id	sid	tid	token	lemma	pos
fsr-3855	1	1	pii	pii	PROPN
fsr-3855	1	2	:	:	PUNCT
fsr-3855	1	3	s1057	s1057	NOUN
fsr-3855	1	4	-	-	PUNCT
fsr-3855	1	5	0810(99)00002	0810(99)00002	NOUN
fsr-3855	1	6	-	-	PUNCT
fsr-3855	1	7	5	5	NUM
fsr-3855	1	8	from	from	ADP
fsr-3855	1	9	the	the	DET
fsr-3855	1	10	editor	editor	NOUN
fsr-3855	1	11	karen	karen	PROPN
fsr-3855	1	12	eilers	eiler	VERB
fsr-3855	2	1	lahey	lahey	PROPN
fsr-3855	2	2	i	i	PRON
fsr-3855	2	3	am	be	AUX
fsr-3855	2	4	delighted	delighted	ADJ
fsr-3855	2	5	to	to	PART
fsr-3855	2	6	tell	tell	VERB
fsr-3855	2	7	you	you	PRON
fsr-3855	2	8	that	that	SCONJ
fsr-3855	2	9	three	three	NUM
fsr-3855	2	10	of	of	ADP
fsr-3855	2	11	the	the	DET
fsr-3855	2	12	articles	article	NOUN
fsr-3855	2	13	that	that	PRON
fsr-3855	2	14	are	be	AUX
fsr-3855	2	15	being	be	AUX
fsr-3855	2	16	published	publish	VERB
fsr-3855	2	17	in	in	ADP
fsr-3855	2	18	this	this	DET
fsr-3855	2	19	issue	issue	NOUN
fsr-3855	2	20	are	be	AUX
fsr-3855	2	21	recipients	recipient	NOUN
fsr-3855	2	22	of	of	ADP
fsr-3855	2	23	the	the	DET
fsr-3855	2	24	paper	paper	NOUN
fsr-3855	2	25	awards	award	NOUN
fsr-3855	2	26	given	give	VERB
fsr-3855	2	27	for	for	ADP
fsr-3855	2	28	manuscripts	manuscript	NOUN
fsr-3855	2	29	presented	present	VERB
fsr-3855	2	30	at	at	ADP
fsr-3855	2	31	the	the	DET
fsr-3855	2	32	1998academy	1998academy	NUM
fsr-3855	2	33	of	of	ADP
fsr-3855	2	34	financial	financial	ADJ
fsr-3855	2	35	servicesannual	servicesannual	ADJ
fsr-3855	2	36	meeting	meeting	NOUN
fsr-3855	2	37	.	.	PUNCT
fsr-3855	3	1	the	the	DET
fsr-3855	3	2	first	first	ADJ
fsr-3855	3	3	award	award	NOUN
fsr-3855	3	4	is	be	AUX
fsr-3855	3	5	provided	provide	VERB
fsr-3855	3	6	bythe	bythe	ADP
fsr-3855	3	7	association	association	NOUN
fsr-3855	3	8	of	of	ADP
fsr-3855	3	9	individual	individual	ADJ
fsr-3855	3	10	investors	investor	NOUN
fsr-3855	3	11	and	and	CCONJ
fsr-3855	3	12	is	be	AUX
fsr-3855	3	13	given	give	VERB
fsr-3855	3	14	to	to	ADP
fsr-3855	3	15	dale	dale	PROPN
fsr-3855	3	16	domian	domian	PROPN
fsr-3855	3	17	,	,	PUNCT
fsr-3855	3	18	david	david	PROPN
fsr-3855	3	19	a.	a.	PROPN
fsr-3855	3	20	louton	louton	PROPN
fsr-3855	3	21	,	,	PUNCT
fsr-3855	3	22	and	and	CCONJ
fsr-3855	3	23	charles	charles	PROPN
fsr-3855	3	24	e.	e.	PROPN
fsr-3855	3	25	mossman	mossman	PROPN
fsr-3855	3	26	for	for	ADP
fsr-3855	3	27	their	their	PRON
fsr-3855	3	28	presentation	presentation	NOUN
fsr-3855	3	29	entitled	entitle	VERB
fsr-3855	3	30	,	,	PUNCT
fsr-3855	3	31	“	"	PUNCT
fsr-3855	3	32	the	the	DET
fsr-3855	3	33	rise	rise	NOUN
fsr-3855	3	34	and	and	CCONJ
fsr-3855	3	35	fall	fall	NOUN
fsr-3855	3	36	of	of	ADP
fsr-3855	3	37	the	the	DET
fsr-3855	3	38	‘	'	PUNCT
fsr-3855	3	39	dogs	dog	NOUN
fsr-3855	3	40	of	of	ADP
fsr-3855	3	41	the	the	DET
fsr-3855	3	42	dow	dow	NOUN
fsr-3855	3	43	.	.	PUNCT
fsr-3855	3	44	’	'	PUNCT
fsr-3855	3	45	”	"	PUNCT
fsr-3855	3	46	they	they	PRON
fsr-3855	3	47	provide	provide	VERB
fsr-3855	3	48	an	an	DET
fsr-3855	3	49	explanation	explanation	NOUN
fsr-3855	3	50	of	of	ADP
fsr-3855	3	51	why	why	SCONJ
fsr-3855	3	52	this	this	DET
fsr-3855	3	53	simple	simple	ADJ
fsr-3855	3	54	decision	decision	NOUN
fsr-3855	3	55	rule	rule	NOUN
fsr-3855	3	56	for	for	ADP
fsr-3855	3	57	investing	invest	VERB
fsr-3855	3	58	in	in	ADP
fsr-3855	3	59	the	the	DET
fsr-3855	3	60	dow	dow	PROPN
fsr-3855	3	61	stocks	stock	NOUN
fsr-3855	3	62	originally	originally	ADV
fsr-3855	3	63	worked	work	VERB
fsr-3855	3	64	and	and	CCONJ
fsr-3855	3	65	no	no	ADV
fsr-3855	3	66	longer	long	ADV
fsr-3855	3	67	is	be	AUX
fsr-3855	3	68	successful	successful	ADJ
fsr-3855	3	69	.	.	PUNCT
fsr-3855	4	1	the	the	DET
fsr-3855	4	2	second	second	ADJ
fsr-3855	4	3	award	award	NOUN
fsr-3855	4	4	is	be	AUX
fsr-3855	4	5	provided	provide	VERB
fsr-3855	4	6	by	by	ADP
fsr-3855	4	7	theamerican	theamerican	ADJ
fsr-3855	4	8	college	college	NOUN
fsr-3855	4	9	and	and	CCONJ
fsr-3855	4	10	the	the	DET
fsr-3855	4	11	recipients	recipient	NOUN
fsr-3855	4	12	are	be	AUX
fsr-3855	4	13	chris	chris	PROPN
fsr-3855	4	14	robinson	robinson	PROPN
fsr-3855	4	15	and	and	CCONJ
fsr-3855	4	16	elton	elton	PROPN
fsr-3855	4	17	g.	g.	PROPN
fsr-3855	4	18	mcgoun	mcgoun	PROPN
fsr-3855	4	19	for	for	SCONJ
fsr-3855	4	20	their	their	PRON
fsr-3855	4	21	presentation	presentation	NOUN
fsr-3855	4	22	entitled	entitle	VERB
fsr-3855	4	23	,	,	PUNCT
fsr-3855	4	24	“	"	PUNCT
fsr-3855	4	25	the	the	DET
fsr-3855	4	26	sociology	sociology	NOUN
fsr-3855	4	27	of	of	ADP
fsr-3855	4	28	personal	personal	ADJ
fsr-3855	4	29	finance	finance	NOUN
fsr-3855	4	30	.	.	PUNCT
fsr-3855	4	31	”	"	PUNCT
fsr-3855	5	1	this	this	DET
fsr-3855	5	2	theoretical	theoretical	ADJ
fsr-3855	5	3	piece	piece	NOUN
fsr-3855	5	4	discusses	discuss	VERB
fsr-3855	5	5	how	how	SCONJ
fsr-3855	5	6	individuals	individual	NOUN
fsr-3855	5	7	view	view	VERB
fsr-3855	5	8	the	the	DET
fsr-3855	5	9	subject	subject	NOUN
fsr-3855	5	10	of	of	ADP
fsr-3855	5	11	money	money	NOUN
fsr-3855	5	12	and	and	CCONJ
fsr-3855	5	13	the	the	DET
fsr-3855	5	14	rational	rational	ADJ
fsr-3855	5	15	behavior	behavior	NOUN
fsr-3855	5	16	assumption	assumption	NOUN
fsr-3855	5	17	that	that	PRON
fsr-3855	5	18	underlies	underlie	VERB
fsr-3855	5	19	the	the	DET
fsr-3855	5	20	finance	finance	NOUN
fsr-3855	5	21	discipline	discipline	NOUN
fsr-3855	5	22	’s	’s	PART
fsr-3855	5	23	view	view	NOUN
fsr-3855	5	24	of	of	ADP
fsr-3855	5	25	personal	personal	ADJ
fsr-3855	5	26	and	and	CCONJ
fsr-3855	5	27	corporate	corporate	ADJ
fsr-3855	5	28	finance	finance	NOUN
fsr-3855	5	29	.	.	PUNCT
fsr-3855	6	1	hopefully	hopefully	ADV
fsr-3855	6	2	,	,	PUNCT
fsr-3855	6	3	it	it	PRON
fsr-3855	6	4	will	will	AUX
fsr-3855	6	5	provide	provide	VERB
fsr-3855	6	6	you	you	PRON
fsr-3855	6	7	with	with	ADP
fsr-3855	6	8	a	a	DET
fsr-3855	6	9	fresh	fresh	ADJ
fsr-3855	6	10	look	look	NOUN
fsr-3855	6	11	at	at	ADP
fsr-3855	6	12	this	this	DET
fsr-3855	6	13	important	important	ADJ
fsr-3855	6	14	question	question	NOUN
fsr-3855	6	15	.	.	PUNCT
fsr-3855	7	1	the	the	DET
fsr-3855	7	2	third	third	ADJ
fsr-3855	7	3	award	award	NOUN
fsr-3855	7	4	is	be	AUX
fsr-3855	7	5	provided	provide	VERB
fsr-3855	7	6	bytexas	bytexas	NOUN
fsr-3855	7	7	instrumentsand	instrumentsand	NOUN
fsr-3855	7	8	the	the	DET
fsr-3855	7	9	winners	winner	NOUN
fsr-3855	7	10	are	be	AUX
fsr-3855	7	11	yoonkyung	yoonkyung	PROPN
fsr-3855	7	12	yuh	yuh	PROPN
fsr-3855	7	13	,	,	PUNCT
fsr-3855	7	14	sherman	sherman	PROPN
fsr-3855	7	15	hanna	hanna	PROPN
fsr-3855	7	16	,	,	PUNCT
fsr-3855	7	17	and	and	CCONJ
fsr-3855	7	18	catherine	catherine	PROPN
fsr-3855	7	19	phillips	phillips	PROPN
fsr-3855	7	20	montalto	montalto	PROPN
fsr-3855	7	21	.	.	PUNCT
fsr-3855	8	1	their	their	PRON
fsr-3855	8	2	presentation	presentation	NOUN
fsr-3855	8	3	is	be	AUX
fsr-3855	8	4	entitled	entitle	VERB
fsr-3855	8	5	,	,	PUNCT
fsr-3855	8	6	“	"	PUNCT
fsr-3855	8	7	mean	mean	ADJ
fsr-3855	8	8	and	and	CCONJ
fsr-3855	8	9	pessimistic	pessimistic	ADJ
fsr-3855	8	10	projections	projection	NOUN
fsr-3855	8	11	of	of	ADP
fsr-3855	8	12	retirement	retirement	NOUN
fsr-3855	8	13	adequacy	adequacy	NOUN
fsr-3855	8	14	.	.	PUNCT
fsr-3855	8	15	”	"	PUNCT
fsr-3855	9	1	they	they	PRON
fsr-3855	9	2	use	use	VERB
fsr-3855	9	3	available	available	ADJ
fsr-3855	9	4	data	datum	NOUN
fsr-3855	9	5	to	to	PART
fsr-3855	9	6	analyze	analyze	VERB
fsr-3855	9	7	household	household	NOUN
fsr-3855	9	8	financial	financial	ADJ
fsr-3855	9	9	preparation	preparation	NOUN
fsr-3855	9	10	for	for	ADP
fsr-3855	9	11	retirement	retirement	NOUN
fsr-3855	9	12	using	use	VERB
fsr-3855	9	13	a	a	DET
fsr-3855	9	14	ratio	ratio	NOUN
fsr-3855	9	15	of	of	ADP
fsr-3855	9	16	projected	project	VERB
fsr-3855	9	17	wealth	wealth	NOUN
fsr-3855	9	18	and	and	CCONJ
fsr-3855	9	19	a	a	DET
fsr-3855	9	20	pessimistic	pessimistic	ADJ
fsr-3855	9	21	projection	projection	NOUN
fsr-3855	9	22	.	.	PUNCT
fsr-3855	10	1	the	the	DET
fsr-3855	10	2	fourth	fourth	ADJ
fsr-3855	10	3	article	article	NOUN
fsr-3855	10	4	is	be	AUX
fsr-3855	10	5	written	write	VERB
fsr-3855	10	6	by	by	ADP
fsr-3855	10	7	william	william	PROPN
fsr-3855	10	8	reichenstein	reichenstein	PROPN
fsr-3855	10	9	and	and	CCONJ
fsr-3855	10	10	is	be	AUX
fsr-3855	10	11	entitled	entitle	VERB
fsr-3855	10	12	,	,	PUNCT
fsr-3855	10	13	“	"	PUNCT
fsr-3855	10	14	calculating	calculate	VERB
fsr-3855	10	15	a	a	DET
fsr-3855	10	16	family	family	NOUN
fsr-3855	10	17	’s	’s	PART
fsr-3855	10	18	asset	asset	NOUN
fsr-3855	10	19	mix	mix	NOUN
fsr-3855	10	20	.	.	PUNCT
fsr-3855	10	21	”	"	PUNCT
fsr-3855	11	1	he	he	PRON
fsr-3855	11	2	examines	examine	VERB
fsr-3855	11	3	the	the	DET
fsr-3855	11	4	question	question	NOUN
fsr-3855	11	5	of	of	ADP
fsr-3855	11	6	the	the	DET
fsr-3855	11	7	appropriateness	appropriateness	NOUN
fsr-3855	11	8	of	of	ADP
fsr-3855	11	9	including	include	VERB
fsr-3855	11	10	the	the	DET
fsr-3855	11	11	ownership	ownership	NOUN
fsr-3855	11	12	of	of	ADP
fsr-3855	11	13	a	a	DET
fsr-3855	11	14	mortgaged	mortgaged	ADJ
fsr-3855	11	15	home	home	NOUN
fsr-3855	11	16	as	as	ADP
fsr-3855	11	17	an	an	DET
fsr-3855	11	18	asset	asset	NOUN
fsr-3855	11	19	.	.	PUNCT
fsr-3855	12	1	this	this	DET
fsr-3855	12	2	paper	paper	NOUN
fsr-3855	12	3	compliments	compliment	VERB
fsr-3855	12	4	the	the	DET
fsr-3855	12	5	presentation	presentation	NOUN
fsr-3855	12	6	by	by	ADP
fsr-3855	12	7	yuh	yuh	PROPN
fsr-3855	12	8	,	,	PUNCT
fsr-3855	12	9	hanna	hanna	PROPN
fsr-3855	12	10	,	,	PUNCT
fsr-3855	12	11	and	and	CCONJ
fsr-3855	12	12	montalto	montalto	NOUN
fsr-3855	12	13	which	which	PRON
fsr-3855	12	14	looks	look	VERB
fsr-3855	12	15	at	at	ADP
fsr-3855	12	16	retirement	retirement	NOUN
fsr-3855	12	17	adequacy	adequacy	NOUN
fsr-3855	12	18	that	that	PRON
fsr-3855	12	19	includes	include	VERB
fsr-3855	12	20	home	home	NOUN
fsr-3855	12	21	ownership	ownership	NOUN
fsr-3855	12	22	with	with	ADP
fsr-3855	12	23	and	and	CCONJ
fsr-3855	12	24	without	without	ADP
fsr-3855	12	25	a	a	DET
fsr-3855	12	26	mortgage	mortgage	NOUN
fsr-3855	12	27	the	the	DET
fsr-3855	12	28	last	last	ADJ
fsr-3855	12	29	article	article	NOUN
fsr-3855	12	30	is	be	AUX
fsr-3855	12	31	entitled	entitle	VERB
fsr-3855	12	32	,	,	PUNCT
fsr-3855	12	33	“	"	PUNCT
fsr-3855	12	34	credit	credit	NOUN
fsr-3855	12	35	union	union	NOUN
fsr-3855	12	36	structure	structure	NOUN
fsr-3855	12	37	:	:	PUNCT
fsr-3855	12	38	an	an	DET
fsr-3855	12	39	examination	examination	NOUN
fsr-3855	12	40	of	of	ADP
fsr-3855	12	41	potential	potential	ADJ
fsr-3855	12	42	risks	risk	NOUN
fsr-3855	12	43	.	.	PUNCT
fsr-3855	12	44	”	"	PUNCT
fsr-3855	13	1	in	in	ADP
fsr-3855	13	2	it	it	PRON
fsr-3855	13	3	,	,	PUNCT
fsr-3855	13	4	robert	robert	PROPN
fsr-3855	13	5	j.	j.	PROPN
fsr-3855	13	6	boldin	boldin	PROPN
fsr-3855	13	7	,	,	PUNCT
fsr-3855	13	8	keith	keith	PROPN
fsr-3855	13	9	leggett	leggett	PROPN
fsr-3855	13	10	and	and	CCONJ
fsr-3855	13	11	robert	robert	PROPN
fsr-3855	13	12	strand	strand	PROPN
fsr-3855	13	13	,	,	PUNCT
fsr-3855	13	14	examine	examine	VERB
fsr-3855	13	15	the	the	DET
fsr-3855	13	16	risk	risk	NOUN
fsr-3855	13	17	faced	face	VERB
fsr-3855	13	18	by	by	ADP
fsr-3855	13	19	individuals	individual	NOUN
fsr-3855	13	20	who	who	PRON
fsr-3855	13	21	place	place	VERB
fsr-3855	13	22	their	their	PRON
fsr-3855	13	23	savings	saving	NOUN
fsr-3855	13	24	in	in	ADP
fsr-3855	13	25	credit	credit	NOUN
fsr-3855	13	26	unions	union	NOUN
fsr-3855	13	27	.	.	PUNCT
fsr-3855	14	1	financial	financial	ADJ
fsr-3855	14	2	services	service	NOUN
fsr-3855	14	3	review	review	VERB
fsr-3855	14	4	7	7	NUM
fsr-3855	14	5	(	(	PUNCT
fsr-3855	14	6	1998	1998	NUM
fsr-3855	14	7	)	)	PUNCT
fsr-3855	14	8	v	v	ADP
fsr-3855	14	9	1057	1057	NUM
fsr-3855	14	10	-	-	SYM
fsr-3855	14	11	0810/98/$	0810/98/$	NUM
fsr-3855	14	12	–	–	PUNCT
fsr-3855	14	13	see	see	VERB
fsr-3855	14	14	front	front	ADJ
fsr-3855	14	15	matter	matter	NOUN
fsr-3855	15	1	©	©	PROPN
fsr-3855	15	2	1998	1998	NUM
fsr-3855	15	3	elsevier	elsevier	PROPN
fsr-3855	15	4	science	science	PROPN
fsr-3855	15	5	inc	inc	PROPN
fsr-3855	15	6	.	.	PUNCT
fsr-3855	16	1	all	all	DET
fsr-3855	16	2	rights	right	NOUN
fsr-3855	16	3	reserved	reserve	VERB
fsr-3855	16	4	.	.	PUNCT
fsr-3855	17	1	pii	pii	NOUN
fsr-3855	17	2	:	:	PUNCT
fsr-3855	17	3	s1057	s1057	NOUN
fsr-3855	17	4	-	-	PUNCT
fsr-3855	17	5	0810(99)00002	0810(99)00002	NOUN
fsr-3855	17	6	-	-	SYM
fsr-3855	17	7	5	5	NUM