116	12	obligation	obligation	NOUN
fsr-3778	116	13	or	or	CCONJ
fsr-3778	116	14	access	access	NOUN
fsr-3778	116	15	to	to	ADP
fsr-3778	116	16	a	a	DET
fsr-3778	116	17	line	line	NOUN
fsr-3778	116	18	of	of	ADP
fsr-3778	116	19	credit	credit	NOUN
fsr-3778	116	20	.	.	PUNCT
fsr-3778	117	1	among	among	ADP
fsr-3778	117	2	all	all	DET
fsr-3778	117	3	households	household	NOUN
fsr-3778	117	4	,	,	PUNCT
fsr-3778	117	5	45	45	NUM
fsr-3778	117	6	%	%	NOUN
fsr-3778	117	7	had	have	VERB
fsr-3778	117	8	only	only	ADV
fsr-3778	117	9	consumer	consumer	NOUN
fsr-3778	117	10	credit	credit	NOUN
fsr-3778	117	11	debt	debt	NOUN
fsr-3778	117	12	;	;	PUNCT
fsr-3778	117	13	3	3	NUM
fsr-3778	117	14	%	%	NOUN
fsr-3778	117	15	had	have	VERB
fsr-3778	117	16	only	only	ADV
fsr-3778	117	17	home	home	NOUN
fsr-3778	117	18	mortgage	mortgage	NOUN
fsr-3778	117	19	debt	debt	NOUN
fsr-3778	117	20	,	,	PUNCT
fsr-3778	117	21	and	and	CCONJ
fsr-3778	117	22	38	38	NUM
fsr-3778	117	23	%	%	NOUN
fsr-3778	117	24	had	have	VERB
fsr-3778	117	25	both	both	CCONJ
fsr-3778	117	26	outstanding	outstanding	ADJ
fsr-3778	117	27	mortgage	mortgage	NOUN
fsr-3778	117	28	and	and	CCONJ
fsr-3778	117	29	consumer	consumer	NOUN
fsr-3778	117	30	debt	debt	NOUN
fsr-3778	117	31	.	.	PUNCT
fsr-3778	118	1	about	about	ADV
fsr-3778	118	2	14	14	NUM
fsr-3778	118	3	%	%	NOUN
fsr-3778	118	4	of	of	ADP
fsr-3778	118	5	households	household	NOUN
fsr-3778	118	6	with	with	ADP
fsr-3778	118	7	debt	debt	NOUN
fsr-3778	118	8	reported	report	VERB
fsr-3778	118	9	that	that	SCONJ
fsr-3778	118	10	they	they	PRON
fsr-3778	118	11	were	be	AUX
fsr-3778	118	12	late	late	ADJ
fsr-3778	118	13	for	for	ADP
fsr-3778	118	14	at	at	ADV
fsr-3778	118	15	least	least	ADJ
fsr-3778	118	16	one	one	NUM
fsr-3778	118	17	of	of	ADP
fsr-3778	118	18	the	the	DET
fsr-3778	118	19	scheduled	scheduled	ADJ
fsr-3778	118	20	debt	debt	NOUN
fsr-3778	118	21	payments	payment	NOUN
fsr-3778	118	22	.	.	PUNCT
fsr-3778	119	1	payments	payment	NOUN
fsr-3778	119	2	that	that	PRON
fsr-3778	119	3	were	be	AUX
fsr-3778	119	4	frequently	frequently	ADV
fsr-3778	119	5	reported	report	VERB
fsr-3778	119	6	as	as	ADP
fsr-3778	119	7	being	be	AUX
fsr-3778	119	8	late	late	ADJ
fsr-3778	119	9	were	be	AUX
fsr-3778	119	10	vehicle	vehicle	NOUN
fsr-3778	119	11	loans	loan	NOUN
fsr-3778	119	12	,	,	PUNCT
fsr-3778	119	13	other	other	ADJ
fsr-3778	119	14	types	type	NOUN
fsr-3778	119	15	of	of	ADP
fsr-3778	119	16	non	non	ADJ
fsr-3778	119	17	-	-	ADJ
fsr-3778	119	18	credit	credit	ADJ
fsr-3778	119	19	-	-	PUNCT
fsr-3778	119	20	card	card	NOUN
fsr-3778	119	21	installment	installment	NOUN
fsr-3778	119	22	debt	debt	NOUN
fsr-3778	119	23	,	,	PUNCT
fsr-3778	119	24	and	and	CCONJ
fsr-3778	119	25	credit	credit	NOUN
fsr-3778	119	26	card	card	NOUN
fsr-3778	119	27	debt	debt	NOUN
fsr-3778	119	28	.	.	PUNCT
fsr-3778	120	1	persons	person	NOUN
fsr-3778	120	2	who	who	PRON
fsr-3778	120	3	were	be	AUX
fsr-3778	120	4	more	more	ADV
fsr-3778	120	5	likely	likely	ADJ
fsr-3778	120	6	to	to	PART
fsr-3778	120	7	have	have	VERB
fsr-3778	120	8	payment	payment	NOUN
fsr-3778	120	9	problems	problem	NOUN
fsr-3778	120	10	were	be	AUX
fsr-3778	120	11	renters	renter	NOUN
fsr-3778	120	12	,	,	PUNCT
fsr-3778	120	13	divorced	divorce	VERB
fsr-3778	120	14	or	or	CCONJ
fsr-3778	120	15	separated	separate	VERB
fsr-3778	120	16	persons	person	NOUN
fsr-3778	120	17	,	,	PUNCT
fsr-3778	120	18	and	and	CCONJ
fsr-3778	120	19	those	those	PRON
fsr-3778	120	20	with	with	ADP
fsr-3778	120	21	the	the	DET
fsr-3778	120	22	highest	high	ADJ
fsr-3778	120	23	debt	debt	NOUN
fsr-3778	120	24	-	-	PUNCT
fsr-3778	120	25	service	service	NOUN
fsr-3778	120	26	burdens	burden	NOUN
fsr-3778	120	27	.	.	PUNCT
fsr-3778	121	1	households	household	NOUN
fsr-3778	121	2	headed	head	VERB
fsr-3778	121	3	by	by	ADP
fsr-3778	121	4	people	people	NOUN
fsr-3778	121	5	under	under	ADP
fsr-3778	121	6	age	age	NOUN
fsr-3778	121	7	35	35	NUM
fsr-3778	121	8	were	be	AUX
fsr-3778	121	9	nearly	nearly	ADV
fsr-3778	121	10	four	four	NUM
fsr-3778	121	11	times	time	NOUN
fsr-3778	121	12	as	as	ADV
fsr-3778	121	13	likely	likely	ADJ
fsr-3778	121	14	to	to	PART
fsr-3778	121	15	report	report	VERB
fsr-3778	121	16	payment	payment	NOUN
fsr-3778	121	17	problems	problem	NOUN
fsr-3778	121	18	as	as	SCONJ
fsr-3778	121	19	were	be	AUX
fsr-3778	121	20	those	those	PRON
fsr-3778	121	21	headed	head	VERB
fsr-3778	121	22	by	by	ADP
fsr-3778	121	23	an	an	DET
fsr-3778	121	24	individual	individual	NOUN
fsr-3778	121	25	at	at	ADP
fsr-3778	121	26	least	least	ADV
fsr-3778	121	27	55	55	NUM
fsr-3778	121	28	years	year	NOUN
fsr-3778	121	29	of	of	ADP
fsr-3778	121	30	age	age	NOUN
fsr-3778	121	31	.	.	PUNCT
fsr-3778	122	1	canner	canner	NOUN
fsr-3778	122	2	and	and	CCONJ
fsr-3778	122	3	luckett	luckett	PROPN
fsr-3778	122	4	(	(	PUNCT
fsr-3778	122	5	1991	1991	NUM
fsr-3778	122	6	)	)	PUNCT
fsr-3778	122	7	found	find	VERB
fsr-3778	122	8	that	that	SCONJ
fsr-3778	122	9	9	9	NUM
fsr-3778	122	10	%	%	NOUN
fsr-3778	122	11	of	of	ADP
fsr-3778	122	12	all	all	DET
fsr-3778	122	13	indebted	indebted	ADJ
fsr-3778	122	14	households	household	NOUN
fsr-3778	122	15	fell	fall	VERB
fsr-3778	122	16	behind	behind	ADP
fsr-3778	122	17	more	more	ADJ
fsr-3778	122	18	than	than	ADP
fsr-3778	122	19	30	30	NUM
fsr-3778	122	20	days	day	NOUN
fsr-3778	122	21	on	on	ADP
fsr-3778	122	22	one	one	NUM
fsr-3778	122	23	or	or	CCONJ
fsr-3778	122	24	more	more	ADJ
fsr-3778	122	25	of	of	ADP
fsr-3778	122	26	their	their	PRON
fsr-3778	122	27	debt	debt	NOUN
fsr-3778	122	28	obligations	obligation	NOUN
fsr-3778	122	29	in	in	ADP
fsr-3778	122	30	the	the	DET
fsr-3778	122	31	year	year	NOUN
fsr-3778	122	32	prior	prior	ADV
fsr-3778	122	33	to	to	ADP
fsr-3778	122	34	the	the	DET
fsr-3778	122	35	survey	survey	NOUN
fsr-3778	122	36	.	.	PUNCT
fsr-3778	123	1	roughly	roughly	ADV
fsr-3778	123	2	3	3	NUM
fsr-3778	123	3	%	%	NOUN
fsr-3778	123	4	of	of	ADP
fsr-3778	123	5	all	all	DET
fsr-3778	123	6	debtors	debtor	NOUN
fsr-3778	123	7	fell	fall	VERB
fsr-3778	123	8	more	more	ADJ
fsr-3778	123	9	than	than	ADP
fsr-3778	123	10	three	three	NUM
fsr-3778	123	11	payments	payment	NOUN
fsr-3778	123	12	behind	behind	ADV
fsr-3778	123	13	within	within	ADP
fsr-3778	123	14	a	a	DET
fsr-3778	123	15	1zmonth	1zmonth	NUM
fsr-3778	123	16	period	period	NOUN
fsr-3778	123	17	.	.	PUNCT
fsr-3778	124	1	of	of	ADP
fsr-3778	124	2	the	the	DET
fsr-3778	124	3	families	family	NOUN
fsr-3778	124	4	experiencing	experience	VERB
fsr-3778	124	5	payment	payment	NOUN
fsr-3778	124	6	problems	problem	NOUN
fsr-3778	124	7	,	,	PUNCT
fsr-3778	124	8	55	55	NUM
fsr-3778	124	9	%	%	NOUN
fsr-3778	124	10	indicated	indicate	VERB
fsr-3778	124	11	that	that	SCONJ
fsr-3778	124	12	they	they	PRON
fsr-3778	124	13	became	become	VERB
fsr-3778	124	14	overextended	overextend	VERB
fsr-3778	124	15	;	;	PUNCT
fsr-3778	124	16	24	24	NUM
fsr-3778	124	17	%	%	NOUN
fsr-3778	124	18	either	either	CCONJ
fsr-3778	124	19	lost	lose	VERB
fsr-3778	124	20	their	their	PRON
fsr-3778	124	21	jobs	job	NOUN
fsr-3778	124	22	,	,	PUNCT
fsr-3778	124	23	were	be	AUX
fsr-3778	124	24	not	not	PART
fsr-3778	124	25	working	work	VERB
fsr-3778	124	26	,	,	PUNCT
fsr-3778	124	27	or	or	CCONJ
fsr-3778	124	28	had	have	AUX
fsr-3778	124	29	experienced	experience	VERB
fsr-3778	124	30	a	a	DET
fsr-3778	124	31	cutback	cutback	NOUN
fsr-3778	124	32	in	in	ADP
fsr-3778	124	33	the	the	DET
fsr-3778	124	34	number	number	NOUN
fsr-3778	124	35	of	of	ADP
fsr-3778	124	36	hours	hour	NOUN
fsr-3778	124	37	worked	work	VERB
fsr-3778	124	38	,	,	PUNCT
fsr-3778	124	39	and	and	CCONJ
fsr-3778	124	40	6	6	NUM
fsr-3778	124	41	%	%	NOUN
fsr-3778	124	42	experienced	experienced	ADJ
fsr-3778	124	43	medical	medical	ADJ
fsr-3778	124	44	-	-	PUNCT
fsr-3778	124	45	related	relate	VERB
fsr-3778	124	46	problems	problem	NOUN
fsr-3778	124	47	.	.	PUNCT
fsr-3778	125	1	nearly	nearly	ADV
fsr-3778	125	2	40	40	NUM
fsr-3778	125	3	%	%	NOUN
fsr-3778	125	4	of	of	ADP
fsr-3778	125	5	those	those	PRON
fsr-3778	125	6	having	have	VERB
fsr-3778	125	7	debt	debt	NOUN
fsr-3778	125	8	repayment	repayment	NOUN
fsr-3778	125	9	problems	problem	NOUN
fsr-3778	125	10	reported	report	VERB
fsr-3778	125	11	that	that	SCONJ
fsr-3778	125	12	they	they	PRON
fsr-3778	125	13	paid	pay	VERB
fsr-3778	125	14	delinquent	delinquent	ADJ
fsr-3778	125	15	bills	bill	NOUN
fsr-3778	125	16	the	the	DET
fsr-3778	125	17	following	follow	VERB
fsr-3778	125	18	month	month	NOUN
fsr-3778	125	19	or	or	CCONJ
fsr-3778	125	20	“	"	PUNCT
fsr-3778	125	21	when	when	SCONJ
fsr-3778	125	22	they	they	PRON
fsr-3778	125	23	were	be	AUX
fsr-3778	125	24	able	able	ADJ
fsr-3778	125	25	.	.	PUNCT
fsr-3778	125	26	”	"	PUNCT
fsr-3778	126	1	others	other	NOUN
fsr-3778	126	2	with	with	ADP
fsr-3778	126	3	debt	debt	NOUN
fsr-3778	126	4	problems	problem	NOUN
fsr-3778	126	5	reduced	reduce	VERB
fsr-3778	126	6	spending	spending	NOUN
fsr-3778	126	7	,	,	PUNCT
fsr-3778	126	8	took	take	VERB
fsr-3778	126	9	second	second	ADJ
fsr-3778	126	10	jobs	job	NOUN
fsr-3778	126	11	,	,	PUNCT
fsr-3778	126	12	worked	work	VERB
fsr-3778	126	13	longer	long	ADJ
fsr-3778	126	14	hours	hour	NOUN
fsr-3778	126	15	,	,	PUNCT
fsr-3778	126	16	sold	sell	VERB
fsr-3778	126	17	items	item	NOUN
fsr-3778	126	18	to	to	PART
fsr-3778	126	19	raise	raise	VERB
fsr-3778	126	20	money	money	NOUN
fsr-3778	126	21	,	,	PUNCT
fsr-3778	126	22	or	or	CCONJ
fsr-3778	126	23	borrowed	borrow	VERB
fsr-3778	126	24	from	from	ADP
fsr-3778	126	25	friends	friend	NOUN
fsr-3778	126	26	or	or	CCONJ
fsr-3778	126	27	relatives	relative	NOUN
fsr-3778	126	28	.	.	PUNCT
fsr-3778	127	1	financial	financial	ADJ
fsr-3778	127	2	services	service	NOUN
fsr-3778	127	3	review	review	NOUN
fsr-3778	127	4	4(2	4(2	NUM
fsr-3778	127	5	)	)	PUNCT
fsr-3778	127	6	1995	1995	NUM
fsr-3778	127	7	b.	b.	PROPN
fsr-3778	127	8	default	default	NOUN
fsr-3778	127	9	on	on	ADP
fsr-3778	127	10	auto	auto	NOUN
fsr-3778	127	11	loans	loan	NOUN
fsr-3778	127	12	the	the	DET
fsr-3778	127	13	possibility	possibility	NOUN
fsr-3778	127	14	that	that	SCONJ
fsr-3778	127	15	the	the	DET
fsr-3778	127	16	relationship	relationship	NOUN
fsr-3778	127	17	of	of	ADP
fsr-3778	127	18	default	default	NOUN
fsr-3778	127	19	risk	risk	NOUN
fsr-3778	127	20	to	to	ADP
fsr-3778	127	21	personal	personal	ADJ
fsr-3778	127	22	attributes	attribute	NOUN
fsr-3778	127	23	such	such	ADJ
fsr-3778	127	24	as	as	ADP
fsr-3778	127	25	occupation	occupation	NOUN
fsr-3778	127	26	and	and	CCONJ
fsr-3778	127	27	employment	employment	NOUN
fsr-3778	127	28	might	might	AUX
fsr-3778	127	29	vary	vary	VERB
fsr-3778	127	30	when	when	SCONJ
fsr-3778	127	31	size	size	NOUN
fsr-3778	127	32	of	of	ADP
fsr-3778	127	33	down	down	ADJ
fsr-3778	127	34	payment	payment	NOUN
fsr-3778	127	35	varied	varied	ADJ
fsr-3778	127	36	was	be	AUX
fsr-3778	127	37	investigated	investigate	VERB
fsr-3778	127	38	by	by	ADP
fsr-3778	127	39	peterson	peterson	NOUN
fsr-3778	127	40	and	and	CCONJ
fsr-3778	127	41	peterson	peterson	PROPN
fsr-3778	127	42	(	(	PUNCT
fsr-3778	127	43	1981	1981	NUM
fsr-3778	127	44	)	)	PUNCT
fsr-3778	127	45	.	.	PUNCT
fsr-3778	128	1	the	the	DET
fsr-3778	128	2	researchers	researcher	NOUN
fsr-3778	128	3	postulated	postulate	VERB
fsr-3778	128	4	that	that	SCONJ
fsr-3778	128	5	interactions	interaction	NOUN
fsr-3778	128	6	could	could	AUX
fsr-3778	128	7	exist	exist	VERB
fsr-3778	128	8	among	among	ADP
fsr-3778	128	9	borrower	borrower	NOUN
fsr-3778	128	10	characteristics	characteristic	NOUN
fsr-3778	128	11	,	,	PUNCT
fsr-3778	128	12	loan	loan	NOUN
fsr-3778	128	13	terms	term	NOUN
fsr-3778	128	14	,	,	PUNCT
fsr-3778	128	15	and	and	CCONJ
fsr-3778	128	16	default	default	NOUN
fsr-3778	128	17	risk	risk	NOUN
fsr-3778	128	18	.	.	PUNCT
fsr-3778	129	1	using	use	VERB
fsr-3778	129	2	data	datum	NOUN
fsr-3778	129	3	from	from	ADP
fsr-3778	129	4	the	the	DET
fsr-3778	129	5	federal	federal	PROPN
fsr-3778	129	6	reserve	reserve	NOUN
fsr-3778	129	7	system	system	NOUN
fsr-3778	129	8	on	on	ADP
fsr-3778	129	9	commercial	commercial	ADJ
fsr-3778	129	10	bank	bank	NOUN
fsr-3778	129	11	lending	lending	NOUN
fsr-3778	129	12	to	to	ADP
fsr-3778	129	13	consumers	consumer	NOUN
fsr-3778	129	14	for	for	ADP
fsr-3778	129	15	auto	auto	NOUN
fsr-3778	129	16	loans	loan	NOUN
fsr-3778	129	17	from	from	ADP
fsr-3778	129	18	1965	1965	NUM
fsr-3778	129	19	to	to	ADP
fsr-3778	129	20	1970	1970	NUM
fsr-3778	129	21	,	,	PUNCT
fsr-3778	129	22	peterson	peterson	PROPN
fsr-3778	129	23	and	and	CCONJ
fsr-3778	129	24	peterson	peterson	NOUN
fsr-3778	129	25	showed	show	VERB
fsr-3778	129	26	that	that	SCONJ
fsr-3778	129	27	changing	change	VERB
fsr-3778	129	28	the	the	DET
fsr-3778	129	29	amount	amount	NOUN
fsr-3778	129	30	of	of	ADP
fsr-3778	129	31	down	down	ADJ
fsr-3778	129	32	payment	payment	NOUN
fsr-3778	129	33	altered	alter	VERB
fsr-3778	129	34	the	the	DET
fsr-3778	129	35	risk	risk	NOUN
fsr-3778	129	36	of	of	ADP
fsr-3778	129	37	default	default	NOUN
fsr-3778	129	38	.	.	PUNCT
fsr-3778	130	1	they	they	PRON
fsr-3778	130	2	found	find	VERB
fsr-3778	130	3	that	that	SCONJ
fsr-3778	130	4	default	default	NOUN
fsr-3778	130	5	rates	rate	NOUN
fsr-3778	130	6	fell	fall	VERB
fsr-3778	130	7	substantially	substantially	ADV
fsr-3778	130	8	if	if	SCONJ
fsr-3778	130	9	down	down	ADJ
fsr-3778	130	10	payments	payment	NOUN
fsr-3778	130	11	were	be	AUX
fsr-3778	130	12	as	as	ADV
fsr-3778	130	13	high	high	ADJ
fsr-3778	130	14	as	as	ADP
fsr-3778	130	15	20	20	NUM
fsr-3778	130	16	%	%	NOUN
fsr-3778	130	17	of	of	ADP
fsr-3778	130	18	the	the	DET
fsr-3778	130	19	loan	loan	NOUN
fsr-3778	130	20	.	.	PUNCT
fsr-3778	131	1	peterson	peterson	PROPN
fsr-3778	131	2	and	and	CCONJ
fsr-3778	131	3	peterson	peterson	PROPN
fsr-3778	131	4	extended	extend	VERB
fsr-3778	131	5	the	the	DET
fsr-3778	131	6	study	study	NOUN
fsr-3778	131	7	to	to	PART
fsr-3778	131	8	examine	examine	VERB
fsr-3778	131	9	default	default	NOUN
fsr-3778	131	10	rates	rate	NOUN
fsr-3778	131	11	by	by	ADP
fsr-3778	131	12	occupational	occupational	ADJ
fsr-3778	131	13	group	group	NOUN
fsr-3778	131	14	and	and	CCONJ
fsr-3778	131	15	size	size	NOUN
fsr-3778	131	16	of	of	ADP
fsr-3778	131	17	down	down	ADJ
fsr-3778	131	18	payment	payment	NOUN
fsr-3778	131	19	.	.	PUNCT
fsr-3778	132	1	professionals	professional	NOUN
fsr-3778	132	2	had	have	VERB
fsr-3778	132	3	a	a	DET
fsr-3778	132	4	much	much	ADV
fsr-3778	132	5	lower	low	ADJ
fsr-3778	132	6	default	default	NOUN
fsr-3778	132	7	rate	rate	NOUN
fsr-3778	132	8	than	than	ADP
fsr-3778	132	9	other	other	ADJ
fsr-3778	132	10	groups	group	NOUN
fsr-3778	132	11	and	and	CCONJ
fsr-3778	132	12	drivers	driver	NOUN
fsr-3778	132	13	or	or	CCONJ
fsr-3778	132	14	laborers	laborer	NOUN
fsr-3778	132	15	had	have	VERB
fsr-3778	132	16	the	the	DET
fsr-3778	132	17	highest	high	ADJ
fsr-3778	132	18	default	default	NOUN
fsr-3778	132	19	rate	rate	NOUN
fsr-3778	132	20	.	.	PUNCT
fsr-3778	133	1	however	however	ADV
fsr-3778	133	2	,	,	PUNCT
fsr-3778	133	3	when	when	SCONJ
fsr-3778	133	4	cash	cash	NOUN
fsr-3778	133	5	down	down	ADP
fsr-3778	133	6	payments	payment	NOUN
fsr-3778	133	7	were	be	AUX
fsr-3778	133	8	over	over	ADP
fsr-3778	133	9	30	30	NUM
fsr-3778	133	10	%	%	NOUN
fsr-3778	133	11	of	of	ADP
fsr-3778	133	12	the	the	DET
fsr-3778	133	13	auto	auto	NOUN
fsr-3778	133	14	loan	loan	NOUN
fsr-3778	133	15	,	,	PUNCT
fsr-3778	133	16	the	the	DET
fsr-3778	133	17	borrower	borrower	NOUN
fsr-3778	133	18	’s	’s	PART
fsr-3778	133	19	occupation	occupation	NOUN
fsr-3778	133	20	was	be	AUX
fsr-3778	133	21	not	not	PART
fsr-3778	133	22	significantly	significantly	ADV
fsr-3778	133	23	related	relate	VERB
fsr-3778	133	24	to	to	ADP
fsr-3778	133	25	default	default	NOUN
fsr-3778	133	26	rates	rate	NOUN
fsr-3778	133	27	.	.	PUNCT
fsr-3778	134	1	then	then	ADV
fsr-3778	134	2	,	,	PUNCT
fsr-3778	134	3	peterson	peterson	PROPN
fsr-3778	134	4	and	and	CCONJ
fsr-3778	134	5	peterson	peterson	NOUN
fsr-3778	134	6	compared	compare	VERB
fsr-3778	134	7	age	age	NOUN
fsr-3778	134	8	to	to	ADP
fsr-3778	134	9	the	the	DET
fsr-3778	134	10	size	size	NOUN
fsr-3778	134	11	of	of	ADP
fsr-3778	134	12	the	the	DET
fsr-3778	134	13	down	down	ADJ
fsr-3778	134	14	payment	payment	NOUN
fsr-3778	134	15	and	and	CCONJ
fsr-3778	134	16	found	find	VERB
fsr-3778	134	17	that	that	SCONJ
fsr-3778	134	18	when	when	SCONJ
fsr-3778	134	19	down	down	ADJ
fsr-3778	134	20	payments	payment	NOUN
fsr-3778	134	21	exceeded	exceed	VERB
fsr-3778	134	22	30	30	NUM
fsr-3778	134	23	%	%	NOUN
fsr-3778	134	24	,	,	PUNCT
fsr-3778	134	25	default	default	NOUN
fsr-3778	134	26	rates	rate	NOUN
fsr-3778	134	27	wereconsiderably	wereconsiderably	ADV
fsr-3778	134	28	reduced	reduce	VERB
fsr-3778	134	29	for	for	ADP
fsr-3778	134	30	all	all	DET
fsr-3778	134	31	borrowers	borrower	NOUN
fsr-3778	134	32	but	but	CCONJ
fsr-3778	134	33	default	default	NOUN
fsr-3778	134	34	was	be	AUX
fsr-3778	134	35	still	still	ADV
fsr-3778	134	36	twice	twice	ADV
fsr-3778	134	37	as	as	ADV
fsr-3778	134	38	high	high	ADJ
fsr-3778	134	39	for	for	ADP
fsr-3778	134	40	younger	young	ADJ
fsr-3778	134	41	as	as	SCONJ
fsr-3778	134	42	compared	compare	VERB
fsr-3778	134	43	to	to	ADP
fsr-3778	134	44	older	old	ADJ
fsr-3778	134	45	borrowers	borrower	NOUN
fsr-3778	134	46	.	.	PUNCT
fsr-3778	135	1	peterson	peterson	PROPN
fsr-3778	135	2	and	and	CCONJ
fsr-3778	135	3	peterson	peterson	PROPN
fsr-3778	135	4	concluded	conclude	VERB
fsr-3778	135	5	that	that	SCONJ
fsr-3778	135	6	creditors	creditor	NOUN
fsr-3778	135	7	should	should	AUX
fsr-3778	135	8	consider	consider	VERB
fsr-3778	135	9	the	the	DET
fsr-3778	135	10	size	size	NOUN
fsr-3778	135	11	of	of	ADP
fsr-3778	135	12	the	the	DET
fsr-3778	135	13	down	down	ADJ
fsr-3778	135	14	payment	payment	NOUN
fsr-3778	135	15	when	when	SCONJ
fsr-3778	135	16	evaluating	evaluate	VERB
fsr-3778	135	17	credit	credit	NOUN
fsr-3778	135	18	risk	risk	NOUN
fsr-3778	135	19	.	.	PUNCT
fsr-3778	136	1	however	however	ADV
fsr-3778	136	2	,	,	PUNCT
fsr-3778	136	3	they	they	PRON
fsr-3778	136	4	cautioned	caution	VERB
fsr-3778	136	5	that	that	SCONJ
fsr-3778	136	6	the	the	DET
fsr-3778	136	7	down	down	ADJ
fsr-3778	136	8	payment	payment	NOUN
fsr-3778	136	9	needed	need	VERB
fsr-3778	136	10	to	to	PART
fsr-3778	136	11	represent	represent	VERB
fsr-3778	136	12	voluntary	voluntary	ADJ
fsr-3778	136	13	saving	saving	NOUN
fsr-3778	136	14	by	by	ADP
fsr-3778	136	15	the	the	DET
fsr-3778	136	16	borrower	borrower	NOUN
fsr-3778	136	17	,	,	PUNCT
fsr-3778	136	18	not	not	PART
fsr-3778	136	19	borrowing	borrow	VERB
fsr-3778	136	20	from	from	ADP
fsr-3778	136	21	other	other	ADJ
fsr-3778	136	22	sources	source	NOUN
fsr-3778	136	23	.	.	PUNCT
fsr-3778	137	1	livingstone	livingstone	PROPN
fsr-3778	137	2	and	and	CCONJ
fsr-3778	137	3	lunt	lunt	PROPN
fsr-3778	137	4	(	(	PUNCT
fsr-3778	137	5	1992	1992	NUM
fsr-3778	137	6	)	)	PUNCT
fsr-3778	137	7	looked	look	VERB
fsr-3778	137	8	at	at	ADP
fsr-3778	137	9	the	the	DET
fsr-3778	137	10	growth	growth	NOUN
fsr-3778	137	11	of	of	ADP
fsr-3778	137	12	personal	personal	ADJ
fsr-3778	137	13	debt	debt	NOUN
fsr-3778	137	14	in	in	ADP
fsr-3778	137	15	the	the	DET
fsr-3778	137	16	united	united	ADJ
fsr-3778	137	17	kingdom	kingdom	PROPN
fsr-3778	137	18	,	,	PUNCT
fsr-3778	137	19	which	which	PRON
fsr-3778	137	20	has	have	AUX
fsr-3778	137	21	experienced	experience	VERB
fsr-3778	137	22	similar	similar	ADJ
fsr-3778	137	23	growth	growth	NOUN
fsr-3778	137	24	of	of	ADP
fsr-3778	137	25	debt	debt	NOUN
fsr-3778	137	26	as	as	ADP
fsr-3778	137	27	in	in	ADP
fsr-3778	137	28	the	the	DET
fsr-3778	137	29	united	united	PROPN
fsr-3778	137	30	states	states	PROPN
fsr-3778	137	31	.	.	PUNCT
fsr-3778	138	1	in	in	ADP
fsr-3778	138	2	1981	1981	NUM
fsr-3778	138	3	,	,	PUNCT
fsr-3778	138	4	the	the	DET
fsr-3778	138	5	ratio	ratio	NOUN
fsr-3778	138	6	of	of	ADP
fsr-3778	138	7	outstanding	outstanding	ADJ
fsr-3778	138	8	debt	debt	NOUN
fsr-3778	138	9	to	to	ADP
fsr-3778	138	10	annual	annual	ADJ
fsr-3778	138	11	household	household	NOUN
fsr-3778	138	12	disposable	disposable	ADJ
fsr-3778	138	13	income	income	NOUN
fsr-3778	138	14	was	be	AUX
fsr-3778	138	15	8	8	NUM
fsr-3778	138	16	%	%	NOUN
fsr-3778	138	17	;	;	PUNCT
fsr-3778	138	18	in	in	ADP
fsr-3778	138	19	1988	1988	NUM
fsr-3778	138	20	,	,	PUNCT
fsr-3778	138	21	it	it	PRON
fsr-3778	138	22	was	be	AUX
fsr-3778	138	23	14	14	NUM
fsr-3778	138	24	%	%	NOUN
fsr-3778	138	25	.	.	PUNCT
fsr-3778	139	1	livingstone	livingstone	PROPN
fsr-3778	139	2	and	and	CCONJ
fsr-3778	139	3	lunt	lunt	PROPN
fsr-3778	139	4	believed	believe	VERB
fsr-3778	139	5	that	that	SCONJ
fsr-3778	139	6	a	a	DET
fsr-3778	139	7	possible	possible	ADJ
fsr-3778	139	8	explanation	explanation	NOUN
fsr-3778	139	9	for	for	ADP
fsr-3778	139	10	the	the	DET
fsr-3778	139	11	increase	increase	NOUN
fsr-3778	139	12	in	in	ADP
fsr-3778	139	13	personal	personal	ADJ
fsr-3778	139	14	debt	debt	NOUN
fsr-3778	139	15	would	would	AUX
fsr-3778	139	16	involve	involve	VERB
fsr-3778	139	17	psychological	psychological	ADJ
fsr-3778	139	18	,	,	PUNCT
fsr-3778	139	19	social	social	ADJ
fsr-3778	139	20	,	,	PUNCT
fsr-3778	139	21	and	and	CCONJ
fsr-3778	139	22	economic	economic	ADJ
fsr-3778	139	23	determinants	determinant	NOUN
fsr-3778	139	24	.	.	PUNCT
fsr-3778	140	1	analysis	analysis	NOUN
fsr-3778	140	2	of	of	ADP
fsr-3778	140	3	personal	personal	ADJ
fsr-3778	140	4	debt	debt	NOUN
fsr-3778	140	5	and	and	CCONJ
fsr-3778	140	6	debt	debt	NOUN
fsr-3778	140	7	repayment	repayment	NOUN
fsr-3778	140	8	of	of	ADP
fsr-3778	140	9	a	a	DET
fsr-3778	140	10	sample	sample	NOUN
fsr-3778	140	11	of	of	ADP
fsr-3778	140	12	predominantly	predominantly	ADV
fsr-3778	140	13	lower	lower	ADV
fsr-3778	140	14	-	-	PUNCT
fsr-3778	140	15	middle	middle	ADJ
fsr-3778	140	16	-	-	PUNCT
fsr-3778	140	17	class	class	NOUN
fsr-3778	140	18	/	/	SYM
fsr-3778	140	19	upper	upper	ADV
fsr-3778	140	20	-	-	PUNCT
fsr-3778	140	21	working	work	VERB
fsr-3778	140	22	class	class	NOUN
fsr-3778	140	23	respondents	respondent	NOUN
fsr-3778	140	24	in	in	ADP
fsr-3778	140	25	1989	1989	NUM
fsr-3778	140	26	produced	produce	VERB
fsr-3778	140	27	results	result	NOUN
fsr-3778	140	28	which	which	PRON
fsr-3778	140	29	in	in	ADP
fsr-3778	140	30	several	several	ADJ
fsr-3778	140	31	respects	respect	NOUN
fsr-3778	140	32	contradict	contradict	VERB
fsr-3778	140	33	those	those	PRON
fsr-3778	140	34	previously	previously	ADV
fsr-3778	140	35	reported	report	VERB
fsr-3778	140	36	.	.	PUNCT
fsr-3778	141	1	debt	debt	NOUN
fsr-3778	141	2	repayment	repayment	NOUN
fsr-3778	141	3	was	be	AUX
fsr-3778	141	4	not	not	PART
fsr-3778	141	5	significantly	significantly	ADV
fsr-3778	141	6	predicted	predict	VERB
fsr-3778	141	7	by	by	ADP
fsr-3778	141	8	so&demographic	so&demographic	ADJ
fsr-3778	141	9	variables	variable	NOUN
fsr-3778	141	10	such	such	ADJ
fsr-3778	141	11	as	as	ADP
fsr-3778	141	12	social	social	ADJ
fsr-3778	141	13	class	class	NOUN
fsr-3778	141	14	,	,	PUNCT
fsr-3778	141	15	age	age	NOUN
fsr-3778	141	16	,	,	PUNCT
fsr-3778	141	17	or	or	CCONJ
fsr-3778	141	18	the	the	DET
fsr-3778	141	19	number	number	NOUN
fsr-3778	141	20	of	of	ADP
fsr-3778	141	21	dependent	dependent	ADJ
fsr-3778	141	22	children	child	NOUN
fsr-3778	141	23	;	;	PUNCT
fsr-3778	141	24	however	however	ADV
fsr-3778	141	25	,	,	PUNCT
fsr-3778	141	26	the	the	DET
fsr-3778	141	27	amount	amount	NOUN
fsr-3778	141	28	of	of	ADP
fsr-3778	141	29	disposable	disposable	ADJ
fsr-3778	141	30	income	income	NOUN
fsr-3778	141	31	was	be	AUX
fsr-3778	141	32	an	an	DET
fsr-3778	141	33	important	important	ADJ
fsr-3778	141	34	predictor	predictor	NOUN
fsr-3778	141	35	of	of	ADP
fsr-3778	141	36	the	the	DET
fsr-3778	141	37	amount	amount	NOUN
fsr-3778	141	38	of	of	ADP
fsr-3778	141	39	regular	regular	ADJ
fsr-3778	141	40	debt	debt	NOUN
fsr-3778	141	41	repayment	repayment	NOUN
fsr-3778	141	42	.	.	PUNCT
fsr-3778	142	1	the	the	DET
fsr-3778	142	2	more	more	ADJ
fsr-3778	142	3	income	income	NOUN
fsr-3778	142	4	people	people	NOUN
fsr-3778	142	5	had	have	VERB
fsr-3778	142	6	,	,	PUNCT
fsr-3778	142	7	the	the	PRON
fsr-3778	142	8	more	more	ADV
fsr-3778	142	9	likely	likely	ADJ
fsr-3778	142	10	they	they	PRON
fsr-3778	142	11	were	be	AUX
fsr-3778	142	12	to	to	PART
fsr-3778	142	13	make	make	VERB
fsr-3778	142	14	regular	regular	ADJ
fsr-3778	142	15	payments	payment	NOUN
fsr-3778	142	16	on	on	ADP
fsr-3778	142	17	debt	debt	NOUN
fsr-3778	142	18	.	.	PUNCT
fsr-3778	143	1	the	the	DET
fsr-3778	143	2	livingstone	livingstone	PROPN
fsr-3778	143	3	and	and	CCONJ
fsr-3778	143	4	lunt	lunt	PROPN
fsr-3778	143	5	study	study	NOUN
fsr-3778	143	6	found	find	VERB
fsr-3778	143	7	that	that	SCONJ
fsr-3778	143	8	those	those	PRON
fsr-3778	143	9	who	who	PRON
fsr-3778	143	10	repaid	repay	VERB
fsr-3778	143	11	a	a	DET
fsr-3778	143	12	greater	great	ADJ
fsr-3778	143	13	amount	amount	NOUN
fsr-3778	143	14	were	be	AUX
fsr-3778	143	15	more	more	ADV
fsr-3778	143	16	concerned	concerned	ADJ
fsr-3778	143	17	with	with	ADP
fsr-3778	143	18	personal	personal	ADJ
fsr-3778	143	19	achievement	achievement	NOUN
fsr-3778	143	20	and	and	CCONJ
fsr-3778	143	21	self	self	NOUN
fsr-3778	143	22	-	-	PUNCT
fsr-3778	143	23	direction	direction	NOUN
fsr-3778	143	24	.	.	PUNCT
fsr-3778	144	1	the	the	DET
fsr-3778	144	2	findings	finding	NOUN
fsr-3778	144	3	showed	show	VERB
fsr-3778	144	4	that	that	SCONJ
fsr-3778	144	5	having	have	VERB
fsr-3778	144	6	a	a	DET
fsr-3778	144	7	positive	positive	ADJ
fsr-3778	144	8	attitude	attitude	NOUN
fsr-3778	144	9	toward	toward	ADP
fsr-3778	144	10	credit	credit	NOUN
fsr-3778	144	11	was	be	AUX
fsr-3778	144	12	a	a	DET
fsr-3778	144	13	predictor	predictor	NOUN
fsr-3778	144	14	of	of	ADP
fsr-3778	144	15	repayment	repayment	NOUN
fsr-3778	144	16	of	of	ADP
fsr-3778	144	17	more	more	ADJ
fsr-3778	144	18	debt	debt	NOUN
fsr-3778	144	19	.	.	PUNCT
fsr-3778	145	1	also	also	ADV
fsr-3778	145	2	,	,	PUNCT
fsr-3778	145	3	those	those	PRON
fsr-3778	145	4	who	who	PRON
fsr-3778	145	5	repaid	repay	VERB
fsr-3778	145	6	more	more	ADV
fsr-3778	145	7	acknowledged	acknowledge	VERB
fsr-3778	145	8	that	that	SCONJ
fsr-3778	145	9	their	their	PRON
fsr-3778	145	10	use	use	NOUN
fsr-3778	145	11	of	of	ADP
fsr-3778	145	12	credit	credit	NOUN
fsr-3778	145	13	was	be	AUX
fsr-3778	145	14	a	a	DET
fsr-3778	145	15	result	result	NOUN
fsr-3778	145	16	of	of	ADP
fsr-3778	145	17	external	external	ADJ
fsr-3778	145	18	uncontrollable	uncontrollable	ADJ
fsr-3778	145	19	needs	need	NOUN
fsr-3778	145	20	and	and	CCONJ
fsr-3778	145	21	not	not	PART
fsr-3778	145	22	caused	cause	VERB
fsr-3778	145	23	by	by	ADP
fsr-3778	145	24	their	their	PRON
fsr-3778	145	25	own	own	ADJ
fsr-3778	145	26	greed	greed	NOUN
fsr-3778	145	27	or	or	CCONJ
fsr-3778	145	28	simply	simply	ADV
fsr-3778	145	29	the	the	DET
fsr-3778	145	30	convenience	convenience	NOUN
fsr-3778	145	31	of	of	ADP
fsr-3778	145	32	credit	credit	NOUN
fsr-3778	145	33	.	.	PUNCT
fsr-3778	146	1	the	the	DET
fsr-3778	146	2	respondents	respondent	NOUN
fsr-3778	146	3	viewed	view	VERB
fsr-3778	146	4	debt	debt	NOUN
fsr-3778	146	5	repayment	repayment	NOUN
fsr-3778	146	6	as	as	ADP
fsr-3778	146	7	a	a	DET
fsr-3778	146	8	budgeting	budgeting	NOUN
fsr-3778	146	9	strategy	strategy	NOUN
fsr-3778	146	10	.	.	PUNCT
fsr-3778	147	1	a	a	DET
fsr-3778	147	2	limitation	limitation	NOUN
fsr-3778	147	3	of	of	ADP
fsr-3778	147	4	this	this	DET
fsr-3778	147	5	study	study	NOUN
fsr-3778	147	6	is	be	AUX
fsr-3778	147	7	that	that	SCONJ
fsr-3778	147	8	the	the	DET
fsr-3778	147	9	analysis	analysis	NOUN
fsr-3778	147	10	focused	focus	VERB
fsr-3778	147	11	on	on	ADP
fsr-3778	147	12	the	the	DET
fsr-3778	147	13	amount	amount	NOUN
fsr-3778	147	14	of	of	ADP
fsr-3778	147	15	debt	debt	NOUN
fsr-3778	147	16	repayment	repayment	NOUN
fsr-3778	147	17	,	,	PUNCT
fsr-3778	147	18	not	not	PART
fsr-3778	147	19	on	on	ADP
fsr-3778	147	20	late	late	ADJ
fsr-3778	147	21	payment	payment	NOUN
fsr-3778	147	22	or	or	CCONJ
fsr-3778	147	23	default	default	NOUN
fsr-3778	147	24	.	.	PUNCT
fsr-3778	148	1	c.	c.	NOUN
fsr-3778	148	2	propensity	propensity	NOUN
fsr-3778	148	3	for	for	ADP
fsr-3778	148	4	insolvency	insolvency	NOUN
fsr-3778	148	5	the	the	DET
fsr-3778	148	6	effect	effect	NOUN
fsr-3778	148	7	of	of	ADP
fsr-3778	148	8	age	age	NOUN
fsr-3778	148	9	,	,	PUNCT
fsr-3778	148	10	income	income	NOUN
fsr-3778	148	11	,	,	PUNCT
fsr-3778	148	12	and	and	CCONJ
fsr-3778	148	13	marital	marital	ADJ
fsr-3778	148	14	status	status	NOUN
fsr-3778	148	15	on	on	ADP
fsr-3778	148	16	the	the	DET
fsr-3778	148	17	propensity	propensity	NOUN
fsr-3778	148	18	for	for	ADP
fsr-3778	148	19	insolvency	insolvency	NOUN
fsr-3778	148	20	was	be	AUX
fsr-3778	148	21	analyzed	analyze	VERB
fsr-3778	148	22	using	use	VERB
fsr-3778	148	23	data	datum	NOUN
fsr-3778	148	24	from	from	ADP
fsr-3778	148	25	the	the	DET
fsr-3778	148	26	1983	1983	NUM
fsr-3778	148	27	and	and	CCONJ
fsr-3778	148	28	1986	1986	NUM
fsr-3778	148	29	surveys	survey	NOUN
fsr-3778	148	30	of	of	ADP
fsr-3778	148	31	consumer	consumer	NOUN
fsr-3778	148	32	finance	finance	NOUN
fsr-3778	148	33	(	(	PUNCT
fsr-3778	148	34	devaney	devaney	PROPN
fsr-3778	148	35	&	&	CCONJ
fsr-3778	148	36	hanna	hanna	PROPN
fsr-3778	148	37	,	,	PUNCT
fsr-3778	148	38	1994	1994	NUM
fsr-3778	148	39	)	)	PUNCT
fsr-3778	148	40	.	.	PUNCT
fsr-3778	149	1	insolvency	insolvency	NOUN
fsr-3778	149	2	was	be	AUX
fsr-3778	149	3	defined	define	VERB
fsr-3778	149	4	as	as	ADP
fsr-3778	149	5	having	have	VERB
fsr-3778	149	6	a	a	DET
fsr-3778	149	7	net	net	ADJ
fsr-3778	149	8	worth	worth	NOUN
fsr-3778	149	9	less	less	ADJ
fsr-3778	149	10	than	than	ADP
fsr-3778	149	11	one	one	NUM
fsr-3778	149	12	month	month	NOUN
fsr-3778	149	13	’s	’s	PART
fsr-3778	149	14	income	income	NOUN
fsr-3778	149	15	.	.	PUNCT
fsr-3778	150	1	analysis	analysis	NOUN
fsr-3778	150	2	showed	show	VERB
fsr-3778	150	3	that	that	SCONJ
fsr-3778	150	4	age	age	NOUN
fsr-3778	150	5	of	of	ADP
fsr-3778	150	6	the	the	DET
fsr-3778	150	7	household	household	NOUN
fsr-3778	150	8	head	head	NOUN
fsr-3778	150	9	had	have	VERB
fsr-3778	150	10	a	a	DET
fsr-3778	150	11	negative	negative	ADJ
fsr-3778	150	12	relationship	relationship	NOUN
fsr-3778	150	13	with	with	ADP
fsr-3778	150	14	insolvency	insolvency	NOUN
fsr-3778	150	15	.	.	PUNCT
fsr-3778	151	1	income	income	NOUN
fsr-3778	151	2	had	have	VERB
fsr-3778	151	3	a	a	DET
fsr-3778	151	4	strong	strong	ADJ
fsr-3778	151	5	negative	negative	ADJ
fsr-3778	151	6	effect	effect	NOUN
fsr-3778	151	7	with	with	ADP
fsr-3778	151	8	on	on	ADP
fsr-3778	151	9	the	the	DET
fsr-3778	151	10	propensity	propensity	NOUN
fsr-3778	151	11	for	for	ADP
fsr-3778	151	12	insolvency	insolvency	NOUN
fsr-3778	151	13	.	.	PUNCT
fsr-3778	152	1	in	in	ADP
fsr-3778	152	2	the	the	DET
fsr-3778	152	3	first	first	ADJ
fsr-3778	152	4	time	time	NOUN
fsr-3778	152	5	period	period	NOUN
fsr-3778	152	6	(	(	PUNCT
fsr-3778	152	7	1983	1983	NUM
fsr-3778	152	8	)	)	PUNCT
fsr-3778	152	9	,	,	PUNCT
fsr-3778	152	10	married	married	ADJ
fsr-3778	152	11	couples	couple	NOUN
fsr-3778	152	12	had	have	VERB
fsr-3778	152	13	lower	low	ADJ
fsr-3778	152	14	predicted	predict	VERB
fsr-3778	152	15	insolvency	insolvency	NOUN
fsr-3778	152	16	rates	rate	NOUN
fsr-3778	152	17	than	than	ADP
fsr-3778	152	18	other	other	ADJ
fsr-3778	152	19	household	household	NOUN
fsr-3778	152	20	household	household	NOUN
fsr-3778	152	21	insolvency	insolvency	NOUN
fsr-3778	152	22	:	:	PUNCT
fsr-3778	152	23	debt	debt	NOUN
fsr-3778	152	24	repayment	repayment	NOUN
fsr-3778	152	25	,	,	PUNCT
fsr-3778	152	26	delinquency	delinquency	NOUN
fsr-3778	152	27	,	,	PUNCT
fsr-3778	152	28	and	and	CCONJ
fsr-3778	152	29	bankruptcy	bankruptcy	NOUN
fsr-3778	152	30	143	143	NUM
fsr-3778	152	31	types	type	NOUN
fsr-3778	152	32	,	,	PUNCT
fsr-3778	152	33	but	but	CCONJ
fsr-3778	152	34	in	in	ADP
fsr-3778	152	35	1986	1986	NUM
fsr-3778	152	36	,	,	PUNCT
fsr-3778	152	37	the	the	DET
fsr-3778	152	38	relationship	relationship	NOUN
fsr-3778	152	39	between	between	ADP
fsr-3778	152	40	marital	marital	ADJ
fsr-3778	152	41	status	status	NOUN
fsr-3778	152	42	and	and	CCONJ
fsr-3778	152	43	insolvency	insolvency	NOUN
fsr-3778	152	44	was	be	AUX
fsr-3778	152	45	unclear	unclear	ADJ
fsr-3778	152	46	.	.	PUNCT
fsr-3778	153	1	household	household	NOUN
fsr-3778	153	2	size	size	NOUN
fsr-3778	153	3	,	,	PUNCT
fsr-3778	153	4	education	education	NOUN
fsr-3778	153	5	,	,	PUNCT
fsr-3778	153	6	and	and	CCONJ
fsr-3778	153	7	race	race	NOUN
fsr-3778	153	8	were	be	AUX
fsr-3778	153	9	not	not	PART
fsr-3778	153	10	significant	significant	ADJ
fsr-3778	153	11	variables	variable	NOUN
fsr-3778	153	12	related	relate	VERB
fsr-3778	153	13	to	to	ADP
fsr-3778	153	14	insolvency	insolvency	NOUN
fsr-3778	153	15	in	in	ADP
fsr-3778	153	16	either	either	DET
fsr-3778	153	17	year	year	NOUN
fsr-3778	153	18	.	.	PUNCT
fsr-3778	154	1	d.	d.	PROPN
fsr-3778	154	2	bankruptcy	bankruptcy	PROPN
fsr-3778	154	3	according	accord	VERB
fsr-3778	154	4	to	to	ADP
fsr-3778	154	5	hira	hira	PROPN
fsr-3778	154	6	(	(	PUNCT
fsr-3778	154	7	1992	1992	NUM
fsr-3778	154	8	)	)	PUNCT
fsr-3778	154	9	,	,	PUNCT
fsr-3778	154	10	empirical	empirical	ADJ
fsr-3778	154	11	evidence	evidence	NOUN
fsr-3778	154	12	to	to	PART
fsr-3778	154	13	support	support	VERB
fsr-3778	154	14	a	a	DET
fsr-3778	154	15	philosophy	philosophy	NOUN
fsr-3778	154	16	of	of	ADP
fsr-3778	154	17	bankruptcy	bankruptcy	NOUN
fsr-3778	154	18	is	be	AUX
fsr-3778	154	19	fragmented	fragment	VERB
fsr-3778	154	20	and	and	CCONJ
fsr-3778	154	21	incomplete	incomplete	ADJ
fsr-3778	154	22	because	because	SCONJ
fsr-3778	154	23	it	it	PRON
fsr-3778	154	24	has	have	AUX
fsr-3778	154	25	been	be	AUX
fsr-3778	154	26	too	too	ADV
fsr-3778	154	27	broadly	broadly	ADV
fsr-3778	154	28	focused	focused	ADJ
fsr-3778	154	29	.	.	PUNCT
fsr-3778	155	1	nevertheless	nevertheless	ADV
fsr-3778	155	2	,	,	PUNCT
fsr-3778	155	3	re	re	AUX
fsr-3778	155	4	searchers	searcher	NOUN
fsr-3778	155	5	tend	tend	VERB
fsr-3778	155	6	to	to	PART
fsr-3778	155	7	formulate	formulate	VERB
fsr-3778	155	8	generalizations	generalization	NOUN
fsr-3778	155	9	based	base	VERB
fsr-3778	155	10	on	on	ADP
fsr-3778	155	11	the	the	DET
fsr-3778	155	12	empirical	empirical	ADJ
fsr-3778	155	13	evidence	evidence	NOUN
fsr-3778	155	14	which	which	PRON
fsr-3778	155	15	is	be	AUX
fsr-3778	155	16	available	available	ADJ
fsr-3778	155	17	.	.	PUNCT
fsr-3778	156	1	limitations	limitation	NOUN
fsr-3778	156	2	of	of	ADP
fsr-3778	156	3	early	early	ADJ
fsr-3778	156	4	empirical	empirical	ADJ
fsr-3778	156	5	studies	study	NOUN
fsr-3778	156	6	included	include	VERB
fsr-3778	156	7	the	the	DET
fsr-3778	156	8	size	size	NOUN
fsr-3778	156	9	,	,	PUNCT
fsr-3778	156	10	location	location	NOUN
fsr-3778	156	11	,	,	PUNCT
fsr-3778	156	12	and	and	CCONJ
fsr-3778	156	13	response	response	NOUN
fsr-3778	156	14	rate	rate	NOUN
fsr-3778	156	15	of	of	ADP
fsr-3778	156	16	the	the	DET
fsr-3778	156	17	sample	sample	NOUN
fsr-3778	156	18	.	.	PUNCT
fsr-3778	157	1	more	more	ADV
fsr-3778	157	2	recently	recently	ADV
fsr-3778	157	3	,	,	PUNCT
fsr-3778	157	4	researchers	researcher	NOUN
fsr-3778	157	5	have	have	AUX
fsr-3778	157	6	used	use	VERB
fsr-3778	157	7	data	datum	NOUN
fsr-3778	157	8	from	from	ADP
fsr-3778	157	9	large	large	ADJ
fsr-3778	157	10	,	,	PUNCT
fsr-3778	157	11	nationally	nationally	ADV
fsr-3778	157	12	representative	representative	ADJ
fsr-3778	157	13	samples	sample	NOUN
fsr-3778	157	14	.	.	PUNCT
fsr-3778	158	1	often	often	ADV
fsr-3778	158	2	studies	study	NOUN
fsr-3778	158	3	assume	assume	VERB
fsr-3778	158	4	that	that	SCONJ
fsr-3778	158	5	bankruptcy	bankruptcy	NOUN
fsr-3778	158	6	is	be	AUX
fsr-3778	158	7	associated	associate	VERB
fsr-3778	158	8	with	with	ADP
fsr-3778	158	9	a	a	DET
fsr-3778	158	10	fault	fault	NOUN
fsr-3778	158	11	and	and	CCONJ
fsr-3778	158	12	this	this	DET
fsr-3778	158	13	assumption	assumption	NOUN
fsr-3778	158	14	may	may	AUX
fsr-3778	158	15	introduce	introduce	VERB
fsr-3778	158	16	bias	bias	NOUN
fsr-3778	158	17	into	into	ADP
fsr-3778	158	18	the	the	DET
fsr-3778	158	19	conclusions	conclusion	NOUN
fsr-3778	158	20	(	(	PUNCT
fsr-3778	158	21	hira	hira	PROPN
fsr-3778	158	22	,	,	PUNCT
fsr-3778	158	23	1992	1992	NUM
fsr-3778	158	24	)	)	PUNCT
fsr-3778	158	25	.	.	PUNCT
fsr-3778	159	1	this	this	DET
fsr-3778	159	2	section	section	NOUN
fsr-3778	159	3	reviews	review	VERB
fsr-3778	159	4	several	several	ADJ
fsr-3778	159	5	empirical	empirical	ADJ
fsr-3778	159	6	studies	study	NOUN
fsr-3778	159	7	on	on	ADP
fsr-3778	159	8	bankruptcy	bankruptcy	NOUN
fsr-3778	159	9	.	.	PUNCT
fsr-3778	160	1	researchers	researcher	NOUN
fsr-3778	160	2	have	have	AUX
fsr-3778	160	3	sought	seek	VERB
fsr-3778	160	4	to	to	PART
fsr-3778	160	5	identify	identify	VERB
fsr-3778	160	6	causes	cause	NOUN
fsr-3778	160	7	of	of	ADP
fsr-3778	160	8	bankruptcy	bankruptcy	NOUN
fsr-3778	160	9	by	by	ADP
fsr-3778	160	10	studying	study	VERB
fsr-3778	160	11	the	the	DET
fsr-3778	160	12	financial	financial	ADJ
fsr-3778	160	13	and	and	CCONJ
fsr-3778	160	14	demographic	demographic	ADJ
fsr-3778	160	15	characteristics	characteristic	NOUN
fsr-3778	160	16	of	of	ADP
fsr-3778	160	17	those	those	PRON
fsr-3778	160	18	who	who	PRON
fsr-3778	160	19	claim	claim	VERB
fsr-3778	160	20	bankruptcy	bankruptcy	NOUN
fsr-3778	160	21	.	.	PUNCT
fsr-3778	161	1	studies	study	NOUN
fsr-3778	161	2	in	in	ADP
fsr-3778	161	3	the	the	DET
fsr-3778	161	4	1960s	1960	NOUN
fsr-3778	161	5	in	in	ADP
fsr-3778	161	6	michi	michi	PROPN
fsr-3778	161	7	gan	gan	PROPN
fsr-3778	161	8	and	and	CCONJ
fsr-3778	161	9	utah	utah	PROPN
fsr-3778	161	10	found	find	VERB
fsr-3778	161	11	that	that	SCONJ
fsr-3778	161	12	most	most	ADJ
fsr-3778	161	13	bankrupts	bankrupt	NOUN
fsr-3778	161	14	were	be	AUX
fsr-3778	161	15	employed	employ	VERB
fsr-3778	161	16	in	in	ADP
fsr-3778	161	17	lower	lower	ADV
fsr-3778	161	18	-	-	PUNCT
fsr-3778	161	19	paying	pay	VERB
fsr-3778	161	20	jobs	job	NOUN
fsr-3778	161	21	in	in	ADP
fsr-3778	161	22	unskilled	unskilled	ADJ
fsr-3778	161	23	or	or	CCONJ
fsr-3778	161	24	semi	semi	ADJ
fsr-3778	161	25	-	-	ADJ
fsr-3778	161	26	skilled	skilled	ADJ
fsr-3778	161	27	manual	manual	ADJ
fsr-3778	161	28	labor	labor	NOUN
fsr-3778	161	29	.	.	PUNCT
fsr-3778	162	1	however	however	ADV
fsr-3778	162	2	,	,	PUNCT
fsr-3778	162	3	most	most	ADJ
fsr-3778	162	4	were	be	AUX
fsr-3778	162	5	employed	employ	VERB
fsr-3778	162	6	when	when	SCONJ
fsr-3778	162	7	they	they	PRON
fsr-3778	162	8	filed	file	VERB
fsr-3778	162	9	forbankruptcy	forbankruptcy	NOUN
fsr-3778	162	10	.	.	PUNCT
fsr-3778	163	1	similarly	similarly	ADV
fsr-3778	163	2	,	,	PUNCT
fsr-3778	163	3	two	two	NUM
fsr-3778	163	4	surveys	survey	NOUN
fsr-3778	163	5	in	in	ADP
fsr-3778	163	6	the	the	DET
fsr-3778	163	7	1980s	1980	NOUN
fsr-3778	163	8	showed	show	VERB
fsr-3778	163	9	that	that	SCONJ
fsr-3778	163	10	about	about	ADV
fsr-3778	163	11	80	80	NUM
fsr-3778	163	12	%	%	NOUN
fsr-3778	163	13	of	of	ADP
fsr-3778	163	14	bankrupts	bankrupt	NOUN
fsr-3778	163	15	were	be	AUX
fsr-3778	163	16	employed	employ	VERB
fsr-3778	163	17	when	when	SCONJ
fsr-3778	163	18	they	they	PRON
fsr-3778	163	19	filed	file	VERB
fsr-3778	163	20	and	and	CCONJ
fsr-3778	163	21	that	that	SCONJ
fsr-3778	163	22	,	,	PUNCT
fsr-3778	163	23	of	of	ADP
fsr-3778	163	24	those	those	PRON
fsr-3778	163	25	who	who	PRON
fsr-3778	163	26	were	be	AUX
fsr-3778	163	27	employed	employ	VERB
fsr-3778	163	28	,	,	PUNCT
fsr-3778	163	29	most	most	ADJ
fsr-3778	163	30	were	be	AUX
fsr-3778	163	31	in	in	ADP
fsr-3778	163	32	blue	blue	ADJ
fsr-3778	163	33	-	-	PUNCT
fsr-3778	163	34	collar	collar	NOUN
fsr-3778	163	35	jobs	job	NOUN
fsr-3778	163	36	.	.	PUNCT
fsr-3778	164	1	in	in	ADP
fsr-3778	164	2	one	one	NUM
fsr-3778	164	3	of	of	ADP
fsr-3778	164	4	the	the	DET
fsr-3778	164	5	studies	study	NOUN
fsr-3778	164	6	,	,	PUNCT
fsr-3778	164	7	20	20	NUM
fsr-3778	164	8	%	%	NOUN
fsr-3778	164	9	of	of	ADP
fsr-3778	164	10	the	the	DET
fsr-3778	164	11	families	family	NOUN
fsr-3778	164	12	had	have	VERB
fsr-3778	164	13	two	two	NUM
fsr-3778	164	14	incomes	income	NOUN
fsr-3778	164	15	(	(	PUNCT
fsr-3778	164	16	sullivan	sullivan	PROPN
fsr-3778	164	17	,	,	PUNCT
fsr-3778	164	18	warren	warren	PROPN
fsr-3778	164	19	,	,	PUNCT
fsr-3778	164	20	&	&	CCONJ
fsr-3778	164	21	westbrook	westbrook	PROPN
fsr-3778	164	22	,	,	PUNCT
fsr-3778	164	23	1989	1989	NUM
fsr-3778	164	24	)	)	PUNCT
fsr-3778	164	25	.	.	PUNCT
fsr-3778	165	1	in	in	ADP
fsr-3778	165	2	research	research	NOUN
fsr-3778	165	3	using	use	VERB
fsr-3778	165	4	aggregate	aggregate	ADJ
fsr-3778	165	5	data	datum	NOUN
fsr-3778	165	6	on	on	ADP
fsr-3778	165	7	consumer	consumer	NOUN
fsr-3778	165	8	bankruptcies	bankruptcy	NOUN
fsr-3778	165	9	from	from	ADP
fsr-3778	165	10	1945	1945	NUM
fsr-3778	165	11	to	to	ADP
fsr-3778	165	12	1981	1981	NUM
fsr-3778	165	13	,	,	PUNCT
fsr-3778	165	14	shepard	shepard	NOUN
fsr-3778	165	15	(	(	PUNCT
fsr-3778	165	16	1984	1984	NUM
fsr-3778	165	17	)	)	PUNCT
fsr-3778	165	18	found	find	VERB
fsr-3778	165	19	a	a	DET
fsr-3778	165	20	positive	positive	ADJ
fsr-3778	165	21	relationship	relationship	NOUN
fsr-3778	165	22	between	between	ADP
fsr-3778	165	23	divorce	divorce	NOUN
fsr-3778	165	24	rates	rate	NOUN
fsr-3778	165	25	and	and	CCONJ
fsr-3778	165	26	the	the	DET
fsr-3778	165	27	ratio	ratio	NOUN
fsr-3778	165	28	of	of	ADP
fsr-3778	165	29	consumer	consumer	NOUN
fsr-3778	165	30	installment	installment	NOUN
fsr-3778	165	31	and	and	CCONJ
fsr-3778	165	32	non	non	ADJ
fsr-3778	165	33	-	-	ADJ
fsr-3778	165	34	installment	installment	ADJ
fsr-3778	165	35	debt	debt	NOUN
fsr-3778	165	36	to	to	ADP
fsr-3778	165	37	income	income	NOUN
fsr-3778	165	38	and	and	CCONJ
fsr-3778	165	39	bankruptcy	bankruptcy	NOUN
fsr-3778	165	40	rates	rate	NOUN
fsr-3778	165	41	.	.	PUNCT
fsr-3778	166	1	also	also	ADV
fsr-3778	166	2	,	,	PUNCT
fsr-3778	166	3	nonwhites	nonwhite	NOUN
fsr-3778	166	4	were	be	AUX
fsr-3778	166	5	positively	positively	ADV
fsr-3778	166	6	associated	associate	VERB
fsr-3778	166	7	to	to	ADP
fsr-3778	166	8	the	the	DET
fsr-3778	166	9	rate	rate	NOUN
fsr-3778	166	10	of	of	ADP
fsr-3778	166	11	chapter	chapter	NOUN
fsr-3778	166	12	7	7	NUM
fsr-3778	166	13	-	-	PUNCT
fsr-3778	166	14	straight	straight	ADJ
fsr-3778	166	15	-	-	PUNCT
fsr-3778	166	16	bankruptcies	bankruptcy	NOUN
fsr-3778	166	17	.	.	PUNCT
fsr-3778	167	1	he	he	PRON
fsr-3778	167	2	showed	show	VERB
fsr-3778	167	3	a	a	DET
fsr-3778	167	4	negative	negative	ADJ
fsr-3778	167	5	relationship	relationship	NOUN
fsr-3778	167	6	between	between	ADP
fsr-3778	167	7	residential	residential	ADJ
fsr-3778	167	8	wealth	wealth	NOUN
fsr-3778	167	9	and	and	CCONJ
fsr-3778	167	10	bankruptcy	bankruptcy	NOUN
fsr-3778	167	11	rates	rate	NOUN
fsr-3778	167	12	.	.	PUNCT
fsr-3778	168	1	overall	overall	ADV
fsr-3778	168	2	,	,	PUNCT
fsr-3778	168	3	credit	credit	NOUN
fsr-3778	168	4	debt	debt	NOUN
fsr-3778	168	5	accounted	account	VERB
fsr-3778	168	6	for	for	ADP
fsr-3778	168	7	about	about	ADV
fsr-3778	168	8	80	80	NUM
fsr-3778	168	9	%	%	NOUN
fsr-3778	168	10	of	of	ADP
fsr-3778	168	11	the	the	DET
fsr-3778	168	12	increment	increment	NOUN
fsr-3778	168	13	in	in	ADP
fsr-3778	168	14	bankruptcy	bankruptcy	NOUN
fsr-3778	168	15	filings	filing	NOUN
fsr-3778	168	16	during	during	ADP
fsr-3778	168	17	the	the	DET
fsr-3778	168	18	period	period	NOUN
fsr-3778	168	19	investigated	investigate	VERB
fsr-3778	168	20	.	.	PUNCT
fsr-3778	169	1	sullivan	sullivan	PROPN
fsr-3778	169	2	et	et	PROPN
fsr-3778	169	3	al	al	PROPN
fsr-3778	169	4	.	.	PROPN
fsr-3778	170	1	(	(	PUNCT
fsr-3778	170	2	1989	1989	NUM
fsr-3778	170	3	)	)	PUNCT
fsr-3778	170	4	collected	collect	VERB
fsr-3778	170	5	data	datum	NOUN
fsr-3778	170	6	on	on	ADP
fsr-3778	170	7	1,529	1,529	NUM
fsr-3778	170	8	families	family	NOUN
fsr-3778	170	9	who	who	PRON
fsr-3778	170	10	filed	file	VERB
fsr-3778	170	11	for	for	ADP
fsr-3778	170	12	bankruptcy	bankruptcy	NOUN
fsr-3778	170	13	in	in	ADP
fsr-3778	170	14	illinois	illinois	PROPN
fsr-3778	170	15	,	,	PUNCT
fsr-3778	170	16	pennsylvania	pennsylvania	PROPN
fsr-3778	170	17	,	,	PUNCT
fsr-3778	170	18	and	and	CCONJ
fsr-3778	170	19	texas	texas	PROPN
fsr-3778	170	20	in	in	ADP
fsr-3778	170	21	1981	1981	NUM
fsr-3778	170	22	with	with	ADP
fsr-3778	170	23	the	the	DET
fsr-3778	170	24	intent	intent	NOUN
fsr-3778	170	25	of	of	ADP
fsr-3778	170	26	identifying	identify	VERB
fsr-3778	170	27	characteristics	characteristic	NOUN
fsr-3778	170	28	of	of	ADP
fsr-3778	170	29	bankruptcy	bankruptcy	NOUN
fsr-3778	170	30	filers	filer	NOUN
fsr-3778	170	31	and	and	CCONJ
fsr-3778	170	32	causes	cause	NOUN
fsr-3778	170	33	of	of	ADP
fsr-3778	170	34	filing	filing	NOUN
fsr-3778	170	35	for	for	ADP
fsr-3778	170	36	bankruptcy	bankruptcy	NOUN
fsr-3778	170	37	.	.	PUNCT
fsr-3778	171	1	they	they	PRON
fsr-3778	171	2	found	find	VERB
fsr-3778	171	3	that	that	SCONJ
fsr-3778	171	4	bankrupts	bankrupt	NOUN
fsr-3778	171	5	earned	earn	VERB
fsr-3778	171	6	about	about	ADV
fsr-3778	171	7	a	a	DET
fsr-3778	171	8	third	third	ADV
fsr-3778	171	9	less	less	ADJ
fsr-3778	171	10	income	income	NOUN
fsr-3778	171	11	than	than	ADP
fsr-3778	171	12	the	the	DET
fsr-3778	171	13	average	average	ADJ
fsr-3778	171	14	earner	earner	NOUN
fsr-3778	171	15	and	and	CCONJ
fsr-3778	171	16	that	that	SCONJ
fsr-3778	171	17	their	their	PRON
fsr-3778	171	18	households	household	NOUN
fsr-3778	171	19	were	be	AUX
fsr-3778	171	20	larger	large	ADJ
fsr-3778	171	21	(	(	PUNCT
fsr-3778	171	22	3.4	3.4	NUM
fsr-3778	171	23	members	member	NOUN
fsr-3778	171	24	compared	compare	VERB
fsr-3778	171	25	to	to	ADP
fsr-3778	171	26	2.7	2.7	NUM
fsr-3778	171	27	members	member	NOUN
fsr-3778	171	28	for	for	ADP
fsr-3778	171	29	the	the	DET
fsr-3778	171	30	general	general	ADJ
fsr-3778	171	31	population	population	NOUN
fsr-3778	171	32	)	)	PUNCT
fsr-3778	171	33	.	.	PUNCT
fsr-3778	172	1	while	while	SCONJ
fsr-3778	172	2	mortgage	mortgage	NOUN
fsr-3778	172	3	debt	debt	NOUN
fsr-3778	172	4	for	for	ADP
fsr-3778	172	5	the	the	DET
fsr-3778	172	6	bankrupts	bankrupt	NOUN
fsr-3778	172	7	was	be	AUX
fsr-3778	172	8	about	about	ADV
fsr-3778	172	9	average	average	ADJ
fsr-3778	172	10	,	,	PUNCT
fsr-3778	172	11	consumer	consumer	NOUN
fsr-3778	172	12	debt	debt	NOUN
fsr-3778	172	13	was	be	AUX
fsr-3778	172	14	excessive	excessive	ADJ
fsr-3778	172	15	when	when	SCONJ
fsr-3778	172	16	compared	compare	VERB
fsr-3778	172	17	to	to	ADP
fsr-3778	172	18	the	the	DET
fsr-3778	172	19	general	general	ADJ
fsr-3778	172	20	population	population	NOUN
fsr-3778	172	21	(	(	PUNCT
fsr-3778	172	22	$	$	SYM
fsr-3778	172	23	10,800	10,800	NUM
fsr-3778	172	24	compared	compare	VERB
fsr-3778	172	25	to	to	ADP
fsr-3778	172	26	$	$	SYM
fsr-3778	172	27	2,400	2,400	NUM
fsr-3778	172	28	)	)	PUNCT
fsr-3778	172	29	.	.	PUNCT
fsr-3778	173	1	mean	mean	VERB
fsr-3778	173	2	unsecured	unsecured	ADJ
fsr-3778	173	3	debt	debt	NOUN
fsr-3778	173	4	amounted	amount	VERB
fsr-3778	173	5	to	to	ADP
fsr-3778	173	6	$	$	SYM
fsr-3778	173	7	15,500	15,500	NUM
fsr-3778	173	8	for	for	ADP
fsr-3778	173	9	each	each	DET
fsr-3778	173	10	bankrupt	bankrupt	ADJ
fsr-3778	173	11	debtor	debtor	NOUN
fsr-3778	173	12	;	;	PUNCT
fsr-3778	173	13	this	this	PRON
fsr-3778	173	14	was	be	AUX
fsr-3778	173	15	about	about	ADV
fsr-3778	173	16	equal	equal	ADJ
fsr-3778	173	17	to	to	ADP
fsr-3778	173	18	the	the	DET
fsr-3778	173	19	average	average	ADJ
fsr-3778	173	20	bankrupt	bankrupt	NOUN
fsr-3778	173	21	’s	’s	PART
fsr-3778	173	22	annual	annual	ADJ
fsr-3778	173	23	income	income	NOUN
fsr-3778	173	24	.	.	PUNCT
fsr-3778	174	1	most	most	ADJ
fsr-3778	174	2	bankruptcy	bankruptcy	NOUN
fsr-3778	174	3	filers	filer	NOUN
fsr-3778	174	4	were	be	AUX
fsr-3778	174	5	unemployed	unemployed	ADJ
fsr-3778	174	6	during	during	ADP
fsr-3778	174	7	some	some	DET
fsr-3778	174	8	part	part	NOUN
fsr-3778	174	9	of	of	ADP
fsr-3778	174	10	the	the	DET
fsr-3778	174	11	two	two	NUM
fsr-3778	174	12	years	year	NOUN
fsr-3778	174	13	prior	prior	ADV
fsr-3778	174	14	to	to	ADP
fsr-3778	174	15	filing	file	VERB
fsr-3778	174	16	for	for	ADP
fsr-3778	174	17	bankruptcy	bankruptcy	NOUN
fsr-3778	174	18	.	.	PUNCT
fsr-3778	175	1	twenty	twenty	NUM
fsr-3778	175	2	percent	percent	NOUN
fsr-3778	175	3	of	of	ADP
fsr-3778	175	4	bankrupt	bankrupt	ADJ
fsr-3778	175	5	debtors	debtor	NOUN
fsr-3778	175	6	were	be	AUX
fsr-3778	175	7	currently	currently	ADV
fsr-3778	175	8	or	or	CCONJ
fsr-3778	175	9	formerly	formerly	ADV
fsr-3778	175	10	involved	involve	VERB
fsr-3778	175	11	in	in	ADP
fsr-3778	175	12	entrepreneurial	entrepreneurial	ADJ
fsr-3778	175	13	businesses	business	NOUN
fsr-3778	175	14	.	.	PUNCT
fsr-3778	176	1	moving	move	VERB
fsr-3778	176	2	a	a	DET
fsr-3778	176	3	lot	lot	NOUN
fsr-3778	176	4	was	be	AUX
fsr-3778	176	5	characteristic	characteristic	ADJ
fsr-3778	176	6	of	of	ADP
fsr-3778	176	7	chapter	chapter	NOUN
fsr-3778	176	8	7	7	NUM
fsr-3778	176	9	bankruptcy	bankruptcy	NOUN
fsr-3778	176	10	filers	filer	NOUN
fsr-3778	176	11	(	(	PUNCT
fsr-3778	176	12	sullivan	sullivan	PROPN
fsr-3778	176	13	et	et	PROPN
fsr-3778	176	14	al	al	PROPN
fsr-3778	176	15	.	.	PROPN
fsr-3778	176	16	,	,	PUNCT
fsr-3778	176	17	1989	1989	NUM
fsr-3778	176	18	,	,	PUNCT
fsr-3778	176	19	p.	p.	NOUN
fsr-3778	176	20	246	246	NUM
fsr-3778	176	21	)	)	PUNCT
fsr-3778	176	22	.	.	PUNCT
fsr-3778	177	1	using	use	VERB
fsr-3778	177	2	data	datum	NOUN
fsr-3778	177	3	from	from	ADP
fsr-3778	177	4	the	the	DET
fsr-3778	177	5	1983	1983	NUM
fsr-3778	177	6	scf	scf	PROPN
fsr-3778	177	7	,	,	PUNCT
fsr-3778	177	8	sullivan	sullivan	PROPN
fsr-3778	177	9	et	et	PROPN
fsr-3778	177	10	al	al	PROPN
fsr-3778	177	11	.	.	PROPN
fsr-3778	178	1	compared	compare	VERB
fsr-3778	178	2	the	the	DET
fsr-3778	178	3	net	net	ADJ
fsr-3778	178	4	worth	worth	NOUN
fsr-3778	178	5	of	of	ADP
fsr-3778	178	6	respondents	respondent	NOUN
fsr-3778	178	7	from	from	ADP
fsr-3778	178	8	the	the	DET
fsr-3778	178	9	general	general	ADJ
fsr-3778	178	10	population	population	NOUN
fsr-3778	178	11	with	with	ADP
fsr-3778	178	12	that	that	PRON
fsr-3778	178	13	of	of	ADP
fsr-3778	178	14	the	the	DET
fsr-3778	178	15	bankrupt	bankrupt	ADJ
fsr-3778	178	16	debtors	debtor	NOUN
fsr-3778	178	17	.	.	PUNCT
fsr-3778	179	1	allowing	allow	VERB
fsr-3778	179	2	for	for	ADP
fsr-3778	179	3	differences	difference	NOUN
fsr-3778	179	4	in	in	ADP
fsr-3778	179	5	method	method	NOUN
fsr-3778	179	6	of	of	ADP
fsr-3778	179	7	calculation	calculation	NOUN
fsr-3778	179	8	,	,	PUNCT
fsr-3778	179	9	sullivan	sullivan	PROPN
fsr-3778	179	10	et	et	PROPN
fsr-3778	179	11	al	al	PROPN
fsr-3778	179	12	.	.	PROPN
fsr-3778	179	13	concluded	conclude	VERB
fsr-3778	179	14	that	that	SCONJ
fsr-3778	179	15	“	"	PUNCT
fsr-3778	179	16	about	about	ADV
fsr-3778	179	17	one	one	NUM
fsr-3778	179	18	-	-	PUNCT
fsr-3778	179	19	third	third	NOUN
fsr-3778	179	20	of	of	ADP
fsr-3778	179	21	the	the	DET
fsr-3778	179	22	general	general	ADJ
fsr-3778	179	23	population	population	NOUN
fsr-3778	179	24	has	have	VERB
fsr-3778	179	25	a	a	DET
fsr-3778	179	26	net	net	ADJ
fsr-3778	179	27	worth	worth	NOUN
fsr-3778	179	28	of	of	ADP
fsr-3778	179	29	less	less	ADJ
fsr-3778	179	30	than	than	ADP
fsr-3778	179	31	$	$	SYM
fsr-3778	179	32	5,000	5,000	NUM
fsr-3778	179	33	,	,	PUNCT
fsr-3778	179	34	while	while	SCONJ
fsr-3778	179	35	84	84	NUM
fsr-3778	179	36	%	%	NOUN
fsr-3778	179	37	of	of	ADP
fsr-3778	179	38	the	the	DET
fsr-3778	179	39	debtors	debtor	NOUN
fsr-3778	179	40	are	be	AUX
fsr-3778	179	41	worth	worth	ADJ
fsr-3778	179	42	less	less	ADJ
fsr-3778	179	43	than	than	ADP
fsr-3778	179	44	that	that	DET
fsr-3778	179	45	amount	amount	NOUN
fsr-3778	179	46	”	"	PUNCT
fsr-3778	179	47	(	(	PUNCT
fsr-3778	179	48	p.	p.	NOUN
fsr-3778	179	49	7	7	NUM
fsr-3778	179	50	1	1	NUM
fsr-3778	179	51	)	)	PUNCT
fsr-3778	179	52	.	.	PUNCT
fsr-3778	180	1	median	median	ADJ
fsr-3778	180	2	net	net	ADJ
fsr-3778	180	3	worth	worth	NOUN
fsr-3778	180	4	for	for	ADP
fsr-3778	180	5	the	the	DET
fsr-3778	180	6	bankrupt	bankrupt	ADJ
fsr-3778	180	7	debtors	debtor	NOUN
fsr-3778	180	8	and	and	CCONJ
fsr-3778	180	9	the	the	DET
fsr-3778	180	10	general	general	ADJ
fsr-3778	180	11	population	population	NOUN
fsr-3778	180	12	equalled	equal	VERB
fsr-3778	180	13	$	$	SYM
fsr-3778	180	14	8,100	8,100	NUM
fsr-3778	180	15	and	and	CCONJ
fsr-3778	180	16	$	$	SYM
fsr-3778	180	17	24,600	24,600	NUM
fsr-3778	180	18	,	,	PUNCT
fsr-3778	180	19	respectively	respectively	ADV
fsr-3778	180	20	.	.	PUNCT
fsr-3778	181	1	not	not	PART
fsr-3778	181	2	all	all	DET
fsr-3778	181	3	debtors	debtor	NOUN
fsr-3778	181	4	were	be	AUX
fsr-3778	181	5	insolvent	insolvent	ADJ
fsr-3778	181	6	,	,	PUNCT
fsr-3778	181	7	as	as	SCONJ
fsr-3778	181	8	16	16	NUM
fsr-3778	181	9	%	%	NOUN
fsr-3778	181	10	reported	report	VERB
fsr-3778	181	11	a	a	DET
fsr-3778	181	12	positive	positive	ADJ
fsr-3778	181	13	net	net	NOUN
fsr-3778	181	14	worth	worth	NOUN
fsr-3778	181	15	greater	great	ADJ
fsr-3778	181	16	than	than	ADP
fsr-3778	181	17	$	$	SYM
fsr-3778	181	18	5,000	5,000	NUM
fsr-3778	181	19	;	;	PUNCT
fsr-3778	181	20	homeowners	homeowner	NOUN
fsr-3778	181	21	represented	represent	VERB
fsr-3778	181	22	94	94	NUM
fsr-3778	181	23	%	%	NOUN
fsr-3778	181	24	of	of	ADP
fsr-3778	181	25	this	this	DET
fsr-3778	181	26	group	group	NOUN
fsr-3778	181	27	,	,	PUNCT
fsr-3778	181	28	144	144	NUM
fsr-3778	181	29	financial	financial	ADJ
fsr-3778	181	30	services	service	NOUN
fsr-3778	181	31	review	review	NOUN
fsr-3778	181	32	4(2	4(2	NUM
fsr-3778	181	33	)	)	PUNCT
fsr-3778	181	34	1995	1995	NUM
fsr-3778	181	35	sullivan	sullivan	PROPN
fsr-3778	181	36	et	et	PROPN
fsr-3778	181	37	al	al	PROPN
fsr-3778	181	38	.	.	PROPN
fsr-3778	181	39	found	find	VERB
fsr-3778	181	40	that	that	SCONJ
fsr-3778	181	41	single	single	ADJ
fsr-3778	181	42	women	woman	NOUN
fsr-3778	181	43	who	who	PRON
fsr-3778	181	44	filed	file	VERB
fsr-3778	181	45	for	for	ADP
fsr-3778	181	46	bankruptcy	bankruptcy	NOUN
fsr-3778	181	47	had	have	VERB
fsr-3778	181	48	incomes	income	NOUN
fsr-3778	181	49	very	very	ADV
fsr-3778	181	50	similar	similar	ADJ
fsr-3778	181	51	to	to	ADP
fsr-3778	181	52	single	single	ADJ
fsr-3778	181	53	women	woman	NOUN
fsr-3778	181	54	not	not	PART
fsr-3778	181	55	in	in	ADP
fsr-3778	181	56	bankruptcy	bankruptcy	NOUN
fsr-3778	181	57	(	(	PUNCT
fsr-3778	181	58	$	$	SYM
fsr-3778	181	59	10,600	10,600	NUM
fsr-3778	181	60	for	for	ADP
fsr-3778	181	61	bankrupts	bankrupt	NOUN
fsr-3778	181	62	and	and	CCONJ
fsr-3778	181	63	$	$	SYM
fsr-3778	181	64	14,100	14,100	NUM
fsr-3778	181	65	for	for	ADP
fsr-3778	181	66	those	those	PRON
fsr-3778	181	67	not	not	PART
fsr-3778	181	68	in	in	ADP
fsr-3778	181	69	bankruptcy	bankruptcy	NOUN
fsr-3778	181	70	)	)	PUNCT
fsr-3778	181	71	.	.	PUNCT
fsr-3778	182	1	what	what	PRON
fsr-3778	182	2	distinguished	distinguished	ADJ
fsr-3778	182	3	women	woman	NOUN
fsr-3778	182	4	in	in	ADP
fsr-3778	182	5	bankruptcy	bankruptcy	NOUN
fsr-3778	182	6	from	from	ADP
fsr-3778	182	7	others	other	NOUN
fsr-3778	182	8	was	be	AUX
fsr-3778	182	9	the	the	DET
fsr-3778	182	10	lack	lack	NOUN
fsr-3778	182	11	of	of	ADP
fsr-3778	182	12	supplemental	supplemental	ADJ
fsr-3778	182	13	income	income	NOUN
fsr-3778	182	14	received	receive	VERB
fsr-3778	182	15	by	by	ADP
fsr-3778	182	16	other	other	ADJ
fsr-3778	182	17	women	woman	NOUN
fsr-3778	182	18	.	.	PUNCT
fsr-3778	183	1	women	woman	NOUN
fsr-3778	183	2	in	in	ADP
fsr-3778	183	3	the	the	DET
fsr-3778	183	4	general	general	ADJ
fsr-3778	183	5	population	population	NOUN
fsr-3778	183	6	received	receive	VERB
fsr-3778	183	7	about	about	ADP
fsr-3778	183	8	$	$	SYM
fsr-3778	183	9	4,200	4,200	NUM
fsr-3778	183	10	,	,	PUNCT
fsr-3778	183	11	or	or	CCONJ
fsr-3778	183	12	30	30	NUM
fsr-3778	183	13	%	%	NOUN
fsr-3778	183	14	of	of	ADP
fsr-3778	183	15	their	their	PRON
fsr-3778	183	16	total	total	ADJ
fsr-3778	183	17	family	family	NOUN
fsr-3778	183	18	income	income	NOUN
fsr-3778	183	19	,	,	PUNCT
fsr-3778	183	20	from	from	ADP
fsr-3778	183	21	other	other	ADJ
fsr-3778	183	22	sources	source	NOUN
fsr-3778	183	23	while	while	SCONJ
fsr-3778	183	24	single	single	ADJ
fsr-3778	183	25	women	woman	NOUN
fsr-3778	183	26	who	who	PRON
fsr-3778	183	27	filed	file	VERB
fsr-3778	183	28	for	for	ADP
fsr-3778	183	29	bankruptcy	bankruptcy	NOUN
fsr-3778	183	30	received	receive	VERB
fsr-3778	183	31	an	an	DET
fsr-3778	183	32	average	average	NOUN
fsr-3778	183	33	of	of	ADP
fsr-3778	183	34	only	only	ADV
fsr-3778	183	35	$	$	SYM
fsr-3778	183	36	500	500	NUM
fsr-3778	183	37	annually	annually	ADV
fsr-3778	183	38	from	from	ADP
fsr-3778	183	39	other	other	ADJ
fsr-3778	183	40	sources	source	NOUN
fsr-3778	183	41	.	.	PUNCT
fsr-3778	184	1	“	"	PUNCT
fsr-3778	184	2	these	these	DET
fsr-3778	184	3	data	datum	NOUN
fsr-3778	184	4	suggest	suggest	VERB
fsr-3778	184	5	that	that	SCONJ
fsr-3778	184	6	supplemental	supplemental	ADJ
fsr-3778	184	7	income	income	NOUN
fsr-3778	184	8	,	,	PUNCT
fsr-3778	184	9	such	such	ADJ
fsr-3778	184	10	as	as	ADP
fsr-3778	184	11	alimony	alimony	NOUN
fsr-3778	184	12	or	or	CCONJ
fsr-3778	184	13	a	a	DET
fsr-3778	184	14	child	child	NOUN
fsr-3778	184	15	’s	’s	PART
fsr-3778	184	16	income	income	NOUN
fsr-3778	184	17	,	,	PUNCT
fsr-3778	184	18	may	may	AUX
fsr-3778	184	19	represent	represent	VERB
fsr-3778	184	20	the	the	DET
fsr-3778	184	21	difference	difference	NOUN
fsr-3778	184	22	for	for	ADP
fsr-3778	184	23	many	many	ADJ
fsr-3778	184	24	women	woman	NOUN
fsr-3778	184	25	between	between	ADP
fsr-3778	184	26	staying	stay	VERB
fsr-3778	184	27	out	out	ADP
fsr-3778	184	28	of	of	ADP
fsr-3778	184	29	bankruptcy	bankruptcy	NOUN
fsr-3778	184	30	and	and	CCONJ
fsr-3778	184	31	going	go	VERB
fsr-3778	184	32	in	in	ADP
fsr-3778	184	33	”	"	PUNCT
fsr-3778	184	34	(	(	PUNCT
fsr-3778	184	35	sullivan	sullivan	PROPN
fsr-3778	184	36	et	et	PROPN
fsr-3778	184	37	al	al	PROPN
fsr-3778	184	38	.	.	PROPN
fsr-3778	184	39	,	,	PUNCT
fsr-3778	184	40	1989	1989	NUM
fsr-3778	184	41	,	,	PUNCT
fsr-3778	184	42	p.	p.	NOUN
fsr-3778	184	43	156	156	NUM
fsr-3778	184	44	)	)	PUNCT
fsr-3778	184	45	.	.	PUNCT
fsr-3778	185	1	sullivan	sullivan	PROPN
fsr-3778	185	2	et	et	PROPN
fsr-3778	185	3	al	al	PROPN
fsr-3778	185	4	.	.	PROPN
fsr-3778	185	5	found	find	VERB
fsr-3778	185	6	that	that	SCONJ
fsr-3778	185	7	married	married	ADJ
fsr-3778	185	8	couples	couple	NOUN
fsr-3778	185	9	in	in	ADP
fsr-3778	185	10	financial	financial	ADJ
fsr-3778	185	11	trouble	trouble	NOUN
fsr-3778	185	12	were	be	AUX
fsr-3778	185	13	one	one	NUM
fsr-3778	185	14	-	-	PUNCT
fsr-3778	185	15	income	income	NOUN
fsr-3778	185	16	families	family	NOUN
fsr-3778	185	17	in	in	ADP
fsr-3778	185	18	far	far	ADV
fsr-3778	185	19	greater	great	ADJ
fsr-3778	185	20	proportion	proportion	NOUN
fsr-3778	185	21	than	than	ADP
fsr-3778	185	22	one	one	NUM
fsr-3778	185	23	-	-	PUNCT
fsr-3778	185	24	income	income	NOUN
fsr-3778	185	25	families	family	NOUN
fsr-3778	185	26	in	in	ADP
fsr-3778	185	27	the	the	DET
fsr-3778	185	28	general	general	ADJ
fsr-3778	185	29	population	population	NOUN
fsr-3778	185	30	,	,	PUNCT
fsr-3778	185	31	during	during	ADP
fsr-3778	185	32	the	the	DET
fsr-3778	185	33	year	year	NOUN
fsr-3778	185	34	prior	prior	ADV
fsr-3778	185	35	to	to	ADP
fsr-3778	185	36	the	the	DET
fsr-3778	185	37	bankruptcy	bankruptcy	NOUN
fsr-3778	185	38	filing	filing	NOUN
fsr-3778	185	39	,	,	PUNCT
fsr-3778	185	40	only	only	ADV
fsr-3778	185	41	about	about	ADV
fsr-3778	185	42	one	one	NUM
fsr-3778	185	43	-	-	PUNCT
fsr-3778	185	44	third	third	NOUN
fsr-3778	185	45	of	of	ADP
fsr-3778	185	46	the	the	DET
fsr-3778	185	47	wives	wife	NOUN
fsr-3778	185	48	in	in	ADP
fsr-3778	185	49	bankruptcy	bankruptcy	NOUN
fsr-3778	185	50	were	be	AUX
fsr-3778	185	51	employed	employ	VERB
fsr-3778	185	52	,	,	PUNCT
fsr-3778	185	53	compared	compare	VERB
fsr-3778	185	54	with	with	ADP
fsr-3778	185	55	almost	almost	ADV
fsr-3778	185	56	two	two	NUM
fsr-3778	185	57	-	-	PUNCT
fsr-3778	185	58	thirds	third	NOUN
fsr-3778	185	59	of	of	ADP
fsr-3778	185	60	the	the	DET
fsr-3778	185	61	wives	wife	NOUN
fsr-3778	185	62	in	in	ADP
fsr-3778	185	63	the	the	DET
fsr-3778	185	64	general	general	ADJ
fsr-3778	185	65	population	population	NOUN
fsr-3778	185	66	.	.	PUNCT
fsr-3778	186	1	of	of	ADP
fsr-3778	186	2	the	the	DET
fsr-3778	186	3	wives	wife	NOUN
fsr-3778	186	4	in	in	ADP
fsr-3778	186	5	bankruptcy	bankruptcy	NOUN
fsr-3778	186	6	who	who	PRON
fsr-3778	186	7	were	be	AUX
fsr-3778	186	8	employed	employ	VERB
fsr-3778	186	9	,	,	PUNCT
fsr-3778	186	10	many	many	ADJ
fsr-3778	186	11	worked	work	VERB
fsr-3778	186	12	only	only	ADV
fsr-3778	186	13	part	part	NOUN
fsr-3778	186	14	time	time	NOUN
fsr-3778	186	15	.	.	PUNCT
fsr-3778	187	1	sullivan	sullivan	PROPN
fsr-3778	187	2	et	et	PROPN
fsr-3778	187	3	al	al	PROPN
fsr-3778	187	4	.	.	PROPN
fsr-3778	187	5	concluded	conclude	VERB
fsr-3778	187	6	that	that	SCONJ
fsr-3778	187	7	the	the	DET
fsr-3778	187	8	bankruptcy	bankruptcy	NOUN
fsr-3778	187	9	data	datum	NOUN
fsr-3778	187	10	portray	portray	VERB
fsr-3778	187	11	the	the	DET
fsr-3778	187	12	increased	increase	VERB
fsr-3778	187	13	risk	risk	NOUN
fsr-3778	187	14	faced	face	VERB
fsr-3778	187	15	by	by	ADP
fsr-3778	187	16	lower	low	ADJ
fsr-3778	187	17	-	-	PUNCT
fsr-3778	187	18	income	income	NOUN
fsr-3778	187	19	families	family	NOUN
fsr-3778	187	20	that	that	PRON
fsr-3778	187	21	do	do	AUX
fsr-3778	187	22	not	not	PART
fsr-3778	187	23	follow	follow	VERB
fsr-3778	187	24	the	the	DET
fsr-3778	187	25	national	national	ADJ
fsr-3778	187	26	trend	trend	NOUN
fsr-3778	187	27	toward	toward	ADP
fsr-3778	187	28	two	two	NUM
fsr-3778	187	29	incomes	income	NOUN
fsr-3778	187	30	(	(	PUNCT
fsr-3778	187	31	p.	p.	NOUN
fsr-3778	187	32	157	157	NUM
fsr-3778	187	33	)	)	PUNCT
fsr-3778	187	34	.	.	PUNCT
fsr-3778	188	1	an	an	DET
fsr-3778	188	2	investigation	investigation	NOUN
fsr-3778	188	3	of	of	ADP
fsr-3778	188	4	the	the	DET
fsr-3778	188	5	relationship	relationship	NOUN
fsr-3778	188	6	of	of	ADP
fsr-3778	188	7	medical	medical	ADJ
fsr-3778	188	8	debt	debt	NOUN
fsr-3778	188	9	burden	burden	NOUN
fsr-3778	188	10	indicated	indicate	VERB
fsr-3778	188	11	that	that	SCONJ
fsr-3778	188	12	medical	medical	ADJ
fsr-3778	188	13	debts	debt	NOUN
fsr-3778	188	14	did	do	AUX
fsr-3778	188	15	not	not	PART
fsr-3778	188	16	play	play	VERB
fsr-3778	188	17	a	a	DET
fsr-3778	188	18	central	central	ADJ
fsr-3778	188	19	role	role	NOUN
fsr-3778	188	20	in	in	ADP
fsr-3778	188	21	most	most	ADJ
fsr-3778	188	22	consumer	consumer	NOUN
fsr-3778	188	23	bankruptcies	bankruptcy	NOUN
fsr-3778	188	24	.	.	PUNCT
fsr-3778	189	1	while	while	SCONJ
fsr-3778	189	2	medical	medical	ADJ
fsr-3778	189	3	-	-	PUNCT
fsr-3778	189	4	debt	debt	NOUN
fsr-3778	189	5	-	-	PUNCT
fsr-3778	189	6	to	to	ADP
fsr-3778	189	7	-	-	PUNCT
fsr-3778	189	8	income	income	NOUN
fsr-3778	189	9	ratios	ratio	NOUN
fsr-3778	189	10	(	(	PUNCT
fsr-3778	189	11	constructed	construct	VERB
fsr-3778	189	12	by	by	ADP
fsr-3778	189	13	the	the	DET
fsr-3778	189	14	researchers	researcher	NOUN
fsr-3778	189	15	)	)	PUNCT
fsr-3778	189	16	did	do	AUX
fsr-3778	189	17	not	not	PART
fsr-3778	189	18	vary	vary	VERB
fsr-3778	189	19	significantly	significantly	ADV
fsr-3778	189	20	by	by	ADP
fsr-3778	189	21	state	state	NOUN
fsr-3778	189	22	or	or	CCONJ
fsr-3778	189	23	district	district	NOUN
fsr-3778	189	24	,	,	PUNCT
fsr-3778	189	25	they	they	PRON
fsr-3778	189	26	varied	vary	VERB
fsr-3778	189	27	by	by	ADP
fsr-3778	189	28	chapter	chapter	NOUN
fsr-3778	189	29	.	.	PUNCT
fsr-3778	190	1	those	those	PRON
fsr-3778	190	2	in	in	ADP
fsr-3778	190	3	chapter	chapter	NOUN
fsr-3778	190	4	7	7	NUM
fsr-3778	190	5	bankruptcy	bankruptcy	NOUN
fsr-3778	190	6	owed	owe	VERB
fsr-3778	190	7	more	more	ADJ
fsr-3778	190	8	medical	medical	ADJ
fsr-3778	190	9	debt	debt	NOUN
fsr-3778	190	10	than	than	ADP
fsr-3778	190	11	those	those	PRON
fsr-3778	190	12	in	in	ADP
fsr-3778	190	13	chapter	chapter	NOUN
fsr-3778	190	14	13	13	NUM
fsr-3778	190	15	;	;	PUNCT
fsr-3778	190	16	the	the	DET
fsr-3778	190	17	mean	mean	ADJ
fsr-3778	190	18	medical	medical	ADJ
fsr-3778	190	19	debt	debt	NOUN
fsr-3778	190	20	/	/	SYM
fsr-3778	190	21	income	income	NOUN
fsr-3778	190	22	ratio	ratio	NOUN
fsr-3778	190	23	of	of	ADP
fsr-3778	190	24	0.25	0.25	NUM
fsr-3778	190	25	for	for	ADP
fsr-3778	190	26	chapter	chapter	NOUN
fsr-3778	190	27	7	7	NUM
fsr-3778	190	28	was	be	AUX
fsr-3778	190	29	significantly	significantly	ADV
fsr-3778	190	30	higher	high	ADJ
fsr-3778	190	31	than	than	ADP
fsr-3778	190	32	the	the	DET
fsr-3778	190	33	0.09	0.09	NUM
fsr-3778	190	34	of	of	ADP
fsr-3778	190	35	those	those	PRON
fsr-3778	190	36	in	in	ADP
fsr-3778	190	37	chapter	chapter	NOUN
fsr-3778	190	38	13	13	NUM
fsr-3778	190	39	.	.	PUNCT
fsr-3778	191	1	interestingly	interestingly	ADV
fsr-3778	191	2	,	,	PUNCT
fsr-3778	191	3	the	the	DET
fsr-3778	191	4	joint	joint	ADJ
fsr-3778	191	5	filers	filer	NOUN
fsr-3778	191	6	’	'	PUNCT
fsr-3778	191	7	mean	mean	ADJ
fsr-3778	191	8	medical	medical	ADJ
fsr-3778	191	9	debt	debt	NOUN
fsr-3778	191	10	/	/	SYM
fsr-3778	191	11	income	income	NOUN
fsr-3778	191	12	ratio	ratio	NOUN
fsr-3778	191	13	was	be	AUX
fsr-3778	191	14	0.12	0.12	NUM
fsr-3778	191	15	;	;	PUNCT
fsr-3778	191	16	the	the	DET
fsr-3778	191	17	mean	mean	NOUN
fsr-3778	191	18	of	of	ADP
fsr-3778	191	19	single	single	ADJ
fsr-3778	191	20	-	-	PUNCT
fsr-3778	191	21	filing	filing	NOUN
fsr-3778	191	22	males	male	NOUN
fsr-3778	191	23	was	be	AUX
fsr-3778	191	24	0.24	0.24	NUM
fsr-3778	191	25	,	,	PUNCT
fsr-3778	191	26	and	and	CCONJ
fsr-3778	191	27	that	that	PRON
fsr-3778	191	28	of	of	ADP
fsr-3778	191	29	single	single	ADJ
fsr-3778	191	30	-	-	PUNCT
fsr-3778	191	31	filing	filing	NOUN
fsr-3778	191	32	females	female	NOUN
fsr-3778	191	33	,	,	PUNCT
fsr-3778	191	34	0.43	0.43	NUM
fsr-3778	191	35	(	(	PUNCT
fsr-3778	191	36	p.	p.	NOUN
fsr-3778	191	37	171	171	NUM
fsr-3778	191	38	)	)	PUNCT
fsr-3778	191	39	.	.	PUNCT
fsr-3778	192	1	the	the	DET
fsr-3778	192	2	impact	impact	NOUN
fsr-3778	192	3	of	of	ADP
fsr-3778	192	4	medical	medical	ADJ
fsr-3778	192	5	debt	debt	NOUN
fsr-3778	192	6	on	on	ADP
fsr-3778	192	7	single	single	ADJ
fsr-3778	192	8	-	-	PUNCT
fsr-3778	192	9	filing	filing	NOUN
fsr-3778	192	10	women	woman	NOUN
fsr-3778	192	11	was	be	AUX
fsr-3778	192	12	much	much	ADV
fsr-3778	192	13	greater	great	ADJ
fsr-3778	192	14	because	because	SCONJ
fsr-3778	192	15	they	they	PRON
fsr-3778	192	16	have	have	VERB
fsr-3778	192	17	lower	low	ADJ
fsr-3778	192	18	incomes	income	NOUN
fsr-3778	192	19	available	available	ADJ
fsr-3778	192	20	to	to	PART
fsr-3778	192	21	pay	pay	VERB
fsr-3778	192	22	their	their	PRON
fsr-3778	192	23	debts	debt	NOUN
fsr-3778	192	24	.	.	PUNCT
fsr-3778	193	1	sullivan	sullivan	PROPN
fsr-3778	193	2	et	et	PROPN
fsr-3778	193	3	al	al	PROPN
fsr-3778	193	4	.	.	PROPN
fsr-3778	193	5	speculated	speculate	VERB
fsr-3778	193	6	that	that	SCONJ
fsr-3778	193	7	women	woman	NOUN
fsr-3778	193	8	were	be	AUX
fsr-3778	193	9	more	more	ADV
fsr-3778	193	10	likely	likely	ADJ
fsr-3778	193	11	to	to	PART
fsr-3778	193	12	be	be	AUX
fsr-3778	193	13	employed	employ	VERB
fsr-3778	193	14	in	in	ADP
fsr-3778	193	15	retail	retail	ADJ
fsr-3778	193	16	trade	trade	NOUN
fsr-3778	193	17	and	and	CCONJ
fsr-3778	193	18	personal	personal	ADJ
fsr-3778	193	19	services	service	NOUN
fsr-3778	193	20	and	and	CCONJ
fsr-3778	193	21	to	to	PART
fsr-3778	193	22	be	be	AUX
fsr-3778	193	23	without	without	ADP
fsr-3778	193	24	medical	medical	ADJ
fsr-3778	193	25	coverage	coverage	NOUN
fsr-3778	193	26	.	.	PUNCT
fsr-3778	194	1	information	information	NOUN
fsr-3778	194	2	about	about	ADP
fsr-3778	194	3	the	the	DET
fsr-3778	194	4	filer	filer	NOUN
fsr-3778	194	5	’s	’s	PART
fsr-3778	194	6	availability	availability	NOUN
fsr-3778	194	7	of	of	ADP
fsr-3778	194	8	fringe	fringe	NOUN
fsr-3778	194	9	benefits	benefit	NOUN
fsr-3778	194	10	is	be	AUX
fsr-3778	194	11	not	not	PART
fsr-3778	194	12	asked	ask	VERB
fsr-3778	194	13	by	by	ADP
fsr-3778	194	14	the	the	DET
fsr-3778	194	15	court	court	NOUN
fsr-3778	194	16	system	system	NOUN
fsr-3778	194	17	.	.	PUNCT
fsr-3778	195	1	examination	examination	NOUN
fsr-3778	195	2	of	of	ADP
fsr-3778	195	3	the	the	DET
fsr-3778	195	4	credit	credit	NOUN
fsr-3778	195	5	card	card	NOUN
fsr-3778	195	6	debt	debt	NOUN
fsr-3778	195	7	held	hold	VERB
fsr-3778	195	8	by	by	ADP
fsr-3778	195	9	the	the	DET
fsr-3778	195	10	tilers	tiler	NOUN
fsr-3778	195	11	in	in	ADP
fsr-3778	195	12	the	the	DET
fsr-3778	195	13	study	study	NOUN
fsr-3778	195	14	revealed	reveal	VERB
fsr-3778	195	15	that	that	SCONJ
fsr-3778	195	16	almost	almost	ADV
fsr-3778	195	17	one	one	NUM
fsr-3778	195	18	-	-	PUNCT
fsr-3778	195	19	third	third	NOUN
fsr-3778	195	20	owed	owe	VERB
fsr-3778	195	21	credit	credit	NOUN
fsr-3778	195	22	card	card	NOUN
fsr-3778	195	23	debt	debt	NOUN
fsr-3778	195	24	equal	equal	ADJ
fsr-3778	195	25	to	to	ADP
fsr-3778	195	26	or	or	CCONJ
fsr-3778	195	27	greater	great	ADJ
fsr-3778	195	28	than	than	ADP
fsr-3778	195	29	three	three	NUM
fsr-3778	195	30	months	month	NOUN
fsr-3778	195	31	’	'	PUNCT
fsr-3778	195	32	gross	gross	ADJ
fsr-3778	195	33	income	income	NOUN
fsr-3778	195	34	,	,	PUNCT
fsr-3778	195	35	a	a	DET
fsr-3778	195	36	debt	debt	NOUN
fsr-3778	195	37	-	-	PUNCT
fsr-3778	195	38	to	to	ADP
fsr-3778	195	39	-	-	PUNCT
fsr-3778	195	40	income	income	NOUN
fsr-3778	195	41	ratio	ratio	NOUN
fsr-3778	195	42	of	of	ADP
fsr-3778	195	43	0.25	0.25	NUM
fsr-3778	195	44	.	.	PUNCT
fsr-3778	196	1	nearly	nearly	ADV
fsr-3778	196	2	13	13	NUM
fsr-3778	196	3	%	%	NOUN
fsr-3778	196	4	of	of	ADP
fsr-3778	196	5	the	the	DET
fsr-3778	196	6	debtors	debtor	NOUN
fsr-3778	196	7	owed	owe	VERB
fsr-3778	196	8	more	more	ADJ
fsr-3778	196	9	than	than	ADP
fsr-3778	196	10	a	a	DET
fsr-3778	196	11	half	half	ADJ
fsr-3778	196	12	-	-	PUNCT
fsr-3778	196	13	year	year	NOUN
fsr-3778	196	14	’s	’s	PART
fsr-3778	196	15	income	income	NOUN
fsr-3778	196	16	in	in	ADP
fsr-3778	196	17	credit	credit	NOUN
fsr-3778	196	18	card	card	NOUN
fsr-3778	196	19	debt	debt	NOUN
fsr-3778	196	20	.	.	PUNCT
fsr-3778	197	1	yet	yet	ADV
fsr-3778	197	2	,	,	PUNCT
fsr-3778	197	3	only	only	ADV
fsr-3778	197	4	two	two	NUM
fsr-3778	197	5	percent	percent	NOUN
fsr-3778	197	6	of	of	ADP
fsr-3778	197	7	the	the	DET
fsr-3778	197	8	respondents	respondent	NOUN
fsr-3778	197	9	met	meet	VERB
fsr-3778	197	10	the	the	DET
fsr-3778	197	11	researchers	researcher	NOUN
fsr-3778	197	12	’	’	PART
fsr-3778	197	13	criteria	criterion	NOUN
fsr-3778	197	14	for	for	ADP
fsr-3778	197	15	credit	credit	NOUN
fsr-3778	197	16	card	card	NOUN
fsr-3778	197	17	abuse	abuse	NOUN
fsr-3778	197	18	:	:	PUNCT
fsr-3778	197	19	high	high	ADJ
fsr-3778	197	20	credit	credit	NOUN
fsr-3778	197	21	card	card	NOUN
fsr-3778	197	22	debt	debt	NOUN
fsr-3778	197	23	/	/	SYM
fsr-3778	197	24	income	income	NOUN
fsr-3778	197	25	ratio	ratio	NOUN
fsr-3778	197	26	,	,	PUNCT
fsr-3778	197	27	high	high	ADJ
fsr-3778	197	28	proportion	proportion	NOUN
fsr-3778	197	29	of	of	ADP
fsr-3778	197	30	unsecured	unsecured	ADJ
fsr-3778	197	31	debt	debt	NOUN
fsr-3778	197	32	in	in	ADP
fsr-3778	197	33	credit	credit	NOUN
fsr-3778	197	34	cards	card	NOUN
fsr-3778	197	35	,	,	PUNCT
fsr-3778	197	36	and	and	CCONJ
fsr-3778	197	37	in	in	ADP
fsr-3778	197	38	the	the	DET
fsr-3778	197	39	top	top	ADJ
fsr-3778	197	40	15	15	NUM
fsr-3778	197	41	%	%	NOUN
fsr-3778	197	42	of	of	ADP
fsr-3778	197	43	the	the	DET
fsr-3778	197	44	absolute	absolute	ADJ
fsr-3778	197	45	amount	amount	NOUN
fsr-3778	197	46	of	of	ADP
fsr-3778	197	47	credit	credit	NOUN
fsr-3778	197	48	card	card	NOUN
fsr-3778	197	49	debt	debt	NOUN
fsr-3778	197	50	carried	carry	VERB
fsr-3778	197	51	into	into	ADP
fsr-3778	197	52	bankruptcy	bankruptcy	NOUN
fsr-3778	197	53	(	(	PUNCT
fsr-3778	197	54	sullivan	sullivan	PROPN
fsr-3778	197	55	et	et	PROPN
fsr-3778	197	56	al	al	PROPN
fsr-3778	197	57	.	.	PROPN
fsr-3778	197	58	,	,	PUNCT
fsr-3778	197	59	1989	1989	NUM
fsr-3778	197	60	,	,	PUNCT
fsr-3778	197	61	p.	p.	NOUN
fsr-3778	197	62	185	185	NUM
fsr-3778	197	63	)	)	PUNCT
fsr-3778	197	64	.	.	PUNCT
fsr-3778	198	1	the	the	DET
fsr-3778	198	2	debtors	debtor	NOUN
fsr-3778	198	3	with	with	ADP
fsr-3778	198	4	the	the	DET
fsr-3778	198	5	worst	bad	ADJ
fsr-3778	198	6	credit	credit	NOUN
fsr-3778	198	7	card	card	NOUN
fsr-3778	198	8	/	/	SYM
fsr-3778	198	9	income	income	NOUN
fsr-3778	198	10	ratios	ratio	NOUN
fsr-3778	198	11	were	be	AUX
fsr-3778	198	12	more	more	ADV
fsr-3778	198	13	often	often	ADV
fsr-3778	198	14	debtors	debtor	NOUN
fsr-3778	198	15	with	with	ADP
fsr-3778	198	16	low	low	ADJ
fsr-3778	198	17	job	job	NOUN
fsr-3778	198	18	tenure	tenure	NOUN
fsr-3778	198	19	or	or	CCONJ
fsr-3778	198	20	income	income	NOUN
fsr-3778	198	21	swings	swing	NOUN
fsr-3778	198	22	.	.	PUNCT
fsr-3778	199	1	hira	hira	PROPN
fsr-3778	199	2	(	(	PUNCT
fsr-3778	199	3	1992	1992	NUM
fsr-3778	199	4	)	)	PUNCT
fsr-3778	199	5	compared	compare	VERB
fsr-3778	199	6	american	american	ADJ
fsr-3778	199	7	and	and	CCONJ
fsr-3778	199	8	canadian	canadian	ADJ
fsr-3778	199	9	bankrupts	bankrupt	NOUN
fsr-3778	199	10	’	’	PART
fsr-3778	199	11	attitudes	attitude	NOUN
fsr-3778	199	12	and	and	CCONJ
fsr-3778	199	13	satisfaction	satisfaction	NOUN
fsr-3778	199	14	with	with	ADP
fsr-3778	199	15	the	the	DET
fsr-3778	199	16	bankruptcy	bankruptcy	NOUN
fsr-3778	199	17	process	process	NOUN
fsr-3778	199	18	.	.	PUNCT
fsr-3778	200	1	data	datum	NOUN
fsr-3778	200	2	collected	collect	VERB
fsr-3778	200	3	in	in	ADP
fsr-3778	200	4	manitoba	manitoba	PROPN
fsr-3778	200	5	(	(	PUNCT
fsr-3778	200	6	canada	canada	PROPN
fsr-3778	200	7	)	)	PUNCT
fsr-3778	200	8	and	and	CCONJ
fsr-3778	200	9	iowa	iowa	PROPN
fsr-3778	200	10	in	in	ADP
fsr-3778	200	11	1988	1988	NUM
fsr-3778	200	12	showed	show	VERB
fsr-3778	200	13	that	that	SCONJ
fsr-3778	200	14	the	the	DET
fsr-3778	200	15	demographic	demographic	ADJ
fsr-3778	200	16	profile	profile	NOUN
fsr-3778	200	17	of	of	ADP
fsr-3778	200	18	filers	filer	NOUN
fsr-3778	200	19	was	be	AUX
fsr-3778	200	20	remarkably	remarkably	ADV
fsr-3778	200	21	similar	similar	ADJ
fsr-3778	200	22	.	.	PUNCT
fsr-3778	201	1	in	in	ADP
fsr-3778	201	2	general	general	ADJ
fsr-3778	201	3	,	,	PUNCT
fsr-3778	201	4	the	the	DET
fsr-3778	201	5	filers	filer	NOUN
fsr-3778	201	6	were	be	AUX
fsr-3778	201	7	young	young	ADJ
fsr-3778	201	8	,	,	PUNCT
fsr-3778	201	9	male	male	NOUN
fsr-3778	201	10	,	,	PUNCT
fsr-3778	201	11	and	and	CCONJ
fsr-3778	201	12	married	marry	VERB
fsr-3778	201	13	and	and	CCONJ
fsr-3778	201	14	had	have	VERB
fsr-3778	201	15	children	child	NOUN
fsr-3778	201	16	.	.	PUNCT
fsr-3778	202	1	the	the	DET
fsr-3778	202	2	largest	large	ADJ
fsr-3778	202	3	proportion	proportion	NOUN
fsr-3778	202	4	of	of	ADP
fsr-3778	202	5	debtors	debtor	NOUN
fsr-3778	202	6	in	in	ADP
fsr-3778	202	7	both	both	DET
fsr-3778	202	8	countries	country	NOUN
fsr-3778	202	9	not	not	PART
fsr-3778	202	10	only	only	ADV
fsr-3778	202	11	borrowed	borrow	VERB
fsr-3778	202	12	from	from	ADP
fsr-3778	202	13	banks	bank	NOUN
fsr-3778	202	14	and	and	CCONJ
fsr-3778	202	15	retail	retail	ADJ
fsr-3778	202	16	stores	store	NOUN
fsr-3778	202	17	but	but	CCONJ
fsr-3778	202	18	also	also	ADV
fsr-3778	202	19	owed	owe	VERB
fsr-3778	202	20	large	large	ADJ
fsr-3778	202	21	sums	sum	NOUN
fsr-3778	202	22	to	to	ADP
fsr-3778	202	23	the	the	DET
fsr-3778	202	24	two	two	NUM
fsr-3778	202	25	sources	source	NOUN
fsr-3778	202	26	.	.	PUNCT
fsr-3778	203	1	a	a	DET
fsr-3778	203	2	majority	majority	NOUN
fsr-3778	203	3	of	of	ADP
fsr-3778	203	4	the	the	DET
fsr-3778	203	5	debtors	debtor	NOUN
fsr-3778	203	6	believed	believe	VERB
fsr-3778	203	7	that	that	SCONJ
fsr-3778	203	8	bankruptcy	bankruptcy	NOUN
fsr-3778	203	9	should	should	AUX
fsr-3778	203	10	be	be	AUX
fsr-3778	203	11	used	use	VERB
fsr-3778	203	12	only	only	ADV
fsr-3778	203	13	as	as	ADP
fsr-3778	203	14	a	a	DET
fsr-3778	203	15	last	last	ADJ
fsr-3778	203	16	resort	resort	NOUN
fsr-3778	203	17	.	.	PUNCT
fsr-3778	204	1	also	also	ADV
fsr-3778	204	2	,	,	PUNCT
fsr-3778	204	3	a	a	DET
fsr-3778	204	4	majority	majority	NOUN
fsr-3778	204	5	from	from	ADP
fsr-3778	204	6	each	each	DET
fsr-3778	204	7	country	country	NOUN
fsr-3778	204	8	said	say	VERB
fsr-3778	204	9	that	that	SCONJ
fsr-3778	204	10	filing	filing	NOUN
fsr-3778	204	11	for	for	ADP
fsr-3778	204	12	bankruptcy	bankruptcy	NOUN
fsr-3778	204	13	provided	provide	VERB
fsr-3778	204	14	relief	relief	NOUN
fsr-3778	204	15	from	from	ADP
fsr-3778	204	16	debt	debt	NOUN
fsr-3778	204	17	,	,	PUNCT
fsr-3778	204	18	saved	save	VERB
fsr-3778	204	19	them	they	PRON
fsr-3778	204	20	from	from	ADP
fsr-3778	204	21	creditors	creditor	NOUN
fsr-3778	204	22	’	’	PART
fsr-3778	204	23	actions	action	NOUN
fsr-3778	204	24	,	,	PUNCT
fsr-3778	204	25	and	and	CCONJ
fsr-3778	204	26	improved	improve	VERB
fsr-3778	204	27	their	their	PRON
fsr-3778	204	28	family	family	NOUN
fsr-3778	204	29	living	living	NOUN
fsr-3778	204	30	conditions	condition	NOUN
fsr-3778	204	31	.	.	PUNCT
fsr-3778	205	1	about	about	ADV
fsr-3778	205	2	half	half	DET
fsr-3778	205	3	the	the	DET
fsr-3778	205	4	debtors	debtor	NOUN
fsr-3778	205	5	in	in	ADP
fsr-3778	205	6	both	both	DET
fsr-3778	205	7	iowa	iowa	PROPN
fsr-3778	205	8	and	and	CCONJ
fsr-3778	205	9	manitoba	manitoba	PROPN
fsr-3778	205	10	indicated	indicate	VERB
fsr-3778	205	11	that	that	SCONJ
fsr-3778	205	12	their	their	PRON
fsr-3778	205	13	bankruptcy	bankruptcy	NOUN
fsr-3778	205	14	was	be	AUX
fsr-3778	205	15	caused	cause	VERB
fsr-3778	205	16	by	by	ADP
fsr-3778	205	17	too	too	ADV
fsr-3778	205	18	much	much	ADJ
fsr-3778	205	19	borrowing	borrowing	NOUN
fsr-3778	205	20	and	and	CCONJ
fsr-3778	205	21	that	that	SCONJ
fsr-3778	205	22	the	the	DET
fsr-3778	205	23	final	final	ADJ
fsr-3778	205	24	decision	decision	NOUN
fsr-3778	205	25	to	to	PART
fsr-3778	205	26	file	file	VERB
fsr-3778	205	27	was	be	AUX
fsr-3778	205	28	made	make	VERB
fsr-3778	205	29	because	because	SCONJ
fsr-3778	205	30	creditors	creditor	NOUN
fsr-3778	205	31	had	have	VERB
fsr-3778	205	32	household	household	NOUN
fsr-3778	205	33	insolvency	insolvency	NOUN
fsr-3778	205	34	:	:	PUNCT
fsr-3778	205	35	debt	debt	NOUN
fsr-3778	205	36	repayment	repayment	NOUN
fsr-3778	205	37	,	,	PUNCT
fsr-3778	205	38	delinquency	delinquency	NOUN
fsr-3778	205	39	,	,	PUNCT
fsr-3778	205	40	and	and	CCONJ
fsr-3778	205	41	bankruptcy	bankruptcy	NOUN
fsr-3778	205	42	145	145	NUM
fsr-3778	205	43	started	start	VERB
fsr-3778	205	44	collection	collection	NOUN
fsr-3778	205	45	efforts	effort	NOUN
fsr-3778	205	46	.	.	PUNCT
fsr-3778	206	1	a	a	DET
fsr-3778	206	2	larger	large	ADJ
fsr-3778	206	3	proportion	proportion	NOUN
fsr-3778	206	4	of	of	ADP
fsr-3778	206	5	canadians	canadian	NOUN
fsr-3778	206	6	than	than	ADP
fsr-3778	206	7	americans	americans	PROPN
fsr-3778	206	8	learned	learn	VERB
fsr-3778	206	9	the	the	DET
fsr-3778	206	10	importance	importance	NOUN
fsr-3778	206	11	of	of	ADP
fsr-3778	206	12	setting	set	VERB
fsr-3778	206	13	up	up	ADP
fsr-3778	206	14	a	a	DET
fsr-3778	206	15	budget	budget	NOUN
fsr-3778	206	16	,	,	PUNCT
fsr-3778	206	17	saving	save	VERB
fsr-3778	206	18	regularly	regularly	ADV
fsr-3778	206	19	,	,	PUNCT
fsr-3778	206	20	not	not	PART
fsr-3778	206	21	using	use	VERB
fsr-3778	206	22	credit	credit	NOUN
fsr-3778	206	23	cards	card	NOUN
fsr-3778	206	24	,	,	PUNCT
fsr-3778	206	25	and	and	CCONJ
fsr-3778	206	26	paying	pay	VERB
fsr-3778	206	27	by	by	ADP
fsr-3778	206	28	cash	cash	NOUN
fsr-3778	206	29	only	only	ADV
fsr-3778	206	30	.	.	PUNCT
fsr-3778	207	1	hira	hira	PROPN
fsr-3778	207	2	cautions	caution	VERB
fsr-3778	207	3	against	against	ADP
fsr-3778	207	4	drawing	draw	VERB
fsr-3778	207	5	conclusions	conclusion	NOUN
fsr-3778	207	6	from	from	ADP
fsr-3778	207	7	the	the	DET
fsr-3778	207	8	results	result	NOUN
fsr-3778	207	9	because	because	SCONJ
fsr-3778	207	10	the	the	DET
fsr-3778	207	11	response	response	NOUN
fsr-3778	207	12	rate	rate	NOUN
fsr-3778	207	13	was	be	AUX
fsr-3778	207	14	low	low	ADJ
fsr-3778	207	15	and	and	CCONJ
fsr-3778	207	16	only	only	ADV
fsr-3778	207	17	one	one	NUM
fsr-3778	207	18	province	province	NOUN
fsr-3778	207	19	in	in	ADP
fsr-3778	207	20	canada	canada	PROPN
fsr-3778	207	21	and	and	CCONJ
fsr-3778	207	22	one	one	NUM
fsr-3778	207	23	u.s	u.s	PROPN
fsr-3778	207	24	.	.	PROPN
fsr-3778	207	25	state	state	NOUN
fsr-3778	207	26	were	be	AUX
fsr-3778	207	27	included	include	VERB
fsr-3778	207	28	in	in	ADP
fsr-3778	207	29	the	the	DET
fsr-3778	207	30	survey	survey	NOUN
fsr-3778	207	31	.	.	PUNCT
fsr-3778	208	1	in	in	ADP
fsr-3778	208	2	summary	summary	NOUN
fsr-3778	208	3	,	,	PUNCT
fsr-3778	208	4	sullivan	sullivan	PROPN
fsr-3778	208	5	et	et	PROPN
fsr-3778	208	6	al	al	PROPN
fsr-3778	208	7	.	.	PROPN
fsr-3778	208	8	found	find	VERB
fsr-3778	208	9	that	that	SCONJ
fsr-3778	208	10	consumers	consumer	NOUN
fsr-3778	208	11	in	in	ADP
fsr-3778	208	12	bankruptcy	bankruptcy	NOUN
fsr-3778	208	13	looked	look	VERB
fsr-3778	208	14	like	like	ADP
fsr-3778	208	15	other	other	ADJ
fsr-3778	208	16	americans	americans	PROPN
fsr-3778	208	17	in	in	ADP
fsr-3778	208	18	the	the	DET
fsr-3778	208	19	workplace	workplace	NOUN
fsr-3778	208	20	but	but	CCONJ
fsr-3778	208	21	had	have	VERB
fsr-3778	208	22	very	very	ADV
fsr-3778	208	23	different	different	ADJ
fsr-3778	208	24	financial	financial	ADJ
fsr-3778	208	25	circumstances	circumstance	NOUN
fsr-3778	208	26	.	.	PUNCT
fsr-3778	209	1	debtors	debtor	NOUN
fsr-3778	209	2	tended	tend	VERB
fsr-3778	209	3	to	to	PART
fsr-3778	209	4	earn	earn	VERB
fsr-3778	209	5	less	less	ADJ
fsr-3778	209	6	and	and	CCONJ
fsr-3778	209	7	owe	owe	VERB
fsr-3778	209	8	more	more	ADJ
fsr-3778	209	9	than	than	ADP
fsr-3778	209	10	other	other	ADJ
fsr-3778	209	11	americans	americans	PROPN
fsr-3778	209	12	.	.	PUNCT
fsr-3778	210	1	families	family	NOUN
fsr-3778	210	2	with	with	ADP
fsr-3778	210	3	serious	serious	ADJ
fsr-3778	210	4	debt	debt	NOUN
fsr-3778	210	5	problems	problem	NOUN
fsr-3778	210	6	had	have	VERB
fsr-3778	210	7	about	about	ADV
fsr-3778	210	8	one	one	NUM
fsr-3778	210	9	-	-	PUNCT
fsr-3778	210	10	third	third	NOUN
fsr-3778	210	11	less	less	ADJ
fsr-3778	210	12	income	income	NOUN
fsr-3778	210	13	than	than	ADP
fsr-3778	210	14	average	average	ADJ
fsr-3778	210	15	earners	earner	NOUN
fsr-3778	210	16	.	.	PUNCT
fsr-3778	211	1	bankrupts	bankrupt	NOUN
fsr-3778	211	2	may	may	AUX
fsr-3778	211	3	have	have	AUX
fsr-3778	211	4	experienced	experience	VERB
fsr-3778	211	5	unem	unem	PROPN
fsr-3778	211	6	ployment	ployment	PROPN
fsr-3778	211	7	problems	problem	NOUN
fsr-3778	211	8	within	within	ADP
fsr-3778	211	9	the	the	DET
fsr-3778	211	10	two	two	NUM
fsr-3778	211	11	years	year	NOUN
fsr-3778	211	12	prior	prior	ADV
fsr-3778	211	13	to	to	ADP
fsr-3778	211	14	tiling	tile	VERB
fsr-3778	211	15	bankruptcy	bankruptcy	NOUN
fsr-3778	211	16	.	.	PUNCT
fsr-3778	212	1	about	about	ADV
fsr-3778	212	2	one	one	NUM
fsr-3778	212	3	-	-	PUNCT
fsr-3778	212	4	fifth	fifth	NOUN
fsr-3778	212	5	of	of	ADP
fsr-3778	212	6	bankrupts	bankrupt	NOUN
fsr-3778	212	7	had	have	AUX
fsr-3778	212	8	been	be	AUX
fsr-3778	212	9	involved	involve	VERB
fsr-3778	212	10	in	in	ADP
fsr-3778	212	11	entrepreneurial	entrepreneurial	ADJ
fsr-3778	212	12	businesses	business	NOUN
fsr-3778	212	13	.	.	PUNCT
fsr-3778	213	1	while	while	SCONJ
fsr-3778	213	2	mortgage	mortgage	NOUN
fsr-3778	213	3	debt	debt	NOUN
fsr-3778	213	4	was	be	AUX
fsr-3778	213	5	similar	similar	ADJ
fsr-3778	213	6	to	to	ADP
fsr-3778	213	7	other	other	ADJ
fsr-3778	213	8	families	family	NOUN
fsr-3778	213	9	,	,	PUNCT
fsr-3778	213	10	families	family	NOUN
fsr-3778	213	11	in	in	ADP
fsr-3778	213	12	serious	serious	ADJ
fsr-3778	213	13	economic	economic	ADJ
fsr-3778	213	14	trouble	trouble	NOUN
fsr-3778	213	15	had	have	VERB
fsr-3778	213	16	excessive	excessive	ADJ
fsr-3778	213	17	consumer	consumer	NOUN
fsr-3778	213	18	debt	debt	NOUN
fsr-3778	213	19	.	.	PUNCT
fsr-3778	214	1	household	household	NOUN
fsr-3778	214	2	size	size	NOUN
fsr-3778	214	3	tended	tend	VERB
fsr-3778	214	4	to	to	PART
fsr-3778	214	5	be	be	AUX
fsr-3778	214	6	larger	large	ADJ
fsr-3778	214	7	for	for	ADP
fsr-3778	214	8	families	family	NOUN
fsr-3778	214	9	with	with	ADP
fsr-3778	214	10	debt	debt	NOUN
fsr-3778	214	11	problems	problem	NOUN
fsr-3778	214	12	.	.	PUNCT
fsr-3778	215	1	single	single	ADJ
fsr-3778	215	2	women	woman	NOUN
fsr-3778	215	3	were	be	AUX
fsr-3778	215	4	shown	show	VERB
fsr-3778	215	5	to	to	PART
fsr-3778	215	6	be	be	AUX
fsr-3778	215	7	especially	especially	ADV
fsr-3778	215	8	vulnerable	vulnerable	ADJ
fsr-3778	215	9	because	because	SCONJ
fsr-3778	215	10	of	of	ADP
fsr-3778	215	11	their	their	PRON
fsr-3778	215	12	low	low	ADJ
fsr-3778	215	13	incomes	income	NOUN
fsr-3778	215	14	and	and	CCONJ
fsr-3778	215	15	possible	possible	ADJ
fsr-3778	215	16	lack	lack	NOUN
fsr-3778	215	17	of	of	ADP
fsr-3778	215	18	fringe	fringe	NOUN
fsr-3778	215	19	benefits	benefit	NOUN
fsr-3778	215	20	.	.	PUNCT
fsr-3778	216	1	the	the	DET
fsr-3778	216	2	research	research	NOUN
fsr-3778	216	3	described	describe	VERB
fsr-3778	216	4	here	here	ADV
fsr-3778	216	5	provides	provide	VERB
fsr-3778	216	6	insight	insight	NOUN
fsr-3778	216	7	into	into	ADP
fsr-3778	216	8	the	the	DET
fsr-3778	216	9	complexity	complexity	NOUN
fsr-3778	216	10	of	of	ADP
fsr-3778	216	11	analyzing	analyze	VERB
fsr-3778	216	12	late	late	ADJ
fsr-3778	216	13	payment	payment	NOUN
fsr-3778	216	14	behavior	behavior	NOUN
fsr-3778	216	15	,	,	PUNCT
fsr-3778	216	16	default	default	NOUN
fsr-3778	216	17	,	,	PUNCT
fsr-3778	216	18	and	and	CCONJ
fsr-3778	216	19	bankruptcy	bankruptcy	NOUN
fsr-3778	216	20	.	.	PUNCT
fsr-3778	217	1	although	although	SCONJ
fsr-3778	217	2	the	the	DET
fsr-3778	217	3	conceptual	conceptual	ADJ
fsr-3778	217	4	review	review	NOUN
fsr-3778	217	5	has	have	AUX
fsr-3778	217	6	suggested	suggest	VERB
fsr-3778	217	7	that	that	SCONJ
fsr-3778	217	8	attitudinal	attitudinal	ADJ
fsr-3778	217	9	and	and	CCONJ
fsr-3778	217	10	life	life	NOUN
fsr-3778	217	11	-	-	PUNCT
fsr-3778	217	12	style	style	NOUN
fsr-3778	217	13	factors	factor	NOUN
fsr-3778	217	14	as	as	ADV
fsr-3778	217	15	well	well	ADV
fsr-3778	217	16	as	as	ADP
fsr-3778	217	17	financial	financial	ADJ
fsr-3778	217	18	and	and	CCONJ
fsr-3778	217	19	life	life	NOUN
fsr-3778	217	20	events	event	NOUN
fsr-3778	217	21	impact	impact	NOUN
fsr-3778	217	22	repayment	repayment	NOUN
fsr-3778	217	23	of	of	ADP
fsr-3778	217	24	debt	debt	NOUN
fsr-3778	217	25	,	,	PUNCT
fsr-3778	217	26	factors	factor	NOUN
fsr-3778	217	27	measured	measure	VERB
fsr-3778	217	28	were	be	AUX
fsr-3778	217	29	limited	limit	VERB
fsr-3778	217	30	to	to	PART
fsr-3778	217	31	easily	easily	ADV
fsr-3778	217	32	observed	observed	ADJ
fsr-3778	217	33	and	and	CCONJ
fsr-3778	217	34	readily	readily	ADV
fsr-3778	217	35	quantifiable	quantifiable	ADJ
fsr-3778	217	36	items	item	NOUN
fsr-3778	217	37	.	.	PUNCT
fsr-3778	218	1	but	but	CCONJ
fsr-3778	218	2	,	,	PUNCT
fsr-3778	218	3	the	the	DET
fsr-3778	218	4	studies	study	NOUN
fsr-3778	218	5	show	show	VERB
fsr-3778	218	6	that	that	SCONJ
fsr-3778	218	7	individuals	individual	NOUN
fsr-3778	218	8	and	and	CCONJ
fsr-3778	218	9	families	family	NOUN
fsr-3778	218	10	who	who	PRON
fsr-3778	218	11	are	be	AUX
fsr-3778	218	12	most	most	ADV
fsr-3778	218	13	at	at	ADP
fsr-3778	218	14	risk	risk	NOUN
fsr-3778	218	15	are	be	AUX
fsr-3778	218	16	more	more	ADV
fsr-3778	218	17	likely	likely	ADJ
fsr-3778	218	18	to	to	PART
fsr-3778	218	19	become	become	VERB
fsr-3778	218	20	insolvent	insolvent	ADJ
fsr-3778	218	21	.	.	PUNCT
fsr-3778	219	1	these	these	DET
fsr-3778	219	2	at	at	ADP
fsr-3778	219	3	-	-	PUNCT
fsr-3778	219	4	risk	risk	NOUN
fsr-3778	219	5	individuals	individual	NOUN
fsr-3778	219	6	and	and	CCONJ
fsr-3778	219	7	families	family	NOUN
fsr-3778	219	8	include	include	VERB
fsr-3778	219	9	persons	person	NOUN
fsr-3778	219	10	who	who	PRON
fsr-3778	219	11	are	be	AUX
fsr-3778	219	12	younger	young	ADJ
fsr-3778	219	13	,	,	PUNCT
fsr-3778	219	14	nonwhite	nonwhite	ADJ
fsr-3778	219	15	,	,	PUNCT
fsr-3778	219	16	divorced	divorced	ADJ
fsr-3778	219	17	or	or	CCONJ
fsr-3778	219	18	separated	separate	VERB
fsr-3778	219	19	,	,	PUNCT
fsr-3778	219	20	renters	renter	NOUN
fsr-3778	219	21	,	,	PUNCT
fsr-3778	219	22	single	single	ADJ
fsr-3778	219	23	-	-	PUNCT
fsr-3778	219	24	earner	earner	NOUN
fsr-3778	219	25	low	low	ADJ
fsr-3778	219	26	-	-	PUNCT
fsr-3778	219	27	income	income	NOUN
fsr-3778	219	28	families	family	NOUN
fsr-3778	219	29	,	,	PUNCT
fsr-3778	219	30	those	those	PRON
fsr-3778	219	31	with	with	ADP
fsr-3778	219	32	high	high	ADJ
fsr-3778	219	33	debt	debt	NOUN
fsr-3778	219	34	service	service	NOUN
fsr-3778	219	35	levels	level	NOUN
fsr-3778	219	36	,	,	PUNCT
fsr-3778	219	37	and	and	CCONJ
fsr-3778	219	38	those	those	PRON
fsr-3778	219	39	with	with	ADP
fsr-3778	219	40	little	little	ADJ
fsr-3778	219	41	or	or	CCONJ
fsr-3778	219	42	no	no	PRON
fsr-3778	219	43	liquid	liquid	ADJ
fsr-3778	219	44	assets	asset	NOUN
fsr-3778	219	45	.	.	PUNCT
fsr-3778	220	1	also	also	ADV
fsr-3778	220	2	,	,	PUNCT
fsr-3778	220	3	sullivan	sullivan	PROPN
fsr-3778	220	4	et	et	PROPN
fsr-3778	220	5	al	al	PROPN
fsr-3778	220	6	.	.	PROPN
fsr-3778	221	1	(	(	PUNCT
fsr-3778	221	2	1989	1989	NUM
fsr-3778	221	3	)	)	PUNCT
fsr-3778	221	4	found	find	VERB
fsr-3778	221	5	that	that	SCONJ
fsr-3778	221	6	single	single	ADJ
fsr-3778	221	7	women	woman	NOUN
fsr-3778	221	8	who	who	PRON
fsr-3778	221	9	received	receive	VERB
fsr-3778	221	10	little	little	ADJ
fsr-3778	221	11	or	or	CCONJ
fsr-3778	221	12	no	no	PRON
fsr-3778	221	13	supplemental	supplemental	ADJ
fsr-3778	221	14	income	income	NOUN
fsr-3778	221	15	such	such	ADJ
fsr-3778	221	16	as	as	ADP
fsr-3778	221	17	child	child	NOUN
fsr-3778	221	18	support	support	NOUN
fsr-3778	221	19	or	or	CCONJ
fsr-3778	221	20	alimony	alimony	NOUN
fsr-3778	221	21	and	and	CCONJ
fsr-3778	221	22	single	single	ADJ
fsr-3778	221	23	women	woman	NOUN
fsr-3778	221	24	with	with	ADP
fsr-3778	221	25	high	high	ADJ
fsr-3778	221	26	levels	level	NOUN
fsr-3778	221	27	of	of	ADP
fsr-3778	221	28	medical	medical	ADJ
fsr-3778	221	29	debt	debt	NOUN
fsr-3778	221	30	to	to	ADP
fsr-3778	221	31	income	income	NOUN
fsr-3778	221	32	were	be	AUX
fsr-3778	221	33	particularly	particularly	ADV
fsr-3778	221	34	vulnerable	vulnerable	ADJ
fsr-3778	221	35	to	to	ADP
fsr-3778	221	36	bankruptcy	bankruptcy	NOUN
fsr-3778	221	37	.	.	PUNCT
fsr-3778	222	1	the	the	DET
fsr-3778	222	2	studies	study	NOUN
fsr-3778	222	3	are	be	AUX
fsr-3778	222	4	not	not	PART
fsr-3778	222	5	detailed	detail	VERB
fsr-3778	222	6	enough	enough	ADV
fsr-3778	222	7	to	to	PART
fsr-3778	222	8	pinpoint	pinpoint	VERB
fsr-3778	222	9	the	the	DET
fsr-3778	222	10	causes	cause	NOUN
fsr-3778	222	11	of	of	ADP
fsr-3778	222	12	insolvency	insolvency	NOUN
fsr-3778	222	13	but	but	CCONJ
fsr-3778	222	14	the	the	DET
fsr-3778	222	15	underlying	underlie	VERB
fsr-3778	222	16	current	current	NOUN
fsr-3778	222	17	is	be	AUX
fsr-3778	222	18	apparent	apparent	ADJ
fsr-3778	222	19	:	:	PUNCT
fsr-3778	222	20	one	one	NUM
fsr-3778	222	21	or	or	CCONJ
fsr-3778	222	22	more	more	ADV
fsr-3778	222	23	related	relate	VERB
fsr-3778	222	24	demographic	demographic	ADJ
fsr-3778	222	25	charac	charac	NOUN
fsr-3778	222	26	teristics	teristic	NOUN
fsr-3778	222	27	in	in	ADP
fsr-3778	222	28	conjunction	conjunction	NOUN
fsr-3778	222	29	with	with	ADP
fsr-3778	222	30	a	a	DET
fsr-3778	222	31	life	life	NOUN
fsr-3778	222	32	event	event	NOUN
fsr-3778	222	33	or	or	CCONJ
fsr-3778	222	34	attitudinal	attitudinal	ADJ
fsr-3778	222	35	factor	factor	NOUN
fsr-3778	222	36	.	.	PUNCT
fsr-3778	223	1	iv	iv	X
fsr-3778	223	2	.	.	PUNCT
fsr-3778	223	3	predictive	predictive	ADJ
fsr-3778	223	4	models	model	NOUN
fsr-3778	223	5	of	of	ADP
fsr-3778	223	6	insolvency	insolvency	NOUN
fsr-3778	223	7	although	although	SCONJ
fsr-3778	223	8	the	the	DET
fsr-3778	223	9	previous	previous	ADJ
fsr-3778	223	10	studies	study	NOUN
fsr-3778	223	11	are	be	AUX
fsr-3778	223	12	useful	useful	ADJ
fsr-3778	223	13	in	in	ADP
fsr-3778	223	14	describing	describe	VERB
fsr-3778	223	15	the	the	DET
fsr-3778	223	16	financial	financial	ADJ
fsr-3778	223	17	statuses	status	NOUN
fsr-3778	223	18	of	of	ADP
fsr-3778	223	19	house	house	NOUN
fsr-3778	223	20	holds	hold	VERB
fsr-3778	223	21	,	,	PUNCT
fsr-3778	223	22	a	a	DET
fsr-3778	223	23	shortcoming	shortcoming	NOUN
fsr-3778	223	24	of	of	ADP
fsr-3778	223	25	these	these	DET
fsr-3778	223	26	studies	study	NOUN
fsr-3778	223	27	is	be	AUX
fsr-3778	223	28	that	that	SCONJ
fsr-3778	223	29	they	they	PRON
fsr-3778	223	30	are	be	AUX
fsr-3778	223	31	not	not	PART
fsr-3778	223	32	prescriptive	prescriptive	ADJ
fsr-3778	223	33	.	.	PUNCT
fsr-3778	224	1	while	while	SCONJ
fsr-3778	224	2	they	they	PRON
fsr-3778	224	3	tend	tend	VERB
fsr-3778	224	4	to	to	PART
fsr-3778	224	5	pinpoint	pinpoint	VERB
fsr-3778	224	6	the	the	DET
fsr-3778	224	7	problems	problem	NOUN
fsr-3778	224	8	that	that	PRON
fsr-3778	224	9	appear	appear	VERB
fsr-3778	224	10	to	to	PART
fsr-3778	224	11	be	be	AUX
fsr-3778	224	12	related	relate	VERB
fsr-3778	224	13	to	to	ADP
fsr-3778	224	14	insolvency	insolvency	NOUN
fsr-3778	224	15	,	,	PUNCT
fsr-3778	224	16	they	they	PRON
fsr-3778	224	17	neglect	neglect	VERB
fsr-3778	224	18	to	to	PART
fsr-3778	224	19	provide	provide	VERB
fsr-3778	224	20	businesses	business	NOUN
fsr-3778	224	21	or	or	CCONJ
fsr-3778	224	22	consumers	consumer	NOUN
fsr-3778	224	23	with	with	ADP
fsr-3778	224	24	the	the	DET
fsr-3778	224	25	necessary	necessary	ADJ
fsr-3778	224	26	information	information	NOUN
fsr-3778	224	27	to	to	PART
fsr-3778	224	28	estimate	estimate	VERB
fsr-3778	224	29	the	the	DET
fsr-3778	224	30	incidence	incidence	NOUN
fsr-3778	224	31	of	of	ADP
fsr-3778	224	32	insolvency	insolvency	NOUN
fsr-3778	224	33	.	.	PUNCT
fsr-3778	225	1	consumer	consumer	NOUN
fsr-3778	225	2	credit	credit	NOUN
fsr-3778	225	3	,	,	PUNCT
fsr-3778	225	4	and	and	CCONJ
fsr-3778	225	5	more	more	ADV
fsr-3778	225	6	recently	recently	ADV
fsr-3778	225	7	commercial	commercial	ADJ
fsr-3778	225	8	credit	credit	NOUN
fsr-3778	225	9	and	and	CCONJ
fsr-3778	225	10	mortgage	mortgage	NOUN
fsr-3778	225	11	lending	lending	NOUN
fsr-3778	225	12	,	,	PUNCT
fsr-3778	225	13	rely	rely	VERB
fsr-3778	225	14	on	on	ADP
fsr-3778	225	15	credit	credit	NOUN
fsr-3778	225	16	scoring	scoring	NOUN
fsr-3778	225	17	systems	system	NOUN
fsr-3778	225	18	to	to	PART
fsr-3778	225	19	determine	determine	VERB
fsr-3778	225	20	creditworthiness	creditworthiness	NOUN
fsr-3778	225	21	for	for	ADP
fsr-3778	225	22	establishing	establish	VERB
fsr-3778	225	23	accounts	account	NOUN
fsr-3778	225	24	as	as	ADV
fsr-3778	225	25	well	well	ADV
fsr-3778	225	26	as	as	ADP
fsr-3778	225	27	later	late	ADJ
fsr-3778	225	28	strategies	strategy	NOUN
fsr-3778	225	29	for	for	ADP
fsr-3778	225	30	account	account	NOUN
fsr-3778	225	31	management	management	NOUN
fsr-3778	225	32	.	.	PUNCT
fsr-3778	226	1	selected	select	VERB
fsr-3778	226	2	financial	financial	ADJ
fsr-3778	226	3	ratios	ratio	NOUN
fsr-3778	226	4	represent	represent	VERB
fsr-3778	226	5	just	just	ADV
fsr-3778	226	6	one	one	NUM
fsr-3778	226	7	information	information	NOUN
fsr-3778	226	8	source	source	NOUN
fsr-3778	226	9	considered	consider	VERB
fsr-3778	226	10	by	by	ADP
fsr-3778	226	11	some	some	DET
fsr-3778	226	12	scoring	scoring	NOUN
fsr-3778	226	13	schemes	scheme	NOUN
fsr-3778	226	14	.	.	PUNCT
fsr-3778	227	1	recently	recently	ADV
fsr-3778	227	2	,	,	PUNCT
fsr-3778	227	3	financial	financial	ADJ
fsr-3778	227	4	educators	educator	NOUN
fsr-3778	227	5	,	,	PUNCT
fsr-3778	227	6	counselors	counselor	NOUN
fsr-3778	227	7	,	,	PUNCT
fsr-3778	227	8	and	and	CCONJ
fsr-3778	227	9	planners	planner	NOUN
fsr-3778	227	10	have	have	AUX
fsr-3778	227	11	advocated	advocate	VERB
fsr-3778	227	12	the	the	DET
fsr-3778	227	13	use	use	NOUN
fsr-3778	227	14	of	of	ADP
fsr-3778	227	15	financial	financial	ADJ
fsr-3778	227	16	ratios	ratio	NOUN
fsr-3778	227	17	as	as	ADP
fsr-3778	227	18	a	a	DET
fsr-3778	227	19	useful	useful	ADJ
fsr-3778	227	20	tool	tool	NOUN
fsr-3778	227	21	to	to	PART
fsr-3778	227	22	help	help	VERB
fsr-3778	227	23	consumers	consumer	NOUN
fsr-3778	227	24	monitor	monitor	VERB
fsr-3778	227	25	financial	financial	ADJ
fsr-3778	227	26	progress	progress	NOUN
fsr-3778	227	27	and	and	CCONJ
fsr-3778	227	28	anticipate	anticipate	VERB
fsr-3778	227	29	problems	problem	NOUN
fsr-3778	227	30	.	.	PUNCT
fsr-3778	228	1	these	these	DET
fsr-3778	228	2	predictive	predictive	ADJ
fsr-3778	228	3	models	model	NOUN
fsr-3778	228	4	and	and	CCONJ
fsr-3778	228	5	the	the	DET
fsr-3778	228	6	assumptions	assumption	NOUN
fsr-3778	228	7	upon	upon	SCONJ
fsr-3778	228	8	which	which	PRON
fsr-3778	228	9	they	they	PRON
fsr-3778	228	10	are	be	AUX
fsr-3778	228	11	based	base	VERB
fsr-3778	228	12	are	be	AUX
fsr-3778	228	13	now	now	ADV
fsr-3778	228	14	reviewed	review	VERB
fsr-3778	228	15	.	.	PUNCT
fsr-3778	229	1	a.	a.	NOUN
fsr-3778	229	2	credit	credit	NOUN
fsr-3778	229	3	scoring	scoring	NOUN
fsr-3778	229	4	:	:	PUNCT
fsr-3778	229	5	avoiding	avoid	VERB
fsr-3778	229	6	the	the	DET
fsr-3778	229	7	insolvent	insolvent	NOUN
fsr-3778	229	8	the	the	DET
fsr-3778	229	9	origins	origin	NOUN
fsr-3778	229	10	of	of	ADP
fsr-3778	229	11	credit	credit	NOUN
fsr-3778	229	12	scoring	scoring	NOUN
fsr-3778	229	13	are	be	AUX
fsr-3778	229	14	traced	trace	VERB
fsr-3778	229	15	to	to	ADP
fsr-3778	229	16	the	the	DET
fsr-3778	229	17	1940s	1940	NOUN
fsr-3778	229	18	(	(	PUNCT
fsr-3778	229	19	durand	durand	NOUN
fsr-3778	229	20	,	,	PUNCT
fsr-3778	229	21	1941	1941	NUM
fsr-3778	229	22	)	)	PUNCT
fsr-3778	229	23	,	,	PUNCT
fsr-3778	229	24	but	but	CCONJ
fsr-3778	229	25	it	it	PRON
fsr-3778	229	26	was	be	AUX
fsr-3778	229	27	not	not	PART
fsr-3778	229	28	until	until	ADP
fsr-3778	229	29	the	the	DET
fsr-3778	229	30	1960s	1960	NOUN
fsr-3778	229	31	that	that	SCONJ
fsr-3778	229	32	there	there	PRON
fsr-3778	229	33	was	be	VERB
fsr-3778	229	34	widespread	widespread	ADJ
fsr-3778	229	35	interest	interest	NOUN
fsr-3778	229	36	in	in	ADP
fsr-3778	229	37	the	the	DET
fsr-3778	229	38	development	development	NOUN
fsr-3778	229	39	and	and	CCONJ
fsr-3778	229	40	use	use	NOUN
fsr-3778	229	41	of	of	ADP
fsr-3778	229	42	credit	credit	NOUN
fsr-3778	229	43	scoring	score	VERB
fsr-3778	229	44	146	146	NUM
fsr-3778	229	45	financial	financial	ADJ
fsr-3778	229	46	services	service	NOUN
fsr-3778	229	47	review	review	NOUN
fsr-3778	229	48	4(2	4(2	NUM
fsr-3778	229	49	)	)	PUNCT
fsr-3778	229	50	1995	1995	NUM
fsr-3778	229	51	systems	system	NOUN
fsr-3778	229	52	for	for	ADP
fsr-3778	229	53	establishing	establish	VERB
fsr-3778	229	54	creditworthiness	creditworthiness	NOUN
fsr-3778	229	55	among	among	ADP
fsr-3778	229	56	applicants	applicant	NOUN
fsr-3778	229	57	.	.	PUNCT
fsr-3778	230	1	an	an	DET
fsr-3778	230	2	increasingly	increasingly	ADV
fsr-3778	230	3	competitive	competitive	ADJ
fsr-3778	230	4	market	market	NOUN
fsr-3778	230	5	,	,	PUNCT
fsr-3778	230	6	a	a	DET
fsr-3778	230	7	rapidly	rapidly	ADV
fsr-3778	230	8	expanding	expand	VERB
fsr-3778	230	9	and	and	CCONJ
fsr-3778	230	10	mobile	mobile	ADJ
fsr-3778	230	11	consumer	consumer	NOUN
fsr-3778	230	12	market	market	NOUN
fsr-3778	230	13	,	,	PUNCT
fsr-3778	230	14	and	and	CCONJ
fsr-3778	230	15	later	later	ADV
fsr-3778	230	16	concerns	concern	NOUN
fsr-3778	230	17	over	over	ADP
fsr-3778	230	18	fairness	fairness	NOUN
fsr-3778	230	19	and	and	CCONJ
fsr-3778	230	20	discrimination	discrimination	NOUN
fsr-3778	230	21	in	in	ADP
fsr-3778	230	22	lending	lending	NOUN
fsr-3778	230	23	practices	practice	NOUN
fsr-3778	230	24	increased	increase	VERB
fsr-3778	230	25	demand	demand	NOUN
fsr-3778	230	26	for	for	ADP
fsr-3778	230	27	automated	automate	VERB
fsr-3778	230	28	credit	credit	NOUN
fsr-3778	230	29	evaluation	evaluation	NOUN
fsr-3778	230	30	systems	system	NOUN
fsr-3778	230	31	.	.	PUNCT
fsr-3778	231	1	more	more	ADV
fsr-3778	231	2	recently	recently	ADV
fsr-3778	231	3	,	,	PUNCT
fsr-3778	231	4	other	other	ADJ
fsr-3778	231	5	factors	factor	NOUN
fsr-3778	231	6	,	,	PUNCT
fsr-3778	231	7	such	such	ADJ
fsr-3778	231	8	as	as	ADP
fsr-3778	231	9	economies	economy	NOUN
fsr-3778	231	10	of	of	ADP
fsr-3778	231	11	scale	scale	NOUN
fsr-3778	231	12	associated	associate	VERB
fsr-3778	231	13	with	with	ADP
fsr-3778	231	14	automation	automation	NOUN
fsr-3778	231	15	,	,	PUNCT
fsr-3778	231	16	the	the	DET
fsr-3778	231	17	availability	availability	NOUN
fsr-3778	231	18	of	of	ADP
fsr-3778	231	19	management	management	NOUN
fsr-3778	231	20	for	for	ADP
fsr-3778	231	21	other	other	ADJ
fsr-3778	231	22	tasks	task	NOUN
fsr-3778	231	23	,	,	PUNCT
fsr-3778	231	24	and	and	CCONJ
fsr-3778	231	25	a	a	DET
fsr-3778	231	26	rapidly	rapidly	ADV
fsr-3778	231	27	changing	change	VERB
fsr-3778	231	28	marketplace	marketplace	NOUN
fsr-3778	231	29	charac	charac	NOUN
fsr-3778	231	30	terized	terize	VERB
fsr-3778	231	31	by	by	ADP
fsr-3778	231	32	inflation	inflation	NOUN
fsr-3778	231	33	and	and	CCONJ
fsr-3778	231	34	recession	recession	NOUN
fsr-3778	231	35	,	,	PUNCT
fsr-3778	231	36	have	have	AUX
fsr-3778	231	37	contributed	contribute	VERB
fsr-3778	231	38	to	to	ADP
fsr-3778	231	39	the	the	DET
fsr-3778	231	40	expansion	expansion	NOUN
fsr-3778	231	41	of	of	ADP
fsr-3778	231	42	the	the	DET
fsr-3778	231	43	technology	technology	NOUN
fsr-3778	231	44	.	.	PUNCT
fsr-3778	232	1	originally	originally	ADV
fsr-3778	232	2	,	,	PUNCT
fsr-3778	232	3	credit	credit	NOUN
fsr-3778	232	4	scoring	scoring	NOUN
fsr-3778	232	5	referred	refer	VERB
fsr-3778	232	6	to	to	ADP
fsr-3778	232	7	the	the	DET
fsr-3778	232	8	use	use	NOUN
fsr-3778	232	9	of	of	ADP
fsr-3778	232	10	statistical	statistical	ADJ
fsr-3778	232	11	methods	method	NOUN
fsr-3778	232	12	for	for	ADP
fsr-3778	232	13	predicting	predict	VERB
fsr-3778	232	14	the	the	DET
fsr-3778	232	15	likelihood	likelihood	NOUN
fsr-3778	232	16	of	of	ADP
fsr-3778	232	17	default	default	NOUN
fsr-3778	232	18	by	by	ADP
fsr-3778	232	19	comparing	compare	VERB
fsr-3778	232	20	key	key	ADJ
fsr-3778	232	21	applicant	applicant	ADJ
fsr-3778	232	22	characteristics	characteristic	NOUN
fsr-3778	232	23	with	with	ADP
fsr-3778	232	24	a	a	DET
fsr-3778	232	25	known	know	VERB
fsr-3778	232	26	profile	profile	NOUN
fsr-3778	232	27	to	to	PART
fsr-3778	232	28	classify	classify	VERB
fsr-3778	232	29	credit	credit	NOUN
fsr-3778	232	30	applicants	applicant	NOUN
fsr-3778	232	31	,	,	PUNCT
fsr-3778	232	32	on	on	ADP
fsr-3778	232	33	the	the	DET
fsr-3778	232	34	basis	basis	NOUN
fsr-3778	232	35	of	of	ADP
fsr-3778	232	36	the	the	DET
fsr-3778	232	37	score	score	NOUN
fsr-3778	232	38	generated	generate	VERB
fsr-3778	232	39	,	,	PUNCT
fsr-3778	232	40	as	as	ADP
fsr-3778	232	41	“	"	PUNCT
fsr-3778	232	42	good	good	ADJ
fsr-3778	232	43	”	"	PUNCT
fsr-3778	232	44	or	or	CCONJ
fsr-3778	232	45	“	"	PUNCT
fsr-3778	232	46	bad	bad	ADJ
fsr-3778	232	47	”	"	PUNCT
fsr-3778	232	48	risks	risk	NOUN
fsr-3778	232	49	.	.	PUNCT
fsr-3778	233	1	“	"	PUNCT
fsr-3778	233	2	application	application	NOUN
fsr-3778	233	3	scoring	scoring	NOUN
fsr-3778	233	4	”	"	PUNCT
fsr-3778	233	5	later	later	ADV
fsr-3778	233	6	evolved	evolve	VERB
fsr-3778	233	7	into	into	ADP
fsr-3778	233	8	“	"	PUNCT
fsr-3778	233	9	behavioral	behavioral	ADJ
fsr-3778	233	10	scoring	scoring	NOUN
fsr-3778	233	11	”	"	PUNCT
fsr-3778	233	12	for	for	ADP
fsr-3778	233	13	tracking	tracking	NOUN
fsr-3778	233	14	and	and	CCONJ
fsr-3778	233	15	predicting	predict	VERB
fsr-3778	233	16	the	the	DET
fsr-3778	233	17	performance	performance	NOUN
fsr-3778	233	18	of	of	ADP
fsr-3778	233	19	individual	individual	ADJ
fsr-3778	233	20	accounts	account	NOUN
fsr-3778	233	21	on	on	ADP
fsr-3778	233	22	an	an	DET
fsr-3778	233	23	ongoing	ongoing	ADJ
fsr-3778	233	24	basis	basis	NOUN
fsr-3778	233	25	.	.	PUNCT
fsr-3778	234	1	although	although	SCONJ
fsr-3778	234	2	prediction	prediction	NOUN
fsr-3778	234	3	of	of	ADP
fsr-3778	234	4	delinquency	delinquency	NOUN
fsr-3778	234	5	and	and	CCONJ
fsr-3778	234	6	bankruptcy	bankruptcy	NOUN
fsr-3778	234	7	are	be	AUX
fsr-3778	234	8	major	major	ADJ
fsr-3778	234	9	concerns	concern	NOUN
fsr-3778	234	10	of	of	ADP
fsr-3778	234	11	behavioral	behavioral	ADJ
fsr-3778	234	12	scoring	scoring	NOUN
fsr-3778	234	13	,	,	PUNCT
fsr-3778	234	14	other	other	ADJ
fsr-3778	234	15	issues	issue	NOUN
fsr-3778	234	16	include	include	VERB
fsr-3778	234	17	account	account	NOUN
fsr-3778	234	18	attrition	attrition	NOUN
fsr-3778	234	19	,	,	PUNCT
fsr-3778	234	20	account	account	NOUN
fsr-3778	234	21	collection	collection	NOUN
fsr-3778	234	22	efforts	effort	NOUN
fsr-3778	234	23	,	,	PUNCT
fsr-3778	234	24	changes	change	NOUN
fsr-3778	234	25	in	in	ADP
fsr-3778	234	26	account	account	NOUN
fsr-3778	234	27	credit	credit	NOUN
fsr-3778	234	28	limits	limit	NOUN
fsr-3778	234	29	,	,	PUNCT
fsr-3778	234	30	account	account	NOUN
fsr-3778	234	31	reissue	reissue	NOUN
fsr-3778	234	32	periods	period	NOUN
fsr-3778	234	33	,	,	PUNCT
fsr-3778	234	34	and	and	CCONJ
fsr-3778	234	35	other	other	ADJ
fsr-3778	234	36	account	account	NOUN
fsr-3778	234	37	promotional	promotional	ADJ
fsr-3778	234	38	/	/	SYM
fsr-3778	234	39	marketing	marketing	NOUN
fsr-3778	234	40	decisions	decision	NOUN
fsr-3778	234	41	(	(	PUNCT
fsr-3778	234	42	pellegrino	pellegrino	NOUN
fsr-3778	234	43	,	,	PUNCT
fsr-3778	234	44	1988	1988	NUM
fsr-3778	234	45	;	;	PUNCT
fsr-3778	234	46	radding	radde	VERB
fsr-3778	234	47	,	,	PUNCT
fsr-3778	234	48	1992	1992	NUM
fsr-3778	234	49	;	;	PUNCT
fsr-3778	234	50	rosenberg	rosenberg	PROPN
fsr-3778	234	51	&	&	CCONJ
fsr-3778	234	52	gleit	gleit	PROPN
fsr-3778	234	53	,	,	PUNCT
fsr-3778	234	54	1994	1994	NUM
fsr-3778	234	55	)	)	PUNCT
fsr-3778	234	56	.	.	PUNCT
fsr-3778	235	1	neural	neural	ADJ
fsr-3778	235	2	networks	network	NOUN
fsr-3778	235	3	,	,	PUNCT
fsr-3778	235	4	or	or	CCONJ
fsr-3778	235	5	expert	expert	NOUN
fsr-3778	235	6	systems	system	NOUN
fsr-3778	235	7	technology	technology	NOUN
fsr-3778	235	8	,	,	PUNCT
fsr-3778	235	9	offers	offer	VERB
fsr-3778	235	10	yet	yet	ADV
fsr-3778	235	11	another	another	DET
fsr-3778	235	12	advancement	advancement	NOUN
fsr-3778	235	13	over	over	ADP
fsr-3778	235	14	more	more	ADV
fsr-3778	235	15	traditional	traditional	ADJ
fsr-3778	235	16	statistical	statistical	ADJ
fsr-3778	235	17	procedures	procedure	NOUN
fsr-3778	235	18	by	by	ADP
fsr-3778	235	19	predicting	predict	VERB
fsr-3778	235	20	multiple	multiple	NOUN
fsr-3778	235	21	,	,	PUNCT
fsr-3778	235	22	as	as	SCONJ
fsr-3778	235	23	opposed	oppose	VERB
fsr-3778	235	24	to	to	ADP
fsr-3778	235	25	binary	binary	ADJ
fsr-3778	235	26	,	,	PUNCT
fsr-3778	235	27	outcomes	outcome	NOUN
fsr-3778	235	28	(	(	PUNCT
fsr-3778	235	29	jenson	jenson	PROPN
fsr-3778	235	30	,	,	PUNCT
fsr-3778	235	31	1992	1992	NUM
fsr-3778	235	32	;	;	PUNCT
fsr-3778	235	33	jost	jost	NOUN
fsr-3778	235	34	,	,	PUNCT
fsr-3778	235	35	1993	1993	NUM
fsr-3778	235	36	)	)	PUNCT
fsr-3778	235	37	.	.	PUNCT
fsr-3778	236	1	scoring	score	VERB
fsr-3778	236	2	systems	system	NOUN
fsr-3778	236	3	can	can	AUX
fsr-3778	236	4	be	be	AUX
fsr-3778	236	5	developed	develop	VERB
fsr-3778	236	6	in	in	ADP
fsr-3778	236	7	-	-	PUNCT
fsr-3778	236	8	house	house	NOUN
fsr-3778	236	9	or	or	CCONJ
fsr-3778	236	10	in	in	ADP
fsr-3778	236	11	conjunction	conjunction	NOUN
fsr-3778	236	12	with	with	ADP
fsr-3778	236	13	a	a	DET
fsr-3778	236	14	major	major	ADJ
fsr-3778	236	15	vendor	vendor	NOUN
fsr-3778	236	16	(	(	PUNCT
fsr-3778	236	17	e.g.	e.g.	ADV
fsr-3778	236	18	,	,	PUNCT
fsr-3778	236	19	american	american	ADJ
fsr-3778	236	20	management	management	NOUN
fsr-3778	236	21	systems	system	NOUN
fsr-3778	236	22	,	,	PUNCT
fsr-3778	236	23	fair	fair	ADJ
fsr-3778	236	24	-	-	PUNCT
fsr-3778	236	25	isaac	isaac	PROPN
fsr-3778	236	26	,	,	PUNCT
fsr-3778	236	27	etc	etc	X
fsr-3778	236	28	.	.	X
fsr-3778	236	29	)	)	PUNCT
fsr-3778	236	30	;	;	PUNCT
fsr-3778	236	31	services	service	NOUN
fsr-3778	236	32	can	can	AUX
fsr-3778	236	33	be	be	AUX
fsr-3778	236	34	purchased	purchase	VERB
fsr-3778	236	35	from	from	ADP
fsr-3778	236	36	the	the	DET
fsr-3778	236	37	four	four	NUM
fsr-3778	236	38	major	major	ADJ
fsr-3778	236	39	credit	credit	NOUN
fsr-3778	236	40	bureau	bureau	NOUN
fsr-3778	236	41	companies	company	NOUN
fsr-3778	236	42	,	,	PUNCT
fsr-3778	236	43	or	or	CCONJ
fsr-3778	236	44	in	in	ADP
fsr-3778	236	45	-	-	PUNCT
fsr-3778	236	46	house	house	NOUN
fsr-3778	236	47	and	and	CCONJ
fsr-3778	236	48	credit	credit	NOUN
fsr-3778	236	49	bureau	bureau	NOUN
fsr-3778	236	50	services	service	NOUN
fsr-3778	236	51	can	can	AUX
fsr-3778	236	52	be	be	AUX
fsr-3778	236	53	overlapped	overlap	VERB
fsr-3778	236	54	to	to	PART
fsr-3778	236	55	yield	yield	VERB
fsr-3778	236	56	additional	additional	ADJ
fsr-3778	236	57	information	information	NOUN
fsr-3778	236	58	(	(	PUNCT
fsr-3778	236	59	robins	robin	NOUN
fsr-3778	236	60	,	,	PUNCT
fsr-3778	236	61	1992	1992	NUM
fsr-3778	236	62	)	)	PUNCT
fsr-3778	236	63	.	.	PUNCT
fsr-3778	237	1	although	although	SCONJ
fsr-3778	237	2	a	a	DET
fsr-3778	237	3	comprehensive	comprehensive	ADJ
fsr-3778	237	4	review	review	NOUN
fsr-3778	237	5	of	of	ADP
fsr-3778	237	6	the	the	DET
fsr-3778	237	7	development	development	NOUN
fsr-3778	237	8	of	of	ADP
fsr-3778	237	9	scoring	scoring	NOUN
fsr-3778	237	10	models	model	NOUN
fsr-3778	237	11	(	(	PUNCT
fsr-3778	237	12	see	see	VERB
fsr-3778	237	13	capon	capon	NOUN
fsr-3778	237	14	,	,	PUNCT
fsr-3778	237	15	1982	1982	NUM
fsr-3778	237	16	;	;	PUNCT
fsr-3778	237	17	makowski	makowski	PROPN
fsr-3778	237	18	,	,	PUNCT
fsr-3778	237	19	1985	1985	NUM
fsr-3778	237	20	;	;	PUNCT
fsr-3778	237	21	rosenberg	rosenberg	PROPN
fsr-3778	237	22	&	&	CCONJ
fsr-3778	237	23	gleit	gleit	PROPN
fsr-3778	237	24	,	,	PUNCT
fsr-3778	237	25	1994	1994	NUM
fsr-3778	237	26	)	)	PUNCT
fsr-3778	237	27	and	and	CCONJ
fsr-3778	237	28	the	the	DET
fsr-3778	237	29	statistical	statistical	ADJ
fsr-3778	237	30	procedures	procedure	NOUN
fsr-3778	237	31	(	(	PUNCT
fsr-3778	237	32	see	see	VERB
fsr-3778	237	33	chhikara	chhikara	NOUN
fsr-3778	237	34	,	,	PUNCT
fsr-3778	237	35	1989	1989	NUM
fsr-3778	237	36	;	;	PUNCT
fsr-3778	237	37	collins	collins	PROPN
fsr-3778	237	38	&	&	CCONJ
fsr-3778	237	39	green	green	PROPN
fsr-3778	237	40	,	,	PUNCT
fsr-3778	237	41	1982	1982	NUM
fsr-3778	237	42	;	;	PUNCT
fsr-3778	237	43	grablowsky	grablowsky	NOUN
fsr-3778	237	44	&	&	CCONJ
fsr-3778	237	45	talley	talley	PROPN
fsr-3778	237	46	,	,	PUNCT
fsr-3778	237	47	1981	1981	NUM
fsr-3778	237	48	;	;	PUNCT
fsr-3778	237	49	rosenberg	rosenberg	PROPN
fsr-3778	237	50	&	&	CCONJ
fsr-3778	237	51	gleit	gleit	PROPN
fsr-3778	237	52	,	,	PUNCT
fsr-3778	237	53	1994	1994	NUM
fsr-3778	237	54	)	)	PUNCT
fsr-3778	237	55	on	on	ADP
fsr-3778	237	56	which	which	PRON
fsr-3778	237	57	they	they	PRON
fsr-3778	237	58	are	be	AUX
fsr-3778	237	59	based	base	VERB
fsr-3778	237	60	are	be	AUX
fsr-3778	237	61	beyond	beyond	ADP
fsr-3778	237	62	the	the	DET
fsr-3778	237	63	scope	scope	NOUN
fsr-3778	237	64	of	of	ADP
fsr-3778	237	65	this	this	DET
fsr-3778	237	66	article	article	NOUN
fsr-3778	237	67	,	,	PUNCT
fsr-3778	237	68	two	two	NUM
fsr-3778	237	69	issues	issue	NOUN
fsr-3778	237	70	are	be	AUX
fsr-3778	237	71	of	of	ADP
fsr-3778	237	72	primary	primary	ADJ
fsr-3778	237	73	concern	concern	NOUN
fsr-3778	237	74	in	in	ADP
fsr-3778	237	75	the	the	DET
fsr-3778	237	76	context	context	NOUN
fsr-3778	237	77	of	of	ADP
fsr-3778	237	78	consumer	consumer	NOUN
fsr-3778	237	79	insolvency	insolvency	NOUN
fsr-3778	237	80	.	.	PUNCT
fsr-3778	238	1	the	the	DET
fsr-3778	238	2	first	first	ADJ
fsr-3778	238	3	considers	consider	VERB
fsr-3778	238	4	the	the	DET
fsr-3778	238	5	use	use	NOUN
fsr-3778	238	6	of	of	ADP
fsr-3778	238	7	these	these	DET
fsr-3778	238	8	tools	tool	NOUN
fsr-3778	238	9	for	for	ADP
fsr-3778	238	10	managing	manage	VERB
fsr-3778	238	11	risk	risk	NOUN
fsr-3778	238	12	and	and	CCONJ
fsr-3778	238	13	profitability	profitability	NOUN
fsr-3778	238	14	,	,	PUNCT
fsr-3778	238	15	while	while	SCONJ
fsr-3778	238	16	the	the	DET
fsr-3778	238	17	second	second	ADJ
fsr-3778	238	18	considers	consider	VERB
fsr-3778	238	19	the	the	DET
fsr-3778	238	20	characteristics	characteristic	NOUN
fsr-3778	238	21	used	use	VERB
fsr-3778	238	22	by	by	ADP
fsr-3778	238	23	the	the	DET
fsr-3778	238	24	system	system	NOUN
fsr-3778	238	25	for	for	ADP
fsr-3778	238	26	predicting	predict	VERB
fsr-3778	238	27	consumer	consumer	NOUN
fsr-3778	238	28	outcomes	outcome	NOUN
fsr-3778	238	29	that	that	PRON
fsr-3778	238	30	could	could	AUX
fsr-3778	238	31	result	result	VERB
fsr-3778	238	32	in	in	ADP
fsr-3778	238	33	insolvency	insolvency	NOUN
fsr-3778	238	34	.	.	PUNCT
fsr-3778	239	1	initially	initially	ADV
fsr-3778	239	2	,	,	PUNCT
fsr-3778	239	3	credit	credit	NOUN
fsr-3778	239	4	scoring	scoring	NOUN
fsr-3778	239	5	systems	system	NOUN
fsr-3778	239	6	offered	offer	VERB
fsr-3778	239	7	the	the	DET
fsr-3778	239	8	benefits	benefit	NOUN
fsr-3778	239	9	of	of	ADP
fsr-3778	239	10	efficiency	efficiency	NOUN
fsr-3778	239	11	,	,	PUNCT
fsr-3778	239	12	consistency	consistency	NOUN
fsr-3778	239	13	,	,	PUNCT
fsr-3778	239	14	and	and	CCONJ
fsr-3778	239	15	relative	relative	ADJ
fsr-3778	239	16	accuracy	accuracy	NOUN
fsr-3778	239	17	in	in	ADP
fsr-3778	239	18	determining	determine	VERB
fsr-3778	239	19	the	the	DET
fsr-3778	239	20	risk	risk	NOUN
fsr-3778	239	21	associated	associate	VERB
fsr-3778	239	22	with	with	ADP
fsr-3778	239	23	a	a	DET
fsr-3778	239	24	potential	potential	ADJ
fsr-3778	239	25	credit	credit	NOUN
fsr-3778	239	26	applicant	applicant	NOUN
fsr-3778	239	27	.	.	PUNCT
fsr-3778	240	1	but	but	CCONJ
fsr-3778	240	2	rapid	rapid	ADJ
fsr-3778	240	3	advances	advance	NOUN
fsr-3778	240	4	in	in	ADP
fsr-3778	240	5	technology	technology	NOUN
fsr-3778	240	6	and	and	CCONJ
fsr-3778	240	7	the	the	DET
fsr-3778	240	8	ability	ability	NOUN
fsr-3778	240	9	to	to	PART
fsr-3778	240	10	accumulate	accumulate	VERB
fsr-3778	240	11	and	and	CCONJ
fsr-3778	240	12	use	use	VERB
fsr-3778	240	13	consumer	consumer	NOUN
fsr-3778	240	14	profile	profile	NOUN
fsr-3778	240	15	data	datum	NOUN
fsr-3778	240	16	have	have	AUX
fsr-3778	240	17	extended	extend	VERB
fsr-3778	240	18	the	the	DET
fsr-3778	240	19	use	use	NOUN
fsr-3778	240	20	of	of	ADP
fsr-3778	240	21	these	these	DET
fsr-3778	240	22	tools	tool	NOUN
fsr-3778	240	23	from	from	ADP
fsr-3778	240	24	risk	risk	NOUN
fsr-3778	240	25	management	management	NOUN
fsr-3778	240	26	to	to	ADP
fsr-3778	240	27	profitability	profitability	NOUN
fsr-3778	240	28	management	management	NOUN
fsr-3778	240	29	.	.	PUNCT
fsr-3778	241	1	singularly	singularly	ADV
fsr-3778	241	2	and	and	CCONJ
fsr-3778	241	3	in	in	ADP
fsr-3778	241	4	combination	combination	NOUN
fsr-3778	241	5	,	,	PUNCT
fsr-3778	241	6	the	the	DET
fsr-3778	241	7	variety	variety	NOUN
fsr-3778	241	8	of	of	ADP
fsr-3778	241	9	consumer	consumer	NOUN
fsr-3778	241	10	profile	profile	NOUN
fsr-3778	241	11	reports	report	NOUN
fsr-3778	241	12	(	(	PUNCT
fsr-3778	241	13	e.g.	e.g.	ADV
fsr-3778	241	14	,	,	PUNCT
fsr-3778	241	15	credit	credit	NOUN
fsr-3778	241	16	bureau	bureau	NOUN
fsr-3778	241	17	reports	report	VERB
fsr-3778	241	18	,	,	PUNCT
fsr-3778	241	19	behavior	behavior	NOUN
fsr-3778	241	20	scoring	scoring	NOUN
fsr-3778	241	21	reports	report	NOUN
fsr-3778	241	22	,	,	PUNCT
fsr-3778	241	23	chargeoff	chargeoff	NOUN
fsr-3778	241	24	and/or	and/or	CCONJ
fsr-3778	241	25	bankruptcy	bankruptcy	NOUN
fsr-3778	241	26	prediction	prediction	NOUN
fsr-3778	241	27	reports	report	NOUN
fsr-3778	241	28	,	,	PUNCT
fsr-3778	241	29	attrition	attrition	NOUN
fsr-3778	241	30	reports	report	NOUN
fsr-3778	241	31	,	,	PUNCT
fsr-3778	241	32	prescreening	prescreene	VERB
fsr-3778	241	33	profiles	profile	NOUN
fsr-3778	241	34	,	,	PUNCT
fsr-3778	241	35	recovery	recovery	NOUN
fsr-3778	241	36	scoring	scoring	NOUN
fsr-3778	241	37	)	)	PUNCT
fsr-3778	241	38	allow	allow	VERB
fsr-3778	241	39	a	a	DET
fsr-3778	241	40	creditor	creditor	NOUN
fsr-3778	241	41	to	to	PART
fsr-3778	241	42	manage	manage	VERB
fsr-3778	241	43	a	a	DET
fsr-3778	241	44	portfolio	portfolio	NOUN
fsr-3778	241	45	not	not	PART
fsr-3778	241	46	only	only	ADV
fsr-3778	241	47	to	to	PART
fsr-3778	241	48	predict	predict	VERB
fsr-3778	241	49	not	not	PART
fsr-3778	241	50	only	only	ADV
fsr-3778	241	51	the	the	DET
fsr-3778	241	52	“	"	PUNCT
fsr-3778	241	53	good	good	ADJ
fsr-3778	241	54	’	'	PUNCT
fsr-3778	241	55	and	and	CCONJ
fsr-3778	241	56	“	"	PUNCT
fsr-3778	241	57	bad	bad	ADJ
fsr-3778	241	58	”	"	PUNCT
fsr-3778	241	59	accounts	account	NOUN
fsr-3778	241	60	but	but	CCONJ
fsr-3778	241	61	also	also	ADV
fsr-3778	241	62	to	to	PART
fsr-3778	241	63	more	more	ADV
fsr-3778	241	64	accurately	accurately	ADV
fsr-3778	241	65	identify	identify	VERB
fsr-3778	241	66	the	the	DET
fsr-3778	241	67	“	"	PUNCT
fsr-3778	241	68	optimal	optimal	ADJ
fsr-3778	241	69	crossover	crossover	NOUN
fsr-3778	241	70	point	point	NOUN
fsr-3778	241	71	,	,	PUNCT
fsr-3778	241	72	”	"	PUNCT
fsr-3778	241	73	or	or	CCONJ
fsr-3778	241	74	the	the	DET
fsr-3778	241	75	point	point	NOUN
fsr-3778	241	76	at	at	ADP
fsr-3778	241	77	which	which	PRON
fsr-3778	241	78	costs	cost	NOUN
fsr-3778	241	79	and	and	CCONJ
fsr-3778	241	80	losses	loss	NOUN
fsr-3778	241	81	associated	associate	VERB
fsr-3778	241	82	with	with	ADP
fsr-3778	241	83	bad	bad	ADJ
fsr-3778	241	84	accounts	account	NOUN
fsr-3778	241	85	will	will	AUX
fsr-3778	241	86	exceed	exceed	VERB
fsr-3778	241	87	profits	profit	NOUN
fsr-3778	241	88	from	from	ADP
fsr-3778	241	89	additional	additional	ADJ
fsr-3778	241	90	“	"	PUNCT
fsr-3778	241	91	good	good	ADJ
fsr-3778	241	92	”	"	PUNCT
fsr-3778	241	93	accounts	account	NOUN
fsr-3778	241	94	(	(	PUNCT
fsr-3778	241	95	mccorkell	mccorkell	NOUN
fsr-3778	241	96	,	,	PUNCT
fsr-3778	241	97	1994	1994	NUM
fsr-3778	241	98	)	)	PUNCT
fsr-3778	241	99	.	.	PUNCT
fsr-3778	242	1	in	in	ADP
fsr-3778	242	2	this	this	DET
fsr-3778	242	3	environment	environment	NOUN
fsr-3778	242	4	,	,	PUNCT
fsr-3778	242	5	creditors	creditor	NOUN
fsr-3778	242	6	can	can	AUX
fsr-3778	242	7	employ	employ	VERB
fsr-3778	242	8	“	"	PUNCT
fsr-3778	242	9	lifetime	lifetime	NOUN
fsr-3778	242	10	value	value	NOUN
fsr-3778	242	11	analysis	analysis	NOUN
fsr-3778	242	12	”	"	PUNCT
fsr-3778	242	13	(	(	PUNCT
fsr-3778	242	14	irvin	irvin	PROPN
fsr-3778	242	15	,	,	PUNCT
fsr-3778	242	16	1994	1994	NUM
fsr-3778	242	17	)	)	PUNCT
fsr-3778	242	18	or	or	CCONJ
fsr-3778	242	19	“	"	PUNCT
fsr-3778	242	20	adaptive	adaptive	ADJ
fsr-3778	242	21	control	control	NOUN
fsr-3778	242	22	models	model	NOUN
fsr-3778	242	23	”	"	PUNCT
fsr-3778	242	24	(	(	PUNCT
fsr-3778	242	25	marshall	marshall	PROPN
fsr-3778	242	26	,	,	PUNCT
fsr-3778	242	27	1992	1992	NUM
fsr-3778	242	28	)	)	PUNCT
fsr-3778	242	29	to	to	PART
fsr-3778	242	30	facilitate	facilitate	VERB
fsr-3778	242	31	customer	customer	NOUN
fsr-3778	242	32	management	management	NOUN
fsr-3778	242	33	and	and	CCONJ
fsr-3778	242	34	analysis	analysis	NOUN
fsr-3778	242	35	as	as	SCONJ
fsr-3778	242	36	opposed	oppose	VERB
fsr-3778	242	37	to	to	PART
fsr-3778	242	38	account	account	NOUN
fsr-3778	242	39	management	management	NOUN
fsr-3778	242	40	and	and	CCONJ
fsr-3778	242	41	analysis	analysis	NOUN
fsr-3778	242	42	.	.	PUNCT
fsr-3778	243	1	these	these	DET
fsr-3778	243	2	tools	tool	NOUN
fsr-3778	243	3	enable	enable	VERB
fsr-3778	243	4	managers	manager	NOUN
fsr-3778	243	5	to	to	PART
fsr-3778	243	6	achieve	achieve	VERB
fsr-3778	243	7	optimal	optimal	ADJ
fsr-3778	243	8	profitability	profitability	NOUN
fsr-3778	243	9	while	while	SCONJ
fsr-3778	243	10	reducing	reduce	VERB
fsr-3778	243	11	chargeoff	chargeoff	NOUN
fsr-3778	243	12	rates	rate	NOUN
fsr-3778	243	13	,	,	PUNCT
fsr-3778	243	14	collection	collection	NOUN
fsr-3778	243	15	costs	cost	NOUN
fsr-3778	243	16	,	,	PUNCT
fsr-3778	243	17	and	and	CCONJ
fsr-3778	243	18	the	the	DET
fsr-3778	243	19	high	high	ADJ
fsr-3778	243	20	costs	cost	NOUN
fsr-3778	243	21	of	of	ADP
fsr-3778	243	22	attracting	attract	VERB
fsr-3778	243	23	new	new	ADJ
fsr-3778	243	24	accounts	account	NOUN
fsr-3778	243	25	in	in	ADP
fsr-3778	243	26	an	an	DET
fsr-3778	243	27	increasingly	increasingly	ADV
fsr-3778	243	28	competitive	competitive	ADJ
fsr-3778	243	29	marketplace	marketplace	NOUN
fsr-3778	243	30	.	.	PUNCT
fsr-3778	244	1	in	in	ADP
fsr-3778	244	2	other	other	ADJ
fsr-3778	244	3	words	word	NOUN
fsr-3778	244	4	,	,	PUNCT
fsr-3778	244	5	creditors	creditor	NOUN
fsr-3778	244	6	can	can	AUX
fsr-3778	244	7	optimize	optimize	VERB
fsr-3778	244	8	the	the	DET
fsr-3778	244	9	mix	mix	NOUN
fsr-3778	244	10	of	of	ADP
fsr-3778	244	11	consumer	consumer	NOUN
fsr-3778	244	12	types	type	NOUN
fsr-3778	244	13	with	with	ADP
fsr-3778	244	14	unique	unique	ADJ
fsr-3778	244	15	use	use	NOUN
fsr-3778	244	16	and	and	CCONJ
fsr-3778	244	17	repayment	repayment	NOUN
fsr-3778	244	18	strategies	strategy	NOUN
fsr-3778	244	19	to	to	PART
fsr-3778	244	20	maximize	maximize	VERB
fsr-3778	244	21	revenues	revenue	NOUN
fsr-3778	244	22	generated	generate	VERB
fsr-3778	244	23	versus	versus	ADP
fsr-3778	244	24	the	the	DET
fsr-3778	244	25	cost	cost	NOUN
fsr-3778	244	26	of	of	ADP
fsr-3778	244	27	obtaining	obtain	VERB
fsr-3778	244	28	and	and	CCONJ
fsr-3778	244	29	maintaining	maintain	VERB
fsr-3778	244	30	accounts	account	NOUN
fsr-3778	244	31	.	.	PUNCT
fsr-3778	245	1	table	table	NOUN
fsr-3778	245	2	1	1	NUM
fsr-3778	245	3	selected	select	VERB
fsr-3778	245	4	consumer	consumer	NOUN
fsr-3778	245	5	characteristics	characteristic	NOUN
fsr-3778	245	6	considered	consider	VERB
fsr-3778	245	7	in	in	ADP
fsr-3778	245	8	credit	credit	NOUN
fsr-3778	245	9	scoring	scoring	NOUN
fsr-3778	245	10	family	family	NOUN
fsr-3778	245	11	status	status	NOUN
fsr-3778	245	12	~	~	PUNCT
fsr-3778	245	13	i	i	PRON
fsr-3778	245	14	~	~	SYM
fsr-3778	245	15	g	g	PROPN
fsr-3778	245	16	a~~~~~n~	a~~~~~n~	PROPN
fsr-3778	245	17	marital	marital	ADJ
fsr-3778	245	18	status	status	NOUN
fsr-3778	245	19	own	own	ADJ
fsr-3778	245	20	/	/	SYM
fsr-3778	245	21	rent	rent	NOUN
fsr-3778	245	22	dwelling	dwelling	ADJ
fsr-3778	245	23	postal	postal	PROPN
fsr-3778	245	24	code	code	PROPN
fsr-3778	245	25	telephone	telephone	NOUN
fsr-3778	245	26	length	length	NOUN
fsr-3778	245	27	of	of	ADP
fsr-3778	245	28	time	time	NOUN
fsr-3778	245	29	at	at	ADP
fsr-3778	245	30	current	current	ADJ
fsr-3778	245	31	residence	residence	NOUN
fsr-3778	245	32	number	number	NOUN
fsr-3778	245	33	of	of	ADP
fsr-3778	245	34	dependents	dependent	NOUN
fsr-3778	245	35	age	age	NOUN
fsr-3778	245	36	of	of	ADP
fsr-3778	245	37	automobiles	automobile	NOUN
fsr-3778	245	38	)	)	PUNCT
fsr-3778	245	39	automobile	automobile	NOUN
fsr-3778	245	40	balance(s	balance(s	NOUN
fsr-3778	245	41	)	)	PUNCT
fsr-3778	245	42	co	co	NOUN
fsr-3778	245	43	-	-	ADJ
fsr-3778	245	44	applicant	applicant	ADJ
fsr-3778	245	45	information	information	NOUN
fsr-3778	245	46	.	.	PUNCT
fsr-3778	246	1	if	if	SCONJ
fsr-3778	246	2	any	any	DET
fsr-3778	246	3	employment	employment	NOUN
fsr-3778	246	4	occupation	occupation	NOUN
fsr-3778	246	5	employment	employment	NOUN
fsr-3778	246	6	status	status	NOUN
fsr-3778	246	7	length	length	NOUN
fsr-3778	246	8	of	of	ADP
fsr-3778	246	9	time	time	NOUN
fsr-3778	246	10	with	with	ADP
fsr-3778	246	11	employer	employer	NOUN
fsr-3778	246	12	education	education	NOUN
fsr-3778	246	13	personal	personal	ADJ
fsr-3778	246	14	information	information	NOUN
fsr-3778	246	15	age	age	NOUN
fsr-3778	246	16	gender	gender	NOUN
fsr-3778	246	17	geodemographic	geodemographic	ADJ
fsr-3778	246	18	information	information	NOUN
fsr-3778	246	19	financial	financial	ADJ
fsr-3778	246	20	history	history	NOUN
fsr-3778	246	21	(	(	PUNCT
fsr-3778	246	22	may	may	AUX
fsr-3778	246	23	duplicate	duplicate	VERB
fsr-3778	246	24	some	some	DET
fsr-3778	246	25	credit	credit	NOUN
fsr-3778	246	26	bureau	bureau	NOUN
fsr-3778	246	27	irlfbrmarion	irlfbrmarion	NOUN
fsr-3778	246	28	)	)	PUNCT
fsr-3778	246	29	income	income	NOUN
fsr-3778	246	30	debt	debt	NOUN
fsr-3778	246	31	ratios	ratio	NOUN
fsr-3778	246	32	ratio	ratio	NOUN
fsr-3778	246	33	of	of	ADP
fsr-3778	246	34	regular	regular	ADJ
fsr-3778	246	35	expenditures	expenditure	NOUN
fsr-3778	246	36	to	to	PART
fsr-3778	246	37	income	income	VERB
fsr-3778	246	38	monthly	monthly	ADJ
fsr-3778	246	39	income	income	NOUN
fsr-3778	246	40	less	less	ADV
fsr-3778	246	41	committed	committed	ADJ
fsr-3778	246	42	payments	payment	NOUN
fsr-3778	246	43	total	total	VERB
fsr-3778	246	44	monthly	monthly	ADJ
fsr-3778	246	45	credit	credit	NOUN
fsr-3778	246	46	payment	payment	NOUN
fsr-3778	246	47	expenses	expense	NOUN
fsr-3778	246	48	credit	credit	NOUN
fsr-3778	246	49	references	reference	NOUN
fsr-3778	246	50	(	(	PUNCT
fsr-3778	246	51	account	account	NOUN
fsr-3778	246	52	types	type	NOUN
fsr-3778	246	53	:	:	PUNCT
fsr-3778	246	54	bankcard	bankcard	NOUN
fsr-3778	246	55	,	,	PUNCT
fsr-3778	246	56	fmance	fmance	NOUN
fsr-3778	246	57	company	company	NOUN
fsr-3778	246	58	,	,	PUNCT
fsr-3778	246	59	etc	etc	X
fsr-3778	246	60	.	.	X
fsr-3778	246	61	)	)	PUNCT
fsr-3778	247	1	bank	bank	NOUN
fsr-3778	247	2	references	reference	NOUN
fsr-3778	247	3	(	(	PUNCT
fsr-3778	247	4	account	account	NOUN
fsr-3778	247	5	types	type	NOUN
fsr-3778	247	6	:	:	PUNCT
fsr-3778	247	7	checking	check	VERB
fsr-3778	247	8	,	,	PUNCT
fsr-3778	247	9	saving	saving	NOUN
fsr-3778	247	10	,	,	PUNCT
fsr-3778	247	11	both	both	PRON
fsr-3778	247	12	,	,	PUNCT
fsr-3778	247	13	etc	etc	X
fsr-3778	247	14	.	.	X
fsr-3778	247	15	)	)	PUNCT
fsr-3778	248	1	largest	large	ADJ
fsr-3778	248	2	previous	previous	ADJ
fsr-3778	248	3	amount	amount	NOUN
fsr-3778	248	4	of	of	ADP
fsr-3778	248	5	debt	debt	NOUN
fsr-3778	248	6	other	other	ADJ
fsr-3778	248	7	loan	loan	NOUN
fsr-3778	248	8	~~~ent	~~~ent	NOUN
fsr-3778	248	9	~	~	NOUN
fsr-3778	248	10	level	level	NOUN
fsr-3778	248	11	of	of	ADP
fsr-3778	248	12	indebtedness	indebtedness	NOUN
fsr-3778	248	13	amount	amount	NOUN
fsr-3778	248	14	of	of	ADP
fsr-3778	248	15	loan	loan	NOUN
fsr-3778	248	16	purpose	purpose	NOUN
fsr-3778	248	17	of	of	ADP
fsr-3778	248	18	loan	loan	NOUN
fsr-3778	248	19	number	number	NOUN
fsr-3778	248	20	of	of	ADP
fsr-3778	248	21	monthly	monthly	ADJ
fsr-3778	248	22	payments	payment	NOUN
fsr-3778	248	23	delinquency	delinquency	NOUN
fsr-3778	248	24	during	during	ADP
fsr-3778	248	25	performance	performance	NOUN
fsr-3778	248	26	period	period	NOUN
fsr-3778	248	27	reviewed	review	VERB
fsr-3778	248	28	account	account	NOUN
fsr-3778	248	29	activity	activity	NOUN
fsr-3778	248	30	during	during	ADP
fsr-3778	248	31	performance	performance	NOUN
fsr-3778	248	32	period	period	NOUN
fsr-3778	248	33	reviewed	review	VERB
fsr-3778	248	34	account	account	NOUN
fsr-3778	248	35	balance	balance	NOUN
fsr-3778	248	36	during	during	ADP
fsr-3778	248	37	performance	performance	NOUN
fsr-3778	248	38	period	period	NOUN
fsr-3778	248	39	reviewed	review	VERB
fsr-3778	248	40	amount	amount	NOUN
fsr-3778	248	41	past	past	ADJ
fsr-3778	248	42	due	due	ADJ
fsr-3778	248	43	on	on	ADP
fsr-3778	248	44	account	account	NOUN
fsr-3778	248	45	returned	return	VERB
fsr-3778	248	46	checks	check	NOUN
fsr-3778	248	47	on	on	ADP
fsr-3778	248	48	account	account	NOUN
fsr-3778	248	49	age	age	NOUN
fsr-3778	248	50	of	of	ADP
fsr-3778	248	51	account(s	account(s	PROPN
fsr-3778	248	52	)	)	PUNCT
fsr-3778	248	53	credit	credit	NOUN
fsr-3778	248	54	bureau	bureau	NOUN
fsr-3778	248	55	information	information	NOUN
fsr-3778	248	56	(	(	PUNCT
fsr-3778	248	57	my	my	PRON
fsr-3778	248	58	duplicate	duplicate	ADJ
fsr-3778	248	59	somefirtancial	somefirtancial	ADJ
fsr-3778	248	60	history	history	NOUN
fsr-3778	248	61	)	)	PUNCT
fsr-3778	248	62	credit	credit	NOUN
fsr-3778	248	63	payment	payment	NOUN
fsr-3778	248	64	experience	experience	NOUN
fsr-3778	248	65	past	past	ADP
fsr-3778	248	66	due	due	ADJ
fsr-3778	248	67	balance(s	balance(s	NOUN
fsr-3778	248	68	)	)	PUNCT
fsr-3778	248	69	derogatory	derogatory	ADJ
fsr-3778	248	70	information	information	NOUN
fsr-3778	248	71	per	per	ADP
fsr-3778	248	72	tradeline	tradeline	NOUN
fsr-3778	248	73	derogatory	derogatory	ADJ
fsr-3778	248	74	information	information	NOUN
fsr-3778	248	75	from	from	ADP
fsr-3778	248	76	public	public	ADJ
fsr-3778	248	77	records	record	NOUN
fsr-3778	248	78	number	number	NOUN
fsr-3778	248	79	of	of	ADP
fsr-3778	248	80	tradelines	tradeline	NOUN
fsr-3778	248	81	type(s	type(s	PROPN
fsr-3778	248	82	)	)	PUNCT
fsr-3778	248	83	of	of	ADP
fsr-3778	248	84	tradelines	tradeline	NOUN
fsr-3778	248	85	age	age	NOUN
fsr-3778	248	86	of	of	ADP
fsr-3778	248	87	the	the	DET
fsr-3778	248	88	oldest	oldest	ADV
fsr-3778	248	89	/	/	SYM
fsr-3778	248	90	newest	new	ADJ
fsr-3778	248	91	tradeline	tradeline	NOUN
fsr-3778	248	92	inquiries	inquiry	NOUN
fsr-3778	248	93	creditor	creditor	NOUN
fsr-3778	248	94	info	info	NOUN
fsr-3778	248	95	~	~	PUNCT
fsr-3778	248	96	ation	ation	NOUN
fsr-3778	248	97	needs	need	VERB
fsr-3778	248	98	to	to	PART
fsr-3778	248	99	support	support	VERB
fsr-3778	248	100	this	this	DET
fsr-3778	248	101	sophisticate	sophisticate	ADJ
fsr-3778	248	102	and	and	CCONJ
fsr-3778	248	103	indepth	indepth	ADJ
fsr-3778	248	104	analysis	analysis	NOUN
fsr-3778	248	105	of	of	ADP
fsr-3778	248	106	con	con	PROPN
fsr-3778	248	107	sumers	sumer	NOUN
fsr-3778	248	108	is	be	AUX
fsr-3778	248	109	based	base	VERB
fsr-3778	248	110	on	on	ADP
fsr-3778	248	111	the	the	DET
fsr-3778	248	112	historical	historical	ADJ
fsr-3778	248	113	five	five	NUM
fsr-3778	248	114	cs	c	NOUN
fsr-3778	248	115	of	of	ADP
fsr-3778	248	116	credit	credit	NOUN
fsr-3778	248	117	evaluation	evaluation	NOUN
fsr-3778	248	118	--	--	PUNCT
fsr-3778	248	119	character	character	NOUN
fsr-3778	248	120	,	,	PUNCT
fsr-3778	248	121	capacity	capacity	NOUN
fsr-3778	248	122	,	,	PUNCT
fsr-3778	248	123	capital	capital	NOUN
fsr-3778	248	124	,	,	PUNCT
fsr-3778	248	125	conditions	condition	NOUN
fsr-3778	248	126	,	,	PUNCT
fsr-3778	248	127	and	and	CCONJ
fsr-3778	248	128	collateral	collateral	NOUN
fsr-3778	248	129	.	.	PUNCT
fsr-3778	249	1	but	but	CCONJ
fsr-3778	249	2	the	the	DET
fsr-3778	249	3	sophisticated	sophisticated	ADJ
fsr-3778	249	4	systems	system	NOUN
fsr-3778	249	5	exceed	exceed	VERB
fsr-3778	249	6	what	what	PRON
fsr-3778	249	7	was	be	AUX
fsr-3778	249	8	historically	historically	ADV
fsr-3778	249	9	a	a	DET
fsr-3778	249	10	creditor	creditor	NOUN
fsr-3778	249	11	’s	’s	PART
fsr-3778	249	12	personal	personal	ADJ
fsr-3778	249	13	knowledge	knowledge	NOUN
fsr-3778	249	14	of	of	ADP
fsr-3778	249	15	the	the	DET
fsr-3778	249	16	debtor	debtor	NOUN
fsr-3778	249	17	’s	’s	PART
fsr-3778	249	18	situation	situation	NOUN
fsr-3778	249	19	to	to	ADP
fsr-3778	249	20	a	a	DET
fsr-3778	249	21	study	study	NOUN
fsr-3778	249	22	of	of	ADP
fsr-3778	249	23	over	over	ADP
fsr-3778	249	24	100,000	100,000	NUM
fsr-3778	249	25	consumers	consumer	NOUN
fsr-3778	249	26	148	148	NUM
fsr-3778	249	27	financial	financial	ADJ
fsr-3778	249	28	services	service	NOUN
fsr-3778	249	29	review	review	NOUN
fsr-3778	249	30	4(2	4(2	NUM
fsr-3778	249	31	)	)	PUNCT
fsr-3778	249	32	1995	1995	NUM
fsr-3778	249	33	randomly	randomly	ADV
fsr-3778	249	34	selected	select	VERB
fsr-3778	249	35	from	from	ADP
fsr-3778	249	36	a	a	DET
fsr-3778	249	37	national	national	ADJ
fsr-3778	249	38	sample	sample	NOUN
fsr-3778	249	39	for	for	ADP
fsr-3778	249	40	initial	initial	ADJ
fsr-3778	249	41	analysis	analysis	NOUN
fsr-3778	249	42	of	of	ADP
fsr-3778	249	43	over	over	ADP
fsr-3778	249	44	350	350	NUM
fsr-3778	249	45	sets	set	NOUN
fsr-3778	249	46	of	of	ADP
fsr-3778	249	47	charac	charac	ADJ
fsr-3778	249	48	teristics	teristic	NOUN
fsr-3778	249	49	(	(	PUNCT
fsr-3778	249	50	gothe	gothe	NOUN
fsr-3778	249	51	,	,	PUNCT
fsr-3778	249	52	1990	1990	NUM
fsr-3778	249	53	)	)	PUNCT
fsr-3778	249	54	or	or	CCONJ
fsr-3778	249	55	a	a	DET
fsr-3778	249	56	behavior	behavior	NOUN
fsr-3778	249	57	scoring	scoring	NOUN
fsr-3778	249	58	model	model	NOUN
fsr-3778	249	59	built	build	VERB
fsr-3778	249	60	on	on	ADP
fsr-3778	249	61	up	up	ADP
fsr-3778	249	62	to	to	PART
fsr-3778	249	63	200	200	NUM
fsr-3778	249	64	variables	variable	NOUN
fsr-3778	249	65	(	(	PUNCT
fsr-3778	249	66	robins	robin	NOUN
fsr-3778	249	67	,	,	PUNCT
fsr-3778	249	68	1993	1993	NUM
fsr-3778	249	69	)	)	PUNCT
fsr-3778	249	70	.	.	PUNCT
fsr-3778	250	1	in	in	ADP
fsr-3778	250	2	a	a	DET
fsr-3778	250	3	review	review	NOUN
fsr-3778	250	4	of	of	ADP
fsr-3778	250	5	characteristics	characteristic	NOUN
fsr-3778	250	6	consistently	consistently	ADV
fsr-3778	250	7	considered	consider	VERB
fsr-3778	250	8	in	in	ADP
fsr-3778	250	9	credit	credit	NOUN
fsr-3778	250	10	scoring	scoring	NOUN
fsr-3778	250	11	schemes	scheme	NOUN
fsr-3778	250	12	interna	interna	PROPN
fsr-3778	250	13	tionally	tionally	ADV
fsr-3778	250	14	,	,	PUNCT
fsr-3778	250	15	friedland	friedland	PROPN
fsr-3778	250	16	(	(	PUNCT
fsr-3778	250	17	1993	1993	NUM
fsr-3778	250	18	)	)	PUNCT
fsr-3778	250	19	suggested	suggest	VERB
fsr-3778	250	20	a	a	DET
fsr-3778	250	21	framework	framework	NOUN
fsr-3778	250	22	comprised	comprise	VERB
fsr-3778	250	23	of	of	ADP
fsr-3778	250	24	five	five	NUM
fsr-3778	250	25	categories	category	NOUN
fsr-3778	250	26	of	of	ADP
fsr-3778	250	27	predictors	predictor	NOUN
fsr-3778	250	28	:	:	PUNCT
fsr-3778	250	29	family	family	NOUN
fsr-3778	250	30	status	status	NOUN
fsr-3778	250	31	~	~	PUNCT
fsr-3778	250	32	iving	ive	VERB
fsr-3778	250	33	a~~gements	a~~gement	NOUN
fsr-3778	250	34	,	,	PUNCT
fsr-3778	250	35	employment	employment	NOUN
fsr-3778	250	36	,	,	PUNCT
fsr-3778	250	37	personal	personal	ADJ
fsr-3778	250	38	info	info	NOUN
fsr-3778	250	39	~	~	SYM
fsr-3778	250	40	ation	ation	NOUN
fsr-3778	250	41	,	,	PUNCT
fsr-3778	250	42	financial	financial	ADJ
fsr-3778	250	43	history	history	NOUN
fsr-3778	250	44	,	,	PUNCT
fsr-3778	250	45	and	and	CCONJ
fsr-3778	250	46	credit	credit	NOUN
fsr-3778	250	47	bureau	bureau	NOUN
fsr-3778	250	48	info	info	NOUN
fsr-3778	250	49	~	~	PUNCT
fsr-3778	250	50	ation	ation	PROPN
fsr-3778	250	51	.	.	PUNCT
fsr-3778	251	1	this	this	DET
fsr-3778	251	2	framework	framework	NOUN
fsr-3778	251	3	was	be	AUX
fsr-3778	251	4	used	use	VERB
fsr-3778	251	5	,	,	PUNCT
fsr-3778	251	6	as	as	SCONJ
fsr-3778	251	7	shown	show	VERB
fsr-3778	251	8	in	in	ADP
fsr-3778	251	9	table	table	NOUN
fsr-3778	251	10	1	1	NUM
fsr-3778	251	11	,	,	PUNCT
fsr-3778	251	12	to	to	ADP
fsr-3778	251	13	group	group	NOUN
fsr-3778	251	14	common	common	ADJ
fsr-3778	251	15	predictor	predictor	NOUN
fsr-3778	251	16	characteristics	characteristic	NOUN
fsr-3778	251	17	included	include	VERB
fsr-3778	251	18	in	in	ADP
fsr-3778	251	19	u.s	u.s	PROPN
fsr-3778	251	20	.	.	PROPN
fsr-3778	251	21	credit	credit	NOUN
fsr-3778	251	22	and	and	CCONJ
fsr-3778	251	23	behavioral	behavioral	ADJ
fsr-3778	251	24	scoring	scoring	NOUN
fsr-3778	251	25	schemes	scheme	NOUN
fsr-3778	251	26	(	(	PUNCT
fsr-3778	251	27	apilado	apilado	PROPN
fsr-3778	251	28	,	,	PUNCT
fsr-3778	251	29	warner	warner	PROPN
fsr-3778	251	30	,	,	PUNCT
fsr-3778	251	31	&	&	CCONJ
fsr-3778	251	32	dauten	dauten	PROPN
fsr-3778	251	33	,	,	PUNCT
fsr-3778	251	34	1974	1974	NUM
fsr-3778	251	35	;	;	PUNCT
fsr-3778	251	36	boyes	boyes	PROPN
fsr-3778	251	37	,	,	PUNCT
fsr-3778	251	38	hoffman	hoffman	NOUN
fsr-3778	251	39	,	,	PUNCT
fsr-3778	251	40	&	&	CCONJ
fsr-3778	251	41	low	low	ADJ
fsr-3778	251	42	,	,	PUNCT
fsr-3778	251	43	1989	1989	NUM
fsr-3778	251	44	;	;	PUNCT
fsr-3778	251	45	gothe	gothe	NOUN
fsr-3778	251	46	,	,	PUNCT
fsr-3778	251	47	1990	1990	NUM
fsr-3778	251	48	;	;	PUNCT
fsr-3778	251	49	jenson	jenson	PROPN
fsr-3778	251	50	,	,	PUNCT
fsr-3778	251	51	1992	1992	NUM
fsr-3778	251	52	;	;	PUNCT
fsr-3778	252	1	long	long	PROPN
fsr-3778	252	2	&	&	CCONJ
fsr-3778	252	3	mcconnell	mcconnell	PROPN
fsr-3778	252	4	,	,	PUNCT
fsr-3778	252	5	1977	1977	NUM
fsr-3778	252	6	;	;	PUNCT
fsr-3778	252	7	lyons	lyon	NOUN
fsr-3778	252	8	,	,	PUNCT
fsr-3778	252	9	1993	1993	NUM
fsr-3778	252	10	;	;	PUNCT
fsr-3778	252	11	makowski	makowski	PROPN
fsr-3778	252	12	,	,	PUNCT
fsr-3778	252	13	1985	1985	NUM
fsr-3778	252	14	;	;	PUNCT
fsr-3778	252	15	overstreet	overstreet	PROPN
fsr-3778	252	16	&	&	CCONJ
fsr-3778	252	17	kemp	kemp	PROPN
fsr-3778	252	18	,	,	PUNCT
fsr-3778	252	19	1986	1986	NUM
fsr-3778	252	20	;	;	PUNCT
fsr-3778	252	21	robins	robin	NOUN
fsr-3778	252	22	,	,	PUNCT
fsr-3778	252	23	1993	1993	NUM
fsr-3778	252	24	;	;	PUNCT
fsr-3778	252	25	rosenberg	rosenberg	PROPN
fsr-3778	252	26	&	&	CCONJ
fsr-3778	252	27	gleit	gleit	PROPN
fsr-3778	252	28	,	,	PUNCT
fsr-3778	252	29	1994	1994	NUM
fsr-3778	252	30	)	)	PUNCT
fsr-3778	252	31	.	.	PUNCT
fsr-3778	253	1	a	a	DET
fsr-3778	253	2	detailed	detailed	ADJ
fsr-3778	253	3	tisting	tisting	NOUN
fsr-3778	253	4	of	of	ADP
fsr-3778	253	5	the	the	DET
fsr-3778	253	6	predictors	predictor	NOUN
fsr-3778	253	7	and	and	CCONJ
fsr-3778	253	8	weightings	weighting	NOUN
fsr-3778	253	9	incorporated	incorporate	VERB
fsr-3778	253	10	into	into	ADP
fsr-3778	253	11	a	a	DET
fsr-3778	253	12	credit	credit	NOUN
fsr-3778	253	13	scoring	scoring	NOUN
fsr-3778	253	14	system	system	NOUN
fsr-3778	253	15	is	be	AUX
fsr-3778	253	16	proprietary	proprietary	ADJ
fsr-3778	253	17	information	information	NOUN
fsr-3778	253	18	,	,	PUNCT
fsr-3778	253	19	and	and	CCONJ
fsr-3778	253	20	likely	likely	ADV
fsr-3778	253	21	specific	specific	ADJ
fsr-3778	253	22	to	to	ADP
fsr-3778	253	23	the	the	DET
fsr-3778	253	24	individual	individual	ADJ
fsr-3778	253	25	industry	industry	NOUN
fsr-3778	253	26	and	and	CCONJ
fsr-3778	253	27	geo	geo	PROPN
fsr-3778	253	28	graphic	graphic	PROPN
fsr-3778	253	29	region	region	NOUN
fsr-3778	253	30	.	.	PUNCT
fsr-3778	254	1	however	however	ADV
fsr-3778	254	2	,	,	PUNCT
fsr-3778	254	3	a	a	DET
fsr-3778	254	4	review	review	NOUN
fsr-3778	254	5	of	of	ADP
fsr-3778	254	6	table	table	NOUN
fsr-3778	254	7	1	1	NUM
fsr-3778	254	8	suggests	suggest	VERB
fsr-3778	254	9	that	that	SCONJ
fsr-3778	254	10	decisions	decision	NOUN
fsr-3778	254	11	are	be	AUX
fsr-3778	254	12	limited	limit	VERB
fsr-3778	254	13	to	to	ADP
fsr-3778	254	14	quantifiable	quantifiable	ADJ
fsr-3778	254	15	data	datum	NOUN
fsr-3778	254	16	available	available	ADJ
fsr-3778	254	17	through	through	ADP
fsr-3778	254	18	the	the	DET
fsr-3778	254	19	application	application	NOUN
fsr-3778	254	20	data	datum	NOUN
fsr-3778	254	21	,	,	PUNCT
fsr-3778	254	22	internal	internal	ADJ
fsr-3778	254	23	auditing	auditing	NOUN
fsr-3778	254	24	of	of	ADP
fsr-3778	254	25	account	account	NOUN
fsr-3778	254	26	records	record	NOUN
fsr-3778	254	27	,	,	PUNCT
fsr-3778	254	28	or	or	CCONJ
fsr-3778	254	29	credit	credit	NOUN
fsr-3778	254	30	bureau	bureau	NOUN
fsr-3778	254	31	files	file	NOUN
fsr-3778	254	32	.	.	PUNCT
fsr-3778	255	1	financial	financial	ADJ
fsr-3778	255	2	ratios	ratio	NOUN
fsr-3778	255	3	representing	represent	VERB
fsr-3778	255	4	debt	debt	NOUN
fsr-3778	255	5	and	and	CCONJ
fsr-3778	255	6	expenditure	expenditure	NOUN
fsr-3778	255	7	relationships	relationship	NOUN
fsr-3778	255	8	have	have	AUX
fsr-3778	255	9	been	be	AUX
fsr-3778	255	10	an	an	DET
fsr-3778	255	11	acknowledged	acknowledge	VERB
fsr-3778	255	12	part	part	NOUN
fsr-3778	255	13	of	of	ADP
fsr-3778	255	14	the	the	DET
fsr-3778	255	15	review	review	NOUN
fsr-3778	255	16	process	process	NOUN
fsr-3778	255	17	for	for	ADP
fsr-3778	255	18	consumer	consumer	NOUN
fsr-3778	255	19	and	and	CCONJ
fsr-3778	255	20	mortgage	mortgage	NOUN
fsr-3778	255	21	lending	lending	NOUN
fsr-3778	255	22	.	.	PUNCT
fsr-3778	256	1	the	the	DET
fsr-3778	256	2	mortgage	mortgage	NOUN
fsr-3778	256	3	industry	industry	NOUN
fsr-3778	256	4	relies	rely	VERB
fsr-3778	256	5	heavily	heavily	ADV
fsr-3778	256	6	on	on	ADP
fsr-3778	256	7	the	the	DET
fsr-3778	256	8	use	use	NOUN
fsr-3778	256	9	of	of	ADP
fsr-3778	256	10	financial	financial	ADJ
fsr-3778	256	11	ratios	ratio	NOUN
fsr-3778	256	12	in	in	ADP
fsr-3778	256	13	the	the	DET
fsr-3778	256	14	approval	approval	NOUN
fsr-3778	256	15	process	process	NOUN
fsr-3778	256	16	and	and	CCONJ
fsr-3778	256	17	has	have	AUX
fsr-3778	256	18	considered	consider	VERB
fsr-3778	256	19	the	the	DET
fsr-3778	256	20	use	use	NOUN
fsr-3778	256	21	of	of	ADP
fsr-3778	256	22	subsequent	subsequent	ADJ
fsr-3778	256	23	ratio	ratio	NOUN
fsr-3778	256	24	analyses	analysis	NOUN
fsr-3778	256	25	of	of	ADP
fsr-3778	256	26	mortgage	mortgage	NOUN
fsr-3778	256	27	holders	holder	NOUN
fsr-3778	256	28	to	to	PART
fsr-3778	256	29	identify	identify	VERB
fsr-3778	256	30	,	,	PUNCT
fsr-3778	256	31	and	and	CCONJ
fsr-3778	256	32	avert	avert	ADJ
fsr-3778	256	33	,	,	PUNCT
fsr-3778	256	34	potential	potential	ADJ
fsr-3778	256	35	payment	payment	NOUN
fsr-3778	256	36	problems	problem	NOUN
fsr-3778	256	37	(	(	PUNCT
fsr-3778	256	38	harney	harney	NOUN
fsr-3778	256	39	,	,	PUNCT
fsr-3778	256	40	1994	1994	NUM
fsr-3778	256	41	)	)	PUNCT
fsr-3778	256	42	.	.	PUNCT
fsr-3778	257	1	research	research	NOUN
fsr-3778	257	2	also	also	ADV
fsr-3778	257	3	suggests	suggest	VERB
fsr-3778	257	4	that	that	SCONJ
fsr-3778	257	5	among	among	ADP
fsr-3778	257	6	a	a	DET
fsr-3778	257	7	sample	sample	NOUN
fsr-3778	257	8	of	of	ADP
fsr-3778	257	9	financially	financially	ADV
fsr-3778	257	10	distressed	distressed	ADJ
fsr-3778	257	11	homeowners	homeowner	NOUN
fsr-3778	257	12	,	,	PUNCT
fsr-3778	257	13	most	most	ADJ
fsr-3778	257	14	could	could	AUX
fsr-3778	257	15	not	not	PART
fsr-3778	257	16	subsequently	subsequently	ADV
fsr-3778	257	17	meet	meet	VERB
fsr-3778	257	18	the	the	DET
fsr-3778	257	19	qualification	qualification	NOUN
fsr-3778	257	20	ratios	ratio	NOUN
fsr-3778	257	21	established	establish	VERB
fsr-3778	257	22	at	at	ADP
fsr-3778	257	23	the	the	DET
fsr-3778	257	24	time	time	NOUN
fsr-3778	257	25	of	of	ADP
fsr-3778	257	26	purchase	purchase	NOUN
fsr-3778	257	27	(	(	PUNCT
fsr-3778	257	28	lytton	lytton	PROPN
fsr-3778	257	29	&	&	CCONJ
fsr-3778	257	30	parrott	parrott	PROPN
fsr-3778	257	31	,	,	PUNCT
fsr-3778	257	32	1994	1994	NUM
fsr-3778	257	33	;	;	PUNCT
fsr-3778	257	34	o’neill	o’neill	PROPN
fsr-3778	257	35	,	,	PUNCT
fsr-3778	257	36	lytton	lytton	PROPN
fsr-3778	257	37	,	,	PUNCT
fsr-3778	257	38	&	&	CCONJ
fsr-3778	257	39	parrott	parrott	PROPN
fsr-3778	257	40	,	,	PUNCT
fsr-3778	257	41	1995	1995	NUM
fsr-3778	257	42	)	)	PUNCT
fsr-3778	257	43	.	.	PUNCT
fsr-3778	258	1	however	however	ADV
fsr-3778	258	2	,	,	PUNCT
fsr-3778	258	3	as	as	SCONJ
fsr-3778	258	4	described	describe	VERB
fsr-3778	258	5	below	below	ADV
fsr-3778	258	6	,	,	PUNCT
fsr-3778	258	7	it	it	PRON
fsr-3778	258	8	has	have	AUX
fsr-3778	258	9	been	be	AUX
fsr-3778	258	10	only	only	ADV
fsr-3778	258	11	in	in	ADP
fsr-3778	258	12	the	the	DET
fsr-3778	258	13	last	last	ADJ
fsr-3778	258	14	decade	decade	NOUN
fsr-3778	258	15	that	that	SCONJ
fsr-3778	258	16	financial	financial	ADJ
fsr-3778	258	17	educators	educator	NOUN
fsr-3778	258	18	and	and	CCONJ
fsr-3778	258	19	other	other	ADJ
fsr-3778	258	20	financial	financial	ADJ
fsr-3778	258	21	professionals	professional	NOUN
fsr-3778	258	22	have	have	AUX
fsr-3778	258	23	used	use	VERB
fsr-3778	258	24	financial	financial	ADJ
fsr-3778	258	25	ratio	ratio	NOUN
fsr-3778	258	26	calculations	calculation	NOUN
fsr-3778	258	27	when	when	SCONJ
fsr-3778	258	28	assessing	assess	VERB
fsr-3778	258	29	financial	financial	ADJ
fsr-3778	258	30	well	well	NOUN
fsr-3778	258	31	-	-	PUNCT
fsr-3778	258	32	being	being	NOUN
fsr-3778	258	33	.	.	PUNCT
fsr-3778	259	1	b.	b.	PROPN
fsr-3778	259	2	financial	financial	ADJ
fsr-3778	259	3	ratios	ratio	NOUN
fsr-3778	259	4	:	:	PUNCT
fsr-3778	259	5	educating	educate	VERB
fsr-3778	259	6	to	to	PART
fsr-3778	259	7	prevent	prevent	VERB
fsr-3778	259	8	insolvency	insolvency	NOUN
fsr-3778	259	9	financial	financial	ADJ
fsr-3778	259	10	ratios	ratio	NOUN
fsr-3778	259	11	emerged	emerge	VERB
fsr-3778	259	12	in	in	ADP
fsr-3778	259	13	the	the	DET
fsr-3778	259	14	business	business	NOUN
fsr-3778	259	15	wodd	wodd	NOUN
fsr-3778	259	16	in	in	ADP
fsr-3778	259	17	the	the	DET
fsr-3778	259	18	early	early	ADJ
fsr-3778	259	19	part	part	NOUN
fsr-3778	259	20	of	of	ADP
fsr-3778	259	21	the	the	DET
fsr-3778	259	22	20th	20th	ADJ
fsr-3778	259	23	century	century	NOUN
fsr-3778	259	24	but	but	CCONJ
fsr-3778	259	25	their	their	PRON
fsr-3778	259	26	first	first	ADJ
fsr-3778	259	27	formal	formal	ADJ
fsr-3778	259	28	use	use	NOUN
fsr-3778	259	29	occurred	occur	VERB
fsr-3778	259	30	during	during	ADP
fsr-3778	259	31	the	the	DET
fsr-3778	259	32	1920s	1920	NOUN
fsr-3778	259	33	(	(	PUNCT
fsr-3778	259	34	horrigan	horrigan	NOUN
fsr-3778	259	35	,	,	PUNCT
fsr-3778	259	36	1978	1978	NUM
fsr-3778	259	37	)	)	PUNCT
fsr-3778	259	38	.	.	PUNCT
fsr-3778	260	1	the	the	DET
fsr-3778	260	2	first	first	ADJ
fsr-3778	260	3	serious	serious	ADJ
fsr-3778	260	4	empirical	empirical	ADJ
fsr-3778	260	5	tests	test	NOUN
fsr-3778	260	6	of	of	ADP
fsr-3778	260	7	financial	financial	ADJ
fsr-3778	260	8	ratios	ratio	NOUN
fsr-3778	260	9	were	be	AUX
fsr-3778	260	10	conducted	conduct	VERB
fsr-3778	260	11	during	during	ADP
fsr-3778	260	12	the	the	DET
fsr-3778	260	13	1930s	1930s	NUM
fsr-3778	260	14	.	.	PUNCT
fsr-3778	261	1	these	these	DET
fsr-3778	261	2	studies	study	NOUN
fsr-3778	261	3	were	be	AUX
fsr-3778	261	4	overlooked	overlook	VERB
fsr-3778	261	5	for	for	ADP
fsr-3778	261	6	almost	almost	ADV
fsr-3778	261	7	two	two	NUM
fsr-3778	261	8	decades	decade	NOUN
fsr-3778	261	9	.	.	PUNCT
fsr-3778	262	1	during	during	ADP
fsr-3778	262	2	the	the	DET
fsr-3778	262	3	post	post	ADJ
fsr-3778	262	4	-	-	ADJ
fsr-3778	262	5	world	world	ADJ
fsr-3778	262	6	war	war	PROPN
fsr-3778	262	7	ii	ii	PROPN
fsr-3778	262	8	period	period	NOUN
fsr-3778	262	9	,	,	PUNCT
fsr-3778	262	10	financial	financial	ADJ
fsr-3778	262	11	ratios	ratio	NOUN
fsr-3778	262	12	were	be	AUX
fsr-3778	262	13	either	either	ADV
fsr-3778	262	14	severely	severely	ADV
fsr-3778	262	15	criticized	criticize	VERB
fsr-3778	262	16	or	or	CCONJ
fsr-3778	262	17	just	just	ADV
fsr-3778	262	18	plain	plain	ADV
fsr-3778	262	19	ignored	ignore	VERB
fsr-3778	262	20	.	.	PUNCT
fsr-3778	263	1	however	however	ADV
fsr-3778	263	2	,	,	PUNCT
fsr-3778	263	3	by	by	ADP
fsr-3778	263	4	the	the	DET
fsr-3778	263	5	early	early	ADJ
fsr-3778	263	6	196os	196os	NOUN
fsr-3778	263	7	,	,	PUNCT
fsr-3778	263	8	there	there	PRON
fsr-3778	263	9	was	be	VERB
fsr-3778	263	10	a	a	DET
fsr-3778	263	11	renewed	renew	VERB
fsr-3778	263	12	interest	interest	NOUN
fsr-3778	263	13	in	in	ADP
fsr-3778	263	14	financial	financial	ADJ
fsr-3778	263	15	ratios	ratio	NOUN
fsr-3778	263	16	.	.	PUNCT
fsr-3778	264	1	a	a	DET
fsr-3778	264	2	study	study	NOUN
fsr-3778	264	3	using	use	VERB
fsr-3778	264	4	financial	financial	ADJ
fsr-3778	264	5	ratios	ratio	NOUN
fsr-3778	264	6	in	in	ADP
fsr-3778	264	7	the	the	DET
fsr-3778	264	8	1930s	1930	NOUN
fsr-3778	264	9	and	and	CCONJ
fsr-3778	264	10	several	several	ADJ
fsr-3778	264	11	later	later	ADJ
fsr-3778	264	12	studies	study	NOUN
fsr-3778	264	13	were	be	AUX
fsr-3778	264	14	concerned	concern	VERB
fsr-3778	264	15	with	with	ADP
fsr-3778	264	16	business	business	NOUN
fsr-3778	264	17	failure	failure	NOUN
fsr-3778	264	18	(	(	PUNCT
fsr-3778	264	19	altman	altman	NOUN
fsr-3778	264	20	,	,	PUNCT
fsr-3778	264	21	1968	1968	NUM
fsr-3778	264	22	,	,	PUNCT
fsr-3778	264	23	1971	1971	NUM
fsr-3778	264	24	)	)	PUNCT
fsr-3778	264	25	.	.	PUNCT
fsr-3778	265	1	failing	fail	VERB
fsr-3778	265	2	firms	firm	NOUN
fsr-3778	265	3	exhibited	exhibit	VERB
fsr-3778	265	4	significantly	significantly	ADV
fsr-3778	265	5	different	different	ADJ
fsr-3778	265	6	ratio	ratio	NOUN
fsr-3778	265	7	measurements	measurement	NOUN
fsr-3778	265	8	than	than	ADP
fsr-3778	265	9	businesses	business	NOUN
fsr-3778	265	10	which	which	PRON
fsr-3778	265	11	were	be	AUX
fsr-3778	265	12	successful	successful	ADJ
fsr-3778	265	13	,	,	PUNCT
fsr-3778	265	14	and	and	CCONJ
fsr-3778	265	15	one	one	NUM
fsr-3778	265	16	of	of	ADP
fsr-3778	265	17	the	the	DET
fsr-3778	265	18	later	later	ADJ
fsr-3778	265	19	studies	study	NOUN
fsr-3778	265	20	provided	provide	VERB
fsr-3778	265	21	evidence	evidence	NOUN
fsr-3778	265	22	of	of	ADP
fsr-3778	265	23	the	the	DET
fsr-3778	265	24	use	use	NOUN
fsr-3778	265	25	of	of	ADP
fsr-3778	265	26	financial	financial	ADJ
fsr-3778	265	27	ratios	ratio	NOUN
fsr-3778	265	28	for	for	ADP
fsr-3778	265	29	prediction	prediction	NOUN
fsr-3778	265	30	.	.	PUNCT
fsr-3778	266	1	although	although	SCONJ
fsr-3778	266	2	,	,	PUNCT
fsr-3778	266	3	historical	historical	ADJ
fsr-3778	266	4	accounts	account	NOUN
fsr-3778	266	5	specifi	specifi	VERB
fsr-3778	266	6	cally	cally	ADV
fsr-3778	266	7	cite	cite	VERB
fsr-3778	266	8	the	the	DET
fsr-3778	266	9	use	use	NOUN
fsr-3778	266	10	of	of	ADP
fsr-3778	266	11	ratios	ratio	NOUN
fsr-3778	266	12	in	in	ADP
fsr-3778	266	13	predicting	predict	VERB
fsr-3778	266	14	bankruptcy	bankruptcy	NOUN
fsr-3778	266	15	,	,	PUNCT
fsr-3778	266	16	ratios	ratio	NOUN
fsr-3778	266	17	measuring	measure	VERB
fsr-3778	266	18	profitability	profitability	NOUN
fsr-3778	266	19	,	,	PUNCT
fsr-3778	266	20	liquidity	liquidity	NOUN
fsr-3778	266	21	,	,	PUNCT
fsr-3778	266	22	and	and	CCONJ
fsr-3778	266	23	solvency	solvency	NOUN
fsr-3778	266	24	have	have	AUX
fsr-3778	266	25	prevailed	prevail	VERB
fsr-3778	266	26	as	as	ADP
fsr-3778	266	27	significant	significant	ADJ
fsr-3778	266	28	indicators	indicator	NOUN
fsr-3778	266	29	of	of	ADP
fsr-3778	266	30	progress	progress	NOUN
fsr-3778	266	31	over	over	ADP
fsr-3778	266	32	time	time	NOUN
fsr-3778	266	33	and	and	CCONJ
fsr-3778	266	34	as	as	ADP
fsr-3778	266	35	standards	standard	NOUN
fsr-3778	266	36	for	for	ADP
fsr-3778	266	37	comparison	comparison	NOUN
fsr-3778	266	38	of	of	ADP
fsr-3778	266	39	similar	similar	ADJ
fsr-3778	266	40	companies	company	NOUN
fsr-3778	266	41	within	within	ADP
fsr-3778	266	42	an	an	DET
fsr-3778	266	43	industry	industry	NOUN
fsr-3778	266	44	(	(	PUNCT
fsr-3778	266	45	byrne	byrne	ADJ
fsr-3778	266	46	,	,	PUNCT
fsr-3778	266	47	1992	1992	NUM
fsr-3778	266	48	;	;	PUNCT
fsr-3778	266	49	brand	brand	NOUN
fsr-3778	266	50	&	&	CCONJ
fsr-3778	266	51	danos	danos	PROPN
fsr-3778	266	52	,	,	PUNCT
fsr-3778	266	53	&	&	CCONJ
fsr-3778	266	54	brasseaux	brasseaux	PROPN
fsr-3778	266	55	,	,	PUNCT
fsr-3778	266	56	1989	1989	NUM
fsr-3778	266	57	;	;	PUNCT
fsr-3778	266	58	chen	chen	PROPN
fsr-3778	266	59	&	&	CCONJ
fsr-3778	266	60	shimerada	shimerada	PROPN
fsr-3778	266	61	,	,	PUNCT
fsr-3778	266	62	198	198	NUM
fsr-3778	266	63	1	1	NUM
fsr-3778	266	64	;	;	PUNCT
fsr-3778	266	65	ketz	ketz	NOUN
fsr-3778	266	66	,	,	PUNCT
fsr-3778	266	67	doogar	doogar	NOUN
fsr-3778	266	68	,	,	PUNCT
fsr-3778	266	69	&	&	CCONJ
fsr-3778	266	70	jensen	jensen	PROPN
fsr-3778	266	71	,	,	PUNCT
fsr-3778	266	72	1990	1990	NUM
fsr-3778	266	73	;	;	PUNCT
fsr-3778	266	74	lawder	lawder	X
fsr-3778	266	75	,	,	PUNCT
fsr-3778	266	76	1989	1989	NUM
fsr-3778	266	77	;	;	PUNCT
fsr-3778	266	78	pressel	pressel	NOUN
fsr-3778	266	79	,	,	PUNCT
fsr-3778	266	80	1991	1991	NUM
fsr-3778	266	81	)	)	PUNCT
fsr-3778	266	82	.	.	PUNCT
fsr-3778	267	1	the	the	DET
fsr-3778	267	2	primary	primary	ADJ
fsr-3778	267	3	function	function	NOUN
fsr-3778	267	4	of	of	ADP
fsr-3778	267	5	ratios	ratio	NOUN
fsr-3778	267	6	should	should	AUX
fsr-3778	267	7	be	be	AUX
fsr-3778	267	8	to	to	PART
fsr-3778	267	9	act	act	VERB
fsr-3778	267	10	as	as	ADP
fsr-3778	267	11	indicators	indicator	NOUN
fsr-3778	267	12	or	or	CCONJ
fsr-3778	267	13	redflags	redflag	NOUN
fsr-3778	267	14	--	--	PUNCT
fsr-3778	267	15	to	to	PART
fsr-3778	267	16	point	point	VERB
fsr-3778	267	17	to	to	ADP
fsr-3778	267	18	areas	area	NOUN
fsr-3778	267	19	of	of	ADP
fsr-3778	267	20	acceptable	acceptable	ADJ
fsr-3778	267	21	or	or	CCONJ
fsr-3778	267	22	unacceptable	unacceptable	ADJ
fsr-3778	267	23	results	result	NOUN
fsr-3778	267	24	or	or	CCONJ
fsr-3778	267	25	conditions	condition	NOUN
fsr-3778	267	26	.	.	PUNCT
fsr-3778	268	1	the	the	DET
fsr-3778	268	2	key	key	NOUN
fsr-3778	268	3	to	to	PART
fsr-3778	268	4	ratio	ratio	NOUN
fsr-3778	268	5	analysis	analysis	NOUN
fsr-3778	268	6	lies	lie	VERB
fsr-3778	268	7	not	not	PART
fsr-3778	268	8	in	in	ADP
fsr-3778	268	9	the	the	DET
fsr-3778	268	10	values	value	NOUN
fsr-3778	268	11	which	which	PRON
fsr-3778	268	12	are	be	AUX
fsr-3778	268	13	calculated	calculate	VERB
fsr-3778	268	14	but	but	CCONJ
fsr-3778	268	15	in	in	ADP
fsr-3778	268	16	the	the	DET
fsr-3778	268	17	significance	significance	NOUN
fsr-3778	268	18	of	of	ADP
fsr-3778	268	19	the	the	DET
fsr-3778	268	20	relationships	relationship	NOUN
fsr-3778	268	21	being	be	AUX
fsr-3778	268	22	studied	study	VERB
fsr-3778	268	23	.	.	PUNCT
fsr-3778	269	1	household	household	NOUN
fsr-3778	269	2	insolvency	insolvency	NOUN
fsr-3778	269	3	:	:	PUNCT
fsr-3778	269	4	debt	debt	NOUN
fsr-3778	269	5	repayment	repayment	NOUN
fsr-3778	269	6	,	,	PUNCT
fsr-3778	269	7	delinquency	delinquency	NOUN
fsr-3778	269	8	,	,	PUNCT
fsr-3778	269	9	and	and	CCONJ
fsr-3778	269	10	bankruptcy	bankruptcy	NOUN
fsr-3778	269	11	149	149	NUM
fsr-3778	269	12	table	table	NOUN
fsr-3778	269	13	2	2	NUM
fsr-3778	269	14	financial	financial	ADJ
fsr-3778	269	15	ratios	ratio	NOUN
fsr-3778	269	16	liquidity	liquidity	NOUN
fsr-3778	269	17	liquid	liquid	ADJ
fsr-3778	269	18	assets	asset	NOUN
fsr-3778	269	19	/	/	SYM
fsr-3778	269	20	monthly	monthly	ADJ
fsr-3778	269	21	expenses	expense	NOUN
fsr-3778	269	22	liquid	liquid	ADJ
fsr-3778	269	23	and	and	CCONJ
fsr-3778	269	24	financial	financial	ADJ
fsr-3778	269	25	assets	asset	NOUN
fsr-3778	269	26	/	/	SYM
fsr-3778	269	27	monthly	monthly	ADJ
fsr-3778	269	28	expenses	expense	NOUN
fsr-3778	269	29	debt	debt	NOUN
fsr-3778	269	30	liquid	liquid	ADJ
fsr-3778	269	31	assets	asset	NOUN
fsr-3778	269	32	/	/	SYM
fsr-3778	269	33	total	total	NOUN
fsr-3778	269	34	debt	debt	NOUN
fsr-3778	269	35	liquid	liquid	ADJ
fsr-3778	269	36	and	and	CCONJ
fsr-3778	269	37	financial	financial	ADJ
fsr-3778	269	38	assets	asset	NOUN
fsr-3778	269	39	/	/	SYM
fsr-3778	269	40	debt	debt	NOUN
fsr-3778	269	41	liquid	liquid	ADJ
fsr-3778	269	42	assets	asset	NOUN
fsr-3778	269	43	/	/	SYM
fsr-3778	269	44	non	non	ADJ
fsr-3778	269	45	-	-	ADJ
fsr-3778	269	46	mortgage	mortgage	ADJ
fsr-3778	269	47	debt	debt	NOUN
fsr-3778	269	48	liquid	liquid	ADJ
fsr-3778	269	49	assets	asset	NOUN
fsr-3778	269	50	/	/	SYM
fsr-3778	269	51	one	one	NUM
fsr-3778	269	52	-	-	PUNCT
fsr-3778	269	53	year	year	NOUN
fsr-3778	269	54	debt	debt	NOUN
fsr-3778	269	55	payment	payment	NOUN
fsr-3778	269	56	liquid	liquid	ADJ
fsr-3778	269	57	and	and	CCONJ
fsr-3778	269	58	financial	financial	ADJ
fsr-3778	269	59	assets	asset	NOUN
fsr-3778	269	60	/	/	SYM
fsr-3778	269	61	one	one	NUM
fsr-3778	269	62	-	-	PUNCT
fsr-3778	269	63	year	year	NOUN
fsr-3778	269	64	debt	debt	NOUN
fsr-3778	269	65	payment	payment	NOUN
fsr-3778	269	66	inflation	inflation	NOUN
fsr-3778	269	67	protection	protection	NOUN
fsr-3778	269	68	tangible	tangible	ADJ
fsr-3778	269	69	and	and	CCONJ
fsr-3778	269	70	equity	equity	NOUN
fsr-3778	269	71	assets	asset	NOUN
fsr-3778	269	72	/	/	SYM
fsr-3778	269	73	fixed	fix	VERB
fsr-3778	269	74	dollar	dollar	NOUN
fsr-3778	269	75	assets	asset	NOUN
fsr-3778	269	76	derivatives	derivative	NOUN
fsr-3778	269	77	of	of	ADP
fsr-3778	269	78	net	net	ADJ
fsr-3778	269	79	worth	worth	ADJ
fsr-3778	269	80	tangible	tangible	ADJ
fsr-3778	269	81	and	and	CCONJ
fsr-3778	269	82	equity	equity	NOUN
fsr-3778	269	83	less	less	ADJ
fsr-3778	269	84	home	home	NOUN
fsr-3778	269	85	/	/	SYM
fsr-3778	269	86	net	net	NOUN
fsr-3778	269	87	worth	worth	ADJ
fsr-3778	269	88	non	non	ADJ
fsr-3778	269	89	-	-	ADJ
fsr-3778	269	90	mortgage	mortgage	ADJ
fsr-3778	269	91	debt	debt	NOUN
fsr-3778	269	92	/	/	SYM
fsr-3778	269	93	net	net	NOUN
fsr-3778	269	94	worth	worth	ADJ
fsr-3778	269	95	total	total	ADJ
fsr-3778	269	96	debt	debt	NOUN
fsr-3778	269	97	/	/	SYM
fsr-3778	269	98	net	net	ADJ
fsr-3778	269	99	worth	worth	NOUN
fsr-3778	269	100	*	*	PUNCT
fsr-3778	269	101	(	(	PUNCT
fsr-3778	269	102	change	change	NOUN
fsr-3778	269	103	to	to	ADP
fsr-3778	269	104	debt	debt	NOUN
fsr-3778	269	105	/	/	SYM
fsr-3778	269	106	asset	asset	NOUN
fsr-3778	269	107	)	)	PUNCT
fsr-3778	269	108	liquid	liquid	ADJ
fsr-3778	269	109	assets	asset	NOUN
fsr-3778	269	110	/	/	SYM
fsr-3778	269	111	net	net	ADJ
fsr-3778	269	112	worth	worth	NOUN
fsr-3778	269	113	*	*	PUNCT
fsr-3778	269	114	(	(	PUNCT
fsr-3778	269	115	change	change	VERB
fsr-3778	269	116	to	to	ADP
fsr-3778	269	117	rota1	rota1	NOUN
fsr-3778	269	118	assets	asset	NOUN
fsr-3778	269	119	)	)	PUNCT
fsr-3778	269	120	liquid	liquid	ADJ
fsr-3778	269	121	and	and	CCONJ
fsr-3778	269	122	financial	financial	ADJ
fsr-3778	269	123	assets	asset	NOUN
fsr-3778	269	124	/	/	SYM
fsr-3778	269	125	net	net	ADJ
fsr-3778	269	126	worth	worth	NOUN
fsr-3778	269	127	*	*	PUNCT
fsr-3778	269	128	(	(	PUNCT
fsr-3778	269	129	change	change	NOUN
fsr-3778	269	130	to	to	ADP
fsr-3778	269	131	/total	/total	ADJ
fsr-3778	269	132	assets	asset	NOUN
fsr-3778	269	133	)	)	PUNCT
fsr-3778	269	134	tangible	tangible	ADJ
fsr-3778	269	135	and	and	CCONJ
fsr-3778	269	136	equity	equity	NOUN
fsr-3778	269	137	assets	asset	NOUN
fsr-3778	269	138	/	/	SYM
fsr-3778	269	139	net	net	ADJ
fsr-3778	269	140	worth	worth	NOUN
fsr-3778	269	141	*	*	PUNCT
fsr-3778	269	142	(	(	PUNCT
fsr-3778	269	143	change	change	NOUN
fsr-3778	269	144	to	to	ADP
fsr-3778	269	145	/total	/total	ADJ
fsr-3778	269	146	assets	asset	NOUN
fsr-3778	269	147	)	)	PUNCT
fsr-3778	269	148	tangible	tangible	ADJ
fsr-3778	269	149	assets	asset	NOUN
fsr-3778	269	150	/	/	SYM
fsr-3778	269	151	net	net	ADJ
fsr-3778	269	152	worth	worth	NOUN
fsr-3778	269	153	*	*	PUNCT
fsr-3778	269	154	(	(	PUNCT
fsr-3778	269	155	change	change	NOUN
fsr-3778	269	156	to	to	ADP
fsr-3778	269	157	rotal	rotal	ADJ
fsr-3778	269	158	assets	asset	NOUN
fsr-3778	269	159	)	)	PUNCT
fsr-3778	269	160	income	income	NOUN
fsr-3778	269	161	-	-	PUNCT
fsr-3778	269	162	generating	generate	VERB
fsr-3778	269	163	assets	asset	NOUN
fsr-3778	269	164	/	/	SYM
fsr-3778	269	165	net	net	ADJ
fsr-3778	269	166	worth	worth	NOUN
fsr-3778	269	167	*	*	PUNCT
fsr-3778	269	168	(	(	PUNCT
fsr-3778	269	169	change	change	NOUN
fsr-3778	269	170	to	to	ADP
fsr-3778	269	171	notal	notal	ADJ
fsr-3778	269	172	assets	asset	NOUN
fsr-3778	269	173	)	)	PUNCT
fsr-3778	269	174	now	now	ADV
fsr-3778	269	175	:	:	PUNCT
fsr-3778	269	176	*	*	PUNCT
fsr-3778	269	177	with	with	ADP
fsr-3778	269	178	change	change	NOUN
fsr-3778	269	179	suggested	suggest	VERB
fsr-3778	269	180	by	by	ADP
fsr-3778	269	181	prather	prather	PROPN
fsr-3778	269	182	.	.	PUNCT
fsr-3778	270	1	sources	source	NOUN
fsr-3778	270	2	:	:	PUNCT
fsr-3778	270	3	griffith	griffith	PROPN
fsr-3778	270	4	(	(	PUNCT
fsr-3778	270	5	1985	1985	NUM
fsr-3778	270	6	)	)	PUNCT
fsr-3778	270	7	;	;	PUNCT
fsr-3778	270	8	prather	prather	NOUN
fsr-3778	270	9	(	(	PUNCT
fsr-3778	270	10	1987	1987	NUM
fsr-3778	270	11	)	)	PUNCT
fsr-3778	270	12	.	.	PUNCT
fsr-3778	271	1	in	in	ADP
fsr-3778	271	2	a	a	DET
fsr-3778	271	3	seminal	seminal	ADJ
fsr-3778	271	4	work	work	NOUN
fsr-3778	271	5	,	,	PUNCT
fsr-3778	271	6	griffith	griffith	PROPN
fsr-3778	271	7	(	(	PUNCT
fsr-3778	271	8	1985	1985	NUM
fsr-3778	271	9	)	)	PUNCT
fsr-3778	271	10	noted	note	VERB
fsr-3778	271	11	that	that	SCONJ
fsr-3778	271	12	the	the	DET
fsr-3778	271	13	analysis	analysis	NOUN
fsr-3778	271	14	of	of	ADP
fsr-3778	271	15	personal	personal	ADJ
fsr-3778	271	16	financial	financial	ADJ
fsr-3778	271	17	state	state	NOUN
fsr-3778	271	18	ments	ment	NOUN
fsr-3778	271	19	seemed	seem	VERB
fsr-3778	271	20	“	"	PUNCT
fsr-3778	271	21	undeveloped	undeveloped	ADJ
fsr-3778	271	22	”	"	PUNCT
fsr-3778	271	23	and	and	CCONJ
fsr-3778	271	24	titled	title	VERB
fsr-3778	271	25	his	his	PRON
fsr-3778	271	26	proposal	proposal	NOUN
fsr-3778	271	27	for	for	ADP
fsr-3778	271	28	the	the	DET
fsr-3778	271	29	use	use	NOUN
fsr-3778	271	30	of	of	ADP
fsr-3778	271	31	16	16	NUM
fsr-3778	271	32	financial	financial	ADJ
fsr-3778	271	33	ratios	ratio	NOUN
fsr-3778	271	34	“	"	PUNCT
fsr-3778	271	35	a	a	DET
fsr-3778	271	36	modest	modest	ADJ
fsr-3778	271	37	beginning	beginning	NOUN
fsr-3778	271	38	”	"	PUNCT
fsr-3778	271	39	(	(	PUNCT
fsr-3778	271	40	p.	p.	NOUN
fsr-3778	271	41	123	123	NUM
fsr-3778	271	42	)	)	PUNCT
fsr-3778	271	43	.	.	PUNCT
fsr-3778	272	1	the	the	DET
fsr-3778	272	2	16	16	NUM
fsr-3778	272	3	original	original	ADJ
fsr-3778	272	4	ratios	ratio	NOUN
fsr-3778	272	5	are	be	AUX
fsr-3778	272	6	shown	show	VERB
fsr-3778	272	7	in	in	ADP
fsr-3778	272	8	table	table	NOUN
fsr-3778	272	9	2	2	NUM
fsr-3778	272	10	.	.	PUNCT
fsr-3778	273	1	griffith	griffith	PROPN
fsr-3778	273	2	stated	state	VERB
fsr-3778	273	3	that	that	SCONJ
fsr-3778	273	4	financial	financial	ADJ
fsr-3778	273	5	ratio	ratio	NOUN
fsr-3778	273	6	analysis	analysis	NOUN
fsr-3778	273	7	could	could	AUX
fsr-3778	273	8	be	be	AUX
fsr-3778	273	9	used	use	VERB
fsr-3778	273	10	by	by	ADP
fsr-3778	273	11	individuals	individual	NOUN
fsr-3778	273	12	and	and	CCONJ
fsr-3778	273	13	families	family	NOUN
fsr-3778	273	14	:	:	PUNCT
fsr-3778	273	15	(	(	PUNCT
fsr-3778	273	16	1	1	X
fsr-3778	273	17	)	)	PUNCT
fsr-3778	273	18	as	as	ADP
fsr-3778	273	19	a	a	DET
fsr-3778	273	20	measure	measure	NOUN
fsr-3778	273	21	of	of	ADP
fsr-3778	273	22	change	change	NOUN
fsr-3778	273	23	in	in	ADP
fsr-3778	273	24	financial	financial	ADJ
fsr-3778	273	25	progress	progress	NOUN
fsr-3778	273	26	over	over	ADP
fsr-3778	273	27	time	time	NOUN
fsr-3778	273	28	,	,	PUNCT
fsr-3778	273	29	(	(	PUNCT
fsr-3778	273	30	2	2	X
fsr-3778	273	31	)	)	PUNCT
fsr-3778	273	32	as	as	ADP
fsr-3778	273	33	an	an	DET
fsr-3778	273	34	objective	objective	ADJ
fsr-3778	273	35	measure	measure	NOUN
fsr-3778	273	36	of	of	ADP
fsr-3778	273	37	analysis	analysis	NOUN
fsr-3778	273	38	of	of	ADP
fsr-3778	273	39	family	family	NOUN
fsr-3778	273	40	finances	finance	NOUN
fsr-3778	273	41	,	,	PUNCT
fsr-3778	273	42	and	and	CCONJ
fsr-3778	273	43	(	(	PUNCT
fsr-3778	273	44	3	3	X
fsr-3778	273	45	)	)	PUNCT
fsr-3778	273	46	as	as	ADP
fsr-3778	273	47	a	a	DET
fsr-3778	273	48	tool	tool	NOUN
fsr-3778	273	49	for	for	ADP
fsr-3778	273	50	financial	financial	ADJ
fsr-3778	273	51	professionals	professional	NOUN
fsr-3778	273	52	to	to	PART
fsr-3778	273	53	make	make	VERB
fsr-3778	273	54	recommendations	recommendation	NOUN
fsr-3778	273	55	to	to	ADP
fsr-3778	273	56	families	family	NOUN
fsr-3778	273	57	(	(	PUNCT
fsr-3778	273	58	griffith	griffith	PROPN
fsr-3778	273	59	,	,	PUNCT
fsr-3778	273	60	1985	1985	NUM
fsr-3778	273	61	)	)	PUNCT
fsr-3778	273	62	.	.	PUNCT
fsr-3778	274	1	later	later	ADV
fsr-3778	274	2	,	,	PUNCT
fsr-3778	274	3	mason	mason	PROPN
fsr-3778	274	4	and	and	CCONJ
fsr-3778	274	5	griffith	griffith	PROPN
fsr-3778	274	6	(	(	PUNCT
fsr-3778	274	7	1988	1988	NUM
fsr-3778	274	8	)	)	PUNCT
fsr-3778	274	9	discussed	discuss	VERB
fsr-3778	274	10	the	the	DET
fsr-3778	274	11	application	application	NOUN
fsr-3778	274	12	of	of	ADP
fsr-3778	274	13	financial	financial	ADJ
fsr-3778	274	14	ratios	ratio	NOUN
fsr-3778	274	15	to	to	ADP
fsr-3778	274	16	personal	personal	ADJ
fsr-3778	274	17	financial	financial	ADJ
fsr-3778	274	18	statements	statement	NOUN
fsr-3778	274	19	by	by	ADP
fsr-3778	274	20	professionals	professional	NOUN
fsr-3778	274	21	such	such	ADJ
fsr-3778	274	22	as	as	ADP
fsr-3778	274	23	bankers	banker	NOUN
fsr-3778	274	24	,	,	PUNCT
fsr-3778	274	25	life	life	NOUN
fsr-3778	274	26	insurance	insurance	NOUN
fsr-3778	274	27	brokers	broker	NOUN
fsr-3778	274	28	,	,	PUNCT
fsr-3778	274	29	certified	certify	VERB
fsr-3778	274	30	public	public	ADJ
fsr-3778	274	31	accountants	accountant	NOUN
fsr-3778	274	32	,	,	PUNCT
fsr-3778	274	33	attorneys	attorney	NOUN
fsr-3778	274	34	,	,	PUNCT
fsr-3778	274	35	and	and	CCONJ
fsr-3778	274	36	financial	financial	ADJ
fsr-3778	274	37	planners	planner	NOUN
fsr-3778	274	38	.	.	PUNCT
fsr-3778	275	1	in	in	ADP
fsr-3778	275	2	each	each	DET
fsr-3778	275	3	setting	setting	NOUN
fsr-3778	275	4	,	,	PUNCT
fsr-3778	275	5	the	the	DET
fsr-3778	275	6	financial	financial	ADJ
fsr-3778	275	7	ratio	ratio	NOUN
fsr-3778	275	8	could	could	AUX
fsr-3778	275	9	be	be	AUX
fsr-3778	275	10	used	use	VERB
fsr-3778	275	11	to	to	PART
fsr-3778	275	12	help	help	VERB
fsr-3778	275	13	determine	determine	VERB
fsr-3778	275	14	the	the	DET
fsr-3778	275	15	financial	financial	ADJ
fsr-3778	275	16	well	well	NOUN
fsr-3778	275	17	-	-	PUNCT
fsr-3778	275	18	being	being	NOUN
fsr-3778	275	19	of	of	ADP
fsr-3778	275	20	the	the	DET
fsr-3778	275	21	client	client	NOUN
fsr-3778	275	22	in	in	ADP
fsr-3778	275	23	regard	regard	NOUN
fsr-3778	275	24	to	to	ADP
fsr-3778	275	25	one	one	NUM
fsr-3778	275	26	or	or	CCONJ
fsr-3778	275	27	more	more	ADJ
fsr-3778	275	28	of	of	ADP
fsr-3778	275	29	the	the	DET
fsr-3778	275	30	following	follow	VERB
fsr-3778	275	31	areas	area	NOUN
fsr-3778	275	32	:	:	PUNCT
fsr-3778	275	33	consumption	consumption	NOUN
fsr-3778	275	34	,	,	PUNCT
fsr-3778	275	35	investment	investment	NOUN
fsr-3778	275	36	,	,	PUNCT
fsr-3778	275	37	and	and	CCONJ
fsr-3778	275	38	the	the	DET
fsr-3778	275	39	use	use	NOUN
fsr-3778	275	40	of	of	ADP
fsr-3778	275	41	credit	credit	NOUN
fsr-3778	275	42	.	.	PUNCT
fsr-3778	276	1	following	follow	VERB
fsr-3778	276	2	an	an	DET
fsr-3778	276	3	analysis	analysis	NOUN
fsr-3778	276	4	of	of	ADP
fsr-3778	276	5	22	22	NUM
fsr-3778	276	6	personal	personal	ADJ
fsr-3778	276	7	finance	finance	NOUN
fsr-3778	276	8	and	and	CCONJ
fsr-3778	276	9	financial	financial	ADJ
fsr-3778	276	10	planning	planning	NOUN
fsr-3778	276	11	texts	text	NOUN
fsr-3778	276	12	,	,	PUNCT
fsr-3778	276	13	mason	mason	PROPN
fsr-3778	276	14	and	and	CCONJ
fsr-3778	276	15	griffith	griffith	PROPN
fsr-3778	276	16	(	(	PUNCT
fsr-3778	276	17	1988	1988	NUM
fsr-3778	276	18	)	)	PUNCT
fsr-3778	276	19	noted	note	VERB
fsr-3778	276	20	the	the	DET
fsr-3778	276	21	lack	lack	NOUN
fsr-3778	276	22	of	of	ADP
fsr-3778	276	23	a	a	DET
fsr-3778	276	24	theoretical	theoretical	ADJ
fsr-3778	276	25	framework	framework	NOUN
fsr-3778	276	26	for	for	ADP
fsr-3778	276	27	using	use	VERB
fsr-3778	276	28	certain	certain	ADJ
fsr-3778	276	29	data	datum	NOUN
fsr-3778	276	30	when	when	SCONJ
fsr-3778	276	31	analyzing	analyze	VERB
fsr-3778	276	32	a	a	DET
fsr-3778	276	33	client	client	NOUN
fsr-3778	276	34	’s	’s	PART
fsr-3778	276	35	financial	financial	ADJ
fsr-3778	276	36	situation	situation	NOUN
fsr-3778	276	37	.	.	PUNCT
fsr-3778	277	1	they	they	PRON
fsr-3778	277	2	stated	state	VERB
fsr-3778	277	3	:	:	PUNCT
fsr-3778	277	4	despite	despite	SCONJ
fsr-3778	277	5	the	the	DET
fsr-3778	277	6	absence	absence	NOUN
fsr-3778	277	7	of	of	ADP
fsr-3778	277	8	sound	sound	NOUN
fsr-3778	277	9	theory	theory	NOUN
fsr-3778	277	10	,	,	PUNCT
fsr-3778	277	11	the	the	DET
fsr-3778	277	12	authors	author	NOUN
fsr-3778	277	13	believe	believe	VERB
fsr-3778	277	14	it	it	PRON
fsr-3778	277	15	is	be	AUX
fsr-3778	277	16	still	still	ADV
fsr-3778	277	17	useful	useful	ADJ
fsr-3778	277	18	to	to	PART
fsr-3778	277	19	develop	develop	VERB
fsr-3778	277	20	ratios	ratio	NOUN
fsr-3778	277	21	.	.	PUNCT
fsr-3778	277	22	.	.	PUNCT
fsr-3778	277	23	.	.	PUNCT
fsr-3778	278	1	empirical	empirical	ADJ
fsr-3778	278	2	research	research	NOUN
fsr-3778	278	3	is	be	AUX
fsr-3778	278	4	needed	need	VERB
fsr-3778	278	5	to	to	PART
fsr-3778	278	6	test	test	VERB
fsr-3778	278	7	these	these	DET
fsr-3778	278	8	ratios	ratio	NOUN
fsr-3778	278	9	,	,	PUNCT
fsr-3778	278	10	and	and	CCONJ
fsr-3778	278	11	those	those	DET
fsr-3778	278	12	ratios	ratio	NOUN
fsr-3778	278	13	that	that	PRON
fsr-3778	278	14	are	be	AUX
fsr-3778	278	15	good	good	ADJ
fsr-3778	278	16	predictors	predictor	NOUN
fsr-3778	278	17	of	of	ADP
fsr-3778	278	18	financial	financial	ADJ
fsr-3778	278	19	problems	problem	NOUN
fsr-3778	278	20	and	and	CCONJ
fsr-3778	278	21	performance	performance	NOUN
fsr-3778	278	22	should	should	AUX
fsr-3778	278	23	be	be	AUX
fsr-3778	278	24	retained	retain	VERB
fsr-3778	278	25	(	(	PUNCT
fsr-3778	278	26	p.	p.	NOUN
fsr-3778	278	27	73	73	NUM
fsr-3778	278	28	)	)	PUNCT
fsr-3778	278	29	.	.	PUNCT
fsr-3778	279	1	prather	prather	NOUN
fsr-3778	279	2	(	(	PUNCT
fsr-3778	279	3	1990	1990	NUM
fsr-3778	279	4	)	)	PUNCT
fsr-3778	279	5	used	use	VERB
fsr-3778	279	6	data	datum	NOUN
fsr-3778	279	7	from	from	ADP
fsr-3778	279	8	the	the	DET
fsr-3778	279	9	1983	1983	NUM
fsr-3778	279	10	survey	survey	NOUN
fsr-3778	279	11	of	of	ADP
fsr-3778	279	12	consumer	consumer	NOUN
fsr-3778	279	13	finances	finance	NOUN
fsr-3778	279	14	(	(	PUNCT
fsr-3778	279	15	scf	scf	PROPN
fsr-3778	279	16	)	)	PUNCT
fsr-3778	279	17	to	to	PART
fsr-3778	279	18	examine	examine	VERB
fsr-3778	279	19	the	the	DET
fsr-3778	279	20	financial	financial	ADJ
fsr-3778	279	21	ratios	ratio	NOUN
fsr-3778	279	22	suggested	suggest	VERB
fsr-3778	279	23	by	by	ADP
fsr-3778	279	24	griffith	griffith	PROPN
fsr-3778	279	25	.	.	PUNCT
fsr-3778	280	1	following	follow	VERB
fsr-3778	280	2	statistical	statistical	ADJ
fsr-3778	280	3	analysis	analysis	NOUN
fsr-3778	280	4	,	,	PUNCT
fsr-3778	280	5	prather	prather	NOUN
fsr-3778	280	6	suggested	suggest	VERB
fsr-3778	280	7	:	:	PUNCT
fsr-3778	280	8	(	(	PUNCT
fsr-3778	280	9	1	1	X
fsr-3778	280	10	)	)	PUNCT
fsr-3778	280	11	instituting	institute	VERB
fsr-3778	280	12	household	household	NOUN
fsr-3778	280	13	norms	norm	NOUN
fsr-3778	280	14	for	for	ADP
fsr-3778	280	15	each	each	PRON
fsr-3778	280	16	of	of	ADP
fsr-3778	280	17	the	the	DET
fsr-3778	280	18	ratios	ratio	NOUN
fsr-3778	280	19	,	,	PUNCT
fsr-3778	280	20	and	and	CCONJ
fsr-3778	280	21	(	(	PUNCT
fsr-3778	280	22	2	2	X
fsr-3778	280	23	)	)	PUNCT
fsr-3778	280	24	that	that	SCONJ
fsr-3778	280	25	the	the	DET
fsr-3778	280	26	divisor	divisor	NOUN
fsr-3778	280	27	of	of	ADP
fsr-3778	280	28	five	five	NUM
fsr-3778	280	29	ratios	ratio	NOUN
fsr-3778	280	30	be	be	AUX
fsr-3778	280	31	changed	change	VERB
fsr-3778	280	32	from	from	ADP
fsr-3778	280	33	net	net	ADJ
fsr-3778	280	34	worth	worth	NOUN
fsr-3778	280	35	to	to	ADP
fsr-3778	280	36	total	total	ADJ
fsr-3778	280	37	assets	asset	NOUN
fsr-3778	280	38	.	.	PUNCT
fsr-3778	281	1	prather	prather	PROPN
fsr-3778	281	2	stated	state	VERB
fsr-3778	281	3	:	:	PUNCT
fsr-3778	281	4	“	"	PUNCT
fsr-3778	281	5	relating	relate	VERB
fsr-3778	281	6	a	a	DET
fsr-3778	281	7	part	part	NOUN
fsr-3778	281	8	to	to	ADP
fsr-3778	281	9	the	the	DET
fsr-3778	281	10	whole	whole	NOUN
fsr-3778	281	11	would	would	AUX
fsr-3778	281	12	150	150	NUM
fsr-3778	281	13	financial	financial	ADJ
fsr-3778	281	14	services	service	NOUN
fsr-3778	281	15	review	review	NOUN
fsr-3778	281	16	4(2	4(2	NUM
fsr-3778	281	17	)	)	PUNCT
fsr-3778	281	18	1995	1995	NUM
fsr-3778	281	19	table	table	NOUN
fsr-3778	281	20	3	3	NUM
fsr-3778	281	21	financial	financial	ADJ
fsr-3778	281	22	ratios	ratio	NOUN
fsr-3778	281	23	liquidity	liquidity	NOUN
fsr-3778	281	24	net	net	ADJ
fsr-3778	281	25	consumption	consumption	NOUN
fsr-3778	281	26	expenditures	expenditure	NOUN
fsr-3778	281	27	/	/	SYM
fsr-3778	281	28	disposable	disposable	ADJ
fsr-3778	281	29	income	income	NOUN
fsr-3778	281	30	liquid	liquid	ADJ
fsr-3778	281	31	assets	asset	NOUN
fsr-3778	281	32	/	/	SYM
fsr-3778	281	33	net	net	ADJ
fsr-3778	281	34	consumption	consumption	NOUN
fsr-3778	281	35	expenditures	expenditure	NOUN
fsr-3778	281	36	total	total	ADJ
fsr-3778	281	37	housing	housing	NOUN
fsr-3778	281	38	expenses	expense	NOUN
fsr-3778	281	39	/	/	SYM
fsr-3778	281	40	disposable	disposable	ADJ
fsr-3778	281	41	income	income	NOUN
fsr-3778	281	42	debt	debt	NOUN
fsr-3778	281	43	servke	servke	PROPN
fsr-3778	281	44	consumer	consumer	NOUN
fsr-3778	281	45	debt	debt	NOUN
fsr-3778	281	46	repayments	repayment	NOUN
fsr-3778	281	47	/	/	SYM
fsr-3778	281	48	disposable	disposable	ADJ
fsr-3778	281	49	income	income	NOUN
fsr-3778	281	50	annual	annual	ADJ
fsr-3778	281	51	consumer	consumer	NOUN
fsr-3778	281	52	and	and	CCONJ
fsr-3778	281	53	mortgage	mortgage	NOUN
fsr-3778	281	54	debt	debt	NOUN
fsr-3778	281	55	repayments	repayment	NOUN
fsr-3778	281	56	/	/	SYM
fsr-3778	281	57	annual	annual	ADJ
fsr-3778	281	58	disposable	disposable	ADJ
fsr-3778	281	59	income	income	NOUN
fsr-3778	281	60	gross	gross	ADJ
fsr-3778	281	61	annual	annual	ADJ
fsr-3778	281	62	debt	debt	NOUN
fsr-3778	281	63	repayments	repayment	NOUN
fsr-3778	281	64	/	/	SYM
fsr-3778	281	65	gross	gross	ADJ
fsr-3778	281	66	annual	annual	ADJ
fsr-3778	281	67	income	income	NOUN
fsr-3778	281	68	meeting	meet	VERB
fsr-3778	281	69	financial	financial	ADJ
fsr-3778	281	70	goals	goal	NOUN
fsr-3778	281	71	total	total	ADJ
fsr-3778	281	72	household	household	NOUN
fsr-3778	281	73	assets	asset	NOUN
fsr-3778	281	74	/	/	SYM
fsr-3778	281	75	total	total	ADJ
fsr-3778	281	76	household	household	NOUN
fsr-3778	281	77	liabilities	liability	NOUN
fsr-3778	281	78	annual	annual	ADJ
fsr-3778	281	79	total	total	ADJ
fsr-3778	281	80	savings	saving	NOUN
fsr-3778	281	81	/	/	SYM
fsr-3778	281	82	annual	annual	ADJ
fsr-3778	281	83	disposable	disposable	ADJ
fsr-3778	281	84	income	income	NOUN
fsr-3778	281	85	investment	investment	NOUN
fsr-3778	281	86	assets	asset	NOUN
fsr-3778	281	87	/	/	SYM
fsr-3778	281	88	net	net	ADJ
fsr-3778	281	89	worth	worth	ADJ
fsr-3778	281	90	source	source	NOUN
fsr-3778	281	91	:	:	PUNCT
fsr-3778	281	92	lytton	lytton	PROPN
fsr-3778	281	93	,	,	PUNCT
fsr-3778	281	94	garman	garman	PROPN
fsr-3778	281	95	,	,	PUNCT
fsr-3778	281	96	&	&	CCONJ
fsr-3778	281	97	porter	porter	PROPN
fsr-3778	281	98	(	(	PUNCT
fsr-3778	281	99	1991	1991	NUM
fsr-3778	281	100	)	)	PUNCT
fsr-3778	281	101	.	.	PUNCT
fsr-3778	282	1	provide	provide	VERB
fsr-3778	282	2	a	a	DET
fsr-3778	282	3	ratio	ratio	NOUN
fsr-3778	282	4	value	value	NOUN
fsr-3778	282	5	which	which	PRON
fsr-3778	282	6	is	be	AUX
fsr-3778	282	7	more	more	ADV
fsr-3778	282	8	intuitively	intuitively	ADV
fsr-3778	282	9	meaningful	meaningful	ADJ
fsr-3778	282	10	”	"	PUNCT
fsr-3778	282	11	(	(	PUNCT
fsr-3778	282	12	1990	1990	NUM
fsr-3778	282	13	,	,	PUNCT
fsr-3778	282	14	p.	p.	NOUN
fsr-3778	282	15	66	66	NUM
fsr-3778	282	16	)	)	PUNCT
fsr-3778	282	17	.	.	PUNCT
fsr-3778	283	1	changes	change	NOUN
fsr-3778	283	2	to	to	ADP
fsr-3778	283	3	the	the	DET
fsr-3778	283	4	original	original	ADJ
fsr-3778	283	5	ratios	ratio	NOUN
fsr-3778	283	6	are	be	AUX
fsr-3778	283	7	annotated	annotate	VERB
fsr-3778	283	8	in	in	ADP
fsr-3778	283	9	table	table	NOUN
fsr-3778	283	10	2	2	NUM
fsr-3778	283	11	.	.	PUNCT
fsr-3778	284	1	although	although	SCONJ
fsr-3778	284	2	garman	garman	NOUN
fsr-3778	284	3	and	and	CCONJ
fsr-3778	284	4	forgue	forgue	NOUN
fsr-3778	284	5	(	(	PUNCT
fsr-3778	284	6	199	199	NUM
fsr-3778	284	7	1	1	NUM
fsr-3778	284	8	)	)	PUNCT
fsr-3778	284	9	recommended	recommend	VERB
fsr-3778	284	10	eight	eight	NUM
fsr-3778	284	11	ratios	ratio	NOUN
fsr-3778	284	12	that	that	PRON
fsr-3778	284	13	measured	measure	VERB
fsr-3778	284	14	liquidity	liquidity	NOUN
fsr-3778	284	15	,	,	PUNCT
fsr-3778	284	16	debt	debt	NOUN
fsr-3778	284	17	burden	burden	NOUN
fsr-3778	284	18	,	,	PUNCT
fsr-3778	284	19	and	and	CCONJ
fsr-3778	284	20	progress	progress	VERB
fsr-3778	284	21	toward	toward	ADP
fsr-3778	284	22	meeting	meet	VERB
fsr-3778	284	23	financial	financial	ADJ
fsr-3778	284	24	goals	goal	NOUN
fsr-3778	284	25	,	,	PUNCT
fsr-3778	284	26	they	they	PRON
fsr-3778	284	27	stated	state	VERB
fsr-3778	284	28	:	:	PUNCT
fsr-3778	284	29	since	since	SCONJ
fsr-3778	284	30	standards	standard	NOUN
fsr-3778	284	31	for	for	ADP
fsr-3778	284	32	these	these	DET
fsr-3778	284	33	ratios	ratio	NOUN
fsr-3778	284	34	do	do	AUX
fsr-3778	284	35	not	not	PART
fsr-3778	284	36	exist	exist	VERB
fsr-3778	284	37	,	,	PUNCT
fsr-3778	284	38	it	it	PRON
fsr-3778	284	39	is	be	AUX
fsr-3778	284	40	best	good	ADJ
fsr-3778	284	41	to	to	PART
fsr-3778	284	42	subjectively	subjectively	ADV
fsr-3778	284	43	evaluate	evaluate	VERB
fsr-3778	284	44	each	each	DET
fsr-3778	284	45	ratio	ratio	NOUN
fsr-3778	284	46	in	in	ADP
fsr-3778	284	47	light	light	NOUN
fsr-3778	284	48	of	of	ADP
fsr-3778	284	49	the	the	DET
fsr-3778	284	50	peculiarities	peculiarity	NOUN
fsr-3778	284	51	of	of	ADP
fsr-3778	284	52	each	each	DET
fsr-3778	284	53	individual	individual	ADJ
fsr-3778	284	54	and	and	CCONJ
fsr-3778	284	55	family	family	NOUN
fsr-3778	284	56	circumstance	circumstance	NOUN
fsr-3778	284	57	,	,	PUNCT
fsr-3778	284	58	considering	consider	VERB
fsr-3778	284	59	such	such	ADJ
fsr-3778	284	60	factors	factor	NOUN
fsr-3778	284	61	as	as	ADP
fsr-3778	284	62	stage	stage	NOUN
fsr-3778	284	63	in	in	ADP
fsr-3778	284	64	the	the	DET
fsr-3778	284	65	life	life	NOUN
fsr-3778	284	66	cycle	cycle	NOUN
fsr-3778	284	67	,	,	PUNCT
fsr-3778	284	68	marital	marital	ADJ
fsr-3778	284	69	status	status	NOUN
fsr-3778	284	70	,	,	PUNCT
fsr-3778	284	71	income	income	NOUN
fsr-3778	284	72	,	,	PUNCT
fsr-3778	284	73	and	and	CCONJ
fsr-3778	284	74	financial	financial	ADJ
fsr-3778	284	75	goals	goal	NOUN
fsr-3778	284	76	(	(	PUNCT
fsr-3778	284	77	garman	garman	NOUN
fsr-3778	284	78	&	&	CCONJ
fsr-3778	284	79	forgue	forgue	PROPN
fsr-3778	284	80	,	,	PUNCT
fsr-3778	284	81	1991	1991	NUM
fsr-3778	284	82	,	,	PUNCT
fsr-3778	284	83	p.	p.	NOUN
fsr-3778	284	84	92	92	NUM
fsr-3778	284	85	)	)	PUNCT
fsr-3778	284	86	.	.	PUNCT
fsr-3778	285	1	not	not	PART
fsr-3778	285	2	satisfied	satisfied	ADJ
fsr-3778	285	3	with	with	ADP
fsr-3778	285	4	the	the	DET
fsr-3778	285	5	current	current	ADJ
fsr-3778	285	6	research	research	NOUN
fsr-3778	285	7	and	and	CCONJ
fsr-3778	285	8	literature	literature	NOUN
fsr-3778	285	9	on	on	ADP
fsr-3778	285	10	ratios	ratio	NOUN
fsr-3778	285	11	,	,	PUNCT
fsr-3778	285	12	lytton	lytton	PROPN
fsr-3778	285	13	,	,	PUNCT
fsr-3778	285	14	garman	garman	PROPN
fsr-3778	285	15	,	,	PUNCT
fsr-3778	285	16	and	and	CCONJ
fsr-3778	285	17	porter	porter	NOUN
fsr-3778	285	18	(	(	PUNCT
fsr-3778	285	19	1991	1991	NUM
fsr-3778	285	20	)	)	PUNCT
fsr-3778	285	21	presented	present	VERB
fsr-3778	285	22	a	a	DET
fsr-3778	285	23	list	list	NOUN
fsr-3778	285	24	of	of	ADP
fsr-3778	285	25	ratios	ratio	NOUN
fsr-3778	285	26	(	(	PUNCT
fsr-3778	285	27	shown	show	VERB
fsr-3778	285	28	in	in	ADP
fsr-3778	285	29	table	table	NOUN
fsr-3778	285	30	3	3	NUM
fsr-3778	285	31	)	)	PUNCT
fsr-3778	285	32	and	and	CCONJ
fsr-3778	285	33	applied	apply	VERB
fsr-3778	285	34	them	they	PRON
fsr-3778	285	35	to	to	ADP
fsr-3778	285	36	a	a	DET
fsr-3778	285	37	case	case	NOUN
fsr-3778	285	38	study	study	NOUN
fsr-3778	285	39	.	.	PUNCT
fsr-3778	286	1	when	when	SCONJ
fsr-3778	286	2	available	available	ADJ
fsr-3778	286	3	,	,	PUNCT
fsr-3778	286	4	“	"	PUNCT
fsr-3778	286	5	widely	widely	ADV
fsr-3778	286	6	accepted	accept	VERB
fsr-3778	286	7	”	"	PUNCT
fsr-3778	286	8	guidelines	guideline	NOUN
fsr-3778	286	9	for	for	ADP
fsr-3778	286	10	interpretation	interpretation	NOUN
fsr-3778	286	11	were	be	AUX
fsr-3778	286	12	suggested	suggest	VERB
fsr-3778	286	13	.	.	PUNCT
fsr-3778	287	1	lytton	lytton	PROPN
fsr-3778	287	2	et	et	PROPN
fsr-3778	287	3	al	al	PROPN
fsr-3778	287	4	.	.	PROPN
fsr-3778	287	5	noted	note	VERB
fsr-3778	287	6	that	that	SCONJ
fsr-3778	287	7	“	"	PUNCT
fsr-3778	287	8	recommendations	recommendation	NOUN
fsr-3778	287	9	for	for	ADP
fsr-3778	287	10	change	change	NOUN
fsr-3778	287	11	should	should	AUX
fsr-3778	287	12	not	not	PART
fsr-3778	287	13	be	be	AUX
fsr-3778	287	14	made	make	VERB
fsr-3778	287	15	on	on	ADP
fsr-3778	287	16	the	the	DET
fsr-3778	287	17	basis	basis	NOUN
fsr-3778	287	18	of	of	ADP
fsr-3778	287	19	one	one	NUM
fsr-3778	287	20	ratio	ratio	NOUN
fsr-3778	287	21	.	.	PUNCT
fsr-3778	288	1	instead	instead	ADV
fsr-3778	288	2	,	,	PUNCT
fsr-3778	288	3	it	it	PRON
fsr-3778	288	4	is	be	AUX
fsr-3778	288	5	imperative	imperative	ADJ
fsr-3778	288	6	that	that	SCONJ
fsr-3778	288	7	these	these	DET
fsr-3778	288	8	nine	nine	NUM
fsr-3778	288	9	ratios	ratio	NOUN
fsr-3778	288	10	be	be	AUX
fsr-3778	288	11	calculated	calculate	VERB
fsr-3778	288	12	and	and	CCONJ
fsr-3778	288	13	the	the	DET
fsr-3778	288	14	combined	combine	VERB
fsr-3778	288	15	effects	effect	NOUN
fsr-3778	288	16	of	of	ADP
fsr-3778	288	17	the	the	DET
fsr-3778	288	18	results	result	NOUN
fsr-3778	288	19	considered	consider	VERB
fsr-3778	288	20	in	in	ADP
fsr-3778	288	21	an	an	DET
fsr-3778	288	22	interrelated	interrelated	ADJ
fsr-3778	288	23	manner	manner	NOUN
fsr-3778	288	24	”	"	PUNCT
fsr-3778	288	25	(	(	PUNCT
fsr-3778	288	26	p.	p.	NOUN
fsr-3778	288	27	21	21	NUM
fsr-3778	288	28	)	)	PUNCT
fsr-3778	288	29	.	.	PUNCT
fsr-3778	289	1	iwuagwu	iwuagwu	PROPN
fsr-3778	289	2	(	(	PUNCT
fsr-3778	289	3	1989	1989	NUM
fsr-3778	289	4	)	)	PUNCT
fsr-3778	289	5	analyzed	analyze	VERB
fsr-3778	289	6	ratios	ratio	NOUN
fsr-3778	289	7	from	from	ADP
fsr-3778	289	8	a	a	DET
fsr-3778	289	9	different	different	ADJ
fsr-3778	289	10	perspective	perspective	NOUN
fsr-3778	289	11	--	--	PUNCT
fsr-3778	289	12	as	as	ADP
fsr-3778	289	13	predictors	predictor	NOUN
fsr-3778	289	14	of	of	ADP
fsr-3778	289	15	per	per	ADP
fsr-3778	289	16	ceived	ceive	VERB
fsr-3778	289	17	household	household	NOUN
fsr-3778	289	18	financial	financial	ADJ
fsr-3778	289	19	security	security	NOUN
fsr-3778	289	20	.	.	PUNCT
fsr-3778	290	1	using	use	VERB
fsr-3778	290	2	data	datum	NOUN
fsr-3778	290	3	from	from	ADP
fsr-3778	290	4	the	the	DET
fsr-3778	290	5	wisconsin	wisconsin	PROPN
fsr-3778	290	6	basic	basic	ADJ
fsr-3778	290	7	needs	need	NOUN
fsr-3778	290	8	survey	survey	NOUN
fsr-3778	290	9	which	which	PRON
fsr-3778	290	10	was	be	AUX
fsr-3778	290	11	collected	collect	VERB
fsr-3778	290	12	in	in	ADP
fsr-3778	290	13	1981	1981	NUM
fsr-3778	290	14	and	and	CCONJ
fsr-3778	290	15	1982	1982	NUM
fsr-3778	290	16	,	,	PUNCT
fsr-3778	290	17	iwuagwu	iwuagwu	NOUN
fsr-3778	290	18	found	find	VERB
fsr-3778	290	19	several	several	ADJ
fsr-3778	290	20	ratios	ratio	NOUN
fsr-3778	290	21	that	that	PRON
fsr-3778	290	22	were	be	AUX
fsr-3778	290	23	statistically	statistically	ADV
fsr-3778	290	24	significant	significant	ADJ
fsr-3778	290	25	predictors	predictor	NOUN
fsr-3778	290	26	of	of	ADP
fsr-3778	290	27	perceived	perceive	VERB
fsr-3778	290	28	financial	financial	ADJ
fsr-3778	290	29	security	security	NOUN
fsr-3778	290	30	(	(	PUNCT
fsr-3778	290	31	shown	show	VERB
fsr-3778	290	32	in	in	ADP
fsr-3778	290	33	table	table	NOUN
fsr-3778	290	34	4	4	NUM
fsr-3778	290	35	)	)	PUNCT
fsr-3778	290	36	.	.	PUNCT
fsr-3778	291	1	five	five	NUM
fsr-3778	291	2	of	of	ADP
fsr-3778	291	3	the	the	DET
fsr-3778	291	4	seven	seven	NUM
fsr-3778	291	5	ratios	ratio	NOUN
fsr-3778	291	6	that	that	PRON
fsr-3778	291	7	were	be	AUX
fsr-3778	291	8	used	use	VERB
fsr-3778	291	9	had	have	AUX
fsr-3778	291	10	been	be	AUX
fsr-3778	291	11	identified	identify	VERB
fsr-3778	291	12	by	by	ADP
fsr-3778	291	13	prather	prather	PROPN
fsr-3778	291	14	as	as	ADP
fsr-3778	291	15	being	be	AUX
fsr-3778	291	16	the	the	DET
fsr-3778	291	17	“	"	PUNCT
fsr-3778	291	18	most	most	ADV
fsr-3778	291	19	useful	useful	ADJ
fsr-3778	291	20	”	"	PUNCT
fsr-3778	291	21	of	of	ADP
fsr-3778	291	22	the	the	DET
fsr-3778	291	23	original	original	ADJ
fsr-3778	291	24	16	16	NUM
fsr-3778	291	25	.	.	PUNCT
fsr-3778	292	1	prather	prather	NOUN
fsr-3778	292	2	(	(	PUNCT
fsr-3778	292	3	1990	1990	NUM
fsr-3778	292	4	)	)	PUNCT
fsr-3778	292	5	and	and	CCONJ
fsr-3778	292	6	iwuagwu	iwuagwu	ADV
fsr-3778	292	7	(	(	PUNCT
fsr-3778	292	8	1989	1989	NUM
fsr-3778	292	9	)	)	PUNCT
fsr-3778	292	10	acknowledged	acknowledge	VERB
fsr-3778	292	11	that	that	SCONJ
fsr-3778	292	12	a	a	DET
fsr-3778	292	13	smaller	small	ADJ
fsr-3778	292	14	number	number	NOUN
fsr-3778	292	15	of	of	ADP
fsr-3778	292	16	ratios	ratio	NOUN
fsr-3778	292	17	was	be	AUX
fsr-3778	292	18	more	more	ADV
fsr-3778	292	19	useful	useful	ADJ
fsr-3778	292	20	and	and	CCONJ
fsr-3778	292	21	each	each	DET
fsr-3778	292	22	reviewer	reviewer	NOUN
fsr-3778	292	23	recommended	recommend	VERB
fsr-3778	292	24	the	the	DET
fsr-3778	292	25	use	use	NOUN
fsr-3778	292	26	of	of	ADP
fsr-3778	292	27	similar	similar	ADJ
fsr-3778	292	28	ratios	ratio	NOUN
fsr-3778	292	29	.	.	PUNCT
fsr-3778	293	1	lytton	lytton	PROPN
fsr-3778	293	2	et	et	PROPN
fsr-3778	293	3	al	al	PROPN
fsr-3778	293	4	.	.	PROPN
fsr-3778	294	1	(	(	PUNCT
fsr-3778	294	2	1991	1991	NUM
fsr-3778	294	3	)	)	PUNCT
fsr-3778	294	4	assumed	assume	VERB
fsr-3778	294	5	that	that	SCONJ
fsr-3778	294	6	families	family	NOUN
fsr-3778	294	7	were	be	AUX
fsr-3778	294	8	knowledgeable	knowledgeable	ADJ
fsr-3778	294	9	about	about	ADP
fsr-3778	294	10	their	their	PRON
fsr-3778	294	11	amount	amount	NOUN
fsr-3778	294	12	of	of	ADP
fsr-3778	294	13	disposable	disposable	ADJ
fsr-3778	294	14	income	income	NOUN
fsr-3778	294	15	and	and	CCONJ
fsr-3778	294	16	suggested	suggest	VERB
fsr-3778	294	17	that	that	SCONJ
fsr-3778	294	18	income	income	NOUN
fsr-3778	294	19	should	should	AUX
fsr-3778	294	20	be	be	AUX
fsr-3778	294	21	a	a	DET
fsr-3778	294	22	reference	reference	NOUN
fsr-3778	294	23	point	point	NOUN
fsr-3778	294	24	for	for	ADP
fsr-3778	294	25	many	many	ADJ
fsr-3778	294	26	of	of	ADP
fsr-3778	294	27	the	the	DET
fsr-3778	294	28	ratios	ratio	NOUN
fsr-3778	294	29	.	.	PUNCT
fsr-3778	295	1	in	in	ADP
fsr-3778	295	2	a	a	DET
fsr-3778	295	3	descriptive	descriptive	ADJ
fsr-3778	295	4	analysis	analysis	NOUN
fsr-3778	295	5	of	of	ADP
fsr-3778	295	6	household	household	NOUN
fsr-3778	295	7	financial	financial	ADJ
fsr-3778	295	8	status	status	NOUN
fsr-3778	295	9	in	in	ADP
fsr-3778	295	10	the	the	DET
fsr-3778	295	11	1980s	1980	NOUN
fsr-3778	295	12	devaney	devaney	PROPN
fsr-3778	295	13	(	(	PUNCT
fsr-3778	295	14	1993	1993	NUM
fsr-3778	295	15	)	)	PUNCT
fsr-3778	295	16	compared	compare	VERB
fsr-3778	295	17	the	the	DET
fsr-3778	295	18	propor	propor	ADJ
fsr-3778	295	19	tions	tion	NOUN
fsr-3778	295	20	of	of	ADP
fsr-3778	295	21	households	household	NOUN
fsr-3778	295	22	meeting	meet	VERB
fsr-3778	295	23	financial	financial	ADJ
fsr-3778	295	24	ratio	ratio	NOUN
fsr-3778	295	25	guidelines	guideline	NOUN
fsr-3778	295	26	,	,	PUNCT
fsr-3778	295	27	as	as	SCONJ
fsr-3778	295	28	cited	cite	VERB
fsr-3778	295	29	in	in	ADP
fsr-3778	295	30	two	two	NUM
fsr-3778	295	31	personal	personal	ADJ
fsr-3778	295	32	finance	finance	NOUN
fsr-3778	295	33	textbooks	textbook	NOUN
fsr-3778	295	34	.	.	PUNCT
fsr-3778	296	1	almost	almost	ADV
fsr-3778	296	2	10	10	NUM
fsr-3778	296	3	%	%	NOUN
fsr-3778	296	4	of	of	ADP
fsr-3778	296	5	households	household	NOUN
fsr-3778	296	6	in	in	ADP
fsr-3778	296	7	1986	1986	NUM
fsr-3778	296	8	were	be	AUX
fsr-3778	296	9	technically	technically	ADV
fsr-3778	296	10	insolvent	insolvent	ADJ
fsr-3778	296	11	with	with	ADP
fsr-3778	296	12	an	an	DET
fsr-3778	296	13	asset	asset	NOUN
fsr-3778	296	14	/	/	SYM
fsr-3778	296	15	h	h	NOUN
fsr-3778	296	16	ability	ability	NOUN
fsr-3778	296	17	ratio	ratio	NOUN
fsr-3778	296	18	less	less	ADJ
fsr-3778	296	19	than	than	ADP
fsr-3778	296	20	1	1	NUM
fsr-3778	296	21	.o	.o	NOUN
fsr-3778	297	1	(	(	PUNCT
fsr-3778	297	2	i.e.	i.e.	X
fsr-3778	297	3	,	,	PUNCT
fsr-3778	297	4	debts	debt	NOUN
fsr-3778	297	5	were	be	AUX
fsr-3778	297	6	greater	great	ADJ
fsr-3778	297	7	than	than	ADP
fsr-3778	297	8	assets	asset	NOUN
fsr-3778	297	9	)	)	PUNCT
fsr-3778	297	10	and	and	CCONJ
fsr-3778	297	11	40	40	NUM
fsr-3778	297	12	%	%	NOUN
fsr-3778	297	13	did	do	AUX
fsr-3778	297	14	not	not	PART
fsr-3778	297	15	have	have	VERB
fsr-3778	297	16	access	access	NOUN
fsr-3778	297	17	to	to	ADP
fsr-3778	297	18	a	a	DET
fsr-3778	297	19	standard	standard	ADJ
fsr-3778	297	20	emergency	emergency	NOUN
fsr-3778	297	21	fund	fund	NOUN
fsr-3778	297	22	measure	measure	NOUN
fsr-3778	297	23	(	(	PUNCT
fsr-3778	297	24	liquid	liquid	ADJ
fsr-3778	297	25	assets	asset	NOUN
fsr-3778	297	26	equal	equal	ADJ
fsr-3778	297	27	to	to	ADP
fsr-3778	297	28	three	three	NUM
fsr-3778	297	29	months	month	NOUN
fsr-3778	297	30	of	of	ADP
fsr-3778	297	31	disposable	disposable	ADJ
fsr-3778	297	32	household	household	NOUN
fsr-3778	297	33	insolvency	insolvency	NOUN
fsr-3778	297	34	:	:	PUNCT
fsr-3778	297	35	debt	debt	NOUN
fsr-3778	297	36	repayment	repayment	NOUN
fsr-3778	297	37	,	,	PUNCT
fsr-3778	297	38	delinquency	delinquency	NOUN
fsr-3778	297	39	,	,	PUNCT
fsr-3778	297	40	and	and	CCONJ
fsr-3778	297	41	bankruptcy	bankruptcy	NOUN
fsr-3778	297	42	151	151	NUM
fsr-3778	297	43	table	table	NOUN
fsr-3778	297	44	4	4	NUM
fsr-3778	297	45	financial	financial	ADJ
fsr-3778	297	46	ratios	ratio	NOUN
fsr-3778	297	47	liquidity	liquidity	NOUN
fsr-3778	297	48	liquid	liquid	ADJ
fsr-3778	297	49	assets	asset	NOUN
fsr-3778	297	50	/	/	SYM
fsr-3778	297	51	monthly	monthly	ADJ
fsr-3778	297	52	expenditures	expenditure	NOUN
fsr-3778	297	53	*	*	PUNCT
fsr-3778	297	54	debt	debt	NOUN
fsr-3778	297	55	liquid	liquid	ADJ
fsr-3778	297	56	assets	asset	NOUN
fsr-3778	297	57	/	/	SYM
fsr-3778	297	58	consumer	consumer	NOUN
fsr-3778	297	59	debt	debt	NOUN
fsr-3778	297	60	*	*	PUNCT
fsr-3778	297	61	consumer	consumer	NOUN
fsr-3778	297	62	debt	debt	NOUN
fsr-3778	297	63	/	/	SYM
fsr-3778	297	64	gross	gross	ADJ
fsr-3778	297	65	income	income	NOUN
fsr-3778	297	66	liquid	liquid	ADJ
fsr-3778	297	67	assetsr’otal	assetsr’otal	ADJ
fsr-3778	297	68	debt	debt	NOUN
fsr-3778	297	69	liquid	liquid	ADJ
fsr-3778	297	70	assets	asset	NOUN
fsr-3778	297	71	/	/	SYM
fsr-3778	297	72	short	short	ADJ
fsr-3778	297	73	-	-	PUNCT
fsr-3778	297	74	term	term	NOUN
fsr-3778	297	75	debt	debt	NOUN
fsr-3778	297	76	plus	plus	CCONJ
fsr-3778	297	77	1	1	NUM
fsr-3778	297	78	year	year	NOUN
fsr-3778	297	79	of	of	ADP
fsr-3778	297	80	other	other	ADJ
fsr-3778	297	81	debt	debt	NOUN
fsr-3778	297	82	monthly	monthly	ADJ
fsr-3778	297	83	debt	debt	NOUN
fsr-3778	297	84	payment	payment	NOUN
fsr-3778	297	85	/	/	SYM
fsr-3778	297	86	monthly	monthly	ADJ
fsr-3778	297	87	gross	gross	ADJ
fsr-3778	297	88	income	income	NOUN
fsr-3778	297	89	inflation	inflation	NOUN
fsr-3778	297	90	protection	protection	NOUN
fsr-3778	297	91	inflationary	inflationary	ADJ
fsr-3778	297	92	assets	asset	NOUN
fsr-3778	297	93	/	/	SYM
fsr-3778	297	94	total	total	ADJ
fsr-3778	297	95	assets	asset	NOUN
fsr-3778	297	96	*	*	PUNCT
fsr-3778	297	97	note	note	NOUN
fsr-3778	297	98	:	:	PUNCT
fsr-3778	297	99	*	*	PUNCT
fsr-3778	297	100	predictor	predictor	NOUN
fsr-3778	297	101	of	of	ADP
fsr-3778	297	102	household	household	NOUN
fsr-3778	297	103	’s	’s	PART
fsr-3778	297	104	perceived	perceive	VERB
fsr-3778	297	105	financial	financial	ADJ
fsr-3778	297	106	security	security	NOUN
fsr-3778	297	107	.	.	PUNCT
fsr-3778	298	1	income	income	NOUN
fsr-3778	298	2	)	)	PUNCT
fsr-3778	298	3	.	.	PUNCT
fsr-3778	299	1	also	also	ADV
fsr-3778	299	2	,	,	PUNCT
fsr-3778	299	3	several	several	ADJ
fsr-3778	299	4	ratios	ratio	NOUN
fsr-3778	299	5	indicated	indicate	VERB
fsr-3778	299	6	that	that	SCONJ
fsr-3778	299	7	the	the	DET
fsr-3778	299	8	level	level	NOUN
fsr-3778	299	9	of	of	ADP
fsr-3778	299	10	household	household	NOUN
fsr-3778	299	11	debt	debt	NOUN
fsr-3778	299	12	compared	compare	VERB
fsr-3778	299	13	to	to	ADP
fsr-3778	299	14	income	income	NOUN
fsr-3778	299	15	increased	increase	VERB
fsr-3778	299	16	between	between	ADP
fsr-3778	299	17	1983	1983	NUM
fsr-3778	299	18	and	and	CCONJ
fsr-3778	299	19	1986	1986	NUM
fsr-3778	299	20	.	.	PUNCT
fsr-3778	300	1	in	in	ADP
fsr-3778	300	2	another	another	DET
fsr-3778	300	3	study	study	NOUN
fsr-3778	300	4	,	,	PUNCT
fsr-3778	300	5	again	again	ADV
fsr-3778	300	6	using	use	VERB
fsr-3778	300	7	survey	survey	NOUN
fsr-3778	300	8	of	of	ADP
fsr-3778	300	9	consumer	consumer	NOUN
fsr-3778	300	10	finance	finance	NOUN
fsr-3778	300	11	data	datum	NOUN
fsr-3778	300	12	for	for	ADP
fsr-3778	300	13	1983	1983	NUM
fsr-3778	300	14	and	and	CCONJ
fsr-3778	300	15	1986	1986	NUM
fsr-3778	300	16	and	and	CCONJ
fsr-3778	300	17	negative	negative	ADJ
fsr-3778	300	18	or	or	CCONJ
fsr-3778	300	19	zero	zero	NUM
fsr-3778	300	20	net	net	ADJ
fsr-3778	300	21	worth	worth	NOUN
fsr-3778	300	22	as	as	ADP
fsr-3778	300	23	a	a	DET
fsr-3778	300	24	dependent	dependent	ADJ
fsr-3778	300	25	variable	variable	NOUN
fsr-3778	300	26	,	,	PUNCT
fsr-3778	300	27	devaney	devaney	PROPN
fsr-3778	300	28	(	(	PUNCT
fsr-3778	300	29	1994	1994	NUM
fsr-3778	300	30	)	)	PUNCT
fsr-3778	300	31	showed	show	VERB
fsr-3778	300	32	that	that	SCONJ
fsr-3778	300	33	comparing	compare	VERB
fsr-3778	300	34	the	the	DET
fsr-3778	300	35	value	value	NOUN
fsr-3778	300	36	of	of	ADP
fsr-3778	300	37	a	a	DET
fsr-3778	300	38	financial	financial	ADJ
fsr-3778	300	39	ratio	ratio	NOUN
fsr-3778	300	40	to	to	ADP
fsr-3778	300	41	a	a	DET
fsr-3778	300	42	cutoff	cutoff	NOUN
fsr-3778	300	43	or	or	CCONJ
fsr-3778	300	44	guideline	guideline	NOUN
fsr-3778	300	45	was	be	AUX
fsr-3778	300	46	a	a	DET
fsr-3778	300	47	statistically	statistically	ADV
fsr-3778	300	48	significant	significant	ADJ
fsr-3778	300	49	predictor	predictor	NOUN
fsr-3778	300	50	of	of	ADP
fsr-3778	300	51	household	household	NOUN
fsr-3778	300	52	insolvency	insolvency	NOUN
fsr-3778	300	53	three	three	NUM
fsr-3778	300	54	years	year	NOUN
fsr-3778	300	55	later	later	ADV
fsr-3778	300	56	.	.	PUNCT
fsr-3778	301	1	when	when	SCONJ
fsr-3778	301	2	the	the	DET
fsr-3778	301	3	outcome	outcome	NOUN
fsr-3778	301	4	of	of	ADP
fsr-3778	301	5	two	two	NUM
fsr-3778	301	6	statistical	statistical	ADJ
fsr-3778	301	7	procedures	procedure	NOUN
fsr-3778	301	8	logistic	logistic	ADJ
fsr-3778	301	9	regression	regression	NOUN
fsr-3778	301	10	and	and	CCONJ
fsr-3778	301	11	a	a	DET
fsr-3778	301	12	classification	classification	NOUN
fsr-3778	301	13	tree	tree	NOUN
fsr-3778	301	14	-	-	PUNCT
fsr-3778	301	15	were	be	AUX
fsr-3778	301	16	compared	compare	VERB
fsr-3778	301	17	,	,	PUNCT
fsr-3778	301	18	the	the	DET
fsr-3778	301	19	most	most	ADV
fsr-3778	301	20	likely	likely	ADJ
fsr-3778	301	21	predictors	predictor	NOUN
fsr-3778	301	22	of	of	ADP
fsr-3778	301	23	insolvency	insolvency	NOUN
fsr-3778	301	24	were	be	AUX
fsr-3778	301	25	the	the	DET
fsr-3778	301	26	liquidity	liquidity	NOUN
fsr-3778	301	27	ratio	ratio	NOUN
fsr-3778	301	28	and	and	CCONJ
fsr-3778	301	29	the	the	DET
fsr-3778	301	30	assets	asset	NOUN
fsr-3778	301	31	-	-	PUNCT
fsr-3778	301	32	to	to	ADP
fsr-3778	301	33	-	-	PUNCT
fsr-3778	301	34	liability	liability	NOUN
fsr-3778	301	35	ratio	ratio	NOUN
fsr-3778	301	36	,	,	PUNCT
fsr-3778	301	37	respectively	respectively	ADV
fsr-3778	301	38	.	.	PUNCT
fsr-3778	302	1	however	however	ADV
fsr-3778	302	2	,	,	PUNCT
fsr-3778	302	3	gross	gross	ADJ
fsr-3778	302	4	annual	annual	ADJ
fsr-3778	302	5	(	(	PUNCT
fsr-3778	302	6	non	non	ADJ
fsr-3778	302	7	-	-	ADJ
fsr-3778	302	8	mortgage	mortgage	ADJ
fsr-3778	302	9	)	)	PUNCT
fsr-3778	302	10	debt	debt	NOUN
fsr-3778	302	11	compared	compare	VERB
fsr-3778	302	12	to	to	ADP
fsr-3778	302	13	disposable	disposable	ADJ
fsr-3778	302	14	income	income	NOUN
fsr-3778	302	15	was	be	AUX
fsr-3778	302	16	the	the	DET
fsr-3778	302	17	second	second	ADJ
fsr-3778	302	18	most	most	ADV
fsr-3778	302	19	likely	likely	ADJ
fsr-3778	302	20	predictor	predictor	NOUN
fsr-3778	302	21	of	of	ADP
fsr-3778	302	22	insolvency	insolvency	NOUN
fsr-3778	302	23	for	for	ADP
fsr-3778	302	24	each	each	PRON
fsr-3778	302	25	of	of	ADP
fsr-3778	302	26	the	the	DET
fsr-3778	302	27	two	two	NUM
fsr-3778	302	28	methods	method	NOUN
fsr-3778	302	29	.	.	PUNCT
fsr-3778	303	1	financial	financial	ADJ
fsr-3778	303	2	ratios	ratio	NOUN
fsr-3778	303	3	that	that	PRON
fsr-3778	303	4	were	be	AUX
fsr-3778	303	5	tested	test	VERB
fsr-3778	303	6	with	with	ADP
fsr-3778	303	7	a	a	DET
fsr-3778	303	8	cutoff	cutoff	NOUN
fsr-3778	303	9	or	or	CCONJ
fsr-3778	303	10	guideline	guideline	NOUN
fsr-3778	303	11	are	be	AUX
fsr-3778	303	12	shown	show	VERB
fsr-3778	303	13	with	with	ADP
fsr-3778	303	14	the	the	DET
fsr-3778	303	15	appropriate	appropriate	ADJ
fsr-3778	303	16	value	value	NOUN
fsr-3778	303	17	for	for	ADP
fsr-3778	303	18	the	the	DET
fsr-3778	303	19	guideline	guideline	NOUN
fsr-3778	303	20	in	in	ADP
fsr-3778	303	21	table	table	NOUN
fsr-3778	303	22	5	5	NUM
fsr-3778	303	23	.	.	PUNCT
fsr-3778	304	1	a	a	DET
fsr-3778	304	2	study	study	NOUN
fsr-3778	304	3	comparing	compare	VERB
fsr-3778	304	4	ratio	ratio	NOUN
fsr-3778	304	5	measurements	measurement	NOUN
fsr-3778	304	6	in	in	ADP
fsr-3778	304	7	three	three	NUM
fsr-3778	304	8	time	time	NOUN
fsr-3778	304	9	periods	period	NOUN
fsr-3778	304	10	with	with	ADP
fsr-3778	304	11	the	the	DET
fsr-3778	304	12	same	same	ADJ
fsr-3778	304	13	families	family	NOUN
fsr-3778	304	14	has	have	AUX
fsr-3778	304	15	provided	provide	VERB
fsr-3778	304	16	further	further	ADJ
fsr-3778	304	17	evidence	evidence	NOUN
fsr-3778	304	18	of	of	ADP
fsr-3778	304	19	the	the	DET
fsr-3778	304	20	usefulness	usefulness	NOUN
fsr-3778	304	21	of	of	ADP
fsr-3778	304	22	ratios	ratio	NOUN
fsr-3778	304	23	(	(	PUNCT
fsr-3778	304	24	fanslow	fanslow	NOUN
fsr-3778	304	25	,	,	PUNCT
fsr-3778	304	26	1994	1994	NUM
fsr-3778	304	27	)	)	PUNCT
fsr-3778	304	28	.	.	PUNCT
fsr-3778	305	1	six	six	NUM
fsr-3778	305	2	financial	financial	ADJ
fsr-3778	305	3	ratios	ratio	NOUN
fsr-3778	305	4	were	be	AUX
fsr-3778	305	5	calculated	calculate	VERB
fsr-3778	305	6	using	use	VERB
fsr-3778	305	7	data	datum	NOUN
fsr-3778	305	8	collected	collect	VERB
fsr-3778	305	9	during	during	ADP
fsr-3778	305	10	interviews	interview	NOUN
fsr-3778	305	11	with	with	ADP
fsr-3778	305	12	84	84	NUM
fsr-3778	305	13	household	household	NOUN
fsr-3778	305	14	money	money	NOUN
fsr-3778	305	15	managers	manager	NOUN
fsr-3778	305	16	in	in	ADP
fsr-3778	305	17	1982,1986	1982,1986	NUM
fsr-3778	305	18	,	,	PUNCT
fsr-3778	305	19	and	and	CCONJ
fsr-3778	305	20	1991	1991	NUM
fsr-3778	305	21	.	.	PUNCT
fsr-3778	306	1	the	the	DET
fsr-3778	306	2	ratios	ratio	NOUN
fsr-3778	306	3	suggested	suggest	VERB
fsr-3778	306	4	some	some	DET
fsr-3778	306	5	financial	financial	ADJ
fsr-3778	306	6	concerns	concern	NOUN
fsr-3778	306	7	for	for	ADP
fsr-3778	306	8	the	the	DET
fsr-3778	306	9	households	household	NOUN
fsr-3778	306	10	.	.	PUNCT
fsr-3778	307	1	fewer	few	ADJ
fsr-3778	307	2	families	family	NOUN
fsr-3778	307	3	had	have	VERB
fsr-3778	307	4	adequate	adequate	ADJ
fsr-3778	307	5	liquid	liquid	ADJ
fsr-3778	307	6	assets	asset	NOUN
fsr-3778	307	7	to	to	PART
fsr-3778	307	8	meet	meet	VERB
fsr-3778	307	9	three	three	NUM
fsr-3778	307	10	months	month	NOUN
fsr-3778	307	11	of	of	ADP
fsr-3778	307	12	household	household	NOUN
fsr-3778	307	13	expenses	expense	NOUN
fsr-3778	307	14	compared	compare	VERB
fsr-3778	307	15	to	to	ADP
fsr-3778	307	16	in	in	ADP
fsr-3778	307	17	1986	1986	NUM
fsr-3778	307	18	.	.	PUNCT
fsr-3778	308	1	similarly	similarly	ADV
fsr-3778	308	2	,	,	PUNCT
fsr-3778	308	3	slightly	slightly	ADV
fsr-3778	308	4	fewer	few	ADJ
fsr-3778	308	5	met	meet	VERB
fsr-3778	308	6	the	the	DET
fsr-3778	308	7	criterion	criterion	NOUN
fsr-3778	308	8	of	of	ADP
fsr-3778	308	9	saving	save	VERB
fsr-3778	308	10	5	5	NUM
fsr-3778	308	11	%	%	NOUN
fsr-3778	308	12	of	of	ADP
fsr-3778	308	13	annual	annual	ADJ
fsr-3778	308	14	table	table	NOUN
fsr-3778	308	15	5	5	NUM
fsr-3778	308	16	financial	financial	ADJ
fsr-3778	308	17	ratios	ratio	NOUN
fsr-3778	308	18	with	with	ADP
fsr-3778	308	19	guideline	guideline	NOUN
fsr-3778	308	20	solvency	solvency	NOUN
fsr-3778	308	21	total	total	ADJ
fsr-3778	308	22	assets	asset	NOUN
fsr-3778	308	23	/	/	SYM
fsr-3778	308	24	total	total	ADJ
fsr-3778	308	25	liabilities	liability	NOUN
fsr-3778	308	26	>	>	PUNCT
fsr-3778	308	27	1	1	NUM
fsr-3778	308	28	*	*	NOUN
fsr-3778	308	29	liquidity	liquidity	NOUN
fsr-3778	308	30	liquid	liquid	ADJ
fsr-3778	308	31	assets	asset	NOUN
fsr-3778	308	32	/	/	SYM
fsr-3778	308	33	disposable	disposable	ADJ
fsr-3778	308	34	income	income	NOUN
fsr-3778	308	35	>	>	X
fsr-3778	308	36	.25	.25	NUM
fsr-3778	308	37	*	*	PUNCT
fsr-3778	308	38	debt	debt	NOUN
fsr-3778	308	39	service	service	NOUN
fsr-3778	308	40	annual	annual	ADJ
fsr-3778	308	41	shelter	shelter	NOUN
fsr-3778	308	42	costs	cost	NOUN
fsr-3778	308	43	~	~	PUNCT
fsr-3778	308	44	otal	otal	ADJ
fsr-3778	308	45	income	income	NOUN
fsr-3778	308	46	<	<	X
fsr-3778	308	47	.28	.28	NUM
fsr-3778	308	48	consumer	consumer	NOUN
fsr-3778	308	49	debt	debt	NOUN
fsr-3778	308	50	paymentsldisposable	paymentsldisposable	ADJ
fsr-3778	308	51	income	income	NOUN
fsr-3778	308	52	<	<	X
fsr-3778	308	53	.15	.15	NUM
fsr-3778	308	54	gross	gross	ADJ
fsr-3778	308	55	annual	annual	ADJ
fsr-3778	308	56	debt	debt	NOUN
fsr-3778	308	57	payments	payment	NOUN
fsr-3778	308	58	/	/	SYM
fsr-3778	308	59	disposable	disposable	ADJ
fsr-3778	308	60	income	income	NOUN
fsr-3778	308	61	<	<	X
fsr-3778	308	62	.30	.30	NUM
fsr-3778	308	63	*	*	PUNCT
fsr-3778	308	64	note	note	NOUN
fsr-3778	308	65	:	:	PUNCT
fsr-3778	308	66	*	*	PUNCT
fsr-3778	308	67	if	if	SCONJ
fsr-3778	308	68	guideline	guideline	NOUN
fsr-3778	308	69	is	be	AUX
fsr-3778	308	70	not	not	PART
fsr-3778	308	71	met	meet	VERB
fsr-3778	308	72	,	,	PUNCT
fsr-3778	308	73	ratio	ratio	NOUN
fsr-3778	308	74	predicts	predict	VERB
fsr-3778	308	75	a	a	DET
fsr-3778	308	76	propensity	propensity	NOUN
fsr-3778	308	77	for	for	ADP
fsr-3778	308	78	insolvency	insolvency	NOUN
fsr-3778	308	79	.	.	PUNCT
fsr-3778	309	1	source	source	NOUN
fsr-3778	309	2	:	:	PUNCT
fsr-3778	309	3	devaney	devaney	PROPN
fsr-3778	309	4	(	(	PUNCT
fsr-3778	309	5	1994	1994	NUM
fsr-3778	309	6	)	)	PUNCT
fsr-3778	309	7	.	.	PUNCT
fsr-3778	310	1	152	152	NUM
fsr-3778	310	2	flnancial	flnancial	ADJ
fsr-3778	310	3	services	service	NOUN
fsr-3778	310	4	review	review	VERB
fsr-3778	310	5	4(2	4(2	NUM
fsr-3778	310	6	)	)	PUNCT
fsr-3778	310	7	1995	1995	NUM
fsr-3778	310	8	table	table	NOUN
fsr-3778	310	9	6	6	NUM
fsr-3778	310	10	financial	financial	ADJ
fsr-3778	310	11	ratios	ratio	NOUN
fsr-3778	310	12	:	:	PUNCT
fsr-3778	310	13	iowa	iowa	PROPN
fsr-3778	310	14	longitudinal	longitudinal	PROPN
fsr-3778	310	15	study	study	NOUN
fsr-3778	310	16	housing	housing	NOUN
fsr-3778	310	17	expenses	expense	NOUN
fsr-3778	310	18	/	/	SYM
fsr-3778	310	19	net	net	ADJ
fsr-3778	310	20	income	income	NOUN
fsr-3778	310	21	i	i	PRON
fsr-3778	310	22	.30	.30	PROPN
fsr-3778	310	23	-	-	PUNCT
fsr-3778	310	24	a0	a0	NOUN
fsr-3778	310	25	financial	financial	ADJ
fsr-3778	310	26	assets	asset	NOUN
fsr-3778	310	27	/	/	SYM
fsr-3778	310	28	net	net	ADJ
fsr-3778	310	29	worth	worth	ADJ
fsr-3778	310	30	2.25	2.25	NUM
fsr-3778	310	31	expenditures	expenditure	NOUN
fsr-3778	310	32	/	/	SYM
fsr-3778	310	33	net	net	ADJ
fsr-3778	310	34	income	income	NOUN
fsr-3778	310	35	il.00	il.00	ADJ
fsr-3778	310	36	savings	saving	NOUN
fsr-3778	310	37	/	/	SYM
fsr-3778	310	38	net	net	ADJ
fsr-3778	310	39	income	income	NOUN
fsr-3778	310	40	2.05	2.05	NUM
fsr-3778	310	41	liquid	liquid	ADJ
fsr-3778	310	42	assets	asset	NOUN
fsr-3778	310	43	/	/	SYM
fsr-3778	310	44	expenditures	expenditure	NOUN
fsr-3778	310	45	>	>	SYM
fsr-3778	310	46	.25	.25	NUM
fsr-3778	310	47	consumer	consumer	NOUN
fsr-3778	310	48	debt	debt	NOUN
fsr-3778	310	49	service	service	NOUN
fsr-3778	310	50	1.10	1.10	NUM
fsr-3778	310	51	source	source	NOUN
fsr-3778	310	52	:	:	PUNCT
fsr-3778	310	53	fanslow	fanslow	PROPN
fsr-3778	310	54	(	(	PUNCT
fsr-3778	310	55	1994	1994	NUM
fsr-3778	310	56	)	)	PUNCT
fsr-3778	310	57	.	.	PUNCT
fsr-3778	311	1	take	take	VERB
fsr-3778	311	2	-	-	PUNCT
fsr-3778	311	3	home	home	NOUN
fsr-3778	311	4	pay	pay	NOUN
fsr-3778	311	5	.	.	PUNCT
fsr-3778	312	1	consumer	consumer	NOUN
fsr-3778	312	2	debt	debt	NOUN
fsr-3778	312	3	load	load	NOUN
fsr-3778	312	4	had	have	AUX
fsr-3778	312	5	increased	increase	VERB
fsr-3778	312	6	for	for	ADP
fsr-3778	312	7	more	more	ADJ
fsr-3778	312	8	of	of	ADP
fsr-3778	312	9	the	the	DET
fsr-3778	312	10	families	family	NOUN
fsr-3778	312	11	when	when	SCONJ
fsr-3778	312	12	compared	compare	VERB
fsr-3778	312	13	to	to	ADP
fsr-3778	312	14	the	the	DET
fsr-3778	312	15	two	two	NUM
fsr-3778	312	16	previous	previous	ADJ
fsr-3778	312	17	years	year	NOUN
fsr-3778	312	18	(	(	PUNCT
fsr-3778	312	19	see	see	VERB
fsr-3778	312	20	table	table	NOUN
fsr-3778	312	21	6	6	NUM
fsr-3778	312	22	)	)	PUNCT
fsr-3778	312	23	.	.	PUNCT
fsr-3778	313	1	the	the	DET
fsr-3778	313	2	rather	rather	ADV
fsr-3778	313	3	lengthy	lengthy	ADJ
fsr-3778	313	4	discussion	discussion	NOUN
fsr-3778	313	5	of	of	ADP
fsr-3778	313	6	credit	credit	NOUN
fsr-3778	313	7	scoring	scoring	NOUN
fsr-3778	313	8	and	and	CCONJ
fsr-3778	313	9	financial	financial	ADJ
fsr-3778	313	10	ratios	ratio	NOUN
fsr-3778	313	11	for	for	ADP
fsr-3778	313	12	consumers	consumer	NOUN
fsr-3778	313	13	has	have	AUX
fsr-3778	313	14	revealed	reveal	VERB
fsr-3778	313	15	a	a	DET
fsr-3778	313	16	similar	similar	ADJ
fsr-3778	313	17	history	history	NOUN
fsr-3778	313	18	of	of	ADP
fsr-3778	313	19	development	development	NOUN
fsr-3778	313	20	for	for	ADP
fsr-3778	313	21	each	each	PRON
fsr-3778	313	22	of	of	ADP
fsr-3778	313	23	the	the	DET
fsr-3778	313	24	predictive	predictive	ADJ
fsr-3778	313	25	models	model	NOUN
fsr-3778	313	26	.	.	PUNCT
fsr-3778	314	1	each	each	DET
fsr-3778	314	2	model	model	NOUN
fsr-3778	314	3	is	be	AUX
fsr-3778	314	4	quantifiable	quantifiable	ADJ
fsr-3778	314	5	so	so	SCONJ
fsr-3778	314	6	that	that	SCONJ
fsr-3778	314	7	both	both	DET
fsr-3778	314	8	consumers	consumer	NOUN
fsr-3778	314	9	and	and	CCONJ
fsr-3778	314	10	the	the	DET
fsr-3778	314	11	industry	industry	NOUN
fsr-3778	314	12	can	can	AUX
fsr-3778	314	13	have	have	VERB
fsr-3778	314	14	information	information	NOUN
fsr-3778	314	15	readily	readily	ADV
fsr-3778	314	16	available	available	ADJ
fsr-3778	314	17	for	for	ADP
fsr-3778	314	18	use	use	NOUN
fsr-3778	314	19	.	.	PUNCT
fsr-3778	315	1	the	the	DET
fsr-3778	315	2	creditors	creditor	NOUN
fsr-3778	315	3	have	have	VERB
fsr-3778	315	4	a	a	DET
fsr-3778	315	5	responsibility	responsibility	NOUN
fsr-3778	315	6	to	to	PART
fsr-3778	315	7	inform	inform	VERB
fsr-3778	315	8	educators	educator	NOUN
fsr-3778	315	9	which	which	DET
fsr-3778	315	10	ratios	ratio	NOUN
fsr-3778	315	11	have	have	AUX
fsr-3778	315	12	been	be	AUX
fsr-3778	315	13	most	most	ADV
fsr-3778	315	14	useful	useful	ADJ
fsr-3778	315	15	as	as	ADP
fsr-3778	315	16	predictors	predictor	NOUN
fsr-3778	315	17	in	in	ADP
fsr-3778	315	18	their	their	PRON
fsr-3778	315	19	modeling	modeling	NOUN
fsr-3778	315	20	(	(	PUNCT
fsr-3778	315	21	cambridge	cambridge	NOUN
fsr-3778	315	22	seminar	seminar	NOUN
fsr-3778	315	23	,	,	PUNCT
fsr-3778	315	24	1988	1988	NUM
fsr-3778	315	25	;	;	PUNCT
fsr-3778	315	26	mierzwinski	mierzwinski	NOUN
fsr-3778	315	27	,	,	PUNCT
fsr-3778	315	28	1995	1995	NUM
fsr-3778	315	29	)	)	PUNCT
fsr-3778	315	30	and	and	CCONJ
fsr-3778	315	31	then	then	ADV
fsr-3778	315	32	educators	educator	NOUN
fsr-3778	315	33	have	have	VERB
fsr-3778	315	34	a	a	DET
fsr-3778	315	35	responsibility	responsibility	NOUN
fsr-3778	315	36	for	for	ADP
fsr-3778	315	37	informing	inform	VERB
fsr-3778	315	38	the	the	DET
fsr-3778	315	39	public	public	NOUN
fsr-3778	315	40	on	on	ADP
fsr-3778	315	41	the	the	DET
fsr-3778	315	42	use	use	NOUN
fsr-3778	315	43	and	and	CCONJ
fsr-3778	315	44	interpretation	interpretation	NOUN
fsr-3778	315	45	of	of	ADP
fsr-3778	315	46	those	those	DET
fsr-3778	315	47	ratios	ratio	NOUN
fsr-3778	315	48	.	.	PUNCT
fsr-3778	316	1	v.	v.	ADP
fsr-3778	316	2	i~~plicati	i~~plicati	NOUN
fsr-3778	316	3	~	~	PROPN
fsr-3778	316	4	ns	ns	NUM
fsr-3778	316	5	the	the	DET
fsr-3778	316	6	management	management	NOUN
fsr-3778	316	7	of	of	ADP
fsr-3778	316	8	the	the	DET
fsr-3778	316	9	credit	credit	NOUN
fsr-3778	316	10	use	use	NOUN
fsr-3778	316	11	/	/	SYM
fsr-3778	316	12	payment	payment	NOUN
fsr-3778	316	13	behavior	behavior	NOUN
fsr-3778	316	14	relationship	relationship	NOUN
fsr-3778	316	15	needs	need	VERB
fsr-3778	316	16	to	to	PART
fsr-3778	316	17	be	be	AUX
fsr-3778	316	18	a	a	DET
fsr-3778	316	19	win	win	NOUN
fsr-3778	316	20	-	-	PUNCT
fsr-3778	316	21	win	win	NOUN
fsr-3778	316	22	situation	situation	NOUN
fsr-3778	316	23	for	for	ADP
fsr-3778	316	24	all	all	DET
fsr-3778	316	25	the	the	DET
fsr-3778	316	26	parties	party	NOUN
fsr-3778	316	27	involved	involve	VERB
fsr-3778	316	28	.	.	PUNCT
fsr-3778	317	1	each	each	DET
fsr-3778	317	2	part	part	NOUN
fsr-3778	317	3	of	of	ADP
fsr-3778	317	4	the	the	DET
fsr-3778	317	5	relationship	relationship	NOUN
fsr-3778	317	6	needs	need	VERB
fsr-3778	317	7	to	to	PART
fsr-3778	317	8	work	work	VERB
fsr-3778	317	9	to	to	PART
fsr-3778	317	10	support	support	VERB
fsr-3778	317	11	the	the	DET
fsr-3778	317	12	other	other	ADJ
fsr-3778	317	13	.	.	PUNCT
fsr-3778	318	1	insolvency	insolvency	NOUN
fsr-3778	318	2	is	be	AUX
fsr-3778	318	3	a	a	DET
fsr-3778	318	4	breakdown	breakdown	NOUN
fsr-3778	318	5	in	in	ADP
fsr-3778	318	6	the	the	DET
fsr-3778	318	7	relationship	relationship	NOUN
fsr-3778	318	8	.	.	PUNCT
fsr-3778	319	1	the	the	DET
fsr-3778	319	2	credit	credit	NOUN
fsr-3778	319	3	community	community	NOUN
fsr-3778	319	4	has	have	VERB
fsr-3778	319	5	to	to	PART
fsr-3778	319	6	be	be	AUX
fsr-3778	319	7	judicious	judicious	ADJ
fsr-3778	319	8	in	in	ADP
fsr-3778	319	9	the	the	DET
fsr-3778	319	10	use	use	NOUN
fsr-3778	319	11	of	of	ADP
fsr-3778	319	12	credit	credit	NOUN
fsr-3778	319	13	.	.	PUNCT
fsr-3778	320	1	consumers	consumer	NOUN
fsr-3778	320	2	have	have	VERB
fsr-3778	320	3	to	to	PART
fsr-3778	320	4	be	be	AUX
fsr-3778	320	5	judicious	judicious	ADJ
fsr-3778	320	6	in	in	ADP
fsr-3778	320	7	the	the	DET
fsr-3778	320	8	acceptance	acceptance	NOUN
fsr-3778	320	9	and	and	CCONJ
fsr-3778	320	10	use	use	NOUN
fsr-3778	320	11	of	of	ADP
fsr-3778	320	12	available	available	ADJ
fsr-3778	320	13	consumer	consumer	NOUN
fsr-3778	320	14	credit	credit	NOUN
fsr-3778	320	15	.	.	PUNCT
fsr-3778	321	1	educators	educator	NOUN
fsr-3778	321	2	and	and	CCONJ
fsr-3778	321	3	other	other	ADJ
fsr-3778	321	4	professionals	professional	NOUN
fsr-3778	321	5	who	who	PRON
fsr-3778	321	6	offer	offer	VERB
fsr-3778	321	7	advice	advice	NOUN
fsr-3778	321	8	,	,	PUNCT
fsr-3778	321	9	counseling	counseling	NOUN
fsr-3778	321	10	,	,	PUNCT
fsr-3778	321	11	and	and	CCONJ
fsr-3778	321	12	education	education	NOUN
fsr-3778	321	13	to	to	ADP
fsr-3778	321	14	consumers	consumer	NOUN
fsr-3778	321	15	can	can	AUX
fsr-3778	321	16	mediate	mediate	VERB
fsr-3778	321	17	in	in	ADP
fsr-3778	321	18	this	this	DET
fsr-3778	321	19	relationship	relationship	NOUN
fsr-3778	321	20	.	.	PUNCT
fsr-3778	322	1	consequently	consequently	ADV
fsr-3778	322	2	,	,	PUNCT
fsr-3778	322	3	this	this	DET
fsr-3778	322	4	paper	paper	NOUN
fsr-3778	322	5	has	have	VERB
fsr-3778	322	6	implications	implication	NOUN
fsr-3778	322	7	for	for	ADP
fsr-3778	322	8	all	all	DET
fsr-3778	322	9	these	these	DET
fsr-3778	322	10	parties	party	NOUN
fsr-3778	322	11	:	:	PUNCT
fsr-3778	322	12	for	for	ADP
fsr-3778	322	13	the	the	DET
fsr-3778	322	14	credit	credit	NOUN
fsr-3778	322	15	industry	industry	NOUN
fsr-3778	322	16	:	:	PUNCT
fsr-3778	322	17	l	l	NOUN
fsr-3778	322	18	consider	consider	VERB
fsr-3778	322	19	attitudinal	attitudinal	ADJ
fsr-3778	322	20	or	or	CCONJ
fsr-3778	322	21	other	other	ADJ
fsr-3778	322	22	life	life	NOUN
fsr-3778	322	23	-	-	PUNCT
fsr-3778	322	24	style	style	NOUN
fsr-3778	322	25	variables	variable	NOUN
fsr-3778	322	26	for	for	ADP
fsr-3778	322	27	inclusion	inclusion	NOUN
fsr-3778	322	28	in	in	ADP
fsr-3778	322	29	credit	credit	NOUN
fsr-3778	322	30	scoring	scoring	NOUN
fsr-3778	322	31	schemes	scheme	NOUN
fsr-3778	322	32	;	;	PUNCT
fsr-3778	322	33	l	l	NOUN
fsr-3778	322	34	realize	realize	VERB
fsr-3778	322	35	that	that	SCONJ
fsr-3778	322	36	while	while	SCONJ
fsr-3778	322	37	profit	profit	NOUN
fsr-3778	322	38	is	be	AUX
fsr-3778	322	39	necessary	necessary	ADJ
fsr-3778	322	40	to	to	PART
fsr-3778	322	41	sustain	sustain	VERB
fsr-3778	322	42	the	the	DET
fsr-3778	322	43	industry	industry	NOUN
fsr-3778	322	44	,	,	PUNCT
fsr-3778	322	45	the	the	DET
fsr-3778	322	46	need	need	NOUN
fsr-3778	322	47	exists	exist	VERB
fsr-3778	322	48	to	to	PART
fsr-3778	322	49	continually	continually	ADV
fsr-3778	322	50	improve	improve	VERB
fsr-3778	322	51	credit	credit	NOUN
fsr-3778	322	52	scoring	scoring	NOUN
fsr-3778	322	53	systems	system	NOUN
fsr-3778	322	54	but	but	CCONJ
fsr-3778	322	55	not	not	PART
fsr-3778	322	56	at	at	ADP
fsr-3778	322	57	the	the	DET
fsr-3778	322	58	expense	expense	NOUN
fsr-3778	322	59	of	of	ADP
fsr-3778	322	60	losing	lose	VERB
fsr-3778	322	61	consum	consum	ADJ
fsr-3778	322	62	ers	er	NOUN
fsr-3778	322	63	to	to	ADP
fsr-3778	322	64	the	the	DET
fsr-3778	322	65	bankruptcy	bankruptcy	NOUN
fsr-3778	322	66	process	process	NOUN
fsr-3778	322	67	;	;	PUNCT
fsr-3778	322	68	l	l	NOUN
fsr-3778	322	69	use	use	VERB
fsr-3778	322	70	predictive	predictive	ADJ
fsr-3778	322	71	ability	ability	NOUN
fsr-3778	322	72	to	to	PART
fsr-3778	322	73	identify	identify	VERB
fsr-3778	322	74	potential	potential	ADJ
fsr-3778	322	75	problems	problem	NOUN
fsr-3778	322	76	by	by	ADP
fsr-3778	322	77	monitoring	monitor	VERB
fsr-3778	322	78	accounts	account	NOUN
fsr-3778	322	79	and	and	CCONJ
fsr-3778	322	80	offering	offer	VERB
fsr-3778	322	81	trained	train	VERB
fsr-3778	322	82	professionals	professional	NOUN
fsr-3778	322	83	to	to	PART
fsr-3778	322	84	assist	assist	VERB
fsr-3778	322	85	consumers	consumer	NOUN
fsr-3778	322	86	to	to	PART
fsr-3778	322	87	adjust	adjust	VERB
fsr-3778	322	88	their	their	PRON
fsr-3778	322	89	spending	spending	NOUN
fsr-3778	322	90	patterns	pattern	NOUN
fsr-3778	322	91	;	;	PUNCT
fsr-3778	322	92	l	l	NOUN
fsr-3778	322	93	guard	guard	NOUN
fsr-3778	322	94	consumer	consumer	NOUN
fsr-3778	322	95	privacy	privacy	NOUN
fsr-3778	322	96	to	to	PART
fsr-3778	322	97	avoid	avoid	VERB
fsr-3778	322	98	abuse	abuse	NOUN
fsr-3778	322	99	of	of	ADP
fsr-3778	322	100	the	the	DET
fsr-3778	322	101	information	information	NOUN
fsr-3778	322	102	storage	storage	NOUN
fsr-3778	322	103	and	and	CCONJ
fsr-3778	322	104	retrieval	retrieval	NOUN
fsr-3778	322	105	possibilities	possibility	NOUN
fsr-3778	322	106	associated	associate	VERB
fsr-3778	322	107	with	with	ADP
fsr-3778	322	108	sophisticated	sophisticated	ADJ
fsr-3778	322	109	scoring	scoring	NOUN
fsr-3778	322	110	schemes	scheme	NOUN
fsr-3778	322	111	;	;	PUNCT
fsr-3778	322	112	and	and	CCONJ
fsr-3778	322	113	l	l	NOUN
fsr-3778	322	114	accept	accept	VERB
fsr-3778	322	115	responsibility	responsibility	NOUN
fsr-3778	322	116	for	for	ADP
fsr-3778	322	117	providing	provide	VERB
fsr-3778	322	118	credit	credit	NOUN
fsr-3778	322	119	information	information	NOUN
fsr-3778	322	120	and	and	CCONJ
fsr-3778	322	121	education	education	NOUN
fsr-3778	322	122	to	to	ADP
fsr-3778	322	123	the	the	DET
fsr-3778	322	124	public	public	NOUN
fsr-3778	322	125	.	.	PUNCT
fsr-3778	323	1	for	for	ADP
fsr-3778	323	2	consumers	consumer	NOUN
fsr-3778	323	3	:	:	PUNCT
fsr-3778	323	4	l	l	NOUN
fsr-3778	323	5	learn	learn	VERB
fsr-3778	323	6	to	to	PART
fsr-3778	323	7	monitor	monitor	VERB
fsr-3778	323	8	their	their	PRON
fsr-3778	323	9	financial	financial	ADJ
fsr-3778	323	10	situation	situation	NOUN
fsr-3778	323	11	and	and	CCONJ
fsr-3778	323	12	to	to	PART
fsr-3778	323	13	notify	notify	VERB
fsr-3778	323	14	creditors	creditor	NOUN
fsr-3778	323	15	when	when	SCONJ
fsr-3778	323	16	problems	problem	NOUN
fsr-3778	323	17	arise	arise	VERB
fsr-3778	323	18	,	,	PUNCT
fsr-3778	323	19	as	as	SCONJ
fsr-3778	323	20	opposed	oppose	VERB
fsr-3778	323	21	to	to	ADP
fsr-3778	323	22	the	the	DET
fsr-3778	323	23	common	common	ADJ
fsr-3778	323	24	practice	practice	NOUN
fsr-3778	323	25	of	of	ADP
fsr-3778	323	26	creditor	creditor	NOUN
fsr-3778	323	27	avoidance	avoidance	NOUN
fsr-3778	323	28	;	;	PUNCT
fsr-3778	323	29	household	household	NOUN
fsr-3778	323	30	insolvency	insolvency	NOUN
fsr-3778	323	31	:	:	PUNCT
fsr-3778	323	32	debt	debt	NOUN
fsr-3778	323	33	repayment	repayment	NOUN
fsr-3778	323	34	,	,	PUNCT
fsr-3778	323	35	delinquency	delinquency	NOUN
fsr-3778	323	36	,	,	PUNCT
fsr-3778	323	37	and	and	CCONJ
fsr-3778	323	38	bankruptcy	bankruptcy	NOUN
fsr-3778	323	39	153	153	NUM
fsr-3778	323	40	l	l	NOUN
fsr-3778	323	41	accept	accept	VERB
fsr-3778	323	42	responsibility	responsibility	NOUN
fsr-3778	323	43	to	to	PART
fsr-3778	323	44	prepare	prepare	VERB
fsr-3778	323	45	for	for	ADP
fsr-3778	323	46	the	the	DET
fsr-3778	323	47	unexpected	unexpected	ADJ
fsr-3778	323	48	by	by	ADP
fsr-3778	323	49	learning	learn	VERB
fsr-3778	323	50	and	and	CCONJ
fsr-3778	323	51	practicing	practice	VERB
fsr-3778	323	52	strategies	strategy	NOUN
fsr-3778	323	53	for	for	ADP
fsr-3778	323	54	efficient	efficient	ADJ
fsr-3778	323	55	money	money	NOUN
fsr-3778	323	56	management	management	NOUN
fsr-3778	323	57	such	such	ADJ
fsr-3778	323	58	as	as	ADP
fsr-3778	323	59	developing	develop	VERB
fsr-3778	323	60	an	an	DET
fsr-3778	323	61	emergency	emergency	NOUN
fsr-3778	323	62	fund	fund	NOUN
fsr-3778	323	63	,	,	PUNCT
fsr-3778	323	64	notifying	notify	VERB
fsr-3778	323	65	creditors	creditor	NOUN
fsr-3778	323	66	,	,	PUNCT
fsr-3778	323	67	and	and	CCONJ
fsr-3778	323	68	curbing	curb	VERB
fsr-3778	323	69	spending	spending	NOUN
fsr-3778	323	70	to	to	PART
fsr-3778	323	71	allow	allow	VERB
fsr-3778	323	72	for	for	ADP
fsr-3778	323	73	the	the	DET
fsr-3778	323	74	purchase	purchase	NOUN
fsr-3778	323	75	of	of	ADP
fsr-3778	323	76	insurance	insurance	NOUN
fsr-3778	323	77	,	,	PUNCT
fsr-3778	323	78	savings	saving	NOUN
fsr-3778	323	79	for	for	ADP
fsr-3778	323	80	emergencies	emergency	NOUN
fsr-3778	323	81	,	,	PUNCT
fsr-3778	323	82	and	and	CCONJ
fsr-3778	323	83	accomplishment	accomplishment	NOUN
fsr-3778	323	84	of	of	ADP
fsr-3778	323	85	other	other	ADJ
fsr-3778	323	86	goals	goal	NOUN
fsr-3778	323	87	;	;	PUNCT
fsr-3778	323	88	and	and	CCONJ
fsr-3778	323	89	l	l	NOUN
fsr-3778	323	90	recognize	recognize	VERB
fsr-3778	323	91	the	the	DET
fsr-3778	323	92	fundamental	fundamental	ADJ
fsr-3778	323	93	need	need	NOUN
fsr-3778	323	94	for	for	ADP
fsr-3778	323	95	planned	planned	ADJ
fsr-3778	323	96	spending	spending	NOUN
fsr-3778	323	97	and	and	CCONJ
fsr-3778	323	98	managed	manage	VERB
fsr-3778	323	99	cash	cash	NOUN
fsr-3778	323	100	flow	flow	NOUN
fsr-3778	323	101	.	.	PUNCT
fsr-3778	324	1	the	the	DET
fsr-3778	324	2	calculation	calculation	NOUN
fsr-3778	324	3	and	and	CCONJ
fsr-3778	324	4	tracking	tracking	NOUN
fsr-3778	324	5	of	of	ADP
fsr-3778	324	6	net	net	ADJ
fsr-3778	324	7	worth	worth	NOUN
fsr-3778	324	8	,	,	PUNCT
fsr-3778	324	9	income	income	NOUN
fsr-3778	324	10	,	,	PUNCT
fsr-3778	324	11	and	and	CCONJ
fsr-3778	324	12	expenses	expense	NOUN
fsr-3778	324	13	-	-	PUNCT
fsr-3778	324	14	and	and	CCONJ
fsr-3778	324	15	selected	select	VERB
fsr-3778	324	16	financial	financial	ADJ
fsr-3778	324	17	ratios	ratio	NOUN
fsr-3778	324	18	-	-	PUNCT
fsr-3778	324	19	provide	provide	VERB
fsr-3778	324	20	needed	need	VERB
fsr-3778	324	21	information	information	NOUN
fsr-3778	324	22	for	for	ADP
fsr-3778	324	23	monitoring	monitor	VERB
fsr-3778	324	24	the	the	DET
fsr-3778	324	25	individual	individual	ADJ
fsr-3778	324	26	consequences	consequence	NOUN
fsr-3778	324	27	of	of	ADP
fsr-3778	324	28	insolvency	insolvency	NOUN
fsr-3778	324	29	.	.	PUNCT
fsr-3778	325	1	for	for	ADP
fsr-3778	325	2	financial	financial	ADJ
fsr-3778	325	3	professionals	professional	NOUN
fsr-3778	325	4	/	/	SYM
fsr-3778	325	5	educators	educator	NOUN
fsr-3778	325	6	:	:	PUNCT
fsr-3778	325	7	l	l	NOUN
fsr-3778	325	8	recognize	recognize	VERB
fsr-3778	325	9	that	that	SCONJ
fsr-3778	325	10	financial	financial	ADJ
fsr-3778	325	11	stability	stability	NOUN
fsr-3778	325	12	may	may	AUX
fsr-3778	325	13	be	be	AUX
fsr-3778	325	14	short	short	ADV
fsr-3778	325	15	-	-	PUNCT
fsr-3778	325	16	lived	live	VERB
fsr-3778	325	17	(	(	PUNCT
fsr-3778	325	18	e.g	e.g	NOUN
fsr-3778	325	19	,	,	PUNCT
fsr-3778	325	20	decline	decline	NOUN
fsr-3778	325	21	in	in	ADP
fsr-3778	325	22	housing	housing	NOUN
fsr-3778	325	23	values	value	NOUN
fsr-3778	325	24	,	,	PUNCT
fsr-3778	325	25	downsizing	downsize	VERB
fsr-3778	325	26	of	of	ADP
fsr-3778	325	27	corporations	corporation	NOUN
fsr-3778	325	28	,	,	PUNCT
fsr-3778	325	29	etc	etc	X
fsr-3778	325	30	.	.	X
fsr-3778	325	31	)	)	PUNCT
fsr-3778	325	32	to	to	PART
fsr-3778	325	33	insure	insure	VERB
fsr-3778	325	34	that	that	SCONJ
fsr-3778	325	35	families	family	NOUN
fsr-3778	325	36	are	be	AUX
fsr-3778	325	37	prepared	prepare	VERB
fsr-3778	325	38	for	for	ADP
fsr-3778	325	39	contingen	contingen	PROPN
fsr-3778	325	40	cies	cie	NOUN
fsr-3778	325	41	through	through	ADP
fsr-3778	325	42	plans	plan	NOUN
fsr-3778	325	43	for	for	ADP
fsr-3778	325	44	risk	risk	NOUN
fsr-3778	325	45	management	management	NOUN
fsr-3778	325	46	and	and	CCONJ
fsr-3778	325	47	other	other	ADJ
fsr-3778	325	48	savings	saving	NOUN
fsr-3778	325	49	;	;	PUNCT
fsr-3778	325	50	and	and	CCONJ
fsr-3778	325	51	l	l	PROPN
fsr-3778	325	52	educate	educate	ADJ
fsr-3778	325	53	clients	client	NOUN
fsr-3778	325	54	,	,	PUNCT
fsr-3778	325	55	regardless	regardless	ADV
fsr-3778	325	56	of	of	ADP
fsr-3778	325	57	income	income	NOUN
fsr-3778	325	58	level	level	NOUN
fsr-3778	325	59	,	,	PUNCT
fsr-3778	325	60	about	about	ADP
fsr-3778	325	61	appropriate	appropriate	ADJ
fsr-3778	325	62	use	use	NOUN
fsr-3778	325	63	and	and	CCONJ
fsr-3778	325	64	abuse	abuse	NOUN
fsr-3778	325	65	of	of	ADP
fsr-3778	325	66	credit	credit	NOUN
fsr-3778	325	67	,	,	PUNCT
fsr-3778	325	68	in	in	ADP
fsr-3778	325	69	particular	particular	ADJ
fsr-3778	325	70	,	,	PUNCT
fsr-3778	325	71	the	the	DET
fsr-3778	325	72	use	use	NOUN
fsr-3778	325	73	of	of	ADP
fsr-3778	325	74	financial	financial	ADJ
fsr-3778	325	75	ratios	ratio	NOUN
fsr-3778	325	76	to	to	PART
fsr-3778	325	77	identify	identify	VERB
fsr-3778	325	78	potential	potential	ADJ
fsr-3778	325	79	problems	problem	NOUN
fsr-3778	325	80	.	.	PUNCT
fsr-3778	326	1	for	for	ADP
fsr-3778	326	2	educators	educator	NOUN
fsr-3778	326	3	/	/	SYM
fsr-3778	326	4	researchers	researcher	NOUN
fsr-3778	326	5	:	:	PUNCT
fsr-3778	326	6	l	l	NOUN
fsr-3778	326	7	develop	develop	VERB
fsr-3778	326	8	theory	theory	NOUN
fsr-3778	326	9	to	to	PART
fsr-3778	326	10	explain	explain	VERB
fsr-3778	326	11	the	the	DET
fsr-3778	326	12	body	body	NOUN
fsr-3778	326	13	of	of	ADP
fsr-3778	326	14	literature	literature	NOUN
fsr-3778	326	15	and	and	CCONJ
fsr-3778	326	16	research	research	NOUN
fsr-3778	326	17	on	on	ADP
fsr-3778	326	18	insolvency	insolvency	NOUN
fsr-3778	326	19	;	;	PUNCT
fsr-3778	326	20	l	l	NOUN
fsr-3778	326	21	include	include	VERB
fsr-3778	326	22	random	random	ADJ
fsr-3778	326	23	effects	effect	NOUN
fsr-3778	326	24	of	of	ADP
fsr-3778	326	25	unexpected	unexpected	ADJ
fsr-3778	326	26	events	event	NOUN
fsr-3778	326	27	and	and	CCONJ
fsr-3778	326	28	the	the	DET
fsr-3778	326	29	macroeconomic	macroeconomic	ADJ
fsr-3778	326	30	environment	environment	NOUN
fsr-3778	326	31	that	that	PRON
fsr-3778	326	32	is	be	AUX
fsr-3778	326	33	,	,	PUNCT
fsr-3778	326	34	the	the	DET
fsr-3778	326	35	error	error	NOUN
fsr-3778	326	36	term	term	NOUN
fsr-3778	326	37	in	in	ADP
fsr-3778	326	38	the	the	DET
fsr-3778	326	39	statistical	statistical	ADJ
fsr-3778	326	40	equation	equation	NOUN
fsr-3778	326	41	;	;	PUNCT
fsr-3778	326	42	l	l	NOUN
fsr-3778	326	43	work	work	NOUN
fsr-3778	326	44	with	with	ADP
fsr-3778	326	45	creditors	creditor	NOUN
fsr-3778	326	46	to	to	PART
fsr-3778	326	47	learn	learn	VERB
fsr-3778	326	48	what	what	PRON
fsr-3778	326	49	they	they	PRON
fsr-3778	326	50	are	be	AUX
fsr-3778	326	51	including	include	VERB
fsr-3778	326	52	in	in	ADP
fsr-3778	326	53	predictive	predictive	ADJ
fsr-3778	326	54	models	model	NOUN
fsr-3778	326	55	so	so	SCONJ
fsr-3778	326	56	that	that	SCONJ
fsr-3778	326	57	consumers	consumer	NOUN
fsr-3778	326	58	can	can	AUX
fsr-3778	326	59	be	be	AUX
fsr-3778	326	60	better	well	ADV
fsr-3778	326	61	informed	inform	VERB
fsr-3778	326	62	;	;	PUNCT
fsr-3778	326	63	l	l	NOUN
fsr-3778	326	64	collect	collect	NOUN
fsr-3778	326	65	data	datum	NOUN
fsr-3778	326	66	and	and	CCONJ
fsr-3778	326	67	use	use	VERB
fsr-3778	326	68	more	more	ADV
fsr-3778	326	69	sophisticated	sophisticated	ADJ
fsr-3778	326	70	statistical	statistical	ADJ
fsr-3778	326	71	procedures	procedure	NOUN
fsr-3778	326	72	to	to	PART
fsr-3778	326	73	support	support	VERB
fsr-3778	326	74	comprehen	comprehen	ADJ
fsr-3778	326	75	sive	sive	ADJ
fsr-3778	326	76	study	study	NOUN
fsr-3778	326	77	of	of	ADP
fsr-3778	326	78	factors	factor	NOUN
fsr-3778	326	79	contributing	contribute	VERB
fsr-3778	326	80	to	to	ADP
fsr-3778	326	81	insolvency	insolvency	NOUN
fsr-3778	326	82	;	;	PUNCT
fsr-3778	326	83	and	and	CCONJ
fsr-3778	326	84	l	l	NOUN
fsr-3778	326	85	continue	continue	VERB
fsr-3778	326	86	research	research	NOUN
fsr-3778	326	87	and	and	CCONJ
fsr-3778	326	88	development	development	NOUN
fsr-3778	326	89	on	on	ADP
fsr-3778	326	90	the	the	DET
fsr-3778	326	91	use	use	NOUN
fsr-3778	326	92	of	of	ADP
fsr-3778	326	93	financial	financial	ADJ
fsr-3778	326	94	ratios	ratio	NOUN
fsr-3778	326	95	to	to	PART
fsr-3778	326	96	guide	guide	VERB
fsr-3778	326	97	consumers	consumer	NOUN
fsr-3778	326	98	in	in	ADP
fsr-3778	326	99	assessing	assess	VERB
fsr-3778	326	100	their	their	PRON
fsr-3778	326	101	current	current	ADJ
fsr-3778	326	102	financial	financial	ADJ
fsr-3778	326	103	status	status	NOUN
fsr-3778	326	104	,	,	PUNCT
fsr-3778	326	105	in	in	ADP
fsr-3778	326	106	making	make	VERB
fsr-3778	326	107	comparisons	comparison	NOUN
fsr-3778	326	108	to	to	ADP
fsr-3778	326	109	past	past	ADJ
fsr-3778	326	110	records	record	NOUN
fsr-3778	326	111	and	and	CCONJ
fsr-3778	326	112	time	time	NOUN
fsr-3778	326	113	periods	period	NOUN
fsr-3778	326	114	,	,	PUNCT
fsr-3778	326	115	and	and	CCONJ
fsr-3778	326	116	in	in	ADP
fsr-3778	326	117	making	make	VERB
fsr-3778	326	118	decisions	decision	NOUN
fsr-3778	326	119	about	about	ADP
fsr-3778	326	120	the	the	DET
fsr-3778	326	121	use	use	NOUN
fsr-3778	326	122	of	of	ADP
fsr-3778	326	123	financial	financial	ADJ
fsr-3778	326	124	resources	resource	NOUN
fsr-3778	326	125	in	in	ADP
fsr-3778	326	126	the	the	DET
fsr-3778	326	127	future	future	NOUN
fsr-3778	326	128	.	.	PUNCT
fsr-3778	327	1	vi	vi	X
fsr-3778	327	2	.	.	PROPN
fsr-3778	327	3	conclusions	conclusion	NOUN
fsr-3778	327	4	in	in	ADP
fsr-3778	327	5	conclusion	conclusion	NOUN
fsr-3778	327	6	,	,	PUNCT
fsr-3778	327	7	the	the	DET
fsr-3778	327	8	nuances	nuance	NOUN
fsr-3778	327	9	of	of	ADP
fsr-3778	327	10	applying	apply	VERB
fsr-3778	327	11	and	and	CCONJ
fsr-3778	327	12	interpreting	interpret	VERB
fsr-3778	327	13	the	the	DET
fsr-3778	327	14	concept	concept	NOUN
fsr-3778	327	15	of	of	ADP
fsr-3778	327	16	insolvency	insolvency	NOUN
fsr-3778	327	17	in	in	ADP
fsr-3778	327	18	a	a	DET
fsr-3778	327	19	household	household	NOUN
fsr-3778	327	20	financial	financial	ADJ
fsr-3778	327	21	domain	domain	NOUN
fsr-3778	327	22	is	be	AUX
fsr-3778	327	23	complex	complex	ADJ
fsr-3778	327	24	and	and	CCONJ
fsr-3778	327	25	multidimensional	multidimensional	ADJ
fsr-3778	327	26	.	.	PUNCT
fsr-3778	328	1	what	what	PRON
fsr-3778	328	2	is	be	AUX
fsr-3778	328	3	unclear	unclear	ADJ
fsr-3778	328	4	is	be	AUX
fsr-3778	328	5	the	the	DET
fsr-3778	328	6	relationship	relationship	NOUN
fsr-3778	328	7	between	between	ADP
fsr-3778	328	8	the	the	DET
fsr-3778	328	9	manifest	manif	ADJ
fsr-3778	328	10	and	and	CCONJ
fsr-3778	328	11	latent	latent	ADJ
fsr-3778	328	12	characteristics	characteristic	NOUN
fsr-3778	328	13	that	that	PRON
fsr-3778	328	14	contribute	contribute	VERB
fsr-3778	328	15	to	to	ADP
fsr-3778	328	16	the	the	DET
fsr-3778	328	17	onset	onset	NOUN
fsr-3778	328	18	,	,	PUNCT
fsr-3778	328	19	and	and	CCONJ
fsr-3778	328	20	severity	severity	NOUN
fsr-3778	328	21	,	,	PUNCT
fsr-3778	328	22	of	of	ADP
fsr-3778	328	23	insolvency	insolvency	NOUN
fsr-3778	328	24	.	.	PUNCT
fsr-3778	329	1	the	the	DET
fsr-3778	329	2	randomness	randomness	NOUN
fsr-3778	329	3	of	of	ADP
fsr-3778	329	4	life	life	NOUN
fsr-3778	329	5	events	event	NOUN
fsr-3778	329	6	,	,	PUNCT
fsr-3778	329	7	which	which	PRON
fsr-3778	329	8	can	can	AUX
fsr-3778	329	9	represent	represent	VERB
fsr-3778	329	10	either	either	CCONJ
fsr-3778	329	11	latent	latent	NOUN
fsr-3778	329	12	or	or	CCONJ
fsr-3778	329	13	manifest	manifest	ADJ
fsr-3778	329	14	effects	effect	NOUN
fsr-3778	329	15	,	,	PUNCT
fsr-3778	329	16	can	can	AUX
fsr-3778	329	17	never	never	ADV
fsr-3778	329	18	be	be	AUX
fsr-3778	329	19	predicted	predict	VERB
fsr-3778	329	20	or	or	CCONJ
fsr-3778	329	21	controlled	control	VERB
fsr-3778	329	22	for	for	ADP
fsr-3778	329	23	.	.	PUNCT
fsr-3778	330	1	according	accord	VERB
fsr-3778	330	2	to	to	ADP
fsr-3778	330	3	one	one	NUM
fsr-3778	330	4	author	author	NOUN
fsr-3778	330	5	,	,	PUNCT
fsr-3778	330	6	some	some	DET
fsr-3778	330	7	creditor	creditor	NOUN
fsr-3778	330	8	grantors	grantor	NOUN
fsr-3778	330	9	consider	consider	VERB
fsr-3778	330	10	the	the	DET
fsr-3778	330	11	life	life	NOUN
fsr-3778	330	12	of	of	ADP
fsr-3778	330	13	the	the	DET
fsr-3778	330	14	credit	credit	NOUN
fsr-3778	330	15	obligation	obligation	NOUN
fsr-3778	330	16	as	as	ADP
fsr-3778	330	17	a	a	DET
fsr-3778	330	18	proxy	proxy	NOUN
fsr-3778	330	19	for	for	ADP
fsr-3778	330	20	these	these	DET
fsr-3778	330	21	unforeseen	unforeseen	ADJ
fsr-3778	330	22	life	life	NOUN
fsr-3778	330	23	events	event	NOUN
fsr-3778	330	24	(	(	PUNCT
fsr-3778	330	25	wagner	wagner	PROPN
fsr-3778	330	26	,	,	PUNCT
fsr-3778	330	27	reichert	reichert	PROPN
fsr-3778	330	28	,	,	PUNCT
fsr-3778	330	29	&	&	CCONJ
fsr-3778	330	30	cho	cho	PROPN
fsr-3778	330	31	,	,	PUNCT
fsr-3778	330	32	1983	1983	NUM
fsr-3778	330	33	)	)	PUNCT
fsr-3778	330	34	.	.	PUNCT
fsr-3778	331	1	another	another	DET
fsr-3778	331	2	author	author	NOUN
fsr-3778	331	3	acknowledges	acknowledge	VERB
fsr-3778	331	4	that	that	SCONJ
fsr-3778	331	5	the	the	DET
fsr-3778	331	6	combination	combination	NOUN
fsr-3778	331	7	of	of	ADP
fsr-3778	331	8	macroeconomic	macroeconomic	ADJ
fsr-3778	331	9	factors	factor	NOUN
fsr-3778	331	10	and	and	CCONJ
fsr-3778	331	11	the	the	DET
fsr-3778	331	12	increasingly	increasingly	ADV
fsr-3778	331	13	precarious	precarious	ADJ
fsr-3778	331	14	nature	nature	NOUN
fsr-3778	331	15	of	of	ADP
fsr-3778	331	16	the	the	DET
fsr-3778	331	17	microeconomic	microeconomic	ADJ
fsr-3778	331	18	environment	environment	NOUN
fsr-3778	331	19	of	of	ADP
fsr-3778	331	20	too	too	ADV
fsr-3778	331	21	many	many	ADJ
fsr-3778	331	22	households	household	NOUN
fsr-3778	331	23	have	have	AUX
fsr-3778	331	24	increased	increase	VERB
fsr-3778	331	25	the	the	DET
fsr-3778	331	26	complexity	complexity	NOUN
fsr-3778	331	27	of	of	ADP
fsr-3778	331	28	bankruptcy	bankruptcy	NOUN
fsr-3778	331	29	and	and	CCONJ
fsr-3778	331	30	chargeoff	chargeoff	NOUN
fsr-3778	331	31	prediction	prediction	NOUN
fsr-3778	331	32	(	(	PUNCT
fsr-3778	331	33	“	"	PUNCT
fsr-3778	331	34	who	who	PRON
fsr-3778	331	35	will	will	AUX
fsr-3778	331	36	go	go	VERB
fsr-3778	331	37	bankrupt	bankrupt	ADJ
fsr-3778	331	38	‘	'	PUNCT
fsr-3778	331	39	7	7	NUM
fsr-3778	331	40	”	"	PUNCT
fsr-3778	331	41	1992	1992	NUM
fsr-3778	331	42	)	)	PUNCT
fsr-3778	331	43	.	.	PUNCT
fsr-3778	332	1	but	but	CCONJ
fsr-3778	332	2	both	both	DET
fsr-3778	332	3	creditors	creditor	NOUN
fsr-3778	332	4	and	and	CCONJ
fsr-3778	332	5	consumers	consumer	NOUN
fsr-3778	332	6	can	can	AUX
fsr-3778	332	7	reduce	reduce	VERB
fsr-3778	332	8	the	the	DET
fsr-3778	332	9	impact	impact	NOUN
fsr-3778	332	10	of	of	ADP
fsr-3778	332	11	the	the	DET
fsr-3778	332	12	“	"	PUNCT
fsr-3778	332	13	random	random	ADJ
fsr-3778	332	14	error	error	NOUN
fsr-3778	332	15	.	.	PUNCT
fsr-3778	332	16	”	"	PUNCT
fsr-3778	333	1	consumers	consumer	NOUN
fsr-3778	333	2	can	can	AUX
fsr-3778	333	3	monitor	monitor	VERB
fsr-3778	333	4	spending	spending	NOUN
fsr-3778	333	5	and	and	CCONJ
fsr-3778	333	6	attempt	attempt	VERB
fsr-3778	333	7	to	to	PART
fsr-3778	333	8	prepare	prepare	VERB
fsr-3778	333	9	for	for	ADP
fsr-3778	333	10	contingencies	contingency	NOUN
fsr-3778	333	11	,	,	PUNCT
fsr-3778	333	12	while	while	SCONJ
fsr-3778	333	13	creditors	creditor	NOUN
fsr-3778	333	14	can	can	AUX
fsr-3778	333	15	use	use	VERB
fsr-3778	333	16	their	their	PRON
fsr-3778	333	17	tools	tool	NOUN
fsr-3778	333	18	to	to	PART
fsr-3778	333	19	monitor	monitor	VERB
fsr-3778	333	20	and	and	CCONJ
fsr-3778	333	21	help	help	VERB
fsr-3778	333	22	consumers	consumer	NOUN
fsr-3778	333	23	avoid	avoid	VERB
fsr-3778	333	24	overextension	overextension	NOUN
fsr-3778	333	25	.	.	PUNCT
fsr-3778	334	1	although	although	SCONJ
fsr-3778	334	2	issues	issue	NOUN
fsr-3778	334	3	of	of	ADP
fsr-3778	334	4	privacy	privacy	NOUN
fsr-3778	334	5	and	and	CCONJ
fsr-3778	334	6	fairness	fairness	NOUN
fsr-3778	334	7	are	be	AUX
fsr-3778	334	8	paramount	paramount	ADJ
fsr-3778	334	9	,	,	PUNCT
fsr-3778	334	10	the	the	DET
fsr-3778	334	11	154	154	NUM
fsr-3778	334	12	financial	financial	ADJ
fsr-3778	334	13	services	service	NOUN
fsr-3778	334	14	review	review	NOUN
fsr-3778	334	15	4(2	4(2	NUM
fsr-3778	334	16	)	)	PUNCT
fsr-3778	334	17	1995	1995	NUM
fsr-3778	334	18	benefits	benefit	NOUN
fsr-3778	334	19	of	of	ADP
fsr-3778	334	20	remedial	remedial	ADJ
fsr-3778	334	21	,	,	PUNCT
fsr-3778	334	22	not	not	PART
fsr-3778	334	23	punitive	punitive	ADJ
fsr-3778	334	24	,	,	PUNCT
fsr-3778	334	25	interventions	intervention	NOUN
fsr-3778	334	26	which	which	PRON
fsr-3778	334	27	reduce	reduce	VERB
fsr-3778	334	28	the	the	DET
fsr-3778	334	29	incidence	incidence	NOUN
fsr-3778	334	30	of	of	ADP
fsr-3778	334	31	insolvency	insolvency	NOUN
fsr-3778	334	32	should	should	AUX
fsr-3778	334	33	not	not	PART
fsr-3778	334	34	be	be	AUX
fsr-3778	334	35	discounted	discount	VERB
fsr-3778	334	36	.	.	PUNCT
fsr-3778	335	1	learning	learn	VERB
fsr-3778	335	2	more	more	ADJ
fsr-3778	335	3	about	about	ADP
fsr-3778	335	4	insolvency	insolvency	NOUN
fsr-3778	335	5	is	be	AUX
fsr-3778	335	6	equally	equally	ADV
fsr-3778	335	7	important	important	ADJ
fsr-3778	335	8	to	to	ADP
fsr-3778	335	9	the	the	DET
fsr-3778	335	10	credit	credit	NOUN
fsr-3778	335	11	community	community	NOUN
fsr-3778	335	12	,	,	PUNCT
fsr-3778	335	13	consum	consum	ADJ
fsr-3778	335	14	ers	er	NOUN
fsr-3778	335	15	,	,	PUNCT
fsr-3778	335	16	and	and	CCONJ
fsr-3778	335	17	professionals	professional	NOUN
fsr-3778	335	18	who	who	PRON
fsr-3778	335	19	serve	serve	VERB
fsr-3778	335	20	consumers	consumer	NOUN
fsr-3778	335	21	.	.	PUNCT
fsr-3778	336	1	continued	continue	VERB
fsr-3778	336	2	theory	theory	NOUN
fsr-3778	336	3	development	development	NOUN
fsr-3778	336	4	and	and	CCONJ
fsr-3778	336	5	research	research	NOUN
fsr-3778	336	6	,	,	PUNCT
fsr-3778	336	7	both	both	CCONJ
fsr-3778	336	8	public	public	ADJ
fsr-3778	336	9	and	and	CCONJ
fsr-3778	336	10	proprietary	proprietary	ADJ
fsr-3778	336	11	,	,	PUNCT
fsr-3778	336	12	offers	offer	VERB
fsr-3778	336	13	avenues	avenue	NOUN
fsr-3778	336	14	for	for	ADP
fsr-3778	336	15	protecting	protect	VERB
fsr-3778	336	16	all	all	DET
fsr-3778	336	17	parties	party	NOUN
fsr-3778	336	18	,	,	PUNCT
fsr-3778	336	19	including	include	VERB
fsr-3778	336	20	the	the	DET
fsr-3778	336	21	larger	large	ADJ
fsr-3778	336	22	economy	economy	NOUN
fsr-3778	336	23	.	.	PUNCT
fsr-3778	337	1	but	but	CCONJ
fsr-3778	337	2	,	,	PUNCT
fsr-3778	337	3	judiciousness	judiciousness	NOUN
fsr-3778	337	4	on	on	ADP
fsr-3778	337	5	the	the	DET
fsr-3778	337	6	part	part	NOUN
fsr-3778	337	7	of	of	ADP
fsr-3778	337	8	creditors	creditor	NOUN
fsr-3778	337	9	and	and	CCONJ
fsr-3778	337	10	debtors	debtor	NOUN
fsr-3778	337	11	is	be	AUX
fsr-3778	337	12	critical	critical	ADJ
fsr-3778	337	13	to	to	ADP
fsr-3778	337	14	the	the	DET
fsr-3778	337	15	continued	continued	ADJ
fsr-3778	337	16	success	success	NOUN
fsr-3778	337	17	of	of	ADP
fsr-3778	337	18	the	the	DET
fsr-3778	337	19	relationship	relationship	NOUN
fsr-3778	337	20	.	.	PUNCT
fsr-3778	338	1	insolvency	insolvency	NOUN
fsr-3778	338	2	,	,	PUNCT
fsr-3778	338	3	in	in	ADP
fsr-3778	338	4	the	the	DET
fsr-3778	338	5	equity	equity	NOUN
fsr-3778	338	6	sense	sense	NOUN
fsr-3778	338	7	of	of	ADP
fsr-3778	338	8	failing	fail	VERB
fsr-3778	338	9	to	to	PART
fsr-3778	338	10	repay	repay	VERB
fsr-3778	338	11	debts	debt	NOUN
fsr-3778	338	12	in	in	ADP
fsr-3778	338	13	a	a	DET
fsr-3778	338	14	timely	timely	ADJ
fsr-3778	338	15	manner	manner	NOUN
fsr-3778	338	16	,	,	PUNCT
fsr-3778	338	17	represents	represent	VERB
fsr-3778	338	18	a	a	DET
fsr-3778	338	19	deterioration	deterioration	NOUN
fsr-3778	338	20	of	of	ADP
fsr-3778	338	21	the	the	DET
fsr-3778	338	22	relationship	relationship	NOUN
fsr-3778	338	23	.	.	PUNCT
fsr-3778	339	1	in	in	ADP
fsr-3778	339	2	the	the	DET
fsr-3778	339	3	bankruptcy	bankruptcy	NOUN
fsr-3778	339	4	sense	sense	NOUN
fsr-3778	339	5	,	,	PUNCT
fsr-3778	339	6	insolvency	insolvency	NOUN
fsr-3778	339	7	represents	represent	VERB
fsr-3778	339	8	the	the	DET
fsr-3778	339	9	failure	failure	NOUN
fsr-3778	339	10	of	of	ADP
fsr-3778	339	11	this	this	DET
fsr-3778	339	12	relationship	relationship	NOUN
fsr-3778	339	13	.	.	PUNCT
fsr-3778	340	1	references	reference	NOUN
fsr-3778	340	2	altman	altman	PROPN
fsr-3778	340	3	,	,	PUNCT
fsr-3778	340	4	e.i	e.i	PROPN
fsr-3778	340	5	.	.	PROPN
fsr-3778	340	6	(	(	PUNCT
fsr-3778	340	7	1968	1968	NUM
fsr-3778	340	8	)	)	PUNCT
fsr-3778	340	9	.	.	PUNCT
fsr-3778	341	1	financial	financial	ADJ
fsr-3778	341	2	ratios	ratio	NOUN
fsr-3778	341	3	,	,	PUNCT
fsr-3778	341	4	discriminant	discriminant	ADJ
fsr-3778	341	5	analysis	analysis	NOUN
fsr-3778	341	6	,	,	PUNCT
fsr-3778	341	7	and	and	CCONJ
fsr-3778	341	8	the	the	DET
fsr-3778	341	9	prediction	prediction	NOUN
fsr-3778	341	10	of	of	ADP
fsr-3778	341	11	corporate	corporate	ADJ
fsr-3778	341	12	bankruptcy	bankruptcy	NOUN
fsr-3778	341	13	.	.	PUNCT
fsr-3778	342	1	the	the	DET
fsr-3778	342	2	journal	journal	PROPN
fsr-3778	342	3	of	of	ADP
fsr-3778	342	4	finance	finance	NOUN
fsr-3778	342	5	,	,	PUNCT
fsr-3778	342	6	23(4	23(4	NOUN
fsr-3778	342	7	)	)	PUNCT
fsr-3778	342	8	,	,	PUNCT
fsr-3778	342	9	589	589	NUM
fsr-3778	342	10	-	-	SYM
fsr-3778	342	11	609	609	NUM
fsr-3778	342	12	.	.	PUNCT
fsr-3778	343	1	altman	altman	PROPN
fsr-3778	343	2	,	,	PUNCT
fsr-3778	343	3	e.i	e.i	PROPN
fsr-3778	343	4	.	.	PROPN
fsr-3778	343	5	(	(	PUNCT
fsr-3778	343	6	1971	1971	NUM
fsr-3778	343	7	)	)	PUNCT
fsr-3778	343	8	.	.	PUNCT
fsr-3778	344	1	corporate	corporate	ADJ
fsr-3778	344	2	bankruptcy	bankruptcy	NOUN
fsr-3778	344	3	in	in	ADP
fsr-3778	344	4	america	america	PROPN
fsr-3778	344	5	,	,	PUNCT
fsr-3778	344	6	lexington	lexington	PROPN
fsr-3778	344	7	,	,	PUNCT
fsr-3778	344	8	ma	ma	PROPN
fsr-3778	344	9	:	:	PUNCT
fsr-3778	344	10	heath	heath	PROPN
fsr-3778	344	11	lexington	lexington	PROPN
fsr-3778	344	12	books	book	NOUN
fsr-3778	344	13	.	.	PUNCT
fsr-3778	345	1	apilado	apilado	PROPN
fsr-3778	345	2	,	,	PUNCT
fsr-3778	345	3	v.p	v.p	PROPN
fsr-3778	345	4	.	.	PROPN
fsr-3778	345	5	,	,	PUNCT
fsr-3778	345	6	warner	warner	PROPN
fsr-3778	345	7	,	,	PUNCT
fsr-3778	345	8	d.c	d.c	PROPN
fsr-3778	345	9	..	..	PROPN
fsr-3778	345	10	&	&	CCONJ
fsr-3778	345	11	dauten	dauten	PROPN
fsr-3778	345	12	,	,	PUNCT
fsr-3778	345	13	j.j	j.j	PROPN
fsr-3778	345	14	.	.	PROPN
fsr-3778	345	15	(	(	PUNCT
fsr-3778	345	16	1974	1974	NUM
fsr-3778	345	17	)	)	PUNCT
fsr-3778	345	18	.	.	PUNCT
fsr-3778	346	1	evaluative	evaluative	ADJ
fsr-3778	346	2	techniques	technique	NOUN
fsr-3778	346	3	in	in	ADP
fsr-3778	346	4	consumer	consumer	NOUN
fsr-3778	346	5	finance	finance	NOUN
fsr-3778	346	6	-	-	PUNCT
fsr-3778	346	7	ex	ex	NOUN
fsr-3778	346	8	perimental	perimental	NOUN
fsr-3778	346	9	results	result	NOUN
fsr-3778	346	10	and	and	CCONJ
fsr-3778	346	11	policy	policy	NOUN
fsr-3778	346	12	implications	implication	NOUN
fsr-3778	346	13	for	for	ADP
fsr-3778	346	14	financial	financial	ADJ
fsr-3778	346	15	instimtions	instimtion	NOUN
fsr-3778	346	16	.	.	PUNCT
fsr-3778	347	1	jour	jour	X
fsr-3778	348	1	~	~	PUNCT
fsr-3778	348	2	ai	ai	NOUN
fsr-3778	348	3	of	of	ADP
fsr-3778	348	4	financial	financial	ADJ
fsr-3778	348	5	and	and	CCONJ
fsr-3778	348	6	quantitative	quantitative	ADJ
fsr-3778	348	7	analysis	analysis	NOUN
fsr-3778	348	8	,	,	PUNCT
fsr-3778	348	9	(	(	PUNCT
fsr-3778	348	10	march	march	PROPN
fsr-3778	348	11	)	)	PUNCT
fsr-3778	348	12	,	,	PUNCT
fsr-3778	348	13	275	275	NUM
fsr-3778	348	14	-	-	SYM
fsr-3778	348	15	283	283	NUM
fsr-3778	348	16	.	.	PUNCT
fsr-3778	349	1	avery	avery	PROPN
fsr-3778	349	2	,	,	PUNCT
fsr-3778	349	3	r.b	r.b	PROPN
fsr-3778	349	4	.	.	PROPN
fsr-3778	349	5	,	,	PUNCT
fsr-3778	349	6	elliehausen	elliehausen	PROPN
fsr-3778	349	7	,	,	PUNCT
fsr-3778	349	8	ge	ge	PROPN
fsr-3778	349	9	.	.	PROPN
fsr-3778	349	10	,	,	PUNCT
fsr-3778	349	11	&	&	CCONJ
fsr-3778	349	12	kennickell	kennickell	PROPN
fsr-3778	349	13	,	,	PUNCT
fsr-3778	349	14	a.b	a.b	PROPN
fsr-3778	349	15	.	.	PROPN
fsr-3778	349	16	(	(	PUNCT
fsr-3778	349	17	1987	1987	NUM
fsr-3778	349	18	)	)	PUNCT
fsr-3778	349	19	.	.	PUNCT
fsr-3778	350	1	changes	change	NOUN
fsr-3778	350	2	in	in	ADP
fsr-3778	350	3	consumer	consumer	NOUN
fsr-3778	350	4	installment	installment	NOUN
fsr-3778	350	5	debt	debt	NOUN
fsr-3778	350	6	:	:	PUNCT
fsr-3778	350	7	evidence	evidence	NOUN
fsr-3778	350	8	from	from	ADP
fsr-3778	350	9	the	the	DET
fsr-3778	350	10	1983	1983	NUM
fsr-3778	350	11	and	and	CCONJ
fsr-3778	350	12	1986	1986	NUM
fsr-3778	350	13	surveys	survey	NOUN
fsr-3778	350	14	of	of	ADP
fsr-3778	350	15	consumer	consumer	NOUN
fsr-3778	350	16	finances	finance	NOUN
fsr-3778	350	17	.	.	PUNCT
fsr-3778	351	1	federal	federal	PROPN
fsr-3778	351	2	reserve	reserve	PROPN
fsr-3778	351	3	bulletin	bulletin	PROPN
fsr-3778	351	4	,	,	PUNCT
fsr-3778	351	5	73(10	73(10	NOUN
fsr-3778	351	6	)	)	PUNCT
fsr-3778	351	7	,	,	PUNCT
fsr-3778	351	8	761	761	NUM
fsr-3778	351	9	-	-	SYM
fsr-3778	351	10	778	778	NUM
fsr-3778	351	11	.	.	PUNCT
fsr-3778	352	1	bankruptcy	bankruptcy	NOUN
fsr-3778	352	2	reform	reform	NOUN
fsr-3778	352	3	:	:	PUNCT
fsr-3778	352	4	truth	truth	NOUN
fsr-3778	352	5	or	or	CCONJ
fsr-3778	352	6	consequences	consequence	NOUN
fsr-3778	352	7	.	.	PUNCT
fsr-3778	353	1	f	f	PROPN
fsr-3778	353	2	1995	1995	NUM
fsr-3778	353	3	,	,	PUNCT
fsr-3778	353	4	spring	spring	NOUN
fsr-3778	353	5	)	)	PUNCT
fsr-3778	353	6	.	.	PUNCT
fsr-3778	354	1	everybody	everybody	PRON
fsr-3778	354	2	’s	’	VERB
fsr-3778	354	3	money	money	NOUN
fsr-3778	354	4	,	,	PUNCT
fsr-3778	354	5	3#(4	3#(4	NUM
fsr-3778	354	6	)	)	PUNCT
fsr-3778	354	7	,	,	PUNCT
fsr-3778	354	8	19	19	NUM
fsr-3778	354	9	-	-	SYM
fsr-3778	354	10	21	21	NUM
fsr-3778	354	11	.	.	PUNCT
fsr-3778	355	1	becker	becker	PROPN
fsr-3778	355	2	,	,	PUNCT
fsr-3778	355	3	n.d	n.d	PROPN
fsr-3778	355	4	.	.	PROPN
fsr-3778	355	5	(	(	PUNCT
fsr-3778	355	6	1992	1992	NUM
fsr-3778	355	7	)	)	PUNCT
fsr-3778	355	8	.	.	PUNCT
fsr-3778	356	1	becker	becker	PROPN
fsr-3778	356	2	cpa	cpa	PROPN
fsr-3778	356	3	review	review	PROPN
fsr-3778	356	4	course	course	NOUN
fsr-3778	356	5	,	,	PUNCT
fsr-3778	356	6	lecture	lecture	VERB
fsr-3778	356	7	7	7	NUM
fsr-3778	356	8	.	.	PUNCT
fsr-3778	357	1	ventura	ventura	PROPN
fsr-3778	357	2	,	,	PUNCT
fsr-3778	357	3	ca	ca	PROPN
fsr-3778	357	4	:	:	PUNCT
fsr-3778	357	5	becker	becker	PROPN
fsr-3778	357	6	.	.	PUNCT
fsr-3778	357	7	bhandari	bhandari	PROPN
fsr-3778	357	8	,	,	PUNCT
fsr-3778	357	9	j.s	j.s	PROPN
fsr-3778	357	10	.	.	PROPN
fsr-3778	357	11	,	,	PUNCT
fsr-3778	357	12	&	&	CCONJ
fsr-3778	357	13	weiss	weiss	PROPN
fsr-3778	357	14	,	,	PUNCT
fsr-3778	357	15	l.a	l.a	PROPN
fsr-3778	357	16	.	.	PROPN
fsr-3778	357	17	(	(	PUNCT
fsr-3778	357	18	1993	1993	NUM
fsr-3778	357	19	)	)	PUNCT
fsr-3778	357	20	.	.	PUNCT
fsr-3778	358	1	the	the	DET
fsr-3778	358	2	increasing	increase	VERB
fsr-3778	358	3	bankruptcy	bankruptcy	NOUN
fsr-3778	358	4	filing	filing	NOUN
fsr-3778	358	5	rate	rate	NOUN
fsr-3778	358	6	:	:	PUNCT
fsr-3778	358	7	an	an	DET
fsr-3778	358	8	historical	historical	ADJ
fsr-3778	358	9	analysis	analysis	NOUN
fsr-3778	358	10	.	.	PUNCT
fsr-3778	359	1	the	the	DET
fsr-3778	359	2	american	american	ADJ
fsr-3778	359	3	bankruptcy	bankruptcy	PROPN
fsr-3778	359	4	law	law	PROPN
fsr-3778	359	5	journal	journal	NOUN
fsr-3778	359	6	,	,	PUNCT
fsr-3778	359	7	67(winter	67(winter	NUM
fsr-3778	359	8	)	)	PUNCT
fsr-3778	359	9	,	,	PUNCT
fsr-3778	359	10	l-15	l-15	PROPN
fsr-3778	359	11	.	.	PUNCT
fsr-3778	359	12	boyes	boyes	PROPN
fsr-3778	359	13	,	,	PUNCT
fsr-3778	359	14	w.j	w.j	PROPN
fsr-3778	359	15	.	.	PROPN
fsr-3778	359	16	,	,	PUNCT
fsr-3778	359	17	hoffman	hoffman	PROPN
fsr-3778	359	18	,	,	PUNCT
fsr-3778	359	19	d.l	d.l	PROPN
fsr-3778	359	20	.	.	PROPN
fsr-3778	359	21	,	,	PUNCT
fsr-3778	359	22	&	&	CCONJ
fsr-3778	359	23	low	low	PROPN
fsr-3778	359	24	,	,	PUNCT
fsr-3778	359	25	s.a	s.a	PROPN
fsr-3778	359	26	.	.	PROPN
fsr-3778	359	27	(	(	PUNCT
fsr-3778	359	28	1989	1989	NUM
fsr-3778	359	29	)	)	PUNCT
fsr-3778	359	30	.	.	PUNCT
fsr-3778	360	1	an	an	DET
fsr-3778	360	2	econometric	econometric	ADJ
fsr-3778	360	3	analysis	analysis	NOUN
fsr-3778	360	4	of	of	ADP
fsr-3778	360	5	the	the	DET
fsr-3778	360	6	bank	bank	NOUN
fsr-3778	360	7	credit	credit	NOUN
fsr-3778	360	8	scoring	scoring	NOUN
fsr-3778	360	9	problem	problem	NOUN
fsr-3778	360	10	.	.	PUNCT
fsr-3778	361	1	journal	journal	NOUN
fsr-3778	361	2	of	of	ADP
fsr-3778	361	3	econometrics	econometric	NOUN
fsr-3778	361	4	,	,	PUNCT
fsr-3778	361	5	40,3	40,3	PROPN
fsr-3778	361	6	-	-	SYM
fsr-3778	361	7	14	14	NUM
fsr-3778	361	8	.	.	PUNCT
fsr-3778	362	1	brandt	brandt	PROPN
fsr-3778	362	2	,	,	PUNCT
fsr-3778	362	3	l.	l.	PROPN
fsr-3778	362	4	,	,	PUNCT
fsr-3778	362	5	danos	danos	PROPN
fsr-3778	362	6	,	,	PUNCT
fsr-3778	362	7	j.r	j.r	PROPN
fsr-3778	362	8	.	.	PROPN
fsr-3778	362	9	,	,	PUNCT
fsr-3778	362	10	&	&	CCONJ
fsr-3778	362	11	brasseaux	brasseaux	PROPN
fsr-3778	362	12	,	,	PUNCT
fsr-3778	362	13	j.h	j.h	PROPN
fsr-3778	362	14	.	.	PROPN
fsr-3778	362	15	(	(	PUNCT
fsr-3778	362	16	1989	1989	NUM
fsr-3778	362	17	)	)	PUNCT
fsr-3778	362	18	.	.	PUNCT
fsr-3778	363	1	financial	financial	ADJ
fsr-3778	363	2	statement	statement	NOUN
fsr-3778	363	3	analysis	analysis	NOUN
fsr-3778	363	4	:	:	PUNCT
fsr-3778	363	5	benefits	benefit	NOUN
fsr-3778	363	6	and	and	CCONJ
fsr-3778	363	7	pitfalls	pitfall	NOUN
fsr-3778	363	8	.	.	PUNCT
fsr-3778	364	1	the	the	DET
fsr-3778	364	2	practical	practical	ADJ
fsr-3778	364	3	accourt	accourt	PROPN
fsr-3778	364	4	~	~	SYM
fsr-3778	364	5	t	t	PROPN
fsr-3778	364	6	,	,	PUNCT
fsr-3778	364	7	22(s	22(s	NUM
fsr-3778	364	8	)	)	PUNCT
fsr-3778	364	9	,	,	PUNCT
fsr-3778	364	10	48	48	NUM
fsr-3778	364	11	-	-	SYM
fsr-3778	364	12	70	70	NUM
fsr-3778	364	13	.	.	PUNCT
fsr-3778	365	1	byrne	byrne	PROPN
fsr-3778	365	2	,	,	PUNCT
fsr-3778	365	3	p.m.	p.m.	NOUN
fsr-3778	365	4	(	(	PUNCT
fsr-3778	365	5	1992	1992	NUM
fsr-3778	365	6	)	)	PUNCT
fsr-3778	365	7	.	.	PUNCT
fsr-3778	366	1	select	select	VERB
fsr-3778	366	2	financially	financially	ADV
fsr-3778	366	3	healthy	healthy	ADJ
fsr-3778	366	4	suppliers	supplier	NOUN
fsr-3778	366	5	.	.	PUNCT
fsr-3778	367	1	transportation	transportation	NOUN
fsr-3778	367	2	and	and	CCONJ
fsr-3778	367	3	distribution	distribution	NOUN
fsr-3778	367	4	,	,	PUNCT
fsr-3778	367	5	33	33	NUM
fsr-3778	367	6	(	(	PUNCT
fsr-3778	367	7	1	1	NUM
fsr-3778	367	8	)	)	PUNCT
fsr-3778	367	9	.	.	PUNCT
fsr-3778	368	1	21	21	NUM
fsr-3778	368	2	-	-	SYM
fsr-3778	368	3	23	23	NUM
fsr-3778	368	4	.	.	PUNCT
fsr-3778	368	5	canner	canner	NOUN
fsr-3778	368	6	,	,	PUNCT
fsr-3778	368	7	g.b	g.b	PROPN
fsr-3778	368	8	.	.	PROPN
fsr-3778	368	9	,	,	PUNCT
fsr-3778	368	10	&	&	CCONJ
fsr-3778	368	11	luckett	luckett	PROPN
fsr-3778	368	12	,	,	PUNCT
fsr-3778	368	13	c.a	c.a	PROPN
fsr-3778	368	14	.	.	PROPN
fsr-3778	368	15	(	(	PUNCT
fsr-3778	368	16	1990	1990	NUM
fsr-3778	368	17	)	)	PUNCT
fsr-3778	368	18	.	.	PUNCT
fsr-3778	369	1	consumer	consumer	NOUN
fsr-3778	369	2	debt	debt	NOUN
fsr-3778	369	3	repayment	repayment	NOUN
fsr-3778	369	4	woes	woe	NOUN
fsr-3778	369	5	:	:	PUNCT
fsr-3778	369	6	insights	insight	NOUN
fsr-3778	369	7	from	from	ADP
fsr-3778	369	8	a	a	DET
fsr-3778	369	9	household	household	NOUN
fsr-3778	369	10	survey	survey	NOUN
fsr-3778	369	11	.	.	PUNCT
fsr-3778	370	1	journal	journal	NOUN
fsr-3778	370	2	of	of	ADP
fsr-3778	370	3	retail	retail	ADJ
fsr-3778	370	4	bunking	bunking	NOUN
fsr-3778	370	5	,	,	PUNCT
fsr-3778	370	6	12	12	NUM
fsr-3778	370	7	(	(	PUNCT
fsr-3778	370	8	1	1	NUM
fsr-3778	370	9	,	,	PUNCT
fsr-3778	370	10	spring	spring	NOUN
fsr-3778	370	11	)	)	PUNCT
fsr-3778	370	12	,	,	PUNCT
fsr-3778	370	13	55	55	NUM
fsr-3778	370	14	-	-	SYM
fsr-3778	370	15	62	62	NUM
fsr-3778	370	16	.	.	PUNCT
fsr-3778	371	1	canner	canner	NOUN
fsr-3778	371	2	,	,	PUNCT
fsr-3778	371	3	g.b	g.b	PROPN
fsr-3778	371	4	.	.	PROPN
fsr-3778	371	5	,	,	PUNCT
fsr-3778	371	6	(	(	PUNCT
fsr-3778	371	7	4	4	NUM
fsr-3778	371	8	%	%	NOUN
fsr-3778	371	9	luckett	luckett	PROPN
fsr-3778	371	10	,	,	PUNCT
fsr-3778	371	11	c.a	c.a	PROPN
fsr-3778	371	12	.	.	PROPN
fsr-3778	372	1	(	(	PUNCT
fsr-3778	372	2	1991	1991	NUM
fsr-3778	372	3	)	)	PUNCT
fsr-3778	372	4	.	.	PUNCT
fsr-3778	373	1	payment	payment	NOUN
fsr-3778	373	2	of	of	ADP
fsr-3778	373	3	household	household	NOUN
fsr-3778	373	4	debts	debt	NOUN
fsr-3778	373	5	.	.	PUNCT
fsr-3778	374	1	federal	federal	PROPN
fsr-3778	374	2	reserve	reserve	PROPN
fsr-3778	374	3	bulletin	bulletin	PROPN
fsr-3778	374	4	,	,	PUNCT
fsr-3778	374	5	77(april	77(april	NUM
fsr-3778	374	6	)	)	PUNCT
fsr-3778	374	7	,	,	PUNCT
fsr-3778	374	8	218	218	NUM
fsr-3778	374	9	-	-	SYM
fsr-3778	374	10	229	229	NUM
fsr-3778	374	11	.	.	PUNCT
fsr-3778	375	1	capon	capon	NOUN
fsr-3778	375	2	,	,	PUNCT
fsr-3778	375	3	n.	n.	NOUN
fsr-3778	375	4	(	(	PUNCT
fsr-3778	375	5	1982	1982	NUM
fsr-3778	375	6	)	)	PUNCT
fsr-3778	375	7	.	.	PUNCT
fsr-3778	376	1	credit	credit	NOUN
fsr-3778	376	2	scoring	scoring	NOUN
fsr-3778	376	3	systems	system	NOUN
fsr-3778	376	4	:	:	PUNCT
fsr-3778	376	5	a	a	DET
fsr-3778	376	6	critical	critical	ADJ
fsr-3778	376	7	analysis	analysis	NOUN
fsr-3778	376	8	.	.	PUNCT
fsr-3778	377	1	journalofmarketing	journalofmarkete	VERB
fsr-3778	377	2	,	,	PUNCT
fsr-3778	377	3	46(spring	46(spring	NUM
fsr-3778	377	4	)	)	PUNCT
fsr-3778	377	5	,	,	PUNCT
fsr-3778	377	6	82	82	NUM
fsr-3778	377	7	-	-	SYM
fsr-3778	377	8	91	91	NUM
fsr-3778	377	9	.	.	PUNCT
fsr-3778	378	1	chandler	chandler	PROPN
fsr-3778	378	2	,	,	PUNCT
fsr-3778	378	3	g.g	g.g	PROPN
fsr-3778	378	4	.	.	PROPN
fsr-3778	378	5	,	,	PUNCT
fsr-3778	378	6	&	&	CCONJ
fsr-3778	378	7	parker	parker	PROPN
fsr-3778	378	8	,	,	PUNCT
fsr-3778	378	9	l.e	l.e	PROPN
fsr-3778	378	10	.	.	PROPN
fsr-3778	378	11	(	(	PUNCT
fsr-3778	378	12	1989	1989	NUM
fsr-3778	378	13	)	)	PUNCT
fsr-3778	378	14	.	.	PUNCT
fsr-3778	379	1	predictive	predictive	ADJ
fsr-3778	379	2	value	value	NOUN
fsr-3778	379	3	of	of	ADP
fsr-3778	379	4	credit	credit	NOUN
fsr-3778	379	5	bureau	bureau	NOUN
fsr-3778	379	6	reports	report	VERB
fsr-3778	379	7	.	.	PUNCT
fsr-3778	380	1	journal	journal	NOUN
fsr-3778	380	2	of	of	ADP
fsr-3778	380	3	retail	retail	ADJ
fsr-3778	380	4	banking	banking	NOUN
fsr-3778	380	5	,	,	PUNCT
fsr-3778	380	6	ll(4	ll(4	PROPN
fsr-3778	380	7	,	,	PUNCT
fsr-3778	380	8	winter	winter	NOUN
fsr-3778	380	9	)	)	PUNCT
fsr-3778	380	10	,	,	PUNCT
fsr-3778	380	11	41	41	NUM
fsr-3778	380	12	-	-	SYM
fsr-3778	380	13	54	54	NUM
fsr-3778	380	14	.	.	PUNCT
fsr-3778	381	1	chen	chen	PROPN
fsr-3778	381	2	,	,	PUNCT
fsr-3778	381	3	k.h	k.h	PROPN
fsr-3778	381	4	.	.	PROPN
fsr-3778	381	5	,	,	PUNCT
fsr-3778	381	6	&	&	CCONJ
fsr-3778	381	7	shimerada	shimerada	PROPN
fsr-3778	381	8	,	,	PUNCT
fsr-3778	381	9	t.a	t.a	PROPN
fsr-3778	381	10	.	.	PROPN
fsr-3778	381	11	(	(	PUNCT
fsr-3778	381	12	1981	1981	NUM
fsr-3778	381	13	)	)	PUNCT
fsr-3778	381	14	.	.	PUNCT
fsr-3778	382	1	an	an	DET
fsr-3778	382	2	empirical	empirical	ADJ
fsr-3778	382	3	analysis	analysis	NOUN
fsr-3778	382	4	of	of	ADP
fsr-3778	382	5	useful	useful	ADJ
fsr-3778	382	6	financial	financial	ADJ
fsr-3778	382	7	ratios	ratio	NOUN
fsr-3778	382	8	.	.	PUNCT
fsr-3778	383	1	financial	financial	ADJ
fsr-3778	383	2	management	management	NOUN
fsr-3778	383	3	,	,	PUNCT
fsr-3778	383	4	fqspring	fqspring	NOUN
fsr-3778	383	5	)	)	PUNCT
fsr-3778	383	6	,	,	PUNCT
fsr-3778	383	7	5	5	NUM
fsr-3778	383	8	l-60	l-60	PROPN
fsr-3778	383	9	.	.	PUNCT
fsr-3778	384	1	chhikara	chhikara	PROPN
fsr-3778	384	2	,	,	PUNCT
fsr-3778	384	3	r.k	r.k	PROPN
fsr-3778	384	4	.	.	PROPN
fsr-3778	384	5	(	(	PUNCT
fsr-3778	384	6	1989	1989	NUM
fsr-3778	384	7	)	)	PUNCT
fsr-3778	384	8	.	.	PUNCT
fsr-3778	385	1	the	the	DET
fsr-3778	385	2	state	state	NOUN
fsr-3778	385	3	of	of	ADP
fsr-3778	385	4	the	the	DET
fsr-3778	385	5	art	art	NOUN
fsr-3778	385	6	in	in	ADP
fsr-3778	385	7	credit	credit	NOUN
fsr-3778	385	8	evaluation	evaluation	NOUN
fsr-3778	385	9	.	.	PUNCT
fsr-3778	386	1	american	american	ADJ
fsr-3778	386	2	journal	journal	PROPN
fsr-3778	386	3	of	of	ADP
fsr-3778	386	4	agricultural	agricultural	ADJ
fsr-3778	386	5	economics	economic	NOUN
fsr-3778	386	6	,	,	PUNCT
fsr-3778	386	7	71(5	71(5	NUM
fsr-3778	386	8	)	)	PUNCT
fsr-3778	386	9	,	,	PUNCT
fsr-3778	386	10	1138	1138	NUM
fsr-3778	386	11	-	-	SYM
fsr-3778	386	12	l	l	NOUN
fsr-3778	386	13	144	144	NUM
fsr-3778	386	14	.	.	PUNCT
fsr-3778	387	1	collins	collins	PROPN
fsr-3778	387	2	,	,	PUNCT
fsr-3778	387	3	r.a	r.a	PROPN
fsr-3778	387	4	.	.	PROPN
fsr-3778	387	5	,	,	PUNCT
fsr-3778	387	6	&	&	CCONJ
fsr-3778	387	7	green	green	PROPN
fsr-3778	387	8	,	,	PUNCT
fsr-3778	387	9	r.d	r.d	PROPN
fsr-3778	387	10	.	.	PROPN
fsr-3778	387	11	(	(	PUNCT
fsr-3778	387	12	1982	1982	NUM
fsr-3778	387	13	)	)	PUNCT
fsr-3778	387	14	.	.	PUNCT
fsr-3778	388	1	statistical	statistical	ADJ
fsr-3778	388	2	methods	method	NOUN
fsr-3778	388	3	for	for	ADP
fsr-3778	388	4	bankruptcy	bankruptcy	NOUN
fsr-3778	388	5	forecasting	forecasting	NOUN
fsr-3778	388	6	.	.	PUNCT
fsr-3778	389	1	journal	journal	PROPN
fsr-3778	389	2	of	of	ADP
fsr-3778	389	3	economics	economic	NOUN
fsr-3778	389	4	and	and	CCONJ
fsr-3778	389	5	business	business	NOUN
fsr-3778	389	6	,	,	PUNCT
fsr-3778	389	7	34,349	34,349	NUM
fsr-3778	389	8	-	-	SYM
fsr-3778	389	9	354	354	NUM
fsr-3778	389	10	.	.	PUNCT
fsr-3778	390	1	courtless	courtless	PROPN
fsr-3778	390	2	,	,	PUNCT
fsr-3778	390	3	j.	j.	PROPN
fsr-3778	390	4	(	(	PUNCT
fsr-3778	390	5	1993	1993	NUM
fsr-3778	390	6	)	)	PUNCT
fsr-3778	390	7	.	.	PUNCT
fsr-3778	391	1	trends	trend	NOUN
fsr-3778	391	2	in	in	ADP
fsr-3778	391	3	consumer	consumer	NOUN
fsr-3778	391	4	credit	credit	NOUN
fsr-3778	391	5	.	.	PUNCT
fsr-3778	392	1	family	family	NOUN
fsr-3778	392	2	economics	economic	NOUN
fsr-3778	392	3	review	review	PROPN
fsr-3778	392	4	,	,	PUNCT
fsr-3778	392	5	6(3	6(3	NUM
fsr-3778	392	6	)	)	PUNCT
fsr-3778	392	7	,	,	PUNCT
fsr-3778	392	8	8	8	NUM
fsr-3778	392	9	-	-	SYM
fsr-3778	392	10	17	17	NUM
fsr-3778	392	11	.	.	PUNCT
fsr-3778	393	1	cut	cut	NOUN
fsr-3778	393	2	-	-	PUNCT
fsr-3778	393	3	miff	miff	NOUN
fsr-3778	393	4	,	,	PUNCT
fsr-3778	393	5	j.	j.	PROPN
fsr-3778	393	6	(	(	PUNCT
fsr-3778	393	7	1995	1995	NUM
fsr-3778	393	8	)	)	PUNCT
fsr-3778	393	9	.	.	PUNCT
fsr-3778	394	1	nobody	nobody	PRON
fsr-3778	394	2	’s	’s	AUX
fsr-3778	394	3	saving	save	VERB
fsr-3778	394	4	a	a	DET
fsr-3778	394	5	penny	penny	NOUN
fsr-3778	394	6	to	to	PART
fsr-3778	394	7	earn	earn	VERB
fsr-3778	394	8	a	a	DET
fsr-3778	394	9	penny	penny	NOUN
fsr-3778	394	10	anymore	anymore	ADV
fsr-3778	394	11	.	.	PUNCT
fsr-3778	395	1	the	the	DET
fsr-3778	395	2	roanoke	roanoke	PROPN
fsr-3778	395	3	times	times	PROPN
fsr-3778	395	4	and	and	CCONJ
fsr-3778	395	5	world	world	PROPN
fsr-3778	395	6	news	news	PROPN
fsr-3778	395	7	,	,	PUNCT
fsr-3778	395	8	(	(	PUNCT
fsr-3778	395	9	february	february	NOUN
fsr-3778	395	10	5	5	NUM
fsr-3778	395	11	)	)	PUNCT
fsr-3778	395	12	,	,	PUNCT
fsr-3778	395	13	b7	b7	PROPN
fsr-3778	395	14	-	-	PUNCT
fsr-3778	395	15	b8	b8	PROPN
fsr-3778	395	16	.	.	PUNCT
fsr-3778	395	17	household	household	NOUN
fsr-3778	395	18	insolvency	insolvency	NOUN
fsr-3778	395	19	:	:	PUNCT
fsr-3778	395	20	debt	debt	NOUN
fsr-3778	395	21	repayment	repayment	NOUN
fsr-3778	395	22	,	,	PUNCT
fsr-3778	395	23	delinquency	delinquency	NOUN
fsr-3778	395	24	,	,	PUNCT
fsr-3778	395	25	and	and	CCONJ
fsr-3778	395	26	bankruptcy	bankruptcy	NOUN
fsr-3778	395	27	155	155	NUM
fsr-3778	395	28	devaney	devaney	PROPN
fsr-3778	395	29	,	,	PUNCT
fsr-3778	395	30	s.a	s.a	PROPN
fsr-3778	395	31	.	.	PROPN
fsr-3778	395	32	(	(	PUNCT
fsr-3778	395	33	1993	1993	NUM
fsr-3778	395	34	)	)	PUNCT
fsr-3778	395	35	.	.	PUNCT
fsr-3778	396	1	changes	change	NOUN
fsr-3778	396	2	in	in	ADP
fsr-3778	396	3	household	household	NOUN
fsr-3778	396	4	financial	financial	ADJ
fsr-3778	396	5	ratios	ratio	NOUN
fsr-3778	396	6	between	between	ADP
fsr-3778	396	7	1983	1983	NUM
fsr-3778	396	8	and	and	CCONJ
fsr-3778	396	9	1986	1986	NUM
fsr-3778	396	10	:	:	PUNCT
fsr-3778	396	11	were	be	AUX
fsr-3778	396	12	american	american	ADJ
fsr-3778	396	13	households	household	NOUN
fsr-3778	396	14	improving	improve	VERB
fsr-3778	396	15	their	their	PRON
fsr-3778	396	16	financial	financial	ADJ
fsr-3778	396	17	status	status	NOUN
fsr-3778	396	18	?	?	PUNCT
fsr-3778	397	1	financial	financial	ADJ
fsr-3778	397	2	counseling	counseling	NOUN
fsr-3778	397	3	and	and	CCONJ
fsr-3778	397	4	planning	planning	NOUN
fsr-3778	397	5	,	,	PUNCT
fsr-3778	397	6	4	4	NUM
fsr-3778	397	7	,	,	PUNCT
fsr-3778	397	8	3	3	NUM
fsr-3778	397	9	l-46	l-46	PROPN
fsr-3778	397	10	.	.	PUNCT
fsr-3778	398	1	devaney	devaney	PROPN
fsr-3778	398	2	,	,	PUNCT
fsr-3778	398	3	s.a	s.a	PROPN
fsr-3778	398	4	.	.	PROPN
fsr-3778	398	5	(	(	PUNCT
fsr-3778	398	6	1994	1994	NUM
fsr-3778	398	7	)	)	PUNCT
fsr-3778	398	8	.	.	PUNCT
fsr-3778	399	1	the	the	DET
fsr-3778	399	2	usefulness	usefulness	NOUN
fsr-3778	399	3	of	of	ADP
fsr-3778	399	4	financial	financial	ADJ
fsr-3778	399	5	ratios	ratio	NOUN
fsr-3778	399	6	as	as	ADP
fsr-3778	399	7	predictors	predictor	NOUN
fsr-3778	399	8	of	of	ADP
fsr-3778	399	9	household	household	NOUN
fsr-3778	399	10	insolvency	insolvency	NOUN
fsr-3778	399	11	:	:	PUNCT
fsr-3778	399	12	two	two	NUM
fsr-3778	399	13	perspectives	perspective	NOUN
fsr-3778	399	14	.	.	PUNCT
fsr-3778	400	1	financial	financial	ADJ
fsr-3778	400	2	counseling	counseling	NOUN
fsr-3778	400	3	and	and	CCONJ
fsr-3778	400	4	planning	planning	NOUN
fsr-3778	400	5	,	,	PUNCT
fsr-3778	400	6	5,5	5,5	NUM
fsr-3778	400	7	-	-	SYM
fsr-3778	400	8	24	24	NUM
fsr-3778	400	9	.	.	PUNCT
fsr-3778	401	1	devaney	devaney	PROPN
fsr-3778	401	2	,	,	PUNCT
fsr-3778	401	3	s.a	s.a	PROPN
fsr-3778	401	4	.	.	PROPN
fsr-3778	401	5	,	,	PUNCT
fsr-3778	401	6	&	&	CCONJ
fsr-3778	401	7	hanna	hanna	PROPN
fsr-3778	401	8	,	,	PUNCT
fsr-3778	401	9	s.	s.	PROPN
fsr-3778	401	10	1994	1994	NUM
fsr-3778	401	11	.	.	PUNCT
fsr-3778	402	1	the	the	DET
fsr-3778	402	2	effect	effect	NOUN
fsr-3778	402	3	of	of	ADP
fsr-3778	402	4	marital	marital	ADJ
fsr-3778	402	5	status	status	NOUN
fsr-3778	402	6	,	,	PUNCT
fsr-3778	402	7	income	income	NOUN
fsr-3778	402	8	,	,	PUNCT
fsr-3778	402	9	age	age	NOUN
fsr-3778	402	10	and	and	CCONJ
fsr-3778	402	11	other	other	ADJ
fsr-3778	402	12	variables	variable	NOUN
fsr-3778	402	13	on	on	ADP
fsr-3778	402	14	insolvency	insolvency	NOUN
fsr-3778	402	15	in	in	ADP
fsr-3778	402	16	the	the	DET
fsr-3778	402	17	u.s.a	u.s.a	PROPN
fsr-3778	402	18	.	.	PROPN
fsr-3778	402	19	journal	journal	PROPN
fsr-3778	402	20	of	of	ADP
fsr-3778	402	21	consumer	consumer	NOUN
fsr-3778	402	22	studies	study	NOUN
fsr-3778	402	23	and	and	CCONJ
fsr-3778	402	24	home	home	NOUN
fsr-3778	402	25	economics	economic	NOUN
fsr-3778	402	26	,	,	PUNCT
fsr-3778	402	27	l&293	l&293	PROPN
fsr-3778	402	28	-	-	SYM
fsr-3778	402	29	303	303	NUM
fsr-3778	402	30	.	.	PUNCT
fsr-3778	403	1	durand	durand	PROPN
fsr-3778	403	2	,	,	PUNCT
fsr-3778	403	3	d.	d.	PROPN
fsr-3778	403	4	(	(	PUNCT
fsr-3778	403	5	1941	1941	NUM
fsr-3778	403	6	)	)	PUNCT
fsr-3778	403	7	.	.	PUNCT
fsr-3778	404	1	risk	risk	NOUN
fsr-3778	404	2	elements	element	NOUN
fsr-3778	404	3	in	in	ADP
fsr-3778	404	4	consumer	consumer	NOUN
fsr-3778	404	5	instullmentfinancing	instullmentfinancing	NOUN
fsr-3778	404	6	.	.	PUNCT
fsr-3778	405	1	study	study	VERB
fsr-3778	405	2	#	#	SYM
fsr-3778	405	3	8	8	NUM
fsr-3778	405	4	.	.	PUNCT
fsr-3778	406	1	new	new	PROPN
fsr-3778	406	2	york	york	PROPN
fsr-3778	406	3	:	:	PUNCT
fsr-3778	406	4	national	national	PROPN
fsr-3778	406	5	bureau	bureau	PROPN
fsr-3778	406	6	of	of	ADP
fsr-3778	406	7	economic	economic	ADJ
fsr-3778	406	8	research	research	NOUN
fsr-3778	406	9	.	.	PUNCT
fsr-3778	407	1	easing	ease	VERB
fsr-3778	407	2	borrowers	borrower	NOUN
fsr-3778	407	3	off	off	ADP
fsr-3778	407	4	the	the	DET
fsr-3778	407	5	road	road	NOUN
fsr-3778	407	6	to	to	ADP
fsr-3778	407	7	bankruptcy	bankruptcy	NOUN
fsr-3778	407	8	.	.	PUNCT
fsr-3778	408	1	(	(	PUNCT
fsr-3778	408	2	1990	1990	NUM
fsr-3778	408	3	,	,	PUNCT
fsr-3778	408	4	february	february	PROPN
fsr-3778	408	5	)	)	PUNCT
fsr-3778	408	6	.	.	PUNCT
fsr-3778	409	1	aba	aba	PROPN
fsr-3778	409	2	bunking	bunk	VERB
fsr-3778	409	3	journal	journal	NOUN
fsr-3778	409	4	,	,	PUNCT
fsr-3778	409	5	82(february	82(february	NUM
fsr-3778	409	6	)	)	PUNCT
fsr-3778	409	7	,	,	PUNCT
fsr-3778	409	8	42	42	NUM
fsr-3778	409	9	-	-	SYM
fsr-3778	409	10	44	44	NUM
fsr-3778	409	11	.	.	PUNCT
fsr-3778	410	1	fanslow	fanslow	PROPN
fsr-3778	410	2	,	,	PUNCT
fsr-3778	410	3	a.	a.	NOUN
fsr-3778	410	4	(	(	PUNCT
fsr-3778	410	5	1994	1994	NUM
fsr-3778	410	6	)	)	PUNCT
fsr-3778	410	7	.	.	PUNCT
fsr-3778	411	1	financial	financial	ADJ
fsr-3778	411	2	ratios	ratio	NOUN
fsr-3778	411	3	as	as	ADP
fsr-3778	411	4	a	a	DET
fsr-3778	411	5	tool	tool	NOUN
fsr-3778	411	6	for	for	ADP
fsr-3778	411	7	assessing	assess	VERB
fsr-3778	411	8	the	the	DET
fsr-3778	411	9	financial	financial	ADJ
fsr-3778	411	10	health	health	NOUN
fsr-3778	411	11	of	of	ADP
fsr-3778	411	12	iowa	iowa	PROPN
fsr-3778	411	13	’s	’s	PART
fsr-3778	411	14	households	household	NOUN
fsr-3778	411	15	.	.	PUNCT
fsr-3778	412	1	in	in	ADP
fsr-3778	412	2	m.	m.	NOUN
fsr-3778	412	3	bretz	bretz	PROPN
fsr-3778	412	4	(	(	PUNCT
fsr-3778	412	5	ed	ed	NOUN
fsr-3778	412	6	.	.	PUNCT
fsr-3778	412	7	)	)	PUNCT
fsr-3778	412	8	,	,	PUNCT
fsr-3778	412	9	the	the	DET
fsr-3778	412	10	link	link	NOUN
fsr-3778	412	11	.	.	PUNCT
fsr-3778	413	1	ames	ames	PROPN
fsr-3778	413	2	:	:	PUNCT
fsr-3778	413	3	iowa	iowa	PROPN
fsr-3778	413	4	state	state	PROPN
fsr-3778	413	5	university	university	PROPN
fsr-3778	413	6	.	.	PUNCT
fsr-3778	414	1	federal	federal	PROPN
fsr-3778	414	2	reserve	reserve	PROPN
fsr-3778	414	3	system	system	PROPN
fsr-3778	414	4	,	,	PUNCT
fsr-3778	414	5	board	board	NOUN
fsr-3778	414	6	of	of	ADP
fsr-3778	414	7	governors	governor	NOUN
fsr-3778	414	8	.	.	PUNCT
fsr-3778	415	1	(	(	PUNCT
fsr-3778	415	2	1991	1991	NUM
fsr-3778	415	3	,	,	PUNCT
fsr-3778	415	4	september	september	PROPN
fsr-3778	415	5	)	)	PUNCT
fsr-3778	415	6	.	.	PUNCT
fsr-3778	416	1	balance	balance	NOUN
fsr-3778	416	2	sheets	sheet	NOUN
fsr-3778	416	3	of	of	ADP
fsr-3778	416	4	the	the	DET
fsr-3778	416	5	u.s	u.s	PROPN
fsr-3778	416	6	.	.	PROPN
fsr-3778	416	7	economy	economy	NOUN
fsr-3778	416	8	:	:	PUNCT
fsr-3778	416	9	1945	1945	NUM
fsr-3778	416	10	-	-	SYM
fsr-3778	416	11	1990	1990	NUM
fsr-3778	416	12	.	.	PUNCT
fsr-3778	417	1	washington	washington	PROPN
fsr-3778	417	2	,	,	PUNCT
fsr-3778	417	3	dc	dc	PROPN
fsr-3778	417	4	:	:	PUNCT
fsr-3778	417	5	author	author	NOUN
fsr-3778	417	6	.	.	PUNCT
fsr-3778	418	1	friedland	friedland	PROPN
fsr-3778	418	2	,	,	PUNCT
fsr-3778	418	3	m.	m.	NOUN
fsr-3778	418	4	(	(	PUNCT
fsr-3778	418	5	1993	1993	NUM
fsr-3778	418	6	)	)	PUNCT
fsr-3778	418	7	.	.	PUNCT
fsr-3778	419	1	in	in	ADP
fsr-3778	419	2	any	any	DET
fsr-3778	419	3	language	language	NOUN
fsr-3778	419	4	,	,	PUNCT
fsr-3778	419	5	credit	credit	NOUN
fsr-3778	419	6	grantors	grantor	NOUN
fsr-3778	419	7	say	say	VERB
fsr-3778	419	8	“	"	PUNCT
fsr-3778	419	9	yes	yes	INTJ
fsr-3778	419	10	!	!	PUNCT
fsr-3778	419	11	”	"	PUNCT
fsr-3778	419	12	to	to	ADP
fsr-3778	419	13	scoring	scoring	NOUN
fsr-3778	419	14	.	.	PUNCT
fsr-3778	420	1	credit	credit	NOUN
fsr-3778	420	2	work	work	NOUN
fsr-3778	420	3	&	&	CCONJ
fsr-3778	420	4	82(1	82(1	NOUN
fsr-3778	420	5	,	,	PUNCT
fsr-3778	420	6	september	september	PROPN
fsr-3778	420	7	/	/	SYM
fsr-3778	420	8	october	october	PROPN
fsr-3778	420	9	)	)	PUNCT
fsr-3778	420	10	,	,	PUNCT
fsr-3778	420	11	13	13	NUM
fsr-3778	420	12	-	-	SYM
fsr-3778	420	13	16	16	NUM
fsr-3778	420	14	.	.	PUNCT
fsr-3778	421	1	garman	garman	PROPN
fsr-3778	421	2	,	,	PUNCT
fsr-3778	421	3	e.t	e.t	PROPN
fsr-3778	421	4	.	.	PROPN
fsr-3778	421	5	,	,	PUNCT
fsr-3778	421	6	&	&	CCONJ
fsr-3778	421	7	forgue	forgue	PROPN
fsr-3778	421	8	,	,	PUNCT
fsr-3778	421	9	r.e	r.e	PROPN
fsr-3778	421	10	.	.	PROPN
fsr-3778	421	11	(	(	PUNCT
fsr-3778	421	12	1991	1991	NUM
fsr-3778	421	13	)	)	PUNCT
fsr-3778	421	14	.	.	PUNCT
fsr-3778	422	1	personaljnance	personaljnance	NOUN
fsr-3778	422	2	.	.	PUNCT
fsr-3778	423	1	3rd	3rd	PROPN
fsr-3778	423	2	edition	edition	PROPN
fsr-3778	423	3	.	.	PUNCT
fsr-3778	424	1	boston	boston	PROPN
fsr-3778	424	2	,	,	PUNCT
fsr-3778	424	3	ma	ma	PROPN
fsr-3778	424	4	:	:	PUNCT
fsr-3778	424	5	houghton	houghton	PROPN
fsr-3778	424	6	mifflin	mifflin	PROPN
fsr-3778	424	7	company	company	PROPN
fsr-3778	424	8	.	.	PUNCT
fsr-3778	425	1	gothe	gothe	PROPN
fsr-3778	425	2	,	,	PUNCT
fsr-3778	425	3	p.	p.	NOUN
fsr-3778	425	4	(	(	PUNCT
fsr-3778	425	5	1990	1990	NUM
fsr-3778	425	6	)	)	PUNCT
fsr-3778	425	7	.	.	PUNCT
fsr-3778	426	1	credit	credit	NOUN
fsr-3778	426	2	bureau	bureau	PROPN
fsr-3778	426	3	point	point	NOUN
fsr-3778	426	4	scoring	scoring	NOUN
fsr-3778	426	5	sheds	shed	VERB
fsr-3778	426	6	light	light	NOUN
fsr-3778	426	7	on	on	ADP
fsr-3778	426	8	shades	shade	NOUN
fsr-3778	426	9	of	of	ADP
fsr-3778	426	10	gray	gray	ADJ
fsr-3778	426	11	.	.	PUNCT
fsr-3778	427	1	credit	credit	NOUN
fsr-3778	427	2	world	world	NOUN
fsr-3778	427	3	,	,	PUNCT
fsr-3778	427	4	78(5	78(5	PROPN
fsr-3778	427	5	,	,	PUNCT
fsr-3778	427	6	june	june	PROPN
fsr-3778	427	7	)	)	PUNCT
fsr-3778	427	8	,	,	PUNCT
fsr-3778	427	9	26	26	NUM
fsr-3778	427	10	-	-	SYM
fsr-3778	427	11	29	29	NUM
fsr-3778	427	12	.	.	PUNCT
fsr-3778	428	1	grablowsky	grablowsky	NOUN
fsr-3778	428	2	,	,	PUNCT
fsr-3778	428	3	b.j	b.j	PROPN
fsr-3778	428	4	.	.	PROPN
fsr-3778	428	5	,	,	PUNCT
fsr-3778	428	6	&	&	CCONJ
fsr-3778	428	7	talley	talley	PROPN
fsr-3778	428	8	,	,	PUNCT
fsr-3778	428	9	w.k	w.k	PROPN
fsr-3778	428	10	.	.	PROPN
fsr-3778	428	11	(	(	PUNCT
fsr-3778	428	12	1981	1981	NUM
fsr-3778	428	13	)	)	PUNCT
fsr-3778	428	14	.	.	PUNCT
fsr-3778	429	1	probit	probit	NOUN
fsr-3778	429	2	and	and	CCONJ
fsr-3778	429	3	discriminant	discriminant	ADJ
fsr-3778	429	4	functions	function	NOUN
fsr-3778	429	5	for	for	ADP
fsr-3778	429	6	classifying	classify	VERB
fsr-3778	429	7	credit	credit	NOUN
fsr-3778	429	8	applications	application	NOUN
fsr-3778	429	9	:	:	PUNCT
fsr-3778	429	10	a	a	DET
fsr-3778	429	11	comparison	comparison	NOUN
fsr-3778	429	12	.	.	PUNCT
fsr-3778	430	1	journal	journal	PROPN
fsr-3778	430	2	of	of	ADP
fsr-3778	430	3	economics	economic	NOUN
fsr-3778	430	4	and	and	CCONJ
fsr-3778	430	5	business	business	NOUN
fsr-3778	430	6	,	,	PUNCT
fsr-3778	430	7	32(3	32(3	NUM
fsr-3778	430	8	)	)	PUNCT
fsr-3778	430	9	,	,	PUNCT
fsr-3778	430	10	254	254	NUM
fsr-3778	430	11	-	-	SYM
fsr-3778	430	12	261	261	NUM
fsr-3778	430	13	.	.	PUNCT
fsr-3778	431	1	griffith	griffith	PROPN
fsr-3778	431	2	,	,	PUNCT
fsr-3778	431	3	r.	r.	PROPN
fsr-3778	431	4	(	(	PUNCT
fsr-3778	431	5	1985	1985	NUM
fsr-3778	431	6	)	)	PUNCT
fsr-3778	431	7	.	.	PUNCT
fsr-3778	432	1	personal	personal	ADJ
fsr-3778	432	2	financial	financial	ADJ
fsr-3778	432	3	statement	statement	NOUN
fsr-3778	432	4	analysis	analysis	NOUN
fsr-3778	432	5	:	:	PUNCT
fsr-3778	432	6	a	a	DET
fsr-3778	432	7	modest	modest	ADJ
fsr-3778	432	8	beginning	beginning	NOUN
fsr-3778	432	9	.	.	PUNCT
fsr-3778	433	1	in	in	ADP
fsr-3778	433	2	v.	v.	ADP
fsr-3778	433	3	langrehr	langrehr	NOUN
fsr-3778	433	4	(	(	PUNCT
fsr-3778	433	5	ed	ed	NOUN
fsr-3778	433	6	.	.	PUNCT
fsr-3778	433	7	)	)	PUNCT
fsr-3778	433	8	,	,	PUNCT
fsr-3778	433	9	proceedings	proceeding	NOUN
fsr-3778	433	10	,	,	PUNCT
fsr-3778	433	11	third	third	ADJ
fsr-3778	433	12	annual	annual	ADJ
fsr-3778	433	13	conference	conference	NOUN
fsr-3778	433	14	of	of	ADP
fsr-3778	433	15	the	the	DET
fsr-3778	433	16	association	association	NOUN
fsr-3778	433	17	of	of	ADP
fsr-3778	433	18	financial	financial	ADJ
fsr-3778	433	19	counseling	counseling	NOUN
fsr-3778	433	20	and	and	CCONJ
fsr-3778	433	21	plun	plun	ADJ
fsr-3778	433	22	ning	ning	NOUN
fsr-3778	433	23	education	education	PROPN
fsr-3778	433	24	(	(	PUNCT
fsr-3778	433	25	pp	pp	ADJ
fsr-3778	433	26	.	.	PUNCT
fsr-3778	434	1	123	123	NUM
fsr-3778	434	2	-	-	SYM
fsr-3778	434	3	l	l	NOUN
fsr-3778	434	4	31	31	NUM
fsr-3778	434	5	)	)	PUNCT
fsr-3778	434	6	.	.	PUNCT
fsr-3778	435	1	iowa	iowa	PROPN
fsr-3778	435	2	state	state	PROPN
fsr-3778	435	3	university	university	PROPN
fsr-3778	435	4	.	.	PUNCT
fsr-3778	436	1	ames	ames	PROPN
fsr-3778	436	2	,	,	PUNCT
fsr-3778	436	3	ia	ia	PROPN
fsr-3778	436	4	:	:	PUNCT
fsr-3778	436	5	afcpe	afcpe	NOUN
fsr-3778	436	6	.	.	PUNCT
fsr-3778	437	1	harney	harney	PROPN
fsr-3778	437	2	,	,	PUNCT
fsr-3778	437	3	k.	k.	PROPN
fsr-3778	437	4	(	(	PUNCT
fsr-3778	437	5	1994	1994	NUM
fsr-3778	437	6	)	)	PUNCT
fsr-3778	437	7	.	.	PUNCT
fsr-3778	438	1	credit	credit	NOUN
fsr-3778	438	2	-	-	PUNCT
fsr-3778	438	3	tracking	track	VERB
fsr-3778	438	4	service	service	NOUN
fsr-3778	438	5	can	can	AUX
fsr-3778	438	6	spot	spot	VERB
fsr-3778	438	7	consumer	consumer	NOUN
fsr-3778	438	8	loan	loan	NOUN
fsr-3778	438	9	payment	payment	NOUN
fsr-3778	438	10	difficulties	difficulty	NOUN
fsr-3778	438	11	.	.	PUNCT
fsr-3778	439	1	the	the	DET
fsr-3778	439	2	wash	wash	NOUN
fsr-3778	439	3	ington	ington	NOUN
fsr-3778	439	4	post	post	NOUN
fsr-3778	439	5	,	,	PUNCT
fsr-3778	439	6	(	(	PUNCT
fsr-3778	439	7	february	february	NOUN
fsr-3778	439	8	5	5	NUM
fsr-3778	439	9	)	)	PUNCT
fsr-3778	439	10	,	,	PUNCT
fsr-3778	439	11	f3	f3	NOUN
fsr-3778	439	12	-	-	PUNCT
fsr-3778	439	13	f4	f4	NOUN
fsr-3778	439	14	.	.	PUNCT
fsr-3778	440	1	hira	hira	PROPN
fsr-3778	440	2	,	,	PUNCT
fsr-3778	440	3	t.k	t.k	PROPN
fsr-3778	440	4	.	.	PROPN
fsr-3778	440	5	(	(	PUNCT
fsr-3778	440	6	1992	1992	NUM
fsr-3778	440	7	)	)	PUNCT
fsr-3778	440	8	.	.	PUNCT
fsr-3778	441	1	the	the	DET
fsr-3778	441	2	rehabilitative	rehabilitative	ADJ
fsr-3778	441	3	aspects	aspect	NOUN
fsr-3778	441	4	of	of	ADP
fsr-3778	441	5	consumer	consumer	NOUN
fsr-3778	441	6	bankruptcy	bankruptcy	NOUN
fsr-3778	441	7	procedures	procedure	NOUN
fsr-3778	441	8	.	.	PUNCT
fsr-3778	442	1	proceedings	proceeding	NOUN
fsr-3778	442	2	of	of	ADP
fsr-3778	442	3	the	the	DET
fsr-3778	442	4	association	association	NOUN
fsr-3778	442	5	for	for	ADP
fsr-3778	442	6	financial	financial	ADJ
fsr-3778	442	7	counseling	counseling	NOUN
fsr-3778	442	8	and	and	CCONJ
fsr-3778	442	9	planning	planning	NOUN
fsr-3778	442	10	education	education	NOUN
fsr-3778	442	11	,	,	PUNCT
fsr-3778	442	12	io	io	PROPN
fsr-3778	442	13	,	,	PUNCT
fsr-3778	442	14	120	120	NUM
fsr-3778	442	15	-	-	SYM
fsr-3778	442	16	l	l	NOUN
fsr-3778	442	17	38	38	NUM
fsr-3778	442	18	.	.	PUNCT
fsr-3778	443	1	horrigan	horrigan	PROPN
fsr-3778	443	2	,	,	PUNCT
fsr-3778	443	3	j.o	j.o	PROPN
fsr-3778	443	4	.	.	PROPN
fsr-3778	444	1	(	(	PUNCT
fsr-3778	444	2	ed	ed	NOUN
fsr-3778	444	3	.	.	PUNCT
fsr-3778	444	4	)	)	PUNCT
fsr-3778	444	5	.	.	PUNCT
fsr-3778	445	1	(	(	PUNCT
fsr-3778	445	2	1978	1978	NUM
fsr-3778	445	3	)	)	PUNCT
fsr-3778	445	4	.	.	PUNCT
fsr-3778	446	1	financial	financial	ADJ
fsr-3778	446	2	ratio	ratio	NOUN
fsr-3778	446	3	analysis	analysis	NOUN
fsr-3778	446	4	:	:	PUNCT
fsr-3778	446	5	an	an	DET
fsr-3778	446	6	historical	historical	ADJ
fsr-3778	446	7	perspective	perspective	NOUN
fsr-3778	446	8	.	.	PUNCT
fsr-3778	447	1	new	new	PROPN
fsr-3778	447	2	york	york	PROPN
fsr-3778	447	3	:	:	PUNCT
fsr-3778	447	4	amo	amo	PROPN
fsr-3778	447	5	press	press	PROPN
fsr-3778	447	6	.	.	PUNCT
fsr-3778	448	1	hughes	hughes	PROPN
fsr-3778	448	2	,	,	PUNCT
fsr-3778	448	3	j.w	j.w	PROPN
fsr-3778	448	4	.	.	PROPN
fsr-3778	448	5	(	(	PUNCT
fsr-3778	448	6	1991	1991	NUM
fsr-3778	448	7	)	)	PUNCT
fsr-3778	448	8	.	.	PUNCT
fsr-3778	449	1	understanding	understand	VERB
fsr-3778	449	2	the	the	DET
fsr-3778	449	3	squeezed	squeeze	VERB
fsr-3778	449	4	consumer	consumer	NOUN
fsr-3778	449	5	.	.	PUNCT
fsr-3778	450	1	american	american	PROPN
fsr-3778	450	2	demographics	demographics	PROPN
fsr-3778	450	3	,	,	PUNCT
fsr-3778	450	4	13(july	13(july	NUM
fsr-3778	450	5	)	)	PUNCT
fsr-3778	450	6	,	,	PUNCT
fsr-3778	450	7	44	44	NUM
fsr-3778	450	8	-	-	SYM
fsr-3778	450	9	49	49	NUM
fsr-3778	450	10	.	.	PUNCT
fsr-3778	451	1	irvin	irvin	PROPN
fsr-3778	451	2	,	,	PUNCT
fsr-3778	451	3	s.	s.	PROPN
fsr-3778	451	4	(	(	PUNCT
fsr-3778	451	5	1994	1994	NUM
fsr-3778	451	6	)	)	PUNCT
fsr-3778	451	7	.	.	PUNCT
fsr-3778	452	1	using	use	VERB
fsr-3778	452	2	lifetime	lifetime	NOUN
fsr-3778	452	3	value	value	NOUN
fsr-3778	452	4	analysis	analysis	NOUN
fsr-3778	452	5	for	for	ADP
fsr-3778	452	6	selecting	select	VERB
fsr-3778	452	7	new	new	ADJ
fsr-3778	452	8	customers	customer	NOUN
fsr-3778	452	9	.	.	PUNCT
fsr-3778	453	1	credit	credit	NOUN
fsr-3778	453	2	world	world	NOUN
fsr-3778	453	3	,	,	PUNCT
fsr-3778	453	4	82(3	82(3	NUM
fsr-3778	453	5	,	,	PUNCT
fsr-3778	453	6	january	january	PROPN
fsr-3778	453	7	/	/	SYM
fsr-3778	453	8	february	february	PROPN
fsr-3778	453	9	)	)	PUNCT
fsr-3778	453	10	,	,	PUNCT
fsr-3778	453	11	37	37	NUM
fsr-3778	453	12	-	-	SYM
fsr-3778	453	13	39	39	NUM
fsr-3778	453	14	.	.	PUNCT
fsr-3778	454	1	iwuagwu	iwuagwu	PROPN
fsr-3778	454	2	,	,	PUNCT
fsr-3778	454	3	u.s	u.s	PROPN
fsr-3778	454	4	.	.	PROPN
fsr-3778	454	5	(	(	PUNCT
fsr-3778	454	6	1989	1989	NUM
fsr-3778	454	7	)	)	PUNCT
fsr-3778	454	8	.	.	PUNCT
fsr-3778	455	1	financial	financial	ADJ
fsr-3778	455	2	ratios	ratio	NOUN
fsr-3778	455	3	and	and	CCONJ
fsr-3778	455	4	perceived	perceive	VERB
fsr-3778	455	5	household	household	NOUN
fsr-3778	455	6	financial	financial	ADJ
fsr-3778	455	7	security	security	NOUN
fsr-3778	455	8	.	.	PUNCT
fsr-3778	456	1	unpublished	unpublished	ADJ
fsr-3778	456	2	m.a	m.a	PROPN
fsr-3778	456	3	.	.	PROPN
fsr-3778	456	4	thesis	thesis	PROPN
fsr-3778	456	5	,	,	PUNCT
fsr-3778	456	6	university	university	PROPN
fsr-3778	456	7	of	of	ADP
fsr-3778	456	8	wisconsin	wisconsin	PROPN
fsr-3778	456	9	,	,	PUNCT
fsr-3778	456	10	madison	madison	PROPN
fsr-3778	456	11	.	.	PROPN
fsr-3778	456	12	jenson	jenson	PROPN
fsr-3778	456	13	,	,	PUNCT
fsr-3778	456	14	h.	h.	PROPN
fsr-3778	456	15	(	(	PUNCT
fsr-3778	456	16	1992	1992	NUM
fsr-3778	456	17	)	)	PUNCT
fsr-3778	456	18	.	.	PUNCT
fsr-3778	457	1	using	use	VERB
fsr-3778	457	2	neural	neural	ADJ
fsr-3778	457	3	networks	network	NOUN
fsr-3778	457	4	for	for	ADP
fsr-3778	457	5	credit	credit	NOUN
fsr-3778	457	6	scoring	scoring	NOUN
fsr-3778	457	7	.	.	PUNCT
fsr-3778	458	1	management	management	NOUN
fsr-3778	458	2	finance	finance	NOUN
fsr-3778	458	3	,	,	PUNCT
fsr-3778	458	4	18(6	18(6	NOUN
fsr-3778	458	5	)	)	PUNCT
fsr-3778	458	6	,	,	PUNCT
fsr-3778	458	7	15	15	NUM
fsr-3778	458	8	-	-	SYM
fsr-3778	458	9	26	26	NUM
fsr-3778	458	10	.	.	PUNCT
fsr-3778	459	1	jost	jost	PROPN
fsr-3778	459	2	,	,	PUNCT
fsr-3778	459	3	a.	a.	NOUN
fsr-3778	459	4	(	(	PUNCT
fsr-3778	459	5	1993	1993	NUM
fsr-3778	459	6	)	)	PUNCT
fsr-3778	459	7	.	.	PUNCT
fsr-3778	460	1	neural	neural	ADJ
fsr-3778	460	2	networks	network	NOUN
fsr-3778	460	3	:	:	PUNCT
fsr-3778	460	4	a	a	DET
fsr-3778	460	5	logical	logical	ADJ
fsr-3778	460	6	progression	progression	NOUN
fsr-3778	460	7	in	in	ADP
fsr-3778	460	8	credit	credit	NOUN
fsr-3778	460	9	and	and	CCONJ
fsr-3778	460	10	marketing	marketing	NOUN
fsr-3778	460	11	decision	decision	NOUN
fsr-3778	460	12	systems	system	NOUN
fsr-3778	460	13	.	.	PUNCT
fsr-3778	461	1	credit	credit	NOUN
fsr-3778	461	2	world	world	NOUN
fsr-3778	461	3	,	,	PUNCT
fsr-3778	461	4	81(4	81(4	NUM
fsr-3778	461	5	,	,	PUNCT
fsr-3778	461	6	march	march	PROPN
fsr-3778	461	7	/	/	SYM
fsr-3778	461	8	april	april	PROPN
fsr-3778	461	9	)	)	PUNCT
fsr-3778	461	10	,	,	PUNCT
fsr-3778	461	11	26	26	NUM
fsr-3778	461	12	-	-	SYM
fsr-3778	461	13	33	33	NUM
fsr-3778	461	14	.	.	PUNCT
fsr-3778	462	1	ketz	ketz	PROPN
fsr-3778	462	2	,	,	PUNCT
fsr-3778	462	3	j.e	j.e	PROPN
fsr-3778	462	4	.	.	PROPN
fsr-3778	462	5	,	,	PUNCT
fsr-3778	462	6	doogar	doogar	PROPN
fsr-3778	462	7	,	,	PUNCT
fsr-3778	462	8	r.k	r.k	PROPN
fsr-3778	462	9	.	.	PROPN
fsr-3778	462	10	,	,	PUNCT
fsr-3778	462	11	&	&	CCONJ
fsr-3778	462	12	jensen	jensen	PROPN
fsr-3778	462	13	,	,	PUNCT
fsr-3778	462	14	d.e	d.e	PROPN
fsr-3778	462	15	.	.	PROPN
fsr-3778	462	16	(	(	PUNCT
fsr-3778	462	17	1990	1990	NUM
fsr-3778	462	18	)	)	PUNCT
fsr-3778	462	19	.	.	PUNCT
fsr-3778	463	1	a	a	DET
fsr-3778	463	2	cross	cross	ADJ
fsr-3778	463	3	-	-	ADJ
fsr-3778	463	4	industry	industry	ADJ
fsr-3778	463	5	analysis	analysis	NOUN
fsr-3778	463	6	offinancial	offinancial	ADJ
fsr-3778	463	7	ratios	ratio	NOUN
fsr-3778	463	8	.	.	PUNCT
fsr-3778	464	1	new	new	PROPN
fsr-3778	464	2	york	york	PROPN
fsr-3778	464	3	:	:	PUNCT
fsr-3778	464	4	quorum	quorum	NOUN
fsr-3778	464	5	books	book	NOUN
fsr-3778	464	6	.	.	PUNCT
fsr-3778	465	1	lawder	lawder	PROPN
fsr-3778	465	2	,	,	PUNCT
fsr-3778	465	3	k.e	k.e	PROPN
fsr-3778	465	4	.	.	PROPN
fsr-3778	465	5	(	(	PUNCT
fsr-3778	465	6	1989	1989	NUM
fsr-3778	465	7	)	)	PUNCT
fsr-3778	465	8	.	.	PUNCT
fsr-3778	466	1	ratios	ratio	NOUN
fsr-3778	466	2	101	101	NUM
fsr-3778	466	3	:	:	PUNCT
fsr-3778	466	4	back	back	ADV
fsr-3778	466	5	to	to	ADP
fsr-3778	466	6	the	the	DET
fsr-3778	466	7	basics	basic	NOUN
fsr-3778	466	8	of	of	ADP
fsr-3778	466	9	financial	financial	ADJ
fsr-3778	466	10	analysis	analysis	NOUN
fsr-3778	466	11	.	.	PUNCT
fsr-3778	467	1	business	business	NOUN
fsr-3778	467	2	credit	credit	NOUN
fsr-3778	467	3	,	,	PUNCT
fsr-3778	467	4	91(6	91(6	NOUN
fsr-3778	467	5	)	)	PUNCT
fsr-3778	467	6	,	,	PUNCT
fsr-3778	467	7	28	28	NUM
fsr-3778	467	8	-	-	SYM
fsr-3778	467	9	30	30	NUM
fsr-3778	467	10	.	.	PUNCT
fsr-3778	468	1	lease	lease	NOUN
fsr-3778	468	2	instead	instead	ADV
fsr-3778	468	3	of	of	ADP
fsr-3778	468	4	buy	buy	VERB
fsr-3778	468	5	?	?	PUNCT
fsr-3778	469	1	(	(	PUNCT
fsr-3778	469	2	1995	1995	NUM
fsr-3778	469	3	)	)	PUNCT
fsr-3778	469	4	.	.	PUNCT
fsr-3778	470	1	consumer	consumer	NOUN
fsr-3778	470	2	reports	report	NOUN
fsr-3778	470	3	,	,	PUNCT
fsr-3778	470	4	(	(	PUNCT
fsr-3778	470	5	april	april	PROPN
fsr-3778	470	6	)	)	PUNCT
fsr-3778	470	7	,	,	PUNCT
fsr-3778	470	8	268	268	NUM
fsr-3778	470	9	-	-	SYM
fsr-3778	470	10	269	269	NUM
fsr-3778	470	11	.	.	PUNCT
fsr-3778	471	1	livingstone	livingstone	PROPN
fsr-3778	471	2	,	,	PUNCT
fsr-3778	471	3	sm	sm	PROPN
fsr-3778	471	4	.	.	PROPN
fsr-3778	471	5	,	,	PUNCT
fsr-3778	471	6	&	&	CCONJ
fsr-3778	471	7	lunt	lunt	PROPN
fsr-3778	471	8	,	,	PUNCT
fsr-3778	471	9	p.k	p.k	PROPN
fsr-3778	471	10	.	.	PROPN
fsr-3778	471	11	(	(	PUNCT
fsr-3778	471	12	1992	1992	NUM
fsr-3778	471	13	)	)	PUNCT
fsr-3778	471	14	.	.	PUNCT
fsr-3778	472	1	predicting	predict	VERB
fsr-3778	472	2	personal	personal	ADJ
fsr-3778	472	3	debt	debt	NOUN
fsr-3778	472	4	and	and	CCONJ
fsr-3778	472	5	debt	debt	NOUN
fsr-3778	472	6	repayment	repayment	NOUN
fsr-3778	472	7	:	:	PUNCT
fsr-3778	472	8	psychological	psychological	ADJ
fsr-3778	472	9	,	,	PUNCT
fsr-3778	472	10	social	social	ADJ
fsr-3778	472	11	,	,	PUNCT
fsr-3778	472	12	and	and	CCONJ
fsr-3778	472	13	economic	economic	ADJ
fsr-3778	472	14	determinants	determinant	NOUN
fsr-3778	472	15	.	.	PUNCT
fsr-3778	473	1	journal	journal	NOUN
fsr-3778	473	2	of	of	ADP
fsr-3778	473	3	economic	economic	ADJ
fsr-3778	473	4	psychology	psychology	NOUN
fsr-3778	473	5	,	,	PUNCT
fsr-3778	473	6	13	13	NUM
fsr-3778	473	7	,	,	PUNCT
fsr-3778	473	8	11	11	NUM
fsr-3778	473	9	l-134	l-134	PROPN
fsr-3778	473	10	.	.	PUNCT
fsr-3778	474	1	long	long	PROPN
fsr-3778	474	2	,	,	PUNCT
fsr-3778	474	3	m.s	m.s	PROPN
fsr-3778	474	4	.	.	PROPN
fsr-3778	474	5	,	,	PUNCT
fsr-3778	474	6	&	&	CCONJ
fsr-3778	474	7	mcconnell	mcconnell	PROPN
fsr-3778	474	8	,	,	PUNCT
fsr-3778	474	9	j.j	j.j	PROPN
fsr-3778	474	10	.	.	PROPN
fsr-3778	474	11	(	(	PUNCT
fsr-3778	474	12	1977	1977	NUM
fsr-3778	474	13	)	)	PUNCT
fsr-3778	474	14	.	.	PUNCT
fsr-3778	475	1	credit	credit	NOUN
fsr-3778	475	2	scoring	scoring	NOUN
fsr-3778	475	3	system	system	NOUN
fsr-3778	475	4	aids	aid	VERB
fsr-3778	475	5	second	second	ADJ
fsr-3778	475	6	mortgage	mortgage	NOUN
fsr-3778	475	7	makers	maker	NOUN
fsr-3778	475	8	.	.	PUNCT
fsr-3778	476	1	mortgage	mortgage	NOUN
fsr-3778	476	2	banker	banker	NOUN
fsr-3778	476	3	,	,	PUNCT
fsr-3778	476	4	37,29	37,29	NUM
fsr-3778	476	5	-	-	SYM
fsr-3778	476	6	34	34	NUM
fsr-3778	476	7	.	.	PUNCT
fsr-3778	477	1	luckett	luckett	PROPN
fsr-3778	477	2	,	,	PUNCT
fsr-3778	477	3	c.a	c.a	PROPN
fsr-3778	477	4	.	.	PROPN
fsr-3778	477	5	(	(	PUNCT
fsr-3778	477	6	1988	1988	NUM
fsr-3778	477	7	)	)	PUNCT
fsr-3778	477	8	.	.	PUNCT
fsr-3778	478	1	personal	personal	ADJ
fsr-3778	478	2	bankruptcies	bankruptcy	NOUN
fsr-3778	478	3	.	.	PUNCT
fsr-3778	479	1	federal	federal	PROPN
fsr-3778	479	2	reserve	reserve	PROPN
fsr-3778	479	3	bulletin	bulletin	PROPN
fsr-3778	479	4	,	,	PUNCT
fsr-3778	479	5	74(9	74(9	NUM
fsr-3778	479	6	)	)	PUNCT
fsr-3778	479	7	,	,	PUNCT
fsr-3778	479	8	591	591	NUM
fsr-3778	479	9	-	-	SYM
fsr-3778	479	10	603	603	NUM
fsr-3778	479	11	.	.	PUNCT
fsr-3778	480	1	156	156	NUM
fsr-3778	480	2	financial	financial	ADJ
fsr-3778	480	3	services	service	NOUN
fsr-3778	480	4	review	review	NOUN
fsr-3778	480	5	4(2	4(2	NUM
fsr-3778	480	6	)	)	PUNCT
fsr-3778	480	7	1995	1995	NUM
fsr-3778	480	8	luckett	luckett	PROPN
fsr-3778	480	9	,	,	PUNCT
fsr-3778	480	10	ca	ca	PROPN
fsr-3778	480	11	.	.	PROPN
fsr-3778	480	12	,	,	PUNCT
fsr-3778	480	13	&	&	CCONJ
fsr-3778	480	14	august	august	PROPN
fsr-3778	480	15	,	,	PUNCT
fsr-3778	480	16	j.d	j.d	PROPN
fsr-3778	480	17	.	.	PROPN
fsr-3778	480	18	(	(	PUNCT
fsr-3778	480	19	1985	1985	NUM
fsr-3778	480	20	)	)	PUNCT
fsr-3778	480	21	.	.	PUNCT
fsr-3778	481	1	the	the	DET
fsr-3778	481	2	growth	growth	NOUN
fsr-3778	481	3	of	of	ADP
fsr-3778	481	4	consumer	consumer	NOUN
fsr-3778	481	5	debt	debt	NOUN
fsr-3778	481	6	.	.	PUNCT
fsr-3778	482	1	federal	federal	PROPN
fsr-3778	482	2	reserve	reserve	PROPN
fsr-3778	482	3	bulletin	bulletin	PROPN
fsr-3778	482	4	,	,	PUNCT
fsr-3778	482	5	71(6	71(6	NUM
fsr-3778	482	6	)	)	PUNCT
fsr-3778	482	7	,	,	PUNCT
fsr-3778	482	8	3891102	3891102	NUM
fsr-3778	482	9	.	.	PUNCT
fsr-3778	483	1	lyons	lyons	PROPN
fsr-3778	483	2	,	,	PUNCT
fsr-3778	483	3	f.	f.	PROPN
fsr-3778	483	4	(	(	PUNCT
fsr-3778	483	5	1993	1993	NUM
fsr-3778	483	6	)	)	PUNCT
fsr-3778	483	7	.	.	PUNCT
fsr-3778	484	1	using	use	VERB
fsr-3778	484	2	segmentation	segmentation	NOUN
fsr-3778	484	3	analysis	analysis	NOUN
fsr-3778	484	4	:	:	PUNCT
fsr-3778	484	5	identifying	identify	VERB
fsr-3778	484	6	customer	customer	NOUN
fsr-3778	484	7	segments	segment	NOUN
fsr-3778	484	8	for	for	ADP
fsr-3778	484	9	scoring	score	VERB
fsr-3778	484	10	model	model	NOUN
fsr-3778	484	11	development	development	NOUN
fsr-3778	484	12	.	.	PUNCT
fsr-3778	485	1	credit	credit	NOUN
fsr-3778	485	2	world	world	NOUN
fsr-3778	485	3	,	,	PUNCT
fsr-3778	485	4	81(5	81(5	NUM
fsr-3778	485	5	,	,	PUNCT
fsr-3778	485	6	may	may	AUX
fsr-3778	485	7	/	/	SYM
fsr-3778	485	8	june	june	PROPN
fsr-3778	485	9	)	)	PUNCT
fsr-3778	485	10	,	,	PUNCT
fsr-3778	485	11	36	36	NUM
fsr-3778	485	12	-	-	SYM
fsr-3778	485	13	37	37	NUM
fsr-3778	485	14	.	.	PUNCT
fsr-3778	486	1	lytton	lytton	PROPN
fsr-3778	486	2	,	,	PUNCT
fsr-3778	486	3	r.h	r.h	PROPN
fsr-3778	486	4	.	.	PROPN
fsr-3778	486	5	,	,	PUNCT
fsr-3778	486	6	garman	garman	PROPN
fsr-3778	486	7	,	,	PUNCT
fsr-3778	486	8	e.t	e.t	PROPN
fsr-3778	486	9	.	.	PROPN
fsr-3778	486	10	,	,	PUNCT
fsr-3778	486	11	&	&	CCONJ
fsr-3778	486	12	porter	porter	NOUN
fsr-3778	486	13	,	,	PUNCT
fsr-3778	486	14	n.m	n.m	PROPN
fsr-3778	486	15	.	.	PROPN
fsr-3778	486	16	(	(	PUNCT
fsr-3778	486	17	1991	1991	NUM
fsr-3778	486	18	)	)	PUNCT
fsr-3778	486	19	.	.	PUNCT
fsr-3778	487	1	how	how	SCONJ
fsr-3778	487	2	to	to	PART
fsr-3778	487	3	use	use	VERB
fsr-3778	487	4	financial	financial	ADJ
fsr-3778	487	5	ratios	ratio	NOUN
fsr-3778	487	6	when	when	SCONJ
fsr-3778	487	7	advising	advise	VERB
fsr-3778	487	8	clients	client	NOUN
fsr-3778	487	9	.	.	PUNCT
fsr-3778	488	1	financial	financial	ADJ
fsr-3778	488	2	counseling	counseling	NOUN
fsr-3778	488	3	and	and	CCONJ
fsr-3778	488	4	planning	planning	NOUN
fsr-3778	488	5	,	,	PUNCT
fsr-3778	488	6	2,3	2,3	NOUN
fsr-3778	488	7	-	-	SYM
fsr-3778	488	8	23	23	NUM
fsr-3778	488	9	.	.	PUNCT
fsr-3778	489	1	lytton	lytton	PROPN
fsr-3778	489	2	,	,	PUNCT
fsr-3778	489	3	r.h	r.h	PROPN
fsr-3778	489	4	.	.	PROPN
fsr-3778	489	5	,	,	PUNCT
fsr-3778	489	6	&	&	CCONJ
fsr-3778	489	7	parrott	parrott	PROPN
fsr-3778	489	8	,	,	PUNCT
fsr-3778	489	9	k.r	k.r	PROPN
fsr-3778	489	10	.	.	PROPN
fsr-3778	489	11	(	(	PUNCT
fsr-3778	489	12	1994	1994	NUM
fsr-3778	489	13	)	)	PUNCT
fsr-3778	489	14	.	.	PUNCT
fsr-3778	490	1	could	could	AUX
fsr-3778	490	2	virginians	virginian	NOUN
fsr-3778	490	3	qualify	qualify	VERB
fsr-3778	490	4	for	for	ADP
fsr-3778	490	5	a	a	DET
fsr-3778	490	6	mortgage	mortgage	NOUN
fsr-3778	490	7	today	today	NOUN
fsr-3778	490	8	?	?	PUNCT
fsr-3778	491	1	in	in	ADP
fsr-3778	491	2	a.a	a.a	PROPN
fsr-3778	491	3	.	.	PROPN
fsr-3778	491	4	hertzler	hertzler	PROPN
fsr-3778	491	5	,	,	PUNCT
fsr-3778	491	6	m.j	m.j	PROPN
fsr-3778	491	7	.	.	PROPN
fsr-3778	491	8	sporakowski	sporakowski	PROPN
fsr-3778	491	9	,	,	PUNCT
fsr-3778	491	10	&	&	CCONJ
fsr-3778	491	11	n.l	n.l	PROPN
fsr-3778	491	12	.	.	PROPN
fsr-3778	491	13	templeman	templeman	PROPN
fsr-3778	491	14	(	(	PUNCT
fsr-3778	491	15	eds	ed	NOUN
fsr-3778	491	16	.	.	PUNCT
fsr-3778	491	17	)	)	PUNCT
fsr-3778	491	18	,	,	PUNCT
fsr-3778	491	19	virginia	virginia	PROPN
fsr-3778	491	20	’s	’s	PART
fsr-3778	491	21	families	family	NOUN
fsr-3778	491	22	in	in	ADP
fsr-3778	491	23	a	a	DET
fsr-3778	491	24	changing	change	VERB
fsr-3778	491	25	world	world	NOUN
fsr-3778	491	26	blacksburg	blacksburg	PROPN
fsr-3778	491	27	,	,	PUNCT
fsr-3778	491	28	va	va	NOUN
fsr-3778	491	29	:	:	PUNCT
fsr-3778	491	30	vp1	vp1	PROPN
fsr-3778	491	31	&	&	CCONJ
fsr-3778	491	32	su	su	PROPN
fsr-3778	491	33	college	college	PROPN
fsr-3778	491	34	of	of	ADP
fsr-3778	491	35	human	human	ADJ
fsr-3778	491	36	resources	resource	NOUN
fsr-3778	491	37	.	.	PUNCT
fsr-3778	492	1	makowski	makowski	PROPN
fsr-3778	492	2	,	,	PUNCT
fsr-3778	492	3	p.	p.	NOUN
fsr-3778	492	4	(	(	PUNCT
fsr-3778	492	5	1985	1985	NUM
fsr-3778	492	6	)	)	PUNCT
fsr-3778	492	7	.	.	PUNCT
fsr-3778	493	1	credit	credit	NOUN
fsr-3778	493	2	scoring	scoring	NOUN
fsr-3778	493	3	branches	branch	NOUN
fsr-3778	493	4	out	out	ADP
fsr-3778	493	5	.	.	PUNCT
fsr-3778	494	1	credit	credit	NOUN
fsr-3778	494	2	world	world	NOUN
fsr-3778	494	3	,	,	PUNCT
fsr-3778	494	4	74	74	NUM
fsr-3778	494	5	(	(	PUNCT
fsr-3778	494	6	1	1	NUM
fsr-3778	494	7	,	,	PUNCT
fsr-3778	494	8	november	november	PROPN
fsr-3778	494	9	-	-	PUNCT
fsr-3778	494	10	december	december	PROPN
fsr-3778	494	11	)	)	PUNCT
fsr-3778	494	12	,	,	PUNCT
fsr-3778	494	13	30	30	NUM
fsr-3778	494	14	-	-	SYM
fsr-3778	494	15	37	37	NUM
fsr-3778	494	16	.	.	PUNCT
fsr-3778	495	1	the	the	DET
fsr-3778	495	2	management	management	NOUN
fsr-3778	495	3	of	of	ADP
fsr-3778	495	4	risk	risk	NOUN
fsr-3778	495	5	.	.	PUNCT
fsr-3778	496	1	(	(	PUNCT
fsr-3778	496	2	1988	1988	NUM
fsr-3778	496	3	)	)	PUNCT
fsr-3778	496	4	.	.	PUNCT
fsr-3778	497	1	banking	banking	NOUN
fsr-3778	497	2	world	world	NOUN
fsr-3778	497	3	,	,	PUNCT
fsr-3778	497	4	6	6	NUM
fsr-3778	497	5	(	(	PUNCT
fsr-3778	497	6	lo	lo	PROPN
fsr-3778	497	7	)	)	PUNCT
fsr-3778	497	8	,	,	PUNCT
fsr-3778	497	9	34	34	NUM
fsr-3778	497	10	-	-	SYM
fsr-3778	497	11	36	36	NUM
fsr-3778	497	12	.	.	PUNCT
fsr-3778	498	1	marshall	marshall	PROPN
fsr-3778	498	2	,	,	PUNCT
fsr-3778	498	3	j.	j.	PROPN
fsr-3778	498	4	(	(	PUNCT
fsr-3778	498	5	1992	1992	NUM
fsr-3778	498	6	)	)	PUNCT
fsr-3778	498	7	.	.	PUNCT
fsr-3778	499	1	zap	zap	X
fsr-3778	499	2	-	-	PUNCT
fsr-3778	499	3	the	the	DET
fsr-3778	499	4	computer	computer	NOUN
fsr-3778	499	5	lops	lop	VERB
fsr-3778	499	6	off	off	ADP
fsr-3778	499	7	another	another	DET
fsr-3778	499	8	bad	bad	ADJ
fsr-3778	499	9	risk	risk	NOUN
fsr-3778	499	10	.	.	PUNCT
fsr-3778	500	1	united	united	PROPN
fsr-3778	500	2	states	states	PROPN
fsr-3778	500	3	banker	banker	PROPN
fsr-3778	500	4	,	,	PUNCT
fsr-3778	500	5	102(8	102(8	NUM
fsr-3778	500	6	,	,	PUNCT
fsr-3778	500	7	august	august	PROPN
fsr-3778	500	8	)	)	PUNCT
fsr-3778	500	9	,	,	PUNCT
fsr-3778	500	10	49	49	NUM
fsr-3778	500	11	-	-	SYM
fsr-3778	500	12	50	50	NUM
fsr-3778	500	13	.	.	PUNCT
fsr-3778	501	1	mason	mason	PROPN
fsr-3778	501	2	,	,	PUNCT
fsr-3778	501	3	j.w	j.w	PROPN
fsr-3778	501	4	.	.	PROPN
fsr-3778	501	5	,	,	PUNCT
fsr-3778	501	6	&	&	CCONJ
fsr-3778	501	7	griffith	griffith	PROPN
fsr-3778	501	8	,	,	PUNCT
fsr-3778	501	9	r.	r.	PROPN
fsr-3778	501	10	(	(	PUNCT
fsr-3778	501	11	1988	1988	NUM
fsr-3778	501	12	)	)	PUNCT
fsr-3778	501	13	.	.	PUNCT
fsr-3778	502	1	new	new	ADJ
fsr-3778	502	2	ratios	ratio	NOUN
fsr-3778	502	3	for	for	ADP
fsr-3778	502	4	analyzing	analyze	VERB
fsr-3778	502	5	and	and	CCONJ
fsr-3778	502	6	interpreting	interpret	VERB
fsr-3778	502	7	personal	personal	ADJ
fsr-3778	502	8	financial	financial	ADJ
fsr-3778	502	9	statements	statement	NOUN
fsr-3778	502	10	.	.	PUNCT
fsr-3778	503	1	journal	journal	NOUN
fsr-3778	503	2	of	of	ADP
fsr-3778	503	3	the	the	DET
fsr-3778	503	4	institute	institute	PROPN
fsr-3778	503	5	of	of	ADP
fsr-3778	503	6	certified	certify	VERB
fsr-3778	503	7	financial	financial	ADJ
fsr-3778	503	8	planners	planner	NOUN
fsr-3778	503	9	,	,	PUNCT
fsr-3778	503	10	(	(	PUNCT
fsr-3778	503	11	spring	spring	NOUN
fsr-3778	503	12	)	)	PUNCT
fsr-3778	503	13	,	,	PUNCT
fsr-3778	503	14	71	71	NUM
fsr-3778	503	15	-	-	SYM
fsr-3778	503	16	87	87	NUM
fsr-3778	503	17	.	.	PUNCT
fsr-3778	504	1	mccorkell	mccorkell	PROPN
fsr-3778	504	2	,	,	PUNCT
fsr-3778	504	3	p.l	p.l	PROPN
fsr-3778	504	4	.	.	PROPN
fsr-3778	505	1	(	(	PUNCT
fsr-3778	505	2	1994	1994	NUM
fsr-3778	505	3	)	)	PUNCT
fsr-3778	505	4	.	.	PUNCT
fsr-3778	506	1	regulations	regulation	NOUN
fsr-3778	506	2	of	of	ADP
fsr-3778	506	3	credit	credit	NOUN
fsr-3778	506	4	data	datum	NOUN
fsr-3778	506	5	.	.	PUNCT
fsr-3778	507	1	credit	credit	NOUN
fsr-3778	507	2	world	world	NOUN
fsr-3778	507	3	,	,	PUNCT
fsr-3778	507	4	82(3	82(3	NUM
fsr-3778	507	5	,	,	PUNCT
fsr-3778	507	6	january	january	PROPN
fsr-3778	507	7	-	-	PUNCT
fsr-3778	507	8	february	february	PROPN
fsr-3778	507	9	)	)	PUNCT
fsr-3778	507	10	,	,	PUNCT
fsr-3778	507	11	12	12	NUM
fsr-3778	507	12	-	-	SYM
fsr-3778	507	13	14	14	NUM
fsr-3778	507	14	.	.	PUNCT
fsr-3778	508	1	mierzwinski	mierzwinski	PROPN
fsr-3778	508	2	,	,	PUNCT
fsr-3778	508	3	e.	e.	PROPN
fsr-3778	508	4	(	(	PUNCT
fsr-3778	508	5	1995	1995	NUM
fsr-3778	508	6	)	)	PUNCT
fsr-3778	508	7	.	.	PUNCT
fsr-3778	509	1	creditors	creditor	NOUN
fsr-3778	509	2	should	should	AUX
fsr-3778	509	3	n’t	not	PART
fsr-3778	509	4	be	be	AUX
fsr-3778	509	5	averse	averse	ADJ
fsr-3778	509	6	to	to	ADP
fsr-3778	509	7	helping	help	VERB
fsr-3778	509	8	consumers	consumer	NOUN
fsr-3778	509	9	.	.	PUNCT
fsr-3778	510	1	credit	credit	NOUN
fsr-3778	510	2	wortd	wortd	NOUN
fsr-3778	510	3	,	,	PUNCT
fsr-3778	510	4	83(3	83(3	NUM
fsr-3778	510	5	,	,	PUNCT
fsr-3778	510	6	january	january	PROPN
fsr-3778	510	7	-	-	PUNCT
fsr-3778	510	8	february	february	PROPN
fsr-3778	510	9	)	)	PUNCT
fsr-3778	510	10	,	,	PUNCT
fsr-3778	510	11	29	29	NUM
fsr-3778	510	12	-	-	SYM
fsr-3778	510	13	31	31	NUM
fsr-3778	510	14	.	.	PUNCT
fsr-3778	511	1	o’neill	o’neill	PROPN
fsr-3778	511	2	,	,	PUNCT
fsr-3778	511	3	b.m	b.m	PROPN
fsr-3778	511	4	.	.	PROPN
fsr-3778	511	5	,	,	PUNCT
fsr-3778	511	6	lytton	lytton	PROPN
fsr-3778	511	7	,	,	PUNCT
fsr-3778	511	8	r.h	r.h	PROPN
fsr-3778	511	9	.	.	PROPN
fsr-3778	511	10	,	,	PUNCT
fsr-3778	511	11	&	&	CCONJ
fsr-3778	511	12	parrott	parrott	PROPN
fsr-3778	511	13	,	,	PUNCT
fsr-3778	511	14	k.r	k.r	PROPN
fsr-3778	511	15	.	.	PROPN
fsr-3778	511	16	(	(	PUNCT
fsr-3778	511	17	1995	1995	NUM
fsr-3778	511	18	)	)	PUNCT
fsr-3778	511	19	.	.	PUNCT
fsr-3778	512	1	living	live	VERB
fsr-3778	512	2	on	on	ADP
fsr-3778	512	3	the	the	DET
fsr-3778	512	4	edge	edge	NOUN
fsr-3778	512	5	:	:	PUNCT
fsr-3778	512	6	characteristics	characteristic	NOUN
fsr-3778	512	7	and	and	CCONJ
fsr-3778	512	8	practices	practice	NOUN
fsr-3778	512	9	of	of	ADP
fsr-3778	512	10	overextended	overextended	ADJ
fsr-3778	512	11	homeowners	homeowner	NOUN
fsr-3778	512	12	.	.	PUNCT
fsr-3778	513	1	in	in	ADP
fsr-3778	513	2	s.	s.	PROPN
fsr-3778	513	3	hanna	hanna	PROPN
fsr-3778	513	4	(	(	PUNCT
fsr-3778	513	5	ed	ed	NOUN
fsr-3778	513	6	.	.	PUNCT
fsr-3778	513	7	)	)	PUNCT
fsr-3778	513	8	,	,	PUNCT
fsr-3778	513	9	family	family	NOUN
fsr-3778	513	10	economics	economic	NOUN
fsr-3778	513	11	and	and	CCONJ
fsr-3778	513	12	resource	resource	NOUN
fsr-3778	513	13	management	management	NOUN
fsr-3778	513	14	biennial	biennial	NOUN
fsr-3778	513	15	.	.	PUNCT
fsr-3778	514	1	washington	washington	PROPN
fsr-3778	514	2	,	,	PUNCT
fsr-3778	514	3	dc	dc	PROPN
fsr-3778	514	4	:	:	PUNCT
fsr-3778	514	5	family	family	NOUN
fsr-3778	514	6	economics	economic	NOUN
fsr-3778	514	7	and	and	CCONJ
fsr-3778	514	8	resource	resource	NOUN
fsr-3778	514	9	management	management	NOUN
fsr-3778	514	10	division	division	NOUN
fsr-3778	514	11	,	,	PUNCT
fsr-3778	514	12	american	american	PROPN
fsr-3778	514	13	association	association	PROPN
fsr-3778	514	14	for	for	ADP
fsr-3778	514	15	family	family	NOUN
fsr-3778	514	16	and	and	CCONJ
fsr-3778	514	17	consumer	consumer	NOUN
fsr-3778	514	18	sciences	science	NOUN
fsr-3778	514	19	.	.	PUNCT
fsr-3778	515	1	overstreet	overstreet	PROPN
fsr-3778	515	2	,	,	PUNCT
fsr-3778	515	3	g.a	g.a	PROPN
fsr-3778	515	4	.	.	PROPN
fsr-3778	515	5	,	,	PUNCT
fsr-3778	515	6	&	&	CCONJ
fsr-3778	515	7	kemp	kemp	PROPN
fsr-3778	515	8	,	,	PUNCT
fsr-3778	515	9	r.s	r.s	PROPN
fsr-3778	515	10	.	.	PROPN
fsr-3778	515	11	,	,	PUNCT
fsr-3778	515	12	jr	jr	PROPN
fsr-3778	515	13	.	.	PROPN
fsr-3778	515	14	(	(	PUNCT
fsr-3778	515	15	1986	1986	NUM
fsr-3778	515	16	)	)	PUNCT
fsr-3778	515	17	.	.	PUNCT
fsr-3778	516	1	managerial	managerial	ADJ
fsr-3778	516	2	control	control	NOUN
fsr-3778	516	3	in	in	ADP
fsr-3778	516	4	credit	credit	NOUN
fsr-3778	516	5	scoring	scoring	NOUN
fsr-3778	516	6	systems	system	NOUN
fsr-3778	516	7	.	.	PUNCT
fsr-3778	517	1	journal	journal	NOUN
fsr-3778	517	2	of	of	ADP
fsr-3778	517	3	retail	retail	ADJ
fsr-3778	517	4	banking	banking	NOUN
fsr-3778	517	5	,	,	PUNCT
fsr-3778	517	6	8	8	NUM
fsr-3778	517	7	(	(	PUNCT
fsr-3778	517	8	1	1	NUM
fsr-3778	517	9	&	&	CCONJ
fsr-3778	517	10	2	2	NUM
fsr-3778	517	11	)	)	PUNCT
fsr-3778	517	12	,	,	PUNCT
fsr-3778	517	13	79	79	NUM
fsr-3778	517	14	-	-	SYM
fsr-3778	517	15	86	86	NUM
fsr-3778	517	16	.	.	PUNCT
fsr-3778	518	1	pellegrino	pellegrino	PROPN
fsr-3778	518	2	,	,	PUNCT
fsr-3778	518	3	m.k	m.k	PROPN
fsr-3778	518	4	.	.	PUNCT
fsr-3778	518	5	(	(	PUNCT
fsr-3778	518	6	1988	1988	NUM
fsr-3778	518	7	)	)	PUNCT
fsr-3778	518	8	.	.	PUNCT
fsr-3778	519	1	the	the	DET
fsr-3778	519	2	evolution	evolution	NOUN
fsr-3778	519	3	of	of	ADP
fsr-3778	519	4	scoring	scoring	NOUN
fsr-3778	519	5	in	in	ADP
fsr-3778	519	6	the	the	DET
fsr-3778	519	7	1980s	1980s	NUM
fsr-3778	519	8	.	.	PUNCT
fsr-3778	520	1	credit	credit	NOUN
fsr-3778	520	2	world	world	NOUN
fsr-3778	520	3	,	,	PUNCT
fsr-3778	520	4	77(2	77(2	PRON
fsr-3778	520	5	,	,	PUNCT
fsr-3778	520	6	novemberide	novemberide	PROPN
fsr-3778	520	7	cember	cember	PROPN
fsr-3778	520	8	)	)	PUNCT
fsr-3778	520	9	,	,	PUNCT
fsr-3778	520	10	26	26	NUM
fsr-3778	520	11	-	-	SYM
fsr-3778	520	12	29	29	NUM
fsr-3778	520	13	.	.	PUNCT
fsr-3778	521	1	peterson	peterson	PROPN
fsr-3778	521	2	,	,	PUNCT
fsr-3778	521	3	cm	cm	PROPN
fsr-3778	521	4	.	.	PROPN
fsr-3778	521	5	,	,	PUNCT
fsr-3778	521	6	&	&	CCONJ
fsr-3778	521	7	peterson	peterson	PROPN
fsr-3778	521	8	,	,	PUNCT
fsr-3778	521	9	r.l	r.l	PROPN
fsr-3778	521	10	.	.	PROPN
fsr-3778	521	11	(	(	PUNCT
fsr-3778	521	12	1981	1981	NUM
fsr-3778	521	13	)	)	PUNCT
fsr-3778	521	14	.	.	PUNCT
fsr-3778	522	1	downpayments	downpayment	NOUN
fsr-3778	522	2	,	,	PUNCT
fsr-3778	522	3	borrower	borrower	NOUN
fsr-3778	522	4	characteristics	characteristic	NOUN
fsr-3778	522	5	,	,	PUNCT
fsr-3778	522	6	and	and	CCONJ
fsr-3778	522	7	defaults	default	NOUN
fsr-3778	522	8	.	.	PUNCT
fsr-3778	523	1	journal	journal	NOUN
fsr-3778	523	2	of	of	ADP
fsr-3778	523	3	retail	retail	ADJ
fsr-3778	523	4	banking	banking	NOUN
fsr-3778	523	5	,	,	PUNCT
fsr-3778	523	6	3	3	NUM
fsr-3778	523	7	(	(	PUNCT
fsr-3778	523	8	1	1	NUM
fsr-3778	523	9	,	,	PUNCT
fsr-3778	523	10	march	march	PROPN
fsr-3778	523	11	)	)	PUNCT
fsr-3778	523	12	,	,	PUNCT
fsr-3778	523	13	1	1	NUM
fsr-3778	523	14	-	-	SYM
fsr-3778	523	15	6	6	NUM
fsr-3778	523	16	.	.	PUNCT
fsr-3778	524	1	prather	prather	PROPN
fsr-3778	524	2	,	,	PUNCT
fsr-3778	524	3	c.g	c.g	PROPN
fsr-3778	524	4	.	.	PROPN
fsr-3778	524	5	(	(	PUNCT
fsr-3778	524	6	1990	1990	NUM
fsr-3778	524	7	)	)	PUNCT
fsr-3778	524	8	.	.	PUNCT
fsr-3778	525	1	the	the	DET
fsr-3778	525	2	ratio	ratio	NOUN
fsr-3778	525	3	analysis	analysis	NOUN
fsr-3778	525	4	technique	technique	NOUN
fsr-3778	525	5	applied	apply	VERB
fsr-3778	525	6	to	to	ADP
fsr-3778	525	7	personal	personal	ADJ
fsr-3778	525	8	financial	financial	ADJ
fsr-3778	525	9	statements	statement	NOUN
fsr-3778	525	10	:	:	PUNCT
fsr-3778	525	11	develop	develop	VERB
fsr-3778	525	12	ment	ment	NOUN
fsr-3778	525	13	of	of	ADP
fsr-3778	525	14	household	household	NOUN
fsr-3778	525	15	norms	norm	NOUN
fsr-3778	525	16	.	.	PUNCT
fsr-3778	526	1	financial	financial	ADJ
fsr-3778	526	2	counseling	counseling	NOUN
fsr-3778	526	3	and	and	CCONJ
fsr-3778	526	4	planning	planning	NOUN
fsr-3778	526	5	,	,	PUNCT
fsr-3778	526	6	1.53	1.53	NUM
fsr-3778	526	7	-	-	SYM
fsr-3778	526	8	69	69	NUM
fsr-3778	526	9	.	.	PUNCT
fsr-3778	527	1	pressel	pressel	PROPN
fsr-3778	527	2	,	,	PUNCT
fsr-3778	527	3	j.r	j.r	PROPN
fsr-3778	527	4	.	.	PROPN
fsr-3778	527	5	(	(	PUNCT
fsr-3778	527	6	1991	1991	NUM
fsr-3778	527	7	)	)	PUNCT
fsr-3778	527	8	.	.	PUNCT
fsr-3778	528	1	tools	tool	NOUN
fsr-3778	528	2	of	of	ADP
fsr-3778	528	3	the	the	DET
fsr-3778	528	4	trade	trade	NOUN
fsr-3778	528	5	:	:	PUNCT
fsr-3778	528	6	financial	financial	ADJ
fsr-3778	528	7	statements	statement	NOUN
fsr-3778	528	8	.	.	PUNCT
fsr-3778	529	1	business	business	NOUN
fsr-3778	529	2	credit	credit	NOUN
fsr-3778	529	3	,	,	PUNCT
fsr-3778	529	4	93(2	93(2	NOUN
fsr-3778	529	5	)	)	PUNCT
fsr-3778	529	6	,	,	PUNCT
fsr-3778	529	7	12	12	NUM
fsr-3778	529	8	-	-	SYM
fsr-3778	529	9	14	14	NUM
fsr-3778	529	10	.	.	PUNCT
fsr-3778	530	1	radding	radde	VERB
fsr-3778	530	2	,	,	PUNCT
fsr-3778	530	3	a.	a.	NOUN
fsr-3778	530	4	(	(	PUNCT
fsr-3778	530	5	1992	1992	NUM
fsr-3778	530	6	)	)	PUNCT
fsr-3778	530	7	.	.	PUNCT
fsr-3778	531	1	credit	credit	NOUN
fsr-3778	531	2	scoring	scoring	NOUN
fsr-3778	531	3	’s	’s	PART
fsr-3778	531	4	new	new	ADJ
fsr-3778	531	5	frontier	frontier	NOUN
fsr-3778	531	6	.	.	PUNCT
fsr-3778	532	1	bank	bank	NOUN
fsr-3778	532	2	management	management	PROPN
fsr-3778	532	3	,	,	PUNCT
fsr-3778	532	4	68(september	68(september	NUM
fsr-3778	532	5	)	)	PUNCT
fsr-3778	532	6	,	,	PUNCT
fsr-3778	532	7	57	57	NUM
fsr-3778	532	8	-	-	SYM
fsr-3778	532	9	62	62	NUM
fsr-3778	532	10	.	.	PUNCT
fsr-3778	533	1	robins	robin	NOUN
fsr-3778	533	2	,	,	PUNCT
fsr-3778	533	3	g.	g.	PROPN
fsr-3778	533	4	(	(	PUNCT
fsr-3778	533	5	1992	1992	NUM
fsr-3778	533	6	)	)	PUNCT
fsr-3778	533	7	.	.	PUNCT
fsr-3778	534	1	scoring	scoring	NOUN
fsr-3778	534	2	:	:	PUNCT
fsr-3778	534	3	retailers	retailer	NOUN
fsr-3778	534	4	are	be	AUX
fsr-3778	534	5	finding	find	VERB
fsr-3778	534	6	new	new	ADJ
fsr-3778	534	7	uses	use	NOUN
fsr-3778	534	8	for	for	ADP
fsr-3778	534	9	the	the	DET
fsr-3778	534	10	technique	technique	NOUN
fsr-3778	534	11	.	.	PUNCT
fsr-3778	535	1	stores	store	NOUN
fsr-3778	535	2	,	,	PUNCT
fsr-3778	535	3	(	(	PUNCT
fsr-3778	535	4	september	september	PROPN
fsr-3778	535	5	)	)	PUNCT
fsr-3778	535	6	,	,	PUNCT
fsr-3778	535	7	45	45	NUM
fsr-3778	535	8	.	.	PUNCT
fsr-3778	535	9	robins	robin	NOUN
fsr-3778	535	10	,	,	PUNCT
fsr-3778	535	11	g.	g.	PROPN
fsr-3778	535	12	(	(	PUNCT
fsr-3778	535	13	1993	1993	NUM
fsr-3778	535	14	)	)	PUNCT
fsr-3778	535	15	.	.	PUNCT
fsr-3778	536	1	credit	credit	NOUN
fsr-3778	536	2	scoring	scoring	NOUN
fsr-3778	536	3	:	:	PUNCT
fsr-3778	536	4	can	can	AUX
fsr-3778	536	5	retailers	retailer	NOUN
fsr-3778	536	6	benefit	benefit	VERB
fsr-3778	536	7	from	from	ADP
fsr-3778	536	8	neural	neural	ADJ
fsr-3778	536	9	networks	network	NOUN
fsr-3778	536	10	?	?	PUNCT
fsr-3778	537	1	stores	store	NOUN
fsr-3778	537	2	,	,	PUNCT
fsr-3778	537	3	75(april	75(april	NUM
fsr-3778	537	4	)	)	PUNCT
fsr-3778	537	5	,	,	PUNCT
fsr-3778	537	6	34	34	NUM
fsr-3778	537	7	-	-	SYM
fsr-3778	537	8	35	35	NUM
fsr-3778	537	9	.	.	PUNCT
fsr-3778	538	1	rosenberg	rosenberg	PROPN
fsr-3778	538	2	,	,	PUNCT
fsr-3778	538	3	e.	e.	PROPN
fsr-3778	538	4	,	,	PUNCT
fsr-3778	538	5	&	&	CCONJ
fsr-3778	538	6	gleit	gleit	PROPN
fsr-3778	538	7	,	,	PUNCT
fsr-3778	538	8	a.	a.	NOUN
fsr-3778	538	9	(	(	PUNCT
fsr-3778	538	10	1994	1994	NUM
fsr-3778	538	11	)	)	PUNCT
fsr-3778	538	12	.	.	PUNCT
fsr-3778	539	1	quantitative	quantitative	ADJ
fsr-3778	539	2	methods	method	NOUN
fsr-3778	539	3	in	in	ADP
fsr-3778	539	4	credit	credit	NOUN
fsr-3778	539	5	management	management	NOUN
fsr-3778	539	6	:	:	PUNCT
fsr-3778	539	7	a	a	DET
fsr-3778	539	8	survey	survey	NOUN
fsr-3778	539	9	.	.	PUNCT
fsr-3778	540	1	operations	operation	NOUN
fsr-3778	540	2	research	research	NOUN
fsr-3778	540	3	,	,	PUNCT
fsr-3778	540	4	#	#	SYM
fsr-3778	540	5	2(4	2(4	NUM
fsr-3778	540	6	,	,	PUNCT
fsr-3778	540	7	july	july	PROPN
fsr-3778	540	8	-	-	PUNCT
fsr-3778	540	9	august	august	PROPN
fsr-3778	540	10	)	)	PUNCT
fsr-3778	540	11	,	,	PUNCT
fsr-3778	540	12	589	589	NUM
fsr-3778	540	13	-	-	SYM
fsr-3778	540	14	613	613	NUM
fsr-3778	540	15	.	.	PUNCT
fsr-3778	540	16	scheld	scheld	PROPN
fsr-3778	540	17	,	,	PUNCT
fsr-3778	540	18	k.a	k.a	PROPN
fsr-3778	540	19	.	.	PROPN
fsr-3778	540	20	(	(	PUNCT
fsr-3778	540	21	1993	1993	NUM
fsr-3778	540	22	)	)	PUNCT
fsr-3778	540	23	.	.	PUNCT
fsr-3778	541	1	debt	debt	NOUN
fsr-3778	541	2	in	in	ADP
fsr-3778	541	3	the	the	DET
fsr-3778	541	4	1990s	1990s	NUM
fsr-3778	541	5	.	.	PUNCT
fsr-3778	542	1	chicago	chicago	PROPN
fsr-3778	542	2	fed	fed	PROPN
fsr-3778	542	3	letter	letter	PROPN
fsr-3778	542	4	,	,	PUNCT
fsr-3778	542	5	the	the	DET
fsr-3778	542	6	federal	federal	PROPN
fsr-3778	542	7	reserve	reserve	PROPN
fsr-3778	542	8	bank	bank	PROPN
fsr-3778	542	9	of	of	ADP
fsr-3778	542	10	chicago	chicago	PROPN
fsr-3778	542	11	,	,	PUNCT
fsr-3778	542	12	69(may	69(may	NOUN
fsr-3778	542	13	)	)	PUNCT
fsr-3778	542	14	.	.	PUNCT
fsr-3778	543	1	shepard	shepard	NOUN
fsr-3778	543	2	,	,	PUNCT
fsr-3778	543	3	l.	l.	PROPN
fsr-3778	543	4	(	(	PUNCT
fsr-3778	543	5	1984	1984	NUM
fsr-3778	543	6	)	)	PUNCT
fsr-3778	543	7	.	.	PUNCT
fsr-3778	544	1	accounting	account	VERB
fsr-3778	544	2	for	for	ADP
fsr-3778	544	3	the	the	DET
fsr-3778	544	4	rise	rise	NOUN
fsr-3778	544	5	in	in	ADP
fsr-3778	544	6	consumer	consumer	NOUN
fsr-3778	544	7	bankruptcy	bankruptcy	NOUN
fsr-3778	544	8	rates	rate	NOUN
fsr-3778	544	9	in	in	ADP
fsr-3778	544	10	the	the	DET
fsr-3778	544	11	united	united	PROPN
fsr-3778	544	12	states	states	PROPN
fsr-3778	544	13	:	:	PUNCT
fsr-3778	544	14	a	a	DET
fsr-3778	544	15	preliminary	preliminary	ADJ
fsr-3778	544	16	analysis	analysis	NOUN
fsr-3778	544	17	of	of	ADP
fsr-3778	544	18	aggregate	aggregate	ADJ
fsr-3778	544	19	data	datum	NOUN
fsr-3778	544	20	(	(	PUNCT
fsr-3778	544	21	1945	1945	NUM
fsr-3778	544	22	-	-	SYM
fsr-3778	544	23	198	198	NUM
fsr-3778	544	24	1	1	NUM
fsr-3778	544	25	)	)	PUNCT
fsr-3778	544	26	.	.	PUNCT
fsr-3778	545	1	the	the	DET
fsr-3778	545	2	journal	journal	NOUN
fsr-3778	545	3	of	of	ADP
fsr-3778	545	4	consumer	consumer	NOUN
fsr-3778	545	5	affairs	affair	NOUN
fsr-3778	545	6	,	,	PUNCT
fsr-3778	545	7	18(2	18(2	NUM
fsr-3778	545	8	)	)	PUNCT
fsr-3778	545	9	,	,	PUNCT
fsr-3778	545	10	213	213	NUM
fsr-3778	545	11	-	-	SYM
fsr-3778	545	12	229	229	NUM
fsr-3778	545	13	.	.	PUNCT
fsr-3778	546	1	singletary	singletary	PROPN
fsr-3778	546	2	,	,	PUNCT
fsr-3778	546	3	m.	m.	NOUN
fsr-3778	546	4	(	(	PUNCT
fsr-3778	546	5	1993	1993	NUM
fsr-3778	546	6	)	)	PUNCT
fsr-3778	546	7	.	.	PUNCT
fsr-3778	547	1	bankruptcy	bankruptcy	NOUN
fsr-3778	547	2	filings	filing	NOUN
fsr-3778	547	3	hit	hit	VERB
fsr-3778	547	4	record	record	NOUN
fsr-3778	547	5	high	high	NOUN
fsr-3778	547	6	.	.	PUNCT
fsr-3778	548	1	washington	washington	PROPN
fsr-3778	548	2	post	post	PROPN
fsr-3778	548	3	,	,	PUNCT
fsr-3778	548	4	(	(	PUNCT
fsr-3778	548	5	january	january	PROPN
fsr-3778	548	6	12	12	NUM
fsr-3778	548	7	)	)	PUNCT
fsr-3778	548	8	.	.	PUNCT
fsr-3778	549	1	cl	cl	NOUN
fsr-3778	549	2	.	.	PUNCT
fsr-3778	550	1	sullivan	sullivan	PROPN
fsr-3778	550	2	,	,	PUNCT
fsr-3778	550	3	c.	c.	PROPN
fsr-3778	550	4	,	,	PUNCT
fsr-3778	550	5	&	&	CCONJ
fsr-3778	550	6	fisher	fisher	PROPN
fsr-3778	550	7	,	,	PUNCT
fsr-3778	550	8	r.m	r.m	PROPN
fsr-3778	550	9	.	.	PROPN
fsr-3778	550	10	(	(	PUNCT
fsr-3778	550	11	1988	1988	NUM
fsr-3778	550	12	)	)	PUNCT
fsr-3778	550	13	.	.	PUNCT
fsr-3778	551	1	consumer	consumer	NOUN
fsr-3778	551	2	credit	credit	NOUN
fsr-3778	551	3	delinquency	delinquency	NOUN
fsr-3778	551	4	risk	risk	NOUN
fsr-3778	551	5	:	:	PUNCT
fsr-3778	551	6	characteristics	characteristic	NOUN
fsr-3778	551	7	of	of	ADP
fsr-3778	551	8	consumers	consumer	NOUN
fsr-3778	551	9	who	who	PRON
fsr-3778	551	10	fall	fall	VERB
fsr-3778	551	11	behind	behind	ADP
fsr-3778	551	12	.	.	PUNCT
fsr-3778	552	1	journal	journal	NOUN
fsr-3778	552	2	of	of	ADP
fsr-3778	552	3	retail	retail	ADJ
fsr-3778	552	4	banking	banking	NOUN
fsr-3778	552	5	,	,	PUNCT
fsr-3778	552	6	lo(3	lo(3	NOUN
fsr-3778	552	7	,	,	PUNCT
fsr-3778	552	8	fall	fall	NOUN
fsr-3778	552	9	)	)	PUNCT
fsr-3778	552	10	,	,	PUNCT
fsr-3778	552	11	53	53	NUM
fsr-3778	552	12	-	-	SYM
fsr-3778	552	13	64	64	NUM
fsr-3778	552	14	.	.	PUNCT
fsr-3778	553	1	sullivan	sullivan	PROPN
fsr-3778	553	2	,	,	PUNCT
fsr-3778	553	3	t.a	t.a	PROPN
fsr-3778	553	4	.	.	PROPN
fsr-3778	553	5	,	,	PUNCT
fsr-3778	553	6	warren	warren	PROPN
fsr-3778	553	7	,	,	PUNCT
fsr-3778	553	8	e.	e.	PROPN
fsr-3778	553	9	,	,	PUNCT
fsr-3778	553	10	&	&	CCONJ
fsr-3778	553	11	westbrook	westbrook	PROPN
fsr-3778	553	12	,	,	PUNCT
fsr-3778	553	13	j.l	j.l	PROPN
fsr-3778	553	14	.	.	PROPN
fsr-3778	553	15	(	(	PUNCT
fsr-3778	553	16	1989	1989	NUM
fsr-3778	553	17	)	)	PUNCT
fsr-3778	553	18	.	.	PUNCT
fsr-3778	554	1	as	as	SCONJ
fsr-3778	554	2	we	we	PRON
fsr-3778	554	3	forgive	forgive	VERB
fsr-3778	554	4	our	our	PRON
fsr-3778	554	5	debtors	debtor	NOUN
fsr-3778	554	6	:	:	PUNCT
fsr-3778	554	7	bankruptcy	bankruptcy	NOUN
fsr-3778	554	8	and	and	CCONJ
fsr-3778	554	9	consumer	consumer	NOUN
fsr-3778	554	10	credit	credit	NOUN
fsr-3778	554	11	in	in	ADP
fsr-3778	554	12	america	america	PROPN
fsr-3778	554	13	.	.	PUNCT
fsr-3778	555	1	new	new	PROPN
fsr-3778	555	2	york	york	PROPN
fsr-3778	555	3	:	:	PUNCT
fsr-3778	555	4	oxford	oxford	PROPN
fsr-3778	555	5	university	university	PROPN
fsr-3778	555	6	press	press	NOUN
fsr-3778	555	7	.	.	PUNCT
fsr-3778	556	1	wagner	wagner	PROPN
fsr-3778	556	2	,	,	PUNCT
fsr-3778	556	3	g.m	g.m	PROPN
fsr-3778	556	4	.	.	PROPN
fsr-3778	556	5	,	,	PUNCT
fsr-3778	556	6	reichart	reichart	PROPN
fsr-3778	556	7	,	,	PUNCT
fsr-3778	556	8	a.k	a.k	PROPN
fsr-3778	556	9	.	.	PROPN
fsr-3778	556	10	,	,	PUNCT
fsr-3778	556	11	&	&	CCONJ
fsr-3778	556	12	cho	cho	PROPN
fsr-3778	556	13	,	,	PUNCT
fsr-3778	556	14	c.	c.	PROPN
fsr-3778	556	15	(	(	PUNCT
fsr-3778	556	16	1983	1983	NUM
fsr-3778	556	17	)	)	PUNCT
fsr-3778	556	18	.	.	PUNCT
fsr-3778	557	1	credit	credit	NOUN
fsr-3778	557	2	scoring	scoring	NOUN
fsr-3778	557	3	,	,	PUNCT
fsr-3778	557	4	part	part	PROPN
fsr-3778	557	5	ii	ii	PROPN
fsr-3778	557	6	:	:	PUNCT
fsr-3778	557	7	conceptual	conceptual	ADJ
fsr-3778	557	8	issues	issue	NOUN
fsr-3778	557	9	in	in	ADP
fsr-3778	557	10	credit	credit	NOUN
fsr-3778	557	11	scoring	scoring	NOUN
fsr-3778	557	12	models	model	NOUN
fsr-3778	557	13	.	.	PUNCT
fsr-3778	558	1	the	the	DET
fsr-3778	558	2	credit	credit	NOUN
fsr-3778	558	3	world	world	NOUN
fsr-3778	558	4	,	,	PUNCT
fsr-3778	558	5	71(6	71(6	NUM
fsr-3778	558	6	,	,	PUNCT
fsr-3778	558	7	july	july	PROPN
fsr-3778	558	8	-	-	PUNCT
fsr-3778	558	9	august	august	PROPN
fsr-3778	558	10	)	)	PUNCT
fsr-3778	558	11	,	,	PUNCT
fsr-3778	558	12	22	22	NUM
fsr-3778	558	13	-	-	SYM
fsr-3778	558	14	28	28	NUM
fsr-3778	558	15	.	.	PUNCT
fsr-3778	559	1	who	who	PRON
fsr-3778	559	2	will	will	AUX
fsr-3778	559	3	go	go	VERB
fsr-3778	559	4	bankrupt	bankrupt	ADJ
fsr-3778	559	5	?	?	PUNCT
fsr-3778	560	1	(	(	PUNCT
fsr-3778	560	2	1992	1992	NUM
fsr-3778	560	3	)	)	PUNCT
fsr-3778	560	4	.	.	PUNCT
fsr-3778	561	1	u.s	u.s	PROPN
fsr-3778	561	2	.	.	PROPN
fsr-3778	561	3	banker	banker	NOUN
fsr-3778	561	4	,	,	PUNCT
fsr-3778	561	5	102(9	102(9	NUM
fsr-3778	561	6	)	)	PUNCT
fsr-3778	561	7	,	,	PUNCT
fsr-3778	561	8	47	47	NUM
fsr-3778	561	9	-	-	SYM
fsr-3778	561	10	5	5	NUM
fsr-3778	561	11	1	1	NUM
fsr-3778	561	12	.	.	PUNCT