id	sid	tid	token	lemma	pos
fsr-3810	1	1	pii	pii	PROPN
fsr-3810	1	2	:	:	PUNCT
fsr-3810	1	3	s1057	s1057	NOUN
fsr-3810	1	4	-	-	PUNCT
fsr-3810	1	5	0810(97)90033	0810(97)90033	NUM
fsr-3810	1	6	-	-	PUNCT
fsr-3810	1	7	0	0	NUM
fsr-3810	1	8	financial	financial	ADJ
fsr-3810	1	9	services	service	NOUN
fsr-3810	1	10	review	review	NOUN
fsr-3810	1	11	,	,	PUNCT
fsr-3810	1	12	6(1	6(1	NUM
fsr-3810	1	13	):	):	PUNCT
fsr-3810	1	14	69	69	NUM
fsr-3810	1	15	-	-	SYM
fsr-3810	1	16	-74	-74	NOUN
fsr-3810	1	17	copyright	copyright	NOUN
fsr-3810	1	18	©	©	PROPN
fsr-3810	1	19	1997	1997	NUM
fsr-3810	1	20	by	by	ADP
fsr-3810	1	21	jai	jai	PROPN
fsr-3810	1	22	press	press	PROPN
fsr-3810	1	23	inc	inc	PROPN
fsr-3810	1	24	.	.	PUNCT
fsr-3810	2	1	i	i	PRON
fsr-3810	2	2	issn	issn	VERB
fsr-3810	2	3	:	:	PUNCT
fsr-3810	2	4	1057	1057	NUM
fsr-3810	2	5	-	-	SYM
fsr-3810	2	6	0810	0810	NUM
fsr-3810	2	7	all	all	DET
fsr-3810	2	8	rights	right	NOUN
fsr-3810	2	9	o(f	o(f	NOUN
fsr-3810	2	10	reproduction	reproduction	NOUN
fsr-3810	2	11	in	in	ADP
fsr-3810	2	12	any	any	DET
fsr-3810	2	13	form	form	NOUN
fsr-3810	2	14	reserved	reserve	VERB
fsr-3810	2	15	.	.	PUNCT
fsr-3810	3	1	i	i	PRON
fsr-3810	3	2	book	book	NOUN
fsr-3810	3	3	,	,	PUNCT
fsr-3810	3	4	software	software	NOUN
fsr-3810	3	5	,	,	PUNCT
fsr-3810	3	6	and	and	CCONJ
fsr-3810	3	7	web	web	NOUN
fsr-3810	3	8	site	site	NOUN
fsr-3810	3	9	reviews	review	VERB
fsr-3810	3	10	douglas	douglas	PROPN
fsr-3810	3	11	kahl	kahl	PROPN
fsr-3810	3	12	,	,	PUNCT
fsr-3810	3	13	editor	editor	PROPN
fsr-3810	3	14	university	university	PROPN
fsr-3810	3	15	of	of	ADP
fsr-3810	3	16	akron	akron	PROPN
fsr-3810	3	17	personal	personal	ADJ
fsr-3810	3	18	financial	financial	ADJ
fsr-3810	3	19	planning	planning	NOUN
fsr-3810	3	20	,	,	PUNCT
fsr-3810	3	21	7th	7th	ADJ
fsr-3810	3	22	edition	edition	NOUN
fsr-3810	3	23	.	.	PUNCT
fsr-3810	4	1	lawrence	lawrence	PROPN
fsr-3810	4	2	j.	j.	PROPN
fsr-3810	4	3	gitman	gitman	PROPN
fsr-3810	4	4	and	and	CCONJ
fsr-3810	4	5	michael	michael	PROPN
fsr-3810	4	6	d.	d.	PROPN
fsr-3810	4	7	joehnk	joehnk	PROPN
fsr-3810	4	8	ft	ft	PROPN
fsr-3810	4	9	.	.	PUNCT
fsr-3810	4	10	worththe	worththe	PROPN
fsr-3810	4	11	dryden	dryden	PROPN
fsr-3810	4	12	press	press	PROPN
fsr-3810	4	13	;	;	PUNCT
fsr-3810	4	14	1996	1996	NUM
fsr-3810	4	15	(	(	PUNCT
fsr-3810	4	16	656	656	NUM
fsr-3810	4	17	pp	pp	NOUN
fsr-3810	4	18	.	.	PUNCT
fsr-3810	4	19	)	)	PUNCT
fsr-3810	4	20	reviewed	review	VERB
fsr-3810	4	21	by	by	ADP
fsr-3810	4	22	:	:	PUNCT
fsr-3810	4	23	sue	sue	NOUN
fsr-3810	4	24	greninger	greninger	NOUN
fsr-3810	4	25	the	the	DET
fsr-3810	4	26	seventh	seventh	ADJ
fsr-3810	4	27	edition	edition	NOUN
fsr-3810	4	28	of	of	ADP
fsr-3810	4	29	personal	personal	ADJ
fsr-3810	4	30	financial	financial	ADJ
fsr-3810	4	31	planning	planning	NOUN
fsr-3810	4	32	is	be	AUX
fsr-3810	4	33	user	user	NOUN
fsr-3810	4	34	-	-	PUNCT
fsr-3810	4	35	friendly	friendly	ADJ
fsr-3810	4	36	for	for	ADP
fsr-3810	4	37	undergraduates	undergraduate	NOUN
fsr-3810	4	38	and	and	CCONJ
fsr-3810	4	39	features	feature	VERB
fsr-3810	4	40	an	an	DET
fsr-3810	4	41	integrative	integrative	ADJ
fsr-3810	4	42	,	,	PUNCT
fsr-3810	4	43	dynamic	dynamic	ADJ
fsr-3810	4	44	approach	approach	NOUN
fsr-3810	4	45	.	.	PUNCT
fsr-3810	5	1	an	an	DET
fsr-3810	5	2	introductory	introductory	ADJ
fsr-3810	5	3	profile	profile	NOUN
fsr-3810	5	4	for	for	SCONJ
fsr-3810	5	5	each	each	DET
fsr-3810	5	6	chapter	chapter	NOUN
fsr-3810	5	7	pre	pre	X
fsr-3810	5	8	sents	sents	PROPN
fsr-3810	5	9	a	a	DET
fsr-3810	5	10	person	person	NOUN
fsr-3810	5	11	or	or	CCONJ
fsr-3810	5	12	family	family	NOUN
fsr-3810	5	13	,	,	PUNCT
fsr-3810	5	14	depicted	depict	VERB
fsr-3810	5	15	in	in	ADP
fsr-3810	5	16	an	an	DET
fsr-3810	5	17	attractive	attractive	ADJ
fsr-3810	5	18	photograph	photograph	NOUN
fsr-3810	5	19	,	,	PUNCT
fsr-3810	5	20	who	who	PRON
fsr-3810	5	21	is	be	AUX
fsr-3810	5	22	facing	face	VERB
fsr-3810	5	23	a	a	DET
fsr-3810	5	24	real	real	ADJ
fsr-3810	5	25	-	-	PUNCT
fsr-3810	5	26	life	life	NOUN
fsr-3810	5	27	finan	finan	NOUN
fsr-3810	5	28	cial	cial	ADJ
fsr-3810	5	29	decision	decision	NOUN
fsr-3810	5	30	or	or	CCONJ
fsr-3810	5	31	problem	problem	NOUN
fsr-3810	5	32	.	.	PUNCT
fsr-3810	6	1	undergraduate	undergraduate	ADJ
fsr-3810	6	2	students	student	NOUN
fsr-3810	6	3	assisting	assist	VERB
fsr-3810	6	4	in	in	ADP
fsr-3810	6	5	this	this	DET
fsr-3810	6	6	review	review	NOUN
fsr-3810	6	7	said	say	VERB
fsr-3810	6	8	these	these	DET
fsr-3810	6	9	vignettes	vignette	NOUN
fsr-3810	6	10	helped	help	VERB
fsr-3810	6	11	focus	focus	VERB
fsr-3810	6	12	their	their	PRON
fsr-3810	6	13	attention	attention	NOUN
fsr-3810	6	14	on	on	ADP
fsr-3810	6	15	the	the	DET
fsr-3810	6	16	relevancy	relevancy	NOUN
fsr-3810	6	17	of	of	ADP
fsr-3810	6	18	the	the	DET
fsr-3810	6	19	chapter	chapter	NOUN
fsr-3810	6	20	's	's	PART
fsr-3810	6	21	content	content	NOUN
fsr-3810	6	22	to	to	ADP
fsr-3810	6	23	their	their	PRON
fsr-3810	6	24	lives	life	NOUN
fsr-3810	6	25	.	.	PUNCT
fsr-3810	7	1	although	although	SCONJ
fsr-3810	7	2	one	one	NUM
fsr-3810	7	3	student	student	NOUN
fsr-3810	7	4	lamented	lament	VERB
fsr-3810	7	5	the	the	DET
fsr-3810	7	6	replacement	replacement	NOUN
fsr-3810	7	7	of	of	ADP
fsr-3810	7	8	the	the	DET
fsr-3810	7	9	"	"	PUNCT
fsr-3810	7	10	facts	fact	NOUN
fsr-3810	7	11	and	and	CCONJ
fsr-3810	7	12	fantasies	fantasy	NOUN
fsr-3810	7	13	"	"	PUNCT
fsr-3810	7	14	questions	question	NOUN
fsr-3810	7	15	at	at	ADP
fsr-3810	7	16	the	the	DET
fsr-3810	7	17	beginning	beginning	NOUN
fsr-3810	7	18	of	of	ADP
fsr-3810	7	19	chapters	chapter	NOUN
fsr-3810	7	20	by	by	ADP
fsr-3810	7	21	"	"	PUNCT
fsr-3810	7	22	boring	boring	ADJ
fsr-3810	7	23	learning	learning	NOUN
fsr-3810	7	24	objectives	objective	NOUN
fsr-3810	7	25	,	,	PUNCT
fsr-3810	7	26	she	she	PRON
fsr-3810	7	27	agreed	agree	VERB
fsr-3810	7	28	that	that	SCONJ
fsr-3810	7	29	the	the	DET
fsr-3810	7	30	objectives	objective	NOUN
fsr-3810	7	31	provided	provide	VERB
fsr-3810	7	32	a	a	DET
fsr-3810	7	33	helpful	helpful	ADJ
fsr-3810	7	34	overview	overview	NOUN
fsr-3810	7	35	of	of	ADP
fsr-3810	7	36	the	the	DET
fsr-3810	7	37	chapter	chapter	NOUN
fsr-3810	7	38	's	's	PART
fsr-3810	7	39	purpose	purpose	NOUN
fsr-3810	7	40	.	.	PUNCT
fsr-3810	8	1	six	six	NUM
fsr-3810	8	2	learning	learn	VERB
fsr-3810	8	3	objectives	objective	NOUN
fsr-3810	8	4	at	at	ADP
fsr-3810	8	5	the	the	DET
fsr-3810	8	6	beginning	beginning	NOUN
fsr-3810	8	7	of	of	ADP
fsr-3810	8	8	each	each	DET
fsr-3810	8	9	chapter	chapter	NOUN
fsr-3810	8	10	,	,	PUNCT
fsr-3810	8	11	however	however	ADV
fsr-3810	8	12	,	,	PUNCT
fsr-3810	8	13	seemed	seem	VERB
fsr-3810	8	14	a	a	DET
fsr-3810	8	15	tad	tad	NOUN
fsr-3810	8	16	too	too	ADV
fsr-3810	8	17	standardized	standardized	ADJ
fsr-3810	8	18	for	for	ADP
fsr-3810	8	19	a	a	DET
fsr-3810	8	20	text	text	NOUN
fsr-3810	8	21	seeking	seek	VERB
fsr-3810	8	22	to	to	PART
fsr-3810	8	23	emphasize	emphasize	VERB
fsr-3810	8	24	diversity	diversity	NOUN
fsr-3810	8	25	and	and	CCONJ
fsr-3810	8	26	change	change	NOUN
fsr-3810	8	27	.	.	PUNCT
fsr-3810	9	1	these	these	DET
fsr-3810	9	2	two	two	NUM
fsr-3810	9	3	themes	theme	NOUN
fsr-3810	9	4	--	--	PUNCT
fsr-3810	9	5	diversity	diversity	NOUN
fsr-3810	9	6	and	and	CCONJ
fsr-3810	9	7	change	change	NOUN
fsr-3810	9	8	---	---	PUNCT
fsr-3810	9	9	are	be	AUX
fsr-3810	9	10	highlighted	highlight	VERB
fsr-3810	9	11	quite	quite	ADV
fsr-3810	9	12	effectively	effectively	ADV
fsr-3810	9	13	in	in	ADP
fsr-3810	9	14	the	the	DET
fsr-3810	9	15	new	new	ADJ
fsr-3810	9	16	"	"	PUNCT
fsr-3810	9	17	financial	financial	ADJ
fsr-3810	9	18	shock	shock	NOUN
fsr-3810	9	19	"	"	PUNCT
fsr-3810	9	20	boxes	box	NOUN
fsr-3810	9	21	.	.	PUNCT
fsr-3810	10	1	the	the	DET
fsr-3810	10	2	student	student	NOUN
fsr-3810	10	3	reviewers	reviewer	NOUN
fsr-3810	10	4	felt	feel	VERB
fsr-3810	10	5	the	the	DET
fsr-3810	10	6	situations	situation	NOUN
fsr-3810	10	7	portrayed	portray	VERB
fsr-3810	10	8	in	in	ADP
fsr-3810	10	9	these	these	DET
fsr-3810	10	10	boxes	box	NOUN
fsr-3810	10	11	contributed	contribute	VERB
fsr-3810	10	12	greatly	greatly	ADV
fsr-3810	10	13	to	to	ADP
fsr-3810	10	14	their	their	PRON
fsr-3810	10	15	motivation	motivation	NOUN
fsr-3810	10	16	to	to	PART
fsr-3810	10	17	study	study	VERB
fsr-3810	10	18	the	the	DET
fsr-3810	10	19	other	other	ADJ
fsr-3810	10	20	personal	personal	ADJ
fsr-3810	10	21	finance	finance	NOUN
fsr-3810	10	22	content	content	NOUN
fsr-3810	10	23	in	in	ADP
fsr-3810	10	24	the	the	DET
fsr-3810	10	25	text	text	NOUN
fsr-3810	10	26	.	.	PUNCT
fsr-3810	11	1	other	other	ADJ
fsr-3810	11	2	positive	positive	ADJ
fsr-3810	11	3	features	feature	NOUN
fsr-3810	11	4	are	be	AUX
fsr-3810	11	5	the	the	DET
fsr-3810	11	6	updated	update	VERB
fsr-3810	11	7	information	information	NOUN
fsr-3810	11	8	appearing	appear	VERB
fsr-3810	11	9	in	in	ADP
fsr-3810	11	10	the	the	DET
fsr-3810	11	11	"	"	PUNCT
fsr-3810	11	12	smart	smart	ADJ
fsr-3810	11	13	money	money	NOUN
fsr-3810	11	14	"	"	PUNCT
fsr-3810	11	15	and	and	CCONJ
fsr-3810	11	16	"	"	PUNCT
fsr-3810	11	17	issues	issue	NOUN
fsr-3810	11	18	in	in	ADP
fsr-3810	11	19	money	money	NOUN
fsr-3810	11	20	management	management	NOUN
fsr-3810	11	21	"	"	PUNCT
fsr-3810	11	22	boxes	box	NOUN
fsr-3810	11	23	.	.	PUNCT
fsr-3810	12	1	these	these	PRON
fsr-3810	12	2	add	add	VERB
fsr-3810	12	3	current	current	ADJ
fsr-3810	12	4	interest	interest	NOUN
fsr-3810	12	5	and	and	CCONJ
fsr-3810	12	6	are	be	AUX
fsr-3810	12	7	not	not	PART
fsr-3810	12	8	too	too	ADV
fsr-3810	12	9	numerous	numerous	ADJ
fsr-3810	12	10	to	to	PART
fsr-3810	12	11	be	be	AUX
fsr-3810	12	12	disruptive	disruptive	ADJ
fsr-3810	12	13	to	to	ADP
fsr-3810	12	14	the	the	DET
fsr-3810	12	15	reader	reader	NOUN
fsr-3810	12	16	.	.	PUNCT
fsr-3810	13	1	the	the	DET
fsr-3810	13	2	streamlined	streamlined	ADJ
fsr-3810	13	3	"	"	PUNCT
fsr-3810	13	4	getting	get	VERB
fsr-3810	13	5	a	a	DET
fsr-3810	13	6	handle	handle	NOUN
fsr-3810	13	7	on	on	ADP
fsr-3810	13	8	your	your	PRON
fsr-3810	13	9	financial	financial	ADJ
fsr-3810	13	10	future	future	NOUN
fsr-3810	13	11	"	"	PUNCT
fsr-3810	13	12	and	and	CCONJ
fsr-3810	13	13	the	the	DET
fsr-3810	13	14	integrative	integrative	ADJ
fsr-3810	13	15	case	case	NOUN
fsr-3810	13	16	study	study	NOUN
fsr-3810	13	17	that	that	PRON
fsr-3810	13	18	appear	appear	VERB
fsr-3810	13	19	at	at	ADP
fsr-3810	13	20	chapter	chapter	NOUN
fsr-3810	13	21	ends	end	NOUN
fsr-3810	13	22	are	be	AUX
fsr-3810	13	23	also	also	ADV
fsr-3810	13	24	realistic	realistic	ADJ
fsr-3810	13	25	application	application	NOUN
fsr-3810	13	26	-	-	PUNCT
fsr-3810	13	27	level	level	NOUN
fsr-3810	13	28	extensions	extension	NOUN
fsr-3810	13	29	of	of	ADP
fsr-3810	13	30	the	the	DET
fsr-3810	13	31	subject	subject	NOUN
fsr-3810	13	32	matter	matter	NOUN
fsr-3810	13	33	.	.	PUNCT
fsr-3810	14	1	a	a	DET
fsr-3810	14	2	very	very	ADV
fsr-3810	14	3	worthwhile	worthwhile	ADJ
fsr-3810	14	4	change	change	NOUN
fsr-3810	14	5	is	be	AUX
fsr-3810	14	6	the	the	DET
fsr-3810	14	7	interactivity	interactivity	NOUN
fsr-3810	14	8	introduced	introduce	VERB
fsr-3810	14	9	within	within	ADP
fsr-3810	14	10	chapters	chapter	NOUN
fsr-3810	14	11	by	by	ADP
fsr-3810	14	12	the	the	DET
fsr-3810	14	13	"	"	PUNCT
fsr-3810	14	14	concept	concept	NOUN
fsr-3810	14	15	check	check	NOUN
fsr-3810	14	16	"	"	PUNCT
fsr-3810	14	17	questions	question	NOUN
fsr-3810	14	18	.	.	PUNCT
fsr-3810	15	1	given	give	VERB
fsr-3810	15	2	the	the	DET
fsr-3810	15	3	proclivity	proclivity	NOUN
fsr-3810	15	4	of	of	ADP
fsr-3810	15	5	undergraduates	undergraduate	NOUN
fsr-3810	15	6	to	to	PART
fsr-3810	15	7	skip	skip	VERB
fsr-3810	15	8	over	over	ADP
fsr-3810	15	9	end	end	NOUN
fsr-3810	15	10	-	-	PUNCT
fsr-3810	15	11	of	of	ADP
fsr-3810	15	12	-	-	PUNCT
fsr-3810	15	13	chapter	chapter	NOUN
fsr-3810	15	14	review	review	NOUN
fsr-3810	15	15	questions	question	NOUN
fsr-3810	15	16	,	,	PUNCT
fsr-3810	15	17	this	this	DET
fsr-3810	15	18	addition	addition	NOUN
fsr-3810	15	19	should	should	AUX
fsr-3810	15	20	facilitate	facilitate	VERB
fsr-3810	15	21	greater	great	ADJ
fsr-3810	15	22	student	student	NOUN
fsr-3810	15	23	involvement	involvement	NOUN
fsr-3810	15	24	and	and	CCONJ
fsr-3810	15	25	learning	learning	NOUN
fsr-3810	15	26	.	.	PUNCT
fsr-3810	16	1	part	part	NOUN
fsr-3810	16	2	1	1	NUM
fsr-3810	16	3	,	,	PUNCT
fsr-3810	16	4	"	"	PUNCT
fsr-3810	16	5	foundations	foundation	NOUN
fsr-3810	16	6	in	in	ADP
fsr-3810	16	7	financial	financial	ADJ
fsr-3810	16	8	planning	planning	NOUN
fsr-3810	16	9	,	,	PUNCT
fsr-3810	16	10	"	"	PUNCT
fsr-3810	16	11	includes	include	VERB
fsr-3810	16	12	new	new	ADJ
fsr-3810	16	13	information	information	NOUN
fsr-3810	16	14	on	on	ADP
fsr-3810	16	15	career	career	NOUN
fsr-3810	16	16	plan	plan	NOUN
fsr-3810	16	17	ning	ning	NOUN
fsr-3810	16	18	,	,	PUNCT
fsr-3810	16	19	employee	employee	NOUN
fsr-3810	16	20	benefits	benefit	NOUN
fsr-3810	16	21	,	,	PUNCT
fsr-3810	16	22	and	and	CCONJ
fsr-3810	16	23	record	record	NOUN
fsr-3810	16	24	-	-	PUNCT
fsr-3810	16	25	keeping	keeping	NOUN
fsr-3810	16	26	.	.	PUNCT
fsr-3810	17	1	although	although	SCONJ
fsr-3810	17	2	additions	addition	NOUN
fsr-3810	17	3	have	have	AUX
fsr-3810	17	4	been	be	AUX
fsr-3810	17	5	made	make	VERB
fsr-3810	17	6	to	to	ADP
fsr-3810	17	7	the	the	DET
fsr-3810	17	8	section	section	NOUN
fsr-3810	17	9	on	on	ADP
fsr-3810	17	10	psychology	psychology	NOUN
fsr-3810	17	11	and	and	CCONJ
fsr-3810	17	12	money	money	NOUN
fsr-3810	17	13	,	,	PUNCT
fsr-3810	17	14	there	there	PRON
fsr-3810	17	15	is	be	VERB
fsr-3810	17	16	still	still	ADV
fsr-3810	17	17	a	a	DET
fsr-3810	17	18	need	need	NOUN
fsr-3810	17	19	for	for	ADP
fsr-3810	17	20	greater	great	ADJ
fsr-3810	17	21	depth	depth	NOUN
fsr-3810	17	22	of	of	ADP
fsr-3810	17	23	this	this	DET
fsr-3810	17	24	topic	topic	NOUN
fsr-3810	17	25	,	,	PUNCT
fsr-3810	17	26	as	as	ADV
fsr-3810	17	27	well	well	ADV
fsr-3810	17	28	as	as	ADP
fsr-3810	17	29	on	on	ADP
fsr-3810	17	30	the	the	DET
fsr-3810	17	31	interpersonal	interpersonal	ADJ
fsr-3810	17	32	/	/	SYM
fsr-3810	17	33	communication	communication	NOUN
fsr-3810	17	34	aspects	aspect	NOUN
fsr-3810	17	35	of	of	ADP
fsr-3810	17	36	family	family	NOUN
fsr-3810	17	37	financial	financial	ADJ
fsr-3810	17	38	management	management	NOUN
fsr-3810	17	39	.	.	PUNCT
fsr-3810	18	1	combin	combin	ADP
fsr-3810	18	2	ing	ing	ADJ
fsr-3810	18	3	chapters	chapter	NOUN
fsr-3810	18	4	2	2	NUM
fsr-3810	18	5	and	and	CCONJ
fsr-3810	18	6	3	3	NUM
fsr-3810	18	7	from	from	ADP
fsr-3810	18	8	the	the	DET
fsr-3810	18	9	former	former	ADJ
fsr-3810	18	10	edition	edition	NOUN
fsr-3810	18	11	into	into	ADP
fsr-3810	18	12	a	a	DET
fsr-3810	18	13	single	single	ADJ
fsr-3810	18	14	chapter	chapter	NOUN
fsr-3810	18	15	,	,	PUNCT
fsr-3810	18	16	"	"	PUNCT
fsr-3810	18	17	your	your	PRON
fsr-3810	18	18	financial	financial	ADJ
fsr-3810	18	19	state	state	NOUN
fsr-3810	18	20	ments	ment	NOUN
fsr-3810	18	21	and	and	CCONJ
fsr-3810	18	22	plans	plan	NOUN
fsr-3810	18	23	,	,	PUNCT
fsr-3810	18	24	"	"	PUNCT
fsr-3810	18	25	works	work	VERB
fsr-3810	18	26	well	well	ADV
fsr-3810	18	27	since	since	SCONJ
fsr-3810	18	28	this	this	PRON
fsr-3810	18	29	allows	allow	VERB
fsr-3810	18	30	planning	planning	NOUN
fsr-3810	18	31	concepts	concept	NOUN
fsr-3810	18	32	to	to	PART
fsr-3810	18	33	be	be	AUX
fsr-3810	18	34	discussed	discuss	VERB
fsr-3810	18	35	before	before	SCONJ
fsr-3810	18	36	specific	specific	ADJ
fsr-3810	18	37	financial	financial	ADJ
fsr-3810	18	38	statements	statement	NOUN
fsr-3810	18	39	are	be	AUX
fsr-3810	18	40	introduced	introduce	VERB
fsr-3810	18	41	.	.	PUNCT
fsr-3810	19	1	one	one	NUM
fsr-3810	19	2	short	short	ADV
fsr-3810	19	3	-	-	PUNCT
fsr-3810	19	4	coming	coming	NOUN
fsr-3810	19	5	of	of	ADP
fsr-3810	19	6	the	the	DET
fsr-3810	19	7	new	new	ADJ
fsr-3810	19	8	chapter	chapter	NOUN
fsr-3810	19	9	is	be	AUX
fsr-3810	19	10	the	the	DET
fsr-3810	19	11	disconnect	disconnect	NOUN
fsr-3810	19	12	that	that	PRON
fsr-3810	19	13	occurs	occur	VERB
fsr-3810	19	14	between	between	ADP
fsr-3810	19	15	forming	form	VERB
fsr-3810	19	16	goals	goal	NOUN
fsr-3810	19	17	and	and	CCONJ
fsr-3810	19	18	making	make	VERB
fsr-3810	19	19	them	they	PRON
fsr-3810	19	20	operational	operational	ADJ
fsr-3810	19	21	via	via	ADP
fsr-3810	19	22	time	time	NOUN
fsr-3810	19	23	value	value	NOUN
fsr-3810	19	24	calculations	calculation	NOUN
fsr-3810	19	25	.	.	PUNCT
fsr-3810	20	1	following	follow	VERB
fsr-3810	20	2	the	the	DET
fsr-3810	20	3	presentation	presentation	NOUN
fsr-3810	20	4	of	of	ADP
fsr-3810	20	5	time	time	NOUN
fsr-3810	20	6	value	value	NOUN
fsr-3810	20	7	problems	problem	NOUN
fsr-3810	20	8	,	,	PUNCT
fsr-3810	20	9	these	these	DET
fsr-3810	20	10	concepts	concept	NOUN
fsr-3810	20	11	are	be	AUX
fsr-3810	20	12	not	not	PART
fsr-3810	20	13	uti	uti	PROPN
fsr-3810	20	14	70	70	NUM
fsr-3810	20	15	financial	financial	PROPN
fsr-3810	20	16	services	service	NOUN
fsr-3810	20	17	review	review	VERB
fsr-3810	20	18	6(i	6(i	NUM
fsr-3810	20	19	)	)	PUNCT
fsr-3810	20	20	1997	1997	NUM
fsr-3810	20	21	lized	lize	VERB
fsr-3810	20	22	for	for	ADP
fsr-3810	20	23	establishing	establish	VERB
fsr-3810	20	24	the	the	DET
fsr-3810	20	25	$	$	SYM
fsr-3810	20	26	4,500	4,500	NUM
fsr-3810	20	27	amount	amount	NOUN
fsr-3810	20	28	included	include	VERB
fsr-3810	20	29	for	for	ADP
fsr-3810	20	30	savings	saving	NOUN
fsr-3810	20	31	and	and	CCONJ
fsr-3810	20	32	investments	investment	NOUN
fsr-3810	20	33	in	in	ADP
fsr-3810	20	34	the	the	DET
fsr-3810	20	35	weaver	weaver	NOUN
fsr-3810	20	36	's	's	PART
fsr-3810	20	37	budget	budget	NOUN
fsr-3810	20	38	on	on	ADP
fsr-3810	20	39	page	page	NOUN
fsr-3810	20	40	84	84	NUM
fsr-3810	20	41	.	.	PUNCT
fsr-3810	21	1	this	this	PRON
fsr-3810	21	2	is	be	AUX
fsr-3810	21	3	unfortunate	unfortunate	ADJ
fsr-3810	21	4	since	since	SCONJ
fsr-3810	21	5	this	this	DET
fsr-3810	21	6	example	example	NOUN
fsr-3810	21	7	provides	provide	VERB
fsr-3810	21	8	an	an	DET
fsr-3810	21	9	excellent	excellent	ADJ
fsr-3810	21	10	opportunity	opportunity	NOUN
fsr-3810	21	11	to	to	PART
fsr-3810	21	12	show	show	VERB
fsr-3810	21	13	how	how	SCONJ
fsr-3810	21	14	the	the	DET
fsr-3810	21	15	time	time	NOUN
fsr-3810	21	16	value	value	NOUN
fsr-3810	21	17	calculations	calculation	NOUN
fsr-3810	21	18	can	can	AUX
fsr-3810	21	19	be	be	AUX
fsr-3810	21	20	used	use	VERB
fsr-3810	21	21	to	to	PART
fsr-3810	21	22	develop	develop	VERB
fsr-3810	21	23	budget	budget	NOUN
fsr-3810	21	24	esti	esti	PROPN
fsr-3810	21	25	mates	mates	PROPN
fsr-3810	21	26	.	.	PUNCT
fsr-3810	22	1	the	the	DET
fsr-3810	22	2	recommendation	recommendation	NOUN
fsr-3810	22	3	to	to	PART
fsr-3810	22	4	start	start	VERB
fsr-3810	22	5	the	the	DET
fsr-3810	22	6	budgeting	budgeting	NOUN
fsr-3810	22	7	process	process	NOUN
fsr-3810	22	8	with	with	ADP
fsr-3810	22	9	take	take	NOUN
fsr-3810	22	10	-	-	PUNCT
fsr-3810	22	11	home	home	NOUN
fsr-3810	22	12	rather	rather	ADV
fsr-3810	22	13	than	than	ADP
fsr-3810	22	14	gross	gross	ADJ
fsr-3810	22	15	pay	pay	NOUN
fsr-3810	22	16	limits	limit	VERB
fsr-3810	22	17	individuals	individual	NOUN
fsr-3810	22	18	from	from	ADP
fsr-3810	22	19	seeing	see	VERB
fsr-3810	22	20	their	their	PRON
fsr-3810	22	21	entire	entire	ADJ
fsr-3810	22	22	financial	financial	ADJ
fsr-3810	22	23	picture	picture	NOUN
fsr-3810	22	24	and	and	CCONJ
fsr-3810	22	25	assumes	assume	VERB
fsr-3810	22	26	that	that	SCONJ
fsr-3810	22	27	withholdings	withholding	NOUN
fsr-3810	22	28	accurately	accurately	ADV
fsr-3810	22	29	match	match	VERB
fsr-3810	22	30	taxes	taxis	NOUN
fsr-3810	22	31	owed	owe	VERB
fsr-3810	22	32	,	,	PUNCT
fsr-3810	22	33	which	which	PRON
fsr-3810	22	34	is	be	AUX
fsr-3810	22	35	often	often	ADV
fsr-3810	22	36	not	not	PART
fsr-3810	22	37	the	the	DET
fsr-3810	22	38	case	case	NOUN
fsr-3810	22	39	.	.	PUNCT
fsr-3810	23	1	although	although	SCONJ
fsr-3810	23	2	the	the	DET
fsr-3810	23	3	tax	tax	NOUN
fsr-3810	23	4	chapter	chapter	NOUN
fsr-3810	23	5	is	be	AUX
fsr-3810	23	6	now	now	ADV
fsr-3810	23	7	better	well	ADV
fsr-3810	23	8	organized	organize	VERB
fsr-3810	23	9	,	,	PUNCT
fsr-3810	23	10	a	a	DET
fsr-3810	23	11	more	more	ADV
fsr-3810	23	12	detailed	detailed	ADJ
fsr-3810	23	13	explanation	explanation	NOUN
fsr-3810	23	14	is	be	AUX
fsr-3810	23	15	greatly	greatly	ADV
fsr-3810	23	16	needed	need	VERB
fsr-3810	23	17	about	about	ADP
fsr-3810	23	18	flex	flex	ADJ
fsr-3810	23	19	ible	ible	ADJ
fsr-3810	23	20	spending	spending	NOUN
fsr-3810	23	21	accounts	account	NOUN
fsr-3810	23	22	than	than	ADP
fsr-3810	23	23	the	the	DET
fsr-3810	23	24	brief	brief	ADJ
fsr-3810	23	25	one	one	NOUN
fsr-3810	23	26	presented	present	VERB
fsr-3810	23	27	in	in	ADP
fsr-3810	23	28	the	the	DET
fsr-3810	23	29	"	"	PUNCT
fsr-3810	23	30	smart	smart	ADJ
fsr-3810	23	31	money	money	NOUN
fsr-3810	23	32	"	"	PUNCT
fsr-3810	23	33	box	box	NOUN
fsr-3810	23	34	on	on	ADP
fsr-3810	23	35	page	page	NOUN
fsr-3810	23	36	129	129	NUM
fsr-3810	23	37	.	.	PUNCT
fsr-3810	24	1	this	this	PRON
fsr-3810	24	2	is	be	AUX
fsr-3810	24	3	particularly	particularly	ADV
fsr-3810	24	4	true	true	ADJ
fsr-3810	24	5	since	since	SCONJ
fsr-3810	24	6	these	these	DET
fsr-3810	24	7	accounts	account	NOUN
fsr-3810	24	8	are	be	AUX
fsr-3810	24	9	recommended	recommend	VERB
fsr-3810	24	10	for	for	SCONJ
fsr-3810	24	11	those	those	PRON
fsr-3810	24	12	"	"	PUNCT
fsr-3810	24	13	'	'	AUX
fsr-3810	24	14	just	just	ADV
fsr-3810	24	15	starting	start	VERB
fsr-3810	24	16	out	out	ADP
fsr-3810	24	17	"	"	PUNCT
fsr-3810	24	18	and	and	CCONJ
fsr-3810	24	19	'	'	PUNCT
fsr-3810	24	20	%	%	INTJ
fsr-3810	24	21	hirty	hirty	NOUN
fsr-3810	24	22	-	-	PUNCT
fsr-3810	24	23	something	something	PRON
fsr-3810	24	24	"	"	PUNCT
fsr-3810	24	25	on	on	ADP
fsr-3810	24	26	page	page	NOUN
fsr-3810	24	27	137	137	NUM
fsr-3810	24	28	.	.	PUNCT
fsr-3810	25	1	there	there	PRON
fsr-3810	25	2	is	be	VERB
fsr-3810	25	3	also	also	ADV
fsr-3810	25	4	a	a	DET
fsr-3810	25	5	need	need	NOUN
fsr-3810	25	6	for	for	ADP
fsr-3810	25	7	more	more	ADJ
fsr-3810	25	8	information	information	NOUN
fsr-3810	25	9	about	about	ADP
fsr-3810	25	10	taxes	taxis	NOUN
fsr-3810	25	11	on	on	ADP
fsr-3810	25	12	self	self	NOUN
fsr-3810	25	13	employment	employment	NOUN
fsr-3810	25	14	income	income	NOUN
fsr-3810	25	15	since	since	SCONJ
fsr-3810	25	16	so	so	ADV
fsr-3810	25	17	many	many	ADJ
fsr-3810	25	18	young	young	ADJ
fsr-3810	25	19	people	people	NOUN
fsr-3810	25	20	are	be	AUX
fsr-3810	25	21	entrepreneurs	entrepreneur	NOUN
fsr-3810	25	22	today	today	NOUN
fsr-3810	25	23	,	,	PUNCT
fsr-3810	25	24	not	not	PART
fsr-3810	25	25	to	to	PART
fsr-3810	25	26	mention	mention	VERB
fsr-3810	25	27	students	student	NOUN
fsr-3810	25	28	who	who	PRON
fsr-3810	25	29	unknowingly	unknowingly	ADV
fsr-3810	25	30	hire	hire	VERB
fsr-3810	25	31	on	on	ADP
fsr-3810	25	32	as	as	ADP
fsr-3810	25	33	"	"	PUNCT
fsr-3810	25	34	contract	contract	NOUN
fsr-3810	25	35	laborers	laborer	NOUN
fsr-3810	25	36	.	.	PUNCT
fsr-3810	25	37	"	"	PUNCT
fsr-3810	26	1	the	the	DET
fsr-3810	26	2	truth	truth	NOUN
fsr-3810	26	3	-	-	PUNCT
fsr-3810	26	4	in	in	ADP
fsr-3810	26	5	-	-	PUNCT
fsr-3810	26	6	savings	saving	NOUN
fsr-3810	26	7	regulations	regulation	NOUN
fsr-3810	26	8	description	description	NOUN
fsr-3810	26	9	on	on	ADP
fsr-3810	26	10	part	part	NOUN
fsr-3810	26	11	2	2	NUM
fsr-3810	26	12	,	,	PUNCT
fsr-3810	26	13	"	"	PUNCT
fsr-3810	26	14	managing	manage	VERB
fsr-3810	26	15	basic	basic	ADJ
fsr-3810	26	16	assets	asset	NOUN
fsr-3810	26	17	,	,	PUNCT
fsr-3810	26	18	"	"	PUNCT
fsr-3810	26	19	is	be	AUX
fsr-3810	26	20	most	most	ADV
fsr-3810	26	21	welcome	welcome	ADJ
fsr-3810	26	22	;	;	PUNCT
fsr-3810	26	23	however	however	ADV
fsr-3810	26	24	,	,	PUNCT
fsr-3810	26	25	their	their	PRON
fsr-3810	26	26	limitations	limitation	NOUN
fsr-3810	26	27	need	need	VERB
fsr-3810	26	28	to	to	PART
fsr-3810	26	29	be	be	AUX
fsr-3810	26	30	addressed	address	VERB
fsr-3810	26	31	,	,	PUNCT
fsr-3810	26	32	especially	especially	ADV
fsr-3810	26	33	the	the	DET
fsr-3810	26	34	exemption	exemption	NOUN
fsr-3810	26	35	of	of	ADP
fsr-3810	26	36	brokerage	brokerage	NOUN
fsr-3810	26	37	firms	firm	NOUN
fsr-3810	26	38	in	in	ADP
fsr-3810	26	39	required	require	VERB
fsr-3810	26	40	disclosure	disclosure	NOUN
fsr-3810	26	41	of	of	ADP
fsr-3810	26	42	the	the	DET
fsr-3810	26	43	annual	annual	ADJ
fsr-3810	26	44	percentage	percentage	NOUN
fsr-3810	26	45	yield	yield	NOUN
fsr-3810	26	46	.	.	PUNCT
fsr-3810	27	1	the	the	DET
fsr-3810	27	2	inclusion	inclusion	NOUN
fsr-3810	27	3	of	of	ADP
fsr-3810	27	4	rent	rent	NOUN
fsr-3810	27	5	-	-	PUNCT
fsr-3810	27	6	or	or	CCONJ
fsr-3810	27	7	-	-	PUNCT
fsr-3810	27	8	own	own	ADJ
fsr-3810	27	9	and	and	CCONJ
fsr-3810	27	10	lease	lease	NOUN
fsr-3810	27	11	-	-	PUNCT
fsr-3810	27	12	or	or	CCONJ
fsr-3810	27	13	-	-	PUNCT
fsr-3810	27	14	own	own	ADJ
fsr-3810	27	15	information	information	NOUN
fsr-3810	27	16	in	in	ADP
fsr-3810	27	17	the	the	DET
fsr-3810	27	18	housing	housing	NOUN
fsr-3810	27	19	and	and	CCONJ
fsr-3810	27	20	automobile	automobile	NOUN
fsr-3810	27	21	chapter	chapter	NOUN
fsr-3810	27	22	is	be	AUX
fsr-3810	27	23	useful	useful	ADJ
fsr-3810	27	24	.	.	PUNCT
fsr-3810	28	1	although	although	SCONJ
fsr-3810	28	2	the	the	DET
fsr-3810	28	3	organization	organization	NOUN
fsr-3810	28	4	of	of	ADP
fsr-3810	28	5	this	this	DET
fsr-3810	28	6	chapter	chapter	NOUN
fsr-3810	28	7	is	be	AUX
fsr-3810	28	8	improved	improve	VERB
fsr-3810	28	9	,	,	PUNCT
fsr-3810	28	10	the	the	DET
fsr-3810	28	11	sections	section	NOUN
fsr-3810	28	12	on	on	ADP
fsr-3810	28	13	home	home	NOUN
fsr-3810	28	14	financing	financing	NOUN
fsr-3810	28	15	and	and	CCONJ
fsr-3810	28	16	rental	rental	ADJ
fsr-3810	28	17	options	option	NOUN
fsr-3810	28	18	appear	appear	VERB
fsr-3810	28	19	later	later	ADV
fsr-3810	28	20	in	in	ADP
fsr-3810	28	21	the	the	DET
fsr-3810	28	22	chapter	chapter	NOUN
fsr-3810	28	23	than	than	SCONJ
fsr-3810	28	24	is	be	AUX
fsr-3810	28	25	logical	logical	ADJ
fsr-3810	28	26	.	.	PUNCT
fsr-3810	29	1	part	part	NOUN
fsr-3810	29	2	3	3	NUM
fsr-3810	29	3	,	,	PUNCT
fsr-3810	29	4	"	"	PUNCT
fsr-3810	29	5	'	'	PUNCT
fsr-3810	29	6	managing	manage	VERB
fsr-3810	29	7	credit	credit	NOUN
fsr-3810	29	8	,	,	PUNCT
fsr-3810	29	9	"	"	PUNCT
fsr-3810	29	10	includes	include	VERB
fsr-3810	29	11	rebate	rebate	NOUN
fsr-3810	29	12	and	and	CCONJ
fsr-3810	29	13	prepaid	prepaid	ADJ
fsr-3810	29	14	features	feature	NOUN
fsr-3810	29	15	on	on	ADP
fsr-3810	29	16	credit	credit	NOUN
fsr-3810	29	17	cards	card	NOUN
fsr-3810	29	18	,	,	PUNCT
fsr-3810	29	19	as	as	ADV
fsr-3810	29	20	well	well	ADV
fsr-3810	29	21	as	as	ADP
fsr-3810	29	22	updated	update	VERB
fsr-3810	29	23	information	information	NOUN
fsr-3810	29	24	on	on	ADP
fsr-3810	29	25	stu	stu	PROPN
fsr-3810	29	26	dent	dent	NOUN
fsr-3810	29	27	loan	loan	NOUN
fsr-3810	29	28	and	and	CCONJ
fsr-3810	29	29	credit	credit	NOUN
fsr-3810	29	30	fraud	fraud	NOUN
fsr-3810	29	31	.	.	PUNCT
fsr-3810	30	1	efforts	effort	NOUN
fsr-3810	30	2	to	to	PART
fsr-3810	30	3	tighten	tighten	VERB
fsr-3810	30	4	up	up	ADP
fsr-3810	30	5	the	the	DET
fsr-3810	30	6	two	two	NUM
fsr-3810	30	7	credit	credit	NOUN
fsr-3810	30	8	chapters	chapter	NOUN
fsr-3810	30	9	are	be	AUX
fsr-3810	30	10	appreciated	appreciate	VERB
fsr-3810	30	11	;	;	PUNCT
fsr-3810	30	12	however	however	ADV
fsr-3810	30	13	,	,	PUNCT
fsr-3810	30	14	detailed	detailed	ADJ
fsr-3810	30	15	annual	annual	ADJ
fsr-3810	30	16	percentage	percentage	NOUN
fsr-3810	30	17	rate	rate	NOUN
fsr-3810	30	18	formulas	formula	NOUN
fsr-3810	30	19	and	and	CCONJ
fsr-3810	30	20	calculations	calculation	NOUN
fsr-3810	30	21	might	might	AUX
fsr-3810	30	22	be	be	AUX
fsr-3810	30	23	better	well	ADV
fsr-3810	30	24	suited	suit	VERB
fsr-3810	30	25	for	for	ADP
fsr-3810	30	26	an	an	DET
fsr-3810	30	27	appendix	appendix	NOUN
fsr-3810	30	28	.	.	PUNCT
fsr-3810	31	1	part	part	NOUN
fsr-3810	31	2	4	4	NUM
fsr-3810	31	3	,	,	PUNCT
fsr-3810	31	4	"	"	PUNCT
fsr-3810	31	5	'	'	PUNCT
fsr-3810	31	6	managing	manage	VERB
fsr-3810	31	7	insurance	insurance	NOUN
fsr-3810	31	8	needs	need	NOUN
fsr-3810	31	9	,	,	PUNCT
fsr-3810	31	10	"	"	PUNCT
fsr-3810	31	11	includes	include	VERB
fsr-3810	31	12	good	good	ADJ
fsr-3810	31	13	comparative	comparative	ADJ
fsr-3810	31	14	cost	cost	NOUN
fsr-3810	31	15	data	datum	NOUN
fsr-3810	31	16	for	for	ADP
fsr-3810	31	17	various	various	ADJ
fsr-3810	31	18	types	type	NOUN
fsr-3810	31	19	of	of	ADP
fsr-3810	31	20	policies	policy	NOUN
fsr-3810	31	21	.	.	PUNCT
fsr-3810	32	1	the	the	DET
fsr-3810	32	2	comprehensive	comprehensive	ADJ
fsr-3810	32	3	attention	attention	NOUN
fsr-3810	32	4	to	to	ADP
fsr-3810	32	5	managed	manage	VERB
fsr-3810	32	6	health	health	NOUN
fsr-3810	32	7	care	care	NOUN
fsr-3810	32	8	plans	plan	NOUN
fsr-3810	32	9	is	be	AUX
fsr-3810	32	10	most	most	ADV
fsr-3810	32	11	rele	rele	PROPN
fsr-3810	32	12	vant	vant	NOUN
fsr-3810	32	13	given	give	VERB
fsr-3810	32	14	their	their	PRON
fsr-3810	32	15	market	market	NOUN
fsr-3810	32	16	prevalence	prevalence	NOUN
fsr-3810	32	17	and	and	CCONJ
fsr-3810	32	18	rapid	rapid	ADJ
fsr-3810	32	19	growth	growth	NOUN
fsr-3810	32	20	.	.	PUNCT
fsr-3810	33	1	the	the	DET
fsr-3810	33	2	long	long	ADJ
fsr-3810	33	3	-	-	PUNCT
fsr-3810	33	4	term	term	NOUN
fsr-3810	33	5	care	care	NOUN
fsr-3810	33	6	insurance	insurance	NOUN
fsr-3810	33	7	discus	discus	NOUN
fsr-3810	33	8	sion	sion	NOUN
fsr-3810	33	9	is	be	AUX
fsr-3810	33	10	quite	quite	ADV
fsr-3810	33	11	comprehensive	comprehensive	ADJ
fsr-3810	33	12	,	,	PUNCT
fsr-3810	33	13	but	but	CCONJ
fsr-3810	33	14	it	it	PRON
fsr-3810	33	15	may	may	AUX
fsr-3810	33	16	not	not	PART
fsr-3810	33	17	grab	grab	VERB
fsr-3810	33	18	the	the	DET
fsr-3810	33	19	attention	attention	NOUN
fsr-3810	33	20	of	of	ADP
fsr-3810	33	21	young	young	ADJ
fsr-3810	33	22	students	student	NOUN
fsr-3810	33	23	as	as	ADV
fsr-3810	33	24	much	much	ADV
fsr-3810	33	25	as	as	ADP
fsr-3810	33	26	more	more	ADV
fsr-3810	33	27	mature	mature	ADJ
fsr-3810	33	28	ones	one	NOUN
fsr-3810	33	29	.	.	PUNCT
fsr-3810	34	1	wording	word	VERB
fsr-3810	34	2	utilized	utilize	VERB
fsr-3810	34	3	in	in	ADP
fsr-3810	34	4	this	this	DET
fsr-3810	34	5	section	section	NOUN
fsr-3810	34	6	seems	seem	VERB
fsr-3810	34	7	to	to	PART
fsr-3810	34	8	downplay	downplay	VERB
fsr-3810	34	9	the	the	DET
fsr-3810	34	10	importance	importance	NOUN
fsr-3810	34	11	of	of	ADP
fsr-3810	34	12	disability	disability	NOUN
fsr-3810	34	13	income	income	NOUN
fsr-3810	34	14	insurance	insurance	NOUN
fsr-3810	34	15	which	which	PRON
fsr-3810	34	16	seems	seem	VERB
fsr-3810	34	17	unwise	unwise	ADJ
fsr-3810	34	18	since	since	SCONJ
fsr-3810	34	19	this	this	DET
fsr-3810	34	20	coverage	coverage	NOUN
fsr-3810	34	21	is	be	AUX
fsr-3810	34	22	often	often	ADV
fsr-3810	34	23	overlooked	overlook	VERB
fsr-3810	34	24	by	by	ADP
fsr-3810	34	25	consumers	consumer	NOUN
fsr-3810	34	26	.	.	PUNCT
fsr-3810	35	1	the	the	DET
fsr-3810	35	2	role	role	NOUN
fsr-3810	35	3	of	of	ADP
fsr-3810	35	4	state	state	NOUN
fsr-3810	35	5	regulation	regulation	NOUN
fsr-3810	35	6	in	in	ADP
fsr-3810	35	7	property	property	NOUN
fsr-3810	35	8	insurance	insurance	NOUN
fsr-3810	35	9	should	should	AUX
fsr-3810	35	10	be	be	AUX
fsr-3810	35	11	discussed	discuss	VERB
fsr-3810	35	12	since	since	SCONJ
fsr-3810	35	13	this	this	PRON
fsr-3810	35	14	causes	cause	VERB
fsr-3810	35	15	diversity	diversity	NOUN
fsr-3810	35	16	across	across	ADP
fsr-3810	35	17	the	the	DET
fsr-3810	35	18	country	country	NOUN
fsr-3810	35	19	.	.	PUNCT
fsr-3810	36	1	it	it	PRON
fsr-3810	36	2	might	might	AUX
fsr-3810	36	3	be	be	AUX
fsr-3810	36	4	helpful	helpful	ADJ
fsr-3810	36	5	to	to	PART
fsr-3810	36	6	acknowledge	acknowledge	VERB
fsr-3810	36	7	that	that	SCONJ
fsr-3810	36	8	financial	financial	ADJ
fsr-3810	36	9	plan	plan	NOUN
fsr-3810	36	10	ners	ner	NOUN
fsr-3810	36	11	often	often	ADV
fsr-3810	36	12	use	use	VERB
fsr-3810	36	13	less	less	ADJ
fsr-3810	36	14	conservative	conservative	ADJ
fsr-3810	36	15	assumptions	assumption	NOUN
fsr-3810	36	16	about	about	ADP
fsr-3810	36	17	rates	rate	NOUN
fsr-3810	36	18	of	of	ADP
fsr-3810	36	19	return	return	NOUN
fsr-3810	36	20	and	and	CCONJ
fsr-3810	36	21	inflation	inflation	NOUN
fsr-3810	36	22	than	than	ADP
fsr-3810	36	23	the	the	DET
fsr-3810	36	24	authors	author	NOUN
fsr-3810	36	25	when	when	SCONJ
fsr-3810	36	26	calculating	calculate	VERB
fsr-3810	36	27	life	life	NOUN
fsr-3810	36	28	insurance	insurance	NOUN
fsr-3810	36	29	needs	need	NOUN
fsr-3810	36	30	.	.	PUNCT
fsr-3810	37	1	part	part	NOUN
fsr-3810	37	2	5	5	NUM
fsr-3810	37	3	,	,	PUNCT
fsr-3810	37	4	"	"	PUNCT
fsr-3810	37	5	managing	manage	VERB
fsr-3810	37	6	investments	investment	NOUN
fsr-3810	37	7	,	,	PUNCT
fsr-3810	37	8	"	"	PUNCT
fsr-3810	37	9	presents	present	VERB
fsr-3810	37	10	broadened	broaden	VERB
fsr-3810	37	11	coverage	coverage	NOUN
fsr-3810	37	12	of	of	ADP
fsr-3810	37	13	mid	mid	ADJ
fsr-3810	37	14	-	-	ADJ
fsr-3810	37	15	and	and	CCONJ
fsr-3810	37	16	small	small	ADJ
fsr-3810	37	17	-	-	PUNCT
fsr-3810	37	18	cap	cap	NOUN
fsr-3810	37	19	stock	stock	NOUN
fsr-3810	37	20	groups	group	NOUN
fsr-3810	37	21	as	as	ADV
fsr-3810	37	22	well	well	ADV
fsr-3810	37	23	as	as	ADP
fsr-3810	37	24	detailed	detailed	ADJ
fsr-3810	37	25	information	information	NOUN
fsr-3810	37	26	on	on	ADP
fsr-3810	37	27	brokerage	brokerage	NOUN
fsr-3810	37	28	commission	commission	NOUN
fsr-3810	37	29	and	and	CCONJ
fsr-3810	37	30	transactions	transaction	NOUN
fsr-3810	37	31	pro	pro	ADJ
fsr-3810	37	32	cesses	cesse	NOUN
fsr-3810	37	33	.	.	PUNCT
fsr-3810	38	1	the	the	DET
fsr-3810	38	2	first	first	ADJ
fsr-3810	38	3	chapter	chapter	NOUN
fsr-3810	38	4	describes	describe	VERB
fsr-3810	38	5	stocks	stock	NOUN
fsr-3810	38	6	and	and	CCONJ
fsr-3810	38	7	bonds	bond	NOUN
fsr-3810	38	8	in	in	ADP
fsr-3810	38	9	general	general	ADJ
fsr-3810	38	10	,	,	PUNCT
fsr-3810	38	11	followed	follow	VERB
fsr-3810	38	12	by	by	ADP
fsr-3810	38	13	a	a	DET
fsr-3810	38	14	second	second	ADJ
fsr-3810	38	15	chap	chap	NOUN
fsr-3810	38	16	ter	ter	NOUN
fsr-3810	38	17	on	on	ADP
fsr-3810	38	18	the	the	DET
fsr-3810	38	19	specifics	specific	NOUN
fsr-3810	38	20	of	of	ADP
fsr-3810	38	21	securities	security	NOUN
fsr-3810	38	22	transactions	transaction	NOUN
fsr-3810	38	23	.	.	PUNCT
fsr-3810	39	1	another	another	DET
fsr-3810	39	2	approach	approach	NOUN
fsr-3810	39	3	might	might	AUX
fsr-3810	39	4	be	be	AUX
fsr-3810	39	5	to	to	PART
fsr-3810	39	6	have	have	VERB
fsr-3810	39	7	separate	separate	ADJ
fsr-3810	39	8	chapters	chapter	NOUN
fsr-3810	39	9	for	for	ADP
fsr-3810	39	10	stocks	stock	NOUN
fsr-3810	39	11	and	and	CCONJ
fsr-3810	39	12	for	for	ADP
fsr-3810	39	13	bonds	bond	NOUN
fsr-3810	39	14	with	with	ADP
fsr-3810	39	15	pertinent	pertinent	ADJ
fsr-3810	39	16	information	information	NOUN
fsr-3810	39	17	,	,	PUNCT
fsr-3810	39	18	such	such	ADJ
fsr-3810	39	19	as	as	ADP
fsr-3810	39	20	how	how	SCONJ
fsr-3810	39	21	to	to	PART
fsr-3810	39	22	interpret	interpret	VERB
fsr-3810	39	23	the	the	DET
fsr-3810	39	24	respective	respective	ADJ
fsr-3810	39	25	listings	listing	NOUN
fsr-3810	39	26	,	,	PUNCT
fsr-3810	39	27	incorporated	incorporate	VERB
fsr-3810	39	28	with	with	ADP
fsr-3810	39	29	the	the	DET
fsr-3810	39	30	appropriate	appropriate	ADJ
fsr-3810	39	31	security	security	NOUN
fsr-3810	39	32	types	type	NOUN
fsr-3810	39	33	.	.	PUNCT
fsr-3810	40	1	this	this	PRON
fsr-3810	40	2	would	would	AUX
fsr-3810	40	3	allow	allow	VERB
fsr-3810	40	4	com	com	NOUN
fsr-3810	40	5	missions	mission	NOUN
fsr-3810	40	6	to	to	PART
fsr-3810	40	7	be	be	AUX
fsr-3810	40	8	factored	factor	VERB
fsr-3810	40	9	out	out	ADP
fsr-3810	40	10	when	when	SCONJ
fsr-3810	40	11	rates	rate	NOUN
fsr-3810	40	12	of	of	ADP
fsr-3810	40	13	return	return	NOUN
fsr-3810	40	14	are	be	AUX
fsr-3810	40	15	discussed	discuss	VERB
fsr-3810	40	16	in	in	ADP
fsr-3810	40	17	chapter	chapter	NOUN
fsr-3810	40	18	11	11	NUM
fsr-3810	40	19	.	.	PUNCT
fsr-3810	41	1	the	the	DET
fsr-3810	41	2	consoli	consoli	PROPN
fsr-3810	41	3	dation	dation	NOUN
fsr-3810	41	4	of	of	ADP
fsr-3810	41	5	the	the	DET
fsr-3810	41	6	mutual	mutual	ADJ
fsr-3810	41	7	fund	fund	NOUN
fsr-3810	41	8	chapter	chapter	NOUN
fsr-3810	41	9	allows	allow	VERB
fsr-3810	41	10	a	a	DET
fsr-3810	41	11	much	much	ADV
fsr-3810	41	12	more	more	ADV
fsr-3810	41	13	comprehensive	comprehensive	ADJ
fsr-3810	41	14	approach	approach	NOUN
fsr-3810	41	15	to	to	ADP
fsr-3810	41	16	this	this	DET
fsr-3810	41	17	important	important	ADJ
fsr-3810	41	18	vehicle	vehicle	NOUN
fsr-3810	41	19	,	,	PUNCT
fsr-3810	41	20	especially	especially	ADV
fsr-3810	41	21	with	with	ADP
fsr-3810	41	22	regard	regard	NOUN
fsr-3810	41	23	to	to	ADP
fsr-3810	41	24	the	the	DET
fsr-3810	41	25	various	various	ADJ
fsr-3810	41	26	loads	load	NOUN
fsr-3810	41	27	and	and	CCONJ
fsr-3810	41	28	fees	fee	NOUN
fsr-3810	41	29	charged	charge	VERB
fsr-3810	41	30	to	to	ADP
fsr-3810	41	31	investors	investor	NOUN
fsr-3810	41	32	.	.	PUNCT
fsr-3810	42	1	it	it	PRON
fsr-3810	42	2	would	would	AUX
fsr-3810	42	3	be	be	AUX
fsr-3810	42	4	useful	useful	ADJ
fsr-3810	42	5	to	to	PART
fsr-3810	42	6	mention	mention	VERB
fsr-3810	42	7	the	the	DET
fsr-3810	42	8	tax	tax	NOUN
fsr-3810	42	9	aspects	aspect	NOUN
fsr-3810	42	10	of	of	ADP
fsr-3810	42	11	mutual	mutual	ADJ
fsr-3810	42	12	funds	fund	NOUN
fsr-3810	42	13	in	in	ADP
fsr-3810	42	14	more	more	ADJ
fsr-3810	42	15	detail	detail	NOUN
fsr-3810	42	16	,	,	PUNCT
fsr-3810	42	17	particularly	particularly	ADV
fsr-3810	42	18	the	the	DET
fsr-3810	42	19	lack	lack	NOUN
fsr-3810	42	20	of	of	ADP
fsr-3810	42	21	investor	investor	NOUN
fsr-3810	42	22	control	control	NOUN
fsr-3810	42	23	over	over	ADP
fsr-3810	42	24	capital	capital	NOUN
fsr-3810	42	25	gains	gain	NOUN
fsr-3810	42	26	distributions	distribution	NOUN
fsr-3810	42	27	and	and	CCONJ
fsr-3810	42	28	their	their	PRON
fsr-3810	42	29	taxation	taxation	NOUN
fsr-3810	42	30	.	.	PUNCT
fsr-3810	43	1	the	the	DET
fsr-3810	43	2	omission	omission	NOUN
fsr-3810	43	3	of	of	ADP
fsr-3810	43	4	other	other	ADJ
fsr-3810	43	5	investment	investment	NOUN
fsr-3810	43	6	vehicles	vehicle	NOUN
fsr-3810	43	7	,	,	PUNCT
fsr-3810	43	8	real	real	ADJ
fsr-3810	43	9	estate	estate	NOUN
fsr-3810	43	10	,	,	PUNCT
fsr-3810	43	11	derivative	derivative	NOUN
fsr-3810	43	12	,	,	PUNCT
fsr-3810	43	13	etc	etc	X
fsr-3810	43	14	.	.	X
fsr-3810	43	15	,	,	PUNCT
fsr-3810	43	16	does	do	AUX
fsr-3810	43	17	not	not	PART
fsr-3810	43	18	seem	seem	VERB
fsr-3810	43	19	problematic	problematic	ADJ
fsr-3810	43	20	for	for	ADP
fsr-3810	43	21	an	an	DET
fsr-3810	43	22	introductory	introductory	ADJ
fsr-3810	43	23	personal	personal	ADJ
fsr-3810	43	24	finance	finance	NOUN
fsr-3810	43	25	course	course	NOUN
fsr-3810	43	26	given	give	VERB
fsr-3810	43	27	the	the	DET
fsr-3810	43	28	difficulty	difficulty	NOUN
fsr-3810	43	29	in	in	ADP
fsr-3810	43	30	covering	cover	VERB
fsr-3810	43	31	all	all	DET
fsr-3810	43	32	topics	topic	NOUN
fsr-3810	43	33	in	in	ADP
fsr-3810	43	34	one	one	NUM
fsr-3810	43	35	semes	seme	NOUN
fsr-3810	43	36	ter	ter	NOUN
fsr-3810	43	37	.	.	PUNCT
fsr-3810	44	1	these	these	DET
fsr-3810	44	2	investments	investment	NOUN
fsr-3810	44	3	could	could	AUX
fsr-3810	44	4	be	be	AUX
fsr-3810	44	5	included	include	VERB
fsr-3810	44	6	in	in	ADP
fsr-3810	44	7	an	an	DET
fsr-3810	44	8	appendix	appendix	NOUN
fsr-3810	44	9	for	for	ADP
fsr-3810	44	10	interested	interested	ADJ
fsr-3810	44	11	students	student	NOUN
fsr-3810	44	12	to	to	PART
fsr-3810	44	13	review	review	VERB
fsr-3810	44	14	.	.	PUNCT
fsr-3810	45	1	book	book	NOUN
fsr-3810	45	2	,	,	PUNCT
fsr-3810	45	3	software	software	NOUN
fsr-3810	45	4	,	,	PUNCT
fsr-3810	45	5	and	and	CCONJ
fsr-3810	45	6	web	web	NOUN
fsr-3810	45	7	site	site	NOUN
fsr-3810	45	8	reviews	review	VERB
fsr-3810	45	9	71	71	NUM
fsr-3810	45	10	the	the	DET
fsr-3810	45	11	updated	update	VERB
fsr-3810	45	12	information	information	NOUN
fsr-3810	45	13	on	on	ADP
fsr-3810	45	14	the	the	DET
fsr-3810	45	15	importance	importance	NOUN
fsr-3810	45	16	of	of	ADP
fsr-3810	45	17	living	living	NOUN
fsr-3810	45	18	wills	will	NOUN
fsr-3810	45	19	and	and	CCONJ
fsr-3810	45	20	powers	power	NOUN
fsr-3810	45	21	of	of	ADP
fsr-3810	45	22	attorney	attorney	NOUN
fsr-3810	45	23	in	in	ADP
fsr-3810	45	24	part	part	NOUN
fsr-3810	45	25	6	6	NUM
fsr-3810	45	26	,	,	PUNCT
fsr-3810	45	27	"	"	PUNCT
fsr-3810	45	28	retirement	retirement	NOUN
fsr-3810	45	29	and	and	CCONJ
fsr-3810	45	30	estate	estate	NOUN
fsr-3810	45	31	planning	planning	NOUN
fsr-3810	45	32	,	,	PUNCT
fsr-3810	45	33	"	"	PUNCT
fsr-3810	45	34	is	be	AUX
fsr-3810	45	35	most	most	ADV
fsr-3810	45	36	welcome	welcome	ADJ
fsr-3810	45	37	.	.	PUNCT
fsr-3810	46	1	a	a	DET
fsr-3810	46	2	few	few	ADJ
fsr-3810	46	3	more	more	ADJ
fsr-3810	46	4	examples	example	NOUN
fsr-3810	46	5	of	of	ADP
fsr-3810	46	6	how	how	SCONJ
fsr-3810	46	7	the	the	DET
fsr-3810	46	8	different	different	ADJ
fsr-3810	46	9	trusts	trust	NOUN
fsr-3810	46	10	in	in	ADP
fsr-3810	46	11	exhibit	exhibit	NOUN
fsr-3810	46	12	15.4	15.4	NUM
fsr-3810	46	13	can	can	AUX
fsr-3810	46	14	minimize	minimize	VERB
fsr-3810	46	15	estate	estate	NOUN
fsr-3810	46	16	taxes	taxis	NOUN
fsr-3810	46	17	would	would	AUX
fsr-3810	46	18	be	be	AUX
fsr-3810	46	19	helpful	helpful	ADJ
fsr-3810	46	20	.	.	PUNCT
fsr-3810	47	1	the	the	DET
fsr-3810	47	2	fact	fact	NOUN
fsr-3810	47	3	that	that	SCONJ
fsr-3810	47	4	many	many	ADJ
fsr-3810	47	5	people	people	NOUN
fsr-3810	47	6	die	die	VERB
fsr-3810	47	7	intestate	intestate	NOUN
fsr-3810	47	8	is	be	AUX
fsr-3810	47	9	well	well	ADV
fsr-3810	47	10	-	-	PUNCT
fsr-3810	47	11	covered	cover	VERB
fsr-3810	47	12	in	in	ADP
fsr-3810	47	13	this	this	DET
fsr-3810	47	14	section	section	NOUN
fsr-3810	47	15	;	;	PUNCT
fsr-3810	47	16	however	however	ADV
fsr-3810	47	17	,	,	PUNCT
fsr-3810	47	18	the	the	DET
fsr-3810	47	19	use	use	NOUN
fsr-3810	47	20	of	of	ADP
fsr-3810	47	21	"	"	PUNCT
fsr-3810	47	22	sweetheart	sweetheart	NOUN
fsr-3810	47	23	"	"	PUNCT
fsr-3810	47	24	wills	will	NOUN
fsr-3810	47	25	without	without	ADP
fsr-3810	47	26	appropriate	appropriate	ADJ
fsr-3810	47	27	trusts	trust	NOUN
fsr-3810	47	28	needs	need	VERB
fsr-3810	47	29	to	to	PART
fsr-3810	47	30	be	be	AUX
fsr-3810	47	31	mentioned	mention	VERB
fsr-3810	47	32	.	.	PUNCT
fsr-3810	48	1	the	the	DET
fsr-3810	48	2	ancillaries	ancillarie	NOUN
fsr-3810	48	3	to	to	ADP
fsr-3810	48	4	this	this	DET
fsr-3810	48	5	text	text	NOUN
fsr-3810	48	6	include	include	VERB
fsr-3810	48	7	a	a	DET
fsr-3810	48	8	student	student	NOUN
fsr-3810	48	9	workbook	workbook	NOUN
fsr-3810	48	10	,	,	PUNCT
fsr-3810	48	11	a	a	DET
fsr-3810	48	12	bound	bind	VERB
fsr-3810	48	13	package	package	NOUN
fsr-3810	48	14	of	of	ADP
fsr-3810	48	15	blank	blank	ADJ
fsr-3810	48	16	forms	form	NOUN
fsr-3810	48	17	,	,	PUNCT
fsr-3810	48	18	software	software	NOUN
fsr-3810	48	19	that	that	PRON
fsr-3810	48	20	can	can	AUX
fsr-3810	48	21	be	be	AUX
fsr-3810	48	22	run	run	VERB
fsr-3810	48	23	only	only	ADV
fsr-3810	48	24	on	on	ADP
fsr-3810	48	25	ibm	ibm	PROPN
fsr-3810	48	26	-	-	PUNCT
fsr-3810	48	27	compatible	compatible	ADJ
fsr-3810	48	28	computers	computer	NOUN
fsr-3810	48	29	,	,	PUNCT
fsr-3810	48	30	and	and	CCONJ
fsr-3810	48	31	a	a	DET
fsr-3810	48	32	comprehensive	comprehensive	ADJ
fsr-3810	48	33	instructor	instructor	NOUN
fsr-3810	48	34	's	's	PART
fsr-3810	48	35	manual	manual	NOUN
fsr-3810	48	36	and	and	CCONJ
fsr-3810	48	37	test	test	NOUN
fsr-3810	48	38	bank	bank	NOUN
fsr-3810	48	39	.	.	PUNCT
fsr-3810	49	1	the	the	DET
fsr-3810	49	2	outlines	outline	NOUN
fsr-3810	49	3	in	in	ADP
fsr-3810	49	4	the	the	DET
fsr-3810	49	5	student	student	NOUN
fsr-3810	49	6	workbook	workbook	NOUN
fsr-3810	49	7	are	be	AUX
fsr-3810	49	8	more	more	ADV
fsr-3810	49	9	useful	useful	ADJ
fsr-3810	49	10	than	than	ADP
fsr-3810	49	11	the	the	DET
fsr-3810	49	12	topic	topic	NOUN
fsr-3810	49	13	outlines	outline	NOUN
fsr-3810	49	14	in	in	ADP
fsr-3810	49	15	the	the	DET
fsr-3810	49	16	instructor	instructor	NOUN
fsr-3810	49	17	's	's	PART
fsr-3810	49	18	manual	manual	NOUN
fsr-3810	49	19	.	.	PUNCT
fsr-3810	50	1	helpful	helpful	ADJ
fsr-3810	50	2	case	case	NOUN
fsr-3810	50	3	studies	study	NOUN
fsr-3810	50	4	,	,	PUNCT
fsr-3810	50	5	problems	problem	NOUN
fsr-3810	50	6	,	,	PUNCT
fsr-3810	50	7	and	and	CCONJ
fsr-3810	50	8	vocabulary	vocabulary	ADJ
fsr-3810	50	9	exercises	exercise	NOUN
fsr-3810	50	10	are	be	AUX
fsr-3810	50	11	included	include	VERB
fsr-3810	50	12	in	in	ADP
fsr-3810	50	13	the	the	DET
fsr-3810	50	14	student	student	NOUN
fsr-3810	50	15	workbook	workbook	NOUN
fsr-3810	50	16	;	;	PUNCT
fsr-3810	50	17	however	however	ADV
fsr-3810	50	18	,	,	PUNCT
fsr-3810	50	19	answers	answer	NOUN
fsr-3810	50	20	to	to	ADP
fsr-3810	50	21	the	the	DET
fsr-3810	50	22	"	"	PUNCT
fsr-3810	50	23	'	'	PUNCT
fsr-3810	50	24	con	con	NOUN
fsr-3810	50	25	cept	cept	NOUN
fsr-3810	50	26	check	check	NOUN
fsr-3810	50	27	"	"	PUNCT
fsr-3810	50	28	questions	question	NOUN
fsr-3810	50	29	are	be	AUX
fsr-3810	50	30	unfortunately	unfortunately	ADV
fsr-3810	50	31	not	not	PART
fsr-3810	50	32	included	include	VERB
fsr-3810	50	33	in	in	ADP
fsr-3810	50	34	the	the	DET
fsr-3810	50	35	workbook	workbook	NOUN
fsr-3810	50	36	for	for	ADP
fsr-3810	50	37	the	the	DET
fsr-3810	50	38	students	student	NOUN
fsr-3810	50	39	to	to	ADP
fsr-3810	50	40	self	self	NOUN
fsr-3810	50	41	-	-	PUNCT
fsr-3810	50	42	check	check	NOUN
fsr-3810	50	43	.	.	PUNCT
fsr-3810	51	1	these	these	DET
fsr-3810	51	2	answers	answer	NOUN
fsr-3810	51	3	are	be	AUX
fsr-3810	51	4	included	include	VERB
fsr-3810	51	5	in	in	ADP
fsr-3810	51	6	the	the	DET
fsr-3810	51	7	instructor	instructor	NOUN
fsr-3810	51	8	's	's	PART
fsr-3810	51	9	manual	manual	NOUN
fsr-3810	51	10	along	along	ADP
fsr-3810	51	11	with	with	ADP
fsr-3810	51	12	key	key	ADJ
fsr-3810	51	13	concepts	concept	NOUN
fsr-3810	51	14	,	,	PUNCT
fsr-3810	51	15	supplemental	supplemental	ADJ
fsr-3810	51	16	class	class	NOUN
fsr-3810	51	17	project	project	NOUN
fsr-3810	51	18	ideas	idea	NOUN
fsr-3810	51	19	,	,	PUNCT
fsr-3810	51	20	and	and	CCONJ
fsr-3810	51	21	answers	answer	NOUN
fsr-3810	51	22	to	to	ADP
fsr-3810	51	23	discussion	discussion	NOUN
fsr-3810	51	24	questions	question	NOUN
fsr-3810	51	25	,	,	PUNCT
fsr-3810	51	26	case	case	NOUN
fsr-3810	51	27	problems	problem	NOUN
fsr-3810	51	28	,	,	PUNCT
fsr-3810	51	29	and	and	CCONJ
fsr-3810	51	30	the	the	DET
fsr-3810	51	31	integrative	integrative	ADJ
fsr-3810	51	32	case	case	NOUN
fsr-3810	51	33	study	study	NOUN
fsr-3810	51	34	.	.	PUNCT
fsr-3810	52	1	a	a	DET
fsr-3810	52	2	weakness	weakness	NOUN
fsr-3810	52	3	of	of	ADP
fsr-3810	52	4	the	the	DET
fsr-3810	52	5	instructor	instructor	NOUN
fsr-3810	52	6	's	's	PART
fsr-3810	52	7	manual	manual	NOUN
fsr-3810	52	8	appears	appear	VERB
fsr-3810	52	9	to	to	PART
fsr-3810	52	10	be	be	AUX
fsr-3810	52	11	the	the	DET
fsr-3810	52	12	test	test	NOUN
fsr-3810	52	13	bank	bank	NOUN
fsr-3810	52	14	which	which	PRON
fsr-3810	52	15	offers	offer	VERB
fsr-3810	52	16	objective	objective	ADJ
fsr-3810	52	17	questions	question	NOUN
fsr-3810	52	18	that	that	PRON
fsr-3810	52	19	are	be	AUX
fsr-3810	52	20	generally	generally	ADV
fsr-3810	52	21	less	less	ADV
fsr-3810	52	22	challenging	challenging	ADJ
fsr-3810	52	23	than	than	ADP
fsr-3810	52	24	the	the	DET
fsr-3810	52	25	subject	subject	NOUN
fsr-3810	52	26	matter	matter	NOUN
fsr-3810	52	27	merits	merit	NOUN
fsr-3810	52	28	.	.	PUNCT
fsr-3810	53	1	in	in	ADP
fsr-3810	53	2	conclusion	conclusion	NOUN
fsr-3810	53	3	,	,	PUNCT
fsr-3810	53	4	gitman	gitman	NOUN
fsr-3810	53	5	and	and	CCONJ
fsr-3810	53	6	joehnk	joehnk	PROPN
fsr-3810	53	7	have	have	AUX
fsr-3810	53	8	produced	produce	VERB
fsr-3810	53	9	another	another	DET
fsr-3810	53	10	stellar	stellar	ADJ
fsr-3810	53	11	edition	edition	NOUN
fsr-3810	53	12	of	of	ADP
fsr-3810	53	13	personal	personal	ADJ
fsr-3810	53	14	financial	financial	ADJ
fsr-3810	53	15	planning	planning	NOUN
fsr-3810	53	16	.	.	PUNCT
fsr-3810	54	1	it	it	PRON
fsr-3810	54	2	is	be	AUX
fsr-3810	54	3	evident	evident	ADJ
fsr-3810	54	4	that	that	SCONJ
fsr-3810	54	5	these	these	DET
fsr-3810	54	6	authors	author	NOUN
fsr-3810	54	7	have	have	AUX
fsr-3810	54	8	listened	listen	VERB
fsr-3810	54	9	to	to	ADP
fsr-3810	54	10	the	the	DET
fsr-3810	54	11	suggestions	suggestion	NOUN
fsr-3810	54	12	of	of	ADP
fsr-3810	54	13	their	their	PRON
fsr-3810	54	14	audiences	audience	NOUN
fsr-3810	54	15	and	and	CCONJ
fsr-3810	54	16	incorporated	incorporate	VERB
fsr-3810	54	17	many	many	ADJ
fsr-3810	54	18	positive	positive	ADJ
fsr-3810	54	19	changes	change	NOUN
fsr-3810	54	20	into	into	ADP
fsr-3810	54	21	their	their	PRON
fsr-3810	54	22	seventh	seventh	ADJ
fsr-3810	54	23	edition	edition	NOUN
fsr-3810	54	24	.	.	PUNCT
fsr-3810	55	1	the	the	DET
fsr-3810	55	2	merrill	merrill	PROPN
fsr-3810	55	3	lynch	lynch	PROPN
fsr-3810	55	4	web	web	NOUN
fsr-3810	55	5	site	site	NOUN
fsr-3810	55	6	(	(	PUNCT
fsr-3810	55	7	www.ml.com	www.ml.com	PROPN
fsr-3810	55	8	)	)	PUNCT
fsr-3810	55	9	reviewed	review	VERB
fsr-3810	55	10	by	by	ADP
fsr-3810	55	11	:	:	PUNCT
fsr-3810	55	12	john	john	PROPN
fsr-3810	55	13	grable	grable	PROPN
fsr-3810	55	14	,	,	PUNCT
fsr-3810	55	15	cfp	cfp	PROPN
fsr-3810	55	16	,	,	PUNCT
fsr-3810	55	17	doctoral	doctoral	ADJ
fsr-3810	55	18	student	student	NOUN
fsr-3810	55	19	,	,	PUNCT
fsr-3810	55	20	virginia	virginia	PROPN
fsr-3810	55	21	tech	tech	PROPN
fsr-3810	55	22	internet	internet	NOUN
fsr-3810	55	23	users	user	NOUN
fsr-3810	55	24	face	face	VERB
fsr-3810	55	25	two	two	NUM
fsr-3810	55	26	annoying	annoying	ADJ
fsr-3810	55	27	problems	problem	NOUN
fsr-3810	55	28	when	when	SCONJ
fsr-3810	55	29	using	use	VERB
fsr-3810	55	30	web	web	NOUN
fsr-3810	55	31	sites	site	NOUN
fsr-3810	55	32	sponsored	sponsor	VERB
fsr-3810	55	33	by	by	ADP
fsr-3810	55	34	the	the	DET
fsr-3810	55	35	major	major	ADJ
fsr-3810	55	36	brokerage	brokerage	NOUN
fsr-3810	55	37	firms	firm	NOUN
fsr-3810	55	38	,	,	PUNCT
fsr-3810	55	39	namely	namely	ADV
fsr-3810	55	40	,	,	PUNCT
fsr-3810	55	41	slow	slow	ADJ
fsr-3810	55	42	information	information	NOUN
fsr-3810	55	43	retrieval	retrieval	NOUN
fsr-3810	55	44	and	and	CCONJ
fsr-3810	55	45	advertising	advertising	NOUN
fsr-3810	55	46	overload	overload	NOUN
fsr-3810	55	47	.	.	PUNCT
fsr-3810	56	1	the	the	DET
fsr-3810	56	2	first	first	ADJ
fsr-3810	56	3	problem	problem	NOUN
fsr-3810	56	4	,	,	PUNCT
fsr-3810	56	5	accessing	access	VERB
fsr-3810	56	6	information	information	NOUN
fsr-3810	56	7	quickly	quickly	ADV
fsr-3810	56	8	,	,	PUNCT
fsr-3810	56	9	is	be	AUX
fsr-3810	56	10	directly	directly	ADV
fsr-3810	56	11	related	relate	VERB
fsr-3810	56	12	to	to	ADP
fsr-3810	56	13	the	the	DET
fsr-3810	56	14	user	user	NOUN
fsr-3810	56	15	's	's	PART
fsr-3810	56	16	computer	computer	NOUN
fsr-3810	56	17	capabilities	capability	NOUN
fsr-3810	56	18	and	and	CCONJ
fsr-3810	56	19	inversely	inversely	ADV
fsr-3810	56	20	related	relate	VERB
fsr-3810	56	21	to	to	ADP
fsr-3810	56	22	the	the	DET
fsr-3810	56	23	number	number	NOUN
fsr-3810	56	24	of	of	ADP
fsr-3810	56	25	bells	bell	NOUN
fsr-3810	56	26	,	,	PUNCT
fsr-3810	56	27	whistles	whistle	NOUN
fsr-3810	56	28	,	,	PUNCT
fsr-3810	56	29	and	and	CCONJ
fsr-3810	56	30	graphics	graphic	NOUN
fsr-3810	56	31	the	the	DET
fsr-3810	56	32	web	web	NOUN
fsr-3810	56	33	site	site	NOUN
fsr-3810	56	34	offers	offer	VERB
fsr-3810	56	35	.	.	PUNCT
fsr-3810	57	1	the	the	DET
fsr-3810	57	2	second	second	ADJ
fsr-3810	57	3	problem	problem	NOUN
fsr-3810	57	4	,	,	PUNCT
fsr-3810	57	5	advertising	advertising	NOUN
fsr-3810	57	6	overload	overload	NOUN
fsr-3810	57	7	,	,	PUNCT
fsr-3810	57	8	is	be	AUX
fsr-3810	57	9	becoming	become	VERB
fsr-3810	57	10	so	so	ADV
fsr-3810	57	11	common	common	ADJ
fsr-3810	57	12	that	that	SCONJ
fsr-3810	57	13	users	user	NOUN
fsr-3810	57	14	are	be	AUX
fsr-3810	57	15	forced	force	VERB
fsr-3810	57	16	to	to	PART
fsr-3810	57	17	browse	browse	VERB
fsr-3810	57	18	through	through	ADP
fsr-3810	57	19	product	product	NOUN
fsr-3810	57	20	information	information	NOUN
fsr-3810	57	21	in	in	ADP
fsr-3810	57	22	order	order	NOUN
fsr-3810	57	23	to	to	PART
fsr-3810	57	24	find	find	VERB
fsr-3810	57	25	useful	useful	ADJ
fsr-3810	57	26	data	datum	NOUN
fsr-3810	57	27	.	.	PUNCT
fsr-3810	58	1	many	many	ADJ
fsr-3810	58	2	internet	internet	NOUN
fsr-3810	58	3	users	user	NOUN
fsr-3810	58	4	have	have	AUX
fsr-3810	58	5	concluded	conclude	VERB
fsr-3810	58	6	that	that	SCONJ
fsr-3810	58	7	the	the	DET
fsr-3810	58	8	need	need	NOUN
fsr-3810	58	9	for	for	ADP
fsr-3810	58	10	timely	timely	ADJ
fsr-3810	58	11	and	and	CCONJ
fsr-3810	58	12	accurate	accurate	ADJ
fsr-3810	58	13	information	information	NOUN
fsr-3810	58	14	retrieval	retrieval	NOUN
fsr-3810	58	15	often	often	ADV
fsr-3810	58	16	out	out	ADV
fsr-3810	58	17	weighs	weigh	VERB
fsr-3810	58	18	the	the	DET
fsr-3810	58	19	benefits	benefit	NOUN
fsr-3810	58	20	provided	provide	VERB
fsr-3810	58	21	by	by	ADP
fsr-3810	58	22	fancy	fancy	ADJ
fsr-3810	58	23	graphics	graphic	NOUN
fsr-3810	58	24	and	and	CCONJ
fsr-3810	58	25	excessive	excessive	ADJ
fsr-3810	58	26	advertising	advertising	NOUN
fsr-3810	58	27	.	.	PUNCT
fsr-3810	59	1	after	after	ADP
fsr-3810	59	2	subjecting	subject	VERB
fsr-3810	59	3	several	several	ADJ
fsr-3810	59	4	brokerage	brokerage	NOUN
fsr-3810	59	5	firm	firm	NOUN
fsr-3810	59	6	-	-	PUNCT
fsr-3810	59	7	sponsored	sponsor	VERB
fsr-3810	59	8	web	web	NOUN
fsr-3810	59	9	sites	site	NOUN
fsr-3810	59	10	to	to	ADP
fsr-3810	59	11	extensive	extensive	ADJ
fsr-3810	59	12	review	review	NOUN
fsr-3810	59	13	based	base	VERB
fsr-3810	59	14	on	on	ADP
fsr-3810	59	15	their	their	PRON
fsr-3810	59	16	ease	ease	NOUN
fsr-3810	59	17	of	of	ADP
fsr-3810	59	18	use	use	NOUN
fsr-3810	59	19	,	,	PUNCT
fsr-3810	59	20	speed	speed	NOUN
fsr-3810	59	21	on	on	ADP
fsr-3810	59	22	information	information	NOUN
fsr-3810	59	23	retrieval	retrieval	NOUN
fsr-3810	59	24	,	,	PUNCT
fsr-3810	59	25	breadth	breadth	NOUN
fsr-3810	59	26	of	of	ADP
fsr-3810	59	27	information	information	NOUN
fsr-3810	59	28	provided	provide	VERB
fsr-3810	59	29	,	,	PUNCT
fsr-3810	59	30	and	and	CCONJ
fsr-3810	59	31	usefulness	usefulness	NOUN
fsr-3810	59	32	of	of	ADP
fsr-3810	59	33	data	datum	NOUN
fsr-3810	59	34	to	to	ADP
fsr-3810	59	35	practitioners	practitioner	NOUN
fsr-3810	59	36	,	,	PUNCT
fsr-3810	59	37	researchers	researcher	NOUN
fsr-3810	59	38	,	,	PUNCT
fsr-3810	59	39	investors	investor	NOUN
fsr-3810	59	40	,	,	PUNCT
fsr-3810	59	41	educators	educator	NOUN
fsr-3810	59	42	,	,	PUNCT
fsr-3810	59	43	and	and	CCONJ
fsr-3810	59	44	students	student	NOUN
fsr-3810	59	45	,	,	PUNCT
fsr-3810	59	46	the	the	DET
fsr-3810	59	47	web	web	NOUN
fsr-3810	59	48	site	site	NOUN
fsr-3810	59	49	sponsored	sponsor	VERB
fsr-3810	59	50	by	by	ADP
fsr-3810	59	51	merrill	merrill	PROPN
fsr-3810	59	52	lynch	lynch	PROPN
fsr-3810	59	53	(	(	PUNCT
fsr-3810	59	54	www.ml.com	www.ml.com	PROPN
fsr-3810	59	55	)	)	PUNCT
fsr-3810	59	56	emerged	emerge	VERB
fsr-3810	59	57	as	as	ADP
fsr-3810	59	58	one	one	NUM
fsr-3810	59	59	deserving	deserve	VERB
fsr-3810	59	60	further	further	ADJ
fsr-3810	59	61	review	review	NOUN
fsr-3810	59	62	and	and	CCONJ
fsr-3810	59	63	use	use	NOUN
fsr-3810	59	64	by	by	ADP
fsr-3810	59	65	readers	reader	NOUN
fsr-3810	59	66	of	of	ADP
fsr-3810	59	67	financial	financial	ADJ
fsr-3810	59	68	services	service	NOUN
fsr-3810	59	69	review	review	NOUN
fsr-3810	59	70	.	.	PUNCT
fsr-3810	60	1	the	the	DET
fsr-3810	60	2	merrill	merrill	PROPN
fsr-3810	60	3	lynch	lynch	PROPN
fsr-3810	60	4	home	home	PROPN
fsr-3810	60	5	page	page	NOUN
fsr-3810	60	6	downloads	downloads	AUX
fsr-3810	60	7	very	very	ADV
fsr-3810	60	8	quickly	quickly	ADV
fsr-3810	60	9	offering	offer	VERB
fsr-3810	60	10	users	user	NOUN
fsr-3810	60	11	the	the	DET
fsr-3810	60	12	choice	choice	NOUN
fsr-3810	60	13	of	of	ADP
fsr-3810	60	14	five	five	NUM
fsr-3810	60	15	linking	link	VERB
fsr-3810	60	16	pages	page	NOUN
fsr-3810	60	17	.	.	PUNCT
fsr-3810	61	1	financial	financial	ADJ
fsr-3810	61	2	professionals	professional	NOUN
fsr-3810	61	3	and	and	CCONJ
fsr-3810	61	4	investors	investor	NOUN
fsr-3810	61	5	will	will	AUX
fsr-3810	61	6	find	find	VERB
fsr-3810	61	7	the	the	DET
fsr-3810	61	8	"	"	PUNCT
fsr-3810	61	9	financial	financial	ADJ
fsr-3810	61	10	news	news	NOUN
fsr-3810	61	11	&	&	CCONJ
fsr-3810	61	12	research	research	PROPN
fsr-3810	61	13	"	"	PUNCT
fsr-3810	61	14	ink	ink	NOUN
fsr-3810	61	15	an	an	DET
fsr-3810	61	16	easy	easy	ADJ
fsr-3810	61	17	way	way	NOUN
fsr-3810	61	18	to	to	PART
fsr-3810	61	19	obtain	obtain	VERB
fsr-3810	61	20	stock	stock	NOUN
fsr-3810	61	21	quotes	quote	NOUN
fsr-3810	61	22	(	(	PUNCT
fsr-3810	61	23	provided	provide	VERB
fsr-3810	61	24	on	on	ADP
fsr-3810	61	25	a	a	DET
fsr-3810	61	26	20	20	NUM
fsr-3810	61	27	-	-	PUNCT
fsr-3810	61	28	minute	minute	NOUN
fsr-3810	61	29	delay	delay	NOUN
fsr-3810	61	30	during	during	ADP
fsr-3810	61	31	trading	trading	NOUN
fsr-3810	61	32	hours	hour	NOUN
fsr-3810	61	33	)	)	PUNCT
fsr-3810	61	34	,	,	PUNCT
fsr-3810	61	35	market	market	NOUN
fsr-3810	61	36	updates	update	NOUN
fsr-3810	61	37	,	,	PUNCT
fsr-3810	61	38	research	research	NOUN
fsr-3810	61	39	publications	publication	NOUN
fsr-3810	61	40	,	,	PUNCT
fsr-3810	61	41	and	and	CCONJ
fsr-3810	61	42	legislative	legislative	ADJ
fsr-3810	61	43	updates	update	NOUN
fsr-3810	61	44	.	.	PUNCT
fsr-3810	62	1	the	the	DET
fsr-3810	62	2	ability	ability	NOUN
fsr-3810	62	3	to	to	PART
fsr-3810	62	4	get	get	VERB
fsr-3810	62	5	a	a	DET
fsr-3810	62	6	glimpse	glimpse	NOUN
fsr-3810	62	7	of	of	ADP
fsr-3810	62	8	recent	recent	ADJ
fsr-3810	62	9	research	research	NOUN
fsr-3810	62	10	reports	report	NOUN
fsr-3810	62	11	on	on	ADP
fsr-3810	62	12	topics	topic	NOUN
fsr-3810	62	13	like	like	ADP
fsr-3810	62	14	equities	equity	NOUN
fsr-3810	62	15	,	,	PUNCT
fsr-3810	62	16	fixed	fix	VERB
fsr-3810	62	17	income	income	NOUN
fsr-3810	62	18	strategies	strategy	NOUN
fsr-3810	62	19	,	,	PUNCT
fsr-3810	62	20	and	and	CCONJ
fsr-3810	62	21	market	market	NOUN
fsr-3810	62	22	commentaries	commentary	NOUN
fsr-3810	62	23	(	(	PUNCT
fsr-3810	62	24	provided	provide	VERB
fsr-3810	62	25	three	three	NUM
fsr-3810	62	26	times	time	NOUN
fsr-3810	62	27	daily	daily	ADV
fsr-3810	62	28	)	)	PUNCT
fsr-3810	62	29	are	be	AUX
fsr-3810	62	30	enough	enough	ADJ
fsr-3810	62	31	to	to	PART
fsr-3810	62	32	make	make	VERB
fsr-3810	62	33	this	this	DET
fsr-3810	62	34	web	web	NOUN
fsr-3810	62	35	site	site	NOUN
fsr-3810	62	36	interesting	interesting	ADJ
fsr-3810	62	37	.	.	PUNCT
fsr-3810	63	1	the	the	DET
fsr-3810	63	2	"	"	PUNCT
fsr-3810	63	3	washington	washington	PROPN
fsr-3810	63	4	watch	watch	PROPN
fsr-3810	63	5	"	"	PUNCT
fsr-3810	63	6	link	link	NOUN
fsr-3810	63	7	offers	offer	VERB
fsr-3810	63	8	a	a	DET
fsr-3810	63	9	unique	unique	ADJ
fsr-3810	63	10	view	view	NOUN
fsr-3810	63	11	of	of	ADP
fsr-3810	63	12	legislation	legislation	NOUN
fsr-3810	63	13	that	that	PRON
fsr-3810	63	14	may	may	AUX
fsr-3810	63	15	impact	impact	VERB
fsr-3810	63	16	investors	investor	NOUN
fsr-3810	63	17	,	,	PUNCT
fsr-3810	63	18	both	both	DET
fsr-3810	63	19	individuals	individual	NOUN
fsr-3810	63	20	and	and	CCONJ
fsr-3810	63	21	institutions	institution	NOUN
fsr-3810	63	22	.	.	PUNCT
fsr-3810	64	1	the	the	DET
fsr-3810	64	2	investor	investor	NOUN
fsr-3810	64	3	learning	learning	PROPN
fsr-3810	64	4	center	center	PROPN
fsr-3810	64	5	link	link	NOUN
fsr-3810	64	6	is	be	AUX
fsr-3810	64	7	an	an	DET
fsr-3810	64	8	excellent	excellent	ADJ
fsr-3810	64	9	source	source	NOUN
fsr-3810	64	10	of	of	ADP
fsr-3810	64	11	basic	basic	ADJ
fsr-3810	64	12	investing	investing	NOUN
fsr-3810	64	13	terms	term	NOUN
fsr-3810	64	14	and	and	CCONJ
fsr-3810	64	15	concepts	concept	NOUN
fsr-3810	64	16	that	that	PRON
fsr-3810	64	17	will	will	AUX
fsr-3810	64	18	interest	interest	VERB
fsr-3810	64	19	educators	educator	NOUN
fsr-3810	64	20	,	,	PUNCT
fsr-3810	64	21	researchers	researcher	NOUN
fsr-3810	64	22	,	,	PUNCT
fsr-3810	64	23	and	and	CCONJ
fsr-3810	64	24	students	student	NOUN
fsr-3810	64	25	.	.	PUNCT
fsr-3810	65	1	obviously	obviously	ADV
fsr-3810	65	2	merrill	merrill	PROPN
fsr-3810	65	3	lynch	lynch	PROPN