id	sid	tid	token	lemma	pos
fsr-3822	1	1	pii	pii	PROPN
fsr-3822	1	2	:	:	PUNCT
fsr-3822	1	3	s1057	s1057	NOUN
fsr-3822	1	4	-	-	PUNCT
fsr-3822	1	5	0810(97)90009	0810(97)90009	NUM
fsr-3822	1	6	-	-	PUNCT
fsr-3822	1	7	3	3	NUM
fsr-3822	1	8	from	from	ADP
fsr-3822	1	9	the	the	DET
fsr-3822	1	10	editor	editor	NOUN
fsr-3822	1	11	karen	karen	PROPN
fsr-3822	1	12	eilers	eilers	PROPN
fsr-3822	1	13	lahey	lahey	PROPN
fsr-3822	1	14	s.	s.	PROPN
fsr-3822	1	15	travis	travis	PROPN
fsr-3822	1	16	pritchett	pritchett	PROPN
fsr-3822	1	17	provides	provide	VERB
fsr-3822	1	18	a	a	DET
fsr-3822	1	19	thought	thought	NOUN
fsr-3822	1	20	provoking	provoke	VERB
fsr-3822	1	21	discussion	discussion	NOUN
fsr-3822	1	22	of	of	ADP
fsr-3822	1	23	the	the	DET
fsr-3822	1	24	projection	projection	NOUN
fsr-3822	1	25	of	of	ADP
fsr-3822	1	26	life	life	NOUN
fsr-3822	1	27	insurance	insurance	NOUN
fsr-3822	1	28	cash	cash	NOUN
fsr-3822	1	29	values	value	NOUN
fsr-3822	1	30	based	base	VERB
fsr-3822	1	31	on	on	ADP
fsr-3822	1	32	historical	historical	ADJ
fsr-3822	1	33	investment	investment	NOUN
fsr-3822	1	34	experience	experience	NOUN
fsr-3822	1	35	that	that	PRON
fsr-3822	1	36	is	be	AUX
fsr-3822	1	37	helpful	helpful	ADJ
fsr-3822	1	38	for	for	ADP
fsr-3822	1	39	both	both	PRON
fsr-3822	1	40	academics	academic	NOUN
fsr-3822	1	41	and	and	CCONJ
fsr-3822	1	42	financial	financial	ADJ
fsr-3822	1	43	planners	planner	NOUN
fsr-3822	1	44	.	.	PUNCT
fsr-3822	2	1	as	as	ADP
fsr-3822	2	2	a	a	DET
fsr-3822	2	3	past	past	ADJ
fsr-3822	2	4	president	president	NOUN
fsr-3822	2	5	(	(	PUNCT
fsr-3822	2	6	1988	1988	NUM
fsr-3822	2	7	-	-	SYM
fsr-3822	2	8	89	89	NUM
fsr-3822	2	9	)	)	PUNCT
fsr-3822	2	10	of	of	ADP
fsr-3822	2	11	the	the	DET
fsr-3822	2	12	academy	academy	PROPN
fsr-3822	2	13	of	of	ADP
fsr-3822	2	14	finan	finan	PROPN
fsr-3822	2	15	cial	cial	PROPN
fsr-3822	2	16	services	service	NOUN
fsr-3822	2	17	,	,	PUNCT
fsr-3822	2	18	his	his	PRON
fsr-3822	2	19	continued	continue	VERB
fsr-3822	2	20	interest	interest	NOUN
fsr-3822	2	21	in	in	ADP
fsr-3822	2	22	our	our	PRON
fsr-3822	2	23	organization	organization	NOUN
fsr-3822	2	24	is	be	AUX
fsr-3822	2	25	very	very	ADV
fsr-3822	2	26	much	much	ADV
fsr-3822	2	27	appreciated	appreciated	ADJ
fsr-3822	2	28	.	.	PUNCT
fsr-3822	3	1	as	as	ADP
fsr-3822	3	2	edi	edi	PROPN
fsr-3822	3	3	tor	tor	PROPN
fsr-3822	3	4	,	,	PUNCT
fsr-3822	3	5	i	i	PRON
fsr-3822	3	6	would	would	AUX
fsr-3822	3	7	like	like	VERB
fsr-3822	3	8	to	to	PART
fsr-3822	3	9	encourage	encourage	VERB
fsr-3822	3	10	other	other	ADJ
fsr-3822	3	11	authors	author	NOUN
fsr-3822	3	12	to	to	PART
fsr-3822	3	13	provide	provide	VERB
fsr-3822	3	14	this	this	DET
fsr-3822	3	15	type	type	NOUN
fsr-3822	3	16	of	of	ADP
fsr-3822	3	17	rigorous	rigorous	ADJ
fsr-3822	3	18	analysis	analysis	NOUN
fsr-3822	3	19	of	of	ADP
fsr-3822	3	20	commonly	commonly	ADV
fsr-3822	3	21	used	use	VERB
fsr-3822	3	22	industry	industry	NOUN
fsr-3822	3	23	practices	practice	NOUN
fsr-3822	3	24	.	.	PUNCT
fsr-3822	4	1	“	"	PUNCT
fsr-3822	4	2	performance	performance	NOUN
fsr-3822	4	3	and	and	CCONJ
fsr-3822	4	4	persistence	persistence	NOUN
fsr-3822	4	5	in	in	ADP
fsr-3822	4	6	money	money	NOUN
fsr-3822	4	7	market	market	NOUN
fsr-3822	4	8	fund	fund	NOUN
fsr-3822	4	9	returns	return	NOUN
fsr-3822	4	10	”	"	PUNCT
fsr-3822	4	11	by	by	ADP
fsr-3822	4	12	dale	dale	PROPN
fsr-3822	4	13	l.	l.	PROPN
fsr-3822	4	14	domian	domian	PROPN
fsr-3822	4	15	and	and	CCONJ
fsr-3822	4	16	william	william	PROPN
fsr-3822	4	17	reichenstein	reichenstein	PROPN
fsr-3822	4	18	offers	offer	VERB
fsr-3822	4	19	strong	strong	ADJ
fsr-3822	4	20	evidence	evidence	NOUN
fsr-3822	4	21	that	that	SCONJ
fsr-3822	4	22	the	the	DET
fsr-3822	4	23	one	one	NUM
fsr-3822	4	24	factor	factor	NOUN
fsr-3822	4	25	that	that	PRON
fsr-3822	4	26	is	be	AUX
fsr-3822	4	27	significant	significant	ADJ
fsr-3822	4	28	in	in	ADP
fsr-3822	4	29	money	money	NOUN
fsr-3822	4	30	fund	fund	NOUN
fsr-3822	4	31	performance	performance	NOUN
fsr-3822	4	32	is	be	AUX
fsr-3822	4	33	the	the	DET
fsr-3822	4	34	expense	expense	NOUN
fsr-3822	4	35	ratio	ratio	NOUN
fsr-3822	4	36	.	.	PUNCT
fsr-3822	5	1	this	this	DET
fsr-3822	5	2	factor	factor	NOUN
fsr-3822	5	3	leads	lead	VERB
fsr-3822	5	4	to	to	ADP
fsr-3822	5	5	a	a	DET
fsr-3822	5	6	persistence	persistence	NOUN
fsr-3822	5	7	in	in	ADP
fsr-3822	5	8	fund	fund	NOUN
fsr-3822	5	9	per	per	ADP
fsr-3822	5	10	formance	formance	NOUN
fsr-3822	5	11	over	over	ADP
fsr-3822	5	12	time	time	NOUN
fsr-3822	5	13	that	that	PRON
fsr-3822	5	14	makes	make	VERB
fsr-3822	5	15	it	it	PRON
fsr-3822	5	16	easy	easy	ADJ
fsr-3822	5	17	for	for	SCONJ
fsr-3822	5	18	the	the	DET
fsr-3822	5	19	investor	investor	NOUN
fsr-3822	5	20	to	to	PART
fsr-3822	5	21	select	select	VERB
fsr-3822	5	22	a	a	DET
fsr-3822	5	23	fund	fund	NOUN
fsr-3822	5	24	that	that	PRON
fsr-3822	5	25	provides	provide	VERB
fsr-3822	5	26	high	high	ADJ
fsr-3822	5	27	returns	return	NOUN
fsr-3822	5	28	.	.	PUNCT
fsr-3822	6	1	sandeep	sandeep	PROPN
fsr-3822	6	2	singh	singh	PROPN
fsr-3822	6	3	and	and	CCONJ
fsr-3822	6	4	william	william	PROPN
fsr-3822	6	5	h.	h.	PROPN
fsr-3822	6	6	dresnack	dresnack	PROPN
fsr-3822	6	7	examine	examine	VERB
fsr-3822	6	8	the	the	DET
fsr-3822	6	9	individual	individual	ADJ
fsr-3822	6	10	investor	investor	NOUN
fsr-3822	6	11	’s	’s	PART
fsr-3822	6	12	choice	choice	NOUN
fsr-3822	6	13	between	between	ADP
fsr-3822	6	14	national	national	ADJ
fsr-3822	6	15	municipal	municipal	ADJ
fsr-3822	6	16	bond	bond	NOUN
fsr-3822	6	17	portfolios	portfolio	NOUN
fsr-3822	6	18	and	and	CCONJ
fsr-3822	6	19	state	state	NOUN
fsr-3822	6	20	specific	specific	ADJ
fsr-3822	6	21	bond	bond	NOUN
fsr-3822	6	22	mutual	mutual	ADJ
fsr-3822	6	23	funds	fund	NOUN
fsr-3822	6	24	in	in	ADP
fsr-3822	6	25	two	two	NUM
fsr-3822	6	26	states	state	NOUN
fsr-3822	6	27	with	with	ADP
fsr-3822	6	28	high	high	ADJ
fsr-3822	6	29	taxes	taxis	NOUN
fsr-3822	6	30	,	,	PUNCT
fsr-3822	6	31	new	new	PROPN
fsr-3822	6	32	york	york	PROPN
fsr-3822	6	33	and	and	CCONJ
fsr-3822	6	34	california	california	PROPN
fsr-3822	6	35	.	.	PUNCT
fsr-3822	7	1	their	their	PRON
fsr-3822	7	2	article	article	NOUN
fsr-3822	7	3	entitled	entitle	VERB
fsr-3822	7	4	,	,	PUNCT
fsr-3822	7	5	“	"	PUNCT
fsr-3822	7	6	market	market	NOUN
fsr-3822	7	7	knowl	knowl	NOUN
fsr-3822	7	8	edge	edge	NOUN
fsr-3822	7	9	in	in	ADP
fsr-3822	7	10	managed	manage	VERB
fsr-3822	7	11	municipal	municipal	ADJ
fsr-3822	7	12	bond	bond	NOUN
fsr-3822	7	13	portfolios	portfolio	NOUN
fsr-3822	7	14	”	"	PUNCT
fsr-3822	7	15	utilizes	utilize	VERB
fsr-3822	7	16	previous	previous	ADJ
fsr-3822	7	17	research	research	NOUN
fsr-3822	7	18	in	in	ADP
fsr-3822	7	19	this	this	DET
fsr-3822	7	20	area	area	NOUN
fsr-3822	7	21	to	to	PART
fsr-3822	7	22	explain	explain	VERB
fsr-3822	7	23	the	the	DET
fsr-3822	7	24	difficulties	difficulty	NOUN
fsr-3822	7	25	that	that	PRON
fsr-3822	7	26	investors	investor	NOUN
fsr-3822	7	27	face	face	VERB
fsr-3822	7	28	in	in	ADP
fsr-3822	7	29	this	this	DET
fsr-3822	7	30	type	type	NOUN
fsr-3822	7	31	of	of	ADP
fsr-3822	7	32	investment	investment	NOUN
fsr-3822	7	33	.	.	PUNCT
fsr-3822	8	1	douglas	douglas	PROPN
fsr-3822	8	2	r.	r.	PROPN
fsr-3822	8	3	kahl	kahl	PROPN
fsr-3822	8	4	explains	explain	VERB
fsr-3822	8	5	how	how	SCONJ
fsr-3822	8	6	he	he	PRON
fsr-3822	8	7	solves	solve	VERB
fsr-3822	8	8	the	the	DET
fsr-3822	8	9	problem	problem	NOUN
fsr-3822	8	10	of	of	ADP
fsr-3822	8	11	running	run	VERB
fsr-3822	8	12	a	a	DET
fsr-3822	8	13	student	student	NOUN
fsr-3822	8	14	-	-	PUNCT
fsr-3822	8	15	managed	manage	VERB
fsr-3822	8	16	investment	investment	NOUN
fsr-3822	8	17	fund	fund	NOUN
fsr-3822	8	18	at	at	ADP
fsr-3822	8	19	an	an	DET
fsr-3822	8	20	urban	urban	ADJ
fsr-3822	8	21	university	university	NOUN
fsr-3822	8	22	.	.	PUNCT
fsr-3822	9	1	“	"	PUNCT
fsr-3822	9	2	the	the	DET
fsr-3822	9	3	challenges	challenge	NOUN
fsr-3822	9	4	and	and	CCONJ
fsr-3822	9	5	opportunities	opportunity	NOUN
fsr-3822	9	6	of	of	ADP
fsr-3822	9	7	student	student	NOUN
fsr-3822	9	8	managed	manage	VERB
fsr-3822	9	9	investment	investment	NOUN
fsr-3822	9	10	funds	fund	NOUN
fsr-3822	9	11	at	at	ADP
fsr-3822	9	12	metropolitan	metropolitan	ADJ
fsr-3822	9	13	universities	university	NOUN
fsr-3822	9	14	,	,	PUNCT
fsr-3822	9	15	”	"	PUNCT
fsr-3822	9	16	illustrates	illustrate	VERB
fsr-3822	9	17	how	how	SCONJ
fsr-3822	9	18	important	important	ADJ
fsr-3822	9	19	indus	indus	NOUN
fsr-3822	9	20	try	try	VERB
fsr-3822	9	21	financial	financial	ADJ
fsr-3822	9	22	contributions	contribution	NOUN
fsr-3822	9	23	such	such	ADJ
fsr-3822	9	24	as	as	ADP
fsr-3822	9	25	oak	oak	PROPN
fsr-3822	9	26	associates	associates	PROPN
fsr-3822	9	27	ltd	ltd	PROPN
fsr-3822	9	28	.	.	PROPN
fsr-3822	9	29	gift	gift	NOUN
fsr-3822	9	30	to	to	ADP
fsr-3822	9	31	ten	ten	NUM
fsr-3822	9	32	higher	high	ADJ
fsr-3822	9	33	educational	educational	ADJ
fsr-3822	9	34	insti	insti	NOUN
fsr-3822	9	35	tutions	tution	NOUN
fsr-3822	9	36	can	can	AUX
fsr-3822	9	37	be	be	AUX
fsr-3822	9	38	in	in	ADP
fsr-3822	9	39	helping	help	VERB
fsr-3822	9	40	students	student	NOUN
fsr-3822	9	41	understand	understand	VERB
fsr-3822	9	42	the	the	DET
fsr-3822	9	43	investment	investment	NOUN
fsr-3822	9	44	process	process	NOUN
fsr-3822	9	45	.	.	PUNCT
fsr-3822	10	1	“	"	PUNCT
fsr-3822	10	2	asset	asset	NOUN
fsr-3822	10	3	allocation	allocation	NOUN
fsr-3822	10	4	and	and	CCONJ
fsr-3822	10	5	investment	investment	NOUN
fsr-3822	10	6	horizon	horizon	NOUN
fsr-3822	10	7	,	,	PUNCT
fsr-3822	10	8	”	"	PUNCT
fsr-3822	10	9	by	by	ADP
fsr-3822	10	10	keith	keith	PROPN
fsr-3822	10	11	v.	v.	PROPN
fsr-3822	10	12	smith	smith	PROPN
fsr-3822	10	13	examines	examine	VERB
fsr-3822	10	14	asset	asset	NOUN
fsr-3822	10	15	alloca	alloca	NOUN
fsr-3822	10	16	tion	tion	NOUN
fsr-3822	10	17	recommendations	recommendation	NOUN
fsr-3822	10	18	by	by	ADP
fsr-3822	10	19	brokerage	brokerage	NOUN
fsr-3822	10	20	firms	firm	NOUN
fsr-3822	10	21	that	that	PRON
fsr-3822	10	22	appears	appear	VERB
fsr-3822	10	23	quarterly	quarterly	ADV
fsr-3822	10	24	in	in	ADP
fsr-3822	10	25	the	the	DET
fsr-3822	10	26	wall	wall	PROPN
fsr-3822	10	27	street	street	PROPN
fsr-3822	10	28	journal	journal	PROPN
fsr-3822	10	29	.	.	PUNCT
fsr-3822	11	1	he	he	PRON
fsr-3822	11	2	finds	find	VERB
fsr-3822	11	3	that	that	SCONJ
fsr-3822	11	4	a	a	DET
fsr-3822	11	5	buy	buy	VERB
fsr-3822	11	6	-	-	PUNCT
fsr-3822	11	7	and	and	CCONJ
fsr-3822	11	8	-	-	PUNCT
fsr-3822	11	9	hold	hold	VERB
fsr-3822	11	10	strategy	strategy	NOUN
fsr-3822	11	11	appears	appear	VERB
fsr-3822	11	12	to	to	PART
fsr-3822	11	13	produce	produce	VERB
fsr-3822	11	14	a	a	DET
fsr-3822	11	15	higher	high	ADJ
fsr-3822	11	16	return	return	NOUN
fsr-3822	11	17	than	than	ADP
fsr-3822	11	18	quarterly	quarterly	ADJ
fsr-3822	11	19	,	,	PUNCT
fsr-3822	11	20	semi	semi	ADJ
fsr-3822	11	21	-	-	ADJ
fsr-3822	11	22	annual	annual	ADJ
fsr-3822	11	23	,	,	PUNCT
fsr-3822	11	24	and	and	CCONJ
fsr-3822	11	25	annual	annual	ADJ
fsr-3822	11	26	asset	asset	NOUN
fsr-3822	11	27	allocation	allocation	NOUN
fsr-3822	11	28	adjustments	adjustment	NOUN
fsr-3822	11	29	.	.	PUNCT
fsr-3822	12	1	three	three	NUM
fsr-3822	12	2	very	very	ADV
fsr-3822	12	3	interesting	interesting	ADJ
fsr-3822	12	4	books	book	NOUN
fsr-3822	12	5	are	be	AUX
fsr-3822	12	6	reviewed	review	VERB
fsr-3822	12	7	in	in	ADP
fsr-3822	12	8	this	this	DET
fsr-3822	12	9	issue	issue	NOUN
fsr-3822	12	10	.	.	PUNCT
fsr-3822	13	1	the	the	DET
fsr-3822	13	2	first	first	ADJ
fsr-3822	13	3	book	book	NOUN
fsr-3822	13	4	,	,	PUNCT
fsr-3822	13	5	the	the	DET
fsr-3822	13	6	millionaire	millionaire	NOUN
fsr-3822	13	7	next	next	ADP
fsr-3822	13	8	door	door	NOUN
fsr-3822	13	9	,	,	PUNCT
fsr-3822	13	10	is	be	AUX
fsr-3822	13	11	written	write	VERB
fsr-3822	13	12	by	by	ADP
fsr-3822	13	13	two	two	NUM
fsr-3822	13	14	academics	academic	NOUN
fsr-3822	13	15	in	in	ADP
fsr-3822	13	16	marketing	marketing	NOUN
fsr-3822	13	17	and	and	CCONJ
fsr-3822	13	18	reflects	reflect	VERB
fsr-3822	13	19	their	their	PRON
fsr-3822	13	20	survey	survey	NOUN
fsr-3822	13	21	data	datum	NOUN
fsr-3822	13	22	descrip	descrip	NOUN
fsr-3822	13	23	tion	tion	NOUN
fsr-3822	13	24	of	of	ADP
fsr-3822	13	25	those	those	PRON
fsr-3822	13	26	who	who	PRON
fsr-3822	13	27	achieve	achieve	VERB
fsr-3822	13	28	millionaire	millionaire	NOUN
fsr-3822	13	29	status	status	NOUN
fsr-3822	13	30	.	.	PUNCT
fsr-3822	14	1	the	the	DET
fsr-3822	14	2	financial	financial	PROPN
fsr-3822	14	3	services	service	NOUN
fsr-3822	14	4	revolution	revolution	NOUN
fsr-3822	14	5	,	,	PUNCT
fsr-3822	14	6	looks	look	VERB
fsr-3822	14	7	at	at	ADP
fsr-3822	14	8	the	the	DET
fsr-3822	14	9	changes	change	NOUN
fsr-3822	14	10	in	in	ADP
fsr-3822	14	11	the	the	DET
fsr-3822	14	12	industry	industry	NOUN
fsr-3822	14	13	during	during	ADP
fsr-3822	14	14	the	the	DET
fsr-3822	14	15	last	last	ADJ
fsr-3822	14	16	20	20	NUM
fsr-3822	14	17	years	year	NOUN
fsr-3822	14	18	.	.	PUNCT
fsr-3822	15	1	lastly	lastly	ADV
fsr-3822	15	2	,	,	PUNCT
fsr-3822	15	3	harold	harold	PROPN
fsr-3822	15	4	evensky	evensky	PROPN
fsr-3822	15	5	’s	’s	PROPN
fsr-3822	15	6	,	,	PUNCT
fsr-3822	15	7	wealth	wealth	NOUN
fsr-3822	15	8	management	management	NOUN
fsr-3822	15	9	,	,	PUNCT
fsr-3822	15	10	is	be	AUX
fsr-3822	15	11	a	a	DET
fsr-3822	15	12	comprehensive	comprehensive	ADJ
fsr-3822	15	13	guide	guide	NOUN
fsr-3822	15	14	to	to	ADP
fsr-3822	15	15	financial	financial	ADJ
fsr-3822	15	16	planning	planning	NOUN
fsr-3822	15	17	by	by	ADP
fsr-3822	15	18	a	a	DET
fsr-3822	15	19	widely	widely	ADV
fsr-3822	15	20	recognized	recognize	VERB
fsr-3822	15	21	pro	pro	ADJ
fsr-3822	15	22	fessional	fessional	NOUN
fsr-3822	15	23	in	in	ADP
fsr-3822	15	24	the	the	DET
fsr-3822	15	25	field	field	NOUN
fsr-3822	15	26	.	.	PUNCT
fsr-3822	16	1	dede	dede	NOUN
fsr-3822	16	2	pahl	pahl	PROPN
fsr-3822	16	3	has	have	AUX
fsr-3822	16	4	asked	ask	VERB
fsr-3822	16	5	me	i	PRON
fsr-3822	16	6	to	to	PART
fsr-3822	16	7	include	include	VERB
fsr-3822	16	8	an	an	DET
fsr-3822	16	9	addendum	addendum	NOUN
fsr-3822	16	10	to	to	ADP
fsr-3822	16	11	brian	brian	PROPN
fsr-3822	16	12	grinder	grinder	PROPN
fsr-3822	16	13	’s	’s	PART
fsr-3822	16	14	article	article	NOUN
fsr-3822	16	15	,	,	PUNCT
fsr-3822	16	16	“	"	PUNCT
fsr-3822	16	17	an	an	DET
fsr-3822	16	18	over	over	ADP
fsr-3822	16	19	view	view	NOUN
fsr-3822	16	20	of	of	ADP
fsr-3822	16	21	financial	financial	ADJ
fsr-3822	16	22	services	service	NOUN
fsr-3822	16	23	resources	resource	NOUN
fsr-3822	16	24	on	on	ADP
fsr-3822	16	25	the	the	DET
fsr-3822	16	26	internet	internet	NOUN
fsr-3822	16	27	,	,	PUNCT
fsr-3822	16	28	”	"	PUNCT
fsr-3822	16	29	which	which	PRON
fsr-3822	16	30	appeared	appear	VERB
fsr-3822	16	31	in	in	ADP
fsr-3822	16	32	vol	vol	NOUN
fsr-3822	16	33	.	.	PROPN
fsr-3822	16	34	6	6	NUM
fsr-3822	16	35	no	no	NOUN
fsr-3822	16	36	.	.	NOUN
fsr-3822	16	37	2	2	NUM
fsr-3822	16	38	of	of	ADP
fsr-3822	16	39	this	this	DET
fsr-3822	16	40	journal	journal	NOUN
fsr-3822	16	41	.	.	PUNCT
fsr-3822	17	1	the	the	DET
fsr-3822	17	2	addendum	addendum	PROPN
fsr-3822	17	3	appears	appear	VERB
fsr-3822	17	4	in	in	ADP
fsr-3822	17	5	the	the	DET
fsr-3822	17	6	back	back	NOUN
fsr-3822	17	7	of	of	ADP
fsr-3822	17	8	this	this	DET
fsr-3822	17	9	issue	issue	NOUN
fsr-3822	17	10	.	.	PUNCT
fsr-3822	18	1	v	v	X