id	sid	tid	token	lemma	pos
fsr-3779	1	1	pii	pii	PROPN
fsr-3779	1	2	:	:	PUNCT
fsr-3779	1	3	1057	1057	NUM
fsr-3779	1	4	-	-	SYM
fsr-3779	1	5	0810(95)90009	0810(95)90009	NUM
fsr-3779	1	6	-	-	PUNCT
fsr-3779	1	7	8	8	NUM
fsr-3779	1	8	financial	financial	ADJ
fsr-3779	1	9	services	service	NOUN
fsr-3779	1	10	review	review	NOUN
fsr-3779	1	11	,	,	PUNCT
fsr-3779	1	12	4(2	4(2	NUM
fsr-3779	1	13	):	):	PUNCT
fsr-3779	1	14	157	157	NUM
fsr-3779	1	15	-	-	SYM
fsr-3779	1	16	162	162	NUM
fsr-3779	1	17	copyright	copyright	NOUN
fsr-3779	1	18	0	0	NUM
fsr-3779	1	19	1995	1995	NUM
fsr-3779	1	20	by	by	ADP
fsr-3779	1	21	jai	jai	PROPN
fsr-3779	1	22	press	press	PROPN
fsr-3779	1	23	inc	inc	PROPN
fsr-3779	1	24	.	.	PROPN
fsr-3779	1	25	issn	issn	PROPN
fsr-3779	1	26	:	:	PUNCT
fsr-3779	1	27	1057	1057	NUM
fsr-3779	1	28	-	-	SYM
fsr-3779	1	29	0810	0810	NUM
fsr-3779	1	30	all	all	DET
fsr-3779	1	31	rights	right	NOUN
fsr-3779	1	32	of	of	ADP
fsr-3779	1	33	reproduction	reproduction	NOUN
fsr-3779	1	34	in	in	ADP
fsr-3779	1	35	any	any	DET
fsr-3779	1	36	form	form	NOUN
fsr-3779	1	37	reserved	reserve	VERB
fsr-3779	1	38	.	.	PUNCT
fsr-3779	2	1	abstracts	abstract	NOUN
fsr-3779	2	2	of	of	ADP
fsr-3779	2	3	articles	article	NOUN
fsr-3779	2	4	on	on	ADP
fsr-3779	2	5	individual	individual	ADJ
fsr-3779	2	6	financial	financial	ADJ
fsr-3779	2	7	management	management	NOUN
fsr-3779	2	8	edited	edit	VERB
fsr-3779	2	9	by	by	ADP
fsr-3779	2	10	phyllis	phyllis	PROPN
fsr-3779	2	11	schiller	schiller	PROPN
fsr-3779	2	12	myers	myers	PROPN
fsr-3779	2	13	virginia	virginia	PROPN
fsr-3779	2	14	commonwealth	commonwealth	PROPN
fsr-3779	2	15	university	university	PROPN
fsr-3779	2	16	consumption	consumption	NOUN
fsr-3779	2	17	-	-	PUNCT
fsr-3779	2	18	savings	saving	NOUN
fsr-3779	2	19	behavior	behavior	NOUN
fsr-3779	2	20	credit	credit	NOUN
fsr-3779	2	21	cards	card	NOUN
fsr-3779	2	22	and	and	CCONJ
fsr-3779	2	23	household	household	NOUN
fsr-3779	2	24	demand	demand	NOUN
fsr-3779	2	25	for	for	ADP
fsr-3779	2	26	monetary	monetary	ADJ
fsr-3779	2	27	assets	asset	NOUN
fsr-3779	2	28	:	:	PUNCT
fsr-3779	2	29	a	a	DET
fsr-3779	2	30	cross	cross	ADJ
fsr-3779	2	31	-	-	ADJ
fsr-3779	2	32	sectional	sectional	ADJ
fsr-3779	2	33	study	study	NOUN
fsr-3779	2	34	,	,	PUNCT
fsr-3779	2	35	by	by	ADP
fsr-3779	2	36	john	john	PROPN
fsr-3779	2	37	v.	v.	PROPN
fsr-3779	2	38	duca	duca	PROPN
fsr-3779	2	39	(	(	PUNCT
fsr-3779	2	40	federal	federal	PROPN
fsr-3779	2	41	reserve	reserve	PROPN
fsr-3779	2	42	bank	bank	PROPN
fsr-3779	2	43	of	of	ADP
fsr-3779	2	44	dallas	dallas	PROPN
fsr-3779	2	45	)	)	PUNCT
fsr-3779	2	46	and	and	CCONJ
fsr-3779	2	47	william	william	PROPN
fsr-3779	2	48	c.	c.	PROPN
fsr-3779	2	49	whitesell	whitesell	PROPN
fsr-3779	2	50	(	(	PUNCT
fsr-3779	2	51	board	board	NOUN
fsr-3779	2	52	of	of	ADP
fsr-3779	2	53	governors	governor	NOUN
fsr-3779	2	54	of	of	ADP
fsr-3779	2	55	the	the	DET
fsr-3779	2	56	federal	federal	PROPN
fsr-3779	2	57	reserve	reserve	PROPN
fsr-3779	2	58	system	system	PROPN
fsr-3779	2	59	)	)	PUNCT
fsr-3779	2	60	this	this	DET
fsr-3779	2	61	study	study	NOUN
fsr-3779	2	62	investigates	investigate	VERB
fsr-3779	2	63	credit	credit	NOUN
fsr-3779	2	64	card	card	NOUN
fsr-3779	2	65	holdings	holding	NOUN
fsr-3779	2	66	and	and	CCONJ
fsr-3779	2	67	the	the	DET
fsr-3779	2	68	household	household	NOUN
fsr-3779	2	69	demands	demand	NOUN
fsr-3779	2	70	for	for	ADP
fsr-3779	2	71	several	several	ADJ
fsr-3779	2	72	monetary	monetary	ADJ
fsr-3779	2	73	assets	asset	NOUN
fsr-3779	2	74	in	in	ADP
fsr-3779	2	75	a	a	DET
fsr-3779	2	76	simultaneous	simultaneous	ADJ
fsr-3779	2	77	equations	equation	NOUN
fsr-3779	2	78	framework	framework	NOUN
fsr-3779	2	79	.	.	PUNCT
fsr-3779	3	1	it	it	PRON
fsr-3779	3	2	exploits	exploit	VERB
fsr-3779	3	3	the	the	DET
fsr-3779	3	4	detailed	detailed	ADJ
fsr-3779	3	5	data	datum	NOUN
fsr-3779	3	6	on	on	ADP
fsr-3779	3	7	household	household	NOUN
fsr-3779	3	8	assets	asset	NOUN
fsr-3779	3	9	,	,	PUNCT
fsr-3779	3	10	as	as	ADV
fsr-3779	3	11	well	well	ADV
fsr-3779	3	12	as	as	ADP
fsr-3779	3	13	demographic	demographic	ADJ
fsr-3779	3	14	and	and	CCONJ
fsr-3779	3	15	preference	preference	NOUN
fsr-3779	3	16	characteristics	characteristic	NOUN
fsr-3779	3	17	in	in	ADP
fsr-3779	3	18	the	the	DET
fsr-3779	3	19	1983	1983	NUM
fsr-3779	3	20	survey	survey	NOUN
fsr-3779	3	21	of	of	ADP
fsr-3779	3	22	consumer	consumer	NOUN
fsr-3779	3	23	finances	finance	NOUN
fsr-3779	3	24	.	.	PUNCT
fsr-3779	4	1	a	a	DET
fsr-3779	4	2	key	key	ADJ
fsr-3779	4	3	finding	finding	NOUN
fsr-3779	4	4	is	be	AUX
fsr-3779	4	5	that	that	SCONJ
fsr-3779	4	6	,	,	PUNCT
fsr-3779	4	7	consistent	consistent	ADJ
fsr-3779	4	8	with	with	ADP
fsr-3779	4	9	theory	theory	NOUN
fsr-3779	4	10	,	,	PUNCT
fsr-3779	4	11	a	a	DET
fsr-3779	4	12	higher	high	ADJ
fsr-3779	4	13	probability	probability	NOUN
fsr-3779	4	14	of	of	ADP
fsr-3779	4	15	credit	credit	NOUN
fsr-3779	4	16	card	card	NOUN
fsr-3779	4	17	ownership	ownership	NOUN
fsr-3779	4	18	implies	imply	VERB
fsr-3779	4	19	lower	low	ADJ
fsr-3779	4	20	demand	demand	NOUN
fsr-3779	4	21	for	for	ADP
fsr-3779	4	22	transaction	transaction	NOUN
fsr-3779	4	23	balances	balance	NOUN
fsr-3779	4	24	with	with	ADP
fsr-3779	4	25	no	no	DET
fsr-3779	4	26	effect	effect	NOUN
fsr-3779	4	27	on	on	ADP
fsr-3779	4	28	small	small	ADJ
fsr-3779	4	29	time	time	NOUN
fsr-3779	4	30	deposit	deposit	NOUN
fsr-3779	4	31	balances	balance	NOUN
fsr-3779	4	32	.	.	PUNCT
fsr-3779	5	1	journal	journal	NOUN
fsr-3779	5	2	of	of	ADP
fsr-3779	5	3	money	money	NOUN
fsr-3779	5	4	,	,	PUNCT
fsr-3779	5	5	credit	credit	NOUN
fsr-3779	5	6	and	and	CCONJ
fsr-3779	5	7	banking	banking	NOUN
fsr-3779	5	8	,	,	PUNCT
fsr-3779	5	9	may	may	AUX
fsr-3779	5	10	1995,27(2	1995,27(2	NUM
fsr-3779	5	11	):	):	PUNCT
fsr-3779	5	12	604	604	NUM
fsr-3779	5	13	-	-	SYM
fsr-3779	5	14	623	623	NUM
fsr-3779	5	15	.	.	PUNCT
fsr-3779	6	1	(	(	PUNCT
fsr-3779	6	2	reprinted	reprint	VERB
fsr-3779	6	3	with	with	ADP
fsr-3779	6	4	permission	permission	NOUN
fsr-3779	6	5	of	of	ADP
fsr-3779	6	6	the	the	DET
fsr-3779	6	7	journal	journal	NOUN
fsr-3779	6	8	of	of	ADP
fsr-3779	6	9	money	money	NOUN
fsr-3779	6	10	,	,	PUNCT
fsr-3779	6	11	credit	credit	NOUN
fsr-3779	6	12	and	and	CCONJ
fsr-3779	6	13	banking	banking	NOUN
fsr-3779	6	14	.	.	PUNCT
fsr-3779	6	15	)	)	PUNCT
fsr-3779	7	1	are	be	AUX
fsr-3779	7	2	rising	rise	VERB
fsr-3779	7	3	earnings	earning	NOUN
fsr-3779	7	4	profdes	profde	VERB
fsr-3779	7	5	a	a	DET
fsr-3779	7	6	forced	force	VERB
fsr-3779	7	7	-	-	PUNCT
fsr-3779	7	8	saving	save	VERB
fsr-3779	7	9	mechanism	mechanism	NOUN
fsr-3779	7	10	?	?	PUNCT
fsr-3779	8	1	by	by	ADP
fsr-3779	8	2	david	david	PROPN
fsr-3779	8	3	neumark	neumark	PROPN
fsr-3779	8	4	this	this	DET
fsr-3779	8	5	paper	paper	NOUN
fsr-3779	8	6	tests	test	VERB
fsr-3779	8	7	the	the	DET
fsr-3779	8	8	hypothesis	hypothesis	NOUN
fsr-3779	8	9	that	that	SCONJ
fsr-3779	8	10	rising	rise	VERB
fsr-3779	8	11	earnings	earning	NOUN
fsr-3779	8	12	profiles	profile	NOUN
fsr-3779	8	13	are	be	AUX
fsr-3779	8	14	a	a	DET
fsr-3779	8	15	mechanism	mechanism	NOUN
fsr-3779	8	16	by	by	ADP
fsr-3779	8	17	which	which	PRON
fsr-3779	8	18	individuals	individual	NOUN
fsr-3779	8	19	engage	engage	VERB
fsr-3779	8	20	in	in	ADP
fsr-3779	8	21	forced	force	VERB
fsr-3779	8	22	saving	saving	NOUN
fsr-3779	8	23	.	.	PUNCT
fsr-3779	9	1	it	it	PRON
fsr-3779	9	2	does	do	VERB
fsr-3779	9	3	this	this	PRON
fsr-3779	9	4	by	by	ADP
fsr-3779	9	5	examining	examine	VERB
fsr-3779	9	6	the	the	DET
fsr-3779	9	7	cross	cross	ADJ
fsr-3779	9	8	-	-	ADJ
fsr-3779	9	9	sectional	sectional	ADJ
fsr-3779	9	10	relation	relation	NOUN
fsr-3779	9	11	ship	ship	NOUN
fsr-3779	9	12	between	between	ADP
fsr-3779	9	13	overwithholding	overwithholde	VERB
fsr-3779	9	14	on	on	ADP
fsr-3779	9	15	income	income	NOUN
fsr-3779	9	16	tax	tax	NOUN
fsr-3779	9	17	payments	payment	NOUN
fsr-3779	9	18	-	-	PUNCT
fsr-3779	9	19	behaviour	behaviour	NOUN
fsr-3779	9	20	that	that	PRON
fsr-3779	9	21	is	be	AUX
fsr-3779	9	22	consistent	consistent	ADJ
fsr-3779	9	23	with	with	ADP
fsr-3779	9	24	a	a	DET
fsr-3779	9	25	preference	preference	NOUN
fsr-3779	9	26	for	for	ADP
fsr-3779	9	27	forced	force	VERB
fsr-3779	9	28	saving	saving	NOUN
fsr-3779	9	29	-	-	PUNCT
fsr-3779	9	30	and	and	CCONJ
fsr-3779	9	31	the	the	DET
fsr-3779	9	32	slopes	slope	NOUN
fsr-3779	9	33	of	of	ADP
fsr-3779	9	34	age	age	NOUN
fsr-3779	9	35	-	-	PUNCT
fsr-3779	9	36	earnings	earning	NOUN
fsr-3779	9	37	profiles	profile	NOUN
fsr-3779	9	38	.	.	PUNCT
fsr-3779	10	1	the	the	DET
fsr-3779	10	2	forced	force	VERB
fsr-3779	10	3	-	-	PUNCT
fsr-3779	10	4	saving	save	VERB
fsr-3779	10	5	hypothesis	hypothesis	NOUN
fsr-3779	10	6	receives	receive	VERB
fsr-3779	10	7	support	support	NOUN
fsr-3779	10	8	from	from	ADP
fsr-3779	10	9	earnings	earning	NOUN
fsr-3779	10	10	regression	regression	NOUN
fsr-3779	10	11	estimates	estimate	NOUN
fsr-3779	10	12	.	.	PUNCT
fsr-3779	11	1	individuals	individual	NOUN
fsr-3779	11	2	who	who	PRON
fsr-3779	11	3	receive	receive	VERB
fsr-3779	11	4	tax	tax	NOUN
fsr-3779	11	5	refunds	refund	NOUN
fsr-3779	11	6	are	be	AUX
fsr-3779	11	7	on	on	ADP
fsr-3779	11	8	earnings	earning	NOUN
fsr-3779	11	9	profiles	profile	NOUN
fsr-3779	11	10	that	that	PRON
fsr-3779	11	11	are	be	AUX
fsr-3779	11	12	significantly	significantly	ADV
fsr-3779	11	13	steeper	steep	ADJ
fsr-3779	11	14	and	and	CCONJ
fsr-3779	11	15	have	have	VERB
fsr-3779	11	16	significantly	significantly	ADV
fsr-3779	11	17	lower	low	ADJ
fsr-3779	11	18	intercepts	intercept	NOUN
fsr-3779	11	19	.	.	PUNCT
fsr-3779	12	1	the	the	DET
fsr-3779	12	2	economic	economic	ADJ
fsr-3779	12	3	journal	journal	NOUN
fsr-3779	12	4	,	,	PUNCT
fsr-3779	12	5	january	january	PROPN
fsr-3779	12	6	1995	1995	NUM
fsr-3779	12	7	,	,	PUNCT
fsr-3779	12	8	105(428	105(428	NUM
fsr-3779	12	9	):	):	PUNCT
fsr-3779	12	10	95	95	NUM
fsr-3779	12	11	-	-	SYM
fsr-3779	12	12	106	106	NUM
fsr-3779	12	13	.	.	PUNCT
fsr-3779	13	1	(	(	PUNCT
fsr-3779	13	2	reprinted	reprint	VERB
fsr-3779	13	3	with	with	ADP
fsr-3779	13	4	per	per	ADP
fsr-3779	13	5	mission	mission	NOUN
fsr-3779	13	6	of	of	ADP
fsr-3779	13	7	the	the	DET
fsr-3779	13	8	economic	economic	ADJ
fsr-3779	13	9	journal	journal	NOUN
fsr-3779	13	10	.	.	PUNCT
fsr-3779	13	11	)	)	PUNCT
fsr-3779	14	1	the	the	DET
fsr-3779	14	2	dynamics	dynamic	NOUN
fsr-3779	14	3	of	of	ADP
fsr-3779	14	4	aggregate	aggregate	ADJ
fsr-3779	14	5	consumption	consumption	NOUN
fsr-3779	14	6	in	in	ADP
fsr-3779	14	7	an	an	DET
fsr-3779	14	8	open	open	ADJ
fsr-3779	14	9	economy	economy	NOUN
fsr-3779	14	10	life	life	NOUN
fsr-3779	14	11	cycle	cycle	NOUN
fsr-3779	14	12	model	model	NOUN
fsr-3779	14	13	,	,	PUNCT
fsr-3779	14	14	by	by	ADP
fsr-3779	14	15	j.	j.	PROPN
fsr-3779	14	16	ermisch	ermisch	PROPN
fsr-3779	14	17	and	and	CCONJ
fsr-3779	14	18	p.	p.	NOUN
fsr-3779	14	19	westaway	westaway	NOUN
fsr-3779	14	20	this	this	DET
fsr-3779	14	21	paper	paper	NOUN
fsr-3779	14	22	examines	examine	VERB
fsr-3779	14	23	the	the	DET
fsr-3779	14	24	dynamic	dynamic	ADJ
fsr-3779	14	25	path	path	NOUN
fsr-3779	14	26	of	of	ADP
fsr-3779	14	27	aggregate	aggregate	ADJ
fsr-3779	14	28	consumption	consumption	NOUN
fsr-3779	14	29	resulting	result	VERB
fsr-3779	14	30	from	from	ADP
fsr-3779	14	31	the	the	DET
fsr-3779	14	32	relaxation	relaxation	NOUN
fsr-3779	14	33	of	of	ADP
fsr-3779	14	34	borrowing	borrowing	NOUN
fsr-3779	14	35	constraints	constraint	NOUN
fsr-3779	14	36	and	and	CCONJ
fsr-3779	14	37	changes	change	NOUN
fsr-3779	14	38	in	in	ADP
fsr-3779	14	39	the	the	DET
fsr-3779	14	40	age	age	NOUN
fsr-3779	14	41	composition	composition	NOUN
fsr-3779	14	42	of	of	ADP
fsr-3779	14	43	the	the	DET
fsr-3779	14	44	population	population	NOUN
fsr-3779	14	45	.	.	PUNCT
fsr-3779	15	1	1.58	1.58	NUM
fsr-3779	15	2	financial	financial	ADJ
fsr-3779	15	3	services	service	NOUN
fsr-3779	15	4	review	review	NOUN
fsr-3779	15	5	4(2	4(2	NUM
fsr-3779	15	6	)	)	PUNCT
fsr-3779	15	7	1995	1995	NUM
fsr-3779	15	8	using	use	VERB
fsr-3779	15	9	simulation	simulation	NOUN
fsr-3779	15	10	analysis	analysis	NOUN
fsr-3779	15	11	,	,	PUNCT
fsr-3779	15	12	it	it	PRON
fsr-3779	15	13	indicates	indicate	VERB
fsr-3779	15	14	that	that	SCONJ
fsr-3779	15	15	,	,	PUNCT
fsr-3779	15	16	because	because	SCONJ
fsr-3779	15	17	of	of	ADP
fsr-3779	15	18	overlapping	overlap	VERB
fsr-3779	15	19	generations	generation	NOUN
fsr-3779	15	20	,	,	PUNCT
fsr-3779	15	21	the	the	DET
fsr-3779	15	22	adjust	adjust	NOUN
fsr-3779	15	23	ment	ment	NOUN
fsr-3779	15	24	to	to	ADP
fsr-3779	15	25	a	a	DET
fsr-3779	15	26	new	new	ADJ
fsr-3779	15	27	steady	steady	ADJ
fsr-3779	15	28	-	-	PUNCT
fsr-3779	15	29	state	state	NOUN
fsr-3779	15	30	aggregate	aggregate	ADJ
fsr-3779	15	31	consumption	consumption	NOUN
fsr-3779	15	32	-	-	PUNCT
fsr-3779	15	33	income	income	NOUN
fsr-3779	15	34	ratio	ratio	NOUN
fsr-3779	15	35	following	follow	VERB
fsr-3779	15	36	the	the	DET
fsr-3779	15	37	relaxation	relaxation	NOUN
fsr-3779	15	38	of	of	ADP
fsr-3779	15	39	borrowing	borrowing	NOUN
fsr-3779	15	40	constraints	constraint	NOUN
fsr-3779	15	41	is	be	AUX
fsr-3779	15	42	spread	spread	VERB
fsr-3779	15	43	over	over	ADP
fsr-3779	15	44	a	a	DET
fsr-3779	15	45	long	long	ADJ
fsr-3779	15	46	time	time	NOUN
fsr-3779	15	47	and	and	CCONJ
fsr-3779	15	48	it	it	PRON
fsr-3779	15	49	takes	take	VERB
fsr-3779	15	50	the	the	DET
fsr-3779	15	51	form	form	NOUN
fsr-3779	15	52	of	of	ADP
fsr-3779	15	53	a	a	DET
fsr-3779	15	54	near	near	ADJ
fsr-3779	15	55	linear	linear	ADJ
fsr-3779	15	56	fall	fall	NOUN
fsr-3779	15	57	following	follow	VERB
fsr-3779	15	58	the	the	DET
fsr-3779	15	59	immediate	immediate	ADJ
fsr-3779	15	60	jump	jump	NOUN
fsr-3779	15	61	in	in	ADP
fsr-3779	15	62	the	the	DET
fsr-3779	15	63	ratio	ratio	NOUN
fsr-3779	15	64	.	.	PUNCT
fsr-3779	16	1	while	while	SCONJ
fsr-3779	16	2	potentially	potentially	ADV
fsr-3779	16	3	large	large	ADJ
fsr-3779	16	4	,	,	PUNCT
fsr-3779	16	5	age	age	NOUN
fsr-3779	16	6	composition	composition	NOUN
fsr-3779	16	7	changes	change	NOUN
fsr-3779	16	8	have	have	VERB
fsr-3779	16	9	small	small	ADJ
fsr-3779	16	10	effects	effect	NOUN
fsr-3779	16	11	on	on	ADP
fsr-3779	16	12	the	the	DET
fsr-3779	16	13	aggregate	aggregate	ADJ
fsr-3779	16	14	consumption	consumption	NOUN
fsr-3779	16	15	-	-	PUNCT
fsr-3779	16	16	income	income	NOUN
fsr-3779	16	17	ratio	ratio	NOUN
fsr-3779	16	18	when	when	SCONJ
fsr-3779	16	19	plausible	plausible	ADJ
fsr-3779	16	20	parameter	parameter	NOUN
fsr-3779	16	21	values	value	NOUN
fsr-3779	16	22	are	be	AUX
fsr-3779	16	23	assumed	assume	VERB
fsr-3779	16	24	.	.	PUNCT
fsr-3779	17	1	scottish	scottish	ADJ
fsr-3779	17	2	journal	journal	PROPN
fsr-3779	17	3	of	of	ADP
fsr-3779	17	4	political	political	ADJ
fsr-3779	17	5	economy	economy	NOUN
fsr-3779	17	6	,	,	PUNCT
fsr-3779	17	7	may	may	PROPN
fsr-3779	17	8	1994	1994	NUM
fsr-3779	17	9	,	,	PUNCT
fsr-3779	17	10	41(2	41(2	NUM
fsr-3779	17	11	):	):	PUNCT
fsr-3779	17	12	113	113	NUM
fsr-3779	17	13	-	-	SYM
fsr-3779	17	14	127	127	NUM
fsr-3779	17	15	.	.	PUNCT
fsr-3779	18	1	(	(	PUNCT
fsr-3779	18	2	reprinted	reprint	VERB
fsr-3779	18	3	with	with	ADP
fsr-3779	18	4	permission	permission	NOUN
fsr-3779	18	5	of	of	ADP
fsr-3779	18	6	the	the	DET
fsr-3779	18	7	journal	journal	NOUN
fsr-3779	18	8	of	of	ADP
fsr-3779	18	9	economic	economic	ADJ
fsr-3779	18	10	literature	literature	NOUN
fsr-3779	18	11	.	.	PUNCT
fsr-3779	18	12	)	)	PUNCT
fsr-3779	19	1	investmentsandindiwdualportfoliomanagement	investmentsandindiwdualportfoliomanagement	ADJ
fsr-3779	19	2	optimal	optimal	ADJ
fsr-3779	19	3	portfolio	portfolio	NOUN
fsr-3779	19	4	and	and	CCONJ
fsr-3779	19	5	consumption	consumption	NOUN
fsr-3779	19	6	decisions	decision	NOUN
fsr-3779	19	7	in	in	ADP
fsr-3779	19	8	a	a	DET
fsr-3779	19	9	stochastic	stochastic	ADJ
fsr-3779	19	10	environment	environment	NOUN
fsr-3779	19	11	with	with	ADP
fsr-3779	19	12	precommitment	precommitment	NOUN
fsr-3779	19	13	,	,	PUNCT
fsr-3779	19	14	by	by	ADP
fsr-3779	19	15	isaac	isaac	PROPN
fsr-3779	19	16	ehrlich	ehrlich	PROPN
fsr-3779	19	17	and	and	CCONJ
fsr-3779	19	18	william	william	PROPN
fsr-3779	19	19	a.	a.	PROPN
fsr-3779	19	20	hamlen	hamlen	PROPN
fsr-3779	19	21	,	,	PUNCT
fsr-3779	19	22	jr	jr	PROPN
fsr-3779	19	23	.	.	PUNCT
fsr-3779	20	1	(	(	PUNCT
fsr-3779	20	2	state	state	NOUN
fsr-3779	20	3	univer	univer	VERB
fsr-3779	20	4	sity	sity	NOUN
fsr-3779	20	5	of	of	ADP
fsr-3779	20	6	new	new	PROPN
fsr-3779	20	7	york	york	PROPN
fsr-3779	20	8	,	,	PUNCT
fsr-3779	20	9	buffalo	buffalo	PROPN
fsr-3779	20	10	)	)	PUNCT
fsr-3779	20	11	in	in	ADP
fsr-3779	20	12	this	this	DET
fsr-3779	20	13	paper	paper	NOUN
fsr-3779	20	14	we	we	PRON
fsr-3779	20	15	solve	solve	VERB
fsr-3779	20	16	the	the	DET
fsr-3779	20	17	stochastic	stochastic	ADJ
fsr-3779	20	18	portfolio	portfolio	NOUN
fsr-3779	20	19	-	-	PUNCT
fsr-3779	20	20	consumption	consumption	NOUN
fsr-3779	20	21	control	control	NOUN
fsr-3779	20	22	problem	problem	NOUN
fsr-3779	20	23	under	under	ADP
fsr-3779	20	24	the	the	DET
fsr-3779	20	25	assumption	assumption	NOUN
fsr-3779	20	26	that	that	SCONJ
fsr-3779	20	27	individuals	individual	NOUN
fsr-3779	20	28	follow	follow	VERB
fsr-3779	20	29	precommitment	precommitment	NOUN
fsr-3779	20	30	strategies	strategy	NOUN
fsr-3779	20	31	over	over	ADP
fsr-3779	20	32	finite	finite	ADJ
fsr-3779	20	33	intervals	interval	NOUN
fsr-3779	20	34	of	of	ADP
fsr-3779	20	35	time	time	NOUN
fsr-3779	20	36	.	.	PUNCT
fsr-3779	21	1	this	this	DET
fsr-3779	21	2	precommitment	precommitment	NOUN
fsr-3779	21	3	approach	approach	NOUN
fsr-3779	21	4	is	be	AUX
fsr-3779	21	5	an	an	DET
fsr-3779	21	6	alternative	alternative	NOUN
fsr-3779	21	7	to	to	ADP
fsr-3779	21	8	merton	merton	PROPN
fsr-3779	21	9	’s	’s	PART
fsr-3779	21	10	(	(	PUNCT
fsr-3779	21	11	1969	1969	NUM
fsr-3779	21	12	)	)	PUNCT
fsr-3779	21	13	continuous	continuous	ADJ
fsr-3779	21	14	-	-	PUNCT
fsr-3779	21	15	time	time	NOUN
fsr-3779	21	16	stochas	stochas	PROPN
fsr-3779	21	17	tic	tic	ADJ
fsr-3779	21	18	dynamic	dynamic	ADJ
fsr-3779	21	19	control	control	NOUN
fsr-3779	21	20	problem	problem	NOUN
fsr-3779	21	21	which	which	PRON
fsr-3779	21	22	assumes	assume	VERB
fsr-3779	21	23	instantaneous	instantaneous	ADJ
fsr-3779	21	24	feedback	feedback	NOUN
fsr-3779	21	25	and	and	CCONJ
fsr-3779	21	26	costless	costless	NOUN
fsr-3779	21	27	revisions	revision	NOUN
fsr-3779	21	28	of	of	ADP
fsr-3779	21	29	choices	choice	NOUN
fsr-3779	21	30	all	all	ADV
fsr-3779	21	31	along	along	ADP
fsr-3779	21	32	the	the	DET
fsr-3779	21	33	time	time	NOUN
fsr-3779	21	34	path	path	NOUN
fsr-3779	21	35	.	.	PUNCT
fsr-3779	22	1	our	our	PRON
fsr-3779	22	2	solution	solution	NOUN
fsr-3779	22	3	to	to	ADP
fsr-3779	22	4	the	the	DET
fsr-3779	22	5	problem	problem	NOUN
fsr-3779	22	6	is	be	AUX
fsr-3779	22	7	contrasted	contrast	VERB
fsr-3779	22	8	with	with	ADP
fsr-3779	22	9	that	that	PRON
fsr-3779	22	10	of	of	ADP
fsr-3779	22	11	merton	merton	ADJ
fsr-3779	22	12	and	and	CCONJ
fsr-3779	22	13	several	several	ADJ
fsr-3779	22	14	contributions	contribution	NOUN
fsr-3779	22	15	to	to	ADP
fsr-3779	22	16	the	the	DET
fsr-3779	22	17	subject	subject	NOUN
fsr-3779	22	18	.	.	PUNCT
fsr-3779	23	1	we	we	PRON
fsr-3779	23	2	show	show	VERB
fsr-3779	23	3	that	that	SCONJ
fsr-3779	23	4	under	under	ADP
fsr-3779	23	5	precommitment	precommitment	NOUN
fsr-3779	23	6	individuals	individual	NOUN
fsr-3779	23	7	will	will	AUX
fsr-3779	23	8	tend	tend	VERB
fsr-3779	23	9	to	to	PART
fsr-3779	23	10	hold	hold	VERB
fsr-3779	23	11	portfolios	portfolio	NOUN
fsr-3779	23	12	that	that	PRON
fsr-3779	23	13	are	be	AUX
fsr-3779	23	14	a	a	DET
fsr-3779	23	15	function	function	NOUN
fsr-3779	23	16	of	of	ADP
fsr-3779	23	17	their	their	PRON
fsr-3779	23	18	expected	expect	VERB
fsr-3779	23	19	risk	risk	NOUN
fsr-3779	23	20	and	and	CCONJ
fsr-3779	23	21	return	return	VERB
fsr-3779	23	22	parameters	parameter	NOUN
fsr-3779	23	23	,	,	PUNCT
fsr-3779	23	24	but	but	CCONJ
fsr-3779	23	25	are	be	AUX
fsr-3779	23	26	independent	independent	ADJ
fsr-3779	23	27	of	of	ADP
fsr-3779	23	28	their	their	PRON
fsr-3779	23	29	wealth	wealth	NOUN
fsr-3779	23	30	levels	level	NOUN
fsr-3779	23	31	and	and	CCONJ
fsr-3779	23	32	risk	risk	NOUN
fsr-3779	23	33	preferences	preference	NOUN
fsr-3779	23	34	.	.	PUNCT
fsr-3779	24	1	we	we	PRON
fsr-3779	24	2	also	also	ADV
fsr-3779	24	3	show	show	VERB
fsr-3779	24	4	that	that	SCONJ
fsr-3779	24	5	the	the	DET
fsr-3779	24	6	intertemporal	intertemporal	ADJ
fsr-3779	24	7	consumption	consumption	NOUN
fsr-3779	24	8	growth	growth	NOUN
fsr-3779	24	9	path	path	NOUN
fsr-3779	24	10	would	would	AUX
fsr-3779	24	11	be	be	AUX
fsr-3779	24	12	a	a	DET
fsr-3779	24	13	relatively	relatively	ADV
fsr-3779	24	14	smooth	smooth	ADJ
fsr-3779	24	15	function	function	NOUN
fsr-3779	24	16	of	of	ADP
fsr-3779	24	17	the	the	DET
fsr-3779	24	18	risk	risk	NOUN
fsr-3779	24	19	-	-	PUNCT
fsr-3779	24	20	free	free	ADJ
fsr-3779	24	21	rate	rate	NOUN
fsr-3779	24	22	of	of	ADP
fsr-3779	24	23	return	return	NOUN
fsr-3779	24	24	,	,	PUNCT
fsr-3779	24	25	time	time	NOUN
fsr-3779	24	26	preference	preference	NOUN
fsr-3779	24	27	,	,	PUNCT
fsr-3779	24	28	and	and	CCONJ
fsr-3779	24	29	the	the	DET
fsr-3779	24	30	coefficient	coefficient	NOUN
fsr-3779	24	31	of	of	ADP
fsr-3779	24	32	relative	relative	ADJ
fsr-3779	24	33	risk	risk	NOUN
fsr-3779	24	34	aversion	aversion	NOUN
fsr-3779	24	35	,	,	PUNCT
fsr-3779	24	36	and	and	CCONJ
fsr-3779	24	37	independent	independent	ADJ
fsr-3779	24	38	of	of	ADP
fsr-3779	24	39	the	the	DET
fsr-3779	24	40	portfolio	portfolio	NOUN
fsr-3779	24	41	’s	’s	PART
fsr-3779	24	42	risk	risk	NOUN
fsr-3779	24	43	parameters	parameter	NOUN
fsr-3779	24	44	.	.	PUNCT
fsr-3779	25	1	the	the	DET
fsr-3779	25	2	latter	latter	ADJ
fsr-3779	25	3	would	would	AUX
fsr-3779	25	4	influence	influence	VERB
fsr-3779	25	5	only	only	ADV
fsr-3779	25	6	the	the	DET
fsr-3779	25	7	initial	initial	ADJ
fsr-3779	25	8	consumption	consumption	NOUN
fsr-3779	25	9	level	level	NOUN
fsr-3779	25	10	.	.	PUNCT
fsr-3779	26	1	we	we	PRON
fsr-3779	26	2	derive	derive	VERB
fsr-3779	26	3	a	a	DET
fsr-3779	26	4	number	number	NOUN
fsr-3779	26	5	of	of	ADP
fsr-3779	26	6	empirical	empirical	ADJ
fsr-3779	26	7	implications	implication	NOUN
fsr-3779	26	8	of	of	ADP
fsr-3779	26	9	our	our	PRON
fsr-3779	26	10	analysis	analysis	NOUN
fsr-3779	26	11	for	for	ADP
fsr-3779	26	12	both	both	PRON
fsr-3779	26	13	portfolio	portfolio	NOUN
fsr-3779	26	14	holding	holding	NOUN
fsr-3779	26	15	and	and	CCONJ
fsr-3779	26	16	consumption	consumption	NOUN
fsr-3779	26	17	patterns	pattern	NOUN
fsr-3779	26	18	.	.	PUNCT
fsr-3779	27	1	journal	journal	NOUN
fsr-3779	27	2	of	of	ADP
fsr-3779	27	3	economic	economic	ADJ
fsr-3779	27	4	dynamics	dynamic	NOUN
fsr-3779	27	5	and	and	CCONJ
fsr-3779	27	6	control	control	NOUN
fsr-3779	27	7	,	,	PUNCT
fsr-3779	27	8	april	april	PROPN
fsr-3779	27	9	1995	1995	NUM
fsr-3779	27	10	,	,	PUNCT
fsr-3779	27	11	19(3	19(3	NUM
fsr-3779	27	12	):	):	PUNCT
fsr-3779	27	13	457	457	NUM
fsr-3779	27	14	-	-	SYM
fsr-3779	27	15	480	480	NUM
fsr-3779	27	16	.	.	PUNCT
fsr-3779	28	1	(	(	PUNCT
fsr-3779	28	2	reprinted	reprint	VERB
fsr-3779	28	3	with	with	ADP
fsr-3779	28	4	permission	permission	NOUN
fsr-3779	28	5	of	of	ADP
fsr-3779	28	6	the	the	DET
fsr-3779	28	7	north	north	NOUN
fsr-3779	28	8	-	-	PUNCT
fsr-3779	28	9	holland	holland	PROPN
fsr-3779	28	10	publishing	publishing	PROPN
fsr-3779	28	11	company	company	NOUN
fsr-3779	28	12	.	.	PUNCT
fsr-3779	28	13	)	)	PUNCT
fsr-3779	29	1	individual	individual	ADJ
fsr-3779	29	2	decision	decision	NOUN
fsr-3779	29	3	making	make	VERB
fsr-3779	29	4	in	in	ADP
fsr-3779	29	5	an	an	DET
fsr-3779	29	6	investment	investment	NOUN
fsr-3779	29	7	setting	setting	NOUN
fsr-3779	29	8	,	,	PUNCT
fsr-3779	29	9	by	by	ADP
fsr-3779	29	10	carl	carl	PROPN
fsr-3779	29	11	a.	a.	PROPN
fsr-3779	29	12	kogut	kogut	PROPN
fsr-3779	29	13	(	(	PUNCT
fsr-3779	29	14	north	north	PROPN
fsr-3779	29	15	east	east	PROPN
fsr-3779	29	16	louisiana	louisiana	PROPN
fsr-3779	29	17	university	university	PROPN
fsr-3779	29	18	)	)	PUNCT
fsr-3779	29	19	and	and	CCONJ
fsr-3779	29	20	owen	owen	PROPN
fsr-3779	29	21	r.	r.	PROPN
fsr-3779	29	22	phillips	phillips	PROPN
fsr-3779	29	23	(	(	PUNCT
fsr-3779	29	24	university	university	PROPN
fsr-3779	29	25	of	of	ADP
fsr-3779	29	26	wyoming	wyoming	PROPN
fsr-3779	29	27	,	,	PUNCT
fsr-3779	29	28	laramie	laramie	PROPN
fsr-3779	29	29	)	)	PUNCT
fsr-3779	29	30	this	this	DET
fsr-3779	29	31	paper	paper	NOUN
fsr-3779	29	32	examines	examine	VERB
fsr-3779	29	33	individual	individual	ADJ
fsr-3779	29	34	decision	decision	NOUN
fsr-3779	29	35	making	make	VERB
fsr-3779	29	36	in	in	ADP
fsr-3779	29	37	an	an	DET
fsr-3779	29	38	experimental	experimental	ADJ
fsr-3779	29	39	investment	investment	NOUN
fsr-3779	29	40	setting	setting	NOUN
fsr-3779	29	41	.	.	PUNCT
fsr-3779	30	1	when	when	SCONJ
fsr-3779	30	2	individuals	individual	NOUN
fsr-3779	30	3	make	make	VERB
fsr-3779	30	4	payments	payment	NOUN
fsr-3779	30	5	sequentially	sequentially	ADV
fsr-3779	30	6	in	in	ADP
fsr-3779	30	7	order	order	NOUN
fsr-3779	30	8	to	to	PART
fsr-3779	30	9	complete	complete	VERB
fsr-3779	30	10	an	an	DET
fsr-3779	30	11	investment	investment	NOUN
fsr-3779	30	12	project	project	NOUN
fsr-3779	30	13	their	their	PRON
fsr-3779	30	14	decision	decision	NOUN
fsr-3779	30	15	to	to	PART
fsr-3779	30	16	continue	continue	VERB
fsr-3779	30	17	investing	invest	VERB
fsr-3779	30	18	should	should	AUX
fsr-3779	30	19	,	,	PUNCT
fsr-3779	30	20	according	accord	VERB
fsr-3779	30	21	to	to	ADP
fsr-3779	30	22	standard	standard	ADJ
fsr-3779	30	23	theory	theory	NOUN
fsr-3779	30	24	,	,	PUNCT
fsr-3779	30	25	be	be	AUX
fsr-3779	30	26	based	base	VERB
fsr-3779	30	27	on	on	ADP
fsr-3779	30	28	a	a	DET
fsr-3779	30	29	comparison	comparison	NOUN
fsr-3779	30	30	of	of	ADP
fsr-3779	30	31	the	the	DET
fsr-3779	30	32	expected	expect	VERB
fsr-3779	30	33	marginal	marginal	ADJ
fsr-3779	30	34	costs	cost	NOUN
fsr-3779	30	35	and	and	CCONJ
fsr-3779	30	36	gains	gain	NOUN
fsr-3779	30	37	.	.	PUNCT
fsr-3779	31	1	past	past	ADJ
fsr-3779	31	2	payments	payment	NOUN
fsr-3779	31	3	are	be	AUX
fsr-3779	31	4	sunk	sink	VERB
fsr-3779	31	5	and	and	CCONJ
fsr-3779	31	6	should	should	AUX
fsr-3779	31	7	be	be	AUX
fsr-3779	31	8	ignored	ignore	VERB
fsr-3779	31	9	.	.	PUNCT
fsr-3779	32	1	our	our	PRON
fsr-3779	32	2	experimental	experimental	ADJ
fsr-3779	32	3	subjects	subject	NOUN
fsr-3779	32	4	usually	usually	ADV
fsr-3779	32	5	did	do	AUX
fsr-3779	32	6	not	not	PART
fsr-3779	32	7	make	make	VERB
fsr-3779	32	8	the	the	DET
fsr-3779	32	9	correct	correct	ADJ
fsr-3779	32	10	decision	decision	NOUN
fsr-3779	32	11	at	at	ADP
fsr-3779	32	12	the	the	DET
fsr-3779	32	13	margin	margin	NOUN
fsr-3779	32	14	when	when	SCONJ
fsr-3779	32	15	positive	positive	ADJ
fsr-3779	32	16	returns	return	NOUN
fsr-3779	32	17	were	be	AUX
fsr-3779	32	18	threatened	threaten	VERB
fsr-3779	32	19	.	.	PUNCT
fsr-3779	33	1	there	there	PRON
fsr-3779	33	2	was	be	VERB
fsr-3779	33	3	an	an	DET
fsr-3779	33	4	overwhelming	overwhelming	ADJ
fsr-3779	33	5	tendency	tendency	NOUN
fsr-3779	33	6	to	to	ADP
fsr-3779	33	7	over	over	ADP
fsr-3779	33	8	-	-	PUNCT
fsr-3779	33	9	com	com	NOUN
fsr-3779	33	10	mit	mit	NOUN
fsr-3779	33	11	resources	resource	NOUN
fsr-3779	33	12	.	.	PUNCT
fsr-3779	34	1	journal	journal	NOUN
fsr-3779	34	2	of	of	ADP
fsr-3779	34	3	economic	economic	ADJ
fsr-3779	34	4	behavior	behavior	NOUN
fsr-3779	34	5	and	and	CCONJ
fsr-3779	34	6	organization	organization	NOUN
fsr-3779	34	7	,	,	PUNCT
fsr-3779	34	8	december	december	PROPN
fsr-3779	34	9	1994	1994	NUM
fsr-3779	34	10	,	,	PUNCT
fsr-3779	34	11	25(3	25(3	NUM
fsr-3779	34	12	):	):	PUNCT
fsr-3779	34	13	459	459	NUM
fsr-3779	34	14	-	-	SYM
fsr-3779	34	15	47	47	NUM
fsr-3779	34	16	1	1	NUM
fsr-3779	34	17	.	.	PUNCT
fsr-3779	35	1	(	(	PUNCT
fsr-3779	35	2	reprinted	reprint	VERB
fsr-3779	35	3	with	with	ADP
fsr-3779	35	4	permission	permission	NOUN
fsr-3779	35	5	of	of	ADP
fsr-3779	35	6	north	north	NOUN
fsr-3779	35	7	-	-	PUNCT
fsr-3779	35	8	holland	holland	PROPN
fsr-3779	35	9	publishing	publishing	PROPN
fsr-3779	35	10	company	company	NOUN
fsr-3779	35	11	.	.	PUNCT
fsr-3779	35	12	)	)	PUNCT
fsr-3779	36	1	abstracts	abstract	NOUN
fsr-3779	36	2	of	of	ADP
fsr-3779	36	3	articles	article	NOUN
fsr-3779	36	4	on	on	ADP
fsr-3779	36	5	individwl	individwl	NOUN
fsr-3779	36	6	f~~nc~~	f~~nc~~	PROPN
fsr-3779	36	7	ma~~ement	ma~~ement	PROPN
fsr-3779	36	8	159	159	NUM
fsr-3779	36	9	the	the	DET
fsr-3779	36	10	challenges	challenge	NOUN
fsr-3779	36	11	of	of	ADP
fsr-3779	36	12	investor	investor	NOUN
fsr-3779	36	13	communication	communication	NOUN
fsr-3779	36	14	:	:	PUNCT
fsr-3779	36	15	the	the	DET
fsr-3779	36	16	case	case	NOUN
fsr-3779	36	17	of	of	ADP
fsr-3779	36	18	cuc	cuc	PROPN
fsr-3779	36	19	international	international	PROPN
fsr-3779	36	20	,	,	PUNCT
fsr-3779	36	21	inc	inc	PROPN
fsr-3779	36	22	.	.	PROPN
fsr-3779	36	23	,	,	PUNCT
fsr-3779	36	24	by	by	ADP
fsr-3779	36	25	paul	paul	PROPN
fsr-3779	36	26	m.	m.	PROPN
fsr-3779	36	27	healy	healy	PROPN
fsr-3779	36	28	(	(	PUNCT
fsr-3779	36	29	sloan	sloan	PROPN
fsr-3779	36	30	school	school	NOUN
fsr-3779	36	31	of	of	ADP
fsr-3779	36	32	management	management	NOUN
fsr-3779	36	33	,	,	PUNCT
fsr-3779	36	34	cambridge	cambridge	PROPN
fsr-3779	36	35	,	,	PUNCT
fsr-3779	36	36	ma	ma	PROPN
fsr-3779	36	37	)	)	PUNCT
fsr-3779	36	38	and	and	CCONJ
fsr-3779	36	39	krishna	krishna	PROPN
fsr-3779	36	40	g.	g.	NOUN
fsr-3779	36	41	palepu	palepu	PROPN
fsr-3779	36	42	(	(	PUNCT
fsr-3779	36	43	harvard	harvard	PROPN
fsr-3779	36	44	university	university	PROPN
fsr-3779	36	45	)	)	PUNCT
fsr-3779	36	46	we	we	PRON
fsr-3779	36	47	examine	examine	VERB
fsr-3779	36	48	investor	investor	NOUN
fsr-3779	36	49	communication	communication	NOUN
fsr-3779	36	50	issues	issue	NOUN
fsr-3779	36	51	using	use	VERB
fsr-3779	36	52	the	the	DET
fsr-3779	36	53	experience	experience	NOUN
fsr-3779	36	54	of	of	ADP
fsr-3779	36	55	cuc	cuc	PROPN
fsr-3779	36	56	international	international	PROPN
fsr-3779	36	57	.	.	PUNCT
fsr-3779	37	1	cuc	cuc	PROPN
fsr-3779	37	2	had	have	VERB
fsr-3779	37	3	difficulty	difficulty	NOUN
fsr-3779	37	4	convincing	convince	VERB
fsr-3779	37	5	investors	investor	NOUN
fsr-3779	37	6	that	that	SCONJ
fsr-3779	37	7	its	its	PRON
fsr-3779	37	8	marketing	marketing	NOUN
fsr-3779	37	9	outlays	outlay	NOUN
fsr-3779	37	10	were	be	AUX
fsr-3779	37	11	profitable	profitable	ADJ
fsr-3779	37	12	invest	invest	VERB
fsr-3779	37	13	ments	ment	NOUN
fsr-3779	37	14	,	,	PUNCT
fsr-3779	37	15	leading	lead	VERB
fsr-3779	37	16	to	to	ADP
fsr-3779	37	17	stock	stock	NOUN
fsr-3779	37	18	misvaluation	misvaluation	NOUN
fsr-3779	37	19	over	over	ADP
fsr-3779	37	20	an	an	DET
fsr-3779	37	21	extended	extended	ADJ
fsr-3779	37	22	period	period	NOUN
fsr-3779	37	23	.	.	PUNCT
fsr-3779	38	1	to	to	PART
fsr-3779	38	2	resolve	resolve	VERB
fsr-3779	38	3	this	this	DET
fsr-3779	38	4	problem	problem	NOUN
fsr-3779	38	5	,	,	PUNCT
fsr-3779	38	6	cuc	cuc	PROPN
fsr-3779	38	7	adopted	adopt	VERB
fsr-3779	38	8	an	an	DET
fsr-3779	38	9	accounting	accounting	NOUN
fsr-3779	38	10	change	change	NOUN
fsr-3779	38	11	and	and	CCONJ
fsr-3779	38	12	then	then	ADV
fsr-3779	38	13	underwent	undergo	VERB
fsr-3779	38	14	a	a	DET
fsr-3779	38	15	leveraged	leveraged	ADJ
fsr-3779	38	16	recapitalization	recapitalization	NOUN
fsr-3779	38	17	.	.	PUNCT
fsr-3779	39	1	sub	sub	NOUN
fsr-3779	39	2	sequently	sequently	ADV
fsr-3779	39	3	,	,	PUNCT
fsr-3779	39	4	it	it	PRON
fsr-3779	39	5	accelerated	accelerate	VERB
fsr-3779	39	6	recap	recap	NOUN
fsr-3779	39	7	debt	debt	NOUN
fsr-3779	39	8	repayments	repayment	NOUN
fsr-3779	39	9	and	and	CCONJ
fsr-3779	39	10	initiated	initiate	VERB
fsr-3779	39	11	a	a	DET
fsr-3779	39	12	stock	stock	NOUN
fsr-3779	39	13	repurchase	repurchase	NOUN
fsr-3779	39	14	.	.	PUNCT
fsr-3779	40	1	cuc	cuc	PROPN
fsr-3779	40	2	’s	’s	PART
fsr-3779	40	3	experience	experience	NOUN
fsr-3779	40	4	suggests	suggest	VERB
fsr-3779	40	5	that	that	SCONJ
fsr-3779	40	6	accounting	accounting	NOUN
fsr-3779	40	7	reports	report	NOUN
fsr-3779	40	8	are	be	AUX
fsr-3779	40	9	not	not	PART
fsr-3779	40	10	always	always	ADV
fsr-3779	40	11	effective	effective	ADJ
fsr-3779	40	12	in	in	ADP
fsr-3779	40	13	investor	investor	NOUN
fsr-3779	40	14	communi	communi	NOUN
fsr-3779	40	15	cation	cation	NOUN
fsr-3779	40	16	.	.	PUNCT
fsr-3779	41	1	while	while	SCONJ
fsr-3779	41	2	financial	financial	ADJ
fsr-3779	41	3	signals	signal	NOUN
fsr-3779	41	4	are	be	AUX
fsr-3779	41	5	more	more	ADV
fsr-3779	41	6	effective	effective	ADJ
fsr-3779	41	7	,	,	PUNCT
fsr-3779	41	8	their	their	PRON
fsr-3779	41	9	impact	impact	NOUN
fsr-3779	41	10	is	be	AUX
fsr-3779	41	11	not	not	PART
fsr-3779	41	12	as	as	ADV
fsr-3779	41	13	immediate	immediate	ADJ
fsr-3779	41	14	as	as	SCONJ
fsr-3779	41	15	predicted	predict	VERB
fsr-3779	41	16	by	by	ADP
fsr-3779	41	17	prior	prior	ADJ
fsr-3779	41	18	research	research	NOUN
fsr-3779	41	19	.	.	PUNCT
fsr-3779	42	1	the	the	DET
fsr-3779	42	2	cuc	cuc	PROPN
fsr-3779	42	3	case	case	NOUN
fsr-3779	42	4	suggests	suggest	VERB
fsr-3779	42	5	that	that	SCONJ
fsr-3779	42	6	investor	investor	NOUN
fsr-3779	42	7	communications	communication	NOUN
fsr-3779	42	8	is	be	AUX
fsr-3779	42	9	a	a	DET
fsr-3779	42	10	rich	rich	ADJ
fsr-3779	42	11	area	area	NOUN
fsr-3779	42	12	for	for	ADP
fsr-3779	42	13	future	future	ADJ
fsr-3779	42	14	research	research	NOUN
fsr-3779	42	15	.	.	PUNCT
fsr-3779	43	1	journal	journal	NOUN
fsr-3779	43	2	of	of	ADP
fsr-3779	43	3	financial	financial	ADJ
fsr-3779	43	4	ecorwmics	ecorwmic	NOUN
fsr-3779	43	5	,	,	PUNCT
fsr-3779	43	6	june	june	PROPN
fsr-3779	43	7	1995	1995	NUM
fsr-3779	43	8	,	,	PUNCT
fsr-3779	43	9	38(2	38(2	NUM
fsr-3779	43	10	):	):	PUNCT
fsr-3779	43	11	11	11	NUM
fsr-3779	43	12	l-140	l-140	NOUN
fsr-3779	43	13	.	.	PUNCT
fsr-3779	44	1	(	(	PUNCT
fsr-3779	44	2	reprinted	reprint	VERB
fsr-3779	44	3	with	with	ADP
fsr-3779	44	4	permission	permission	NOUN
fsr-3779	44	5	of	of	ADP
fsr-3779	44	6	north	north	NOUN
fsr-3779	44	7	-	-	PUNCT
fsr-3779	44	8	holland	holland	PROPN
fsr-3779	44	9	publishing	publishing	PROPN
fsr-3779	44	10	company	company	NOUN
fsr-3779	44	11	.	.	PUNCT
fsr-3779	44	12	)	)	PUNCT
fsr-3779	45	1	some	some	DET
fsr-3779	45	2	models	model	NOUN
fsr-3779	45	3	of	of	ADP
fsr-3779	45	4	the	the	DET
fsr-3779	45	5	international	international	ADJ
fsr-3779	45	6	capital	capital	NOUN
fsr-3779	45	7	market	market	NOUN
fsr-3779	45	8	,	,	PUNCT
fsr-3779	45	9	by	by	ADP
fsr-3779	45	10	b.	b.	PROPN
fsr-3779	45	11	dumas	dumas	PROPN
fsr-3779	45	12	the	the	DET
fsr-3779	45	13	original	original	ADJ
fsr-3779	45	14	feature	feature	NOUN
fsr-3779	45	15	of	of	ADP
fsr-3779	45	16	international	international	ADJ
fsr-3779	45	17	portfolio	portfolio	NOUN
fsr-3779	45	18	theory	theory	NOUN
fsr-3779	45	19	is	be	AUX
fsr-3779	45	20	that	that	SCONJ
fsr-3779	45	21	it	it	PRON
fsr-3779	45	22	considers	consider	VERB
fsr-3779	45	23	investors	investor	NOUN
fsr-3779	45	24	of	of	ADP
fsr-3779	45	25	different	different	ADJ
fsr-3779	45	26	countries	country	NOUN
fsr-3779	45	27	who	who	PRON
fsr-3779	45	28	look	look	VERB
fsr-3779	45	29	at	at	ADP
fsr-3779	45	30	returns	return	NOUN
fsr-3779	45	31	differently	differently	ADV
fsr-3779	45	32	from	from	ADP
fsr-3779	45	33	each	each	DET
fsr-3779	45	34	other	other	ADJ
fsr-3779	45	35	because	because	SCONJ
fsr-3779	45	36	of	of	ADP
fsr-3779	45	37	deviations	deviation	NOUN
fsr-3779	45	38	from	from	ADP
fsr-3779	45	39	purchasing	purchase	VERB
fsr-3779	45	40	power	power	NOUN
fsr-3779	45	41	parity	parity	NOUN
fsr-3779	45	42	.	.	PUNCT
fsr-3779	46	1	its	its	PRON
fsr-3779	46	2	purposes	purpose	NOUN
fsr-3779	46	3	are	be	AUX
fsr-3779	46	4	to	to	PART
fsr-3779	46	5	explain	explain	VERB
fsr-3779	46	6	the	the	DET
fsr-3779	46	7	different	different	ADJ
fsr-3779	46	8	portfolio	portfolio	NOUN
fsr-3779	46	9	compositions	composition	NOUN
fsr-3779	46	10	of	of	ADP
fsr-3779	46	11	investors	investor	NOUN
fsr-3779	46	12	of	of	ADP
fsr-3779	46	13	different	different	ADJ
fsr-3779	46	14	countries	country	NOUN
fsr-3779	46	15	and	and	CCONJ
fsr-3779	46	16	to	to	PART
fsr-3779	46	17	explain	explain	VERB
fsr-3779	46	18	the	the	DET
fsr-3779	46	19	structure	structure	NOUN
fsr-3779	46	20	of	of	ADP
fsr-3779	46	21	expected	expect	VERB
fsr-3779	46	22	returns	return	NOUN
fsr-3779	46	23	across	across	ADP
fsr-3779	46	24	securities	security	NOUN
fsr-3779	46	25	worldwide	worldwide	ADV
fsr-3779	46	26	.	.	PUNCT
fsr-3779	47	1	the	the	DET
fsr-3779	47	2	author	author	NOUN
fsr-3779	47	3	shows	show	VERB
fsr-3779	47	4	here	here	ADV
fsr-3779	47	5	that	that	SCONJ
fsr-3779	47	6	this	this	DET
fsr-3779	47	7	theory	theory	NOUN
fsr-3779	47	8	fails	fail	VERB
fsr-3779	47	9	on	on	ADP
fsr-3779	47	10	the	the	DET
fsr-3779	47	11	first	first	ADJ
fsr-3779	47	12	count	count	NOUN
fsr-3779	47	13	(	(	PUNCT
fsr-3779	47	14	home	home	NOUN
fsr-3779	47	15	equity	equity	NOUN
fsr-3779	47	16	bias	bias	PROPN
fsr-3779	47	17	)	)	PUNCT
fsr-3779	47	18	but	but	CCONJ
fsr-3779	47	19	may	may	AUX
fsr-3779	47	20	still	still	ADV
fsr-3779	47	21	have	have	VERB
fsr-3779	47	22	some	some	DET
fsr-3779	47	23	potential	potential	NOUN
fsr-3779	47	24	on	on	ADP
fsr-3779	47	25	the	the	DET
fsr-3779	47	26	second	second	ADJ
fsr-3779	47	27	count	count	NOUN
fsr-3779	47	28	.	.	PUNCT
fsr-3779	48	1	he	he	PRON
fsr-3779	48	2	also	also	ADV
fsr-3779	48	3	discusses	discuss	VERB
fsr-3779	48	4	some	some	DET
fsr-3779	48	5	results	result	NOUN
fsr-3779	48	6	of	of	ADP
fsr-3779	48	7	general	general	ADJ
fsr-3779	48	8	-	-	PUNCT
fsr-3779	48	9	equilibrium	equilibrium	NOUN
fsr-3779	48	10	models	model	NOUN
fsr-3779	48	11	of	of	ADP
fsr-3779	48	12	the	the	DET
fsr-3779	48	13	international	international	ADJ
fsr-3779	48	14	economy	economy	NOUN
fsr-3779	48	15	that	that	PRON
fsr-3779	48	16	incorporate	incorporate	VERB
fsr-3779	48	17	frictions	friction	NOUN
fsr-3779	48	18	.	.	PUNCT
fsr-3779	49	1	european	european	PROPN
fsr-3779	49	2	eco	eco	PROPN
fsr-3779	50	1	~	~	PUNCT
fsr-3779	50	2	orn~~	orn~~	ADJ
fsr-3779	50	3	levier	levier	NOUN
fsr-3779	50	4	,	,	PUNCT
fsr-3779	50	5	april	april	PROPN
fsr-3779	50	6	1994,38(3	1994,38(3	NUM
fsr-3779	50	7	-	-	PUNCT
fsr-3779	50	8	4	4	NUM
fsr-3779	50	9	):	):	PUNCT
fsr-3779	50	10	923	923	NUM
fsr-3779	50	11	-	-	SYM
fsr-3779	50	12	93	93	NUM
fsr-3779	50	13	1	1	NUM
fsr-3779	50	14	.	.	PUNCT
fsr-3779	51	1	(	(	PUNCT
fsr-3779	51	2	reprinted	reprint	VERB
fsr-3779	51	3	with	with	ADP
fsr-3779	51	4	per	per	ADP
fsr-3779	51	5	~	~	NOUN
fsr-3779	51	6	ssion	ssion	NOUN
fsr-3779	51	7	of	of	ADP
fsr-3779	51	8	the	the	DET
fsr-3779	51	9	journal	journal	NOUN
fsr-3779	51	10	of	of	ADP
fsr-3779	51	11	economic	economic	ADJ
fsr-3779	51	12	literature	literature	NOUN
fsr-3779	51	13	.	.	PUNCT
fsr-3779	51	14	)	)	PUNCT
fsr-3779	52	1	signaling	signal	VERB
fsr-3779	52	2	theory	theory	NOUN
fsr-3779	52	3	and	and	CCONJ
fsr-3779	52	4	risk	risk	NOUN
fsr-3779	52	5	perception	perception	NOUN
fsr-3779	52	6	:	:	PUNCT
fsr-3779	52	7	an	an	DET
fsr-3779	52	8	experimental	experimental	ADJ
fsr-3779	52	9	study	study	NOUN
fsr-3779	52	10	,	,	PUNCT
fsr-3779	52	11	by	by	ADP
fsr-3779	52	12	haim	haim	PROPN
fsr-3779	52	13	levy	levy	PROPN
fsr-3779	52	14	(	(	PUNCT
fsr-3779	52	15	hebrew	hebrew	ADJ
fsr-3779	52	16	university	university	NOUN
fsr-3779	52	17	)	)	PUNCT
fsr-3779	52	18	and	and	CCONJ
fsr-3779	52	19	esther	esther	PROPN
fsr-3779	52	20	lazarovich	lazarovich	PROPN
fsr-3779	52	21	-	-	PUNCT
fsr-3779	52	22	porat	porat	NOUN
fsr-3779	52	23	(	(	PUNCT
fsr-3779	52	24	university	university	PROPN
fsr-3779	52	25	of	of	ADP
fsr-3779	52	26	florida	florida	PROPN
fsr-3779	52	27	and	and	CCONJ
fsr-3779	52	28	hebrew	hebrew	ADJ
fsr-3779	52	29	university	university	NOUN
fsr-3779	52	30	)	)	PUNCT
fsr-3779	52	31	theoretical	theoretical	ADJ
fsr-3779	52	32	models	model	NOUN
fsr-3779	52	33	provide	provide	VERB
fsr-3779	52	34	unsatisfacto~	unsatisfacto~	PROPN
fsr-3779	52	35	solutions	solution	NOUN
fsr-3779	52	36	to	to	ADP
fsr-3779	52	37	many	many	ADJ
fsr-3779	52	38	issues	issue	NOUN
fsr-3779	52	39	in	in	ADP
fsr-3779	52	40	finance	finance	NOUN
fsr-3779	52	41	and	and	CCONJ
fsr-3779	52	42	economics	economic	NOUN
fsr-3779	52	43	.	.	PUNCT
fsr-3779	53	1	for	for	ADP
fsr-3779	53	2	some	some	DET
fsr-3779	53	3	important	important	ADJ
fsr-3779	53	4	issues	issue	NOUN
fsr-3779	53	5	,	,	PUNCT
fsr-3779	53	6	signaling	signal	VERB
fsr-3779	53	7	theory	theory	NOUN
fsr-3779	53	8	bridges	bridge	VERB
fsr-3779	53	9	the	the	DET
fsr-3779	53	10	gap	gap	NOUN
fsr-3779	53	11	between	between	ADP
fsr-3779	53	12	the	the	DET
fsr-3779	53	13	theoretical	theoretical	ADJ
fsr-3779	53	14	solutions	solution	NOUN
fsr-3779	53	15	and	and	CCONJ
fsr-3779	53	16	the	the	DET
fsr-3779	53	17	firm	firm	NOUN
fsr-3779	53	18	’s	’s	PART
fsr-3779	53	19	actual	actual	ADJ
fsr-3779	53	20	behavior	behavior	NOUN
fsr-3779	53	21	.	.	PUNCT
fsr-3779	54	1	however	however	ADV
fsr-3779	54	2	,	,	PUNCT
fsr-3779	54	3	many	many	ADJ
fsr-3779	54	4	of	of	ADP
fsr-3779	54	5	the	the	DET
fsr-3779	54	6	signaling	signal	VERB
fsr-3779	54	7	theories	theory	NOUN
fsr-3779	54	8	are	be	AUX
fsr-3779	54	9	difficult	difficult	ADJ
fsr-3779	54	10	,	,	PUNCT
fsr-3779	54	11	if	if	SCONJ
fsr-3779	54	12	not	not	PART
fsr-3779	54	13	impossible	impossible	ADJ
fsr-3779	54	14	,	,	PUNCT
fsr-3779	54	15	to	to	PART
fsr-3779	54	16	test	test	VERB
fsr-3779	54	17	empirically	empirically	ADV
fsr-3779	54	18	.	.	PUNCT
fsr-3779	55	1	in	in	ADP
fsr-3779	55	2	this	this	DET
fsr-3779	55	3	paper	paper	NOUN
fsr-3779	55	4	,	,	PUNCT
fsr-3779	55	5	we	we	PRON
fsr-3779	55	6	provide	provide	VERB
fsr-3779	55	7	experimental	experimental	ADJ
fsr-3779	55	8	tests	test	NOUN
fsr-3779	55	9	of	of	ADP
fsr-3779	55	10	one	one	NUM
fsr-3779	55	11	of	of	ADP
fsr-3779	55	12	the	the	DET
fsr-3779	55	13	signaling	signal	VERB
fsr-3779	55	14	theories	theory	NOUN
fsr-3779	55	15	.	.	PUNCT
fsr-3779	56	1	we	we	PRON
fsr-3779	56	2	test	test	VERB
fsr-3779	56	3	the	the	DET
fsr-3779	56	4	hypothesis	hypothesis	NOUN
fsr-3779	56	5	that	that	PRON
fsr-3779	56	6	the	the	PRON
fsr-3779	56	7	larger	large	ADJ
fsr-3779	56	8	the	the	DET
fsr-3779	56	9	propo	propo	NOUN
fsr-3779	56	10	~	~	SYM
fsr-3779	56	11	ion	ion	NOUN
fsr-3779	56	12	of	of	ADP
fsr-3779	56	13	ent	ent	NOUN
fsr-3779	56	14	~	~	PROPN
fsr-3779	56	15	preneur	preneur	NOUN
fsr-3779	56	16	p	p	NOUN
fsr-3779	56	17	~	~	PROPN
fsr-3779	56	18	icipation	icipation	NOUN
fsr-3779	56	19	in	in	ADP
fsr-3779	56	20	a	a	DET
fsr-3779	56	21	project	project	NOUN
fsr-3779	56	22	,	,	PUNCT
fsr-3779	56	23	the	the	DET
fsr-3779	56	24	higher	high	ADJ
fsr-3779	56	25	is	be	AUX
fsr-3779	56	26	its	its	PRON
fsr-3779	56	27	stock	stock	NOUN
fsr-3779	56	28	prices	price	NOUN
fsr-3779	56	29	,	,	PUNCT
fsr-3779	56	30	as	as	SCONJ
fsr-3779	56	31	determined	determine	VERB
fsr-3779	56	32	in	in	ADP
fsr-3779	56	33	an	an	DET
fsr-3779	56	34	auction	auction	NOUN
fsr-3779	56	35	.	.	PUNCT
fsr-3779	57	1	the	the	DET
fsr-3779	57	2	results	result	NOUN
fsr-3779	57	3	strongly	strongly	ADV
fsr-3779	57	4	support	support	VERB
fsr-3779	57	5	the	the	DET
fsr-3779	57	6	hypothesis	hypothesis	NOUN
fsr-3779	57	7	.	.	PUNCT
fsr-3779	58	1	journal	journal	PROPN
fsr-3779	58	2	ofeconomics	ofeconomic	NOUN
fsr-3779	58	3	and	and	CCONJ
fsr-3779	58	4	business	business	NOUN
fsr-3779	58	5	,	,	PUNCT
fsr-3779	58	6	february	february	PROPN
fsr-3779	58	7	1995,47(1):39	1995,47(1):39	PROPN
fsr-3779	58	8	-	-	SYM
fsr-3779	58	9	56	56	NUM
fsr-3779	58	10	.	.	PUNCT
fsr-3779	59	1	(	(	PUNCT
fsr-3779	59	2	reprinted	reprint	VERB
fsr-3779	59	3	with	with	ADP
fsr-3779	59	4	permis	permis	NOUN
fsr-3779	59	5	sion	sion	PROPN
fsr-3779	59	6	of	of	ADP
fsr-3779	59	7	north	north	NOUN
fsr-3779	59	8	-	-	PUNCT
fsr-3779	59	9	holland	holland	PROPN
fsr-3779	59	10	publishing	publishing	PROPN
fsr-3779	59	11	company	company	NOUN
fsr-3779	59	12	.	.	PUNCT
fsr-3779	59	13	)	)	PUNCT
fsr-3779	60	1	160	160	NUM
fsr-3779	60	2	financial	financial	ADJ
fsr-3779	60	3	services	service	NOUN
fsr-3779	60	4	review	review	NOUN
fsr-3779	60	5	4(2	4(2	NUM
fsr-3779	60	6	)	)	PUNCT
fsr-3779	60	7	1995	1995	NUM
fsr-3779	60	8	the	the	DET
fsr-3779	60	9	impact	impact	NOUN
fsr-3779	60	10	of	of	ADP
fsr-3779	60	11	calls	call	NOUN
fsr-3779	60	12	of	of	ADP
fsr-3779	60	13	preferred	preferred	ADJ
fsr-3779	60	14	stock	stock	NOUN
fsr-3779	60	15	on	on	ADP
fsr-3779	60	16	common	common	ADJ
fsr-3779	60	17	sha	sha	PROPN
fsr-3779	60	18	~	~	SYM
fsr-3779	60	19	holde~	holde~	NOUN
fsr-3779	60	20	’	'	PUNCT
fsr-3779	60	21	wealth	wealth	NOUN
fsr-3779	60	22	,	,	PUNCT
fsr-3779	60	23	by	by	ADP
fsr-3779	60	24	archana	archana	PROPN
fsr-3779	60	25	hingorani	hingorani	PROPN
fsr-3779	60	26	,	,	PUNCT
fsr-3779	60	27	anil	anil	PROPN
fsr-3779	60	28	k.	k.	PROPN
fsr-3779	60	29	makhija	makhija	PROPN
fsr-3779	60	30	and	and	CCONJ
fsr-3779	60	31	kuldeep	kuldeep	PROPN
fsr-3779	60	32	shastri	shastri	PROPN
fsr-3779	60	33	(	(	PUNCT
fsr-3779	60	34	university	university	NOUN
fsr-3779	60	35	of	of	ADP
fsr-3779	60	36	pitts	pitts	PROPN
fsr-3779	60	37	burgh	burgh	PROPN
fsr-3779	60	38	)	)	PUNCT
fsr-3779	60	39	this	this	DET
fsr-3779	60	40	paper	paper	NOUN
fsr-3779	60	41	examines	examine	VERB
fsr-3779	60	42	the	the	DET
fsr-3779	60	43	behavior	behavior	NOUN
fsr-3779	60	44	of	of	ADP
fsr-3779	60	45	common	common	ADJ
fsr-3779	60	46	stock	stock	NOUN
fsr-3779	60	47	prices	price	NOUN
fsr-3779	60	48	around	around	ADP
fsr-3779	60	49	the	the	DET
fsr-3779	60	50	announcement	announcement	NOUN
fsr-3779	60	51	dates	date	NOUN
fsr-3779	60	52	of	of	ADP
fsr-3779	60	53	calls	call	NOUN
fsr-3779	60	54	of	of	ADP
fsr-3779	60	55	straight	straight	ADJ
fsr-3779	60	56	and	and	CCONJ
fsr-3779	60	57	convertible	convertible	ADJ
fsr-3779	60	58	preferred	preferred	ADJ
fsr-3779	60	59	stock	stock	NOUN
fsr-3779	60	60	.	.	PUNCT
fsr-3779	61	1	our	our	PRON
fsr-3779	61	2	resuhs	resuhs	NOUN
fsr-3779	61	3	indicate	indicate	VERB
fsr-3779	61	4	that	that	SCONJ
fsr-3779	61	5	ealis	eali	NOUN
fsr-3779	61	6	of	of	ADP
fsr-3779	61	7	in	in	ADP
fsr-3779	61	8	-	-	PUNCT
fsr-3779	61	9	the	the	DET
fsr-3779	61	10	-	-	PUNCT
fsr-3779	61	11	money	money	NOUN
fsr-3779	61	12	convertibles	convertible	NOUN
fsr-3779	61	13	are	be	AUX
fsr-3779	61	14	associated	associate	VERB
fsr-3779	61	15	with	with	ADP
fsr-3779	61	16	stock	stock	NOUN
fsr-3779	61	17	price	price	NOUN
fsr-3779	61	18	increases	increase	NOUN
fsr-3779	61	19	.	.	PUNCT
fsr-3779	62	1	in	in	ADP
fsr-3779	62	2	addition	addition	NOUN
fsr-3779	62	3	,	,	PUNCT
fsr-3779	62	4	our	our	PRON
fsr-3779	62	5	results	result	NOUN
fsr-3779	62	6	indicate	indicate	VERB
fsr-3779	62	7	that	that	SCONJ
fsr-3779	62	8	the	the	DET
fsr-3779	62	9	negative	negative	ADJ
fsr-3779	62	10	price	price	NOUN
fsr-3779	62	11	impact	impact	NOUN
fsr-3779	62	12	of	of	ADP
fsr-3779	62	13	in	in	ADP
fsr-3779	62	14	-	-	PUNCT
fsr-3779	62	15	the	the	DET
fsr-3779	62	16	-	-	PUNCT
fsr-3779	62	17	money	money	NOUN
fsr-3779	62	18	calls	call	NOUN
fsr-3779	62	19	is	be	AUX
fsr-3779	62	20	related	relate	VERB
fsr-3779	62	21	to	to	ADP
fsr-3779	62	22	the	the	DET
fsr-3779	62	23	reduction	reduction	NOUN
fsr-3779	62	24	in	in	ADP
fsr-3779	62	25	cash	cash	NOUN
fsr-3779	62	26	dividend	dividend	NOUN
fsr-3779	62	27	payout	payout	NOUN
fsr-3779	62	28	induced	induce	VERB
fsr-3779	62	29	by	by	ADP
fsr-3779	62	30	the	the	DET
fsr-3779	62	31	conversion	conversion	NOUN
fsr-3779	62	32	of	of	ADP
fsr-3779	62	33	preferred	preferred	ADJ
fsr-3779	62	34	stock	stock	NOUN
fsr-3779	62	35	to	to	ADP
fsr-3779	62	36	common	common	ADJ
fsr-3779	62	37	stock	stock	NOUN
fsr-3779	62	38	,	,	PUNCT
fsr-3779	62	39	and	and	CCONJ
fsr-3779	62	40	not	not	PART
fsr-3779	62	41	related	relate	VERB
fsr-3779	62	42	to	to	ADP
fsr-3779	62	43	whether	whether	SCONJ
fsr-3779	62	44	the	the	DET
fsr-3779	62	45	call	call	NOUN
fsr-3779	62	46	is	be	AUX
fsr-3779	62	47	underwritten	underwritten	ADJ
fsr-3779	62	48	or	or	CCONJ
fsr-3779	62	49	not	not	PART
fsr-3779	62	50	,	,	PUNCT
fsr-3779	62	51	and	and	CCONJ
fsr-3779	62	52	the	the	DET
fsr-3779	62	53	“	"	PUNCT
fsr-3779	62	54	moneyness	moneyness	NOUN
fsr-3779	62	55	”	"	PUNCT
fsr-3779	62	56	of	of	ADP
fsr-3779	62	57	the	the	DET
fsr-3779	62	58	convertible	convertible	ADJ
fsr-3779	62	59	preferred	prefer	VERB
fsr-3779	62	60	.	.	PUNCT
fsr-3779	63	1	finally	finally	ADV
fsr-3779	63	2	,	,	PUNCT
fsr-3779	63	3	we	we	PRON
fsr-3779	63	4	find	find	VERB
fsr-3779	63	5	that	that	SCONJ
fsr-3779	63	6	calls	call	NOUN
fsr-3779	63	7	of	of	ADP
fsr-3779	63	8	straight	straight	ADJ
fsr-3779	63	9	preferred	preferred	ADJ
fsr-3779	63	10	that	that	PRON
fsr-3779	63	11	are	be	AUX
fsr-3779	63	12	financed	finance	VERB
fsr-3779	63	13	with	with	ADP
fsr-3779	63	14	debt	debt	NOUN
fsr-3779	63	15	result	result	NOUN
fsr-3779	63	16	in	in	ADP
fsr-3779	63	17	an	an	DET
fsr-3779	63	18	increase	increase	NOUN
fsr-3779	63	19	in	in	ADP
fsr-3779	63	20	stock	stock	NOUN
fsr-3779	63	21	price	price	NOUN
fsr-3779	63	22	,	,	PUNCT
fsr-3779	63	23	while	while	SCONJ
fsr-3779	63	24	all	all	DET
fsr-3779	63	25	other	other	ADJ
fsr-3779	63	26	straight	straight	ADJ
fsr-3779	63	27	preferred	preferred	ADJ
fsr-3779	63	28	calls	call	NOUN
fsr-3779	63	29	have	have	VERB
fsr-3779	63	30	no	no	DET
fsr-3779	63	31	impact	impact	NOUN
fsr-3779	63	32	on	on	ADP
fsr-3779	63	33	stock	stock	NOUN
fsr-3779	63	34	price	price	NOUN
fsr-3779	63	35	.	.	PUNCT
fsr-3779	64	1	journal	journal	PROPN
fsr-3779	64	2	ofbunking	ofbunking	NOUN
fsr-3779	64	3	and	and	CCONJ
fsr-3779	64	4	finance	finance	NOUN
fsr-3779	64	5	,	,	PUNCT
fsr-3779	64	6	december	december	PROPN
fsr-3779	64	7	1994,18(6	1994,18(6	NOUN
fsr-3779	64	8	):	):	PUNCT
fsr-3779	64	9	1095	1095	NUM
fsr-3779	64	10	-	-	PUNCT
fsr-3779	64	11	l	l	NOUN
fsr-3779	64	12	111	111	NUM
fsr-3779	64	13	.	.	PUNCT
fsr-3779	65	1	(	(	PUNCT
fsr-3779	65	2	reprinted	reprint	VERB
fsr-3779	65	3	with	with	ADP
fsr-3779	65	4	permission	permission	NOUN
fsr-3779	65	5	of	of	ADP
fsr-3779	65	6	north	north	NOUN
fsr-3779	65	7	-	-	PUNCT
fsr-3779	65	8	holland	holland	PROPN
fsr-3779	65	9	publishing	publishing	PROPN
fsr-3779	65	10	company	company	NOUN
fsr-3779	65	11	.	.	PUNCT
fsr-3779	65	12	)	)	PUNCT
fsr-3779	66	1	forward	forward	ADV
fsr-3779	66	2	exchange	exchange	NOUN
fsr-3779	66	3	bias	bias	NOUN
fsr-3779	66	4	,	,	PUNCT
fsr-3779	66	5	hedging	hedging	NOUN
fsr-3779	66	6	and	and	CCONJ
fsr-3779	66	7	the	the	DET
fsr-3779	66	8	gains	gain	NOUN
fsr-3779	66	9	from	from	ADP
fsr-3779	66	10	international	international	ADJ
fsr-3779	66	11	diversi	diversi	NOUN
fsr-3779	66	12	fication	fication	NOUN
fsr-3779	66	13	of	of	ADP
fsr-3779	66	14	investment	investment	NOUN
fsr-3779	66	15	portfolios	portfolio	NOUN
fsr-3779	66	16	,	,	PUNCT
fsr-3779	66	17	by	by	ADP
fsr-3779	66	18	h.	h.	PROPN
fsr-3779	66	19	levy	levy	PROPN
fsr-3779	66	20	and	and	CCONJ
fsr-3779	66	21	k.	k.	PROPN
fsr-3779	66	22	c.	c.	PROPN
fsr-3779	66	23	lim	lim	PROPN
fsr-3779	67	1	the	the	DET
fsr-3779	67	2	gains	gain	NOUN
fsr-3779	67	3	to	to	ADP
fsr-3779	67	4	the	the	DET
fsr-3779	67	5	u.s	u.s	PROPN
fsr-3779	67	6	.	.	PROPN
fsr-3779	67	7	investor	investor	NOUN
fsr-3779	67	8	from	from	ADP
fsr-3779	67	9	international	international	ADJ
fsr-3779	67	10	diversification	diversification	NOUN
fsr-3779	67	11	of	of	ADP
fsr-3779	67	12	investment	investment	NOUN
fsr-3779	67	13	portfolios	portfolio	NOUN
fsr-3779	67	14	are	be	AUX
fsr-3779	67	15	examined	examine	VERB
fsr-3779	67	16	for	for	ADP
fsr-3779	67	17	portfolio	portfolio	NOUN
fsr-3779	67	18	strategies	strategy	NOUN
fsr-3779	67	19	that	that	PRON
fsr-3779	67	20	hedge	hedge	VERB
fsr-3779	67	21	and	and	CCONJ
fsr-3779	67	22	strategies	strategy	NOUN
fsr-3779	67	23	that	that	PRON
fsr-3779	67	24	do	do	AUX
fsr-3779	67	25	not	not	PART
fsr-3779	67	26	hedge	hedge	VERB
fsr-3779	67	27	exchange	exchange	NOUN
fsr-3779	67	28	rate	rate	NOUN
fsr-3779	67	29	risk	risk	NOUN
fsr-3779	67	30	via	via	ADP
fsr-3779	67	31	the	the	DET
fsr-3779	67	32	interbank	interbank	NOUN
fsr-3779	67	33	forward	forward	ADJ
fsr-3779	67	34	market	market	NOUN
fsr-3779	67	35	.	.	PUNCT
fsr-3779	68	1	using	use	VERB
fsr-3779	68	2	the	the	DET
fsr-3779	68	3	sharpe	sharpe	NOUN
fsr-3779	68	4	performance	performance	NOUN
fsr-3779	68	5	index	index	NOUN
fsr-3779	68	6	and	and	CCONJ
fsr-3779	68	7	stochastic	stochastic	ADJ
fsr-3779	68	8	dominance	dominance	NOUN
fsr-3779	68	9	as	as	ADP
fsr-3779	68	10	performance	performance	NOUN
fsr-3779	68	11	measures	measure	NOUN
fsr-3779	68	12	,	,	PUNCT
fsr-3779	68	13	almost	almost	ADV
fsr-3779	68	14	all	all	DET
fsr-3779	68	15	the	the	DET
fsr-3779	68	16	unhedged	unhedged	ADJ
fsr-3779	68	17	strategies	strategy	NOUN
fsr-3779	68	18	outper	outper	NOUN
fsr-3779	68	19	formed	form	VERB
fsr-3779	68	20	the	the	DET
fsr-3779	68	21	hedged	hedge	VERB
fsr-3779	68	22	strategies	strategy	NOUN
fsr-3779	68	23	for	for	ADP
fsr-3779	68	24	1985	1985	NUM
fsr-3779	68	25	-	-	SYM
fsr-3779	68	26	88	88	NUM
fsr-3779	68	27	;	;	PUNCT
fsr-3779	68	28	the	the	DET
fsr-3779	68	29	opposite	opposite	NOUN
fsr-3779	68	30	held	hold	VERB
fsr-3779	68	31	for	for	ADP
fsr-3779	68	32	1981	1981	NUM
fsr-3779	68	33	-	-	SYM
fsr-3779	68	34	84	84	NUM
fsr-3779	68	35	.	.	PUNCT
fsr-3779	69	1	the	the	DET
fsr-3779	69	2	results	result	NOUN
fsr-3779	69	3	are	be	AUX
fsr-3779	69	4	explained	explain	VERB
fsr-3779	69	5	by	by	ADP
fsr-3779	69	6	the	the	DET
fsr-3779	69	7	biasedness	biasedness	NOUN
fsr-3779	69	8	of	of	ADP
fsr-3779	69	9	forward	forward	ADJ
fsr-3779	69	10	rates	rate	NOUN
fsr-3779	69	11	in	in	ADP
fsr-3779	69	12	predicting	predict	VERB
fsr-3779	69	13	future	future	ADJ
fsr-3779	69	14	spot	spot	NOUN
fsr-3779	69	15	rates	rate	NOUN
fsr-3779	69	16	.	.	PUNCT
fsr-3779	70	1	journal	journal	NOUN
fsr-3779	70	2	of	of	ADP
fsr-3779	70	3	international	international	ADJ
fsr-3779	70	4	money	money	NOUN
fsr-3779	70	5	and	and	CCONJ
fsr-3779	70	6	finance	finance	NOUN
fsr-3779	70	7	,	,	PUNCT
fsr-3779	70	8	april	april	PROPN
fsr-3779	70	9	1994	1994	NUM
fsr-3779	70	10	,	,	PUNCT
fsr-3779	70	11	13(2	13(2	NUM
fsr-3779	70	12	):	):	PUNCT
fsr-3779	70	13	159	159	NUM
fsr-3779	70	14	-	-	SYM
fsr-3779	70	15	170	170	NUM
fsr-3779	70	16	.	.	PUNCT
fsr-3779	71	1	(	(	PUNCT
fsr-3779	71	2	reprinted	reprint	VERB
fsr-3779	71	3	with	with	ADP
fsr-3779	71	4	permission	permission	NOUN
fsr-3779	71	5	of	of	ADP
fsr-3779	71	6	the	the	DET
fsr-3779	71	7	journal	journal	NOUN
fsr-3779	71	8	of	of	ADP
fsr-3779	71	9	economic	economic	ADJ
fsr-3779	71	10	literature	literature	NOUN
fsr-3779	71	11	.	.	PUNCT
fsr-3779	71	12	)	)	PUNCT
fsr-3779	72	1	individual	individual	ADJ
fsr-3779	72	2	risk	risk	NOUN
fsr-3779	72	3	management	management	NOUN
fsr-3779	72	4	and	and	CCONJ
fsr-3779	72	5	insukance	insukance	NOUN
fsr-3779	72	6	decisions	decision	NOUN
fsr-3779	72	7	the	the	DET
fsr-3779	72	8	effects	effect	NOUN
fsr-3779	72	9	of	of	ADP
fsr-3779	72	10	~ousehoid	~ousehoid	X
fsr-3779	72	11	charac~~sti~	charac~~sti~	NOUN
fsr-3779	72	12	on	on	ADP
fsr-3779	72	13	demand	demand	NOUN
fsr-3779	72	14	for	for	ADP
fsr-3779	72	15	insurance	insurance	NOUN
fsr-3779	72	16	:	:	PUNCT
fsr-3779	72	17	a	a	DET
fsr-3779	72	18	tobit	tobit	NOUN
fsr-3779	72	19	anatysis	anatysis	NOUN
fsr-3779	72	20	,	,	PUNCT
fsr-3779	72	21	by	by	ADP
fsr-3779	72	22	vince	vince	PROPN
fsr-3779	72	23	e.	e.	PROPN
fsr-3779	72	24	showers	showers	PROPN
fsr-3779	72	25	and	and	CCONJ
fsr-3779	72	26	joyce	joyce	PROPN
fsr-3779	72	27	a.	a.	PROPN
fsr-3779	72	28	shotick	shotick	PROPN
fsr-3779	72	29	(	(	PUNCT
fsr-3779	72	30	bradley	bradley	PROPN
fsr-3779	72	31	university	university	PROPN
fsr-3779	72	32	)	)	PUNCT
fsr-3779	72	33	tobit	tobit	NOUN
fsr-3779	72	34	analysis	analysis	NOUN
fsr-3779	72	35	is	be	AUX
fsr-3779	72	36	used	use	VERB
fsr-3779	72	37	to	to	PART
fsr-3779	72	38	analyze	analyze	VERB
fsr-3779	72	39	the	the	DET
fsr-3779	72	40	impact	impact	NOUN
fsr-3779	72	41	of	of	ADP
fsr-3779	72	42	household	household	NOUN
fsr-3779	72	43	characteristics	characteristic	NOUN
fsr-3779	72	44	on	on	ADP
fsr-3779	72	45	demand	demand	NOUN
fsr-3779	72	46	for	for	ADP
fsr-3779	72	47	total	total	ADJ
fsr-3779	72	48	insurance	insurance	NOUN
fsr-3779	72	49	.	.	PUNCT
fsr-3779	73	1	this	this	DET
fsr-3779	73	2	approach	approach	NOUN
fsr-3779	73	3	examines	examine	VERB
fsr-3779	73	4	the	the	DET
fsr-3779	73	5	marginal	marginal	ADJ
fsr-3779	73	6	change	change	NOUN
fsr-3779	73	7	in	in	ADP
fsr-3779	73	8	demand	demand	NOUN
fsr-3779	73	9	for	for	ADP
fsr-3779	73	10	insurance	insurance	NOUN
fsr-3779	73	11	,	,	PUNCT
fsr-3779	73	12	as	as	ADV
fsr-3779	73	13	well	well	ADV
fsr-3779	73	14	as	as	ADP
fsr-3779	73	15	the	the	DET
fsr-3779	73	16	change	change	NOUN
fsr-3779	73	17	in	in	ADP
fsr-3779	73	18	the	the	DET
fsr-3779	73	19	probability	probability	NOUN
fsr-3779	73	20	of	of	ADP
fsr-3779	73	21	purchasing	purchase	VERB
fsr-3779	73	22	insurance	insurance	NOUN
fsr-3779	73	23	.	.	PUNCT
fsr-3779	74	1	demand	demand	NOUN
fsr-3779	74	2	effects	effect	NOUN
fsr-3779	74	3	are	be	AUX
fsr-3779	74	4	dominated	dominate	VERB
fsr-3779	74	5	by	by	ADP
fsr-3779	74	6	the	the	DET
fsr-3779	74	7	marginal	marginal	ADJ
fsr-3779	74	8	impacts	impact	NOUN
fsr-3779	74	9	from	from	ADP
fsr-3779	74	10	existing	exist	VERB
fsr-3779	74	11	purchasers	purchaser	NOUN
fsr-3779	74	12	of	of	ADP
fsr-3779	74	13	insurance	insurance	NOUN
fsr-3779	74	14	.	.	PUNCT
fsr-3779	75	1	although	although	SCONJ
fsr-3779	75	2	income	income	NOUN
fsr-3779	75	3	and	and	CCONJ
fsr-3779	75	4	number	number	NOUN
fsr-3779	75	5	of	of	ADP
fsr-3779	75	6	earners	earner	NOUN
fsr-3779	75	7	are	be	AUX
fsr-3779	75	8	both	both	PRON
fsr-3779	75	9	positively	positively	ADV
fsr-3779	75	10	related	relate	VERB
fsr-3779	75	11	to	to	ADP
fsr-3779	75	12	the	the	DET
fsr-3779	75	13	demand	demand	NOUN
fsr-3779	75	14	for	for	ADP
fsr-3779	75	15	insurance	insurance	NOUN
fsr-3779	75	16	,	,	PUNCT
fsr-3779	75	17	the	the	DET
fsr-3779	75	18	marginal	marginal	ADJ
fsr-3779	75	19	effect	effect	NOUN
fsr-3779	75	20	from	from	ADP
fsr-3779	75	21	an	an	DET
fsr-3779	75	22	increase	increase	NOUN
fsr-3779	75	23	in	in	ADP
fsr-3779	75	24	income	income	NOUN
fsr-3779	75	25	is	be	AUX
fsr-3779	75	26	greater	great	ADJ
fsr-3779	75	27	for	for	ADP
fsr-3779	75	28	single	single	ADJ
fsr-3779	75	29	-	-	PUNCT
fsr-3779	75	30	earner	earner	NOUN
fsr-3779	75	31	households	household	NOUN
fsr-3779	75	32	than	than	ADP
fsr-3779	75	33	for	for	ADP
fsr-3779	75	34	multi	multi	ADJ
fsr-3779	75	35	-	-	ADJ
fsr-3779	75	36	earner	earner	ADJ
fsr-3779	75	37	house	house	NOUN
fsr-3779	75	38	holds	hold	VERB
fsr-3779	75	39	.	.	PUNCT
fsr-3779	76	1	also	also	ADV
fsr-3779	76	2	,	,	PUNCT
fsr-3779	76	3	as	as	ADP
fsr-3779	76	4	either	either	PRON
fsr-3779	76	5	family	family	NOUN
fsr-3779	76	6	size	size	NOUN
fsr-3779	76	7	or	or	CCONJ
fsr-3779	76	8	age	age	NOUN
fsr-3779	76	9	increases	increase	NOUN
fsr-3779	76	10	,	,	PUNCT
fsr-3779	76	11	the	the	DET
fsr-3779	76	12	marginal	marginal	ADJ
fsr-3779	76	13	increase	increase	NOUN
fsr-3779	76	14	in	in	ADP
fsr-3779	76	15	insurance	insurance	NOUN
fsr-3779	76	16	expenditure	expenditure	NOUN
fsr-3779	76	17	diminishes	diminish	VERB
fsr-3779	76	18	.	.	PUNCT
fsr-3779	77	1	the	the	DET
fsr-3779	77	2	journal	journal	NOUN
fsr-3779	77	3	of	of	ADP
fsr-3779	77	4	risk	risk	NOUN
fsr-3779	77	5	and	and	CCONJ
fsr-3779	77	6	insurance	insurance	NOUN
fsr-3779	77	7	,	,	PUNCT
fsr-3779	77	8	september	september	PROPN
fsr-3779	77	9	1994,61(3	1994,61(3	PROPN
fsr-3779	77	10	):	):	PUNCT
fsr-3779	77	11	492	492	NUM
fsr-3779	77	12	502	502	NUM
fsr-3779	77	13	.	.	PUNCT
fsr-3779	78	1	(	(	PUNCT
fsr-3779	78	2	reprinted	reprint	VERB
fsr-3779	78	3	with	with	ADP
fsr-3779	78	4	permission	permission	NOUN
fsr-3779	78	5	of	of	ADP
fsr-3779	78	6	the	the	DET
fsr-3779	78	7	journal	journal	NOUN
fsr-3779	78	8	of	of	ADP
fsr-3779	78	9	risk	risk	NOUN
fsr-3779	78	10	and	and	CCONJ
fsr-3779	78	11	insurance	insurance	NOUN
fsr-3779	78	12	.	.	PUNCT
fsr-3779	78	13	)	)	PUNCT
fsr-3779	79	1	abstracts	abstract	NOUN
fsr-3779	79	2	of	of	ADP
fsr-3779	79	3	articles	article	NOUN
fsr-3779	79	4	on	on	ADP
fsr-3779	79	5	individual	individual	ADJ
fsr-3779	79	6	financial	financial	ADJ
fsr-3779	79	7	management	management	NOUN
fsr-3779	79	8	161	161	NUM
fsr-3779	79	9	real	real	ADJ
fsr-3779	79	10	estate	estate	NOUN
fsr-3779	79	11	issues	issue	NOUN
fsr-3779	79	12	apartment	apartment	NOUN
fsr-3779	79	13	rent	rent	NOUN
fsr-3779	79	14	,	,	PUNCT
fsr-3779	79	15	concessions	concession	NOUN
fsr-3779	79	16	and	and	CCONJ
fsr-3779	79	17	occupancy	occupancy	NOUN
fsr-3779	79	18	rates	rate	NOUN
fsr-3779	79	19	,	,	PUNCT
fsr-3779	79	20	by	by	ADP
fsr-3779	79	21	g.	g.	PROPN
fsr-3779	79	22	stacy	stacy	PROPN
fsr-3779	79	23	sirmans	sirmans	PROPN
fsr-3779	79	24	(	(	PUNCT
fsr-3779	79	25	the	the	DET
fsr-3779	79	26	florida	florida	PROPN
fsr-3779	79	27	state	state	PROPN
fsr-3779	79	28	university	university	PROPN
fsr-3779	79	29	)	)	PUNCT
fsr-3779	79	30	,	,	PUNCT
fsr-3779	79	31	c.	c.	PROPN
fsr-3779	79	32	f.	f.	PROPN
fsr-3779	79	33	sirmans	sirmans	PROPN
fsr-3779	79	34	(	(	PUNCT
fsr-3779	79	35	university	university	NOUN
fsr-3779	79	36	of	of	ADP
fsr-3779	79	37	connecticut	connecticut	PROPN
fsr-3779	79	38	)	)	PUNCT
fsr-3779	79	39	and	and	CCONJ
fsr-3779	79	40	john	john	PROPN
fsr-3779	79	41	d.	d.	PROPN
fsr-3779	79	42	benjamin	benjamin	PROPN
fsr-3779	79	43	(	(	PUNCT
fsr-3779	79	44	the	the	DET
fsr-3779	79	45	american	american	PROPN
fsr-3779	79	46	university	university	PROPN
fsr-3779	79	47	)	)	PUNCT
fsr-3779	79	48	this	this	DET
fsr-3779	79	49	paper	paper	NOUN
fsr-3779	79	50	examines	examine	VERB
fsr-3779	79	51	the	the	DET
fsr-3779	79	52	effects	effect	NOUN
fsr-3779	79	53	of	of	ADP
fsr-3779	79	54	rental	rental	ADJ
fsr-3779	79	55	concessions	concession	NOUN
fsr-3779	79	56	on	on	ADP
fsr-3779	79	57	apartment	apartment	NOUN
fsr-3779	79	58	rent	rent	NOUN
fsr-3779	79	59	and	and	CCONJ
fsr-3779	79	60	occupancy	occupancy	NOUN
fsr-3779	79	61	rates	rate	NOUN
fsr-3779	79	62	.	.	PUNCT
fsr-3779	80	1	using	use	VERB
fsr-3779	80	2	limited	limited	ADJ
fsr-3779	80	3	-	-	PUNCT
fsr-3779	80	4	information	information	NOUN
fsr-3779	80	5	maximum	maximum	ADJ
fsr-3779	80	6	likelihood	likelihood	NOUN
fsr-3779	80	7	estimation	estimation	NOUN
fsr-3779	80	8	,	,	PUNCT
fsr-3779	80	9	equations	equation	NOUN
fsr-3779	80	10	for	for	ADP
fsr-3779	80	11	rent	rent	NOUN
fsr-3779	80	12	,	,	PUNCT
fsr-3779	80	13	occu	occu	VERB
fsr-3779	80	14	pancy	pancy	NOUN
fsr-3779	80	15	and	and	CCONJ
fsr-3779	80	16	concessions	concession	NOUN
fsr-3779	80	17	have	have	VERB
fsr-3779	80	18	a	a	DET
fsr-3779	80	19	positive	positive	ADJ
fsr-3779	80	20	effect	effect	NOUN
fsr-3779	80	21	on	on	ADP
fsr-3779	80	22	both	both	CCONJ
fsr-3779	80	23	rent	rent	NOUN
fsr-3779	80	24	and	and	CCONJ
fsr-3779	80	25	occupancy	occupancy	NOUN
fsr-3779	80	26	rates	rate	NOUN
fsr-3779	80	27	.	.	PUNCT
fsr-3779	81	1	rental	rental	ADJ
fsr-3779	81	2	concessions	concession	NOUN
fsr-3779	81	3	seem	seem	VERB
fsr-3779	81	4	to	to	PART
fsr-3779	81	5	provide	provide	VERB
fsr-3779	81	6	the	the	DET
fsr-3779	81	7	landlord	landlord	NOUN
fsr-3779	81	8	a	a	DET
fsr-3779	81	9	means	means	NOUN
fsr-3779	81	10	to	to	PART
fsr-3779	81	11	collect	collect	VERB
fsr-3779	81	12	higher	high	ADJ
fsr-3779	81	13	average	average	ADJ
fsr-3779	81	14	rent	rent	NOUN
fsr-3779	81	15	and	and	CCONJ
fsr-3779	81	16	at	at	ADP
fsr-3779	81	17	the	the	DET
fsr-3779	81	18	same	same	ADJ
fsr-3779	81	19	time	time	NOUN
fsr-3779	81	20	to	to	PART
fsr-3779	81	21	increase	increase	VERB
fsr-3779	81	22	occupancy	occupancy	NOUN
fsr-3779	81	23	rates	rate	NOUN
fsr-3779	81	24	.	.	PUNCT
fsr-3779	82	1	the	the	DET
fsr-3779	82	2	results	result	NOUN
fsr-3779	82	3	also	also	ADV
fsr-3779	82	4	indicate	indicate	VERB
fsr-3779	82	5	that	that	SCONJ
fsr-3779	82	6	a	a	DET
fsr-3779	82	7	negative	negative	ADJ
fsr-3779	82	8	relationship	relationship	NOUN
fsr-3779	82	9	exists	exist	VERB
fsr-3779	82	10	between	between	ADP
fsr-3779	82	11	rent	rent	NOUN
fsr-3779	82	12	and	and	CCONJ
fsr-3779	82	13	occupancy	occupancy	NOUN
fsr-3779	82	14	rates	rate	NOUN
fsr-3779	82	15	and	and	CCONJ
fsr-3779	82	16	that	that	SCONJ
fsr-3779	82	17	certain	certain	ADJ
fsr-3779	82	18	amenities	amenity	NOUN
fsr-3779	82	19	,	,	PUNCT
fsr-3779	82	20	services	service	NOUN
fsr-3779	82	21	and	and	CCONJ
fsr-3779	82	22	occupancy	occupancy	NOUN
fsr-3779	82	23	restrictions	restriction	NOUN
fsr-3779	82	24	influence	influence	NOUN
fsr-3779	82	25	rent	rent	NOUN
fsr-3779	82	26	.	.	PUNCT
fsr-3779	83	1	the	the	DET
fsr-3779	83	2	journal	journal	NOUN
fsr-3779	83	3	of	of	ADP
fsr-3779	83	4	real	real	ADJ
fsr-3779	83	5	estate	estate	NOUN
fsr-3779	83	6	research	research	NOUN
fsr-3779	83	7	,	,	PUNCT
fsr-3779	83	8	summer	summer	NOUN
fsr-3779	83	9	1994	1994	NUM
fsr-3779	83	10	,	,	PUNCT
fsr-3779	83	11	9(3	9(3	NUM
fsr-3779	83	12	):	):	PUNCT
fsr-3779	83	13	299	299	NUM
fsr-3779	83	14	-	-	SYM
fsr-3779	83	15	3	3	NUM
fsr-3779	83	16	12	12	NUM
fsr-3779	83	17	.	.	PUNCT
fsr-3779	84	1	(	(	PUNCT
fsr-3779	84	2	reprinted	reprint	VERB
fsr-3779	84	3	with	with	ADP
fsr-3779	84	4	permission	permission	NOUN
fsr-3779	84	5	of	of	ADP
fsr-3779	84	6	the	the	DET
fsr-3779	84	7	journal	journal	NOUN
fsr-3779	84	8	of	of	ADP
fsr-3779	84	9	real	real	ADJ
fsr-3779	84	10	estate	estate	NOUN
fsr-3779	84	11	research	research	NOUN
fsr-3779	84	12	.	.	PUNCT
fsr-3779	84	13	)	)	PUNCT
fsr-3779	85	1	the	the	DET
fsr-3779	85	2	thrift	thrift	NOUN
fsr-3779	85	3	crisis	crisis	NOUN
fsr-3779	85	4	,	,	PUNCT
fsr-3779	85	5	mortgage	mortgage	NOUN
fsr-3779	85	6	-	-	PUNCT
fsr-3779	85	7	credit	credit	NOUN
fsr-3779	85	8	intermediation	intermediation	NOUN
fsr-3779	85	9	,	,	PUNCT
fsr-3779	85	10	and	and	CCONJ
fsr-3779	85	11	housing	housing	NOUN
fsr-3779	85	12	activity	activity	NOUN
fsr-3779	85	13	,	,	PUNCT
fsr-3779	85	14	by	by	ADP
fsr-3779	85	15	michael	michael	PROPN
fsr-3779	85	16	g.	g.	PROPN
fsr-3779	85	17	bradley	bradley	PROPN
fsr-3779	85	18	,	,	PUNCT
fsr-3779	85	19	stuart	stuart	PROPN
fsr-3779	85	20	a.	a.	PROPN
fsr-3779	85	21	gabriel	gabriel	PROPN
fsr-3779	85	22	,	,	PUNCT
fsr-3779	85	23	and	and	CCONJ
fsr-3779	85	24	mark	mark	PROPN
fsr-3779	85	25	e.	e.	PROPN
fsr-3779	85	26	wohar	wohar	PROPN
fsr-3779	85	27	this	this	DET
fsr-3779	85	28	paper	paper	NOUN
fsr-3779	85	29	evaluates	evaluate	VERB
fsr-3779	85	30	the	the	DET
fsr-3779	85	31	influence	influence	NOUN
fsr-3779	85	32	of	of	ADP
fsr-3779	85	33	periodic	periodic	ADJ
fsr-3779	85	34	disruptions	disruption	NOUN
fsr-3779	85	35	in	in	ADP
fsr-3779	85	36	the	the	DET
fsr-3779	85	37	thrift	thrift	NOUN
fsr-3779	85	38	industry	industry	NOUN
fsr-3779	85	39	on	on	ADP
fsr-3779	85	40	mortgage	mortgage	NOUN
fsr-3779	85	41	credit	credit	NOUN
fsr-3779	85	42	intermediation	intermediation	NOUN
fsr-3779	85	43	and	and	CCONJ
fsr-3779	85	44	housing	housing	NOUN
fsr-3779	85	45	activity	activity	NOUN
fsr-3779	85	46	.	.	PUNCT
fsr-3779	86	1	results	result	NOUN
fsr-3779	86	2	of	of	ADP
fsr-3779	86	3	the	the	DET
fsr-3779	86	4	analysis	analysis	NOUN
fsr-3779	86	5	indicate	indicate	VERB
fsr-3779	86	6	that	that	SCONJ
fsr-3779	86	7	disruptions	disruption	NOUN
fsr-3779	86	8	in	in	ADP
fsr-3779	86	9	the	the	DET
fsr-3779	86	10	thrift	thrift	NOUN
fsr-3779	86	11	industry	industry	NOUN
fsr-3779	86	12	during	during	ADP
fsr-3779	86	13	the	the	DET
fsr-3779	86	14	early	early	ADJ
fsr-3779	86	15	1980s	1980	NOUN
fsr-3779	86	16	imposed	impose	VERB
fsr-3779	86	17	real	real	ADJ
fsr-3779	86	18	costs	cost	NOUN
fsr-3779	86	19	on	on	ADP
fsr-3779	86	20	the	the	DET
fsr-3779	86	21	economy	economy	NOUN
fsr-3779	86	22	by	by	ADP
fsr-3779	86	23	reducing	reduce	VERB
fsr-3779	86	24	the	the	DET
fsr-3779	86	25	amount	amount	NOUN
fsr-3779	86	26	of	of	ADP
fsr-3779	86	27	mortgage	mortgage	NOUN
fsr-3779	86	28	credit	credit	NOUN
fsr-3779	86	29	intermediation	intermediation	NOUN
fsr-3779	86	30	.	.	PUNCT
fsr-3779	87	1	estimation	estimation	NOUN
fsr-3779	87	2	findings	finding	NOUN
fsr-3779	87	3	indicate	indicate	VERB
fsr-3779	87	4	a	a	DET
fsr-3779	87	5	sizable	sizable	ADJ
fsr-3779	87	6	mortgage	mortgage	NOUN
fsr-3779	87	7	interest	interest	NOUN
fsr-3779	87	8	rate	rate	NOUN
fsr-3779	87	9	premium	premium	NOUN
fsr-3779	87	10	stemming	stem	VERB
fsr-3779	87	11	from	from	ADP
fsr-3779	87	12	the	the	DET
fsr-3779	87	13	loss	loss	NOUN
fsr-3779	87	14	in	in	ADP
fsr-3779	87	15	thrift	thrift	NOUN
fsr-3779	87	16	intermediation	intermediation	NOUN
fsr-3779	87	17	services	service	NOUN
fsr-3779	87	18	during	during	ADP
fsr-3779	87	19	the	the	DET
fsr-3779	87	20	early	early	ADJ
fsr-3779	87	21	1980s	1980s	NUM
fsr-3779	87	22	.	.	PUNCT
fsr-3779	88	1	those	those	DET
fsr-3779	88	2	higher	high	ADJ
fsr-3779	88	3	mortgage	mortgage	NOUN
fsr-3779	88	4	rates	rate	NOUN
fsr-3779	88	5	served	serve	VERB
fsr-3779	88	6	to	to	PART
fsr-3779	88	7	dampen	dampen	VERB
fsr-3779	88	8	housing	housing	NOUN
fsr-3779	88	9	demand	demand	NOUN
fsr-3779	88	10	,	,	PUNCT
fsr-3779	88	11	in	in	ADP
fsr-3779	88	12	turn	turn	NOUN
fsr-3779	88	13	exacerbating	exacerbate	VERB
fsr-3779	88	14	the	the	DET
fsr-3779	88	15	cyclical	cyclical	ADJ
fsr-3779	88	16	decline	decline	NOUN
fsr-3779	88	17	.	.	PUNCT
fsr-3779	89	1	in	in	ADP
fsr-3779	89	2	contrast	contrast	NOUN
fsr-3779	89	3	,	,	PUNCT
fsr-3779	89	4	empirical	empirical	ADJ
fsr-3779	89	5	findings	finding	NOUN
fsr-3779	89	6	for	for	ADP
fsr-3779	89	7	the	the	DET
fsr-3779	89	8	post	post	ADJ
fsr-3779	89	9	-	-	ADJ
fsr-3779	89	10	recession	recession	ADJ
fsr-3779	89	11	period	period	NOUN
fsr-3779	89	12	of	of	ADP
fsr-3779	89	13	the	the	DET
fsr-3779	89	14	1980s	1980	NOUN
fsr-3779	89	15	indicates	indicate	VERB
fsr-3779	89	16	a	a	DET
fsr-3779	89	17	severing	severing	NOUN
fsr-3779	89	18	of	of	ADP
fsr-3779	89	19	the	the	DET
fsr-3779	89	20	link	link	NOUN
fsr-3779	89	21	between	between	ADP
fsr-3779	89	22	mortgage	mortgage	NOUN
fsr-3779	89	23	interest	interest	NOUN
fsr-3779	89	24	rates	rate	NOUN
fsr-3779	89	25	and	and	CCONJ
fsr-3779	89	26	thrift	thrift	NOUN
fsr-3779	89	27	provision	provision	NOUN
fsr-3779	89	28	of	of	ADP
fsr-3779	89	29	mortgage	mortgage	NOUN
fsr-3779	89	30	credit	credit	NOUN
fsr-3779	89	31	.	.	PUNCT
fsr-3779	90	1	journal	journal	NOUN
fsr-3779	90	2	of	of	ADP
fsr-3779	90	3	money	money	NOUN
fsr-3779	90	4	,	,	PUNCT
fsr-3779	90	5	credit	credit	NOUN
fsr-3779	90	6	and	and	CCONJ
fsr-3779	90	7	banking	banking	NOUN
fsr-3779	90	8	,	,	PUNCT
fsr-3779	90	9	may	may	PROPN
fsr-3779	90	10	1995	1995	NUM
fsr-3779	90	11	,	,	PUNCT
fsr-3779	90	12	27(2	27(2	NUM
fsr-3779	90	13	):	):	PUNCT
fsr-3779	90	14	476497	476497	NUM
fsr-3779	90	15	.	.	PUNCT
fsr-3779	91	1	(	(	PUNCT
fsr-3779	91	2	reprinted	reprint	VERB
fsr-3779	91	3	with	with	ADP
fsr-3779	91	4	permission	permission	NOUN
fsr-3779	91	5	of	of	ADP
fsr-3779	91	6	the	the	DET
fsr-3779	91	7	journal	journal	NOUN
fsr-3779	91	8	of	of	ADP
fsr-3779	91	9	money	money	NOUN
fsr-3779	91	10	,	,	PUNCT
fsr-3779	91	11	credit	credit	NOUN
fsr-3779	91	12	and	and	CCONJ
fsr-3779	91	13	banking	banking	NOUN
fsr-3779	91	14	.	.	PUNCT
fsr-3779	91	15	)	)	PUNCT
fsr-3779	92	1	differentiated	differentiated	ADJ
fsr-3779	92	2	contracts	contract	NOUN
fsr-3779	92	3	,	,	PUNCT
fsr-3779	92	4	heterogeneous	heterogeneous	ADJ
fsr-3779	92	5	borrowers	borrower	NOUN
fsr-3779	92	6	and	and	CCONJ
fsr-3779	92	7	the	the	DET
fsr-3779	92	8	mortgage	mortgage	NOUN
fsr-3779	92	9	choice	choice	NOUN
fsr-3779	92	10	decision	decision	NOUN
fsr-3779	92	11	,	,	PUNCT
fsr-3779	92	12	by	by	ADP
fsr-3779	92	13	j.	j.	PROPN
fsr-3779	92	14	sa	sa	PROPN
fsr-3779	92	15	-	-	PUNCT
fsr-3779	92	16	aadu	aadu	NOUN
fsr-3779	92	17	(	(	PUNCT
fsr-3779	92	18	university	university	NOUN
fsr-3779	92	19	of	of	ADP
fsr-3779	92	20	iowa	iowa	PROPN
fsr-3779	92	21	)	)	PUNCT
fsr-3779	92	22	and	and	CCONJ
fsr-3779	92	23	c.	c.	PROPN
fsr-3779	92	24	f.	f.	PROPN
fsr-3779	92	25	sirmans	sirmans	PROPN
fsr-3779	92	26	(	(	PUNCT
fsr-3779	92	27	university	university	NOUN
fsr-3779	92	28	of	of	ADP
fsr-3779	92	29	connecticut	connecticut	PROPN
fsr-3779	92	30	)	)	PUNCT
fsr-3779	92	31	previous	previous	ADJ
fsr-3779	92	32	analyses	analysis	NOUN
fsr-3779	92	33	of	of	ADP
fsr-3779	92	34	mortgage	mortgage	NOUN
fsr-3779	92	35	choice	choice	NOUN
fsr-3779	92	36	assume	assume	VERB
fsr-3779	92	37	that	that	SCONJ
fsr-3779	92	38	arms	arm	NOUN
fsr-3779	92	39	are	be	AUX
fsr-3779	92	40	standard	standard	ADJ
fsr-3779	92	41	contracts	contract	NOUN
fsr-3779	92	42	and	and	CCONJ
fsr-3779	92	43	estimate	estimate	VERB
fsr-3779	92	44	bivariate	bivariate	ADJ
fsr-3779	92	45	models	model	NOUN
fsr-3779	92	46	.	.	PUNCT
fsr-3779	93	1	we	we	PRON
fsr-3779	93	2	estimate	estimate	VERB
fsr-3779	93	3	a	a	DET
fsr-3779	93	4	multinomial	multinomial	ADJ
fsr-3779	93	5	logit	logit	NOUN
fsr-3779	93	6	model	model	NOUN
fsr-3779	93	7	that	that	SCONJ
fsr-3779	93	8	explicitly	explicitly	ADV
fsr-3779	93	9	treats	treat	VERB
fsr-3779	93	10	mortgages	mortgage	NOUN
fsr-3779	93	11	as	as	ADP
fsr-3779	93	12	differentiated	differentiate	VERB
fsr-3779	93	13	contracts	contract	NOUN
fsr-3779	93	14	and	and	CCONJ
fsr-3779	93	15	provide	provide	VERB
fsr-3779	93	16	insights	insight	NOUN
fsr-3779	93	17	on	on	ADP
fsr-3779	93	18	several	several	ADJ
fsr-3779	93	19	important	important	ADJ
fsr-3779	93	20	issues	issue	NOUN
fsr-3779	93	21	:	:	PUNCT
fsr-3779	93	22	the	the	DET
fsr-3779	93	23	impact	impact	NOUN
fsr-3779	93	24	of	of	ADP
fsr-3779	93	25	price	price	NOUN
fsr-3779	93	26	variables	variable	NOUN
fsr-3779	93	27	differs	differ	VERB
fsr-3779	93	28	significantly	significantly	ADV
fsr-3779	93	29	across	across	ADP
fsr-3779	93	30	alternative	alternative	ADJ
fsr-3779	93	31	mortgage	mortgage	NOUN
fsr-3779	93	32	contracts	contract	NOUN
fsr-3779	93	33	;	;	PUNCT
fsr-3779	93	34	bor	bor	PROPN
fsr-3779	93	35	rower	rower	NOUN
fsr-3779	93	36	heterogeneity	heterogeneity	NOUN
fsr-3779	93	37	,	,	PUNCT
fsr-3779	93	38	particularly	particularly	ADV
fsr-3779	93	39	mobility	mobility	NOUN
fsr-3779	93	40	,	,	PUNCT
fsr-3779	93	41	influences	influence	VERB
fsr-3779	93	42	the	the	DET
fsr-3779	93	43	type	type	NOUN
fsr-3779	93	44	of	of	ADP
fsr-3779	93	45	contract	contract	NOUN
fsr-3779	93	46	chosen	choose	VERB
fsr-3779	93	47	;	;	PUNCT
fsr-3779	93	48	and	and	CCONJ
fsr-3779	93	49	borrowers	borrower	NOUN
fsr-3779	93	50	respond	respond	VERB
fsr-3779	93	51	to	to	ADP
fsr-3779	93	52	market	market	NOUN
fsr-3779	93	53	conditions	condition	NOUN
fsr-3779	93	54	as	as	SCONJ
fsr-3779	93	55	expected	expect	VERB
fsr-3779	93	56	when	when	SCONJ
fsr-3779	93	57	choosing	choose	VERB
fsr-3779	93	58	between	between	ADP
fsr-3779	93	59	alternative	alternative	ADJ
fsr-3779	93	60	mortgage	mortgage	NOUN
fsr-3779	93	61	contracts	contract	NOUN
fsr-3779	93	62	.	.	PUNCT
fsr-3779	94	1	journal	journal	NOUN
fsr-3779	94	2	of	of	ADP
fsr-3779	94	3	money	money	NOUN
fsr-3779	94	4	,	,	PUNCT
fsr-3779	94	5	credit	credit	NOUN
fsr-3779	94	6	and	and	CCONJ
fsr-3779	94	7	banking	banking	NOUN
fsr-3779	94	8	,	,	PUNCT
fsr-3779	94	9	may	may	PROPN
fsr-3779	94	10	1995	1995	NUM
fsr-3779	94	11	,	,	PUNCT
fsr-3779	94	12	27(2	27(2	NUM
fsr-3779	94	13	):	):	PUNCT
fsr-3779	94	14	498	498	NUM
fsr-3779	94	15	-	-	SYM
fsr-3779	94	16	510	510	NUM
fsr-3779	94	17	.	.	PUNCT
fsr-3779	95	1	(	(	PUNCT
fsr-3779	95	2	reprinted	reprint	VERB
fsr-3779	95	3	with	with	ADP
fsr-3779	95	4	permission	permission	NOUN
fsr-3779	95	5	of	of	ADP
fsr-3779	95	6	the	the	DET
fsr-3779	95	7	journal	journal	NOUN
fsr-3779	95	8	of	of	ADP
fsr-3779	95	9	money	money	NOUN
fsr-3779	95	10	,	,	PUNCT
fsr-3779	95	11	credit	credit	NOUN
fsr-3779	95	12	and	and	CCONJ
fsr-3779	95	13	banking	banking	NOUN
fsr-3779	95	14	.	.	PUNCT
fsr-3779	95	15	)	)	PUNCT
fsr-3779	96	1	162	162	NUM
fsr-3779	96	2	financial	financial	ADJ
fsr-3779	96	3	services	service	NOUN
fsr-3779	96	4	review	review	NOUN
fsr-3779	96	5	4(2	4(2	NUM
fsr-3779	96	6	)	)	PUNCT
fsr-3779	96	7	1995	1995	NUM
fsr-3779	96	8	dwellings	dwelling	NOUN
fsr-3779	96	9	for	for	ADP
fsr-3779	96	10	the	the	DET
fsr-3779	96	11	severely	severely	ADV
fsr-3779	96	12	mentally	mentally	ADV
fsr-3779	96	13	disabled	disabled	ADJ
fsr-3779	96	14	and	and	CCONJ
fsr-3779	96	15	neighborhood	neighborhood	NOUN
fsr-3779	96	16	property	property	NOUN
fsr-3779	96	17	values	value	NOUN
fsr-3779	96	18	:	:	PUNCT
fsr-3779	96	19	the	the	DET
fsr-3779	96	20	details	detail	NOUN
fsr-3779	96	21	matter	matter	VERB
fsr-3779	96	22	,	,	PUNCT
fsr-3779	96	23	by	by	ADP
fsr-3779	96	24	g.	g.	PROPN
fsr-3779	96	25	galster	galster	PROPN
fsr-3779	96	26	and	and	CCONJ
fsr-3779	96	27	y.	y.	PROPN
fsr-3779	96	28	williams	williams	PROPN
fsr-3779	96	29	this	this	DET
fsr-3779	96	30	research	research	NOUN
fsr-3779	96	31	investigates	investigate	VERB
fsr-3779	96	32	the	the	DET
fsr-3779	96	33	effects	effect	NOUN
fsr-3779	96	34	of	of	ADP
fsr-3779	96	35	dwellings	dwelling	NOUN
fsr-3779	96	36	occupied	occupy	VERB
fsr-3779	96	37	exclusively	exclusively	ADV
fsr-3779	96	38	by	by	ADP
fsr-3779	96	39	severely	severely	ADV
fsr-3779	96	40	mentally	mentally	ADV
fsr-3779	96	41	disabled	disabled	ADJ
fsr-3779	96	42	tenants	tenant	NOUN
fsr-3779	96	43	on	on	ADP
fsr-3779	96	44	sale	sale	NOUN
fsr-3779	96	45	prices	price	NOUN
fsr-3779	96	46	of	of	ADP
fsr-3779	96	47	nearby	nearby	ADJ
fsr-3779	96	48	homes	home	NOUN
fsr-3779	96	49	.	.	PUNCT
fsr-3779	97	1	hedonic	hedonic	ADJ
fsr-3779	97	2	price	price	NOUN
fsr-3779	97	3	models	model	NOUN
fsr-3779	97	4	are	be	AUX
fsr-3779	97	5	estimated	estimate	VERB
fsr-3779	97	6	for	for	ADP
fsr-3779	97	7	an	an	DET
fsr-3779	97	8	exhaustive	exhaustive	ADJ
fsr-3779	97	9	sample	sample	NOUN
fsr-3779	97	10	of	of	ADP
fsr-3779	97	11	single	single	ADJ
fsr-3779	97	12	-	-	PUNCT
fsr-3779	97	13	family	family	NOUN
fsr-3779	97	14	home	home	NOUN
fsr-3779	97	15	sales	sale	NOUN
fsr-3779	97	16	from	from	ADP
fsr-3779	97	17	1989	1989	NUM
fsr-3779	97	18	to	to	ADP
fsr-3779	97	19	first	first	ADJ
fsr-3779	97	20	quarter	quarter	NOUN
fsr-3779	97	21	1992	1992	NUM
fsr-3779	97	22	in	in	ADP
fsr-3779	97	23	newark	newark	PROPN
fsr-3779	97	24	and	and	CCONJ
fsr-3779	97	25	mt	mt	PROPN
fsr-3779	97	26	.	.	PROPN
fsr-3779	97	27	vernon	vernon	PROPN
fsr-3779	97	28	,	,	PUNCT
fsr-3779	97	29	ohio	ohio	PROPN
fsr-3779	97	30	.	.	PUNCT
fsr-3779	98	1	proximity	proximity	NOUN
fsr-3779	98	2	within	within	ADP
fsr-3779	98	3	two	two	NUM
fsr-3779	98	4	blocks	block	NOUN
fsr-3779	98	5	of	of	ADP
fsr-3779	98	6	rehabilitated	rehabilitate	VERB
fsr-3779	98	7	dwellings	dwelling	NOUN
fsr-3779	98	8	occupied	occupy	VERB
fsr-3779	98	9	by	by	ADP
fsr-3779	98	10	severely	severely	ADV
fsr-3779	98	11	mentally	mentally	ADV
fsr-3779	98	12	disabled	disabled	ADJ
fsr-3779	98	13	tenants	tenant	NOUN
fsr-3779	98	14	had	have	VERB
fsr-3779	98	15	no	no	DET
fsr-3779	98	16	significant	significant	ADJ
fsr-3779	98	17	relationship	relationship	NOUN
fsr-3779	98	18	with	with	ADP
fsr-3779	98	19	sales	sale	NOUN
fsr-3779	98	20	prices	price	NOUN
fsr-3779	98	21	.	.	PUNCT
fsr-3779	99	1	prices	price	NOUN
fsr-3779	99	2	of	of	ADP
fsr-3779	99	3	homes	home	NOUN
fsr-3779	99	4	proximate	proximate	VERB
fsr-3779	99	5	to	to	ADP
fsr-3779	99	6	two	two	NUM
fsr-3779	99	7	small	small	ADJ
fsr-3779	99	8	,	,	PUNCT
fsr-3779	99	9	newly	newly	ADV
fsr-3779	99	10	constructed	construct	VERB
fsr-3779	99	11	apartment	apartment	NOUN
fsr-3779	99	12	complexes	complex	NOUN
fsr-3779	99	13	were	be	AUX
fsr-3779	99	14	40	40	NUM
fsr-3779	99	15	percent	percent	NOUN
fsr-3779	99	16	lower	low	ADJ
fsr-3779	99	17	after	after	SCONJ
fsr-3779	99	18	the	the	DET
fsr-3779	99	19	complexes	complex	NOUN
fsr-3779	99	20	opened	open	VERB
fsr-3779	99	21	,	,	PUNCT
fsr-3779	99	22	although	although	SCONJ
fsr-3779	99	23	those	those	PRON
fsr-3779	99	24	near	near	ADP
fsr-3779	99	25	three	three	NUM
fsr-3779	99	26	other	other	ADJ
fsr-3779	99	27	similar	similar	ADJ
fsr-3779	99	28	apartment	apartment	NOUN
fsr-3779	99	29	complexes	complex	NOUN
fsr-3779	99	30	were	be	AUX
fsr-3779	99	31	not	not	PART
fsr-3779	99	32	.	.	PUNCT
fsr-3779	100	1	land	land	NOUN
fsr-3779	100	2	economics	economic	NOUN
fsr-3779	100	3	,	,	PUNCT
fsr-3779	100	4	november	november	PROPN
fsr-3779	100	5	1994	1994	NUM
fsr-3779	100	6	,	,	PUNCT
fsr-3779	100	7	70(4	70(4	NUM
fsr-3779	100	8	):	):	PUNCT
fsr-3779	100	9	466	466	NUM
fsr-3779	100	10	-	-	PUNCT
fsr-3779	100	11	477	477	NUM
fsr-3779	100	12	.	.	PUNCT
fsr-3779	101	1	(	(	PUNCT
fsr-3779	101	2	reprinted	reprint	VERB
fsr-3779	101	3	with	with	ADP
fsr-3779	101	4	permission	permission	NOUN
fsr-3779	101	5	of	of	ADP
fsr-3779	101	6	the	the	DET
fsr-3779	101	7	journal	journal	NOUN
fsr-3779	101	8	of	of	ADP
fsr-3779	101	9	economic	economic	ADJ
fsr-3779	101	10	literature	literature	NOUN
fsr-3779	101	11	.	.	PUNCT
fsr-3779	101	12	)	)	PUNCT
fsr-3779	102	1	taxation	taxation	NOUN
fsr-3779	102	2	the	the	DET
fsr-3779	102	3	influence	influence	NOUN
fsr-3779	102	4	of	of	ADP
fsr-3779	102	5	ethical	ethical	ADJ
fsr-3779	102	6	attitudes	attitude	NOUN
fsr-3779	102	7	on	on	ADP
fsr-3779	102	8	taxpayer	taxpayer	NOUN
fsr-3779	102	9	compliance	compliance	NOUN
fsr-3779	102	10	,	,	PUNCT
fsr-3779	102	11	by	by	ADP
fsr-3779	102	12	phillip	phillip	PROPN
fsr-3779	102	13	m.	m.	NOUN
fsr-3779	102	14	j.	j.	PROPN
fsr-3779	102	15	reekers	reekers	PROPN
fsr-3779	102	16	(	(	PUNCT
fsr-3779	102	17	arizona	arizona	PROPN
fsr-3779	102	18	state	state	PROPN
fsr-3779	102	19	university	university	PROPN
fsr-3779	102	20	)	)	PUNCT
fsr-3779	102	21	,	,	PUNCT
fsr-3779	102	22	debra	debra	PROPN
fsr-3779	102	23	l.	l.	PROPN
fsr-3779	102	24	sanders	sanders	PROPN
fsr-3779	102	25	(	(	PUNCT
fsr-3779	102	26	washington	washington	PROPN
fsr-3779	102	27	state	state	PROPN
fsr-3779	102	28	univer	univer	VERB
fsr-3779	102	29	sity	sity	NOUN
fsr-3779	102	30	,	,	PUNCT
fsr-3779	102	31	pullman	pullman	NOUN
fsr-3779	102	32	)	)	PUNCT
fsr-3779	102	33	and	and	CCONJ
fsr-3779	102	34	stephen	stephen	PROPN
fsr-3779	102	35	j.	j.	PROPN
fsr-3779	102	36	roark	roark	PROPN
fsr-3779	102	37	(	(	PUNCT
fsr-3779	102	38	missouri	missouri	PROPN
fsr-3779	102	39	southern	southern	PROPN
fsr-3779	102	40	state	state	PROPN
fsr-3779	102	41	college	college	PROPN
fsr-3779	102	42	)	)	PUNCT
fsr-3779	102	43	the	the	DET
fsr-3779	102	44	development	development	NOUN
fsr-3779	102	45	of	of	ADP
fsr-3779	102	46	tax	tax	NOUN
fsr-3779	102	47	decision	decision	NOUN
fsr-3779	102	48	-	-	PUNCT
fsr-3779	102	49	making	make	VERB
fsr-3779	102	50	models	model	NOUN
fsr-3779	102	51	has	have	AUX
fsr-3779	102	52	focused	focus	VERB
fsr-3779	102	53	on	on	ADP
fsr-3779	102	54	economic	economic	ADJ
fsr-3779	102	55	and	and	CCONJ
fsr-3779	102	56	behav	behav	NOUN
fsr-3779	102	57	ioral	ioral	ADJ
fsr-3779	102	58	factors	factor	NOUN
fsr-3779	102	59	affecting	affect	VERB
fsr-3779	102	60	compliance	compliance	NOUN
fsr-3779	102	61	.	.	PUNCT
fsr-3779	103	1	a	a	DET
fsr-3779	103	2	possible	possible	ADJ
fsr-3779	103	3	explanatory	explanatory	ADJ
fsr-3779	103	4	factor	factor	NOUN
fsr-3779	103	5	that	that	PRON
fsr-3779	103	6	has	have	AUX
fsr-3779	103	7	been	be	AUX
fsr-3779	103	8	overlooked	overlook	VERB
fsr-3779	103	9	in	in	ADP
fsr-3779	103	10	these	these	DET
fsr-3779	103	11	decision	decision	NOUN
fsr-3779	103	12	-	-	PUNCT
fsr-3779	103	13	making	make	VERB
fsr-3779	103	14	models	model	NOUN
fsr-3779	103	15	is	be	AUX
fsr-3779	103	16	tax	tax	NOUN
fsr-3779	103	17	ethical	ethical	ADJ
fsr-3779	103	18	beliefs	belief	NOUN
fsr-3779	103	19	.	.	PUNCT
fsr-3779	104	1	this	this	DET
fsr-3779	104	2	study	study	NOUN
fsr-3779	104	3	examines	examine	VERB
fsr-3779	104	4	the	the	DET
fsr-3779	104	5	influence	influence	NOUN
fsr-3779	104	6	of	of	ADP
fsr-3779	104	7	ethical	ethical	ADJ
fsr-3779	104	8	beliefs	belief	NOUN
fsr-3779	104	9	on	on	ADP
fsr-3779	104	10	tax	tax	NOUN
fsr-3779	104	11	compliance	compliance	NOUN
fsr-3779	104	12	decisions	decision	NOUN
fsr-3779	104	13	.	.	PUNCT
fsr-3779	105	1	specifically	specifically	ADV
fsr-3779	105	2	,	,	PUNCT
fsr-3779	105	3	the	the	DET
fsr-3779	105	4	research	research	NOUN
fsr-3779	105	5	empirically	empirically	ADV
fsr-3779	105	6	tests	test	VERB
fsr-3779	105	7	whether	whether	SCONJ
fsr-3779	105	8	an	an	DET
fsr-3779	105	9	individual	individual	NOUN
fsr-3779	105	10	’s	’s	PART
fsr-3779	105	11	ethical	ethical	ADJ
fsr-3779	105	12	beliefs	belief	NOUN
fsr-3779	105	13	about	about	ADP
fsr-3779	105	14	tax	tax	NOUN
fsr-3779	105	15	compliance	compliance	NOUN
fsr-3779	105	16	mediate	mediate	VERB
fsr-3779	105	17	withholding	withholding	NOUN
fsr-3779	105	18	effects	effect	NOUN
fsr-3779	105	19	(	(	PUNCT
fsr-3779	105	20	overwithheld	overwithheld	VERB
fsr-3779	105	21	or	or	CCONJ
fsr-3779	105	22	tax	tax	NOUN
fsr-3779	105	23	due	due	ADJ
fsr-3779	105	24	)	)	PUNCT
fsr-3779	105	25	and	and	CCONJ
fsr-3779	105	26	tax	tax	NOUN
fsr-3779	105	27	rate	rate	NOUN
fsr-3779	105	28	effects	effect	NOUN
fsr-3779	105	29	(	(	PUNCT
fsr-3779	105	30	low	low	ADJ
fsr-3779	105	31	or	or	CCONJ
fsr-3779	105	32	high	high	ADJ
fsr-3779	105	33	)	)	PUNCT
fsr-3779	105	34	in	in	ADP
fsr-3779	105	35	tax	tax	NOUN
fsr-3779	105	36	evasion	evasion	NOUN
fsr-3779	105	37	decisions	decision	NOUN
fsr-3779	105	38	.	.	PUNCT
fsr-3779	106	1	the	the	DET
fsr-3779	106	2	results	result	NOUN
fsr-3779	106	3	indicate	indicate	VERB
fsr-3779	106	4	that	that	SCONJ
fsr-3779	106	5	tax	tax	NOUN
fsr-3779	106	6	ethics	ethic	NOUN
fsr-3779	106	7	are	be	AUX
fsr-3779	106	8	highly	highly	ADV
fsr-3779	106	9	significant	significant	ADJ
fsr-3779	106	10	in	in	ADP
fsr-3779	106	11	tax	tax	NOUN
fsr-3779	106	12	evasion	evasion	NOUN
fsr-3779	106	13	decisions	decision	NOUN
fsr-3779	106	14	and	and	CCONJ
fsr-3779	106	15	may	may	AUX
fsr-3779	106	16	be	be	AUX
fsr-3779	106	17	a	a	DET
fsr-3779	106	18	“	"	PUNCT
fsr-3779	106	19	missing	missing	ADJ
fsr-3779	106	20	variable	variable	NOUN
fsr-3779	106	21	”	"	PUNCT
fsr-3779	106	22	in	in	ADP
fsr-3779	106	23	decision	decision	NOUN
fsr-3779	106	24	making	make	VERB
fsr-3779	106	25	models	model	NOUN
fsr-3779	106	26	.	.	PUNCT
fsr-3779	107	1	national	national	ADJ
fsr-3779	107	2	tax	tax	PROPN
fsr-3779	107	3	journal	journal	PROPN
fsr-3779	107	4	,	,	PUNCT
fsr-3779	107	5	december	december	PROPN
fsr-3779	107	6	1994	1994	NUM
fsr-3779	107	7	,	,	PUNCT
fsr-3779	107	8	xlvjj	xlvjj	PROPN
fsr-3779	107	9	(	(	PUNCT
fsr-3779	107	10	4	4	NUM
fsr-3779	107	11	):	):	PUNCT
fsr-3779	107	12	825	825	NUM
fsr-3779	107	13	-	-	SYM
fsr-3779	107	14	836	836	NUM
fsr-3779	107	15	.	.	PUNCT
fsr-3779	108	1	(	(	PUNCT
fsr-3779	108	2	reprinted	reprint	VERB
fsr-3779	108	3	with	with	ADP
fsr-3779	108	4	permission	permission	NOUN
fsr-3779	108	5	of	of	ADP
fsr-3779	108	6	the	the	DET
fsr-3779	108	7	national	national	ADJ
fsr-3779	108	8	tax	tax	PROPN
fsr-3779	108	9	journal	journal	PROPN
fsr-3779	108	10	.	.	PUNCT
fsr-3779	108	11	)	)	PUNCT