id	sid	tid	token	lemma	pos
fsr-3829	1	1	pii	pii	PROPN
fsr-3829	1	2	:	:	PUNCT
fsr-3829	1	3	s1057	s1057	NOUN
fsr-3829	1	4	-	-	PUNCT
fsr-3829	1	5	0810(97)90016	0810(97)90016	NOUN
fsr-3829	1	6	-	-	PUNCT
fsr-3829	1	7	0	0	NUM
fsr-3829	1	8	financial	financial	ADJ
fsr-3829	1	9	services	service	NOUN
fsr-3829	1	10	review	review	NOUN
fsr-3829	1	11	,	,	PUNCT
fsr-3829	1	12	6(3	6(3	NUM
fsr-3829	1	13	):	):	PUNCT
fsr-3829	1	14	221	221	NUM
fsr-3829	1	15	-	-	SYM
fsr-3829	1	16	224	224	NUM
fsr-3829	1	17	copyright	copyright	NOUN
fsr-3829	1	18	0	0	NUM
fsr-3829	1	19	1998	1998	NUM
fsr-3829	1	20	by	by	ADP
fsr-3829	1	21	jai	jai	PROPN
fsr-3829	1	22	press	press	PROPN
fsr-3829	1	23	inc	inc	PROPN
fsr-3829	1	24	.	.	PROPN
fsr-3829	1	25	issn	issn	PROPN
fsr-3829	1	26	:	:	PUNCT
fsr-3829	1	27	1057	1057	NUM
fsr-3829	1	28	-	-	SYM
fsr-3829	1	29	0810	0810	NUM
fsr-3829	1	30	all	all	DET
fsr-3829	1	31	rights	right	NOUN
fsr-3829	1	32	of	of	ADP
fsr-3829	1	33	reproduction	reproduction	NOUN
fsr-3829	1	34	in	in	ADP
fsr-3829	1	35	any	any	DET
fsr-3829	1	36	form	form	NOUN
fsr-3829	1	37	reserved	reserve	VERB
fsr-3829	1	38	.	.	PUNCT
fsr-3829	2	1	book	book	NOUN
fsr-3829	2	2	,	,	PUNCT
fsr-3829	2	3	software	software	NOUN
fsr-3829	2	4	,	,	PUNCT
fsr-3829	2	5	and	and	CCONJ
fsr-3829	2	6	web	web	NOUN
fsr-3829	2	7	site	site	NOUN
fsr-3829	2	8	reviews	review	VERB
fsr-3829	2	9	douglas	douglas	PROPN
fsr-3829	2	10	kahl	kahl	PROPN
fsr-3829	2	11	,	,	PUNCT
fsr-3829	2	12	editor	editor	PROPN
fsr-3829	2	13	university	university	PROPN
fsr-3829	2	14	of	of	ADP
fsr-3829	2	15	akron	akron	PROPN
fsr-3829	2	16	the	the	DET
fsr-3829	2	17	millionaire	millionaire	NOUN
fsr-3829	2	18	next	next	ADP
fsr-3829	2	19	door	door	NOUN
fsr-3829	2	20	.	.	PUNCT
fsr-3829	3	1	thomas	thomas	PROPN
fsr-3829	3	2	j.	j.	PROPN
fsr-3829	3	3	stanley	stanley	PROPN
fsr-3829	3	4	and	and	CCONJ
fsr-3829	3	5	william	william	PROPN
fsr-3829	3	6	d.	d.	PROPN
fsr-3829	3	7	danko	danko	PROPN
fsr-3829	3	8	marietta	marietta	PROPN
fsr-3829	3	9	,	,	PUNCT
fsr-3829	3	10	ga	ga	PROPN
fsr-3829	3	11	:	:	PUNCT
fsr-3829	3	12	longstreet	longstreet	PROPN
fsr-3829	3	13	press	press	PROPN
fsr-3829	3	14	,	,	PUNCT
fsr-3829	3	15	inc	inc	PROPN
fsr-3829	3	16	.	.	PROPN
fsr-3829	3	17	;	;	PUNCT
fsr-3829	3	18	1996	1996	NUM
fsr-3829	3	19	reviewed	review	VERB
fsr-3829	3	20	by	by	ADP
fsr-3829	3	21	:	:	PUNCT
fsr-3829	3	22	douglas	douglas	PROPN
fsr-3829	3	23	r.	r.	PROPN
fsr-3829	3	24	kahl	kahl	PROPN
fsr-3829	3	25	,	,	PUNCT
fsr-3829	3	26	professor	professor	NOUN
fsr-3829	3	27	of	of	ADP
fsr-3829	3	28	finance	finance	NOUN
fsr-3829	3	29	,	,	PUNCT
fsr-3829	3	30	the	the	DET
fsr-3829	3	31	university	university	NOUN
fsr-3829	3	32	of	of	ADP
fsr-3829	3	33	akron	akron	PROPN
fsr-3829	3	34	.	.	PUNCT
fsr-3829	4	1	thomas	thomas	PROPN
fsr-3829	4	2	j.	j.	PROPN
fsr-3829	4	3	stanley	stanley	PROPN
fsr-3829	4	4	and	and	CCONJ
fsr-3829	4	5	william	william	PROPN
fsr-3829	4	6	d.	d.	PROPN
fsr-3829	4	7	danko	danko	PROPN
fsr-3829	4	8	surveyed	survey	VERB
fsr-3829	4	9	3000	3000	NUM
fsr-3829	4	10	heads	head	NOUN
fsr-3829	4	11	of	of	ADP
fsr-3829	4	12	households	household	NOUN
fsr-3829	4	13	expected	expect	VERB
fsr-3829	4	14	to	to	PART
fsr-3829	4	15	have	have	VERB
fsr-3829	4	16	high	high	ADJ
fsr-3829	4	17	net	net	ADJ
fsr-3829	4	18	worth	worth	NOUN
fsr-3829	4	19	.	.	PUNCT
fsr-3829	5	1	of	of	ADP
fsr-3829	5	2	the	the	DET
fsr-3829	5	3	1,115	1,115	NUM
fsr-3829	5	4	respondents	respondent	NOUN
fsr-3829	5	5	,	,	PUNCT
fsr-3829	5	6	385	385	NUM
fsr-3829	5	7	had	have	VERB
fsr-3829	5	8	household	household	NOUN
fsr-3829	5	9	net	net	NOUN
fsr-3829	5	10	worth	worth	NOUN
fsr-3829	5	11	of	of	ADP
fsr-3829	5	12	at	at	ADV
fsr-3829	5	13	least	least	ADV
fsr-3829	5	14	$	$	SYM
fsr-3829	5	15	1	1	NUM
fsr-3829	5	16	,	,	PUNCT
fsr-3829	5	17	ooo	ooo	INTJ
fsr-3829	5	18	,	,	PUNCT
fsr-3829	5	19	ooo	ooo	INTJ
fsr-3829	5	20	.	.	PUNCT
fsr-3829	6	1	they	they	PRON
fsr-3829	6	2	present	present	VERB
fsr-3829	6	3	the	the	DET
fsr-3829	6	4	results	result	NOUN
fsr-3829	6	5	of	of	ADP
fsr-3829	6	6	the	the	DET
fsr-3829	6	7	eight	eight	NUM
fsr-3829	6	8	page	page	NOUN
fsr-3829	6	9	surveys	survey	NOUN
fsr-3829	6	10	in	in	ADP
fsr-3829	6	11	a	a	DET
fsr-3829	6	12	258	258	NUM
fsr-3829	6	13	-	-	PUNCT
fsr-3829	6	14	page	page	NOUN
fsr-3829	6	15	book	book	NOUN
fsr-3829	6	16	,	,	PUNCT
fsr-3829	6	17	the	the	DET
fsr-3829	6	18	mil	mil	NOUN
fsr-3829	6	19	lionaire	lionaire	NOUN
fsr-3829	6	20	next	next	ADJ
fsr-3829	6	21	door	door	NOUN
fsr-3829	6	22	.	.	PUNCT
fsr-3829	7	1	based	base	VERB
fsr-3829	7	2	on	on	ADP
fsr-3829	7	3	the	the	DET
fsr-3829	7	4	survey	survey	NOUN
fsr-3829	7	5	,	,	PUNCT
fsr-3829	7	6	in	in	ADP
fsr-3829	7	7	depth	depth	NOUN
fsr-3829	7	8	interviews	interview	NOUN
fsr-3829	7	9	and	and	CCONJ
fsr-3829	7	10	prior	prior	ADJ
fsr-3829	7	11	research	research	NOUN
fsr-3829	7	12	stanley	stanley	NOUN
fsr-3829	7	13	and	and	CCONJ
fsr-3829	7	14	danko	danko	PROPN
fsr-3829	7	15	paint	paint	VERB
fsr-3829	7	16	a	a	DET
fsr-3829	7	17	detailed	detailed	ADJ
fsr-3829	7	18	portrait	portrait	NOUN
fsr-3829	7	19	of	of	ADP
fsr-3829	7	20	the	the	DET
fsr-3829	7	21	american	american	ADJ
fsr-3829	7	22	millionaire	millionaire	NOUN
fsr-3829	7	23	.	.	PUNCT
fsr-3829	8	1	they	they	PRON
fsr-3829	8	2	will	will	AUX
fsr-3829	8	3	tell	tell	VERB
fsr-3829	8	4	you	you	PRON
fsr-3829	8	5	what	what	PRON
fsr-3829	8	6	the	the	DET
fsr-3829	8	7	millionaire	millionaire	NOUN
fsr-3829	8	8	is	be	AUX
fsr-3829	8	9	likely	likely	ADJ
fsr-3829	8	10	to	to	PART
fsr-3829	8	11	drive	drive	VERB
fsr-3829	8	12	;	;	PUNCT
fsr-3829	8	13	how	how	SCONJ
fsr-3829	8	14	much	much	ADV
fsr-3829	8	15	he	he	PRON
fsr-3829	8	16	will	will	AUX
fsr-3829	8	17	spend	spend	VERB
fsr-3829	8	18	for	for	ADP
fsr-3829	8	19	a	a	DET
fsr-3829	8	20	suit	suit	NOUN
fsr-3829	8	21	,	,	PUNCT
fsr-3829	8	22	watch	watch	NOUN
fsr-3829	8	23	and	and	CCONJ
fsr-3829	8	24	shoes	shoe	NOUN
fsr-3829	8	25	;	;	PUNCT
fsr-3829	8	26	how	how	SCONJ
fsr-3829	8	27	long	long	ADV
fsr-3829	8	28	and	and	CCONJ
fsr-3829	8	29	how	how	SCONJ
fsr-3829	8	30	often	often	ADV
fsr-3829	8	31	he	he	PRON
fsr-3829	8	32	has	have	AUX
fsr-3829	8	33	been	be	AUX
fsr-3829	8	34	married	marry	VERB
fsr-3829	8	35	;	;	PUNCT
fsr-3829	8	36	and	and	CCONJ
fsr-3829	8	37	,	,	PUNCT
fsr-3829	8	38	perhaps	perhaps	ADV
fsr-3829	8	39	what	what	PRON
fsr-3829	8	40	is	be	AUX
fsr-3829	8	41	most	most	ADV
fsr-3829	8	42	important	important	ADJ
fsr-3829	8	43	,	,	PUNCT
fsr-3829	8	44	how	how	SCONJ
fsr-3829	8	45	he	he	PRON
fsr-3829	8	46	became	become	VERB
fsr-3829	8	47	a	a	DET
fsr-3829	8	48	millionaire	millionaire	NOUN
fsr-3829	8	49	.	.	PUNCT
fsr-3829	9	1	stanley	stanley	PROPN
fsr-3829	9	2	and	and	CCONJ
fsr-3829	9	3	danko	danko	PROPN
fsr-3829	9	4	’s	’s	PART
fsr-3829	9	5	portrait	portrait	NOUN
fsr-3829	9	6	may	may	AUX
fsr-3829	9	7	not	not	PART
fsr-3829	9	8	surprise	surprise	VERB
fsr-3829	9	9	most	most	ADV
fsr-3829	9	10	experienced	experienced	ADJ
fsr-3829	9	11	financial	financial	ADJ
fsr-3829	9	12	planners	planner	NOUN
fsr-3829	9	13	,	,	PUNCT
fsr-3829	9	14	but	but	CCONJ
fsr-3829	9	15	will	will	AUX
fsr-3829	9	16	come	come	VERB
fsr-3829	9	17	as	as	ADP
fsr-3829	9	18	a	a	DET
fsr-3829	9	19	shock	shock	NOUN
fsr-3829	9	20	for	for	ADP
fsr-3829	9	21	many	many	ADJ
fsr-3829	9	22	of	of	ADP
fsr-3829	9	23	those	those	PRON
fsr-3829	9	24	who	who	PRON
fsr-3829	9	25	want	want	VERB
fsr-3829	9	26	to	to	PART
fsr-3829	9	27	sell	sell	VERB
fsr-3829	9	28	goods	good	NOUN
fsr-3829	9	29	and	and	CCONJ
fsr-3829	9	30	services	service	NOUN
fsr-3829	9	31	to	to	ADP
fsr-3829	9	32	the	the	DET
fsr-3829	9	33	wealthy	wealthy	ADJ
fsr-3829	9	34	,	,	PUNCT
fsr-3829	9	35	who	who	PRON
fsr-3829	9	36	want	want	VERB
fsr-3829	9	37	to	to	PART
fsr-3829	9	38	become	become	VERB
fsr-3829	9	39	wealthy	wealthy	ADJ
fsr-3829	9	40	,	,	PUNCT
fsr-3829	9	41	or	or	CCONJ
fsr-3829	9	42	who	who	PRON
fsr-3829	9	43	simply	simply	ADV
fsr-3829	9	44	want	want	VERB
fsr-3829	9	45	to	to	PART
fsr-3829	9	46	appear	appear	VERB
fsr-3829	9	47	to	to	PART
fsr-3829	9	48	be	be	AUX
fsr-3829	9	49	wealthy	wealthy	ADJ
fsr-3829	9	50	.	.	PUNCT
fsr-3829	10	1	the	the	DET
fsr-3829	10	2	results	result	NOUN
fsr-3829	10	3	presented	present	VERB
fsr-3829	10	4	in	in	ADP
fsr-3829	10	5	the	the	DET
fsr-3829	10	6	book	book	NOUN
fsr-3829	10	7	are	be	AUX
fsr-3829	10	8	thoroughly	thoroughly	ADV
fsr-3829	10	9	discussed	discuss	VERB
fsr-3829	10	10	and	and	CCONJ
fsr-3829	10	11	are	be	AUX
fsr-3829	10	12	enhanced	enhance	VERB
fsr-3829	10	13	by	by	ADP
fsr-3829	10	14	many	many	ADJ
fsr-3829	10	15	examples	example	NOUN
fsr-3829	10	16	and	and	CCONJ
fsr-3829	10	17	illustrations	illustration	NOUN
fsr-3829	10	18	.	.	PUNCT
fsr-3829	11	1	while	while	SCONJ
fsr-3829	11	2	the	the	DET
fsr-3829	11	3	covers	cover	NOUN
fsr-3829	11	4	of	of	ADP
fsr-3829	11	5	the	the	DET
fsr-3829	11	6	book	book	NOUN
fsr-3829	11	7	may	may	AUX
fsr-3829	11	8	be	be	AUX
fsr-3829	11	9	a	a	DET
fsr-3829	11	10	little	little	ADJ
fsr-3829	11	11	farther	far	ADV
fsr-3829	11	12	apart	apart	ADV
fsr-3829	11	13	than	than	SCONJ
fsr-3829	11	14	is	be	AUX
fsr-3829	11	15	abso	abso	PROPN
fsr-3829	11	16	lutely	lutely	ADV
fsr-3829	11	17	necessary	necessary	ADJ
fsr-3829	11	18	,	,	PUNCT
fsr-3829	11	19	the	the	DET
fsr-3829	11	20	book	book	NOUN
fsr-3829	11	21	is	be	AUX
fsr-3829	11	22	well	well	ADV
fsr-3829	11	23	worth	worth	ADJ
fsr-3829	11	24	reading	read	VERB
fsr-3829	11	25	for	for	ADP
fsr-3829	11	26	the	the	DET
fsr-3829	11	27	insights	insight	NOUN
fsr-3829	11	28	it	it	PRON
fsr-3829	11	29	provides	provide	VERB
fsr-3829	11	30	into	into	ADP
fsr-3829	11	31	the	the	DET
fsr-3829	11	32	modem	modem	ADJ
fsr-3829	11	33	american	american	ADJ
fsr-3829	11	34	millionaire	millionaire	NOUN
fsr-3829	11	35	and	and	CCONJ
fsr-3829	11	36	his	his	PRON
fsr-3829	11	37	lifestyle	lifestyle	NOUN
fsr-3829	11	38	.	.	PUNCT
fsr-3829	12	1	the	the	DET
fsr-3829	12	2	financial	financial	PROPN
fsr-3829	12	3	services	service	NOUN
fsr-3829	12	4	revolution	revolution	NOUN
fsr-3829	12	5	.	.	PUNCT
fsr-3829	12	6	edited	edit	VERB
fsr-3829	12	7	by	by	ADP
fsr-3829	12	8	clifford	clifford	PROPN
fsr-3829	12	9	e.	e.	PROPN
fsr-3829	12	10	kirsch	kirsch	PROPN
fsr-3829	12	11	irwin	irwin	PROPN
fsr-3829	12	12	publishing	publishing	PROPN
fsr-3829	12	13	;	;	PUNCT
fsr-3829	12	14	1997	1997	NUM
fsr-3829	12	15	.	.	PUNCT
fsr-3829	12	16	reviewed	review	VERB
fsr-3829	12	17	by	by	ADP
fsr-3829	12	18	:	:	PUNCT
fsr-3829	12	19	j.	j.	PROPN
fsr-3829	12	20	tim	tim	PROPN
fsr-3829	12	21	query	query	PROPN
fsr-3829	12	22	,	,	PUNCT
fsr-3829	12	23	dept	dept	NOUN
fsr-3829	12	24	.	.	PROPN
fsr-3829	12	25	of	of	ADP
fsr-3829	12	26	risk	risk	NOUN
fsr-3829	12	27	management	management	NOUN
fsr-3829	12	28	&	&	CCONJ
fsr-3829	12	29	insurance	insurance	NOUN
fsr-3829	12	30	,	,	PUNCT
fsr-3829	12	31	university	university	NOUN
fsr-3829	12	32	of	of	ADP
fsr-3829	12	33	georgia	georgia	PROPN
fsr-3829	12	34	.	.	PUNCT
fsr-3829	13	1	the	the	DET
fsr-3829	13	2	financial	financial	PROPN
fsr-3829	13	3	services	services	PROPN
fsr-3829	13	4	revolution	revolution	PROPN
fsr-3829	13	5	examines	examine	VERB
fsr-3829	13	6	the	the	DET
fsr-3829	13	7	important	important	ADJ
fsr-3829	13	8	changes	change	NOUN
fsr-3829	13	9	that	that	PRON
fsr-3829	13	10	have	have	AUX
fsr-3829	13	11	taken	take	VERB
fsr-3829	13	12	place	place	NOUN
fsr-3829	13	13	in	in	ADP
fsr-3829	13	14	the	the	DET
fsr-3829	13	15	last	last	ADJ
fsr-3829	13	16	two	two	NUM
fsr-3829	13	17	decades	decade	NOUN
fsr-3829	13	18	in	in	ADP
fsr-3829	13	19	the	the	DET
fsr-3829	13	20	financial	financial	ADJ
fsr-3829	13	21	services	service	NOUN
fsr-3829	13	22	industry	industry	NOUN
fsr-3829	13	23	.	.	PUNCT
fsr-3829	14	1	its	its	PRON
fsr-3829	14	2	intention	intention	NOUN
fsr-3829	14	3	is	be	AUX
fsr-3829	14	4	to	to	PART
fsr-3829	14	5	bridge	bridge	VERB
fsr-3829	14	6	the	the	DET
fsr-3829	14	7	inter	inter	ADJ
fsr-3829	14	8	ests	est	NOUN
fsr-3829	14	9	of	of	ADP
fsr-3829	14	10	policy	policy	NOUN
fsr-3829	14	11	makers	maker	NOUN
fsr-3829	14	12	,	,	PUNCT
fsr-3829	14	13	practitioners	practitioner	NOUN
fsr-3829	14	14	,	,	PUNCT
fsr-3829	14	15	and	and	CCONJ
fsr-3829	14	16	academics	academic	NOUN
fsr-3829	14	17	.	.	PUNCT
fsr-3829	15	1	to	to	ADP
fsr-3829	15	2	that	that	DET
fsr-3829	15	3	end	end	NOUN
fsr-3829	15	4	,	,	PUNCT
fsr-3829	15	5	submissions	submission	NOUN
fsr-3829	15	6	are	be	AUX
fsr-3829	15	7	included	include	VERB
fsr-3829	15	8	from	from	ADP
fsr-3829	15	9	practitioners	practitioner	NOUN
fsr-3829	15	10	,	,	PUNCT
fsr-3829	15	11	academics	academic	NOUN
fsr-3829	15	12	,	,	PUNCT
fsr-3829	15	13	and	and	CCONJ
fsr-3829	15	14	officials	official	NOUN
fsr-3829	15	15	from	from	ADP
fsr-3829	15	16	regulatory	regulatory	ADJ
fsr-3829	15	17	agencies	agency	NOUN
fsr-3829	15	18	.	.	PUNCT
fsr-3829	16	1	editor	editor	NOUN
fsr-3829	16	2	clifford	clifford	PROPN
fsr-3829	16	3	e.	e.	PROPN
fsr-3829	16	4	222	222	NUM
fsr-3829	16	5	financial	financial	ADJ
fsr-3829	16	6	services	service	NOUN
fsr-3829	16	7	review	review	VERB
fsr-3829	16	8	6(3	6(3	NUM
fsr-3829	16	9	)	)	PUNCT
fsr-3829	16	10	1998	1998	NUM
fsr-3829	16	11	kirsch	kirsch	NOUN
fsr-3829	16	12	is	be	AUX
fsr-3829	16	13	chief	chief	ADJ
fsr-3829	16	14	counsel	counsel	NOUN
fsr-3829	16	15	,	,	PUNCT
fsr-3829	16	16	variable	variable	ADJ
fsr-3829	16	17	products	product	NOUN
fsr-3829	16	18	,	,	PUNCT
fsr-3829	16	19	at	at	ADP
fsr-3829	16	20	the	the	DET
fsr-3829	16	21	prudential	prudential	PROPN
fsr-3829	16	22	insurance	insurance	PROPN
fsr-3829	16	23	company	company	PROPN
fsr-3829	16	24	of	of	ADP
fsr-3829	16	25	amer	amer	PROPN
fsr-3829	16	26	ica	ica	PROPN
fsr-3829	16	27	.	.	PUNCT
fsr-3829	17	1	this	this	DET
fsr-3829	17	2	book	book	NOUN
fsr-3829	17	3	is	be	AUX
fsr-3829	17	4	divided	divide	VERB
fsr-3829	17	5	into	into	ADP
fsr-3829	17	6	eight	eight	NUM
fsr-3829	17	7	parts	part	NOUN
fsr-3829	17	8	.	.	PUNCT
fsr-3829	18	1	part	part	NOUN
fsr-3829	18	2	i	i	PRON
fsr-3829	18	3	examines	examine	VERB
fsr-3829	18	4	the	the	DET
fsr-3829	18	5	evolution	evolution	NOUN
fsr-3829	18	6	of	of	ADP
fsr-3829	18	7	bank	bank	PROPN
fsr-3829	18	8	and	and	CCONJ
fsr-3829	18	9	insur	insur	PROPN
fsr-3829	18	10	ance	ance	NOUN
fsr-3829	18	11	company	company	NOUN
fsr-3829	18	12	activities	activity	NOUN
fsr-3829	18	13	.	.	PUNCT
fsr-3829	19	1	an	an	DET
fsr-3829	19	2	interesting	interesting	ADJ
fsr-3829	19	3	survey	survey	NOUN
fsr-3829	19	4	of	of	ADP
fsr-3829	19	5	bank	bank	NOUN
fsr-3829	19	6	securities	security	NOUN
fsr-3829	19	7	activities	activity	NOUN
fsr-3829	19	8	,	,	PUNCT
fsr-3829	19	9	including	include	VERB
fsr-3829	19	10	a	a	DET
fsr-3829	19	11	review	review	NOUN
fsr-3829	19	12	of	of	ADP
fsr-3829	19	13	the	the	DET
fsr-3829	19	14	history	history	NOUN
fsr-3829	19	15	of	of	ADP
fsr-3829	19	16	commercial	commercial	ADJ
fsr-3829	19	17	bank	bank	NOUN
fsr-3829	19	18	securities	security	NOUN
fsr-3829	19	19	activity	activity	NOUN
fsr-3829	19	20	since	since	SCONJ
fsr-3829	19	21	the	the	DET
fsr-3829	19	22	civil	civil	ADJ
fsr-3829	19	23	war	war	NOUN
fsr-3829	19	24	,	,	PUNCT
fsr-3829	19	25	provides	provide	VERB
fsr-3829	19	26	a	a	DET
fsr-3829	19	27	chronological	chronological	ADJ
fsr-3829	19	28	narrative	narrative	NOUN
fsr-3829	19	29	.	.	PUNCT
fsr-3829	20	1	another	another	DET
fsr-3829	20	2	chapter	chapter	NOUN
fsr-3829	20	3	examines	examine	VERB
fsr-3829	20	4	the	the	DET
fsr-3829	20	5	regulatory	regulatory	ADJ
fsr-3829	20	6	structure	structure	NOUN
fsr-3829	20	7	that	that	PRON
fsr-3829	20	8	applies	apply	VERB
fsr-3829	20	9	to	to	ADP
fsr-3829	20	10	equity	equity	NOUN
fsr-3829	20	11	-	-	PUNCT
fsr-3829	20	12	based	base	VERB
fsr-3829	20	13	insurance	insurance	NOUN
fsr-3829	20	14	products	product	NOUN
fsr-3829	20	15	.	.	PUNCT
fsr-3829	21	1	the	the	DET
fsr-3829	21	2	regulatory	regulatory	ADJ
fsr-3829	21	3	developments	development	NOUN
fsr-3829	21	4	that	that	PRON
fsr-3829	21	5	have	have	AUX
fsr-3829	21	6	allowed	allow	VERB
fsr-3829	21	7	banks	bank	NOUN
fsr-3829	21	8	to	to	PART
fsr-3829	21	9	become	become	VERB
fsr-3829	21	10	sellers	seller	NOUN
fsr-3829	21	11	of	of	ADP
fsr-3829	21	12	securities	security	NOUN
fsr-3829	21	13	and	and	CCONJ
fsr-3829	21	14	insurance	insurance	NOUN
fsr-3829	21	15	products	product	NOUN
fsr-3829	21	16	are	be	AUX
fsr-3829	21	17	reviewed	review	VERB
fsr-3829	21	18	,	,	PUNCT
fsr-3829	21	19	and	and	CCONJ
fsr-3829	21	20	issues	issue	NOUN
fsr-3829	21	21	relating	relate	VERB
fsr-3829	21	22	to	to	ADP
fsr-3829	21	23	bank	bank	NOUN
fsr-3829	21	24	underwriting	underwriting	NOUN
fsr-3829	21	25	of	of	ADP
fsr-3829	21	26	these	these	DET
fsr-3829	21	27	products	product	NOUN
fsr-3829	21	28	are	be	AUX
fsr-3829	21	29	explored	explore	VERB
fsr-3829	21	30	as	as	ADV
fsr-3829	21	31	well	well	ADV
fsr-3829	21	32	.	.	PUNCT
fsr-3829	22	1	part	part	NOUN
fsr-3829	22	2	i	i	PRON
fsr-3829	22	3	concludes	conclude	VERB
fsr-3829	22	4	with	with	ADP
fsr-3829	22	5	a	a	DET
fsr-3829	22	6	discus	discus	NOUN
fsr-3829	22	7	sion	sion	NOUN
fsr-3829	22	8	of	of	ADP
fsr-3829	22	9	the	the	DET
fsr-3829	22	10	tension	tension	NOUN
fsr-3829	22	11	between	between	ADP
fsr-3829	22	12	bank	bank	NOUN
fsr-3829	22	13	regulators	regulator	NOUN
fsr-3829	22	14	and	and	CCONJ
fsr-3829	22	15	insurance	insurance	NOUN
fsr-3829	22	16	regulators	regulator	NOUN
fsr-3829	22	17	over	over	ADP
fsr-3829	22	18	issues	issue	NOUN
fsr-3829	22	19	concem	concem	VERB
fsr-3829	22	20	ing	e	VERB
fsr-3829	22	21	the	the	DET
fsr-3829	22	22	authority	authority	NOUN
fsr-3829	22	23	of	of	ADP
fsr-3829	22	24	banks	bank	NOUN
fsr-3829	22	25	.	.	PUNCT
fsr-3829	23	1	part	part	PROPN
fsr-3829	23	2	ii	ii	PROPN
fsr-3829	23	3	focuses	focus	VERB
fsr-3829	23	4	on	on	ADP
fsr-3829	23	5	derivatives	derivative	NOUN
fsr-3829	23	6	.	.	PUNCT
fsr-3829	24	1	an	an	DET
fsr-3829	24	2	excellent	excellent	ADJ
fsr-3829	24	3	overview	overview	NOUN
fsr-3829	24	4	of	of	ADP
fsr-3829	24	5	derivatives	derivative	NOUN
fsr-3829	24	6	is	be	AUX
fsr-3829	24	7	presented	present	VERB
fsr-3829	24	8	that	that	PRON
fsr-3829	24	9	include	include	VERB
fsr-3829	24	10	an	an	DET
fsr-3829	24	11	explanation	explanation	NOUN
fsr-3829	24	12	of	of	ADP
fsr-3829	24	13	how	how	SCONJ
fsr-3829	24	14	these	these	DET
fsr-3829	24	15	products	product	NOUN
fsr-3829	24	16	work	work	VERB
fsr-3829	24	17	and	and	CCONJ
fsr-3829	24	18	why	why	SCONJ
fsr-3829	24	19	they	they	PRON
fsr-3829	24	20	are	be	AUX
fsr-3829	24	21	used	use	VERB
fsr-3829	24	22	.	.	PUNCT
fsr-3829	25	1	the	the	DET
fsr-3829	25	2	coverage	coverage	NOUN
fsr-3829	25	3	of	of	ADP
fsr-3829	25	4	derivatives	derivative	NOUN
fsr-3829	25	5	begins	begin	VERB
fsr-3829	25	6	with	with	ADP
fsr-3829	25	7	the	the	DET
fsr-3829	25	8	basics	basic	NOUN
fsr-3829	25	9	,	,	PUNCT
fsr-3829	25	10	and	and	CCONJ
fsr-3829	25	11	is	be	AUX
fsr-3829	25	12	highly	highly	ADV
fsr-3829	25	13	recommended	recommend	VERB
fsr-3829	25	14	for	for	ADP
fsr-3829	25	15	those	those	PRON
fsr-3829	25	16	who	who	PRON
fsr-3829	25	17	may	may	AUX
fsr-3829	25	18	not	not	PART
fsr-3829	25	19	be	be	AUX
fsr-3829	25	20	familiar	familiar	ADJ
fsr-3829	25	21	with	with	ADP
fsr-3829	25	22	this	this	DET
fsr-3829	25	23	complex	complex	ADJ
fsr-3829	25	24	area	area	NOUN
fsr-3829	25	25	of	of	ADP
fsr-3829	25	26	securities	security	NOUN
fsr-3829	25	27	.	.	PUNCT
fsr-3829	26	1	the	the	DET
fsr-3829	26	2	debate	debate	NOUN
fsr-3829	26	3	over	over	ADP
fsr-3829	26	4	what	what	DET
fsr-3829	26	5	type	type	NOUN
fsr-3829	26	6	of	of	ADP
fsr-3829	26	7	derivative	derivative	ADJ
fsr-3829	26	8	activ	activ	NOUN
fsr-3829	26	9	ity	ity	PROPN
fsr-3829	26	10	should	should	AUX
fsr-3829	26	11	be	be	AUX
fsr-3829	26	12	covered	cover	VERB
fsr-3829	26	13	by	by	ADP
fsr-3829	26	14	the	the	DET
fsr-3829	26	15	commodity	commodity	NOUN
fsr-3829	26	16	exchange	exchange	PROPN
fsr-3829	26	17	act	act	NOUN
fsr-3829	26	18	is	be	AUX
fsr-3829	26	19	examined	examine	VERB
fsr-3829	26	20	extensively	extensively	ADV
fsr-3829	26	21	.	.	PUNCT
fsr-3829	27	1	the	the	DET
fsr-3829	27	2	final	final	ADJ
fsr-3829	27	3	chapter	chapter	NOUN
fsr-3829	27	4	in	in	ADP
fsr-3829	27	5	part	part	NOUN
fsr-3829	27	6	ii	ii	PROPN
fsr-3829	27	7	focuses	focus	VERB
fsr-3829	27	8	on	on	ADP
fsr-3829	27	9	the	the	DET
fsr-3829	27	10	issue	issue	NOUN
fsr-3829	27	11	of	of	ADP
fsr-3829	27	12	whether	whether	SCONJ
fsr-3829	27	13	off	off	ADP
fsr-3829	27	14	-	-	PUNCT
fsr-3829	27	15	exchange	exchange	VERB
fsr-3829	27	16	derivative	derivative	ADJ
fsr-3829	27	17	transactions	transaction	NOUN
fsr-3829	27	18	should	should	AUX
fsr-3829	27	19	be	be	AUX
fsr-3829	27	20	subject	subject	ADJ
fsr-3829	27	21	to	to	ADP
fsr-3829	27	22	antifraud	antifraud	PROPN
fsr-3829	27	23	provisions	provision	NOUN
fsr-3829	27	24	of	of	ADP
fsr-3829	27	25	federal	federal	ADJ
fsr-3829	27	26	law	law	NOUN
fsr-3829	27	27	.	.	PUNCT
fsr-3829	28	1	part	part	NOUN
fsr-3829	28	2	iii	iii	NUM
fsr-3829	28	3	demystifies	demystifie	NOUN
fsr-3829	28	4	securitization	securitization	NOUN
fsr-3829	28	5	,	,	PUNCT
fsr-3829	28	6	explaining	explain	VERB
fsr-3829	28	7	the	the	DET
fsr-3829	28	8	process	process	NOUN
fsr-3829	28	9	by	by	ADP
fsr-3829	28	10	which	which	PRON
fsr-3829	28	11	illiquid	illiquid	ADJ
fsr-3829	28	12	loans	loan	NOUN
fsr-3829	28	13	are	be	AUX
fsr-3829	28	14	converted	convert	VERB
fsr-3829	28	15	into	into	ADP
fsr-3829	28	16	securities	security	NOUN
fsr-3829	28	17	.	.	PUNCT
fsr-3829	29	1	a	a	DET
fsr-3829	29	2	thorough	thorough	ADJ
fsr-3829	29	3	discussion	discussion	NOUN
fsr-3829	29	4	of	of	ADP
fsr-3829	29	5	future	future	ADJ
fsr-3829	29	6	prospects	prospect	NOUN
fsr-3829	29	7	for	for	ADP
fsr-3829	29	8	this	this	DET
fsr-3829	29	9	financing	financing	NOUN
fsr-3829	29	10	vehi	vehi	NOUN
fsr-3829	29	11	cle	cle	NOUN
fsr-3829	29	12	is	be	AUX
fsr-3829	29	13	accommodated	accommodate	VERB
fsr-3829	29	14	here	here	ADV
fsr-3829	29	15	as	as	ADV
fsr-3829	29	16	well	well	ADV
fsr-3829	29	17	.	.	PUNCT
fsr-3829	30	1	part	part	NOUN
fsr-3829	30	2	iv	iv	NUM
fsr-3829	30	3	examines	examine	VERB
fsr-3829	30	4	the	the	DET
fsr-3829	30	5	policy	policy	NOUN
fsr-3829	30	6	issues	issue	NOUN
fsr-3829	30	7	related	relate	VERB
fsr-3829	30	8	to	to	ADP
fsr-3829	30	9	the	the	DET
fsr-3829	30	10	growing	grow	VERB
fsr-3829	30	11	popularity	popularity	NOUN
fsr-3829	30	12	of	of	ADP
fsr-3829	30	13	the	the	DET
fsr-3829	30	14	defined	define	VERB
fsr-3829	30	15	contribution	contribution	NOUN
fsr-3829	30	16	pension	pension	NOUN
fsr-3829	30	17	plan	plan	NOUN
fsr-3829	30	18	and	and	CCONJ
fsr-3829	30	19	in	in	ADP
fsr-3829	30	20	particular	particular	ADJ
fsr-3829	30	21	,	,	PUNCT
fsr-3829	30	22	the	the	DET
fsr-3829	30	23	“	"	PUNCT
fsr-3829	30	24	401(k	401(k	PROPN
fsr-3829	30	25	)	)	PUNCT
fsr-3829	30	26	plan	plan	NOUN
fsr-3829	30	27	,	,	PUNCT
fsr-3829	30	28	”	"	PUNCT
fsr-3829	30	29	a	a	DET
fsr-3829	30	30	market	market	NOUN
fsr-3829	30	31	in	in	ADP
fsr-3829	30	32	which	which	PRON
fsr-3829	30	33	banks	bank	NOUN
fsr-3829	30	34	,	,	PUNCT
fsr-3829	30	35	insurance	insurance	NOUN
fsr-3829	30	36	companies	company	NOUN
fsr-3829	30	37	,	,	PUNCT
fsr-3829	30	38	and	and	CCONJ
fsr-3829	30	39	mutual	mutual	ADJ
fsr-3829	30	40	funds	fund	NOUN
fsr-3829	30	41	vigorously	vigorously	ADV
fsr-3829	30	42	compete	compete	VERB
fsr-3829	30	43	.	.	PUNCT
fsr-3829	31	1	reasons	reason	NOUN
fsr-3829	31	2	for	for	ADP
fsr-3829	31	3	the	the	DET
fsr-3829	31	4	popularity	popularity	NOUN
fsr-3829	31	5	of	of	ADP
fsr-3829	31	6	the	the	DET
fsr-3829	31	7	401	401	NUM
fsr-3829	31	8	(	(	PUNCT
fsr-3829	31	9	k	k	NOUN
fsr-3829	31	10	)	)	PUNCT
fsr-3829	31	11	plan	plan	NOUN
fsr-3829	31	12	,	,	PUNCT
fsr-3829	31	13	the	the	DET
fsr-3829	31	14	regulatory	regulatory	ADJ
fsr-3829	31	15	framework	framework	NOUN
fsr-3829	31	16	governing	govern	VERB
fsr-3829	31	17	communications	communication	NOUN
fsr-3829	31	18	to	to	ADP
fsr-3829	31	19	participants	participant	NOUN
fsr-3829	31	20	con	con	PROPN
fsr-3829	31	21	cerning	cerne	VERB
fsr-3829	31	22	their	their	PRON
fsr-3829	31	23	investment	investment	NOUN
fsr-3829	31	24	options	option	NOUN
fsr-3829	31	25	,	,	PUNCT
fsr-3829	31	26	and	and	CCONJ
fsr-3829	31	27	a	a	DET
fsr-3829	31	28	review	review	NOUN
fsr-3829	31	29	of	of	ADP
fsr-3829	31	30	recent	recent	ADJ
fsr-3829	31	31	initiatives	initiative	NOUN
fsr-3829	31	32	of	of	ADP
fsr-3829	31	33	the	the	DET
fsr-3829	31	34	department	department	PROPN
fsr-3829	31	35	of	of	ADP
fsr-3829	31	36	labor	labor	NOUN
fsr-3829	31	37	related	relate	VERB
fsr-3829	31	38	to	to	ADP
fsr-3829	31	39	dc	dc	PROPN
fsr-3829	31	40	plans	plan	NOUN
fsr-3829	31	41	are	be	AUX
fsr-3829	31	42	included	include	VERB
fsr-3829	31	43	in	in	ADP
fsr-3829	31	44	part	part	NOUN
fsr-3829	31	45	iv	iv	NUM
fsr-3829	31	46	.	.	PUNCT
fsr-3829	32	1	in	in	ADP
fsr-3829	32	2	part	part	NOUN
fsr-3829	32	3	v	v	ADP
fsr-3829	32	4	the	the	DET
fsr-3829	32	5	role	role	NOUN
fsr-3829	32	6	of	of	ADP
fsr-3829	32	7	mutual	mutual	ADJ
fsr-3829	32	8	funds	fund	NOUN
fsr-3829	32	9	in	in	ADP
fsr-3829	32	10	corporate	corporate	ADJ
fsr-3829	32	11	governance	governance	NOUN
fsr-3829	32	12	contrasted	contrast	VERB
fsr-3829	32	13	with	with	ADP
fsr-3829	32	14	the	the	DET
fsr-3829	32	15	role	role	NOUN
fsr-3829	32	16	of	of	ADP
fsr-3829	32	17	banks	bank	NOUN
fsr-3829	32	18	and	and	CCONJ
fsr-3829	32	19	insurance	insurance	NOUN
fsr-3829	32	20	companies	company	NOUN
fsr-3829	32	21	is	be	AUX
fsr-3829	32	22	discussed	discuss	VERB
fsr-3829	32	23	.	.	PUNCT
fsr-3829	33	1	the	the	DET
fsr-3829	33	2	issues	issue	NOUN
fsr-3829	33	3	of	of	ADP
fsr-3829	33	4	trading	trading	NOUN
fsr-3829	33	5	versus	versus	ADP
fsr-3829	33	6	monitoring	monitoring	NOUN
fsr-3829	33	7	,	,	PUNCT
fsr-3829	33	8	“	"	PUNCT
fsr-3829	33	9	the	the	DET
fsr-3829	33	10	prisoner	prisoner	NOUN
fsr-3829	33	11	’s	’s	PART
fsr-3829	33	12	dilemma”-type	dilemma”-type	NOUN
fsr-3829	33	13	incentive	incentive	NOUN
fsr-3829	33	14	problems	problem	NOUN
fsr-3829	33	15	driving	drive	VERB
fsr-3829	33	16	shareholder	shareholder	NOUN
fsr-3829	33	17	actions	action	NOUN
fsr-3829	33	18	,	,	PUNCT
fsr-3829	33	19	and	and	CCONJ
fsr-3829	33	20	various	various	ADJ
fsr-3829	33	21	paradoxical	paradoxical	ADJ
fsr-3829	33	22	conflicts	conflict	NOUN
fsr-3829	33	23	of	of	ADP
fsr-3829	33	24	interest	interest	NOUN
fsr-3829	33	25	are	be	AUX
fsr-3829	33	26	identified	identify	VERB
fsr-3829	33	27	and	and	CCONJ
fsr-3829	33	28	provide	provide	VERB
fsr-3829	33	29	interesting	interesting	ADJ
fsr-3829	33	30	reading	reading	NOUN
fsr-3829	33	31	.	.	PUNCT
fsr-3829	34	1	part	part	NOUN
fsr-3829	34	2	vi	vi	PROPN
fsr-3829	34	3	focuses	focus	VERB
fsr-3829	34	4	on	on	ADP
fsr-3829	34	5	issues	issue	NOUN
fsr-3829	34	6	relating	relate	VERB
fsr-3829	34	7	to	to	ADP
fsr-3829	34	8	the	the	DET
fsr-3829	34	9	mutual	mutual	ADJ
fsr-3829	34	10	fund	fund	NOUN
fsr-3829	34	11	industry	industry	NOUN
fsr-3829	34	12	.	.	PUNCT
fsr-3829	35	1	situations	situation	NOUN
fsr-3829	35	2	originating	originate	VERB
fsr-3829	35	3	from	from	ADP
fsr-3829	35	4	the	the	DET
fsr-3829	35	5	growing	grow	VERB
fsr-3829	35	6	use	use	NOUN
fsr-3829	35	7	by	by	ADP
fsr-3829	35	8	mutual	mutual	ADJ
fsr-3829	35	9	funds	fund	NOUN
fsr-3829	35	10	of	of	ADP
fsr-3829	35	11	computer	computer	NOUN
fsr-3829	35	12	networks	network	NOUN
fsr-3829	35	13	and	and	CCONJ
fsr-3829	35	14	other	other	ADJ
fsr-3829	35	15	types	type	NOUN
fsr-3829	35	16	of	of	ADP
fsr-3829	35	17	electronic	electronic	ADJ
fsr-3829	35	18	media	medium	NOUN
fsr-3829	35	19	as	as	ADP
fsr-3829	35	20	a	a	DET
fsr-3829	35	21	means	means	NOUN
fsr-3829	35	22	to	to	PART
fsr-3829	35	23	reach	reach	VERB
fsr-3829	35	24	investors	investor	NOUN
fsr-3829	35	25	are	be	AUX
fsr-3829	35	26	examined	examine	VERB
fsr-3829	35	27	.	.	PUNCT
fsr-3829	36	1	the	the	DET
fsr-3829	36	2	motivation	motivation	NOUN
fsr-3829	36	3	behind	behind	ADP
fsr-3829	36	4	recent	recent	ADJ
fsr-3829	36	5	sec	sec	PROPN
fsr-3829	36	6	reg	reg	NOUN
fsr-3829	36	7	ulations	ulation	NOUN
fsr-3829	36	8	restricting	restrict	VERB
fsr-3829	36	9	money	money	NOUN
fsr-3829	36	10	market	market	NOUN
fsr-3829	36	11	funds	fund	NOUN
fsr-3829	36	12	to	to	ADP
fsr-3829	36	13	investments	investment	NOUN
fsr-3829	36	14	in	in	ADP
fsr-3829	36	15	top	top	ADJ
fsr-3829	36	16	-	-	PUNCT
fsr-3829	36	17	quality	quality	NOUN
fsr-3829	36	18	securities	security	NOUN
fsr-3829	36	19	with	with	ADP
fsr-3829	36	20	low	low	ADJ
fsr-3829	36	21	volatility	volatility	NOUN
fsr-3829	36	22	and	and	CCONJ
fsr-3829	36	23	a	a	DET
fsr-3829	36	24	short	short	ADJ
fsr-3829	36	25	maturity	maturity	NOUN
fsr-3829	36	26	is	be	AUX
fsr-3829	36	27	explained	explain	VERB
fsr-3829	36	28	.	.	PUNCT
fsr-3829	37	1	the	the	DET
fsr-3829	37	2	concluding	conclude	VERB
fsr-3829	37	3	chapter	chapter	NOUN
fsr-3829	37	4	in	in	ADP
fsr-3829	37	5	part	part	NOUN
fsr-3829	37	6	vi	vi	PROPN
fsr-3829	37	7	deals	deal	NOUN
fsr-3829	37	8	with	with	ADP
fsr-3829	37	9	issues	issue	NOUN
fsr-3829	37	10	related	relate	VERB
fsr-3829	37	11	to	to	ADP
fsr-3829	37	12	effectively	effectively	ADV
fsr-3829	37	13	disclosing	disclose	VERB
fsr-3829	37	14	risk	risk	NOUN
fsr-3829	37	15	to	to	ADP
fsr-3829	37	16	mutual	mutual	ADJ
fsr-3829	37	17	fund	fund	NOUN
fsr-3829	37	18	investors	investor	NOUN
fsr-3829	37	19	.	.	PUNCT
fsr-3829	38	1	part	part	NOUN
fsr-3829	38	2	vii	vii	PROPN
fsr-3829	38	3	looks	look	VERB
fsr-3829	38	4	at	at	ADP
fsr-3829	38	5	pooled	pooled	ADJ
fsr-3829	38	6	investment	investment	NOUN
fsr-3829	38	7	management	management	NOUN
fsr-3829	38	8	vehicles	vehicle	NOUN
fsr-3829	38	9	designed	design	VERB
fsr-3829	38	10	for	for	ADP
fsr-3829	38	11	the	the	DET
fsr-3829	38	12	wealthy	wealthy	ADJ
fsr-3829	38	13	and	and	CCONJ
fsr-3829	38	14	non	non	ADJ
fsr-3829	38	15	-	-	ADJ
fsr-3829	38	16	u.s	u.s	PROPN
fsr-3829	38	17	.	.	PROPN
fsr-3829	38	18	investors	investor	NOUN
fsr-3829	38	19	.	.	PUNCT
fsr-3829	39	1	the	the	DET
fsr-3829	39	2	focus	focus	NOUN
fsr-3829	39	3	is	be	AUX
fsr-3829	39	4	on	on	ADP
fsr-3829	39	5	issues	issue	NOUN
fsr-3829	39	6	related	relate	VERB
fsr-3829	39	7	to	to	ADP
fsr-3829	39	8	hedge	hedge	NOUN
fsr-3829	39	9	funds	fund	NOUN
fsr-3829	39	10	,	,	PUNCT
fsr-3829	39	11	which	which	PRON
fsr-3829	39	12	are	be	AUX
fsr-3829	39	13	sold	sell	VERB
fsr-3829	39	14	to	to	ADP
fsr-3829	39	15	wealthy	wealthy	ADJ
fsr-3829	39	16	individuals	individual	NOUN
fsr-3829	39	17	and	and	CCONJ
fsr-3829	39	18	institutions	institution	NOUN
fsr-3829	39	19	and	and	CCONJ
fsr-3829	39	20	avoid	avoid	VERB
fsr-3829	39	21	much	much	ADJ
fsr-3829	39	22	of	of	ADP
fsr-3829	39	23	the	the	DET
fsr-3829	39	24	regulatory	regulatory	ADJ
fsr-3829	39	25	scheme	scheme	NOUN
fsr-3829	39	26	imposed	impose	VERB
fsr-3829	39	27	on	on	ADP
fsr-3829	39	28	mutual	mutual	ADJ
fsr-3829	39	29	funds	fund	NOUN
fsr-3829	39	30	,	,	PUNCT
fsr-3829	39	31	although	although	SCONJ
fsr-3829	39	32	they	they	PRON
fsr-3829	39	33	are	be	AUX
fsr-3829	39	34	structurally	structurally	ADV
fsr-3829	39	35	similar	similar	ADJ
fsr-3829	39	36	to	to	ADP
fsr-3829	39	37	them	they	PRON
fsr-3829	39	38	.	.	PUNCT
fsr-3829	40	1	part	part	NOUN
fsr-3829	40	2	vii	vii	PROPN
fsr-3829	40	3	also	also	ADV
fsr-3829	40	4	looks	look	VERB
fsr-3829	40	5	at	at	ADP
fsr-3829	40	6	offshore	offshore	ADJ
fsr-3829	40	7	investment	investment	NOUN
fsr-3829	40	8	funds	fund	NOUN
fsr-3829	40	9	,	,	PUNCT
fsr-3829	40	10	which	which	PRON
fsr-3829	40	11	are	be	AUX
fsr-3829	40	12	pooled	pool	VERB
fsr-3829	40	13	vehicles	vehicle	NOUN
fsr-3829	40	14	that	that	PRON
fsr-3829	40	15	are	be	AUX
fsr-3829	40	16	established	establish	VERB
fsr-3829	40	17	by	by	ADP
fsr-3829	40	18	u.s	u.s	PROPN
fsr-3829	40	19	.	.	PROPN
fsr-3829	40	20	advisers	adviser	NOUN
fsr-3829	40	21	for	for	ADP
fsr-3829	40	22	non	non	ADJ
fsr-3829	40	23	u.s	u.s	PROPN
fsr-3829	40	24	.	.	PROPN
fsr-3829	40	25	resident	resident	ADJ
fsr-3829	40	26	investors	investor	NOUN
fsr-3829	40	27	.	.	PUNCT
fsr-3829	41	1	the	the	DET
fsr-3829	41	2	final	final	ADJ
fsr-3829	41	3	section	section	NOUN
fsr-3829	41	4	,	,	PUNCT
fsr-3829	41	5	part	part	NOUN
fsr-3829	41	6	viii	viii	ADJ
fsr-3829	41	7	,	,	PUNCT
fsr-3829	41	8	examines	examine	VERB
fsr-3829	41	9	issues	issue	NOUN
fsr-3829	41	10	related	relate	VERB
fsr-3829	41	11	to	to	ADP
fsr-3829	41	12	the	the	DET
fsr-3829	41	13	regulatory	regulatory	ADJ
fsr-3829	41	14	framework	framework	NOUN
fsr-3829	41	15	applying	apply	VERB
fsr-3829	41	16	to	to	ADP
fsr-3829	41	17	mutual	mutual	ADJ
fsr-3829	41	18	funds	fund	NOUN
fsr-3829	41	19	,	,	PUNCT
fsr-3829	41	20	banks	bank	NOUN
fsr-3829	41	21	,	,	PUNCT
fsr-3829	41	22	and	and	CCONJ
fsr-3829	41	23	insurance	insurance	NOUN
fsr-3829	41	24	companies	company	NOUN
fsr-3829	41	25	.	.	PUNCT
fsr-3829	42	1	the	the	DET
fsr-3829	42	2	question	question	NOUN
fsr-3829	42	3	of	of	ADP
fsr-3829	42	4	whether	whether	SCONJ
fsr-3829	42	5	a	a	DET
fsr-3829	42	6	self	self	NOUN
fsr-3829	42	7	regulatory	regulatory	ADJ
fsr-3829	42	8	organization	organization	NOUN
fsr-3829	42	9	similar	similar	ADJ
fsr-3829	42	10	to	to	ADP
fsr-3829	42	11	that	that	PRON
fsr-3829	42	12	which	which	PRON
fsr-3829	42	13	exists	exist	VERB
fsr-3829	42	14	for	for	ADP
fsr-3829	42	15	brokerage	brokerage	NOUN
fsr-3829	42	16	firms	firm	NOUN
fsr-3829	42	17	,	,	PUNCT
fsr-3829	42	18	be	be	AUX
fsr-3829	42	19	established	establish	VERB
fsr-3829	42	20	for	for	ADP
fsr-3829	42	21	mutual	mutual	ADJ
fsr-3829	42	22	funds	fund	NOUN
fsr-3829	42	23	and	and	CCONJ
fsr-3829	42	24	advisers	adviser	NOUN
fsr-3829	42	25	is	be	AUX
fsr-3829	42	26	addressed	address	VERB
fsr-3829	42	27	.	.	PUNCT
fsr-3829	43	1	the	the	DET
fsr-3829	43	2	overlapping	overlap	VERB
fsr-3829	43	3	jurisdictions	jurisdiction	NOUN
fsr-3829	43	4	among	among	ADP
fsr-3829	43	5	federal	federal	ADJ
fsr-3829	43	6	and	and	CCONJ
fsr-3829	43	7	book	book	NOUN
fsr-3829	43	8	,	,	PUNCT
fsr-3829	43	9	software	software	NOUN
fsr-3829	43	10	and	and	CCONJ
fsr-3829	43	11	web	web	NOUN
fsr-3829	43	12	site	site	NOUN
fsr-3829	43	13	reviews	review	VERB
fsr-3829	43	14	223	223	NUM
fsr-3829	43	15	state	state	NOUN
fsr-3829	43	16	regulatory	regulatory	ADJ
fsr-3829	43	17	agencies	agency	NOUN
fsr-3829	43	18	that	that	PRON
fsr-3829	43	19	apply	apply	VERB
fsr-3829	43	20	to	to	ADP
fsr-3829	43	21	financial	financial	ADJ
fsr-3829	43	22	services	service	NOUN
fsr-3829	43	23	regulation	regulation	NOUN
fsr-3829	43	24	are	be	AUX
fsr-3829	43	25	also	also	ADV
fsr-3829	43	26	discussed	discuss	VERB
fsr-3829	43	27	.	.	PUNCT
fsr-3829	44	1	a	a	DET
fsr-3829	44	2	perceptive	perceptive	ADJ
fsr-3829	44	3	look	look	NOUN
fsr-3829	44	4	at	at	ADP
fsr-3829	44	5	the	the	DET
fsr-3829	44	6	changes	change	NOUN
fsr-3829	44	7	in	in	ADP
fsr-3829	44	8	the	the	DET
fsr-3829	44	9	u.s	u.s	PROPN
fsr-3829	44	10	.	.	PROPN
fsr-3829	44	11	financial	financial	ADJ
fsr-3829	44	12	markets	market	NOUN
fsr-3829	44	13	caused	cause	VERB
fsr-3829	44	14	by	by	ADP
fsr-3829	44	15	the	the	DET
fsr-3829	44	16	growth	growth	NOUN
fsr-3829	44	17	and	and	CCONJ
fsr-3829	44	18	expanded	expand	VERB
fsr-3829	44	19	role	role	NOUN
fsr-3829	44	20	of	of	ADP
fsr-3829	44	21	mutual	mutual	ADJ
fsr-3829	44	22	funds	fund	NOUN
fsr-3829	44	23	provides	provide	VERB
fsr-3829	44	24	stimulating	stimulating	ADJ
fsr-3829	44	25	insight	insight	NOUN
fsr-3829	44	26	.	.	PUNCT
fsr-3829	45	1	an	an	DET
fsr-3829	45	2	explanation	explanation	NOUN
fsr-3829	45	3	of	of	ADP
fsr-3829	45	4	functional	functional	ADJ
fsr-3829	45	5	regulation	regulation	NOUN
fsr-3829	45	6	,	,	PUNCT
fsr-3829	45	7	a	a	DET
fsr-3829	45	8	structure	structure	NOUN
fsr-3829	45	9	where	where	SCONJ
fsr-3829	45	10	financial	financial	ADJ
fsr-3829	45	11	activity	activity	NOUN
fsr-3829	45	12	is	be	AUX
fsr-3829	45	13	regulated	regulate	VERB
fsr-3829	45	14	by	by	ADP
fsr-3829	45	15	the	the	DET
fsr-3829	45	16	same	same	ADJ
fsr-3829	45	17	regulator	regulator	NOUN
fsr-3829	45	18	regardless	regardless	ADV
fsr-3829	45	19	of	of	ADP
fsr-3829	45	20	the	the	DET
fsr-3829	45	21	type	type	NOUN
fsr-3829	45	22	of	of	ADP
fsr-3829	45	23	financial	financial	ADJ
fsr-3829	45	24	institution	institution	NOUN
fsr-3829	45	25	conducting	conduct	VERB
fsr-3829	45	26	the	the	DET
fsr-3829	45	27	activity	activity	NOUN
fsr-3829	45	28	may	may	AUX
fsr-3829	45	29	serve	serve	VERB
fsr-3829	45	30	as	as	ADP
fsr-3829	45	31	a	a	DET
fsr-3829	45	32	preview	preview	NOUN
fsr-3829	45	33	of	of	ADP
fsr-3829	45	34	future	future	ADJ
fsr-3829	45	35	regulatory	regulatory	ADJ
fsr-3829	45	36	strategy	strategy	NOUN
fsr-3829	45	37	.	.	PUNCT
fsr-3829	46	1	part	part	NOUN
fsr-3829	46	2	viii	viii	PROPN
fsr-3829	46	3	’s	’s	PART
fsr-3829	46	4	discussion	discussion	NOUN
fsr-3829	46	5	is	be	AUX
fsr-3829	46	6	concluded	conclude	VERB
fsr-3829	46	7	by	by	ADP
fsr-3829	46	8	contrasting	contrast	VERB
fsr-3829	46	9	the	the	DET
fsr-3829	46	10	various	various	ADJ
fsr-3829	46	11	regula	regula	NOUN
fsr-3829	46	12	tory	tory	NOUN
fsr-3829	46	13	methods	method	NOUN
fsr-3829	46	14	used	use	VERB
fsr-3829	46	15	to	to	PART
fsr-3829	46	16	regulate	regulate	VERB
fsr-3829	46	17	risk	risk	NOUN
fsr-3829	46	18	in	in	ADP
fsr-3829	46	19	the	the	DET
fsr-3829	46	20	financial	financial	ADJ
fsr-3829	46	21	services	service	NOUN
fsr-3829	46	22	industry	industry	NOUN
fsr-3829	46	23	.	.	PUNCT
fsr-3829	47	1	wealth	wealth	NOUN
fsr-3829	47	2	management	management	NOUN
fsr-3829	47	3	.	.	PUNCT
fsr-3829	48	1	harold	harold	PROPN
fsr-3829	48	2	evensky	evensky	PROPN
fsr-3829	48	3	chicago	chicago	PROPN
fsr-3829	48	4	,	,	PUNCT
fsr-3829	48	5	il	il	PROPN
fsr-3829	48	6	:	:	PUNCT
fsr-3829	48	7	irwin	irwin	PROPN
fsr-3829	48	8	professional	professional	ADJ
fsr-3829	48	9	publishing	publishing	NOUN
fsr-3829	48	10	;	;	PUNCT
fsr-3829	48	11	1997	1997	NUM
fsr-3829	48	12	(	(	PUNCT
fsr-3829	48	13	isbn	isbn	PROPN
fsr-3829	48	14	o-7863	o-7863	PROPN
fsr-3829	48	15	-	-	PUNCT
fsr-3829	48	16	0478	0478	NUM
fsr-3829	48	17	-	-	SYM
fsr-3829	48	18	2	2	NUM
fsr-3829	48	19	)	)	PUNCT
fsr-3829	48	20	reviewed	review	VERB
fsr-3829	48	21	by	by	ADP
fsr-3829	48	22	:	:	PUNCT
fsr-3829	48	23	dale	dale	PROPN
fsr-3829	48	24	l.	l.	PROPN
fsr-3829	48	25	domian	domian	PROPN
fsr-3829	48	26	,	,	PUNCT
fsr-3829	48	27	associate	associate	ADJ
fsr-3829	48	28	professor	professor	NOUN
fsr-3829	48	29	of	of	ADP
fsr-3829	48	30	finance	finance	NOUN
fsr-3829	48	31	,	,	PUNCT
fsr-3829	48	32	memorial	memorial	ADJ
fsr-3829	48	33	university	university	NOUN
fsr-3829	48	34	of	of	ADP
fsr-3829	48	35	newfoundland	newfoundland	PROPN
fsr-3829	48	36	.	.	PUNCT
fsr-3829	49	1	harold	harold	PROPN
fsr-3829	49	2	evensky	evensky	PROPN
fsr-3829	49	3	’s	’s	PART
fsr-3829	49	4	wealth	wealth	NOUN
fsr-3829	49	5	management	management	NOUN
fsr-3829	49	6	provides	provide	VERB
fsr-3829	49	7	a	a	DET
fsr-3829	49	8	comprehensive	comprehensive	ADJ
fsr-3829	49	9	and	and	CCONJ
fsr-3829	49	10	informative	informative	ADJ
fsr-3829	49	11	guide	guide	NOUN
fsr-3829	49	12	to	to	ADP
fsr-3829	49	13	financial	financial	ADJ
fsr-3829	49	14	planning	planning	NOUN
fsr-3829	49	15	.	.	PUNCT
fsr-3829	50	1	as	as	SCONJ
fsr-3829	50	2	noted	note	VERB
fsr-3829	50	3	by	by	ADP
fsr-3829	50	4	pahl	pahl	PROPN
fsr-3829	50	5	(	(	PUNCT
fsr-3829	50	6	1996	1996	NUM
fsr-3829	50	7	)	)	PUNCT
fsr-3829	50	8	,	,	PUNCT
fsr-3829	50	9	there	there	PRON
fsr-3829	50	10	are	be	VERB
fsr-3829	50	11	several	several	ADJ
fsr-3829	50	12	key	key	ADJ
fsr-3829	50	13	steps	step	NOUN
fsr-3829	50	14	to	to	ADP
fsr-3829	50	15	the	the	DET
fsr-3829	50	16	financial	financial	ADJ
fsr-3829	50	17	planning	planning	NOUN
fsr-3829	50	18	process	process	NOUN
fsr-3829	50	19	,	,	PUNCT
fsr-3829	50	20	including	include	VERB
fsr-3829	50	21	gathering	gather	VERB
fsr-3829	50	22	data	datum	NOUN
fsr-3829	50	23	to	to	PART
fsr-3829	50	24	identify	identify	VERB
fsr-3829	50	25	the	the	DET
fsr-3829	50	26	client	client	NOUN
fsr-3829	50	27	’s	’s	PART
fsr-3829	50	28	objectives	objective	NOUN
fsr-3829	50	29	,	,	PUNCT
fsr-3829	50	30	developing	develop	VERB
fsr-3829	50	31	the	the	DET
fsr-3829	50	32	financial	financial	ADJ
fsr-3829	50	33	plan	plan	NOUN
fsr-3829	50	34	,	,	PUNCT
fsr-3829	50	35	and	and	CCONJ
fsr-3829	50	36	implementing	implement	VERB
fsr-3829	50	37	and	and	CCONJ
fsr-3829	50	38	monitoring	monitor	VERB
fsr-3829	50	39	the	the	DET
fsr-3829	50	40	results	result	NOUN
fsr-3829	50	41	.	.	PUNCT
fsr-3829	51	1	while	while	SCONJ
fsr-3829	51	2	some	some	DET
fsr-3829	51	3	planners	planner	NOUN
fsr-3829	51	4	may	may	AUX
fsr-3829	51	5	focus	focus	VERB
fsr-3829	51	6	on	on	ADP
fsr-3829	51	7	specific	specific	ADJ
fsr-3829	51	8	areas	area	NOUN
fsr-3829	51	9	such	such	ADJ
fsr-3829	51	10	as	as	ADP
fsr-3829	51	11	tax	tax	NOUN
fsr-3829	51	12	or	or	CCONJ
fsr-3829	51	13	estate	estate	NOUN
fsr-3829	51	14	planning	planning	NOUN
fsr-3829	51	15	,	,	PUNCT
fsr-3829	51	16	others	other	NOUN
fsr-3829	51	17	take	take	VERB
fsr-3829	51	18	a	a	DET
fsr-3829	51	19	broader	broad	ADJ
fsr-3829	51	20	perspective	perspective	NOUN
fsr-3829	51	21	to	to	PART
fsr-3829	51	22	include	include	VERB
fsr-3829	51	23	all	all	DET
fsr-3829	51	24	aspects	aspect	NOUN
fsr-3829	51	25	of	of	ADP
fsr-3829	51	26	their	their	PRON
fsr-3829	51	27	clients	client	NOUN
fsr-3829	51	28	’	’	PART
fsr-3829	51	29	financial	financial	ADJ
fsr-3829	51	30	lives	life	NOUN
fsr-3829	51	31	.	.	PUNCT
fsr-3829	52	1	wealth	wealth	NOUN
fsr-3829	52	2	management	management	NOUN
fsr-3829	52	3	is	be	AUX
fsr-3829	52	4	directed	direct	VERB
fsr-3829	52	5	toward	toward	ADP
fsr-3829	52	6	the	the	DET
fsr-3829	52	7	latter	latter	ADJ
fsr-3829	52	8	group	group	NOUN
fsr-3829	52	9	,	,	PUNCT
fsr-3829	52	10	presenting	present	VERB
fsr-3829	52	11	a	a	DET
fsr-3829	52	12	broad	broad	ADJ
fsr-3829	52	13	holistic	holistic	ADJ
fsr-3829	52	14	approach	approach	NOUN
fsr-3829	52	15	for	for	ADP
fsr-3829	52	16	practitioners	practitioner	NOUN
fsr-3829	52	17	who	who	PRON
fsr-3829	52	18	truly	truly	ADV
fsr-3829	52	19	are	be	AUX
fsr-3829	52	20	“	"	PUNCT
fsr-3829	52	21	wealth	wealth	NOUN
fsr-3829	52	22	managers	manager	NOUN
fsr-3829	52	23	.	.	PUNCT
fsr-3829	52	24	”	"	PUNCT
fsr-3829	53	1	an	an	DET
fsr-3829	53	2	underlying	underlie	VERB
fsr-3829	53	3	theme	theme	NOUN
fsr-3829	53	4	is	be	AUX
fsr-3829	53	5	that	that	SCONJ
fsr-3829	53	6	investment	investment	NOUN
fsr-3829	53	7	recommendations	recommendation	NOUN
fsr-3829	53	8	should	should	AUX
fsr-3829	53	9	be	be	AUX
fsr-3829	53	10	consistent	consistent	ADJ
fsr-3829	53	11	with	with	ADP
fsr-3829	53	12	results	result	NOUN
fsr-3829	53	13	from	from	ADP
fsr-3829	53	14	academic	academic	ADJ
fsr-3829	53	15	and	and	CCONJ
fsr-3829	53	16	professional	professional	ADJ
fsr-3829	53	17	research	research	NOUN
fsr-3829	53	18	.	.	PUNCT
fsr-3829	54	1	evensky	evensky	ADJ
fsr-3829	54	2	champions	champion	NOUN
fsr-3829	54	3	the	the	DET
fsr-3829	54	4	work	work	NOUN
fsr-3829	54	5	of	of	ADP
fsr-3829	54	6	brinson	brinson	PROPN
fsr-3829	54	7	,	,	PUNCT
fsr-3829	54	8	hood	hood	NOUN
fsr-3829	54	9	,	,	PUNCT
fsr-3829	54	10	and	and	CCONJ
fsr-3829	54	11	beebower	beebower	X
fsr-3829	54	12	(	(	PUNCT
fsr-3829	54	13	1986	1986	NUM
fsr-3829	54	14	)	)	PUNCT
fsr-3829	54	15	,	,	PUNCT
fsr-3829	54	16	who	who	PRON
fsr-3829	54	17	show	show	VERB
fsr-3829	54	18	that	that	SCONJ
fsr-3829	54	19	94	94	NUM
fsr-3829	54	20	percent	percent	NOUN
fsr-3829	54	21	of	of	ADP
fsr-3829	54	22	the	the	DET
fsr-3829	54	23	variation	variation	NOUN
fsr-3829	54	24	in	in	ADP
fsr-3829	54	25	portfolio	portfolio	NOUN
fsr-3829	54	26	returns	return	NOUN
fsr-3829	54	27	is	be	AUX
fsr-3829	54	28	attributable	attributable	ADJ
fsr-3829	54	29	to	to	ADP
fsr-3829	54	30	asset	asset	NOUN
fsr-3829	54	31	allocation	allocation	NOUN
fsr-3829	54	32	,	,	PUNCT
fsr-3829	54	33	with	with	ADP
fsr-3829	54	34	just	just	ADV
fsr-3829	54	35	4	4	NUM
fsr-3829	54	36	percent	percent	NOUN
fsr-3829	54	37	due	due	ADP
fsr-3829	54	38	to	to	ADP
fsr-3829	54	39	security	security	NOUN
fsr-3829	54	40	selection	selection	NOUN
fsr-3829	54	41	and	and	CCONJ
fsr-3829	54	42	only	only	ADV
fsr-3829	54	43	2	2	NUM
fsr-3829	54	44	percent	percent	NOUN
fsr-3829	54	45	from	from	ADP
fsr-3829	54	46	market	market	NOUN
fsr-3829	54	47	timing	timing	NOUN
fsr-3829	54	48	.	.	PUNCT
fsr-3829	55	1	the	the	DET
fsr-3829	55	2	book	book	NOUN
fsr-3829	55	3	also	also	ADV
fsr-3829	55	4	recommends	recommend	VERB
fsr-3829	55	5	that	that	SCONJ
fsr-3829	55	6	projections	projection	NOUN
fsr-3829	55	7	of	of	ADP
fsr-3829	55	8	real	real	ADJ
fsr-3829	55	9	returns	return	NOUN
fsr-3829	55	10	and	and	CCONJ
fsr-3829	55	11	risk	risk	NOUN
fsr-3829	55	12	premiums	premium	NOUN
fsr-3829	55	13	be	be	AUX
fsr-3829	55	14	based	base	VERB
fsr-3829	55	15	on	on	ADP
fsr-3829	55	16	historical	historical	ADJ
fsr-3829	55	17	data	datum	NOUN
fsr-3829	55	18	,	,	PUNCT
fsr-3829	55	19	such	such	ADJ
fsr-3829	55	20	as	as	ADP
fsr-3829	55	21	the	the	DET
fsr-3829	55	22	well	well	ADV
fsr-3829	55	23	-	-	PUNCT
fsr-3829	55	24	known	know	VERB
fsr-3829	55	25	ibbotson	ibbotson	PROPN
fsr-3829	55	26	series	series	PROPN
fsr-3829	55	27	.	.	PUNCT
fsr-3829	56	1	a	a	DET
fsr-3829	56	2	wealth	wealth	NOUN
fsr-3829	56	3	manager	manager	NOUN
fsr-3829	56	4	can	can	AUX
fsr-3829	56	5	then	then	ADV
fsr-3829	56	6	determine	determine	VERB
fsr-3829	56	7	an	an	DET
fsr-3829	56	8	asset	asset	NOUN
fsr-3829	56	9	allocation	allocation	NOUN
fsr-3829	56	10	which	which	PRON
fsr-3829	56	11	minimizes	minimize	VERB
fsr-3829	56	12	risk	risk	NOUN
fsr-3829	56	13	,	,	PUNCT
fsr-3829	56	14	while	while	SCONJ
fsr-3829	56	15	at	at	ADP
fsr-3829	56	16	the	the	DET
fsr-3829	56	17	same	same	ADJ
fsr-3829	56	18	time	time	NOUN
fsr-3829	56	19	providing	provide	VERB
fsr-3829	56	20	a	a	DET
fsr-3829	56	21	sufficiently	sufficiently	ADV
fsr-3829	56	22	high	high	ADJ
fsr-3829	56	23	expected	expect	VERB
fsr-3829	56	24	return	return	NOUN
fsr-3829	56	25	to	to	PART
fsr-3829	56	26	meet	meet	VERB
fsr-3829	56	27	the	the	DET
fsr-3829	56	28	client	client	NOUN
fsr-3829	56	29	’s	’s	PART
fsr-3829	56	30	needs	need	NOUN
fsr-3829	56	31	.	.	PUNCT
fsr-3829	57	1	the	the	DET
fsr-3829	57	2	book	book	NOUN
fsr-3829	57	3	is	be	AUX
fsr-3829	57	4	organized	organize	VERB
fsr-3829	57	5	in	in	ADP
fsr-3829	57	6	16	16	NUM
fsr-3829	57	7	chapters	chapter	NOUN
fsr-3829	57	8	which	which	PRON
fsr-3829	57	9	progress	progress	VERB
fsr-3829	57	10	through	through	ADP
fsr-3829	57	11	the	the	DET
fsr-3829	57	12	key	key	ADJ
fsr-3829	57	13	steps	step	NOUN
fsr-3829	57	14	of	of	ADP
fsr-3829	57	15	the	the	DET
fsr-3829	57	16	wealth	wealth	NOUN
fsr-3829	57	17	management	management	NOUN
fsr-3829	57	18	process	process	NOUN
fsr-3829	57	19	.	.	PUNCT
fsr-3829	58	1	the	the	DET
fsr-3829	58	2	first	first	ADJ
fsr-3829	58	3	five	five	NUM
fsr-3829	58	4	chapters	chapter	NOUN
fsr-3829	58	5	focus	focus	VERB
fsr-3829	58	6	on	on	ADP
fsr-3829	58	7	the	the	DET
fsr-3829	58	8	importance	importance	NOUN
fsr-3829	58	9	of	of	ADP
fsr-3829	58	10	a	a	DET
fsr-3829	58	11	two	two	NUM
fsr-3829	58	12	-	-	PUNCT
fsr-3829	58	13	way	way	NOUN
fsr-3829	58	14	exchange	exchange	NOUN
fsr-3829	58	15	of	of	ADP
fsr-3829	58	16	information	information	NOUN
fsr-3829	58	17	between	between	ADP
fsr-3829	58	18	wealth	wealth	NOUN
fsr-3829	58	19	managers	manager	NOUN
fsr-3829	58	20	and	and	CCONJ
fsr-3829	58	21	clients	client	NOUN
fsr-3829	58	22	.	.	PUNCT
fsr-3829	59	1	evensky	evensky	PROPN
fsr-3829	59	2	provides	provide	VERB
fsr-3829	59	3	his	his	PRON
fsr-3829	59	4	per	per	ADP
fsr-3829	59	5	sonal	sonal	ADJ
fsr-3829	59	6	insights	insight	NOUN
fsr-3829	59	7	on	on	ADP
fsr-3829	59	8	gathering	gather	VERB
fsr-3829	59	9	information	information	NOUN
fsr-3829	59	10	from	from	ADP
fsr-3829	59	11	clients	client	NOUN
fsr-3829	59	12	,	,	PUNCT
fsr-3829	59	13	and	and	CCONJ
fsr-3829	59	14	on	on	ADP
fsr-3829	59	15	explaining	explain	VERB
fsr-3829	59	16	important	important	ADJ
fsr-3829	59	17	finance	finance	NOUN
fsr-3829	59	18	principles	principle	NOUN
fsr-3829	59	19	so	so	SCONJ
fsr-3829	59	20	that	that	SCONJ
fsr-3829	59	21	clients	client	NOUN
fsr-3829	59	22	will	will	AUX
fsr-3829	59	23	have	have	VERB
fsr-3829	59	24	realistic	realistic	ADJ
fsr-3829	59	25	goals	goal	NOUN
fsr-3829	59	26	on	on	ADP
fsr-3829	59	27	what	what	PRON
fsr-3829	59	28	is	be	AUX
fsr-3829	59	29	obtainable	obtainable	ADJ
fsr-3829	59	30	.	.	PUNCT
fsr-3829	60	1	the	the	DET
fsr-3829	60	2	section	section	NOUN
fsr-3829	60	3	on	on	ADP
fsr-3829	60	4	taxes	taxis	NOUN
fsr-3829	60	5	includes	include	VERB
fsr-3829	60	6	a	a	DET
fsr-3829	60	7	discussion	discussion	NOUN
fsr-3829	60	8	of	of	ADP
fsr-3829	60	9	portfolio	portfolio	NOUN
fsr-3829	60	10	tax	tax	NOUN
fsr-3829	60	11	management	management	NOUN
fsr-3829	60	12	,	,	PUNCT
fsr-3829	60	13	refuting	refute	VERB
fsr-3829	60	14	claims	claim	NOUN
fsr-3829	60	15	that	that	SCONJ
fsr-3829	60	16	substantial	substantial	ADJ
fsr-3829	60	17	gains	gain	NOUN
fsr-3829	60	18	are	be	AUX
fsr-3829	60	19	available	available	ADJ
fsr-3829	60	20	from	from	ADP
fsr-3829	60	21	active	active	ADJ
fsr-3829	60	22	tax	tax	NOUN
fsr-3829	60	23	management	management	NOUN
fsr-3829	60	24	strategies	strategy	NOUN
fsr-3829	60	25	.	.	PUNCT
fsr-3829	61	1	chapters	chapter	NOUN
fsr-3829	61	2	6	6	NUM
fsr-3829	61	3	and	and	CCONJ
fsr-3829	61	4	7	7	NUM
fsr-3829	61	5	provide	provide	VERB
fsr-3829	61	6	a	a	DET
fsr-3829	61	7	concise	concise	ADJ
fsr-3829	61	8	overview	overview	NOUN
fsr-3829	61	9	of	of	ADP
fsr-3829	61	10	statistics	statistic	NOUN
fsr-3829	61	11	and	and	CCONJ
fsr-3829	61	12	portfolio	portfolio	NOUN
fsr-3829	61	13	theory	theory	NOUN
fsr-3829	61	14	.	.	PUNCT
fsr-3829	62	1	unfor	unfor	ADP
fsr-3829	62	2	tunately	tunately	ADV
fsr-3829	62	3	,	,	PUNCT
fsr-3829	62	4	several	several	ADJ
fsr-3829	62	5	formulas	formula	NOUN
fsr-3829	62	6	contain	contain	VERB
fsr-3829	62	7	errors	error	NOUN
fsr-3829	62	8	,	,	PUNCT
fsr-3829	62	9	and	and	CCONJ
fsr-3829	62	10	some	some	PRON
fsr-3829	62	11	of	of	ADP
fsr-3829	62	12	the	the	DET
fsr-3829	62	13	explanations	explanation	NOUN
fsr-3829	62	14	are	be	AUX
fsr-3829	62	15	imprecise	imprecise	ADV
fsr-3829	62	16	.	.	PUNCT
fsr-3829	63	1	readers	reader	NOUN
fsr-3829	63	2	without	without	ADP
fsr-3829	63	3	previous	previous	ADJ
fsr-3829	63	4	training	training	NOUN
fsr-3829	63	5	in	in	ADP
fsr-3829	63	6	investment	investment	NOUN
fsr-3829	63	7	mathematics	mathematic	NOUN
fsr-3829	63	8	could	could	AUX
fsr-3829	63	9	be	be	AUX
fsr-3829	63	10	better	well	ADV
fsr-3829	63	11	served	serve	VERB
fsr-3829	63	12	by	by	ADP
fsr-3829	63	13	the	the	DET
fsr-3829	63	14	more	more	ADV
fsr-3829	63	15	detailed	detailed	ADJ
fsr-3829	63	16	treatment	treatment	NOUN
fsr-3829	63	17	in	in	ADP
fsr-3829	63	18	most	most	ADJ
fsr-3829	63	19	investment	investment	NOUN
fsr-3829	63	20	textbooks	textbook	NOUN
fsr-3829	63	21	(	(	PUNCT
fsr-3829	63	22	e.g.	e.g.	ADV
fsr-3829	63	23	,	,	PUNCT
fsr-3829	63	24	sharpe	sharpe	PROPN
fsr-3829	63	25	,	,	PUNCT
fsr-3829	63	26	alexander	alexander	PROPN
fsr-3829	63	27	,	,	PUNCT
fsr-3829	63	28	and	and	CCONJ
fsr-3829	63	29	bailey	bailey	PROPN
fsr-3829	63	30	[	[	PUNCT
fsr-3829	63	31	19951	19951	NUM
fsr-3829	63	32	)	)	PUNCT
fsr-3829	63	33	.	.	PUNCT
fsr-3829	64	1	asset	asset	NOUN
fsr-3829	64	2	allocation	allocation	NOUN
fsr-3829	64	3	models	model	NOUN
fsr-3829	64	4	and	and	CCONJ
fsr-3829	64	5	the	the	DET
fsr-3829	64	6	development	development	NOUN
fsr-3829	64	7	of	of	ADP
fsr-3829	64	8	investment	investment	NOUN
fsr-3829	64	9	policies	policy	NOUN
fsr-3829	64	10	are	be	AUX
fsr-3829	64	11	considered	consider	VERB
fsr-3829	64	12	in	in	ADP
fsr-3829	64	13	chapters	chapter	NOUN
fsr-3829	64	14	8	8	NUM
fsr-3829	64	15	through	through	ADP
fsr-3829	64	16	10	10	NUM
fsr-3829	64	17	.	.	PUNCT
fsr-3829	65	1	the	the	DET
fsr-3829	65	2	use	use	NOUN
fsr-3829	65	3	of	of	ADP
fsr-3829	65	4	mathematical	mathematical	ADJ
fsr-3829	65	5	optimizers	optimizer	NOUN
fsr-3829	65	6	is	be	AUX
fsr-3829	65	7	recommended	recommend	VERB
fsr-3829	65	8	,	,	PUNCT
fsr-3829	65	9	with	with	ADP
fsr-3829	65	10	the	the	PRON