id	sid	tid	token	lemma	pos
fsr-3788	1	1	pii	pii	PROPN
fsr-3788	1	2	:	:	PUNCT
fsr-3788	1	3	s1057	s1057	NOUN
fsr-3788	1	4	-	-	PUNCT
fsr-3788	1	5	0810(96)90025	0810(96)90025	NUM
fsr-3788	1	6	-	-	PUNCT
fsr-3788	1	7	6	6	NUM
fsr-3788	1	8	financial	financial	ADJ
fsr-3788	1	9	services	service	NOUN
fsr-3788	1	10	review	review	NOUN
fsr-3788	1	11	,	,	PUNCT
fsr-3788	1	12	5	5	NUM
fsr-3788	1	13	(	(	PUNCT
fsr-3788	1	14	1	1	NUM
fsr-3788	1	15	):	):	PUNCT
fsr-3788	1	16	3	3	NUM
fsr-3788	1	17	142	142	NUM
fsr-3788	1	18	copyright	copyright	NOUN
fsr-3788	1	19	0	0	NUM
fsr-3788	1	20	1996	1996	NUM
fsr-3788	1	21	by	by	ADP
fsr-3788	1	22	jai	jai	PROPN
fsr-3788	1	23	ress	ress	PROPN
fsr-3788	1	24	inc	inc	PROPN
fsr-3788	1	25	.	.	PROPN
fsr-3788	1	26	issn	issn	PROPN
fsr-3788	1	27	:	:	PUNCT
fsr-3788	1	28	1057	1057	NUM
fsr-3788	1	29	-	-	SYM
fsr-3788	1	30	0810	0810	NUM
fsr-3788	1	31	all	all	DET
fsr-3788	1	32	rights	right	NOUN
fsr-3788	1	33	of	of	ADP
fsr-3788	1	34	reproduction	reproduction	NOUN
fsr-3788	1	35	in	in	ADP
fsr-3788	1	36	any	any	DET
fsr-3788	1	37	fom	fom	NOUN
fsr-3788	1	38	reserved	reserve	VERB
fsr-3788	1	39	.	.	PUNCT
fsr-3788	2	1	computing	compute	VERB
fsr-3788	2	2	yields	yield	NOUN
fsr-3788	2	3	on	on	ADP
fsr-3788	2	4	enhanced	enhanced	ADJ
fsr-3788	2	5	cds	cds	PROPN
fsr-3788	2	6	robert	robert	PROPN
fsr-3788	2	7	brooks	brooks	PROPN
fsr-3788	2	8	in	in	ADP
fsr-3788	2	9	this	this	DET
fsr-3788	2	10	paper	paper	NOUN
fsr-3788	2	11	,	,	PUNCT
fsr-3788	2	12	we	we	PRON
fsr-3788	2	13	seek	seek	VERB
fsr-3788	2	14	to	to	PART
fsr-3788	2	15	provide	provide	VERB
fsr-3788	2	16	a	a	DET
fsr-3788	2	17	framework	framework	NOUN
fsr-3788	2	18	for	for	ADP
fsr-3788	2	19	comparing	compare	VERB
fsr-3788	2	20	certificates	certificate	NOUN
fsr-3788	2	21	of	of	ADP
fsr-3788	2	22	deposit	deposit	NOUN
fsr-3788	2	23	(	(	PUNCT
fsr-3788	2	24	cd	cd	NOUN
fsr-3788	2	25	)	)	PUNCT
fsr-3788	2	26	products	product	NOUN
fsr-3788	2	27	that	that	PRON
fsr-3788	2	28	vary	vary	VERB
fsr-3788	2	29	in	in	ADP
fsr-3788	2	30	their	their	PRON
fsr-3788	2	31	features	feature	NOUN
fsr-3788	2	32	.	.	PUNCT
fsr-3788	3	1	there	there	PRON
fsr-3788	3	2	are	be	VERB
fsr-3788	3	3	now	now	ADV
fsr-3788	3	4	fixed	fix	VERB
fsr-3788	3	5	-	-	PUNCT
fsr-3788	3	6	rate	rate	NOUN
fsr-3788	3	7	cds	cd	NOUN
fsr-3788	3	8	with	with	ADP
fsr-3788	3	9	no	no	DET
fsr-3788	3	10	early	early	ADJ
fsr-3788	3	11	withdrawal	withdrawal	NOUN
fsr-3788	3	12	penalties	penalty	NOUN
fsr-3788	3	13	as	as	ADV
fsr-3788	3	14	well	well	ADV
fsr-3788	3	15	as	as	ADP
fsr-3788	3	16	floating	float	VERB
fsr-3788	3	17	-	-	PUNCT
fsr-3788	3	18	rate	rate	NOUN
fsr-3788	3	19	cds	cd	NOUN
fsr-3788	3	20	with	with	ADP
fsr-3788	3	21	guaranteed	guarantee	VERB
fsr-3788	3	22	floors	floor	NOUN
fsr-3788	3	23	.	.	PUNCT
fsr-3788	4	1	with	with	ADP
fsr-3788	4	2	the	the	DET
fsr-3788	4	3	model	model	NOUN
fsr-3788	4	4	developed	develop	VERB
fsr-3788	4	5	here	here	ADV
fsr-3788	4	6	,	,	PUNCT
fsr-3788	4	7	we	we	PRON
fsr-3788	4	8	examine	examine	VERB
fsr-3788	4	9	the	the	DET
fsr-3788	4	10	required	require	VERB
fsr-3788	4	11	change	change	NOUN
fsr-3788	4	12	in	in	ADP
fsr-3788	4	13	the	the	DET
fsr-3788	4	14	effective	effective	ADJ
fsr-3788	4	15	annual	annual	ADJ
fsr-3788	4	16	rate	rate	NOUN
fsr-3788	4	17	required	require	VERB
fsr-3788	4	18	in	in	ADP
fsr-3788	4	19	basis	basis	NOUN
fsr-3788	4	20	points	point	NOUN
fsr-3788	4	21	to	to	PART
fsr-3788	4	22	make	make	VERB
fsr-3788	4	23	cd	cd	NOUN
fsr-3788	4	24	products	product	NOUN
fsr-3788	4	25	with	with	ADP
fsr-3788	4	26	embedded	embed	VERB
fsr-3788	4	27	derivatives	derivative	NOUN
fsr-3788	4	28	(	(	PUNCT
fsr-3788	4	29	called	call	VERB
fsr-3788	4	30	enhanced	enhanced	ADJ
fsr-3788	4	31	cds	cd	NOUN
fsr-3788	4	32	)	)	PUNCT
fsr-3788	4	33	comparable	comparable	ADJ
fsr-3788	4	34	with	with	ADP
fsr-3788	4	35	the	the	DET
fsr-3788	4	36	standard	standard	ADJ
fsr-3788	4	37	cdproducts	cdproduct	NOUN
fsr-3788	4	38	(	(	PUNCT
fsr-3788	4	39	ones	one	NOUN
fsr-3788	4	40	with	with	ADP
fsr-3788	4	41	large	large	ADJ
fsr-3788	4	42	early	early	ADV
fsr-3788	4	43	with	with	ADP
fsr-3788	4	44	drawal	drawal	NOUN
fsr-3788	4	45	penalties	penalty	NOUN
fsr-3788	4	46	)	)	PUNCT
fsr-3788	4	47	.	.	PUNCT
fsr-3788	5	1	thisfiamework	thisfiamework	NOUN
fsr-3788	5	2	is	be	AUX
fsr-3788	5	3	beneficial	beneficial	ADJ
fsr-3788	5	4	for	for	ADP
fsr-3788	5	5	both	both	CCONJ
fsr-3788	5	6	retail	retail	ADJ
fsr-3788	5	7	customers	customer	NOUN
fsr-3788	5	8	seeking	seek	VERB
fsr-3788	5	9	to	to	PART
fsr-3788	5	10	make	make	VERB
fsr-3788	5	11	rational	rational	ADJ
fsr-3788	5	12	comparisons	comparison	NOUN
fsr-3788	5	13	and	and	CCONJ
fsr-3788	5	14	bank	bank	NOUN
fsr-3788	5	15	executives	executive	NOUN
fsr-3788	5	16	seeking	seek	VERB
fsr-3788	5	17	to	to	PART
fsr-3788	5	18	provide	provide	VERB
fsr-3788	5	19	optimal	optimal	ADJ
fsr-3788	5	20	liability	liability	NOUN
fsr-3788	5	21	products	product	NOUN
fsr-3788	5	22	and	and	CCONJ
fsr-3788	5	23	seeking	seek	VERB
fsr-3788	5	24	to	to	PART
fsr-3788	5	25	manage	manage	VERB
fsr-3788	5	26	the	the	DET
fsr-3788	5	27	resulting	result	VERB
fsr-3788	5	28	interest	interest	NOUN
fsr-3788	5	29	rate	rate	NOUN
fsr-3788	5	30	risk	risk	NOUN
fsr-3788	5	31	i.	i.	NOUN
fsr-3788	5	32	introduction	introduction	NOUN
fsr-3788	5	33	the	the	DET
fsr-3788	5	34	purpose	purpose	NOUN
fsr-3788	5	35	of	of	ADP
fsr-3788	5	36	this	this	DET
fsr-3788	5	37	paper	paper	NOUN
fsr-3788	5	38	is	be	AUX
fsr-3788	5	39	to	to	PART
fsr-3788	5	40	provide	provide	VERB
fsr-3788	5	41	a	a	DET
fsr-3788	5	42	general	general	ADJ
fsr-3788	5	43	framework	framework	NOUN
fsr-3788	5	44	for	for	ADP
fsr-3788	5	45	comparing	compare	VERB
fsr-3788	5	46	cd	cd	NOUN
fsr-3788	5	47	products	product	NOUN
fsr-3788	5	48	with	with	ADP
fsr-3788	5	49	emhedded	emhedded	ADJ
fsr-3788	5	50	options	option	NOUN
fsr-3788	5	51	.	.	PUNCT
fsr-3788	6	1	the	the	DET
fsr-3788	6	2	objective	objective	NOUN
fsr-3788	6	3	here	here	ADV
fsr-3788	6	4	is	be	AUX
fsr-3788	6	5	to	to	PART
fsr-3788	6	6	move	move	VERB
fsr-3788	6	7	toward	toward	ADP
fsr-3788	6	8	a	a	DET
fsr-3788	6	9	methodology	methodology	NOUN
fsr-3788	6	10	that	that	PRON
fsr-3788	6	11	would	would	AUX
fsr-3788	6	12	comply	comply	VERB
fsr-3788	6	13	with	with	ADP
fsr-3788	6	14	the	the	DET
fsr-3788	6	15	general	general	ADJ
fsr-3788	6	16	intent	intent	NOUN
fsr-3788	6	17	of	of	ADP
fsr-3788	6	18	the	the	DET
fsr-3788	6	19	truth	truth	NOUN
fsr-3788	6	20	in	in	ADP
fsr-3788	6	21	savings	saving	NOUN
fsr-3788	6	22	act	act	NOUN
fsr-3788	6	23	of	of	ADP
fsr-3788	6	24	1991	1991	NUM
fsr-3788	6	25	.	.	PUNCT
fsr-3788	7	1	section	section	NOUN
fsr-3788	7	2	262	262	NUM
fsr-3788	7	3	(	(	PUNCT
fsr-3788	7	4	h	h	NOUN
fsr-3788	7	5	)	)	PUNCT
fsr-3788	7	6	states	state	VERB
fsr-3788	7	7	that	that	SCONJ
fsr-3788	7	8	the	the	DET
fsr-3788	7	9	purpose	purpose	NOUN
fsr-3788	7	10	of	of	ADP
fsr-3788	7	11	this	this	DET
fsr-3788	7	12	act	act	NOUN
fsr-3788	7	13	is	be	AUX
fsr-3788	7	14	:	:	PUNCT
fsr-3788	7	15	.	.	PUNCT
fsr-3788	7	16	.	.	PUNCT
fsr-3788	7	17	.	.	PUNCT
fsr-3788	8	1	to	to	PART
fsr-3788	8	2	require	require	VERB
fsr-3788	8	3	the	the	DET
fsr-3788	8	4	clear	clear	ADJ
fsr-3788	8	5	and	and	CCONJ
fsr-3788	8	6	unifom~	unifom~	ADP
fsr-3788	8	7	disclosure	disclosure	NOUN
fsr-3788	8	8	of	of	ADP
fsr-3788	8	9	(	(	PUNCT
fsr-3788	8	10	1	1	X
fsr-3788	8	11	)	)	PUNCT
fsr-3788	8	12	the	the	DET
fsr-3788	8	13	rates	rate	NOUN
fsr-3788	8	14	of	of	ADP
fsr-3788	8	15	interest	interest	NOUN
fsr-3788	8	16	which	which	PRON
fsr-3788	8	17	are	be	AUX
fsr-3788	8	18	payable	payable	ADJ
fsr-3788	8	19	on	on	ADP
fsr-3788	8	20	deposit	deposit	NOUN
fsr-3788	8	21	accounts	account	NOUN
fsr-3788	8	22	by	by	ADP
fsr-3788	8	23	depository	depository	ADJ
fsr-3788	8	24	institu	institu	NOUN
fsr-3788	8	25	tions	tion	NOUN
fsr-3788	8	26	;	;	PUNCT
fsr-3788	8	27	and	and	CCONJ
fsr-3788	8	28	(	(	PUNCT
fsr-3788	8	29	2	2	X
fsr-3788	8	30	)	)	PUNCT
fsr-3788	8	31	the	the	DET
fsr-3788	8	32	fees	fee	NOUN
fsr-3788	8	33	that	that	PRON
fsr-3788	8	34	are	be	AUX
fsr-3788	8	35	assessable	assessable	ADJ
fsr-3788	8	36	against	against	ADP
fsr-3788	8	37	deposit	deposit	NOUN
fsr-3788	8	38	accounts	account	NOUN
fsr-3788	8	39	,	,	PUNCT
fsr-3788	8	40	so	so	SCONJ
fsr-3788	8	41	that	that	SCONJ
fsr-3788	8	42	consumers	consumer	NOUN
fsr-3788	8	43	can	can	AUX
fsr-3788	8	44	make	make	VERB
fsr-3788	8	45	a	a	DET
fsr-3788	8	46	meaningful	meaningful	ADJ
fsr-3788	8	47	comparison	comparison	NOUN
fsr-3788	8	48	between	between	ADP
fsr-3788	8	49	competing	compete	VERB
fsr-3788	8	50	claims	claim	NOUN
fsr-3788	8	51	(	(	PUNCT
fsr-3788	8	52	emphasis	emphasis	NOUN
fsr-3788	8	53	added	add	VERB
fsr-3788	8	54	)	)	PUNCT
fsr-3788	8	55	of	of	ADP
fsr-3788	8	56	depository	depository	NOUN
fsr-3788	8	57	institutions	institution	NOUN
fsr-3788	8	58	with	with	ADP
fsr-3788	8	59	regard	regard	NOUN
fsr-3788	8	60	to	to	ADP
fsr-3788	8	61	deposit	deposit	NOUN
fsr-3788	8	62	accounts	account	NOUN
fsr-3788	8	63	.	.	PUNCT
fsr-3788	9	1	thus	thus	ADV
fsr-3788	9	2	,	,	PUNCT
fsr-3788	9	3	we	we	PRON
fsr-3788	9	4	seek	seek	VERB
fsr-3788	9	5	to	to	PART
fsr-3788	9	6	provide	provide	VERB
fsr-3788	9	7	a	a	DET
fsr-3788	9	8	mechanism	mechanism	NOUN
fsr-3788	9	9	for	for	ADP
fsr-3788	9	10	comparing	compare	VERB
fsr-3788	9	11	enhanced	enhanced	ADJ
fsr-3788	9	12	cd	cd	NOUN
fsr-3788	9	13	products	product	NOUN
fsr-3788	9	14	.	.	PUNCT
fsr-3788	10	1	specif	specif	PROPN
fsr-3788	10	2	ically	ically	ADV
fsr-3788	10	3	,	,	PUNCT
fsr-3788	10	4	we	we	PRON
fsr-3788	10	5	build	build	VERB
fsr-3788	10	6	upon	upon	SCONJ
fsr-3788	10	7	the	the	DET
fsr-3788	10	8	“	"	PUNCT
fsr-3788	10	9	annual	annual	ADJ
fsr-3788	10	10	percentage	percentage	NOUN
fsr-3788	10	11	yield	yield	NOUN
fsr-3788	10	12	”	"	PUNCT
fsr-3788	10	13	(	(	PUNCT
fsr-3788	10	14	apy	apy	NOUN
fsr-3788	10	15	)	)	PUNCT
fsr-3788	10	16	legal	legal	ADJ
fsr-3788	10	17	concept	concept	NOUN
fsr-3788	10	18	contained	contain	VERB
fsr-3788	10	19	in	in	ADP
fsr-3788	10	20	the	the	DET
fsr-3788	10	21	truth	truth	NOUN
fsr-3788	10	22	in	in	ADP
fsr-3788	10	23	savings	saving	NOUN
fsr-3788	10	24	act	act	PROPN
fsr-3788	10	25	.	.	PUNCT
fsr-3788	11	1	our	our	PRON
fsr-3788	11	2	results	result	NOUN
fsr-3788	11	3	are	be	AUX
fsr-3788	11	4	presented	present	VERB
fsr-3788	11	5	,	,	PUNCT
fsr-3788	11	6	however	however	ADV
fsr-3788	11	7	,	,	PUNCT
fsr-3788	11	8	in	in	ADP
fsr-3788	11	9	“	"	PUNCT
fsr-3788	11	10	effective	effective	ADJ
fsr-3788	11	11	ammal	ammal	ADJ
fsr-3788	11	12	rate	rate	NOUN
fsr-3788	11	13	”	"	PUNCT
fsr-3788	11	14	(	(	PUNCT
fsr-3788	11	15	ear	ear	NOUN
fsr-3788	11	16	)	)	PUNCT
fsr-3788	11	17	form	form	NOUN
fsr-3788	11	18	which	which	PRON
fsr-3788	11	19	is	be	AUX
fsr-3788	11	20	more	more	ADV
fsr-3788	11	21	appropriate	appropriate	ADJ
fsr-3788	11	22	.	.	PUNCT
fsr-3788	12	1	that	that	PRON
fsr-3788	12	2	is	is	ADV
fsr-3788	12	3	,	,	PUNCT
fsr-3788	12	4	we	we	PRON
fsr-3788	12	5	demonstrate	demonstrate	VERB
fsr-3788	12	6	how	how	SCONJ
fsr-3788	12	7	to	to	PART
fsr-3788	12	8	compute	compute	VERB
fsr-3788	12	9	the	the	DET
fsr-3788	12	10	apy	apy	NOUN
fsr-3788	12	11	and	and	CCONJ
fsr-3788	12	12	ear	ear	NOUN
fsr-3788	12	13	for	for	ADP
fsr-3788	12	14	enhanced	enhanced	ADJ
fsr-3788	12	15	cds	cd	NOUN
fsr-3788	12	16	.	.	PUNCT
fsr-3788	13	1	this	this	DET
fsr-3788	13	2	framework	framework	NOUN
fsr-3788	13	3	will	will	AUX
fsr-3788	13	4	he	he	PRON
fsr-3788	13	5	useful	useful	ADJ
fsr-3788	13	6	for	for	ADP
fsr-3788	13	7	both	both	DET
fsr-3788	13	8	depositors	depositor	NOUN
fsr-3788	13	9	and	and	CCONJ
fsr-3788	13	10	bankers	banker	NOUN
fsr-3788	13	11	.	.	PUNCT
fsr-3788	14	1	depositors	depositor	NOUN
fsr-3788	14	2	will	will	AUX
fsr-3788	14	3	find	find	VERB
fsr-3788	14	4	this	this	PRON
fsr-3788	14	5	useful	useful	ADJ
fsr-3788	14	6	for	for	ADP
fsr-3788	14	7	comparing	compare	VERB
fsr-3788	14	8	cd	cd	NOUN
fsr-3788	14	9	products	product	NOUN
fsr-3788	14	10	,	,	PUNCT
fsr-3788	14	11	and	and	CCONJ
fsr-3788	14	12	bankers	banker	NOUN
fsr-3788	14	13	will	will	AUX
fsr-3788	14	14	be	be	AUX
fsr-3788	14	15	able	able	ADJ
fsr-3788	14	16	to	to	PART
fsr-3788	14	17	use	use	VERB
fsr-3788	14	18	the	the	DET
fsr-3788	14	19	framework	framework	NOUN
fsr-3788	14	20	to	to	PART
fsr-3788	14	21	make	make	VERB
fsr-3788	14	22	more	more	ADV
fsr-3788	14	23	informed	informed	ADJ
fsr-3788	14	24	decisions	decision	NOUN
fsr-3788	14	25	on	on	ADP
fsr-3788	14	26	which	which	DET
fsr-3788	14	27	products	product	NOUN
fsr-3788	14	28	to	to	PART
fsr-3788	14	29	offer	offer	VERB
fsr-3788	14	30	.	.	PUNCT
fsr-3788	15	1	robert	robert	PROPN
fsr-3788	15	2	brooks	brooks	PROPN
fsr-3788	15	3	l	l	PROPN
fsr-3788	15	4	the	the	DET
fsr-3788	15	5	university	university	PROPN
fsr-3788	15	6	of	of	ADP
fsr-3788	15	7	alabama	alabama	PROPN
fsr-3788	15	8	,	,	PUNCT
fsr-3788	15	9	200	200	NUM
fsr-3788	15	10	alston	alston	PROPN
fsr-3788	15	11	hall	hall	PROPN
fsr-3788	15	12	,	,	PUNCT
fsr-3788	15	13	tuscaloosa	tuscaloosa	PROPN
fsr-3788	15	14	,	,	PUNCT
fsr-3788	15	15	al	al	PROPN
fsr-3788	15	16	35487	35487	NUM
fsr-3788	15	17	;	;	PUNCT
fsr-3788	15	18	e	e	X
fsr-3788	15	19	-	-	NOUN
fsr-3788	15	20	mail	mail	NOUN
fsr-3788	15	21	:	:	PUNCT
fsr-3788	15	22	rbrcoks@slston.cba.ua.edu	rbrcoks@slston.cba.ua.edu	VERB
fsr-3788	15	23	32	32	NUM
fsr-3788	15	24	financial	financial	ADJ
fsr-3788	15	25	services	service	NOUN
fsr-3788	15	26	review	review	VERB
fsr-3788	15	27	5	5	NUM
fsr-3788	15	28	(	(	PUNCT
fsr-3788	15	29	1	1	NUM
fsr-3788	15	30	)	)	PUNCT
fsr-3788	15	31	1996	1996	NUM
fsr-3788	15	32	retail	retail	ADJ
fsr-3788	15	33	banking	banking	NOUN
fsr-3788	15	34	is	be	AUX
fsr-3788	15	35	undergoing	undergo	VERB
fsr-3788	15	36	dramatic	dramatic	ADJ
fsr-3788	15	37	change	change	NOUN
fsr-3788	15	38	.	.	PUNCT
fsr-3788	16	1	there	there	PRON
fsr-3788	16	2	is	be	VERB
fsr-3788	16	3	the	the	DET
fsr-3788	16	4	mentality	mentality	NOUN
fsr-3788	16	5	that	that	SCONJ
fsr-3788	16	6	cds	cd	NOUN
fsr-3788	16	7	are	be	AUX
fsr-3788	16	8	a	a	DET
fsr-3788	16	9	rather	rather	ADV
fsr-3788	16	10	mundane	mundane	ADJ
fsr-3788	16	11	source	source	NOUN
fsr-3788	16	12	of	of	ADP
fsr-3788	16	13	bank	bank	NOUN
fsr-3788	16	14	funding	funding	NOUN
fsr-3788	16	15	.	.	PUNCT
fsr-3788	17	1	this	this	DET
fsr-3788	17	2	mentality	mentality	NOUN
fsr-3788	17	3	is	be	AUX
fsr-3788	17	4	best	well	ADV
fsr-3788	17	5	captured	capture	VERB
fsr-3788	17	6	by	by	ADP
fsr-3788	17	7	the	the	DET
fsr-3788	17	8	following	follow	VERB
fsr-3788	17	9	quote	quote	INTJ
fsr-3788	17	10	from	from	ADP
fsr-3788	17	11	chet	chet	PROPN
fsr-3788	17	12	currier	currier	NOUN
fsr-3788	17	13	(	(	PUNCT
fsr-3788	17	14	1987	1987	NUM
fsr-3788	17	15	,	,	PUNCT
fsr-3788	17	16	p.	p.	NOUN
fsr-3788	17	17	39	39	NUM
fsr-3788	17	18	):	):	PUNCT
fsr-3788	17	19	no	no	ADV
fsr-3788	17	20	matter	matter	ADV
fsr-3788	17	21	how	how	SCONJ
fsr-3788	17	22	it	it	PRON
fsr-3788	17	23	is	be	AUX
fsr-3788	17	24	structured	structure	VERB
fsr-3788	17	25	,	,	PUNCT
fsr-3788	17	26	a	a	DET
fsr-3788	17	27	cd	cd	PROPN
fsr-3788	17	28	is	be	AUX
fsr-3788	17	29	fundamentally	fundamentally	ADV
fsr-3788	17	30	a	a	DET
fsr-3788	17	31	simple	simple	ADJ
fsr-3788	17	32	proposition	proposition	NOUN
fsr-3788	17	33	-	-	PUNCT
fsr-3788	17	34	a	a	DET
fsr-3788	17	35	loan	loan	NOUN
fsr-3788	17	36	of	of	ADP
fsr-3788	17	37	money	money	NOUN
fsr-3788	17	38	by	by	ADP
fsr-3788	17	39	the	the	DET
fsr-3788	17	40	buyer	buyer	NOUN
fsr-3788	17	41	to	to	ADP
fsr-3788	17	42	a	a	DET
fsr-3788	17	43	bank	bank	NOUN
fsr-3788	17	44	or	or	CCONJ
fsr-3788	17	45	savings	saving	NOUN
fsr-3788	17	46	institution	institution	NOUN
fsr-3788	17	47	for	for	ADP
fsr-3788	17	48	a	a	DET
fsr-3788	17	49	specified	specified	ADJ
fsr-3788	17	50	period	period	NOUN
fsr-3788	17	51	of	of	ADP
fsr-3788	17	52	time	time	NOUN
fsr-3788	17	53	,	,	PUNCT
fsr-3788	17	54	in	in	ADP
fsr-3788	17	55	return	return	NOUN
fsr-3788	17	56	for	for	ADP
fsr-3788	17	57	interest	interest	NOUN
fsr-3788	17	58	on	on	ADP
fsr-3788	17	59	that	that	DET
fsr-3788	17	60	money	money	NOUN
fsr-3788	17	61	.	.	PUNCT
fsr-3788	18	1	this	this	DET
fsr-3788	18	2	view	view	NOUN
fsr-3788	18	3	of	of	ADP
fsr-3788	18	4	cds	cd	NOUN
fsr-3788	18	5	has	have	AUX
fsr-3788	18	6	cost	cost	VERB
fsr-3788	18	7	the	the	DET
fsr-3788	18	8	banks	bank	NOUN
fsr-3788	18	9	market	market	NOUN
fsr-3788	18	10	share	share	NOUN
fsr-3788	18	11	.	.	PUNCT
fsr-3788	19	1	however	however	ADV
fsr-3788	19	2	,	,	PUNCT
fsr-3788	19	3	recent	recent	ADJ
fsr-3788	19	4	changes	change	NOUN
fsr-3788	19	5	have	have	AUX
fsr-3788	19	6	somewhat	somewhat	ADV
fsr-3788	19	7	revived	revive	VERB
fsr-3788	19	8	the	the	DET
fsr-3788	19	9	cd	cd	NOUN
fsr-3788	19	10	market	market	NOUN
fsr-3788	19	11	.	.	PUNCT
fsr-3788	20	1	in	in	ADP
fsr-3788	20	2	an	an	DET
fsr-3788	20	3	article	article	NOUN
fsr-3788	20	4	entitled	entitle	VERB
fsr-3788	20	5	,	,	PUNCT
fsr-3788	20	6	“	"	PUNCT
fsr-3788	20	7	yields	yield	NOUN
fsr-3788	20	8	on	on	ADP
fsr-3788	20	9	cds	cd	NOUN
fsr-3788	20	10	lag	lag	VERB
fsr-3788	20	11	behind	behind	ADP
fsr-3788	20	12	rate	rate	NOUN
fsr-3788	20	13	increase	increase	NOUN
fsr-3788	20	14	,	,	PUNCT
fsr-3788	20	15	”	"	PUNCT
fsr-3788	20	16	which	which	PRON
fsr-3788	20	17	appeared	appear	VERB
fsr-3788	20	18	in	in	ADP
fsr-3788	20	19	the	the	DET
fsr-3788	20	20	wall	wall	PROPN
fsr-3788	20	21	street	street	PROPN
fsr-3788	20	22	journal	journal	PROPN
fsr-3788	20	23	(	(	PUNCT
fsr-3788	20	24	1996	1996	NUM
fsr-3788	20	25	,	,	PUNCT
fsr-3788	20	26	pp	pp	ADP
fsr-3788	20	27	.	.	PUNCT
fsr-3788	21	1	cl	cl	NOUN
fsr-3788	21	2	,	,	PUNCT
fsr-3788	21	3	cls	cls	NOUN
fsr-3788	21	4	)	)	PUNCT
fsr-3788	21	5	,	,	PUNCT
fsr-3788	21	6	lynn	lynn	PROPN
fsr-3788	21	7	asinof	asinof	PROPN
fsr-3788	21	8	reported	report	VERB
fsr-3788	21	9	:	:	PUNCT
fsr-3788	21	10	indeed	indeed	ADV
fsr-3788	21	11	,	,	PUNCT
fsr-3788	21	12	people	people	NOUN
fsr-3788	21	13	today	today	NOUN
fsr-3788	21	14	have	have	VERB
fsr-3788	21	15	some	some	DET
fsr-3788	21	16	$	$	SYM
fsr-3788	21	17	925	925	NUM
fsr-3788	21	18	billion	billion	NUM
fsr-3788	21	19	in	in	ADP
fsr-3788	21	20	small	small	ADJ
fsr-3788	21	21	-	-	PUNCT
fsr-3788	21	22	denomination	denomination	NOUN
fsr-3788	21	23	cds	cd	NOUN
fsr-3788	21	24	,	,	PUNCT
fsr-3788	21	25	according	accord	VERB
fsr-3788	21	26	to	to	ADP
fsr-3788	21	27	federal	federal	PROPN
fsr-3788	21	28	reserve	reserve	PROPN
fsr-3788	21	29	board	board	PROPN
fsr-3788	21	30	figures	figure	NOUN
fsr-3788	21	31	.	.	PUNCT
fsr-3788	22	1	although	although	SCONJ
fsr-3788	22	2	that	that	PRON
fsr-3788	22	3	is	be	AUX
fsr-3788	22	4	far	far	ADV
fsr-3788	22	5	less	less	ADJ
fsr-3788	22	6	than	than	ADP
fsr-3788	22	7	in	in	ADP
fsr-3788	22	8	1991	1991	NUM
fsr-3788	22	9	,	,	PUNCT
fsr-3788	22	10	when	when	SCONJ
fsr-3788	22	11	cd	cd	PROPN
fsr-3788	22	12	assets	asset	NOUN
fsr-3788	22	13	topped	top	VERB
fsr-3788	22	14	out	out	ADP
fsr-3788	22	15	at	at	ADP
fsr-3788	22	16	over	over	ADP
fsr-3788	22	17	$	$	SYM
fsr-3788	22	18	1.1	1.1	NUM
fsr-3788	22	19	trillion	trillion	NUM
fsr-3788	22	20	,	,	PUNCT
fsr-3788	22	21	it	it	PRON
fsr-3788	22	22	is	be	AUX
fsr-3788	22	23	up	up	ADV
fsr-3788	22	24	significantly	significantly	ADV
fsr-3788	22	25	from	from	ADP
fsr-3788	22	26	1994	1994	NUM
fsr-3788	22	27	,	,	PUNCT
fsr-3788	22	28	when	when	SCONJ
fsr-3788	22	29	assets	asset	NOUN
fsr-3788	22	30	dropped	drop	VERB
fsr-3788	22	31	well	well	ADV
fsr-3788	22	32	below	below	ADP
fsr-3788	22	33	$	$	SYM
fsr-3788	22	34	800	800	NUM
fsr-3788	22	35	billion	billion	NUM
fsr-3788	22	36	.	.	PUNCT
fsr-3788	23	1	this	this	DET
fsr-3788	23	2	wall	wall	PROPN
fsr-3788	23	3	sfreet	sfreet	PROPN
fsr-3788	23	4	journal	journal	PROPN
fsr-3788	23	5	article	article	NOUN
fsr-3788	23	6	goes	go	VERB
fsr-3788	23	7	on	on	ADP
fsr-3788	23	8	to	to	PART
fsr-3788	23	9	illustrate	illustrate	VERB
fsr-3788	23	10	how	how	SCONJ
fsr-3788	23	11	banks	bank	NOUN
fsr-3788	23	12	are	be	AUX
fsr-3788	23	13	attempting	attempt	VERB
fsr-3788	23	14	to	to	PART
fsr-3788	23	15	revive	revive	VERB
fsr-3788	23	16	this	this	DET
fsr-3788	23	17	market	market	NOUN
fsr-3788	23	18	:	:	PUNCT
fsr-3788	23	19	at	at	ADP
fsr-3788	23	20	the	the	DET
fsr-3788	23	21	same	same	ADJ
fsr-3788	23	22	time	time	NOUN
fsr-3788	23	23	,	,	PUNCT
fsr-3788	23	24	some	some	DET
fsr-3788	23	25	banks	bank	NOUN
fsr-3788	23	26	are	be	AUX
fsr-3788	23	27	promoting	promote	VERB
fsr-3788	23	28	cd	cd	NOUN
fsr-3788	23	29	deals	deal	NOUN
fsr-3788	23	30	aimed	aim	VERB
fsr-3788	23	31	at	at	ADP
fsr-3788	23	32	encouraging	encourage	VERB
fsr-3788	23	33	the	the	DET
fsr-3788	23	34	cre	cre	PROPN
fsr-3788	23	35	ation	ation	NOUN
fsr-3788	23	36	of	of	ADP
fsr-3788	23	37	additional	additional	ADJ
fsr-3788	23	38	banking	banking	NOUN
fsr-3788	23	39	relationships	relationship	NOUN
fsr-3788	23	40	or	or	CCONJ
fsr-3788	23	41	attracting	attract	VERB
fsr-3788	23	42	larger	large	ADJ
fsr-3788	23	43	deposits	deposit	NOUN
fsr-3788	23	44	....	....	PUNCT
fsr-3788	24	1	hibemia	hibemia	PROPN
fsr-3788	24	2	national	national	PROPN
fsr-3788	24	3	bank	bank	PROPN
fsr-3788	24	4	,	,	PUNCT
fsr-3788	24	5	new	new	PROPN
fsr-3788	24	6	orleans	orleans	PROPN
fsr-3788	24	7	,	,	PUNCT
fsr-3788	24	8	offers	offer	VERB
fsr-3788	24	9	a	a	DET
fsr-3788	24	10	two	two	NUM
fsr-3788	24	11	-	-	PUNCT
fsr-3788	24	12	year	year	NOUN
fsr-3788	24	13	cd	cd	NOUN
fsr-3788	24	14	with	with	ADP
fsr-3788	24	15	the	the	DET
fsr-3788	24	16	one	one	NUM
fsr-3788	24	17	-	-	PUNCT
fsr-3788	24	18	time	time	NOUN
fsr-3788	24	19	option	option	NOUN
fsr-3788	24	20	of	of	ADP
fsr-3788	24	21	bump	bump	NOUN
fsr-3788	24	22	ing	e	VERB
fsr-3788	24	23	the	the	DET
fsr-3788	24	24	rate	rate	NOUN
fsr-3788	24	25	up	up	ADP
fsr-3788	24	26	if	if	SCONJ
fsr-3788	24	27	interest	interest	NOUN
fsr-3788	24	28	rates	rate	NOUN
fsr-3788	24	29	rise	rise	VERB
fsr-3788	24	30	.	.	PUNCT
fsr-3788	25	1	(	(	PUNCT
fsr-3788	25	2	p.	p.	NOUN
fsr-3788	25	3	c15	c15	PROPN
fsr-3788	25	4	)	)	PUNCT
fsr-3788	25	5	in	in	ADP
fsr-3788	25	6	this	this	DET
fsr-3788	25	7	paper	paper	NOUN
fsr-3788	25	8	,	,	PUNCT
fsr-3788	25	9	we	we	PRON
fsr-3788	25	10	provide	provide	VERB
fsr-3788	25	11	a	a	DET
fsr-3788	25	12	methodology	methodology	NOUN
fsr-3788	25	13	for	for	ADP
fsr-3788	25	14	comparing	compare	VERB
fsr-3788	25	15	hibemia	hibemia	PROPN
fsr-3788	25	16	national	national	PROPN
fsr-3788	25	17	bank	bank	PROPN
fsr-3788	25	18	’s	’s	PART
fsr-3788	25	19	offer	offer	NOUN
fsr-3788	25	20	to	to	ADP
fsr-3788	25	21	other	other	ADJ
fsr-3788	25	22	two	two	NUM
fsr-3788	25	23	-	-	PUNCT
fsr-3788	25	24	year	year	NOUN
fsr-3788	25	25	cd	cd	NOUN
fsr-3788	25	26	products	product	NOUN
fsr-3788	25	27	.	.	PUNCT
fsr-3788	26	1	with	with	ADP
fsr-3788	26	2	deregulation	deregulation	NOUN
fsr-3788	26	3	of	of	ADP
fsr-3788	26	4	the	the	DET
fsr-3788	26	5	banking	banking	NOUN
fsr-3788	26	6	industry	industry	NOUN
fsr-3788	26	7	coupled	couple	VERB
fsr-3788	26	8	with	with	ADP
fsr-3788	26	9	historically	historically	ADV
fsr-3788	26	10	low	low	ADJ
fsr-3788	26	11	interest	interest	NOUN
fsr-3788	26	12	rates	rate	NOUN
fsr-3788	26	13	in	in	ADP
fsr-3788	26	14	the	the	DET
fsr-3788	26	15	early	early	ADJ
fsr-3788	26	16	199os	199os	NOUN
fsr-3788	26	17	,	,	PUNCT
fsr-3788	26	18	retail	retail	ADJ
fsr-3788	26	19	banks	bank	NOUN
fsr-3788	26	20	began	begin	VERB
fsr-3788	26	21	offering	offer	VERB
fsr-3788	26	22	a	a	DET
fsr-3788	26	23	variety	variety	NOUN
fsr-3788	26	24	of	of	ADP
fsr-3788	26	25	incentives	incentive	NOUN
fsr-3788	26	26	to	to	PART
fsr-3788	26	27	keep	keep	VERB
fsr-3788	26	28	funds	fund	NOUN
fsr-3788	26	29	as	as	ADV
fsr-3788	26	30	well	well	ADV
fsr-3788	26	31	as	as	ADP
fsr-3788	26	32	attract	attract	VERB
fsr-3788	26	33	new	new	ADJ
fsr-3788	26	34	funds	fund	NOUN
fsr-3788	26	35	.	.	PUNCT
fsr-3788	27	1	one	one	NUM
fsr-3788	27	2	of	of	ADP
fsr-3788	27	3	the	the	DET
fsr-3788	27	4	more	more	ADV
fsr-3788	27	5	esoteric	esoteric	ADJ
fsr-3788	27	6	offerings	offering	NOUN
fsr-3788	27	7	is	be	AUX
fsr-3788	27	8	the	the	DET
fsr-3788	27	9	world	world	NOUN
fsr-3788	27	10	soccer	soccer	NOUN
fsr-3788	27	11	cd	cd	NOUN
fsr-3788	27	12	that	that	PRON
fsr-3788	27	13	would	would	AUX
fsr-3788	27	14	double	double	VERB
fsr-3788	27	15	the	the	DET
fsr-3788	27	16	interest	interest	NOUN
fsr-3788	27	17	rate	rate	NOUN
fsr-3788	27	18	if	if	SCONJ
fsr-3788	27	19	the	the	DET
fsr-3788	27	20	united	united	PROPN
fsr-3788	27	21	states	states	PROPN
fsr-3788	27	22	won	win	VERB
fsr-3788	27	23	the	the	DET
fsr-3788	27	24	world	world	NOUN
fsr-3788	27	25	soccer	soccer	NOUN
fsr-3788	27	26	cup	cup	PROPN
fsr-3788	27	27	(	(	PUNCT
fsr-3788	27	28	peterson	peterson	PROPN
fsr-3788	27	29	bank	bank	PROPN
fsr-3788	27	30	,	,	PUNCT
fsr-3788	27	31	1994	1994	NUM
fsr-3788	27	32	)	)	PUNCT
fsr-3788	27	33	.	.	PUNCT
fsr-3788	28	1	the	the	DET
fsr-3788	28	2	retail	retail	PROPN
fsr-3788	28	3	bank	bank	NOUN
fsr-3788	28	4	,	,	PUNCT
fsr-3788	28	5	peterson	peterson	PROPN
fsr-3788	28	6	bank	bank	PROPN
fsr-3788	28	7	in	in	ADP
fsr-3788	28	8	chicago	chicago	PROPN
fsr-3788	28	9	,	,	PUNCT
fsr-3788	28	10	actually	actually	ADV
fsr-3788	28	11	purchased	purchase	VERB
fsr-3788	28	12	an	an	DET
fsr-3788	28	13	insurance	insurance	NOUN
fsr-3788	28	14	policy	policy	NOUN
fsr-3788	28	15	against	against	ADP
fsr-3788	28	16	the	the	DET
fsr-3788	28	17	risk	risk	NOUN
fsr-3788	28	18	.	.	PUNCT
fsr-3788	29	1	admittedly	admittedly	ADV
fsr-3788	29	2	,	,	PUNCT
fsr-3788	29	3	the	the	DET
fsr-3788	29	4	main	main	ADJ
fsr-3788	29	5	purpose	purpose	NOUN
fsr-3788	29	6	was	be	AUX
fsr-3788	29	7	to	to	PART
fsr-3788	29	8	gain	gain	VERB
fsr-3788	29	9	publicity	publicity	NOUN
fsr-3788	29	10	-	-	PUNCT
fsr-3788	29	11	which	which	PRON
fsr-3788	29	12	it	it	PRON
fsr-3788	29	13	did	do	VERB
fsr-3788	29	14	,	,	PUNCT
fsr-3788	29	15	receiv	receiv	VERB
fsr-3788	29	16	ing	ing	ADJ
fsr-3788	29	17	notice	notice	NOUN
fsr-3788	29	18	on	on	ADP
fsr-3788	29	19	the	the	DET
fsr-3788	29	20	front	front	ADJ
fsr-3788	29	21	pages	page	NOUN
fsr-3788	29	22	of	of	ADP
fsr-3788	29	23	the	the	DET
fsr-3788	29	24	wall	wall	PROPN
fsr-3788	29	25	street	street	PROPN
fsr-3788	29	26	journal	journal	PROPN
fsr-3788	29	27	and	and	CCONJ
fsr-3788	29	28	usa	usa	PROPN
fsr-3788	29	29	today	today	NOUN
fsr-3788	29	30	.	.	PUNCT
fsr-3788	30	1	there	there	PRON
fsr-3788	30	2	are	be	VERB
fsr-3788	30	3	health	health	NOUN
fsr-3788	30	4	care	care	NOUN
fsr-3788	30	5	cds	cd	NOUN
fsr-3788	30	6	that	that	PRON
fsr-3788	30	7	allow	allow	VERB
fsr-3788	30	8	money	money	NOUN
fsr-3788	30	9	to	to	PART
fsr-3788	30	10	be	be	AUX
fsr-3788	30	11	withdrawn	withdraw	VERB
fsr-3788	30	12	with	with	ADP
fsr-3788	30	13	no	no	DET
fsr-3788	30	14	early	early	ADJ
fsr-3788	30	15	withdrawal	withdrawal	NOUN
fsr-3788	30	16	penalty	penalty	NOUN
fsr-3788	30	17	if	if	SCONJ
fsr-3788	30	18	funds	fund	NOUN
fsr-3788	30	19	are	be	AUX
fsr-3788	30	20	used	use	VERB
fsr-3788	30	21	for	for	ADP
fsr-3788	30	22	health	health	NOUN
fsr-3788	30	23	-	-	PUNCT
fsr-3788	30	24	care	care	NOUN
fsr-3788	30	25	expenses	expense	NOUN
fsr-3788	30	26	(	(	PUNCT
fsr-3788	30	27	o’connell	o’connell	INTJ
fsr-3788	30	28	,	,	PUNCT
fsr-3788	30	29	1994	1994	NUM
fsr-3788	30	30	)	)	PUNCT
fsr-3788	30	31	and	and	CCONJ
fsr-3788	30	32	even	even	ADV
fsr-3788	30	33	a	a	DET
fsr-3788	30	34	“	"	PUNCT
fsr-3788	30	35	hunter	hunter	NOUN
fsr-3788	30	36	’s	’s	PART
fsr-3788	30	37	special	special	NOUN
fsr-3788	30	38	”	"	PUNCT
fsr-3788	30	39	that	that	PRON
fsr-3788	30	40	pays	pay	VERB
fsr-3788	30	41	a	a	DET
fsr-3788	30	42	weatherby	weatherby	PROPN
fsr-3788	30	43	mark	mark	NOUN
fsr-3788	30	44	v	v	PROPN
fsr-3788	30	45	deluxe	deluxe	NOUN
fsr-3788	30	46	rifle	rifle	NOUN
fsr-3788	30	47	instead	instead	ADV
fsr-3788	30	48	of	of	ADP
fsr-3788	30	49	cash	cash	NOUN
fsr-3788	30	50	interest	interest	NOUN
fsr-3788	30	51	(	(	PUNCT
fsr-3788	30	52	far&am	far&am	NOUN
fsr-3788	30	53	,	,	PUNCT
fsr-3788	30	54	1994	1994	NUM
fsr-3788	30	55	)	)	PUNCT
fsr-3788	30	56	.	.	PUNCT
fsr-3788	31	1	the	the	DET
fsr-3788	31	2	primary	primary	ADJ
fsr-3788	31	3	motivation	motivation	NOUN
fsr-3788	31	4	for	for	ADP
fsr-3788	31	5	these	these	DET
fsr-3788	31	6	products	product	NOUN
fsr-3788	31	7	is	be	AUX
fsr-3788	31	8	marketing	market	VERB
fsr-3788	31	9	.	.	PUNCT
fsr-3788	32	1	however	however	ADV
fsr-3788	32	2	,	,	PUNCT
fsr-3788	32	3	many	many	ADJ
fsr-3788	32	4	retail	retail	ADJ
fsr-3788	32	5	banks	bank	NOUN
fsr-3788	32	6	are	be	AUX
fsr-3788	32	7	now	now	ADV
fsr-3788	32	8	routinely	routinely	ADV
fsr-3788	32	9	offering	offer	VERB
fsr-3788	32	10	cds	cd	NOUN
fsr-3788	32	11	with	with	ADP
fsr-3788	32	12	features	feature	NOUN
fsr-3788	32	13	such	such	ADJ
fsr-3788	32	14	as	as	ADP
fsr-3788	32	15	no	no	DET
fsr-3788	32	16	early	early	ADJ
fsr-3788	32	17	withdrawal	withdrawal	NOUN
fsr-3788	32	18	penalty	penalty	NOUN
fsr-3788	32	19	,	,	PUNCT
fsr-3788	32	20	the	the	DET
fsr-3788	32	21	abil	abil	ADJ
fsr-3788	32	22	ity	ity	PROPN
fsr-3788	32	23	to	to	PART
fsr-3788	32	24	add	add	VERB
fsr-3788	32	25	to	to	ADP
fsr-3788	32	26	the	the	DET
fsr-3788	32	27	original	original	ADJ
fsr-3788	32	28	deposit	deposit	NOUN
fsr-3788	32	29	,	,	PUNCT
fsr-3788	32	30	and	and	CCONJ
fsr-3788	32	31	a	a	DET
fsr-3788	32	32	variable	variable	ADJ
fsr-3788	32	33	rate	rate	NOUN
fsr-3788	32	34	with	with	ADP
fsr-3788	32	35	a	a	DET
fsr-3788	32	36	guaranteed	guarantee	VERB
fsr-3788	32	37	floor	floor	NOUN
fsr-3788	32	38	.	.	PUNCT
fsr-3788	33	1	for	for	ADP
fsr-3788	33	2	example	example	NOUN
fsr-3788	33	3	,	,	PUNCT
fsr-3788	33	4	the	the	DET
fsr-3788	33	5	bank	bank	PROPN
fsr-3788	33	6	leumi	leumi	PROPN
fsr-3788	33	7	trust	trust	PROPN
fsr-3788	33	8	’s	’s	PART
fsr-3788	33	9	triple	triple	ADJ
fsr-3788	33	10	choice	choice	NOUN
fsr-3788	33	11	time	time	NOUN
fsr-3788	33	12	deposit	deposit	PROPN
fsr-3788	33	13	cd	cd	PROPN
fsr-3788	33	14	is	be	AUX
fsr-3788	33	15	a	a	DET
fsr-3788	33	16	two	two	NUM
fsr-3788	33	17	-	-	PUNCT
fsr-3788	33	18	year	year	NOUN
fsr-3788	33	19	cd	cd	NOUN
fsr-3788	33	20	that	that	PRON
fsr-3788	33	21	allows	allow	VERB
fsr-3788	33	22	depositors	depositor	NOUN
fsr-3788	33	23	to	to	PART
fsr-3788	33	24	add	add	VERB
fsr-3788	33	25	funds	fund	NOUN
fsr-3788	33	26	in	in	ADP
fsr-3788	33	27	the	the	DET
fsr-3788	33	28	first	first	ADJ
fsr-3788	33	29	year	year	NOUN
fsr-3788	33	30	,	,	PUNCT
fsr-3788	33	31	make	make	VERB
fsr-3788	33	32	one	one	NUM
fsr-3788	33	33	withdrawal	withdrawal	NOUN
fsr-3788	33	34	(	(	PUNCT
fsr-3788	33	35	up	up	ADP
fsr-3788	33	36	to	to	PART
fsr-3788	33	37	50	50	NUM
fsr-3788	33	38	%	%	NOUN
fsr-3788	33	39	)	)	PUNCT
fsr-3788	33	40	,	,	PUNCT
fsr-3788	33	41	and	and	CCONJ
fsr-3788	33	42	obtain	obtain	VERB
fsr-3788	33	43	an	an	DET
fsr-3788	33	44	upward	upward	ADJ
fsr-3788	33	45	rate	rate	NOUN
fsr-3788	33	46	reset	reset	NOUN
fsr-3788	33	47	once	once	ADV
fsr-3788	33	48	during	during	ADP
fsr-3788	33	49	the	the	DET
fsr-3788	33	50	term	term	NOUN
fsr-3788	33	51	of	of	ADP
fsr-3788	33	52	the	the	DET
fsr-3788	33	53	cd	cd	PROPN
fsr-3788	33	54	at	at	ADP
fsr-3788	33	55	the	the	DET
fsr-3788	33	56	depositor	depositor	NOUN
fsr-3788	33	57	’s	’s	PART
fsr-3788	33	58	discretion	discretion	NOUN
fsr-3788	33	59	(	(	PUNCT
fsr-3788	33	60	o’connell	o’connell	INTJ
fsr-3788	33	61	,	,	PUNCT
fsr-3788	33	62	1994	1994	NUM
fsr-3788	33	63	)	)	PUNCT
fsr-3788	33	64	.	.	PUNCT
fsr-3788	34	1	southtrust	southtrust	PROPN
fsr-3788	34	2	bank	bank	PROPN
fsr-3788	34	3	offers	offer	VERB
fsr-3788	34	4	a	a	DET
fsr-3788	34	5	two	two	NUM
fsr-3788	34	6	-	-	PUNCT
fsr-3788	34	7	year	year	NOUN
fsr-3788	34	8	cd	cd	NOUN
fsr-3788	34	9	that	that	PRON
fsr-3788	34	10	has	have	VERB
fsr-3788	34	11	a	a	DET
fsr-3788	34	12	guaranteed	guarantee	VERB
fsr-3788	34	13	floor	floor	NOUN
fsr-3788	34	14	rate	rate	NOUN
fsr-3788	34	15	,	,	PUNCT
fsr-3788	34	16	which	which	PRON
fsr-3788	34	17	floats	float	VERB
fsr-3788	34	18	with	with	ADP
fsr-3788	34	19	the	the	DET
fsr-3788	34	20	13	13	NUM
fsr-3788	34	21	-	-	PUNCT
fsr-3788	34	22	week	week	NOUN
fsr-3788	34	23	treasury	treasury	NOUN
fsr-3788	34	24	bill	bill	NOUN
fsr-3788	34	25	,	,	PUNCT
fsr-3788	34	26	allows	allow	VERB
fsr-3788	34	27	one	one	NUM
fsr-3788	34	28	early	early	ADJ
fsr-3788	34	29	withdrawal	withdrawal	NOUN
fsr-3788	34	30	at	at	ADP
fsr-3788	34	31	no	no	DET
fsr-3788	34	32	penalty	penalty	NOUN
fsr-3788	34	33	,	,	PUNCT
fsr-3788	34	34	and	and	CCONJ
fsr-3788	34	35	permits	permit	VERB
fsr-3788	34	36	depositors	depositor	NOUN
fsr-3788	34	37	to	to	PART
fsr-3788	34	38	add	add	VERB
fsr-3788	34	39	to	to	ADP
fsr-3788	34	40	the	the	DET
fsr-3788	34	41	cd	cd	PROPN
fsr-3788	34	42	at	at	ADP
fsr-3788	34	43	any	any	DET
fsr-3788	34	44	time	time	NOUN
fsr-3788	34	45	.	.	PUNCT
fsr-3788	35	1	this	this	DET
fsr-3788	35	2	product	product	NOUN
fsr-3788	35	3	was	be	AUX
fsr-3788	35	4	advertised	advertise	VERB
fsr-3788	35	5	as	as	ADP
fsr-3788	35	6	the	the	DET
fsr-3788	35	7	“	"	PUNCT
fsr-3788	35	8	maximum	maximum	ADJ
fsr-3788	35	9	advantage	advantage	NOUN
fsr-3788	35	10	two	two	NUM
fsr-3788	35	11	-	-	PUNCT
fsr-3788	35	12	year	year	NOUN
fsr-3788	35	13	cd	cd	PROPN
fsr-3788	35	14	account	account	NOUN
fsr-3788	35	15	.	.	PUNCT
fsr-3788	35	16	”	"	PUNCT
fsr-3788	36	1	certificate	certificate	NOUN
fsr-3788	36	2	of	of	ADP
fsr-3788	36	3	deposits	deposit	NOUN
fsr-3788	36	4	are	be	AUX
fsr-3788	36	5	an	an	DET
fsr-3788	36	6	important	important	ADJ
fsr-3788	36	7	source	source	NOUN
fsr-3788	36	8	of	of	ADP
fsr-3788	36	9	bank	bank	NOUN
fsr-3788	36	10	funding	funding	NOUN
fsr-3788	36	11	.	.	PUNCT
fsr-3788	37	1	a	a	DET
fsr-3788	37	2	survey	survey	NOUN
fsr-3788	37	3	of	of	ADP
fsr-3788	37	4	small	small	ADJ
fsr-3788	37	5	banks	bank	NOUN
fsr-3788	37	6	in	in	ADP
fsr-3788	37	7	the	the	DET
fsr-3788	37	8	southeast	southeast	PROPN
fsr-3788	37	9	united	united	PROPN
fsr-3788	37	10	states	states	PROPN
fsr-3788	37	11	revealed	reveal	VERB
fsr-3788	37	12	that	that	SCONJ
fsr-3788	37	13	cds	cd	NOUN
fsr-3788	37	14	represented	represent	VERB
fsr-3788	37	15	an	an	DET
fsr-3788	37	16	average	average	NOUN
fsr-3788	37	17	of	of	ADP
fsr-3788	37	18	45	45	NUM
fsr-3788	37	19	%	%	NOUN
fsr-3788	37	20	of	of	ADP
fsr-3788	37	21	computing	compute	VERB
fsr-3788	37	22	yields	yield	NOUN
fsr-3788	37	23	on	on	ADP
fsr-3788	37	24	enhanced	enhanced	ADJ
fsr-3788	37	25	cds	cd	NOUN
fsr-3788	37	26	33	33	NUM
fsr-3788	37	27	the	the	DET
fsr-3788	37	28	total	total	ADJ
fsr-3788	37	29	assets	asset	NOUN
fsr-3788	37	30	and	and	CCONJ
fsr-3788	37	31	ranged	range	VERB
fsr-3788	37	32	from	from	ADP
fsr-3788	37	33	a	a	DET
fsr-3788	37	34	low	low	NOUN
fsr-3788	37	35	of	of	ADP
fsr-3788	37	36	32	32	NUM
fsr-3788	37	37	%	%	NOUN
fsr-3788	37	38	to	to	ADP
fsr-3788	37	39	a	a	DET
fsr-3788	37	40	high	high	NOUN
fsr-3788	37	41	of	of	ADP
fsr-3788	37	42	61	61	NUM
fsr-3788	37	43	%	%	NOUN
fsr-3788	37	44	.	.	PUNCT
fsr-3788	38	1	clearly	clearly	ADV
fsr-3788	38	2	,	,	PUNCT
fsr-3788	38	3	it	it	PRON
fsr-3788	38	4	is	be	AUX
fsr-3788	38	5	essential	essential	ADJ
fsr-3788	38	6	that	that	SCONJ
fsr-3788	38	7	liability	liability	NOUN
fsr-3788	38	8	managers	manager	NOUN
fsr-3788	38	9	at	at	ADP
fsr-3788	38	10	banks	bank	NOUN
fsr-3788	38	11	understand	understand	VERB
fsr-3788	38	12	the	the	DET
fsr-3788	38	13	ramifications	ramification	NOUN
fsr-3788	38	14	of	of	ADP
fsr-3788	38	15	embedding	embed	VERB
fsr-3788	38	16	derivatives	derivative	NOUN
fsr-3788	38	17	in	in	ADP
fsr-3788	38	18	their	their	PRON
fsr-3788	38	19	cd	cd	NOUN
fsr-3788	38	20	products	product	NOUN
fsr-3788	38	21	.	.	PUNCT
fsr-3788	39	1	also	also	ADV
fsr-3788	39	2	,	,	PUNCT
fsr-3788	39	3	bank	bank	NOUN
fsr-3788	39	4	customers	customer	NOUN
fsr-3788	39	5	need	need	VERB
fsr-3788	39	6	to	to	PART
fsr-3788	39	7	be	be	AUX
fsr-3788	39	8	aware	aware	ADJ
fsr-3788	39	9	of	of	ADP
fsr-3788	39	10	the	the	DET
fsr-3788	39	11	opportunities	opportunity	NOUN
fsr-3788	39	12	these	these	DET
fsr-3788	39	13	new	new	ADJ
fsr-3788	39	14	prod	prod	NOUN
fsr-3788	39	15	ucts	uct	NOUN
fsr-3788	39	16	provide	provide	VERB
fsr-3788	39	17	.	.	PUNCT
fsr-3788	40	1	ii	ii	PROPN
fsr-3788	40	2	.	.	PROPN
fsr-3788	40	3	literatijre	literatijre	PROPN
fsr-3788	40	4	review	review	PROPN
fsr-3788	40	5	academic	academic	ADJ
fsr-3788	40	6	research	research	NOUN
fsr-3788	40	7	related	relate	VERB
fsr-3788	40	8	to	to	ADP
fsr-3788	40	9	cds	cd	NOUN
fsr-3788	40	10	focus	focus	VERB
fsr-3788	40	11	primarily	primarily	ADV
fsr-3788	40	12	on	on	ADP
fsr-3788	40	13	the	the	DET
fsr-3788	40	14	role	role	NOUN
fsr-3788	40	15	of	of	ADP
fsr-3788	40	16	government	government	NOUN
fsr-3788	40	17	guarantees	guarantee	NOUN
fsr-3788	40	18	.	.	PUNCT
fsr-3788	41	1	for	for	ADP
fsr-3788	41	2	example	example	NOUN
fsr-3788	41	3	,	,	PUNCT
fsr-3788	41	4	cook	cook	NOUN
fsr-3788	41	5	and	and	CCONJ
fsr-3788	41	6	spellman	spellman	PROPN
fsr-3788	41	7	(	(	PUNCT
fsr-3788	41	8	1994	1994	NUM
fsr-3788	41	9	)	)	PUNCT
fsr-3788	41	10	develop	develop	VERB
fsr-3788	41	11	a	a	DET
fsr-3788	41	12	theoretical	theoretical	ADJ
fsr-3788	41	13	model	model	NOUN
fsr-3788	41	14	for	for	ADP
fsr-3788	41	15	cd	cd	NOUN
fsr-3788	41	16	rates	rate	NOUN
fsr-3788	41	17	related	relate	VERB
fsr-3788	41	18	to	to	ADP
fsr-3788	41	19	the	the	DET
fsr-3788	41	20	risk	risk	NOUN
fsr-3788	41	21	of	of	ADP
fsr-3788	41	22	default	default	NOUN
fsr-3788	41	23	by	by	ADP
fsr-3788	41	24	the	the	DET
fsr-3788	41	25	bank	bank	NOUN
fsr-3788	41	26	as	as	ADV
fsr-3788	41	27	well	well	ADV
fsr-3788	41	28	as	as	ADP
fsr-3788	41	29	third	third	ADJ
fsr-3788	41	30	party	party	NOUN
fsr-3788	41	31	government	government	NOUN
fsr-3788	41	32	guarantees	guarantee	NOUN
fsr-3788	41	33	.	.	PUNCT
fsr-3788	42	1	they	they	PRON
fsr-3788	42	2	find	find	VERB
fsr-3788	42	3	empirical	empirical	ADJ
fsr-3788	42	4	evidence	evidence	NOUN
fsr-3788	42	5	around	around	ADP
fsr-3788	42	6	the	the	DET
fsr-3788	42	7	collapse	collapse	NOUN
fsr-3788	42	8	of	of	ADP
fsr-3788	42	9	the	the	DET
fsr-3788	42	10	federal	federal	ADJ
fsr-3788	42	11	savings	saving	NOUN
fsr-3788	42	12	and	and	CCONJ
fsr-3788	42	13	loan	loan	NOUN
fsr-3788	42	14	insurance	insurance	NOUN
fsr-3788	42	15	corpo	corpo	NOUN
fsr-3788	42	16	ration	ration	NOUN
fsr-3788	42	17	that	that	PRON
fsr-3788	42	18	these	these	DET
fsr-3788	42	19	risks	risk	NOUN
fsr-3788	42	20	were	be	AUX
fsr-3788	42	21	adequately	adequately	ADV
fsr-3788	42	22	priced	price	VERB
fsr-3788	42	23	.	.	PUNCT
fsr-3788	43	1	cooperman	cooperman	PROPN
fsr-3788	43	2	,	,	PUNCT
fsr-3788	43	3	lee	lee	PROPN
fsr-3788	43	4	and	and	CCONJ
fsr-3788	43	5	wolfe	wolfe	PROPN
fsr-3788	43	6	(	(	PUNCT
fsr-3788	43	7	1992	1992	NUM
fsr-3788	43	8	)	)	PUNCT
fsr-3788	43	9	and	and	CCONJ
fsr-3788	43	10	cook	cook	VERB
fsr-3788	43	11	and	and	CCONJ
fsr-3788	43	12	spellman	spellman	PROPN
fsr-3788	43	13	(	(	PUNCT
fsr-3788	43	14	1991	1991	NUM
fsr-3788	43	15	)	)	PUNCT
fsr-3788	43	16	provide	provide	VERB
fsr-3788	43	17	further	further	ADJ
fsr-3788	43	18	research	research	NOUN
fsr-3788	43	19	in	in	ADP
fsr-3788	43	20	this	this	DET
fsr-3788	43	21	area	area	NOUN
fsr-3788	43	22	.	.	PUNCT
fsr-3788	44	1	a	a	DET
fsr-3788	44	2	second	second	ADJ
fsr-3788	44	3	strand	strand	NOUN
fsr-3788	44	4	of	of	ADP
fsr-3788	44	5	academic	academic	ADJ
fsr-3788	44	6	research	research	NOUN
fsr-3788	44	7	attempts	attempt	VERB
fsr-3788	44	8	to	to	PART
fsr-3788	44	9	identify	identify	VERB
fsr-3788	44	10	the	the	DET
fsr-3788	44	11	factors	factor	NOUN
fsr-3788	44	12	driving	drive	VERB
fsr-3788	44	13	changes	change	NOUN
fsr-3788	44	14	in	in	ADP
fsr-3788	44	15	cd	cd	NOUN
fsr-3788	44	16	rates	rate	NOUN
fsr-3788	44	17	.	.	PUNCT
fsr-3788	45	1	for	for	ADP
fsr-3788	45	2	example	example	NOUN
fsr-3788	45	3	,	,	PUNCT
fsr-3788	45	4	fraser	fraser	PROPN
fsr-3788	45	5	(	(	PUNCT
fsr-3788	45	6	1995	1995	NUM
fsr-3788	45	7	)	)	PUNCT
fsr-3788	45	8	uses	use	VERB
fsr-3788	45	9	principal	principal	ADJ
fsr-3788	45	10	components	component	NOUN
fsr-3788	45	11	analysis	analysis	NOUN
fsr-3788	45	12	to	to	PART
fsr-3788	45	13	ascertain	ascertain	VERB
fsr-3788	45	14	that	that	SCONJ
fsr-3788	45	15	treasury	treasury	PROPN
fsr-3788	45	16	bill	bill	NOUN
fsr-3788	45	17	rate	rate	NOUN
fsr-3788	45	18	changes	change	NOUN
fsr-3788	45	19	effect	effect	NOUN
fsr-3788	45	20	cd	cd	NOUN
fsr-3788	45	21	yields	yield	NOUN
fsr-3788	45	22	in	in	ADP
fsr-3788	45	23	the	the	DET
fsr-3788	45	24	united	united	ADJ
fsr-3788	45	25	kingdom	kingdom	NOUN
fsr-3788	45	26	.	.	PUNCT
fsr-3788	46	1	in	in	ADP
fsr-3788	46	2	the	the	DET
fsr-3788	46	3	united	united	PROPN
fsr-3788	46	4	states	states	PROPN
fsr-3788	46	5	,	,	PUNCT
fsr-3788	46	6	knez	knez	NOUN
fsr-3788	46	7	,	,	PUNCT
fsr-3788	46	8	litterman	litterman	NOUN
fsr-3788	46	9	and	and	CCONJ
fsr-3788	46	10	scheinkman	scheinkman	NOUN
fsr-3788	46	11	(	(	PUNCT
fsr-3788	46	12	1994	1994	NUM
fsr-3788	46	13	)	)	PUNCT
fsr-3788	46	14	use	use	VERB
fsr-3788	46	15	a	a	DET
fsr-3788	46	16	factor	factor	NOUN
fsr-3788	46	17	approach	approach	NOUN
fsr-3788	46	18	to	to	PART
fsr-3788	46	19	identify	identify	VERB
fsr-3788	46	20	that	that	SCONJ
fsr-3788	46	21	86	86	NUM
fsr-3788	46	22	%	%	NOUN
fsr-3788	46	23	of	of	ADP
fsr-3788	46	24	the	the	DET
fsr-3788	46	25	variation	variation	NOUN
fsr-3788	46	26	in	in	ADP
fsr-3788	46	27	money	money	NOUN
fsr-3788	46	28	market	market	NOUN
fsr-3788	46	29	returns	return	NOUN
fsr-3788	46	30	are	be	AUX
fsr-3788	46	31	explained	explain	VERB
fsr-3788	46	32	by	by	ADP
fsr-3788	46	33	three	three	NUM
fsr-3788	46	34	factors	factor	NOUN
fsr-3788	46	35	,	,	PUNCT
fsr-3788	46	36	and	and	CCONJ
fsr-3788	46	37	a	a	DET
fsr-3788	46	38	four	four	NUM
fsr-3788	46	39	factor	factor	NOUN
fsr-3788	46	40	model	model	NOUN
fsr-3788	46	41	explains	explain	VERB
fsr-3788	46	42	90	90	NUM
fsr-3788	46	43	%	%	NOUN
fsr-3788	46	44	of	of	ADP
fsr-3788	46	45	this	this	DET
fsr-3788	46	46	variation	variation	NOUN
fsr-3788	46	47	.	.	PUNCT
fsr-3788	47	1	using	use	VERB
fsr-3788	47	2	cointegration	cointegration	NOUN
fsr-3788	47	3	analysis	analysis	NOUN
fsr-3788	47	4	based	base	VERB
fsr-3788	47	5	on	on	ADP
fsr-3788	47	6	an	an	DET
fsr-3788	47	7	error	error	NOUN
fsr-3788	47	8	cor	cor	PROPN
fsr-3788	47	9	rection	rection	PROPN
fsr-3788	47	10	model	model	PROPN
fsr-3788	47	11	,	,	PUNCT
fsr-3788	47	12	fung	fung	PROPN
fsr-3788	47	13	and	and	CCONJ
fsr-3788	47	14	isberg	isberg	PROPN
fsr-3788	47	15	(	(	PUNCT
fsr-3788	47	16	1992	1992	NUM
fsr-3788	47	17	)	)	PUNCT
fsr-3788	47	18	document	document	NOUN
fsr-3788	47	19	a	a	DET
fsr-3788	47	20	causal	causal	ADJ
fsr-3788	47	21	relationship	relationship	NOUN
fsr-3788	47	22	where	where	SCONJ
fsr-3788	47	23	u.s	u.s	PROPN
fsr-3788	47	24	.	.	PROPN
fsr-3788	47	25	markets	market	NOUN
fsr-3788	47	26	influence	influence	VERB
fsr-3788	47	27	international	international	ADJ
fsr-3788	47	28	markets	market	NOUN
fsr-3788	47	29	in	in	ADP
fsr-3788	47	30	the	the	DET
fsr-3788	47	31	1981	1981	NUM
fsr-3788	47	32	-	-	SYM
fsr-3788	47	33	1983	1983	NUM
fsr-3788	47	34	period	period	NOUN
fsr-3788	47	35	.	.	PUNCT
fsr-3788	48	1	however	however	ADV
fsr-3788	48	2	,	,	PUNCT
fsr-3788	48	3	from	from	ADP
fsr-3788	48	4	1984	1984	NUM
fsr-3788	48	5	to	to	ADP
fsr-3788	48	6	1988	1988	NUM
fsr-3788	48	7	,	,	PUNCT
fsr-3788	48	8	this	this	DET
fsr-3788	48	9	causality	causality	NOUN
fsr-3788	48	10	seemed	seem	VERB
fsr-3788	48	11	to	to	PART
fsr-3788	48	12	reverse	reverse	VERB
fsr-3788	48	13	itself	itself	PRON
fsr-3788	48	14	.	.	PUNCT
fsr-3788	49	1	the	the	DET
fsr-3788	49	2	academic	academic	ADJ
fsr-3788	49	3	research	research	NOUN
fsr-3788	49	4	related	relate	VERB
fsr-3788	49	5	to	to	ADP
fsr-3788	49	6	valuing	value	VERB
fsr-3788	49	7	interest	interest	NOUN
fsr-3788	49	8	rate	rate	NOUN
fsr-3788	49	9	contingent	contingent	NOUN
fsr-3788	49	10	claims	claim	NOUN
fsr-3788	49	11	is	be	AUX
fsr-3788	49	12	vast	vast	ADJ
fsr-3788	49	13	.	.	PUNCT
fsr-3788	50	1	the	the	DET
fsr-3788	50	2	seminal	seminal	ADJ
fsr-3788	50	3	paper	paper	NOUN
fsr-3788	50	4	by	by	ADP
fsr-3788	50	5	black	black	ADJ
fsr-3788	50	6	and	and	CCONJ
fsr-3788	50	7	scholes	schole	NOUN
fsr-3788	50	8	(	(	PUNCT
fsr-3788	50	9	1973	1973	NUM
fsr-3788	50	10	)	)	PUNCT
fsr-3788	50	11	on	on	ADP
fsr-3788	50	12	option	option	NOUN
fsr-3788	50	13	pricing	pricing	NOUN
fsr-3788	50	14	also	also	ADV
fsr-3788	50	15	addressed	address	VERB
fsr-3788	50	16	bond	bond	NOUN
fsr-3788	50	17	valua	valua	ADJ
fsr-3788	50	18	tion	tion	NOUN
fsr-3788	50	19	.	.	PUNCT
fsr-3788	51	1	two	two	NUM
fsr-3788	51	2	surveys	survey	NOUN
fsr-3788	51	3	of	of	ADP
fsr-3788	51	4	this	this	DET
fsr-3788	51	5	vast	vast	ADJ
fsr-3788	51	6	literature	literature	NOUN
fsr-3788	51	7	include	include	VERB
fsr-3788	51	8	courtadon	courtadon	PROPN
fsr-3788	51	9	(	(	PUNCT
fsr-3788	51	10	1993	1993	NUM
fsr-3788	51	11	)	)	PUNCT
fsr-3788	51	12	and	and	CCONJ
fsr-3788	51	13	ho	ho	PROPN
fsr-3788	51	14	(	(	PUNCT
fsr-3788	51	15	1995	1995	NUM
fsr-3788	51	16	)	)	PUNCT
fsr-3788	51	17	.	.	PUNCT
fsr-3788	52	1	tuckman	tuckman	NOUN
fsr-3788	52	2	(	(	PUNCT
fsr-3788	52	3	1995	1995	NUM
fsr-3788	52	4	)	)	PUNCT
fsr-3788	52	5	offers	offer	VERB
fsr-3788	52	6	more	more	ADJ
fsr-3788	52	7	details	detail	NOUN
fsr-3788	52	8	on	on	ADP
fsr-3788	52	9	analytical	analytical	ADJ
fsr-3788	52	10	techniques	technique	NOUN
fsr-3788	52	11	.	.	PUNCT
fsr-3788	53	1	in	in	ADP
fsr-3788	53	2	this	this	DET
fsr-3788	53	3	paper	paper	NOUN
fsr-3788	53	4	,	,	PUNCT
fsr-3788	53	5	we	we	PRON
fsr-3788	53	6	seek	seek	VERB
fsr-3788	53	7	to	to	PART
fsr-3788	53	8	merge	merge	VERB
fsr-3788	53	9	the	the	DET
fsr-3788	53	10	recent	recent	ADJ
fsr-3788	53	11	advances	advance	NOUN
fsr-3788	53	12	in	in	ADP
fsr-3788	53	13	interest	interest	NOUN
fsr-3788	53	14	rate	rate	NOUN
fsr-3788	53	15	contingent	contingent	NOUN
fsr-3788	53	16	claims	claim	VERB
fsr-3788	53	17	valuation	valuation	NOUN
fsr-3788	53	18	with	with	ADP
fsr-3788	53	19	the	the	DET
fsr-3788	53	20	enhanced	enhanced	ADJ
fsr-3788	53	21	cd	cd	PROPN
fsr-3788	53	22	prod	prod	NOUN
fsr-3788	53	23	ucts	uct	NOUN
fsr-3788	53	24	.	.	PUNCT
fsr-3788	54	1	iii	iii	X
fsr-3788	54	2	.	.	PUNCT
fsr-3788	54	3	cd	cd	PROPN
fsr-3788	54	4	valuation	valuation	NOUN
fsr-3788	54	5	in	in	ADP
fsr-3788	54	6	developing	develop	VERB
fsr-3788	54	7	a	a	DET
fsr-3788	54	8	cd	cd	PROPN
fsr-3788	54	9	valuation	valuation	NOUN
fsr-3788	54	10	model	model	NOUN
fsr-3788	54	11	that	that	PRON
fsr-3788	54	12	incorporates	incorporate	VERB
fsr-3788	54	13	embedded	embed	VERB
fsr-3788	54	14	derivatives	derivative	NOUN
fsr-3788	54	15	,	,	PUNCT
fsr-3788	54	16	several	several	ADJ
fsr-3788	54	17	issues	issue	NOUN
fsr-3788	54	18	must	must	AUX
fsr-3788	54	19	be	be	AUX
fsr-3788	54	20	addressed	address	VERB
fsr-3788	54	21	.	.	PUNCT
fsr-3788	55	1	first	first	ADV
fsr-3788	55	2	,	,	PUNCT
fsr-3788	55	3	the	the	DET
fsr-3788	55	4	value	value	NOUN
fsr-3788	55	5	of	of	ADP
fsr-3788	55	6	the	the	DET
fsr-3788	55	7	exotic	exotic	ADJ
fsr-3788	55	8	option	option	NOUN
fsr-3788	55	9	will	will	AUX
fsr-3788	55	10	increase	increase	VERB
fsr-3788	55	11	as	as	SCONJ
fsr-3788	55	12	the	the	DET
fsr-3788	55	13	maturity	maturity	NOUN
fsr-3788	55	14	of	of	ADP
fsr-3788	55	15	the	the	DET
fsr-3788	55	16	cd	cd	PROPN
fsr-3788	55	17	is	be	AUX
fsr-3788	55	18	lengthened	lengthen	VERB
fsr-3788	55	19	.	.	PUNCT
fsr-3788	56	1	even	even	ADV
fsr-3788	56	2	the	the	DET
fsr-3788	56	3	most	most	ADV
fsr-3788	56	4	enhanced	enhance	VERB
fsr-3788	56	5	product	product	NOUN
fsr-3788	56	6	will	will	AUX
fsr-3788	56	7	not	not	PART
fsr-3788	56	8	be	be	AUX
fsr-3788	56	9	associated	associate	VERB
fsr-3788	56	10	with	with	ADP
fsr-3788	56	11	much	much	ADJ
fsr-3788	56	12	risk	risk	NOUN
fsr-3788	56	13	if	if	SCONJ
fsr-3788	56	14	the	the	DET
fsr-3788	56	15	maturity	maturity	NOUN
fsr-3788	56	16	is	be	AUX
fsr-3788	56	17	only	only	ADV
fsr-3788	56	18	three	three	NUM
fsr-3788	56	19	months	month	NOUN
fsr-3788	56	20	.	.	PUNCT
fsr-3788	57	1	however	however	ADV
fsr-3788	57	2	,	,	PUNCT
fsr-3788	57	3	some	some	DET
fsr-3788	57	4	cds	cd	NOUN
fsr-3788	57	5	have	have	VERB
fsr-3788	57	6	very	very	ADV
fsr-3788	57	7	long	long	ADJ
fsr-3788	57	8	maturities	maturity	NOUN
fsr-3788	57	9	.	.	PUNCT
fsr-3788	58	1	the	the	DET
fsr-3788	58	2	hunter	hunter	NOUN
fsr-3788	58	3	’s	’s	PART
fsr-3788	58	4	special	special	ADJ
fsr-3788	58	5	mentioned	mention	VERB
fsr-3788	58	6	above	above	ADV
fsr-3788	58	7	had	have	VERB
fsr-3788	58	8	a	a	DET
fsr-3788	58	9	nine	nine	NUM
fsr-3788	58	10	-	-	PUNCT
fsr-3788	58	11	year	year	NOUN
fsr-3788	58	12	maturity	maturity	NOUN
fsr-3788	58	13	.	.	PUNCT
fsr-3788	59	1	second	second	ADJ
fsr-3788	59	2	,	,	PUNCT
fsr-3788	59	3	the	the	DET
fsr-3788	59	4	ability	ability	NOUN
fsr-3788	59	5	to	to	PART
fsr-3788	59	6	early	early	ADJ
fsr-3788	59	7	withdrawal	withdrawal	NOUN
fsr-3788	59	8	is	be	AUX
fsr-3788	59	9	actually	actually	ADV
fsr-3788	59	10	an	an	DET
fsr-3788	59	11	option	option	NOUN
fsr-3788	59	12	held	hold	VERB
fsr-3788	59	13	by	by	ADP
fsr-3788	59	14	the	the	DET
fsr-3788	59	15	depositor	depositor	NOUN
fsr-3788	59	16	to	to	PART
fsr-3788	59	17	put	put	VERB
fsr-3788	59	18	the	the	DET
fsr-3788	59	19	cd	cd	PROPN
fsr-3788	59	20	back	back	ADV
fsr-3788	59	21	to	to	ADP
fsr-3788	59	22	the	the	DET
fsr-3788	59	23	bank	bank	NOUN
fsr-3788	59	24	.	.	PUNCT
fsr-3788	60	1	the	the	DET
fsr-3788	60	2	depositor	depositor	NOUN
fsr-3788	60	3	has	have	VERB
fsr-3788	60	4	the	the	DET
fsr-3788	60	5	option	option	NOUN
fsr-3788	60	6	of	of	ADP
fsr-3788	60	7	selling	sell	VERB
fsr-3788	60	8	the	the	DET
fsr-3788	60	9	cd	cd	PROPN
fsr-3788	60	10	to	to	ADP
fsr-3788	60	11	the	the	DET
fsr-3788	60	12	bank	bank	NOUN
fsr-3788	60	13	at	at	ADP
fsr-3788	60	14	a	a	DET
fsr-3788	60	15	price	price	NOUN
fsr-3788	60	16	less	less	ADJ
fsr-3788	60	17	than	than	ADP
fsr-3788	60	18	its	its	PRON
fsr-3788	60	19	“	"	PUNCT
fsr-3788	60	20	market	market	NOUN
fsr-3788	60	21	value	value	NOUN
fsr-3788	60	22	.	.	PUNCT
fsr-3788	60	23	”	"	PUNCT
fsr-3788	61	1	what	what	PRON
fsr-3788	61	2	sort	sort	NOUN
fsr-3788	61	3	of	of	ADP
fsr-3788	61	4	early	early	ADJ
fsr-3788	61	5	withdrawal	withdrawal	NOUN
fsr-3788	61	6	penalty	penalty	NOUN
fsr-3788	61	7	is	be	AUX
fsr-3788	61	8	appropriated	appropriate	VERB
fsr-3788	61	9	for	for	ADP
fsr-3788	61	10	bankers	banker	NOUN
fsr-3788	61	11	and	and	CCONJ
fsr-3788	61	12	depositors	depositor	NOUN
fsr-3788	61	13	alike	alike	ADV
fsr-3788	61	14	?	?	PUNCT
fsr-3788	62	1	as	as	SCONJ
fsr-3788	62	2	some	some	DET
fsr-3788	62	3	banks	bank	NOUN
fsr-3788	62	4	are	be	AUX
fsr-3788	62	5	dropping	drop	VERB
fsr-3788	62	6	the	the	DET
fsr-3788	62	7	early	early	ADJ
fsr-3788	62	8	withdrawal	withdrawal	NOUN
fsr-3788	62	9	penalty	penalty	NOUN
fsr-3788	62	10	altogether	altogether	ADV
fsr-3788	62	11	,	,	PUNCT
fsr-3788	62	12	how	how	SCONJ
fsr-3788	62	13	much	much	ADJ
fsr-3788	62	14	reduction	reduction	NOUN
fsr-3788	62	15	in	in	ADP
fsr-3788	62	16	yield	yield	NOUN
fsr-3788	62	17	should	should	AUX
fsr-3788	62	18	they	they	PRON
fsr-3788	62	19	demand	demand	VERB
fsr-3788	62	20	in	in	ADP
fsr-3788	62	21	return	return	NOUN
fsr-3788	62	22	?	?	PUNCT
fsr-3788	63	1	third	third	ADV
fsr-3788	63	2	,	,	PUNCT
fsr-3788	63	3	the	the	DET
fsr-3788	63	4	ability	ability	NOUN
fsr-3788	63	5	to	to	PART
fsr-3788	63	6	reset	reset	VERB
fsr-3788	63	7	the	the	DET
fsr-3788	63	8	interest	interest	NOUN
fsr-3788	63	9	rate	rate	NOUN
fsr-3788	63	10	and	and	CCONJ
fsr-3788	63	11	the	the	DET
fsr-3788	63	12	timing	timing	NOUN
fsr-3788	63	13	of	of	ADP
fsr-3788	63	14	this	this	DET
fsr-3788	63	15	ability	ability	NOUN
fsr-3788	63	16	need	need	VERB
fsr-3788	63	17	to	to	PART
fsr-3788	63	18	be	be	AUX
fsr-3788	63	19	addressed	address	VERB
fsr-3788	63	20	.	.	PUNCT
fsr-3788	64	1	for	for	ADP
fsr-3788	64	2	example	example	NOUN
fsr-3788	64	3	,	,	PUNCT
fsr-3788	64	4	some	some	DET
fsr-3788	64	5	two	two	NUM
fsr-3788	64	6	-	-	PUNCT
fsr-3788	64	7	year	year	NOUN
fsr-3788	64	8	cd	cd	NOUN
fsr-3788	64	9	products	product	NOUN
fsr-3788	64	10	aliow	aliow	VERB
fsr-3788	64	11	depositors	depositor	NOUN
fsr-3788	64	12	to	to	PART
fsr-3788	64	13	reset	reset	VERB
fsr-3788	64	14	the	the	DET
fsr-3788	64	15	interest	interest	NOUN
fsr-3788	64	16	34	34	NUM
fsr-3788	64	17	financial	financial	ADJ
fsr-3788	64	18	services	service	NOUN
fsr-3788	64	19	review	review	VERB
fsr-3788	64	20	5	5	NUM
fsr-3788	64	21	(	(	PUNCT
fsr-3788	64	22	1	1	NUM
fsr-3788	64	23	)	)	PUNCT
fsr-3788	64	24	1996	1996	NUM
fsr-3788	64	25	rate	rate	NOUN
fsr-3788	64	26	higher	high	ADJ
fsr-3788	64	27	during	during	ADP
fsr-3788	64	28	the	the	DET
fsr-3788	64	29	first	first	ADJ
fsr-3788	64	30	10	10	NUM
fsr-3788	64	31	days	day	NOUN
fsr-3788	64	32	of	of	ADP
fsr-3788	64	33	the	the	DET
fsr-3788	64	34	second	second	ADJ
fsr-3788	64	35	year	year	NOUN
fsr-3788	64	36	.	.	PUNCT
fsr-3788	65	1	other	other	ADJ
fsr-3788	65	2	two	two	NUM
fsr-3788	65	3	-	-	PUNCT
fsr-3788	65	4	year	year	NOUN
fsr-3788	65	5	cd	cd	NOUN
fsr-3788	65	6	products	product	NOUN
fsr-3788	65	7	allow	allow	VERB
fsr-3788	65	8	depositors	depositor	NOUN
fsr-3788	65	9	to	to	PART
fsr-3788	65	10	reset	reset	VERB
fsr-3788	65	11	the	the	DET
fsr-3788	65	12	interest	interest	NOUN
fsr-3788	65	13	rate	rate	NOUN
fsr-3788	65	14	at	at	ADP
fsr-3788	65	15	any	any	DET
fsr-3788	65	16	time	time	NOUN
fsr-3788	65	17	during	during	ADP
fsr-3788	65	18	the	the	DET
fsr-3788	65	19	two	two	NUM
fsr-3788	65	20	-	-	PUNCT
fsr-3788	65	21	year	year	NOUN
fsr-3788	65	22	period	period	NOUN
fsr-3788	65	23	.	.	PUNCT
fsr-3788	66	1	still	still	ADV
fsr-3788	66	2	other	other	ADJ
fsr-3788	66	3	two	two	NUM
fsr-3788	66	4	year	year	NOUN
fsr-3788	66	5	cd	cd	NOUN
fsr-3788	66	6	products	product	NOUN
fsr-3788	66	7	automatically	automatically	ADV
fsr-3788	66	8	reset	reset	VERB
fsr-3788	66	9	the	the	DET
fsr-3788	66	10	interest	interest	NOUN
fsr-3788	66	11	rate	rate	NOUN
fsr-3788	66	12	during	during	ADP
fsr-3788	66	13	the	the	DET
fsr-3788	66	14	life	life	NOUN
fsr-3788	66	15	of	of	ADP
fsr-3788	66	16	the	the	DET
fsr-3788	66	17	cd	cd	PROPN
fsr-3788	66	18	.	.	PUNCT
fsr-3788	67	1	some	some	DET
fsr-3788	67	2	framework	framework	NOUN
fsr-3788	67	3	is	be	AUX
fsr-3788	67	4	needed	need	VERB
fsr-3788	67	5	to	to	PART
fsr-3788	67	6	convert	convert	VERB
fsr-3788	67	7	these	these	DET
fsr-3788	67	8	various	various	ADJ
fsr-3788	67	9	alternatives	alternative	NOUN
fsr-3788	67	10	into	into	ADP
fsr-3788	67	11	tangible	tangible	ADJ
fsr-3788	67	12	apys	apys	NOUN
fsr-3788	67	13	or	or	CCONJ
fsr-3788	67	14	ears	ear	NOUN
fsr-3788	67	15	for	for	ADP
fsr-3788	67	16	comparative	comparative	ADJ
fsr-3788	67	17	purposes	purpose	NOUN
fsr-3788	67	18	.	.	PUNCT
fsr-3788	68	1	fourth	fourth	ADJ
fsr-3788	68	2	,	,	PUNCT
fsr-3788	68	3	most	most	ADJ
fsr-3788	68	4	floating	float	VERB
fsr-3788	68	5	-	-	PUNCT
fsr-3788	68	6	rate	rate	NOUN
fsr-3788	68	7	cds	cd	NOUN
fsr-3788	68	8	provide	provide	VERB
fsr-3788	68	9	a	a	DET
fsr-3788	68	10	floor	floor	NOUN
fsr-3788	68	11	on	on	ADP
fsr-3788	68	12	interest	interest	NOUN
fsr-3788	68	13	rates	rate	NOUN
fsr-3788	68	14	while	while	SCONJ
fsr-3788	68	15	some	some	PRON
fsr-3788	68	16	have	have	VERB
fsr-3788	68	17	caps	cap	NOUN
fsr-3788	68	18	.	.	PUNCT
fsr-3788	69	1	the	the	DET
fsr-3788	69	2	market	market	NOUN
fsr-3788	69	3	value	value	NOUN
fsr-3788	69	4	of	of	ADP
fsr-3788	69	5	a	a	DET
fsr-3788	69	6	floating	float	VERB
fsr-3788	69	7	-	-	PUNCT
fsr-3788	69	8	rate	rate	NOUN
fsr-3788	69	9	cd	cd	NOUN
fsr-3788	69	10	with	with	ADP
fsr-3788	69	11	an	an	DET
fsr-3788	69	12	embedded	embed	VERB
fsr-3788	69	13	option	option	NOUN
fsr-3788	69	14	(	(	PUNCT
fsr-3788	69	15	cap	cap	NOUN
fsr-3788	69	16	or	or	CCONJ
fsr-3788	69	17	floor	floor	NOUN
fsr-3788	69	18	)	)	PUNCT
fsr-3788	69	19	is	be	AUX
fsr-3788	69	20	equal	equal	ADJ
fsr-3788	69	21	to	to	ADP
fsr-3788	69	22	the	the	DET
fsr-3788	69	23	value	value	NOUN
fsr-3788	69	24	of	of	ADP
fsr-3788	69	25	a	a	DET
fsr-3788	69	26	floating	float	VERB
fsr-3788	69	27	-	-	PUNCT
fsr-3788	69	28	rate	rate	NOUN
fsr-3788	69	29	cd	cd	NOUN
fsr-3788	69	30	with	with	ADP
fsr-3788	69	31	no	no	DET
fsr-3788	69	32	option	option	NOUN
fsr-3788	69	33	minus	minus	ADP
fsr-3788	69	34	the	the	DET
fsr-3788	69	35	value	value	NOUN
fsr-3788	69	36	of	of	ADP
fsr-3788	69	37	the	the	DET
fsr-3788	69	38	cap	cap	NOUN
fsr-3788	69	39	or	or	CCONJ
fsr-3788	69	40	plus	plus	CCONJ
fsr-3788	69	41	the	the	DET
fsr-3788	69	42	value	value	NOUN
fsr-3788	69	43	of	of	ADP
fsr-3788	69	44	the	the	DET
fsr-3788	69	45	floor	floor	NOUN
fsr-3788	69	46	.	.	PUNCT
fsr-3788	70	1	fifth	fifth	ADJ
fsr-3788	70	2	,	,	PUNCT
fsr-3788	70	3	some	some	DET
fsr-3788	70	4	cds	cd	NOUN
fsr-3788	70	5	allow	allow	VERB
fsr-3788	70	6	depositors	depositor	NOUN
fsr-3788	70	7	to	to	PART
fsr-3788	70	8	add	add	VERB
fsr-3788	70	9	additional	additional	ADJ
fsr-3788	70	10	funds	fund	NOUN
fsr-3788	70	11	to	to	ADP
fsr-3788	70	12	the	the	DET
fsr-3788	70	13	cd	cd	PROPN
fsr-3788	70	14	during	during	ADP
fsr-3788	70	15	its	its	PRON
fsr-3788	70	16	life	life	NOUN
fsr-3788	70	17	.	.	PUNCT
fsr-3788	71	1	finally	finally	ADV
fsr-3788	71	2	,	,	PUNCT
fsr-3788	71	3	the	the	DET
fsr-3788	71	4	standard	standard	ADJ
fsr-3788	71	5	adjustments	adjustment	NOUN
fsr-3788	71	6	for	for	ADP
fsr-3788	71	7	compounding	compounding	NOUN
fsr-3788	71	8	method	method	NOUN
fsr-3788	71	9	and	and	CCONJ
fsr-3788	71	10	payment	payment	NOUN
fsr-3788	71	11	frequency	frequency	NOUN
fsr-3788	71	12	must	must	AUX
fsr-3788	71	13	be	be	AUX
fsr-3788	71	14	made	make	VERB
fsr-3788	71	15	.	.	PUNCT
fsr-3788	72	1	the	the	DET
fsr-3788	72	2	comparison	comparison	NOUN
fsr-3788	72	3	of	of	ADP
fsr-3788	72	4	enhanced	enhanced	ADJ
fsr-3788	72	5	cds	cd	NOUN
fsr-3788	72	6	with	with	ADP
fsr-3788	72	7	standard	standard	ADJ
fsr-3788	72	8	instruments	instrument	NOUN
fsr-3788	72	9	follows	follow	VERB
fsr-3788	72	10	a	a	DET
fsr-3788	72	11	two	two	NUM
fsr-3788	72	12	-	-	PUNCT
fsr-3788	72	13	step	step	NOUN
fsr-3788	72	14	proce	proce	PROPN
fsr-3788	72	15	dure	dure	PROPN
fsr-3788	72	16	.	.	PUNCT
fsr-3788	73	1	first	first	ADV
fsr-3788	73	2	,	,	PUNCT
fsr-3788	73	3	the	the	DET
fsr-3788	73	4	current	current	ADJ
fsr-3788	73	5	value	value	NOUN
fsr-3788	73	6	will	will	AUX
fsr-3788	73	7	be	be	AUX
fsr-3788	73	8	estimated	estimate	VERB
fsr-3788	73	9	for	for	ADP
fsr-3788	73	10	both	both	CCONJ
fsr-3788	73	11	the	the	DET
fsr-3788	73	12	enhanced	enhanced	ADJ
fsr-3788	73	13	cd	cd	NOUN
fsr-3788	73	14	and	and	CCONJ
fsr-3788	73	15	the	the	DET
fsr-3788	73	16	standard	standard	ADJ
fsr-3788	73	17	cd	cd	PROPN
fsr-3788	73	18	using	use	VERB
fsr-3788	73	19	the	the	DET
fsr-3788	73	20	same	same	ADJ
fsr-3788	73	21	reference	reference	NOUN
fsr-3788	73	22	interest	interest	NOUN
fsr-3788	73	23	rate	rate	NOUN
fsr-3788	73	24	(	(	PUNCT
fsr-3788	73	25	see	see	VERB
fsr-3788	73	26	the	the	DET
fsr-3788	73	27	appendix	appendix	NOUN
fsr-3788	73	28	for	for	ADP
fsr-3788	73	29	a	a	DET
fsr-3788	73	30	sketch	sketch	NOUN
fsr-3788	73	31	of	of	ADP
fsr-3788	73	32	how	how	SCONJ
fsr-3788	73	33	this	this	PRON
fsr-3788	73	34	would	would	AUX
fsr-3788	73	35	be	be	AUX
fsr-3788	73	36	accomplished	accomplish	VERB
fsr-3788	73	37	)	)	PUNCT
fsr-3788	73	38	.	.	PUNCT
fsr-3788	74	1	second	second	ADJ
fsr-3788	74	2	,	,	PUNCT
fsr-3788	74	3	the	the	DET
fsr-3788	74	4	price	price	NOUN
fsr-3788	74	5	differential	differential	NOUN
fsr-3788	74	6	between	between	ADP
fsr-3788	74	7	these	these	DET
fsr-3788	74	8	two	two	NUM
fsr-3788	74	9	cds	cd	NOUN
fsr-3788	74	10	will	will	AUX
fsr-3788	74	11	be	be	AUX
fsr-3788	74	12	used	use	VERB
fsr-3788	74	13	to	to	PART
fsr-3788	74	14	establish	establish	VERB
fsr-3788	74	15	the	the	DET
fsr-3788	74	16	ear	ear	NOUN
fsr-3788	74	17	or	or	CCONJ
fsr-3788	74	18	apy	apy	NOUN
fsr-3788	74	19	for	for	ADP
fsr-3788	74	20	the	the	DET
fsr-3788	74	21	enhanced	enhanced	ADJ
fsr-3788	74	22	cd	cd	PROPN
fsr-3788	74	23	.	.	PUNCT
fsr-3788	75	1	once	once	SCONJ
fsr-3788	75	2	the	the	DET
fsr-3788	75	3	value	value	NOUN
fsr-3788	75	4	of	of	ADP
fsr-3788	75	5	the	the	DET
fsr-3788	75	6	enhanced	enhance	VERB
fsr-3788	75	7	cd	cd	PROPN
fsr-3788	75	8	is	be	AUX
fsr-3788	75	9	established	establish	VERB
fsr-3788	75	10	,	,	PUNCT
fsr-3788	75	11	we	we	PRON
fsr-3788	75	12	can	can	AUX
fsr-3788	75	13	estimate	estimate	VERB
fsr-3788	75	14	either	either	CCONJ
fsr-3788	75	15	the	the	DET
fsr-3788	75	16	effective	effective	ADJ
fsr-3788	75	17	annual	annual	ADJ
fsr-3788	75	18	rate	rate	NOUN
fsr-3788	75	19	(	(	PUNCT
fsr-3788	75	20	ear	ear	NOUN
fsr-3788	75	21	)	)	PUNCT
fsr-3788	75	22	or	or	CCONJ
fsr-3788	75	23	the	the	DET
fsr-3788	75	24	annual	annual	ADJ
fsr-3788	75	25	percentage	percentage	NOUN
fsr-3788	75	26	yield	yield	NOUN
fsr-3788	75	27	(	(	PUNCT
fsr-3788	75	28	apy	apy	NOUN
fsr-3788	75	29	)	)	PUNCT
fsr-3788	75	30	.	.	PUNCT
fsr-3788	76	1	the	the	DET
fsr-3788	76	2	ear	ear	NOUN
fsr-3788	76	3	is	be	AUX
fsr-3788	76	4	the	the	DET
fsr-3788	76	5	appropriate	appropriate	ADJ
fsr-3788	76	6	inter	inter	ADJ
fsr-3788	76	7	est	est	X
fsr-3788	76	8	rate	rate	NOUN
fsr-3788	76	9	if	if	SCONJ
fsr-3788	76	10	it	it	PRON
fsr-3788	76	11	were	be	AUX
fsr-3788	76	12	compounded	compound	VERB
fsr-3788	76	13	only	only	ADV
fsr-3788	76	14	once	once	ADV
fsr-3788	76	15	a	a	DET
fsr-3788	76	16	year	year	NOUN
fsr-3788	76	17	.	.	PUNCT
fsr-3788	77	1	the	the	DET
fsr-3788	77	2	apy	apy	NOUN
fsr-3788	77	3	is	be	AUX
fsr-3788	77	4	the	the	DET
fsr-3788	77	5	per	per	ADJ
fsr-3788	77	6	period	period	NOUN
fsr-3788	77	7	interest	interest	NOUN
fsr-3788	77	8	rate	rate	NOUN
fsr-3788	77	9	multiplied	multiply	VERB
fsr-3788	77	10	by	by	ADP
fsr-3788	77	11	the	the	DET
fsr-3788	77	12	number	number	NOUN
fsr-3788	77	13	of	of	ADP
fsr-3788	77	14	periods	period	NOUN
fsr-3788	77	15	in	in	ADP
fsr-3788	77	16	a	a	DET
fsr-3788	77	17	year	year	NOUN
fsr-3788	77	18	.	.	PUNCT
fsr-3788	78	1	it	it	PRON
fsr-3788	78	2	is	be	AUX
fsr-3788	78	3	important	important	ADJ
fsr-3788	78	4	to	to	PART
fsr-3788	78	5	emphasize	emphasize	VERB
fsr-3788	78	6	at	at	ADP
fsr-3788	78	7	this	this	DET
fsr-3788	78	8	point	point	NOUN
fsr-3788	78	9	that	that	SCONJ
fsr-3788	78	10	our	our	PRON
fsr-3788	78	11	objective	objective	NOUN
fsr-3788	78	12	is	be	AUX
fsr-3788	78	13	one	one	NUM
fsr-3788	78	14	of	of	ADP
fsr-3788	78	15	assessing	assess	VERB
fsr-3788	78	16	relative	relative	ADJ
fsr-3788	78	17	value	value	NOUN
fsr-3788	78	18	.	.	PUNCT
fsr-3788	79	1	that	that	PRON
fsr-3788	79	2	is	be	AUX
fsr-3788	79	3	,	,	PUNCT
fsr-3788	79	4	what	what	PRON
fsr-3788	79	5	is	be	AUX
fsr-3788	79	6	the	the	DET
fsr-3788	79	7	value	value	NOUN
fsr-3788	79	8	of	of	ADP
fsr-3788	79	9	the	the	DET
fsr-3788	79	10	enhanced	enhanced	ADJ
fsr-3788	79	11	cd	cd	NOUN
fsr-3788	79	12	relative	relative	NOUN
fsr-3788	79	13	to	to	ADP
fsr-3788	79	14	a	a	DET
fsr-3788	79	15	standard	standard	ADJ
fsr-3788	79	16	cd	cd	NOUN
fsr-3788	79	17	whose	whose	DET
fsr-3788	79	18	value	value	NOUN
fsr-3788	79	19	we	we	PRON
fsr-3788	79	20	are	be	AUX
fsr-3788	79	21	assumed	assume	VERB
fsr-3788	79	22	to	to	PART
fsr-3788	79	23	know	know	VERB
fsr-3788	79	24	?	?	PUNCT
fsr-3788	80	1	because	because	SCONJ
fsr-3788	80	2	there	there	PRON
fsr-3788	80	3	is	be	VERB
fsr-3788	80	4	no	no	DET
fsr-3788	80	5	secondary	secondary	ADJ
fsr-3788	80	6	market	market	NOUN
fsr-3788	80	7	in	in	ADP
fsr-3788	80	8	enhanced	enhanced	ADJ
fsr-3788	80	9	cds	cd	NOUN
fsr-3788	80	10	,	,	PUNCT
fsr-3788	80	11	it	it	PRON
fsr-3788	80	12	is	be	AUX
fsr-3788	80	13	impossible	impossible	ADJ
fsr-3788	80	14	to	to	PART
fsr-3788	80	15	use	use	VERB
fsr-3788	80	16	a	a	DET
fsr-3788	80	17	direct	direct	ADJ
fsr-3788	80	18	market	market	NOUN
fsr-3788	80	19	comparable	comparable	ADJ
fsr-3788	80	20	valuation	valuation	NOUN
fsr-3788	80	21	approach	approach	NOUN
fsr-3788	80	22	.	.	PUNCT
fsr-3788	81	1	it	it	PRON
fsr-3788	81	2	is	be	AUX
fsr-3788	81	3	standard	standard	ADJ
fsr-3788	81	4	practice	practice	NOUN
fsr-3788	81	5	in	in	ADP
fsr-3788	81	6	the	the	DET
fsr-3788	81	7	derivatives	derivative	NOUN
fsr-3788	81	8	markets	market	NOUN
fsr-3788	81	9	to	to	PART
fsr-3788	81	10	value	value	VERB
fsr-3788	81	11	off	off	ADP
fsr-3788	81	12	-	-	PUNCT
fsr-3788	81	13	market	market	NOUN
fsr-3788	81	14	instruments	instrument	NOUN
fsr-3788	81	15	using	use	VERB
fsr-3788	81	16	some	some	DET
fsr-3788	81	17	valuation	valuation	NOUN
fsr-3788	81	18	methodology	methodology	NOUN
fsr-3788	81	19	calibrated	calibrate	VERB
fsr-3788	81	20	to	to	ADP
fsr-3788	81	21	at	at	ADP
fsr-3788	81	22	-	-	PUNCT
fsr-3788	81	23	market	market	NOUN
fsr-3788	81	24	instruments	instrument	NOUN
fsr-3788	81	25	.	.	PUNCT
fsr-3788	82	1	here	here	ADV
fsr-3788	82	2	we	we	PRON
fsr-3788	82	3	assume	assume	VERB
fsr-3788	82	4	the	the	DET
fsr-3788	82	5	current	current	ADJ
fsr-3788	82	6	standard	standard	ADJ
fsr-3788	82	7	cd	cd	NOUN
fsr-3788	82	8	trades	trade	NOUN
fsr-3788	82	9	at	at	ADP
fsr-3788	82	10	par	par	NOUN
fsr-3788	82	11	,	,	PUNCT
fsr-3788	82	12	even	even	ADV
fsr-3788	82	13	though	though	SCONJ
fsr-3788	82	14	there	there	PRON
fsr-3788	82	15	is	be	VERB
fsr-3788	82	16	obviously	obviously	ADV
fsr-3788	82	17	profit	profit	NOUN
fsr-3788	82	18	to	to	ADP
fsr-3788	82	19	the	the	DET
fsr-3788	82	20	bank	bank	NOUN
fsr-3788	82	21	,	,	PUNCT
fsr-3788	82	22	because	because	SCONJ
fsr-3788	82	23	our	our	PRON
fsr-3788	82	24	focus	focus	NOUN
fsr-3788	82	25	is	be	AUX
fsr-3788	82	26	on	on	ADP
fsr-3788	82	27	relative	relative	ADJ
fsr-3788	82	28	value	value	NOUN
fsr-3788	82	29	.	.	PUNCT
fsr-3788	83	1	currently	currently	ADV
fsr-3788	83	2	,	,	PUNCT
fsr-3788	83	3	bank	bank	PROPN
fsr-3788	83	4	cd	cd	PROPN
fsr-3788	83	5	rates	rate	NOUN
fsr-3788	83	6	are	be	AUX
fsr-3788	83	7	highly	highly	ADV
fsr-3788	83	8	correlated	correlate	VERB
fsr-3788	83	9	with	with	ADP
fsr-3788	83	10	libor	libor	PROPN
fsr-3788	83	11	rates	rate	NOUN
fsr-3788	83	12	.	.	PUNCT
fsr-3788	84	1	the	the	DET
fsr-3788	84	2	only	only	ADJ
fsr-3788	84	3	unobserved	unobserved	ADJ
fsr-3788	84	4	parameter	parameter	NOUN
fsr-3788	84	5	is	be	AUX
fsr-3788	84	6	volatility	volatility	NOUN
fsr-3788	84	7	and	and	CCONJ
fsr-3788	84	8	it	it	PRON
fsr-3788	84	9	can	can	AUX
fsr-3788	84	10	be	be	AUX
fsr-3788	84	11	approximated	approximate	VERB
fsr-3788	84	12	from	from	ADP
fsr-3788	84	13	the	the	DET
fsr-3788	84	14	appropriate	appropriate	ADJ
fsr-3788	84	15	interest	interest	NOUN
fsr-3788	84	16	rate	rate	NOUN
fsr-3788	84	17	deriv	deriv	PROPN
fsr-3788	84	18	ative	ative	ADJ
fsr-3788	84	19	market	market	NOUN
fsr-3788	84	20	,	,	PUNCT
fsr-3788	84	21	such	such	ADJ
fsr-3788	84	22	as	as	ADP
fsr-3788	84	23	caps	cap	NOUN
fsr-3788	84	24	,	,	PUNCT
fsr-3788	84	25	floors	floor	NOUN
fsr-3788	84	26	,	,	PUNCT
fsr-3788	84	27	and	and	CCONJ
fsr-3788	84	28	swaption	swaption	NOUN
fsr-3788	84	29	markets	market	NOUN
fsr-3788	84	30	.	.	PUNCT
fsr-3788	85	1	it	it	PRON
fsr-3788	85	2	is	be	AUX
fsr-3788	85	3	not	not	PART
fsr-3788	85	4	uncommon	uncommon	ADJ
fsr-3788	85	5	to	to	PART
fsr-3788	85	6	determine	determine	VERB
fsr-3788	85	7	the	the	DET
fsr-3788	85	8	value	value	NOUN
fsr-3788	85	9	of	of	ADP
fsr-3788	85	10	a	a	DET
fsr-3788	85	11	financial	financial	ADJ
fsr-3788	85	12	security	security	NOUN
fsr-3788	85	13	that	that	PRON
fsr-3788	85	14	has	have	VERB
fsr-3788	85	15	no	no	DET
fsr-3788	85	16	liquidity	liquidity	NOUN
fsr-3788	85	17	.	.	PUNCT
fsr-3788	86	1	for	for	ADP
fsr-3788	86	2	example	example	NOUN
fsr-3788	86	3	,	,	PUNCT
fsr-3788	86	4	fasb	fasb	PROPN
fsr-3788	86	5	is	be	AUX
fsr-3788	86	6	presently	presently	ADV
fsr-3788	86	7	assessing	assess	VERB
fsr-3788	86	8	what	what	PRON
fsr-3788	86	9	to	to	PART
fsr-3788	86	10	do	do	VERB
fsr-3788	86	11	with	with	ADP
fsr-3788	86	12	the	the	DET
fsr-3788	86	13	fair	fair	ADJ
fsr-3788	86	14	value	value	NOUN
fsr-3788	86	15	of	of	ADP
fsr-3788	86	16	executive	executive	ADJ
fsr-3788	86	17	stock	stock	NOUN
fsr-3788	86	18	options	option	NOUN
fsr-3788	86	19	even	even	ADV
fsr-3788	86	20	though	though	SCONJ
fsr-3788	86	21	they	they	PRON
fsr-3788	86	22	are	be	AUX
fsr-3788	86	23	nonmarketable	nonmarketable	ADJ
fsr-3788	86	24	,	,	PUNCT
fsr-3788	86	25	require	require	VERB
fsr-3788	86	26	vesting	vest	VERB
fsr-3788	86	27	,	,	PUNCT
fsr-3788	86	28	and	and	CCONJ
fsr-3788	86	29	so	so	ADV
fsr-3788	86	30	forth	forth	ADV
fsr-3788	86	31	.	.	PUNCT
fsr-3788	87	1	there	there	PRON
fsr-3788	87	2	is	be	VERB
fsr-3788	87	3	a	a	DET
fsr-3788	87	4	whole	whole	ADJ
fsr-3788	87	5	industry	industry	NOUN
fsr-3788	87	6	related	relate	VERB
fsr-3788	87	7	to	to	ADP
fsr-3788	87	8	business	business	NOUN
fsr-3788	87	9	valuation	valuation	NOUN
fsr-3788	87	10	,	,	PUNCT
fsr-3788	87	11	where	where	SCONJ
fsr-3788	87	12	many	many	ADJ
fsr-3788	87	13	times	time	NOUN
fsr-3788	87	14	there	there	PRON
fsr-3788	87	15	are	be	VERB
fsr-3788	87	16	no	no	DET
fsr-3788	87	17	direct	direct	ADJ
fsr-3788	87	18	market	market	NOUN
fsr-3788	87	19	com	com	NOUN
fsr-3788	87	20	parables	parable	NOUN
fsr-3788	87	21	.	.	PUNCT
fsr-3788	88	1	in	in	ADP
fsr-3788	88	2	derivative	derivative	ADJ
fsr-3788	88	3	markets	market	NOUN
fsr-3788	88	4	,	,	PUNCT
fsr-3788	88	5	standard	standard	ADJ
fsr-3788	88	6	practice	practice	NOUN
fsr-3788	88	7	is	be	AUX
fsr-3788	88	8	to	to	PART
fsr-3788	88	9	rely	rely	VERB
fsr-3788	88	10	on	on	ADP
fsr-3788	88	11	valuation	valuation	NOUN
fsr-3788	88	12	models	model	NOUN
fsr-3788	88	13	that	that	PRON
fsr-3788	88	14	have	have	AUX
fsr-3788	88	15	been	be	AUX
fsr-3788	88	16	appropriately	appropriately	ADV
fsr-3788	88	17	calibrated	calibrate	VERB
fsr-3788	88	18	.	.	PUNCT
fsr-3788	89	1	in	in	ADP
fsr-3788	89	2	the	the	DET
fsr-3788	89	3	end	end	NOUN
fsr-3788	89	4	,	,	PUNCT
fsr-3788	89	5	bankers	banker	NOUN
fsr-3788	89	6	and	and	CCONJ
fsr-3788	89	7	depositors	depositor	NOUN
fsr-3788	89	8	must	must	AUX
fsr-3788	89	9	assess	assess	VERB
fsr-3788	89	10	the	the	DET
fsr-3788	89	11	validity	validity	NOUN
fsr-3788	89	12	of	of	ADP
fsr-3788	89	13	the	the	DET
fsr-3788	89	14	valuation	valuation	NOUN
fsr-3788	89	15	model	model	NOUN
fsr-3788	89	16	and	and	CCONJ
fsr-3788	89	17	the	the	DET
fsr-3788	89	18	inputs	input	NOUN
fsr-3788	89	19	used	use	VERB
fsr-3788	89	20	.	.	PUNCT
fsr-3788	90	1	the	the	DET
fsr-3788	90	2	depositor	depositor	NOUN
fsr-3788	90	3	must	must	AUX
fsr-3788	90	4	carefully	carefully	ADV
fsr-3788	90	5	examine	examine	VERB
fsr-3788	90	6	the	the	DET
fsr-3788	90	7	enhanced	enhanced	ADJ
fsr-3788	90	8	features	feature	NOUN
fsr-3788	90	9	of	of	ADP
fsr-3788	90	10	these	these	DET
fsr-3788	90	11	cds	cd	NOUN
fsr-3788	90	12	and	and	CCONJ
fsr-3788	90	13	deter	deter	VERB
fsr-3788	90	14	mine	mine	PRON
fsr-3788	90	15	whether	whether	SCONJ
fsr-3788	90	16	the	the	DET
fsr-3788	90	17	enhanced	enhance	VERB
fsr-3788	90	18	features	feature	NOUN
fsr-3788	90	19	are	be	AUX
fsr-3788	90	20	sufficiently	sufficiently	ADV
fsr-3788	90	21	beneficial	beneficial	ADJ
fsr-3788	90	22	to	to	PART
fsr-3788	90	23	offset	offset	VERB
fsr-3788	90	24	the	the	DET
fsr-3788	90	25	loss	loss	NOUN
fsr-3788	90	26	in	in	ADP
fsr-3788	90	27	yield	yield	NOUN
fsr-3788	90	28	.	.	PUNCT
fsr-3788	91	1	one	one	NUM
fsr-3788	91	2	approach	approach	NOUN
fsr-3788	91	3	would	would	AUX
fsr-3788	91	4	be	be	AUX
fsr-3788	91	5	for	for	SCONJ
fsr-3788	91	6	the	the	DET
fsr-3788	91	7	depositors	depositor	NOUN
fsr-3788	91	8	to	to	PART
fsr-3788	91	9	assign	assign	VERB
fsr-3788	91	10	a	a	DET
fsr-3788	91	11	price	price	NOUN
fsr-3788	91	12	to	to	ADP
fsr-3788	91	13	the	the	DET
fsr-3788	91	14	enhanced	enhance	VERB
fsr-3788	91	15	features	feature	NOUN
fsr-3788	91	16	based	base	VERB
fsr-3788	91	17	on	on	ADP
fsr-3788	91	18	their	their	PRON
fsr-3788	91	19	preferences	preference	NOUN
fsr-3788	91	20	.	.	PUNCT
fsr-3788	92	1	this	this	DET
fsr-3788	92	2	depositor	depositor	NOUN
fsr-3788	92	3	specific	specific	ADJ
fsr-3788	92	4	price	price	NOUN
fsr-3788	92	5	would	would	AUX
fsr-3788	92	6	be	be	AUX
fsr-3788	92	7	used	use	VERB
fsr-3788	92	8	to	to	PART
fsr-3788	92	9	establish	establish	VERB
fsr-3788	92	10	an	an	DET
fsr-3788	92	11	adjusted	adjusted	ADJ
fsr-3788	92	12	ear	ear	NOUN
fsr-3788	92	13	or	or	CCONJ
fsr-3788	92	14	apy	apy	NOUN
fsr-3788	92	15	.	.	PROPN
fsr-3788	92	16	suppose	suppose	VERB
fsr-3788	92	17	the	the	DET
fsr-3788	92	18	standard	standard	ADJ
fsr-3788	92	19	two	two	NUM
fsr-3788	92	20	-	-	PUNCT
fsr-3788	92	21	year	year	NOUN
fsr-3788	92	22	,	,	PUNCT
fsr-3788	92	23	fixed	fix	VERB
fsr-3788	92	24	-	-	PUNCT
fsr-3788	92	25	rate	rate	NOUN
fsr-3788	92	26	cd	cd	NOUN
fsr-3788	92	27	is	be	AUX
fsr-3788	92	28	quoted	quote	VERB
fsr-3788	92	29	at	at	ADP
fsr-3788	92	30	5	5	NUM
fsr-3788	92	31	%	%	NOUN
fsr-3788	92	32	(	(	PUNCT
fsr-3788	92	33	ear	ear	NOUN
fsr-3788	92	34	,	,	PUNCT
fsr-3788	92	35	,	,	PUNCT
fsr-3788	92	36	where	where	SCONJ
fsr-3788	92	37	s	s	NOUN
fsr-3788	92	38	denotes	denote	VERB
fsr-3788	92	39	the	the	DET
fsr-3788	92	40	“	"	PUNCT
fsr-3788	92	41	standard	standard	ADJ
fsr-3788	92	42	cd	cd	PROPN
fsr-3788	92	43	”	"	PUNCT
fsr-3788	92	44	)	)	PUNCT
fsr-3788	92	45	.	.	PUNCT
fsr-3788	93	1	a	a	DET
fsr-3788	93	2	banker	banker	NOUN
fsr-3788	93	3	is	be	AUX
fsr-3788	93	4	considering	consider	VERB
fsr-3788	93	5	offering	offer	VERB
fsr-3788	93	6	another	another	DET
fsr-3788	93	7	comparable	comparable	ADJ
fsr-3788	93	8	cd	cd	NOUN
fsr-3788	93	9	product	product	NOUN
fsr-3788	93	10	with	with	ADP
fsr-3788	93	11	a	a	DET
fsr-3788	93	12	low	low	ADJ
fsr-3788	93	13	early	early	ADJ
fsr-3788	93	14	withdrawal	withdrawal	NOUN
fsr-3788	93	15	penalty	penalty	NOUN
fsr-3788	93	16	(	(	PUNCT
fsr-3788	93	17	say	say	VERB
fsr-3788	93	18	14&y	14&y	NUM
fsr-3788	93	19	penalty	penalty	NOUN
fsr-3788	93	20	rather	rather	ADV
fsr-3788	93	21	than	than	ADP
fsr-3788	93	22	182&y	182&y	NUM
fsr-3788	93	23	)	)	PUNCT
fsr-3788	93	24	,	,	PUNCT
fsr-3788	93	25	and	and	CCONJ
fsr-3788	93	26	this	this	PRON
fsr-3788	93	27	lower	low	ADJ
fsr-3788	93	28	early	early	ADJ
fsr-3788	93	29	withdrawal	withdrawal	NOUN
fsr-3788	93	30	penalty	penalty	NOUN
fsr-3788	93	31	resulted	result	VERB
fsr-3788	93	32	in	in	ADP
fsr-3788	93	33	an	an	DET
fsr-3788	93	34	enhanced	enhanced	ADJ
fsr-3788	93	35	cd	cd	NOUN
fsr-3788	93	36	value	value	NOUN
fsr-3788	93	37	of	of	ADP
fsr-3788	93	38	100.20	100.20	NUM
fsr-3788	93	39	%	%	NOUN
fsr-3788	93	40	of	of	ADP
fsr-3788	93	41	par	par	NOUN
fsr-3788	93	42	based	base	VERB
fsr-3788	93	43	on	on	ADP
fsr-3788	93	44	an	an	DET
fsr-3788	93	45	acceptable	acceptable	ADJ
fsr-3788	93	46	valuation	valuation	NOUN
fsr-3788	93	47	model	model	NOUN
fsr-3788	93	48	that	that	PRON
fsr-3788	93	49	has	have	AUX
fsr-3788	93	50	been	be	AUX
fsr-3788	93	51	appropriately	appropriately	ADV
fsr-3788	93	52	calibrated	calibrate	VERB
fsr-3788	93	53	(	(	PUNCT
fsr-3788	93	54	denote	denote	VERB
fsr-3788	93	55	this	this	DET
fsr-3788	93	56	value	value	NOUN
fsr-3788	93	57	as	as	ADP
fsr-3788	93	58	computing	compute	VERB
fsr-3788	93	59	yields	yield	NOUN
fsr-3788	93	60	on	on	ADP
fsr-3788	93	61	enhanced	enhanced	ADJ
fsr-3788	93	62	cds	cd	NOUN
fsr-3788	93	63	35	35	NUM
fsr-3788	93	64	encdvulue	encdvulue	NOUN
fsr-3788	93	65	;	;	PUNCT
fsr-3788	93	66	hence	hence	ADV
fsr-3788	93	67	,	,	PUNCT
fsr-3788	93	68	depositors	depositor	NOUN
fsr-3788	93	69	place	place	VERB
fsr-3788	93	70	a	a	DET
fsr-3788	93	71	20	20	NUM
fsr-3788	93	72	basis	basis	NOUN
fsr-3788	93	73	point	point	NOUN
fsr-3788	93	74	value	value	NOUN
fsr-3788	93	75	on	on	ADP
fsr-3788	93	76	the	the	DET
fsr-3788	93	77	lower	low	ADJ
fsr-3788	93	78	early	early	ADJ
fsr-3788	93	79	withdrawal	withdrawal	NOUN
fsr-3788	93	80	penalty	penalty	NOUN
fsr-3788	93	81	)	)	PUNCT
fsr-3788	93	82	,	,	PUNCT
fsr-3788	93	83	then	then	ADV
fsr-3788	93	84	the	the	DET
fsr-3788	93	85	eab	eab	NOUN
fsr-3788	93	86	for	for	ADP
fsr-3788	93	87	this	this	DET
fsr-3788	93	88	enhanced	enhance	VERB
fsr-3788	93	89	cd	cd	PROPN
fsr-3788	93	90	(	(	PUNCT
fsr-3788	93	91	ear	ear	NOUN
fsr-3788	93	92	,	,	PUNCT
fsr-3788	93	93	)	)	PUNCT
fsr-3788	93	94	would	would	AUX
fsr-3788	93	95	be	be	AUX
fsr-3788	93	96	computed	compute	VERB
fsr-3788	93	97	as	as	SCONJ
fsr-3788	93	98	follows	follow	VERB
fsr-3788	93	99	:	:	PUNCT
fsr-3788	93	100	encdvalue	encdvalue	NOUN
fsr-3788	93	101	=	=	SYM
fsr-3788	93	102	par(1	par(1	PROPN
fsr-3788	93	103	+	+	NUM
fsr-3788	93	104	annualpremrate)“365	annualpremrate)“365	NOUN
fsr-3788	93	105	,	,	PUNCT
fsr-3788	93	106	or	or	CCONJ
fsr-3788	93	107	annualpremrate	annualpremrate	VERB
fsr-3788	93	108	=	=	SYM
fsr-3788	93	109	>	>	X
fsr-3788	93	110	365	365	NUM
fsr-3788	93	111	/	/	SYM
fsr-3788	93	112	r	r	NOUN
fsr-3788	93	113	_	_	NOUN
fsr-3788	93	114	1	1	NUM
fsr-3788	93	115	thus	thus	ADV
fsr-3788	93	116	,	,	PUNCT
fsr-3788	93	117	ear	ear	X
fsr-3788	93	118	,	,	PUNCT
fsr-3788	93	119	,	,	PUNCT
fsr-3788	93	120	=	=	SYM
fsr-3788	93	121	loo(ear	loo(ear	ADJ
fsr-3788	93	122	,	,	PUNCT
fsr-3788	93	123	+	+	CCONJ
fsr-3788	93	124	annualpremrate	annualpremrate	ADJ
fsr-3788	93	125	)	)	PUNCT
fsr-3788	93	126	ear	ear	NOUN
fsr-3788	93	127	,	,	PUNCT
fsr-3788	93	128	=	=	SYM
fsr-3788	93	129	1w[o.05+{(~~'730i	1w[o.05+{(~~'730i	NUM
fsr-3788	93	130	}	}	PUNCT
fsr-3788	93	131	]	]	PUNCT
fsr-3788	93	132	=	=	SYM
fsr-3788	94	1	100[0.05	100[0.05	NUM
fsr-3788	94	2	+	+	SYM
fsr-3788	94	3	{	{	PUNCT
fsr-3788	94	4	o.ool	o.ool	NOUN
fsr-3788	94	5	]	]	X
fsr-3788	94	6	]	]	PUNCT
fsr-3788	94	7	=	=	PUNCT
fsr-3788	94	8	5.11	5.11	NUM
fsr-3788	94	9	,	,	PUNCT
fsr-3788	94	10	(	(	PUNCT
fsr-3788	94	11	1	1	NUM
fsr-3788	94	12	)	)	PUNCT
fsr-3788	94	13	(	(	PUNCT
fsr-3788	94	14	2	2	NUM
fsr-3788	94	15	)	)	PUNCT
fsr-3788	94	16	(	(	PUNCT
fsr-3788	94	17	3	3	X
fsr-3788	94	18	)	)	PUNCT
fsr-3788	94	19	where	where	SCONJ
fsr-3788	94	20	t	t	PROPN
fsr-3788	94	21	is	be	AUX
fsr-3788	94	22	the	the	DET
fsr-3788	94	23	number	number	NOUN
fsr-3788	94	24	of	of	ADP
fsr-3788	94	25	days	day	NOUN
fsr-3788	94	26	in	in	ADP
fsr-3788	94	27	the	the	DET
fsr-3788	94	28	deposit	deposit	NOUN
fsr-3788	94	29	.	.	PUNCT
fsr-3788	95	1	in	in	ADP
fsr-3788	95	2	this	this	DET
fsr-3788	95	3	case	case	NOUN
fsr-3788	95	4	,	,	PUNCT
fsr-3788	95	5	the	the	DET
fsr-3788	95	6	lower	low	ADJ
fsr-3788	95	7	early	early	ADJ
fsr-3788	95	8	withdrawal	withdrawal	NOUN
fsr-3788	95	9	pen	pen	PROPN
fsr-3788	95	10	alty	alty	PROPN
fsr-3788	95	11	benefits	benefit	VERB
fsr-3788	95	12	depositors	depositor	NOUN
fsr-3788	95	13	at	at	ADP
fsr-3788	95	14	an	an	DET
fsr-3788	95	15	ear	ear	NOUN
fsr-3788	95	16	of	of	ADP
fsr-3788	95	17	10	10	NUM
fsr-3788	95	18	basis	basis	NOUN
fsr-3788	95	19	points	point	NOUN
fsr-3788	95	20	per	per	ADP
fsr-3788	95	21	year	year	NOUN
fsr-3788	95	22	.	.	PUNCT
fsr-3788	96	1	a	a	DET
fsr-3788	96	2	similar	similar	ADJ
fsr-3788	96	3	analysis	analysis	NOUN
fsr-3788	96	4	could	could	AUX
fsr-3788	96	5	be	be	AUX
fsr-3788	96	6	conducted	conduct	VERB
fsr-3788	96	7	using	use	VERB
fsr-3788	96	8	apy	apy	NOUN
fsr-3788	96	9	.	.	PROPN
fsr-3788	97	1	based	base	VERB
fsr-3788	97	2	on	on	ADP
fsr-3788	97	3	the	the	DET
fsr-3788	97	4	data	datum	NOUN
fsr-3788	97	5	above	above	ADV
fsr-3788	97	6	,	,	PUNCT
fsr-3788	97	7	the	the	DET
fsr-3788	97	8	peri	peri	NOUN
fsr-3788	97	9	odic	odic	VERB
fsr-3788	97	10	apy	apy	PROPN
fsr-3788	97	11	(	(	PUNCT
fsr-3788	97	12	apyj	apyj	NOUN
fsr-3788	97	13	of	of	ADP
fsr-3788	97	14	the	the	DET
fsr-3788	97	15	regular	regular	ADJ
fsr-3788	97	16	cd	cd	NOUN
fsr-3788	97	17	would	would	AUX
fsr-3788	97	18	be	be	AUX
fsr-3788	97	19	expressed	express	VERB
fsr-3788	97	20	as	as	ADP
fsr-3788	97	21	:	:	PUNCT
fsr-3788	97	22	apyp	apyp	NOUN
fsr-3788	97	23	=	=	SYM
fsr-3788	97	24	(	(	PUNCT
fsr-3788	97	25	1	1	NUM
fsr-3788	97	26	+	+	CCONJ
fsr-3788	97	27	ear	ear	NOUN
fsr-3788	97	28	)	)	PUNCT
fsr-3788	97	29	“	"	PUNCT
fsr-3788	97	30	“	"	PUNCT
fsr-3788	97	31	,	,	PUNCT
fsr-3788	97	32	(	(	PUNCT
fsr-3788	97	33	4	4	X
fsr-3788	97	34	)	)	PUNCT
fsr-3788	97	35	where	where	SCONJ
fsr-3788	97	36	n	n	PRON
fsr-3788	97	37	is	be	AUX
fsr-3788	97	38	the	the	DET
fsr-3788	97	39	number	number	NOUN
fsr-3788	97	40	of	of	ADP
fsr-3788	97	41	compounding	compounding	NOUN
fsr-3788	97	42	periods	period	NOUN
fsr-3788	97	43	per	per	ADP
fsr-3788	97	44	year	year	NOUN
fsr-3788	97	45	.	.	PUNCT
fsr-3788	98	1	if	if	SCONJ
fsr-3788	98	2	we	we	PRON
fsr-3788	98	3	assume	assume	VERB
fsr-3788	98	4	quarterly	quarterly	ADJ
fsr-3788	98	5	com	com	NOUN
fsr-3788	98	6	pounding	pounding	NOUN
fsr-3788	98	7	,	,	PUNCT
fsr-3788	98	8	we	we	PRON
fsr-3788	98	9	have	have	VERB
fsr-3788	98	10	a	a	DET
fsr-3788	98	11	periodic	periodic	ADJ
fsr-3788	98	12	apy	apy	NOUN
fsr-3788	98	13	of	of	ADP
fsr-3788	98	14	:	:	PUNCT
fsr-3788	98	15	apyp	apyp	PROPN
fsr-3788	98	16	=	=	SYM
fsr-3788	98	17	(	(	PUNCT
fsr-3788	98	18	1	1	NUM
fsr-3788	98	19	+	+	NOUN
fsr-3788	98	20	0.05	0.05	NUM
fsr-3788	98	21	)	)	PUNCT
fsr-3788	98	22	‘	'	PUNCT
fsr-3788	98	23	”	"	PUNCT
fsr-3788	98	24	1	1	NUM
fsr-3788	98	25	=	=	SYM
fsr-3788	98	26	0.012272	0.012272	NUM
fsr-3788	98	27	=	=	SYM
fsr-3788	98	28	1.2272	1.2272	NUM
fsr-3788	98	29	%	%	NOUN
fsr-3788	98	30	.	.	PUNCT
fsr-3788	99	1	(	(	PUNCT
fsr-3788	99	2	5	5	X
fsr-3788	99	3	)	)	PUNCT
fsr-3788	99	4	the	the	DET
fsr-3788	99	5	annualized	annualize	VERB
fsr-3788	99	6	apy	apy	NOUN
fsr-3788	99	7	for	for	ADP
fsr-3788	99	8	the	the	DET
fsr-3788	99	9	standard	standard	ADJ
fsr-3788	99	10	cd	cd	PROPN
fsr-3788	99	11	(	(	PUNCT
fsr-3788	99	12	apy	apy	NOUN
fsr-3788	99	13	,	,	PUNCT
fsr-3788	99	14	)	)	PUNCT
fsr-3788	99	15	is	be	AUX
fsr-3788	99	16	:	:	PUNCT
fsr-3788	99	17	apy	apy	NOUN
fsr-3788	99	18	,	,	PUNCT
fsr-3788	99	19	=	=	NOUN
fsr-3788	99	20	0.012272	0.012272	NUM
fsr-3788	99	21	x	x	SYM
fsr-3788	99	22	n	n	NOUN
fsr-3788	99	23	=	=	SYM
fsr-3788	99	24	0.012272	0.012272	NUM
fsr-3788	99	25	x	x	SYM
fsr-3788	99	26	4	4	NUM
fsr-3788	99	27	=	=	SYM
fsr-3788	99	28	4.9089	4.9089	NUM
fsr-3788	99	29	%	%	NOUN
fsr-3788	99	30	.	.	PUNCT
fsr-3788	100	1	(	(	PUNCT
fsr-3788	100	2	6	6	NUM
fsr-3788	100	3	)	)	PUNCT
fsr-3788	100	4	for	for	ADP
fsr-3788	100	5	the	the	DET
fsr-3788	100	6	enhanced	enhanced	ADJ
fsr-3788	100	7	cd	cd	PROPN
fsr-3788	100	8	,	,	PUNCT
fsr-3788	100	9	we	we	PRON
fsr-3788	100	10	have	have	VERB
fsr-3788	100	11	:	:	PUNCT
fsr-3788	100	12	apy	apy	NOUN
fsr-3788	100	13	,	,	PUNCT
fsr-3788	100	14	,	,	PUNCT
fsr-3788	100	15	=	=	PUNCT
fsr-3788	100	16	apy	apy	NOUN
fsr-3788	100	17	,	,	PUNCT
fsr-3788	100	18	=	=	SYM
fsr-3788	100	19	100~.049089+{~-l}x($	100~.049089+{~-l}x($	NOUN
fsr-3788	100	20	]	]	X
fsr-3788	100	21	=	=	PUNCT
fsr-3788	100	22	5.0089	5.0089	NUM
fsr-3788	100	23	%	%	NOUN
fsr-3788	100	24	.	.	PUNCT
fsr-3788	101	1	(	(	PUNCT
fsr-3788	101	2	7	7	X
fsr-3788	101	3	)	)	PUNCT
fsr-3788	101	4	the	the	DET
fsr-3788	101	5	ear	ear	NOUN
fsr-3788	101	6	”	"	PUNCT
fsr-3788	101	7	is	be	AUX
fsr-3788	101	8	equal	equal	ADJ
fsr-3788	101	9	to	to	ADP
fsr-3788	101	10	the	the	DET
fsr-3788	101	11	standard	standard	ADJ
fsr-3788	101	12	ear	ear	NOUN
fsr-3788	101	13	plus	plus	CCONJ
fsr-3788	101	14	an	an	DET
fsr-3788	101	15	adjustment	adjustment	NOUN
fsr-3788	101	16	reflecting	reflect	VERB
fsr-3788	101	17	the	the	DET
fsr-3788	101	18	added	add	VERB
fsr-3788	101	19	value	value	NOUN
fsr-3788	101	20	of	of	ADP
fsr-3788	101	21	the	the	DET
fsr-3788	101	22	embedded	embed	VERB
fsr-3788	101	23	options	option	NOUN
fsr-3788	101	24	.	.	PUNCT
fsr-3788	102	1	hence	hence	ADV
fsr-3788	102	2	,	,	PUNCT
fsr-3788	102	3	there	there	PRON
fsr-3788	102	4	are	be	VERB
fsr-3788	102	5	two	two	NUM
fsr-3788	102	6	factors	factor	NOUN
fsr-3788	102	7	impacting	impact	VERB
fsr-3788	102	8	ear	ear	NOUN
fsr-3788	102	9	,	,	PUNCT
fsr-3788	102	10	the	the	DET
fsr-3788	102	11	current	current	ADJ
fsr-3788	102	12	cd	cd	NOUN
fsr-3788	102	13	rate	rate	NOUN
fsr-3788	102	14	reflected	reflect	VERB
fsr-3788	102	15	in	in	ADP
fsr-3788	102	16	ears	ear	NOUN
fsr-3788	102	17	,	,	PUNCT
fsr-3788	102	18	plus	plus	CCONJ
fsr-3788	102	19	the	the	DET
fsr-3788	102	20	value	value	NOUN
fsr-3788	102	21	of	of	ADP
fsr-3788	102	22	the	the	DET
fsr-3788	102	23	embedded	embed	VERB
fsr-3788	102	24	option	option	NOUN
fsr-3788	102	25	.	.	PUNCT
fsr-3788	103	1	this	this	DET
fsr-3788	103	2	additional	additional	ADJ
fsr-3788	103	3	factor	factor	NOUN
fsr-3788	103	4	causes	cause	VERB
fsr-3788	103	5	some	some	DET
fsr-3788	103	6	standard	standard	ADJ
fsr-3788	103	7	pricing	pricing	NOUN
fsr-3788	103	8	relationships	relationship	NOUN
fsr-3788	103	9	to	to	PART
fsr-3788	103	10	no	no	ADV
fsr-3788	103	11	longer	long	ADV
fsr-3788	103	12	hold	hold	VERB
fsr-3788	103	13	.	.	PUNCT
fsr-3788	104	1	for	for	ADP
fsr-3788	104	2	example	example	NOUN
fsr-3788	104	3	,	,	PUNCT
fsr-3788	104	4	we	we	PRON
fsr-3788	104	5	could	could	AUX
fsr-3788	104	6	observe	observe	VERB
fsr-3788	104	7	a	a	DET
fsr-3788	104	8	higher	high	ADJ
fsr-3788	104	9	em	em	PRON
fsr-3788	104	10	,	,	PUNCT
fsr-3788	104	11	,	,	PUNCT
fsr-3788	104	12	and	and	CCONJ
fsr-3788	104	13	a	a	DET
fsr-3788	104	14	higher	high	ADJ
fsr-3788	104	15	market	market	NOUN
fsr-3788	104	16	value	value	NOUN
fsr-3788	104	17	of	of	ADP
fsr-3788	104	18	the	the	DET
fsr-3788	104	19	enhanced	enhanced	ADJ
fsr-3788	104	20	product	product	NOUN
fsr-3788	104	21	(	(	PUNCT
fsr-3788	104	22	encdvulue	encdvulue	NOUN
fsr-3788	104	23	)	)	PUNCT
fsr-3788	104	24	,	,	PUNCT
fsr-3788	104	25	due	due	ADP
fsr-3788	104	26	to	to	ADP
fsr-3788	104	27	increased	increase	VERB
fsr-3788	104	28	volatility	volatility	NOUN
fsr-3788	104	29	in	in	ADP
fsr-3788	104	30	the	the	DET
fsr-3788	104	31	market	market	NOUN
fsr-3788	104	32	.	.	PUNCT
fsr-3788	105	1	36	36	NUM
fsr-3788	105	2	financial	financial	ADJ
fsr-3788	105	3	services	service	NOUN
fsr-3788	105	4	review	review	VERB
fsr-3788	105	5	5	5	NUM
fsr-3788	105	6	(	(	PUNCT
fsr-3788	105	7	1	1	NUM
fsr-3788	105	8	)	)	PUNCT
fsr-3788	105	9	1996	1996	NUM
fsr-3788	105	10	we	we	PRON
fsr-3788	105	11	turn	turn	VERB
fsr-3788	105	12	now	now	ADV
fsr-3788	105	13	to	to	PART
fsr-3788	105	14	examine	examine	VERB
fsr-3788	105	15	some	some	PRON
fsr-3788	105	16	of	of	ADP
fsr-3788	105	17	the	the	DET
fsr-3788	105	18	general	general	ADJ
fsr-3788	105	19	implications	implication	NOUN
fsr-3788	105	20	of	of	ADP
fsr-3788	105	21	this	this	DET
fsr-3788	105	22	model	model	NOUN
fsr-3788	105	23	.	.	PUNCT
fsr-3788	106	1	iv	iv	X
fsr-3788	106	2	.	.	PUNCT
fsr-3788	106	3	cd	cd	PROPN
fsr-3788	106	4	valuation	valuation	PROPN
fsr-3788	106	5	model	model	NOUN
fsr-3788	106	6	implications	implication	NOUN
fsr-3788	106	7	in	in	ADP
fsr-3788	106	8	the	the	DET
fsr-3788	106	9	examples	example	NOUN
fsr-3788	106	10	and	and	CCONJ
fsr-3788	106	11	illustrations	illustration	NOUN
fsr-3788	106	12	that	that	PRON
fsr-3788	106	13	follow	follow	VERB
fsr-3788	107	1	,	,	PUNCT
fsr-3788	107	2	we	we	PRON
fsr-3788	107	3	assume	assume	VERB
fsr-3788	107	4	a	a	DET
fsr-3788	107	5	5	5	NUM
fsr-3788	107	6	%	%	NOUN
fsr-3788	107	7	flat	flat	ADJ
fsr-3788	107	8	term	term	NOUN
fsr-3788	107	9	structure	structure	NOUN
fsr-3788	107	10	.	.	PUNCT
fsr-3788	108	1	the	the	DET
fsr-3788	108	2	recombining	recombining	ADJ
fsr-3788	108	3	binomial	binomial	ADJ
fsr-3788	108	4	lattice	lattice	NOUN
fsr-3788	108	5	used	use	VERB
fsr-3788	108	6	here	here	ADV
fsr-3788	108	7	is	be	AUX
fsr-3788	108	8	easily	easily	ADV
fsr-3788	108	9	adapted	adapt	VERB
fsr-3788	108	10	to	to	ADP
fsr-3788	108	11	nonflat	nonflat	NOUN
fsr-3788	108	12	term	term	NOUN
fsr-3788	108	13	structures	structure	NOUN
fsr-3788	108	14	.	.	PUNCT
fsr-3788	109	1	thus	thus	ADV
fsr-3788	109	2	,	,	PUNCT
fsr-3788	109	3	fixed	fix	VERB
fsr-3788	109	4	-	-	PUNCT
fsr-3788	109	5	rate	rate	NOUN
fsr-3788	109	6	cds	cd	NOUN
fsr-3788	109	7	with	with	ADP
fsr-3788	109	8	large	large	ADJ
fsr-3788	109	9	early	early	ADJ
fsr-3788	109	10	withdrawal	withdrawal	NOUN
fsr-3788	109	11	penalties	penalty	NOUN
fsr-3788	109	12	and	and	CCONJ
fsr-3788	109	13	floating	float	VERB
fsr-3788	109	14	-	-	PUNCT
fsr-3788	109	15	rate	rate	NOUN
fsr-3788	109	16	cds	cd	NOUN
fsr-3788	109	17	with	with	ADP
fsr-3788	109	18	no	no	DET
fsr-3788	109	19	floors	floor	NOUN
fsr-3788	109	20	or	or	CCONJ
fsr-3788	109	21	caps	cap	NOUN
fsr-3788	109	22	will	will	AUX
fsr-3788	109	23	both	both	PRON
fsr-3788	109	24	be	be	AUX
fsr-3788	109	25	valued	value	VERB
fsr-3788	109	26	at	at	ADP
fsr-3788	109	27	par	par	NOUN
fsr-3788	109	28	.	.	PUNCT
fsr-3788	110	1	suppose	suppose	VERB
fsr-3788	110	2	yield	yield	NOUN
fsr-3788	110	3	volatility	volatility	NOUN
fsr-3788	110	4	is	be	AUX
fsr-3788	110	5	known	know	VERB
fsr-3788	110	6	to	to	PART
fsr-3788	110	7	be	be	AUX
fsr-3788	110	8	15	15	NUM
fsr-3788	110	9	%	%	NOUN
fsr-3788	110	10	.	.	PUNCT
fsr-3788	111	1	how	how	SCONJ
fsr-3788	111	2	could	could	AUX
fsr-3788	111	3	we	we	PRON
fsr-3788	111	4	compare	compare	VERB
fsr-3788	111	5	the	the	DET
fsr-3788	111	6	following	follow	VERB
fsr-3788	111	7	two	two	NUM
fsr-3788	111	8	-	-	PUNCT
fsr-3788	111	9	year	year	NOUN
fsr-3788	111	10	cd	cd	NOUN
fsr-3788	111	11	products	product	NOUN
fsr-3788	111	12	?	?	PUNCT
fsr-3788	112	1	a	a	DET
fsr-3788	112	2	)	)	PUNCT
fsr-3788	112	3	standard	standard	ADJ
fsr-3788	112	4	fixed	fix	VERB
fsr-3788	112	5	-	-	PUNCT
fsr-3788	112	6	rate	rate	NOUN
fsr-3788	112	7	cd	cd	NOUN
fsr-3788	112	8	(	(	PUNCT
fsr-3788	112	9	large	large	ADJ
fsr-3788	112	10	early	early	ADJ
fsr-3788	112	11	withdrawal	withdrawal	NOUN
fsr-3788	112	12	penalty	penalty	NOUN
fsr-3788	112	13	)	)	PUNCT
fsr-3788	112	14	b	b	X
fsr-3788	112	15	)	)	PUNCT
fsr-3788	112	16	standard	standard	ADJ
fsr-3788	112	17	floating	float	VERB
fsr-3788	112	18	-	-	PUNCT
fsr-3788	112	19	rate	rate	NOUN
fsr-3788	112	20	cd	cd	NOUN
fsr-3788	112	21	(	(	PUNCT
fsr-3788	112	22	no	no	DET
fsr-3788	112	23	floor	floor	NOUN
fsr-3788	112	24	or	or	CCONJ
fsr-3788	112	25	cap	cap	NOUN
fsr-3788	112	26	)	)	PUNCT
fsr-3788	112	27	c	c	NOUN
fsr-3788	112	28	)	)	PUNCT
fsr-3788	112	29	enhanced	enhance	VERB
fsr-3788	112	30	fixed	fix	VERB
fsr-3788	112	31	-	-	PUNCT
fsr-3788	112	32	rate	rate	NOUN
fsr-3788	112	33	cd	cd	NOUN
fsr-3788	112	34	(	(	PUNCT
fsr-3788	112	35	only	only	ADV
fsr-3788	112	36	7	7	NUM
fsr-3788	112	37	-	-	PUNCT
fsr-3788	112	38	day	day	NOUN
fsr-3788	112	39	early	early	ADJ
fsr-3788	112	40	withdrawal	withdrawal	NOUN
fsr-3788	112	41	penalty	penalty	NOUN
fsr-3788	112	42	)	)	PUNCT
fsr-3788	113	1	d	d	X
fsr-3788	113	2	)	)	PUNCT
fsr-3788	113	3	enhanced	enhance	VERB
fsr-3788	113	4	floating	float	VERB
fsr-3788	113	5	-	-	PUNCT
fsr-3788	113	6	rate	rate	NOUN
fsr-3788	113	7	cd	cd	NOUN
fsr-3788	113	8	(	(	PUNCT
fsr-3788	113	9	a	a	DET
fsr-3788	113	10	guaranteed	guarantee	VERB
fsr-3788	113	11	5	5	NUM
fsr-3788	113	12	%	%	NOUN
fsr-3788	113	13	ear	ear	NOUN
fsr-3788	113	14	floor	floor	NOUN
fsr-3788	113	15	)	)	PUNCT
fsr-3788	113	16	clearly	clearly	ADV
fsr-3788	113	17	,	,	PUNCT
fsr-3788	113	18	product	product	NOUN
fsr-3788	113	19	c	c	NOUN
fsr-3788	113	20	is	be	AUX
fsr-3788	113	21	preferable	preferable	ADJ
fsr-3788	113	22	to	to	ADP
fsr-3788	113	23	a	a	PRON
fsr-3788	113	24	because	because	SCONJ
fsr-3788	113	25	of	of	ADP
fsr-3788	113	26	the	the	DET
fsr-3788	113	27	limited	limited	ADJ
fsr-3788	113	28	early	early	ADJ
fsr-3788	113	29	withdrawal	withdrawal	NOUN
fsr-3788	113	30	penalty	penalty	NOUN
fsr-3788	113	31	and	and	CCONJ
fsr-3788	113	32	product	product	NOUN
fsr-3788	113	33	d	d	NOUN
fsr-3788	113	34	is	be	AUX
fsr-3788	113	35	preferable	preferable	ADJ
fsr-3788	113	36	to	to	ADP
fsr-3788	113	37	b	b	NOUN
fsr-3788	113	38	because	because	SCONJ
fsr-3788	113	39	of	of	ADP
fsr-3788	113	40	the	the	DET
fsr-3788	113	41	guaranteed	guarantee	VERB
fsr-3788	113	42	floor	floor	NOUN
fsr-3788	113	43	rate	rate	NOUN
fsr-3788	113	44	.	.	PUNCT
fsr-3788	114	1	thus	thus	ADV
fsr-3788	114	2	,	,	PUNCT
fsr-3788	114	3	we	we	PRON
fsr-3788	114	4	know	know	VERB
fsr-3788	114	5	the	the	DET
fsr-3788	114	6	ear	ear	NOUN
fsr-3788	114	7	will	will	AUX
fsr-3788	114	8	be	be	AUX
fsr-3788	114	9	higher	high	ADJ
fsr-3788	114	10	for	for	ADP
fsr-3788	114	11	products	product	NOUN
fsr-3788	114	12	c	c	PROPN
fsr-3788	114	13	and	and	CCONJ
fsr-3788	114	14	d.	d.	PROPN
fsr-3788	114	15	what	what	PRON
fsr-3788	114	16	is	be	AUX
fsr-3788	114	17	less	less	ADV
fsr-3788	114	18	clear	clear	ADJ
fsr-3788	114	19	is	be	AUX
fsr-3788	114	20	the	the	DET
fsr-3788	114	21	comparability	comparability	NOUN
fsr-3788	114	22	of	of	ADP
fsr-3788	114	23	prod	prod	NOUN
fsr-3788	114	24	ucts	uct	NOUN
fsr-3788	114	25	c	c	PROPN
fsr-3788	114	26	and	and	CCONJ
fsr-3788	114	27	d.	d.	PROPN
fsr-3788	114	28	some	some	DET
fsr-3788	114	29	depositors	depositor	NOUN
fsr-3788	114	30	will	will	AUX
fsr-3788	114	31	have	have	VERB
fsr-3788	114	32	a	a	DET
fsr-3788	114	33	strong	strong	ADJ
fsr-3788	114	34	preference	preference	NOUN
fsr-3788	114	35	for	for	ADP
fsr-3788	114	36	c	c	PROPN
fsr-3788	114	37	and	and	CCONJ
fsr-3788	114	38	others	other	NOUN
fsr-3788	114	39	for	for	ADP
fsr-3788	114	40	d	d	PROPN
fsr-3788	114	41	depend	depend	VERB
fsr-3788	114	42	ing	ing	NOUN
fsr-3788	114	43	in	in	ADP
fsr-3788	114	44	part	part	NOUN
fsr-3788	114	45	on	on	ADP
fsr-3788	114	46	depositors	depositor	NOUN
fsr-3788	114	47	’	'	PUNCT
fsr-3788	114	48	perceived	perceive	VERB
fsr-3788	114	49	liquidity	liquidity	NOUN
fsr-3788	114	50	needs	need	NOUN
fsr-3788	114	51	and	and	CCONJ
fsr-3788	114	52	expectations	expectation	NOUN
fsr-3788	114	53	regarding	regard	VERB
fsr-3788	114	54	future	future	ADJ
fsr-3788	114	55	interest	interest	NOUN
fsr-3788	114	56	rates	rate	NOUN
fsr-3788	114	57	.	.	PUNCT
fsr-3788	115	1	using	use	VERB
fsr-3788	115	2	the	the	DET
fsr-3788	115	3	binomial	binomial	ADJ
fsr-3788	115	4	approach	approach	NOUN
fsr-3788	115	5	to	to	ADP
fsr-3788	115	6	valuation	valuation	NOUN
fsr-3788	115	7	,	,	PUNCT
fsr-3788	115	8	we	we	PRON
fsr-3788	115	9	find	find	VERB
fsr-3788	115	10	the	the	DET
fsr-3788	115	11	ear	ear	NOUN
fsr-3788	115	12	of	of	ADP
fsr-3788	115	13	both	both	DET
fsr-3788	115	14	c	c	PROPN
fsr-3788	115	15	and	and	CCONJ
fsr-3788	115	16	d	d	X
fsr-3788	115	17	to	to	PART
fsr-3788	115	18	be	be	AUX
fsr-3788	115	19	approximately	approximately	ADV
fsr-3788	115	20	equal	equal	ADJ
fsr-3788	115	21	at	at	ADP
fsr-3788	115	22	5.24	5.24	NUM
fsr-3788	115	23	%	%	NOUN
fsr-3788	115	24	.	.	PUNCT
fsr-3788	116	1	hence	hence	ADV
fsr-3788	116	2	,	,	PUNCT
fsr-3788	116	3	the	the	DET
fsr-3788	116	4	ability	ability	NOUN
fsr-3788	116	5	to	to	PART
fsr-3788	116	6	put	put	VERB
fsr-3788	116	7	back	back	ADP
fsr-3788	116	8	a	a	DET
fsr-3788	116	9	fixed	fix	VERB
fsr-3788	116	10	-	-	PUNCT
fsr-3788	116	11	rate	rate	NOUN
fsr-3788	116	12	cd	cd	NOUN
fsr-3788	116	13	with	with	ADP
fsr-3788	116	14	only	only	ADV
fsr-3788	116	15	a	a	DET
fsr-3788	116	16	seven	seven	NUM
fsr-3788	116	17	-	-	PUNCT
fsr-3788	116	18	day	day	NOUN
fsr-3788	116	19	penalty	penalty	NOUN
fsr-3788	116	20	is	be	AUX
fsr-3788	116	21	roughly	roughly	ADV
fsr-3788	116	22	equivalent	equivalent	ADJ
fsr-3788	116	23	to	to	ADP
fsr-3788	116	24	holding	hold	VERB
fsr-3788	116	25	a	a	DET
fsr-3788	116	26	floating	float	VERB
fsr-3788	116	27	-	-	PUNCT
fsr-3788	116	28	rate	rate	NOUN
fsr-3788	116	29	cd	cd	NOUN
fsr-3788	116	30	with	with	ADP
fsr-3788	116	31	a	a	DET
fsr-3788	116	32	guar	guar	ADJ
fsr-3788	116	33	anteed	anteed	NOUN
fsr-3788	116	34	floor	floor	NOUN
fsr-3788	116	35	of	of	ADP
fsr-3788	116	36	5	5	NUM
fsr-3788	116	37	%	%	NOUN
fsr-3788	116	38	.	.	PUNCT
fsr-3788	117	1	these	these	DET
fsr-3788	117	2	enhanced	enhance	VERB
fsr-3788	117	3	features	feature	NOUN
fsr-3788	117	4	are	be	AUX
fsr-3788	117	5	worth	worth	ADJ
fsr-3788	117	6	roughly	roughly	ADV
fsr-3788	117	7	24	24	NUM
fsr-3788	117	8	basis	basis	NOUN
fsr-3788	117	9	points	point	NOUN
fsr-3788	117	10	each	each	PRON
fsr-3788	117	11	.	.	PUNCT
fsr-3788	118	1	it	it	PRON
fsr-3788	118	2	is	be	AUX
fsr-3788	118	3	important	important	ADJ
fsr-3788	118	4	to	to	PART
fsr-3788	118	5	emphasize	emphasize	VERB
fsr-3788	118	6	that	that	SCONJ
fsr-3788	118	7	the	the	DET
fsr-3788	118	8	individual	individual	ADJ
fsr-3788	118	9	depositor	depositor	NOUN
fsr-3788	118	10	will	will	AUX
fsr-3788	118	11	select	select	VERB
fsr-3788	118	12	from	from	ADP
fsr-3788	118	13	these	these	DET
fsr-3788	118	14	prod	prod	NOUN
fsr-3788	118	15	ucts	uct	NOUN
fsr-3788	118	16	based	base	VERB
fsr-3788	118	17	on	on	ADP
fsr-3788	118	18	their	their	PRON
fsr-3788	118	19	own	own	ADJ
fsr-3788	118	20	preferences	preference	NOUN
fsr-3788	118	21	.	.	PUNCT
fsr-3788	119	1	thus	thus	ADV
fsr-3788	119	2	,	,	PUNCT
fsr-3788	119	3	the	the	DET
fsr-3788	119	4	depositors	depositor	NOUN
fsr-3788	119	5	will	will	AUX
fsr-3788	119	6	select	select	VERB
fsr-3788	119	7	a	a	DET
fsr-3788	119	8	pure	pure	ADJ
fsr-3788	119	9	floating	float	VERB
fsr-3788	119	10	-	-	PUNCT
fsr-3788	119	11	rate	rate	NOUN
fsr-3788	119	12	cd	cd	NOUN
fsr-3788	119	13	if	if	SCONJ
fsr-3788	119	14	they	they	PRON
fsr-3788	119	15	have	have	VERB
fsr-3788	119	16	a	a	DET
fsr-3788	119	17	strong	strong	ADJ
fsr-3788	119	18	view	view	NOUN
fsr-3788	119	19	that	that	SCONJ
fsr-3788	119	20	interest	interest	NOUN
fsr-3788	119	21	rates	rate	NOUN
fsr-3788	119	22	are	be	AUX
fsr-3788	119	23	going	go	VERB
fsr-3788	119	24	to	to	PART
fsr-3788	119	25	rise	rise	VERB
fsr-3788	119	26	.	.	PUNCT
fsr-3788	120	1	uncertainty	uncertainty	NOUN
fsr-3788	120	2	regarding	regard	VERB
fsr-3788	120	3	this	this	DET
fsr-3788	120	4	view	view	NOUN
fsr-3788	120	5	will	will	AUX
fsr-3788	120	6	perhaps	perhaps	ADV
fsr-3788	120	7	drive	drive	VERB
fsr-3788	120	8	depositors	depositor	NOUN
fsr-3788	120	9	to	to	PART
fsr-3788	120	10	prefer	prefer	VERB
fsr-3788	120	11	a	a	DET
fsr-3788	120	12	floating	float	VERB
fsr-3788	120	13	-	-	PUNCT
fsr-3788	120	14	rate	rate	NOUN
fsr-3788	120	15	cd	cd	NOUN
fsr-3788	120	16	with	with	ADP
fsr-3788	120	17	a	a	DET
fsr-3788	120	18	floor	floor	NOUN
fsr-3788	120	19	.	.	PUNCT
fsr-3788	121	1	similarly	similarly	ADV
fsr-3788	121	2	,	,	PUNCT
fsr-3788	121	3	a	a	DET
fsr-3788	121	4	depositor	depositor	NOUN
fsr-3788	121	5	with	with	ADP
fsr-3788	121	6	no	no	DET
fsr-3788	121	7	liquidity	liquidity	NOUN
fsr-3788	121	8	needs	need	NOUN
fsr-3788	121	9	and	and	CCONJ
fsr-3788	121	10	a	a	DET
fsr-3788	121	11	strong	strong	ADJ
fsr-3788	121	12	preference	preference	NOUN
fsr-3788	121	13	for	for	ADP
fsr-3788	121	14	a	a	DET
fsr-3788	121	15	fixed	fix	VERB
fsr-3788	121	16	rate	rate	NOUN
fsr-3788	121	17	would	would	AUX
fsr-3788	121	18	select	select	VERB
fsr-3788	121	19	a	a	DET
fsr-3788	121	20	fixed	fix	VERB
fsr-3788	121	21	-	-	PUNCT
fsr-3788	121	22	rate	rate	NOUN
fsr-3788	121	23	cd	cd	NOUN
fsr-3788	121	24	with	with	ADP
fsr-3788	121	25	heavy	heavy	ADJ
fsr-3788	121	26	early	early	ADJ
fsr-3788	121	27	withdrawal	withdrawal	NOUN
fsr-3788	121	28	penalties	penalty	NOUN
fsr-3788	121	29	.	.	PUNCT
fsr-3788	122	1	however	however	ADV
fsr-3788	122	2	,	,	PUNCT
fsr-3788	122	3	a	a	DET
fsr-3788	122	4	fixed	fix	VERB
fsr-3788	122	5	-	-	PUNCT
fsr-3788	122	6	rate	rate	NOUN
fsr-3788	122	7	depositor	depositor	NOUN
fsr-3788	122	8	with	with	ADP
fsr-3788	122	9	some	some	DET
fsr-3788	122	10	liquidity	liquidity	NOUN
fsr-3788	122	11	needs	need	NOUN
fsr-3788	122	12	may	may	AUX
fsr-3788	122	13	select	select	VERB
fsr-3788	122	14	a	a	DET
fsr-3788	122	15	fixed	fix	VERB
fsr-3788	122	16	-	-	PUNCT
fsr-3788	122	17	rate	rate	NOUN
fsr-3788	122	18	cd	cd	NOUN
fsr-3788	122	19	with	with	ADP
fsr-3788	122	20	limited	limited	ADJ
fsr-3788	122	21	early	early	ADJ
fsr-3788	122	22	withdrawal	withdrawal	NOUN
fsr-3788	122	23	penalties	penalty	NOUN
fsr-3788	122	24	.	.	PUNCT
fsr-3788	123	1	figure	figure	NOUN
fsr-3788	123	2	la	la	NOUN
fsr-3788	123	3	illustrates	illustrate	NOUN
fsr-3788	123	4	in	in	ADP
fsr-3788	123	5	basis	basis	NOUN
fsr-3788	123	6	points	point	NOUN
fsr-3788	123	7	the	the	DET
fsr-3788	123	8	additional	additional	ADJ
fsr-3788	123	9	value	value	NOUN
fsr-3788	123	10	of	of	ADP
fsr-3788	123	11	reducing	reduce	VERB
fsr-3788	123	12	the	the	DET
fsr-3788	123	13	early	early	ADJ
fsr-3788	123	14	with	with	ADP
fsr-3788	123	15	drawal	drawal	NOUN
fsr-3788	123	16	penalty	penalty	NOUN
fsr-3788	123	17	on	on	ADP
fsr-3788	123	18	fixed	fix	VERB
fsr-3788	123	19	-	-	PUNCT
fsr-3788	123	20	rate	rate	NOUN
fsr-3788	123	21	,	,	PUNCT
fsr-3788	123	22	one	one	NUM
fsr-3788	123	23	-	-	PUNCT
fsr-3788	123	24	year	year	NOUN
fsr-3788	123	25	cds	cd	NOUN
fsr-3788	123	26	under	under	ADP
fsr-3788	123	27	various	various	ADJ
fsr-3788	123	28	volatility	volatility	NOUN
fsr-3788	123	29	assumptions	assumption	NOUN
fsr-3788	123	30	.	.	PUNCT
fsr-3788	124	1	the	the	PRON
fsr-3788	124	2	lower	low	ADJ
fsr-3788	124	3	the	the	DET
fsr-3788	124	4	early	early	ADJ
fsr-3788	124	5	withdrawal	withdrawal	NOUN
fsr-3788	124	6	penalty	penalty	NOUN
fsr-3788	124	7	,	,	PUNCT
fsr-3788	124	8	the	the	PRON
fsr-3788	124	9	greater	great	ADJ
fsr-3788	124	10	the	the	DET
fsr-3788	124	11	value	value	NOUN
fsr-3788	124	12	in	in	ADP
fsr-3788	124	13	basis	basis	NOUN
fsr-3788	124	14	points	point	NOUN
fsr-3788	124	15	.	.	PUNCT
fsr-3788	125	1	also	also	ADV
fsr-3788	125	2	,	,	PUNCT
fsr-3788	125	3	the	the	PRON
fsr-3788	125	4	higher	high	ADJ
fsr-3788	125	5	the	the	DET
fsr-3788	125	6	volatility	volatility	NOUN
fsr-3788	125	7	,	,	PUNCT
fsr-3788	125	8	the	the	PRON
fsr-3788	125	9	greater	great	ADJ
fsr-3788	125	10	the	the	DET
fsr-3788	125	11	value	value	NOUN
fsr-3788	125	12	in	in	ADP
fsr-3788	125	13	basis	basis	NOUN
fsr-3788	125	14	points	point	NOUN
fsr-3788	125	15	.	.	PUNCT
fsr-3788	126	1	figure	figure	NOUN
fsr-3788	126	2	lb	lb	PRON
fsr-3788	126	3	illustrates	illustrate	VERB
fsr-3788	126	4	the	the	DET
fsr-3788	126	5	same	same	ADJ
fsr-3788	126	6	pattern	pattern	NOUN
fsr-3788	126	7	with	with	ADP
fsr-3788	126	8	greater	great	ADJ
fsr-3788	126	9	magnitude	magnitude	NOUN
fsr-3788	126	10	for	for	ADP
fsr-3788	126	11	two	two	NUM
fsr-3788	126	12	-	-	PUNCT
fsr-3788	126	13	year	year	NOUN
fsr-3788	126	14	cds	cd	NOUN
fsr-3788	126	15	.	.	PUNCT
fsr-3788	127	1	thus	thus	ADV
fsr-3788	127	2	,	,	PUNCT
fsr-3788	127	3	a	a	DET
fsr-3788	127	4	depositor	depositor	NOUN
fsr-3788	127	5	seeking	seek	VERB
fsr-3788	127	6	to	to	PART
fsr-3788	127	7	reduce	reduce	VERB
fsr-3788	127	8	the	the	DET
fsr-3788	127	9	early	early	ADJ
fsr-3788	127	10	withdrawal	withdrawal	NOUN
fsr-3788	127	11	penalty	penalty	NOUN
fsr-3788	127	12	must	must	AUX
fsr-3788	127	13	be	be	AUX
fsr-3788	127	14	willing	willing	ADJ
fsr-3788	127	15	to	to	PART
fsr-3788	127	16	pay	pay	VERB
fsr-3788	127	17	the	the	DET
fsr-3788	127	18	increased	increase	VERB
fsr-3788	127	19	embedded	embed	VERB
fsr-3788	127	20	option	option	NOUN
fsr-3788	127	21	value	value	NOUN
fsr-3788	127	22	.	.	PUNCT
fsr-3788	128	1	specifi	specifi	PROPN
fsr-3788	128	2	cally	cally	ADV
fsr-3788	128	3	,	,	PUNCT
fsr-3788	128	4	they	they	PRON
fsr-3788	128	5	must	must	AUX
fsr-3788	128	6	be	be	AUX
fsr-3788	128	7	willing	willing	ADJ
fsr-3788	128	8	to	to	PART
fsr-3788	128	9	accept	accept	VERB
fsr-3788	128	10	a	a	DET
fsr-3788	128	11	lower	low	ADJ
fsr-3788	128	12	stated	state	VERB
fsr-3788	128	13	rate	rate	NOUN
fsr-3788	128	14	.	.	PUNCT
fsr-3788	129	1	figure	figure	NOUN
fsr-3788	129	2	2a	2a	PROPN
fsr-3788	129	3	illustrates	illustrate	VERB
fsr-3788	129	4	in	in	ADP
fsr-3788	129	5	basis	basis	NOUN
fsr-3788	129	6	points	point	NOUN
fsr-3788	129	7	the	the	DET
fsr-3788	129	8	additional	additional	ADJ
fsr-3788	129	9	value	value	NOUN
fsr-3788	129	10	of	of	ADP
fsr-3788	129	11	providing	provide	VERB
fsr-3788	129	12	guaranteed	guarantee	VERB
fsr-3788	129	13	floors	floor	NOUN
fsr-3788	129	14	on	on	ADP
fsr-3788	129	15	floating	float	VERB
fsr-3788	129	16	rate	rate	NOUN
fsr-3788	129	17	,	,	PUNCT
fsr-3788	129	18	one	one	NUM
fsr-3788	129	19	-	-	PUNCT
fsr-3788	129	20	year	year	NOUN
fsr-3788	129	21	cds	cd	NOUN
fsr-3788	129	22	.	.	PUNCT
fsr-3788	130	1	we	we	PRON
fsr-3788	130	2	see	see	VERB
fsr-3788	130	3	tbe	tbe	VERB
fsr-3788	130	4	higher	high	ADJ
fsr-3788	130	5	the	the	DET
fsr-3788	130	6	guaranteed	guarantee	VERB
fsr-3788	130	7	floor	floor	NOUN
fsr-3788	130	8	,	,	PUNCT
fsr-3788	130	9	the	the	PRON
fsr-3788	130	10	greater	great	ADJ
fsr-3788	130	11	the	the	DET
fsr-3788	130	12	value	value	NOUN
fsr-3788	130	13	in	in	ADP
fsr-3788	130	14	basis	basis	NOUN
fsr-3788	130	15	points	point	NOUN
fsr-3788	130	16	.	.	PUNCT
fsr-3788	131	1	higher	high	ADJ
fsr-3788	131	2	volatility	volatility	NOUN
fsr-3788	131	3	makes	make	VERB
fsr-3788	131	4	the	the	DET
fsr-3788	131	5	impact	impact	NOUN
fsr-3788	131	6	of	of	ADP
fsr-3788	131	7	a	a	DET
fsr-3788	131	8	floor	floor	NOUN
fsr-3788	131	9	even	even	ADV
fsr-3788	131	10	greater	great	ADJ
fsr-3788	131	11	.	.	PUNCT
fsr-3788	132	1	figure	figure	NOUN
fsr-3788	132	2	2b	2b	NUM
fsr-3788	132	3	illus	illus	ADJ
fsr-3788	132	4	trates	trate	NOUN
fsr-3788	132	5	that	that	PRON
fsr-3788	132	6	for	for	ADP
fsr-3788	132	7	two	two	NUM
fsr-3788	132	8	-	-	PUNCT
fsr-3788	132	9	year	year	NOUN
fsr-3788	132	10	cd	cd	NOUN
fsr-3788	132	11	products	product	NOUN
fsr-3788	132	12	the	the	DET
fsr-3788	132	13	value	value	NOUN
fsr-3788	132	14	of	of	ADP
fsr-3788	132	15	the	the	DET
fsr-3788	132	16	floor	floor	NOUN
fsr-3788	132	17	is	be	AUX
fsr-3788	132	18	even	even	ADV
fsr-3788	132	19	greater	great	ADJ
fsr-3788	132	20	(	(	PUNCT
fsr-3788	132	21	but	but	CCONJ
fsr-3788	132	22	clearly	clearly	ADV
fsr-3788	132	23	the	the	DET
fsr-3788	132	24	value	value	NOUN
fsr-3788	132	25	is	be	AUX
fsr-3788	132	26	not	not	PART
fsr-3788	132	27	double	double	ADJ
fsr-3788	132	28	)	)	PUNCT
fsr-3788	132	29	.	.	PUNCT
fsr-3788	133	1	y	y	PROPN
fsr-3788	133	2	38	38	NUM
fsr-3788	133	3	financial	financial	ADJ
fsr-3788	133	4	services	service	NOUN
fsr-3788	133	5	review	review	VERB
fsr-3788	133	6	5	5	NUM
fsr-3788	133	7	(	(	PUNCT
fsr-3788	133	8	1	1	NUM
fsr-3788	133	9	)	)	PUNCT
fsr-3788	133	10	1996	1996	NUM
fsr-3788	133	11	floor	floor	NOUN
fsr-3788	133	12	rote	rote	VERB
fsr-3788	133	13	1.5	1.5	NUM
fsr-3788	133	14	%	%	NOUN
fsr-3788	133	15	1	1	NUM
fsr-3788	133	16	.o%	.o%	NOUN
fsr-3788	133	17	figure	figure	NOUN
fsr-3788	133	18	243	243	NUM
fsr-3788	133	19	.	.	PUNCT
fsr-3788	134	1	impact	impact	NOUN
fsr-3788	134	2	of	of	ADP
fsr-3788	134	3	floor	floor	NOUN
fsr-3788	134	4	on	on	ADP
fsr-3788	134	5	ear	ear	X
fsr-3788	134	6	one	one	NUM
fsr-3788	134	7	-	-	PUNCT
fsr-3788	134	8	year	year	NOUN
fsr-3788	134	9	cds	cd	NOUN
fsr-3788	135	1	_	_	PUNCT
fsr-3788	135	2	.i	.i	PROPN
fsr-3788	135	3	.	.	PUNCT
fsr-3788	136	1	_	_	PRON
fsr-3788	136	2	floor	floor	NOUN
fsr-3788	136	3	rate	rate	NOUN
fsr-3788	136	4	1	1	NUM
fsr-3788	136	5	5	5	NUM
fsr-3788	136	6	%	%	NOUN
fsr-3788	136	7	1	1	NUM
fsr-3788	136	8	.o%	.o%	NOUN
fsr-3788	136	9	figure	figure	NOUN
fsr-3788	136	10	2b	2b	NOUN
fsr-3788	136	11	.	.	PUNCT
fsr-3788	137	1	impact	impact	NOUN
fsr-3788	137	2	of	of	ADP
fsr-3788	137	3	floor	floor	NOUN
fsr-3788	137	4	on	on	ADP
fsr-3788	137	5	ear	ear	X
fsr-3788	137	6	two	two	NUM
fsr-3788	137	7	-	-	PUNCT
fsr-3788	137	8	year	year	NOUN
fsr-3788	137	9	cds	cd	NOUN
fsr-3788	137	10	computing	computing	NOUN
fsr-3788	137	11	yields	yield	NOUN
fsr-3788	137	12	on	on	ADP
fsr-3788	137	13	enhanced	enhanced	ADJ
fsr-3788	137	14	cds	cd	NOUN
fsr-3788	137	15	39	39	NUM
fsr-3788	137	16	depositor	depositor	NOUN
fsr-3788	137	17	preferences	preference	NOUN
fsr-3788	137	18	will	will	AUX
fsr-3788	137	19	determine	determine	VERB
fsr-3788	137	20	which	which	DET
fsr-3788	137	21	enhanced	enhanced	ADJ
fsr-3788	137	22	cd	cd	NOUN
fsr-3788	137	23	product	product	NOUN
fsr-3788	137	24	they	they	PRON
fsr-3788	137	25	prefer	prefer	VERB
fsr-3788	137	26	.	.	PUNCT
fsr-3788	138	1	a	a	DET
fsr-3788	138	2	val	val	PROPN
fsr-3788	138	3	uation	uation	PROPN
fsr-3788	138	4	model	model	NOUN
fsr-3788	138	5	such	such	ADJ
fsr-3788	138	6	as	as	ADP
fsr-3788	138	7	the	the	DET
fsr-3788	138	8	one	one	NOUN
fsr-3788	138	9	presented	present	VERB
fsr-3788	138	10	here	here	ADV
fsr-3788	138	11	would	would	AUX
fsr-3788	138	12	be	be	AUX
fsr-3788	138	13	beneficial	beneficial	ADJ
fsr-3788	138	14	in	in	ADP
fsr-3788	138	15	assisting	assist	VERB
fsr-3788	138	16	depositors	depositor	NOUN
fsr-3788	138	17	in	in	ADP
fsr-3788	138	18	sorting	sort	VERB
fsr-3788	138	19	out	out	ADP
fsr-3788	138	20	their	their	PRON
fsr-3788	138	21	choices	choice	NOUN
fsr-3788	138	22	.	.	PUNCT
fsr-3788	139	1	as	as	SCONJ
fsr-3788	139	2	the	the	DET
fsr-3788	139	3	cd	cd	NOUN
fsr-3788	139	4	product	product	NOUN
fsr-3788	139	5	offerings	offering	NOUN
fsr-3788	139	6	increase	increase	VERB
fsr-3788	139	7	,	,	PUNCT
fsr-3788	139	8	depositors	depositor	NOUN
fsr-3788	139	9	will	will	AUX
fsr-3788	139	10	need	need	VERB
fsr-3788	139	11	to	to	PART
fsr-3788	139	12	clearly	clearly	ADV
fsr-3788	139	13	understand	understand	VERB
fsr-3788	139	14	the	the	DET
fsr-3788	139	15	relative	relative	ADJ
fsr-3788	139	16	value	value	NOUN
fsr-3788	139	17	trade	trade	NOUN
fsr-3788	139	18	-	-	PUNCT
fsr-3788	139	19	offs	off	NOUN
fsr-3788	139	20	.	.	PUNCT
fsr-3788	140	1	v.applying	v.applye	VERB
fsr-3788	140	2	thismodelinpractice	thismodelinpractice	NOUN
fsr-3788	140	3	thus	thus	ADV
fsr-3788	140	4	far	far	ADV
fsr-3788	140	5	we	we	PRON
fsr-3788	140	6	have	have	AUX
fsr-3788	140	7	observed	observe	VERB
fsr-3788	140	8	that	that	SCONJ
fsr-3788	140	9	embedded	embed	VERB
fsr-3788	140	10	options	option	NOUN
fsr-3788	140	11	in	in	ADP
fsr-3788	140	12	cd	cd	PROPN
fsr-3788	140	13	products	product	NOUN
fsr-3788	140	14	are	be	AUX
fsr-3788	140	15	valuable	valuable	ADJ
fsr-3788	140	16	and	and	CCONJ
fsr-3788	140	17	should	should	AUX
fsr-3788	140	18	be	be	AUX
fsr-3788	140	19	appropriately	appropriately	ADV
fsr-3788	140	20	addressed	address	VERB
fsr-3788	140	21	when	when	SCONJ
fsr-3788	140	22	offering	offer	VERB
fsr-3788	140	23	or	or	CCONJ
fsr-3788	140	24	buying	buy	VERB
fsr-3788	140	25	new	new	ADJ
fsr-3788	140	26	cd	cd	NOUN
fsr-3788	140	27	products	product	NOUN
fsr-3788	140	28	.	.	PUNCT
fsr-3788	141	1	specifically	specifically	ADV
fsr-3788	141	2	,	,	PUNCT
fsr-3788	141	3	a	a	DET
fsr-3788	141	4	lower	low	ADJ
fsr-3788	141	5	early	early	ADJ
fsr-3788	141	6	withdrawal	withdrawal	NOUN
fsr-3788	141	7	penalty	penalty	NOUN
fsr-3788	141	8	is	be	AUX
fsr-3788	141	9	valuable	valuable	ADJ
fsr-3788	141	10	to	to	ADP
fsr-3788	141	11	the	the	DET
fsr-3788	141	12	fixed	fix	VERB
fsr-3788	141	13	rate	rate	NOUN
fsr-3788	141	14	cd	cd	NOUN
fsr-3788	141	15	depositor	depositor	NOUN
fsr-3788	141	16	and	and	CCONJ
fsr-3788	141	17	hence	hence	ADV
fsr-3788	141	18	will	will	AUX
fsr-3788	141	19	translate	translate	VERB
fsr-3788	141	20	into	into	ADP
fsr-3788	141	21	a	a	DET
fsr-3788	141	22	higher	high	ADJ
fsr-3788	141	23	option	option	NOUN
fsr-3788	141	24	-	-	PUNCT
fsr-3788	141	25	adjusted	adjust	VERB
fsr-3788	141	26	ear	ear	NOUN
fsr-3788	141	27	or	or	CCONJ
fsr-3788	141	28	apy	apy	NOUN
fsr-3788	141	29	than	than	ADP
fsr-3788	141	30	the	the	DET
fsr-3788	141	31	standard	standard	ADJ
fsr-3788	141	32	cd	cd	PROPN
fsr-3788	141	33	paying	pay	VERB
fsr-3788	141	34	the	the	DET
fsr-3788	141	35	same	same	ADJ
fsr-3788	141	36	fixed	fix	VERB
fsr-3788	141	37	rate	rate	NOUN
fsr-3788	141	38	.	.	PUNCT
fsr-3788	142	1	a	a	DET
fsr-3788	142	2	floating	float	VERB
fsr-3788	142	3	rate	rate	NOUN
fsr-3788	142	4	cd	cd	NOUN
fsr-3788	142	5	with	with	ADP
fsr-3788	142	6	a	a	DET
fsr-3788	142	7	guaranteed	guarantee	VERB
fsr-3788	142	8	floor	floor	NOUN
fsr-3788	142	9	will	will	AUX
fsr-3788	142	10	have	have	VERB
fsr-3788	142	11	a	a	DET
fsr-3788	142	12	higher	high	ADJ
fsr-3788	142	13	option	option	NOUN
fsr-3788	142	14	-	-	PUNCT
fsr-3788	142	15	adjusted	adjust	VERB
fsr-3788	142	16	ear	ear	NOUN
fsr-3788	142	17	or	or	CCONJ
fsr-3788	142	18	apy	apy	NOUN
fsr-3788	142	19	when	when	SCONJ
fsr-3788	142	20	compared	compare	VERB
fsr-3788	142	21	to	to	ADP
fsr-3788	142	22	a	a	DET
fsr-3788	142	23	floating	float	VERB
fsr-3788	142	24	rate	rate	NOUN
fsr-3788	142	25	cd	cd	NOUN
fsr-3788	142	26	with	with	ADP
fsr-3788	142	27	no	no	DET
fsr-3788	142	28	floor	floor	NOUN
fsr-3788	142	29	.	.	PUNCT
fsr-3788	143	1	does	do	AUX
fsr-3788	143	2	the	the	DET
fsr-3788	143	3	higher	high	ADJ
fsr-3788	143	4	ear	ear	NOUN
fsr-3788	143	5	or	or	CCONJ
fsr-3788	143	6	apy	apy	NOUN
fsr-3788	143	7	mean	mean	ADJ
fsr-3788	143	8	bankers	banker	NOUN
fsr-3788	143	9	should	should	AUX
fsr-3788	143	10	avoid	avoid	VERB
fsr-3788	143	11	offering	offer	VERB
fsr-3788	143	12	enhanced	enhance	VERB
fsr-3788	143	13	cds	cd	NOUN
fsr-3788	143	14	?	?	PUNCT
fsr-3788	144	1	of	of	ADV
fsr-3788	144	2	course	course	ADV
fsr-3788	144	3	not	not	PART
fsr-3788	144	4	.	.	PUNCT
fsr-3788	145	1	each	each	DET
fsr-3788	145	2	depositor	depositor	NOUN
fsr-3788	145	3	is	be	AUX
fsr-3788	145	4	unique	unique	ADJ
fsr-3788	145	5	and	and	CCONJ
fsr-3788	145	6	has	have	VERB
fsr-3788	145	7	different	different	ADJ
fsr-3788	145	8	preferences	preference	NOUN
fsr-3788	145	9	and	and	CCONJ
fsr-3788	145	10	beliefs	belief	NOUN
fsr-3788	145	11	regarding	regard	VERB
fsr-3788	145	12	the	the	DET
fsr-3788	145	13	future	future	ADJ
fsr-3788	145	14	course	course	NOUN
fsr-3788	145	15	of	of	ADP
fsr-3788	145	16	interest	interest	NOUN
fsr-3788	145	17	rates	rate	NOUN
fsr-3788	145	18	.	.	PUNCT
fsr-3788	146	1	a	a	DET
fsr-3788	146	2	depositor	depositor	NOUN
fsr-3788	146	3	who	who	PRON
fsr-3788	146	4	believes	believe	VERB
fsr-3788	146	5	interest	interest	NOUN
fsr-3788	146	6	rates	rate	NOUN
fsr-3788	146	7	will	will	AUX
fsr-3788	146	8	rise	rise	VERB
fsr-3788	146	9	shortly	shortly	ADV
fsr-3788	146	10	will	will	AUX
fsr-3788	146	11	not	not	PART
fsr-3788	146	12	be	be	AUX
fsr-3788	146	13	interested	interested	ADJ
fsr-3788	146	14	in	in	ADP
fsr-3788	146	15	a	a	DET
fsr-3788	146	16	fixed	fix	VERB
fsr-3788	146	17	rate	rate	NOUN
fsr-3788	146	18	cd	cd	NOUN
fsr-3788	146	19	with	with	ADP
fsr-3788	146	20	large	large	ADJ
fsr-3788	146	21	early	early	ADJ
fsr-3788	146	22	withdrawal	withdrawal	NOUN
fsr-3788	146	23	penalties	penalty	NOUN
fsr-3788	146	24	.	.	PUNCT
fsr-3788	147	1	a	a	DET
fsr-3788	147	2	depositor	depositor	NOUN
fsr-3788	147	3	that	that	PRON
fsr-3788	147	4	is	be	AUX
fsr-3788	147	5	uncertain	uncertain	ADJ
fsr-3788	147	6	about	about	ADP
fsr-3788	147	7	their	their	PRON
fsr-3788	147	8	liquidity	liquidity	NOUN
fsr-3788	147	9	needs	need	NOUN
fsr-3788	147	10	will	will	AUX
fsr-3788	147	11	avoid	avoid	VERB
fsr-3788	147	12	cds	cd	NOUN
fsr-3788	147	13	with	with	ADP
fsr-3788	147	14	heavy	heavy	ADJ
fsr-3788	147	15	early	early	ADJ
fsr-3788	147	16	withdrawal	withdrawal	NOUN
fsr-3788	147	17	penalties	penalty	NOUN
fsr-3788	147	18	.	.	PUNCT
fsr-3788	148	1	the	the	DET
fsr-3788	148	2	banker	banker	NOUN
fsr-3788	148	3	’s	’s	PART
fsr-3788	148	4	objective	objective	NOUN
fsr-3788	148	5	should	should	AUX
fsr-3788	148	6	be	be	AUX
fsr-3788	148	7	to	to	PART
fsr-3788	148	8	offer	offer	VERB
fsr-3788	148	9	appropriately	appropriately	ADV
fsr-3788	148	10	priced	price	VERB
fsr-3788	148	11	cds	cd	NOUN
fsr-3788	148	12	that	that	PRON
fsr-3788	148	13	allow	allow	VERB
fsr-3788	148	14	for	for	ADP
fsr-3788	148	15	product	product	NOUN
fsr-3788	148	16	differentiation	differentiation	NOUN
fsr-3788	148	17	which	which	PRON
fsr-3788	148	18	results	result	VERB
fsr-3788	148	19	in	in	ADP
fsr-3788	148	20	a	a	DET
fsr-3788	148	21	competitive	competitive	ADJ
fsr-3788	148	22	advantage	advantage	NOUN
fsr-3788	148	23	over	over	ADP
fsr-3788	148	24	banks	bank	NOUN
fsr-3788	148	25	offering	offer	VERB
fsr-3788	148	26	stan	stan	PROPN
fsr-3788	148	27	dard	dard	PROPN
fsr-3788	148	28	products	product	NOUN
fsr-3788	148	29	.	.	PUNCT
fsr-3788	149	1	brooks	brooks	PROPN
fsr-3788	149	2	and	and	CCONJ
fsr-3788	149	3	white	white	ADJ
fsr-3788	149	4	(	(	PUNCT
fsr-3788	149	5	1996	1996	NUM
fsr-3788	149	6	)	)	PUNCT
fsr-3788	149	7	focus	focus	NOUN
fsr-3788	149	8	on	on	ADP
fsr-3788	149	9	the	the	DET
fsr-3788	149	10	marketing	marketing	NOUN
fsr-3788	149	11	aspects	aspect	NOUN
fsr-3788	149	12	of	of	ADP
fsr-3788	149	13	enhanced	enhanced	ADJ
fsr-3788	149	14	cd	cd	NOUN
fsr-3788	149	15	products	product	NOUN
fsr-3788	149	16	.	.	PUNCT
fsr-3788	150	1	the	the	DET
fsr-3788	150	2	depositors	depositor	NOUN
fsr-3788	150	3	objective	objective	NOUN
fsr-3788	150	4	should	should	AUX
fsr-3788	150	5	be	be	AUX
fsr-3788	150	6	to	to	PART
fsr-3788	150	7	select	select	VERB
fsr-3788	150	8	the	the	DET
fsr-3788	150	9	appropriate	appropriate	ADJ
fsr-3788	150	10	cd	cd	NOUN
fsr-3788	150	11	products	product	NOUN
fsr-3788	150	12	best	well	ADV
fsr-3788	150	13	suited	suit	VERB
fsr-3788	150	14	for	for	ADP
fsr-3788	150	15	them	they	PRON
fsr-3788	150	16	.	.	PUNCT
fsr-3788	151	1	for	for	ADP
fsr-3788	151	2	illustrative	illustrative	ADJ
fsr-3788	151	3	purposes	purpose	NOUN
fsr-3788	151	4	,	,	PUNCT
fsr-3788	151	5	suppose	suppose	VERB
fsr-3788	151	6	there	there	PRON
fsr-3788	151	7	are	be	VERB
fsr-3788	151	8	two	two	NUM
fsr-3788	151	9	banks	bank	NOUN
fsr-3788	151	10	in	in	ADP
fsr-3788	151	11	a	a	DET
fsr-3788	151	12	given	give	VERB
fsr-3788	151	13	market	market	NOUN
fsr-3788	151	14	,	,	PUNCT
fsr-3788	151	15	stoic	stoic	ADJ
fsr-3788	151	16	bank	bank	NOUN
fsr-3788	151	17	and	and	CCONJ
fsr-3788	151	18	modem	modem	PROPN
fsr-3788	151	19	bank	bank	PROPN
fsr-3788	151	20	.	.	PUNCT
fsr-3788	152	1	at	at	ADP
fsr-3788	152	2	two	two	NUM
fsr-3788	152	3	-	-	PUNCT
fsr-3788	152	4	year	year	NOUN
fsr-3788	152	5	maturities	maturity	NOUN
fsr-3788	152	6	,	,	PUNCT
fsr-3788	152	7	the	the	DET
fsr-3788	152	8	stoic	stoic	ADJ
fsr-3788	152	9	bank	bank	NOUN
fsr-3788	152	10	offers	offer	VERB
fsr-3788	152	11	a	a	DET
fsr-3788	152	12	fixed	fix	VERB
fsr-3788	152	13	rate	rate	NOUN
fsr-3788	152	14	cd	cd	NOUN
fsr-3788	152	15	at	at	ADP
fsr-3788	152	16	5	5	NUM
fsr-3788	152	17	%	%	NOUN
fsr-3788	152	18	with	with	ADP
fsr-3788	152	19	182&y	182&y	NUM
fsr-3788	152	20	early	early	ADJ
fsr-3788	152	21	withdrawal	withdrawal	NOUN
fsr-3788	152	22	penalty	penalty	NOUN
fsr-3788	152	23	.	.	PUNCT
fsr-3788	153	1	the	the	DET
fsr-3788	153	2	modem	modem	PROPN
fsr-3788	153	3	bank	bank	PROPN
fsr-3788	153	4	also	also	ADV
fsr-3788	153	5	has	have	VERB
fsr-3788	153	6	a	a	DET
fsr-3788	153	7	similar	similar	ADJ
fsr-3788	153	8	cd	cd	NOUN
fsr-3788	153	9	but	but	CCONJ
fsr-3788	153	10	would	would	AUX
fsr-3788	153	11	like	like	VERB
fsr-3788	153	12	to	to	PART
fsr-3788	153	13	expand	expand	VERB
fsr-3788	153	14	its	its	PRON
fsr-3788	153	15	offering	offering	NOUN
fsr-3788	153	16	to	to	PART
fsr-3788	153	17	attract	attract	VERB
fsr-3788	153	18	other	other	ADJ
fsr-3788	153	19	depositors	depositor	NOUN
fsr-3788	153	20	.	.	PUNCT
fsr-3788	154	1	for	for	ADP
fsr-3788	154	2	simplicity	simplicity	NOUN
fsr-3788	154	3	,	,	PUNCT
fsr-3788	154	4	assume	assume	VERB
fsr-3788	154	5	the	the	DET
fsr-3788	154	6	yield	yield	NOUN
fsr-3788	154	7	curve	curve	NOUN
fsr-3788	154	8	is	be	AUX
fsr-3788	154	9	flat	flat	ADJ
fsr-3788	154	10	and	and	CCONJ
fsr-3788	154	11	cd	cd	NOUN
fsr-3788	154	12	rate	rate	NOUN
fsr-3788	154	13	volatility	volatility	NOUN
fsr-3788	154	14	is	be	AUX
fsr-3788	154	15	10	10	NUM
fsr-3788	154	16	%	%	NOUN
fsr-3788	154	17	(	(	PUNCT
fsr-3788	154	18	about	about	ADP
fsr-3788	154	19	normal	normal	ADJ
fsr-3788	154	20	)	)	PUNCT
fsr-3788	154	21	.	.	PUNCT
fsr-3788	155	1	the	the	DET
fsr-3788	155	2	modem	modem	PROPN
fsr-3788	155	3	bank	bank	PROPN
fsr-3788	155	4	decides	decide	VERB
fsr-3788	155	5	to	to	PART
fsr-3788	155	6	offer	offer	VERB
fsr-3788	155	7	a	a	DET
fsr-3788	155	8	menu	menu	NOUN
fsr-3788	155	9	of	of	ADP
fsr-3788	155	10	pmd	pmd	PROPN
fsr-3788	155	11	ucts	uct	NOUN
fsr-3788	155	12	at	at	ADP
fsr-3788	155	13	the	the	DET
fsr-3788	155	14	two	two	NUM
fsr-3788	155	15	-	-	PUNCT
fsr-3788	155	16	year	year	NOUN
fsr-3788	155	17	maturities	maturity	NOUN
fsr-3788	155	18	as	as	SCONJ
fsr-3788	155	19	follows	follow	VERB
fsr-3788	155	20	(	(	PUNCT
fsr-3788	155	21	see	see	VERB
fsr-3788	155	22	table	table	NOUN
fsr-3788	155	23	1	1	NUM
fsr-3788	155	24	)	)	PUNCT
fsr-3788	155	25	.	.	PUNCT
fsr-3788	156	1	the	the	DET
fsr-3788	156	2	problem	problem	NOUN
fsr-3788	156	3	is	be	AUX
fsr-3788	156	4	establishing	establish	VERB
fsr-3788	156	5	the	the	DET
fsr-3788	156	6	appropriate	appropriate	ADJ
fsr-3788	156	7	rate	rate	NOUN
fsr-3788	156	8	for	for	ADP
fsr-3788	156	9	products	product	NOUN
fsr-3788	156	10	3	3	NUM
fsr-3788	156	11	and	and	CCONJ
fsr-3788	156	12	4	4	NUM
fsr-3788	156	13	.	.	PUNCT
fsr-3788	156	14	using	use	VERB
fsr-3788	156	15	the	the	DET
fsr-3788	156	16	valu	valu	NOUN
fsr-3788	156	17	ation	ation	PROPN
fsr-3788	156	18	model	model	PROPN
fsr-3788	156	19	,	,	PUNCT
fsr-3788	156	20	we	we	PRON
fsr-3788	156	21	find	find	VERB
fsr-3788	156	22	the	the	DET
fsr-3788	156	23	annual	annual	ADJ
fsr-3788	156	24	premium	premium	NOUN
fsr-3788	156	25	rate	rate	NOUN
fsr-3788	156	26	of	of	ADP
fsr-3788	156	27	the	the	DET
fsr-3788	156	28	embedded	embed	VERB
fsr-3788	156	29	options	option	NOUN
fsr-3788	156	30	are	be	AUX
fsr-3788	156	31	0.167	0.167	NUM
fsr-3788	156	32	%	%	NOUN
fsr-3788	156	33	for	for	ADP
fsr-3788	156	34	prod	prod	NOUN
fsr-3788	156	35	uct	uct	PROPN
fsr-3788	156	36	3	3	NUM
fsr-3788	156	37	and	and	CCONJ
fsr-3788	156	38	0.168	0.168	NUM
fsr-3788	156	39	%	%	NOUN
fsr-3788	156	40	for	for	ADP
fsr-3788	156	41	product	product	NOUN
fsr-3788	156	42	4	4	NUM
fsr-3788	156	43	.	.	PUNCT
fsr-3788	157	1	thus	thus	ADV
fsr-3788	157	2	,	,	PUNCT
fsr-3788	157	3	the	the	DET
fsr-3788	157	4	appropriate	appropriate	ADJ
fsr-3788	157	5	ear	ear	NOUN
fsr-3788	157	6	for	for	ADP
fsr-3788	157	7	product	product	NOUN
fsr-3788	157	8	3	3	NUM
fsr-3788	157	9	is	be	AUX
fsr-3788	157	10	roughly	roughly	ADV
fsr-3788	157	11	4.833	4.833	NUM
fsr-3788	157	12	%	%	NOUN
fsr-3788	157	13	(	(	PUNCT
fsr-3788	157	14	5	5	NUM
fsr-3788	157	15	%	%	NOUN
fsr-3788	157	16	0.167	0.167	NUM
fsr-3788	157	17	%	%	NOUN
fsr-3788	157	18	)	)	PUNCT
fsr-3788	157	19	and	and	CCONJ
fsr-3788	157	20	for	for	ADP
fsr-3788	157	21	product	product	NOUN
fsr-3788	157	22	4	4	NUM
fsr-3788	157	23	is	be	AUX
fsr-3788	157	24	4.832	4.832	NUM
fsr-3788	157	25	%	%	NOUN
fsr-3788	157	26	(	(	PUNCT
fsr-3788	157	27	5	5	NUM
fsr-3788	157	28	%	%	NOUN
fsr-3788	157	29	0.168	0.168	NUM
fsr-3788	157	30	%	%	NOUN
fsr-3788	157	31	)	)	PUNCT
fsr-3788	157	32	.	.	PUNCT
fsr-3788	158	1	however	however	ADV
fsr-3788	158	2	,	,	PUNCT
fsr-3788	158	3	some	some	DET
fsr-3788	158	4	depositors	depositor	NOUN
fsr-3788	158	5	will	will	AUX
fsr-3788	158	6	have	have	VERB
fsr-3788	158	7	strong	strong	ADJ
fsr-3788	158	8	preferences	preference	NOUN
fsr-3788	158	9	for	for	ADP
fsr-3788	158	10	products	product	NOUN
fsr-3788	158	11	3	3	NUM
fsr-3788	158	12	or	or	CCONJ
fsr-3788	158	13	4	4	NUM
fsr-3788	158	14	and	and	CCONJ
fsr-3788	158	15	will	will	AUX
fsr-3788	158	16	be	be	AUX
fsr-3788	158	17	willing	willing	ADJ
fsr-3788	158	18	to	to	PART
fsr-3788	158	19	accept	accept	VERB
fsr-3788	158	20	even	even	ADV
fsr-3788	158	21	lower	low	ADJ
fsr-3788	158	22	rates	rate	NOUN
fsr-3788	158	23	.	.	PUNCT
fsr-3788	159	1	table	table	NOUN
fsr-3788	159	2	1	1	NUM
fsr-3788	159	3	modem	modem	NOUN
fsr-3788	159	4	bank	bank	NOUN
fsr-3788	159	5	products	product	NOUN
fsr-3788	159	6	at	at	ADP
fsr-3788	159	7	2	2	NUM
fsr-3788	159	8	-	-	PUNCT
fsr-3788	159	9	year	year	NOUN
fsr-3788	159	10	maturities	maturity	NOUN
fsr-3788	159	11	annual	annual	ADJ
fsr-3788	159	12	producr	producr	NOUN
fsr-3788	159	13	type	type	NOUN
fsr-3788	159	14	earli	earli	PROPN
fsr-3788	159	15	j	j	PROPN
fsr-3788	159	16	-	-	PUNCT
fsr-3788	159	17	r	r	NOUN
fsr-3788	159	18	,	,	PUNCT
fsr-3788	159	19	premium	premium	NOUN
fsr-3788	159	20	rate	rate	NOUN
fsr-3788	159	21	1	1	NUM
fsr-3788	159	22	fixed	fix	VERB
fsr-3788	159	23	rate	rate	NOUN
fsr-3788	159	24	cd	cd	PROPN
fsr-3788	159	25	5	5	NUM
fsr-3788	159	26	%	%	NOUN
fsr-3788	159	27	5	5	NUM
fsr-3788	159	28	%	%	NOUN
fsr-3788	159	29	0	0	NUM
fsr-3788	159	30	%	%	NOUN
fsr-3788	159	31	2	2	NUM
fsr-3788	159	32	floating	float	VERB
fsr-3788	159	33	-	-	PUNCT
fsr-3788	159	34	rate	rate	NOUN
fsr-3788	159	35	cd	cd	NOUN
fsr-3788	159	36	5	5	NUM
fsr-3788	159	37	%	%	NOUN
fsr-3788	159	38	5	5	NUM
fsr-3788	159	39	%	%	NOUN
fsr-3788	159	40	0	0	NUM
fsr-3788	159	41	%	%	NOUN
fsr-3788	159	42	3	3	NUM
fsr-3788	159	43	fixed	fix	VERB
fsr-3788	159	44	rate	rate	NOUN
fsr-3788	159	45	cd	cd	PROPN
fsr-3788	159	46	,	,	PUNCT
fsr-3788	159	47	no	no	INTJ
fsr-3788	159	48	ewp	ewp	NOUN
fsr-3788	159	49	?	?	PUNCT
fsr-3788	160	1	5	5	NUM
fsr-3788	160	2	%	%	NOUN
fsr-3788	160	3	0.167	0.167	NUM
fsr-3788	160	4	%	%	NOUN
fsr-3788	160	5	4	4	NUM
fsr-3788	160	6	floating	float	VERB
fsr-3788	160	7	-	-	PUNCT
fsr-3788	160	8	rate	rate	NOUN
fsr-3788	160	9	cd	cd	PROPN
fsr-3788	160	10	,	,	PUNCT
fsr-3788	160	11	5	5	NUM
fsr-3788	160	12	%	%	NOUN
fsr-3788	160	13	floor	floor	NOUN
fsr-3788	160	14	?	?	PUNCT
fsr-3788	161	1	5	5	NUM
fsr-3788	161	2	%	%	NOUN
fsr-3788	161	3	0.168	0.168	NUM
fsr-3788	161	4	%	%	NOUN
fsr-3788	161	5	note	note	NOUN
fsr-3788	161	6	:	:	PUNCT
fsr-3788	161	7	*	*	PUNCT
fsr-3788	161	8	ewp	ewp	PROPN
fsr-3788	161	9	denotes	denote	VERB
fsr-3788	161	10	early	early	ADJ
fsr-3788	161	11	withdrawal	withdrawal	NOUN
fsr-3788	161	12	penalty	penalty	NOUN
fsr-3788	161	13	.	.	PUNCT
fsr-3788	162	1	40	40	NUM
fsr-3788	162	2	financial	financial	ADJ
fsr-3788	162	3	services	service	NOUN
fsr-3788	162	4	review	review	VERB
fsr-3788	162	5	5	5	NUM
fsr-3788	162	6	(	(	PUNCT
fsr-3788	162	7	1	1	NUM
fsr-3788	162	8	)	)	PUNCT
fsr-3788	162	9	1996	1996	NUM
fsr-3788	162	10	the	the	DET
fsr-3788	162	11	benefits	benefit	NOUN
fsr-3788	162	12	to	to	ADP
fsr-3788	162	13	the	the	DET
fsr-3788	162	14	bank	bank	NOUN
fsr-3788	162	15	of	of	ADP
fsr-3788	162	16	attracting	attract	VERB
fsr-3788	162	17	new	new	ADJ
fsr-3788	162	18	depositors	depositor	NOUN
fsr-3788	162	19	and	and	CCONJ
fsr-3788	162	20	gaining	gain	VERB
fsr-3788	162	21	market	market	NOUN
fsr-3788	162	22	share	share	NOUN
fsr-3788	162	23	may	may	AUX
fsr-3788	162	24	well	well	ADV
fsr-3788	162	25	offset	offset	VERB
fsr-3788	162	26	the	the	DET
fsr-3788	162	27	additional	additional	ADJ
fsr-3788	162	28	administrative	administrative	ADJ
fsr-3788	162	29	costs	cost	NOUN
fsr-3788	162	30	.	.	PUNCT
fsr-3788	163	1	the	the	DET
fsr-3788	163	2	administrative	administrative	ADJ
fsr-3788	163	3	costs	cost	NOUN
fsr-3788	163	4	should	should	AUX
fsr-3788	163	5	be	be	AUX
fsr-3788	163	6	minimal	minimal	ADJ
fsr-3788	163	7	because	because	SCONJ
fsr-3788	163	8	the	the	DET
fsr-3788	163	9	marketing	marketing	NOUN
fsr-3788	163	10	channels	channel	NOUN
fsr-3788	163	11	have	have	AUX
fsr-3788	163	12	already	already	ADV
fsr-3788	163	13	been	be	AUX
fsr-3788	163	14	established	establish	VERB
fsr-3788	163	15	.	.	PUNCT
fsr-3788	164	1	offering	offer	VERB
fsr-3788	164	2	enhanced	enhanced	ADJ
fsr-3788	164	3	cds	cd	NOUN
fsr-3788	164	4	requires	require	VERB
fsr-3788	164	5	bankers	banker	NOUN
fsr-3788	164	6	to	to	PART
fsr-3788	164	7	have	have	VERB
fsr-3788	164	8	a	a	DET
fsr-3788	164	9	good	good	ADJ
fsr-3788	164	10	grasp	grasp	NOUN
fsr-3788	164	11	of	of	ADP
fsr-3788	164	12	their	their	PRON
fsr-3788	164	13	interest	interest	NOUN
fsr-3788	164	14	rate	rate	NOUN
fsr-3788	164	15	risk	risk	NOUN
fsr-3788	164	16	.	.	PUNCT
fsr-3788	165	1	alternatively	alternatively	ADV
fsr-3788	165	2	,	,	PUNCT
fsr-3788	165	3	one	one	NUM
fsr-3788	165	4	benefit	benefit	NOUN
fsr-3788	165	5	of	of	ADP
fsr-3788	165	6	good	good	ADJ
fsr-3788	165	7	asset	asset	NOUN
fsr-3788	165	8	/	/	SYM
fsr-3788	165	9	liability	liability	NOUN
fsr-3788	165	10	management	management	NOUN
fsr-3788	165	11	is	be	AUX
fsr-3788	165	12	the	the	DET
fsr-3788	165	13	ability	ability	NOUN
fsr-3788	165	14	to	to	PART
fsr-3788	165	15	comfortably	comfortably	ADV
fsr-3788	165	16	offer	offer	VERB
fsr-3788	165	17	new	new	ADJ
fsr-3788	165	18	deposit	deposit	NOUN
fsr-3788	165	19	products	product	NOUN
fsr-3788	165	20	.	.	PUNCT
fsr-3788	166	1	the	the	DET
fsr-3788	166	2	benefits	benefit	NOUN
fsr-3788	166	3	to	to	ADP
fsr-3788	166	4	the	the	DET
fsr-3788	166	5	depositor	depositor	NOUN
fsr-3788	166	6	of	of	ADP
fsr-3788	166	7	expanded	expand	VERB
fsr-3788	166	8	cd	cd	NOUN
fsr-3788	166	9	offerings	offering	NOUN
fsr-3788	166	10	may	may	AUX
fsr-3788	166	11	well	well	ADV
fsr-3788	166	12	offset	offset	VERB
fsr-3788	166	13	the	the	DET
fsr-3788	166	14	additional	additional	ADJ
fsr-3788	166	15	education	education	NOUN
fsr-3788	166	16	costs	cost	NOUN
fsr-3788	166	17	involved	involve	VERB
fsr-3788	166	18	in	in	ADP
fsr-3788	166	19	understanding	understand	VERB
fsr-3788	166	20	the	the	DET
fsr-3788	166	21	relative	relative	ADJ
fsr-3788	166	22	trade	trade	NOUN
fsr-3788	166	23	-	-	PUNCT
fsr-3788	166	24	offs	off	NOUN
fsr-3788	166	25	.	.	PUNCT
fsr-3788	167	1	depositors	depositor	NOUN
fsr-3788	167	2	must	must	AUX
fsr-3788	167	3	take	take	VERB
fsr-3788	167	4	the	the	DET
fsr-3788	167	5	time	time	NOUN
fsr-3788	167	6	and	and	CCONJ
fsr-3788	167	7	effort	effort	NOUN
fsr-3788	167	8	to	to	PART
fsr-3788	167	9	clearly	clearly	ADV
fsr-3788	167	10	understand	understand	VERB
fsr-3788	167	11	and	and	CCONJ
fsr-3788	167	12	assess	assess	VERB
fsr-3788	167	13	the	the	DET
fsr-3788	167	14	different	different	ADJ
fsr-3788	167	15	features	feature	NOUN
fsr-3788	167	16	of	of	ADP
fsr-3788	167	17	these	these	DET
fsr-3788	167	18	new	new	ADJ
fsr-3788	167	19	cd	cd	NOUN
fsr-3788	167	20	products	product	NOUN
fsr-3788	167	21	.	.	PUNCT
fsr-3788	168	1	one	one	NUM
fsr-3788	168	2	cost	cost	NOUN
fsr-3788	168	3	of	of	ADP
fsr-3788	168	4	offering	offer	VERB
fsr-3788	168	5	enhanced	enhance	VERB
fsr-3788	168	6	cds	cd	NOUN
fsr-3788	168	7	is	be	AUX
fsr-3788	168	8	increasing	increase	VERB
fsr-3788	168	9	a	a	DET
fsr-3788	168	10	bank	bank	NOUN
fsr-3788	168	11	’s	’s	PART
fsr-3788	168	12	interest	interest	NOUN
fsr-3788	168	13	rate	rate	NOUN
fsr-3788	168	14	risk	risk	NOUN
fsr-3788	168	15	.	.	PUNCT
fsr-3788	169	1	the	the	DET
fsr-3788	169	2	embed	embed	NOUN
fsr-3788	169	3	ded	de	VERB
fsr-3788	169	4	options	option	NOUN
fsr-3788	169	5	will	will	AUX
fsr-3788	169	6	typically	typically	ADV
fsr-3788	169	7	be	be	AUX
fsr-3788	169	8	used	use	VERB
fsr-3788	169	9	against	against	ADP
fsr-3788	169	10	the	the	DET
fsr-3788	169	11	bank	bank	NOUN
fsr-3788	169	12	at	at	ADP
fsr-3788	169	13	a	a	DET
fsr-3788	169	14	time	time	NOUN
fsr-3788	169	15	when	when	SCONJ
fsr-3788	169	16	it	it	PRON
fsr-3788	169	17	is	be	AUX
fsr-3788	169	18	disadvantageous	disadvantageous	ADJ
fsr-3788	169	19	to	to	ADP
fsr-3788	169	20	them	they	PRON
fsr-3788	169	21	.	.	PUNCT
fsr-3788	170	1	for	for	ADP
fsr-3788	170	2	example	example	NOUN
fsr-3788	170	3	,	,	PUNCT
fsr-3788	170	4	depositors	depositor	NOUN
fsr-3788	170	5	will	will	AUX
fsr-3788	170	6	early	early	ADV
fsr-3788	170	7	withdraw	withdraw	VERB
fsr-3788	170	8	when	when	SCONJ
fsr-3788	170	9	rates	rate	NOUN
fsr-3788	170	10	go	go	VERB
fsr-3788	170	11	higher	higher	ADV
fsr-3788	170	12	causing	cause	VERB
fsr-3788	170	13	the	the	DET
fsr-3788	170	14	bank	bank	NOUN
fsr-3788	170	15	to	to	PART
fsr-3788	170	16	lose	lose	VERB
fsr-3788	170	17	lower	low	ADJ
fsr-3788	170	18	cost	cost	NOUN
fsr-3788	170	19	of	of	ADP
fsr-3788	170	20	funds	fund	NOUN
fsr-3788	170	21	.	.	PUNCT
fsr-3788	171	1	the	the	DET
fsr-3788	171	2	resulting	result	VERB
fsr-3788	171	3	interest	interest	NOUN
fsr-3788	171	4	rate	rate	NOUN
fsr-3788	171	5	risk	risk	NOUN
fsr-3788	171	6	can	can	AUX
fsr-3788	171	7	be	be	AUX
fsr-3788	171	8	effectively	effectively	ADV
fsr-3788	171	9	managed	manage	VERB
fsr-3788	171	10	,	,	PUNCT
fsr-3788	171	11	if	if	SCONJ
fsr-3788	171	12	necessary	necessary	ADJ
fsr-3788	171	13	,	,	PUNCT
fsr-3788	171	14	with	with	ADP
fsr-3788	171	15	over	over	ADP
fsr-3788	171	16	-	-	PUNCT
fsr-3788	171	17	the	the	DET
fsr-3788	171	18	-	-	PUNCT
fsr-3788	171	19	counter	counter	NOUN
fsr-3788	171	20	derivative	derivative	ADJ
fsr-3788	171	21	products	product	NOUN
fsr-3788	171	22	such	such	ADJ
fsr-3788	171	23	as	as	ADP
fsr-3788	171	24	interest	interest	NOUN
fsr-3788	171	25	rate	rate	NOUN
fsr-3788	171	26	caps	cap	NOUN
fsr-3788	171	27	and	and	CCONJ
fsr-3788	171	28	floors	floor	NOUN
fsr-3788	171	29	.	.	PUNCT
fsr-3788	172	1	one	one	NUM
fsr-3788	172	2	benefit	benefit	NOUN
fsr-3788	172	3	of	of	ADP
fsr-3788	172	4	conducting	conduct	VERB
fsr-3788	172	5	this	this	DET
fsr-3788	172	6	type	type	NOUN
fsr-3788	172	7	of	of	ADP
fsr-3788	172	8	analysis	analysis	NOUN
fsr-3788	172	9	is	be	AUX
fsr-3788	172	10	the	the	DET
fsr-3788	172	11	ability	ability	NOUN
fsr-3788	172	12	to	to	PART
fsr-3788	172	13	compute	compute	VERB
fsr-3788	172	14	an	an	DET
fsr-3788	172	15	option	option	NOUN
fsr-3788	172	16	adjusted	adjust	VERB
fsr-3788	172	17	net	net	ADJ
fsr-3788	172	18	interest	interest	NOUN
fsr-3788	172	19	spread	spread	NOUN
fsr-3788	172	20	(	(	PUNCT
fsr-3788	172	21	or	or	CCONJ
fsr-3788	172	22	margin	margin	NOUN
fsr-3788	172	23	)	)	PUNCT
fsr-3788	172	24	.	.	PUNCT
fsr-3788	173	1	in	in	ADP
fsr-3788	173	2	the	the	DET
fsr-3788	173	3	illustration	illustration	NOUN
fsr-3788	173	4	above	above	ADV
fsr-3788	173	5	,	,	PUNCT
fsr-3788	173	6	it	it	PRON
fsr-3788	173	7	would	would	AUX
fsr-3788	173	8	appear	appear	VERB
fsr-3788	173	9	as	as	SCONJ
fsr-3788	173	10	if	if	SCONJ
fsr-3788	173	11	the	the	DET
fsr-3788	173	12	modem	modem	PROPN
fsr-3788	173	13	bank	bank	PROPN
fsr-3788	173	14	had	have	VERB
fsr-3788	173	15	a	a	DET
fsr-3788	173	16	higher	high	ADJ
fsr-3788	173	17	net	net	ADJ
fsr-3788	173	18	interest	interest	NOUN
fsr-3788	173	19	rate	rate	NOUN
fsr-3788	173	20	spread	spread	VERB
fsr-3788	173	21	if	if	SCONJ
fsr-3788	173	22	no	no	DET
fsr-3788	173	23	adjustments	adjustment	NOUN
fsr-3788	173	24	were	be	AUX
fsr-3788	173	25	made	make	VERB
fsr-3788	173	26	to	to	ADP
fsr-3788	173	27	the	the	DET
fsr-3788	173	28	quoted	quote	VERB
fsr-3788	173	29	ear	ear	NOUN
fsr-3788	173	30	or	or	CCONJ
fsr-3788	173	31	apy	apy	NOUN
fsr-3788	173	32	.	.	PUNCT
fsr-3788	174	1	that	that	PRON
fsr-3788	174	2	is	be	AUX
fsr-3788	174	3	,	,	PUNCT
fsr-3788	174	4	the	the	DET
fsr-3788	174	5	modem	modem	PROPN
fsr-3788	174	6	bank	bank	PROPN
fsr-3788	174	7	would	would	AUX
fsr-3788	174	8	be	be	AUX
fsr-3788	174	9	issuing	issue	VERB
fsr-3788	174	10	deposits	deposit	NOUN
fsr-3788	174	11	at	at	ADP
fsr-3788	174	12	4.833	4.833	NUM
fsr-3788	174	13	%	%	NOUN
fsr-3788	174	14	and	and	CCONJ
fsr-3788	174	15	4.832	4.832	NUM
fsr-3788	174	16	%	%	NOUN
fsr-3788	174	17	as	as	SCONJ
fsr-3788	174	18	opposed	oppose	VERB
fsr-3788	174	19	to	to	ADP
fsr-3788	174	20	5	5	NUM
fsr-3788	174	21	%	%	NOUN
fsr-3788	174	22	.	.	PUNCT
fsr-3788	175	1	appropriately	appropriately	ADV
fsr-3788	175	2	managed	manage	VERB
fsr-3788	175	3	,	,	PUNCT
fsr-3788	175	4	enhanced	enhance	VERB
fsr-3788	175	5	cds	cd	NOUN
fsr-3788	175	6	are	be	AUX
fsr-3788	175	7	an	an	DET
fsr-3788	175	8	effective	effective	ADJ
fsr-3788	175	9	way	way	NOUN
fsr-3788	175	10	to	to	PART
fsr-3788	175	11	expand	expand	VERB
fsr-3788	175	12	market	market	NOUN
fsr-3788	175	13	share	share	NOUN
fsr-3788	175	14	and	and	CCONJ
fsr-3788	175	15	profitability	profitability	NOUN
fsr-3788	175	16	.	.	PUNCT
fsr-3788	176	1	in	in	ADP
fsr-3788	176	2	the	the	DET
fsr-3788	176	3	same	same	ADJ
fsr-3788	176	4	way	way	NOUN
fsr-3788	176	5	depositors	depositor	NOUN
fsr-3788	176	6	must	must	AUX
fsr-3788	176	7	understand	understand	VERB
fsr-3788	176	8	that	that	SCONJ
fsr-3788	176	9	even	even	ADV
fsr-3788	176	10	though	though	SCONJ
fsr-3788	176	11	they	they	PRON
fsr-3788	176	12	receive	receive	VERB
fsr-3788	176	13	a	a	DET
fsr-3788	176	14	lower	low	ADJ
fsr-3788	176	15	stated	state	VERB
fsr-3788	176	16	yield	yield	NOUN
fsr-3788	176	17	on	on	ADP
fsr-3788	176	18	enhanced	enhanced	ADJ
fsr-3788	176	19	cds	cd	NOUN
fsr-3788	176	20	,	,	PUNCT
fsr-3788	176	21	they	they	PRON
fsr-3788	176	22	are	be	AUX
fsr-3788	176	23	receiving	receive	VERB
fsr-3788	176	24	valuable	valuable	ADJ
fsr-3788	176	25	options	option	NOUN
fsr-3788	176	26	.	.	PUNCT
fsr-3788	177	1	these	these	DET
fsr-3788	177	2	options	option	NOUN
fsr-3788	177	3	increase	increase	VERB
fsr-3788	177	4	flexibility	flexibility	NOUN
fsr-3788	177	5	which	which	PRON
fsr-3788	177	6	,	,	PUNCT
fsr-3788	177	7	at	at	ADP
fsr-3788	177	8	times	time	NOUN
fsr-3788	177	9	,	,	PUNCT
fsr-3788	177	10	would	would	AUX
fsr-3788	177	11	be	be	AUX
fsr-3788	177	12	extremely	extremely	ADV
fsr-3788	177	13	valuable	valuable	ADJ
fsr-3788	177	14	to	to	ADP
fsr-3788	177	15	depositors	depositor	NOUN
fsr-3788	177	16	.	.	PUNCT
fsr-3788	178	1	one	one	NUM
fsr-3788	178	2	interesting	interesting	ADJ
fsr-3788	178	3	issue	issue	NOUN
fsr-3788	178	4	is	be	AUX
fsr-3788	178	5	the	the	DET
fsr-3788	178	6	failure	failure	NOUN
fsr-3788	178	7	of	of	ADP
fsr-3788	178	8	depositors	depositor	NOUN
fsr-3788	178	9	to	to	PART
fsr-3788	178	10	behave	behave	VERB
fsr-3788	178	11	rationally	rationally	ADV
fsr-3788	178	12	.	.	PUNCT
fsr-3788	179	1	anecdotal	anecdotal	ADJ
fsr-3788	179	2	evi	evi	NOUN
fsr-3788	179	3	dence	dence	NOUN
fsr-3788	179	4	from	from	ADP
fsr-3788	179	5	a	a	DET
fsr-3788	179	6	few	few	ADJ
fsr-3788	179	7	bankers	banker	NOUN
fsr-3788	179	8	suggests	suggest	VERB
fsr-3788	179	9	that	that	SCONJ
fsr-3788	179	10	depositors	depositor	NOUN
fsr-3788	179	11	will	will	AUX
fsr-3788	179	12	fail	fail	VERB
fsr-3788	179	13	to	to	PART
fsr-3788	179	14	exercise	exercise	VERB
fsr-3788	179	15	valuable	valuable	ADJ
fsr-3788	179	16	options	option	NOUN
fsr-3788	179	17	embedded	embed	VERB
fsr-3788	179	18	in	in	ADP
fsr-3788	179	19	cd	cd	NOUN
fsr-3788	179	20	products	product	NOUN
fsr-3788	179	21	.	.	PUNCT
fsr-3788	180	1	for	for	ADP
fsr-3788	180	2	example	example	NOUN
fsr-3788	180	3	,	,	PUNCT
fsr-3788	180	4	liquidity	liquidity	NOUN
fsr-3788	180	5	considerations	consideration	NOUN
fsr-3788	180	6	will	will	AUX
fsr-3788	180	7	cause	cause	VERB
fsr-3788	180	8	some	some	DET
fsr-3788	180	9	deposi	deposi	NOUN
fsr-3788	180	10	tors	tor	NOUN
fsr-3788	180	11	to	to	PART
fsr-3788	180	12	abandon	abandon	VERB
fsr-3788	180	13	valuable	valuable	ADJ
fsr-3788	180	14	embedded	embed	VERB
fsr-3788	180	15	options	option	NOUN
fsr-3788	180	16	.	.	PUNCT
fsr-3788	181	1	hence	hence	ADV
fsr-3788	181	2	,	,	PUNCT
fsr-3788	181	3	one	one	NUM
fsr-3788	181	4	interesting	interesting	ADJ
fsr-3788	181	5	benefit	benefit	NOUN
fsr-3788	181	6	to	to	ADP
fsr-3788	181	7	banks	bank	NOUN
fsr-3788	181	8	is	be	AUX
fsr-3788	181	9	offering	offer	VERB
fsr-3788	181	10	appropriately	appropriately	ADV
fsr-3788	181	11	priced	price	VERB
fsr-3788	181	12	embedded	embed	VERB
fsr-3788	181	13	options	option	NOUN
fsr-3788	181	14	and	and	CCONJ
fsr-3788	181	15	receiving	receive	VERB
fsr-3788	181	16	the	the	DET
fsr-3788	181	17	benefit	benefit	NOUN
fsr-3788	181	18	of	of	ADP
fsr-3788	181	19	depositors	depositor	NOUN
fsr-3788	181	20	lack	lack	VERB
fsr-3788	181	21	of	of	ADP
fsr-3788	181	22	optimal	optimal	ADJ
fsr-3788	181	23	exercise	exercise	NOUN
fsr-3788	181	24	.	.	PUNCT
fsr-3788	182	1	for	for	ADP
fsr-3788	182	2	example	example	NOUN
fsr-3788	182	3	,	,	PUNCT
fsr-3788	182	4	a	a	DET
fsr-3788	182	5	bank	bank	NOUN
fsr-3788	182	6	offered	offer	VERB
fsr-3788	182	7	a	a	DET
fsr-3788	182	8	two	two	NUM
fsr-3788	182	9	-	-	PUNCT
fsr-3788	182	10	year	year	NOUN
fsr-3788	182	11	cd	cd	NOUN
fsr-3788	182	12	product	product	NOUN
fsr-3788	182	13	with	with	ADP
fsr-3788	182	14	the	the	DET
fsr-3788	182	15	option	option	NOUN
fsr-3788	182	16	to	to	PART
fsr-3788	182	17	set	set	VERB
fsr-3788	182	18	the	the	DET
fsr-3788	182	19	rate	rate	NOUN
fsr-3788	182	20	higher	high	ADJ
fsr-3788	182	21	for	for	ADP
fsr-3788	182	22	a	a	DET
fsr-3788	182	23	few	few	ADJ
fsr-3788	182	24	weeks	week	NOUN
fsr-3788	182	25	after	after	ADP
fsr-3788	182	26	the	the	DET
fsr-3788	182	27	first	first	ADJ
fsr-3788	182	28	year	year	NOUN
fsr-3788	182	29	if	if	SCONJ
fsr-3788	182	30	one	one	NUM
fsr-3788	182	31	-	-	PUNCT
fsr-3788	182	32	year	year	NOUN
fsr-3788	182	33	cd	cd	NOUN
fsr-3788	182	34	rates	rate	NOUN
fsr-3788	182	35	had	have	AUX
fsr-3788	182	36	risen	rise	VERB
fsr-3788	182	37	after	after	ADP
fsr-3788	182	38	a	a	DET
fsr-3788	182	39	year	year	NOUN
fsr-3788	182	40	.	.	PUNCT
fsr-3788	183	1	this	this	DET
fsr-3788	183	2	product	product	NOUN
fsr-3788	183	3	was	be	AUX
fsr-3788	183	4	offered	offer	VERB
fsr-3788	183	5	in	in	ADP
fsr-3788	183	6	late	late	ADJ
fsr-3788	183	7	1993	1993	NUM
fsr-3788	183	8	.	.	PUNCT
fsr-3788	184	1	in	in	ADP
fsr-3788	184	2	late	late	ADJ
fsr-3788	184	3	1994	1994	NUM
fsr-3788	184	4	a	a	DET
fsr-3788	184	5	significant	significant	ADJ
fsr-3788	184	6	percent	percent	NOUN
fsr-3788	184	7	age	age	NOUN
fsr-3788	184	8	of	of	ADP
fsr-3788	184	9	cd	cd	PROPN
fsr-3788	184	10	customers	customer	NOUN
fsr-3788	184	11	failed	fail	VERB
fsr-3788	184	12	to	to	PART
fsr-3788	184	13	exercise	exercise	VERB
fsr-3788	184	14	their	their	PRON
fsr-3788	184	15	right	right	NOUN
fsr-3788	184	16	to	to	PART
fsr-3788	184	17	reset	reset	VERB
fsr-3788	184	18	the	the	DET
fsr-3788	184	19	interest	interest	NOUN
fsr-3788	184	20	rate	rate	NOUN
fsr-3788	184	21	higher	high	ADJ
fsr-3788	184	22	even	even	ADV
fsr-3788	184	23	though	though	SCONJ
fsr-3788	184	24	rates	rate	NOUN
fsr-3788	184	25	had	have	AUX
fsr-3788	184	26	risen	rise	VERB
fsr-3788	184	27	significantly	significantly	ADV
fsr-3788	184	28	.	.	PUNCT
fsr-3788	185	1	interestingly	interestingly	ADV
fsr-3788	185	2	,	,	PUNCT
fsr-3788	185	3	this	this	PRON
fsr-3788	185	4	suggests	suggest	VERB
fsr-3788	185	5	that	that	SCONJ
fsr-3788	185	6	two	two	NUM
fsr-3788	185	7	cd	cd	NOUN
fsr-3788	185	8	products	product	NOUN
fsr-3788	185	9	--	--	PUNCT
fsr-3788	185	10	one	one	NUM
fsr-3788	185	11	that	that	PRON
fsr-3788	185	12	resets	reset	VERB
fsr-3788	185	13	upward	upward	ADV
fsr-3788	185	14	automatically	automatically	ADV
fsr-3788	185	15	and	and	CCONJ
fsr-3788	185	16	one	one	NUM
fsr-3788	185	17	that	that	PRON
fsr-3788	185	18	requires	require	VERB
fsr-3788	185	19	the	the	DET
fsr-3788	185	20	depositor	depositor	NOUN
fsr-3788	185	21	to	to	PART
fsr-3788	185	22	request	request	VERB
fsr-3788	185	23	the	the	DET
fsr-3788	185	24	higher	high	ADJ
fsr-3788	185	25	rate	rate	NOUN
fsr-3788	185	26	-	-	PUNCT
fsr-3788	185	27	will	will	AUX
fsr-3788	185	28	have	have	VERB
fsr-3788	185	29	different	different	ADJ
fsr-3788	185	30	values	value	NOUN
fsr-3788	185	31	to	to	ADP
fsr-3788	185	32	the	the	DET
fsr-3788	185	33	bank	bank	NOUN
fsr-3788	185	34	.	.	PUNCT
fsr-3788	186	1	vi	vi	X
fsr-3788	186	2	.	.	NOUN
fsr-3788	186	3	concluding	conclude	VERB
fsr-3788	186	4	comments	comment	NOUN
fsr-3788	186	5	in	in	ADP
fsr-3788	186	6	summary	summary	NOUN
fsr-3788	186	7	,	,	PUNCT
fsr-3788	186	8	we	we	PRON
fsr-3788	186	9	examined	examine	VERB
fsr-3788	186	10	the	the	DET
fsr-3788	186	11	relative	relative	ADJ
fsr-3788	186	12	pricing	pricing	NOUN
fsr-3788	186	13	of	of	ADP
fsr-3788	186	14	enhanced	enhanced	ADJ
fsr-3788	186	15	cd	cd	NOUN
fsr-3788	186	16	products	product	NOUN
fsr-3788	186	17	.	.	PUNCT
fsr-3788	187	1	the	the	DET
fsr-3788	187	2	objective	objective	NOUN
fsr-3788	187	3	was	be	AUX
fsr-3788	187	4	to	to	PART
fsr-3788	187	5	provide	provide	VERB
fsr-3788	187	6	a	a	DET
fsr-3788	187	7	mechanism	mechanism	NOUN
fsr-3788	187	8	to	to	PART
fsr-3788	187	9	facilitate	facilitate	VERB
fsr-3788	187	10	comparison	comparison	NOUN
fsr-3788	187	11	of	of	ADP
fsr-3788	187	12	vastly	vastly	ADV
fsr-3788	187	13	different	different	ADJ
fsr-3788	187	14	cd	cd	NOUN
fsr-3788	187	15	products	product	NOUN
fsr-3788	187	16	.	.	PUNCT
fsr-3788	188	1	further	further	ADJ
fsr-3788	188	2	insights	insight	NOUN
fsr-3788	188	3	could	could	AUX
fsr-3788	188	4	be	be	AUX
fsr-3788	188	5	obtained	obtain	VERB
fsr-3788	188	6	if	if	SCONJ
fsr-3788	188	7	empirical	empirical	ADJ
fsr-3788	188	8	evidence	evidence	NOUN
fsr-3788	188	9	is	be	AUX
fsr-3788	188	10	gathered	gather	VERB
fsr-3788	188	11	from	from	ADP
fsr-3788	188	12	banks	bank	NOUN
fsr-3788	188	13	that	that	PRON
fsr-3788	188	14	offer	offer	VERB
fsr-3788	188	15	these	these	DET
fsr-3788	188	16	products	product	NOUN
fsr-3788	188	17	.	.	PUNCT
fsr-3788	189	1	this	this	DET
fsr-3788	189	2	research	research	NOUN
fsr-3788	189	3	is	be	AUX
fsr-3788	189	4	vital	vital	ADJ
fsr-3788	189	5	for	for	ADP
fsr-3788	189	6	bankers	banker	NOUN
fsr-3788	189	7	in	in	ADP
fsr-3788	189	8	their	their	PRON
fsr-3788	189	9	management	management	NOUN
fsr-3788	189	10	of	of	ADP
fsr-3788	189	11	the	the	DET
fsr-3788	189	12	resulting	result	VERB
fsr-3788	189	13	interest	interest	NOUN
fsr-3788	189	14	rate	rate	NOUN
fsr-3788	189	15	risk	risk	NOUN
fsr-3788	189	16	of	of	ADP
fsr-3788	189	17	enhanced	enhanced	ADJ
fsr-3788	189	18	cd	cd	NOUN
fsr-3788	189	19	offerings	offering	NOUN
fsr-3788	189	20	.	.	PUNCT
fsr-3788	190	1	for	for	ADP
fsr-3788	190	2	example	example	NOUN
fsr-3788	190	3	,	,	PUNCT
fsr-3788	190	4	a	a	DET
fsr-3788	190	5	five	five	NUM
fsr-3788	190	6	-	-	PUNCT
fsr-3788	190	7	year	year	NOUN
fsr-3788	190	8	cd	cd	NOUN
fsr-3788	190	9	with	with	ADP
fsr-3788	190	10	no	no	DET
fsr-3788	190	11	early	early	ADJ
fsr-3788	190	12	withdrawal	withdrawal	NOUN
fsr-3788	190	13	pen	pen	NOUN
fsr-3788	190	14	alty	alty	PROPN
fsr-3788	190	15	will	will	AUX
fsr-3788	190	16	have	have	VERB
fsr-3788	190	17	risk	risk	NOUN
fsr-3788	190	18	characteristics	characteristic	NOUN
fsr-3788	190	19	that	that	PRON
fsr-3788	190	20	are	be	AUX
fsr-3788	190	21	dramatically	dramatically	ADV
fsr-3788	190	22	different	different	ADJ
fsr-3788	190	23	from	from	ADP
fsr-3788	190	24	those	those	PRON
fsr-3788	190	25	of	of	ADP
fsr-3788	190	26	a	a	DET
fsr-3788	190	27	five	five	NUM
fsr-3788	190	28	-	-	PUNCT
fsr-3788	190	29	year	year	NOUN
fsr-3788	190	30	cd	cd	NOUN
fsr-3788	190	31	with	with	ADP
fsr-3788	190	32	a	a	DET
fsr-3788	190	33	high	high	ADJ
fsr-3788	190	34	early	early	ADJ
fsr-3788	190	35	withdrawal	withdrawal	NOUN
fsr-3788	190	36	penalty	penalty	NOUN
fsr-3788	190	37	.	.	PUNCT
fsr-3788	191	1	without	without	ADP
fsr-3788	191	2	a	a	DET
fsr-3788	191	3	viable	viable	ADJ
fsr-3788	191	4	method	method	NOUN
fsr-3788	191	5	to	to	PART
fsr-3788	191	6	evaluate	evaluate	VERB
fsr-3788	191	7	their	their	PRON
fsr-3788	191	8	enhanced	enhance	VERB
fsr-3788	191	9	cd	cd	NOUN
fsr-3788	191	10	products	product	NOUN
fsr-3788	191	11	,	,	PUNCT
fsr-3788	191	12	bankers	banker	NOUN
fsr-3788	191	13	can	can	AUX
fsr-3788	191	14	not	not	PART
fsr-3788	191	15	assess	assess	VERB
fsr-3788	191	16	the	the	DET
fsr-3788	191	17	interest	interest	NOUN
fsr-3788	191	18	rate	rate	NOUN
fsr-3788	191	19	risk	risk	NOUN
fsr-3788	191	20	of	of	ADP
fsr-3788	191	21	their	their	PRON
fsr-3788	191	22	institutions	institution	NOUN
fsr-3788	191	23	.	.	PUNCT
fsr-3788	192	1	computing	compute	VERB
fsr-3788	192	2	yieijs	yieijs	PROPN
fsr-3788	192	3	on	on	ADP
fsr-3788	192	4	enhanced	enhanced	ADJ
fsr-3788	192	5	cds	cd	NOUN
fsr-3788	192	6	41	41	NUM
fsr-3788	192	7	depositors	depositor	NOUN
fsr-3788	192	8	must	must	AUX
fsr-3788	192	9	realize	realize	VERB
fsr-3788	192	10	that	that	SCONJ
fsr-3788	192	11	there	there	PRON
fsr-3788	192	12	is	be	VERB
fsr-3788	192	13	more	more	ADJ
fsr-3788	192	14	than	than	ADP
fsr-3788	192	15	two	two	NUM
fsr-3788	192	16	dimensions	dimension	NOUN
fsr-3788	192	17	(	(	PUNCT
fsr-3788	192	18	yield	yield	NOUN
fsr-3788	192	19	and	and	CCONJ
fsr-3788	192	20	maturity	maturity	NOUN
fsr-3788	192	21	)	)	PUNCT
fsr-3788	192	22	when	when	SCONJ
fsr-3788	192	23	analyzing	analyze	VERB
fsr-3788	192	24	various	various	ADJ
fsr-3788	192	25	cd	cd	NOUN
fsr-3788	192	26	products	product	NOUN
fsr-3788	192	27	.	.	PUNCT
fsr-3788	193	1	depositors	depositor	NOUN
fsr-3788	193	2	are	be	AUX
fsr-3788	193	3	accustomed	accustomed	ADJ
fsr-3788	193	4	to	to	ADP
fsr-3788	193	5	choosing	choose	VERB
fsr-3788	193	6	a	a	DET
fsr-3788	193	7	maturity	maturity	NOUN
fsr-3788	193	8	but	but	CCONJ
fsr-3788	193	9	now	now	ADV
fsr-3788	193	10	must	must	AUX
fsr-3788	193	11	assess	assess	VERB
fsr-3788	193	12	the	the	DET
fsr-3788	193	13	type	type	NOUN
fsr-3788	193	14	of	of	ADP
fsr-3788	193	15	rate	rate	NOUN
fsr-3788	193	16	,	,	PUNCT
fsr-3788	193	17	fixed	fix	VERB
fsr-3788	193	18	or	or	CCONJ
fsr-3788	193	19	floating	float	VERB
fsr-3788	193	20	,	,	PUNCT
fsr-3788	193	21	and	and	CCONJ
fsr-3788	193	22	the	the	DET
fsr-3788	193	23	value	value	NOUN
fsr-3788	193	24	they	they	PRON
fsr-3788	193	25	place	place	VERB
fsr-3788	193	26	on	on	ADP
fsr-3788	193	27	liquidity	liquidity	NOUN
fsr-3788	193	28	.	.	PUNCT
fsr-3788	194	1	if	if	SCONJ
fsr-3788	194	2	nothing	nothing	PRON
fsr-3788	194	3	else	else	ADV
fsr-3788	194	4	,	,	PUNCT
fsr-3788	194	5	cds	cd	NOUN
fsr-3788	194	6	are	be	AUX
fsr-3788	194	7	no	no	ADV
fsr-3788	194	8	longer	long	ADV
fsr-3788	194	9	a	a	DET
fsr-3788	194	10	mundane	mundane	ADJ
fsr-3788	194	11	security	security	NOUN
fsr-3788	194	12	.	.	PUNCT
fsr-3788	195	1	appendix	appendix	VERB
fsr-3788	195	2	a	a	DET
fsr-3788	195	3	sketch	sketch	NOUN
fsr-3788	195	4	of	of	ADP
fsr-3788	195	5	valuing	value	VERB
fsr-3788	195	6	the	the	DET
fsr-3788	195	7	enhanced	enhanced	ADJ
fsr-3788	195	8	cd	cd	NOUN
fsr-3788	195	9	we	we	PRON
fsr-3788	195	10	use	use	VERB
fsr-3788	195	11	the	the	DET
fsr-3788	195	12	following	following	ADJ
fsr-3788	195	13	notations	notation	NOUN
fsr-3788	195	14	:	:	PUNCT
fsr-3788	195	15	current	current	ADJ
fsr-3788	195	16	value	value	NOUN
fsr-3788	195	17	of	of	ADP
fsr-3788	195	18	cd	cd	PROPN
fsr-3788	195	19	;	;	PUNCT
fsr-3788	195	20	maturity	maturity	NOUN
fsr-3788	195	21	of	of	ADP
fsr-3788	195	22	cd	cd	PROPN
fsr-3788	195	23	in	in	ADP
fsr-3788	195	24	years	year	NOUN
fsr-3788	195	25	;	;	PUNCT
fsr-3788	195	26	reference	reference	NOUN
fsr-3788	195	27	interest	interest	NOUN
fsr-3788	195	28	rate	rate	NOUN
fsr-3788	195	29	at	at	ADP
fsr-3788	195	30	time	time	NOUN
fsr-3788	195	31	s	s	PART
fsr-3788	195	32	;	;	PUNCT
fsr-3788	195	33	ceiling	ceiling	NOUN
fsr-3788	195	34	interest	interest	NOUN
fsr-3788	195	35	rate	rate	NOUN
fsr-3788	195	36	at	at	ADP
fsr-3788	195	37	time	time	NOUN
fsr-3788	195	38	s	s	PART
fsr-3788	195	39	;	;	PUNCT
fsr-3788	195	40	floor	floor	NOUN
fsr-3788	195	41	interest	interest	NOUN
fsr-3788	195	42	rate	rate	NOUN
fsr-3788	195	43	at	at	ADP
fsr-3788	195	44	time	time	NOUN
fsr-3788	195	45	s	s	PART
fsr-3788	195	46	;	;	PUNCT
fsr-3788	195	47	periodic	periodic	ADJ
fsr-3788	195	48	interest	interest	NOUN
fsr-3788	195	49	rate	rate	NOUN
fsr-3788	195	50	(	(	PUNCT
fsr-3788	195	51	or	or	CCONJ
fsr-3788	195	52	coupon	coupon	NOUN
fsr-3788	195	53	)	)	PUNCT
fsr-3788	195	54	paid	pay	VERB
fsr-3788	195	55	for	for	ADP
fsr-3788	195	56	the	the	DET
fsr-3788	195	57	cd	cd	PROPN
fsr-3788	195	58	;	;	PUNCT
fsr-3788	195	59	appropriate	appropriate	ADJ
fsr-3788	195	60	deposit	deposit	NOUN
fsr-3788	195	61	amount	amount	NOUN
fsr-3788	195	62	upon	upon	SCONJ
fsr-3788	195	63	which	which	PRON
fsr-3788	195	64	to	to	PART
fsr-3788	195	65	compute	compute	VERB
fsr-3788	195	66	interest	interest	NOUN
fsr-3788	195	67	payment	payment	NOUN
fsr-3788	195	68	;	;	PUNCT
fsr-3788	195	69	indicator	indicator	NOUN
fsr-3788	195	70	function	function	NOUN
fsr-3788	195	71	based	base	VERB
fsr-3788	195	72	on	on	ADP
fsr-3788	195	73	whether	whether	SCONJ
fsr-3788	195	74	the	the	DET
fsr-3788	195	75	cd	cd	PROPN
fsr-3788	195	76	can	can	AUX
fsr-3788	195	77	be	be	AUX
fsr-3788	195	78	reset	reset	VERB
fsr-3788	195	79	(	(	PUNCT
fsr-3788	195	80	denoted	denote	VERB
fsr-3788	195	81	by	by	ADP
fsr-3788	195	82	r	r	NOUN
fsr-3788	195	83	)	)	PUNCT
fsr-3788	195	84	;	;	PUNCT
fsr-3788	195	85	price	price	NOUN
fsr-3788	195	86	of	of	ADP
fsr-3788	195	87	cd	cd	PROPN
fsr-3788	195	88	at	at	ADP
fsr-3788	195	89	t	t	PROPN
fsr-3788	195	90	based	base	VERB
fsr-3788	195	91	on	on	ADP
fsr-3788	195	92	the	the	DET
fsr-3788	195	93	ceiling	ceiling	NOUN
fsr-3788	195	94	rate	rate	NOUN
fsr-3788	195	95	,	,	PUNCT
fsr-3788	195	96	c	c	NOUN
fsr-3788	195	97	;	;	PUNCT
fsr-3788	195	98	price	price	NOUN
fsr-3788	195	99	of	of	ADP
fsr-3788	195	100	cd	cd	PROPN
fsr-3788	195	101	at	at	ADP
fsr-3788	195	102	t	t	PROPN
fsr-3788	195	103	based	base	VERB
fsr-3788	195	104	on	on	ADP
fsr-3788	195	105	the	the	DET
fsr-3788	195	106	floor	floor	NOUN
fsr-3788	195	107	rate	rate	NOUN
fsr-3788	195	108	,	,	PUNCT
fsr-3788	195	109	f	f	NOUN
fsr-3788	195	110	;	;	PUNCT
fsr-3788	195	111	price	price	NOUN
fsr-3788	195	112	of	of	ADP
fsr-3788	195	113	the	the	DET
fsr-3788	195	114	cd	cd	PROPN
fsr-3788	195	115	at	at	ADP
fsr-3788	195	116	t	t	PROPN
fsr-3788	195	117	based	base	VERB
fsr-3788	195	118	on	on	ADP
fsr-3788	195	119	the	the	DET
fsr-3788	195	120	current	current	ADJ
fsr-3788	195	121	market	market	NOUN
fsr-3788	195	122	interest	interest	NOUN
fsr-3788	195	123	rate	rate	NOUN
fsr-3788	195	124	,	,	PUNCT
fsr-3788	195	125	r(t	r(t	NOUN
fsr-3788	195	126	)	)	PUNCT
fsr-3788	195	127	;	;	PUNCT
fsr-3788	195	128	dollar	dollar	NOUN
fsr-3788	195	129	interest	interest	NOUN
fsr-3788	195	130	penalty	penalty	NOUN
fsr-3788	195	131	at	at	ADP
fsr-3788	195	132	t	t	PROPN
fsr-3788	195	133	for	for	ADP
fsr-3788	195	134	early	early	ADJ
fsr-3788	195	135	withdrawal	withdrawal	NOUN
fsr-3788	195	136	;	;	PUNCT
fsr-3788	195	137	and	and	CCONJ
fsr-3788	195	138	accrued	accrue	VERB
fsr-3788	195	139	interest	interest	NOUN
fsr-3788	195	140	since	since	SCONJ
fsr-3788	195	141	last	last	ADJ
fsr-3788	195	142	interest	interest	NOUN
fsr-3788	195	143	payment	payment	NOUN
fsr-3788	195	144	(	(	PUNCT
fsr-3788	195	145	accrued	accrue	VERB
fsr-3788	195	146	at	at	ADP
fsr-3788	195	147	the	the	DET
fsr-3788	195	148	appropriate	appropriate	ADJ
fsr-3788	195	149	interest	interest	NOUN
fsr-3788	195	150	rate	rate	NOUN
fsr-3788	195	151	)	)	PUNCT
fsr-3788	195	152	.	.	PUNCT
fsr-3788	196	1	the	the	DET
fsr-3788	196	2	model	model	NOUN
fsr-3788	196	3	developed	develop	VERB
fsr-3788	196	4	here	here	ADV
fsr-3788	196	5	is	be	AUX
fsr-3788	196	6	based	base	VERB
fsr-3788	196	7	on	on	ADP
fsr-3788	196	8	the	the	DET
fsr-3788	196	9	following	follow	VERB
fsr-3788	196	10	major	major	ADJ
fsr-3788	196	11	assumptions	assumption	NOUN
fsr-3788	196	12	:	:	PUNCT
fsr-3788	197	1	1	1	X
fsr-3788	197	2	.	.	PUNCT
fsr-3788	197	3	the	the	DET
fsr-3788	197	4	reference	reference	NOUN
fsr-3788	197	5	interest	interest	NOUN
fsr-3788	197	6	rate	rate	NOUN
fsr-3788	197	7	follows	follow	VERB
fsr-3788	197	8	a	a	DET
fsr-3788	197	9	multiplicative	multiplicative	ADJ
fsr-3788	197	10	binomial	binomial	ADJ
fsr-3788	197	11	process	process	NOUN
fsr-3788	197	12	that	that	PRON
fsr-3788	197	13	con	con	PROPN
fsr-3788	197	14	verges	verge	VERB
fsr-3788	197	15	to	to	ADP
fsr-3788	197	16	a	a	DET
fsr-3788	197	17	bivariate	bivariate	ADJ
fsr-3788	197	18	lognormal	lognormal	ADJ
fsr-3788	197	19	density	density	NOUN
fsr-3788	197	20	as	as	SCONJ
fsr-3788	197	21	the	the	DET
fsr-3788	197	22	time	time	NOUN
fsr-3788	197	23	step	step	NOUN
fsr-3788	197	24	tends	tend	VERB
fsr-3788	197	25	to	to	ADP
fsr-3788	197	26	zero	zero	NUM
fsr-3788	197	27	;	;	PUNCT
fsr-3788	197	28	2	2	X
fsr-3788	197	29	.	.	X
fsr-3788	197	30	the	the	DET
fsr-3788	197	31	appropriate	appropriate	ADJ
fsr-3788	197	32	discount	discount	NOUN
fsr-3788	197	33	rate	rate	NOUN
fsr-3788	197	34	is	be	AUX
fsr-3788	197	35	the	the	DET
fsr-3788	197	36	reference	reference	NOUN
fsr-3788	197	37	interest	interest	NOUN
fsr-3788	197	38	rate	rate	NOUN
fsr-3788	197	39	;	;	PUNCT
fsr-3788	197	40	and	and	CCONJ
fsr-3788	198	1	3	3	X
fsr-3788	198	2	.	.	X
fsr-3788	199	1	markets	market	NOUN
fsr-3788	199	2	are	be	AUX
fsr-3788	199	3	complete	complete	ADJ
fsr-3788	199	4	and	and	CCONJ
fsr-3788	199	5	riskless	riskless	NOUN
fsr-3788	199	6	arbitrage	arbitrage	NOUN
fsr-3788	199	7	opportunities	opportunity	NOUN
fsr-3788	199	8	do	do	AUX
fsr-3788	199	9	not	not	PART
fsr-3788	199	10	exist	exist	VERB
fsr-3788	199	11	.	.	PUNCT
fsr-3788	200	1	this	this	DET
fsr-3788	200	2	analysis	analysis	NOUN
fsr-3788	200	3	could	could	AUX
fsr-3788	200	4	easily	easily	ADV
fsr-3788	200	5	be	be	AUX
fsr-3788	200	6	adjusted	adjust	VERB
fsr-3788	200	7	to	to	PART
fsr-3788	200	8	handle	handle	VERB
fsr-3788	200	9	a	a	DET
fsr-3788	200	10	discount	discount	NOUN
fsr-3788	200	11	rate	rate	NOUN
fsr-3788	200	12	at	at	ADP
fsr-3788	200	13	a	a	DET
fsr-3788	200	14	fixed	fix	VERB
fsr-3788	200	15	spread	spread	NOUN
fsr-3788	200	16	to	to	ADP
fsr-3788	200	17	the	the	DET
fsr-3788	200	18	reference	reference	NOUN
fsr-3788	200	19	interest	interest	NOUN
fsr-3788	200	20	rate	rate	NOUN
fsr-3788	200	21	.	.	PUNCT
fsr-3788	201	1	for	for	ADP
fsr-3788	201	2	example	example	NOUN
fsr-3788	201	3	,	,	PUNCT
fsr-3788	201	4	the	the	DET
fsr-3788	201	5	reference	reference	NOUN
fsr-3788	201	6	interest	interest	NOUN
fsr-3788	201	7	rate	rate	NOUN
fsr-3788	201	8	may	may	AUX
fsr-3788	201	9	be	be	AUX
fsr-3788	201	10	13	13	NUM
fsr-3788	201	11	-	-	PUNCT
fsr-3788	201	12	week	week	NOUN
fsr-3788	201	13	treasury	treasury	NOUN
fsr-3788	201	14	bills	bill	NOUN
fsr-3788	201	15	and	and	CCONJ
fsr-3788	201	16	the	the	DET
fsr-3788	201	17	appropriate	appropriate	ADJ
fsr-3788	201	18	discount	discount	NOUN
fsr-3788	201	19	rate	rate	NOUN
fsr-3788	201	20	is	be	AUX
fsr-3788	201	21	approximately	approximately	ADV
fsr-3788	201	22	50	50	NUM
fsr-3788	201	23	basis	basis	NOUN
fsr-3788	201	24	point	point	NOUN
fsr-3788	201	25	under	under	ADP
fsr-3788	201	26	13	13	NUM
fsr-3788	201	27	-	-	PUNCT
fsr-3788	201	28	week	week	NOUN
fsr-3788	201	29	bills	bill	NOUN
fsr-3788	201	30	.	.	PUNCT
fsr-3788	202	1	using	use	VERB
fsr-3788	202	2	standard	standard	ADJ
fsr-3788	202	3	present	present	ADJ
fsr-3788	202	4	value	value	NOUN
fsr-3788	202	5	arguments	argument	NOUN
fsr-3788	202	6	and	and	CCONJ
fsr-3788	202	7	rational	rational	ADJ
fsr-3788	202	8	behavior	behavior	NOUN
fsr-3788	202	9	by	by	ADP
fsr-3788	202	10	depositors	depositor	NOUN
fsr-3788	202	11	,	,	PUNCT
fsr-3788	202	12	we	we	PRON
fsr-3788	202	13	can	can	AUX
fsr-3788	202	14	value	value	VERB
fsr-3788	202	15	the	the	DET
fsr-3788	202	16	cd	cd	PROPN
fsr-3788	202	17	as	as	SCONJ
fsr-3788	202	18	follows	follow	VERB
fsr-3788	202	19	:	:	PUNCT
fsr-3788	202	20	t	t	PROPN
fsr-3788	202	21	f	f	PROPN
fsr-3788	202	22	r(s)ds	r(s)ds	ADV
fsr-3788	202	23	po	po	NOUN
fsr-3788	203	1	=	=	SYM
fsr-3788	203	2	b	b	PROPN
fsr-3788	203	3	o	o	NOUN
fsr-3788	204	1	[	[	X
fsr-3788	204	2	dpwc,(c(t	dpwc,(c(t	NOUN
fsr-3788	204	3	)	)	PUNCT
fsr-3788	204	4	)	)	PUNCT
fsr-3788	204	5	,	,	PUNCT
fsr-3788	204	6	mdc	mdc	NOUN
fsr-3788	204	7	,	,	PUNCT
fsr-3788	204	8	cf(t	cf(t	NOUN
fsr-3788	204	9	)	)	PUNCT
fsr-3788	204	10	)	)	PUNCT
fsr-3788	204	11	,	,	PUNCT
fsr-3788	204	12	c,(dt	c,(dt	PROPN
fsr-3788	204	13	)	)	PUNCT
fsr-3788	204	14	)	)	PUNCT
fsr-3788	204	15	)	)	PUNCT
fsr-3788	204	16	)	)	PUNCT
fsr-3788	204	17	0	0	PUNCT
fsr-3788	205	1	+	+	CCONJ
fsr-3788	205	2	~,([rl){max(d	~,([rl){max(d	NUM
fsr-3788	205	3	,	,	PUNCT
fsr-3788	205	4	-dp	-dp	X
fsr-3788	205	5	,	,	PUNCT
fsr-3788	205	6	+	+	CCONJ
fsr-3788	205	7	az	az	PROPN
fsr-3788	205	8	,	,	PUNCT
fsr-3788	205	9	,	,	PUNCT
fsr-3788	205	10	min(p	min(p	PROPN
fsr-3788	205	11	,	,	PUNCT
fsr-3788	205	12	t	t	PROPN
fsr-3788	205	13	,	,	PUNCT
fsr-3788	205	14	max(p	max(p	NOUN
fsr-3788	205	15	’	'	PUNCT
fsr-3788	205	16	1	1	NUM
fsr-3788	205	17	,	,	PUNCT
fsr-3788	205	18	p	p	X
fsr-3788	205	19	,	,	PUNCT
fsr-3788	205	20	,	,	PUNCT
fsr-3788	205	21	,	,	PUNCT
fsr-3788	205	22	)	)	PUNCT
fsr-3788	205	23	)	)	PUNCT
fsr-3788	205	24	)	)	PUNCT
fsr-3788	205	25	}	}	PUNCT
fsr-3788	206	1	]	]	X
fsr-3788	206	2	dt	dt	X
fsr-3788	206	3	.	.	PUNCT
fsr-3788	206	4	42	42	NUM
fsr-3788	206	5	financial	financial	ADJ
fsr-3788	206	6	services	service	NOUN
fsr-3788	206	7	review	review	VERB
fsr-3788	206	8	5	5	NUM
fsr-3788	206	9	(	(	PUNCT
fsr-3788	206	10	1	1	NUM
fsr-3788	206	11	)	)	PUNCT
fsr-3788	206	12	1996	1996	NUM
fsr-3788	206	13	this	this	DET
fsr-3788	206	14	cd	cd	PROPN
fsr-3788	206	15	valuation	valuation	NOUN
fsr-3788	206	16	model	model	NOUN
fsr-3788	206	17	is	be	AUX
fsr-3788	206	18	implemented	implement	VERB
fsr-3788	206	19	using	use	VERB
fsr-3788	206	20	a	a	DET
fsr-3788	206	21	standard	standard	ADJ
fsr-3788	206	22	recombining	recombining	ADJ
fsr-3788	206	23	binomial	binomial	ADJ
fsr-3788	206	24	lat	lat	NOUN
fsr-3788	206	25	tice	tice	NOUN
fsr-3788	206	26	.	.	PUNCT
fsr-3788	207	1	this	this	DET
fsr-3788	207	2	binomial	binomial	ADJ
fsr-3788	207	3	method	method	NOUN
fsr-3788	207	4	applied	apply	VERB
fsr-3788	207	5	to	to	ADP
fsr-3788	207	6	interest	interest	NOUN
fsr-3788	207	7	rate	rate	NOUN
fsr-3788	207	8	securities	security	NOUN
fsr-3788	207	9	is	be	AUX
fsr-3788	207	10	known	know	VERB
fsr-3788	207	11	to	to	PART
fsr-3788	207	12	be	be	AUX
fsr-3788	207	13	slightly	slightly	ADV
fsr-3788	207	14	biased	biased	ADJ
fsr-3788	207	15	(	(	PUNCT
fsr-3788	207	16	e.g.	e.g.	ADV
fsr-3788	207	17	,	,	PUNCT
fsr-3788	207	18	see	see	VERB
fsr-3788	207	19	windas	winda	NOUN
fsr-3788	207	20	,	,	PUNCT
fsr-3788	207	21	1993	1993	NUM
fsr-3788	207	22	)	)	PUNCT
fsr-3788	207	23	.	.	PUNCT
fsr-3788	208	1	we	we	PRON
fsr-3788	208	2	adjust	adjust	VERB
fsr-3788	208	3	for	for	ADP
fsr-3788	208	4	this	this	DET
fsr-3788	208	5	bias	bias	NOUN
fsr-3788	208	6	to	to	PART
fsr-3788	208	7	make	make	VERB
fsr-3788	208	8	the	the	DET
fsr-3788	208	9	standard	standard	ADJ
fsr-3788	208	10	cd	cd	NOUN
fsr-3788	208	11	product	product	NOUN
fsr-3788	208	12	value	value	NOUN
fsr-3788	208	13	at	at	ADP
fsr-3788	208	14	par	par	NOUN
fsr-3788	208	15	whether	whether	SCONJ
fsr-3788	208	16	it	it	PRON
fsr-3788	208	17	is	be	AUX
fsr-3788	208	18	a	a	DET
fsr-3788	208	19	fixed	fix	VERB
fsr-3788	208	20	-	-	PUNCT
fsr-3788	208	21	rate	rate	NOUN
fsr-3788	208	22	cd	cd	NOUN
fsr-3788	208	23	or	or	CCONJ
fsr-3788	208	24	a	a	DET
fsr-3788	208	25	floating	float	VERB
fsr-3788	208	26	-	-	PUNCT
fsr-3788	208	27	rate	rate	NOUN
fsr-3788	208	28	cd	cd	PROPN
fsr-3788	208	29	.	.	PUNCT
fsr-3788	209	1	acknowledgments	acknowledgment	NOUN
fsr-3788	209	2	:	:	PUNCT
fsr-3788	209	3	the	the	DET
fsr-3788	209	4	author	author	NOUN
fsr-3788	209	5	gratefully	gratefully	ADV
fsr-3788	209	6	acknowledges	acknowledge	VERB
fsr-3788	209	7	the	the	DET
fsr-3788	209	8	helpful	helpful	ADJ
fsr-3788	209	9	comments	comment	NOUN
fsr-3788	209	10	of	of	ADP
fsr-3788	209	11	the	the	DET
fsr-3788	209	12	journal	journal	PROPN
fsr-3788	209	13	editor	editor	NOUN
fsr-3788	209	14	karen	karen	PROPN
fsr-3788	209	15	eilers	eilers	PROPN
fsr-3788	209	16	lahey	lahey	PROPN
fsr-3788	209	17	,	,	PUNCT
fsr-3788	209	18	journal	journal	NOUN
fsr-3788	209	19	referees	referee	NOUN
fsr-3788	209	20	,	,	PUNCT
fsr-3788	209	21	jon	jon	PROPN
fsr-3788	209	22	carter	carter	PROPN
fsr-3788	209	23	,	,	PUNCT
fsr-3788	209	24	lawrence	lawrence	PROPN
fsr-3788	209	25	co&ran	co&ran	PROPN
fsr-3788	209	26	,	,	PUNCT
fsr-3788	209	27	cindy	cindy	PROPN
fsr-3788	209	28	russo	russo	PROPN
fsr-3788	209	29	,	,	PUNCT
fsr-3788	209	30	benton	benton	PROPN
fsr-3788	209	31	gup	gup	PROPN
fsr-3788	209	32	,	,	PUNCT
fsr-3788	209	33	billy	billy	PROPN
fsr-3788	209	34	helms	helm	NOUN
fsr-3788	209	35	,	,	PUNCT
fsr-3788	209	36	hazel	hazel	PROPN
fsr-3788	209	37	johnson	johnson	PROPN
fsr-3788	209	38	,	,	PUNCT
fsr-3788	209	39	robert	robert	PROPN
fsr-3788	209	40	mcleod	mcleod	PROPN
fsr-3788	209	41	,	,	PUNCT
fsr-3788	209	42	pat	pat	PROPN
fsr-3788	209	43	rudolph	rudolph	PROPN
fsr-3788	209	44	,	,	PUNCT
fsr-3788	209	45	and	and	CCONJ
fsr-3788	209	46	darin	darin	PROPN
fsr-3788	209	47	white	white	PROPN
fsr-3788	209	48	.	.	PUNCT
fsr-3788	210	1	the	the	DET
fsr-3788	210	2	author	author	NOUN
fsr-3788	210	3	also	also	ADV
fsr-3788	210	4	appreciates	appreciate	VERB
fsr-3788	210	5	the	the	DET
fsr-3788	210	6	assistance	assistance	NOUN
fsr-3788	210	7	of	of	ADP
fsr-3788	210	8	pradeep	pradeep	PROPN
fsr-3788	210	9	kumar	kumar	PROPN
fsr-3788	210	10	.	.	PUNCT
fsr-3788	211	1	references	reference	NOUN
fsr-3788	211	2	asinof	asinof	PROPN
fsr-3788	211	3	,	,	PUNCT
fsr-3788	211	4	l.	l.	PROPN
fsr-3788	211	5	(	(	PUNCT
fsr-3788	211	6	1996	1996	NUM
fsr-3788	211	7	,	,	PUNCT
fsr-3788	211	8	may	may	AUX
fsr-3788	211	9	2	2	NUM
fsr-3788	211	10	)	)	PUNCT
fsr-3788	211	11	.	.	PUNCT
fsr-3788	212	1	yields	yield	NOUN
fsr-3788	212	2	on	on	ADP
fsr-3788	212	3	cds	cd	NOUN
fsr-3788	212	4	lag	lag	VERB
fsr-3788	212	5	behind	behind	ADP
fsr-3788	212	6	rate	rate	NOUN
fsr-3788	212	7	increase	increase	NOUN
fsr-3788	212	8	.	.	PUNCT
fsr-3788	213	1	wall	wall	PROPN
fsr-3788	213	2	street	street	PROPN
fsr-3788	213	3	journal	journal	PROPN
fsr-3788	213	4	,	,	PUNCT
fsr-3788	213	5	pp	pp	PROPN
fsr-3788	213	6	.	.	PUNCT
fsr-3788	214	1	cl	cl	PROPN
fsr-3788	214	2	&	&	CCONJ
fsr-3788	214	3	c15	c15	PROPN
fsr-3788	214	4	.	.	PUNCT
fsr-3788	215	1	black	black	PROPN
fsr-3788	215	2	,	,	PUNCT
fsr-3788	215	3	f.	f.	PROPN
fsr-3788	215	4	,	,	PUNCT
fsr-3788	215	5	&	&	CCONJ
fsr-3788	215	6	scholes	scholes	PROPN
fsr-3788	215	7	,	,	PUNCT
fsr-3788	215	8	m.	m.	NOUN
fsr-3788	215	9	(	(	PUNCT
fsr-3788	215	10	1973	1973	NUM
fsr-3788	215	11	)	)	PUNCT
fsr-3788	215	12	.	.	PUNCT
fsr-3788	216	1	the	the	DET
fsr-3788	216	2	pricing	pricing	NOUN
fsr-3788	216	3	of	of	ADP
fsr-3788	216	4	options	option	NOUN
fsr-3788	216	5	and	and	CCONJ
fsr-3788	216	6	corporate	corporate	ADJ
fsr-3788	216	7	liabilities	liability	NOUN
fsr-3788	216	8	.	.	PUNCT
fsr-3788	217	1	journal	journal	NOUN
fsr-3788	217	2	of	of	ADP
fsr-3788	217	3	political	political	ADJ
fsr-3788	217	4	economy	economy	NOUN
fsr-3788	217	5	,	,	PUNCT
fsr-3788	217	6	81,637	81,637	NUM
fsr-3788	217	7	-	-	SYM
fsr-3788	217	8	654	654	NUM
fsr-3788	217	9	.	.	PUNCT
fsr-3788	218	1	brooks	brooks	PROPN
fsr-3788	218	2	,	,	PUNCT
fsr-3788	218	3	r.	r.	PROPN
fsr-3788	218	4	,	,	PUNCT
fsr-3788	218	5	&	&	CCONJ
fsr-3788	218	6	white	white	PROPN
fsr-3788	218	7	,	,	PUNCT
fsr-3788	218	8	d.	d.	PROPN
fsr-3788	218	9	(	(	PUNCT
fsr-3788	218	10	1996	1996	NUM
fsr-3788	218	11	)	)	PUNCT
fsr-3788	218	12	.	.	PUNCT
fsr-3788	219	1	do	do	AUX
fsr-3788	219	2	n’t	not	PART
fsr-3788	219	3	copy	copy	VERB
fsr-3788	219	4	competition	competition	NOUN
fsr-3788	219	5	:	:	PUNCT
fsr-3788	219	6	lead	lead	VERB
fsr-3788	219	7	with	with	ADP
fsr-3788	219	8	new	new	ADJ
fsr-3788	219	9	products	product	NOUN
fsr-3788	219	10	.	.	PUNCT
fsr-3788	220	1	bank	bank	NOUN
fsr-3788	220	2	marketing	marketing	NOUN
fsr-3788	220	3	,	,	PUNCT
fsr-3788	220	4	28(5	28(5	NUM
fsr-3788	220	5	)	)	PUNCT
fsr-3788	220	6	,	,	PUNCT
fsr-3788	220	7	13	13	NUM
fsr-3788	220	8	-	-	SYM
fsr-3788	220	9	17	17	NUM
fsr-3788	220	10	cook	cook	NOUN
fsr-3788	220	11	,	,	PUNCT
fsr-3788	220	12	d.o	d.o	PROPN
fsr-3788	220	13	..	..	PROPN
fsr-3788	220	14	&	&	CCONJ
fsr-3788	220	15	spellman	spellman	PROPN
fsr-3788	220	16	,	,	PUNCT
fsr-3788	220	17	l.	l.	PROPN
fsr-3788	220	18	(	(	PUNCT
fsr-3788	220	19	1991	1991	NUM
fsr-3788	220	20	)	)	PUNCT
fsr-3788	220	21	.	.	PUNCT
fsr-3788	221	1	federal	federal	ADJ
fsr-3788	221	2	financial	financial	ADJ
fsr-3788	221	3	guarantees	guarantee	NOUN
fsr-3788	221	4	and	and	CCONJ
fsr-3788	221	5	the	the	DET
fsr-3788	221	6	occasional	occasional	ADJ
fsr-3788	221	7	market	market	NOUN
fsr-3788	221	8	pricing	pricing	NOUN
fsr-3788	221	9	of	of	ADP
fsr-3788	221	10	default	default	NOUN
fsr-3788	221	11	risk	risk	NOUN
fsr-3788	221	12	:	:	PUNCT
fsr-3788	221	13	evidence	evidence	NOUN
fsr-3788	221	14	from	from	ADP
fsr-3788	221	15	insured	insured	ADJ
fsr-3788	221	16	deposits	deposit	NOUN
fsr-3788	221	17	.	.	PUNCT
fsr-3788	222	1	joumul	joumul	NOUN
fsr-3788	222	2	of	of	ADP
fsr-3788	222	3	banking	banking	NOUN
fsr-3788	222	4	and	and	CCONJ
fsr-3788	222	5	finance	finance	NOUN
fsr-3788	222	6	,	,	PUNCT
fsr-3788	222	7	15(6	15(6	NUM
fsr-3788	222	8	)	)	PUNCT
fsr-3788	222	9	,	,	PUNCT
fsr-3788	222	10	1113	1113	NUM
fsr-3788	222	11	1130	1130	NUM
fsr-3788	222	12	.	.	PUNCT
fsr-3788	223	1	cook	cook	PROPN
fsr-3788	223	2	,	,	PUNCT
fsr-3788	223	3	d.o	d.o	PROPN
fsr-3788	223	4	.	.	PROPN
fsr-3788	223	5	,	,	PUNCT
fsr-3788	223	6	&	&	CCONJ
fsr-3788	223	7	spellman	spellman	PROPN
fsr-3788	223	8	,	,	PUNCT
fsr-3788	223	9	l.	l.	PROPN
fsr-3788	223	10	(	(	PUNCT
fsr-3788	223	11	1994	1994	NUM
fsr-3788	223	12	)	)	PUNCT
fsr-3788	223	13	.	.	PUNCT
fsr-3788	224	1	repudiation	repudiation	NOUN
fsr-3788	224	2	risk	risk	NOUN
fsr-3788	224	3	and	and	CCONJ
fsr-3788	224	4	restitution	restitution	NOUN
fsr-3788	224	5	costs	cost	NOUN
fsr-3788	224	6	:	:	PUNCT
fsr-3788	224	7	toward	toward	ADP
fsr-3788	224	8	understanding	understand	VERB
fsr-3788	224	9	premiums	premium	NOUN
fsr-3788	224	10	on	on	ADP
fsr-3788	224	11	insured	insured	ADJ
fsr-3788	224	12	deposits	deposit	NOUN
fsr-3788	224	13	.	.	PUNCT
fsr-3788	225	1	journal	journal	NOUN
fsr-3788	225	2	of	of	ADP
fsr-3788	225	3	money	money	NOUN
fsr-3788	225	4	,	,	PUNCT
fsr-3788	225	5	credit	credit	NOUN
fsr-3788	225	6	and	and	CCONJ
fsr-3788	225	7	banking	banking	NOUN
fsr-3788	225	8	,	,	PUNCT
fsr-3788	225	9	26(3	26(3	NUM
fsr-3788	225	10	)	)	PUNCT
fsr-3788	225	11	,	,	PUNCT
fsr-3788	225	12	439	439	NUM
fsr-3788	225	13	-	-	SYM
fsr-3788	225	14	459	459	NUM
fsr-3788	225	15	.	.	PUNCT
fsr-3788	226	1	coopertnan	coopertnan	PROPN
fsr-3788	226	2	,	,	PUNCT
fsr-3788	226	3	e.s	e.s	PROPN
fsr-3788	226	4	.	.	PROPN
fsr-3788	226	5	,	,	PUNCT
fsr-3788	226	6	lee	lee	PROPN
fsr-3788	226	7	,	,	PUNCT
fsr-3788	226	8	w.b	w.b	PROPN
fsr-3788	226	9	.	.	PROPN
fsr-3788	226	10	,	,	PUNCT
fsr-3788	226	11	&	&	CCONJ
fsr-3788	226	12	wolfe	wolfe	PROPN
fsr-3788	226	13	,	,	PUNCT
fsr-3788	226	14	g.a	g.a	PROPN
fsr-3788	226	15	.	.	PROPN
fsr-3788	226	16	(	(	PUNCT
fsr-3788	226	17	1992	1992	NUM
fsr-3788	226	18	)	)	PUNCT
fsr-3788	226	19	.	.	PUNCT
fsr-3788	227	1	the	the	DET
fsr-3788	227	2	1985	1985	NUM
fsr-3788	227	3	ohio	ohio	PROPN
fsr-3788	227	4	thrift	thrift	NOUN
fsr-3788	227	5	crisis	crisis	NOUN
fsr-3788	227	6	,	,	PUNCT
fsr-3788	227	7	the	the	DET
fsr-3788	227	8	fslic	fslic	NOUN
fsr-3788	227	9	’s	’s	PART
fsr-3788	227	10	sol	sol	NOUN
fsr-3788	227	11	vency	vency	NOUN
fsr-3788	227	12	,	,	PUNCT
fsr-3788	227	13	and	and	CCONJ
fsr-3788	227	14	rate	rate	NOUN
fsr-3788	227	15	contagion	contagion	NOUN
fsr-3788	227	16	for	for	ADP
fsr-3788	227	17	retail	retail	ADJ
fsr-3788	227	18	cds	cd	NOUN
fsr-3788	227	19	.	.	PUNCT
fsr-3788	228	1	journal	journal	PROPN
fsr-3788	228	2	of	of	ADP
fsr-3788	228	3	finance	finance	NOUN
fsr-3788	228	4	,	,	PUNCT
fsr-3788	228	5	47(3	47(3	NOUN
fsr-3788	228	6	)	)	PUNCT
fsr-3788	228	7	,	,	PUNCT
fsr-3788	228	8	919	919	NUM
fsr-3788	228	9	-	-	SYM
fsr-3788	228	10	1082	1082	NUM
fsr-3788	228	11	.	.	PUNCT
fsr-3788	229	1	courtadon	courtadon	PROPN
fsr-3788	229	2	,	,	PUNCT
fsr-3788	229	3	9	9	NUM
fsr-3788	229	4	.	.	PUNCT
fsr-3788	229	5	(	(	PUNCT
fsr-3788	229	6	1993	1993	NUM
fsr-3788	229	7	)	)	PUNCT
fsr-3788	229	8	.	.	PUNCT
fsr-3788	230	1	a	a	DET
fsr-3788	230	2	survey	survey	NOUN
fsr-3788	230	3	of	of	ADP
fsr-3788	230	4	bond	bond	NOUN
fsr-3788	230	5	option	option	NOUN
fsr-3788	230	6	pricing	pricing	NOUN
fsr-3788	230	7	models	model	NOUN
fsr-3788	230	8	.	.	PUNCT
fsr-3788	231	1	in	in	ADP
fsr-3788	231	2	r.j	r.j	PROPN
fsr-3788	231	3	.	.	PROPN
fsr-3788	231	4	schwartz	schwartz	PROPN
fsr-3788	231	5	&	&	CCONJ
fsr-3788	231	6	c.w	c.w	PROPN
fsr-3788	231	7	.	.	PROPN
fsr-3788	231	8	smith	smith	PROPN
fsr-3788	231	9	(	(	PUNCT
fsr-3788	231	10	eds	eds	PROPN
fsr-3788	231	11	.	.	PUNCT
fsr-3788	231	12	)	)	PUNCT
fsr-3788	231	13	,	,	PUNCT
fsr-3788	231	14	advanced	advanced	ADJ
fsr-3788	231	15	strategies	strategy	NOUN
fsr-3788	231	16	in	in	ADP
fsr-3788	231	17	financial	financial	ADJ
fsr-3788	231	18	risk	risk	NOUN
fsr-3788	231	19	management	management	NOUN
fsr-3788	231	20	(	(	PUNCT
fsr-3788	231	21	pp	pp	ADJ
fsr-3788	231	22	.	.	PUNCT
fsr-3788	231	23	3	3	NUM
fsr-3788	231	24	-	-	SYM
fsr-3788	231	25	67	67	NUM
fsr-3788	231	26	)	)	PUNCT
fsr-3788	231	27	.	.	PUNCT
fsr-3788	232	1	new	new	PROPN
fsr-3788	232	2	york	york	PROPN
fsr-3788	232	3	:	:	PUNCT
fsr-3788	232	4	new	new	PROPN
fsr-3788	232	5	york	york	PROPN
fsr-3788	232	6	institute	institute	PROPN
fsr-3788	232	7	of	of	ADP
fsr-3788	232	8	finance	finance	PROPN
fsr-3788	232	9	.	.	PUNCT
fsr-3788	233	1	currier	currier	NOUN
fsr-3788	233	2	,	,	PUNCT
fsr-3788	233	3	c.	c.	PROPN
fsr-3788	233	4	(	(	PUNCT
fsr-3788	233	5	1987	1987	NUM
fsr-3788	233	6	)	)	PUNCT
fsr-3788	233	7	.	.	PUNCT
fsr-3788	234	1	the	the	DET
fsr-3788	234	2	investor	investor	NOUN
fsr-3788	234	3	’s	’s	PART
fsr-3788	234	4	encyclopedia	encyclopedia	NOUN
fsr-3788	234	5	.	.	PUNCT
fsr-3788	235	1	new	new	PROPN
fsr-3788	235	2	york	york	PROPN
fsr-3788	235	3	:	:	PUNCT
fsr-3788	235	4	business	business	NOUN
fsr-3788	235	5	news	news	PROPN
fsr-3788	235	6	.	.	PUNCT
fsr-3788	236	1	famham	famham	PROPN
fsr-3788	236	2	,	,	PUNCT
fsr-3788	236	3	a.	a.	NOUN
fsr-3788	236	4	(	(	PUNCT
fsr-3788	236	5	1994	1994	NUM
fsr-3788	236	6	)	)	PUNCT
fsr-3788	236	7	.	.	PUNCT
fsr-3788	237	1	a	a	DET
fsr-3788	237	2	bang	bang	NOUN
fsr-3788	237	3	for	for	ADP
fsr-3788	237	4	your	your	PRON
fsr-3788	237	5	buck	buck	NOUN
fsr-3788	237	6	in	in	ADP
fsr-3788	237	7	boulder	boulder	NOUN
fsr-3788	237	8	.	.	PUNCT
fsr-3788	238	1	fortune	fortune	PROPN
fsr-3788	238	2	,	,	PUNCT
fsr-3788	238	3	130(2	130(2	NUM
fsr-3788	238	4	)	)	PUNCT
fsr-3788	238	5	,	,	PUNCT
fsr-3788	238	6	17	17	NUM
fsr-3788	238	7	-	-	SYM
fsr-3788	238	8	20	20	NUM
fsr-3788	238	9	.	.	PUNCT
fsr-3788	238	10	fraser	fraser	NOUN
fsr-3788	238	11	,	,	PUNCT
fsr-3788	238	12	p.	p.	NOUN
fsr-3788	238	13	(	(	PUNCT
fsr-3788	238	14	1995	1995	NUM
fsr-3788	238	15	)	)	PUNCT
fsr-3788	238	16	.	.	PUNCT
fsr-3788	239	1	an	an	DET
fsr-3788	239	2	empirical	empirical	ADJ
fsr-3788	239	3	analysis	analysis	NOUN
fsr-3788	239	4	of	of	ADP
fsr-3788	239	5	the	the	DET
fsr-3788	239	6	relationship	relationship	NOUN
fsr-3788	239	7	between	between	ADP
fsr-3788	239	8	uk	uk	PROPN
fsr-3788	239	9	treasury	treasury	PROPN
fsr-3788	239	10	bills	bill	NOUN
fsr-3788	239	11	and	and	CCONJ
fsr-3788	239	12	the	the	DET
fsr-3788	239	13	term	term	NOUN
fsr-3788	239	14	structure	structure	NOUN
fsr-3788	239	15	of	of	ADP
fsr-3788	239	16	certificates	certificate	NOUN
fsr-3788	239	17	of	of	ADP
fsr-3788	239	18	deposit	deposit	NOUN
fsr-3788	239	19	.	.	PUNCT
fsr-3788	240	1	bulletin	bulletin	NOUN
fsr-3788	240	2	of	of	ADP
fsr-3788	240	3	economic	economic	ADJ
fsr-3788	240	4	research	research	NOUN
fsr-3788	240	5	,	,	PUNCT
fsr-3788	240	6	47(2	47(2	PROPN
fsr-3788	240	7	)	)	PUNCT
fsr-3788	240	8	,	,	PUNCT
fsr-3788	240	9	143	143	NUM
fsr-3788	240	10	-	-	SYM
fsr-3788	240	11	160	160	NUM
fsr-3788	240	12	.	.	PUNCT
fsr-3788	241	1	fung	fung	PROPN
fsr-3788	241	2	,	,	PUNCT
fsr-3788	241	3	h.-g	h.-g	PROPN
fsr-3788	241	4	.	.	PROPN
fsr-3788	241	5	,	,	PUNCT
fsr-3788	241	6	&	&	CCONJ
fsr-3788	241	7	isberg	isberg	PROPN
fsr-3788	241	8	,	,	PUNCT
fsr-3788	241	9	s.c	s.c	PROPN
fsr-3788	241	10	.	.	PROPN
fsr-3788	241	11	(	(	PUNCT
fsr-3788	241	12	1992	1992	NUM
fsr-3788	241	13	)	)	PUNCT
fsr-3788	241	14	.	.	PUNCT
fsr-3788	242	1	the	the	DET
fsr-3788	242	2	international	international	ADJ
fsr-3788	242	3	transmission	transmission	NOUN
fsr-3788	242	4	of	of	ADP
fsr-3788	242	5	eurodollar	eurodollar	PROPN
fsr-3788	242	6	and	and	CCONJ
fsr-3788	242	7	u.s	u.s	PROPN
fsr-3788	242	8	.	.	PROPN
fsr-3788	242	9	interest	interest	NOUN
fsr-3788	242	10	rates	rate	NOUN
fsr-3788	242	11	:	:	PUNCT
fsr-3788	242	12	a	a	DET
fsr-3788	242	13	cointegration	cointegration	NOUN
fsr-3788	242	14	analysis	analysis	NOUN
fsr-3788	242	15	.	.	PUNCT
fsr-3788	243	1	journal	journal	NOUN
fsr-3788	243	2	of	of	ADP
fsr-3788	243	3	banking	banking	NOUN
fsr-3788	243	4	and	and	CCONJ
fsr-3788	243	5	finance	finance	NOUN
fsr-3788	243	6	,	,	PUNCT
fsr-3788	243	7	16(4	16(4	NUM
fsr-3788	243	8	)	)	PUNCT
fsr-3788	243	9	,	,	PUNCT
fsr-3788	243	10	757	757	PROPN
fsr-3788	243	11	-	-	SYM
fsr-3788	243	12	769	769	NUM
fsr-3788	243	13	.	.	PUNCT
fsr-3788	244	1	ho	ho	PROPN
fsr-3788	244	2	,	,	PUNCT
fsr-3788	244	3	t.s.y	t.s.y	NOUN
fsr-3788	244	4	.	.	PUNCT
fsr-3788	245	1	(	(	PUNCT
fsr-3788	245	2	1995	1995	NUM
fsr-3788	245	3	)	)	PUNCT
fsr-3788	245	4	.	.	PUNCT
fsr-3788	246	1	evolution	evolution	NOUN
fsr-3788	246	2	of	of	ADP
fsr-3788	246	3	interest	interest	NOUN
fsr-3788	246	4	rate	rate	NOUN
fsr-3788	246	5	models	model	NOUN
fsr-3788	246	6	:	:	PUNCT
fsr-3788	246	7	a	a	DET
fsr-3788	246	8	comparison	comparison	NOUN
fsr-3788	246	9	.	.	PUNCT
fsr-3788	247	1	journal	journal	NOUN
fsr-3788	247	2	of	of	ADP
fsr-3788	247	3	derivatives	derivative	NOUN
fsr-3788	247	4	,	,	PUNCT
fsr-3788	247	5	summer	summer	NOUN
fsr-3788	247	6	,	,	PUNCT
fsr-3788	247	7	9	9	NUM
fsr-3788	247	8	-	-	SYM
fsr-3788	247	9	20	20	NUM
fsr-3788	247	10	.	.	PUNCT
fsr-3788	248	1	knez	knez	PROPN
fsr-3788	248	2	,	,	PUNCT
fsr-3788	248	3	p.j	p.j	PROPN
fsr-3788	248	4	.	.	PROPN
fsr-3788	248	5	,	,	PUNCT
fsr-3788	248	6	litterman	litterman	PROPN
fsr-3788	248	7	,	,	PUNCT
fsr-3788	248	8	r.	r.	PROPN
fsr-3788	248	9	,	,	PUNCT
fsr-3788	248	10	&	&	CCONJ
fsr-3788	248	11	scheinkman	scheinkman	PROPN
fsr-3788	248	12	,	,	PUNCT
fsr-3788	248	13	j.	j.	PROPN
fsr-3788	248	14	(	(	PUNCT
fsr-3788	248	15	1994	1994	NUM
fsr-3788	248	16	)	)	PUNCT
fsr-3788	248	17	.	.	PUNCT
fsr-3788	249	1	explorations	exploration	NOUN
fsr-3788	249	2	into	into	ADP
fsr-3788	249	3	factors	factor	NOUN
fsr-3788	249	4	explaining	explain	VERB
fsr-3788	249	5	money	money	NOUN
fsr-3788	249	6	market	market	NOUN
fsr-3788	249	7	returns	return	NOUN
fsr-3788	249	8	.	.	PUNCT
fsr-3788	250	1	journal	journal	NOUN
fsr-3788	250	2	of	of	ADP
fsr-3788	250	3	finance	finance	NOUN
fsr-3788	250	4	,	,	PUNCT
fsr-3788	250	5	49(.5	49(.5	NUM
fsr-3788	250	6	)	)	PUNCT
fsr-3788	250	7	,	,	PUNCT
fsr-3788	250	8	1861	1861	NUM
fsr-3788	250	9	-	-	SYM
fsr-3788	250	10	1882	1882	NUM
fsr-3788	250	11	.	.	PUNCT
fsr-3788	251	1	o’connell	o’connell	INTJ
fsr-3788	251	2	,	,	PUNCT
fsr-3788	251	3	v.	v.	PROPN
fsr-3788	251	4	(	(	PUNCT
fsr-3788	251	5	1994	1994	NUM
fsr-3788	251	6	)	)	PUNCT
fsr-3788	251	7	.	.	PUNCT
fsr-3788	252	1	turn	turn	VERB
fsr-3788	252	2	a	a	DET
fsr-3788	252	3	deaf	deaf	ADJ
fsr-3788	252	4	ear	ear	NOUN
fsr-3788	252	5	to	to	ADP
fsr-3788	252	6	these	these	DET
fsr-3788	252	7	jazzy	jazzy	ADJ
fsr-3788	252	8	new	new	ADJ
fsr-3788	252	9	cds	cd	NOUN
fsr-3788	252	10	.	.	PUNCT
fsr-3788	253	1	money	money	NOUN
fsr-3788	253	2	,	,	PUNCT
fsr-3788	253	3	23(8	23(8	NOUN
fsr-3788	253	4	)	)	PUNCT
fsr-3788	253	5	,	,	PUNCT
fsr-3788	253	6	30	30	NUM
fsr-3788	253	7	.	.	PUNCT
fsr-3788	254	1	peterson	peterson	PROPN
fsr-3788	254	2	bank	bank	PROPN
fsr-3788	254	3	successful	successful	ADJ
fsr-3788	254	4	in	in	ADP
fsr-3788	254	5	world	world	PROPN
fsr-3788	254	6	cup	cup	PROPN
fsr-3788	254	7	marketing	marketing	NOUN
fsr-3788	254	8	foray	foray	ADJ
fsr-3788	254	9	.	.	PUNCT
fsr-3788	255	1	(	(	PUNCT
fsr-3788	255	2	1994	1994	NUM
fsr-3788	255	3	)	)	PUNCT
fsr-3788	255	4	.	.	PUNCT
fsr-3788	256	1	bank	bank	NOUN
fsr-3788	256	2	marketing	marketing	NOUN
fsr-3788	256	3	,	,	PUNCT
fsr-3788	256	4	26(8	26(8	NUM
fsr-3788	256	5	)	)	PUNCT
fsr-3788	256	6	,	,	PUNCT
fsr-3788	256	7	6	6	NUM
fsr-3788	256	8	.	.	X
fsr-3788	256	9	tuckman	tuckman	NOUN
fsr-3788	256	10	,	,	PUNCT
fsr-3788	256	11	b.	b.	PROPN
fsr-3788	256	12	(	(	PUNCT
fsr-3788	256	13	1995	1995	NUM
fsr-3788	256	14	)	)	PUNCT
fsr-3788	256	15	.	.	PUNCT
fsr-3788	257	1	fixed	fix	VERB
fsr-3788	257	2	income	income	NOUN
fsr-3788	257	3	securities	security	NOUN
fsr-3788	257	4	tools	tool	NOUN
fsr-3788	257	5	for	for	ADP
fsr-3788	257	6	today	today	NOUN
fsr-3788	257	7	’s	’s	PART
fsr-3788	257	8	markets	market	NOUN
fsr-3788	257	9	.	.	PUNCT
fsr-3788	258	1	new	new	PROPN
fsr-3788	258	2	york	york	PROPN
fsr-3788	258	3	:	:	PUNCT
fsr-3788	259	1	john	john	PROPN
fsr-3788	259	2	wiley	wiley	PROPN
fsr-3788	259	3	8~	8~	PROPN
fsr-3788	259	4	sons	son	NOUN
fsr-3788	259	5	.	.	PUNCT
fsr-3788	260	1	windas	windas	PROPN
fsr-3788	260	2	,	,	PUNCT
fsr-3788	260	3	t.	t.	PROPN
fsr-3788	260	4	(	(	PUNCT
fsr-3788	260	5	1993	1993	NUM
fsr-3788	260	6	)	)	PUNCT
fsr-3788	260	7	.	.	PUNCT
fsr-3788	261	1	an	an	DET
fsr-3788	261	2	introduction	introduction	NOUN
fsr-3788	261	3	to	to	ADP
fsr-3788	261	4	option	option	NOUN
fsr-3788	261	5	-	-	PUNCT
fsr-3788	261	6	adjusted	adjust	VERB
fsr-3788	261	7	spread	spread	VERB
fsr-3788	261	8	analysis	analysis	NOUN
fsr-3788	261	9	.	.	PUNCT
fsr-3788	262	1	new	new	PROPN
fsr-3788	262	2	york	york	PROPN
fsr-3788	262	3	:	:	PUNCT
fsr-3788	262	4	bloomberg	bloomberg	PROPN
fsr-3788	262	5	l.p	l.p	PROPN
fsr-3788	262	6	.	.	PUNCT