id	sid	tid	token	lemma	pos
fsr-3807	1	1	pii	pii	PROPN
fsr-3807	1	2	:	:	PUNCT
fsr-3807	1	3	s1057	s1057	NOUN
fsr-3807	1	4	-	-	PUNCT
fsr-3807	1	5	0810(97)90031	0810(97)90031	NOUN
fsr-3807	1	6	-	-	PUNCT
fsr-3807	1	7	7	7	NUM
fsr-3807	1	8	financial	financial	ADJ
fsr-3807	1	9	services	service	NOUN
fsr-3807	1	10	review	review	NOUN
fsr-3807	1	11	,	,	PUNCT
fsr-3807	1	12	6(1	6(1	NUM
fsr-3807	1	13	):	):	PUNCT
fsr-3807	1	14	41	41	NUM
fsr-3807	1	15	-	-	SYM
fsr-3807	1	16	52	52	NUM
fsr-3807	1	17	issn	issn	NOUN
fsr-3807	1	18	:	:	PUNCT
fsr-3807	1	19	1057	1057	NUM
fsr-3807	1	20	-	-	SYM
fsr-3807	1	21	0810	0810	NUM
fsr-3807	1	22	copyright	copyright	NOUN
fsr-3807	1	23	©	©	ADP
fsr-3807	1	24	1997	1997	NUM
fsr-3807	1	25	by	by	ADP
fsr-3807	1	26	jai	jai	PROPN
fsr-3807	1	27	press	press	PROPN
fsr-3807	1	28	inc	inc	PROPN
fsr-3807	1	29	,	,	PUNCT
fsr-3807	1	30	all	all	DET
fsr-3807	1	31	rights	right	NOUN
fsr-3807	1	32	of	of	ADP
fsr-3807	1	33	reproduction	reproduction	NOUN
fsr-3807	1	34	in	in	ADP
fsr-3807	1	35	any	any	DET
fsr-3807	1	36	form	form	NOUN
fsr-3807	1	37	xeserved	xeserve	VERB
fsr-3807	1	38	.	.	PUNCT
fsr-3807	2	1	financial	financial	ADJ
fsr-3807	2	2	planning	planning	NOUN
fsr-3807	2	3	and	and	CCONJ
fsr-3807	2	4	college	college	NOUN
fsr-3807	2	5	saving	save	VERB
fsr-3807	2	6	recommendations	recommendation	NOUN
fsr-3807	2	7	:	:	PUNCT
fsr-3807	2	8	let	let	VERB
fsr-3807	2	9	's	us	PRON
fsr-3807	2	10	set	set	VERB
fsr-3807	2	11	things	thing	NOUN
fsr-3807	2	12	straight	straight	ADJ
fsr-3807	2	13	thomas	thomas	PROPN
fsr-3807	2	14	h.	h.	PROPN
fsr-3807	2	15	eyssell	eyssell	PROPN
fsr-3807	2	16	continuing	continue	VERB
fsr-3807	2	17	increases	increase	NOUN
fsr-3807	2	18	in	in	ADP
fsr-3807	2	19	the	the	DET
fsr-3807	2	20	cost	cost	NOUN
fsr-3807	2	21	o	o	NOUN
fsr-3807	2	22	f	f	X
fsr-3807	2	23	higher	high	ADJ
fsr-3807	2	24	education	education	NOUN
fsr-3807	2	25	,	,	PUNCT
fsr-3807	2	26	along	along	ADP
fsr-3807	2	27	with	with	ADP
fsr-3807	2	28	an	an	DET
fsr-3807	2	29	ever	ever	ADV
fsr-3807	2	30	-	-	PUNCT
fsr-3807	2	31	changing	change	VERB
fsr-3807	2	32	financial	financial	ADJ
fsr-3807	2	33	aid	aid	NOUN
fsr-3807	2	34	environment	environment	NOUN
fsr-3807	2	35	,	,	PUNCT
fsr-3807	2	36	suggest	suggest	VERB
fsr-3807	2	37	that	that	SCONJ
fsr-3807	2	38	financial	financial	ADJ
fsr-3807	2	39	planning	planning	NOUN
fsr-3807	2	40	is	be	AUX
fsr-3807	2	41	more	more	ADV
fsr-3807	2	42	important	important	ADJ
fsr-3807	2	43	than	than	ADP
fsr-3807	2	44	ever	ever	ADV
fsr-3807	2	45	for	for	ADP
fsr-3807	2	46	those	those	PRON
fsr-3807	2	47	seeking	seek	VERB
fsr-3807	2	48	to	to	PART
fsr-3807	2	49	send	send	VERB
fsr-3807	2	50	a	a	DET
fsr-3807	2	51	child	child	NOUN
fsr-3807	2	52	to	to	ADP
fsr-3807	2	53	college	college	NOUN
fsr-3807	2	54	.	.	PUNCT
fsr-3807	3	1	one	one	NUM
fsr-3807	3	2	commonly	commonly	ADV
fsr-3807	3	3	used	use	VERB
fsr-3807	3	4	aid	aid	NOUN
fsr-3807	3	5	to	to	ADP
fsr-3807	3	6	the	the	DET
fsr-3807	3	7	financial	financial	ADJ
fsr-3807	3	8	planner	planner	NOUN
fsr-3807	3	9	is	be	AUX
fsr-3807	3	10	the	the	DET
fsr-3807	3	11	"	"	PUNCT
fsr-3807	3	12	college	college	NOUN
fsr-3807	3	13	savings	saving	NOUN
fsr-3807	3	14	table	table	NOUN
fsr-3807	3	15	,	,	PUNCT
fsr-3807	3	16	"	"	PUNCT
fsr-3807	3	17	which	which	PRON
fsr-3807	3	18	is	be	AUX
fsr-3807	3	19	ubiquitous	ubiquitous	ADJ
fsr-3807	3	20	in	in	ADP
fsr-3807	3	21	both	both	CCONJ
fsr-3807	3	22	the	the	DET
fsr-3807	3	23	popular	popular	ADJ
fsr-3807	3	24	press	press	NOUN
fsr-3807	3	25	,	,	PUNCT
fsr-3807	3	26	as	as	ADV
fsr-3807	3	27	well	well	ADV
fsr-3807	3	28	as	as	ADP
fsr-3807	3	29	the	the	DET
fsr-3807	3	30	literature	literature	NOUN
fsr-3807	3	31	geared	gear	VERB
fsr-3807	3	32	toward	toward	ADP
fsr-3807	3	33	financial	financial	ADJ
fsr-3807	3	34	planners	planner	NOUN
fsr-3807	3	35	.	.	PUNCT
fsr-3807	4	1	although	although	SCONJ
fsr-3807	4	2	they	they	PRON
fsr-3807	4	3	are	be	AUX
fsr-3807	4	4	intended	intend	VERB
fsr-3807	4	5	to	to	PART
fsr-3807	4	6	simplify	simplify	VERB
fsr-3807	4	7	the	the	DET
fsr-3807	4	8	planning	planning	NOUN
fsr-3807	4	9	process	process	NOUN
fsr-3807	4	10	,	,	PUNCT
fsr-3807	4	11	some	some	PRON
fsr-3807	4	12	of	of	ADP
fsr-3807	4	13	these	these	DET
fsr-3807	4	14	tables	table	NOUN
fsr-3807	4	15	may	may	AUX
fsr-3807	4	16	lead	lead	VERB
fsr-3807	4	17	to	to	ADP
fsr-3807	4	18	misallocation	misallocation	NOUN
fsr-3807	4	19	o	o	NOUN
fsr-3807	4	20	f	f	PROPN
fsr-3807	4	21	family	family	NOUN
fsr-3807	4	22	resources	resource	NOUN
fsr-3807	4	23	.	.	PUNCT
fsr-3807	5	1	the	the	DET
fsr-3807	5	2	tables	table	NOUN
fsr-3807	5	3	generally	generally	ADV
fsr-3807	5	4	purport	purport	VERB
fsr-3807	5	5	to	to	PART
fsr-3807	5	6	show	show	VERB
fsr-3807	5	7	how	how	SCONJ
fsr-3807	5	8	much	much	ADJ
fsr-3807	5	9	money	money	NOUN
fsr-3807	5	10	parents	parent	NOUN
fsr-3807	5	11	must	must	AUX
fsr-3807	5	12	save	save	VERB
fsr-3807	5	13	monthly	monthly	ADV
fsr-3807	5	14	to	to	PART
fsr-3807	5	15	fund	fund	VERB
fsr-3807	5	16	four	four	NUM
fsr-3807	5	17	years	year	NOUN
fsr-3807	5	18	of	of	ADP
fsr-3807	5	19	college	college	NOUN
fsr-3807	5	20	at	at	ADP
fsr-3807	5	21	a	a	DET
fsr-3807	5	22	specified	specified	ADJ
fsr-3807	5	23	future	future	ADJ
fsr-3807	5	24	date	date	NOUN
fsr-3807	5	25	.	.	PUNCT
fsr-3807	6	1	we	we	PRON
fsr-3807	6	2	demonstrate	demonstrate	VERB
fsr-3807	6	3	that	that	SCONJ
fsr-3807	6	4	these	these	DET
fsr-3807	6	5	tables	table	NOUN
fsr-3807	6	6	often	often	ADV
fsr-3807	6	7	employ	employ	VERB
fsr-3807	6	8	flawed	flawed	ADJ
fsr-3807	6	9	methodology	methodology	NOUN
fsr-3807	6	10	.	.	PUNCT
fsr-3807	7	1	upon	upon	SCONJ
fsr-3807	7	2	correction	correction	NOUN
fsr-3807	7	3	(	(	PUNCT
fsr-3807	7	4	and	and	CCONJ
fsr-3807	7	5	given	give	VERB
fsr-3807	7	6	reasonable	reasonable	ADJ
fsr-3807	7	7	assumptions	assumption	NOUN
fsr-3807	7	8	about	about	ADP
fsr-3807	7	9	investor	investor	NOUN
fsr-3807	7	10	behavior	behavior	NOUN
fsr-3807	7	11	,	,	PUNCT
fsr-3807	7	12	growth	growth	NOUN
fsr-3807	7	13	rates	rate	NOUN
fsr-3807	7	14	in	in	ADP
fsr-3807	7	15	tuition	tuition	NOUN
fsr-3807	7	16	costs	cost	NOUN
fsr-3807	7	17	,	,	PUNCT
fsr-3807	7	18	and	and	CCONJ
fsr-3807	7	19	investment	investment	NOUN
fsr-3807	7	20	yields	yield	NOUN
fsr-3807	7	21	)	)	PUNCT
fsr-3807	7	22	,	,	PUNCT
fsr-3807	7	23	the	the	DET
fsr-3807	7	24	monthly	monthly	ADJ
fsr-3807	7	25	savings	saving	NOUN
fsr-3807	7	26	necessary	necessary	ADJ
fsr-3807	7	27	to	to	PART
fsr-3807	7	28	fund	fund	VERB
fsr-3807	7	29	a	a	DET
fsr-3807	7	30	given	give	VERB
fsr-3807	7	31	level	level	NOUN
fsr-3807	7	32	of	of	ADP
fsr-3807	7	33	college	college	NOUN
fsr-3807	7	34	expenses	expense	NOUN
fsr-3807	7	35	can	can	AUX
fsr-3807	7	36	be	be	AUX
fsr-3807	7	37	substantially	substantially	ADV
fsr-3807	7	38	less	less	ADJ
fsr-3807	7	39	than	than	ADP
fsr-3807	7	40	those	those	PRON
fsr-3807	7	41	reported	report	VERB
fsr-3807	7	42	.	.	PUNCT
fsr-3807	8	1	additionally	additionally	ADV
fsr-3807	8	2	,	,	PUNCT
fsr-3807	8	3	published	publish	VERB
fsr-3807	8	4	tables	table	NOUN
fsr-3807	8	5	typically	typically	ADV
fsr-3807	8	6	provide	provide	VERB
fsr-3807	8	7	the	the	DET
fsr-3807	8	8	planner	planner	NOUN
fsr-3807	8	9	with	with	ADP
fsr-3807	8	10	a	a	DET
fsr-3807	8	11	limited	limited	ADJ
fsr-3807	8	12	range	range	NOUN
fsr-3807	8	13	o	o	NOUN
fsr-3807	8	14	f	f	X
fsr-3807	8	15	investment	investment	NOUN
fsr-3807	8	16	yield	yield	NOUN
fsr-3807	8	17	assumptions	assumption	NOUN
fsr-3807	8	18	,	,	PUNCT
fsr-3807	8	19	suggesting	suggest	VERB
fsr-3807	8	20	a	a	DET
fsr-3807	8	21	narrow	narrow	ADJ
fsr-3807	8	22	range	range	NOUN
fsr-3807	8	23	of	of	ADP
fsr-3807	8	24	porrfolio	porrfolio	ADJ
fsr-3807	8	25	possibilities	possibility	NOUN
fsr-3807	8	26	.	.	PUNCT
fsr-3807	9	1	we	we	PRON
fsr-3807	9	2	provide	provide	VERB
fsr-3807	9	3	a	a	DET
fsr-3807	9	4	series	series	NOUN
fsr-3807	9	5	of	of	ADP
fsr-3807	9	6	tables	table	NOUN
fsr-3807	9	7	which	which	PRON
fsr-3807	9	8	allow	allow	VERB
fsr-3807	9	9	the	the	DET
fsr-3807	9	10	financial	financial	ADJ
fsr-3807	9	11	planner	planner	NOUN
fsr-3807	9	12	to	to	PART
fsr-3807	9	13	estimate	estimate	VERB
fsr-3807	9	14	required	required	ADJ
fsr-3807	9	15	savings	saving	NOUN
fsr-3807	9	16	for	for	ADP
fsr-3807	9	17	various	various	ADJ
fsr-3807	9	18	combinations	combination	NOUN
fsr-3807	9	19	of	of	ADP
fsr-3807	9	20	investment	investment	NOUN
fsr-3807	9	21	yields	yield	NOUN
fsr-3807	9	22	and	and	CCONJ
fsr-3807	9	23	tuition	tuition	NOUN
fsr-3807	9	24	growth	growth	NOUN
fsr-3807	9	25	rates	rate	NOUN
fsr-3807	9	26	.	.	PUNCT
fsr-3807	10	1	"	"	PUNCT
fsr-3807	10	2	there	there	PRON
fsr-3807	10	3	are	be	VERB
fsr-3807	10	4	135	135	NUM
fsr-3807	10	5	billionaires	billionaire	NOUN
fsr-3807	10	6	on	on	ADP
fsr-3807	10	7	the	the	DET
fsr-3807	10	8	[	[	X
fsr-3807	10	9	forbes	forbes	NOUN
fsr-3807	10	10	400	400	NUM
fsr-3807	10	11	]	]	PUNCT
fsr-3807	10	12	list	list	NOUN
fsr-3807	10	13	.	.	PUNCT
fsr-3807	11	1	the	the	DET
fsr-3807	11	2	others	other	NOUN
fsr-3807	11	3	have	have	VERB
fsr-3807	11	4	kids	kid	NOUN
fsr-3807	11	5	in	in	ADP
fsr-3807	11	6	college	college	NOUN
fsr-3807	11	7	.	.	PUNCT
fsr-3807	12	1	"-	"-	PROPN
fsr-3807	12	2	entertainment	entertainment	PROPN
fsr-3807	12	3	weekly	weekly	PROPN
fsr-3807	12	4	,	,	PUNCT
fsr-3807	12	5	october	october	PROPN
fsr-3807	12	6	11	11	NUM
fsr-3807	12	7	,	,	PUNCT
fsr-3807	12	8	1996	1996	NUM
fsr-3807	12	9	.	.	PUNCT
fsr-3807	13	1	i.	i.	PROPN
fsr-3807	13	2	introduction	introduction	NOUN
fsr-3807	13	3	a	a	DET
fsr-3807	13	4	primary	primary	ADJ
fsr-3807	13	5	concern	concern	NOUN
fsr-3807	13	6	of	of	ADP
fsr-3807	13	7	those	those	DET
fsr-3807	13	8	planning	planning	NOUN
fsr-3807	13	9	family	family	NOUN
fsr-3807	13	10	finances	finance	NOUN
fsr-3807	13	11	is	be	AUX
fsr-3807	13	12	the	the	DET
fsr-3807	13	13	ability	ability	NOUN
fsr-3807	13	14	to	to	PART
fsr-3807	13	15	fund	fund	VERB
fsr-3807	13	16	a	a	DET
fsr-3807	13	17	college	college	NOUN
fsr-3807	13	18	education	education	NOUN
fsr-3807	13	19	.	.	PUNCT
fsr-3807	14	1	recent	recent	ADJ
fsr-3807	14	2	articles	article	NOUN
fsr-3807	14	3	in	in	ADP
fsr-3807	14	4	both	both	CCONJ
fsr-3807	14	5	the	the	DET
fsr-3807	14	6	popular	popular	ADJ
fsr-3807	14	7	and	and	CCONJ
fsr-3807	14	8	financial	financial	ADJ
fsr-3807	14	9	press	press	NOUN
fsr-3807	14	10	,	,	PUNCT
fsr-3807	14	11	as	as	ADV
fsr-3807	14	12	well	well	ADV
fsr-3807	14	13	as	as	ADP
fsr-3807	14	14	in	in	ADP
fsr-3807	14	15	the	the	DET
fsr-3807	14	16	aca	aca	PROPN
fsr-3807	14	17	demic	demic	PROPN
fsr-3807	14	18	literature	literature	NOUN
fsr-3807	14	19	,	,	PUNCT
fsr-3807	14	20	suggest	suggest	VERB
fsr-3807	14	21	that	that	SCONJ
fsr-3807	14	22	it	it	PRON
fsr-3807	14	23	is	be	AUX
fsr-3807	14	24	more	more	ADV
fsr-3807	14	25	important	important	ADJ
fsr-3807	14	26	than	than	ADP
fsr-3807	14	27	ever	ever	ADV
fsr-3807	14	28	to	to	PART
fsr-3807	14	29	put	put	VERB
fsr-3807	14	30	in	in	ADP
fsr-3807	14	31	place	place	NOUN
fsr-3807	14	32	an	an	DET
fsr-3807	14	33	appropri	appropri	NOUN
fsr-3807	14	34	ate	eat	VERB
fsr-3807	14	35	financial	financial	ADJ
fsr-3807	14	36	plan	plan	NOUN
fsr-3807	14	37	.	.	PUNCT
fsr-3807	15	1	the	the	DET
fsr-3807	15	2	confluence	confluence	NOUN
fsr-3807	15	3	of	of	ADP
fsr-3807	15	4	rising	rise	VERB
fsr-3807	15	5	tuition	tuition	NOUN
fsr-3807	15	6	costs	cost	NOUN
fsr-3807	15	7	,	,	PUNCT
fsr-3807	15	8	adverse	adverse	ADJ
fsr-3807	15	9	changes	change	NOUN
fsr-3807	15	10	in	in	ADP
fsr-3807	15	11	the	the	DET
fsr-3807	15	12	amount	amount	NOUN
fsr-3807	15	13	and	and	CCONJ
fsr-3807	15	14	nature	nature	NOUN
fsr-3807	15	15	of	of	ADP
fsr-3807	15	16	student	student	NOUN
fsr-3807	15	17	financial	financial	ADJ
fsr-3807	15	18	aid	aid	NOUN
fsr-3807	15	19	,	,	PUNCT
fsr-3807	15	20	and	and	CCONJ
fsr-3807	15	21	the	the	DET
fsr-3807	15	22	perception	perception	NOUN
fsr-3807	15	23	of	of	ADP
fsr-3807	15	24	an	an	DET
fsr-3807	15	25	increasing	increase	VERB
fsr-3807	15	26	inability	inability	NOUN
fsr-3807	15	27	dr	dr	PROPN
fsr-3807	15	28	.	.	PROPN
fsr-3807	15	29	thomas	thomas	PROPN
fsr-3807	15	30	el	el	PROPN
fsr-3807	15	31	eysseil	eysseil	PROPN
fsr-3807	15	32	•	•	ADP
fsr-3807	15	33	school	school	NOUN
fsr-3807	15	34	of	of	ADP
fsr-3807	15	35	business	business	NOUN
fsr-3807	15	36	,	,	PUNCT
fsr-3807	15	37	university	university	PROPN
fsr-3807	15	38	of	of	ADP
fsr-3807	15	39	missouri	missouri	PROPN
fsr-3807	15	40	-	-	PROPN
fsr-3807	15	41	st	st	PROPN
fsr-3807	15	42	.	.	PROPN
fsr-3807	15	43	louis	louis	PROPN
fsr-3807	15	44	,	,	PUNCT
fsr-3807	15	45	8001	8001	NUM
fsr-3807	15	46	natural	natural	ADJ
fsr-3807	15	47	bridge	bridge	NOUN
fsr-3807	15	48	road	road	NOUN
fsr-3807	15	49	,	,	PUNCT
fsr-3807	15	50	st	st	PROPN
fsr-3807	15	51	.	.	PROPN
fsr-3807	15	52	louis	louis	PROPN
fsr-3807	15	53	,	,	PUNCT
fsr-3807	15	54	mo	mo	NOUN
fsr-3807	15	55	63121	63121	NUM
fsr-3807	15	56	;	;	PUNCT
fsr-3807	15	57	e	e	X
fsr-3807	15	58	-	-	NOUN
fsr-3807	15	59	mail	mail	NOUN
fsr-3807	15	60	:	:	PUNCT
fsr-3807	15	61	cl803@umslvma.umsledu	cl803@umslvma.umsledu	PROPN
fsr-3807	15	62	.	.	NOUN
fsr-3807	15	63	42	42	NUM
fsr-3807	15	64	financial	financial	ADJ
fsr-3807	15	65	services	service	NOUN
fsr-3807	15	66	review	review	VERB
fsr-3807	15	67	6(1	6(1	NUM
fsr-3807	15	68	)	)	PUNCT
fsr-3807	15	69	1997	1997	NUM
fsr-3807	15	70	of	of	ADP
fsr-3807	15	71	college	college	NOUN
fsr-3807	15	72	graduates	graduate	NOUN
fsr-3807	15	73	to	to	PART
fsr-3807	15	74	find	find	VERB
fsr-3807	15	75	suitable	suitable	ADJ
fsr-3807	15	76	employment	employment	NOUN
fsr-3807	15	77	undoubtedly	undoubtedly	ADV
fsr-3807	15	78	cause	cause	VERB
fsr-3807	15	79	many	many	ADJ
fsr-3807	15	80	to	to	PART
fsr-3807	15	81	question	question	VERB
fsr-3807	15	82	their	their	PRON
fsr-3807	15	83	willingness	willingness	NOUN
fsr-3807	15	84	or	or	CCONJ
fsr-3807	15	85	ability	ability	NOUN
fsr-3807	15	86	to	to	PART
fsr-3807	15	87	provide	provide	VERB
fsr-3807	15	88	a	a	DET
fsr-3807	15	89	college	college	NOUN
fsr-3807	15	90	education	education	NOUN
fsr-3807	15	91	for	for	ADP
fsr-3807	15	92	their	their	PRON
fsr-3807	15	93	children	child	NOUN
fsr-3807	15	94	.	.	PUNCT
fsr-3807	16	1	unfortunately	unfortunately	ADV
fsr-3807	16	2	,	,	PUNCT
fsr-3807	16	3	financial	financial	ADJ
fsr-3807	16	4	planners	planner	NOUN
fsr-3807	16	5	may	may	AUX
fsr-3807	16	6	unwittingly	unwittingly	ADV
fsr-3807	16	7	exacerbate	exacerbate	VERB
fsr-3807	16	8	this	this	DET
fsr-3807	16	9	problem	problem	NOUN
fsr-3807	16	10	by	by	ADP
fsr-3807	16	11	relying	rely	VERB
fsr-3807	16	12	on	on	ADP
fsr-3807	16	13	published	publish	VERB
fsr-3807	16	14	tables	table	NOUN
fsr-3807	16	15	to	to	PART
fsr-3807	16	16	guide	guide	VERB
fsr-3807	16	17	the	the	DET
fsr-3807	16	18	family	family	NOUN
fsr-3807	16	19	saving	saving	NOUN
fsr-3807	16	20	/	/	SYM
fsr-3807	16	21	investment	investment	NOUN
fsr-3807	16	22	process	process	NOUN
fsr-3807	16	23	.	.	PUNCT
fsr-3807	17	1	these	these	DET
fsr-3807	17	2	tables	table	NOUN
fsr-3807	17	3	typically	typically	ADV
fsr-3807	17	4	purport	purport	VERB
fsr-3807	17	5	to	to	PART
fsr-3807	17	6	show	show	VERB
fsr-3807	17	7	how	how	SCONJ
fsr-3807	17	8	much	much	ADJ
fsr-3807	17	9	money	money	NOUN
fsr-3807	17	10	parents	parent	NOUN
fsr-3807	17	11	must	must	AUX
fsr-3807	17	12	save	save	VERB
fsr-3807	17	13	monthly	monthly	ADV
fsr-3807	17	14	to	to	PART
fsr-3807	17	15	fund	fund	VERB
fsr-3807	17	16	four	four	NUM
fsr-3807	17	17	years	year	NOUN
fsr-3807	17	18	of	of	ADP
fsr-3807	17	19	college	college	NOUN
fsr-3807	17	20	at	at	ADP
fsr-3807	17	21	some	some	DET
fsr-3807	17	22	future	future	ADJ
fsr-3807	17	23	date	date	NOUN
fsr-3807	17	24	,	,	PUNCT
fsr-3807	17	25	and	and	CCONJ
fsr-3807	17	26	which	which	PRON
fsr-3807	17	27	invariably	invariably	ADV
fsr-3807	17	28	suggest	suggest	VERB
fsr-3807	17	29	values	value	NOUN
fsr-3807	17	30	that	that	PRON
fsr-3807	17	31	would	would	AUX
fsr-3807	17	32	place	place	VERB
fsr-3807	17	33	a	a	DET
fsr-3807	17	34	significant	significant	ADJ
fsr-3807	17	35	financial	financial	ADJ
fsr-3807	17	36	swain	swain	NOUN
fsr-3807	17	37	on	on	ADP
fsr-3807	17	38	the	the	DET
fsr-3807	17	39	average	average	ADJ
fsr-3807	17	40	family	family	NOUN
fsr-3807	17	41	's	's	PART
fsr-3807	17	42	budget	budget	NOUN
fsr-3807	17	43	.	.	PUNCT
fsr-3807	18	1	we	we	PRON
fsr-3807	18	2	demonstrate	demonstrate	VERB
fsr-3807	18	3	that	that	SCONJ
fsr-3807	18	4	these	these	DET
fsr-3807	18	5	tables	table	NOUN
fsr-3807	18	6	often	often	ADV
fsr-3807	18	7	employ	employ	VERB
fsr-3807	18	8	flawed	flawed	ADJ
fsr-3807	18	9	methodology	methodology	NOUN
fsr-3807	18	10	.	.	PUNCT
fsr-3807	19	1	upon	upon	SCONJ
fsr-3807	19	2	correction	correction	NOUN
fsr-3807	19	3	(	(	PUNCT
fsr-3807	19	4	and	and	CCONJ
fsr-3807	19	5	given	give	VERB
fsr-3807	19	6	reasonable	reasonable	ADJ
fsr-3807	19	7	assumptions	assumption	NOUN
fsr-3807	19	8	about	about	ADP
fsr-3807	19	9	investor	investor	NOUN
fsr-3807	19	10	behavior	behavior	NOUN
fsr-3807	19	11	,	,	PUNCT
fsr-3807	19	12	growth	growth	NOUN
fsr-3807	19	13	rates	rate	NOUN
fsr-3807	19	14	in	in	ADP
fsr-3807	19	15	tuition	tuition	NOUN
fsr-3807	19	16	costs	cost	NOUN
fsr-3807	19	17	,	,	PUNCT
fsr-3807	19	18	and	and	CCONJ
fsr-3807	19	19	investment	investment	NOUN
fsr-3807	19	20	yields	yield	NOUN
fsr-3807	19	21	)	)	PUNCT
fsr-3807	19	22	,	,	PUNCT
fsr-3807	19	23	it	it	PRON
fsr-3807	19	24	is	be	AUX
fsr-3807	19	25	shown	show	VERB
fsr-3807	19	26	that	that	SCONJ
fsr-3807	19	27	the	the	DET
fsr-3807	19	28	periodic	periodic	ADJ
fsr-3807	19	29	savings	saving	NOUN
fsr-3807	19	30	necessary	necessary	ADJ
fsr-3807	19	31	to	to	PART
fsr-3807	19	32	fund	fund	VERB
fsr-3807	19	33	a	a	DET
fsr-3807	19	34	given	give	VERB
fsr-3807	19	35	level	level	NOUN
fsr-3807	19	36	of	of	ADP
fsr-3807	19	37	college	college	NOUN
fsr-3807	19	38	expenses	expense	NOUN
fsr-3807	19	39	can	can	AUX
fsr-3807	19	40	be	be	AUX
fsr-3807	19	41	substantially	substantially	ADV
fsr-3807	19	42	less	less	ADJ
fsr-3807	19	43	than	than	ADP
fsr-3807	19	44	those	those	PRON
fsr-3807	19	45	reported	report	VERB
fsr-3807	19	46	.	.	PUNCT
fsr-3807	20	1	h.	h.	PROPN
fsr-3807	21	1	the	the	DET
fsr-3807	21	2	citrrent	citrrent	PROPN
fsr-3807	21	3	state	state	NOUN
fsr-3807	21	4	of	of	ADP
fsr-3807	21	5	educational	educational	ADJ
fsr-3807	21	6	economics	economic	NOUN
fsr-3807	21	7	the	the	DET
fsr-3807	21	8	field	field	NOUN
fsr-3807	21	9	of	of	ADP
fsr-3807	21	10	educational	educational	ADJ
fsr-3807	21	11	economics	economic	NOUN
fsr-3807	21	12	is	be	AUX
fsr-3807	21	13	complex	complex	ADJ
fsr-3807	21	14	and	and	CCONJ
fsr-3807	21	15	largely	largely	ADV
fsr-3807	21	16	beyond	beyond	ADP
fsr-3807	21	17	the	the	DET
fsr-3807	21	18	scope	scope	NOUN
fsr-3807	21	19	of	of	ADP
fsr-3807	21	20	this	this	DET
fsr-3807	21	21	paper	paper	NOUN
fsr-3807	21	22	;	;	PUNCT
fsr-3807	21	23	however	however	ADV
fsr-3807	21	24	,	,	PUNCT
fsr-3807	21	25	we	we	PRON
fsr-3807	21	26	identify	identify	VERB
fsr-3807	21	27	three	three	NUM
fsr-3807	21	28	variables	variable	NOUN
fsr-3807	21	29	which	which	PRON
fsr-3807	21	30	highlight	highlight	VERB
fsr-3807	21	31	the	the	DET
fsr-3807	21	32	importance	importance	NOUN
fsr-3807	21	33	of	of	ADP
fsr-3807	21	34	careful	careful	ADJ
fsr-3807	21	35	financial	financial	ADJ
fsr-3807	21	36	planning	planning	NOUN
fsr-3807	21	37	for	for	ADP
fsr-3807	21	38	the	the	DET
fsr-3807	21	39	aspiring	aspire	VERB
fsr-3807	21	40	student	student	NOUN
fsr-3807	21	41	--	--	PUNCT
fsr-3807	21	42	continued	continue	VERB
fsr-3807	21	43	increases	increase	NOUN
fsr-3807	21	44	in	in	ADP
fsr-3807	21	45	tuition	tuition	NOUN
fsr-3807	21	46	and	and	CCONJ
fsr-3807	21	47	fees	fee	NOUN
fsr-3807	21	48	,	,	PUNCT
fsr-3807	21	49	changes	change	NOUN
fsr-3807	21	50	in	in	ADP
fsr-3807	21	51	the	the	DET
fsr-3807	21	52	nature	nature	NOUN
fsr-3807	21	53	and	and	CCONJ
fsr-3807	21	54	availability	availability	NOUN
fsr-3807	21	55	of	of	ADP
fsr-3807	21	56	financial	financial	ADJ
fsr-3807	21	57	aid	aid	NOUN
fsr-3807	21	58	,	,	PUNCT
fsr-3807	21	59	and	and	CCONJ
fsr-3807	21	60	uncertainty	uncertainty	NOUN
fsr-3807	21	61	about	about	ADP
fsr-3807	21	62	the	the	DET
fsr-3807	21	63	returns	return	NOUN
fsr-3807	21	64	to	to	ADP
fsr-3807	21	65	educational	educational	ADJ
fsr-3807	21	66	expenditure	expenditure	NOUN
fsr-3807	21	67	.	.	PUNCT
fsr-3807	22	1	given	give	VERB
fsr-3807	22	2	the	the	DET
fsr-3807	22	3	amount	amount	NOUN
fsr-3807	22	4	of	of	ADP
fsr-3807	22	5	press	press	NOUN
fsr-3807	22	6	the	the	DET
fsr-3807	22	7	topic	topic	NOUN
fsr-3807	22	8	has	have	AUX
fsr-3807	22	9	received	receive	VERB
fsr-3807	22	10	,	,	PUNCT
fsr-3807	22	11	it	it	PRON
fsr-3807	22	12	is	be	AUX
fsr-3807	22	13	,	,	PUNCT
fsr-3807	22	14	perhaps	perhaps	ADV
fsr-3807	22	15	,	,	PUNCT
fsr-3807	22	16	not	not	PART
fsr-3807	22	17	surprising	surprising	ADJ
fsr-3807	22	18	that	that	SCONJ
fsr-3807	22	19	the	the	DET
fsr-3807	22	20	rate	rate	NOUN
fsr-3807	22	21	of	of	ADP
fsr-3807	22	22	increase	increase	NOUN
fsr-3807	22	23	in	in	ADP
fsr-3807	22	24	student	student	NOUN
fsr-3807	22	25	-	-	PUNCT
fsr-3807	22	26	borne	bear	VERB
fsr-3807	22	27	college	college	NOUN
fsr-3807	22	28	costs	cost	NOUN
fsr-3807	22	29	continues	continue	VERB
fsr-3807	22	30	to	to	PART
fsr-3807	22	31	outstrip	outstrip	VERB
fsr-3807	22	32	that	that	PRON
fsr-3807	22	33	of	of	ADP
fsr-3807	22	34	the	the	DET
fsr-3807	22	35	consumer	consumer	NOUN
fsr-3807	22	36	price	price	NOUN
fsr-3807	22	37	index	index	NOUN
fsr-3807	22	38	(	(	PUNCT
fsr-3807	22	39	cpi	cpi	PROPN
fsr-3807	22	40	)	)	PUNCT
fsr-3807	22	41	.	.	PUNCT
fsr-3807	23	1	a	a	DET
fsr-3807	23	2	recent	recent	ADJ
fsr-3807	23	3	issue	issue	NOUN
fsr-3807	23	4	of	of	ADP
fsr-3807	23	5	the	the	DET
fsr-3807	23	6	wall	wall	PROPN
fsr-3807	23	7	street	street	PROPN
fsr-3807	23	8	journal	journal	PROPN
fsr-3807	23	9	noted	note	VERB
fsr-3807	23	10	that	that	SCONJ
fsr-3807	23	11	"	"	PUNCT
fsr-3807	23	12	[	[	X
fsr-3807	23	13	t]he	t]he	ADV
fsr-3807	23	14	average	average	ADJ
fsr-3807	23	15	tuition	tuition	NOUN
fsr-3807	23	16	at	at	ADP
fsr-3807	23	17	a	a	DET
fsr-3807	23	18	private	private	ADJ
fsr-3807	23	19	university	university	NOUN
fsr-3807	23	20	's	's	PART
fsr-3807	23	21	four	four	NUM
fsr-3807	23	22	-	-	PUNCT
fsr-3807	23	23	year	year	NOUN
fsr-3807	23	24	program	program	NOUN
fsr-3807	23	25	..	..	PUNCT
fsr-3807	23	26	,	,	PUNCT
fsr-3807	23	27	in	in	ADP
fsr-3807	23	28	1993	1993	NUM
fsr-3807	23	29	-	-	SYM
fsr-3807	23	30	1994	1994	NUM
fsr-3807	23	31	was	be	AUX
fsr-3807	23	32	10	10	NUM
fsr-3807	23	33	times	time	NOUN
fsr-3807	23	34	"	"	PUNCT
fsr-3807	23	35	that	that	SCONJ
fsr-3807	23	36	for	for	ADP
fsr-3807	23	37	the	the	DET
fsr-3807	23	38	1964	1964	NUM
fsr-3807	23	39	-	-	SYM
fsr-3807	23	40	1965	1965	NUM
fsr-3807	23	41	school	school	NOUN
fsr-3807	23	42	year	year	NOUN
fsr-3807	23	43	.	.	PUNCT
fsr-3807	24	1	and	and	CCONJ
fsr-3807	24	2	,	,	PUNCT
fsr-3807	24	3	according	accord	VERB
fsr-3807	24	4	to	to	ADP
fsr-3807	24	5	the	the	DET
fsr-3807	24	6	college	college	NOUN
fsr-3807	24	7	board	board	NOUN
fsr-3807	24	8	,	,	PUNCT
fsr-3807	24	9	college	college	NOUN
fsr-3807	24	10	tuition	tuition	NOUN
fsr-3807	24	11	and	and	CCONJ
fsr-3807	24	12	fees	fee	NOUN
fsr-3807	24	13	for	for	ADP
fsr-3807	24	14	the	the	DET
fsr-3807	24	15	1995	1995	NUM
fsr-3807	24	16	-	-	SYM
fsr-3807	24	17	1996	1996	NUM
fsr-3807	24	18	academic	academic	ADJ
fsr-3807	24	19	year	year	NOUN
fsr-3807	24	20	"	"	PUNCT
fsr-3807	24	21	climbed	climb	VERB
fsr-3807	24	22	about	about	ADV
fsr-3807	24	23	5	5	NUM
fsr-3807	24	24	%	%	NOUN
fsr-3807	24	25	for	for	ADP
fsr-3807	24	26	the	the	DET
fsr-3807	24	27	fourth	fourth	ADJ
fsr-3807	24	28	year	year	NOUN
fsr-3807	24	29	in	in	ADP
fsr-3807	24	30	a	a	DET
fsr-3807	24	31	row	row	NOUN
fsr-3807	24	32	.	.	PUNCT
fsr-3807	24	33	"	"	PUNCT
fsr-3807	25	1	(	(	PUNCT
fsr-3807	25	2	the	the	DET
fsr-3807	25	3	wall	wall	PROPN
fsr-3807	25	4	street	street	PROPN
fsr-3807	25	5	journal	journal	PROPN
fsr-3807	25	6	,	,	PUNCT
fsr-3807	25	7	september	september	PROPN
fsr-3807	25	8	29	29	NUM
fsr-3807	25	9	,	,	PUNCT
fsr-3807	25	10	1996	1996	NUM
fsr-3807	25	11	,	,	PUNCT
fsr-3807	25	12	p.	p.	NOUN
fsr-3807	25	13	a2	a2	PROPN
fsr-3807	25	14	)	)	PUNCT
fsr-3807	25	15	further	far	ADV
fsr-3807	25	16	,	,	PUNCT
fsr-3807	25	17	recent	recent	ADJ
fsr-3807	25	18	history	history	NOUN
fsr-3807	25	19	suggests	suggest	VERB
fsr-3807	25	20	that	that	SCONJ
fsr-3807	25	21	little	little	ADJ
fsr-3807	25	22	relief	relief	NOUN
fsr-3807	25	23	is	be	AUX
fsr-3807	25	24	in	in	ADP
fsr-3807	25	25	sight	sight	NOUN
fsr-3807	25	26	.	.	PUNCT
fsr-3807	26	1	between	between	ADP
fsr-3807	26	2	1975	1975	NUM
fsr-3807	26	3	and	and	CCONJ
fsr-3807	26	4	1995	1995	NUM
fsr-3807	26	5	,	,	PUNCT
fsr-3807	26	6	the	the	DET
fsr-3807	26	7	annual	annual	ADJ
fsr-3807	26	8	increase	increase	NOUN
fsr-3807	26	9	in	in	ADP
fsr-3807	26	10	the	the	DET
fsr-3807	26	11	higher	high	ADJ
fsr-3807	26	12	education	education	NOUN
fsr-3807	26	13	price	price	NOUN
fsr-3807	26	14	index	index	NOUN
fsr-3807	26	15	(	(	PUNCT
fsr-3807	26	16	hepi	hepi	PROPN
fsr-3807	26	17	)	)	PUNCT
fsr-3807	26	18	has	have	AUX
fsr-3807	26	19	been	be	AUX
fsr-3807	26	20	as	as	ADV
fsr-3807	26	21	low	low	ADJ
fsr-3807	26	22	as	as	ADP
fsr-3807	26	23	2.9	2.9	NUM
fsr-3807	26	24	percent	percent	NOUN
fsr-3807	26	25	(	(	PUNCT
fsr-3807	26	26	1995	1995	NUM
fsr-3807	26	27	)	)	PUNCT
fsr-3807	26	28	and	and	CCONJ
fsr-3807	26	29	as	as	ADV
fsr-3807	26	30	high	high	ADJ
fsr-3807	26	31	as	as	ADP
fsr-3807	26	32	10.7	10.7	NUM
fsr-3807	26	33	percent	percent	NOUN
fsr-3807	26	34	(	(	PUNCT
fsr-3807	26	35	1981	1981	NUM
fsr-3807	26	36	)	)	PUNCT
fsr-3807	26	37	,	,	PUNCT
fsr-3807	26	38	with	with	ADP
fsr-3807	26	39	an	an	DET
fsr-3807	26	40	average	average	ADJ
fsr-3807	26	41	annual	annual	ADJ
fsr-3807	26	42	increase	increase	NOUN
fsr-3807	26	43	of	of	ADP
fsr-3807	26	44	5.8	5.8	NUM
fsr-3807	26	45	percent	percent	NOUN
fsr-3807	26	46	.	.	PUNCT
fsr-3807	27	1	in	in	ADP
fsr-3807	27	2	short	short	ADJ
fsr-3807	27	3	,	,	PUNCT
fsr-3807	27	4	the	the	DET
fsr-3807	27	5	rate	rate	NOUN
fsr-3807	27	6	of	of	ADP
fsr-3807	27	7	increase	increase	NOUN
fsr-3807	27	8	in	in	ADP
fsr-3807	27	9	tuition	tuition	NOUN
fsr-3807	27	10	costs	cost	NOUN
fsr-3807	27	11	as	as	SCONJ
fsr-3807	27	12	measured	measure	VERB
fsr-3807	27	13	by	by	ADP
fsr-3807	27	14	hepi	hepi	PROPN
fsr-3807	27	15	has	have	AUX
fsr-3807	27	16	risen	rise	VERB
fsr-3807	27	17	substantially	substantially	ADV
fsr-3807	27	18	faster	fast	ADV
fsr-3807	27	19	than	than	ADP
fsr-3807	27	20	the	the	DET
fsr-3807	27	21	overall	overall	ADJ
fsr-3807	27	22	inflation	inflation	NOUN
fsr-3807	27	23	rate	rate	NOUN
fsr-3807	27	24	over	over	ADP
fsr-3807	27	25	the	the	DET
fsr-3807	27	26	last	last	ADJ
fsr-3807	27	27	two	two	NUM
fsr-3807	27	28	decades	decade	NOUN
fsr-3807	27	29	.	.	PUNCT
fsr-3807	28	1	the	the	DET
fsr-3807	28	2	implication	implication	NOUN
fsr-3807	28	3	for	for	ADP
fsr-3807	28	4	the	the	DET
fsr-3807	28	5	financial	financial	ADJ
fsr-3807	28	6	planner	planner	NOUN
fsr-3807	28	7	is	be	AUX
fsr-3807	28	8	clear	clear	ADJ
fsr-3807	28	9	:	:	PUNCT
fsr-3807	28	10	rising	rise	VERB
fsr-3807	28	11	education	education	NOUN
fsr-3807	28	12	costs	cost	NOUN
fsr-3807	28	13	can	can	AUX
fsr-3807	28	14	not	not	PART
fsr-3807	28	15	be	be	AUX
fsr-3807	28	16	ignored	ignore	VERB
fsr-3807	28	17	,	,	PUNCT
fsr-3807	28	18	and	and	CCONJ
fsr-3807	28	19	must	must	AUX
fsr-3807	28	20	be	be	AUX
fsr-3807	28	21	carefully	carefully	ADV
fsr-3807	28	22	considered	consider	VERB
fsr-3807	28	23	in	in	ADP
fsr-3807	28	24	any	any	DET
fsr-3807	28	25	calculation	calculation	NOUN
fsr-3807	28	26	.	.	PUNCT
fsr-3807	29	1	the	the	DET
fsr-3807	29	2	financial	financial	ADJ
fsr-3807	29	3	aid	aid	NOUN
fsr-3807	29	4	picture	picture	NOUN
fsr-3807	29	5	is	be	AUX
fsr-3807	29	6	less	less	ADV
fsr-3807	29	7	clear	clear	ADJ
fsr-3807	29	8	.	.	PUNCT
fsr-3807	30	1	on	on	ADP
fsr-3807	30	2	one	one	NUM
fsr-3807	30	3	hand	hand	NOUN
fsr-3807	30	4	,	,	PUNCT
fsr-3807	30	5	the	the	DET
fsr-3807	30	6	college	college	NOUN
fsr-3807	30	7	board	board	NOUN
fsr-3807	30	8	reports	report	VERB
fsr-3807	30	9	that	that	SCONJ
fsr-3807	30	10	total	total	ADJ
fsr-3807	30	11	amount	amount	NOUN
fsr-3807	30	12	of	of	ADP
fsr-3807	30	13	financial	financial	ADJ
fsr-3807	30	14	aid	aid	NOUN
fsr-3807	30	15	distributed	distribute	VERB
fsr-3807	30	16	to	to	ADP
fsr-3807	30	17	students	student	NOUN
fsr-3807	30	18	reached	reach	VERB
fsr-3807	30	19	$	$	SYM
fsr-3807	30	20	50	50	NUM
fsr-3807	30	21	billion	billion	NUM
fsr-3807	30	22	in	in	ADP
fsr-3807	30	23	1995	1995	NUM
fsr-3807	30	24	,	,	PUNCT
fsr-3807	30	25	a	a	DET
fsr-3807	30	26	real	real	ADJ
fsr-3807	30	27	increase	increase	NOUN
fsr-3807	30	28	of	of	ADP
fsr-3807	30	29	approximately	approximately	ADV
fsr-3807	30	30	4	4	NUM
fsr-3807	30	31	percent	percent	NOUN
fsr-3807	30	32	over	over	ADP
fsr-3807	30	33	the	the	DET
fsr-3807	30	34	previous	previous	ADJ
fsr-3807	30	35	year	year	NOUN
fsr-3807	30	36	.	.	PUNCT
fsr-3807	31	1	however	however	ADV
fsr-3807	31	2	,	,	PUNCT
fsr-3807	31	3	a	a	DET
fsr-3807	31	4	number	number	NOUN
fsr-3807	31	5	of	of	ADP
fsr-3807	31	6	factors	factor	NOUN
fsr-3807	31	7	bear	bear	VERB
fsr-3807	31	8	adversely	adversely	ADV
fsr-3807	31	9	on	on	ADP
fsr-3807	31	10	this	this	DET
fsr-3807	31	11	picture	picture	NOUN
fsr-3807	31	12	.	.	PUNCT
fsr-3807	32	1	first	first	ADV
fsr-3807	32	2	,	,	PUNCT
fsr-3807	32	3	the	the	DET
fsr-3807	32	4	dominant	dominant	ADJ
fsr-3807	32	5	form	form	NOUN
fsr-3807	32	6	of	of	ADP
fsr-3807	32	7	financial	financial	ADJ
fsr-3807	32	8	aid	aid	NOUN
fsr-3807	32	9	is	be	AUX
fsr-3807	32	10	increasingly	increasingly	ADV
fsr-3807	32	11	shifting	shift	VERB
fsr-3807	32	12	from	from	ADP
fsr-3807	32	13	outright	outright	ADJ
fsr-3807	32	14	grants	grant	NOUN
fsr-3807	32	15	to	to	ADP
fsr-3807	32	16	interest	interest	NOUN
fsr-3807	32	17	-	-	PUNCT
fsr-3807	32	18	bearing	bear	VERB
fsr-3807	32	19	loans	loan	NOUN
fsr-3807	32	20	.	.	PUNCT
fsr-3807	33	1	fenske	fenske	ADJ
fsr-3807	33	2	and	and	CCONJ
fsr-3807	33	3	barberini	barberini	NOUN
fsr-3807	33	4	suggest	suggest	VERB
fsr-3807	33	5	that	that	SCONJ
fsr-3807	33	6	this	this	PRON
fsr-3807	33	7	may	may	AUX
fsr-3807	33	8	reflect	reflect	VERB
fsr-3807	33	9	the	the	DET
fsr-3807	33	10	fact	fact	NOUN
fsr-3807	33	11	that	that	SCONJ
fsr-3807	33	12	"	"	PUNCT
fsr-3807	33	13	[	[	X
fsr-3807	33	14	1loan	1loan	NUM
fsr-3807	33	15	programs	program	NOUN
fsr-3807	33	16	require	require	VERB
fsr-3807	33	17	fewer	few	ADJ
fsr-3807	33	18	federal	federal	ADJ
fsr-3807	33	19	dollars	dollar	NOUN
fsr-3807	33	20	than	than	SCONJ
fsr-3807	33	21	do	do	AUX
fsr-3807	33	22	grant	grant	VERB
fsr-3807	33	23	programs	program	NOUN
fsr-3807	33	24	to	to	PART
fsr-3807	33	25	provide	provide	VERB
fsr-3807	33	26	the	the	DET
fsr-3807	33	27	same	same	ADJ
fsr-3807	33	28	dollar	dollar	NOUN
fsr-3807	33	29	support	support	NOUN
fsr-3807	33	30	to	to	ADP
fsr-3807	33	31	students	student	NOUN
fsr-3807	33	32	"	"	PUNCT
fsr-3807	33	33	(	(	PUNCT
fsr-3807	33	34	1994	1994	NUM
fsr-3807	33	35	,	,	PUNCT
fsr-3807	33	36	p.	p.	NOUN
fsr-3807	33	37	502	502	NUM
fsr-3807	33	38	)	)	PUNCT
fsr-3807	33	39	.	.	PUNCT
fsr-3807	34	1	(	(	PUNCT
fsr-3807	34	2	the	the	DET
fsr-3807	34	3	full	full	ADJ
fsr-3807	34	4	impact	impact	NOUN
fsr-3807	34	5	of	of	ADP
fsr-3807	34	6	this	this	DET
fsr-3807	34	7	shift	shift	NOUN
fsr-3807	34	8	on	on	ADP
fsr-3807	34	9	the	the	DET
fsr-3807	34	10	saving	save	VERB
fsr-3807	34	11	pro	pro	ADJ
fsr-3807	34	12	cess	cess	ADJ
fsr-3807	34	13	is	be	AUX
fsr-3807	34	14	open	open	ADJ
fsr-3807	34	15	to	to	ADP
fsr-3807	34	16	debate	debate	NOUN
fsr-3807	34	17	;	;	PUNCT
fsr-3807	34	18	feldstein	feldstein	NOUN
fsr-3807	34	19	,	,	PUNCT
fsr-3807	34	20	1992	1992	NUM
fsr-3807	34	21	,	,	PUNCT
fsr-3807	34	22	suggests	suggest	VERB
fsr-3807	34	23	that	that	SCONJ
fsr-3807	34	24	scholarship	scholarship	NOUN
fsr-3807	34	25	rules	rule	NOUN
fsr-3807	34	26	may	may	AUX
fsr-3807	34	27	provide	provide	VERB
fsr-3807	34	28	a	a	DET
fsr-3807	34	29	dis	dis	NOUN
fsr-3807	34	30	incentive	incentive	NOUN
fsr-3807	34	31	to	to	ADP
fsr-3807	34	32	those	those	DET
fsr-3807	34	33	planning	plan	VERB
fsr-3807	34	34	to	to	PART
fsr-3807	34	35	save	save	VERB
fsr-3807	34	36	for	for	ADP
fsr-3807	34	37	higher	high	ADJ
fsr-3807	34	38	education	education	NOUN
fsr-3807	34	39	.	.	PUNCT
fsr-3807	34	40	)	)	PUNCT
fsr-3807	35	1	second	second	ADJ
fsr-3807	35	2	,	,	PUNCT
fsr-3807	35	3	as	as	SCONJ
fsr-3807	35	4	repayment	repayment	NOUN
fsr-3807	35	5	burdens	burden	NOUN
fsr-3807	35	6	have	have	AUX
fsr-3807	35	7	increased	increase	VERB
fsr-3807	35	8	,	,	PUNCT
fsr-3807	35	9	so	so	ADV
fsr-3807	35	10	have	have	VERB
fsr-3807	35	11	the	the	DET
fsr-3807	35	12	level	level	NOUN
fsr-3807	35	13	of	of	ADP
fsr-3807	35	14	defaults	default	NOUN
fsr-3807	35	15	,	,	PUNCT
fsr-3807	35	16	as	as	ADV
fsr-3807	35	17	well	well	ADV
fsr-3807	35	18	as	as	ADP
fsr-3807	35	19	the	the	DET
fsr-3807	35	20	length	length	NOUN
fsr-3807	35	21	of	of	ADP
fsr-3807	35	22	the	the	DET
fsr-3807	35	23	repayment	repayment	NOUN
fsr-3807	35	24	schedules	schedule	NOUN
fsr-3807	35	25	.	.	PUNCT
fsr-3807	36	1	the	the	DET
fsr-3807	36	2	higher	high	ADJ
fsr-3807	36	3	education	education	NOUN
fsr-3807	36	4	amendments	amendment	NOUN
fsr-3807	36	5	act	act	NOUN
fsr-3807	36	6	of	of	ADP
fsr-3807	36	7	1986	1986	NUM
fsr-3807	36	8	has	have	AUX
fsr-3807	36	9	had	have	VERB
fsr-3807	36	10	the	the	DET
fsr-3807	36	11	effect	effect	NOUN
fsr-3807	36	12	of	of	ADP
fsr-3807	36	13	lengthening	lengthen	VERB
fsr-3807	36	14	the	the	DET
fsr-3807	36	15	maximum	maximum	ADJ
fsr-3807	36	16	amortization	amortization	NOUN
fsr-3807	36	17	period	period	NOUN
fsr-3807	36	18	on	on	ADP
fsr-3807	36	19	many	many	ADJ
fsr-3807	36	20	stu	stu	PROPN
fsr-3807	36	21	financial	financial	PROPN
fsr-3807	36	22	planning	planning	PROPN
fsr-3807	36	23	and	and	CCONJ
fsr-3807	36	24	college	college	NOUN
fsr-3807	36	25	savings	saving	NOUN
fsr-3807	36	26	43	43	NUM
fsr-3807	36	27	dent	dent	NOUN
fsr-3807	36	28	loans	loan	NOUN
fsr-3807	36	29	from	from	ADP
fsr-3807	36	30	10	10	NUM
fsr-3807	36	31	years	year	NOUN
fsr-3807	36	32	to	to	ADP
fsr-3807	36	33	25	25	NUM
fsr-3807	36	34	years	year	NOUN
fsr-3807	36	35	.	.	PUNCT
fsr-3807	37	1	and	and	CCONJ
fsr-3807	37	2	while	while	SCONJ
fsr-3807	37	3	this	this	PRON
fsr-3807	37	4	may	may	AUX
fsr-3807	37	5	make	make	VERB
fsr-3807	37	6	monthly	monthly	ADJ
fsr-3807	37	7	payments	payment	NOUN
fsr-3807	37	8	easier	easy	ADJ
fsr-3807	37	9	to	to	PART
fsr-3807	37	10	handle	handle	VERB
fsr-3807	37	11	for	for	ADP
fsr-3807	37	12	many	many	ADJ
fsr-3807	37	13	,	,	PUNCT
fsr-3807	37	14	it	it	PRON
fsr-3807	37	15	also	also	ADV
fsr-3807	37	16	suggests	suggest	VERB
fsr-3807	37	17	that	that	SCONJ
fsr-3807	37	18	the	the	DET
fsr-3807	37	19	former	former	ADJ
fsr-3807	37	20	college	college	NOUN
fsr-3807	37	21	student	student	NOUN
fsr-3807	37	22	will	will	AUX
fsr-3807	37	23	continue	continue	VERB
fsr-3807	37	24	to	to	PART
fsr-3807	37	25	be	be	AUX
fsr-3807	37	26	paying	pay	VERB
fsr-3807	37	27	on	on	ADP
fsr-3807	37	28	college	college	NOUN
fsr-3807	37	29	debt	debt	NOUN
fsr-3807	37	30	well	well	ADV
fsr-3807	37	31	into	into	ADP
fsr-3807	37	32	middle	middle	ADJ
fsr-3807	37	33	age	age	NOUN
fsr-3807	37	34	.	.	PUNCT
fsr-3807	38	1	it	it	PRON
fsr-3807	38	2	should	should	AUX
fsr-3807	38	3	undoubtedly	undoubtedly	ADV
fsr-3807	38	4	trouble	trouble	VERB
fsr-3807	38	5	the	the	DET
fsr-3807	38	6	financial	financial	ADJ
fsr-3807	38	7	planner	planner	NOUN
fsr-3807	38	8	that	that	SCONJ
fsr-3807	38	9	few	few	ADJ
fsr-3807	38	10	have	have	AUX
fsr-3807	38	11	attempted	attempt	VERB
fsr-3807	38	12	to	to	PART
fsr-3807	38	13	evaluate	evaluate	VERB
fsr-3807	38	14	the	the	DET
fsr-3807	38	15	"	"	PUNCT
fsr-3807	38	16	impact	impact	NOUN
fsr-3807	38	17	of	of	ADP
fsr-3807	38	18	one	one	NUM
fsr-3807	38	19	generation	generation	NOUN
fsr-3807	38	20	not	not	PART
fsr-3807	38	21	being	be	AUX
fsr-3807	38	22	able	able	ADJ
fsr-3807	38	23	to	to	PART
fsr-3807	38	24	retire	retire	VERB
fsr-3807	38	25	its	its	PRON
fsr-3807	38	26	own	own	ADJ
fsr-3807	38	27	student	student	NOUN
fsr-3807	38	28	loan	loan	NOUN
fsr-3807	38	29	indebtedness	indebtedness	NOUN
fsr-3807	38	30	before	before	SCONJ
fsr-3807	38	31	its	its	PRON
fsr-3807	38	32	sons	son	NOUN
fsr-3807	38	33	and	and	CCONJ
fsr-3807	38	34	daughters	daughter	NOUN
fsr-3807	38	35	enter	enter	VERB
fsr-3807	38	36	college	college	NOUN
fsr-3807	38	37	"	"	PUNCT
fsr-3807	38	38	(	(	PUNCT
fsr-3807	38	39	fenske	fenske	PROPN
fsr-3807	38	40	&	&	CCONJ
fsr-3807	38	41	barberini	barberini	NOUN
fsr-3807	38	42	,	,	PUNCT
fsr-3807	38	43	1994	1994	NUM
fsr-3807	38	44	,	,	PUNCT
fsr-3807	38	45	p.	p.	NOUN
fsr-3807	38	46	503	503	NUM
fsr-3807	38	47	)	)	PUNCT
fsr-3807	38	48	.	.	PUNCT
fsr-3807	39	1	a	a	DET
fsr-3807	39	2	final	final	ADJ
fsr-3807	39	3	variable	variable	NOUN
fsr-3807	39	4	which	which	PRON
fsr-3807	39	5	suggests	suggest	VERB
fsr-3807	39	6	the	the	DET
fsr-3807	39	7	need	need	NOUN
fsr-3807	39	8	for	for	ADP
fsr-3807	39	9	careful	careful	ADJ
fsr-3807	39	10	financial	financial	ADJ
fsr-3807	39	11	planning	planning	NOUN
fsr-3807	39	12	is	be	AUX
fsr-3807	39	13	the	the	DET
fsr-3807	39	14	uncer	uncer	ADJ
fsr-3807	39	15	tainty	tainty	NOUN
fsr-3807	39	16	about	about	ADP
fsr-3807	39	17	the	the	DET
fsr-3807	39	18	returns	return	NOUN
fsr-3807	39	19	to	to	ADP
fsr-3807	39	20	investment	investment	NOUN
fsr-3807	39	21	in	in	ADP
fsr-3807	39	22	education	education	NOUN
fsr-3807	39	23	.	.	PUNCT
fsr-3807	40	1	traditional	traditional	ADJ
fsr-3807	40	2	cost	cost	NOUN
fsr-3807	40	3	-	-	PUNCT
fsr-3807	40	4	benefit	benefit	NOUN
fsr-3807	40	5	analysis	analysis	NOUN
fsr-3807	40	6	sug	sug	NOUN
fsr-3807	40	7	gests	gest	VERB
fsr-3807	40	8	that	that	SCONJ
fsr-3807	40	9	one	one	NUM
fsr-3807	40	10	planning	plan	VERB
fsr-3807	40	11	a	a	DET
fsr-3807	40	12	substantial	substantial	ADJ
fsr-3807	40	13	investment	investment	NOUN
fsr-3807	40	14	of	of	ADP
fsr-3807	40	15	resources	resource	NOUN
fsr-3807	40	16	must	must	AUX
fsr-3807	40	17	weigh	weigh	VERB
fsr-3807	40	18	the	the	DET
fsr-3807	40	19	outlay	outlay	NOUN
fsr-3807	40	20	against	against	ADP
fsr-3807	40	21	the	the	DET
fsr-3807	40	22	expected	expect	VERB
fsr-3807	40	23	returns	return	NOUN
fsr-3807	40	24	.	.	PUNCT
fsr-3807	41	1	and	and	CCONJ
fsr-3807	41	2	uncertainty	uncertainty	NOUN
fsr-3807	41	3	about	about	ADP
fsr-3807	41	4	the	the	DET
fsr-3807	41	5	magnitudes	magnitude	NOUN
fsr-3807	41	6	of	of	ADP
fsr-3807	41	7	those	those	DET
fsr-3807	41	8	returns	return	NOUN
fsr-3807	41	9	increases	increase	VERB
fsr-3807	41	10	the	the	DET
fsr-3807	41	11	importance	importance	NOUN
fsr-3807	41	12	of	of	ADP
fsr-3807	41	13	careful	careful	ADJ
fsr-3807	41	14	planning	planning	NOUN
fsr-3807	41	15	of	of	ADP
fsr-3807	41	16	the	the	DET
fsr-3807	41	17	investment	investment	NOUN
fsr-3807	41	18	.	.	PUNCT
fsr-3807	42	1	while	while	SCONJ
fsr-3807	42	2	it	it	PRON
fsr-3807	42	3	is	be	AUX
fsr-3807	42	4	traditionally	traditionally	ADV
fsr-3807	42	5	assumed	assume	VERB
fsr-3807	42	6	that	that	SCONJ
fsr-3807	42	7	the	the	DET
fsr-3807	42	8	substantial	substantial	ADJ
fsr-3807	42	9	financial	financial	ADJ
fsr-3807	42	10	(	(	PUNCT
fsr-3807	42	11	and	and	CCONJ
fsr-3807	42	12	nonfinancial	nonfinancial	ADJ
fsr-3807	42	13	)	)	PUNCT
fsr-3807	42	14	ben	ben	PROPN
fsr-3807	42	15	efits	efit	NOUN
fsr-3807	42	16	accrue	accrue	VERB
fsr-3807	42	17	to	to	ADP
fsr-3807	42	18	more	more	ADV
fsr-3807	42	19	highly	highly	ADV
fsr-3807	42	20	educated	educate	VERB
fsr-3807	42	21	individuals	individual	NOUN
fsr-3807	42	22	,	,	PUNCT
fsr-3807	42	23	the	the	DET
fsr-3807	42	24	combination	combination	NOUN
fsr-3807	42	25	of	of	ADP
fsr-3807	42	26	accelerating	accelerate	VERB
fsr-3807	42	27	tuition	tuition	NOUN
fsr-3807	42	28	costs	cost	NOUN
fsr-3807	42	29	and	and	CCONJ
fsr-3807	42	30	shrinking	shrink	VERB
fsr-3807	42	31	job	job	NOUN
fsr-3807	42	32	markets	market	NOUN
fsr-3807	42	33	in	in	ADP
fsr-3807	42	34	some	some	DET
fsr-3807	42	35	fields	field	NOUN
fsr-3807	42	36	has	have	AUX
fsr-3807	42	37	contributed	contribute	VERB
fsr-3807	42	38	to	to	ADP
fsr-3807	42	39	the	the	DET
fsr-3807	42	40	perception	perception	NOUN
fsr-3807	42	41	that	that	SCONJ
fsr-3807	42	42	the	the	DET
fsr-3807	42	43	expense	expense	NOUN
fsr-3807	42	44	of	of	ADP
fsr-3807	42	45	higher	high	ADJ
fsr-3807	42	46	education	education	NOUN
fsr-3807	42	47	may	may	AUX
fsr-3807	42	48	not	not	PART
fsr-3807	42	49	be	be	AUX
fsr-3807	42	50	"	"	PUNCT
fsr-3807	42	51	worth	worth	ADJ
fsr-3807	42	52	it	it	PRON
fsr-3807	42	53	.	.	PUNCT
fsr-3807	42	54	"	"	PUNCT
fsr-3807	43	1	while	while	SCONJ
fsr-3807	43	2	it	it	PRON
fsr-3807	43	3	is	be	AUX
fsr-3807	43	4	beyond	beyond	ADP
fsr-3807	43	5	the	the	DET
fsr-3807	43	6	scope	scope	NOUN
fsr-3807	43	7	of	of	ADP
fsr-3807	43	8	this	this	DET
fsr-3807	43	9	paper	paper	NOUN
fsr-3807	43	10	to	to	PART
fsr-3807	43	11	tackle	tackle	VERB
fsr-3807	43	12	this	this	DET
fsr-3807	43	13	complex	complex	ADJ
fsr-3807	43	14	issue	issue	NOUN
fsr-3807	43	15	,	,	PUNCT
fsr-3807	43	16	we	we	PRON
fsr-3807	43	17	do	do	AUX
fsr-3807	43	18	note	note	VERB
fsr-3807	43	19	two	two	NUM
fsr-3807	43	20	important	important	ADJ
fsr-3807	43	21	factors	factor	NOUN
fsr-3807	43	22	.	.	PUNCT
fsr-3807	44	1	first	first	ADV
fsr-3807	44	2	,	,	PUNCT
fsr-3807	44	3	the	the	DET
fsr-3807	44	4	(	(	PUNCT
fsr-3807	44	5	financial	financial	ADJ
fsr-3807	44	6	)	)	PUNCT
fsr-3807	44	7	returns	return	NOUN
fsr-3807	44	8	to	to	ADP
fsr-3807	44	9	education	education	NOUN
fsr-3807	44	10	are	be	AUX
fsr-3807	44	11	unlikely	unlikely	ADJ
fsr-3807	44	12	to	to	PART
fsr-3807	44	13	be	be	AUX
fsr-3807	44	14	constant	constant	ADJ
fsr-3807	44	15	over	over	ADP
fsr-3807	44	16	time	time	NOUN
fsr-3807	44	17	.	.	PUNCT
fsr-3807	45	1	colin	colin	PROPN
fsr-3807	45	2	and	and	CCONJ
fsr-3807	45	3	hughes	hughes	PROPN
fsr-3807	45	4	(	(	PUNCT
fsr-3807	45	5	1994	1994	NUM
fsr-3807	45	6	)	)	PUNCT
fsr-3807	45	7	esti	esti	PROPN
fsr-3807	45	8	mate	mate	VERB
fsr-3807	45	9	internal	internal	ADJ
fsr-3807	45	10	rates	rate	NOUN
fsr-3807	45	11	of	of	ADP
fsr-3807	45	12	return	return	NOUN
fsr-3807	45	13	(	(	PUNCT
fsr-3807	45	14	irrs	irrs	NOUN
fsr-3807	45	15	)	)	PUNCT
fsr-3807	45	16	on	on	ADP
fsr-3807	45	17	college	college	NOUN
fsr-3807	45	18	expenditures	expenditure	NOUN
fsr-3807	45	19	over	over	ADP
fsr-3807	45	20	the	the	DET
fsr-3807	45	21	period	period	NOUN
fsr-3807	45	22	1969	1969	NUM
fsr-3807	45	23	-	-	SYM
fsr-3807	45	24	1985	1985	NUM
fsr-3807	45	25	and	and	CCONJ
fsr-3807	45	26	conclude	conclude	VERB
fsr-3807	45	27	that	that	SCONJ
fsr-3807	45	28	the	the	DET
fsr-3807	45	29	returns	return	NOUN
fsr-3807	45	30	on	on	ADP
fsr-3807	45	31	investment	investment	NOUN
fsr-3807	45	32	declined	decline	VERB
fsr-3807	45	33	from	from	ADP
fsr-3807	45	34	the	the	DET
fsr-3807	45	35	late	late	ADJ
fsr-3807	45	36	1960s	1960	NOUN
fsr-3807	45	37	through	through	ADP
fsr-3807	45	38	the	the	DET
fsr-3807	45	39	mid	mid	ADJ
fsr-3807	45	40	1970s	1970	NOUN
fsr-3807	45	41	,	,	PUNCT
fsr-3807	45	42	increased	increase	VERB
fsr-3807	45	43	temporarily	temporarily	ADV
fsr-3807	45	44	,	,	PUNCT
fsr-3807	45	45	then	then	ADV
fsr-3807	45	46	levelled	level	VERB
fsr-3807	45	47	off	off	ADP
fsr-3807	45	48	in	in	ADP
fsr-3807	45	49	the	the	DET
fsr-3807	45	50	mid-1980s	mid-1980	NOUN
fsr-3807	45	51	.	.	PUNCT
fsr-3807	46	1	it	it	PRON
fsr-3807	46	2	should	should	AUX
fsr-3807	46	3	be	be	AUX
fsr-3807	46	4	noted	note	VERB
fsr-3807	46	5	that	that	SCONJ
fsr-3807	46	6	some	some	PRON
fsr-3807	46	7	have	have	AUX
fsr-3807	46	8	argued	argue	VERB
fsr-3807	46	9	that	that	SCONJ
fsr-3807	46	10	the	the	DET
fsr-3807	46	11	mere	mere	ADJ
fsr-3807	46	12	possession	possession	NOUN
fsr-3807	46	13	of	of	ADP
fsr-3807	46	14	a	a	DET
fsr-3807	46	15	degree	degree	NOUN
fsr-3807	46	16	per	per	ADP
fsr-3807	46	17	se	se	X
fsr-3807	46	18	is	be	AUX
fsr-3807	46	19	valuable	valuable	ADJ
fsr-3807	46	20	.	.	PUNCT
fsr-3807	47	1	hecker	hecker	NOUN
fsr-3807	47	2	(	(	PUNCT
fsr-3807	47	3	1992	1992	NUM
fsr-3807	47	4	)	)	PUNCT
fsr-3807	47	5	provides	provide	VERB
fsr-3807	47	6	evidence	evidence	NOUN
fsr-3807	47	7	on	on	ADP
fsr-3807	47	8	this	this	DET
fsr-3807	47	9	perceived	perceive	VERB
fsr-3807	47	10	value	value	NOUN
fsr-3807	47	11	of	of	ADP
fsr-3807	47	12	a	a	DET
fsr-3807	47	13	college	college	NOUN
fsr-3807	47	14	degree	degree	NOUN
fsr-3807	47	15	in	in	ADP
fsr-3807	47	16	terms	term	NOUN
fsr-3807	47	17	of	of	ADP
fsr-3807	47	18	employability	employability	NOUN
fsr-3807	47	19	and	and	CCONJ
fsr-3807	47	20	earnings	earning	NOUN
fsr-3807	47	21	potential	potential	NOUN
fsr-3807	47	22	.	.	PUNCT
fsr-3807	48	1	the	the	DET
fsr-3807	48	2	works	work	NOUN
fsr-3807	48	3	of	of	ADP
fsr-3807	48	4	arrow	arrow	NOUN
fsr-3807	48	5	(	(	PUNCT
fsr-3807	48	6	1973	1973	NUM
fsr-3807	48	7	)	)	PUNCT
fsr-3807	48	8	,	,	PUNCT
fsr-3807	48	9	heywood	heywood	PROPN
fsr-3807	48	10	(	(	PUNCT
fsr-3807	48	11	1994	1994	NUM
fsr-3807	48	12	)	)	PUNCT
fsr-3807	48	13	,	,	PUNCT
fsr-3807	48	14	spence	spence	NOUN
fsr-3807	48	15	(	(	PUNCT
fsr-3807	48	16	1974	1974	NUM
fsr-3807	48	17	)	)	PUNCT
fsr-3807	48	18	,	,	PUNCT
fsr-3807	48	19	and	and	CCONJ
fsr-3807	48	20	wolpin	wolpin	PROPN
fsr-3807	48	21	(	(	PUNCT
fsr-3807	48	22	1977	1977	NUM
fsr-3807	48	23	)	)	PUNCT
fsr-3807	48	24	suggest	suggest	VERB
fsr-3807	48	25	the	the	DET
fsr-3807	48	26	existence	existence	NOUN
fsr-3807	48	27	of	of	ADP
fsr-3807	48	28	a	a	DET
fsr-3807	48	29	different	different	ADJ
fsr-3807	48	30	type	type	NOUN
fsr-3807	48	31	of	of	ADP
fsr-3807	48	32	"	"	PUNCT
fsr-3807	48	33	sheepskin	sheepskin	VERB
fsr-3807	48	34	effect"--the	effect"--the	DET
fsr-3807	48	35	mere	mere	ADJ
fsr-3807	48	36	possession	possession	NOUN
fsr-3807	48	37	of	of	ADP
fsr-3807	48	38	a	a	DET
fsr-3807	48	39	college	college	NOUN
fsr-3807	48	40	degree	degree	NOUN
fsr-3807	48	41	may	may	AUX
fsr-3807	48	42	serve	serve	VERB
fsr-3807	48	43	as	as	ADP
fsr-3807	48	44	a	a	DET
fsr-3807	48	45	signal	signal	NOUN
fsr-3807	48	46	of	of	ADP
fsr-3807	48	47	one	one	NUM
fsr-3807	48	48	's	's	PART
fsr-3807	48	49	future	future	ADJ
fsr-3807	48	50	productivity	productivity	NOUN
fsr-3807	48	51	to	to	ADP
fsr-3807	48	52	potential	potential	ADJ
fsr-3807	48	53	employers	employer	NOUN
fsr-3807	48	54	.	.	PUNCT
fsr-3807	49	1	in	in	ADP
fsr-3807	49	2	any	any	DET
fsr-3807	49	3	event	event	NOUN
fsr-3807	49	4	,	,	PUNCT
fsr-3807	49	5	one	one	PRON
fsr-3807	49	6	could	could	AUX
fsr-3807	49	7	reasonably	reasonably	ADV
fsr-3807	49	8	infer	infer	VERB
fsr-3807	49	9	that	that	SCONJ
fsr-3807	49	10	the	the	DET
fsr-3807	49	11	prudent	prudent	ADJ
fsr-3807	49	12	planner	planner	NOUN
fsr-3807	49	13	will	will	AUX
fsr-3807	49	14	attempt	attempt	VERB
fsr-3807	49	15	to	to	PART
fsr-3807	49	16	relate	relate	VERB
fsr-3807	49	17	the	the	DET
fsr-3807	49	18	cost	cost	NOUN
fsr-3807	49	19	of	of	ADP
fsr-3807	49	20	education	education	NOUN
fsr-3807	49	21	to	to	ADP
fsr-3807	49	22	its	its	PRON
fsr-3807	49	23	expected	expect	VERB
fsr-3807	49	24	benefits	benefit	NOUN
fsr-3807	49	25	,	,	PUNCT
fsr-3807	49	26	and	and	CCONJ
fsr-3807	49	27	incorporate	incorporate	VERB
fsr-3807	49	28	those	those	DET
fsr-3807	49	29	values	value	NOUN
fsr-3807	49	30	into	into	ADP
fsr-3807	49	31	the	the	DET
fsr-3807	49	32	financial	financial	ADJ
fsr-3807	49	33	plan	plan	NOUN
fsr-3807	49	34	being	be	AUX
fsr-3807	49	35	prepared	prepare	VERB
fsr-3807	49	36	.	.	PUNCT
fsr-3807	50	1	hi	hi	INTJ
fsr-3807	50	2	.	.	PUNCT
fsr-3807	51	1	current	current	ADJ
fsr-3807	51	2	practice	practice	NOUN
fsr-3807	51	3	given	give	VERB
fsr-3807	51	4	the	the	DET
fsr-3807	51	5	complexities	complexity	NOUN
fsr-3807	51	6	of	of	ADP
fsr-3807	51	7	this	this	DET
fsr-3807	51	8	financial	financial	ADJ
fsr-3807	51	9	planning	planning	NOUN
fsr-3807	51	10	problem	problem	NOUN
fsr-3807	51	11	,	,	PUNCT
fsr-3807	51	12	as	as	ADV
fsr-3807	51	13	well	well	ADV
fsr-3807	51	14	as	as	ADP
fsr-3807	51	15	the	the	DET
fsr-3807	51	16	fact	fact	NOUN
fsr-3807	51	17	that	that	SCONJ
fsr-3807	51	18	it	it	PRON
fsr-3807	51	19	impacts	impact	VERB
fsr-3807	51	20	millions	million	NOUN
fsr-3807	51	21	of	of	ADP
fsr-3807	51	22	people	people	NOUN
fsr-3807	51	23	each	each	DET
fsr-3807	51	24	year	year	NOUN
fsr-3807	51	25	,	,	PUNCT
fsr-3807	51	26	it	it	PRON
fsr-3807	51	27	is	be	AUX
fsr-3807	51	28	no	no	DET
fsr-3807	51	29	surprise	surprise	NOUN
fsr-3807	51	30	that	that	SCONJ
fsr-3807	51	31	"	"	PUNCT
fsr-3807	51	32	one	one	NUM
fsr-3807	51	33	size	size	NOUN
fsr-3807	51	34	fits	fit	VERB
fsr-3807	51	35	all	all	DET
fsr-3807	51	36	"	"	PUNCT
fsr-3807	51	37	tables	table	NOUN
fsr-3807	51	38	designed	design	VERB
fsr-3807	51	39	to	to	PART
fsr-3807	51	40	help	help	VERB
fsr-3807	51	41	one	one	NUM
fsr-3807	51	42	plan	plan	NOUN
fsr-3807	51	43	for	for	ADP
fsr-3807	51	44	meeting	meet	VERB
fsr-3807	51	45	college	college	NOUN
fsr-3807	51	46	expenses	expense	NOUN
fsr-3807	51	47	are	be	AUX
fsr-3807	51	48	ubiquitous	ubiquitous	ADJ
fsr-3807	51	49	.	.	PUNCT
fsr-3807	52	1	among	among	ADP
fsr-3807	52	2	other	other	ADJ
fsr-3807	52	3	places	place	NOUN
fsr-3807	52	4	,	,	PUNCT
fsr-3807	52	5	they	they	PRON
fsr-3807	52	6	have	have	AUX
fsr-3807	52	7	appeared	appear	VERB
fsr-3807	52	8	in	in	ADP
fsr-3807	52	9	such	such	ADJ
fsr-3807	52	10	publications	publication	NOUN
fsr-3807	52	11	as	as	ADP
fsr-3807	52	12	money	money	NOUN
fsr-3807	52	13	magazine	magazine	NOUN
fsr-3807	52	14	,	,	PUNCT
fsr-3807	52	15	usa	usa	PROPN
fsr-3807	52	16	today	today	NOUN
fsr-3807	52	17	,	,	PUNCT
fsr-3807	52	18	various	various	ADJ
fsr-3807	52	19	newspapers	newspaper	NOUN
fsr-3807	52	20	,	,	PUNCT
fsr-3807	52	21	reports	report	NOUN
fsr-3807	52	22	distributed	distribute	VERB
fsr-3807	52	23	by	by	ADP
fsr-3807	52	24	brokerage	brokerage	NOUN
fsr-3807	52	25	finns	finn	NOUN
fsr-3807	52	26	,	,	PUNCT
fsr-3807	52	27	at	at	ADP
fsr-3807	52	28	various	various	ADJ
fsr-3807	52	29	sites	site	NOUN
fsr-3807	52	30	on	on	ADP
fsr-3807	52	31	the	the	DET
fsr-3807	52	32	world	world	NOUN
fsr-3807	52	33	wide	wide	ADJ
fsr-3807	52	34	web	web	NOUN
fsr-3807	52	35	,	,	PUNCT
fsr-3807	52	36	as	as	ADV
fsr-3807	52	37	well	well	ADV
fsr-3807	52	38	as	as	ADP
fsr-3807	52	39	in	in	ADP
fsr-3807	52	40	professional	professional	ADJ
fsr-3807	52	41	publications	publication	NOUN
fsr-3807	52	42	whose	whose	DET
fsr-3807	52	43	audiences	audience	NOUN
fsr-3807	52	44	include	include	VERB
fsr-3807	52	45	professional	professional	ADJ
fsr-3807	52	46	financial	financial	ADJ
fsr-3807	52	47	planners	planner	NOUN
fsr-3807	52	48	.	.	PUNCT
fsr-3807	53	1	tables	table	NOUN
fsr-3807	53	2	1	1	NUM
fsr-3807	53	3	and	and	CCONJ
fsr-3807	53	4	2	2	NUM
fsr-3807	53	5	are	be	AUX
fsr-3807	53	6	examples	example	NOUN
fsr-3807	53	7	prepared	prepare	VERB
fsr-3807	53	8	by	by	ADP
fsr-3807	53	9	the	the	DET
fsr-3807	53	10	american	american	PROPN
fsr-3807	53	11	institute	institute	PROPN
fsr-3807	53	12	of	of	ADP
fsr-3807	53	13	certified	certify	VERB
fsr-3807	53	14	public	public	ADJ
fsr-3807	53	15	accountants	accountant	NOUN
fsr-3807	53	16	(	(	PUNCT
fsr-3807	53	17	aicpa	aicpa	PROPN
fsr-3807	53	18	)	)	PUNCT
fsr-3807	53	19	and	and	CCONJ
fsr-3807	53	20	the	the	DET
fsr-3807	53	21	college	college	NOUN
fsr-3807	53	22	board	board	NOUN
fsr-3807	53	23	,	,	PUNCT
fsr-3807	53	24	respectively	respectively	ADV
fsr-3807	53	25	.	.	PUNCT
fsr-3807	54	1	consider	consider	VERB
fsr-3807	54	2	table	table	NOUN
fsr-3807	54	3	1	1	NUM
fsr-3807	54	4	.	.	PUNCT
fsr-3807	55	1	assuming	assume	VERB
fsr-3807	55	2	one	one	NOUN
fsr-3807	55	3	has	have	VERB
fsr-3807	55	4	a	a	DET
fsr-3807	55	5	five	five	NUM
fsr-3807	55	6	year	year	NOUN
fsr-3807	55	7	-	-	PUNCT
fsr-3807	55	8	old	old	ADJ
fsr-3807	55	9	child	child	NOUN
fsr-3807	55	10	,	,	PUNCT
fsr-3807	55	11	college	college	NOUN
fsr-3807	55	12	costs	cost	VERB
fsr-3807	55	13	$	$	SYM
fsr-3807	55	14	10,000	10,000	NUM
fsr-3807	55	15	today	today	NOUN
fsr-3807	55	16	and	and	CCONJ
fsr-3807	55	17	is	be	AUX
fsr-3807	55	18	expected	expect	VERB
fsr-3807	55	19	to	to	PART
fsr-3807	55	20	increase	increase	VERB
fsr-3807	55	21	at	at	ADP
fsr-3807	55	22	7	7	NUM
fsr-3807	55	23	percent	percent	NOUN
fsr-3807	55	24	annually	annually	ADV
fsr-3807	55	25	for	for	ADP
fsr-3807	55	26	the	the	DET
fsr-3807	55	27	foreseeable	foreseeable	ADJ
fsr-3807	55	28	future	future	NOUN
fsr-3807	55	29	,	,	PUNCT
fsr-3807	55	30	the	the	DET
fsr-3807	55	31	total	total	ADJ
fsr-3807	55	32	cost	cost	NOUN
fsr-3807	55	33	of	of	ADP
fsr-3807	55	34	four	four	NUM
fsr-3807	55	35	years	year	NOUN
fsr-3807	55	36	of	of	ADP
fsr-3807	55	37	college	college	NOUN
fsr-3807	55	38	is	be	AUX
fsr-3807	55	39	predicted	predict	VERB
fsr-3807	55	40	to	to	PART
fsr-3807	55	41	be	be	AUX
fsr-3807	55	42	$	$	SYM
fsr-3807	55	43	106,996	106,996	NUM
fsr-3807	55	44	,	,	PUNCT
fsr-3807	55	45	according	accord	VERB
fsr-3807	55	46	to	to	ADP
fsr-3807	55	47	column	column	NOUN
fsr-3807	55	48	two	two	NUM
fsr-3807	55	49	.	.	PUNCT
fsr-3807	56	1	(	(	PUNCT
fsr-3807	56	2	this	this	DET
fsr-3807	56	3	value	value	NOUN
fsr-3807	56	4	rep	rep	NOUN
fsr-3807	56	5	resents	resent	VERB
fsr-3807	56	6	the	the	DET
fsr-3807	56	7	sum	sum	NOUN
fsr-3807	56	8	,	,	PUNCT
fsr-3807	56	9	at	at	ADP
fsr-3807	56	10	matriculation	matriculation	NOUN
fsr-3807	56	11	,	,	PUNCT
fsr-3807	56	12	of	of	ADP
fsr-3807	56	13	the	the	DET
fsr-3807	56	14	four	four	NUM
fsr-3807	56	15	future	future	ADJ
fsr-3807	56	16	values	value	NOUN
fsr-3807	56	17	of	of	ADP
fsr-3807	56	18	the	the	DET
fsr-3807	56	19	assumed	assumed	ADJ
fsr-3807	56	20	initial	initial	ADJ
fsr-3807	56	21	cost	cost	NOUN
fsr-3807	56	22	.	.	PUNCT
fsr-3807	57	1	that	that	PRON
fsr-3807	57	2	is	be	AUX
fsr-3807	57	3	,	,	PUNCT
fsr-3807	57	4	$	$	SYM
fsr-3807	57	5	106,996	106,996	NUM
fsr-3807	57	6	=	=	SYM
fsr-3807	57	7	$	$	SYM
fsr-3807	57	8	10,000(1.07	10,000(1.07	NUM
fsr-3807	57	9	)	)	PUNCT
fsr-3807	57	10	13	13	NUM
fsr-3807	57	11	+	+	CCONJ
fsr-3807	57	12	$	$	SYM
fsr-3807	57	13	10,000(1.07	10,000(1.07	NUM
fsr-3807	57	14	)	)	PUNCT
fsr-3807	57	15	14	14	NUM
fsr-3807	57	16	+	+	CCONJ
fsr-3807	57	17	$	$	SYM
fsr-3807	57	18	10,000(1.07)15	10,000(1.07)15	NUM
fsr-3807	57	19	+	+	CCONJ
fsr-3807	57	20	$	$	SYM
fsr-3807	57	21	10,000(1.07)16	10,000(1.07)16	NUM
fsr-3807	57	22	.	.	PUNCT
fsr-3807	57	23	)	)	PUNCT
fsr-3807	58	1	columns	column	NOUN
fsr-3807	58	2	three	three	NUM
fsr-3807	58	3	,	,	PUNCT
fsr-3807	58	4	four	four	NUM
fsr-3807	58	5	,	,	PUNCT
fsr-3807	58	6	and	and	CCONJ
fsr-3807	58	7	five	five	NUM
fsr-3807	58	8	indicate	indicate	VERB
fsr-3807	58	9	the	the	DET
fsr-3807	58	10	deposits	deposit	NOUN
fsr-3807	58	11	necessary	necessary	ADJ
fsr-3807	58	12	to	to	PART
fsr-3807	58	13	accumulate	accumulate	VERB
fsr-3807	58	14	this	this	DET
fsr-3807	58	15	amount	amount	NOUN
fsr-3807	58	16	44	44	NUM
fsr-3807	58	17	financial	financial	ADJ
fsr-3807	58	18	services	service	NOUN
fsr-3807	58	19	review	review	VERB
fsr-3807	58	20	6(1	6(1	NUM
fsr-3807	58	21	)	)	PUNCT
fsr-3807	58	22	1997	1997	NUM
fsr-3807	58	23	table	table	NOUN
fsr-3807	58	24	1	1	NUM
fsr-3807	58	25	projected	project	VERB
fsr-3807	58	26	cost	cost	NOUN
fsr-3807	58	27	and	and	CCONJ
fsr-3807	58	28	required	require	VERB
fsr-3807	58	29	funding	funding	NOUN
fsr-3807	58	30	for	for	ADP
fsr-3807	58	31	four	four	NUM
fsr-3807	58	32	years	year	NOUN
fsr-3807	58	33	of	of	ADP
fsr-3807	58	34	college	college	NOUN
fsr-3807	58	35	projected	project	VERB
fsr-3807	58	36	fouryear	fouryear	ADJ
fsr-3807	58	37	required	require	VERB
fsr-3807	58	38	funding	funding	NOUN
fsr-3807	58	39	child	child	NOUN
fsr-3807	58	40	's	's	PART
fsr-3807	58	41	age	age	NOUN
fsr-3807	58	42	college	college	NOUN
fsr-3807	58	43	cost	cost	VERB
fsr-3807	58	44	single	single	ADJ
fsr-3807	58	45	payment	payment	NOUN
fsr-3807	58	46	annual	annual	ADJ
fsr-3807	58	47	monthly	monthly	ADJ
fsr-3807	58	48	1	1	NUM
fsr-3807	58	49	$	$	SYM
fsr-3807	58	50	140,250	140,250	NUM
fsr-3807	58	51	$	$	SYM
fsr-3807	58	52	37,905	37,905	NUM
fsr-3807	58	53	$	$	SYM
fsr-3807	58	54	3,848	3,848	NUM
fsr-3807	58	55	$	$	SYM
fsr-3807	58	56	323	323	NUM
fsr-3807	58	57	2	2	NUM
fsr-3807	58	58	131,074	131,074	NUM
fsr-3807	58	59	38,259	38,259	NUM
fsr-3807	58	60	4,002	4,002	NUM
fsr-3807	58	61	336	336	NUM
fsr-3807	58	62	3	3	NUM
fsr-3807	58	63	122,499	122,499	NUM
fsr-3807	58	64	38,617	38,617	NUM
fsr-3807	58	65	4,177	4,177	NUM
fsr-3807	58	66	352	352	NUM
fsr-3807	58	67	4	4	NUM
fsr-3807	58	68	114,485	114,485	NUM
fsr-3807	58	69	38,978	38,978	NUM
fsr-3807	58	70	4,378	4,378	NUM
fsr-3807	58	71	369	369	NUM
fsr-3807	58	72	5	5	NUM
fsr-3807	58	73	106,996	106,996	NUM
fsr-3807	58	74	39,342	39,342	NUM
fsr-3807	58	75	4,609	4,609	NUM
fsr-3807	58	76	389	389	NUM
fsr-3807	58	77	6	6	NUM
fsr-3807	58	78	99,996	99,996	NUM
fsr-3807	58	79	39,710	39,710	NUM
fsr-3807	58	80	4,876	4,876	NUM
fsr-3807	58	81	413	413	NUM
fsr-3807	58	82	7	7	NUM
fsr-3807	58	83	93,454	93,454	NUM
fsr-3807	58	84	40,081	40,081	NUM
fsr-3807	58	85	5,199	5,199	NUM
fsr-3807	58	86	441	441	NUM
fsr-3807	58	87	8	8	NUM
fsr-3807	58	88	87,340	87,340	NUM
fsr-3807	58	89	40,456	40,456	NUM
fsr-3807	58	90	5,582	5,582	NUM
fsr-3807	58	91	474	474	NUM
fsr-3807	58	92	9	9	NUM
fsr-3807	58	93	81,627	81,627	NUM
fsr-3807	58	94	40,834	40,834	NUM
fsr-3807	58	95	6,052	6,052	NUM
fsr-3807	58	96	515	515	NUM
fsr-3807	58	97	10	10	NUM
fsr-3807	58	98	76,286	76,286	NUM
fsr-3807	58	99	41,215	41,215	NUM
fsr-3807	58	100	6,641	6,641	NUM
fsr-3807	58	101	566	566	NUM
fsr-3807	58	102	11	11	NUM
fsr-3807	58	103	71"296	71"296	NUM
fsr-3807	58	104	41,600	41,600	NUM
fsr-3807	58	105	7,398	7,398	NUM
fsr-3807	58	106	632	632	NUM
fsr-3807	58	107	12	12	NUM
fsr-3807	58	108	66,632	66,632	NUM
fsr-3807	58	109	41,989	41,989	NUM
fsr-3807	58	110	8,410	8,410	NUM
fsr-3807	58	111	719	719	NUM
fsr-3807	58	112	13	13	NUM
fsr-3807	58	113	62,272	62,272	NUM
fsr-3807	58	114	42,382	42,382	NUM
fsr-3807	58	115	9,828	9,828	NUM
fsr-3807	58	116	842	842	NUM
fsr-3807	58	117	14	14	NUM
fsr-3807	58	118	58,199	58,199	NUM
fsr-3807	58	119	42,778	42,778	NUM
fsr-3807	58	120	11,959	11,959	NUM
fsr-3807	58	121	1,026	1,026	NUM
fsr-3807	58	122	15	15	NUM
fsr-3807	58	123	54,391	54,391	NUM
fsr-3807	58	124	43,177	43,177	NUM
fsr-3807	58	125	15,513	15,513	NUM
fsr-3807	58	126	1,333	1,333	NUM
fsr-3807	58	127	16	16	NUM
fsr-3807	58	128	50,833	50,833	NUM
fsr-3807	58	129	43,581	43,581	NUM
fsr-3807	58	130	22,629	22,629	NUM
fsr-3807	58	131	1,947	1,947	NUM
fsr-3807	58	132	17	17	NUM
fsr-3807	58	133	47,505	47,505	NUM
fsr-3807	58	134	43,988	43,988	NUM
fsr-3807	58	135	43,988	43,988	NUM
fsr-3807	58	136	3,791	3,791	NUM
fsr-3807	58	137	source	source	NOUN
fsr-3807	58	138	:	:	PUNCT
fsr-3807	58	139	aicpa	aicpa	VERB
fsr-3807	58	140	personal	personal	ADJ
fsr-3807	58	141	financial	financial	ADJ
fsr-3807	58	142	planning	planning	NOUN
fsr-3807	58	143	manual	manual	NOUN
fsr-3807	58	144	.	.	PUNCT
fsr-3807	59	1	note	note	NOUN
fsr-3807	59	2	:	:	PUNCT
fsr-3807	59	3	the	the	DET
fsr-3807	59	4	exhibit	exhibit	NOUN
fsr-3807	59	5	assumes	assume	VERB
fsr-3807	59	6	a	a	DET
fsr-3807	59	7	7	7	NUM
fsr-3807	59	8	%	%	NOUN
fsr-3807	59	9	inflation	inflation	NOUN
fsr-3807	59	10	rate	rate	NOUN
fsr-3807	59	11	for	for	ADP
fsr-3807	59	12	college	college	NOUN
fsr-3807	59	13	costs	cost	NOUN
fsr-3807	59	14	,	,	PUNCT
fsr-3807	59	15	an	an	DET
fsr-3807	59	16	8	8	NUM
fsr-3807	59	17	%	%	NOUN
fsr-3807	59	18	after	after	ADP
fsr-3807	59	19	-	-	PUNCT
fsr-3807	59	20	tax	tax	NOUN
fsr-3807	59	21	return	return	NOUN
fsr-3807	59	22	on	on	ADP
fsr-3807	59	23	investments	investment	NOUN
fsr-3807	59	24	,	,	PUNCT
fsr-3807	59	25	and	and	CCONJ
fsr-3807	59	26	current	current	ADJ
fsr-3807	59	27	college	college	NOUN
fsr-3807	59	28	costs	cost	NOUN
fsr-3807	59	29	of	of	ADP
fsr-3807	59	30	$	$	SYM
fsr-3807	59	31	10,000	10,000	NUM
fsr-3807	59	32	annually	annually	ADV
fsr-3807	59	33	.	.	PUNCT
fsr-3807	60	1	given	give	VERB
fsr-3807	60	2	(	(	PUNCT
fsr-3807	60	3	a	a	X
fsr-3807	60	4	)	)	PUNCT
fsr-3807	60	5	an	an	DET
fsr-3807	60	6	eight	eight	NUM
fsr-3807	60	7	percent	percent	NOUN
fsr-3807	60	8	after	after	ADP
fsr-3807	60	9	-	-	PUNCT
fsr-3807	60	10	tax	tax	NOUN
fsr-3807	60	11	return	return	NOUN
fsr-3807	60	12	on	on	ADP
fsr-3807	60	13	funds	fund	NOUN
fsr-3807	60	14	invested	invest	VERB
fsr-3807	60	15	,	,	PUNCT
fsr-3807	60	16	and	and	CCONJ
fsr-3807	60	17	(	(	PUNCT
fsr-3807	60	18	b	b	NOUN
fsr-3807	60	19	)	)	PUNCT
fsr-3807	60	20	investment	investment	NOUN
fsr-3807	60	21	frequencies	frequency	NOUN
fsr-3807	60	22	of	of	ADP
fsr-3807	60	23	one	one	NUM
fsr-3807	60	24	lump	lump	NOUN
fsr-3807	60	25	sum	sum	NOUN
fsr-3807	60	26	,	,	PUNCT
fsr-3807	60	27	annual	annual	ADJ
fsr-3807	60	28	payments	payment	NOUN
fsr-3807	60	29	,	,	PUNCT
fsr-3807	60	30	or	or	CCONJ
fsr-3807	60	31	monthly	monthly	ADJ
fsr-3807	60	32	payments	payment	NOUN
fsr-3807	60	33	.	.	PUNCT
fsr-3807	61	1	according	accord	VERB
fsr-3807	61	2	to	to	ADP
fsr-3807	61	3	the	the	DET
fsr-3807	61	4	table	table	NOUN
fsr-3807	61	5	,	,	PUNCT
fsr-3807	61	6	one	one	PRON
fsr-3807	61	7	would	would	AUX
fsr-3807	61	8	need	need	VERB
fsr-3807	61	9	to	to	PART
fsr-3807	61	10	set	set	VERB
fsr-3807	61	11	aside	aside	ADV
fsr-3807	61	12	$	$	SYM
fsr-3807	61	13	39,342	39,342	NUM
fsr-3807	61	14	today	today	NOUN
fsr-3807	61	15	to	to	PART
fsr-3807	61	16	accumulate	accumulate	VERB
fsr-3807	61	17	the	the	DET
fsr-3807	61	18	necessary	necessary	ADJ
fsr-3807	61	19	funds	fund	NOUN
fsr-3807	61	20	,	,	PUNCT
fsr-3807	61	21	or	or	CCONJ
fsr-3807	61	22	make	make	VERB
fsr-3807	61	23	thirteen	thirteen	NUM
fsr-3807	61	24	annual	annual	ADJ
fsr-3807	61	25	deposits	deposit	NOUN
fsr-3807	61	26	of	of	ADP
fsr-3807	61	27	$	$	SYM
fsr-3807	61	28	4,609	4,609	NUM
fsr-3807	61	29	(	(	PUNCT
fsr-3807	61	30	assuming	assume	VERB
fsr-3807	61	31	deposits	deposit	NOUN
fsr-3807	61	32	begin	begin	VERB
fsr-3807	61	33	one	one	NUM
fsr-3807	61	34	year	year	NOUN
fsr-3807	61	35	from	from	ADP
fsr-3807	61	36	today	today	NOUN
fsr-3807	61	37	)	)	PUNCT
fsr-3807	61	38	,	,	PUNCT
fsr-3807	61	39	or	or	CCONJ
fsr-3807	61	40	make	make	VERB
fsr-3807	61	41	156	156	NUM
fsr-3807	61	42	(	(	PUNCT
fsr-3807	61	43	=	=	SYM
fsr-3807	61	44	13	13	NUM
fsr-3807	61	45	x	x	SYM
fsr-3807	61	46	12	12	NUM
fsr-3807	61	47	)	)	PUNCT
fsr-3807	61	48	monthly	monthly	ADJ
fsr-3807	61	49	deposits	deposit	NOUN
fsr-3807	61	50	of	of	ADP
fsr-3807	61	51	$	$	SYM
fsr-3807	61	52	389	389	NUM
fsr-3807	61	53	(	(	PUNCT
fsr-3807	61	54	assuming	assume	VERB
fsr-3807	61	55	deposits	deposit	NOUN
fsr-3807	61	56	begin	begin	VERB
fsr-3807	61	57	one	one	NUM
fsr-3807	61	58	month	month	NOUN
fsr-3807	61	59	from	from	ADP
fsr-3807	61	60	today	today	NOUN
fsr-3807	61	61	)	)	PUNCT
fsr-3807	61	62	.	.	PUNCT
fsr-3807	62	1	sim	sim	PROPN
fsr-3807	62	2	ilarly	ilarly	ADV
fsr-3807	62	3	,	,	PUNCT
fsr-3807	62	4	the	the	DET
fsr-3807	62	5	table	table	NOUN
fsr-3807	62	6	distributed	distribute	VERB
fsr-3807	62	7	by	by	ADP
fsr-3807	62	8	the	the	DET
fsr-3807	62	9	college	college	NOUN
fsr-3807	62	10	board	board	NOUN
fsr-3807	62	11	compares	compare	VERB
fsr-3807	62	12	the	the	DET
fsr-3807	62	13	expected	expect	VERB
fsr-3807	62	14	costs	cost	NOUN
fsr-3807	62	15	and	and	CCONJ
fsr-3807	62	16	required	require	VERB
fsr-3807	62	17	savings	saving	NOUN
fsr-3807	62	18	between	between	ADP
fsr-3807	62	19	public	public	ADJ
fsr-3807	62	20	and	and	CCONJ
fsr-3807	62	21	private	private	ADJ
fsr-3807	62	22	institutions	institution	NOUN
fsr-3807	62	23	(	(	PUNCT
fsr-3807	62	24	table	table	NOUN
fsr-3807	62	25	2	2	NUM
fsr-3807	62	26	)	)	PUNCT
fsr-3807	62	27	.	.	PUNCT
fsr-3807	63	1	given	give	VERB
fsr-3807	63	2	(	(	PUNCT
fsr-3807	63	3	a	a	X
fsr-3807	63	4	)	)	PUNCT
fsr-3807	63	5	the	the	DET
fsr-3807	63	6	child	child	NOUN
fsr-3807	63	7	's	's	PART
fsr-3807	63	8	current	current	ADJ
fsr-3807	63	9	age	age	NOUN
fsr-3807	63	10	,	,	PUNCT
fsr-3807	63	11	co	co	NOUN
fsr-3807	63	12	)	)	PUNCT
fsr-3807	63	13	the	the	DET
fsr-3807	63	14	current	current	ADJ
fsr-3807	63	15	cost	cost	NOUN
fsr-3807	63	16	of	of	ADP
fsr-3807	63	17	four	four	NUM
fsr-3807	63	18	years	year	NOUN
fsr-3807	63	19	of	of	ADP
fsr-3807	63	20	school	school	NOUN
fsr-3807	63	21	,	,	PUNCT
fsr-3807	63	22	and	and	CCONJ
fsr-3807	63	23	(	(	PUNCT
fsr-3807	63	24	c	c	NOUN
fsr-3807	63	25	)	)	PUNCT
fsr-3807	63	26	estimates	estimate	NOUN
fsr-3807	63	27	of	of	ADP
fsr-3807	63	28	the	the	DET
fsr-3807	63	29	growth	growth	NOUN
fsr-3807	63	30	rate	rate	NOUN
fsr-3807	63	31	of	of	ADP
fsr-3807	63	32	college	college	NOUN
fsr-3807	63	33	costs	cost	NOUN
fsr-3807	63	34	and	and	CCONJ
fsr-3807	63	35	investment	investment	NOUN
fsr-3807	63	36	yields	yield	NOUN
fsr-3807	63	37	,	,	PUNCT
fsr-3807	63	38	the	the	DET
fsr-3807	63	39	table	table	NOUN
fsr-3807	63	40	indicates	indicate	VERB
fsr-3807	63	41	the	the	DET
fsr-3807	63	42	monthly	monthly	ADJ
fsr-3807	63	43	savings	saving	NOUN
fsr-3807	63	44	necessary	necessary	ADJ
fsr-3807	63	45	to	to	PART
fsr-3807	63	46	finance	finance	VERB
fsr-3807	63	47	the	the	DET
fsr-3807	63	48	child	child	NOUN
fsr-3807	63	49	's	's	PART
fsr-3807	63	50	college	college	NOUN
fsr-3807	63	51	education	education	NOUN
fsr-3807	63	52	.	.	PUNCT
fsr-3807	64	1	this	this	DET
fsr-3807	64	2	table	table	NOUN
fsr-3807	64	3	assumes	assume	VERB
fsr-3807	64	4	that	that	SCONJ
fsr-3807	64	5	college	college	NOUN
fsr-3807	64	6	costs	cost	NOUN
fsr-3807	64	7	will	will	AUX
fsr-3807	64	8	rise	rise	VERB
fsr-3807	64	9	at	at	ADP
fsr-3807	64	10	a	a	DET
fsr-3807	64	11	6	6	NUM
fsr-3807	64	12	percent	percent	NOUN
fsr-3807	64	13	annual	annual	ADJ
fsr-3807	64	14	rate	rate	NOUN
fsr-3807	64	15	and	and	CCONJ
fsr-3807	64	16	that	that	SCONJ
fsr-3807	64	17	invested	invest	VERB
fsr-3807	64	18	funds	fund	NOUN
fsr-3807	64	19	will	will	AUX
fsr-3807	64	20	yield	yield	VERB
fsr-3807	64	21	8	8	NUM
fsr-3807	64	22	percent	percent	NOUN
fsr-3807	64	23	per	per	ADP
fsr-3807	64	24	annum	annum	X
fsr-3807	64	25	.	.	PUNCT
fsr-3807	65	1	column	column	PROPN
fsr-3807	65	2	2	2	NUM
fsr-3807	65	3	indicates	indicate	VERB
fsr-3807	65	4	the	the	DET
fsr-3807	65	5	cost	cost	NOUN
fsr-3807	65	6	of	of	ADP
fsr-3807	65	7	four	four	NUM
fsr-3807	65	8	years	year	NOUN
fsr-3807	65	9	of	of	ADP
fsr-3807	65	10	college	college	NOUN
fsr-3807	65	11	from	from	ADP
fsr-3807	65	12	three	three	NUM
fsr-3807	65	13	to	to	PART
fsr-3807	65	14	seventeen	seventeen	NUM
fsr-3807	65	15	years	year	NOUN
fsr-3807	65	16	from	from	ADP
fsr-3807	65	17	today	today	NOUN
fsr-3807	65	18	;	;	PUNCT
fsr-3807	65	19	that	that	PRON
fsr-3807	65	20	is	is	ADV
fsr-3807	65	21	,	,	PUNCT
fsr-3807	65	22	it	it	PRON
fsr-3807	65	23	is	be	AUX
fsr-3807	65	24	useful	useful	ADJ
fsr-3807	65	25	for	for	ADP
fsr-3807	65	26	the	the	DET
fsr-3807	65	27	child	child	NOUN
fsr-3807	65	28	who	who	PRON
fsr-3807	65	29	will	will	AUX
fsr-3807	65	30	enter	enter	VERB
fsr-3807	65	31	college	college	NOUN
fsr-3807	65	32	at	at	ADP
fsr-3807	65	33	age	age	NOUN
fsr-3807	65	34	eighteen	eighteen	NUM
fsr-3807	65	35	and	and	CCONJ
fsr-3807	65	36	who	who	PRON
fsr-3807	65	37	is	be	AUX
fsr-3807	65	38	now	now	ADV
fsr-3807	65	39	as	as	ADV
fsr-3807	65	40	old	old	ADJ
fsr-3807	65	41	as	as	ADP
fsr-3807	65	42	fifteen	fifteen	NUM
fsr-3807	65	43	or	or	CCONJ
fsr-3807	65	44	as	as	ADV
fsr-3807	65	45	young	young	ADJ
fsr-3807	65	46	as	as	ADP
fsr-3807	65	47	one	one	NUM
fsr-3807	65	48	.	.	PUNCT
fsr-3807	66	1	the	the	DET
fsr-3807	66	2	columnar	columnar	ADJ
fsr-3807	66	3	values	value	NOUN
fsr-3807	66	4	indicate	indicate	VERB
fsr-3807	66	5	that	that	SCONJ
fsr-3807	66	6	the	the	DET
fsr-3807	66	7	cost	cost	NOUN
fsr-3807	66	8	of	of	ADP
fsr-3807	66	9	four	four	NUM
fsr-3807	66	10	years	year	NOUN
fsr-3807	66	11	of	of	ADP
fsr-3807	66	12	college	college	NOUN
fsr-3807	66	13	at	at	ADP
fsr-3807	66	14	a	a	DET
fsr-3807	66	15	public	public	ADJ
fsr-3807	66	16	university	university	NOUN
fsr-3807	66	17	will	will	AUX
fsr-3807	66	18	be	be	AUX
fsr-3807	66	19	$	$	SYM
fsr-3807	66	20	65,231	65,231	NUM
fsr-3807	66	21	by	by	ADP
fsr-3807	66	22	the	the	DET
fsr-3807	66	23	time	time	NOUN
fsr-3807	66	24	a	a	DET
fsr-3807	66	25	child	child	NOUN
fsr-3807	66	26	who	who	PRON
fsr-3807	66	27	is	be	AUX
fsr-3807	66	28	five	five	NUM
fsr-3807	66	29	years	year	NOUN
fsr-3807	66	30	old	old	ADJ
fsr-3807	66	31	today	today	NOUN
fsr-3807	66	32	enters	enter	VERB
fsr-3807	66	33	school	school	NOUN
fsr-3807	66	34	.	.	PUNCT
fsr-3807	67	1	(	(	PUNCT
fsr-3807	67	2	by	by	ADP
fsr-3807	67	3	extrapolation	extrapolation	NOUN
fsr-3807	67	4	,	,	PUNCT
fsr-3807	67	5	we	we	PRON
fsr-3807	67	6	find	find	VERB
fsr-3807	67	7	that	that	SCONJ
fsr-3807	67	8	those	those	PRON
fsr-3807	67	9	who	who	PRON
fsr-3807	67	10	prepared	prepare	VERB
fsr-3807	67	11	this	this	DET
fsr-3807	67	12	table	table	NOUN
fsr-3807	67	13	used	use	VERB
fsr-3807	67	14	$	$	SYM
fsr-3807	67	15	6,991	6,991	NUM
fsr-3807	67	16	as	as	ADP
fsr-3807	67	17	the	the	DET
fsr-3807	67	18	assumed	assumed	ADJ
fsr-3807	67	19	current	current	ADJ
fsr-3807	67	20	cost	cost	NOUN
fsr-3807	67	21	of	of	ADP
fsr-3807	67	22	one	one	NUM
fsr-3807	67	23	year	year	NOUN
fsr-3807	67	24	at	at	ADP
fsr-3807	67	25	a	a	DET
fsr-3807	67	26	public	public	ADJ
fsr-3807	67	27	university	university	NOUN
fsr-3807	67	28	.	.	PUNCT
fsr-3807	67	29	)	)	PUNCT
fsr-3807	68	1	financial	financial	ADJ
fsr-3807	68	2	planning	planning	NOUN
fsr-3807	68	3	and	and	CCONJ
fsr-3807	68	4	college	college	NOUN
fsr-3807	68	5	sm	sm	PROPN
fsr-3807	68	6	,	,	PUNCT
fsr-3807	68	7	ings	ing	VERB
fsr-3807	68	8	45	45	NUM
fsr-3807	68	9	table	table	NOUN
fsr-3807	68	10	2	2	NUM
fsr-3807	68	11	monthly	monthly	ADJ
fsr-3807	68	12	saving	saving	NOUN
fsr-3807	68	13	required	require	VERB
fsr-3807	68	14	to	to	PART
fsr-3807	68	15	fund	fund	VERB
fsr-3807	68	16	a	a	DET
fsr-3807	68	17	college	college	NOUN
fsr-3807	68	18	education	education	PROPN
fsr-3807	68	19	publicf	publicf	PROPN
fsr-3807	68	20	college	college	PROPN
fsr-3807	68	21	required	require	VERB
fsr-3807	68	22	monthly	monthly	ADJ
fsr-3807	68	23	private	private	ADJ
fsr-3807	68	24	college	college	NOUN
fsr-3807	68	25	amount	amount	NOUN
fsr-3807	68	26	to	to	PART
fsr-3807	68	27	save	save	VERB
fsr-3807	68	28	age	age	NOUN
fsr-3807	68	29	of	of	ADP
fsr-3807	68	30	child	child	NOUN
fsr-3807	68	31	(	(	PUNCT
fsr-3807	68	32	4	4	NUM
fsr-3807	68	33	years	year	NOUN
fsr-3807	68	34	)	)	PUNCT
fsr-3807	68	35	saving	save	VERB
fsr-3807	68	36	(	(	PUNCT
fsr-3807	68	37	4	4	NUM
fsr-3807	68	38	years	year	NOUN
fsr-3807	68	39	)	)	PUNCT
fsr-3807	68	40	monthly	monthly	ADJ
fsr-3807	68	41	1	1	NUM
fsr-3807	68	42	$	$	SYM
fsr-3807	68	43	82,353	82,353	NUM
fsr-3807	68	44	$	$	SYM
fsr-3807	68	45	191	191	NUM
fsr-3807	68	46	$	$	SYM
fsr-3807	68	47	180,444	180,444	NUM
fsr-3807	68	48	$	$	SYM
fsr-3807	68	49	418	418	NUM
fsr-3807	68	50	2	2	NUM
fsr-3807	68	51	77,691	77,691	NUM
fsr-3807	68	52	201	201	NUM
fsr-3807	68	53	170,230	170,230	NUM
fsr-3807	68	54	440	440	NUM
fsr-3807	68	55	3	3	NUM
fsr-3807	68	56	73,294	73,294	NUM
fsr-3807	68	57	212	212	NUM
fsr-3807	68	58	160,594	160,594	NUM
fsr-3807	68	59	464	464	NUM
fsr-3807	68	60	4	4	NUM
fsr-3807	68	61	69,145	69,145	NUM
fsr-3807	68	62	224	224	NUM
fsr-3807	68	63	151,504	151,504	NUM
fsr-3807	68	64	492	492	NUM
fsr-3807	68	65	5	5	NUM
fsr-3807	68	66	65,231	65,231	NUM
fsr-3807	68	67	239	239	NUM
fsr-3807	68	68	142,928	142,928	NUM
fsr-3807	68	69	524	524	NUM
fsr-3807	68	70	6	6	NUM
fsr-3807	68	71	61,539	61,539	NUM
fsr-3807	68	72	256	256	NUM
fsr-3807	68	73	134,834	134,834	NUM
fsr-3807	68	74	561	561	NUM
fsr-3807	68	75	7	7	NUM
fsr-3807	68	76	58,056	58,056	NUM
fsr-3807	68	77	276	276	NUM
fsr-3807	68	78	127,206	127,206	NUM
fsr-3807	68	79	604	604	NUM
fsr-3807	68	80	8	8	NUM
fsr-3807	68	81	54,769	54,769	NUM
fsr-3807	68	82	299	299	NUM
fsr-3807	68	83	120,005	120,005	NUM
fsr-3807	68	84	656	656	NUM
fsr-3807	68	85	9	9	NUM
fsr-3807	68	86	51,669	51,669	NUM
fsr-3807	68	87	328	328	NUM
fsr-3807	68	88	113,213	113,213	NUM
fsr-3807	68	89	719	719	NUM
fsr-3807	68	90	10	10	NUM
fsr-3807	68	91	48,745	48,745	NUM
fsr-3807	68	92	364	364	NUM
fsr-3807	68	93	106,804	106,804	NUM
fsr-3807	68	94	798	798	NUM
fsr-3807	68	95	i	i	NOUN
fsr-3807	68	96	1	1	NUM
fsr-3807	68	97	45,985	45,985	NUM
fsr-3807	68	98	410	410	NUM
fsr-3807	68	99	100,759	100,759	NUM
fsr-3807	68	100	899	899	NUM
fsr-3807	68	101	12	12	NUM
fsr-3807	68	102	43,382	43,382	NUM
fsr-3807	68	103	471	471	NUM
fsr-3807	68	104	95,055	95,055	NUM
fsr-3807	68	105	1,033	1,033	NUM
fsr-3807	68	106	13	13	NUM
fsr-3807	68	107	40,927	40,927	NUM
fsr-3807	68	108	557	557	NUM
fsr-3807	68	109	89,675	89,675	NUM
fsr-3807	68	110	1,220	1,220	NUM
fsr-3807	68	111	14	14	NUM
fsr-3807	68	112	38,610	38,610	NUM
fsr-3807	68	113	685	685	NUM
fsr-3807	68	114	84,599	84,599	NUM
fsr-3807	68	115	1,501	1,501	NUM
fsr-3807	68	116	15	15	NUM
fsr-3807	68	117	36,425	36,425	NUM
fsr-3807	68	118	899	899	NUM
fsr-3807	68	119	79,810	79,810	NUM
fsr-3807	68	120	1,969	1,969	NUM
fsr-3807	68	121	source	source	NOUN
fsr-3807	68	122	:	:	PUNCT
fsr-3807	68	123	college	college	NOUN
fsr-3807	68	124	board	board	PROPN
fsr-3807	68	125	.	.	PUNCT
fsr-3807	69	1	note	note	VERB
fsr-3807	69	2	:	:	PUNCT
fsr-3807	69	3	the	the	DET
fsr-3807	69	4	exhibit	exhibit	NOUN
fsr-3807	69	5	assumes	assume	VERB
fsr-3807	69	6	a	a	DET
fsr-3807	69	7	6	6	NUM
fsr-3807	69	8	%	%	NOUN
fsr-3807	69	9	inflation	inflation	NOUN
fsr-3807	69	10	rate	rate	NOUN
fsr-3807	69	11	for	for	ADP
fsr-3807	69	12	college	college	NOUN
fsr-3807	69	13	costs	cost	NOUN
fsr-3807	69	14	,	,	PUNCT
fsr-3807	69	15	an	an	DET
fsr-3807	69	16	8	8	NUM
fsr-3807	69	17	%	%	NOUN
fsr-3807	69	18	after	after	ADP
fsr-3807	69	19	-	-	PUNCT
fsr-3807	69	20	tax	tax	NOUN
fsr-3807	69	21	return	return	NOUN
fsr-3807	69	22	on	on	ADP
fsr-3807	69	23	investments	investment	NOUN
fsr-3807	69	24	,	,	PUNCT
fsr-3807	69	25	and	and	CCONJ
fsr-3807	69	26	cunent	cunent	PROPN
fsr-3807	69	27	college	college	NOUN
fsr-3807	69	28	costs	cost	NOUN
fsr-3807	69	29	of	of	ADP
fsr-3807	69	30	$	$	SYM
fsr-3807	69	31	6,991	6,991	NUM
fsr-3807	69	32	annually	annually	ADV
fsr-3807	69	33	.	.	PUNCT
fsr-3807	70	1	funding	fund	VERB
fsr-3807	70	2	the	the	DET
fsr-3807	70	3	indicated	indicate	VERB
fsr-3807	70	4	$	$	SYM
fsr-3807	70	5	65,231	65,231	NUM
fsr-3807	70	6	expenditure	expenditure	NOUN
fsr-3807	70	7	will	will	NOUN
fsr-3807	70	8	,	,	PUNCT
fsr-3807	70	9	according	accord	VERB
fsr-3807	70	10	to	to	ADP
fsr-3807	70	11	the	the	DET
fsr-3807	70	12	table	table	NOUN
fsr-3807	70	13	,	,	PUNCT
fsr-3807	70	14	require	require	VERB
fsr-3807	70	15	monthly	monthly	ADJ
fsr-3807	70	16	savings	saving	NOUN
fsr-3807	70	17	of	of	ADP
fsr-3807	70	18	$	$	SYM
fsr-3807	70	19	239	239	NUM
fsr-3807	70	20	,	,	PUNCT
fsr-3807	70	21	assuming	assume	VERB
fsr-3807	70	22	that	that	SCONJ
fsr-3807	70	23	one	one	PRON
fsr-3807	70	24	can	can	AUX
fsr-3807	70	25	invest	invest	VERB
fsr-3807	70	26	to	to	PART
fsr-3807	70	27	earn	earn	VERB
fsr-3807	70	28	8	8	NUM
fsr-3807	70	29	percent	percent	NOUN
fsr-3807	70	30	per	per	ADP
fsr-3807	70	31	annum	annum	NOUN
fsr-3807	70	32	.	.	PUNCT
fsr-3807	71	1	the	the	DET
fsr-3807	71	2	penalty	penalty	NOUN
fsr-3807	71	3	for	for	ADP
fsr-3807	71	4	failing	fail	VERB
fsr-3807	71	5	to	to	PART
fsr-3807	71	6	plan	plan	VERB
fsr-3807	71	7	ahead	ahead	ADV
fsr-3807	71	8	is	be	AUX
fsr-3807	71	9	apparent	apparent	ADJ
fsr-3807	71	10	when	when	SCONJ
fsr-3807	71	11	one	one	PRON
fsr-3807	71	12	considers	consider	VERB
fsr-3807	71	13	the	the	DET
fsr-3807	71	14	indicated	indicate	VERB
fsr-3807	71	15	monthly	monthly	ADJ
fsr-3807	71	16	savings	saving	NOUN
fsr-3807	71	17	require	require	VERB
fsr-3807	71	18	ment	ment	NOUN
fsr-3807	71	19	for	for	ADP
fsr-3807	71	20	a	a	DET
fsr-3807	71	21	child	child	NOUN
fsr-3807	71	22	who	who	PRON
fsr-3807	71	23	is	be	AUX
fsr-3807	71	24	now	now	ADV
fsr-3807	71	25	fifteen	fifteen	NUM
fsr-3807	71	26	years	year	NOUN
fsr-3807	71	27	old	old	ADJ
fsr-3807	71	28	and	and	CCONJ
fsr-3807	71	29	for	for	ADP
fsr-3807	71	30	which	which	PRON
fsr-3807	71	31	no	no	DET
fsr-3807	71	32	funds	fund	NOUN
fsr-3807	71	33	have	have	AUX
fsr-3807	71	34	previously	previously	ADV
fsr-3807	71	35	been	be	AUX
fsr-3807	71	36	set	set	VERB
fsr-3807	71	37	aside	aside	ADV
fsr-3807	71	38	:	:	PUNCT
fsr-3807	71	39	$	$	SYM
fsr-3807	71	40	899	899	NUM
fsr-3807	71	41	per	per	ADP
fsr-3807	71	42	month	month	NOUN
fsr-3807	71	43	.	.	PUNCT
fsr-3807	72	1	few	few	ADJ
fsr-3807	72	2	family	family	NOUN
fsr-3807	72	3	budgets	budget	NOUN
fsr-3807	72	4	can	can	AUX
fsr-3807	72	5	absorb	absorb	VERB
fsr-3807	72	6	this	this	DET
fsr-3807	72	7	expenditure	expenditure	NOUN
fsr-3807	72	8	without	without	ADP
fsr-3807	72	9	strain	strain	NOUN
fsr-3807	72	10	.	.	PUNCT
fsr-3807	73	1	a	a	DET
fsr-3807	73	2	closer	close	ADJ
fsr-3807	73	3	examination	examination	NOUN
fsr-3807	73	4	of	of	ADP
fsr-3807	73	5	table	table	NOUN
fsr-3807	73	6	2	2	NUM
fsr-3807	73	7	reveals	reveal	VERB
fsr-3807	73	8	some	some	DET
fsr-3807	73	9	rather	rather	ADV
fsr-3807	73	10	questionable	questionable	ADJ
fsr-3807	73	11	(	(	PUNCT
fsr-3807	73	12	but	but	CCONJ
fsr-3807	73	13	commonly	commonly	ADV
fsr-3807	73	14	employed	employ	VERB
fsr-3807	73	15	)	)	PUNCT
fsr-3807	73	16	implicit	implicit	ADJ
fsr-3807	73	17	assumptions	assumption	NOUN
fsr-3807	73	18	:	:	PUNCT
fsr-3807	73	19	(	(	PUNCT
fsr-3807	73	20	a	a	X
fsr-3807	73	21	)	)	PUNCT
fsr-3807	73	22	that	that	SCONJ
fsr-3807	73	23	parents	parent	NOUN
fsr-3807	73	24	desire	desire	VERB
fsr-3807	73	25	to	to	PART
fsr-3807	73	26	have	have	VERB
fsr-3807	73	27	the	the	DET
fsr-3807	73	28	entire	entire	ADJ
fsr-3807	73	29	amount	amount	NOUN
fsr-3807	73	30	needed	need	VERB
fsr-3807	73	31	for	for	ADP
fsr-3807	73	32	four	four	NUM
fsr-3807	73	33	years	year	NOUN
fsr-3807	73	34	of	of	ADP
fsr-3807	73	35	schooling	schooling	NOUN
fsr-3807	73	36	available	available	ADJ
fsr-3807	73	37	at	at	ADP
fsr-3807	73	38	the	the	DET
fsr-3807	73	39	time	time	NOUN
fsr-3807	73	40	the	the	DET
fsr-3807	73	41	child	child	NOUN
fsr-3807	73	42	first	first	ADV
fsr-3807	73	43	enters	enter	VERB
fsr-3807	73	44	school	school	NOUN
fsr-3807	73	45	,	,	PUNCT
fsr-3807	73	46	co	co	NOUN
fsr-3807	73	47	)	)	PUNCT
fsr-3807	73	48	that	that	SCONJ
fsr-3807	73	49	no	no	DET
fsr-3807	73	50	fur	fur	NOUN
fsr-3807	73	51	ther	ther	ADV
fsr-3807	73	52	deposits/'mveslments	deposits/'mveslment	NOUN
fsr-3807	73	53	will	will	AUX
fsr-3807	73	54	be	be	AUX
fsr-3807	73	55	made	make	VERB
fsr-3807	73	56	while	while	SCONJ
fsr-3807	73	57	the	the	DET
fsr-3807	73	58	child	child	NOUN
fsr-3807	73	59	is	be	AUX
fsr-3807	73	60	in	in	ADP
fsr-3807	73	61	school	school	NOUN
fsr-3807	73	62	;	;	PUNCT
fsr-3807	73	63	and	and	CCONJ
fsr-3807	73	64	(	(	PUNCT
fsr-3807	73	65	c	c	X
fsr-3807	73	66	)	)	PUNCT
fsr-3807	74	1	that	that	SCONJ
fsr-3807	74	2	if	if	SCONJ
fsr-3807	74	3	the	the	DET
fsr-3807	74	4	entire	entire	ADJ
fsr-3807	74	5	amount	amount	NOUN
fsr-3807	74	6	is	be	AUX
fsr-3807	74	7	on	on	ADP
fsr-3807	74	8	hand	hand	NOUN
fsr-3807	74	9	at	at	ADP
fsr-3807	74	10	the	the	DET
fsr-3807	74	11	be	be	NOUN
fsr-3807	74	12	~	~	NOUN
fsr-3807	74	13	nning	nning	NOUN
fsr-3807	74	14	of	of	ADP
fsr-3807	74	15	the	the	DET
fsr-3807	74	16	freshman	freshman	NOUN
fsr-3807	74	17	year	year	NOUN
fsr-3807	74	18	,	,	PUNCT
fsr-3807	74	19	funds	fund	NOUN
fsr-3807	74	20	not	not	PART
fsr-3807	74	21	used	use	VERB
fsr-3807	74	22	immediately	immediately	ADV
fsr-3807	74	23	will	will	AUX
fsr-3807	74	24	earn	earn	VERB
fsr-3807	74	25	no	no	DET
fsr-3807	74	26	yield	yield	NOUN
fsr-3807	74	27	over	over	ADP
fsr-3807	74	28	the	the	DET
fsr-3807	74	29	remaining	remain	VERB
fsr-3807	74	30	four	four	NUM
fsr-3807	74	31	years	year	NOUN
fsr-3807	74	32	.	.	PUNCT
fsr-3807	75	1	(	(	PUNCT
fsr-3807	75	2	table	table	NOUN
fsr-3807	75	3	1	1	NUM
fsr-3807	75	4	employs	employ	VERB
fsr-3807	75	5	similar	similar	ADJ
fsr-3807	75	6	assumptions	assumption	NOUN
fsr-3807	75	7	.	.	PUNCT
fsr-3807	75	8	)	)	PUNCT
fsr-3807	76	1	it	it	PRON
fsr-3807	76	2	will	will	AUX
fsr-3807	76	3	be	be	AUX
fsr-3807	76	4	shown	show	VERB
fsr-3807	76	5	that	that	SCONJ
fsr-3807	76	6	the	the	DET
fsr-3807	76	7	combined	combined	ADJ
fsr-3807	76	8	effect	effect	NOUN
fsr-3807	76	9	of	of	ADP
fsr-3807	76	10	these	these	DET
fsr-3807	76	11	unrealistic	unrealistic	ADJ
fsr-3807	76	12	assumptions	assumption	NOUN
fsr-3807	76	13	is	be	AUX
fsr-3807	76	14	to	to	PART
fsr-3807	76	15	substantially	substantially	ADV
fsr-3807	76	16	over	over	ADP
fsr-3807	76	17	state	state	NOUN
fsr-3807	76	18	the	the	DET
fsr-3807	76	19	required	required	ADJ
fsr-3807	76	20	savings	saving	NOUN
fsr-3807	76	21	figures	figure	NOUN
fsr-3807	76	22	.	.	PUNCT
fsr-3807	77	1	iv	iv	X
fsr-3807	77	2	.	.	PUNCT
fsr-3807	77	3	setting	set	VERB
fsr-3807	77	4	things	thing	NOUN
fsr-3807	77	5	straight	straight	ADV
fsr-3807	77	6	each	each	PRON
fsr-3807	77	7	of	of	ADP
fsr-3807	77	8	the	the	DET
fsr-3807	77	9	three	three	NUM
fsr-3807	77	10	assumptions	assumption	NOUN
fsr-3807	77	11	above	above	ADV
fsr-3807	77	12	is	be	AUX
fsr-3807	77	13	restrictive	restrictive	ADJ
fsr-3807	77	14	;	;	PUNCT
fsr-3807	77	15	taken	take	VERB
fsr-3807	77	16	together	together	ADV
fsr-3807	77	17	,	,	PUNCT
fsr-3807	77	18	they	they	PRON
fsr-3807	77	19	can	can	AUX
fsr-3807	77	20	artificially	artificially	ADV
fsr-3807	77	21	inflate	inflate	VERB
fsr-3807	77	22	the	the	DET
fsr-3807	77	23	required	require	VERB
fsr-3807	77	24	monthly	monthly	ADJ
fsr-3807	77	25	savings	saving	NOUN
fsr-3807	77	26	figure	figure	NOUN
fsr-3807	77	27	by	by	ADP
fsr-3807	77	28	a	a	DET
fsr-3807	77	29	sizable	sizable	ADJ
fsr-3807	77	30	amount	amount	NOUN
fsr-3807	77	31	.	.	PUNCT
fsr-3807	78	1	consider	consider	VERB
fsr-3807	78	2	the	the	PRON
fsr-3807	78	3	following	follow	VERB
fsr-3807	78	4	46	46	NUM
fsr-3807	78	5	financial	financial	ADJ
fsr-3807	78	6	services	service	NOUN
fsr-3807	78	7	review	review	VERB
fsr-3807	78	8	6(1	6(1	NUM
fsr-3807	78	9	)	)	PUNCT
fsr-3807	78	10	1997	1997	NUM
fsr-3807	78	11	adjustments	adjustment	NOUN
fsr-3807	78	12	.	.	PUNCT
fsr-3807	79	1	first	first	ADV
fsr-3807	79	2	,	,	PUNCT
fsr-3807	79	3	we	we	PRON
fsr-3807	79	4	suggest	suggest	VERB
fsr-3807	79	5	that	that	SCONJ
fsr-3807	79	6	what	what	PRON
fsr-3807	79	7	is	be	AUX
fsr-3807	79	8	actually	actually	ADV
fsr-3807	79	9	needed	need	VERB
fsr-3807	79	10	at	at	ADP
fsr-3807	79	11	the	the	DET
fsr-3807	79	12	time	time	NOUN
fsr-3807	79	13	of	of	ADP
fsr-3807	79	14	matriculation	matriculation	NOUN
fsr-3807	79	15	is	be	AUX
fsr-3807	79	16	enough	enough	ADJ
fsr-3807	79	17	money	money	NOUN
fsr-3807	79	18	to	to	PART
fsr-3807	79	19	meet	meet	VERB
fsr-3807	79	20	the	the	DET
fsr-3807	79	21	costs	cost	NOUN
fsr-3807	79	22	of	of	ADP
fsr-3807	79	23	the	the	DET
fsr-3807	79	24	coming	come	VERB
fsr-3807	79	25	year	year	NOUN
fsr-3807	79	26	,	,	PUNCT
fsr-3807	79	27	rather	rather	ADV
fsr-3807	79	28	than	than	ADP
fsr-3807	79	29	for	for	ADP
fsr-3807	79	30	the	the	DET
fsr-3807	79	31	entire	entire	ADJ
fsr-3807	79	32	college	college	NOUN
fsr-3807	79	33	expe	expe	ADJ
fsr-3807	79	34	rience	rience	NOUN
fsr-3807	79	35	.	.	PUNCT
fsr-3807	80	1	(	(	PUNCT
fsr-3807	80	2	for	for	ADP
fsr-3807	80	3	the	the	DET
fsr-3807	80	4	sake	sake	NOUN
fsr-3807	80	5	of	of	ADP
fsr-3807	80	6	simplicity	simplicity	NOUN
fsr-3807	80	7	,	,	PUNCT
fsr-3807	80	8	we	we	PRON
fsr-3807	80	9	have	have	AUX
fsr-3807	80	10	assumed	assume	VERB
fsr-3807	80	11	annual	annual	ADJ
fsr-3807	80	12	tuition	tuition	NOUN
fsr-3807	80	13	payments	payment	NOUN
fsr-3807	80	14	in	in	ADP
fsr-3807	80	15	our	our	PRON
fsr-3807	80	16	calcu	calcu	NOUN
fsr-3807	80	17	lations	lation	NOUN
fsr-3807	80	18	.	.	PUNCT
fsr-3807	81	1	adjusting	adjust	VERB
fsr-3807	81	2	for	for	ADP
fsr-3807	81	3	semi	semi	ADJ
fsr-3807	81	4	-	-	ADJ
fsr-3807	81	5	annual	annual	ADJ
fsr-3807	81	6	or	or	CCONJ
fsr-3807	81	7	quarterly	quarterly	ADJ
fsr-3807	81	8	tuition	tuition	NOUN
fsr-3807	81	9	payments	payment	NOUN
fsr-3807	81	10	does	do	AUX
fsr-3807	81	11	not	not	PART
fsr-3807	81	12	materially	materially	ADV
fsr-3807	81	13	affect	affect	VERB
fsr-3807	81	14	the	the	DET
fsr-3807	81	15	conclusions	conclusion	NOUN
fsr-3807	81	16	of	of	ADP
fsr-3807	81	17	this	this	DET
fsr-3807	81	18	paper	paper	NOUN
fsr-3807	81	19	.	.	PUNCT
fsr-3807	81	20	)	)	PUNCT
fsr-3807	82	1	at	at	ADP
fsr-3807	82	2	the	the	DET
fsr-3807	82	3	second	second	ADJ
fsr-3807	82	4	enrollment	enrollment	NOUN
fsr-3807	82	5	date	date	NOUN
fsr-3807	82	6	,	,	PUNCT
fsr-3807	82	7	what	what	PRON
fsr-3807	82	8	is	be	AUX
fsr-3807	82	9	needed	need	VERB
fsr-3807	82	10	is	be	AUX
fsr-3807	82	11	enough	enough	ADJ
fsr-3807	82	12	money	money	NOUN
fsr-3807	82	13	to	to	PART
fsr-3807	82	14	cover	cover	VERB
fsr-3807	82	15	the	the	DET
fsr-3807	82	16	cost	cost	NOUN
fsr-3807	82	17	of	of	ADP
fsr-3807	82	18	the	the	DET
fsr-3807	82	19	second	second	ADJ
fsr-3807	82	20	year	year	NOUN
fsr-3807	82	21	,	,	PUNCT
fsr-3807	82	22	and	and	CCONJ
fsr-3807	82	23	so	so	ADV
fsr-3807	82	24	on	on	ADV
fsr-3807	82	25	.	.	PUNCT
fsr-3807	83	1	the	the	DET
fsr-3807	83	2	implied	imply	VERB
fsr-3807	83	3	requirement	requirement	NOUN
fsr-3807	83	4	to	to	PART
fsr-3807	83	5	accumulate	accumulate	VERB
fsr-3807	83	6	a	a	DET
fsr-3807	83	7	lump	lump	NOUN
fsr-3807	83	8	sum	sum	NOUN
fsr-3807	83	9	upon	upon	SCONJ
fsr-3807	83	10	the	the	DET
fsr-3807	83	11	entry	entry	NOUN
fsr-3807	83	12	date	date	NOUN
fsr-3807	83	13	inflates	inflate	VERB
fsr-3807	83	14	the	the	DET
fsr-3807	83	15	required	require	VERB
fsr-3807	83	16	period	period	NOUN
fsr-3807	83	17	saving	saving	NOUN
fsr-3807	83	18	/	/	SYM
fsr-3807	83	19	investment	investment	NOUN
fsr-3807	83	20	figure	figure	NOUN
fsr-3807	83	21	.	.	PUNCT
fsr-3807	84	1	second	second	ADJ
fsr-3807	84	2	,	,	PUNCT
fsr-3807	84	3	by	by	ADP
fsr-3807	84	4	assuming	assume	VERB
fsr-3807	84	5	that	that	SCONJ
fsr-3807	84	6	no	no	DET
fsr-3807	84	7	deposits	deposit	NOUN
fsr-3807	84	8	or	or	CCONJ
fsr-3807	84	9	investments	investment	NOUN
fsr-3807	84	10	will	will	AUX
fsr-3807	84	11	be	be	AUX
fsr-3807	84	12	made	make	VERB
fsr-3807	84	13	while	while	SCONJ
fsr-3807	84	14	the	the	DET
fsr-3807	84	15	child	child	NOUN
fsr-3807	84	16	is	be	AUX
fsr-3807	84	17	in	in	ADP
fsr-3807	84	18	school	school	NOUN
fsr-3807	84	19	,	,	PUNCT
fsr-3807	84	20	thirty	thirty	NUM
fsr-3807	84	21	-	-	PUNCT
fsr-3807	84	22	six	six	NUM
fsr-3807	84	23	monthly	monthly	ADJ
fsr-3807	84	24	savings	saving	NOUN
fsr-3807	84	25	opportunities	opportunity	NOUN
fsr-3807	84	26	are	be	AUX
fsr-3807	84	27	eliminated	eliminate	VERB
fsr-3807	84	28	,	,	PUNCT
fsr-3807	84	29	which	which	PRON
fsr-3807	84	30	further	far	ADV
fsr-3807	84	31	increases	increase	VERB
fsr-3807	84	32	the	the	DET
fsr-3807	84	33	required	require	VERB
fsr-3807	84	34	monthly	monthly	ADJ
fsr-3807	84	35	savings	saving	NOUN
fsr-3807	84	36	.	.	PUNCT
fsr-3807	85	1	finally	finally	ADV
fsr-3807	85	2	,	,	PUNCT
fsr-3807	85	3	financial	financial	ADJ
fsr-3807	85	4	theory	theory	NOUN
fsr-3807	85	5	suggests	suggest	VERB
fsr-3807	85	6	that	that	SCONJ
fsr-3807	85	7	rational	rational	ADJ
fsr-3807	85	8	investors	investor	NOUN
fsr-3807	85	9	will	will	AUX
fsr-3807	85	10	act	act	VERB
fsr-3807	85	11	to	to	PART
fsr-3807	85	12	ensure	ensure	VERB
fsr-3807	85	13	that	that	SCONJ
fsr-3807	85	14	unused	unused	ADJ
fsr-3807	85	15	funds	fund	NOUN
fsr-3807	85	16	will	will	AUX
fsr-3807	85	17	be	be	AUX
fsr-3807	85	18	invested	invest	VERB
fsr-3807	85	19	to	to	PART
fsr-3807	85	20	earn	earn	VERB
fsr-3807	85	21	the	the	DET
fsr-3807	85	22	going	go	VERB
fsr-3807	85	23	rate	rate	NOUN
fsr-3807	85	24	of	of	ADP
fsr-3807	85	25	return	return	NOUN
fsr-3807	85	26	on	on	ADP
fsr-3807	85	27	investments	investment	NOUN
fsr-3807	85	28	consistent	consistent	ADJ
fsr-3807	85	29	with	with	ADP
fsr-3807	85	30	the	the	DET
fsr-3807	85	31	risk	risk	NOUN
fsr-3807	85	32	tolerance	tolerance	NOUN
fsr-3807	85	33	of	of	ADP
fsr-3807	85	34	the	the	DET
fsr-3807	85	35	investor	investor	NOUN
fsr-3807	85	36	.	.	PUNCT
fsr-3807	86	1	the	the	DET
fsr-3807	86	2	assumption	assumption	NOUN
fsr-3807	86	3	that	that	SCONJ
fsr-3807	86	4	excess	excess	ADJ
fsr-3807	86	5	funds	fund	NOUN
fsr-3807	86	6	are	be	AUX
fsr-3807	86	7	held	hold	VERB
fsr-3807	86	8	idle	idle	ADJ
fsr-3807	86	9	is	be	AUX
fsr-3807	86	10	inconsistent	inconsistent	ADJ
fsr-3807	86	11	with	with	ADP
fsr-3807	86	12	investor	investor	NOUN
fsr-3807	86	13	rationality	rationality	NOUN
fsr-3807	86	14	and	and	CCONJ
fsr-3807	86	15	adds	add	VERB
fsr-3807	86	16	to	to	ADP
fsr-3807	86	17	the	the	DET
fsr-3807	86	18	magnitude	magnitude	NOUN
fsr-3807	86	19	of	of	ADP
fsr-3807	86	20	the	the	DET
fsr-3807	86	21	required	require	VERB
fsr-3807	86	22	savings	saving	NOUN
fsr-3807	86	23	figures	figure	NOUN
fsr-3807	86	24	.	.	PUNCT
fsr-3807	87	1	we	we	PRON
fsr-3807	87	2	suggest	suggest	VERB
fsr-3807	87	3	that	that	SCONJ
fsr-3807	87	4	a	a	DET
fsr-3807	87	5	more	more	ADV
fsr-3807	87	6	realistic	realistic	ADJ
fsr-3807	87	7	scenario	scenario	NOUN
fsr-3807	87	8	is	be	AUX
fsr-3807	87	9	as	as	SCONJ
fsr-3807	87	10	follows	follow	VERB
fsr-3807	87	11	.	.	PUNCT
fsr-3807	88	1	assume	assume	VERB
fsr-3807	88	2	that	that	SCONJ
fsr-3807	88	3	equal	equal	ADJ
fsr-3807	88	4	monthly	monthly	ADJ
fsr-3807	88	5	deposits	deposit	NOUN
fsr-3807	88	6	will	will	AUX
fsr-3807	88	7	be	be	AUX
fsr-3807	88	8	made	make	VERB
fsr-3807	88	9	beginning	begin	VERB
fsr-3807	88	10	in	in	ADP
fsr-3807	88	11	one	one	NUM
fsr-3807	88	12	month	month	NOUN
fsr-3807	88	13	and	and	CCONJ
fsr-3807	88	14	continuing	continue	VERB
fsr-3807	88	15	until	until	SCONJ
fsr-3807	88	16	the	the	DET
fsr-3807	88	17	child	child	NOUN
fsr-3807	88	18	's	's	PART
fsr-3807	88	19	last	last	ADJ
fsr-3807	88	20	tuition	tuition	NOUN
fsr-3807	88	21	payment	payment	NOUN
fsr-3807	88	22	is	be	AUX
fsr-3807	88	23	due	due	ADJ
fsr-3807	88	24	;	;	PUNCT
fsr-3807	88	25	that	that	PRON
fsr-3807	88	26	is	is	ADV
fsr-3807	88	27	,	,	PUNCT
fsr-3807	88	28	just	just	ADV
fsr-3807	88	29	before	before	SCONJ
fsr-3807	88	30	s	s	PROPN
fsr-3807	88	31	/	/	SYM
fsr-3807	88	32	he	he	PRON
fsr-3807	88	33	enters	enter	VERB
fsr-3807	88	34	the	the	DET
fsr-3807	88	35	fourth	fourth	ADJ
fsr-3807	88	36	year	year	NOUN
fsr-3807	88	37	of	of	ADP
fsr-3807	88	38	college	college	NOUN
fsr-3807	88	39	.	.	PUNCT
fsr-3807	89	1	in	in	ADP
fsr-3807	89	2	other	other	ADJ
fsr-3807	89	3	words	word	NOUN
fsr-3807	89	4	,	,	PUNCT
fsr-3807	89	5	savings	saving	NOUN
fsr-3807	89	6	/	/	SYM
fsr-3807	89	7	investment	investment	NOUN
fsr-3807	89	8	inflows	inflow	NOUN
fsr-3807	89	9	continue	continue	VERB
fsr-3807	89	10	during	during	ADP
fsr-3807	89	11	the	the	DET
fsr-3807	89	12	first	first	ADJ
fsr-3807	89	13	three	three	NUM
fsr-3807	89	14	years	year	NOUN
fsr-3807	89	15	of	of	ADP
fsr-3807	89	16	college	college	NOUN
fsr-3807	89	17	,	,	PUNCT
fsr-3807	89	18	while	while	SCONJ
fsr-3807	89	19	cash	cash	NOUN
fsr-3807	89	20	out	out	ADP
fsr-3807	89	21	flows	flow	NOUN
fsr-3807	89	22	occur	occur	VERB
fsr-3807	89	23	at	at	ADP
fsr-3807	89	24	the	the	DET
fsr-3807	89	25	time	time	NOUN
fsr-3807	89	26	of	of	ADP
fsr-3807	89	27	first	first	ADJ
fsr-3807	89	28	enrollment	enrollment	NOUN
fsr-3807	89	29	,	,	PUNCT
fsr-3807	89	30	then	then	ADV
fsr-3807	89	31	one	one	NUM
fsr-3807	89	32	,	,	PUNCT
fsr-3807	89	33	two	two	NUM
fsr-3807	89	34	,	,	PUNCT
fsr-3807	89	35	and	and	CCONJ
fsr-3807	89	36	three	three	NUM
fsr-3807	89	37	years	year	NOUN
fsr-3807	89	38	thereafter	thereafter	ADV
fsr-3807	89	39	.	.	PUNCT
fsr-3807	90	1	the	the	DET
fsr-3807	90	2	assumption	assumption	NOUN
fsr-3807	90	3	that	that	SCONJ
fsr-3807	90	4	parents	parent	NOUN
fsr-3807	90	5	continue	continue	VERB
fsr-3807	90	6	to	to	PART
fsr-3807	90	7	make	make	VERB
fsr-3807	90	8	deposits	deposit	NOUN
fsr-3807	90	9	while	while	SCONJ
fsr-3807	90	10	the	the	DET
fsr-3807	90	11	child	child	NOUN
fsr-3807	90	12	is	be	AUX
fsr-3807	90	13	in	in	ADP
fsr-3807	90	14	school	school	NOUN
fsr-3807	90	15	is	be	AUX
fsr-3807	90	16	debatable	debatable	ADJ
fsr-3807	90	17	,	,	PUNCT
fsr-3807	90	18	given	give	VERB
fsr-3807	90	19	that	that	SCONJ
fsr-3807	90	20	other	other	ADJ
fsr-3807	90	21	college	college	NOUN
fsr-3807	90	22	-	-	PUNCT
fsr-3807	90	23	related	relate	VERB
fsr-3807	90	24	expenses	expense	NOUN
fsr-3807	90	25	often	often	ADV
fsr-3807	90	26	arise	arise	VERB
fsr-3807	90	27	during	during	ADP
fsr-3807	90	28	this	this	DET
fsr-3807	90	29	period	period	NOUN
fsr-3807	90	30	.	.	PUNCT
fsr-3807	91	1	to	to	ADP
fsr-3807	91	2	the	the	DET
fsr-3807	91	3	extent	extent	NOUN
fsr-3807	91	4	,	,	PUNCT
fsr-3807	91	5	how	how	SCONJ
fsr-3807	91	6	ever	ever	ADV
fsr-3807	91	7	,	,	PUNCT
fsr-3807	91	8	that	that	SCONJ
fsr-3807	91	9	additional	additional	ADJ
fsr-3807	91	10	funding	funding	NOUN
fsr-3807	91	11	is	be	AUX
fsr-3807	91	12	necessary	necessary	ADJ
fsr-3807	91	13	,	,	PUNCT
fsr-3807	91	14	we	we	PRON
fsr-3807	91	15	suggest	suggest	VERB
fsr-3807	91	16	that	that	SCONJ
fsr-3807	91	17	one	one	NOUN
fsr-3807	91	18	is	be	AUX
fsr-3807	91	19	better	well	ADJ
fsr-3807	91	20	off	off	ADP
fsr-3807	91	21	attempting	attempt	VERB
fsr-3807	91	22	to	to	PART
fsr-3807	91	23	incorporate	incorporate	VERB
fsr-3807	91	24	this	this	PRON
fsr-3807	91	25	into	into	ADP
fsr-3807	91	26	the	the	DET
fsr-3807	91	27	planning	planning	NOUN
fsr-3807	91	28	process	process	NOUN
fsr-3807	91	29	(	(	PUNCT
fsr-3807	91	30	perhaps	perhaps	ADV
fsr-3807	91	31	by	by	ADP
fsr-3807	91	32	factoring	factor	VERB
fsr-3807	91	33	up	up	ADP
fsr-3807	91	34	the	the	DET
fsr-3807	91	35	"	"	PUNCT
fsr-3807	91	36	initial	initial	ADJ
fsr-3807	91	37	college	college	NOUN
fsr-3807	91	38	cost	cost	NOUN
fsr-3807	91	39	"	"	PUNCT
fsr-3807	91	40	figure	figure	NOUN
fsr-3807	91	41	)	)	PUNCT
fsr-3807	91	42	,	,	PUNCT
fsr-3807	91	43	and	and	CCONJ
fsr-3807	91	44	planning	plan	VERB
fsr-3807	91	45	for	for	ADP
fsr-3807	91	46	the	the	DET
fsr-3807	91	47	necessary	necessary	ADJ
fsr-3807	91	48	deposits	deposit	NOUN
fsr-3807	91	49	accordingly	accordingly	ADV
fsr-3807	91	50	.	.	PUNCT
fsr-3807	92	1	additionally	additionally	ADV
fsr-3807	92	2	,	,	PUNCT
fsr-3807	92	3	empirical	empirical	ADJ
fsr-3807	92	4	evi	evi	NOUN
fsr-3807	92	5	dence	dence	NOUN
fsr-3807	92	6	on	on	ADP
fsr-3807	92	7	family	family	NOUN
fsr-3807	92	8	spending	spending	NOUN
fsr-3807	92	9	and	and	CCONJ
fsr-3807	92	10	savings	saving	NOUN
fsr-3807	92	11	patterns	pattern	NOUN
fsr-3807	92	12	indicates	indicate	VERB
fsr-3807	92	13	that	that	SCONJ
fsr-3807	92	14	families	family	NOUN
fsr-3807	92	15	are	be	AUX
fsr-3807	92	16	increasingly	increasingly	ADV
fsr-3807	92	17	likely	likely	ADJ
fsr-3807	92	18	to	to	PART
fsr-3807	92	19	fund	fund	VERB
fsr-3807	92	20	college	college	NOUN
fsr-3807	92	21	in	in	ADP
fsr-3807	92	22	a	a	DET
fsr-3807	92	23	"	"	PUNCT
fsr-3807	92	24	pay	pay	VERB
fsr-3807	92	25	-	-	PUNCT
fsr-3807	92	26	as	as	ADP
fsr-3807	92	27	-	-	PUNCT
fsr-3807	92	28	you	you	PRON
fsr-3807	92	29	-	-	PUNCT
fsr-3807	92	30	go	go	VERB
fsr-3807	92	31	"	"	PUNCT
fsr-3807	92	32	manner	manner	NOUN
fsr-3807	92	33	(	(	PUNCT
fsr-3807	92	34	baum	baum	PROPN
fsr-3807	92	35	,	,	PUNCT
fsr-3807	92	36	1994	1994	NUM
fsr-3807	92	37	)	)	PUNCT
fsr-3807	92	38	.	.	PUNCT
fsr-3807	93	1	assume	assume	VERB
fsr-3807	93	2	also	also	ADV
fsr-3807	93	3	that	that	SCONJ
fsr-3807	93	4	any	any	DET
fsr-3807	93	5	funds	fund	NOUN
fsr-3807	93	6	not	not	PART
fsr-3807	93	7	used	use	VERB
fsr-3807	93	8	immediately	immediately	ADV
fsr-3807	93	9	will	will	AUX
fsr-3807	93	10	continue	continue	VERB
fsr-3807	93	11	to	to	PART
fsr-3807	93	12	earn	earn	VERB
fsr-3807	93	13	the	the	DET
fsr-3807	93	14	assumed	assumed	ADJ
fsr-3807	93	15	investment	investment	NOUN
fsr-3807	93	16	rate	rate	NOUN
fsr-3807	93	17	.	.	PUNCT
fsr-3807	94	1	under	under	ADP
fsr-3807	94	2	these	these	DET
fsr-3807	94	3	more	more	ADV
fsr-3807	94	4	realistic	realistic	ADJ
fsr-3807	94	5	assumptions	assumption	NOUN
fsr-3807	94	6	,	,	PUNCT
fsr-3807	94	7	(	(	PUNCT
fsr-3807	94	8	and	and	CCONJ
fsr-3807	94	9	retaining	retain	VERB
fsr-3807	94	10	the	the	DET
fsr-3807	94	11	6	6	NUM
fsr-3807	94	12	and	and	CCONJ
fsr-3807	94	13	8	8	NUM
fsr-3807	94	14	percent	percent	NOUN
fsr-3807	94	15	inflation	inflation	NOUN
fsr-3807	94	16	and	and	CCONJ
fsr-3807	94	17	investment	investment	NOUN
fsr-3807	94	18	rates	rate	NOUN
fsr-3807	94	19	,	,	PUNCT
fsr-3807	94	20	respectively	respectively	ADV
fsr-3807	94	21	,	,	PUNCT
fsr-3807	94	22	for	for	ADP
fsr-3807	94	23	comparison	comparison	NOUN
fsr-3807	94	24	purposes	purpose	NOUN
fsr-3807	94	25	)	)	PUNCT
fsr-3807	94	26	the	the	DET
fsr-3807	94	27	required	require	VERB
fsr-3807	94	28	monthly	monthly	ADJ
fsr-3807	94	29	savings	saving	NOUN
fsr-3807	94	30	figures	figure	NOUN
fsr-3807	94	31	fall	fall	VERB
fsr-3807	94	32	dramatically	dramatically	ADV
fsr-3807	94	33	.	.	PUNCT
fsr-3807	95	1	for	for	ADP
fsr-3807	95	2	example	example	NOUN
fsr-3807	95	3	,	,	PUNCT
fsr-3807	95	4	the	the	DET
fsr-3807	95	5	five	five	NUM
fsr-3807	95	6	-	-	PUNCT
fsr-3807	95	7	year	year	NOUN
fsr-3807	95	8	old	old	ADJ
fsr-3807	95	9	's	's	PART
fsr-3807	95	10	parents	parent	NOUN
fsr-3807	95	11	need	need	VERB
fsr-3807	95	12	only	only	ADV
fsr-3807	95	13	make	make	VERB
fsr-3807	95	14	monthly	monthly	ADJ
fsr-3807	95	15	deposits	deposit	NOUN
fsr-3807	95	16	of	of	ADP
fsr-3807	95	17	$	$	SYM
fsr-3807	95	18	190	190	NUM
fsr-3807	95	19	rather	rather	ADV
fsr-3807	95	20	than	than	ADP
fsr-3807	95	21	$	$	SYM
fsr-3807	95	22	239	239	NUM
fsr-3807	95	23	(	(	PUNCT
fsr-3807	95	24	a	a	DET
fsr-3807	95	25	reduction	reduction	NOUN
fsr-3807	95	26	of	of	ADP
fsr-3807	95	27	approximately	approximately	ADV
fsr-3807	95	28	one	one	NUM
fsr-3807	95	29	fifth	fifth	ADJ
fsr-3807	95	30	)	)	PUNCT
fsr-3807	95	31	,	,	PUNCT
fsr-3807	95	32	and	and	CCONJ
fsr-3807	95	33	the	the	DET
fsr-3807	95	34	parents	parent	NOUN
fsr-3807	95	35	of	of	ADP
fsr-3807	95	36	the	the	DET
fsr-3807	95	37	15	15	NUM
fsr-3807	95	38	-	-	PUNCT
fsr-3807	95	39	year	year	NOUN
fsr-3807	95	40	-	-	PUNCT
fsr-3807	95	41	old	old	ADJ
fsr-3807	95	42	need	need	NOUN
fsr-3807	95	43	only	only	ADV
fsr-3807	95	44	make	make	VERB
fsr-3807	95	45	monthly	monthly	ADJ
fsr-3807	95	46	payments	payment	NOUN
fsr-3807	95	47	of	of	ADP
fsr-3807	95	48	$	$	SYM
fsr-3807	95	49	445	445	NUM
fsr-3807	95	50	-	-	PUNCT
fsr-3807	95	51	-less	-less	NOUN
fsr-3807	95	52	than	than	ADP
fsr-3807	95	53	half	half	DET
fsr-3807	95	54	the	the	DET
fsr-3807	95	55	amount	amount	NOUN
fsr-3807	95	56	indicated	indicate	VERB
fsr-3807	95	57	in	in	ADP
fsr-3807	95	58	table	table	NOUN
fsr-3807	95	59	2	2	NUM
fsr-3807	95	60	.	.	PUNCT
fsr-3807	96	1	in	in	ADP
fsr-3807	96	2	other	other	ADJ
fsr-3807	96	3	words	word	NOUN
fsr-3807	96	4	,	,	PUNCT
fsr-3807	96	5	the	the	DET
fsr-3807	96	6	assumptions	assumption	NOUN
fsr-3807	96	7	made	make	VERB
fsr-3807	96	8	to	to	PART
fsr-3807	96	9	con	con	NOUN
fsr-3807	96	10	struct	struct	VERB
fsr-3807	96	11	the	the	DET
fsr-3807	96	12	table	table	NOUN
fsr-3807	96	13	cause	cause	VERB
fsr-3807	96	14	the	the	DET
fsr-3807	96	15	indicated	indicate	VERB
fsr-3807	96	16	saving	save	VERB
fsr-3807	96	17	values	value	NOUN
fsr-3807	96	18	to	to	PART
fsr-3807	96	19	be	be	AUX
fsr-3807	96	20	substantially	substantially	ADV
fsr-3807	96	21	overstated	overstate	VERB
fsr-3807	96	22	.	.	PUNCT
fsr-3807	97	1	v.	v.	ADP
fsr-3807	97	2	generalizing	generalize	VERB
fsr-3807	97	3	the	the	DET
fsr-3807	97	4	model	model	NOUN
fsr-3807	97	5	of	of	ADP
fsr-3807	97	6	course	course	NOUN
fsr-3807	97	7	,	,	PUNCT
fsr-3807	97	8	we	we	PRON
fsr-3807	97	9	are	be	AUX
fsr-3807	97	10	still	still	ADV
fsr-3807	97	11	operating	operate	VERB
fsr-3807	97	12	under	under	ADP
fsr-3807	97	13	the	the	DET
fsr-3807	97	14	twin	twin	ADJ
fsr-3807	97	15	assumptions	assumption	NOUN
fsr-3807	97	16	of	of	ADP
fsr-3807	97	17	8	8	NUM
fsr-3807	97	18	percent	percent	NOUN
fsr-3807	97	19	after	after	ADP
fsr-3807	97	20	-	-	PUNCT
fsr-3807	97	21	tax	tax	NOUN
fsr-3807	97	22	yields	yield	NOUN
fsr-3807	97	23	and	and	CCONJ
fsr-3807	97	24	a	a	DET
fsr-3807	97	25	6	6	NUM
fsr-3807	97	26	percent	percent	NOUN
fsr-3807	97	27	average	average	ADJ
fsr-3807	97	28	annual	annual	ADJ
fsr-3807	97	29	growth	growth	NOUN
fsr-3807	97	30	in	in	ADP
fsr-3807	97	31	college	college	NOUN
fsr-3807	97	32	expenses	expense	NOUN
fsr-3807	97	33	.	.	PUNCT
fsr-3807	98	1	clearly	clearly	ADV
fsr-3807	98	2	,	,	PUNCT
fsr-3807	98	3	these	these	DET
fsr-3807	98	4	assumptions	assumption	NOUN
fsr-3807	98	5	are	be	AUX
fsr-3807	98	6	unlikely	unlikely	ADJ
fsr-3807	98	7	to	to	PART
fsr-3807	98	8	be	be	AUX
fsr-3807	98	9	universally	universally	ADV
fsr-3807	98	10	appropriate	appropriate	ADJ
fsr-3807	98	11	for	for	ADP
fsr-3807	98	12	all	all	DET
fsr-3807	98	13	planners	planner	NOUN
fsr-3807	98	14	,	,	PUNCT
fsr-3807	98	15	all	all	DET
fsr-3807	98	16	portfolios	portfolio	NOUN
fsr-3807	98	17	,	,	PUNCT
fsr-3807	98	18	and	and	CCONJ
fsr-3807	98	19	all	all	DET
fsr-3807	98	20	educational	educational	ADJ
fsr-3807	98	21	institutions	institution	NOUN
fsr-3807	98	22	.	.	PUNCT
fsr-3807	99	1	as	as	SCONJ
fsr-3807	99	2	noted	note	VERB
fsr-3807	99	3	earlier	early	ADV
fsr-3807	99	4	,	,	PUNCT
fsr-3807	99	5	annual	annual	ADJ
fsr-3807	99	6	increases	increase	NOUN
fsr-3807	99	7	in	in	ADP
fsr-3807	99	8	the	the	DET
fsr-3807	99	9	higher	high	ADJ
fsr-3807	99	10	education	education	NOUN
fsr-3807	99	11	price	price	NOUN
fsr-3807	99	12	index	index	NOUN
fsr-3807	99	13	(	(	PUNCT
fsr-3807	99	14	hepi	hepi	PROPN
fsr-3807	99	15	)	)	PUNCT
fsr-3807	99	16	have	have	AUX
fsr-3807	99	17	varied	vary	VERB
fsr-3807	99	18	widely	widely	ADV
fsr-3807	99	19	over	over	ADP
fsr-3807	99	20	the	the	DET
fsr-3807	99	21	recent	recent	ADJ
fsr-3807	99	22	past	past	NOUN
fsr-3807	99	23	.	.	PUNCT
fsr-3807	100	1	the	the	DET
fsr-3807	100	2	returns	return	NOUN
fsr-3807	100	3	on	on	ADP
fsr-3807	100	4	financial	financial	ADJ
fsr-3807	100	5	assets	asset	NOUN
fsr-3807	100	6	have	have	AUX
fsr-3807	100	7	also	also	ADV
fsr-3807	100	8	been	be	AUX
fsr-3807	100	9	volatile	volatile	ADJ
fsr-3807	100	10	over	over	ADP
fsr-3807	100	11	the	the	DET
fsr-3807	100	12	last	last	ADJ
fsr-3807	100	13	two	two	NUM
fsr-3807	100	14	decades	decade	NOUN
fsr-3807	100	15	.	.	PUNCT
fsr-3807	101	1	since	since	SCONJ
fsr-3807	101	2	1975	1975	NUM
fsr-3807	101	3	the	the	DET
fsr-3807	101	4	annual	annual	ADJ
fsr-3807	101	5	returns	return	NOUN
fsr-3807	101	6	on	on	ADP
fsr-3807	101	7	long	long	ADJ
fsr-3807	101	8	-	-	PUNCT
fsr-3807	101	9	term	term	NOUN
fsr-3807	101	10	u.s	u.s	PROPN
fsr-3807	101	11	.	.	PROPN
fsr-3807	101	12	treasury	treasury	PROPN
fsr-3807	101	13	bonds	bond	NOUN
fsr-3807	101	14	have	have	AUX
fsr-3807	101	15	ranged	range	VERB
fsr-3807	101	16	from-7.8	from-7.8	NUM
fsr-3807	101	17	percent	percent	NOUN
fsr-3807	101	18	financial	financial	ADJ
fsr-3807	101	19	planning	planning	NOUN
fsr-3807	101	20	and	and	CCONJ
fsr-3807	101	21	college	college	NOUN
fsr-3807	101	22	savings	saving	NOUN
fsr-3807	101	23	47	47	NUM
fsr-3807	101	24	to	to	PART
fsr-3807	101	25	40.4	40.4	NUM
fsr-3807	101	26	percent	percent	NOUN
fsr-3807	101	27	.	.	PUNCT
fsr-3807	102	1	and	and	CCONJ
fsr-3807	102	2	annual	annual	ADJ
fsr-3807	102	3	returns	return	NOUN
fsr-3807	102	4	on	on	ADP
fsr-3807	102	5	common	common	ADJ
fsr-3807	102	6	stocks	stock	NOUN
fsr-3807	102	7	(	(	PUNCT
fsr-3807	102	8	as	as	SCONJ
fsr-3807	102	9	proxied	proxie	VERB
fsr-3807	102	10	by	by	ADP
fsr-3807	102	11	the	the	DET
fsr-3807	102	12	standard	standard	NOUN
fsr-3807	102	13	and	and	CCONJ
fsr-3807	102	14	poors	poor	NOUN
fsr-3807	102	15	500	500	NUM
fsr-3807	102	16	index	index	NOUN
fsr-3807	102	17	)	)	PUNCT
fsr-3807	102	18	have	have	AUX
fsr-3807	102	19	ranged	range	VERB
fsr-3807	102	20	from	from	ADP
fsr-3807	102	21	approximately	approximately	ADV
fsr-3807	102	22	-25	-25	ADP
fsr-3807	102	23	percent	percent	NOUN
fsr-3807	102	24	to	to	ADP
fsr-3807	102	25	45	45	NUM
fsr-3807	102	26	percent	percent	NOUN
fsr-3807	102	27	over	over	ADP
fsr-3807	102	28	the	the	DET
fsr-3807	102	29	same	same	ADJ
fsr-3807	102	30	period	period	NOUN
fsr-3807	102	31	.	.	PUNCT
fsr-3807	103	1	(	(	PUNCT
fsr-3807	103	2	ibbotson	ibbotson	PROPN
fsr-3807	103	3	&	&	CCONJ
fsr-3807	103	4	sinquefield	sinquefield	PROPN
fsr-3807	103	5	,	,	PUNCT
fsr-3807	103	6	1995	1995	NUM
fsr-3807	103	7	)	)	PUNCT
fsr-3807	103	8	if	if	SCONJ
fsr-3807	103	9	nothing	nothing	PRON
fsr-3807	103	10	else	else	ADV
fsr-3807	103	11	,	,	PUNCT
fsr-3807	103	12	the	the	DET
fsr-3807	103	13	historical	historical	ADJ
fsr-3807	103	14	variation	variation	NOUN
fsr-3807	103	15	in	in	ADP
fsr-3807	103	16	financial	financial	ADJ
fsr-3807	103	17	asset	asset	NOUN
fsr-3807	103	18	returns	return	NOUN
fsr-3807	103	19	underscores	underscore	VERB
fsr-3807	103	20	both	both	CCONJ
fsr-3807	103	21	the	the	DET
fsr-3807	103	22	need	need	NOUN
fsr-3807	103	23	for	for	ADP
fsr-3807	103	24	understanding	understand	VERB
fsr-3807	103	25	the	the	DET
fsr-3807	103	26	risk	risk	NOUN
fsr-3807	103	27	and	and	CCONJ
fsr-3807	103	28	return	return	VERB
fsr-3807	103	29	characteristics	characteristic	NOUN
fsr-3807	103	30	of	of	ADP
fsr-3807	103	31	different	different	ADJ
fsr-3807	103	32	asset	asset	NOUN
fsr-3807	103	33	classes	class	NOUN
fsr-3807	103	34	,	,	PUNCT
fsr-3807	103	35	as	as	ADV
fsr-3807	103	36	well	well	ADV
fsr-3807	103	37	the	the	DET
fsr-3807	103	38	need	need	NOUN
fsr-3807	103	39	to	to	PART
fsr-3807	103	40	construct	construct	VERB
fsr-3807	103	41	a	a	DET
fsr-3807	103	42	college	college	NOUN
fsr-3807	103	43	savings	saving	NOUN
fsr-3807	103	44	portfolio	portfolio	NOUN
fsr-3807	103	45	consistent	consistent	ADJ
fsr-3807	103	46	with	with	ADP
fsr-3807	103	47	one	one	NUM
fsr-3807	103	48	's	's	PART
fsr-3807	103	49	funding	funding	NOUN
fsr-3807	103	50	requirements	requirement	NOUN
fsr-3807	103	51	,	,	PUNCT
fsr-3807	103	52	risk	risk	NOUN
fsr-3807	103	53	tolerance	tolerance	NOUN
fsr-3807	103	54	,	,	PUNCT
fsr-3807	103	55	and	and	CCONJ
fsr-3807	103	56	overall	overall	ADJ
fsr-3807	103	57	financial	financial	ADJ
fsr-3807	103	58	situation	situation	NOUN
fsr-3807	103	59	.	.	PUNCT
fsr-3807	104	1	in	in	ADP
fsr-3807	104	2	sum	sum	NOUN
fsr-3807	104	3	,	,	PUNCT
fsr-3807	104	4	what	what	PRON
fsr-3807	104	5	is	be	AUX
fsr-3807	104	6	needed	need	VERB
fsr-3807	104	7	is	be	AUX
fsr-3807	104	8	a	a	DET
fsr-3807	104	9	computational	computational	ADJ
fsr-3807	104	10	method	method	NOUN
fsr-3807	104	11	which	which	PRON
fsr-3807	104	12	gives	give	VERB
fsr-3807	104	13	one	one	NUM
fsr-3807	104	14	the	the	DET
fsr-3807	104	15	ability	ability	NOUN
fsr-3807	104	16	to	to	PART
fsr-3807	104	17	take	take	VERB
fsr-3807	104	18	his	his	PRON
fsr-3807	104	19	/	/	SYM
fsr-3807	104	20	her	her	PRON
fsr-3807	104	21	own	own	ADJ
fsr-3807	104	22	estimates	estimate	NOUN
fsr-3807	104	23	of	of	ADP
fsr-3807	104	24	current	current	ADJ
fsr-3807	104	25	college	college	NOUN
fsr-3807	104	26	costs	cost	NOUN
fsr-3807	104	27	,	,	PUNCT
fsr-3807	104	28	the	the	DET
fsr-3807	104	29	growth	growth	NOUN
fsr-3807	104	30	rate	rate	NOUN
fsr-3807	104	31	in	in	ADP
fsr-3807	104	32	those	those	DET
fsr-3807	104	33	costs	cost	NOUN
fsr-3807	104	34	,	,	PUNCT
fsr-3807	104	35	and	and	CCONJ
fsr-3807	104	36	the	the	DET
fsr-3807	104	37	expected	expect	VERB
fsr-3807	104	38	rate	rate	NOUN
fsr-3807	104	39	of	of	ADP
fsr-3807	104	40	return	return	NOUN
fsr-3807	104	41	on	on	ADP
fsr-3807	104	42	invested	invest	VERB
fsr-3807	104	43	funds	fund	NOUN
fsr-3807	104	44	,	,	PUNCT
fsr-3807	104	45	and	and	CCONJ
fsr-3807	104	46	use	use	VERB
fsr-3807	104	47	these	these	DET
fsr-3807	104	48	parameters	parameter	NOUN
fsr-3807	104	49	to	to	PART
fsr-3807	104	50	obtain	obtain	VERB
fsr-3807	104	51	a	a	DET
fsr-3807	104	52	monthly	monthly	ADJ
fsr-3807	104	53	savings	saving	NOUN
fsr-3807	104	54	figure	figure	NOUN
fsr-3807	104	55	most	most	ADV
fsr-3807	104	56	appropriate	appropriate	ADJ
fsr-3807	104	57	to	to	ADP
fsr-3807	104	58	the	the	DET
fsr-3807	104	59	situation	situation	NOUN
fsr-3807	104	60	at	at	ADP
fsr-3807	104	61	hand	hand	NOUN
fsr-3807	104	62	.	.	PUNCT
fsr-3807	105	1	our	our	PRON
fsr-3807	105	2	approach	approach	NOUN
fsr-3807	105	3	follows	follow	VERB
fsr-3807	105	4	a	a	DET
fsr-3807	105	5	two	two	NUM
fsr-3807	105	6	-	-	PUNCT
fsr-3807	105	7	step	step	NOUN
fsr-3807	105	8	procedure	procedure	NOUN
fsr-3807	105	9	.	.	PUNCT
fsr-3807	106	1	first	first	ADV
fsr-3807	106	2	,	,	PUNCT
fsr-3807	106	3	we	we	PRON
fsr-3807	106	4	construct	construct	VERB
fsr-3807	106	5	a	a	DET
fsr-3807	106	6	table	table	NOUN
fsr-3807	106	7	of	of	ADP
fsr-3807	106	8	compound	compound	ADJ
fsr-3807	106	9	ing	ing	ADJ
fsr-3807	106	10	factors	factor	NOUN
fsr-3807	106	11	which	which	PRON
fsr-3807	106	12	allows	allow	VERB
fsr-3807	106	13	us	we	PRON
fsr-3807	106	14	to	to	PART
fsr-3807	106	15	obtain	obtain	VERB
fsr-3807	106	16	an	an	DET
fsr-3807	106	17	estimate	estimate	NOUN
fsr-3807	106	18	of	of	ADP
fsr-3807	106	19	future	future	ADJ
fsr-3807	106	20	college	college	NOUN
fsr-3807	106	21	costs	cost	NOUN
fsr-3807	106	22	given	give	VERB
fsr-3807	106	23	a	a	DET
fsr-3807	106	24	child	child	NOUN
fsr-3807	106	25	's	's	PART
fsr-3807	106	26	cur	cur	NOUN
fsr-3807	106	27	rent	rent	NOUN
fsr-3807	106	28	age	age	NOUN
fsr-3807	106	29	and	and	CCONJ
fsr-3807	106	30	the	the	DET
fsr-3807	106	31	expected	expect	VERB
fsr-3807	106	32	annual	annual	ADJ
fsr-3807	106	33	rate	rate	NOUN
fsr-3807	106	34	of	of	ADP
fsr-3807	106	35	increase	increase	NOUN
fsr-3807	106	36	in	in	ADP
fsr-3807	106	37	college	college	NOUN
fsr-3807	106	38	costs	cost	NOUN
fsr-3807	106	39	.	.	PUNCT
fsr-3807	107	1	we	we	PRON
fsr-3807	107	2	then	then	ADV
fsr-3807	107	3	generate	generate	VERB
fsr-3807	107	4	a	a	DET
fsr-3807	107	5	series	series	NOUN
fsr-3807	107	6	of	of	ADP
fsr-3807	107	7	tables	table	NOUN
fsr-3807	107	8	which	which	PRON
fsr-3807	107	9	indicate	indicate	VERB
fsr-3807	107	10	the	the	DET
fsr-3807	107	11	required	require	VERB
fsr-3807	107	12	monthly	monthly	ADJ
fsr-3807	107	13	savings	saving	NOUN
fsr-3807	107	14	figures	figure	NOUN
fsr-3807	107	15	under	under	ADP
fsr-3807	107	16	various	various	ADJ
fsr-3807	107	17	age	age	NOUN
fsr-3807	107	18	,	,	PUNCT
fsr-3807	107	19	inflation	inflation	NOUN
fsr-3807	107	20	,	,	PUNCT
fsr-3807	107	21	and	and	CCONJ
fsr-3807	107	22	investment	investment	NOUN
fsr-3807	107	23	return	return	NOUN
fsr-3807	107	24	scenarios	scenario	NOUN
fsr-3807	107	25	.	.	PUNCT
fsr-3807	108	1	the	the	DET
fsr-3807	108	2	values	value	NOUN
fsr-3807	108	3	in	in	ADP
fsr-3807	108	4	table	table	NOUN
fsr-3807	108	5	3	3	NUM
fsr-3807	108	6	are	be	AUX
fsr-3807	108	7	compounding	compound	VERB
fsr-3807	108	8	factors	factor	NOUN
fsr-3807	108	9	with	with	ADP
fsr-3807	108	10	which	which	PRON
fsr-3807	108	11	one	one	PRON
fsr-3807	108	12	can	can	AUX
fsr-3807	108	13	easily	easily	ADV
fsr-3807	108	14	determine	determine	VERB
fsr-3807	108	15	the	the	DET
fsr-3807	108	16	total	total	ADJ
fsr-3807	108	17	nominal	nominal	ADJ
fsr-3807	108	18	cost	cost	NOUN
fsr-3807	108	19	of	of	ADP
fsr-3807	108	20	four	four	NUM
fsr-3807	108	21	years	year	NOUN
fsr-3807	108	22	of	of	ADP
fsr-3807	108	23	college	college	NOUN
fsr-3807	108	24	for	for	ADP
fsr-3807	108	25	children	child	NOUN
fsr-3807	108	26	currently	currently	ADV
fsr-3807	108	27	aged	age	VERB
fsr-3807	108	28	0	0	NUM
fsr-3807	108	29	to	to	PART
fsr-3807	108	30	18	18	NUM
fsr-3807	108	31	years	year	NOUN
fsr-3807	108	32	,	,	PUNCT
fsr-3807	108	33	assuming	assume	VERB
fsr-3807	108	34	annual	annual	ADJ
fsr-3807	108	35	cost	cost	NOUN
fsr-3807	108	36	increases	increase	NOUN
fsr-3807	108	37	ranging	range	VERB
fsr-3807	108	38	from	from	ADP
fsr-3807	108	39	0	0	NUM
fsr-3807	108	40	to	to	PART
fsr-3807	108	41	10	10	NUM
fsr-3807	108	42	percent	percent	NOUN
fsr-3807	108	43	.	.	PUNCT
fsr-3807	109	1	to	to	PART
fsr-3807	109	2	use	use	VERB
fsr-3807	109	3	the	the	DET
fsr-3807	109	4	table	table	NOUN
fsr-3807	109	5	,	,	PUNCT
fsr-3807	109	6	simply	simply	ADV
fsr-3807	109	7	multiply	multiply	VERB
fsr-3807	109	8	the	the	DET
fsr-3807	109	9	current	current	ADJ
fsr-3807	109	10	annual	annual	ADJ
fsr-3807	109	11	cost	cost	NOUN
fsr-3807	109	12	at	at	ADP
fsr-3807	109	13	the	the	DET
fsr-3807	109	14	target	target	NOUN
fsr-3807	109	15	institution	institution	NOUN
fsr-3807	109	16	by	by	ADP
fsr-3807	109	17	the	the	DET
fsr-3807	109	18	factor	factor	NOUN
fsr-3807	109	19	corresponding	correspond	VERB
fsr-3807	109	20	to	to	ADP
fsr-3807	109	21	the	the	DET
fsr-3807	109	22	child	child	NOUN
fsr-3807	109	23	's	's	PART
fsr-3807	109	24	current	current	ADJ
fsr-3807	109	25	age	age	NOUN
fsr-3807	109	26	and	and	CCONJ
fsr-3807	109	27	estimated	estimate	VERB
fsr-3807	109	28	inflation	inflation	NOUN
fsr-3807	109	29	rate	rate	NOUN
fsr-3807	109	30	.	.	PUNCT
fsr-3807	110	1	for	for	ADP
fsr-3807	110	2	example	example	NOUN
fsr-3807	110	3	,	,	PUNCT
fsr-3807	110	4	assume	assume	VERB
fsr-3807	110	5	that	that	SCONJ
fsr-3807	110	6	mr	mr	PROPN
fsr-3807	110	7	.	.	PROPN
fsr-3807	110	8	and	and	CCONJ
fsr-3807	110	9	mrs	mrs	PROPN
fsr-3807	110	10	.	.	PROPN
fsr-3807	110	11	jones	jones	PROPN
fsr-3807	110	12	,	,	PUNCT
fsr-3807	110	13	the	the	DET
fsr-3807	110	14	parents	parent	NOUN
fsr-3807	110	15	of	of	ADP
fsr-3807	110	16	a	a	DET
fsr-3807	110	17	5	5	NUM
fsr-3807	110	18	-	-	PUNCT
fsr-3807	110	19	year	year	NOUN
fsr-3807	110	20	-	-	PUNCT
fsr-3807	110	21	old	old	ADJ
fsr-3807	110	22	and	and	CCONJ
fsr-3807	110	23	a	a	DET
fsr-3807	110	24	15	15	NUM
fsr-3807	110	25	-	-	PUNCT
fsr-3807	110	26	year	year	NOUN
fsr-3807	110	27	-	-	PUNCT
fsr-3807	110	28	old	old	ADJ
fsr-3807	110	29	,	,	PUNCT
fsr-3807	110	30	know	know	VERB
fsr-3807	110	31	that	that	DET
fsr-3807	110	32	anystate	anystate	VERB
fsr-3807	110	33	u.	u.	PROPN
fsr-3807	110	34	currently	currently	ADV
fsr-3807	110	35	costs	cost	VERB
fsr-3807	110	36	$	$	SYM
fsr-3807	110	37	6,991	6,991	NUM
fsr-3807	110	38	annually	annually	ADV
fsr-3807	110	39	.	.	PUNCT
fsr-3807	111	1	further	far	ADV
fsr-3807	111	2	,	,	PUNCT
fsr-3807	111	3	they	they	PRON
fsr-3807	111	4	believe	believe	VERB
fsr-3807	111	5	that	that	SCONJ
fsr-3807	111	6	costs	cost	NOUN
fsr-3807	111	7	at	at	ADP
fsr-3807	111	8	this	this	DET
fsr-3807	111	9	institu	institu	ADJ
fsr-3807	111	10	tion	tion	NOUN
fsr-3807	111	11	will	will	AUX
fsr-3807	111	12	increase	increase	VERB
fsr-3807	111	13	at	at	ADP
fsr-3807	111	14	a	a	DET
fsr-3807	111	15	6	6	NUM
fsr-3807	111	16	percent	percent	NOUN
fsr-3807	111	17	annual	annual	ADJ
fsr-3807	111	18	rate	rate	NOUN
fsr-3807	111	19	for	for	ADP
fsr-3807	111	20	the	the	DET
fsr-3807	111	21	foreseeable	foreseeable	ADJ
fsr-3807	111	22	future	future	NOUN
fsr-3807	111	23	.	.	PUNCT
fsr-3807	112	1	consistent	consistent	ADJ
fsr-3807	112	2	with	with	ADP
fsr-3807	112	3	the	the	DET
fsr-3807	112	4	previous	previous	ADJ
fsr-3807	112	5	example	example	NOUN
fsr-3807	112	6	,	,	PUNCT
fsr-3807	112	7	the	the	DET
fsr-3807	112	8	table	table	NOUN
fsr-3807	112	9	indicates	indicate	VERB
fsr-3807	112	10	that	that	SCONJ
fsr-3807	112	11	,	,	PUNCT
fsr-3807	112	12	at	at	ADP
fsr-3807	112	13	the	the	DET
fsr-3807	112	14	time	time	NOUN
fsr-3807	112	15	of	of	ADP
fsr-3807	112	16	enrollment	enrollment	NOUN
fsr-3807	112	17	,	,	PUNCT
fsr-3807	112	18	the	the	DET
fsr-3807	112	19	cost	cost	NOUN
fsr-3807	112	20	of	of	ADP
fsr-3807	112	21	four	four	NUM
fsr-3807	112	22	years	year	NOUN
fsr-3807	112	23	of	of	ADP
fsr-3807	112	24	school	school	NOUN
fsr-3807	112	25	for	for	ADP
fsr-3807	112	26	the	the	DET
fsr-3807	112	27	15	15	NUM
fsr-3807	112	28	-	-	PUNCT
fsr-3807	112	29	year	year	NOUN
fsr-3807	112	30	-	-	PUNCT
fsr-3807	112	31	old	old	ADJ
fsr-3807	112	32	will	will	AUX
fsr-3807	112	33	total	total	VERB
fsr-3807	112	34	$	$	SYM
fsr-3807	112	35	36,425	36,425	NUM
fsr-3807	112	36	(=	(=	NOUN
fsr-3807	112	37	$	$	SYM
fsr-3807	112	38	6,991	6,991	NUM
fsr-3807	112	39	x	x	SYM
fsr-3807	112	40	5.2102	5.2102	NUM
fsr-3807	112	41	)	)	PUNCT
fsr-3807	112	42	.	.	PUNCT
fsr-3807	113	1	similarly	similarly	ADV
fsr-3807	113	2	,	,	PUNCT
fsr-3807	113	3	the	the	DET
fsr-3807	113	4	cost	cost	NOUN
fsr-3807	113	5	of	of	ADP
fsr-3807	113	6	the	the	DET
fsr-3807	113	7	younger	young	ADJ
fsr-3807	113	8	child	child	NOUN
fsr-3807	113	9	's	's	PART
fsr-3807	113	10	education	education	NOUN
fsr-3807	113	11	will	will	AUX
fsr-3807	113	12	total	total	VERB
fsr-3807	113	13	$	$	SYM
fsr-3807	113	14	65,231	65,231	NUM
fsr-3807	113	15	(	(	PUNCT
fsr-3807	113	16	$	$	SYM
fsr-3807	113	17	6,991	6,991	NUM
fsr-3807	113	18	x	x	SYM
fsr-3807	113	19	9.3307	9.3307	NUM
fsr-3807	113	20	)	)	PUNCT
fsr-3807	113	21	.	.	PUNCT
fsr-3807	114	1	the	the	DET
fsr-3807	114	2	factors	factor	NOUN
fsr-3807	114	3	in	in	ADP
fsr-3807	114	4	table	table	NOUN
fsr-3807	114	5	3	3	NUM
fsr-3807	114	6	are	be	AUX
fsr-3807	114	7	obtained	obtain	VERB
fsr-3807	114	8	by	by	ADP
fsr-3807	114	9	summing	sum	VERB
fsr-3807	114	10	future	future	ADJ
fsr-3807	114	11	value	value	NOUN
fsr-3807	114	12	interest	interest	NOUN
fsr-3807	114	13	factors	factor	NOUN
fsr-3807	114	14	appropri	appropri	NOUN
fsr-3807	114	15	ate	eat	VERB
fsr-3807	114	16	for	for	ADP
fsr-3807	114	17	each	each	DET
fsr-3807	114	18	tuition	tuition	NOUN
fsr-3807	114	19	date	date	NOUN
fsr-3807	114	20	.	.	PUNCT
fsr-3807	115	1	that	that	PRON
fsr-3807	115	2	is	is	ADV
fsr-3807	115	3	,	,	PUNCT
fsr-3807	115	4	each	each	DET
fsr-3807	115	5	table	table	NOUN
fsr-3807	115	6	factor	factor	NOUN
fsr-3807	115	7	equals	equal	VERB
fsr-3807	115	8	"	"	PUNCT
fsr-3807	115	9	~	~	PUNCT
fsr-3807	115	10	+	+	CCONJ
fsr-3807	115	11	3	3	NUM
fsr-3807	115	12	fvlf~	fvlf~	PROPN
fsr-3807	115	13	,	,	PUNCT
fsr-3807	115	14	r	r	NOUN
fsr-3807	115	15	"	"	PUNCT
fsr-3807	115	16	c	c	NOUN
fsr-3807	115	17	where	where	SCONJ
fsr-3807	115	18	tau	tau	PROPN
fsr-3807	115	19	=	=	NOUN
fsr-3807	115	20	18	18	NUM
fsr-3807	115	21	minus	minus	ADP
fsr-3807	115	22	the	the	DET
fsr-3807	115	23	child	child	NOUN
fsr-3807	115	24	's	's	PART
fsr-3807	115	25	current	current	ADJ
fsr-3807	115	26	age	age	NOUN
fsr-3807	115	27	.	.	PUNCT
fsr-3807	116	1	as	as	SCONJ
fsr-3807	116	2	expected	expect	VERB
fsr-3807	116	3	,	,	PUNCT
fsr-3807	116	4	the	the	DET
fsr-3807	116	5	computed	computed	ADJ
fsr-3807	116	6	values	value	NOUN
fsr-3807	116	7	mirror	mirror	VERB
fsr-3807	116	8	those	those	PRON
fsr-3807	116	9	found	find	VERB
fsr-3807	116	10	in	in	ADP
fsr-3807	116	11	table	table	NOUN
fsr-3807	116	12	2	2	NUM
fsr-3807	116	13	.	.	PUNCT
fsr-3807	117	1	however	however	ADV
fsr-3807	117	2	,	,	PUNCT
fsr-3807	117	3	the	the	DET
fsr-3807	117	4	real	real	ADJ
fsr-3807	117	5	utility	utility	NOUN
fsr-3807	117	6	of	of	ADP
fsr-3807	117	7	this	this	DET
fsr-3807	117	8	table	table	NOUN
fsr-3807	117	9	is	be	AUX
fsr-3807	117	10	that	that	SCONJ
fsr-3807	117	11	one	one	PRON
fsr-3807	117	12	can	can	AUX
fsr-3807	117	13	determine	determine	VERB
fsr-3807	117	14	immediately	immediately	ADV
fsr-3807	117	15	,	,	PUNCT
fsr-3807	117	16	and	and	CCONJ
fsr-3807	117	17	with	with	ADP
fsr-3807	117	18	a	a	DET
fsr-3807	117	19	minimum	minimum	NOUN
fsr-3807	117	20	of	of	ADP
fsr-3807	117	21	compu	compu	PROPN
fsr-3807	117	22	tation	tation	PROPN
fsr-3807	117	23	,	,	PUNCT
fsr-3807	117	24	analogous	analogous	ADJ
fsr-3807	117	25	values	value	NOUN
fsr-3807	117	26	for	for	ADP
fsr-3807	117	27	several	several	ADJ
fsr-3807	117	28	realistic	realistic	ADJ
fsr-3807	117	29	combinations	combination	NOUN
fsr-3807	117	30	of	of	ADP
fsr-3807	117	31	current	current	ADJ
fsr-3807	117	32	cost	cost	NOUN
fsr-3807	117	33	,	,	PUNCT
fsr-3807	117	34	tuition	tuition	NOUN
fsr-3807	117	35	inflation	inflation	NOUN
fsr-3807	117	36	rate	rate	NOUN
fsr-3807	117	37	,	,	PUNCT
fsr-3807	117	38	and	and	CCONJ
fsr-3807	117	39	student	student	NOUN
fsr-3807	117	40	age	age	NOUN
fsr-3807	117	41	.	.	PUNCT
fsr-3807	118	1	in	in	ADP
fsr-3807	118	2	the	the	DET
fsr-3807	118	3	second	second	ADJ
fsr-3807	118	4	step	step	NOUN
fsr-3807	118	5	we	we	PRON
fsr-3807	118	6	provide	provide	VERB
fsr-3807	118	7	the	the	DET
fsr-3807	118	8	means	mean	NOUN
fsr-3807	118	9	by	by	ADP
fsr-3807	118	10	which	which	PRON
fsr-3807	118	11	one	one	PRON
fsr-3807	118	12	can	can	AUX
fsr-3807	118	13	determine	determine	VERB
fsr-3807	118	14	the	the	DET
fsr-3807	118	15	monthly	monthly	ADJ
fsr-3807	118	16	sav	sav	PROPN
fsr-3807	118	17	ings	ing	NOUN
fsr-3807	118	18	requirement	requirement	NOUN
fsr-3807	118	19	,	,	PUNCT
fsr-3807	118	20	given	give	VERB
fsr-3807	118	21	more	more	ADV
fsr-3807	118	22	realistic	realistic	ADJ
fsr-3807	118	23	assumptions	assumption	NOUN
fsr-3807	118	24	about	about	ADP
fsr-3807	118	25	savings	saving	NOUN
fsr-3807	118	26	behavior	behavior	NOUN
fsr-3807	118	27	,	,	PUNCT
fsr-3807	118	28	and	and	CCONJ
fsr-3807	118	29	a	a	DET
fsr-3807	118	30	wide	wide	ADJ
fsr-3807	118	31	range	range	NOUN
fsr-3807	118	32	of	of	ADP
fsr-3807	118	33	possible	possible	ADJ
fsr-3807	118	34	investment	investment	NOUN
fsr-3807	118	35	yields	yield	NOUN
fsr-3807	118	36	and	and	CCONJ
fsr-3807	118	37	growth	growth	NOUN
fsr-3807	118	38	rates	rate	NOUN
fsr-3807	118	39	of	of	ADP
fsr-3807	118	40	college	college	NOUN
fsr-3807	118	41	costs	cost	NOUN
fsr-3807	118	42	.	.	PUNCT
fsr-3807	119	1	consider	consider	VERB
fsr-3807	119	2	the	the	DET
fsr-3807	119	3	planner	planner	NOUN
fsr-3807	119	4	attempting	attempt	VERB
fsr-3807	119	5	to	to	PART
fsr-3807	119	6	construct	construct	VERB
fsr-3807	119	7	portfolios	portfolio	NOUN
fsr-3807	119	8	for	for	ADP
fsr-3807	119	9	clients	client	NOUN
fsr-3807	119	10	with	with	ADP
fsr-3807	119	11	varying	vary	VERB
fsr-3807	119	12	levels	level	NOUN
fsr-3807	119	13	of	of	ADP
fsr-3807	119	14	risk	risk	NOUN
fsr-3807	119	15	tolerance	tolerance	NOUN
fsr-3807	119	16	.	.	PUNCT
fsr-3807	120	1	those	those	PRON
fsr-3807	120	2	with	with	ADP
fsr-3807	120	3	little	little	ADJ
fsr-3807	120	4	tolerance	tolerance	NOUN
fsr-3807	120	5	may	may	AUX
fsr-3807	120	6	feel	feel	VERB
fsr-3807	120	7	more	more	ADV
fsr-3807	120	8	comfortable	comfortable	ADJ
fsr-3807	120	9	investing	investing	NOUN
fsr-3807	120	10	in	in	ADP
fsr-3807	120	11	inter	inter	ADJ
fsr-3807	120	12	mediate	mediate	ADJ
fsr-3807	120	13	or	or	CCONJ
fsr-3807	120	14	long	long	ADJ
fsr-3807	120	15	-	-	PUNCT
fsr-3807	120	16	term	term	NOUN
fsr-3807	120	17	certificates	certificate	NOUN
fsr-3807	120	18	of	of	ADP
fsr-3807	120	19	deposit	deposit	NOUN
fsr-3807	120	20	.	.	PUNCT
fsr-3807	121	1	those	those	PRON
fsr-3807	121	2	with	with	ADP
fsr-3807	121	3	somewhat	somewhat	ADV
fsr-3807	121	4	greater	great	ADJ
fsr-3807	121	5	willingness	willingness	NOUN
fsr-3807	121	6	and	and	CCONJ
fsr-3807	121	7	ability	ability	NOUN
fsr-3807	121	8	to	to	PART
fsr-3807	121	9	tolerate	tolerate	VERB
fsr-3807	121	10	risk	risk	NOUN
fsr-3807	121	11	may	may	AUX
fsr-3807	121	12	prefer	prefer	VERB
fsr-3807	121	13	portfolios	portfolio	NOUN
fsr-3807	121	14	which	which	PRON
fsr-3807	121	15	are	be	AUX
fsr-3807	121	16	weighted	weight	VERB
fsr-3807	121	17	heavily	heavily	ADV
fsr-3807	121	18	to	to	ADP
fsr-3807	121	19	medium	medium	ADJ
fsr-3807	121	20	-	-	PUNCT
fsr-3807	121	21	grade	grade	NOUN
fsr-3807	121	22	corporate	corporate	ADJ
fsr-3807	121	23	bonds	bond	NOUN
fsr-3807	121	24	and/or	and/or	CCONJ
fsr-3807	121	25	common	common	ADJ
fsr-3807	121	26	stocks	stock	NOUN
fsr-3807	121	27	.	.	PUNCT
fsr-3807	122	1	the	the	DET
fsr-3807	122	2	values	value	NOUN
fsr-3807	122	3	in	in	ADP
fsr-3807	122	4	tables	table	NOUN
fsr-3807	122	5	4	4	NUM
fsr-3807	122	6	through	through	ADP
fsr-3807	122	7	6	6	NUM
fsr-3807	122	8	below	below	ADV
fsr-3807	122	9	are	be	AUX
fsr-3807	122	10	pay	pay	VERB
fsr-3807	122	11	ment	ment	ADJ
fsr-3807	122	12	factors	factor	NOUN
fsr-3807	122	13	associated	associate	VERB
fsr-3807	122	14	with	with	ADP
fsr-3807	122	15	expected	expect	VERB
fsr-3807	122	16	investment	investment	NOUN
fsr-3807	122	17	yields	yield	NOUN
fsr-3807	122	18	of	of	ADP
fsr-3807	122	19	four	four	NUM
fsr-3807	122	20	,	,	PUNCT
fsr-3807	122	21	eight	eight	NUM
fsr-3807	122	22	,	,	PUNCT
fsr-3807	122	23	and	and	CCONJ
fsr-3807	122	24	twelve	twelve	NUM
fsr-3807	122	25	percent	percent	NOUN
fsr-3807	122	26	,	,	PUNCT
fsr-3807	122	27	48	48	NUM
fsr-3807	122	28	financial	financial	ADJ
fsr-3807	122	29	servicf.~	servicf.~	PROPN
fsr-3807	122	30	review	review	NOUN
fsr-3807	122	31	6(1	6(1	NUM
fsr-3807	122	32	)	)	PUNCT
fsr-3807	122	33	1996	1996	NUM
fsr-3807	123	1	o	o	X
fsr-3807	123	2	l~	l~	NUM
fsr-3807	123	3	i	i	PRON
fsr-3807	123	4	ii!ii	ii!ii	PROPN
fsr-3807	123	5	financial	financial	ADJ
fsr-3807	123	6	plam6ng	plam6ng	PROPN
fsr-3807	123	7	and	and	CCONJ
fsr-3807	123	8	college	college	NOUN
fsr-3807	123	9	~	~	PUNCT
fsr-3807	123	10	49	49	NUM
fsr-3807	123	11	table	table	NOUN
fsr-3807	123	12	4	4	NUM
fsr-3807	123	13	payment	payment	NOUN
fsr-3807	123	14	factors	factor	NOUN
fsr-3807	123	15	for	for	ADP
fsr-3807	123	16	various	various	ADJ
fsr-3807	123	17	yield	yield	NOUN
fsr-3807	123	18	and	and	CCONJ
fsr-3807	123	19	growth	growth	NOUN
fsr-3807	123	20	rate	rate	NOUN
fsr-3807	123	21	scenarios	scenario	NOUN
fsr-3807	123	22	assumed	assume	VERB
fsr-3807	123	23	investment	investment	NOUN
fsr-3807	123	24	yield	yield	NOUN
fsr-3807	123	25	=	=	SYM
fsr-3807	123	26	4	4	NUM
fsr-3807	123	27	%	%	NOUN
fsr-3807	123	28	tuition	tuition	NOUN
fsr-3807	123	29	growth	growth	NOUN
fsr-3807	123	30	rates	rate	NOUN
fsr-3807	123	31	year5	year5	NOUN
fsr-3807	123	32	age	age	NOUN
fsr-3807	123	33	until	until	ADP
fsr-3807	123	34	entry	entry	NOUN
fsr-3807	123	35	2	2	NUM
fsr-3807	123	36	%	%	NOUN
fsr-3807	123	37	4	4	NUM
fsr-3807	123	38	%	%	NOUN
fsr-3807	123	39	6	6	NUM
fsr-3807	123	40	%	%	NOUN
fsr-3807	123	41	8	8	NUM
fsr-3807	123	42	%	%	NOUN
fsr-3807	123	43	10	10	NUM
fsr-3807	123	44	%	%	NOUN
fsr-3807	123	45	18	18	NUM
fsr-3807	123	46	0	0	NUM
fsr-3807	123	47	0.114612	0.114612	NUM
fsr-3807	123	48	0.11797	0.11797	NUM
fsr-3807	123	49	0.121415	0.121415	NUM
fsr-3807	123	50	0.124978	0.124978	NUM
fsr-3807	123	51	0.128571	0.128571	NUM
fsr-3807	123	52	17	17	NUM
fsr-3807	123	53	1	1	NUM
fsr-3807	123	54	0.085905	0.085905	NUM
fsr-3807	124	1	0.090155	0.090155	NUM
fsr-3807	124	2	0.094572	0.094572	NUM
fsr-3807	124	3	0.099161	0.099161	NUM
fsr-3807	124	4	0.103926	0.103926	NUM
fsr-3807	124	5	16	16	NUM
fsr-3807	124	6	2	2	NUM
fsr-3807	124	7	0.068672	0.068672	NUM
fsr-3807	124	8	0.073483	0.073483	NUM
fsr-3807	124	9	0.078565	0.078565	NUM
fsr-3807	124	10	0.083931	0.083931	NUM
fsr-3807	124	11	0.089593	0.089593	NUM
fsr-3807	124	12	15	15	NUM
fsr-3807	124	13	3	3	NUM
fsr-3807	124	14	0.057175	0.057175	NUM
fsr-3807	124	15	0.06238	0.06238	NUM
fsr-3807	124	16	0.067978	0.067978	NUM
fsr-3807	124	17	0.073991	0.073991	NUM
fsr-3807	124	18	0.080445	0.080445	NUM
fsr-3807	124	19	14	14	NUM
fsr-3807	124	20	4	4	NUM
fsr-3807	124	21	0.048957	0.048957	NUM
fsr-3807	124	22	0	0	NUM
fsr-3807	124	23	.	.	PUNCT
fsr-3807	124	24	0	0	NUM
fsr-3807	124	25	5	5	NUM
fsr-3807	124	26	4	4	NUM
fsr-3807	124	27	4	4	NUM
fsr-3807	124	28	6	6	NUM
fsr-3807	124	29	1	1	NUM
fsr-3807	124	30	0.060489	0.060489	NUM
fsr-3807	124	31	0.067082	0.067082	NUM
fsr-3807	124	32	0.074284	0.074284	NUM
fsr-3807	124	33	13	13	NUM
fsr-3807	124	34	5	5	NUM
fsr-3807	124	35	0.042788	0.042788	NUM
fsr-3807	124	36	0.048532	0.048532	NUM
fsr-3807	124	37	0.05494	0.05494	NUM
fsr-3807	124	38	0.062078	0.062078	NUM
fsr-3807	124	39	0.070015	0.070015	NUM
fsr-3807	124	40	12	12	NUM
fsr-3807	124	41	6	6	NUM
fsr-3807	124	42	0.037985	0.037985	NUM
fsr-3807	124	43	0.043928	0.043928	NUM
fsr-3807	124	44	0.050685	0.050685	NUM
fsr-3807	124	45	0.058351	0.058351	NUM
fsr-3807	124	46	0.067031	0.067031	NUM
fsr-3807	124	47	11	11	NUM
fsr-3807	124	48	7	7	NUM
fsr-3807	124	49	0.034137	0.034137	NUM
fsr-3807	124	50	0.040253	0.040253	NUM
fsr-3807	124	51	0.047338	0.047338	NUM
fsr-3807	124	52	0.055526	0.055526	NUM
fsr-3807	124	53	0.064966	0.064966	NUM
fsr-3807	124	54	10	10	NUM
fsr-3807	124	55	8	8	NUM
fsr-3807	124	56	0.030986	0.030986	NUM
fsr-3807	124	57	0.037254	0.037254	NUM
fsr-3807	124	58	0.044653	0.044653	NUM
fsr-3807	124	59	0.053364	0.053364	NUM
fsr-3807	124	60	0.063594	0.063594	NUM
fsr-3807	124	61	9	9	NUM
fsr-3807	124	62	9	9	NUM
fsr-3807	124	63	0.028356	0.028356	NUM
fsr-3807	124	64	0.03476	0.03476	NUM
fsr-3807	124	65	0.042465	0.042465	NUM
fsr-3807	124	66	0.051707	0.051707	NUM
fsr-3807	124	67	0.06276	0.06276	NUM
fsr-3807	124	68	8	8	NUM
fsr-3807	124	69	10	10	NUM
fsr-3807	124	70	0.026127	0.026127	NUM
fsr-3807	124	71	0.032656	0.032656	NUM
fsr-3807	124	72	0.040662	0.040662	NUM
fsr-3807	124	73	0.050446	0.050446	NUM
fsr-3807	124	74	0.062363	0.062363	NUM
fsr-3807	124	75	7	7	NUM
fsr-3807	124	76	11	11	NUM
fsr-3807	124	77	0.024214	0.024214	NUM
fsr-3807	124	78	0.030858	0.030858	NUM
fsr-3807	124	79	0.039162	0.039162	NUM
fsr-3807	124	80	0.049501	0.049501	NUM
fsr-3807	124	81	0.062329	0.062329	NUM
fsr-3807	124	82	6	6	NUM
fsr-3807	124	83	12	12	NUM
fsr-3807	124	84	0.022552	0.022552	NUM
fsr-3807	124	85	0.029304	0.029304	NUM
fsr-3807	124	86	0.037905	0.037905	NUM
fsr-3807	124	87	0.048817	0.048817	NUM
fsr-3807	124	88	0.062606	0.062606	NUM
fsr-3807	124	89	5	5	NUM
fsr-3807	124	90	13	13	NUM
fsr-3807	124	91	0.021096	0.021096	NUM
fsr-3807	124	92	0.027949	0.027949	NUM
fsr-3807	124	93	0.036848	0.036848	NUM
fsr-3807	124	94	0.048351	0.048351	NUM
fsr-3807	124	95	0.063156	0.063156	NUM
fsr-3807	124	96	4	4	NUM
fsr-3807	124	97	14	14	NUM
fsr-3807	124	98	0.019809	0.019809	NUM
fsr-3807	124	99	0.026758	0.026758	NUM
fsr-3807	124	100	0.035956	0.035956	NUM
fsr-3807	124	101	0.048071	0.048071	NUM
fsr-3807	124	102	0.063953	0.063953	NUM
fsr-3807	124	103	3	3	NUM
fsr-3807	124	104	15	15	NUM
fsr-3807	124	105	0.018662	0.018662	NUM
fsr-3807	124	106	0.025704	0.025704	NUM
fsr-3807	124	107	0.035203	0.035203	NUM
fsr-3807	124	108	0.047953	0.047953	NUM
fsr-3807	124	109	0.064977	0.064977	NUM
fsr-3807	124	110	2	2	NUM
fsr-3807	124	111	16	16	NUM
fsr-3807	124	112	0.017634	0.017634	NUM
fsr-3807	124	113	0.024764	0.024764	NUM
fsr-3807	124	114	0.034569	0.034569	NUM
fsr-3807	124	115	0.047976	0.047976	NUM
fsr-3807	124	116	0.066213	0.066213	NUM
fsr-3807	124	117	1	1	NUM
fsr-3807	124	118	17	17	NUM
fsr-3807	124	119	0.016707	0.016707	NUM
fsr-3807	124	120	0.023922	0.023922	NUM
fsr-3807	124	121	0.034035	0.034035	NUM
fsr-3807	124	122	0.048127	0.048127	NUM
fsr-3807	124	123	0.07651	0.07651	NUM
fsr-3807	124	124	0	0	NUM
fsr-3807	124	125	18	18	NUM
fsr-3807	124	126	0.015866	0.015866	NUM
fsr-3807	124	127	0.023163	0.023163	NUM
fsr-3807	124	128	0.033589	0.033589	NUM
fsr-3807	124	129	0.048393	0.048393	NUM
fsr-3807	124	130	0.069284	0.069284	NUM
fsr-3807	124	131	respectively	respectively	ADV
fsr-3807	124	132	,	,	PUNCT
fsr-3807	124	133	which	which	PRON
fsr-3807	124	134	many	many	ADJ
fsr-3807	124	135	would	would	AUX
fsr-3807	124	136	consider	consider	VERB
fsr-3807	124	137	reasonable	reasonable	ADJ
fsr-3807	124	138	expected	expect	VERB
fsr-3807	124	139	returns	return	NOUN
fsr-3807	124	140	for	for	ADP
fsr-3807	124	141	the	the	DET
fsr-3807	124	142	portfolios	portfolio	NOUN
fsr-3807	124	143	described	describe	VERB
fsr-3807	124	144	above	above	ADV
fsr-3807	124	145	.	.	PUNCT
fsr-3807	125	1	to	to	PART
fsr-3807	125	2	compute	compute	VERB
fsr-3807	125	3	a	a	DET
fsr-3807	125	4	required	require	VERB
fsr-3807	125	5	monthly	monthly	ADJ
fsr-3807	125	6	savings	saving	NOUN
fsr-3807	125	7	figure	figure	NOUN
fsr-3807	125	8	,	,	PUNCT
fsr-3807	125	9	multiply	multiply	VERB
fsr-3807	125	10	the	the	DET
fsr-3807	125	11	current	current	ADJ
fsr-3807	125	12	annual	annual	ADJ
fsr-3807	125	13	cost	cost	NOUN
fsr-3807	125	14	at	at	ADP
fsr-3807	125	15	the	the	DET
fsr-3807	125	16	target	target	NOUN
fsr-3807	125	17	institution	institution	NOUN
fsr-3807	125	18	by	by	ADP
fsr-3807	125	19	the	the	DET
fsr-3807	125	20	factor	factor	NOUN
fsr-3807	125	21	in	in	ADP
fsr-3807	125	22	the	the	DET
fsr-3807	125	23	appropriate	appropriate	ADJ
fsr-3807	125	24	table	table	NOUN
fsr-3807	125	25	.	.	PUNCT
fsr-3807	126	1	for	for	ADP
fsr-3807	126	2	example	example	NOUN
fsr-3807	126	3	,	,	PUNCT
fsr-3807	126	4	table	table	NOUN
fsr-3807	126	5	5	5	NUM
fsr-3807	126	6	contains	contain	VERB
fsr-3807	126	7	fac	fac	PROPN
fsr-3807	126	8	tors	tor	NOUN
fsr-3807	126	9	for	for	ADP
fsr-3807	126	10	an	an	DET
fsr-3807	126	11	8	8	NUM
fsr-3807	126	12	percent	percent	NOUN
fsr-3807	126	13	investment	investment	NOUN
fsr-3807	126	14	yield	yield	NOUN
fsr-3807	126	15	,	,	PUNCT
fsr-3807	126	16	along	along	ADP
fsr-3807	126	17	with	with	ADP
fsr-3807	126	18	college	college	NOUN
fsr-3807	126	19	cost	cost	NOUN
fsr-3807	126	20	growth	growth	NOUN
fsr-3807	126	21	rates	rate	NOUN
fsr-3807	126	22	ranging	range	VERB
fsr-3807	126	23	from	from	ADP
fsr-3807	126	24	2	2	NUM
fsr-3807	126	25	to	to	PART
fsr-3807	126	26	10	10	NUM
fsr-3807	126	27	percent	percent	NOUN
fsr-3807	126	28	.	.	PUNCT
fsr-3807	127	1	assume	assume	VERB
fsr-3807	127	2	that	that	SCONJ
fsr-3807	127	3	college	college	NOUN
fsr-3807	127	4	costs	cost	NOUN
fsr-3807	127	5	are	be	AUX
fsr-3807	127	6	expected	expect	VERB
fsr-3807	127	7	to	to	PART
fsr-3807	127	8	increase	increase	VERB
fsr-3807	127	9	at	at	ADP
fsr-3807	127	10	a	a	DET
fsr-3807	127	11	6	6	NUM
fsr-3807	127	12	percent	percent	NOUN
fsr-3807	127	13	rate	rate	NOUN
fsr-3807	127	14	over	over	ADP
fsr-3807	127	15	the	the	DET
fsr-3807	127	16	foresee	foresee	ADJ
fsr-3807	127	17	able	able	ADJ
fsr-3807	127	18	future	future	NOUN
fsr-3807	127	19	.	.	PUNCT
fsr-3807	128	1	the	the	DET
fsr-3807	128	2	indicated	indicate	VERB
fsr-3807	128	3	monthly	monthly	ADJ
fsr-3807	128	4	savings	saving	NOUN
fsr-3807	128	5	requirement	requirement	NOUN
fsr-3807	128	6	for	for	ADP
fsr-3807	128	7	our	our	PRON
fsr-3807	128	8	hypothetical	hypothetical	ADJ
fsr-3807	128	9	5	5	NUM
fsr-3807	128	10	-	-	PUNCT
fsr-3807	128	11	year	year	NOUN
fsr-3807	128	12	-	-	PUNCT
fsr-3807	128	13	old	old	ADJ
fsr-3807	128	14	wishing	wish	VERB
fsr-3807	128	15	to	to	PART
fsr-3807	128	16	attend	attend	VERB
fsr-3807	128	17	a	a	DET
fsr-3807	128	18	public	public	ADJ
fsr-3807	128	19	university	university	NOUN
fsr-3807	128	20	thirteen	thirteen	NUM
fsr-3807	128	21	years	year	NOUN
fsr-3807	128	22	from	from	ADP
fsr-3807	128	23	today	today	NOUN
fsr-3807	128	24	is	be	AUX
fsr-3807	128	25	$	$	SYM
fsr-3807	128	26	189.52	189.52	NUM
fsr-3807	128	27	(=	(=	NOUN
fsr-3807	128	28	.027109	.027109	NOUN
fsr-3807	128	29	x	x	PUNCT
fsr-3807	128	30	$	$	SYM
fsr-3807	128	31	6,991	6,991	NUM
fsr-3807	128	32	)	)	PUNCT
fsr-3807	128	33	.	.	PUNCT
fsr-3807	129	1	the	the	DET
fsr-3807	129	2	analogous	analogous	ADJ
fsr-3807	129	3	value	value	NOUN
fsr-3807	129	4	for	for	ADP
fsr-3807	129	5	the	the	DET
fsr-3807	129	6	15	15	NUM
fsr-3807	129	7	-	-	PUNCT
fsr-3807	129	8	year	year	NOUN
fsr-3807	129	9	-	-	PUNCT
fsr-3807	129	10	old	old	ADJ
fsr-3807	129	11	from	from	ADP
fsr-3807	129	12	our	our	PRON
fsr-3807	129	13	previous	previous	ADJ
fsr-3807	129	14	example	example	NOUN
fsr-3807	129	15	is	be	AUX
fsr-3807	129	16	sa.a.5.28	sa.a.5.28	ADV
fsr-3807	129	17	(=	(=	ADV
fsr-3807	129	18	$	$	SYM
fsr-3807	129	19	6,991	6,991	NUM
fsr-3807	129	20	x	x	NOUN
fsr-3807	129	21	.063694	.063694	PROPN
fsr-3807	129	22	)	)	PUNCT
fsr-3807	129	23	.	.	PUNCT
fsr-3807	130	1	these	these	DET
fsr-3807	130	2	values	value	NOUN
fsr-3807	130	3	confirm	confirm	VERB
fsr-3807	130	4	those	those	PRON
fsr-3807	130	5	noted	note	VERB
fsr-3807	130	6	previously	previously	ADV
fsr-3807	130	7	.	.	PUNCT
fsr-3807	131	1	finally	finally	ADV
fsr-3807	131	2	,	,	PUNCT
fsr-3807	131	3	it	it	PRON
fsr-3807	131	4	should	should	AUX
fsr-3807	131	5	be	be	AUX
fsr-3807	131	6	noted	note	VERB
fsr-3807	131	7	that	that	SCONJ
fsr-3807	131	8	since	since	SCONJ
fsr-3807	131	9	the	the	DET
fsr-3807	131	10	monthly	monthly	ADJ
fsr-3807	131	11	savings	saving	NOUN
fsr-3807	131	12	requirement	requirement	NOUN
fsr-3807	131	13	is	be	AUX
fsr-3807	131	14	a	a	DET
fsr-3807	131	15	function	function	NOUN
fsr-3807	131	16	of	of	ADP
fsr-3807	131	17	the	the	DET
fsr-3807	131	18	relatively	relatively	ADV
fsr-3807	131	19	easily	easily	ADV
fsr-3807	131	20	obtained	obtain	VERB
fsr-3807	131	21	current	current	ADJ
fsr-3807	131	22	annual	annual	ADJ
fsr-3807	131	23	cost	cost	NOUN
fsr-3807	131	24	figure	figure	NOUN
fsr-3807	131	25	,	,	PUNCT
fsr-3807	131	26	obtaining	obtain	VERB
fsr-3807	131	27	the	the	DET
fsr-3807	131	28	monthly	monthly	ADJ
fsr-3807	131	29	savings	saving	NOUN
fsr-3807	131	30	fig	fig	NOUN
fsr-3807	131	31	ure	ure	NOUN
fsr-3807	131	32	is	be	AUX
fsr-3807	131	33	not	not	PART
fsr-3807	131	34	particularly	particularly	ADV
fsr-3807	131	35	difficult	difficult	ADJ
fsr-3807	131	36	.	.	PUNCT
fsr-3807	132	1	additionally	additionally	ADV
fsr-3807	132	2	,	,	PUNCT
fsr-3807	132	3	the	the	DET
fsr-3807	132	4	percentage	percentage	NOUN
fsr-3807	132	5	difference	difference	NOUN
fsr-3807	132	6	between	between	ADP
fsr-3807	132	7	the	the	DET
fsr-3807	132	8	base	base	NOUN
fsr-3807	132	9	case	case	NOUN
fsr-3807	132	10	value	value	NOUN
fsr-3807	132	11	and	and	CCONJ
fsr-3807	132	12	the	the	DET
fsr-3807	132	13	revised	revise	VERB
fsr-3807	132	14	value	value	NOUN
fsr-3807	132	15	is	be	AUX
fsr-3807	132	16	not	not	PART
fsr-3807	132	17	affected	affect	VERB
fsr-3807	132	18	by	by	ADP
fsr-3807	132	19	the	the	DET
fsr-3807	132	20	magnitude	magnitude	NOUN
fsr-3807	132	21	of	of	ADP
fsr-3807	132	22	the	the	DET
fsr-3807	132	23	current	current	ADJ
fsr-3807	132	24	cost	cost	NOUN
fsr-3807	132	25	figure	figure	NOUN
fsr-3807	132	26	.	.	PUNCT
fsr-3807	133	1	50	50	NUM
fsr-3807	133	2	financial	financial	ADJ
fsr-3807	133	3	services	service	NOUN
fsr-3807	133	4	review	review	VERB
fsr-3807	133	5	6(1	6(1	NUM
fsr-3807	133	6	)	)	PUNCT
fsr-3807	133	7	1997	1997	NUM
fsr-3807	133	8	table	table	NOUN
fsr-3807	133	9	5	5	NUM
fsr-3807	133	10	payment	payment	NOUN
fsr-3807	133	11	factors	factor	NOUN
fsr-3807	133	12	for	for	ADP
fsr-3807	133	13	various	various	ADJ
fsr-3807	133	14	yield	yield	NOUN
fsr-3807	133	15	and	and	CCONJ
fsr-3807	133	16	growth	growth	NOUN
fsr-3807	133	17	rate	rate	NOUN
fsr-3807	133	18	scenarios	scenario	NOUN
fsr-3807	133	19	assnnie.d	assnnie.d	PART
fsr-3807	133	20	investment	investment	NOUN
fsr-3807	133	21	yield	yield	NOUN
fsr-3807	133	22	=	=	SYM
fsr-3807	133	23	8	8	NUM
fsr-3807	133	24	%	%	NOUN
fsr-3807	133	25	tuition	tuition	NOUN
fsr-3807	133	26	growth	growth	NOUN
fsr-3807	133	27	rates	rate	NOUN
fsr-3807	133	28	years	year	NOUN
fsr-3807	133	29	age	age	NOUN
fsr-3807	133	30	until	until	ADP
fsr-3807	133	31	entry	entry	NOUN
fsr-3807	133	32	2	2	NUM
fsr-3807	133	33	%	%	NOUN
fsr-3807	133	34	4	4	NUM
fsr-3807	133	35	%	%	NOUN
fsr-3807	133	36	6	6	NUM
fsr-3807	133	37	%	%	NOUN
fsr-3807	133	38	8	8	NUM
fsr-3807	133	39	%	%	NOUN
fsr-3807	133	40	10	10	NUM
fsr-3807	133	41	%	%	NOUN
fsr-3807	133	42	18	18	NUM
fsr-3807	133	43	0	0	NUM
fsr-3807	133	44	0.114826	0.114826	NUM
fsr-3807	133	45	0.118076	0.118076	NUM
fsr-3807	133	46	0.121409	0.121409	NUM
fsr-3807	133	47	0.124826	0.124826	NUM
fsr-3807	133	48	0.128328	0.128328	NUM
fsr-3807	133	49	17	17	NUM
fsr-3807	133	50	1	1	NUM
fsr-3807	133	51	0.084253	0.084253	NUM
fsr-3807	133	52	0.088336	0.088336	NUM
fsr-3807	134	1	0.092576	0.092576	NUM
fsr-3807	134	2	0.096977	0.096977	NUM
fsr-3807	134	3	0.101545	0.101545	NUM
fsr-3807	134	4	16	16	NUM
fsr-3807	134	5	2	2	NUM
fsr-3807	134	6	0.065906	0.065906	NUM
fsr-3807	134	7	0.070455	0.070455	NUM
fsr-3807	134	8	0.075257	0.075257	NUM
fsr-3807	134	9	0.080322	0.080322	NUM
fsr-3807	134	10	0.085663	0.085663	NUM
fsr-3807	134	11	15	15	NUM
fsr-3807	134	12	3	3	NUM
fsr-3807	134	13	0.053675	0.053675	NUM
fsr-3807	135	1	0.058505	0.058505	NUM
fsr-3807	135	2	0.063694	0.063694	NUM
fsr-3807	135	3	0.069263	0.069263	NUM
fsr-3807	135	4	0.075236	0.075236	NUM
fsr-3807	135	5	14	14	NUM
fsr-3807	135	6	4	4	NUM
fsr-3807	135	7	0.044939	0.044939	NUM
fsr-3807	135	8	0.049943	0.049943	NUM
fsr-3807	135	9	0.055418	0.055418	NUM
fsr-3807	135	10	0.061401	0.061401	NUM
fsr-3807	135	11	0.067931	0.067931	NUM
fsr-3807	135	12	13	13	NUM
fsr-3807	135	13	5	5	NUM
fsr-3807	135	14	0.038388	0.038388	NUM
fsr-3807	135	15	0.0435	0.0435	NUM
fsr-3807	135	16	0.049197	0.049197	NUM
fsr-3807	135	17	0.055537	0.055537	NUM
fsr-3807	135	18	0.062581	0.062581	NUM
fsr-3807	135	19	12	12	NUM
fsr-3807	135	20	6	6	NUM
fsr-3807	135	21	0.033296	0.033296	NUM
fsr-3807	135	22	0.038469	0.038469	NUM
fsr-3807	135	23	0.044344	0.044344	NUM
fsr-3807	135	24	0.051003	0.051003	NUM
fsr-3807	135	25	0.058537	0.058537	NUM
fsr-3807	135	26	11	11	NUM
fsr-3807	135	27	7	7	NUM
fsr-3807	135	28	0.029225	0.029225	NUM
fsr-3807	135	29	0.034428	0.034428	NUM
fsr-3807	135	30	0.040449	0.040449	NUM
fsr-3807	135	31	0.047401	0.047401	NUM
fsr-3807	135	32	0.055409	0.055409	NUM
fsr-3807	135	33	10	10	NUM
fsr-3807	135	34	8	8	NUM
fsr-3807	135	35	0.025898	0.025898	NUM
fsr-3807	135	36	0.031106	0.031106	NUM
fsr-3807	135	37	0.037249	0.037249	NUM
fsr-3807	135	38	0.~.a.a	0.~.a.a	NOUN
fsr-3807	135	39	.	.	PUNCT
fsr-3807	136	1	75	75	NUM
fsr-3807	136	2	0.052952	0.052952	NUM
fsr-3807	136	3	9	9	NUM
fsr-3807	136	4	9	9	NUM
fsr-3807	136	5	0.023129	0.023129	NUM
fsr-3807	136	6	0.028325	0.028325	NUM
fsr-3807	136	7	0	0	PUNCT
fsr-3807	136	8	.	.	PUNCT
fsr-3807	136	9	0	0	NUM
fsr-3807	136	10	3	3	NUM
fsr-3807	136	11	4	4	NUM
fsr-3807	136	12	5	5	NUM
fsr-3807	136	13	7	7	NUM
fsr-3807	136	14	1	1	NUM
fsr-3807	136	15	0.042056	0.042056	NUM
fsr-3807	136	16	0.050999	0.050999	NUM
fsr-3807	136	17	8	8	NUM
fsr-3807	136	18	10	10	NUM
fsr-3807	136	19	0.020789	0.020789	NUM
fsr-3807	136	20	0.025959	0.025959	NUM
fsr-3807	136	21	0.032293	0.032293	NUM
fsr-3807	136	22	0.040026	0.040026	NUM
fsr-3807	136	23	0.049437	0.049437	NUM
fsr-3807	136	24	7	7	NUM
fsr-3807	136	25	11	11	NUM
fsr-3807	136	26	0.018789	0.018789	NUM
fsr-3807	136	27	0.023921	0.023921	NUM
fsr-3807	136	28	0.03033	0.03033	NUM
fsr-3807	136	29	0.038302	0.038302	NUM
fsr-3807	136	30	0.048183	0.048183	NUM
fsr-3807	136	31	6	6	NUM
fsr-3807	136	32	12	12	NUM
fsr-3807	136	33	0.017059	0.017059	NUM
fsr-3807	136	34	0.022145	0.022145	NUM
fsr-3807	136	35	0.028618	0.028618	NUM
fsr-3807	136	36	0.036821	0.036821	NUM
fsr-3807	136	37	0.047179	0.047179	NUM
fsr-3807	136	38	5	5	NUM
fsr-3807	136	39	13	13	NUM
fsr-3807	136	40	0.01555	0.01555	NUM
fsr-3807	136	41	0.020582	0.020582	NUM
fsr-3807	136	42	0.027109	0.027109	NUM
fsr-3807	136	43	0.035539	0.035539	NUM
fsr-3807	136	44	0.046378	0.046378	NUM
fsr-3807	136	45	4	4	NUM
fsr-3807	136	46	14	14	NUM
fsr-3807	136	47	0.014223	0.014223	NUM
fsr-3807	136	48	0.019195	0.019195	NUM
fsr-3807	136	49	0.025768	0.025768	NUM
fsr-3807	136	50	0	0	NUM
fsr-3807	136	51	.034	.034	NUM
fsr-3807	136	52	.419	.419	NUM
fsr-3807	136	53	0.045748	0.045748	NUM
fsr-3807	136	54	3	3	NUM
fsr-3807	136	55	15	15	NUM
fsr-3807	136	56	0.013048	0.013048	NUM
fsr-3807	136	57	0.017955	0.017955	NUM
fsr-3807	136	58	0.024567	0.024567	NUM
fsr-3807	136	59	0.033433	0.033433	NUM
fsr-3807	136	60	0.045261	0.045261	NUM
fsr-3807	136	61	2	2	NUM
fsr-3807	136	62	16	16	NUM
fsr-3807	136	63	0.012002	0.012002	NUM
fsr-3807	136	64	0.016839	0.016839	NUM
fsr-3807	136	65	0.023483	0.023483	NUM
fsr-3807	136	66	0.032561	0.032561	NUM
fsr-3807	136	67	0.04.4897	0.04.4897	NOUN
fsr-3807	136	68	1	1	NUM
fsr-3807	136	69	17	17	NUM
fsr-3807	136	70	0.011065	0.011065	NUM
fsr-3807	136	71	0.015828	0.015828	NUM
fsr-3807	136	72	0.022499	0.022499	NUM
fsr-3807	136	73	0.031784	0.031784	NUM
fsr-3807	136	74	0.044638	0.044638	NUM
fsr-3807	136	75	0	0	NUM
fsr-3807	136	76	18	18	NUM
fsr-3807	136	77	0.010222	0.010222	NUM
fsr-3807	136	78	0.014909	0.014909	NUM
fsr-3807	136	79	0.021599	0.021599	NUM
fsr-3807	136	80	0.03109	0.03109	NUM
fsr-3807	136	81	0.04.~a	0.04.~a	NUM
fsr-3807	136	82	.	.	PUNCT
fsr-3807	137	1	71	71	NUM
fsr-3807	137	2	vi	vi	NOUN
fsr-3807	137	3	.	.	PUNCT
fsr-3807	137	4	further	further	ADJ
fsr-3807	137	5	applications	application	NOUN
fsr-3807	137	6	of	of	ADP
fsr-3807	137	7	the	the	DET
fsr-3807	137	8	model	model	NOUN
fsr-3807	137	9	it	it	PRON
fsr-3807	137	10	is	be	AUX
fsr-3807	137	11	relatively	relatively	ADV
fsr-3807	137	12	straightforward	straightforward	ADJ
fsr-3807	137	13	to	to	PART
fsr-3807	137	14	show	show	VERB
fsr-3807	137	15	that	that	SCONJ
fsr-3807	137	16	the	the	DET
fsr-3807	137	17	reported	report	VERB
fsr-3807	137	18	savings	saving	NOUN
fsr-3807	137	19	figures	figure	NOUN
fsr-3807	137	20	in	in	ADP
fsr-3807	137	21	table	table	NOUN
fsr-3807	137	22	2	2	NUM
fsr-3807	137	23	are	be	AUX
fsr-3807	137	24	over	over	ADV
fsr-3807	137	25	stated	state	VERB
fsr-3807	137	26	for	for	ADP
fsr-3807	137	27	every	every	DET
fsr-3807	137	28	age	age	NOUN
fsr-3807	137	29	category	category	NOUN
fsr-3807	137	30	.	.	PUNCT
fsr-3807	138	1	we	we	PRON
fsr-3807	138	2	have	have	AUX
fsr-3807	138	3	already	already	ADV
fsr-3807	138	4	seen	see	VERB
fsr-3807	138	5	that	that	SCONJ
fsr-3807	138	6	the	the	DET
fsr-3807	138	7	modified	modify	VERB
fsr-3807	138	8	monthly	monthly	ADJ
fsr-3807	138	9	savings	saving	NOUN
fsr-3807	138	10	requirements	requirement	NOUN
fsr-3807	138	11	are	be	AUX
fsr-3807	138	12	substantially	substantially	ADV
fsr-3807	138	13	lower	low	ADJ
fsr-3807	138	14	than	than	ADP
fsr-3807	138	15	the	the	DET
fsr-3807	138	16	two	two	NUM
fsr-3807	138	17	"	"	PUNCT
fsr-3807	138	18	base	base	NOUN
fsr-3807	138	19	case	case	NOUN
fsr-3807	138	20	"	"	PUNCT
fsr-3807	138	21	values	value	NOUN
fsr-3807	138	22	.	.	PUNCT
fsr-3807	139	1	but	but	CCONJ
fsr-3807	139	2	what	what	PRON
fsr-3807	139	3	about	about	ADP
fsr-3807	139	4	the	the	DET
fsr-3807	139	5	remaining	remain	VERB
fsr-3807	139	6	values	value	NOUN
fsr-3807	139	7	?	?	PUNCT
fsr-3807	140	1	returning	return	VERB
fsr-3807	140	2	to	to	ADP
fsr-3807	140	3	table	table	NOUN
fsr-3807	140	4	2	2	NUM
fsr-3807	140	5	,	,	PUNCT
fsr-3807	140	6	the	the	DET
fsr-3807	140	7	revised	revise	VERB
fsr-3807	140	8	monthly	monthly	ADJ
fsr-3807	140	9	savings	saving	NOUN
fsr-3807	140	10	amounts	amount	NOUN
fsr-3807	140	11	range	range	VERB
fsr-3807	140	12	from	from	ADP
fsr-3807	140	13	$	$	SYM
fsr-3807	140	14	157	157	NUM
fsr-3807	140	15	for	for	ADP
fsr-3807	140	16	the	the	DET
fsr-3807	140	17	child	child	NOUN
fsr-3807	140	18	who	who	PRON
fsr-3807	140	19	is	be	AUX
fsr-3807	140	20	currently	currently	ADV
fsr-3807	140	21	one	one	NUM
fsr-3807	140	22	-	-	PUNCT
fsr-3807	140	23	year	year	NOUN
fsr-3807	140	24	-	-	PUNCT
fsr-3807	140	25	old	old	ADJ
fsr-3807	140	26	(	(	PUNCT
fsr-3807	140	27	versus	versus	ADP
fsr-3807	140	28	the	the	DET
fsr-3807	140	29	$	$	SYM
fsr-3807	140	30	191	191	NUM
fsr-3807	140	31	base	base	NOUN
fsr-3807	140	32	figurema	figurema	NOUN
fsr-3807	140	33	17.6	17.6	NUM
fsr-3807	140	34	per	per	ADP
fsr-3807	140	35	cent	cent	NOUN
fsr-3807	140	36	decrease	decrease	NOUN
fsr-3807	140	37	)	)	PUNCT
fsr-3807	140	38	,	,	PUNCT
fsr-3807	140	39	to	to	ADP
fsr-3807	140	40	the	the	DET
fsr-3807	140	41	$	$	SYM
fsr-3807	140	42	445	445	NUM
fsr-3807	140	43	(	(	PUNCT
fsr-3807	140	44	versus	versus	ADP
fsr-3807	140	45	$	$	SYM
fsr-3807	140	46	899	899	NUM
fsr-3807	140	47	)	)	PUNCT
fsr-3807	140	48	for	for	ADP
fsr-3807	140	49	the	the	DET
fsr-3807	140	50	fifteen	fifteen	NUM
fsr-3807	140	51	-	-	PUNCT
fsr-3807	140	52	year	year	NOUN
fsr-3807	140	53	-	-	PUNCT
fsr-3807	140	54	old	old	ADJ
fsr-3807	140	55	noted	note	VERB
fsr-3807	140	56	earlier	early	ADV
fsr-3807	140	57	.	.	PUNCT
fsr-3807	141	1	we	we	PRON
fsr-3807	141	2	believe	believe	VERB
fsr-3807	141	3	that	that	SCONJ
fsr-3807	141	4	the	the	DET
fsr-3807	141	5	tables	table	NOUN
fsr-3807	141	6	presented	present	VERB
fsr-3807	141	7	in	in	ADP
fsr-3807	141	8	this	this	DET
fsr-3807	141	9	paper	paper	NOUN
fsr-3807	141	10	will	will	AUX
fsr-3807	141	11	be	be	AUX
fsr-3807	141	12	useful	useful	ADJ
fsr-3807	141	13	in	in	ADP
fsr-3807	141	14	the	the	DET
fsr-3807	141	15	portfolio	portfolio	NOUN
fsr-3807	141	16	plan	plan	NOUN
fsr-3807	141	17	ning	ning	NOUN
fsr-3807	141	18	process	process	NOUN
fsr-3807	141	19	.	.	PUNCT
fsr-3807	142	1	given	give	VERB
fsr-3807	142	2	that	that	DET
fsr-3807	142	3	historical	historical	ADJ
fsr-3807	142	4	yields	yield	NOUN
fsr-3807	142	5	on	on	ADP
fsr-3807	142	6	different	different	ADJ
fsr-3807	142	7	financial	financial	ADJ
fsr-3807	142	8	instruments	instrument	NOUN
fsr-3807	142	9	vary	vary	VERB
fsr-3807	142	10	in	in	ADP
fsr-3807	142	11	relation	relation	NOUN
fsr-3807	142	12	to	to	ADP
fsr-3807	142	13	their	their	PRON
fsr-3807	142	14	risk	risk	NOUN
fsr-3807	142	15	,	,	PUNCT
fsr-3807	142	16	another	another	DET
fsr-3807	142	17	interesting	interesting	ADJ
fsr-3807	142	18	application	application	NOUN
fsr-3807	142	19	of	of	ADP
fsr-3807	142	20	tables	table	NOUN
fsr-3807	142	21	4	4	NUM
fsr-3807	142	22	through	through	ADP
fsr-3807	142	23	6	6	NUM
fsr-3807	142	24	is	be	AUX
fsr-3807	142	25	to	to	PART
fsr-3807	142	26	use	use	VERB
fsr-3807	142	27	them	they	PRON
fsr-3807	142	28	to	to	PART
fsr-3807	142	29	compare	compare	VERB
fsr-3807	142	30	the	the	DET
fsr-3807	142	31	monthly	monthly	ADJ
fsr-3807	142	32	savings	saving	NOUN
fsr-3807	142	33	necessary	necessary	ADJ
fsr-3807	142	34	to	to	PART
fsr-3807	142	35	accomplish	accomplish	VERB
fsr-3807	142	36	our	our	PRON
fsr-3807	142	37	goal	goal	NOUN
fsr-3807	142	38	,	,	PUNCT
fsr-3807	142	39	given	give	VERB
fsr-3807	142	40	the	the	DET
fsr-3807	142	41	yields	yield	NOUN
fsr-3807	142	42	on	on	ADP
fsr-3807	142	43	different	different	ADJ
fsr-3807	142	44	invest	inv	ADJ
fsr-3807	142	45	ment	ment	NOUN
fsr-3807	142	46	vehicles	vehicle	NOUN
fsr-3807	142	47	.	.	PUNCT
fsr-3807	143	1	at	at	ADP
fsr-3807	143	2	the	the	DET
fsr-3807	143	3	time	time	NOUN
fsr-3807	143	4	of	of	ADP
fsr-3807	143	5	this	this	DET
fsr-3807	143	6	writing	writing	NOUN
fsr-3807	143	7	,	,	PUNCT
fsr-3807	143	8	passbook	passbook	NOUN
fsr-3807	143	9	savings	saving	NOUN
fsr-3807	143	10	accounts	account	NOUN
fsr-3807	143	11	yield	yield	VERB
fsr-3807	143	12	between	between	ADP
fsr-3807	143	13	4	4	NUM
fsr-3807	143	14	and	and	CCONJ
fsr-3807	143	15	5	5	NUM
fsr-3807	143	16	percent	percent	NOUN
fsr-3807	143	17	,	,	PUNCT
fsr-3807	143	18	investment	investment	NOUN
fsr-3807	143	19	-	-	PUNCT
fsr-3807	143	20	grade	grade	NOUN
fsr-3807	143	21	intermediate	intermediate	ADJ
fsr-3807	143	22	-	-	PUNCT
fsr-3807	143	23	term	term	NOUN
fsr-3807	143	24	corporate	corporate	ADJ
fsr-3807	143	25	bonds	bond	NOUN
fsr-3807	143	26	are	be	AUX
fsr-3807	143	27	priced	price	VERB
fsr-3807	143	28	to	to	PART
fsr-3807	143	29	yield	yield	VERB
fsr-3807	143	30	between	between	ADP
fsr-3807	143	31	7	7	NUM
fsr-3807	143	32	and	and	CCONJ
fsr-3807	143	33	8	8	NUM
fsr-3807	143	34	percent	percent	NOUN
fsr-3807	143	35	,	,	PUNCT
fsr-3807	143	36	and	and	CCONJ
fsr-3807	143	37	the	the	DET
fsr-3807	143	38	long	long	ADJ
fsr-3807	143	39	-	-	PUNCT
fsr-3807	143	40	term	term	NOUN
fsr-3807	143	41	return	return	NOUN
fsr-3807	143	42	on	on	ADP
fsr-3807	143	43	the	the	DET
fsr-3807	143	44	average	average	ADJ
fsr-3807	143	45	common	common	ADJ
fsr-3807	143	46	stock	stock	NOUN
fsr-3807	143	47	is	be	AUX
fsr-3807	143	48	just	just	ADV
fsr-3807	143	49	over	over	ADP
fsr-3807	143	50	12	12	NUM
fsr-3807	143	51	per	per	ADP
fsr-3807	143	52	financial	financial	ADJ
fsr-3807	143	53	planning	planning	NOUN
fsr-3807	143	54	and	and	CCONJ
fsr-3807	143	55	college	college	NOUN
fsr-3807	143	56	savings	saving	NOUN
fsr-3807	143	57	51	51	NUM
fsr-3807	143	58	table	table	NOUN
fsr-3807	143	59	6	6	NUM
fsr-3807	143	60	payment	payment	NOUN
fsr-3807	143	61	factors	factor	NOUN
fsr-3807	143	62	for	for	ADP
fsr-3807	143	63	various	various	ADJ
fsr-3807	143	64	yield	yield	NOUN
fsr-3807	143	65	and	and	CCONJ
fsr-3807	143	66	growth	growth	NOUN
fsr-3807	143	67	rate	rate	NOUN
fsr-3807	143	68	scenarios	scenario	NOUN
fsr-3807	143	69	assumed	assume	VERB
fsr-3807	143	70	investment	investment	NOUN
fsr-3807	143	71	yield	yield	NOUN
fsr-3807	143	72	12	12	NUM
fsr-3807	143	73	%	%	NOUN
fsr-3807	143	74	tuition	tuition	NOUN
fsr-3807	143	75	growth	growth	NOUN
fsr-3807	143	76	rates	rate	NOUN
fsr-3807	144	1	years	year	NOUN
fsr-3807	144	2	age	age	NOUN
fsr-3807	144	3	until	until	ADP
fsr-3807	144	4	entry	entry	NOUN
fsr-3807	144	5	2	2	NUM
fsr-3807	144	6	%	%	NOUN
fsr-3807	144	7	4	4	NUM
fsr-3807	144	8	%	%	NOUN
fsr-3807	144	9	6	6	NUM
fsr-3807	144	10	%	%	NOUN
fsr-3807	144	11	8	8	NUM
fsr-3807	144	12	%	%	NOUN
fsr-3807	144	13	10	10	NUM
fsr-3807	144	14	%	%	NOUN
fsr-3807	144	15	18	18	NUM
fsr-3807	144	16	0	0	NUM
fsr-3807	144	17	0.11513	0.11513	NUM
fsr-3807	144	18	0	0	NUM
fsr-3807	144	19	.	.	PUNCT
fsr-3807	145	1	1	1	NUM
fsr-3807	145	2	1	1	NUM
fsr-3807	145	3	8	8	NUM
fsr-3807	145	4	2	2	NUM
fsr-3807	145	5	7	7	NUM
fsr-3807	145	6	5	5	NUM
fsr-3807	145	7	0.121499	0.121499	NUM
fsr-3807	145	8	0.124803	0.124803	NUM
fsr-3807	145	9	0.128188	0.128188	NUM
fsr-3807	145	10	17	17	NUM
fsr-3807	145	11	1	1	NUM
fsr-3807	145	12	0.08267	0.08267	NUM
fsr-3807	145	13	0	0	NUM
fsr-3807	145	14	.	.	PUNCT
fsr-3807	145	15	0	0	NUM
fsr-3807	145	16	8	8	NUM
fsr-3807	145	17	6	6	NUM
fsr-3807	145	18	5	5	NUM
fsr-3807	145	19	4	4	NUM
fsr-3807	145	20	9	9	NUM
fsr-3807	145	21	0.090617	0.090617	NUM
fsr-3807	145	22	0.094838	0.094838	NUM
fsr-3807	145	23	0.099214	0.099214	NUM
fsr-3807	145	24	16	16	NUM
fsr-3807	145	25	2	2	NUM
fsr-3807	145	26	0.063179	0.063179	NUM
fsr-3807	145	27	0	0	NUM
fsr-3807	145	28	.	.	PUNCT
fsr-3807	145	29	0	0	NUM
fsr-3807	146	1	6	6	NUM
fsr-3807	146	2	7	7	NUM
fsr-3807	146	3	4	4	NUM
fsr-3807	146	4	7	7	NUM
fsr-3807	146	5	5	5	NUM
fsr-3807	146	6	0.072006	0.072006	NUM
fsr-3807	146	7	0.076781	0.076781	NUM
fsr-3807	146	8	0.081812	0.081812	NUM
fsr-3807	146	9	15	15	NUM
fsr-3807	146	10	3	3	NUM
fsr-3807	146	11	0.050263	0.050263	NUM
fsr-3807	146	12	0	0	NUM
fsr-3807	146	13	.	.	PUNCT
fsr-3807	146	14	0	0	NUM
fsr-3807	147	1	5	5	NUM
fsr-3807	147	2	4	4	NUM
fsr-3807	147	3	7	7	NUM
fsr-3807	147	4	3	3	NUM
fsr-3807	147	5	3	3	NUM
fsr-3807	147	6	0.059532	0.059532	NUM
fsr-3807	147	7	0.064677	0.064677	NUM
fsr-3807	147	8	0.070191	0.070191	NUM
fsr-3807	147	9	14	14	NUM
fsr-3807	147	10	4	4	NUM
fsr-3807	147	11	0.041082	0.041082	NUM
fsr-3807	147	12	0	0	NUM
fsr-3807	147	13	.	.	PUNCT
fsr-3807	147	14	0	0	NUM
fsr-3807	148	1	4	4	NUM
fsr-3807	148	2	5	5	NUM
fsr-3807	148	3	6	6	NUM
fsr-3807	148	4	1	1	NUM
fsr-3807	148	5	3	3	NUM
fsr-3807	148	6	0.050566	0.050566	NUM
fsr-3807	148	7	0.055973	0.055973	NUM
fsr-3807	148	8	0.06187	0.06187	NUM
fsr-3807	148	9	13	13	NUM
fsr-3807	148	10	5	5	NUM
fsr-3807	148	11	0.034238	0.034238	NUM
fsr-3807	148	12	0	0	NUM
fsr-3807	148	13	.	.	PUNCT
fsr-3807	148	14	0	0	NUM
fsr-3807	148	15	3	3	NUM
fsr-3807	148	16	8	8	NUM
fsr-3807	148	17	7	7	NUM
fsr-3807	148	18	6	6	NUM
fsr-3807	148	19	0.043795	0.043795	NUM
fsr-3807	148	20	0.049393	0.049393	NUM
fsr-3807	148	21	0.055607	0.055607	NUM
fsr-3807	148	22	12	12	NUM
fsr-3807	148	23	6	6	NUM
fsr-3807	148	24	0.028955	0.028955	NUM
fsr-3807	148	25	0	0	NUM
fsr-3807	148	26	.	.	PUNCT
fsr-3807	148	27	0	0	NUM
fsr-3807	148	28	3	3	NUM
fsr-3807	148	29	3	3	NUM
fsr-3807	148	30	4	4	NUM
fsr-3807	148	31	2	2	NUM
fsr-3807	148	32	1	1	NUM
fsr-3807	148	33	0.038489	0.038489	NUM
fsr-3807	148	34	0.044228	0.044228	NUM
fsr-3807	148	35	0.050714	0.050714	NUM
fsr-3807	148	36	11	11	NUM
fsr-3807	148	37	7	7	NUM
fsr-3807	148	38	0.024765	0.024765	NUM
fsr-3807	148	39	0	0	NUM
fsr-3807	148	40	.	.	PUNCT
fsr-3807	149	1	0	0	NUM
fsr-3807	149	2	2	2	NUM
fsr-3807	149	3	9	9	NUM
fsr-3807	149	4	1	1	NUM
fsr-3807	149	5	4	4	NUM
fsr-3807	149	6	5	5	NUM
fsr-3807	149	7	0	0	NUM
fsr-3807	149	8	.	.	PUNCT
fsr-3807	149	9	0	0	NUM
fsr-3807	149	10	3	3	NUM
fsr-3807	149	11	4	4	NUM
fsr-3807	149	12	2	2	NUM
fsr-3807	149	13	1	1	NUM
fsr-3807	149	14	0.040053	0.040053	NUM
fsr-3807	149	15	0.046778	0.046778	NUM
fsr-3807	149	16	10	10	NUM
fsr-3807	149	17	8	8	NUM
fsr-3807	149	18	0.021371	0.021371	NUM
fsr-3807	149	19	0	0	NUM
fsr-3807	149	20	.	.	PUNCT
fsr-3807	149	21	0	0	NUM
fsr-3807	149	22	2	2	NUM
fsr-3807	149	23	5	5	NUM
fsr-3807	149	24	6	6	NUM
fsr-3807	149	25	4	4	NUM
fsr-3807	149	26	5	5	NUM
fsr-3807	149	27	0.03068	0.03068	NUM
fsr-3807	149	28	0.036598	0.036598	NUM
fsr-3807	149	29	0.043534	0.043534	NUM
fsr-3807	149	30	9	9	NUM
fsr-3807	149	31	9	9	NUM
fsr-3807	149	32	0.018576	0.018576	NUM
fsr-3807	149	33	0	0	NUM
fsr-3807	149	34	.	.	PUNCT
fsr-3807	149	35	0	0	NUM
fsr-3807	150	1	2	2	NUM
fsr-3807	150	2	2	2	NUM
fsr-3807	150	3	7	7	NUM
fsr-3807	150	4	2	2	NUM
fsr-3807	150	5	8	8	NUM
fsr-3807	150	6	0.027714	0.027714	NUM
fsr-3807	150	7	0.033683	0.033683	NUM
fsr-3807	150	8	0.040809	0.040809	NUM
fsr-3807	150	9	8	8	NUM
fsr-3807	150	10	10	10	NUM
fsr-3807	150	11	0.016242	0.016242	NUM
fsr-3807	150	12	0	0	NUM
fsr-3807	150	13	.	.	PUNCT
fsr-3807	151	1	0	0	NUM
fsr-3807	151	2	2	2	NUM
fsr-3807	151	3	0	0	NUM
fsr-3807	151	4	2	2	NUM
fsr-3807	151	5	6	6	NUM
fsr-3807	151	6	2	2	NUM
fsr-3807	151	7	0.025182	0.025182	NUM
fsr-3807	151	8	0.031183	0.031183	NUM
fsr-3807	151	9	0.03848	0.03848	NUM
fsr-3807	151	10	7	7	NUM
fsr-3807	151	11	11	11	NUM
fsr-3807	151	12	0.014271	0.014271	NUM
fsr-3807	151	13	0	0	NUM
fsr-3807	151	14	.	.	PUNCT
fsr-3807	151	15	0	0	NUM
fsr-3807	151	16	1	1	NUM
fsr-3807	151	17	8	8	NUM
fsr-3807	151	18	1	1	NUM
fsr-3807	151	19	5	5	NUM
fsr-3807	151	20	2	2	NUM
fsr-3807	151	21	0.022993	0.022993	NUM
fsr-3807	151	22	0	0	NUM
fsr-3807	151	23	.	.	PUNCT
fsr-3807	151	24	0	0	NUM
fsr-3807	151	25	2	2	NUM
fsr-3807	151	26	9	9	NUM
fsr-3807	151	27	0	0	NUM
fsr-3807	151	28	1	1	NUM
fsr-3807	151	29	0.036461	0.036461	NUM
fsr-3807	151	30	6	6	NUM
fsr-3807	151	31	12	12	NUM
fsr-3807	151	32	0.01259	0.01259	NUM
fsr-3807	151	33	0	0	NUM
fsr-3807	151	34	.	.	PUNCT
fsr-3807	151	35	0	0	NUM
fsr-3807	151	36	1	1	NUM
fsr-3807	151	37	6	6	NUM
fsr-3807	151	38	3	3	NUM
fsr-3807	151	39	2	2	NUM
fsr-3807	151	40	8	8	NUM
fsr-3807	151	41	0	0	NUM
fsr-3807	151	42	.	.	PUNCT
fsr-3807	151	43	0	0	NUM
fsr-3807	152	1	2	2	NUM
fsr-3807	152	2	1	1	NUM
fsr-3807	152	3	0	0	NUM
fsr-3807	152	4	8	8	NUM
fsr-3807	152	5	1	1	NUM
fsr-3807	152	6	0.027099	0.027099	NUM
fsr-3807	152	7	0.03469	0.03469	NUM
fsr-3807	152	8	5	5	NUM
fsr-3807	152	9	13	13	NUM
fsr-3807	152	10	0.011145	0.011145	NUM
fsr-3807	152	11	0	0	NUM
fsr-3807	152	12	.	.	PUNCT
fsr-3807	152	13	0	0	NUM
fsr-3807	153	1	1	1	NUM
fsr-3807	153	2	4	4	NUM
fsr-3807	153	3	7	7	NUM
fsr-3807	153	4	3	3	NUM
fsr-3807	153	5	8	8	NUM
fsr-3807	153	6	0.019394	0.019394	NUM
fsr-3807	153	7	0.0254	0.0254	NUM
fsr-3807	153	8	0.033118	0.033118	NUM
fsr-3807	153	9	4	4	NUM
fsr-3807	153	10	14	14	NUM
fsr-3807	153	11	0.009895	0.009895	NUM
fsr-3807	153	12	0	0	NUM
fsr-3807	153	13	.	.	PUNCT
fsr-3807	153	14	0	0	NUM
fsr-3807	154	1	1	1	NUM
fsr-3807	154	2	3	3	NUM
fsr-3807	154	3	3	3	NUM
fsr-3807	154	4	4	4	NUM
fsr-3807	154	5	1	1	NUM
fsr-3807	154	6	0.017894	0.017894	NUM
fsr-3807	154	7	0.023878	0.023878	NUM
fsr-3807	154	8	0.031709	0.031709	NUM
fsr-3807	154	9	3	3	NUM
fsr-3807	154	10	15	15	NUM
fsr-3807	154	11	0.008807	0.008807	NUM
fsr-3807	154	12	0~012107	0~012107	NOUN
fsr-3807	154	13	0.016551	0.016551	NUM
fsr-3807	154	14	0.022503	0.022503	NUM
fsr-3807	154	15	0.030436	0.030436	NUM
fsr-3807	154	16	2	2	NUM
fsr-3807	154	17	16	16	NUM
fsr-3807	154	18	0.007856	0.007856	NUM
fsr-3807	154	19	0	0	NUM
fsr-3807	154	20	.	.	PUNCT
fsr-3807	155	1	0	0	NUM
fsr-3807	156	1	1	1	NUM
fsr-3807	156	2	1	1	NUM
fsr-3807	156	3	0	0	NUM
fsr-3807	156	4	1	1	NUM
fsr-3807	156	5	1	1	NUM
fsr-3807	156	6	0	0	NUM
fsr-3807	156	7	.	.	PUNCT
fsr-3807	156	8	0	0	NUM
fsr-3807	156	9	1	1	NUM
fsr-3807	156	10	5	5	NUM
fsr-3807	156	11	3	3	NUM
fsr-3807	156	12	4	4	NUM
fsr-3807	156	13	1	1	NUM
fsr-3807	156	14	0.021252	0.021252	NUM
fsr-3807	156	15	0.029277	0.029277	NUM
fsr-3807	156	16	1	1	NUM
fsr-3807	156	17	17	17	NUM
fsr-3807	156	18	0.00702	0.00702	NUM
fsr-3807	156	19	0	0	NUM
fsr-3807	156	20	.	.	PUNCT
fsr-3807	156	21	0	0	NUM
fsr-3807	157	1	1	1	NUM
fsr-3807	157	2	0	0	NUM
fsr-3807	157	3	0	0	NUM
fsr-3807	157	4	3	3	NUM
fsr-3807	157	5	2	2	NUM
fsr-3807	157	6	0.014247	0.014247	NUM
fsr-3807	157	7	0.020108	0.020108	NUM
fsr-3807	157	8	0.028214	0.028214	NUM
fsr-3807	157	9	0	0	NUM
fsr-3807	157	10	18	18	NUM
fsr-3807	157	11	0.006283	0.006283	NUM
fsr-3807	157	12	0	0	NUM
fsr-3807	157	13	.	.	PUNCT
fsr-3807	158	1	0	0	NUM
fsr-3807	158	2	0	0	NUM
fsr-3807	159	1	9	9	NUM
fsr-3807	159	2	1	1	NUM
fsr-3807	159	3	5	5	NUM
fsr-3807	159	4	5	5	NUM
fsr-3807	159	5	0.013251	0.013251	NUM
fsr-3807	159	6	0.019055	0.019055	NUM
fsr-3807	159	7	0.027232	0.027232	NUM
fsr-3807	159	8	cent	cent	NOUN
fsr-3807	159	9	.	.	PUNCT
fsr-3807	160	1	as	as	ADP
fsr-3807	160	2	such	such	ADJ
fsr-3807	160	3	,	,	PUNCT
fsr-3807	160	4	we	we	PRON
fsr-3807	160	5	note	note	VERB
fsr-3807	160	6	that	that	SCONJ
fsr-3807	160	7	tables	table	NOUN
fsr-3807	160	8	4	4	NUM
fsr-3807	160	9	,	,	PUNCT
fsr-3807	160	10	5	5	NUM
fsr-3807	160	11	,	,	PUNCT
fsr-3807	160	12	and	and	CCONJ
fsr-3807	160	13	6	6	NUM
fsr-3807	160	14	have	have	AUX
fsr-3807	160	15	been	be	AUX
fsr-3807	160	16	prepared	prepare	VERB
fsr-3807	160	17	assuming	assume	VERB
fsr-3807	160	18	investment	investment	NOUN
fsr-3807	160	19	returns	return	NOUN
fsr-3807	160	20	of	of	ADP
fsr-3807	160	21	4	4	NUM
fsr-3807	160	22	,	,	PUNCT
fsr-3807	160	23	8	8	NUM
fsr-3807	160	24	,	,	PUNCT
fsr-3807	160	25	and	and	CCONJ
fsr-3807	160	26	12	12	NUM
fsr-3807	160	27	percent	percent	NOUN
fsr-3807	160	28	,	,	PUNCT
fsr-3807	160	29	respectively	respectively	ADV
fsr-3807	160	30	.	.	PUNCT
fsr-3807	161	1	the	the	DET
fsr-3807	161	2	effect	effect	NOUN
fsr-3807	161	3	of	of	ADP
fsr-3807	161	4	portfolio	portfolio	NOUN
fsr-3807	161	5	choice	choice	NOUN
fsr-3807	161	6	on	on	ADP
fsr-3807	161	7	the	the	DET
fsr-3807	161	8	required	require	VERB
fsr-3807	161	9	monthly	monthly	ADJ
fsr-3807	161	10	savings	saving	NOUN
fsr-3807	161	11	figure	figure	NOUN
fsr-3807	161	12	is	be	AUX
fsr-3807	161	13	illustrated	illustrate	VERB
fsr-3807	161	14	in	in	ADP
fsr-3807	161	15	the	the	DET
fsr-3807	161	16	following	follow	VERB
fsr-3807	161	17	example	example	NOUN
fsr-3807	161	18	.	.	PUNCT
fsr-3807	162	1	assume	assume	VERB
fsr-3807	162	2	that	that	SCONJ
fsr-3807	162	3	mr	mr	PROPN
fsr-3807	162	4	.	.	PROPN
fsr-3807	162	5	and	and	CCONJ
fsr-3807	162	6	ms	ms	PROPN
fsr-3807	162	7	.	.	PROPN
fsr-3807	162	8	risk	risk	NOUN
fsr-3807	162	9	-	-	PUNCT
fsr-3807	162	10	averse	averse	ADJ
fsr-3807	162	11	are	be	AUX
fsr-3807	162	12	more	more	ADV
fsr-3807	162	13	concerned	concerned	ADJ
fsr-3807	162	14	with	with	ADP
fsr-3807	162	15	safety	safety	NOUN
fsr-3807	162	16	than	than	ADP
fsr-3807	162	17	with	with	ADP
fsr-3807	162	18	yield	yield	NOUN
fsr-3807	162	19	on	on	ADP
fsr-3807	162	20	their	their	PRON
fsr-3807	162	21	invested	invest	VERB
fsr-3807	162	22	funds	fund	NOUN
fsr-3807	162	23	,	,	PUNCT
fsr-3807	162	24	and	and	CCONJ
fsr-3807	162	25	that	that	SCONJ
fsr-3807	162	26	they	they	PRON
fsr-3807	162	27	construct	construct	VERB
fsr-3807	162	28	a	a	DET
fsr-3807	162	29	low	low	ADJ
fsr-3807	162	30	-	-	PUNCT
fsr-3807	162	31	risk	risk	NOUN
fsr-3807	162	32	portfolio	portfolio	NOUN
fsr-3807	162	33	expected	expect	VERB
fsr-3807	162	34	to	to	PART
fsr-3807	162	35	return	return	VERB
fsr-3807	162	36	4	4	NUM
fsr-3807	162	37	percent	percent	NOUN
fsr-3807	162	38	per	per	ADP
fsr-3807	162	39	annum	annum	NOUN
fsr-3807	162	40	.	.	PUNCT
fsr-3807	163	1	mr	mr	PROPN
fsr-3807	163	2	.	.	PROPN
fsr-3807	163	3	and	and	CCONJ
fsr-3807	163	4	ms	ms	PROPN
fsr-3807	163	5	.	.	PROPN
fsr-3807	163	6	takachance	takachance	ADV
fsr-3807	163	7	,	,	PUNCT
fsr-3807	163	8	on	on	ADP
fsr-3807	163	9	the	the	DET
fsr-3807	163	10	other	other	ADJ
fsr-3807	163	11	hand	hand	NOUN
fsr-3807	163	12	,	,	PUNCT
fsr-3807	163	13	invest	invest	VERB
fsr-3807	163	14	in	in	ADP
fsr-3807	163	15	a	a	DET
fsr-3807	163	16	diver	diver	NOUN
fsr-3807	163	17	sifted	sift	VERB
fsr-3807	163	18	portfolio	portfolio	NOUN
fsr-3807	163	19	of	of	ADP
fsr-3807	163	20	common	common	ADJ
fsr-3807	163	21	stocks	stock	NOUN
fsr-3807	163	22	and	and	CCONJ
fsr-3807	163	23	hope	hope	VERB
fsr-3807	163	24	to	to	PART
fsr-3807	163	25	earn	earn	VERB
fsr-3807	163	26	an	an	DET
fsr-3807	163	27	average	average	ADJ
fsr-3807	163	28	annually	annually	ADV
fsr-3807	163	29	compounded	compound	VERB
fsr-3807	163	30	return	return	NOUN
fsr-3807	163	31	approximating	approximate	VERB
fsr-3807	163	32	12	12	NUM
fsr-3807	163	33	percent	percent	NOUN
fsr-3807	163	34	.	.	PUNCT
fsr-3807	164	1	assuming	assume	VERB
fsr-3807	164	2	a	a	DET
fsr-3807	164	3	child	child	NOUN
fsr-3807	164	4	aged	age	VERB
fsr-3807	164	5	five	five	NUM
fsr-3807	164	6	,	,	PUNCT
fsr-3807	164	7	current	current	ADJ
fsr-3807	164	8	annual	annual	ADJ
fsr-3807	164	9	costs	cost	NOUN
fsr-3807	164	10	of	of	ADP
fsr-3807	164	11	$	$	SYM
fsr-3807	164	12	6,991	6,991	NUM
fsr-3807	164	13	,	,	PUNCT
fsr-3807	164	14	and	and	CCONJ
fsr-3807	164	15	6	6	NUM
fsr-3807	164	16	percent	percent	NOUN
fsr-3807	164	17	tuition	tuition	NOUN
fsr-3807	164	18	inflation	inflation	NOUN
fsr-3807	164	19	rate	rate	NOUN
fsr-3807	164	20	,	,	PUNCT
fsr-3807	164	21	the	the	DET
fsr-3807	164	22	investors	investor	NOUN
fsr-3807	164	23	more	more	ADV
fsr-3807	164	24	concerned	concerned	ADJ
fsr-3807	164	25	with	with	ADP
fsr-3807	164	26	safety	safety	NOUN
fsr-3807	164	27	set	set	VERB
fsr-3807	164	28	aside	aside	ADV
fsr-3807	164	29	$	$	SYM
fsr-3807	164	30	257	257	NUM
fsr-3807	164	31	(=	(=	NOUN
fsr-3807	164	32	$	$	SYM
fsr-3807	164	33	6,991	6,991	NUM
fsr-3807	164	34	x	x	SYM
fsr-3807	164	35	.036848	.036848	PROPN
fsr-3807	164	36	)	)	PUNCT
fsr-3807	164	37	per	per	ADP
fsr-3807	164	38	month	month	NOUN
fsr-3807	164	39	.	.	PUNCT
fsr-3807	165	1	the	the	DET
fsr-3807	165	2	parents	parent	NOUN
fsr-3807	165	3	who	who	PRON
fsr-3807	165	4	have	have	AUX
fsr-3807	165	5	invested	invest	VERB
fsr-3807	165	6	in	in	ADP
fsr-3807	165	7	the	the	DET
fsr-3807	165	8	riskier	risky	ADJ
fsr-3807	165	9	portfolio	portfolio	NOUN
fsr-3807	165	10	need	need	AUX
fsr-3807	165	11	only	only	ADV
fsr-3807	165	12	set	set	VERB
fsr-3807	165	13	aside	aside	ADV
fsr-3807	165	14	$	$	SYM
fsr-3807	165	15	136	136	NUM
fsr-3807	165	16	(=	(=	NOUN
fsr-3807	165	17	$	$	SYM
fsr-3807	165	18	6,991	6,991	NUM
fsr-3807	165	19	x	x	SYM
fsr-3807	165	20	.019394	.019394	NOUN
fsr-3807	165	21	)	)	PUNCT
fsr-3807	165	22	per	per	ADP
fsr-3807	165	23	month	month	NOUN
fsr-3807	165	24	.	.	PUNCT
fsr-3807	166	1	in	in	ADP
fsr-3807	166	2	short	short	ADJ
fsr-3807	166	3	,	,	PUNCT
fsr-3807	166	4	financial	financial	ADJ
fsr-3807	166	5	planners	planner	NOUN
fsr-3807	166	6	will	will	AUX
fsr-3807	166	7	note	note	VERB
fsr-3807	166	8	that	that	SCONJ
fsr-3807	166	9	it	it	PRON
fsr-3807	166	10	becomes	become	VERB
fsr-3807	166	11	a	a	DET
fsr-3807	166	12	simple	simple	ADJ
fsr-3807	166	13	matter	matter	NOUN
fsr-3807	166	14	to	to	PART
fsr-3807	166	15	demonstrate	demonstrate	VERB
fsr-3807	166	16	to	to	ADP
fsr-3807	166	17	clients	client	NOUN
fsr-3807	166	18	the	the	DET
fsr-3807	166	19	effect	effect	NOUN
fsr-3807	166	20	of	of	ADP
fsr-3807	166	21	one	one	NUM
fsr-3807	166	22	's	's	PART
fsr-3807	166	23	risk	risk	NOUN
fsr-3807	166	24	tolerance	tolerance	NOUN
fsr-3807	166	25	on	on	ADP
fsr-3807	166	26	the	the	DET
fsr-3807	166	27	monthly	monthly	ADJ
fsr-3807	166	28	savings	saving	NOUN
fsr-3807	166	29	requirements	requirement	NOUN
fsr-3807	166	30	.	.	PUNCT
fsr-3807	167	1	52	52	NUM
fsr-3807	167	2	financial	financial	PROPN
fsr-3807	167	3	servic'f~	servic'f~	ADP
fsr-3807	167	4	review	review	VERB
fsr-3807	167	5	6(1	6(1	NUM
fsr-3807	167	6	)	)	PUNCT
fsr-3807	167	7	1997	1997	NUM
fsr-3807	167	8	vil	vil	ADJ
fsr-3807	167	9	conclusion	conclusion	NOUN
fsr-3807	167	10	the	the	DET
fsr-3807	167	11	goals	goal	NOUN
fsr-3807	167	12	of	of	ADP
fsr-3807	167	13	this	this	DET
fsr-3807	167	14	paper	paper	NOUN
fsr-3807	167	15	are	be	AUX
fsr-3807	167	16	twofold	twofold	ADJ
fsr-3807	167	17	.	.	PUNCT
fsr-3807	168	1	first	first	ADV
fsr-3807	168	2	,	,	PUNCT
fsr-3807	168	3	by	by	ADP
fsr-3807	168	4	replacing	replace	VERB
fsr-3807	168	5	the	the	DET
fsr-3807	168	6	commonly	commonly	ADV
fsr-3807	168	7	employed	employ	VERB
fsr-3807	168	8	"	"	PUNCT
fsr-3807	168	9	one	one	NUM
fsr-3807	168	10	-	-	PUNCT
fsr-3807	168	11	size	size	NOUN
fsr-3807	168	12	fits	fit	VERB
fsr-3807	168	13	-	-	PUNCT
fsr-3807	168	14	all	all	PRON
fsr-3807	168	15	"	"	PUNCT
fsr-3807	168	16	tables	table	NOUN
fsr-3807	168	17	for	for	ADP
fsr-3807	168	18	college	college	NOUN
fsr-3807	168	19	saving	save	VERB
fsr-3807	168	20	with	with	ADP
fsr-3807	168	21	those	those	PRON
fsr-3807	168	22	impounding	impound	VERB
fsr-3807	168	23	several	several	ADJ
fsr-3807	168	24	possible	possible	ADJ
fsr-3807	168	25	assumptions	assumption	NOUN
fsr-3807	168	26	about	about	ADP
fsr-3807	168	27	inflation	inflation	NOUN
fsr-3807	168	28	rates	rate	NOUN
fsr-3807	168	29	and	and	CCONJ
fsr-3807	168	30	investment	investment	NOUN
fsr-3807	168	31	yields	yield	NOUN
fsr-3807	168	32	,	,	PUNCT
fsr-3807	168	33	we	we	PRON
fsr-3807	168	34	seek	seek	VERB
fsr-3807	168	35	to	to	PART
fsr-3807	168	36	add	add	VERB
fsr-3807	168	37	greater	great	ADJ
fsr-3807	168	38	precision	precision	NOUN
fsr-3807	168	39	and	and	CCONJ
fsr-3807	168	40	flexibility	flexibility	NOUN
fsr-3807	168	41	to	to	ADP
fsr-3807	168	42	the	the	DET
fsr-3807	168	43	financial	financial	ADJ
fsr-3807	168	44	planning	planning	NOUN
fsr-3807	168	45	process	process	NOUN
fsr-3807	168	46	.	.	PUNCT
fsr-3807	169	1	additionally	additionally	ADV
fsr-3807	169	2	,	,	PUNCT
fsr-3807	169	3	by	by	ADP
fsr-3807	169	4	providing	provide	VERB
fsr-3807	169	5	a	a	DET
fsr-3807	169	6	simple	simple	ADJ
fsr-3807	169	7	two	two	NUM
fsr-3807	169	8	-	-	PUNCT
fsr-3807	169	9	step	step	NOUN
fsr-3807	169	10	algorithm	algorithm	NOUN
fsr-3807	169	11	for	for	ADP
fsr-3807	169	12	determining	determine	VERB
fsr-3807	169	13	the	the	DET
fsr-3807	169	14	required	required	ADJ
fsr-3807	169	15	saving	saving	NOUN
fsr-3807	169	16	amount	amount	NOUN
fsr-3807	169	17	,	,	PUNCT
fsr-3807	169	18	we	we	PRON
fsr-3807	169	19	hope	hope	VERB
fsr-3807	169	20	to	to	PART
fsr-3807	169	21	retain	retain	VERB
fsr-3807	169	22	the	the	DET
fsr-3807	169	23	simplicity	simplicity	NOUN
fsr-3807	169	24	of	of	ADP
fsr-3807	169	25	the	the	DET
fsr-3807	169	26	tables	table	NOUN
fsr-3807	169	27	currently	currently	ADV
fsr-3807	169	28	in	in	ADP
fsr-3807	169	29	use	use	NOUN
fsr-3807	169	30	.	.	PUNCT
fsr-3807	170	1	given	give	VERB
fsr-3807	170	2	a	a	DET
fsr-3807	170	3	single	single	ADJ
fsr-3807	170	4	,	,	PUNCT
fsr-3807	170	5	easily	easily	ADV
fsr-3807	170	6	obtainable	obtainable	ADJ
fsr-3807	170	7	input	input	NOUN
fsr-3807	170	8	parameter	parameter	NOUN
fsr-3807	170	9	(	(	PUNCT
fsr-3807	170	10	the	the	DET
fsr-3807	170	11	current	current	ADJ
fsr-3807	170	12	annual	annual	ADJ
fsr-3807	170	13	cost	cost	NOUN
fsr-3807	170	14	of	of	ADP
fsr-3807	170	15	college	college	NOUN
fsr-3807	170	16	)	)	PUNCT
fsr-3807	170	17	,	,	PUNCT
fsr-3807	170	18	we	we	PRON
fsr-3807	170	19	provide	provide	VERB
fsr-3807	170	20	the	the	DET
fsr-3807	170	21	means	mean	NOUN
fsr-3807	170	22	to	to	PART
fsr-3807	170	23	estimate	estimate	VERB
fsr-3807	170	24	the	the	DET
fsr-3807	170	25	total	total	ADJ
fsr-3807	170	26	cost	cost	NOUN
fsr-3807	170	27	for	for	ADP
fsr-3807	170	28	a	a	DET
fsr-3807	170	29	range	range	NOUN
fsr-3807	170	30	of	of	ADP
fsr-3807	170	31	inflation	inflation	NOUN
fsr-3807	170	32	assump	assump	NOUN
fsr-3807	170	33	tions	tion	NOUN
fsr-3807	170	34	,	,	PUNCT
fsr-3807	170	35	regardless	regardless	ADV
fsr-3807	170	36	of	of	ADP
fsr-3807	170	37	the	the	DET
fsr-3807	170	38	child	child	NOUN
fsr-3807	170	39	's	's	PART
fsr-3807	170	40	current	current	ADJ
fsr-3807	170	41	age	age	NOUN
fsr-3807	170	42	.	.	PUNCT
fsr-3807	171	1	further	far	ADV
fsr-3807	171	2	,	,	PUNCT
fsr-3807	171	3	we	we	PRON
fsr-3807	171	4	modify	modify	VERB
fsr-3807	171	5	the	the	DET
fsr-3807	171	6	unrealistic	unrealistic	ADJ
fsr-3807	171	7	assumptions	assumption	NOUN
fsr-3807	171	8	often	often	ADV
fsr-3807	171	9	made	make	VERB
fsr-3807	171	10	about	about	ADP
fsr-3807	171	11	how	how	SCONJ
fsr-3807	171	12	people	people	NOUN
fsr-3807	171	13	save	save	VERB
fsr-3807	171	14	for	for	ADP
fsr-3807	171	15	college	college	NOUN
fsr-3807	171	16	to	to	PART
fsr-3807	171	17	better	well	ADV
fsr-3807	171	18	reflect	reflect	VERB
fsr-3807	171	19	economic	economic	ADJ
fsr-3807	171	20	behavior	behavior	NOUN
fsr-3807	171	21	.	.	PUNCT
fsr-3807	172	1	then	then	ADV
fsr-3807	172	2	we	we	PRON
fsr-3807	172	3	supply	supply	VERB
fsr-3807	172	4	tables	table	NOUN
fsr-3807	172	5	with	with	ADP
fsr-3807	172	6	which	which	PRON
fsr-3807	172	7	to	to	PART
fsr-3807	172	8	compute	compute	VERB
fsr-3807	172	9	the	the	DET
fsr-3807	172	10	monthly	monthly	ADJ
fsr-3807	172	11	savings	saving	NOUN
fsr-3807	172	12	required	require	VERB
fsr-3807	172	13	to	to	PART
fsr-3807	172	14	fund	fund	VERB
fsr-3807	172	15	the	the	DET
fsr-3807	172	16	education	education	NOUN
fsr-3807	172	17	,	,	PUNCT
fsr-3807	172	18	given	give	VERB
fsr-3807	172	19	today	today	NOUN
fsr-3807	172	20	's	's	PART
fsr-3807	172	21	annual	annual	ADJ
fsr-3807	172	22	cost	cost	NOUN
fsr-3807	172	23	and	and	CCONJ
fsr-3807	172	24	the	the	DET
fsr-3807	172	25	estimated	estimate	VERB
fsr-3807	172	26	investment	investment	NOUN
fsr-3807	172	27	yield	yield	NOUN
fsr-3807	172	28	.	.	PUNCT
fsr-3807	173	1	these	these	DET
fsr-3807	173	2	values	value	NOUN
fsr-3807	173	3	are	be	AUX
fsr-3807	173	4	signifi	signifi	NOUN
fsr-3807	173	5	cantly	cantly	ADV
fsr-3807	173	6	lower	low	ADJ
fsr-3807	173	7	than	than	ADP
fsr-3807	173	8	those	those	PRON
fsr-3807	173	9	appearing	appear	VERB
fsr-3807	173	10	in	in	ADP
fsr-3807	173	11	many	many	ADJ
fsr-3807	173	12	published	publish	VERB
fsr-3807	173	13	tables	table	NOUN
fsr-3807	173	14	.	.	PUNCT
fsr-3807	174	1	from	from	ADP
fsr-3807	174	2	the	the	DET
fsr-3807	174	3	viewpoint	viewpoint	NOUN
fsr-3807	174	4	of	of	ADP
fsr-3807	174	5	the	the	DET
fsr-3807	174	6	financial	financial	ADJ
fsr-3807	174	7	planner	planner	NOUN
fsr-3807	174	8	,	,	PUNCT
fsr-3807	174	9	the	the	DET
fsr-3807	174	10	information	information	NOUN
fsr-3807	174	11	provided	provide	VERB
fsr-3807	174	12	in	in	ADP
fsr-3807	174	13	this	this	DET
fsr-3807	174	14	paper	paper	NOUN
fsr-3807	174	15	should	should	AUX
fsr-3807	174	16	serve	serve	VERB
fsr-3807	174	17	to	to	PART
fsr-3807	174	18	make	make	VERB
fsr-3807	174	19	the	the	DET
fsr-3807	174	20	planning	planning	NOUN
fsr-3807	174	21	process	process	NOUN
fsr-3807	174	22	easier	easy	ADJ
fsr-3807	174	23	and	and	CCONJ
fsr-3807	174	24	more	more	ADV
fsr-3807	174	25	accurate	accurate	ADJ
fsr-3807	174	26	by	by	ADP
fsr-3807	174	27	reducing	reduce	VERB
fsr-3807	174	28	the	the	DET
fsr-3807	174	29	monthly	monthly	ADJ
fsr-3807	174	30	outlays	outlay	NOUN
fsr-3807	174	31	required	require	VERB
fsr-3807	174	32	and	and	CCONJ
fsr-3807	174	33	by	by	ADP
fsr-3807	174	34	spelling	spell	VERB
fsr-3807	174	35	out	out	ADP
fsr-3807	174	36	the	the	DET
fsr-3807	174	37	assumptions	assumption	NOUN
fsr-3807	174	38	embedded	embed	VERB
fsr-3807	174	39	in	in	ADP
fsr-3807	174	40	traditional	traditional	ADJ
fsr-3807	174	41	presentations	presentation	NOUN
fsr-3807	174	42	.	.	PUNCT
fsr-3807	175	1	references	reference	NOUN
fsr-3807	175	2	arrow	arrow	NOUN
fsr-3807	175	3	,	,	PUNCT
fsr-3807	175	4	ic	ic	PROPN
fsr-3807	175	5	(	(	PUNCT
fsr-3807	175	6	1973	1973	NUM
fsr-3807	175	7	)	)	PUNCT
fsr-3807	175	8	.	.	PUNCT
fsr-3807	176	1	higher	high	ADJ
fsr-3807	176	2	education	education	NOUN
fsr-3807	176	3	as	as	ADP
fsr-3807	176	4	a	a	DET
fsr-3807	176	5	filter	filter	NOUN
fsr-3807	176	6	.	.	PUNCT
fsr-3807	177	1	journal	journal	PROPN
fsr-3807	177	2	of	of	ADP
fsr-3807	177	3	public	public	ADJ
fsr-3807	177	4	economics	economic	NOUN
fsr-3807	177	5	,	,	PUNCT
fsr-3807	177	6	2	2	NUM
fsr-3807	177	7	,	,	PUNCT
fsr-3807	177	8	193	193	NUM
fsr-3807	177	9	-	-	SYM
fsr-3807	177	10	216	216	NUM
fsr-3807	177	11	.	.	PUNCT
fsr-3807	178	1	banm~	banm~	PROPN
fsr-3807	178	2	s.	s.	PROPN
fsr-3807	178	3	(	(	PUNCT
fsr-3807	178	4	1994	1994	NUM
fsr-3807	178	5	)	)	PUNCT
fsr-3807	178	6	.	.	PUNCT
fsr-3807	179	1	access	access	NOUN
fsr-3807	179	2	,	,	PUNCT
fsr-3807	179	3	choice	choice	NOUN
fsr-3807	179	4	,	,	PUNCT
fsr-3807	179	5	and	and	CCONJ
fsr-3807	179	6	the	the	DET
fsr-3807	179	7	middle	middle	ADJ
fsr-3807	179	8	class	class	NOUN
fsr-3807	179	9	.	.	PUNCT
fsr-3807	180	1	journal	journal	PROPN
fsr-3807	180	2	of	of	ADP
fsr-3807	180	3	studentfinancialaid	studentfinancialaid	PROPN
fsr-3807	180	4	,	,	PUNCT
fsr-3807	180	5	24	24	NUM
fsr-3807	180	6	,	,	PUNCT
fsr-3807	180	7	17	17	NUM
fsr-3807	180	8	-	-	SYM
fsr-3807	180	9	25	25	NUM
fsr-3807	180	10	.	.	PUNCT
fsr-3807	181	1	college	college	NOUN
fsr-3807	181	2	for	for	ADP
fsr-3807	181	3	financial	financial	ADJ
fsr-3807	181	4	planning	planning	NOUN
fsr-3807	181	5	.	.	PUNCT
fsr-3807	182	1	(	(	PUNCT
fsr-3807	182	2	1996	1996	NUM
fsr-3807	182	3	)	)	PUNCT
fsr-3807	182	4	.	.	PUNCT
fsr-3807	183	1	study	study	NOUN
fsr-3807	183	2	guide	guide	NOUN
fsr-3807	183	3	---	---	PUNCT
fsr-3807	183	4	financial	financial	ADJ
fsr-3807	183	5	planning	planning	NOUN
fsr-3807	183	6	process	process	NOUN
fsr-3807	183	7	and	and	CCONJ
fsr-3807	183	8	insurance	insurance	NOUN
fsr-3807	183	9	.	.	PUNCT
fsr-3807	184	1	national	national	ADJ
fsr-3807	184	2	endowment	endowment	PROPN
fsr-3807	184	3	for	for	ADP
fsr-3807	184	4	financial	financial	ADJ
fsr-3807	184	5	education	education	NOUN
fsr-3807	184	6	press	press	NOUN
fsr-3807	184	7	.	.	PUNCT
fsr-3807	185	1	cohn	cohn	PROPN
fsr-3807	185	2	,	,	PUNCT
fsr-3807	185	3	e.	e.	PROPN
fsr-3807	185	4	,	,	PUNCT
fsr-3807	185	5	&	&	CCONJ
fsr-3807	185	6	hughes	hughes	PROPN
fsr-3807	185	7	,	,	PUNCT
fsr-3807	185	8	w.	w.	PROPN
fsr-3807	185	9	(	(	PUNCT
fsr-3807	185	10	1994	1994	NUM
fsr-3807	185	11	)	)	PUNCT
fsr-3807	185	12	.	.	PUNCT
fsr-3807	186	1	a	a	DET
fsr-3807	186	2	benefit	benefit	NOUN
fsr-3807	186	3	-	-	PUNCT
fsr-3807	186	4	cost	cost	NOUN
fsr-3807	186	5	analysis	analysis	NOUN
fsr-3807	186	6	of	of	ADP
fsr-3807	186	7	investment	investment	NOUN
fsr-3807	186	8	in	in	ADP
fsr-3807	186	9	college	college	NOUN
fsr-3807	186	10	education	education	NOUN
fsr-3807	186	11	in	in	ADP
fsr-3807	186	12	the	the	DET
fsr-3807	186	13	united	united	PROPN
fsr-3807	186	14	states	states	PROPN
fsr-3807	186	15	:	:	PUNCT
fsr-3807	186	16	1969	1969	NUM
fsr-3807	186	17	-	-	SYM
fsr-3807	186	18	1985	1985	NUM
fsr-3807	186	19	.	.	PUNCT
fsr-3807	187	1	economics	economic	NOUN
fsr-3807	187	2	of	of	ADP
fsr-3807	187	3	education	education	PROPN
fsr-3807	187	4	review	review	NOUN
fsr-3807	187	5	,	,	PUNCT
fsr-3807	187	6	13	13	NUM
fsr-3807	187	7	,	,	PUNCT
fsr-3807	187	8	109	109	NUM
fsr-3807	187	9	-	-	SYM
fsr-3807	187	10	123	123	NUM
fsr-3807	187	11	.	.	PUNCT
fsr-3807	188	1	fenske	fenske	PROPN
fsr-3807	188	2	,	,	PUNCT
fsr-3807	188	3	r.	r.	PROPN
fsr-3807	188	4	,	,	PUNCT
fsr-3807	188	5	&	&	CCONJ
fsr-3807	188	6	batberini	batberini	PROPN
fsr-3807	188	7	,	,	PUNCT
fsr-3807	188	8	p.	p.	NOUN
fsr-3807	188	9	(	(	PUNCT
fsr-3807	188	10	1995	1995	NUM
fsr-3807	188	11	)	)	PUNCT
fsr-3807	188	12	.	.	PUNCT
fsr-3807	189	1	"	"	PUNCT
fsr-3807	189	2	financial	financial	ADJ
fsr-3807	189	3	aid	aid	NOUN
fsr-3807	189	4	to	to	ADP
fsr-3807	189	5	students	student	NOUN
fsr-3807	189	6	.	.	PUNCT
fsr-3807	189	7	"	"	PUNCT
fsr-3807	190	1	encyclopedia	encyclopedia	NOUN
fsr-3807	190	2	of	of	ADP
fsr-3807	190	3	educational	educational	ADJ
fsr-3807	190	4	research	research	NOUN
fsr-3807	190	5	.	.	PUNCT
fsr-3807	191	1	new	new	PROPN
fsr-3807	191	2	york	york	PROPN
fsr-3807	191	3	:	:	PUNCT
fsr-3807	191	4	macmillan	macmillan	PROPN
fsr-3807	191	5	publishing	publishing	PROPN
fsr-3807	191	6	.	.	PUNCT
fsr-3807	192	1	feldstein	feldstein	PROPN
fsr-3807	192	2	,	,	PUNCT
fsr-3807	192	3	m.	m.	NOUN
fsr-3807	192	4	(	(	PUNCT
fsr-3807	192	5	1992	1992	NUM
fsr-3807	192	6	)	)	PUNCT
fsr-3807	192	7	.	.	PUNCT
fsr-3807	193	1	college	college	NOUN
fsr-3807	193	2	scholarship	scholarship	NOUN
fsr-3807	193	3	rules	rule	NOUN
fsr-3807	193	4	and	and	CCONJ
fsr-3807	193	5	private	private	ADJ
fsr-3807	193	6	saving	saving	NOUN
fsr-3807	193	7	.	.	PUNCT
fsr-3807	194	1	working	work	VERB
fsr-3807	194	2	paper	paper	PROPN
fsr-3807	194	3	4032	4032	NUM
fsr-3807	194	4	.	.	PUNCT
fsr-3807	195	1	cam	cam	PROPN
fsr-3807	195	2	bridge	bridge	PROPN
fsr-3807	195	3	,	,	PUNCT
fsr-3807	195	4	ma	ma	PROPN
fsr-3807	195	5	:	:	PUNCT
fsr-3807	195	6	national	national	ADJ
fsr-3807	195	7	bureau	bureau	PROPN
fsr-3807	195	8	of	of	ADP
fsr-3807	195	9	economic	economic	ADJ
fsr-3807	195	10	research	research	NOUN
fsr-3807	195	11	.	.	PUNCT
fsr-3807	196	1	hecker	hecker	NOUN
fsr-3807	196	2	,	,	PUNCT
fsr-3807	196	3	d.	d.	PROPN
fsr-3807	196	4	(	(	PUNCT
fsr-3807	196	5	1992	1992	NUM
fsr-3807	196	6	)	)	PUNCT
fsr-3807	196	7	reconcifing	reconcife	VERB
fsr-3807	196	8	conflicting	conflicting	ADJ
fsr-3807	196	9	data	datum	NOUN
fsr-3807	196	10	on	on	ADP
fsr-3807	196	11	jobs	job	NOUN
fsr-3807	196	12	for	for	ADP
fsr-3807	196	13	college	college	NOUN
fsr-3807	196	14	graduates	graduate	NOUN
fsr-3807	196	15	.	.	PUNCT
fsr-3807	197	1	monthly	monthly	ADJ
fsr-3807	197	2	labor	labor	NOUN
fsr-3807	197	3	review	review	PROPN
fsr-3807	197	4	,	,	PUNCT
fsr-3807	197	5	july	july	PROPN
fsr-3807	197	6	,	,	PUNCT
fsr-3807	197	7	3	3	PROPN
fsr-3807	197	8	-	-	SYM
fsr-3807	197	9	12	12	NUM
fsr-3807	197	10	.	.	PUNCT
fsr-3807	198	1	heywood	heywood	PROPN
fsr-3807	198	2	,	,	PUNCT
fsr-3807	198	3	j.	j.	PROPN
fsr-3807	198	4	(	(	PUNCT
fsr-3807	198	5	1994	1994	NUM
fsr-3807	198	6	)	)	PUNCT
fsr-3807	198	7	how	how	SCONJ
fsr-3807	198	8	widespread	widespread	ADJ
fsr-3807	198	9	are	be	AUX
fsr-3807	198	10	sheepskin	sheepskin	ADJ
fsr-3807	198	11	returns	return	NOUN
fsr-3807	198	12	to	to	ADP
fsr-3807	198	13	education	education	NOUN
fsr-3807	198	14	in	in	ADP
fsr-3807	198	15	the	the	DET
fsr-3807	198	16	u.s	u.s	PROPN
fsr-3807	198	17	.	.	PROPN
fsr-3807	198	18	?	?	PUNCT
fsr-3807	199	1	economics	economic	NOUN
fsr-3807	199	2	of	of	ADP
fsr-3807	199	3	education	education	PROPN
fsr-3807	199	4	review	review	NOUN
fsr-3807	199	5	,	,	PUNCT
fsr-3807	199	6	13	13	NUM
fsr-3807	199	7	,	,	PUNCT
fsr-3807	199	8	227	227	NUM
fsr-3807	199	9	-	-	SYM
fsr-3807	199	10	234	234	NUM
fsr-3807	199	11	.	.	PUNCT
fsr-3807	200	1	ibbotson	ibbotson	PROPN
fsr-3807	200	2	associates	associates	PROPN
fsr-3807	200	3	.	.	PUNCT
fsr-3807	201	1	(	(	PUNCT
fsr-3807	201	2	1995	1995	NUM
fsr-3807	201	3	)	)	PUNCT
fsr-3807	201	4	.	.	PUNCT
fsr-3807	202	1	stocks	stock	NOUN
fsr-3807	202	2	,	,	PUNCT
fsr-3807	202	3	bonds	bond	NOUN
fsr-3807	202	4	,	,	PUNCT
fsr-3807	202	5	bills	bill	NOUN
fsr-3807	202	6	,	,	PUNCT
fsr-3807	202	7	&	&	CCONJ
fsr-3807	202	8	infiation--1995	infiation--1995	ADV
fsr-3807	202	9	yearbook	yearbook	VERB
fsr-3807	202	10	.	.	PUNCT
fsr-3807	203	1	chicago	chicago	PROPN
fsr-3807	203	2	,	,	PUNCT
fsr-3807	203	3	il	il	PROPN
fsr-3807	203	4	:	:	PUNCT
fsr-3807	203	5	author	author	NOUN
fsr-3807	203	6	.	.	PUNCT
fsr-3807	204	1	research	research	NOUN
fsr-3807	204	2	associates	associate	NOUN
fsr-3807	204	3	.	.	PUNCT
fsr-3807	205	1	(	(	PUNCT
fsr-3807	205	2	1995	1995	NUM
fsr-3807	205	3	)	)	PUNCT
fsr-3807	205	4	.	.	PUNCT
fsr-3807	206	1	inflation	inflation	NOUN
fsr-3807	206	2	measures	measure	NOUN
fsr-3807	206	3	for	for	ADP
fsr-3807	206	4	schools	school	NOUN
fsr-3807	206	5	,	,	PUNCT
fsr-3807	206	6	colleges	college	NOUN
fsr-3807	206	7	,	,	PUNCT
fsr-3807	206	8	&	&	CCONJ
fsr-3807	206	9	librariesd1995	librariesd1995	PROPN
fsr-3807	206	10	update	update	NOUN
fsr-3807	206	11	.	.	PUNCT
fsr-3807	207	1	washington	washington	PROPN
fsr-3807	207	2	,	,	PUNCT
fsr-3807	207	3	dc	dc	PROPN
fsr-3807	207	4	:	:	PUNCT
fsr-3807	207	5	author	author	NOUN
fsr-3807	207	6	.	.	PUNCT
fsr-3807	208	1	spence	spence	PROPN
fsr-3807	208	2	,	,	PUNCT
fsr-3807	208	3	m.	m.	NOUN
fsr-3807	208	4	(	(	PUNCT
fsr-3807	208	5	1974	1974	NUM
fsr-3807	208	6	)	)	PUNCT
fsr-3807	208	7	.	.	PUNCT
fsr-3807	209	1	market	market	NOUN
fsr-3807	209	2	signalling	signal	VERB
fsr-3807	209	3	.	.	PUNCT
fsr-3807	210	1	cambridge	cambridge	PROPN
fsr-3807	210	2	,	,	PUNCT
fsr-3807	210	3	ma	ma	PROPN
fsr-3807	210	4	:	:	PUNCT
fsr-3807	210	5	harvard	harvard	PROPN
fsr-3807	210	6	press	press	PROPN
fsr-3807	210	7	.	.	PUNCT
fsr-3807	211	1	wolpin	wolpin	PROPN
fsr-3807	211	2	,	,	PUNCT
fsr-3807	211	3	k.	k.	PROPN
fsr-3807	211	4	(	(	PUNCT
fsr-3807	211	5	1977	1977	NUM
fsr-3807	211	6	)	)	PUNCT
fsr-3807	211	7	.	.	PUNCT
fsr-3807	212	1	education	education	NOUN
fsr-3807	212	2	and	and	CCONJ
fsr-3807	212	3	screening	screening	NOUN
fsr-3807	212	4	.	.	PUNCT
fsr-3807	213	1	american	american	PROPN
fsr-3807	213	2	economic	economic	PROPN
fsr-3807	213	3	review	review	PROPN
fsr-3807	213	4	,	,	PUNCT
fsr-3807	213	5	67	67	NUM
fsr-3807	213	6	,	,	PUNCT
fsr-3807	213	7	949	949	NUM
fsr-3807	213	8	-	-	SYM
fsr-3807	213	9	958	958	NUM
fsr-3807	213	10	.	.	PUNCT